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    Title: 金融消費者保護法上適合性原則之研究;A Study on the Suitability Doctrine in Financial Consumer Protection Act
    Authors: 張瑞妤;CHANG, JUI-YU
    Contributors: 財經法律系研究所
    Keywords: 金融消費者保護法;適合性原則;適合度;瞭解你的商品原則;認識客戶程序;金融消費評議中心;評議決定;公平合理原則;Financial Consumer Protection Act;Suitability Doctrine;Suitability;Know Your Product;Know Your Consumer;Financial Ombudsman Institution;Ombudsman Case;The Principles of Fairness and Reasonableness
    Date: 2017
    Issue Date: 2019-07-17 10:57:44 (UTC+8)
    Publisher: 財經法律系研究所
    Abstract: 在金融商品結構趨於複雜、專業、高風險之狀況下,金融消費者處於交易資訊極度不對等之弱勢地位。故金融服務業於推介金融商品前,須先瞭解金融商品風險並為等級分類,再透過認識客戶程序,瞭解金融消費者投資需求、目的及風險承受度等資訊,確實踐行「適合性原則」推介適合之金融商品,此對維護金融消費者權益,至關重要。過去適合性原則多存在行政命令或各業自律規範,違反之法律效果有所爭議。惟金融消費者保護法第9條賦予適合性原則法律地位,金融服務業違反適合性原則致金融消費者受有損害者,應依同法第11條負損害賠償責任。若金融服務業主觀上具故意或過失,金融消費者甚至可依同法第11條之3請求懲罰性賠償金。故本文透過文獻分析法,分析金融消費者保護法第9條適合性原則之內涵、違反適合性原則之損害賠償責任要件,以及懲罰性賠償金之成立要件。又金融消費評議制度,係透過公正第三人依一定程序,以公平合理原則做成評議決定,達迅速解決金融消費糾紛,與實現公平正義之目的。惟公平合理原則係不確定法律概念,故本文透過分析與適合性原則相關之評議決定,歸納違反適合性原則之常見樣態,了解評議中心如何具體化公平合理原則,於操作適合性原則之要件及補償金融消費者,以找出通案性之判斷標準。
    In the view of the increasing diversity and complexity in financial products and services, asymmetric information makes financial consumers tend to rely on financial services enterprises with the advantage of the information. Financial consumers are vulnerable to conducting their financial trading by following the enterprises’ recommendation. Therefore, the financial services enterprise must have an adequate and reasonable basis to believe that a recommended financial products are suitable for the financial consumers, based on fulfilling “Know Your Product” suitability, which focuses on the characteristics of the recommended financial products, and “Know Your Customer” suitability, which focuses on the financial objectives, risk tolerance, financial situation and other information of the financial consumers, through reasonable diligence.Financial Consumer Protection Act (FCPA) promoted the position of the suitability doctrine from the status of administrative ordinances and self-regulatory rules to that of law. For protecting the financial consumers, the constituent elements of suitability doctrine which financial services enterprise requires in a financial transaction is expressly described in Article 9 of the FCPA. And the author analyzed the constituent elements of the liability for damages of failing to perform “Suitability Doctrine” in Article 11 and the punitive damages in Article 11-3.Financial Consumer Ombudsman Scheme provides the financial consumers with an alternative resolution for dealing with any financial disputes professionally, fairly, reasonably, and effectively. However, the principle of fairness and reasonableness arose from the Law of Equity in Common Law System instead of the traditional legal concept in Taiwan. In order that the principles of fairness and reasonableness can be realized by financial customers, financial services enterprises, and society. The author analyzed the ombudsman cases about suitability doctrine to summarize the common pattern of violating the suitability doctrine and to know how the Ombudsman Committee applied the principles of fairness and reasonableness to financial disputes of breach of suitability doctrine in the determination of the merit, remedy and the claims.
    Appears in Collections:[財經法律系研究所] 學位論文

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