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率臺灣證券交易所股份有限公司林董事長修銘及財團法人中華民國證券櫃檯買賣中心陳董事長永誠．中央銀行分別就．從ETF熱賣看政府如何健全投資管道引導民間游資．避免熱錢過度投入房市．進行專題報告．並備質詢"},{"start":1882.737,"end":1910.578,"text":"好先介紹在場委員與官員首先我們介紹資深的我們立法院財政委員會委員吳秉樂部委員金管會主委黃天牧黃主委營養局莊秀元局長政區局副局長高金平保險局局長施瓊華檢察局局長張子昊我們臺灣證券交易股份有限公司總經理簡立中"},{"start":1912.421,"end":1928.968,"text":"以及櫃檯買賣中心董事長陳永誠、總經理李愛玲、央行副總裁嚴忠大勇副總裁好現在今日議程"},{"start":1931.304,"end":1951.571,"text":"我們今日議程安排邀請我們金管會黃天牧主委還有櫃買中心以及我們證交所、中央銀行分別就從ETF熱賣看政府如何健全投資管道引導民間游資．避免熱錢過度投入股市．進行專案報告．並備質詢現在請金管會主委進行專題報告"},{"start":1966.747,"end":1981.161,"text":"主席、各位委員先進今天陳貴委會邀請就ETF熱賣看政府如何健全投資管道引導民間游資避免熱錢過度投入房市進行專案報告"},{"start":1982.802,"end":2008.084,"text":"以下僅就ETF在國內外市場發展概況以及金管會過去所採取的措施進行說明再針對健全投資管道金管會近期推動或規劃的多元化投資商品及制度面措施說明我想跟委員報告因為時間有限我就用摘要的方式做報告"},{"start":2010.003,"end":2037.542,"text":"有關ETF的簡介我就略而不談第二頁ETF的特性它的特性當然就是透明度高因為它的成分股會定期對外揭露它可以分散投資的風險那第二個當然雖然它相對可以分散投資風險並不表示它沒有風險那哪些風險投資人要注意比方市場風險"},{"start":2039.505,"end":2058.933,"text":"交易的折翼價風險、交易不活絡時面臨的流動性風險以及它追蹤指數時可能產生相關的差異的追蹤誤差風險那或者也可能產生一些特定事故發生之後產生的下市至終止上市風險"},{"start":2061.274,"end":2087.416,"text":"那當然ETF是追蹤相關的指數那這種指數的編制原則跟大盤指數不同所以ETF的績效表現也未必跟傳統的大盤指數一致那第二點ETF的這個市場概況請各位翻到第4頁到今年2月底指"},{"start":2088.992,"end":2099.557,"text":"臺灣的ETF市場共有241檔ETF掛牌交易其中227檔是有關證券投資信託的14檔是期貨的合計是4兆1990億元那有關證券投資信託部分有4兆1755億元占整個證投信基金7兆多的58.05%"},{"start":2115.338,"end":2121.071,"text":"這裡大家關心的是投資國內有價證券臺股的ETF大概佔48檔規模1兆5278億元"},{"start":2125.765,"end":2154.619,"text":"那根據證交所的資料顯示到今年1月底為止所有上市櫃48檔臺股所持有的股票的市值占全市場股票市值的2.38那這兩年來ETF的交易的成份股的成交值跟成交股數在整體股市成交值跟股數比例大概就是1左右那如果我們把"},{"start":2156.002,"end":2180.454,"text":"投信基金以股票為主的投信基金的5175億加在這個ETF的以股票為主的ETF合計大概整個佔市值也不過大概3.15左右那亞洲地區來講我們的ETF的規模是第三成交值是第五接下來我跟各位報告其實在過去這幾年來"},{"start":2182.981,"end":2199.701,"text":"以臺股為標題的ETF包括債券ETF都是不斷地在成長但金管會對於ETF的監理不是只有現在我們過去這數年來其實已經不斷地在關注這個市場在採取相關的措施"},{"start":2200.987,"end":2225.306,"text":"那當然近期內的熱絡的現象我們也會從投資教育宣導強化配息資訊揭露跟參考國際監理趨勢及辦理專案檢查來加強各類的措施這裡簡單的跟各位委員報告那投資人層面部分一定要非常落實認識客戶跟認識商品"},{"start":2227.812,"end":2242.485,"text":"當然尤其投資人在初級市場申購ETF必須要做好前面這些KYP跟KYC的工作尤其在文宣上面公會有相關的會員及其銷售機構從事廣告營業活動的規範"},{"start":2246.577,"end":2269.464,"text":"交易宣導部分我們在去年11月7日就已經喊請交易所購買中心跟工會要強化ETF投資觀念的宣導尤其要透過新型態的媒體管道來提升對於年輕族群宣導的觸及率也請工會抽合廣告內容的妥適性"},{"start":2271.004,"end":2291.625,"text":"提醒業者要遵循廣告的規範不希望投資人誤解商品另外也請證交所要建置投資常用的參考資料的單一查詢入口我們也會定期發布新聞稿提醒投資人第七頁至於說最近"},{"start":2292.506,"end":2314.833,"text":"因為很多投信所推出的配息的ETF這個配息有相關來自評準金的或是對於配息的相關的資訊有不夠清楚的我們有採取相關的措施我們除了請投信公會加強查核ETF配息的廣告外"},{"start":2316.235,"end":2339.371,"text":"並且在今年的1月15號請工會修正了配息的相關廣告規範包括不得以月配息為廣告或銷售的主要訴求不應以年化配息率為廣告的內容如果配息是來自收益本評準金的資訊揭露應該要加注"},{"start":2340.481,"end":2366.339,"text":"基金的配息來源可能為收益評準金的僅餘每日在公司網站公布禁止的組成項目以及在公司網站建置收益評準金專區及參考事例我們也會加強配型型ETF的審查跟加強ETF的資訊介入以及訂定收益評準金的分配原則"},{"start":2368.271,"end":2382.166,"text":"第9頁,我們也在最近這5年有將ETF列入年度檢查重點今年1月,也曾經對幾家承作量較大的投信公司辦理專案檢查"},{"start":2384.346,"end":2410.407,"text":"包括下面這些銷售募集、配息政策、評準金使用原則等等那我們也看到了在這幾家比較大型的投信公司的缺失往往也看到了它在廣告型銷警語上沒有以顯著方式介入或者對於指數的追蹤方面、列管方面有可以再改進的地方另外"},{"start":2411.212,"end":2438.863,"text":"金管會在今年的2月底也發布新聞稿參考了國際證券管理機構組織對於ETF全球的管理規範的一個指引訂立了相關的措施包括產品結構面的管理包括資訊介入包括流動性提供第10頁目前規劃的強化管理措施包括"},{"start":2440.455,"end":2455.544,"text":"我們在日常的監理跟檢查發現投信公司跟網紅的合作上面有需要加強的地方因為發覺投信透過網紅從媒體從事基金的付費置入性行銷廣告"},{"start":2458.22,"end":2478.019,"text":"跟工會的廣告規範上面是不是有不同這部分要求進一步的去規範所以我們已經在年初請工會去修正廣告規範增訂相關的自律規範原則上會在今年6月底前完成"},{"start":2479.619,"end":2502.43,"text":"另外我們也非常關心國際間對於尤其是國際證券管理機構對於財經網紅的國際監理的規範我們會密切注意國際的規範適時納入第二點大家關心的ETF是不是會成份股過度雷同有所謂集中度風險的問題"},{"start":2504.321,"end":2522.015,"text":"所以為了要掌握ETF投資規模帶來的相關風險我們已經在今年1月初喊請交易所購買中心督導投信事業要針對規模較大的ETF管控相關的投資風險以及研擬相關的風險抵禦力機制"},{"start":2525.785,"end":2554.337,"text":"也請兩個交易所要評估市場面臨的交易風險以及嚴厲適度的強化風險控管的措施我們也請交易所要掌控個別股票ETF對個別股票持有的狀況作為將來指數審查的參考並且要建立整個市場的資料庫來定期監控當然最重要一點除了"},{"start":2555.785,"end":2568.953,"text":"除了這個日常的監理之外我們今年也會以這個投信的ETF作為我們金融檢查的重點那麼這些重點就包括我們過去看到的缺失跟現在大家關心的議題"},{"start":2571.434,"end":2600.513,"text":"至於說今天這個主題中有關如何推動多元化的投資商品我想第一點也非常感謝行政院在上禮拜通過了不動產證券投信投顧法我們會將不動產投資信託基金所謂REITs以基金方式發行而報送到大院來審核那這樣一個商品其實是可以提供國人新的一個投資的管道"},{"start":2602.264,"end":2625.389,"text":"另外我們也在規劃多重資產型跟主動型的ETF那是另外一種形式的ETF如果配套措施完備也可以提供國人另外一個投資管道另外我們也有交易所跟櫃買中心都有創新版的設置櫃買中心也有永續債券商品的投資"},{"start":2627.591,"end":2647.427,"text":"第15頁我們也放寬了銀行辦理高資產客戶適用的相關的規定到今年1月底已經有近7400人他的規模大概在8800億是屬於高資產的客戶那證券商部分擁有857個人交易金額是1500億左右"},{"start":2650.376,"end":2676.451,"text":"我們會繼續精進法規尤其是延攬國際間辦理財富管理有經驗的機構加入這個市場在第17頁證券商財富管理信託服務部分目前正在積極研擬中另外我們也鼓勵券商辦理客戶定期定額方式購買股票跟ETF我到113年2月抵止也有155萬人在做這樣的一個投資"},{"start":2681.328,"end":2683.329,"text":"提供國人一個更多投資管道的選擇"},{"start":2710.865,"end":2725.808,"text":"另外我們為了推動普惠金融也精進盤中領股交易制度去年11月我們的資訊揭露時間縮短成5秒那到今年12月我們會把整個交易的時間也縮短成5秒"},{"start":2727.932,"end":2742.861,"text":"另外大家關心的是臺股是不是只有大型權值股是佔整個的這個交易或市值的主流那我們也從2021年開始推動優質股票造勢制度"},{"start":2744.239,"end":2769.478,"text":"這部分績效在20月各位可以參考另外我們也推動國人退休準備平臺我想結語是ETF是一個可以使投資人以有限資金投資一燃子股票跟債券適合長期持有有助於吸引更多投資人進入市場而且全球各國對ETF的推動也都是非常的積極"},{"start":2770.899,"end":2799.673,"text":"那這個商品基本上我想對國人投資理財是正面的重點是我們怎麼適度的監理提醒民眾瞭解ETF的風險也在行銷過程中投資人不至於被不當的行銷管道所誤導我想這是我們要繼續努力的以上報告 謝謝好 謝謝黃主委的報告我想我們在場的這個法定人數已經足夠我想先確認一下這個意思現場有沒有什麼意見"},{"start":2801.428,"end":2808.091,"text":"主席各位委員今天呈邀前來貴委員會專題報告自感榮幸以下請就本行業務相關部分提出報告"},{"start":2828.223,"end":2831.287,"text":"第一節我們要說明是由於臺灣的長期淨產站順暢與超額儲蓄以致國內資金充足"},{"start":2837.216,"end":2862.108,"text":"第一點,臺灣的經濟成長動能高度仰賴國外需求也造成了我們長期的金殘障順差第二點,金殘障順差反映國內的超額儲蓄臺灣超額儲蓄的累積也使得國內資金充裕各位在圖一可以明顯的看到我們的金殘障特別是自109年以來金殘障順差的規模金額才持續在增加"},{"start":2863.561,"end":2883.104,"text":"第三點 臺灣的國民儲蓄率遠大於國內投資率近10年超過儲蓄率都持續超過10%我們看到下一頁的圖二第二節我們想說明的是本行採取措施來沖消餘裕資金並持續在公開市場上操作"},{"start":2884.025,"end":2899.252,"text":"第一點,國內銀行資金充裕本行進行公開市場操作來調節金融由於資金充裕銀行並無向本行申請隆通資金的需求為回收銀行體系餘裕資金"},{"start":2900.473,"end":2928.568,"text":"本行持續發行各種天期的長期定存單來沖銷資金在資金寬鬆的時候我們透過發行定存單來回收餘裕資金那第三點我們想說明的是在本行沖銷市場資金之下銀行的資金維持在一個妥適的水準除了公開市場操作之外本行的操作工具還有包括了存款準備金制度與銀行轉存款"},{"start":2929.878,"end":2934.031,"text":"截至去年底各項操作工具的沖銷金額達到12.9兆元"},{"start":2937.554,"end":2960.993,"text":"第三點我們想說明的是銀行存款資金的運用有它的限制性銀行實務運作上常常需要持有超額準備過去外界多將銀行存放款的差額視為或簡化為爛頭寸這種看法實際上與銀行實務有所差距的請大家翻到下一頁"},{"start":2962.054,"end":2985.843,"text":"我們這邊用一個去年底的本國銀行資料為說明銀行存款的資金高達54.9兆那扣除法定資金用途以後銀行可以運用的資金為42.14兆元那其中用於放款、金融投資剩下來的超額準備大概只有0.01兆相當於100億左右銀行"},{"start":2990.485,"end":3004.529,"text":"銀行資金除了用於購買金融性資產收取獲利之外它也會因應不確定因素而保有不具收益性的超額準備各位可以看一下圖山我們列示臺灣的那個"},{"start":3007.09,"end":3007.13,"text":"第5頁說明"},{"start":3030.161,"end":3055.08,"text":"本函實行選擇性信用管制措施．落實信用資源有效分配配合行政院的健全房市市場方案本函五度調整選擇性信用管制措施．避免過多信用資源流向不動產市場此外本函的升息與調升存款準備率政策．亦有助於強化選擇性信用管制的成效"},{"start":3056.837,"end":3072.855,"text":"第二點我們要說明是為緩緩熱錢流入房市的投機炒作相關部會已陸續提出相關的改善措施有助於抑制國內的不動產炒作及囤屋現象請大家翻到下一頁"},{"start":3075.25,"end":3089.88,"text":"第4節我們想說明的是一善用超額儲蓄資金投入國內國內外的實體投資以促進經濟平衡發展這裡我們列出以下三點面向建議提供大家參考"},{"start":3090.799,"end":3109.789,"text":"第一點 增強民間部門參與公共建設的量能並同時為因應少子化、高齡化的趨勢以及淨零排碳的目標推動相關的基礎建設第二點 為因應家庭部門的儲蓄率高可以引導民間資金投入金融服務業及財富管理業務"},{"start":3111.01,"end":3137.632,"text":"第三點,善用超額儲蓄進行跨國併購．以取得關鍵技術及戰略性資源．並協助產商全球布局．鞏固其全球價值鏈的地位最後在結語的部分,我們想說的是．未來本行將繼續持續運用各種貨幣政策操作工具．促進國內信用資源有效配置．降低金融市場及不動產市場的風險以上報告,請各位委員指教,謝謝"},{"start":3138.593,"end":3160.901,"text":"好 謝謝嚴副總裁我們現在開始進行詢答先做一下的宣告每位出席委員發言時間為8分鐘必要時間延長2分鐘每位列席委員發言時間為5分鐘必要時延長為1分鐘今天上午10點半為止結旨發言登記現在依照登記的順序請登記第一位林德福委員質詢"},{"start":3168.979,"end":3172.982,"text":"為了買高股息的ETF"},{"start":3193.442,"end":3211.287,"text":"有很多人賣房子賣房金來搶ETF連銀行定存都被民眾大幅度的來解約來轉進那我請問主委網紅話術是不是造成亂象的一個主因您的看法呢我跟委員報告"},{"start":3213.061,"end":3223.477,"text":"金柏林最近這一檔我們的檢察局在今年年初針對幾家大型投信他們做ETF投資的這個行銷發覺這是一個因素"},{"start":3226.487,"end":3250.185,"text":"發覺怎麼樣?發覺這個投信公司跟網紅之間他是有一些商業上的連結但是網紅他並沒有去揭露他跟投信之間的關係有置入性行銷的這樣子的味道所以我不敢說是全部的因素但是網紅因為他有社會的一個某種程度的公信力他是有影響力的我覺得這可能是因素之一"},{"start":3252.385,"end":3266.263,"text":"主委就您的了解國內銀行定存利率最高是多少2點多那你認為股票配息會不會比定存好"},{"start":3268.564,"end":3295.507,"text":"要看買什麼股票不一定股票也有漲有跌因為月配息性質的ETF縱使金管會解釋說收益平準金的機制期待亂象降溫但是ETF難道不是與股票連動這個同步高低起伏嗎ETF如果是債券的話它當然有定期有配息股票其實是股利啦"},{"start":3296.192,"end":3320.971,"text":"那這個席這個字在用字上是有一點廣闊性的做法那當同時你配席越頻繁其實中間公司應該要讓投資人知道它的成本因為你配席有一些作業成本好 那我請問ETF是不是因為越配席而導致淨值折價乘5折的市價呢"},{"start":3323.351,"end":3337.425,"text":"報告委員我個人比較努動不太領導您的意思不過當然國人是比較喜歡這種定期能夠拿到一些配息的這種要是不是的話那難道不是比買股票還要好嗎"},{"start":3339.861,"end":3355.422,"text":"可是你的ETF是不是一定能夠你的成分股是不是一定都能夠上漲或能夠產生足夠的股利或是利息這個恐怕要看成分股的整個的漲跌才能夠決定ETF的整個的走勢"},{"start":3356.611,"end":3384.283,"text":"因為買股票會因為股價起伏的行情造成高買低賣而且恐怕連配息都無望反之啊如果月配息的ETF會折價五折那請問那些被選定這些優質成分股難道不是也會呈現崩跌的這種狀況嗎其實我跟您報告您剛剛指示的就好像"},{"start":3385.458,"end":3407.127,"text":"我們的基金也有很多宣示說這個基金有配息可是他會說他告訴你的這個績效也許是過去的績效但並不表示過去的績效會保證是未來的績效這個在基金的資訊上都有去揭露的我想ETF同樣也是如此並沒有說過去的績效可以保證未來的績效那更不用"},{"start":3408.889,"end":3434.151,"text":"說能夠有配息的這些機會主委事實上金管會要求網紅在行銷合規投信廣告行銷自律本席都覺得有其必要但比較金融商品的獲利差異化讓客戶自由選擇合一的商品來投資難道完全不行嗎"},{"start":3436.37,"end":3445.143,"text":"我們的立場跟委員是一致的各種金融商品是中性的但它有它的風險屬性重點是金融機構要把適合"},{"start":3446.451,"end":3472.41,"text":"投資人風險屬性的商品賣給投資人而不要誤導投資人我覺得這是重點我請請教齁四大基金到底有沒有買ETF有沒有我我不瞭解因為我沒有管四大基金因為這個應該要去了解一下請問主委你認為買上市櫃的股票能夠引進這個平準金的機制嗎"},{"start":3475.151,"end":3496.323,"text":"股票沒有什麼平準金的價值只有ETF創造了一個平準金的價值如果可以本席相信股票流通性應該也會像高息的ETF一樣活絡只是有可能嗎如果不可以那麼高息的ETF的風險難道不會比股票"},{"start":3497.759,"end":3498.68,"text":"金管會預估2024年台股日均量約有差不多3000億"},{"start":3528.016,"end":3537.883,"text":"今年過了兩個月臺股成交量似乎看起來是越來越熱那你認為有沒有股市特定族群這些類股過熱的情形狀況"},{"start":3540.595,"end":3561.332,"text":"大委員我們現在今年從年初到現在臺股每天的交易量平均是3700多億比去年同期大概提高了百分之好像去年2000提高百分之60左右我記得對不對是6成左右所以是有交易量是有大幅提高是"},{"start":3562.032,"end":3586.488,"text":"據瞭解臺灣ETF在1月規模破4兆元一年內增加差不多1.5兆近期元大投信發行的月月配息ETF更是民眾大家一窩蜂的去瘋搶那請問主委對於近期發行的ETF的申請狀況你認為到底有沒有異常的現象"},{"start":3588.035,"end":3612.692,"text":"報告委員最近就有兩檔那前面兩檔有一檔是金控有一檔是非金控那現在加上元大這一檔那我想因為這一檔上禮拜才募集告一段落那4月1號才要掛牌那我想我們會再瞭解這一檔有什麼特別的一些大家關心的問題那其他部分我想"},{"start":3613.755,"end":3633.674,"text":"今年我們的檢查也會把投信的ETF的發行銷售作為檢查的重點那個主委對ETF是不是目前台股量能的主力你說必須細部的去分析但是主委你說ETF是追蹤指數被動型的一個投資"},{"start":3635.518,"end":3655.147,"text":"或許穩健商品但是如果籌碼雜亂也就是散戶買、中時戶買、大戶也買甚至於外資熱錢都進來也參與一咖請問主委穩健的ETF到底有沒有變成風險金融商品的可能"},{"start":3656.327,"end":3685.248,"text":"會不會是委員您關心的重點非常非常重要謝謝您不過我們在報告第5頁上面有提到過整個的以臺股為標題的ETF的成交值跟股數占整個臺股只不過1%左右所以其實這個1其實基本上它的影響是可以被管理的是不大的這樣喔對ETF規模成長快速到底是正常的現象還是異常的現象依您看勒"},{"start":3686.943,"end":3712.844,"text":"我們的規模其實跟其他國家比是沒有那麼大但是我們近年的成長比率是比較高那我想這個部分有一部分因為可能國人對於未來這個理財的需求那另外其他國家的ETF比較不太常見像我們國人這種配息每月配息、季配息那這個部分可能是國人的"},{"start":3714.125,"end":3721.072,"text":"比較習慣喜歡的商品所以可能投核了國人的習性所以得到大家的喜好"},{"start":3721.772,"end":3749.15,"text":"因為從臺股ETF規模持續攀升至1兆5278億元以及最近的申購熱潮似乎有互制民國78年股市第一次上萬點和尚尼姑都進場的這種態勢也難怪央行總裁楊總裁對ETF申購熱提出羊群效應的示警"},{"start":3749.77,"end":3759.242,"text":"那根據政期局主秘表示啊ETF指數沉混股實際這個實際上是重目新高"},{"start":3760.952,"end":3781.501,"text":"當ETF檔數越來越多那成分股集中度集中度過高就是一大風險再加上金管會最擔心投資人實際上並不了解商品本質以及特性就殺出來投資甚至於出現信貸去借來申購"},{"start":3785.463,"end":3805.841,"text":"等等相對不理性的投資行為請問主委金管會對ETF的三大面向六大監理措施對於投資人恐怕如同灰而撲火一樣來申購ETF的行為能不能發揮冷靜踩煞車的效應您有什麼看法"},{"start":3806.542,"end":3825.484,"text":"我覺得我們的架構措施不是現在才做我們從去年年底就開始做我覺得我們對於怎麼樣讓投資人正確了解ETF的風險跟特質以及在行銷過程中不要誤導投資人去做了不正確的選擇這是我們努力的方向最後一點"},{"start":3828.28,"end":3846.542,"text":"雖然監理措施主委表示並不是認為ETF對臺股成交量可能有負面的影響所以說才出手但是本席希望不會發生像10多年前購買林董債商品的這個憾事而且去年年初開始明華"},{"start":3847.743,"end":3872.761,"text":"這個修改18歲的成年本席是希望金管會能夠提供並創造健全的投資環境給這些剛成年的青少年因為我最近有聽到很多他們都在談就在談ETF那不要進入了成年就面臨充滿險惡的這些投資環境猶如吸金詐騙一樣主委你認為金管會是不是應該要有這樣的一份擔當"},{"start":3873.962,"end":3878.364,"text":"委員這就是我們要做的謝謝您提醒我們好謝謝謝謝林鄭夫委員質詢接著我們請吳秉瑞委員質詢主席麻煩請金管會黃主委有請黃主委"},{"start":3902.583,"end":3930.952,"text":"委員長這位早齁這個跟你請教最近這個ETF它熱銷的原因你覺得主要是什麼我們的業者他知道國人喜歡這種配息的或是越配息的所以用這種商品來吸引投資人那中間加上一些行銷上我認為至少從檢查結果看出來行銷上的一些手法跟工會的廣告規範是有差異的"},{"start":3931.832,"end":3951.214,"text":"那國人也不見得完全清楚他買的ETF的性質因為很多績效是過去的不見得代表未來那發行ETF是特定的這一些投信公司嘛證券投信公司所以加速並不是很多啊如果你要加強管理應該不是很困難"},{"start":3952.492,"end":3963.96,"text":"是那剛剛有提到說用高股息這樣子的名稱基本上他如果用這樣的名稱就已經有誤導的成分在裡面了"},{"start":3965.547,"end":3989.785,"text":"會不會有這樣的感覺代委員其實我深有同感而且不只是這個商品委員您記不記得儲蓄型的保單也是去跟定存去比那現在這個投信的配息也是跟定存比我認為非常不當因為中文上面的這個高股息它本身就有一定的評價以這個為標的然後在這邊宣傳高股息不知道人一聽就說這個獲利很好"},{"start":3992.287,"end":4017.761,"text":"他就是會去誤會了說投資有賺有賠常常在看的那個警語再來就是如果發行的量很大那成分股又很集中因為臺灣的股市現在大部分的成交都全職也大部分都在電子類股那這個會不會高度集中他將來會造成助長助諜這樣的狀況"},{"start":4020.145,"end":4041.406,"text":"因為大家都一窩蜂嘛ETF也一窩蜂結果買的時候大家就都買同樣的股的成分股所以那些被選定為成分股的股票就漂漂漂一直漲嘛那這就是會變成一窩蜂的這個這個超大家集中然後說就超漲但是如果再變成熊市的時候"},{"start":4043.718,"end":4055.23,"text":"一直跌的時候那ETF為了人家要贖回啦為了要發股息等等他又跌賣所以是會變成超漲超跌的狀況你不覺得有可能有這樣的狀況嗎就股票市場而言"},{"start":4056.175,"end":4084.039,"text":"委員其實您是專家啦我講先從後面的先講你剛才講到那個如果股票漲跌會有贖回的那就是所謂的流動性的風險這部分在我們2月底的發布的參考國際組織所規範其實也就這個部分有做琢磨那另外也跟您報告目前整個的ETF48檔大概它涵蓋了成分股402家上市公司所以像是廣的但其中在"},{"start":4085.168,"end":4108.184,"text":"某一個上市公司超過一定比例的其實基本上都還有分散不過我們不能說以此就覺得不需要去注意我們還是要特別注意所以我們在報告中有提到請周邊單位要建立一個相關的整個市場面的監管機制現在的股票是OTC加進來加證交所總共多少張股票"},{"start":4109.773,"end":4127.324,"text":"一千八百多檔一千八百多檔裡面ETF只有選擇裡面的400多檔402檔402檔我認為這樣還是集中當然因為有很多的股票它本身的交易量不大你所謂的流動性的風險對於ETF購買的股票對象本身比較不會為什麼因為它都選擇這個市場上"},{"start":4130.026,"end":4156.551,"text":"交易比較熱絡的都會去投嘛如果你這個ETF是專門投那些冷門股的我想投資人如果了解一點的大概比較沒有興趣了因為它平常的交易量很低它將來如果要變現的時候要賣的時候流落性風險我講的是高度集中它反而有另外一種效果助漲助跌漲的時候本來假設它本來正常來講應該是漲50%因為大家高度投入一直投入的結果它漲了不止50%"},{"start":4157.971,"end":4178.948,"text":"疊的時候看壞的時候也會有這樣的狀況喔因為大家都賣然後他也加重賣壓所以要注意會有這樣子的風險存在有 先為委員提醒這也是為什麼我們要建立一個全市場的監視機制那當然因為ETF的成分股是完全透明的啦是他要做多做空其實是互相有抵銷的力量了解"},{"start":4179.528,"end":4208.488,"text":"另外你要記得以前曾經發生弊案是什麼樣的弊案政府的基金在選股上跟人家勾結產生ETF的發行有沒有會跟股票上市公司的管理階層這樣子選股上面變成他的成本裡面這裡面的這個選股的機制會不會也有大有文章的可能性我認為您的您的確非常專業其實這也是我們要注意的地方感謝提醒"},{"start":4208.868,"end":4227.228,"text":"那你的報告第8月我今天早上很認真給你讀了你說第8月的第二點說你們今晚會加強ETF的審查包括配息政策是否適當那倒過來就想請教你什麼樣子的配息政策會被你認為不適當有沒有什麼樣的案例"},{"start":4228.888,"end":4247.961,"text":"我覺得我待會也許肯政經局大審過的人來說明好沒關係可以來補充說明那個我的了解大概就是你的配息不得誇大不實那還有要跟沒有沒有這個是配息政策喔不是配息的廣告喔對政策是指我這一檔發行的時候"},{"start":4248.621,"end":4265.62,"text":"我就已經決定我將來是用什麼方式來配這個席包括是月配或是季配或是年配或是配的時候是要拿我得到的這個股息還是我要賣股票來配這個才是配席政策我請那個高副局長來補充"},{"start":4270.943,"end":4296.691,"text":"主要我們審大概會去考慮一下他配息主要的來源是哪裡然後配息的頻率那是不是跟他確實成分股比如說配息他所謂可以領到的息然後可以去支付類似這樣子的看能不能配比以上配比所以目前還沒有出現過你們認為不適當的案例嗎審查沒有通過是因為他的配息政策你們認為是不適當的有沒有這樣的案例"},{"start":4297.831,"end":4323.28,"text":"我們都會叫他說明那如果說明OK的話我們才會放行這樣的ETF發行所以你這個話在這邊講出去之後就是將來的配息如果出現問題你就要負責任了台灣的市場就是這樣賺到錢很少人會感謝政府但是賠錢所有人都怪政府主委我要提醒你臉書上面已經出現00940的自救會了你知道嗎"},{"start":4324.056,"end":4351.152,"text":"而且參加的會員有兩萬一千人還沒有上市去買股票他已經公開宣稱袁大發撿這個00940將來如果跌破變額他們就要集體上街抗議現在還沒有買股票他就已經做這樣的宣稱了所以我是覺得兩萬一千人目前是少如果真的賠錢參加的人會更多所以這個點不知道你的看法是怎麼樣"},{"start":4352.549,"end":4371.619,"text":"剛才副局長跟您報告就是審查他的配息那基本上還是要透過市場的檢視只是確定他有沒有過度的不能夠自圓其說至少要一個理由一個邏輯的理路了那至於說漲跌誰能管這個市場趨勢不是任何人能夠預估的"},{"start":4372.319,"end":4398.775,"text":"但是我剛剛就是跟你提醒說臉書上面Facebook上面已經出現00940的自救會的社團而且現在參加的會員已經有兩萬一千人了然後他公開宣稱00940將來上市之後如果跌破10元的面額他就要發起抗議那面對這個你要如何對社會大眾說明那這個臉書出現這樣的社團你有什麼樣的想法你可不可以跟我們大家說明一下"},{"start":4400.305,"end":4428.125,"text":"其實任何的商品都要充分的資訊介入那至於說成立這個社團我想我沒有特別的評論我想這是發行公司自己本身也要特別去注意怎麼樣去跟投資人充分的溝通不過但是主委他抗議對象不會是只有元大這個如果規模夠大抗議起來是整個社會動盪不是元大一間公司所以我的意思是說投資有賺有賠"},{"start":4430.14,"end":4446.135,"text":"充分的揭露這個都是該說明的大概大家都知道的原理問題是面對錢大家不這麼理性面對錢賺錢是應該的賠錢就是你們害我的一般人有的人會有這樣的想法那這個"},{"start":4447.304,"end":4473.982,"text":"我覺得這件事情如果沒有妥善處理沒有事先趕快想辦法更多的揭露請元大公司還有請這所有的這個要發行ETF的公司去重視這個要如何處理的話萬一將來有什麼散失會引起社會另外一波的不安我擔心的是這個我想這一點我想元大我的同仁應該也有多提醒元大我們也會特別注意謝謝對 那"},{"start":4475.697,"end":4496.045,"text":"我的意思是說這個不是只有元大的事今天00940會出現改天就會有00941、00942反正將來的媒體、黨標地都會這樣子這也是一種社會壓力但是這種壓力明顯的不當啊因為你還沒有投資在市場那天下還有哪一個市場是保證賺不賠的"},{"start":4497.614,"end":4517.346,"text":"所以我是覺得為這樣的心態感到很憂慮如何讓這樣的心態能夠有比較正常比較健康的想法是我們大家要努力的目標是 了解 謝謝委員那加油來我看到你們的報告其實寫得很完整還是可以繼續努力裡面要繼續落實好不好謝謝 謝謝謝謝吳秉銘委員的質詢接著我們請李彥秀委員質詢"},{"start":4528.683,"end":4532.406,"text":"感謝交委我可不可以請主委有請黃主委主委好辛苦了主委我還是要問一下這兩天在週末時間我們看到重大新聞包括星光人壽增資的問題我們看到星光人壽在這個週末之後最後決定再加碼125億撥補進來顯然的"},{"start":4558.527,"end":4566.212,"text":"看到主委之怒之後從原來的年初的首季撥補70億之後星光金撥補70億之後我們又看到這個再加碼125億主委你對於這個總共195億撥補進來星光金你覺得滿意嗎這個數字你滿意嗎"},{"start":4582.117,"end":4598.502,"text":"縣委委員我想我沒有震怒我有約談但是沒有生氣那我覺得顯然這個主委的提醒顯然是發揮作用對不對報委員我在1月30號新春記者會就已經提醒"},{"start":4600.37,"end":4621.407,"text":"改革團隊進入星光監控對星光監控資本的缺口主要股東要負主要的責任兩個禮拜前我在財委會也特別說6月底RBC到200是我的目標所以他們要達到這個目標主委那你覺得6月RBC他有沒有辦法達到200法定的200你現在他增資就算他上禮拜通過了125億增資還是沒辦法達到"},{"start":4625.071,"end":4653.75,"text":"所以你覺得6月你覺得他有可能達得到你的目標嗎你要求的目標我們還會繼續要求你還會繼續要求是還有其他具體的做法工具嗎我們會繼續要求或者是針對新光晶後續的體質改善你有沒有想法體質改善是改革團隊自己要去做的事情你有沒有什麼樣的建議我覺得我的想法很簡單3月4號在財委會跟各位委員報告就是RBC6月抵達到200其他免談"},{"start":4654.926,"end":4679.27,"text":"好 謝謝主委的回應我們看到主委的說法我想新光晶應該會聽到主委我接下來還是要肯定我們今天您的專案報告我覺得普惠金融這四個字我覺得在ETC上面我覺得我們看到金管會的努力整體我們現在在ETC裡面的資金總共大規模"},{"start":4679.73,"end":4705.171,"text":"大規模的成長達到4兆左右4兆1755億它大概佔了我們總共基金的投資將近6成這個讓所有的投資人有多元化資金配置的管理的機會這一點我是要給金管會肯定的但是主委你知道其實任何以我們吃食物來說我覺得均衡最好過於不急其實都是不健康的"},{"start":4706.132,"end":4720.668,"text":"主委你覺得我們現在的ETC內部的狀況因為這兩天包括前幾位委員都在講你買了沒你買了沒ETC00940你買了沒這是最近我們在臉書上或在很多廣告上看到的"},{"start":4721.289,"end":4733.314,"text":"你覺得它會不會過熱雖然我們現在ETC的總市值大概在臺灣大概只佔7%在全球包括在美國在其他歐洲國家大概其實都有10%到15%看起來沒有過熱的疑慮但是我們的五年複合成長率高達39%"},{"start":4743.338,"end":4753.427,"text":"這個是全世界最高的他的增幅比照去年這個時間大概增長了62.48%所以主委你覺得他是過熱嗎"},{"start":4755.56,"end":4779.911,"text":"你會擔心嗎?第一點我想我要表達我非常尊敬委員您問這個內容那麼的專業我非常尊敬而且很向您學習但是是不是過熱我想國人的確有足夠的存款想去做適度的投資那ETF這種商品相對來講由於其他的配息的設計也蠻吸引投資人的"},{"start":4780.791,"end":4809.51,"text":"但是我們關切的不是量多少而是創造那個量後面的銷售的過程資訊的揭露是不是完整的如果銷售的過程是沒有置入性的行銷沒有不當的比喻資訊充分揭露我覺得量不會那麼大主委我知道你有KPY跟KYC的歧視在裡頭但是如果不擔心過熱你為什麼要祭出六大措施就是說"},{"start":4810.39,"end":4823.227,"text":"我不知道你有沒有什麼叫做過熱什麼叫做你可以接受因為你現在回應在我們報告裡面你只有說投資熱絡這四個字來去形容所以剛才前一個委員吳委員才會講說未來有可能有自救會"},{"start":4826.43,"end":4848.892,"text":"但是我們政府難道能做的就只有KPY跟KYC嗎這是我第一個要提出的問題那當然你們有提出六大措施你們也擔心說他會不會過熱那是不是過熱你們會不會有一個評定的標準在還是他資金投入多少你們都不管你只有KPY跟KYC這樣的標準去提醒"},{"start":4849.69,"end":4869.973,"text":"目前兩天有媒體說金港會會不會限定這個募集的額度啊或是怎麼樣我們目前沒有這個打算我目前看到了尤其是從今年過去這五年的檢查包括年初的檢查發覺在廣告行銷上面還有配息的規範上面需要去做調整"},{"start":4871.804,"end":4887.759,"text":"所以你就只有這兩個策略而已沒有 我們後面還有整個在市場的監控上面後面講到的三點都有包括市場的監控對於整個的成分股對市場的影響有沒有集中度的問題這個我們會去處理"},{"start":4890.799,"end":4907.782,"text":"好 主委其實我們都擔心因為ETC聯動股市其實它熱絡有它熱絡的道理但是現在股市其實就是在最高點但是ETF它我們最大的隱憂有兩點我們都說雞蛋同時放在一個籃子裡不見得是好事但是ETF"},{"start":4908.683,"end":4929.189,"text":"他投資在一個他放在一個籃子裡但是籃子裡全部都還是一樣的東西這個也是我們現在會擔心說會出現成分股過度集中的問題這是我們現在第一個隱憂那第二個隱憂其實就是股市大漲了三天之後我們常常在講有一句話就是股市大漲三天之後很多散戶都跟得進來所以很多對於資訊"},{"start":4930.609,"end":4950.774,"text":"不夠充分了解對商品的資訊不夠了解或者是他到底承受風險的能耐度到底夠不夠這個是我們最大的擔心所以除了您剛才提到之外的這些包括加強ETF這些審查之外我們有沒有比較具體下一個階段你打算的做法"},{"start":4951.354,"end":4965.63,"text":"包括剛才吳秉瑞委員說未來有可能有次就會啊當他掉到一個程度的時候有可能就有次就會所以你除了現在這幾個具體的方式之外你還有沒有其他的做法準備著因應我想我們"},{"start":4966.371,"end":4983.432,"text":"今天是看大的制度跟方向了那我們看到了現在ETF的發展我們覺得不會因為現在這一檔就對ETF我覺得這是一個控國人可以去選擇的商品要提供這個商品重點是我們要強化它在銷售過程中不要有不當的行銷"},{"start":4984.093,"end":5005.212,"text":"主委你一直講同樣的話我知道你是強化資訊的賞名的認知還有承擔風險的能力那我就要具體的提醒你其實我覺得今晚會後續包括有幾個具體的做法可以做包括我覺得應該要有多種類多面向的投資方式比如說要有避險的工具在大家都想賣的時候我覺得當"},{"start":5007.674,"end":5037.054,"text":"市場到一個其實萬一大家都想賣的時候會對股市造成一定的衝擊所以我覺得如何健全市場的機制其實是相對重要的然後還有包括現在很多投資人他可能是拿定存解開定存來投資甚至是用槓桿的借錢的方式來投資我覺得這個對於很多的資訊揭露等等我覺得要有一個特別是對全新的股票的領域我覺得要有一定的承受能力我覺得這個也要在"},{"start":5037.774,"end":5038.735,"text":"主席主席主席主席"},{"start":5056.764,"end":5079.462,"text":"所有的想投入股市的或者是他們更了解這些不同的投資的方向他們的承擔風險的能力這個是我要提醒的那最後主委這個是我的兩點建議但是主委我最後還是要提醒就是說我們現在股市到2萬點那在1月份的實質稅收我們達到2233億事實上在"},{"start":5085.407,"end":5111.866,"text":"股市在2月份連時紅那比較去年同一個時間點我們也增加了1.8倍那特別是前幾天我問了主計處的主計長我問他說股市大漲你開不開心他說他個人不開心因為他沒有玩股票但是身為這個主計長大掌櫃對於國家有這些稅收他是開心我想請問同樣的話我想請問主委現在股市一直漲你開不開心"},{"start":5114.062,"end":5118.12,"text":"我想只要是反映市場機制我們尊重我們沒有什麼喜怒"},{"start":5120.922,"end":5149.181,"text":"熱錢主委你也很開心我這樣的想法是你都不去管市場的機制你讓市場連的走他是反映整個市場的交易我想我們提供的就是一個健全的環境那交易的劑量跟量由市場去決定我覺得央行的總裁可能會很擔心因為資金氾濫錢熱錢來的快去的也快但是如果主委沒有想法沒有憂心的話那我覺得我個人會很擔心"},{"start":5150.962,"end":5178.074,"text":"主委您了解我的意思嗎熱錢來得快去得快你如果沒有在當然尊重市場機制但是如果沒有一些手段或者是做一些更多內部的管理溝通的話我覺得市場一旦有變化的時候你還順著市場機制在走我覺得你開心恐怕我覺得我會很憂心主委沒有憂心的話我覺得我會很擔心"},{"start":5179.349,"end":5205.077,"text":"主委您了解我的意思嗎這個ETF是成分股我覺得主委我強調不只是ETF因為它是跟著整個市場股市的結果在連動所以我才問說股市漲到2萬點你開不開心報告委員股市漲到2萬點有它的基本面因為過去一年AI股、半導體股這是我們的基本面只要有基本面我覺得就是反映我們的經濟的結構"},{"start":5206.687,"end":5224.905,"text":"但是主委我還是要提醒你啊那個股市的變化投資人熱錢來得快去得也快但是我今天本來還有其他問題要一起問您跟央行總裁但沒關係我留著下次再繼續問是謝謝主委謝謝委員謝謝委員指導謝謝好謝謝李燕秀委員的質詢接著我們請賴世保委員質詢"},{"start":5239.053,"end":5243.976,"text":"謝謝主席以及各位先進有請金管委的黃主委有請黃主委是委員好主委早那麼這個今天討論ETF其實我再講我的感想我先看一下在國發會二月底"},{"start":5263.598,"end":5285.625,"text":"有一份的一個報告講出來臺灣的經濟自由度全球排名第4名相當自由這個很活潑的臺灣的經濟可是財務自由度只有40第40名投資自由度39名"},{"start":5288.322,"end":5316.671,"text":"就代表我們的財務我們的投資不自由我們經濟很自由我們的投資很不自由在全世界你看排名第40名啊大家都知道臺灣的經貿實力雖然臺灣很小但是很粗略的講我們臺灣的經貿實力在全世界排名大概第15、16、17左右是相當前面的結果自由度掉到40啊"},{"start":5319.127,"end":5330.701,"text":"這個講起來很丟臉喔這裡面跟我們軍管會有太多的禁止這個管這個管那個有關係喔你要不要對這個做個回應呢"},{"start":5332.639,"end":5351.166,"text":"委員如果您是說中間那邊講我們禁止目前不允許副委託買比特幣現貨不是我現在跟你講這個還沒講到這個我現在跟你講自由度你要不要回應一下就人家說我們這裡投資自由度稍微高財務自由度細佔這個不見得講金管會"},{"start":5355.814,"end":5357.795,"text":"好我跟您報告第一個"},{"start":5386.414,"end":5406.041,"text":"美國證管會把比特幣當作有價證券但是臺灣的證交法比特幣是不是有價證券其實是不確定的那另外跟您報告我為什麼剛才離開備質詢臺這份是美國1月10號美國證管會他同意比特幣現貨交易的一個新聞稿"},{"start":5407.113,"end":5422.794,"text":"最後一段話美國的政委會主席Gary Gensler說我同意他上市那是因為法院駁回他不准他上市並不表示我indose或是我prove比特幣的性質這是美國政委會的說明我再跟你告告"},{"start":5423.996,"end":5434.21,"text":"南韓、新加坡、泰國都不允許投資人買比特幣這邊還有一檔美國的Manga也不許交易你不要那麼激動來 我跟你講一個你的很重要的理由當初你今天一直沒有講這個東西因為它沒有實體"},{"start":5439.807,"end":5453.686,"text":"他沒有含價值對對好那我就問你現在美國已經有會上市的公開發行的OpenAI已經快要上市了請問OpenAI你可不可以以後會不會禁止"},{"start":5455.009,"end":5456.089,"text":"這兩個是類比不太一樣吧委員我跟您報告齁"},{"start":5480.959,"end":5507.054,"text":"我們一月初美國上市現貨ETF政企局是請券商公會先不要接受這種買單復委託而是研擬配套措施看可不可以有適當的措施等到4月底以後再做決定什麼時候決定4月底以後就決定配套措施ETF要不要包括比特幣是不是不是復委託要不要涵蓋美國的現貨ETF的商品"},{"start":5507.861,"end":5510.523,"text":"國發會這樣的一個報告你的認知居然跟我認知完全不一樣"},{"start":5524.875,"end":5548.532,"text":"如果今天我是你啊我一定要去檢討為什麼我進口做了哪些事情為什麼投資自由度這麼低在全球排39名財務自由度排40名我們看到ETF我記得我請問ETF最早什麼時候發行臺灣最早第一檔的ETFETF92年臺灣92年"},{"start":5554.247,"end":5575.933,"text":"2003年美國最早什麼時候82年吧1992所以跟美國足足差了10年對ETF我聽到的ETF是我們歷任的金管會主委都不斷的鼓勵大家多買ETF因為風險分散啊因為有專業人幫你看啊"},{"start":5577.677,"end":5588.371,"text":"曾幾何時什麼變了ETF變成今天拍這個專案報告都感覺ETF有點像過街老鼠一樣啊怎麼曾幾何時變成大家怕ETF怕到這個樣子"},{"start":5590.216,"end":5612.214,"text":"那個那個主委啊到底是管ETF還是你就是管他的促銷手段比如說網紅接廣告到底是什麼今天您這個問題我很感謝您問這個問題這就是重點我們從頭到尾過去這個禮拜都沒有說要限制ETF沒有這是一個商品適合國民去投資鼓勵不鼓勵你告訴我"},{"start":5614.716,"end":5630.551,"text":"沒有什麼鼓勵鼓勵你發行就鼓勵啊我們也有來一個我們在這裡我請教過你啊我說了應該來一個加薪50或者加薪100鼓勵這些上市公司加薪的我就給你放進來我們有類似的指數啊有類似的指數你沒有加薪100啊有嗎"},{"start":5635.987,"end":5639.25,"text":"我得到的訊息是其實ETF它本身沒有問題"},{"start":5660.828,"end":5684.91,"text":"本身是幫老百姓當投資股民風險分散幫你挑一些好的股物有特性的股可是現在問題來了因為這些網紅啊亂吹牛一通哦 還一定有8點多趴啦然後呢每個月還配息等等的所以為了配息可能如果同時的話ETF 有些的ETF沒有"},{"start":5685.851,"end":5693.067,"text":"沒有講好但是有默契大家都lock住那個股票第一個他駐倉啊或者一個駐地啊變成這個樣子啊會不會"},{"start":5695.311,"end":5722.647,"text":"委員您是專家您講的是對的啊就是他沒有充分介入這個商品的風險也在很多商品的條件上有誤導的情況比方說把配息跟存款的利率銹相比較或者說過去的跡象拿來預測未來也會如此這是要提醒我我我我你最實際的有網絡說你可以把你的房子拿去抵押來來買ETF這樣的講法你認不認同"},{"start":5724.67,"end":5745.762,"text":"那是很風險很高的為什麼因為ETF的成分股漲跌也不是發行的投信能決定的還是要看市場的機制所以過去漲不表示未來一定會漲我的時間快到了趕快把重點我還有個重點要問那個副總裁一起來好不好這個時間暫停一下來有請副總裁"},{"start":5748.001,"end":5771.23,"text":"公平會在去年2月已經對網路網紅的廣告不時要罰5萬到2500萬因為網紅不是賣家他是代言人要負責任的結果金管會現在你可以看到對投信的管理很嚴格可是對這網紅你們好像沒有皮條啊會不會對網紅這一部分來來來主委網紅推薦買ETF到處都是你們有沒有處置辦法"},{"start":5778.973,"end":5791.762,"text":"拜委員我可不可以 如果我說錯了你可以指導我好像是3月8號才規範的 不是去年2月吧沒有 去年2月就規範了好 沒關係 沒關係去年有再修正了也許"},{"start":5794.349,"end":5818.076,"text":"我們111年就有規範要加注警語那這樣實踐上面可能有些公司並沒有真正照那個廣告公會的廣告你們要不要去取締一些講這些話講得誇大的網紅有沒有這個工具我們正在思考那公平會雖然有一個寄出這個高額罰款的這個但是還是要有一個機制怎麼去檢舉那要有事證"},{"start":5819.136,"end":5833.408,"text":"那這部分我們想跟工會再去做一個溝通現在我們報告中有寫到6月底之前我們會把這個規範弄好好 我請教冤枉的副總裁日本結束負利率"},{"start":5834.727,"end":5862.697,"text":"外面的估算因為日本央行明天開會澳洲後天開會澳洲是明天3月19然後臺灣我們是21號開會俄羅斯20號開會全世界現在面對到幾乎所有金融商品都在漲的情況之下請問你現在現在來講央行未來的利率走向是怎麼樣"},{"start":5866.916,"end":5883.263,"text":"報告委員因為傳統上我們每一次開會之前我們都會針對當前的國內外經濟金融情勢以及未來的發展做評估所以其實您提到這些不管是它的日本或者其他央行的貨幣政策是我們隨時在關注的"},{"start":5884.451,"end":5900.332,"text":"其他國家的央行現在就是利率他們是偏要漲還是要跌還是那個那個報告委員因為各國的國情不一樣所以我們很難用其他國家例子來銀行台灣現在錢有太多嗎錢有太多嗎"},{"start":5902.486,"end":5925.689,"text":"根據我們剛才的報告銀行的那個資金其實我們在整個NCD的操作或者是銀行的那個超額準備那邊其實是在銀行端其實我們看不到這樣的現象而且我們其實內部也有一些指標在注意到國內金融市場的變動情形所以我們閒置的貨幣有3點多兆不會太多"},{"start":5927.633,"end":5935.235,"text":"呃...我不曉得那個3點多兆您的意思是...以前是2點多兆現在變3點多兆了啊呃...我剛才...超額儲蓄啦!超額儲蓄!會不會太多?呃...我還是不太了解委員那個數字是...是講的是哪一個...沒有這個事嗎?那你告訴我現在超額儲蓄多少?你...臺灣的現在超額儲蓄有多少錢?"},{"start":5956.126,"end":5967.213,"text":"呃...我們這邊有一個圖嘛那個...應該...有...有多少?你要講...講...你有時間到你趕快講吧三...呃...三點...三點八三點...呃..."},{"start":5979.62,"end":5979.78,"text":"熱錢多少?熱錢"},{"start":5997.377,"end":6018.655,"text":"熱錢我們我們並沒有我們並沒有定義所謂的熱錢熱錢是金融機構他之間的那個資金的流動和調動那個黃主委熱情的這個那個流量部分可能只有央行央行知道啊怎麼不知道你來副總裁跟我講一下我就跟主席換一下來"},{"start":6020.943,"end":6040.6,"text":"熱錢我們過去就是你出去多少金買多少然後這些短時間留了在這裡股票買買就出去這個熱錢我們所謂的熱錢就是外資在還沒有賣完股票之前有一段時間停留在臺灣的數字那個是多少那個我印象中大概都是一千多億而已美金還是臺幣臺幣臺幣一千多億到現在為止"},{"start":6046.846,"end":6062.113,"text":"這個其實我再補充一下你講的那個3.3億的超額儲蓄其實是在3.3兆3.3兆那其實在銀行體系金融體系裡面散布在各個金融機構的那個資金的運用情形好 謝謝賴時保委員的質詢謝謝委員好 下面我們請國公委員質詢請"},{"start":6076.786,"end":6083.204,"text":"謝謝主席我請黃天牧主委以及我們的這個嚴副總裁副總裁請"},{"start":6091.652,"end":6118.672,"text":"主委兩位我今天排這個主題其實重點其實在於游資過多那ETF是一個游資過多一個很重要的一個投資工具那我看那個黃天牧主委的報告當中都針對ETF並沒有針對游資過多如何做一個適當的引導以避免流向房市那導致央行這邊的報告是比較有接近這個主題"},{"start":6120.311,"end":6146.144,"text":"剛剛在立法委員在討論這個超額儲蓄是確實一個大問題去年是3.31今年已經預估是3.84兆剛剛央行的報告當中一直強調跟銀行端之間的互動沒有所謂的這個資金過剩的問題可是問題是民間的資金確實是有過剩的現象否則不會有ETF這一種投資的一個熱潮最關鍵的原因是在這裡頭要跟大家討論的這個部分"},{"start":6147.685,"end":6175.457,"text":"然後在後續的這個討論當中我必須做一個提醒因為央行這個禮拜四這個副總裁禮拜四的部分已經要開禮監事會議本週是央行週看臺灣的這個金錢的流入經過這個地緣政治還有包括相關的因素導致回來的臺商的回流資金的專利已經高達3000多億而這5年之內不能投入房地產25%只能進入這個股市的部分已經要解限了"},{"start":6176.717,"end":6183.064,"text":"這個我請問一下副總長你有沒有注意到這個訊息也就是8月的時候我們有更多的資金會投入這一個民間的一個游資當中欸副總長"},{"start":6186.352,"end":6209.098,"text":"那個報告委員我想這個問題還是歸咎於跟我們的那個過去幾年的經常在順差大幅度順差有很大的關係對你來解釋原因但是我問題是要解決問題嘛就游資過多你有沒有什麼政策工具來可以做引導而不是用定存利率的部分跟銀行間之間往來而已嘛就是說禮拜四要嚴重要去面對的問題是現在這種狀況大家擔心的問題嘛"},{"start":6213.973,"end":6219.639,"text":"因為我們的政策工具我們會考慮到整個金融市場的變動情形所以"},{"start":6222.386,"end":6244.193,"text":"委員講的這個3.8兆或3.31兆我先來是做一個慎重的提醒在禮拜四的理監事會議的時候有些諸多的現象以及未來是跟現在狀況裡頭所造成的一個社會影響的影響我再舉其中一個例子就好為什麼最近的ETF熱會如此的一個瘋狂原因在哪裡為什麼會很解除定存"},{"start":6244.853,"end":6259.606,"text":"因為平均的定存利率來說我抓過五大銀行三期的定存率才1.594%而已我們通膨基本上是高達2.53%事實上你現在放在銀行裡的一個定存組基本上簡直是負利率"},{"start":6261.187,"end":6285.284,"text":"基本上是負利率的情況底下他有一個比較好的認為比較放心的金融商品的話他當然相對會投資啊可是你看看我們總裁楊總裁說會有羊群效應接下來就像黃天牧總裁黃天牧主委黃天牧主委講什麼主委你不斷地示警然後呢你還要動用精檢然後不斷地警告投資人這個東西過熱主委老師說齁"},{"start":6288.746,"end":6310.482,"text":"明明你也剛剛在報告當中講得非常清楚它是透明度高分散風險而且基本上又可以適合長期持有的投資標的那為什麼會動用這麼多恫嚇的言詞呢好像投資ETF是一個高風險的投資商品一樣主委"},{"start":6311.53,"end":6327.668,"text":"委員謝謝我先要感謝趙偉安排這樣一個專案報告讓我們可以跟大家做一個說明其實我的重點ETF商品是中性的重點是你要銷售給適合那個風險承受的人而且資訊要說清楚問題是"},{"start":6329.87,"end":6351.952,"text":"我們在日常監理跟檢查發現很多投信在ETF的銷售過程中沒有適度的讓投資人瞭解這檔商品的正確的資訊還有它在追蹤指數的時候有些地方也是有一些地方是需要去被改進的所以你警告了主委不好意思我跟你打岔你警告的對象是應該是投信公司啊而不是投資人啊"},{"start":6352.392,"end":6371.845,"text":"您好像在恫嚇投資人說這個股票這個ETF的這個基金股票型的指數型的投票股票基金這樣子下去的話會充分高風險沒有 報告委員有兩面投信公司要了解客戶客戶也要了解那個商品但了解商品投信公司有責任要告訴客戶你買的是什麼商品是"},{"start":6372.185,"end":6397.631,"text":"他所標榜的配息是怎麼配的他的來源從哪裡評準金的規範有沒有確實去做這些其實都是我們要日常監理的重點其實主委您的報告當中寫得非常清楚我想是有過度集中的問題標的過度集中的問題沒有錯但是你提出來一個新的一種方式依照目前的這個ETF的主流是在這種被動型的你所謂開放這個所謂主動型的"},{"start":6398.511,"end":6420.241,"text":"這個主動型的這一種ETF的話基本上是放任或者是過度新任基金經理人的可能性都存在啊過往的基金經理人依照你最近處罰的對象就是富邦、保德性這跟單的問題還有包括漢亞投信有抬轎炒股的問題等等基金經理人基本上還會出現這種問題喔"},{"start":6422.95,"end":6441.127,"text":"那以照如果是以從主動型跟被動型目前為止ETF以落後指標來說反而透明度更高啊更能夠值得安心就值得相信啊讓投資人更能夠看得到的情況底下那你去推主動型老實說有真的能夠分攤到風險嗎我是覺得很失意啊"},{"start":6442.895,"end":6471.561,"text":"報告委員這個商品也是因為國外有主動型所以業者這方面也希望我們能夠有一些機會所以大家還在研究中並沒有到最後的階段可能到今年六七月以後我不是說業者講你就要聽嘛我有耳聞嘛有些業者去跟你拉比嘛但是呢基本上哪一種對投資人比較好我們應該對這個部分來去做Promote才對而不是說每一種不同的國外的商品拿進來拿進來之後風險更高不是造成我們更大的困擾嗎"},{"start":6472.521,"end":6500.128,"text":"委員您的指示我們一定會納入這次商評審整個考慮的參考講白一點被動型的部分你要說用主動型的部分現在基金都主動型是差別沒有股票化而已啊不是嗎然後另外的部分呢以照目前的這個數字來看齁如果看到現在的這個比例啊ETF的佔比您的報告裡頭佔整體的股市也不過是2.38%而已而交易量啊也不到1%欸"},{"start":6501.528,"end":6520.212,"text":"也就是說所有的投資人在這個行為上他也知道是長期持有所以交易量相對於這個佔比來說是低很多嘛不是嗎主委所以他的交易量其實是可以被管理的只有1%左右對啊如果是這樣子的情況底下也就是說目前所謂的這個ETF的投資啊雖然"},{"start":6520.672,"end":6549.492,"text":"比例上成長速度很快你剛剛只有講到一個重點是比例上成長很快並沒有造成那麼高的風險可是呢被你們動用這麼多的名詞跟手段然後變成是一個很像高風險的一個投資商品如果是這種情況底下老實講本席是很擔心啊因為市場的游資過多的情況底下你現在沒有一個比較適合的投資標的好不容易有一個ETF反而被你這種阻絕情況底下還所謂的要祭出什麼投資上限"},{"start":6550.293,"end":6566.69,"text":"主委你如果說投資海外的ETF你有投資上限那本席也就認了就是因為那有一個不確定的風險存在那國內的這種被動型的這個投資ETF基本上都會揭露它過去的成效多少如果不好的話它就替換掉"},{"start":6567.911,"end":6591.886,"text":"這種情況底下你真的還需要進行設限嗎委員特別跟您報告我們從頭到尾都沒有提要設限我今天談到的沒有任何量的限制只有希望在銷售過程中能夠讓投資人正確了解他的資訊跟商品的信息所以只有加強資訊揭露並沒有刻意要打壓目前的ETF說要進行所謂的上限的限制有沒有"},{"start":6591.946,"end":6618.276,"text":"沒有,委員我們的報告沒有這種論點出現沒有,我是看到新聞有寫而且你們還有出來發言就是有這樣的新聞報導我特別要感謝您給我這個機會說明所以我記得明明非常清楚主委你20週年慶的時候ETF20週年慶博覽會的時候你還有站在蔡英文總統旁邊而且強調這個ETF透明度高分散風險適合長期投資等等"},{"start":6621.824,"end":6629.551,"text":"講白一點你們這個肌膚通基本上也是在做這個事情啊跟這也是分散風險是一樣的啊不是嗎"},{"start":6630.749,"end":6652.015,"text":"可是問題就是他現在標榜的這些配息這些東西有沒有讓投資人真的瞭解那個配息的本質平準金的規範是不是都瞭解主委我說今天特別提這一題你要去強調現階段的ETF並沒有你們剛剛所做的那個行政手段裡頭的那麼高風險的存在這會造成外界的誤導啦"},{"start":6653.435,"end":6676.281,"text":"各位委員也許我們我不曉得如果給您造成誤會跟您致歉我們的報告的主旨沒有這個意思強在都是網紅啊還有集中度這些可能大家顧慮的事情適當的做一個澄清啦但是我認為主委你現在最需要做的是什麼就是說這個資金過度本行要說盡量不要流到其他的這一種炒房的這種現象的情況底下你還有沒有其他的作為啊"},{"start":6677.401,"end":6702.082,"text":"就是說風險懸殊的部分其實在您的手中當中銀行局的部分有沒有去思考一下有沒有調高的可能性呢?高委員其實我們配合央行的穩定房價的包括行政院的政策我們在兩年前的1月初就已經對於央行選擇性信用管制的一些受限的標題提高了風險懸殊了所以你們有提高但是問題呢資本的集中度還是不斷的提高啊"},{"start":6702.682,"end":6705.563,"text":"但是在整個列管的過程當中我們還是有看到這一個落網之魚"},{"start":6721.05,"end":6745.684,"text":"就是包括融資公司的部分透過銀行來借貸的部分而形成這一個資本其中的堆高的現象我跟您報告融資公司部分對於幾家上市公司我們都有約談過也會透過上市公司的內控還有我們將來會透過它的融資的金融機構去了解兩年前的風險技術的提高是否需要再提高請主委回去好好慎重思考一下好不好"},{"start":6747.715,"end":6768.852,"text":"其實已經提高,風險權數已經提的蠻高的了提的蠻高的,不需要再提了短期內我想我們還是維持跟央行這整個金融機構的部分對,其實兩年前已經提的蠻高的那次提高業者其實都有覺得蠻高的了我們看情況好不好,後續再來追問,謝謝"},{"start":6771.65,"end":6776.834,"text":"好 謝謝國共委員的質詢 下一位請賴慧媛委員質詢請謝謝主席 有請那個黃天牧主委還有我們央行副總裁"},{"start":6795.586,"end":6809.196,"text":"是委員長是主委副總裁早安我想今天我們針對的ETF這一個熱賣高股息的一個產品來跟那個主委跟副總裁做一個討論在這裡請教就是說"},{"start":6812.678,"end":6826.692,"text":"我們總裁我們從1993年就是世界第一支ETF上市了以後一直到現在2024就是現在大家最幸運的密碼00940 00939三個人裡頭就有一個人在買ETF"},{"start":6832.958,"end":6847.788,"text":"那我在這裡就是要跟我們的主委討論一下ETF的一個熱烈除了政策開放的程度有關那也跟現今的台股的市場的狀況有一個相關性你認同嗎"},{"start":6849.168,"end":6870.293,"text":"對委員您這個推論是我覺得是相當專業因為最近臺股長得比較多所以大家覺得聯動臺股的ETF可能未來獲利可期可能有這種期待獲利可期那其實在緩間上有特別提到了一點就是說這次臺股破了2萬點"},{"start":6871.613,"end":6896.491,"text":"幕後有真正的兩大主因一個是台積電的一個漲幅一個就是ETF的一個這個投入那你認為這樣子的一個分析有沒有道理的確台積電在過去台股中不論市值跟價來講它有一個比較主要的一個影響力這是沒有錯的對那ETF呢"},{"start":6897.932,"end":6903.477,"text":"那為什麼會有三個人裡頭就有一個人其實是有買ETF的現在的市場性存在的就是這樣的一個問題主委我想請教你一下"},{"start":6920.951,"end":6949.576,"text":"就是我們的ETF裡頭你知道有多少股息是怎麼算出來的我們就是金管會有沒有去算這些問題委員這就是我們在今年年初對於投信的評準金來配息中間有些地方不透明或是覺得不太合理的地方我們要求訂規範所以這個部分就是要讓投資人所以金管會有沒有去分配就是分析這個配息的這個成分比呢"},{"start":6951.072,"end":6973.433,"text":"你已經覺得不對了嘛不是不對而是說你不能拿投資人的錢然後配給自己說這是你的配息這個不好是我想主委你已經講出了一個重點你拿投資人的錢然後就是配息再次用我自己的錢然後你還收了我的管理費是不是這個樣子呢"},{"start":6975.383,"end":7000.455,"text":"那你的廣告廣告裡頭你看他們講了說業業配、記記配收多少、配多少拿了自己的錢叫做配息嗎?有沒有這個?不知道委員這個話也因為他還是有一些是他的成分股的股利或是債券的息只是說中間是不是有自己的錢在裡面我覺得這個要讓投資人清楚"},{"start":7001.115,"end":7018.352,"text":"所以你有沒有就是去讓投資人清楚這些問題呢有 報告員我們在報告中有我們報告中第8頁就有講到第7、第8都有講到我們對於收益評選金的分配的這些原則還有配息的審查跟資訊的揭露都有在做處理"},{"start":7019.153,"end":7041.439,"text":"可是如果大家有去注意到這些的問題的時候我想今天我們大家就不會每一個委員跟你做的一個建議都是真正的提出了一個公開資訊觀測站這個消費者誰會看我們每一個委員都是告訴你說金管會你要要求就是所有的業者的廣告要收清楚"},{"start":7042.319,"end":7065.039,"text":"那我們也知道說ETF的商品的一個利得它其實就是來自於三個面向我的資本利得、我的評準金、我的真正收到的一個股息可是問題就是說我這些還是你們還是這些業者還是用我的錢在分配我的股息啊那你要正視這些問題啊"},{"start":7066.502,"end":7084.92,"text":"有所以我們有在今年年初有訂了收益評準金的分配原則而且將來也會透過日常監理或是說檢查瞭解這些評準金分配原則是不是有被忠實的執行我想那個主委你看齁我這一頁的一個那個"},{"start":7086.502,"end":7087.504,"text":"那在下一頁在下一頁"},{"start":7099.946,"end":7117.122,"text":"就是說你的廣告怎麼去管ETF的熱賣是不是因為廣告的手法他特別的吸金所以就是說很多人他已經解除定存了這個是跟央行的一個關係跟金融這個就是我們金管會其實在"},{"start":7117.842,"end":7136.717,"text":"行政的一個前者裡頭是沒有關係的可是我要特別提醒你有沒有去管這個廣告手法這個廣告手法你看講了就是鄭建山喊咖又一家這個600億、500億喊了每一個人就覺得說哇我如果在現在的一個投資的一個市場裡頭我沒有去買00、00"},{"start":7143.175,"end":7161.553,"text":"940對你看你都比我記得還清楚00939對不對這樣很漏氣了沒有跟上時代的潮流那怎麼辦呢你儘管會對這些投信的投顧業者的一個銷售的ETF的一個廣告有什麼具體的法規有沒有具體的法規"},{"start":7162.173,"end":7176.866,"text":"其實我們以往對於投信業者在商品的廣告都要送到工會去審的那前年開始也針對網紅提請他注意但是這幾波看起來因為網紅有的不是投信直接跟他簽約透過行銷公司跟他簽約"},{"start":7177.927,"end":7194.609,"text":"所以網紅其實他後面可能是跟投信有關係可是在做宣導的時候他沒有說他是跟投信有關係所以有一種置入性行銷的味道那這些可能他在手法上比方說他拿這個配息跟定存比那這些都是不太妥當的"},{"start":7196.07,"end":7223.676,"text":"主委你已經看到了不太妥當了這個其實業者有沒有違反那個自立的一個規範那你們怎麼樣去處分我想就是說會後請你提供給我資料那再來我想再請教就是主委就是說在我們所有的公司裡頭有沒有哪一家公司還是有哪些公司就是說他是每一季配股息的"},{"start":7226.098,"end":7251.343,"text":"呃 我知道有幾家公司但是哪幾家我好像不需要我會後跟您報告因為我不用替這幾家公司不論是我跟你講齁 主委就是每一季配股息的就只有台積電報告 你是說台積電我以為是投信公司不好意思不是投信公司你已經不能站在這個地方一直幫投信公司打廣告了"},{"start":7252.944,"end":7267.842,"text":"對 我現在講的是公司哪一家公司所以我就想說針對業者的配息的一個問題ETF會不會變成了一個龐氏的騙局你有沒有想過這樣的一個問題"},{"start":7270.051,"end":7288.968,"text":"其實這也是為什麼我們對於收益評準金它的內涵是什麼它如何去操作如何分配一定要弄清楚不要讓投資人被誤導這是我們的重點對這個就是我們大家的一個社會責任嘛對不對所以我在想說你給我的8%可能有一半是我的錢啊"},{"start":7290.464,"end":7319.103,"text":"是我的錢啊所以你這個我想配息你必須要把配息的一個比例講得更清楚一點那你甚至要做更多的一個約束更多的一個宣傳甚至就是說針對業者他的配息的問題還有他的廣告的一個問題不管是在網路上的一個行銷剛才我看你的報告裡頭你寫得很好可是問題就是說在執行面有沒有真正的執行有沒有真正的落實這是一個"},{"start":7320.884,"end":7342.977,"text":"嚴肅的一個問題謝謝主委那接著我請那個央行總裁就是副總裁我想就是說就是在之前就是你針對00940掀起了空前的一個搶購的一個熱潮這個總裁特別就是示警大家要小心陽晴效應為什麼會這樣子講來副總裁"},{"start":7347.605,"end":7374.438,"text":"我想楊總裁可能看到就是說因為過去的臺灣的金融市場偶爾會出現大家一窩蜂的現象他提出只是這樣所以你在警告大家嘛對不對你在警告這些投資業的這些羊群就是說你們千萬要小心這一塊草坪如果你吃不到草了你千萬不要往就是有狼群最後的這個草坪前進是不是這樣子"},{"start":7375.953,"end":7398.34,"text":"大概你們的意思就是這樣子嘛是不是我看起來是是的可是你有沒有想到央行會不會就是這一群領頭羊呢這一群羊群的領頭羊呢為什麼因為事實上就是說實質的總薪資一直在下跌定存利率也趕不上通盤"},{"start":7399.46,"end":7415.689,"text":"我的選區裡頭太多退休的老人他們的利息太薄了那央行有沒有想到就是用什麼樣的一個方法然後可以去改善就是實質的負利率呢?副總裁你怎麼看勒?"},{"start":7416.277,"end":7441.876,"text":"那個報告委員維持金融穩定是央行的職責所以您剛才講那個央行是帶頭那個羊我覺得那是有一點點問題的說法這個是不對的金融穩定是我們的職責對那你有沒有穩定啊因為你利息一直都你的利息就是一直這麼低啊你沒有提升你的利息啊所以你看啊每一個人這個報告委員這是一個長期的問題"},{"start":7444.237,"end":7463.979,"text":"包括我們資金過多的造成我們整個社會這是一個長期問題資金過多這個是好事啊你央行你就是要分配啊你怎麼分配他呢所以你不認同我說你是領頭羊領頭羊通常就是最棒的可是我們要做一個實質上的一個最好的"},{"start":7464.96,"end":7477.606,"text":"我想那個實質利率或者是低薪的問題也都是我們長期在關注的問題我想我們在貨幣政策的時候也會考慮到這些問題的存在好 謝謝副總裁好 謝謝戴惠文的質詢謝謝我們請羅明財委員質詢羅明財委員質詢後我們休息10分鐘"},{"start":7492.714,"end":7512.99,"text":"主席各人處理的習慣大家好主席可不可以請黃主委然後等一下再請央行以及證券交易所還有請黃主委陳董事長招委長交易所董事長去招商去了請另外一位陳董陳永誠櫃買中心陳董事長主委我想請教一下"},{"start":7522.759,"end":7543.733,"text":"那ETF究竟它是什麼形式從什麼時候開始在臺灣來募集來販售那一般的民眾小白可不可以下去買最少的單位是大概要多少錢"},{"start":7546.141,"end":7563.564,"text":"我想ETF我們的介紹應該在第一頁都有說臺灣是92年開始第一檔ETF那到現在發展起來大概有48檔大概以股票為標的ETF大概一兆四五千億左右總共現在加起來的規模是多少"},{"start":7565.151,"end":7593.158,"text":"加上債券應該差不多4兆左右有4兆多那我們看到網紅在上面講說這是可以打敗定存的那請問主委你有沒有買我沒有買現在定存的利率是多少好像1.56%吧我想最高應該不到2%我沒有特別注意如果說不到2%的話然後ETF會不會倒會不會倒"},{"start":7595.137,"end":7623.856,"text":"要看什麼ETF如果各位記得那個2020年有一個反向槓桿反向後來也因為它的追蹤的標底的問題但是股票部分其實我這邊也有報告風險風險其實這都是風險之一只是相對它的發展機率大不大一般的民眾都不了解特別那麼亮麗的宣傳唯一可以打敗定存的"},{"start":7624.761,"end":7633.71,"text":"哇!好像跟神一樣因為這一次的情況是這樣很多人都沒有買到台積電主任你有買到台積電嗎?"},{"start":7635.578,"end":7663.729,"text":"我什麼都沒有所以我周邊很多人都沒有特別是小白好緊張無所適從所以很多人定存族存在銀行的老本五百萬、一千萬全部趕快解約甚至連房子沒有貸款趕快去做信貸趕快去執押貸款"},{"start":7664.4,"end":7693.428,"text":"拼啦大家一窩蜂最後一次機會啊臺積電都錯過了ETF不能再錯過啊因為這些人的恐懼跟驚慌主任你是不懂他們的心的法委員臺積電也有零股其實也是可以買的我們有零股加的我周邊沒有人買臺積電啊只有一個人買是投信的一個董事長而且買了好幾千億名字我就不說了"},{"start":7694.649,"end":7713.807,"text":"問題就是說當資訊不對等當所有小白在這樣的一個貧富懸殊很大的場境在這種環境之中沒辦法沒得選擇啊他跟我講很多的年輕人本來很想買虛擬貨幣"},{"start":7715.987,"end":7741.117,"text":"在美金一枚大概六千塊的時候很多年輕人就問我說我股票台積電我買不起也不曉得怎麼買然後很多人就說很多人說虛擬貨幣是年輕人的最後一個機會有人沒辦法就跳上車可是央行央行今天也來了從幾年前央行也一起上來副總裁"},{"start":7742.267,"end":7757.705,"text":"你們的總裁一直叫人家說那個是風險很大叫人家不要買就很多人都聽總裁的話都沒有買就今天證明請問一下副總裁現在比特幣一枚多少錢"},{"start":7760.165,"end":7784.208,"text":"比特幣過去的那個價格最近多少錢一枚過去我知道是7萬多接近7萬多的美元是美元所以你想想看已經差了10倍副總裁年輕人不希望年輕被留白更重要大家會怕"},{"start":7785.481,"end":7811.869,"text":"是不是在這個時代淘汰中他是不是野蠻生存遊戲他是最後的被淘汰的那個人大家都在撐啊所以 主委我剛請教你那ETF一般小白可不可以去買他的最低的額度是多少我 我很久沒有買這些東西了好 那請那個貴買"},{"start":7815.2,"end":7840.858,"text":"林董事長這個應該是你們在管的是不是我們主要是債券的ETF好債券的ETF那從你這邊開始他最低的購買的額度是多少每個人是不是都可以買還有從這幾年90幾年到現在買的人有沒有虧過錢每個單位的價格不太一樣有的40塊有的30塊有15塊"},{"start":7844.184,"end":7860.96,"text":"最低的那個入門的門檻是多少有些發行價格15或10塊啊不能這樣請那個李總經理好了李總請簡總簡總我想10塊錢以上到看他背後的一攬子股票的組成到100多塊200多塊都有"},{"start":7862.847,"end":7891.386,"text":"所以他只要出一百多塊他就可以買這個股票那個一百多塊是等於是要再乘以一千啦一張是一千股嘛對對對所以剛剛你這樣講可能他幾萬他就可以入門啊最近發行的新發行的十塊錢的話那就是一萬塊一個單位難怪啊主委這個問題就出現了多好的機會"},{"start":7892.932,"end":7920.923,"text":"而且你告訴我這十幾年來如果他買了不賣有沒有虧錢的案例這個我不太清楚但是我想股票有漲有跌他的成分股有漲有跌但他是不是一定都賺我不曉得要從實證研究那現在變成是一種全民運動特別是空手的是小白的但他覺得一定要跟上這個風潮啊這個大浪來你不跟上去那他怎麼辦"},{"start":7921.701,"end":7934.168,"text":"也許就被淘汰掉了所以主委我想請教一下那你對這些小白有什麼話說用力買還是不要買還是通通不要碰"},{"start":7935.888,"end":7959.326,"text":"ETF是一個應該是庶民可以去投資的商品但是必須你自己要了解這個商品的特質那當然監理機關這邊就要責成投信公司他必須要善盡告知這些投資人你的商品到底是什麼商品在這些公開說明書中都要詳細的跟投資人解釋清楚同時也不可以像您剛所說的"},{"start":7960.006,"end":7960.627,"text":"所以你們準備怎麼做?"},{"start":7982.93,"end":7983.33,"text":"主委請問一下這個買的機會都是一樣嗎?"},{"start":8010.789,"end":8037.69,"text":"會不會是因為他是大咖會不會因為他是市場的這個老手他買得到小白都買不到啦這應該是券商這邊出行市場部分都是看券商這邊通路上大家去去做申購啦好謝謝那請問那個簡總簡總買得到的人就是一些老面孔有很多人買不到啊"},{"start":8038.427,"end":8059.429,"text":"那你會不會開一個特別的窗口給這些買不到的人優先來成購跟委員報告其實ETF它是跟一般股票一樣掛上來以後呢在我們這個交易所或OTC的這個集中交易市場上面去做撮合所以它是很方便交易就類似股票一樣"},{"start":8060.029,"end":8079.148,"text":"那委員有提到說有買到有沒有買到這是在開始在申購的時候他成立的時候申購的時候那他有一定的限制或有一定的地方那這個還沒有掛上去掛上去以後呢你隨時可以在這個交易所這邊或OTC的市場上面買得到"},{"start":8079.928,"end":8097.035,"text":"對那個是在市面上當然你就是就用撮合的嘛對不對現在問題就是你要掛還沒掛上去的時候那為什麼張三里市他可以買這些小牌東都買不到勒我再跟您報告一下就是"},{"start":8098.561,"end":8121.031,"text":"他也有一些他在通路在是不是決定要賣給特定投資人也要看KYC也要認識客戶這個客戶是不是屬於他的風險屬性跟這個商品是相同的所以不是說我隨便誰要買都要買券商這邊也要有KYC的程序要去做主委這個承銷制度是不是有問題呀"},{"start":8123.663,"end":8149.304,"text":"那如果在這種既定的遊戲規範當中那小白永遠出不了頭了啊不會啊他有不同類型的ETF啊他都可以自己去做選擇沒有就最近最火紅的這一黨那您說的小白到底也許他也有一些投資的經驗我不太清楚那主委可不可以這樣這邊買不到的人吼那我們立法院這邊來登記然後拜託主委優先讓他們買"},{"start":8150.666,"end":8162.827,"text":"最近這一檔上禮拜就已經結束了吧上禮拜五截止了啦上禮拜五截止為什麼有人買得到有人買不到他去找嚴大這個就是一個不公平性嘛"},{"start":8165.347,"end":8191.396,"text":"這個是實務上可能就像趙偉說的請主委要注意一下在現有的這個遊戲規則當中強者恆強所有的新手所有的弱勢所有的小白永遠是人為刀齒我為魚肉希望主委可以打破這個不公平的一個制度這麼好康你怎麼不給別人給這些人為什麼都是這些老面孔"},{"start":8192.421,"end":8207.264,"text":"不是你把資料全部調出來有多少的集中度百分比多少就是那些人好的通通都拿去壞的要成銷才不然你這個買不到你去買另外一個買了就套套了就慘"},{"start":8209.479,"end":8224.244,"text":"對 這個制度是不公平的委員您提醒我們我們會去制度上去做一些研究謝謝委員好 謝謝羅委員的質詢我們剛剛已經有會議宣布休息10分鐘請兩位委員稍後好 我們休息10分鐘"},{"start":8832.881,"end":8849.954,"text":"好 我們繼續開會接著我們請黃珊珊委員質詢謝謝主席 請黃主委有請黃主委委員好"},{"start":8858.156,"end":8873.805,"text":"主委我想我們之前都討論過很多次那今天的主題是ETF我想就臺灣為什麼ETF這麼熱絡或者是現在這麼熱絡你個人的看法它的原因是什麼為什麼現在這個時間這麼因為這幾年臺股的這個市場是漲的"},{"start":8884.857,"end":8901.584,"text":"對 臺股是這樣的但是 是不是另外也是證明說臺灣很多的民眾他其實我們缺乏很好的投資工具或者是他對於他的錢不知道要做什麼樣的投資然後會在這個時間特別往這個部分移動"},{"start":8903.924,"end":8917.509,"text":"希望能夠比有定存好一點的收益的商品相對安全然後呢但這一次我們發覺其實因為它有些廣告有一些誤導的地方就跟網紅在中間有一些關係對,所以"},{"start":8919.813,"end":8945.782,"text":"主委我想這個ETF其實在國內的資本市場的比例並不大但是它整體規模也僅多佔台股的1%、2%整體來說它應該不至於會造成好像非常非常嚴重的狀況可是看起來最近的狀況已經變成一種全民風潮就像剛剛我們的很多委員同意說很多人連房子都去貸款"},{"start":8946.522,"end":8973.186,"text":"特別來買ETF那同樣的就是我們之前談到也是因為臺灣我們非常多的人我們的財經素養並不是很夠我們對於相關投資的判斷也不是很了解所以另外一種就是不好的就是被投資詐騙掉了那現在好一點的我們就是去買ETF我想問金管會你對於臺灣這些投股公司繼續推出ETF是採取鼓勵還是防堵的措施"},{"start":8974.741,"end":8978.524,"text":"所以你們是採取只要符合我的規範你們就可以自由的推入對吧"},{"start":8990.433,"end":9008.445,"text":"活絡資本市場是金管會的職責民眾也希望能夠有機會投資到比較好的產品重點在於從你這次推出的ETF熱潮提出的四幾個監理方案看起來就是表示這個市場現在是混亂的"},{"start":9010.352,"end":9036.865,"text":"1.強化KYC表示原來沒有做到2.加強投資教育宣導5.表示原來的宣導不夠3.ETF的廣告規範這就是你剛剛講現在最嚴重的是這個廣告的問題4.評準金的規範顯然是不是在這場的ETF熱潮中發現了這些問題那之前有做過哪些的處置"},{"start":9037.796,"end":9039.658,"text":"所以表示主委我們並不是要加強嚴管"},{"start":9056.803,"end":9084.314,"text":"加強控管其實我跟你這個意思其實是說很多制度現在就有有沒有具體落實除了網紅的部分之外好網紅的部分這就是我今天要問的網紅的部分按照相關的投信投顧法它其實如果說有誇大或不實其實是有相關法則的對吧是問題它不是投信投顧所以那它是什麼這就是一個新興的一個市場那它現在是用哪個法規來處理"},{"start":9086.328,"end":9110.749,"text":"公平法前兩天有發布一個規定有處理那現在就是要看投信跟網紅的連結能不能再找到一個關係去處理現在都是這些網紅他不是只有代言這些投資商品他還代言虛幣啊他還代言各種的投資啊因為我剛剛講的我們的民眾需要投資的工具跟標的但是他們"},{"start":9111.71,"end":9121.779,"text":"找不到好的就會受到這些影響第二個他就可能不是被詐騙就是去投資這些可能比較不適合他的商品"},{"start":9122.774,"end":9141.287,"text":"所以廣告才是這個案子最大的癥結點不是嗎就這個個案我覺得委員您的指示是我認同您的想法所以怎麼樣把這個廣告規範搞清楚第二個網紅代言ETF如果他發生了剛剛講的這些問題他不被處罰那我們罰頭信頭顧嗎"},{"start":9147.737,"end":9170.203,"text":"我跟委員報告現在就在請公會再去討論怎麼去處理總而言之如果所以現在還要討論所以它不屬於投心投顧業可是我們在投心投顧法裡面投心投顧事業從事廣告公開說明的相關的限制要主管機關定制然後70條之一不是投心投顧業不可以有任何廣告的行為這兩條法其實蠻清楚的"},{"start":9172.964,"end":9197.281,"text":"只是非屬投信投物業做了這個廣告你們現在的法則看起來在法裡面是一個很大的疏漏不是嗎對 所以要針對現在新興的這樣一個社群媒體的力量看是不是可以創造投信跟它的連結由投信去負責任所以現在的是問題就在於說我們相關的法規這中間的漏洞你什麼時候要把它補起來"},{"start":9198.427,"end":9225.447,"text":"報告委員因為政情局因為我怎麼找都找不到法他們的法條所以表示你們也找不到那因為找不到所以無法可法所以他就繼續在各種不管是任何社群媒體上面繼續的宣揚這樣的東西主委啊這不是我們現代社會應該法治國家應該有的行為吧是但至少公平會有3月8號如果推到公平會就表示經濟會失職啊不是"},{"start":9227.048,"end":9251.491,"text":"我不是說公平會我們就不做而是說我們怎麼樣去有一個邏輯的推動這個絕對不會到公平會去而已啊這個絕對是在金管會的轄下裡面你所主管的業務他們碰到這種東西主委很簡單如果他是連結那我們就必須要管理如果他不是這個進投估業他違反了這個規定我們就必須要處置"},{"start":9253.513,"end":9253.793,"text":"好 第二個 如果"},{"start":9283.15,"end":9295.98,"text":"這些要法假設我們找到法則了現在這些網紅不只代理這個ETF他還代言虛幣虛幣的部分有沒有法則?也沒有"},{"start":9298.238,"end":9301.961,"text":"這個代言就跟銷售是有還是在法律關係上是不一樣的"},{"start":9328.598,"end":9346.804,"text":"代言虛幣的部分虛幣部分目前我們沒有目前是根據資管平台這個部分但虛幣部分沒有所以網紅代言虛幣完全無法可管目前沒有這方面的如果他代言的話他算不算投信投股啊不算"},{"start":9348.342,"end":9365.081,"text":"因為它不是有加證券是 所以它什麼都不是所以它是一個又是一個新存在而不知道如何管理的我們要訂專法今年9月份會有一個專法的所以要趕快立專法那現在的這種青黃不接的時候我們該怎麼辦呢"},{"start":9366.636,"end":9378.536,"text":"我是民眾我看到網紅代言我就跑去買了就像剛剛很多委員在說大家都是因為這樣子跑去買的甚至把房子拿去貸款跑去買"},{"start":9379.827,"end":9399.407,"text":"但他希望能夠有好的投資管道所以現在無法可管這段時間的空窗期我們要怎麼處理報告員容我跟您報告虛幣跟ETF可能不能同時類比ETF是我們核准的商品我同意但是我的意思是說兩個都要有人管"},{"start":9400.832,"end":9410.401,"text":"虛弊是金管會在管但是我們是管平台但是網紅部分我在思考也許看看今年這個專法有沒有可能對這一塊去著落看看國際間的慣例"},{"start":9412.315,"end":9439.041,"text":"因為在歐盟已經針對所謂的這個代言他們有相關的規範以為說這些目前為止其實是可以往前走的在歐盟的法案裡面對網紅已經有相關限制放在市場操縱禁止條款中所以外國是有案例的所以主委我希望這兩件事情不管是哪一種我們都希望把現在市場上面這種網紅代言"},{"start":9441.021,"end":9464.898,"text":"但是他可能會造成人民會不了解相關商品內容的部分我覺得至少金管會要出手干預啊否則就像很多之前發生很多雷曼兄弟那個時候也是如此銀行在賣怎麼可能賣假的東西但是因為廣告太誘人了最後一個就是我想最後一個問題"},{"start":9467.011,"end":9481.216,"text":"我們最近有一個營業員來陳情就是有關政交法如果違約交割的話然後目前為止因為很多都是手機APP在下單跟營業員其實沒什麼關係但是如果違約交割"},{"start":9485.905,"end":9506.097,"text":"即使責任全歸客戶的話如果沒有辦法追到客戶目前營業員還是要負責任可是這個目前為止在手機已經下單的時候我不明白為什麼跟營業員到底還有什麼關係所以這個部分是不是可以請主委這邊也來做一些相關的修正或討論因為營業員認為說他從來沒見過這個客戶可是這個客戶"},{"start":9510.563,"end":9510.943,"text":"謝謝華山會委員質詢接著我們請嚴匡衡委員質詢"},{"start":9550.842,"end":9556.689,"text":"主席、各位律師委員主席我先請金管會黃主委有請黃主委"},{"start":9562.041,"end":9583.003,"text":"委員好主委好主委那個ETF熱賣那許多投資人就不只解定存拿房子貸款那一窩蜂的都搶著要買那有很多人買不到那除了菜市場在那邊賣菜賣肉的"},{"start":9588.308,"end":9608.444,"text":"連程序都可能不清楚在這種市場的區別之下投資人根本不了解基金的特性那這樣子進場那就是投信公司的廣告跟這些網紅的宣傳那流動資金大量湧入ETF市場"},{"start":9609.725,"end":9625.931,"text":"投資人也是看到這些社群平台還有網紅的說明去進行買賣那針對投信跟網紅的部分那修正相關規定還有強化控管制度的部分是不是請主委說明一下"},{"start":9627.014,"end":9644.208,"text":"有,謝謝委員您的垂詢我想這部分的確是我們在最近看到投信在行銷上的一個一個我們覺得需要去立刻去調整的地方因為這些網紅他可能所在現場上沒有讓"},{"start":9645.049,"end":9664.939,"text":"投資人理解到其實他後面是有跟投信做連結的那所以對他的話術就可能覺得他是很公正的那其實他是後面是有投信跟他有一些商業上的契約那這部分怎麼規範我剛才有報告在報告也有講我們儘快6月底之前要跟工會把這個自律規範給他訂出來"},{"start":9666.46,"end":9668.282,"text":"這段時間我們要怎麼樣去做一個一個有效的宣傳廣告讓這些"},{"start":9686.201,"end":9714.216,"text":"民眾可以瞭解到說真正的實情狀況不要到時候因為這些網紅他有一定的影響力是那不要說公信力啦說影響力應該比較貼切那所以造成說到時候因為這個運貨風的購買然後搶快那到時候因為這樣up down或者說遭受到這些虧損"},{"start":9715.296,"end":9732.804,"text":"然後呢後來會衍生出更多的問題也是金管會主管機關到後來要面對的那所以我們6月底之前要把這個規範出來但是這段時間我們現在才3月是 我跟您報告我們在報告中也有說有3個月的時間"},{"start":9733.504,"end":9760.813,"text":"其實我們在去年11月就有請交易所購買東西我們會請工會用新型態的媒體包括這些年輕人喜歡用的管道去宣導讓他瞭解到投資這些商品該注意到的金融的知識這個商品安不安全可不可靠這個要靠主管機關來做更多的釐清那因為現在我們知道說現在熱錢都在房地產那因為現在ETF"},{"start":9763.674,"end":9784.811,"text":"這麼趨熱的情況之下現在在ETF總市值有多少4兆多包括債券比較多債券型比較多股票大概1兆5左右4兆多那表示說有這麼多的熱錢都跑到ETF這邊過來是不是也分擔了一些跑到房地產去的這些錢"},{"start":9787.662,"end":9811.801,"text":"這個我不是專家我想大家民眾對於類似這種商品有一定程度的興趣吧臺灣2月份的這個消費者CPI指數年增率3.08那創2022年7月以來的最高的新高最高那是不是因為民眾因為要抗通膨所以把錢投到房市那又看到ETF這麼熱大家搶著買所以又把錢"},{"start":9816.164,"end":9816.464,"text":"我請主委說一下"},{"start":9835.113,"end":9861.29,"text":"我想商品是中性的那當然臺股的ETF因為可能最近這幾年臺股的這個本身比較成長所以大家看到過去的績效覺得可以繼續去投資當然ETF下面有不同的成分股那這些股票漲漲跌跌總是有它自己本身的一些規矩規則我想還是要特別"},{"start":9862.19,"end":9863.331,"text":"平均地權條例新法在去年的7月全面上路"},{"start":9879.466,"end":9886.852,"text":"最重要的就是禁止預售屋跟新建成屋的換約轉售那違則可處罰50到300萬當民眾購買預售屋禁止轉約後那一旦反悔就只能夠選擇退戶"},{"start":9898.786,"end":9919.214,"text":"那退戶要收取高達15%的違約金民眾當然不願意被罰這一筆錢當然發現自己購買的預售價格又上漲那是不是就會轉接到這個檯面下的一個黑絲的交易"},{"start":9920.194,"end":9932.596,"text":"那如果 是不是這種情況讓有心人就會在地下操作這樣子的情況發生要如何能夠金管會這邊要怎麼樣去抑制炒房"},{"start":9934.408,"end":9961.797,"text":"報告委員其實您說的這部分是屬於不動產交易的實務今晚會在行政院的穩健方式的政策下基本上就是強化金融機構對於不動產受信用的品質跟風險管理那另外其他部分有一部分是中央銀行在選擇信信用管制上的一個政策"},{"start":9964.218,"end":9989.374,"text":"當然房價上漲的原因包含很多材料變貴、工錢、薪資增加、土地成本增加的部分對於房地產上漲的預期心理不管推出怎樣的打房政策投資者還是願意購買房子就希望說抗通膨讓錢能夠保值就算打房的策略作效也沒有辦法讓房價"},{"start":9991.555,"end":10009.66,"text":"有效的回跌那房價趨勢還是往上的所以整體來講打房是不成功的是不是我可不可以請教主委這個說法我們經常會其中之一我們不太適合去評估但是基本上我們對於尤其是這個銀行的壽性來講"},{"start":10012.825,"end":10033.149,"text":"對於這個借物跟不動產的預放比率都是0.1516左右大概都很低表示資產品質其實是可以的是可以的可以接受的好謝謝主委那請主席請嚴副總裁曲副總裁委員好"},{"start":10040.098,"end":10060.926,"text":"副總裁那主委請回座本席上個禮拜有問過主席長認為如果將主席長說如果把電費調漲考量進去所以今年4月電費調漲我覺得通膨率依然會高於通膨的警戒線"},{"start":10062.447,"end":10080.2,"text":"那電費調漲是勢必也是利率調漲與否的一個焦點我想國人都非常關心這個議題那FED在2月CPI報告中升幅略高於預估"},{"start":10081.243,"end":10096.809,"text":"那對降息將更加審慎在各國包含FED ECB都在考量降息的過程當中的情況之下我國是否有可能會因為電費的調漲反向升息可不可以告訴我們"},{"start":10099.363,"end":10127.756,"text":"那個報告委員因為那個我們在每次開理事會之前我們都會做整體的物價房地產市場的評估那因為我們禮拜四就要開會了所以我今天不方便直接回答您這邊的問題而且每一個國家的貨幣政策或利率政策其實是根據他當時候的那個資料去決定的所以我們要等到禮拜四以後我們才會正式公布"},{"start":10129.137,"end":10131.261,"text":"禮拜四才會有答案我問的是說這個"},{"start":10138.211,"end":10159.798,"text":"所以我們升息是不是會受到因為電價的調漲所以影響到我們升息你可不可以回答我是不是因為我們看到就是說我們原來去年底的預估的時候是1.89那現在因為預期電價調整也造成一些預期心理的形成所以我們可能會善調我們對物價的預測"},{"start":10164.72,"end":10192.572,"text":"那其實貨幣政策除了考慮物價之外也還有考慮其他的很多因素升息是不是一種抑制熱錢投入房市的一個方法我不知道那是不是可能我們如果用升息這個手段也是一樣會付出經濟成長減緩的一個代價不只這樣啦因為所有的貸款這個族群都會受到影響"},{"start":10193.732,"end":10212.833,"text":"所以升息是不是唯一的方法那是不是一定會升息報告委員因為我們在討論貨幣政策的利率調整所以我們其實考慮的因素是多方的絕對不是一個因素謝謝好 謝謝好 謝謝顏寬恆委員的諮詢接著我們請武力華委員諮詢"},{"start":10230.511,"end":10231.593,"text":"謝謝主席 有請主委"},{"start":10239.935,"end":10261.37,"text":"謝謝主委今天專報是來報ETF熱賣那我們從去二月份交易熱絡的前十大ETF我們可以看一下他們標榜的投資高地很多都是寫高股息、高股息、高股息那幾乎是佔了一半以上"},{"start":10262.17,"end":10270.519,"text":"那也就是說高股息三個字呢好像成為必勝的命名方程式就是一定會大賣主委你也是這麼看嗎"},{"start":10273.598,"end":10293.149,"text":"我想他只是標榜他成份股可能過去的這個股力比較好這個我想這個我不太適合做評論是不是必勝不能做評論大家都喜歡用這三個字那沒有關係你說要看成份股我們看一下上個月二月"},{"start":10294.19,"end":10310.877,"text":"前四名的ETF我們看一下它的成分股其實很類似非常的類似那為什麼我們關心這個問題因為我們可以來看以這二月四大高股息的ETF它的成分股當中的大聯大"},{"start":10312.445,"end":10327.73,"text":"幾乎他們這四家就已經佔比將近18%也就是說ETF甚至已經要成為公司最大股東那再換算看他的30萬張持股如果以他的日均成交量"},{"start":10328.41,"end":10350.843,"text":"一萬張計算如果發生什麼變動一旦發生什麼變動它最多是需要30天才賣得完就會造成流動性的影響所以想要請教一下主委金管會這邊是不是有針對全台股ETF市場的流動性進行壓力測試看看是不是太集中某一些部分股票"},{"start":10353.444,"end":10367.852,"text":"謝委員您非常的專業我想您提到那個某一檔股票那個應該在整個ETF的成分股中沒有那麼大概就也許有一些這種請問那是極少的個案但至於說有沒有可能"},{"start":10368.652,"end":10389.22,"text":"同賣同買這個情況我想在我們的這個報告中我們在今年1月份就請交易所供來中心就這個整個市場風險的監控去做建立制度目前大概有一些有正在研究中我想這就是我們要處理的問題但是這個問題不見得會發生只是把制度上去精進"},{"start":10390.917,"end":10405.559,"text":"因為我們也不專業絕對沒有你專業委員比較專業你剛問的問題都非常的深入標的因為我們只是擔心說像我們看這四家如果他的成分股過度集中他就會帶動指標公司的漲跌"},{"start":10406.38,"end":10430.709,"text":"那我們也會擔心說他會邊緣化一些中小型股那造成後續的投資困難那另一方面呢也擔心公司因為配息不足那公司他就會被踢出一些成分股那公司又為了增加配息他就會減少一些投資那影響到公司的成長所以剛剛你有說那如果評估有影響的話那金管會的強化控管措施會是什麼"},{"start":10432.642,"end":10450.837,"text":"這個正在研究中主要就是這種如果成分股集中在某幾檔上市公司那這種如果對市場上的波動上他有沒有辦法有流動性的因應管理這部分正在研究處理但目前我想還沒有這個問題"},{"start":10452.538,"end":10467.713,"text":"整個的交易的市值在每天大概1%左右基本上應該還不到大家關心的會不會操控這個股價這個部分謝謝主委我們總是希望未雨綢繆因為我們的投資很多都是小資族"},{"start":10468.694,"end":10490.916,"text":"其實他們都是很辛苦都是畢生的積蓄那我們這裡呢就是看到這一次的這個0094年的這樣的一個沸沸揚揚的新聞他的討論度聲量呢我們可以看到上個禮拜一度比柯文哲還要高那為什麼我們這裡會提到這個因為我們有憂心啦其實上週"},{"start":10491.937,"end":10499.024,"text":"央行總裁來也有被問到這個問題那有問楊總裁說他怎麼看ETF你知道他怎麼回答嗎"},{"start":10501.294,"end":10527.157,"text":"您不知道好像圖上面有看到對 他說就是一群羊跳下去那一群羊跳下去如果是正常的羊還好我們是擔心說如果帶頭的是間諜綿羊那在這裡我們就可以看到他討論度很高以這個Dcard來講他就會出現很多的推薦文那我們也不知道這是真正的投資客的發文還是投信他是去買網路的行銷廣告"},{"start":10528.519,"end":10546.397,"text":"所以在這裡就是想要特別請教主委針對網路的這種行銷廣告你們的專案經檢是不是應該要一併的檢查那未來是不是也要強化揭露我的意思是說例如他發文的時候是不是要去要求他說是誰委託發文"},{"start":10547.518,"end":10558.787,"text":"也就是說廣告主是誰那當他做推文的時候也要寫他是代表某某頭性我想這個資訊揭露是很重要的那我們會朝這個方向去做嗎"},{"start":10560.123,"end":10580.936,"text":"是的我想委員這也是我們看到目前不論在我們日常監理或是我們最近做了一些檢查看到了投信公司有那種跟網紅之間的關係然後網紅做不當的行銷的這個缺失所以我們會在6月底之前跟投信投物公會擬定一個自律規範去做處理"},{"start":10581.716,"end":10601.127,"text":"很好謝謝主委關心這個問題就是大家因為看到我們很多的小資族新聞上也有出家人那就是因為央行的利率不高嘛那銀行的定存利率也低又看到ETF它的月配息高而且穩定所以呢大家就解除定存"},{"start":10602.649,"end":10617.809,"text":"來買報這個ETF那我是這樣想除了加強管制它節流我覺得金管會也是要開源提供其他好的金融商品那像最近金管會提出的這個REIT它的不動產證券化"},{"start":10619.671,"end":10636.546,"text":"他其實相對的就是租金收益利息是穩定的齁但是我們也是覺得有一些隱憂啦怎麼說呢就是他會不會去影響住宅市場讓房價上升又或者因為他也可以去做一些基礎設施那民眾能不能參與這種綠能的投資 主委"},{"start":10639.874,"end":10660.744,"text":"謝謝委員我們的要送給大院審查的投信投估法裡面的所謂的REIT他沒有連接住宅所以不會有大家顧慮會使房價上升的問題但是他有包括這種綠能投資只要他能夠有固定的現金流量他是可能被證券化的所以這個是跟委員報告"},{"start":10661.644,"end":10681.391,"text":"好 謝謝主委那我現在就是要提到說另外一個問題因為我知道的是環境部有委託我們金管會要來協助建置溫室氣體減量額度的交易機制簡單來講就是碳交易機制那我們也看到你們的報告有提到說2023年"},{"start":10683.192,"end":10697.082,"text":"政交所會收集國外溫室氣體自願交易機制跟經驗供環保署參考想要請教一下主委各國交易機制報告已經完成了嗎那是不是有對外公開"},{"start":10699.631,"end":10721.061,"text":"這個跟委員報告這應該是去年上去年上半年我們根據氣候邊遷因應法當時有立委建議在那邊加一個由環境部指示什麼相關主管機關所以就指示金管會請交易所配合所以這個相關所有的政策都是配合環境部去處理的金管會本身沒有去涉入"},{"start":10721.681,"end":10734.895,"text":"好那至少你們去年底你們已經進行了第一拍嘛國際探索的掛牌交易對12月嘛去年年底而且呢這個第一次第一拍還售出了8.8萬噸的探權然後國內呢有27家的企業"},{"start":10740.12,"end":10755.618,"text":"他們都已經搶購一空那其中呢萬海他也已經抵銷了2000噸的國際探權而且他有標榜一個叫日台探中和航線那我想請教國內呢國內探權交易機制的建制狀況呢"},{"start":10761.052,"end":10777.748,"text":"這碳交易所是環境部的政策所主導的所以意思就是說環境部提供的方法學都是由他來發號施令是你們只是被動的他叫我們做什麼我們就做什麼他請交易所成立一個碳交易所去配合"},{"start":10778.488,"end":10792.174,"text":"我會去問我問過環境部啊那至少我也想要問一下主委就是國內探權交易的建制狀況而且520以前會不會有第一批的國內探權上架我請那個交易所檢總經理來說沒關係就簡單回答"},{"start":10795.605,"end":10811.541,"text":"我們在國內減量的這個交易的建制上面初步在7月份會有初步的建制下放所以7月會有對不對我之所以這樣子講上週的新聞我們可以看到百噸以下的碳交易免手續費"},{"start":10812.702,"end":10839.542,"text":"而且是說環境部擬修正避免業者規避結果呢 細看內容他上面是說在3月8號的說明會與會的金管會代表認為未達100噸的100公噸的小額交易若免收5%的手續費事業單位有可能會藉此將大額交易切割成小額交易來規避手續費表示金管會的意見很有影響力"},{"start":10841.043,"end":10855.791,"text":"那我是覺得我覺得並不是那麼有道理甚至我覺得這種講法並不是那麼有道義啦為什麼因為金管會探交所你們可以透過你們的監督機制去防止切割啊為什麼要因業費時為什麼要因大費小"},{"start":10858.152,"end":10876.858,"text":"因為你要知道手續費過高是不利小額交易沒有錯但是我們要講的就是說很多都是小額交易啊我是原住民我很關心很多的原住民族人都很關心碳匯碳定價我們來看一下全台的原保地有6.7"},{"start":10880.44,"end":10899.448,"text":"以元寶地來看領這些淨法補償的平均每一個人會有1.5公頓1.5公頃那我現在是說未來如果我們無論採既有人工林的書法與再造或森林經營攤貴的方法學專案我們都希望是以小額的自然人為主體"},{"start":10900.288,"end":10913.556,"text":"所以現在大家詬病的就是否企業嘛所以國內探權的我們也一直在等所以呢我是希望說主委我想請教你探交易的參與者後續您認為是不是應該要納入自然人"},{"start":10915.114,"end":10939.106,"text":"我跟您報告這個東西都是環境部在規劃可是您今天對我們的指證我們會再跟您請教謝謝因為你們一定會有一個平台會開會所以我希望我們這個地方也能夠有一個共識知道我們在想什麼所以你們的意見很重要主委我是不是請相關同仁包括交易所去您辦公室跟您請教好 謝謝主委 謝謝主席"},{"start":10942.629,"end":10960.929,"text":"謝謝吳立法委員的質詢接著我們請王紅薇委員質詢好 謝謝主席我想先請中央銀行副總裁先請嚴副總裁"},{"start":10965.99,"end":10984.842,"text":"委員好副總裁好今天主要要談ETF不過呢我也有剛才仔細看你們的報告因為大家也會關心現在過多的游資除了追逐ETF之外也很擔心這些錢會不會倒向會不會流向房市那現在呢就是以"},{"start":10986.042,"end":11014.438,"text":"現在政府來說我想基本上包含今年平均定學條例的上路還有房屋稅差別稅率2.0準備今年7月實施基本上這個都算是一個打房的措施那我想請問一下中央銀行在去年有這個算是2023年版的一些相關的這個打房措施那請問一下2024年中央銀行有沒有一些打房措施"},{"start":11017.137,"end":11034.506,"text":"報告委員因為我們每一次在理事會之前我們都會針對國內的金融市場和房地產市場做分析和評估所以其實在每一次會議的討論裡面我們都會涉及這個問題那是不是會有政策出現可能就是由理事會來決定"},{"start":11035.782,"end":11052.961,"text":"所以這次禮監事會裡面也有針對會不會擔心熱錢流入房市使得房市過熱的這樣的議題會在禮監事會裡面討論我剛才跟委員報告就是說我們在過去幾年每一次的禮事會都會針對房地產市場問題有所討論"},{"start":11055.316,"end":11080.801,"text":"好所以呢就是2024年因為到現在為止大家也在關心嘛你們包含一些貸款陳述選擇性信用管制會不會繼續的持續所以都會在禮監事會討論所以也不排除會有2024年版的打房措施囉我們每一次在禮事會後的新聞稿你現在變成是在倒帶了好那就謝謝副總裁時間暫停時間暫停"},{"start":11083.615,"end":11112.072,"text":"我請我們那個金管會有請黃主委黃主委是 委員好主委00940他們把它講成說快樂領袭就是你就是你但是呢同時呢也很特殊的在這與此同時已經出現了自救會而且超過兩萬名自救會那麼的會成員那所以"},{"start":11113.106,"end":11123.761,"text":"我們過去在講股市說如果啊這個街上的插鞋童都在談股市的時候就代表股市過熱了以前是有這種說法那最近的00940的這個熱啊比如說我去到電視台上節目"},{"start":11129.008,"end":11142.955,"text":"那些書畫師一邊書畫如果他是一些來上投資理財的他們就開始問要不要買00940然後呢很多的小資族在辦公室都在說你有沒有買00940所以"},{"start":11147.489,"end":11166.784,"text":"各位你會不會覺得現在確實ETF特別就是之前還有一檔這樣加起來大概好像已經破了好幾千億我已經忘了那個數字那非常非常的驚人尤其00940三天就破一千億然後聽說好多的券商的電腦都因此而當機了"},{"start":11167.987,"end":11176.806,"text":"所以諸位你認不認為現在的這個所謂高息高配息的ETF是不是真的過熱了"},{"start":11180.018,"end":11208.575,"text":"我想主要是因為過去幾年臺股的表現不錯所以這種以臺股為成分股的ETF的確它有配到它有長到天頭對它股價賺了然後它配息也配得很好是 可能讓投資人覺得那我繼續買下去可能也會達到這個目標大家頭耳相傳那我說此時此刻是不是過熱了以我們過去看到的這樣股市這麼多的商品股票也好"},{"start":11209.235,"end":11228.948,"text":"他算不算過熱其實應該是反映現在國人的儲蓄率高他們希望找一種能夠有這種固定能夠收回資金的這樣的一個商品去投資那這種商品正好符合國人的期待但是另外還有一個要跟您請教的就是其實中間有一些"},{"start":11230.669,"end":11257.844,"text":"網紅他在跟投資人傳達訊息我知道你們最近會有一些措施來看一下我們台股的ETF其實規模真的是狂飆當然它的原因有很多種一方面股價上漲如果股價下跌說實在也不會這麼熱因為大家都說它高配息但是很多也去忽略它有它的投資風險在所以你可以看到這個是"},{"start":11259.865,"end":11282.215,"text":"現在到今年二月底已經飆到一兆五千多億這是非常非常高啦當然相對而言他也挹注了臺股的一個資金動能我們來看下一頁我知道金管會要出手了我剛講說你是不是覺得過熱你一直不願意講但是呢我相信你一定是覺得過熱不然的話金管會為什麼要出手呢"},{"start":11282.995,"end":11311.058,"text":"但是呢你這邊我待會我先問你有關於限制網紅宣傳的部分當然你說要有標示警語就像什麼基金投資有賺有賠我們都常常聽到的你不能強調月配息那我這些我都還可以接受但是聽說你們要要求網紅在宣傳的時候你不能說打敗定存那我覺得這點就有點奇怪了他本來就打敗定存"},{"start":11311.678,"end":11325.806,"text":"今天如果不是定存利率那麼低的話為什麼這麼多人去追求ETF呢所以他確實在他的這個配息上面他確實打敗定存那你不准他講我覺得這點沒有什麼道理吧"},{"start":11326.84,"end":11344.001,"text":"我能跟您報告這個規範還在工會在研擬中所以最後怎麼樣去確定還不確定只是說不希望把商品跟定存去做連結了就像以前寶刀一樣你做連結但是我覺得重點你如果說就配息來講它真的就比不過定存了嘛對不對"},{"start":11344.762,"end":11350.683,"text":"但是我覺得就是要強調它的一個投資風險不是所有ETF都賺也有一些ETF都點破淨值的也有啊後面在點頭因為你們懂可是很多的小資族很多的年輕人或者很多的一些他對股票投資不是那麼熟悉看到大家都在賺股票對不對然後有這樣的一個商品"},{"start":11369.868,"end":11393.137,"text":"所以他覺得他要去投資這個也無可厚非那當然網紅宣傳他會有推波助瀾的效果可是我真的覺得就是你們的相關的要求也要合理啦我聽到說不能打敗定存我就覺得這是什麼人家實話不能講嘛另外請教一下你們會不會去訂定設立募集上限目前沒有"},{"start":11394.994,"end":11411.687,"text":"完全沒有這樣的考量沒有所以現在什麼00940這樣子一檔就是可以吸金吸這麼多以後可能這種盛況不大容易再看到了那麼你不準備未來要去定一個募集上限"},{"start":11412.703,"end":11441.21,"text":"我現階段沒有這個想法因為我想現階段主要還是這次也有一些特別的情況主要還是覺得在宣我們最近1月初檢查幾家大投信發覺網紅在中間有一些不太合適的推波助瀾的效果希望有一些規範這次針對網紅目前上線目前沒有這個可能很多投信會非常感謝你好來下一頁"},{"start":11442.932,"end":11472.079,"text":"我們要發主動型ETF嗎這個是有啦不過我剛才郭昭偉在質詢的時候我覺得郭昭偉講的也很有道理所以我們會通案再考量通案考量然後包含他要用全透明式或者是半透明式那我看好像現在有這個方向嗎這個可能是工會跟政企局在討論目前還沒有還沒有確定是不是沒有"},{"start":11472.847,"end":11483.335,"text":"因為看起來好像工會比較傾向於是全透明式我不了解不過委員有什麼特別的指示可以交代給我們我們來做參考"},{"start":11483.871,"end":11511.462,"text":"我覺得你們應該把它利弊得失通通把它列出來我覺得這個有關主動型ETF我不會說覺得不應該去推可是相關的什麼全透明半透明我覺得你應該把所有的相關的利弊得失通通列出來然後再去做好好的研究這樣是比較好的方式我們是會今天特別謝謝委員還有剛剛郭昭瑋有給我們很多指導我們會一併跟工會去討論謝謝"},{"start":11513.766,"end":11517.867,"text":"好 謝謝王宏偉委員的質詢 接著我們請陳玉珍委員質詢主席我們請這個主委來有請黃主委委員好"},{"start":11537.655,"end":11564.653,"text":"這個我們看到我剛看很多委員都有質詢有關這個ETF這件事情最近這麼熱好像如果沒有買就跟不上這個時代潮流那我想到這當然幾個原因第一個我們台灣的錢大概算是很多啦然後第二個可能民眾對於這樣的這種金融商品的理解度不夠所以你們也有說你們要做一些相關的這個政策"},{"start":11565.273,"end":11587.228,"text":"所以我想我又根據在在根據剛剛幾位委員的這個質詢我想有些問題還有想要跟您請教第一個剛剛那個王委員說這個沒有募集上限這件事情所以你說的是說每一檔的他的這個ETF他每一檔的話他就從頭開始募集可以一直募集到隨時是嗎沒有時間點嗎"},{"start":11590.68,"end":11605.767,"text":"沒有他募集期間本來在發行計畫中都有定所以有時間只是說我們沒有先這一段沒有說你這一檔最多只能募集到多少所以說比如說那你有沒有給他他會先給個計畫那這中間會不會有一個大概是一般會給多久的時間呢"},{"start":11610.544,"end":11630.301,"text":"你給他募集的時間一個月、兩個月、一年、兩年?一般募集期間大概7天左右目前在講這一檔他超過7天應該是有9天所以他有一個時間你們現在的規定說他的募集時間是沒有上限的以現在的規定"},{"start":11635.677,"end":11656.142,"text":"同仁表達現在規定是一個月但是他猴心公司可能自己去評估他的能力所以不見得要募那麼長他也許只有一段時間但是你有一個時間的上限是一個月他可以七天就說我募夠了但你跟他金額是沒有上限的比如說我要這一檔目前沒有規定上限"},{"start":11658.723,"end":11685.342,"text":"你們沒有規定那他也可以比如說募到五千億一兆也是可以的嗎是這樣子嗎我們沒有規定上限那現在這個情形是這樣子那現在大家也許對很多東西不了解但是有點像以前這個臺灣人很喜歡一窩蜂嘛比如說買蛋塔看到大家排隊就跟著買看這個當然還有一個宣傳宣傳說這個東西就是尤其剛剛我看主委一直在講說比如說因為配息的關係嘛符合臺灣人的這種喜好度"},{"start":11685.862,"end":11690.187,"text":"我看到你們的管理裡頭後面有講說你們要檢討你們檢討的部分要加強包括ETF配息政策是否適當你們有這樣說嘛 對不對"},{"start":11702.976,"end":11730.177,"text":"這是現階段在做的事情你們要檢討這一段那請問你們對他的他提出來這個配息就他要提一個計畫他的配息計畫裡頭他可不可以我想請問我問的都很基本的問題請問這個比如他可不可以說我每個月就配息2%可不可以我們只會去討論他配息的來源是不是合理但是他他配多少請局長來你們回答一下你們可以這樣規定嗎"},{"start":11732.608,"end":11754.054,"text":"就是說ETF要在他們的公開說明書裡面說明說他配息的政策是怎樣對 比如說他可不可以跟民眾保證說每個月就是配息2%可不可以他不能保證還是說他可以保證反正他會不會鑽石他的心他不可以保證他不可以嘛 他不可以做他不可以保證說他會配多少嘛 對不對"},{"start":11755.094,"end":11784.474,"text":"意思說他不能說我一定會給你2%或是給你4%或給你1%1%或他給你一年2%可不可以這樣保證定存就可以嘛那這個可不可以這不可以因為這個要看他這個基金背後的成分股他配息確實的情形我的意思是說即便這個這個ETF他的投資他會來假設投資比如說股票一直往下跌他也不賺錢他還是他如果跟百姓答應跟投資人答應說我就是要給一年就是5%好了10%好了他可以這樣做嗎他可不可以這樣做"},{"start":11786.135,"end":11802.849,"text":"他不可以說我要配給他一定要看他實際的所以他不可以這樣說嗎他不可以這樣說的話他現在的他不可以這樣如果法令是規定他不可以這樣說他現在的他們的宣傳裡頭說我們一定超過定存這樣不就表示明顯違法嗎"},{"start":11804.506,"end":11826.506,"text":"你知道我在說什麼嗎如果你們的規定就是說因為他說要超過定存的時候如果沒有違法他會這樣說一般人看到網紅這樣說會相信嘛相信是因為一般人不會公開叫大家做違法的事情尤其網紅這麼有地位的人這麼有影響力的人怎麼會叫大家違法呢所以如果他網紅說這個超過定存我剛剛看到網紅也有寫到超過定存什麼的"},{"start":11830.109,"end":11846.983,"text":"那如果有人公開這樣說這樣沒有違法嗎?如果你們給他的規定是他不可以說他可以配幾%的話因為我們這樣看起來就覺得他應該是可以啊他願意虧錢啊你們聽得懂我說的意思嗎?他不可以你現在回答我是不行嘛對不對問題是就是有這樣的宣傳啊所以這樣宣傳沒有違法嗎?"},{"start":11848.41,"end":11865.518,"text":"就是這個資訊上就不完整了資訊完不完整像我們也不了解不完整吧大部分的百姓都不完整問題是你們管的不是百姓收到資訊完整你們會去希望資訊更完整但是你們管的是這個過程當中募集資金的過程中有沒有違法嘛"},{"start":11866.118,"end":11885.625,"text":"如果在你們的規定裡頭他是不可以說他一個月配多少包或者他可以說一年配多少包還是都不行如果他都不能這樣說的話那他們去說了我們超過定存定存是大家都知道比如說以2%來講那他的意思就是說我一年一定或是我一個月一定會給你超過一年一定會給你超過定存那這樣沒有違法嗎"},{"start":11886.965,"end":11904.235,"text":"主委您聽得懂我的題目嗎我剛才交易所總經理跟您報告也都是說這種配息只是一種預估不能夠保證那其實因為他要看成分股率來漲還多所以他們可以說但是在所有觀眾如果他說這個只是預估要講清楚就可以是嗎"},{"start":11905.916,"end":11926.414,"text":"因為看起來現在的大部分的宣傳都是沒有說是預估吧報告委員這個我們是有一些規定說你不適合用優於不適合跟不行是兩件事喔不適合跟不行啦不適合反正我願意做沒有只要我沒有違法我做網紅我做什麼推我做招募資金的我做這個這邊都是講不得啦"},{"start":11927.915,"end":11929.916,"text":"不得有下列行為不得有實用、用於定存、打敗通膨等"},{"start":11952.402,"end":11957.888,"text":"所以說現在公開在說優於定存這個就是就是宣導不實囉"},{"start":11959.759,"end":11980.972,"text":"這也是我們在這次是宣導不實還不是宣導不實他這個做法不管他的內容有沒有就是說他有沒有真的超過啦那是後面的實質內容啦我說他這個程序有沒有違法他這個推廣的這個方法目前在我的身份說有人違法不違法都不太合適要同仁俱來解我也不是針對特定黨啦我也不針對特定內容我說的只是說這種行為這個樣態的行為是不是合法的"},{"start":11989.477,"end":12018.659,"text":"因為你們在裡面都說不得、不得、不得但我不知道這樣有沒有違法啊有還是沒有啊如果已經有人這樣說他違不違法這個跟公會的制度規範是不一致的所以他只是違反自律但他沒有違反你們的規定所以只要不自律反正沒有關係啦不自律是處罰的事情啦頭線也是依照社會信任才能夠發展我現在在這邊立法院講的是法律嘛我就想請教這樣是不是合法你們要去探討一下也許你還沒有辦法給我答案那沒關係那至少你讓我"},{"start":12018.899,"end":12041.593,"text":"瞭解我們在跟公會在討論你要給我們答案然後對不起可以再問一題嗎因為剛剛賴委員問到我也很好奇那所以說他募資資金過程他說是不是用自己的錢去還那個嘛比如說利息固定多少多少那當然可能資本利得會降低嘛但是他如果一直募會不會變成那種我說像老鼠會那種模式啊拿後面的錢來補前面的"},{"start":12043.234,"end":12064.441,"text":"不過你的時間很短應該不至於吧?你能這樣做嗎?所以這就是為什麼我們今年1月初訂了一個評準金規範而且要求業者去遵循我有看到我有看到那你要評準金就是說他如果願意把這些錢都我知道你要規定說他配的時候要分配是多少%多少%多少%那有沒有可能變成是這種我們剛一直在問這種龐氏的騙局我們一直也是很好奇"},{"start":12064.941,"end":12065.241,"text":"我們現在的規範就是防止這個現象發生"},{"start":12081.957,"end":12101.549,"text":"我們一頁的規範就是不希望投資人以為他拿到的錢其實是他自己的錢因為主委你常常你這樣回答常常都是很有點很模糊啦因為有時候像剛剛那些問題都回答得這麼模糊到底法令可不可以你都不回答清楚的話百姓就會百姓會無所適從啦是我的不對啦"},{"start":12101.949,"end":12124.764,"text":"但是很多個案我不能夠現在就我不是要問你個案我只是問你樣態行為樣態沒關係我剛剛我提的問題沒有我會再跟你們請教因為我們最重要還是要讓社會大眾投資投資者瞭解說怎樣才是正確的還有包括那些所謂的網紅他們能不能這樣做也要讓他們知道這個比宣傳效果更好瞭解謝謝委員指導謝謝陳昀臻委員的資訊接著我們請李坤臻委員資訊"},{"start":12136.356,"end":12142.441,"text":"謝謝主席我先讓這個主委先喝口茶請主委請主委"},{"start":12144.847,"end":12165.769,"text":"主委辛苦了大家都很關心這個ETF熱賣也謝謝我們主席在今天特別召開這個題目那請問一下主委目前台灣ETF的規模我按照這個資料來講現在有241檔的ETF掛牌交易交易的規模是新台幣是4兆1990億元"},{"start":12168.231,"end":12193.153,"text":"然後到1月底為止上市櫃有48檔臺股ETF持有的股票占全市市場的股票市值是2.38%占整體股市交易值交易股數約占1%左右這是你們提供的資料那請教一下主委這個最近ETF熱賣對於股市的成交影響大不大"},{"start":12194.417,"end":12218.957,"text":"因為您看得出來它交易量才佔1%嘛所以理論上應該不至於有什麼過大的影響是啊就是說因為我就看數字才佔1%嘛那理論上對於這個股票的交易來講應該不會有太大的波動才對嘛大的格局上是這樣子沒錯那這個那因為也佔1%左右那請教一下主委ETF還有在成長的空間嗎"},{"start":12221.557,"end":12242.991,"text":"應該有吧 投信還會繼續再發ETF只要股市持續熱我認為這個ETF就有繼續成長的空間那我引述這一個財訊董事長謝金河的看法他說這個ETF熱賣就是表示說臺灣的錢很多那臺灣錢很多過去呢第一個是往股市第二個就是往房地產"},{"start":12243.963,"end":12266.025,"text":"所以說他認為說最重要的是說引導政府的這一個現在的一些游資要往哪裡走才是正確的因為我們不希望說這個他去往房地產那個方向注點這個房地產又繼續又再炒熱然後呢那可能就往股市那往股市呢這個現在就是往ETF來走那對於這個謝金的看法主委的看法是覺得如何"},{"start":12267.202,"end":12288.88,"text":"沒有我想謝董事長是大家很尊敬的意見領袖啦我想我們會參考他的最主要是認為齁臺灣的游資過多啦因為我剛剛聽前面這個委員有在問這個主委主委也認為說那現在為什麼ETF會熱賣的原因之一就是說現在臺灣的游資過多然後這個錢希望去投資那錢投資呢希望說又比定存要再好一點"},{"start":12289.56,"end":12301.778,"text":"那所以呢現在ETF呢熱賣那手續簡單然後呢又很方便然後感覺上現在股市過熱了然後我們很多這個高檔的股票沒辦法投資所以就去買ETF了所以造成ETF的熱賣"},{"start":12303.826,"end":12319.398,"text":"主委您的看法股市好所以連結股市的ETF大家就有興趣再加上我們台灣的投信的ETF設計的商品這種月配息、季配息國外不太會做這個事但是投核國人的期待"},{"start":12320.198,"end":12337.837,"text":"對 那就表示說我們的投信對ETF的這個包裝或是說它的這個讓大家覺得說這個入門非常的容易那對未來也有期待我對於這個高檔股票我可能沒辦法有這麼多錢去買了但是我覺得買ETF可能有這個期待有這個機會 對不對"},{"start":12339.703,"end":12352.728,"text":"委員整理得很好從你們跟許多委員的談法來看我也看到你們的報告ETF特性第一個ETF透明性高具有分散投資風險第二個當然投資還有風險所以也必須要注意"},{"start":12356.609,"end":12377.98,"text":"但是你也提到說它透明度是高的那所以我剛才整理了一下說ETF熱賣大概有幾個原因第一個股市上兩萬點第二個游資過多第三個深扣的門檻低有時候一張一萬塊就有了至於這家投信只有十塊其他有的不見得十塊對啊當然有的高一點但是門檻都很低啊對不對比買零股還低"},{"start":12379.88,"end":12400.609,"text":"最近又是獨打高配席那等一下我會請教一下主委那其實我在上禮拜也有問這個主計總署主計長也提到說超額儲蓄的問題那他提到說超額儲蓄呢那時候這個朱主計長他是回答我說超額儲蓄呢也可以投資在金融市場那我請教一下主委金融市場投資大概包含哪些"},{"start":12402.523,"end":12428.999,"text":"一般基金、商品、股票有些人也投資黃金那ETF算不算?ETF也算所以我是認為因為現在你只要讓它按照你們的規定來走那其實不管是基金、股票、ETF其實只要按照規定來走應該都用健康的心態來面對它"},{"start":12430.609,"end":12459.228,"text":"我同意委員的想法這也是我們的想法不會因為這一檔熱賣就做什麼我覺得就是從瞭解它問題徵兆的所在去做處理就好了因為現在就是說其實ETF有它的這個好處我剛才提過了說為什麼這麼多投資人願意去買ETF那它也都在你們的規範之下它才有辦法上市櫃嘛對不對但是現在的問題就在於說金管認為說它在這個包裝上面的一些話術是不是容易讓投資人覺得說我買這個我賺不賠"},{"start":12461.069,"end":12488.897,"text":"會不會有這樣的一個對 我以為您講到重點了就是要有正確的資訊告訴投資人沒有什麼事情是穩賺不可其實如果有正確資訊其實你們有相關規定都有不論是廣告的查核或是說KYP、KYC的這個查核都有這個其實在這個ETF熱賣之前相關的規範你們都有嘛 對不對所以其實只要落實這個KYP還有KYC的查核知道你買的是什麼商品嘛那知道是誰要來買嘛"},{"start":12490.217,"end":12514.86,"text":"那其實問題就可以減低很多嘛對不對有很多問題其實法規制度都有只是執行上有沒有落實好 那我問你執行面的問題好了給你看一個廣告那主委看一下說廣告到底有沒有違反說你們現在這一個不應該以年化配息為廣告內容不應該以月配息為廣告內容其實我是不太清楚說為什麼這個年化配息或是月配息不能作為廣告內容"},{"start":12516.476,"end":12519.041,"text":"為什麼不能用這個年化配息或是月配息為廣告內容?他的問題在哪裡?"},{"start":12528.626,"end":12556.575,"text":"這個我想我現在不太適合因為我還要跟同仁討論一下到底這個廣告到底的有沒有問題很抱歉我現在沒辦法去說先不談這個廣告因為我是舉出這兩點因為它的廣告一個是高股息一個是每月的現金流那因為這兩點就是違反了你們的規定說不可以用年化配息為廣告內容不可以用月配息為廣告內容那我的問題在於說那為什麼不能用這兩個"},{"start":12559.263,"end":12567.477,"text":"這兩點為廣告內容就算他的僅語上面都會寫這位是不是請同仁說明一下他應該跟報酬率是不太一樣的對不對"},{"start":12570.054,"end":12591.33,"text":"對 如果說依照現在這個廣告的話我們現在的規定是說它不能使用說比如說優於定存或打敗通膨這樣子的一些用語那就是那個公會的規定已經有這樣相關規定那委員提示的這個廣告內容我們會再來瞭解一下它實際上面的一些廣告有沒有什麼"},{"start":12592.552,"end":12606.249,"text":"那我的意思是說先不管這個廣告就是說那為什麼不能用年化配息率為廣告內容或是說月配息為廣告的內容如果剛剛像你所講的說打敗定存那不一定嘛有時候就會賠阿"},{"start":12607.591,"end":12635.919,"text":"打敗通膨也不一定嘛那沒有穩賺不賠的那我只是說我很好奇為什麼是用這兩點來作為這個你們規範的內容如果他都有符合你們的規定啊比如說他在給予上面有寫比如說這個他的這個來回到上一頁比如說他是這個領息他就說領息齁這個基金配息不代表未來的配息率基金配息來源可能是收益批准金等等他其實都寫得很清楚那這有違反相關的規定嗎"},{"start":12638.569,"end":12665.501,"text":"回答委員的問題就是剛剛委員提到那個不能用年化配息比如說他第一季配了5%好了他用推算就是比如說推算成年化就乘以4就20%可是實際上他的成分股在第二季的時候配息的情況做調整只配1%好了這樣子就會當然不能這樣子對對對所以我們就要求說他要說清楚而且不能用月配息比如說他這邊寫的他這邊寫的說他的這一個"},{"start":12668.062,"end":12694.368,"text":"這個殖利率是用過去5年的這個平均計算這樣子我不跟你討論這個個案的廣告我只是跟你講就是說我們都希望說這一個投信公司他們在做廣告的時候他必須符合你的規範那我現在是提出來的規範就是說如果他的規範年化配息或是說月配息他就按照你的規定寫清楚說年化配息是怎麼來的然後月配息是怎麼來的"},{"start":12695.828,"end":12722.984,"text":"那我很好奇說那這樣有沒有違反相關的規定而已就是說今天這個股票在漲ETF在漲我覺得是呈現正相關如果今天股票一直跌一直跌一直跌我相信ETF也不會熱賣才對啦那所以說是因為剛好最近股票一直漲那大家對台灣有信心那對ETF大家覺得說我門檻低我願意去買那這也像這個主席長他所講的就是說那這個其實也是金融投資的一部分"},{"start":12723.925,"end":12740.533,"text":"那我的看法就是認為說你們參考就是說如果它都是符合你們的規定那其實就用健康的心態去來管理它知道你買的是什麼東西知道是誰來買按照目前的規定其實就可以了但是不要用這個打壓的方式來做處理啦"},{"start":12741.558,"end":12756.393,"text":"不會啦我想這個是民眾要選擇的商品但是重點資訊要對稱要透明要誤導投資人資訊對稱要透明然後提醒投資人這都是金管會還有投信公司都要做的"},{"start":12757.274,"end":12784.137,"text":"但是其他之外就讓ETF我就讓它自然去成長那ETF也有下市下跪了也都有啊那股票也是一樣啊股票在漲的時候我們也不會說你不要去買誰買誰我們也不會特別去這樣講因為這樣子就干預股市的這一個自然的這個成長的法則啦那我說過說目前為止它的這個成交數這麼低其實對於股票市場其實影響性也不大那所以我認為說在手段"},{"start":12784.837,"end":12810.354,"text":"與目標之間這個你們要拿捏那個標準啦好不好我瞭解委員我們就是這個方向你看我的報告中也沒有要去就只是就行銷上面特別注意你的報告寫得很平實阿但是齁對記者講話的時候這個記者會就會覺得說有這個干預打壓的這個味道出來了沒有我今天謝謝召委給我機會去澄清啦我們是健康發展好健康發展好謝謝謝謝主委謝謝主席"},{"start":12811.034,"end":12812.515,"text":"有請黃天牧主委"},{"start":12834.366,"end":12847.652,"text":"委員各位先恭喜您高票當選我們第一次在這個委員會見面感謝主委感謝主委讓我持續有機會來質詢你不過面對問題解決問題我想是一定的準則"},{"start":12849.045,"end":12868.517,"text":"每幾年臺灣就會出現一些特定的金融商品好像熱賣比如說本席有印象幾年前應該十幾年前投資情報單突然間很火紅那那個時候大家也是有一窩蜂的一個現象那也有所謂的什麼境外基金外幣基金等等的那近期討論到這個ETF"},{"start":12870.834,"end":12899.003,"text":"你的報告裡面第11頁本席也特別看了一下現在要針對所謂的網紅合作其實資訊公開透明當然大家都認同但是為什麼過去現在有這種過熱的一個情況很多人就認為是說在行銷的手法上好像就會被美化讓消費者不一定讓一般的民眾不一定知道說他的風險而導致一窩蜂的一個情況所以本席現在想請教如果說針對你剛剛有提到的"},{"start":12901.672,"end":12922.287,"text":"針對現在要求這個所謂的自律規範廣告規範、自律規範到底有沒有相關的罰則自律目前是沒有沒有罰則那如果說真的還是有一些這種網紅行銷持續的不管是拍影片、業配文那出來怎麼辦有要求下架的機制嗎"},{"start":12924.301,"end":12949.491,"text":"這個部分其實國會訂完自律規範之後如果業者沒有遵循自然政企局在日常監理上也會採取相關的一些措施去相關措施包括什麼先分兩塊主委你先聽我把話講完因為這個是新型態的一個部分以前在投資型保單的時候可能還沒有網路沒有到現在YouTube等等的這一些網紅那現在第一是會針對那個網紅還是針對公司"},{"start":12953.772,"end":12972.052,"text":"第二所以網紅影片持續放在那邊那我們有任何的要求下架機制嗎如果說明顯他的影片就是講得很偏薄或說會讓有誤導投資大眾之嫌那有沒有接受檢舉的一個機制以及有沒有會要求這個影片下架"},{"start":12973.188,"end":12990.299,"text":"大委員我們現在討論的都是發掘投信有跟網紅的一些協議行銷的機制有的是直接有的是透過行銷公司那我們現在就是要責成投信跟網紅這間機制要涵蓋一些必要的內容不要誤導投資人是啊"},{"start":12990.979,"end":13007.916,"text":"不是 主委你跳太快了本席現在先講的是說如果說有影片我們去了解到是說這可能是發行的公司他去跟網紅合作就簡單講受雇關係我跟你多少錢請網紅拍一個影片來推薦某一支ETF"},{"start":13008.777,"end":13030.639,"text":"那這樣子的一個行為你可能可以有連結性那本席還有第二個問題是現在自媒體很多如果說我今天我是一個客戶我自己買了一個ETF我覺得很不錯我自己去講說哇我這個ETF賺了多少錢我秀出我的這個投資報酬率等等的相關的這個收益表那這樣有沒有觸犯相關的一個行則有沒有觸犯相關的一個規定"},{"start":13031.34,"end":13041.807,"text":"目前在金管會這邊如果不是跟投信連結直接間接連結目前我是可以說他並沒有說違反我們什麼金管會跟工會的相關的那這樣會不會出現漏洞"},{"start":13044.013,"end":13060.882,"text":"因為我覺得主委我們今天討論就是要務實啊ETF過熱這是一個現象那當然有兩種一個是說我就是放任反正市場機制到最後淘汰了市場願打願買然後自己個人負責但另外一個部分是說針對資訊"},{"start":13063.163,"end":13088.786,"text":"不透明或說有誤導之嫌的時候我們主管機關當然有一定的一個權責嘛也因此本集才講是說今天我們最重點是在於是網紅如果說有一些行銷推薦的影片他誤導支持的時候我們主管機關到底態度是什麼我跟您這樣報告如果是跟投信直接間接連結的現在在公會這裡規範就可以處理那如果不是直接連結的但你想處理是沒有要求他影片下架"},{"start":13091.107,"end":13116.347,"text":"那個請副局長你跟他報告一下你有沒有要求影片下架就是如果說像委員講的是說沒有跟投信顧業者的合作的話那如果他網紅只是純粹在他的影片上分兩階段因為主委一直把我的問題也跳開所以說我現在要focus第一如果說是跟投信業者有合作那你明明白的確認那你"},{"start":13117.127,"end":13139.596,"text":"剛剛你的報告裡面有講是說你的影片或是內容你要加注警語譬如說這個是某某公司贊助嘛其實我們常聽到很多的金融商品都講說最後都會很快速唸一段嘛投資有賺有賠就申購前景了解公開說明書等等的對不對那個是我們監管會那時候要求才會有這一段嘛那一樣到底現在因為新型態的網路行銷我們怎麼樣去規範"},{"start":13141.839,"end":13162.817,"text":"就是剛剛委員有提到說他因為有置入性行銷所以如果他是跟網紅合作他要警語說我是某某公司有贊助的讓投資人知道這個是行銷的廣告那如果說純粹只是網紅的分享那這個可能我們就沒有辦法用投信端連結那如果剛剛有講到說如果是投信端委託的"},{"start":13163.658,"end":13164.278,"text":"那如果沒有改善呢?"},{"start":13184.178,"end":13193.485,"text":"如果說沒有改善違反工會的規定的話我們嚴重可以依照我們的投信固法來做行政裁罰行政裁罰多少錢60萬到300萬60萬到300萬"},{"start":13200.148,"end":13215.337,"text":"那多久才罰一次一案一罰如果說網紅他的影片持續在那邊不下架因為現在的狀況是大家覺得是說你的60到300其實是非常低公平會被問到的時候還要講到是說他可以用公平交易法從5萬到2500萬來罰"},{"start":13218.134,"end":13230.668,"text":"那你現在我們主管機關只有60到300最多300那會不會有有一些投信業者乾脆覺得說這也是廣告費的一環我就把它變成是廣告成本我能收到財委會審的投信投資會提高到1500萬"},{"start":13232.577,"end":13237.72,"text":"主委本席今天提的問題其實都是很直接而且也應該是主管機關要想到的還有應該是出現在今天報告裡的"},{"start":13252.887,"end":13280.472,"text":"第一如果說有連結我們現在沒有主動的要求影片下架的一個機制我們只能被動的那這個時間過程會拖多久不知道第二如果說是一般人員的分享或者是說我就刻意講是說沒有這是我的分享你不知道說他私下有沒有跟投信業者有任何的一個收益或是報酬這你沒有辦法舉證你沒有辦法查清這也是另外一個部分那還有新聞報導那麼的熱"},{"start":13282.472,"end":13307.726,"text":"有些時候大家會看到新聞報道哇今天哪一個又大家擠破頭那新聞報道上面有沒有需要在旁邊也加注一些公平的一個市井的一個狀況黃委員今天的議題確實很熱啦有專訪6月底前就會完成啦6月底前會完成所以有包括新聞媒體嗎沒有沒有也沒有"},{"start":13309.031,"end":13323.165,"text":"所以所以主委所以也要新聞媒體有他的另外一個尺度我們也要就是合理不是 你是主管機關本席現在強調說你是主管機關所以說你不能說新聞媒體另外的尺度所以你新聞媒體要丟給NCC丟給速發部"},{"start":13325.177,"end":13352.599,"text":"這不應該嗎?我們的投顧的這個我們是不是事後跟您報告我想待會兒可以說明一下好不好?我覺得 主委重點在於是你們的態度問題不會把這個ETF當成不是金管會的事情嗎?是我們的問題是 是你們的問題所以說才應該有積極的作為去了解說現在市場上的狀況以及你們應該要怎麼樣來做一個更健全整個市場的機制才對有 現在的狀況就是網紅了請對"},{"start":13354.58,"end":13360.024,"text":"會後來我辦公室好 了解可以嗎好 謝謝 謝謝委員謝謝孟愷委員質詢接著我們請王世堅委員質詢主席有請金管委黃主委有請黃主委市委好那個"},{"start":13383.163,"end":13410.012,"text":"黃主任我今天不跟你談ETF這已經談了很多我下次再救教你我談另外一個我個人覺得是蠻嚴重的問題就是說我們金管會對實際已經在經營融資的這三家註定公司我用八個字形容就是自廢武功該管不管"},{"start":13411.409,"end":13433.685,"text":"這就是金管會現在的情況如果根據銀行法第29條非銀行不得執行銀行相關的這些業務那你也很清楚你們金管會的組織法第二條第三條金管會就是掌管我們國內金融公司銀行業保險業這個"},{"start":13437.173,"end":13458.05,"text":"期貨證券等等那你們對於這些行業他們的設立以及管理這都是在你們執掌的範圍內你非常清楚嘛不是嗎那麼這三家中租抵合合論跟育融"},{"start":13459.232,"end":13486.328,"text":"他們現在放款的金額來源還不是他們自有資金他們還是大量的從我們的銀行業來融資他們跟38家銀行融資低利那麼高利貸放款給需要的消費者這金額多大"},{"start":13487.591,"end":13516.266,"text":"那個黃主任我私下跟金管會講過啊光是中租敵核向銀行借的就高達2396億天啊然後核潤不遑多讓啦大概他一半980億另外這一家裕融他可能後台很硬嘛"},{"start":13517.759,"end":13541.036,"text":"他連金額都懶得申報啦這也是我要求金管委員你們要下去查查的他們實質經營銀行當中最重要的融資的項目結果他佔盡我們全體我們國人辛苦的存款他們佔盡這些便宜"},{"start":13543.578,"end":13571.869,"text":"他們便於形式由銀行的手中取得低利的融資再去放高利貸結果金管委放任這個事情不管6年前中央銀行他們就有做出一些調查一些報告也提供給我們金管委啊2018年6年前中央銀行調查的結果"},{"start":13572.987,"end":13601.189,"text":"全世界各國多數這樣子做BMPL做這樣租賃的行業公司都是由他們國家之內像我們金管會這樣子的單位他們在管理由公部門的金融管理機關在管理所以我不懂啊我們金管會有那麼多專業的金融人士"},{"start":13602.728,"end":13626.392,"text":"我們有專業的這麼多的人才我們才能夠經常性的去對這些實質在金融放款業務的這些公司去做查查不是這樣嗎金管委是全國最多這一部分的專業人士結果你們放任不管"},{"start":13628.28,"end":13646.355,"text":"上次我質詢的時候也虧我們另外一位召集人還跟我說質詢完以後他跟我說這個部分經濟不管我去查一下這是什麼經濟不管經濟不管的是公司法我們臺灣有100萬公司100萬家公司"},{"start":13649.023,"end":13674.292,"text":"這三家這麼重大金額的經濟部管它只能管百萬分之三而且是公司法那在管什麼管所以儘管我現在這個不管的做法我認為就推卸責任了避重就輕把它推給經濟部經濟部我們實質去問他也一問三不知啊所以那個黃主委"},{"start":13678.871,"end":13701.392,"text":"我希望你今天就能夠正式答覆我到底你們管是不管啦基於事權統一基於金管會應該對我們國內做這樣子銀行業務的公司本來就應該要納管不是這樣嗎黃主委你的看法呢"},{"start":13702.402,"end":13725.669,"text":"委員是不是可以給我一點時間回覆您報告第一點我想第一次拜會您對金融事務的瞭解是非常尊敬所以我以下回答如果有跟您的想法不一樣的地方請您多包涵第一點這個人資公司是不是專屬銀行業務其實銀行法29條其實重點是吸收存款對不特定多數人吸收存款那是專屬業務"},{"start":13726.989,"end":13748.848,"text":"放款不是銀行的專屬業務這個就是漏洞這個我不會另外提要求法但是但是放款跟存款是一體兩面的業務啊他們就是鑽這個漏洞我認為這就是立法上這一個疏忽那讓大家有話講不是這樣嗎你請說"},{"start":13751.47,"end":13756.813,"text":"經濟部公司登記中有這種公司業務有這種融資行為的有6800多家"},{"start":13761.39,"end":13781.847,"text":"這就是現在的現況現在就沒有說融資一定是專屬銀行業務然後跟你回答您垂詢的這幾家所謂的大型的融資公司我們管不管我跟您報告在2016、2017的時候它的洗錢房子就已經由主管機關在管融資性住院公司是我們在管"},{"start":13782.668,"end":13794.64,"text":"第二 去年年初大家談BNPL的時候我們就找最大的那家中蘇公中蘇迪河來我說你們做這件事情一定要好好去做我們把銀行做"},{"start":13795.7,"end":13816.522,"text":"做這種授信的規則弄了一個租賃做BNPL的原則給他請你在租賃公會通過請各租賃公司去遵循這是第二件事第三點最近網路上那個影片出來之後我們約談了四家上市櫃公司的這種大型租賃公司兩個禮拜前我們開了一個會議"},{"start":13818.064,"end":13838.659,"text":"要求因為都是上市櫃要求交易所櫃買中心訂一個內控準則由金管會提供一個專業的內控準則要求這4家公司訂在自己的規定中怎麼樣去做這種尤其對年輕人的壽性租賃業務年底之前交易所櫃買中心去做內控查核第二點"},{"start":13840.004,"end":13855.268,"text":"不會 剛才這一點齁剛才這一點我如果兩個字簡單講你們就是要求他們這些租賃公司兩個字自律就對啦不是內控不是自律喔內控要報告怎麼內控怎麼管理這樣子已經"},{"start":13857.589,"end":13876.609,"text":"到了已經到金融怪獸這麼龐大的金融怪獸你竟然只要求他自律天啊他律都律不住了不是嗎報告委員那個內控是要年底前交易所要去查核的不是指自律第二點"},{"start":13878.496,"end":13901.836,"text":"我們會要求再訂一個完整的租賃公司做這種您關心對這種年輕人的這種授信的原則要求在公會中要求他們去遵循最重要您提到這些租賃公司的資金來源來自於金融機構票券公司銀行局也會去跟這些這就是我覺得最莫名其妙的嘛他自家的錢去借"},{"start":13902.765,"end":13931.085,"text":"那還比較沒話講如果他是大量的如果把裕榮加進去我保守估計這三家等於五千億啦來自我們存款大眾存到銀行的錢被銀行大剌剌的用人情的方式低利借給這三家超大的金融怪獸租賃公司讓他們去放高利貸如果這樣子的放款是對的的話"},{"start":13932.026,"end":13959.472,"text":"那你銀行來做就好啊消費性貸款銀行直接可以做嘛銀行等於變相圖利了這三家租賃怪獸不是這樣嗎因為時間有限我跟你講我認為的最可怕還有另外一個問題就是四個字超額授信啊你知道他們如何強大我們現在這一代的青年人嗎他們利用他們剛出社會那"},{"start":13961.806,"end":13980.428,"text":"買車啦買其他消費品買一部80萬的車借他100萬你車子都不用自己出錢還20萬給你零用金結果這些是高額的利息跟超高額的違約金還有父母金擔保啊"},{"start":13981.369,"end":14005.708,"text":"青年人還有30年的工作餘命啊他們也不怕討不到那這些公司他們因為他假借他因為他不是銀行嘛所以他就找這個討債公司來討現在目前社會的情況是這個樣子所以超額授信這個我想你與金管會你這麼資深的金融專業來講"},{"start":14007.082,"end":14026.16,"text":"超額授信是所有銀行業、金融機構最忌諱的事情結果現在我們眼睜睜的看這三家租賃怪獸他們每天在做超額授信的事在強害我們社會的青年朋友們"},{"start":14027.523,"end":14044.682,"text":"法委員你宇宙新廠的指示我們都會去處理尤其你講到對於年輕人的授信超額部分我們會去處理我跟您報告他們用這個超額授信來誘惑年輕人嘛是 我想 委員主席啊 抱歉主席我再30秒就好所以喔 我要求你這樣啦警訊廠我們銀行"},{"start":14048.073,"end":14068.344,"text":"以什麼樣的名義貸款給這三家租賃公司這五千億的貸款銀行的融資融資給這三家金融怪獸租賃業是什麼樣的名義查這些放款融資有沒有中間不當的"},{"start":14071.498,"end":14072.139,"text":"有請黃主委跟閻副總裁"},{"start":14101.388,"end":14129.687,"text":"委員好好久不見主委好副總裁好很感謝這個昭偉是有非常先見之明安排了今天這樣的一個題目我想最近在關鍵字當中真的確實我身邊很多過去不在乎金融理財的朋友都會在群組裡面討論那就是所謂這個高配息的ETF到底應該買所以我相信以這兩黨來說的話不知道金管會這裡"},{"start":14130.848,"end":14155.043,"text":"了不了解這兩檔就是所謂的高配息的ETF他們在近期當中大概募集了多少的資金我是不是同仁能夠有知道來報告一下那個統一那檔好像5、600億吧大概是一個是5、600億那另外一檔呢5、3、1那那個這一檔我不曉得9、40多少應該有超過1000多億對1000、2000"},{"start":14159.47,"end":14166.176,"text":"同言講好還沒有統計是不是數字還沒有出來因為他們是錄製到15號嘛 對不對還是我們的這個證交所有答案大概是1700億左右1700然後再加500這樣至少有2000多億現在會進入我們的國內的市場當中各位我們過去其實不只一次在聊這個話題就是說臺灣的這個投資性的商品"},{"start":14185.413,"end":14191.342,"text":"其實不夠多尤其是投資國內把錢留在國內很多時候我們賺進來的錢可能都是買國外開發的這樣的一個商品如果是這樣的話就整體來說就金管會的立場覺得這是一個好的現象嗎"},{"start":14203.283,"end":14223.334,"text":"我覺得只要這個商品充分告知客戶這個資訊也了解客戶的屬性我覺得這就是我覺得這沒有什麼特別要去所謂大家關心會打壓的問題不會好 謝謝主委我要請嚴副總裁的就是說剛剛有講到大概一個是500多億一個是大概有1700億所以至少會有2200億"},{"start":14225.675,"end":14239.641,"text":"的資金進入臺灣的市場那麼過去其實我們都一直擔憂就是國內投資性的商品不夠以至於就會來做房市那麼今天我們的題目也就講過了希望他們避免炒房那麼問題是很多人在質疑為什麼會突然間兩黨號稱高息的ETF進入市場之後大家好像錢都掏出來了"},{"start":14253.126,"end":14273.198,"text":"是不是過去因為利息過低的關係以至於大家甚至於有出現有人解定存又或者是去用房子去借貸然後換取更多的這個可運用的資金來賺這個利息之間的差價那麼央行有這樣的疑慮嗎或央行有這樣的說法嗎"},{"start":14277.595,"end":14301.056,"text":"報告委員因為您提的這個臺灣資金的這種長期的剩餘問題其實也跟我們過去以來的超額儲蓄或者是經常算順差有很大的關係在面臨這種情況之下其實我們一直在鼓勵我們賺到那麼多錢要充分的對外投資對內投資這是我們過去堅持的一個看法好"},{"start":14301.82,"end":14320.603,"text":"副總裁我的言下之意就是說這2200億至少進入了我們的市場之後當然剛剛主委所說的是沒有好或壞只要是一個正確的投資管道訊息明確揭露讓投資人知道他是一個投資不是一個投機都好"},{"start":14321.164,"end":14341.094,"text":"但是他是不是也面對了我們所謂因為過去的整體銀行的利率過低以至於大家突然間覺得哇如果真的有所謂年化利率10%哇那這樣子真的要趕快來解定存或者是趕快用房貸多押一點出來做投資這個是不是央行必須要去思考的問題呢"},{"start":14343.356,"end":14367.93,"text":"我想我們在做利率政策的時候我們當然會考慮到當前的那個國內的流動性的問題剛才我的資料已經顯示就是說我們從銀行的角度去看到流動性其實銀行我們對銀行的觀察或者是我們自己觀察到的流動性其實是沒有想像中的那麼的嚴重譬如說我們的M2已經開始下降蠻多了"},{"start":14370.182,"end":14394.192,"text":"我感覺上這個總裁並沒有真的回復我的問題不過沒有關係也許會後我請這個昭緯再幫我來追一下但是我想要因為現在變成外委員會時間有限要請主委主委剛剛其實蠻多前面的這些立法院同仁都已經問了那麼其實我比較在乎的就是您在第11頁也明確的寫到很多的委員都問到了就是有關於財經網紅"},{"start":14397.113,"end":14426.029,"text":"透過付費方式來進行置入而你也提到了11月3號欸113年就是今年的6月底前會完成這個所謂的自律規範是交由工會來做那麼工會在訂定這樣的規範的時候是他們自家人自己關起門來訂定嗎還是會有專業的人士我舉一個例子喔您先聽聽看再來回應我現在很多網紅的行銷方式其實大略有兩種一種是他是知識型的網紅"},{"start":14426.909,"end":14439.016,"text":"他幫你來做研析解析他會提到各種不一樣的金融商品如何的狀況如何的投資另外一種他不是知識型的網紅他就是一個網紅他可能講生活講娛樂講旅遊但是他突然間會有個插播的廣告進來"},{"start":14446.82,"end":14455.13,"text":"然後他告訴你說有現在這樣的商品要開賣你用我底下的連結可以省手續費或是可以有什麼揭滅有什麼優惠碼那這兩者之間我現在做這樣的形容主委你覺得哪一個妥當哪一個不妥"},{"start":14465.342,"end":14488.619,"text":"但是這個樣態都是叫做知識型都是叫做網紅都是經濟網紅喔它也可能都是網紅行銷喔可是樣態就不一樣囉您理解我的意思嗎我了解我們在做規範的時候又會很細緻不可以一竿子把所有的都歸類一類是特別也會請教了解網紅生態的專家一起去討論"},{"start":14489.5,"end":14507.65,"text":"好 那麼我會期待說在這樣的一個規範出來之前我們不要一竿子打翻全傳人但是呢必須在這個樣態的細緻上面要有所區分因為本席過去非常在乎的就是有關於這個網路的行銷面過去我們都知道電視台是連一個個股去講解"},{"start":14508.45,"end":14523.36,"text":"或是任何一支商品去講解那都要罰大錢的但是因為網路本身因為法規不足的關係那麼如何杜絕然後再來我也期許金管會要利用這個機會大家既然有興趣要發動全民的金融科普"},{"start":14524.461,"end":14538.212,"text":"從金管會這邊釋出正確的管道包括相關的金融原訓院等等我們可以的旗下的管道都好好的來把正確的金融知識傳達出去好嗎我們在委員期待去努力謝謝好 謝謝謝謝林副委員質詢接下來我們請 牛許廷 牛委員質詢"},{"start":14551.32,"end":14556.886,"text":"好 謝謝主席金管會央行有請有請黃主委以及議員副總裁"},{"start":14558.479,"end":14585.399,"text":"委員恭喜您高票當選謝謝辛苦了今天財政委員會我們第一次來質詢當然是年輕世代非常關心的一個問題就是說熱錢的流動導致後續的一些影響最近當然新聞上各式各樣的產品推陳出新顯然我們的超額儲蓄率也越來越高我們就直接進入主題超額儲蓄理論上來講等於是"},{"start":14586.38,"end":14603.908,"text":"一個國家如果要健全運作的話我們當然希望這個超額儲蓄能夠被有效利用而不是在那個地方去做閒置那當然你的報告裡面有寫看起來到2023年好像有稍微控制住但是根據主計總署的資料2024的超額儲蓄也是預估值會達到三兆八千四百億元"},{"start":14604.588,"end":14621.154,"text":"又再一次的創了歷史新高所謂超額儲蓄是儲蓄跟投資的差額啦超額儲蓄越多閒置資金其實就越多那政府當然有責任剛剛我有講嘛希望應該讓它合理的導引到投資市場那目前政府對這一塊這個超額儲蓄這一塊的掌握是怎麼樣央行說明應該比較清楚吧對不對那個報告委員因為我們"},{"start":14629.772,"end":14635.596,"text":"其實這個議題一直存在我們對外也講過很多次就是說"},{"start":14636.846,"end":14658.878,"text":"超額儲蓄的問題跟我們的經常順差有關那為了處理經常順差問題跟我們的資金外流也有關所以我們在鼓勵鼓勵我們的超額儲蓄降低或者是經常順差的那種運用的時候我們在報告裡面提了三個大方向除了國內外的實體投資之外我們也希望引導"},{"start":14660.219,"end":14662.461,"text":"中央銀行分別有限公司林董事長有限公司林董事長"},{"start":14676.48,"end":14690.288,"text":"所以大概分成三個部分嘛一個是希望企業繼續擴產也好或者是多角化經營做實體投資第二個希望家戶的儲蓄可以有效利用嘛第三個是希望可以協助中央政府的重大基礎建設這是三個方向對不對我們目前的超額投資最大比例的是在哪裡"},{"start":14692.199,"end":14707.655,"text":"如果根據我們的資料主技術的資料其實是家庭部門是我們最大的超額儲蓄的沒有我就本期資料了解是企業比較多吧應該是企業的超額儲蓄是比較多的吧沒有企業在傳統上企業應該是借錢來去投資的"},{"start":14709.096,"end":14728.733,"text":"企業不應該成為超額儲蓄的資金提供者但是您提到一個關鍵問題我們觀察到從民國98年以後就是金融危機以來我們的企業其實是儲蓄的超額儲蓄的提供者在過去我們的企業是超額儲蓄的"},{"start":14729.414,"end":14754.736,"text":"理論上是需求者嘛但現在變提供者嘛那問題就出在這裡嘛這本集今天質詢這個的重點就是這個我們應該要合理導引嘛我們當然希望不管是產業升級也好多角化投資也好本來被認定成夕陽產業的要因為有這樣子的一些資本來做新創或者是轉型這個才是國家想要看到的方向但目前為止就如同剛剛副總裁所講的看起來企業不但沒有成為超額儲蓄的需求者反而成為了提供者這就是問題嘛"},{"start":14756.036,"end":14779.845,"text":"我們在基層觀察到的更有勝者其實很多的企業因為有這樣子的游離資金結果幹嘛跑去自產買土地炒房地產我覺得這是一大危機因為所有的熱錢不管是外資的熱錢內資的熱錢如果都集中在金融市場然後甚至不動產也變成金融商品的話我想對於年輕世代對於台灣的居住品質來講這是很大的一個衝擊所以我們希望政府在這一部分做有效的導引"},{"start":14781.075,"end":14789.064,"text":"我們如何導引這筆錢去到對的地方應該是輔導產業的升級創造更多的就業機會才是應該要做的方向我們現在有哪些廚藝可以做這個事"},{"start":14791.257,"end":14820.145,"text":"那個報告委員其實過去幾年政府在很多的公共建設投資或者是跟民間的那種鼓勵民間投資也做了很多的很多的措施在推動這一方面的進展因為時間有限這一部分請會後提供資料我當然是在這邊要求你們是瞭解錢的流向的當然要跨部的協調讓這筆錢用在對的地方這第一個第二個是我們的黃仁勳先生也不幸中標變成這個投資商品的介紹者"},{"start":14821.045,"end":14846.78,"text":"當然是要談一下這個投資詐騙金融商品的廣告亂象的這個問題這個內容我就不說了反正就是用名人代言然後拐資金變成龐氏騙局那金管會有收集這個從2023年4月到今年3月一年有2萬9千件的投資詐騙廣告後來當然也有一定的處遇措施這個本席理解比如說所謂的廣告實名制但現在的廣告實名制的問題叫上有政策下有對策這些人現在"},{"start":14847.5,"end":14854.066,"text":"請問我們的政府機關用什麼樣的方式來規避這樣的行為來阻止這樣子的規避行為的確啦因為像報告最近電子簽章法通過都可以有助於實名制不過你提的這個心態一樣因為我們正在跟跨部會定打詐法那當然"},{"start":14871.34,"end":14895.06,"text":"老實講境外東西其實真的很難去規範但是看是不是能在打詐法上面能夠做一些調整能夠涵蓋這些不當的行為我相信這很多不管是立法委員也好或是行政院應該對於這個東西是高度重視那我會作為主管監理機關相關的一些意見盡量來做收集盡量來做提供讓這些法規健全的過程中有更多的專業意見可以嗎也請委員多指導"},{"start":14896.201,"end":14914.674,"text":"那另外一個是大部分現在去年通過叫投信投顧法修正案就是要阻絕這樣的事情然後針對的是大型平台比如說Google跟Meta對不對但問題是我覺得這有殺傷力恐怕不是Google跟Meta因為大家辨別的能力在上升但私人的LINE的群組是個大的問題這一部分有什麼方法可以阻止嗎"},{"start":14915.523,"end":14938.901,"text":"我跟委員報告當初修投信投物法Google Meta由金管會管也都是為了打詐其實理論上Google Meta平台理論上不是金管會要管的那LINE當時並沒有規範到是金管會管這可能是要統一去做一個數位平台的管理要在另外對我們希望我們今天把這個問題提出來就是不是只有大平台當然大平台先走但是"},{"start":14939.301,"end":14958.317,"text":"到真正有殺傷鏈這部分你也要全面管管理這是一個跨部會的工作好不好但是希望你們就積極的提供意見跟專業的處置方式好不好希望慢慢來解決這件事情可以嗎好感謝委員指導好兩位辛苦了謝謝謝謝牛許廷委員的質詢接著我們鄭振賢委員鄭振賢委員鄭振賢委員不在"},{"start":14958.777,"end":14970.899,"text":"接著我們請蘇清泉委員蘇清泉委員蘇清泉委員蘇清泉委員不在接著我們謝一鳳委員謝一鳳委員謝一鳳委員謝一鳳委員謝一鳳委員不在接著我們鄭天才委員鄭天才委員鄭天才委員不在接著我們請徐曉欣委員質詢謝謝主席那我想我們有請這個金管會黃主委有請黃主委"},{"start":14990.595,"end":15017.17,"text":"委員恭喜您高票當選謝謝主委我們大家對於ETF都相當的關心那也會討論到金管會的整個監督的這個相關的職責那我們就舉2020年發生的一件事情來跟您做一個就教討論也就是當時元大的這個原油ETF的一個問題那簡單來說當時元大我們看到在2020年的時候有一個負油價之亂"},{"start":15018.351,"end":15045.343,"text":"那負油價之亂當時針對ETF的討論就非常的多那主要呢在2020年4月20號因為新冠疫情在全球爆發所以石油價格首次的跌入了負數區間那當時WTI也就是西德州原油的石油價格一開始它暴跌到負38塊美元那按照規定呢ETF淨值為負值的時候主委我們的投信需要做怎樣的一些處置給投資人"},{"start":15048.732,"end":15063.811,"text":"當時是沒有什麼下市的這些特別的沒有那個所謂通過股東會要去下市的規定當時好像就是公告之後就後來因為低於那個指標之後後來好像就下市了"},{"start":15065.272,"end":15087.131,"text":"對 這個確實當時的狀況是這樣但是我們看到過程當中元大投信的問題他那時候為了因應這個狀況我們看下一張圖他們把這個石油期貨自行改成遠艙1.2倍等同於他是鎖死了淨值於0.5元不再連動這個油價的漲跌我要問一下主委這樣子的做法是合法合規的嗎"},{"start":15089.58,"end":15108.794,"text":"我必須要說您非常專業拿這個個案來問我我真的要直接送你合不合法我現在真的記憶記不到那麼清楚但是當時是有裁罰就對了我知道有裁罰我等等會講但總之呢這個會造成一個狀況就是他用調整合約的方式呢他等同於是什麼因為他"},{"start":15109.915,"end":15138.729,"text":"後續你看到這個圖他雖然一開始是跌的但他後來反彈了他反彈上去的狀況可是我們的淨值已經鎖死了所以變成你看下面那條橘色的線原大S&P它原油完全沒有上漲照理來說WTI它往上飆升它本來跌下來的時候你看它是一起跌結果它在2月12號2020年12月它反鎖死這件事情之後4月21號對不起鎖死之後它分離了"},{"start":15139.569,"end":15164.639,"text":"變成後續WTI它上漲的時候元大它也沒有上漲這發生一個狀況是又有一個這個投資人不知道所以他以為還是兩倍連動所以他們不斷追買然後呢又有禁止低於兩塊錢要下市的規定它等於在4月21號買進的投資人已經注定用高價去購買一個必然虧損下市的產品我們要問這種狀況對投資人是公平的嗎"},{"start":15167.847,"end":15192.142,"text":"我記得啦這個大概詳細我這邊沒辦法講的那麼精確的確他改免倉所禁止當時是有爭議的那後來在裁罰上也列入了一個內容但是我覺得更重要就是說這種元大石油障礙這種槓桿型他是屬於避險短期操作時不太適合做長期的投資他在篩選投資人的時候當時也有一些需要去調整的地方"},{"start":15192.642,"end":15216.743,"text":"好那你們如果因為我要問的是說當時4月21號元大改原倉1.2億被鎖禁止的時候你們知不知情因為問題是如果你們知情但是你們沒有立刻的糾正或是阻止散戶去購買那這樣的話你們明明知道散戶如果這時候買進他一定會虧損下市可是我們卻沒有設定一個保護投資者權益的最後只輕輕的罰了元大60萬"},{"start":15217.964,"end":15238.215,"text":"那對於投資者來說他可能就就是真的是賠盡自己的身家都有可能做這樣的狀況然後我們後來也知道元大有四大你們今晚會有提出四大要點今天時間不夠我不一一講那裁罰他60萬我要問的是後續我們金管會對類似這樣子的情況我們有沒有考慮有怎麼樣的一個精進作為"},{"start":15239.403,"end":15256.53,"text":"有,我因為時間有限我會後我們會跟您報告但是後面對於那個他達到一定指標他要下市的那些程序包括那個那個叫分割反分割這些都有做一些規範那因為時間有限我怕我講的不正確"},{"start":15257.67,"end":15285.431,"text":"好那你會後麻煩給我報告那最後我要表達的說當時有講說啊什麼如果有例外狀況的話可以調整契約等等的過去的例外狀況可能在ETF來說比方說啦泰國紅山軍抗議事件造成休止這是例外狀況沒有錯可是這是什麼例外狀況啊這基本上就是投信可能會因為這樣賠錢然後呢就變成是他反過頭來鎖死就欺騙公坑殺了散戶所以我們希望第一個"},{"start":15285.891,"end":15304.331,"text":"金管會未來的策進作為金管會有沒有財閥過輕的問題以及袁大升為他全臺灣發行ETF的投信當中占比規模最大的那未來我們在管理的部分要如何進行麻煩我們主委再提供我們更精確的說明好嗎我們會照委員的提示去處理謝謝委員的指導"},{"start":15307.614,"end":15325.784,"text":"謝謝我們徐小琴委員的質詢接著我們徐欣穎委員徐欣穎委員徐欣穎委員不在接著我們請何欣淳委員何欣淳委員何欣淳委員不在接著我們游皓委員游皓委員游皓委員游皓委員不在接著我們鍾嘉斌委員鍾嘉斌委員鍾嘉斌委員不在接著我們請黃國昌委員黃國昌委員黃國昌委員也不在好"},{"start":15326.877,"end":15355.697,"text":"今日登記發言委員均已詢答完畢本日會議做如下的決定一、報告及詢答完畢二、委員諮詢及為即答覆或請補充資訊請金管會及央行於一周內以書面答覆委員另有要求期限者從其所定三、本日會議議程已進行完畢堂友不在場委員補題書面諮詢一併列入記錄刊登公報並請議事人員協助處理休息"},{"start":15361.888,"end":15362.408,"text":"王國雄議員"},{"start":15387.141,"end":15387.762,"text":"共互開國難不是國難是開國難"}]}},"supported_relations":[],"relations":[]}