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像去年就發生好幾件嘛S的王牌交易所的詐騙案嘛然後還有臂想還有很多上甚至是投放虛擬的那個假的廣告用名人詐騙等等這些詐騙案件你想用什麼樣的方法是比較有可能可以至少壓制減緩或是杜絕"},{"start":65.481,"end":90.231,"text":"是 施謝委員 我想主要詐騙是過去很多人對所謂的虛擬資產第一個印象那確實是過去它有很高度的匿名性那這部分而且在國際之間進行移轉那其實我們在這個當立法以後基本上第一個必須要做好嚴格的KYC就是誰來跟你做交易基本上這個帳戶這個錢包是誰的這個比如說這個交易平台跟你往來之間必須要知道"},{"start":90.951,"end":117.503,"text":"這就是我覺得這個非常重要像剛剛委員提到就是說過去現金跟虛擬資產之間的交易形成斷點我們在這邊也做了規範還有就是說基本上在實體跟虛擬之間必須透過我們監管的銀行跟我們的監管金融機構跟這個虛擬服務業者合作的時候我們可以透過這樣的方式來進行所謂的管制還有就是未來金流的部分怎麼樣流動都必須要申報我想這些都是"},{"start":118.443,"end":127.971,"text":"很重要再來就是我們會透過國際合作的方式來進行這樣的一個防炸的工作另外你現在一開始是"},{"start":129.008,"end":152.327,"text":"主要是讓合法業者來申請然後組工會然後業者自主管理然後希望他們能夠提升管理的水準你覺得這個未來走的方向如果你說讓台灣的投資者對於這個有信心的話我認為最後最後的體系是不是走到類似交易所這樣的制度"},{"start":159.496,"end":176.566,"text":"其實跟委員報告就是說其實上我們現在以我們現在的現有的這八家的經營形態裡面有大概四五家申請所謂的平台商他基本上就已經有類似我們的交易所的概念其實整個交易所是我們未來監管非常重點因為它是一個買進賣出跟資金資產移動的節點"},{"start":179.187,"end":203.581,"text":"那這部分的話當然這是在管理上也是特別的完整以及就是嚴格啦那當然這是一個市場機制當然透過比如說由公營或是高度監管的方式那當然對未來的管控是比較好但是我們現在看國際上大部分這些都不是由政府來管控不過即便是民營的交易所基本上到最後的話也是要受到非常高度的監理因為"},{"start":204.842,"end":227.464,"text":"無論是在英國或是無論在美國人家的交易本來就是他們就沒有像我們台灣這樣子的這個公家來弄交易所的制度啦我現在是講說那個信賴的問題你一開始事先這樣管理那這樣我們了解未來如果你有這個方向我們現在證交所啦OTC啦還有奇交所這些都是"},{"start":228.445,"end":250.392,"text":"至少在台灣的民眾相信說這是政府準公家在監控的單位所以那樣的管理讓大家的信心是比較足的你如果讓業者自主的管理信心度的那個是會有我個人認為會有差啦那所以我的想像是說你現在一開始先初步這樣管理"},{"start":251.112,"end":255.255,"text":"其實在初始階段我們市場上從登記制到現在我們市場上已經有一些經營業者在經營只是說現在我們過去是所謂類高度監理那現在會變成是真實高度監理"},{"start":276.047,"end":292.13,"text":"在這個過程當中 剛才委員講就是說其實整個去中心化金融裡面在國際的發展趨勢很明顯的中心化提供了信任比如政府的立法的管理還有就是透過政府公權力的介入都會產生一般民眾信任"},{"start":292.811,"end":318.544,"text":"的來源這也是其實某種程度也有助於這樣這個產業的發展我覺得剛剛委員提到我們是持開放的態度來針對這未來市場的發展不過我們現在先以市場秩序跟整個就是我們交易人的保護為主要的立法的目標好那因為你花了這麼大的力氣監管那如果能夠將來成立交易所"},{"start":320.011,"end":338.074,"text":"公家的交易所將來很多年以後至少在政府的稅收上面也會有幫助你看現在我們的證券交易事實上因為政府我們是用採收證交稅的方式但是因為交易有一大那政府的稅收也能夠得到一些保障"},{"start":339.444,"end":362.142,"text":"那所以制度當然跟其他國家政所制度不太一樣但是每一個國家有他自己的做法那我在想說如果能夠長期來成立的話長期的方向如果是這樣的話對台灣的未來也是會有所注意第一個提升投資者的信任度公信力第二個因為交易所如果是掌握在政府的手裡"},{"start":363.598,"end":385.975,"text":"至少可以很多方面的公式公信資訊這方面的那個要求的公開跟透明會比較高然後對交易者來講也會比較有保障好那我再請教你的問題因為我最近我們的服務處遇到的那個金融消費平益中心他平益完的案件銀行不遵守"},{"start":387.27,"end":413.12,"text":"那你這樣子金融消費評議中心評議幹嘛他沒有存在的必要啊照理來講金融消費評議中心評議了如果當事人不服可以去法院告這是我了解問題那個是跟銀行之間有法律能力跟資訊的落差現在是評議了消費者接受銀行不接受那怎麼會有這樣的狀況所以我想這個"},{"start":415.223,"end":432.119,"text":"剛剛我們局長跟總經理也在,是不是請他們簡單來回答一下?各位報告,那個個案是TRF,TRF是不在評議中心的法效率裡面但是呢,這個部分我們也會跟評議中心密切聯絡只要是評議中心調處的案件,我們都會一件一件來檢視"},{"start":433.442,"end":451.943,"text":"他這個事情很離譜第一個是第一次調處那一間銀行我不要點名那一間銀行對金融消費平息中心憑說要賠12%12%已經很低了DRF對台灣的損害傷害很大結果那一間銀行完全不理他"},{"start":453.084,"end":479.107,"text":"就後來他再申請第二次評議評議還是說應該要還那一部分這次評議降到10%只還他10%陳清仁也沒有意見啊說那你就照評議中心的評議處理就銀行還是不遵守如果這樣子的狀況一再的發生的話那你金融消費者評議中心就關門就好啦你的評議今天不是當事人不接受不是陳清仁不接受是你銀行不接受"},{"start":480.851,"end":509.301,"text":"那這樣子的話那金融消費平益中心給人家的感受就是找你也沒有用啊是不是會有這樣的狀況是 更委員幫過去285件裡面絕大多數銀行其實都會接受那對於少數沒有辦法接受的部分我們會跟平益中心來聯繫我們會一件一件來釐清銀行該負的責任就是要負責那了解清楚好不好我覺得平益中心坦白講如果照規定你們是找了一些專家來嘛"},{"start":510.1,"end":538.878,"text":"然後來評議他會做出評議而且陳述真的是不高那這樣的評議我相信有相當的道理那這個被評議的對象就是陳經理來陳情來申請然後相對對照是銀行你知道那個權利義務是大家的那個是不對等的喔銀行是他無論在法律能力無論在各方面他都明顯告於這個當事人嘛那"},{"start":539.98,"end":552.234,"text":"金融消費評議中心所做的評議屢次不遵守然後一副不奈他何這個樣子那這樣子你們的法治是不是你覺得有沒有檢討的地方呢"},{"start":552.938,"end":569.906,"text":"是因為這個部分目前是就是緊急於調處但即便是調處也是陳如委員所說的這是評議中心所做出來的決定那非常具有高度的一個專業跟公信力那這個部分個案上我們會找銀行來就是來跟我們說明清楚"},{"start":570.831,"end":592.11,"text":"好 謝謝 當然當年的TRF這個危害到現在還沒有完全解決啦剩下少數 數量不多的個案希望今晚會能夠努力因為我在第九屆立委的時候我列管要求他每個月要給我一個報表看你們已經解決了多少那現在已經第十一屆了 這麼多年了那"},{"start":593.532,"end":615.729,"text":"這個尾巴剩下不多如果你們能夠處理完至少也告訴國人說我們DIF所有的生意都解決了這對我們國人來講說至少當年的錯誤已經有被矯正了至少被治療了一部分那個彭主委可不可以啊我們再繼續努力啦所以剛剛局長已經說了他會全力來協調這件事情好 謝謝謝謝委員謝謝"}]}},"supported_relations":[],"relations":[]}