依據金管會2016年公布的「金融科技發展策略白皮書」，法遵科技(Regulation Technology Regtech)，是指〝利用資訊科技，廣泛蒐集各國金融監理制度與法規要求，提供分析與管理的工具，自動協助金融機構遵守法規要求，以降低作業風險〞。從上可知透過加入資訊與科技讓監管有了新的意義。
Regtech導入讓監管機關能更快速解析與處理複雜的情境，也能讓監管單位在執法是更有一致性與連續性；對於法令遵循者，可以優化流程大幅降低成本，也能提升合規效率、即時的交易監控與主動的風險預判與避險。
究透過整理主要國家在監管科技與法律上的發展，近年各國監管的結構漸逐漸由「機構型監管」轉變成「功能性監管」，監管方法也由「法規為基礎」(Ruled-Based Supervision)走向「風險為基礎」(Risk-Based Supervision)的監管方法。
本研究將透過文獻分析法，蒐集國內外的相關文獻及報告，整理出目前金融機構在使用監管科技實務上所面對的幾個重點議題，尤其是自動化制定法遵合規報告上的部分；同時，也整理出導入監管科技所面對的潛在風險；最後透過個案分析法，分析目前我國金融機構導入監管科技的現況與未來可能的發展。

According to the "FinTech Development Strategy White Paper" published by the Financial Supervision Commission in 2016, Regulation Technology Regtech refers to "using information technology to extensively collect the financial supervision systems and regulations of various countries, provide analysis and management tools, and automatically assist financial institutions to comply with the regulatory requirements to reduce operational risks". From the above, it can be seen that supervision has a new meaning by adding information and technology.

The use of Regtech allows the regulators to analyze and deal with complex situations more quickly, and also makes the regulatory authorities more consistent and continuous in compliance; For those who comply with laws and regulations, the process can be optimized to reduce costs, and the compliance efficiency, immediate transaction monitoring and active risk prediction and avoidance can also be improved.

In recent years, the regulatory structure of major countries has gradually changed from "institutional supervision" to "functional supervision", and the regulatory method has also changed from "regulated-based supervision" to "Ruled-Based Supervision".

This study will collect relevant literature and reports through literature analysis, and sort out several key issues faced by financial institutions in the practice of using regulatory technology, especially the part of compliance report of automatic enactment law; At the same time, it also sorts out the potential risks faced by introducing regulatory technology; Finally, through the case analysis, this paper analyzes the current situation and possible future development of using regulatory technology into financial institutions.

一、中文部分：
1.王儷玲，(2018)，金融科技趨勢下法遵科技與資安技術發展趨勢。
2.王儷容，(2020)，全球金融科技監理發展趨勢與類型，前瞻觀點，18-24。
3.郭秋榮，(2017)，國內金融科技監理機制之研析，經濟研究第18期，187-226。
4.郭秋榮，(2002)，主要國家金融監理制度變革及其對我國之啟示，經濟研究年刊第2期，71-
101。
5.臧正運，(2018)，試論金融監理科技的分析框架與發展圖像，管理評論第36卷，第4期，
19-35。
6.趙柏涵，(2018)，監管科技在洗錢防制上的應用。
7.李瑞枔、陳啟超、林宏昇，(2018)，Central Banking「FinTech & Regtech Global Summit」
會議報告。
8.臧正運，(2017)，金融科技創新與監理的平衡，哈佛商業評論，2017年1月號。
9.紀宗利，(2018)，我國FinTech發展之挑戰及因應策略。
10.國立臺北商業大學，(2017)，「我國金融科技之發展-從國際觀點分析金融相關服務法規」研究報
告。
11.KPMG，(2018)，打造未來金融機構如何擁抱金融科技並發展成長。

二、英文部分
1.Institute of International Finance. (2016). REGTECH IN FINANCIAL SERVICES: TECHNOLOGY SOLUTIONS FOR COMPLIANCE AND REPORTING.
2.David Young. (2019). River partnership Regtech in 2019.
3.KPMG. (2018). There’s a revolution coming.
4.KPMG. (2019). There’s a revolution coming_Embracing the challenge of the new RegTech era.
5.Stacy English & Susannah Hammond. (2019). Fintech, Regtech and the Role of Compliance in 2019.
6.EY. (2019). Regulatory technology (Regtech)_Navigating the right technology to manage the evolving regulatory environment.
7.IBM. (2018). AI in Regtech: A quiet upheaval.
8.Guring, Nora & Perlman, Leon. (2018). Use of Regtech by Central Banks and its Impact on Financial Inclusion
9.EY & MEDICI. (2018). Regtech Top 21 – A Global View of Regtech Innovation.
10.Theo Lynn & John G. Mooney & Pierangelo Rosati & Mark Cummins. (2019). Disrupting Finance_FinTech and Strategy in the 21st Century.

11.DFIN. (2019). A New Approach to Data Quality: Preparing for a RegTech, Suptech and AI Future.
12.Wendy L. Currie, Daniel P. Gozman, J. M. Seddon. (2018). Dialectic tensions in the fianacial markets: a longitudinal study of pre-and post-crisis regulatory technology.
13. Douglas W.Arner, Janos Barberis and Ross P. Buckley. (2017). The Emergence of Regtech 2.0: From Know Your Customer to Know Your Data.

三、網路部分

1.【專家觀點】金融機構數位轉型的九大挑戰：
https://fc.bnext.com.tw/bank-9-challenges-transform/
2.監管科技的八大發展趨勢：
https://kknews.cc/zh-tw/tech/bp4v8eo.html
3.監管層頻發聲，金融科技監管將升級：
http://finance.people.com.cn/BIG5/n1/2018/1128/c1004-30429422.html
4.【新金融評論】金融科技帶來的挑戰與監管新方向：
https://www.chainnews.com/zh-hant/articles/502365913554.htm