論數位金融發展下的金融消費者保護

Financial Consumer Protection under the Development of Digital Finance

數位金融或是另一個熟悉的名詞金融科技，在國際上已被認為是重要的發展趨勢，其扮演全球金融業的關鍵推動力，讓金融市場更有效率和更具競爭力，同時擴大了傳統上服務不足的消費者的融資管道，有助於普惠金融。然而，數位金融科技的高速發展亦對消費者保護的帶來新的挑戰與風險，面對數位金融發展服務及商品的多樣性及多元性，數位金融消費者保護制度和發展是否能跟上數位金融發展的腳步值得關切。
從全球金融業及金融科技業發展重鎮的美國與英國的監理管及消費者保護制度觀之，可發現不論是美國抑或英國，一方面藉由金融監理沙盒的規定，放寬傳統高密度的監理管規定，鼓勵金融創新，近來則更開始強調金融消費者保護的重要性，從美國金融保護局到英國金融行為總署的行動觀之，擴大對於數位金融消費者的保護，已是必然的發展方向，我國也應建構既能促進普惠金融的數位金融發展，同時兼顧金融消費者保護的監理制度。

Digital finance, or Fintech, which is familiarly known, has been recognized internationally as an important development trend playing a key driving force in the global financial industry to make financial markets more efficient and competitive, while expanding channels of finance for traditionally underserved consumers, which in turn makes a contribution to the financial inclusion. However, the rapid development of digital financial technology also brings new challenges and risks to consumer protection, and gives rise to worthwhile concerns about whether the consumer protection system and development of digital finance can keep pace with the development of digital finance while facing the diversity and variety of services and products under the development of digital finance.
From the perspectives of the regulatory supervision and the consumer protection system of the United States and the United Kingdom, which are strongholds in the global financial industry and financial technology industry, it can be found that either in the United States or in the United Kingdom, on the one hand, through the provisions of the financial regulatory sandbox, there is a trend of relaxing the traditional tight regulatory framworks in order to encourage financial innovation and on the other hand recently the regulatory agencies have begun to emphasize the importance of financial consumer protection. From the actions taken by the Financial Industry Regulatory Authority in the United States and the Financial Conduct Authority in the United Kingdom, there is a definite trend of increasing protection of digital financial customers. Taiwan should follow this trend and build a supervision system that can not only promote the development of digital finance but also take into account the protection of financial consumers.