Regulations Governing Financial Technology Innovative Experimentation Article 5
The term "scale of innovative experimentation" mentioned in the Act refers to the number of participants and the monetary amount involved in the innovative experimentation.The term "monetary amount involved in the innovative experimentation" mentioned in the preceding paragraph refers to the limit of financial products or services provided by the applicant to any single participant set by the applicant itself based on the business nature of the innovative experimentation and the protection measures and appropriate compensation planned after evaluating its own financial position and risk capacity, which also complies with the following provisions:The aggregate amount of funds, transactions or risk exposures associated with the contracts entered into by the applicant with all participants during the experimentation period and during the contracts' effective period of financial products or services provision, shall not exceed NT$100 million or foreign currency equivalent thereof .With the exception of qualified institutional investors, the amounts of funds, transactions or risk exposures associated with the financial products or services provided through an innovative experimentation to any single participant are subject to the following limits:The amount of consumer credit or loan shall be limited to NT$500,000.The premium or service fees of an insurance product shall be limited to NT$100,000 or equivalent foreign currency thereof, or the insured amount shall be limited to NT$1,000,000 or equivalent foreign currency thereof.Other financial products or services shall be limited to NT$250,000 or equivalent foreign currency thereof.The amounts of funds, transactions or risk exposures involved in an innovative experimentation mentioned in the preceding paragraph refer to the amounts of funds, transactions or risk exposures agreed in the contract entered between the applicant and a participant on the provision of financial products or services, excluding investment income, interest income or other income derived thereof.Where an innovative experimentation involves only charging service fees, the review meeting should determine the limit of total service fees charged and the limit of service fees charged to any single participant in view of the nature of individual business, protection measures adopted and actual management needs.The review meeting may reduce or increase the limits to the amount of funds, transactions or risk exposures associated with contracts provided under Subparagraph 1, Paragraph 2 hereof and the amount of funds, transactions or risk exposures associated with participants provided under Subparagraph 2 of the same paragraph in view of the nature of individual business, protection measures adopted and actual management needs. However, the increased limit of the aggregate amount of funds, transactions or risk exposures associated with the contracts provided under Subparagraph 1, Paragraph 2 hereof shall not exceed NT$200 million or equivalent foreign currency thereof.The term "qualified institutional investor" mentioned in Subparagraph 2, Paragraph 2 hereof refers to a qualified institutional investor provided in Subparagraph 1, Paragraph 1, Article 4 of the Financial Consumer Protection Act.
中文原文 金融科技創新實驗管理辦法第5條
本條例所稱創新實驗之規模，指參與者人數及創新實驗所涉金額。
前項所稱創新實驗所涉金額，指申請人應評估自身資金狀況及可承擔風險能力，依創新實驗之金融業務性質及所規劃之保護措施及適當補償，自行訂定對單一參與者提供金融商品或服務之限額，並符合下列規定：
一、實驗期間申請人與所有參與者所簽訂之契約於提供金融商品或服務有效期間內，其契約之資金、交易或暴險金額總計不得逾新臺幣一億元或其等值外幣。
二、創新實驗提供之金融商品或服務，除專業投資機構外，對單一參與者所涉及資金、交易、暴險金額如下：
（一）消費信貸金額以新臺幣五十萬元為限。
（二）保險商品之保費或保險服務費用以新臺幣十萬元或其等值外幣為限或保險金額以新臺幣一百萬元或其等值外幣為限。
（三）其餘金融商品或服務以新臺幣二十五萬元或其等值外幣為限。
前項創新實驗涉及之資金、交易或暴險金額，指申請人與參與者訂定提供金融商品或服務當時契約約定之資金、交易或暴險金額，不計入衍生之投資收益、利息收入等。
創新實驗僅涉及收取服務費用者，其收取之服務費用總額及對單一參與者收取之服務費用限額，審查會議應視個別業務性質、保護措施與實際管理需要予以認定。
第二項第一款契約之資金、交易或暴險金額及第二款創新實驗參與者所涉及之資金、交易、暴險金額得經審查會議決議視個別業務性質、保護措施與實際管理需要，予以限縮或放寬限制。
但放寬後第二項第一款契約之資金、交易或暴險金額總計不得逾新臺幣二億元或其等值外幣。
第二項第二款所稱之專業投資機構，指依金融消費者保護法第四條第一項第一款規定之專業投資機構。
前項所稱創新實驗所涉金額，指申請人應評估自身資金狀況及可承擔風險能力，依創新實驗之金融業務性質及所規劃之保護措施及適當補償，自行訂定對單一參與者提供金融商品或服務之限額，並符合下列規定：
一、實驗期間申請人與所有參與者所簽訂之契約於提供金融商品或服務有效期間內，其契約之資金、交易或暴險金額總計不得逾新臺幣一億元或其等值外幣。
二、創新實驗提供之金融商品或服務，除專業投資機構外，對單一參與者所涉及資金、交易、暴險金額如下：
（一）消費信貸金額以新臺幣五十萬元為限。
（二）保險商品之保費或保險服務費用以新臺幣十萬元或其等值外幣為限或保險金額以新臺幣一百萬元或其等值外幣為限。
（三）其餘金融商品或服務以新臺幣二十五萬元或其等值外幣為限。
前項創新實驗涉及之資金、交易或暴險金額，指申請人與參與者訂定提供金融商品或服務當時契約約定之資金、交易或暴險金額，不計入衍生之投資收益、利息收入等。
創新實驗僅涉及收取服務費用者，其收取之服務費用總額及對單一參與者收取之服務費用限額，審查會議應視個別業務性質、保護措施與實際管理需要予以認定。
第二項第一款契約之資金、交易或暴險金額及第二款創新實驗參與者所涉及之資金、交易、暴險金額得經審查會議決議視個別業務性質、保護措施與實際管理需要，予以限縮或放寬限制。
但放寬後第二項第一款契約之資金、交易或暴險金額總計不得逾新臺幣二億元或其等值外幣。
第二項第二款所稱之專業投資機構，指依金融消費者保護法第四條第一項第一款規定之專業投資機構。