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謝謝主席有請彭主委主委好主委早我們今年已經看到各國就相繼通過了穩定幣的法案那您也在今年有說了就是說今年下半年的預計要開放金融機構要發行穩定幣那想要問的是台幣的穩定幣是一定會發行的嗎如果在開放的這樣金融機構發行的"},{"start":39.352,"end":51.243,"text":"那它的需求有這麼大嗎?尤其是我們知道目前我國是一個國際經貿的大國那大部分的資產資金的兌換都是用美元來計價那現在USDD、泰德幣跟USDC都已經是變得主流的話那台灣的銀行機構在發行台幣的穩定幣到底有多少?有那個必要還有需求規模大概是多少?"},{"start":66.984,"end":94.447,"text":"謝謝委員剛剛提到就是說其實我們未來什麼時候會有由我們本地發行穩定幣那要等立法通過以後我們相關的穩定幣發行的辦法出來就可以來申請受理那受理審核還有一段時間我想說這部分大概會按照法制進行是剛剛委員講的確實是一個事實就是說未來假設以穩定幣按照我們現在的規定裡面"},{"start":95.948,"end":120.795,"text":"那個草案裡面是有兩個一個就是以他的指名叫法定貨幣法定貨幣當然包括台幣跟外幣這個部分都是可以的那至於說剛剛委員關心說那未來台幣穩定幣會不會有人發行這要交給市場市場誰會來發行他有提這個需求但是我們在做制度設計你會想說那未來這個發行有可能的所謂的場景跟用途在哪裡"},{"start":121.975,"end":137.197,"text":"剛剛委員提到假設是國際貿易支付的角度我想大家都知道那比如說我們市場上已經有強勢的幣別像美元就是國際支付的強勢的幣別那我想這部分大概在支付上面台幣上所能扮演的角色是比較有限"},{"start":138.098,"end":154.588,"text":"但是另外一個就是說假設是境內的部分的使用或是說假設未來我們也開放RWA以台幣計價的這些商品上鏈交易的話那勢必就要用台幣計價的貨幣單位來交易就有可能它的場景"},{"start":157.911,"end":171.543,"text":"看起來好像是還在一個規劃當中預期他們要去評估就對了看起來這個這樣的一個規模或是他實際的需求性實際上在台幣穩定幣的需求是少的對 就說這我們交給市場"},{"start":174.445,"end":177.348,"text":"所以看起來沒有什麼解決的問題但是我們現在在想到的是我們再往下看因為在穩定幣的這個如果普及的話如何助長民主很痛恨的這樣的一個詐騙問題我們看到現在呢有賴著配這些的藉口支付的這種貨幣也是這種數位貨幣這樣的一個神行但是如果他們還"},{"start":196.947,"end":202.728,"text":"穩定病在台灣普及化的話對詐騙集團來說他等於是省下購入到人頭賬戶的高昂成本還有與賬戶被凍結的時候資金被圈存的危險只要把被害人他的錢引到換成穩定病的而且成立的零門檻又不具名的這個冷錢包看一下左邊這個冷錢包然後再把它打入這樣這個混閉器當中就可以輕鬆的阻斷痕跡到海外去那這樣的話"},{"start":225.953,"end":235.708,"text":"就會造成說他們詐騙集團的這樣的成本非常降低那這樣的話請問金管費你有什麼樣的措施要去防避防避這樣的一個問題"},{"start":241.92,"end":257.472,"text":"我們現在這些的幣跟這些的交易都在市場上已經存在了那現在我們是假設今天討論這部專法如果設立以後呢我們有更有這樣的一個基礎跟法源來強化這個東西一定會對這個東西是有正面的幫助"},{"start":258.653,"end":277.454,"text":"先做個說明本主委再來就是說冷錢包的狀況跟現在的情況跟你是一個開放的是不是不一樣的我說接下來就是我們在這部專法裡面本來就是我剛才跟幾位委員報告過了比如說我們透過更多合規業者的管控他的交易對手比如說"},{"start":278.155,"end":306.153,"text":"其實未來如果你要透過我們合規交易你必須做好完整的KYC你必須這個實名制完全知道你這個人是誰然後接下來你會去哪裡這件事情可是冷錢包的部分是沒有連上網的這樣是一個封閉的體系如果從交易所的錢匯到冷錢包去這樣子根本就沒辦法的只有他自己知道的那些的這個這樣的密碼等等的尤其這樣又到混閉器當中是根本沒辦法這樣看起來是非常大的漏洞啊"},{"start":307.317,"end":332.863,"text":"我想說這部分我們會從整個監管角度畢竟這些大概都是我們面臨到的挑戰這部分我們也會跟我們的相關的檢調單位跟技術團隊來解決這個問題比如說我們針對未來這個客戶誰跟我做交易比如發現我那邊誰到最後這個我那邊交給誰這部分都是實名制的話我覺得這個追蹤的軌跡就會比以前好很多"},{"start":333.203,"end":354.497,"text":"沒有 但是你如果已經到交易所之後後面的相關的部分真的 那個冷錢包的問題根本就沒辦法解決因為它本身就是一個不具名的而且還沒有跟它連線上去了解的這部分看起來 主委您現在已經在有點是在重複在回答這一部分其實沒有得到一個結果 希望說金管會這邊一定要在未來在虛擬資產服務法當中的設定當中要針對這樣的一個實質上的問題要好好去解決"},{"start":361.561,"end":381.682,"text":"對 這個技術性的問題呢 我想說我們會 今天委員提到 我們會接下來請我們的相關單位去好好去處理我再跟委員做個回覆好 那大概是說多久會出來嗎 有沒有規劃的話這個技術上如何解決混閉器的問題 我想說我們會請我們技術單位呢告訴委員該怎麼做 我再跟委員說明"},{"start":382.605,"end":385.026,"text":"好 那個時間就希望盡快了大概兩個月之內可以可以 好那我們繼續往下看現在台灣作為全球第七大的中差區在上次的這個FTS的這個交易事件當中是這麼大那如果現在如果我們的虛擬資產服務法它通過之後"},{"start":404.056,"end":418.231,"text":"如果這樣子國外的他們這個幣安等海外交易所不配我們的房價跟洗錢的規範然後甚至也沒有在台灣在落地申請這個牌照那請問一下金管會有什麼具體措施來因應呢"},{"start":419.568,"end":437.195,"text":"我想剛剛委員提到這個問題任何一個國家的法律基本上大部分都是以自己的轄區為主你也很難去直接除了有國際合作跟國際條約我想這是大家共同面對到在跨國境的虛擬資產交易大家必須未來為什麼要強化國際合作非常重要"},{"start":437.975,"end":452.788,"text":"那至於說剛才委員提到的概念就是說假設我的國人他們都是透過我們合法的交易所去交易的話那比如說其他境外的公司他就沒辦法直接接觸到我們的投資人的話那中間這個節點我們就可以做這樣管理比如說"},{"start":453.709,"end":471.373,"text":"我剛剛跟委員講就是說其實我們現在很多的這些比如說虛擬資產業如果你不是合規的話我們就要求我們的金融機構不可以跟你做往來我就不會入金這本來就是一個很重要的監理法規的要求這個就是我們納管的一個好處這是也是其中一個做法"},{"start":471.953,"end":492.658,"text":"主委這個問題在如果金管會沒有現在的監管或跟金融機構把他設立的他們這個交易的方式的話其實他現在就已經是跟在網路上面他就直接可以在他們的交易所裡面這樣去做這樣的交易啦那你知道我提出來的方式不是等於說我們的虛擬資產服務法如果真的制定出來也沒辦法去沒有辦法去監管到他們啊他可以跳過你們的這樣方式啊"},{"start":497.499,"end":525.138,"text":"剛剛委員報告就是說他今天經過我們國人他最容易接近還是我們合規的這些基礎機構還就是合規的這個交易所那這部分我們就加強管控我們一定是這樣來做的嘛這應該是這樣那是因為境外部分有效的措施讓他運譽到台灣來落腳來發行對所以這個就信任比如說假設我們今天我們能夠給予監管以後大部分的我想民眾大概會比較相信政府監管的業者"},{"start":525.538,"end":544.354,"text":"那這樣我們就達到這個目的畢竟說你自己要在網路上跟一個境外的交易你必須承擔更多的風險我想這部分剛才跟委員報告過全世界我們在面對的心理資產是共同的大家都有共同的問題不是說台灣特別厲害可以解決這些問題但是這個因為大家都共同的問題"},{"start":545.835,"end":566.925,"text":"國際合作要解決但是我們必須先做好自己本國內的這些監管法規規範當然當然現在現在大家的努力就包括我們剛剛民眾黨所提的版本都希望這個制度更健全對所以說我想大家目標都是一致的那我請問一下新加坡像是香港綠大社會是怎麼處理法針對這樣子讓它落地請問一下剛剛說的像碧安他們這個海外交易"},{"start":567.965,"end":583.734,"text":"這樣子有沒有落地來申請牌照比如說委員剛剛提到那家公司他也不是在全世界大部分的國家都有落地他大概是在一些部分國家有落地很多國家對不同的地商之間有不同的規範他也不是說全部都地方都有設計像剛才講說因為這個部分呢"},{"start":587.657,"end":598.011,"text":"因為它牽涉到各個地方的規定還有就是說我們對獨特的法官的要求所以你說的交易的合作這個國際合作就還是沒有一個好像是空殼子"},{"start":599.35,"end":622.802,"text":"因為如果你說怎麼樣去增加國際合作事實上是不太清楚的就像比如說我們犯罪的國際合作就是一個很重要的比如說為什麼一個罪犯會從其他國家被引渡到我這邊回來一定雙方有一個協議否則他在海外我也沒辦法對他行使我的治權嘛這很正常對不對但是假設是一個大家共同的罪犯大家透過協定就會被"},{"start":623.642,"end":650.216,"text":"對 可是你說的是國際合作竟然是在做犯罪的阻防而不是在說讓他們願意落地來去在這個交易我們有一個開放你可以來台灣申請子公司或是分公司都可以這個東西就會進入到我納管出去那就納管 可是他如果現在這種你就是他如果你沒有讓他願意下來落地那他就沒辦法直接的面對我們台灣的客戶也沒辦法跟我們金融機構做這個比較便利的往來他就增加交易的很大的困擾"},{"start":651.338,"end":651.8,"text":"好 謝謝我們結束我們結束劉淑冰委員的質詢 接下來"}],"gazette":[{"speaker":"劉委員書彬","start":"2026-03-23T11:29:03.404000+08:00","guessed":false,"end":"2026-03-23T11:29:03.604000+08:00","text":"謝謝主席，有請彭主委。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:29:03.644000+08:00","guessed":false,"end":"2026-03-23T11:29:03.664000+08:00","text":"委員好。","quality":0.667},{"speaker":"劉委員書彬","start":"2026-03-23T11:29:03.684000+08:00","guessed":false,"end":"2026-03-23T11:29:03.764000+08:00","text":"主委早。早。","quality":0.75},{"speaker":"劉委員書彬","start":"2026-03-23T11:29:03.784000+08:00","guessed":false,"end":"2026-03-23T11:29:05.585000+08:00","text":"我們近年已經看到各國相繼通過了穩定幣的法案，您今年也說了，預計今年下半年要開放金融機構發行穩定幣，我想問的是臺幣的穩定幣是一定會發行的嗎？","quality":0.923},{"speaker":"劉委員書彬","start":"2026-03-23T11:29:05.585000+08:00","guessed":false,"end":"2026-03-23T11:29:34.114000+08:00","text":"如果開放金融機構發行，它的需求有這麼大嗎？","quality":1},{"speaker":"劉委員書彬","start":"2026-03-23T11:29:34.114000+08:00","guessed":false,"end":"2026-03-23T11:29:43.682000+08:00","text":"尤其我們知道目前我國是一個國際經貿的大國，大部分的資產、資金兌換都是用美元來計價，現在USDT泰達幣跟USDC都已經是變成主流的話，臺灣銀行機構發行臺幣的穩定幣，有這個必要嗎？","quality":0.939},{"speaker":"劉委員書彬","start":"2026-03-23T11:29:43.702000+08:00","guessed":false,"end":"2026-03-23T11:29:44.223000+08:00","text":"還有需求規模大概是多少？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:29:59.984000+08:00","guessed":false,"end":"2026-03-23T11:30:19.941000+08:00","text":"謝謝委員，我剛才有提到未來什麼時候會有我們本地發行的穩定幣，其實要等立法通過以後，我們相關穩定幣發行的辦法出來後，就可以來申請受理，屆時受理審核還有一段時間，我想這部分大概會按照法制來進行。","quality":0.886},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:30:21.322000+08:00","guessed":false,"end":"2026-03-23T11:30:37.590000+08:00","text":"剛剛委員講的確實是一個事實，未來假設以……穩定幣按照我們現在的草案裡面是有兩個，一個名稱叫法定貨幣，法定貨幣當然包括臺幣跟外幣，這個部分都是可以的。","quality":0.985},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:30:38.431000+08:00","guessed":false,"end":"2026-03-23T11:30:47.033000+08:00","text":"至於剛剛委員關心未來臺幣穩定幣會不會有人發行，這要交給市場，市場誰會來發行，它有提這個需求。","quality":0.976},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:30:47.753000+08:00","guessed":false,"end":"2026-03-23T11:31:27.568000+08:00","text":"但是我們在做制度設計一定會想未來這個發行可能的場景跟用途在哪裡，剛剛委員提到，假設是國際貿易支付的角度，我想大家都知道，市場上已經有強勢的幣別，像美元就是國際支付的強勢幣別，我想在支付上面，臺幣所能扮演的角色大概是比較有限；另外一個，假設是境內部分的使用，或者假設未來我們也開放RWA以臺幣計價的這些商品上鏈交易的話，勢必就要用臺幣計價的貨幣單位來交易，就可能有它的使用場景。","quality":0.954},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:31:27.568000+08:00","guessed":true,"end":"2026-03-23T11:31:30.911000+08:00","text":"再來，我們會想好……","quality":0},{"speaker":"劉委員書彬","start":"2026-03-23T11:31:30.911000+08:00","guessed":false,"end":"2026-03-23T11:31:42.761000+08:00","text":"所以看起來好像是還在規劃當中，會去評估預期就對了，看起來這樣的規模或實際的需求性，事實上在臺幣穩定幣的需求是少的？","quality":0.887},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:31:43.562000+08:00","guessed":false,"end":"2026-03-23T11:31:44.543000+08:00","text":"對，這我們交給市場，還有就是說……","quality":0.615},{"speaker":"劉委員書彬","start":"2026-03-23T11:31:47.606000+08:00","guessed":false,"end":"2026-03-23T11:31:47.886000+08:00","text":"看起來沒有什麼要解決的問題。","quality":0.923},{"speaker":"劉委員書彬","start":"2026-03-23T11:31:48.226000+08:00","guessed":false,"end":"2026-03-23T11:32:41.737000+08:00","text":"我們再往下看，穩定幣如果普及的話，是否將助長人民所痛恨的詐騙問題，我們看到現在有LINE Pay、街口支付等支付方式，也是數位貨幣的推行，但是如果穩定幣在臺灣普及化的話，對詐騙集團來說，等於是省下購入人頭帳戶的高昂成本，以及帳戶被凍結的時候資金被圈存的危險，只要把被害人的錢換成穩定幣，存入零門檻又不具名的冷錢包，然後再使用混幣器進行轉移，就可以輕鬆地阻斷痕跡到海外去，這樣的話就會造成降低詐騙集團的犯罪成本。","quality":0.794},{"speaker":"劉委員書彬","start":"2026-03-23T11:32:43.780000+08:00","guessed":false,"end":"2026-03-23T11:32:48.708000+08:00","text":"請問金管會有什麼措施去防堵造成這樣的問題？","quality":0.8},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:32:55.380000+08:00","guessed":false,"end":"2026-03-23T11:33:12.995000+08:00","text":"跟委員報告，現在這些幣跟這樣的交易都在市場上已經存在了，今天討論的這部專法如果設立以後，我們更有這樣的基礎跟法源來強化，一定會對這個東西是有正面的幫助，先做個說明。","quality":0.908},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:33:13.996000+08:00","guessed":false,"end":"2026-03-23T11:33:14.757000+08:00","text":"再來就是說……","quality":1},{"speaker":"劉委員書彬","start":"2026-03-23T11:33:14.757000+08:00","guessed":false,"end":"2026-03-23T11:33:19.422000+08:00","text":"主委，冷錢包的狀況跟現在的情況、跟你說的開放，是不一樣的。","quality":0.84},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:33:19.802000+08:00","guessed":false,"end":"2026-03-23T11:33:41.542000+08:00","text":"我是說接下來我們在這部專法裡面，我剛才跟幾位委員報告過了，我們透過更多合規業者的管控、它的交易對手，比如說，未來如果你要透過我們合規交易，你必須做好完整的KYC、必須實名制，完全知道你這個人是誰，接下來你會去哪裡。","quality":0.979},{"speaker":"劉委員書彬","start":"2026-03-23T11:33:42.122000+08:00","guessed":false,"end":"2026-03-23T11:33:59.133000+08:00","text":"可是冷錢包的部分是沒有連上網的，這是一個封閉的體系，如果從交易所的錢匯到冷錢包去，這根本就沒辦法追查，只有他自己知道那些密碼等等，尤其又到混幣器當中，這根本是沒辦法追蹤的，這樣看起來是非常大的漏洞啊！","quality":0.913},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:34:01.897000+08:00","guessed":false,"end":"2026-03-23T11:34:25.843000+08:00","text":"這個部分我們會從整個監管角度，畢竟這些大概都是我們所面臨到的挑戰，這部分我們也會跟相關的檢調單位跟技術團隊來解決這個問題，比如說，未來我們針對這個客戶，誰跟他做交易、誰發行穩定幣，到最後這個穩定幣交給誰，這部分都是實名制的話，我覺得追蹤的軌跡就會比以前好很多。","quality":0.892},{"speaker":"劉委員書彬","start":"2026-03-23T11:34:26.203000+08:00","guessed":false,"end":"2026-03-23T11:34:40.112000+08:00","text":"沒有，如果已經到交易所之後，後面相關的部分，真的，冷錢包的問題根本就沒辦法解決，因為它本身就是一個不具名的，而且是沒有辦法連線上網去了解的。","quality":0.937},{"speaker":"劉委員書彬","start":"2026-03-23T11:34:41.653000+08:00","guessed":false,"end":"2026-03-23T11:34:47.497000+08:00","text":"主委，你現在已經有點在重複回答這個部分，其實沒有得到一個結果，希望金管會未來一定要在虛擬資產服務法當中，針對實質上的問題好好去解決。","quality":0.934},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:34:54.561000+08:00","guessed":false,"end":"2026-03-23T11:35:03.010000+08:00","text":"對，這個技術性的問題，既然委員提到，我們接下來會請相關單位好好去處理，我再跟委員做個回復。","quality":0.9},{"speaker":"劉委員書彬","start":"2026-03-23T11:35:04.011000+08:00","guessed":false,"end":"2026-03-23T11:35:05.993000+08:00","text":"好，大概多久會出來？","quality":1},{"speaker":"劉委員書彬","start":"2026-03-23T11:35:05.993000+08:00","guessed":false,"end":"2026-03-23T11:35:07.395000+08:00","text":"有這個規劃的話……","quality":0.714},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:35:07.395000+08:00","guessed":false,"end":"2026-03-23T11:35:14.662000+08:00","text":"技術上如何解決混幣器的問題，我們會請技術單位了解該怎麼做，我再跟委員說明。","quality":0.912},{"speaker":"劉委員書彬","start":"2026-03-23T11:35:15.605000+08:00","guessed":false,"end":"2026-03-23T11:35:16.425000+08:00","text":"好，時間就希望儘快，大概兩個月之內？可以。好。","quality":0.944},{"speaker":"劉委員書彬","start":"2026-03-23T11:35:16.566000+08:00","guessed":false,"end":"2026-03-23T11:35:51.211000+08:00","text":"我們繼續往下看，在上次FTX交易所事件中，臺灣為全球第七大重災區，如果我們的虛擬資產服務法通過之後，幣安等海外交易所不配合我們的防詐與洗錢規範，甚至也沒有在臺灣落地申請牌照，請問金管會有什麼具體措施來因應呢？","quality":0.825},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:35:52.568000+08:00","guessed":false,"end":"2026-03-23T11:36:10.175000+08:00","text":"我想剛剛委員提到這個問題，任何一個國家的法律，基本上大部分都是以自己的轄區為主，你也很難直接去……除非有國際合作跟國際條約，我想這是未來在共同面對到跨國境的虛擬資產交易時，為什麼大家必須要強化國際合作的原因，這非常重要。","quality":0.871},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:36:11.115000+08:00","guessed":false,"end":"2026-03-23T11:36:25.548000+08:00","text":"至於剛才委員提到一個概念，就是假設我們國人都是透過合法的交易所去交易，其他境外公司就沒辦法直接接觸到我們的投資人，中間這個節點我們就可以去做管理。","quality":0.942},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:36:26.709000+08:00","guessed":false,"end":"2026-03-23T11:36:44.353000+08:00","text":"我剛剛跟委員講的是，其實我們現在很多的虛擬資產業，如果它不是合規的話，我們就會要求我們的金融機構不可以跟它做往來，也就不會入金，這本來就是一個很重要的監理法規的要求，這就是有納管的好處，這也是其中一個做法。","quality":0.937},{"speaker":"劉委員書彬","start":"2026-03-23T11:36:44.953000+08:00","guessed":false,"end":"2026-03-23T11:37:05.638000+08:00","text":"主委，這個問題在於，如果現在金管會沒有去做監管或設立金融機構的交易方式的話，其實現在在網路上就已經可以直接在他們的交易所裡面去做交易，照你提出來的方式，不就等於說就算我們的虛擬資產服務法真的制定出來，也沒辦法監管到他們，它可以跳過你們規定的方式啊！","quality":0.845},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:37:10.499000+08:00","guessed":false,"end":"2026-03-23T11:37:25.349000+08:00","text":"不是，剛剛跟委員報告的是，它今天如果要經過……我們國人最容易接近的還是合規的這些金融機構還有合規的交易所，這部分我們就加強管控，我們一定是這樣來做的，但是境外的部分……","quality":0.813},{"speaker":"劉委員書彬","start":"2026-03-23T11:37:25.569000+08:00","guessed":false,"end":"2026-03-23T11:37:29.192000+08:00","text":"你要有有效的措施，讓它願意到臺灣落腳、來做發行。","quality":0.667},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:37:29.972000+08:00","guessed":false,"end":"2026-03-23T11:37:46.044000+08:00","text":"對，所以這就是信任，假設我們今天能夠給予監管，我想民眾大概會比較相信政府監管的業者，這樣我們就達到這個目的，畢竟你自己要在網路上跟一個境外的交易，你必須承擔更多的風險。","quality":0.987},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:37:46.785000+08:00","guessed":false,"end":"2026-03-23T11:38:02.497000+08:00","text":"剛才也跟委員報告過，全世界在面對虛擬資產，大家都有共同的問題，不是說臺灣特別厲害可以解決這些問題，因為大家都有共同問題，就可以透過國際合作來解決，但是我們必須先做好自己本國內的這些監管……","quality":0.884},{"speaker":"劉委員書彬","start":"2026-03-23T11:38:02.737000+08:00","guessed":false,"end":"2026-03-23T11:38:03.177000+08:00","text":"法規規範。當然！","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:38:03.997000+08:00","guessed":false,"end":"2026-03-23T11:38:11.881000+08:00","text":"現在大家的努力，就包括民眾黨所提的版本，都是希望這個制度更健全，所以我想大家的目標都是一致的。","quality":0.953},{"speaker":"劉委員書彬","start":"2026-03-23T11:38:11.901000+08:00","guessed":false,"end":"2026-03-23T11:38:14.622000+08:00","text":"那我請問一下，像是新加坡、香港遇到這些部分是怎麼處理？","quality":0.667},{"speaker":"劉委員書彬","start":"2026-03-23T11:38:15.923000+08:00","guessed":false,"end":"2026-03-23T11:38:22.826000+08:00","text":"針對讓它落地，像剛剛說的幣安等海外交易，有沒有落地來申請牌照？","quality":0.893},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:38:23.567000+08:00","guessed":false,"end":"2026-03-23T11:38:46.525000+08:00","text":"委員剛剛提到的那家公司，它也不是在全世界大部分的國家都有落地，它是在部分國家有落地，很多國家對不同幣商之間有不同的規範，也不是全部地方都有設計，因為這個部分牽涉到各個地方的規定，還有我們對獨特法規的要求……","quality":0.947},{"speaker":"劉委員書彬","start":"2026-03-23T11:38:46.625000+08:00","guessed":false,"end":"2026-03-23T11:38:56.992000+08:00","text":"所以你說交易的國際合作，就好像是一個空殼子，因為你說怎麼樣去加強國際合作，事實上是不太清楚的。","quality":0.93},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:38:57.813000+08:00","guessed":false,"end":"2026-03-23T11:39:09.919000+08:00","text":"不是，比如像犯罪的國際合作就是一個很重要的，為什麼一個罪犯會從其他國家被引渡回我國，一定是雙方有個協議，否則他在海外，我也沒辦法對他行使我的治權，這很正常。","quality":0.915},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:39:10.339000+08:00","guessed":false,"end":"2026-03-23T11:39:15.782000+08:00","text":"但是假設是大家共同的一個罪犯，大家透過協定就會被……","quality":0.913},{"speaker":"劉委員書彬","start":"2026-03-23T11:39:16.642000+08:00","guessed":false,"end":"2026-03-23T11:39:23.726000+08:00","text":"對，可是你說的是國際合作是在做犯罪的聯防，而不是在說讓他們願意落地在這邊交易。","quality":0.944},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:39:24.326000+08:00","guessed":false,"end":"2026-03-23T11:39:31.270000+08:00","text":"就是我們開放讓它可以來臺灣申請子公司或是分公司，都可以，這個東西就會進入到我們的納管程序。","quality":0.81},{"speaker":"劉委員書彬","start":"2026-03-23T11:39:31.550000+08:00","guessed":false,"end":"2026-03-23T11:39:34.791000+08:00","text":"那就是納管，但現在我的重點是說如果你沒辦法讓他願意落地……","quality":0.654},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:39:35.292000+08:00","guessed":false,"end":"2026-03-23T11:39:43.216000+08:00","text":"它就沒辦法直接面對我們臺灣的客戶，也沒辦法跟我們金融機構做比較便利的往來，它就會增加交易上很大的困擾。","quality":0.917},{"speaker":"劉委員書彬","start":"2026-03-23T11:39:43.216000+08:00","guessed":true,"end":"2026-03-23T11:39:44.216000+08:00","text":"好，我們就繼續來解決。","quality":0.111},{"speaker":"彭主任委員金隆","start":"2026-03-23T11:39:44.216000+08:00","guessed":true,"end":"2026-03-23T11:39:45.216000+08:00","text":"好，謝謝委員。","quality":0},{"speaker":"主席","start":"2026-03-23T11:39:44.458000+08:00","guessed":false,"end":"2026-03-23T11:39:44.759000+08:00","text":"謝謝，我們結束劉書彬委員的質詢。","quality":0.857},{"speaker":"主席","start":"2026-03-23T11:39:45.259000+08:00","guessed":true,"end":"2026-03-23T11:39:49.830429+08:00","text":"接下來，王世堅、王世堅，王世堅委員不在。","quality":0.188},{"speaker":"主席","start":"2026-03-23T11:39:50.130429+08:00","guessed":true,"end":"2026-03-23T11:39:53.844714+08:00","text":"林楚茵、林楚茵，林楚茵委員不在。","quality":0},{"speaker":"主席","start":"2026-03-23T11:39:54.144714+08:00","guessed":true,"end":"2026-03-23T11:39:57.859000+08:00","text":"鄭正鈐、鄭正鈐，鄭正鈐委員不在。","quality":0},{"speaker":"主席","start":"2026-03-23T11:39:58.159000+08:00","guessed":true,"end":"2026-03-23T11:40:00.730429+08:00","text":"接下來請洪孟楷委員。","quality":0}]}},"supported_relations":[],"relations":[]}