金融商品複雜化及專業化，常產生金融服務業者與金融消費者資訊不對稱之情形，於保險業中保險人及保險中介人，對於被保險人亦具有此種資訊不對稱之狀態，與金融消費者權益保護息息相關，顯見保險業於資訊提供義務管制機制具相當之重要性。台灣近年來因消費者保護意識高漲，復受世界金融危機影響，在2011年6月29日制定「金融消費者保護法」。就保險業推銷金融商品之態樣，又以保險人與保險中介人最具代表性，金融消費者保護法於行銷行為、告知說明義務與適合性義務之管制已逐漸建構完全，是否能以更多元的角度觀察保險業之管制機制概念，或能建構更完善的金融消費者保護制度，即成為本論文探討的重要方向。故本文擬就相關問題加以討論，並提出建言做為未來修法方向。;The complex and specified financial products usually brings about the situation of information asymmetry between the financial service providers and the financial consumers. The said situation could be seen between the insurers or agents/brokers and the insured in the insurance industry and is closely with the rights and interests of financial Consumers. Thus, it is apparent that the control mechanism is quiet important for the financial industries to have the obligation to provide the information to the insured. Due to the rising consumer awareness of protection in Taiwan in recent years and by the effect of the world financial crisis, the Financial Consumer Protection Act was established on 29th June 2011 in Taiwan. Among the modes of selling the financial products in the insurance industry, the insurers and the insurance intermediaries are the most representative modes. Financial Consumer Protection Act in the marketing behaviors, Disclosure and Representations Obligation and Suitability Obligation controls have gradually constructed entirely. Whether we should take the multi-angle observation of the control mechanisms of the insurance industry or should we establish a more refined financial consumer protection system has become the important directions of this paper to explore. In this paper, we will discuss the above relevant issues and provide the recommendations for the direction of amending the law in the future.
