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題名：論機器人投資顧問之興起與投資人之保護--以美國法為中心
書刊名：東吳法律學報
作者：周振鋒 引用關係
作者(外文)：Chou, Cheng-fong
出版日期：2019
卷期：30:4
頁次：頁69-107
主題關鍵詞：機器人投資顧問；金融科技；證券投資信託及顧問法；適合性義務；揭露義務；利益衝突；受任人義務；Robo-advisors；FinTech；Securities Investment Trust and Consulting Act；Suitability duty；Duty to disclose；Conflict of interest；Fiduciary duty
原始連結：連回原系統網址new window
相關次數：
  • 被引用次數被引用次數:期刊(4) 博士論文(0) 專書(0) 專書論文(0)
  • 排除自我引用排除自我引用:4
  • 共同引用共同引用:21
  • 點閱點閱:5
機器人投資顧問係指一種網路投資平台或設計，藉線上問卷方式由投資人自行輸入資料，進而利用演算法與資產配置模型分析，建議投資人合適的證券投資標的與組合，自動將客戶資金配置於其所建議之投資組合，並持續管理帳戶資產，服務提供過程中極少或全無人類涉入。此種新興產業對傳統的投資建議傳送模式已造成相當大衝擊。但由於服務過程中全無或極少人力參與，是否能在既有以人為規範對象之法規妥適地經營，即產生不少疑問。本文擬研析美國法下實務發展經驗與學術討論，深入了解機器人投資顧問所面臨之運作與法規挑戰，同時藉此探討我國機器人投資顧問發展與管制之可能方向。
Robo-advisors operate in a digital platform or device using online algorithmic-based programs to provide asset management services by generating a portfolio for the client and subsequently managing the client's account. Many robo-advisors provide investment advice directly to the client with limited direct human interaction or even without any human intervention. This might be a question for robo-advisors how and whether they discharge their duties owed to their clients under the existing body of regulations. This Article is expected to have a comprehensive analysis of robo-advisors based on the experience and law in the U.S. and to provide some insights into possible policy about how to regulate Taiwan's robo-advisors in the future.
期刊論文
1.劉連煜(20020100)。論美國有關證券投資信託公司與證券投資顧問事業之規範與對我國之啟示。月旦法學雜誌，80，154-172。new window  延伸查詢new window
2.陳肇鴻(20110400)。由比較法觀點論金融機構之適當性義務。軍法專刊，57(2)，75-98。new window  延伸查詢new window
3.林仁光(20051100)。論證券業對客戶資訊揭露之規範--以風險預告與客戶投資適合性之判斷法則為核心。月旦法學，126，31-47。new window  延伸查詢new window
4.Paredes, Troy A.(2003)。Blinded by the Light: Information Overload and its Consequences for Securities Regulation。Washington University Law Quarterly，81(2)，417-486。  new window
5.Magnuson, William J.(2018)。Regulating Fintech。Vanderbilt Law Review，71(4)，1167-1226。  new window
6.吳盈德(20170800)。創新金融科技與洗錢防制趨勢。月旦法學，267，19-29。new window  延伸查詢new window
7.林育廷(20081200)。證券從業人員之專業責任--Brokers or Advisers?。月旦民商法雜誌，22，77-95。  延伸查詢new window
8.Scherer, Matthew U.(2016)。Regulating Artificial Intelligence Systems: Risks, Challenges, Competencies, and Strategies。Harvard Journal of Law & Technology，29(2)，353-400。  new window
9.張向宜(20160500)。從AI人工智慧與機器人理財顧問發展，探討數位金融下之證券商人員轉型之路。證券公會季刊，2，28-37。  延伸查詢new window
10.黃良瑞、林郁珊(20161000)。自動化投資理財顧問(Robo-Advisor)之發展。證券暨期貨月刊，34(10)，16-24。  延伸查詢new window
11.Laby, Arthur B.(2010)。Fiduciary Obligations of Broker-Dealers and Investment Advisers。Villanova Law Review，55(3)。  new window
12.Barbash, Barry P.、Massari, Jai(2008)。The Investment Advisers Act of 1940: Regulation by Accretion。Rutgers law journal，39(3)，627-656。  new window
13.Edwards, Benjamin P.(2017)。Conflicts and Capital Allocation。Ohio State Law Journal，78。  new window
14.Edwards, Benjamin P.(2017)。The Professional Prospectus: A Call for Effective Professional Disclosure。Washington and Lee Law Review，74(3)。  new window
15.Strzelczyk, Bret E.(2017)。Rise of the Machines: The Legal Implications for Investor Protection with the Rise of Robo-Advisors。DePaul Business and Commercial Law Journal，16(1)。  new window
16.Carney, Caelian(2018)。Robo-Advisers and the Suitability Requirement: How They Fit in the Regulatory Framework。Columbia Business Law Review，2018(2)，586-616。  new window
17.Karnow, Curtis E. A.(1996)。Liability for Distributed Artificial Intelligences。Berkeley Technology Law Journal，11(1)。  new window
18.Jackson, Howell E.(1999)。Regulation in a Multisectored Financial Services Industry: An Exploratory Essay。Washington University Law Quarterly，77(2)，319-398。  new window
19.Douglas, John L.、Grinberg, Reuben(2016)。Old Wine in New Bottles: Bank Investments in Fintech Companies。Review of Banking & Financial Law，36，667-711。  new window
20.Lightbourne, John(2017)。Algorithms & Fiduciaries: Existing and Proposed Regulatory Approaches to Artificially Intelligent Financial Planners。Duke Law Journal，67(3)，651-679。  new window
21.Wrona, James S.(2012)。The Best of Both Worlds: A Fact-Based Analysis of the Legal Obligations of Investment Advisers and Broker-Dealers and a Framework for Enhanced Investor Protection。Business Lawyer，68(1)，1-56。  new window
22.Lowenfels, Lewis D.、Bromberg, Alan R.(1999)。Suitability in Securities Transactions。Business Lawyer，54(4)，1557-1597。  new window
23.Tertilt, Michael、Scholz, Peter(2018)。To Advise, or Not to Advise-How Robo-Advisors Evaluate the Risk Preferences of Private Investors。Journal of wealth management，21(2)，70-84。  new window
24.Ji, Megan(2017)。Are Robots Good Fiduciaries? Regulating Robo-Advisors Under the Investment Advisers Act of 1940。Columbia Law Review，117(6)，1543-1583。  new window
25.Iannarone, Nicole G.(2018)。Computer as Confidant: Digital Investment Advice and the Fiduciary Standard。Chicago-Kent Law Review，93(1)。  new window
26.Bakhtiari, Ryan K.(2013)。The Time for a Uniform Fiduciary Duty Is Now。St. John's Law Review，87(2)。  new window
27.Baker, Tom、Dellaert, Benedict G. C.(2018)。Regulating Robo Advice Across the Financial Services Industry。Iowa Law Review，103(2)，713-750。  new window
研究報告
1.谷湘儀(2016)。機器人投資顧問國外實務及相關法令與管理措施之研究。  延伸查詢new window
2.國立臺北商業大學(2017)。我國金融科技之發展--從國際觀點分析金融服務相關法規研究報告。  延伸查詢new window
3.陳安斌、陳莉貞、蘇秀玲、郭怡君(2018)。我國發展機器人理財顧問之研究。財團法人中華民國證券暨期貨市場發展基金會。  延伸查詢new window
4.Thierer, Adam、O'Sullivan, Andrea Castillo、Russell, Raymond(2017)。Artificial Intelligence and Public Policy。Mercatus Center at George Mason University。  new window
圖書
1.余雪明(2016)。證券交易法--比較證券法。余雪明。  延伸查詢new window
2.李開復、王詠剛(2017)。人工智慧來了。遠見天下文化。  延伸查詢new window
3.王文宇(2016)。金融法。元照。  延伸查詢new window
4.王志誠(2017)。現代金融法。元照。  延伸查詢new window
5.李彥宏(2017)。智能革命：迎接AI時代的社會、經濟與文化變革。天下文化。  延伸查詢new window
6.谷湘儀、協和國際法律事務所(2017)。金融科技發展與法律。五南。  延伸查詢new window
7.Barr, Micheal S.(2016)。Financial Regulation: Law and Policy。  new window
8.Hazen, Thomas Lee(2011)。Broker-Dealer Regulation in A Nutshell。  new window
9.Massachusetts Securities Division(2016)。Policy Statement: Robo-Advisers and State Investment Adviser Registration。  new window
10.SEC, Office of Investor Education and Advocacy(20170223)。Investor Bulletin: Robo-Advisers。  new window
11.Stein, Kara M.(20151109)。Surfing the Wave: Technology, Innovation, and Competition。  new window
12.Russell, Stuart J.、Norvig, Peter(2010)。Artificial Intelligence: A Modern Approach。Upper Saddle River, New Jersey：Pearson Education, Inc.。  new window
單篇論文
1.Fein, Melanie L.(2015)。Robo-Advisors: A Closer Look，https://ssrn.com/abstract=2658701。  new window
其他
1.沈庭安(20170905)。靈活IT 架構和平臺式收費，王道以體驗和速度搶攻百萬小資族，https://www.ithome.com.tw/news/116568。  延伸查詢new window
2.任珮云(20170713)。大拇哥，台首家機器人投顧，https://m.ctee.com.tw/focus/jj/155287。  延伸查詢new window
3.孫彬訓(20170928)。復華投信首創本土理財機器人，http://www.chinatimes.com/newspapers/20170928000305-260208。  延伸查詢new window
4.彭禎伶，魏喬怡(20170811)。金管會開放機器人可提供理財建議，https://m.ctee.com.tw/focus/cjzc/158060。  延伸查詢new window
5.魏喬怡，彭禎伶(20170419)。機器人理財5家業者搶灘，http://www.chinatimes.com/newspapers/20170419000095-260205。  延伸查詢new window
6.王孟倫(20170809)。機器人理財進化！ 金管會開放「自動執行」再平衡交易，http://news.ltn.com.tw/news/business/breakingnews/2159334。  延伸查詢new window
7.陳慧菱(20170926)。金融科技理財正夯復華投信一口氣推2款機器人富邦證券攜手MIT合作，https://fnc.ebc.net.tw/FncNews/Content/6998。  延伸查詢new window
8.(20170928)。工作忙碌者必看！ 善用理財機器人， 原來投資可以那麼省時有效率，https://www.managertoday.com.tw/articles/view/55096。  延伸查詢new window
9.邱金蘭(20180403)。機器人理財將可全委投資，https://money.udn.com/money/story/5613/3066653。  延伸查詢new window
10.項家麟(20170904)。富邦理財機器人實現普惠金融，https://money.udn.com/money/story/5636/2680464。  延伸查詢new window
11.陳慧菱(20171109)。大拇哥投顧基金平台全面開放標榜可評估「未來」績效，https://news.cnyes.com/news/id/3960836。  延伸查詢new window
12.王妍文(20171113)。AI 輔助理財--小資族敲開投資大門，https://www.gvm.com.tw/article.html?id=40968。  延伸查詢new window
13.陳映璇(20180403)。不只是顧問而已，台灣機器人理財將可「全委投資」，實現AI理財自動化，https://www.bnext.com.tw/article/48720/taiwan-develop-robo-advisor--。  延伸查詢new window
14.Fisch, Jill E.，Turner, John A.(2017)。Robo Advisers vs. Humans: Which Make the Better Financial Advisers?，https://housefinance.dauphine.fr/fileadmin/mediatheque/houseoffinance/documents/international_pension_workshop/15th_workshop/Turner.pdf。  new window
15.Fisch, Jill E.，Laboure, Marion，Turner, John A.(2017)。The Economics of Complex Decision Making: The Emergence of the Robo Adviser，http://www.geog.ox.ac.uk/events/170911/Robo-vs-Human-Advisers-Aug-28.pdf。  new window
16.Fein, Melanie L.(2017)。Are Robo-Advisors Fiduciaries?，https://ssrn.com/abstract=3028268。  new window
17.Fein, Melanie L.(2017)。How Are Robo-Advisors Regulated?，https://ssrn.com/abstract=3028232。  new window
18.Calo, Ryan(2017)。Artificial Intelligence Policy: A Primer and Roadmap，https://ssrn.com/abstract=3015350。  new window
19.Ringe, Wolf-Georg Ringe，Ruof, Christopher(2018)。A Regulatory Sandbox for Robo Advice，https://papers.ssrn.com/sol3/papers.cfm? abstract_id=3188828。  new window
20.(2015)。The Rise of Robo-Advice 2015，https://www.accenture.com/_acnmedia/PDF-2/Accenture-Wealth-Management-Rise-of-Robo-Advice.pdf。  new window
21.(20150508)。Investor Alert: Automated Investment Tools，https://www.sec.gov/oiea/investor-alerts-bulletins/autolistingtoolshtm.html,。  new window
22.(2016)。Digital Investment Advice: Robo Advisers Come of Age，https://www.blackrock.com/corporate/en-mx/literature/whitepaper/viewpoint-digital-investment-advice-september-2016.pdf。  new window
23.(20170804)。People have invested £260 million with robo-advisor Moneyfarm，http://uk.businessinsider.com/moneyfarm-2016-accounts-260-millionaum-6-million-loss-2017-8。  new window
24.(20170426)。The US still has the robo-advisor lead，http://www.businessinsider.com/the-us-still-has-the-robo-advisor-lead-2017-4。  new window
25.(2016)。The Expansion of Robo-Advisory in Wealth Management，https://www2.deloitte.com/content/dam/Deloitte/de/Documents/financial-services/Deloitte-Robo-safe.pdf。  new window
26.(2016)。Investors in the United States 2016，http://www.usfinancialcapability.org/downloads/NFCS_2015_Inv_Survey_Full_Report.pdf。  new window
27.(20160727)。Robo-Advice Still a Novelty for U.S. Investors，http://www.gallup.com/poll/193997/robo-advice-novelty-investors.aspx。  new window
28.International Organization of Securities Commissions(2014)。Report on the IOSCO Social Media and Automation of Advice Tools Surveys，http://www.iosco.org/library/pubdocs/pdf/IOSCOPD445.pdf。  new window
29.(2015)。Hype vs. Reality: The Coming Waves of "Robo" Adoption，https://www.atkearney.com/documents/10192/7132014/Hype+vs.+Reality_ The+Coming+Waves+of+Robo+Adoption.pdf/9667a470-7ce9-4659-a104-375e4144421d。  new window
30.(2017)。Guidance Update: Robo-Advisors，https://www.sec.gov/investment/im-guidance-2017-02.pdf。  new window
31.(2017)。Examination Priorities for 2017，https://www.sec.gov/about/offices/ocie/national-examination-program-priorities-2017.pdf。  new window
32.Tergesen, Anne(20151211)。Robo Advisers Seen Exploding in Popularity，http://www.wsj.com/articles/robo-advisers-seen-exploding-in-popularity-1449860367。  new window
33.White, Mary Jo(20160331)。Keynote Address at the SEC-Rock Center on Corporate Governance Silicon Valley Initiative，https://www.sec.gov/news/speech/chair-white-silicon-valley-initiative-3-31-16.html。  new window
 
 
 
 
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