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Please use this identifier to cite or link to this item:
https://tkuir.lib.tku.edu.tw/dspace/handle/987654321/32271
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| Title: | 金融機構專業責任保險之研究 |
| Other Titles: | A study on financial institutions professional indemnity insurance |
| Authors: | 周永福;Chou, Yung-fu |
| 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: | 金融機構;專業責任保險;Financial Institutions;Professional Indemnity Insurance |
| Date: | 2007 |
| Issue Date: | 2010-01-11 01:55:09 (UTC+8) |
| Abstract: | 金融機構因金融自由化及國際化造成產業競爭日益激烈及金融業務增加，亦進而促使金融商品多樣化及複雜化。因此在日常作業中難免會造成無法避免之錯誤、遺漏、過失行為，而使客戶或第三人受有損失而遭受賠償請求之狀況發生，如此將可能使金融機構承擔巨額損失之風險。
職是之故，本文針對金融機構之專業責任進行研究分析，認知金融機構在專業責任上，對消費者或客戶負有四大義務及二大責任，分別為說明義務、保密義務、忠實義務以及注意義務，民法上之債務不履行及侵權責任等民事上之責任，對其他第三人亦具有民法上侵權責任。
另本文蒐集美國、英國及澳洲等先進國家現行之保單內容分別予以簡要之介紹，並進而分別針對其保單型式、承保範圍、賠償限額、被保險人定義、抗辯義務及第三人賠償請求及通知規定等六大項進行比較分析，並以專章將我國現行之保單條款予以詳加說明深入探討，除作為保險業對於金融機構專業責任保險商品設計之參考外，也期能擷取國外保單之精華，依本國金融體系發展環境，強化現行我國採用之保單條款，以利金融機構做為風險分散策略之一，並可提供保險業及其輔助人經營此一商品之參考。
Due to financial liberization and internationalization, the competition between financial institutions has raised a lot as well as the complex of financial products. In daily work of financial institutions, the negligent act, negligent error or negligent omission are barely to avoid. Such negligent act, negligent error or negligent omission may cause financial institutions’ legal liability to customers or third parties and huge loss to financial institutions themselves.
This research identifies that financial institutions have four major legal duties, which are duty of advice, duty of confidentiality, duty of care and duty of loyalty, and two liabilities, which are breach of contract and tort, to customers. Also, financial institutions have tort liability to other third parties.
This research not only introduces financial institutions professional indemnity insurance wording using in Taiwan currently, but also comments the wording through different standpoints. In addition, this research collects financial institutions professional indemnity insurance wording using in USA, England and Australia. Furthermore, this research compares those wordings using in different countries.
By this research, hopefully it will be useful to financial institutions who are interested in financial institutions professional indemnity insurance and insurance companies who are interested in doing this insurance. |
| Appears in Collections: | [Graduate Institute & Department of Insurance Insurance] Thesis
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