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辛苦了上禮拜有專報的時候有提到你們會把這個虛擬資產服務法送到立法院來不過我們今天稍微先排了在野黨的版本那我先請教一下就是說現在本土是有八家的交易所"},{"start":49.049,"end":72.785,"text":"八家業者,不全是交易所八家業者,八家業者你們讓他取得許可嘛對不對對,登記制那現在就是還想講說因為你本土人你有來申請這個許可那你們也審查過了讓他有取得這個許可那但是海外的部分大家還是在講說海外的部分現在有幾家來跟我們申請"},{"start":75.647,"end":89.533,"text":"過去我想有幾家來詢問怎麼落地來設分支機構那這部分我們也都是因為未來整個這個專法通過以後那條文裡面就直接講了有兩條路徑"},{"start":90.814,"end":105.739,"text":"一個就是說你可以已經國外的機構你可以來台灣設分支機構就是分公司另外也可以你直接投資台灣成立一個本國法律設立的新的機構這兩條路都可以就跟我們一般金融市場是一樣"},{"start":106.539,"end":121.978,"text":"那我的意思是說在專法通過之後他們就一定要來申請嘛海外的一定要來申請嘛對一定要來申請當然當然這是國際的通歷那如果沒有來申請呢因為現在他們不用來申請嘛對不對然後也是活得很好嘛沒有就是說假設"},{"start":122.819,"end":138.908,"text":"今天來就像我們現在很多各位常聽到的地下保單那就是沒有在台灣有據點呈現沒有在台灣取得合法的業務在台灣招攬業務的行為這個就是違法的可是那不太一樣因為其實海外的其實他們是蠻大的一個集團"},{"start":142.23,"end":159.252,"text":"他們不是說像你講的這個所謂的地下交易啦那我們很多也是跟他們有交易那現在問題在於說他們來這邊目前來申請有遇到什麼樣的困難嗎因為這個困難以後你專訪通過他們還是要進來啊當然這個這部分的每一家公司的狀況不太一樣"},{"start":160.293,"end":177.574,"text":"那比如說他今天來申請設立的話其實我覺得在法規上是沒有障礙當然比如現階段我們包括你是如果是境外的投資還有我們外國人投資條例的規定這裡面有一些比如說特許業務的範圍這些都是那再來還有一些比如說未來像這些"},{"start":178.915,"end":195.569,"text":"資金來源這是從哪裡來這些都是有其他法律在規範那其他都是一些專業的考量就是說你有沒有能力你在台灣如何去展業這部分我們現在未來會越來越周延這些規定所以聽起來是資金來源是比較有問題嗎這是其中之一而已"},{"start":196.77,"end":224.153,"text":"那好那所以就是說如果專法通過之後他們就一定要來申請嘛所以你講那些問題他們也都必須要做處理嘛如果說你要在台灣實體的執行業務比如說就像前陣子比如說有委員關心說你沒有經過同意怎麼會在台灣的公車車體上看到你的廣告那基本上這個就是一個非常非常明顯或者說你竟然在台灣招攬業務人員在幫你做這些行銷這些問題大概就是這個很很具體的違反這些規定還有就是說"},{"start":225.054,"end":245.797,"text":"你公然的跟我們很多的金融機構或是其他機構有營業的行為我想這部分大概就很明確了好那再請教一下其實我上禮拜有問過現在就是說那個穩定幣那穩定幣現在就是說因為有一些外商應該是台商跟外商他們在這一個在交易的時候可能這一個"},{"start":246.697,"end":266.722,"text":"這個外商或是說那個外國的企業會給我們這一個台商穩定幣那現在就是說那台商拿到穩定幣之後現在在台灣的部分銀行的接受度是怎麼樣他們怎麼處理這一些穩定幣呢現在的話就是說我們現在這也是我們關注到因為銀行是大家信認度高的一個金融機構"},{"start":267.802,"end":291.42,"text":"如果未來比如說你的這些虛擬資產的保管能夠在銀行某種程度等於說你可以把它存在我的銀行那當然對我的安全性也可以當然對於持有者而言它可以存在自己的錢包也可以請銀行來做比如說信託或來做保管的管理我們就推動那個示範大概有應該有19家的銀行有興趣我們現在有5家正在做示範中"},{"start":292.08,"end":317.57,"text":"示範多久了示範有一陣子了示範到現在有遇到什麼樣的問題嗎其實我覺得基礎上當然每個人所採用的方式不一樣我們希望能夠整合出一個比較好的方法比較有效率的方式來做不過這個是很重要讓金融業能夠跟整個虛擬資產業做一個整合結合還有取得社會信任非常重要的一個工作我們會來加速來處理"},{"start":320.973,"end":335.872,"text":"現在是事辦那你們有指引嗎或是說規範嗎還是說全部要等到專法通過之後再來處理這一塊事辦跟這個是兩個獨立的那我想局長有沒有什麼補充現在事辦的情形"},{"start":336.859,"end":349.549,"text":"有 跟委員報告那這個部分我們也有參考香港HKMA的相關指引那我們會請銀行公會就試辦的部分我們會在六個月之內訂出指引出來那所以你說要試辦多久啦"},{"start":351.524,"end":369.518,"text":"試辦的期程原則上是一年但是我們會開始了嘛 因為我今天昨天講說已經開始了從哪時候開始的啊應該大概半年前就陸陸續續開始可是那個指引還沒有定出來還沒有定出來那怎麼會試辦沒有指引出來咧我知道你現在有指引出來之後再試辦嗎"},{"start":370.899,"end":395.051,"text":"通常就是業務先行之後我們覺得說必須要再進一步相關的去做相關的規管那我們也參考國外的一些那這半年來有遇到一些什麼問題嗎因為他們事辦的這個就是業務的內容比較簡單而且那個就是接受保管的這個這個幣呢是相對來講那個量是有限縮的對所以風險是可控都是美元嗎"},{"start":396.292,"end":403.658,"text":"有公股銀行嗎?目前沒有公股銀行公股銀行是比較保守"},{"start":415.717,"end":433.425,"text":"客人經營的業務的選擇啦剛剛委員有提到就是說我們試辦就是希望透過試辦跟業者一起來觀察你的情況他會比所謂的指引規定會先行才要試辦當我們指引出來以後就直接開辦了所以這個本來就是這個過程所以指引說大概哪時候會出來他六個月之內"},{"start":434.83,"end":460.707,"text":"從現在算六個月之內嗎?對那再請教一下,因為這一檔的版本比較不一樣就是說這個衍生性的商品那現在金管會是站在比較保守的一個立場嗎?不是,比較穩健,其實我們也不保守就是說我們覺得現階段我想各位都知道我們一般的衍生性商品都已經很不容易理解了"},{"start":461.007,"end":476.949,"text":"那再來就以這個波動這麼大的這些的產品還有就是大家對它熟悉度不高的產品直接就開放到衍生性商品我想這個以台灣現在的監理環境我們也不認為現在馬上做就很適當但是呢當然"},{"start":478.331,"end":502.188,"text":"我剛剛也提到了就是假設業者有這個能力國際上也有很明確的規範再來有做好很好的封控我想這部分本來就是一個我們已經預留在一個彈性裡面所以說其實我們已經對外講過很多次這其實上本來就是我們隨時都可以來跟進可是這個在國外應該算是蠻成熟的一個產品了吧其實也不是成熟只是有人在做這些事情"},{"start":503.369,"end":532.222,"text":"當然這個東西牽涉到槓桿倍數是非常高那就是說目前在專法上面是沒有把這一部分把它規範在裡面沒有 我們不是明文我們就第一個其他金主管居然同意的虛擬資產業務嘛那這部分其實更廣 更有彈性當然就是說現在其實這個大家的目的都相同只是說我們現在希望利用這個專法告訴各位就是說我們希望是一個比較穩健的方式來執行這樣的一個市場的開放"},{"start":533.25,"end":549.308,"text":"那所以說就在野黨他們所提出來就是說希望能夠開放一些衍生性的金融商品的話就目前按照主委所講的不會應該是說列在執法裡面去做處理嗎還是怎麼樣執法裡面我剛講過就是說剛剛那個那個"},{"start":550.725,"end":551.045,"text":"但是含含啊"},{"start":570.525,"end":585.58,"text":"當然啦 因為未來我們在很多公開的組合也講說我們從來都沒有說不願意做我們只是想說希望我們用進階那這個東西呢 給予主管機關比較大的監理的彈性來做這件事情我想也是保障我們的交易人啦好 最後再問 現在這個虛擬資產它能夠列入這個我們企業的財報嗎"},{"start":592.032,"end":602.287,"text":"現在我們請我們的會員基金會我們會計界在三月底會提出他們未來整個列帳的相關的一些的指引出來那方向是怎麼樣有嗎 請"},{"start":606.893,"end":626.555,"text":"報告委員這個部分會計會已經有類似委外一個研究那三月底四月初大家會出來會有一個指引給企業來使用所以是朝向是說可以列入這一個企業財報裡面嗎對就是用什麼樣的會計項目怎麼樣來入賬反正會去把它列進去就對了但是是要怎麼列的方法"},{"start":627.136,"end":643.132,"text":"怎麼去做處理就對了對 其實應該講我想在國際上已經有一些可以來參考那國內因為我們的比較特殊的財快環境必須要經過我們公布一些財快準則這樣方式來揭露好 謝謝謝謝主委 謝謝我們主席"}],"gazette":[{"speaker":"李委員坤城","start":"2026-03-23T10:44:47.838000+08:00","guessed":false,"end":"2026-03-23T10:44:48.379000+08:00","text":"謝謝主席，請彭主委。","quality":1},{"speaker":"主席","start":"2026-03-23T10:44:48.459000+08:00","guessed":false,"end":"2026-03-23T10:44:48.719000+08:00","text":"請彭主委。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:44:48.719000+08:00","guessed":true,"end":"2026-03-23T10:45:10.637000+08:00","text":"委員好。","quality":0},{"speaker":"李委員坤城","start":"2026-03-23T10:45:10.637000+08:00","guessed":false,"end":"2026-03-23T10:45:11.617000+08:00","text":"主委好，辛苦了。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:45:11.617000+08:00","guessed":true,"end":"2026-03-23T10:45:14.720000+08:00","text":"不會，謝謝。","quality":0},{"speaker":"李委員坤城","start":"2026-03-23T10:45:14.720000+08:00","guessed":false,"end":"2026-03-23T10:45:32.836000+08:00","text":"上禮拜專報時你們就有提到會把虛擬資產服務法送到立法院來，不過今天召委先排了這一個在野黨的版本，那我就先請教一下，現在本土有8家交易所核可，是不是？","quality":0.791},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:45:35.149000+08:00","guessed":false,"end":"2026-03-23T10:45:37.351000+08:00","text":"是8家業者，不全是交易所。","quality":0.9},{"speaker":"李委員坤城","start":"2026-03-23T10:45:39.232000+08:00","guessed":false,"end":"2026-03-23T10:45:42.974000+08:00","text":"有8家業者你們讓他們取得許可，對不對？","quality":0.875},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:45:42.974000+08:00","guessed":false,"end":"2026-03-23T10:45:43.335000+08:00","text":"對，是登記制。","quality":0.8},{"speaker":"李委員坤城","start":"2026-03-23T10:45:48.258000+08:00","guessed":false,"end":"2026-03-23T10:45:58.785000+08:00","text":"本土的有來申請許可，你們也審查通過，讓他取得許可，但是針對海外的部分，現在有幾家跟你們申請？","quality":0.878},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:46:01.647000+08:00","guessed":false,"end":"2026-03-23T10:46:31.739000+08:00","text":"過去是有幾家詢問要怎麼落地設分支機構，這部分我們也都是……因為未來專法通過以後，條文裡面就直接規定兩條路徑，一個是國外機構可以來臺灣設分支機構，就是分公司；另外也可以直接投資臺灣，成立一個依本國法律設立的新機構，這兩條路都可以，就跟現在一般金融市場是一樣的。","quality":0.932},{"speaker":"李委員坤城","start":"2026-03-23T10:46:32.759000+08:00","guessed":false,"end":"2026-03-23T10:46:39.608000+08:00","text":"對，我的意思是，在專法通過之後，海外的就一定要來申請，對不對？對。","quality":0.741},{"speaker":"李委員坤城","start":"2026-03-23T10:46:39.608000+08:00","guessed":false,"end":"2026-03-23T10:46:40.409000+08:00","text":"一定要來申請？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:46:40.409000+08:00","guessed":false,"end":"2026-03-23T10:46:41.410000+08:00","text":"當然，當然，這是國際的通例啊！","quality":0.833},{"speaker":"李委員坤城","start":"2026-03-23T10:46:42.692000+08:00","guessed":false,"end":"2026-03-23T10:46:43.473000+08:00","text":"如果沒有來申請呢？","quality":1},{"speaker":"李委員坤城","start":"2026-03-23T10:46:43.573000+08:00","guessed":false,"end":"2026-03-23T10:46:46.737000+08:00","text":"因為現在他們還不必申請，但他們也活得很好，對不對？","quality":0.636},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:46:47.277000+08:00","guessed":false,"end":"2026-03-23T10:47:00.085000+08:00","text":"沒有，像現在各位常常聽到的所謂地下保單，就是沒有在臺灣有據點呈現、沒有在臺灣取得合法招攬業務的行為，這個就是違法……","quality":0.942},{"speaker":"李委員坤城","start":"2026-03-23T10:47:00.426000+08:00","guessed":false,"end":"2026-03-23T10:47:17.842000+08:00","text":"可是那不太一樣，因為海外的其實是蠻大的一個集團，他們並不是像你講的那個所謂的地下交易，我們很多也是跟他們有交易，現在的問題在於他們目前來申請，有遇到什麼困難嗎？","quality":0.959},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:47:17.842000+08:00","guessed":true,"end":"2026-03-23T10:47:18.842000+08:00","text":"其實我覺得……","quality":0},{"speaker":"李委員坤城","start":"2026-03-23T10:47:17.842000+08:00","guessed":false,"end":"2026-03-23T10:47:20.806000+08:00","text":"因為有這個困難，即使以後專法通過，他們還是要進來啊！","quality":0.826},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:47:22.869000+08:00","guessed":false,"end":"2026-03-23T10:47:55.324000+08:00","text":"對，這部分當然每一家公司的狀況不太一樣，比如他今天來申請設立，我覺得在法規上是沒有障礙的，現階段包括境外投資，有外國人投資條例的規定，這裡面都有一些特許業務範圍，這些都是；再來還有資金來源部分，資金從哪裡來，這些都有其他法律的規範，其他就是一些專業的考量，譬如有沒有能力在臺灣展業，將來這些部分的規定會越來越周延。","quality":0.867},{"speaker":"李委員坤城","start":"2026-03-23T10:47:57.986000+08:00","guessed":false,"end":"2026-03-23T10:48:00.528000+08:00","text":"聽起來資金來源是比較有問題？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:48:00.528000+08:00","guessed":false,"end":"2026-03-23T10:48:01.549000+08:00","text":"這是其中之一而已。","quality":1},{"speaker":"李委員坤城","start":"2026-03-23T10:48:03.331000+08:00","guessed":false,"end":"2026-03-23T10:48:08.995000+08:00","text":"好，專法通過之後，他們就一定要來申請，所以你講的那些問題，他們也都必須處理。","quality":0.97},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:48:09.356000+08:00","guessed":false,"end":"2026-03-23T10:48:37.501000+08:00","text":"如果要在臺灣實體執行業務，就像前陣子，有委員關心並沒有經過同意，卻可以在臺灣的公車車體上看到廣告，基本上，這就是一個非常明顯的問題，或者居然可以在臺灣招攬業務人員幫他做行銷，這些大概就是很具體的違反相關規定；還有就是公然跟我們很多金融機構或其他機構有營業行為，我想這部分就很明確啦！","quality":0.893},{"speaker":"李委員坤城","start":"2026-03-23T10:48:38.002000+08:00","guessed":false,"end":"2026-03-23T10:49:04.660000+08:00","text":"好，再請教一下，其實我上禮拜也有問過，就是穩定幣部分，有一些臺商跟外商交易的時候，可能這個外商或外國企業會給臺商穩定幣，問題是，臺商拿到穩定幣之後，現在臺灣的銀行接受度怎麼樣？","quality":0.937},{"speaker":"李委員坤城","start":"2026-03-23T10:49:04.660000+08:00","guessed":false,"end":"2026-03-23T10:49:06.220000+08:00","text":"他們怎麼處理這些穩定幣呢？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:49:08.441000+08:00","guessed":false,"end":"2026-03-23T10:49:37.400000+08:00","text":"這也是我們關注到的問題，因為銀行是大家信任度高的金融機構，未來比如你的這些虛擬資產保管能夠在銀行受到某種程度保護，譬如可以存在銀行，當然安全性是可以；當然，對於持有者而言，他可以存在自己的錢包，也可以請銀行做信託或保管的管理，所以我們現在就推動試辦，應該有19家銀行有興趣，目前是有5家正在試辦中。","quality":0.828},{"speaker":"李委員坤城","start":"2026-03-23T10:49:38.360000+08:00","guessed":false,"end":"2026-03-23T10:49:38.680000+08:00","text":"試辦多久了？","quality":0.6},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:49:39.741000+08:00","guessed":false,"end":"2026-03-23T10:49:40.201000+08:00","text":"試辦有一陣子了。","quality":0.714},{"speaker":"李委員坤城","start":"2026-03-23T10:49:42.182000+08:00","guessed":false,"end":"2026-03-23T10:49:44.863000+08:00","text":"試辦到現在有遇到什麼樣的問題嗎？","quality":0.867},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:49:45.163000+08:00","guessed":false,"end":"2026-03-23T10:50:03.550000+08:00","text":"我覺得技術上當然每個人所採用的方式不一樣，我們希望能夠整合出一個比較好的方法、比較有效率的方式來做，不過這個是很重要讓金融業能夠跟整個虛擬資產業做一個整合、結合，還有取得社會信任非常重要的一個工作，我們會來加速處理。","quality":0.98},{"speaker":"李委員坤城","start":"2026-03-23T10:50:06.973000+08:00","guessed":false,"end":"2026-03-23T10:50:09.797000+08:00","text":"我的意思是說，這一套現在是試辦，那你們有指引嗎？","quality":0.524},{"speaker":"李委員坤城","start":"2026-03-23T10:50:09.797000+08:00","guessed":false,"end":"2026-03-23T10:50:11.519000+08:00","text":"或是說有規範嗎？","quality":0.857},{"speaker":"李委員坤城","start":"2026-03-23T10:50:11.519000+08:00","guessed":false,"end":"2026-03-23T10:50:16.064000+08:00","text":"還是說全部要等到這個專法通過之後，再來處理這一塊？","quality":0.913},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:50:16.445000+08:00","guessed":false,"end":"2026-03-23T10:50:17.767000+08:00","text":"試辦跟這個是兩個獨立的。","quality":0.909},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:50:19.649000+08:00","guessed":false,"end":"2026-03-23T10:50:21.852000+08:00","text":"局長有沒有什麼補充，現在試辦的情形？","quality":0.938},{"speaker":"童局長政彰","start":"2026-03-23T10:50:23.079000+08:00","guessed":false,"end":"2026-03-23T10:50:33.527000+08:00","text":"跟委員報告，這個部分我們也有參考香港HKMA的相關指引，我們會請銀行公會就試辦的部分，我們會在6個月之內訂出指引出來。","quality":1},{"speaker":"李委員坤城","start":"2026-03-23T10:50:33.907000+08:00","guessed":false,"end":"2026-03-23T10:50:35.389000+08:00","text":"所以試辦多久了？","quality":0.857},{"speaker":"童局長政彰","start":"2026-03-23T10:50:37.524000+08:00","guessed":false,"end":"2026-03-23T10:50:41.107000+08:00","text":"試辦的期程原則上是一年，但是我們會……","quality":1},{"speaker":"李委員坤城","start":"2026-03-23T10:50:41.107000+08:00","guessed":false,"end":"2026-03-23T10:50:41.327000+08:00","text":"有開始了嘛？","quality":0.8},{"speaker":"李委員坤城","start":"2026-03-23T10:50:41.407000+08:00","guessed":false,"end":"2026-03-23T10:50:42.167000+08:00","text":"因為我聽主委講說已經開始了。","quality":0.385},{"speaker":"童局長政彰","start":"2026-03-23T10:50:42.167000+08:00","guessed":false,"end":"2026-03-23T10:50:43.148000+08:00","text":"對，已經開始了。","quality":0.833},{"speaker":"李委員坤城","start":"2026-03-23T10:50:43.549000+08:00","guessed":false,"end":"2026-03-23T10:50:44.129000+08:00","text":"從哪時候開始的？","quality":1},{"speaker":"童局長政彰","start":"2026-03-23T10:50:45.750000+08:00","guessed":false,"end":"2026-03-23T10:50:47.712000+08:00","text":"大概半年前就陸陸續續開始。","quality":1},{"speaker":"李委員坤城","start":"2026-03-23T10:50:48.412000+08:00","guessed":false,"end":"2026-03-23T10:50:49.693000+08:00","text":"可是指引還沒有訂出來？","quality":0.9},{"speaker":"童局長政彰","start":"2026-03-23T10:50:49.693000+08:00","guessed":false,"end":"2026-03-23T10:50:51.515000+08:00","text":"還沒有訂出來。","quality":0.833},{"speaker":"李委員坤城","start":"2026-03-23T10:50:51.515000+08:00","guessed":false,"end":"2026-03-23T10:50:54.217000+08:00","text":"那怎麼會試辦沒有訂出指引出來呢？","quality":0.8},{"speaker":"李委員坤城","start":"2026-03-23T10:50:54.737000+08:00","guessed":false,"end":"2026-03-23T10:50:55.518000+08:00","text":"不是要先有指引出來之後再試辦嗎？","quality":0.733},{"speaker":"童局長政彰","start":"2026-03-23T10:50:56.899000+08:00","guessed":false,"end":"2026-03-23T10:51:04.883000+08:00","text":"通常就是業務先行之後，我們覺得必須要再進一步去做相關的規管，那我們也參考國外的一些……","quality":1},{"speaker":"李委員坤城","start":"2026-03-23T10:51:05.403000+08:00","guessed":false,"end":"2026-03-23T10:51:07.364000+08:00","text":"那這半年來有遇到什麼問題嗎？","quality":1},{"speaker":"童局長政彰","start":"2026-03-23T10:51:07.364000+08:00","guessed":false,"end":"2026-03-23T10:51:20.110000+08:00","text":"因為他們試辦的業務內容比較簡單，而且接受保管的這個幣，相對來講那個量是有限縮的，所以風險是可控。","quality":0.977},{"speaker":"李委員坤城","start":"2026-03-23T10:51:20.671000+08:00","guessed":false,"end":"2026-03-23T10:51:21.051000+08:00","text":"都是美元嗎？","quality":1},{"speaker":"童局長政彰","start":"2026-03-23T10:51:21.051000+08:00","guessed":true,"end":"2026-03-23T10:51:22.051000+08:00","text":"比特幣。","quality":0},{"speaker":"李委員坤城","start":"2026-03-23T10:51:22.051000+08:00","guessed":true,"end":"2026-03-23T10:51:23.051000+08:00","text":"比特幣？對。","quality":0},{"speaker":"李委員坤城","start":"2026-03-23T10:51:22.292000+08:00","guessed":false,"end":"2026-03-23T10:51:24.994000+08:00","text":"那有公股銀行嗎？","quality":0.857},{"speaker":"童局長政彰","start":"2026-03-23T10:51:24.994000+08:00","guessed":true,"end":"2026-03-23T10:51:25.994000+08:00","text":"試辦的部分，目前沒有。","quality":0.222},{"speaker":"李委員坤城","start":"2026-03-23T10:51:25.994000+08:00","guessed":true,"end":"2026-03-23T10:51:26.994000+08:00","text":"沒有公股銀行？","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:51:26.994000+08:00","guessed":true,"end":"2026-03-23T10:51:27.994000+08:00","text":"我們目前試辦的5家，好像沒有公股銀行。","quality":0},{"speaker":"李委員坤城","start":"2026-03-23T10:51:26.015000+08:00","guessed":false,"end":"2026-03-23T10:51:27.536000+08:00","text":"沒有公股銀行？","quality":1},{"speaker":"李委員坤城","start":"2026-03-23T10:51:27.616000+08:00","guessed":false,"end":"2026-03-23T10:51:29.638000+08:00","text":"公股銀行是比較保守，還是？","quality":0.818},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:51:41.857000+08:00","guessed":false,"end":"2026-03-23T10:51:43.418000+08:00","text":"個人經營業務的選擇啦！","quality":0.9},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:51:43.778000+08:00","guessed":false,"end":"2026-03-23T10:51:57.104000+08:00","text":"剛剛委員有提到，我們試辦就是希望透過試辦跟業者一起來觀察情況，它會比所謂的指引規定先行，才要試辦，當我們指引出來以後，就直接開辦了，所以本來就是這個過程。","quality":0.986},{"speaker":"李委員坤城","start":"2026-03-23T10:51:57.224000+08:00","guessed":false,"end":"2026-03-23T10:51:58.865000+08:00","text":"所以指引大概哪時候會出來？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:51:59.245000+08:00","guessed":false,"end":"2026-03-23T10:51:59.425000+08:00","text":"大概6個月之內。","quality":0.667},{"speaker":"李委員坤城","start":"2026-03-23T10:52:00.830000+08:00","guessed":false,"end":"2026-03-23T10:52:03.792000+08:00","text":"從現在算6個月之內嗎？對。好。","quality":0.909},{"speaker":"李委員坤城","start":"2026-03-23T10:52:03.792000+08:00","guessed":false,"end":"2026-03-23T10:52:16.840000+08:00","text":"那再請教一下，因為在野黨的版本比較不一樣的是衍生性的商品，現在金管會是站在比較保守的一個立場，是不是？","quality":0.872},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:52:16.981000+08:00","guessed":false,"end":"2026-03-23T10:52:19.202000+08:00","text":"不是，是比較穩健，其實我們也不保守啦！","quality":0.812},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:52:19.802000+08:00","guessed":false,"end":"2026-03-23T10:52:42.489000+08:00","text":"我們覺得現階段……我想各位都知道，我們一般的衍生性商品都已經很不容易理解了，再來就以波動這麼大的這些產品，還有就是大家對它熟悉度不高的產品，直接就開放到衍生性商品，我想以臺灣現在的監理環境，我們也不認為現在馬上做就很適當。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:52:42.489000+08:00","guessed":false,"end":"2026-03-23T10:53:01.704000+08:00","text":"但是我剛剛也提到了，就是假設業者有這個能力，國際上也有很明確的規範，再來是有做很好的風控，我想這部分本來就是一個……我們已經預留在一個彈性裡面，所以我們已經對外講過很多次，其實我們隨時都可以來跟進……","quality":0.978},{"speaker":"李委員坤城","start":"2026-03-23T10:53:01.704000+08:00","guessed":false,"end":"2026-03-23T10:53:05.627000+08:00","text":"可是這個在國外應該算是滿成熟的一個產品了吧？","quality":0.952},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:53:05.867000+08:00","guessed":false,"end":"2026-03-23T10:53:12.150000+08:00","text":"其實也不是成熟，只是有人在做這些事情，當然這個東西牽涉到的槓桿倍數非常高。","quality":0.971},{"speaker":"李委員坤城","start":"2026-03-23T10:53:13.311000+08:00","guessed":false,"end":"2026-03-23T10:53:17.253000+08:00","text":"對，那目前在專法上面是沒有把這一部分規範在裡面？","quality":0.955},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:53:17.613000+08:00","guessed":false,"end":"2026-03-23T10:53:38.202000+08:00","text":"沒有，我們不是明文，我們就訂一個其他經主管機關同意的虛擬資產業務，這部分其實更廣、更有彈性，當然大家的目的都相同，只是說我們現在希望利用這個專法告訴各位，我們希望是一個比較穩健的方式來執行這樣的一個市場開放。","quality":0.958},{"speaker":"李委員坤城","start":"2026-03-23T10:53:40.592000+08:00","guessed":false,"end":"2026-03-23T10:53:51.684000+08:00","text":"在野黨他們所提出來的，是希望能夠開放一些衍生性的金融商品，目前按照主委所講的，應該是列在子法裡面去做處理嗎？","quality":0.96},{"speaker":"李委員坤城","start":"2026-03-23T10:53:51.684000+08:00","guessed":false,"end":"2026-03-23T10:53:52.886000+08:00","text":"還是怎麼樣？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:53:52.886000+08:00","guessed":true,"end":"2026-03-23T10:53:56.725000+08:00","text":"不是，子法裡面我剛才講過，剛剛報告的這兩個版本的條文裡面，它是直接在那個款裡面加一項衍生性商品的服務，經營這個叫做虛擬資產金融商，我想這部分其實我們剛才也提過了，我們開始立法的時候，大家就已經注意到了，那我們用「其他經主管機關」，我們不明列這個東西，其實……","quality":0.113},{"speaker":"李委員坤城","start":"2026-03-23T10:53:56.725000+08:00","guessed":false,"end":"2026-03-23T10:53:56.885000+08:00","text":"但是含嗎？","quality":0.75},{"speaker":"李委員坤城","start":"2026-03-23T10:53:56.885000+08:00","guessed":true,"end":"2026-03-23T10:54:16.525000+08:00","text":"含虛擬資產衍生性商品？","quality":0.1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:54:16.525000+08:00","guessed":false,"end":"2026-03-23T10:54:29.718000+08:00","text":"當然，我們在很多公開的場合也講說，我們從來都沒有說不願意做，我們只是想說希望我們用進階，這個東西給予主管機關比較大的監理彈性來做這件事情，我想也是保障我們的交易人。","quality":0.987},{"speaker":"李委員坤城","start":"2026-03-23T10:54:30.839000+08:00","guessed":false,"end":"2026-03-23T10:54:31.580000+08:00","text":"好，最後再問，現在這個虛擬資產它能夠列入我們企業的財報嗎？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:54:38.032000+08:00","guessed":false,"end":"2026-03-23T10:54:47.506000+08:00","text":"現在我們請我們的會研基金會……我們會計界在3月底會提出他們未來整個列帳相關的一些指引出來。","quality":0.976},{"speaker":"李委員坤城","start":"2026-03-23T10:54:47.506000+08:00","guessed":false,"end":"2026-03-23T10:54:48.267000+08:00","text":"對，那方向是怎麼樣？","quality":0.875},{"speaker":"高局長晶萍","start":"2026-03-23T10:54:52.893000+08:00","guessed":false,"end":"2026-03-23T10:55:01.243000+08:00","text":"報告委員，這個部分會基會已經有類似委外一個研究，那3月底、4月初大概會出來，會有一個指引給企業來使用。","quality":0.955},{"speaker":"李委員坤城","start":"2026-03-23T10:55:01.884000+08:00","guessed":false,"end":"2026-03-23T10:55:05.688000+08:00","text":"所以是朝向可以列入企業財報裡面嗎？","quality":1},{"speaker":"高局長晶萍","start":"2026-03-23T10:55:05.688000+08:00","guessed":false,"end":"2026-03-23T10:55:08.171000+08:00","text":"對，就是用什麼樣的會計項目、怎麼樣來入帳，或者怎麼……","quality":0.773},{"speaker":"李委員坤城","start":"2026-03-23T10:55:09.712000+08:00","guessed":false,"end":"2026-03-23T10:55:13.977000+08:00","text":"OK，反正會把它列進去就對了，就是要怎麼列的方法、怎麼去做處理就對了。","quality":0.903},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:55:14.457000+08:00","guessed":false,"end":"2026-03-23T10:55:25.828000+08:00","text":"對，我想在國際上已經有一些可以來參考，國內因為我們比較特殊的財會環境，必須要經過我們公布一些財會準則這樣的方式來揭露。","quality":0.945},{"speaker":"李委員坤城","start":"2026-03-23T10:55:27.410000+08:00","guessed":false,"end":"2026-03-23T10:55:29.112000+08:00","text":"好，謝謝、謝謝主委、謝謝主席。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:55:29.612000+08:00","guessed":true,"end":"2026-03-23T10:55:30.754857+08:00","text":"謝謝委員。","quality":0},{"speaker":"主席","start":"2026-03-23T10:55:31.054857+08:00","guessed":true,"end":"2026-03-23T10:55:35.054857+08:00","text":"謝謝，現在結束李坤城委員的質詢。","quality":0},{"speaker":"主席","start":"2026-03-23T10:55:35.354857+08:00","guessed":true,"end":"2026-03-23T10:55:37.926286+08:00","text":"接下來請羅明才委員。","quality":0}]}},"supported_relations":[],"relations":[]}