台灣金融科技發展之現況與展望

The Current State and Prospects of FinTech Development in Taiwan

自2015年成立金融科技辦公室以來，揭開了台灣金融科技發展的序幕。政府一連串的金融科技發展的舉措，都說明了政府已經重視到金融科技的發展與趨勢。當然，這些施政項目，也確實帶動了台灣金融科技的發展。尤其，金融業者更致力於金融科技的研發上。凡舉金融產品研發、金融科技從業相關員工數、金融科技專利、金融業者與金融科技業者合作情形等面向，都具有相當的成果。然而，部分的措施仍有再次檢視的必要。展望未來，政府於制定金融科技發展的政策或法規時，在風險可控的範圍內，如能提供金融業者環境，從事破壞性創新的研發行為，將有助於台灣金融科技的發展。

Since the FinTech Office was set up in 2015, the FinTech development of Taiwan had been started. A series of government policies expose that the government pay attention to the development and trend of FinTech. Indeed, these policies promote the FinTech development of Taiwan. Especially, the financial institutions devote to the investigation of FinTech. Such as the research and development of financial products, the number of employees involved in the Fintech industry, the patents of Fintech, and the cooperation between financial industry and Fintech industry have achieved considerable results. However, some government policies still need to be reviewed again. Looking ahead, when government makes the FinTech development policies or regulations, if it can provide the environment to financial institutionsto engage the destructive and innovative research under the controlled risk, it is benefited to the FinTech development of Taiwan.