- 英文摘要
- The concept of financial inclusion means individuals have access to
affordable financial products and services that meet their needs with dignity.
Such concept has been highly discussed both internationally and
domestically. That shows how important the concept of financial inclusion
is. In recent years, due to the rise of Fin Tech, it brings a new hope to
facilitate the goal of financial inclusion. However, at the same time, the
broad use of Fin Tech also raised some concerns regarding new kind of
financial exclusion. As a result, this article emphasizes on the consumer
protection concerns under Fin-Tech lending, and analyses the U.S. uses of
federal lending laws/regulations and approaches to dealing with such new
kind of financial exclusion. Lastly, in comparison with the U.S. laws, this
article examines the existing financial consumer protection laws and
regulations in Taiwan, and provides suggestions on the reform of Taiwanese
financial consumer protection laws.
- 目次
- 壹、問題意識
貳、普惠金融浪潮的興起
一、普惠金融內涵及其作用
二、金融科技對普惠金融目標帶來之新突破
參、金融科技的兩面刃－新型態金融排擠的出現
一、何謂金融排擠（Financial Exclusion）
二、金融科技運用下金融排擠的新風險
肆、金融排擠的防免之道：以美國之立法與對策為討論中心
一、聯邦法制的觀察－Truth in Lending Act、Fair Credit Reporting
Act、Fair Equal Opportunity Act
（一）借貸真相法（Truth in Lending Act）
（二）公平信用報告法（Fair Credit Reporting Act）
（三）平等信用機會法（Equal Credit Opportunity Act）
（四）本文分析
二、讓陽光照進演算法黑箱？－可解釋的人工智慧（Explainable AI
）與反事實解釋（Counterfactual）之倡議
（一）可解釋的演算法與人工智慧（Explainable Algorithm & AI）
（二）反事實解釋（Counterfactual Explanation）
（三）本文分析
三、小結
伍、普惠金融應從金融消費反歧視法制做起－我國法制現況檢視與
反思
一、我國普惠金融之定位與金融科技政策之現狀
二、我國金融消費者的保護法制之檢視－以借貸領域為核心
（一）放貸者之告知義務
（二）信用報告之維護機制
三、遺留的保護傘－我國金融消費者反歧視機制之建置必要性？
陸、結論
