| 英文摘要 |
In recent years, the popularity of the Internet and changes in users’ habits have accelerated the progress of the non-cash payment society. The government in Taiwan likewise hopes to develop the money transmission business further. However, while the E-payment licenses were open for application in 2015, the enterprises were not much interested in applying for such licenses. For those who have obtained licenses, their business performances were also poor. Given that regulation is the key to building any business’s environment, the failures mentioned above should be partly related to the legislative design of the E-payment Act. Moreover, since the regulatory approach would have the most direct impact on the industry, this article will review the current regulatory approach of the E-payment Act based on the concept of the proportionality supervision theory of simple financial institutions. In addition, this article will also conduct a comparative legal analysis by referring to the regulatory design of the U.S. and EU laws. Finally, with the objective of achieving proper risk management, this article will attempt to find an optimal regulatory approach for E-payment institutions and propose amendments to the current E-payment Act. |
