保險經營與制度

作者:彭金隆(Jin-Lung Peng)黃愉婷(Yu-Ting Huang)

銀行保險業務適用金融消費者保護法相關問題之探討 When Bancassurance meets the Financial Consumer Protection Act in Taiwan

摘要
  我國銀行保險業務蓬勃發展,2009年更躍居壽險市場行銷通路之首,本文逐一檢視2012年施行的金融消保法,對從事銀行保險業務之保險公司及銀行保經代公司之影響與法規適用問題。在廣告業務招攬及營業促銷活動規範方面,由於與保險公司現有規範相似而影響有限,但對銀行保經代則會有較高調整成本。於說明義務以及適合度規定上,金融消保法之施行會影響一般保險商品的銷售。另金融消保法採分業監理,未符我國金融整合趨勢,導致銀行保險業務中的銀行並非責任主體,應予以正視。
關鍵詞:銀行保險、金融消費者保護法
Abstract
  This article tries to exam the impact of the Financial Consumer Protection Act (FCPA) to bancassurance. We find that new advertisement rules of FCPA have more impact to the agents/brokers than insurance companies. The new suitability rules will affect the marketing process of traditional insurance products. FCPA adopted separated regulation framework and seem to be inconsistent with the trend of financial consolidation in Taiwan.
Keywords: bancassurance, financial consumer protection act
  • 12-1-05彭金隆、黃愉婷0122.pdf購買
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