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標題: | 資訊揭露管制規範之界線—由行為經濟學檢視金融消費者保護法保險人說明義務規範 The Boundary of Disclosure Regulations─Apply Behavioral Economics to the Insurer's Duty of Disclosure in Financial Consumer Protection Act |
作者: | Hsiao-Chi Tseng 曾筱棋 |
指導教授: | 汪信君 |
關鍵字: | 行為經濟學,金融消費者保護法,保險人說明義務,資訊不對稱,資訊揭露,偏誤, Behavioral Economics,Financial Consumer Protection Act,Information Asymmetries,Disclosure,Biases, |
出版年 : | 2018 |
學位: | 碩士 |
摘要: | 歷年來占金融消費爭議案件大宗之保險業業務招攬爭議案件中,向來不乏主
張保險人於締約前之商品銷售階段未為充分說明者,若探究此種爭議案件之根本 來源,應在於保險業者與保險消費者之間的資訊不對稱問題,蓋伴隨現代金融市 場之發展,保險商品之高度專業性、技術性與複雜性,已導致保險業者與保險消 費者間之資訊優勢地位漸往保險業者傾斜,並產生是否應將保險人說明義務制度 化之討論。 金融消費者保護法於2011 年實施之後,業已為我國之保險人說明義務提供 明文法律基礎,然而針對此種藉由資訊揭露規範來處理資訊不對稱問題之管制手 段,過往幾十年之間,行為經濟學研究領域已提出許多個體於判斷與決策時存在 系統性錯誤之相關證據,並對資訊揭露規範之管制效力產生廣泛的討論與質疑, 從而本文擬自行為經濟學之角度,檢視資訊揭露管制規範之效力邊界,並回頭審 視我國金融消費者保護法下保險人說明義務規範架構是否尚存在修正與改進之空 間。 Over recent decades, with the development of financial markets have come highly complex, professional and technical characteristics of insurance products, which keeps deteriorating the information asymmetry between insurers and insurance consumers. Given that mandatory disclosure has been traditionally considered an appropriate regulatory response to market failures that stem from asymmetric information and widely adopted as an effective regulatory tool in the context of financial consumer protection, there appears to be necessity of imposing the duty of disclosure on insurers to protect insurance consumers. In fact, disputes over solicitation arising from insurance industries, particularly disputes over whether the insurers had fully explained the important aspects of their products, have long been one of the most common types of financial consumer disputes in Taiwan. Besides, while the Financial Consumer Protection Act entered into force in 2011, it provided a legal basis for the insurer’s duty of disclosure at the same time. However, insights from behavioral economics have shown that people do display systematic biases in judgement and decision-making. The effectiveness of statutory disclosure requirements therefore encounters more and more questions and challenges. For these reasons, this paper wishes to discuss the limitation of the effectiveness of disclosure regulations from the view of behavioral economics and subsequently investigate whether there is still room for improvement with regard to the insurer's duty of disclosure in the Financial Consumer Protection Act. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/70618 |
DOI: | 10.6342/NTU201802517 |
全文授權: | 有償授權 |
顯示於系所單位: | 法律學系 |
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ntu-107-1.pdf 目前未授權公開取用 | 8.67 MB | Adobe PDF |
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