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標題: | 從英國制度檢視我國金融消費爭議處理制度 The Research on Financial Services Dispute Settlement Scheme |
作者: | Hui-Ming Cheng 鄭惠敏 |
指導教授: | 曾宛如 |
關鍵字: | 金融消費爭議,爭議處理機制,訴訟外爭議解決,英國金融服務評議人,金融服務與市場法, financial service disputes,dispute settlement scheme,Ombudsman,Financial Ombudsman Service(FOS),the Financial Services and Markets Act 2000(FSMA 2000), |
出版年 : | 2011 |
學位: | 碩士 |
摘要: | 近年隨著經濟發展,各類金融市場交易活動也日益頻繁。針對各類金融交易衍生之爭議,除透過耗費勞力時間費用之訴訟途徑解決外,如何因應金融爭議之特性,建置一迅速、簡便、公正、獨立、專業的訴訟外處理機制,亦是金融市場健全發展之重要輔助措施。
我國目前之金融消費爭議處理機制,消費者需按往來機構之類別,分別向銀行業、證券期貨業及保險業之不同申訴管道提出。而各業別之爭議處理管道不一,各管道之法源依據、處理流程及拘束力等均有差異,對消費者爭議解決之協助程度亦可能有別。 而英國為解決消費者與金融機構間之爭議,依據「2000年金融服務與市場法」(the Financial Services and Markets Act 2000,以下簡稱FSMA 2000)設立英國金融服務評議人機制(Financial Ombudsman Service,以下簡稱FOS),以獨立於金融主管機關之專家身分,協助解決相關金融消費爭議,提供消費者訴訟外爭議解決機制之選擇。 本文透過對英國FOS機制之組織架構、運作模式、處理範圍、功能及執行成效等方面加以分析,及就我國相關處理機制之運作及成效等加以研究,並檢討我國現行運作所遭遇之問題。從而比較我國相關金融消費爭議處理機制與英國制度之異同,以探討在我國現行金融環境及法規制度下,FOS制度引進我國之必要性及可行性,並研提將我國現行之金融消費爭議處理機制整合為類似FOS制度,即設立整合式專責爭議處理機構之可能方式。最後,本文提出對我國金融消費爭議處理機制未來可行之調整方向,其中包含短期與長期之建議,以期更即時有效地改善我國現行之處理機制,並提供我國金融主管機關未來研訂政策之參考。 The disputes between financial institutions and consumers are different from other kinds of disputes. How to settle the financial service disputes in a quick, simple, fair and independent way is the important supporting measures for the sound development of the financial market. In our country, the financial service disputes are settled depending on its financial industries, so that the consumers should claim their complaints to different organizations. However, the outcomes of the disputes vary because of the different bases of establishment, the type of organization, the procedure, and the enforcement of those organizations. In UK, the Financial Ombudsman Service, FOS, was set up by the Financial Services and Markets Act 2000, FSMA 2000, as an independent public body to help settle individual disputes between consumers and businesses providing financial services. Therefore, this thesis focuses on the research and comparison of the function, procedure, responsibility and outcomes of the financial services disputes of the FOS in UK and the dispute settlement schemes in our country. This thesis intends to find out the problems of our dispute settlement schemes and the possible ways to establish such kind of integrated dispute settlement organization of UK. Based on the above analysis, the thesis proposes the short-term and long-term suggestions to effectively improve the financial services dispute settlement scheme in our country. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/10245 |
全文授權: | 同意授權(全球公開) |
顯示於系所單位: | 科際整合法律學研究所 |
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