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Title:	論公平待客原則制度之最新發展－以英國新消費者責任原則與新加坡公平交易指南為中心 Recent Developments in the Fair Treatment of Customer - Centered on the UK`s New Consumer Duty and Singapore`s Guidelines on Fair Dealing
Authors:	陳思岑 Chen, Szu-Tsen
Contributors:	陳俊元 Chen, Chun-Yuan 陳思岑 Chen, Szu-Tsen
Keywords:	公平待客原則金融消費者保護金融消費者保護法英國新消費者責任原則新加坡公平交易指南結果監理 Fair Treatment of Customer Financial Consumer Protection Financial Consumer Protection Law UK’s New Consumer Duty Singapore`s Guidelines on Fair Dealing Outcome-Based Regulation
Date:	2023
Issue Date:	2023-08-02 14:23:15 (UTC+8)
Abstract:	金融消費者保護乃為金融危機後各國政府、金融監理機關、國際組織、非政府組織、消費者本身最注重之議題。為重建當時金融消費者對金融市場的信心，並促進健全的金融生態圈發展，各國政府與金融監理機關認為其首要目標係應完善金融消費者保護之立法架構，因此陸續頒布金融消費者保護法，同時成立金融消費評議中心，期望透過立法與設立公平合理的申訴管道，來積極保障消費者權益。而「公平待客」觀念即從金融消費者保護中興起，且逐年受到全球金融市場與監理機關的重視，並接續就該理念訂定相關政策措施，期盼金融機構能具體落實，作為保護消費者的概念與方式之一。我國為接軌國際及提升對金融消費者的保護層級，遂於2010年公布金融消費者保護法，並於2015年納入公平待客原則作為業者實務作業時的參考指引，期望金融機構藉由內部文化的建立達成該制度的目標。其後，主管機關更導入對該制度的評核機制，為現行金融檢查項目之一，因此金融機構的實施好壞可直接影響其聲譽。然而，主管機關引進公平待客制度雖立意良善，惟其規範、措施內容、法律定位與政策施行方式仍引發不少質疑，加上金融市場弊案仍不斷發生，顯現在公平待客原則性監理目標下，金融機構並未善盡自我監理效力。本文將圍繞探討公平待客制度面的缺失，並參酌英國及新加坡監理機關對該議題之政策訂定方式、內容、監理態度與發展方向等，以比較法研究及分析各國制度間差異，最終提出對我國政策建議及未來可研擬修正的方向，希冀本文能作為公平待客政策改革的參考資源。 Financial consumer protection is a top priority for governments, financial regulators, international organizations, non-governmental organizations, and consumers following the financial crisis. To rebuild consumer confidence and foster a stable financial ecosystem, governments and regulators focus on improving the legislative framework for financial consumer protection. They enact laws, establish financial ombudsman institutions, and promote fair treatment of customers through legislation and transparent complaint procedures. The concept of fair treatment has gained global attention, leading to the formulation of relevant policies and measures by financial institutions. Our supervisory authority implemented the Financial Consumer Protection Law in 2010, incorporating the fair treatment of customer principle as a practice guideline in 2015. Financial institutions are expected to adopt this principle internally to achieve system objectives. The authority evaluates institutions` implementation, impacting their reputation. However, questions remain regarding the measures, legal positions, and policy practices of the fair treatment system. This paper focuses on these issues, analyzing the policies and approaches of regulatory authorities in the UK and Singapore. By comparing their systems, the paper aims to propose policy recommendations and future directions for fair treatment of customer reforms, serving as a reference resource.
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PwC, A higher standard of customer protection,https://www.pwc.co.uk/industries/financial-services/understanding- regulatory-developments/fca-proposes-new-consumer-duty-in-paradigm-shift- for-firms.html 26. The telemarketing company, What does the new FCA Consumer Duty mean for your business?, https://ttmc.co.uk/knowledge/articles/what-does-the-new-fca- consumer-duty-mean-for-your-business
Description:	碩士國立政治大學風險管理與保險學系 110358005
Source URI:	http://thesis.lib.nccu.edu.tw/record/#G0110358005
Data Type:	thesis
Appears in Collections:	[Department of Risk Management and Insurance] Theses

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