| IVOD_ID |
164861 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/164861 |
| 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 |
2025-10-30T10:19:53+08:00 |
| 結束時間 |
2025-10-30T10:31:22+08:00 |
| 影片長度 |
00:11:29 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/480bc0daa4347f00753b9b00160441d38220506846d94b49935765bd47f5465111b1cec9fb31ec975ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
鍾佳濱 |
| 委員發言時間 |
10:19:53 - 10:31:22 |
| 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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主席在黨委員監禁列席的政府金管組長官員會長工作夥伴媒體記者女士先生有請金管會彭主委還有央行的朱副總裁請彭主委朱副總裁 |
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主委好 當然今天有央行的題目先問一個時事的議題就是玉山金併購三商售居然有媒體的標題是說是摸黑交易因為根據我們證交所的相關處理程序重大投資它必須 |
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那個要做一個重訓的發布那有人說玉山精英的團隊既然已經去投標去出具有法律約束力的文件那麼如果沒有經過董事會的決議這樣可以嗎金管會的看法怎麼樣 |
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49.212 |
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我想我們相關的交易他們都是具有他們都非常清楚什麼叫公司治理我想這件事情我們已經責成交易所去主動去了解我剛才有委員詢問這個問題我會請交易所調查完畢再跟社會做報告因為這主要是交易所跟他們之間的這樣的契約關係我們一定要請交易所去跟他們做 |
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是的我想不只一位委員關心表示這是一個大家都關心的議題所以請金管會一定要慎重處理那當然我們昨天在那個應該前天的記者會也表達這樣看法好謝謝那我們也期待調查後的結果好那麼三商售它的RVC如果沒有達標您覺得我們來推估預算金會溢價收購嗎 |
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應該是我覺得我們在做帳務的財報的價值跟他未來持續經營的價值這兩個是有不同的看法我想為什麼每次的收購合併案都有所謂的溢價 |
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就是那個持續經營價值的預期大家不同就等於說我們現在看到它的價值是一個所謂的進變現的概念就現在我做一個清償它價值多少但是我繼續經營就像我開一家餐廳我餐廳如果現在馬上清掉了我的資材設備就是值這麼多錢但是我長期經營假設我是個經營能力好的人我看到的價值是不一樣的 |
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那但是呢因為正是因為今晚會公布了一個ICS過渡措施所以呢那個三商售他就算是有合格了沒有沒有還沒沒有他就是必須對他以前那個資本的缺口完全不能消失是所以他必須承諾好那未來的接手的人他也必須要 |
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蓋瓜承受蓋瓜承受所以這種情況之下願意溢價來併購的跟金管會在ICS過渡措施有關聯嗎我想這個他們是協商的過程金管會是不會介入我想這個是一個市場機制市場機制的判斷我們在這因為我們一定要等他開始他知道他蓋瓜承受了所以他知道心裡有譜 |
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他當然再來他送件的時候比如說未來他們有送件的時候正式通過他們的這個所謂公私治理股東民主程序決議通過以後按照我們金控法的規定還有保險法的規定送到金管會我們就來看他這部分的承諾還有這些的內容好 謝謝那接下來請您暫時休息一下先不要消耗那請副總裁來問一下聯準會之前啊我就問過總裁不過今天是副總裁來嘛我就問說聯準會的降息跟台股的新高會不會有關聯那時候還沒降喔 |
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那現在呢 林仁偉呢現在 聯儲會降啦那台股又創新高那到底有沒有關係呢是台股的體質好我們的出口產業強勁創新產業強勁 是什麼原因 |
| transcript.whisperx[11].start |
220.944 |
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249.345 |
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有没有关联应该影响的因素很多很多但是如果我们真的台股很好外资会进来买外资很愿意来买对 应该是这样但是因为外资大局进入那有人又说那央行的没收的这个汇率的升幅出手没收讲得很重但是我们都认为央行是要持续的因为我们台湾是出口导向那吻会很重要那这个汇率影响程度央行怎么运营 |
| transcript.whisperx[12].start |
251.458 |
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270.248 |
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我應該這麼講其實外匯市場的匯率應該是市場供需決定很難預測但是我們看外資他進來買但外資在台股投資獲利很高他還有一個隨時將他的獲利匯出去所以對匯率的影響其實進來買好像是 |
| transcript.whisperx[13].start |
276.601 |
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298.163 |
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一個方向對他獲利馬上出去是一個方向所以你認為外資的進出台股的市場對於匯率的影響是一部分的不是全部的那央行要持續的穩會這是我們的目標是我們好謝謝來往下看那他穩定幣大家都問穩定幣的貨幣戰那麼美國他是由不具官方 |
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299.203 |
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不發行官方的穩定幣但是歐盟的看法不同他為了擔心他的清算體系資本流動還有跨境結算全面的美元化所以歐盟是很積極那麼美國目前是兩大穩定幣商壟斷市場但是歐盟的做法我們台灣有一個數位性台幣CPTC那麼目前CPTC目前央行的規劃 |
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324.085 |
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用的比較通俗 是B to B沒有用在一般的民間那未來會不會繼續擴大跟歐盟的做法一樣其實這個部分我們現在CBDC是在一個試驗的階段在研擬 至於未來應該怎麼樣其實有各種可能性會不會擴大 謝局長我聽你講過問一下謝局長他有兩層所以主要他應該是在 |
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352.556 |
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357.32 |
| transcript.whisperx[16].text |
央行的CPTC上層基本上它是跟金融機構之間的支付清算我們現在談的穩定幣這個部分是一般大眾這是很不一樣所以會不會CPTC擴大到一般當作是一種穩定幣謝局長我之前聽過你的一個介紹謝局長你解釋一下 |
| transcript.whisperx[17].start |
375.234 |
| transcript.whisperx[17].end |
393.852 |
| transcript.whisperx[17].text |
我想就是分兩個一個叫做Retail的給大眾使用的一個是給Wholesale給做清算使用的那目前因為我想我們目前不急迫去發行那個Retail的CBDC主要是因為現在的支付工具相當的多元也便利所以沒有急迫性所以目前比較急迫是在那個Wholesale做一個清算 |
| transcript.whisperx[18].start |
394.292 |
| transcript.whisperx[18].end |
411.099 |
| transcript.whisperx[18].text |
我馬上問下一題 既然你這樣講已經進入了我們穩定幣的監理它有準備資產對不對高價值 高品質或高流動性像短期貸券或票券如果不是法幣樣態的是不是會用不是法幣樣態的來做穩定幣的準備資產美債 RWA會這樣嗎會不會把這些不是法幣樣態的來做為穩定幣的資產 準備資產 |
| transcript.whisperx[19].start |
420.342 |
| transcript.whisperx[19].end |
447.19 |
| transcript.whisperx[19].text |
目前我們在那個法的規定主要是在給高流動性高安全的這個金融資產美債算不算美債可以啊RWA也可以如果是屬於符合合格的這種有監理的有監管的這種金融資產很好 講到了來 現在我們要問有監管的來 監管會同事會來 知道這個事件加密通貨史上最大規模的清算事件因為川普宣布了對中國加徵百分之百結果加密通貨就11天 哇 |
| transcript.whisperx[20].start |
448.719 |
| transcript.whisperx[20].end |
474.844 |
| transcript.whisperx[20].text |
因為基本上它是用非資產來做儲備的那這個合成穩定幣它可以買進虛擬資產但是又賣出等值的一個期貨然後有Delta中性對沖後面的運作我們來看一下就是這樣的循環它已經不是用實體資產了那它去抵押之後又拿到穩定幣又繼續買這樣合成資產這樣一直循迴循迴循迴它可以把它受益率推高到四成五成那這樣的合成穩定幣的循環貸有什麼風險 |
| transcript.whisperx[21].start |
476.28 |
| transcript.whisperx[21].end |
495.809 |
| transcript.whisperx[21].text |
我想我們在這次的我們的草案裡面就不包括這一塊了不包括這一塊不包括合成穩定幣對是好那這樣我們就往下看了好那麼剛剛我們提到呢對不起往上看對就是合成穩定幣他貶值會造成死亡螺旋這是不是也是因為這樣的關係所以我們金管會不打算開放 |
| transcript.whisperx[22].start |
496.68 |
| transcript.whisperx[22].end |
511.307 |
| transcript.whisperx[22].text |
當時我們在考慮的時候本來這個四大類的穩定幣的形態我們就選擇以法幣做連結以法幣 對但是剛剛央行說啦這個美債啦這個我們的這個RWA它也可以考慮啊它是準備資產 |
| transcript.whisperx[23].start |
512.327 |
| transcript.whisperx[23].end |
529.779 |
| transcript.whisperx[23].text |
那是準備資產就是背後比如說我發一個台幣穩定利率我背後的準備資產可以用什麼像USDT USDC它也不是用美金它是可能用他們短期的美債或是其他的工具就是流動性要高安全性要好好所以這個剛剛央行的問題就是這樣未來 |
| transcript.whisperx[24].start |
531.348 |
| transcript.whisperx[24].end |
559.309 |
| transcript.whisperx[24].text |
是否開放合成穩定幣或以Delta中性對沖的虛擬資產您剛剛已經答了如果按照我們的草案通過應該是沒有這個那會不會開放虛擬資產的抵押或循環抵押也就不存在了就是我剛才提到假設未來因為虛擬資產說未來有新的業態的部分我們剛才講我們在專法也保留了一個立法上的可能性有其他金主管居然同意的虛擬資產業務所以未來如果會開放 |
| transcript.whisperx[25].start |
560.766 |
| transcript.whisperx[25].end |
581.795 |
| transcript.whisperx[25].text |
會不會有什麼具體規範那當然每一個新的開放我們都會仔細的思考他所有的應該怎麼規範會非常謹慎來做這件事好那這裡面的就剛講到的RWA技術驗證以具可行性那麼因為你們提到了說金環會已經有一個實驗小組也顯示了具有可行性那麼如果有三個領域一個要趕快有調適法規要有交易平台要跟國際連結 |
| transcript.whisperx[26].start |
583.015 |
| transcript.whisperx[26].end |
612.755 |
| transcript.whisperx[26].text |
那未來如果開放會不會建立第三方的驗證機制來向購買者驗證資產價值我想RWA它比較特別一點其實剛剛有提到有人說其實穩定幣也是某種RWA但是就是說我們現在在那個專法草案裡面我們在定義裡面其實是把RWA排除在外的因為我們是把它另外的當作是因為它是連結到有價證券我們現在還是因為另外一個有價證券的方式在處理所以RWA的部分不會在這裡面除了穩定幣以外 |
| transcript.whisperx[27].start |
614.578 |
| transcript.whisperx[27].end |
622.369 |
| transcript.whisperx[27].text |
RWAE它是一個有實體世界資產的一個它就是一個孿生或是數位原生它的實體因為剛剛吳秉隆也問到了它的實體世界的資產價值重不重要 |
| transcript.whisperx[28].start |
628.191 |
| transcript.whisperx[28].end |
646.465 |
| transcript.whisperx[28].text |
就是RWA它本質上它就是兩個是連動的就是它的分身就是我有一個股票它主要的目的是希望交易更有效率不受時間空間的限制但是這個穩定幣不一樣它倆是有點分離這個還是有點差別只是說它性質是很類似都有一個抵押資產在做一個 |
| transcript.whisperx[29].start |
647.425 |
| transcript.whisperx[29].end |
663.415 |
| transcript.whisperx[29].text |
做一個back up這樣好 謝謝最後我們來看一下那麼立法院的法治局提出了虛擬資產的稅務規範因為既然是資產它會有交易也會未來有面臨到課稅的問題這個部分今晚會不會跟財政部提出說這個部分財政部是不是要來關心一下 |
| transcript.whisperx[30].start |
664.095 |
| transcript.whisperx[30].end |
681.745 |
| transcript.whisperx[30].text |
這當然 我想財政部據我所知他們應該也在做這個研究啦因為這個衝航稅的部分我們不會在專法裡面釐定那財政部應該會根據他的性質跟他交易的屬性來釐清該課什麼樣的一個稅賦的制度好 謝謝主委 葉主席暫停我們到這謝謝謝謝中委員接下來我們請顏寬恆委員 |