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謝局長跟蔡局長好 委員長那個彭主委 你有沒有去過杜拜沒有沒有喔對杜拜啊 它在這幾年把虛擬資產以及很多的財富管理"},{"start":48.366,"end":63.613,"text":"統統加大幅度讓杜拜平地起高樓成一個新的交易中心它的雄心壯志值不值得台灣的學習"},{"start":65.202,"end":90.806,"text":"其實杜拜從他過去開始有少量的石油他知道他未來的發展會受到局限開始全力發展境外的各種中心我覺得他們的本質上他有他非常非常令人刮目相看的成績那我想這個虛擬資產只是其中之一而已香港的金融中心地位現在逐年的下降"},{"start":92.438,"end":109.03,"text":"你會不會想把台灣打造成一個全世界華人的財富管理中心讓台灣成為全世界虛擬資產的交易中心"},{"start":111.174,"end":135.111,"text":"跟委員說明就是說我想我們在很多場合我們希望台灣成為在亞洲的資產管理中心之一這樣的一個計畫我們持續在推動這裡面包括很多比如說我們所謂的資產管理假設未來虛擬資產也是成為一個合規的資產項目的話那自然會隨著這個趨勢然後也納入到我們的整個的"},{"start":135.791,"end":160.936,"text":"未來發展規劃項目所以你的意思是說現在虛擬資產的交易不合規囉現在我們講說就跟全世界一樣就是說這個資產某種程度我剛才在報告裡提到各國都朝向專法讓它合規化來監管的這個模式來前進台灣也是這樣那這樣當然更有助於我們在政策上推動的一個基礎啦"},{"start":163.444,"end":181.735,"text":"那請央行那幾個數據也請諸位了解一下我們的外匯存底現在大概六千多億的美金全世界有哪幾個國家外匯存底裡面是有這個虛擬資產當作他的儲備的"},{"start":185.803,"end":208.538,"text":"是 各位有報告 我想大部分的主要國家應該都還沒有把這個比特幣等這些資產放入他的外匯存底因為這個可能在他的準備裡面會有但是外匯存底的定義裡面可能比較不容易美國的國庫署啊他們國家資產裡面有沒有虛擬貨幣"},{"start":210.087,"end":228.982,"text":"有 他們應該是之前沒收得到的但是這個也不會是放在外匯存體裡面是好 那請問美國有沒有相關虛擬貨幣的交易已經正式展開您是指央行跟外面的還是虛擬貨幣啊 在股市買賣來 請簡董事長好了"},{"start":236.766,"end":262.752,"text":"美國是去年還是前年有發了幾檔虛擬貨幣的ETF?據我所知,虛擬貨幣的ETF在美國、加拿大或其他有些國家是有在掛牌新加坡掛了沒?我沒有確定,不過我想應該要查一下才能確認"},{"start":264.589,"end":283.82,"text":"請問台灣的第一檔有關虛擬貨幣的資產第一個上市,上櫃買中心大概是什麼時候我們櫃買中心還沒有虛擬資產的ETF掛牌有沒有相關的個股是有關虛擬貨幣的"},{"start":288.583,"end":315.527,"text":"報告委員我們目前沒有這樣子的掛牌公司目前沒有嗎那你希望台灣第一個看得到是什麼時候向委員報告我想這個我們在虛擬資產的服務法相關的法規制度這些交易都必須要健全然後我們才可能再去衍生這個ETF相關的產品來掛牌我想這個應該是有順序的先後"},{"start":316.479,"end":337.357,"text":"好 那央行麻煩一下你會不會擔心以台幣計價的穩定幣及相關的合規的虛擬資產成為大多數人生活中的一小部分的時候央行的地位會受到影響"},{"start":339.5,"end":353.822,"text":"我想我們之前有分析過啦穩定幣目前來看的話它也是一種資產的一個配置它不會就對我們的金融體系來講並不會有目前來觀察是不會有太大的一個影響所以你不會怕它"},{"start":354.921,"end":376.084,"text":"就我們的銀行體系然後跟民眾持有這個穩定幣的部分那假設我們有在目前的法規的規範之下我認為這個不會是一個會變成對我們的金融體系造成一個威脅所以不怕他會不會面對他會不會面對他接受他照顧他愛護他"},{"start":379.488,"end":406.277,"text":"我想穩定幣的部分就央行的觀點就銀行的觀點我想這個部分應該跟這個是不太一樣我們央行的觀點一直都是著重在穩定幣是否視為貨幣它跟M2之間的一個替代的一個問題那我們之前都有分析過事實上這個在整個金融體系裡面在整個銀行體系裡面對貨幣的定義裡面影響並不是很大那這是我們央行所關注的部分那至於穩定幣"},{"start":407.757,"end":421.912,"text":"會不會如何健全發展關注他我想這個不是我們央行的職權我們央行關注的是他對M2的一個影響那現在央行發行的數字貨幣什麼時候開始正式上市"},{"start":425.044,"end":444.709,"text":"我們現在國內電子資助體系也相當的多元便利所以發行綠帖的CPTC這部分我們沒有急迫性但是我們現在有把CPTC的雛形平台轉換成數位金流平台然後支援政府發各種的數位券或數位幣"},{"start":445.589,"end":464.565,"text":"那目前是有支援客家委員會的客家幣那未來我們現在還要跟運動部的運動幣還有那個衛福部的健康幣在洽談合作之中 謝謝好 謝謝 那請那個彭主委台灣究竟是一個對虛擬資產 虛擬貨幣是比較正面支持的態度呢"},{"start":470.563,"end":496.665,"text":"或者根本你就是反對他們進來反對這個產業的發展當然不是跟我們說明其實我們這個產業已經在了我們從比如說從過去這麼多年來從剛才講的比如說他用聲明登記到現在其實我們現在市場已經有8家業者在運作對現在在的情況是大家可能不清楚本來有26家"},{"start":498.393,"end":510.826,"text":"倒到現在像你剛剛講的幾家應該講說我們篩選這些適合在台灣發展的對嘛 你就用篩選我是用民間懂的話叫做到倒啊那為什麼會不見為什麼會變少"},{"start":517.475,"end":535.995,"text":"就是變成你對這個產業裡面有積極的輔導嗎?其實我們輔導也要看對象就像比如過去很多過去在聲名制人因為當時的是因為反洗錢的這樣的規範所以很多發生了非常多的弊端我想社會都看到了"},{"start":536.556,"end":557.503,"text":"透過我們的管制讓這個市場逐步的邁入秩序而且穩健這是政府該做的事並不是說我們去把誰給弄到無法經營我想就是因為我們希望留下的業者都能夠確實的遵守而且持續的讓市場更為健全這是一個挑戰當然可是也是一個機會"},{"start":559.178,"end":577.554,"text":"你有沒有算過我們的這些上市公司很多它因為新台幣的上上下下對這個企業來講它有時候成本以及風險非常大非常大如果有一個新台幣計價"},{"start":581.058,"end":600.708,"text":"做發行依靠的新台幣的穩定幣每個人在接單的時候在國際上都可以確認他的支出他的成本他是可以算得出來的這個單一千億要接不接我們馬上就可以鎖住"},{"start":602.805,"end":627.633,"text":"現在每一次都還經過銀行的換匯你知道包括保險公司相關的這些匯損一年大概損失有多少不一定都匯損有時候會有因為利率在波動中交易的費用沒有它本質上就是一個波動帳面上本來就有波動不見得都是損失"},{"start":629.283,"end":657.083,"text":"保險公司出去你每次都要有一些賄損準備啊那是外交準備金我們現在有訂了非常非常明確的規定那這部分那只是因應他的波動這個外交準備金是其中之一啊一年大概七八十億十年就七八百億還有很多的企業都不回來啊因為他放香港低稅戶還有他的操作也比較快"},{"start":658.089,"end":678.661,"text":"你如果有一個新台幣計價的穩定幣會出現什麼情況如果禮拜五就可以決定了啊禮拜六禮拜天銀行不上班很多事情他都可以交割嘛而且台灣現在一年放假放幾天"},{"start":681.753,"end":692.409,"text":"這個我沒有統計一百一十五一百一十六天所以企業存在很多的不確定性有個穩定幣馬上就可以決定啊所以請 諸位"},{"start":697.369,"end":723.451,"text":"你現在倒是保持一個開放的態度還是非常保守又穩健的態度如果我們真的是非常保守就不會提這個專法也不會跟社會溝通這麼久的時間廣納各方的意見我想今天這個這個答詢就是因為在這樣一個開放的架構之下才有的這樣的這場的答詢那主任你歡迎不歡迎國外的"},{"start":725.799,"end":740.256,"text":"這個虛擬貨幣交易所他們來台灣投資我們現在我們的法規是中性的我們對國內外都一視同仁中性是我們中國人都是我們監理就是謹慎或審慎友好的態度面對虛擬資產服務業"},{"start":742.146,"end":759.496,"text":"外商可以來台灣投資當然法規已經很明確的未來的版本裡面都寫了你另外一個最近油價狂飆現在一桶石油世界的一桶價格是多少現在不同的報價有從90幾到110塊之間115 漲很多我們周邊的銀行也都去年都賺很多"},{"start":768.661,"end":796.249,"text":"那會不會趁機ATM手續費會調高啊或對民眾的一些費用會調高這當然不會啦我想這些東西它是一高度監管行業它也有肩負社會回饋的責任我想這部分不會有委員說會把我們那個費用把它調高的問題所以金融周邊產品不會趁機趁火打劫當然不會不會調高啦當然不會OK 好 謝謝謝謝 謝謝委員"}],"gazette":[{"speaker":"羅委員明才","start":"2026-03-23T10:55:34.029000+08:00","guessed":false,"end":"2026-03-23T10:55:34.549000+08:00","text":"主席、各位委員、出列席官員，大家好。","quality":0.786},{"speaker":"羅委員明才","start":"2026-03-23T10:55:34.569000+08:00","guessed":false,"end":"2026-03-23T10:55:34.609000+08:00","text":"主席，可否請彭主委？","quality":0.375},{"speaker":"主席","start":"2026-03-23T10:55:34.830000+08:00","guessed":false,"end":"2026-03-23T10:55:34.870000+08:00","text":"請彭主委。","quality":1},{"speaker":"羅委員明才","start":"2026-03-23T10:55:34.990000+08:00","guessed":false,"end":"2026-03-23T10:55:35.410000+08:00","text":"請OTC簡董事長。","quality":0.5},{"speaker":"主席","start":"2026-03-23T10:55:35.450000+08:00","guessed":false,"end":"2026-03-23T10:55:35.630000+08:00","text":"簡董事長。","quality":1},{"speaker":"羅委員明才","start":"2026-03-23T10:55:35.630000+08:00","guessed":false,"end":"2026-03-23T10:55:35.870000+08:00","text":"央行的兩位局長。","quality":1},{"speaker":"主席","start":"2026-03-23T10:56:01.009000+08:00","guessed":false,"end":"2026-03-23T10:56:02.590000+08:00","text":"兩位局長，謝局長跟蔡局長。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:56:03.571000+08:00","guessed":false,"end":"2026-03-23T10:56:04.051000+08:00","text":"委員早。","quality":0.667},{"speaker":"羅委員明才","start":"2026-03-23T10:56:04.732000+08:00","guessed":false,"end":"2026-03-23T10:56:10.396000+08:00","text":"彭主委，你有沒有去過杜拜？沒有。沒有？對。","quality":1},{"speaker":"羅委員明才","start":"2026-03-23T10:56:10.396000+08:00","guessed":false,"end":"2026-03-23T10:56:37.613000+08:00","text":"杜拜在這幾年把虛擬資產以及很多的財富管理通通加大幅度，讓杜拜平地起高樓成一個新的交易中心，他的雄心壯志值不值得臺灣學習？","quality":0.947},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:56:39.202000+08:00","guessed":false,"end":"2026-03-23T10:56:58.380000+08:00","text":"其實杜拜從他過去開始有少量的石油，他知道他未來的發展會受到侷限，開始全力發展境外的各種中心，我覺得他們本質上有他非常非常令人刮目相看的成績，我想虛擬資產只是其中之一而已。","quality":0.988},{"speaker":"羅委員明才","start":"2026-03-23T10:57:00.221000+08:00","guessed":false,"end":"2026-03-23T10:57:23.010000+08:00","text":"香港的金融中心地位現在逐年的下降，你會不會想把臺灣打造成一個全世界華人的財富管理中心，讓臺灣成為全世界虛擬資產的交易中心？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:57:25.174000+08:00","guessed":false,"end":"2026-03-23T10:57:50.691000+08:00","text":"跟委員說明，我想我們在很多場合，我們希望臺灣成為亞洲的資產管理中心之一，這樣的計畫我們持續在推動，這裡面包括很多，比如說我們所謂的資產管理，假設未來虛擬資產也成為一個合規的資產項目的話，那自然會隨著這個趨勢，然後也納入到我們整個未來發展規劃的項目，我想這個是要隨著時間……","quality":0.912},{"speaker":"羅委員明才","start":"2026-03-23T10:57:51.051000+08:00","guessed":false,"end":"2026-03-23T10:57:56.752000+08:00","text":"所以你的意思是說現在虛擬資產的交易不合規？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T10:57:56.752000+08:00","guessed":false,"end":"2026-03-23T10:58:14.916000+08:00","text":"不是，現在我們講說……就跟全世界一樣，這個資產某種程度……我剛才在報告裡提到，各國都朝向專法讓它合規化來監管的這個模式前進，臺灣也是這樣，那這樣當然更有助於我們在政策上推動的一個基礎。","quality":0.976},{"speaker":"羅委員明才","start":"2026-03-23T10:58:17.444000+08:00","guessed":false,"end":"2026-03-23T10:58:18.544000+08:00","text":"好，那請央行。","quality":0.8},{"speaker":"羅委員明才","start":"2026-03-23T10:58:20.586000+08:00","guessed":false,"end":"2026-03-23T10:58:35.715000+08:00","text":"幾個數據也請主委了解一下，我們的外匯存底現在大概是六千多億美金，全世界有哪幾個國家外匯存底裡面是有虛擬資產當作他的儲備的？","quality":0.948},{"speaker":"蔡局長烱民","start":"2026-03-23T10:58:40.684000+08:00","guessed":false,"end":"2026-03-23T10:58:57.755000+08:00","text":"跟委員報告，大部分的主要國家應該都還沒有把比特幣等這些資產放入他的外匯存底，這個可能在他的準備裡面會有，但是外匯存底的定義裡面可能這個比較不容易。好。","quality":0.914},{"speaker":"羅委員明才","start":"2026-03-23T10:58:58.275000+08:00","guessed":false,"end":"2026-03-23T10:59:02.538000+08:00","text":"請問美國的國庫署，他們的國家資產裡面有沒有虛擬貨幣？","quality":0.875},{"speaker":"蔡局長烱民","start":"2026-03-23T10:59:04.087000+08:00","guessed":false,"end":"2026-03-23T10:59:09.772000+08:00","text":"有，他們應該是之前沒收得到的，但是這個也不會是放在外匯存底裡面。好。","quality":0.967},{"speaker":"羅委員明才","start":"2026-03-23T10:59:10.933000+08:00","guessed":false,"end":"2026-03-23T10:59:18.459000+08:00","text":"請問美國有沒有相關虛擬貨幣的交易已經正式展開？","quality":1},{"speaker":"蔡局長烱民","start":"2026-03-23T10:59:18.459000+08:00","guessed":false,"end":"2026-03-23T10:59:21.841000+08:00","text":"您是指央行跟外面的還是……","quality":1},{"speaker":"羅委員明才","start":"2026-03-23T10:59:22.002000+08:00","guessed":false,"end":"2026-03-23T10:59:22.662000+08:00","text":"股市，虛擬貨幣在股市買賣。","quality":0.818},{"speaker":"羅委員明才","start":"2026-03-23T10:59:22.662000+08:00","guessed":false,"end":"2026-03-23T10:59:22.962000+08:00","text":"請簡董事長好了。","quality":1},{"speaker":"簡董事長立忠","start":"2026-03-23T10:59:22.962000+08:00","guessed":true,"end":"2026-03-23T10:59:30.766000+08:00","text":"委員好。","quality":0},{"speaker":"羅委員明才","start":"2026-03-23T10:59:30.766000+08:00","guessed":false,"end":"2026-03-23T10:59:35.307000+08:00","text":"美國在去年還是前年有發了幾檔虛擬貨幣的ETF？","quality":0.955},{"speaker":"簡董事長立忠","start":"2026-03-23T10:59:37.308000+08:00","guessed":false,"end":"2026-03-23T10:59:46.750000+08:00","text":"據我所知，虛擬貨幣的ETF在美國、加拿大或其他一些國家是有在掛牌。","quality":0.967},{"speaker":"羅委員明才","start":"2026-03-23T10:59:47.550000+08:00","guessed":false,"end":"2026-03-23T10:59:48.450000+08:00","text":"在新加坡掛了沒？","quality":0.857},{"speaker":"簡董事長立忠","start":"2026-03-23T10:59:51.011000+08:00","guessed":false,"end":"2026-03-23T10:59:56.752000+08:00","text":"我沒有確定的……不過我想應該要查一下才能確認。","quality":0.95},{"speaker":"羅委員明才","start":"2026-03-23T10:59:58.589000+08:00","guessed":false,"end":"2026-03-23T11:00:07.874000+08:00","text":"好，請問臺灣第一檔有關虛擬貨幣資產，第一個上市、上櫃買中心的大概是什麼時候？","quality":0.941},{"speaker":"簡董事長立忠","start":"2026-03-23T11:00:10.516000+08:00","guessed":false,"end":"2026-03-23T11:00:13.958000+08:00","text":"我們櫃買中心還沒有虛擬資產的ETF掛牌。","quality":1},{"speaker":"羅委員明才","start":"2026-03-23T11:00:15.058000+08:00","guessed":false,"end":"2026-03-23T11:00:17.800000+08:00","text":"有沒有相關的個股是有關虛擬貨幣的？","quality":1},{"speaker":"簡董事長立忠","start":"2026-03-23T11:00:22.583000+08:00","guessed":false,"end":"2026-03-23T11:00:25.926000+08:00","text":"報告委員，我們目前沒有這樣子的掛牌公司。","quality":1},{"speaker":"羅委員明才","start":"2026-03-23T11:00:26.126000+08:00","guessed":false,"end":"2026-03-23T11:00:27.267000+08:00","text":"目前沒有嗎？","quality":1},{"speaker":"羅委員明才","start":"2026-03-23T11:00:27.428000+08:00","guessed":false,"end":"2026-03-23T11:00:30.370000+08:00","text":"你希望臺灣第一個看得到的是什麼時候？","quality":0.941},{"speaker":"簡董事長立忠","start":"2026-03-23T11:00:33.132000+08:00","guessed":false,"end":"2026-03-23T11:00:49.507000+08:00","text":"向委員報告，我想我們在虛擬資產服務法、相關的法規制度，這些交易都必須要健全，我們才可能再去衍生相關的ETF產品來掛牌，這個應該是有順序先後。","quality":0.953},{"speaker":"羅委員明才","start":"2026-03-23T11:00:50.479000+08:00","guessed":false,"end":"2026-03-23T11:01:11.357000+08:00","text":"好，麻煩一下央行，會不會擔心以臺幣計價的穩定幣及相關合規的虛擬資產成為大多數人生活中一小部分的時候，央行的地位會受到影響？","quality":0.965},{"speaker":"蔡局長烱民","start":"2026-03-23T11:01:13.500000+08:00","guessed":false,"end":"2026-03-23T11:01:27.081000+08:00","text":"我們之前有分析過了，穩定幣以目前來看的話，它也是一種資產的配置，對我們的金融體系來講，以目前觀察，是不會有太大的影響？","quality":0.943},{"speaker":"羅委員明才","start":"2026-03-23T11:01:27.081000+08:00","guessed":false,"end":"2026-03-23T11:01:27.802000+08:00","text":"所以你不會怕它？","quality":1},{"speaker":"蔡局長烱民","start":"2026-03-23T11:01:28.921000+08:00","guessed":false,"end":"2026-03-23T11:01:43.377000+08:00","text":"就我們的銀行體系跟民眾持有穩定幣的部分，在目前法規的規範之下，我認為這個不會對我們的金融體系造成威脅。","quality":1},{"speaker":"羅委員明才","start":"2026-03-23T11:01:43.377000+08:00","guessed":false,"end":"2026-03-23T11:01:46.580000+08:00","text":"所以不怕它，會不會面對它？","quality":0.818},{"speaker":"羅委員明才","start":"2026-03-23T11:01:47.521000+08:00","guessed":false,"end":"2026-03-23T11:01:50.064000+08:00","text":"會不會面對它、接受它、照顧它、愛護它？","quality":0.733},{"speaker":"蔡局長烱民","start":"2026-03-23T11:01:54.188000+08:00","guessed":false,"end":"2026-03-23T11:02:10.113000+08:00","text":"穩定幣的部分，就央行的觀點、就銀行的觀點，這部分應該跟這個是不太一樣，我們央行的觀點一直都是著重在穩定幣是否視為貨幣，它跟M2之間的替代問題，我們之前都有分析過。","quality":1},{"speaker":"蔡局長烱民","start":"2026-03-23T11:02:10.113000+08:00","guessed":false,"end":"2026-03-23T11:02:30.426000+08:00","text":"事實上，這個在整個金融體系裡面、在整個銀行體系裡面對貨幣的定義，影響並不是很大，這是我們央行所關注的部分，至於穩定幣會不會……如何健全發展、關注它，我想這個不是我們央行的職權，央行關注的是它對M2的影響。","quality":0.978},{"speaker":"羅委員明才","start":"2026-03-23T11:02:30.546000+08:00","guessed":false,"end":"2026-03-23T11:02:35.892000+08:00","text":"現在央行發行的數字貨幣什麼時候要開始正式上市？","quality":0.955},{"speaker":"謝局長鳳瑛","start":"2026-03-23T11:02:35.892000+08:00","guessed":true,"end":"2026-03-23T11:02:40.198500+08:00","text":"跟委員報告，我們上次有說過，因為我們……","quality":0.125},{"speaker":"羅委員明才","start":"2026-03-23T11:02:40.198500+08:00","guessed":true,"end":"2026-03-23T11:02:44.505000+08:00","text":"謝鳳瑛謝局長？","quality":0},{"speaker":"謝局長鳳瑛","start":"2026-03-23T11:02:44.505000+08:00","guessed":false,"end":"2026-03-23T11:03:09.718000+08:00","text":"是，現在國內電子支付體系也相當的多元便利，所以發行Retail的CBDC這部分，我們沒有急迫性，但是我們現在有把CBDC的雛形平台轉換成數位金流平台，來支援政府發各種的數位券或數位幣，目前是有支援客家委員會的客家幣，我們現在還在跟運動部的運動幣，還有衛福部的健康幣在洽談合作之中，謝謝。","quality":0.872},{"speaker":"羅委員明才","start":"2026-03-23T11:03:09.718000+08:00","guessed":false,"end":"2026-03-23T11:03:10.378000+08:00","text":"好，謝謝。","quality":1},{"speaker":"羅委員明才","start":"2026-03-23T11:03:10.739000+08:00","guessed":false,"end":"2026-03-23T11:03:29.847000+08:00","text":"請彭主委，臺灣對於虛擬資產、虛擬貨幣是持比較正面支持的態度，或者你根本就是反對他們進來、反對這個產業的發展？","quality":0.939},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:03:30.328000+08:00","guessed":false,"end":"2026-03-23T11:03:43.879000+08:00","text":"當然不是，跟委員說明，其實這個產業已經在了，我們從過去這麼多年來，從剛才講的，它用聲明、登記到現在，其實現在市場已經有8家業者在運作，其實……","quality":0.917},{"speaker":"羅委員明才","start":"2026-03-23T11:03:45.480000+08:00","guessed":false,"end":"2026-03-23T11:03:54.095000+08:00","text":"主委，現在還在的情況大家可能很不清楚，本來有26家，倒到現在剩下你剛剛講的幾家？","quality":0.824},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:03:55.116000+08:00","guessed":false,"end":"2026-03-23T11:03:59.100000+08:00","text":"應該講說我們篩選這些適合在臺灣發展……對嘛！","quality":1},{"speaker":"羅委員明才","start":"2026-03-23T11:03:59.260000+08:00","guessed":false,"end":"2026-03-23T11:04:03.525000+08:00","text":"你就用篩選，我是用民間懂的話叫做「做到倒了」……","quality":0.895},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:04:03.525000+08:00","guessed":true,"end":"2026-03-23T11:04:04.586000+08:00","text":"不是，其實從過去很多業者的發展過程當中……","quality":0},{"speaker":"羅委員明才","start":"2026-03-23T11:04:04.586000+08:00","guessed":false,"end":"2026-03-23T11:04:04.766000+08:00","text":"為什麼會不見？","quality":1},{"speaker":"羅委員明才","start":"2026-03-23T11:04:04.766000+08:00","guessed":false,"end":"2026-03-23T11:04:04.806000+08:00","text":"為什麼會變少？","quality":1},{"speaker":"羅委員明才","start":"2026-03-23T11:04:11.475000+08:00","guessed":false,"end":"2026-03-23T11:04:15.960000+08:00","text":"就是你對這個產業沒有積極的輔導。","quality":0.933},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:04:15.960000+08:00","guessed":false,"end":"2026-03-23T11:04:47.941000+08:00","text":"其實我們輔導也要看對象，比如過去在聲明制，當時是有反洗錢這樣的規範，因為發生了非常多的弊端，我想社會都看到了，透過我們的管制，讓這個市場逐步邁入秩序而且穩健，這是政府該做的事，並不是說我們去把誰給弄到無法經營，就是因為我們希望留下的業者都能夠確實遵守，而且持續的讓市場更為健全。","quality":0.969},{"speaker":"羅委員明才","start":"2026-03-23T11:04:48.902000+08:00","guessed":false,"end":"2026-03-23T11:04:50.462000+08:00","text":"所以這是一個挑戰。當然。","quality":0.8},{"speaker":"羅委員明才","start":"2026-03-23T11:04:50.742000+08:00","guessed":false,"end":"2026-03-23T11:05:34.688000+08:00","text":"可是也是一個機會，你有沒有算過這些上市公司很多因為新臺幣的上上下下，對企業來講，有時候成本以及風險非常大，如果有一個新臺幣計價做發行依靠的新臺幣的穩定幣，每個人在接單的時候，在國際上都可以確認他的支出及成本，他是可以算得出來的，這個單1,000億，要接還是不接，馬上就可以鎖住。","quality":0.968},{"speaker":"羅委員明才","start":"2026-03-23T11:05:36.805000+08:00","guessed":false,"end":"2026-03-23T11:05:49.589000+08:00","text":"現在每一次都還要經過銀行的換匯，你知道包括保險公司相關的匯損，一年損失大概有多少？","quality":0.921},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:05:50.269000+08:00","guessed":false,"end":"2026-03-23T11:05:53.590000+08:00","text":"不一定都匯損，有時候會有……因為匯率在波動中……","quality":0.947},{"speaker":"羅委員明才","start":"2026-03-23T11:05:54.170000+08:00","guessed":false,"end":"2026-03-23T11:05:54.731000+08:00","text":"交易的費用。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:05:56.571000+08:00","guessed":false,"end":"2026-03-23T11:06:01.613000+08:00","text":"沒有，它本質上就是一個波動，帳面上本來就會有波動，不見得都是損失。","quality":0.966},{"speaker":"羅委員明才","start":"2026-03-23T11:06:03.283000+08:00","guessed":false,"end":"2026-03-23T11:06:06.366000+08:00","text":"保險公司出去，每次都要有一些匯損準備。","quality":0.941},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:06:07.607000+08:00","guessed":false,"end":"2026-03-23T11:06:17.334000+08:00","text":"那是外價準備金，我們現在有定了非常非常明確的規定，這部分只是因應波動，外價準備金是其中之一。","quality":0.929},{"speaker":"羅委員明才","start":"2026-03-23T11:06:17.794000+08:00","guessed":false,"end":"2026-03-23T11:06:38.112000+08:00","text":"一年大概七、八十億，十年就七、八百億，還有很多的企業都不回來，因為它放香港是低稅賦，還有它的操作也比較快，如果有一個新臺幣計價的穩定幣會出現什麼情況？","quality":0.94},{"speaker":"羅委員明才","start":"2026-03-23T11:06:38.112000+08:00","guessed":false,"end":"2026-03-23T11:06:46.477000+08:00","text":"比如禮拜五就可以決定了，禮拜六、禮拜天銀行不上班，但它都可以做交割。","quality":0.867},{"speaker":"羅委員明才","start":"2026-03-23T11:06:48.718000+08:00","guessed":false,"end":"2026-03-23T11:06:52.641000+08:00","text":"而且臺灣現在一年放假放幾天？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:06:55.753000+08:00","guessed":false,"end":"2026-03-23T11:06:56.234000+08:00","text":"這個我們有統計……","quality":0.857},{"speaker":"羅委員明才","start":"2026-03-23T11:06:59.138000+08:00","guessed":false,"end":"2026-03-23T11:07:05.688000+08:00","text":"115、116天，所以企業存在很多不確定性，有個穩定幣馬上就可以決定。","quality":1},{"speaker":"羅委員明才","start":"2026-03-23T11:07:11.369000+08:00","guessed":false,"end":"2026-03-23T11:07:18.235000+08:00","text":"主委，你現在到底是保持一個開放的態度，還是非常保守又穩健的態度？","quality":0.862},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:07:18.495000+08:00","guessed":false,"end":"2026-03-23T11:07:34.048000+08:00","text":"如果我們真的是非常保守，就不會提這個專法，也不會跟社會溝通這麼久的時間，廣納各方的意見，我想就是因為在這樣一個開放的架構之下，才有今天這場答詢。","quality":0.97},{"speaker":"羅委員明才","start":"2026-03-23T11:07:34.188000+08:00","guessed":false,"end":"2026-03-23T11:07:42.502000+08:00","text":"主委，你歡不歡迎國外的虛擬貨幣交易所來臺灣投資？","quality":0.955},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:07:43.363000+08:00","guessed":false,"end":"2026-03-23T11:07:46.767000+08:00","text":"我們的法規是中性的，我們對國內外都一視同仁。","quality":1},{"speaker":"羅委員明才","start":"2026-03-23T11:07:48.550000+08:00","guessed":false,"end":"2026-03-23T11:07:51.073000+08:00","text":"中性是歡迎，是不是？","quality":0.5},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:07:51.233000+08:00","guessed":false,"end":"2026-03-23T11:07:54.256000+08:00","text":"我們說過很多次，監理就是以謹慎或審慎友好的態度面對虛擬資產服務業。","quality":0.806},{"speaker":"羅委員明才","start":"2026-03-23T11:07:56.146000+08:00","guessed":false,"end":"2026-03-23T11:07:57.687000+08:00","text":"外商可以來臺灣投資？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:07:57.687000+08:00","guessed":false,"end":"2026-03-23T11:08:00.469000+08:00","text":"當然，法規已經很明確，未來的版本裡面都寫得很清楚。","quality":0.818},{"speaker":"羅委員明才","start":"2026-03-23T11:08:00.789000+08:00","guessed":false,"end":"2026-03-23T11:08:10.034000+08:00","text":"另外一個就是最近油價狂飆，現在一桶石油世界的價格是多少？","quality":0.923},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:08:10.454000+08:00","guessed":false,"end":"2026-03-23T11:08:11.915000+08:00","text":"現在有不同的報價，有從九十幾到110塊之間。","quality":0.824},{"speaker":"羅委員明才","start":"2026-03-23T11:08:11.915000+08:00","guessed":false,"end":"2026-03-23T11:08:31.524000+08:00","text":"115，漲很多，我們周邊的銀行今年、去年都賺很多，會不會趁機比如把ATM手續費調高或者對民眾的一些費用調高？","quality":0.87},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:08:32.144000+08:00","guessed":false,"end":"2026-03-23T11:08:42.407000+08:00","text":"這當然不會啦，這些東西是高度監管行業，它肩負社會回饋的責任，我想這部分不會有委員所說把費用調高的問題。","quality":0.979},{"speaker":"羅委員明才","start":"2026-03-23T11:08:42.407000+08:00","guessed":false,"end":"2026-03-23T11:08:46.688000+08:00","text":"所以金融周邊產品不會趁機趁火打劫？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:08:47.229000+08:00","guessed":false,"end":"2026-03-23T11:08:48.169000+08:00","text":"當然不會。","quality":1},{"speaker":"羅委員明才","start":"2026-03-23T11:08:48.169000+08:00","guessed":false,"end":"2026-03-23T11:08:48.689000+08:00","text":"不會調高啦？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:08:48.989000+08:00","guessed":false,"end":"2026-03-23T11:08:49.989000+08:00","text":"當然不會。OK！","quality":1},{"speaker":"羅委員明才","start":"2026-03-23T11:08:50.129000+08:00","guessed":false,"end":"2026-03-23T11:08:50.229000+08:00","text":"好，謝謝。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:08:50.229000+08:00","guessed":false,"end":"2026-03-23T11:08:50.249000+08:00","text":"謝謝委員。","quality":1},{"speaker":"主席","start":"2026-03-23T11:08:50.749000+08:00","guessed":true,"end":"2026-03-23T11:08:54.463286+08:00","text":"好，我們結束羅明才委員的質詢。","quality":0},{"speaker":"主席","start":"2026-03-23T11:08:54.763286+08:00","guessed":true,"end":"2026-03-23T11:08:57.334714+08:00","text":"接下來請顏寬恒委員。","quality":0}]}},"supported_relations":[],"relations":[]}