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| DC 欄位 | 值 | 語言 |
|---|---|---|
| dc.contributor.advisor | 汪信君(Hsin-Chun Wan) | |
| dc.contributor.author | Chia-Chi Hsu | en |
| dc.contributor.author | 許家綺 | zh_TW |
| dc.date.accessioned | 2022-11-23T09:30:03Z | - |
| dc.date.available | 2021-09-02 | |
| dc.date.available | 2022-11-23T09:30:03Z | - |
| dc.date.copyright | 2021-09-02 | |
| dc.date.issued | 2021 | |
| dc.date.submitted | 2021-08-16 | |
| dc.identifier.citation | 中文文獻 (一) 專書 王志誠(2017)，現代金融法，三版，台北：新學林。 王澤鑑(2014)，民法總則，增訂新版再刷，台北：元照。 友野典男(2019)，謝敏怡譯，有限理性，初版，有限理性，台北：大牌。 汪信君、廖世昌(2017)，保險法理論與實務，四版，台北：元照。 (二) 期刊與研討會論文 王文宇(2015)，網路金融的發展與法制，月旦法學雜誌，第 238期，頁5-26。 何佳玲、張純嘉(2018)，壽險業顧客再購行為與多元行銷通路之選擇，保險專刊，第34卷第2期，頁189-226。 何佳玲、蔡蓓琪(2020)，影響金融機構保險績效關鍵因素之探討，保險專刊，第36卷第3期，頁233-266。 汪信君(2013)，信用評等機構監理規範之發展與困境：問責基礎與利益衝突，臺大法學論叢，第42卷4期，頁1333-1385。 汪信君(2020)，金融市場之揭露義務與適合度規範：由行為經濟學之視角論保險商品，臺大法學論叢，第49卷3期，頁1063-1120。 卓俊雄(2014)，論房貸壽險之意涵，台灣法學雜誌，第 242 期，頁55-65。 郭大維(2018)，論金融服務業銷售金融商品之消費者保護規範－我國法與英國法之比較，存款保險資訊季刊，第 31 卷 第 1 期，頁23-53。 張冠群(2016)，二○一五年新修正臺灣保險法關於保險經紀人義務相關規定之評析，月旦法學雜誌，第250期，頁120-141。 陳盈如(2016)，言論自由還是詐欺？－國際信評機構不準確評等之研究，東吳法律學報，第28卷第1期，頁87-149。 陳俊元(2020)，論保險經紀人之義務：受託義務與我國保險法修正之再檢討，，臺大法學論叢，第49卷2期，頁559-632。 曾允君(2018)，初探境外保險之代理、經紀及招攬，全國律師，第22卷第6期，頁52-65。 曾允君(2020)，論以保險商品比較平臺推動普惠金融之可行性，國立陽明交通大學全國科技法律研討會論文集，頁199-222。 彭金隆,葉啟洲,鄭筱璇(2011)，我國保險業務員招攬行為規範內容之探討，第27卷2期，頁135-147。 葉啟洲(2016)，保險業務員勞務契約之特徵與保險業務員管理規則，法令月刊，第67卷5期，頁51-66。 羅俊瑋、盧又順(2013)，論保險經紀人之資訊建議暨費用、佣金揭示義務，法令月刊，第64卷5期，頁45-72。 羅俊瑋(2016)，論保險法增訂酬金揭露制度規定對保險消費者保護之影響－兼論英國與歐盟保險銷售指令相關規定，台灣法學雜誌，第300期，頁83-100。 (三) 碩士論文 林永正(2018)，網路保險監理之研究─以保險比價網為中心，臺灣大學法律學研究所學位論文。 洪鈺淇(2020)，自比較法視點解構並再建構保險經紀人之忠實義務 —以美國法及日本法為中心—，政治大學風險管理與保險學系學位論文。 曾筱棋(2018)，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，臺灣大學法律學研究所學位論文。 (四) 研究報告 中華民國人壽保險商業同業公會 (2020)，〈109 年1~12 月壽險業績統計〉，《壽險公會季刊》，198期，頁1-6。 台灣金融服務業聯合總會(2017)，106 年金融建言白皮書--主管機關回應意見彙整表， https://www.tfsr.org.tw/Uploads/files/106%E5%B9%B4%E7%99%BD%E7%9A%AE%E6%9B%B8-%E4%B8%BB%E7%AE%A1%E6%A9%9F%E9%97%9C%E5%9B%9E%E6%87%89%E6%84%8F%E8%A6%8B%E5%BD%99%E7%B8%BD.pdf 財團法人保險事業發展中心(2021)，202101保險市場重要指標，https://www.tii.org.tw/export/sites/tii/research/files/2020110105___final_108.xls 郭迺鋒、郭敏華、簡仲明(2005)，台灣民眾保險觀念與行為調查，https://www.tii.org.tw/export/sites/tii/research/files/research2006.pdf (五) 政府文書 釋字第521號解釋理由書。 釋字第634號解釋理由書。 釋字第488號解釋大法官施文森之部分不同意見書。 金融監督管理委員會(96)金管保理字第09602551731號函。 金融監督管理委員會(100)金管保理字第10002541002號函。 金融監督管理委員會(101)金管保理字第10100341680號函。 最高法院101年度台上字第6562號判決。 臺灣高等法院臺南分院97年度保險上字第9號判決。 最高法院101年度台上字第6562號判決。 臺灣臺北地方法院102年度金易字第3號刑事判決。 109年評字第131號評議書。 109年評字第13號評議書。 109年評字第33號評議書。 109年評字第96號評議書。 109年評字第230號評議書。 109年評字第260號評議書。 109年評字第172號評議書。 109年評字第259號評議書。 109年評字第406號評議書。 109 年評字第 1705 號評議書。 109年評字第246號評議書。 109年評字第247號評議書。 (六) 網路資料 好房網，金管會盯上房貸壽險，https://news.housefun.com.tw/news/article/19226312602.html 聯合新聞網，金管會管制儲蓄險下重手 銀行通路成重災區，資料來源：https://udn.com/news/story/7239/4572770 金融監督管理委員會保險局公告資訊，資料來源：https://www.ib.gov.tw/ch/home.jsp?id=2 parentpath=0 mcustomize=news_view.jsp dataserno=201911140003 aplistdn=ou=news,ou=multisite,ou=chinese,ou=ap_root,o=fsc,c=tw dtable=News 英文文獻 (一) 專書 Armour, J., Awrey, D., Davies, P. 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Enaction of Chapter VII of the Insurance Distribution Directive: What Can Member States Learn from the Enforcement Failures of the United States?. Insurance Distribution Directive, 197-219. Finke, M. (2013). Financial Advice: Does it make a difference?, The market for retirement financial advice, 229-48. Fisch, J. E., Labouré, M. and Turner, J. A. (2019). The Emergence of the Robo-advisor. The Disruptive Impact of FinTech on Retirement Systems, 13-37. Frey, B. S., Gallus, J. (2016). Beneficial and exploitative nudges. In Nudging-Possibilities, Limitations and Applications in European Law and Economics, 11-20. Marano, P. (2016). The EU regulation on comparison websites of insurance products. The' Dematerialized' Insurance, 59-84. Marano, P. (2020). The Contribution of Product Oversight and Governance (POG) to the Single Market: A Set of Organisational Rules for Business Conduct. Insurance Distribution Directive, 55-74). Mathis, K., and Burri, P. A. (2016). Nudging in Swiss Contract Law?. Nudging-Possibilities, Limitations and Applications in European Law and Economics, 121-151. Noussia, K. (2020). The IDD and Its Impact on the Life Insurance Industry. Insurance Distribution Directive, 75-112. Ostrowska, M. (2021). Information Duties Stemming from the Insurance Distribution Directive as an Example of Faulty Application of the Principle of Proportionality. Insurance Distribution Directive, 31-54. Paś, W. (2020). Ensuring the customer’s best interest in the Polish insurance market. Insurance Distribution Directive, 161-178. Porrini, D. (2018). The effects of innovation on market competition: the case of the insurance comparison websites. Маркетинг і менеджмент інновацій, (3), 324-332. Rokas, I. (2016). European and International Online Distribution of Insurance Products. The' Dematerialized' Insurance, 3-37. Schweizer, M. (2016). Nudging and the principle of proportionality. 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Yale Law Journal, 113, 269-346. Colombo, R. J. (2013). Merit Regulation Via the Suitability Rules. Journal of International Law and Business, 12, 1-16. Eling, M., Nuessle, D. and Staubli, J. (2021). The impact of artificial intelligence along the insurance value chain and on the insurability of risks. The Geneva Papers on Risk and Insurance-Issues and Practice, 1-37. Gerding, E. F. (2015). Disclosure 2.0: can technology solve overload, complexity, and other information failures. Tulane Law Review, 90, 1143-1180. Giese, K. (2011). Intermediary Compensation and Conflict of Interest in the United States and in the European Union (Part 1). DAJV Newsl. 36, 107-114. Giese, K. (2011). Intermediary Compensation and Conflict of Interest in the United States and in the European Union (Part 2). DAJV Newsl. 36, 154-161. Grolleau, G., Kocher, M. G., Sutan, A. (2016). Cheating and loss aversion: Do people cheat more to avoid a loss?. Management Science, 62(12), 3428-3438. 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Li, H. (2019). Repetitive Disclosures in the MD A. Journal of Business Finance Accounting, 46(9-10), 1063-1096. Loewenstein, G., Cain, D. M. and Sah, S. (2011). The limits of transparency: Pitfalls and potential of disclosing conflicts of interest. American Economic Review, 101(3), 423-28. Lodge, M., and Wegrich, K. (2016). The rationality paradox of nudge: Rational tools of government in a world of bounded rationality. Law policy, 38(3), 250-267. Marano, P. (2019). Navigating InsurTech: The digital intermediaries of insurance products and customer protection in the EU. Maastricht Journal of European and Comparative Law, 26(2), 294-315. Noggle, R. (1996). Manipulative actions: a conceptual and moral analysis. American Philosophical Quarterly, 33(1), 43-55. Page, L. (2021). Disclosure for real humans. Behavioural Public Policy, 5(2), 225-237. Persson, P. (2018). Attention manipulation and information overload. Behavioural Public Policy, 2(1), 78-106. Pousttchi, K., Gleiss, A. (2019). Surrounded by middlemen-how multi-sided platforms change the insurance industry. Electronic Markets, 29(4), 609-629. Ratnadiwakara, D., and Yerramilli, V. (2017). Sunk-cost fallacy and seller behavior in the housing market. Available at SSRN 3040712. Rysman, M. (2009). The economics of two-sided markets. Journal of economic perspectives, 23(3), 125-43. Shapira, Z., and Venezia, I. (2008). On the preference for full-coverage policies: Why do people buy too much insurance?. Journal of Economic Psychology, 29(5), 747-761. Steen, A., McGrath, D., Wong, A. (2016). Market failure, regulation and education of financial advisors. Australasian Accounting, Business and Finance Journal, 10(1), 3-17. Steffen, A., Weibel, C., Staempfli, A. E., and von Arx, W. (2020). Upselling by default: the effect of default options on travelers’ board and lodging choices. Journal of Travel Research, 59(7), 1253-1267. Spencer, S. B. (2020). The Problem of Online Manipulation. U. Ill. L. Rev., 959-1006. Sunstein, C. R. (2015). Fifty shades of manipulation. Journal of Behavioral Marketing, 1-32. Susser, D., Roessler, B., and Nissenbaum, H. (2018). Online manipulation: Hidden influences in a digital world. Georgetown Law Technology Review, 1-45. Thaler, R. H. (2018). From cashews to nudges: The evolution of behavioral economics. American Economic Review, 108(6), 1265-1287. Walther, T. (2015). Key investor documents and their consequences on investor behavior. Journal of Business Economics, 85(2), 129-156. Weyl, E. G. (2010). A price theory of multi-sided platforms. American Economic Review, 100(4), 1642-72. (四) 研究報告 Blumenthal-Barby, J. S. (2013) Choice architecture: improving choice while preserving liberty?. https://philpapers.org/rec/BLUCAI Brunnermeier, M., Crockett, A., Goodhart, C. A., Persaud, A., Shin, H. S. (2009). The fundamental principles of financial regulation (Vol. 11). Geneva: ICMB, Internat. Center for Monetary and Banking Studies. https://web.actuaries.ie/sites/default/files/erm-resources/The_fundamental_principles_of_financial_regulation.pdf CMA (2017) Digital comparison tools market study Final report. https://assets.publishing.service.gov.uk/media/59c93546e5274a77468120d6/digital-comparison-tools-market-study-final-report.pdf CMA (2017) Digital comparison tools market study Final report Paper D: Making comparison easier and more effective. https://assets.publishing.service.gov.uk/media/59c93771e5274a77468120d7/paper-d-making-comparison-easier-and-more-effective.pdf Crockett, A., Harris, T., Mishkin, F. S., White, E. N. (2003). Conflicts of Interest in the Financial Services Industry: What should we do about them? Geneva Reports on the World Economy 5. https://cepr.org/sites/default/files/geneva_reports/GenevaP163.pdf de Jong, F.(2017) A commission ban for financial advice: Lessons learned from The Netherlands. https://www.researchgate.net/publication/327933069_A_commission_ban_for_financial_advice_Lessons_learned_from_The_Netherlands EIOPA (2014) Report on Good Practices on Comparison Websites. https://register.eiopa.europa.eu/Publications/Reports/Report_on_Good_Practices_on_Comparison_Websites.pdf Ernst and Young. (2014). 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Kramer. (2018) The impact of the commission ban on financial advice seeking. https://efmaefm.org/0efmameetings/EFMA%20ANNUAL%20MEETINGS/2018-Milan/papers/EFMA2018_0294_fullpaper.pdf SEC (2003) Report on the Role and Function of Credit Rating Agencies in the Operation of the Securities Markets. http://www.sec.gov/news/studies/credratingreport0103.pdfS. SEC (2013) Report to Congress - Credit rating agency independence study. https://www.sec.gov/files/credit-rating-agency-independence-study-2013.pdf (五) 網路資料 Brian Tullio, Fiduciary Standard vs Regulation BI. https://fairwaywealth.com/fiduciary-standard-vs-regulation-bi/ EIOPA, Regulation Q A. https://www.eiopa.europa.eu/content/1994_en?source=search European Commission, Platform-to-business trading practices, Platform-to-business trading practices. https://ec.europa.eu/digital-single-market/en/platform-business-trading-practices G20, High-level Principles on Financial Consumer Protection, https://www.oecd.org/daf/fin/financial-markets/48892010.pdf Iain Sawers, FCA turns focus on price comparison websites. https://www.pinsentmasons.com/out-law/news/fca-turns-focus-on-price-comparison-websites Lapham, K., Verwey, J., Singh, M.,and Unadkat, A., Breaking Down the New EU ESG Disclosure Regulation: One Month to Go, National Law Review. https://www.natlawreview.com/article/breaking-down-new-eu-esg-disclosure-regulation-one-month-to-go NAIC, SUITABILITY IN ANNUITY TRANSACTIONS MODEL REGULATION (#275) BEST INTEREST STANDARD OF CONDUCT REVISIONS FREQUENTLY ASKED QUESTIONS. https://content.naic.org/sites/default/files/inline-files/Draft%20FAQ-3.pdf Remarks of Russell G. Golden, AICPA Conference on Current SEC and PCAOB Developments, https://www.fasb.org/cs/ContentServer?c=Document_C cid=1176163675405 d= pagename=FASB%2FDocument_C%2FDocumentPage Riesner , A. Seidler , P., IDD and MiFID II – regulatory requierements with major impact on the business models of banks and insurance companies. https://www.bankinghub.eu/banking/finance-risk/idd-mifid-ii SEC, The Path Forward on Disclosure, National Association of Corporate Directors — Leadership Conference. https://www.sec.gov/news/speech/spch101513mjw#.VCyAzE10zIU | |
| dc.identifier.uri | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/80172 | - |
| dc.description.abstract | 隨著數位化時代來臨，金融服務逐漸與科技結合，以創新的姿態活躍於金融市場，保險資訊平台即是其中一例。保險資訊平台將來自各個保險機構的商品集中於單一網站，便利消費者以較低的成本蒐集較全面的市場資訊，具有協助消費決策，降低資訊不對稱並促進市場競爭的潛力。然而，國際間管制者監理報告指出保險資訊平台定位不明，部分平台業者對自身法律遵循義務欠缺正確認識；平台未揭露利益衝突來源與內容，導致消費者忽略服務隱藏成本與偏見；平台與消費者互動的過程中，資訊揭露內容不健全、揭露方式欠缺可比較性且存在誤導疑慮，篩選器運作過程扭曲消費者需求，部分銷售手段具有操縱消費者認知與行為的可能性。上述觀察凸顯了保險資訊平台創造與傳統保險銷售者類似之風險，具有管制介入必要。 然而，目前我國保險資訊平台只要未辦理網路投保業務，即不必受類似於保險業務員、經紀人或代理人之監管，導致不同銷售管道上消費者所受法律保障存在差異。但由於目前保險銷售管制規範對不同銷售主體之管制標準存在不合理落差，部分規範內容無法有效解決平台銷售風險問題，因此保險資訊平台不適合直接適用既有規範，必須先將既有規範進行整合，再以此為基礎，依平台特殊性進行規範調整。 本文目的為提出保險資訊平台管制建議，確保消費者在平台的輔助下可以做成符合需求的消費決策。本文論述將以國際監理報告所指出的平台銷售風險為核心，探討問題的理論背景並參考比較法處理方式與學說建議，接著檢討我國規範內容，最後提出管制建議。 | zh_TW |
| dc.description.provenance | Made available in DSpace on 2022-11-23T09:30:03Z (GMT). No. of bitstreams: 1 U0001-2606202111273600.pdf: 2630877 bytes, checksum: 41ceae3ade052e74ee59e687e9132a55 (MD5) Previous issue date: 2021 | en |
| dc.description.tableofcontents | 第一章 緒論 1 第一節 研究動機 1 第二節 問題意識 2 第三節 論文架構 3 第四節 研究範圍與方法 4 第二章 保險資訊平台與保險銷售管制 5 第一節 保險資訊平台簡介 6 第二節 保險資訊平台衍生之消費者保護議題 8 第三節 我國管制規範架構與問題 11 第四節 比較法上管制措施 20 第三章 管制範圍界定 27 第一節 現行法管制對象 27 第二節 受規範之主體範圍界定 35 第三節 受規範之行為範圍界定 42 第四節 將資訊平台納入管制的合理性討論 50 第四章 利益衝突制度檢討 55 第一節 利益衝突及平台理論 55 第二節 利益衝突管制措施 62 第三節 我國規範檢討 84 第四節 小結 88 第五章 互動性制度檢討 90 第一節 資訊揭露 90 第二節 適合性義務 114 第三節 銷售手段限制與操縱 125 第四節 我國規範檢討 144 第五節 小結 159 第六章 結論 162 第一節 保險資訊平台管制議題聚焦 162 第二節 保險銷售管制建議 164 參考文獻 173 中文文獻 173 英文文獻 176 | |
| dc.language.iso | zh-TW | |
| dc.subject | 操縱 | zh_TW |
| dc.subject | 保險資訊平台 | zh_TW |
| dc.subject | 不當銷售 | zh_TW |
| dc.subject | 利益衝突 | zh_TW |
| dc.subject | 資訊揭露 | zh_TW |
| dc.subject | mis-selling | en |
| dc.subject | manipulation | en |
| dc.subject | information disclosure | en |
| dc.subject | conflict of interest | en |
| dc.subject | insurance information platform | en |
| dc.title | 保險資訊平台對消費決策之影響—以不當銷售風險控制為核心 | zh_TW |
| dc.title | Insurance Information Platform’s Influence on Consumer Decision — Focus on Controlling the Risk of Mis-selling | en |
| dc.date.schoolyear | 109-2 | |
| dc.description.degree | 碩士 | |
| dc.contributor.oralexamcommittee | 陳俊元(Hsin-Tsai Liu),李志峰(Chih-Yang Tseng) | |
| dc.subject.keyword | 保險資訊平台,不當銷售,利益衝突,資訊揭露,操縱, | zh_TW |
| dc.subject.keyword | insurance information platform,mis-selling,conflict of interest,information disclosure,manipulation, | en |
| dc.relation.page | 187 | |
| dc.identifier.doi | 10.6342/NTU202101146 | |
| dc.rights.note | 同意授權(全球公開) | |
| dc.date.accepted | 2021-08-17 | |
| dc.contributor.author-college | 法律學院 | zh_TW |
| dc.contributor.author-dept | 法律學研究所 | zh_TW |
| 顯示於系所單位： | 法律學系 | |
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|---|---|---|---|
| U0001-2606202111273600.pdf | 2.57 MB | Adobe PDF | 檢視/開啟 |
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