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    Title: 保險消費爭議處理機制之研究 : 評論金融消費者保護法
    Other Titles: The study of insurance consumer dispute resolution system : comment Financial Consumer Protection Act
    Authors: 李聯興;Lee, Lien-Hsing
    Contributors: 淡江大學保險學系保險經營碩士在職專班
    廖述源;Liao, Shuh-Yuan
    Keywords: 保險爭議;金融消費者保護法;英國公評人;美國保險監理;日本保險業法;Insurance disputes;Financial Consumer Protect Act;FOS;U.S NAIC;JAPAN Inurance Businese Act
    Date: 2015
    Issue Date: 2016-01-22 14:50:03 (UTC+8)
    Abstract: 2008年全球性金融海嘯,引發國內金融消費者與金融機構間紛爭。基於保護金融消費者,金融消費者保護法於2011年立法通過,同年公布實施,依該法設立爭議處理機構2012年1月2日運作,命名為財團法人金融消費評議中心。
    金融消費者保護法分四章,分別為金融消費之界定、金融消費者保護、爭議處理機構之組成架構與功能、附則。另,評議中心運作至今,處理銀行、保險、證券、票券、電子票證等金融消費爭議,保險爭議佔全體金融消費爭議八成。
    我國金融消費爭議處理機制,主要係參考英國2000年金融服務及市場法FSMA2000所設立之金融公評人服務機構FOS,FOS組織架構及其爭議處理情形。另外,美國保險業監理,以聯邦協調、分州監理方式管理,由各州保險監理官組成美國監理官協會NAIC,以美國加州為分析對象,加州保險部門對保險爭議處理情形。日本2009年金融商品交易法暨相關法律修正案,制定金融糾紛發生時處理機構之指定與處理程序,其中保險業法配合修正,確立保險糾紛處理機制之法源。
    我國保險爭議處理機制之特色與檢討分析,以保護善良保險消費者為中心,也必需保障整體保險消費者之利益,確保爭議處理機制與保險市場健全發展。
    The global financial trunami in 2008 triggered the nationalwise conflicts and disputes between the consumers and financial & banking industries.For protecting the consumers, The Financial Consumer Protect Act had been legislated in 2011, and announced to implement as well in the same year. Financial Consumer Protect Act has authorized to establish the Financial ombussman institution for conducting and dealing with those conflicts and disputes due to financial & banking business, and started to operate on Jan. 2, 2012.
    Financial Consumer Protect Act has been consisted of 4 chapters, which are the difinition of financial & banking industries, the protection for concumers, the structures of this institution and the attachments of it. Meanwhile the institution has been conducting those business disputes caused by banking, insurance, bonds and e-ticket trade, in which the disputes in insurance industry have occupied the 80% share.
    The structures of FOS organization and its practices to dealing with those disputes, which was found by FSMA2000, regulating the Financial Service and Market in Britain in year 2000 . The U.S NAIC, consisted of the insurance inspection representatives of each state with the principle of federal negotiation, and independent inspection by state, which was targeting the califonia insurance inspection institution as the sample to analyze the disputes conducting practices. The Japan Financial Instruments and Exchange Act amendments in 2009 , which regulates the conducting procedure of disputes and appointing the institution, in which the insurance circular was also amended accordingly to ascertain the principle for dealing with insurance disputes.
    The features and analysis of our Financial ombudsman institution have been concentrating on protecting the consumers of goodwill, meanwhile, as well as the interest of overall consumers to ascertain the system of conducting disputes and development of insurance market.
    Appears in Collections:[保險學系暨研究所] 學位論文

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