我國金融科技發展與監理的美麗新世界──兼論金融科技發展與創新實驗條例之發展與前瞻

The Brave New World of Financial Technology Development and Supervision in Taiwan:A prospective Investigation of Financial Technology Development and Innovative Experimentation Act

本文從前瞻性的觀點探究我國當前金融科技發展和實務的現況，以及因應金融自由化潮流與鄰近國家地區運作之情形，比附援引，就我國金融監理政策之推動與管理加以分析。同時兼論2018年4月30日金融科技發展與創新實驗條例之頒布施行後，對於國內既有金融市場結構可能的改變做前瞻性的分析，藉此作為該法日後修訂時暮鼓晨鐘的啟示。

This paper presents an overview of the development and practice focusing on current financial technology, financial supervision and regulatory sandbox in Taiwan, where the relevant case study, such as P2P Lending in China, is discussed with comparison as well. The paper, in addition, attempted to conduct critical analysis on Financial Technology Development and Innovative Experimentation Act of 2018 for the impact of Taiwan’s financial market, is supposed to make suggestions with a prospective point of view.