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題名 法遵科技創新應用之分析
The Analysis of Regulatory Technology Innovative Applications作者 陳羿君
Chen, I-Chun貢獻者 王儷玲
Wang, Li-Ling
陳羿君
Chen, I-Chun關鍵詞 法令遵循
法遵科技
科技趨勢分析
Compliance
RegTech
Regulatory technology
Technology trend analysis日期 2022 上傳時間 1-Aug-2022 17:31:14 (UTC+8) 摘要 法遵科技為近幾年國際上各國政府積極推動的政策之一，且金融科技興起與疫情導致金融數位轉型加速使監管環境發生變化，因此法遵科技的發展備受重視。本研究透過文獻回顧法遵科技的發展歷程、金融業者在法令遵循方面的痛點，與其衍生出的法遵科技解決方案類型。本研究根據不同應用類別挑選數家國外與我國的法遵科技個案，進一步探討國際法遵科技發展是否有可供我國借鏡之處，研究其中的阻礙與困難，最後提出數點政策與產業建議，包括（1）開放更多資料共享；（2）建立通用資料標準；（3）訂立法遵科技運用AI技術的應用規範；（4）法遵科技以模組化搭配雲端服務優化部署；（5）打造法遵科技生態系，期許我國金融與法遵科技產業能更加蓬勃發展，打造雙贏的局面。
Regulatory technology is one of the policies actively promoted by governments in the recent years. The rise of financial technology and the emergence of COVID-19 have led to the acceleration of financial digital transformation, resulting in changes in the regulatory environment. Therefore, the development of regulatory technology has received much attention. This study reviews the development of regulatory technology, the pain points of the financial industry in terms of compliance, and the types of regulatory technology solutions.This study selects several overseas and Taiwan regulatory technology cases based on different application categories to explore whether there is anything we can take as a reference. This study proposes several policy and industry recommendations, including (1) promoting more data sharing; (2) common data standards should be established; (3) establishing AI application specifications for RegTech; (4) optimizing the deployment of regulatory technology by modularization and cloud services; and (5) creating a regulatory technology ecosystem.參考文獻 4D KYC操作手冊，上網日期：2022年06月12日，檢自：https://lis.nsysu.edu.tw/static/file/1/1001/attach/20/pta_170993_1967022_48559.pdf6Clicks官方網站，上網日期2022年06月07日，檢自：https://www.6clicks.com/Authme官方網站，上網日期2022年05月19日，檢自：https://authme.com/b.fine官方網站，上網日期2022年05月19日，檢自：https://b-fine.be/Corlytics官方網站，上網日期2022年05月19日，檢自：https://www.corlytics.com/Compliance.ai官方網站，上網日期2022年05月19日，檢自：https://www.compliance.ai/Deloitte(2021)，台灣金融科技趨勢展望。臺北市：Deloitte。Fintech Space官方網站，上網日期2022年06月10日，檢自：https://www.fintechspace.com.tw/zh-hant/Jacksoft官方網站，上網日期2022年05月19日，檢自：https://www.jacksoft.com.tw/index/index.phpSAS & Longitude，從危機到轉機：重新定義風險管理，上網日期2022年06月09日，檢自：https://www.sas.com/content/dam/SAS/documents/marketing-whitepapers-ebooks/sas-whitepapers/zh-tw/from-crisis-to-opportunity-risk-management-112141.pdfTrulioo官方網站，上網日期2022年05月19日，檢自：https://www.trulioo.com/Quantexa官方網站，上網日期2022年05月19日，檢自：https://www.quantexa.com/七法官方網站，上網日期2022年05月19日，檢自：https://about.lawsnote.com/王儷容、沈中華(2019)，法遵科技、監理科技與金融科技監理。臺北市：臺灣金融研訓院。中央存款保險(2012)，《2008年全球金融危機紀要與改革趨勢》中央存款保險(2018)，《紐約、倫敦、香港及新加坡金融中心發展》中華徵信所，國際金融高手跨界AML KYC人工智能領域，上網日期：2022/06/06，檢自：https://www.credit.com.tw/NewCreditOnline/Epaper/InterviewContent.aspx?sn=103&unit=515林芷圓，Lawsnote引領法律科技創新趨勢：打造法學界的「Google搜尋引擎」，上網日期：2022/06/06，檢自：https://www.bnext.com.tw/article/57687/meet-startups-lawsnote-lawtech林宏義(2020)，金融機構法令遵循概要。臺北市：臺灣金融研訓院。李靜宜，勤業眾信揭露AI在臺發展三大困境：法規未健全、資料庫不夠在地化、中文技術尚未成熟。上網日期：2022/06/15，取自：https://www.ithome.com.tw/news/122046金融管理監督委員會(2016)，《金融科技發展策略白皮書》。台北，金融管理監督委員會。金融管理監督委員會(2020)，《金融科技發展路徑圖》。台北，金融管理監督委員會。科技部，科技部訂定「人工智慧科研發展指引」 完善我國AI科研發展環境，上網日期2022年06月16日，檢自：https://www.most.gov.tw/folksonomy/detail?subSite=main&article_uid=dbf8da09-22be-4ef1-8294-8832fc6e8a26&menu_id=9aa56881-8df0-4eb6-a5a7-32a2f72826ff&l=CH&utm_source=rss捷智商訊官方網站，上網日期2022年05月19日，檢自：http://www.metaedge.com.tw/index.asp廖珮君，個人信評資料傳P2P 放行，上網日期：2022年06月16日，檢自：https://money.udn.com/money/story/12926/6061058劉季清，3大原因 金融服務業成為網路攻擊頭號目標，工商時報，上網日期2022年05月19日，檢自： https://www.chinatimes.com/realtimenews/20211026003232-260410?chdtv蕭文康，台灣首例 法律科技新創龍頭Lawsnote完成種子輪募資估值破億，蘋果日報，上網日期2022年06月06日，檢自：https://tw.appledaily.com/property/20210614/ZIVNJCZAUFGD3CNRKXTGNXQYFI/?utm_source=line&utm_medium=messenger&utm_campaign=twad_article_share&utm_content=share_link優利佳金融科技官方網站，上網日期2022年05月19日，檢自：https://www.eurekafintech.com/蘇文彬，金管會主題式監理沙盒及業務試辦3/24接受申請，鼓勵數位身分認證及授權創新，上網日期2022年06月12日，檢自：https://www.ithome.com.tw/news/149537臺灣集中保管結算所(2017)，洗錢防制查詢系統，上網日期2022年06月25日，檢自：https://smart.tdcc.com.tw/attach/etraining/T_299.pdfAlexandros A. 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國立政治大學
風險管理與保險學系
108358022資料來源 http://thesis.lib.nccu.edu.tw/record/#G0108358022 資料類型 thesis dc.contributor.advisor 王儷玲 zh_TW dc.contributor.advisor Wang, Li-Ling en_US dc.contributor.author (Authors) 陳羿君 zh_TW dc.contributor.author (Authors) Chen, I-Chun en_US dc.creator (作者) 陳羿君 zh_TW dc.creator (作者) Chen, I-Chun en_US dc.date (日期) 2022 en_US dc.date.accessioned 1-Aug-2022 17:31:14 (UTC+8) - dc.date.available 1-Aug-2022 17:31:14 (UTC+8) - dc.date.issued (上傳時間) 1-Aug-2022 17:31:14 (UTC+8) - dc.identifier (Other Identifiers) G0108358022 en_US dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/141072 - dc.description (描述) 碩士 zh_TW dc.description (描述) 國立政治大學 zh_TW dc.description (描述) 風險管理與保險學系 zh_TW dc.description (描述) 108358022 zh_TW dc.description.abstract (摘要) 法遵科技為近幾年國際上各國政府積極推動的政策之一，且金融科技興起與疫情導致金融數位轉型加速使監管環境發生變化，因此法遵科技的發展備受重視。本研究透過文獻回顧法遵科技的發展歷程、金融業者在法令遵循方面的痛點，與其衍生出的法遵科技解決方案類型。本研究根據不同應用類別挑選數家國外與我國的法遵科技個案，進一步探討國際法遵科技發展是否有可供我國借鏡之處，研究其中的阻礙與困難，最後提出數點政策與產業建議，包括（1）開放更多資料共享；（2）建立通用資料標準；（3）訂立法遵科技運用AI技術的應用規範；（4）法遵科技以模組化搭配雲端服務優化部署；（5）打造法遵科技生態系，期許我國金融與法遵科技產業能更加蓬勃發展，打造雙贏的局面。 zh_TW dc.description.abstract (摘要) Regulatory technology is one of the policies actively promoted by governments in the recent years. The rise of financial technology and the emergence of COVID-19 have led to the acceleration of financial digital transformation, resulting in changes in the regulatory environment. Therefore, the development of regulatory technology has received much attention. This study reviews the development of regulatory technology, the pain points of the financial industry in terms of compliance, and the types of regulatory technology solutions.This study selects several overseas and Taiwan regulatory technology cases based on different application categories to explore whether there is anything we can take as a reference. This study proposes several policy and industry recommendations, including (1) promoting more data sharing; (2) common data standards should be established; (3) establishing AI application specifications for RegTech; (4) optimizing the deployment of regulatory technology by modularization and cloud services; and (5) creating a regulatory technology ecosystem. en_US dc.description.tableofcontents 摘要 iiAbstract iii第一章 緒論 1第一節 研究背景 1第二節 研究動機 4第三節 研究目的 8第四節 研究架構 9第二章 文獻回顧 10第一節 何謂法遵科技 10第二節 法遵科技的發展歷程 13第三節 金融機構在法令遵循領域的痛點 20第四節 國際金融業者導入法遵科技的阻礙 31第三章 法遵科技發展趨勢與創新應用個案 34第一節 國際法遵科技發展趨勢 34第二節 國外法遵科技個案介紹 40第三節 國內法遵科技發展趨勢 59第四節 國內法遵科技個案介紹 61第五節 小節 72第四章 法遵科技應用發展分析 73第一節 國際法遵科技應用值得借鏡之處 73第二節 國內發展法遵科技的問題與限制 77第五章 建議與結論 81第一節 研究發現 81第二節 產業發展與政策建議 84第三節 研究限制與未來研究方向 91參考文獻 92 zh_TW dc.format.extent 4703253 bytes - dc.format.mimetype application/pdf - dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0108358022 en_US dc.subject (關鍵詞) 法令遵循 zh_TW dc.subject (關鍵詞) 法遵科技 zh_TW dc.subject (關鍵詞) 科技趨勢分析 zh_TW dc.subject (關鍵詞) Compliance en_US dc.subject (關鍵詞) RegTech en_US dc.subject (關鍵詞) Regulatory technology en_US dc.subject (關鍵詞) Technology trend analysis en_US dc.title (題名) 法遵科技創新應用之分析 zh_TW dc.title (題名) The Analysis of Regulatory Technology Innovative Applications en_US dc.type (資料類型) thesis en_US dc.relation.reference (參考文獻) 4D KYC操作手冊，上網日期：2022年06月12日，檢自：https://lis.nsysu.edu.tw/static/file/1/1001/attach/20/pta_170993_1967022_48559.pdf6Clicks官方網站，上網日期2022年06月07日，檢自：https://www.6clicks.com/Authme官方網站，上網日期2022年05月19日，檢自：https://authme.com/b.fine官方網站，上網日期2022年05月19日，檢自：https://b-fine.be/Corlytics官方網站，上網日期2022年05月19日，檢自：https://www.corlytics.com/Compliance.ai官方網站，上網日期2022年05月19日，檢自：https://www.compliance.ai/Deloitte(2021)，台灣金融科技趨勢展望。臺北市：Deloitte。Fintech Space官方網站，上網日期2022年06月10日，檢自：https://www.fintechspace.com.tw/zh-hant/Jacksoft官方網站，上網日期2022年05月19日，檢自：https://www.jacksoft.com.tw/index/index.phpSAS & Longitude，從危機到轉機：重新定義風險管理，上網日期2022年06月09日，檢自：https://www.sas.com/content/dam/SAS/documents/marketing-whitepapers-ebooks/sas-whitepapers/zh-tw/from-crisis-to-opportunity-risk-management-112141.pdfTrulioo官方網站，上網日期2022年05月19日，檢自：https://www.trulioo.com/Quantexa官方網站，上網日期2022年05月19日，檢自：https://www.quantexa.com/七法官方網站，上網日期2022年05月19日，檢自：https://about.lawsnote.com/王儷容、沈中華(2019)，法遵科技、監理科技與金融科技監理。臺北市：臺灣金融研訓院。中央存款保險(2012)，《2008年全球金融危機紀要與改革趨勢》中央存款保險(2018)，《紐約、倫敦、香港及新加坡金融中心發展》中華徵信所，國際金融高手跨界AML KYC人工智能領域，上網日期：2022/06/06，檢自：https://www.credit.com.tw/NewCreditOnline/Epaper/InterviewContent.aspx?sn=103&unit=515林芷圓，Lawsnote引領法律科技創新趨勢：打造法學界的「Google搜尋引擎」，上網日期：2022/06/06，檢自：https://www.bnext.com.tw/article/57687/meet-startups-lawsnote-lawtech林宏義(2020)，金融機構法令遵循概要。臺北市：臺灣金融研訓院。李靜宜，勤業眾信揭露AI在臺發展三大困境：法規未健全、資料庫不夠在地化、中文技術尚未成熟。上網日期：2022/06/15，取自：https://www.ithome.com.tw/news/122046金融管理監督委員會(2016)，《金融科技發展策略白皮書》。台北，金融管理監督委員會。金融管理監督委員會(2020)，《金融科技發展路徑圖》。台北，金融管理監督委員會。科技部，科技部訂定「人工智慧科研發展指引」 完善我國AI科研發展環境，上網日期2022年06月16日，檢自：https://www.most.gov.tw/folksonomy/detail?subSite=main&article_uid=dbf8da09-22be-4ef1-8294-8832fc6e8a26&menu_id=9aa56881-8df0-4eb6-a5a7-32a2f72826ff&l=CH&utm_source=rss捷智商訊官方網站，上網日期2022年05月19日，檢自：http://www.metaedge.com.tw/index.asp廖珮君，個人信評資料傳P2P 放行，上網日期：2022年06月16日，檢自：https://money.udn.com/money/story/12926/6061058劉季清，3大原因 金融服務業成為網路攻擊頭號目標，工商時報，上網日期2022年05月19日，檢自： https://www.chinatimes.com/realtimenews/20211026003232-260410?chdtv蕭文康，台灣首例 法律科技新創龍頭Lawsnote完成種子輪募資估值破億，蘋果日報，上網日期2022年06月06日，檢自：https://tw.appledaily.com/property/20210614/ZIVNJCZAUFGD3CNRKXTGNXQYFI/?utm_source=line&utm_medium=messenger&utm_campaign=twad_article_share&utm_content=share_link優利佳金融科技官方網站，上網日期2022年05月19日，檢自：https://www.eurekafintech.com/蘇文彬，金管會主題式監理沙盒及業務試辦3/24接受申請，鼓勵數位身分認證及授權創新，上網日期2022年06月12日，檢自：https://www.ithome.com.tw/news/149537臺灣集中保管結算所(2017)，洗錢防制查詢系統，上網日期2022年06月25日，檢自：https://smart.tdcc.com.tw/attach/etraining/T_299.pdfAlexandros A. 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