2015-08-012024-05-18https://scholars.lib.ntu.edu.tw/handle/123456789/698096摘要：本研究計畫係探討我國對於第三方支付服務應有的法規範模式。我國甫於2015年1月立法通過「電子支付機構管理條例」，正式允許非金融機構從事第三方支付服務的業務，即使如此，相關子法的規定，仍朝向有利於銀行業之規範。由於歐美各國的第三方支付服務業者，其發展均有相當成效，而在法規範的模式上，卻採擇了完全不同的規範模式，本研究計畫擬以歐美兩地的法制作為研究對象，透過兩地不同規範模式的比較、評析，作為我國法適用上的借鏡。<br> Abstract: This research will focus on the regulation of payment service in Taiwan. Payment Processing Institutions Act has been enacted in Jan 2015. Non-financial institutions are allowed to conduct the payment service by the act. However the relevant detailed regulations have enacted and the authorities seem to be benefit for banks than new payment services providers. It is not clear whether the authorities will follow the act to establish the detailed regulations. The payment services in EU and U.S. have developed well. The regulations of payment service are adopted different models. This research will analyze and evaluate both models. The research result will be used as a suggestive idea to Taiwan’s regulation.第三方支付服務金融機構電子商務匯兌業務存款業務Payment ServiceFinancial InstitutionE-CommerceRemittanceDeposit