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當然我應該提到其實RWA全世界大概現在應該是交易大概300億美元左右剛剛跟委員講的差不多那但相較於比如說虛擬資產3.3兆美元還是比較小那比如說我們我們的穩定幣大概也有3000多億的這樣一個所以RWA在過去呢大概還是在等於說在剛開始"},{"start":166.034,"end":192.915,"text":"這個發展的階段不過大家有看好他的潛力啦齁那其實我們在過去呢其實一直很持續的去針對RWA怎麼樣落地在台灣有非常非常多的討論那我們也最近也都按照我們現在過去的實驗的結果呢逐步在讓他落地的過程當中我想如果有有相關的決議我們會很快跟社會做報告接著請教主委現在的這個"},{"start":194.948,"end":212.42,"text":"詐騙集團的犯罪手法早就不是單純的電話詐騙或者是虛擬貨幣的交易它結合了自建的平台、地下會對、即時通訊還有人頭賬戶形成一整套去中心化"},{"start":213.22,"end":236.36,"text":"那這些平台不需要對外公開也不需要上架到這個交易所更不需要真正的一個區塊鏈技術就可以模擬出虛擬資產的一個流通效果讓資金在帳面上移動但實際上卻透過車手跟地下管道完成交付不只是洗錢啦它涉及的詐騙還有更高風險的一個犯罪"},{"start":238.502,"end":258.615,"text":"未來一旦專法通過 今晚會是否能夠針對這些未許可的影子平台建立更快速的一個行政查緝跟刑事移送機制不是像現在都只被動的來等待民眾的報案能夠更有力道來執行這一些查緝"},{"start":259.335,"end":285.254,"text":"其實我們從過去打炸專法裡面就把VASP納入到我們的這些執行的範圍這是我們專法裡面特別有一條來強化這一塊我們也會有一個執法不過剛剛委員提到就是說自從我們開始採用登記制以後所有這些東西你只要沒有經過許可去做這件事情的時候大家都違法我想過去我們的檢警調其實已經查獲主動查獲非常非常多這樣的案例我想"},{"start":287.016,"end":300.225,"text":"這個是會要透過跨部會來協作啦我們在這方面呢我們會透過立法約束那其他如果你沒有合規的部分除了透過民眾檢舉以外主動偵辦我想這個各部會都已經在做"},{"start":303.623,"end":329.358,"text":"這個我想虛擬資產的一個去中心化跨境特性它已經成為國內詐騙跟洗錢犯罪的最佳的護盾那犯罪集團利用境外平台作為這個資金的中轉站它就是看準的說我們的這個監管權力難以跨越國境嘛那根據今天審查的草案我們已經納入了國際合作跟行政處分的框架那面對"},{"start":331.3,"end":351.139,"text":"那些刻意躲在監管寬鬆的地區甚至於說明知是詐騙洗錢仍然提供服務的這些境外平台我想我們不能只有這種柔性的請求那我們應該是要有實質的一個斷根手段的一個做法所以我想說"},{"start":353.441,"end":378.761,"text":"我想要請教主委說願不願意針對刻意服務台灣詐騙與洗錢的這些境外評改他已經是針對刻意在服務這些詐騙集團洗錢集團的一個境外評改那儘管會建議具體的一個法律機制例如譬如說限制他對台灣的一個金流往返要求金融機構或者是支付系統全面阻斷"},{"start":379.682,"end":406.232,"text":"全面阻斷那甚至於強制退出台灣市場的一個強硬措施主委可以這樣子當然任何非法的平台我剛講過以現在的法規它就是違法我們就已經按照中華民國法律就要嚴格查緝但它如果要在境外的部分我還講過我們一部法律能夠有更多的控制節點的話對於像這樣的一個不法行為的掌控就會更高比如說剛剛委員提到"},{"start":406.932,"end":434.008,"text":"假設我們已經有很明確的黑名單 灰名單這部分就我們受管轄的這些虛擬資產或是金融業者那我們就可以建立相當的防控機制這些都是未來我們必須要強化來努力的部分就是說我們在這部專法已經設計更多的掌控點那這未來當然是對這個東西的保護當然會更周延這也是我們立法很重要的目的"},{"start":435.148,"end":464.127,"text":"好了 我再請教主委就是未來專法的落實就是說強制要求所有與台灣有業務往來的平台這些境外平台必須要全面落實我們一個轉帳規則如果說在法律上不願意提供清楚的交易身份資料我們就直接視為說是一個非法營運由金管會這邊來採取斷絕金流或者是撤銷許可的一些強硬行政措施"},{"start":465.134,"end":481.289,"text":"我是要求金管會一定要強硬對 當然就我剛才講說違法的事情這一定就是沒有什麼沒有什麼這個空間啦剛才委員提到假設他境外假設他今天是一個有疑的我們假設境內的這些VASP或金融機構要跟他做往來的時候"},{"start":481.809,"end":497.034,"text":"他已經被列入黑名單或是甚至可疑的灰名單這時候我們就可以對國內這些業者進行管理對不對他就不可以跟他做往來這其實上就像我們現在規定我們現在金融業不可以跟沒有跟我們合規的交易所進行往來是一樣的"},{"start":498.314,"end":518.644,"text":"所以請主委一定要在這個保護被害人這個辛苦血汗錢不被詐騙那打擊犯罪的這些惡意犯罪這個洗錢集團的這樣子的一個信念那我們一定要用強硬的手段來做後續這些事情是當然是好的謝謝謝謝委員"}],"gazette":[{"speaker":"顏委員寬恒","start":"2026-03-23T11:08:56+08:00","guessed":true,"end":"2026-03-23T11:08:57+08:00","text":"謝謝主席。","quality":0},{"speaker":"顏委員寬恒","start":"2026-03-23T11:08:57+08:00","guessed":true,"end":"2026-03-23T11:08:58+08:00","text":"各位列席官員，大家好。","quality":0},{"speaker":"顏委員寬恒","start":"2026-03-23T11:08:58+08:00","guessed":true,"end":"2026-03-23T11:08:59+08:00","text":"主席，有請金管會彭主委。","quality":0},{"speaker":"主席","start":"2026-03-23T11:08:59+08:00","guessed":true,"end":"2026-03-23T11:09:00+08:00","text":"請彭主委。","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:09:00+08:00","guessed":true,"end":"2026-03-23T11:09:01+08:00","text":"委員好。","quality":0},{"speaker":"顏委員寬恒","start":"2026-03-23T11:09:01+08:00","guessed":true,"end":"2026-03-23T11:09:02+08:00","text":"主委好。","quality":0},{"speaker":"顏委員寬恒","start":"2026-03-23T11:08:56.069000+08:00","guessed":false,"end":"2026-03-23T11:09:30.648000+08:00","text":"主委，虛擬資產服務法草案，金管會早在114年6月份就已經送到行政院，行政院遲遲不將法案送到立法院審議，你們有向行政院催促這個進度嗎？","quality":0.982},{"speaker":"顏委員寬恒","start":"2026-03-23T11:09:30.648000+08:00","guessed":false,"end":"2026-03-23T11:09:33.089000+08:00","text":"行政院有沒有跟你們透露說什麼時候會送來立法院？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:09:33.557000+08:00","guessed":false,"end":"2026-03-23T11:09:52.190000+08:00","text":"我想這部分其實行政院並沒有遲遲不審，因為這個畢竟是一個新的法律，透過兩位政委在過去開了非常多的會跟各個單位做協商，我們也開了很多很多的公聽會，這個案子應該在行政院所有的審查程序已經結束，應該是提報院會以後，很快就送到大院來了。","quality":0.972},{"speaker":"顏委員寬恒","start":"2026-03-23T11:09:54.873000+08:00","guessed":false,"end":"2026-03-23T11:10:01.037000+08:00","text":"還是拜託你們跟行政院催促一下，虛擬資產服務法不能等。","quality":1},{"speaker":"顏委員寬恒","start":"2026-03-23T11:10:02.398000+08:00","guessed":false,"end":"2026-03-23T11:10:36.937000+08:00","text":"在此請教主委，現在國際上非常關注的RWA，也就是實體資產代幣化，像是債券、基金、房地產的數位化以及實體資產代幣化，這些已經從實驗階段走向主流的金融體系，最新的數據顯示如果不計入穩定幣，代幣化的市場規模已經突破250億美元，相較於去年大概增加了四倍，一年前是64億美元。","quality":0.873},{"speaker":"顏委員寬恒","start":"2026-03-23T11:10:37.577000+08:00","guessed":false,"end":"2026-03-23T11:10:47.179000+08:00","text":"今天審查版本有提到創新實驗，我認為如果監管過於保守，可能就會錯失推動我國成為亞洲資產管理中心的好機會。","quality":1},{"speaker":"顏委員寬恒","start":"2026-03-23T11:10:48.340000+08:00","guessed":false,"end":"2026-03-23T11:11:01.782000+08:00","text":"金管會目前的RWA代幣化小組已經有初步的報告，未來是否已經預留彈性空間，讓虛擬資產不只是買賣、投資，還能夠與實體產業結合？","quality":0.964},{"speaker":"顏委員寬恒","start":"2026-03-23T11:11:03.584000+08:00","guessed":false,"end":"2026-03-23T11:11:16.692000+08:00","text":"未來金管會是否會主動引導銀行與合規的VASP合作推動資產上鏈的試點計畫，而不是讓臺灣的金融創新停留在實驗的階段？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:11:19.888000+08:00","guessed":false,"end":"2026-03-23T11:11:44.115000+08:00","text":"其實現在RWA全世界的交易大概是300億美元左右，跟委員剛剛講的差不多，但相較於虛擬資產的3.3兆美元，還是比較小，包括我們的穩定幣大概也有三千多億這樣的規模，所以RWA大概還是在剛開始發展的階段，不過大家當然也看好它的潛力。","quality":0.822},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:11:45.917000+08:00","guessed":false,"end":"2026-03-23T11:12:05.512000+08:00","text":"過去我們一直持續針對RWA怎麼樣落地在臺灣有非常非常多的討論，最近我們也都按照過去實驗的結果，逐步在讓它落地的過程當中，如果有相關的決議，我們會很快地跟社會報告。","quality":0.921},{"speaker":"顏委員寬恒","start":"2026-03-23T11:12:07.234000+08:00","guessed":false,"end":"2026-03-23T11:12:52.340000+08:00","text":"接著請教主委，現在詐騙集團的犯罪手法早就不是單純的電話詐騙或是虛擬貨幣的交易，它結合了自建的平臺，搭配地下匯兌、即時通訊以及人頭帳戶形成一整套的去中心化，這些平臺不需要對外公開，也不需要上架到交易所，更不需要真正的區塊鏈技術，就可以模擬出虛擬資產的流通效果，讓資金在帳面上移動，但實際上卻透過車手跟地下管道完成交付，不只是洗錢，它涉及的詐騙還有更高風險的犯罪。","quality":0.952},{"speaker":"顏委員寬恒","start":"2026-03-23T11:12:54.502000+08:00","guessed":false,"end":"2026-03-23T11:13:14.615000+08:00","text":"未來一旦專法通過，金管會是否能夠針對這些未經許可的影子平臺，建立更快速的行政查緝及刑事移送機制，而不是像現在都只是被動地等待民眾來報案，是不是能夠更有力道來執行這一些查緝？","quality":0.864},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:13:15.335000+08:00","guessed":false,"end":"2026-03-23T11:13:26.323000+08:00","text":"其實我們從過去就已經把VASP納入到打詐專法裡面的執行範圍，這次專法裡面特別有一條來強化這一塊，我們也會有相關子法。","quality":0.782},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:13:26.503000+08:00","guessed":false,"end":"2026-03-23T11:13:56.205000+08:00","text":"不過剛剛委員提到自從我們開始採用登記制以後，只要沒有經過許可去做這件事情，大概都違法，過去檢警調已經主動查獲非常多這樣的案例，我想這要透過跨部會協作，這方面我們會透過立法約束，其他沒有合規的部分，除了透過民眾檢舉以外，主動偵辦我想各部會都已經在做了。","quality":0.983},{"speaker":"顏委員寬恒","start":"2026-03-23T11:14:00.844000+08:00","guessed":false,"end":"2026-03-23T11:14:46.398000+08:00","text":"虛擬資產去中心化的跨境特性已經成為國內詐騙跟洗錢犯罪的最佳護盾，犯罪集團利用境外平臺作為資金的中轉站，它就是看準了我們的監管權力難以跨越國境，根據今天審查的草案，我們已經納入國際合作跟行政處分的框架，面對那些刻意躲在監管寬鬆的地區，甚至明知是詐騙洗錢，仍然提供服務的這些境外平臺，我想不能只有這種柔性的請求，而應該要有實質斷根手段的做法。","quality":0.981},{"speaker":"顏委員寬恒","start":"2026-03-23T11:14:49.441000+08:00","guessed":false,"end":"2026-03-23T11:15:07.355000+08:00","text":"針對這部分，我想要請教主委，針對刻意服務詐騙集團與洗錢集團的這些境外平臺，金管會願不願意建議具體的法律機制？","quality":0.68},{"speaker":"顏委員寬恒","start":"2026-03-23T11:15:08.356000+08:00","guessed":false,"end":"2026-03-23T11:15:23.765000+08:00","text":"譬如限制它對臺灣的金流往返，要求金融機構或者是支付系統全面阻斷，甚至於採取強制其退出臺灣市場的強硬措施，主委，可以這樣子做嗎？","quality":0.897},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:15:24.445000+08:00","guessed":false,"end":"2026-03-23T11:15:41.211000+08:00","text":"當然對於任何非法的平臺，我剛才講過，以現在的法規而言它就是違法，按照中華民國法律就要嚴格查緝，但如果是在境外的部分，我剛才講過一部法律如果能夠有更多控制節點的話，對於像這樣不法行為的掌控就會更高。","quality":0.89},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:15:41.391000+08:00","guessed":false,"end":"2026-03-23T11:16:09.988000+08:00","text":"比如剛剛委員提到，假設已經有很明確的黑名單、灰名單，這部分受管轄的虛擬資產或是金融業者就可以建立相當的防控機制，這些都是未來我們必須要努力來強化的部分，就是說我們在這部專法當中已經設計更多的掌控點，未來對於這個東西的保護當然會更周延，這也是我們立法很重要的目的。","quality":0.951},{"speaker":"顏委員寬恒","start":"2026-03-23T11:16:11.588000+08:00","guessed":false,"end":"2026-03-23T11:16:42.515000+08:00","text":"我再請教主委，對於未來專法的落實，應該強制要求所有與臺灣有業務往來的境外平臺必須全面落實轉帳規則，如果在法律上不願意提供清楚的交易身分資料，我們就直接視為非法營運，由金管會採取斷絕金流或者撤銷許可的強硬行政措施，我要求金管會對於這部分一定要強硬。","quality":0.914},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:16:43.997000+08:00","guessed":false,"end":"2026-03-23T11:16:49.562000+08:00","text":"我剛才說對於違法的事情，這一定就是沒有什麼空間啦！","quality":0.913},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:16:49.742000+08:00","guessed":false,"end":"2026-03-23T11:17:13.014000+08:00","text":"剛才委員提到，假設它在境外而且是一個有疑義的平臺，如果境內的VASP或金融機構要跟它往來，因為它已經被列入黑名單或是可疑的灰名單，這時候我們就可以對國內這些業者進行管理，它就不可以跟它往來，其實這就像我們現在規定金融業不可以跟沒有合規的交易所進行往來是一樣的道理。","quality":0.856},{"speaker":"顏委員寬恒","start":"2026-03-23T11:17:14.674000+08:00","guessed":false,"end":"2026-03-23T11:17:33.483000+08:00","text":"是，請主委一定要秉持保護被害人辛苦血汗錢不被詐騙、打擊惡意犯罪洗錢集團這樣子的信念，我們一定要用強硬的手段來做後續這些事情。","quality":0.948},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:17:33.663000+08:00","guessed":false,"end":"2026-03-23T11:17:33.803000+08:00","text":"是，當然。","quality":1},{"speaker":"顏委員寬恒","start":"2026-03-23T11:17:34.464000+08:00","guessed":false,"end":"2026-03-23T11:17:34.624000+08:00","text":"好的，謝謝。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:17:34.624000+08:00","guessed":false,"end":"2026-03-23T11:17:34.644000+08:00","text":"謝謝委員。","quality":1},{"speaker":"主席","start":"2026-03-23T11:17:35.144000+08:00","guessed":true,"end":"2026-03-23T11:17:39.144000+08:00","text":"謝謝，我們結束顏寬恒委員的質詢。","quality":0},{"speaker":"主席","start":"2026-03-23T11:17:39.444000+08:00","guessed":true,"end":"2026-03-23T11:17:42.015429+08:00","text":"接下來請林思銘委員。","quality":0}]}},"supported_relations":[],"relations":[]}