{"error":false,"id":["154611"],"data":{"IVOD_ID":154611,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/154611","日期":"2024-07-10","會議資料":{"會議代碼":"委員會-11-1-20-21","會議代碼:str":"第11屆第1會期財政委員會第21次全體委員會議","屆":11,"會期":1,"會次":21,"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21次全體委員會議"},"影片種類":"Clip","開始時間":"2024-07-10T10:11:13+08:00","結束時間":"2024-07-10T10:25:24+08:00","影片長度":"00:14:11","支援功能":["ai-transcript","gazette"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/1b498260953197f8b93c2dddbed1a48fa39103cf15d5982f90a5faf2fa6890fc51333fc182bd9e865ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"王世堅","委員發言時間":"10:11:13 - 10:25:24","會議時間":"2024-07-10T09:00:00+08:00","會議名稱":"立法院第11屆第1會期財政委員會第21次全體委員會議（事由：邀請中央銀行楊總裁金龍就「數位貨幣發行之規劃與貨幣之數位轉型」、金融監督管理委員會彭主任委員金隆、數位發展部就「創造金融科技創新發展空間與扶植金融科技業」進行專題報告，並備質詢。\n【7月8日及10日二天一次會】）","gazette":{"lineno":319,"blocks":[["王委員世堅：（10時11分）謝謝主席。我請央行楊總裁。"],["主席：有請楊總裁。"],["楊總裁金龍：王委員早。"],["王委員世堅：楊總裁，隨著疫情發展，現在國際上對於數位貨幣已經轉趨很積極的態度。當然數位貨幣的好處非常多，比方說監管容易，可以追蹤交易紀錄，減少偽幣、偽鈔這些，事實上是有它的功能。那麼我認為央行至少態度要很精確，至少在數位貨幣這一塊，我們到底做不做？是不是我們要？確定這個態度，而且要有時間表，您列的數位貨幣要進行三大工程，你說廣泛討論、精進平台技術、研議法律架構，這些都非常好，但是我認為這三大工程都可以同時進行，所以我今天要問你的就兩個問題，第一個，央行在數位貨幣的部分編列了多少預算來推動？第二個，央行到底對數位貨幣有沒有時間表？比方說三年前，央行說數位貨幣這樣推動大概十年的時間可以達成，現在，在你今天的這份報告裡面，你說事實上數位貨幣的部分沒有時間表，所以我搞不懂，到底是十年，還是應該要有時間表，或者像你講的完全沒有時間表，所以這兩個問題，第一個，預算多少？已經執行了多少？第二個，有沒有時間表？這個時間表到底需要多少時間？"],["楊總裁金龍：第一個，目前為止，我們還沒有編列很大的預算去做，為什麼？因為目前這個雛型的平台都是央行本身的預算可以吸納的，還有財金公司的預算都可以吸納，因為本來CBDC是零售的，零售的話，像財金公司來講，它本身就是零售的，所以它就可以吸納了，因此我們沒有……"],["王委員世堅：所以你認為在央行現行的預算基礎……"],["楊總裁金龍：沒有、沒有，我們到目前……"],["王委員世堅：就可以足以來支付？"],["楊總裁金龍：對，我們沒有一項特定的……就是我們推動CBDC要多少錢，還沒有。"],["王委員世堅：還沒有，那你們的態度跟時間表是怎麼樣？那就是說……"],["楊總裁金龍：好，第一個……"],["王委員世堅：被問到了才來提。"],["楊總裁金龍：剛剛我跟……至於時間表這個問題，我很強調的就是，也要看國際發展的情況是怎麼樣，因為CBDC不是只有在國內而已，我們的wholesale是要跨境的。那跨境的……"],["王委員世堅：對嘛！要跟國際接軌。"],["楊總裁金龍：是要跟國際接軌……"],["王委員世堅：這是對的。"],["楊總裁金龍：那如果說國際也都沒有的話，我跟委員報告，假設我說我們5年就要做到，但是國際上也沒有啊！我也跟委員很誠實地報告，基本上在國際上大部分的先進國家，他們也沒有時間表。我要跟委員報告，等到我們往前推，我們還是有啊、我們在推啊，我們還是積極地推，到某一個時點的時候，好像這個時機已經很成熟的時候……"],["王委員世堅：總裁，你的意思就是說數位貨幣推動的進程跟時間表，你們視國際發展的狀況而定？"],["楊總裁金龍：對、對、對，要共同來決定的。"],["王委員世堅：好，謝謝，你肯定這個答復就好，我們同時也讓全體國人都瞭解，這樣才對。"],["楊總裁金龍：是。"],["王委員世堅：時間暫停，我請金管會，楊總裁，請你先等我一下，我一起要問，一起要請教你。請彭主委。"],["主席：有請彭主委。"],["彭主任委員金隆：委員好。"],["王委員世堅：彭主委，針對你正式回給我的答復，我滿失望的，就是我要求金管會應該負起責任做到兩點，第一點，對於租賃公司所造成的社會亂象跟對有貸款需求民眾的危害，第一個，我認為金管會要負起這個責任，對租賃公司、融資公司去做管理；第二個，應該訂定一個融資租賃公司管理法才對。對於融資租賃公司管理法這個部分，我認為需要，而且刻不容緩，結果你給我的答復，以你的專業，你竟然答復我，我照你的答復唸，你說現行機制及金管會近期之措施已有處理機制；第二個，對於租賃公司的管理，你說你會持續跟財政部、經濟部、消保會保持這個部分的聯繫、合作，你的答復是這樣。"],["彭主任委員金隆：是，報告委員……"],["王委員世堅：這個答復我完全不能接受。我相信社會大多數的民眾在瞭解租賃公司……尤其最大的這三家占總租賃融資金額95%的這個薯條三兄弟，對於他們的惡行惡狀所造成的社會亂象，社會是不能接受的，所以你這個答復我不接受，我不接受，你認為就不用管嗎？你說現行機制已經有啦，我請問現行機制哪一條管得到這些租賃公司？現行機制，連金管會你都不用管，也管不到它，不是嗎？現行機制裡面是把租賃公司推給經濟部管，結果經濟部是管它什麼？是用公司法來管它，欸！經濟部公司法是管理全國140萬家公司，所以薯條三兄弟一年的營業額超過五、六千億以上，它只不過是一百四十萬分之三，天啊！我們國家最高的金管單位竟然如此地縱容這些惡質的租賃公司！縱容這薯條三兄弟。你正式白紙黑字這樣跟我答復的喔，我對你本來很多期許，我想你學有專精，在金融，尤其保險這個部分，你的風評是非常好，結果你今天這樣給我答復。你想一下再答復我，我不接受就對了。","我先請楊總裁。楊總裁，根據中央銀行法第二十九條，本來中央銀行就可以對這些惡質的融資租賃、這些惡質的條約，本來就可以去管理，所以你認為應不應該由政府出面，交由金管會、財政部，對融資租賃公司立一個專法來管理？而且把管理的權責收回金管會，加上財政部，你認為需不需要？"],["楊總裁金龍：對於這個議題，事實上政府在Asian Financial Crisis也就是亞洲金融危機之前，也有考量到是不是要把它納管，結果那時剛好金融危機發生，之後這個部分就pending在那邊。不過我總覺得委員好像對於融資公司的授信行為，這個好像也是授信，你覺得就是說……不過我想金管會會好好地去考量這部分。"],["王委員世堅：好好地考量，那要考量多久？"],["楊總裁金龍：這個就是由金管會……"],["王委員世堅：它已經考量結束，正式答復我喔！說現行機制就可以管理，結果現行機制是如何？這薯條三兄弟造成社會多大的危害跟亂象，深受其害者，尤其青年朋友、尤其需要資金的民眾是如何地被薯條三兄弟壓榨。","總裁，另外，為什麼我說財政部也要管？因為九大公營行庫就是屬財政部管，九大公營行庫董事長、總經理都是由財政部長任命的，結果你知道嗎？九大公營行庫在這十年間貸放給薯條三兄弟，就這三家而已，授信給它的額度高達8,921億，9,000億之多！然後實質放款給它是4,854億，將近5,000億。他們用1.7%的低利貸款給薯條三兄弟，薯條三兄弟左手貸低利1.7%，右手放高利貸給需要的民眾、放給青年朋友們，我們公營行庫眼睜睜地看著來自社會大眾的資金，縱容交給薯條三兄弟去吸血，吸民眾的血、吸青年朋友的血，眼睜睜地看著它在幹這種事，這不是縱容嗎？而且一而再、再而三。本席提出要求要管理之後，到現在4個月了，給我一個答復說現行機制就可以管理，現行機制是這個樣子、是這麼惡劣，縱容薯條三兄弟吸民眾的血！所以我請問楊總裁還有彭主委，公營行庫、我們公家管理的，如果讓薯條三兄弟吸民眾的血，你們於心何忍！這是我們的同胞，可以這樣子嗎？只因為這些有需求的民眾們、青年朋友們借貸無門，我們政府就讓他們給薯條三兄弟去剝皮，剝三件皮、四件皮，去吸他們的血，可以這樣嗎？所以我要求，楊總裁，我把金管會主委交給你，你糾正他這一點，根據中央銀行法第二十九條，本來就可以要求他，彭主委，我今天對你非常地失望！我本來對你抱以厚望啊，我想你新上任，你還保有赤子之心，會保護我們多數需要資金的民眾們合理的貸款，結果不是！抱歉，再給我30秒。總裁，抱歉，我生氣個3秒鐘。","另外，總裁，我要交代你，你要要求金管會，剛才提到的房市泡沫化，竟然我們前十名的建設公司負債比都在75%以上，最高的高達88.6%，將近九成，這都會造成房市泡沫化。你看，借錢給這些不肖建商，低利貸款借給它、高額度借給它，讓它去買地、養地、圈地，難怪房地產會一漲再漲，難怪需要的民眾們都買不到房子。所以金管會彭主委，你的重責大任在你的肩上，好不好？我希望任重道遠，從今天開始積極面對這些問題，去解決這些問題。楊總裁，我把彭主委就交給你了。謝謝。"],["主席：謝謝王世堅委員的質詢。","接著我們請李彥秀委員質詢。"]],"agenda":{"page_end":266,"meet_id":"委員會-11-1-20-21","speakers":["郭國文","林德福","顏寬恒","吳秉叡","賴士葆","王世堅","李彥秀","王鴻薇","葛如鈞","賴惠員","陳玉珍","黃珊珊","伍麗華Saidhai‧Tahovecahe","羅明才","楊瓊瓔","李坤城"],"page_start":211,"meetingDate":["2024-07-10"],"gazette_id":"1137301","agenda_lcidc_ids":["1137301_00007"],"meet_name":"立法院第11屆第1會期財政委員會第21次全體委員會議紀錄","content":"邀請中央銀行楊總裁金龍就「數位貨幣發行之規劃與貨幣之數位轉型」、金融監督管理委員會彭\n主任委員金隆、數位發展部就「創造金融科技創新發展空間與扶植金融科技業」進行專題報告，\n並備質詢","agenda_id":"1137301_00006"}},"transcript":{"pyannote":[{"speaker":"SPEAKER_01","start":9.497843750000001,"end":12.180968750000002},{"speaker":"SPEAKER_01","start":12.56909375,"end":13.007843750000003},{"speaker":"SPEAKER_00","start":12.906593750000003,"end":12.974093750000002},{"speaker":"SPEAKER_00","start":13.007843750000003,"end":13.395968750000002},{"speaker":"SPEAKER_01","start":13.395968750000002,"end":13.83471875},{"speaker":"SPEAKER_00","start":19.555343750000002,"end":20.21346875},{"speaker":"SPEAKER_01","start":20.21346875,"end":20.26409375},{"speaker":"SPEAKER_01","start":21.49596875,"end":26.11971875},{"speaker":"SPEAKER_01","start":26.305343750000002,"end":45.407843750000005},{"speaker":"SPEAKER_01","start":45.66096875,"end":47.06159375},{"speaker":"SPEAKER_01","start":47.618468750000005,"end":48.462218750000005},{"speaker":"SPEAKER_01","start":49.23846875,"end":58.84034375},{"speaker":"SPEAKER_01","start":59.26221875,"end":71.51346875},{"speaker":"SPEAKER_00","start":71.51346875,"end":71.71596875},{"speaker":"SPEAKER_01","start":71.71596875,"end":82.78596875000001},{"speaker":"SPEAKER_00","start":71.74971875,"end":71.80034375000001},{"speaker":"SPEAKER_00","start":75.86721875,"end":76.18784375},{"speaker":"SPEAKER_01","start":82.88721875,"end":83.91659375},{"speaker":"SPEAKER_01","start":84.18659375,"end":105.56721875000001},{"speaker":"SPEAKER_01","start":105.66846875,"end":112.13159375000001},{"speaker":"SPEAKER_01","start":112.57034375,"end":113.27909375},{"speaker":"SPEAKER_01","start":113.97096875000001,"end":120.18096875},{"speaker":"SPEAKER_00","start":120.18096875,"end":120.40034375},{"speaker":"SPEAKER_01","start":120.40034375,"end":131.60534375},{"speaker":"SPEAKER_01","start":132.02721875,"end":134.84534375},{"speaker":"SPEAKER_01","start":135.14909375000002,"end":135.82409375},{"speaker":"SPEAKER_01","start":135.92534375,"end":137.03909375},{"speaker":"SPEAKER_01","start":137.19096875,"end":137.41034375},{"speaker":"SPEAKER_00","start":137.41034375,"end":137.59596875},{"speaker":"SPEAKER_01","start":137.59596875,"end":138.03471875},{"speaker":"SPEAKER_00","start":138.03471875,"end":139.85721875000002},{"speaker":"SPEAKER_00","start":140.78534375,"end":145.03784375},{"speaker":"SPEAKER_00","start":145.30784375000002,"end":192.62534375},{"speaker":"SPEAKER_01","start":173.99534375000002,"end":176.64471875},{"speaker":"SPEAKER_01","start":177.48846875,"end":179.37846875000002},{"speaker":"SPEAKER_01","start":179.39534375000002,"end":179.58096875},{"speaker":"SPEAKER_01","start":191.03909375,"end":192.40596875},{"speaker":"SPEAKER_01","start":192.62534375,"end":192.70971875},{"speaker":"SPEAKER_00","start":192.70971875,"end":193.68846875},{"speaker":"SPEAKER_01","start":192.81096875,"end":196.05096875},{"speaker":"SPEAKER_00","start":195.24096875,"end":219.45659375000002},{"speaker":"SPEAKER_01","start":196.77659375000002,"end":196.96221875},{"speaker":"SPEAKER_01","start":218.78159375,"end":219.43971875000003},{"speaker":"SPEAKER_01","start":219.45659375000002,"end":221.98784375000002},{"speaker":"SPEAKER_00","start":220.23284375,"end":244.26284375},{"speaker":"SPEAKER_00","start":244.88721875000002,"end":248.36346875},{"speaker":"SPEAKER_01","start":245.59596875000003,"end":245.66346875000002},{"speaker":"SPEAKER_00","start":248.58284375000002,"end":249.42659375000002},{"speaker":"SPEAKER_00","start":249.93284375000002,"end":259.298468750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那我要跟委員報告就是說等到我們往前推 我們還是有啊 我們在推啊 我們還是積極的推啊到某一個時點的時候呢 好像這個時機很成熟的時候 那總裁你的意思就是說事實上數位貨幣的推動 它的進程跟它的時間表你們是"},{"start":266.34,"end":267.061,"text":"有請彭主委"},{"start":290.686,"end":314.228,"text":"喂好彭主委我蠻失望的你正式回給我的答覆就是說我要求我們金管會應該負起責任做到兩點第一點對於現在租賃公司他造成的社會亂象跟對貸款需求的民眾對他們的危害這些我認為金管會第一點要"},{"start":315.205,"end":344.105,"text":"負起這個責任對租賃公司融資公司下去做管理第二個應該立一個融資租賃公司管理法才對結果你給我的答覆裡面我認為融資租賃公司管理法這個部分我認為需要而且刻不容緩結果你的答覆以你的專業你竟然答覆我我照你的答覆念你說現行機制啊"},{"start":345.046,"end":367.513,"text":"以及金管會近期的措施已經有處理的機制了第二個你說對於這個租賃公司的管理你說你會持續跟財政部、經濟部、消保會他們保持這部分的聯繫合作那你的答覆是這樣那這個答覆齁"},{"start":368.909,"end":391.65,"text":"我完全不能接受我相信社會大多數的民眾在瞭解租賃公司尤其最大的這三家占總租賃融資金的95%的這數條三兄弟對他們的惡行惡狀造成社會的亂象社會是不能接受的所以你這個答覆我不接受"},{"start":392.83,"end":420.622,"text":"我不接受。你認為就不用管嗎?你說現行機制已經有啦。我請問啦,現行機制哪一條是我們管得到這些租賃公司的?現行機制連金管會你都不用管,也管他不到不是嗎?現行機制裡面是把租賃公司推給經濟部管。結果經濟部管,是管他什麼?管他公司法。"},{"start":422.543,"end":427.607,"text":"欸!經濟部公司法管理是管理全國140萬家公司!"},{"start":429.249,"end":455.364,"text":"所以數條三兄弟一年的營業額超過五六千億以上他只不過140萬分之三天啊我們國家我們最高的監管單位竟然如此的縱容這些二次的租賃公司縱容這數條三兄弟你正是白紙黑字這樣跟我答覆的喔"},{"start":456.721,"end":478.656,"text":"我對你本來很多期許我想你學有專精在金融尤其保險這個部分你是非常好的風評結果你今天這樣給我答覆所以在你想一下你再答覆我不接受就對我先請楊總裁楊總裁是"},{"start":485.114,"end":496.839,"text":"根據中央銀行法第29條本來中央銀行就可以對像現在這樣子二值的這些融資租賃"},{"start":498.92,"end":522.287,"text":"這些二次的條約本來就可以有管理所以你認為應不應該由政府出面交由金管會財政部對融資註定公司立一個專法來管理而且把管理的權責收回金管會加上財政部"},{"start":523.479,"end":542.017,"text":"你認為需不需要?對於這個議題,我想就是說,事實上政府在亞洲金融危機之前也有考量到是不是要把它納管"},{"start":544.119,"end":569.452,"text":"那結果呢在那個時候呢就是說剛好就是說金融危機發生了以後這個就騙頂在那邊不過呢我總覺得啊委員這樣的話好像就對這個融資公司的一個那個一個一個授信這個好像也是授信啦授信的一個行為呢你覺得就是說不過呢我想就是說監管會他會去好好的去考量他啦"},{"start":569.892,"end":594.617,"text":"好好的考量,那需要考量多久啦?這個就是說,我們還...他不只是考量,他已經考量結束,正式答覆我喔,說現行機制就可以管理結果現行機制,這數條三兄弟造成社會多大的危害跟亂象深受疾害者,尤其青年朋友,尤其需要資金的民眾"},{"start":595.868,"end":616.45,"text":"那是如何的被數條三兄弟壓榨那那個總裁我另外一時候我就講為什麼說財政部也要管因為九大公營行庫就是屬財政部管啊九大公營行庫董事長總經理都是財政部長任命的結果你知道嗎九大公營行庫啊"},{"start":617.441,"end":645.356,"text":"在這十年間貸款給數條山兄弟就這三家而已喔受信給他的額度高達八千九百二十一億九千億之多然後實質放款給他的四千八百五十四億將近五千億他們低利1.7%的低利貸款給數條山兄弟"},{"start":646.417,"end":658.94,"text":"主條山兄弟左手對低利1.7%右手放高利貸放給虛後的民眾放給青年朋友們我們公營航空演稱真的"},{"start":660.612,"end":679.254,"text":"看著來自社會大眾的資金縱容交給數條山兄弟去吸血吸民眾的血吸青年朋友的血眼睜睜的看大家幹這種事這不是縱容嗎而且一而再再而三"},{"start":681.107,"end":703.843,"text":"本席提出要求要管理之後到現在四個月了給我一個答覆說他現行機制就可以管理現行機制是這個樣子欸是這麼惡劣縱容數條三兄弟吸民眾的血所以啊我請問啊那個楊總裁還有彭主委啊公營含庫我們公家管理的"},{"start":711.226,"end":731.337,"text":"如果我們讓楚條三兄弟吸民眾的血你們於心何忍這是我們的同胞會可以這樣子嗎只因爲我們需要的這些民眾們青年朋友們"},{"start":732.759,"end":760.06,"text":"他們借貸無門我們政府就讓他們給數條三兄弟去剝皮剝三件皮、四件皮去吸他們的血可以這樣嗎所以我要求楊總裁我把金管會主委交給你你糾正他這一點根據中央銀行法第29條本來就可以要求他"},{"start":761.601,"end":767.646,"text":"所以彭主任我今天對你非常的失望我本來對你抱以厚望啊我想你新上任啊"},{"start":769.09,"end":769.991,"text":"一、二、三、好。"},{"start":793.593,"end":819.491,"text":"另外我要交代給你就是說你要要求金融剛剛才提到的房市的泡沫化竟然我們負債比前10名的建設公司負債比都在75%以上最高的高達88.6%將近9成這都是會造成房市泡沫化你看借錢給這些不孝建商"},{"start":821.028,"end":822.529,"text":"我把彭主委就交給你啦"},{"start":850.306,"end":850.327,"text":"好謝謝"}]}},"supported_relations":[],"relations":[]}