防火牆是現今網路中的重要設備，負責區隔內部網路和公共網路，維護內部網路安全。然而防火牆也存在幾個重要的問題，首先，防火牆的規則是由網管人員設定，近年來隨著網路科技蓬勃發展、虛擬技術大量應用，此項工作已帶給網管人員龐大的負擔。其次，防火牆雖可隔離外部網路，阻擋有害流量，但對內部網路的防範卻毫無用武之地。目前市面上普遍使用入侵偵測系統(IDS)進行偵測，但僅能在發現攻擊行為後發出警告訊息，無法即時處理。最後，企業在連外網路部分，通常採用多條線路進行備援，並倚賴多路頻寬負載平衡器(Multi-WAN load balancer)增加頻寬的使用率，但在線路數量上卻受限於廠商所制定之規格，無法彈性調整。而在負載平衡演算法方面，也只能基於網路特徵(IP位置)、權重比例(weight)或是輪詢機制(round robin)，無法依據目前網路狀況做出更好判斷。 為改善上述問題，本論文在軟體定義網路(SDN)環境下，使用交換機取代傳統防火牆設備，透過封包分析與信任觀測區間達到規則學習，並整合Snort入侵偵測系統，透過特徵比對，找出危害網路環境之封包，即時阻擋該危險流量。本論文也提出基於隨需(on demand)概念，動態調整防火牆規則，降低管理人員負擔。最後利用交換機擁有多個實體通訊埠的概念 ，依需求可自由調整對外及對內線路數量，不再受限於廠商規格，取代傳統多路寬頻負載平衡器，建構更彈性的架構。並透過收集交換機上的實體埠與資料流表中的資訊，即時評估網路狀況，加強負載平衡。為驗證本論文所提出之⽅法的有效性，我們使用Linux伺服器架設KVM、OpenvSwitch以及POX控制器實際建構SDN網路環境，透過發送封包對防火牆提出請求，以驗證實驗方法的正確性。 根據實驗結果顯示，本論文所提出之概念均能正確運作，有效降低調整防火牆所需之人工作業。在多路寬頻負載平衡器部分，本研究所提出之負載平衡方法，與round robin負載平衡方法相較之下，在最佳情況下，能有效提升約25%平均頻寬使用率，並降低約17.5%封包遺失率。 / Firewall is an important device that is responsible for securing internal network by separating Internet from Intranet, but here are several existing issues about the firewall. First, the firewall rules are set by the network admistrator manually. Along with the vigorous development of Internet technologies and great amount of applications of virtual technology in recent years. This work burdens the network adminstrator with a heavy workload. Second, the firewall is able to isolate the external network from harmful traffic, however, it can do nothing to the internal network. The common situation is to use IDS to detect the harmful packet, but it can only send an alert message to the adminstrater, no more actions can be done. Finally, most companies use several ISP connections to assure fault tolerance and use Multi-WAN load balancer to integrate those connections to enhance bandwidth utilization. But the number of WAN/LAN ports is set by the manufacturer, and the load balance algorithm is also limited by the manufacturer. It offers only a few algorithms (network-based features, round-robin, etc.), and there is no other way to provide more efficient algorithms. In order to resolve the mentioned problems, we propose an automatic firewall based Software Defined Network (SDN). We use Openflow switches to replace traditional firewalls, the system is able to learn the rules automaticlly by packet analysis during an observation interval. We aslo integrate Snort Intrusion Detection System (IDS) to localize the dangerous packets and block them immediately. Next, we propose an on-demand based dynamic firewall rules adjustment mechanism which is able to reduce management workload. Finally, we implement a Multi-WAN load balancer architecture and provide a more efficient load balance algorithm by collecting port usage and firewall rule information. In order to verify the proposed methods, we implement a SDN environment by using Linux Ubuntu servers with KVM, Open vSwitch and POX controller. According to the experiment result, it proves that the proposed method is able to reduce the firewall configuration effectively. In the Multi-WAN load balancer, experiment results show that our method outperforms round-robin argrithom in terms of average bandwidth utilization and packet loss rate by 25% and 17.5%, respectively.

近年來，由於營造業職災千人率居各行業之冠，係因其特性所致，如：工(項) 種繁多、低價搶標、多層承攬等，以致造成職業安全衛生管理不易。又由於多層分 包之體制下，其僱傭及承攬契約關係並不單純，又職災發生原因繁多，導致法定義 務及責任錯綜複雜。 本研究蒐集98（2009）年至100（2011）年各級法院[如：地方法院、高等法 院、最高法院]對營造業職業災害之裁判，藉由以台灣五都「台北市、新北市、台 中市、台南市、高雄市 」刑事及民事裁判及行政處分之歸納、整理與比對進行探 討。研究結果顯示，判決案例數為 95 例，事件發生與司法判決相距時間為最短4 月至最長92月(約0.3~7.67年)，於統計3年期間之台北市13案例，年平均件數約 4.33，百分比約占13.68%、新北市28案例，年平均件數約9.33，百分比約占29.47%、 台中市26案例，年平均件數約8.67，百分比約占27.37%、台南市8案例，年平均 件數約2.67，百分比約占8.42%、高雄市20案例，年平均件數約6.67，百分比約 占21.05%。 依據本研究結果，並且結合一般及勞動法規，針對其雇主與事業單位之認定、勞 工安全之法定義務及職業災害之法定責任範圍、違反事實、涉及法規與法律效果 等予以類型化，並追究營造業勞工安全中應盡義務之檢驗標準，提出落實勞安之 管理配套措施，希冀供營造廠及分包商於勞工安全管理時之參考，進而降低營造 業之職業災害。 / This work collects court judgments concerning construction labor safety in Taiwan from 2009 to 2011 . These cases are grouped by jurisdictions , ie ., criminal , civil and administrative courts . The cases in each group are organized and compared, according to labor safety laws and regulations. The focus of this work includes (1) testing the standard of employer in law (ie., the subject of labor safety regulations) , and (2) identification employer obligation of labor safety in construction , and (3) summarizing the associated legal liability . In this study , our construction occupational incidents scenarios and to explore the relationship between judicial decision, the findings show that the number of cases was 95 cases of judgment, judicial decisions away from the incident and for the shortest time in 4 months ~ up to 92 months (approximately 0.3 to 7.67 years) , 3-year period in the statistical Taipei 13 cases, the average number of about 4.33, about 13.68% percentage, new Taipei City 28 cases, the average number of about 9.33, accounting for 29.47% percentage of Taichung City 26 cases, the average number of approximately 8.67, representing approximately 27.37% percentage, Tainan 8 cases, the average number of about 2.67, about 8.42% percentage Kaohsiung 20 cases, the average number of about 6.67, accounting for 21.05% percentage. The true merit of this work lies in the necessity of court interpretation of labor safety laws and regulations , because the extent of legal wording is far from clear and operational by practitioners . In a sense , the ruling in court becomes the determining factor resulting in employers ’ liability, rather than how the parties read the legal texts . Thus , the benefit of examining court interpretations of law is particular high . / 目 錄 中文摘要 I Abstract II 誌 謝 III 目 錄 IV 圖目錄 VII 表目錄 VIII 第一章 緒論 1 1.1研究背景 1 1.2研究動機與目的 3 第二章 文獻回顧 5 2.1職業災害定義及認定 5 2.1.1職業災害定義 5 2.1.2職業災害之要件與認定 8 2.2營造業僱傭與承攬關係與承攬模式之探討 10 2.2.1營造業在職業安全衛生法令上之定義 10 2.2.2僱傭與承攬關係在法令上之意義 10 2.2.2.1僱傭關係在法令上之意義 10 2.2.2.2承攬關係在法令上之意義 12 2.2.3國內營造業承攬類型探討 13 2.3雇主過失責任及無過失責任之探討 14 2.3.1雇主過失責任之探討 14 2.3.2雇主無過失責任之探討 17 2.4營造業職業災害現況及安全衛生管理問題 18 2.4.1營造業職業災害現況 18 2.4.2營造業所面臨安全衛生管理問題 21 第三章 研究設計與方法 23 3.1 研究設計 23 3.2 研究範圍 23 3.3 研究流程 23 3.4 研究架構 23 3.5 統計方法 25 第四章 結果與討論 26 4-1. 營造業職業災害類型化之探討 26 4-1.1 營造業職業災害中對象、因果關係類型 26 4-1.1.1 營造業職業災害中對象 26 4-1.1.2司法裁判中職業災害類型化之探討 28 4-1.2 營造業職業災害法律效果之類型 31 4-1.2.1刑事案件之法律效果類型 31 4-1.2.2民事案件之法律效果類型 48 4-1.2.3行政案件之法律效果類型 50 4-1.3司法裁判中僱傭及承攬關係類型之探討 50 4-1.3.1司法裁判中僱傭關係類型及常見情事之探討 50 4-1.3.2司法裁判中承攬關係常見情事之探討 55 4-2. 營造業職業安全衛生法定義務及責任之類型化分析 57 4-2.1營造業職業安全衛生之法定義務...................................58 4-2.1.1勞工法規之法定義務...........................................58 4-2.1.2刑法上與民法上之法定義務 61 4-2.2營造業職業災害僱傭關係中之法定責任 61 4-2.2.1法定責任類型判斷之探討 61 4-2.2.2僱傭關係之刑事責任 63 4-2.2.3僱傭關係之行政責任 65 4-2.2.4僱傭關係之民事責任 67 4-2.3職業災害承攬關係之法定責任 69 4-3. 營造業於司法98-100年度職業災害判決案例研析 71 4-3.1職業災害類型-個案專題“墜落”防止措施預防探討 77 第五章 結論與建議 80 5-1.結論 80 5-2.建議 81 參考文獻............................................................83 附錄一 98年~100年度台灣五大都市地區營造業職業災害各級司法判決分析表85   圖目錄 圖1-1 100年度重大職業災害類型統計區分 3 圖1-2 86-100年度各產業之重大職業死亡人數 3 圖2-1 職業災害的因果模式………………………………………………………….7 圖2-2 職業災害定義示意圖 8 圖2-3 承攬關係圖 12 圖2-4 各類型承攬模式組織架構圖 14 圖2-4-(1) 直接承攬示意圖 15 圖2-4-(2) 聯合承攬示意圖 15 圖2-4-(3) 平行承攬示意圖 15 圖2-4-(3) 分包承攬示意圖 16 圖3-1 研究流程 24 圖4-1-1 雇主與工地管理人未盡安全衛生管理之行政行為與責任 28 圖4-1-2 單純僱傭關係類型 51 圖4-1-3 事實上僱傭關係類型 53 圖4-2-1 法定責任類型之判斷流程圖 62 圖4-3-1 墜落防止技術層面示意圖 76 表目錄 表1-1 各縣市工作場所（86-101年）重大職業災害死亡人數統計分析表 2 表 2-1 僱傭契約與承攬契約比較表(資料來源：李章順（1998）[8]) 12 表 2-2 近三年營造業職業災害與全產業、製造業比較表(單位：年千人率) 18 表2-3 營建業勞工不安全行為因素 19 表4-1-1 營造業職業災害中對象之類型 27 表4-1-2 各級司法98-100年判決案例統計 31 表4-1-3-(1) 各級司法94-100年判決書案例分析表 34 表4-1-3-(2) 各級司法94-100年判決書案例分析表 35 表4-1-3-(3) 各級司法94-100年判決書案例分析表 36 表4-1-4-(1) 我國各級司法98-100年度營造業職業災害對象、違反事實、依據法條及刑事法律效果之主要類型表-台北市 37 表 4-1-4-(2) 我國各級司法98-100年度營造業職業災害對象、違反事實、依據法條及刑事法律效果之主要類型表-新北市 38 表 4-1-4-(3) 我國各級司法98-100年度營造業職業災害對象、違反事實、依據法條及刑事法律效果之主要類型表-台中市 39 表 4-1-4-(4) 我國各級司法98-100年度營造業職業災害對象、違反事實、依據法條及刑事法律效果之主要類型表-台南市 40 表4-1-4-(5) 我國各級司法98-100年度營造業職業災害對象、違反事實、依據法條及刑事法律效果之主要類型表-高雄市 41 表4-1-5 營造業職業災害對象、法律規定、責任類別、依據法條及民事法律效果之主要類型表 48 表4-2-1 職業安全衛生法中雇主之法定義務 58 表4-2-2 職業安全衛生法中各級承攬人之法定義務 59 表4-2-3 職業安全衛生法中其他對象之法定義務 59 表4-2-4 其他相關勞工法規中職業安全衛生相關之法定義務 60 表4-2-5 職業災害僱傭關係之刑事責任 64 表4-2-6 職業災害僱傭關係之行政責任 66 表4-2-7 職業災害僱傭關係之民事責任 68 表4-2-8 職業災害承攬關係之法定責任 70 表4-3-1 墜落地點與原因之預防措施 78

隨著物聯網這個萬物連網的概念順勢推動智慧家庭在市場裡蓬勃發展，可預期未來ISP(Internet Service Provider)業者勢必面臨大量智慧家庭中各種不同應用服務互相競爭頻寬資源的情況，甚至遇到網路滿載壅塞時造成應用服務不堪使用的情形。 為改善上述問題，本文以ISP業者管理智慧家庭中眾多的物聯網設備為情境，透過軟體定義網路 (Software Defined Network，SDN)進行頻寬排程配置，排程演算法以可兼顧公平性(fairness)、時間延遲(delay)及應用服務優先權(service priority)的A-MLWDF (Adaptive Modified Largest Weighted Delay First) [7]演算法，確保優先配置頻寬給智慧家庭中優先權較高、時效較為急迫的流量，以降低應用服務的延遲來提升智慧家庭網路之服務品質(Quality of Service，QoS)。 本研究透過OMNet++模擬器建構SDN環境與傳統環境中有眾多物聯網設備之智慧家庭。家中物聯網設備包含M2M (Machine to Machine)和非M2M(non Machine to Machine)裝置，以提供各種智慧家庭應用服務。我們透過SDN架構進行頻寬配置，達到集中式管控家中的頻寬資源，其中排程演算法包括PF、MLWDF、A-MLWDF。實驗結果顯示，以上排程演算法雖然於SDN環境下在公平性與抖動率表現並不顯著，公平性約改善1.6%及抖動率約降低1%左右，但在產能與延遲方面表現較為顯著，能有效提高產能約52%，及降低延遲約 52%。 / With the concept of IoT (Internet of Things) spread rapidly, it is the opportunity to promote smart homes in the expanding market. We can see that the future ISP (Internet Service Provider) has to face a large number of smart homes having bandwidth competition in a variety of different applications and causing application services unavailable due to network congestion.     In order to resolve the above problems, we propose that each ISP (Internet Service Provider) has to manage a large number of IoT devices in a smart home to performs bandwidth scheduling through Software Defined Network (SDN). We choose to use A-MLWDF scheduling algorithm (Adaptive Modified Largest Weighted Delay First) [7] which considers fairness, delay and service priority. A-MLWDF is able to ensure services of higher priority and emergent traffic be allocated bandwidth earlier and greatly reduce delay and thus effectively enhance Quality of Service (QoS) of smart homes.     In this research, we implement a SDN environment by using OMNet++ to simulate the bandwidth competition among smart homes with IoT devices. The IoT devices consists of M2M (Machine to Machine) and non-M2M (non Machine to Machine) devices which offer a variety of intelligent home application services. We configure the bandwidth allocation under SDN control. The scheduling algorithms include PF, MLWDF and A-MLWDF. When the network traffic is congested, SDN can significantly increase throughput and reduce latency compared to traditional network management. The experimental results show that above scheduling algorithms using SDN environment having no significant performance improvements in fairness and jitter. The fairness increases around 1.6% and the jitter reduces around 1%. However, it shows significant improvement on throughout and delay. The throughput increases around 52% and the delay reduces around 52%.

本文係對列寧主義意識型態做一整體性的論述；第二章「意識型態與人類目的行為」 是由人類思想與其目的行為的一般關係出發，歸納到意識型態的功能性定義，這固定 義，是做為以後各章分析列寧主義的基本架構，由第二章到第五章，是具體地分析組 成列寧主義的四固最重要的部份：其中第二章是「列寧主義國家論」，第三章是「列 寧主義帝國主義論」，第四章是「列寧主義黨的理論」，第五章是「列寧主義策略論 」，這四章要分別闡明，列寧主義的各部分具有如何的意識型態功能。 在第六章的結論那分，一方面要歸結前面各章分析的結果，指出列寧主義是一固典型 的政治意識型態，一方面要表明由意識型態的角度來了解列寧主義，不僅可以充分明 白其內容，更可以掌握到列寧主義對共產主義國家的決策者可能會產生的影響。

隨著全球化趨勢以及企業間越加激烈之競爭關係，生產者為滿足消費者之即時需求，即常透過多式運送模式將商品跨國快速遞送。物流服務之涵蓋範圍因而越發廣泛並持續擴展，除了實體之商品配送服務，並完善整合不同運送模式，且將高效率之管理、關務與其他商業活動納入範疇。此種整合型物流服務之出現，除了免除生產者與貿易商物流管理之額外負擔，以利其專注本業外，高品質之物流服務尚可提昇運輸服務業之生產力，同時並增進全球經濟福利之發展。 鑑於物流服務以及供應鏈管理服務均非屬W/120中之獨立部門，WTO會員即以CPC為基礎發展出物流服務清單與相關提案，以期提昇物流服務在市場開放與國民待遇之承諾情形。 本文首先介紹物流服務之貿易實務，概述物流服務之貿易概況、產業趨勢與貿易障礙；其次探討GATS 架構下物流服務之相關規範與會員提案，並分別就相關之GATS條文與會員提案發展為剖析。此外，本文並分析WTO會員就物流服務之現行承諾狀況與新回合之開放情形。最後，本文以物流服務之分類議題、定義議題與相關服務之新回合談判進展為重點，進行深入之分析並嘗試提出可行之解決之道。 / In the wake of globalization and increasingly fierce competition, goods often need to be transported through several countries (by road, rail, air or water) as quickly as possible in order to respond "just in time" to customer demand. Logistics services comprise a wide range of services and are constantly evolving In addition to the physical transportation of goods, based on an optimized combination of available modes of transport, it involves the efficient handling of management, customs and other business matters. The existence of integrated logistics services relieve manufacturers and traders of the burden of logistics management and allow them to focus on their core competencies. High-quality logistics services could also increase the productivity of the transport sector, and improve global economic welfare at the same time. Since neither logistics nor supply chain management is identified as a distinct industry on the W/120, WTO members that rely on the CPC have advocated developing a freight logistics checklist and related proposals in the hope of improving meaningful market access and national treatment commitments for logistics services. The thesis first introduces the practices of trade in logistics services, including the profiles, trends of industrial development, and trade barriers on trade in logistics services. Then the thesis discusses the related regulations and proposals of logistics services under the GATS framework, explaining the related GATS articles for logistics servies and clarifying their influence as well. Besides, the thesis also exam members’ existing commitments and offers on the logistics services. Finally, the thesis focuses on the classification, definition and negotiation issues on the logistics services, analyzing existing difficulties and trying to submit possible solutions.

國際貿易實務上，「信用狀」係往來銀行提供信用狀擔保付款之模式，確保跨國貿易之順利完成、加速貿易進行，為當今世界重要付款方式。「信用狀統一慣例（UCP）」係國際商會（ICC）制定之信用狀交易實務慣例，自1933年首次頒布以來，目前已成為全世界公認遵行之信用狀標準處理方針。2007年，國際商會公佈最新修訂版本之第600號出版物“UCP 600”，明定因應銀行及航運實務發展、檢討UCP 500之規範文字及語體、抑制銀行拒絕付款率等為主要修訂目標。 鑑於UCP 600對於未來國際貿易發展之影響力，實有全面且深入研究UCP 600條款內容及規範目的之必要。本文以UCP 600新增定義解釋條款、審查單據條款、及運送單據條款為研究主題，透過闡釋條文涵義、比較與UCP 500之差異、探究新條款影響、檢討修訂目標之成效等，俾使信用狀當事人及相關銀行正確理解及適用UCP 600條款內容。 本文首先介紹信用狀之特性、經濟功能及信用狀統一慣例之定位適用等基本概念；其次從文義解釋、法律性質及當事人間法律關係等觀點切入，闡釋UCP 600本次新增之定義及解釋條款；並研究銀行實務最常發生爭議之審查單據程序，詳盡分析UCP 600規定之審單標準、符合提示、拒付瑕疵單據等重要條款。此外，本文探討UCP 600所規定國際航運常見之提單、多式運送單據、不可轉讓海運單及傭船提單等運送單據條款。最後，本文針對UCP 600條款之重要修訂內容予以彙整，嘗試提出該等條款之修正趨勢及未來發展。 / In international trade practice, “letter of credit”which is the most important type of payment in the world is the means of settlement that an issuing bank independently undertake to honour a complying presentation , and that ensures international trade to successfully completed, and speeded up the transactions.“ICC Uniform Customs and Practice for Documentary Credit(UCP)”is the rules of international letter of credit practice promulgated by the Commission on Banking Technique and Practice of the International Chamber of Commerce(ICC).The 2007 Revision, UCP 600, is the latest of a series of revisions of these ICC rules that date from 1933 and have in their evolution become the universal norm for commercial letter of credit. The introduction of UCP 600 expressly indicated the main revised objective was to address developments in banking and transport industries, to look at the language and style used in UCP 500, and to reduce the rejections of the documents presented under letter of credit. In consideration of the influence of UCP 600 for the development of international trade in the future, it was necessary to generally and deeply research the clauses and provisions of UCP 600 and the revised objective. This paper’s research subjects include the formal definitions and interpretations of UCP 600, the provision regarding examination of documents, and the provisions regarding transport documents. In order to make the parties of letter of credit and the relevant banks correctly understand and apply the UCP 600 clauses, this paper interprets the meaning of UCP 600 clauses, compares the differences between UCP 600 and UCP 500, analyses the influence of new provisions, and look at the achievements of this revision. This paper first introduces the fundamental concepts included the characteristic of letter of credit, the economic functions of letter of credit, and the position and application of UCP 600.The second part is to discuss the formal definitions and interpretations that UCP 600 new formulated from the perspectives of language interpretation, quality of law, and the law relationship of the parties. Then this paper discusses the rules for the examination of documents that most controversial in banking industries, and analyses the important provisions regarding standard for examination of documents, complying presentation, and rejection of discrepant documents. Moreover, this paper is referring to the general transport documents clauses stipulated in UCP 600, including bill of lading, multimodal transport document, non-negotiable sea waybill, and charter party bill of lading. Finally, this paper synthesizes the significant revised provisions, and recommends several suggestions about modifying the relevant provisions in UCP 600 and development in the future.

人工生殖係對傳統生殖方式的挑戰，透過人工生殖技術，我們可以把生殖與性分離，面對這樣新的生殖科技的變革，我們應該也要有新的思維。人工生殖技術係以非自然的方法繁衍後代，在探討其相關問題時，我們應該深入去思考生命的價值及身為人的價值。 關於人工生殖子女之法律地位，不應侷限在出生後人工生殖子女法律地位之論述，對於出生前之生命，法律亦應給與適當的保護。就精子、卵子、生殖細胞及胚胎的法律地位，應打破傳統民法體系下非「人」即「物」的迷思，認為其具有人格性，並兼具財產權的性質。對於未出生胎兒的法律地位，在憲法生命權的保障上，可以考慮賦與學者所倡之「擬似權利主體」的地位，在民法權利能力的保護上，對於其利益之保護，應認為其具有權利主體的地位。就出生後人工生殖子女的法律地位，在立法論上，為保護人工生殖子女，應於法律中明文規定讓其取得婚生子女之地位。

本研究は，情報システム開発に向けて，(1) 日本語要求記述からより良い概念モデルを構築すること，(2) 構築した概念モデルを開発の要求定義以降の作業分野においても有効に活用すること，をテーマとした研究である．本研究では，概念モデルを，「業務を成立させる本質的な要素を，業務プロセスの側面，および，業務プロセスで扱うオブジェクトの側面から抽出し，それらを時間的，あるいは空間的に配置した，組織的かつ実装独立ではあるが実装にストレートに変換可能なモデル」，と定義する． / This research is aimed at the field of information system development. Its themes are : (1) constructing a better conceptual model from Japanese requirements description, and (2) utilizing the constructed conceptual model effectively in the disciplines after development requirement definition. The definition of the conceptual model in this research is: a group of elements arranged in time and/or space. These elements are the essential objects that make up business from the side of the process and the side of the knowledges handled in the process. The model can be converted to the implementation model straightforwardly but independent from its implementation. / 博士(工学) / Doctor of Philosophy in Engineering / 同志社大学 / Doshisha University

由於過度粗糙立法、缺乏相關深入研究暨流於形式之契約解釋取向，臺灣保險契約法第二章第三節特約條款制度實沈苛已深而積重難返，亟待立法者、司法者及主管機關進行大幅度改造。本文研究聚焦於探討該制度－相當於英美保險契約法之明示擔保條款－起源、本質暨新近發展，並研擬相關修法提案俾供後續立法者與研究者參酌。基此，本文擬採用法律經濟分析、實證分析與比較法等研究方式加以進行。從英美法系各國之立法潮流可發現，契約基礎條款因違反合理期待原則而遭多數國家揚棄。此從英格蘭暨蘇格蘭法律委員會目前保險契約法修法暫時提案，以及澳洲1984年保險契約法第24條規定即可窺見一斑。再者，鑑於肯定擔保條款當初建制基礎已消失殆盡，包含英國、澳洲及紐西蘭皆採取以不實陳述制度取代肯定擔保條款之立法，俾以達成較為公平之規範結果。至於允諾擔保條款部分，增加損失與違反行為間因果關係要件實已蔚為潮流，包含英國、美國數州、澳洲及紐西蘭相關立法皆為適例。此外，相較於無效、得撤銷抑或自動向後免責，賦予保險人契約終止權誠屬較佳之法律效果，已獲各國之共識。職是之故，本文主張應修改特約條款有關肯定特約部分相關文字，使同法第64條據實說明制度可取代之，俾產生較有效率之核保資訊提供制度。另一方面，允諾擔保條款內容應限縮於與危險有關之重要性事項。此外，應考慮增加損失與違反行為間因果關係要件，並使保險人於無因果關係之情形得以主張就系爭損失免責。鑑於解除權易使法律關係趨於複雜，本文建議應以契約終止權取代現行契約解除權較佳。又在前述修法前，法院得透過契約解釋方式緩和現行法弊端，而行政院金融監督管理委員會亦得透過保險商品審查機制過濾不妥之約款加以因應。 / Express warranties of insurance law in Taiwan provoke a great number of dilemmas in both theory and practice due to oversimplified legislation, a paucity of related studies and formalism of contract construction. This study aims not only at exploring the origin, nature and development of the institution for the purpose of elucidating pros and cons of express warranties, but also at providing an amendment to express warranties of insurance law in Taiwan. The dissertation achieves the dual goals by way of comparative study and economic analysis of law. Obviously, abolition of “basis of the contract clause”－an obsolete and bitterly-criticized contract term－ has been an uncontroversial trend around the world on the grounds of reasonable expectations. English and Scottish Law Commissions’ tentative proposals, as well as Section 24 of Australian Insurance Contracts Act 1984, sets an excellent example. Also, with an eye to the collapse of affirmative warranties’ keystones, several countries, including the U.K., Australia, and New Zealand, substitute misrepresentation for affirmative warranties for the purpose of leveling the playing field. As for promissory warranties, requirement of causal link between losses and breach of promissory warranties has gained a dominant position in the U.K., the U.S., Australia, and New Zealand on the grounds that considerable unfairness to policyholders would arise in the absence of it. In addition, the insurers’ right to terminate contracts has been generally regarded as a more superior legal effect than III rendering contracts void or avoid, even the insurer automatically discharged from liability. Based upon these foreign legislation and other considerations, the dissertation proposes the third section “express warranties” of insurance law in Taiwan should be amended thoroughly. Affirmative warranties in the section should be substantially supersede by misrepresentation set forth in article 64, since the latter is capable of inducing the insured to provide necessary information for the insurer in a more efficient way than is the former. On the other hand, promissory warranties of insurance law in Taiwan should be reconstructed by adding the requirement of causal connection to the insurer’s right not liable for specific losses. Furthermore, this dissertation also advocates that legislators replace the insurer’s right to avoid with the right to terminate on the basis of evading complicated legal relationship. Besides, in advance of amending aforementioned articles, the dissertation suggests that courts in Taiwan mitigate harsh effects via contract construction, and regulators should filter inappropriate or nominal warranties from insurance policies by means of administrative screening mechanism.

科学研究費補助金 研究種目:総合研究(A) 課題番号:04306021 研究代表者:潮木 守一 研究期間:1992－1993年度