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那這樣的話我想這個委員有這樣的機會我們會盡快提出這個需求好 那就麻煩我覺得1月1號提出申請是一個不錯的日子兩個多月的時間把你的計畫我相信院長一定會支持好 接下來是今天很清楚就是金管會現在的金融科技我看到你們要成立一個處是嗎"},{"start":139.167,"end":161.801,"text":"是的,我們在因為已經行政委員合併我們現在正在籌備已經編了800多萬的預算是有這個野心請問這個處要做什麼這個處呢我們下面分成這個四個科第一個科叫做創新一科第二創新二科專門做創新實驗還有就剛才講未來金融科技的促進所以我想成立這些處是很好的事但是我覺得他們的功能跟人力可能還是不夠你接下來要管"},{"start":162.779,"end":162.799,"text":"好嗎?"},{"start":189.089,"end":215.647,"text":"只是一個處大概做不了這麼多事如果金融科技局包括剛剛講的新創基金包括你即將要列管的虛擬資產電子支付、融資公司這些其實都需要人力跟物力只有一個處應該做不到確實我們未來很多的新業務確實我們在人力上面以及經費上面確實要有一些新的想法我希望有機會在主委現在主政的情況下去跟行政院"},{"start":215.947,"end":221.989,"text":"主委,我們現在在109年蔡英文總統曾經宣誓也要打造高階資產管理中心現在又再講一次是以前做不好還是做不到"},{"start":240.775,"end":260.152,"text":"我想剛才講說其實歷任的……有什麼不一樣我覺得這是更全面性更普及的不限於高階我們是希望帶動各個金融產業這是銀行、證券、保險、投資、投庫只要是資產管理中心我們就是希望所有的錢都留在臺灣那留在臺灣的問題就在於是不是自由、是不是方便對吧"},{"start":261.02,"end":286.154,"text":"當然臺灣有很多的：當你說投資臺灣：是否有足夠的投資工具：多樣化的投資工具：滿足這種需求：是的：而且要讓他在這邊調度方便那現在的問題就在於我們有幾個問題今天我要問的是學者在財經一些學者是說外匯管制五百萬的美元限定每年每人每年三十二年沒有檢討所以央行這個部分的規定"},{"start":287.054,"end":308.812,"text":"如果要做資產管理中心這個部分32年了要不要討論一下外資應該沒有影響現在是個人的部分報告委員第一個我對他用外匯管制來強調這個問題其實是有爭議的沒關係每人每年500萬美金的部分可不可以做調整我提供您兩個數據做參考"},{"start":310.834,"end":337.9,"text":"我們的時間有限我只是說32年了要不要調整一下我先報告數據讓您知道就是說其實我們這些限制並沒有影響到我們一般的操作所以不影響不調整是嗎不是因為我們知道還沒有用到那個額度還不到所以我們希望能夠擴充到時候你再來檢討好嗎第二個部分是臺股交易的制度主委我們現在有一個臺股交易的"},{"start":339.881,"end":353.952,"text":"國際的趨勢美國開始已經實施T加1的結算交割那我們也在研究T加1的部分一一二年我們證交所已經做了相關的評估來證交所你們評估的狀況怎麼樣我們會朝向這個國際的趨勢嗎"},{"start":357.875,"end":369.841,"text":"跟委員報告那這個趨勢基本上現在是美國加拿大在用那事實上來講歐洲事實上也開始在研究那臺灣我們現在狀況基本上來講我的意思是說要做"},{"start":373.363,"end":401.582,"text":"所謂的資產管理中心這個可能也是其中一個項目是沒錯第三個部分證交所還有一個問題我們查過大概歐美的證券交易的時間大概都是6小時到8小時那亞洲大概比較低那臺灣只贏過中國我們4.5個小時那日本最近是5個小時還要再加半個小時這個可能也是不是可能跟資金調度或者是臺股交易可以增加外資的進展是不是也要做一些檢討"},{"start":402.262,"end":427.741,"text":"如果我們要做亞洲的資產管理中心的話這個部分來講的話我們當然都會事實上我們的交易時間也一直都在跟我們的證券商在做檢討我覺得這三個問題就是第一個500萬的部分第二個T加1第三個證券交易的時間如果我們要做亞洲資產管理中心我希望一併來做相關的檢討也給本席一個你們規劃或者是將來可能會做的一些調整可以"},{"start":428.041,"end":453.946,"text":"我覺得這是因為我看到金管會跟央行也非常有野心我們希望能夠成為所謂的把錢留在臺灣我們也希望錢真的進臺灣但是你要夠自由、夠方便這個也是我相信對我們的國人來說我們長期以來錢都在國外我們希望他們回來那就要有足夠的工具有足夠的方便讓更多的人願意把錢留在臺灣"},{"start":455.114,"end":456.074,"text":"彭主任委員"},{"start":476.328,"end":477.329,"text":"這件事情有點可怕"},{"start":490.589,"end":491.37,"text":"主委我們不是應該有所謂的銀行KYC嗎?"},{"start":510.121,"end":525.994,"text":"對 但是這個時間他也開了餐廳也開了公司但是現在看起來我們在國際形勢司法互助上面我們是個孤兒目前還沒有司法互助但是我們一直是洗錢防治機構的會員國不是嗎"},{"start":528.036,"end":546.634,"text":"我們在洗錢房子的部分在上一輪評鑑我們確實是得到蠻多的肯定所以這個案子現在已經出來了他擔任臺灣公司五家公司的負責人我相信只要他成為負責人他應該都會用到我們的金融服務除非他完全不開戶除非他只去"},{"start":547.675,"end":562.043,"text":"財政部買發票其他什麼銀行都不往來我覺得不太可能所以這個案子我們金管會有沒有繼續清查銀行在這端有沒有做過相關的風險評估或者是重新做KYC的調查"},{"start":570.992,"end":582.818,"text":"這個案子我希望金管會查一查因為為什麼我們透過相關的單位去了解之後我們發現了一件很有趣的事其實這個案這個人在2019年就已經有了負面報導"},{"start":584.019,"end":593.652,"text":"也就是他2019年已經有這個新聞在國際間已經有消息只要他在開戶的時候2019年那時候開戶的時候有做過相關的所謂的風險情報資料庫去調查去確認在國際上有沒有負面新聞"},{"start":601.442,"end":602.083,"text":"本國銀行對外國人開戶警戒性會更高"},{"start":625.024,"end":649.836,"text":"國際形勢調查的一些顧問但是我們是洗錢防治的會員所以洗錢防治這個個案我希望主委從今天開始至少在臺灣所有外國人開戶我們不是說所有人的問題只要進去這個資料庫再double check一次也許就可以找到更多這種所謂的國外的罪犯躲在臺灣而且我們竟然毫不知情"},{"start":650.196,"end":650.536,"text":"對,謝謝委員提供這個訊息我想應該是"},{"start":676.243,"end":677.084,"text":"謝謝黃珊珊委員接著我們請伍利華委員"}]},"gazette":{"lineno":685,"blocks":[["黃委員珊珊：（11時22分）謝謝主席，我想請彭主委、央行副總裁、財政部及證交所。"],["主席：請彭主委、嚴副總裁、林董事長。"],["彭主任委員金隆：委員好。"],["黃委員珊珊：主席及各位首長，今天有幾個問題，第一個，主委有看到我在禮拜二總質詢的時候，我跟院長請命，在國發基金裡面有非常非常多未來的幾支箭，金融科技新創也是賴清德總統重要的政見，推動亞洲金融科技創新中心，這些籌資的金額、相關的費用，我們希望院長能夠支持金融科技新創，所以院長講得很清楚，只要計畫周延，只要財力負擔可以，他就願意推動第五支箭。現在看起來國內的金控公司對於轉投資做新創的部分，除了凱基金以外，其實其他的金控興趣缺缺，所以院長已經同意了，只要有計畫就願意來匡列。從文化部文化創意產業、國發基金有智慧健康產業，數發部已經要到了AI新創基金，環境部正在爭取百億的綠色成長基金。主委，你什麼時候要提案？"],["彭主任委員金隆：謝謝委員對金融科技的支持，也感謝院長正面回應，剛才國發會詹副主委也有提到希望我們來提出計畫，其實過去我們針對這部分……"],["黃委員珊珊：我只有跟你要求時間就好了，你能不能像AI，明年1月1日開始受理申請？"],["彭主任委員金隆：委員有這樣的機會，我們會儘快提出這個需求。"],["黃委員珊珊：1月1日提出申請是個不錯的日子，兩個多月的時間，把你的計畫提出來，我相信院長一定會支持。今天很清楚的就是金管會現在的金融科技，我看到你們要成立一個處，是嗎？"],["彭主任委員金隆：是的，已經行政院核定，我們正在籌備。"],["黃委員珊珊：已經編了八百多萬元的預算，是有這個野心，請問這個處要做什麼？"],["彭主任委員金隆：這個處下面分成4個科，第一個科叫創新一科，第二個科叫創新二科，專門做創新實驗和剛才講的未來金融科技的促進。"],["黃委員珊珊：我想成立這些處是很好的事，但是我覺得它們的功能和人力可能還是不夠，你接下來要管虛擬資產，還有我們即將推的融資公司，最重要現在銀行局還在管電子支付，其實都跟新的金融科技有關。所以在上個會期我們已經提了金融科技局，希望金管會趁著現在組織改造的情況下，去跟行政院爭取你的人力、物力和金額，好嗎？"],["彭主任委員金隆：我們來思考看看。"],["黃委員珊珊：只是一個處大概做不了這麼多事，如果金融科技局，包括剛剛講的新創基金，包括你即將列管的虛擬資產、電子支付、融資公司，這些其實都需要人力和物力，只有一個處應該做不到。"],["彭主任委員金隆：我們未來很多的新業務，我們確實在人力及經費上面要有一些新作法、想法。"],["黃委員珊珊：我希望有機會在主委現在主政的情況下，去跟行政院爭取，體育部正在改組，所以趁現在可能有機會可以爭取得到。"],["彭主任委員金隆：謝謝委員的關心。"],["黃委員珊珊：我今天請幾位上來的主要原因是今天的題目叫作亞洲資產管理中心，主委，109年蔡英文總統曾經宣示要打造高階資產管理中心，現在再講一次是以前做不好還是做不到？有什麼不一樣？"],["彭主任委員金隆：我覺得這次更全面性、更普及，不限於高階，我們希望帶動各個金融產業，銀行、證券、保險、投信投顧。"],["黃委員珊珊：只要是資產管理中心，我們就希望所有的錢留在臺灣，留在臺灣的問題就在於是不是自由、是不是方便，對吧！"],["彭主任委員金隆：當然，臺灣有很多的……當你要投資臺灣，是否有足夠的投資工具、多樣化的投資工具來滿足這些需求。"],["黃委員珊珊：是的，而且要讓它在這邊調度方便，我今天要問的問題是，一些財經學者說外匯管制的每人每年500萬美元限制32年沒有檢討，如果要做資產管理中心，這個部分32年了，要不要討論一下？外資應該沒有影響，這是個人的部分。"],["嚴副總裁宗大：第一個，我對他用「外匯管制」來強調這個問題是有爭議的。"],["黃委員珊珊：沒關係，每人每年500萬美金的部分可不可以調整？"],["嚴副總裁宗大：我提供你兩個數據作參考，我們從……"],["黃委員珊珊：我時間有限，我只是說32年了，要不要調整一下？"],["嚴副總裁宗大：我先報告數據讓你知道，其實我們這些限制並沒有影響到一般的操作，因為我們……"],["黃委員珊珊：不影響、不調整，是嗎？"],["嚴副總裁宗大：不是，因為我們知道還沒用到那個額度。"],["黃委員珊珊：還不到嘛！所以我們希望能夠擴充，到時候你再來檢討。第二個是臺股交易的制度，主委，現在國際交易趨勢，美國已經開始實施T+1的結算交割，我們也在研究T+1的部分，112年證交所已經做了相關的評估，你們評估的狀況怎麼樣？我們會朝向這個國際的趨勢嗎？"],["林董事長修銘：這個趨勢現在是美國、加拿大在用，事實上歐洲也開始在研究，臺灣現在的狀況基本上來講……"],["黃委員珊珊：我的意思是說要做資產管理中心，這可能也是其中一個項目。"],["林董事長修銘：是，沒錯。"],["黃委員珊珊：第三個部分，證交所還有一個問題，我們查過歐美的證券交易時間大概都是6到8小時，亞洲比較低，臺灣只贏過中國，我們4.5小時，日本最近是5小時還要再加半小時，這是不是也可能跟資金調度或者臺股交易可以增加外資的進展，是不是也做一些檢討，如果我們要做亞洲的資產管理中心的話。"],["林董事長修銘：事實上我們交易時間也一直在跟證券商檢討。"],["黃委員珊珊：我覺得這三個問題，第一個500萬元的部分，第二個T+1，第三個證券交易時間，如果我們要做亞洲資產管理中心，我希望一併來作相關的檢討，也給本席一個規劃或將來的可能會做的一些調整。"],["林董事長修銘：可以。"],["黃委員珊珊：因為我看到金管會和央行非常有野心，我們希望能夠把錢留在臺灣，我們也希望錢真的進臺灣，但是你要夠自由、夠方便，我相信對國人來說，我們長期以來錢都在國外，我們希望它們回來，那就要有足夠的工具、足夠的方便讓更多的人願意把錢留在臺灣，好不好？"],["林董事長修銘：好。"],["黃委員珊珊：這3個問題就麻煩各位首長大概1個月之內給我初步的檢討方向，好嗎？主委，我們現在發現一件事，在2019年有一個義大利從事汽車租賃的人跑到臺灣來躲了5年，最近被國際刑警組織的西班牙幾個男子發現我們現在臺灣已經成為罪犯金盆洗手的退休天堂，這件事情有點可怕，這個通緝犯的新聞現在才出來，但是他在2019年就已經到臺灣，而且2019年他老婆已經開了很多家公司，有5家的公司都是用他的名字。主委，我們不是應該有所謂的銀行KYC嗎？但是這個時間他也開了餐廳、開了公司，現在看起來我們在國際互助上面是個孤兒，目前還沒有司法互助，但是我們一直是洗錢防制機構的會員國，是嗎？"],["彭主任委員金隆：是，我們洗錢防制的部分在上一輪的評鑑確實得到滿多的肯定。"],["黃委員珊珊：這個案子現在已經出來了，他擔任臺灣5家公司的負責人，我相信只要他成為負責人，他應該都會用到我們的金融服務，除非他完全不開戶，除非他只去財政部買發票，其他什麼銀行都不往來，我覺得不太可能，所以這個案子金管會有沒有繼續清查銀行端有沒有做過相關的風險評估或重新做KYC的調查？"],["彭主任委員金隆：如果有涉及到銀行沒有完備洗錢防制法該有的管理程序，如果我們有這樣的資料……"],["黃委員珊珊：這個案子我希望金管會查一查，因為我們透過相關的單位去瞭解的時候發現一件很有趣的事，其實這個人在2019年就已經有負面報導，也就是他2019年已經有新聞，在國際間已經有消息，只要他在2019年開戶的時候有做過相關的風險情報資料庫調查，去確認在國際上有沒有負面新聞，他就應該可以查得到。"],["彭主任委員金隆：我想本國銀行對於特別是外國人開戶應該警戒心會更高。"],["黃委員珊珊：是，所以在2019年有這個新聞，這個新聞現在去找還在，表示2019年假如我們對外國人開戶有查證過，不會到今天才知道他在這裡，其實我們是國際刑事調查的孤兒，但是我們是洗錢防制的會員，所以洗錢防制的這個個案，我希望主委從今天開始至少針對所有外國人在臺灣開戶，我們不是說所有人都有問題，只要進去這個資料庫再double check一次，也許就可以找到更多這種國外的罪犯躲在臺灣，而且我們竟然毫不知情，現在被爆出來，發現我們一無所知，可是他又開了這麼多公司。"],["彭主任委員金隆：我們會去瞭解他到底有沒有在銀行開戶。"],["黃委員珊珊：我們的銀行端當時有沒有去做到所謂的國際負面新聞的調查，這個部分可能要金管會把這個漏洞補起來。"],["彭主任委員金隆：謝謝委員提供這個訊息。"],["黃委員珊珊：多久可以給我一個回答？"],["彭主任委員金隆：應該1個月之內把資料給委員。"],["黃委員珊珊：1個月之內給我一個回答，而且這個部分可能要公示，尤其是要求接下來的不管是銀行端，可能都要做相關資訊的調查。"],["彭主任委員金隆：當然，如果有涉及到一些不合規、不合法的事情，我們會接續處理。"],["黃委員珊珊：要確實執行，如果當時有查的話，應該就不會讓他開這麼多公司了，謝謝。"],["彭主任委員金隆：理解，謝謝。"],["主席：謝謝黃珊珊委員。","接著請伍麗華委員。"]],"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":[]}