金融交易中买者自负原则的适用与展望

Application of Caveat Emptor Principle to Financial Transactions and Prospects

买者自负原则产生由来已久,其深受古典经济学理论的影响,最初应用于不动产领域。如今在新制度经济学的背景下,买者自负原则扩展到金融消费领域。在金融市场高度发展的今天,法律逐步强调对金融消费者的倾斜性保护,买者自负原则在我国的一些效力层级较低的法律规范之中的体现显得无关紧要。买者自负原则作为市场经济的一个基本原则,其适用条件和责任分配在金融消费者权益保护方面可以起到积极的作用。通过对买者自负原则的研究,使其可以在金融市场高度发展的今天更好的为金融消费者服务。

The principle of caveat emptor （ ＂Let the Buyer Beware＂ ） has been proposed for a long time, which was deeply influenced by classical economics theory, originally used in the field of real estate. Today, under the new Institutional economics background, the principle of caveat emptor is extended to finance consumption field. In today＇s highly developed financial markets, national laws of all countries gradually emphasize financial consumer protection, and the principle of caveat emptor has become less important in some of effect lower - level laws and regulations. As a basic principle of market economy, caveat emptor principle can play a positive role in the financial consumer protection for its applicable conditions and allocation of responsibilities. The study on the principle of caveat emptor can offer better financial consumer services in today＇ s highly developed financial markets.