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題名 論公平待客原則制度之最新發展－以英國新消費者責任原則與新加坡公平交易指南為中心
Recent Developments in the Fair Treatment of Customer - Centered on the UK`s New Consumer Duty and Singapore`s Guidelines on Fair Dealing
作者 陳思岑
Chen, Szu-Tsen
貢獻者 陳俊元
Chen, Chun-Yuan
陳思岑
Chen, Szu-Tsen
關鍵詞 公平待客原則
金融消費者保護
金融消費者保護法
英國新消費者責任原則
新加坡公平交易指南
結果監理
Fair Treatment of Customer
Financial Consumer Protection
Financial Consumer Protection Law
UK’s New Consumer Duty
Singapore`s Guidelines on Fair Dealing
Outcome-Based Regulation
日期 2023
上傳時間 2-Aug-2023 14:23:15 (UTC+8)
摘要 金融消費者保護乃為金融危機後各國政府、金融監理機關、國際組織、非政府組織、消費者本身最注重之議題。為重建當時金融消費者對金融市場的信心，並促進健全的金融生態圈發展，各國政府與金融監理機關認為其首要目標係應完善金融消費者保護之立法架構，因此陸續頒布金融消費者保護法，同時成立金融消費評議中心，期望透過立法與設立公平合理的申訴管道，來積極保障消費者權益。而「公平待客」觀念即從金融消費者保護中興起，且逐年受到全球金融市場與監理機關的重視，並接續就該理念訂定相關政策措施，期盼金融機構能具體落實，作為保護消費者的概念與方式之一。
我國為接軌國際及提升對金融消費者的保護層級，遂於2010年公布金融消費者保護法，並於2015年納入公平待客原則作為業者實務作業時的參考指引，期望金融機構藉由內部文化的建立達成該制度的目標。其後，主管機關更導入對該制度的評核機制，為現行金融檢查項目之一，因此金融機構的實施好壞可直接影響其聲譽。然而，主管機關引進公平待客制度雖立意良善，惟其規範、措施內容、法律定位與政策施行方式仍引發不少質疑，加上金融市場弊案仍不斷發生，顯現在公平待客原則性監理目標下，金融機構並未善盡自我監理效力。本文將圍繞探討公平待客制度面的缺失，並參酌英國及新加坡監理機關對該議題之政策訂定方式、內容、監理態度與發展方向等，以比較法研究及分析各國制度間差異，最終提出對我國政策建議及未來可研擬修正的方向，希冀本文能作為公平待客政策改革的參考資源。
Financial consumer protection is a top priority for governments, financial regulators, international organizations, non-governmental organizations, and consumers following the financial crisis. To rebuild consumer confidence and foster a stable financial ecosystem, governments and regulators focus on improving the legislative framework for financial consumer protection. They enact laws, establish financial ombudsman institutions, and promote fair treatment of customers through legislation and transparent complaint procedures.
The concept of fair treatment has gained global attention, leading to the formulation of relevant policies and measures by financial institutions. Our supervisory authority implemented the Financial Consumer Protection Law in 2010, incorporating the fair treatment of customer principle as a practice guideline in 2015. Financial institutions are expected to adopt this principle internally to achieve system objectives. The authority evaluates institutions` implementation, impacting their reputation.
However, questions remain regarding the measures, legal positions, and policy practices of the fair treatment system. This paper focuses on these issues, analyzing the policies and approaches of regulatory authorities in the UK and Singapore. By comparing their systems, the paper aims to propose policy recommendations and future directions for fair treatment of customer reforms, serving as a reference resource.
參考文獻 一、中文文獻 (一) 期刊
第七章 參考文獻
1. 何曜琛(2022)，金融消費者保護法下公平待客原則之射程範圍，當代法律， 第 8 期。
2. 李志峰(2016)，公平合理原則對於金融消費審查制度所扮演的角色-以澳 大利亞金融審查制度為核心，東吳法律學報，第 28 卷第 1 期。
3. 李虹翎、陳俊元(2021)，初探公平待客原則-兼論我國實務之發展，壽險 管理期刊，第 34 卷第 5 期。
4. 汪信君(2023)，公平待客原則與保險監理-以金融弱勢之保護為中心，月 旦法學雜誌，第 335 號。
5. 汪信君(2023)，公平待客原則與保險監理-以金融弱勢保護為中心，月旦 法學雜誌，第 335 期。
6. 沈大白、黃追(2022)，不當行為之代價-從公平待客談起，《會計研究月刊》， 第 436 期。
7. 沈大白、黃追(2022)，金融業公平待客之發展現況，會計研究月刊，第 442 期。
8. 卓俊雄、曾耀鋒(2014)，房貸壽險實務運作與相關法律問題之探討，保險 法論著選集:當代重要議題評析(一)。
9. 郭大維(2006)，英國監理機制之探討，證券暨期貨月刊，第 24 卷第 4 期。
10. 陳俊元、朱勗華、廖晨旭、賴彥傑(2021)，金融消費者保護中公平合理原
則法律實證研究，東吳法律學報，第 23 卷第 4 期。
11. 陳美菊(2009)，全球金融危機之成因、影響及因應，《經濟研究年刊》第 9
期。
12. 陳鴻文、林英星(2017)，類全委投資型保單績效之影響因素分析，華人經
濟研究第二期。
13. 黃追(2023)，從金融裁罰與損失事件看金融業公平待客及內部控制之重要
性，內部稽核第 120 期。
14. 葉啟洲(2022)，防疫保單的投保與拒保爭議，當代法律，第 7 期。
15. 葉啟洲(2022)，防疫保險與情勢變更原則，月旦醫事法報告第 72 號。
16. 葉啟洲(2023)，保險消費者保護與公司治理-公平待客原則與其界限，臺
灣財經法學論叢，第 5 卷第 1 期。
17. 羅俊瑋(2020)，原則性之金融監理措施:公平待客原則之探討-以英國制
度為參考，壽險管理期刊，第 33 卷第 6 期。
(二) 學位論文
1. 許嘉竣(2022)，公平待客原則於投資型保險契約適用之研究，國立中正大 學財經法律學研究所碩士在職專班學位論文。
(三) 政府報告
1. 金融監督管理委員會，金融監督管理委員會與財團法人金融消費評議中心
共同舉辦「金融服務業公平待客原則研討會暨簽署儀式」新聞稿，取自:
https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news
_view.jsp&dataserno=201511160002&dtable=News。
2. 金融監督管理委員會，金融服務業公平待客原則 104 年 12 月 31 日，取自:
https://law.fsc.gov.tw/LawContentHistory.aspx?hid=841 。
3. 金管會，金管會公布 112 年金融服務業公平待客原則評核內容，
https://www.fsc.gov.tw/ch/home.jsp?id=2&parentpath=0&mcustomize=news_vi
ew.jsp&dataserno=202112300001&dtable=News
4. 參金融監督管理委員會 2022 年 1 月 5 日新聞稿， https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news _view.jsp&dataserno=202301050005&dtable=News 。
5. 參金融機端管理委員會 2022 年 7 月 14 日金管會公布 111 年公平待客原則 評核結果新聞稿， https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news _view.jsp&dataserno=202207140003&dtable=News 。
6. 中央銀行考察報告，英國監理制度之改革，取自: https://report.nat.gov.tw/ReportFront/ReportDetail/detail?sysId=C10203231。
(四) 網路資料
1. 經濟日報，類全委保單規範 業者有異見，
https://money.udn.com/money/story/5613/6998556
2. Yahoo 新聞，躲過防疫理賠風暴!台產全年稅前獲利創 5 年新高 第一保也
是倖存者，
https://tw.news.yahoo.com/news/%E8%BA%B2%E9%81%8E%E9%98%B2%E 7%96%AB%E7%90%86%E8%B3%A0%E9%A2%A8%E6%9A%B4- %E5%8F%B0%E7%94%A2%E5%85%A8%E5%B9%B4%E7%A8%85%E5%8 9%8D%E7%8D%B2%E5%88%A9%E5%89%B55%E5%B9%B4%E6%96%B0 %E9%AB%98-%E7%AC%AC- %E4%BF%9D%E4%B9%9F%E6%98%AF%E5%80%96%E5%AD%98%E8% 80%85-065952761.html
3. Yahoo 新聞，6 家保險公司賣防疫保單遭金管會罰 180 萬 商品風險評估成 重要課題，https://tw.news.yahoo.com/6%E5%AE%B6%E4%BF%9D%E9%9A%AA%E5 %85%AC%E5%8F%B8%E8%B3%A3%E9%98%B2%E7%96%AB%E9%9A% AA%E9%81%AD%E9%87%91%E7%AE%A1%E6%9C%83%E7%BD%B018 0%E8%90%AC- %E5%95%86%E5%93%81%E9%A2%A8%E9%9A%AA%E8%A9%95%E4% BC%B0%E6%88%90%E9%87%8D%E8%A6%81%E8%AA%B2%E9%A1%8 C-104430190.html
4. 時報資訊，《各報要聞》新冠輕症 3 月 20 日起防疫險不理賠， https://tw.stock.yahoo.com/news/%E5%90%84%E5%A0%B1%E8%A6%81%E 8%81%9E-%E6%96%B0%E5%86%A0%E8%BC%95%E7%97%87- 3%E6%9C%8820%E6%97%A5%E8%B5%B7%E9%98%B2%E7%96%AB%E 9%9A%AA%E4%B8%8D%E7%90%86%E8%B3%A0-011219547.html
5. 經濟日報，防疫險去年理賠逾 2116 億， https://money.udn.com/money/story/12926/6884967
6. 參金融監督管理委員會新聞稿，6 家保險公司辦理防疫商品違反保險法令 裁罰案，
https://www.ib.gov.tw/ch/home.jsp?id=239&parentpath=0,2,238&mcustomize=n
ews_view.jsp&dataserno=202301170001&dtable=News。
7. 理財學伴，辦理房貸時，要醫病投保房貸壽險嗎?哪些族群可以省下這個
錢?，
https://moneymate.space/%E6%88%BF%E8%B2%B8%E5%A3%BD%E9%9A
%AA/
8. 華南銀行，為什麼需要房貸壽險，
https://event.hncb.com.tw/insurance/common_page/cata_page01-1.html
9. My83 保險網，2023 最完整房貸壽險介紹 房貸壽險是什麼?跟壽險不一樣
嗎?，https://my83.com.tw/blogs?p=1344
10. RMI，盤點房貸壽險 3 大亂象 金管會祭新規、罰責遏止，
https://www.rmim.com.tw/news-detail-38848
11. 經濟日報，金管會:賣房貸壽險 不能包山包海，
https://money.udn.com/money/story/5613/6909836
12. Smart 自學網財經好讀，「類全委保單」是投資型保單嗎?，
https://smart.businessweekly.com.tw/Reading/IndepArticle.aspx?id=27453
13. 天下雜誌，類全委保單是什麼?真的每月配息這麼好康?，
https://www.cw.com.tw/article/5071411?aiarec=1&ercamp=article_interested_15
&from_id=5082395&from_index=1
14. 鏡週刊 財經，[理財專題] 裹著月配息糖衣的毒藥 台灣獨有類全委保單崩
壞，https://www.mirrormedia.mg/story/20220905money002/
15. 今周刊，吸金魅力超過千億元-一次搞懂 類全委保單結構，https://www.businesstoday.com.tw/article/category/80405/post/201806050043/
16. 鏡週刊 財經，[類全委獨家調查 2] 去年狂銷今年賠慘!全民愛配息 養出
類全委保單怪獸，https://www.mirrormedia.mg/story/20220907money001/
17. 風傳媒，投信代操得類全委保單，值得買嗎?專家:結構更複雜，可能撥
回本金，投資前要特別注意!，https://www.storm.mg/lifestyle/3986675
18. 好險網，驚!金管會出手控管 類全委保單「投報率縮水」，
https://www.phew.tw/article/cont/phewpoint/current/topic/13394/202201181339
4
19. 鏡週刊 財經，[理財專題] 獨家調查!依照資金慘套 戳破類全委保單月配
神話，https://www.mirrormedia.mg/story/20220905money001/
20. 經濟日報，壽險委託代操 12 道監理上身，
https://money.udn.com/money/story/5613/6959436
21. 經濟日報，類全委保單規範 業者有異見，
https://money.udn.com/money/story/5613/6998556
22. 工商時報，疫情新弱勢 林建智:受災戶、IT 小白也須公平待客，
https://ctee.com.tw/news/insurance/469474.html
23. 理財鴿，金管會公布新版金融業公平待客原則，提升金融機構服務客戶品
質，https://www.fintechgo.com.tw/FinDiary/Article/16775483853353
24. CSR 天下，金融危機後世界改變了嗎?如何推進金融永續與生態永續?，
https://csr.cw.com.tw/article/42735
25. 智勝(黃庭瑄)，借鏡先進國家的實務經驗 澳洲好錢、英國公平待客、AI
理財機器人均為有效工具，
http://www.bestwise.com.tw/conference/post.aspx?ipost=4786
二、英文文獻 (一) 期刊
1. Stuart Blazey (2022), A new consumer duty UK financial services regulation, 43(9) Company Lawyer 288, at 289.
2. Lucy Hadrill & Emma Radmore(2022), Prevention is better than cure: the UK’s proposals for a new “consumer duty”, Journal of International Banking Law and Regulation, at 257.
(二) 政府文書
1. FSA, Treating Customers fairly- guide to management information,
https://www.fca.org.uk/publication/archive/fca-tcf-mi-july2007.pdf.
2. Financial Conduct Authority, Fair treatment to customers,
https://www.fca.org.uk/firms/fair-treatment-customers
3. Financial Conduct Authority, FCA Handbook, PRIN 2.1 The Principles,:
https://www.handbook.fca.org.uk/handbook/PRIN/2/1.html
4. Financial Conduct Authority, Publications, CP21/13: A New Consumer Duty,
https://www.fca.org.uk/publications/consultation-papers/cp21-13-new-consumer-
duty
5. Financial Conduct Authority, Our Strategy 2022 to 2025,:
https://www.fca.org.uk/publication/corporate/our-strategy-2022-25.pdf
6. Financial Conduct Authority, Publication, PS22/9 A New Consumer Duty
Feedback to CP21/36 and final rules, Summary 1.4,
https://www.fca.org.uk/publication/policy/ps22-9.pdf
7. Financial Conduct Authority, Finalised Guidance, FG22/5 Final non-Handbook
Guidance for firms on the Consumer Duty,
https://www.fca.org.uk/publication/finalised-guidance/fg22-5.pdf
8. Financial Conduct Authority, FCA Handbook, Business Standards, COBS
Conduct of Business Sourcebook, COBS 3 Client categorization. COBS3.4
Retail clients, https://www.handbook.fca.org.uk/handbook/COBS/3/4.html.
9. Financial Conduct Authority, FCA Handbook, COBS Conduct of Business
Sourcebook, COBS 3.5 Professional clients, https://www.handbook.fca.org.uk/handbook/COBS/3/5.html?date=2023-04- 24#D182
10. Financial Conduct Authority, FCA Handbook, COBS Conduct of Business Sourcebook, COBS 3.6 Eligible counterparties, https://www.handbook.fca.org.uk/handbook/COBS/3/6.html?date=2023-04- 24#D226
11. Financial Conduct Authority, FCA Handbook, ICOB 2.1 Client categorization, available at: https://www.handbook.fca.org.uk/handbook/ICOBS/2/1.html
12. Financial Conduct Authority, Consumer Duty Key milestones, https://www.fca.org.uk/publication/documents/consumer-duty-detailed- timeline.pdf
13. Financial Conduct Authority, Wholesale financial markets: overview, https://www.fca.org.uk/publication/research/wholesale-financial-markets-sector- overview.pdf
14. Financial Conduct Authority, FCA Handbook, https://www.handbook.fca.org.uk/handbook
15. Financial Conduct Authority, FCA Handbook documents on 2023-07-31, PRIN 2.1 The Principles,
https://www.handbook.fca.org.uk/handbook/PRIN/2/1.html?date=2023-07-
31&timeline=True
16. Financial Conduct Authority, Senior Managers and Certification Regime,
https://www.fca.org.uk/firms/senior-managers-certification-regime
17. Financial News, FCA heeds timing worries over accountability rules,
https://www.fnlondon.com/articles/fca-details-plans-to-extend-accountability-
regime-20170726
18. Financial Conduct Authority, FCA to launch enhanced Financial Services
Register, https://www.fca.org.uk/news/news-stories/fca-launch-enhanced-
financial-services-register
19. Financial Conduct Authority, Senior Managers Regime,
https://www.fca.org.uk/firms/senior-managers-and-certification-regime/senior-
managers-regime
20. Financial Conduct Authority, The Certification Regime,
https://www.fca.org.uk/firms/senior-managers-and-certification-
regime/certification-regime
21. Financial Conduct Authority, FCA Handbook SYSC 27.8 Definition of the FCA
certification functions,
https://www.handbook.fca.org.uk/handbook/SYSC/27/8.html#D146
22. Financial Conduct Authority, FCA Handbook Glossary,
https://www.handbook.fca.org.uk/handbook/glossary/G1110.html
23. Financial Conduct Authority, COCON 2.1 Individual conducts rules,
https://www.handbook.fca.org.uk/handbook/COCON/2/1.html?date=2023-07-
31&timeline=True
24. Financial Conduct Authority, About the FCA, https://www.fca.org.uk/about/what-
we-do/the-fca
25. Monetary Authority of Singapore, MAS Issues Guideline on Fair Dealing-Board
and Senior Management Responsibilities for Delivering Fair Dealing Outcomesto Customers, https://www.mas.gov.sg/news/media-releases/2009/mas-issues- guidelines-on-fair-dealing-board-and-senior-management-responsibilities-for- delivering-fair-dealing-outcomes-to-customers
26. Monetary Authority of Singapore, Guidelines on Fair Dealing – Board and Senior Management Responsibilties for Delivering Fair Dealing Outcomes to Customers {FAA-G11}, https://www.mas.gov.sg/regulation/guidelines/guidelines- on-fair-dealing---board-and-senior-management-responsibilities-for-delivering- fair-dealing-outcomes-to-customers
27. Monetary Authority of Singapore, FINANCIAL ADVISERS ACT(CAP.110), GUIDELINES ON FAIR DEALING-BOARD AND SENIOR MANAGEMENT RESPONSIBILITES FOR DELIVERING FAIR DEALING OUTCOMES TO CUSTOMERS, Introduction, https://www.mas.gov.sg/-/media/mas/regulations- and-financial-stability/regulations-guidance-and-licensing/financial- advisers/guidelines/fair-dealing-guidelines--20-feb-2013.pdf
28. Monetary Authority of Singapore, Supervisory Approach and Regulatory Instruments, https://www.mas.gov.sg/regulation/MAS-Supervisory-Approach- and-Regulatory-Instruments
29. Monetary Authority of Singapore, Enforcement Report, https://www.mas.gov.sg/regulation/explainers/enforcement-report
30. Monetary Authority of Singapore, ENFORCEMENT REPORT JULY 2020 TO DECEMBER 2021, available at: https://www.mas.gov.sg/-/media/mas/news-and- publications/monographs-and-information-papers/enf-report-20202021-pdf.pdf
31. Monetary Authority of Singapore, Enforcement Action, MAS Reprimands AIA Financial Advisers, Prudential, and Two Aviva Entities, https://www.mas.gov.sg/regulation/enforcement/enforcement-actions/mas- reprimands-aia-fas-prudential-and-two-aviva-entities
32. Monetary Authority of Singapore, Enforcement Actions media Releases, MAS issues Prohibition Orders against Mr. Selvarajulu S/O Subramaniam for cheating, https://www.mas.gov.sg/regulation/enforcement/enforcement- actions/2022/mas-issues-prohibition-orders-against-mr-selvarajulu-so- subramaniam-for-cheating
33. Monetary Authority of Singapore, Guidelines on Individual Accountability and Conduct, https://www.mas.gov.sg/regulation/guidelines/guidelines-on- individual-accountability-and-conduct
34. Monetary Authority of Singapore, “Strengthening Trust in Finance”- Opening Address by Mr Ravi Menon, Managing Director, Monetary Authority of Singapore, at Symposium on Asian Banking and Finance on 3 June 2019, https://www.mas.gov.sg/news/speeches/2019/strengthening-trust-in-finance
35. Monetary Authority of Singapore, New Industry Steering Group to Elevate Culture and Conduct Standards for Banking Industry, https://www.mas.gov.sg/news/media-releases/2019/new-industry-steering-group- to-elevate-culture-and-conduct-standards-for-banking-industry
36. Monetary Authority of Singapore, Consultation Paper on Revisions to Guidelines on Fair Dealing – Board and Senior Management Responsibilities for Delivering Fair Dealing Outcomes to Customers, https://www.mas.gov.sg/- /media/mas/news-and-publications/consultation-papers/2022-proposed- amendments-to-fair-dealing-guidelines/consultation-paper-on-proposed- amendments-to-fair-dealing-guidelines.pdf
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38. Organization for Economic Co-operation and Development, G20 HIGH-LEVEL PRINCIPLES ON FINANCIAL CONSUMER PROTECTIOM(2011), https://www.oecd.org/daf/fin/financial-markets/48892010.pdf
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40. OECD Legal Instruments, Recommendation of the Council on High-Level Principles on Financial Consumer Protection Principe 3, https://legalinstruments.oecd.org/en/instruments/OECD-LEGAL-0394
(三) 網路資料
1. Regulation Asia, Regulatory Trends Behavioural Science in Culture & Conduct Supervision, https://www.regulationasia.com/regulatory-trends-behavioural- science-in-culture-conduct-supervision/
2. Norton Rose Fulbright, The FCA’s latest consultation on the new Consumer Duty: What does it mean for firms?, https://www.nortonrosefulbright.com/en- gb/knowledge/publications/72a3d4bd/the-fcas-latest-consultation-on-the-new- consumer-duty
3. Daniel Wraith Manager Strategic Policy blog, “Consumer Duty a force for good if done right”, https://www.ukfinance.org.uk/news-and-insight/blogs/consumer- duty-force-good-if-done-right.
4. Thomson Reuters Practical Law, FSA publishes new regulatory guide on responsibilities of providers and distributors,https://www.deepl.com/zh/translator#en/zh/FSA%20publishes%20new%20regul atory%20guide%20on%20responsibilities%20of%20providers%20and%20distri butors
5. Mazars, CP21/13- A new Consumer Duty, https://www.mazars.co.uk/Home/Industries/Financial-Services/Regulatory- Insights/CP21-13-A-new-Consumer-Duty
6. Norton Rose Fulbright, The FCA’s new Consumer Duty rules – an overview of its impact on firms, https://www.nortonrosefulbright.com/en- gb/knowledge/publications/26d51509/the-fcas-new-consumer-duty-rules-an- overview-of-its-impact-on-firms
7. Skadden, UK Adopts a New Consumer Duty: Key Implications for Financial Services Firms, https://www.skadden.com/insights/publications/2023/02/uk- adopts-a-new-consumer-duty
8. Allen & Overy, Consumer Duty – What does it mean for wholesale firms?, https://www.allenovery.com/en-gb/global/news-and- insights/publications/consumer-duty-what-does-it-mean-for-wholesale-firms
9. Norton Rose Fulbright, FCA Consumer Duty for Insurance, https://www.nortonrosefulbright.com/en- gb/knowledge/publications/07649343/fca-consumer-duty-for-insurance
10. KPGM, What are the New Consumer Duty requirements? https://kpmg.com/xx/en/home/insights/2022/04/what-are-the-new-consumer- duty-requirements.html
11. Ashurst, 2018 Extension to SMCR: FCA publishes eagerly awaited rules for FCA firms, https://www.ashurst.com/en/news-and-insights/legal- updates/extension-to-smcr-fca-publishes-eagerly-awaited-rules-for-fca-firms/
12. Deriv Source, Heads on the Block FCA Consults on Extension of Senior Managers Regime, https://derivsource.com/2017/08/18/heads-block-fca- consults-extension-senior-managers-regime/
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16. Bovill Financial services regulatory consultants, MAS proposes to apply Fair Dealing Guidelines to all, https://www.bovill.com/asia/mas-proposes-to-apply- fair-dealing-guidelines-to-all-financial-institutions/
17. Allen & Gledhill, MAS consults on revisions to guidelines on implementing fair dealing outcomes to customers, https://www.allenandgledhill.com/sg/perspectives/articles/22846/sgkh-mas- consults-on-revisions-to-guidelines-on-implementing-fair-dealing-outcomes-to- customers,
18. Lexology, MAS Consultation Paper on Revisions to Guidelines on Fair Dealing – Board and Senior Management Responsibilities for Delivering Fair Dealing Outcomes to Customers, https://www.lexology.com/library/detail.aspx?g=5a6237c0-298e-4abc-a30a- 9d32e381500f
19. Conventus, Singapore – MAS Consultation Paper On Revisions To Guidelines on Fair Dealing, https://conventuslaw.com/report/singapore-mas-consultation- paper-on-revisions-to-guidelines-on-fair-dealing/
20. Shooklin & Bok, MAS Consultation Paper on Revisions to Guidelines on Fair Dealing – Board and Senior Management Responsibilities for Delivering Fair Dealing Outcomes to Customer, https://www.shooklin.com/images/publications/2023/MAS-Consultation-Paper- on-Revisions-to-Guidelines-on-Fair-Dealing.PDF
21. Aveni, Is Consumer Duty just another TCF Thing?, https://aveni.ai/is-consumer- duty-just-another-tcf-thing/
22. IQEQ, The FCA’s new Consumer Duty: what it means for UK firms, https://iqeq.com/insights/fcas-new-consumer-duty-what-it-means-uk-firms/
23. Claro, What is Consumer Duty? Essential Guide to readying your firm and keeping compliant, https://blog.clarowellbeing.com/what-is-consumer-duty
24. Linklaters, FCA Consumer Duty – Back to the Future?, https://financialregulation.linklaters.com/post/102hvc6/fca-consumer-duty-back- to-the-future
25. PwC, A higher standard of customer protection,https://www.pwc.co.uk/industries/financial-services/understanding- regulatory-developments/fca-proposes-new-consumer-duty-in-paradigm-shift- for-firms.html
26. The telemarketing company, What does the new FCA Consumer Duty mean for your business?, https://ttmc.co.uk/knowledge/articles/what-does-the-new-fca- consumer-duty-mean-for-your-business
描述 碩士
國立政治大學
風險管理與保險學系
110358005
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0110358005
資料類型 thesis
dc.contributor.advisor 陳俊元zh_TW
dc.contributor.advisor Chen, Chun-Yuanen_US
dc.contributor.author (Authors) 陳思岑zh_TW
dc.contributor.author (Authors) Chen, Szu-Tsenen_US
dc.creator (作者) 陳思岑zh_TW
dc.creator (作者) Chen, Szu-Tsenen_US
dc.date (日期) 2023en_US
dc.date.accessioned 2-Aug-2023 14:23:15 (UTC+8)-
dc.date.available 2-Aug-2023 14:23:15 (UTC+8)-
dc.date.issued (上傳時間) 2-Aug-2023 14:23:15 (UTC+8)-
dc.identifier (Other Identifiers) G0110358005en_US
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/146652-
dc.description (描述) 碩士zh_TW
dc.description (描述) 國立政治大學zh_TW
dc.description (描述) 風險管理與保險學系zh_TW
dc.description (描述) 110358005zh_TW
dc.description.abstract (摘要) 金融消費者保護乃為金融危機後各國政府、金融監理機關、國際組織、非政府組織、消費者本身最注重之議題。為重建當時金融消費者對金融市場的信心，並促進健全的金融生態圈發展，各國政府與金融監理機關認為其首要目標係應完善金融消費者保護之立法架構，因此陸續頒布金融消費者保護法，同時成立金融消費評議中心，期望透過立法與設立公平合理的申訴管道，來積極保障消費者權益。而「公平待客」觀念即從金融消費者保護中興起，且逐年受到全球金融市場與監理機關的重視，並接續就該理念訂定相關政策措施，期盼金融機構能具體落實，作為保護消費者的概念與方式之一。
我國為接軌國際及提升對金融消費者的保護層級，遂於2010年公布金融消費者保護法，並於2015年納入公平待客原則作為業者實務作業時的參考指引，期望金融機構藉由內部文化的建立達成該制度的目標。其後，主管機關更導入對該制度的評核機制，為現行金融檢查項目之一，因此金融機構的實施好壞可直接影響其聲譽。然而，主管機關引進公平待客制度雖立意良善，惟其規範、措施內容、法律定位與政策施行方式仍引發不少質疑，加上金融市場弊案仍不斷發生，顯現在公平待客原則性監理目標下，金融機構並未善盡自我監理效力。本文將圍繞探討公平待客制度面的缺失，並參酌英國及新加坡監理機關對該議題之政策訂定方式、內容、監理態度與發展方向等，以比較法研究及分析各國制度間差異，最終提出對我國政策建議及未來可研擬修正的方向，希冀本文能作為公平待客政策改革的參考資源。		zh_TW
dc.description.abstract (摘要) Financial consumer protection is a top priority for governments, financial regulators, international organizations, non-governmental organizations, and consumers following the financial crisis. To rebuild consumer confidence and foster a stable financial ecosystem, governments and regulators focus on improving the legislative framework for financial consumer protection. They enact laws, establish financial ombudsman institutions, and promote fair treatment of customers through legislation and transparent complaint procedures.
The concept of fair treatment has gained global attention, leading to the formulation of relevant policies and measures by financial institutions. Our supervisory authority implemented the Financial Consumer Protection Law in 2010, incorporating the fair treatment of customer principle as a practice guideline in 2015. Financial institutions are expected to adopt this principle internally to achieve system objectives. The authority evaluates institutions` implementation, impacting their reputation.
However, questions remain regarding the measures, legal positions, and policy practices of the fair treatment system. This paper focuses on these issues, analyzing the policies and approaches of regulatory authorities in the UK and Singapore. By comparing their systems, the paper aims to propose policy recommendations and future directions for fair treatment of customer reforms, serving as a reference resource.		en_US
dc.description.tableofcontents 謝辭 I
摘要 II
Abstract III
表次 VII
圖次 VIII
第一章 緒論 1
第一節 研究動機與問題意識 1
第二節 影響金融消費者權益之保險商品案例與處理方式 3
第一項 防疫保單 3
第二項 房貸壽險 6
第三項 類全委保單 7
第三節 我國公平待客現行缺失 12
第一項 自我監理發揮效果薄弱 12
第二項 公平待客原則制定範圍與內容尚未完全明確 13
第三項 事後導正機制問題 14
第四節 研究範圍與論文架構 15
第二章 我國金融業公平待客原則介紹 17
第一節 公平待客之緣起與實施現況 17
第一項 我國建立公平待客原則 20
第二項 公平待客原則之性質 23
第三項 公平待客原則評核機制與實施現況 25
第二節 我國學者對公平待客原則之評價 27
第一項 正面評價 27
第二項 反面評價 29
第三項 本文見解 31
第三章 英國公平待客原則與新消費者責任原則 34
第一節 公平待客原則發展沿革與功能定位 34
第一項 公平待客原則發展沿革與內容 34
第二項 公平待客原則功能定位 36
第二節 新消費者責任原則之發展沿革 37
第一項 制定背景與原因 37
第二項 制定目的 39
第三節 零售客戶定義與新消費者責任範圍 42
第一項 名詞定義 43
第二項 新消費者責任範圍與生效時間 46
第四節 新消費者責任內容 52
第一項 消費者原則 52
第二項 交叉規則(Cross-cuttingrules) 55
第三項 四項成果
第四項 三者間關係 92
第五節 文化、治理與問責制 93
第一項 文化 94
第二項 治理與問責制(Governance and accountability) 95
第六節 監測客戶結果 106
第七節 評析 108
第四章 新加坡公平交易指南-董事會與高階管理人員為客戶提供公平交易結果的責任 110
第一節 公平交易指南法律效力 111
第二節 公平交易指南內容與董事會責任 112
第一項 董事會責任 112
第二項 五項結果 113
第三節 MAS 執法報告書及違反公平交易之執法行動案例 120
第一項 MAS 2020 年 7 月至 2021 年 12 月之執法報告書 120
第四節 近期修正草案 123
第一項 修訂緣由 123
第二項 修訂內容 124
第三項 修正草案 128
第五節 評析 151
第五章 英國、新加坡及我國制度間比較 153
第一節 英國公平待客原則與新消費者責任原則之比較 153
第二節 英國新消費者責任與新加坡公平交易指南比較 159
第三節 英國、新加坡與我國公平待客原則間之比較 164
第六章 結論與建議 168
第一節 結論 168
第二節 建議 170
第七章 參考文獻 173		zh_TW
dc.format.extent 4958577 bytes-
dc.format.mimetype application/pdf-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0110358005en_US
dc.subject (關鍵詞) 公平待客原則zh_TW
dc.subject (關鍵詞) 金融消費者保護zh_TW
dc.subject (關鍵詞) 金融消費者保護法zh_TW
dc.subject (關鍵詞) 英國新消費者責任原則zh_TW
dc.subject (關鍵詞) 新加坡公平交易指南zh_TW
dc.subject (關鍵詞) 結果監理zh_TW
dc.subject (關鍵詞) Fair Treatment of Customeren_US
dc.subject (關鍵詞) Financial Consumer Protectionen_US
dc.subject (關鍵詞) Financial Consumer Protection Lawen_US
dc.subject (關鍵詞) UK’s New Consumer Dutyen_US
dc.subject (關鍵詞) Singapore`s Guidelines on Fair Dealingen_US
dc.subject (關鍵詞) Outcome-Based Regulationen_US
dc.title (題名) 論公平待客原則制度之最新發展－以英國新消費者責任原則與新加坡公平交易指南為中心zh_TW
dc.title (題名) Recent Developments in the Fair Treatment of Customer - Centered on the UK`s New Consumer Duty and Singapore`s Guidelines on Fair Dealingen_US
dc.type (資料類型) thesisen_US
dc.relation.reference (參考文獻) 一、中文文獻 (一) 期刊
第七章 參考文獻
1. 何曜琛(2022)，金融消費者保護法下公平待客原則之射程範圍，當代法律， 第 8 期。
2. 李志峰(2016)，公平合理原則對於金融消費審查制度所扮演的角色-以澳 大利亞金融審查制度為核心，東吳法律學報，第 28 卷第 1 期。
3. 李虹翎、陳俊元(2021)，初探公平待客原則-兼論我國實務之發展，壽險 管理期刊，第 34 卷第 5 期。
4. 汪信君(2023)，公平待客原則與保險監理-以金融弱勢之保護為中心，月 旦法學雜誌，第 335 號。
5. 汪信君(2023)，公平待客原則與保險監理-以金融弱勢保護為中心，月旦 法學雜誌，第 335 期。
6. 沈大白、黃追(2022)，不當行為之代價-從公平待客談起，《會計研究月刊》， 第 436 期。
7. 沈大白、黃追(2022)，金融業公平待客之發展現況，會計研究月刊，第 442 期。
8. 卓俊雄、曾耀鋒(2014)，房貸壽險實務運作與相關法律問題之探討，保險 法論著選集:當代重要議題評析(一)。
9. 郭大維(2006)，英國監理機制之探討，證券暨期貨月刊，第 24 卷第 4 期。
10. 陳俊元、朱勗華、廖晨旭、賴彥傑(2021)，金融消費者保護中公平合理原
則法律實證研究，東吳法律學報，第 23 卷第 4 期。
11. 陳美菊(2009)，全球金融危機之成因、影響及因應，《經濟研究年刊》第 9
期。
12. 陳鴻文、林英星(2017)，類全委投資型保單績效之影響因素分析，華人經
濟研究第二期。
13. 黃追(2023)，從金融裁罰與損失事件看金融業公平待客及內部控制之重要
性，內部稽核第 120 期。
14. 葉啟洲(2022)，防疫保單的投保與拒保爭議，當代法律，第 7 期。
15. 葉啟洲(2022)，防疫保險與情勢變更原則，月旦醫事法報告第 72 號。
16. 葉啟洲(2023)，保險消費者保護與公司治理-公平待客原則與其界限，臺
灣財經法學論叢，第 5 卷第 1 期。
17. 羅俊瑋(2020)，原則性之金融監理措施:公平待客原則之探討-以英國制
度為參考，壽險管理期刊，第 33 卷第 6 期。
(二) 學位論文
1. 許嘉竣(2022)，公平待客原則於投資型保險契約適用之研究，國立中正大 學財經法律學研究所碩士在職專班學位論文。
(三) 政府報告
1. 金融監督管理委員會，金融監督管理委員會與財團法人金融消費評議中心
共同舉辦「金融服務業公平待客原則研討會暨簽署儀式」新聞稿，取自:
https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news
_view.jsp&dataserno=201511160002&dtable=News。
2. 金融監督管理委員會，金融服務業公平待客原則 104 年 12 月 31 日，取自:
https://law.fsc.gov.tw/LawContentHistory.aspx?hid=841 。
3. 金管會，金管會公布 112 年金融服務業公平待客原則評核內容，
https://www.fsc.gov.tw/ch/home.jsp?id=2&parentpath=0&mcustomize=news_vi
ew.jsp&dataserno=202112300001&dtable=News
4. 參金融監督管理委員會 2022 年 1 月 5 日新聞稿， https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news _view.jsp&dataserno=202301050005&dtable=News 。
5. 參金融機端管理委員會 2022 年 7 月 14 日金管會公布 111 年公平待客原則 評核結果新聞稿， https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news _view.jsp&dataserno=202207140003&dtable=News 。
6. 中央銀行考察報告，英國監理制度之改革，取自: https://report.nat.gov.tw/ReportFront/ReportDetail/detail?sysId=C10203231。
(四) 網路資料
1. 經濟日報，類全委保單規範 業者有異見，
https://money.udn.com/money/story/5613/6998556
2. Yahoo 新聞，躲過防疫理賠風暴!台產全年稅前獲利創 5 年新高 第一保也
是倖存者，
https://tw.news.yahoo.com/news/%E8%BA%B2%E9%81%8E%E9%98%B2%E 7%96%AB%E7%90%86%E8%B3%A0%E9%A2%A8%E6%9A%B4- %E5%8F%B0%E7%94%A2%E5%85%A8%E5%B9%B4%E7%A8%85%E5%8 9%8D%E7%8D%B2%E5%88%A9%E5%89%B55%E5%B9%B4%E6%96%B0 %E9%AB%98-%E7%AC%AC- %E4%BF%9D%E4%B9%9F%E6%98%AF%E5%80%96%E5%AD%98%E8% 80%85-065952761.html
3. Yahoo 新聞，6 家保險公司賣防疫保單遭金管會罰 180 萬 商品風險評估成 重要課題，https://tw.news.yahoo.com/6%E5%AE%B6%E4%BF%9D%E9%9A%AA%E5 %85%AC%E5%8F%B8%E8%B3%A3%E9%98%B2%E7%96%AB%E9%9A% AA%E9%81%AD%E9%87%91%E7%AE%A1%E6%9C%83%E7%BD%B018 0%E8%90%AC- %E5%95%86%E5%93%81%E9%A2%A8%E9%9A%AA%E8%A9%95%E4% BC%B0%E6%88%90%E9%87%8D%E8%A6%81%E8%AA%B2%E9%A1%8 C-104430190.html
4. 時報資訊，《各報要聞》新冠輕症 3 月 20 日起防疫險不理賠， https://tw.stock.yahoo.com/news/%E5%90%84%E5%A0%B1%E8%A6%81%E 8%81%9E-%E6%96%B0%E5%86%A0%E8%BC%95%E7%97%87- 3%E6%9C%8820%E6%97%A5%E8%B5%B7%E9%98%B2%E7%96%AB%E 9%9A%AA%E4%B8%8D%E7%90%86%E8%B3%A0-011219547.html
5. 經濟日報，防疫險去年理賠逾 2116 億， https://money.udn.com/money/story/12926/6884967
6. 參金融監督管理委員會新聞稿，6 家保險公司辦理防疫商品違反保險法令 裁罰案，
https://www.ib.gov.tw/ch/home.jsp?id=239&parentpath=0,2,238&mcustomize=n
ews_view.jsp&dataserno=202301170001&dtable=News。
7. 理財學伴，辦理房貸時，要醫病投保房貸壽險嗎?哪些族群可以省下這個
錢?，
https://moneymate.space/%E6%88%BF%E8%B2%B8%E5%A3%BD%E9%9A
%AA/
8. 華南銀行，為什麼需要房貸壽險，
https://event.hncb.com.tw/insurance/common_page/cata_page01-1.html
9. My83 保險網，2023 最完整房貸壽險介紹 房貸壽險是什麼?跟壽險不一樣
嗎?，https://my83.com.tw/blogs?p=1344
10. RMI，盤點房貸壽險 3 大亂象 金管會祭新規、罰責遏止，
https://www.rmim.com.tw/news-detail-38848
11. 經濟日報，金管會:賣房貸壽險 不能包山包海，
https://money.udn.com/money/story/5613/6909836
12. Smart 自學網財經好讀，「類全委保單」是投資型保單嗎?，
https://smart.businessweekly.com.tw/Reading/IndepArticle.aspx?id=27453
13. 天下雜誌，類全委保單是什麼?真的每月配息這麼好康?，
https://www.cw.com.tw/article/5071411?aiarec=1&ercamp=article_interested_15
&from_id=5082395&from_index=1
14. 鏡週刊 財經，[理財專題] 裹著月配息糖衣的毒藥 台灣獨有類全委保單崩
壞，https://www.mirrormedia.mg/story/20220905money002/
15. 今周刊，吸金魅力超過千億元-一次搞懂 類全委保單結構，https://www.businesstoday.com.tw/article/category/80405/post/201806050043/
16. 鏡週刊 財經，[類全委獨家調查 2] 去年狂銷今年賠慘!全民愛配息 養出
類全委保單怪獸，https://www.mirrormedia.mg/story/20220907money001/
17. 風傳媒，投信代操得類全委保單，值得買嗎?專家:結構更複雜，可能撥
回本金，投資前要特別注意!，https://www.storm.mg/lifestyle/3986675
18. 好險網，驚!金管會出手控管 類全委保單「投報率縮水」，
https://www.phew.tw/article/cont/phewpoint/current/topic/13394/202201181339
4
19. 鏡週刊 財經，[理財專題] 獨家調查!依照資金慘套 戳破類全委保單月配
神話，https://www.mirrormedia.mg/story/20220905money001/
20. 經濟日報，壽險委託代操 12 道監理上身，
https://money.udn.com/money/story/5613/6959436
21. 經濟日報，類全委保單規範 業者有異見，
https://money.udn.com/money/story/5613/6998556
22. 工商時報，疫情新弱勢 林建智:受災戶、IT 小白也須公平待客，
https://ctee.com.tw/news/insurance/469474.html
23. 理財鴿，金管會公布新版金融業公平待客原則，提升金融機構服務客戶品
質，https://www.fintechgo.com.tw/FinDiary/Article/16775483853353
24. CSR 天下，金融危機後世界改變了嗎?如何推進金融永續與生態永續?，
https://csr.cw.com.tw/article/42735
25. 智勝(黃庭瑄)，借鏡先進國家的實務經驗 澳洲好錢、英國公平待客、AI
理財機器人均為有效工具，
http://www.bestwise.com.tw/conference/post.aspx?ipost=4786
二、英文文獻 (一) 期刊
1. Stuart Blazey (2022), A new consumer duty UK financial services regulation, 43(9) Company Lawyer 288, at 289.
2. Lucy Hadrill & Emma Radmore(2022), Prevention is better than cure: the UK’s proposals for a new “consumer duty”, Journal of International Banking Law and Regulation, at 257.
(二) 政府文書
1. FSA, Treating Customers fairly- guide to management information,
https://www.fca.org.uk/publication/archive/fca-tcf-mi-july2007.pdf.
2. Financial Conduct Authority, Fair treatment to customers,
https://www.fca.org.uk/firms/fair-treatment-customers
3. Financial Conduct Authority, FCA Handbook, PRIN 2.1 The Principles,:
https://www.handbook.fca.org.uk/handbook/PRIN/2/1.html
4. Financial Conduct Authority, Publications, CP21/13: A New Consumer Duty,
https://www.fca.org.uk/publications/consultation-papers/cp21-13-new-consumer-
duty
5. Financial Conduct Authority, Our Strategy 2022 to 2025,:
https://www.fca.org.uk/publication/corporate/our-strategy-2022-25.pdf
6. Financial Conduct Authority, Publication, PS22/9 A New Consumer Duty
Feedback to CP21/36 and final rules, Summary 1.4,
https://www.fca.org.uk/publication/policy/ps22-9.pdf
7. Financial Conduct Authority, Finalised Guidance, FG22/5 Final non-Handbook
Guidance for firms on the Consumer Duty,
https://www.fca.org.uk/publication/finalised-guidance/fg22-5.pdf
8. Financial Conduct Authority, FCA Handbook, Business Standards, COBS
Conduct of Business Sourcebook, COBS 3 Client categorization. COBS3.4
Retail clients, https://www.handbook.fca.org.uk/handbook/COBS/3/4.html.
9. Financial Conduct Authority, FCA Handbook, COBS Conduct of Business
Sourcebook, COBS 3.5 Professional clients, https://www.handbook.fca.org.uk/handbook/COBS/3/5.html?date=2023-04- 24#D182
10. Financial Conduct Authority, FCA Handbook, COBS Conduct of Business Sourcebook, COBS 3.6 Eligible counterparties, https://www.handbook.fca.org.uk/handbook/COBS/3/6.html?date=2023-04- 24#D226
11. Financial Conduct Authority, FCA Handbook, ICOB 2.1 Client categorization, available at: https://www.handbook.fca.org.uk/handbook/ICOBS/2/1.html
12. Financial Conduct Authority, Consumer Duty Key milestones, https://www.fca.org.uk/publication/documents/consumer-duty-detailed- timeline.pdf
13. Financial Conduct Authority, Wholesale financial markets: overview, https://www.fca.org.uk/publication/research/wholesale-financial-markets-sector- overview.pdf
14. Financial Conduct Authority, FCA Handbook, https://www.handbook.fca.org.uk/handbook
15. Financial Conduct Authority, FCA Handbook documents on 2023-07-31, PRIN 2.1 The Principles,
https://www.handbook.fca.org.uk/handbook/PRIN/2/1.html?date=2023-07-
31&timeline=True
16. Financial Conduct Authority, Senior Managers and Certification Regime,
https://www.fca.org.uk/firms/senior-managers-certification-regime
17. Financial News, FCA heeds timing worries over accountability rules,
https://www.fnlondon.com/articles/fca-details-plans-to-extend-accountability-
regime-20170726
18. Financial Conduct Authority, FCA to launch enhanced Financial Services
Register, https://www.fca.org.uk/news/news-stories/fca-launch-enhanced-
financial-services-register
19. Financial Conduct Authority, Senior Managers Regime,
https://www.fca.org.uk/firms/senior-managers-and-certification-regime/senior-
managers-regime
20. Financial Conduct Authority, The Certification Regime,
https://www.fca.org.uk/firms/senior-managers-and-certification-
regime/certification-regime
21. Financial Conduct Authority, FCA Handbook SYSC 27.8 Definition of the FCA
certification functions,
https://www.handbook.fca.org.uk/handbook/SYSC/27/8.html#D146
22. Financial Conduct Authority, FCA Handbook Glossary,
https://www.handbook.fca.org.uk/handbook/glossary/G1110.html
23. Financial Conduct Authority, COCON 2.1 Individual conducts rules,
https://www.handbook.fca.org.uk/handbook/COCON/2/1.html?date=2023-07-
31&timeline=True
24. Financial Conduct Authority, About the FCA, https://www.fca.org.uk/about/what-
we-do/the-fca
25. Monetary Authority of Singapore, MAS Issues Guideline on Fair Dealing-Board
and Senior Management Responsibilities for Delivering Fair Dealing Outcomesto Customers, https://www.mas.gov.sg/news/media-releases/2009/mas-issues- guidelines-on-fair-dealing-board-and-senior-management-responsibilities-for- delivering-fair-dealing-outcomes-to-customers
26. Monetary Authority of Singapore, Guidelines on Fair Dealing – Board and Senior Management Responsibilties for Delivering Fair Dealing Outcomes to Customers {FAA-G11}, https://www.mas.gov.sg/regulation/guidelines/guidelines- on-fair-dealing---board-and-senior-management-responsibilities-for-delivering- fair-dealing-outcomes-to-customers
27. Monetary Authority of Singapore, FINANCIAL ADVISERS ACT(CAP.110), GUIDELINES ON FAIR DEALING-BOARD AND SENIOR MANAGEMENT RESPONSIBILITES FOR DELIVERING FAIR DEALING OUTCOMES TO CUSTOMERS, Introduction, https://www.mas.gov.sg/-/media/mas/regulations- and-financial-stability/regulations-guidance-and-licensing/financial- advisers/guidelines/fair-dealing-guidelines--20-feb-2013.pdf
28. Monetary Authority of Singapore, Supervisory Approach and Regulatory Instruments, https://www.mas.gov.sg/regulation/MAS-Supervisory-Approach- and-Regulatory-Instruments
29. Monetary Authority of Singapore, Enforcement Report, https://www.mas.gov.sg/regulation/explainers/enforcement-report
30. Monetary Authority of Singapore, ENFORCEMENT REPORT JULY 2020 TO DECEMBER 2021, available at: https://www.mas.gov.sg/-/media/mas/news-and- publications/monographs-and-information-papers/enf-report-20202021-pdf.pdf
31. Monetary Authority of Singapore, Enforcement Action, MAS Reprimands AIA Financial Advisers, Prudential, and Two Aviva Entities, https://www.mas.gov.sg/regulation/enforcement/enforcement-actions/mas- reprimands-aia-fas-prudential-and-two-aviva-entities
32. Monetary Authority of Singapore, Enforcement Actions media Releases, MAS issues Prohibition Orders against Mr. Selvarajulu S/O Subramaniam for cheating, https://www.mas.gov.sg/regulation/enforcement/enforcement- actions/2022/mas-issues-prohibition-orders-against-mr-selvarajulu-so- subramaniam-for-cheating
33. Monetary Authority of Singapore, Guidelines on Individual Accountability and Conduct, https://www.mas.gov.sg/regulation/guidelines/guidelines-on- individual-accountability-and-conduct
34. Monetary Authority of Singapore, “Strengthening Trust in Finance”- Opening Address by Mr Ravi Menon, Managing Director, Monetary Authority of Singapore, at Symposium on Asian Banking and Finance on 3 June 2019, https://www.mas.gov.sg/news/speeches/2019/strengthening-trust-in-finance
35. Monetary Authority of Singapore, New Industry Steering Group to Elevate Culture and Conduct Standards for Banking Industry, https://www.mas.gov.sg/news/media-releases/2019/new-industry-steering-group- to-elevate-culture-and-conduct-standards-for-banking-industry
36. Monetary Authority of Singapore, Consultation Paper on Revisions to Guidelines on Fair Dealing – Board and Senior Management Responsibilities for Delivering Fair Dealing Outcomes to Customers, https://www.mas.gov.sg/- /media/mas/news-and-publications/consultation-papers/2022-proposed- amendments-to-fair-dealing-guidelines/consultation-paper-on-proposed- amendments-to-fair-dealing-guidelines.pdf
37. Monetary Authority of Singapore, Annex – Proposed Amendments to Fail Dealing Guidelines, https://fairmas.gov.sg/-/media/mas/news-and- publications/consultation-papers/2022-proposed-amendments-to-fair-dealing- guidelines/annex---proposed-amendments-to-fair-dealing-guidelines.pdf
38. Organization for Economic Co-operation and Development, G20 HIGH-LEVEL PRINCIPLES ON FINANCIAL CONSUMER PROTECTIOM(2011), https://www.oecd.org/daf/fin/financial-markets/48892010.pdf
39. Organization for Economic Co-operation and Development, Updated G20/OECD High-Level Principles on Financial Consumer Protection, https://www.oecd.org/finance/high-level-principles-on-financial-consumer- protection.htm
40. OECD Legal Instruments, Recommendation of the Council on High-Level Principles on Financial Consumer Protection Principe 3, https://legalinstruments.oecd.org/en/instruments/OECD-LEGAL-0394
(三) 網路資料
1. Regulation Asia, Regulatory Trends Behavioural Science in Culture & Conduct Supervision, https://www.regulationasia.com/regulatory-trends-behavioural- science-in-culture-conduct-supervision/
2. Norton Rose Fulbright, The FCA’s latest consultation on the new Consumer Duty: What does it mean for firms?, https://www.nortonrosefulbright.com/en- gb/knowledge/publications/72a3d4bd/the-fcas-latest-consultation-on-the-new- consumer-duty
3. Daniel Wraith Manager Strategic Policy blog, “Consumer Duty a force for good if done right”, https://www.ukfinance.org.uk/news-and-insight/blogs/consumer- duty-force-good-if-done-right.
4. Thomson Reuters Practical Law, FSA publishes new regulatory guide on responsibilities of providers and distributors,https://www.deepl.com/zh/translator#en/zh/FSA%20publishes%20new%20regul atory%20guide%20on%20responsibilities%20of%20providers%20and%20distri butors
5. Mazars, CP21/13- A new Consumer Duty, https://www.mazars.co.uk/Home/Industries/Financial-Services/Regulatory- Insights/CP21-13-A-new-Consumer-Duty
6. Norton Rose Fulbright, The FCA’s new Consumer Duty rules – an overview of its impact on firms, https://www.nortonrosefulbright.com/en- gb/knowledge/publications/26d51509/the-fcas-new-consumer-duty-rules-an- overview-of-its-impact-on-firms
7. Skadden, UK Adopts a New Consumer Duty: Key Implications for Financial Services Firms, https://www.skadden.com/insights/publications/2023/02/uk- adopts-a-new-consumer-duty
8. Allen & Overy, Consumer Duty – What does it mean for wholesale firms?, https://www.allenovery.com/en-gb/global/news-and- insights/publications/consumer-duty-what-does-it-mean-for-wholesale-firms
9. Norton Rose Fulbright, FCA Consumer Duty for Insurance, https://www.nortonrosefulbright.com/en- gb/knowledge/publications/07649343/fca-consumer-duty-for-insurance
10. KPGM, What are the New Consumer Duty requirements? https://kpmg.com/xx/en/home/insights/2022/04/what-are-the-new-consumer- duty-requirements.html
11. Ashurst, 2018 Extension to SMCR: FCA publishes eagerly awaited rules for FCA firms, https://www.ashurst.com/en/news-and-insights/legal- updates/extension-to-smcr-fca-publishes-eagerly-awaited-rules-for-fca-firms/
12. Deriv Source, Heads on the Block FCA Consults on Extension of Senior Managers Regime, https://derivsource.com/2017/08/18/heads-block-fca- consults-extension-senior-managers-regime/
13. Inform direct, What is a sole trader?, https://www.informdirect.co.uk/business- management/what-is-a-sole-trader/
14. 1 Vinci Works, Introduction to SMCR for FCA-regulated firms, https://vinciworks.com/blog/introduction-to-smcr-for-fca-regulated-firms/
15. Corterum, SM&CR: The conduct rules, https://www.corterum.com/smcr- compliance/the-smcr-and-you/conduct-rules/
16. Bovill Financial services regulatory consultants, MAS proposes to apply Fair Dealing Guidelines to all, https://www.bovill.com/asia/mas-proposes-to-apply- fair-dealing-guidelines-to-all-financial-institutions/
17. Allen & Gledhill, MAS consults on revisions to guidelines on implementing fair dealing outcomes to customers, https://www.allenandgledhill.com/sg/perspectives/articles/22846/sgkh-mas- consults-on-revisions-to-guidelines-on-implementing-fair-dealing-outcomes-to- customers,
18. Lexology, MAS Consultation Paper on Revisions to Guidelines on Fair Dealing – Board and Senior Management Responsibilities for Delivering Fair Dealing Outcomes to Customers, https://www.lexology.com/library/detail.aspx?g=5a6237c0-298e-4abc-a30a- 9d32e381500f
19. Conventus, Singapore – MAS Consultation Paper On Revisions To Guidelines on Fair Dealing, https://conventuslaw.com/report/singapore-mas-consultation- paper-on-revisions-to-guidelines-on-fair-dealing/
20. Shooklin & Bok, MAS Consultation Paper on Revisions to Guidelines on Fair Dealing – Board and Senior Management Responsibilities for Delivering Fair Dealing Outcomes to Customer, https://www.shooklin.com/images/publications/2023/MAS-Consultation-Paper- on-Revisions-to-Guidelines-on-Fair-Dealing.PDF
21. Aveni, Is Consumer Duty just another TCF Thing?, https://aveni.ai/is-consumer- duty-just-another-tcf-thing/
22. IQEQ, The FCA’s new Consumer Duty: what it means for UK firms, https://iqeq.com/insights/fcas-new-consumer-duty-what-it-means-uk-firms/
23. Claro, What is Consumer Duty? Essential Guide to readying your firm and keeping compliant, https://blog.clarowellbeing.com/what-is-consumer-duty
24. Linklaters, FCA Consumer Duty – Back to the Future?, https://financialregulation.linklaters.com/post/102hvc6/fca-consumer-duty-back- to-the-future
25. PwC, A higher standard of customer protection,https://www.pwc.co.uk/industries/financial-services/understanding- regulatory-developments/fca-proposes-new-consumer-duty-in-paradigm-shift- for-firms.html
26. The telemarketing company, What does the new FCA Consumer Duty mean for your business?, https://ttmc.co.uk/knowledge/articles/what-does-the-new-fca- consumer-duty-mean-for-your-business		zh_TW