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謝謝主席我先讓這個總裁先喝口水啦好 那有請楊總裁"},{"start":19.008,"end":24.451,"text":"總裁早立法院剛剛三讀通過虛擬資產服務法虛擬資產服務法裡面跟央行有關係的應該就是穩定幣央行也負責穩定幣的發行管理"},{"start":36.304,"end":50.916,"text":"這個扮演的這個金融穩定的把關者那我想請問一下這個總裁啦那目前這一個金管會有跟你們央行有共同制定有關於這個穩定並發行許可管理辦法這些的細則這些執法嗎我們也會參與"},{"start":57.041,"end":84.978,"text":"他們有沒有來找你會啊會啊現在因為這個法剛通過嘛所以執法到目前為止據我了解好像還沒有開始的樣子現在還沒開始齁可是進管會主委說半年之內會完成目前執法在嚴定中了對啦那我例如說那何時這個跟你們這個穩定幣有相關的這個執法是穩定幣發行許可管理辦法嗎還有什麼其他的執法嗎"},{"start":85.717,"end":105.431,"text":"有它有一些資安的部分也有要求還有就是因為它其實是兩部一個是初級的發行還有次級的交易那初級發行就當支付型的穩定幣這個部分是一個法規次級的交易就像一個次級市場好像是規比較像服務商的VASP"},{"start":106.252,"end":134.513,"text":"好就是針對不同的對象譬如說穩定幣的發行者是一個規範還有穩定幣的服務商VASP又是一個規範所以這個部分可能就是要分不同的業務功能去做一個管理好那預計執法何時會完成目前已經在嚴定中晚不完成這個我想應該是今晚會說了算他說半年啊他說半年的時間那就半年那就半年那再問一下那穩定幣目前是由這個金融機構發行對不對"},{"start":136.505,"end":142.608,"text":"目前穩定幣未來是由金融機構發行嗎應該是啦 應該是銀行有預估就是說最快這些銀行這些金融機構最快可以核實發行這個穩定幣"},{"start":161.874,"end":187.285,"text":"看看他的那個啦 看看他哪些比較有興趣的明年 明年上半年 這個我不敢這個可能問那個誰啊 可能問金管會會比較能夠問另外一個金融就對了 要問金管會比較明確的那再問一下齁 那這個齁 穩定幣是現在未來發行具有支付的功能嘛"},{"start":188.125,"end":216.064,"text":"那你如果沒有監管的話會危及總體的金融的穩定跟法幣的地位那請教一下央行如果去控管這些風險咧我想就是說第一個我們要看兩個部分第一個部分就是說是新台幣的穩定幣另外一個就是說外幣的穩定幣那如果說是新台幣的穩定幣我覺得我們要監管它比較容易"},{"start":217.084,"end":232.757,"text":"因為畢竟就是說是因為我們自己的國內的機構發行的所以它發行的一個辦法會很明確的它必須要follow它的一個規則它的規定所以我認為新台幣的穩定幣要監管比較容易"},{"start":233.297,"end":259.354,"text":"但是在外匯的這個部分美元的穩定幣第一個美元的穩定幣有誰願意去發行美元的穩定幣我覺得我們台灣可能因為你發行美元的穩定幣的時候除了你台灣的主管機關包括那個金管會還有他要我們來參與同意那這個除了這個主管機關以外他還要"},{"start":260.114,"end":263.496,"text":"符合美國的那個什麼穩定幣的這個規則所以這個不大容易美元但是呢在那個服務商外幣的外幣就是說美元主要我相信是大概是為美元美元穩定幣的服務商他那個平台要做兌換兌換的時候呢那這個呢我們中央銀行一定會我就是說這部分嘛"},{"start":286.986,"end":290.708,"text":"這個我們一定會密切注意他而且我們也認為就是說如果說他的做法跟我們現在的外匯指定銀行所做的兌換或是出去進來的這些我們大概會用同樣的管理的辦法來管理他"},{"start":310.316,"end":317.924,"text":"有辦法嗎應該是可以因為那個穩定幣它具有跨境點對點的這個即時傳輸然後24小時不間斷的交易一些去中心化的特性這跟你過去你透過外匯銀行跟SWIFT的系統建立的外匯申報的系統這個進度就兩個這個時間"},{"start":333.559,"end":353.698,"text":"會差很多你有沒有辦法說用你傳統去管外匯的方式去管這些我認為就是說他在兌換他要出去出去的速度怎麼樣那我總覺得比較不會有受影響最主要就是說你要進去你要進來你要買賣"},{"start":358.662,"end":366.986,"text":"那一定比傳統外賣還快啊至於就是說它速度的快慢我認為那是其次那你重點在哪裡重點還是在於你的買賣你的進來你的出去就是這樣子可是會用跟你傳統去做這個外賣管制的方法是一樣嗎大概差不多"},{"start":377.29,"end":381.832,"text":"大概差不多喔?大概差不多不過委員我也不能說在這裡非常百分之百啦來跟你講說差不多啦不過我們現在目前所想像的也許委員是對的啦"},{"start":393.957,"end":410.327,"text":"就是說這個可能跟傳統的不大一樣一定不一樣的啊對 但是呢 沒關係因為你如果說這個平台成立了以後呢我們會去真正的去了解它那這個的話我相信中央議員現在應該就要去了解了吧現在應該就要去了解了吧也可以啊 也可以啊"},{"start":411.706,"end":437.293,"text":"但是呢但是呢我跟委員報告他的這個外匯的傳輸一定比這個傳輸還要快我跟委員報告事實上呢我們我們也有一個理事啊他他就說他們銀行他們try他們try這個就是說這個外匯的一個的那個速度啦還有他們買賣的那個方便於我他說跟傳統的呢也不一定是比傳統的好"},{"start":438.633,"end":441.299,"text":"他給我們的這個他說他有實際的去try去嘗試他說沒有不過不見得我是提醒就是說這個對於你這個"},{"start":449.434,"end":465.443,"text":"之前外匯管制的系統跟現在有穩定幣傳輸的速度很快24小時跟你現在管理的方式可能會不太一樣針對外匯的這方面那現在央行的數位貨幣進度如何我講批發型的就好了"},{"start":475.919,"end":485.308,"text":"我們就分兩部分一個是Retail CPTC 後市有CPTC那Retail CPTC之前都有報告過因為沒有急迫性所以我們就是把我們原來我想說這個批發型的這個數位貨幣跟這個穩定幣之間的關係"},{"start":492.161,"end":517.555,"text":"目前是這樣 那個HOSEO CPTC它的準備性如果代幣的話是可以做一個清算資產所以未來假設不同體系的穩定幣假設他們要做一個互通性 跨體系的處理移轉的時候或許可以用到HOSEO CPTC這樣一個清算的工具那目前這個部分我們是可能是先做存款代幣這部分的試驗那未來如果說有跨體系的穩定幣的需要可以再來考慮看看"},{"start":518.636,"end":527.286,"text":"如果說現在要發行這個Vespa發行穩定幣的話那我們我們央行是不是要有這一個P發行的這一個數位貨幣作為一個最終的清算的一個基礎"},{"start":529.056,"end":548.715,"text":"第一個目前我來看應該是還沒有這樣的需求因為目前國內如果要發美元穩定幣的話應該不太是自己發應該是用國際的美元穩定幣那國際美元穩定幣不管是USTC或STC來看它都製成一個體系在做所以目前他們沒有跨體系的打算未來可能還要再看目前是沒有"},{"start":549.275,"end":575.915,"text":"那第二個我們國內在發展的部分的話是因為我們目前已經有做到部分的準備已經會做代幣化那今年如果可以落地的話可能先支援銀行間的黃金代幣這樣的移轉所以今年底應該可以做出一個實驗的一個試做的計畫就是支援所謂的銀行間的黃金代幣那目前至於穩定幣我覺得應該是目前還沒有這樣的需求好"},{"start":577.297,"end":597.458,"text":"那我最後再請教這一個總裁剛剛我看也蠻多委員在關心雖然說這個第七波信用管制已經是結束了嘛那可是現在就是說我們現在鼓勵生小孩我們希望說生了小孩本來是兩人家庭現在小孩有三個四個那更好"},{"start":597.958,"end":616.415,"text":"那可是你的小孩增加你就要換屋嘛那你現在換屋我們對換屋的這些年輕的爸爸媽媽來講我覺得還不夠體貼啦就是說你現在這個他們一定是也沒這麼多錢一定是把你第一間房子賣掉之後再買第二間那可是會有過渡期啊"},{"start":617.256,"end":637.495,"text":"那這個過渡期你們現在就是說他要一年半的時間就把它賣掉而且貸款的成數只有六成這個會不會對於我們現在政府要推的這些國家與你一起養這些育兒政策你們的政策要稍微做一些調整對於這些年輕的爸爸媽媽他們要換房有更體貼的做法"},{"start":638.484,"end":659.177,"text":"事實上我跟委員報告就是說換屋的這個好像聽起來就是說都是中央銀行給他們很不方便那事實上我們也剛看那個網路他說銀行都在這個部分他們都不做事實上也不是因為銀行都是聽中央銀行的"},{"start":661.158,"end":678.572,"text":"對 所以呢 蔓延熙 您只要說您的態度怎麼樣 我相信這個銀行馬上就會做調整對對 所以我就說 剛剛你說選擇信息管制是不是到此為止事實上 我還是 我們的回答還是 我們還是滾動式檢討"},{"start":681.094,"end":694.424,"text":"我們還是滾動性檢討那我剛才所提到說你要換屋的不管你的層數或是你的年限還在你的管制當中嗎我想就是說我們會滾動性檢討怎麼來做適當的處理有沒有調整放寬的可能性嗎"},{"start":706.191,"end":724.978,"text":"我想未來應該是有啊因為未來應該有啊這個下個月也是未來啊對啦 對啦但是我沒辦法我沒辦法來跟委員說下個月就是啊我知道但是我問一下大方向是不是有可能來做放寬的調整"},{"start":725.678,"end":744.794,"text":"未來就可以啊未來就可以應該未來可以啊未來只是說那個timing我們就說滾動所以我說那個timing是9月還是12月還是明年對我們這些年輕的爸爸媽媽來講這差別就很大你越快去做調整對他們來講負擔經濟的負擔心理負擔會更少好不好我們盡快來做調整好不好我們會滾動式檢討你沒有被我引誘出來就說好我們盡快來做調整"},{"start":755.771,"end":777.8,"text":"可以嗎 盡快做調整我們會啦 我想我們會在未來會做對啦 因為這個國家一起講這個政策這個不分黨派都支持那我想不分黨派能夠稍微放鬆一點讓他們換屋的時候心理經濟壓力不會那麼大好不好好 謝謝謝謝李坤城委員接著我們請彥秀委員"}]}},"supported_relations":[],"relations":[]}