金融权利之现有言说与内涵界定

Now-existing Statements about Financial Right and Defining its Connotation

在社会金融化的时代背景下,为满足人们美好生活需要,有必要在学术意义上较为规范地确立"金融权利"这一概念并初步建构有关理论体系.金融权利概念的有效确立和制度实践展开,有助于切实保障金融的人民性和防止金融过度异化.金融权利是一种具有正当合理性的主张资格,是内含特定自由意蕴与利益结构的法律地位.金融权利之核心内涵是对人们积极自主地实现合理金融需求之满足予以正当性确认和有效性保障,并对应于国家、行业、金融经营机构等主体不同层次和意义上的义务或责任.

Under the background of social financialization,in order to meet people's needs for a better life,it is necessary to establish the concept of"financial right"in a more professional sense and to initially construct relevant theoretical system.The effective establishment of the concept of financial right and the implementation of the system will help to effectively safeguard the affinity to the people and prevent the excessive alienation of finance.Financial right is a kind of legitimate and reasonable claim qualification,and it is a legal status containing specific freedom implication and interest structure.The core connotation of"financial right"is to confirm the legitimacy and guarantee the effectiveness of people's active and autonomous fulfillment of reasonable financial demands.Its basic powers and functions correspond to the different obligations or responsibilities of the state,financial industry,specific operators.