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互联网金融产品本质上是一种契约,记载了交易各方的具体权利义务。在互联网金融交易中,完善说明义务是对金融消费者知情权的倾斜性保护。现有的说明义务规则多为规章及以下规范性文件,偏重行政监管色彩,易形成规则内容的冲突。为完善互联网金融产品说明义务规则体系,应提升立法层次,统一与分业标准相结合;细化说明范围,明确说明方式与程度,违反说明义务的后果。
Internet financial products is essentially a contract that records the specific rights and obligations of all parties involved in the transaction. In Internet financial transactions, improving the obligation to explain is a sloping protection of the financial consumers’ right to information. The existing description of the rules of obligation and more regulatory documents and the following, emphasis on administrative supervision, easy to form a conflict of the content of the rules. In order to perfect the system of obligation rules for the explanation of Internet financial products, we should enhance the combination of the legislative level, the standardization of unification with the separation standard, refine the scope of the explanation, specify the mode and extent, and violate the consequences of the obligation of explanation.