【摘要】互联网金融消费纠纷的司法审判，对于保证金融消费者权益、化解金融风险具有重要作用。在该类案件中，金融消费者相比于金融经营者总体上居于弱势地位，需要立法的倾斜保护。然而我国目前缺乏互联网金融的专门立法，现有举证责任分配规则也难以适应该类案件的特性，导致其审理过程中在举证责任方面暴露出公平性不足以及证明对象和举证责任主体混乱等问题，不利于金融消费者权益的保护。应在整合现有举证责任分配理论的基础上确立该类案件的举证责任分配规则，以法律要件分类说为主，修正规范说和利益衡量说为辅。厘清该类案件中权利产生要件事实，在此基础上根据互联网金融消费特点合理分配不同要件事实的举证责任，从而为相关案件的审理提供规范保障。

【关键词】互联网金融消费；法律要件事实；举证责任分配；利益衡量

【中图分类号】D915.13

【文献标识码】A

【文章编号】1674-1226(2023)05-0517-10

The dilemma and countermeasures of the burden of production distribution in internet financial consumption disputes.Zhao Bingyuan1, Fu Junwei2. 1. School of Law, Renmin University of China, Beijing 100872; 2. School of Law, Beijing Institute of Technology, Beijing 100081.

【Abstract】The trial of internet financial consumption disputes plays an important role in ensuring the rights and interests of financial consumers and mitigating financial risks. In such cases, compared with financial operators, financial consumers are generally in a powerless position, and thus preferential protection must be available in the legislation. However, at present, there is no special legislation on internet finance in China. The existing rules of the distribution of the burden of production can hardly adapt to the characteristics of such cases. These shortcomings lead to the lack of fairness in the distribution of the burden of production, and the difficulties in determining the object of proof and the subject of the burden of production. These shortcomings are not conducive to the protection of the rights and interests of financial consumers. The rules of distribution of the burden of proof in such cases should be based on the integration of the existing theories of burden of production distribution. These rules should be established mainly on the theory of classification of legal elements, supplemented with the theory of revised norms and the theory of interest balancing. In such cases, the elemental facts of right generation should be clarified. On the basis of such clarification, the burden of production of different elemental facts could be reasonably allocated according to the characteristics of internet financial consumption. Therefore, the trial of relevant cases can be guaranteed by the new rules.

【Key Words】Internet financial consumption; Legal elemental facts; Distribution of burden of production; Interest balancing