| IVOD_ID |
159626 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/159626 |
| 日期 |
2025-03-26 |
| 會議資料.會議代碼 |
委員會-11-3-20-4 |
| 會議資料.會議代碼:str |
第11屆第3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 |
3 |
| 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3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 |
2025-03-26T11:16:30+08:00 |
| 結束時間 |
2025-03-26T11:27:44+08:00 |
| 影片長度 |
00:11:14 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/8cb7ec0b2cd1ea34124123a63d663a129336bc333af6bdb0320df3df7f6ba36d74ad0faf363c552f5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
黃珊珊 |
| 委員發言時間 |
11:16:30 - 11:27:44 |
| 會議時間 |
2025-03-26T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第3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彭主任委員金隆率所屬機關首長暨中央存款保險股份有限公司、監管相關機構有關之財團法人、臺灣證券交易所股份有限公司、臺灣期貨交易所股份有限公司、臺灣集中保管結算所股份有限公司等董事長、總經理列席業務報告，並備質詢。
【3月24日及26日二天一次會】） |
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| transcript.whisperx[0].start |
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虛擬資產業者這個虛擬幣的交易所在申請執照只剩下7天今天的新聞是說只有4家業者我們公告的23家裡面有4家業者提出申請總共申請了10家是嗎 |
| transcript.whisperx[1].start |
16.74 |
| transcript.whisperx[1].end |
38.781 |
| transcript.whisperx[1].text |
現在就是以前做洗房聲明的大概就是如同報紙上寫的就是有4家來申請登記制所以其他的都會來申請吧其他據我們所知我們探尋的結果其他他們會盡量在3月30號以前提出因為最後的緩衝期是3月31號我想從主委上任我們就非常關心這件事情既然要納管就應該要把遊戲規則公告得很清楚 |
| transcript.whisperx[2].start |
39.261 |
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64.729 |
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第二个我们希望所有在这里交易的业者都能够落地台湾能够纳入管理因为大部分台湾的民众还是像非常非常多的所谓的境外业者在做交易这些目前为止没有一家外国业者来你觉得原因是什么现在当然有外国业者有跟我们有在问申请了没他们有来做报告跟说明是所以 |
| transcript.whisperx[3].start |
65.816 |
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83.852 |
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主委我想你跟我的想法一樣我們都希望這些業者能夠盡快落地盡快納管盡快完成我們金管會未來要定的專法是嗎就是我們對這個的思考就是一定是以保護我們台灣的交易 |
| transcript.whisperx[4].start |
84.853 |
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109.12 |
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接下去剩下七天我想政協局還是應該更積極努力啦因為這些業者其實都在觀望還有在看看你的相關的成何程序那我所知道的是1月9號就有三家來申請請問到現在有核准了嗎現在我們是不是還沒嗎1月9號兩個月行政程序法兩個月你們都不處理嗎還是要等到全部的時間過了再來處理 |
| transcript.whisperx[5].start |
111.19 |
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121.686 |
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這部分因為我們可以緩衝到九月啦那這部分的話我們會按照行政程序法的審核時程該補件該回信會在那時時程之內跟他們說明遊戲規則清楚然後理由問題 |
| transcript.whisperx[6].start |
126.272 |
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141.5 |
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如果哪些問題一次告訴人家不要這樣退不見退不見然後永遠不會永遠不會成功啦我覺得重點是你到底要不要管你要管就認真的管人家願意來給你管我覺得也應該好好的來把他納管 |
| transcript.whisperx[7].start |
142.5 |
| transcript.whisperx[7].end |
161.272 |
| transcript.whisperx[7].text |
所以所有只要國人在使用的我們都希望他在台灣能夠來登記至少可以由政府來納管對民眾也比較有保障這是雙向的啦就是民眾也希望說我們能夠好好的來管理那不是他想我們就要給他這個部分一定是互相的他如果不合規當然不能給 |
| transcript.whisperx[8].start |
162.313 |
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190.724 |
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第二個就是接下去這個專法裡面我看到你們的草案都已經出來那我們也正在研擬相關的對岸重點是接下去的我上次有質詢了央行總裁其實在所有的相關的交易上面我們都非常重要的就是美國川普總統已經把虛擬貨幣當成國家的戰略儲備表示他有一定的市場價值跟他的所謂的政府認可許可的地位那 |
| transcript.whisperx[9].start |
191.684 |
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205.632 |
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如果我們的虛擬資產業者交易平台也納入管理將來它就如同我們現在很多很多的金管會所轄下的這些相關的我們監管的這些單位來說它也可能必須要有所謂的法幣的儲備以及虛幣的儲備 |
| transcript.whisperx[10].start |
208.554 |
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236.057 |
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但是法幣在銀行有存保公司可以互相保障但是虛幣現在還沒上路接下去虛幣它畢竟要讓所有的人對這個交易平台有所信心就像我們現在之前發生很多所謂的吸金啊很多的這些會員卡啊都必須要去信託錢然後甚至要有一些保障銀行旅遊保證那接下去我想問一下這些虛擬 |
| transcript.whisperx[11].start |
237.398 |
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254.197 |
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交易平台他的虛幣有沒有要做儲備的相關規範就是委員指的應該是講那個安全網的建設我們傳統的金融市場因為他跟不特定的大眾吸收這些的資金所以他會有一個像 |
| transcript.whisperx[12].start |
256.615 |
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280.891 |
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因為虛幣現在沒有一個所謂的市場定位但是至少某個程度美國政府他已經把某些虛幣當成虛幣儲備的一些方式了我是認為說接下來我們既然要開專法讓這些平台業者上路我們可能要未雨綢繆萬一將來有一家不小心像以前的銀行倒掉 |
| transcript.whisperx[13].start |
282.503 |
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300.635 |
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然後消費者求助無門那個時候才成立了存保公司當然我是希望主委在現在這些業者正要進來正要管理我們現在預防他將來可能的儲備不足的情況我們該怎麼辦是就比如說我們現在對冷熱錢包的比重 |
| transcript.whisperx[14].start |
301.773 |
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317.251 |
| transcript.whisperx[14].text |
還有像比如說未來要不要提成保證金是還有就是說未來有沒有類似這樣所以這都是遊戲規則嘛人家都要看你的遊戲規則才決定要不要進來給你管嘛那你的遊戲規則都還訂不清楚就叫人家來登記然後現在還搞不清楚所以當然很多業者還不來登記 |
| transcript.whisperx[15].start |
318.592 |
| transcript.whisperx[15].end |
346.251 |
| transcript.whisperx[15].text |
登記制跟未來的專法那種還是不一樣我同意他們前面都還是以洗錢防治為主體他也不是因為登記制就成為我們的所管轄的金融機構或是機構但是未來主委這一天總會來的而且就在不久的將來可能就會面對到第三個接下去有非常多的業者他可能已經開始上路了民眾看到你今晚會公告了他非常的相信就去交易了然後發生問題了 |
| transcript.whisperx[16].start |
348.012 |
| transcript.whisperx[16].end |
377.012 |
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這個問題我們目前還沒有解放我現在只是提醒你既然有登記民眾就會相信當民眾相信之後我們就有責任當然這個隨著政府介入的程度越深相對的就是我們負擔的責任就越大所以有關儲備的部分我也請央行跟金管會我覺得我們要把國際上認定的一些相關的目前的基準可能大家來討論一下當然尤其是國家把虛幣已經變成戰略儲備它可能將來對我們台灣也會有一定的影響 |
| transcript.whisperx[17].start |
377.312 |
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380.574 |
| transcript.whisperx[17].text |
主委知道我們現在正在做所謂反歧視法的修正方案 |
| transcript.whisperx[18].start |
401.907 |
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428.598 |
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抱歉委員我對這個比較不清楚沒關係因為反歧視法其實是民法的特別法也就是在這個各個領域裡面都希望能夠推動所謂的反歧視那其實金融保險跟相關的你們所轄管的部分也必須要統籌到底有多少反歧視這邊最明顯的例子我現在就講給主委聽大概就是保險比如說汽車險強制險女生 |
| transcript.whisperx[19].start |
431.82 |
| transcript.whisperx[19].end |
438.733 |
| transcript.whisperx[19].text |
年紀永遠都比男生的費率低所以你看到所有的民眾家裡的車子都登記給女生 |
| transcript.whisperx[20].start |
439.724 |
| transcript.whisperx[20].end |
465.048 |
| transcript.whisperx[20].text |
因為他可以交比較低的保費所以這就是一種反歧視法必須要去面對的第二個部分單一費率你這個要去檢討第二個是目前的都保在車主身上沒有保在駕駛身上所以駕駛開了媽媽的車出去撞了人他其實也不會影響他自己也不會影響到保費我們會朝這個方向來處理 |
| transcript.whisperx[21].start |
468.169 |
| transcript.whisperx[21].end |
486.994 |
| transcript.whisperx[21].text |
第三個其實歧視還有另外一塊比較嚴重的很多商業保險甚至受險女生的保費會比較高因為女生活得比較久女生比較不會從事危險的行業但是在反歧視裡面其實應該是就個人的部分來做認定而不是性別你同意嗎 |
| transcript.whisperx[22].start |
487.967 |
| transcript.whisperx[22].end |
500.813 |
| transcript.whisperx[22].text |
我想保險比較複雜不同的地方像比如說歐洲他們是因為基於這個考慮但是風險的部分我們是完全忠實反映風險的話這比較不涉及所以在反歧視上面我希望 |
| transcript.whisperx[23].start |
501.991 |
| transcript.whisperx[23].end |
516.04 |
| transcript.whisperx[23].text |
主委從今天開始知道的話其實有非常多民團已經來陳情尤其是類似現在有一些跨性別他如果去服用了一些荷爾蒙的藥物然後他去投保的話保險公司會拒保因為他認為他可能將來會有身體上的風險 |
| transcript.whisperx[24].start |
518.922 |
| transcript.whisperx[24].end |
547.219 |
| transcript.whisperx[24].text |
這個對他們來說的確是有一定的這個新的事由我們一向都會來來審慎助理因為本來保險是一個長期的合約沒錯中間很多會變化這個我們都會一直都會面臨到類似的問題所以我要針對幾樣人幾個人第一個跨性變成第二個身心障礙者身心障礙者其實都會被受到一定的限制或影響甚至適用比較高的費率那還有高齡者上次有一些里長有些地方政府要幫林長保團保 |
| transcript.whisperx[25].start |
548.76 |
| transcript.whisperx[25].end |
563.992 |
| transcript.whisperx[25].text |
領長都年紀比較大所以連團保都保不到那最後我要說像我主委現在看到我是一個很健康的人當我十年前生過病即使我現在已經完成一日北高跟跑完半馬我還是保不到任何險 |
| transcript.whisperx[26].start |
565.658 |
| transcript.whisperx[26].end |
581.558 |
| transcript.whisperx[26].text |
尤其是類似只要是健康他只要去調病例他就說你曾經生過病所以你這輩子都買不到保險主委這也是一種歧視這個是未來整個保險發展的趨勢過去我們是以過去決定未來我們現在希望未來決定未來 |
| transcript.whisperx[27].start |
582.239 |
| transcript.whisperx[27].end |
608.178 |
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就是這個計費或是整個經營邏輯的改變我可以說既然有反歧視法的這樣的一個正當性在開始去檢視不管是汽車強制險還是一般的受險甚至剛剛講的這些特殊的人他的健康險可能都需要做一些相對的討論而且可能要正視他們的權益你可以說他比較高的保費而不是讓他完全沒有保障是的 |
| transcript.whisperx[28].start |
609.74 |
| transcript.whisperx[28].end |
625.301 |
| transcript.whisperx[28].text |
這個我想我非常認同因為環境在變整個保險也要因應整個環境改變而且第二個你買的是未來的安全其實你過去生過病它是會好的可是我們的好的部分沒有保險公司會認為你好了 |
| transcript.whisperx[29].start |
625.781 |
| transcript.whisperx[29].end |
650.752 |
| transcript.whisperx[29].text |
對我們慢慢會從損害填補變成損害預防兼顧的方式來做所以我希望金管會是不是在半年之內沒有很多沒有很久身心障礙跨性別跟高齡這幾樣的投保狀況做個討論做個檢討第二個是不是能夠跟保險業者來就這個部分就主委所說的我們怎麼樣用未來保障未來 |
| transcript.whisperx[30].start |
651.612 |
| transcript.whisperx[30].end |
661.275 |
| transcript.whisperx[30].text |
對 確實普惠跟公平代課我們會來努力啦半年之內希望看到你的初步報告 好嗎好 沒問題 謝謝 謝謝委員指正好 謝謝黃珊珊委員接著我們請羅明財委員主席各位 初列是官員大號 主席可不可以請 |