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這樣好慘捏保本穩賺這個東西"},{"start":357.226,"end":379.555,"text":"現在的話就是說跟我們報告就是我們現在確實我們台灣現在已經跟他講跟Vespa有關是因為現在我們真的有這樣的一個比如說交易平台也有這些轉換商這些我們這些我們所謂的虛擬資產服務業者現在正在經營我們就算我們還是可以在買賣這些幣有買賣以後呢他就衍生出很多的比如說他的衍生出的一些金融行為像借貸"},{"start":380.795,"end":405.372,"text":"這個就是其中的一個那就是批土批啊也不是批土就等於說在那個某種程度是這個意思啊怎麼不是呢請問他到底你們管不管這個到底管不管現在我們的交易的部分我們現在是你看到這個現象沒有這個是很普遍在那個對然後你不管我們現在是因為他整個交易我們是有納管的"},{"start":407.864,"end":412.07,"text":"有關金融監督管理委員會主管中央政府總預算案有關金融監督管理委員會主管中央政府總預算案"},{"start":427.954,"end":446.67,"text":"這個穩賺不賠的利率耶雖然短時間不高4.5有的高一點點5.5還要更高的啊這個東西很危險的這個東西他就跟供需有關我跟委員報告就是我們現在明年6月我們在我們現在正在嚴定這個虛擬財產管理專法的部分我們就會把define的部分呢會把它規範進去"},{"start":448.462,"end":475.515,"text":"所以你們要管這個是未來一定是變成是一定是必然我們看國際的趨勢就是說他會衍生出來一些交易那你管的方式就是讓他基本上他是合法的是不是我們通常合法的前提就是你要合規啊就是前面有一些規矩他合不合規請問他合不合規有些規矩啊我們要定出來才合規那如果合規的話第三方支付比如說這某一個平台"},{"start":477.233,"end":496.791,"text":"我買東西我放一萬塊在哪裡我用了兩千買東西剩八千八千他拿去投資他給我固定的利率4%可以嗎這個你說不行啦第三萬支付過去你就說不行這個就逼逼託你就可以了這奇怪的咧"},{"start":498.752,"end":526.058,"text":"我沒有說可以我只是說我們未來的專法的時候因為這個是全世界在演化中的東西我們在專法的時候我們會把未來的像比如說這所有的虛擬資產的相關的那個課題考慮進來我想這部分什麼時候可以出來啦這個專法什麼時候出來我們現在草案正在討論中什麼時候出來我們預期是1月的時候會開始公聽然後6月的時候我們會送進行政院6月送進行政院關於關於什麼"},{"start":526.879,"end":531.372,"text":"關於所謂的虛擬資產服務以及那個投資人保護的專法"},{"start":533.74,"end":559.973,"text":"虛擬資產的交易吧有沒有交易當然交易是其中一部分交易還有它的機構管理機構管理消費者保護消費者保護應該是交易人保護這個1月份開始公定會6月份送到行政院我們的就等於說那你希望行政院什麼時候可以出來這我沒辦法希望我當然希望假設我們送過去的話還有社會的共識第三方支付勒還是不行"},{"start":561.414,"end":576.994,"text":"因為現在第三方支付是速發部在主管的業務啊所以你不管不是不管就是我們管的是我們自己的彭主委你要注意喔全台灣人民不管什麼第三方支付不管這個圓的邊的大家只要看到錢啊錢啊"},{"start":578.476,"end":584.261,"text":"在交易啊 大家認為你要管喔這也是我們要特別說明你要管啊 錢 只要錢 你想啥 你要管啊這裡要特別說明了 不是所有錢都是歸金管會我是告訴你 老百姓都認為來來來 第三個我們看一個 你們最近公佈一個東西好奇怪喔全台灣人的人均存款欸"},{"start":601.432,"end":603.033,"text":"臺北市存款925萬台北市的一個人"},{"start":613.737,"end":615.898,"text":"如果夫妻兩個人就1800然後第二名是新竹市518萬第三名是嘉義市249萬然後第四名在台中市213萬"},{"start":632.256,"end":648.282,"text":"這宿舍到底是怎麼統計的有沒有包括外幣存款臺北市這個如果大家聽的話大家很挫折了我不知道這一座各位你們臺北市的人存款一個人喔如果你家裡四個人的話你就要3600萬喔你就要快4000萬喔喔 這個東西這你統計是你統計嗎 今晚會統計嗎"},{"start":659.925,"end":672.752,"text":"委員提到就是說我們下次如果有類似的數字我們可以公佈各式各樣的數據那這樣會比較容易不用導致這樣的一個比如說解讀上面的困擾不是 我就問你有沒有包括外幣存款 有沒有"},{"start":673.9,"end":688.989,"text":"這我要回去瞭解一下啊你不要去按哪一位現在可以馬上瞭解嗎那我們知道一下我們瞭解完馬上跟委員報告你們為什麼不用中位數呢我們就跟郭泰民平均去跟張作某平均這個沒有道理啊"},{"start":690.305,"end":693.506,"text":"對不對我跟張忠偉平均一個人900多萬臺北市請問各位大家在看這個直播臺北市民平均一個人的存款現金存款喔現金喔925萬喔我不知道我們主席議員有沒有這麼多喔925萬喔一個人喔"},{"start":715.173,"end":721.497,"text":"一個人平均在銀行裡面喔銀行局要不要講一下這書是怎麼來的啊你們公佈的欸我不知道為什麼不用中位數啊來講一下為什麼不用中位數啊"},{"start":731.718,"end":753.961,"text":"沒有沒有我想我們查證一下啦今天就是假設說未來假設真的是我們在出示這些數據的時候確實有不同的參數有不同的含義啦我想這部分我們假設我覺得應該是莊惠素啦因為台北市大老闆太多了啦郭台銘一年的股不只或是張忠謀他們大老闆每年的股利都幾十億元平均"},{"start":755.422,"end":756.583,"text":"因為談到網營啊也是你們想想的政績之一啊"},{"start":777.932,"end":805.401,"text":"每一次最高五萬每天最高十萬每月最高二十萬可是你們有一個辦法喔這個辦法就是根據安控基準第八條第二款第四目第四小目跟第五小目說一定的話可以把二十萬提高但是但是銀行都告訴因為這是有人來跟我告狀的"},{"start":806.957,"end":809.778,"text":"報告委員沒有這個時間上面的限制如果要提高的話是認證的方式要提高平均多久時間"},{"start":837.569,"end":854.864,"text":"這個應該 如果你約定了之後因為現在有一些防詐的議題所以大概是兩天啦兩天喔對 兩天才能申請來跟我高中的客戶說他要提高為25萬對方告訴他我不要講那些銀行的我都可以跟你講銀行的不要講啦他說要一年"},{"start":858.647,"end":860.268,"text":"我比較在意那個臺北市居然一個人平均有900多萬阿土西兩個人1800 怕死啦 這裡面可能只有賴慧營有"},{"start":886.892,"end":887.454,"text":"賴委員、賴委員還有賴總統謝謝"}]},"gazette":{"lineno":256,"blocks":[["賴委員士葆：（9時31分）謝謝主席，有請金管會的彭主委。"],["主席：彭主委。"],["彭主任委員金隆：委員早。"],["賴委員士葆：您早。我想每一個委員都很關心，昨天明明美國是降息的，一般來講，降息股市是正面反應，結果它暴跌了一千多點，你的專業跟你的資訊我想是比較多，能不能告訴我們主要的原因到底是什麼？講一個原因就好了，不用講很多，一個主要的原因是什麼？"],["彭主任委員金隆：我剛才有提到，當然股市是很敏感啦，本來預期我們的降息速度會快一點，但是這樣的一個降息，大家預期會放緩，我是看到這樣的，當然有很多原因，比如說包括未來川普政策的不確定性，還有剛剛吳委員講的，年底的這些作帳，逼近了聖誕節，很多問題都是很複雜的。"],["賴委員士葆：你講聖誕節，難道這些投資人都放假去了嗎？"],["彭主任委員金隆：比如說到年底的時候，他們就會開始……"],["賴委員士葆：開始放假？"],["彭主任委員金隆：對，這當然也是一個說法啦！我想股市是非常敏感的，就像我們今天看，其實也不是只有一個地方反應，有些地方也是有不同的反應。"],["賴委員士葆：有一種講法說其實這次降一碼，市場預期就是一碼，跟市場預期沒有什麼不一樣啊！就是一碼啊！"],["彭主任委員金隆：就是預期會慢。"],["賴委員士葆：但是大家會看到明年，有人提一個東西叫點陣圖，你知道嗎？從點陣圖看出來，按照這樣來講，未來應該是要降四碼，結果變成只降兩碼。"],["彭主任委員金隆：對，就是會放緩。"],["賴委員士葆：這個你同意不同意？"],["彭主任委員金隆：當然是很多種說法啦！"],["賴委員士葆：對。"],["彭主任委員金隆：有一種說法就是本來預期應該會快一點，但是未來到明年大概也是會比較放緩，尤其未來，像我們上次針對美國未來政策在報告的時候也有說，雖然這樣預期，但是未來以他很多政策按照媒體這樣講的話，比如關稅拉高、通膨增加，這時候說要降息就可能是有點困難，也就是說，很多原因混雜在一起。"],["賴委員士葆：CPI啦，美國的通膨其實是嚴重的。"],["彭主任委員金隆：是。"],["賴委員士葆：到現在為止，尤其加上大家看到川普未來加關稅，川普講過一句話，他說他最愛的一個字就是tariff──關稅，他最愛關稅，他跟人家談的交易密碼就是關稅。"],["彭主任委員金隆：是。"],["賴委員士葆：當然也不排除市場人士……華爾街都是支持川普的嘛！大家都知道嘛！對不對？做球給川普啊！現在不能漲太高，開始壓一壓，等到川普一來就一直漲，大家都預估川普上來，其實股市會漲的，這個你同意嗎？"],["彭主任委員金隆：當然這也是一種說法，很多種說法啦！我想華爾街本來就是一個有買、有賣，反正這個是一個市場，我想金管會……"],["賴委員士葆：華爾街這一次挺川普是對的。"],["彭主任委員金隆：當然外界是說因為未來川普會鬆綁金融業的一些限制。"],["賴委員士葆：是啊！"],["彭主任委員金隆：所以大家預期還有對很多產業……"],["賴委員士葆：所以等於是大家來看的話，美股在川普上臺之後應該是漲勢可期啊！可不可以這樣講？"],["彭主任委員金隆：這個只是一種說法，我覺得……"],["賴委員士葆：你同意不同意嘛？"],["彭主任委員金隆：資本市場最難的就是無法預期。"],["賴委員士葆：另外一種講法是資金最近因為比特幣拚命衝新高，往加密貨幣跑，這個也是原因之一。"],["彭主任委員金隆：我想如果從整個交易量來看、整個資本市場來看的話，現在交易量當然還是一個相對比較低的，還是個位數，當然以它的速度來看，確實引人矚目，比如說現在往虛擬資產方向移動的速度確實是……因為它基期比較低，但是從一個整體來看，它還是一個比較低的水位。"],["賴委員士葆：而且越來越多的商品買賣慢慢開始用加密貨幣了，對吧？"],["彭主任委員金隆：對，我們也有觀察到這樣一個發展。"],["賴委員士葆：好，我們來看，這個跟你有關係，現在有幣託，債權很搶手，這裡面來講等於用USDT（泰達幣）……"],["彭主任委員金隆：泰達幣，USDT──泰達幣。"],["賴委員士葆：基本上就等於對美元是1比1。"],["彭主任委員金隆：對，穩定幣。"],["賴委員士葆：差不多是這樣。結果變成用泰達幣給他，然後比如說約定一個月內，或者是90天，給你4.5%，或者是120天給你5.5%，甚至於更高，這個你們管不管？"],["彭主任委員金隆：這個是所謂DeFi的部分，如果說是一個在虛擬世界可以交易的對象，自然有人欠、有人要還，就像股票有借券那個概念是一樣的，所以說……"],["賴委員士葆：我問你，這管不管啦？"],["彭主任委員金隆：現在的話，我們的交易……"],["賴委員士葆：你們管不管？請問。"],["彭主任委員金隆：我們現在的交易是按照我們VASP的部分，我們在DeFi的部分現在有……"],["賴委員士葆：不要跟我講VASP，那個是防洗錢的，跟這個關係不大，現在來講的話，因為它推出的……我的表沒有秀出來，大家google一下就可以看得到，它是保本穩賺，就是你只要把錢給它，比如說45天，或者是50天、60天，它就給你4.5%，喔，很好賺耶！保本穩賺！這個東西……"],["彭主任委員金隆：我跟委員報告，確實我們臺灣現在已經……剛剛講跟VASP有關是因為現在我們真的有這樣一個交易平臺，也有這些轉換商，就是所謂虛擬資產服務業者，現在正在經營，我們還是可以買賣這些幣，有買賣以後就衍生出一些金融行為，像借貸就是其中的一個。"],["賴委員士葆：那就是P2P啊！"],["彭主任委員金隆：也不是P2P，等於說在……"],["賴委員士葆：某種程度是這個意思啊，怎麼不是呢？請問到底你們管不管？這個到底管不管？"],["彭主任委員金隆：現在交易的部分，我們現在是……"],["賴委員士葆：你看到這個現象沒有？"],["彭主任委員金隆：這個是很普遍在……"],["賴委員士葆：對。那你不管？"],["彭主任委員金隆：現在它整個交易，我們是有納管的。"],["賴委員士葆：這個已經快接近吸金了喔！這個等於跟幾十年前的鴻源吸金很類似喔！我只要換成USDT給他，他就給我穩賺不賠的利率，雖然短時間不高，4.5%，有的高一點就有5.5%，還有更高的啊！這個東西很危險耶！"],["彭主任委員金隆：它就跟供需有關，我跟委員報告，我們現在正在研訂虛擬財產管理專法的部分，我們就會把DeFi的部分規範進去。"],["賴委員士葆：所以你們要管？"],["彭主任委員金隆：這個未來一定是變成是必然的，我們看國際的趨勢就是它會衍生出一些交易。"],["賴委員士葆：那你管的方式就是讓它基本上是合法的，是不是？"],["彭主任委員金隆：我們通常合法的前提就是你要合規，就是前面有一些規定……"],["賴委員士葆：請問它合不合規？"],["彭主任委員金隆：有些規矩我們要訂出來才……"],["賴委員士葆：如果合規的話，像第三方支付，比如說某一個平臺，我買東西，我放1萬塊在那裡，我用了2,000買東西，剩8,000，8,000被它拿去投資，它給我固定的利率4%，可以嗎？"],["彭主任委員金隆：現在當然是……"],["賴委員士葆：這個你說不行啊，第三方支付過去，你就說不行，幣託就可以？很奇怪耶！"],["彭主任委員金隆：委員，我沒有說可以，我的意思是說我們未來訂定專法的時候，因為這是全世界在演化中的東西，我們在專法的時候，我們會把未來所有虛擬資產相關的課題考慮進來，我想這部分……"],["賴委員士葆：什麼時候可以出來？專法什麼時候會出來？"],["彭主任委員金隆：草案正在討論中。"],["賴委員士葆：什麼時候出來？"],["彭主任委員金隆：我們預期是1月的時候會開始公聽，然後6月的時候我們會送進行政院。"],["賴委員士葆：6月送進行政院，關於什麼？"],["彭主任委員金隆：關於所謂的虛擬資產服務以及投資人保護的專法。"],["賴委員士葆：虛擬資產的交易吧？有沒有交易？"],["彭主任委員金隆：當然交易是其中一部分。"],["賴委員士葆：交易。"],["彭主任委員金隆：還有它的機構管理。"],["賴委員士葆：機構管理。"],["彭主任委員金隆：消費者保護。"],["賴委員士葆：消費者保護。"],["彭主任委員金隆：它是交易人保護。"],["賴委員士葆：1月份開始公聽會，6月份送到行政院……"],["彭主任委員金隆：就等於說……"],["賴委員士葆：那你希望行政院什麼時候可以出來？"],["彭主任委員金隆：這我沒辦法希望，我當然希望，假設我們送過去的話，還有社會的共識……"],["賴委員士葆：第三方支付呢？還是不行？"],["彭主任委員金隆：因為現在第三方支付是數發部在主管的業務。"],["賴委員士葆：所以你不管？"],["彭主任委員金隆：不是不管，我們管的是我們自己的……"],["賴委員士葆：彭主委，你要注意喔，全國人民不管什麼第三方支付、不管圓的、扁的，大家只要看到錢在交易，大家就認為你要管喔！"],["彭主任委員金隆：這也是我們要特別說明的……"],["賴委員士葆：你要管啊，只要是錢，你就要管啊！"],["彭主任委員金隆：沒有，這也要特別說明的，不是所有錢都是歸金管會。"],["賴委員士葆：我只是告訴你，老百姓都認為……","來，我們看一個你們最近公布的東西，好奇怪喔！全臺灣人的人均存款，喔，臺北市這麼有錢，我都不知道！臺北市平均一個人現金存款有925萬，臺北市一個人耶，如果夫妻兩個人就是1,800萬了；第二名是新竹市，518萬；第三名是嘉義市，249萬；第四名在臺中市，213萬。這個數字到底是怎麼統計的？有沒有包括外幣存款？臺北市這樣，大家一聽很挫折耶！我不知道在座各位，你們臺北市的人存款，一個人喔！如果你家裡有四個人的話，你就有3,600萬喔，將近4,000萬喔！喔，這個東西是你們金管會統計的。"],["彭主任委員金隆：我想剛剛……"],["賴委員士葆：怎麼統計？怎麼統計？"],["彭主任委員金隆：委員提到我們下次如果有類似的數字，我們可以公布各式各樣的數據，這樣會比較容易……不用導致比如解讀上面的困擾。"],["賴委員士葆：不是，我就問你，有沒有包括外幣存款？有沒有？"],["彭主任委員金隆：這我要回去了解一下……"],["賴委員士葆：哪一位現在可以馬上了解，讓我們知道一下？"],["彭主任委員金隆：我們了解完，馬上跟委員報告。"],["賴委員士葆：你們為什麼不用中位數呢？我們去跟郭台銘平均、去跟張忠謀平均，這個沒有道理啊，對不對？我跟張忠謀平均……"],["彭主任委員金隆：委員講各種的……"],["賴委員士葆：一個人九百多萬，請問各位，大家都在看這個直播，臺北市民平均一個人的現金存款925萬，我不知道主席玉珍有沒有這麼多，925萬喔！一個人喔！"],["主席：925塊。"],["賴委員士葆：一個人，平均在銀行裡面的存款。"],["彭主任委員金隆：我們常常要……"],["賴委員士葆：銀行局要不要講一下？銀行局要不要講一下？這個數字怎麼來的啊？你們公布的耶！我不知道為什麼不用中位數？來，講一下，為什麼不用中位數？"],["彭主任委員金隆：我想我們查證一下，未來我們在出示這些數據的時候，確實不同的參數有不同的涵義，這部分……"],["賴委員士葆：我覺得應該用中位數，因為臺北市大老闆太多了，郭台銘或者是張忠謀他們這些大老闆，每年的股利都有幾十億元，一平均……怎麼樣？"],["彭主任委員金隆：我們需要一點點時間再查一下，再跟委員報告。"],["賴委員士葆：3天內，可以嗎？"],["彭主任委員金隆：不用3天，我想不用3天。"],["賴委員士葆：好，1天好了。"],["彭主任委員金隆：可以、可以，沒問題。"],["賴委員士葆：最後一個小問題，再看一下，很簡單，談到網銀，這也是你們小小的政績之一，每一次最高5萬、每天最高10萬、每月最高20萬。"],["彭主任委員金隆：是的。"],["賴委員士葆：可是你們有一個辦法，就是根據安控基準第八條第二款第四目第四小目跟第五小目，約定的話可以把20萬提高，但是銀行都告訴我，因為這是有人來跟我告狀的，銀行說這個約定的話，要1年時間才能約定，review那個paper要1年才能夠review。"],["彭主任委員金隆：應該沒有這樣，我們約定都可以到銀行去約定。"],["賴委員士葆：這是網銀，我講的是網銀。銀行局長，你要不要講一下？"],["彭主任委員金隆：請局長。"],["賴委員士葆：來，講一下。"],["莊局長琇媛：報告委員，沒有時間上面的限制，如果要提高的話，是認證的方式要提高。"],["賴委員士葆：平均多久時間？"],["莊局長琇媛：這個應該如果你約定了之後……因為現在有一些防詐的議題，所以大概是2天。"],["賴委員士葆：2天喔？"],["莊局長琇媛：對，2天才能生效。"],["賴委員士葆：來跟我告狀的客戶說，他要提高為25萬，對方告訴他，我不要講是哪家銀行，我都可以跟你講是哪家銀行，不過公開不要講。對方告訴他要1年，1年啦！"],["莊局長琇媛：好，委員是不是私下再給我們資料，我們再去查？"],["賴委員士葆：可以，我私下把銀行給你，因為這是有人跟我告狀的，謝謝。"],["彭主任委員金隆：謝謝委員。我想我們趕快去查證，謝謝。"],["賴委員士葆：我比較在意臺北市居然一個人平均有九百多萬存款，夫妻兩個人一千八百多萬，嚇死人！這裡面可能只有賴惠員委員有。"],["主席：謝謝賴士葆委員。","接著請賴惠員委員。"]],"agenda":{"page_end":286,"meet_id":"委員會-11-2-20-11","speakers":["陳玉珍","林德福","吳秉叡","賴士葆","賴惠員","王鴻薇","李坤城","李彥秀","伍麗華Saidhai‧Tahovecahe","顏寬恒","黃珊珊","郭國文","洪孟楷","羅明才","葉元之","楊瓊瓔"],"page_start":209,"meetingDate":["2024-12-19"],"gazette_id":"1140901","agenda_lcidc_ids":["1140901_00003"],"meet_name":"立法院第11屆第2會期財政委員會第11次全體委員會議紀錄","content":"一、審查中華民國114年度中央政府總預算案有關金融監督管理委員會、銀行局、證券期貨局、\n保險局、檢查局收支部分（僅詢答）；二、審查中華民國 114年度中央政府總預算案附屬單位預\n算營業部分，有關金融監督管理委員會主管中央存款保險股份有限公司（僅詢答）；三、審查中\n華民國 114 年度中央政府總預算案附屬單位預算非營業部分，有關金融監督管理委員會主管：\n（僅詢答）(一)特別收入基金─金融監督管理基金、(二)信託基金─保險業務發展基金","agenda_id":"1140901_00002"}}},"supported_relations":[],"relations":[]}