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661.275, \"score\": 0.0}, {\"word\": \"請\"}], \"language\": \"zh\"}","srt":"1\n00:00:01,490 --> 00:00:15,820\n虛擬資產業者這個虛擬幣的交易所在申請執照只剩下7天今天的新聞是說只有4家業者我們公告的23家裡面有4家業者提出申請總共申請了10家是嗎\n\n2\n00:00:16,740 --> 00:00:38,781\n現在就是以前做洗房聲明的大概就是如同報紙上寫的就是有4家來申請登記制所以其他的都會來申請吧其他據我們所知我們探尋的結果其他他們會盡量在3月30號以前提出因為最後的緩衝期是3月31號我想從主委上任我們就非常關心這件事情既然要納管就應該要把遊戲規則公告得很清楚\n\n3\n00:00:39,261 --> 00:01:04,729\n第二个我们希望所有在这里交易的业者都能够落地台湾能够纳入管理因为大部分台湾的民众还是像非常非常多的所谓的境外业者在做交易这些目前为止没有一家外国业者来你觉得原因是什么现在当然有外国业者有跟我们有在问申请了没他们有来做报告跟说明是所以\n\n4\n00:01:05,816 --> 00:01:23,852\n主委我想你跟我的想法一樣我們都希望這些業者能夠盡快落地盡快納管盡快完成我們金管會未來要定的專法是嗎就是我們對這個的思考就是一定是以保護我們台灣的交易\n\n5\n00:01:24,853 --> 00:01:49,120\n接下去剩下七天我想政協局還是應該更積極努力啦因為這些業者其實都在觀望還有在看看你的相關的成何程序那我所知道的是1月9號就有三家來申請請問到現在有核准了嗎現在我們是不是還沒嗎1月9號兩個月行政程序法兩個月你們都不處理嗎還是要等到全部的時間過了再來處理\n\n6\n00:01:51,190 --> 00:02:01,686\n這部分因為我們可以緩衝到九月啦那這部分的話我們會按照行政程序法的審核時程該補件該回信會在那時時程之內跟他們說明遊戲規則清楚然後理由問題\n\n7\n00:02:06,272 --> 00:02:21,500\n如果哪些問題一次告訴人家不要這樣退不見退不見然後永遠不會永遠不會成功啦我覺得重點是你到底要不要管你要管就認真的管人家願意來給你管我覺得也應該好好的來把他納管\n\n8\n00:02:22,500 --> 00:02:41,272\n所以所有只要國人在使用的我們都希望他在台灣能夠來登記至少可以由政府來納管對民眾也比較有保障這是雙向的啦就是民眾也希望說我們能夠好好的來管理那不是他想我們就要給他這個部分一定是互相的他如果不合規當然不能給\n\n9\n00:02:42,313 --> 00:03:10,724\n第二個就是接下去這個專法裡面我看到你們的草案都已經出來那我們也正在研擬相關的對岸重點是接下去的我上次有質詢了央行總裁其實在所有的相關的交易上面我們都非常重要的就是美國川普總統已經把虛擬貨幣當成國家的戰略儲備表示他有一定的市場價值跟他的所謂的政府認可許可的地位那\n\n10\n00:03:11,684 --> 00:03:25,632\n如果我們的虛擬資產業者交易平台也納入管理將來它就如同我們現在很多很多的金管會所轄下的這些相關的我們監管的這些單位來說它也可能必須要有所謂的法幣的儲備以及虛幣的儲備\n\n11\n00:03:28,554 --> 00:03:56,057\n但是法幣在銀行有存保公司可以互相保障但是虛幣現在還沒上路接下去虛幣它畢竟要讓所有的人對這個交易平台有所信心就像我們現在之前發生很多所謂的吸金啊很多的這些會員卡啊都必須要去信託錢然後甚至要有一些保障銀行旅遊保證那接下去我想問一下這些虛擬\n\n12\n00:03:57,398 --> 00:04:14,197\n交易平台他的虛幣有沒有要做儲備的相關規範就是委員指的應該是講那個安全網的建設我們傳統的金融市場因為他跟不特定的大眾吸收這些的資金所以他會有一個像\n\n13\n00:04:16,615 --> 00:04:40,891\n因為虛幣現在沒有一個所謂的市場定位但是至少某個程度美國政府他已經把某些虛幣當成虛幣儲備的一些方式了我是認為說接下來我們既然要開專法讓這些平台業者上路我們可能要未雨綢繆萬一將來有一家不小心像以前的銀行倒掉\n\n14\n00:04:42,503 --> 00:05:00,635\n然後消費者求助無門那個時候才成立了存保公司當然我是希望主委在現在這些業者正要進來正要管理我們現在預防他將來可能的儲備不足的情況我們該怎麼辦是就比如說我們現在對冷熱錢包的比重\n\n15\n00:05:01,773 --> 00:05:17,251\n還有像比如說未來要不要提成保證金是還有就是說未來有沒有類似這樣所以這都是遊戲規則嘛人家都要看你的遊戲規則才決定要不要進來給你管嘛那你的遊戲規則都還訂不清楚就叫人家來登記然後現在還搞不清楚所以當然很多業者還不來登記\n\n16\n00:05:18,592 --> 00:05:46,251\n登記制跟未來的專法那種還是不一樣我同意他們前面都還是以洗錢防治為主體他也不是因為登記制就成為我們的所管轄的金融機構或是機構但是未來主委這一天總會來的而且就在不久的將來可能就會面對到第三個接下去有非常多的業者他可能已經開始上路了民眾看到你今晚會公告了他非常的相信就去交易了然後發生問題了\n\n17\n00:05:48,012 --> 00:06:17,012\n這個問題我們目前還沒有解放我現在只是提醒你既然有登記民眾就會相信當民眾相信之後我們就有責任當然這個隨著政府介入的程度越深相對的就是我們負擔的責任就越大所以有關儲備的部分我也請央行跟金管會我覺得我們要把國際上認定的一些相關的目前的基準可能大家來討論一下當然尤其是國家把虛幣已經變成戰略儲備它可能將來對我們台灣也會有一定的影響\n\n18\n00:06:17,312 --> 00:06:20,574\n主委知道我們現在正在做所謂反歧視法的修正方案\n\n19\n00:06:41,907 --> 00:07:08,598\n抱歉委員我對這個比較不清楚沒關係因為反歧視法其實是民法的特別法也就是在這個各個領域裡面都希望能夠推動所謂的反歧視那其實金融保險跟相關的你們所轄管的部分也必須要統籌到底有多少反歧視這邊最明顯的例子我現在就講給主委聽大概就是保險比如說汽車險強制險女生\n\n20\n00:07:11,820 --> 00:07:18,733\n年紀永遠都比男生的費率低所以你看到所有的民眾家裡的車子都登記給女生\n\n21\n00:07:19,724 --> 00:07:45,048\n因為他可以交比較低的保費所以這就是一種反歧視法必須要去面對的第二個部分單一費率你這個要去檢討第二個是目前的都保在車主身上沒有保在駕駛身上所以駕駛開了媽媽的車出去撞了人他其實也不會影響他自己也不會影響到保費我們會朝這個方向來處理\n\n22\n00:07:48,169 --> 00:08:06,994\n第三個其實歧視還有另外一塊比較嚴重的很多商業保險甚至受險女生的保費會比較高因為女生活得比較久女生比較不會從事危險的行業但是在反歧視裡面其實應該是就個人的部分來做認定而不是性別你同意嗎\n\n23\n00:08:07,967 --> 00:08:20,813\n我想保險比較複雜不同的地方像比如說歐洲他們是因為基於這個考慮但是風險的部分我們是完全忠實反映風險的話這比較不涉及所以在反歧視上面我希望\n\n24\n00:08:21,991 --> 00:08:36,040\n主委從今天開始知道的話其實有非常多民團已經來陳情尤其是類似現在有一些跨性別他如果去服用了一些荷爾蒙的藥物然後他去投保的話保險公司會拒保因為他認為他可能將來會有身體上的風險\n\n25\n00:08:38,922 --> 00:09:07,219\n這個對他們來說的確是有一定的這個新的事由我們一向都會來來審慎助理因為本來保險是一個長期的合約沒錯中間很多會變化這個我們都會一直都會面臨到類似的問題所以我要針對幾樣人幾個人第一個跨性變成第二個身心障礙者身心障礙者其實都會被受到一定的限制或影響甚至適用比較高的費率那還有高齡者上次有一些里長有些地方政府要幫林長保團保\n\n26\n00:09:08,760 --> 00:09:23,992\n領長都年紀比較大所以連團保都保不到那最後我要說像我主委現在看到我是一個很健康的人當我十年前生過病即使我現在已經完成一日北高跟跑完半馬我還是保不到任何險\n\n27\n00:09:25,658 --> 00:09:41,558\n尤其是類似只要是健康他只要去調病例他就說你曾經生過病所以你這輩子都買不到保險主委這也是一種歧視這個是未來整個保險發展的趨勢過去我們是以過去決定未來我們現在希望未來決定未來\n\n28\n00:09:42,239 --> 00:10:08,178\n就是這個計費或是整個經營邏輯的改變我可以說既然有反歧視法的這樣的一個正當性在開始去檢視不管是汽車強制險還是一般的受險甚至剛剛講的這些特殊的人他的健康險可能都需要做一些相對的討論而且可能要正視他們的權益你可以說他比較高的保費而不是讓他完全沒有保障是的\n\n29\n00:10:09,740 --> 00:10:25,301\n這個我想我非常認同因為環境在變整個保險也要因應整個環境改變而且第二個你買的是未來的安全其實你過去生過病它是會好的可是我們的好的部分沒有保險公司會認為你好了\n\n30\n00:10:25,781 --> 00:10:50,752\n對我們慢慢會從損害填補變成損害預防兼顧的方式來做所以我希望金管會是不是在半年之內沒有很多沒有很久身心障礙跨性別跟高齡這幾樣的投保狀況做個討論做個檢討第二個是不是能夠跟保險業者來就這個部分就主委所說的我們怎麼樣用未來保障未來\n\n31\n00:10:51,612 --> 00:11:01,275\n對確實普惠跟公平代課我們會來努力啦半年之內希望看到你的初步報告好嗎好沒問題謝謝謝謝委員指正好謝謝黃珊珊委員接著我們請羅明財委員主席各位初列是官員大號主席可不可以請\n\n","tsv":"start\tend\ttext\n1490\t15820\t虛擬資產業者這個虛擬幣的交易所在申請執照只剩下7天今天的新聞是說只有4家業者我們公告的23家裡面有4家業者提出申請總共申請了10家是嗎\n16740\t38781\t現在就是以前做洗房聲明的大概就是如同報紙上寫的就是有4家來申請登記制所以其他的都會來申請吧其他據我們所知我們探尋的結果其他他們會盡量在3月30號以前提出因為最後的緩衝期是3月31號我想從主委上任我們就非常關心這件事情既然要納管就應該要把遊戲規則公告得很清楚\n39261\t64729\t第二个我们希望所有在这里交易的业者都能够落地台湾能够纳入管理因为大部分台湾的民众还是像非常非常多的所谓的境外业者在做交易这些目前为止没有一家外国业者来你觉得原因是什么现在当然有外国业者有跟我们有在问申请了没他们有来做报告跟说明是所以\n65816\t83852\t主委我想你跟我的想法一樣我們都希望這些業者能夠盡快落地盡快納管盡快完成我們金管會未來要定的專法是嗎就是我們對這個的思考就是一定是以保護我們台灣的交易\n84853\t109120\t接下去剩下七天我想政協局還是應該更積極努力啦因為這些業者其實都在觀望還有在看看你的相關的成何程序那我所知道的是1月9號就有三家來申請請問到現在有核准了嗎現在我們是不是還沒嗎1月9號兩個月行政程序法兩個月你們都不處理嗎還是要等到全部的時間過了再來處理\n111190\t121686\t這部分因為我們可以緩衝到九月啦那這部分的話我們會按照行政程序法的審核時程該補件該回信會在那時時程之內跟他們說明遊戲規則清楚然後理由問題\n126272\t141500\t如果哪些問題一次告訴人家不要這樣退不見退不見然後永遠不會永遠不會成功啦我覺得重點是你到底要不要管你要管就認真的管人家願意來給你管我覺得也應該好好的來把他納管\n142500\t161272\t所以所有只要國人在使用的我們都希望他在台灣能夠來登記至少可以由政府來納管對民眾也比較有保障這是雙向的啦就是民眾也希望說我們能夠好好的來管理那不是他想我們就要給他這個部分一定是互相的他如果不合規當然不能給\n162313\t190724\t第二個就是接下去這個專法裡面我看到你們的草案都已經出來那我們也正在研擬相關的對岸重點是接下去的我上次有質詢了央行總裁其實在所有的相關的交易上面我們都非常重要的就是美國川普總統已經把虛擬貨幣當成國家的戰略儲備表示他有一定的市場價值跟他的所謂的政府認可許可的地位那\n191684\t205632\t如果我們的虛擬資產業者交易平台也納入管理將來它就如同我們現在很多很多的金管會所轄下的這些相關的我們監管的這些單位來說它也可能必須要有所謂的法幣的儲備以及虛幣的儲備\n208554\t236057\t但是法幣在銀行有存保公司可以互相保障但是虛幣現在還沒上路接下去虛幣它畢竟要讓所有的人對這個交易平台有所信心就像我們現在之前發生很多所謂的吸金啊很多的這些會員卡啊都必須要去信託錢然後甚至要有一些保障銀行旅遊保證那接下去我想問一下這些虛擬\n237398\t254197\t交易平台他的虛幣有沒有要做儲備的相關規範就是委員指的應該是講那個安全網的建設我們傳統的金融市場因為他跟不特定的大眾吸收這些的資金所以他會有一個像\n256615\t280891\t因為虛幣現在沒有一個所謂的市場定位但是至少某個程度美國政府他已經把某些虛幣當成虛幣儲備的一些方式了我是認為說接下來我們既然要開專法讓這些平台業者上路我們可能要未雨綢繆萬一將來有一家不小心像以前的銀行倒掉\n282503\t300635\t然後消費者求助無門那個時候才成立了存保公司當然我是希望主委在現在這些業者正要進來正要管理我們現在預防他將來可能的儲備不足的情況我們該怎麼辦是就比如說我們現在對冷熱錢包的比重\n301773\t317251\t還有像比如說未來要不要提成保證金是還有就是說未來有沒有類似這樣所以這都是遊戲規則嘛人家都要看你的遊戲規則才決定要不要進來給你管嘛那你的遊戲規則都還訂不清楚就叫人家來登記然後現在還搞不清楚所以當然很多業者還不來登記\n318592\t346251\t登記制跟未來的專法那種還是不一樣我同意他們前面都還是以洗錢防治為主體他也不是因為登記制就成為我們的所管轄的金融機構或是機構但是未來主委這一天總會來的而且就在不久的將來可能就會面對到第三個接下去有非常多的業者他可能已經開始上路了民眾看到你今晚會公告了他非常的相信就去交易了然後發生問題了\n348012\t377012\t這個問題我們目前還沒有解放我現在只是提醒你既然有登記民眾就會相信當民眾相信之後我們就有責任當然這個隨著政府介入的程度越深相對的就是我們負擔的責任就越大所以有關儲備的部分我也請央行跟金管會我覺得我們要把國際上認定的一些相關的目前的基準可能大家來討論一下當然尤其是國家把虛幣已經變成戰略儲備它可能將來對我們台灣也會有一定的影響\n377312\t380574\t主委知道我們現在正在做所謂反歧視法的修正方案\n401907\t428598\t抱歉委員我對這個比較不清楚沒關係因為反歧視法其實是民法的特別法也就是在這個各個領域裡面都希望能夠推動所謂的反歧視那其實金融保險跟相關的你們所轄管的部分也必須要統籌到底有多少反歧視這邊最明顯的例子我現在就講給主委聽大概就是保險比如說汽車險強制險女生\n431820\t438733\t年紀永遠都比男生的費率低所以你看到所有的民眾家裡的車子都登記給女生\n439724\t465048\t因為他可以交比較低的保費所以這就是一種反歧視法必須要去面對的第二個部分單一費率你這個要去檢討第二個是目前的都保在車主身上沒有保在駕駛身上所以駕駛開了媽媽的車出去撞了人他其實也不會影響他自己也不會影響到保費我們會朝這個方向來處理\n468169\t486994\t第三個其實歧視還有另外一塊比較嚴重的很多商業保險甚至受險女生的保費會比較高因為女生活得比較久女生比較不會從事危險的行業但是在反歧視裡面其實應該是就個人的部分來做認定而不是性別你同意嗎\n487967\t500813\t我想保險比較複雜不同的地方像比如說歐洲他們是因為基於這個考慮但是風險的部分我們是完全忠實反映風險的話這比較不涉及所以在反歧視上面我希望\n501991\t516040\t主委從今天開始知道的話其實有非常多民團已經來陳情尤其是類似現在有一些跨性別他如果去服用了一些荷爾蒙的藥物然後他去投保的話保險公司會拒保因為他認為他可能將來會有身體上的風險\n518922\t547219\t這個對他們來說的確是有一定的這個新的事由我們一向都會來來審慎助理因為本來保險是一個長期的合約沒錯中間很多會變化這個我們都會一直都會面臨到類似的問題所以我要針對幾樣人幾個人第一個跨性變成第二個身心障礙者身心障礙者其實都會被受到一定的限制或影響甚至適用比較高的費率那還有高齡者上次有一些里長有些地方政府要幫林長保團保\n548760\t563992\t領長都年紀比較大所以連團保都保不到那最後我要說像我主委現在看到我是一個很健康的人當我十年前生過病即使我現在已經完成一日北高跟跑完半馬我還是保不到任何險\n565658\t581558\t尤其是類似只要是健康他只要去調病例他就說你曾經生過病所以你這輩子都買不到保險主委這也是一種歧視這個是未來整個保險發展的趨勢過去我們是以過去決定未來我們現在希望未來決定未來\n582239\t608178\t就是這個計費或是整個經營邏輯的改變我可以說既然有反歧視法的這樣的一個正當性在開始去檢視不管是汽車強制險還是一般的受險甚至剛剛講的這些特殊的人他的健康險可能都需要做一些相對的討論而且可能要正視他們的權益你可以說他比較高的保費而不是讓他完全沒有保障是的\n609740\t625301\t這個我想我非常認同因為環境在變整個保險也要因應整個環境改變而且第二個你買的是未來的安全其實你過去生過病它是會好的可是我們的好的部分沒有保險公司會認為你好了\n625781\t650752\t對我們慢慢會從損害填補變成損害預防兼顧的方式來做所以我希望金管會是不是在半年之內沒有很多沒有很久身心障礙跨性別跟高齡這幾樣的投保狀況做個討論做個檢討第二個是不是能夠跟保險業者來就這個部分就主委所說的我們怎麼樣用未來保障未來\n651612\t661275\t對 確實普惠跟公平代課我們會來努力啦半年之內希望看到你的初步報告 好嗎好 沒問題 謝謝 謝謝委員指正好 謝謝黃珊珊委員接著我們請羅明財委員主席各位 初列是官員大號 主席可不可以請\n","txt":"虛擬資產業者這個虛擬幣的交易所在申請執照只剩下7天今天的新聞是說只有4家業者我們公告的23家裡面有4家業者提出申請總共申請了10家是嗎\n現在就是以前做洗房聲明的大概就是如同報紙上寫的就是有4家來申請登記制所以其他的都會來申請吧其他據我們所知我們探尋的結果其他他們會盡量在3月30號以前提出因為最後的緩衝期是3月31號我想從主委上任我們就非常關心這件事情既然要納管就應該要把遊戲規則公告得很清楚\n第二个我们希望所有在这里交易的业者都能够落地台湾能够纳入管理因为大部分台湾的民众还是像非常非常多的所谓的境外业者在做交易这些目前为止没有一家外国业者来你觉得原因是什么现在当然有外国业者有跟我们有在问申请了没他们有来做报告跟说明是所以\n主委我想你跟我的想法一樣我們都希望這些業者能夠盡快落地盡快納管盡快完成我們金管會未來要定的專法是嗎就是我們對這個的思考就是一定是以保護我們台灣的交易\n接下去剩下七天我想政協局還是應該更積極努力啦因為這些業者其實都在觀望還有在看看你的相關的成何程序那我所知道的是1月9號就有三家來申請請問到現在有核准了嗎現在我們是不是還沒嗎1月9號兩個月行政程序法兩個月你們都不處理嗎還是要等到全部的時間過了再來處理\n這部分因為我們可以緩衝到九月啦那這部分的話我們會按照行政程序法的審核時程該補件該回信會在那時時程之內跟他們說明遊戲規則清楚然後理由問題\n如果哪些問題一次告訴人家不要這樣退不見退不見然後永遠不會永遠不會成功啦我覺得重點是你到底要不要管你要管就認真的管人家願意來給你管我覺得也應該好好的來把他納管\n所以所有只要國人在使用的我們都希望他在台灣能夠來登記至少可以由政府來納管對民眾也比較有保障這是雙向的啦就是民眾也希望說我們能夠好好的來管理那不是他想我們就要給他這個部分一定是互相的他如果不合規當然不能給\n第二個就是接下去這個專法裡面我看到你們的草案都已經出來那我們也正在研擬相關的對岸重點是接下去的我上次有質詢了央行總裁其實在所有的相關的交易上面我們都非常重要的就是美國川普總統已經把虛擬貨幣當成國家的戰略儲備表示他有一定的市場價值跟他的所謂的政府認可許可的地位那\n如果我們的虛擬資產業者交易平台也納入管理將來它就如同我們現在很多很多的金管會所轄下的這些相關的我們監管的這些單位來說它也可能必須要有所謂的法幣的儲備以及虛幣的儲備\n但是法幣在銀行有存保公司可以互相保障但是虛幣現在還沒上路接下去虛幣它畢竟要讓所有的人對這個交易平台有所信心就像我們現在之前發生很多所謂的吸金啊很多的這些會員卡啊都必須要去信託錢然後甚至要有一些保障銀行旅遊保證那接下去我想問一下這些虛擬\n交易平台他的虛幣有沒有要做儲備的相關規範就是委員指的應該是講那個安全網的建設我們傳統的金融市場因為他跟不特定的大眾吸收這些的資金所以他會有一個像\n因為虛幣現在沒有一個所謂的市場定位但是至少某個程度美國政府他已經把某些虛幣當成虛幣儲備的一些方式了我是認為說接下來我們既然要開專法讓這些平台業者上路我們可能要未雨綢繆萬一將來有一家不小心像以前的銀行倒掉\n然後消費者求助無門那個時候才成立了存保公司當然我是希望主委在現在這些業者正要進來正要管理我們現在預防他將來可能的儲備不足的情況我們該怎麼辦是就比如說我們現在對冷熱錢包的比重\n還有像比如說未來要不要提成保證金是還有就是說未來有沒有類似這樣所以這都是遊戲規則嘛人家都要看你的遊戲規則才決定要不要進來給你管嘛那你的遊戲規則都還訂不清楚就叫人家來登記然後現在還搞不清楚所以當然很多業者還不來登記\n登記制跟未來的專法那種還是不一樣我同意他們前面都還是以洗錢防治為主體他也不是因為登記制就成為我們的所管轄的金融機構或是機構但是未來主委這一天總會來的而且就在不久的將來可能就會面對到第三個接下去有非常多的業者他可能已經開始上路了民眾看到你今晚會公告了他非常的相信就去交易了然後發生問題了\n這個問題我們目前還沒有解放我現在只是提醒你既然有登記民眾就會相信當民眾相信之後我們就有責任當然這個隨著政府介入的程度越深相對的就是我們負擔的責任就越大所以有關儲備的部分我也請央行跟金管會我覺得我們要把國際上認定的一些相關的目前的基準可能大家來討論一下當然尤其是國家把虛幣已經變成戰略儲備它可能將來對我們台灣也會有一定的影響\n主委知道我們現在正在做所謂反歧視法的修正方案\n抱歉委員我對這個比較不清楚沒關係因為反歧視法其實是民法的特別法也就是在這個各個領域裡面都希望能夠推動所謂的反歧視那其實金融保險跟相關的你們所轄管的部分也必須要統籌到底有多少反歧視這邊最明顯的例子我現在就講給主委聽大概就是保險比如說汽車險強制險女生\n年紀永遠都比男生的費率低所以你看到所有的民眾家裡的車子都登記給女生\n因為他可以交比較低的保費所以這就是一種反歧視法必須要去面對的第二個部分單一費率你這個要去檢討第二個是目前的都保在車主身上沒有保在駕駛身上所以駕駛開了媽媽的車出去撞了人他其實也不會影響他自己也不會影響到保費我們會朝這個方向來處理\n第三個其實歧視還有另外一塊比較嚴重的很多商業保險甚至受險女生的保費會比較高因為女生活得比較久女生比較不會從事危險的行業但是在反歧視裡面其實應該是就個人的部分來做認定而不是性別你同意嗎\n我想保險比較複雜不同的地方像比如說歐洲他們是因為基於這個考慮但是風險的部分我們是完全忠實反映風險的話這比較不涉及所以在反歧視上面我希望\n主委從今天開始知道的話其實有非常多民團已經來陳情尤其是類似現在有一些跨性別他如果去服用了一些荷爾蒙的藥物然後他去投保的話保險公司會拒保因為他認為他可能將來會有身體上的風險\n這個對他們來說的確是有一定的這個新的事由我們一向都會來來審慎助理因為本來保險是一個長期的合約沒錯中間很多會變化這個我們都會一直都會面臨到類似的問題所以我要針對幾樣人幾個人第一個跨性變成第二個身心障礙者身心障礙者其實都會被受到一定的限制或影響甚至適用比較高的費率那還有高齡者上次有一些里長有些地方政府要幫林長保團保\n領長都年紀比較大所以連團保都保不到那最後我要說像我主委現在看到我是一個很健康的人當我十年前生過病即使我現在已經完成一日北高跟跑完半馬我還是保不到任何險\n尤其是類似只要是健康他只要去調病例他就說你曾經生過病所以你這輩子都買不到保險主委這也是一種歧視這個是未來整個保險發展的趨勢過去我們是以過去決定未來我們現在希望未來決定未來\n就是這個計費或是整個經營邏輯的改變我可以說既然有反歧視法的這樣的一個正當性在開始去檢視不管是汽車強制險還是一般的受險甚至剛剛講的這些特殊的人他的健康險可能都需要做一些相對的討論而且可能要正視他們的權益你可以說他比較高的保費而不是讓他完全沒有保障是的\n這個我想我非常認同因為環境在變整個保險也要因應整個環境改變而且第二個你買的是未來的安全其實你過去生過病它是會好的可是我們的好的部分沒有保險公司會認為你好了\n對我們慢慢會從損害填補變成損害預防兼顧的方式來做所以我希望金管會是不是在半年之內沒有很多沒有很久身心障礙跨性別跟高齡這幾樣的投保狀況做個討論做個檢討第二個是不是能夠跟保險業者來就這個部分就主委所說的我們怎麼樣用未來保障未來\n對 確實普惠跟公平代課我們會來努力啦半年之內希望看到你的初步報告 好嗎好 沒問題 謝謝 謝謝委員指正好 謝謝黃珊珊委員接著我們請羅明財委員主席各位 初列是官員大號 主席可不可以請\n","vtt":"WEBVTT\n\n00:01.490 --> 00:15.820\n虛擬資產業者這個虛擬幣的交易所在申請執照只剩下7天今天的新聞是說只有4家業者我們公告的23家裡面有4家業者提出申請總共申請了10家是嗎\n\n00:16.740 --> 00:38.781\n現在就是以前做洗房聲明的大概就是如同報紙上寫的就是有4家來申請登記制所以其他的都會來申請吧其他據我們所知我們探尋的結果其他他們會盡量在3月30號以前提出因為最後的緩衝期是3月31號我想從主委上任我們就非常關心這件事情既然要納管就應該要把遊戲規則公告得很清楚\n\n00:39.261 --> 01:04.729\n第二个我们希望所有在这里交易的业者都能够落地台湾能够纳入管理因为大部分台湾的民众还是像非常非常多的所谓的境外业者在做交易这些目前为止没有一家外国业者来你觉得原因是什么现在当然有外国业者有跟我们有在问申请了没他们有来做报告跟说明是所以\n\n01:05.816 --> 01:23.852\n主委我想你跟我的想法一樣我們都希望這些業者能夠盡快落地盡快納管盡快完成我們金管會未來要定的專法是嗎就是我們對這個的思考就是一定是以保護我們台灣的交易\n\n01:24.853 --> 01:49.120\n接下去剩下七天我想政協局還是應該更積極努力啦因為這些業者其實都在觀望還有在看看你的相關的成何程序那我所知道的是1月9號就有三家來申請請問到現在有核准了嗎現在我們是不是還沒嗎1月9號兩個月行政程序法兩個月你們都不處理嗎還是要等到全部的時間過了再來處理\n\n01:51.190 --> 02:01.686\n這部分因為我們可以緩衝到九月啦那這部分的話我們會按照行政程序法的審核時程該補件該回信會在那時時程之內跟他們說明遊戲規則清楚然後理由問題\n\n02:06.272 --> 02:21.500\n如果哪些問題一次告訴人家不要這樣退不見退不見然後永遠不會永遠不會成功啦我覺得重點是你到底要不要管你要管就認真的管人家願意來給你管我覺得也應該好好的來把他納管\n\n02:22.500 --> 02:41.272\n所以所有只要國人在使用的我們都希望他在台灣能夠來登記至少可以由政府來納管對民眾也比較有保障這是雙向的啦就是民眾也希望說我們能夠好好的來管理那不是他想我們就要給他這個部分一定是互相的他如果不合規當然不能給\n\n02:42.313 --> 03:10.724\n第二個就是接下去這個專法裡面我看到你們的草案都已經出來那我們也正在研擬相關的對岸重點是接下去的我上次有質詢了央行總裁其實在所有的相關的交易上面我們都非常重要的就是美國川普總統已經把虛擬貨幣當成國家的戰略儲備表示他有一定的市場價值跟他的所謂的政府認可許可的地位那\n\n03:11.684 --> 03:25.632\n如果我們的虛擬資產業者交易平台也納入管理將來它就如同我們現在很多很多的金管會所轄下的這些相關的我們監管的這些單位來說它也可能必須要有所謂的法幣的儲備以及虛幣的儲備\n\n03:28.554 --> 03:56.057\n但是法幣在銀行有存保公司可以互相保障但是虛幣現在還沒上路接下去虛幣它畢竟要讓所有的人對這個交易平台有所信心就像我們現在之前發生很多所謂的吸金啊很多的這些會員卡啊都必須要去信託錢然後甚至要有一些保障銀行旅遊保證那接下去我想問一下這些虛擬\n\n03:57.398 --> 04:14.197\n交易平台他的虛幣有沒有要做儲備的相關規範就是委員指的應該是講那個安全網的建設我們傳統的金融市場因為他跟不特定的大眾吸收這些的資金所以他會有一個像\n\n04:16.615 --> 04:40.891\n因為虛幣現在沒有一個所謂的市場定位但是至少某個程度美國政府他已經把某些虛幣當成虛幣儲備的一些方式了我是認為說接下來我們既然要開專法讓這些平台業者上路我們可能要未雨綢繆萬一將來有一家不小心像以前的銀行倒掉\n\n04:42.503 --> 05:00.635\n然後消費者求助無門那個時候才成立了存保公司當然我是希望主委在現在這些業者正要進來正要管理我們現在預防他將來可能的儲備不足的情況我們該怎麼辦是就比如說我們現在對冷熱錢包的比重\n\n05:01.773 --> 05:17.251\n還有像比如說未來要不要提成保證金是還有就是說未來有沒有類似這樣所以這都是遊戲規則嘛人家都要看你的遊戲規則才決定要不要進來給你管嘛那你的遊戲規則都還訂不清楚就叫人家來登記然後現在還搞不清楚所以當然很多業者還不來登記\n\n05:18.592 --> 05:46.251\n登記制跟未來的專法那種還是不一樣我同意他們前面都還是以洗錢防治為主體他也不是因為登記制就成為我們的所管轄的金融機構或是機構但是未來主委這一天總會來的而且就在不久的將來可能就會面對到第三個接下去有非常多的業者他可能已經開始上路了民眾看到你今晚會公告了他非常的相信就去交易了然後發生問題了\n\n05:48.012 --> 06:17.012\n這個問題我們目前還沒有解放我現在只是提醒你既然有登記民眾就會相信當民眾相信之後我們就有責任當然這個隨著政府介入的程度越深相對的就是我們負擔的責任就越大所以有關儲備的部分我也請央行跟金管會我覺得我們要把國際上認定的一些相關的目前的基準可能大家來討論一下當然尤其是國家把虛幣已經變成戰略儲備它可能將來對我們台灣也會有一定的影響\n\n06:17.312 --> 06:20.574\n主委知道我們現在正在做所謂反歧視法的修正方案\n\n06:41.907 --> 07:08.598\n抱歉委員我對這個比較不清楚沒關係因為反歧視法其實是民法的特別法也就是在這個各個領域裡面都希望能夠推動所謂的反歧視那其實金融保險跟相關的你們所轄管的部分也必須要統籌到底有多少反歧視這邊最明顯的例子我現在就講給主委聽大概就是保險比如說汽車險強制險女生\n\n07:11.820 --> 07:18.733\n年紀永遠都比男生的費率低所以你看到所有的民眾家裡的車子都登記給女生\n\n07:19.724 --> 07:45.048\n因為他可以交比較低的保費所以這就是一種反歧視法必須要去面對的第二個部分單一費率你這個要去檢討第二個是目前的都保在車主身上沒有保在駕駛身上所以駕駛開了媽媽的車出去撞了人他其實也不會影響他自己也不會影響到保費我們會朝這個方向來處理\n\n07:48.169 --> 08:06.994\n第三個其實歧視還有另外一塊比較嚴重的很多商業保險甚至受險女生的保費會比較高因為女生活得比較久女生比較不會從事危險的行業但是在反歧視裡面其實應該是就個人的部分來做認定而不是性別你同意嗎\n\n08:07.967 --> 08:20.813\n我想保險比較複雜不同的地方像比如說歐洲他們是因為基於這個考慮但是風險的部分我們是完全忠實反映風險的話這比較不涉及所以在反歧視上面我希望\n\n08:21.991 --> 08:36.040\n主委從今天開始知道的話其實有非常多民團已經來陳情尤其是類似現在有一些跨性別他如果去服用了一些荷爾蒙的藥物然後他去投保的話保險公司會拒保因為他認為他可能將來會有身體上的風險\n\n08:38.922 --> 09:07.219\n這個對他們來說的確是有一定的這個新的事由我們一向都會來來審慎助理因為本來保險是一個長期的合約沒錯中間很多會變化這個我們都會一直都會面臨到類似的問題所以我要針對幾樣人幾個人第一個跨性變成第二個身心障礙者身心障礙者其實都會被受到一定的限制或影響甚至適用比較高的費率那還有高齡者上次有一些里長有些地方政府要幫林長保團保\n\n09:08.760 --> 09:23.992\n領長都年紀比較大所以連團保都保不到那最後我要說像我主委現在看到我是一個很健康的人當我十年前生過病即使我現在已經完成一日北高跟跑完半馬我還是保不到任何險\n\n09:25.658 --> 09:41.558\n尤其是類似只要是健康他只要去調病例他就說你曾經生過病所以你這輩子都買不到保險主委這也是一種歧視這個是未來整個保險發展的趨勢過去我們是以過去決定未來我們現在希望未來決定未來\n\n09:42.239 --> 10:08.178\n就是這個計費或是整個經營邏輯的改變我可以說既然有反歧視法的這樣的一個正當性在開始去檢視不管是汽車強制險還是一般的受險甚至剛剛講的這些特殊的人他的健康險可能都需要做一些相對的討論而且可能要正視他們的權益你可以說他比較高的保費而不是讓他完全沒有保障是的\n\n10:09.740 --> 10:25.301\n這個我想我非常認同因為環境在變整個保險也要因應整個環境改變而且第二個你買的是未來的安全其實你過去生過病它是會好的可是我們的好的部分沒有保險公司會認為你好了\n\n10:25.781 --> 10:50.752\n對我們慢慢會從損害填補變成損害預防兼顧的方式來做所以我希望金管會是不是在半年之內沒有很多沒有很久身心障礙跨性別跟高齡這幾樣的投保狀況做個討論做個檢討第二個是不是能夠跟保險業者來就這個部分就主委所說的我們怎麼樣用未來保障未來\n\n10:51.612 --> 11:01.275\n對確實普惠跟公平代課我們會來努力啦半年之內希望看到你的初步報告好嗎好沒問題謝謝謝謝委員指正好謝謝黃珊珊委員接著我們請羅明財委員主席各位初列是官員大號主席可不可以請\n\n","segments":[{"start":1.49,"end":15.82,"text":"虛擬資產業者這個虛擬幣的交易所在申請執照只剩下7天今天的新聞是說只有4家業者我們公告的23家裡面有4家業者提出申請總共申請了10家是嗎"},{"start":16.74,"end":38.781,"text":"現在就是以前做洗房聲明的大概就是如同報紙上寫的就是有4家來申請登記制所以其他的都會來申請吧其他據我們所知我們探尋的結果其他他們會盡量在3月30號以前提出因為最後的緩衝期是3月31號我想從主委上任我們就非常關心這件事情既然要納管就應該要把遊戲規則公告得很清楚"},{"start":39.261,"end":64.729,"text":"第二个我们希望所有在这里交易的业者都能够落地台湾能够纳入管理因为大部分台湾的民众还是像非常非常多的所谓的境外业者在做交易这些目前为止没有一家外国业者来你觉得原因是什么现在当然有外国业者有跟我们有在问申请了没他们有来做报告跟说明是所以"},{"start":65.816,"end":83.852,"text":"主委我想你跟我的想法一樣我們都希望這些業者能夠盡快落地盡快納管盡快完成我們金管會未來要定的專法是嗎就是我們對這個的思考就是一定是以保護我們台灣的交易"},{"start":84.853,"end":109.12,"text":"接下去剩下七天我想政協局還是應該更積極努力啦因為這些業者其實都在觀望還有在看看你的相關的成何程序那我所知道的是1月9號就有三家來申請請問到現在有核准了嗎現在我們是不是還沒嗎1月9號兩個月行政程序法兩個月你們都不處理嗎還是要等到全部的時間過了再來處理"},{"start":111.19,"end":121.686,"text":"這部分因為我們可以緩衝到九月啦那這部分的話我們會按照行政程序法的審核時程該補件該回信會在那時時程之內跟他們說明遊戲規則清楚然後理由問題"},{"start":126.272,"end":141.5,"text":"如果哪些問題一次告訴人家不要這樣退不見退不見然後永遠不會永遠不會成功啦我覺得重點是你到底要不要管你要管就認真的管人家願意來給你管我覺得也應該好好的來把他納管"},{"start":142.5,"end":161.272,"text":"所以所有只要國人在使用的我們都希望他在台灣能夠來登記至少可以由政府來納管對民眾也比較有保障這是雙向的啦就是民眾也希望說我們能夠好好的來管理那不是他想我們就要給他這個部分一定是互相的他如果不合規當然不能給"},{"start":162.313,"end":190.724,"text":"第二個就是接下去這個專法裡面我看到你們的草案都已經出來那我們也正在研擬相關的對岸重點是接下去的我上次有質詢了央行總裁其實在所有的相關的交易上面我們都非常重要的就是美國川普總統已經把虛擬貨幣當成國家的戰略儲備表示他有一定的市場價值跟他的所謂的政府認可許可的地位那"},{"start":191.684,"end":205.632,"text":"如果我們的虛擬資產業者交易平台也納入管理將來它就如同我們現在很多很多的金管會所轄下的這些相關的我們監管的這些單位來說它也可能必須要有所謂的法幣的儲備以及虛幣的儲備"},{"start":208.554,"end":236.057,"text":"但是法幣在銀行有存保公司可以互相保障但是虛幣現在還沒上路接下去虛幣它畢竟要讓所有的人對這個交易平台有所信心就像我們現在之前發生很多所謂的吸金啊很多的這些會員卡啊都必須要去信託錢然後甚至要有一些保障銀行旅遊保證那接下去我想問一下這些虛擬"},{"start":237.398,"end":254.197,"text":"交易平台他的虛幣有沒有要做儲備的相關規範就是委員指的應該是講那個安全網的建設我們傳統的金融市場因為他跟不特定的大眾吸收這些的資金所以他會有一個像"},{"start":256.615,"end":280.891,"text":"因為虛幣現在沒有一個所謂的市場定位但是至少某個程度美國政府他已經把某些虛幣當成虛幣儲備的一些方式了我是認為說接下來我們既然要開專法讓這些平台業者上路我們可能要未雨綢繆萬一將來有一家不小心像以前的銀行倒掉"},{"start":282.503,"end":300.635,"text":"然後消費者求助無門那個時候才成立了存保公司當然我是希望主委在現在這些業者正要進來正要管理我們現在預防他將來可能的儲備不足的情況我們該怎麼辦是就比如說我們現在對冷熱錢包的比重"},{"start":301.773,"end":317.251,"text":"還有像比如說未來要不要提成保證金是還有就是說未來有沒有類似這樣所以這都是遊戲規則嘛人家都要看你的遊戲規則才決定要不要進來給你管嘛那你的遊戲規則都還訂不清楚就叫人家來登記然後現在還搞不清楚所以當然很多業者還不來登記"},{"start":318.592,"end":346.251,"text":"登記制跟未來的專法那種還是不一樣我同意他們前面都還是以洗錢防治為主體他也不是因為登記制就成為我們的所管轄的金融機構或是機構但是未來主委這一天總會來的而且就在不久的將來可能就會面對到第三個接下去有非常多的業者他可能已經開始上路了民眾看到你今晚會公告了他非常的相信就去交易了然後發生問題了"},{"start":348.012,"end":377.012,"text":"這個問題我們目前還沒有解放我現在只是提醒你既然有登記民眾就會相信當民眾相信之後我們就有責任當然這個隨著政府介入的程度越深相對的就是我們負擔的責任就越大所以有關儲備的部分我也請央行跟金管會我覺得我們要把國際上認定的一些相關的目前的基準可能大家來討論一下當然尤其是國家把虛幣已經變成戰略儲備它可能將來對我們台灣也會有一定的影響"},{"start":377.312,"end":380.574,"text":"主委知道我們現在正在做所謂反歧視法的修正方案"},{"start":401.907,"end":428.598,"text":"抱歉委員我對這個比較不清楚沒關係因為反歧視法其實是民法的特別法也就是在這個各個領域裡面都希望能夠推動所謂的反歧視那其實金融保險跟相關的你們所轄管的部分也必須要統籌到底有多少反歧視這邊最明顯的例子我現在就講給主委聽大概就是保險比如說汽車險強制險女生"},{"start":431.82,"end":438.733,"text":"年紀永遠都比男生的費率低所以你看到所有的民眾家裡的車子都登記給女生"},{"start":439.724,"end":465.048,"text":"因為他可以交比較低的保費所以這就是一種反歧視法必須要去面對的第二個部分單一費率你這個要去檢討第二個是目前的都保在車主身上沒有保在駕駛身上所以駕駛開了媽媽的車出去撞了人他其實也不會影響他自己也不會影響到保費我們會朝這個方向來處理"},{"start":468.169,"end":486.994,"text":"第三個其實歧視還有另外一塊比較嚴重的很多商業保險甚至受險女生的保費會比較高因為女生活得比較久女生比較不會從事危險的行業但是在反歧視裡面其實應該是就個人的部分來做認定而不是性別你同意嗎"},{"start":487.967,"end":500.813,"text":"我想保險比較複雜不同的地方像比如說歐洲他們是因為基於這個考慮但是風險的部分我們是完全忠實反映風險的話這比較不涉及所以在反歧視上面我希望"},{"start":501.991,"end":516.04,"text":"主委從今天開始知道的話其實有非常多民團已經來陳情尤其是類似現在有一些跨性別他如果去服用了一些荷爾蒙的藥物然後他去投保的話保險公司會拒保因為他認為他可能將來會有身體上的風險"},{"start":518.922,"end":547.219,"text":"這個對他們來說的確是有一定的這個新的事由我們一向都會來來審慎助理因為本來保險是一個長期的合約沒錯中間很多會變化這個我們都會一直都會面臨到類似的問題所以我要針對幾樣人幾個人第一個跨性變成第二個身心障礙者身心障礙者其實都會被受到一定的限制或影響甚至適用比較高的費率那還有高齡者上次有一些里長有些地方政府要幫林長保團保"},{"start":548.76,"end":563.992,"text":"領長都年紀比較大所以連團保都保不到那最後我要說像我主委現在看到我是一個很健康的人當我十年前生過病即使我現在已經完成一日北高跟跑完半馬我還是保不到任何險"},{"start":565.658,"end":581.558,"text":"尤其是類似只要是健康他只要去調病例他就說你曾經生過病所以你這輩子都買不到保險主委這也是一種歧視這個是未來整個保險發展的趨勢過去我們是以過去決定未來我們現在希望未來決定未來"},{"start":582.239,"end":608.178,"text":"就是這個計費或是整個經營邏輯的改變我可以說既然有反歧視法的這樣的一個正當性在開始去檢視不管是汽車強制險還是一般的受險甚至剛剛講的這些特殊的人他的健康險可能都需要做一些相對的討論而且可能要正視他們的權益你可以說他比較高的保費而不是讓他完全沒有保障是的"},{"start":609.74,"end":625.301,"text":"這個我想我非常認同因為環境在變整個保險也要因應整個環境改變而且第二個你買的是未來的安全其實你過去生過病它是會好的可是我們的好的部分沒有保險公司會認為你好了"},{"start":625.781,"end":650.752,"text":"對我們慢慢會從損害填補變成損害預防兼顧的方式來做所以我希望金管會是不是在半年之內沒有很多沒有很久身心障礙跨性別跟高齡這幾樣的投保狀況做個討論做個檢討第二個是不是能夠跟保險業者來就這個部分就主委所說的我們怎麼樣用未來保障未來"},{"start":651.612,"end":661.275,"text":"對 確實普惠跟公平代課我們會來努力啦半年之內希望看到你的初步報告 好嗎好 沒問題 謝謝 謝謝委員指正好 謝謝黃珊珊委員接著我們請羅明財委員主席各位 初列是官員大號 主席可不可以請"}]}}},"gazette":{"lineno":740,"blocks":[["黃委員珊珊：（11時16分）謝謝主席，我請彭主委。"],["主席：請彭主委。"],["彭主任委員金隆：委員好。"],["黃委員珊珊：主委早。我們都很關心虛擬資產業者，虛擬幣交易所申請執照只剩下7天。"],["彭主任委員金隆：對。"],["黃委員珊珊：今天的新聞說，只有公告的23家裡面有4家業者提出申請，總共申請了10家，是嗎？"],["彭主任委員金隆：是的，現在就是針對以前做洗防聲明的，大概就是如同報紙上寫的，有4家來申請登記。"],["黃委員珊珊：所以其他的都會來申請吧？"],["彭主任委員金隆：據我們所知及探詢的結果，其他他們會儘量在3月30號以前提出，因為最後的緩衝期是3月31號。"],["黃委員珊珊：從主委上任以來，我們就非常關心這件事情，既然要納管，就應該要把遊戲規則公告得很清楚。第二個，我們希望所有在這裡交易的業者都能夠落地臺灣，能夠納入管理，因為大部分臺灣的民眾還是向非常非常多的境外業者在做交易，目前為止沒有一家外國業者來，你覺得原因是什麼？"],["彭主任委員金隆：現在當然有外國業者跟我們提出……"],["黃委員珊珊：有在問？"],["彭主任委員金隆：對。"],["黃委員珊珊：申請了沒？還沒？"],["彭主任委員金隆：他們有來做報告跟說明。"],["黃委員珊珊：是，所以我想主委你跟我的想法一樣，我們都希望這些業者能夠儘快落地、儘快納管，儘快完成金管會未來要訂的專法，是嗎？"],["彭主任委員金隆：我們對於這個的思考一定是以保護我們臺灣的交易……"],["黃委員珊珊：是的，所以接下來剩下7天，我想證期局還是應該要更積極努力，因為這些業者其實都在觀望，也在看你們的相關審核程序。我所知道的是，1月9號就有3家來申請，請問到現在有核准了嗎？"],["彭主任委員金隆：現在我們是不是……還沒。"],["黃委員珊珊：1月9號至今兩個月，依照行政程序法，兩個月你們都不處理嗎？還是要等到全部時間都過了再來處理？"],["彭主任委員金隆：關於這部分，因為我們可以緩衝到9月，我們會按照行政程序法的審核時程，該補件、該回信會按照時程請他們說明。"],["黃委員珊珊：主委，我就講，遊戲規則清楚，然後理由、問題……如果有哪些問題請一次告訴人家，不要這樣退補件、退補件，然後永遠不會成功啦！我覺得重點是你到底要不要管，你要管就認真的管，人家願意來給你管，我覺得也應該好好的來把他們納管……"],["彭主任委員金隆：對，當然……"],["黃委員珊珊：所有只要是國人在使用的，我們都希望他能夠在臺灣登記，至少可以由政府來納管，對民眾也比較有保障。"],["彭主任委員金隆：這是雙向的，民眾也希望我們能夠好好的來管理。"],["黃委員珊珊：是。"],["彭主任委員金隆：不是他想我們就要給他，這個部分是互相的。"],["黃委員珊珊：當然，他如果不合規，當然不能……"],["彭主任委員金隆：是的。"],["黃委員珊珊：第二個，就是接下來在這個專法裡面，我看到你們的草案都已經出來，我們也正在研擬相關的對案，重點是接下來的部分，我上次有質詢了央行總裁，其實在所有的相關交易上，非常重要的就是美國川普總統已經把虛擬貨幣當成國家的戰略儲備……"],["彭主任委員金隆：對。"],["黃委員珊珊：表示它有一定的市場價值跟政府認可、許可的地位，如果我們的虛擬資產業者交易平臺也納入管理，將來它就如同現在很多很多金管會轄下的這些相關監管單位，它也可能必須要有所謂法幣的儲備，以及虛幣的儲備……"],["彭主任委員金隆：是。"],["黃委員珊珊：但是法幣在銀行有存保公司可以互相保障，但是虛幣現在還沒上路，虛幣畢竟要讓所有的人對交易平臺有信心，就像之前發生很多的吸金、會員卡，都必須要去信託，甚至要有一些保障、銀行履約保證，我想問一下，虛擬交易平臺的虛幣，有沒有要做儲備的規範？"],["彭主任委員金隆：委員應該是講SafetyNet安全網的建置，傳統金融市場，因為它跟不特定的大眾吸收這些的資金，所以會像銀行有存保……"],["黃委員珊珊：因為虛幣現在沒有市場定位，至少某個程度，美國政府已經把某些虛幣當成虛幣儲備的方式，我是認為，既然要開專法讓這些平臺業者上路，我們要未雨綢繆，萬一將來有一家不小心，像以前的銀行倒掉，消費者求助無門，那個時候才成立存保公司……"],["彭主任委員金隆：當然。"],["黃委員珊珊：我希望主委，這些業者正要進來，正要管理，我們就要預防它將來可能儲備不足的情況，我們該怎麼辦？"],["彭主任委員金隆：比如我們現在對冷熱錢包的比重、未來要不要提存保證金。"],["黃委員珊珊：是。"],["彭主任委員金隆：未來有沒有類似……"],["黃委員珊珊：所以這都是遊戲規則，人家都要看你的遊戲規則，才決定要不要進來給你管，你的遊戲規則都還訂不清楚，就叫人家來登記，現在還搞不清楚，當然很多業者還不來登記。"],["彭主任委員金隆：沒有，跟委員報告，登記制跟未來的專法不一樣。"],["黃委員珊珊：我同意，但是……"],["彭主任委員金隆：前面都還是以洗錢防制為主體，它不是因為登記制就成為我們管轄的金融機構或是機構……"],["黃委員珊珊：主委，這一天總會來的，而且就在不久的將來可能就會面對到。","第三個，接下來有非常多的業者可能已經開始上路了，民眾看到金管會公告，他非常的相信就去交易，然後發生問題，這個問題我們目前還沒有解方，我現在只是提醒你，既然有登記，民眾就會相信，當民眾相信之後，我們就有責任。"],["彭主任委員金隆：當然，隨著政府介入的程度越深，相對的我們的責任就越大。"],["黃委員珊珊：有關儲備的部分，我有請央行跟金管會，我們要把國際上認定目前的基準，大家來討論一下，尤其是國家把虛幣已經變成戰略儲備，將來對臺灣也會有一定的影響。"],["彭主任委員金隆：我們朝這個方向來努力，接下來雖然預告了，但是我們會有……"],["黃委員珊珊：主委不是努力，它一定會來的，只是什麼時候到。"],["彭主任委員金隆：我們接下來會有20場的公聽，希望廣泛蒐集各界的意見。"],["黃委員珊珊：金管會要預先做好準備。第二個問題，主委知道我們正在做反歧視法的修正方案嗎？"],["彭主任委員金隆：抱歉委員，我對這個比較不清楚。"],["黃委員珊珊：沒關係，因為反歧視法其實是民法的特別法，也就是各個領域裡面，都希望能推動反歧視，其實金融保險跟你們所轄管的部分也必須要統籌，到底有多少反歧視？最明顯的例子，我現在就講給主委聽，大概就是保險，比如汽車險、強制險，女生年紀，永遠都比男生的費率低，所以你看到所有的民眾，家裡的車子都登記給女生，因為可以交比較低的保費。"],["彭主任委員金隆：報告委員，這個我們會未來會把它變成單一費率。"],["黃委員珊珊：這就是一種反歧視法必須要去面對的。單一費率要去檢討。","第二個，目前都保在車主身上，沒有保在駕駛身上，所以駕駛開了媽媽的車出去撞了人，其實也不會影響他自己，也不會影響到保費。"],["彭主任委員金隆：這個部分行政院有指示，我們會朝這個方向來處理。"],["黃委員珊珊：第三個，歧視還有另外一塊比較嚴重的，很多商業保險，甚至壽險，女生的保費比較高，因為女生活得比較久。"],["彭主任委員金隆：健康險有部分是這樣。"],["黃委員珊珊：女生比較不會從事危險的行業，但是反歧視裡面，其實應該就個人的部分來做認定，而不是性別，你同意嗎？"],["彭主任委員金隆：我想保險比較複雜不同的地方，比如說歐洲因為基於這個考慮，但是風險的部分，我們是完全忠實反映風險的話，就不涉及歧視的問題。"],["黃委員珊珊：在反歧視上面，我希望主委從今天開始知道的話，其實有非常多民團已經來陳情，尤其是現在有些跨性別，如果去服用了一些荷爾蒙的藥物，去投保的話，保險公司會拒保，因為它認為他可能將來會有身體上的風險，這個對他們來說的確是有歧視。"],["彭主任委員金隆：新的事由，我們一向都會來審慎處理，因為本來保險是長期的合約，中間都會變化，我們一直都會面臨到類似的問題。"],["黃委員珊珊：所以我要針對幾種人，第一個跨性別者，第二個身心障礙者，身心障礙者其實都會受到一定的限制，甚至適用比較高的費率，還有高齡者，像是有一些里長、有些地方政府要幫鄰長保團保，鄰長年紀比較大，所以連團保都保不到。最後我要說，像我，主委現在看到我是一個很健康的人，但我10年前生過病，即使我現在已經完成一日北高跟跑完半馬，我還是保不到任何險，尤其是調病歷，他就說你曾經生過病，你這輩子都買不到保險，主委，這也是一種歧視吧？"],["彭主任委員金隆：這個是未來整個保險發展的趨勢，過去我們是以過去決定未來，我們現在希望未來決定未來，計費或是經驗邏輯的改變……"],["黃委員珊珊：既然有反歧視法的正當性在，開始去檢視，不管是汽車強制險還是一般的壽險，甚至剛剛講特殊的人的健康險，都需要做一些相對的討論，正視他們的權益，你可以收比較高的保費，而不是讓他完全沒有保障。"],["彭主任委員金隆：我非常認同，因為環境在變，整個保險也要因應環境改變。"],["黃委員珊珊：要與時俱進，第二個，你買的是未來的安全，其實過去生過病，是會好的，可是沒有保險公司會認為你好了。"],["彭主任委員金隆：我慢慢會從損害填補變成損害預防兼顧的方式來做這件事。"],["黃委員珊珊：我希望金管會是不是在半年之內，沒有很久喔！身心障礙、跨性別跟高齡這幾樣的投保狀況討論、檢討。第二個，是不是能夠跟保險業者來就主委所說的，我們怎麼樣用未來保障未來。"],["彭主任委員金隆：普惠跟公平待客，我們會來努力。"],["黃委員珊珊：半年之內希望看到你的初步報告，好嗎？"],["彭主任委員金隆：好，沒問題，謝謝委員指正。"],["主席：謝謝黃珊珊委員，接著請羅明才委員。"]],"agenda":{"page_end":478,"meet_id":"委員會-11-3-20-4","speakers":["賴士葆","林德福","吳秉叡","顏寬恒","郭國文","賴惠員","李彥秀","鍾佳濱","李坤城","林思銘","黃珊珊","羅明才","陳玉珍","王世堅","張啓楷","徐欣瑩","邱志偉","楊瓊瓔"],"page_start":419,"meetingDate":["2025-03-26"],"gazette_id":"1143101","agenda_lcidc_ids":["1143101_00008"],"meet_name":"立法院第11屆第3會期財政委員會第4次全體委員會議紀錄","content":"邀請金融監督管理委員會彭主任委員金隆率所屬機關首長暨中央存款保險股份有限公司、監管相\n關機構有關之財團法人、臺灣證券交易所股份有限公司、臺灣期貨交易所股份有限公司、臺灣集\n中保管結算所股份有限公司等董事長、總經理列席業務報告，並備質詢","agenda_id":"1143101_00007"}}}