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金融消费冷静期规则的基本架构是:基本内容、前置要件和行权后保障机制。基本内容主要包括四个方面:适用范围、权利期限、行权方式和行权后果;前置要件有三个方面:金融经营者信息披露义务、说明义务和金融消费者教育权;行权后保障机制有两个方面:合适的纠纷解决机制和隐私权保护。如是,置于金融消费者权益保护规则体系审视冷静期规则的价值,有利于拓宽冷静期规则的研究视野。
The basic framework of the financial consumer cooling-off rules is: basic content, pre-requisites and post-exercise safeguard mechanism. The basic content includes four aspects: the scope of application, the term of rights, the ways of exercising rights and the consequences of exercising. The prerequisites have three aspects: the obligation of information disclosure of financial operators, the obligation of obligation and financial consumers’ right to education; There are two aspects: the appropriate dispute resolution mechanism and privacy protection. If so, putting the value of the cooling-off rules in the system of rules for the protection of the rights and interests of financial consumers will help widen the research perspective of the rules of cool-down period.