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看起來很多"},{"start":141.798,"end":157.967,"text":"但是實際上是很少那就是我們設定一個分流的概念那這種分流的概念的情況底下是不是一個好的現象或者是我們要現階段如果假設你真的要分流的話你是不是應該讓分流者都健康的成長之後再來考慮合流"},{"start":158.507,"end":174.199,"text":"而不是一分然後馬上又合而且是單項的合單項的合就是大吃小 小吃更小而是單項小的不能去吃大的喔電子支付不能搶銀行的喔小兒會對不能去介入電子支付的喔那這就亂掉啦"},{"start":175.677,"end":184.882,"text":"對不對 主委我真的很想知道到底我們有沒有可能新的有一種金融科技的一個新的發展的藍圖的可能性否則的話會一團亂你的藍圖會變成江湖啦"},{"start":189.588,"end":206.144,"text":"主委 這是本席擔心的地方 要先跟你討論這個部分對 謝謝委員提的一個非常複雜的一個問題因為剛剛提到就是說我們剛才這幾種業態的過程它不是一次同時出現它是一個因著市場的環境逐一的發生的結果"},{"start":206.764,"end":222.742,"text":"再來一個其實我過去在長期研究金融科技我在學校的時候大概就是其實台灣的特殊的法治結構實際上是一個很關鍵的原因比如說過去我們任何一個執照都必須要有一個法律來支撐那比如說銀行法"},{"start":223.263,"end":246.285,"text":"那你要做到銀行的業務必須拿到他的執照除非你要做到他部分業務你還是要拿到一個銀行的執照那只好不斷的分化出其他比如說小額匯兌或電子支付那這件事情呢等於說我們是從既有的市場切出一塊針對未來的演進需要他只專做這一小塊我們給他一個執照一開始他就居於一個比較是"},{"start":248.607,"end":268.973,"text":"我們沒辦法像其他國家比如他的法制是一個很有彈性我直接給你一個新的業態去經營我想這是我們也觀察到的一個問題確實是我們先天上有一些限制但是所有的這種類似金融商品的話金融科技商品都是先有市場才有法制但是我們根本上台灣"},{"start":269.873,"end":288.513,"text":"根本的問題是over banking的問題嘛我們本來銀行就太多嘛那銀行就是要搶業務結果就搶到電子支付電子支付又搶到這個小額匯兌嘛所以大家撐不下去的時候就是想方設法那之後會變成一團大亂那因為有市場在轉入法治的過程當中主委您的角色就很重要"},{"start":289.654,"end":309.272,"text":"你要去如何宏觀調控這個金融科技業的產業發展的路徑藍圖我是希望在你這一任當中有屬於你的架構藍圖出來啦能夠在分流的前提健全之後再考慮合流而不是分了之後呢現在變成亂流而且是以大吃小的這種狀況我講的這個現狀你不否認吧"},{"start":312.395,"end":333.413,"text":"沒有我想喔 其實還是有點差異啦我覺得委員看到是一個現象確實是 我剛才講過就是說他如果是同時發展的話那當然他們各自沒有沒有 這現實上不可能同時發展嘛 對不對所以說因為現實上不可能同時發展這同時進入市場我就再舉更小的例子給你聽嘛這是他過去歷史因素導致的基礎本來就不太一定"},{"start":333.553,"end":348.324,"text":"所以說我們只能在事後在一個timing點來調用制度來做調整嘛譬如講我叔叔疑時說現在電子支付的話他的第三項要不就是可以辦理國內外的小額這個會對這寫很清楚嘛可是他的發展方向呢他不是針對國人"},{"start":349.925,"end":377.603,"text":"或者外國旅客他反而要跳過去已經做好的那兩家去搶他的業務那不是更亂搶下去以後就亂殺價嘛那這種生存的空間就越差嘛我舉的是這個例子好 那我們再回顧到我們剛剛講了日本他開放那個VASP的這個部分的狀況日本在開放VASP的部分在開放這個虛擬資產的這個牌照的過程當中很重要的是第一個除了交易之外"},{"start":378.544,"end":401.725,"text":"第二個他是第一種經商委法院所謂的幹桿跟衍生性商品另外他們也因為市場或制度的情況底下他連電子支付都可以做甚至他後來還可以去成立所謂的網路銀行然後用銀行來發行這一個穩定幣也就是他會變成一個比較健全的金融科技業者"},{"start":402.426,"end":423.422,"text":"可是台灣現在我覺得看不出這種可能性啦然後不只如此喔那個主委你去看喔依照我們的條文精神當中喔依照日本那個部分我們去看考察的時候前年我們去看考察的時候他們因為虛言之後把整個交易量從30%降到5%那我們本來消費量就很少啦"},{"start":424.082,"end":451.049,"text":"如果按照我們這種方式的話就是採取一個相對穩健當然也是算是保守因為我們不想出事情的情況底下這種分階段的處理先通過魔法再通過執法然後再發照再輔導上路那不知道要多久了這是第一啦第二個的部分呢在收入面的部分就只有維持第一個這一個交易而已簡單的交易買賣而已還沒有衍生性的商品"},{"start":451.969,"end":480.535,"text":"第二個呢 你成本又把他拉高你要到五億然後內積內控又要加嚴又雷同一特許行業這種情況底下 也就是說我們看到我們在學習日本的過程當中日本進了我們跟著進日本不進了我們也在進所以說這種情況底下台灣的這個那個虛擬資產業者基本上所面對的困難性會更加的"},{"start":482.101,"end":499.935,"text":"嚴酷啊所以到底接下來很重要的關鍵啊老實說啦這三家能夠支持這目前八家當中老實說真正有比較大而已你也只有三家啦到底會維持幾家我個人啦 老實講我抱持了相當大的懷疑啦"},{"start":500.535,"end":523.288,"text":"那相當大懷疑的部分呢如何去銜接這一個產業你要如何去看待它也就是在第二個部分的可能性怎麼樣以及將來在分流健康情況底下以後在過一段時間以後大的一個趨勢當中河流的可能性就是要有待於這一個足穩你的智慧跟判斷還有政策的形成"},{"start":526.584,"end":551.561,"text":"剛剛委員提到有一點我們對虛擬資產服務業者其實我們並不是說專法執法才開始做其實我們這是跟過去很特別的我們已經開始有這個行業了我們開始才做專法所以各位注意看奇怪我們專法都沒通過為什麼市場已經有八家其實這已經做了一個非常彈性而且已經順應整個的這個做法不過剛剛委員提到就是說各個國家它確實有些可以值得參考"},{"start":552.341,"end":569.737,"text":"但是就像我長期研究金融制度我就知道任何一個制度的產生不是憑空出來的跟它的整個歷史因素有很大的關係我們的歷史不一樣不過它做出來的東西確實可以未來我們做個參考比如說剛才講各個業態我們所能做的當然不一樣但是我覺得好的地方我們可以來研究啦是啊"},{"start":570.037,"end":585.418,"text":"本席就在跟你對話這個我不是照抄啊當然我是說我們我看到了一些大的狀況我們的狀況是如此嘛你剛才不否定我剛剛的觀察嘛所以在不否定的情況底下是不是在做一些大跟小之間的區隔以及呢"},{"start":586.059,"end":607.367,"text":"分流之間的一個培養有一點育成的一個概念讓他們在沙盒實驗能夠更加茁壯的情況底下你已經放出去等於是沙盒已經完成的情況底下讓他更茁壯的情況考慮到未來有河流的可能性我覺得這或許是對台灣的整個金融科技業者比較好的發展路徑這是本席跟你對話的關鍵的地方"},{"start":609.409,"end":631.848,"text":"那剛剛委員提到的概念也是啊任何一個政府他開放一個行業都希望這行業能夠發展起來是否則他乾脆就不要開放是是是但就是說這個這個開放以後他自己經營能力跟市場能不能存活又是另外一個殘酷的對市場是一回事但制度也產生影響啊他會造成生態的不一樣啊或者是我們現在討論制度的時候有些委員的版本啊"},{"start":632.549,"end":658.278,"text":"硬梆梆的就定在說母法當中六個月就應該給他核准那有些應該放在子法就不應該放在母法不是嗎那當然他有一定的tempo要去處理的嘛對不對所以我是覺得主委接下來在討論這部法的過程當中我請你再回去稍微釐清一下到底我們的金融科技業的路徑要怎麼發展我期待你提出您的3.0的版本謝謝主委謝謝委員的指導 謝謝"}],"gazette":[{"speaker":"郭委員國文","start":"2026-03-23T09:46:06.787000+08:00","guessed":false,"end":"2026-03-23T09:46:08.052000+08:00","text":"謝謝主席，有請彭主委。","quality":1},{"speaker":"主席","start":"2026-03-23T09:46:08.052000+08:00","guessed":true,"end":"2026-03-23T09:46:09.915333+08:00","text":"請彭主委。","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:46:09.915333+08:00","guessed":true,"end":"2026-03-23T09:46:11.778667+08:00","text":"委員早安。","quality":0},{"speaker":"郭委員國文","start":"2026-03-23T09:46:11.778667+08:00","guessed":true,"end":"2026-03-23T09:46:13.642000+08:00","text":"謝謝主委。","quality":0},{"speaker":"郭委員國文","start":"2026-03-23T09:46:13.642000+08:00","guessed":false,"end":"2026-03-23T09:46:28.272000+08:00","text":"今天要討論虛擬資產業者的這個專法之前，本席想要先跟您對話的是有關於金融科技業分流的概念跟合流的問題。","quality":0.979},{"speaker":"郭委員國文","start":"2026-03-23T09:46:29.313000+08:00","guessed":false,"end":"2026-03-23T09:46:45.722000+08:00","text":"其實我們在前年有去日本參觀相關的業者，主要包括GMO跟SBI這兩個集團，我們有把這兩個集團的制度面引進臺灣，有一定程度上制度的參考方式。","quality":0.906},{"speaker":"郭委員國文","start":"2026-03-23T09:46:46.583000+08:00","guessed":false,"end":"2026-03-23T09:47:05.637000+08:00","text":"可是對照日本跟臺灣之間的概念來說，臺灣目前金融科技業的部分是採取一種很分流的狀況，分的過程當中卻又有大搶小、小搶更小，而且這種開放式的方式又是單向的方式。","quality":1},{"speaker":"郭委員國文","start":"2026-03-23T09:47:06.538000+08:00","guessed":false,"end":"2026-03-23T09:47:27.612000+08:00","text":"以至於現階段來說，我們看到電子支付業者本身有10家，然後因為我們又開放了銀行38家業者可以下去經營，總共20家投入，而現狀來說，我們就談現狀就好了，電子支付業者基本上真正賺錢的其實就只有一家LINE Pay而已。","quality":0.891},{"speaker":"郭委員國文","start":"2026-03-23T09:47:27.992000+08:00","guessed":false,"end":"2026-03-23T09:47:30.733000+08:00","text":"LINE Pay是因為它本身的會員很多……","quality":0.611},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:47:30.733000+08:00","guessed":true,"end":"2026-03-23T09:47:31.953000+08:00","text":"生態圈。","quality":0},{"speaker":"郭委員國文","start":"2026-03-23T09:47:31.953000+08:00","guessed":false,"end":"2026-03-23T09:47:43.501000+08:00","text":"這是它基本的優勢，可是這種東西真的是一種屠殺的狀況，到底我們金融科技整個發展的路徑圖是什麼樣子？","quality":0.978},{"speaker":"郭委員國文","start":"2026-03-23T09:47:43.781000+08:00","guessed":false,"end":"2026-03-23T09:47:45.403000+08:00","text":"老實講我看得不是非常的清楚啦！","quality":0.857},{"speaker":"郭委員國文","start":"2026-03-23T09:47:46.344000+08:00","guessed":false,"end":"2026-03-23T09:48:00.478000+08:00","text":"第二個部分，接下來電子支付業者又可以去從事匯兌業務，而匯兌不是找本國，它現在積極地想要介入移工的小額匯兌的部分，那不是小的又搶更小的嗎？","quality":0.952},{"speaker":"郭委員國文","start":"2026-03-23T09:48:02.120000+08:00","guessed":false,"end":"2026-03-23T09:48:17.874000+08:00","text":"現在虛擬資產的部分，現實上真正有交易金額的，老實說只有3家而已啦，簡單的這張圖就是右邊的部分1、2、3，至於電子支付是1家賺錢，移工的匯兌停留在只有2家的業務啦！","quality":0.821},{"speaker":"郭委員國文","start":"2026-03-23T09:48:17.874000+08:00","guessed":false,"end":"2026-03-23T09:48:29.702000+08:00","text":"虛擬貨幣基本上真的有交易量就只有3家，看起來很多，但是實際上是很少，那就是我們設定一個分流的概念，在這種分流概念的情況底下，是不是一個好的現象？","quality":0.985},{"speaker":"郭委員國文","start":"2026-03-23T09:48:30.483000+08:00","guessed":false,"end":"2026-03-23T09:48:55.977000+08:00","text":"或者是現階段假設你真的要分流的話，你是不是應該讓分流者都健康的成長之後再來考慮合流，而不是一分然後馬上又合，而且是單向的合，單向的合就是大吃小、小吃更小，這是單向；但小的不能去吃大的，電子支付不能搶銀行的，小額匯兌不能去介入電子支付的，這就亂掉啦，對不對？","quality":0.931},{"speaker":"郭委員國文","start":"2026-03-23T09:48:55.977000+08:00","guessed":false,"end":"2026-03-23T09:49:04.862000+08:00","text":"主委，我真的很想知道，到底我們有沒有可能有新的、有一種金融科技的新發展藍圖的可能性，否則的話又會一團亂，你的藍圖會變成糨糊啦！","quality":0.93},{"speaker":"郭委員國文","start":"2026-03-23T09:49:09.588000+08:00","guessed":false,"end":"2026-03-23T09:49:12.791000+08:00","text":"主委，這是本席擔心的地方，要先跟你討論這個部分。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:49:13.592000+08:00","guessed":false,"end":"2026-03-23T09:49:26.123000+08:00","text":"謝謝委員提出一個非常複雜的問題，因為剛剛提到這幾種業態的過程不是一次同時出現，它是一個因為市場環境而逐一發生的結果。","quality":0.945},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:49:26.764000+08:00","guessed":false,"end":"2026-03-23T09:49:36.395000+08:00","text":"再來，其實我過去在長期研究金融科技，我在學校的時候大概……其實臺灣特殊的法制結構是一個很關鍵的原因啦！","quality":0.957},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:49:37.376000+08:00","guessed":false,"end":"2026-03-23T09:50:06.265000+08:00","text":"比如說過去我們任何一個執照都必須要有一個法律來支撐，例如說銀行法，你要做銀行的業務必須拿到它的執照；除非你要做它部分業務，你還是要拿到一個銀行的執照，那只好不斷地分化出其他的，比如小額匯兌或電子支付，這件事情等於說我們是從既有的市場切出一塊，針對未來的演進需要，它只專做這一小塊，我們給它一個執照，它一開始就居於是比較劣勢，我想當然這是我們的法制……","quality":0.87},{"speaker":"郭委員國文","start":"2026-03-23T09:50:06.265000+08:00","guessed":true,"end":"2026-03-23T09:50:08.607000+08:00","text":"對，沒有錯啊！","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:50:08.607000+08:00","guessed":false,"end":"2026-03-23T09:50:20.751000+08:00","text":"我們沒辦法像其他國家，比如他的法制是很有彈性，我直接給你一個新的業態去經營，這也是我們觀察到的一個問題。","quality":0.979},{"speaker":"郭委員國文","start":"2026-03-23T09:50:20.751000+08:00","guessed":false,"end":"2026-03-23T09:51:09.252000+08:00","text":"主委，確實我們先天上是有一些限制，但是所有類似這種金融科技商品都是先有市場才有法制，但是臺灣根本上是overbanking的問題，我們本來銀行就太多，銀行就是要搶業務，結果就搶到電子支付，電子支付又搶到小額匯兌，所以大家撐不下去的時候就想方設法，未來會變成一團大亂，因為有市場在轉入法制的過程當中，主委，您的角色就很重要，你要如何宏觀調控金融科技產業發展的路徑藍圖，我是希望在你這一任當中有屬於你的架構藍圖出來，能夠在分流的前提健全之後再考慮合流，而不是分了之後，現在變成亂流，而且是以大吃小的狀況，我講的這個現狀，你不否認吧？","quality":0.963},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:51:12.395000+08:00","guessed":false,"end":"2026-03-23T09:51:15.258000+08:00","text":"沒有，我想其實還是有一點差異啦！","quality":0.929},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:51:15.758000+08:00","guessed":false,"end":"2026-03-23T09:51:22.664000+08:00","text":"我覺得委員看到的是一個現象，確實是這樣，我剛才講過，它如果是同時發展的話，當然他們各自已經有……","quality":0.833},{"speaker":"郭委員國文","start":"2026-03-23T09:51:22.704000+08:00","guessed":false,"end":"2026-03-23T09:51:30.190000+08:00","text":"沒有、沒有，這現實上不可能同時發展嘛，主委，因為現實上不可能同時發展、同時進入市場，我就再舉更小的例子給你聽。","quality":0.958},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:51:30.310000+08:00","guessed":false,"end":"2026-03-23T09:51:33.373000+08:00","text":"我只是說這是它過去歷史因素所導致的，基礎本來就不太一樣。","quality":0.731},{"speaker":"郭委員國文","start":"2026-03-23T09:51:33.553000+08:00","guessed":false,"end":"2026-03-23T09:51:37.116000+08:00","text":"對，所以我們怎麼樣事後在一個timing點用制度來做調整？","quality":0.852},{"speaker":"郭委員國文","start":"2026-03-23T09:51:37.716000+08:00","guessed":false,"end":"2026-03-23T09:51:56.750000+08:00","text":"我的意思是，現在電子支付的第三項業務都可以辦理國內外的小額匯兌，這寫得很清楚，可是它的發展方向不是針對國人或者外國旅客，它反而要跳過去已經做好的那兩家，去搶它的業務，那不是更亂？","quality":0.841},{"speaker":"郭委員國文","start":"2026-03-23T09:51:56.750000+08:00","guessed":false,"end":"2026-03-23T09:52:01.973000+08:00","text":"搶下去之後就亂殺價，這種生存的空間就越差，我舉的是這個例子。","quality":0.963},{"speaker":"郭委員國文","start":"2026-03-23T09:52:03.874000+08:00","guessed":false,"end":"2026-03-23T09:52:44.848000+08:00","text":"我們再回顧到剛剛講的，日本開放VASP的狀況，日本在開放VASP虛擬資產的牌照過程當中，很重要的是：第一個，除了交易之外；第二個，是第一種金商法業，也就是所謂槓桿交易跟衍生性商品；另外，他們也因為市場後制度的情況底下，他們連電子支付都可以做，甚至後來還可以去成立所謂的網路銀行，用銀行來發行穩定幣，也就是它會變成一個比較健全的金融科技業者，可是我覺得看不出臺灣現在有這種可能性。","quality":0.902},{"speaker":"郭委員國文","start":"2026-03-23T09:52:46.429000+08:00","guessed":false,"end":"2026-03-23T09:53:19.166000+08:00","text":"不只如此，主委，依照我們條文當中的精神，比照日本那個部分，前年我們去考察的時候，他們因為趨嚴之後，把整個交易量從30%降到5%，我們本來交易量就很少，如果按照我們這種方式的話，就是採取一個相對穩健，當然也算是保守，在我們不想出事情的情況底下，這種分階段的處理，先通過母法再通過子法，然後再發照、再輔導上路，這都不知道要多久了，這是第一個部分。","quality":0.893},{"speaker":"郭委員國文","start":"2026-03-23T09:53:20.766000+08:00","guessed":false,"end":"2026-03-23T09:54:02.101000+08:00","text":"第二個在收入面部分，就只有維持交易而已、簡單的買賣交易而已，還沒有衍生性的商品；第二個，成本又把它拉高，你要到5億，然後內稽、內控又要加嚴，又雷同於特許行業，這種情況底下，也就是我們看到在學習日本的過程當中，日本進了我們跟著進，日本不進了我們也在進，這種情況底下，基本上臺灣的虛擬資產業者所面對的困難性會更加地嚴酷。","quality":0.936},{"speaker":"郭委員國文","start":"2026-03-23T09:54:03.002000+08:00","guessed":false,"end":"2026-03-23T09:54:16.492000+08:00","text":"所以接下來很重要的關鍵，目前在8家當中真正有比較大額營業額的只有3家，到底會維持幾家？","quality":0.842},{"speaker":"郭委員國文","start":"2026-03-23T09:54:17.613000+08:00","guessed":false,"end":"2026-03-23T09:54:25.798000+08:00","text":"老實講，我個人抱持著相當大的懷疑，相當大的懷疑是如何去銜接這個產業？","quality":0.839},{"speaker":"郭委員國文","start":"2026-03-23T09:54:25.798000+08:00","guessed":false,"end":"2026-03-23T09:54:26.719000+08:00","text":"你要如何去看待它？","quality":1},{"speaker":"郭委員國文","start":"2026-03-23T09:54:27.219000+08:00","guessed":false,"end":"2026-03-23T09:54:43.268000+08:00","text":"也就是在第二個部分的可能性怎麼樣，以及將來在分流健康情況底下，再過一段時間以後，在一個大的趨勢當中，合流的可能性就要有賴於主委的智慧跟判斷，還有政策的形成啦！","quality":0.877},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:54:46.584000+08:00","guessed":false,"end":"2026-03-23T09:55:01.734000+08:00","text":"是，剛剛委員提到有一點，我們對虛擬資產服務業者，其實我們並不是有專法、子法才開始做，其實這一次跟過去不同，是很特別的作法，我們是已經有這個行業了，我們才開始做專法，所以各位注意看，奇怪，我們專法都沒通過，為什麼市場已經有8家？","quality":0.879},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:55:02.395000+08:00","guessed":false,"end":"2026-03-23T09:55:29.176000+08:00","text":"其實這已經做了非常大的彈性，而且已經順應整個作法，不過剛剛委員提到各個國家確實有些可以值得參考，但是就像我長期研究金融制度所以就知道，任何一個制度的產生不是憑空出來，跟它的整個歷史因素有很大的關係，我們的歷史不一樣，不過他做出來的東西未來確實可以讓我們做參考，比如剛才講的各個業態，我們所能做的當然不一樣，但是我覺得好的地方，我們可以來研究。","quality":0.937},{"speaker":"郭委員國文","start":"2026-03-23T09:55:29.537000+08:00","guessed":false,"end":"2026-03-23T09:55:32.521000+08:00","text":"是啊，本席就在跟你對話這個，我不是照抄啊！當然。","quality":1},{"speaker":"郭委員國文","start":"2026-03-23T09:55:32.701000+08:00","guessed":false,"end":"2026-03-23T09:55:38.449000+08:00","text":"我是說我看到一些大的狀況，而我們的狀況是如此，你也不否定我剛剛的觀察嘛？對。","quality":0.912},{"speaker":"郭委員國文","start":"2026-03-23T09:55:39.050000+08:00","guessed":false,"end":"2026-03-23T09:55:48.860000+08:00","text":"所以在不否定的情況底下，是不是再做一些大跟小之間的區隔，以及分流之間的培養？","quality":0.971},{"speaker":"郭委員國文","start":"2026-03-23T09:55:48.860000+08:00","guessed":false,"end":"2026-03-23T09:56:07.347000+08:00","text":"就是有一點育成的概念，讓他們在沙盒實驗能夠更加茁壯的情況底下，你已經放出去，等於是沙盒已經完成的情況底下，讓他更茁壯之後，考慮到未來有合流的可能性，我覺得這或許是對臺灣整個金融科技業者比較好的發展路徑，這是本席跟你對話的關鍵地方。","quality":0.953},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:56:09.809000+08:00","guessed":false,"end":"2026-03-23T09:56:15.274000+08:00","text":"沒錯，剛剛委員提到一個概念，任何一個政府開放一個行業，都希望這行業能夠發展起來。是。","quality":0.892},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:56:15.614000+08:00","guessed":false,"end":"2026-03-23T09:56:23.361000+08:00","text":"否則它乾脆就不要開放，但是開放了以後，它自己的經營能力跟在市場能不能存活，又是另外一個殘酷的……","quality":0.86},{"speaker":"郭委員國文","start":"2026-03-23T09:56:23.842000+08:00","guessed":false,"end":"2026-03-23T09:56:40.592000+08:00","text":"對，市場是一回事，但制度也產生影響，它會造成生態的不一樣，或者是我們現在討論制度的時候，有些委員的版本硬梆梆的，就定在母法當中，六個月就應該給它核准，但有些應該放在子法，就不應該放在母法，不是嗎？","quality":0.966},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:56:40.592000+08:00","guessed":false,"end":"2026-03-23T09:56:40.872000+08:00","text":"那當然。","quality":1},{"speaker":"郭委員國文","start":"2026-03-23T09:56:41.312000+08:00","guessed":false,"end":"2026-03-23T09:56:44.433000+08:00","text":"它有一定的tempo要去處理的嘛，對不對？沒錯。","quality":0.857},{"speaker":"郭委員國文","start":"2026-03-23T09:56:44.433000+08:00","guessed":false,"end":"2026-03-23T09:56:58.138000+08:00","text":"所以我是覺得，主委，接下來在討論這部法的過程當中，我請你回去再稍微釐清到底我們的金融科技業的路徑要怎麼發展，我期待你提出您的3.0版本，謝謝主委。","quality":0.985},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:56:58.158000+08:00","guessed":false,"end":"2026-03-23T09:56:58.278000+08:00","text":"謝謝委員的指導，謝謝。","quality":1},{"speaker":"主席","start":"2026-03-23T09:56:58.778000+08:00","guessed":true,"end":"2026-03-23T09:57:03.349429+08:00","text":"謝謝，我們結束第4位郭國文委員的質詢。","quality":0},{"speaker":"主席","start":"2026-03-23T09:57:03.649429+08:00","guessed":true,"end":"2026-03-23T09:57:06.220857+08:00","text":"接下來請賴惠員委員。","quality":0}]}},"supported_relations":[],"relations":[]}