近年來,金融科技的興起帶來創新的金融服務並衝擊現有的監理方式。有些國家採取觀望的策略;有些國家則採取修改法律、推出新的執照制度甚或實驗型的監理模式。自2015年英國提出金融監理沙盒(Regulatory Sandbox)制度以來,許多國家陸續跟進,以監理沙盒實驗作為探索風險、重思監理疆界,並協助金融創新落地發展的措施。監理沙盒堪稱近年來擴散速度最快、影響最為深遠的一種新興金融監理制度。本文探究導致各國相繼採行金融監理沙盒制度的原因,並找出該制度在各國擴散的主要影響因子。藉由量化分析,本研..
In recent years, the rise of Fintech has introduced innovative financial services and has brought a significant impact on the existing financial regulatory frameworks. Financial regulators in different countries deal with the challenges in different ways: some adopt a “wait and see” strategy, in which they do not enact new regulatory institutions. Some countries take a more active approach through revision of laws, issuing new licenses, and adopting an experimental regulatory mechanism. Since the United Kingdom announced the fin..
作為德國歷史上的第一個民主政體─威瑪共和從誕生開始就是一個「生病的民主」,也是一個「沒有民主人的民主」。威瑪憲法的制定者除了架構起所謂的「程序性民主」之外,同時更在議會制的基礎上賦予民選的總統強大的權力─半總統制,加上欠缺民主文化,以及存在著反體制的政黨,致令威瑪憲法像是特洛伊木馬。最後在議會政治失敗的亂局中,希特勒(Adolf Hitler)率領納粹黨徒從木馬中一躍而出,用原本是保護民主的權力將民主政體合法地謀殺掉。 二戰後的聯邦德國..
As the first democracy in German history, the Weimar Republic was “a sick democracy”, and “a democracy without democrats” ever since it was born. The composers of the Weimar Constitution not only constructed a so-called “procedural democracy”, but also gave the extreme power to the people-elected president – semi-presidentialism – based on the foundation of parliamentary system. Furthermore, accompanied with a political climate that lacked democratic culture and existing parties..
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