信任机制演进下的金融交易异变与法律调整进路——基于信息哲学发展和信息技术进步的视角

Financial Transaction Variation under the Evolution of Trust Mechanism andWays of Legal Adjustment: Based on Development of Information Philosophy and Progress of Information Technology

法学视角下的交易行为以合意为其内核,而借鉴信息哲学观能够进一步揭示出交易合意达成之基础乃是以信息为媒介的信任机制。信息障碍影响主体之间形成信任,以银行为代表的信息中枢逐渐充当起信用共识,中心化的制度性信任机制得以形成,金融交易中心化格局得以确立。中心化信任机制基础上的金融交易关系具有中介性和银行主导性特征,由此形成的传统法律调整逻辑存在自身不足。以区块链为代表的信息技术新发展使得基于技术理性而建构的共识性信任机制成为可能,并促使中心化的金融交易发生异变,由此不仅引发监管难题,也给传统民商法理论与制度带来诸多挑战。为此,需要从法律思维、规则理念、主体理论和制度、交易媒介范畴、治理理论与制度、义务与责任等方面推动民商法理论与制度不断创新,以更加契合信息社会新时代的发展脉搏。

From the perspective of law,consensus is the core of trading behavior.Drawing lessons from information philosophy,we can further reveal that information-based trust mechanism is the basis of transaction consensus.The information barrier affects trust formation among subjects.The information center represented by banks gradually acts as a credit consensus.Centralized institutional trust mechanism is formed,and the centralized financial transactions are established.The financial transaction relationship based on centralized trust mechanism has the characteristics of intermediary and banking,and the traditional legal adjustment logic also has its own shortcomings.The new development of information technology,which takes Blockchain as the representative,makes technical rationality-based consensus trust mechanism become possible,and leads to the centralized financial transaction changes,thus not only leads to regulatory problems,but also brings many challenges to the traditional civil and commercial law theory and institution.Therefore,we need to innovate civil and commercial law from the aspects of legal thinking,rule concept,subject theory and system,transaction media concept,governance theory and institution,obligation and responsibility,so as to fit the development trend of information society in the new era.