| Summary: | 碩士 === 國立臺灣科技大學 === 財務金融研究所 === 107 === Since Financial Conduct Authority（FCA）released the Regulatory Sandbox in November 2015, the United Kingdom began implementing the system in June 2016. More and more countries have followed suit, but they have not established a special law. Taiwan is not only the fifth country with a financial regulatory sandbox system, but also the first civil law country to adopt the regulatory sandbox and the first country to establish a sandbox special law for financial regulatory. But after the publication of the special law, there is a pile of suspicion and distrust. This study is intended to understand the current direction of Taiwan's financial technology development through practical interviews, and whether the regulations are appropriate for applicants and authorities, and whether it is helpful to develop in overall financial technology.
The results of the study found that Taiwan’s competent authorities and applicants have some differences in their concepts and communication is less efficient. It leads to a slower pace of innovation than other countries. If the main influencing regulations can be amended, other regulations can be relaxed, and lower the threshold of the experimental sandbox. It not only can control risks, but also achieve the alliance strategy between financial industry and non-financial industry. It also accelerates the pace of innovation in Taiwan, solve the pain point of people's finance, and achieve the goal of financial progress.
This study makes recommendations through two major parts: financial service innovation and financial regulatory sandbox. In terms of financial service innovation, the main focus is on solving pain points and strategic alliances; the financial regulatory sandbox part is divided into three aspects: the competent authority, the applicant and the consumer.
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