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題名 | 由比較法觀點論金融機構客戶之分類=Classification of Clients of Financial Firms: From Comparative Law Perspective |
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作者 | 陳肇鴻; Chen, Chao-hung; |
期刊 | 軍法專刊 |
出版日期 | 20100800 |
卷期 | 56:4 2010.08[民99.08] |
頁次 | 頁78-100 |
分類號 | 562.29 |
語文 | chi |
關鍵詞 | 金融服務; 金融機構; 客戶; 客戶分類; 消費者; 行為規範; Financial services; Client; Client classification; Consumer; Conduct of business; |
中文摘要 | 本文之目的,係由比較法之面向,來檢討我國現行對金融機構之客戶之分類之規定。由比較法之立場,在比較及檢討歐盟、英國、美國、香港及新加坡之相關規定之後,綜觀我國現行法之規定,有幾點值得更進一步思考:其一,我國現行法之規範層級及層面相較於外國法仍過於狹礙。其次,就分類的標準方面,除總資產外,值得引入其他概念以作為「大型事業」以補充標準。其三,我國現行法未更進一步涵蓋非法人之營利組織,以及未思考適用至非營利法人之適當性,值得將來予以檢討,以利將來建構更完整之金融機構行為規範。 |
英文摘要 | A the purpose of this article is to examine current regulations under Taiwan law with regard to classification of clients of financial firms in Taiwan from the perspective of comparative law. After comparing with relevant laws in the EU, UK, USA, Hong Kong, and Singapore, this article argues that there are certain points worth further consideration and revision under Taiwan law: first, the level of current regulation in Taiwan and its scope are rather limited compared with foreign laws; secondly, it is necessary to introduce other standards than mere 'total assets' in order to determine a 'large' enterprise; and thirdly, current Taiwan law fails to cover unincorporated business undertakings and arguably stretch too far for non-business entities. These points worth legislators and regulators to consider in the future to complete conduct of business rules for financial firms in Taiwan. |
本系統之摘要資訊系依該期刊論文摘要之資訊為主。