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肉牛吃的這個酒糟對牠的這個各方面就對牠肉質也是相當好所以是金門未來可以發展的一個產業但是金門金門整體來講因為常常有時候農委會那邊農業部那邊常常會說大陸地區發生什麼牛節節啊或是什麼相關的什麼突發性的疫情就整個這個"},{"start":170.182,"end":179.65,"text":"整個產業就是全部比如說飼養肉牛就全部完全禁止輸到台灣地區來就整個禁止輸來台灣所以就造成飼養這個肉牛這個產業變得很不穩定所以這時候我覺得這個保險機制的介入其實是有必要的您看一下"},{"start":189.218,"end":216.762,"text":"那 鬧牛因為價值隨著牠生長階段牠的品種 牠一直有波動嘛那因為保險局沒有辦法精算牠的保費那 農民又覺得定額理賠沒有辦法如果牠養到很後來喔久昭牛的 像我們說和牛啊以後這個基本 基本上現在台灣的這個鬧牛就是現在很流行在外面吃那個就是 您吃過吧 那個 那個鍋有沒有就是新鮮的 生鮮的局長有吃過嗎"},{"start":219.748,"end":220.349,"text":"主委有吃過吧"},{"start":237.714,"end":260.116,"text":"就是現在溫體牛是蠻普遍的,這個產業在台灣現在是蠻蓬勃發展的金門沒有吃過金門沒有,全台灣你有去吃過吧?台灣各地都有,你們都很少吃牛肉喔?對那你看台南啊各地都溫體牛很多溫體牛現在全台到處都是這個產業其實慢慢在蓬勃發展因為溫體牛就是火鍋啊這類的蠻蓬勃發展"},{"start":261.317,"end":280.291,"text":"所以很多什麼標榜和牛啊是不是各地價格都蠻高的那這個肉牛產業我覺得基本是一個可以發展的這個產業那因為現在就是卡到說常常有時候會突然有一些疫情比如說牛結節或其他的這個疫情那這個造成的飼養的就是說如果有人要投入比較"},{"start":280.951,"end":302.726,"text":"有規模的投入的話會擔心嘛一頭牛有不少錢嘛那講幾百頭也是一損失就是在金門因為內需市場不大那養了後供應當地是如果要大規模市場只供應當地是不足一定要往台灣運嘛那台灣現在這個產業大概牧場是不容易有就慢慢沒有那所以事實上也很需要很需要這個溫體牛肉那金門之前養的話曾經有一陣子運到台灣來其實都還銷路不錯"},{"start":307.489,"end":308.653,"text":"那現在我們如果要擴大這個產業的話那現在就是"},{"start":312.728,"end":331.076,"text":"國內政府現在在做乳牛產業做得就是不錯因為有保障為了這個喝鮮奶所以有保障有一定的這個保險有一定的保險有相關的這個掛鉤那所以這個部分現在是不是這個部分可以請這個我們金管會這邊就協助跟農業部農業部因為這個農經保險嘛可以跟農經他有農經署嘛討論一下可以協助一下精算這個漏牛漏牛強制保險這個保費"},{"start":339.88,"end":349.527,"text":"比照乳牛嘛讓肉牛跟乳牛可以一樣享有這個商業保險的覆蓋那這個如果說有可行性的話對於基本以後發展產業那業者願意過去投資的話機會會大一些啦就是說"},{"start":353.171,"end":372.29,"text":"如果萬一損失的話,不至於全盤都沒有嗎?全軍覆沒各位報告因為這個不管是乳牛保險或是一些那個豬隻保險這都是農業部主政的但是如果說他需要我們商業保險的相關的協助的話我們會來協助農委會"},{"start":374.932,"end":398.618,"text":"好那這個是你是希望由農金署來主動那個嗎還是說你們來找他們來開會來討論一下這是農業部主政的保險我知道那我也可以請農金署主動聯絡你們嘛你們一起來討論這個因為這個農金署它本身的相關的有些強制因為保險局這邊對保險公司的這個相關的政策指導的力量會"},{"start":399.418,"end":419.763,"text":"商業保險的技術因為確實在過去我們很多地方我們跟農業部都做很多的合作那有需要的話委員來促成我們都會來那我也來跟農金署聯絡那農金署聯絡的話到時候你們是不是可以在一個月內或是多久內可以提供相關的金額我會主動聯絡他們跟你們聯絡我們看他的需求"},{"start":421.343,"end":436.173,"text":"我現在提的需求是希望比照這個乳牛這個部分那你們做的部分只是找相關的這個精算這個應該是保險局這邊的工作吧那個技術上協助跟經驗協助應該是沒問題好好那多久內你也主動一點沒關係我也會幫忙聯絡了"},{"start":438.091,"end":464.717,"text":"對 就是說當然那個期限假設農業部非常非常清楚他的需求還有就是假設以委員這樣為前提的話我們就請保安局回去跟公會你先主動跟這個公會啦你們這邊就是公會嘛那農金屬這邊你們也可以聯絡我也會幫忙聯絡好不好我們雙管齊下對對 專注這個部分喔盡快是不是在現在是三月底了嘛看四月底五月底都可以給我們一個答案好不好至少有個初步我們要往前推啦"},{"start":465.799,"end":484.571,"text":"我想我們就先初步的一些的評估方式先提供給政策嘛主要還是政策問題嘛不一定是補助因為保險是有費率問題嘛他如果飼養這個產業他有一定的收益他也願意付一定的這個保費因為政治保險跟商業保險思維是很大的不同我知道我知道沒關係你們就從你們也可以從商業保險下去考慮啦好嗎"},{"start":486.192,"end":510.737,"text":"好 謝謝 那下一題就主委了這個虛擬資產專法這個部分我想金門可以扮演一定的角色這個有關金融創新 離島的區塊鏈的這個部分來 您看為什麼金門是一個很適合的測試地就是說這跟之前我們前一陣子上次我們不是有提嗎很多東西金門 因為金門這個做了一個這個"},{"start":512.878,"end":529.287,"text":"一個比較小的島然後比較容易實驗的這個地區那只要政策願意開放的話作為這個虛擬資產專法的前瞻實驗區利用專法現在草案裡頭所提到的創新實驗機制每一個版本都有第四條就是可以讓我們金門發揮這個區域的優勢那尋找我們金門這個經濟的這個新動人那你看就是突破穩定幣銀行壟斷的這個區域實驗您看一下現在就是說"},{"start":540.533,"end":561.741,"text":"這個專法傾向就是讓金融機構發行穩定幣吧然後如果在金門可以適行非銀行機構穩定幣發行的這個許可測試穩定幣在我們離島在金門地區旅遊免稅購物跨境外匯撥轉中的效率安全性這個可以做一個實驗然後測試在和法定幣這個連結虧損上面實務的問題在"},{"start":565.862,"end":593.265,"text":"驗證非銀行機構在受控環境下可以兼顧創新和系統性風險這個防範這個部分這個部分就跟我這個上個星期我們也提到這個在金門地區對這個電子支付這個部分我想也可以做相關的這個連結那金門一直我一直覺得金門是一個很適合政府做一個實驗的這個地方地方小然後任何的這個"},{"start":594.966,"end":618.671,"text":"測試都很容易 容易看出有沒有錯誤然後萬一有什麼風險事實上也很容易防範的這個地區尤其對於跨部會聯防測試的跨境洗錢的聯防實驗這個部分是不是你可以考慮一下我們推動這個專法裡頭把我們金門定為一個金融創新實驗場地的可行性評估"},{"start":619.811,"end":645.857,"text":"這個是不是可以考慮一下其實剛剛委員提到我們專法的草案第四條裡面我們在所有的金融相關的法令都有放這一條就是說你雖然不是VASP但是你如果有很好的想法你可以來申請創新實驗我想這個應該是沒有地區之別那任何人都可以來申請比如說假設廠商或是業者認為金門有特別的好的地方他就提出申請"},{"start":646.417,"end":650.298,"text":"這個創新實驗是對所有都是一樣嗎假設業者自己覺得在金門有特別他可以按照這條例提出實驗的申請"},{"start":665.464,"end":684.919,"text":"你們可以給我一個這個也做一個報告給我嗎因為是不是是不是可能會遇到什麼問題啊或者是政策上可能有什麼樣的支持啊那這樣子我們可以按照你這個報告我們來看有沒有相關的願意來支援我們過去在整個整個創新實驗的一些的流程一些條件標準給委員參考好好謝謝您謝謝謝謝委員"}],"gazette":[{"speaker":"陳委員玉珍","start":"2026-03-23T10:21:18+08:00","guessed":true,"end":"2026-03-23T10:21:19+08:00","text":"謝謝主席，有請保險局。","quality":0.111},{"speaker":"主席","start":"2026-03-23T10:21:18.349000+08:00","guessed":false,"end":"2026-03-23T10:21:18.569000+08:00","text":"請保險局王局長。","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-23T10:21:42.522000+08:00","guessed":false,"end":"2026-03-23T10:21:43.002000+08:00","text":"局長好。","quality":0.667},{"speaker":"陳委員玉珍","start":"2026-03-23T10:21:43.002000+08:00","guessed":false,"end":"2026-03-23T10:22:14.195000+08:00","text":"今天想跟您探討一下肉牛強制保險的可行性評估，金管會推動農業保險的過程中，扮演了監理者和技術支援者兩個角色，雖然農業保險的主管單位是農業部，但是保險局要負責確保保險產品的適法性、財務的穩健性，還有媒合產險業者參與的政策指導功能。","quality":0.915},{"speaker":"陳委員玉珍","start":"2026-03-23T10:22:15.696000+08:00","guessed":false,"end":"2026-03-23T10:23:09.767000+08:00","text":"您看一下現在的肉牛和乳牛的保險政策差異，乳牛從今年的1月1號開始全面強制保險，就是由政府補助50%的保費，農民僅負擔925元一頭，和貸款救助全面掛鉤，就是如果飼養乳牛，遇到什麼風險的話，撲殺這一類的，然後理賠是標準化定額，基礎3萬，撲殺最高加碼到4.7萬，現在這個防護覆蓋率大概要到82.6%；但肉牛的部分，因為現在政府的政策還是自願、試辦的，沒有強制力，也沒有什麼誘因，因為沒有標準化的補助，那理賠機制也還沒有一個統一的標準，所以現在幾乎沒有在保肉牛的部分。","quality":0.883},{"speaker":"陳委員玉珍","start":"2026-03-23T10:23:10.508000+08:00","guessed":false,"end":"2026-03-23T10:23:54.434000+08:00","text":"但因為我們金門地區肉牛的飼養比例在全國臺、澎、金、馬裡頭占13%，就是說這個事實上慢慢成為金門很可行的一個產業，因為全國各地現在很多牧場都已經不開放了，金門剛好是一個比較好的環境，有比較寬闊的場所，而且我們有釀造金門高粱的酒糟，由金酒免費提供給肉牛的飼養業者作為飼料，而肉牛吃了這個酒糟以後對牠的肉質也相當好，所以是金門未來可以發展的一個產業。","quality":0.886},{"speaker":"陳委員玉珍","start":"2026-03-23T10:23:54.434000+08:00","guessed":false,"end":"2026-03-23T10:24:17.470000+08:00","text":"但是金門整體來講，因為農業部那邊常常會說大陸地區發生什麼牛結節疹或相關的突發性疫情，金門飼養的肉牛就完全禁止輸到臺灣地區來，使得飼養肉牛這個產業變得很不穩定，所以這時候我覺得保險機制的介入其實是有必要的。","quality":0.928},{"speaker":"陳委員玉珍","start":"2026-03-23T10:24:27.959000+08:00","guessed":false,"end":"2026-03-23T10:24:54.762000+08:00","text":"肉牛的價值隨著牠生長階段、品種一直有波動，因為保險公司沒有辦法精算牠的保費，農民又覺得定額理賠沒有辦法，如果他養到很後來，酒糟牛就像我們說的和牛，現在臺灣很流行在外面吃新鮮的溫體牛，局長有吃過嗎？","quality":0.867},{"speaker":"陳委員玉珍","start":"2026-03-23T10:24:54.762000+08:00","guessed":true,"end":"2026-03-23T10:24:55.762000+08:00","text":"現在到處都有嘛。","quality":0},{"speaker":"王局長麗惠","start":"2026-03-23T10:24:55.762000+08:00","guessed":true,"end":"2026-03-23T10:24:56.762000+08:00","text":"報告委員，我吃素，不好意思。","quality":0},{"speaker":"陳委員玉珍","start":"2026-03-23T10:24:56.762000+08:00","guessed":true,"end":"2026-03-23T10:24:57.762000+08:00","text":"喔，對不起！","quality":0},{"speaker":"陳委員玉珍","start":"2026-03-23T10:24:57.762000+08:00","guessed":true,"end":"2026-03-23T10:24:58.762000+08:00","text":"問到一個吃素的。","quality":0},{"speaker":"陳委員玉珍","start":"2026-03-23T10:24:57.748000+08:00","guessed":false,"end":"2026-03-23T10:24:58.329000+08:00","text":"主委有吃過吧？","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-23T10:25:15.714000+08:00","guessed":false,"end":"2026-03-23T10:25:20.038000+08:00","text":"就是現在溫體牛是蠻普遍的，這個產業在臺灣現在蓬勃發展。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:25:20.579000+08:00","guessed":false,"end":"2026-03-23T10:25:23.041000+08:00","text":"金門的沒有吃過。","quality":0.857},{"speaker":"陳委員玉珍","start":"2026-03-23T10:25:23.041000+08:00","guessed":false,"end":"2026-03-23T10:25:24.503000+08:00","text":"金門的沒有，我是說全臺灣你有去吃過吧？","quality":0.765},{"speaker":"陳委員玉珍","start":"2026-03-23T10:25:24.743000+08:00","guessed":false,"end":"2026-03-23T10:25:27.626000+08:00","text":"臺灣各地都有，你們都很少吃牛肉？對。","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-23T10:25:27.746000+08:00","guessed":false,"end":"2026-03-23T10:26:19.705000+08:00","text":"你看臺南各地溫體牛都很多，現在這個產業其實在全臺到處慢慢在蓬勃發展，火鍋很流行吃溫體牛，所以很多店家標榜和牛，各地價格都蠻高的，這個肉牛產業，我覺得是在金門可以發展的產業，現在就是卡到常常會突然有一些疫情，比如牛結節疹或其他的疫情，如果有人要投入比較有規模的飼養的話，就會擔心，畢竟一頭牛也不少錢，養幾百頭一損失也是……在金門因為內需市場不大，大規模飼養以後如果只供應當地是不足的，一定要往臺灣運，而臺灣大概牧場不容易有，就慢慢沒有，事實上也很需要溫體牛。","quality":0.837},{"speaker":"陳委員玉珍","start":"2026-03-23T10:26:19.825000+08:00","guessed":false,"end":"2026-03-23T10:26:41.653000+08:00","text":"金門之前曾經有一陣子運到臺灣來，其實銷路都還不錯，現在我們如果要擴大這個產業的話，政府現在在國內做乳牛產業、做得不錯，因為有保障，為了喝鮮奶，所以有保障、有一定的保險，有相關的掛鉤。","quality":0.951},{"speaker":"陳委員玉珍","start":"2026-03-23T10:26:41.793000+08:00","guessed":false,"end":"2026-03-23T10:26:47.895000+08:00","text":"所以這個部分是不是可以請金管會協助跟農業部農金署討論一下？","quality":0.964},{"speaker":"陳委員玉珍","start":"2026-03-23T10:26:48.175000+08:00","guessed":false,"end":"2026-03-23T10:27:17.177000+08:00","text":"協助精算肉牛強制保險的保費，比照乳牛，讓肉牛跟乳牛一樣可以享有商業保險的覆蓋，這個如果有可行性的話，對金門以後發展這個產業，業者願意過去投資的話，機會會大一些，就是如果萬一有損失的話，不至於全軍覆沒。","quality":0.901},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:27:20.580000+08:00","guessed":false,"end":"2026-03-23T10:27:26.446000+08:00","text":"是，跟委員報告，不管是乳牛保險或是以前的豬隻保險，這都是農業部主政的。對。","quality":0.75},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:27:27.267000+08:00","guessed":false,"end":"2026-03-23T10:27:30.269000+08:00","text":"但是如果他需要我們商業保險的相關協助的話，我們會來協助農業部。","quality":0.931},{"speaker":"陳委員玉珍","start":"2026-03-23T10:27:32.932000+08:00","guessed":false,"end":"2026-03-23T10:27:40.674000+08:00","text":"好，你是希望由農金署主動來協調，還是你們找他們來開會討論一下？","quality":0.893},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:27:41.974000+08:00","guessed":false,"end":"2026-03-23T10:27:43.315000+08:00","text":"這是農業部主政的保險……","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-23T10:27:43.315000+08:00","guessed":false,"end":"2026-03-23T10:27:46.915000+08:00","text":"我知道，我也可以請農金署主動聯絡你們嘛。是。","quality":0.947},{"speaker":"陳委員玉珍","start":"2026-03-23T10:27:47.156000+08:00","guessed":false,"end":"2026-03-23T10:27:56.618000+08:00","text":"你們一起來討論，因為農金署本身相關的有一些強制……因為保險局對保險公司的政策指導力量會比較強大。","quality":0.886},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:27:57.418000+08:00","guessed":false,"end":"2026-03-23T10:28:06.380000+08:00","text":"對，商業保險的技術，確實過去在很多地方我們跟農業部都做過很多合作，那有需要的話，委員來促成，我們都會來協助。","quality":0.896},{"speaker":"陳委員玉珍","start":"2026-03-23T10:28:06.380000+08:00","guessed":false,"end":"2026-03-23T10:28:15.562000+08:00","text":"好，那我也來跟農金署聯絡，到時候你們是不是可以在一個月內或多久時間內提供相關金額？","quality":0.921},{"speaker":"陳委員玉珍","start":"2026-03-23T10:28:15.562000+08:00","guessed":false,"end":"2026-03-23T10:28:16.963000+08:00","text":"我會請他們主動跟你們聯絡。","quality":0.75},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:28:16.963000+08:00","guessed":false,"end":"2026-03-23T10:28:17.743000+08:00","text":"我們看他的需求。","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-23T10:28:19.343000+08:00","guessed":false,"end":"2026-03-23T10:28:28.730000+08:00","text":"我現在提的需求是希望比照乳牛的部分，那你們做的部分，精算應該是保險局這邊的工作吧？","quality":0.974},{"speaker":"王局長麗惠","start":"2026-03-23T10:28:28.730000+08:00","guessed":true,"end":"2026-03-23T10:28:29.730000+08:00","text":"我們來協助。","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:28:29.630000+08:00","guessed":false,"end":"2026-03-23T10:28:32.152000+08:00","text":"技術上協助跟經驗協助應該是沒問題。","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-23T10:28:32.352000+08:00","guessed":false,"end":"2026-03-23T10:28:33.233000+08:00","text":"好，那多久內？","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-23T10:28:33.233000+08:00","guessed":false,"end":"2026-03-23T10:28:34.153000+08:00","text":"你也主動一點沒關係，我也會幫忙聯絡。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:28:36.091000+08:00","guessed":false,"end":"2026-03-23T10:28:45.173000+08:00","text":"對，那個期限假設農業部非常非常清楚他的需求，還有假設以委員所說的為前提的話，我們就請保險局回去跟公會……","quality":0.915},{"speaker":"陳委員玉珍","start":"2026-03-23T10:28:45.173000+08:00","guessed":false,"end":"2026-03-23T10:28:52.495000+08:00","text":"你先主動跟公會聯絡，農金署那邊你們也可以聯絡，我也會幫忙聯絡，好不好？","quality":0.871},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:28:52.895000+08:00","guessed":false,"end":"2026-03-23T10:28:53.215000+08:00","text":"雙管齊下。","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-23T10:28:53.955000+08:00","guessed":false,"end":"2026-03-23T10:29:00.897000+08:00","text":"對，針對這個部分，現在是3月底了嘛，儘快看4月底或5月底給我們一個答案，好不好？","quality":0.875},{"speaker":"陳委員玉珍","start":"2026-03-23T10:29:01.297000+08:00","guessed":false,"end":"2026-03-23T10:29:02.697000+08:00","text":"至少要有個初步的評估，我們要往前推啦。","quality":0.765},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:29:03.799000+08:00","guessed":false,"end":"2026-03-23T10:29:07.481000+08:00","text":"我想我們就先用一些初步的評估方式，先提供給……","quality":0.85},{"speaker":"陳委員玉珍","start":"2026-03-23T10:29:07.481000+08:00","guessed":false,"end":"2026-03-23T10:29:16.347000+08:00","text":"政策嘛，主要還是政策問題，不一定是補助，因為保險有費率問題，飼養這個產業有一定的收益，業者也許願意付一定的保費，應該也是有。","quality":0.855},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:29:16.447000+08:00","guessed":false,"end":"2026-03-23T10:29:19.349000+08:00","text":"政策保險跟商業保險的思維有很大的不同。","quality":0.833},{"speaker":"陳委員玉珍","start":"2026-03-23T10:29:19.469000+08:00","guessed":false,"end":"2026-03-23T10:29:22.571000+08:00","text":"我知道，沒關係，你們也可以從商業保險下去考慮，好嗎？可以。","quality":0.917},{"speaker":"陳委員玉珍","start":"2026-03-23T10:29:24.192000+08:00","guessed":false,"end":"2026-03-23T10:29:25.052000+08:00","text":"好，謝謝。","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-23T10:29:25.172000+08:00","guessed":false,"end":"2026-03-23T10:29:40.935000+08:00","text":"下一題就是虛擬資產專法的部分，我想金門可能可以扮演一定的角色，有關金融創新離島區塊鏈的部分，為什麼金門是一個很適合的測試地？","quality":0.931},{"speaker":"陳委員玉珍","start":"2026-03-23T10:29:43.936000+08:00","guessed":false,"end":"2026-03-23T10:29:45.636000+08:00","text":"上次我們不是有提嗎？","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-23T10:29:45.636000+08:00","guessed":false,"end":"2026-03-23T10:30:05.826000+08:00","text":"很多東西因為金門作為一個比較小的島，是比較容易實驗的地區，只要政策願意開放的話，作為虛擬資產專法的「前瞻試驗區」，利用現在專法草案中所提到的「創新實驗機制」（每一個版本都有，第四條），讓金門發揮區位優勢，尋找金門經濟的新動能。","quality":0.909},{"speaker":"陳委員玉珍","start":"2026-03-23T10:30:06.326000+08:00","guessed":false,"end":"2026-03-23T10:30:06.987000+08:00","text":"就是突破穩定幣「銀行壟斷」的區域實驗。","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-23T10:30:06.987000+08:00","guessed":false,"end":"2026-03-23T10:30:37.740000+08:00","text":"您看一下，現在專法傾向讓「金融機構」發行穩定幣，如果在金門試行「非銀行機構穩定幣發行許可」，測試穩定幣在離島金門地區旅遊、免稅購物、跨境外匯撥轉中的效率與安全性，這可以做一個實驗。","quality":0.975},{"speaker":"陳委員玉珍","start":"2026-03-23T10:30:38.920000+08:00","guessed":false,"end":"2026-03-23T10:30:49.747000+08:00","text":"測試其在法定幣連結與會計制度上的實務問題，以驗證「非銀行機構」在受控環境下能兼顧創新與系統性風險防範。","quality":0.787},{"speaker":"陳委員玉珍","start":"2026-03-23T10:30:49.747000+08:00","guessed":false,"end":"2026-03-23T10:30:58.314000+08:00","text":"這個部分，上個星期我們也提到在金門地區……支付。","quality":0.9},{"speaker":"陳委員玉珍","start":"2026-03-23T10:30:58.314000+08:00","guessed":false,"end":"2026-03-23T10:31:03.158000+08:00","text":"對，電子支付的部分，我想也可以做相關的連結。","quality":0.947},{"speaker":"陳委員玉珍","start":"2026-03-23T10:31:04.199000+08:00","guessed":false,"end":"2026-03-23T10:31:27.449000+08:00","text":"我一直覺得金門是一個很適合政府做試驗的地方，地方小，任何的測試都很容易、容易看出有沒有錯誤，萬一有什麼風險事實上也是很容易防範的地區，尤其對於跨部會聯防測試：針對「跨境洗錢」的聯防試驗。","quality":0.94},{"speaker":"陳委員玉珍","start":"2026-03-23T10:31:27.449000+08:00","guessed":false,"end":"2026-03-23T10:31:39.351000+08:00","text":"這個部分是不是你可以考慮一下，在推動專法裡頭，把金門定為一個金融創新試驗場地的可行性評估，這個是不是可以考慮？","quality":0.961},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:31:40.032000+08:00","guessed":false,"end":"2026-03-23T10:31:47.313000+08:00","text":"其實剛剛委員提到我們專法的草案第四條裡面，我們在所有的金融相關法令都有放這一條，就是……對。","quality":0.976},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:31:48.173000+08:00","guessed":false,"end":"2026-03-23T10:31:56.355000+08:00","text":"你雖然不是VASP，但是你如果有很好的想法，你可以來申請創新實驗，我想這個應該是沒有地區之別。是。","quality":0.977},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:31:57.115000+08:00","guessed":false,"end":"2026-03-23T10:32:03.857000+08:00","text":"任何人都可以申請，假設廠商或是業者認為金門有特別好的地方，他就提出申請……","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-23T10:32:03.857000+08:00","guessed":true,"end":"2026-03-23T10:32:04.857000+08:00","text":"好，您的意思是說，我們也可以主動來……","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:32:04.857000+08:00","guessed":true,"end":"2026-03-23T10:32:05.857000+08:00","text":"當然就是……","quality":0},{"speaker":"陳委員玉珍","start":"2026-03-23T10:32:05.857000+08:00","guessed":true,"end":"2026-03-23T10:32:06.857000+08:00","text":"應該由我們主動，或者我們這裡，因為金管會如果有政策的支持、政策指引的話，當然廠商的意願會更高。","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:32:04.417000+08:00","guessed":false,"end":"2026-03-23T10:32:08.298000+08:00","text":"這個創新實驗對所有的都是一樣，假設業者自己覺得在金門有特別的，他可以按照這個條例提出實驗的申請。","quality":0.933},{"speaker":"陳委員玉珍","start":"2026-03-23T10:32:23.464000+08:00","guessed":false,"end":"2026-03-23T10:32:26.126000+08:00","text":"好，那你們也可以做一個報告給我嗎？","quality":0.8},{"speaker":"陳委員玉珍","start":"2026-03-23T10:32:27.587000+08:00","guessed":false,"end":"2026-03-23T10:32:30.750000+08:00","text":"是不是可能會遇到什麼問題，或者是政策上可能有什麼樣的支持……","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:32:30.750000+08:00","guessed":true,"end":"2026-03-23T10:32:31.991000+08:00","text":"可以，我……","quality":0},{"speaker":"陳委員玉珍","start":"2026-03-23T10:32:31.991000+08:00","guessed":false,"end":"2026-03-23T10:32:35.733000+08:00","text":"這樣子我們可以按照你這個報告看有沒有相關的，我們願意來支援。","quality":0.929},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:32:35.974000+08:00","guessed":false,"end":"2026-03-23T10:32:41.578000+08:00","text":"我們可以把過去在整個創新實驗的一些流程、條件標準給委員參考。","quality":0.893},{"speaker":"陳委員玉珍","start":"2026-03-23T10:32:42.078000+08:00","guessed":false,"end":"2026-03-23T10:32:42.799000+08:00","text":"好，謝謝您。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:32:42.899000+08:00","guessed":false,"end":"2026-03-23T10:32:42.919000+08:00","text":"謝謝委員。","quality":1},{"speaker":"主席（羅委員明才代）","start":"2026-03-23T10:32:43.419000+08:00","guessed":true,"end":"2026-03-23T10:32:46.276143+08:00","text":"現在請李彥秀委員質詢。","quality":0}]}},"supported_relations":[],"relations":[]}