- 學位論文
金融消費爭議之研究─以民國104年金融消費者保護法之修正為中心
The Study of Financial Consumer Dispute─Focus on the Revision of Financial Consumer Protection Act in 2015
摘要
中文摘要 金融市場蓬勃發展，金融商品不斷推陳出新，一般金融消費者對於現代型金融商品資訊之取得及風險之認知，往往處於弱勢，因信賴金融服務業之專業性而聽從其建議，亦帶來諸多金融消費爭議。金融消費者保護法乃為保護金融消費者而制定，2011年立法後，歷經2次修法，2015年有重大修正，幅度甚大，規定金融業者對消費者之告知義務等，對金融業之經營有重大影響。 本文除研究本法之重大修正外，亦討論相關金融爭議之案例，如財團法人金融消費評議中心所處理之重要案例，本文加以類型化，並分析評釋，以期可歸納出金融消費爭議之重要因素。對於金融服務業者之法定義務與金融從業人員之適格性問題，本文亦探討相關法規及從業人員應遵循之職業倫理與行業規範。
並列摘要
Abstract With the current financial market continues to flourish and the new financial products keep coming into the market, general financial consumers often lack the ability to obtain and perceive the information concerning risk of the modern financial product. Due to the reliance on professionalism of financial service providers, general financial consumers comply with their suggestions which bring about several financial consumer disputes. Financial Consumer Protection Act is enacted for the protection of financial consumers. After the legislation in 2011, it had been amended twice. Furthermore, there was a significant amendment of which the amplitude is very large in 2015. It regulated the financial service providers concerning their duties of disclosure to the consumers etc. which have a significant impact on the operation of the financial sector. In addition to discuss the major revision of this Act, the Thesis discusses the case of the financial disputes, such as important cases handled by the Foundation for Financial Consumer Appraisal Center. It classifies, analyzes and summarizes these cases to expect to sum up the important factors of financial consumer disputes. Regarding to the legal obligations of the financial service providers and the qualification of financial employees, the Thesis also discusses about the related regulations, the professional ethics rules and industry standards that practitioners should be followed.
參考文獻
延伸閱讀
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