前　言格式合同是现代社会许多领域交换形式的主流。格式合同冲击了意思自治、公平、诚实信用等基本原则 ,但其发展势头十分可观。〔 1〕 格式合同的采用 ,简化了交易谈判的手续 ,节省了交易成本与费用 ,加快了交易的流转 ,从经济学的角度而言具有无可比拟的优势 ;但格式合同从 Preface The format contract is the mainstream form of exchange in many areas of modern society. The format contract has hit the basic principles of autonomy, fairness, honesty and credibility, but its development momentum is very impressive. 〔1〕 format contract to adopt, simplifying the transaction negotiation procedures, saving transaction costs and costs, speeding up the transaction flow, from an economic point of view has unparalleled advantages; but the format of the contract from