隨著科技日新月異的發展，許多新興技術逐漸運用至民生、醫療等各面向領域，以求帶來更具效益且便利地生活方式，而在2008年金融海嘯過後，各國政府為避免重蹈覆轍，間接帶動了拓展新興技術至金融領域之浪潮，並塑造出金融科技與監理科技等領域，我國亦順應潮流將發展金融科技作為國家重要政策，進而催生出《金融科技發展與創新實驗條例》等相關規範；然而，自我國實施金融科技創新實驗制度至今近十年期間，僅有4件金融科技創新實驗申請案成功落地商轉為常態化業務模式，其中不具彈性之落地機制更是讓許多有意參與金融科技創新實驗之申請者望之卻步。據此，本文即透過文獻分析法與法學方法，頗析《金融科技發展與創新實驗條例》之立法歷程及金融科技創新實驗申請案例，並自立法草案初期逐步深度探討我國金融科技創新實驗制度所面臨之關鍵問題，進一步藉由研究結果提出建言。 本文共分為十個章節，依序從第一章緒論論述本文所欲探討之問題意識，接續透過第二章俯瞰世界各國發展金融監理沙盒制度之起源與歷程，以逐步涵攝至我國基於國家發展而導入相關制度之緣由，再藉由第三章及第四章研析立法初期各草案版本對現行金融科技創新實驗制度之歷程與影響，進而導向第五章至第八章成功落地之金融科技創新實驗案例，並在第九章深化對於現行金融科技創新實驗之落地機制面臨之挑戰，並透過金融科技創新實驗案例成功落地與否進行比較，觀察出關鍵核心問題，最後依據研究成果適時提出整體法制環境改善之可能性，並建議我國主管機關對於金融科技創新業務，應適度進行行政管制之放寬，增加申請人成功落地商轉之機會，亦或是透過修正《金融科技發展與創新實驗條例》部分條文，制定具有「過渡性質」之規定，以防範金融科技創新實驗之申請人與參與消費者面臨修法空窗期而受損權益之虞。;With the rapid advancement of technology， numerous emerging technologies have been gradually integrated into various fields， such as daily life and healthcare， seeking to foster more efficient and convenient lifestyles. Following the 2008 global financial crisis， governments worldwide， in an effort to prevent a recurrence， catalyzed a wave of expanding emerging technologies into the financial sector， thereby shaping the fields of Financial Technology (FinTech) and Regulatory Technology (RegTech). Adapting to this global trend， Taiwan has prioritized FinTech development as a crucial national policy， which subsequently gave rise to the Financial Technology Development and Innovative Experimentation Act and other related regulations. However， since the implementation of Taiwan′s FinTech innovative experimentation system nearly a decade ago， only four application cases have successfully transitioned into normalized commercial business models. The inflexible commercialization transition mechanism (often referred to as the "landing mechanism")， in particular， has deterred many potential applicants from participating in the experimentation. Accordingly， through literature review and legal methodology， this thesis analyzes the legislative history of the Act and practical application cases. Starting from the early stages of legislative drafts， it conducts an in-depth exploration of the critical issues confronting Taiwan′s FinTech innovative experimentation system， and further proposes recommendations based on the research findings. This thesis consists of ten chapters. It begins with Chapter 1， the introduction， which articulates the core research problem. Chapter 2 provides an overview of the origins and developmental trajectory of financial regulatory sandbox systems across various countries， gradually narrowing the focus to the rationale behind Taiwan′s adoption of such a system for its national development. Chapters 3 and 4 analyze the evolution and impact of various draft versions during the initial legislative phase on the current experimentation system. This leads to Chapters 5 through 8， which examine successfully commercialized FinTech experimentation cases. Chapter 9 deepens the discussion on the challenges facing the current commercialization transition mechanism; by comparing successful and unsuccessful cases， it identifies the core structural issues and proposes possibilities for improving the overall legal environment. Finally， Chapter 10 suggests that the competent authorities in Taiwan should moderately relax administrative controls on FinTech innovative businesses to increase applicants′ chances of successful commercialization. Alternatively， it recommends amending specific articles of the Act to establish transitional provisions， thereby preventing the rights and interests of applicants and participating consumers from being compromised during legislative vacuum periods.
