| IVOD_ID |
164856 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/164856 |
| 日期 |
2025-10-30 |
| 會議資料.會議代碼 |
委員會-11-4-20-5 |
| 會議資料.會議代碼:str |
第11屆第4會期財政委員會第5次全體委員會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
4 |
| 會議資料.會次 |
5 |
| 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4會期財政委員會第5次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-10-30T09:56:39+08:00 |
| 結束時間 |
2025-10-30T10:08:44+08:00 |
| 影片長度 |
00:12:05 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/480bc0daa4347f00311ddf5a816b3f508220506846d94b49935765bd47f54651a4760fc26950f44b5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
賴惠員 |
| 委員發言時間 |
09:56:39 - 10:08:44 |
| 會議時間 |
2025-10-30T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第4會期財政委員會第5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、中央銀行、法務部、內政部警政署就「虛擬資產服務法草案及其相關子法修訂暨建立完善監理架構之進程」進行專題報告，並備質詢。） |
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| transcript.whisperx[0].start |
0.19 |
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1.882 |
| transcript.whisperx[0].text |
蘇副總裁還有謝局長 |
| transcript.whisperx[1].start |
9.383 |
| transcript.whisperx[1].end |
30.571 |
| transcript.whisperx[1].text |
副總裁 局長 早安我想針對的就是在去年6月12號那本席當任召委的時候我有辦了一個虛擬資產服務法的公聽會那在這個公聽會裡頭就是有很多的學者他跟專家他都給了很多的一個建議那他也期望 |
| transcript.whisperx[2].start |
31.211 |
| transcript.whisperx[2].end |
53.077 |
| transcript.whisperx[2].text |
就是期待行政部門保留一個創新的空間那當然就是說我們希望就是國際化那也保障投資人所以在這裡頭這一個新法我們希望金融會安全那個洗錢的一個防治法要能建立還有數位主權這裡頭都是一個關鍵的一個轉折點 |
| transcript.whisperx[3].start |
53.997 |
| transcript.whisperx[3].end |
70.026 |
| transcript.whisperx[3].text |
在這裡我想請教那個央行副總裁有幾個問題我想請教你就是說在這一次的虛擬資產服務法裡頭的草案第34條裡頭他有提到穩定幣等一下你解釋一下穩定幣 |
| transcript.whisperx[4].start |
70.786 |
| transcript.whisperx[4].end |
93.144 |
| transcript.whisperx[4].text |
跟我們央行的CBDC它有什麼樣的一個不同那除了不同以外那在資料裡頭我們又看到了就是說今天審查的這個草案裡頭穩定幣你把它列入了一個規劃那這個穩定幣你要扮演一個那個最主要就是說你要進行監管 |
| transcript.whisperx[5].start |
94.245 |
| transcript.whisperx[5].end |
103.975 |
| transcript.whisperx[5].text |
這個是後段的後段的軍管會那你的目的是什麼站在央行的一個角度請跟我提出這幾個說明好不好 |
| transcript.whisperx[6].start |
105.555 |
| transcript.whisperx[6].end |
126.004 |
| transcript.whisperx[6].text |
我先做個簡單的說明那詳細部分請我們局長補充基本上央行的CVDC是屬於具有法幣性質只是他用數位的方式來發行第二個CVDC這個出來 |
| transcript.whisperx[7].start |
127.306 |
| transcript.whisperx[7].end |
152.245 |
| transcript.whisperx[7].text |
它分兩層有一層是央行跟金融機構之間的一個關係第二層是金融機構跟一般客戶我們講的使用者的關係CBDC最主要的處理的是央行跟金融機構這種大額清算等等 |
| transcript.whisperx[8].start |
153.286 |
| transcript.whisperx[8].end |
173.294 |
| transcript.whisperx[8].text |
所以這個是他的特質簡單的講他是不是就是一個流動的一個新台幣應該是電子化的新台幣但他不像現在電子化的一個新型的一個電子化的新台幣但是他不會用到一般資戶最主要是在跟金融資格之間那他需要 |
| transcript.whisperx[9].start |
174.534 |
| transcript.whisperx[9].end |
201.661 |
| transcript.whisperx[9].text |
他需要那個始祖的準備金那花行者達到一定的金額的時候一定要向央行那個就是繳交這個準備金那當然就是說這一個那個穩定幣的當中他有交易的仲介還有替代那個通貨的功能那這裡我要請教你穩定幣會不會比照通貨還是那個我們的那個火期那個存款裡頭把它列為就是記幣的範圍呢 |
| transcript.whisperx[10].start |
207.474 |
| transcript.whisperx[10].end |
231.481 |
| transcript.whisperx[10].text |
你說什麼季幣我跟你講穩定幣穩定幣就是你他一定是他一定是要繳準備金那準備金裡頭你會不會比照就是說未來會不會比照通貨那個不是通盆是通貨還是活期那個活期性的一個存款列為那個貨幣的季幣的一個範圍 |
| transcript.whisperx[11].start |
232.833 |
| transcript.whisperx[11].end |
255.655 |
| transcript.whisperx[11].text |
我們現在的那個季體準備金的部分就是比照現在的電子支付因為它是一種電子支付代幣化的支部門發行的虛偽貨幣那現在的呢那我們現在就是以現在電子支付是季體準備金是以活期存款的準備率在季體準備金所以啊那你通貨有沒有把它列進去呢你活期已經列進去了嘛 |
| transcript.whisperx[12].start |
259.561 |
| transcript.whisperx[12].end |
271.845 |
| transcript.whisperx[12].text |
因為它是等於把錢放到發行者的帳戶裡面去我們就是視同它就是有吸收這一筆的資金這一筆的資金的這一部分就是提出來以活期存款的所以是1比1嗎它現在就是1比1你說準備資產的部分嗎對準備資產是整體的準備資產有包括準備金那具體準備金剩餘的部分就是可以買高品質高流動性的這些金融資產 |
| transcript.whisperx[13].start |
287.509 |
| transcript.whisperx[13].end |
311.219 |
| transcript.whisperx[13].text |
那這個加起來的準備資產要大一點納進去跟不納進去有什麼樣的一個影響你分析給我聽你說準備金不納進去的話嗎第一個因為它是要跟因為它現在的功能支付功能跟現在的電子制度管理條例是類似的所以我們需要說相同的業務相同的活動要適用相同的規定所以有具體準備金這樣規定那第二個準備金的部分是有保障 |
| transcript.whisperx[14].start |
312.279 |
| transcript.whisperx[14].end |
318.364 |
| transcript.whisperx[14].text |
使用者的權利 因為準備經濟體制來之後如果它發生問題 可以保障消費者的權益那對台灣的一個貨幣資產它的影響層面是怎麼樣其實我覺得重點還是在影響到金融體系的存款因為今天如果是私人 私部門某一個非銀行機構去發行穩定幣那是不是你要把資金吸到這個非銀行機構的這個機構的本身 |
| transcript.whisperx[15].start |
339.742 |
| transcript.whisperx[15].end |
356.289 |
| transcript.whisperx[15].text |
用戶一定會從銀行的存款提出來放到這些私部門機構去發行穩定幣所以其實比較衝擊的應該是銀行存款這個體系這個存款的流失我這樣聽起來其實你們還是非常的保守 |
| transcript.whisperx[16].start |
357.549 |
| transcript.whisperx[16].end |
377.208 |
| transcript.whisperx[16].text |
那個金管會主委一直講說要有一個創新當然那個主委我等一下那個下半段就是請教你那這個上半段央行是趨於一個比較保守一個比較保守你有沒有想到就是說其實我們新台幣它處於一個比較劣勢因為我們不夠國際化 |
| transcript.whisperx[17].start |
379.349 |
| transcript.whisperx[17].end |
407.447 |
| transcript.whisperx[17].text |
那不够国际化我们的知名度又不够我们不像新加坡不像那个香港他们其实是有一个比较响的一个国际知名度然后我们又不是世界那个流通的一个货币我们也不是美金也不是日币也不是欧元那如果你用这么保守的一个货币政策的话是不是会影响未来比特币的一个发展那当然刚才我坐在那个那个 |
| transcript.whisperx[18].start |
409.574 |
| transcript.whisperx[18].end |
426.159 |
| transcript.whisperx[18].text |
坐在我的同事旁邊我同事就告訴我說我對這一個法案事實上我是有點擔心那我是不知道怎麼對待擔心起來因為我也知道說勢必是一定要推動的那可是在推動的過程裡頭 |
| transcript.whisperx[19].start |
427.279 |
| transcript.whisperx[19].end |
445.672 |
| transcript.whisperx[19].text |
如果我們不跟世界接軌的話那我們會非常的一個吃虧那顯然就是說在這個過程裡頭那個新台幣的穩定幣必須要就是100%的一個準備金那這個準備金你們會把它指定放在這個央行或是指定的金融機構呢 |
| transcript.whisperx[20].start |
447.582 |
| transcript.whisperx[20].end |
462.972 |
| transcript.whisperx[20].text |
我們不是100%的準備金而是一部分是體存準備金1比1為什麼不是100%呢不是 它的準備金的構成成分是準備金還有其他高流動性的資產所以準備金只是其中的一部分不是100%不是100%對 好 |
| transcript.whisperx[21].start |
467.114 |
| transcript.whisperx[21].end |
477.183 |
| transcript.whisperx[21].text |
不是百分之百好那就是民間發行的新台幣的穩定幣的話他不一定就是必須100%的一個準備金不是100%的準備金但是100%的準備資產 |
| transcript.whisperx[22].start |
480.43 |
| transcript.whisperx[22].end |
497.553 |
| transcript.whisperx[22].text |
好 是100%的準備資產那你的規模要晃到多大那就要看整個這個部門它發行的量有多大沒有 你一定要有一個準備嘛你打算你的規模要晃到最大是晃到哪裡你不可以連這個都打不出來啊就是看這個部門發行的穩定幣的量規模有多大才會以這個量去記提所謂的準備資產 |
| transcript.whisperx[23].start |
508.992 |
| transcript.whisperx[23].end |
515.353 |
| transcript.whisperx[23].text |
所以你們打算這個規模要晃到多大總是有一個天花板你有一個地板總是會有一個天花板你不可能連這個問題都答不出來那我們怎麼支持你這個草案通過呢 |
| transcript.whisperx[24].start |
543.023 |
| transcript.whisperx[24].end |
550.33 |
| transcript.whisperx[24].text |
我现在在问你说我不是在问准备金我已经翻页了我在问你说你的规模有多大 |
| transcript.whisperx[25].start |
552.268 |
| transcript.whisperx[25].end |
566.267 |
| transcript.whisperx[25].text |
目前我看的虛擬資產的這個專法裡面是沒有規模的一個限額啦那我想後續可能再跟金管會這邊目前看母法是沒有但是我想後續我們可能會跟金管會再來做一些溝通交流 謝謝 |
| transcript.whisperx[26].start |
567.048 |
| transcript.whisperx[26].end |
578.643 |
| transcript.whisperx[26].text |
所以有沒有跟金管會溝通過這個問題委員我要講母法是一個一般概念將來有相關的執法訂定的部分那你們跟金管總是會討論過主委主委所以相關執法這個部分應該比較清楚 |
| transcript.whisperx[27].start |
585.171 |
| transcript.whisperx[27].end |
603.491 |
| transcript.whisperx[27].text |
好 主委我想那個是不是你來回答我這一個問題我們有關穩定幣因為剛才也涉及到可能是外匯還有貨幣的問題我們這個所有的草案包括我們這個草案裡面總共有八個條文每一個條文都跟央行做過非常密切的溝通 |
| transcript.whisperx[28].start |
604.755 |
| transcript.whisperx[28].end |
621.22 |
| transcript.whisperx[28].text |
包括未來的執法也都是一定是因為這個確實牽涉到兩個像剛剛韋恩的投影片裡面像比如新加坡MS它就是兼具金管會跟央行的功能他們就很容易協調那我想我們在這邊兩個部分應該沒有什麼問題在這一塊我們有很高度的共識在管理這個市場 |
| transcript.whisperx[29].start |
622.082 |
| transcript.whisperx[29].end |
636.513 |
| transcript.whisperx[29].text |
那我還是希望你會後給我這一個大概一個參考值你們的規模到底要做到哪裡就是我們會想說未來對於穩定幣整個規範的架構還有這些細節內容我再跟委員做報告 |
| transcript.whisperx[30].start |
637.573 |
| transcript.whisperx[30].end |
655.591 |
| transcript.whisperx[30].text |
一方面要監理一邊又希望豁免監理的管理權這個有沒有矛盾就是在你的草案裡頭就是說你希望授權業者有創新的實驗可是你又希望他不適用於本法這個會不會出現結構性的矛盾 |
| transcript.whisperx[31].start |
657.833 |
| transcript.whisperx[31].end |
680.296 |
| transcript.whisperx[31].text |
其實不會啦跟委員說明因為這個是因為我們覺得為了要鼓勵這個創新我把那個創新實驗條例也適用到這個VASP的這個就是說就像我們現在所有金融機構都可以都可以來適用所以你讓它更靈活就是說未來假設比如說它有一個是我們在整個這個虛擬資產服務法規範下面框線到一個新型的業態的話我們可以暫時跟它用 |
| transcript.whisperx[32].start |
680.856 |
| transcript.whisperx[32].end |
697.392 |
| transcript.whisperx[32].text |
那如果業者進行大規模的募資的話那你會不會就是介入那是不是會有一個尖裡的沙盒還是說會有一個灰色的避風港其實不會有其實這種灰色地帶在模糊地帶我們就是擔心 |
| transcript.whisperx[33].start |
698.593 |
| transcript.whisperx[33].end |
706.24 |
| transcript.whisperx[33].text |
一些狀況就是發生在這個模糊地帶沒有關係那個主委我想我再跟委員提一個書面說明其實不會有這個問題啦這個條文只是說讓他試用書面說明給賴委員讓他試用那個創新實驗條例好 謝謝我們謝謝賴委員接下來我們請吳秉瑞委員 |