{"error":false,"id":["156076"],"data":{"IVOD_ID":156076,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/156076","日期":"2024-10-24","會議資料":{"會議代碼":"委員會-11-2-20-4","會議代碼:str":"第11屆第2會期財政委員會第4次全體委員會議","屆":11,"會期":2,"會次":4,"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2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":"2024-10-24T10:10:22+08:00","結束時間":"2024-10-24T10:21:40+08:00","影片長度":"00:11:18","支援功能":["ai-transcript","gazette"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/402373dbe145685b4f2c5cc239ba87681a854d634de4a24c0c31a177377941b71f2764423691c52a5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"賴惠員","委員發言時間":"10:10:22 - 10:21:40","會議時間":"2024-10-24T09:00:00+08:00","會議名稱":"立法院第11屆第2會期財政委員會第4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、財政部莊部長翠雲、中央銀行、國家發展委員會、經濟部、交通部就「政府推動臺灣成為亞洲資產管理中心之具體作為暨如何協助金融科技及新創產業籌資現況與未來發展」進行專題報告，並備質詢。）","transcript":{"pyannote":[{"speaker":"SPEAKER_00","start":0.6722187500000001,"end":1.0265937500000002},{"speaker":"SPEAKER_01","start":1.51596875,"end":3.49034375},{"speaker":"SPEAKER_00","start":2.68034375,"end":3.06846875},{"speaker":"SPEAKER_00","start":3.2034687500000003,"end":3.4734687500000003},{"speaker":"SPEAKER_00","start":3.49034375,"end":3.5578437500000004},{"speaker":"SPEAKER_01","start":4.047218750000001,"end":10.645343750000002},{"speaker":"SPEAKER_01","start":10.915343750000002,"end":12.46784375},{"speaker":"SPEAKER_01","start":12.754718750000002,"end":16.602218750000002},{"speaker":"SPEAKER_01","start":17.04096875,"end":20.70284375},{"speaker":"SPEAKER_00","start":19.555343750000002,"end":19.605968750000002},{"speaker":"SPEAKER_00","start":19.62284375,"end":19.656593750000003},{"speaker":"SPEAKER_01","start":21.090968750000002,"end":27.33471875},{"speaker":"SPEAKER_01","start":27.50346875,"end":28.58346875},{"speaker":"SPEAKER_00","start":29.562218750000003,"end":39.43409375},{"speaker":"SPEAKER_01","start":33.713468750000004,"end":34.15221875},{"speaker":"SPEAKER_01","start":36.81846875,"end":37.24034375},{"speaker":"SPEAKER_00","start":39.85596875,"end":42.62346875},{"speaker":"SPEAKER_00","start":42.893468750000004,"end":45.188468750000006},{"speaker":"SPEAKER_00","start":45.47534375,"end":45.79596875},{"speaker":"SPEAKER_00","start":45.91409375,"end":49.23846875},{"speaker":"SPEAKER_00","start":49.643468750000004,"end":53.440343750000004},{"speaker":"SPEAKER_01","start":51.46596875,"end":51.752843750000004},{"speaker":"SPEAKER_00","start":53.642843750000004,"end":54.40221875},{"speaker":"SPEAKER_00","start":55.009718750000005,"end":55.98846875},{"speaker":"SPEAKER_00","start":56.174093750000004,"end":58.266593750000006},{"speaker":"SPEAKER_00","start":58.43534375,"end":59.414093750000006},{"speaker":"SPEAKER_00","start":59.78534375,"end":63.126593750000005},{"speaker":"SPEAKER_00","start":63.210968750000006,"end":63.98721875000001},{"speaker":"SPEAKER_01","start":64.39221875,"end":71.54721875},{"speaker":"SPEAKER_01","start":71.96909375,"end":76.20471875},{"speaker":"SPEAKER_00","start":76.37346875,"end":83.42721875000001},{"speaker":"SPEAKER_00","start":83.66346875,"end":88.47284375000001},{"speaker":"SPEAKER_01","start":86.59971875000001,"end":86.98784375000001},{"speaker":"SPEAKER_00","start":88.65846875000001,"end":90.93659375},{"speaker":"SPEAKER_00","start":91.30784375,"end":95.12159375},{"speaker":"SPEAKER_00","start":95.61096875000001,"end":98.46284375},{"speaker":"SPEAKER_01","start":97.95659375000001,"end":103.52534375},{"speaker":"SPEAKER_00","start":103.54221875,"end":106.69784375},{"speaker":"SPEAKER_01","start":104.13284375,"end":104.77409375},{"speaker":"SPEAKER_01","start":106.91721875,"end":107.69346875000001},{"speaker":"SPEAKER_01","start":108.53721875000001,"end":116.72159375000001},{"speaker":"SPEAKER_00","start":117.46409375,"end":121.42971875},{"speaker":"SPEAKER_00","start":122.49284375,"end":130.49159375000002},{"speaker":"SPEAKER_01","start":128.31471875,"end":134.22096875},{"speaker":"SPEAKER_01","start":134.37284375000002,"end":137.10659375},{"speaker":"SPEAKER_01","start":137.42721875,"end":141.66284375},{"speaker":"SPEAKER_01","start":142.01721875,"end":143.02971875},{"speaker":"SPEAKER_01","start":143.33346875,"end":145.61159375},{"speaker":"SPEAKER_01","start":146.08409375000002,"end":151.65284375000002},{"speaker":"SPEAKER_01","start":152.02409375000002,"end":155.43284375000002},{"speaker":"SPEAKER_01","start":156.24284375000002,"end":164.71409375000002},{"speaker":"SPEAKER_01","start":164.91659375,"end":165.50721875000002},{"speaker":"SPEAKER_01","start":166.08096875,"end":166.53659375},{"speaker":"SPEAKER_01","start":167.14409375000002,"end":169.84409375},{"speaker":"SPEAKER_01","start":170.11409375000002,"end":175.48034375},{"speaker":"SPEAKER_00","start":173.30346875,"end":173.62409375000001},{"speaker":"SPEAKER_01","start":175.76721875,"end":178.43346875},{"speaker":"SPEAKER_01","start":178.68659375000001,"end":189.92534375000002},{"speaker":"SPEAKER_00","start":189.95909375000002,"end":195.91596875000002},{"speaker":"SPEAKER_00","start":195.96659375000002,"end":198.71721875},{"speaker":"SPEAKER_01","start":196.20284375,"end":196.64159375},{"speaker":"SPEAKER_01","start":198.63284375,"end":208.15034375000002},{"speaker":"SPEAKER_00","start":200.05034375000002,"end":200.52284375000002},{"speaker":"SPEAKER_01","start":208.62284375000002,"end":215.91284375},{"speaker":"SPEAKER_01","start":216.45284375000003,"end":217.56659375},{"speaker":"SPEAKER_01","start":217.85346875000002,"end":224.23221875000002},{"speaker":"SPEAKER_01","start":224.65409375000002,"end":232.61909375000002},{"speaker":"SPEAKER_01","start":232.80471875,"end":233.59784375},{"speaker":"SPEAKER_01","start":233.68221875,"end":236.26409375000003},{"speaker":"SPEAKER_01","start":236.68596875000003,"end":245.54534375000003},{"speaker":"SPEAKER_01","start":246.08534375000002,"end":248.39721875},{"speaker":"SPEAKER_01","start":248.73471875,"end":256.73346875000004},{"speaker":"SPEAKER_00","start":257.25659375000004,"end":262.04909375},{"speaker":"SPEAKER_01","start":263.07846875,"end":271.11096875000004},{"speaker":"SPEAKER_01","start":271.70159375000003,"end":276.84846875},{"speaker":"SPEAKER_01","start":277.06784375,"end":278.08034375},{"speaker":"SPEAKER_01","start":278.56971875,"end":283.83471875000004},{"speaker":"SPEAKER_01","start":284.64471875000004,"end":294.14534375},{"speaker":"SPEAKER_01","start":294.61784375,"end":301.28346875},{"speaker":"SPEAKER_01","start":301.63784375,"end":303.69659375000003},{"speaker":"SPEAKER_01","start":303.73034375000003,"end":308.52284375},{"speaker":"SPEAKER_01","start":309.28221875,"end":310.02471875000003},{"speaker":"SPEAKER_01","start":310.93596875000003,"end":321.24659375000005},{"speaker":"SPEAKER_00","start":320.79096875000005,"end":321.21284375000005},{"speaker":"SPEAKER_01","start":321.60096875,"end":328.08096875},{"speaker":"SPEAKER_01","start":328.31721875,"end":333.66659375},{"speaker":"SPEAKER_01","start":333.91971875,"end":336.95721875000004},{"speaker":"SPEAKER_01","start":337.17659375,"end":338.66159375},{"speaker":"SPEAKER_01","start":339.06659375000004,"end":340.04534375000003},{"speaker":"SPEAKER_01","start":340.29846875000004,"end":348.93846875},{"speaker":"SPEAKER_01","start":349.29284375000003,"end":358.18596875000003},{"speaker":"SPEAKER_01","start":358.59096875,"end":370.01534375},{"speaker":"SPEAKER_01","start":370.20096875,"end":375.51659375},{"speaker":"SPEAKER_01","start":375.55034375,"end":378.89159375},{"speaker":"SPEAKER_01","start":379.38096875,"end":386.18159375000005},{"speaker":"SPEAKER_01","start":386.26596875,"end":388.83096875},{"speaker":"SPEAKER_01","start":389.37096875000003,"end":390.01221875000005},{"speaker":"SPEAKER_01","start":391.10909375,"end":403.76534375},{"speaker":"SPEAKER_00","start":404.33909375,"end":411.69659375000003},{"speaker":"SPEAKER_01","start":408.23721875,"end":408.59159375},{"speaker":"SPEAKER_00","start":412.20284375,"end":413.94096875},{"speaker":"SPEAKER_00","start":414.32909375,"end":416.75909375000003},{"speaker":"SPEAKER_00","start":417.04596875000004,"end":417.46784375000004},{"speaker":"SPEAKER_00","start":417.70409375,"end":421.97346875000005},{"speaker":"SPEAKER_00","start":422.19284375,"end":424.53846875000005},{"speaker":"SPEAKER_00","start":425.07846875,"end":429.31409375000004},{"speaker":"SPEAKER_00","start":429.92159375,"end":433.58346875},{"speaker":"SPEAKER_00","start":434.07284375,"end":434.91659375},{"speaker":"SPEAKER_00","start":435.06846875,"end":437.63346875},{"speaker":"SPEAKER_00","start":437.80221875,"end":441.56534375},{"speaker":"SPEAKER_01","start":438.03846875000005,"end":438.20721875000004},{"speaker":"SPEAKER_00","start":441.71721875000003,"end":446.20596875},{"speaker":"SPEAKER_01","start":445.26096875,"end":452.02784375000005},{"speaker":"SPEAKER_01","start":452.36534375,"end":458.35596875000005},{"speaker":"SPEAKER_01","start":458.47409375,"end":469.49346875000003},{"speaker":"SPEAKER_00","start":468.54846875000004,"end":468.93659375000004},{"speaker":"SPEAKER_01","start":469.61159375000005,"end":473.94846875},{"speaker":"SPEAKER_01","start":475.26471875000004,"end":481.25534375},{"speaker":"SPEAKER_01","start":481.66034375000004,"end":494.36721875},{"speaker":"SPEAKER_01","start":494.82284375,"end":501.84284375000004},{"speaker":"SPEAKER_01","start":502.26471875000004,"end":507.81659375000004},{"speaker":"SPEAKER_01","start":508.28909375,"end":513.3515937500001},{"speaker":"SPEAKER_01","start":513.7903437499999,"end":520.43909375},{"speaker":"SPEAKER_01","start":520.84409375,"end":524.3372187500001},{"speaker":"SPEAKER_00","start":524.97846875,"end":525.2822187500001},{"speaker":"SPEAKER_00","start":526.07534375,"end":531.40784375},{"speaker":"SPEAKER_00","start":531.86346875,"end":534.76596875},{"speaker":"SPEAKER_00","start":535.1203437500001,"end":537.3984687500001},{"speaker":"SPEAKER_00","start":537.73596875,"end":540.58784375},{"speaker":"SPEAKER_01","start":538.86659375,"end":539.2209687500001},{"speaker":"SPEAKER_00","start":541.0603437500001,"end":545.46471875},{"speaker":"SPEAKER_00","start":545.8359687500001,"end":548.68784375},{"speaker":"SPEAKER_01","start":548.7890937500001,"end":549.2278437500001},{"speaker":"SPEAKER_00","start":549.00846875,"end":551.7253437500001},{"speaker":"SPEAKER_00","start":552.0290937500001,"end":553.04159375},{"speaker":"SPEAKER_00","start":553.3115937499999,"end":554.03721875},{"speaker":"SPEAKER_00","start":554.22284375,"end":559.6397187499999},{"speaker":"SPEAKER_00","start":559.67346875,"end":563.36909375},{"speaker":"SPEAKER_00","start":563.8415937500001,"end":565.02284375},{"speaker":"SPEAKER_00","start":565.30971875,"end":570.2878437500001},{"speaker":"SPEAKER_00","start":570.50721875,"end":571.7053437500001},{"speaker":"SPEAKER_00","start":571.90784375,"end":573.9328437500001},{"speaker":"SPEAKER_00","start":574.2534687500001,"end":577.3247187500001},{"speaker":"SPEAKER_00","start":577.52721875,"end":581.03721875},{"speaker":"SPEAKER_00","start":581.3915937500001,"end":582.7922187500001},{"speaker":"SPEAKER_00","start":583.14659375,"end":585.01971875},{"speaker":"SPEAKER_00","start":585.15471875,"end":587.80409375},{"speaker":"SPEAKER_00","start":587.9897187500001,"end":593.2209687500001},{"speaker":"SPEAKER_01","start":588.12471875,"end":588.1584687500001},{"speaker":"SPEAKER_01","start":588.1753437500001,"end":588.4115937500001},{"speaker":"SPEAKER_01","start":591.8034687500001,"end":600.1397187499999},{"speaker":"SPEAKER_01","start":600.35909375,"end":605.1515937500001},{"speaker":"SPEAKER_01","start":605.5734687500001,"end":606.7378437500001},{"speaker":"SPEAKER_01","start":607.34534375,"end":617.7234687499999},{"speaker":"SPEAKER_01","start":618.01034375,"end":623.4609687500001},{"speaker":"SPEAKER_00","start":622.1953437500001,"end":623.91659375},{"speaker":"SPEAKER_01","start":623.64659375,"end":632.0165937500001},{"speaker":"SPEAKER_01","start":632.38784375,"end":632.82659375},{"speaker":"SPEAKER_01","start":633.0122187500001,"end":649.41471875},{"speaker":"SPEAKER_01","start":650.5959687500001,"end":654.8315937500001},{"speaker":"SPEAKER_01","start":654.91596875,"end":660.11346875},{"speaker":"SPEAKER_01","start":660.26534375,"end":664.29846875},{"speaker":"SPEAKER_00","start":664.5009687500001,"end":667.0322187500001},{"speaker":"SPEAKER_01","start":665.32784375,"end":665.6315937500001},{"speaker":"SPEAKER_01","start":667.38659375,"end":668.21346875},{"speaker":"SPEAKER_00","start":667.82534375,"end":668.0278437500001},{"speaker":"SPEAKER_01","start":668.51721875,"end":669.4115937500001},{"speaker":"SPEAKER_01","start":669.8840937500001,"end":671.50409375}],"whisperx":[{"start":0.723,"end":26.942,"text":"委員好是 主委主委早安早那我們今天討論的主要的一個題目就是政府推動臺灣成為亞洲資產中心的一個具體作為還有就是他如何協助金融科技跟新創產業籌資的一個現況跟未來的發展是主委我想在這裡請教你所謂新創產業你如何用簡單的一個定義來定義它"},{"start":29.644,"end":54.094,"text":"新創確實在過去並不是金管會主政的單位我們大概是管理基金面的部分比如說我們在這裡面我們大概是針對比如說PE跟創投大概是我們在法規裡面所對象的內容所以新創在來講確實我們是比較沒有去從我們的法規去界定它但是我們的想像就是說我們的對於"},{"start":55.054,"end":55.074,"text":"賴惠"},{"start":64.494,"end":86.158,"text":"所以說基本上就是在未來就是亞洲資產中心其實我們有很多的一個創意的一個那個金融科技這樣的一個產物會產生出來對 有很多可能他們現在有很好的點子或很好的營業模式但欠缺資金去成為一個成熟的比如說可以上市櫃的標的之前"},{"start":86.658,"end":86.918,"text":"有各種多元的投資的機會"},{"start":106.94,"end":121.217,"text":"好 主委 臺灣金融科技你認不認同這一句話那認不認同這個就是臺灣當前的一個經濟的一個現況其實這個報告我也有注意到但是就是說"},{"start":122.557,"end":142.285,"text":"因為這個報告有很多類似都提到臺灣的民間財富是非常的...非常的這個...豐沛那我們想就是說我這裡有一個資料就是說我們從德國安聯集團發布的最新的全球財富報告裡頭它統計到2023年的年底其實臺灣的錢就是說"},{"start":146.127,"end":146.147,"text":"賴惠"},{"start":167.202,"end":170.785,"text":"財政部長翠雲、中央銀行、國家發展委員會財政部長翠雲、中央銀行、國家發展委員會財政部長翠雲、中央銀行、國家發展委員會"},{"start":190.283,"end":213.167,"text":"這也是我們推動亞洲資產管理中心在看看我們的環境條件一個觀察到的點確實我們在民間財富是非常豐沛是嘛 常戶移民嘛那你就看到民間的這個財富非常的豐沛那如果我們用我們自己的主計總處的一個調查那我們也看到了這個淨值 這個更精準每一個人是會達到669萬"},{"start":216.508,"end":219.951,"text":"主委在之前的一個論壇中你有特別提到了過去過去就是我們臺灣有非常充沛的一個銀行存款"},{"start":246.169,"end":250.172,"text":"確實我們現在的存款每年都在增加我們的超額儲蓄也在上升"},{"start":263.157,"end":263.497,"text":"賴慧琳議員"},{"start":284.691,"end":284.711,"text":"賴惠"},{"start":309.321,"end":309.341,"text":"賴惠"},{"start":325.683,"end":326.364,"text":"臺商的資金回臺的時候"},{"start":349.341,"end":349.361,"text":"賴惠"},{"start":379.421,"end":403.579,"text":"那我們也看到了他的金額已經超過2.1兆還有我們這個當然包括境外資金會會的一個專案的一個搭配等等所以其實我們有夠多的條件夠多的條件錢回來了我們要如何擴大投資臺灣的這一些計畫經濟部把錢帶回來了那金管會如何搭配"},{"start":404.626,"end":424.322,"text":"第一個就剛才提到就是說我們希望能夠多元投資標的所以我也有注意到我們的臺灣的資本市場對不對我們現在的這個這麼多年來比如說我們從大概現在今天大概是兩萬三千多點是整個市值呢大概已經到來到接近八十兆"},{"start":425.123,"end":440.011,"text":"我想這個就是我們提供的更多元的這樣一個投資標的當然就是說所以這裡我們也責成政經局還有兩個交易所持續的尋找更多優質的上市標的然後增加公司治理的這個品質"},{"start":441.872,"end":443.474,"text":"可是主委也是一樣啊你這個金管會管得那麼嚴那條文又那麼嚴謹那事實上就是你又要開放就是創新的一個產業"},{"start":457.769,"end":473.621,"text":"這個其實是不是會前後左手打右手當然這個是一個比較大的一個議題尤其就是說美國降息的一個趨勢又會有更多的錢回到國內這個就是我一直要本席要一直提醒你就是說"},{"start":475.302,"end":485.249,"text":"到底這樣子的一個投資環境對我們臺灣你如何來看待尤其是我們的貧富差距的一個問題那從2021年底臺灣家庭的財富平均是1638萬"},{"start":490.712,"end":490.732,"text":"賴惠"},{"start":508.345,"end":508.645,"text":"主委,怎麼辦?"},{"start":526.438,"end":548.199,"text":"這個跟委員報告這個議題確實不是我們金管會的專門不過我們在這部分我們想要努力剛剛委員有提到就是說怎麼樣市場安全跟開放之間做一個平衡這個確實是我們金管會很大的挑戰那我們也在這次推亞洲資產管理中心我們是希望一個全面的提升我剛才提到不是獨厚哪一個群體"},{"start":549.06,"end":564.861,"text":"因為每個群體對臺灣的貢獻都是有的我們也不會說但是就是說我們也希望能夠全民能夠普惠所以各位剛剛談到那個TESA的投資或是未來我們會在普惠金融商品的推出還有永續綠色商品這些都是"},{"start":565.382,"end":590.899,"text":"那剛剛比如貧富差距的話如果說金管會這邊剛剛講那個計畫也有考慮到這個內容不過確實這個是一個國家很大的問題我們的希望說透過我們資產管理中心能夠推動讓金融業的產業比如說我們的基層員工能夠提升他的薪資水準能夠把國外的這些因為我們的工作條件不好而在海外工作的年輕人把他請回來這些都是來解決這個貧富差距以後我想透過這個計畫"},{"start":591.86,"end":603.493,"text":"我想主委,招商引資、留財跟招攬更多的人才到臺灣來,我們都贊成。我們贊成政府那個英勢力導,那吸引更多的一個資金到臺灣來投資,建設臺灣。當然我"},{"start":607.421,"end":633.406,"text":"那個認同你的專區聚落我們要挑戰你那我也希望就是說你透過資產管理中心的相關的一個配套有效的利用資金那我希望這些資金回來的時候不是只有炒房不是只有炒股市那我們希望這些資金可以引入公建的一個計畫還有你的普惠永續金融的一個計畫的一個互相的一個配合所以我想這個是"},{"start":634.666,"end":634.686,"text":"賴惠"},{"start":650.623,"end":650.783,"text":"李燕秀委員"}]},"gazette":{"lineno":378,"blocks":[["賴委員惠員：（10時10分）謝謝主席，請主委。"],["主席：彭主委有請。"],["彭主任委員金隆：委員好。"],["賴委員惠員：主委早安。我們今天的主題是「政府推動臺灣成為亞洲資產中心之具體作為暨如何協助金融科技及新創產業籌資現況與未來發展」，主委，我想在這裡請教你，所謂「新創產業」，你如何用一個簡單的定義來定義它？"],["彭主任委員金隆：新創確實在過去，金管會並不是主政的單位，我們大概是管理基金面的部分，在這裡面我們大概是針對，比如說PE跟創投，大概是我們法規裡面所規範的對象跟內容，所以就新創來講，確實我們是比較沒有從我們的法規去界定它。但是我們的想像就是說，對於一些還沒有成熟到可以上市櫃之前的這些產業，我們都可以把它視為是新創來加以輔導。"],["賴委員惠員：所以基本上在未來針對亞洲資產中心，其實我們有很多有創意的金融科技產物會產生出來？"],["彭主任委員金隆：對，有很多可能他們現在有很好的點子或很好的營運模式，但是欠缺資金去成為一個成熟的，比如說可以上市櫃的標的之前，這些我們需要有一套機制去輔導他，像我也請交易所跟櫃買，能夠把輔導措施向下延伸到更前端，其實就是針對這些所謂的新創……"],["賴委員惠員：所以我們希望在臺灣創造出一個更靈活的投資環境？"],["彭主任委員金隆：是，有各種多元的投資機會。"],["賴委員惠員：好。主委，「臺灣錢淹腳目」，你認不認同這一句話？認不認同這個就是臺灣當前的經濟現況？"],["彭主任委員金隆：其實這個報告我也有注意到，但是因為有很多類似的報告都提到，臺灣的民間財富是非常的、非常的多……"],["賴委員惠員：豐沛。"],["彭主任委員金隆：對對對，這是確實。"],["賴委員惠員：好，本席這裡有一個資料，根據德國安聯集團發布的最新「全球財富報告」，它統計到2023年年底，臺灣的「人均金融資產淨值」以歐元計價在全世界排名第5名，我們如果看這張圖，裡頭顯示整個臺灣的「人均金融資產淨值」（不含負債）大概是臺幣520萬，在全球排序第5，而且這個還不是只有在2023年，2022年也是，前幾年都是這樣的狀況，所以，我們如果要說「臺灣錢淹腳目」，這個說法實在是不為過，不知道部長同不同意這樣一個說法？"],["彭主任委員金隆：這也是我們推動亞洲資產管理中心，再看看我們這個環境條件一個可以觀察到的點，確實我們民間的財富非常豐沛。"],["賴委員惠員：是嘛，藏富於民嘛。"],["彭主任委員金隆：是的。"],["賴委員惠員：你就是看到民間的財富非常的豐沛。那如果用我們自己主計總處的調查，這個調查更精準，我們也看到在110年底，家庭部門平均每人淨值分配會達到669萬，甚至在111年底的時候，每人的淨值是688萬，這份調查所指的「家庭財富」包含了房地產、現金（活存、定存和外匯存款）以及股票和債券等等這麼多，其實我們真的是非常有錢。","主委，在之前的一個論壇中你有特別提到，過去我們臺灣有非常充沛的銀行存款，總額接近55兆，用中央政府今年的預算規模來看的話，國內的存款總額足夠我們22年的開銷，你同意嗎？"],["彭主任委員金隆：確實我們現在的存款每年都在增加，我們的超額儲蓄也在上升。"],["賴委員惠員：沒有錯。簡單來講就是推動臺灣成為亞洲的資產中心，其實我們有很多的計畫，我們有很多的條件足以提出這個計畫，事實上，在金管會提出來的五大策略規劃裡頭，我們當然知道壯大資產管理，一直到最後的擴大投資臺灣，其實我最想跟主委談的就是如何推動臺灣成為亞洲的資產管理中心，因為我們看到在你這一個計畫其實做得非常的縝密，甚至在這五個策略的規劃當中，你還細列了十六個子策略，在這五大策略的規劃中，我先來跟你討論擴大投資臺灣的這個項目。"],["彭主任委員金隆：是。"],["賴委員惠員：那我想就是吸引外資來臺，外商跟臺商持續看好臺灣的投資環境，在我們臺灣投資的金額也創了新高，這其實非常明顯，那個數字都可以告訴我們，從2018年到2019年吸引外資來臺，我們臺商的資金回臺的時候，我們有看到國際經濟的情勢一直不斷的轉變，包括中美貿易的逆差還有全球化，就是資金也從中國撤回來了。在今年初我們國發會統計過去的8年跟之前相比，就是用8年為一個級距來比的話，外資的投資是從1.2兆倍增到8年後的2.5兆，這個其實在投資臺灣的三大方案裡頭，那我們也看到它的金額已經超過2.1兆，這個當然包括境外資金匯回專法的搭配等等。其實我們有夠多的條件，錢回來了，我們要如何擴大投資臺灣的這些計畫，經濟部把錢帶回來了，那金管會如何搭配？"],["彭主任委員金隆：第一個就是剛才提到的，就是我們希望能夠多元投資標的，如果委員有注意到我們臺灣的資本市場，我們這麼多年來，比如說今天大概是兩萬三千多點，整個市值大概已經來到接近80兆，我想這個就是我們提供了更多元的投資標的。我們也責成證期局還有兩個交易所持續的尋找更多優質的上市標的，然後提高公司治理的品質，讓更多的資金能夠自由、安全的進出臺灣的資本市場。"],["賴委員惠員：主委，可是也是一樣啊！你金管會管得那麼嚴，條文又那麼嚴謹，事實上，你又要開放創新的產業，這個是不是會左手打右手？當然這個是一個比較大的議題，就是因為美國降息的趨勢，又會有更多的錢回到國內，這個就是本席要一直提醒你的，就是到底你如何來看待我們臺灣這樣子的投資環境？尤其是我們貧富差距的問題，在2021年底臺灣家庭的財富平均是1,638萬，那中位數是894萬，最低所得家庭的財富只有143萬，這兩者的差距是24倍啊！臺灣雖然有錢的人非常多，可是窮困的人也真的是非常的窮，大家都知道說富人跟窮人之間其實貧富的差距還在持續的擴大，擴大的速度越來越快，主委，怎麼辦？"],["彭主任委員金隆：跟委員報告，這個議題確實不是我們金管會的專門，不過我們在這一部分想要努力，剛剛委員有提到怎麼樣在市場安全跟開放之間做一個平衡，這個確實是我們金管會很大的挑戰。我們這次推動亞洲資產管理中心，我們是希望做全面的提升，我剛才提到不是獨厚哪一個群體，因為每個群體對臺灣都是有貢獻的，但是我們也希望能夠普惠全民，所以剛剛談到那個TISA的投資，或是未來我們會推出普惠金融商品還有永續綠色商品，這些都是。至於貧富差距的話，金管會剛才講的那個計畫也有考慮到這個內容，不過確實這個是一個國家很大的問題，我們是希望透過我們資產管理中心能夠推動讓金融業的基層員工的薪資水準提升，能夠把這些因為我們的工作條件不好而在海外工作的年輕人請回來，這些都可以來解決貧富差距的問題，我想透過這個計畫來著力的地方。"],["賴委員惠員：主委，對於招商、引資、留才跟招攬更多的人才到臺灣來我們都贊成，我們贊成政府因勢利導，那吸引更多的資金到臺灣來投資、建設臺灣。當然，我認同你的專區聚落，我沒有挑戰你，那我也希望你透過資產管理中心的相關配套來有效的利用資金，我希望在這些資金回來的時候不是只有炒房，不是只有炒股市。"],["彭主任委員金隆：那當然。"],["賴委員惠員：我們希望這些資金可以引入公建的計畫，還有和你的普惠永續融合計畫互相配合，我想要特別跟主委提到這個。本席在這裡也要提出來，就是我希望在1個月內可以提出擴大投資臺灣計畫裡頭如何結合經濟部投資臺灣的三大方案，我們來推動REIT的專案或是壯大資本的市場，支持新創，請在1個月內給本席一個書面的回復。"],["彭主任委員金隆：是，沒有問題。"],["賴委員惠員：好，謝謝。"],["彭主任委員金隆：謝謝委員。"],["主席：謝謝賴委員，謝謝主委。接著我們請李彥秀委員。"]],"agenda":{"page_end":308,"meet_id":"委員會-11-2-20-4","speakers":["陳玉珍","林德福","吳秉叡","郭國文","賴惠員","李彥秀","李坤城","賴士葆","顏寬恒","黃珊珊","伍麗華Saidhai‧Tahovecahe","王鴻薇","王世堅","廖先翔","黃國昌","鍾佳濱","葉元之","沈發惠","葛如鈞","賴瑞隆","羅明才","邱志偉","林楚茵"],"page_start":225,"meetingDate":["2024-10-24"],"gazette_id":"1138901","agenda_lcidc_ids":["1138901_00005"],"meet_name":"立法院第11屆第2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、財政部莊部長翠雲、中央銀行、國家發展委員會、經\n濟部、交通部就「政府推動臺灣成為亞洲資產管理中心之具體作為暨如何協助金融科技及新創產\n業籌資現況與未來發展」進行專題報告，並備質詢","agenda_id":"1138901_00004"}}},"supported_relations":[],"relations":[]}