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    請使用永久網址來引用或連結此文件: https://irlib.pccu.edu.tw/handle/987654321/51290


    題名: 通訊交易消費者保護及紛爭解決機制之研究
    A Research on Both Consumer Protection and Dispute Resolution of Distance Sales
    作者: 王法
    貢獻者: 法律學系
    關鍵詞: 消費者
    通訊交易
    資訊義務
    無條件解除權
    紛爭解決
    Consumer
    Communication transaction
    Information obligation
    Unconditional right of termination
    Dispute resolution
    日期: 2022
    上傳時間: 2023-03-03 10:05:18 (UTC+8)
    摘要: 受疫情的影響,近幾年民眾有傾向以網路電子商務或行動商務消費的習慣。通訊科技的進步帶動遠距離通訊交易的興起,消費者看似除了市場或店舖等傳統實體交易,有更多的交易方式選擇,然而業者以遠距離方式所為之銷售,消費者僅能片面接受業者以通訊科技告知交易的商品或服務資訊,做為締約意思之決定,消費者與企業經營者間的資訊地位極不平衡,所衍生之消費爭議更是層出不窮。行政院消保處統計資料可發現,近兩年的網路購物平台,或行動商務如外送等消費爭議逐年增加,顯現通訊交易的消費爭議已經到了應被重視的程度。此外,消費爭議是民事爭議之一種,傳統在處理民事爭議的方式上,不外乎以法院調解、訴訟方式處理,然而在通訊交易此種涉及爭議標的金額普遍較低、案件類型單一且案件量龐大的生活型消費爭議,傳統的紛爭解決機制顯然已經無法滿足爭議雙方紛爭解決之需求。本就處於資訊不對等而容易產生爭議之通訊交易,紛爭解決所需付出之成本又與爭議金額相差甚鉅的情況下,消費者對於紛爭解決的意願將會降低,導致為於通訊交易市場的不信任,從而造成產業發展的困境。因此通訊交易在保護法制上的探討及新紛爭解決方式的探索,是消費者保護的重要方向。
      本文的研究方向是,通訊交易在消費者保護法制上的方式及發展,與通訊交易紛爭解決機制。首先釐清通訊交易的特殊性及容易引發爭議的原因在於交易雙方資訊不對等,從而探討保護方式在「資訊地位的平衡」的議題上,並帶出通訊交易消費者保護的兩種模式:締約前「資訊模式」及締約後「保護模式」。介紹我國消保法上對於兩種模式的立法及修正,並比較歐盟及中國大陸在通訊交易上的消費者保護法制不同之處,加以分析。
      我國消費爭議紛爭解決機制以法院訴訟及調解、鄉鎮市區公所調解、消保法申訴調解方式為主,相對於法院訴訟調解需要經過冗長訴訟程序,鄉鎮市區公所的調解及消保法的申訴調解較為簡便,然而即便是申訴調解也都需要雙方於實體會議上面對面協商合意(ADR程序),仍需要爭議雙方耗費時間成本,故國際上發展的線上紛爭解決機制(ODR),期望與通訊交易對等的採用通訊科技方式彌平爭議,以促進雙方紛爭解決之意願。國外法制參考上有歐盟的ODR條例及美國民間及政府行之有年的線上紛爭解決平台,在線上紛爭解決制度設計及平台設計方式上,有一定的參考價值。

    Affected by the epidemic, people have tended to consume on online e-commerce or mobile commerce in recent years. The progress in communication technology have led to the rise of long-distance communication transactions. Consumers seem to have more options for trading than traditional brick-and-mortar transactions such as markets or stores. However, if the operator sells the goods or services over a long distance, the consumer can only unilaterally accept the information that the operator has informed of . The information status between consumers and business operators is extremely unbalanced. The consumer disputes are endless.
    According to the statistics of the Consumer Protection Department of the Executive Yuan in the past two years, consumer disputes such as online shopping platforms or mobile business have increased year by year. It shows that the consumer controversy of communication transactions should be taken seriously. In addition, consumer disputes are one type of civil disputes. The way to handle civil disputes concludes court mediation and litigation. The kind of consumer disputes involves generally in low amount of money as well as single case type and a large caseload. It is clear that the traditional mechanism of the dispute resolution can no longer meet the needs. The operators and consumers are not equal. The cost to resolve the dispute is much more than the amount in dispute. The consumers are unwilling to resolve disputes. It leads to consumer’s distrust in the communications trading market and difficulties of this industrial development. It is very important for consumer protection to discuss the legal system and to explore new methods of dispute resolution .
    The research direction of this paper is to discuss the method and development of communication transactions in the consumer protection legal system and the dispute resolution mechanism of communication transactions. First of all, we have to know the particularity of communication transactions and the reasons that are prone to disputes are that the information of both parties to the transaction is not equal. We also explore the issue of "balance of information status" in terms of protection methods and bring out two models of user protection for communication transactions. In addition to introducing the legislation and amendments to the two models in Taiwan's consumer protection law, we compare and analyze the differences between the consumer protection laws of the EUROPEAN Union and China in communication transaction.
    Taiwan's mechanism of consumer dispute resolution is mainly based on the court litigation and mediation, the mediation by township and municipal offices and the mediation by consumer protection law. Compared to the lengthy litigation procedures required for court litigation mediation, the mediation of township and urban public offices and the mediation of the appeal under the Consumer Protection Law are relatively simple. However, the mediation of the appeal requires the parties to negotiate face-to-face at a physical meeting (ADR procedure). It still requires time and cost for both parties to deal with their dispute. Therefore, the internationally developed mechanism of online dispute resolution (ODR) is expected to use communication technology to settle disputes on an equal footing with communication transactions. And to promote the willingness of both parties to resolve disputes. Foreign legal references including the European Union's ODR regulations and the US non-governmental and government-based online dispute resolution platforms have certain reference values in the design of online dispute resolution systems.
    顯示於類別:[法律學系暨法律學研究所] 博碩士論文

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