近年金融科技（Fintech）已成為金融業最熱門的單詞，大數據分析、智慧理財、互聯網金融、聊天機器人等在全球各地興起，消費者習慣也逐漸改變，使用手機解決生活中大小事已成常態。在這樣的變化下，金融業轉為強調銀行服務而不是實體銀行據點，加上法規的鬆綁，純網路銀行再次興起。
因應趨勢發展，我國金融監督管理委員會於2018年4月，正式宣布開放設立純網路銀行，並說明未來規範大方向。期望透過開放不同型態的銀行模式，促使金融業創新與提供更便利、完善的金融服務。
本研究欲先定義純網路銀行，並透過比較分析法，對比其與傳統銀行、網路銀行、數位帳戶之差異，強化純網路銀行的定位。其次介紹非實體銀行服務的歷程，了解純網路銀行於20年前初創的環境、挑戰與演變。並針對國內第一家純網路銀行在近年成立的韓國與中國，明瞭純網路銀行在該國家發起原因、歷程、相關法律監管議題與面臨的挑戰等。隨後了解我國金融業的數位進程與監管單位對純網路銀行政策相關方向，最後再次使用比較分析法，探討我國與個案國家的背景環境、監管制度、國內金融發展等，分析出我國發展純網路銀行可能面臨之挑戰，並提出具體建議供參考。

These years, Fintech has been the most popular words. Big data analysis, robo-advisor, internet finance, chatterbot are going to be a trend in the world. Consumer habits are changing gradually. It has been normal that people solve everything in their daily life by smartphone. In this situation, financial industry changed their attention from physical bank locations to bank services, also the regulation relax, internet-only banks rise again.
Due to the development of trend, the Financial Supervisory Commission R.O.C. (Taiwan) announced formally to allow setting up the internet-only banks in April 2018. And explain the regulation in principle. The Financial Supervisory Commission R.O.C. (Taiwan) want to stimulate innovation of the financial industry in Taiwan to provide the financial services which are more convenient and perfect through the different style of banks.
This study has the follow steps. First is to explain the definition of the word “Internet-only bank”. Through the comparative analysis method, to compare the different between internet-only bank and traditional bank, online banking, digital banking, force the position of internet-only bank. Second, introduce the history of non-physical bank services, know the environment and challenge of internet-only banks 20 years ago. Then focus on the Korean and China which are the countries that set up the internet-only banks these years. To understand the reason that internet-only bank was set up and the history, regulation, challenge. And also in Taiwan. Finally, analyze the possible challenge that Taiwan could have. And make a suggestion as a reference.

論文審定書......................................................................... i
摘要..................................................................................... ii
Abstract.............................................................................. iii
目 錄.................................................................................... iv
圖目次................................................................................. v
表目次................................................................................. v
第一章　緒論..................................................................... 1
　第一節　研究背景.......................................................... 1
　第二節　研究目的.......................................................... 3
　第三節　研究內容架構.................................................. 4
　第四節　研究方法.......................................................... 6
第二章　產業背景與文獻探討........................................... 7
　第一節　純網路銀行定義說明....................................... 7
　第二節　全球銀行非實體服務之發展介紹.................... 12
第三章　韓國、中國純網路銀行之發展現況與法規議題.. 16
　第一節　韓國純網路銀行之發展現況與法規議題......... 16
　第二節　中國純網路銀行之發展現況與法規議題......... 27
　第三節　小結................................................................. 35
第四章　台灣純網路銀行之發展現況與法規議題............ 36
　第一節　台灣金融機構之數位進程............................... 36
　第二節　台灣純網路銀行現況與挑戰........................... 38
　第三節　綜合比較分析.................................................. 42
第五章　結論與建議.......................................................... 45
　第一節　結論................................................................. 45
　第二節　建議................................................................. 46
參考文獻............................................................................. 47
附錄一................................................................................. 51

一、中文文獻
艾瑞諮詢（2017）。2017年中國直銷銀行發展研究報告。
易觀智庫（2016）。中國直銷銀行市場專題研究報告2016。http://www.imxdata.com/archives/6418
金融機構辦理電子銀行業務安全控管作業基準
金管會（2018）。開放設立純網路銀行之政策說明，新聞稿。https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news_view.jsp&dataserno=201804260002&aplistdn=ou=news,ou=multisite,ou=chinese,ou=ap_root,o=fsc,c=tw&dtable=News
金管會新聞稿（2018）。開放設立純網路銀行之政策說明。https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news_view.jsp&dataserno=201804260002&aplistdn=ou=news,ou=multisite,ou=chinese,ou=ap_root,o=fsc,c=tw&dtable=News
金管會新聞稿（2016）。銀行業普惠金融(Financial Inclusion)辦理情形。https://www.fsc.gov.tw/ch/home.jsp?id=2&parentpath=0&mcustomize=news_view.jsp&dataserno=201610200002&aplistdn=ou=news,ou=multisite,ou=chinese,ou=ap_root,o=fsc,c=tw&dtable=News
金管會新聞稿（2015）。打造數位化金融環境3.0全面啟動。https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news_view.jsp&dataserno=201501130003&toolsflag=Y&dtable=News
范姜群暐（2011）。我國網路金流業務發展概況，財金資訊季刊 No.68。https://www.fisc.com.tw/Upload/b4432f75-500b-4749-913b-e9519e593725/TC/02. 范姜群暐.pdf
銀行受理客戶以網路方式開立數位存款帳戶作業範本
盧韻雅、何翠婷（2015）。《Bank 3.0》及《Digital Bank》帶動金融創新，財金資訊第83期，頁17-21。https://www.fisc.com.tw/Upload/c8992963-eb29-4d6a-b760-59e0425372c6/TC/8302.pdf
盧志敏（2001）。網路銀行的發展與影響，中央銀行季刊，第二十三卷第一期。https://www.cbc.gov.tw/public/Attachment/832415271771.pdf

二、外文文獻
Ali F, Farhoomand, &Vincent Mak. (2002). Japan Net Bank : Japan’s First Internet-Only Bank – A Teaching Case. 15th Bled Electronic Commerce Conference.
Banking Act (Republic of Korea) §16-2（2002）
Banking Act (Republic of Korea) §2.9（2002）
Banking Act (Republic of Korea) §27, 27-2, 28（2002）
Commercial Act (Republic of Korea) §434（2001）
Cronin, Mary J. (1997). Banking and Finance on the Internet, John Wiley and Sons. John Wiley and Sons. ISBN 0-471-29219-2 page 41,42 from Banking and Finance on the Internet. Retrieved 2008-07-10.
Delgado, J., I. Hernando＆M. Nieto,（2007） Do European Primarily Internet Banks Show Scale and Experience Efficiencies? European Financial Management
Financial Services Commission. (2015, June). Plan To Introduce Internet-Only Banks In Korea. Press Release Retrieved from http://m.fsc.go.kr/eng/01Sub/engPressRelease.do?FLAG=VIEW&CPAGE=1&NUM=31073
Financial Services Commission. (2013, Nov.). Plan to Strengthen Competitiveness of Korea's Financial Industry. Press Release Retrieved from http://www.korea.net/Government/Briefing-Room/Press-Releases/view?articleId=2636
Financial Services Commission. (2015, June). Regulation on Financial Institutions’ Outsourcing of Data Processing Business & IT Facilities. Press Release.
Lee, Sungbok.（2015, July）Main Issues Regarding Korea's Internet-Only Banks. Capital Market Opinion. Retrieved from Korea Capital Market Institute’s official position.
Sullivan, R. J., Z. Wang, （2013）Federal Reserve Bank of Richmond Internet Banking: An Exploration in Technology Diffusion and Impact, FRB Richmond Working Paper No. 13-10.
Financial Services Commission. (2015, May). 계좌 개설시 실명확인 방식 합리화방안(中譯：確認非面對面開戶的合理化計劃). Press Release.
Kim，Hye-ran（2015,June）,인터넷 전문은행, 쟁점과 전망（中譯：網上銀行，問題與展望），KiRi Weekly（保險研究院）
Seo Byoung Ho（2016），한국형 인터넷전문은행 도입방안（中譯：韓國互聯網銀行介紹），韓國純網路銀行介紹研討會演示文稿。
임성호（2016, Dec.）인터넷전문은행도입 현황과 개선과제（譯：純網路銀行的現狀與改善建議）. 국회입법조사처Retrieved from http://www.nars.go.kr