个人信用资讯于个人财产保险核保上使用的妥当性-东海大学法律学院.DOCVIP

論個人信用資訊於核保監理-(、李志峰** 目 次 前言個人信用資訊之功能 一、概說 個人信用資訊功能 個人信用資訊與核保關聯性 核保上使用個人信用資訊辨正及理由 一、使用個人信用資訊正、反雙方之辨正 二、 三、小結肆、美國立法現況 一、概說 二、聯邦法 三、州法規範 四、小結 伍、我國監理制度之建構—結論與建議 一、我國現況 二、建議 中文關鍵詞： 消費者保護、信用資訊、信用分數、財產保險、核保、危險估計、平等原則 Key Words： Consumer Protection, Credit Information, Credit Score, Property Insurance, Underwriting, Risk Appraisal, Principle of Equity 中文摘要 Abstract Individual credit information is the results of financial management and consumers’ own choices and is able to assist the insurer to achieve risk appraisal more accurate in property insurance of personal lines. By its very nature, insurance is a system to discriminate risks among different classes of individuals. Any factors relevant to the assessment of the risks transferred from the policyholders should be supplied to the insurer for the risk underwriting. In the United States, due to some malpractices from the use of credit information in the insurance sector, some groups of specific minor races and low-incomes are discriminated by the negative effect from their credit information. As a result, from the view of consumer protectionists, it is argued to prohibit completely the use of individual credit information in personal property insurance. In addition to reviewing the assenting and dissenting views respectively, this paper explores the legality issue and justification of the use of individual credit information in personal property insurance, based on the nature of insurance and principle of equity. Furthermore, it studies and analyzes the current existing relevant law and regulation in the United States. By reference to the U.S. model, certain potential failures in Taiwan are identified and recommendations in regulation and legislation are submitted to the regulatory authorities for the system design in the future. 參考文獻 一、中文  江朝國，論我國保險法第六十四條據實說明義務之規定–以對價平衡之概念，保險法論文集（一），，1993年7月頁137-169。(– Based on the Concept of Consideration, in Insurance Law Symposium I, Jui Hsing, Jul., 1993, pp.137-169.) 