互联网金融消费者保护的制度逻辑与法律建构

互联网金融消费者并非普通消费者、金融消费者在语义或逻辑上的简单延伸,其相互之间在时空语境、信息特征、结构和技术特性等方面存在根本性的代际差异,适宜分别根据各自的制度逻辑展开专门的法律建构。鉴于其所处的后现代语境以及信息模糊性等特殊表征,互联网金融消费者有其自身独特的平台中心主义制度逻辑,应当优先发展与平台化密切相关的新型知情权、适当性管理和公益诉讼三大机制作为核心建构,进而促使金融消费者保护突破依附于金融监管的体制藩篱,而向互联网时代平台化多中心治理的社会化新格局迈进。

Institutional Logic and Legal Construction of Internet Financial Consumer Protection

The concept of internet financial consumer is not a simple extension of that of ordinary consumer or financial consumer in semantics or logic.There are fundamental inter-generational differences among them in space-time context,information characteristics,structure and technical characteristics and so on.It is appropriate to develop special legal construction according to their respective institutional logic.In view of the post-modern context and the special characteristics of information ambiguity,internet financial consumers have their own unique platform-centric institutional logic.Therefore,it is necessary to give priority to develop new right to know,appropriateness management and public interest litigation as the core construction.They are closely related to the platform and can promote the financial consumer protection to break through the system barriers that are attached to financial supervision and move forward to the new socialized pattern of platform multi-center governance in the internet era.