A Legal Study on the Sale of Investment-Oriented Insurance Product through Banks
| Autor: | Chia-Ling Hsieh, 謝嘉玲 |
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| Rok vydání: | 2007 |
| Druh dokumentu: | 學位論文 ; thesis |
| Popis: | 95 “Investment-oriented Insurance Products” is an all-round insurance product that is developed from life insurance products. It has the function of insurance, investment, and money management through the combination of securities investment and assets management in a triad way. An insurance formulation and an investment are totally different things that take different time and need to discuss with different people to complete it, but Investment-oriented Insurance Products can accomplish the goal of insurance and money management through combining above two things without taking much time on many people. The meaning of investment-oriented insurance products is the integration of derivative instruments, and it also means the gap between professional works become smaller and homogeneity. In order to provide parti-colored financial products, service, and get the maximum profit, the financial institutions make up some big financial groups through strategic alliance, M&A, and investing to the subsidiaries. Our country adopts the same way of control as United States of America ; that is, opening up the financial institutions to establish legal Financial Holding Companies, and apply to every professional work. The age of financial diversification is already coming. However, the disadvantaged financial consumers cannot really understand how to deal with the multifarious products when they face them. Therefore, how to counterbalance the discrepancy between financial dealers and the customers becomes the main problem of marketing the products. This text is talking about the customers do not really figure out the structure of investment-oriented insurance and the relationship of law while they are buying the insurance through banks; they even do not know the investment-oriented insurance they bought is the product from another insurance company. In order to clear the investment -oriented insurance’s relationship of law, the relationship of right and obligation between banks and investors or customers up, I try to structure the investment-oriented insurance’s basic relationship of law, and make a thorough inquiry about the position of selling investment-oriented insurance, and then provide “dos and don’ts” solving methods. Finally, we should reflect on the insufficiency of financial law to look forward to provide a fair, reasonable environment for those people who bought the investment -oriented insurance. |
| Databáze: | Networked Digital Library of Theses & Dissertations |
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