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    题名: 投資型保險之法律規範及其監理之研究
    其它题名: Studies on the Legal Issues and Regulation of Investment Products of Life Insurance
    作者: 張冠群
    贡献者: 國立政治大學法律學系
    行政院國家科學委員會
    关键词: 經濟;投資型保險;法律;監理
    日期: 2008
    上传时间: 2012-11-26 09:36:07 (UTC+8)
    摘要: 隨全球金融商品之界線漸趨模糊且替代性日增之趨勢，傳統上被視為風險管理工具之保險，亦未於此一潮流中缺席。投資型保險之方興未艾，係保險商品於此一金融整合與創新潮流中之代表性產物。投資型保險於我國之市場佔有率亦逐年攀升。惟市場佔有率之增加卻未令規範該商品之相關法規與監理制度之與時俱進。以2001年修正公佈之保險法第126條及2007年修正之保險法第146條與「投資型保險投資管理辦法」、「人身保險商品審查應注意事項」及「投資型保險資訊揭露應遵循事項」等三行政命令構築之投資型保險商品監理法規系統，是否足應監理之所需，不無疑義。此些疑議，皆因對投資型保險中專以投資為目的之「分離帳戶」定性不清而起。本研究擬透過「比較法研究」及「問題解決導向」二主要研究方法。考察投資型保險發源及蓬勃之荷蘭、英國及美國對投資型保險規範之相關法律，比較各國制度之差異與優劣。並就我國現行法規存在之問題為詳察；次就各該問題於所研究之他國制度中，找尋一至數個可行之解決之道；最末，配合我國現行投資型保險之商品內容與市場實況，於數可選擇之方案中，擇於吾國最適採取者，提出立法建言。本研究之目標即在對國內投資型保險商品相關法規之修正提出具體建議。故本研究乃實用性之作，對國內監理體系之建立，應可有一定程度之貢獻。
    As the clear line between financial products has been eroded by the interchangeable nature of different financial products, variable life insurance, universal life insurance and universal variable life insurance are products innovated by the insurance industries to respond to this emerging trend. Investment Products of Insurance were first approved in Taiwan in the year of 2001 and soon share a substantial portion of the life insurance market. Yet the vigorous growth of such product did not stimulate the reform of related laws and regulations with respect to the supervision of such products. The major problem of present laws and regulations with regard to the supervision of investment products of insurance caused mainly from the wrongful identification on the nature and character of such product. Therefore, this research with the adoption of the method of comparative legal studies as well as the “creative problem solving method”, attempts to endow the investment products of insurance a clearer legal identity in Taiwan and ultimately to propose a draft for the amendment of related laws of regulation.
    關聯: 基礎研究
    學術補助
    研究期間:9708~ 9807
    研究經費:368仟元
    数据类型: report
    显示于类别:[法律學系] 國科會研究計畫

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