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在場的委員為那個為主導法定的人事所以那個議事錄我們暫時不確定請議事人員先讀今日的議程"},{"start":1866.738,"end":1895.051,"text":"邀請金融監督管理委員會彭主任委員金融財政部中央銀行國家發展委員會及法務部就如何促進台灣金融市場規模發展之執行策略包括國際金融業務OBU國際保險業務OIU國際證券業務OSU進行專庭報告並被質詢宣布完畢好 謝謝我首先先介紹在場的委員我們先介紹吳秉瑞委員"},{"start":1907.856,"end":1928.59,"text":"還有王世堅委員請問各位委員對於上一次議事錄有沒有意義沒有意義 那我們的議事錄確定接著我介紹我們在場的官員首先我先介紹金管會主委彭主委"},{"start":1931.65,"end":1960.808,"text":"還有金管會金融市場發展及創新處胡處長還有我們的銀行局代理局長莊秀妍還有我們證取局我們的張局長還有保險局王局長檢察局佟局長"},{"start":1963.817,"end":1990.511,"text":"那我們台灣證件交易所那個林修銘董事長李愛玲總經理那我們吉堡中心林秉輝董事長陳德湘總經理以及櫃買中心簡立中董事長還有陳立青總經理"},{"start":1993.462,"end":2020.098,"text":"那我們再依序介紹財政部政務次長阮次長國庫署陳署長戶稅署副署長黎副署長官務署蘇淑珍副署長國有財產署副署長王采業副署長資訊中心副主任李副主任"},{"start":2022.884,"end":2034.714,"text":"中央銀行副總裁朱美麗副總裁外匯局蔡局長國發會經濟發展處邱處長房屋部法律事務司司長劉英秀"},{"start":2045.93,"end":2059.977,"text":"好 今日議程安排 我們邀請金融監督管理委員會 彭金榮主委財政部 中央銀行 國家發展委員會及法務部就如何促進台灣金融市場"},{"start":2062.595,"end":2082.921,"text":"規模發展的執行策略包括國際金融業務OBU還有國際金融業務OIU還有國際證件業務OSU進行專題報告那我們現在請那個金管會彭主委進行專題報告那其他的單位我們就是請參閱好 主委請"},{"start":2088.803,"end":2101.892,"text":"主席 各位委員 各位媒體朋友 大家早安承蒙貴委員會今天邀請本會就如何促進台灣金融市場規模發展之執行策略包括OBU OIU OSU進行專題報告進行指教"},{"start":2104.153,"end":2128.61,"text":"本會以建立安全與發展並進的新金融市場為施政主軸在確保金融安全穩定的前提下全力促進金融市場之發展在市場發展面向本會將依循向貴委員會業務報告所提六大重要策略中以打造具台灣特色的亞洲資產管理中心推動金融科技發展與綠色轉型金融為重點引導帶動金融產業之永續發展"},{"start":2131.414,"end":2145.891,"text":"以下分別就各策略說明依打造具台灣特色亞洲資產管理中心推動情形本會於去年9月10日正式公布五大計畫16項重點策略並於10月24日於貴委員會報告本會持續依計畫加強推動"},{"start":2151.858,"end":2179.394,"text":"期望達成兩年有感之目標在兩年中預計完成54項以上的法規鬆綁與業務開放以金融資產管理規模增加4兆為目標截至今年2月底資產管理規模已達34兆餘元較計畫推動前增加2.5兆截至3月已完成19項以上的鬆綁並開放13項以上的業務項目僅就目前的重要進度說明"},{"start":2180.434,"end":2199.191,"text":"壯大本國資產管理規模部分放寬全權委託規定吸引國內外機構資金全權委託國內業者操作放寬保險業立官人從事全權委託交易支項目及限額開放主動ETF及被動式多資產ETF"},{"start":2200.512,"end":2222.205,"text":"透過政策誘因引導外國資產管理業者加大對台灣之投資開放外部資產管理公司EAM設立積極吸引國外資產管理業者設立據點吸引資金回流中央與地方協力設立地方資產管理專區協同高雄市政府提供行政與費用補助等誘因共同規劃推動資產管理專區"},{"start":2225.014,"end":2233.102,"text":"定定金融業申請進駐地方資產管理專區事辦業務作業原則進行集體業務事辦針對財富管理高資產客戶業務OBU境外高資產客戶業務跨境業務OIU OSU投信投顧與證券業等大幅鬆綁法規開放超過20項以上的事辦新業務"},{"start":2247.577,"end":2267.658,"text":"透過專區一站式金融服務多元化商品提供金融機構共同合作強化境內外資產管理質量更重要的是強化專區業務之洗錢防治作業及風險管理措施具體成果包括主動式ETF及被動式多重資產ETF目前已有6家業者送件合計7檔基金"},{"start":2269.335,"end":2289.209,"text":"截至今年2月投信投顧總管理資產達13.4兆元較同期增加2.9兆元並有16家銀行與高雄市政府簽署合作意向書《券商投信投顧與保險業易積及評估》中在這兩天將會公布金融業申請進駐地方資產管理專區事辦業務作業原則預計4月開放金融機構申請最快7月正式進駐營運"},{"start":2299.997,"end":2310.662,"text":"推動普惠與永續融合分階段推動具台灣特色之個人投資儲蓄專戶TESA第一階段透過公司協力由吉保公司協助全體國人"},{"start":2312.133,"end":2329.215,"text":"建立個人TESA管理帳戶預計今年上半年完成規劃上限開放申請第二階段持續與相關部會延伤租稅及其他誘因增加TESA普及率及參與率推動永續綠色金融商品培訓資產管理人才推出金融大回饋計畫"},{"start":2330.676,"end":2351.01,"text":"為讓金融市場發展成果 讓全民共享 落實普惠金融金管會將推出相關計畫 課證盤點 金融業現行各項回饋基層員工 消費者及社會大眾之措施未來就可推動措施 提出建議並與金融總會共同研商預計今年下半年提出具體措施"},{"start":2352.091,"end":2361.026,"text":"目前具體已有發行11檔永續發展債券共157億元以及成功發行首檔中小企業永續轉換公司債並上櫃金額125億元"},{"start":2366.531,"end":2389.845,"text":"財富管理促進計畫 全面開放私人銀行業務 已於今年3月3日全面放寬銀行辦理高資產客戶私人銀行業務之申請條件也開放了投信投顧事業辦理家族辦公室整合顧問服務 亦同時於地方資產管理專區進行試辦並增進OBU財富管理業務 OSU交易便利及OIU多元化商品"},{"start":2391.443,"end":2415.963,"text":"總共在增進銀行國際金融業務分行OBU海外資產管理功能部分開放多項業務以及簡化外國人OSU網路開戶作業下單身份認證方式以及開放OSU對境外客戶辦理不限用途借貸款項制業務延長OIU租稅10年法案並以送大院審議中推動OIU設計新種商品"},{"start":2416.963,"end":2443.049,"text":"目前已核准14家銀行辦理本項業務高資產客戶人數達1萬2千餘人資產管理規模達1.48兆較去年同期增加5千餘人及5千7百億元是促進公共債券及證券化吸引資金投入公建已請證交所及櫃買中心組成公建證券化專案團隊資本市場服務團協助各政府部門辦理相關業務"},{"start":2444.93,"end":2450.557,"text":"並放寬保險業投資公共建設及PE創投事業所適用的風險係數由10.18降為1.28並擴大保險業資金參與公共投資之範圍納入依促參法及其他法令規定之公共建設項目"},{"start":2463.032,"end":2472.857,"text":"並嚴厲頭信頭顧法部分修正條文送大院審議也擬修正保險業於一定額度內投資創投事業得適用較低風險係數放寬證券商及頭信事業轉投資或受託管理之PVVC放資銷售管道"},{"start":2479.765,"end":2501.267,"text":"擴大保險業資金可投資國內私募股權基金之範圍我們持續請證交所及櫃買中心推動股市壯大計畫協助優質新興產業加速進入資本市場吸引更多新創企業申請上市並於今年1月6號取消創新版合格投資人限制今晚會議加速推動跨境ETF相互掛牌"},{"start":2501.907,"end":2518.399,"text":"並以公告日本正式成為境外ETF基金註冊地及基金管理機構所在地具體成果目前創新版加速掛牌計20家 迄今成交金額145億已達113年全年249億之58%日均量3.15億為過去之3倍今年第三季預計會有首檔的台日ETF掛牌目前已有兩檔台股ETF"},{"start":2529.626,"end":2548.268,"text":"存托憑證於泰國證券交易所掛牌上市跨部會協商合作本項計畫為行政院經濟發展委員會下重要計畫之一其中涉及多部會間的合作協調非常感謝各部會的協助財政部協助支持延長OIU及OSU的租稅優惠以及"},{"start":2549.62,"end":2573.539,"text":"協助各級政府辦理發債作業鼓勵公股銀行進駐地方資產管理專區亦協助提供TISA相關租稅之建議中央銀行對推動地方資產管理專區事辦業務項目經本會拜會中央銀行提供諸多建議並獲支持並協助OIU商品多元化調整國人每年累積結匯金額國發會執行兆元投資國家發展計畫協助政府發展"},{"start":2577.943,"end":2596.462,"text":"發行證券化永續債等增進公建金融商品提供保險業投資公共建設私募股權基金機會環境部及經濟部協助共同推動ESCO引導保險業推動能源技術服務產業法務部協助有關家族信託法這次調整與解釋"},{"start":2597.643,"end":2615.968,"text":"三、透過金融科技創新帶動金融發展本會持續加強推動金融科技事辦業務執行影譜尋光計畫鼓勵金融科技創新應用並評估修正金融科技發展與創新實驗條例成立金融科技產業發展聯盟進行團體合作協同推動技術創新與市場擴展"},{"start":2621.71,"end":2638.448,"text":"成立RWA代幣化小組測試實體資產代幣化的可行性推行虛擬資產保管業務之主題式業務事辦6月底提出虛擬資產服務專法草案送行政院並將開放申請數位保險公司及調整存網營業務範圍"},{"start":2640.47,"end":2656.37,"text":"推動金融行動身份識別標準化機制本會將持續推動各項措施促進金融科技之創新推動整體金融市場之進步4 推動永續金融驅動淨零轉型及金融發展金融業透過"},{"start":2657.491,"end":2668.421,"text":"轉型金融、永續發展債券、綠色壽信及ESG基金等金融市場工具支持加速低碳技術突破與市場擴展提升企業競爭力同時開創新的投資機會實現金融與產業雙贏"},{"start":2674.861,"end":2704.081,"text":"金管會將持續與金融業緊密合作及跨部會溝通協調目標不僅是壯大台灣金融產業更要提升在全球資產管理領域的競爭力期望透過整合資源串接各類金融商品服務提供更具彈性與客製化的一站式金融服務吸引國內外資金達成流載引資帶動台灣金融業與整體經濟發展並達成均衡台灣回饋社會之願景以上報告敬請各位委員指教謝謝"},{"start":2706.842,"end":2726.774,"text":"好 謝謝主委那現在開始詢答 先做以下的宣告每一位初期的委員花園的時間是8分鐘必要的時候延長2分鐘每一位列席的委員花園的時間是5分鐘今天上午10點我們截止花園的登記現在依序登記的順序請第一位林德虎委員質詢 謝謝"},{"start":2742.478,"end":2748.32,"text":"謝謝謝謝主席首先是不是請那個金管會彭主委主委你好主委我請教因為媒體報導OIU免稅優惠延長10年那當然目的就是推動亞洲資產管理中心那我請問主委"},{"start":2771.667,"end":2786.163,"text":"OIU實施免稅優惠對整個國際金融、證券以及保險業務所得狀況金管會有沒有統計或評估相關的這些業務所得的消長"},{"start":2787.744,"end":2809.569,"text":"會受到哪些的影響?我們在3歐裡面OIU的發展相對是比較晚的然後再來就是過去因為疫情的關係實際上OIU在過去有一陣子呢其實上它的發展是受到一些限制但是因為我們這次推出了亞洲資產管理中心裡面有個境外金融的整合"},{"start":2810.149,"end":2826.387,"text":"那部分因為我們的這個稅制到今年2月5號到期了所以這部分我們希望再把它持續延長那OIU我們也看到了在國外的經驗上有很多的機會比如說這裡面很多的商品是保險的商品特別是境外的外國人可以透過這樣來發展"},{"start":2827.828,"end":2856.77,"text":"過去是他們單獨發展這次透過亞洲資產管理中心是會跟其他的OBU OSU一起做整合所以我想這次我們非常感謝財政部也能夠協助我們把這個法案能夠送進我們大院來審議好 那我請教 主委換句話說 金管會有沒有評估法令免稅優惠延長能夠提升多少幾成業務所得有沒有評估過"},{"start":2857.73,"end":2882.772,"text":"這個部分我們對於OIU的部分因為OIU過去的基期非常的低然後因為過去有幾年的業務基本上就是處於是非常低迷的階段我們在最近我們也放寬了一個全新的商品給保險業來參與所以這部分我們預期未來在OIU的部分應該會在不管是專區或是在OIU的這些的領域應該會有一些很大的發展"},{"start":2883.692,"end":2910.469,"text":"主委其實在台灣市場現況來看還有哪些因素啊也會影響到這些業務所得提升或是這個萎縮我想這個我們的境外金融就不管OIU OSU OBU它主要的對象還是針對是外國客戶我想外國客戶他所參考是國際上的比較比如說我們的產品有沒有吸引力還有就是說"},{"start":2911.329,"end":2936.553,"text":"這部分因為它是一定是那個資金的流動他會去做一個比較所以我們在很多的商品我們必須要跟國際市場要有競爭力所以像這次的話我們也跟我們的業界溝通說我們盡量在先在專區做一個放寬讓他的產品能夠跟國際上對接所以剛剛委員提到說什麼影響最大我覺得是國際上面的競爭力相關的影響國際競爭應該是最大的影響其實濟南軍管會要推動亞洲"},{"start":2941.694,"end":2960.958,"text":"這個資產管理中心那相對來說也應該有相對應的這些攻守的對策那對目標客戶的策略目的區分為流財或影資和影資那我請問主委從這兩種客戶面的這個業務質量"},{"start":2966.499,"end":2995.126,"text":"其所得的這個預估啊你認為流財引資應該是以誰為主啊現階段我們非常非常明確的那個我們有看到很多數據台灣的民間財富這個數字非常的巨大但是由我們國內的金融服務業來管理的這個比例非常的低所以我們在進行這項計畫的時候呢我們第一階段是先以流財為主要的主軸"},{"start":2995.806,"end":3012.145,"text":"所以說還是以流財為主是吧目前第一階段是以流財為主然後再來我們還是同步的還是有進行相關引資的政策就是說我們只是說現在重點我們會把它放在流財為主要的重點項目這樣齁那有沒有其他的看法"},{"start":3013.167,"end":3038.381,"text":"其實我覺得資金他本身是非常非常聰明的他會根據他自己的需求那我覺得主要是因為國人他有很多的財富也許是我們在法規上面不夠具有競爭力所以這次剛剛有提到我們希望透過大規模的法規鬆綁我們在過去這半年來我們鬆綁了應該將近20個法令那特別是對金融商品服務的放寬我想這部分呢應該是"},{"start":3039.441,"end":3058.662,"text":"可以有助於國人在做一個理財的時候多一個選項能夠選擇我們本國的金融服務業者來提供資產管理服務五年前香港反送中事件後引發各界對整個亞洲區金融中心移轉的聯想"},{"start":3060.123,"end":3076.543,"text":"那有香港學者認為美國和西歐投資者撤走主要原因是地緣政治導致某部分的業務香港明顯不適合發展那我請問主委就您的了解"},{"start":3077.484,"end":3093.013,"text":"幾年來香港亞洲金融中心的地位有沒有受負面影響以導致GFCI全球金融中心指數的城市排名嚴重的倒退有沒有"},{"start":3093.453,"end":3121.047,"text":"我想國際上面的金融市場的競爭是非常非常激烈的任何一個結構性的改變都會影響到這個金流的流向我想就以我們看這個財富管理業務而言或是我們資產管理業務而言很明顯的那個香港的另一個主要的競爭對手新加坡那實際上在過去這段期間很多的金流的流動是非常非常明顯我想國際上的競爭實際上這是一個最主要的考量"},{"start":3121.627,"end":3145.798,"text":"那你認為出走香港的歐美國家海外金融業務以目前台灣的狀況有足夠的吸引力嗎其實我覺得資本或是資金它有多重面向的需求假設是相同類型的需求它會尋找一個更有利的方式但是我們在推動這個計畫的時候我在很多的地方也跟"},{"start":3146.698,"end":3147.579,"text":"以金管會推動亞洲資產管理中心的發展態樣你認為"},{"start":3173.143,"end":3196.404,"text":"具備主動以及吸引外資的優勢有這些優勢的公式嗎我覺得台灣有我們的優勢當然也有我們的劣勢我想這是世界各個市場都有我覺得台灣的優勢就是真的台灣的民間財富非常的多我想這部分在各種的統計數據上都非常的明顯的表達出來"},{"start":3198.786,"end":3219.206,"text":"那再來第二個其實台灣人的投資意識跟投資的動能其實非常的強那再來就是說我覺得我們過去呢可能是因為法規上面限制比較多我們朝這個方向來走可以有很明顯的對於一些資金會產生吸引力那當然我們必須不可諱言我們跟其他相對於城市型為主的"},{"start":3219.847,"end":3239.675,"text":"那個金融中心他們有稅上面很大的優惠我想這部分我們可能很難在這方面跟他競爭但是我覺得我們還有其他的優勢可以來特別重要我們台灣有很多可投資的產業這樣喔那又或者是重點還是放在被動留住國人財富的守勢較為保險會不會這樣子"},{"start":3241.816,"end":3267.13,"text":"這個就是我們的策略執行一定有目標跟階段性那我們常常講說如果我們對國人資產都無法留下你就很難對外面的資金有更大的吸引力我想這部分我們同步並進但是我們必須很務實的如果說我們針對我們外流的資金做一個吸引我覺得應該是比較低成本而且比較有可行的方向現階段"},{"start":3268.231,"end":3279.852,"text":"主委 就本席的觀察 整體來看中國對支撐香港金融地位的策略運用是奏效的"},{"start":3281.072,"end":3304.937,"text":"但是反觀台北從109年還是GFCI城市的42名但是到了去年和今年的排名則落到73名以及70名那我請問主委賴總統表示對岸中國是境外的敵對勢力那從目前兩岸的地緣政治狀態你認為推動亞洲資產管理中心會不會"},{"start":3309.958,"end":3334.805,"text":"有相當的困難度任何一個計畫都有它的困難度我想剛才資金是向全世界在競爭我想這部分全世界都在競爭這個資金所以我覺得意思說這部分我們會用我們的優勢來克服我們的劣勢所以剛剛講說很多對於國際金融中心的排名我們當然是非常的這個關注也謝謝他們對我們的一些的"},{"start":3336.805,"end":3358.163,"text":"但是我覺得我們這個透過這樣的推動其實我們應該是會持續的進步那我請教會不會面臨這個對岸中國的阻擾會不會我想資金的部分呢他會受到各種因素的影響我想他有部分但是呢我覺得還是看我們自身的條件還有他這個資金想要投資標的屬性來決定"},{"start":3359.704,"end":3381.606,"text":"按照GFCI的排名狀況建構亞洲資產管理中心短期內要奏效甚至於提升較前面的席次的GFCI城市排名請問主委你認為有沒有機會有沒有信心我覺得這應該是因為我們現在其實我不認為"},{"start":3382.867,"end":3404.827,"text":"台灣在國際的金融市場上是應該是這樣的排名也許是在數據的提供或是說他們在資訊上面的這個不足那我想這部分我們會來會來努力讓我們整個政策讓全世界知道然後這部分呢我們可以我是很有信心這個排名會有信心好謝謝謝謝謝謝委員謝謝德虎接著請吳秉瑞委員發言"},{"start":3418.925,"end":3429.658,"text":"主席 麻煩請金管會彭主委好 彭主委委員長 早齁 早剛剛各單位的報告都看了一下這個"},{"start":3431.843,"end":3451.031,"text":"超額儲蓄過去累積10年已經達到30兆以上然後去年一年是4兆多一點點那這樣一直不停的累積如果不想辦法要處理用這麼大的資金在追求小的少的資產的話那個資產會"},{"start":3454.281,"end":3476.563,"text":"等於就是會過熱了導致很多方面包括不動產的不適當的高漲跟這個可能都有一點關係所以如何可以增加台灣的財富對其他的國家的投資尤其是美國川普總統上台之後"},{"start":3478.292,"end":3503.398,"text":"川普總統他現在就是譬如說提出的對等關稅等等就是要站在美國的立場希望大家能夠平等的對待他尤其台灣是對美國非常高的貿易順差那去年就有700多億739億美金所以是對美國第六大的全美國統計"},{"start":3504.818,"end":3527.753,"text":"台灣是對他是第六大的這個順差的國家那在這樣的狀況之下賴總統有鑑於這一點他也曾經提倡說希望台灣的廠商如果美國的投資環境適當的時候然後他策略上認為可以的話應該擴大對美國的投資這一點不知道你的看法怎麼樣"},{"start":3528.697,"end":3543.369,"text":"我想我們在推動這個計畫的時候其實本來就是希望我們國人的財富能夠做更合理的運用那不要過度集中在某一些特定的方向去那也是這要必須透過專業的人來"},{"start":3545.43,"end":3568.825,"text":"來做一個規劃當然比如說我們台灣的這個投資的工具或市場可能沒辦法容納台灣這麼多的這個資金所以勢必有一部分是要合理的分配在海外去做這樣的一個投資像比如我們過去很多金融業的資產就是做這樣這個分配但是我們希望說能夠有一個更專業的方式來幫國人來做這件事情"},{"start":3570.746,"end":3590.04,"text":"如果現在政府的角度是希望台灣優良的廠商可以去美國當然經過那公司的評估去做比較多一點的投資那你贊不贊成台灣的個人在跟美國平等互惠的狀況下讓個人也能夠多一點到美國去投資"},{"start":3591.783,"end":3609.155,"text":"這個跟委員報告我想所以我們其實上很難用政策去限制一個資金的完整的流向當美國的機會比較多他的相對的國際的資金的競爭力強他自然就會引導那個資本過去那我的意思是說我們在政府政策上應該要"},{"start":3610.155,"end":3613.518,"text":"讓這些錢能夠留在台灣建設台灣促進我們產業的發展這是雙向的"},{"start":3629.631,"end":3639.916,"text":"那我覺得我們不會去刻意的就說那個錢一定要留在台灣假設國外有很好的我們也透過專業的團隊來幫我們的不管是個人或法人來做這樣的一個安排"},{"start":3640.543,"end":3666.148,"text":"投資的目的是要獲利啦投資的目的不是說錢跑去美國然後就留在那邊主要看機會還有就是他未來的譬如說很多的台灣的這個大型的保險公司也在美國買了非常多的美債啊美國公債啊那全世界認為說這是信用平等最好的不會跳票的等等投資的目的是為了要賺錢嘛是安全跟賺錢問題是這樣子啊你光只有台灣這方面的法令放寬"},{"start":3667.64,"end":3679.163,"text":"還不夠啊你跟美國之間有沒有辦法可以談一個平等互惠譬如說讓台灣的個人直接投資美國的股市呢不要現在主要的管道都要經過副委託啊"},{"start":3680.455,"end":3704.845,"text":"那可以降低中間的這些勞費啊有沒有辦法這一點當然是國際資金呢他會尋找一個降低交易成本的方式因為主要是我們現在我們國內有相關的產業比如我們證券業他就從事這個業務所以我們當然是站在我們自己的法規架構下面才會衍生出這個付委託的一個架構我想相對從對方國家大概也會有這樣的一個考慮啦我想"},{"start":3705.405,"end":3732.46,"text":"但是我們在國際上的交易現在越來越大家越來越透明很多人他也有辦法透過自己的力量直接可以去做這個買賣不過就是相對他有一定的門檻跟所謂的這個對這個金融市場的理解如果你有綠卡或是說你是有雙重國籍你投資直接投資美國股是沒有問題啦那現在問題是說能不能對談我知道現在我有問過國內的證券業者他們說要去美國"},{"start":3733.801,"end":3753.458,"text":"為什麼要用付委託的方式因為你去美國的交易所你要去註冊變成他們的會員那個會費相當的高啊還有保管銀行的問題啦 蕭昱你的錢你的那個款券那些都要有一個機構在那邊那我的意思是說我們有沒有這樣的想法跟一個這麼大的這個可以投資標的國家"},{"start":3755.509,"end":3781.965,"text":"台灣直接投資美國美國直接投資台灣互相之間把這個法令把它處理好讓兩邊的人要投資都很方便那我們台灣就可以我不用經過這麼麻煩的手續我也不用經過這麼多的這個這個不用這麼多的費用然後我就直接可以投資美國的股市呢那美國人也可以直接來投資台灣的股市呢對這個是雙向互利的方式來做啦就是說所以這部分"},{"start":3783.12,"end":3810.394,"text":"我們前一陣子也有請我們政企局去檢討比如說外國人投資台灣的一些的方式我想這部分這個方向我們來請我們的同仁針對這部分能不能針對這個東西來做一些分析跟做一些看看有什麼我們可以降低交易成本然後可以增加這個雙方投資因為畢竟我們要發展這個資金流通的一個中心能夠更方便我想交易成本更低應該是一個方向"},{"start":3811.104,"end":3827.191,"text":"而且這有一個好處啊你投資可以希望我們的企業多投資美國那我們個人的資金也投資美國的股市那美國的資金也可以投資台灣的股市那這樣雙方面之間的更加緊密的結合嘛"},{"start":3827.911,"end":3853.152,"text":"其實現在是這個機制是有的我們會來考慮就是說這樣的機制有沒有一些比如交易成本比較高的地方我們再來想因為其實我們外國人投資台灣的這個股市其實管道非常所以我們現在外資大概佔43%其實那個比重也是有的只是說剛剛委員所指教說假設個人的部分有沒有還有什麼其他可以來檢討的讓這部分可以更為順暢如果因為其實現在這個"},{"start":3858.147,"end":3879.308,"text":"網路的關係這個資訊都是很充足的那美國的市場大家認為他的公式公信他的街市是更清楚的那所以如果投資美國市場是台灣投資人的一個選擇的話那當然還是在中央銀行管制的現在說一個人一千萬美金以下啦等等這些那些的管制還是可以在的"},{"start":3879.989,"end":3897.666,"text":"但是如何讓台灣的人便利那我覺得金融會員會有這樣的想法如果有這樣的想法的話那是不是要跟美國這邊的政府對政府部門之間來去談這個如何來平等互惠然後讓雙方的國人都能夠比較方便的方式"},{"start":3898.386,"end":3923.612,"text":"這跟我們其實上我們在壯大我們的資本市場計畫裡面怎麼樣擴大我們國際間比如資本市場的合作就是我們交易所也在推動像我們在推動那個ETF雙掛牌其實某種程度的精神是很類似的就是希望說兩方的資金相互投資能夠更便利除了標的以外還有整個流程的部分我想我們會再請我們交易所還有就是我們的"},{"start":3924.372,"end":3950.697,"text":"但是ETF畢竟是一包的啊那我也不想要如果有人是對這個比較內行的我要直接舉一個例子現在特斯拉跌很多嘛那我直接想要去買特斯拉的股票假設他的研究是這樣的話那這樣子可以讓他方便嘛等等這是整個比較大問題的框架啦所以這一方面也是可以努力的"},{"start":3951.537,"end":3971.262,"text":"當然就是整個我們推動國際的這個所謂的資金的流通那怎麼樣強化這競爭因為他假如他跟其他國家的交易是這樣那我們所障礙多一分我們的競爭力就少一個那這當然很自然好那這個就是謝謝希望你們能夠在這方面加強努力謝謝好謝謝委員謝謝好謝謝秉瑞這個請賴思寶召委質詢"},{"start":3990.512,"end":3996.323,"text":"謝謝主席以及各位先進有請金管會的彭主委好 請金管會彭主委早安"},{"start":4002.395,"end":4019.961,"text":"我相信GFCI的指數排名你看到了我們越來越差了2024年的9月排到第73名最好的一年是2010年馬政府時代的19名"},{"start":4024.404,"end":4039.196,"text":"這個你自己要推這個亞洲資產管理中心啊你自己給自己定個KPI吧我們就講這個KPI你還不要講一下明年的就今年的九月一年以後我們這個能不能提升提升實名"},{"start":4040.057,"end":4064.976,"text":"我想就是跟委員報告一下我覺得我很有信心這一定會止跌回升這因為為什麼就實際上我們在做這件事情在某種程度是增加我們的整個國際金融中心的這些不管是他的能夠開始啟動沒有你不要跟我講教科書亞洲台灣要設在高雄設亞洲資產管理中心啟動沒有"},{"start":4065.496,"end":4090.729,"text":"那是專區是我們計劃其中的一個那這部分呢我們應該是明天的話如果說我們快的話按照行政程序我們當然明天會發布這個事辦原則就宣告4月就可以開始來申請4月就可以申請他們籌備房幣就是主要是OBU還有私人銀行沒有 私人銀行對 主要是私人銀行"},{"start":4093.951,"end":4120.128,"text":"他的OBU海外的帳戶OBU的部分會加上我們的OSU OSU勒OSU勒 OSU勒一樣都有都有明天開始申請明天應該快的話我們行政審議明天就會公告我們這個如果可以的話就是大概4月就可以開放4月就到了"},{"start":4121.388,"end":4125.112,"text":"所以明天公佈辦法明天開始申請"},{"start":4136.821,"end":4161.117,"text":"那申請的話最快看他們自己籌備的什麼規定他現在有不同因為我們這次開放有大概三四個業態一個就是銀行的話他必須要第一個他有跟地方政府簽MOU這是一個要件因為他要到地方專區再來他要取得我們私人銀行的執照那再來我們也開放了這個保險還有證券投信什麼人可以申請"},{"start":4162.357,"end":4179.909,"text":"要有一定的條件才可以就是普通人可不可以申請不行他要吻合這個要件海外在海外的帳戶可不可以申請那就是如果他是這家銀行他已經有申請這個業務他是我們OBU的客戶那當然就會包含在這次的事辦範圍裡面"},{"start":4181.789,"end":4202.082,"text":"主委你要小心一點喔最早成立台灣變成亞太營運中心是李登輝前總統時代那時候中國大陸還沒起來所以他主要希望把經貿國際化強化台灣的安全效果也不錯後來陳水扁當總統了"},{"start":4204.483,"end":4212.015,"text":"就取消掉了就沒有了那時候的背景是這個樣子那你現在呢我們來看喔現在來講的話外界會擔心因為有錢人啊"},{"start":4216.377,"end":4235.916,"text":"有好幾本護照有些人一堆很簡單的結果你現在是需要把外面的錢進來結果人家已經講了好幾個專家都講了你不要投機不找十三十八米喔你會讓台灣的富豪"},{"start":4237.133,"end":4261.193,"text":"把錢匯出去了 透過你這裡面的OSU匯出去了你怎麼辦我們在整個制度設計 我們這次主要是英鎊的部分我們也看到了 其實國內很多的財富呢因為你提了人家有錢人就那些護老啊 就成立家族辦公室他們家族就成立辦公室配合你的政策 怎麼樣把錢弄出去"},{"start":4262.634,"end":4289.553,"text":"我們如果他的家族辦公室成立在國內那個方向剛好顛倒他會把錢進到台灣來反而是我們現階段也許很多的國人在海外成立家族辦公室我們就希望透過這個方式用英鎊的方式吸引他回來由我們的金融服務業的團隊來做這件事情你還沒有回答我剛才第一個問題你總是要給自己KPI吧你今天的9月可以提升到幾名提升幾名"},{"start":4290.754,"end":4305.928,"text":"那不好意思我剛才講到一半剛好就是因為你講一些講太多了我沒時間聽你講因為主要是這個評比是以城市為主那我們這個是整個國家在推動我想一定對比如說城市是會有影響的像比如說"},{"start":4306.528,"end":4333.964,"text":"當然有影響一個國家有好幾個城市可以參與評比這是以台北市為主但我想說這部分也可以做一個窗口來指標我是覺得說假設我們在推動這個指標我覺得一開始我們才推動幾個月我覺得這種訊息釋放還有很多它裡面的指標一定會有一些影響我覺得一開始接下來看到一定會止跌回升但是接下來應該在一開始的時候我覺得"},{"start":4335.245,"end":4349.62,"text":"我給自己一個比較保守的想法就是說我們希望我們推動這個兩年至少能夠提升10到20名左右兩年提升10到20名你企圖心也太少了你不就說我要提升到"},{"start":4350.24,"end":4369.61,"text":"我要提升到蔡英文剛開始接的時候27名那是我們未來就是假設每年都能夠往前提升這個我們假設每年都能夠往前提升我們這樣努力的話我想再過幾年之後我想我們就會回到我們應該該有的被認可的我們舉財政部的市長一起來好嗎那個時間暫停一下"},{"start":4381.795,"end":4384.978,"text":"處長啊OVU OSU OIU營業稅 營所稅 印花稅都不要交咧"},{"start":4391.861,"end":4420.6,"text":"現在是免稅啊對啊你現在按照我們的法律規定就是免稅啊這樣你有沒有算過說你到底是缺了什麼你這水都不要了 其他的人但是他在境內交易這一部分還是要按照對啊 境內還是要境外交易這個東西是剛剛不是 你算過沒有我稅少收了但是我賺到什麼你賺到什麼 請問你"},{"start":4422.819,"end":4442.568,"text":"賺到什麼基本上因為他就這個業者來講他還是有會有新的獲利還有獲利的來源你沒有回答問題啊我的意思就是說我們就省掉我們就少收了稅但是他總是要給我們什麼嘛我們給他免稅他給我什麼你告訴我我們"},{"start":4444.239,"end":4453.443,"text":"給他免稅但是就這個業者來他當然就是就跟境外交易這一部分根據目前的規定你講不清楚來主委來講主委來講來來來免稅主委他帶給我們什麼可以讓他給他免稅這個錢很多勒銀索稅幾十八勒"},{"start":4463.488,"end":4488.831,"text":"但是就業者來講他還是他雖然是可以適用免稅但是還是要適用我們最低稅負還是要課稅啊第二個他對國內的交易這一部分還是要按照國內的這個相關稅法來課稅所以基本上他不會完全免掉啦歐比歐歐是一種情懷雙情懷啦好 這個你 你在我就來同時問一下那個主委請回齁"},{"start":4491.603,"end":4495.804,"text":"這次的緬甸泰國的地震對銀行的影響113年 去年赴緬甸326屆 總共有87億美金新南向好像是政府鼓勵的一個政策"},{"start":4515.598,"end":4540.535,"text":"就工股來講我們在緬甸的都只有辦事處換句話說它是沒有實際的營業行為主委 主委但是民營的行庫它是會有分行的總部選多少你知道嗎市長你知道嗎主委請問你緬甸泰國的地震總部選多少"},{"start":4542.161,"end":4546.905,"text":"報委員,緬甸的曝險是41.42億,然後我們泰國的...講台幣齁,台幣對,這個是台幣,然後那個泰國的曝險是1280億1280億1280億對,台幣我已經...也沒救了"},{"start":4563.277,"end":4580.838,"text":"不過目前我們所接到的訊息就是他們分行的人員還有建築物一切都還因為大家都說明電是茂興的新樂園我就請教主委上市公司你知道上市公司有幾家在明電"},{"start":4583.525,"end":4597.25,"text":"這個我現在沒有這個數據我告訴你 因為時間到了我待會會把這數據再提供給委員我現在告訴你數字132家我們上市公司全部多少家總共上市櫃將近1039再十幾趴我們現在像跑去壓制地震影響很大"},{"start":4611.207,"end":4633.309,"text":"對啊 那泰國本來就很多我們的產業會移到那邊去我們幫他們密切呼籲就像我們剛才銀行一發生以後 我們銀行就立刻就啟動這個我們去調查這個 曝險的這個情況包括他們所有的航設 現在情況 人員如何我們都立刻就啟動了這樣的一個措施是不是人員平安 損失不大"},{"start":4633.969,"end":4656.731,"text":"他剛才講過就是我們所有的航車現在都是算是就是安全的狀態好 最後一題我請教次長啦財政部的次長那個101的大股東易騰宗啊持股31%賣出一半給范工股范工股現在佔70號牌你了解一下他為什麼要撤離啊易騰宗為什麼要撤離台灣"},{"start":4659.028,"end":4671.475,"text":"他為什麼要賣股啦這是基於他自己的投資要轉換的考量啦所以他當時是希望就是說能夠處分他在台灣的一些資產外資為什麼不賣給外資還賣給本國銀行其實這個是公司自己的範圍啦那基本上他在101他過去的獲利其實都相當不錯啦"},{"start":4686.084,"end":4714.997,"text":"我的解讀啦 這是在我的解讀啦 這是在LICE 失調之後做的決定要慢慢撤出台灣地緣政治 其實亞太資產管理中心不管什麼中心地緣政治 台灣的政治安定非常重要這一點 老實說他看到了台灣的政治開始不安定 會怕很緊張 就是這樣"},{"start":4716.396,"end":4726.784,"text":"就我們了解他是基於這個他資產配置重新調整的一個考量謝謝好 謝謝昭緯那這個請過關委員質詢有請彭主委好 彭主委"},{"start":4746.613,"end":4769.439,"text":"主委你回答之前我先回應一下剛剛那個財政部次長那個部分其實就回答精準一點那17條其實早在他們在資產處理之前之後那資產要處理的時候啊一天中要處理早在之前就已經對外發布出風聲了十幾點根本完全不對嘛來主委請教一下你看到本國的這一個金融環境的部分我們要探討一下"},{"start":4770.379,"end":4792.561,"text":"我們的資產管理在這20年來總資產的部分已經高達73兆又多了這個將近50兆然後不論是OBU的這個資產也好或本國銀行的盡力也好或者是國外的盡力也好台股的市值也好台灣的這個GDP也好都呈現了倍增的現象那都呈現倍增的現象而且是數倍的倍增喔"},{"start":4792.901,"end":4810.817,"text":"那我覺得對照於今天這個央行的報告當中的第一趴就跟你講說呢我們的超額儲蓄反應的一個問題呢台灣現在已經呈現了所謂的閒置資本過剩的現象但是閒置資本過剩的情況底下你又要留財又要引資回來這重點其實在哪裡在去處嘛"},{"start":4811.777,"end":4825.462,"text":"關鍵在去處 去處在哪裡 在那環境嘛不是人來不來的問題 根本還是環境的問題你去看一個就好 我今天就舉一個全球金融中心的指數 台北的排行從2016年21名 2020年42名到了2022年變成73名他評估的指標是什麼 人才 環境 基礎建設 聲譽等等"},{"start":4836.606,"end":4851.402,"text":"結果我們的資本實力越來越強但是我們的環境卻越來越差主委你怎麼看在這種情況底下你如何形成一個資產管理中心我想謝謝委員剛剛提供這些訊息我們也有去"},{"start":4852.679,"end":4875.224,"text":"去了解一下因為我們的評比有各式各樣的評比這個評比呢給我們一個比較我們比較比較嚴厲的對但是他其中但能不能接受他還不能接受啊不太服氣因為這部分我不覺得我們我們台灣在整個整個亞太的金融市場地位我們從各種指標就從委員剛剛看到這些東西但是我覺得我們要"},{"start":4876.745,"end":4890.862,"text":"這個要努力的向國際去說明這件事情台灣的一些現況包括這些數字我們也會去了解一下這些指標的背後是不是有些地方比如說是因為資訊提供的問題或是一些指標我們可以來做一個揭露"},{"start":4891.463,"end":4905.054,"text":"主委這個說明當然要持續性的但是是不是認真的面對是不是我們基本面有所欠缺的問題這才是關鍵因為現實上來說有些問題我們真的是要去想一想為什麼同樣的這個ETF在國外的這個收費標準跟國內"},{"start":4910.618,"end":4927.071,"text":"相差很多我講一個數字給你聽在去年高股息的ETF全民封ETF我們的總費用率是座落在0.42%到1.37%之間相對國外的總費用率幾乎都座落在0.1%以下"},{"start":4928.973,"end":4940.561,"text":"0.1%我們的低飆都比人家高飆高了好幾倍啊所以說這種情況下我們的環境當中是不是要去檢討去思考這個問題當然也有些業者他自我反省像原大的話0050他就0.355降到0.141"},{"start":4944.784,"end":4967.804,"text":"那這會影響到什麼影響到我們的這個有關於這個勞保基金要不要購買ETF的一個問題關鍵所以你要如何把他吸引到這個IPO市場當中這都是關鍵啊主委有沒有覺得是這個問題然後你跟他推動了TISA你也是從這邊做切入點啊你的報告當中也講要讓他讓利他本該就讓利了"},{"start":4970.726,"end":4998.778,"text":"他獲利太多了啦對不對主委請說其實我剛剛提到就是說我們在這個報告裡也提到一個其實我從去年開始不管我在高雄專區或是在很多跟金融業在討論這些未來市場發展的會議上都跟他提到金融業必須要面對我們市場要持續成長的這個目標但這個成長的結果呢不應該只有比如公司跟股東來做主要的分配事實上就是公司跟股東在成長"},{"start":4999.538,"end":5027.236,"text":"對就說就剛剛委員講的那個方向就是我們在努力的我們也希望說隨著市場的擴大那這個部分能夠呼應一下能夠就讓利對我想這部分也是我們應該要所以讓利不是只有在TESA的部分而已嘛對不對所以很多政經業者他自己思考這個問題啦我講實在話我們收費過高對投資人不夠友善我們人才的養成其實薪資過低以至於我們有些金融人才都還停留在新加坡或停留在這個香港"},{"start":5027.996,"end":5039.658,"text":"為什麼這些人不回來如果這些人可以回來他也可以帶客戶回來啊你的資產管理中心就可以實現啊當然當然這就是基本面的問題嘛他的評鑑當中也有人才的問題為什麼人才不夠原因在哪裡"},{"start":5041.072,"end":5066.586,"text":"你要留財之前要先引財引財之前要先引人才回來嘛這基本問題我們要去面對這個問題好就拉回來您再提的有關於這一個這個財務管理資產管理也就是說這個資產管理業到底是接近於投信投估業還是什麼沒有一個清楚的定義就這兩邊當中的連結度箭頭的連結度市政銀行是連結到財務管理能不能連結到這個"},{"start":5068.267,"end":5091.638,"text":"資產管理那高資產是不是連結到財富管理高資產算不算資產管理這張圖當中看不出來那個連結性也就是看不出來所謂的定義是什麼當定義不清楚的話大家就很模糊當模糊的情況底下又要怎麼推廣我們有沒有可能再修改這個投信投顧業來清楚的定義所謂的所謂資產管理業是什麼"},{"start":5092.568,"end":5110.378,"text":"有沒有可能這個跟委員報告其實每個國家它法制的結構很不同其實我在開始了解這個議題的時候發覺其實台灣沒有所謂一個執照叫做資產管理業所以比較好的應對的產業就是我們的投信業那再來還有我們的投顧業"},{"start":5111.639,"end":5140.428,"text":"但是實際上後來發現說我們在國外真的對資產管理的概念也不限於只有我們的投信跟投顧他還做很多其他的內容比如說包括我們的創投跟我們的PE也都是一個那我們需不需要再把它精準定義一下或者需要修改一些相關的法制所以我們現在的定義就是我們用一個更廣泛的資產管理的範圍把我們過去已經很有基礎的財富管理業務跟結合我們狹義的所謂資產管理我們現在的方式AMC也是資產管理啊"},{"start":5141.008,"end":5163.974,"text":"那個不一樣那個不一樣名詞上看起來就相同啊那個名稱因為我們過去用了一個資產管理到底我們是什麼樣的資產管理搞不清楚嘛部長用你的智慧來定義一下啦好不好定義清楚一下該修法要修法嘛因為新的政策你需要在法制上落實嘛你一來就是銜接現有法制不然你就是在重新創造一個法制嘛不是嗎"},{"start":5164.574,"end":5191.231,"text":"當然我們現在用 你要推動這個政策問題要變成這個法制的問題跟基本面的問題啊不是嗎剛剛委員講的很好幾件事我們都非常認同第一個我們一定要讓人才有一個好的環境再來就是我們交易應該有一個很好的環境這些都是一個那個先決的要件那再來就是說我們對於法規剛剛那個範圍其實我們現在採取的就是用實務來定義這樣的一個範疇所以我們就結合了剛才兩大塊所以剛剛這部分我覺得我們未來也會隨著這個東西的改變做一些"},{"start":5194.173,"end":5217.127,"text":"變化就像我們上次我們在報告有提到我們這次有開放外部資產管理服務業這個就是一個慢慢去對接國際的一個資產管理的概念你的眼神現在說我都可以理解但是我還跟你講說是基本面的問題要怎麼定義會更清楚我還在跟你談一個基本面的部分像之前啊這本席一直跟這個財務財政部門在argue的部分的這個印花稅的問題財政部過往就是要修這個這個所謂的這個重複課稅的這個稅務"},{"start":5223.29,"end":5244.768,"text":"因為花稅最大的受害者就是金融業嘛所以你理解吧你看113年繳了多少錢115億佔了61%這最大的受害者啊那你在稅制的環境當中你要面對改革啊不是嗎當整個國外資金來的時候你就覺得對這些人不公平嘛對金融業不公平嘛我是說這基本面的問題我們總是要面對嘛"},{"start":5245.974,"end":5266.412,"text":"主委印花稅站在你主管的金融業當中你要有一個基本的看法跟態度出來或一個說明或要求一個政策建議出來那個財政部那個不是建議啦說地方政府都反對哪一個地方政府會贊成把我稅金拿走哪一個地方會贊成問題是這個稅制科的合不合理嘛公不公平嘛不是嗎主委請說"},{"start":5267.293,"end":5285.39,"text":"我想站在金融主管機關對稅的看法會跟財政部跟可能地方政府會有不一樣的看法那我們當然過去我們也接到很多業者的反應我們也持續的向我們的那個租稅主政單位我們去做這個反應當然尤其我們要推動國際資金的競爭的時候"},{"start":5287.552,"end":5301.987,"text":"當我們有一些比較特別的稅制產生劣勢的時候我們還是會持續的溝通也能夠希望剛剛像委員講我們的環境能夠更具有競爭力對啊這個都是我今天跟你討論的其實都是在討論基本面的問題啦"},{"start":5302.868,"end":5329.21,"text":"從人才環境還有稅制的問題還有包括人才的養成的部分你知道現階段的中研院在南部有設立一個南部院區最近的經濟部生技辦公室南部也會有一個辦公室諸多的學術機構或研發機構都設在南部那你現在資產管理專區要把它地區化"},{"start":5330.371,"end":5348.631,"text":"問題你很多金融人才全部的這個訓練機構都集中在台北其他都是一個辦公室聯絡而已沒有真正的想去養成當區的人才我就舉一個例子來說你現在要把專區設在地方專區設在高雄在高雄有嗎"},{"start":5349.292,"end":5367.033,"text":"高雄或許沒有一個比較適合的空間確定政府所謂的設立專區幾乎都是在台南為主就高鐵旁邊類似像中研院的這樣的南部分我們金融延續院有沒有可能設立的可能金融延續院在高雄有辦事處有查過了台中也有"},{"start":5367.353,"end":5385.762,"text":"其實他們還蠻大的再來就是我們這次有一個我們三大人才訓練基地一個是研訓院一個就是中山的國際金融學院對還有就是我們政大的國際金融學院這三個那個是附屬在大學底下的對但是我們也跟他做密切他們也已經答應已經要開設這些人才培育班我想這部分"},{"start":5386.582,"end":5410.333,"text":"但是要有一個類似像中研院南分院的一個規模而且是南區分院而不是分院的一個角色我們會朝這個來講怎麼擴大人才的培育面來去強化要有一個地域性的考量方便性的考量嘛確實因為這次的做法也希望能夠平衡也希望未來各個比說更有潛力的其他縣市也能來參與這樣的一個計畫我們就會去平衡這個人才的培育"},{"start":5410.713,"end":5438.359,"text":"當你有一些金融機構金融單位要下放在地方的時候的同時你就應該考慮有一些人才的養成也應該要在地化的可能所以說我是說你就乾脆思考從一個中研院的這個南分院的一個架構當中來思考金融延續院是不是可以用這種方式來比照辦理的模式來做思維這我們可以跟他們來討論一下比如南區他們在高雄那個的一些功能還有就是我們跟中山來討論來強化看怎麼樣替代"},{"start":5440.779,"end":5458.69,"text":"農山加高雄嘛,你剛才說也是高雄嘛本席一直強調台南,你都沒有聽到重點沒有,我知道就是南部、樓部,因為剛才委員提到專區啦所以我想平衡南北,我們會來努力啦對啊,高鐵有機會去看一下,那邊土地空間比較大啦,好不好必要的時候我還可以跟台南市政府建議啦,OK,好不好人才養成很重要,請主委慎重思考,謝謝謝謝國文委員,接著請陳一貞委員質詢"},{"start":5473.258,"end":5480.661,"text":"謝謝主席我們請金管會還有財政部金管會主委還有財政部主委財政部阮次長委員長安主委次長早你們這個預算通過後有沒有什麼有自愛燃刑嗎"},{"start":5491.721,"end":5517.087,"text":"預算通過我看到你是說財政部跟不是 總預算總預算因為上次我們有申請復議就沒有通過沒有通過那現在你沒有提出你們自愛燃刑的部分嗎當然裡面的確是有一些也有 金管會也有特別是通案通刪那一部分還有一些凍結的部分也有對 凍結那部分也受到一些影響解凍案送來了沒有這兩個部會對不起你們的解凍案送過來了沒有"},{"start":5521.994,"end":5530.861,"text":"解凍解凍那部分對 看 因為對你們凍結對財政部凍結的部分現在在準備當中還沒有是不是對 慢慢再處理慢慢的 金管會送來沒"},{"start":5533.846,"end":5552.553,"text":"經管會經管會報告委員我們大概所有的報告大概都準備好了我們大概就是按照程序來進行什麼時候會送啊我們就按照我們委員會排審的時間我們來處理我看你們好像不大急但是你們在預算被動的時候這兩個部位當然我沒有看到你們下鄉去宣講"},{"start":5553.353,"end":5575.677,"text":"但是你們的網站也是寫說你們是不立什麼凍結預算不立這個不立那個影響校人啊不立財政啊不立什麼影響什麼建設服務啦那你們知道去年113年預算的解凍案是什麼時候開始送進立法院嗎因為去年也有預算被凍嘛今年是114嘛現在2025嘛那2024的時候也有凍2023的預算也有被凍2024是什麼時候送進來解凍嗎"},{"start":5584.42,"end":5590.042,"text":"財政部是在我們去年立法院開議是2月20號正式開議財政部是在18天後開議的18天後在3月8號列入立法院的議程經管會是在3月20號就是33天後"},{"start":5605.787,"end":5620.461,"text":"就是說立法院開議幾天後開始來排解凍嘛開始把資料送過來你們要送過來立法院才能排議程嘛好你知道現在已經多少天了我們是2月11號正式開議了現在已經48天了你們有一個單位送過來給我們解凍嗎"},{"start":5622.574,"end":5630.298,"text":"沒有嘛 財政部還沒有嘛 對不對我們目前還在準備當中還沒準備好嘛 對嘛 今晚會啊 還沒有對 還沒有嘛 對吧所以 所以呢 你們不急嘛可見沒有因為預算沒有因為預算被動啊 所以有什麼很大的這個影響嘛"},{"start":5642.304,"end":5659.114,"text":"因為像這個比如說動三層的話你有影響啊你到現在都還沒有送過來都已經快兩個月啊你們也沒有送解凍案啊前面的幾個月是我們還是民進黨團也不在乎啊因為民進黨團反正讓行政院院會也沒辦法像那個"},{"start":5660.314,"end":5678.609,"text":"總之那個大院也沒有 院會也沒辦法開嘛反正他們站著主席台也不打算讓任何案子通過嘛所以他們也不在乎這個解凍案啦你們也不在乎嘛好 謝謝次長來我們請今晚會主委我們跟請教一下OIU的部分你們OIU在各部分做免稅優惠延長這個10年嘛那原來你們設定的這個"},{"start":5683.646,"end":5701.121,"text":"這個數目和收入的這個總額跟你們原來預估的你看一下這個表原來我們預估設立是36家保險局上來截至112年底獲准成立20家達成率是55%原定預算規模31但截至112年底的規模只有達成1.39億只有達成4.65%"},{"start":5705.666,"end":5710.932,"text":"哇 你看到史上最悲的這個新聞報導2025年的 今年的報導 上個月的報導OIU授權保單一年只賣四張啊 四張一二三四 四張五大關鍵原因 這個經濟日報的報導 五大關鍵原因來 我先請問一下這個保險局 您上來吧"},{"start":5727.045,"end":5746.273,"text":"OIU一年保單只賣四張我們剛剛那個數字都是相關報告應該沒有錯2024年全年只賣四張是這樣子嗎是的為什麼呢受險的一個新契約為什麼呢因為大概過去幾年我們的疫情因素的影響疫情好來沒錯疫情是第二點經濟報說全球2020到2022爆發疫情第一點是什麼"},{"start":5749.735,"end":5766.358,"text":"是還有那個全球一個聚災聚災的一個衝擊的不可控的這些因素那還有我們整個外籍客戶比如說像我們的那個路客來台的人數也有減少第一點最大客源的路客遭大陸"},{"start":5767.319,"end":5790.938,"text":"限制來台 客源少了一大塊第二個疫情第三個美國的肥咖條款第四個地緣政治那還有一點實務上 我先跟您請教一下實務上我聽到很多保險業者跟我講說好像還有這個中間還有這個仲介手續費怎麼報的問題是不是有實際上遇到這個問題你知道我在說什麼嗎"},{"start":5793.42,"end":5817.799,"text":"業務員如果去拉客戶 在海外拉客戶那可能有海外的 海外的 他們也會有海外的仲介那這邊有這邊的仲介嘛 你要拉客戶嘛拉那個大咖的客戶那這邊的這個仲介的 這個海外的那個仲介的費用好像沒有辦法支出還是怎麼樣 是這樣子吧您了解我的說什麼嗎您不了解實務面是吧報告委員就是說我們的那個費用好像沒有辦法支出啊 還是怎麼樣"},{"start":5819.642,"end":5841.095,"text":"你知道嗎 我要拉比如說我要拉彭金榮他是這個香港的巨富然後他有一個仲介也會有一個broker嘛那我們這邊也有仲介的就是營業員就是broker就是然後我們透過我們的仲介去拉香港的這個巨富的時候那個那邊仲介的費用是沒有辦法報的我們相關的你了解這個事情嗎"},{"start":5842.495,"end":5858.523,"text":"你不了解是不是你主管保險業務你不知道這是金融業者跟我們保險業者跟我們反映的而且說這是普遍的一個原因所造成這個這個業界沒有辦法去海外因為這個中間的這個整個費用差別很大所以他們去拉也不一定划算因為這個費用沒辦法保"},{"start":5860.004,"end":5872.89,"text":"你不了解你回去了解這個是實務面上遇到問題但是當然整體的大的環境的原因就是入客那當然地緣政治疫情已經結束了那說到地緣政治來我請主委"},{"start":5874.676,"end":5882.14,"text":"說到敵人政治 賴總統3月13號他提出中國大陸是境外敵對勢力那這個是不是加劇了國人認為戰爭提高的風險性整個提高"},{"start":5890.868,"end":5916.808,"text":"我想這個在我們金管會我們考慮的點就是說我們在整個金融市場是不是足夠穩定跟透明我想這部分我們只是我們會來配合這不是你可以改變的啦我知道那這個但是這個對你在推不管是財富管理中心啦或者是在推這一種什麼OIU啊什麼這一類啦我想對於在美國啊日本啊各地都覺得台灣人真的很危險好像是一個隨時會發生戰爭的地方當台灣的有錢人"},{"start":5920.991,"end":5939.678,"text":"有資產高資產的人都紛紛的怕因為戰爭把自己的錢往外移的時候這個是應該現在普遍的情形至少我知道很多人都是這樣做紛紛的把高資產我們有高資產階層都紛紛把自己的錢往外移的時候我們如何期待世界各地的有權人把他們的錢拿來台灣讓我們來管理呢這個地緣政治的影響實在是太大了"},{"start":5944.42,"end":5972.308,"text":"我想就剛剛跟幾個委員也報告過了我們要推這個計畫當然會有它的困難但是我們也不是只有困難我們也有我們的優勢反正這個東西也不是你可以影響我只是我說也是要讓我們的高層聽到如果一直把台海形塑城是一個可能打仗的地方其實保險局長在這裡包括現在世界上很多船運 兵險這是相關的業者告訴我很多這個貨物都不願意靠來台灣"},{"start":5973.348,"end":5990.114,"text":"因為這個兵險很多保險公司不願意保國際保險公司也不願意保因為這個兵險的話是他們覺得不可以預期也許沒有辦法承擔的造成我們港口的這個進出很多頓速各方面的這個量也變少其實這是影響很大包括外資要不要來投資的這種"},{"start":5991.984,"end":6006.019,"text":"亂邦不入 違邦不入 亂邦不居嘛對吧 古時候不是如你這樣說嗎所以我們如果一直把自己造成是一個地緣政治比較風險高的地方事實上對你要完成的這個所謂不管是亞洲資產關係或者讓國人高資產潛留下來或讓外國有錢人進來的話這個機會很小啦"},{"start":6012.525,"end":6033.583,"text":"機會真的很小 你會越來越困難啊到時候不是你兩年什麼有成你想做但是很難成功大環境實在太不好兩年我們是希望大家能夠知道我們這個選擇沒關係 我跟你講在這個中間我看到一個機會我們去年不是有去金門考察這個兩岸金融市行區嗎在現在這個大家不要笑的確就是金門因為在現在兩岸沒有往來 現在兩岸沒有往來但是金門還有往來"},{"start":6036.445,"end":6058.681,"text":"金門是有陸客的地方陸客現在還到金門去有團體型又有自由型金門也可以很正常的這樣往來一天還是好幾十班船兩岸的往來在金門還是很密切在金門像我們每個月大概金門地區去那邊不管是進鄉或者過來的還是團體還是相當多這個相當多一天大概上個月上個禮拜就"},{"start":6060.082,"end":6087.282,"text":"上禮拜一千多個人去媽祖金鄉在上禮拜保生大帝在三五百個下禮拜又有什麼玄天上帝反正就是很多宗教文化各方面的往來那我們去考察說兩岸金門金門算是一個現在在台海局勢比較緊張的地方是大概我大概很確定如果台海真的打仗金門應該是不會有戰爭的地方大概比較危險的是台灣島所以"},{"start":6088.183,"end":6111.765,"text":"所以我們有討論說把金門成為一個兩岸金融市行區國泰人壽在2016年也曾經去設OIU的這個據點後來因為後來結束營業是覺得地理位置好政策缺乏支持沒有成效所以我們講一下想請你上次我們已經去考察過了兩位副局長也有去現在在入客在金門也可以團體來可以自由"},{"start":6112.185,"end":6130.471,"text":"自由性的開來團體的開來他們高資產大陸的高資產科會也是很多所以如果請你open mind一點一點就是這個四點包括這個兩岸金融這個示範區這個部分是不是請相關的這個主管機關演繹一下相關的在法令行政上面可以協助的事項好嗎"},{"start":6131.771,"end":6155.416,"text":"連你一個書面包給我嗎看我們有沒有什麼發展的空間或者是在兩岸這個緊繃的情況下在一個比較至少在一個和平的島金門這個島上面是不是還有什麼兩岸是不是還有什麼可行的方向讓這個兩岸的氣氛在那裡可以慢慢的讓氣氛慢慢平和然後讓到後來到台灣島的這個整個氣氛也可以平和呢"},{"start":6155.976,"end":6163.458,"text":"我會按照委員的指示一個月內把相關的研究的報告送給您好 謝謝我們請賴會員委員"},{"start":6184.278,"end":6187.139,"text":"好 謝謝主席我們先請國發會經濟發展處處長國發會 邱處長今天很多是女性同胞"},{"start":6202.955,"end":6220.843,"text":"是 處長我們延續剛剛陳一貞委員特別就是說在上個會期我們有到金門去那我們希望那個延逸就是兩岸金融市行區這個是陳一貞委員他提出來的你對這一個提案有沒有印象"},{"start":6223.615,"end":6241.697,"text":"不好意思因為這個部分不是我的處在夜館所以委員的那個意見我們會帶回去延期好 帶回去就是請他就是揮彈不要再對準我們這樣子可行性就大了可行性就大他不會金門不會是那個開曼群島這個"},{"start":6243.559,"end":6265.411,"text":"跟那個陳一貞委員要記得跟他報告我想處長這個今天派你來就是應該你對台灣的金融市場的一個規模跟發展有相當的一個研究所以你代表國發會來那我們如何因應全球的經濟的一個變局那在4月2號川普"},{"start":6265.711,"end":6281.965,"text":"他會提出他的一個關稅關稅的一個測試那個就是設施的一個報告那台灣跟美國的對等關係這個制度的課稅的公式的一個推估我們覺得有幾種變數一種就是說不變"},{"start":6283.106,"end":6299.144,"text":"那一種就是說維持現狀不變一種就是說台灣的進口關稅的稅率他可能會做很大的一個調整那如果僅是就是說這個關稅如果對等美國的2.5%你看在這一個裡頭"},{"start":6300.866,"end":6308.495,"text":"我們會看到了就是很多的一個就是可能會做了很多的一個那個應變那你認為台灣這個影響台灣今年的經濟是會變好還是變壞"},{"start":6315.422,"end":6332.783,"text":"我想這個可能要是這個川普總統他的最後的關稅政策以及他跟我們競爭對手國他相對的關係那我們其實行政院已經國會會有沒有研擬一套方式就是變好變壞都有各有一套是不是"},{"start":6333.443,"end":6353.802,"text":"在行政院有成立一個台美經貿的專案小組那會變好還是變壞?就是院會成立一個專案小組會針對所有可能的情況做砂盤的推移已經成立了嗎?有,在副院長在督導那大概是會變好變壞?這個要看實際的方案跟我們的因應的"},{"start":6354.062,"end":6374.879,"text":"所以到現在也沒有辦法知道就是說他會變好還是變壞是 我們會研擬最妥適的對象所以說川普用關稅向全球的那個全球的貿易限戰那帶來的會是通膨還是那個停滯性的通膨的一個隱憂現在也還不確定那我覺得就是說要請教你如果"},{"start":6375.199,"end":6389.959,"text":"接著下來要維持今年的經濟成長的重點那有幾個方向除了就是對外的經貿談判國會會不會就是說規劃任何的一個關稅那可以保三啊"},{"start":6391.575,"end":6416.147,"text":"就目前我們看國內外經濟機構對台灣的預測都是大概說是在三以上他也是像是SMP Global Insight他在最新的預測他甚至還有上修台灣的經濟資本其實我們為了要讓經濟保三其實中央政府應該要有更多的一個作為啦可惜今天的總預算還卡住了跟晚年相比的話甚至大虎的一個刪減跟凍結"},{"start":6418.248,"end":6424.523,"text":"所以就是說這個對一個預算的一個推動還有政策的一個推動會不會受到影響呢"},{"start":6425.763,"end":6448.977,"text":"我們會努力把相關的衝擊降到最低好 會把它降到最低啦是處長你看這兩個計畫就是大投資台灣計畫跟兆元投資發展國家那個發展的一個方向的這兩個計畫你認為他們兩個的一個那個互相的關係在哪裡對 這些都是要引導國內外資金投資台灣來加強台灣的競爭力"},{"start":6451.849,"end":6470.578,"text":"所以這個都是非常重要的好 謝謝今晚為主委 處長你請回怎麼樣因應全球的經濟上的一個變局台股受到了美股的一個連動的影響非常大那就是說 主委你看國安基金這幾天會不會準備那個進場"},{"start":6472.659,"end":6489.693,"text":"報委員國安基金的話是跟那是由財政部主政我們關注的是市場整個有沒有非理性因素的影響還有就是整個市場我們相對的穩定度來看是相對的穩定所以國安基金還不會急著進場"},{"start":6491.094,"end":6503.024,"text":"這個由國安基金來判斷那是由財政部主政的範圍那整個市場市場的你的那個就是處在一個觀望的一個程度你認為就是說這個國安基金會不會進場我們還是在觀望"},{"start":6505.365,"end":6525.815,"text":"那個他們據我所知他們有一套自己的運作的模式還有一些他們的那個判斷的準據那我們所關切的就像比如說會不會整個市場因為過度的比如說非理性因素那我們是不是應該採取相對應的作為我想這部分其實這部分你有沒有現在有沒有採取相對應的那個"},{"start":6526.735,"end":6541.973,"text":"其實這是我們在整個資本市場管理上面在監督管理上的例行性的業務我想不管是我們兩個交易市場還有就是我們相關的一些指標還是我們都隨時都在監看中"},{"start":6543.615,"end":6557.914,"text":"好 主委你提出來的造園投資國家發展的方案最重要就是說你希望加強把民間的資金引到我們的所有的一個公共建設裡頭那其中這個三大策略裡頭"},{"start":6559.096,"end":6586.685,"text":"第二點跟第三點都是跟金管會息息相關這個也是說你念之再之最擔心的就是說資金的來源從哪邊來如何擴大營用資金這個最關鍵的問題就是說資金從哪裡來尤其現在美元走強的一個趨勢下政府要怎麼樣吸引更多的資金回到台灣那金管會會同經濟部的研擬就是說投資台灣的一個三大方案"},{"start":6588.225,"end":6604.872,"text":"這個發揮的一個效果到哪裡咧我想最重要的是剛才文提到沒有錯就是兆元投資計畫主要是他有兩個方向第一個創造標的引入資金我想這裡面大家對期待很深的就是金融業的資金特別是保險業"},{"start":6605.812,"end":6629.663,"text":"那剛剛提到我們第一個呢應該要透過跨部會的努力創造出適合的標的 公建的標的那這個也是我們剛才講亞洲資產關係中心的其中一部分因為這個標的可以由金融業來投資也可以由全面來投資也可以吸引外資來投資所以這部分我們正在努力就是怎麼樣創造出這個標所以說OIU的延長十年其實它的正當性就非常強了"},{"start":6631.464,"end":6657.282,"text":"OIU本來就是它過去就一直存在只是因為我們過去租稅的這個法制上面它有一定的期間我們到了以後覺得政策還是需要延續我們就讓它持續的延長10年那這是我們在推動整個比如說在海外財富管理或資產管理的一環剛剛講我們兆元投資是說希望國內有更多的把這個弓箭能夠變成是一個可投資的標的來吸引國內外的資金"},{"start":6657.662,"end":6671.958,"text":"好 主委那你現在就是說我們都知道台灣的金融業有上百兆的一個資產那你要怎麼樣引進資金你現在現階段面臨到最大的一個困難是什麼最大的一個困難"},{"start":6672.619,"end":6701.308,"text":"當然我想就是主要是標的問題啦因為像比如說這個比如說就以保險為例保險的他所收的保費都有答應客戶一定的這樣那個那個負債的一些的報酬率他必須要找到一個滿足他成本需要的標的所以這部分呢我們也持續的努力在國內能不能創造出更多的標的留住我們的資金來投資我們台灣的這些產業或是工業"},{"start":6702.248,"end":6731.625,"text":"好 主委那我們再回到亞洲資產管理中心央行講的就是說亞洲資產管理中心其實不缺資金那唯有就是說要成為這個亞洲資產管理中心我們希望就是有這一個生態這個生態圈這個生態圈其實是非常重要的我們希望留住這個人才那這個財產我們也希望就是資金我們也希望把它留下來那我希望儘管會在一個月內你提出書面的一個回覆"},{"start":6732.385,"end":6761.042,"text":"那給我那接著再跟這個主委來做一個探討就是說新加坡跟台灣如何就是成為亞洲的資產管理中心其實新加坡他現在在全世界三大的一個資產投資中心他的地位已經是非常穩固了那為什麼新加坡能台灣不能這個其實也是我一直很納悶的一個地方不管就是說在人口數還是說在這個GDP的一個占比"},{"start":6761.542,"end":6784.259,"text":"其實我們台灣應該有一個非常好的一個條件非常好的一個條件那就是今晚會真的針對的這三個面向就是針對的就是兩個國家的一個比較跟嚴密的相關的一個方案請一個月提供書面的一個回覆那我非常贊成就是說政府因勢力道那吸引更多的一個"},{"start":6785.4,"end":6803.99,"text":"國際的資金來投資台灣建設台灣那也透過一個資產管理的相當那個相關的一個配套有效的應用資金當然我們要避免這些錢進來了他會炒房還是股市那甚至就是影響到我們的物價那我們希望的就是這個"},{"start":6805.251,"end":6829.959,"text":"成為是新加坡第二而不是開曼群島這個我想那個主委你應該有一個非常好的一個想法啦這這個也是就是說要特別請那個主委就是把那個書面的資料在一個月內提供給本席是沒問題我會依照那個委員的指示針對裡面的一些的問題我們會一一的詳細回答好謝謝主委謝謝賴會員委員"},{"start":6834.028,"end":6835.028,"text":"所以我們請顏寬恆委員主席 各位立席官員早主席有請今晚會彭主委好 彭主委"},{"start":6859.87,"end":6869.46,"text":"政府推動將台灣打造成亞洲資產管理中心在高雄設立資產管理專區這項計畫體現出我國加強金融市場國際化的決心也更顯示出對於吸引國際資本的渴望"},{"start":6877.868,"end":6893.841,"text":"我國是否能夠創造出與新加坡香港相比更具吸引力的金融中心我存在著一些疑慮那尤其是在我上次有向你提到的地緣政治風險法規環境等相較於這些金融中心的一個競爭"},{"start":6895.427,"end":6909.768,"text":"劣勢那主要面臨必須要解決的問題那否則實在難以吸引這些大型的金融企業來進駐台灣那我國作為亞洲的重要金融市場之一"},{"start":6910.689,"end":6933.901,"text":"尤其是現在川普上台又讓整個國際局勢增添了更多的不確定性因此我在這邊還是要請教主委今晚會如何進一步穩定台灣資本市場尤其是在與新加坡香港等競爭對手相比時台灣有足夠的措施來吸引並保護外資尤其是長期資本的流入請主委說明"},{"start":6934.361,"end":6943.556,"text":"所以我想委員剛剛提到的就是比如說我們在發展亞洲資產觀念中心所面對到的既有的這些的挑戰"},{"start":6944.912,"end":6966.677,"text":"我想確實有些國家它沒有這樣的問題所以它當然在發展起來是比較容易的所以我們在要解決這個問題的時候我剛剛也提到我們其實每個地方都有它的優勢跟劣勢我們就是強化我們的優勢來淡化我們的劣勢那我們想辦法去解決這個問題"},{"start":6968.817,"end":6992.788,"text":"至少把它淡化比如說我們剛才講我們推這個高雄專區主要著重於在境外的客戶的吸引境外的客戶呢我們透過OBU的概念它暫時還是在境外但是是由國人的團隊來管理我想這是一個我們第一步可以來做這件事情要擴大優勢嘛對不對對對對擴大我們優勢再來就是適時的導引回來投資我們台灣在全球具有競爭力的產業"},{"start":6994.369,"end":7019.37,"text":"我想比如說我們跟新加坡比新加坡當然是一個金融中心他強調是金流的轉動但是台灣除了這個可能沒有辦法完全跟他做一個競爭但是我們有很多產業投資的機會我們也是心裡就像我們現在的所以你剛剛提到是引資的部分那流財的部分像台積電宣布要赴美投資再投資一千億美金總共加總是一千六百五十億美金"},{"start":7020.191,"end":7042.442,"text":"那這一舉動引發了許多台灣這個如何有效留下財富還是你剛剛提到的引資的部分吸引更多外資回流的部分那台灣作為半導體的一個領頭羊那面臨的大量資金流向其他國家使得我們的資本市場的一個競爭力相對的受到挑戰那這樣子要怎麼樣去"},{"start":7043.542,"end":7062.622,"text":"去做一個應對是跟委員做個說明就是說其實剛才講的我們的引資或流財跟我們的產業在海外的投資這是兩個比較不是那麼完全一致的關係我們歷史說剛才講台灣很多的財富他本質現在很多是"},{"start":7063.263,"end":7083.675,"text":"逐年在過去累積流落在海外有海外的團隊在做管理我們是希望說這些能夠盡量的交由國內的團隊來管理甚至回來投資台灣那產業他為了他自己不管是追隨客戶或者說他產業的擴張他去做一個資本的投資我想這兩個事情不會有衝突的地方"},{"start":7084.963,"end":7106.114,"text":"其實我們很顯然我們現在要做引資但是我們看到我們台灣大型的產業陸續的出走未來還會有更多相關半導體高科技產業也一樣都會到美國這個市場那我想剛剛你在高雄設立這個金融專區這有一定的政策亮點但是"},{"start":7106.914,"end":7124.279,"text":"要真正的成功還需要更多的誘因政策嘛是對不對比如說國際稅庫條件商品發展還有金融創新要如何與新加坡香港等地區競爭那流財比引資更重要因為我們現在看不到我們現在引資的部分那個是期待性是未來性"},{"start":7124.859,"end":7141.415,"text":"但是我們看到的是我們大型的這些這些企業往美國出走那這部分是我們非常擔憂的尤其台積電開想了赴美投資的第一槍後續會有更多的高科技半導體都會相同的一樣都到美國去那"},{"start":7142.81,"end":7161.877,"text":"我想要更何況是引資企業往往都一定會選擇比在自身有一個良好的一個獲利環境他才會留下來所以我想就是說企業跟資金會陸續出走這是這一波我們也很明顯的看得到那今晚會如何看待"},{"start":7162.817,"end":7178.802,"text":"這些高科技產業赴美投資的景象那台灣如何進一步完善政策吸引並且留住這些高資產客戶的資金是 謝謝委員我想剛剛委員也提到其實我想台積電的魏董事長在很多場合也"},{"start":7179.742,"end":7203.524,"text":"也提過他這個東西不影響對台灣的投資我想這個這不是金管會主政我們剛剛跟委員提過就是我們希望能夠吸引國外的資金除了交由我們團隊來管理更希望他能夠回來投資台灣的產業我想這部分就是要平衡這樣的一個概念就是說很多的資金本來就在海外我想我們希望說能夠透過一些政策的放寬"},{"start":7204.625,"end":7221.466,"text":"也謝謝委員剛剛的這個提醒就是說這是我們高雄專區我們也盤點了一下總共單單銀行我們就是放寬了20項新業務那其他比如說保險、投信、投顧加起來也大概超過30幾項的新業務這就是希望說剛剛講那個誘因怎麼讓我們這些"},{"start":7224.389,"end":7241.242,"text":"這些資金能夠透過我們這個放寬能夠考慮回來台灣交給我們的團隊或甚至投資台灣我想這就是我們來努力的剛剛很多的困境我們都知道但是不能因為有這個困境我們就不做所以我們就希望說對盡量來做主委反正流財比引資更重要啦"},{"start":7241.642,"end":7258.29,"text":"都很重要,但是現在流財會更可惜如果你們把這些大型的企業主流在台灣,讓他們相機出走,那未來台灣會是什麼樣的景象?剛剛講說,他這個其實不是...當我不是產業專家,我想他們是因為整個海外的擴張"},{"start":7260.069,"end":7272.894,"text":"在稅制 資金流動還有金融創新方面要如何吸引這些高資產的客戶這部分金管費你要做一個非常仔細的調整金管費發布這個含義說"},{"start":7278.997,"end":7294.291,"text":"准許多重資金組合型這兩大類的基金可投資海外比特幣以該基金淨值5%為上限等於說一般投資人可透過這兩類的基金投資海外比特幣主委這部分簡單說明一下"},{"start":7295.952,"end":7323.513,"text":"這個其實我們在去年的時候呢就已經因為美國的ETF市場已經有有所謂的虛擬資產的ETF比特幣的ETF我們已經開放專業投資人去投資啦所以這部分我們現在還沒有開放一般人所以他必須透過這樣一個專業機構去做投資當然透過我們這行列的放寬一般人可以少量的透過這東西間接的去投資不過中間有經過專業機構的把關我想大概是我們現階段的政策大概是這樣"},{"start":7324.614,"end":7347.777,"text":"那我們上次也說我們會根據這個情況的這個執行的情形再來評估是否下一步我們是要再做持續觀察還是再做放寬這個風險控管一定要做好當然當然風險控管要做好雖然我們也樂見說不再沒守成規但是風險一定要控管好謝謝主委是謝謝謝謝委員"},{"start":7349.939,"end":7355.217,"text":"好 謝謝寬恆 那主席在這裡宣布我們先休息十分鐘"},{"start":7380.56,"end":7381.224,"text":"谢谢观看"},{"start":7432.108,"end":7446.408,"text":"響鐘"},{"start":7458.029,"end":7467.961,"text":"響鐘"},{"start":7520.133,"end":7522.875,"text":"這裏是大廈的大廈"},{"start":7555.196,"end":7560.879,"text":"響鐘"},{"start":7587.788,"end":7588.669,"text":"這間餐廳的餐廳是一間餐廳"},{"start":7624.056,"end":7624.616,"text":"謝謝收看,下次見!"},{"start":8042.554,"end":8053.151,"text":"好 現在開始開會齁那接著我們請那個鄭振全委員鄭振全 鄭振全鄭振全不在那接著請鍾嘉斌委員花言"},{"start":8067.012,"end":8095.418,"text":"主席 站場委員 先進 列席政府經貸首長 官員 會長 工作夥伴 媒體記者女士先生有請金管會彭主委財政部阮次長 央行的朱副總裁那最後面呢 會請法務部的劉市長準備好 彭主委還有阮次長那還有那個朱副總裁委員好好 來 先請教主委主委覺得今天天氣冷嗎"},{"start":8096.757,"end":8122.356,"text":"呃 還好 可以還好那我覺得今天的詢問你看有點冷清這個題目很重要我看大家寫得洋洋灑灑但是呢感覺上有人一頭熱有人幾頭冷不好意思我這樣說我今天的題目呢叫做國資撐國建本國的資金來撐起本國的基礎建設然後金融市場要國際化那亞灣先試點要導入外商"},{"start":8122.976,"end":8143.397,"text":"外 包括國外的專業者商 國外的商品但是要配套好 那我們來往下看一下今天這個題目呢我們的招委定的很大他就是說要促進台灣的金融市場規模發展要如何執行對不對那 主委 是不是說我們這個題目 隱含著台灣的金融市場規模要壯大"},{"start":8144.366,"end":8173.738,"text":"那當然 我們的金融市場要支撐經濟當然規模要持續的隨著經濟成長那這一點我看央行也很支持央行昨天的新聞就把他們報告人家寫了一篇台灣的超額儲蓄有壯大金融市場規模的效果那執行的策略我看這邊寫了一堆大概都是歐字頭的都是所謂的國際化的事務那為什麼主委認為透過我們的金融國際化可以壯大我們本國的這個金融市場規模"},{"start":8174.751,"end":8202.327,"text":"我想我們在整個這次主推的是資產管理那資產管理的概念就是說這個資產的所有權是我們的資金擁有者那怎麼樣透過一個專業的團隊幫他做最有效的配置跟所謂的資產的保全我想這次我們在做這當然會促進我們金融市場的發展比如他的徵聘人他的業績會增加營收會增加這些都是未來整個金融市場發展很重要的業務好 那終究我們要問一個事情啦"},{"start":8203.608,"end":8229.887,"text":"讓這些高資產者他把他的資產留在國內留資嘛先留資再引資嘛那撞到我們的金融市場然後呢有個目的嘛我們來看一下舉例啊那麼請三位這個政府看一下我舉豐電為例啦這個我就直接寫出來因為報紙的報導嘛就豐苗一期這是CIP哥本哈根他們這個虱目基金他CIP他所說的為什麼國際的虱目基金要來投資台灣的豐電市場"},{"start":8232.159,"end":8258.475,"text":"為什麼獲利可期嘛好賺他會再來嘛還在台灣做綠色轉型當然那是我們的目的但是對他來講呢像這種虱目基金他的投報率要高所以顯然的在台灣開闢封廠離岸封廠是投資報的投率很高的地方如果成功是成功的話那當然高風險高獲利高獲利一定有高風險不見得會成功一旦成功了他再把這個封廠經營權轉給其他的這個合計資金然後呢"},{"start":8262.457,"end":8286.276,"text":"這個時候呢他就可以從可能的接手的是我們是我們台灣的保險業者是不是這樣是好那我想請問一下你認為既然這個錢可以賺他們說他們這一期呢募得了CI第五期募得了130億美金你認為他從國際上募的資金有沒有台灣的資金去的台灣的高資產各位去買的"},{"start":8287.537,"end":8306.352,"text":"我想這部分我沒有證據你推論推論我覺得應該以台灣在全球的資金量應該是有參與的可能有參與的可能我問過了沒有為什麼沒有我不清楚但是CIP說他們在第三期第四期台灣的資金參與的還不錯但這成一個問題了"},{"start":8309.645,"end":8339.065,"text":"CIP他是一個國際的虱目基金他來台灣拿國際資金可以獲得高獲利再分潤給他的一個投資者但是台灣的投資者台灣自己本國的高資產者呢他卻要去參與他的第三期第四期結果他回過來是投資我們台灣重要的工建而這個工建還保證他一定可觀的獲利不是保證啦 很可能啦你覺得這是什麼原因我們來看一下就是今天的再往下 像米其林"},{"start":8340.245,"end":8359.237,"text":"今天我們說為什麼要推動雅灣台灣的有錢人去哪裡吃米其林在全球各地所以這些米其林的大廚吸引全世界各地的老饕美食家有錢人去他那邊吃"},{"start":8360.319,"end":8388.721,"text":"那現在如果我們引進一個米其林的大廚來到台灣他有可能就是把我們國內要去國際吃的這些美食家有錢人就不用出國啦就國內可以吃啦是不是這樣子那初期經營要先找國外的大廚來嘛或許未來可以培養我們國內的米其林天廚是不是這樣這是一個方法而且這個米其林天廚如果培養出來了會吸引國際的有錢人老饕來到台灣吃"},{"start":8389.909,"end":8410.909,"text":"那這樣的比喻,那對台灣來講,多幾家本土的米其林天廚跟米其林餐廳有什麼好處?除了滿足其他國家的有錢人之外,我們得到什麼?當然這個除了我們當本地客戶可以就地得到國際級的服務以外,那另外也會吸引到國際的人來這邊接受服務。"},{"start":8412.059,"end":8437.846,"text":"重點是他是用本國的食材啦我覺得他可以大量採用本國的食材所以我們現在往上看往回跳這是日本的方式嘛所以我們今天我們要做亞灣我們心中的目標初期台灣沒有米其林餐廳沒有米其林天廚我們開一家餐廳請外國的天廚來他帶來外國的食材帶來外國的料理帶來外國的菜單但是呢可能是外國的"},{"start":8438.294,"end":8456.822,"text":"的饕客來吃但是呢可以造福本國的饕客但終究我們希望未來台灣多幾家米其林餐廳多以本國的天廚使用本國的食材這是我們的目的嘛是的好那現在呢我們的市長我們的副總裁我來看一下"},{"start":8458.33,"end":8470.452,"text":"這裡面請問財政部你認為在推動這個事項上台灣作為亞洲資產管理中心台灣要設一個亞灣的試點財政部幫忙了什麼事情"},{"start":8472.369,"end":8497.683,"text":"你們幫了什麼事情我們第一個就是要就是基本上我們有兩大部分啦那你直接講你們覺得你們做了什麼事今晚會覺得你們幫上嗎第一個可以增加這個公共建設相關的金融商品嘛我們是鼓勵會發行這個永續債你們這裡面大概在第三頁啦才第二大段一點點來 彭主委你認為跨部會協助財政部協助你什麼"},{"start":8499.385,"end":8522.438,"text":"財政部在我們協助OIU租稅優惠延伸協助OSU延伸都沒什麼然後呢鼓勵公股銀行財政部鼓勵公股銀行進入專區這個都很基本的嘛然後呢提供TESA的租稅建議有嗎其實在我們一開始接觸的時候你們拜託財政部提供的TESA的租稅優惠財政部有幫忙什麼嗎"},{"start":8523.338,"end":8539.164,"text":"財政部在一開始給我們很多的資訊跟一些的思考我覺得非常感謝第一個就是比如說上次我們在前一次說明的一個就是主委你講得很客氣我問過財政部趁你不在的時候他說他們提供的這個租車優惠很夠用的不過用不完我請他們回去盤點"},{"start":8540.66,"end":8561.607,"text":"到現在呢還不曉得但是倒是有一個我很好奇的您說財政部有協助你們與本會及櫃買中心建立三方聯繫機制協助各級政府辦理發債有嗎現在有地方政府透過你們的協助開始發債了嗎這是我們在造園投資計畫裡面我們以內公債有嗎今年還是創新低欸"},{"start":8564.319,"end":8583.309,"text":"我們還是有各個地方政府發永續債還是有來財政部你們有幫忙嗎幫忙地方政府發債了嗎目前地方政府已經發了永續債已經發了157億那我們會持續來鼓勵他們以類公債是不是有史以來最低的以類公債的更多以類公債目前我統治的結果是三年來最低的"},{"start":8584.065,"end":8607.895,"text":"但是到目前為止已經發行了大概1474億這個這一部分是我一列公債所以永續債這一部分那我們現在已經就要求地方政府能夠如果符合我們希望未來這個雅資中心引進來國際的資金是來購買我們本地的尤其地方政府可以保障它的基層建設地方建設公共建設基礎建設包裝成商品來出賣給他們對不對所以我們才說"},{"start":8617.387,"end":8622.878,"text":"央行協助今晚會在推動雅灣或者是說雅致中心做了哪些事情你們寫了很多"},{"start":8627.564,"end":8642.538,"text":"我們請大家看到,換到我們的夜市,但是你看完了對不對,你有沒有看財政部怎麼寫,財政部只有第二大項,中央營養協助四項,一二三,"},{"start":8643.65,"end":8669.253,"text":"第二點OIU商品多元化OIU新設計還有第三點把你們的結會金額個人從500提高到1000公司有5000萬提高到1億你們做那麼多你們寫那麼多財政部今晚會認為說你們就幫幫他這些事情而已我們央行寫的比較總體就是用分類那財政部講的都在我們這些裡面好我今天坦白說我看了三個部位的報告"},{"start":8669.753,"end":8673.357,"text":"開放家族辦公室的業務這是誰開放的這是我們先開放我們可以做諮詢服務業務目前用什麼方式可以達到家業或財務傳承"},{"start":8692.008,"end":8717.855,"text":"他現在當然我們現在幾個工具啦一個比如信託還有就是說我們現在的做一個財富管理的部分本來就有幫忙你剛講到關鍵字信託這是我們舉一個例子我們把他的名字引航起來這是一個家族企業要財富傳承的目的大概是這個架構那怎麼樣確保家族成員出售股權造成家族企業的資本這個股權外流而將家族財產信託會遇到什麼問題"},{"start":8719.379,"end":8743.694,"text":"當然就是現在比如說我們現在的信託架構當然跟相較於比如說其他國家我們有看比如說他們的信託的那個期間可以很長比如說有些沒有期限有些100年那台灣的架構呢是這樣不過我們有跟法務部在做協調法務部也有提出一些想法來我們看一下這是我們法務部司長"},{"start":8745.459,"end":8768.304,"text":"這是一個國售的李長庚先生他說台灣的信託法是一大障礙很多有些人不能愛台灣只有進入戶口名簿的名字才能收益人以至於家族傳承的資金都跑到海外去做採管為什麼?市長現在台灣的信託法第三代上位出生的或者說還沒有結婚的可以成為信託的收益人嗎?未來"},{"start":8769.566,"end":8782.057,"text":"現在委員的詢問因為這涉及到我們信託法現行的法制能不能符合未來財政部金管會的相關的需求那整個設計上因為這個議題涉及到所謂的"},{"start":8785.62,"end":8798.669,"text":"目的信託 目的失業 目的信託的問題目的信託對 涉及到目的信託那因為目的信託現在在信託法的解釋上有不同的見解有人認為信託法可以規範已經有規範目的信託有些認為沒有規範"},{"start":8802.432,"end":8831.196,"text":"到底現在這個問題能解決嗎那因為目的信託它最主要是沒有受益人目的信託最主要是因為沒有受益人那它相關的制度呢它需要的相關的制度跟現行的信託法還沒有辦法完全的吻合所以法務部目前正在研修信託法那我們目前優先研議的是公益信託接下來就會繼續研議金管會所提到的目的信託好來 彭主席最後一句主席站起來了"},{"start":8831.676,"end":8856.471,"text":"聽到沒有 您聽到了他們優先研議公益信託你們希望的第二步在做所以是不是 主委要怎麼樣請法務部可以積極的來協助你們如果真的要做高資產客戶包括這些家族辦公室包括做財富傳承在國內 國外的法制它沒有問題國內有問題國內遇到這個問題怎麼解決 多久可以解決可以跟法務部一起共同研究來處理嗎"},{"start":8857.623,"end":8879.069,"text":"當然我想除了剛才修信託法是一個解決方法以外其實我們也還可以研議其他的方式來怎麼樣去解決不用修法就可以解決嗎我們正在研究我現在不敢說這是一個肯定的不過我們先因為修法畢竟是一個比較久不確定性比較高假設有其他方式比如說我們還有主管的信託業法"},{"start":8879.989,"end":8906.947,"text":"那這部分如果說有這個空間的話我們一起來努力反正老問題 新方法我們來試試看等等 等一會主席再講信託業法跟信託法是不一樣的一個是規範信託業者一個是規範信託的本質剛才說目的信託因為目的信託的受益人這個部分的問題造成台灣跟其他國家國家做財富傳承的時候他們不會有這個問題那台灣我們就會遇到這個司法性的問題所以多久可以跟法務部共同來 請法務部"},{"start":8908.756,"end":8930.966,"text":"協助或你們共同怎麼樣把這個問題做解決嗎因為這是行政院的政策我希望法務部你私下再跟嘉賓委員做報告那主委呢我們當然希望法務部盡快的來協助我們啦謝謝我希望下次在談這個議題各部位的報告最好能夠對準不要說央行說你們做了一堆"},{"start":8932.006,"end":8947.319,"text":"金管會看到只有三段財政部做的事情跟金管會期待的好像有點落差在這幾年之後我們希望再請召委繼續排定這個議題我們共同來推動好不好好謝謝謝謝嘉賓委員接著請羅明塞委員質詢"},{"start":8956.243,"end":8969.38,"text":"朱熹各位委員、朱烈熹官員大家好朱熹可不可以請今晚會彭朱偉財政部阮次長、央行的朱副總裁"},{"start":8974.076,"end":8986.857,"text":"主委好委員好你要力推台灣成亞洲的資產管理中心利益良善我們也看到你從上個會期到現在"},{"start":8988.956,"end":9016.785,"text":"很努力在做可是因為周邊單位啊步伐不一致造成啊成效不彰你們在跟財政部大概就是稅的部分以及央行的部分你們有沒有成為一個一個team財經的team然後可以真的來支持你成為亞洲的"},{"start":9019.188,"end":9037.982,"text":"資產管理中心財政部因為主推的是金管會財政部準備好了嗎我們基本上協助金管會來推動亞洲資產管理中心會全力支持還是做一半我們當然全力支持現在修OIU條例我們就同意謝謝 央行請問央行也準備好了嗎"},{"start":9046.415,"end":9063.526,"text":"我們現在有兩個部分有一部分就是在報告中寫的 已經做的還有一部分是因為要配合金管會這邊有實習我們在那裡擰動所以在我們報告中有四個部分第四點 雅灣專區這邊副總裁這樣 你準備好了沒啊"},{"start":9067.128,"end":9088.835,"text":"是準備在修正,我們外匯局有個team因為我看到主委他很積極,畢竟剛剛上任以彭主委他是點子王,以及他看起來比較年輕比較有很高的理想,想要做點事"},{"start":9090.083,"end":9108.008,"text":"可是,像即便匯20萬回來,你央行也查三次四次啊,台幣喔那你每次都是,當然啦,你們都說是要查一些這個什麼洗錢啊等等的齁,那請問央行"},{"start":9109.181,"end":9135.022,"text":"已經洗了這個三年多了,說要找這個洗錢的,國際的什麼洗錢請問央行啊,你們這幾年有發現哪一筆是洗錢的,比較大筆的,有沒有我想這個應該不是央行業的對不對,有沒有啦我問一下,因為這個是外匯局啊,外匯局你們管的,沒關係你是副總裁可能剛來還不大清楚,來外匯局"},{"start":9137.639,"end":9159.097,"text":"因為你要成為亞洲的資產管理中心勢必需要一個很自由進出的金融中心當然你的管控是在你的核心那應該是要利益良善"},{"start":9160.051,"end":9181.606,"text":"就是鼓勵為普遍那有問題你再特例抓出來好我們再回歸到這個問題央行這去年啊去年一整年你們查獲的洗錢有幾例金額是多少我想洗錢不是我們央行這邊去去查或怎麼樣那他銀行之間會去通報那個洗錢的主管機關算是就"},{"start":9181.886,"end":9209.399,"text":"所以我們央行的立場來講最主要還是為了假設不是扣除洗錢方面的我們的那五十萬一百萬相關的一些目前的規範大概都是最主要還是為了編制我們的國際收支所需來做這樣的一個銀行端會報給我們大概都是為了方便我們做比較準確的國際收支的一個編制所以去年一整年所謂的洗錢防治真正查到國際洗錢的有幾筆"},{"start":9210.98,"end":9229.322,"text":"總金額有多少這跟委員報告我們回去check一下就是我們目前應該是我了解是應該沒有這樣的一個每次回答都check一下你不是要說亞洲資產管理中心嗎所以當主委在往前衝的時候你們都在後面扯後腿"},{"start":9230.697,"end":9246.107,"text":"所以你造成現在的情況是普遍的台商在講你五十萬八十萬明明人家學他的兒子小孩就在英國念書會錢過去會是會到學校你一次要問三次要問四次"},{"start":9247.857,"end":9261.233,"text":"主委如果存在的情況是這麼嚴苛請問你要做的亞洲資產管理中心有哪一個人的錢願意回來台灣當然我們現在"},{"start":9265.12,"end":9294.059,"text":"其實從金額來看我們確實在推動這個過程當中已經在逐步顯現成效也跟剛剛委員稍微這個說明一下其實我們各個部會在過去我們非常非常密集的溝通那沒有委員講說他們就扯後腿那主委你記得說因為各個部會有他自己非常專業的考量我們都尊重但是我們持續的希望他給我們一些協助也有若干的時間了"},{"start":9295.66,"end":9323.051,"text":"大概還沒超過30年其實我們一般的公務人員大家都很認真唯一要突破的一個破口就是你把三個單位因為你每次我發現你要推都是A推B B推C答案永遠說我要再查查看我再去了解一下有幾個案例那洗錢總共有多少錢每次都有不斷的科目會出現"},{"start":9324.468,"end":9352.782,"text":"那造成你的推動力道明顯的打折我建議一個可以解決你的方法這個方法是累積多年的經驗如果你這個方法做起來做不成那你來找我我請你吃一碗牛肉麵你要不要試試看這個方法呢說難也不難你就把三個單位"},{"start":9354.488,"end":9374.734,"text":"重要的單位重要的人可以決定的人你全部叫過來從現在現在是早上現在11點嘛你就說我們為了推動台灣成為亞洲的資產管理中心大家心裡都沒有障礙就從現在11點現在11點開始開會開到中午肚子餓了叫便當"},{"start":9382.885,"end":9400.817,"text":"還沒有結論沒有關係到了晚上給他們選擇繼續吃便當你總要給他選擇啊吃這個排骨飯或是雞腿飯或是什麼飯通通可以你要讓他們有選擇晚上開完還沒有結論繼續開吃宵夜所以你要有這個精神才有辦法突破"},{"start":9409.912,"end":9416.118,"text":"不然我看半年以來所謂的OBU OIU OSU特別OIU的部分有沒有成果"},{"start":9418.686,"end":9445.421,"text":"OIU的部分剛剛有說明過去年基期很低今年我們有開放新商品跟新的做法我應該很有信心應該一定會有一些成果今天是幾月了今天是3月31號好了這個截至3月底之前OIU做了幾件金額是多少去年我們有個金額我們請局長待會馬上補充過來局長馬上說去年沒有嘛今年呢 今年做了多少"},{"start":9446.477,"end":9464.926,"text":"注意聽喔 這個很重要是 報告委員 今年的到一月份的那個有效契約件數不好意思 有效契約件數總共有672件那保費收入100多件 總金額多少到今年一月底的總金額有1600億左右1000多對 1600億 保費收入1000多億是不是抱歉 1000多萬"},{"start":9474.932,"end":9482.785,"text":"哇 我看一張 我以為是不是一千多億所以一百多件 總共是多少大聲一點 勇敢說出來"},{"start":9484.598,"end":9501.494,"text":"到今年一月份為止是一千六百萬哇 一千多萬我們龐大的團隊我想所有東西都一定要不要講OSU 來講一下有幾件OSU 我們來給委員這個數字"},{"start":9507.355,"end":9534.987,"text":"那我們是不是OBU要準備一下好OBU不用啦因為OBU大家都很熟OSU的部分總共幾件那總金額多少一千七百多萬多少一千多一千多億一千七百一千七百二十五億美元一千多億是不是對一千多億一千多億美元喔每一千七百"},{"start":9536.482,"end":9549.272,"text":"交易量對,就1700多億美元多億?有那麼多?有啊,OSUC有那麼多那它那個內容是什麼?為什麼這個金額會?是因為都是外資嗎?外資的進出還是?"},{"start":9558.305,"end":9569.79,"text":"主要是智盈的部分智盈的買賣所產生的智盈 買台股嗎買台股OK那我們發現買台股的部分今天那個股市暴跌"},{"start":9571.505,"end":9600.765,"text":"所以我剛講那個數字你再參考看看其實那個金額也不多啦因為買賣買賣像台灣的平均量那個成交量就大概五千多億了嘛所以你這個加一加其實跟你的目標還相距非常遠總之我希望你們這個三個單位要合作那當然我們會持續加強合作然後努力的達成協議做出成績"},{"start":9603.15,"end":9605.236,"text":"請問一下主委今天股市為什麼會暴跌"},{"start":9605.816,"end":9633.804,"text":"今天我想因為很多原因啦當我說今天早上從我們我們前一天我們的期貨那個收盤美國大概也我們相關聯動比較高的指數呢也做了蠻大的修正啦所以我們台灣是反映這個國際股市大概這樣一個情形所以台股會不會再跌這我不是分析師我無法做對未來做預測如果台股再暴跌的話國安基金會不會進場"},{"start":9640.09,"end":9660.86,"text":"我想這一次這個股市不是只有台灣的股市是全球股市所以現在還不會進場美國關稅政策的影響所以現在充滿了不確定性關稅政策的影響我上次在這邊質詢的時候所有的官員說影響不大結果影響不大台積電已經破一千塊了一直"},{"start":9662.794,"end":9689.477,"text":"執罪式的下滑股市最怕的就是不確定性跟預期心理所以像這種到目前因為他是講說4月2號他要宣布他的政策所以現在大家都在觀望所以台股如果再跌一千點破兩萬以後國安基金會不會進場這個我們到時候會評估啦到時候會如果有必要的話會召開這個相關委員會議所以可能會進場也可能不會進場"},{"start":9690.918,"end":9698.665,"text":"會討論這個事情會討論這個事國安基金會討論這個事可是國安基金的規模只有五千億啊主委你希望多少億的規模才會夠彭主委這個金管會沒辦法去對這個做評論因為這個畢竟我們對資本市場我們是一個資本市場的監理現在是五千億吧那個要由主政單位來決定那你覺得夠不夠"},{"start":9719.616,"end":9736.537,"text":"因為九年前規模只有七兆多現在市值的規道已經超過了幾億幾兆七十兆左右吧我來說明一下可以嗎因為我們國安基金成立的時候是民國八十九年那時候的市值大概是七兆多"},{"start":9737.538,"end":9758.111,"text":"大概八九兆那到最近大概七十幾兆最近有點修正那個超過八九倍啦超過九倍多市長我想就是說你可能會後找個時間到羅明財委員的辦公室不好意思超過時間謝謝謝謝委員謝謝那接續我們請李坤城委員質詢"},{"start":9775.322,"end":9781.785,"text":"謝謝主席那我們請這個彭主委還有財政部阮次長還有阮次長委員好主委好這個"},{"start":9788.177,"end":9810.945,"text":"昨天 根據報宅 昨天晚上賴總統在官邸有召開一個因應這一個美國的關稅戰有在官邸召開會議 那這個主委有參加嗎報告委員沒有所以這件事情跟你比較沒有關係跟你沒有關係喔跟我們有關係 但是我沒有參與這個會議跟你應該有關係 但是你沒有參與這個會議那財政部有參加嗎"},{"start":9814.555,"end":9829.647,"text":"我自己本人沒有參加 但是可能莊部長他有參加那你知道這個大概昨天因為總統顯見對這件事情很關心嘛才會特別召開一個會議那關於財政部這方面的話總統有特別提到什麼嗎"},{"start":9832.249,"end":9840.958,"text":"因為我來這邊質詢,部長沒有跟我提這個事情但是就我了解,就我們財政部來講,我們會盤點各相關產品的關稅的稅率因為美國有對等關稅的問題,所以我們會盤點"},{"start":9847.524,"end":9867.354,"text":"第二個我們應該會就相關的可能因應措施進行討論因為就在這禮拜啦如果按照報宅是4月2號那我就請教一下這個主委好了那請問一下這個台股那今天跌了700多點那從這個3月底的大概23000點到現在跌了將近3000點那您認為說這個跟這個關稅即將要課徵這個對等關稅有沒有相關的關係"},{"start":9873.837,"end":9891.088,"text":"我想從今年年初以來其實國際上特別是美國的政策有很多的這個不確定性的出現關稅是其中一個我想今天對台灣的股市這當然是一個影響因子因為它就直接影響到國際的股市了應該是一個"},{"start":9892.249,"end":9911.445,"text":"因為已經跌了快3000點那我要請教一下市長這國安基金跟財政部有相關嘛對不對是那這個有沒有提到說這個國安基金如果在因為這一個關稅假如說啦不曉得有沒有在這個沙盤推論裡面如果台灣被列入這一個骯髒十五國的話有沒有提到就是說那國安基金是否有可能會進場"},{"start":9913.561,"end":9942.06,"text":"這個還要看還要觀察因為到目前都還是還沒確定因為美國他有宣布說4月2號才會對外公布所以目前都還是不確定那確定以後到底對台灣影響怎麼樣我們會盤點那麼對股市影響怎麼樣我們也會去充分的去了解然後到時候必要的話我們會召開就這個您的觀點來講的話對於台灣來講是正面影響比較大還是負面影響比較大"},{"start":9942.901,"end":9946.45,"text":"是哪一部分的 關稅的部分就關稅這部分目前看起來這個"},{"start":9947.884,"end":9973.252,"text":"就看美國政策 因為這個部分我們真的沒辦法掌握了那總是有沙盤推演嗎 正面的跟負面的啊對 當然一定會有嘛一定會有所以我問你說負面比較多還是正面比較多啊這個我不方便 因為這個我不是主管機關我不方便在這邊說但是就我個人來講我是覺得就是說在台積電答應到美國做大額的投資之後那麼未來"},{"start":9974.412,"end":9992.738,"text":"未來在這個被加徵就是電子產品被加徵關稅的這個機會應該相對來講比較低一點這樣子好那再請下一下彭主委那對於這個我們這個上市櫃公司有沒有受到影響我們有做過盤點跟調查像比如有關關稅議題我們有請我們的兩個交易所"},{"start":9995.619,"end":10023.82,"text":"針對我們的上市櫃公司我想上次幾天前的質詢也有說過當然有少數的公司確實會在受到關稅的影響比較大他們也做過一些問卷的調查但是如果整體來看的話就不考慮消息面的心理的影響的話會影響的幅度確實是沒有我們想像那麼大這是我們透過交易所了解上市櫃公司的狀況你有沒有想到說大概有多少公司有可能會受到關稅的影響"},{"start":10024.941,"end":10040.611,"text":"上次有說明嘛或是我們可以請我們交易所這邊來跟委員那還是請這個 那時間先暫停一下是不是請林董事長這邊來做個說明好 說明 董事長林董事長是那個 李總經理 來"},{"start":10046.049,"end":10047.27,"text":"總經理要做個說明經濟部那30項的台灣出口區的大概2.多%"},{"start":10061.131,"end":10089.435,"text":"2點多可不可以再請董事長再講詳細一點這個我不太懂還是總經理要來好我說明一下就是經濟部我們有統計就是從台灣出口列為那30項輸美的佔的比重佔全體上市公司的營收是2點多那所以您的這邊是認為說影響還不是很大就對了是不是這個是從台灣出口的部分那進來的部分咧"},{"start":10091.451,"end":10119.165,"text":"進來的話我們並沒有統計我們是統計上市公司就是經濟部列的那30項出口的部分佔整體上市公司那大概有幾家公司啊這個部分的話我們會後再報告我們是統計比重OK好那請回那這個回到我們這個亞洲市場管理公司來請回這個有一項統計就是說各國所管理的資產佔GDP的比重台灣只佔4成然後跟日本"},{"start":10119.925,"end":10139.583,"text":"香港這個比起來很多日本差很多日本是有占110%香港占比是1066%新加坡也是打815%落差很大那所以說就這個諸位來講這個亞洲資產管理中心如果要成功的話應該就是要把這個管理資產占比要把它提高嘛"},{"start":10140.344,"end":10156.605,"text":"對 因為那個GDP我們也比較大所以當然我們的背景沒有啦 這個跟日本比起來那當然 我跟你說 假設我們相較比如說剛剛委員有提到 比如香港 新加坡他那個比較高因為他本來管理規模就大了他的分母又比我們小 那當然就很不算他日本咧"},{"start":10157.594,"end":10176.325,"text":"日本他本來也是一個非常非常大的經濟體那日本也在推這個還有就是說有關這個所謂的資產管理規模的計算其實上各國還是有點的差異不過我們看得出來台灣確實是比較低這是我們努力為什麼要好好來所以這就是你們要努力的地方"},{"start":10177.446,"end":10205.928,"text":"那我就這個外部資產管理公司這部分來請教一下主委就是說你們有一些法規上面的一些鬆綁然後但是也有一些外部資產管理公司他們認為說鬆綁的規模可能還不夠大那譬如說這個有關這個國外的私募資金的部分現在是有限制說一家只能跟台灣的一家的銀行來合作那沒辦法跟超過一家以上的銀行來做合作"},{"start":10206.816,"end":10233.184,"text":"對 我們過去確實有這樣 不過我們現在逐步在放寬中那你們的方向是怎麼樣啊因為現在比如說這些外部資產管理公司要來台灣 他們只能找一家來合作嘛那如果說是在我們這個特區裡面的話他是可以除了跟一家之外合作嗎 還是怎麼樣委員提到的是一個外國資產管理公司還是一個外部資產管理公司這兩個是不一樣的內容外部資產管理公司"},{"start":10234.325,"end":10262.341,"text":"對 我們講的是外國資產管理公司就是說外國資產管理業是比如說國外的資產管理在台灣設的這些子公司分公司嘛特別子公司那另外一個就是我們外部資產管理公司這是我們新開放的它是提供一個顧問業務這部分 其他這是新的但是我們對於就比如國外的這些資產管理業在這邊的一些的這個規範呢我們已經有請期局這邊逐步的再去做一些調整啦對好 那請問一下"},{"start":10263.402,"end":10290.054,"text":"就是說目前你們對這個投資有沒有一個最低的門檻我們現在的話就是因為我們現在國內的執照比較特別我們大概就兩個法定的執照一個就是投信一個叫投顧投顧裡面它有一些的業務範圍它是名列在投信投顧法裡面的但是我們其他還有一些其他金屬管局同意的業務範圍我們可以在這時候做一些適當的放寬"},{"start":10291.094,"end":10318.188,"text":"因為我們國內沒有一個叫資產管理業的執照沒有像比如說國外有九號牌啦或是類似像這樣專門做資產管理業因為我們過去大概都是以有價證券作為一個前提那其實在做資產管理的時候它不限於有價證券相關它可能還有其他比如說不動產或是其他的資產所以我們這次呢在外部這個資產管理這個業裡面呢我們有做這樣的一個在事辦區裡面我們做一個這樣的放寬"},{"start":10318.928,"end":10331.256,"text":"那我是說有沒有就是說一個門檻比如說要比如說一百萬還是三百萬美金就按照我們現在投信跟投顧特別是比如他那一個門檻只看你做的業務而已有點差異這樣那總是有一個素質出來啊你這樣講我還蠻"},{"start":10338.581,"end":10357.283,"text":"還蠻rough的我也不太知道說那你大概就是1億元1億元對我們現在的門檻就是你如果做高展客戶大概就是剛剛同學跟我講的是1億元1億元是300萬美金差不多300萬美金那有沒有調降的可能性就是說讓那個門檻低一點然後能夠讓更多的人進來"},{"start":10358.524,"end":10380.822,"text":"這個部分我們現在是既有的這個規範當然未來我們會看實際上運作的情形我們再來做那還是說這個大概300萬美金就是只能固定在一家還是說你不是好幾家合起來可以300萬美金這樣子這部分跟合作銀行之間的那個內容這個可不可以請那個我們局長來跟委員做簡單的說明一下謝謝"},{"start":10385.133,"end":10394.267,"text":"我們一般來講看他公司的規模如果需要整合的話我們再來看他有沒有需求因為你們有一個最低我是說那300萬美金就是1億台幣是說我只能在這一家"},{"start":10399.383,"end":10424.397,"text":"那還是說呢 我可以好幾家合起來 三百萬就可以了只單純一家來看啊那我意思是說有沒有可能放寬啊但看將來的需求如何情況 我們再來看我是說在市辦區的話 理論上是可以放寬啦因為它只要合起來有三百萬美金的話那其實是可以吸引更多的外資來到這邊啦"},{"start":10425.976,"end":10441.492,"text":"那你如果說單就一家就只有這個三百萬美金的話那等於是說他如果要來投資的話就必須說他可能要有更高的這個金額才有辦法過來啦那吸引的加速可能會比較少啦我的意思是這樣子啦所以我才說這個專區有沒有去做一個調整"},{"start":10444.017,"end":10456.141,"text":"專區的規定我們就是隨時滾動調整因為這畢竟是一個大的實驗示範辦法所以這部分我們按照實際的申請的情況我們在未來會來做一些滾動式的調整我是覺得說盡量調這個放寬的這個方向來走好不好"},{"start":10460.522,"end":10487.581,"text":"當然從我們整個政策的架構我們會來思考市場的需求就是這部分我們會未來隨時滾動的去思考這應該要做什麼微調因為很多東西也是我們在事辦區第一次做這件事情這為什麼要透過事辦的原因也在這裡我們想說透過小範圍風險可控的情況之下我們先來觀察這樣的開放對市場的影響那我們再來決定下一步應該是做全面的開放還是做一些微調"},{"start":10488.943,"end":10493.226,"text":"好 謝謝謝謝坤城 接著請李燕秀委員質詢慢慢來 喝完水再下來好 我請主委還有國發會的處長好 請主委跟國發會處長邱處長好"},{"start":10519.53,"end":10532.606,"text":"主委好 邱处长好我想先就我们金融并购的问题来跟主委做讨论去年七月份的时候我也关注到我们整体台湾的金融业的规模"},{"start":10533.567,"end":10552.121,"text":"到底夠不夠大在國際上跟國際型的金控公司相比事實上我們目前在全球的總資產在金控的部分想要排前50名恐怕都有點困難即便是我們台灣目前的國泰金跟富邦金合併才勉強達到我們的最低門檻22.5兆元就是說我們台灣雖然銀行數夠多但是過於零散"},{"start":10561.408,"end":10577.84,"text":"那在國際性的大型銀行的部分其實我們這一部分也還沒有辦法達到國際一定的水準所以也就是說我們現在台灣整體的金融業是面臨巨大的挑戰所以我們看到20年前我們欣展銀行在哪裡我們都還看不到"},{"start":10578.28,"end":10599.836,"text":"所以我上次才跟您提到說我們如何把世界背所以您上次也跟我回應說我們透過優質的併購也是一個方向還有什麼其他的方式那我們現在我們金融產業我們過去一二十年我們人才都投資到台積電高科技產業去還有一些傳統產業那我們現在金融產業佔GDP"},{"start":10605.72,"end":10624.949,"text":"GDP的比例大概只有維持6%左右我們現在要推亞洲的經營中心資產管理中心到底我們GDP在金融行業占台灣的GDP到底多少你認為才是一個合理的比例是 謝謝委員我想剛剛提到有兩個問題一個就是說"},{"start":10627.21,"end":10653.525,"text":"整併是不是未來我們金融業發展的方向特別是我們面對國際競爭的時候我想這個絕對是一個方向之一那對不起主委我接著問你你上次也提過我也同意因為過於零散怎麼樣更競爭力達到國際的一定的水準跟標準那到底以台灣目前這麼多家多少的數字整併成多少的數字五家七家怎麼樣的一個數字才是合理的"},{"start":10654.185,"end":10674.302,"text":"其實跟委員報告我研究這個議題超過20年我覺得不可以陷入在數字的迷思因為數字本身會跟相對的不同市場的結構有不同我是覺得應該是這樣數字本身它比如說今天14家15家10幾家這其實重點不在這邊那達到多少的就是說"},{"start":10675.043,"end":10701.216,"text":"重點是說診病之後達到多少的規模才是你認為是優質的一個合併的方式所謂的優質的診病就是說雙方有共同的目標這個我知道因為我今天很多議題要請問主委診病的結果是雙方所有共識而且是朝向一個共同目標那當然就是說規模這件事情要看你要在什麼地方你的主要鎖定你的策略群組的競爭對手是誰"},{"start":10703.177,"end":10719.438,"text":"那這部分假設我今天要打亞洲杯或是打比如本土杯或是當你要進軍到全世界我們現在要打的是世界杯沒有我覺得世界杯就是一樣我們必須很務實就像我們台灣現在很多的金融特別我們金控公司在亞洲已經開始有它的能見度"},{"start":10720.319,"end":10734.366,"text":"但是又說但是我們要先打亞洲杯再打世界杯嗎那如何打到亞洲杯所以你剛剛講了幾個條件我都很清楚優質的合併啦在內部的溝通這個都是基本的ABC這是標準流程我都很清楚"},{"start":10736.347,"end":10760.904,"text":"當然整併是一個方向那到底這個金融的產業佔我們GDP的多少你認為才是一個合理的數字我想其實就從整個國際上數字沒有一個所謂的因為這個牽涉到你的分母跟分子的問題當然但是要達到你的目標你覺得多少是一個合理的數字當然我覺得說以台灣的金融業最近幾年的這個重要性我當然希望這個比例能夠提升提升到多少 你的目標是多少"},{"start":10761.585,"end":10774.603,"text":"因為你過去是教授你一定有這一方面去教導學生那你現在再回到今晚會主委這個位置你總是有一個目標跟想法嘛你不會沒有設定目標嘛你很清楚你現在主委不肯回應我"},{"start":10776.425,"end":10796.237,"text":"不會回應因為我沒有根據的事情我不會隨便的那目標在哪裡或者是說多少年可以達到你有沒有目標就是說多久之內可以達到那這個數字大概是多少你覺得我們要發展金融管理中心它才是一個有競爭力的管理中心或者一樣又跑到其他國家去我們變成是口號而已啊"},{"start":10799.159,"end":10813.568,"text":"我覺得啦 因為這是一個分子分母之間的關係至少我們的金融業的成長不應該落後於我們的GDP的成長分母這是絕對應該是這樣的但比如我們比較其他國家很多這個比例來看的話它的產業結構不同啊"},{"start":10815.517,"end":10838.187,"text":"他比如說有些國家專注於在金融服務業那他的分子當然特別的大但他整個GDP他就占一個最大塊那你用這個來比我覺得是很難假設是一個產業非常非常大的那個國家來比的話那不見得這個比率的上升下跌說不定是我金融業產生但我GDP縮水了那這樣也有這樣的結果但是我覺得應該是金融業應該經濟同步成長就是說我們能至少"},{"start":10838.507,"end":10856.129,"text":"那以現在台灣的經濟成長你覺得以今年好了以今年台灣經濟成長或過去三年經濟成長你認為應該佔比多少才是一個讓我們台灣的金融行業是一個有足夠競爭力在亞洲我先不講世界先講亞洲好了"},{"start":10857.017,"end":10872.106,"text":"如果說假定我們的分母是不動的話當然我們的金融業持續成長那個比例就會上升但是我覺得這不太可能這個其實我跟委員報告不是說沒辦法跟你報告這個數字確實這很難用這樣的衡量因為我的分母也會大我的分子也會大"},{"start":10873.507,"end":10901.127,"text":"對沒關係你有很多衡量的指標跟數字但是我還是希望不管分母是什麼數字是什麼有多少的係數跟風險因素在裡頭我覺得既然我們已經設定目標那就要更清楚的讓我們大家都知道你怎麼去設定那多少其他配合才有機會達到那樣子的目標否則我們今天在這邊排專報或者是你過去說你一直喊說要成立亞洲的資產管理中心我們擔心就會變成是口號"},{"start":10902.808,"end":10922.24,"text":"所以具體怎麼去實現它是很重要的亞洲的資產管理中心如何流財引用是非常重要的過去我們就有四支箭如何吸引保險業者投資台灣的公共建設我們都非常清楚台灣的受險業目前的資產規模是32兆台灣的投資大概佔了45%也就是14.4兆元"},{"start":10930.425,"end":10949.71,"text":"我們有四支鍵包括你之前提到包括讓我們保險的投資公共建設可以投資公共建設然後我們風險係數要降低包括擴大保險業可以投資公共建設並且納入促參公共建設有四支鍵但是保險業最關心的你也非常清楚就是兩個核心問題"},{"start":10951.01,"end":10977.815,"text":"有沒有投資標的還有投資的方式是什麼那在投資標的的部分因為對於受選業來說他一定要賺錢否則很難跟保護交代那所以我們政府如何搭建一個更完整的平台譬如說你的收益率包括風險評估要必須公開包括我們儘管我們要哪些投資標的是要夠他可以看得到你才有辦法留錢留這些錢放在台灣投資嘛"},{"start":10980.595,"end":11008.88,"text":"那我們現在這樣的平台包括跟國發會有沒有做可不可以做得到那是不是已經上線了既然我們四支箭從去年12月已經喊了那到目前有沒有這樣子的網路相關的資訊資料可以讓壽險業去做完整的評估有沒有是謝委員剛剛提到我稍微提供一下比較新的數字我們大概37兆的資產沒關係數字不重要就是你的投資標的跟投資的方式夠不夠完整"},{"start":11010.28,"end":11037.877,"text":"剛剛委員的部分就講了就是我們現在在由國發會主政跟財政部跟我們金管會有個兆元投資計畫有個平台那個平台裡面就會揭示我們所有的大概相關比如說我們有跟產業有產業的提案還有由政府來提案的部分我們大概就是一個個針對這個案源去做分析看有沒有具有未來已經有了是不是已經上網上線公開了那另外一個就是固定收益的部分因為這是受險業者不可能"},{"start":11038.637,"end":11053.571,"text":"實際下去經營對他來說最簡單的就是一個固定收益的部分所以過去我有提到公共建設證券化的部分其實對於業者來說是比較具有吸引力的那這個部分上次你們說要評估諸位也回應我說要評估那有沒有做"},{"start":11057.333,"end":11075.701,"text":"現在我們在公件的證券化部分現在走的比較快的是債券化就是發永續債這些東西呢實際上這個債券化是比較快速的而且這邊現在成熟度比較高那至於說發行其他的比如說比較偏權益相關的有價證券那個比較複雜我知道比較複雜但是對於業者來說是不是會"},{"start":11081.423,"end":11099.425,"text":"也一樣有吸引力我覺得雖然比較複雜我們該做還是要去做那當然就是我們要創造萬一創造出來就不符合我們投資人的需要那當然是就比較事倍功半但我們嘗試去尋找跨部會的協商尋找更多可能未來公建的案源"},{"start":11100.246,"end":11114.883,"text":"是 包括主委那我就要請教你就是說我們要留錢留錢放在把這些錢資源資金留在台灣其實很重要的一個因素就是大家會去考量是一個地緣政治的因素"},{"start":11115.985,"end":11136.287,"text":"投資其實除了會不會獲利之外地緣政治就是一個很他們也對於投資者來說他也會去做評估包括巴菲特他之前2022年他有台積電ADR但是他持不到一季他就把它賣掉了對他來說他可能損失了將近2000億台幣所以體質包括台積電這麼好的公司"},{"start":11137.068,"end":11153.481,"text":"巴菲特居然在手持不到一季之後他就把它賣掉所以可見地緣政治他也承認是一個他評估非常重要的一個指標所以國際資本在追求獲利投資回報的同時他同時必須要去兼顧到風險的管控"},{"start":11155.342,"end":11175.424,"text":"所以在這邊我要再次的提醒主委我們亞洲的資產管理中心能不能成功其實地緣政治也是一個國際資本考慮的一個重要的指標跟方向所以我覺得在這一塊你一定要有機會跟卓院長跟總統反映這件事情"},{"start":11176.525,"end":11198.045,"text":"我不知道巴菲特有沒有後悔啦我只是說但是就是說我們不會因為有困難而不推我們有我們的優勢我們按照發揮我們的優勢當然我們有我們的優勢但是我們怎麼樣留住國際的資金放在台灣包括國際的資金也都承認我們在地人政治上確實是一個評估重量的考量所以台灣的"},{"start":11199.286,"end":11209.691,"text":"地緣政治的穩定度 環境的穩定度也是一個國際資本能不能留在台灣重要的指標 好不好 謝謝好 謝謝燕秀 謝謝謝謝主席 我請彭主委好 彭主委"},{"start":11225.509,"end":11227.59,"text":"165的打炸儀錶板在今年2個月"},{"start":11244.022,"end":11260.557,"text":"就有高達兩萬三千多件最嚴重的是財損已經達到一百五十六億兩個月主委你覺得這個情況有改善嗎我們花了那麼多的力氣跟法案跟相關的人力物力這個情況還是不斷的在發生"},{"start":11260.657,"end":11290.197,"text":"我想如果說我們把那個時間拉長來看跟相較於去年11月的高點來看的話我們也看到數字有明顯的下降當然還是很高我想我們還是要持續的努力其實是蠻可怕的就是國人在這上面還是不管我們用盡各種方法還是有這麼多人受害不過大部分經過調查大概就是假投資啊網路購物啊交朋友啊還有盜用帳號但是比較嚴重的都是被害人最後是透過ATM去操作"},{"start":11291.178,"end":11309.337,"text":"ATM操作這件已經成為所有的被害人幾乎共同的經驗而且存款不管是各種狀況我們現在相關的打造業表板上面ATM被害的案子就已經一千兩百多件也就是說銀行局我看到他二月份的時候邀請各銀行來討論其實對於檢調單位"},{"start":11313.061,"end":11328.449,"text":"很重要就是利用ATM提款的時候不管是車手或者是民眾去轉帳其實都有可能可以阻詐的機會所以當時銀行局向銀行建議的是說用ATM提款轉帳的話"},{"start":11330.475,"end":11348.849,"text":"都有監視器其實如果用AI去辨識的話可以要求他露出全臉或者是沒有露出全臉的不讓他領權會限制他的一些功能這件事情現在進度怎麼樣現在的話我們上次因為這主要是有業者主動提供這個想法"},{"start":11350.21,"end":11375.739,"text":"現在如果AI辨識我們手機都可以辨識你有沒有戴口罩了我相信只要加入這些軟體的升級還有一些時間趕快進入我覺得這個部分金管會應該要大力的推動因為我們在我們有固定的跟銀行之間的聯繫公共機制已經有銀行他已經在做這個評估我們去查了一下公研院其實他們94年就已經有研製類似的監控系統"},{"start":11376.579,"end":11395.394,"text":"其實銀行也應該都有我想是各單位我想街大的銀行大概都有所謂的智能ATM正在成形我只是希望我們金管會能不能統一或者大家一起來努力很簡單第一個戴口罩的人可能不要他領第二個最嚴重的就是"},{"start":11398.149,"end":11411.647,"text":"邊領錢邊打手機打電話的那個就是歹徒在操控他的這個很可愛的有個日本大阪府他直接立法禁止在ATM前使用手機打電話我們也看到這個新聞"},{"start":11412.808,"end":11430.249,"text":"所以這部分可能是我們阻詐的一個可以的方向所以主委大家已經在做了而且有已經發現這個問題所在所以邊領錢邊打電話可能就是詐騙的其中一部分尤其是老人家這部分我們是不是可以從今天開始"},{"start":11431.19,"end":11453.569,"text":"給我一點一個可能我們可以做的時間表可以沒問題我可以跟委員提供我們現在的私底下提供我們食物現在進度因為很多事情不方便公開的說智能ATM可能是下一步組炸第二個當然可以更便民那最重要的是我們可以讓所謂的車手他領不到錢讓錢出不去這個可能是最最有效的方法"},{"start":11453.949,"end":11481.179,"text":"對 他做一個警示的功能讓他說這個ATM是有防護的而且全民可能看到人家戴口罩戴安全帽去領錢可能稍微看一下第二個就是如果有人邊打電話邊理ATM後面的人也把他提醒一下其實我們跨銀行的溝通機制裡面我們都會把隨時有一些新的想法但是我們如果可以在第一時間在他領錢的那一剎那讓他變得很困難"},{"start":11482.441,"end":11503.98,"text":"至少緩衝他被詐騙或者是緩衝他領錢的機會其實我們還有想到很多其他的方式我們盡量用低成本來產生大小我想這個是我們接下來要做的用科技的方法用AI辨識的方式其實現在就可以組掉一半至少一千多件的ATM領款可能就會收到"},{"start":11506.061,"end":11528.371,"text":"接下來就是要問一下主委有關我們國際我們要做亞洲資產管理中心剛剛有很多同仁都已經問過了主要是其中一項很重要是家族辦公室家族資產的管理我想主委上任之後我也跟主委討論過為什麼台灣我們對於看到非常非常的有錢人他們常常在打遺產爭奪官司"},{"start":11530.362,"end":11552.698,"text":"或者是說他們自己的財產分配怎麼會做的這麼差第三個就是為什麼我們的法規還是會讓寫了遺囑的人不斷的碰到各種的爭端那最嚴重的是我想問一下這個資產亞洲資產主要是要針對國外的客戶還是國內的客戶我想這兩個我們在很多的政策宣示上我們這兩個都是我們爭取的對象"},{"start":11555.281,"end":11562.571,"text":"比如說把台灣變成大家可以把錢放在這邊做好管理那其中有一塊我看到你們的東西"},{"start":11564.244,"end":11587.729,"text":"我看到那個信託公會他們有發聲明第二個信託我認為是一個資產管理很好的工具跟方法但是現在看起來是信託目前是就資產管理公司部分我們現在是以銀行為第一委託人我同意但是信託其實是一個很好的方法至少某個程度可以讓"},{"start":11588.849,"end":11612.364,"text":"委託人有自由意志來指定他的財產受益人但是我們看到我們跟國外很大的差異就是我們只能指定受益人在國外可以指定我的小孩我的孫子我的曾孫子我未來未來不知道幾代的孫子都可以也就是現在台灣目前這些法規能夠配得上嗎"},{"start":11613.468,"end":11639.764,"text":"現在確實剛剛也有委員有關切這一點我們剛剛也有特別請法務部的同仁來說明就是說現在確實也有一個提案是希望來修信託法那我們也跟這個委員會也答應說我們會來跟法務部再來想我覺得這個是我們如果要跟國際接軌要讓大家把資產放在台灣來做管理的話你可能必須要跟不要說什麼 瑞士銀行為什麼可以"},{"start":11640.604,"end":11659.993,"text":"幾百年因為他們就幾百年前就接受了所謂的信託他們可以照顧他的家族一輩子可能下輩子我們要跟其他市場做競爭很多的法制應該要比較有一致性的這個可能是在亞洲資產中心很重要的一塊這也是我們推動的一個一環我們會持續來跟法務部來合作我覺得這個是最重要的一環否則"},{"start":11661.394,"end":11678.683,"text":"台灣早就會有人把錢放到這邊來第二個就剛剛講的還有地緣政治嘛我們要讓人家成為把錢放到這裡來放心的地方我們就要做讓人放心的方法第二個讓人放心的法規能夠配合的上好 現在那請那個法務部也上來好嗎"},{"start":11684.898,"end":11689.764,"text":"最後點時間我想跟主委討論一下就是上一次我問了有關虛擬貨幣現在美國川普總統已經把它作為所謂的"},{"start":11696.267,"end":11717.161,"text":"戰爭儲備 政府的儲備第二個我們後來就很好奇他用什麼儲備所以他說他要去沒收扣押的錢 扣押的虛幣所以我們就跟法務部調了台灣的政府也扣了很多虛幣法務部知道我們現在扣了非常非常多的虛幣我們的價值大概有多少"},{"start":11720.878,"end":11724.78,"text":"法務部提供的資料去年4月到今年3月一年比特幣扣押了將近203枚"},{"start":11738.266,"end":11758.003,"text":"折合台幣是5.5億以太幣2000多枚折合台幣1.47億還有很多穩定幣所以目前為止這些是政府扣押中的它可能有幾個去處第一個是要拍賣然後還給被害人第二個是有一些被政府沒收將來變成是法務部的資產可能是國家的資產"},{"start":11759.224,"end":11786.309,"text":"我上次有跟主委提過有關我們虛擬資產業者我們要開始納管是的這些將來可能的儲備現在可能就要開始討論所以我現在提供給你一個方向就是假如我們也有所謂的扣押的虛幣在儲備上面也可以作為金管會將來要訂立儲備安全網的部分是的這個部分可以跟法務部一起來討論一下有關未來"},{"start":11787.679,"end":11804.671,"text":"如果發生虛幣的問題虛幣的儲備要怎麼安排如果美國政府可以做那我們是不是有一些法案法規要來一起修正讓這些虛幣成為政府儲備的一個部分我想這部分是未來建構市場上面"},{"start":11805.652,"end":11829.739,"text":"假如它是一個成熟安全的市場遲早都會有建立遲早會來只是什麼時候來那現在有的相關的機制我們可能就要開始先做預防而且最重要的是我覺得虛擬貨幣接下去的納管在台灣應該會引起蠻多的迴響接下去民眾投入的會更多那安全性跟將來政府必須面對它"},{"start":11831.219,"end":11844.247,"text":"處理他這個問題會就在眼前好嗎是謝謝這個部分我也請主委就上次已經答應我要給我一個初步的方向好嗎是的有好謝謝好謝謝珊珊接著請楊瓊英委員質詢謝謝主席首先邀請金管會"},{"start":11865.959,"end":11884.784,"text":"我想對於整個確保公平待遇平和的機制的一個公平性我們首先來討論因為大家存有許多的疑慮第一個也就是目前我們的機制消費者爭議情形它只佔了平和的總分的20%"},{"start":11886.284,"end":11905.3,"text":"但是這才是平衡公平待客是否落實的關鍵指標第二個負責平和的政績會與金融業者當然關係很好所以在這樣的情況之下要如何的確保平和的一個獨立性"},{"start":11906.101,"end":11919.998,"text":"第三個平和結果僅公佈前50%的機構表現較差的業者資訊沒有向社會來揭露那所以可能恐發這個市場的一個"},{"start":11923.541,"end":11949.906,"text":"監管效果呢會有打折扣所以針對這樣子的一個情況請教主委那監管會你要如何的來確保公平待客的評管機制的一個能夠有公平性跟獨立性避免流於這個形式因為我們要考慮到消費者爭議的處理的評分的一個權重"},{"start":11950.546,"end":11954.64,"text":"它是非常重要 它實際上是最重要的一個關鍵"},{"start":11958.402,"end":11980.048,"text":"所以加強不良機構的資訊揭露來提升整個評鑑的真實性跟透明性我覺得這個我們有待討論所以這三項請周回答謝謝委員的提示我想第一個其實我們公平待客原則是涵蓋面非常非常的廣"},{"start":11981.068,"end":11998.642,"text":"剛剛沒有錯這個消費爭議絕對是一個非常重要的這個指標所以我們這次其實20%不算低我只是想說這部分因為我們還要考慮很多很多的這個問題而且我們這個消費爭議的部分本來還有其他的控管的機制在控管這個那第二個就是說"},{"start":11999.423,"end":12027.912,"text":"我們過去都是由金管會自行來做這個評估那但是我們整個趨勢來看畢竟金管會是個監理機關所以我們過去呢相關的比如說ESG的評鑑或是永續金融的評鑑我們大家都委託這個就是接下來交給這個專業比如說交易所或是交給我們的三個周邊單位透過專家學者的方式來做我想這部分把它制度化這是一個那當然我覺得政經會本身是否跟金融關係密切我想它的角色就是一個在"},{"start":12029.432,"end":12055.631,"text":"這個就像政績會它的功能我覺得它是屬於一個不是一個這個所謂的業務單位也不是一個所謂的這個那個營利單位那再來至於說這個未來指標出來怎麼公布這部分呢我們會來想想看就怎麼樣產生最大的效果我們來做這件事那其實我們做很多評比並不是要真的要讓市場產生比如說很不好我們是希望督促金融機構能夠朝好的方向"},{"start":12056.431,"end":12069.323,"text":"主委你現在講的這個督促這個也就是消費者末端他的一個需求跟民意的一個反應當然現在做了一部分那就是說針對第一項消費者爭議的部分佔20%那你認為說這個評比是蠻夠的但是民意認為我所需要的那這一項評比是不是可以再增加"},{"start":12079.853,"end":12082.814,"text":"你去研議第二個也就是負責評審的單位當然不管是政經會也好那監管單位也好他們來行所以當然是很好但是在攻擊的方面有沒有達到獨立性跟公平性這是你監管會必須要去督導的"},{"start":12100.16,"end":12107.723,"text":"第三個最重要的也就是你現在你剛才有回答說這個50%有討論的空間所以這一項應該要好好的去研討是不是你只有公佈前50%那真正差的你不公佈那這個是不是讓末端的這個消費要怎麼樣的讓市場可以均衡的這個機制有待考慮"},{"start":12125.731,"end":12138.423,"text":"你認為也是那你去評比好不好你評比出來有怎麼樣的經濟方案給本席沒問題謝謝那接下來請到財政部主席財政部財政部次長"},{"start":12142.478,"end":12164.555,"text":"市長我們每一年公布這個欠稅大戶在2020年到這個我們公布的是915件那麼總共有895.121但是我們看到現在追回的數字是越來越少我不知道原因出在哪裡因為15年來你們分為三段的時期來追"},{"start":12165.336,"end":12175.518,"text":"在這個情況之下我給你一個數字2010年到2011年你追回了20億2012年到2018年你追回是11到18億那2019年是5到8億也就是近兩年你是5.9億、5.43億去年半年你追回了2.85億換句話說你累計追回的是245.19億但是你是逐年的在下降"},{"start":12194.002,"end":12218.485,"text":"原因到底是什麼那你要怎麼樣去精進把這個追稅成功因為這是你每一年公告那你公告的跟追回的成效差距那麼大原因到底是什麼 請做說明這個基本上就是追稅基本上要能夠掌握這個納稅藝人的財產如果你沒有辦法掌握他的財產的話你就很難追了"},{"start":12218.885,"end":12241.592,"text":"那所以市長這個就是財產他轉移你當然追不到可是你每一年這麼公布那你不自己打臉嗎這樣好不好我是不是會後再把相關的資料再送一份給所以我們用數字告訴你是年年追回地錢你去進行方案給本席好不好還社會一個公益嘛好嗎謝謝謝謝瓊雲委員接著請王洪威委員質詢"},{"start":12253.807,"end":12256.188,"text":"這兩天大家都非常關心股匯雙殺"},{"start":12273.581,"end":12289.26,"text":"那按照我們的統計在今年3月外資賣超已經創紀錄了那請問一下主委你認為是什麼樣的原因造成我們今年3月外資會逃走這麼多"},{"start":12292.302,"end":12313.124,"text":"我想今年確實到三月大概外資賣超的金額應該有六千多億累計超過六千億對 去年一整年大概是六千九百七千億左右那確實這個數字是不正常也不是就是外資在台灣的台股的戰力其實沒有太大明顯的波動"},{"start":12314.085,"end":12318.847,"text":"比如說我們大概現在43那去年大概今年年底大概45左右不是就我們的這個金額外資賣超剛講去年一整年6900億今年已經到第一季過去就已經超過6000億什麼樣的原因然後你覺得有什麼樣的對策"},{"start":12332.128,"end":12347.214,"text":"我想資本在投入這個股票市場本來就是他有他自己的投資策略就像我們如果把時間拉長的話他有買有賣那有賣才有買我想這部分大概是股票市場大概都是這樣"},{"start":12347.534,"end":12374.98,"text":"主委請問一下我們3月份外資賣超創紀錄外資這樣大量的流出跟今年3月份賴總統提出賴17條有沒有關係我想這個部分儘管會沒辦法針對某個特定去做連接不過我們就看到一些市場從今年以來確實跟隨美股的這個這個腳步高度的連動我想也不是只有台灣的股市當然整個亞洲股市的"},{"start":12375.64,"end":12400.45,"text":"我们今天的报告主要是希望台湾能够成为一个资产管理中心但是这几天确实让很多投资人看到是心惊肉跳这当然跟地缘政治有没有关系其实是显而易见当然因为4月2号川普政府要提出有关的他的一个关税那么当然造成全球股市的一个波动"},{"start":12401.03,"end":12408.722,"text":"但是在台湾来讲非常特殊的是我们股会都受到影响来我想请问一下央行副总裁"},{"start":12411.755,"end":12419.701,"text":"而不但是股市的暴跌而最近以來新台幣也是一樣的在狂跌以上週我們台幣已經貶弱10年來的新低這個是非常特殊的那我想請問央行"},{"start":12433.752,"end":12447.694,"text":"如果今天講的是川普政府他的貿易政策關稅政策但是今年以來所有的亞洲貨幣除了越南盾跟我們一樣是貶值但是他的貶值的幅度沒有我們這麼多"},{"start":12449.264,"end":12471.616,"text":"如果日元升值 韓元升值 新加坡幣升值 人民幣升值但是只有新台幣獨憔悴 而且創下十年來的新低 這個是什麼原因當然最主要原因是剛才委員已經談到一個川普這個政策不確定性引起"},{"start":12472.336,"end":12479.278,"text":"但是其他的貨幣 其他亞洲貨幣都在升值啊只有我們在貶 重貶這個部分其實一個川普 這麼多個世界嗎是 其實我們如果看它的一個波動幅度台幣還是相對穩定那這個部分比較詳細 具體的我是不是請我們外匯組長來補充等一下 因為我時間非常有限我要請教的是"},{"start":12499.582,"end":12502.843,"text":"因為新台幣貶值其實呢對物價的這個影響是很大的雖然在上個星期五這個電價沒有上漲讓我們可能面臨的通貨膨脹的壓力物價上漲的壓力稍微稍微可以喘口氣但是貶值下去尤其台灣我們的天然氣我們的石油99%都是要進口啊所以我想請問中央銀行"},{"start":12529.648,"end":12533.877,"text":"對於這個新台幣貶值可能造成的我們國內的物價上漲的壓力通貨膨脹的壓力你們的對策是什麼呢"},{"start":12542.488,"end":12569.689,"text":"第一個外匯市場穩定性也是我們關心的至於進口因為台幣貶值這個部分其實在評估上因為我們的穩定性基本上就穩之道那我想請教副總裁擔不擔心新台幣繼續貶下去對我們物價會造成壓力當然會擔心所以我們隨時會去關注外匯市場的波動"},{"start":12570.63,"end":12598.865,"text":"所以在這邊還是要提醒央行因為在世界各國的匯率尤其我們跟我們一些主要的競爭的國家跟地區我剛才講在亞洲貨幣同樣的川普政策人家都在升值而我們貶值越南頓在貶值但是沒有我們貶的那麼兇那我擔心的是對於物價上漲會造成不利的因素這一點就是要拜託中央銀行"},{"start":12600.106,"end":12625.916,"text":"多多的關注好不好謝謝委員好謝謝好謝謝洪威謝謝委員那個林思銘委員改書面執行齁邱志維邱志維邱志維委員不在張家俊張家俊張家俊委員不在王世堅王世堅王世堅委員不在徐欣盈徐欣盈徐欣盈委員不在張祺凱張祺凱張祺凱委員不在葉延芝葉延芝葉延芝委員不在齁好"},{"start":12636.789,"end":12657.863,"text":"今日登記花園的委員都已經質詢完畢那因為那個在場的委員不足以那個法定人數臨時提案一案不宜處理那我們現在本日會議做成如下的決定一報告跟詢答完畢二委員質詢未及答覆及"},{"start":12658.763,"end":12679.364,"text":"及請補充資訊的時候 請相關的部會在一周內以書面答覆委員另外有請求期限者則其鎖定那林思敏委員她提的書面質詢 經列入紀錄刊登公報並請相關的部會以書面答覆本次會議議程已進行完畢"},{"start":12680.385,"end":12683.168,"text":"如果有不在場的委員補題書面質詢一併列入紀錄刊登公報並請議事人員協助處理散會"}]}},"supported_relations":[],"relations":[]}