金融科技發展與監理

The Development and Supervision of Financial Technology

10.6543/JMC.2017.0201.01

李瑞倉(Ruey-Tsang Lee)

金融科技 ； 金融發展 ； 金融監理 ； Financial Technology (FinTech) ； Financial Development ； Financial Supervision

管理與法遵

2卷1期（2017 / 01 / 01）

1 - 20

繁體中文

金融業的進步須倚賴不斷創新，以維持競爭力，而金融監理亦須與時俱進。本文探討金融海嘯發生迄今金融創新本身所發生之質變，從結合財務工程創新金融商品，轉變為結合科技，即所謂金融科技並快速發展，以實現普惠金融。該期間雖未滿10年，因資通訊科技的快速發展及成熟，已促進金融科技經歷三階段之發展。而臺灣憑藉優秀的人才及充沛的資金，加上政策的支持，具有發展金融科技的優勢，透過科技新創業、金融業與政府之協力合作，正急起直追，共同致力於我國金融科技發展，並推升國家經濟成長。金融科技之發展已蔚為趨勢，世界各國均積極發展金融科技監理，紛紛建立金融科技產業輔導平臺，訂定金融科技產業自律與行業標準、進行跨境金融科技監理合作及推動金融監理沙盒。其中金融監理沙盒機制係首由英國金融行為監理署（Financial Conduct Authority, FCA）於2015年5月發布施行，其他國家紛紛起而效尤。本文蒐集整理主要推動國家－英國、新加坡、澳洲及香港辦理監理沙盒之情形，並比較其監理法制；繼以說明我國亦參照該等機制，並因應既有法律體系，規劃推動「金融科技創新實驗條例」之立法，屬全球首創以專法方式推動監理沙盒。目前該條例草案正由立法院審議中。未來立法通過施行後，可提供金融科技充足的創新發展空間，並維持金融監理之合理與有效性及市場競爭之公平性。

The progress of the financial industry depends on continuous innovation to maintain competitiveness, and financial supervision should also keep pace with the times. This paper explores the qualitative change of financial innovation from the combination of financial engineering and innovative financial products to the combination of technology in recent years. It was so-called Fintech with rapid development so as to achieve financial inclusion. The financial crisis occurred so far was less than 10 years, but due to rapid and mature development of Information Communication Technology, Fintech has been promoted through three stages of development. Taiwan, with excellent talent and abundant funds, and also coupled with the support of the government, has the advantage of developing Fintech. Through the cooperation among Fintech start-ups, the financial industry and the government, Taiwan has committed to the development of Fintech in hopes of catching up with the global trend and; also contributing to the growth of national economy.

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