法學期刊
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論著名稱:
關於金融消費者保護法中「適合性原則」之再反思(Reonsideration on the "Principle of Suitability" in the law of Financial Consumer)
文獻引用
編著譯者: 杜怡靜
出版日期: 2019.03.15
刊登出處: 台灣/月旦法學雜誌第 287 期/22-42 頁
頁  數: 20 點閱次數: 1468
下載點數: 80 點 銷售明細: 權利金查詢 變更售價
授 權 者: 杜怡靜
關 鍵 詞: 適合性金融商品消費者高齡者說明義務
中文摘要: 英美日等先進國關於適合性原則之立法意旨,早期係為了保護金融商品之投資人而設。近年來市場各種交易千變萬化,資訊落差之現象更形嚴重,享有資訊優勢之業者,藉此進行不當銷售之現象亦時有所聞。包含我國,現在適合性原則巳經成為各國在金融交易中,對業者行為的普遍性規範。日本在適合性理論之發展,從狹隘的「排除理論」,轉為由資訊提供治癒其不適合,使其成為適合者的支援理論。適合性的判斷,依據日本學說的分析,除了 KYC 以外,結合投資人或消費者主觀意思配合客觀要件,以誠信原則為主軸,靈活加以判斷。在支援自我意思決定權之前提下,日本法的適合性原則所保護之對象,無論是一般人或高齡者;自然人或法人,均配合說明義務,對想要進行投資的人提供適合的資訊,進行適合的推介行為。因此日本法在適合性原則之運用與發展頗值得我國法加以深思。
英文關鍵詞: SuitabilityFinancial ProductConsumerElderObligation to Explain
英文摘要: The legislative intent of advanced countries such as English, American and Japanese on the principle of suitability was set up early to protect investors in financial commodities. In recent years, the market transactions are ever-changing, the phenomenon of information drop is more serious, enjoy the advantage of information operators, through the phenomenon of improper sales also heard. Contains our country, now the principle of suitability has become a universal norm of the behavior of all countries in financial transactions.Japan in the development of the theory of suitability, from the narrow "exclusion theory", to the information to provide a cure for its unsuitable, so that it becomes the appropriate support theory. The judgment of suitability, according to the analysis of Japanese theory, in addition to KYC, combined with the subjective meaning of investors or consumers with the objective elements, with the principle of good faith as the main axis, flexible to judge. On the premise of supporting the decision of self-meaning, the object of suitability of Japanese law, whether ordinary or elderly, and natural or legal persons, cooperate with the statement of obligation, provide suitable information to those who want to invest, and carry out suitable promotion behavior. Therefore, the application and development of Japanese law in the principle of suitability is worthy of our country's law to ponder.
目  次: 壹、前言
貳、在日本關於適合性原則之運用
參、我國適合性原則適用之檢討
肆、對我國法之啟發
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相關論著:
杜怡靜,關於金融消費者保護法中「適合性原則」之再反思,月旦法學雜誌,第 287 期,22-42 頁,2019年03月15日。
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