论金融服务者缔约说明义务违反之私法责任

义务乃责任之基础,责任为义务履行之法律保障。金融服务者违反缔约说明义务亦应承担法律责任。金融商品交易的本质决定了私法责任的核心地位,而我国现行立法却无法为金融服务者违反缔约说明义务私法责任提供理想的请求权基础。基于金融服务者与金融消费者地位极端不平等的现实,应当确立向弱势群体倾斜保护的特殊侵权责任。特殊侵权责任由无过错责任原则与举证责任倒置规则构成,对违法行为、因果关系以及损害赔偿额实行推定,以实现对金融消费者的救济。

On Liabilities in Private Law for Violating the Obligation of Explanation for Contracting by Financial Service Providers

Obligation is the foundation of liability while liability is the security for performance of obliga-tion. Accordingly,in violation of obligation of explanation for contracting,the financial service provider should assume liability as well. The essence of transaction for financial products decides for the core status of liability in private law. While the ideal grounds for compensation claim is lacking in current legislations. Since the sta-tus of financial consumers is remarkable unequal with that of financial service providers,the vulnerable group should be protected with priority by special tortious liability consisting of no-fault liability and burden of proof shifting. Besides,the violation conduct,the causation and amount for compensation should be constructive so as to make remedies for financial consumers.