|
| 文章编号：1672-3104(2014)03-0113-07 |
| |
|
对余额宝所引发法律问题的思考
——基于金融创新的视角 |
| |
黎四奇，李时琼 |
| |
|
（湖南大学法学院，湖南长沙，410082） |
| |
| 摘 要： 作为一项金融创新，“余额宝”打破了利益的平衡，对传统金融秩序格局产生了强大的心理冲击效应。基于立场的不同，在理论界与社会界掀起了一场关于“宝宝”业务的存废之争，但激情并不能结出理性之果。在人类智识存在局限的条件下，对余额宝的利弊进行利益称量、平衡与取舍，并对创新怀有适度的宽容与鼓励，才能使激烈的言论在意见分歧的情况下获得公正竞赛的机会。 |
| |
| 关键词： 余额宝；金融创新；规制 |
| |
|
| |
On legal issues about Yu E Bao from the angle of financial innovation |
| |
LI Siqi, LI Shiqiong |
| |
（School of Law, Hunan University, Changsha 410082, China） |
| |
| Abstract: As a financial innovation, Yu E Bao breaks the balance of interest, and has produced strong psychological effect on the traditional pattern of order. From different angles, there exists a dispute about the certainty and the abrogation of this innovation. Passion can’t give rise to a reasonable result. Right judgment can be obtained through heated debates only under the circumstance of human being’s own limits, on the basis of interest evaluation and with due tolerance and encouragement. |
| |
Key words: Yu E Bao; financial innovation; regulation |
| |
|
