請用此 Handle URI 來引用此文件:
http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/89126
標題: | 論我國金融機構作業委外之監管與賠償責任 The Regulation and Compensation Liability of Outsourcing by Financial Institutions |
作者: | 劉靜耘 Ching-Yun Liu |
指導教授: | 楊岳平 Yueh-Ping Yang |
關鍵字: | 委外作業,委外監理,委外風險,他人行為責任,民事責任, outsourcing arrangement,outsourcing regulation,outsourcing risk,vicarious liability,civil liability, |
出版年 : | 2023 |
學位: | 碩士 |
摘要: | 透過委外作業,金融機構能夠提高效率、降低成本和增加彈性,同時為金融消費者提供更高品質的專業服務,因此已成為金融產業的全球趨勢。惟近年來,我國金融機構為順應數位化之潮流,對開發、監控、維護資訊系統之需求大幅增加,此際金融機構要面對的是規模可能遠大於其自身的跨國科技公司,而相較於過去傳統的委外作業類型,不必然具有相當的議價力、影響力以及監管能力。
我國現行法制《金融機構作業委託他人處理內部作業制度及程序辦法》要求金融機構為受委託機構的故意或過失甚至一切作業委外負最終責任,本質上係要求金融機構承擔他人行為之法律責任風險,惟可能造成金融機構因作業委外而面臨過高的法律責任風險。因此,本文旨在探討如何平衡金融機構作業委外的效益與監管需求,並提供相應的法制設計建議。 本文採用「文獻回顧法」與「比較制度法」,分析我國民事契約法中涉及他人行為責任的法規,並建構責任體系光譜樣態,特別是民法第224條、第538條、第606條、第607條、第634條、第654條等涉及他人行為責任之規定,嘗試建構民事他人行為責任體系由輕至重之光譜樣態,並探求立法者分配責任時之價值判斷,以作為設計金融機構作業委外他人行為責任時的參考基礎。 本文主張,金融機構作業委外之責任分配,應完整適用民法第224條的邏輯;擬制金融消費者對受委託機構享有「直接請求權」;使金融機構與受委託機構事前共同辨識風險、明確分配責任之分工與歸屬並公開之等修法建議。本文期待透過上述內容,提出我國現行法制調整之可能,在兼顧金融消費者保護之前提下,使金融機構之人行為責任更為衡平,同時促進整體金融環境發展。 Outsourcing allows financial institutions to enhance efficiency, reduce costs, and increase flexibility while providing financial consumers access to higher-quality professional services. Therefore, it has become a global trend in the financial industry. However, in recent years, financial institutions have experienced a substantial increase in the demand for the development, monitoring, and maintenance of information systems to adapt to the trend of digitization. At this juncture, financial institutions face multinational technology companies whose scale may far exceed their own. Compared to traditional outsourcing models, financial institutions may not necessarily possess significant bargaining power, influence, and regulatory capabilities. In Taiwan, the current legal system, the "Regulations Governing Internal Operating Systems and Procedures for the Outsourcing of Financial Institution Operation," requires financial institutions to assume ultimate responsibility for intentional or negligent acts or any outsourced operations. Essentially, this demands that financial institutions in Taiwan bear vicarious liability risks. However, this may result in financial institutions in Taiwan facing excessive legal liability risks due to outsourced operations. Therefore, this thesis aims to explore how to balance the benefits of outsourcing operations in financial institutions with regulatory requirements and provide corresponding recommendations for legal design. This thesis adopts the "literature review" and "comparative institutional analysis" methods to analyze the relevant regulations concerning vicarious liability in Taiwan's civil contract law. It constructs a spectrum of civil liability systems, particularly focusing on provisions such as Articles 224, 538, 606, 607, 634, and 654 of the Civil Code that relate to liability for the acts of others. It attempts to construct a spectrum of civil vicarious liability systems ranging from light to severe and explores the value judgments made by legislators when allocating responsibility, serving as a reference basis for designing the liability of financial institutions in Taiwan for the acts of others in outsourced operations. This thesis argues that the allocation of responsibility in outsourcing operations by financial institutions in Taiwan should fully apply the logic of Article 224 of the Civil Code. It proposes the establishment of the "direct right of action" for financial consumers against entrusted institutions and suggests the amendment of laws to facilitate joint identification of risks, clear allocation and attribution of responsibilities, and public disclosure between financial institutions and entrusted institutions. Through the above content, this thesis hopes to propose possible adjustments to Taiwan's current legal system that, while ensuring the protection of financial consumers, achieve a more balanced personal liability for financial institutions and promote the overall development of the financial environment. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/89126 |
DOI: | 10.6342/NTU202300966 |
全文授權: | 未授權 |
顯示於系所單位: | 科際整合法律學研究所 |
文件中的檔案:
檔案 | 大小 | 格式 | |
---|---|---|---|
ntu-111-2.pdf 目前未授權公開取用 | 2.14 MB | Adobe PDF |
系統中的文件,除了特別指名其著作權條款之外,均受到著作權保護,並且保留所有的權利。