| IVOD_ID |
164864 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/164864 |
| 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 |
2025-10-30T10:31:30+08:00 |
| 結束時間 |
2025-10-30T10:38:55+08:00 |
| 影片長度 |
00:07:25 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/480bc0daa4347f0047e51c7bebe4b0068220506846d94b49935765bd47f546517dadbe29f35ae1a95ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
顏寬恒 |
| 委員發言時間 |
10:31:30 - 10:38:55 |
| 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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主席有請金管會彭主委我們請彭主委 |
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委員好主委好主委玉山金並山桑壽這個併購案金款會應該要明確的來審核確保國內金融市場的穩定同時也保障全體投資人的權益這個你認同嗎當然這是我們法律上規定的這個在不管金控法保險法都有這個明確的規定對 |
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但是玉山金並三商售這個市場矚目那實際影響股價的一個重大事件針對市場盛傳說玉山金沒通過董事會的授權就盡致的去談一個讓股價下崩7%這樣子的一個價格金管會說這是商業行為要等到收件後才去了解 |
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確實跟委員 剛剛其實也有多位委員關心這個問題我剛才已經說明過他們在議價協商的過程當中其實像金管會最後是因為等到他們完成他的法律程序送件以後才能確定他的內容至於說他們市場上有關重訊該不該發 怎麼發這件事情我們已經責成交易所那是交易所跟他之間那金管會你容許這樣子的公司的治理行為嗎 |
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公司治理他們都知道我們也對外說明了他們這些東西他們都有自己專業的判斷如果他真的不符規定該怎麼辦就怎麼辦我想我們在前天的記者會我們的同仁也跟對外說明了 |
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好 那我再請教現在最熱門的虛擬貨幣就是穩定幣這個不僅是美國現在各國都搶著要發行穩定幣主要就是要穩定國內貨幣主權台灣也不例外部分經濟學者對穩定幣的風險提出警告 |
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129.684 |
| transcript.whisperx[6].text |
2014年諾貝爾經濟學得主June Trow他撰文指出說穩定幣可能在金融壓力下會出現擠兌風險那他的安全性不應該被高估他並且批評美國對於儲備兌付與風險控管條文 |
| transcript.whisperx[7].start |
135.53 |
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154.476 |
| transcript.whisperx[7].text |
不明確讓發行機構且這個發行機構缺乏銀行等級的一個資本跟流動性的要求所以恐怕會成為影子銀行體系的一環那經認為說支付系統應該由公共基礎設施主導穩定幣或許是 |
| transcript.whisperx[8].start |
155.296 |
| transcript.whisperx[8].end |
165.906 |
| transcript.whisperx[8].text |
金融創新的代表但他們可能會讓少數人致富卻讓整個金融體系承擔風險請問主委你對於學者的這段說話你有什麼看法 |
| transcript.whisperx[9].start |
166.414 |
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195.112 |
| transcript.whisperx[9].text |
對於一個新興的這些的業務或是這樣的發展一定有很多不同的觀點我想這也是為什麼就是說最近很多的因為這個存在不是今天才存在但是為什麼各國政府在這時候要透過立法來做這件事情因為剛剛提到過去是草莽發展的過程當中確實有像剛剛委員提到開始有一家銀行因為他儲備都在那邊發生擠兌的時候他這個就影響到他的那個所謂資產儲備的安全性那因為過去沒有監管所以大家也看到這個這個概念當 |
| transcript.whisperx[10].start |
195.712 |
| transcript.whisperx[10].end |
216.691 |
| transcript.whisperx[10].text |
市場使用的人已經這麼普遍的時候主管決定就應該站出來把這件事情把它規範化我想這也是解決這位他提的論點就是說風險一直存在但是我們要怎麼解決它所以主委這是一個很新的東西其實大多數人根本就不了解所以說這些金融體系可能面臨的風險之外同樣我更擔心的就是詐騙的問題 |
| transcript.whisperx[11].start |
218.052 |
| transcript.whisperx[11].end |
238.809 |
| transcript.whisperx[11].text |
因為台灣已經變成詐騙天堂了對不對我們現在很多人都不敢接這個電話響起只要沒有顯示說是我的朋友或者是認識的人的話根本電話都不敢接那這種情況勢必會如果說穩定幣一推出那一定會有更多的詐團會藉由民眾不了解的這一段時間然後呢 |
| transcript.whisperx[12].start |
239.93 |
| transcript.whisperx[12].end |
257.767 |
| transcript.whisperx[12].text |
來誘導他們進行這樣的投資就是假投資真詐騙那穩定幣極有可能會淪為洗錢詐騙工具之一所以未來台灣如果要發行穩定幣勢必要清楚的讓民眾知道什麼是穩定幣那它的功能是什麼還有它的使用方式是什麼這個宣導一定要做得夠清楚 |
| transcript.whisperx[13].start |
260.469 |
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278.647 |
| transcript.whisperx[13].text |
這個部分所以主委再要請教主委你在跟央行合作的過程當中會針對穩定幣的一個準備資產管理資金流向還有返期前監管的方面提出更多的具體措施那當然剛剛委員提到一個就是說我們對於那個金融教育還好這還有一段 |
| transcript.whisperx[14].start |
279.508 |
| transcript.whisperx[14].end |
290.776 |
| transcript.whisperx[14].text |
那個不算短的時間可以來做準備做這些比如說未來真的專法通過我們做一個金融教育市場宣導我們講這一定會來做剛才提到就是說跟央行之間針對穩定幣因為這個確實關於我們兩個單位的 |
| transcript.whisperx[15].start |
295.72 |
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320.437 |
| transcript.whisperx[15].text |
那個執掌所以這部分我們大概都有充分的協調跟合作這應該未來監管應該也不會有問題因為我們在過去很多銀行的業務本來就跟央行都是共管共治我想這個大概都這個經驗大家都非常的順暢對啦 其實穩定幣放在這個虛擬資產專法對不對對這部分在針對主要是不必要的風險尤其是大片的風險這是我最關心的是不是 我們也很關心對對對 |
| transcript.whisperx[16].start |
321.758 |
| transcript.whisperx[16].end |
336.896 |
| transcript.whisperx[16].text |
那在虛擬資產服務法草案的討論當中金管會如何平衡傳統金融業跟創新業者的角色並確保虛擬資產這個產業的多元發展跟競爭力可不可以請主委說明 |
| transcript.whisperx[17].start |
337.136 |
| transcript.whisperx[17].end |
366.356 |
| transcript.whisperx[17].text |
所以我想這是一個也是一個大家要注意的問題就是說我們的銀行假設從它的歷史推演是非常非常久的歷史但是它整個過程當中它遇到非常非常多新的東西的衝擊比如說這是數位化的過程當中其實銀行也開始做轉型剛才講說其實未來假設我們的虛擬金融也出現的時候我們金融業也應該開始要去思考比如說我們最近在做個實驗就是請銀行來做虛擬資產的保管業務這是一個非常起始的動作 |
| transcript.whisperx[18].start |
367.376 |
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396.717 |
| transcript.whisperx[18].text |
我未來如果要涉入這個不管你服務客戶也好或是你自行要參與要從保管來做這是最基本的再來就是我們也注意到說比如說我們在發行穩定幣的過程當中我們也讓銀行來參與還有就是我們在做這些RWA的部分的時候我們也是希望銀行來參與這件事情所以我們也是用漸進的方式也提醒我們銀行業者未來會怎麼樣大家都不知道但是一定要及早做準備那這樣的話才能因應否則等到整個環境變了你再突然來做我覺得那個成本高風險也更大 |
| transcript.whisperx[19].start |
397.202 |
| transcript.whisperx[19].end |
419.721 |
| transcript.whisperx[19].text |
是的 所以我想這個創新跟這個傳統的部分他要如何讓他有發展力然後能夠平衡能夠有一個發展的空間這金管會要更加的著力確實那個人講這個非常重要因為其實整個金融體系這麼龐大那怎樣讓他能夠順利的因應各種的變化我想我們金管會一定會努力來做 |
| transcript.whisperx[20].start |
420.444 |
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443.453 |
| transcript.whisperx[20].text |
那當然我們最在意就是說避免說未來市場上有持續更多持續更多的不法交易這部分就是我們要避免的那詐騙行為一定要嚴防好不好這次也是我們有個執法是專門針對這個對對對好了謝謝主委謝謝謝謝委員好謝謝主委謝謝副委員接下來有請李昭偉昆城委員 |