{"error":false,"id":["167589"],"data":{"IVOD_ID":167589,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/167589","日期":"2026-03-18","會議資料":{"會議代碼":"委員會-11-5-20-3","會議代碼:str":"第11屆第5會期財政委員會第3次全體委員會議","屆":11,"會期":5,"會次":3,"臨時會會次":null,"種類":"委員會","委員會代碼":[20],"委員會代碼:str":["財政委員會"],"標題":"第11屆第5會期財政委員會第3次全體委員會議"},"影片種類":"Clip","開始時間":"2026-03-18T10:34:53+08:00","結束時間":"2026-03-18T10:45:44+08:00","影片長度":"00:10:51","支援功能":["ai-transcript"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/4e26a61b53ad60537cf4fa0e244b9c8e52e56fd78df8e650854b2f19bd25f7001143f66db424e4555ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"賴惠員","委員發言時間":"10:34:53 - 10:45:44","會議時間":"2026-03-18T09:00:00+08:00","會議名稱":"立法院第11屆第5會期財政委員會第3次全體委員會議（事由：邀請金融監督管理委員會彭主任委員金隆率所屬機關首長暨中央存款保險股份有限公司、監管相關機構有關之財團法人、臺灣證券交易所股份有限公司、臺灣期貨交易所股份有限公司、臺灣集中保管結算所股份有限公司等董事長、總經理列席業務報告，並備質詢。）","transcript":{"pyannote":[{"speaker":"SPEAKER_00","start":0.03096875,"end":2.6634687500000003},{"speaker":"SPEAKER_00","start":4.283468750000001,"end":10.62846875},{"speaker":"SPEAKER_01","start":4.95846875,"end":6.08909375},{"speaker":"SPEAKER_01","start":9.953468750000003,"end":10.594718750000002},{"speaker":"SPEAKER_01","start":10.62846875,"end":10.712843750000001},{"speaker":"SPEAKER_01","start":10.814093750000001,"end":11.134718750000001},{"speaker":"SPEAKER_00","start":13.78409375,"end":14.695343750000003},{"speaker":"SPEAKER_00","start":18.22221875,"end":22.05284375},{"speaker":"SPEAKER_01","start":19.28534375,"end":19.75784375},{"speaker":"SPEAKER_02","start":44.41221875,"end":47.02784375},{"speaker":"SPEAKER_02","start":47.635343750000004,"end":52.51221875},{"speaker":"SPEAKER_00","start":55.49909375,"end":64.45971875000001},{"speaker":"SPEAKER_00","start":65.05034375000001,"end":66.87284375},{"speaker":"SPEAKER_00","start":67.27784375,"end":75.76596875},{"speaker":"SPEAKER_00","start":76.49159375,"end":85.87409375},{"speaker":"SPEAKER_00","start":86.49846875,"end":95.03721875000001},{"speaker":"SPEAKER_00","start":95.34096875,"end":133.10721875000002},{"speaker":"SPEAKER_02","start":131.50409375,"end":131.84159375000002},{"speaker":"SPEAKER_00","start":133.20846875,"end":142.92846875},{"speaker":"SPEAKER_02","start":138.76034375,"end":138.81096875},{"speaker":"SPEAKER_01","start":138.81096875,"end":139.51971875},{"speaker":"SPEAKER_01","start":142.92846875,"end":152.07471875000002},{"speaker":"SPEAKER_02","start":147.28221875,"end":147.31596875},{"speaker":"SPEAKER_00","start":147.31596875,"end":147.34971875000002},{"speaker":"SPEAKER_02","start":147.34971875000002,"end":147.67034375},{"speaker":"SPEAKER_00","start":147.67034375,"end":147.70409375},{"speaker":"SPEAKER_02","start":147.70409375,"end":147.72096875},{"speaker":"SPEAKER_00","start":147.72096875,"end":147.73784375},{"speaker":"SPEAKER_02","start":152.07471875000002,"end":152.09159375000002},{"speaker":"SPEAKER_01","start":152.09159375000002,"end":168.13971875000001},{"speaker":"SPEAKER_01","start":168.44346875000002,"end":173.13471875000002},{"speaker":"SPEAKER_01","start":173.38784375,"end":209.04471875000002},{"speaker":"SPEAKER_00","start":208.52159375000002,"end":211.00221875000003},{"speaker":"SPEAKER_01","start":210.61409375000002,"end":220.03034375000001},{"speaker":"SPEAKER_00","start":220.03034375000001,"end":231.20159375},{"speaker":"SPEAKER_01","start":231.31971875000002,"end":234.62721875000003},{"speaker":"SPEAKER_01","start":234.77909375000002,"end":257.03721875},{"speaker":"SPEAKER_00","start":257.03721875,"end":288.34034375000005},{"speaker":"SPEAKER_01","start":288.30659375,"end":307.52721875000003},{"speaker":"SPEAKER_00","start":304.65846875,"end":330.44346875},{"speaker":"SPEAKER_01","start":330.54471875,"end":336.19784375},{"speaker":"SPEAKER_00","start":335.91096875,"end":336.24846875000003},{"speaker":"SPEAKER_01","start":336.24846875000003,"end":336.33284375},{"speaker":"SPEAKER_00","start":336.33284375,"end":336.38346875},{"speaker":"SPEAKER_01","start":336.38346875,"end":336.43409375000005},{"speaker":"SPEAKER_00","start":336.43409375000005,"end":336.53534375000004},{"speaker":"SPEAKER_01","start":336.53534375000004,"end":350.47409375},{"speaker":"SPEAKER_00","start":336.55221875,"end":336.82221875000005},{"speaker":"SPEAKER_00","start":345.24284375,"end":345.29346875000005},{"speaker":"SPEAKER_00","start":349.79909375,"end":355.36784375},{"speaker":"SPEAKER_01","start":355.58721875000003,"end":371.50034375},{"speaker":"SPEAKER_00","start":371.28096875,"end":401.92596875000004},{"speaker":"SPEAKER_01","start":402.04409375,"end":431.74409375000005},{"speaker":"SPEAKER_00","start":417.19784375,"end":417.45096875},{"speaker":"SPEAKER_01","start":432.06471875000005,"end":447.69096875},{"speaker":"SPEAKER_00","start":448.66971875,"end":451.96034375000005},{"speaker":"SPEAKER_00","start":452.51721875000004,"end":455.31846875},{"speaker":"SPEAKER_00","start":456.16221875,"end":457.02284375000005},{"speaker":"SPEAKER_01","start":457.10721875,"end":466.64159375},{"speaker":"SPEAKER_00","start":465.71346875,"end":485.23784375},{"speaker":"SPEAKER_00","start":485.57534375000006,"end":489.13596875},{"speaker":"SPEAKER_00","start":490.28346875000005,"end":496.35846875000004},{"speaker":"SPEAKER_01","start":496.18971875000005,"end":515.8490937500001},{"speaker":"SPEAKER_00","start":514.4822187500001,"end":522.26159375},{"speaker":"SPEAKER_01","start":522.3290937500001,"end":535.4240937500001},{"speaker":"SPEAKER_01","start":536.79096875,"end":537.87096875},{"speaker":"SPEAKER_01","start":539.60909375,"end":552.1303437500001},{"speaker":"SPEAKER_01","start":552.5690937500001,"end":552.6028437500001},{"speaker":"SPEAKER_00","start":552.6028437500001,"end":571.7053437500001},{"speaker":"SPEAKER_01","start":568.22909375,"end":569.91659375},{"speaker":"SPEAKER_01","start":572.19471875,"end":578.8940937500001},{"speaker":"SPEAKER_00","start":579.1640937500001,"end":583.7878437500001},{"speaker":"SPEAKER_01","start":581.2903437500001,"end":582.74159375},{"speaker":"SPEAKER_01","start":583.7878437500001,"end":591.85409375},{"speaker":"SPEAKER_01","start":591.87096875,"end":600.3928437500001},{"speaker":"SPEAKER_01","start":600.8484687499999,"end":600.88221875},{"speaker":"SPEAKER_00","start":600.88221875,"end":615.0065937500001},{"speaker":"SPEAKER_01","start":615.0065937500001,"end":617.58846875},{"speaker":"SPEAKER_00","start":617.60534375,"end":623.1909687500001},{"speaker":"SPEAKER_00","start":623.3428437499999,"end":637.41659375},{"speaker":"SPEAKER_01","start":629.04659375,"end":629.3672187500001},{"speaker":"SPEAKER_01","start":630.8015937499999,"end":631.56096875},{"speaker":"SPEAKER_01","start":637.48409375,"end":643.9978437500001},{"speaker":"SPEAKER_01","start":644.50409375,"end":646.2084687500001},{"speaker":"SPEAKER_01","start":646.56284375,"end":649.66784375},{"speaker":"SPEAKER_00","start":649.93784375,"end":652.23284375},{"speaker":"SPEAKER_01","start":650.91659375,"end":652.24971875}],"whisperx":[{"start":0.889,"end":10.552,"text":"那個請金管會主委那個樓民財委員要請總統了所以這個是總統的政策好謝謝喔等一下主委等一下那個螢幕沒有資料"},{"start":45.39,"end":52.163,"text":"先預告一下 等一下賴慧媛有人諮詢完之後我諮詢完之後休息五分鐘讓大家上廁所"},{"start":58.409,"end":73.022,"text":"我想虛擬資產已經是成為全球金融化的不可忽視的一環其實我們的監理基本架構也正在成型但是面對這一項新興且高度依賴技術的產業"},{"start":76.565,"end":102.618,"text":"本席認為金管會目前的一個草案其實還有很多地方需要釐清還有很多盲點不過就是說等了喊了一年也等了一年那虛擬資產專華是不是還在炎帝就從去年的3月25號一直到現在甚至就是說我們副組委莊副組委在上一次在12月25號"},{"start":104.139,"end":127.074,"text":"也跟大家宣布這個是一個國際性的一個論壇他公開的表示說虛擬資產的那個服務法 預估最快最快在明年就是等於是今年的上半年會執行可是這樣看起來就是說這個依告草案一年過去了那驗版的草案現在也還沒有經過立法院的那個一讀"},{"start":128.235,"end":151.668,"text":"那諸位你看我讓你有機會講一講到底就是說什麼時候會送到行政院什麼時候會送到立法院那你是不是試著就是說把這一個時程跟大家做一個報告好 謝謝委員我想說我們在前年的時候就答應我們要立專法我們當初就立定的是明年的就是去年的六月底以前送進行政院"},{"start":152.429,"end":167.629,"text":"對 那我們那個剛剛委員提到3月呢是因為我們內部的這些草案要公告給外界收集意見那我們做完呢 只是行政單位做完草案我們確實在6月27號已經送進了行政院並沒有任何的延誤那接下來呢 政委就開始進行"},{"start":168.57,"end":186.967,"text":"多次的開會那最近已經開會已經討論完畢剛剛那個我們副主委說最快是預估說假設是在比如說當時在下個就是前一個會期如果通過的話能夠在這個會期就送進行政院"},{"start":188.368,"end":210.449,"text":"送進立法院的話那當然這個會期最快如果我們通過的話就有可能我們的虛擬資產服務法在今年就會通過然後接下來在我們的執法通過以後就可以實施我想這整個過程應該都按照這樣一個順序來做我想行政院那邊已經審查完畢按照程序應該預期行政院已經審查完畢了"},{"start":212.05,"end":229.667,"text":"對 什麼時候會送出來那這樣我沒辦法代行政院回答不過按照程序是審查完畢以後會經過行政院院會通過以後就會送進立法院好 主委我再提醒你在野黨他的兩套虛擬資產法制上基本上他已經超車了金管會你認為這樣是合理的嗎"},{"start":231.348,"end":256.95,"text":"我想市場上比如說我們在大院各個委員之間都有各自的理想的條文我想這都尊重但是未來還是要落地可行真的符合我們台灣真正的不管是市場的現在的現況以及我們監理上面的這個能量還在就是未來的發展我想我們可以再透過在立法院的討論的時候能夠深入的討論各種版本"},{"start":257.671,"end":273.747,"text":"那我們就再充分的討論那就是在3月16號台哥大已經跟萬事達宣布了他們要合作那甚至把那個加密幣導入了日常的一個支付這個已經是從投資的一個工具走向日常生活裡頭"},{"start":274.508,"end":285.417,"text":"那主委你怎麼看呢就是這些虛擬資產專業法跟信用卡卡上在推動日常的一個支付上面他有足夠的法規來規範嗎我們有足夠的法規來規範他們嗎其實這個在我們一些把過去把穩定幣"},{"start":293.024,"end":306.279,"text":"或是一些虛擬資產搭配在信用卡上做支付這個部分其實已經在國際上已經很普遍我想這個如果在法規上基本上它還是一個信用卡支付它是一個信用卡支付所以說主委你很樂觀其成"},{"start":309.102,"end":329.922,"text":"那如果說我們在這個虛擬法規上頭的話我們台灣不是發展最快的啦那就是說已經就是說外地的廠商在本地已經是落地了那我們也有我們自己的法規可以管他們的話我們是不是應該就是說開大門走大路我們就去歡迎他們咧"},{"start":330.843,"end":355.123,"text":"其實委員剛才提到所謂落地我想應該這是法規認知上面是有一點點差異的還是有差異比如說他們今天去綁一個信用卡比如說我們市場上聽到的U卡那其實上某種程度他拿的就是一家VISA或是MESSA卡這部分他在支付店家他也是收他當地的幣別只是他結算背後可能他付的時候可是起碼他就是受我們的法規受我們的法規管理啦這是好事啊"},{"start":355.863,"end":372.767,"text":"對 就是說其實應該講我們現在所落地剛剛提到假設外國的這些的虛擬資產服務業者在台灣對我們一般民眾做無差別的這樣一個業務的話他必須經過我們的特許我想這個全世界都是一樣的好 經管會的特許啦"},{"start":373.107,"end":401.685,"text":"那我們接著是不是主委我們再來講這個虛擬資產它所依賴的這個區塊鏈它本身不是金管會監管的一個範圍內那你怎麼樣來就是說監督呢因為區塊鏈就沒有納入你的監管範圍那會形成你監管的一個落差那你有沒有更好的方式還是說尋求有技術的合作廠商的時候必要的時候是不是跟外國廠商一起合作呢"},{"start":402.545,"end":431.044,"text":"對 我想這部分有沒有排斥當然我們在監理機關我們扮演的角色跟一般業者是不太一樣剛才講 我已經說區塊鏈本來就是個去中心化也衍生出一個技術它本質上就不是但是我們真的看到現在的落地的部分基本上還是要靠中心化取得信任比如說剛才我已經說我們怎麼樣去納管這個區塊鏈因為區塊鏈如果要跟一般民眾生活做連結它必須要跟幾個"},{"start":433.886,"end":454.838,"text":"幾個這個機構幾個中心點產生關聯性比如說我們的銀行或是我們所謂的交易所這些都是可以政府公權力可以所到達的地方透過這個方式來管理我們區塊鏈上面的金融交易行為所以就是說其實基本上就是說你也是支持這樣子的一個"},{"start":456.249,"end":484.936,"text":"方式嗎因為這是一個假設是一個技術的發展跟全球的趨勢我們擋不住但是我們必須要在我們自己的監理的架構下做好準備當然是擋不住啊我們就是因為擋不住所以我們才必須要就是說你看停了慢了一年如果就是說其實你基本上你並不是你是一個比較創新的寫者如果就是說不是去年就是這當然有很多原因啦這個這個原因慢了這個我們也也就"},{"start":485.756,"end":509.589,"text":"不再往後看了我們往前看的話如果就是說可以提前的話其實我相信今天我們討論的議題又不是這樣的一個議題當然一個新的制度的出現必須要考量社會各界的共識像比如進到立法院還有各界的意見還要整合我想這也是真的那對於這種新的事物坦白講"},{"start":510.549,"end":535.687,"text":"充滿了不確定性但是我們要做好準備但是也不冒進當然是不冒進可是業務已經趕上來了那你的執法法規呢執法法規是不是已經到位我們其實現在全面在推動我們的草案大部分的絕大部分我們已經有草案接下來的話我們還在做一個整合因為這次總共有預計會有九個執法要訂定其實蠻龐大的工程九個執法"},{"start":539.936,"end":566.378,"text":"總共這個當我們虛擬資產服務法通過以後裡面有授權要訂定我們現在已經有大概九個執法要來訂定其中八個是針對虛擬資產服務業者另外一個是針對穩定幣是那倒是那個九個執法裡頭主委可以不可以就是說你可以很肯定的講就是涵蓋了現有的一個業務嗎這九個執法可以那個就是去那個承擔現在的這些業務嗎"},{"start":568.28,"end":591.199,"text":"我們看到的不管是交易保管到知戶借貸我覺得可以說我們未來的這個法律架構會超過現在登記制的這些業者的範圍那如果往後再延伸RWA還是穩定幣呢看業務未來發展趨勢來做彈性的調整其實我們的法規裡面也留有這些相關的彈性空間"},{"start":592.102,"end":617.245,"text":"所以就是說基本上你認為沒有問題當然我們現階段如果有問題我們會處理我們一定把它處理到我們認為沒有問題才會上路所以我想那個眼見最新的一個調查他說高達76%的這個我們的虛擬的資產的用戶他顯著就是把他的資產還是放在中心化的交易所這也是為什麼監管的重要性"},{"start":617.685,"end":636.805,"text":"是啊是啊所以我們也看得出來啊所以就是說受監管變成是就是這些投資者最大的一個期待啊所以在這裡也是要鼓勵啦也是跟那個金管會加油我想就是說很多投資者是期待就是受監管是一個合法的一個監管"},{"start":637.886,"end":650.858,"text":"對 就是說因為政府透過監管取得社會信任是一個產業發展非常重要的基礎這是我們政府保護人民權益一個非常重要的工作啦好 謝謝 謝謝主委 謝謝主席"}]}},"supported_relations":[],"relations":[]}