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    題名: 從連動債糾紛探討銀行財富管理業務
    A review of structured note investment disputes - impact on the bank wealth management business
    作者: 袁美華
    Yuan, Mei Hwa
    貢獻者: 吳文傑
    Wu, Jack
    袁美華
    Yuan, Mei Hwa
    關鍵詞: 連動債
    銀行
    財富管理
    日期: 2010
    上傳時間: 2011-10-05 14:34:26 (UTC+8)
    摘要: Wealth Management Business had become a popular business sector to the Taiwan Financial Institution in recent year. The Law governing Bank Conducting Wealth Management Business and Operating Guidelines were promulgated by Financial Supervisory Commission in year 2005, since then most of the Bank in Taiwan stepped into the wealth management business categories and commence to provide wealth management services to their customer.

    Through the wealth management services and trust platform channel, foreign Structured Note products were largely introduced by Investment Bank through Banks in local to their wealth management customers or even non-wealth management customers in year 2006. The broke out of the European financial tsunami, primarily the sub-prime issues in the United States, the announcement of the bankruptcy of Leman Brothers aroused the Structured Note Investment disputes in local financial market.

    The disputes in Structured Note Investment had roused high attention of the local regulators as the numbers of customer complaints received by FSC were more than ten thousands in year 2007 and 2008. Bank in Local were forced by public and local governing regulators to settle the disputes with customers. Eventually banks were ban by local regulators to cease foreign structured notes transactions in mid of 2009 and the Bank wealth-management business has slumped since then and impact directly to the performance of the Bank Wealth Management Business.

    The objective of the thesis is to focus on the analysis of the Structured Notes disputes and from the studies of the types of disputes models, we will further conduct a review on regulatory trends on the governing of the relevant business and hopefully, we aim to provide some of the recommendation on the ways that Bank may adopt for its Wealth Management Business for the selling of the investment products, in particularly on the Structured Investment Products in the future.
    參考文獻: 1. Subprime Mortgage Crisis (visited 28 December 2010) <http://en.wikipedia.org/wiki/Subprime_mortgage_crisis>
    2. Late 2000s recession Financial Crisis 2008 (visited 28 December 2010) <http://en.wikipedia.org/wiki/Late-2000s_recession>
    3. Bankruptcy of Lehman Brothers (visited 28 December 2010) <http://en.wikipedia.org/wiki/Bankruptcy_of_Lehman_Brothers>
    4. Wealth Management (visited 28 December 2010) <http://en.wikipedia.org/wiki/Wealth_management>
    5. 銀行辦理財富管理注意事項 (visited 30 May 2011)
    <http://law.banking.gov.tw/Eng/FLAW/FLAWDAT0202.asp>
    6. 銀行辦理財富管理業務作業準則 (visited 30 May 2011)
    <http://law.banking.gov.tw/Chi/FINT/FINTQRY04.asp?N2=&sdate=&edate=&keyword=%B0%5D%B4I%BA%DE%B2z&datatype=etype&typeid=*&page=1&recordNo=6>
    7. 信託業辦理特定金錢信託投資國外有價證券業務應遵守事項 (visited 30 May 2011)
    <http://law.banking.gov.tw/Chi/FINT/FINTQRY04.asp?N2=&sdate=&edate=&keyword=%AFS%A9w%AA%F7%BF%FA%ABH%B0U&datatype=etype&typeid=*&page=1&recordNo=7>
    8. Citi Private Bank (visited 22 June 2011)
    <https://www.privatebank.citibank.com/cpb/cwslogin/external/publicsite/!ut/p/c5/04_SB8K8xLLM9MSSzPy8xBz9CP0os3hjl2AXZzcPIwOLMH8TA0_H4DAnQ09_QwMDA_1wkA6zeAMcwNFA388jPzdVvyA7rxwAZtTjZg!!/dl3/d3/L2dBISEvZ0FBIS9nQSEh/>
    9. Structured Note (visited 30 May 2011) < http://en.wikipedia.org/wiki/Structured_note>
    10. Guidelines for Bank Conducting Financial Derivatives Businesses (visited 30 May 2011)<http://law.banking.gov.tw/Eng/FLAW/FLAWDAT0202.asp>
    11. MAS Monetary Authority of Singapore. The Association of Banks in Singapore (last modified 11 February 2010) Making Sense of Structured Notes( last modified 11 February 2010) 1,3-7 <http://www.moneysense.gov.sg/resource/publications/guides_publications/MakingSENSEStructuredNotes.pdf>
    12. 銀行銷售雷曼兄弟發行之連動債商品，有關投資人權益問答集(visited 30 May 2011) <http://www.banking.gov.tw/Layout/main_ch/News_NewsContent.aspx?
    NewsID=19236&path=2995&LanguageType=1>
    13. 行政院監督管理委員會銀行局網站 銀行公會雷曼兄弟連動債爭議處理態樣 (visited June 2011) <http://www.banking.gov.tw/Layout/main_ch/
    News_NewsContent.aspx?NewsID=21585&path=2995&LanguageType=1>
    14. 司法院法學資料檢索系統臺灣高等法院 裁判書 民事類，臺灣高等法院民事判決98年度上易字第299號 民國99年1月<http://jirs.judicial.gov.tw/Index.htm>
    15. Trust Enterprise Act ( Modified 16 January 2008 ) <http://law.banking.gov.tw/Eng/FLAW/FLAWDAT0201.asp>
    16. Civil Code (Modified 26 May 2010) <http://db.lawbank.com.tw/Eng/FLAW/FLAWDAT0201.asp>
    17. 陸倩瑤、孫中英，「雷曼兄弟連動債 銀行須幫客戶求償」聯合報，台北報導，民國九十七年九月十八日
    18. 司法院法學資料檢索系統臺灣高等法院 裁判書 民事類，臺灣高等法院民事判決99年度重上字第45號 民國99年11月23日<http://jirs.judicial.gov.tw/Index.htm>
    19. 司法院法學資料檢索系統臺灣高等法院 裁判書 民事類，臺灣桃園地方法院民事判決99年度重訴字第236號 民國100年3月10日<http://jirs.judicial.gov.tw/Index.htm>
    20. MAS Monetary Authority of Singapore, 7 July 2009. Investigation Report on the Sale and Marketing of Structured Notes linked to Lehman Brothers ii, 22-27, 30-37
    21. 何慶媛 中國信託商業銀行「銀行如何落實有關金融商品投資人保護」「金融海嘯後如何加強銀行銷售金融商品投資人與金融服務消費者保護」座談會 民國九十九年九月二十八日
    22. 胡醒賢 花旗(台灣)商業銀行 金融商品包裝銷售之消費者保護實務「金融海嘯後如何加強銀行銷售金融商品投資人與金融服務消費者保護」座談會 民國九十九年九月二十八日
    23. Taiwan Depository & Clearing Corporation, 2010.04. Newsletter Issue 127
    24. 11王立群 金管會銀行局 金融海嘯後強化商品銷售所定規範「金融海嘯後如何加強銀行銷售金融商品投資人與金融服務消費者保護」座談會 民國九十九年九月二十八日
    25. 金融研究發展基金管理委員會 「金融海嘯後如何加強銀行銷售金融商品投資人與金融服務消費者保護」座談會 前言 民國九十九年九月二十八日
    26. MAS Monetary Authority of Singapore, February 2008 Consultation Paper, Proposed Guideline on Fair Dealing-Board and Senior Management For Delivering Fair Dealing Outcome To Consumer
    27. 金融法規全文檢索查詢系統 行政院金融監督管理委員會銀行局信託業營運範圍受益權轉讓限制風險揭露及行銷訂約管理辦法( last modified 17 February 2011) <http://law.banking.gov.tw/Eng/FLAW/FLAWDAT01.asp?lsid=FL046790>
    28. 金融法規全文檢索查詢系統 行政院金融監督管理委員會銀行局 銀行辦理衍生性金融商品業務應注意事項(last Modified 2009.12.31) <http://law.banking.gov.tw/Eng/FLAW/FLAWDAT01.asp?lsid=FL006459>
    29. 法源法律網 銀行辦理衍生性金融商品自律規範 BA ( last modified 16 December 2010) <http://db.lawbank.com.tw/FLAW/FLAWDAT01.asp?lsid=FL057252>nnn
    30. 行政院監督管理委員會銀行局 新聞稿 立法院三讀通過金融消費者保護法 民國100年6月3日
    描述: 碩士
    國立政治大學
    國際經營管理英語碩士學位學程(IMBA)
    93933015
    99
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G0093933015
    資料類型: thesis
    顯示於類別:[國際經營管理英語碩士學程IMBA] 學位論文

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