| IVOD_ID |
149948 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/149948 |
| 日期 |
2024-03-18 |
| 會議資料.會議代碼 |
委員會-11-1-20-4 |
| 會議資料.會議代碼:str |
第11屆第1會期財政委員會第4次全體委員會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
1 |
| 會議資料.會次 |
4 |
| 會議資料.種類 |
委員會 |
| 會議資料.委員會代碼[0] |
20 |
| 會議資料.委員會代碼:str[0] |
財政委員會 |
| 會議資料.標題 |
第11屆第1會期財政委員會第4次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2024-03-18T09:58:15+08:00 |
| 結束時間 |
2024-03-18T10:12:09+08:00 |
| 影片長度 |
00:13:54 |
| 支援功能[0] |
ai-transcript |
| 支援功能[1] |
gazette |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/14550b3f67fe733a2e2228bab706676b1b0cd19bcd66f1b3f8ba9b0039caa7a6e36a7e1fe41ef3ff5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
賴士葆 |
| 委員發言時間 |
09:58:15 - 10:12:09 |
| 會議時間 |
2024-03-18T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第1會期財政委員會第4次全體委員會議（事由：邀請金融監督管理委員會黃主任委員天牧率臺灣證券交易所股份有限公司林董事長修銘及財團法人中華民國證券櫃檯買賣中心陳董事長永誠、中央銀行分別就「從ETF熱賣看政府如何健全投資管道引導民間游資，避免熱錢過度投入房市」進行專題報告，並備質詢。
【3月18日及20日二天一次會】） |
| gazette.lineno |
325 |
| gazette.blocks[0][0] |
賴委員士葆：（9時58分）謝謝主席以及各位先進。有請金管會黃主委。 |
| gazette.blocks[1][0] |
主席：有請黃主委。 |
| gazette.blocks[2][0] |
黃主任委員天牧：委員好。 |
| gazette.blocks[3][0] |
賴委員士葆：主委早。今天討論ETF，我等一下講我的感想。我們先看一下國發會在2月底有一份報告指出，臺灣的經濟自由度是全球排名第4名，相當自由，臺灣的經濟很活潑的，可是財務自由度只有第40名、投資自由度是第39名，這代表我們的財務、我們的投資不自由。我們的經濟很自由，我們的投資很不自由，你看，在全世界的排名是第40名啊！大家都知道臺灣的經貿實力，雖然臺灣小，但是很粗略地講，我們臺灣的經貿實力在全世界排名大概是第15、16、17左右，是相當前面的，結果自由度掉到40，這個講起來很丟臉啊！這裡面跟我們金管會有太多的禁止、管這個、管那個有關係喔！你要不要對這個做一個回應？ |
| gazette.blocks[4][0] |
黃主任委員天牧：委員，如果您是說圖中間那邊講我們禁止，目前不允許複委託買比特幣現貨…… |
| gazette.blocks[5][0] |
賴委員士葆：不是，我還沒講到那個，我現在跟你講的是自由度，你要不要回應一下？就是人家說我們這裡投資自由度39、財務自由度40。 |
| gazette.blocks[6][0] |
黃主任委員天牧：這個不見得講金管會啊！ |
| gazette.blocks[7][0] |
賴委員士葆：你當然有關啊！因為這代表我們的投資不自由啊！ |
| gazette.blocks[8][0] |
黃主任委員天牧：不會啊！我剛才跟你報告，我們今天報告提到，現在的複委託，國人要透過券商複委託或是直接投資都…… |
| gazette.blocks[9][0] |
賴委員士葆：好，你既然講複委託，我就跟你講一個…… |
| gazette.blocks[10][0] |
黃主任委員天牧：央行也沒有不同意。 |
| gazette.blocks[11][0] |
賴委員士葆：好，1月20號你更新了喔！禁止透過複委託買成分有比特幣的ETF，請問你的理由是什麼？ |
| gazette.blocks[12][0] |
黃主任委員天牧：好，我跟您報告，第一個，美國證管會把比特幣當作有價證券，但是依臺灣的證交法，比特幣是不是有價證券？其實是不確定的。另外跟您報告，我為什麼剛才離開備詢臺？這份是1月10號美國證管會同意比特幣現貨交易的一個新聞稿，最後一段話是美國證管會主席Gary Gensler說，他同意它上市，那是因為法院駁回他不准它上市，並不表示他endorse或是他prove比特幣的性質。這是美國證管會的說明…… |
| gazette.blocks[13][0] |
賴委員士葆：好，我不跟你討論比特幣，你這次…… |
| gazette.blocks[14][0] |
黃主任委員天牧：我再跟你報告，南韓、新加坡、泰國都不准許投資人買比特幣…… |
| gazette.blocks[15][0] |
賴委員士葆：好，我不跟你討論比特幣的事情。 |
| gazette.blocks[16][0] |
黃主任委員天牧：這邊還有講，美國的Vanguard也不許交易。 |
| gazette.blocks[17][0] |
賴委員士葆：你不要那麼激動，來，我跟你講一個…… |
| gazette.blocks[18][0] |
黃主任委員天牧：我沒有激動，我只是跟您報告事實。 |
| gazette.blocks[19][0] |
賴委員士葆：你有很重要的理由，你今天一直沒有講這個東西，因為它沒有實體。 |
| gazette.blocks[20][0] |
黃主任委員天牧：它沒有內含價值。 |
| gazette.blocks[21][0] |
賴委員士葆：對，那我就問你，現在美國已經有未上市的、公開發行的，OpenAI已經快要上市了，請問OpenAI可不可以、你以後會不會禁止？OpenAI也沒有實體的、沒有具體內容的喔！OpenAI你要不要禁止？ |
| gazette.blocks[22][0] |
黃主任委員天牧：這兩個是類比，不太一樣吧！ |
| gazette.blocks[23][0] |
賴委員士葆：幾乎是一樣，因為你當初只是……你今天講得扯到旁邊去了，你用其他的文來endorse你的作法，但是你沒有講出來你當時候禁止的一個理由，是它沒有實體的東西、沒有內在的，這個很重要，我…… |
| gazette.blocks[24][0] |
黃主任委員天牧：委員，我跟您報告，1月初美國上市現貨ETF，證期局是請券商公會先不要接受這種買單、複委託，而是研擬配套措施，看可不可以有適當的措施，等到4月底以後再做決定。 |
| gazette.blocks[25][0] |
賴委員士葆：什麼時候決定？ |
| gazette.blocks[26][0] |
黃主任委員天牧：4月底以後。 |
| gazette.blocks[27][0] |
賴委員士葆：就決定…… |
| gazette.blocks[28][0] |
黃主任委員天牧：配套措施。 |
| gazette.blocks[29][0] |
賴委員士葆：ETF要不要包括比特幣，是不是？ |
| gazette.blocks[30][0] |
黃主任委員天牧：不是，是複委託要不要涵蓋美國現貨ETF的商品。 |
| gazette.blocks[31][0] |
賴委員士葆：那就是包括比特幣了。 |
| gazette.blocks[32][0] |
黃主任委員天牧：就是，對，沒錯。 |
| gazette.blocks[33][0] |
賴委員士葆：4月底，好。我們現在回到今天講的ETF，沒有，我覺得你要去查一下啦！國發會這樣的一個報告，你的認知居然跟我的認知完全不一樣，如果今天我是你，我一定會去檢討，金管會做了哪些事情，為什麼投資自由度這麼低？在全球排39名、財務自由度排40名。 |
| gazette.blocks[33][1] |
我們看到ETF，請問臺灣最早什麼時候發行ETF？最早，第一檔的ETF。 |
| gazette.blocks[34][0] |
黃主任委員天牧：ETF，臺灣是92年。 |
| gazette.blocks[35][0] |
賴委員士葆：2003年？ |
| gazette.blocks[36][0] |
黃主任委員天牧：對。 |
| gazette.blocks[37][0] |
賴委員士葆：美國最早什麼時候？ |
| gazette.blocks[38][0] |
黃主任委員天牧：82年吧！ |
| gazette.blocks[39][0] |
賴委員士葆：1992年，所以跟美國足足差了10年。 |
| gazette.blocks[40][0] |
黃主任委員天牧：對。 |
| gazette.blocks[41][0] |
賴委員士葆：我聽到的ETF，我們歷任的金管會主委都不斷地鼓勵大家多買ETF，因為風險分散、因為有專業的人幫你看啊！曾幾何時，ETF怎麼變成今天要排這個專案報告，我感覺ETF有點像過街老鼠一樣啊！曾幾何時，怎麼變成大家怕ETF怕成這樣子。主委，到底你是在管ETF，還是你就是管它的促銷手段？比如說網紅接廣告，到底是什麼？ |
| gazette.blocks[42][0] |
黃主任委員天牧：報告委員，其實您提的這個問題，我很感謝您問這個問題，這就是重點，我們從頭到尾、過去這個禮拜都沒有說要限制ETF，沒有，這是一個商品，適合國民去投資，如果它適合…… |
| gazette.blocks[43][0] |
賴委員士葆：鼓勵或不鼓勵？你告訴我。 |
| gazette.blocks[44][0] |
黃主任委員天牧：沒有什麼鼓勵或不鼓勵，我們…… |
| gazette.blocks[45][0] |
賴委員士葆：你發行就是鼓勵啊！我們在這裡我請教過你啊！我說應該來一個加薪50或者加薪100，鼓勵這些上市公司加薪的就給它放進來，大家來買這個股票。 |
| gazette.blocks[46][0] |
黃主任委員天牧：我們有類似的指數啦！ |
| gazette.blocks[47][0] |
賴委員士葆：對不對？ |
| gazette.blocks[48][0] |
黃主任委員天牧：有類似的指數。 |
| gazette.blocks[49][0] |
賴委員士葆：它有ESG，你沒有加薪100啊！有嗎？ |
| gazette.blocks[50][0] |
黃主任委員天牧：有，那種薪酬的好像高薪100有，高薪100的…… |
| gazette.blocks[51][0] |
賴委員士葆：不是高薪100，是加薪100，你講的是絕對值，我講的是…… |
| gazette.blocks[52][0] |
黃主任委員天牧：加薪其實很難去……那是一個…… |
| gazette.blocks[53][0] |
賴委員士葆：每年都加薪啊！你就跟他說我的加薪幅度是最高的，這不是高薪啊！高薪是另外一件事。好，我得到的訊息是，其實ETF本身沒有問題，它本身是幫老百姓、投資股民風險分散，幫他挑一些好的股、有特性的股，可是現在問題來了，因為這些網紅亂吹牛一通，還說一定有八點多%啦！然後每個月還要配息等等，所以為了配息，可能如果同時的話，有些的ETF沒有講好，但是有默契，大家都lock住那個股票，第一個，它助漲啊！或者以後助跌啊！就變成這個樣子啊！會不會？ |
| gazette.blocks[54][0] |
黃主任委員天牧：委員，您是專家，你講的是對的啊！就是它沒有充分揭露這個商品的風險，也在很多商品的條件上有誤導的情況，比方說把配息跟存款的利率做相比較，或者將過去的績效拿來預測未來也會如此，這是要提醒有這種…… |
| gazette.blocks[55][0] |
賴委員士葆：我問你最實際的，有網紅說可以把房子拿去抵押來買ETF，這樣的講法你認不認同？ |
| gazette.blocks[56][0] |
黃主任委員天牧：那是風險很高的，為什麼？因為ETF的成分股，漲跌也不是發行的投信能決定的啊！還是要看市場的機制，所以過去漲不表示未來一定會漲。 |
| gazette.blocks[57][0] |
賴委員士葆：我的時間快到了，我還有一個重點要問，副總裁一起來好不好？ |
| gazette.blocks[58][0] |
主席：有請副總裁。 |
| gazette.blocks[59][0] |
賴委員士葆：公平會在去年2月已經對網紅的廣告不實要罰5萬到2,500萬，因為網紅不是賣家，他是代言人，要負責任的。結果金管會現在，你可以看喔！對投信管得很嚴格，可是對網紅你們好像沒有任何皮條，會不會？對於網紅這一部分，來，主委。 |
| gazette.blocks[60][0] |
黃主任委員天牧：報告委員…… |
| gazette.blocks[61][0] |
賴委員士葆：網紅推薦買ETF，到處都是，你們有沒有處置辦法？ |
| gazette.blocks[62][0] |
黃主任委員天牧：報告委員，如果我說錯了，你可以指導我，好像是3月8號才規範的，不是去年2月。 |
| gazette.blocks[63][0] |
賴委員士葆：沒有，去年2月就規範了。 |
| gazette.blocks[64][0] |
黃主任委員天牧：好，沒關係，我們有再…… |
| gazette.blocks[65][0] |
賴委員士葆：沒關係，去年有，也許這個是再修正。 |
| gazette.blocks[66][0] |
黃主任委員天牧：我們111年就有規範要加註警語，實踐上面可能有些公司並沒有真正照公會的廣告規範…… |
| gazette.blocks[67][0] |
賴委員士葆：你們要不要去取締這些話講得誇大的網紅？有沒有這個工具？ |
| gazette.blocks[68][0] |
黃主任委員天牧：我們正在思考，公平會雖然有祭出這個高額罰款的罰則，但還是要有一個機制看要怎麼去檢舉，也要有事證，這部分我們想跟公會再去做一個溝通，現在我們報告中有寫到，6月底之前我們會把這個規範弄好。 |
| gazette.blocks[69][0] |
賴委員士葆：好，我請教央行的副總裁，日本結束負利率，外面的估算……因為日本央行明天開會，澳洲是明天（3月19日）開會，然後我們臺灣是21號開會，俄羅斯22號開會。現在全世界面對幾乎所有金融商品都在漲的情況之下，請問你，以現在來講，央行未來的利率走向是怎麼樣？ |
| gazette.blocks[70][0] |
嚴副總裁宗大：報告委員，因為傳統上我們每一次開會之前，都會針對當前的國內外經濟金融情勢以及未來的發展做評估，所以其實您提到的這些，不管是日本或者其他央行的貨幣政策是我們隨時在關注的。 |
| gazette.blocks[71][0] |
賴委員士葆：其他國家的央行現在利率是偏向漲還是跌？還是…… |
| gazette.blocks[72][0] |
嚴副總裁宗大：報告委員，因為各國的國情不一樣，所以我們很難用其他國家的例子來隱含說明我們…… |
| gazette.blocks[73][0] |
賴委員士葆：臺灣現在錢有太多嗎？ |
| gazette.blocks[74][0] |
嚴副總裁宗大：根據我們剛才的報告，銀行的那個資金，其實我們在整個NCD的操作或者是銀行的超額準備那邊，在銀行端我們看不到這樣的現象，而且我們內部也有一些指標在注意國內金融市場的變動情形。 |
| gazette.blocks[75][0] |
賴委員士葆：我們閒置的貨幣有三點多兆，不會太多？ |
| gazette.blocks[76][0] |
嚴副總裁宗大：我不曉得那個三點多兆您的意思是？ |
| gazette.blocks[77][0] |
賴委員士葆：以前是兩點多兆，現在變三點多兆了，超額儲蓄啦！會不會太多？ |
| gazette.blocks[78][0] |
嚴副總裁宗大：我還是不太瞭解委員那個數字講的是哪一個數據？ |
| gazette.blocks[79][0] |
賴委員士葆：沒有這個事嗎？那你告訴我現在超額儲蓄有多少，臺灣現在的超額儲蓄有多少錢？ |
| gazette.blocks[80][0] |
嚴副總裁宗大：我們這邊有一個圖，應該…… |
| gazette.blocks[81][0] |
賴委員士葆：有多少？你講，因為我時間到了，你趕快講。 |
| gazette.blocks[82][0] |
嚴副總裁宗大：三點…… |
| gazette.blocks[83][0] |
賴委員士葆：3.8？ |
| gazette.blocks[84][0] |
嚴副總裁宗大：我們這邊是3.3。 |
| gazette.blocks[85][0] |
賴委員士葆：我跟你說是三點多，你又說不是，奇怪！我剛才一直講，你又說不是，結果現在說三點多，你也是…… |
| gazette.blocks[86][0] |
嚴副總裁宗大：報告委員，因為那個…… |
| gazette.blocks[87][0] |
賴委員士葆：好，你不要再講了，我時間到了。再來，熱錢有多少？ |
| gazette.blocks[88][0] |
嚴副總裁宗大：熱錢，我們並沒有…… |
| gazette.blocks[89][0] |
賴委員士葆：統計？ |
| gazette.blocks[90][0] |
嚴副總裁宗大：我們並沒有定義所謂的熱錢，熱錢是金融機構之間的資金流動和調動。 |
| gazette.blocks[91][0] |
賴委員士葆：黃主委，熱錢有多少？外資進來的。 |
| gazette.blocks[92][0] |
黃主任委員天牧：流量的部分可能只有央行知道。 |
| gazette.blocks[93][0] |
賴委員士葆：央行知道啊，怎麼不知道！來，副總裁跟我講一下，我就跟主席換。 |
| gazette.blocks[94][0] |
嚴副總裁宗大：熱錢，我們過去…… |
| gazette.blocks[95][0] |
賴委員士葆：就是你出去多少、進來多少，然後這些短時間流入在這裡，股票買一買就出去，這個叫熱錢，你不知道？ |
| gazette.blocks[96][0] |
嚴副總裁宗大：我們所謂的熱錢是外資賣完股票，有一段時間停留在臺灣的數字。 |
| gazette.blocks[97][0] |
賴委員士葆：對，那個是多少？How much？ |
| gazette.blocks[98][0] |
嚴副總裁宗大：我印象中大概都是一千多億而已。 |
| gazette.blocks[99][0] |
賴委員士葆：美金還是臺幣？ |
| gazette.blocks[100][0] |
嚴副總裁宗大：臺幣。 |
| gazette.blocks[101][0] |
賴委員士葆：臺幣一千多億，到現在為止嘛，這個其實…… |
| gazette.blocks[102][0] |
嚴副總裁宗大：我再補充一下，你講的那個3.3億的超額儲蓄其實是在銀行…… |
| gazette.blocks[103][0] |
賴委員士葆：3.3兆。 |
| gazette.blocks[104][0] |
嚴副總裁宗大：3.3兆，那個其實在銀行體系、金融體系裡面，散布在各個金融機構資金的運用情形。 |
| gazette.blocks[105][0] |
主席：好，謝謝賴士葆委員的質詢。 |
| gazette.blocks[106][0] |
黃主任委員天牧：謝謝委員。 |
| gazette.blocks[107][0] |
主席（賴士葆委員代）：現在我們請郭國文委員質詢。 |
| gazette.agenda.page_end |
214 |
| gazette.agenda.meet_id |
委員會-11-1-20-4 |
| gazette.agenda.speakers[0] |
郭國文 |
| gazette.agenda.speakers[1] |
林德福 |
| gazette.agenda.speakers[2] |
吳秉叡 |
| gazette.agenda.speakers[3] |
李彥秀 |
| gazette.agenda.speakers[4] |
賴士葆 |
| gazette.agenda.speakers[5] |
賴惠員 |
| gazette.agenda.speakers[6] |
羅明才 |
| gazette.agenda.speakers[7] |
黃珊珊 |
| gazette.agenda.speakers[8] |
顏寬恒 |
| gazette.agenda.speakers[9] |
伍麗華Saidhai‧Tahovecahe |
| gazette.agenda.speakers[10] |
王鴻薇 |
| gazette.agenda.speakers[11] |
陳玉珍 |
| gazette.agenda.speakers[12] |
李坤城 |
| gazette.agenda.speakers[13] |
洪孟楷 |
| gazette.agenda.speakers[14] |
王世堅 |
| gazette.agenda.speakers[15] |
林楚茵 |
| gazette.agenda.speakers[16] |
牛煦庭 |
| gazette.agenda.speakers[17] |
徐巧芯 |
| gazette.agenda.page_start |
147 |
| gazette.agenda.meetingDate[0] |
2024-03-18 |
| gazette.agenda.gazette_id |
1131601 |
| gazette.agenda.agenda_lcidc_ids[0] |
1131601_00004 |
| gazette.agenda.meet_name |
立法院第11屆第1會期財政委員會第4次全體委員會議紀錄 |
| gazette.agenda.content |
邀請金融監督管理委員會黃主任委員天牧率臺灣證券交易所股份有限公司林董事長修銘及財團法
人中華民國證券櫃檯買賣中心陳董事長永誠、中央銀行分別就「從 ETF 熱賣看政府如何健全投資
管道引導民間游資，避免熱錢過度投入房市」進行專題報告，並備質詢 |
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謝謝主席以及各位先進有請金管委的黃主委有請黃主委是委員好主委早那麼這個今天討論ETF其實我再講我的感想我先看一下在國發會二月底 |
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56.464 |
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有一份的一個報告講出來臺灣的經濟自由度全球排名第4名相當自由這個很活潑的臺灣的經濟可是財務自由度只有40第40名投資自由度39名 |
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就代表我們的財務我們的投資不自由我們經濟很自由我們的投資很不自由在全世界你看排名第40名啊大家都知道臺灣的經貿實力雖然臺灣很小但是很粗略的講我們臺灣的經貿實力在全世界排名大概第15、16、17左右是相當前面的結果自由度掉到40啊 |
| transcript.whisperx[3].start |
89.965 |
| transcript.whisperx[3].end |
101.514 |
| transcript.whisperx[3].text |
這個講起來很丟臉喔這裡面跟我們軍管會有太多的禁止這個管這個管那個有關係喔你要不要對這個做個回應呢 |
| transcript.whisperx[4].start |
103.459 |
| transcript.whisperx[4].end |
122.305 |
| transcript.whisperx[4].text |
委員如果您是說中間那邊講我們禁止目前不允許副委託買比特幣現貨我先跟你講這個還沒講到這個我先跟你講自由度你要不要回應一下人家說我們這裡投資自由度稍微高財務自由度細佔這個不見得講金管會 |
| transcript.whisperx[5].start |
126.633 |
| transcript.whisperx[5].end |
128.635 |
| transcript.whisperx[5].text |
好 我跟您報告第一個 |
| transcript.whisperx[6].start |
157.233 |
| transcript.whisperx[6].end |
176.873 |
| transcript.whisperx[6].text |
美國證管會把比特幣當作有價證券但是臺灣的證交法比特幣是不是有價證券其實是不確定的那另外跟您報告我為什麼剛剛離開備質詢臺這份是美國1月10號美國證管會他同意比特幣現貨交易的一個新聞稿 |
| transcript.whisperx[7].start |
177.952 |
| transcript.whisperx[7].end |
193.407 |
| transcript.whisperx[7].text |
最後一段話美國的政委會主席Gary Gensler說我同意他上市那是因為法院駁回他不准他上市並不表示我indose或是我prove比特幣的性質這是美國政委會的說明我再跟你報告 |
| transcript.whisperx[8].start |
194.828 |
| transcript.whisperx[8].end |
203.373 |
| transcript.whisperx[8].text |
南韓、新加坡、泰國都不允許投資人買比特幣不允許交易不要那麼激動來 我跟你講一個你的很重要的理由當初你今天一直沒有講這個東西因為它沒有實體 |
| transcript.whisperx[9].start |
210.626 |
| transcript.whisperx[9].end |
224.508 |
| transcript.whisperx[9].text |
他沒有含價值對對好那我就問你現在美國已經有被上市的公開發行的OpenAI已經快要上市了請問OpenAI你可不可以以後會不會禁止 |
| transcript.whisperx[10].start |
225.828 |
| transcript.whisperx[10].end |
247.896 |
| transcript.whisperx[10].text |
オープンエア沒有實體的喔沒有具體內容的喔オープンエア你要不要禁止這兩個是類比不太一樣吧幾乎是一樣因為你當初你只是你今天一個報獎扯到旁邊去了喔你用你其他的文來引導是你做法但是你沒有講出來你當時候禁止的一個理由是它沒有實體的東西沒有內在的 |
| transcript.whisperx[11].start |
248.696 |
| transcript.whisperx[11].end |
277.873 |
| transcript.whisperx[11].text |
這個很重要委員我跟您報告我們1月初美國上市現貨ETF政企局是請券商公會先不要接受這種買單付委託而是嚴厲配套措施看可不可以有適當的措施等到4月底以後再做決定什麼時候決定4月底以後就決定配套措施ETF要不要包括比特幣是不是不是付委託要不要涵蓋美國的現貨ETF的商品 |
| transcript.whisperx[12].start |
278.7 |
| transcript.whisperx[12].end |
281.203 |
| transcript.whisperx[12].text |
國發會這樣的一個報告你的認知居然跟我認知完全不一樣 |
| transcript.whisperx[13].start |
295.694 |
| transcript.whisperx[13].end |
316.967 |
| transcript.whisperx[13].text |
如果今天我是你啊我一定要去檢討為什麼我進口做了哪些事情為什麼投資自由度這麼低在全球排39名財務自由度排40名我們看到ETF我記得我請問ETF最早什麼時候發行臺灣最早第一檔的ETFETF92年臺灣92年 |
| transcript.whisperx[14].start |
325.061 |
| transcript.whisperx[14].end |
346.755 |
| transcript.whisperx[14].text |
2003年美國最早什麼時候82年吧1992所以跟美國足足差了10年對ETF我聽到的ETF是我們歷任的金管會主委都不斷的鼓勵大家都買ETF因為風險分散啊因為有專業人幫你看啊 |
| transcript.whisperx[15].start |
348.496 |
| transcript.whisperx[15].end |
359.193 |
| transcript.whisperx[15].text |
曾幾何時什麼變ETF變成今天拍這個專案報告都感覺ETF有點像過街老鼠一樣啊怎麼曾幾何時變成大家怕ETF怕到這個樣子 |
| transcript.whisperx[16].start |
361.035 |
| transcript.whisperx[16].end |
383.033 |
| transcript.whisperx[16].text |
那個那個主委啊到底是管ETF還是你就是管他的促銷手段比如說網紅接廣告到底是什麼今天您這個問題我很感謝您問這個問題這就是重點我們從頭到尾過去這個禮拜都沒有說要限制ETF沒有這是一個商品適合國民去投資鼓勵不鼓勵你告訴我 |
| transcript.whisperx[17].start |
385.535 |
| transcript.whisperx[17].end |
400.919 |
| transcript.whisperx[17].text |
沒有什麼鼓勵鼓勵你發行就鼓勵啊我們也有來一個我們在這裡我請教過你啊我說應該來一個加薪50或者加薪100鼓勵這些上市公司加薪的我就給你放進來我們有類似的指數有類似的指數你沒有加薪100啊有嗎 |
| transcript.whisperx[18].start |
406.806 |
| transcript.whisperx[18].end |
409.667 |
| transcript.whisperx[18].text |
我得到的訊息是其實ETF它本身沒有問題 |
| transcript.whisperx[19].start |
431.658 |
| transcript.whisperx[19].end |
455.67 |
| transcript.whisperx[19].text |
本事是幫老百姓當投資股民風險分散幫你挑一些好的股物有特性的股可是現在問題來了因為這些網紅啊亂吹牛一通哦 還一定有8點多趴啦然後呢每個月還配息等等的所以為了配息可能如果同時的話ETF 有些的ETF沒有 |
| transcript.whisperx[20].start |
456.67 |
| transcript.whisperx[20].end |
463.887 |
| transcript.whisperx[20].text |
沒有講好但是有默契大家都lock住那個股票第一個他駐倉啊或者又駐地啊變成這個樣子啊會不會 |
| transcript.whisperx[21].start |
466.047 |
| transcript.whisperx[21].end |
493.468 |
| transcript.whisperx[21].text |
委員您是專家你講的是對的就是他沒有充分揭露這個商品的風險也在很多商品的條件上有誤導的情況比方說把配息跟存款的利率銹相比較或者說過去的跡象拿來預測未來也會如此這是要提醒我我我你最實際的有網絡說你可以把你的房子拿去抵押來來買ETF這樣的講法你認不認同 |
| transcript.whisperx[22].start |
495.489 |
| transcript.whisperx[22].end |
516.581 |
| transcript.whisperx[22].text |
那是很風險很高的為什麼因為ETF的成分股漲跌也不是發行的投信能決定的還是要看市場的機制所以過去漲不表示未來一定會漲我的時間快到了趕快把重點那個副總裁一起來好不好這個時間暫停一下來有請副總裁 |
| transcript.whisperx[23].start |
518.817 |
| transcript.whisperx[23].end |
545.008 |
| transcript.whisperx[23].text |
公平會在去年2月已經對網紅的廣告不時要罰5萬到2500萬因為網紅不是賣家他是代言人要負責任的結果金管會現在你可以看到對投信的管理很嚴格可是對網紅你們好像沒有皮條啊會不會對網紅這一部分來來來主委網紅推薦買ETF到處都是你們有沒有處置辦法 |
| transcript.whisperx[24].start |
549.793 |
| transcript.whisperx[24].end |
559.519 |
| transcript.whisperx[24].text |
拜委員我可不可以 如果我說錯了你可以指導我好像是3月8號才規範的 不是去年2月吧沒有 去年2月就規範的好 沒關係 沒關係 |
| transcript.whisperx[25].start |
565.168 |
| transcript.whisperx[25].end |
588.895 |
| transcript.whisperx[25].text |
我們111年就有規範要加注警語那這樣實踐上面可能有些公司並沒有真正照那個廣告公會的廣告你們要不要去取締一些講這些話講得誇大的網紅有沒有這工具我們正在思考那公平會雖然有一個寄出這個高額罰款的這個但是還是要有一個機制怎麼去檢舉那要有事證 |
| transcript.whisperx[26].start |
589.955 |
| transcript.whisperx[26].end |
612.104 |
| transcript.whisperx[26].text |
那這部分我們想跟公會再去做一個溝通現在我們報告中有寫到6月底之前我們會把這個規範弄好我請教央行的副總裁日本結束負利率外面的估算因為日本央行明天開會澳洲後天開會 |
| transcript.whisperx[27].start |
614.847 |
| transcript.whisperx[27].end |
633.549 |
| transcript.whisperx[27].text |
澳洲是明天3月19然後臺灣我們是21號開會俄羅斯21號開會全世界現在面對到幾乎所有金融商品都在漲的情況之下請問你啊現在現在來講央行未來的利率走向是怎麼樣 |
| transcript.whisperx[28].start |
637.738 |
| transcript.whisperx[28].end |
654.099 |
| transcript.whisperx[28].text |
報告委員因為傳統上我們每一次開會之前我們都會針對當前的國內外經濟金融情勢以及未來的發展做評估所以其實您提到這些不管是它的日本或者其他央行的貨幣政策是我們隨時在關注的 |
| transcript.whisperx[29].start |
655.287 |
| transcript.whisperx[29].end |
671.168 |
| transcript.whisperx[29].text |
其他國家的央行現在就是利率他們是偏要漲還是要跌還是那個那個報告委員因為各國的國情不一樣所以我們很難用其他國家例子來銀行台灣現在錢有太多嗎錢有太多嗎 |
| transcript.whisperx[30].start |
673.305 |
| transcript.whisperx[30].end |
696.528 |
| transcript.whisperx[30].text |
根據我們剛才的報告銀行的那個資金其實我們在整個NCD的操作或者是銀行的那個超額準備那邊其實是在銀行端其實我們看不到這樣的現象而且我們其實內部也有一些指標在注意到國內金融市場的變動情形所以我們閒置的貨幣有3點多兆不會太多 |
| transcript.whisperx[31].start |
698.452 |
| transcript.whisperx[31].end |
705.935 |
| transcript.whisperx[31].text |
呃 我不曉得那個3點多兆您的意思是以前是2點多兆 現在變3點多兆了啊我看 超額儲蓄啦 超額儲蓄會不會太多呃 我還是不太了解委員那個數字是自講的是哪一個沒有這個事嗎那你告訴我現在超額儲蓄多少你臺灣的現在超額儲蓄有多少錢 |
| transcript.whisperx[32].start |
726.101 |
| transcript.whisperx[32].end |
749.684 |
| transcript.whisperx[32].text |
3.8% |
| transcript.whisperx[33].start |
750.202 |
| transcript.whisperx[33].end |
757.19 |
| transcript.whisperx[33].text |
我們這邊是3點3啦我跟你說3點多你又說不是啦 奇怪我剛才一直講你又說不是啦 現在說3點多你也是那個報告委員不要再講 我時間到了再來就是熱錢多少 熱錢熱錢 |
| transcript.whisperx[34].start |
768.196 |
| transcript.whisperx[34].end |
789.471 |
| transcript.whisperx[34].text |
熱錢我們我們並沒有我們並沒有定義所謂的熱錢熱錢是金融機構他之間的那個資金的流動和調動那個黃主委熱情的這個那個流量部分可能只有央行央行知道啊怎麼不知道你來副總裁跟我講一下我就跟主席換一下來 |
| transcript.whisperx[35].start |
791.763 |
| transcript.whisperx[35].end |
815.652 |
| transcript.whisperx[35].text |
熱錢我們過去就是你出去多少金買多少然後這些短時間留了在這裡股票買買就出去這個熱錢我們所謂的熱錢就是外資在還沒有賣完股票之間有一段時間停留在台灣的數字那個是多少那個我印象中大概都是一千多億而已你現在是台幣啊台幣台幣一千多億到現在為止 |
| transcript.whisperx[36].start |
817.663 |
| transcript.whisperx[36].end |
831.997 |
| transcript.whisperx[36].text |
我再補充一下您講的那個3.3億的超額出去其實是在銀行3.3兆那其實在銀行體系金融體系裡面散佈在各個金融機構的那個資金的運用情形好 謝謝賴思寶委員的質詢 |