{"id":148937,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/148937","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/a0ee4ec253a720292b9aaf7f2cea2d01bdc0b11ed89c5ff9c986728e607a0322482c983ede377c945ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"林德福","委員發言時間":"09:16:18 - 09:27:56","影片長度":"00:11:38","會議時間":"2023-12-11T09:00:00+08:00","會議名稱":"立法院第10屆第8會期財政委員會第20次全體委員會議（事由：一、邀請金融監督管理委員會黃主任委員天牧就（一）「開放銀行」（Open 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677.481, \"score\": 0.998}, {\"word\": \"流\", \"start\": 677.481, \"end\": 677.861, \"score\": 0.947}, {\"word\": \"動\"}, {\"word\": \"性\", \"start\": 677.861, \"end\": 678.001, \"score\": 1.0}, {\"word\": \"的\", \"start\": 678.001, \"end\": 678.161, \"score\": 0.999}, {\"word\": \"管\", \"start\": 678.161, \"end\": 678.362, \"score\": 1.0}, {\"word\": \"理\", \"start\": 678.362, \"end\": 678.682, \"score\": 1.0}, {\"word\": \"然\", \"start\": 678.682, \"end\": 678.862, \"score\": 0.999}, {\"word\": \"後\", \"start\": 678.862, \"end\": 679.122, \"score\": 0.923}, {\"word\": \"在\", \"start\": 679.122, \"end\": 679.983, \"score\": 1.0}, {\"word\": \"商\", \"start\": 679.983, \"end\": 680.244, \"score\": 0.997}, {\"word\": \"品\", \"start\": 680.244, \"end\": 680.404, \"score\": 1.0}, {\"word\": \"的\", \"start\": 680.404, \"end\": 680.764, \"score\": 0.941}, {\"word\": \"銷\"}, {\"word\": \"售\", \"start\": 680.764, \"end\": 680.964, \"score\": 0.989}, {\"word\": \"上\", \"start\": 680.964, \"end\": 681.165, \"score\": 0.999}, {\"word\": \"面\", \"start\": 681.165, \"end\": 681.785, \"score\": 0.968}, {\"word\": \"銷\"}, {\"word\": \"售\", \"start\": 681.785, \"end\": 682.106, \"score\": 0.981}, {\"word\": \"更\", \"start\": 682.106, \"end\": 682.506, \"score\": 1.0}, {\"word\": \"符\", \"start\": 682.506, \"end\": 682.706, \"score\": 0.923}, {\"word\": \"合\", \"start\": 682.706, \"end\": 683.327, \"score\": 0.996}, {\"word\": \"民\", \"start\": 683.327, \"end\": 683.727, \"score\": 0.95}, {\"word\": \"眾\"}, {\"word\": \"需\", \"start\": 683.727, \"end\": 683.928, \"score\": 0.998}, {\"word\": \"要\", \"start\": 683.928, \"end\": 684.408, \"score\": 0.999}, {\"word\": \"然\", \"start\": 684.408, \"end\": 684.588, \"score\": 0.999}, {\"word\": \"後\", \"start\": 684.588, \"end\": 684.849, \"score\": 0.923}, {\"word\": \"符\", \"start\": 684.849, \"end\": 685.009, \"score\": 0.993}, {\"word\": \"合\", \"start\": 685.009, \"end\": 685.249, \"score\": 1.0}, {\"word\": \"接\", \"start\": 685.249, \"end\": 685.669, \"score\": 0.921}, {\"word\": \"軌\"}, {\"word\": \"需\", \"start\": 685.669, \"end\": 685.83, \"score\": 0.998}, {\"word\": \"要\", \"start\": 685.83, \"end\": 686.03, \"score\": 1.0}, {\"word\": \"的\", \"start\": 686.03, \"end\": 686.17, \"score\": 0.999}, {\"word\": \"商\", \"start\": 686.17, \"end\": 686.43, \"score\": 0.997}, {\"word\": \"品\", \"start\": 686.43, \"end\": 687.692, \"score\": 0.985}, {\"word\": \"這\"}, {\"word\": \"樣\"}, {\"word\": \"喔\", \"start\": 687.692, \"end\": 687.832, \"score\": 0.857}, {\"word\": \"?\"}, {\"word\": \"好\", \"start\": 687.832, \"end\": 688.012, \"score\": 0.997}, {\"word\": \",\"}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"委\", \"start\": 688.012, \"end\": 688.112, \"score\": 0.8}, {\"word\": \"員\"}, {\"word\": \"指\", \"start\": 688.112, \"end\": 688.212, \"score\": 0.8}, {\"word\": \"導\"}, {\"word\": \",\"}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"好\", \"start\": 688.212, \"end\": 688.452, \"score\": 0.921}, {\"word\": \",\"}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"接\", \"start\": 688.452, \"end\": 688.613, \"score\": 0.875}, {\"word\": \"下\", \"start\": 688.613, \"end\": 689.013, \"score\": 0.948}, {\"word\": \"來\"}, {\"word\": \"請\"}, {\"word\": \"吳\"}, {\"word\": \"秉\"}, {\"word\": \"瑞\", \"start\": 689.013, \"end\": 689.133, \"score\": 0.833}, {\"word\": \"委\", \"start\": 689.133, \"end\": 689.273, \"score\": 0.855}, {\"word\": \"員\"}, {\"word\": \"上\", \"start\": 689.273, \"end\": 689.373, \"score\": 0.797}, {\"word\": \"台\", \"start\": 689.373, \"end\": 689.393, \"score\": 0.0}, {\"word\": \"質\"}, {\"word\": \"詢\"}], \"language\": \"zh\"}","srt":"1\n00:00:09,017 --> 00:00:14,819\n因為上個禮拜四財經公司112年度的金融資訊系統年會專題演講\n\n2\n00:00:35,100 --> 00:01:01,889\n那央行的副總裁朱美麗這個表示數位貨幣CBDC可能會成為未來整個貨幣體系的核心那央行正審視評估探索發行數位貨幣的可能性那我請教黃主委你認為國內數位貨幣發行的可能性高或不高\n\n3\n00:01:03,939 --> 00:01:17,043\n如果是央行的CBDC的話這個可能要尊重中央銀行的意見那個以央行目前的整個研究規劃速度啊主委儘管會要無縫接軌這個數位貨幣發行後的相關業務你認為有沒有困難\n\n4\n00:01:24,242 --> 00:01:44,404\n拜委員這個CBDC的發行國際間是有一些央行在處理但是國內的央行怎麼做目前來講我們沒有看到相關的規劃主委因為數位貨幣一旦推行你認為需不需要推廣這個擴大的普及率\n\n5\n00:01:48,198 --> 00:02:03,088\n當然就是既然要用央行數位貨幣表示它是一個通貨當然希望能夠在不同的場域都能夠使用主委因為前行政院長陳聰也說預計2028年全世界主要先進國家\n\n6\n00:02:04,656 --> 00:02:28,156\n都將使用CBDC他認為金管會包括央行數位部三大機關到目前為止人在互踢啤酒這是橫向聯繫的一個失靈淪為變成三個和尚美水喝那我請教主委你認為他說的是不是事實\n\n7\n00:02:30,496 --> 00:02:51,861\n其實中央銀行對於數位央行貨幣的研究我的了解是一直在進行其實除了朱副總裁的報告之外前兩年楊總裁也有在其他的場合做過一些報告那我覺得這部分\n\n8\n00:02:52,682 --> 00:03:00,618\n市快市慢我不願意做評論你認為我們應不應該要未雨綢繆就事前來做一些規劃\n\n9\n00:03:03,926 --> 00:03:32,774\n報告委員其實CBDC各國其實也都討論到一些它的得失優劣那我覺得這個部分還是央行是主政單位為貨幣的發行我想監理機關這邊不能越主帶跑去替央行決定那我請教針對數位貨幣的推動今晚為目前的推動有沒有哪些工作的一些準備準備工作\n\n10\n00:03:34,707 --> 00:03:50,626\n我們目前沒有我承諾剛才跟委員報告的央行如果有規劃一個需要去配合的事項央行會特別跟我們做溝通目前並沒有這部分的具體的看到\n\n11\n00:03:51,147 --> 00:04:04,866\n因為央行朱副總裁說金融數位化已經是不可逆如果未來決定導入數位貨幣應避免去金融中介化\n\n12\n00:04:06,516 --> 00:04:27,408\n而且與其他的支付工具並存確保互通性並考慮它的效率性及支持創新那我請問主委請你說明國內導入數位貨幣與金融中介化之間到底有沒有什麼關聯性\n\n13\n00:04:30,151 --> 00:04:55,439\n我不太了解這個論述後面的背景我還是要跟委員報告這個央行數位貨幣完全是貨幣的另外一種形式的發行這是屬於中央銀行的權責主委因為國內數位貨幣為什麼要有這個金融中介的必要性你有什麼看法\n\n14\n00:04:57,594 --> 00:05:11,701\n我個人不太了解後面論述的意義是什麼因為金融中介是金融機構吸收社會大眾資金再開放給需要資金的企業跟個人\n\n15\n00:05:13,021 --> 00:05:31,182\n那CBDC是屬於央行發行的代表政府主權性質的這個電子的貨幣我不太瞭解後面的論述是不是容我瞭解之後再跟您報告那我請教因為像國內整個環境適合哪種的模式這個\n\n16\n00:05:34,286 --> 00:05:51,040\n這個來操作因為這個金融中介通常有四個主要功能像設定價格和清算價格那第二就是提供流動性以及即時性第三是溝通賣方和買方第四個就是保證和監控的質量\n\n17\n00:05:53,502 --> 00:06:07,542\n主委因為數位貨幣透過金融中介的這種方式達到使用的目的請問你目前整個國內行業中你認為哪些是適合從事金融中介的業務你認為呢\n\n18\n00:06:10,495 --> 00:06:31,715\n我想CBDC就是一種央行發行代表主權性質的通貨原則上如果用現鈔可以用的地方那當然希望CBDC都可以用但是我不曉得央行現在的規劃如何所以我沒辦法進一步跟您報告是不是容許我會後了解之後再跟您報告因為有學者一直認為說\n\n19\n00:06:33,016 --> 00:07:00,067\n國家數位貨幣由中央銀行來發行在金融電子化的時代下現金將會被取代那對民眾來說要做好市場買賣夜市小吃等等這些小額的支付店家不收現鈔的支付環境請問主委你認為在台灣CBDC以及其他支付的支付並存的情況下到底應該是數位貨幣\n\n20\n00:07:02,448 --> 00:07:22,562\n會全面取代現金還是採用多方式的貨幣支付的環境會比較可能?首先還是這是央行的整體的規劃,我不太了解他的規劃第二個,即會不談央行CPTC談我們現在金管會推的一個盡量降低現金使用的方案來講\n\n21\n00:07:23,462 --> 00:07:43,015\n並沒有說完全剝奪民眾就希望只是鼓勵大家多使用非現金的方式交易並沒有讓民眾使用現金的機會被剝奪我想這是應該是非常重要的因為很多弱勢的民眾他不見得習慣使用電子方式的交易還是要給他機會讓他能夠使用現金交易\n\n22\n00:07:44,275 --> 00:08:07,825\n因為目前央行這個定位數位貨幣的傾向立場金融中介機構在間接金融架構中扮演著資金樞紐的一個角色那透過金融中介的機構的運作可有效來降低整個資訊不對稱所引起的逆向選擇與道德風險的問題\n\n23\n00:08:11,757 --> 00:08:31,955\n解決資金流通的阻礙故在市場上大部分資金的通融均透過金融中介機構那我請問主委現在整個貨幣銀行的所有措施會一體適用在數位貨幣上嗎你的看法呢\n\n24\n00:08:34,796 --> 00:08:52,203\n這個還是央行的整個規劃我們沒有看到不過委員您剛才也提到了其實每個國家對CBDC都有不同的討論美國也有這方面的討論那有一派人也擔心使用電子央行數位貨幣之後是不是我的使用交易都被\n\n25\n00:08:53,924 --> 00:09:18,241\n被看到這個也許也有人顧慮那個主委啊例如說像數位貨幣有無銀行這個利息的產生啊要不要規範銀行的管理費用啊未來數位貨幣會不會與國際間的數位貨幣同步的接軌那制度如果不同你認為到底有沒有相互流通的可行方式有沒有\n\n26\n00:09:19,742 --> 00:09:38,243\n這個應該還是都要看我的了解央行還在規劃中目前真的我不太知道他具體的規劃實在沒有辦法跟委員報告我也希望說主委你這邊應該要多去深入多了解我們會在央行同意的範圍之內我們跟他多請教最後一個議題主委\n\n27\n00:09:39,645 --> 00:09:54,210\n美元升息新台幣貶值那保費收入衰退等三大不利啊讓授權這些資金持續的這個淨流出那今年十月中有八個月啊這個保險\n\n28\n00:09:56,992 --> 00:10:16,805\n總企戶大於保惠的收入累計淨流出1641億元續創史上同期的最大量我請問主委受險持續淨流出會不會發生市場流動性危機或風險會不會\n\n29\n00:10:18,526 --> 00:10:36,785\n您槌尋的問題非常重要,我在這邊跟您報告我想保險公司目前來講不會有流動性的問題流動性也不是用保費支出跟收入的缺合去算因為保險業本身就有很多上上有其他的流動性的資產可以隨時去運用的\n\n30\n00:10:37,245 --> 00:10:47,855\n目前是沒有而且我們會嚴格觀察整個的趨勢因為目前授權還是存在繼續淨流出的危機那我請問主委對於明年的整個狀況你怎麼看\n\n31\n00:10:50,424 --> 00:11:14,567\n我們在前兩個禮拜已經提升了相關保險商品的責任準備金利率應該有對於保費的降低有一定程度的影響所以這個部分可能也會提升明年對保險商品的買氣那你認為像這些授權業又要怎麼樣來解決淨流出的危機呢\n\n32\n00:11:15,919 --> 00:11:29,393\n我想就最好本身的流動性的管理然後在商品的銷售上面銷售更符合民眾需要然後符合接軌需要的商品這樣喔?好,謝謝謝謝委員指導,謝謝好,謝謝接下來請吳秉瑞委員上台質詢\n\n","tsv":"start\tend\ttext\n9017\t14819\t因為上個禮拜四財經公司112年度的金融資訊系統年會專題演講\n35100\t61889\t那央行的副總裁朱美麗這個表示數位貨幣CBDC可能會成為未來整個貨幣體系的核心那央行正審視評估探索發行數位貨幣的可能性那我請教黃主委你認為國內數位貨幣發行的可能性高或不高\n63939\t77043\t如果是央行的CBDC的話這個可能要尊重中央銀行的意見那個以央行目前的整個研究規劃速度啊 主委儘管會要無縫接軌這個數位貨幣發行後的相關業務你認為有沒有困難\n84242\t104404\t拜委員這個CBDC的發行國際間是有一些央行在處理但是國內的央行怎麼做目前來講我們沒有看到相關的規劃主委因為數位貨幣一旦推行你認為需不需要推廣這個擴大的普及率\n108198\t123088\t當然就是既然要用央行數位貨幣表示它是一個通貨當然希望能夠在不同的場域都能夠使用主委因為前行政院長陳聰也說預計2028年全世界主要先進國家\n124656\t148156\t都將使用CBDC他認為金管會包括央行數位部三大機關到目前為止人在互踢啤酒這是橫向聯繫的一個失靈淪為變成三個和尚美水喝那我請教主委你認為他說的是不是事實\n150496\t171861\t其實中央銀行對於數位央行貨幣的研究我的了解是一直在進行其實除了朱副總裁的報告之外前兩年楊總裁也有在其他的場合做過一些報告那我覺得這部分\n172682\t180618\t市快市慢我不願意做評論你認為我們應不應該要未雨綢繆就事前來做一些規劃\n183926\t212774\t報告委員其實CBDC各國其實也都討論到一些它的得失優劣那我覺得這個部分還是央行是主政單位為貨幣的發行我想監理機關這邊不能越主帶跑去替央行決定那我請教針對數位貨幣的推動今晚為目前的推動有沒有哪些工作的一些準備準備工作\n214707\t230626\t我們目前沒有 我承諾剛才跟委員報告的央行如果有規劃一個需要去配合的事項央行會特別跟我們做溝通目前並沒有這部分的具體的看到\n231147\t244866\t因為央行朱副總裁說金融數位化已經是不可逆如果未來決定導入數位貨幣應避免去金融中介化\n246516\t267408\t而且與其他的支付工具並存確保互通性並考慮它的效率性及支持創新那我請問主委請你說明國內導入數位貨幣與金融中介化之間到底有沒有什麼關聯性\n270151\t295439\t我不太了解這個論述後面的背景我還是要跟委員報告這個央行數位貨幣完全是貨幣的另外一種形式的發行這是屬於中央銀行的權責主委因為國內數位貨幣為什麼要有這個金融中介的必要性你有什麼看法\n297594\t311701\t我個人不太了解後面論述的意義是什麼因為金融中介是金融機構吸收社會大眾資金再開放給需要資金的企業跟個人\n313021\t331182\t那CBDC是屬於央行發行的代表政府主權性質的這個電子的貨幣我不太瞭解後面的論述是不是容我瞭解之後再跟您報告那我請教因為像國內整個環境適合哪種的模式這個\n334286\t351040\t這個來操作因為這個金融中介通常有四個主要功能像設定價格和清算價格那第二就是提供流動性以及即時性第三是溝通賣方和買方第四個就是保證和監控的質量\n353502\t367542\t主委因為數位貨幣透過金融中介的這種方式達到使用的目的請問你目前整個國內行業中你認為哪些是適合從事金融中介的業務你認為呢\n370495\t391715\t我想CBDC就是一種央行發行代表主權性質的通貨原則上如果用現鈔可以用的地方那當然希望CBDC都可以用但是我不曉得央行現在的規劃如何所以我沒辦法進一步跟您報告是不是容許我會後了解之後再跟您報告因為有學者一直認為說\n393016\t420067\t國家數位貨幣由中央銀行來發行在金融電子化的時代下現金將會被取代那對民眾來說要做好市場買賣夜市小吃等等這些小額的支付店家不收現鈔的支付環境請問主委你認為在台灣CBDC以及其他支付的支付並存的情況下到底應該是數位貨幣\n422448\t442562\t會全面取代現金還是採用多方式的貨幣支付的環境會比較可能?首先還是這是央行的整體的規劃,我不太了解他的規劃第二個,即會不談央行CPTC談我們現在金管會推的一個盡量降低現金使用的方案來講\n443462\t463015\t並沒有說完全剝奪民眾就希望只是鼓勵大家多使用非現金的方式交易並沒有讓民眾使用現金的機會被剝奪我想這是應該是非常重要的因為很多弱勢的民眾他不見得習慣使用電子方式的交易還是要給他機會讓他能夠使用現金交易\n464275\t487825\t因為目前央行這個定位數位貨幣的傾向立場金融中介機構在間接金融架構中扮演著資金樞紐的一個角色那透過金融中介的機構的運作可有效來降低整個資訊不對稱所引起的逆向選擇與道德風險的問題\n491757\t511955\t解決資金流通的阻礙故在市場上大部分資金的通融均透過金融中介機構那我請問主委現在整個貨幣銀行的所有措施會一體適用在數位貨幣上嗎你的看法呢\n514796\t532203\t這個還是央行的整個規劃我們沒有看到不過委員您剛才也提到了其實每個國家對CBDC都有不同的討論美國也有這方面的討論那有一派人也擔心使用電子央行數位貨幣之後是不是我的使用交易都被\n533924\t558241\t被看到這個也許也有人顧慮那個主委啊例如說像數位貨幣有無銀行這個利息的產生啊要不要規範銀行的管理費用啊未來數位貨幣會不會與國際間的數位貨幣同步的接軌那制度如果不同你認為到底有沒有相互流通的可行方式有沒有\n559742\t578243\t這個應該還是都要看我的了解央行還在規劃中目前真的我不太知道他具體的規劃實在沒有辦法跟委員報告我也希望說主委你這邊應該要多去深入多了解我們會在央行同意的範圍之內我們跟他多請教最後一個議題 主委\n579645\t594210\t美元升息新台幣貶值那保費收入衰退等三大不利啊讓授權這些資金持續的這個淨流出那今年十月中有八個月啊這個保險\n596992\t616805\t總企戶大於保惠的收入累計淨流出1641億元續創史上同期的最大量我請問主委受險持續淨流出會不會發生市場流動性危機或風險 會不會\n618526\t636785\t您槌尋的問題非常重要,我在這邊跟您報告我想保險公司目前來講不會有流動性的問題流動性也不是用保費支出跟收入的缺合去算因為保險業本身就有很多上上有其他的流動性的資產可以隨時去運用的\n637245\t647855\t目前是沒有 而且我們會嚴格觀察整個的趨勢因為目前授權還是存在繼續淨流出的危機那我請問主委對於明年的整個狀況你怎麼看\n650424\t674567\t我們在前兩個禮拜已經提升了相關保險商品的責任準備金利率應該有對於保費的降低有一定程度的影響所以這個部分可能也會提升明年對保險商品的買氣那你認為像這些授權業又要怎麼樣來解決淨流出的危機呢\n675919\t689393\t我想就最好本身的流動性的管理然後在商品的銷售上面銷售更符合民眾需要然後符合接軌需要的商品這樣喔?好,謝謝謝謝委員指導,謝謝好,謝謝接下來請吳秉瑞委員上台質詢\n","txt":"因為上個禮拜四財經公司112年度的金融資訊系統年會專題演講\n那央行的副總裁朱美麗這個表示數位貨幣CBDC可能會成為未來整個貨幣體系的核心那央行正審視評估探索發行數位貨幣的可能性那我請教黃主委你認為國內數位貨幣發行的可能性高或不高\n如果是央行的CBDC的話這個可能要尊重中央銀行的意見那個以央行目前的整個研究規劃速度啊 主委儘管會要無縫接軌這個數位貨幣發行後的相關業務你認為有沒有困難\n拜委員這個CBDC的發行國際間是有一些央行在處理但是國內的央行怎麼做目前來講我們沒有看到相關的規劃主委因為數位貨幣一旦推行你認為需不需要推廣這個擴大的普及率\n當然就是既然要用央行數位貨幣表示它是一個通貨當然希望能夠在不同的場域都能夠使用主委因為前行政院長陳聰也說預計2028年全世界主要先進國家\n都將使用CBDC他認為金管會包括央行數位部三大機關到目前為止人在互踢啤酒這是橫向聯繫的一個失靈淪為變成三個和尚美水喝那我請教主委你認為他說的是不是事實\n其實中央銀行對於數位央行貨幣的研究我的了解是一直在進行其實除了朱副總裁的報告之外前兩年楊總裁也有在其他的場合做過一些報告那我覺得這部分\n市快市慢我不願意做評論你認為我們應不應該要未雨綢繆就事前來做一些規劃\n報告委員其實CBDC各國其實也都討論到一些它的得失優劣那我覺得這個部分還是央行是主政單位為貨幣的發行我想監理機關這邊不能越主帶跑去替央行決定那我請教針對數位貨幣的推動今晚為目前的推動有沒有哪些工作的一些準備準備工作\n我們目前沒有 我承諾剛才跟委員報告的央行如果有規劃一個需要去配合的事項央行會特別跟我們做溝通目前並沒有這部分的具體的看到\n因為央行朱副總裁說金融數位化已經是不可逆如果未來決定導入數位貨幣應避免去金融中介化\n而且與其他的支付工具並存確保互通性並考慮它的效率性及支持創新那我請問主委請你說明國內導入數位貨幣與金融中介化之間到底有沒有什麼關聯性\n我不太了解這個論述後面的背景我還是要跟委員報告這個央行數位貨幣完全是貨幣的另外一種形式的發行這是屬於中央銀行的權責主委因為國內數位貨幣為什麼要有這個金融中介的必要性你有什麼看法\n我個人不太了解後面論述的意義是什麼因為金融中介是金融機構吸收社會大眾資金再開放給需要資金的企業跟個人\n那CBDC是屬於央行發行的代表政府主權性質的這個電子的貨幣我不太瞭解後面的論述是不是容我瞭解之後再跟您報告那我請教因為像國內整個環境適合哪種的模式這個\n這個來操作因為這個金融中介通常有四個主要功能像設定價格和清算價格那第二就是提供流動性以及即時性第三是溝通賣方和買方第四個就是保證和監控的質量\n主委因為數位貨幣透過金融中介的這種方式達到使用的目的請問你目前整個國內行業中你認為哪些是適合從事金融中介的業務你認為呢\n我想CBDC就是一種央行發行代表主權性質的通貨原則上如果用現鈔可以用的地方那當然希望CBDC都可以用但是我不曉得央行現在的規劃如何所以我沒辦法進一步跟您報告是不是容許我會後了解之後再跟您報告因為有學者一直認為說\n國家數位貨幣由中央銀行來發行在金融電子化的時代下現金將會被取代那對民眾來說要做好市場買賣夜市小吃等等這些小額的支付店家不收現鈔的支付環境請問主委你認為在台灣CBDC以及其他支付的支付並存的情況下到底應該是數位貨幣\n會全面取代現金還是採用多方式的貨幣支付的環境會比較可能?首先還是這是央行的整體的規劃,我不太了解他的規劃第二個,即會不談央行CPTC談我們現在金管會推的一個盡量降低現金使用的方案來講\n並沒有說完全剝奪民眾就希望只是鼓勵大家多使用非現金的方式交易並沒有讓民眾使用現金的機會被剝奪我想這是應該是非常重要的因為很多弱勢的民眾他不見得習慣使用電子方式的交易還是要給他機會讓他能夠使用現金交易\n因為目前央行這個定位數位貨幣的傾向立場金融中介機構在間接金融架構中扮演著資金樞紐的一個角色那透過金融中介的機構的運作可有效來降低整個資訊不對稱所引起的逆向選擇與道德風險的問題\n解決資金流通的阻礙故在市場上大部分資金的通融均透過金融中介機構那我請問主委現在整個貨幣銀行的所有措施會一體適用在數位貨幣上嗎你的看法呢\n這個還是央行的整個規劃我們沒有看到不過委員您剛才也提到了其實每個國家對CBDC都有不同的討論美國也有這方面的討論那有一派人也擔心使用電子央行數位貨幣之後是不是我的使用交易都被\n被看到這個也許也有人顧慮那個主委啊例如說像數位貨幣有無銀行這個利息的產生啊要不要規範銀行的管理費用啊未來數位貨幣會不會與國際間的數位貨幣同步的接軌那制度如果不同你認為到底有沒有相互流通的可行方式有沒有\n這個應該還是都要看我的了解央行還在規劃中目前真的我不太知道他具體的規劃實在沒有辦法跟委員報告我也希望說主委你這邊應該要多去深入多了解我們會在央行同意的範圍之內我們跟他多請教最後一個議題 主委\n美元升息新台幣貶值那保費收入衰退等三大不利啊讓授權這些資金持續的這個淨流出那今年十月中有八個月啊這個保險\n總企戶大於保惠的收入累計淨流出1641億元續創史上同期的最大量我請問主委受險持續淨流出會不會發生市場流動性危機或風險 會不會\n您槌尋的問題非常重要,我在這邊跟您報告我想保險公司目前來講不會有流動性的問題流動性也不是用保費支出跟收入的缺合去算因為保險業本身就有很多上上有其他的流動性的資產可以隨時去運用的\n目前是沒有 而且我們會嚴格觀察整個的趨勢因為目前授權還是存在繼續淨流出的危機那我請問主委對於明年的整個狀況你怎麼看\n我們在前兩個禮拜已經提升了相關保險商品的責任準備金利率應該有對於保費的降低有一定程度的影響所以這個部分可能也會提升明年對保險商品的買氣那你認為像這些授權業又要怎麼樣來解決淨流出的危機呢\n我想就最好本身的流動性的管理然後在商品的銷售上面銷售更符合民眾需要然後符合接軌需要的商品這樣喔?好,謝謝謝謝委員指導,謝謝好,謝謝接下來請吳秉瑞委員上台質詢\n","vtt":"WEBVTT\n\n00:09.017 --> 00:14.819\n因為上個禮拜四財經公司112年度的金融資訊系統年會專題演講\n\n00:35.100 --> 01:01.889\n那央行的副總裁朱美麗這個表示數位貨幣CBDC可能會成為未來整個貨幣體系的核心那央行正審視評估探索發行數位貨幣的可能性那我請教黃主委你認為國內數位貨幣發行的可能性高或不高\n\n01:03.939 --> 01:17.043\n如果是央行的CBDC的話這個可能要尊重中央銀行的意見那個以央行目前的整個研究規劃速度啊主委儘管會要無縫接軌這個數位貨幣發行後的相關業務你認為有沒有困難\n\n01:24.242 --> 01:44.404\n拜委員這個CBDC的發行國際間是有一些央行在處理但是國內的央行怎麼做目前來講我們沒有看到相關的規劃主委因為數位貨幣一旦推行你認為需不需要推廣這個擴大的普及率\n\n01:48.198 --> 02:03.088\n當然就是既然要用央行數位貨幣表示它是一個通貨當然希望能夠在不同的場域都能夠使用主委因為前行政院長陳聰也說預計2028年全世界主要先進國家\n\n02:04.656 --> 02:28.156\n都將使用CBDC他認為金管會包括央行數位部三大機關到目前為止人在互踢啤酒這是橫向聯繫的一個失靈淪為變成三個和尚美水喝那我請教主委你認為他說的是不是事實\n\n02:30.496 --> 02:51.861\n其實中央銀行對於數位央行貨幣的研究我的了解是一直在進行其實除了朱副總裁的報告之外前兩年楊總裁也有在其他的場合做過一些報告那我覺得這部分\n\n02:52.682 --> 03:00.618\n市快市慢我不願意做評論你認為我們應不應該要未雨綢繆就事前來做一些規劃\n\n03:03.926 --> 03:32.774\n報告委員其實CBDC各國其實也都討論到一些它的得失優劣那我覺得這個部分還是央行是主政單位為貨幣的發行我想監理機關這邊不能越主帶跑去替央行決定那我請教針對數位貨幣的推動今晚為目前的推動有沒有哪些工作的一些準備準備工作\n\n03:34.707 --> 03:50.626\n我們目前沒有我承諾剛才跟委員報告的央行如果有規劃一個需要去配合的事項央行會特別跟我們做溝通目前並沒有這部分的具體的看到\n\n03:51.147 --> 04:04.866\n因為央行朱副總裁說金融數位化已經是不可逆如果未來決定導入數位貨幣應避免去金融中介化\n\n04:06.516 --> 04:27.408\n而且與其他的支付工具並存確保互通性並考慮它的效率性及支持創新那我請問主委請你說明國內導入數位貨幣與金融中介化之間到底有沒有什麼關聯性\n\n04:30.151 --> 04:55.439\n我不太了解這個論述後面的背景我還是要跟委員報告這個央行數位貨幣完全是貨幣的另外一種形式的發行這是屬於中央銀行的權責主委因為國內數位貨幣為什麼要有這個金融中介的必要性你有什麼看法\n\n04:57.594 --> 05:11.701\n我個人不太了解後面論述的意義是什麼因為金融中介是金融機構吸收社會大眾資金再開放給需要資金的企業跟個人\n\n05:13.021 --> 05:31.182\n那CBDC是屬於央行發行的代表政府主權性質的這個電子的貨幣我不太瞭解後面的論述是不是容我瞭解之後再跟您報告那我請教因為像國內整個環境適合哪種的模式這個\n\n05:34.286 --> 05:51.040\n這個來操作因為這個金融中介通常有四個主要功能像設定價格和清算價格那第二就是提供流動性以及即時性第三是溝通賣方和買方第四個就是保證和監控的質量\n\n05:53.502 --> 06:07.542\n主委因為數位貨幣透過金融中介的這種方式達到使用的目的請問你目前整個國內行業中你認為哪些是適合從事金融中介的業務你認為呢\n\n06:10.495 --> 06:31.715\n我想CBDC就是一種央行發行代表主權性質的通貨原則上如果用現鈔可以用的地方那當然希望CBDC都可以用但是我不曉得央行現在的規劃如何所以我沒辦法進一步跟您報告是不是容許我會後了解之後再跟您報告因為有學者一直認為說\n\n06:33.016 --> 07:00.067\n國家數位貨幣由中央銀行來發行在金融電子化的時代下現金將會被取代那對民眾來說要做好市場買賣夜市小吃等等這些小額的支付店家不收現鈔的支付環境請問主委你認為在台灣CBDC以及其他支付的支付並存的情況下到底應該是數位貨幣\n\n07:02.448 --> 07:22.562\n會全面取代現金還是採用多方式的貨幣支付的環境會比較可能?首先還是這是央行的整體的規劃,我不太了解他的規劃第二個,即會不談央行CPTC談我們現在金管會推的一個盡量降低現金使用的方案來講\n\n07:23.462 --> 07:43.015\n並沒有說完全剝奪民眾就希望只是鼓勵大家多使用非現金的方式交易並沒有讓民眾使用現金的機會被剝奪我想這是應該是非常重要的因為很多弱勢的民眾他不見得習慣使用電子方式的交易還是要給他機會讓他能夠使用現金交易\n\n07:44.275 --> 08:07.825\n因為目前央行這個定位數位貨幣的傾向立場金融中介機構在間接金融架構中扮演著資金樞紐的一個角色那透過金融中介的機構的運作可有效來降低整個資訊不對稱所引起的逆向選擇與道德風險的問題\n\n08:11.757 --> 08:31.955\n解決資金流通的阻礙故在市場上大部分資金的通融均透過金融中介機構那我請問主委現在整個貨幣銀行的所有措施會一體適用在數位貨幣上嗎你的看法呢\n\n08:34.796 --> 08:52.203\n這個還是央行的整個規劃我們沒有看到不過委員您剛才也提到了其實每個國家對CBDC都有不同的討論美國也有這方面的討論那有一派人也擔心使用電子央行數位貨幣之後是不是我的使用交易都被\n\n08:53.924 --> 09:18.241\n被看到這個也許也有人顧慮那個主委啊例如說像數位貨幣有無銀行這個利息的產生啊要不要規範銀行的管理費用啊未來數位貨幣會不會與國際間的數位貨幣同步的接軌那制度如果不同你認為到底有沒有相互流通的可行方式有沒有\n\n09:19.742 --> 09:38.243\n這個應該還是都要看我的了解央行還在規劃中目前真的我不太知道他具體的規劃實在沒有辦法跟委員報告我也希望說主委你這邊應該要多去深入多了解我們會在央行同意的範圍之內我們跟他多請教最後一個議題主委\n\n09:39.645 --> 09:54.210\n美元升息新台幣貶值那保費收入衰退等三大不利啊讓授權這些資金持續的這個淨流出那今年十月中有八個月啊這個保險\n\n09:56.992 --> 10:16.805\n總企戶大於保惠的收入累計淨流出1641億元續創史上同期的最大量我請問主委受險持續淨流出會不會發生市場流動性危機或風險會不會\n\n10:18.526 --> 10:36.785\n您槌尋的問題非常重要,我在這邊跟您報告我想保險公司目前來講不會有流動性的問題流動性也不是用保費支出跟收入的缺合去算因為保險業本身就有很多上上有其他的流動性的資產可以隨時去運用的\n\n10:37.245 --> 10:47.855\n目前是沒有而且我們會嚴格觀察整個的趨勢因為目前授權還是存在繼續淨流出的危機那我請問主委對於明年的整個狀況你怎麼看\n\n10:50.424 --> 11:14.567\n我們在前兩個禮拜已經提升了相關保險商品的責任準備金利率應該有對於保費的降低有一定程度的影響所以這個部分可能也會提升明年對保險商品的買氣那你認為像這些授權業又要怎麼樣來解決淨流出的危機呢\n\n11:15.919 --> 11:29.393\n我想就最好本身的流動性的管理然後在商品的銷售上面銷售更符合民眾需要然後符合接軌需要的商品這樣喔?好,謝謝謝謝委員指導,謝謝好,謝謝接下來請吳秉瑞委員上台質詢\n\n","segments":[{"start":9.017,"end":14.819,"text":"因為上個禮拜四財經公司112年度的金融資訊系統年會專題演講"},{"start":35.1,"end":61.889,"text":"那央行的副總裁朱美麗這個表示數位貨幣CBDC可能會成為未來整個貨幣體系的核心那央行正審視評估探索發行數位貨幣的可能性那我請教黃主委你認為國內數位貨幣發行的可能性高或不高"},{"start":63.939,"end":77.043,"text":"如果是央行的CBDC的話這個可能要尊重中央銀行的意見那個以央行目前的整個研究規劃速度啊 主委儘管會要無縫接軌這個數位貨幣發行後的相關業務你認為有沒有困難"},{"start":84.242,"end":104.404,"text":"拜委員這個CBDC的發行國際間是有一些央行在處理但是國內的央行怎麼做目前來講我們沒有看到相關的規劃主委因為數位貨幣一旦推行你認為需不需要推廣這個擴大的普及率"},{"start":108.198,"end":123.088,"text":"當然就是既然要用央行數位貨幣表示它是一個通貨當然希望能夠在不同的場域都能夠使用主委因為前行政院長陳聰也說預計2028年全世界主要先進國家"},{"start":124.656,"end":148.156,"text":"都將使用CBDC他認為金管會包括央行數位部三大機關到目前為止人在互踢啤酒這是橫向聯繫的一個失靈淪為變成三個和尚美水喝那我請教主委你認為他說的是不是事實"},{"start":150.496,"end":171.861,"text":"其實中央銀行對於數位央行貨幣的研究我的了解是一直在進行其實除了朱副總裁的報告之外前兩年楊總裁也有在其他的場合做過一些報告那我覺得這部分"},{"start":172.682,"end":180.618,"text":"市快市慢我不願意做評論你認為我們應不應該要未雨綢繆就事前來做一些規劃"},{"start":183.926,"end":212.774,"text":"報告委員其實CBDC各國其實也都討論到一些它的得失優劣那我覺得這個部分還是央行是主政單位為貨幣的發行我想監理機關這邊不能越主帶跑去替央行決定那我請教針對數位貨幣的推動今晚為目前的推動有沒有哪些工作的一些準備準備工作"},{"start":214.707,"end":230.626,"text":"我們目前沒有 我承諾剛才跟委員報告的央行如果有規劃一個需要去配合的事項央行會特別跟我們做溝通目前並沒有這部分的具體的看到"},{"start":231.147,"end":244.866,"text":"因為央行朱副總裁說金融數位化已經是不可逆如果未來決定導入數位貨幣應避免去金融中介化"},{"start":246.516,"end":267.408,"text":"而且與其他的支付工具並存確保互通性並考慮它的效率性及支持創新那我請問主委請你說明國內導入數位貨幣與金融中介化之間到底有沒有什麼關聯性"},{"start":270.151,"end":295.439,"text":"我不太了解這個論述後面的背景我還是要跟委員報告這個央行數位貨幣完全是貨幣的另外一種形式的發行這是屬於中央銀行的權責主委因為國內數位貨幣為什麼要有這個金融中介的必要性你有什麼看法"},{"start":297.594,"end":311.701,"text":"我個人不太了解後面論述的意義是什麼因為金融中介是金融機構吸收社會大眾資金再開放給需要資金的企業跟個人"},{"start":313.021,"end":331.182,"text":"那CBDC是屬於央行發行的代表政府主權性質的這個電子的貨幣我不太瞭解後面的論述是不是容我瞭解之後再跟您報告那我請教因為像國內整個環境適合哪種的模式這個"},{"start":334.286,"end":351.04,"text":"這個來操作因為這個金融中介通常有四個主要功能像設定價格和清算價格那第二就是提供流動性以及即時性第三是溝通賣方和買方第四個就是保證和監控的質量"},{"start":353.502,"end":367.542,"text":"主委因為數位貨幣透過金融中介的這種方式達到使用的目的請問你目前整個國內行業中你認為哪些是適合從事金融中介的業務你認為呢"},{"start":370.495,"end":391.715,"text":"我想CBDC就是一種央行發行代表主權性質的通貨原則上如果用現鈔可以用的地方那當然希望CBDC都可以用但是我不曉得央行現在的規劃如何所以我沒辦法進一步跟您報告是不是容許我會後了解之後再跟您報告因為有學者一直認為說"},{"start":393.016,"end":420.067,"text":"國家數位貨幣由中央銀行來發行在金融電子化的時代下現金將會被取代那對民眾來說要做好市場買賣夜市小吃等等這些小額的支付店家不收現鈔的支付環境請問主委你認為在台灣CBDC以及其他支付的支付並存的情況下到底應該是數位貨幣"},{"start":422.448,"end":442.562,"text":"會全面取代現金還是採用多方式的貨幣支付的環境會比較可能?首先還是這是央行的整體的規劃,我不太了解他的規劃第二個,即會不談央行CPTC談我們現在金管會推的一個盡量降低現金使用的方案來講"},{"start":443.462,"end":463.015,"text":"並沒有說完全剝奪民眾就希望只是鼓勵大家多使用非現金的方式交易並沒有讓民眾使用現金的機會被剝奪我想這是應該是非常重要的因為很多弱勢的民眾他不見得習慣使用電子方式的交易還是要給他機會讓他能夠使用現金交易"},{"start":464.275,"end":487.825,"text":"因為目前央行這個定位數位貨幣的傾向立場金融中介機構在間接金融架構中扮演著資金樞紐的一個角色那透過金融中介的機構的運作可有效來降低整個資訊不對稱所引起的逆向選擇與道德風險的問題"},{"start":491.757,"end":511.955,"text":"解決資金流通的阻礙故在市場上大部分資金的通融均透過金融中介機構那我請問主委現在整個貨幣銀行的所有措施會一體適用在數位貨幣上嗎你的看法呢"},{"start":514.796,"end":532.203,"text":"這個還是央行的整個規劃我們沒有看到不過委員您剛才也提到了其實每個國家對CBDC都有不同的討論美國也有這方面的討論那有一派人也擔心使用電子央行數位貨幣之後是不是我的使用交易都被"},{"start":533.924,"end":558.241,"text":"被看到這個也許也有人顧慮那個主委啊例如說像數位貨幣有無銀行這個利息的產生啊要不要規範銀行的管理費用啊未來數位貨幣會不會與國際間的數位貨幣同步的接軌那制度如果不同你認為到底有沒有相互流通的可行方式有沒有"},{"start":559.742,"end":578.243,"text":"這個應該還是都要看我的了解央行還在規劃中目前真的我不太知道他具體的規劃實在沒有辦法跟委員報告我也希望說主委你這邊應該要多去深入多了解我們會在央行同意的範圍之內我們跟他多請教最後一個議題 主委"},{"start":579.645,"end":594.21,"text":"美元升息新台幣貶值那保費收入衰退等三大不利啊讓授權這些資金持續的這個淨流出那今年十月中有八個月啊這個保險"},{"start":596.992,"end":616.805,"text":"總企戶大於保惠的收入累計淨流出1641億元續創史上同期的最大量我請問主委受險持續淨流出會不會發生市場流動性危機或風險 會不會"},{"start":618.526,"end":636.785,"text":"您槌尋的問題非常重要,我在這邊跟您報告我想保險公司目前來講不會有流動性的問題流動性也不是用保費支出跟收入的缺合去算因為保險業本身就有很多上上有其他的流動性的資產可以隨時去運用的"},{"start":637.245,"end":647.855,"text":"目前是沒有 而且我們會嚴格觀察整個的趨勢因為目前授權還是存在繼續淨流出的危機那我請問主委對於明年的整個狀況你怎麼看"},{"start":650.424,"end":674.567,"text":"我們在前兩個禮拜已經提升了相關保險商品的責任準備金利率應該有對於保費的降低有一定程度的影響所以這個部分可能也會提升明年對保險商品的買氣那你認為像這些授權業又要怎麼樣來解決淨流出的危機呢"},{"start":675.919,"end":689.393,"text":"我想就最好本身的流動性的管理然後在商品的銷售上面銷售更符合民眾需要然後符合接軌需要的商品這樣喔?好,謝謝謝謝委員指導,謝謝好,謝謝接下來請吳秉瑞委員上台質詢"}]}}}}