金融科技對法令遵循所帶來的衝擊與挑戰

The Impact and Challenges of Financial Technology on Legal Compliance

金融科技蓬勃發展為現代金融市場帶來許多變革，而「資訊導向」的金融市場已是無法忽視的課題，法令遵循是一種由組織內部遵守且將相關規定內化於組織中的一種內部監理機制，以防止企業發生不法之情事，完善的法令遵循監理機制成本很高，藉由金融科技可有效降低監理成本，並提升監理效率。金融科技能讓未來法令遵循的方式更準確、更有效率，並能找出潛在的危險因子，但如何讓金融業擁抱新科技，並適應監理環境的變化，則是當前所面臨的難題，金管會於2020年提出「金融科技發展路徑圖」，對於建構良好的法遵科技環境提供了最好的方向。本文試圖從金融科技帶來法遵科技的進步探究金融科技對法令遵循所帶來的衝擊與挑戰。

The vigorous development of financial technology has brought many changes to the modern financial market, and the “information-oriented” financial market has become an issue that cannot be ignored. Compliance with laws and regulations is an internal supervision mechanism that is complied with within the organization and internalizes relevant regulations, in order to prevent the occurrence of illegal activities in the enterprise, the cost of a perfect legal compliance supervision mechanism is very high, and the use of financial technology can effectively reduce the supervision cost and improve the supervision efficiency. Financial technology can make future laws and regulations more accurate and efficient, and can identify potential risk factors, but how to enable the financial industry to embrace new technologies and adapt to changes in the supervisory environment is the current problem. The “Fintech Development Roadmap” was proposed in 2020, which provides the best direction for building a sound technology environment for legal compliance. This article attempts to explore the impact and challenges of financial technology on legal compliance from the advancement of legal compliance technology brought by financial technology.