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銀行保密義務與稅捐調查之衝突與調和-從資訊隱私權之觀點省思-
Thesis

銀行保密義務與稅捐調查之衝突與調和-從資訊隱私權之觀點省思-

黃天偉
Masters, 國立清華大學, 科技法律研究所
2017

Abstract

稅捐調查 銀行保密義務 個人資料保護法 資訊隱私權 納稅者權利保護法 間接蒐集 Tax Investigation Bank's Duty of Confidentiality Personal Information Protection Act Right of Information Privacy Taxpayer Rights Protection Act Indirect Collection
Tax collection authorities request banks to provide related information of its customers, which is based on Paragraph 1 of Article 30 in Tax Collection Act, Paragraph 2 of Article 48 in the Banking Act of the Republic of China, and the existing practice of Ministry of Finance and Financial Supervisory Commission. Nevertheless, the existing practice isn’t based on laws or regulations expressly authorized by laws, so it fails to comply with Taxpayer Rights Protection Act and the Principle of Taxation by Law. To maintain taxpayers’ right of information privacy, this essay attempts to follow the framework of the indirect collection in Personal Information Protection Act, and reconcile tax investigation and bank's duty of confidentiality. Nonetheless, this essay doesn’t prefer to a general prohibition on requesting banks to provide related information of its customers. In Chapter 2, this essay discusses the protected scopes of the right of information privacy, and its role in the constitutional values of tax investigation and bank's duty of confidentiality. Through the framework of the indirect collection in Personal Information Protection Act, this essay separately examines the existing interaction model of bank's duty of confidentiality and tax investigation in Chapter 3 and Chapter 4.

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