金融消費者保護法對人身保險業影響之分析

A Study on the Impact of Financial Consumer Protection Act on the Life Insurance Industry

林信穎(HSIN-YING LIN)

指導教授 ： 施懿純 ； 劉惠玲

朝陽科技大學/管理學院/保險金融管理系/碩士(2013年)

摘要

2008年雷曼兄弟連動債在台灣造成多數投資人受害的事件，暴露出我國既有的金融消費爭議處理機制並沒有辦法快速、有效地使因為金融服務業不當銷售行為而受損害的金融消費者權益確實獲得保障。為了加強與落實對金融消費者權益的保障，快速、有效處理金融消費爭議，在各界共識之下，才有「金融消費者保護法」的立法。
「金融消費者保護法」施行前，過去的機制係分別由相關同業公會或周邊單位處理，缺乏單一專責機構，且無法律依據，因此「行政院金融監督管理委員會」擬定「金融消費者保護法」與相關子法，2011年6月立法院三讀通過並自2012年元月一日實施。
「財團法人金融消費評議中心」是依「金融消費者保護法」設立，藉此建立金融消費爭議處理機制，落實強化金融消費者保護各項措施，以期達成保護金融消費者權益、增進金融消費者對市場之信心及促進金融市場健全發展。
本研究主題將針對「金融消費者保護法」實施和「財團法人金融消費評議中心」之成立背景做說明，並對保戶申訴管道和金融消費爭議處理機構運作機制加以說明，同時藉由統計數據，分析「金融消費者保護法」實施後金融消費者權益是否更重視和提升。

關鍵字

金融消費者保護法 ； 保戶申訴 ； 評議中心

並列摘要

2008 Lehman Brothers structure notes caused by the events of the majority of investors victimized in Taiwan, exposing our existing financial consumer dispute resolution mechanism and there is no way to quickly, effectively making the financial damage because of improper sales practices of the financial services industry and consumers interests do safeguarded. In order to strengthen the implementation of the protection of the financial interests of consumers,fast,effective processing financial consumer disputes, under the overall consensus before Financial Consumer Protection legislation.

Financial Consumer Protection Act before the coming into effect, the past mechanisms Department were dealt with by the relevant Association or peripheral units, the lack of a single dedicated agency, and have no legal basis. So Financial Supervisory Committee drew up Financial Consumer Protection Act and related regulations , in June 2011, the Legislative Yuan passed since January 1, 2012.
Financial Ombudsman Institution is established by Financial Consumer Protection Act to create a financial consumer dispute resolution mechanism, the implementation of various measures to strengthen financial consumer protection, in order to reach the protection of the financial interests of consumers and enhance financial consumer market confidence and promoting the sound development of the financial markets.
This theme will do the instructions for the implementation of Financial Consumer Protection Act and the establishment background of Financial Ombudsman Institution, and explained to the policyholder complaints pipeline and financial consumer dispute processing institutions functioning mechanism. At the same time, by the statistics Analysis , after the implementation of Financial Consumer Protection Act, if the financial interests of consumers pay more attention to and enhance.

並列關鍵字

Policyholder complaints ； Financial Ombudsman Institution ； Financial Consumer Protection Act

參考文獻

4. 楊婉君（2012）。金融消費者保護法之簡介。華南金控。110期。頁26。

5. 高榮彬(2010)。從金融消費爭議實例探討消費者保護與金融監督管理。碩士論文。朝陽科技大學財務金融系。台中市。

（一）書籍

1. 張仲源、盧國揚、米介中、洪樹人、洪熒熙、楊淑美、楊恭尊、葉金印（2010）。人身保險理賠實務（初版）。台北：財團法人保險事業發展中心。

2. 林繼恆(2012)。金融消費者保護法之理論與實務。台北：台灣法學出版股份有限公司