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    題名: 金融科技發展下我國金融消費者保護法之因應－以機器人投顧之義務為中心
    The Response of Financial Consumer Protection Act For the Development of FinTech：Focusing on the Obligation of Robo-Advisors
    作者: 翁嘉均
    Weng, Chia-Chun
    貢獻者: 張冠群
    翁嘉均
    Weng, Chia-Chun
    關鍵詞: 機器人投資顧問
    金融消費者保護法
    受任人義務
    適合性義務
    說明義務
    Robo-Advisors
    Financial Consumer Protection Act
    Fiduciary Duty
    Suitability Obligation
    Duty of Disclosure
    日期: 2019
    上傳時間: 2019-09-05 16:24:34 (UTC+8)
    摘要: 機器人投資顧問提供投資人透過低成本、低門檻接受個人化投資管理服務，在各國政府對於金融科技發展持開放態度，且年輕世代對於網路依存度高之背景下，機器人投資顧問得以在近年間於各地蓬勃發展。我國目前對機器人投資顧問業者尚未設有專法因應，但自國際競爭及產業整體發展的角度以觀，機器人投資顧問實為產業發展之重要議題，且所可能衍生的風險也不容小覷。
    本文以機器人投資顧問適用我國金融消費者保護法後所可能出現的爭議，提出以下問題，分別為「金融消費者保護法的受任人義務內涵、能否履行受任人義務、受任人義務如何調整、風險及利益衝突之監管、金融消費者之保障」，透過相關法規之立法理由、實務判決見解、分析國內外學者文獻及比較法包括美國、英國等為主要研究方法，借鑒他國監理機關之觀點，進而針對以上議題分析提出個人建議，並供立法者及主管機關參考。
    研究結論與建議上，本文認為我國金融消費者保護法規定之受任人義務中，善良管理人注意義務即為適合性義務與說明義務的履行，另可將資訊揭露視為其忠實義務之一環，並透過法理解釋或修改法規的方式，進而調整或界定機器人投資顧問之受任人義務，主管機關也應針對機器人投資顧問的服務模式，重新檢視過往對於傳統投資顧問的監管法規，並補足自動化服務要點的缺失，完善演算法監理及風險揭露要求，俾使其能夠於金融市場上穩定經營，於促進金融創新及保障金融消費者間取得平衡。
    Robo-advisors offer investors access to personalized investment management services at low cost and with low barriers to entry. Robo-advisors have flourished in recent years in a world where governments are open to FinTech development and young people rely heavily on the Internet. At present, there is no specific method to deal with Robo-advisors in Taiwan, however, from the perspective of international competition and the overall development of the industry, Robo-advisors are indeed an important topic of FinTech innovation, and the risks it may generate should not be underestimated.
    Based on the possible disputes arising from the application of Financial Consumer Protection Act by Robo-advisors, this paper proposes the following questions, which are respectively “the connotation of the fiduciary duty of the financial consumer protection act, whether the fiduciary duty can be fulfilled, how the fiduciary duty can be adjusted, the regulation of risks and conflicts of interest, and the protection of financial consumers.”. Through the legislative reasons of relevant laws and regulations, practical judgment opinions, analysis of domestic and foreign scholars` literatures and comparative laws, including the United States and the United Kingdom, etc., as the main research methods, this paper draws on the views of other countries` regulatory authorities, and then puts forward personal suggestions on the above issues for the reference of legislators and competent authorities.
    In conclusion and suggestions, this paper argues that the duty of care of fiduciary duty is the fulfillment of the suitability obligation and duty of disclosure, and the disclosure of information can be regarded as a part of the duty of loyalty. Through legal interpretation or modify the regulations, and then adjust or define Robo-advisors’ fiduciary duty, the competent authority should also aim at the service mode of Robo-advisors, to review the past for the traditional investment advisers regulations, and make up the lack of Securities Investment Trust & Consulting Association of the R.O.C. Guidelines for Securities Investment Consulting Services of Securities Investment Consulting Enterprises (SICEs) with Automated Tools (Robo-Advisor), improve the algorithms supervision and risk disclosure requirements, which allow it to financial market stability and operation, to reach the balance between promoting financial innovation and protecting financial consumers.
    參考文獻: 參考文獻
    壹、 中文文獻(按作者姓氏字母順序排列)
    一、 中文書籍
    1. 王文宇，金融法，元照出版，2016年2月，第9版。
    2. 王志誠，信託法，新學林，2016年3月，第5版。
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    4. 謝哲勝，信託法，元照出版社，2014年8月，第4版。
    5. 協合國際法律事務所，金融科技發展與法律，五南出版社，2018年4月，第2版。
    二、 期刊專論
    1. 王文宇，法律移植的契機與挑戰－以公司法的受託、注意與忠實義務為中心，月旦民商法雜誌，第19期，頁81-91，2008年3月。
    2. 李儀坤，日本開放銀行業金融數據共享之現況發展，存款保險資訊季刊，第31卷，第2期，頁38-55，2018年6月。
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    11. 張明珠，專題二-淺談機器人理財在台灣未來之發展，證券暨期貨月刊，第37卷，第1期，頁14-24，2019年1月。
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    三、 學位論文
    1. 江家儀，我國證券投資顧問(事業)規範之問題探討─附論金融商品推介行為之規範設計，國立臺灣大學法律學系碩士論文，2010年10月。
    2. 林鈺凱，機器人理財之風險管理功能與監理法制探討，國立政治大學法學院碩士在職專班碩士論文，2018年7月。
    3. 鄭郁萱，金融服務業提供金融商品或服務的忠實義務，國立中正大學法律研究所碩士論文，2014年7月。
    4. 劉容如，銀行銷售衍生性金融商品之金融消費者保護法制－以適合性原則及說明義務為中心，國立政治大學法學院碩士在職專班碩士論文，2018年7月。
    四、 研究計畫
    1. 王儷容、王煦棋，我國境外結構型商品監理架構與外國監理法制之比較研究，行政院金融監督管理委員會委託研究，2016年11月。
    2. 李映瑾，指數股票型基金（ETF）全球發展概況與可能影響，台北外匯市場發展基金會委託計畫，2018年4月。
    3. 洪志麟、賴冠妤、陳國瑞、呂馥伊，機器人投資顧問（Robo-Advisor）國外實務及相關法令與管理措施之研究，中華民國證券投資信託暨顧問商業同業公會委託研究，2016年7月。
    4. 財團法人中華民國證券暨期貨市場發展基金會，我國發展機器人理財顧問之研究，資產管理產業發展與人才培育基金委託專題研究，2018年1月。
    五、 網路資源
    1. 王道銀行。
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    2. 大拇哥TAROBO投顧。
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    貳、 英文文獻(按作者姓氏字母順序排列)
    一、 英文書籍
    1. Frankel, Tamar (1st ed., 2011). FIDUCIARY LAW. Oxford University Press.
    2. Zokaityte, Asta (1st ed. 2017). FINANCIAL LITERACY EDUCATION. Palgrave Macmillan.
    二、 期刊專論
    1. Arner, Douglas W., Barberis, Jànos, & P. Buckley, Ross, The Evolution of FinTech: A New Post-Crisis Paradigm?, 47 GEORGETOWN J. INT’L L. 1272, (2016).
    2. Ayres, Ian, & Fox, Edward, Alpha Duties: The Search For Excess Returns And Appropriate Fiduciary Duties, 97 TEX. L. REV. 445, (2019).
    3. Ben-Shahar, Omri & Schneider, Carl E., The Failure Of Mandated Disclosure, 159 U. PA. L. REV. 647, (2011).
    4. DZIEDZIC, Magdalena, Regulatory reforms to deal with information overload in financial services: insights from behavioural economics, 28 Journal of Insurance, Financial Markets and Consumer Protection. 3, (2018)
    5. Iannarone, Nicole G., Computer As Confidant: Digital Investment Advice And The Fiduciary Standard, 93 CHI.-KENT L. REV. 141, (2018).
    6. Ji, Megan, Are Robots Good Fiduciaries? Regulating Robo-Advisors Under The Investment Advisers Act of 1940, 117 COLUM. L. REV. 1543, (2017).
    7. Wrona, James S., The Best of Both Worlds: A Fact-Based Analysis of the Legal Obligations of Investment Advisers and Broker-Dealers and a Framework for Enhanced Investor Protection, 68 BUS. LAW. 1, (2012).
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    描述: 碩士
    國立政治大學
    法律學系
    1066510381
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G1066510381
    資料類型: thesis
    DOI: 10.6814/NCCU201900741
    顯示於類別:[法律學系] 學位論文

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