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依目前我們整個金管會送行政院審查的這個虛擬資產服務法草案版本訂定虛擬資產借貸商"},{"start":84.196,"end":99.339,"text":"是否就算明文規定排除銀行法第29條之一的規範針對虛擬資產借貸利率主管機關是否有這個會定定指引或干預你有什麼看法"},{"start":100.019,"end":128.499,"text":"謝謝委員關心 剛剛確實沒有錯這樣比如說過去在我們虛擬資產服務商沒有納管的時代那對於這些所謂的上面一些交易行為常發生很多弊端我想各位都在這個都看到過去很多事件這也是為什麼各國現在要加強管理在我們現在的這個院版的草案裡面對於各種VASP的形態裡面確實有一個借貸商這借貸商呢我們會有個專門的執法針對這部分包括他"},{"start":129.179,"end":149.514,"text":"未來可能應該所有的營業規範還有它相關的一些這些運作的模式都會比較用一個審慎嚴格的態度來看待這個畢竟這個借貸商本質上有槓桿以及所謂信用擴張的效果所以這部分我們會更嚴謹的態度來看待最重要就是因為你居然要綠"},{"start":150.835,"end":168.902,"text":"這要做就是一定要嚴謹那本席是贊同虛擬資產納入專法來管理一來讓市場有一定規範可以遵循二來這個民眾使用虛擬資產商提供的這些服務也有"},{"start":170.142,"end":191.113,"text":"較多的一個保障因此相關虛擬資產立法必須要能達到保護投資以及整個市場健全由於實務上虛擬資產服務商會努力向散戶來推銷他的商品來吸引交易因此虛擬資產服務商與散戶之間"},{"start":196.456,"end":209.413,"text":"這個很有可能產生特別嚴重的這些資訊上的不對等不對稱的這些問題啊那金管會扮演重要的把關角色本席建議虛擬資產"},{"start":212.017,"end":222.351,"text":"這個服務業者未來也要納入永續金融評鑑的指標以利民眾選擇優質虛擬資產服務業者我請問金管會你的看法為何"},{"start":226.818,"end":248.791,"text":"謝謝委員我想說剛剛委員提到永續金融評鑑那這個部分現在是以金融業為主那現在我們虛擬資產剛剛初步實施我想確實建立制度維護投資人以及交易人安全這是我們在立法上最重要的一個目的那未來有任何的促進這個市場健全的方式我們都可以"},{"start":249.471,"end":272.184,"text":"都可以來考慮,不過這個東西會有階段性的這樣那個考慮應該是他現階段可能那個標準可能沒辦法先跟我們的金融機構這樣的一個方式來做不過資訊充分的揭露以及未來給予是非常嚴謹的管理應該是我們在這個對虛擬資產服務業者應該是非常重要最重要對,解決資訊不對稱的問題確實是"},{"start":275.006,"end":288.357,"text":"我是認為這個我們你們要是實施以後開始做我認為可以該做的要求的還是這個建基制的一定要做那個主委啊虛擬資產易受人"},{"start":291.32,"end":317.114,"text":"人為的一個操作或炒作那交易資訊不透明而且價格波動大投資風險高本席以購買基金為例基金價格波動風險由低至高分為五級來協助投資人判斷該基金是否符合自己的這些風險承受度並要求投資人購買錢"},{"start":319.255,"end":336.94,"text":"必須要填寫風險屬性問卷的KYC譬如問卷結果低風險承受度則民眾不能購買高風險的基金是保障民眾投資的一種機制那如果這個"},{"start":339.448,"end":355.475,"text":"這個未來如果這個虛擬資產服務商落地管理後這個民眾購買或使用虛擬資產服務商品是否也應該比照基金的風險將虛擬資產風險的程度分類並要求民眾購買前要做風險屬性的問卷那個金管會你們對這樣的做法你們看法如何"},{"start":366.64,"end":393.376,"text":"謝謝委員我想對於這個因為其實整個虛擬資產服務的客戶有分各種不同的型態有些是這個專業的交易人有些是就像剛剛委員提到就是一般的投資人或是持有人這部分的話我們在我們的那個條文裡面確實剛剛做到剛剛委員提到就是所謂的KYC就是我們像我們現在是這是金融服務業裡面非常基本的一個要求"},{"start":394.236,"end":420.619,"text":"對於你的客戶他的風險屬性以及了解你的客戶推薦或是交易適當風險的產品這未來也會納入到我們的這個規範裡面好 我是認為要嚴謹本息關係虛擬資產服務業者加入應用程式介面這個API調查機制的情形根據法務部11306月資料台灣高等檢察署"},{"start":421.44,"end":424.462,"text":"已經以4家虛擬資產物業者建立API的查調這個機制並規劃擴大這個擴大界階"},{"start":436.741,"end":465.151,"text":"至其他這個虛擬資產服務業者那請法務部 法務部今天有派代表來嘛來做說明虛擬資產服務業者加入應用程式介面API整個調查機制最新的情況並說明是否有助提升整個基層檢查追查這個虛擬資產的金流偵查的效率今天那個"},{"start":468.055,"end":490.768,"text":"是不是請法務部 法務部啊我們楊檢察官因為未來虛擬資產服務法草案三讀通過後法務部在要求業者配合查對不法這些金流上是否有更有約束力啊向委員報告考檢署現在我們有"},{"start":492.845,"end":519.011,"text":"檢察機關扣案虛擬資產平台監管平台2024年4月15號就正式上線所以在未來對於被告或犯罪嫌疑人所查扣虛擬資產都可以在安全的系統下被妥善保管等待確定判決後才會將之沒收或發案給被犯人以徹底剝奪被告犯罪不罰所得對不對好啦 那你就回去啦對那個"},{"start":522.571,"end":527.796,"text":"主委接下來我請問財政部今天有派人來嗎今天財政部有國庫署因為現在虛擬資產現在不是這個"},{"start":541.87,"end":554.636,"text":"虛擬資產現在不只是詐騙的工具它也是很多散戶投資人配置資產的工具比特幣前陣子的狂飆國內有很多人賺了大錢財政部"},{"start":558.518,"end":584.705,"text":"這個你可不可以說明針對國內投資人買賣虛擬資產的這些財產交易所得國稅局課稅情況以及啊追查他的漏稅的成果因為未來虛擬資產服務法草案三讀通過以後財政部會如何與虛擬資產業者合作協助業者民眾合法的報稅我想這點很重要你們可以做一個說明"},{"start":586.306,"end":607.245,"text":"報告委員,只要有個人有這些虛擬資產一些交易的話,就像委員講的,就是說他還是要依法去申報財產交易所得的。那這個相關的這些資訊,我們到時候都會,如果未來修法上路以後,我們都會透過一些管道去蒐集相關的資訊,來去做一個合克的動作。"},{"start":607.665,"end":621.895,"text":"因為民眾擔心虛擬資產投資血本無歸那我請問那個彭主委虛擬資產業者是否有需要成立虛擬資產業者的保存公司有沒有需要你認為"},{"start":622.856,"end":649.255,"text":"委員的意思是說類似像我們草案提到的有關那個類似我們現在金融安全網的設計嗎?對我們也提到過就是從我們也看國際發展比較快的這個市場它沒有設計類似像存保因為它畢竟比如說虛擬資產它是一個資產跟存款還是有點差異不過他們現在有一些替代的信任機制比如說像有些交易平台它就會按照它的營業額收入提撥一定的基金"},{"start":649.835,"end":678.1,"text":"未來在他們比如說這個平台被害被盜的時候產生這個損失由這個基金來做適度的填補來建立那個交易人的信心但我還沒有看到其他國家類似這樣存保的機制去針對虛擬資產交易不過它像我們現在法規裡面有提到就是說我們必須把你的虛擬資產跟你客戶你保管的必須隔離而且冷熱錢包之間必須要一定高比率的方式要放在冷錢包裡面就是做這些安全的機制"},{"start":678.72,"end":698.657,"text":"主委我是希望說既然要立法我們就要嚴謹那這如何去杜絕一些這個受詐的情形 欺騙的行為等等我認為這是很重要希望你們在立法的時候一定要很審慎很嚴謹委員指教都是我們這次立法的重點好 謝謝"}],"gazette":[{"speaker":"林委員德福","start":"2026-03-23T09:13:47.280000+08:00","guessed":false,"end":"2026-03-23T09:13:56.290000+08:00","text":"謝謝主席、彭主委，還有所有列席的相關官員，還有我們各位同仁。","quality":1},{"speaker":"林委員德福","start":"2026-03-23T09:13:57.211000+08:00","guessed":false,"end":"2026-03-23T09:13:58.873000+08:00","text":"是不是首先我們來請金管會彭主委？","quality":0.8},{"speaker":"主席","start":"2026-03-23T09:13:58.873000+08:00","guessed":true,"end":"2026-03-23T09:14:01.735000+08:00","text":"請彭主委。","quality":0.25},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:14:01.735000+08:00","guessed":true,"end":"2026-03-23T09:14:04.597000+08:00","text":"委員早安。","quality":0},{"speaker":"林委員德福","start":"2026-03-23T09:14:04.597000+08:00","guessed":true,"end":"2026-03-23T09:14:07.459000+08:00","text":"主委早。","quality":0},{"speaker":"林委員德福","start":"2026-03-23T09:14:07.459000+08:00","guessed":false,"end":"2026-03-23T09:14:22.987000+08:00","text":"主委，國外曾經有虛擬資產借貸的平臺透過高息帳戶的吸金，最後資不抵債而申請破產，造成投資人的損失。","quality":0.909},{"speaker":"林委員德福","start":"2026-03-23T09:14:24.487000+08:00","guessed":false,"end":"2026-03-23T09:14:44.810000+08:00","text":"有法律專家建議說，虛擬資產服務法草案應明文排除銀行法第二十九條之一的適用，以避免虛擬資產發行人與服務商不必要的困擾。","quality":0.927},{"speaker":"林委員德福","start":"2026-03-23T09:14:44.810000+08:00","guessed":false,"end":"2026-03-23T09:15:04.447000+08:00","text":"那我請問金管會，依目前整個金管會送行政院審查的虛擬資產服務法草案版本，訂定虛擬資產借貸商，是否就算明文規定排除銀行法第二十九條之一的規範？","quality":0.954},{"speaker":"林委員德福","start":"2026-03-23T09:15:04.447000+08:00","guessed":false,"end":"2026-03-23T09:15:11.698000+08:00","text":"針對虛擬資產借貸利率，主管機關是否會訂定指引或干預？","quality":0.958},{"speaker":"林委員德福","start":"2026-03-23T09:15:11.698000+08:00","guessed":false,"end":"2026-03-23T09:15:12.319000+08:00","text":"你有什麼看法？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:15:13.019000+08:00","guessed":false,"end":"2026-03-23T09:15:13.900000+08:00","text":"謝謝委員關心。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:15:14.600000+08:00","guessed":false,"end":"2026-03-23T09:15:30.091000+08:00","text":"確實沒有錯，比如說過去在虛擬資產服務商沒有納管的時代，對於這些所謂在上面的一些交易行為常發生很多弊端，我想各位都看到過去有很多事件，這也是為什麼各國現在要加強管理。","quality":0.961},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:15:30.671000+08:00","guessed":false,"end":"2026-03-23T09:15:50.966000+08:00","text":"在我們現在的院版草案裡面，對於各種VASP的型態裡面，確實有一個借貸商，這借貸商我們會有一個專門的子法針對這一部分，包括它未來可能所有的營業規範，還有它相關的一些運作的模式，都會比較用一個審慎嚴格的態度來看待。","quality":0.949},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:15:52.847000+08:00","guessed":false,"end":"2026-03-23T09:16:00.273000+08:00","text":"因為畢竟這個借貸商本質上有槓桿以及所謂信用擴張的效果，所以這部分我們會用更嚴謹的態度來看待。好。","quality":0.911},{"speaker":"林委員德福","start":"2026-03-23T09:16:00.413000+08:00","guessed":false,"end":"2026-03-23T09:16:07.917000+08:00","text":"最重要的就是，因為你既然要做，就是一定要嚴謹。","quality":0.9},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:16:07.917000+08:00","guessed":true,"end":"2026-03-23T09:16:08.917000+08:00","text":"是，當然。","quality":0},{"speaker":"林委員德福","start":"2026-03-23T09:16:08.617000+08:00","guessed":false,"end":"2026-03-23T09:16:32.427000+08:00","text":"本席是贊同虛擬資產納入專法來管理，一來讓市場有一定規範可以遵循，二來民眾使用虛擬資產商提供的這些服務也有較多的保障，因此相關虛擬資產立法必須要能達到保護投資以及整個市場健全。","quality":1},{"speaker":"林委員德福","start":"2026-03-23T09:16:33.107000+08:00","guessed":false,"end":"2026-03-23T09:17:15.331000+08:00","text":"由於實務上虛擬資產服務商會努力向散戶推銷它的商品來吸引交易，因此虛擬資產服務商與散戶之間很有可能產生特別嚴重的資訊上不對等、不對稱的問題，金管會扮演重要的把關角色，本席建議虛擬資產的服務業者，未來也要納入永續金融評鑑的指標，以利民眾選擇優質虛擬資產服務業者，我請問金管會，你的看法為何？","quality":0.985},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:17:19.818000+08:00","guessed":false,"end":"2026-03-23T09:17:20.198000+08:00","text":"謝謝委員。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:17:21.199000+08:00","guessed":false,"end":"2026-03-23T09:18:03.643000+08:00","text":"剛剛委員提到永續金融評鑑，這個部分現在是以金融業為主，現在我們虛擬資產剛剛初步實施，我想確實建立制度、維護投資人以及交易人安全，這是我們在立法上最重要的一個目的，那未來有任何可以促進這個市場健全的方式，我們都可以來考慮，不過這個東西會有階段性的考慮，現階段它的標準可能沒辦法先以金融機構這樣的方式來做，不過資訊充分的揭露以及未來給予非常嚴謹的管理，應該是我們對虛擬資產服務業者，應該是非常重要，解決……","quality":0.962},{"speaker":"林委員德福","start":"2026-03-23T09:18:03.883000+08:00","guessed":false,"end":"2026-03-23T09:18:04.223000+08:00","text":"最重要。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:18:04.904000+08:00","guessed":false,"end":"2026-03-23T09:18:05.164000+08:00","text":"對，解決資訊不對稱的問題，這確實是。對啦！","quality":0.824},{"speaker":"林委員德福","start":"2026-03-23T09:18:08.006000+08:00","guessed":false,"end":"2026-03-23T09:18:18.115000+08:00","text":"我是認為你們要是實施以後，我認為該做的、要求的，還是漸進式的一定要做。","quality":0.903},{"speaker":"林委員德福","start":"2026-03-23T09:18:20.397000+08:00","guessed":false,"end":"2026-03-23T09:19:08.779000+08:00","text":"主委，虛擬資產易受人為的操作或炒作，交易資訊不透明，而且價格波動大，投資風險高，本席以購買基金為例，基金價格波動風險由低至高分為5級，來協助投資人判斷該基金是否符合自己的風險承受度，並要求投資人購買前必須要填寫風險屬性問卷的KYC，譬如問卷結果是低風險承受度，則民眾不能購買高風險的基金，這是保障民眾投資的一種機制。","quality":0.979},{"speaker":"林委員德福","start":"2026-03-23T09:19:12.448000+08:00","guessed":false,"end":"2026-03-23T09:19:26.254000+08:00","text":"未來如果虛擬資產服務商落地管理後，民眾購買或使用虛擬資產服務商品時，是否也應該比照基金的風險，將虛擬資產風險的程度分類，並要求民眾購買前要做風險屬性的問卷？","quality":0.986},{"speaker":"林委員德福","start":"2026-03-23T09:19:26.294000+08:00","guessed":false,"end":"2026-03-23T09:19:28.455000+08:00","text":"金管會你們對這樣的做法看法如何？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:19:39.640000+08:00","guessed":false,"end":"2026-03-23T09:19:39.840000+08:00","text":"謝謝委員。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:19:41.201000+08:00","guessed":false,"end":"2026-03-23T09:20:06.356000+08:00","text":"因為其實整個虛擬資產服務的客戶有分各種不同的型態，有些是專業的交易人，有些就像剛剛委員提到的，就是一般的投資人或是持有人，這一部分的話，我們在條文裡面確實有做到剛剛委員提到的，就是所謂的KYC，這是金融服務業裡面一個非常基本的要求。","quality":0.944},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:20:07.236000+08:00","guessed":false,"end":"2026-03-23T09:20:16.684000+08:00","text":"對於你的客戶的風險屬性，以及了解你的客戶，然後推薦或是交易適當風險的產品，未來也會納入到這個規範裡面。","quality":0.957},{"speaker":"林委員德福","start":"2026-03-23T09:20:16.985000+08:00","guessed":false,"end":"2026-03-23T09:20:28.895000+08:00","text":"好，我是認為要嚴謹，本席關心虛擬資產服務業者加入應用程式介面API調查機制的情形。","quality":0.947},{"speaker":"林委員德福","start":"2026-03-23T09:20:29.135000+08:00","guessed":false,"end":"2026-03-23T09:21:17.110000+08:00","text":"根據法務部113年6月的資料，臺灣高等檢察署已經與四家虛擬資產服務業者建立API的查調機制，並規劃擴大介接至其他虛擬資產服務業者，法務部今天有派代表來，請說明虛擬資產服務業者加入應用程式介面API整個調查機制最新的情況，並說明是否有助於提升整個基層檢察機關，追查虛擬資產金流、偵查的效率。","quality":0.902},{"speaker":"主席","start":"2026-03-23T09:21:21.715000+08:00","guessed":false,"end":"2026-03-23T09:21:24.437000+08:00","text":"請法務部楊檢察官。","quality":1},{"speaker":"林委員德福","start":"2026-03-23T09:21:26.658000+08:00","guessed":false,"end":"2026-03-23T09:21:37.004000+08:00","text":"因為未來虛擬資產服務法草案三讀通過後，法務部在要求業者配合查緝不法金流上是否更有約束力呢？","quality":0.953},{"speaker":"楊調部辦事檢察官石宇","start":"2026-03-23T09:21:40.606000+08:00","guessed":false,"end":"2026-03-23T09:22:09.550000+08:00","text":"向委員報告，高檢署建置的檢察機關查扣虛擬資產監管平臺已於2024年4月15號正式上線，所以未來對於被告或犯罪嫌疑人所查扣的虛擬資產都可以在安全的系統下被妥善保管，等待確定判決後，才會將之沒收或發還給被害人，以澈底剝奪被告犯罪的不法所得，謝謝委員。好啦！","quality":0.847},{"speaker":"林委員德福","start":"2026-03-23T09:22:10.010000+08:00","guessed":false,"end":"2026-03-23T09:22:10.291000+08:00","text":"你就請回！","quality":0.75},{"speaker":"林委員德福","start":"2026-03-23T09:22:16.412000+08:00","guessed":false,"end":"2026-03-23T09:22:19.454000+08:00","text":"接下來，請問財政部今天有派人來嗎？","quality":1},{"speaker":"主席","start":"2026-03-23T09:22:19.454000+08:00","guessed":false,"end":"2026-03-23T09:22:20.195000+08:00","text":"今天財政部有國庫署列席。","quality":0.818},{"speaker":"林委員德福","start":"2026-03-23T09:22:34.870000+08:00","guessed":false,"end":"2026-03-23T09:23:02.981000+08:00","text":"虛擬資產現在不只是詐騙的工具，也是很多散戶投資人配置資產的工具，比特幣前陣子的狂飆，國內有很多人賺了大錢，財政部可不可以說明，針對國內投資人買賣虛擬資產的財產交易所得國稅局課稅情況以及追查漏稅的相關成果？","quality":0.979},{"speaker":"林委員德福","start":"2026-03-23T09:23:04.081000+08:00","guessed":false,"end":"2026-03-23T09:23:17.685000+08:00","text":"未來虛擬資產服務法草案三讀通過以後，財政部會如何與虛擬資產業者合作，協助業者、民眾合法的報稅，我想這一點很重要，你們可以做一個說明嗎？","quality":0.967},{"speaker":"胡副組長仕賢","start":"2026-03-23T09:23:19.306000+08:00","guessed":false,"end":"2026-03-23T09:23:40.225000+08:00","text":"報告委員，只要個人有這些虛擬資產交易的話，就像委員講的，他還是要依法去申報財產交易所得，相關的資訊未來修法上路以後，我們都會透過一些管道去蒐集相關的資訊，來做一個核課的動作。","quality":0.975},{"speaker":"林委員德福","start":"2026-03-23T09:23:40.665000+08:00","guessed":false,"end":"2026-03-23T09:23:45.208000+08:00","text":"因為民眾擔心虛擬資產投資血本無歸。","quality":1},{"speaker":"林委員德福","start":"2026-03-23T09:23:45.388000+08:00","guessed":false,"end":"2026-03-23T09:23:54.675000+08:00","text":"我請問彭主委，虛擬資產業者是否有需要成立虛擬資產業者的保存公司，你認為有沒有需要？","quality":0.921},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:23:55.856000+08:00","guessed":false,"end":"2026-03-23T09:24:03.982000+08:00","text":"委員的意思是我們草案中提到的，類似我們現在的金融安全網設計嗎？對。","quality":0.933},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:24:03.982000+08:00","guessed":false,"end":"2026-03-23T09:24:37.918000+08:00","text":"我們也提到過，從國際發展比較快的市場來看，它沒有設計類似像存保的機制，畢竟虛擬資產是一個資產，跟存款還是有點差異，不過他們現在有一些替代的信任機制，比如說有些交易平臺就會按照它的營業額、收入提撥一定的基金，未來這個平臺被駭、被盜時所產生的損失，就由這個基金來做適度的填補，來建立交易人的信心，我們倒是還沒有看到其他國家針對虛擬資產交易建立類似存保的機制。","quality":0.872},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:24:38.038000+08:00","guessed":false,"end":"2026-03-23T09:24:51.080000+08:00","text":"不過，像我們現在的法規裡面有提到，就是把虛擬資產跟對客戶的保管，必須加以隔離，而且冷熱錢包之間必須有一定高比率的方式要放在冷錢包裡面，也就是要做以上這些安全的機制！","quality":0.868},{"speaker":"林委員德福","start":"2026-03-23T09:24:51.720000+08:00","guessed":false,"end":"2026-03-23T09:25:04.071000+08:00","text":"主委，我是希望說，既然要立法，我們就要嚴謹，包括如何去杜絕一些受詐的情形、欺騙的行為等等，我認為這很重要。當然。","quality":0.917},{"speaker":"林委員德福","start":"2026-03-23T09:25:05.072000+08:00","guessed":false,"end":"2026-03-23T09:25:08.535000+08:00","text":"希望你們在立法的時候一定要很審慎、很嚴謹。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:25:08.535000+08:00","guessed":false,"end":"2026-03-23T09:25:11.657000+08:00","text":"委員指教的都是我們這次立法的重點，謝謝。謝謝。","quality":0.85},{"speaker":"主席","start":"2026-03-23T09:25:12.157000+08:00","guessed":true,"end":"2026-03-23T09:25:16.157000+08:00","text":"謝謝，我們結束林德福委員的質詢。","quality":0},{"speaker":"主席","start":"2026-03-23T09:25:16.457000+08:00","guessed":true,"end":"2026-03-23T09:25:19.599857+08:00","text":"接下來請第2位吳秉叡召委。","quality":0}]}},"supported_relations":[],"relations":[]}