金融消費者保護法下適合度義務與說明義務之重構——以投資型保險銷售爭議為例

Abstract

有鑑於投資型保險銷售爭議不斷，本文回顧我國金融消費者保護法下適合度、說明義務等規定適用情形。首先就適合度規定而言，本文在立法層面強調採原則導向規範之重要性，並指出應如何與銷售投資型保險適用之法規命令相互配套，以及指出在法院實務層面應貫徹立法精神，對於個案進行實質審查；接著，就說明義務而言，本文在立法層面亦指出履行說明義務方式原則上不應予以限制，但對於例外情形，像是銷售對象為高齡消費者，則須考量口頭說明之必要性，最後，本文亦指出說明義務與適合度規定得相輔相成，即得以適合個別消費者屬性之方式為有效的資訊揭露。

In light of the ongoing controversies in relation to the sales of variable contracts, this thesis examines the application of the suitability rule and the disclosure obligation regulated in the Financial Consumer Protection Act in Taiwan. Firstly, concerning the suitability requirement, this thesis raises the importance of principle-based regulation from the legislative aspect. It delineates how the Act should be harmonized with other existing regulations governing the sale of variable contracts. It also suggests that the courts conduct substantial review in individual cases in accordance with the suitability requirement, thus aligning with the legislative intent. Secondly, regarding the disclosure obligation, this thesis also emphasizes that for exceptional circumstances, such as selling variable contracts to elderly consumers, the necessity of oral explanations must be considered. Lastly, the thesis proposes that to improve the efficacy of disclosure regulations and to ensure better comprehension of information by financial consumers, the disclosed content should be personalized to accommodate the individual attributes of consumers.