<SPAN style="FONT-SIZE: 18pt; COLOR: blue; FONT-FAMILY: 標楷體; mso-bidi-font-family: Arial"><SPAN>
<P class=MsoNormal style="MARGIN: 0pt; TEXT-ALIGN: center" align=center><SPAN><STRONG>旺旺友聯產物保險公司違反保險法令裁罰案<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0pt"><FONT size=3><FONT color=#000000><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman'">【</SPAN><?xml:namespace prefix = st1 ns = "urn:schemas-microsoft-com:office:smarttags" /><st1:chsdate w:st="on" Year="2011" Month="10" Day="6" IsLunarDate="False" IsROCDate="False"><SPAN lang=EN-US style="FONT-FAMILY: Arial">2011-10-06</SPAN></st1:chsdate><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">／金管會</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman'">】</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial; mso-hansi-font-family: 'Times New Roman'"><o:p></o:p></SPAN></FONT></FONT></P>
<P class=MsoNormal style="MARGIN: 0pt; TEXT-INDENT: 24pt; mso-char-indent-count: 2.0"><FONT size=3><FONT color=#000000><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">行政院金融監督管理委員會（以下簡稱金管會）今日決議對旺旺友聯產物保險股份有限公司作出處分，金管會於</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">99</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">年一般業務檢查時，發現該公司有違反強制汽車責任保險法、保險法及臺灣地區與大陸地區人民關係條例相關規定之情事，共計核處罰鍰新臺幣</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">554</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">萬元整。</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></FONT></FONT></P>
<P class=MsoNormal style="MARGIN: 0pt 0pt 0pt 48pt; TEXT-INDENT: -24pt; mso-char-indent-count: -2.0; mso-para-margin-left: 2.0gd"><FONT size=3><FONT color=#000000><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">一、裁罰時間：</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">100</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">年</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">10</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">月</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">6</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">日</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></FONT></FONT></P>
<P class=MsoNormal style="MARGIN: 0pt 0pt 0pt 48pt; TEXT-INDENT: -24pt; mso-char-indent-count: -2.0; mso-para-margin-left: 2.0gd"><FONT size=3><FONT color=#000000><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">二、受裁罰之對象：旺旺友聯產物保險股份有限公司</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></FONT></FONT></P>
<P class=MsoNormal style="MARGIN: 0pt 0pt 0pt 48pt; TEXT-INDENT: -24pt; mso-char-indent-count: -2.0; mso-para-margin-left: 2.0gd"><FONT size=3><FONT color=#000000><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">三、裁罰之法令依據：強制汽車責任保險法第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">27</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">條第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">2</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">項及第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">46</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">條、保險法第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">144</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">條第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">1</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">項、第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">146</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">條之</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">7</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">3</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">項及第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">148</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">條之</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">3</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">2</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">項，暨臺灣地區與大陸地區人民關係條例第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">36</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">條第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">3</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">項規定。</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></FONT></FONT></P>
<P class=MsoNormal style="MARGIN: 0pt 0pt 0pt 48pt; TEXT-INDENT: -24pt; mso-char-indent-count: -2.0; mso-para-margin-left: 2.0gd"><FONT size=3><FONT color=#000000><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">四、違反事實理由及裁罰結果：該公司辦理強制汽車責任保險理賠業務，對受害人自行負擔之病房費差額給付有未符規定辦理，與「強制汽車責任保險給付標準」第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">2</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">條及「強制汽車責任保險承保及理賠作業處理辦法」第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">6</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">條規定不符；承保個人保件有以團體保險費率計收保險費、承保保險代理人公司自製未報經金管會核准或備查之要保書招攬保險案件，及承保財團法人車輛研究測試中心之測試車輛保險契約之汽車戶外測試險條款未報經金管會核准或備查，與「保險商品銷售前程序作業準則」第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">15</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">條或第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">20</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">條規定不符；辦理營業用大客車（遊覽車）保險理賠業務有未依保險契約辦理理賠，且該保險業務之理賠處理程序有未符內部控制之情事，與行為時「保險業招攬及核保理賠辦法」第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">14</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">條規定不符；對與大陸地區保險業為再保險業務往來，有未事前檢具相關文件向主管機關申請許可，且嗣後雖經核准，亦未於每年度結算日起</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">3</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">個月內將業務情形彙報主管機關，與「臺灣地區與大陸地區保險業務往來及投資許可管理辦法」第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">12</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">條及第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">13</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">條規定不符；暨購買利害關係人在臺發行之存託憑證未報經董事會特別決議同意之情事，與「保險業與利害關係人從事放款以外之其他交易管理辦法」第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">4</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">條第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">1</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">項規定不符，應依強制汽車責任保險法、保險法及臺灣地區與大陸地區人民關係條例規定，共計核處罰鍰新臺幣</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">554</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">萬元整。</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></FONT></FONT></P>
<P class=MsoNormal style="MARGIN: 0pt 0pt 0pt 48pt; TEXT-INDENT: -24pt; mso-char-indent-count: -2.0; mso-para-margin-left: 2.0gd"><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial"><FONT color=#000000 size=3>五、其他說明事項：金管會呼籲，保險業辦理強制汽車保險業務、保險業務及與大陸地區保險業務往來應確實依強制汽車責任保險法、保險法及臺灣地區與大陸地區人民關係條例相關規定辦理，並應加強公司治理、法令遵循及內部控管，以共同維護保險市場秩序。</FONT></SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0pt; TEXT-ALIGN: center" align=center></SPAN></SPAN></P>