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rt":384.088,"end":405.562,"text":"所有的業者他必須要做法幣的儲備一樣要做虛幣的儲備但是虛幣如果我們沒有相關的存款保不像我們有存保公司它可能將來會產生所謂的市場的混亂甚至倒閉所以虛擬的儲備可能也是我們將來必須要走的路同樣的央行這邊"},{"start":407.031,"end":413.813,"text":"可以協助或幫忙金管會要求這些未來的虛幣業者他們除了儲蓄實體的貨幣之外也必須儲備所謂的他們的虛幣而儲備虛幣就成為一個很重要"},{"start":423.897,"end":437.698,"text":"維持市場秩序的重要的工作就像當年很多銀行倒閉 擠兌所以成立了存保公司總裁 你認為將來台灣有沒有必要有可能要成立虛幣的存保公司"},{"start":439.879,"end":466.929,"text":"委員事實上我覺得委員的分析是沒有錯這是一定會來的只是什麼時候到我們要面對這個議題我們要面對這個議題所以我希望總裁從今天開始研議這個議題第二個虛幣要開始開放在台灣管理了他們業者已經要正式合法登記了接下去一定會發生有人倒閉了虛幣沒辦法付的時候我們怎麼辦如果"},{"start":467.529,"end":476.6,"text":"美國政府已經做了所謂的貨幣儲存戰略儲備它一定有它的市場意義跟價值台灣面對開放的市場"},{"start":478.723,"end":502.58,"text":"世界的競爭我們不可能置外於這個世界好嗎這也是可能總裁必須面對這些我們從來沒有碰過的問題是是沒有錯沒有錯而且呢我也想我希望你在一兩個月之內告訴我一下你們跟金管會有沒有針對這邊相關未來開放市場以後這些問題可能我們現在都要做好準備好好"},{"start":503.881,"end":525.715,"text":"我們目前我們是來協助他把這個專法通過了以後一定會發生倒閉的狀況下沒有辦法兌現的時候那時候的消費者權益的保護現在就必須要開始準備加上川普已經把它列為世界上面重要的儲備貨幣我覺得我們不能"},{"start":529.918,"end":554.057,"text":"小看這件事 好不好因為它比一般的貨幣更好貨幣呢 美金可以一直不斷的印美鈔不斷的印但是虛幣有它的穩定性因為它的總量是管制的 好嗎第二個 現在全世界國際清算銀行都要求各國希望大家都能夠用AI掌握經濟資訊請問這是央行現在正在做的事嗎"},{"start":555.086,"end":575.455,"text":"人工智慧人工智慧事實上就人工智慧來講我們各個產業對AI的應用事實上如火如荼的在所以我們也算是登上了我們也是中央銀行也是不會有任何的落後人工智慧你大概也跑不掉了你沒有應用的話將來就是輸給人家第三個部分時間暫停我們請財經公司"},{"start":585.056,"end":589.704,"text":"最近LiPay已經要申請電子支付了"},{"start":590.934,"end":618.272,"text":"所以接下去我們財經公司有建制共同支付的TWQR是不是LiPay這麼大的支付系統也應該趕快加入跟委員報告我們希望他加入希望他加入因為他現在正在申請走程序還有一段時間但是財經公司可以先去完成這件事情我們希望LiPay成為你們的系統之一才不會變成你們有一個又獨立的在外面好嗎"},{"start":619.032,"end":641.129,"text":"是的第二個你們現在推廣到日本跟韓國有沒有考慮去南向跟委員報告有的但是就是我們的推廣的方式就根據國人跟在出國的新南向是我們政府的重要政策新加坡都已經跟泰國印度馬來西亞印尼都已經做好簽約我們目前只有日本跟韓國"},{"start":641.809,"end":659.321,"text":"你跟南向什麼時候要推啊跟委員報告我們現在也正跟新加坡在磋商當中我們希望今年會有一個結果把你的工作跟時程告訴我們因為國人喜歡去東北亞但是也很喜歡去東南亞是的好嗎好 謝謝總裁好 謝謝"}]},"gazette":{"lineno":844,"blocks":[["黃委員珊珊：（11時14分）謝謝主席，有請總裁。"],["主席：楊總裁請。"],["楊總裁金龍：黃委員早。"],["黃委員珊珊：總裁早。我想今天大家都很關心的就是看到央行的報告非常完整……"],["楊總裁金龍：是。"],["黃委員珊珊：但是接下來臺灣面對的可能是很多新的挑戰，主要是昨天總預算案覆議沒有完成，所以電價撥補的錢可能沒有辦法到位，台電3月28日要開電價審議會，總裁，去年此時，當時3月21日央行理監事會因為預計電價可能會調漲，形成高通膨的預期，所以提高了半碼，這一次下個禮拜央行又要開理監事會了，你認為在你的理監事會有可能因為電價有升息的打算嗎？不知道？"],["楊總裁金龍：升息是由我們的理事來共同決定的，基本上去年12月的時候，我們是估測我們的通膨就是CPI是1.89……"],["黃委員珊珊：還不到2。"],["楊總裁金龍：對。然後核心是1.79……"],["黃委員珊珊：所以有沒有可能在電價調漲之後會超過2？"],["楊總裁金龍：對，會接近2，可能會升高1%。"],["黃委員珊珊：所以通膨可能會比我們預期的高？"],["楊總裁金龍：不過我總覺得我們的通膨是慢慢在下來的。"],["黃委員珊珊：前一陣子因為疫情的關係，因為原物料的關係，因為其他相關戰爭的關係。現在看起來你有很大的篇幅在說川普新政，我想請問總裁，因為全世界都不知道川普下一步會怎麼做，所以其實是一個高度不確定的……"],["楊總裁金龍：是，沒有錯。"],["黃委員珊珊：他的新政，你認為他會舒緩通膨，還是加劇通膨？"],["楊總裁金龍：就一般市場來看的話，市場大部分都會認為他會加劇通膨。"],["黃委員珊珊：加劇通膨，因為加了關稅嘛……"],["楊總裁金龍：是。"],["黃委員珊珊：加了關稅，不太可能不漲價，然後美國人民的生活可能會更辛苦……"],["楊總裁金龍：對。"],["黃委員珊珊：但是他又要課高關稅，讓美國人民不用繳稅，這個政策實在是有點特別。"],["楊總裁金龍：是。委員講的沒有錯。"],["黃委員珊珊：但是如果說會加劇通膨，在通膨加劇的情況下，臺灣也會受到影響，因為我們的關稅也會被他加，我們也可能要加他的關稅，是嗎？"],["楊總裁金龍：對我們的通膨的影響，美國如果加關稅，事實上在我們的報告裡面也有談到，他加徵關稅，特別是對我們的……"],["黃委員珊珊：所以對我們的通膨有沒有影響？"],["楊總裁金龍：基本上，影響不大。"],["黃委員珊珊：你認為影響不大？"],["楊總裁金龍：是，影響不大。"],["黃委員珊珊：接下來就是我們預期經濟成長率是百分之三點多，那美國的經濟成長率，有很多的人說，川普也說，可能會經過陣痛期，不排除下修。那請問央行，我們的經濟成長率有可能受到影響而下修嗎？"],["楊總裁金龍：我們的經濟成長率目前預估是3.14%，國內外的機構預估是差不多3.04%，如果美國的經濟下修，也許臺灣的經濟也會受到影響。"],["黃委員珊珊：好。第二個部分就是最近最熱門的話題，全世界的經濟市場都受到很大的影響，3月6日川普簽署了行政命令，要求美國政府將比特幣列為戰略儲備，這是前所未有的，所以我想問一下總裁，對臺灣來說，對央行來說，我們一直把虛擬貨幣當成一個高投資、高風險的商品交易，現在美國這樣子的做法，你認為我們要怎麼樣去看待未來比特幣等虛擬貨幣？央行的立場如何？還是你認為它還是高風險的，沒有辦法正常運作，但是全世界最大的國家美國把它變成戰略儲備，這是一個很大很大的變革，所以我們要怎麼去看待？"],["楊總裁金龍：是，如果就戰略儲備的這個定義來看的話……"],["黃委員珊珊：戰略儲備就是因為他對它要有信心，才會儲備在那邊，跟黃金一樣，如果這個東西是虛的，他幹嘛儲備？表示美國已經把它定性成為一個可以讓人民儲備，或者是在戰爭的時候可以拿來安定人心的東西，我們是不是這樣想呢？還是我們還是把它當成只是投機的商品？"],["楊總裁金龍：到目前為止，我也不是說比特幣是投機的，我們只是說它是一個價格波動非常大的商品……"],["黃委員珊珊：價格波動非常大，當它列入了美國的戰略儲備之後，其實現在的價格是回跌。","第二個，因為放在那裡，大家反而對於虛擬貨幣要有新的認識，我覺得立場很簡單，我們不可能自外於世界……"],["楊總裁金龍：是。"],["黃委員珊珊：所以總裁，這是一個未來的世界，它必須要被正視……"],["楊總裁金龍：是。"],["黃委員珊珊：接下來金管會也會成立虛擬資產的專法，在臺灣的虛擬資產管理會往前走一步，所以我必須要在現在這個時間點，請問央行的總裁，在虛擬貨幣已經成為美國戰略儲備的同時，我們怎麼樣去面對這個我們從來未知的世界，尤其是戰略儲備，將來是不是在臺灣，我們開放了虛擬資產交易平台以後，所有的業者必須要做法幣的儲備，一樣要做虛幣的儲備，但是對於虛幣，如果我們沒有相關的存保公司，可能將來會產生市場的混亂，甚至倒閉，所以虛擬的儲備可能也是我們將來必須要走的路。同樣的，央行這邊可以協助或幫忙金管會，要求這些未來的虛幣業者，他們除了儲蓄實體的貨幣之外，也必須儲備虛幣，而儲備虛幣就成為一個維持市場秩序的重要工作，就像當年，很多銀行倒閉、擠兌，所以成立了存保公司。總裁，你認為將來臺灣有沒有必要、有可能要成立虛幣的存保公司？"],["楊總裁金龍：委員，事實上，我覺得委員的分析沒有錯……"],["黃委員珊珊：這是一定會來的，只是什麼時候到。"],["楊總裁金龍：是，我們要面對這個議題……"],["黃委員珊珊：沒錯，所以我希望總裁從今天開始研議這個議題。","第二，虛幣要開放在臺灣管理了，業者已經要正式合法登記了，接下去一定會發生，有人倒閉了，虛幣沒辦法付的時候，我們怎麼辦？如果美國政府已經做了虛幣儲存戰略儲備，它一定有它的市場意義跟價值，臺灣面對開放的市場、世界的競爭，我們不可能自外於這個世界，好嗎？"],["楊總裁金龍：好，我想……"],["黃委員珊珊：這也是總裁可能必須面對這些我們從來沒有碰過的問題。"],["楊總裁金龍：是，沒有錯，沒有錯，而且我也想……"],["黃委員珊珊：我希望你在一、兩個月之內告訴我，你們跟金管會有沒有針對未來開放市場以後這些相關問題，可能我們現在都要做好準備。"],["楊總裁金龍：好，好。目前我們是來協助他把這個專法……"],["黃委員珊珊：是的，專法通過了以後，一定會發生倒閉的狀況下沒有辦法兌現的問題，那時候消費者權益的保護，現在就必須要開始準備，加上川普已經把它列為世界上重要的一個儲備的貨幣，我覺得我們不能小看這件事，好不好？"],["楊總裁金龍：好。"],["黃委員珊珊：因為它比一般的貨幣更好，一般貨幣，像美金，美鈔可以一直不斷地印，但是虛幣的穩定性好，因為它的總量是管制的，好嗎？"],["楊總裁金龍：是。好。"],["黃委員珊珊：第二個，現在全世界國際清算銀行都要求各國能夠用AI掌握經濟資訊，請問，這是央行現在正在做的事嗎？人工智慧。"],["楊總裁金龍：事實上，就人工智慧來講，我們各個產業對AI的應用正如火如荼地在展開……"],["黃委員珊珊：所以我們也算是跟上了。"],["楊總裁金龍：我們也是，中央銀行也是。"],["黃委員珊珊：不會有任何的落後？"],["楊總裁金龍：對，對，這一點沒有錯。"],["黃委員珊珊：好。因為人工智慧你大概也跑不掉啦，你沒有運用的話，將來就是輸給人家。"],["楊總裁金龍：委員講的沒有錯。"],["黃委員珊珊：好。第三個部分，時間暫停，我們請財金公司。"],["主席：請林董事長。"],["黃委員珊珊：最後一個小問題，最近LINE Pay已經要申請電子支付了，所以接下去我們財金公司有建置共同支付的TWQR，LINE Pay這麼大的支付系統，是不是也應該趕快加入？"],["林董事長國良：跟委員報告，我們希望它加入。"],["黃委員珊珊：希望它加入？"],["林董事長國良：是。"],["黃委員珊珊：因為它現在在申請，走程序還有一段時間，但是財金公司可以先去完成這件事情，我們希望LINE Pay成為你們的系統之一，才不會變成有一個獨立的在外面，好嗎？"],["林董事長國良：是的。"],["黃委員珊珊：第二個，你們現在推廣到日本跟韓國，有沒有考慮去南向？"],["林董事長國良：跟委員報告，有的。但是就是我們的推廣方式是根據國人……"],["黃委員珊珊：新南向是我們政府的重要政策，新加坡都已經跟泰國、印度、馬來西亞、印尼簽約，我們目前只有跟日本、韓國簽約，你們南向什麼時候要推啊？"],["林董事長國良：跟委員報告，我們現在也正跟新加坡在磋商當中，我們希望今年會有一個結果。"],["黃委員珊珊：好，把你的工作跟時程告訴我們，因為國人喜歡去東北亞，但是也很喜歡去東南亞，好嗎？"],["林董事長國良：好，是的。"],["黃委員珊珊：好，謝謝總裁。"],["楊總裁金龍：好，謝謝。"],["主席：謝謝黃委員的質詢。","下一位請林思銘委員質詢。"]],"agenda":{"page_end":226,"meet_id":"委員會-11-3-20-2","speakers":["賴士葆","林德福","吳秉叡","顏寬恒","郭國文","賴惠員","李彥秀","鍾佳濱","羅明才","黃珊珊","林思銘","李坤城","王世堅","陳玉珍","王鴻薇","邱志偉","陳冠廷","李柏毅"],"page_start":169,"meetingDate":["2025-03-13"],"gazette_id":"1142701","agenda_lcidc_ids":["1142701_00005"],"meet_name":"立法院第11屆第3會期財政委員會第2次全體委員會議紀錄","content":"邀請中央銀行楊總裁金龍率所屬單位主管暨財金資訊股份有限公司董事長列席業務報告，並備質\n詢","agenda_id":"1142701_00004"}}},"supported_relations":[],"relations":[]}