金融科技監理之研究— 以監理沙盒法制為中心

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Please use this identifier to cite or link to this item: https://irlib.pccu.edu.tw/handle/987654321/53056

Title:	金融科技監理之研究— 以監理沙盒法制為中心 Legal Study on the Financial Technology Supervision: Focused on the Regulatory Sandbox
Authors:	戴潤法
Contributors:	法律學系
Keywords:	金融科技金融科技監理監理沙盒金融科技發展與創新實驗條例 Regulatory Sandbox FinTech、FinTech Regulation FinTech supervision Financial Technology Development and Innovative Experimentation Act
Date:	2023
Issue Date:	2024-02-29 12:05:26 (UTC+8)
Abstract:	近年來網路科技和行動裝置的急速崛起促進了金融科技的發展，其為消費者提供了更多元化、利用門檻更低的金融服務，但是它的快速發展同時也帶來對金融監理的挑戰，傳統監理法規必須面對比過去更快的市場變動、更廣大的市場參與度。而站在面對金融科技監理第一線的是英國，其首先於2015年提出監理沙盒（regulatory sandbox）的制度，使金融科技業者可以在一個「安全空間」（safe space）中測試創新的金融產品與商業模式。從此新加坡、澳洲、韓國及日本等各國爭相仿製，包括我國於2018年實施之「金融科技發展與創新實驗條例」。然而，監理沙盒終究只是一套監理工具，因為監理理念的不同而在許多國家、制度上有許多差異，同時從新創業者的角度來看，焦點會放在金融科技產品或服務是否能通過沙盒實驗來實現正式商轉，即監理沙盒的落地機制才會是能否吸引到新創業者的重點。本文藉由比較英國與日本，二者的文化、法律環境與監理理念皆不同，並比對二者目前實施之成果與經驗，探討我國金融科技創新實驗的運用理念與落地機制之內容，分析金融創新如何從金融監理沙盒後階段制度架構銜接到正式經營，期待能透過本文針對於我國金融科技創新相關法規有所啟發與助益，並探索新的可能性。 In recent years, the rapid rise of Internet technology and mobile devices has promoted the development of FinTech, which provides consumers with more diversified financial services with lower barriers to use. Thus, its rapid advancement has also brought challenges to financial regulation and supervision. Traditional supervision regulations must face faster market changes and greater market participation than in the past. As the first country to develop the Regulatory Sandbox in 2015, the United Kingdom stands at the forefront of FinTech supervision, enabling FinTech companies to test innovative Products and business models that apply financial technologies in a "safe space". Since then, countries such as Singapore, Australia, South Korea, and Japan have rushed to imitate it, including Taiwan’s "Financial Technology Development and Innovative Experimentation Act " implemented in 2018. However, the Regulatory Sandbox is only a tool of regulation, and there are many differences due to different supervision concepts. At the same time, from the perspective of new FinTech entrepreneurs, the focus will be on whether the innovative FinTech products or services could be formally transferred through sandbox experiments. That is, the implementation mechanism of the Regulatory Sandbox will be the focus of attracting new entrepreneurs. This article discusses the application concept and implementation mechanism of Taiwan’s "Financial Technology Development and Innovative Experimentation Act ", through compares the UK and Japan’s results and experience of the current implementation, which have different cultures, legal environments, and supervisory concepts. Through this article, I was looking forward to being able to inspire, assist Taiwan’s "Financial Technology Development and Innovative Experimentation Act ", and explore new possibilities.
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