智能理財之研究 - 以 A 銀行法令遵循及法律責任風險為核心

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Title:	智能理財之研究 - 以 A 銀行法令遵循及法律責任風險為核心
Authors:	劉奕嫻;LIU, YI-HSIEN
Contributors:	產業經濟研究所
Keywords:	智能理財（機器人理財）;受任人義務;法令遵循;金融科技;演算法;Robo-Adviser;Fiduciary Duty;Compliance;FinTech;Algorithm
Date:	2024-06-11
Issue Date:	2024-10-09 16:25:48 (UTC+8)
Publisher:	國立中央大學
Abstract:	本研究主要探討智能理財之銀行業法令遵循及法律責任風險，並以受任人義務為研究核心。隨著智能理財業務的蓬勃發展，為使智能理財服務有更多操作空間並「讓機器人更靈活」，以利相關業務推展，金管會已於 2024 年 02 月 27 日修正「證券商管理規則」第 37 條及「證券商負責人與業務人員管理規則」第 18 條，其相關法令規範之遵循及客戶權益之保障均為日後業者所應關注之重點。本文採文獻分析法研究智能理財之相關法令規範、主管機關報告及國內外學術期刊論文；另以比較分析法參酌美國及新加坡之智能理財規範加以比較台灣現行規範狀況；以個案研究法探討各家銀行智能理財條款及實務加以研究。並提出告知義務履行之前置化、契約審閱期間之合理化及風險變動通知之明確化三項銀行可針對現行規範的改善建議，以及參酌外國法提出加強提醒投資人注意相關風險的立法建議。期能藉由本研究的歸納銀行於發展智能理財業務時所應遵循之各項法令規範，釐清銀行所應負擔之法律責任，以利日後杜絕紛爭。;This study focuses on the compliance and liability risks of Robo-Adviser in the banking industry, with fiduciary duty as the core of the study. With the prosperous development of Robo-Adviser business, the Financial Supervisory Commission R.O.C. (FSC) has amended Article 37 of “Rules Governing Securities Firms” and Article 18 of “Rules on Responsible Persons and Responsible Officers of Securities Firms” on February 27, 2024 to give more opportunity for the operation of the Robo-Adviser service and to “make the robots more flexible” to facilitate the promotion of the related business. The compliance with the relevant laws and regulations and the protection of clients′ rights and interests will be the key concerns of the industry in the future. This paper adopts document analysis to study the relevant laws and regulations on Robo-Adviser, reports from authorities and articles from domestic and foreign academic journals; comparative analysis approach is used to compare the current regulation of Robo-Adviser in Taiwan with the Robo-Adviser regulations in the United States and Singapore; case study research to explore the Robo-Adviser terms and practices of various banks. The study also proposes three recommendations for banks to improve the existing regulations, namely, prioritization of the notification obligation, rationalization of the contract review period, and clarification of the notification of changes in risk, as well as legislative proposals to enhance the reminding of investors of the relevant risks with reference to foreign laws. It is hoped that this study will summarize the laws and regulations that banks should comply with when developing Robo-Adviser business, and clarify the legal liabilities that banks should bear, so as to eliminate disputes in the future.
Appears in Collections:	[Graduate Institute of Industrial Economics] Electronic Thesis & Dissertation

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