研究生: |
郭珮懷 Pei-Huai Guo |
---|---|
論文名稱: |
金融監理沙盒及金融服務創新之個案研究 A Case Study of Financial Regulatory Sandbox and Financial Service Innovation |
指導教授: |
劉代洋
Day-Yang Liu |
口試委員: |
謝劍平
Jien-Pien Hsieh 曾國安 Guo-An Tseng |
學位類別: |
碩士 Master |
系所名稱: |
管理學院 - 財務金融研究所 Graduate Institute of Finance |
論文出版年: | 2019 |
畢業學年度: | 107 |
語文別: | 中文 |
論文頁數: | 68 |
中文關鍵詞: | 金融監理沙盒 、金融科技發展與創新實驗條例 、金融科技 、金融服務創新 |
外文關鍵詞: | Financial Regulatory Sandbox, Financial Technology Innovation and Experiment Act, Fintech, Financial Service Innovation |
相關次數: | 點閱:398 下載:0 |
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自2015年11月英國金融行為監理總署(Financial Conduct Authority, FCA)釋出監理沙盒 (Regulatory Sandbox),英國2016年6月開始實施制度,各國相繼趕上腳步,但是並非立定專法。而臺灣不僅是第五個擁有金融監理沙盒制度的國家,同時也是第一個大陸法系國家採用監理沙盒、第一個立定金融監理沙盒專法的國家,但在公布專法後,伴隨而來是一堆懷疑、不信任的聲音,因此本研究欲透過實際訪談,了解臺灣現在的金融科技發展方向,以及法規對於申請者及主管機關合適與否,對於整體金融科技之發展是否有幫助。
研究結果發現,臺灣之主管機關及申請者在部分觀念上是有落差的,溝通上也較無效率,導致創新速度相較其他國家緩慢,倘若能夠修改主要影響之法規、放寬其他之法規,降低進入實驗沙盒之門檻,不僅能夠掌控風險亦可能達成金融業者與非金融業者之聯盟策略,使臺灣創新腳步加速,解決國人金融之痛點,實現金融進步之目的。
最後之結論,本研究透過兩大部分作建議:金融服務創新及金融監理沙盒。就金融服務創新方面,主要重點在解決痛點與策略聯盟;金融監理沙盒部分,則又分為對主管機關、申請人及消費者等三方面做建議。
Since Financial Conduct Authority(FCA)released the Regulatory Sandbox in November 2015, the United Kingdom began implementing the system in June 2016. More and more countries have followed suit, but they have not established a special law. Taiwan is not only the fifth country with a financial regulatory sandbox system, but also the first civil law country to adopt the regulatory sandbox and the first country to establish a sandbox special law for financial regulatory. But after the publication of the special law, there is a pile of suspicion and distrust. This study is intended to understand the current direction of Taiwan's financial technology development through practical interviews, and whether the regulations are appropriate for applicants and authorities, and whether it is helpful to develop in overall financial technology.
The results of the study found that Taiwan’s competent authorities and applicants have some differences in their concepts and communication is less efficient. It leads to a slower pace of innovation than other countries. If the main influencing regulations can be amended, other regulations can be relaxed, and lower the threshold of the experimental sandbox. It not only can control risks, but also achieve the alliance strategy between financial industry and non-financial industry. It also accelerates the pace of innovation in Taiwan, solve the pain point of people's finance, and achieve the goal of financial progress.
This study makes recommendations through two major parts: financial service innovation and financial regulatory sandbox. In terms of financial service innovation, the main focus is on solving pain points and strategic alliances; the financial regulatory sandbox part is divided into three aspects: the competent authority, the applicant and the consumer.
一、 中文部分
1.王怡心,張書瑋(2018)。專訪金融監督管理委員會主任委員 顧立雄 擁抱FinTech 金融監理沙盒作前鋒。會計研究月刊,388期,P57 - 59
2.王儷容(2017)。金融監理沙盒之美麗與哀愁。經濟前瞻,170,頁72-77
3.行政院(2018)。金融科技發展與創新實驗條例
4.李智仁,詹雅琪(2009)。建立以『原則為基準(Principles-based)』之證券商監理制度。亞卓國際法律事務所
5.李瑞倉(2017)。金融科技發展與監理。管理與法遵,2(1),DOI: 10.6543/JMC.2017.0201.01)
6.李顯正(民105)。金融科技概論。臺北市:新陸。
7.林佩瑩(2018)。創新實驗機制與法制環境優化之探討,科技法律透析,30:11
8.金融監督管理委員會(2016)。金融科技發展策略白皮書
9.洪振源、郭素禎、鄭靜馨、賴怡伶(民107)。英國監理沙盒考察-參訪跨境匯款及支付創新業務出國考察報告。臺北市:中央銀行。派赴國家 /地區:英國 /倫敦
10.孫鈺婷(2017)。金融監理沙盒申請案例之觀察-以英國與新加坡為例。科技法律透析,29(8)
11.國立臺北商業大學(2018)。「從國際觀點分析金融監理沙盒法制之現狀與前瞻」研究報告。台灣金融服務業聯合總會委託辦理金融科技創新創業及人才培育計畫
12.張中一(2016)。金融科技發展簡介與芻議。電腦與通訊特刊,4
13.張雅婷(2018)。臺、星、港金融監理沙盒制度之比較分析
14.蔣念祖(2017)。洗錢防制配套及金融監理沙盒制度之隱憂。萬國法律,215期
二、 外文部分
1.Australian Securities and Investments Commission (2016). Regulatory Guide 257.
2.Financial Conduct Authority (2015). Regulatory Sandbox.
3.KPMG (2017). The plus of Fintech.
4.UK Government Chief Science Advisor (2015). FinTech Future-The UK as a World Leader in Financial Technologies.
5.World Economic Forum (2015). The Future of Financial Services-How disruptive innovations are reshaping the way financial services are structured, provisioned and consumed
三、 網路部分
1.Hong Kong Monetary Authority. https://www.hkma.gov.hk/eng/index.shtml
2.Monetary Authority of Singapore (2015). MAS set up new FinTech & Innovation Group. http://www.mas.gov.sg/news-and-publications/media-releases/2015/mas-sets-up-new-fintech-and-innovation-group.aspx
3.余宛如(2016)。破除 Fintech 8迷思。檢自https://yuwanju.cc/%E7%A0%B4%E9%99%A4fintech8%E5%80%8B%E8%BF%B7%E6%80%9D%EF%BC%8C%E4%BD%99%E5%AE%9B%E5%A6%82%E6%8E%A8%E7%9B%A3%E7%90%86%E6%B2%99%E7%9B%928%E6%B3%95/
4.余宛如(2016)。啟動沙盒,政府的配套是什麼?檢自https://yuwanju.cc/%E5%95%9F%E5%8B%95%E6%B2%99%E7%9B%92%EF%BC%8C%E6%94%BF%E5%BA%9C%E7%9A%84%E9%85%8D%E5%A5%97%E6%98%AF%E4%BB%80%E9%BA%BC%EF%BC%9F/
5.余宛如(2016)。從英國看臺灣,沙盒法案的考驗其實是政府監理能力。檢自https://www.thenewslens.com/article/56918