The Study of Insurance Consumer Dispute Resolution System － Comment Financial Consumer Protection Act

• Main Authors: Lien - Hsing Lee, 李聯興
• Other Authors: Shuh-Yuan Liao
• Format: Others
• Language: zh-TW
• Published: 2015
• Online Access: http://ndltd.ncl.edu.tw/handle/2d25n3

碩士 === 淡江大學 === 保險學系保險經營碩士在職專班 === 103 === The global financial trunami in 2008 triggered the nationalwise conflicts and disputes between the consumers and financial & banking industries.For protecting the consumers, The Financial Consumer Protect Act had been legislated in 2011, and announced to implement as well in the same year. Financial Consumer Protect Act has authorized to establish the Financial ombussman institution for conducting and dealing with those conflicts and disputes due to financial & banking business, and started to operate on Jan. 2, 2012. Financial Consumer Protect Act has been consisted of 4 chapters, which are the difinition of financial & banking industries, the protection for concumers, the structures of this institution and the attachments of it. Meanwhile the institution has been conducting those business disputes caused by banking, insurance, bonds and e-ticket trade, in which the disputes in insurance industry have occupied the 80% share. The structures of FOS organization and its practices to dealing with those disputes, which was found by FSMA2000, regulating the Financial Service and Market in Britain in year 2000 . The U.S NAIC, consisted of the insurance inspection representatives of each state with the principle of federal negotiation, and independent inspection by state, which was targeting the califonia insurance inspection institution as the sample to analyze the disputes conducting practices. The Japan Financial Instruments and Exchange Act amendments in 2009 , which regulates the conducting procedure of disputes and appointing the institution, in which the insurance circular was also amended accordingly to ascertain the principle for dealing with insurance disputes. The features and analysis of our Financial ombudsman institution have been concentrating on protecting the consumers of goodwill, meanwhile, as well as the interest of overall consumers to ascertain the system of conducting disputes and development of insurance market.