论法律责任维度下的互联网金融道德风险防范——兼与卓武扬、彭景商榷

互联网金融是新时代下金融的一个重大创新,但由于监管和法制不可避免的滞后性,第三方平台和借款人的道德风险突显,容易诱发金融风险。卓武扬、彭景著的《金融创新、道德风险与法律责任》一书强调了从法律责任角度约束金融创新中的道德风险,这一路径虽然值得借鉴,但互联网金融有其自身的特殊性,在道德风险的来源、监管环境等方面均与传统金融明显不同,因此从法律责任维度来考量其道德风险的防范问题时应更加强调“责权利一致性”原则;更加注重责任主体的社会性;谨慎适用“失败责任”的豁免。

Preventing Moral Hazard of Internet Finance under the Legal Responsibility Dimension

The internet finance which is easy to induce financial risks is a significant innovation in the new era, the moral hazard of intermediary platforms and borrowers is highlighted because of the hysteretic nature of supervision and legal system. The book financial innovation, moral risk and Legal responsibility written by Zhuo Wuyang and Peng Jing stresses the moral hazard which is considered from the aspect of legal responssibility, this is a way to study internet finance.The internet finance is distinct from the traditional finance when it comes to the source of moral hazard, regulatory environment and so forth. Therefore, there should be more emphasized the principle of Unity of responsibility and right, when considering the prevention of moral hazard from the perspective of legal responsibility; The sociality of responsible subjects is paid more attention to; The exemption of failure responsibilty is used cautiously.