金融監理數位化之研究：我國純網銀監理系統建置的行動者網絡分析

研究目的：本文勾勒出因我國純網銀監理系統建置所形成的行動者網絡，進而分析當中人與非人行動者間的互動以及該網絡的轉譯過程。旨在發現科技監理系統所形成的行動者網絡，如何對金融科技的跨界監理模式帶來省思。研究設計／方法：個案訪談與觀察法研究結果：科技監理系統所形成的行動者網絡，對金融科技的跨界監理模式建構帶來三個層面的省思：1.網絡中的行動者必須瞭解相互的立場、目標、利益與誘因，並在動態中協作；2.監理科技系統的建置是相當適合累積監理官相關知能的應用場域；3.行動者網絡分析的視野能讓監理機關意識到非人行動者之能動性與影響。研究限制／啟發：純網銀監理系統建置的利害關係人極少，因此受訪對象的樣本數有限。此外，為了確保受訪對象的匿名，本文諸多敘述僅能以較為隱晦之方式呈現，亦無法直接引用受訪對象的發言內容。理論／實務／社會意涵：釐清監理數位化的內涵，並以其中發展最為成熟的監理申報數位化進行訪談研究，讓社會各界理解監理科技與監理系統對於金融監理協作的長遠影響。創見／價值：本文為國內首次在金融監理領域結合STS方法論與視角的實證研究嘗試，探索科技監理系統的萌生與運用對於金融監理機關與多方利害關係人間的互動產生何種影響，填補了現行文獻中的真空。

關鍵字

純網銀；監理數位化；數位監理申報；金融科技監理；行動者網絡理論

並列摘要

Purpose - This paper outlines an actor-network for Taiwan's Internet-only Bank Supervisory System. It analyzes the interactions between actors and actants and the translation process within the network, and how the network informs new thinking to the cross-boundary regulatory framework for fintech. Design/methodology/approach - Case Interview and Observational Method. Findings - The findings hold three implications for cross-boundary regulatory coordination: First, actors in the network must know one another's position, goal, interest and incentive and collaborate accordingly; Second, the creation of supervisory systems provide regulators with a suitable arena to understand the interacting dynamics between their regulatory measures and the technology adopted; Third, regulators can learn through the lens of ANT and realize the non-human actants' mobility and impacts. Research limitations/implications - Limited interview samples due to the very few participating stakeholders in building the Supervisory System. Also, to ensure the anonymity of the interviewees, this paper cannot quote the interviewees' words and can only lay out the story relatively obscurely. Practical implications/Social implications - This paper clarifies the concept of supervisory digitalization and conducts an in-depth case interview to understand digital regulatory reporting better and sheds light on how SupTech-enabled supervisory systems will hold implications for regulatory coordination. Originality/value - This paper is the first attempt in Taiwan to engage financial supervision literature with STS scholarships. It fills an interdisciplinary research gap.