查詢結果分析
來源資料
頁籤選單縮合
題名 | 論機器人投資顧問之興起與投資人之保護--以美國法為中心=The Rise of Robo-advisors and the Protection of Investors--An Analysis Based on the Law and Experience in the U.S. |
---|---|
作者 | 周振鋒; Chou, Cheng-fong; |
期刊 | 東吳法律學報 |
出版日期 | 20190400 |
卷期 | 30:4 2019.04[民108.04] |
頁次 | 頁69-107 |
分類號 | 563.5 |
語文 | chi |
關鍵詞 | 機器人投資顧問; 金融科技; 證券投資信託及顧問法; 適合性義務; 揭露義務; 利益衝突; 受任人義務; Robo-advisors; FinTech; Securities Investment Trust and Consulting Act; Suitability duty; Duty to disclose; Conflict of interest; Fiduciary duty; |
中文摘要 | 機器人投資顧問係指一種網路投資平台或設計,藉線上問卷方式由投資人自行輸入資料,進而利用演算法與資產配置模型分析,建議投資人合適的證券投資標的與組合,自動將客戶資金配置於其所建議之投資組合,並持續管理帳戶資產,服務提供過程中極少或全無人類涉入。此種新興產業對傳統的投資建議傳送模式已造成相當大衝擊。但由於服務過程中全無或極少人力參與,是否能在既有以人為規範對象之法規妥適地經營,即產生不少疑問。本文擬研析美國法下實務發展經驗與學術討論,深入了解機器人投資顧問所面臨之運作與法規挑戰,同時藉此探討我國機器人投資顧問發展與管制之可能方向。 |
英文摘要 | Robo-advisors operate in a digital platform or device using online algorithmic-based programs to provide asset management services by generating a portfolio for the client and subsequently managing the client's account. Many robo-advisors provide investment advice directly to the client with limited direct human interaction or even without any human intervention. This might be a question for robo-advisors how and whether they discharge their duties owed to their clients under the existing body of regulations. This Article is expected to have a comprehensive analysis of robo-advisors based on the experience and law in the U.S. and to provide some insights into possible policy about how to regulate Taiwan's robo-advisors in the future. |
本系統之摘要資訊系依該期刊論文摘要之資訊為主。