二○一五年新修正臺灣保險法關於保險經紀人義務相關規定之評析

Critical Analyses on the 2015 Amendment of the Taiwan Insurance Act Regarding Duties of Insurance Brokers

為強化保險業退場機制，落實引導保險業參與公共及社會福利事業之投資，提升精算簽證報告之品質及可信度，督促保險業確實遵循內部控制及稽核制度，以及開放銀行業兼營保險代理人或保險經紀人業務並定明其管理規範等，「保險法部分條文修正草案」，經立法院通過，並由總統於一○四年二月四日公布。其中，新修正之第一六三條第六～八項將保險經紀人之善良管理人注意義務、忠實義務及說明義務內容予以具體明文，「保險經紀人管理規則」亦焉之配合修正。本文擬就關於保險經紀人義務之修法內容、立法歷程、立法理由為研析，並就新法之優劣，自理論與比較法觀點為評析，俾為來日相關規定之再修正之參酌。

For the purpose of enhancing the mechanism of insurance companies’ market exit and investment activities in social welfare business, improving the accountability of insurance companies, assuring the implementation of insurance companies’ internal control mechanism, and permitting banks to conduct insurance brokerage business, the Draft of Amendments of Insurance Act was passed by the Legislative Yuan and promulgated by the President on February 4th 2014. Amongst all amended articles, Section 6 to 8 of Article 168 that impose upon insurance brokers duty of care and duty of loyalty. The Regulation on the Administration of Insurance Brokers was also amended by the Financial Supervisory Commission accordingly. First, this research attempts to probe into the context, legislative history and rational of the amendments regarding the duties of insurance brokers. Then, a critical analysis on the merits and demerits of such amendment will be provided based on the perspectives of fundamental theory on insurance and comparative law. Ultimately, this research will offer proposals for further amendments necessary.