{"id":6461,"date":"2018-08-22T09:01:10","date_gmt":"2018-08-22T01:01:10","guid":{"rendered":"https:\/\/www.sw-hk.com\/?p=6461"},"modified":"2018-08-22T16:30:29","modified_gmt":"2018-08-22T08:30:29","slug":"news-20180822-1","status":"publish","type":"post","link":"https:\/\/www.sw-hk.com\/zh\/news-20180822-1\/","title":{"rendered":"\u6700\u65b0\u6848\u4f8b\u5206\u4eab"},"content":{"rendered":"<p><\/p>\n<p style=\"text-align: center;\"><strong>\u4e0d\u5f53\u9500\u552e\u91d1\u878d\u4ea7\u54c1\u7533\u7d22 \u94f6\u884c\u518d\u80dc\u4e00\u4ed7<\/strong><\/p>\n<p><!--more--><\/p>\n<p style=\"text-align: center;\">Shine Grace Investment Ltd<br \/>\nv.<br \/>\nCitibank, N.A and Another<br \/>\n[2018] HKCU 2560<\/p>\n<p>\u9999\u6e2f\u9ad8\u7b49\u6cd5\u5ead\u539f\u8bbc\u6cd5\u5ead\u516c\u5e03\u4e86\u5173\u4e8e\u7d2f\u8ba1\u80a1\u7968\u671f\u6743\u5408\u7ea6 (accumulator contract)\u7684\u4e0d\u5f53\u9500\u552e (mis-selling)\u7ea0\u7eb7\u7684Shine Grace Investment Ltd v. Citibank, N.A and Another [2018] HKCU 2560\u6848\u4ef6\u5224\u51b3\u3002\u672c\u6848\u7684\u539f\u544aShine Grace Investment Ltd.(\u4e0b\u79f0\u300c<strong>Shine Grace<\/strong>\u300d)\u4e3a\u5df2\u6545\u6148\u5584\u5bb6\u9648\u6811\u6e20\u7684\u59bb\u5b50\u9648\u4e3d\u73b2(\u4e0b\u79f0\u300c<strong>\u9648\u5973\u58eb<\/strong>\u300d)\u7684\u540d\u4e0b\u516c\u53f8\uff0c\u800c\u88ab\u544a\u4e3a\u7f8e\u8d44\u94f6\u884cCitibank(\u4e0b\u79f0\u300c<strong>\u94f6\u884c<\/strong>\u300d)\u3002<\/p>\n<p>\u672c\u6848\u7684\u6838\u5fc3\u7126\u70b9\u5728\u4e8e\u6cd5\u5ead\u5982\u4f55\u8be0\u91ca\u6b64\u4efd\u7d2f\u8ba1\u80a1\u7968\u671f\u6743\u5408\u7ea6\u7684\u6761\u6b3e\uff0c\u5305\u62ec\u94f6\u884c\u662f\u5426\u6709\u6cd5\u5f8b\u8d23\u4efb\u4e3a\u5ba2\u6237\u63d0\u4f9b\u5efa\u8bae\uff0c\u53ca\u6cd5\u5ead\u4e3a\u4f55\u8ba4\u4e3a\u9999\u6e2f\u8bc1\u76d1\u4f1a(\u4e0b\u79f0\u300c<strong>\u8bc1\u76d1\u4f1a<\/strong>\u300d)\u64cd\u5b88\u51c6\u5219(code of conduct)\u6ca1\u6709\u5e76\u5165\u672c\u6848\u4e89\u8bae\u5408\u7ea6\u3002\u53e6\u5916\uff0c\u5728\u4e8b\u5b9e\u5c42\u9762\uff0c\u5f53\u4e8b\u4eba\u5728\u6295\u8d44\u51b3\u7b56\u4e0a\u7684\u7cbe\u660e\u3001\u81ea\u4fe1\u548c\u4e0d\u8010\u5fc3\u7684\u6027\u683c\u7279\u70b9\uff0c\u4e5f\u6210\u4e3a\u6cd5\u5b98\u5224\u94f6\u884c\u80dc\u8bc9\u7684\u4e00\u5927\u8003\u91cf\u3002<\/p>\n<p><strong>\u6848\u4ef6\u80cc\u666f\uff1a<\/strong><\/p>\n<p>\u9648\u5973\u58eb\u4e8e2007\u5e7410\u6708\u53bb\u4e16\u524d\u900f\u8fc7\u5176\u540d\u4e0b\u516c\u53f8\uff0c\u5305\u62ec\u672c\u6848\u4e3b\u8981\u539f\u544aShine Grace\uff0c\u4e0e\u94f6\u884c\u7b7e\u8ba29\u5f20\u7d2f\u8ba1\u80a1\u7968\u671f\u6743\u5408\u7ea6\u3002\u5728\u9648\u5973\u58eb\u53bb\u4e16\u540e\uff0c\u7531\u9648\u5973\u58eb\u513f\u5973\u7ee7\u627f\u5e76\u638c\u7ba1\u7684Shine Grace\u63a7\u544a\u94f6\u884c\uff0c\u79f0\u6b63\u662f\u7531\u4e8e\u94f6\u884c\u5f53\u5e74\u7684\u8bef\u5bfc\uff0c\u624d\u4f7f\u5f97\u9648\u5973\u58eb\u7b7e\u8ba2\u4e86\u7684\u4e0a\u8ff09\u5f20\u7d2f\u8ba1\u80a1\u7968\u671f\u6743\u5408\u7ea6\u3002\u94f6\u884c\u5728\u7b7e\u8ba29\u4efd\u4e89\u8bae\u5408\u7ea6\u65f6\uff0c\u8fdd\u53cd\u94f6\u884c\u5e94\u5f53\u5411\u9648\u5973\u58eb\u63d0\u4f9b\u5408\u9002\u5efa\u8bae\u7684\u6cd5\u5f8b\u8d23\u4efb\uff0c\u4ee5\u53ca\u8fdd\u53cd\u5e94\u5f53\u63d0\u4f9b\u5408\u7406\u3001\u516c\u5e73\u3001\u51c6\u786e\u548c\u8bda\u5b9e\u5efa\u8bae\u548c\u4e0d\u5f97\u8bef\u5bfc\u7684\u8d23\u4efb\uff0c\u56e0\u6b64\u57fa\u4e8e\u94f6\u884c\u5bf9\u9648\u5973\u58eb\u9020\u6210\u7684\u4e0d\u5f53\u5f71\u54cd(undue influence)\u6216\u538b\u5236\u884c\u4e3a(oppressive conduct)\uff0c\u5165\u7980\u5411\u94f6\u884c\u7d22\u507f\u7ea6\u6e2f\u5e015\u4ebf\u5143\u3002<\/p>\n<p>\u6cd5\u5ead\u5728\u6cd5\u5f8b\u57fa\u7840\u548c\u4e8b\u5b9e\u57fa\u7840\u4e0a\u9a73\u56de\u4e86\u539f\u544a\u4ee5\u4e0a\u8bf7\u6c42\u3002<\/p>\n<p><strong>\u5224\u51b3\u5206\u6790\uff1a<\/strong><\/p>\n<p><strong>1. \u94f6\u884c\u662f\u5426\u6709\u6cd5\u5f8b\u8d23\u4efb\uff0c\u4e3a\u5ba2\u6237\u63d0\u4f9b\u5408\u9002\u3001\u5408\u7406\u3001\u51c6\u786e\u53ca\u8bda\u5b9e\u7684\u5efa\u8bae\uff1f<\/strong><\/p>\n<p>\u6cd5\u5ead\u8ba4\u4e3a\uff0c\u5355\u51ed\u94f6\u884c\u4e0e\u5ba2\u6237\u95f4\u5b58\u5728\u7684\u5f80\u6765\u5173\u7cfb\u5e76\u4e0d\u8bc1\u660e\u94f6\u884c\u6709\u63d0\u4f9b\u5efa\u8bae\u7684\u6cd5\u5f8b\u8d23\u4efb\u3002\u6cd5\u5ead\u5728\u672c\u6848\u4e2d\u63f4\u5f15\u4e86\u5148\u4f8bChang Pui Yin &amp; Ors v Bank of Singapore Limited [2017] 4 HKLRD 458\uff0c \u5728\u5148\u4f8b\u4e2d\uff0cLam VP\u6cd5\u5b98\u8ba4\u4e3a\uff0c\u5728\u6cd5\u5f8b\u5c42\u9762\uff0c\u94f6\u884c\u5728\u5176\u4e1a\u52a1\u5f80\u6765\u4e2d\u4e3a\u5ba2\u6237\u63d0\u4f9b\u5efa\u8bae\u5e76\u4e0d\u4e00\u5b9a\u4f1a\u5c06\u6b64\u884c\u4e3a\u8ba4\u5b9a\u4e3a\u94f6\u884c\u7684\u6cd5\u5f8b\u8d23\u4efb\u3002\u5728\u6bcf\u4e00\u4e2a\u4e2a\u6848\u4e2d\uff0c\u786e\u5b9a\u94f6\u884c\u662f\u5426\u987b\u627f\u62c5\u4e3a\u5ba2\u6237\u63d0\u4f9b\u5efa\u8bae\u7684\u6cd5\u5f8b\u8d23\u4efb\uff0c\u5e94\u5f53\u89c6\u4e4e\u4e8e\u4e2a\u6848\u4e0e\u5f53\u4e8b\u4eba\u6bcf\u4e00\u4e2a\u65b9\u9762\u7684\u5ba2\u89c2\u4e8b\u5b9e\u3002<\/p>\n<p>\u5728\u5148\u4f8b\u4e2d\u6cd5\u5b98\u5224\u65ad\u94f6\u884c\u662f\u5426\u6709\u4e0a\u8ff0\u6cd5\u5f8b\u8d23\u4efb\u7684\u6807\u51c6\u4e3a\uff1a\u987b\u8003\u91cf\u94f6\u884c\u7684\u670d\u52a1\u5408\u7ea6\u548c\u98ce\u9669\u62ab\u9732\u58f0\u660e\u4ee5\u53ca\u5176\u4ed6\u76f8\u5173\u7684\u4e8b\u5b9e\u80cc\u666f\uff0c\u6765\u786e\u5b9a\u94f6\u884c\u5728\u9500\u552e\u6216\u7ba1\u7406\u91d1\u878d\u4ea7\u54c1\u65f6\u662f\u5426\u5bf9\u5ba2\u6237\u8d1f\u6709\u6cd5\u5f8b\u8d23\u4efb\u3002<\/p>\n<p>\u5728\u672c\u6848(\u548c\u5f88\u591a\u5173\u4e8e\u4e0d\u5f53\u9500\u552e\u7684\u6848\u4ef6)\u4e2d\uff0c\u94f6\u884c\u7684\u5408\u7ea6\u90fd\u5305\u542b\u4e0d\u4f9d\u8d56\u6761\u6b3e(non-reliance clause)[1]\uff0c\u7ea6\u5b9a\u5ba2\u6237\u5fc5\u987b\u6839\u636e\u81ea\u8eab\u5224\u65ad\u505a\u6295\u8d44\u51b3\u5b9a\u3002<\/p>\n<p>\u5728\u672c\u6848\u4e2d\uff0c\u6cd5\u5ead\u57fa\u4e8e\u5148\u4f8b\u91c7\u7eb3\u5408\u7ea6\u4e0d\u5bb9\u53cd\u6094\u539f\u5219(principle of contractual estoppel)\u652f\u6301\u4e86\u94f6\u884c\u7684\u6297\u8fa9\uff0c\u8ba4\u5b9a\u94f6\u884c\u5408\u7ea6\u5185\u7684\u4e0d\u4f9d\u8d56\u6761\u6b3e\u5378\u9664\u4e86\u94f6\u884c\u4e3a\u5ba2\u6237\u63d0\u4f9b\u5efa\u8bae\u7684\u6cd5\u5f8b\u8d23\u4efb\uff0c\u4ee5\u53ca\u5373\u4f7f\u63d0\u4f9b\u4e86\u5efa\u8bae\u4e5f\u65e0\u987b\u5bf9\u5ba2\u6237\u7684\u6295\u8d44\u51b3\u5b9a\u627f\u62c5\u4efb\u4f55\u6cd5\u5f8b\u8d23\u4efb\u3002<\/p>\n<p>\u53e6\u4e00\u65b9\u9762\uff0c\u6cd5\u5ead\u5728\u4e8b\u5b9e\u8003\u91cf\u4e0a\uff0c\u8ba4\u4e3a\u9648\u5973\u58eb\u662f\u4e00\u4f4d\u7cbe\u660e\u3001\u81ea\u4fe1\u3001\u610f\u5fd7\u575a\u5b9a\u4f46\u6ca1\u6709\u8010\u5fc3\u7684\u6295\u8d44\u8005\u3002\u6cd5\u5ead\u4ece\u9648\u5973\u58eb\u4e0e\u94f6\u884c\u804c\u5458\u7684\u7535\u8bdd\u8bb0\u5f55\u4e2d\u53d1\u73b0\uff0c\u9648\u5973\u58eb\u5df2\u6709\u8d85\u8fc730\u5e74\u7684\u80a1\u7968\u5e02\u573a\u6295\u8d44\u7ecf\u9a8c\uff0c\u5e76\u4e14\u4e0d\u53ea\u4e00\u6b21\u8981\u6c42\u94f6\u884c\u804c\u5458\u4e0d\u5f97\u5e72\u9884\u5979\u7684\u6295\u8d44\u51b3\u7b56\u3002\u5e76\u4e14\uff0c\u8bc1\u636e\u4e5f\u8bc1\u660e\u9648\u5973\u58eb\u8fc7\u4e8e\u81ea\u4fe1\u548c\u6ca1\u6709\u8010\u5fc3\u6765\u5bfb\u6c42\u6216\u542c\u53d6\u94f6\u884c\u9002\u5f53\u7684\u6295\u8d44\u5efa\u8bae\uff0c\u5c24\u5176\u662f\u5bf9\u4e8e\u5e02\u573a\u53d8\u5316\u7684\u6295\u8d44\u98ce\u9669\u3001\u6309\u5e02\u503c\u8ba1\u4ef7\u4ee5\u53ca\u8ffd\u52a0\u4fdd\u8bc1\u91d1\u901a\u77e5\u7b49\u5efa\u8bae\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u6cd5\u5ead\u57fa\u4e8e\u5bf9\u4e8b\u5b9e\u7684\u8003\u91cf\uff0c\u5373\u9648\u5973\u58eb\u5728\u6295\u8d44\u51b3\u7b56\u65f6\u7684\u4e2a\u6027\u548c\u884c\u4e3a\uff0c\u4ee5\u53ca\u5728\u672c\u6848\u4e89\u8bae\u7684\u7d2f\u8ba1\u80a1\u7968\u671f\u6743\u5408\u7ea6\u51b3\u7b56\u4e0a\u672a\u5411\u94f6\u884c\u5f81\u6c42\u8fc7\u76f8\u5173\u5efa\u8bae\uff0c\u6cd5\u5ead\u8ba4\u4e3a\u94f6\u884c\u65e0\u987b\u627f\u62c5\u4e3a\u9648\u5973\u58eb\u63d0\u4f9b\u9002\u5f53\u5efa\u8bae\u7684\u6cd5\u5f8b\u8d23\u4efb\uff0c\u540c\u6837\uff0c\u9488\u5bf9\u5931\u5b9e\u9648\u8ff0\u7684\u8bf7\u6c42\uff0c\u6cd5\u5ead\u4ee5\u4e8b\u5b9e\u8bc1\u636e\u4e0d\u8db3\u800c\u5c06\u5176\u9a73\u56de\u3002<\/p>\n<p><strong>2. \u9999\u6e2f\u8bc1\u76d1\u4f1a\u7684\u64cd\u5b88\u51c6\u5219\u662f\u5426\u5e76\u5165\u672c\u5408\u7ea6\uff1f<\/strong><\/p>\n<p>\u539f\u544aShine Grace\u79f0\u8bc1\u76d1\u4f1a\u7684\u64cd\u5b88\u51c6\u5219(code of conduct)\u5df2\u660e\u786e\u5e76\u5165\u672c\u5408\u7ea6\uff0c\u56e0\u6b64\u6839\u636e\u8bc1\u76d1\u4f1a\u7684\u64cd\u5b88\u51c6\u5219\uff0c\u94f6\u884c\u5e94\u5f53\u8d1f\u8d23\u3001\u5c0f\u5fc3\u4e14\u8c28\u614e\u5730\u4e3a\u5ba2\u6237\u63d0\u4f9b\u9002\u5f53\u5efa\u8bae\u6216\u786e\u4fdd\u5ba2\u6237\u660e\u767d\u4ea4\u6613\u7684\u6027\u8d28\u548c\u98ce\u9669\u7684\u8d23\u4efb\u3002<\/p>\n<p>\u6cd5\u5ead\u9a73\u56de\u4e86\u539f\u544a\u4e4b\u4e3b\u5f20\uff0c\u79f0\u82e5Shine Grace\u6709\u610f\u5c06\u8bc1\u76d1\u4f1a\u7684\u884c\u4e3a\u51c6\u5219\u5e76\u5165\u5176\u4e0e\u94f6\u884c\u7684\u5408\u7ea6\u4e2d\uff0c\u8981\u6c42\u94f6\u884c\u627f\u62c5\u4e0a\u8ff0\u4e3a\u5ba2\u6237\u63d0\u4f9b\u5efa\u8bae\u7684\u8d23\u4efb\uff0c\u5e94\u5f53\u5c06\u8be5\u51c6\u5219\u6e05\u695a\u660e\u786e\u5730\u8ba2\u7acb\u5728\u5408\u7ea6\u6761\u6b3e\u4e2d\uff0c\u4f46\u5728\u8be5\u4e89\u8bae\u5408\u7ea6\u4e2d\uff0c\u5e76\u672a\u53d1\u73b0\u5b58\u5728\u4e0a\u8ff0\u6761\u6b3e\u3002\u5176\u6b21\uff0c\u57fa\u4e8e\u94f6\u884c\u89d2\u5ea6\uff0c\u5e76\u5165\u4ee5\u4e0a\u6761\u6b3e\u65e2\u4e0d\u5b58\u5728\u5546\u4e1a\u4ef7\u503c\uff0c\u4e5f\u6ca1\u6709\u5b9e\u9645\u610f\u4e49\uff0c\u6362\u8a00\u4e4b\uff0c\u94f6\u884c\u4e0d\u5b58\u5728\u5e76\u5165\u4e0e\u5408\u7ea6\u76f8\u77db\u76fe\u6761\u6b3e\u7684\u8ba2\u7ea6\u610f\u56fe\u3002\u518d\u8005\uff0c\u8bc1\u76d1\u4f1a\u7684\u884c\u4e3a\u51c6\u5219\u662f\u975e\u5f3a\u5236\u6027\u6cd5\u5f8b\u3002<br \/>\n\u6cd5\u5ead\u9a73\u56deShine 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Bank(Hong Kong) Limited v Sit Pan Jit(FAMV 45\/2016), Chang Pui Yin &amp; Ors v Bank of Singapore [2017] 4 HKLRD 458\u7b49\uff0c\u8be5\u51c6\u5219\u5df2\u65e5\u76ca\u6210\u4e3a\u94f6\u884c\u4e0e\u5ba2\u6237\u8ba2\u7acb\u5408\u7ea6\u7684\u91cd\u8981\u8003\u91cf\u56e0\u7d20\uff0c\u94f6\u884c\u901a\u8fc7\u5408\u7ea6\u6761\u6b3e\u6765\u5378\u9664\u8d23\u4efb\u7684\u65b9\u5f0f\uff0c\u5c06\u6765\u53ef\u80fd\u4f1a\u88ab\u6253\u7834\u3002<\/p>\n<p>\u5982\u9601\u4e0b\u60f3\u4e86\u89e3\u66f4\u591a\u94f6\u884c\u91d1\u878d\u3001\u8bc9\u8bbc\u6216\u4e89\u8bae\u89e3\u51b3\u7b49\u8be6\u60c5\uff0c\u8bf7\u8054\u7edc\u672c\u6240\u8bc9\u8bbc\u53ca\u4e89\u8bae\u6392\u89e3\u90e8\u4e3b\u7ba1\u5f90\u51ef\u6021\u5f8b\u5e08\uff08<a href=\"mailto:heidichui.office@sw-hk.com\">heidichui.office@sw-hk.com<\/a>)\u3002<\/p>\n<p>\u514d\u8d23\u58f0\u660e\uff1a\u4e8e\u6b64\u63d0\u4f9b\u7684\u8d44\u6599\u53ea\u4f9b\u53c2\u8003\uff0c\u4e0d\u6784\u6210\u6cd5\u5f8b\u610f\u89c1\uff0c\u4e0a\u8ff0\u8d44\u6599\u4ea6\u53d7\u5236\u4e8e\u9002\u7528\u6848\u4f8b\u53ca\u6cd5\u4f8b\u4e0d\u65f6\u7684\u66f4\u65b0\u4e0e\u4fee\u6539\uff0c\u9700\u4ee5\u5f53\u5730\u6cd5\u5f8b\u987e\u95ee\u7684\u6cd5\u5f8b\u610f\u89c1\u4e3a\u51c6\u3002<\/p>\n<p>[1] \u672c\u6848\u5408\u7ea6\u4e2d\u7684\u4e0d\u4f9d\u8d56\u6761\u6b3e\uff0c\u53ef\u4f9b\u53c2\u8003:<br \/>\n<strong>Clause 4.12: ACKNOWLEDGMENT<\/strong><br \/>\nYou understand and agree that:<br \/>\n(a) The above brief statement cannot disclose all the risks and other significant aspects of the derivatives market and you should therefore carefully study derivative transactions before you trade;<br \/>\n(b) In respect of services rendered by us on a nondiscretionary basis,<br \/>\n(i) You make your own judgment in relation to the transactions;<br \/>\n(ii) We assume no duty to give advice or make recommendations;<br \/>\n(iii) If we make any suggestions, we assume no responsibility for your portfolio or for any investment or transaction made.<br \/>\n[2] \u5177\u4f53\u64cd\u5b88\u51c6\u5219\u53ef\u53c2\u8003 <a href=\"https:\/\/www.sfc.hk\/web\/EN\/rules-and-standards\/\">https:\/\/www.sfc.hk\/web\/EN\/rules-and-standards\/<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>\u4e0d\u5f53\u9500\u552e\u91d1\u878d\u4ea7\u54c1\u7533\u7d22 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