公平合理原則於金融消費評議制度所扮演之角色－以澳洲金融評議制度為核心

The Role of Principles of Fairness and Reasonableness in Financial Consumer Ombudsman Scheme - Focusing on the System of Financial Ombudsman Service in Australia

李志峰(Derek Lee)

《東吳法律學報》 28卷1期 (2016/07) Pp. 55-86

摘要

我國於2011 年訂立金融消費者保護法時，除了明文設立屬訴訟外紛爭解決機制之金融消費爭議處理機構外，並於該法第二十條引進公平合理原則，作為金融消費評議中心處理金融消費爭議案件之準則。公平合理原則源自於英美法中之衡平法，並非我國法制上之固有概念，為使金融消費評議中心於金融消費紛爭之處理上，能更為精確掌握公平合理原則並將之運用於評議案件及其補償，本文參酌如同我國亦設有金融消費爭議處理機構，且以公平合理原則作為案件評議與補償基礎之國家之一即澳洲，介紹並分析澳洲金融評議服務機構如何運用公平合理原則決定爭議案件是否應予以補償及補償的範圍等，並以澳洲金融消費評議服務機構之規定及運作為借鏡，提出相關之建議，以作為我國金融消費評議中心未來使用公平合理原則之參考。

關鍵字

金融消費爭議 ； 訴訟外替代性紛爭解決 ； 評議人 ； 公平合理原則

並列摘要

In 2011, the Financial Consumer Protection Act was enacted, the provisions include the establishment of an ombudsman body and Article 20 that the Financial Ombudsman Institution should determine the decision of the cases based on principles of fairness and reasonableness. Principles of fairness and reasonable arose from the Law of Equity in Common Law System instead of the traditional legal concept in Taiwan, one of the Civil Law countries. In order that the principles of fairness and reasonableness can be realized by and applied to the financial consumer disputes by Financial Ombudsman Institution, the author studies the ombudsman system in Australia which is similar financial ombudsman body in Taiwan. The author introduces and analyzes how the Financial Ombudsman Service Australia applied the principles of fairness and reasonableness to financial disputes in determination of the merit, remedy and so forth of the claims. In conclusion, the author presents the suggestions for the use of principles to t he financial consumer disputes to Financial Ombudsman Institution in the future with references to regulations and guidance of Financial Ombudsman Service Australia.

並列關鍵字

Financial Consumer Dispute ； Alternative Dispute Resolution ； Ombudsman and Principles of Fairness and Reasonableness

參考文獻

王志誠(2011)。金融行銷之控制及法制變革：金融消費者保護法之適用及解釋。萬國法律。179，2-10。

杜怡靜(2015)。從資訊弱勢者的觀點檢討我國法對於個人保證之保護─日本法之啟示。台北大學法學論叢。94，107-162。

林育廷(2009)。從雷曼事件之處理檢視我國金融消費爭議之解決機制。全國律師。13(8)，45-49。

郭大維(2012)。金融消費爭議解決機制之研究─我國法與英國法之比較。中正財經法學。4，47-86。

張冠群(2009)。金融商品銷售適合性原則之法制分析─兼評台灣金融服務法草案第三十一條及相關規定。高雄大學法學論叢。5，133-178。