| 摘要: | 近年來金融科技發展快速竄起，廣受各界矚目，成為世界各國金融產業發展重心，然金融科技之創新與突破性之特色，亦為金融監理法制帶來衝擊；傳統金融法規已不足以規範，而縱使建立創新法規，金融科技包山包海亦難為全面管制。據此，主管機關針對金融科技提出之相關政策與法規，是否得支持創新公司發展金融科技、協助創新公司面對相關法規之挑戰，監理制度應如何與金融科技配合，均成為各國金融科技發展興盛與否之關鍵。
世界各國本於國內經濟文化情事之不同，面對金融科技，均發展出獨具特色之監理法制，我國亦於2017年12月底立法院三讀通過「金融科技發展與創新實驗條例」，效仿英國建立金融監理沙盒機制。各項政策與法規之變革，足見我國政府對創新金融科技發展之重視，而主管機關給予法規放寬亦值得肯定。然而適用於英國之沙盒機制，未必適合我國監理環境，金創新條例自草案起草至立法通過，不論業界或學界均認為其規範內容僅為形式上放寬，實質運作上仍具多項限制與疑慮。從而，不禁讓人反思，我國金融監理架構是否存在盲點，現階段是否確實需要監理沙盒機制，而針對現行之金創條例得如何進行改善，究應如何建立得以達成科技創新與監理法制間平衡之金融體系，均值深究。
另一方面，觀察其他國家創新科技之發展，金融服務已不再限於金融產業，科技項目未必針對金融科技研發，跨領域科技及監理法遵科技之創新逐年增加。在數位科技蓬勃發展之背景下，科技項目、產品或服務模式增加，監管法律、規則亦隨之擴增，對於金融機構與創新業者之遵法成本而言均屬負擔。應如何落實法規遵循，及法規究竟應如何予以監管之問題，造就監理科技之誕生，然究竟何謂監理科技、於現行創新科技發展背景下是否必要，亦值探討。
Due to the rise of Fintech, not only has Fintech attracted wide attention, but be-comes the focus of financial industry. Yet, the innovation and breakthrough special features of Fintech have great impact upon the supervisory legal system. Difficult to be fully regulated, traditional financial regulations no longer suffice to govern. Based on the above, whether relevant authorities' policies and regulations on Fintech sup-port the development of innovative companies, assist in facing the challenges of laws and regulations, and how the supervision system copes with financial technology, which will become the key to the prosperity of financial science and technology.
As various economies and cultures throughout the world, each has developed his or her unique supervisory legal system of Fintech. About the end of 2017, Taiwan Legislative Yuan passed the “Financial Technology Development and Innovative Experimentation Act,’’ following the sandbox system in the U.K. However, both the industry and the academic community thought that there are still quite a few re-strictions and doubts over its substantive operation. Therefore, it is not sufficient to reflect on whether we really need a sandbox at this stage, how to improve the current supervisory system, as well as how to achieve a balance by and between the techno-logical innovation and the supervisory legal system.
On the other hand, to observe the progress of innovation technology, financial services are not restricted to the financial industry alone. Cross-domain technology and Regulation Technology are increasing year by year. In addition, as the number of technology projects has increased, the regulations have been expanded at the same time. It puts a burden onto the financial institutions and innovative companies to comply with those regulations. Accordingly, how to implement compliance and how to supervise gave birth to Regtech, which is worth further in-depth study as well. |
