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好 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"}],"gazette":[{"speaker":"李委員坤城","start":"2026-07-09T10:31:19.557000+08:00","guessed":false,"end":"2026-07-09T10:31:22.683000+08:00","text":"謝謝主席，先讓總裁先喝口水。","quality":1},{"speaker":"李委員坤城","start":"2026-07-09T10:31:23.064000+08:00","guessed":false,"end":"2026-07-09T10:31:23.084000+08:00","text":"有請楊總裁。","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:31:23.084000+08:00","guessed":true,"end":"2026-07-09T10:31:34.008000+08:00","text":"委員早。","quality":0},{"speaker":"李委員坤城","start":"2026-07-09T10:31:34.008000+08:00","guessed":false,"end":"2026-07-09T10:31:34.809000+08:00","text":"總裁早。","quality":1},{"speaker":"李委員坤城","start":"2026-07-09T10:31:34.829000+08:00","guessed":false,"end":"2026-07-09T10:31:53.646000+08:00","text":"立法院剛剛三讀通過虛擬資產服務法，而虛擬資產服務法中跟央行有關係的，應該就是穩定幣，也就是央行負責穩定幣的發行管理，扮演金融穩定的把關者。","quality":0.922},{"speaker":"李委員坤城","start":"2026-07-09T10:31:54.647000+08:00","guessed":false,"end":"2026-07-09T10:32:05.876000+08:00","text":"我想請問總裁，目前金管會有跟央行共同制定關於穩定幣發行許可管理辦法的相關細則與子法嗎？","quality":0.878},{"speaker":"楊總裁金龍","start":"2026-07-09T10:32:05.876000+08:00","guessed":false,"end":"2026-07-09T10:32:05.916000+08:00","text":"會，我們也會參與。","quality":0.857},{"speaker":"李委員坤城","start":"2026-07-09T10:32:12.041000+08:00","guessed":false,"end":"2026-07-09T10:32:12.902000+08:00","text":"他們有沒有來找你？會啊！","quality":1},{"speaker":"李委員坤城","start":"2026-07-09T10:32:12.902000+08:00","guessed":true,"end":"2026-07-09T10:32:17.064000+08:00","text":"我是說進度怎麼樣？","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:32:17.064000+08:00","guessed":false,"end":"2026-07-09T10:32:22.447000+08:00","text":"因為法剛通過，所以到目前為止，據我了解，子法好像還沒有開始。","quality":0.923},{"speaker":"李委員坤城","start":"2026-07-09T10:32:23.308000+08:00","guessed":false,"end":"2026-07-09T10:32:23.848000+08:00","text":"現在還沒開始？","quality":1},{"speaker":"李委員坤城","start":"2026-07-09T10:32:24.949000+08:00","guessed":false,"end":"2026-07-09T10:32:26.890000+08:00","text":"可是金管會主委說半年之內會完成？","quality":0.933},{"speaker":"謝局長鳳瑛","start":"2026-07-09T10:32:29.592000+08:00","guessed":false,"end":"2026-07-09T10:32:31.233000+08:00","text":"目前子法在研訂中了。","quality":0.667},{"speaker":"李委員坤城","start":"2026-07-09T10:32:31.833000+08:00","guessed":false,"end":"2026-07-09T10:32:34.034000+08:00","text":"對，我的意思是何時？","quality":0.5},{"speaker":"李委員坤城","start":"2026-07-09T10:32:34.034000+08:00","guessed":false,"end":"2026-07-09T10:32:38.957000+08:00","text":"跟穩定幣相關的子法是穩定幣發行許可管理辦法嗎？","quality":0.955},{"speaker":"李委員坤城","start":"2026-07-09T10:32:38.957000+08:00","guessed":false,"end":"2026-07-09T10:32:39.958000+08:00","text":"還是有其他的子法？","quality":0.75},{"speaker":"謝局長鳳瑛","start":"2026-07-09T10:32:40.717000+08:00","guessed":false,"end":"2026-07-09T10:32:47.882000+08:00","text":"有，有些資安的部分也有要求，還有……其實這是兩部，一個是初級的發行，還有次級的交易。","quality":0.971},{"speaker":"謝局長鳳瑛","start":"2026-07-09T10:32:48.843000+08:00","guessed":false,"end":"2026-07-09T10:32:53.807000+08:00","text":"初級發行就當支付型的穩定幣，這部分屬於法規。","quality":0.9},{"speaker":"謝局長鳳瑛","start":"2026-07-09T10:32:53.807000+08:00","guessed":false,"end":"2026-07-09T10:33:12.260000+08:00","text":"次級的交易就像一個次級市場，比較像服務商的VASP，即針對不同對象，譬如穩定幣的發行者是一個規範，此外，穩定幣的服務商VASP又是一個規範，所以要分不同的業務功能去管理。","quality":0.962},{"speaker":"李委員坤城","start":"2026-07-09T10:33:13.561000+08:00","guessed":false,"end":"2026-07-09T10:33:14.282000+08:00","text":"子法預計何時會完成？","quality":0.778},{"speaker":"謝局長鳳瑛","start":"2026-07-09T10:33:15.943000+08:00","guessed":false,"end":"2026-07-09T10:33:20.506000+08:00","text":"目前已經在研訂中，至於完不完成，我想應該是金管會說了算。","quality":0.72},{"speaker":"李委員坤城","start":"2026-07-09T10:33:21.027000+08:00","guessed":false,"end":"2026-07-09T10:33:23.028000+08:00","text":"他說要半年的時間。","quality":0.875},{"speaker":"謝局長鳳瑛","start":"2026-07-09T10:33:23.028000+08:00","guessed":false,"end":"2026-07-09T10:33:23.529000+08:00","text":"那就半年。","quality":1},{"speaker":"李委員坤城","start":"2026-07-09T10:33:23.849000+08:00","guessed":false,"end":"2026-07-09T10:33:24.549000+08:00","text":"那就半年？","quality":1},{"speaker":"李委員坤城","start":"2026-07-09T10:33:25.450000+08:00","guessed":false,"end":"2026-07-09T10:33:29.513000+08:00","text":"我再問一下，目前穩定幣是由金融機構發行，對不對？","quality":0.857},{"speaker":"楊總裁金龍","start":"2026-07-09T10:33:29.513000+08:00","guessed":true,"end":"2026-07-09T10:33:33.286000+08:00","text":"你的意思是要由……","quality":0},{"speaker":"李委員坤城","start":"2026-07-09T10:33:33.286000+08:00","guessed":false,"end":"2026-07-09T10:33:34.126000+08:00","text":"未來穩定幣應該是由金融機構發行吧？","quality":0.688},{"speaker":"楊總裁金龍","start":"2026-07-09T10:33:34.646000+08:00","guessed":false,"end":"2026-07-09T10:33:34.666000+08:00","text":"應該是銀行。","quality":1},{"speaker":"李委員坤城","start":"2026-07-09T10:33:34.666000+08:00","guessed":true,"end":"2026-07-09T10:33:35.666000+08:00","text":"由銀行來發行，對不對？對。","quality":0},{"speaker":"李委員坤城","start":"2026-07-09T10:33:34.726000+08:00","guessed":false,"end":"2026-07-09T10:33:37.608000+08:00","text":"預估這些銀行跟金融機構最快何時可以發行穩定幣？","quality":0.864},{"speaker":"謝局長鳳瑛","start":"2026-07-09T10:33:37.608000+08:00","guessed":true,"end":"2026-07-09T10:33:57.114000+08:00","text":"看銀行的意願。","quality":0.167},{"speaker":"楊總裁金龍","start":"2026-07-09T10:33:57.114000+08:00","guessed":false,"end":"2026-07-09T10:34:00.916000+08:00","text":"看哪些銀行比較有興趣。","quality":0.8},{"speaker":"李委員坤城","start":"2026-07-09T10:34:02.977000+08:00","guessed":false,"end":"2026-07-09T10:34:03.837000+08:00","text":"明年上半年？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:34:04.417000+08:00","guessed":false,"end":"2026-07-09T10:34:10.140000+08:00","text":"這個我不敢……可能問金管會會比較……","quality":1},{"speaker":"李委員坤城","start":"2026-07-09T10:34:11.220000+08:00","guessed":false,"end":"2026-07-09T10:34:12.221000+08:00","text":"問另外一個金融管理機關就對了？","quality":0.714},{"speaker":"楊總裁金龍","start":"2026-07-09T10:34:12.721000+08:00","guessed":false,"end":"2026-07-09T10:34:14.762000+08:00","text":"要問金管會才會比較明確知道。","quality":0.692},{"speaker":"李委員坤城","start":"2026-07-09T10:34:16.522000+08:00","guessed":false,"end":"2026-07-09T10:34:22.105000+08:00","text":"再請問一下，未來穩定幣發行後將具有支付功能？對。","quality":0.714},{"speaker":"李委員坤城","start":"2026-07-09T10:34:23.606000+08:00","guessed":false,"end":"2026-07-09T10:34:33.612000+08:00","text":"如果沒有監管的話，會危及總體金融的穩定跟法幣地位，請教央行如何控管這些風險？","quality":0.971},{"speaker":"楊總裁金龍","start":"2026-07-09T10:34:37.535000+08:00","guessed":false,"end":"2026-07-09T10:34:46.361000+08:00","text":"我們要看兩個部分：第一個，新臺幣的穩定幣；另外一個是外幣的穩定幣。","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:34:46.561000+08:00","guessed":false,"end":"2026-07-09T10:35:07.737000+08:00","text":"如果是新臺幣的穩定幣，我覺得我們要監管比較容易，畢竟是我們自己的國內機構所發行的，因此發行的辦法會很明確，也必須follow相關規則與規定，所以我認為新臺幣的穩定幣要監管比較容易。","quality":0.917},{"speaker":"楊總裁金龍","start":"2026-07-09T10:35:09.318000+08:00","guessed":false,"end":"2026-07-09T10:35:16.923000+08:00","text":"至於外匯部分，以美元的穩定幣來說，誰願意發行美元的穩定幣？","quality":0.808},{"speaker":"楊總裁金龍","start":"2026-07-09T10:35:16.923000+08:00","guessed":false,"end":"2026-07-09T10:35:30.051000+08:00","text":"我覺得我們臺灣可能……因為發行美元的穩定幣時，需要臺灣的主管機關，包括金管會，還要我們的參與同意。","quality":0.93},{"speaker":"楊總裁金龍","start":"2026-07-09T10:35:31.772000+08:00","guessed":false,"end":"2026-07-09T10:35:36.175000+08:00","text":"除了主管機關以外，還要符合美國對穩定幣的規則，所以不大容易。","quality":0.963},{"speaker":"楊總裁金龍","start":"2026-07-09T10:35:36.355000+08:00","guessed":false,"end":"2026-07-09T10:35:38.256000+08:00","text":"但外幣服務商……我相信主要是以美元為主，所以當美元穩定幣的服務商平臺要做兌換時，中央銀行一定會進入。","quality":0.733},{"speaker":"李委員坤城","start":"2026-07-09T10:35:38.256000+08:00","guessed":false,"end":"2026-07-09T10:35:38.456000+08:00","text":"我說的就是這部分……","quality":0.75},{"speaker":"楊總裁金龍","start":"2026-07-09T10:35:38.456000+08:00","guessed":true,"end":"2026-07-09T10:35:50.221000+08:00","text":"對、對，這部分我們……","quality":0.143},{"speaker":"李委員坤城","start":"2026-07-09T10:35:50.221000+08:00","guessed":true,"end":"2026-07-09T10:36:01.986000+08:00","text":"VASP在做穩定幣交易的時候……","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:36:01.986000+08:00","guessed":false,"end":"2026-07-09T10:36:02.647000+08:00","text":"我們一定會密切注意它。","quality":0.9},{"speaker":"楊總裁金龍","start":"2026-07-09T10:36:02.827000+08:00","guessed":false,"end":"2026-07-09T10:36:05.648000+08:00","text":"而且我們也認為，如果它的作法跟我們現在外匯指定銀行所做的兌換或出去、進來一樣時，我們會用同樣的管理辦法來管理它！","quality":0.885},{"speaker":"李委員坤城","start":"2026-07-09T10:36:25.316000+08:00","guessed":false,"end":"2026-07-09T10:36:26.938000+08:00","text":"有辦法嗎？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:36:26.938000+08:00","guessed":false,"end":"2026-07-09T10:36:27.218000+08:00","text":"應該可以。","quality":1},{"speaker":"李委員坤城","start":"2026-07-09T10:36:27.598000+08:00","guessed":false,"end":"2026-07-09T10:36:29.240000+08:00","text":"因為穩定幣具有跨境、點對點的即時傳輸……","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:36:29.240000+08:00","guessed":true,"end":"2026-07-09T10:36:30.240000+08:00","text":"對，這個就是跨境。","quality":0},{"speaker":"李委員坤城","start":"2026-07-09T10:36:29.961000+08:00","guessed":false,"end":"2026-07-09T10:36:53.223000+08:00","text":"二十四小時不間斷交易的去中性化特性，這與過去透過外匯銀行、Swift系統建立的外匯申報進度相較，兩個在時間上會差很多，所以有辦法用傳統管外匯的方式去管這些VASP……","quality":0.74},{"speaker":"楊總裁金龍","start":"2026-07-09T10:36:53.223000+08:00","guessed":true,"end":"2026-07-09T10:36:55.395000+08:00","text":"不會、不會。","quality":0},{"speaker":"李委員坤城","start":"2026-07-09T10:36:55.395000+08:00","guessed":true,"end":"2026-07-09T10:36:57.567000+08:00","text":"他們在做的美元穩定幣交易？","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:36:57.567000+08:00","guessed":false,"end":"2026-07-09T10:37:08.638000+08:00","text":"我認為它在兌換、它要出去，出去的速度怎麼樣，我總覺得那比較不會有所影響，最主要是進去、要進來，對不對？","quality":0.841},{"speaker":"楊總裁金龍","start":"2026-07-09T10:37:08.638000+08:00","guessed":false,"end":"2026-07-09T10:37:08.698000+08:00","text":"你要買賣……","quality":1},{"speaker":"李委員坤城","start":"2026-07-09T10:37:13.962000+08:00","guessed":false,"end":"2026-07-09T10:37:14.943000+08:00","text":"一定比傳統外匯還快。","quality":0.889},{"speaker":"楊總裁金龍","start":"2026-07-09T10:37:15.783000+08:00","guessed":false,"end":"2026-07-09T10:37:18.164000+08:00","text":"至於速度的快慢，我認為那是其次。其次？","quality":0.875},{"speaker":"李委員坤城","start":"2026-07-09T10:37:18.164000+08:00","guessed":true,"end":"2026-07-09T10:37:19.164000+08:00","text":"所以重點是？","quality":0},{"speaker":"李委員坤城","start":"2026-07-09T10:37:18.824000+08:00","guessed":false,"end":"2026-07-09T10:37:19.325000+08:00","text":"重點在哪裡？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:37:19.325000+08:00","guessed":false,"end":"2026-07-09T10:37:20.645000+08:00","text":"重點在於買賣和你的進來、你的出去，就是這樣。","quality":0.947},{"speaker":"李委員坤城","start":"2026-07-09T10:37:20.945000+08:00","guessed":false,"end":"2026-07-09T10:37:21.826000+08:00","text":"可是跟你用傳統對外匯管制的方法一樣嗎？","quality":0.833},{"speaker":"楊總裁金龍","start":"2026-07-09T10:37:21.826000+08:00","guessed":false,"end":"2026-07-09T10:37:21.966000+08:00","text":"也是大概差不多。","quality":0.714},{"speaker":"李委員坤城","start":"2026-07-09T10:37:32.290000+08:00","guessed":false,"end":"2026-07-09T10:37:32.710000+08:00","text":"大概差不多？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:37:33.190000+08:00","guessed":false,"end":"2026-07-09T10:37:33.631000+08:00","text":"大概差不多。","quality":1},{"speaker":"李委員坤城","start":"2026-07-09T10:37:33.631000+08:00","guessed":true,"end":"2026-07-09T10:37:34.631000+08:00","text":"舊的方法能管到新技術嗎？","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:37:34.411000+08:00","guessed":false,"end":"2026-07-09T10:37:50.978000+08:00","text":"我在這裡不能百分之百跟你說差不多，但我們目前所想像的，也許委員是對的，也就是可能跟傳統的不大一樣……","quality":0.911},{"speaker":"李委員坤城","start":"2026-07-09T10:37:50.978000+08:00","guessed":false,"end":"2026-07-09T10:37:51.619000+08:00","text":"一定不一樣！","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:37:52.139000+08:00","guessed":false,"end":"2026-07-09T10:38:01.424000+08:00","text":"對，但是沒關係，因為平臺成立以後，我們會真正去了解它，我相信中央銀行……","quality":0.933},{"speaker":"李委員坤城","start":"2026-07-09T10:38:01.504000+08:00","guessed":false,"end":"2026-07-09T10:38:04.226000+08:00","text":"你們現在就應該要去了解了吧？","quality":0.769},{"speaker":"楊總裁金龍","start":"2026-07-09T10:38:04.386000+08:00","guessed":false,"end":"2026-07-09T10:38:04.686000+08:00","text":"也可以。","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:38:06.706000+08:00","guessed":false,"end":"2026-07-09T10:38:08.527000+08:00","text":"但是我跟委員報告……","quality":1},{"speaker":"李委員坤城","start":"2026-07-09T10:38:09.147000+08:00","guessed":false,"end":"2026-07-09T10:38:11.467000+08:00","text":"因為它的外匯傳輸速度一定比傳統還要快！","quality":0.667},{"speaker":"楊總裁金龍","start":"2026-07-09T10:38:11.647000+08:00","guessed":false,"end":"2026-07-09T10:38:27.251000+08:00","text":"我跟委員報告，我們有一個理事說他們銀行也在try這種外匯速度與買賣的方便與否。","quality":0.838},{"speaker":"楊總裁金龍","start":"2026-07-09T10:38:28.032000+08:00","guessed":false,"end":"2026-07-09T10:38:32.273000+08:00","text":"他說跟傳統的比，不一定比傳統的好。","quality":0.933},{"speaker":"楊總裁金龍","start":"2026-07-09T10:38:34.956000+08:00","guessed":false,"end":"2026-07-09T10:38:35.718000+08:00","text":"他說他有實際的去try、去嘗試。","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:38:35.718000+08:00","guessed":false,"end":"2026-07-09T10:38:35.998000+08:00","text":"他說沒有，不見得……","quality":1},{"speaker":"李委員坤城","start":"2026-07-09T10:38:36.018000+08:00","guessed":false,"end":"2026-07-09T10:38:58.722000+08:00","text":"我是提醒，之前的外匯管制系統或方式跟現在的穩定幣相比，因為穩定幣的傳輸速度很快，且是二十四小時的，這跟現在的管理方式可能會不太一樣，尤其是針對外匯方面。對。","quality":0.648},{"speaker":"李委員坤城","start":"2026-07-09T10:38:59.202000+08:00","guessed":false,"end":"2026-07-09T10:38:59.983000+08:00","text":"我再請教央行的數位貨幣進度如何？","quality":0.733},{"speaker":"李委員坤城","start":"2026-07-09T10:39:00.123000+08:00","guessed":false,"end":"2026-07-09T10:39:00.403000+08:00","text":"講批發型的就好。","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:39:00.403000+08:00","guessed":true,"end":"2026-07-09T10:39:10.919000+08:00","text":"請業務局。","quality":0},{"speaker":"謝局長鳳瑛","start":"2026-07-09T10:39:10.919000+08:00","guessed":false,"end":"2026-07-09T10:39:13.962000+08:00","text":"我們就分兩部分：一個是Retail CBDC，一個是Wholesale CBDC。","quality":0.556},{"speaker":"謝局長鳳瑛","start":"2026-07-09T10:39:14.623000+08:00","guessed":false,"end":"2026-07-09T10:39:19.567000+08:00","text":"Retail CBDC之前有報告過，因為沒有急迫性，所以我們就是把原來……","quality":0.938},{"speaker":"李委員坤城","start":"2026-07-09T10:39:19.828000+08:00","guessed":false,"end":"2026-07-09T10:39:20.308000+08:00","text":"就講批發型的數位貨幣跟穩定幣之間的關係。","quality":0.895},{"speaker":"謝局長鳳瑛","start":"2026-07-09T10:39:27.161000+08:00","guessed":false,"end":"2026-07-09T10:39:44.611000+08:00","text":"目前是這樣，Wholesale CBDC的準備金如果代幣化可以作為清算資產，未來假設不同體系的穩定幣要做互通性，做跨體系處理的移轉時，或許可以用到Wholesale CBDC這個清算工具。","quality":0.678},{"speaker":"謝局長鳳瑛","start":"2026-07-09T10:39:45.411000+08:00","guessed":false,"end":"2026-07-09T10:39:52.535000+08:00","text":"目前這部分我們可能先做存款代幣的試驗，未來如果有跨體系的穩定幣需要，可以再來考慮看看。","quality":1},{"speaker":"李委員坤城","start":"2026-07-09T10:39:53.636000+08:00","guessed":false,"end":"2026-07-09T10:40:02.286000+08:00","text":"如果現在VASP要發行穩定幣的話，我們央行是不是要有批發型的數位貨幣，作為最終清算的一個基礎？","quality":0.864},{"speaker":"謝局長鳳瑛","start":"2026-07-09T10:40:04.056000+08:00","guessed":false,"end":"2026-07-09T10:40:13.845000+08:00","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。","quality":1},{"speaker":"謝局長鳳瑛","start":"2026-07-09T10:40:14.386000+08:00","guessed":false,"end":"2026-07-09T10:40:23.695000+08:00","text":"國際美元穩定幣不管是USDT或是USDC來看，它都自成一個體系在做，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。","quality":0.912},{"speaker":"謝局長鳳瑛","start":"2026-07-09T10:40:24.495000+08:00","guessed":false,"end":"2026-07-09T10:40:50.755000+08:00","text":"第二個，我們國內在發展的部分，因為我們目前已經有做到Wholesale CBDC，所以我們部分的準備金會做代幣化，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移轉，所以今年底應該可以做出一個實驗試作的計畫，就算支援所謂銀行間的黃金代幣，至於穩定幣，我覺得目前應該還沒有這樣的需求。OK。","quality":0.822},{"speaker":"李委員坤城","start":"2026-07-09T10:40:52.677000+08:00","guessed":false,"end":"2026-07-09T10:41:02.167000+08:00","text":"我最後再請教總裁，剛剛我看也有滿多委員在關心，第七波信用管制已經結束了嘛！嗯……","quality":0.914},{"speaker":"李委員坤城","start":"2026-07-09T10:41:02.167000+08:00","guessed":true,"end":"2026-07-09T10:41:04.329000+08:00","text":"結束了。","quality":0},{"speaker":"李委員坤城","start":"2026-07-09T10:41:04.329000+08:00","guessed":false,"end":"2026-07-09T10:41:14.800000+08:00","text":"可是我們現在鼓勵生小孩，本來是兩人家庭，現在有小孩，有三個、四個那更好，可是小孩增加，你就要換屋，對不對？","quality":0.911},{"speaker":"李委員坤城","start":"2026-07-09T10:41:16.722000+08:00","guessed":false,"end":"2026-07-09T10:41:52.475000+08:00","text":"現在換屋，我們對於換屋這些年輕的爸爸媽媽來講，我覺得還不夠體貼，他們也沒這麼多錢，一定是把第一間房子賣掉之後再買第二間，可是會有過渡期，這個過渡期，現在就是要在一年半的時間把它賣掉，而且貸款成數只有六成，對於現在政府要推的「國家與你一起養」等等這些育兒政策，你們的政策要稍微做一些調整，對於這些年輕的爸爸媽媽要換房有更體貼的做法。","quality":0.974},{"speaker":"楊總裁金龍","start":"2026-07-09T10:41:53.484000+08:00","guessed":false,"end":"2026-07-09T10:42:06.552000+08:00","text":"事實上，我跟委員報告，換屋這個部分好像聽起來都是中央銀行給他們很不方便，事實上我們也看……","quality":0.95},{"speaker":"李委員坤城","start":"2026-07-09T10:42:06.552000+08:00","guessed":true,"end":"2026-07-09T10:42:07.552000+08:00","text":"人家都說是中央銀行啊……","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:42:07.233000+08:00","guessed":false,"end":"2026-07-09T10:42:11.915000+08:00","text":"我們也看網路，他們說銀行在這個部分，他們都不做，事實上也不盡然是這樣。","quality":0.71},{"speaker":"李委員坤城","start":"2026-07-09T10:42:13.156000+08:00","guessed":false,"end":"2026-07-09T10:42:14.157000+08:00","text":"因為銀行都聽中央銀行的啊！","quality":0.917},{"speaker":"楊總裁金龍","start":"2026-07-09T10:42:16.158000+08:00","guessed":false,"end":"2026-07-09T10:42:16.318000+08:00","text":"對，所以中央銀行……","quality":0.429},{"speaker":"李委員坤城","start":"2026-07-09T10:42:18.941000+08:00","guessed":false,"end":"2026-07-09T10:42:23.464000+08:00","text":"沒關係，您只要說您的態度怎麼樣，我相信銀行馬上就會做調整。","quality":0.885},{"speaker":"楊總裁金龍","start":"2026-07-09T10:42:25.186000+08:00","guessed":false,"end":"2026-07-09T10:42:33.572000+08:00","text":"對，所以剛剛你說選擇性管制是不是到此為止，事實上，我們回答我們還是滾動式檢討。","quality":0.971},{"speaker":"李委員坤城","start":"2026-07-09T10:42:36.434000+08:00","guessed":false,"end":"2026-07-09T10:42:37.575000+08:00","text":"好，還是滾動式檢討。是。","quality":0.667},{"speaker":"李委員坤城","start":"2026-07-09T10:42:37.575000+08:00","guessed":false,"end":"2026-07-09T10:42:41.158000+08:00","text":"那沒關係，我剛才所提到你要換屋的……","quality":0.8},{"speaker":"楊總裁金龍","start":"2026-07-09T10:42:41.158000+08:00","guessed":true,"end":"2026-07-09T10:42:42.158000+08:00","text":"但是，我們會……","quality":0},{"speaker":"李委員坤城","start":"2026-07-09T10:42:42.038000+08:00","guessed":false,"end":"2026-07-09T10:42:45.261000+08:00","text":"不管成數或是年限，還在你的管制當中嗎？","quality":0.941},{"speaker":"楊總裁金龍","start":"2026-07-09T10:42:45.261000+08:00","guessed":false,"end":"2026-07-09T10:42:48.483000+08:00","text":"不，我想我們會滾動式檢討，視怎麼做適當的處理，我們會……","quality":0.739},{"speaker":"李委員坤城","start":"2026-07-09T10:42:48.503000+08:00","guessed":false,"end":"2026-07-09T10:42:49.404000+08:00","text":"好，有沒有調整放寬的可能性？","quality":0.917},{"speaker":"楊總裁金龍","start":"2026-07-09T10:43:01.191000+08:00","guessed":false,"end":"2026-07-09T10:43:07.514000+08:00","text":"我想未來應該是有，未來應該有啊！","quality":1},{"speaker":"李委員坤城","start":"2026-07-09T10:43:08.254000+08:00","guessed":false,"end":"2026-07-09T10:43:09.234000+08:00","text":"未來時間很長，下個月也是未來、三個月也是未來。","quality":0.35},{"speaker":"楊總裁金龍","start":"2026-07-09T10:43:09.814000+08:00","guessed":false,"end":"2026-07-09T10:43:15.616000+08:00","text":"對啦，但是我沒辦法跟委員說下個月就是啦！","quality":0.944},{"speaker":"李委員坤城","start":"2026-07-09T10:43:15.856000+08:00","guessed":false,"end":"2026-07-09T10:43:16.097000+08:00","text":"對，我知道。","quality":0.75},{"speaker":"李委員坤城","start":"2026-07-09T10:43:17.337000+08:00","guessed":false,"end":"2026-07-09T10:43:19.958000+08:00","text":"好，我問一個大方向，是不是有可能做放寬的調整？","quality":0.9},{"speaker":"楊總裁金龍","start":"2026-07-09T10:43:20.678000+08:00","guessed":false,"end":"2026-07-09T10:43:21.439000+08:00","text":"未來就可以啊。","quality":1},{"speaker":"李委員坤城","start":"2026-07-09T10:43:21.699000+08:00","guessed":false,"end":"2026-07-09T10:43:22.340000+08:00","text":"未來就可以？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:43:22.660000+08:00","guessed":false,"end":"2026-07-09T10:43:25.822000+08:00","text":"應該未來可以，只是那個timing，我們就說滾動式檢討……","quality":0.88},{"speaker":"李委員坤城","start":"2026-07-09T10:43:25.822000+08:00","guessed":false,"end":"2026-07-09T10:43:32.188000+08:00","text":"對啊，所以我說那個timing啊，是9月，還是12月，還是明年？對，都……","quality":0.846},{"speaker":"李委員坤城","start":"2026-07-09T10:43:32.188000+08:00","guessed":false,"end":"2026-07-09T10:43:36.992000+08:00","text":"對於我們這些年輕的爸爸媽媽來講，這差別就很大，你越快去調整，對他們來講，經濟的負擔、心理的負擔會更少，好不好？好。","quality":0.918},{"speaker":"李委員坤城","start":"2026-07-09T10:43:37.012000+08:00","guessed":false,"end":"2026-07-09T10:43:37.812000+08:00","text":"我們儘快調整，好不好？","quality":0.889},{"speaker":"楊總裁金龍","start":"2026-07-09T10:43:37.993000+08:00","guessed":false,"end":"2026-07-09T10:43:38.133000+08:00","text":"我們會滾動式檢討啦，好不好？","quality":0.667},{"speaker":"李委員坤城","start":"2026-07-09T10:43:38.133000+08:00","guessed":false,"end":"2026-07-09T10:43:39.774000+08:00","text":"你沒有被我引誘出來就說好，我們儘快調整？","quality":0.944},{"speaker":"李委員坤城","start":"2026-07-09T10:43:50.771000+08:00","guessed":false,"end":"2026-07-09T10:43:51.371000+08:00","text":"可以嗎？","quality":1},{"speaker":"李委員坤城","start":"2026-07-09T10:43:51.371000+08:00","guessed":false,"end":"2026-07-09T10:43:51.871000+08:00","text":"儘快調整。","quality":0.75},{"speaker":"楊總裁金龍","start":"2026-07-09T10:43:52.632000+08:00","guessed":false,"end":"2026-07-09T10:43:56.473000+08:00","text":"我們會啦，我想我們在未來會適當處理。","quality":0.75},{"speaker":"李委員坤城","start":"2026-07-09T10:43:56.773000+08:00","guessed":false,"end":"2026-07-09T10:44:08.058000+08:00","text":"對啦，因為國家一起養這個政策，不分黨派都支持，我想不分黨派的就能夠稍微放鬆一點，讓他們換屋的時候，心理跟經濟的壓力不會那麼大，好不好？","quality":0.917},{"speaker":"楊總裁金龍","start":"2026-07-09T10:44:08.658000+08:00","guessed":false,"end":"2026-07-09T10:44:10.579000+08:00","text":"好，謝謝。謝謝。","quality":1},{"speaker":"主席（陳委員玉珍代）","start":"2026-07-09T10:44:10.579000+08:00","guessed":false,"end":"2026-07-09T10:44:11.980000+08:00","text":"謝謝李坤城委員。","quality":0.714},{"speaker":"主席（陳委員玉珍代）","start":"2026-07-09T10:44:11.980000+08:00","guessed":false,"end":"2026-07-09T10:44:12.800000+08:00","text":"接著請李彥秀委員。","quality":0.875}]},"gazette":{"lineno":432,"blocks":[["李委員坤城：（10時31分）謝謝主席，先讓總裁先喝口水。有請楊總裁。"],["楊總裁金龍：委員早。"],["李委員坤城：總裁早。立法院剛剛三讀通過虛擬資產服務法，而虛擬資產服務法中跟央行有關係的，應該就是穩定幣，也就是央行負責穩定幣的發行管理，扮演金融穩定的把關者。我想請問總裁，目前金管會有跟央行共同制定關於穩定幣發行許可管理辦法的相關細則與子法嗎？"],["楊總裁金龍：會，我們也會參與。"],["李委員坤城：他們有沒有來找你？"],["楊總裁金龍：會啊！"],["李委員坤城：我是說進度怎麼樣？"],["楊總裁金龍：因為法剛通過，所以到目前為止，據我了解，子法好像還沒有開始。"],["李委員坤城：現在還沒開始？可是金管會主委說半年之內會完成？"],["謝局長鳳瑛：目前子法在研訂中了。"],["李委員坤城：對，我的意思是何時？跟穩定幣相關的子法是穩定幣發行許可管理辦法嗎？還是有其他的子法？"],["謝局長鳳瑛：有，有些資安的部分也有要求，還有……其實這是兩部，一個是初級的發行，還有次級的交易。初級發行就當支付型的穩定幣，這部分屬於法規。次級的交易就像一個次級市場，比較像服務商的VASP，即針對不同對象，譬如穩定幣的發行者是一個規範，此外，穩定幣的服務商VASP又是一個規範，所以要分不同的業務功能去管理。"],["李委員坤城：子法預計何時會完成？"],["謝局長鳳瑛：目前已經在研訂中，至於完不完成，我想應該是金管會說了算。"],["李委員坤城：他說要半年的時間。"],["謝局長鳳瑛：那就半年。"],["李委員坤城：那就半年？我再問一下，目前穩定幣是由金融機構發行，對不對？"],["楊總裁金龍：你的意思是要由……"],["李委員坤城：未來穩定幣應該是由金融機構發行吧？"],["楊總裁金龍：應該是銀行。"],["李委員坤城：由銀行來發行，對不對？"],["楊總裁金龍：對。"],["李委員坤城：預估這些銀行跟金融機構最快何時可以發行穩定幣？"],["謝局長鳳瑛：看銀行的意願。"],["楊總裁金龍：看哪些銀行比較有興趣。"],["李委員坤城：明年上半年？"],["楊總裁金龍：這個我不敢……可能問金管會會比較……"],["李委員坤城：問另外一個金融管理機關就對了？"],["楊總裁金龍：要問金管會才會比較明確知道。"],["李委員坤城：再請問一下，未來穩定幣發行後將具有支付功能？"],["楊總裁金龍：對。"],["李委員坤城：如果沒有監管的話，會危及總體金融的穩定跟法幣地位，請教央行如何控管這些風險？"],["楊總裁金龍：我們要看兩個部分：第一個，新臺幣的穩定幣；另外一個是外幣的穩定幣。如果是新臺幣的穩定幣，我覺得我們要監管比較容易，畢竟是我們自己的國內機構所發行的，因此發行的辦法會很明確，也必須follow相關規則與規定，所以我認為新臺幣的穩定幣要監管比較容易。至於外匯部分，以美元的穩定幣來說，誰願意發行美元的穩定幣？我覺得我們臺灣可能……因為發行美元的穩定幣時，需要臺灣的主管機關，包括金管會，還要我們的參與同意。除了主管機關以外，還要符合美國對穩定幣的規則，所以不大容易。但外幣服務商……我相信主要是以美元為主，所以當美元穩定幣的服務商平臺要做兌換時，中央銀行一定會進入。"],["李委員坤城：我說的就是這部分……"],["楊總裁金龍：對、對，這部分我們……"],["李委員坤城：VASP在做穩定幣交易的時候……"],["楊總裁金龍：我們一定會密切注意它。而且我們也認為，如果它的作法跟我們現在外匯指定銀行所做的兌換或出去、進來一樣時，我們會用同樣的管理辦法來管理它！"],["李委員坤城：有辦法嗎？"],["楊總裁金龍：應該可以。"],["李委員坤城：因為穩定幣具有跨境、點對點的即時傳輸……"],["楊總裁金龍：對，這個就是跨境。"],["李委員坤城：二十四小時不間斷交易的去中性化特性，這與過去透過外匯銀行、Swift系統建立的外匯申報進度相較，兩個在時間上會差很多，所以有辦法用傳統管外匯的方式去管這些VASP……"],["楊總裁金龍：不會、不會。"],["李委員坤城：他們在做的美元穩定幣交易？"],["楊總裁金龍：我認為它在兌換、它要出去，出去的速度怎麼樣，我總覺得那比較不會有所影響，最主要是進去、要進來，對不對？你要買賣……"],["李委員坤城：一定比傳統外匯還快。"],["楊總裁金龍：至於速度的快慢，我認為那是其次。"],["李委員坤城：其次？所以重點是？重點在哪裡？"],["楊總裁金龍：重點在於買賣和你的進來、你的出去，就是這樣。"],["李委員坤城：可是跟你用傳統對外匯管制的方法一樣嗎？"],["楊總裁金龍：也是大概差不多。"],["李委員坤城：大概差不多？"],["楊總裁金龍：大概差不多。"],["李委員坤城：舊的方法能管到新技術嗎？"],["楊總裁金龍：我在這裡不能百分之百跟你說差不多，但我們目前所想像的，也許委員是對的，也就是可能跟傳統的不大一樣……"],["李委員坤城：一定不一樣！"],["楊總裁金龍：對，但是沒關係，因為平臺成立以後，我們會真正去了解它，我相信中央銀行……"],["李委員坤城：你們現在就應該要去了解了吧？"],["楊總裁金龍：也可以。但是我跟委員報告……"],["李委員坤城：因為它的外匯傳輸速度一定比傳統還要快！"],["楊總裁金龍：我跟委員報告，我們有一個理事說他們銀行也在try這種外匯速度與買賣的方便與否。他說跟傳統的比，不一定比傳統的好。他說他有實際的去try、去嘗試。他說沒有，不見得……"],["李委員坤城：我是提醒，之前的外匯管制系統或方式跟現在的穩定幣相比，因為穩定幣的傳輸速度很快，且是二十四小時的，這跟現在的管理方式可能會不太一樣，尤其是針對外匯方面。"],["楊總裁金龍：對。"],["李委員坤城：我再請教央行的數位貨幣進度如何？講批發型的就好。"],["楊總裁金龍：請業務局。"],["謝局長鳳瑛：我們就分兩部分：一個是Retail CBDC，一個是Wholesale CBDC。Retail CBDC之前有報告過，因為沒有急迫性，所以我們就是把原來……"],["李委員坤城：就講批發型的數位貨幣跟穩定幣之間的關係。"],["謝局長鳳瑛：目前是這樣，Wholesale CBDC的準備金如果代幣化可以作為清算資產，未來假設不同體系的穩定幣要做互通性，做跨體系處理的移轉時，或許可以用到Wholesale CBDC這個清算工具。目前這部分我們可能先做存款代幣的試驗，未來如果有跨體系的穩定幣需要，可以再來考慮看看。"],["李委員坤城：如果現在VASP要發行穩定幣的話，我們央行是不是要有批發型的數位貨幣，作為最終清算的一個基礎？"],["謝局長鳳瑛：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。國際美元穩定幣不管是USDT或是USDC來看，它都自成一個體系在做，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。第二個，我們國內在發展的部分，因為我們目前已經有做到Wholesale CBDC，所以我們部分的準備金會做代幣化，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移轉，所以今年底應該可以做出一個實驗試作的計畫，就算支援所謂銀行間的黃金代幣，至於穩定幣，我覺得目前應該還沒有這樣的需求。"],["李委員坤城：OK。我最後再請教總裁，剛剛我看也有滿多委員在關心，第七波信用管制已經結束了嘛！"],["楊總裁金龍：嗯……"],["李委員坤城：結束了。可是我們現在鼓勵生小孩，本來是兩人家庭，現在有小孩，有三個、四個那更好，可是小孩增加，你就要換屋，對不對？現在換屋，我們對於換屋這些年輕的爸爸媽媽來講，我覺得還不夠體貼，他們也沒這麼多錢，一定是把第一間房子賣掉之後再買第二間，可是會有過渡期，這個過渡期，現在就是要在一年半的時間把它賣掉，而且貸款成數只有六成，對於現在政府要推的「國家與你一起養」等等這些育兒政策，你們的政策要稍微做一些調整，對於這些年輕的爸爸媽媽要換房有更體貼的做法。"],["楊總裁金龍：事實上，我跟委員報告，換屋這個部分好像聽起來都是中央銀行給他們很不方便，事實上我們也看……"],["李委員坤城：人家都說是中央銀行啊……"],["楊總裁金龍：我們也看網路，他們說銀行在這個部分，他們都不做，事實上也不盡然是這樣。"],["李委員坤城：因為銀行都聽中央銀行的啊！"],["楊總裁金龍：對，所以中央銀行……"],["李委員坤城：沒關係，您只要說您的態度怎麼樣，我相信銀行馬上就會做調整。"],["楊總裁金龍：對，所以剛剛你說選擇性管制是不是到此為止，事實上，我們回答我們還是滾動式檢討。"],["李委員坤城：好，還是滾動式檢討。"],["楊總裁金龍：是。"],["李委員坤城：那沒關係，我剛才所提到你要換屋的……"],["楊總裁金龍：但是，我們會……"],["李委員坤城：不管成數或是年限，還在你的管制當中嗎？"],["楊總裁金龍：不，我想我們會滾動式檢討，視怎麼做適當的處理，我們會……"],["李委員坤城：好，有沒有調整放寬的可能性？"],["楊總裁金龍：我想未來應該是有，未來應該有啊！"],["李委員坤城：未來時間很長，下個月也是未來、三個月也是未來。"],["楊總裁金龍：對啦，但是我沒辦法跟委員說下個月就是啦！"],["李委員坤城：對，我知道。好，我問一個大方向，是不是有可能做放寬的調整？"],["楊總裁金龍：未來就可以啊。"],["李委員坤城：未來就可以？"],["楊總裁金龍：應該未來可以，只是那個timing，我們就說滾動式檢討……"],["李委員坤城：對啊，所以我說那個timing啊，是9月，還是12月，還是明年？"],["楊總裁金龍：對，都……"],["李委員坤城：對於我們這些年輕的爸爸媽媽來講，這差別就很大，你越快去調整，對他們來講，經濟的負擔、心理的負擔會更少，好不好？"],["楊總裁金龍：好。"],["李委員坤城：我們儘快調整，好不好？"],["楊總裁金龍：我們會滾動式檢討啦，好不好？"],["李委員坤城：你沒有被我引誘出來就說好，我們儘快調整？可以嗎？儘快調整。"],["楊總裁金龍：我們會啦，我想我們在未來會適當處理。"],["李委員坤城：對啦，因為國家一起養這個政策，不分黨派都支持，我想不分黨派的就能夠稍微放鬆一點，讓他們換屋的時候，心理跟經濟的壓力不會那麼大，好不好？"],["楊總裁金龍：好，謝謝。"],["李委員坤城：謝謝。"],["主席（陳委員玉珍代）：謝謝李坤城委員。","接著請李彥秀委員。"]],"agenda":{"page_end":578,"meet_id":"委員會-11-5-20-21","speakers":["李彥秀","林德福","吳秉叡","郭國文","賴惠員","林岱樺","劉書彬","賴士葆","李坤城","陳玉珍","林思銘","王世堅","羅明才","邱志偉","葉元之","洪毓祥","顏寬恒"],"page_start":527,"meetingDate":["2026-07-09"],"gazette_id":"1156102","agenda_lcidc_ids":["1156102_00004"],"meet_name":"立法院第11屆第5會期財政委員會第21次全體委員會議紀錄","content":"邀請中央銀行楊總裁金龍就「股市、通膨、匯率與房市多重風險中，中央銀行中長期因應策略與\n政策工具」進行專題報告，並備質詢","agenda_id":"1156102_00003"}}},"supported_relations":[],"relations":[]}