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    Title: 論我國保險安定基金之改革—以英美法為參考
    Improvement of Taiwan Insurance Guaranty Fund Regulation—Taking Anglo-American Law as a Reference
    Authors: 張定和
    Chang, Ting-Ho
    Contributors: 陳俊元
    Chen, Chun-Yuan
    張定和
    Chang, Ting-Ho
    Keywords: 退場
    失卻清償能力
    保險安定基金
    保單持有人保護方案
    Resolution
    Insolvency
    Insurance Guaranty Fund
    Policyholder Protection Scheme
    Date: 2024
    Issue Date: 2024-09-04 13:39:59 (UTC+8)
    Reference: 一、中文文獻
    (一)專書
    王志誠(2009),〈金融穩定基金之定位及監控機制-從「補破網」到「滅火器」〉,《法學新論》,第16期,頁1-29。
    Keith F. Punch(著),林世華(譯)(2005),《社會科學研究法 : 量化與質化取向》,頁12-13,臺北:心理。
    陳彩稚(2015),《人身保險:人壽保險、年金與健康保險》,臺中:滄海。
    陳敏(2019),《行政法總論》,10版,台北:自版。
    葉啟洲(2019),《保險法》,6版,臺北:元照。
    廖世昌、郭姿君、洪佩君(2014),《保險監理實務》,臺北:元照。
    鍾倫納(1993),《應用社會科學研究法》,臺北:臺灣商務。
    (二)期刊
    王志誠(2009),〈金融穩定基金之定位及監控機制-從「補破網」到「滅火器」〉,《法學新論》,第16期,頁1-29。
    何殷如(2012),〈全面解讀信用違約交換(CDS)〉,《證券暨期貨月刊》,第30卷第11期,頁37-52。
    何曜琛、戴銘昇(2011),〈SEC v. National Securities, Inc. 393 U.S. 453(1969)〉,《美國聯邦最高法院憲法判決選譯》,第7輯,頁262-269。
    卓俊雄、江朝聖(2014),〈問題壽險公司強制退場之研究--以成立過渡保險機構為論述核心〉,《保險法論著選集:當代重要議題評析(一)》,頁210-234。
    卓俊雄、曾耀鋒(2013),〈處理問題人壽保險公司退場資金不足因應措施之研究-以日本為例〉,《保險經營與制度》,第12卷第1期,頁29-51。
    林國彬(2009),〈保險業經營危機之處理及因應機制⎯⎯以問題保險事業之併購模型為中心〉,《月旦法學雜誌》,第165期,頁46-78。
    林國彬(2010),〈美國問題保險事業退場機制之研究──以NAIC模範法律為討論範圍〉,《月旦民商法雜誌》,第30期,頁104-132。
    郭土木(2007),〈國華產物保險案之探討〉,《全國律師》,第11卷第2期,頁14-24。
    陳俊元(2020),〈初探防疫保單之亂〉,《當代法律》,第7期,頁13-18。
    陳俊元(2024),〈保險業務移轉之研究—由未了責任談起〉,《東吳法律學報》,第35卷第3期,頁87-140。
    (三)學位論文
    吳毓文(2009),《論我國保險安定基金之改革-與英國金融服務補償計畫及我國中央存款保險公司相比較》,國立政治大學風險管理與保險學系碩士論文。
    林沛瑩(2016),《問題壽險業退場機制之研究-兼論過渡保險機制》,國立政治大學風險管理與保險學系碩士論文。
    林俊廷(2019),《論我國問題保險業之退場處理機制》,國立政治大學法學院在職專班碩士論文。
    林瑩姮(2004),《保險安定基金相關法律問題之研究》,國立政治大學風險管理與保險學系碩士論文。
    邱靜璇(2019),《台灣壽險業市場紀律與安定基金關係之研究》,朝陽科技大學保險金融管理系碩士論文。
    (四)網路資料
    中央存款保險股份有限公司,〈存款人權益保障〉,https://www.cdic.gov.tw/main_ch/docdetail.aspx?uid=33&pid=8&docid=9(最後瀏覽日期:2024年6月27日)。
    中時新聞網,國華產險前董事長王錦標掏空11億 更一審判10年6月,2021年7月7日,https://www.chinatimes.com/realtimenews/20210707003607-260402?chdtv(最後瀏覽日期:2024年6月26日)。
    金融監督管理委員會保險局,〈幸福人壽清理專區〉,https://www.ib.gov.tw/ch/home.jsp?id=230&parentpath=0,5(最後瀏覽日期:2021年2月7日)。
    金融監督管理委員會保險局,〈國華人壽清理專區〉,https://www.ib.gov.tw/ch/home.jsp?id=231&parentpath=0,5(最後瀏覽日期:2024年6月26日)。
    金融監督管理委員會保險局,〈國華產險清理專區〉,https://www.ib.gov.tw/ch/home.jsp?id=233&parentpath=0,5(最後瀏覽日期:2024年6月26日)。
    金融監督管理委員會保險局,〈國寶人壽清理專區〉,https://www.ib.gov.tw/ch/home.jsp?id=229&parentpath=0,5(最後瀏覽日期:2021年2月7日)。
    金融監督管理委員會,〈訂定「人身保險及財產保險安定基金計提標準」〉,https://www.fsc.gov.tw/ch/home.jsp?id=97&parentpath=0,2&mcustomize=multimessage_view.jsp&dataserno=201404020001&aplistdn=ou=bulletin,ou=multisite,ou=chinese,ou=ap_root,o=fsc,c=tw&toolsflag=Y&dtable=Bulletin(最後瀏覽日期:2024年6月27日)。
    財訊,金管會立院備詢 四家壽險淨值比拉警報 黃天牧要求限期改善,2020年5月21日,https://www.wealth.com.tw/home/articles/25798(最後瀏覽日期:2021年9月2日)。
    財團法人保險安定基金,〈沿革〉,https://www.tigf.org.tw/xmdoc/cont?xsmsid=0M077523457506787280(最後瀏覽日期:2024年6月26日)。
    財團法人保險安定基金,〈財團法人保險安定基金對人身保險業動用範圍及限額規定〉,https://www.tigf.org.tw/files/file_pool/1/0M088430642241525253/%E8%B2%A1%E5%9C%98%E6%B3%95%E4%BA%BA%E4%BF%9D%E9%9A%AA%E5%AE%89%E5%AE%9A%E5%9F%BA%EF%A4%8A%E5%B0%8D%E4%BA%BA%E8%BA%AB%E4%BF%9D%E9%9A%AA%E6%A5%AD%E5%8B%95%E7%94%A8%E7%AF%84%E5%9C%8D%E5%8F%8A%E9%99%90%E9%A1%8D%E8%A6%8F%E5%AE%9A.pdf(最後瀏覽日期:2024年6月27日)。
    財團法人保險安定基金,〈財團法人保險安定基金對財產保險業動用範圍及限額規定〉,https://www.tigf.org.tw/files/file_pool/1/0M088430641606656236/%E8%B2%A1%E5%9C%98%E6%B3%95%E4%BA%BA%E4%BF%9D%E9%9A%AA%E5%AE%89%E5%AE%9A%E5%9F%BA%E9%87%91%E5%B0%8D%E8%B2%A1%E7%94%A2%E4%BF%9D%E9%9A%AA%E6%A5%AD%E5%8B%95%E7%94%A8%E7%AF%84%E5%9C%8D%E5%8F%8A%E9%99%90%E9%A1%8D%E8%A6%8F%E5%AE%9A.pdf(最後瀏覽日期:2024年6月27日)。
    財團法人保險安定基金,〈董監事名冊〉,https://www.tigf.org.tw/xmdoc/cont?xsmsid=0M077530801030392863(最後瀏覽日期:2024年6月27日)。
    財團法人保險事業發展中心,〈國華清理專區〉,https://www.tii.org.tw/tii/information/information3/(最後瀏覽日期:2024年6月26日)。
    財團法人保險事業發展中心,〈華山清理專區〉,https://www.tii.org.tw/tii/information/information4/(最後瀏覽日期:2024年6月26日)。
    財團法人保險事業發展中心,〈2001年台灣壽險市場概況〉,https://www.tii.org.tw/tii/bulletin/pressRelease/000360.html(最後瀏覽日期:2021年2月4日)。
    財團法人保險事業發展中心,〈保險財務業務統計-人身保險業財務統計〉,https://www.tii.org.tw/tii/information/information1/000005.html(最後瀏覽日期:2024年6月26日)。
    財團法人保險事業發展中心,〈保險財務業務統計-財產保險業財務統計〉,https://www.tii.org.tw/tii/information/information1/000004.html(最後瀏覽日期:2024年6月26日)。
    新聞雲,國華人壽掏空案外案 前董座翁一銘死亡獲不起訴,2017年10月2日,https://www.ettoday.net/news/20171002/1023579.htm(最後瀏覽日期:2024年6月26日)。
    經濟日報,壽險去年11月賣股補獲利 趁行情大漲落實收益,2024年1月2日,https://money.udn.com/money/story/5613/7679509(最後瀏覽日期:2024年6月27日)。

    二、英文文獻
    (一)專書
    Rejda, George E. & McNamara, Michael J. (2017). Principles of Risk Management and Insurance, thirteenth edition. London: Pearson education.
    (二)期刊
    Aylward, Michael F. & Hummer, Paul M. (2003). When Insurers Go Belly Up: Implications for Insurers, Policyholders and Guaranty Funds It's Not Only the Insured Who Suffers When There Is an Insurer Insolvency; the Ripples May Cause Damage to Several Other Parties As Well, Defense Counsel Journal, 70, 448-466.
    Barger, Glenn T. & Tracy, Lisa M. (2005). The Impact of Disappearing Carriers on Construction Defect Litigation, Construction Lawyer, 25, 16-19.
    Barrese, Michael A. (2012). Not in the Fine Print: Recommended Changes to Life Insurance Policy Disclosures Regarding Retained Asset Accounts, Connecticut Insurance Law Journal, 18, 533-557.
    Berg, Howard M. (1992). Fundamentals of Insurance Insolvency Laws, Practical Lawyer, 38 ,45-60.
    Brink, Timothy W. & Litwin, Jordan M. (2014). How Attorneys Can Operate Effectively in Unfamiliar Territory, American Bankruptcy Institute Journal, 33, 50-112.
    Donatucci, Leo (2010). Federal Regulation of the Insurance Industry: One for All and All for Who? How Federal Regulation Would Help the Industry into the New Millennia, Rutgers Journal of Law & Public Policy, 7, 398–441.
    Gallanis, Peter G. (2011). The Life and Health Insurance Guaranty System, GPSolo, 28, 34-44.
    Gallanis, Peter G. (2011). The Life and Health Insurance Guaranty System How It Works to Protect Consumers-Even in Severe Economic Times ,Brief , 40, 10-13.
    Giesel, Grace M. (1991). A Proposal for A Tort Remedy for Insureds of Insolvent Insurers Against Brokers, Excess Insurers, Reinsurers, and the State, Ohio State Law Journal, 52, 1075-1130.
    Goddard, William (2004). The Revolution of the Times: Recent Changes in U. K. Insurance Insolvency Laws and the Implications of Those Changes Viewed from A U. S. Perspective, Connecticut Insurance Law Journal, 10, 139–170.
    Hayes, David (2012). Utilizing Solvency II to Improve Insurer Solvency Regulation in the United States, Journal of Transnational Law & Policy, 21, 243-266.
    J. Ernest Hartz, Jr. (1992). State Insurance Guaranty Associations the Time Has Come to Establish Uniform Ground Rules-or Prepare for Federal Involvement in Insurance Insolvency, Brief, 22, 20-46.
    Kress, Jeremy C. & McCoy, Patricia A. & Schwarcz, Daniel (2019). Regulating Entities and Activities: Complementary Approaches to Nonbank Systemic Risk, Southern California Law Review, 92, 1455-527.
    McCoy, Patricia A. (2015). Degrees of Intermediation, Wake Forest Law Review, 50, 551-578.
    McCoy, Patricia A. (2015). Systemic Risk Oversight and the Shifting Balance of State and Federal Authority over Insurance, UC Irvine Law Review, 5, 1389-441.
    Reeder, David M. (1987). The Administrative Expense Priority in Bankruptcy-A Survey, Drake Law Review, 36, 135-154.
    Roberts, Paul G. (1989). Insurance Company Insolvencies and Insurance Guaranty Funds: A Look at the Nonduplication of Recovery Clause, Iowa Law Review, 74, 927-950.
    Rubinstein, Karl L. (2004). The Legal Standing of an Insurance Insolvency Receiver: When the Shoe Doesn't Fit, Connecticut Insurance Law Journal, 10, 309-347.
    Schooner, Heidi Mandanis & Taylor, Michael (2003). United Kingdom and United States Responses to the Regulatory Challenges of Modern Financial Markets, Texas International Law Journal, 38, 317–345.
    Schwarcz, Daniel & Schwarcz, Steven L. (2014). Regulating Systemic Risk in Insurance, University of Chicago Law Review, 81, 1569-1639.
    Schwarcz, Daniel (2014). Transparently Opaque: Understanding the Lack of Transparency in Insurance Consumer Protection, UCLA Law Review, 61, 394-462.
    Semaya, Francine L. & Broudy, William K. (2010). A Primer on Insurance Receiverships, Brief, 40, 22-24.
    Walker, G.A. (2012). U.K. Regulatory Revision-A New Blueprint for Reform, International Lawyer, 46, 787-828
    Weber, Robert F. (2011). Combating the Teleological Drift of Life Insurance Solvency Regulation: The Case for A Meta-Risk Management Approach to Principles-Based Reserving, Berkeley Business Law Journal, 8, 35-115.
    (三)網路資料
    Annuity Advantage, https://www.annuityadvantage.com/resources/state-guaranty-associations/ (last visited Jun. 27, 2024).
    Bank of England, https://www.bankofengland.co.uk/knowledgebank/what-is-the-prudential-regulation-authority-pra (last visited Jun. 27, 2024).
    California Insurance Guarantee Association, https://www.ciga.org/about (last visited Jun. 27, 2024).
    California Life & Health Insurance Guarantee Association, https://www.califega.org/Receiverships (last visited Jun. 27 2024).
    Financial Services Compensation Scheme, https://www.fscs.org.uk/globalassets/pdfs/org-info/fscs-articles-of-association--15-february-2022.pdf (last visited Jun. 27, 2024).
    Financial Services Compensation Scheme, Terms of Reference Audit Committee, https://www.fscs.org.uk/globalassets/about-us/our-governance/committees/terms-of-reference---audit-committee-mar-24.pdf?_gl=1*101bk8m*_up*MQ..&gclid=Cj0KCQjwsuSzBhCLARIsAIcdLm42y4igAdOYq3zXGYKjm2z5-qByn14twClKtHUnmBoLDsjaygTyHMkaAhFfEALw_wcB&gclsrc=aw.ds (last visited Jun. 27, 2024).
    Financial Services Compensation Scheme, Terms of Reference Nomination and Governance Committee, https://www.fscs.org.uk/globalassets/about-us/our-governance/committees/terms-of-reference-nomination-committee-mar23.pdf?_gl=1*fh9ml0*_up*MQ..&gclid=Cj0KCQjwsuSzBhCLARIsAIcdLm42y4igAdOYq3zXGYKjm2z5-qByn14twClKtHUnmBoLDsjaygTyHMkaAhFfEALw_wcB&gclsrc=aw.ds (last visited Jun. 27, 2024).
    Financial Services Compensation Scheme, Terms of Reference Remuneration and People Committee, https://www.fscs.org.uk/globalassets/about-us/our-governance/committees/terms-of-reference---remuneration-and-people-committee-10-october-2023.pdf?_gl=1*1ct9zuj*_up*MQ..&gclid=Cj0KCQjwsuSzBhCLARIsAIcdLm42y4igAdOYq3zXGYKjm2z5-qByn14twClKtHUnmBoLDsjaygTyHMkaAhFfEALw_wcB&gclsrc=aw.ds (last visited Jun. 27, 2024).
    Financial Services Compensation Scheme, Terms of Reference Risk Committee, https://www.fscs.org.uk/globalassets/about-us/our-governance/committees/terms-of-reference---risk-committee-mar-24.pdf?_gl=1*tmhor6*_up*MQ..&gclid=Cj0KCQjwsuSzBhCLARIsAIcdLm42y4igAdOYq3zXGYKjm2z5-qByn14twClKtHUnmBoLDsjaygTyHMkaAhFfEALw_wcB&gclsrc=aw.ds (last visited Jun. 27, 2024).
    Florida Department of Financial Services, https://www.myfloridacfo.com/division/receiver/guide-to-the-receivership-process/floridainsuranceguarantyassociations (last visited Jun. 27, 2024).
    Florida Department of Financial Services, https://www.myfloridacfo.com/division/receiver (last visited Jun. 27, 2024).
    Florida Department of Financial Services, https://www.myfloridacfo.com/division/receiver/guide-to-the-receivership-process/summaryofrehabilitationunderchapter631partifloridastatutes (last visited Jun. 27, 2024).
    Florida Insurance Guaranty Association, https://figafacts.com/ (last visited Jun. 27, 2024).
    Florida Legislature, http://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0600-0699/0631/Sections/0631.56.html (last visited Jun. 27, 2024).
    Florida Life & Health Insurance Guaranty Association, https://www.flahiga.org/About (last visited Jun. 27, 2024).
    International Association of Insurance Supervisors, Insurance Core Principles and Common Framework for the Supervision of Internationally Active Insurance Groups (Nov. 2019), https://www.ib.gov.tw/userfiles/file/2019%E5%B9%B4%E7%89%88%E6%9C%AC%E5%9C%8B%E9%9A%9B%E4%BF%9D%E9%9A%AA%E7%9B%A3%E7%90%86%E5%AE%98%E5%8D%94%E6%9C%83(IAIS)%E4%BF%9D%E9%9A%AA%E6%A0%B8%E5%BF%83%E5%8E%9F%E5%89%87(ICP)(1).pdf (last visited Jun. 27, 2024).
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    Washington State Legislature, https://app.leg.wa.gov/rcw/default.aspx?cite=48.32A.185 (last visited Jun. 27, 2024).
    Description: 碩士
    國立政治大學
    風險管理與保險學系
    111358002
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0111358002
    Data Type: thesis
    Appears in Collections:[風險管理與保險學系] 學位論文

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