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適得其所第一個先要給他一個明確的身份跟地位我想這是所有在市場上要取得社會信任非常重要的就等於說我法規上給他明確的法律定位以及業務範圍這樣可以阻卻非法跟合法之間的分際這是一個第一步"},{"start":84.355,"end":106.676,"text":"那再來就是我們規範的合理化以及有前瞻性比如說我們現在規範合理未來有發展的空間我想這一部法律應該都是大概用這樣的方式來前進OK很好我想主委觀念非常正確我想虛擬資產不是未來也是而是現在進行式全球市場的規模動輒上兆美元"},{"start":107.617,"end":132.015,"text":"那我國的投資人參與程度也非常的高但是目前的狀況我們看到是零散的監理法制落後風險外溢虛擬資產市場雖然目前經歷那個Terraluna的崩跌以及FTS的倒閉兩大震盪但截至今日為止就3月23號全球加密貨幣的市值大概還有2.4兆美元"},{"start":134.056,"end":139.057,"text":"其中比特幣市值約1.4兆美元市佔率大概56.15%穩定幣市值大概3122億美元也大概佔12.94%根據2021年IMF與金融時報的數據"},{"start":153.041,"end":171.248,"text":"全球的市值總共仍然穩守在1兆美元以上那麼台灣在FTS的事件中的損失規模高達新台幣600億元全球排名第七所以可見我們台灣潛在的投資人非常的多"},{"start":172.208,"end":199.891,"text":"那麼用戶的規模也非常的多那我請問這個 主委我們有做過調查嗎 我們大概推估啊現在我們台灣持有虛擬貨幣的人大概有多少人其實我們現在是 就一般民眾我們沒有辦法知道他這樣那我們只能知道我們現在已經納管就沒有推估 我們沒有推估我們現在納管的業者裡面我們有請他提供他營業的資料我們大概推估現在就是他大概開戶數大概一百萬左右剛才跟委員說明過了"},{"start":200.111,"end":200.773,"text":"100萬人開戶客戶數將近100萬左右"},{"start":207.555,"end":232.182,"text":"市場規模呢市場規模的話就相對部分我們還在跟他講我們如果有有在統計因為現在有個工會在所以未來有了法規之後我們就會詳細知道這些數據當然當然我們現在就在統計了啦這個部分既然有工會我想其實根據就是說我們這個推估就是媒體的報導推估數值我們的市場規模大概在800億到1500億美金"},{"start":235.123,"end":263.078,"text":"就大概有台幣2.5兆到4.5兆所以這一塊呢確實需要我們專法來加以這個去做監管所以我想請教主委我們在監理的密度方面根據歐盟MICA的精神是應該針對不同的規模與業務性質進行分級所以金管會認為應該採取比例原則與兩體財醫還是比照銀行法採行高度嚴格的全面牌照制"},{"start":264.139,"end":284.788,"text":"其實剛剛委員講我們這次做的跟過去比較大的不同就是我們是採用不同業別不同執照的申請方式那跟剛剛委員提到銀行它是一個大執照的概念但是我們這裡比如說我們總共大概有七個業態由你自己來決定來申請可以重複也可以單獨"},{"start":285.965,"end":303.138,"text":"是 所以對於這種小規模的虛擬資產服務商我們不會一律要求比照銀行法這樣的一個資本額營業保證金有分流讓他有一個創新的空間嘛對 他可以比如說就像我們有一家只做移轉商他就只有取得這樣的一個內容"},{"start":303.979,"end":316.829,"text":"所以我本席的提案然後看這個主委你站不站身我的提案版本中增設簡易登記類的VASPER允許小規模的業者以報備制來納管主委你認為這樣是否能夠兼顧產業的創新"},{"start":321.232,"end":337.643,"text":"這其實我們現在來看的話就是因為我們現在假設啦相較於我們過去對金融機構的監理我們的要求可以分幾種不同等級剛才委員提到像銀行它的設立就是100億這是非常非常高的門檻像我們的保險公司大概20億左右"},{"start":338.283,"end":363.866,"text":"譬如我們證券的話一個差不多四億一個業別相較之下我們未來對虛擬資產的這些的要求應該是屬於比較偏向證券業這樣的一個規模不會用一個剛才講的畢竟經營的範圍經營的內容跟生物還是很大不同我的提案聽起來是會沒有就是說如果用報備制的話有可能會整個我們用核准制會產生一個這個所謂的差異"},{"start":364.867,"end":377.688,"text":"我們現在從這個分不同的業別就已經有這個精神那我們還是希望說這個產業還是要經過我們用一個事前許可的方式用報備畢竟是在過去我們的執照上很少用報備制來做"},{"start":379.605,"end":402.435,"text":"主委我們關於穩定幣的分類與監理我們有境外落地的一個挑戰我想這個穩定幣的幣值它佔虛擬貨幣市場的交易量目前看起來超過80%而且它已經具有支付工具的潛力目前的市場主流是USDT和USDC這種境外發行的法幣這個背對型的穩定幣"},{"start":404.756,"end":430.308,"text":"所以請問對於我們境外穩定幣的實質落地條件是否應該區分全背對型與演算法型的不同風險其實現在我們法規應該不會開放演算型過去很多出事的大概就演算型那我們還是開放以法幣作為直接擔保抵押就不會接受演算型的這個穩定幣"},{"start":432.409,"end":457.007,"text":"好那另外關於去中心化協議啊這個DeFi的與境內影響性原則虛擬資產都是來自境外嘛目前去中心化這個的金融的協議的DeFi的盛行請問如果要求境外平台必須在台設立法人並取得許可這在操作面上是否可能存在盲點其實這個問題如果說各位"},{"start":458.968,"end":477.913,"text":"其實委員在您的版本也有提到這個概念就是我們希望說境外的在台灣你一定要有據點的呈現再來就是我們現在境外的資產境外的各式各樣的虛擬資產如果你要在台灣的合法的VASP上面上架的話你必須要經過我的同意這樣的話以確保否則現在"},{"start":479.4,"end":495.566,"text":"等於國際上虛擬資產五花八門各種就是比較那些可能比如說空氣避一大堆這種東西我們基於保護交易人的那個角度我們希望能夠經過我們同意才在國內的虛擬資產業者的交易平台上出現所以未來我們如何認定"},{"start":498.727,"end":514.289,"text":"認定這些沒有實體透過智能合約運作這些DeFi或者不打算在台設點卻大量有台灣用戶的這些境外的巨頭啊軍管會如何認定其實質營運人啊要如何去認定"},{"start":515.751,"end":538.837,"text":"他在境外他一定有提供一個產品或是一個服務這個服務要接近我們的交易人他必須透過我們的VASP業者那VASP業就是我剛才講的一個掌控點剛才有跟委員報告就是說我們面對境外的話我們國內有更多我們監管的掌控點的話就可以進行這樣的一個規範跟約束這樣也是維持市場公平的這個"},{"start":540.177,"end":564.437,"text":"整個產品跟有序監理這個我的版本中我有引入境內影響性原則只要對本國市場產生重大影響皆應納入監理的一個邊界現在的那個草案就是這樣就是這樣嘛就是這樣精神像委員版本說境外你沒有加入工會不能營業本來就是這樣是好"},{"start":565.037,"end":579.304,"text":"我想虛擬資產涉及支付稅務洗錢增辦與技術研發絕非金管會一個部門可以獨立完成所以本席的提案版本認為必須跨部會的來做這個做等一下"},{"start":584.554,"end":611.577,"text":"就跨部會的做協作模式的法制化來邀集央行法務部財政部數位部等單位跨部會的協作模式才能避免多頭馬車或前者不明而主管金官應在執法中明定各部會的執掌例如央行負責穩定幣對貨幣政策的衝擊評估數位部負責技術安全的認證所以主委你是否支持這種跨部會協議機制的明文化"},{"start":612.518,"end":637.561,"text":"其實剛剛委員講的就是這個假設完整的分化會是這樣做但是實際上基於監理的整合更比較像說應該就像我們草案裡面提到穩定幣是由財政部來主政但是相關的法規我們要匯商央行同意的方式等於說是我們共管的方式那假設這樣的像剛剛委員的建議這樣的一個管理架構比較少見但是跨部會協作"},{"start":639.402,"end":662.218,"text":"這個絕對要做但是怎麼在一部法律裡面誰主要負責誰負責協助一起同意那我想這個是我們在未來立法像我們的草案裡面對於穩定幣就非常明確就是要經過跟央行跟金管會之間的協助這樣所以基本上這個精神是支持的這本來就應該是這樣草案裡面法條裡面要怎麼寫對這個要再做研議啦其實謝謝我們也會一樣會會去做這件事情好 以上好 謝謝謝謝"}],"gazette":[{"speaker":"林委員思銘","start":"2026-03-23T11:17:53.014000+08:00","guessed":false,"end":"2026-03-23T11:17:55.515000+08:00","text":"謝謝主席，麻煩主席請金管會彭主委。","quality":0.867},{"speaker":"主席","start":"2026-03-23T11:17:58.736000+08:00","guessed":false,"end":"2026-03-23T11:17:58.736000+08:00","text":"請彭主委。","quality":0.5},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:17:58.736000+08:00","guessed":true,"end":"2026-03-23T11:17:59.736000+08:00","text":"委員好。","quality":0},{"speaker":"林委員思銘","start":"2026-03-23T11:17:59.736000+08:00","guessed":true,"end":"2026-03-23T11:18:00.736000+08:00","text":"主委早。","quality":0},{"speaker":"林委員思銘","start":"2026-03-23T11:17:58.936000+08:00","guessed":false,"end":"2026-03-23T11:18:13.819000+08:00","text":"主委，虛擬貨幣的領域已經長期處在一個空窗期的階段，請問院版的虛擬資產服務法到底什麼時候可以提出？","quality":0.889},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:18:15.681000+08:00","guessed":false,"end":"2026-03-23T11:18:17.362000+08:00","text":"我剛才報告過，因為院裡面已經審查完畢，我覺得應該很快就會送進……","quality":0.5},{"speaker":"林委員思銘","start":"2026-03-23T11:18:17.362000+08:00","guessed":true,"end":"2026-03-23T11:18:18.362000+08:00","text":"這個會期嗎？","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:18:18.362000+08:00","guessed":true,"end":"2026-03-23T11:18:19.362000+08:00","text":"應該是，我們預期是這樣。","quality":0},{"speaker":"林委員思銘","start":"2026-03-23T11:18:19.362000+08:00","guessed":true,"end":"2026-03-23T11:18:20.362000+08:00","text":"如果是這個會期，那我們就同步來審查。","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:18:20.362000+08:00","guessed":true,"end":"2026-03-23T11:18:21.362000+08:00","text":"對，應該是會很快。","quality":0},{"speaker":"林委員思銘","start":"2026-03-23T11:18:18.898000+08:00","guessed":false,"end":"2026-03-23T11:18:25.180000+08:00","text":"我想請問這部專法如何能做到適得其所，在健全市場秩序的同時，避免因為監理過當而扼殺了臺灣本土的金融科技創新？","quality":0.96},{"speaker":"林委員思銘","start":"2026-03-23T11:18:43.130000+08:00","guessed":false,"end":"2026-03-23T11:18:44.450000+08:00","text":"如何讓它適得其所？","quality":0.875},{"speaker":"林委員思銘","start":"2026-03-23T11:18:44.450000+08:00","guessed":true,"end":"2026-03-23T11:18:46.811000+08:00","text":"請問主委你的看法。","quality":0},{"speaker":"彭主任委員金隆：關於適得其所","start":"2026-03-23T11:18:46.811000+08:00","guessed":false,"end":"2026-03-23T11:19:15.284000+08:00","text":"第一個先要給它一個明確的身分跟地位，我想這是所有在市場上要取得社會信任非常重要的，就等於在法規上給它明確的法律定位以及業務範圍，這樣可以阻卻非法跟合法之間的分際，這是第一步；再來就是規範的合理化以及有前瞻性，比如我們現在規範合理，未來有發展的空間，我想一部法律應該都是用這樣的方式來前進。","quality":0.97},{"speaker":"林委員思銘","start":"2026-03-23T11:19:15.965000+08:00","guessed":false,"end":"2026-03-23T11:19:37.463000+08:00","text":"很好，主委觀念非常正確，我想虛擬資產不是未來式，而是現在進行式，全球市場的規模動輒上兆美元，我國投資人的參與程度也非常高，但是以目前的狀況，我們看到的是零散的監理、法制落後、風險外溢。","quality":0.951},{"speaker":"林委員思銘","start":"2026-03-23T11:19:38.945000+08:00","guessed":false,"end":"2026-03-23T11:19:59.457000+08:00","text":"虛擬資產市場目前雖然經歷Terra Luna崩跌以及FTX倒閉的兩大震盪，但截至今日（3月23日）為止，全球加密貨幣的市值大概還有2.4兆美元，其中比特幣市值約1.4兆美元，市占率大概56.15%；穩定幣的市值大概3,122億美元，也大概占12.94%。","quality":0.888},{"speaker":"林委員思銘","start":"2026-03-23T11:19:59.457000+08:00","guessed":false,"end":"2026-03-23T11:20:35.010000+08:00","text":"根據2021年IMF與金融時報的數據，全球的市值總共仍然穩守在1兆美元以上，而臺灣在FTX事件中的損失規模高達新臺幣600億元，全球排名第七，可見我們臺灣潛在的投資人非常多，用戶的規模也非常多。","quality":0.976},{"speaker":"林委員思銘","start":"2026-03-23T11:20:37.392000+08:00","guessed":false,"end":"2026-03-23T11:20:39.473000+08:00","text":"請問主委，我們有做過調查嗎？","quality":1},{"speaker":"林委員思銘","start":"2026-03-23T11:20:39.473000+08:00","guessed":false,"end":"2026-03-23T11:20:44.157000+08:00","text":"我們推估現在臺灣持有虛擬貨幣的大概有多少人？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:20:45.418000+08:00","guessed":false,"end":"2026-03-23T11:20:50.622000+08:00","text":"現在就一般民眾，其實我們沒有辦法知道，只能知道我們現在已經納管……","quality":0.931},{"speaker":"林委員思銘","start":"2026-03-23T11:20:51.563000+08:00","guessed":false,"end":"2026-03-23T11:20:52.164000+08:00","text":"我們沒有推估？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:20:52.344000+08:00","guessed":false,"end":"2026-03-23T11:21:00.871000+08:00","text":"在我們現在納管的業者裡面，我們有請他提供營業的資料，我們推估……現在它開戶數大概100萬左右，這個剛才跟委員說明過。","quality":0.918},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:21:00.871000+08:00","guessed":true,"end":"2026-03-23T11:21:01.871000+08:00","text":"裡面還有實動的……","quality":0},{"speaker":"林委員思銘","start":"2026-03-23T11:21:01.111000+08:00","guessed":false,"end":"2026-03-23T11:21:01.131000+08:00","text":"是，有100萬人開戶？","quality":0.667},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:21:01.131000+08:00","guessed":false,"end":"2026-03-23T11:21:01.753000+08:00","text":"對，它的客戶數差不多將近100萬左右。","quality":0.571},{"speaker":"林委員思銘","start":"2026-03-23T11:21:08.555000+08:00","guessed":false,"end":"2026-03-23T11:21:09.195000+08:00","text":"市場規模呢？","quality":1},{"speaker":"林委員思銘","start":"2026-03-23T11:21:09.195000+08:00","guessed":true,"end":"2026-03-23T11:21:10.195000+08:00","text":"我們有沒有了解？","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:21:10.055000+08:00","guessed":false,"end":"2026-03-23T11:21:18.158000+08:00","text":"市場規模相對部分我們還在……剛才講我們有在統計，因為現在有個公會在跑。","quality":0.871},{"speaker":"林委員思銘","start":"2026-03-23T11:21:18.298000+08:00","guessed":false,"end":"2026-03-23T11:21:21.039000+08:00","text":"所以未來有了法規之後，我們就會詳細知道這些數據嗎？","quality":0.957},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:21:21.259000+08:00","guessed":false,"end":"2026-03-23T11:21:23.599000+08:00","text":"當然，我們現在就在統計了，既然有公會，這個部分我們就有資料。","quality":0.615},{"speaker":"林委員思銘","start":"2026-03-23T11:21:24.180000+08:00","guessed":false,"end":"2026-03-23T11:21:44.007000+08:00","text":"我想根據媒體的報導推估數值，我們的市場規模大概在800億到1,500億美金，大概也有臺幣2.5兆到4.5兆，所以這一塊確實需要專法來加以監管。","quality":0.964},{"speaker":"林委員思銘","start":"2026-03-23T11:21:45.248000+08:00","guessed":false,"end":"2026-03-23T11:22:04.058000+08:00","text":"所以我想請教主委，我們在監理的密度方面，根據歐盟MiCA的精神，應該針對不同的規模與業務性質進行分級，所以金管會認為應該採取比例原則量體裁衣，還是要比照銀行法採行高度嚴格的全面牌照制？","quality":0.942},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:22:05.859000+08:00","guessed":false,"end":"2026-03-23T11:22:25.788000+08:00","text":"我們這次做的跟過去比較大的不同，在於我們是採用所謂的不同業別不同執照的申請方式，剛剛委員所提到的，比如說銀行是一個大執照的概念，但是我們這裡大概總共有7個業態，由你自己來決定、來申請，可以重複，也可以單獨。","quality":0.871},{"speaker":"林委員思銘","start":"2026-03-23T11:22:26.965000+08:00","guessed":false,"end":"2026-03-23T11:22:35.412000+08:00","text":"是，所以對於這種小規模的虛擬資產服務商，我們不會一律要求比照銀行法這樣的資本額、營業保證金與內控制度嘛？","quality":0.875},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:22:35.932000+08:00","guessed":false,"end":"2026-03-23T11:22:36.753000+08:00","text":"這次是有分流，對。","quality":0.429},{"speaker":"林委員思銘","start":"2026-03-23T11:22:37.433000+08:00","guessed":false,"end":"2026-03-23T11:22:38.754000+08:00","text":"讓它有一個創新的空間嘛！","quality":0.909},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:22:39.355000+08:00","guessed":false,"end":"2026-03-23T11:22:44.118000+08:00","text":"對，比如說像我們有一家只做移轉商，它就只取得這樣的內容就可以了。","quality":0.828},{"speaker":"林委員思銘","start":"2026-03-23T11:22:44.979000+08:00","guessed":false,"end":"2026-03-23T11:22:46.580000+08:00","text":"所以主委贊不贊成本席的提案？","quality":0.538},{"speaker":"林委員思銘","start":"2026-03-23T11:22:48.742000+08:00","guessed":false,"end":"2026-03-23T11:22:57.809000+08:00","text":"我提案的版本中增設簡易登記類的VASP，允許小規模業者以報備制來納管，主委，你認為這樣是否能夠兼顧產業的創新？","quality":0.98},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:23:02.232000+08:00","guessed":false,"end":"2026-03-23T11:23:23.387000+08:00","text":"其實我們現在來看，相較於我們過去對金融機構的監理，我們的要求可以分幾種不同的等級，銀行的設立就是100億，這是非常非常高的門檻，保險公司大概是20億左右，證券的話，一個業別差不多4億。","quality":0.949},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:23:24.448000+08:00","guessed":false,"end":"2026-03-23T11:23:31.554000+08:00","text":"相較之下，我們未來對虛擬資產的要求，應該是比較偏向證券業這樣的規模，不會用剛才講的……","quality":1},{"speaker":"林委員思銘","start":"2026-03-23T11:23:31.554000+08:00","guessed":true,"end":"2026-03-23T11:23:32.554000+08:00","text":"OK，比較有……","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:23:31.995000+08:00","guessed":false,"end":"2026-03-23T11:23:36.018000+08:00","text":"因為畢竟它經營的範圍、經營的內容跟銀行還是有很大的不同。","quality":0.731},{"speaker":"林委員思銘","start":"2026-03-23T11:23:36.038000+08:00","guessed":false,"end":"2026-03-23T11:23:36.459000+08:00","text":"所以你贊成我的提案嗎？","quality":0.4},{"speaker":"林委員思銘","start":"2026-03-23T11:23:36.459000+08:00","guessed":true,"end":"2026-03-23T11:23:37.459000+08:00","text":"聽起來主委的觀念跟我的……","quality":0.273},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:23:37.439000+08:00","guessed":false,"end":"2026-03-23T11:23:58.668000+08:00","text":"沒有，如果用報備制的話，有可能會整個……我們用核准制會產生所謂的差異啦，所以我們現在從分不同的業別就已經有這個精神，我們還是希望這個產業是用事前許可的方式，畢竟過去在我們的執照上很少用報備制來做。","quality":0.956},{"speaker":"林委員思銘","start":"2026-03-23T11:23:58.668000+08:00","guessed":true,"end":"2026-03-23T11:24:00.605000+08:00","text":"好，了解。","quality":0},{"speaker":"林委員思銘","start":"2026-03-23T11:24:00.605000+08:00","guessed":false,"end":"2026-03-23T11:24:35.901000+08:00","text":"主委，關於穩定幣的分類與監理，我們有境外落地的一個挑戰，我想看起來目前穩定幣的幣值占虛擬貨幣市場的交易量超過百分之八十，而且它已經具有支付工具的潛力，目前的市場主流是USDT和USDC這種境外發行的法幣備兌型穩定幣，請問對於我們境外穩定幣的實質落地條件，是否應該區分全備兌型與演算法型的不同風險？","quality":0.893},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:24:35.901000+08:00","guessed":false,"end":"2026-03-23T11:24:47.366000+08:00","text":"其實現在我們法規應該不會開放演算型，過去很多出事的大概就是演算型，我們還是開放以法幣作為直接擔保抵押……","quality":0.979},{"speaker":"林委員思銘","start":"2026-03-23T11:24:47.366000+08:00","guessed":true,"end":"2026-03-23T11:24:49.447000+08:00","text":"所以不會有演算法型的？","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:24:49.447000+08:00","guessed":false,"end":"2026-03-23T11:24:51.308000+08:00","text":"對，不會接受演算型的穩定幣。","quality":0.917},{"speaker":"林委員思銘","start":"2026-03-23T11:24:51.308000+08:00","guessed":true,"end":"2026-03-23T11:24:53.949000+08:00","text":"OK，是，好。","quality":0.25},{"speaker":"林委員思銘","start":"2026-03-23T11:24:53.949000+08:00","guessed":false,"end":"2026-03-23T11:25:17.466000+08:00","text":"另外，關於去中心化協議DeFi與境內影響性原則，虛擬資產都是來自境外嘛，目前去中心化金融協議DeFi的盛行，請問如果要求境外平臺必須在臺設立法人並取得許可，這在操作面上是否可能存在盲點？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:25:17.606000+08:00","guessed":false,"end":"2026-03-23T11:25:43.621000+08:00","text":"這個問題，如果說各位……其實委員在您的版本也有提到這個概念，我們希望境外的在臺灣一定要有據點的呈現；再來就是我們現在境外的資產，境外各式各樣的虛擬資產，如果你要在臺灣合法的VASP上面上架的話，你必須要經過我的同意以確保，否則現在國際上的虛擬資產五花八門，各種……","quality":0.992},{"speaker":"林委員思銘","start":"2026-03-23T11:25:43.621000+08:00","guessed":true,"end":"2026-03-23T11:25:45.482000+08:00","text":"它沒有實體嘛！","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:25:45.482000+08:00","guessed":false,"end":"2026-03-23T11:25:55.666000+08:00","text":"對，比如說空氣幣等一大堆這種東西，基於保護交易人的角度，我們希望能夠經過我們同意才在國內虛擬資產業者的交易平臺上出現，就可以做掌控。","quality":0.852},{"speaker":"林委員思銘","start":"2026-03-23T11:25:55.666000+08:00","guessed":false,"end":"2026-03-23T11:26:13.346000+08:00","text":"對，所以未來我們如何認定這些沒有實體、透過智能合約運作的DeFi，或者不打算在臺設點卻有大量臺灣用戶的這些境外巨頭，金管會如何認定其實質營運人？","quality":0.94},{"speaker":"林委員思銘","start":"2026-03-23T11:26:14.608000+08:00","guessed":false,"end":"2026-03-23T11:26:15.269000+08:00","text":"你要如何去認定？","quality":0.857},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:26:17.471000+08:00","guessed":false,"end":"2026-03-23T11:26:29.374000+08:00","text":"它在境外一定有提供一個產品或是一個服務，而這個服務要接近我們的交易人必須透過我們的VASP業者，VASP業者就是我剛才講的一個掌控點。","quality":0.953},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:26:29.374000+08:00","guessed":false,"end":"2026-03-23T11:26:43.179000+08:00","text":"剛才有跟委員報告，面對境外，我們國內有更多監管掌控點的話，就可以進行這樣的規範跟約束，這樣也是維持市場公平跟有序監理……","quality":1},{"speaker":"林委員思銘","start":"2026-03-23T11:26:43.979000+08:00","guessed":false,"end":"2026-03-23T11:26:52.927000+08:00","text":"主委，我的版本中有引入境內影響性原則，只要對本國市場產生重大影響，即應納入監理的邊界。","quality":0.923},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:26:55.028000+08:00","guessed":false,"end":"2026-03-23T11:26:57.450000+08:00","text":"現在的草案就是這樣的精神。","quality":0.75},{"speaker":"林委員思銘","start":"2026-03-23T11:26:57.450000+08:00","guessed":false,"end":"2026-03-23T11:26:57.850000+08:00","text":"草案就是往這方向來做嘛！","quality":0.364},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:26:59.212000+08:00","guessed":false,"end":"2026-03-23T11:27:05.417000+08:00","text":"像委員版本說境外沒有加入公會不能營業，這個本來就是這樣的。是，好。","quality":0.862},{"speaker":"林委員思銘","start":"2026-03-23T11:27:06.037000+08:00","guessed":false,"end":"2026-03-23T11:27:37.444000+08:00","text":"我想虛擬資產涉及支付、稅務、洗錢偵辦與技術研發，絕非金管會一個部門可以獨立完成，所以本席提案版本認為必須跨部會來做協作模式的法制化，邀集央行、法務部、財政部、數位部等單位跨部會的協作模式，才能避免多頭馬車或權責不明。","quality":0.969},{"speaker":"林委員思銘","start":"2026-03-23T11:27:38.065000+08:00","guessed":false,"end":"2026-03-23T11:27:48.594000+08:00","text":"而主管機關應在子法中明定各部會的職掌，例如央行負責穩定幣對貨幣政策的衝擊評估；數位部負責技術安全的認證。","quality":0.918},{"speaker":"林委員思銘","start":"2026-03-23T11:27:48.754000+08:00","guessed":false,"end":"2026-03-23T11:27:52.557000+08:00","text":"主委，你是否支持這種跨部會協議機制的明文化？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:27:53.518000+08:00","guessed":false,"end":"2026-03-23T11:28:11.815000+08:00","text":"其實剛剛委員講的，假設完整的分化會是這樣做，但是實際上基於監理的整合，更比較像我們的草案裡面提到的，穩定幣是由財政部來主政，但是相關的法規我們要會商央行同意的方式，等於是我們共管的方式。","quality":0.965},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:28:13.817000+08:00","guessed":false,"end":"2026-03-23T11:28:20.542000+08:00","text":"像剛剛委員建議的這樣的管理架構比較少見，但是跨部會協作這個絕對要做……是啊！","quality":0.912},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:28:20.803000+08:00","guessed":false,"end":"2026-03-23T11:28:34.752000+08:00","text":"但是在一部法律裡面怎麼規定誰主要負責、誰負責協助、一起同意，我想這個是我們在未來立法……像我們草案裡面對於穩定幣就非常明確，就是要經過央行跟金管會之間的協作。","quality":0.931},{"speaker":"林委員思銘","start":"2026-03-23T11:28:35.312000+08:00","guessed":false,"end":"2026-03-23T11:28:37.574000+08:00","text":"所以基本上這個精神是支持的啦？","quality":0.929},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:28:38.134000+08:00","guessed":false,"end":"2026-03-23T11:28:39.315000+08:00","text":"這本來就應該要這樣。","quality":0.889},{"speaker":"林委員思銘","start":"2026-03-23T11:28:39.315000+08:00","guessed":false,"end":"2026-03-23T11:28:41.737000+08:00","text":"只是在草案裡面、法條裡面要怎麼寫，可能要再做研議啦！","quality":0.783},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:28:41.877000+08:00","guessed":false,"end":"2026-03-23T11:28:42.297000+08:00","text":"對，其實不寫我們一樣也會跨部會去做這件事。","quality":0.632},{"speaker":"林委員思銘","start":"2026-03-23T11:28:42.397000+08:00","guessed":false,"end":"2026-03-23T11:28:43.218000+08:00","text":"好，以上，謝謝。謝謝。","quality":1},{"speaker":"主席","start":"2026-03-23T11:28:43.718000+08:00","guessed":true,"end":"2026-03-23T11:28:46.575143+08:00","text":"謝謝林思銘委員的質詢。","quality":0},{"speaker":"主席","start":"2026-03-23T11:28:46.875143+08:00","guessed":true,"end":"2026-03-23T11:28:49.446571+08:00","text":"接下來請劉書彬委員。","quality":0}]}},"supported_relations":[],"relations":[]}