自全球金融海嘯後,金融消費者保護成為各國注意之焦點,如何課予金融服務業者說明義務,以突破傳統民法資訊自我蒐集負責原則,卻又不過分致金融消費者完全怠於蒐集基本交易資訊,遂成為各國金融消費者領域研究重心。 本文乃先從傳統民法資訊模式出發,試圖研究我國民事法上締約資訊規範手段間彼此關係。其次,會探討日本最新修正之民法上資訊控制制度,加以分析比較與我國民法資訊模式學理與實務之差異,並架構出一套民事資訊模式之理論。第三,將會把此一資訊理論,透過整體類推適用之法學方法,運用在我國金融消費者保護法,輔以日本學說見解,建立出金融消費契約資訊模式之通則概念。最後,將以我國投資型保險契約案件為例,修正適用本文所建立之金融消費資訊模式,以配合保險契約之特性,且加以分析、檢討。 本文於最終章會提出修法建議,以企圖弭平現行投資型保險金融實務,所遇到之難題。 關鍵字:民法資訊模式、審閱期間、異常條款、猶豫期間、金融消費者保護、金融服務業者、適合性原則、投資型保險、說明義務。
The world-wide financial crisis in 2008 triggered all governments focusing on their regulation of information-disclosure between financial servicer and consumer. Trying to find the way to revise the principle of information-disclosure in traditional Civil Code, all governments established new information-disclosure rule in the field of financial contracts. The goal of this study is establishing the rule of information disclosure for investment insurance. To achieve this goal, firstly, this study discusses the regulation of information-disclosure in Civil Code and Consumer Protection Law, and thinking about the approaches of applying these regulations. Secondly, the thesis will take the Japan Civil Code for example, comparing the differences of information-disclosure regulations, and setting up my opinions toward the contract information-disclosure. Thirdly, this study will take the observation from the Civil Code and Consumer Protection Law to build up the information-disclosure rule for all kinds of financial contracts. Examining the feasibility of that financial information-disclosure rule, the thesis will take the investment insurance as example, and correct it to fit the features of insurance contract. Finally, this study will have advices for our Financial Consumer Protection Act. Key words: Financial Consumer Protection, information-disclosure, investment insurance, cool-off period , the right of withdraw, and the contract information.