{"error":false,"id":["167758"],"data":{"IVOD_ID":167758,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/167758","日期":"2026-03-23","會議資料":{"會議代碼":"委員會-11-5-20-4","會議代碼:str":"第11屆第5會期財政委員會第4次全體委員會議","屆":11,"會期":5,"會次":4,"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4次全體委員會議"},"影片種類":"Clip","開始時間":"2026-03-23T09:57:06+08:00","結束時間":"2026-03-23T10:09:11+08:00","影片長度":"00:12:05","支援功能":["ai-transcript","gazette"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/fac85a1267872a8ab0b98be9a4b1d940e6927793779d72c5c20d8b31dcd6c605c9a64353dbdea2ca5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"賴惠員","委員發言時間":"09:57:06 - 10:09:11","會議時間":"2026-03-23T09:00:00+08:00","會議名稱":"立法院第11屆第5會期財政委員會第4次全體委員會議（事由：審查本院台灣民眾黨黨團、委員林思銘等21人分別擬具「虛擬資產服務法草案」等2案。（僅詢答））","transcript":{"pyannote":[{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":0.03096875,"end":0.9590937500000001,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":6.59534375,"end":8.907218750000002,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":13.716593750000001,"end":14.20596875,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":14.610968750000001,"end":14.94846875,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":15.606593750000002,"end":18.17159375,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":16.21409375,"end":16.63596875,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":19.403468750000002,"end":19.89284375,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":20.80409375,"end":21.85034375,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":22.54221875,"end":22.67721875,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":26.18721875,"end":26.676593750000002,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":28.33034375,"end":54.55409375,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":54.73971875,"end":57.13596875,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":57.27096875,"end":57.844718750000006,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":58.30034375,"end":62.51909375,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":62.83971875,"end":74.04471875,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":74.19659375,"end":74.24721875,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":74.28096875,"end":77.47034375,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":77.84159375,"end":79.76534375,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":80.72721875,"end":85.82346875,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":86.21159375,"end":95.00346875000001,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":95.13846875,"end":103.23846875000001,"speaker_score":0.951},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":103.27221875000001,"end":106.86659375,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":107.38971875,"end":108.82409375,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":107.42346875000001,"end":109.34721875000001,"speaker_score":0.951},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":109.54971875000001,"end":111.15284375,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":109.60034375000001,"end":110.14034375000001,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":111.69284375000001,"end":113.32971875000001,"speaker_score":0.951},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":113.97096875000001,"end":119.10096875,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":120.38346875,"end":125.15909375000001,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":124.68659375000001,"end":135.65534375000001,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":135.89159375,"end":160.88346875000002,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":161.11971875,"end":178.28159375,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":178.77096875,"end":182.17971875,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":182.36534375000002,"end":206.74971875,"speaker_score":0.951},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":206.88471875000002,"end":211.23846875,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":210.22596875000002,"end":210.47909375,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":210.51284375,"end":235.11659375000002,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":235.45409375000003,"end":305.08034375,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":305.09721875,"end":351.52034375,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":351.87471875,"end":365.59409375,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":360.63284375,"end":360.68346875000003,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":365.81346875,"end":368.14221875000004,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":368.36159375,"end":368.74971875,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":368.59784375000004,"end":373.96409375,"speaker_score":0.951},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":374.33534375000005,"end":377.22096875,"speaker_score":0.951},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":377.74409375000005,"end":390.75471875000005,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":390.43409375000005,"end":400.35659375,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":400.60971875,"end":439.92846875000004,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":403.15784375000004,"end":403.74846875000003,"speaker_score":0.951},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":403.96784375000004,"end":404.05221875,"speaker_score":0.951},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":435.70971875000004,"end":436.03034375000004,"speaker_score":0.951},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":436.94159375000004,"end":437.04284375000003,"speaker_score":0.951},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":437.17784375,"end":437.21159375,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":441.22784375000003,"end":469.10534375000003,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":469.34159375,"end":490.95846875,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":490.95846875,"end":493.33784375000005,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":493.47284375000004,"end":498.04596875000004,"speaker_score":0.951},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":498.11346875000004,"end":513.9253437500001,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":513.87471875,"end":517.19909375,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":517.7053437500001,"end":526.48034375,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":525.8728437500001,"end":533.24721875,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":527.1384687500001,"end":527.6953437500001,"speaker_score":0.947},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":533.28096875,"end":547.7934687500001,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":547.97909375,"end":559.23471875,"speaker_score":0.951},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":559.4540937500001,"end":565.3772187500001,"speaker_score":0.951},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":565.86659375,"end":572.07659375,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":571.23284375,"end":586.7747187500001,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":572.9709687500001,"end":573.32534375,"speaker_score":0.951},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":580.48034375,"end":580.8515937500001,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":586.97721875,"end":587.0278437500001,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":587.0278437500001,"end":587.12909375,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":587.12909375,"end":589.1540937500001,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":587.3147187500001,"end":588.20909375,"speaker_score":0.951},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":588.7490937499999,"end":593.13659375,"speaker_score":0.951},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":593.7947187500001,"end":598.7222187500001,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":600.30846875,"end":601.1015937500001,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":601.00034375,"end":604.13909375,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":604.25721875,"end":634.22721875,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":634.63221875,"end":646.14096875,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":646.59659375,"end":687.67034375,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":687.8559687500001,"end":690.75846875,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":690.75846875,"end":694.25159375,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":694.43721875,"end":698.2847187500001,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":698.60534375,"end":708.34221875,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":708.34221875,"end":713.94471875,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":714.82221875,"end":715.88534375,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":715.88534375,"end":717.04971875,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":716.62784375,"end":717.6572187500001,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":717.5390937500001,"end":721.1672187500001,"speaker_score":0.951},{"speaker":"SPEAKER_01","speaker_name":"賴委員惠員","start":721.25159375,"end":725.65596875,"speaker_score":0.947},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":722.6184687500001,"end":723.0065937500001,"speaker_score":0.951}],"whisperx":[{"start":0.089,"end":26.378,"text":"委員 委員謝謝主席有請金管會主委主委早安主委早安我想連續兩週等一下暫停一下暫停一下我的"},{"start":28.376,"end":56.85,"text":"好 主委連續兩週就是說我們都在提這個虛擬貨幣這一個專華我想大家都很關心這一個專華那事實上就是說歐美國家對虛擬貨幣的管理其實他們已經逐漸上了軌道那越來越興盛那我在這裡頭全球十大那個就是他的十大虛擬貨幣這些那個交易所列在這個地方"},{"start":59.272,"end":79.145,"text":"每天他就有71兆的業績這十家裡頭只有兩家其實他在我們國內設有辦公室設有辦公室倒是我要特別跟主委請教一下台灣現在有多少人持有加密筆就是你所有的資料裡頭"},{"start":80.942,"end":106.562,"text":"現在我們沒有比較確切的統計大概5到10%左右5到10%左右你這一個5到10%是用2300萬還是1300萬的在股市裡頭不是因為我們主要是我們那個那個虛擬資產服務工會他本質上有對他客戶做一些統計我記得待會請棋局大概一百萬左右的人"},{"start":107.455,"end":135.205,"text":"一百萬還是兩百萬我的數字裡頭超一百萬左右的開戶數一百萬的開戶數在我們國內的這些VASP業者裡面開戶我想主委一百萬還是兩百萬這個未來是因為有些事可能是在境外但是他在比如說他在國內的VASP因為我們所能掌控的就是國內的業者這些合規的業者裡面所承包的數字"},{"start":136.625,"end":160.435,"text":"我們看到一個新加坡的貨幣商他有公佈在2023的時候他公佈就是台灣持有加密幣的人口是57萬那他在這一份報告裡頭他有特別講到了全世界就是印度印度是最多人然後在中國在美國那台灣投入新貨幣交易的人口其實並不多"},{"start":161.415,"end":177.905,"text":"並不多不管是57萬還是100萬裡頭其實他在全球排名才第51名那這樣的一個排名諸位你認為是什麼樣的一個原因讓這個投資的人口其實沒有像全世界是就是"},{"start":178.846,"end":197.722,"text":"在這個加密幣的一個市場裡頭這麼興盛其實我覺得在這個發展的初期去比如說去搶這個排名本質上意義不到我們是怎麼樣管好這個市場以後因為以剛剛委員提到那個金額假設未來它會發展起來它相較現在金融市場還是非常的小"},{"start":199.623,"end":216.373,"text":"我們過去有我們自己的法治結構當然本來就不是一個要跟世界上爭前面第一名但是我們希望把這個結構基礎把它做得穩當我現在的意思是說我在提醒你就是說這個排序只是我們一個參考"},{"start":217.193,"end":232.481,"text":"可是它在未來它有可能等一下在下面我會再跟你做一個探討它越來越多人我們看到一個2022年11月當時候全球第二大的一個加密貨幣交易所"},{"start":235.623,"end":252.07,"text":"那個FTX這個宣布破產了以後台灣也受傷了非常的嚴重在這裡我們投資的人口就越來越多了這個為什麼會超過30萬甚至它損失的美金是4億那受影響"},{"start":252.87,"end":276.66,"text":"受影響那個排序就在第七樓那這個事件其實它有一個很精準的一個數字這個事件反映出來的就是什麼就是我們政府對這個虛擬貨幣的一個監管的不確定性我們簽署具體的一個虛擬貨幣的一個政策跟消費者的一個權益保障其實這個也是一直民眾對投資那個數位貨幣的那個"},{"start":280.322,"end":307.331,"text":"信心不足可是兩年過去了兩年過去了那我們美國加密幣監管正式進入了一個規範體系化的一個時代在上一週上一週3月17號3月17號就是說我們的美國證券交易那個委員會還有那個商品期貨交易委員會裡頭他聯合發布了一個68頁官方的解釋文件"},{"start":308.191,"end":330.86,"text":"那也等於是我想那個主委你非常的清楚那媒體的報導就是說美國政府正式就是說以執法代替監管的一個模式那甚至他把就是這幾個就是前16個主流的貨幣他把電線為數字的一個大宗商品"},{"start":331.48,"end":351.096,"text":"排除就是很明確的排除就是一個證件的一個屬性同時他也敲定了就是挖礦還有質押還有空投這個是三大核心為合法合規那就經管會的一個研議這一份解釋性的文件跟我們監管的一個方向有沒有較大的一個差異"},{"start":351.937,"end":376.928,"text":"我想美國從去年應該講從川普上任以後不斷的釋出對這個虛擬幣友好的措施這是其中之一啦其實台灣我剛才講過就是我們整個也緊跟著國際上的趨勢但是我們會更審慎因為台灣的國情不同我們台灣對整個制度的這個信任的這些的選擇也不太一樣所以我的意思是說這部分"},{"start":377.808,"end":406.812,"text":"我們對這個市場我還是以審慎友好態度並沒有改變但是美國呢或是其他任何一個國家他一些的措施我們都嚴密的去觀察他的結果是如何我們再來看看所以我們看得到川普其實他是不斷的在那個挹注那個虛擬貨幣的一個聲勢甚至我們也看到他推出那個他的總統夫人那個梅尼亞幣的一個紀念幣其實兩年過去了民眾的投資信心回來了"},{"start":407.372,"end":426.249,"text":"可是現在就是要跟金管會討論的就是說之前是無法可管現在有法可以管那管得到嗎那虛擬貨幣的專法至少我覺得建議主委應該處理三大問題就是說我們業者的營運的一個監理"},{"start":428.712,"end":439.332,"text":"這個對我們來講我們期待這三個關鍵還有防炸防盜還有投資風險的一個揭露這個都是非常重要的那特別特別就是說"},{"start":441.294,"end":468.812,"text":"我這裡要請教那個主委就是在這個FTX倒閉的事件的關鍵的三個原因我們把它整理出來就是資金流動性的一個不足資金管理的一個不善還有就是過度依賴那個FTT的代幣那主委可以不可以清楚的回答我這三個問題在金管會的草案的版本裡頭哪一條條文可以管它"},{"start":470.292,"end":492.862,"text":"對 這個其實任何一個過去的案例就告訴我們在過去沒有納管的時代會發生這些問題比如說剛才講的資金流動性不足像我們就看到比如他的資產本身他沒有做隔離而且他在存取的時候並沒有做比如說這個保護像我們的我們現在的草案裡面就規定他的資產你保管客戶全部都要信託那會在不動產上面嗎"},{"start":493.482,"end":516.971,"text":"沒有就等於說他今天保管資產全部信託的話基本上就像上次比如說我們這個當他發生問題的時候就隔離保護了再來就是說你不可以去動用客戶的資產像剛才這個案例裡面他就把客戶轉成是一個沒有價值的幣那到最後擠兌當然就沒有這個問題這個未來在整個高度監管下是不會發生這個事情那你的條文裡頭哪一條是用來就是"},{"start":517.951,"end":532.942,"text":"處理如果是倒閉事件的話你可以就是用這樣的管理沒有關係你在會後那個提供給本席就剛才跟委員報告了就剛才我們的資產隔離還有像比如說我們的信託這些都是一個保護的機制"},{"start":533.322,"end":552.925,"text":"好那我再請教一下就是我們虛擬資產服務法就是業者的營運的問題那服務商必須要有資本額那這個營業保險金這個你是怎麼要求的這個保證金基本上如果說我們所有金融業也都有這個制度"},{"start":553.846,"end":572.666,"text":"比如說我們的資本合會有一個最低資本的限制那你在營業之前要繳交一定比例的保證金這些東西就因應未來比如說你今天真的是停業的時候你也開始要清算這些東西都必須要有這些的保證那這部分也是保障營業安全很重要的機制你沒有回答我啦"},{"start":573.246,"end":598.539,"text":"那我想沒有關係反正這一部專法的執法因為我們還在研議中那特別要請教你就是說母法通過了以後半年可以不可以上路這個是很重要的一個問題我們其實現在所有執法都在準備中我們的目標而且我們的我們法治架構上的要求就是在這個半年之內要完成這些所有的事情"},{"start":601.554,"end":627.33,"text":"法律通過以後我們半年內必須要完成這些事情好那在特別就是虛擬資產服務法裡頭的資安跟保密的問題特別跟那個主委提到了就是說這個14條第二項有關那個資通系統的安全管理制度跟17條的保密事項其實很清楚就是說他希望帳號帳號被偷了錢就不見了那有"},{"start":627.83,"end":645.593,"text":"更好的一個規定就是說你在把那個虛擬貨幣跟那個帳號是分開的這個是確定的嗎對就是說今天來講的話這個資安的程序是保管剛剛講比如說我們對現在對冷熱錢包的比例就已經有規範了這些都是未來我們會納入執法裡面規範"},{"start":647.07,"end":671.327,"text":"最後我想時間有限我再特別跟金管威要求嚴明下面的事項請金管威順便回答我就是美國政府發布的編號3311412這個檢要的研究報告提供給本席然後提供給國內虛擬貨幣交易所的交易情況這個做得出來嗎可以對虛擬貨幣交易人進行適當的風險的示警跟宣傳跟宣導"},{"start":676.351,"end":697.839,"text":"我們也要求業者應該肩負合理的風險的那個揭露的一個義務那鼓勵境外交易所落地在台灣這個有機會做到嗎我們法規裡面就有這個規定所以我們會建立一個消費者跨境申訴的一個管道這部分還要再研議因為這畢竟跨境不是我們單方面可以決定的"},{"start":698.666,"end":722.872,"text":"那像我們的處境這麼困難我們國家的儲錢那個處境這麼困難的話所以跨境申訴的管道我們還需要就是在申部的研擬嗎當然是因為我們只對金融機構但是這牽涉到犯罪還有很多各個部會跟國際的合作有在準備申部的準備我們法條裡面就有一條我們要進行所謂的國際合作的條文好謝謝主委謝謝主席"}],"gazette":[{"speaker":"賴委員惠員","start":"2026-03-23T09:57:12.991000+08:00","guessed":false,"end":"2026-03-23T09:57:13.171000+08:00","text":"謝謝主席。","quality":1},{"speaker":"賴委員惠員","start":"2026-03-23T09:57:13.452000+08:00","guessed":false,"end":"2026-03-23T09:57:14.672000+08:00","text":"有請金管會主委。","quality":1},{"speaker":"主席","start":"2026-03-23T09:57:14.672000+08:00","guessed":true,"end":"2026-03-23T09:57:17.213000+08:00","text":"請主委。","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:57:17.213000+08:00","guessed":true,"end":"2026-03-23T09:57:19.754000+08:00","text":"委員早安。","quality":0},{"speaker":"賴委員惠員","start":"2026-03-23T09:57:19.754000+08:00","guessed":false,"end":"2026-03-23T09:57:20.634000+08:00","text":"主委早安。","quality":1},{"speaker":"賴委員惠員","start":"2026-03-23T09:57:21.694000+08:00","guessed":false,"end":"2026-03-23T09:58:23.084000+08:00","text":"主委，連續兩週我們都在討論虛擬貨幣的專法，我想大家都很關心這個專法，事實上，歐美國家對虛擬貨幣的管理，其實他們已經逐漸上了軌道，也越來越興盛，我列出全球十大虛擬貨幣交易所，每天就有71兆的業績，這十家裡頭只有兩家在我們國內設有辦公室，倒是我要特別跟主委請教一下，臺灣現在有多少人持有加密幣？","quality":0.931},{"speaker":"賴委員惠員","start":"2026-03-23T09:58:23.965000+08:00","guessed":false,"end":"2026-03-23T09:58:25.145000+08:00","text":"就是在你所有的資料裡頭。","quality":0.909},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:58:26.942000+08:00","guessed":false,"end":"2026-03-23T09:58:31.626000+08:00","text":"現在我們沒有比較確切的統計，大概5到10%左右。","quality":1},{"speaker":"賴委員惠員","start":"2026-03-23T09:58:34.288000+08:00","guessed":false,"end":"2026-03-23T09:58:41.173000+08:00","text":"你這個5到10%，在股市裡頭是用2,300萬？","quality":0.714},{"speaker":"賴委員惠員","start":"2026-03-23T09:58:41.173000+08:00","guessed":true,"end":"2026-03-23T09:58:42.173000+08:00","text":"還是1,300萬？","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:58:41.173000+08:00","guessed":false,"end":"2026-03-23T09:58:49.439000+08:00","text":"不是，主要是虛擬資產服務的公會本質上有對客戶做一些統計。對。","quality":0.889},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:58:49.439000+08:00","guessed":false,"end":"2026-03-23T09:58:51.961000+08:00","text":"待會請證期局說明，我記得開戶數大概是100萬左右。","quality":0.4},{"speaker":"賴委員惠員","start":"2026-03-23T09:58:54.075000+08:00","guessed":false,"end":"2026-03-23T09:58:55.776000+08:00","text":"100萬還是200萬？","quality":1},{"speaker":"賴委員惠員","start":"2026-03-23T09:58:55.776000+08:00","guessed":false,"end":"2026-03-23T09:58:57.777000+08:00","text":"我的數字裡頭……","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:58:58.417000+08:00","guessed":false,"end":"2026-03-23T09:59:00.037000+08:00","text":"差不多100萬左右的開戶數。","quality":0.7},{"speaker":"賴委員惠員","start":"2026-03-23T09:59:00.457000+08:00","guessed":false,"end":"2026-03-23T09:59:01.258000+08:00","text":"100萬的開戶數？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:59:01.258000+08:00","guessed":false,"end":"2026-03-23T09:59:06.420000+08:00","text":"對，在我們國內的VASP業者裡面開戶。","quality":0.941},{"speaker":"賴委員惠員","start":"2026-03-23T09:59:06.700000+08:00","guessed":false,"end":"2026-03-23T09:59:10.061000+08:00","text":"主委，到底是100萬還是200萬？","quality":0.667},{"speaker":"賴委員惠員","start":"2026-03-23T09:59:10.061000+08:00","guessed":false,"end":"2026-03-23T09:59:10.601000+08:00","text":"未來這是一個……","quality":0.5},{"speaker":"彭主任委員金隆","start":"2026-03-23T09:59:10.721000+08:00","guessed":false,"end":"2026-03-23T09:59:21.185000+08:00","text":"因為它有些可能是在境外，比如說它在國內的VASP，因為我們所能掌控的就是國內的業者，這些合規業者裡面所呈報的數字。","quality":0.925},{"speaker":"賴委員惠員","start":"2026-03-23T09:59:22.625000+08:00","guessed":false,"end":"2026-03-23T10:00:07.929000+08:00","text":"好，我們看到新加坡的貨幣商有公布，在2023年的時候公布臺灣持有加密幣的人口是57萬，在這一份報告裡頭有特別講到，全世界印度是最多人，再來中國、再來美國，臺灣投入虛擬貨幣交易的人口其實並不多，不管是57萬還是100萬，其實在全球排名才第51名，對於這樣的排名，主委認為是什麼樣原因讓投資人口沒有像全世界在加密幣市場這麼興盛？","quality":0.898},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:00:08.629000+08:00","guessed":false,"end":"2026-03-23T10:00:36.709000+08:00","text":"其實我覺得在發展初期去搶這個排名本質上意義不大，關鍵是我們怎麼樣去管好這個市場，因為以剛才委員提到的那個金額，假設未來它會發展起來，相較於現在的金融市場還是非常的小，因為我們有自己的法制結構，當然本來就不是要跟世界上爭第1名，我們是希望把這個結構的基礎做得穩當。","quality":0.885},{"speaker":"賴委員惠員","start":"2026-03-23T10:00:36.709000+08:00","guessed":false,"end":"2026-03-23T10:00:49.556000+08:00","text":"主委，我現在的意思是在提醒你，這個排序只是我們一個參考，可是在未來有可能會越來越多人參與這個市場，等一下我會再跟你做一個探討。","quality":0.759},{"speaker":"賴委員惠員","start":"2026-03-23T10:00:53.018000+08:00","guessed":false,"end":"2026-03-23T10:01:26.293000+08:00","text":"我們看到2022年11月當時候全球第二大的加密貨幣交易所FTX宣布破產了以後，臺灣也受傷非常嚴重，這個部分我們投資的人口已經越來越多囉，受害者超過30萬人，損失金額超過4億美元，在受影響的國家中是第七，這其實是有一個很精準的數字。","quality":0.768},{"speaker":"賴委員惠員","start":"2026-03-23T10:01:27.054000+08:00","guessed":false,"end":"2026-03-23T10:01:29.075000+08:00","text":"這個事件反映出來的是什麼？","quality":1},{"speaker":"賴委員惠員","start":"2026-03-23T10:01:29.075000+08:00","guessed":false,"end":"2026-03-23T10:01:47.042000+08:00","text":"就是我們政府對虛擬貨幣監管的不確定性，以及缺乏具體的虛擬貨幣政策跟消費者權益保障，其實這也會造成民眾對投資數位貨幣的信心不足。","quality":0.883},{"speaker":"賴委員惠員","start":"2026-03-23T10:01:48.783000+08:00","guessed":false,"end":"2026-03-23T10:02:49.570000+08:00","text":"兩年過去了，美國加密幣監管正式進入規範體系化的時代，在上一週3月17號美國證券交易委員會與商品期貨交易委員會聯合發布了一個共計68頁的官方解釋性文件，我想主委非常的清楚，媒體的報導是說美國政府正式終結以執法代替監管模式，甚至他把前16個主流幣種定性為數字大宗商品，明確排除證券屬性，同時也敲定了挖礦、質押、空投三大核心行為合法合規。","quality":0.906},{"speaker":"賴委員惠員","start":"2026-03-23T10:02:50.231000+08:00","guessed":false,"end":"2026-03-23T10:02:57.096000+08:00","text":"就金管會的研議，這一份解釋性文件跟我們監管的方向有沒有較大的差異？","quality":0.968},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:02:57.937000+08:00","guessed":false,"end":"2026-03-23T10:03:36.318000+08:00","text":"我想美國從川普上任以後不斷地釋出對虛擬幣友好的措施，這是其中之一啦，其實臺灣，我剛才講過，我們整個也緊跟著國際上的趨勢，但是我們會更審慎，因為臺灣的國情不同，我們臺灣對整個制度的信任跟選擇也不太一樣，所以我的意思是說，我們對這個市場還是抱持審慎友好的態度並沒有改變，但是美國或是其他任何一個國家的一些措施，我們都嚴密地去觀察它的結果是如何，我們再來看看我們……","quality":0.94},{"speaker":"賴委員惠員","start":"2026-03-23T10:03:36.919000+08:00","guessed":false,"end":"2026-03-23T10:03:50.089000+08:00","text":"我們看到川普不斷地在挹注虛擬貨幣的聲勢，甚至我們也看到他為總統夫人推出梅妮亞紀念幣。","quality":0.875},{"speaker":"賴委員惠員","start":"2026-03-23T10:03:50.089000+08:00","guessed":false,"end":"2026-03-23T10:04:03.881000+08:00","text":"其實兩年過去了，民眾的投資信心回來了，現在要跟金管會討論的就是說，之前是無法可管，現在有法可管，但管得到嗎？","quality":0.979},{"speaker":"賴委員惠員","start":"2026-03-23T10:04:04.582000+08:00","guessed":false,"end":"2026-03-23T10:04:22.767000+08:00","text":"虛擬貨幣的專法，我建議主委至少應該要處理三大問題，對我們來講，我們是期待這三個關鍵，就是業者營運的監理、防詐及防盜還有投資風險的揭露，這些都是非常重要的。對。","quality":0.761},{"speaker":"賴委員惠員","start":"2026-03-23T10:04:24.050000+08:00","guessed":false,"end":"2026-03-23T10:04:44.845000+08:00","text":"我在這裡特別要跟主委探討的是，針對FTX倒閉事件，我們整理出了關鍵的三個原因，就是資金流動性不足、資金管理不善還有過度依賴FTT代幣。","quality":0.742},{"speaker":"賴委員惠員","start":"2026-03-23T10:04:45.626000+08:00","guessed":false,"end":"2026-03-23T10:04:54.792000+08:00","text":"主委，可不可以清楚的回答我，針對這三個問題，在金管會的草案版本裡有哪一條條文可以管它？","quality":0.923},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:04:56.292000+08:00","guessed":false,"end":"2026-03-23T10:05:17.341000+08:00","text":"其實任何一個過去的案例，就告訴我們過去沒有納管時所會發生的這些問題，比如說剛才講的資金流動性不足，我們就看到比如它的資產本身沒有做隔離，而且在存取的時候並沒有做保護，像我們現在的草案裡面就規定它的資產保管客戶全部都要信託。","quality":0.962},{"speaker":"賴委員惠員","start":"2026-03-23T10:05:17.341000+08:00","guessed":false,"end":"2026-03-23T10:05:18.862000+08:00","text":"那會在不動產上面嗎？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:05:19.482000+08:00","guessed":false,"end":"2026-03-23T10:05:27.005000+08:00","text":"沒有，就等於說它今天保管的資產全部信託的話，當它發生問題的時候就隔離保護了。","quality":0.914},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:05:27.365000+08:00","guessed":false,"end":"2026-03-23T10:05:39.830000+08:00","text":"再來就是不可以去動用客戶的資產，像剛才這個案例裡面，它就把客戶資產轉成是一個沒有價值的幣，到最後擠兌，當然就沒有這個問題，未來在整個高度監管下是不會發生這個事情的。","quality":0.947},{"speaker":"賴委員惠員","start":"2026-03-23T10:05:39.910000+08:00","guessed":false,"end":"2026-03-23T10:05:43.951000+08:00","text":"那你的條文裡頭哪一條是用來處理這個部分？","quality":0.789},{"speaker":"賴委員惠員","start":"2026-03-23T10:05:44.392000+08:00","guessed":false,"end":"2026-03-23T10:05:48.414000+08:00","text":"如果是倒閉事件的話，你可以用哪一條來管理？","quality":0.789},{"speaker":"賴委員惠員","start":"2026-03-23T10:05:48.554000+08:00","guessed":false,"end":"2026-03-23T10:05:51.436000+08:00","text":"沒有關係，你在會後提供給本席。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:05:51.877000+08:00","guessed":false,"end":"2026-03-23T10:05:58.922000+08:00","text":"對，就是剛才跟委員報告的，我們的資產隔離還有信託等等，這些都是一個保護的機制。","quality":0.857},{"speaker":"賴委員惠員","start":"2026-03-23T10:05:59.322000+08:00","guessed":false,"end":"2026-03-23T10:06:13.579000+08:00","text":"好，我再請教一下，虛擬資產服務法對應業者營運監理的部分，服務商必須要有資本額及營業保證金的部分，你是怎麼要求的？","quality":0.784},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:06:14.240000+08:00","guessed":false,"end":"2026-03-23T10:06:37.364000+08:00","text":"有關這個保證金，基本上我們所有金融業也都有這個制度，比如說我們的資本額會有一個最低資本額的限制，你在營業之前要繳交一定比例的保證金，這些東西就因應未來，比如說你今天真的停業了，你開始要清算這些東西了，都必須要有這些的保證，這部分也是保障營運安全很重要的機制。","quality":0.942},{"speaker":"賴委員惠員","start":"2026-03-23T10:06:37.605000+08:00","guessed":false,"end":"2026-03-23T10:06:52.413000+08:00","text":"主委，你沒有回答我啦，沒有關係，反正這一部專法的子法你們還在研議中，特別要請教你，母法通過之後半年可不可以上路？","quality":0.9},{"speaker":"賴委員惠員","start":"2026-03-23T10:06:53.613000+08:00","guessed":false,"end":"2026-03-23T10:06:55.194000+08:00","text":"這是很重要的一個問題。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:06:55.194000+08:00","guessed":false,"end":"2026-03-23T10:07:04.519000+08:00","text":"對，我們現在所有子法都在準備中，我們的目標，而且我們法制架構上的要求就是在半年之內要完成這些所有的事情。","quality":0.938},{"speaker":"賴委員惠員","start":"2026-03-23T10:07:04.519000+08:00","guessed":true,"end":"2026-03-23T10:07:07.554000+08:00","text":"半年內？","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:07:07.554000+08:00","guessed":false,"end":"2026-03-23T10:07:09.895000+08:00","text":"法律通過以後，我們半年內必須要完成這些事情。","quality":1},{"speaker":"賴委員惠員","start":"2026-03-23T10:07:10.275000+08:00","guessed":false,"end":"2026-03-23T10:07:40.939000+08:00","text":"好，再來是虛擬資產服務法裡頭的資安跟保密的問題，特別跟主委提到第十四條第二項有關資通系統的安全管理制度以及第十七條的保密事項，其實很清楚的就是說，如果帳號被偷了，錢就不見了，有更好的一個規定就是把虛擬貨幣跟帳號分開，這個是確定的嗎？","quality":0.88},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:07:40.939000+08:00","guessed":false,"end":"2026-03-23T10:07:51.593000+08:00","text":"對，以今天來講的話，這個資安的程序是保管，剛才提到比如說我們現在對冷熱錢包的比例就已經有規範了，這些都是未來我們會納入子法裡面規範的。","quality":0.903},{"speaker":"賴委員惠員","start":"2026-03-23T10:07:53.611000+08:00","guessed":false,"end":"2026-03-23T10:08:15.906000+08:00","text":"好，我的時間有限，最後我再特別跟金管會要求要研議以下事項，請金管會再以書面回答，就是將美國政府發布編號33-11412的簡要研析報告提供給本席，再來是提供國內虛擬貨幣交易所的交易情況統計，這個做得出來嗎？可以。","quality":0.742},{"speaker":"賴委員惠員","start":"2026-03-23T10:08:16.007000+08:00","guessed":false,"end":"2026-03-23T10:08:28.333000+08:00","text":"還有對虛擬貨幣交易人進行適當的風險示警跟宣導，並要求業者應該肩負起合理的風險揭露義務。","quality":0.902},{"speaker":"賴委員惠員","start":"2026-03-23T10:08:28.813000+08:00","guessed":false,"end":"2026-03-23T10:08:33.915000+08:00","text":"另外，鼓勵境外交易所落地臺灣，這個有機會做到嗎？","quality":0.905},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:08:33.915000+08:00","guessed":false,"end":"2026-03-23T10:08:36.416000+08:00","text":"我們法規裡面就有這個規定了。","quality":0.923},{"speaker":"賴委員惠員","start":"2026-03-23T10:08:36.836000+08:00","guessed":false,"end":"2026-03-23T10:08:40.017000+08:00","text":"所以我們會建立一個消費者跨境申訴管道？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:08:40.738000+08:00","guessed":false,"end":"2026-03-23T10:08:43.819000+08:00","text":"這部分還要再研議，因為畢竟跨境不是我們單方面可以決定的。","quality":1},{"speaker":"賴委員惠員","start":"2026-03-23T10:08:44.846000+08:00","guessed":false,"end":"2026-03-23T10:08:54.517000+08:00","text":"像我們的處境這麼困難，我們國家的主權處境這麼困難的話，跨境申訴的管道我們還需要再深度的研議嗎？","quality":0.864},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:08:54.517000+08:00","guessed":false,"end":"2026-03-23T10:08:59.682000+08:00","text":"當然是，因為我們只對金融機構，但是這牽涉到犯罪，還有很多各個部會跟國際的合作。","quality":1},{"speaker":"賴委員惠員","start":"2026-03-23T10:09:01.004000+08:00","guessed":false,"end":"2026-03-23T10:09:02.786000+08:00","text":"有在準備？當然。","quality":0.667},{"speaker":"賴委員惠員","start":"2026-03-23T10:09:03.126000+08:00","guessed":false,"end":"2026-03-23T10:09:03.626000+08:00","text":"深度的準備？","quality":0.6},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:09:03.626000+08:00","guessed":false,"end":"2026-03-23T10:09:06.990000+08:00","text":"我們的法條裡面就有一條規定是要進行所謂國際合作的條文。","quality":0.846},{"speaker":"賴委員惠員","start":"2026-03-23T10:09:07.350000+08:00","guessed":false,"end":"2026-03-23T10:09:08.291000+08:00","text":"好，謝謝。謝謝。","quality":0.6},{"speaker":"賴委員惠員","start":"2026-03-23T10:09:08.291000+08:00","guessed":false,"end":"2026-03-23T10:09:08.852000+08:00","text":"謝謝主委，謝謝主席。","quality":0.75},{"speaker":"主席","start":"2026-03-23T10:09:09.352000+08:00","guessed":true,"end":"2026-03-23T10:09:13.352000+08:00","text":"謝謝，我們結束賴惠員委員的質詢。","quality":0},{"speaker":"主席","start":"2026-03-23T10:09:13.652000+08:00","guessed":true,"end":"2026-03-23T10:09:16.223429+08:00","text":"接下來請賴士葆委員。","quality":0}]}},"supported_relations":[],"relations":[]}