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金融受托人法是探索私法对个人自主权贡献的一项重要案例研究,错综复杂的世界,意味着我们管理自身财务和确保自身福利的能力面临日益严峻的挑战,而金融受托人法提供了将权力授予他人的选择权,但法律必须意识到授予该选择权本身所存在的权力滥用和疏忽大意的风险,因此,金融受托人法应调整其规则,从受托人与受益人入手。一方面,重新审视受托人薪酬结构,放弃对受托人薪酬的传统观念,使其不再被认为是外生于忠实义务,并为受托人提供最佳激励,维持甚至灌输将该等规则与信任和忠诚的美德相联系的社会规范。另一方面,确立符合受益人最佳利益的严格单一利益规则和多项例外和免责情况,同时对受托人设计一系列黏性缺省规则,应对相对弱势和经验不足的受益人的需求,以实现富有挑战性的使命。
The Financial Trustee Law is an important case study to explore the contribution of private law to individual autonomy. The intricacies of the world mean that our ability to manage our own finances and ensure our own welfare is facing increasingly serious challenges. The Financial Trustee Act provides the power However, the law must be aware of the risk of abuse and negligence of the power granted to the option itself. Therefore, the Financial Trustee Act should adjust its rules, starting with the trustee and the beneficiary. On the one hand, re-examining the structure of the trustee’s remuneration and abandoning the traditional concept of trustee’s remuneration will no longer be regarded as exogenous to faithful obligations and will provide the trustee with the best incentives to maintain or even instill such rules and trust Social norms associated with loyalty. On the other hand, the establishment of a strict single interest rule and a number of exceptions and exclusions that are in the best interests of beneficiaries, while designing a series of default rules for the trustee to address the needs of the more vulnerable and inexperienced beneficiaries, Achieve challenging missions.