{"error":false,"id":["152855"],"data":{"IVOD_ID":152855,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/152855","日期":"2024-05-22","會議資料":{"會議代碼":"委員會-11-1-20-13","會議代碼:str":"第11屆第1會期財政委員會第13次全體委員會議","屆":11,"會期":1,"會次":13,"臨時會會次":null,"種類":"委員會","委員會代碼":[20],"委員會代碼:str":["財政委員會"],"標題":"第11屆第1會期財政委員會第13次全體委員會議"},"影片種類":"Clip","開始時間":"2024-05-22T13:07:42+08:00","結束時間":"2024-05-22T13:20:52+08:00","影片長度":"00:13:10","支援功能":["ai-transcript","gazette"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/ec526bb9f1bdce9dd944f84f6ffa5eef88b406ffa24a3d763b43bbf2d64d20176988791c7ba79bef5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"羅明才","委員發言時間":"13:07:42 - 13:20:52","會議時間":"2024-05-22T09:00:00+08:00","會議名稱":"立法院第11屆第1會期財政委員會第13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率所屬機關首長暨中央存款保險股份有限公司、監管相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。\n【5月20日及22日二天一次會】）","gazette":{"lineno":1181,"blocks":[["羅委員明才：（13時7分）主席、各位委員、各位出列席官員，大家好。主席，可否請彭主委？"],["主席：請彭主委。"],["羅委員明才：主委好。"],["彭主任委員金隆：委員好。"],["羅委員明才：主委帶著開心的心情來到財委會，那我們財委會也是熱忱的歡迎，因為這個地方是一個討論事情、然後大家就事論事、也開開心心的地方。雖然是如此，但是也提醒主委，其實一般你們來這邊的蜜月期，我們大概都是給一個月，本來很多委員都是磨刀霍霍，說要讓新來的知道一下什麼是立法院，但是我覺得這樣是不對的方法，特別你也是教授出身，而且家庭也是和樂融融，然後外界我一些朋友直接、間接認識你的也很多，大概都講你好話的比較多，講壞話的倒還沒聽過，所以我希望說過去的好，你要持續的努力下去。"],["彭主任委員金隆：是，一定。"],["羅委員明才：面對那麼重要的事情，銀行、證券、保險這三個金融的範疇裡面，對於過去的主委，我們也感謝他真的是奠定了一個很深厚的基礎，譬如說銀行的逾放比現在是多少？"],["彭主任委員金隆：可能是零點幾了，0.13%。"],["羅委員明才：0.13%這個數字很漂亮，跟健檢一樣。股市現在幾點了？"],["彭主任委員金隆：21,000點，今天沒看。21,500點。"],["羅委員明才：21,500點。今年是龍年，剛好臺灣是龍年，這是一隻龍，另外還有一隻龍叫楊金龍，兩隻龍就飛龍在天，股市漲到兩萬點，所以第二個問題就要問你，整個大環境、國際的大變動就先不要講了，如果主委你能把站穩兩萬點持續大概一個月左右，大概在下個月，就跟上一次突破一萬點一樣，我就請你吃雞排跟喝珍奶，有沒有信心可以穩定發展？"],["彭主任委員金隆：我想剛剛也有委員提過，我對我們是很有信心，但是因為對於股市，站在一個金融監理機關的角度，我們在意的是制度面的健全，股市漲跌本來就會有一定的影響，那我們當然希望它很平穩、也很健全。"],["羅委員明才：對，其實大家都對你有一些期待，因為我在你的報告裡面，看到你都是主張是比較開放的、跟國際接軌、成為整個亞太中心的金融財管中心、理財中心這一類的，我們都是寄予厚望，希望你是第三隻龍，龍年一個龍、楊金龍、你是彭金隆（龍），希望你認真做，讓大家可以看到股市三萬點的榮景，有沒有信心？"],["彭主任委員金隆：我對我們都很有信心。"],["羅委員明才：都有信心？好，加油。三萬點到的時候，我就不是請雞排跟珍奶了，要比較精彩一點，我再想一下，三萬點快到的時候我再想，但就是一種期許。其實過好的生活、大家安居樂業都是很開心的，股市漲，大家多鼓勵來投資也是非常好的。比如說今天我們看到台積電已經破歷史新高，漲到860塊，主委，你有沒有投資？"],["彭主任委員金隆：我都買基金。"],["羅委員明才：買基金？你有沒有買到台積電？"],["彭主任委員金隆：基金裡面應該有它的成分。"],["羅委員明才：恭喜，那就是水漲船高。沒有關係，我們希望說理財成為未來金管會……因為金管會周邊的單位都很有錢，主委，你知道今天出席者裡面最有錢的是哪個單位？臺灣證券交易所，你知道它去年的EPS多少錢？大概7、8塊，今年我預估，因為林董也是很厲害、很會賺錢，今年應該也跑不掉，所以我們希望主委要多認識周邊的這些單位，怎麼樣提供更多的服務來幫助民眾，打詐也好或者是做一些救助也好，據我所知，我們臺灣證券交易所也做很多公益事項，對不對？"],["彭主任委員金隆：今天坐在這邊的都是團隊。"],["羅委員明才：都是團隊，所以我們希望你們賺的錢不要為富不仁，多多參與社會、關懷社會的發展，走入校區，不要讓小白在森林中迷路，不要讓小白在航海的時候落水，多多讓他們有一些健康的理財觀念。","第三個就是有關銀行方面，在臺灣過去的發展大概就是穩定，因為它逾放比現在也很低，但是我們看到全世界包括新加坡也好、英國也好，很多的金融發展不得了，推出的衍生性金融商品非常非常多，所以我想請教一下主委，有關虛擬貨幣的推動，虛擬貨幣到底是什麼？是不是錢？"],["彭主任委員金隆：其實這個在不論學理或實務上都有滿多的爭議，這個部分確實在定義上現在可能沒辦法馬上有一個……不過它現在確實已經變成非常普遍的一個投資，甚至是一個交易的媒介工具。"],["羅委員明才：對，這個很貼近，所以我們不要去迴避，在比特幣大概六千多塊的時候，本席曾經在這個地方建請中央銀行可以多少買一點，結果你猜猜看央行有沒有接受我的建議？"],["彭主任委員金隆：這個我不清楚。"],["羅委員明才：沒有接受我的建議，所以當今天比特幣漲到七萬塊美金的時候，我不知道他心裡會做何感想。因為上年紀的不懂比特幣，所以他第一個心態就是不要、不要、拒絕，你去問那些八十歲以上、七十歲以上的，他一定說：那都會騙人。可是，詐騙的結果是虛擬貨幣去詐騙人呢？還是人利用虛擬貨幣去詐騙人？這個意思你理解吧？"],["彭主任委員金隆：理解。"],["羅委員明才：所以你想想看，當初如果有一個很好的專法來管理這些虛擬貨幣，主委，現在臺灣賺很多錢的就是這些年輕人，因為沒有好的管理方式，大家都亂竄、大家不正面去面對它，我們發現當美國要接受了、香港也即將接受了，歐洲到處、新加坡都已經司空見慣的一個虛擬貨幣的時候，我們是不是應該來思考，新主委上任後應該要趕快、積極的跟上腳步？主委你認同嗎？"],["彭主任委員金隆：未來在整個金融科技發展的時候，我想區塊鏈跟數位貨幣都是未來一個很重要的區塊，我們會持續來關注這個議題。"],["羅委員明才：希望多加油。"],["彭主任委員金隆：是，謝謝。"],["羅委員明才：另外一個，其實就是監理這一個思維跟扶持金融產業的一個內心的想法，主委，你是贊成處罰多一點還是以鼓勵來代替苛責的方式讓金融業持續的蓬勃發展？"],["彭主任委員金隆：我是覺得在金融監理有一個非常重要的就是依法辦理，這個是最基本也最沒爭議的一個方法。但是我剛才也講過，監理是要有非常明確的一個界線，但是我們市場的發展還是要做的，我覺得這兩件事情還是都非常重要。"],["羅委員明才：好，謝謝，我希望你可以大刀闊斧、展翅高飛，其實上一次的主委不錯，但是大家覺得他就是比較保守一點，過去金融的裁罰，10年前是很少，結果慢慢增加，去年的預算是多少？大概有四億多。"],["彭主任委員金隆：對。"],["羅委員明才：每一家公司都覺得奇怪，怎麼一直被罰？被罰款的速度越來越多、越來越快，當處罰越多的時候，其實是不利整個金融的蓬勃發展，安全當然重要，但也要多一點鼓勵，要有方法，是不是這樣？"],["彭主任委員金隆：完全同意。因為其實金融市場的健全不在於處罰，我們講刑期無刑，處罰不是目的，而是一個手段，我們最終希望都不要有裁罰案，但是這個需要大家努力。"],["羅委員明才：好吧，看到剛剛講的這些數字，主委，你就放膽去做吧！把臺灣帶向一個國際的金融交易中心，看看臺灣能不能取代香港、能不能迎上新加坡。","有關人事制度的問題，主委也要費一點心，多了解一下。"],["彭主任委員金隆：是。"],["羅委員明才：你知道保險局目前管理的資產規模有多少？"],["彭主任委員金隆：現在保險的資產應該超過35兆。"],["羅委員明才：35兆，你知道保險局的員工有多少？"],["彭主任委員金隆：人非常少。"],["羅委員明才：編制多少？"],["彭主任委員金隆：應該是100人左右吧。"],["羅委員明才：才100人！"],["彭主任委員金隆：是所有局裡面最少的。"],["羅委員明才：我30年前來這邊的時候，它就是100人。然後，證期局是多少人？"],["彭主任委員金隆：證期局應該是兩百三十幾人。"],["羅委員明才：兩百三十幾人？進去的全部幾乎都是女性，不是歧視，是男的沒位子坐，沙發放在那邊已經破破舊舊的，二十幾年都沒換，堂堂我們國家一個證期局，起碼整個設備或人力制度稍微要調整一下。"],["彭主任委員金隆：對，這個愉快的工作環境方面，我們會來持續改善。"],["羅委員明才：加油一下。"],["彭主任委員金隆：謝謝。"],["羅委員明才：銀行、證券、保險，銀行也一樣，都是舊舊、窮窮的，我希望環境做好一點，不然你留才留不住啊！舉個例子好了，主委你來，你一個月才領多少錢？"],["彭主任委員金隆：這還沒去瞭解。"],["羅委員明才：那你還蠻勇敢的，當你有一天遇到曾銘宗的時候，你問他，你就會想說：哇，原來在民間工作，真的是又開心，荷包又滿滿的。想一下，怎麼樣讓大家的薪資結構跟上合理的時代通膨的來臨，要好的薪水才可以找到好的人才嘛！另外，我建議趕快成立金融資訊局，必須要面對這些問題，謝謝。"],["彭主任委員金隆：是，謝謝委員指教。"],["主席：謝謝羅明才召委。股市上萬點，主任秘書說不能只請雞排和珍奶，最少是隔壁那個喜來登的餐券。","接著請麥玉珍委員。麥玉珍、麥玉珍、麥玉珍委員不在。"],["主席（羅委員明才）：今天登記發言已詢答完畢，本次會議作如下決定：報告及詢答完畢。委員質詢未及答復或請補充資訊者，請金管會一週內以書面答復，委員另要求期限者，從其所定。委員張嘉郡所提書面質詢，列入紀錄，刊登公報，並請金管會以書面答復。"]],"agenda":{"page_end":332,"meet_id":"委員會-11-1-20-13","speakers":["羅明才","林德福","吳秉叡","顏寬恒","賴惠員","賴士葆","王鴻薇","郭國文","李彥秀","黃珊珊","伍麗華Saidhai‧Tahovecahe","李坤城","王世堅","楊瓊瓔","黃國昌","葛如鈞","陳玉珍","林楚茵","吳春城","鍾佳濱","謝衣鳯","張嘉郡"],"page_start":263,"meetingDate":["2024-05-22"],"gazette_id":"1134901","agenda_lcidc_ids":["1134901_00008"],"meet_name":"立法院第11屆第1會期財政委員會第13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":"1134901_00005"}},"transcript":{"pyannote":[{"speaker":"SPEAKER_01","start":0.03096875,"end":0.97596875},{"speaker":"SPEAKER_01","start":3.11909375,"end":3.60846875},{"speaker":"SPEAKER_00","start":3.18659375,"end":3.8109687500000002},{"speaker":"SPEAKER_01","start":3.79409375,"end":4.21596875},{"speaker":"SPEAKER_00","start":4.21596875,"end":4.232843750000001},{"speaker":"SPEAKER_00","start":4.806593750000001,"end":5.85284375},{"speaker":"SPEAKER_00","start":6.4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這個很貼近所以我們不要去迴避本席在這個地方曾經在比特幣大概六千多塊的時候我建請中央銀行可以多少買一點"},{"start":429.145,"end":456.767,"text":"你猜猜看央行有沒有接受我的建議這我不清楚沒有接受我的建議所以當今天比特幣現在漲到7萬塊美金的時候我不知道他心裡會做何感想講這句話很簡單但是對於所有年輕人因為老口口的不懂比特幣嘛"},{"start":457.816,"end":474.402,"text":"所以他第一個心態就是不要不要拒絕你去問那個80歲以上的70歲以上那些都會被騙可是詐騙的結果是虛擬貨幣去詐騙人呢還是人利用虛擬貨幣去詐騙人這個意思你理解吧所以你想想看"},{"start":482.57,"end":502.867,"text":"當初如果有一個很好的專法來管理這些虛擬貨幣主委你知道我跟你講現在台灣所以賺很多錢的就是這些年輕人因為沒有好的管理方式大家都亂竄大家不正面去面對他我們發現"},{"start":504.583,"end":523.444,"text":"當美國要接受了香港也即將接受了歐洲到處新加坡都已經這個司空漸寬的一個虛擬貨幣的時候我們是不是應該來思考新主委的上任應該要趕快積極地跟上腳步主委你認同嗎"},{"start":524.409,"end":546.915,"text":"我們在未來在整個金融科技發展的時候我想區塊鏈跟數位貨幣都是未來一個很重要的區塊啦我們會持續來關注這一題希望多加油啦那另外一個其實就是建立一個思維跟扶持這個金融產業的一個內心的心理想法"},{"start":549.172,"end":558.668,"text":"所以你是贊成處罰多一點還是用以鼓勵來代替苛責的方式讓青農業持續的蓬勃發展"},{"start":559.273,"end":560.194,"text":"我希望您盡量可以大刀闊斧、高次斬飛"},{"start":586.98,"end":613.532,"text":"其實上一次主委不錯但是大家覺得他就是比較保守一點過去金融的財閥10年前是很少結果慢慢增加去年的預算是多少去年幾億大概有4億多每一家公司的覺得奇怪什麼一直被罰被罰款的速度越來越多越來越快當"},{"start":616.178,"end":616.838,"text":"主委你就放膽去做吧"},{"start":646.67,"end":665.886,"text":"把臺灣帶向一個國際的交易金融中心臺灣看能不能取代香港能不能贏上新加坡那有關這個人事制度的問題主委也要費一點心多了解一下是你知道"},{"start":667.062,"end":695.189,"text":"保險啊他現在管理啊保險局啊管理的資產規模有多少現在保險的資產應該超過35兆35兆你知道保險局的人員有多少員工人非常少應該是百人左右吧才一百人一百人是我一百四是所有局裡面最少一百年一百人是我三十年前來這邊的時候他就一百人然後正期局啊正期局多少人對"},{"start":696.683,"end":712.591,"text":"這幾局多少人?這幾局應該兩百...兩百三十幾兩百三十幾個進去全部幾乎都是女的不是騎士是男的沒位置坐沙發放在那邊已經破了破破舊舊二十幾年都沒換"},{"start":714.366,"end":741.621,"text":"我們國家堂堂一個政期局起碼整個設備或人力制度稍微要調整一下對 這個愉快的工作環境我們會來持續改善加油一下銀行、證券、保險銀行也一樣啊 都是窮窮的啦我希望環境做好一點你留財留不住啊舉個例子好了 主委你來啦你一個月才領多少錢這還沒去了解"},{"start":743.223,"end":764.468,"text":"那你還蠻勇敢的啊當你有一天遇到鄭明忠的時候你問他你就會想說 哇 原來在民間工作真的是又開心 盒包又滿滿的想一下怎麼樣讓大家的這個心智結構跟上合理的時代通膨的來臨"},{"start":768.066,"end":770.728,"text":"謝謝我們羅明才召委股市上萬點主任秘書說不能只清雞排跟珍藍"}]}},"supported_relations":[],"relations":[]}