金融消费合同中的品质担保责任问题探究

Research on Quality Warranty Liability in Financial Consumer Contract

金融消费合同品质担保责任是因金融经营者违反品质担保义务、提供的金融产品或服务有瑕疵而承担的违约责任,该责任源于瑕疵担保责任,是类型化的品质担保责任。囿于法律规定的混乱,理论上的缺失和司法实践中的不确定,建议在立法上完善金融消费合同品质担保责任,明确该责任的构成要件和责任形式,并确立惩罚性赔偿制度,以充分保护金融消费者的合法权益。

Financial operators who provide financial products or service with defects violate obligations of quality war- ranties,and thus take on liability for quality warranties in financial consumer contract which belongs to liability for breach of contract.This liability derives from liability for warranty of defects and is a typed liability for quality war- ranties.Due to disordered laws and regulations,shortage of theories and uncertainty in judicial practice,legislative organ should perfect this liability. Specifically,Article 28 in Law on Protection of Consumers Rights and Interests in P.R.C should makes clear the constitutive requirements and forms of liability and establish punitive compensation to fully pro- tect financial consumers legal rights and interests.