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| Title: | 論金融科技監理沙盒制度──以金融科技發展與創新實驗條例為中心
A Study on The Fintech Regulatory Sandbox - Focusing on the Financial Technology Innovation and Experiment Act |
| Authors: | 翁崇哲
Weng, Chung-Che |
| Contributors: | 張冠群
翁崇哲
Weng, Chung-Che |
| Keywords: | 金融監理
監理科技
監理沙盒
金融科技發展與創新實驗條例 |
| Date: | 2020 |
| Issue Date: | 2020-03-02 11:15:33 (UTC+8) |
| Abstract: | 金融科技（Fintech），結合金融與科技兩項元素，雖然是舊有關係的新術語，在過去幾年已經成為學術及企業大量討論與投入的重要領域。金融危機後，銀行法遵義務之監管大幅增加，限制銀行的競爭力，另一方面，金融科技之新創企業出現，且科技、技術之發展，驅動著金融業產生許多新穎之商業模式，對於現行法規定、監理規範造成衝擊，為了避免再次的金融危機，各國正思考如何制訂全新之監理政策加以因應，而再另一方面，不抑制創新。
為解決此一監理政策上之困境，英國FCA首先提出金融監理沙盒制度，允許新創企業無須負擔若干之資本要求或是特許之門檻，但不豁免消費者保護之規定下，得於一安全且消費者人數及金額受限制之環境中，就其創新金融商品或服務測試，除了企業能夠從中了解監理機關之監理目標，監理機關亦同時能夠透過觀察測試，從中了解創新商品或服務之風險及如何監管，立法者亦得以適時之調整其規範，其後新加坡、澳洲、香港、美國及台灣亦開始檢視現行制度，並引進監理沙盒之制度。
本文將以英國、新加坡、澳洲、美國及香港之監理沙盒制度進行整理、比較，探討各國金融科技監理沙盒之發展現況、應用與未來趨勢，並整理台灣引進監理沙盒之制度，其中包含現行制度介紹、沙盒現行運作狀況以及發展現況。最後藉由與他國現行制度比較，試圖檢討我國現行制度下，是否尚有可參考他國制度之處，以建置更完善之監理環境。
Financial technology , combined with the financial and technology, although it is the new term of existed concept, has become an important area for academia and business to have discussion and investments in the past few years. After the financial crisis, the compliance obligations of banks have been increased, limiting Banks` competitiveness；on the other hand, the start-up of financial technology and the development of science and technology generate many innovative business models, which impact on current regulations and supervisory measures. In order to avoid another financial crisis, countries are thinking about how to develop a the new supervisory policies to respond to, but not to inhibit innovation.
To solve the problem caused by the regulatory and compliance barriers, the FCA in the UK came up with a security mechanism called regulatory sandbox. A regulatory sandbox allows fintech startups to experiment with new business models without the burden of capital and qualification. However, the experiments cannot violate rules and regulations regarding customer protection.
In other words, fintech startups can run the test under the circumstance that customers’ rights are under regulatory protection and their number is controlled. In the process of experimentation, fintech start-ups can learn the purpose of supervisory institutions and authorities. Meanwhile, supervisory institutions can learn about the risk of innovative products or services and, in turn, develop legislation to regulate them. Following the implementation of the regulatory sandbox in the UK, Singapore, Australia, Hong Kong, the United States and Taiwan have also introduced regulatory sandboxes for fintech.
This thesis starts with a comparison of the current development, application, and future trend of the regulatory sandboxes in the UK, Singapore, Australia, the US, and Hong Kong. This thesis then moves on to discuss the regulatory sandbox in Taiwan, its recent operation and development, and the introduction of relevant regulations. Finally, by comparing Taiwan’s regulatory sandbox and the regulatory sandboxes in the other five countries, this thesis proposes several ways to establish a better supervisory environment in Taiwan. |
| Reference: | 壹、 中文文獻
一、 中文書籍（按筆畫排序）
1. 王志誠，現代金融法，新學林出版，2017年10月3版。
2. 谷湘儀、臧正運，金融科技發展與法律，協合國際法律事務所，五南出版， 2017年5月初版。
二、 期刊專論
1. 王志誠，金融科技發展與創新實驗條例之立法及評釋，存款保險資訊季刊第31卷1期，2018年3月。
2. 張冠群，自金融監理原則與金融消費者保護觀點論金融科技監理沙盒制度──兼評行政院版「金融科技創新實驗條例草案」，頁5-34，月旦法學雜誌2017年7月（266期）。
3. 臧正運，建構台灣金融科技創新實驗的配套機制，月旦會計實務研究第6期，2018年6月。
4. 臧正運、彭金隆，我國金融科技創新實驗落地機制之檢視與構建，月旦法學雜誌第266期，2017年7月
5. 蔣念祖，洗錢防制配套及金融監理沙盒制度之隱憂，萬國法律第215期，2017年10月，頁89-99。
三、 網路資源
1. 《金融股》群益證拚縮短交割時差，資產轉換T＋0合約進沙盒，中時電子報
2. FINTECH專欄：我國監理沙盒法律面臨的挑戰，風傳媒
3. 台灣金融監理沙盒成功首例！ 信用小白用手機號碼就可辦貸款，ETtoday新聞
4. 全球首創基金即時交換監理沙盒 年底前上線，中央社
5. 行政院，《金融科技發展與創新實驗條例》—鼓勵創新，提升金融競爭力
6. 亞洲首家監理沙盒 很想來台，中時電子報。
7. 兩家「老」新創 要幫移工安心匯錢回家，今週刊
8. 玩假的？亞洲第一開跑的新加坡監理沙盒，為何只有一家新創通過？，天下雜誌。
9. 金管會，打造數位化金融環境3.0全面啟動
10. 金管會，金管會成為全球金融創新聯盟(GFiN)會員相關資訊揭露
11. 金管會，金管會核准首宗金融科技創新實驗申請案
12. 金融科技創新園區FinTechSpace 「數位沙盒」創新實證招募啟動！ 聯合國內外逾30家金融與科技業者攜手共創，財團法人資訊工業策進會
13. 金融科技創新實驗管理辦法立法理由
14. 保險首例 國壽攜手易遊網進沙盒賣旅平險，經濟日報
15. 保險業監管局，保險科技沙盒
16. 首例！國泰人壽與易遊網合作1分鐘旅平險正式通過，經濟日報
17. 香港金融管理局，金融科技監管沙盒
18. 香港證券及期貨事務監察委員會，證監會監管沙盒的通函
19. 國內金融監理沙盒首創的基金交換平臺12月即將上線，維運團隊好好投資揭露更多技術運作細節，iThome新聞
20. 基金投資將「告別手續費」 遠銀Bankee與科技業好好投資合作案獲准進入沙盒實驗，自由時報
21. 基金投資將「告別手續費」 遠銀Bankee與科技業好好投資合作案獲准進入沙盒實驗，自由時報
22. 張冠群，金融科技監理沙盒 莫忽略消費者保護，蘋果新聞網
23. 傳統銀行不是敵人是神隊友！易安聯打造外籍移工超愛用跨境匯款服務，創業新聞
24. 群益金鼎證 資產轉換T+0進沙盒，工商時報。
25. 群益金鼎證 資產轉換T＋0進沙盒，中時電子
26. 達標了！「監理沙盒」申請踴躍 金管會首年受理10件，自由時報
27. 遠銀攜手好好 新型態基金交易入監理沙盒，工商時報
28. 數位沙盒新創申請須知-v9.0 ，金融科技創新園區
29. 數位沙盒簡介，金融科技創新園區
貳、 英文文獻
一、 期刊專論
1. Arbor Ventures , Fintech — Past, Present and Future
2. Dirk Zetzsche, Ross P. Buckley, Douglas W. Arner, Janos Nathan Barberis, Regulating a Revolution From Regulatory Sandboxes to Smart Regulation 41, 23 Fordham Journal of Corporate and Journal of Corporate and Financial Law 31.Financial Law 31 (2017)
3. Douglas W. Arner & Janos Barberis & Ross p. buckley, 150 years of FinTech: An Evolutionary Analysis
4. Douglas W. Arner & Janos Barberis & Ross p. buckley, THE EVOLUTION OF FINTECH A NEW POST-CRISIS PARADIGM
5. FinTech: Considerations on How to Enable a 21st Century Financial Services Ecosystem, Jackson Mueller, Milken Institute , Center For Financial Markets (2017)
6. Stephen R. Freedman, Regulating the Modern Financial Firm Implications of Disintermediation and Conglomeration
二、 網路資源
1. Arizona Becomes First State to Establish FinTech Sandbox, Daniel Press
2. ASIC, RG 257.1, Regulatory Guide 257: Testing fintech products and services without holding an AFS or credit licence
3. CGAP ,Regulatory Sandboxes and Financial Inclusion
4. Consumer Financial Protection Bureau , Policy to Encourage Trial Disclosure Programs
5. Consumer Financial Protection Bureau ,Policy on the Compliance Assistance Sandbox
6. Consumer Financial Protection Bureau, Policy on the Compliance Assistance Sandbox
7. FCA, Default standards for sandbox testing parameters
8. FCA, Global Financial Innovation Network consultation
9. FCA, Regulatory Sandbox
10. FCA, Regulatory sandbox lessons learned report
11. Financial Stability Board ,Financial Stability Implications from FinTech
12. Financial Stability Board, Financial Stability Implications from FinTech
13. FinTech Australia ,EY FinTech Australia Census (2018)
14. FinTech Australia ,EY FinTech Australia Census (2019)
15. Frequently Asked Questions ,Arizona Attorney General Mark Brnovich
16. Geier, Eric, How to Keep Your PC Safe With Sandboxing,
17. Ian Goldberg; David Wagner; Randi Thomas & Eric Brewer,. A Secure Environment for Untrusted Helper Applications. Proceedings of the Sixth USENIX UNIX Security Symposium 10 . (1996).
18. KPMG, Fintech 100
19. KPMG, The pulse of fintech 8 (2018)
20. MAS ,List of Sandbox Experiments
21. MAS, Sandbox Express Guideline
22. Monetary Authority of Singapore, FinTech Regulatory Sandbox Guidelines |
| Description: | 碩士
國立政治大學
法律學系
105651044 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0105651044 |
| Data Type: | thesis |
| DOI: | 10.6814/NCCU202000145 |
| Appears in Collections: | [法律學系] 學位論文
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