| IVOD_ID |
167773 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/167773 |
| 日期 |
2026-03-23 |
| 會議資料.會議代碼 |
委員會-11-5-20-4 |
| 會議資料.會議代碼:str |
第11屆第5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 |
5 |
| 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5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 |
2026-03-23T11:17:41+08:00 |
| 結束時間 |
2026-03-23T11:28:48+08:00 |
| 影片長度 |
00:11:07 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/fac85a1267872a8a2aaa0d9a87ccc9d9e6927793779d72c5d7f21695b503ffebf6bc0ca9412fb4e05ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
林思銘 |
| 委員發言時間 |
11:17:41 - 11:28:48 |
| 會議時間 |
2026-03-23T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第5會期財政委員會第4次全體委員會議（事由：審查本院台灣民眾黨黨團、委員林思銘等21人分別擬具「虛擬資產服務法草案」等2案。（僅詢答）） |
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請林思明委員謝謝主席主席請我們金管會彭主委請彭主委 |
| transcript.whisperx[1].start |
24.553 |
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虛擬貨幣的領域已經長期處在一個空窗期的階段所以我們虛擬資產服務法院版到底什麼時候可以提出啊我剛報告過因為院理審查完畢應該 |
| transcript.whisperx[2].start |
37.898 |
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44.2 |
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我想請問這部專法如何能做到適得其所在健全市場秩序的同時避免說我們的監理過當而扼殺了台灣本土的金融科技創新 |
| transcript.whisperx[3].start |
62.13 |
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83.755 |
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如何讓他適得其所第一個 適得其所第一個先要給他一個明確的身份跟地位我想這是所有在市場上要取得社會信任非常重要的就等於說我法規上給他明確的法律定位以及業務範圍這樣可以阻卻非法跟合法之間的分際這是一個第一步 |
| transcript.whisperx[4].start |
84.355 |
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106.676 |
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那再來就是我們規範的合理化以及有前瞻性比如說我們現在規範合理未來有發展的空間我想這一部法律應該都是大概用這樣的方式來前進OK很好我想主委觀念非常正確我想虛擬資產不是未來也是而是現在進行式全球市場的規模動輒上兆美元 |
| transcript.whisperx[5].start |
107.617 |
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132.015 |
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那我國的投資人參與程度也非常的高但是目前的狀況我們看到是零散的監理法制落後風險外溢虛擬資產市場雖然目前經歷那個Terraluna的崩跌以及FTS的倒閉兩大震盪但截至今日為止就3月23號全球加密貨幣的市值大概還有2.4兆美元 |
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134.056 |
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139.057 |
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其中比特幣市值約1.4兆美元市佔率大概56.15%穩定幣市值大概3122億美元也大概佔12.94%根據2021年IMF與金融時報的數據 |
| transcript.whisperx[7].start |
153.041 |
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171.248 |
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全球的市值總共仍然穩守在1兆美元以上那麼台灣在FTS的事件中的損失規模高達新台幣600億元全球排名第七所以可見我們台灣潛在的投資人非常的多 |
| transcript.whisperx[8].start |
172.208 |
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199.891 |
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那麼用戶的規模也非常的多那我請問這個 主委我們有做過調查嗎 我們大概推估啊現在我們台灣持有虛擬貨幣的人大概有多少人其實我們現在是 就一般民眾我們沒有辦法知道他這樣那我們只能知道我們現在已經納管就沒有推估 我們沒有推估我們現在納管的業者裡面我們有請他提供他營業的資料我們大概推估現在就是他大概開戶數大概一百萬左右剛才跟委員說明過了 |
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200.111 |
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200.773 |
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100萬人開戶客戶數將近100萬左右 |
| transcript.whisperx[10].start |
207.555 |
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232.182 |
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市場規模呢市場規模的話就相對部分我們還在跟他講我們如果有有在統計因為現在有個工會在所以未來有了法規之後我們就會詳細知道這些數據當然當然我們現在就在統計了啦這個部分既然有工會我想其實根據就是說我們這個推估就是媒體的報導推估數值我們的市場規模大概在800億到1500億美金 |
| transcript.whisperx[11].start |
235.123 |
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263.078 |
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就大概有台幣2.5兆到4.5兆所以這一塊呢確實需要我們專法來加以這個去做監管所以我想請教主委我們在監理的密度方面根據歐盟MICA的精神是應該針對不同的規模與業務性質進行分級所以金管會認為應該採取比例原則與兩體財醫還是比照銀行法採行高度嚴格的全面牌照制 |
| transcript.whisperx[12].start |
264.139 |
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284.788 |
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其實剛剛委員講我們這次做的跟過去比較大的不同就是我們是採用不同業別不同執照的申請方式那跟剛剛委員提到銀行它是一個大執照的概念但是我們這裡比如說我們總共大概有七個業態由你自己來決定來申請可以重複也可以單獨 |
| transcript.whisperx[13].start |
285.965 |
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303.138 |
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是 所以對於這種小規模的虛擬資產服務商我們不會一律要求比照銀行法這樣的一個資本額營業保證金有分流讓他有一個創新的空間嘛對 他可以比如說就像我們有一家只做移轉商他就只有取得這樣的一個內容 |
| transcript.whisperx[14].start |
303.979 |
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316.829 |
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所以我本席的提案然後看這個主委你站不站身我的提案版本中增設簡易登記類的VASPER允許小規模的業者以報備制來納管主委你認為這樣是否能夠兼顧產業的創新 |
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321.232 |
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337.643 |
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這其實我們現在來看的話就是因為我們現在假設啦相較於我們過去對金融機構的監理我們的要求可以分幾種不同等級剛才委員提到像銀行它的設立就是100億這是非常非常高的門檻像我們的保險公司大概20億左右 |
| transcript.whisperx[16].start |
338.283 |
| transcript.whisperx[16].end |
363.866 |
| transcript.whisperx[16].text |
譬如我們證券的話一個差不多四億一個業別相較之下我們未來對虛擬資產的這些的要求應該是屬於比較偏向證券業這樣的一個規模不會用一個剛才講的畢竟經營的範圍經營的內容跟生物還是很大不同我的提案聽起來是會沒有就是說如果用報備制的話有可能會整個我們用核准制會產生一個這個所謂的差異 |
| transcript.whisperx[17].start |
364.867 |
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377.688 |
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我們現在從這個分不同的業別就已經有這個精神那我們還是希望說這個產業還是要經過我們用一個事前許可的方式用報備畢竟是在過去我們的執照上很少用報備制來做 |
| transcript.whisperx[18].start |
379.605 |
| transcript.whisperx[18].end |
402.435 |
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主委我們關於穩定幣的分類與監理我們有境外落地的一個挑戰我想這個穩定幣的幣值它佔虛擬貨幣市場的交易量目前看起來超過80%而且它已經具有支付工具的潛力目前的市場主流是USDT和USDC這種境外發行的法幣這個背對型的穩定幣 |
| transcript.whisperx[19].start |
404.756 |
| transcript.whisperx[19].end |
430.308 |
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所以請問對於我們境外穩定幣的實質落地條件是否應該區分全背對型與演算法型的不同風險其實現在我們法規應該不會開放演算型過去很多出事的大概就演算型那我們還是開放以法幣作為直接擔保抵押就不會接受演算型的這個穩定幣 |
| transcript.whisperx[20].start |
432.409 |
| transcript.whisperx[20].end |
457.007 |
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好那另外關於去中心化協議啊這個DeFi的與境內影響性原則虛擬資產都是來自境外嘛目前去中心化這個的金融的協議的DeFi的盛行請問如果要求境外平台必須在台設立法人並取得許可這在操作面上是否可能存在盲點其實這個問題如果說各位 |
| transcript.whisperx[21].start |
458.968 |
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477.913 |
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其實委員在您的版本也有提到這個概念就是我們希望說境外的在台灣你一定要有據點的呈現再來就是我們現在境外的資產境外的各式各樣的虛擬資產如果你要在台灣的合法的VASP上面上架的話你必須要經過我的同意這樣的話以確保否則現在 |
| transcript.whisperx[22].start |
479.4 |
| transcript.whisperx[22].end |
495.566 |
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等於國際上虛擬資產五花八門各種就是比較那些可能比如說空氣避一大堆這種東西我們基於保護交易人的那個角度我們希望能夠經過我們同意才在國內的虛擬資產業者的交易平台上出現所以未來我們如何認定 |
| transcript.whisperx[23].start |
498.727 |
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514.289 |
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認定這些沒有實體透過智能合約運作這些DeFi或者不打算在台設點卻大量有台灣用戶的這些境外的巨頭啊軍管會如何認定其實質營運人啊要如何去認定 |
| transcript.whisperx[24].start |
515.751 |
| transcript.whisperx[24].end |
538.837 |
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他在境外他一定有提供一個產品或是一個服務這個服務要接近我們的交易人他必須透過我們的VASP業者那VASP業就是我剛才講的一個掌控點剛才有跟委員報告就是說我們面對境外的話我們國內有更多我們監管的掌控點的話就可以進行這樣的一個規範跟約束這樣也是維持市場公平的這個 |
| transcript.whisperx[25].start |
540.177 |
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564.437 |
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整個產品跟有序監理這個我的版本中我有引入境內影響性原則只要對本國市場產生重大影響皆應納入監理的一個邊界現在的那個草案就是這樣就是這樣嘛就是這樣精神像委員版本說境外你沒有加入工會不能營業本來就是這樣是好 |
| transcript.whisperx[26].start |
565.037 |
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579.304 |
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我想虛擬資產涉及支付稅務洗錢增辦與技術研發絕非金管會一個部門可以獨立完成所以本席的提案版本認為必須跨部會的來做這個做等一下 |
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584.554 |
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611.577 |
| transcript.whisperx[27].text |
就跨部會的做協作模式的法制化來邀集央行法務部財政部數位部等單位跨部會的協作模式才能避免多頭馬車或前者不明而主管金官應在執法中明定各部會的執掌例如央行負責穩定幣對貨幣政策的衝擊評估數位部負責技術安全的認證所以主委你是否支持這種跨部會協議機制的明文化 |
| transcript.whisperx[28].start |
612.518 |
| transcript.whisperx[28].end |
637.561 |
| transcript.whisperx[28].text |
其實剛剛委員講的就是這個假設完整的分化會是這樣做但是實際上基於監理的整合更比較像說應該就像我們草案裡面提到穩定幣是由財政部來主政但是相關的法規我們要匯商央行同意的方式等於說是我們共管的方式那假設這樣的像剛剛委員的建議這樣的一個管理架構比較少見但是跨部會協作 |
| transcript.whisperx[29].start |
639.402 |
| transcript.whisperx[29].end |
662.218 |
| transcript.whisperx[29].text |
這個絕對要做但是怎麼在一部法律裡面誰主要負責誰負責協助一起同意那我想這個是我們在未來立法像我們的草案裡面對於穩定幣就非常明確就是要經過跟央行跟金管會之間的協助這樣所以基本上這個精神是支持的這本來就應該是這樣草案裡面法條裡面要怎麼寫對這個要再做研議啦其實謝謝我們也會一樣會會去做這件事情好 以上好 謝謝謝謝 |