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謝謝請問各位委員隊"},{"start":1911.157,"end":1925.968,"text":"請各位委員對上一次的議事錄有沒有異議好那本席在這裡報告在場的委員為主法定人數所以我們的議事錄暫不確定接著我們請議事人員先讀今日的議程"},{"start":1928.075,"end":1928.095,"text":"討論事項"},{"start":1947.102,"end":1967.147,"text":"一、繼續審查證券交易稅條例五案一、行政院罕見審議證券交易稅條例第二條之二及第十二條條文修正草案案二、本院委員羅明財等二十人擬據證券交易稅條例第二條之二條文修正草案案三、本院委員賴思寶等二十人擬據證券交易稅條例第二條之二及第十二條條文修正草案案四、本院委員"},{"start":1968.067,"end":1981.987,"text":"吳立華等19人拟據證券交易稅條例第二條之二及第十二條調研修正常案五、本院委員邱志偉等19人拟據證券交易稅條例第十二條調研修正常案二、審查證券交易稅條例五案一、本院臺灣民眾黨黨團拟據"},{"start":1983.109,"end":2008.054,"text":"政見交易所條例部分條件修正長案本院委員林楚瑩等19人拟據政見交易所條例第二條之二條件修正長案本院委員李坤成等22人拟據政見交易所條例第二條之二條件修正長案本院委員賴慧媛等37人拟據政見交易所條例第二條之二及第十二條條件修正長案本院委員蔡奕宇等16人拟據政見交易所條例第二條之二及第十二條條件修正長案"},{"start":2010.214,"end":2032.224,"text":"金融監督管理委員會含送延長條件當日沖銷交易稅之稅市支出評估報告及延長條件當沖交易證券交易稅實施期間公聽會之會議紀錄案是討論中華民國114年度中央政府總預算案含附屬單位預算及仲計表營業及非營業部分審查日程及審查分配表查案宣導完畢"},{"start":2037.61,"end":2058.361,"text":"接著我們介紹在場委員吳秉瑞吳委員接著介紹與會的官員首先我們先介紹金管會主委彭主委我們綜合規劃處胡處長我們法律事務處林處長"},{"start":2073.761,"end":2096.645,"text":"國際業務處賴處長資訊服務處林處長秘書室張主任人事室任主任主計處我們的戴主任那政風室我們的陳主任"},{"start":2099.502,"end":2126.573,"text":"接著介紹我們銀行局莊局長還有證件取貨局我們的張局長保險局王局長檢察局童局長接著我們介紹中央存款保險股份有限公司董事長黃天牧黃董事長"},{"start":2129.233,"end":2155.583,"text":"還有我們的副董事長黃副總經理接著介紹我們的證交所我們的林修敏林董事長我們的總經理李愛玲總經理介紹我們的期貨交易所我們的吳志興董事長"},{"start":2159.278,"end":2184.166,"text":"還有我們的周建榮總經理那我們的集保中心我們的林秉輝董事長還有我們的陳德湘總經理櫃買中心我們的簡立中董事長還有陳立青總經理"},{"start":2188.208,"end":2212.796,"text":"接著介紹期貨交易中心我們的張董事長還有林總經理那證券期貨中心市場發展基金我們的張傳章董事長張立真總經理"},{"start":2218.22,"end":2240.33,"text":"好 再來介紹我們的聯合信用卡處理中心貴先榮董事長 謝謝還有我們的林棟良總經理還有我們的金融聯合徵信中心郭建忠董事長還有張國明總經理"},{"start":2246.424,"end":2273.724,"text":"臺灣金融研訓院代理院長林仲偉汽車交通交通事故特別補償基金我們的林榮宏總經理財團法人住宅地震保險基金我們的林松濟董事長還有我們的張嘉玲總經理"},{"start":2277.639,"end":2301.709,"text":"那我們的保險安定基金我們的史百達董事長接著再介紹我們的陳昌正總經理那保險事務發展中心代理董事長林松濟董事長對不起李松濟董事長還有我們的葉爾康總經理"},{"start":2308.018,"end":2323.645,"text":"接著介紹我們的金融消費評議中心董事長杜董事長我們的總經理羅總經理歡迎接著介紹我們法務部的參事林峰文參事"},{"start":2328.038,"end":2349.319,"text":"接下來我們繼續今日的議程我們先處理討論事項第4案再來進行金融監督管理委員會的業務報告跟處理討論事項第一跟第三案現在請議事人員先讀中華民國114年度中央政府總預算案含附屬單位預算及"},{"start":2351.444,"end":2358.242,"text":"總計表、營業及會營業的部分、審查日程及審查分配表的草案內容"},{"start":2360.734,"end":2381.072,"text":"中華民國114年度中央政府總預算案含附屬單位預算及總計表營業及分營業部分審查日程草案工作項目中華民國114年度中央政府總預算案含附屬單位預算及總計表營業及分營業部分審查日程及審查分配表提報院會後院會將審查日程及審查分配表交付財政委員會並由議事處函達財政委員會入程113年113年11月5號星期二以前"},{"start":2388.238,"end":2415.223,"text":"財政委員會通案各委員會進行審查11月5日星期二以前各委員會進行審查公務預算部分11月6日星期三至11月28日星期四各委員會擬據公務預算部分之審查報告並送財政委員會匯總12月4日星期三以前各委員會進行審查附屬單位預算營業及分營業部分12月2日至12月26日星期四財政委員會核算匯總整理公務預算部分各委員會之審查報告並擬據審查總報告"},{"start":2417.643,"end":2437.501,"text":"12月5日星期四至12月10日星期二公共預算部分審查總報告送交印刷所附印12月11日星期三財政委員會舉行全體委員會議討論公共預算部分審查總報告並提報院會12月12日星期四各委員會擬據附屬單位預算營業及非營業部分之審查報告並送財政委員會匯總"},{"start":2439.182,"end":2461.324,"text":"12月31日 財政委員會合算會總整理各委員會附屬公務運算之審查報告並已據營業及非營業部分審查總報告後重加印刷所複印本項日程授權財政委員會視公務運算部分之院會協商及二、三讀各委員會實際審查進度及審查報告提送進行彈性調整114年3月14日 以前"},{"start":2463.866,"end":2484.341,"text":"財政委員會舉行全體委員會議討論附屬單位預算及非營業部分審查總報告並提報院會本項日程授權財政委員會市公務預算部分之院會協商及二、三讀各委員會實際審查進度及審查報告提送進行彈性調整114年3月14日星期五以前"},{"start":2484.901,"end":2504.457,"text":"遵命一、因庭會加蓋運會或其他影響總預算案審查時程之事由至本審查日程需配合順應時授權財政委員會修正並通行其他委員會製造二、各委員會對於所審查之公務、營業及分業預算若有提前審訊之部分請先將該部分之審查報告送財政委員會會長"},{"start":2507.031,"end":2524.321,"text":"中華民國114年度中央政務總預算案含附屬黨會預算及政績表營業及非營業部分審查分配表草案、審查委員會、內政委員會、審查機關別及款項別行政院、原住民族委員會、原住民族文化發展中心、客家委員會及所屬、中央選舉委員會及所屬、大陸委員會"},{"start":2525.342,"end":2542.343,"text":"不當黨產處理委員會、內政部、國土管理署及所屬、警政署及所屬、中央警察大學、消防署及所屬、國家公民署及所屬、移民署、建築研究所、空中勤務總隊、海洋委員會、海巡署及所屬、海洋保育署、國家海洋研究院"},{"start":2543.404,"end":2568.392,"text":"費營業基金別、租業基金、營建建設基金、實施平均地權基金、援助民族狀活發展基金、特別收入基金、新住民發展基金、研發及產業訓除替代役基金、警察、消防、海巡、移民空警人員及協情民意安全基金、國家永續發展基金、海洋污染防治基金、信託基金、黃瑞景先生獎學基金、胡彥宗女士獎助學基金"},{"start":2568.812,"end":2575.78,"text":"在校學生獎學基金、成員獎學基金、留讀生先生警察子女獎學基金外交及國防委員會"},{"start":2577.196,"end":2605.807,"text":"外交部、領事事務局、外交及國際事務學院國防部、國防部所屬含國家安全局、僑務委員會、國軍退出役官兵輔導委員會作業基金、國軍生產及服務作業基金、國軍老舊建村改建基金、國防醫學院軍事教育基金、國軍退出役官兵安軍基金、恩賜基金、農民醫療作業基金、資本計劃基金、國軍營舍及設施改建基金、信託基金、裝售跟公益基金、受理捐贈"},{"start":2606.847,"end":2630.089,"text":"僑生獎助學金及監管地區僑民學校私資輔助基金經濟委員會、國家發展委員會、檔案管理局公民教育委員會、經濟部、產業發展署、國際貿易署、標準檢運局及所屬、智慧財產局、水利署及所屬、商業發展署、中小及新創企業署、產業園區管理局及所屬"},{"start":2630.689,"end":2641.442,"text":"地質調查及礦業管理中心、農運署、農業部、林業及自然保育署及所屬、農中發展及水土保持署及所屬、農業試驗所及所屬、林業試驗所、水產試驗所、蓄產試驗所及所屬、獸醫研究所、農業藥物試驗所、生物…"},{"start":2648.885,"end":2673.738,"text":"多樣性研究所、茶及飲料作業改良場、種苗改良繁殖場7個區域農業改良場、漁業署及所屬、動植物防疫檢疫署及所屬、農業金融署、農糧署及所屬、農田水域署、農業科技園區管理中心作業基金、行政院國家發展基金、經濟作業基金、水資源作業基金、農業作業基金、農田水域作業基金、特別收入基金、離島建設基金"},{"start":2675.979,"end":2696.716,"text":"花東地區永續發展基金、促進轉型正義基金、經濟特別收入基金、核能發電後端營運基金、農業特別收入基金、反吐瓦斯基金、信託基金、農民退休基金、營業基金、臺安糖業公司、臺灣中油公司、臺灣電力公司、臺灣自來水公司、財政委員會"},{"start":2697.717,"end":2723.311,"text":"主席總處、審計部、審計部台北市審計處、審計部新北市審計處、審計部桃園市審計處、審計部台中市審計處、審計部台南市審計處、審計部高雄市審計處、財政部、國庫署、負稅署、臺北國稅局、高雄國稅局、北區國稅局及所屬、中區國稅局及所屬、南區國稅局及所屬、公務署及所屬、國有財產署及所屬、財政資訊中心、金融監督管理委員會"},{"start":2724.672,"end":2750.041,"text":"銀行局、證券企業局、保險局、檢察局、直轄市及縣市政府、調整軍工教育人員待遇準備、災害準備金、第二預備金、融資財源調度、債務基金、中央政府債務基金、特別收入基金、金融監督管理基金、信託基金、保險業務發展基金、營業基金、中央銀行、含中央造幣廠、中央印製廠、中國輸出域銀行、臺灣金融控股公司、含臺灣銀行公司"},{"start":2751.864,"end":2754.813,"text":"臺銀人壽保險公司、臺銀綜合證券公司、臺灣土地"},{"start":2756.072,"end":2778.928,"text":"公司、財政部印刷廠、臺灣煙酒公司、中央存款保險公司、交易及文化委員會、中央研究院、國立故宮博物院、核能安全委員會及所屬、教育部、國民及學前教育署、體育署、青年發展署、國家圖書館、國立公共資訊圖書館、國立教育廣播電台、國家教育研究院、文化部、文化資產局、影視及流行音樂產業局、國立傳統藝術中心、國立臺灣美術館及所屬、"},{"start":2782.831,"end":2799.706,"text":"國立臺灣工業研究發展中心、國立臺灣博物館、國立臺灣史前文化博物館、國家人權博物館、國立臺灣歷史博物館、國立臺灣文學館、國家科學及技術委員會、新竹科學園區管理局、中部科學園區管理局、南部科學園區管理局"},{"start":2800.487,"end":2824.35,"text":"作業基金、47所國立大學校務基金、國立臺灣大學輻射醫院作業基金、國立臺灣大學輻射醫院、國立成功大學輻射醫院作業基金、國立陽明交通大學輻射作業基金、交易部所屬機構作業基金、國立高級中等學校校務基金、科學園區管理局作業基金、國立文化機構作業基金、故宮文物藝術發展基金"},{"start":2826.038,"end":2849.288,"text":"特別稅務基金、中央研究院科學研究基金、行政院國家科學技術發展基金、學產基金、運動發展基金、私立高級以上學校退場基金、核子事故緊急應備基金、文化發展基金、交通委員會、國家通訊傳播委員會、國家運輸安全調查委員會、公共工程委員會、交通部、民用航空局、中央氣象署、"},{"start":2851.169,"end":2869.416,"text":"觀光署及所屬、運輸業研究所、公路局及所屬、鐵道局及所屬、韓港局、數位發展部、自動安全署、數位產業署、作業基金、交通作業基金、特別收入基金、韓港建設基金、通訊傳播監督管理基金、有限廣播電視、事業發展基金"},{"start":2870.676,"end":2884.553,"text":"營業基金、中華郵政公司、國營臺灣鐵路公司、臺灣港務公司、韓臺灣港務港勤公司、高雄港區土地開發公司、桃園國際機場公司、司法及法治委員會、總統府、國家安全會議、國使館、國使館臺灣文獻館"},{"start":2887.136,"end":2916.436,"text":"人事行政總署公務人力發展學院立法院司法院最高法院最高行政法院臺北高等行政法院臺中高等行政法院高雄高等行政法院懲戒法院法官學院智慧財產及商業法院臺灣高等法院及4個分院20個臺灣地區地方法院臺灣高雄少年及家事法院福建高等法院金門分院福建金門地方法院福建連江地方法院考試院考選部全區部公務人員"},{"start":2917.256,"end":2946.616,"text":"保障基域培訓委員會國家文官學院及所屬公務人員退休輔助基金管理局監察院法務部司法官學院法醫研究所廉政署矯正署及所屬行政執行署及所屬最高檢查署臺灣高等檢查署及4個檢查分署臺灣高等檢查署智慧財產檢查分署20個臺灣地區地方檢查署福建高等檢查署金門檢查分署福建金門檢查地方檢查署福建廉價地方檢查署調查局"},{"start":2947.236,"end":2962.252,"text":"作業基金、房屋部矯正機關作業基金、考選業務基金、特別收入基金、毒品防治基金、信託基金、中央公教人員極限救助基金、公務人員退休輔具基金、公務人員個人專務制退輔儲金基金"},{"start":2963.908,"end":2987.793,"text":"社會福利及衛生環境委員會勞動部勞工保險局勞動力發展署及所屬職業安全衛生署勞動基金應用局勞動及職業安全衛生研究所衛生福利部疾病管制局食品藥物管理署中央健康保險署國民健康署社會及家庭署國家中醫藥研究所環境部氣候變遷署資源循環署"},{"start":2988.613,"end":3006.336,"text":"化學物質管理署、環境管理署、國家環境研究院、作業基金、勞工保險局作業基金、醫療藥品基金、管制藥品製藥工廠作業基金、全民健康保險基金、國民年金保險基金、特別收入基金、就業安定基金、衛生福利特別收入基金、環境保護基金"},{"start":3006.997,"end":3019.411,"text":"信託基金、勞工退休基金救治勞工退休基金新制積欠工資墊長基金支援回收管理基金信託基金部分清潔對人執行職務死亡記住基金備註"},{"start":3021.994,"end":3048,"text":"第一屆中央政府總預算案審查程序第三條規定嚴密並配合中央政府各機關組織變動予以調整二、中華民國114年度中央政府總預算案稅率部分行政院向下有關一、行政院國家發展基金剩餘繳庫部分由經濟委員會審查二、中央銀行股息紅利繳庫部分由財政委員會審查三、外交部、國防部及僑務委員會主管機密預算部分由外交及國防委員會舉行祕密會議進行審查"},{"start":3051.668,"end":3077.479,"text":"好 謝謝 那個我們現在先補充介紹到現場的林德虎林委員那請問各位委員對中華民國114年度中央政府總預算案含附屬單位預算及總計表營業及非營業的部分審查日程及審查分配表草案有沒有意義"},{"start":3079.495,"end":3103.5,"text":"無異議我們就召喚通過提報宴會因為本案要配合宴會議程的一個需要請議事人員盡速將本案提報宴會"},{"start":3106.857,"end":3134.783,"text":"那請各位委員對於上一次議事錄有沒有異議好那議事錄確定接著本次會議安排一、金融管理監督委員會進行業務報告二、繼續審查行政院函請審議證券交易稅條例第二條之二及第十二條條文的修正草案等五案三、審查一、本院、臺灣民眾黨"},{"start":3138.031,"end":3156.344,"text":"黨團凝聚證券交易稅法條例部分條文修正草案一案二本院委員林楚英等19人委員李坤成等22人分別凝聚證券交易稅條例第二條之二"},{"start":3157.863,"end":3173.334,"text":"條文修正草案兩案本院委員賴慧妍等37人委員蔡玉儀等16人分別凝聚證券交易稅條例第二條之二及第12條條文修正草案兩案"},{"start":3174.975,"end":3201.096,"text":"是金融監督管理委員會委員含送延長條件當日沖銷交易稅的稅室支出評估報告及延長條件當沖交易稅交易證券交易稅法實施的一個期間公聽會的一個會議記錄那我們現在請金融管理監督委員會彭主委進行"},{"start":3202.258,"end":3206.43,"text":"業務及稅事支出的一個評估及公聽會會議記錄的一個報告那個彭主委請"},{"start":3214.286,"end":3233.916,"text":"主席、各位委員、媒體先進大家早安陳貴文會邀請緊究國內金融概況及本會重點工作提出報告進行指教一、有關國內金融概況部分截至8月底銀行全體的稅後盈餘為4,080億元證券商等為1,058億保險業為3,054億金融商業較去年同期增加2,595億銀行"},{"start":3243.681,"end":3248.989,"text":"截至113年6月底平均資本市足利為14.79餘放比為0.15%受信品質良好具相當金融韌性保險業總資產36兆8400餘"},{"start":3259.884,"end":3268.347,"text":"議員較去年同期增加1兆1577億元平均受險資本市足利為318.9%產險業為481.06%證券市場截至9月底國內上市會公司加數為1852家總市值為77.74兆元成交值為88.97兆元截至9月3日上漲23.95"},{"start":3285.802,"end":3309.431,"text":"二、未來重點工作事項一、強化金融資本韌性及風險監理主要工作包括一、推動保險業接軌國際會計制度及在地化資本制度並將於今年底發布第四階段調適措施二、修正發布保險業計算自由資本方式開放成立特定目的公司國外籌資"},{"start":3310.831,"end":3329.84,"text":"三、增訂人身保險業外匯價格準備金強化資本發布銀行自由資本及風險性資產之計算方法及說明完成銀行流動性風險管理自律規範發布金融業導入零信任架構參考指引二、健全金融市場紀律與公司治理主要工作包括一、推動銀行"},{"start":3331,"end":3346.92,"text":"建立責任地圖制度強化指數股票型基金ETF之監理將強化資訊揭露、廣告行銷、市場風險控管等三方向強化公發公司、證券期貨及服務事業之內部控制制度"},{"start":3348.294,"end":3359.744,"text":"三、落實消費者權益保護與普惠金融將積極推動各項防詐措施協助訂定保險契約強制執行並修改保險法"},{"start":3361.238,"end":3377.534,"text":"推動壯世代金融商品措施推動信託2.0第二階段計畫持續落實公平代課相關作為四、推動亞洲資產管理中心並已於上週四進行專案報告主要推動概述如下一、推動財富管理業務推動計畫"},{"start":3379.84,"end":3394.89,"text":"推動本國投信壯大計畫逐步改善私募基金發展環境推動股市壯大計畫擴大證券商業務範圍鼓勵保險業投資國內公建及策略性等相關措施"},{"start":3396.131,"end":3424.02,"text":"加速金融科技創新與金融服務將於明年增設金融市場與發展創新處我們也支持數位金融發展嚴定虛擬資產管理專法預計於明年的6月前將專法送至行政院提升自動化投顧服務法律的位階發布金融業申請業務示範作業要點放寬金融業創新業務示範範圍鼓勵金融業與國內外金融科技業者合作示範"},{"start":3425.06,"end":3450.645,"text":"三、評估調整金融監理沙盒機制七、研議現實世界RWA代幣化後續將以債券、基金為標的研議推動事宜八、研議開放金融業辦理虛擬資產保管業務並舉辦相關主題式的業務事辦九、發布金融業運用人工智慧AI指引鼓勵金融機構發展金融科技專利技術並提供授權"},{"start":3452.325,"end":3463.95,"text":"六、落實永續金融驅動低碳轉型主要工作如下一、強化永續揭露規範二、完成本國銀行辦理氣候變遷情境分析作業規劃"},{"start":3465.569,"end":3490.348,"text":"三、發布金融業房票率參考指引四、公布第三屆永續金融評鑒指標五、發布綠色及轉型金融行動方案六、研議發布第二階段永續經濟活動認定參考指引七、擴大永續發展債券市場規模八、建置淨值治理報告數位平台及ESG數位平台建置產制永續報告書功能預計114年正式上線"},{"start":3493.49,"end":3516.545,"text":"有關延長調降當日沖銷交易稅之稅事支出評估報告等部分本會於今年的3月29日召開公聽會與會學者及證交所等單位建議當沖降稅延長實施行政院於9月12日審議通過延長三年財政部於9月26日覆評通過本案稅事支出評估報告"},{"start":3517.286,"end":3523.561,"text":"本會議於9月30日正式將上開稅事支出報告及公聽會會議含送大院併案審查"},{"start":3525.334,"end":3551.012,"text":"為建立安全與發展並進的金融市場本會將循序依本報告所提六大重要施政面向持續強化金融韌性、健全市場秩序保護消費者權益及落實普惠金融打造臺灣成為具有臺灣特色的亞洲資產管理中心推動金融科技發展等五策略亦透過綠色轉型金融行動方案引導帶動產業永續發展"},{"start":3553.683,"end":3579.495,"text":"以上報告若未盡上期委員提供寶貴建議指教並祝各位委員身體健康萬事如意謝謝好謝謝主委現在開始詢答先做以下的一個宣告每位出席的委員花言時間是8分鐘必要的時候都延長2分鐘每位列席的委員花言的時間是5分鐘那我們今天上午10點截止登記花言"},{"start":3580.555,"end":3591.497,"text":"那本日會議的委員若有相關的一個修正的一個動議請敬送主席台收件現在我們依登記的一個順序請登記第一位林德虎委員質詢"},{"start":3613.096,"end":3628.788,"text":"是不是請金融監督管理委員會彭主委主委請委員長主委你好主委我請教因為對於台新金、中信金、騎搶星光金"},{"start":3633.94,"end":3640.803,"text":"媒體報導是合意對上非合意的併購圖顯併購法規不足並且表示金管會將檢討"},{"start":3650.866,"end":3662.437,"text":"這個金控轉投資的管理辦法以下我想有幾個問題要請教彭主委據了解金管會似乎要研擬提高公開收購門檻那公開收購才"},{"start":3667.182,"end":3689.901,"text":"這個全部都現金是否納入法規等兩大方向依據明年上半年來出爐那我請問主委併購法規嚴謹會不會增加金融機構大型化的困難度是報告委員我想這個有關金融機構的整併還有金控的整併其實上都是我們國人關切的議題"},{"start":3690.862,"end":3707.647,"text":"那從這次的案件裡面我們也看到上一次的委員會裡面也有委員說我們現在的金空投資管理辦法裡面有些文字上面並不是很明確的部分比如說剛才提到是否要調高我們從原來的所謂的那個公開收購的門檻"},{"start":3708.817,"end":3734.324,"text":"那確實我們從這裡看到假設說我們今天在整個金融市場整併上面的話如果在一個沒有一個公司這個民主程序完備的情況之下確實比較容易產生這樣的一個看法所以我們正在研議是否就是說根據這次的案例我們能夠來把這些很多的法規把它明確化然後也把它按照我們國內實際的需要我想"},{"start":3734.884,"end":3755.812,"text":"我們支持金融這個優良診病的立場並沒有改變那你認為要是如果不會那請告訴本席理由如果會的話換句話說是不是會造成國內金融業未來這個走向國際化、多元化、創新化接近這個牛部化會不會"},{"start":3756.412,"end":3784.107,"text":"其實不會啊其實若委員有注意觀察其實國內從假設我們以金控開放20年這個歷史來看其實我們臺灣整個透過這套制度整個金融機構的規模、實力還有他們的運轉的體質都有很明顯的變化而且如果看我們現在金融機構不管是新南向或是向全世界擴展我們其實金融業的競爭力正在強化中當然我們還是希望我們的金融業能夠有"},{"start":3784.907,"end":3796.656,"text":"在國際上更有競爭力的實例銀行局莊局長表示在這次中信金公開收購星光經驗來看過去調降公開收購門檻從25%降到10%可能會造成金融市場的紛爭"},{"start":3811.368,"end":3839.642,"text":"有必要這個朝調升這個方向來檢討那我請問主委這個拉高公開收購門檻是不是降低金融市場紛爭維護金融市場秩序的不二法門當然維護市場秩序是多面向的但是股權如果說能夠在達到一定的控制力的時候當然去整合公司的意見整合這樣一個股東的意見是有"},{"start":3840.222,"end":3855.834,"text":"是有絕對的幫助所以當我們一個股權若說此股不夠達到一個具有控制力的時候我想確實在未來在經營的爭議上我們可以看到非常多的案例這是我們比較顧慮的地方那個主委因為收購門檻多年來經過速度調升調降"},{"start":3859.156,"end":3875.141,"text":"後你認為收購門檻到底應該定調比較好還是這個要為了具備英式力導的特性採取態度來調整還是有必要"},{"start":3876.781,"end":3899.346,"text":"這個主委您請說明當然所有制度都應該要根據環境的改變但是很多基本的精神並不會變化比如說我從開始金控法開始設立開始我就參與這個我非常清楚知道金控公司設立的當時的本意是希望能夠擴大金融的整合然後能夠透過異業的結合產生經營上的中效"},{"start":3899.986,"end":3920.903,"text":"其中很明顯的在從他立法架構下面大部分都是以合議為基礎的合併跟收購我想這個過去當然是有很多政策上的改變但我們也發現到就是說實際上經過這20年的實驗我們發現說還是有一些基本的精神必須維持所以我覺得我們還是會回到比如說當初金控法的架構上面來執行"},{"start":3922.52,"end":3942.788,"text":"主委,非合意併購收購門檻提高收購方式以現金為主在這次新興併購可能會成為未來非合意併購的依循模式基於金融併購不排除非合意併購"},{"start":3943.968,"end":3957.508,"text":"的情況請問主委對於非合意併購之公司董事行為的義務以及所採的防疫措施之司法性金管會是不是也應該要考量來納入明確的規範"},{"start":3960.171,"end":3983.921,"text":"才能真正發揮經營的效率並且實質保障公司股東以及利害關係人的權利你認為要修這個行政法規還是法律你認為呢?謝謝委員剛剛提到的幾個重點比如說我們要兼顧各方利害關係人以及就是說我們必須要明確這些的規定我都非常的贊同"},{"start":3984.941,"end":4010.12,"text":"那其實剛才我們的評估是目前是可以在可能法規需要修改但是法律現在是沒有必要修改那未來就是朝著修法規對,我們很多的授權的這些的命令跟執法我們可以來隨著我們現在市場的運作的環境來調整這樣喔,麥德主委金管會統計今年9月底本國銀行對新南向"},{"start":4011.121,"end":4013.903,"text":"18國換款的餘額一兆7787億元那月增107億那累計前9月新增換款量"},{"start":4026.562,"end":4046.261,"text":"這個1932億那媒體報導在美國啟動降息的循環新南向經濟動向穩定兩大利多助攻下那本國銀行全年新增換款量可望這個突破就是2000億元的大關那對照本國銀行在新南向"},{"start":4047.702,"end":4067.977,"text":"這個國家經濟發展下換款額度的成長請問主委你認為政府6年內打造的亞洲資產管理中心有哪些條件比這些發展中國家更具有吸引力能夠讓金管會流財財是財產的財百分之百達標你認為呢"},{"start":4071.959,"end":4100.452,"text":"謝謝委員指正剛剛委員提到一個非常重要就是說剛剛委員第一個題目就是說臺灣的那個金融業市場競爭力可以從這次的新南向的發展還有向全世界國際上的擴張可以看得出來當然比如說臺灣的金融業的實力可以在其他地方發揮我們是非常樂觀其成剛剛委員也提到就是說臺灣相較於這些南向的國家有何相對的這些競爭優勢我想我在上一次的委員會的時候也有做一些說明就是第一個"},{"start":4101.132,"end":4125.263,"text":"台灣確實在民間財富還有就是我們國際我們台灣的多面向的產業有競爭力的產業上還是有很具有一些優勢我覺得我們推動各項措施能夠留住本國人的財富交由本國的金融機構來管理我覺得這是應該是一個很正確的方向主委啊不是本席說不看好更不是要唱衰政府的政策因為在"},{"start":4127.283,"end":4148.651,"text":"政治穩定及稅制優惠等優勢下新加坡不斷吸引全球富豪的資金紛紛湧進甚至於臺資銀行在新加坡的換款及存款比重都明顯成長"},{"start":4152.192,"end":4176.826,"text":"對此對比這個留財就是財產的財留在臺灣卻要面臨不定時而且不間斷地緣的壓力我想地緣壓力您看很清楚這個選擇資產外移反而能兼具高獲利和分散風險那我請問主委試著站在國內富豪的角度你認為這些有錢人會怎麼選呢"},{"start":4178.652,"end":4192.812,"text":"包委員我想上次提到這個主題的時候我也提到我們的分析就是說其實上對一個資產或資金而言它的投資有多面向那它的考慮點有多面向當然比如說陳儒向新加坡、香港以資金運動為主的"},{"start":4193.673,"end":4220.242,"text":"這些金融中心有它的優勢但是我剛才跟委員報告過其實臺灣有非常好的投資機會還有就是我們本國未來的不管我們的資本市場還有很多的其他市場的發展我覺得都具有吸引力我們是希望適合臺灣的資金我們並不是說完全要把比如說那個各式各樣的資金都要留在臺灣因為資金的需求跟目的是多面向的我們是希望發揮我們的優勢吸引我們可以吸引的資金留在臺灣"},{"start":4220.842,"end":4236.62,"text":"那個主委啊因為成立亞洲資產管理中心人才的培育、養成以及穩定性是絕對性那有網友發現新加坡招募啊這個洗碗工喔這個月薪高達那個薪波"},{"start":4238.862,"end":4255.02,"text":"新加坡波幣3,250元差不多折合新台幣差不多7萬9千多差不多8萬塊左右相比臺灣薪資物價環境我請問主委薪資過低的情況人才都沒有辦法留住了你認為"},{"start":4256.662,"end":4271.219,"text":"錢財又憑什麼能夠留住還是你認為我們資產管理中心的薪資結構應該和國內薪資環境脫鉤必須有相當程度的差異這樣才能夠和其他國家一較高下的機會"},{"start":4271.9,"end":4300.794,"text":"所以剛剛委員的那指正是我也最近有看到一些節目介紹臺灣的年輕人到新加坡工作的這些的那個分析但是呢他們其實也有反映說其實雖然薪水高但是生活成本也非常的高而且他們也有說若有機會的話臺灣有機會他還是願意留在臺灣所以我剛才講我們推出了很多計畫比如說大股市計畫、大投信計畫這些我們都希望我們的金融業趕快趕快的成長起來提供更好的機會留住我們的年輕人"},{"start":4301.474,"end":4328.745,"text":"當然我認為留財是很重要那因為我一直最近在觀察其實現在很多年輕人很麻煩因為他們你看跑那個就是做服務業Uber、Uber E甚至於這個反正只要這個有技術的方面他們都不去學那幾乎都是服務業所以說現在很缺工到處缺工而且非常非常的嚴重"},{"start":4330.333,"end":4344.521,"text":"你各行各業都缺工那這個就是跟我們當初整個教改以後衍生出很多的問題出來當初很多職業學校都匯除了結果都讀高中讀大學讀到最後"},{"start":4345.521,"end":4369.787,"text":"你到學以後他們要學技術沒有了啦這是很嚴重的問題所以說現在喔到處缺工啦而且技術工喔越來越嚴重啊你請國外的進來這個也是有很多的問題啊我想我這些做您的參考啦因為這個未來應該要去重視啦是謝謝委員的指正謝謝好謝謝德國委員接著我們請吳秉瑞委員質詢"},{"start":4385.083,"end":4405.846,"text":"主席麻煩請金管會彭主委好請彭主委委員長主委今年9月你有在虛擬資產專法制定進程的報告是揭示說有四個階段其中研究團隊9月底提出期末報告"},{"start":4406.727,"end":4425.159,"text":"提出了嗎提出來了有符合你們的需求嗎我們正在研議相關的內容其實我們在整個專案的過程當中不是等他的報告出來才跟他討論我們整個過程我們的同仁全程參與一起跟我們這些專家老師們一起討論我們現在已經草案大概有初步的架構"},{"start":4425.953,"end":4451.058,"text":"不是自然也要舉辦公聽會嗎對接下來我們排定我們內部先做好我們的公聽會會在明年初開始一系列開始進行公聽未來的即6月報給行政院草案專訪就是我們現在包括我們現在去跟相關的這個關係團體討論的時候已經開始在對未來公聽去做做這樣的預先的討論我想我們會按照我們所承諾的時間一定會"},{"start":4453.038,"end":4478.268,"text":"按照6月前把我們的定稿送進行政院因為美國現在在大選再一個禮拜就投票了是的看起來川普當選的機會蠻大的當然川普的政策上面他對這個虛擬貨幣的虛擬資產他是採取比較開放的政策是的所以這個是不是會造成影響所以我們的速度上面是不是應該要如果能的話要盡量加快那個"},{"start":4479.128,"end":4481.15,"text":"現在有26家VSP的這個記者在公會裡面那你對他們的這些"},{"start":4500.049,"end":4520.826,"text":"能夠來參加的他的條件跟他的一些他的這個有沒有什麼樣的限制我們現在對於他們現在是我們第一個很重要要把他們分類因為他們不同的種類大小差很多對大小還有他們做的內容比如說有些是交易平台就我們習慣的交易所有些只是一個交換商有些只是保管商那其實他們的"},{"start":4521.647,"end":4525.728,"text":"主要是要花很多時間在這上面要去思考因為畢竟未來它會直接影響到我們的市場那目前這26家有沒有什麼樣子的"},{"start":4539.966,"end":4568.068,"text":"除了NEXT什麼抓捕嗎還是都沒有都很好其實我們今年還會再對他們進行更多的檢查因為我們其實上已經開始對檢查我們也提出了他們過去一些相關的這些的缺失那如果說待會如果我可以允許我可以請檢察局長跟您報告一下最近他們大概查到有些什麼大概比較一般性的問題然後大概我們這個部分因為我們也非常謹慎我們陸續也會按照我們的表定計畫加大我們查核的範圍"},{"start":4568.851,"end":4595.119,"text":"另外我是要求一項就是我們要注意這裡面有沒有中資的資本混入所以我們在審查的時候呢我們一向都有相關部門因為會有一些會偷渡到其他的那個避稅天堂或是轉到別的地方的資產其他的國家去然後再進來臺灣因為有很多背後會被懷疑有中資的立場像之前在美國被罰的那個不是"},{"start":4596.348,"end":4616.699,"text":"就是他的幕後老闆其實是一個中國人嗎?確實有這個案例,對而且罰金很重,我們也要注意防範這些事情我們其實對這個包圍,其實我們對這個都,因為其實我們對這個只要是境外的申請,我們大概都會有一定的程序,我們會高度的關注這個議題"},{"start":4617.913,"end":4642.752,"text":"目前都是主要靠26家的自己自律工會自己自律現在這一階段的部分我們現在除了這個自律我們現在馬上要實施的就是11月30號公告的那個登記制那就是另外一個更具有法律強制力的管控措施那現階段還沒有生效之前確實現在是靠自律規範還有就是我們相關的指引在進行"},{"start":4643.578,"end":4659.294,"text":"那你剛剛講檢察局那邊說有些案例,但是那個會不會佔用很久的時間啊?你有沒有簡單說明一下?各位委員報告,我們今年大概會對6家的RESP去做相關的精檢那已經從11月開始就會陸陸續續排定"},{"start":4660.794,"end":4686.553,"text":"我剛剛講是說有沒有什麼問題不是說你要那個在112年我們精簡的過程裡面我們最主要發現有四大類型的一個缺失包括他沒有去落實他的KYC那還有交易的監控事實上是不足的那另外呢也有發現他留存交易紀錄的部分是沒有很完備那最後一個部分他是各自保護的問題那沒有做的很落實大概有這四大類的缺失好謝謝喔"},{"start":4688.214,"end":4712.324,"text":"黃志偉這樣聽起來還是有很多的問題啊對他是一個行業所以你光靠自律是不行的對所以我們接下來就11月30號那個就是我們那個打造專法通過以後有關洗錢那一塊登記制那實際上這會很強那我們在專法的時候呢我們除了剛才講是行為的管理我們接下來就進入到機構的管理這部分就會更有系統性更明確化的規範"},{"start":4713.865,"end":4740.079,"text":"臺灣這26家大小不一但是就算最大的在世界看起來還是很小所以其實這個虛擬資產的交易目前主要是在國際上面那因為國際現在有一些比較大的交易平台你的希望就你主觀的想法你是希望如果他在臺灣有做交易主動要求他要來臺灣設據點對交易人比較有保障你比較能監管還是你是被動開放他們來"},{"start":4742.061,"end":4764.1,"text":"這個他們來希望他們主動來跟你表達落地你再來管理他們你是希望是要主動要求還是要被動的開放呢其實確實喔這個虛擬資產的交易是全球的因為它是在網路上進行我們當然希望一些良質優質的這些業者能夠來臺灣我們能夠在我們的法律規範下這可以保護更多的國人"},{"start":4764.72,"end":4783.425,"text":"但是通常這個會兩難假設我那定很嚴的話他其實上就直接這是一個自由交易的這樣一個過程但是我們也透過其他宣導的方式我們也不會說因為說你在海外就是這樣畢竟我們對國人而言我希望你在我們可以管轄的範圍之內進行這個交易所以你的宣導方式跟上因為網路無國界"},{"start":4784.345,"end":4803.543,"text":"你要虛擬說如果這些國際的大的交易平台在臺灣能落地那你在臺灣落地之後你要本身如果臺灣的國人有投資的需求在上面做這些虛擬市場的買賣你比較能夠獲得保障至少臺灣的法律可以保障你是不是應該要多做這一方面的宣傳那如果在這方面的宣傳的時候還是回到剛剛的問題啊"},{"start":4805.585,"end":4823.866,"text":"這個比較多國人在使用的平台你會主動要求他落地還是被動的他願意落地你再開放他再來審查他這兩種態度不一樣喔是,是委員講的沒有錯就說實際上因為我們當然假設第一個是我們主動邀請一個就是我們就是被動的篩選"},{"start":4824.967,"end":4852.014,"text":"這是兩個其實我們還是站在一個優質就是說我們通常過去在對開放的時候我們比較少去主動去邀請人家因為他是看臺灣有這個市場我們基於一個監管單位我們會嚴格的看他是否具備條件但是原則上我們還是希望說能夠在我們的管轄之下因為國人畢竟還是大部分在我們管轄他比較高的信任我們也比較容易一些保護措施比較容易給予這些人"},{"start":4852.874,"end":4872.294,"text":"我舉個例子公用計程車UBER那以前本來在臺灣他不願意落地後來政府要求他落地所以這個東西要考慮這個第二個將來如果越來越多人投資這個領域之後你希望的是讓他們分散自己個別在這邊公司交易還是要集中有交易所"},{"start":4873.415,"end":4900.752,"text":"這個交易所公部門公權力要介入的範圍到哪裡如何讓它公式公信能夠公開那如何政府在這個交易裡面以後可以收到一部分的稅金這個事業你們也要考慮在內這個確實是我們在內部討論的重點因為確實我們覺得說未來市場的發展我們不是只看這26家我們是考慮到國際的競爭以及臺灣這個產業未來要怎麼樣定位跟發展所以剛才委員剛才提到了有沒有辦法大型化"},{"start":4902.113,"end":4928.307,"text":"可以把它更規範化這件事情對市場秩序這是確實我們在考慮的重點也謝謝委員的提醒我覺得這個要考慮在內因為這個東西既然已經是國際化你如果能夠拉回到本土落地然後在臺灣能夠有比較好的交易的這些規範甚至讓政府也可以抽到稅對臺灣、對投資人都是一件好事所以這個都是必須要考慮的謝謝你願意納入考慮我現在提一個個案"},{"start":4929.307,"end":4949.447,"text":"最近期貨公會對於那個70歲以上的人你們說這個70歲以上的那個投資以前你只有同意專業投資人跟一定的資產以上的那就等於等同認為他是專業投資人才可以做70歲以上這個期貨的投資嘛那你現在把這個解禁了讓一般70歲以上的年紀的大的人"},{"start":4950.526,"end":4975.088,"text":"因為會去通知期貨有時候不是只有他自己主動意願有時候是被動、被邀約、被廣告拉進來那年紀大的人70歲以上如果他沒有這方面的專業能力那你以後都光靠這些自律光靠這些期貨商的自律這樣子有辦法嗎你認為這樣子的政策是對的嗎"},{"start":4977.249,"end":5005.062,"text":"確實陳主委員提醒的就是我們過去在基於一個就是說用一個年齡做一個區分那其實我們也觀察到了當然年齡當然是一個集體的表徵但是其實很多人他其實在某個年齡以上比如65歲以上他其實並沒有在很多地方並沒有衰但是我們在政策上卻不做任何的區分一律予以這個排除我想在一個金融的這樣的服務上面我們也是非常的"},{"start":5006.703,"end":5034.199,"text":"這個審慎的拿捏我們只是說要求我們的這些業者不要以完全以年齡作為區分比如70歲以上就完全不准做任何事情我希望他們更…不是喔他原來的政策是70歲以上你如果原來就是專業的投資人你本身就有撤足到這個期貨這個領域或是你的資產到達一定的規模因為你那麼大的資產你來投資應該是比較相信你會有審慎的考慮嘛是本來不是不准"},{"start":5035.22,"end":5058.405,"text":"是有條件的准許但是你現在變成完全由這個交易的這個來這個KYC來認識客戶然後由工會這邊來處理讓證券商來處理證券商當然希望能夠做越多生意越好但是這時候你要注意有沒有受到邀約引誘然後投到這個領域裡面來他對這個東西是不了解"},{"start":5059.085,"end":5083.678,"text":"不是那麼了解的人突然之間進到這個領域裡面來他能夠好好的處理嗎沒錯這是我們監理官應該做的我們剛剛講說我們其實最簡單的做法就是幾歲以上禁止其實上我覺得這個在未來比如說我們高齡化社會來到的時候我覺得我們就要更細緻的考慮剛剛委員提醒我覺得我會請我們同仁不會是以這個就是特別是未來有些不當交易的這些部分我們會好好來做這個把關"},{"start":5084.679,"end":5112.385,"text":"那不然另外一個要求就是說如果是這樣子的話被你用客戶認識客戶的人自己他們這個期貨上自己去處理的話那如果有違規的話你是不是要加很多倍的重罰對,如果有不當的這個勸誘誘引的話不適合沒有落實KYC因為我在這邊13年了我們非常多次的金融風暴都是期限的監管不到後來沒有想到那麼多或是比較自由化就有人就利用這樣的漏洞"},{"start":5113.005,"end":5124.073,"text":"產生了問題之後集體化之後就變政治問題這個是要先考量在前面謝謝委員提醒我想這部分我們剛剛局長也聽到了他應該回去我們會來趕快來研究這個問題好謝謝你謝謝委員的提醒謝謝好謝謝秉瑞委員接著我們請賴思寶委員質詢"},{"start":5141.529,"end":5165.41,"text":"謝謝主席議席各位先進有請就位的彭主委好請彭主委委員早辛苦了主委我們看到這兩天川普他一副要當勛的樣子現在看起來民調對他越來越不利但是昨天你放了一個炮"},{"start":5167.267,"end":5187.534,"text":"講說 又講第二次喔 說臺灣偷了他的美國的晶片業這個 他這話一講啊 昨天台積電就暴跌啊臺灣的股市也暴跌到今天回來了 然後 這個話 我就請問你啊"},{"start":5189.683,"end":5199.714,"text":"現在來講的話如果川普當選是不是對我們的晶片業比如半導體乃至於科技業非常不利會不會"},{"start":5201.355,"end":5224.714,"text":"先跟委員抱歉一下我不是個股市分析師對於這個事件其實我們有非常密切的關注包括我們有跟我們兩個交易所還有我們旗局的同仁都有密集的去研商相關不管任何結果的發生我們的資本市場應該如何因應相關的一些作為"},{"start":5226.695,"end":5250.594,"text":"這個都是有可能的那個結果的話我們都應該想像一下就陳儒剛剛委員指正就說昨天那個只是一個新聞然後就這樣但是我覺得市場還是有他理性的一面就是說他當然消息的衝擊難免但是覺得假設真的是有他實質的支撐我覺得還是會回歸到他真實的狀況可是為什麼消息我們都知道嘛"},{"start":5252.194,"end":5280.481,"text":"這個股市的消息面他一定是為什麼變成一個重大影響他變政策啊川普當選的話那機率越來越高看起來他當選的話他對臺灣來講的話他就要把晶片業通通到美國設廠對臺灣來講的話他一直在修理臺灣的晶片業那倒不是利空當然是利空啊而且利空不會出境啊他當選你要利空才開始的"},{"start":5282.842,"end":5293.99,"text":"那這樣講你同意嗎因為我剛跟文抱歉就是我們今晚會倒不會是針對這個我們是針對整體市場的沒有啊這整體市場啊這產業我不跟你講股市我只跟你講對產業的衝擊"},{"start":5296.827,"end":5319.685,"text":"對 就是說確實我想從我們從整個我們這個對資本市場一些的訊息的監控裡面這樣那個訊息確實會對我們的資本市場會產生影響這是不可否認的那我再請問你你剛說的營運的對策也就是說你有營運的劇本嗎 對不對因為我們一直都有都有 好 那如果是這樣子"},{"start":5321.96,"end":5348.069,"text":"你能不能name of field講一些比方說你的意義是什麼讓我們安心一下吧來講一下name of field資本市場他有很多面向啦剛才沒有錯沒有啦你就specific針對川普當選你的劇本是什麼啦這樣啦快點啦這公開來講我公開問你的啊可能我想這個部分都會影響到市場我想"},{"start":5349.948,"end":5371.847,"text":"這個委員抱歉我沒辦法在這邊跟各位講我們具體說怎樣我會採取什麼動作我想過去一直也沒有對外說明這是我們一個行政機關該有的準備作為好那我再換一個角度不要談這個那你就講因為這美國不管誰當選對我們的資本市場絕對是一個重大的一個政治上的衝擊對不對"},{"start":5373.248,"end":5398.001,"text":"是,不只誰當選,還有他的很多的利率政策還有他對我們的一些貿易的相關的...好,那就請問你,那你的因應對策是什麼嗎?你這個到現在不願意講,那我就撇開不要講川普,你的因應對策是什麼?我想齁,我們過去在這個半年來,其實臺灣的資本市場面臨到...沒有沒有,你不要跟我這個鋪陳啦,我實際有些人就告訴我是什麼比如說我準備更多的銀子"},{"start":5400.302,"end":5424.517,"text":"來護盤或者其他什麼的你告訴我們啊讓我們安心一下啊就是說我們其實過去在因應市場非理性的波動的時候我們一直都有一些因應的措施以及相關的步驟我想這個大概就是我能跟委員報告的地方假設它是一個很理性的反應市場的狀況的話我覺得這部分是一個資本市場它該有的功能但假設說已經很多消息面不正確或是一些非理性的"},{"start":5425.618,"end":5444.255,"text":"是甚麼嗎?你到現在為止都一直跟我鬧一直跟我鬧不回答勒是抱歉我剛已經跟委員報告過了很多事情我沒辦法具體跟這會影響到我們的資本市場而且現在我們的股票市場正在交易中我只想說我這個頭髮在癢你屏幕不抓一直抓我的手抓錯地方啦真的"},{"start":5445.185,"end":5459.656,"text":"沒有回答我的問題啊是就是說剛剛比如說我們舉那個你可以講嘛我們最最bottom line的因應就是國安基金啊那難道不是嗎對國安基金就是因應非理性的啊這你能說嗎什麼都不能說"},{"start":5461.577,"end":5486.587,"text":"國安基金是財政部在處理我們是管資本市場的阿你可以建議阿建議我們當然會有管道去同步在做這件事情阿因為比如說我跟委員並不是說我兜圈子我跟委員報告比如說我們曾經在8月5號發生的一件事情就是我們史上最大的跌幅在前一天我們也將近1000點臺灣的股市很少在兩天之間"},{"start":5488.963,"end":5495.855,"text":"我們做過很多的預言跟推演所以我們包括後面很多事情我想大家都可以看到我們後來我們做了什麼事情有些"},{"start":5497.143,"end":5499.184,"text":"對外有限公司對外有限公司對外有限公司對外有限公司"},{"start":5526.472,"end":5545.966,"text":"就那幾個嘛 對不對 我的漲跌幅、處理漲跌幅 對不對這個就是那幾個工具嘛 大家也知道我是要叫你免RFU 你就RFU就不要耶 來來來 所以沒有答案就對了沒有答案但是我今天不方便跟委員報告 就是剛剛委員提到說我們有的政策工具我失望了 這樣說我失望了"},{"start":5549.609,"end":5564.859,"text":"來我們來看喔你現在有沒有開放專業投資人可以富如同賣、賣比特幣、ETF上次有報告過我們現在是開放可以做這件事情開放專業投資人嘛對不對專業投資人專業的投資人那什麼時候開放給一般投資人"},{"start":5571.821,"end":5592.995,"text":"這個齁我覺得這個沒有一定的時間表因為其實我們社會上有兩種意見一種是說給大家期待啊那不是嗎為什麼提這個因為大家認為川普如果上來比特幣比特幣最近的這漲了才是因為因為川普的後勢看好他就在往上拉是沒錯對不對啊所以有些人想要欸我們投資紀律這樣也不行"},{"start":5595.156,"end":5614.147,"text":"其實應該講跟委員報告就是說我們這個是逐步開放其實很多國家連這個都沒辦法做那我們是先從專業投資人他風險承受力比較好的開始我們也必須看他執行的成效你可是有觀察期嘛那個觀察期多久?半年?我想觀察期的話半年可以嗎?"},{"start":5614.867,"end":5631.848,"text":"半年可以是一個觀察點只是我們還是要看他的交易量還有交易的關係所以半年以後再決定要不要開放給一般投資人我們隨時可以評估假設我應該提到我們給半年來評估他的實施結果我可以這麼承諾就半年我會來評估一次"},{"start":5632.529,"end":5647.911,"text":"半年來評估要不要開放給一般投資人可以這樣說反正我們來評估真正執行的成效看看確實是否對這個我們的投資人是否真能夠完全能夠了解再過一兩天啊"},{"start":5648.972,"end":5669.866,"text":"在臺北有Fintech展金管會的角色是什麼這是我們跟金融總會跟金融業兩年一度的國際上非常重要的這樣的活動主要是金融總會的辦理我們來指導單位你會去嗎我們通常主委開幕一定會去所以你去講話你要重點在哪裡"},{"start":5671.144,"end":5692.522,"text":"跟我們講一下你講我重點是什麼先透露一下啊!這樣也沒有!剛才也沒有!這也沒有!給你吹嘘一下也不要!這麼客氣啊!謝謝委員給我這個機會啊!對啊!給你吹嘘一下啊!先把我的講稿預先的跟大家做報告你看我對你多好!讓你先溜一手!我讚耶!重點講一個就是重點!一個重點!"},{"start":5694.443,"end":5707.254,"text":"我們立場第一個就是我剛剛有簡單報告我我們鼓勵金融科技的發展希望金融機構跟金融科技網路銀行現在看起來是市場上短期沒有這個需求所以不要開放如果有人申請呢?"},{"start":5722.626,"end":5730.625,"text":"我們其實並沒有說禁止我只是說這個屬性其實我們還是要觀察市場的金融法人的結果你們"},{"start":5732.113,"end":5752.614,"text":"金融沙盒金融沙盒條例確實很多地方需要調我們也有委託這個委外營就做一個還要再調整金融監理沙盒我在很多場合就說比如說我們的落地機制那其實上是需要調整的因為否則它的誘因是比較不夠的好 我們一起來調整金融沙盒最後一個那個交易所的長官你其他人有嗎"},{"start":5756.601,"end":5758.582,"text":"財政委員會財政委員會財政委員會財政委員會財政委員會財政委員會財政委員會財政委員會"},{"start":5772.577,"end":5787.647,"text":"交易額多少交易額的部分來講我們基本上現在是國際的探險的交易國內的是剛啟動而已那我們交易的金額基本上來講的話大概是一兩千萬"},{"start":5789.293,"end":5798.846,"text":"這等於沒有啊這等於這個市場等於沒有啊這問題在哪裡那就是因為你臺灣的廠商沒有讓他進來啊對不對沒有讓他一個他應該要進來啊現在來講已經要課碳費了"},{"start":5804.353,"end":5825.29,"text":"要大家開始來熟悉這個東西結果你現在來講的話你的探交所只有國際上探權在那裡買賣嘛啊公司在那裡等你一個籌碼讓你可以股票市場裡面可以交易買賣對於臺灣的廠商真的需要探權的或者我想賣的"},{"start":5826.411,"end":5842.161,"text":"你有沒有提供個平台啊有,報告委員什麼時候開始沒有,我們現在已經在10月我們在高雄launch了這個平台我們初期的時候有6個商品國內的探險的商品在架上"},{"start":5843.491,"end":5859.861,"text":"我時間到了,但是我就問你一句話是不是全面開放我們當然是全面開放國內的探權的supply他如果有一些project經過我們環境部的許可的都可以上架來在14天的公告期裡面"},{"start":5861.343,"end":5879.114,"text":"一般的股份可以賣到嗎還是企業界還是沒有嘛還距離有一段距離啦對對現在因為我們10月才開放什麼時候可以開放到一般股份可以參加我們先是不是先從華人開始市場要先開的大啦一兩千萬要一天一兩千萬這麼小好不好謝謝好謝謝好謝謝那個司法委員好謝謝委員接著請郭國文委員質詢"},{"start":5900.308,"end":5902.801,"text":"謝謝主席 有請彭主委請彭主委"},{"start":5907.583,"end":5929.922,"text":"委員長主委好主委那個最近我們金管會有想要加速監理這一個虛擬貨幣的業者然後要把洗錢法相關的執法提早到今年的12月我覺得這是好事情這簡單的講就是提早納管但是既然有上個禮拜還有立委說叫金管會不要上路我實在很難理解這個邏輯"},{"start":5931.463,"end":5945.396,"text":"那我認為你要提早上路的狀況的話最關鍵的原因在哪裡呢我覺得有一點阻力的地方在於銀行工會在去年有通過一個自律規範這自律規範當中呢它基本上呢"},{"start":5948.438,"end":5974.456,"text":"執行之後就有聽到許許多多業者來說呢被停戶啦不給開新戶啦無法增資我不曉得你曉不曉得也許銀行局長也會知道這種狀況在這種狀況底下呢因為我們在整個洗錢防治法通過之後我們有要求業者必須開立兩個帳戶一個是財務帳戶一個是業務帳戶如果這種情況底下不能開的話那要如何納管"},{"start":5975.617,"end":5990.616,"text":"執行端不配合那你的執法再怎麼定母法再怎麼快速的通過執法再怎麼提前那要如何落實主委是這個當然就是說銀行他根據他們的自立規範他會判斷說這家公司的品質"},{"start":5991.437,"end":6008.466,"text":"他決定要跟他往來這個確實是銀行在實務上當比如說今天如果說他們今天是沒有很明確的理由然後就全部不開這個我們通常會介入協調我們在過去的時候有很多的案例不只是VASP我們像比如說現在P2P主委我認為這是時間差啦"},{"start":6009.787,"end":6022.916,"text":"銀行工會銀行工會的部分是在2023年11月底的事情那現在我們打詐的部分陸續修法是今年下半年之後所以在這個部分我們有打詐這個專法的這種情況底下你應該讓這個自律規範適時的予以放寬他如果沒有納管"},{"start":6029.761,"end":6055.612,"text":"基本上你沒有給他有賬戶的話你也查不到他的金流嗎主委是不是當然就是檯面化是我們管理很重要但是就是銀行他自己有他自己的風險的空管這點委員我可不可以請銀行局長簡單回答一下我沒有什麼時間啊銀行局長我相信他專業會給你做一個完整的報告但是我只有一個要求既然執法要提早上入12月那你就應該把這12月的問題在12月當前解決"},{"start":6056.432,"end":6080.536,"text":"不要變成執法上路結果實務上執行端卻出了問題可以嗎對我來瞭解一下假設他真的是有這個困難瞭解一下好不好那上週我就教於您的部分有說你上次提到所謂的這個資產管理中心的這個部分說要壯大投信的部分要把這一個這個類權委的部分這一個開放"},{"start":6081.256,"end":6105.612,"text":"這一點本席去了解一下因為跟你們所知拿不到我們自己查了以六大受選公司的這一個內全委的委託我們大概初步估計了一下月月佔整體的這一個投資型保單大概超過一半以上然後另外內全委的這一個商品根據我們的統計大概237項之多其中有66%將近7成都是委託給這個外商投信"},{"start":6110.695,"end":6138.457,"text":"也就是說這外商投信呢他在右邊的這個圖案當中只能投資什麼境外基金跟ETF那譬如講摩根、斯洛德、富達等等每一個壽險跟他圈的都只能投資境外那我問你啊你的壯大投信是壯大本土投信還是壯大外國的投信啊我們當然是壯大本國的投信對啊,比例上現在都是在都是給這境外基金ETF啊"},{"start":6139.517,"end":6149.654,"text":"對不對所以就是等於把臺灣人的錢推到國外而且這些啊都去買垃圾債這些啊都是投入新的市場都是高風險"},{"start":6151.67,"end":6179.691,"text":"你把臺灣的資金推到剛風險委員這其實有點小誤會啦其實我們剛才講雖然我們是要壯大本國的資產管理業當然我們剛才講本國資產管理業剛才做這些事情他也沒有限制這不是說只有本國的外國才可以去沒有我沒有說外國可以喔如果外國可以就百分之百一部分你們一部分的這些六大受險都是下放給他旗下的一些那個基金的代鈔代鈔的那個公司啦就是簡單的給他們自己的投信啦對那"},{"start":6180.952,"end":6205.811,"text":"這個我沒有說不可以啦他是壯大自己的金融機構那本來無可厚非但是其他人就跑到國外去了嘛這是第一啦第二個你的資產管理中心的任務不是要留資嗎是的阿就把資金推往外呢而且是高風險的曝險呢這根本是矛盾的事情嘛主委是所以說這個東西你要去思考一下喔這我一定會來思考2022年我唸給你聽啦境外基金當中很多還投資什麼恆大恆大地產"},{"start":6208.593,"end":6231.751,"text":"投資什麼?還投資什麼?碧桂園這兩間都倒了啊當初這些錢都被沖銷掉了你知道嗎?真實的狀況你不一定了解這個其實我們都有在監控不過剛剛委員提到沒有錯確實有投資恆大、碧桂園不過相對的金額並沒有是一個很顯著的就是有這些投資標的嘛就倒掉了嘛這樣已經被沖完不然你去把它找出來嘛那主委"},{"start":6232.932,"end":6262.052,"text":"我就跟你講念一段話曾經有一位教授他姓彭彭教授他在2022年4月1號的時候對這投資保單大賣的時候有投書這個彭教授所吸收資金後的委託他業進行投資這是否是保險所鼓勵的除了導致基金全部轉往投資型保單商品之外在引流這一巨巨大的民間油資去處時是否應該有更明確的方向跟做法"},{"start":6262.752,"end":6288.005,"text":"都是在把這個投資型商品的銷售熱潮下應該要好好的審思主委你對這個彭教授的內容有沒有感受到有熟悉感阿有阿這是我一向的主張對這是你一向的主張阿你的主張是這樣子阿你的這個具體的解決方式是怎樣子你難道要把台灣的資金任由外資這樣子牽著鼻子走跑來跑去嗎當然不是當然不是我剛問"},{"start":6288.945,"end":6309.431,"text":"跟我們報告的意思就是說我會寫那篇文章主要是提醒就是說我們要均衡就是說我們今天的保險的功能它本來就有一個這個投資金保單它本來就是兼具有投資的功能它本來就是這樣但是另外還有一個保障的功能對不對那我只是說我們通常在景氣的時候呢很多保險公司呢大概就會以這個為主"},{"start":6310.191,"end":6329.573,"text":"那其實上要考慮到未來當不景氣的時候這個其實上是未來可能有設計風險你這個說法你就是對這個投資型保單感到高度的質疑嘛你是點到為止而已嘛他有兩面性他有兩面性對你有兩面性啦對啊你包牌的寫法啦我沒有說啦因為損益是由客戶來致富啦"},{"start":6329.893,"end":6353.709,"text":"這是一個他很重要的特徵我必須跟你說啦你上個禮拜比較直接了當的說這是美喬商會跟歐洲商會在找人來遊說啦我跟你說這個遊說的人不只是美喬商會跟這個外商而已啦還有包括你們內部的人啦你們內部人的立場其實跟這個外商都站在一致的立場他拼命的遊說啦"},{"start":6355.35,"end":6377.699,"text":"我不要講說誰啦以前在政企局啦現在保險局啦你要搞清楚啦這也在考驗你的領導統一的能力啊是謝謝委員提醒你們後面金管會員有在笑啦沒有我想主要是這樣因為其實站在一個政府立場我們不只哪個哪個單位或機構團體他的提的建議我們都會考慮但我們不會"},{"start":6379.339,"end":6406.466,"text":"投資人的錢很重要金管會最重要把關者就是你保護投資人把他推進火坑好不好當然當然這我們會來努力你如果真的要壯大投信的話也不是壯大國外投信要壯大本土投信要壯大本土優質的投信你之前有提過壯大投信要從什麼開始從你們自己提到的躍進計畫開始啦你們躍進計畫從2015年就有了最近呢今年又有做一些修改簡單的講要精進啦對"},{"start":6408.126,"end":6433.831,"text":"目標要分期管理第三要差別待遇你把期投資的平等應該稍微放寬一下不要每一次每一個投信單位都只有一個你應該把級距稍微拉高表現好的我商品你提出的商品我加速審理或者把那個額度提高鼓勵鼓勵啊正常壯大投信壯大本土投信壯大本土優質的投信啊不是嗎是的"},{"start":6435.168,"end":6463.621,"text":"那你這個基金計畫要好好改一改嘛我們其實一直都在調整啦剛剛委員的指正我們會期讓大家投信你沒有把資金留到臺灣結果把資金拱手讓人去進行一些高風險的商品的操作那怎麼對我叫你這個好好檢討啦我真的反對你這個把這個這個內權委開放啦最後我再跟你討論一下齁有關於這個這個南非幣的事情齁我上禮拜請教於你了你有沒有想到什麼好的因應方法"},{"start":6464.788,"end":6492.185,"text":"現在當然就是說我已經有指證我們就去先把這個所謂的曝險部位我們先做一個瞭解再去分析他們的屬性以及看看他們的到底會有多大的影響到底這是一個什麼樣的影響比如說我們知道銀行跟保險跟證券那當然現在是以證券的金額是佔比較多你們之前公布的金融商業有641億的公債南非必計價的基金有2265億但是少"},{"start":6492.825,"end":6508.138,"text":"作為計算本期幫你加一個是投資型的保單368億再加上這個南非幣的存款這是我是從央行這邊調來的總共是4216億總額是這樣子的部署金額高達4000億以上這是其一其二你要怎麼做"},{"start":6509.639,"end":6538.354,"text":"我講白點我跟你探討一個問題啦這個問題其實是過去常常提到外交就是所謂的金錢外交我覺得要如何形成一個金融的外交台灣的金融實力可以作為一個外交一個很重要的槓桿的一個武器啊你身為這個主委你應該要善用我們的金融實力啊所以我上週特別提醒你這一點你說你沒有注意到那我給你一個禮拜的時間你還是沒回答出來還是要跟我回答資金的規模資金的規模跟我估計又不一樣"},{"start":6540.174,"end":6561.819,"text":"可以怎麼做?我們假設我們商品先以風險處理為先那接下來我們來看說因為假設看他的政情變化我們怎麼樣去因應這個措施至少我們未來對這個商品的發行或什麼我們會有一些不一樣的看法發行有不一樣的看法?就緊縮?限制?當然未來可能就是未來那現有的呢?"},{"start":6563.039,"end":6579.797,"text":"現有的部分它很多都是有相關契約的規定有沒有可能南非幣計價可以改成美元計價有沒有可能這個當然是契約當時的約定啦我想是這部分可能那你去看看嘛這第二個有沒有可能把這個風險懸殊把它提高成10倍有沒有可能"},{"start":6581.327,"end":6609.294,"text":"這不是契約了吧這風險權術的部分我們要再來評估它真正的風險才能夠決定那有沒有可能限制金融商業投資南非國債的部分限期出脫有沒有可能我想所有的方法都可以評估中這業者都是你在管的嘛我已經跟你講三招了嘛第四招有沒有可能把金融機構從事南非交易者降低它ESG的平等分數有沒有可能全部都是你的權利欸"},{"start":6610.441,"end":6632.495,"text":"主委 你的權力很大耶沒有 我想所有的謝謝委員的建議啦我們這個全部都可以納入評估全部都可以納入評估可以一個方向你一個方案當然我們都會透露一下以那個風險明天我們就要被趕出去了耶主委 你要想到什麼時候明天月底了呢人家限制明天呢你還在想"},{"start":6633.766,"end":6641.936,"text":"你要不要先準備起來我們盡快來評估我給你一個禮拜了我再給你一天明天最後一天了所以明天颱風會來但是那邊沒有颱風假"},{"start":6643.929,"end":6667.475,"text":"謝謝委員的提醒我想我們這部分我們會來請我們的業務單位技術來評估你告訴本席一下我跟你講的四個當中有三個你的權利就可以處理了跟合約無關我期望你在主委任內可以發展一個所謂金融外交的方式把台灣的金融實力展現出來主委有沒有可能當然這是一個思考方向啦過去我們並沒有"},{"start":6668.951,"end":6669.331,"text":"接著請戴惠文委員質詢"},{"start":6697.469,"end":6705.015,"text":"好 謝謝主席我們有請金板會主委有請彭主委委員好"},{"start":6706.727,"end":6733.16,"text":"主委早安不要緊張我會比較溫暖一點不會請教您一些問題主委我想就是金管會2025年的施政計畫針對施政計畫裡頭我特別挑了一個普惠金融落實消費者權益的一個保護跟普惠金融來今天跟你做一個探討我們知道"},{"start":6733.92,"end":6759.347,"text":"我們就先從這個詐騙詐騙的一個那個廣告投資詐騙的一個廣告的一個修正的一個機制裡頭來先跟主委做一個溝通其實在金管會在8月份你們有那個提出來就是說投資詐騙陳情案件達了百件甚至在網路那個收報一年半以上那你們"},{"start":6760.027,"end":6780.863,"text":"就是收到了5.5萬件那其實我們也知道就是說在這個打擊詐騙金管會其實你們有透那個要臉書還有Google原商投資詐騙的一個廣告那也達成了就是說只要是政府通報那我們就是快速下架的一個共識"},{"start":6782.364,"end":6801.334,"text":"那後來那個投信投顧法的一個修正也讓我們就是說明定網路平台業者就是他是有責任下架不滑的一個投資廣告那當然就是說這個這一套那個收報的一個機制在去年那個4月份的時候已經啟動了"},{"start":6802.535,"end":6819.04,"text":"那也執行了一年半那在這執行的過程當中我想就是說特別要跟主委今天做的探討是說在這一個整個金管會的一個修正裡頭我們看到了就是你在你的那個"},{"start":6821.39,"end":6834.48,"text":"網頁上有特別標列了鄭麒麒在今年8月接獲了100件的金融詐騙案的一個澄清案是創了今年單頁的新高今年累計已經接獲了523件詐騙案的一個澄清案"},{"start":6841.348,"end":6867.591,"text":"主委 是有沒有就是說去討論這一些詐騙案它有沒有地區的一個特性譬如說它是在臺南被騙的它是在六都被騙的還是六都以外的區域被騙的呢你們有沒有做過這樣子的一個我們現在的資料你們是用總體的資料並沒有按照地區別啦那如果未來有需要我們可以看看有沒有在有沒有這個可能性來做這個統計"},{"start":6869.739,"end":6884.168,"text":"可是如果那你們就是進入到大水庫的一個概念上所以你們沒有特別去蒐證就是說那個到底是這個被詐騙的一個區域是在哪裡那主委你的經驗裡頭被詐騙比較多的是在都會區還是會都會區呢"},{"start":6889.131,"end":6916.106,"text":"你的經驗、經驗法則因為我們看到他們大家都是使用那個社群媒體跟比如說我們最常用的Meta跟Line的這樣的組合來做那本來就是每個人都有機會會碰到對所以那當然這個部分的話如果說按照這個應該是蠻均勻分配但這跟我們的市大能力有關這我現在是沒有這樣的數據啦那法務部可能提供給你嗎"},{"start":6918.069,"end":6933.496,"text":"報告部的部分我們在做的主要是資訊的溝通跟跟互相的這個協同作業像比如說我們的林桂關懷就是跟警政單位就是非常非常密切的合作還有就是我們的疑似詐騙的帳戶有沒有這些都是我們"},{"start":6933.996,"end":6953.618,"text":"好 主委你特別提到了零貴的一個關懷那如果就是說我們如果從這一個零貴的關懷在今年那個前7個月的時候我們金融機構對於零貴關懷我們主詐了近7000件喔那我們攔下了台幣47億"},{"start":6956.02,"end":6975.636,"text":"這個是一個非常大的一個數字那所以我們也是從這個數字裡頭2023年到今年的7月底以前金融機構透過零貴的一個關懷主詐的一個金額其實已經超過120億了那如果我們大概可以推算你一年主詐的金額大概有70億"},{"start":6977.797,"end":7004.624,"text":"這70億的話你有沒有就是說做什麼樣的一個方式這70億是繳回國庫嗎還是就是說你們有分配到就是銀行裡頭對於主詐詐騙的過程裡頭可以更靈活那也平衡安全的一個考量注重隱私就是簡單的講說金管會在這一方面有沒有提供銀行臨櫃人員相關的SOP或是演訓的一個培訓還是攔阻"},{"start":7006.744,"end":7024.736,"text":"成功的一個獎金最重要是獎金有沒有這樣子的一個作為這個各位報告其實剛剛委員提到其實我們在第一線的銀行員非常的辛苦而且他們過去真的那個真的付出了非常非常多的努力保護剛剛委員提到我們這一年半的時間就這樣一件一件攔攔下了120億是那這個當然就是各銀行其實"},{"start":7029.299,"end":7042.654,"text":"那目前金管會並沒有提供這樣的獎金但是我們會我們是非常支持銀行的他們各個銀行要非常支持這些行業們像比如說我們在8月8月的時候呢主委那我想請教你這個120億跑到哪裡去了"},{"start":7045.137,"end":7069.282,"text":"那個就是民眾沒有被詐騙成功的錢那是民眾的錢所以這些銀行的櫃台銀行這些同仁是不是值得鼓勵當然當然他們也需要就是說特別的一個訓練那銀行局有沒有這樣子的一個規劃我們像比如說我們剛剛8月5號的時候我們把那個十大那個"},{"start":7070.662,"end":7096.22,"text":"那個攔阻金額的行員我們就把他聚集請那個卓院長一一的頒獎這個是十大嘛對就是他前面就是因為我們找幾個真的就是就是攔阻下很大的一部分對對對比如說其中有一個我記得他是就是這個光榮感是有了那有沒有一個實質的一個回饋我想這個也是請主委四個朝這個方向來請我們的銀行端來好了鼓勵我們這些的辛苦的行員們"},{"start":7097.36,"end":7114.189,"text":"對那接著就是說打造事法我們已經三讀通過了金管會議計在這個年底完成配套的執法那你這個配套的執法有沒有一個時程的規劃有當然就是我們剛才配剛才其實委員有提到本來這次叫年底的但是我們這次呢會"},{"start":7115.56,"end":7142.021,"text":"按照行政院的指示有可能提前一個月所以我們這部分希望能夠盡快來實施讓它具有法源讓它具有法源是的好那主委我想不論是黃詐騙還是促進數位金融的一個應用這個相關的宣傳相關的宣傳跟教育都非常的重要那這個失智證的一個提供的一個服務友善的一個金融一條街這一個那個就是在"},{"start":7142.601,"end":7154.379,"text":"找機會跟主委做探討特別我有一個比較特別的這個是我不知道主委看過這本書沒有這本書是金融的基礎教育學生的手冊"},{"start":7155.751,"end":7177.169,"text":"那我們認真的把它要回來要回來就是研究了那我們覺得說這一個手冊其實它是適用在小學三年級以上三年級到六年級可是它的內容寫得太深了那為什麼一年級到三年級沒有這樣的一個手冊呢你如何的用錢那"},{"start":7178.784,"end":7196.244,"text":"這個普及那個金融交易的普及我覺得是在最基層的扎根還有就是說你們這一套書其實已經編了很久了內容你應該我等一下那個送給你你拿回去參考看看內容太深了啦"},{"start":7197.878,"end":7223.359,"text":"這個我想小學生要看得懂你這一本書顯然其實是非常辛苦的非常辛苦的所以我覺得這個基礎教育是有一點這個學生手冊是有一點就是好像是應付了事編得非常非常的不好這個內容我們來精進對所以這個也是要跟就是那個"},{"start":7225.014,"end":7241.563,"text":"主委做一個建議那當然走入校園跟社區的辦理金融知識的一個宣傳的活動那你們從2006年開始金管會就結合銀行局就在不斷的那個就是做這個場次的宣傳到了2022年你們總共辦了7846場"},{"start":7245.985,"end":7268.868,"text":"看起來好像人數很多那你宣傳的對象就從國小三年級到六年級那一直就是這個有很多很多一個那個就是各種面向那我要針對的就是說你走入校園跟社區辦理金融知識的一個宣傳的活動這個前四大其中有一個單位"},{"start":7269.909,"end":7298.848,"text":"特別的有意思你在國小你用了27%可是你矯正機關你竟然用了15%這個矯正機關為什麼要用15%這個是一個非常諷刺的一個問題我覺得這個緩差緩差的一個場域是不是因為在矯正機關裡頭其實這一些人基本上是不是應該就是接受金融知識的一個宣傳嗎"},{"start":7300.37,"end":7316.269,"text":"這跟委員報告好主要是因為我們的矯正機關是法務部那邊他會主動的要求我們提供這個課程因為他也是他矯正這個工作的一部分我們提供一個所以他這個比重會看起來會比較高一點這是因為他本來就是有這個課程提供請我們"},{"start":7317.17,"end":7341.567,"text":"可是事實上主委你把這個放在繳稅機關因為你們顯然是說被動的嘛你們不是主動的嘛那如果是主動的話你把它放在這個地方我覺得效果是不好的況且如果你們要真的嚴格上來講的話你們每一個月其實每一個月你們可以辦200場那16年來你應該不是只有累積不到8000場"},{"start":7343.268,"end":7359.717,"text":"所以說基本上就是說你應該加強辦理況且你辦理的地方我覺得這個還是有待我們再修正你這個緩差感很大讓人家覺得很諷刺為什麼是在這個矯正機關我認為建議建議應該在幾個地方可以帶來更好的宣傳效果在大專院校"},{"start":7365.94,"end":7389.462,"text":"這是職業訓練的那個中心因為年輕人他要進入職場了嘛所以他必須要有很好的一個理財的觀念金融的一個知識嘛那甚至在社區中心還是公民活動中心因為這個是居民聚集的地方他其實對於老百姓他就是說他有一般的一個債務的一個規劃有實際的需要還是說他預算他要怎麼樣去規劃"},{"start":7390.683,"end":7406.556,"text":"那個他的退休的一個資金還有企業跟職場的一個培訓公共圖書館主委我想這一這個這個就是金融知識的宣傳顯然我們還要再多做加強確實剛才比說大專業校確實我們是未來的重點"},{"start":7407.296,"end":7408.036,"text":"好,接著請主委"},{"start":7436.616,"end":7450.985,"text":"委員長是主委我想現在眾所矚目的就是11月5號的美國大選根據外電還有相關的報導其實有很多人擔心的是川普川普當選之後有可能大幅調高關稅加發美債還有"},{"start":7455.347,"end":7472.8,"text":"他會生產更多的化石燃料對抗氣候變遷最重要的是會引起全球的金融風暴所以請問主委我剛聽到其他委員在問其實我在問的是臺灣我們要做金融兵推其實美國大選可能也必須要做一次金融兵推你認為呢"},{"start":7474.145,"end":7494.328,"text":"當然所有的情況的演練我們平常做一個監理機關我們都有做最好的準備了嗎我們都有做準備因為這部分其實百姓要的是一個政府給的信心所以你有18套劇本嗎我們有劇本是18套還是只有兩套劇本一套是賀錦麟當選一套是川普當選"},{"start":7494.909,"end":7516.409,"text":"其實我們都有去預想相關的結果我們希望這種狀況可能在衝擊來的時候我們已經很能夠讓人民安心了因為這個真的是無法預測但是我們希望臺灣是很穩健的度過各種你就像一隻小船在兩個大船之中他們在翻腳的時候我們至少可以自保"},{"start":7516.969,"end":7531.942,"text":"尤其是在金融方面那接下去對於可能的川普對於臺灣的影響或者是賀錦麗她比較容易預測因為至少會延續拜登的政策是大家預期是這樣好那接下來時間暫停我請鄭齊局局長一起好"},{"start":7537.386,"end":7561.303,"text":"主委、局長我想接下去我想問的就是虛擬資產在我們洗錢防治法通過之後接下去12月1號就要開始實施新的相關的辦法了是嗎我們在11月底就會發布現在的那一子話所以就是說我們原來就有一個所謂的登記的洗錢聲明的制度現在經過核准的業者有多少"},{"start":7562.25,"end":7562.51,"text":"總經理列席業務報告"},{"start":7582.161,"end":7596.85,"text":"虛擬業者聽起來很多真的在臺灣得到洗錢防治聲明許可的只有26家然後我們調查過上一次質詢的時候已經說明清楚全臺灣人在使用的"},{"start":7600.794,"end":7624.233,"text":"虛擬資產76%是使用外資平台也就是用這26家的占不到臺灣的20%、25%也就是說有這麼多業者依照你的規定是沒有登記不可以在臺灣營業對不對未來登記之後他一定要來登記才可以營業未來那現在呢現在就是可以隨便管他自己在外面營業你也管不著"},{"start":7625.595,"end":7640.539,"text":"目前的話你就要先聲明制度有做到或者你會被罰款會被罰,罰了幾家我們有罰過一家你知不知道現在有沒有登記的業者已經大剌剌的做著公車廣告叫BitGate"},{"start":7642.233,"end":7660.062,"text":"公車廣告到處跑社群網站一直在做促銷它也沒有聲明你也沒有罰過你只罰一家好不好 諸位我現在要說的是這麼多年從112年到113年我們有一個叫做行政程序法"},{"start":7660.862,"end":7678.149,"text":"行政程序法是人民來申請兩個月之內你要做處理沒有處理你可以延長一次四個月但是現在有二三十家來申請每一家在政企局審核的時間都超過法定的四個月也就是政企局到底想管還是不想管"},{"start":7679.113,"end":7703.611,"text":"如果你不想管你就用各種理由拖延不審查第二個你想管你就請大家都進來給你管新的制度是大家都要進來給我管但是我剛講了76%的營業在做實際虛擬資產的操作的76%佔比的業者我們不管我們現在到底是怎樣要管還是不要管"},{"start":7704.171,"end":7723.023,"text":"市長跟委員報告一下剛才委員提到那個審查的時間其實同仁在這方面都有注意到那很多會有往往反是因為他們的資料的說要不爭不起但是放在政企局也是因為你太忙了沒有我有去查對他們但是我的意思是說我們的目的是要管"},{"start":7724.096,"end":7746.136,"text":"我們希望說業者都被你管他來營業他正登當當營業而不是這樣子他在外面營業我們管不了他我們保護了26家那幾家不管所以但是大部分都在跟他買我實在不懂我們到底要幹嘛就報告委員當然我們的態度不會是這樣啊我只是說剛剛我先簡單回答一下他們過去所有的審核時間我都有看過大概都在"},{"start":7747.723,"end":7773.886,"text":"兩個月以內一個月1.5個月最多希望是那我現在我們有很多的數字其實我們不要講細節是我們要趕的是主委的態度就是說要管就認真的管而且他在臺灣實際有在接受國人的相關的交易我們就應該讓他備管而且將來發生事情我們可以納入他在我們的行前防治相關的安全網裡面這才是我們要做的不是嗎"},{"start":7774.546,"end":7799.868,"text":"當然剛剛有委員提醒到就是說其實我們為了保護國人我們當然希望他是在我們的管轄範圍我們才有比較沒錯我的意思是說要人要錢主委幫正其舉他如果人力不夠我覺得還是要幫助他如果他審查需要這麼久這麼慢但是我的立場是很簡單我們洗錢防治相關的規範進來之後我們希望所有的業者都能夠被納管"},{"start":7801.81,"end":7823.927,"text":"已經在路上跑跳的這些業者而且他被警示的業者麻煩政協局認真查該罰就罰他沒有進來你也沒有核准但是他一樣在營業然後沒有任何影響這誰要被你管反正我照樣做我繼續做我的事反正你也管不了我我們不是要這些業者在外面當畫歪之地吧對吧"},{"start":7825.309,"end":7842.09,"text":"主委這是態度問題12月1號上路比如12月1號開始如果說沒有登記的話這是有刑責的重罰而且拜託你們審查快一點有沒有是不是該不該讓他核准不准就不准"},{"start":7843.12,"end":7862.532,"text":"合準就合準不是這樣拖拖拉拉好嗎這是第一步所以麻煩政企局我覺得他們人力也不夠這個業務突然掉在他們頭上其實也不是他們熟悉的業務而且接下去我還是認為主委你應該去爭取另外一個新的金融科技局包括這些電子支付"},{"start":7863.769,"end":7864.249,"text":"這一定是我們努力的方向"},{"start":7880.484,"end":7903.024,"text":"好 局長請回我想接下來是一個新的問題也就是臺灣已經進入超高齡社會了那我們現在大概預估將來會有92萬人有長照的需求那國人的平均臥床時間大概是7到8年所以主委我想問一下我們曾經在2022年的時候推動所謂的補充型長照的商業保險"},{"start":7904.085,"end":7932.643,"text":"但是中間發生了防疫險所以大家都嚇壞了現在我們還有沒有這樣的計畫而且現在長照的需求越來越高在沒有商業保險比較便宜的情況之下民眾還是要靠所謂的外勞、機構但是幾乎是傾家蕩產這些補充式的長照保險之前是商業險它比一般的長照保險保費低了25%到60%但是目前停下來"},{"start":7933.644,"end":7954.591,"text":"主委怎麼辦我們全部能夠再爭取一下讓各保險公司能夠推出所謂的補充式長照商業保險補助因為它本質上還是個商業保險還是要尊重商業保險公司他們的一些意願我們過去推動類似的保單比如說微型保單是還有像比如說我們的小兒中老保險我覺得這個很好對"},{"start":7955.731,"end":7981.119,"text":"他在這個政策上風險比較容易控制其實保險公司基於他社會的這個責任也非常的熱烈的響應我想做但長照險我想這個我們推出這個概念我們是希望我們的廠商開始思考這個問題但是我們過去的經驗是他們的反應是比較保守的比較覺得未來長照不管我們的政策還就未來的這些成本比較難控制所以這部分還需要時間來醞釀跟宣導"},{"start":7982.719,"end":8004.153,"text":"所以主委我們現在是希望將來應該說從現在開始如果假設我們的超高齡人口是快速老化其實我們的長照政府每年八九百億其實很快就是沒有不足而且最重要的是國人平均的臥床時間真的太長那個時間真的會讓長照杯葛不斷發生即使政府有長照服務但是"},{"start":8004.733,"end":8027.162,"text":"真正重症失能反而受不到這些長照服務我們希望將來希望推動所謂的比照健保的社會保險但是商業保險還是就像我們有健保可是我們還是會有醫療險這兩個相輔相成才能讓大家將來對於長照的負擔減輕所以第一個我們希望在政府部門不是只有"},{"start":8027.842,"end":8050.448,"text":"做長照2.0、3.0而是將來用社會保險的方式第二個我們希望金管會能夠鼓勵業者其實大家一起來承擔將來長照服務的需求我想這個才是中華民國我們走向超高齡社會之後可能第一步要走的路確實商會保險怎麼樣跟我們的健保做一個補充或是一個協同我想是未來大家可以來思考"},{"start":8050.768,"end":8076.22,"text":"因為我們以社會保險為底商業保險為輔加上最後才是家人的照顧我們現在的問題是家人照顧放在第一位第二位長照服務長照服務也只能限時限量那真正失能反而受不到照顧好嗎主委是這個部分我還是希望金管會能夠跟業者大家一起來共商對於長照將來可能的需求是好嗎謝謝謝謝主委謝謝"},{"start":8076.94,"end":8100.138,"text":"好 謝謝珊珊委員接著請李坤城委員質詢謝謝主席我們請這個金管會的彭主委好 請主委委員好這個主委好主委知道明天是什麼節日嗎"},{"start":8101.867,"end":8129.7,"text":"坤城委員等一下等一下主席在這裡宣布李坤城委員質詢完畢我們休息10分鐘好 繼續請問一下主委你知道明天是什麼節嗎10月31號不太知道明天不一定是颱風假但是明天是萬聖節然後川普他最近一句他批評臺灣"},{"start":8131.58,"end":8160.145,"text":"這個偷走了美國的晶片還說要對臺灣的晶片課徵關稅那這有點像是這個萬聖節來講這個Trick or Treat不給糖就搗蛋然後這句話之後這個臺股也應聲大跌那當然這個金管會有出來信心喊話那我也相信說這個我們臺股的這個體質良好台積電也是我們臺灣的驕傲但是美國大選總統大選就是下禮拜應該下禮拜二"},{"start":8162.326,"end":8168.348,"text":"請問一下金管會有做好什麼樣的準備嗎?這個問題剛剛也很多委員關心過因為這個是對臺灣來講就是美國總統大選的結果對臺股對臺灣都會有影響對因為大家的"},{"start":8175.851,"end":8204.26,"text":"都知道臺積電在我們臺股成交比重是一個很高的比重所以它的漲跌對於臺灣股市確實是有比較大的影響剛剛有幾位委員關心過了也問過說金管會有沒有什麼18套劇本來因應這些事情確實我們針對這個事情我們已經開過幾次會然後也跟我們的交易所我們有固定的這樣一個機制去討論以及因應的原理那我們會做好萬全的準備我是說"},{"start":8206.06,"end":8230.629,"text":"金管會有沒有跟我們相關的部會或行政院有沒有召開相關的部會來因應這次美國總統大選對於我們這一個臺灣政治經濟的影響現在我想院級的他們有他自己的這樣的作業我們金管會本來就有一個這樣一個機制在運作我們主要是由金管會跟我們兩個交易所還有我們期權那你們萬全的做法大概是怎麼樣的做法"},{"start":8231.55,"end":8257.644,"text":"就剛剛有委員也有詢問過我說我們有一套的行政的措施我們會在適時在適當的環境之下若出現了一個我們不預期的狀況我們會來提出適當的方法來處理什麼是不預期的狀況因為我們在很多地方都已經說過了我們是一個我們在意的是整個市場交易的秩序然後以及說它的所謂的這個這個交易的"},{"start":8258.704,"end":8280.3,"text":"穩定性所以我們在過去只要有比如說是屬於非理性的這樣的影響因素的話我們就會採取必要的措施所以這個美國總統大選的結果會是一個非理性的影響臺灣股市的一個變數嗎當然有些是基本面的因素有些心理面的因素通常這個非理性都是心理面的因素好那非理性的因素應該短期就會過去了嘛"},{"start":8280.76,"end":8298.476,"text":"通常我們從過去的經驗看到還是會短期會受到心裡面的衝擊長期還是要靠基本他們的體質的支撐好那再請教一下這個主委這個之前這個有大家有在呼籲說針對這個竹林公司但是好像這個影子銀行一樣"},{"start":8299.156,"end":8321.842,"text":"所以有呼籲要制定這個融資公司法那金管會的態度就是說你們現在有這個委外做這個研究的報告那預計年底會出爐那時候再看說是不是要訂專法但是本席有看到說你們最近有兩個措施推斷有可能這個不會推定這個制定這個融資公司的管理法那第一個就是說你們有請銀行公會這個"},{"start":8324.124,"end":8333.202,"text":"訂定銀行對融資租賃業的這個受限實務之旅規範那第二個就是說嚴定將一定資本額達以上規模的上市櫃融資租賃公司"},{"start":8333.986,"end":8356.665,"text":"納入金融消費者保護法適用範圍大概是兩個一個是受信銀行公會的受信實務之律規範另外一個是修改金保法請問一下第一個有關於要求銀行公會對租賃公司受信融資的受信實務之律規範目前進行的情況是怎麼樣"},{"start":8358.01,"end":8379.531,"text":"這個的部分因為我們其實對這個問題很關切因為大家對這個融資公司在社會上這個大家的疑慮主要是在於消費金融的部分那這一塊的話我們確實說因為其實他們很多的資金如果是來自於銀行的話我們確實可以從銀行跟他往來之間進行相關的這樣一個規範所以我們就請他們訂一個這樣一個資歷規範"},{"start":8382.052,"end":8408.699,"text":"來針對這個大家所關切的議題特別是針對中古車還有BMPL就是那個先買後付這部分訂立一個規定還有對他們的貸後管理我們透過銀行來管理我想現在這部分應該已經已經開始上路了就是已經準備要上路了請問一下進度怎麼樣按照如果說媒體所披露的說這個受限使用守則有四大要件第一個就是說檢視放款規模大小那第二個呢"},{"start":8410.221,"end":8431.166,"text":"減釋特定族群的販款集中度簽竊結書對中股車輪融資或BMPL以建立風險機制或在內部簽訂消費者保護的規定才能取得銀行的販款銀行必須在連徵中心資料上註記請問這四個方向是朝這四個方向走嗎?"},{"start":8432.472,"end":8454.866,"text":"原則上是朝這四個方向因為當初我們其實要銀行公會訂的時候有給他們幾個原則這是你們給他們原則嗎對 原則上比如說像BMPL還有中古車消費者保護這個是我們非常強調的原則所以說這個如果那請問一下那這一個由銀行公會的這一個受限實務之律規範何時會上路"},{"start":8458.032,"end":8468.66,"text":"報告委員他們已經報過來我們內部在做了一些調整之後然後給他們了之後他們應該很快就能上路很快是指說11月還是12月"},{"start":8471.479,"end":8496.596,"text":"原則上應該是年底前年底前會上路因為這就是由銀行端來強化受信的管理嘛是的那就是說第二個這個修改金保法那修改金保法就是說你們把一定資本額以上這個上市上櫃的公司那當然目前大概就是三家啦中租、育農跟和潤然後呢按照金保法的規範"},{"start":8498.097,"end":8519.41,"text":"將金融服務業比照一般的金融業來納管那請問一下如果按照這一個修改這個金保法的規定的話這個是只要行政命令公告呢還是要修法這個不用修法因為我們按照金保法第3條我們只要公告它的話就會納入我們的行為管理"},{"start":8519.69,"end":8529.297,"text":"第三條就是說經其他主管機關公告的金融服務業那所以是把這個租賃公司把它視為這個金融服務業嗎因為我們對他的行為納管機構沒有"},{"start":8532.305,"end":8554.925,"text":"對把行為納管機構要未來機構還不是對對機構要未來有專法才對機構但是他們的這一個行為對比如說他做了跟比如說銀行類似的行為他就應該受到相同的對消費者的保護的機制好那請問一下那這個效力是怎麼樣你納入金保法管理之後跟沒有納入他的差別在哪裡他約約束性"},{"start":8555.986,"end":8570.455,"text":"差別在哪裡那當然因為假設納入金保法的內容就會有罰則若違反了這裡面的相關比如說適合度還有資訊揭露、風險告知還有契約公平性都會有罰則是對租賃公司的罰則"},{"start":8571.375,"end":8600.631,"text":"對就是因為他被納入以後他就會會受到金融消費者保護法裡面主要的內容我剛剛跟委員報告那幾項如果他沒有做到這些的話就會被處罰那這個推動上面有困難嗎當然現在這個這部分需要比如說我們先要先初步的跟租賃公會跟相關的業者溝通他們同意以後呢我們就會把他納入他們會同意嗎我們正在溝通中就是說我看這個媒體的報導好像主力蠻大的"},{"start":8601.291,"end":8623.544,"text":"沒有,我覺得應該是我們還在努力,因為這個畢竟是...你們溝通力道還不夠大嗎?還是怎樣?我們會持續的來努力因為這個是你們公告就可以嘛當然公告的過程當中還是要跟他們溝通啦當然,我們現在政府需要跟...因為它畢竟這個本質上並不是我們現在大家所認知的所謂的我們金管會金管的金融服務業"},{"start":8624.204,"end":8640.846,"text":"但是我們希望透過這個過渡式的管理希望趕快把國人關切這個內容也希望他們基於對社會的期待趕快的加入這個部分的管理那年底之前能夠公告嗎這部分我們不敢預期進度但我們會盡快的跟他們加速協調的過程"},{"start":8642.268,"end":8660.808,"text":"這個應該是要給一個Date Line你們才會去做當然你們已經有做了但是如果說這個他們有一些這個一些阻力然後呢那你們這一次溝通那也不知道溝通溝通溝通到哪個時候啊總是還有個期限嘛那自己主委心中的這個期限希望哪個時候能夠這個能夠公告"},{"start":8661.889,"end":8683.084,"text":"因為它裡面還牽涉到範圍的問題當然大家有人說是不是有那三家有人說是不是上市櫃有沒有說上市櫃就是這三家啊他們也算了大概所有的這個授信大概九成以上是不是工會的會員還是說金融機構所屬的子公司這些範圍其實還要再來考量一下我想"},{"start":8683.985,"end":8708.365,"text":"委員這個的督促我們其實我們對這個東西其實是非常認真而且我覺得是很審慎的我知道就是在這個專法出來之前你們就是至少這兩個方向有在做那另外一個你剛才說這個銀行公會希望說在年底之前至少能夠那個規範能夠先出來我們用多管齊下希望這個秩序所以我也希望說這個納入金保法在年底之前"},{"start":8709.385,"end":8728.217,"text":"能夠公告我們朝這個方向來做好不好那會不會因為這樣子其實你們就不想設立專法這是另外一回事因為跟我們報告專法如果容易的話這個案子從85年開始討論到現在我知道啦所以我覺得這牽涉到整個很"},{"start":8729.258,"end":8741.621,"text":"比較複雜的範圍我們希望是透過假設能夠分階段讓我們知道這個管理的這樣的方式以後接下來我們的專法、納管就比較有一個輪廓而且比較容易達到社會的共識所以你們委員會的報告是年底會出來"},{"start":8743.347,"end":8767.322,"text":"就是有關融資公司徵法我們委外的報告對委外的報告年底會有個初稿出來好那我還是希望說這個年底能夠公告落入金保法我們朝這方向努力好謝謝我這還有2分鐘嗎還是時間到了時間到了時間到了喔好好好OKOK好謝謝謝謝委員好謝謝坤城委員那接著我們休息10分鐘"},{"start":8790.6,"end":8795.142,"text":"財政委員會財政委員會財政委員會財政委員會財政委員會財政委員會財政委員會財政委員會財政委員會財政委員會"},{"start":8827.769,"end":8835.254,"text":"主席財政委員會主席財政委員會主席財政委員會主席財政委員會主席財政委員會主席財政委員會主席財政委員會"},{"start":8861.788,"end":8869.691,"text":"財政委員會財政委員會財政委員會財政委員會財政委員會財政委員會財政委員會財政委員會財政委員會財政委員會財政委員會財政委員會"},{"start":9359.687,"end":9361.188,"text":"主席在這裡宣布繼續開會現在開始詢答接著我們請袁寬恆委員質詢"},{"start":9393.31,"end":9398.342,"text":"主席各位列席官員大家好主席有請金管會彭主委好彭主委"},{"start":9402.699,"end":9424.783,"text":"主委好終於等到金管會的業務報告了開業一個多月了我們都持續關注金管會的業務內容謝謝委員關心先跟主委討論一個嚴肅的議題新聞報導我們的金管會行政體系下上級主管利用自己的權力去打壓、苛責這個基層的員工"},{"start":9429.784,"end":9449.274,"text":"保發中心保發中心的更誇張這個霸凌公讀生導致公讀生跳樓發生這個遺憾的事情他本身公讀生他就是一個弱勢家庭一個弱勢家庭那課業他當然就是好不容易考上了北科大那"},{"start":9450.239,"end":9467.604,"text":"也很努力認真但是因為主管的霸凌要求他學生說課業事業二選一他甚至於還直言說寶寶中心是中央單位不是地方的地方管不到導致最後這個"},{"start":9470.093,"end":9496.428,"text":"這個我們的這個工讀生就這樣子跳樓往生了我要請教主委就是說在工作能不能繼續讀書應該可以嘛對不對我相信活到老學到老在任何一個時期任何一個工作環境都可以自修都可以念書都可以學習除非說金管會特別不可以不會這樣子吧"},{"start":9497.168,"end":9518.434,"text":"不會啦當然當然這些事情之後主管就是董事長請辭然後主管也被處分但是我覺得說事後當然這個懲處一定要但是問題是說能夠挽回什麼能夠表達什麼再多的這些撫恤啊還是一些補償"},{"start":9520.046,"end":9546.543,"text":"都沒有什麼意義就父母來講拉拔小朋友辛苦的從出生到長大成人到就業這個過程我這個不用多講沒有什麼東西可以交換的那事後的這些撫恤啊這些能夠做到什麼我相信沒有人可以說啦可以說得很"},{"start":9548.484,"end":9574.811,"text":"很清楚但是我們看到這個保化中心發的聲明稿說什麼會全面檢視內部的制度啊員工申訴管道啊同仁這個保障員工權益的這個機制這當然要做不是只有保化中心我相信就是全部都要做就是我們轄下的有關的希望未來中央不只是中央機關因為我們現在在中央所以我們要求的是中央機關我們希望說"},{"start":9575.939,"end":9600.177,"text":"做一個典範是那我們的要求跟我們的進步機制的提升還有這個整個控管控管防止這些憾事再次的發生可不可以主委是報告委員剛才其實委員講的我們心情也都非常沉重那件事情我心情知道以後立刻請保安局還有保發中心一定要投訴他們也迅速的做出回應當然"},{"start":9601.078,"end":9627.781,"text":"委員剛才講了這一條年輕的生命是沒辦法挽回我們是非常非常的遺憾我們也像剛剛委員講我們就立刻說亡羊補牢不可以再允許這種事情再發生一條人命就這樣消失那所以我們也請開始立刻請所有單位清查我們所有的周邊單位有沒有類似的這樣的一個辦法或是機制不要讓剛才講那個憾事再度發生對所以我們已經"},{"start":9628.722,"end":9642.658,"text":"在10月11號已經通令所有的單位已經開始就是我們也訂立一個參考範本請所有我們的周邊單位都要去按照這個方式來執行好主委我們不是要口號我們也不是當然當然"},{"start":9643.479,"end":9671.267,"text":"不是只要一個宣示我們要的是作為好不好再跟主委請教時之時付新制在10月1號上路那未來民眾購買的這些醫療時之時付的保單真正落實到一個正本理賠損害補償原則那每次的醫療行為所得到的理賠總額必須要在該次醫療的總費用為限就是最高不會超過這個總費用"},{"start":9674.368,"end":9683.117,"text":"如果買兩家保單那第二家十支十付的保單就只能夠付那個差額不足的部分"},{"start":9686.537,"end":9706.971,"text":"這立場是對的那我也表示支持那對於不孝人是說藉由生病來賺錢這個部分那如果新制實施之後有許多民眾還是會藉由第二張保單理賠他生病期間所產生的隱形損失我講的是真正的損失"},{"start":9707.731,"end":9722.888,"text":"然後他真正需要付出的部分比如說沒有去上班小孩子生病要照顧請假房貸要付這一些的部分生活費的花費甚至有些是比如說他身障"},{"start":9724.669,"end":9731.413,"text":"行動部方面沒有辦法坐公車必須要坐計程車這些產生的實際支出保險業者能不能將類似支出也納入保險的內容"},{"start":9740.279,"end":9767.337,"text":"那時間有限我先一次的所以在這個11日上路的這種時知時負的心智我認為說這是一個重大的改革但是實際需求與困境這一部分保險我們要保障患者基本權益的部分能不能在時知時負的範疇之內考量更多真正的實際支出這就是值得我們探討的問題所以"},{"start":9769.438,"end":9786.837,"text":"希望保險業者說主委你們要求說保險業者能夠根據民眾的實際狀況實際狀況靈活的調整保單內容而不是說一個制度的枷鎖就是把他綁得硬梆梆的什麼都不能變那這樣子的話就"},{"start":9788.659,"end":9791.601,"text":"有限公司、臺灣集中保管結算所股份有限公司、臺灣集中保管結算所股份"},{"start":9809.693,"end":9836.209,"text":"得到不應該得到的金額那我想這個政策就這樣推動對主委你說的是不應該得到的這個報酬對對對但是我們講實質實付的另外假設實質的費用不是醫療費用的部分隱形的這些費用隱形的成本這個的話就是我會請保局再思考那另外一個就是其實上我們的商品醫療型有很多種類型假設他是除了實質實付以外他有購買定額給付型的話他就可以用來支付這一塊假設現在他來不及的話他可以來做"},{"start":9836.949,"end":9851.539,"text":"做這件事情當然剛剛委員提到那個部分有沒有可能擴及到醫療費用其他的費用叫做是一個明確而且是真的必須的這部分我會請保局再來演繹這個相關的方法"},{"start":9853.383,"end":9872.398,"text":"好好 處委這個要拜託您了那另外再一件事就是說我們再請教你我們上一次上個會期啊我有跟你討論過防止遊戲點數詐騙的議題是是是那你們提出當時你們提出一個3000塊以上24小時延遲入帳的方案那"},{"start":9874.659,"end":9900.024,"text":"我那時候說這個方案很老民希望你們回去好好檢討那前幾天你們將討論過後的這個方案就是改由發卡行強化遊戲點數交易即時封控這個部分那我的疑問就是說本來發卡行他就已經在有做這些即時封控啊還有做這些管制啊"},{"start":9901.954,"end":9921.547,"text":"是不是因為時間過了那麼久變成說我們金管會老實講讓我們很失望因為這麼長的時間沒有一個有效的作為它只是在這個沒有具體的作為然後只是在上面文字上面加個叫強化"},{"start":9922.689,"end":9942.773,"text":"當原本已經在做的單位,他們已經在執行這些封控,還交給他們做交給他們做,他們也是部署隊就在做啊,他們可不可以做什麼不公的出來嗎?那裡面有一些不一樣,就是說那個現在因為我們的遊戲業者跟銀行正在做一個計畫做一個聯防機制,因為畢竟剛剛講"},{"start":9945.666,"end":9960.863,"text":"三千塊全部都不同意都要延後二、四小時確實剛才提出以後銀行公會提出這個建議以後引起很多人家不便那我們先回到一個我們的瘋狂說但是剛才提到我們還是希望銀行業者跟遊戲業者有一個"},{"start":9961.644,"end":9989.904,"text":"做一個聯防機制讓他這個東西真的在詐騙的人能夠得到一些控制這部分我們正在處理因為這個詐騙無所不在是的每天我們現在在講話的時間這個時間當中或許也有為數不少的人被受到詐騙金額不一啦不要以為說OSA沒有人在用這種什麼很low的方法還是那種傳統的方式什麼都有是真的好不好主委是沒問題"},{"start":9990.784,"end":9993.866,"text":"這個部分一定要穩定穩定穩定穩定穩定穩定穩定穩定穩定穩定穩定穩定穩定穩定"},{"start":10018.152,"end":10021.548,"text":"謝謝召委我會請彭主委好彭主委"},{"start":10026.227,"end":10052.457,"text":"主委好我今天問題很多第一個問題就是美國大選對於整個金融市場的衝擊跟影響不到10天的時間馬上11月5號美國大選的結果馬上就要出爐了但是從最近幾波民調無論是紐約時報或者是CNN的報導從目前看起來風光的民調大概都47比47所以在國際上很多建制派的國際社會都開始做"},{"start":10053.257,"end":10067.789,"text":"不同的準備看起來川普當選的機率是越來越高那這個衝擊變數也都會有我相信我們在整個金融市場上也應該要做一些預估跟準備才對那美國大選的不平靜"},{"start":10069.11,"end":10096.735,"text":"當然在反映在我們的金融市場上有幾個問題點我倒要請教一下主委就是我們現在在美國的公債的直升利率再一次的創新高今年度2024年第二季是達到9兆8千億那在美國在海外市場的這個曝險的比率佔達35.1%這兩個數字都是再一次的創新高那我想請教主委"},{"start":10097.635,"end":10126.005,"text":"對於現在的狀況你有沒有什麼具體的建議剛剛委員的問題有兩大部分一個就是說有關美國大選的結果對臺灣資本市場或金融市場的衝擊我們的因應措施剛剛有非常多的委員這個當然是一個非常比較大的課題但是因為我看到這個保險的這個比值其實是再一次的創新高那我先請教主委我們第三季因為還沒公佈我們第三季的數字是比這個還高嗎"},{"start":10127.76,"end":10151.399,"text":"因為他這部分會因為這個利率的變化他那個部位會影響到對那第三季照理說應該馬上就要公佈了吧那第三季的數字是怎麼樣應該我覺得這部分還是處於比較高的這樣一個數字所以會更高會破十兆嗎應該我覺得應該是差不多這樣一個你現在還高嗎因為下個禮拜就要公佈了你現在還高嗎"},{"start":10152.674,"end":10172.463,"text":"待會兒我請那個銀行局看他有沒有掌握到一些數據再跟委員報告主委你應該知道才對對於川普有可能回來然後整個建制派國際社會大家都在做準備難道這個我們有做準備嗎這個我們對我們的投資部協議一直都有在監控有在做監控那比數可能會更高"},{"start":10173.854,"end":10199.705,"text":"比重可能會更高現在9兆8千億35.1%美國占35.1%比數可能更高其實這很大一部分比如說像我們的那個受險業在這邊就占了很大的一個比重我清楚所以就更需要小心嘛對就更需要小心嘛那第三季的數字你看過了嗎第三季的話剛才我們看到數字是比較低的數字是多少"},{"start":10202.908,"end":10215.24,"text":"27.83兆台幣怎麼會是27.83兆怎麼會差這麼多現在第二季底就是9兆8千億怎麼會是27.83兆沒有是總共的海外的曝險那美國佔整理海外的曝險27.83兆你剛剛說更高這數字到底精不精確"},{"start":10223.168,"end":10251.129,"text":"美國我們現在的統計數據到113年9月份的話所以我現在問你的第4、第3季對36.75季所以更高嘛更高嘛知識有可能接近10兆好這主委我覺得具體建議就是說我覺得這件事情還是對於金融業未來面對於整個國際環境的景氣到底有哪些風險會不會有黑天鵝或者是灰犀牛"},{"start":10251.829,"end":10275.237,"text":"我希望我們所有的金融部會都要做最好的準備這是第一個第一個我不知道你們因應的策略你可不可以簡單的回應我一下當然就是說面向是多面向比如我們對資本市場的部分我們剛剛也有委員關切過我們有一套的運作機制我們會針對不同的結果可能對什麼樣產業影響對我們整個"},{"start":10278.238,"end":10293.019,"text":"資本市場的波動有多大那我們該採取什麼樣的動作我們在前一波大陸的房市大跌之後我覺得我們那一波控制的還蠻好的但是面對於現在美國大選之後的一個結果結構整個國際的經濟結構我覺得要有一些因應的策略"},{"start":10293.399,"end":10308.059,"text":"好 第二點其實我今天好幾個主題喔主委 您上任之後做了很多的努力包括iPhone17包括法規的調適平台包括國人投資帳戶TESA這兩天我都有看到報紙有在寫包括金控的診病包括金融科技創新"},{"start":10310.682,"end":10335.763,"text":"點點點都很多外界都給你很多的還不錯的評價但是業界也有另外一種聲音就是在處理這些事情的時候包括像在處理新興合併的議題上我們看到主委的態度是非常堅定的而且非常強硬但是碰到跨部會的議題的時候看到主委又變成是好好先生yes man變成是尊重財政部的意見"},{"start":10338.291,"end":10358.312,"text":"主委你先不用急著否認我舉幾個例子你就知道我可能要舉什麼第一點就是在TESA的部分TESA的部分我們都知道它是一個個人長期的投資帳戶怎麼樣鼓勵國人願意把錢投資進去目前我看到的其實應該有更多的不同的財稅工具才對"},{"start":10359.468,"end":10381.181,"text":"你現在看到的是說還有減免手續費國人的一個長期投資帳戶他可能是一個長期放子他不會是進進出出像晚短期當沖降稅一樣進進出出所以這個個人的投資帳戶我不知道財政部給你一個是什麼樣的意見你剛剛我從媒體上看到說你是尊重財政部的意見但是我覺得如果是這樣的話這個TISA這個帳戶"},{"start":10383.482,"end":10407.421,"text":"因為很多人他不會是常常進進出出他會是一個長期性的投資我舉泰國來說泰國他是55歲以上才可以提或者是你投資滿5年以上才可以提出來就是說他有很多的政策工具他希望是一個長期穩定的投資所以如果是這樣只有一個減免手續費那到底他會不會成功我是有疑問的那第二點"},{"start":10408.021,"end":10434.8,"text":"主委就是說我舉另外一個例子包括我們當中降稅你本來希望是5年啊最後財政部才給你3年那另外一個你長期在強調說我們希望臺灣你上任收入證件希望亞洲可以變成亞洲資產管理中心可以放寬外匯的管制後來財政部也沒有支持你然後另外一個就是我上個星期問財政部的他說金融營業稅之前你說我們希望可以跨部會的協調爭取你本來希望說降為2%"},{"start":10437.262,"end":10452.239,"text":"後來他還是堅持5%我要請問主委這些是我覺得我覺得你該站在金融業該立即爭取的地方但最後你都用尊重你在很多外界的觀感當中你是一個好好的先生你是一個可以溝通協調的人"},{"start":10453.14,"end":10474.221,"text":"但是碰到跨部會的時候有時候我覺得對你過去長期的政見想要落實你剛開始第一次來到我辦公室你說你希望做一個溫水跟冰塊理論你希望用你的溫水來去融化公部門的僵硬我不知道你還記不記得這件事情所以你的政見政策要落實的時候你就要學會做一個討厭"},{"start":10475.882,"end":10495.031,"text":"被討厭的人有一篇文章說被討厭的人我不知道報紙有寫你這一篇我不知道你有沒有看到就是說很多在專業性上我覺得該立即爭取的地方你不應該是用尊重去配合財政部的意見這是我的看法你等一下你可以說我想先請問部長主委你知不知道金融營業稅去年是多少億去年因為我們是大概總共全年對"},{"start":10505.604,"end":10516.951,"text":"這個詳細數字我記不起來不好意思主委那我就要告訴你我覺得去年是800億就是說協調這些事情當中你有沒有導過政委或中泰院長來幫你跟部會協調這個我們當然有跨部會有嗎你有找長官來協調嗎我們政委來幫你協調有嗎我們有院級的協調這個當然不會是有院級的協調對那你被說服了"},{"start":10535.799,"end":10560.487,"text":"這個其實...現在委員我可以整體做個說明了嗎?可以齁?那就說剛剛提到委員就說其實我們政府是一體的我們的溝通折衝啊我們不會...主委你不用跟我講溝通折衝你的想法專業過去如果是賴總統找你來他支持你的做法我覺得碰到對的事情你就應該是堅持到底"},{"start":10561.067,"end":10576.4,"text":"我剛剛講那三項算是你很大的政策你也在這邊你也是希望達到那個目標但最後只變成尊重財政部金融業的特性其實它就是沒有淨扣的稅額可以抵扣所以其實2001年的時候那時候金融營業稅是降為零現在財政部是打你臉財政部是說這個金融業它有兩個說法中稅有兩個說法"},{"start":10586.809,"end":10593.931,"text":"他說金融業我們臺灣國際在國際上我們金融整體的稅率並沒有比國際高但事實上我們都很清楚知道其實我們的金融業它因為它沒有那個扣除額在進向的扣除額所以事實上在國際上我們事實上比例是比較高的我們的整體的稅率是比較高的這一點我沒有講錯吧"},{"start":10615.362,"end":10633.507,"text":"這個就是說其實上剛剛跟委員報告我們金管會是站在金融這個管理的主管機關我們的態度一直沒有變我們是支持剛才那個金融業稅下降但是我們整個國家有他的政策我知道啊但是說出你這個說法就是一個錯誤的說法嘛不是"},{"start":10635.928,"end":10662.706,"text":"就是他有不一樣的租稅的考量畢竟我剛才講為什麼要尊重財政部不同租稅的考量但是整體金融業的整體稅率事實上是比國際還要高的這句話你同意嗎我沒有講錯吧沒有應該講說他不是一個全面取樣不一樣比如說剛才稅率的部分有各種的稅法我們不是只看營業稅這一項各個國家也不是單一比較這個稅率我想各有各的這些的主張因為世界很多國家稅制是不同的"},{"start":10663.266,"end":10685.234,"text":"那我們當然會有看到比我們高也有比我們低的不可能是絕對高絕對低我只是說這是財政部他是主導我們的選擇我們的態度還是很明確的你如果這樣回應我的話我覺得你長期在講說要爭取臺灣做亞太金融的這個整個市場也好你的努力我都覺得說要讓我們的金融業有更多的競爭力"},{"start":10686.594,"end":10712.283,"text":"其實我們是用這樣子的說法其實跟我們報告就是我們在爭取這個部分我們從來沒有停止過我們但是不會因為沒有爭取到我們現在目的我們就停下來不做你會持續的爭取當然當然因為莊瑞雲的第二個說法來主委你看我第二個說法莊瑞雲說我們現在金融業是飢餓的好學生所以沒有調整稅率的必要所以莊瑞雲的說法是你是教授出身所以好學生就應該被處罰嗎"},{"start":10714.183,"end":10725.606,"text":"這是財政部的立場那我剛才講過我跟委員報告我們在過去不管在財委會在什麼地方我們都是支持要調降的所以你會持續的爭取你會持續的溝通當然我們溝通會持續你對這個結果滿不滿意這個畢竟是一個財政部的執掌範圍"},{"start":10734.562,"end":10752.423,"text":"但是跟你有關耶你是金融業的大家長耶也不是大家長我是站在我們的專業立場你就應該反映金融業現在的挑戰跟困境還有你要把它轉型成我們要做亞洲杯的頭這都是你要努力的方向你現在的牙齒工具都被拿掉啦"},{"start":10753.345,"end":10768.064,"text":"現在沒有並不代表以後不會有但是我們一定要持續的努力不會因為等待這個東西我們什麼都不做所以我們剛才講的就是說我們還是會持續的努力站在我們的金管會議場怎麼會努力你具體的作為什麼時候會出來讓我看到鍾翠芸都已經都已經直接打你臉啦"},{"start":10769.845,"end":10785.61,"text":"這兩項說明就是莊卓宇直接打你臉啦也不是打臉啦報告委員這個就是說我們各自有各自的職長但是呢我們還是態度很堅定講說我們站在金融監督管理委員會立場我們是支持能夠調整這營業稅的但是你會持續的爭取你會有其他的工具出來嗎"},{"start":10787.951,"end":10800.48,"text":"我包括像提撒的部分我上次委員報告過我們現階段是這樣但是未來我們沒有放棄爭取其他的租稅優惠鼓勵的可能性要達到你當時的目標找長官來協調一下找院長來幫忙協調一下我現在在幫你落實你當時來我辦公室還有賴總統的政見不然的話你東西都會拔掉金融業怎麼會有彈性呢"},{"start":10812.369,"end":10836.267,"text":"謝謝委員的提醒謝謝接著請洪孟楷委員諮詢我在這裡主席做一個報告今天因為巡達以後要再處理那個證交交易稅的一個條例跟臨時的一個提案所以我們12點開放會場的用餐好主席謝謝麻煩請金管會主委請金管會主委"},{"start":10841.614,"end":10870.012,"text":"黃議員好好 彭主委好本席有特別注意到我們在金管會這邊也是大家都關心說淨零碳牌的一個部分2050所以說你這邊有落實永續金融推動低派轉型是那昨天也看到金管會應該是下面單位有提到說我們現在要防止綠色漂白是 對不對所以說永續的金融證照那以及還有就是未來的綠色壽信要納金管但是大家就看"},{"start":10871.273,"end":10891.948,"text":"2028年才要納因為我們對於金融機構還有上市櫃我們有定有一定的進程這會按照進程因為畢竟規模大小差距有差所以我們會按照他們的規模大小但是我們推動這個永續、綠色、綠能尤其是像現在環境部他也講是說相關的碳費等等的一個計算以及國際上來講這什麼時候開始的"},{"start":10894.926,"end":10912.428,"text":"主委有沒有概念其實我們現在綠色授信的部分應該是我們現在金融機構都已經在做了而且我們也納入了很多我們相關評比的還有他們自己的內控制度裡面都已經在做了因為其實不管我們是啊所以外界才會質疑是說既然現在都已經有在做那為什麼是2028年"},{"start":10914.266,"end":10932.793,"text":"才會有一個經檢才納入經檢因為我們2028是有個時程那現在的話我們就按照時程來進行當然我們現在金融業所以滿意這個效率嗎還要再三年他其實已經很多開始做我們希望按照那個時程的時候我們才能夠用檢查來要求這件事情"},{"start":10934.346,"end":10963.171,"text":"這會不會讓大家外界覺得有點放水的嫌疑啊所以這這個就是昨天因為你們昨天出來之後媒體網路上討論也覺得是說這是感覺好像要給大家更多的放寬期那你會不會2028年之後還有再往後再延後的一個部分那我們講說如果說現在都已經有在做了大家也認為是說防止漂綠嘛你自己這特別講到是說永續漂綠避免漂綠的事情那既然這樣的話"},{"start":10965.324,"end":10972.096,"text":"現在還有需要這樣的時間到底是效率不彰還是認為是說哪些大企業沒有辦法配合主委是不是再說明一下"},{"start":10972.879,"end":10999.395,"text":"我想剛才委員關切確實就是大家可能會希望說當然這是一件好事還是三年的空窗期也不是因為我們現在實務上已經如果有注意到我們各個金融機構對這個綠色投融資都已經非常非常的在意就是很在意甚至很多大家都會覺得是說它已經變成是一個熱門的議題了所以它甚至很多的投資者都會看到綠色的永續的它都會特別"},{"start":10999.855,"end":11020.203,"text":"好像變成是一個宣傳的一個大家都有這個心啦希望做這件事情我想因為我們站在一個監理立場比如說我們的很多的標準很多都很明確比如說我們現在對於碳排的計算這些東西呢我們有些地方還沒有很清楚比如說我們這個永續經濟活動指引我們也不是全面的推動所以有沒有一定"},{"start":11021.38,"end":11037.419,"text":"一定要2018年還是有沒有可能有加速的可能性當然說能夠盡早的這個鼓勵他們的話我們會盡快來做但是我們要有一個比較合理的這個明確的規定調適期讓我們才能進行公權力的介入"},{"start":11039.127,"end":11067.426,"text":"也不會再延後?有信心不會再延後?我們現在沒有這樣的一個計畫沒有這樣的計畫,就是2028年一定會實施對,我們沒有說現在開始推動就說我要延後,不可能啦對啊當然啦,所以說我現在在講的是說一個你既然現在聽起來是也不考慮提前嘛那本席擔心的是會不會2018年會有再延後的可能性?因為我們整個國家對近年這些都有一定的這個時程啦我想這個我們訂出來也會按照這個時程來進行好,主委那就"},{"start":11068.823,"end":11091.787,"text":"既然說出就要做到那再來第二個部分金融詐騙大家也都非常的關心我特別看了一下我們現在金管會的一個相關的防詐宣導有專區啊但是我說實在話這個專區讓大家還是覺得說是不是隔靴搔癢的我們持續在經濟上是有委員您的經濟的做法"},{"start":11092.794,"end":11116.28,"text":"對,就是我們上次有請我們同仁盡量去在我們的專區部分呢把實際的作為跟對大家宣導那比如說有些比較過時什麼的我們就應該把它...你有沒有看過您的專區?有有嗎?對,有那裡面告訴大家的防詐方法是什麼?比如說它很多的防詐的類型還有說我們該注意的事情還有我們現在的作為但點進去裡面到最後都是告訴大家"},{"start":11117.657,"end":11139.957,"text":"要記得撥打電話165來詢問一下那很多國人在講說我們金管會有沒有更積極的作為在於是源頭管理的部分當詐騙集團把錢騙去的時候大量如果說那個金錢被詐騙了大量的這個叫不正常的去提領款是"},{"start":11140.898,"end":11158.667,"text":"這個能不能做一個試鏡不要說讓詐騙集團被騙到之後馬上他就把錢領走了那從一個專區沒辦法看出我們所有的在比如說我們在銀行端、帳戶端所做的努力很多東西我們也不能在那邊大張旗鼓的去說就像"},{"start":11159.327,"end":11181.302,"text":"我想現在很多的我們對一些警示帳戶很多帳戶的管理我們的機制陸陸續續都持續出來所以我們現在有很多像剛才講的最重要我們在做帳戶的管理這件事情對還有像比如說我們對一些比如說我們剛才提到大家關心的比如說比如外籍人士離開以後那些帳戶就其實我們都在做很多很多的這樣的處置否則的話這個詐騙的帳號會使用會更多但是剛才講"},{"start":11184.784,"end":11193.876,"text":"比如說我們有研究各式各樣的方法來降低這個比如說詐騙的可能還有就是讓他的賬戶的成本提高主委 是喜不喜歡看電影"},{"start":11196.042,"end":11215.899,"text":"家裡有沒有Netflix沒有沒有串流平台沒有時間看Netflix十月我推薦一部電影我覺得這一個也真的是我們監管會所有同仁都應該要去看不是要幫他打廣告但是他是Netflix十月台灣地區也是No.1排行第一的電影叫做《孤注一擲》"},{"start":11216.88,"end":11242.341,"text":"他是大陸騙2023年的他裡面演的就是詐騙的猖狂包括說人頭怎麼樣被騙到國外地區包括年輕人怎麼樣被囚禁包括說怎麼樣利用金融的漏洞來去詐騙甚至他裡面就提到800萬的現金匯到海外之後他們用車手每個人發金融卡馬上在短時間內把那800萬現金給領出來然後就變成詐騙集團就得手了"},{"start":11245.484,"end":11274.329,"text":"那這一個部分就是我們過去到現在其實有關注的就是說當有一個戶頭裡面突然間匯出或匯入大量的資金而大量的資金短時間內被不同人在不同的ATM領出去的時候其實我相信以現在的科技以現在的技術絕對可以做一個示警那能不能做這樣一個示警先把它做一個短時間的凍結確認說這個客戶他是確實是要做這樣的一個交易來防止可能的詐騙"},{"start":11275.289,"end":11304.609,"text":"其實我們金融業在做疑似這個賬戶其實已經做很多這個我應該提醒我會請他們開始去去查一下有沒有這個我講的其實也都是大家只是說這部電影只是他把它拍出來但我要的其實是我們金管會的同仁因為主委大家都對你有期待我希望的是我們的金管會真的能夠看到人家會拍出這部電影說實在這個詐騙手法說不定已經兩三年前了"},{"start":11305.389,"end":11305.749,"text":"王士堅委員質詢"},{"start":11339.331,"end":11361.903,"text":"謝謝主席我請金管會彭主委好請彭主委財政部今天財政部今天沒有到今天沒有到就金管會委員好那個彭主委是委員好你看我問你說這件事你看該不該金管會管金管會下面有銀行局嘛有"},{"start":11362.608,"end":11380.663,"text":"我先前在講我們臺灣房地產為什麼高有一個原因就是說我們銀行體系把大筆的金額以低利的方式貸款給很多不孝的建商讓他們去養地、買地、圈地"},{"start":11381.656,"end":11410.435,"text":"那這些我就一一的查證那也請銀行局提供就是說因為我們央行有一條管制就是你建商空地貸款那有限制你必須在18個月一年半內要動工這一條應該嚴格執行那我就問了問銀行局說那你們有沒有去查查我們先講九大公營航庫就好你管管九大公營航庫他們有沒有去落實這一點"},{"start":11411.996,"end":11434.758,"text":"銀行局給我的答覆你的手下給我的答覆是說這一條應該是中央銀行管的他們不管啦這個不在他們的業務範圍內所以那個主委我就一一的問了九大公銀行庫我自己去把它拼湊出來的金額天啊"},{"start":11436.243,"end":11462.269,"text":"九大公營行庫貸款給這些不肖建商去購買空地超過一年半都沒有動工的高達兩千億兩千億我一家一家問出來的這裡面最惡劣的金額最大的一千一百七十八億竟然是國營的"},{"start":11465.256,"end":11484.417,"text":"最大的前三名土地銀行那土地銀行這麼傲慢的態度我們銀行區拿到一點辦法都沒有因為三商銀有啦 義銀是模範啦義銀只有12億他在這個部分的貸款700億"},{"start":11487.948,"end":11493.371,"text":"7000多億裡面他只有12億當然華銀、彰銀要再加強一下啦這個有100多超過133億、148億華銀、彰銀當然對不動產這個貸款高一兆5000多億那你有133億這個比例也很高最惡劣的就是土地銀行"},{"start":11510.543,"end":11523.301,"text":"土地兩大可以推說我是專業我就是做土地啊做房地產融資可是他變相的在幫助這些不肖的建商去買地、養地、圈地"},{"start":11524.634,"end":11548.917,"text":"那所以你認為呢你認為這個該不該銀行去管該不該我們金管會來管你認為中央銀行加注的這條限制是不是在貸款條件銀行授信貸款給建商的時候那貸款合約上面就註明了如果建商違反合約規定"},{"start":11549.897,"end":11562.207,"text":"這些銀行局要不要管?你認為?上禮拜委員有關接這問題那我們就有去了解剛剛數字確實像委員提到的在2116億那我們這個部分這是一個"},{"start":11569.432,"end":11584.922,"text":"央行有這個規定我們當然是我們在我們是金融業的管理機關我們在檢查的時候呢一定也會去針對這一項是否有符合規定我們會去檢查這塊確實是我們會來處理啊會處理要怎麼處理是要求建商"},{"start":11586.142,"end":11605.247,"text":"應該立即還款立即動工要怎樣他要馬上動工動工他要有規劃要有申請建築執照等等我看他們就是拖著耗著嘛他們可能就是憑借跟銀行良好的關係我在"},{"start":11606.954,"end":11635.708,"text":"三個月前我就列出十大二職建商貸款金額喔他們負債金額這十大都負債金額都70%以上最高的負債金額竟然高達89%天啊他用我們善良百姓辛苦賺的錢存在銀行的錢被他們用那麼低的利息拿去買土地"},{"start":11637.399,"end":11662.125,"text":"來炒作房地產然後逼使我們國民我們這些消費者們去購買他們高價的房地這是這多可惡的事情欸要把關的首當其衝你啦!金管會跟財政部財政部也有關九大公營行戶董事長、總經理都他派的"},{"start":11664.453,"end":11679.044,"text":"關股這些股份都在他手上當然啦我認為你們銀行局的責任是比較大因為銀行局有專業的這個金融專業可以去應該去查查不是嗎"},{"start":11680.309,"end":11699.919,"text":"那這個責任是不是由金管會由你們銀行局負責那你要再來你要怎麼處置他們處置這些預期的建商收回還是怎麼樣報告委員這個齁我們如果查到有這個情況的時候呢我們會請他做改善改善當然有些比如說可能調整那個貸款的條件"},{"start":11701.98,"end":11713.797,"text":"還有就是有些比如說後續真的跟原來目的不符的話那可能是要做一些後續的處理這個部分我們會因為我們已經提那個查核已經提改善意見請他們來處理這個事情"},{"start":11716.767,"end":11735.081,"text":"你多久給我一個答案比方說土銀1180億這麼高的金額而已請他詳細列出來早點工作給他做嘛叫土地銀行說這1180億到底哪幾家啦是不是那些二職的建商"},{"start":11736.465,"end":11757.387,"text":"有一些建商我上次舉過這十大二值建商他不只炒作房地產他不只高負債他在工地安全這個我們企業我們政府正在希望推動ESG他完全違反ESG各項對企業"},{"start":11759.588,"end":11785.563,"text":"他們的要求企業主該負的責任沒有一項做得到公安最多的也是這十大要不然就是不幸讓工人身亡、重傷一堆臺中那一件還搞到臺中的捷運垮掉這些都歷歷在目就是這些會犯這個規的同樣在貸款的時候也是有那麼大的問題"},{"start":11786.687,"end":11811.904,"text":"他就是先借到再說啦借到阿你們賠最大啦他就是這個意思阿人也鹹鹹阿不然你來拖是這樣子嗎是這樣子嗎還有順便查一查這是不是有人為的勾結啦有人為的勾結因為擺著這個這麼明確你錢就是要借他去購買空地去炒作土地"},{"start":11814.108,"end":11823.244,"text":"這很清楚的嘛我認為銀行金融業尤其土地銀行他是我們公營行庫裡面非常非常"},{"start":11824.983,"end":11847.705,"text":"高數值的人員去的航空百分之百關股結果竟然這樣子我高度強烈質疑這個有勾結好不好那另外我先前就講我們推亞太金融中心我們亞太資產管理中心我們希望國外的資金來給我們臺灣管結果我們自己的資金我就舉授權就好"},{"start":11849.565,"end":11873.992,"text":"三十二兆的資金有百分之七十二十二兆跑去國外投資我們自己的錢跑去給國外管難道我們要說服世界各國說你們的錢要讓我管那奇怪這一點矛盾這造成兩個大問題第一個問題我們在國外海外投資買這些債券基金匯率的風險第二個戰爭的風險"},{"start":11878.074,"end":11900.311,"text":"兩個多月前、三個月前就跟你提到說我們有7家受險總共持有1357億的俄債俄國的債券這些現在風險都來啦從5月開始他們就不給付利息啦問他們要利息他們說戰爭打完了再來算天啊1357億現在"},{"start":11903.755,"end":11927.071,"text":"光這7家授權公司他們抓預期的損失預期信用時他們已經抓了210億1357億就抓了210億做預期損失這很天...我覺得這個實在是很莫名其妙二屋打仗臺灣中槍二屋戰爭我們受傷會很奇怪嗎"},{"start":11934.011,"end":11954.171,"text":"我們遠在地球的這一頭我們又沒招誰又沒惹誰哪有去賠這麼多錢星光人獸的資本氏族率也因為他也加入這個啊1357億我相信你們去查就知道所以導致他資本氏族率也受到影響啊"},{"start":11956.344,"end":11970.269,"text":"當然希望能說還有其他問題啦這個改天再說但是我認為這個部分要立刻這個趕快立刻積極做也就是說你們應該洽請財政部洽請財政部就針對這些資金我們放眼放腦的要他們"},{"start":11976.34,"end":11986.84,"text":"陸續回到臺灣投到我們臺灣的公共建設他們那些藉口通通不能算他說第一點我們臺灣利率低第二點他說我們臺灣市場小沒得投資"},{"start":11988.1,"end":12008.89,"text":"利率低這些受險公司也是因為這麼低的利率我承認我們臺灣利率低但是受險公司也是以我們的低利率下去算期望值賣給我們的投保戶不是這樣嗎他也是低利率啊低利率的期望值賣"},{"start":12010.373,"end":12039.845,"text":"那他憑什麼跑去國外說海外這些利率高我要去多賺一點賺他們賺賠我們所有保險人賠這是非常可惡的事情第二個他說市場不大所以我認為你們要跟台中部好好合作也就是說我們台灣公共建設需要錢我們不只社會住宅不只這些交通建設捷運這些台鐵機場的擴建這些等等"},{"start":12040.475,"end":12065.562,"text":"我們還有長照啊我們長照更是需要相當金額的投入所以應該就是輔導來交通單位內政部的各單位還有衛福部關於長照的部分輔導他們來設立債券設立這樣子的債券基金然後讓我們回到臺灣"},{"start":12067.987,"end":12093.437,"text":"不然我們自己回來買就對了我們各項的公共結算都有很多自償性啊也有利息嘛要買就買臺灣這才有道理投資臺灣自己錢留在臺灣我們自己管理自己的錢這樣我們才能成為說亞太資產管理中心我們才有說服力說服國際上的錢說你的錢來讓我管"},{"start":12094.597,"end":12104.601,"text":"要不然70%給國外管的時候,我們只能說服誰?說服非洲的小國而已,不是嗎?好,謝謝謝謝委員,謝謝委員提醒接著請楚英委員質詢"},{"start":12121.095,"end":12124.342,"text":"謝謝主席辛苦了有請彭主委好彭主委謝謝"},{"start":12128.374,"end":12152.431,"text":"委員好主委好因為外委會的委員時間比較短我就先抓重點直接來問一下就是我相信其實主委來自於這個業界那我今天要提問的是跟保險相關的提問就是我們現在的車險的部分電動車然後燃油車跟這個所謂油電混合車基本上現在大家都知道就是電動車因為它結構的問題那麼"},{"start":12155.951,"end":12184.916,"text":"電池是他的心臟那麼對於他來講他的出現根據媒體的報導就是他的車損率高達72%媒體是說如果有100元的話那麼有72元就要做理賠了那麼對於很多的車主來講如果是傳統的燃油車的話那麼是不是就會變成是說我放在同樣一個破裡面我同樣都是汽車的保單可是呢我是電動車我是油電車或油電混合車這個本身在整體的理賠當中是不公平的"},{"start":12185.296,"end":12214.605,"text":"那我們知道現在到4月我們就會有所謂的這個油電電動車相關的這個保單了那麼但是在這個保單的使用上面是不是應該要區分那麼真正的屬於電動車的這個保單什麼時候會上路這部分我們在那個我可以請局長跟您回答這個問題嗎好是報告委員那個保單的部分我們9月1號就上路了"},{"start":12215.581,"end":12244.256,"text":"9月1號會確定上路是那麼在汽車強制責任險的部分會有區分嗎因為我們知道現在的強制責任險的部分就是只有分機車、汽車那麼在這個部分如果說電動車箱型上就會覺得說電動車它本身它的理賠率就是車損率比較高的時候那麼在第三強制責任險的部分要做一些區分嗎還是說目前還是維持原有的因為我們知道"},{"start":12244.736,"end":12256.845,"text":"我們之前也曾經討論過就是有關於如果是電動的輕型腳踏車那麼我們其實是要把它納保嘛那麼在這個部分強制責任險有需要做跟進嗎費率有需要做差異的費率嗎"},{"start":12258.487,"end":12286.254,"text":"目前有討論嗎是報告委員那個電動汽車的部分這部分是那個電池方面就是能源部分的一個差異那這部分在強制車險部分目前是沒有一個差異好所以說目前就是有關於電動車專屬的這個相關的保險就是9月份會來上路是但是現在本席收到的狀況就在像下一張目前電動車是不是沒有秉持車險也沒有人來承擔"},{"start":12288.314,"end":12308.063,"text":"所以是不是在電動車的保單當中相對的多樣性是比較少的我現在目前所得知的這個比如說像以特定的這個廠牌他們的車主來講他只有三家願意承擔那麼9月1號上路之後是不是可以讓電動車的保單多樣性可以有一些增加呢 局長"},{"start":12310.087,"end":12336.887,"text":"報告委員那個假是以是秉是目前是都有的都有的對好那麼言下之意就是說對於因為我們知道現在開電動車的人越來越多那麼某種程度上也會認為電動車在對於環境上面是相對的環保的包括歐洲有許多國家甚至於是認為說電動車是他們接下來的另外一個趨勢所以在保單的部分的多樣性可能就要請金管會再多了解"},{"start":12337.287,"end":12362.667,"text":"但是本席一直非常關注的就是我說這種車聯網車其實事實上也就是電動車它的核心就在於它的電池電池自然我相信除了臺灣之外國外也有非常多的案例那麼本席非常關注的就是所謂中國製造的電動車是不是入侵臺灣又或者是說中國製造的電動車當院長也認為"},{"start":12364.729,"end":12377.406,"text":"電動車是中國製造尤其是電池來自中國的時候必須要嚴加控管那麼本席想問的就是那電動車的產地尤其是電池的部分要不要納入風險係數的考量呢"},{"start":12380.349,"end":12405.685,"text":"過去三星曾經使用過中國的電池發生過在飛機上直接自燃手機的狀況那當然這是手機那麼我們現在在電動車當中最重要的核心就是它的電池那麼對於來自中國的電池或者是來自於中國產地這樣對於電動車最重要的核心的部分有沒有考慮"},{"start":12406.806,"end":12415.745,"text":"納入投保的風險參考的係數這個可不可以思考跟規劃一下謝謝委員指導那這部分我們納入後續的一個演繹參考"},{"start":12418.131,"end":12442.143,"text":"我本來還有下一個題目但是因為時間就快要到了主委我會特別提電動車的原因是因為我想電動車無可避免的它會成為未來在這個車用上面非常重要的一個趨勢那麼對於保單的優化然後對於投保人會可以有更多的選擇這個部分本席提出來也希望金管會能夠了解"},{"start":12442.563,"end":12460.435,"text":"最後就是有關於電動車的核心就是電池當電池來自於中國而中國電池的安全性受到質疑的時候就是第三點我希望對於車輛、產地的係數納保的部分能夠來做一些考量好嗎就是這三點"},{"start":12461.415,"end":12477.062,"text":"好 謝謝委員的那個建議我想第一個提供因應環境的變化提供多樣化的產品滿足市場這絕對是這個市場要做的那再來考慮到風險真實的反應它的費率也是應該要做的好 謝謝主委"},{"start":12480.928,"end":12493.816,"text":"主席在這裡做一個報告一下如果我們就是受訪的委員我們希望就是說在會場以外受訪謝謝那接著我們請吳宗憲委員謝謝主席我們請今晚會主委好請主委"},{"start":12513.709,"end":12528.778,"text":"主委我主要是要跟主委討論一下虛擬貨幣的問題這部分我主要是從司法案件的角度切入下去了解一下就是說去年我們統計詐騙案件是3萬多件那這3萬多件裡面有1萬多件是虛擬貨幣那它佔的金額是53億"},{"start":12535.282,"end":12562.009,"text":"那跟全年的詐騙金額88億其實它是佔了6成的以上所以說詐騙集團很喜歡用虛擬貨幣把錢匯出方便把錢匯出去這個其實是一個現在實務上面的問題那前沒有多久桃園地檢署才起訴了一件就是詐騙集團勾結的律師還有臺銀的行員就把騙來的錢1.1億用泰達幣他把它洗到國外去"},{"start":12563.109,"end":12591.828,"text":"主委我想跟你說明一下我們刑案辦很久了我很理解一件事情任何一個財產犯罪人民最在意的是錢拿不拿得回來至於被告會被判多久那是次要的事情他們最在意是怎麼樣把錢拿回來可是呢這段時間不管破獲再多的機房再多車手錢還是沒有辦法留在國內甚至回到被害人的手上所以我想請教主委現在透過洗錢防治法"},{"start":12593.249,"end":12608.336,"text":"遵循聲明的虛擬貨幣業者現在目前到底是幾家現在總共有26家那有幾家是外國的現在詳細數字應該只有一家一家是外國的那我請教一下那你要怎麼樣"},{"start":12609.864,"end":12624.623,"text":"掌握人民的錢被洗到國外去如果照這樣講你看有八成的臺灣照遠見的那個調查有八成的臺灣人他是把虛擬貨幣是投資在國外的交易所那如果照你這樣講的話那其實對國外的交易所根本"},{"start":12625.684,"end":12652.791,"text":"劃外之地嘛你沒有辦法掌握嘛對不對然後3月我記得今年3月的時候金管會來這邊備詢有委員就是有提出說這個境外交易是目前最大的洗錢漏洞政府要趕快管那你6月的時候來這邊備詢你也有提到說你說對這個問題啊你會找國外的政府還有機關合作還有一些國際組織來合作共同解決主委這是你說的對不對是"},{"start":12653.311,"end":12661.009,"text":"好那現在10月了啦除了剛剛說那26家本國還有你說有一家那個他國的啦那到底"},{"start":12662.011,"end":12689.178,"text":"有在臺灣我們民眾能使用的這個虛擬貨幣的業者有多少家我想這樣好啦全世界幾千家嘛對不對可以使用的有幾千家嘛對不對對非常多好那你現在控管到的就是國內26國外1家這是你們目前能控管所以我請教你6月的時候你備詢的時候說會跟國外政府還有國際組織合作那目前掌握了哪些國家有哪些國際的組織跟我們合作"},{"start":12690.782,"end":12704.993,"text":"我們現在當然是跟洗錢組織是合作最密切反洗錢的組織哪一個反洗錢組織?就是我們的亞洲反洗錢的APG來我們這邊做鑑定的那個APG上次我們還有辦評審員的訓練其實我們在這方面一直都從那邊得到很多的協助跟資訊"},{"start":12712.219,"end":12740.938,"text":"但是不管怎麼樣齁你看一下你跟APG合作而已嘛那APG它也不算是一個什麼官方的組織嘛那你這樣合作效果在哪裡或是它的會員國也有限啊它不是全世界都是它的會員國嘛因為我這個我以前在法務部也是受那個洗錢防治的訓練都有看過這些資料但是現在有個問題就是說像你剛剛講的國內26家、國外1家但是我剛剛有提到世界上有幾千家等於是無法管理"},{"start":12741.698,"end":12769.606,"text":"照這個比例來說我們現在那個打炸事法裡面通過有一個就是我們這次把那個VASP的帳號已經納入跟那個電資信用卡跟銀行帳戶一起來做管理啦那比如剛剛委員提到那個錢還不回來我們那個條文裡面也有提到假設我們查扣的話經過比如說可以有更快速的法源可以返還這個錢你講的是查扣嘛對不對但是我現在要告訴你的虛擬貨幣的問題是它馬上匯出國外啊是查扣不了"},{"start":12770.646,"end":12795.741,"text":"我們在實務做了那麼久了是查扣不了不是說查扣拿不回來我想主委你要弄清楚這件事情好不好那因為太多錢流出去所以6月的時候檢察官有開一個研討會他也是一直在罵說儘管會是消極的不管理消極的不管理這是檢察官們在研討會的時候的結論所以不但控管不了案子也讓民眾的錢留不在臺灣就都匯出去了"},{"start":12796.221,"end":12820.952,"text":"那控管不了就會發生前端應該控管好的行政機關沒控管好搞得後端的司法機關焦頭爛額所以我跟你說齁我覺得啦我們現在要注意幾個點就是說你金管會應該做的事先你要我們在預防那個虛擬貨幣的犯罪嘛那事終我們要想辦法把被害人的錢留在臺灣那事後我們就透過執法去找到這些犯罪證據對不對所以齁"},{"start":12822.273,"end":12841.289,"text":"我還是要麻煩你們金管會不要把問題丟給後端前端沒有管理好後端都很難管理所以這個問題麻煩你們注意還有就是最後最後30秒其實我知道你們不是只有管這個洗錢這件事情其實整個市場的交易"},{"start":12842.62,"end":12859.699,"text":"一些交易的安全、健全消費者保護嘛那資訊安全、貨幣發行這個你們都要控管但是你們可以藉由落實這個控管可以去達到監督的效果不要讓後端的司法機關讓那些檢察官、調查官、警察一直罵你們金管會他們罵很兇"},{"start":12860.76,"end":12876.765,"text":"然後民眾也氣得半死因為我跟你講雖然我們的法制化大概是中斷在世界是中斷班對於這個虛擬貨幣的法制化是中斷班但是我們國人使用網路的那個比例太高所以你一比較起來那個數字就很可怕"},{"start":12877.185,"end":12903.481,"text":"其實謝謝報告委員其實消極不作為這樣的指控是對金管會是不公平的啦因為其實我們在過去很多作為我們也針對這個做專案報告所以說其實上當然指責很容易但是我覺得我們還是會努力來做剛剛委員指正了這個東西可是就只有你們能管啊你說這個指責不公平那只有你們能管別人管不了那你說我管不了就算了嗎不是只有我們比如說還有其他的部會也都要一起來努力一下沒關係啦就是說"},{"start":12904.401,"end":12921.577,"text":"這樣啦那還是請金管會兩個月內能夠交付一個報告全民痛恨痛恨詐騙然後錢迅速流到國外在座的每一個人委員大家都有同感好不好國人也很在意這件事金管會主委這是你主責的事情麻煩你好"},{"start":12922.358,"end":12931.723,"text":"把這個事情再落實那兩個月內能夠給我們一份報告看接下來怎麼去控管這個虛擬貨幣的部分謝謝主委謝謝中線委員接著我們請楊瓊英委員質詢謝謝主席本席想邀請主委主委委員好"},{"start":12950.438,"end":12979.758,"text":"主委在推動亞洲的資產管理中心政策上你在10月24號前幾天我們看到你的訊息要帶動整個臺灣金融的產業持續進步目前我們整個亞洲資產管理中心所需要的法規、架構都已經規劃完成嗎?初步第一階段其實這個法規是非常龐大的計畫我們針對金管會所轄的部分我們先處理"},{"start":12980.738,"end":13006.057,"text":"就是你們的部分已經都完整嗎?對,其他各部會的還在做化裝飾所以金管會會跟你宣布了會跟高雄市政府來合作那其中一個城市要提出首個亞洲資產管理中心的示範區一個資產管理專區一個資產管理專區那這個計畫大概什麼時候進行然後什麼時候會完成呢?可以去執行呢?"},{"start":13010.4,"end":13024.469,"text":"最近都跟高雄市政府在做非常密集的協商比如他們那邊可以提供什麼樣的一個行政上的誘因我們這邊就是鼓勵金融業者能夠到他所提供的場地還有這些"},{"start":13025.71,"end":13042.885,"text":"長所去做一個據點的設置比如說把我們的私人銀行那個境外分行的實體分行能夠在那邊設置然後形成一個專業人士的群聚然後來慢慢的那個建置一個所謂的資產管理的專區能夠做境內跟境外的管理"},{"start":13044.52,"end":13071.489,"text":"那這個呢本席要跟你討論這都很好也是一個示範區但是我告訴本席告訴你的我們的台中你有沒有看到台中上次有委員關心我說任何城市我們都非常的歡迎來跟我們一起討論那你就要積極囉因為台中是目前是在全國裡頭我們在盧市長的團隊領軍大家努力我們是全國投資額最高"},{"start":13072.589,"end":13095.834,"text":"各項的評比也都低迷位置也都非常的適中所有的我們現在臺中市最缺的是什麼高級的商辦大樓那為什麼呢因為全世界各國都希望來臺中進駐所以我們才能夠達成這樣的一個成效所以我積極的建議主委臺中是你最好的選項"},{"start":13097.794,"end":13119.626,"text":"你如果將我們亞洲資產管理中心它不是示範而是執行區那你的成效絕對是事半功倍你的看法呢我想剛剛跟委員報告過因為高雄它過去幾年已經開始有做一些準備而且很多已經被完善任何一個城市我們都歡迎它發揮一個特色來跟我們來"},{"start":13120.726,"end":13139.869,"text":"想念這個活動你積極好不好開個窗口跟我們談我們臺中市中委非常樂意我們希望在我們亞洲的資產管理中心能夠在我們的臺中那因為就陳儒我們之前跟國發會主委在討論AI園區所以現在國發會也非常的積極"},{"start":13141.345,"end":13162.418,"text":"他們密切的在合作所以我就具體建議也得到你的應許我很高興所以我們一起加油好不好台中市是一個非常好發展而且可以幫助整個臺灣的一個金融產業是我們歡迎任何一個城市都來參與因為我們知道資產管理能夠增加大概您所預估的是5到6兆"},{"start":13163.058,"end":13186.895,"text":"你也是希望4年能夠增加到10到12兆6年能夠增加1兆美元所以在這樣子本席要告訴你的是如果是只有一個示範區是不夠的那當然這是全國的意志來做是當然的所以我們的方向是一致的所以我們台中務必要達政成功好不好"},{"start":13187.695,"end":13206.951,"text":"我們一起來努力也歡迎各個城市如果他有這樣的一個規劃可以跟我們聯繫積極聯繫積極推動那接下來本期要請教南非南非這個事件發生之後10月24號你們也表示了那你們會對南非的負險的這個呢大概有641.86億"},{"start":13210.013,"end":13216.156,"text":"受險佔最多500多億、574億那其餘的是它為國營我們國營的這個部分是67.86億那我們國內對於整個南非幣的計算這個基金我們也達到了2666億所以在這樣的情況之下"},{"start":13232.561,"end":13257.459,"text":"請教主委你的作為怎麼去應對其實剛剛也有委員關心這件事情因為第一個當然就是說這裡面很多都是各式各樣的投入有些是比如說直接購買他的金融商品那有些是比如說對他的一些放款有些是你講到重點了也就是他的政治風險增加的時候那金管會你是不是會提高南非幣計價商品的風險的這個權數呢"},{"start":13259.56,"end":13277.771,"text":"會不會當然有關風險的部分這是一個很客觀的數字對齁應該是比如說我們站在風險觀點的立場應該就會真實的反映它真實的一個情況對包括那會計制度也會它的政治風險是增加的啊對就是說像比如說剛才提到俄羅斯它的會計制度那你要怎麼應對呢"},{"start":13278.952,"end":13305.953,"text":"第一個當然就是我們金融機構他們本身來講的話他很多這種投資都已經是個契約在那邊了就也沒辦法說立刻就說做這個但是我們希望第一個那你就看他曝險危險當然不是像我們後續來看的話就像比如他投資的當下是沒有問題當然後續的變化他應該有各自的他們的自己的那這些變化怎麼辦我們面對到這樣的問題不希望面對但是"},{"start":13306.994,"end":13327.859,"text":"就是已經面對所以你去盤點精準方案好不好是,我們會來持續的請金融機構關注對,你把方案給本席,但你們如果問他這樣的問題要怎麼去應對好不好,多久時間可以給本席我想差不多一個月之內給你一個報告好,一個月齁我最後一個議題給你這個功課也就是說我們的這個身障朋友"},{"start":13329.076,"end":13354.881,"text":"我們希望有善的金融有善環境那你們也提出了龍溪式的ATM我這很感動很感動但是這是你剛開始一兩個月在推動那也有很多的銀行都願意配合的這個便利商店但是我看到也就是說實際上你會有困難因為它寄來的這個寄來的這個它的環境"},{"start":13357.421,"end":13374.533,"text":"所以本席要建議除了我們的自己的銀行是不是率先的先來努力的來推動至於便利商店因為現在很多人的生活會在便利商店每天息息相關那你們是不是應該要有一套方法"},{"start":13375.393,"end":13389.925,"text":"去告訴便利商店請他來協助那你不告訴人家那你也沒有什麼誘因誰跟你跟你做呢你們有沒有方法這裡齁就是友善金融公民擔心努力點30秒好那我拜託你好不好因為你剛開始我很重視這個方案龍溪的這個金融友善"},{"start":13398.231,"end":13398.992,"text":"主席我們請主委請主委"},{"start":13427.14,"end":13446.264,"text":"這個警政署的那個打詐儀表板有統計今年8月的詐欺案件的財損數在離島地區金門、馬祖、澎湖這個三個離島地區在8月份的財損攘闊了前三名增加了財務損失馬祖增加一千多萬"},{"start":13447.984,"end":13464.813,"text":"然後金門增加了2000多萬澎湖增加500多萬以比例來講前三名增加幅度來講成前三名那可見詐騙集團可能認為立法院居民好騙吧矛頭對準我們這裡你的想法是怎樣你覺得可能原因是什麼"},{"start":13467.396,"end":13496.42,"text":"這個當然原因很複雜還要看他那個詐騙的類型不過就是我們現在看到最多詐騙的類型應該比例最高應該投資詐騙也許是因為資訊的關係導致他們對這個警覺性比較投資管道可能比較缺乏比如在台北市可能接觸的方方面面的人可能相關的投資管道可能會比較多的訊息或比較容易知道說這個是詐騙那當然還有一個可能原因是因為離島居民的儲蓄率蠻高的"},{"start":13496.8,"end":13519.29,"text":"就存滿多的以我們金門來講現在民間的存款你知道金門民間存款有多少錢嗎這要請委員指示你猜看看我們的戶籍人口是14萬長租人口大概一半吧7萬你要不要猜看看是有平均高於全國的水平嗎全國水平是多少呢平均存款這個"},{"start":13521.752,"end":13539.138,"text":"我們今天的儲蓄不是儲蓄率就儲蓄的總金民間儲蓄的金額是一千多億一個大概十萬人的地方儲蓄存款這不是算投資不是算房地產就存在銀行的現金今天如果每個人都去領可以領一千多億出來"},{"start":13539.818,"end":13565.425,"text":"所以說這原因當然你不能說金門賺比較錢因為金門所得是比較低的相對臺灣平均是比較低的但可以存這麼多錢其實另外一個角度來看就是因為我們金門非常缺乏投資的管道所以當然要看到LINE上面網路上有一些說這個某某某可能名人或什麼有什麼訊息投資很多尤其很多儲蓄人都是比較有公教人員退休的比較省吃儉用實際上我也接到陳情安"},{"start":13567.245,"end":13568.066,"text":"銀行、帳戶、管扣"},{"start":13589.747,"end":13604.253,"text":"第三方支付、虛擬貨幣信用卡、完善、虛擬貨幣等等很多的東西我看到你們在做這個防詐的部分當然有做一些努力但是我們看到的在金管會"},{"start":13604.773,"end":13627.007,"text":"一百一十二年十一月十五號那時候有請銀行公會做一個移設詐騙境內金融帳戶的預警機制你們有規劃有七家本國銀行先行事辦其他本國銀行將陸續上線嘛那即便你們這樣做審計部在你們這個這個算防詐是重要施政的這個查核報告裡頭有說這個預警機制就是設詐境內的帳戶預警機制轉入帳戶的灰色名單的平台還要"},{"start":13632.33,"end":13646.246,"text":"持續追蹤辦理、研議、擴大金融機構辦理首長請問說你們這個機制現在的進度是如何現在這個陳副委員關心我們有兩個一個是移設詐欺境外帳戶因為實施成效不錯那從我們111年開始做"},{"start":13648.368,"end":13675.553,"text":"原來7家現在有擴大嗎有有有我們接下來馬上會增加10多家明年應該全部都會全面性明年是110人就全面性的會實施對就是境內疑似帳戶的那個預警帳戶這個其實是真的蠻重要的這樣子就是被詐騙的話匯進去剛吳中興委員說很多人債務不是你抓到就抓翻是被詐騙是不是可以拿回來這個其實很重要然後你們的業務報告"},{"start":13677.253,"end":13701.681,"text":"這個要繼續努力 詐騙大概是太猖獗了第二個你們的郵報有提到說對高齡金融的行動措施高齡經濟或者現在所說的壯世代我也希望你們要繼續提出一些措施不要讓這些高齡的這些長者或是壯世代退休人的錢都變得好像那個詐騙集團眼中的肥一樣這一點可能你們要再提出很多的措施這個請你要繼續努力"},{"start":13704.702,"end":13729.219,"text":"然後接著我們提到我們上次提到一個你準備做一個TISA嘛推出準備規劃的這個帳戶那上回我聽到您在說當主席聽到您在說日本的有INISA是稅嘛那因為我們本來就沒有什麼資本利得啊這個證交就不用稅證交所得就不用繳稅那所以爭取租稅減免在臺灣比較困難這上回你說的嘛爭取額外外加的就外加比較困難因為本來就有些稅是"},{"start":13730.48,"end":13745.33,"text":"這個跟日本可能就不一樣但是你看到日本你也知道日本是今年已經擴大到免稅期間無限期免稅投資金額達到1800萬日元在台灣這個要做亞洲資產管理中心或者說我們要做一個金融特區的這個情況下"},{"start":13747.211,"end":13775.987,"text":"如果只是像很多委員說你只是把所有的優惠包在一起是只是讓好像禮專讓一些禮專當然有更系統性的去介紹相關的金融產品當然賺其中的手續費以外這個對國人現在國人的誘因在哪裡啊感覺就是沒有什麼特別的誘因啊為什麼國人要特別去參加你這個TISA的這個賬戶沒有誘因啊我們上個禮拜討論過很多嘛是是是"},{"start":13777.627,"end":13802.352,"text":"當然就是說我們剛剛也有人關心這個問題就是因為確實我們的稅制比較特別對我上個禮拜講過所以我知道說因為本來資本利得我們本來就沒有稅但是如果你沒有一點點誘因的話不管不一定說稅或者是一些政策上的一些什麼誘因的話你要退這個會非常辛苦我們都希望你成功我們都希望這個臺灣戰爭成為亞洲資產公司但是說在地緣政治上有一些比較辛苦的還有"},{"start":13803.732,"end":13830.8,"text":"政策嘛 政策我們可以協助說立法院該修什麼法我們大家一起來推動但是你也要讓百姓覺得他可以接受或他願意去做這件事情啊你有什麼秘方嗎或你有什麼想法嗎現在好 各位委員大家好謝謝委員的支持我想剛剛提到我們這個部分我們先把這個制度建起來我們持續的去找到各式各樣的誘因比如說剛剛講其實我們也並不放棄其他任何的我們也在持續在加商"},{"start":13833.179,"end":13849.27,"text":"你隨便講一點看有什麼你覺得比較困難的需要我們協助比如說我舉例講這個稅來講對不對稅來講你們也許不好意思說因為同樣是部會經過立法院財政部可能說我堅持本來就是免稅不能再優惠不能再怎麼樣"},{"start":13849.71,"end":13870.422,"text":"譬如說我假設我們參考國外對於所謂的第二層的部分呢他們有像我們比如說我們現在已經有自提6%的那個就是自提6%可以遞減課稅那說不定可以朝這個方向來努力有沒有新增其他的稅務因為其他國家都有第二層的這樣的一個規劃譬如說我上面上個禮拜聽了一下稅領恩譬如說我們財源部的時候我們27萬的儲蓄免稅對不對27萬那個什麼免稅"},{"start":13874.324,"end":13899.706,"text":"因為你也可以在某個部分再做一樣不然你做27萬免稅大家就一直去要做到那個額度就存款嘛因為都有免稅你這個優惠可以換成是別的啊對不對對稅損來講也不一定會有那麼大的稅損嘛這問題就在27萬額度之內說不定可以做一些不增加新的稅務有沒有可能做到這一點我給一些什麼樣的政策讓這個你的提撒才可以推得成嘛當然謝謝委員如果只是把所有東西包一包放在某個地方我看所有的委員都說聽了20幾年啊"},{"start":13901.488,"end":13927.411,"text":"大家就會覺得好像舊瓶裝新酒事實上也是舊酒也了無新意你要推動也非常困難我們大家都希望這個是可以成功但是總是有一種如果是政府的一些平行部門沒有辦法做我們可以來協助在這部分你們要提出一些想法立法委員都希望社會進步的吧那講到這個資產管理中心大家都有提到但你也說其他很多縣市都可以做那當然現在討論比較多是高雄"},{"start":13928.092,"end":13952.711,"text":"那高雄的話那弱角高雄當初說的是說我不知道你們用什麼樣的規劃是用境外資產管理特區規劃呢還是會利用自由貿易港區設置管理條例的14條來解套這是雙軌的剛剛提到就是說假設用我們現在金管會所能用的政策工具跟地方政府能夠用的政策工具我們是不需要動用到這個所謂的這個自由貿易港區設置條例這是其中一個"},{"start":13953.331,"end":13972.146,"text":"那另外一個呢當然還有自由貿易港區設置條例第14條第一項他可以有一個設置一個對外國的資產管理公司那交通部的意見呢交通部初步來看我們正在溝通中溝通就是說事實上我知道上次在議院一邊提出來這個願記的就是部會之間提出來的時候我相信交通部好像對這件有保留吧"},{"start":13973.287,"end":13991.178,"text":"我們是持樂觀的態度你們持樂觀交通部呢我聽到他們說好像不怎麼適用吧我聽到的我的訊息是不正確的我還是希望你們可以過啦所以說如果這部分也需要跨部的溝通你也可以請立法院相關的其他單位也可以來協助嘛"},{"start":13992.318,"end":14005.843,"text":"不是交通部說不行就不行嘛我們要退一件事情這個是總統要退亞洲資產管理中心是總統要退的一個部會如果在法條上的解釋那麼過拘泥於法條上的東西國家到底是要怎麼前進嘛 對不對"},{"start":14007.663,"end":14033.273,"text":"我覺得金環有時候真的很客氣在跨部會之間財政部說不行啊這個稅不行啊那好啊我們在這個不做的情況下這個好江部說這個港區要10條之一這樣不行啊這個可能不適用啊因為從前都沒有這樣的例子啊可能也不是啊所以我們就很客氣好那我們再想辦法不好意思你要執行的對我們會來努力啦你要執行的是國家是總統的政策這些部會如果說這麼不配合總統的政策"},{"start":14034.033,"end":14054.45,"text":"不用這麼客氣讓大家知道讓立委知道讓政府知道讓百姓知道我們國家往前走不是有些人說這樣不行的不能因為一些保守的觀念讓國家不能往前嘛是這個好嗎?謝謝委員的這些意見所以第一個齁三件事情這裡面有一件也是立法院的事情TISA這個賬戶齁這個增加退休準備齁那這個政策怎麼推大家可以多多討論是"},{"start":14055.171,"end":14082.903,"text":"律師這個部分當然現在律師在上個會期在我們立法院已經過不知道為什麼又有什麼問題沒有你們可能要主動去來因為我們這個投顧投信法已經修了也出了委員會好像有一些小問題不知道是什麼問題也許你們也對我們會來努力趕快讓他通過很多法令過了20年都永遠過不了這樣子其實產業界都會慢慢的對政府這個失去這個信心那我們說招攬國際人才來臺服務或是把我們臺灣在外面管臺灣人錢的人的那些人回來這個也是"},{"start":14084.204,"end":14103.175,"text":"大家繼續努力了好 以上好 謝謝議政召委那接著我們請鍾嘉斌委員、鍾嘉斌委員、鍾嘉斌委員陳廷輝委員、陳廷輝委員、陳廷輝委員不到黃國昌、黃國昌、黃國昌委員不到接著我們請吳立華委員諮詢"},{"start":14112.331,"end":14140.718,"text":"謝謝主席有請主委有請主委委員好主委好首先我先謝謝財政委員會在星期一有到屏東去做原鄉的財政考察那在那個當中呢大家很關心的關於原保地能不能夠到銀行貸款當天原民會有表達他們已經朝你準備公告原保地貸款信用保證的作業要點"},{"start":14142.119,"end":14152.476,"text":"當天與會的金管會同仁也有提到會提供給銀行誘因但是因為沒說得很清楚是不是可以請主委稍微說明一下"},{"start":14153.527,"end":14174.698,"text":"我想這個其實也陳孟委員關心過很多次啦我們也是希望這件事情能夠趕快有個能夠在比如說銀行的他整個貸放實務上能夠更符合這個概念比如說在過去的時候希望有這個信保以後呢再來比如說他有公開的件價那再來就可以我們可以再比如說再把這個放款我們放在那個ESG的評鑑裡面"},{"start":14177.3,"end":14202.977,"text":"鼓勵我們的金融業能多多的照顧到這個普惠或是原鄉的這些的那已經寫出來了嗎對我們那個我們ESG那部分已經放進去了好那謝謝好謝謝那今天我看到業報有特別提到關於金管會的一些重點業務例如普惠金融或者是防詐的措施那我也要來關心這個部分因為"},{"start":14203.777,"end":14227.907,"text":"根據衛福部的資料今年來講65歲的失智人口高達35萬而且未來的10年、20年其實它成長的幅度是非常的急劇那在這裡也因此我們看到在眾多的詐騙行為當中其實我們的高齡者還有失智長者"},{"start":14228.467,"end":14253.441,"text":"他們已經成為他們的肥羊那不僅僅是黑道甚至是自己家裡人其實也都會利用長者的失智高齡來去做詐騙的行為所以在友善的部分我想這個部分當然是金管會很重要的一個業務那我也今早的報紙有看到主委您有提到"},{"start":14254.221,"end":14268.566,"text":"你們掌握到的現在詐騙最新的關鍵字已經不再是如果有行員問你提這些錢要幹嘛已經不再是被教導的我要去做裝潢喔你說是要買黃金"},{"start":14269.926,"end":14298.633,"text":"那麼我想詐騙手法是推陳出新啦可是我們來看一下高齡遭詐騙的前三名的類型我們看一下他是平均每天都會發生十幾件而且是屬於假投資或者是冒用親友的名義借錢還有我們常常聽到的你的帳戶被凍結所以要趕快怎麼樣所以我想要先請教主委"},{"start":14299.734,"end":14308.701,"text":"針對這些高齡的失智者的他們的這個詐騙日益猖獗成為對象今晚會有沒有什麼樣的因應措施"},{"start":14311.32,"end":14333.582,"text":"這個確實是我們因應整個時代潮流我們必須要面對的問題就是說當然第一個我們在訊息的這個阻擋上面是一個很重要的工作這是並不是針對只是因為高齡者因為讓我們的訊息無法散佈比如說我們的投資詐騙廣告能夠盡快的把它下架讓在時間上越短我想受害者會越少是"},{"start":14333.982,"end":14354.645,"text":"那當然就是說隨著我們整個的金融措施比如說剛才也有那個立法院也有在提就是說壯世代雖然在其中某些高齡的人他可能在未來處理自己金融業務的時候他的能力會越來越喪失那實際上這個部分我們未來在金融服務就要考慮這一點那比如說未來的保單"},{"start":14355.706,"end":14382.358,"text":"很有可能我們客戶已經沒有能力去執行他甚至忘記他的這張保單我們該怎麼辦再來像比如我們的存款他沒辦法執行的時候有沒有辦法像國外說指定第二個代理人然後事先指定這些都是我們未來在金融服務提供的時候都要進一步考慮的點那主委你們有沒有在做分析統計就是觀察這幾年你們推陳出新的因應措施去對照"},{"start":14383.138,"end":14412.758,"text":"我們詐騙集團推陳出新的這些手法有下降嗎還是上升是道高一尺磨高一丈還是邪不勝正其實我們大概知道這個現在詐騙成為一個產業它不可能完全的消失但是我們在機種業在防詐過然後一定要採取比如說專業化、系統化常態化的組織化來做這件事情所以剛才提到確實我們看到有些數字已經開始比如說有在下降但是還是非常的高"},{"start":14413.959,"end":14428.411,"text":"所以還是要繼續努力那我想今天我關心的是這些失智者因為對他們來講操作機台寄那個密碼、填寫資料其實對失智者來講根本就不可能了"},{"start":14428.951,"end":14457.45,"text":"他更需要的是第一線的人員來引導他、協助他可是往往他們感受到的是可能會被拒絕所以我有看到其實你們有推出一個2021到2025的失智者經濟安全保障的推動計畫但是我們看到數據銀黃端那邊是表達說有六成的服務人員做過失智者的服務但是其中的七成他說他對"},{"start":14458.971,"end":14479.305,"text":"負失智者他沒有信心因為他沒有辦法確切評估他當下的意思也沒有辦法辨識到底這個人是不是真的有失智可是呢對我們的客戶端來講那些失智者的家庭他們有3乘5的一個負向的經驗覺得說不友善遭到拒絕"},{"start":14480.166,"end":14506.092,"text":"所以這個部分想要請教主委已經推動第三年了那不曉得有沒有去評估成效那怎麼樣去落實這樣的一個培訓當然剛剛委員提到確實是我們在初步實施的時候確實有這個狀況那我們為了改善這個計畫呢我們就跟衛福部合作看能不能針對我們的行員進行更專業的培訓對這些失智者的理解以及他們應該如何因應這我想這是我們未來一個工作的一個重點"},{"start":14506.972,"end":14527.345,"text":"我們來看一下他山之石因為在國外我們也看到以美國來講他是會去針對那一些對老人剝削、失智者剝削的給他加重刑責或者是說他會提供通報的義務也有金融代理人的制度在英國"},{"start":14528.186,"end":14544.094,"text":"他們可能針對長者他們在開戶的時候會設立第二聯絡人然後在交易的時候會取得第二聯絡人的同意那在日本呢他是醫療單位跟銀行端、金融端去做一個整合支援"},{"start":14544.674,"end":14573.033,"text":"甚至他們還會去配置醫療人員在銀行裡面去協助做這樣的辨識或者是保險的契約提高他的彈性讓親人可以來申請解約那我就再問一下主委像這樣的什麼剝削通報義務、第二聯絡人跟醫療整合資源、彈性契約等等措施金管會這邊有沒有想過要去做這樣的跟進或研擬"},{"start":14573.955,"end":14574.377,"text":"其實這個我們在過去其實"},{"start":14577.25,"end":14603.39,"text":"都有針對這個做研究比如說剛剛我有提到第二聯絡或第二代理人的問題其實在國外推行的時候我們初步會覺得是蠻好的這個是可以來考慮但真正在落實的時候其實很多複雜的家族關係其實有時候我們還要更細緻化來想就是說很多其他國家的制度要落實在這邊我覺得精神我們絕對是可以來研究但是我們要落實在國內要按照自己的國情來剛才提到其實這是我們面對到的"},{"start":14604.951,"end":14621.94,"text":"長態的問題了以後高齡不見得到失智他已經開始整個對自我判斷能力開始下降的時候這些都是我們要保護來善待的一個客戶像跟醫療單位合作對能夠協助這樣專業的人才進入金融單位這個蠻好的啊對"},{"start":14623.602,"end":14642.379,"text":"做起來有困難嗎當然我覺得只要牽涉到人的部分都要更細緻一點這個我剛剛跟委員報告這個觀念概念我覺得都很好因為這個我們也是要努力的方向只是其他國家實施成功的經驗很值得我們取法但是我們按照我們的國情要做一些微調這些都是我們未來需要來研究的地方"},{"start":14642.839,"end":14657.975,"text":"謝謝主委可是我們在國內我們也看到一些很不錯的做法我相信您也比我更清楚像啟美醫院他就有主動的去發揮他的社會企業責任去跟台南的這些銀行"},{"start":14658.896,"end":14677.588,"text":"業者金融單位去做了一個臺南市失智友善金融一條街啦我相信你應該清楚那或者是像一些保險業者像南山他們呢有到一些原鄉特別是文建站他們會去做一些他們的這些照護計畫或者是宣導計畫那我們是想說"},{"start":14682.031,"end":14696.343,"text":"其實金管會你們自己就有一個失智者的一個保障推動計畫除了走入校園走入社區你們有沒有考慮說要進入到文件站去服務這些可能的這些失智長者"},{"start":14697.541,"end":14720.475,"text":"當然這些能夠增加我們的觸及率跟覆蓋率的當然都是我們努力的方向只是說需要比如說剛剛委員有提醒到我們當然會朝這個方向去增加它的接觸跟覆蓋我是希望說未來我們再問的時候看到你們已經有這樣的做法那甚至是像你們儘管會從2020年起有推動信託2.0這個信託計畫"},{"start":14723.257,"end":14743.99,"text":"那像這種我們看到2021、2022好像受益人數還有他的這個財產本金有停滯甚至下滑的現象我是不太曉得說其實這個對老人很好啊自應行的安養信託這種金融商品挺好的但是我們看到好像停滯不前甚至下滑是出了什麼問題嗎當然有"},{"start":14745.691,"end":14746.171,"text":"主席主席主委"},{"start":14770.646,"end":14795.089,"text":"我想金管會其實還是擔負著很重要的一些金融的責任那我們很希望針對這些高齡失智未來我們是超高齡社會化的來臨那我們特別希望說關於金融商品還有一些友善金融的推陳出新也希望金管會能夠繼續的來為我們加油當然這個跟每個人都有切身的這樣的感受我們會來努力"},{"start":14795.809,"end":14807.486,"text":"好,那也希望就是兩月內如果有相關的報告也可以提供辦公室一份好,謝謝主委,謝謝主席,一起加油那接著我們請邱志偉委員質詢"},{"start":14827.131,"end":14834.598,"text":"來謝謝主席有請彭主委銀行局莊局長來請主委還有銀行局局長"},{"start":14838.188,"end":14861.417,"text":"國有銀行會在中國有設立分行大概有25個分行在中國設立分行這幾年地緣政治改變它的獲利最低在其他各大多數分行裡面在中國所設立的分行它獲利最低但相對的風險也最高這部分未來對國有銀行有沒有相關的約束"},{"start":14863.034,"end":14878.743,"text":"其實我們在過去在比如說中國大陸地區的曝險我們一直都有獨立的監控比如說他們在做的一些的放款或是我們都有加壓就是比如說我們正常的壞帳提撥是1%在那邊就是要1.5%"},{"start":14880.044,"end":14900.066,"text":"這些其實上從過去的數字也看到其實他們也已經觀察到整個環境以及市場的轉移他們也開始下降這個部分以及蠻明顯的所以他們有注意到這個風險跟獲利的改變對不對對獲利其實不管它市場上面的風險如果最糟的狀況發生兩岸發生戰事這些銀行的分行如何自保"},{"start":14901.731,"end":14925.571,"text":"這個當然是一個非常極端的狀況那我們現在的話就是假設我們現在銀行的部分大概是將近9000多差不多一兆的這個曝險在那邊那當然對銀行的比重現在差不多20%左右中國在真相定義在國家安全定義是敵對國家是對不對他共經這個這個每天共經在那邊盤旋騷擾"},{"start":14927.592,"end":14955.762,"text":"所以你要未以籌謀雖然你說是極端的狀況但極端的狀況也可能隨時都會發生是 這個部分其實我們剛才也跟委員報告他們現在整個整體曝險占他淨值的大概是20%左右其實我們在這個掌控的這一塊也希望盡量能夠降低這個曝險好您知道這個問題就好另外您這邊報告裡面第5頁壯世代金融相關措施"},{"start":14958.205,"end":14973.797,"text":"什麼叫壯士貸?這是一個跨黨派行政院籍由陳時中政委所督導的壯士貸整體計畫我們負責壯士貸金融壯士貸現在的定義就是有兩種一是50或55歲以上的人口50或55歲你這個定義都還不清楚"},{"start":14976.779,"end":15000.241,"text":"就是現在原來是55嘛現在有人建議還要再把它往前一點為什麼要針對壯世代要推出相關金融政策因為主要是根據未來人口結構的推估未來台灣可能在二三十年後這個世代的人會成為我們台灣的主要的壯世代他年紀會增加可能這個對就是以上的這些壯世代變60年60歲以後也65歲以後都可能變壯世代就是希望"},{"start":15001.002,"end":15028.543,"text":"就是已經進入到幾乎是準退休的這些人接下來怎麼樣因應整個社會成為主流人口的時候我們整個因應怎麼做政策我是提醒主委政策就是不需要花中取寵政策是針對有需要有需要然後政策推出來是也的確有發揮這個金融相關的功能我想這部分才去推動另外我請教一下這個主委政府官員去國外換匯"},{"start":15031.19,"end":15058.936,"text":"會不會受到特殊待遇據我所知應該不會不要說您部長安妮斯諸位你到北歐一個國家去不要說你出了機場你沒有當地貨幣你去換貨幣你會不會有特殊待遇因為我上任還沒出國過至少我以前經驗並沒有任何這樣的確診有一個案例齁一個中央級的這個民意代表去這個北歐國家"},{"start":15060.097,"end":15078.264,"text":"北歐國家但是他不是用EUR你出了機場還有很多這個換錢的地方嘛然後他去換匯一換匯當然需要護照護照一看是PEP是一個就是我們講"},{"start":15079.642,"end":15097.26,"text":"重點那個防治的政治人物或是這些是不是有相關的規定是就是說剛剛跟我們報告我說我上任沒出國說不定我因為我的名字假設是你出國去換會也會要求你是不是他會詢問你是不是政治人物對不對或者政府官員"},{"start":15099.639,"end":15121.501,"text":"他這樣就會可能會列為是反洗錢的重點他的資料會細緻到什麼程度這個部分的話就是因為我們在應該是資料是如果提供了是國際相關的協約還是這個這個議定會不會連配偶連家人你都知道連住所都知道"},{"start":15123.383,"end":15135.21,"text":"這個有沒有侵犯到個資到那種程度啦至少比如說我們在據我了解啊他連配偶是誰都知道他連你住家在哪裡都知道他說你可以換但是你要提供證明"},{"start":15136.828,"end":15154.96,"text":"另外一個英文的證明說你的住所在哪裡這個可能是我們在國際反洗錢裡面的一個實務他認為這些所以你說這是國際反洗錢的實務任何國家只要是政府官員、民意代表、中央民代你去換匯都要受到這種詢問"},{"start":15156.401,"end":15182.656,"text":"據我所知假設你被列入那個名單裡面的話就會多一些程序誰會列入那些名單現在有些機構會提供這樣一個名單給金融機構或是給其他參考那臺灣有哪些人列入這些名單其實我知道應該是我們政府的首長像比如說像各位委員應該也是假設我去他也會要求我提供相關資料嗎有可能有可能因為我們成為這個身份是一個公開的資料"},{"start":15183.916,"end":15204.705,"text":"公開資料如果他連配偶都知道那是肯定當別論比如說假設我這個人的人名跟我的身份還有我的基本配偶資料基本他會你有你的護照號碼對不對對或者你相關的這個工作的背景然後你可能有photo有相片他如果連配偶跟你的住所都知道"},{"start":15206.618,"end":15230.753,"text":"我覺得這個是可能要再去看看狀況不過我知道曾經有人是因為同名而被匡列就是他的名字是這樣不可能同名又同日生嘛剛剛已經到了那麼細緻的資料的部分您說的就是說只要中央級的明代政府官員包括您要去國外換會都會接受相關"},{"start":15232.744,"end":15236.515,"text":"的詢問他可能會用進一步的了解對我講他那個那我們那個局長會不會"},{"start":15241.872,"end":15270.271,"text":"局長你會不會受到這種待遇因為你是主管人員報告委員因為我都不會在國外換匯我都用信用卡所以還沒碰到這個問題不過回覆委員的因為基本上重要性的政治人物其實他都有一定的公開性所以有很多銀行他會去買商業資料庫所以您剛剛說的那個應該是銀行或者是換匯的公司不是單一國家"},{"start":15272.453,"end":15294.913,"text":"對,他是比對,因為幾大商業庫應該全世界各個金融機構就是用那幾大商業資料庫那商業資料庫裡面會收集各國的政治重要性人物所以應該是比對那個資料庫出來他來要求是這樣,我說給您聽他說你要提供另外一個英文相關的文件證明你才能換匯"},{"start":15297.301,"end":15315.492,"text":"那誰會又帶其他的英文證明除了護照之外確實如果臨時性當然不會去準備這個當然你現在去了解一下他所了解的資料會不會細緻到連配偶連你的住所都知道好我們請主委跟局長研究完這個主委你以後去歡會搞不好你也會發生"},{"start":15322.449,"end":15338.42,"text":"應該會在場所有的官員去換位你們試看看你們可能多準備一些這個國外英文資料好謝謝謝謝委員的提供這個訊息謝謝志偉委員我想這個是一個非常珍貴的一個議題那請就是研究完了以後跟邱志偉委員來做報告謝謝"},{"start":15341.853,"end":15354.097,"text":"蘇清前、蘇清前、蘇清前委員葉言之、葉言之、葉言之委員鄭正琴、鄭正琴、鄭正琴委員不在謝謝那就請羅明財委員諮詢主席各位主席各位出列席官員主席請彭主委好彭主委"},{"start":15369.518,"end":15373.752,"text":"何維文想請教一下在美國總統選舉"},{"start":15376.058,"end":15400.135,"text":"如果是川普當選大概對臺灣股市的影響會如何大家當然是預期不同的產業有不同的影響這是大家從他的政見跟他發表言論裡面提出來的當然剛剛早上很多委員關切會不會對我們的半導體業特別對我們的龍頭這個會產生影響所以他這個當然昨天"},{"start":15400.695,"end":15429.122,"text":"有稍微有些訊息就可能產生影響所以大家會很關注這個議題那確實我覺得這是一個國際上矚目的事件對臺灣的資本市場一定會有所影響川普當選臺股會不會上漲到3萬點這個報告委員我們今晚會沒辦法預期這件事情我們只是在在乎就是說這個我們的資本市場能不能夠穩定安全的進行這個所有的運作跟交易"},{"start":15430.25,"end":15452,"text":"如果延續拜登的一些精神全世界到處戰爭如果是川普當選可能就是直戰會不會有這樣的說法當然媒體有很多種的專家的報導這也是我有看到這樣的一個講法對所以世界和平股市就繼續漲"},{"start":15455.063,"end":15473.579,"text":"那當然是穩定的這個環境當然是股市一個很重要的基礎我看今天這個當沖江稅決定要讓他通過吧當然我們是站在這個今晚的立場我們的態度跟整個都表達得非常明確我們是支持的我的提案是五年"},{"start":15475.117,"end":15503.496,"text":"我們原來的提供給財政部也是5年但是財政部後來他們提的方案是3年我問了幾個委員大家希望還是可以5年如果待會晚一點要處理的時候希望如果是5年大家都支持的話我們就讓他5年通過好不好我們還是支持行政院的決定沒有你要支持立法院的決定"},{"start":15505.236,"end":15533.342,"text":"如果問金管會立場的話我們雖然提供給這個財政部的意見剛剛跟提到了也跟委員做過說明了但是一定要過因為不過來不及了當然我們希望他能夠通過能夠繼續因為你在剩幾個月年底之前就到了是而且立法院還有二讀還有三讀對那有期間的限制確實速度要快一點主任你們現在"},{"start":15535.856,"end":15561.11,"text":"其他的單位你們算是最有錢的也沒有是因為我們金管的單位比較是金融業才是你看存款保險公司現在裡面有多少錢存保裡面的基金嗎這個營業稅的特別準備金是2100億剛剛局長跟我們講說他這個營業稅的準備金是2100億對"},{"start":15564.741,"end":15592.63,"text":"報告委員那個存保這邊保管的就是金融業的特別準備金是約2100億左右夠不夠我覺得因為這個基本上是在有經營不善金融機構要退場的時候才會需要動用到那以目前現在各個金融機構財務狀況都非常健全的狀況之下暫時應該是不會使用到"},{"start":15593.687,"end":15616.62,"text":"現在平均預放是多少現在我們的預放是0.16跟歷史上比起來相對的好應該是非常低的水位應該是最低的水位另外證券交易所裡面錢也不少吧臺灣證券交易所"},{"start":15620.095,"end":15644.343,"text":"現在主委你的所有相關的單位是兵強馬大最強的時候確實現在金融商業的獲利還有就是我們包括我們的資本市場確實是在過去來講是算是一個非常非常好的一個狀況那現在日均量大概多少錢現在大概日均量加起來應該是將近5000億5000億喔對我們也希望說這個量穩健的發展"},{"start":15650.032,"end":15677.288,"text":"甚至迎合你未來的亞洲的資產管理中心希望更多的外資等11月5號以後更多外資可以進來因為如果川普當選就比較不會有地緣政治的問題不然我看上一個拜登的延續他就到處世界點火所以我們也是希望看這個局勢"},{"start":15678.533,"end":15705.545,"text":"如果川普當選他也是鼓勵虛擬貨幣的交易吧是不是他對這個比較持正面的態度好那你們要做出一些規劃如果川普當選的話金管會要大幅度的開放虛擬交易市場我們還是按照我們的步驟按階段的來做這個市場的一些的這個管理剛剛也有報告過我們先從專業投資人開始"},{"start":15707.608,"end":15731.022,"text":"如果是川普當選你要迎合世界的潮流美國開放當然我們跟著開放啊對,我們剛才提到就是說我們會定期來評估實施以後國人在接觸這樣一個產品以後的後果跟反應以及他們的結果如何我們再來決定是否擴大本席希望你現在趕快做一些因應的措施A當選B當選你們要怎麼佈局"},{"start":15733.323,"end":15760.628,"text":"是,我們也都有在這個進行這樣的一個情況的演練跟模擬快一點嘛,因為時間馬上就到了是,跟委員報告,剛剛那個有個數字差異修正一下我們現在是日成交均量是4200億左右是,4500億還可以那臺灣證券交易所現在裡面現金很多吧還可以大概多少錢我們的現金是"},{"start":15762.975,"end":15789.077,"text":"四百億四百多億喔?對哇 你看 很多錢啊但這個錢就是要好好利用主委 你要讓這個F4裡面不要浪費其實我們交付他們非常多的任務啦也希望善用這筆他們的這樣的資源來來讓金融市場或是整個社會更好齊交所呢?齊交所還有集保應該都"},{"start":15792.988,"end":15809.413,"text":"應該都不少錢吧委員好因為期交所規模比較小大概只有證交所的一半兩百億是也不錯啊都是坐擁百億金三銀三那那個集保勒"},{"start":15817.662,"end":15841.6,"text":"林董是那集管目前大概380億左右喔要加上900多億欸欸這大概歷史的新高啊對以前喔我在沒見大哥以前都又小又弱做什麼事也都沒錢你們這樣好的時候應該要好好整修一下比如說"},{"start":15844.136,"end":15863.731,"text":"這個政企局裡面那個沙發已經20年沒換了我特別去看那個沙發應該不存在了喔壞掉了喔對一些舊的東西該換還要換還有一些資訊軟體等等那OTC呢OTC錢漏不漏啊"},{"start":15871.616,"end":15880.535,"text":"田董去那邊比較不習慣,因為以前101那邊資源多,相當小地方啊大概多少錢?"},{"start":15882.328,"end":15904.566,"text":"我們基金累積到現在有100億但是現金比較少我們現金可以動用的大概是6億多65億、100億OK 好 謝謝那加一加都是超過千億的包括那個存保存款保險2000多億"},{"start":15907.373,"end":15925.479,"text":"當然還有其他啦我覺得應該是在保發中心錢比較多吧保發中心其實錢不多啦因為那是保發基金比較多一點保險安定基金多大概多少安定基金420億左右420億OK"},{"start":15931.403,"end":15959.471,"text":"那其他加一加,所以主委你掌管的其實是中華民國最重要的不過我想每個部會都很重要啦只是說因為我們剛好這裡最近他們的經營或是這樣都很努力所以累積一些成果那我們希望能夠善用這些資源就你資源很多,要拜託你一件事情下一次黃仁勳來臺灣的時候你拜託他可以到臺灣發TDR好不好"},{"start":15960.888,"end":15985.059,"text":"我們請周邊啊周邊這些都是蕭永、山正都很強的啊有沒有辦法請像這個NVIDIA公司回臺灣分拆上市所以我們想這個委員這個提示我們會來研究一下我大力研究因為我在幫你啊因為主委你說你要打造"},{"start":15986.415,"end":16012.184,"text":"臺灣成亞太的資產管理中心你的能見度要高當然要世界級的黃榮勳因為臺灣人嘛透過他們的關係我知道他們裡面可能有人跟他認識如果沒有認識就算了經濟部長、郭部長說跟他認識應該認識機會都很多我們希望可以讓國際公司回臺灣上市好不好嗯好謝謝謝謝委員謝謝"},{"start":16017.922,"end":16034.793,"text":"謝謝羅明財委員主席在這裡宣告今日登記花園的委員均已行達完畢現在進行討論事項第一跟第三案的臨時提案的"},{"start":16036.308,"end":16054.727,"text":"第一案至第三案及臨時提案的處理共五案先據那個預計先讀的時間是12分鐘先讀完畢以後進行協商那請議事人員協商那在這裡以法案沒有相關的人員可以先行離開"},{"start":16062.499,"end":16077.659,"text":"宣讀臨時提案第一案經查期貨業商業同業公會已在今年9月完成期貨商開戶專訓作業管理及提供高齡客戶金融服務自律規則之修正刪除70歲以上期貨交易人"},{"start":16078.22,"end":16096.447,"text":"無法開戶之資格條件及交易限制大幅開放投資資格限制回歸業者自行就65歲高齡客戶之KYC評估機制有鑒於期貨商品乃複雜性高風險以小博大類型的金融商品其投資自信為較需具備專業性及風險承受"},{"start":16102.388,"end":16125.773,"text":"建議金管會仍需持續要求業者做好投資人士適性評估及充分說明投資風險之義務避免衍生交易爭議應請金管會就目前各金融業高齡客戶投資總額及近三年度爭議案件數統計資料於三個月內向財政委員會提出書面報告提案人吳秉瑞、賴會員郭國文"},{"start":16127.898,"end":16154.784,"text":"第二案金融監督管理委員會下檢稱金管會於去112年3月即已奉行政院指定擔任據金融投資或支付性指支虛擬資產平台的主管機關虛擬資產屬新興監理項目且市場變化快速又詐騙及洗錢罪犯以監督利用虛擬資產作為犯罪工具原建議應加速啟程早日完成專法必將虛擬資產納入妥善監理"},{"start":16157.204,"end":16166.052,"text":"說明一本113年9月金管會在虛擬資產專法制定進程報告中揭示將分四大階段管理虛擬資產"},{"start":16169.176,"end":16189.509,"text":"虛擬通貨平台及交易業務之事業下稱VASP最終走向社專法管理分別為第一階段從VASP洗錢防治辦法中開始納管VASP第二階段推動VASP社工會並制定自律規範管理第三階段將在洗錢防治法中"},{"start":16190.229,"end":16209.013,"text":"增定VASP登記制明確VASP定義及對非法業者刻意行責等第四階段走向專法二、虛擬資產發展快速網路資料顯示國際上有上達萬種加密貨幣存在加密貨幣交易總人口可能在3.5億至7億戶之間加密貨幣總市值"},{"start":16213.768,"end":16224.124,"text":"約為新台幣76.99兆元每日市場交易總量則約為新台幣3.24兆元且逐日快速成長中三虛擬資產證常用在"},{"start":16226.468,"end":16247.963,"text":"交易轉移支付一致投資但亦有用在詐騙、洗錢等犯罪領域先進國家多以逐漸納管包括RESP之監理與自律相關資訊之公開透明五部分國家已建立所謂虛擬資產指數作為投資及監理依據洗錢防治亦將虛擬資產列入重點管制項目"},{"start":16249.524,"end":16270.33,"text":"對於虛擬資產的監理除請金管會加速進程外尚需在穩健步伐的基礎上加強各級同仁學習相關職能密切注意市場變化掌握市場及時資訊與國際市場接軌健全監理制度強化投資人保護等面向提案人吳秉瑞、賴會員、郭國文"},{"start":16272.591,"end":16286.149,"text":"第三案有鑒於財政部113年主辦臺北國稅局承辦之雲端眾數區一期級點數網路活動發生部分中獎者有重複中大獎之情勢"},{"start":16287.691,"end":16311.227,"text":"與其質疑該抽獎活動之公平性嚴重影響政府機關之公信力允請財政部於週內查明、釐清113年結合統一發票推行辦理全國性重大施政統一發票對獎APP全國推廣活動委外服務案是否確有不公、舞弊情形並公布抽獎活動之中獎率提案人黃珊珊、賴氏寶賴會員嚴寬恒"},{"start":16314.67,"end":16336.778,"text":"第4案一令洗錢防治法修法通過金管會提出虛擬資產服務之事業或人員洗錢防治登記辦法草案虛擬通貨平台及交易業務事業防治洗錢及打擊指控辦法修正草案預計今年12月上路為業界面臨我國銀行不分風險"},{"start":16338.118,"end":16355.677,"text":"一律拒絕與VASP業者進行業務往來導致VASP業者難以符合新增定制辦法若因實務操作導致多數業者無法從事業務將導致產業地下化危機進而削弱金管會監管VASP業者之範圍"},{"start":16356.778,"end":16373.18,"text":"也令相關執法制定令形同虛設原提案請金管會銀行局與我國銀行進行協調並持公平待客原則來審查RESP業者申請案並於三周內提出書面報告提案人顧國文、林曙雯、賴慧媛、伍麗華"},{"start":16374.562,"end":16396.679,"text":"第5案 面對我國售險業發行之內權位保單近期層皆委託外商投信甚至部分合約限定指投資境外基金與ETF以致於放寬內權位投資規範並無重大本土投信之效益不應放入資產管理中心之重大投信方案中原提案請金管會重新評估"},{"start":16397.76,"end":16411.304,"text":"放寬為我全委投資之必要性以及其與壯大本土投信之關聯與效益並於一個月內提出書面報告提案人顧國文聯署人賴會員吳麗華臨時提案部分宣讀完畢證券交易稅條例第二條之二及第十二條條文修正草案案"},{"start":16425.43,"end":16442.415,"text":"行政院提案對照現行條文修正條文第二條之二第一項延長施行期限至一百十六年十二月三十一日止修正條文第十二條第一項增列代報金及罰還刪除第二項及第三項規定其與同現行條文"},{"start":16443.995,"end":16461.507,"text":"臺灣民眾黨黨團提案修正條文第二條之二增訂第二項落日條款文字為自中華民國114年1月1日起至116年12月31日至同一證券商受託買賣或證券商自行買賣同一賬戶於同一營業日現款買進與現券賣出"},{"start":16465.009,"end":16476.378,"text":"同種類、同數量之上市或上櫃股票於出賣時按每次交易成交價格依下列規定稅率課徵證券交易稅不是用第二條第一款規定"},{"start":16478.035,"end":16507.134,"text":"一、施行後第一年千分之一點五二、施行後第二年千分之二三、施行後第三年千分之二點五原第二項一列至第三項第八條刪除第九條之一將現行五倍至十倍之罰還規定修訂為五倍以下修正第十二條第一項增列代報金及罰還並刪除第二項及第三項規定第十六條增列第二項本條例中華民國全年、全月、全日修正之"},{"start":16508.527,"end":16530.336,"text":"第二條之二及第十二條條文自公佈日施行第八條及第九條之一條文施行日期由行政院定制委員盧明才等二十人提案對照現行條文修正第二條之二第一項當沖稅率減半延長十四五年展延至中華民國一百十八年其與同現行條文"},{"start":16532.728,"end":16549.155,"text":"委員邱志偉等19人提案對照現行條文刪除第12條第二項規定第三項一列至第二項委員賴士寶等25人提案對照現行條文修正第二條之二第一項延長施行期限至118年12月31日之第12條刪除現行條文第二項及第三項規定"},{"start":16555.629,"end":16579.661,"text":"委員吳立法等19人提案對照現行條文修正第二條之二第一項延長施行期限至116年12月31日止修正第12條第一項增列代報金及罰還並刪除第二項及第三項規定委員林楚英等19人提案對照現行條文修正第二條之二第一項延長施行期限至116年12月31日止"},{"start":16582.833,"end":16603.056,"text":"委員、代會員等37人提案對照現行條文修正第二條之二第一項延長施行期限至116年12月31日至刪除第12條第二項及第三項之規定委員李昆城等22人提案對照現行條文修正第二條之二第一項延長施行期限至117年"},{"start":16605.444,"end":16621.214,"text":"委員蔡易宇等16人提案對照現行條文修正第二條之二第一項延長施行期限至116年12月31日之修正第12條第一項增略代報金及罰款並刪除第二項及第三項規定宣讀完畢"},{"start":16639.616,"end":16666.636,"text":"好,我們現在開始進入協商那針對的證券交易稅條例那第二條之二那就是那個我們在場的委員有沒有意見那我們就是以那個舉手的先後順序來發言那當然耐斯堡委員你就是先那再來就是那個楚瑩委員"},{"start":16671.737,"end":16685.907,"text":"我要請教一下這個金管會都很正面嘛這個當然有plus、minus我們跟我金管會相關的這個好像是試跑這個就亂了結果就發現說政府賺然後老百姓來講的話是券商虧"},{"start":16699.771,"end":16716.896,"text":"這個好事啊你跑到結果是這樣嘛對不對對啊就是就是交易量增加嘛對不對他政府全政府很高興啊對不對我就不了解啊你已經一言再言三言四言這是第四次了"},{"start":16718.212,"end":16737.951,"text":"為什麼不一勞永逸就把它永久化乾脆還搞個做一個做一個像那個麻雀拉屎一樣這個東西很奇怪你們大膽主張啊你就把它改了這大概你們也不會中啊都三年三年做一個做一個前面沒有三年只有兩年你要不要講一下"},{"start":16754.647,"end":16769.453,"text":"有有有有有報告委員我想這個我們對這個當沖降稅其實我們在我們報告裡講清楚我們是認為在整個交易市場上它確實對成交量的提升當然比如說當時的那個"},{"start":16770.834,"end":16786.444,"text":"提出這個是交易量是比較低迷啦齁那當時的目的是為了提升交易量但是後來呢隨著我們的臺灣股市發展後來發現它這具有一些其他避險或是一些比如說價格發現很多的我們是希望說它能夠"},{"start":16787.304,"end":16804.006,"text":"能夠繼續的在尤其我們現在市場越來越變動波動的時候我們希望他能維持但是我們的態度一樣就是說這個部分畢竟不是一個稅制的常態我們是還是提出有時間這樣一個限制可以比較具有彈性"},{"start":16808.356,"end":16821.906,"text":"好 主任委員那這個本席在這裡才是是不是就是說我們所有的委員一致性的發言結束了以後再由那個我們官員來回覆好不好好 謝謝"},{"start":16824.596,"end":16838.434,"text":"謝謝主席我們知道這個當通降稅是2017年實施到現在那麼有兩年版本也有三年版本的這個當通降稅的這樣的一個延長那當然本席提出來是三年啦"},{"start":16839.255,"end":16859.753,"text":"我知道在這些版本裡面也有三年的也有五年的那麼等一下可能生肖委員會代表民眾黨來發言那民眾黨版本其實是用逐年遞減的方式之後但是它會逐年取消降稅的部分然後是一個落日條款但是我覺得其實確實金管會跟裁判部也不需要回應一下就是說到底"},{"start":16861.394,"end":16874.719,"text":"未來的傾向會是如何那麼為什麼選擇就是要繼續來延長這個降稅像如果是我個人的提案我會認為說那是因為它會對於促進市場的活絡還有整個市場的流動和整體經濟來講確實是有積極的作用那麼以現在我們從過去到上一屆我們曾經也審過這個法案那確實現在的市場的經濟的活絡的狀況確實是有助於市場交易跟資金的流動等等"},{"start":16889.445,"end":16910.899,"text":"但是在這個部分接下來到底想法是什麼因為說實話啦三年也行那五年也沒有問題但是到底是未來到底要不要落日又或者是說其實要回到未來就是覺得說現在股市已經夠熱了那到底金管會跟財政部評估的標準跟準則是什麼也許也是可以講一下的部分好接著請森山委員"},{"start":16916.772,"end":16934.174,"text":"好 謝謝主席我想我們大家都有提版本主要還是從這個立法院法治局的評估報告裡面講得非常清楚我們用減稅的方式鼓勵當沖那其實也違反希望能夠有證交稅課徵的目的因為它必須還有租稅公平性的問題"},{"start":16935.115,"end":16957.462,"text":"那租稅中立性的問題是房地的投資行為我們可以中稅但是證券的投資行為我們竟然還是給他鼓勵甚至給他清水那這個違反稅制中立性的問題那重點在於說我們希望說既然以前是為了要鼓勵投資鼓勵外資進來但是時間也很長了股市也夠熱絡了"},{"start":16959.442,"end":16977.887,"text":"應該是慢慢慢慢逐年的把這個東西回歸正常那重點是我們現在如果只是單純的繼續延長就像賴小偉如果你們態度是這樣的話那就乾脆永遠一勞永逸也是一個方法那至少要把交易稅交易力的這個部分是不是要做調整"},{"start":16978.507,"end":16999.148,"text":"那如果我們鼓勵當沖降稅但是我們到現在為止還是沒有鼓勵長期持有的減免稅責就長期持有的TISA好像還沒有任何的進展所以這個部分跟我們租稅的公平性我覺得還是有差那民眾黨的版本清楚就是說慢慢的回歸正常"},{"start":17000.248,"end":17027.441,"text":"也讓國際不管外資也好或者是民眾也好他其實還是在交易上面要負擔一定的成本否則那就變成是政府就乾脆直接宣布說臺灣不需要交易稅那我們的我們又沒有證所稅所以我們其實是有一點鼓勵投機多於房地產我覺得這個部分也不是很妥當所以我覺得我們的版本應該是比較中性也希望同學們能夠支持"},{"start":17028.061,"end":17036.532,"text":"好 謝謝珍珍委員 接著請羅明財委員發言好 OK 現在我們的日均量大概是4500億假設這個當沖降稅沒有過"},{"start":17042.745,"end":17063.502,"text":"年底就已經到期了那主委可能要認真思考一個問題量會不會到回復以前的800多億、1000億這影響非常的大、層面非常廣因為現在證券開戶的人數大概有1200萬人"},{"start":17066.182,"end":17093.17,"text":"這不是說生氣的你這個制度如果沒有很穩定突然在年底如果來不及的話這整個市場好不容易熱絡起來了突然冷下去會怎麼樣我想在座我們F4都在這邊了所以情況都很清楚所以本席建議我的提案是五年如果可以的話比較久一點其實也不錯"},{"start":17094.15,"end":17113.211,"text":"可是如果真的不行的話,三年我也從善如流,能過就好啦過了以後下次再說啦不過下次又變成又是總統選舉的時候是的確比較不穩定所以如果說大家覺得賴世保賴委員講說一勞永逸,乾脆這個永遠"},{"start":17114.472,"end":17135.955,"text":"定下去當沖就是比較有期限這也是一個好的思考我看大家的意見不過就我看那個執政黨好像一直覺得行政院通過就要讓他通過沒有啦沒有嗎好啦那如果真的沒有確定五年也OK啦我也是覺得比較"},{"start":17137.841,"end":17164.282,"text":"這個時間比較長一點而且這個當沖降稅最開心的是誰是莊部長他是坐擁金山每天只要一開盤證交稅就一直收一直收對不對我們又沒有證索稅所以最開心的其實是財政部以上 謝謝好 謝謝明財委員那我們是請行政院那個我們請金管會來說明"},{"start":17167.165,"end":17186.157,"text":"一併說明那主席各位委員我想剛剛有表達過我們對這個當中降稅對資本市場的促進的功能還有就是對於我們在避險還有就是就是價格發現透明度上確實他扮演的角色那我們剛剛也擔心剛剛就說假設這個"},{"start":17189.199,"end":17215.997,"text":"當這樣沒有持續的話那可能對未來假設我們面對市場的穩定波動的時候我們現在剛剛也提到很多這個未來的環境的改變這個因素糾結在一起有可能會產生一些比較不穩定的因子所以我們還是會支持財政部剛剛提的就是三年雖然我們在第一次的時候我們提出五年但是畢竟這個財政部有整體的租稅的考量我們是覺得三年我們是支持"},{"start":17218.373,"end":17220.059,"text":"好 謝謝 那請財政部持續說明"},{"start":17223.366,"end":17249.689,"text":"是 謝謝照顧還有各位委員大家好那我想當中降稅這個事情大家都很關心那我們也知道從106年實施以來它的效果也已經看到它的符合它原來的預期效果第一個它降低了投資人的一個交易成本那也維持了一個證券市場的流動性並且帶動了整體資本市場的一個活絡但是呢因為條文裡面是到今年要屆期了"},{"start":17250.129,"end":17259.775,"text":"那這個部分呢我們認為第一個就是說證券市場很容易受到國際政治還有經濟情勢的一個波動的影響所以我們認為說為了要促進證券市場能夠持續的發展而且降低市場的不確定性所以我們認為當中降稅有延長這個試用期間的一個必要所以我們也跟金管會做了相當的討論"},{"start":17273.124,"end":17292.136,"text":"我們認為說延長三年是適當的第一個就是納保法裡面對於有關的租稅的優惠應該要有適度而且有符合它的一個政策的目的合理達成政策目的而且前幾次的延長大概也是大概都是三年所以我們認為三年可以適當所以也敬請各位委員能夠支持好 謝謝那請問那個吳立華委員是不是要花言"},{"start":17301.343,"end":17331.083,"text":"好 請那個關於那個當沖延長的部分我個人的條文其實是比較院版那我諮詢的時候也有提過這個部分呢當然是有效我們同意延長啦但是長期來看的話我們還是希望說這個部分還是要去關注到像那些個人的部分那希望在這個段時間還是要嚴加的去找到好的策略"},{"start":17332.464,"end":17333.024,"text":"那是吧"},{"start":17361.786,"end":17381.588,"text":"如果大家有共識那就三年出去不要協商這個做不到那就全部都繼續送協商因為判別這麼都不一樣好不好全部送協商嘛我本來是覺得說這是一個專業的題目啦送協商不明有點政治化我們就"},{"start":17383.692,"end":17403.395,"text":"我可以退來求職就不用三年先出去這樣啦不要協商就直接去澳山賭如果民眾黨這個選舉不那個的話我沒有尊重好不好就是就整個去協商吧所以深深如果我們就是說用三年直接送出去你的看法"},{"start":17412.068,"end":17421.434,"text":"黨團當時在提案的時候就是希望說能夠有這個繼續討論的機會啦如果不送協商的話連討論機會都沒有我們還是希望能夠保留送協商對"},{"start":17423.157,"end":17435.105,"text":"那在這裡就是其他的那個委員還沒有意見我是主張就是那我們就把他直接送出去了我們保留那就是全部送出去好不好"},{"start":17442.523,"end":17468.894,"text":"好那我在這裡再跟大家那個欸來謝謝那個楚瀅委員還是那個明財明財你先他現在的問題是這樣你如果能送出去朝野要協商一個月那大家都知道這個會期是總預算相關的到時候你這個案子排不進去所以到時候你到年底就開天窗會來不及"},{"start":17470.234,"end":17486.83,"text":"現在如果說你在考量因為這影響的層面太大一千兩百多的證券戶還有股市的安定跟穩定發展好不容易這個爐灶已經熱起來你一把水加下去整個急縮就完蛋了"},{"start":17488.516,"end":17499.704,"text":"所以這個在財委會這邊能過我們就讓他過所以我個人也都是退而求其次你沒有五年三年我也都支持成功不必在我 謝謝"},{"start":17506.092,"end":17520.678,"text":"好我個人也覺得說其實我相信朝野都會認為說現在延長是有其必要性的那又加上確實現在今天已經10月30號了如果再一個月的話就是12月我們才可以"},{"start":17521.818,"end":17540.565,"text":"來處理那這個確實有時間點上我覺得潮也在未來到底要延長多久或者是說是不是就從此取消當沖降稅是有一些不一樣的版本但是我相信山山委員這裡的民眾黨版本或者是賴委員這裡的版本應該都是認為說至少明年2025"},{"start":17542.245,"end":17542.985,"text":"主席主席主席主席主席"},{"start":17568.232,"end":17586.58,"text":"不是安定 或者是整個市場金融市場的安定的話因為我們現在大家的立場都可以確定是2025年1月1號我們都還是希望當沖降稅持續的那如果是這樣 是不是可以我們先不要用這種所謂全部送出去然後再等朝野協商好 謝謝 那這個再次把我言花言"},{"start":17593.394,"end":17609.452,"text":"我這樣子看啦齁這個如果今天說我們就我個人也同意名為同意可以三年啦齁我沒有意見齁但是如果民眾黨堅持那我們給他出去他應該可以拉下來啊"},{"start":17610.856,"end":17624.396,"text":"所以那時候拉下來算一個月你不如現在開始算一個月你乾脆今天出去就保留學商那就一個月嘛 對不對所以來得及啦現在不到11月嘛 對不對所以絕對來得及絕對來得及還有兩個月所以"},{"start":17627.637,"end":17643.855,"text":"就是一定來得及好不好一定來得及所以從這樣的角度看我會我原來同意但是我現在朋友主張就出去協商從現在開始算一個月如果你真的就說好那我們就通過了"},{"start":17644.856,"end":17660.117,"text":"但是去賭的時候民進黨團把他拉下來協商從那時候算一個月罰更緊張了如果他們堅持這樣子我覺得尊重所以我的具體建議就是那就通通保留出去就一條而已就很少數幾條"},{"start":17661.482,"end":17684.984,"text":"所以就保留信箱好不好好 謝謝思寶 珊珊我想民眾黨的立場很清楚啦就是希望說它變成現在看起來是常態那我們希望它還是有個態度如果我提一個折衷的方法就是前面三年也許我們可以勉強但是一樣我們還是要看到財政部跟金管會四年五年是不是遞減"},{"start":17686.485,"end":17714.438,"text":"你可以往下你現在告訴我說先過三年但是後面呢沒有人要告訴我啊那如果我們的態度是我們希望讓市場回歸正常讓可能的就我剛剛講嘛你的房市打得這麼兇你的股市的態度不太一致我覺得這也不好如果可以三年過但是四、五年你們可以接受遞減嗎或者是有沒有什麼折衷方案那我才可以跟黨團來做溝通"},{"start":17716.444,"end":17738.568,"text":"如果三年空空的出去我也沒辦法交代好 謝謝聖山那是不是我想我在這裡這裡做個就是是不是我們今天把它送出去可以啦可以啦可以就寫上保留嘛保留啦這個第12條"},{"start":17746.823,"end":17749.587,"text":"好 那就一條一條講嘛 一條一條講"},{"start":17763.271,"end":17786.169,"text":"好那本席在這裡宣布第二條之二我們就保留然後送宴會接著我們再來討論第八條那就是民眾黨的提案這請問是不是那個珊珊我們是不是給他保留第八條"},{"start":17789.688,"end":17794.791,"text":"我們請提案人說明一下好 珊珊"},{"start":17815.905,"end":17831.029,"text":"這個就是我們認為說以前的這是很早期證券可能要資本、要人力來處理的貸贈、獎金、券商有我們本來是要討論這件事情這我們沒有特別堅持但是就是認為財政部應該去檢討一下我們是請部長說明一下針對第8條"},{"start":17839.072,"end":17855.82,"text":"現在跟委員報告現在目前就是證券交易這個證交稅大部分就都是由券商券商來在收股款的時候就為代扣嘛對不對那這個部分第一個可以確保我們的稅收"},{"start":17856.6,"end":17862.423,"text":"二、簡化整體基增程序二、簡化整體基增程序二、簡化整體基增程序二、簡化整體基增程序二、簡化整體基增程序二、簡化整體基增程序"},{"start":17888.487,"end":17904.08,"text":"跟各位同仁報告我們當時討論這個事情主要是因為我們貸徵的方式其實很多現在都是貸扣繳那貸扣繳包括租金或什麼都有貸扣繳的部分但從來沒有給貸扣繳的人獎金"},{"start":17904.72,"end":17928.477,"text":"意思一樣就是說他本來就應該做這件事那特別給獎金我們是覺得有點奇怪但這個是我們沒有特別的堅持就希望說他還是希望財政部能夠對這個部分做一些了解跟檢討而且我們上次有質詢過另外一個問題就是現在其實都是網路開戶那甚至很多很多人也對他營業也不清楚也從來沒有得到服務"},{"start":17929.097,"end":17952.023,"text":"但是它還是繼續有這個貸增獎金或者是有一些相關的服務費用那甚至發生所謂的違約交割反而這個業務委員也要負相關的責任這些相關的過程都是很早期的那現在的電子交易之後其實應該對於現行的相關的規範包括這些貸增獎金以及將來的扣繳甚至處罰都應該做一些重新的討論"},{"start":17956.124,"end":17978.242,"text":"因為以前的機制跟現在已經不太一樣所以我們希望財政部在這方面能夠針對這些問題做個初步的檢討尤其是現在的交易形態跟以前的開戶、業務人員還有相關的這些券商尤其是如果我們在其他的代扣角的部分沒有獎金那這部分的獎金是不是也應該做一些檢討跟調整"},{"start":17981.189,"end":18008.444,"text":"好 謝謝珊珊委員在這裡特別提醒財政部就是說珊珊委員她剛才提到的現行的這個交易交易的一個模式你們要帶回去做檢討那我在這裡也跟那個現場的各位委員做一個詢問如果在第8條我們用維持現行的條例大家有沒有意見那如果沒有意見的話那我們就維持維持現行的條例"},{"start":18014.167,"end":18032.498,"text":"互代決議請財政部檢討,待爭獎金之外那這個互代決議再麻煩民眾黨把它寫出來那本席在這裡宣布一下第8條維持現行的條文謝謝那我們進入到第9條之一"},{"start":18034.451,"end":18050.286,"text":"那不好意思就是也是民眾黨提案珊珊是不是請你那個花言一下對這個我們也是因為券商他的確是負了相關的責任得到相關的獎金但是他也負擔很大的"},{"start":18051.867,"end":18069.196,"text":"處罰的風險所以我們認為說原來的代繳未代徵的因納稅額一倍到十倍其實是相對比較大那我們是希望說把它回到比較合理的五倍以下那這樣的話比較不會造成可能因為他們有任何的狀況而產生對企業過當的處罰"},{"start":18074.264,"end":18098.056,"text":"好 謝謝那請問那個在現場的委員有針對第9條之一有沒有特別的意見那不然我讓那個財政部長先來做一個說明好不好好 謝謝這個就是對於貸政人違反有關的規定給予處理這個罰款罰的因納倍額的部分我想這個部分是不是維持現行的然後我們要不要併在剛剛"},{"start":18099.056,"end":18100.057,"text":"主席主席主席主席"},{"start":18116.84,"end":18138.568,"text":"我想針對第9條之一在現場的委員有沒有其他的意見如果沒有其他的意見那就是第9條之一跟維持現行的條文那跟第9條之一跟第8條就是保留互帶條件互帶的決議就是剛剛民眾黨所提出的"},{"start":18144.97,"end":18170.957,"text":"那再來我們進入到第12條那第12條請問那個現場的委員有沒有針對第12條有沒有特別的一個建議好 謝謝珊珊這個提案非常簡單就是說因為行政程序法已經有相關的規範了就是認為說不需要再寫得這麼仔細它應該是回到行政程序法"},{"start":18173.203,"end":18196.777,"text":"好 那我想在這裡詢問那個各位委員如果我們照行政院版那個提議我們照案通過有沒有問題沒有 稍等一下好 司法我的提案是你把那個代報金期劃款把它刪掉因為你現在已經沒有這個東西沒有這個東西啦 你們還留著現在沒有這個東西了有嗎沒有啦"},{"start":18201.158,"end":18227.134,"text":"好 來 那個我們請署長說明一下回歸該法規定罷了因為現在我們所謂的像滯納金、代報金都是在稅捐基金法裡面有相關的規定但因為稅捐基金法是特別法那過去我們是曾經在各法都有規定後來全部都回歸到稅捐基金法去了所以我們這次才會把它改成這樣就是說反正你講的這些東西都回到稅捐基金法也是提示提示這些"},{"start":18227.974,"end":18241.947,"text":"就說納稅議員他清楚的知道如果你有這種情勢還是要接受稅源基金法的處罰好,謝謝世保那在這裡本席宣布第12條我們以行政院這個提案通過那在針對的第16條"},{"start":18257.25,"end":18262.9,"text":"第16條民眾黨的一個提案是不是請珊珊委員說明"},{"start":18265.305,"end":18290.901,"text":"我們主要是希望說如果當沖降稅還是要把他的事情日期說得很清楚啦對好那這個因為有牽涉到第二條之二可能就是說我們是不是保留那請問行政部門有沒有要補充說明的那沒有的話就是我們第16第16條那我們就保留協商"},{"start":18293.774,"end":18310.146,"text":"來那個臨時提案第一案請問金管會有沒有意見吳秉瑞委員的一個提案有沒有意見來那個是不是"},{"start":18316.481,"end":18342.883,"text":"來 請說明我們遵照辦理好 那我們就照案通過第二案請這個吳秉瑞委員的臨時提案請問金管會有沒有意見遵照辦理好 那我們就照案通過再來是第三案"},{"start":18344.403,"end":18361.394,"text":"第三案是財政部的黃珊珊委員的提案對我們遵照辦理好 那我們就等一下針對第三案我覺得黃委員太客氣了一個禮拜我覺得一個禮拜太長了"},{"start":18363.255,"end":18370.058,"text":"這個情況不僅僅在這個地方發生另外的也有你們現在財政部好幾個地方都出包別的地方也出包一樣不是只有這個地方"},{"start":18394.029,"end":18394.81,"text":"法定人數不足"},{"start":18415.71,"end":18435.999,"text":"如果一開始黃委員提三天喔你們就五天就是謝主隆恩了啦你今天是檢去法啊對不對用加法就不一樣了好 那就針對的就是財政部的臨時提案我們就"},{"start":18437.093,"end":18438.994,"text":"道屬第二行秉持公平待客原則這邊改成秉持以風險為基礎的原則"},{"start":18453.76,"end":18477.257,"text":"然後再來是最後一行的部分那個BSP業者申請案後面加逗點避免過度去風險化之情形那這些文字修正已經跟提案委員溝通過了好那就是第4案我們就修正通過來進入到第5案"},{"start":18480.399,"end":18492.548,"text":"軍管會是第5案的部分就遵法辦理好 那就照案通過來來 這個互貸結議請你們看一下互貸結議"},{"start":18505.505,"end":18506.006,"text":"主席主席"},{"start":18524.949,"end":18531.815,"text":"宣讀附帶決議請財政部及金管會針對證交稅、期交稅、餘熱稅、貸增獎金實施狀況及存續之必要性進行檢討、收集意見於兩個月內提出順便報告宣轉筆請問各位委員有沒有意見"},{"start":18547.58,"end":18551.903,"text":"沒有意見請大家簽個名號我們繼續再回到主席一臺一個不在決議一個不在決議我都沒有看到我就跟你換一下"},{"start":18585.282,"end":18612.391,"text":"好 主席在這裡報告協商完成請議事人員先讀協商的結論先讀協商結論證券交易稅條例第二條之二保留送院會協商第八條維持現行條文附帶決議案 照案通過第九條之一維持現行條文第十二條照行政院提案通過第十六條保留送院會協商 宣轉閉"},{"start":18614.167,"end":18618.003,"text":"好,謝謝那請各位委員對協商的結論有沒有意義"},{"start":18619.707,"end":18642.263,"text":"好沒有異議那我們就照協商的結論通過那接著本次會議做成如下的一個結議依報告說明詢答完畢委員的詢答如未及答覆跟請補充資訊請相關部會在一週內以書面答覆委員另外要求的期限請從期鎖定"},{"start":18644.384,"end":18662.26,"text":"委員黃宏威、陳冠廷委員所提出的書面逐行列入記錄、刊登公報並請相關部會以書面答覆那我們證券交易稅法條例第2條之2、第12條條文修正草案等10案"},{"start":18664.737,"end":18687.424,"text":"業經參考金融監督管理委員會含送之延長條件當日沖銷交易稅事之初評估報告及延商延長條件當沖交易證券交易稅實施期間公聽會的會議記錄照行政院版通過審查完略"},{"start":18688.724,"end":18715.516,"text":"並按明據審查報告提報宴會討論宴會討論前交由黨團協商宴會討論的時由本席補充說明那請各位委員對以上的決議有沒有異議好那沒有異議的話我們就通過另外本次會議議事錄那我們授權由本席核定後確定請問各位委員有沒有異議"},{"start":18716.576,"end":18731.936,"text":"沒有異議?好,那就通過那本次的會議議程已經進行完畢如果有不在場的委員那個補題書面的執行一併列入記錄、刊登公報並請議事人員協助處理散會"}]}},"supported_relations":[],"relations":[]}