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委員央求您所提書面質詢列入紀錄刊登通報並請相關部會議書面答覆宣讀完畢在長委員會主法定人數議事錄暫不確定請議事人員宣讀今日議程"},{"start":1227.645,"end":1252.441,"text":"邀請金融監督管理委員會彭主任委員金融率所屬機關所長暨中央存款保險股份有限公司監管相關機構有關之財團法人台灣證券交易所股份有限公司台灣期貨交易所股份有限公司台灣集中保管結算所股份有限公司等董事長總經理列席業務報告並備諮詢宣讀完畢現在介紹在場委員首先介紹林德福委員"},{"start":1256.636,"end":1271.305,"text":"介紹與會政府官員金融監督管理委員會彭金榮主任委員金融市場發展及創新處林希慎處長綜合規劃處劉秀琳處長法律事務處林志憲處長國際業務處賴明賢處長資訊服務處林玉泰處長"},{"start":1287.517,"end":1313.278,"text":"祕書是江俊德主任陳氏是孫成錦主任主計是簡鳳琴主任振豐是趙立金主任銀行局童振章局長證券期貨局高金平局長保險局王立慧局長"},{"start":1315.51,"end":1342.832,"text":"檢察局賴新國局長中央存款保險股份有限公司黃天牧董事長政民會總經理台灣證券交易所股份有限公司林修民董事長李愛玲總經理台灣期貨交易所股份有限公司吳志欣董事長周建榮總經理"},{"start":1345.316,"end":1374.361,"text":"台灣集中保管結算所股份有限公司林秉輝董事長陳德湘總經理財團法人中華民國證券櫃台買賣中心簡立中董事長陳立新總經理財團法人證券投資人及企業交易人保護中心張新替董事長林俊宏總經理"},{"start":1376.544,"end":1401.528,"text":"財團法人中華民國證券暨期貨市場發展基金會張振山董事長張立真總經理財團法人聯合信用卡處理中心桂仙榮董事長呂慧榮總經理財團法人金融聯合徵信中心張國民總經理代理董事長"},{"start":1403.84,"end":1425.93,"text":"財政法人金融言信院雷仲達董事長高一誠院長財政法人汽車交通事故特別補償基金陳在懷總經理財政法人住宅地震保險基金張玉輝董事長辛進賢總經理"},{"start":1431.168,"end":1453.73,"text":"財團法人保險安定基金陳昌正總經理財團法人保險事業發展中心黃洪志董事長詹芳舒總經理財團法人金融消費平益中心杜怡靜董事長羅俊偉總經理以上"},{"start":1461.192,"end":1467.341,"text":"金融監督管理委員會列席業務報告現在請金融監督管理委員會彭主任委員進行業務報告"},{"start":1473.584,"end":1487.934,"text":"主席各位委員媒體朋友大家早安陳貴文會邀請提出報告自感榮幸以下緊究國內金融概況及重點工作事項提出報告一國內金融概況114年銀行證券期貨保險三頁合計盈餘新台幣9833億元截至114年底本國銀行平均資本氏族率為15.81與其放緩比例為0.51"},{"start":1501.102,"end":1505.084,"text":"壽信品質良好上市櫃公司總加數1937家總市值101.76兆元股市基本面穩健保險業資產總額38兆2691億元業務持續穩健成長"},{"start":1517.113,"end":1533.26,"text":"二 重點工作事項 一 強化金融業資本韌性與風險管理持續辦理銀行申請IRB具體資本事辦推動保險業新一代清償能力制度至115年1月1日正式實施保險業接軌實施IFR17至115年起以正式接軌實施修正發布保險業財務報告編制準則之兌換損益規定"},{"start":1543.244,"end":1563.197,"text":"建立更嚴謹嚴格的準備經提存及特別因公積提列規範及相對應資本認列機制達成永續經營強化資本韌性發布金融資安韌性發展藍圖發布金融檢查重點推動銀行監理數位申請報告分析機制推動公發公司接軌IFR18"},{"start":1564.338,"end":1583.565,"text":"二 健全金融市場發展修正發布金空公司投資管理辦法規定以符合金融市場併購實物健全市場秩序完善虛擬資產監理架構持續推動虛擬資產服務法草案立法作業嚴定九項授權執法引導保險業投入國內公建及策略性投資"},{"start":1584.625,"end":1604.878,"text":"公布獎勵本國銀行辦理五大信賴產業放款方案持續推動信託業務發展健全保險業結構及促進保險商品多元化發展檢討強制汽車責任保險機制落實消費者權益保護與普惠金融修正詐欺犯罪危害防治條例金融專章"},{"start":1605.839,"end":1626.612,"text":"提升房價精準度精準掌握高風險帳戶交易強化融資租賃業消費者保護措施符合一定條件之融資租賃業納入金融消費者保護法適用第二階段已於3月15號生效將13家金融機構轉投資業者納入適用第三階段預計今年9月納管"},{"start":1627.752,"end":1647.92,"text":"營造金融友善服務環境提升高齡消費者投保便利及兼顧投保權益提高強制車險、死亡給付及第一級私能給付金額提高至300萬元落實金融服務業公平代課原則、精進金融知識普及工作推動亞洲資產管理中心以完成發布48項法規函令鬆綁"},{"start":1652.162,"end":1679.984,"text":"金融業資產管理規模增加5.7兆元已有21檔主動式ETF掛牌上市櫃TESA人數已經超過10萬人開戶24家投信公司39檔基金加入台日ETF相互掛牌已有兩檔ETF掛牌並成立亞洲資產管理中心推動辦公室金融發展與亞資中心策進會以及國際四大快遞事務所諮詢平台"},{"start":1682.046,"end":1695.817,"text":"啟動亞洲創新投資平台 精進上市櫃制度 優化股債雙籌支管道以修正三項法令及合備金融周邊單位共77項規章修正114年舉辦首屆台灣州活動 吸引2.8萬人次參與115年將持續擴大舉辦台灣州持續推動地方管理專區業務 以核准51家金融機構進駐高雄"},{"start":1706.665,"end":1734.953,"text":"設置三大工作方研議後續業務與制度完善方向開放OSU對境外客戶辦理不限用途款項借貸業務研議OBU OSU OMU聯合開戶及跨業協作規範滿足境外客戶一站式金融服務強化TISA功能與誘因與相關部會延伸適合本國特性及社會共識之租稅鼓勵措施積極協助退休第三制度建構五 加速金融科技創新與發展"},{"start":1736.233,"end":1757.868,"text":"持續推動開放銀行及開放證券推動數位保險公司發展設立並對外受理申請設立推動虛擬資產保管業務主題式業務事辦發展虛擬資產保管服務推動現實世界資產RW代幣化發布數位金融服務包容性指引建置金融Face ID驗證轉接中心"},{"start":1759.496,"end":1782.354,"text":"114年10月辦理2025台北金融科技論壇預計今年10月舉辦2026台北金融科技展6 落實永續金融驅動低碳轉型研擬第三版永續經濟活動認定參考指引持續辦理永續金融評鑑辦理永續相關說明會及座談會推動上市會公司及金融業接軌IFAS永續揭露準則"},{"start":1784.156,"end":1811.415,"text":"為建立安全與發展並進的新金融市場本會將依循本報告所提六大重要施政方向持續強化金融業資本韌性健全金融市場發展保護消費者權益打造具台灣特色的亞洲資產管理中心推動金融科技創新發展亦透過綠色轉型金融行動方案等引導產業永續發展以上報告 敬請指教 謝謝好 謝謝彭主委"},{"start":1813.428,"end":1831.943,"text":"現在開始詢答 先做以下宣告一 每位出席委員發言時間8分鐘 必要時得延長2分鐘每位列席委員發言時間5分鐘 今日上午10時截止發言登記現依登記順序 請登記第一位林德福委員質詢"},{"start":1842.512,"end":1847.559,"text":"謝謝 謝謝主席請管委員 彭主委請彭主委委員早安 彭主委早 彭主委我請教 因為打造EBI"},{"start":1859.231,"end":1887.252,"text":"儀表板資料顯示115年1到2月假投資詐騙是最多的財損原因那警方受理差不多3090件財損合計54億民怨真的四起那北京走訪基層經常也在探討民眾建議說台灣要比照新加坡增加變形詐騙犯"},{"start":1888.635,"end":1917.126,"text":"或提供銀行帳戶者將被強制以邊形尤其那個TVBS的民調高達七成的民眾贊成引進邊形來處這些詐騙犯那本席請問我們在場的很多董事長跟總經理們你們要是反對邊形的詐騙犯的請舉手好不好反對的"},{"start":1918.948,"end":1934.988,"text":"這個是也是民調之一你看幾乎大家都沒有反對因為講實在話為什麼要做這樣民調我包括很多那個場面裡面有分局分局長他都贊成說應該要加變形"},{"start":1937.762,"end":1964.823,"text":"我問過N場了啦其實我們是要解決問題啊那媒體報導詐欺集團的人頭賬戶啊遭警示凍結來不及領走的這些賬款還有幾十億啦那我請問彭主委這些被凍結的詐騙的賬款金額確確有多少你了不了解這我沒有確切的數據沒有去做統計是不是對"},{"start":1966.645,"end":1974.397,"text":"應該是有這個數據啦因為這個可能不是我們這邊或是我可以請銀行局局長可以來跟銀行局長來你了不了解"},{"start":1976.29,"end":1992.024,"text":"目前我們沒有這樣做一個統計但是在法治上我們有被害人款項返還我了解 因為那個 滕主委依法 請方可以將查扣人頭的帳戶詐騙的帳款還給被害的民眾但經由查對 曠日會時"},{"start":1999.271,"end":2022.851,"text":"那查緝辦案處理人力有限導致這些被害人的屍款看得到拿不回那我請問彭主委未來儘管會用哪些方法可以協助這些警方來加快金流茶隊的程序儘早讓這些受詐的這些被害人拿回自己的錢你有沒有什麼想法那個彭主委"},{"start":2024.012,"end":2037.621,"text":"謝謝委員的指正,剛才委員提到對於詐騙,我們也是大家都一樣深惡痛絕但是對於受害人而言,最重要的除了懲治詐騙犯以外,很重要就是能夠減少損失,返還這些所謂被騙的金額"},{"start":2042.944,"end":2058.009,"text":"不過這個狀況比較複雜那我們在現行的法規裡面如果說有很明確的知道這個帳戶的來源確實這樣的話確實有一個機制直接可以由司法機關就可以通知然後就把它返還但是我們看到一個實務的狀況就是當"},{"start":2059.569,"end":2083.266,"text":"受害人驚覺到這個結果的時候已經經過層層轉了以後那雖然知道這張款但是最後要明確知道它的詳細的內容是花點時間我們最近也有看到有個銀行非常主動的個案那我們已經請銀行局深入去理解假設這是一個未來大家可以通用的方式來做的話我們會協調司法單位看有沒有怎麼樣的辦法"},{"start":2084.207,"end":2111.084,"text":"金融機構這邊一定是全力來協助金流的比對但是最後呢怎麼樣返還我們會利用這個各種的成功的個案我們想盡辦法來協助民眾返還他受騙的金額好我希望說彭主委一定啊這個要去做一套機制那多費一點時間我認為這個因為他受詐以後真的那種心境我們可以理解"},{"start":2112.125,"end":2126.48,"text":"那今天要是說抓到詐騙犯而且已經掌握到他的整個金流那該緩緩的你們要有一套機制啊積極的來做處理彭主委儘管會要求銀行做防詐"},{"start":2127.721,"end":2141.476,"text":"結果道高一尺 謀高一丈現在詐騙集團大量的利用虛擬貨幣把錢洗到海外今晚為現在虛擬資產的主管機關那我請問主委你們有沒有從源頭斬斷洗錢金流的鐵碗"},{"start":2148.964,"end":2162.715,"text":"其實我們有想到的方法我們大概都做比如說我們現在針對我們一般的金融機構跟我們虛擬資產服務業者之間的一些的金流管控我們已經有這個機制"},{"start":2163.976,"end":2184.256,"text":"再來我們現在已經逐步納管我們的虛擬資產服務業者那實際上他們也針對這些這個所謂的詐騙房子還有一些洗錢部分也納入政府我們也跟速發部有建立這樣的合作機制來做這個管理我想這個透過整個制度的到位應該會逐步的會改善"},{"start":2184.716,"end":2184.816,"text":"是 這個是"},{"start":2207.856,"end":2233.117,"text":"打詐防詐是通例的行為我知道基層員警跟檢察官都非常辛苦其實銀行端也非常的辛苦銀行當然我們這幾年主詐就超過了應該260億吧就是說協助這個民眾這個主卻我想大部分的臨櫃關懷我想大家都知道其實我們大家都很努力其實我們絕對不會把所有的所謂的把這個責任推給某一個部分其實大家都很努力像我們在臨櫃關懷的時候除了我們"},{"start":2234.358,"end":2261.126,"text":"基層的行員其實我們基層的員警也盡了非常大的力量來做這件事情那我想我們會來精進我們的做法好希望更積極一些啦那個主委因為媒體報導許多授權公司啊2026年要積極來推展房貸的業務然而卻有這些公股基層的銀行人員跟本席來抱怨啦反應高層要求銀行行員幫"},{"start":2263.907,"end":2279.913,"text":"這個保險公司來拉保險雖然銀行大賺手續會的收入卻讓第一線理財的這些專員壓力大增長久下來恐怕會讓保險公司不像保險公司而且銀行不像銀行"},{"start":2281.594,"end":2302.615,"text":"確實現在是存在的喔根據金管會資料統計112年到113年八大公股、行股遭到客戶申訴銀行通路有不當的這些招攬保險的行為共發生了117件那本期是希望說金管會在落實督導"},{"start":2303.996,"end":2332.157,"text":"讓銀行業及保險業各自他們來回歸他專業的專注的本業那除了賺錢獲利更要承擔更多這個企業社會的一個責任以避免這些銀行裡專人員以不當的話術誘使民眾來購買不熟悉的這些金融保險商品以免未來發生一些更多的投資糾紛那個主委你有什麼看法"},{"start":2333.397,"end":2356.287,"text":"實際上我們經貨市場的管理有兩大塊一個就是市場行為的管理我想剛才委員所指正的就是市場行為的管理這部分我們對銀行保險業我們從2001年經貨公司設立以來2005年做大幅的開放實際上這部分我們已經針對陸陸續續對銀行在銷售保險商品應該做的一些事項做過非常非常多的規範我想剛才提到的這些"},{"start":2356.667,"end":2372.724,"text":"所有爭議案件我們也都會進到評議中心去評議如果做成決議的話大部分人也都會遵守我想這部分我們會來動態調整我們會非常的關注像這種不當銷售行為一直都是市場管理上非常重要的那確實現在是存在現在變成保險不像保險那銀行不像銀行"},{"start":2375.487,"end":2393.84,"text":"結果銀行那些理專都在招保險他有通路跨售的這樣一個情況這也是金融整合的一個過程我想也不是台灣因為客戶有他一站式消費的需求所以銀行有他的優勢但是呢常常不能因為銀行的一些的所謂資訊上的優勢或是他一些"},{"start":2396.401,"end":2413.389,"text":"過去我們已經有很多很多的規範來規範我想銀行是一個高度遵守這個法規的一個行業我想我們只要有規定下去他們都會遵守這我會請保險局跟銀行局密切的關注這些一些申訴的個案來修改我們的相關的辦法"},{"start":2414.409,"end":2441.562,"text":"主委最近台股履創新高全民都在瘋狂討論股票今天本席在財委會來替全國股民問主委一個最直接的問題台股現在到底你認為有沒有過熱其實我在很多的在這個地方我講過很多事情其實我們不會去預測我們台股的一些的內容因為我們是一個市場的監理者所以"},{"start":2443.838,"end":2457.507,"text":"這個沒有辦法透過我這邊的觀察因為現在有很多因素而且我們表面上看股市是史無前例的這些大牛市但是本席在地方上聽到確實有許多股民的哀嚎"},{"start":2458.328,"end":2484.847,"text":"因為現在的台股出現了跟我們總體經濟一樣的K型化的趨勢大盤指數往上衝都是靠極檔的AI科技股在衝而傳統產業一般小型這些股啊小型股根本就是沒有漲這是賺了指數賠了差價那散戶根本沒有享受到股市創新高的這些紅利主委你怎麼看呢"},{"start":2485.467,"end":2510.977,"text":"我想資本市場本來就是要謹慎投資注意風險我想一直都是這樣跟指數的高低其實沒有太大的差別這個都是一直都要關注那你說產業結構跟資本市場發展的我們也有請教育所密切的注意這些這些比如說它的股價跟它的經營績效之間的一些關聯程度來看看是不是我們的資本市場效率性有什麼做法可以來提升"},{"start":2512.197,"end":2536.525,"text":"我是希望說一定要提醒大家因為現在我們都是跟著美國股市在走但是現在局勢真的是很亂要非常的小心謝謝謝謝委員請問在場的各位委員對上一次的議事錄有沒有意見沒有意見議事錄確定下一位發言的委員請李燕秀委員"},{"start":2543.248,"end":2545.898,"text":"新席召委 我可不可以請金管會彭主委"},{"start":2552.13,"end":2579.763,"text":"委員長安主委長安我昨天特別看到關注到一則跟我們金管會相關的新聞就是法國巴黎產險結束在台灣將近四分之一個世紀在台灣的經營業務要撤離台灣法巴這家產品公司雖然市占率只有0.05%員工也不多只有32人看起來後續"},{"start":2581.844,"end":2605.435,"text":"無論是對保單保護也好相關的保單相關的權益包括員工的權益我相信我們今晚會後續應該都會有一套完整的機制去做輔導但是我今天要問的是我們都知道就是說我們一直希望國際化的多角經營讓更多國際公司在台灣不只如此我昨天還特別看到新聞是包括港商"},{"start":2606.536,"end":2622.052,"text":"港商法國興業還有瑞士信貸銀行台北捐運分公司兩家券商還有德寶信義投資近三年都有可能撤離台灣這個背後代表的意義今天是我要跟主委溝通討論的"},{"start":2623.693,"end":2642.319,"text":"雖然保護不多4.8萬人保單4.8萬張然後員工32人但是到底他背後他過去三年他還有投資將近5億所以不是他不肯投入那也不是長期過去沒有賺錢要不然他不會在台灣已經做了25年"},{"start":2643.94,"end":2669.978,"text":"那到底是什麼因素它是因為台灣的政治環境嗎還是是因為在台灣近幾年不賺錢還是現在台灣我們面臨很多產業都是大者過去台灣早期六七零年代我們台灣是中小企業那近幾年我們看到很多產業都開始變成大者很大小的就經營不下去台灣很多產業現在有這樣子的狀況"},{"start":2672.219,"end":2693.817,"text":"那主委就是說背後的意義到底是什麼你有沒有去研究我們通常在講說我們希望台灣變成國際化亞太的金融投資中心等等外國人多一點那外國人多一點進來他通常他都很習慣的去找自己熟悉的保險業就是就譬如說我們到國外去投資我們通常喜歡找富邦喜歡找星光就是他們自己熟悉的來去做互動"},{"start":2699.562,"end":2727.743,"text":"所以背後的原因到底是什麼主委你有沒有去思考過謝謝謝謝委員關注這議題啊委員知道過去我在保險市場應該快將近三十幾年四十年的時間我歷經了所有台灣保險市場大開放以及開始就是他們的大轉型的整個過程我想這個案子其實如果真的要生就起來的話一個非常非常底層的問題就是對一個保險市場而言它的國際化本來就是非常困難的"},{"start":2729.396,"end":2743.696,"text":"國際化怎麼樣?國際化本來就困難因為我們從過去的學術研究就發現說其實各個市場都傾向於跟本國的保險業者來購買所以對一個外國保險公司如果要到另外一個國家拓展業務本來就是一個很大的挑戰"},{"start":2743.916,"end":2769.665,"text":"主委你這樣的回答等一下我先把它講完但是呢假設我們在台灣是在一個剛發展中的國家外資是有絕對的優勢所以在很多國家裡面他在剛發展的時候外資確實是可以佔有一席之地所以我們可以看得到就是我們在台灣開放的早期外資確實在這邊扮演非常非常重要而且是帶動整個產業的發展但隨著本地的這些市場開始成長以後這是非常現實的問題那競爭力的問題還有他們策略的問題我想"},{"start":2773.246,"end":2791.762,"text":"我當然同意主委你剛剛講的競爭力的問題但是我們都希望台灣亞太金融投資中心更多國際的錢投資在台灣你剛剛講說大家都習慣把錢放在自己熟悉的相關的業務自己本國的業者"},{"start":2793.464,"end":2809.263,"text":"我們來討論新加坡好了新加坡就有多少外資的銀行受險業者在新加坡所以你這樣的說法我並不是十分認同就以這個個案而言其實每個個案它來進入台灣都是一個審慎的思考"},{"start":2810.044,"end":2827.682,"text":"主委我不討論個案我只是要跟您探討背後的趨勢到底發生了什麼事為什麼是不是因為外資現在未來中長期外資會投資台灣少他看不到即便過去投資了三億過去三年還是五年他又投資三億其實看不到未來的期望"},{"start":2831.366,"end":2852.977,"text":"賺不到錢還是我們台灣的政治因素我覺得這個也是背後 主委我們包括我們財政部 金管會 經濟部都要重新思考的我知道委員關心這件事情但是我覺得大家就單看這個表面的時候沒有去深究每個個案的背後那會產生一個誤解認為台灣的經營狀況惡化其實就以這個個案而言根本不是這個樣子"},{"start":2853.877,"end":2876.717,"text":"我想主要是國際的公司在全球佈局的時候有他自己的策略如果各位有關注一下很多國際的公司在亞洲做這個調整不是在台灣我想這個是他們在只是我們看這個個案會有這個想法其實就以我們主委我剛剛不是只有討論這個個案因為近三年撤離台灣的還有包括瑞士信貸銀行等等沒關係主委我只是提醒你這件事情我覺得身為政務官"},{"start":2877.398,"end":2903.914,"text":"我們要去思考台灣的投資環境是不是發生了什麼樣的變化因為我們一直講說我們想辦法追上新加坡這也是你提了好幾次我也期望我們是這樣我也期待我們在這邊監督質詢我們的期待就是如此所以主委背後的政治因素投資環境到底發生了什麼事情這是我要提醒主委我們要思考的地方當然每一個投資他沒有賺錢他當然就走因為這是自由市場嘛"},{"start":2904.975,"end":2924.789,"text":"我們是資本自由市場他沒有在那裡走但是我們要思考他為什麼賺不到錢那為什麼沒有足夠的過去他可以重回台灣25年那前10年他一定有看到願景那為什麼現在沒有所以這個東京變化到底發生了什麼事情我覺得要去做分析"},{"start":2925.569,"end":2945.074,"text":"我是說剛好有這個機會可以跟您說明我覺得說大家看這個個案我們當然很關注說是不是台灣投資情況惡化我答案可以說不是非常的明確只是說他二十幾年比如說這個集團在台灣過去投資有四家公司非常多有他自己的經營模式後來他自己做一個改變其實我覺得這個我們都尊重但是你要確保我們台灣的客戶跟員工的權益我想"},{"start":2948.695,"end":2975.506,"text":"這是最基本這個我相信你會做得到這是最基本的要求我只是今天透過這個質詢我今天有三個題目我只是點醒就是說背後的政治因素環境因素我們想辦法要國際的投資客都進來台灣投資是不是發生了什麼變化這是我要提醒的地方因為這個不是只有你因為這個橫跨經濟部各方面但是我覺得身為執政黨這個部分就要去注意這是我第一個問題第二個問題"},{"start":2977.527,"end":3000.203,"text":"4月1號剛上路的那個旅遊不變心智的保險這剛上路沒多久但是我覺得心智上當背後它有它一定的意義跟你們做過思考但我覺得還有幾點我要提醒就是沒有思考到我們現在無論是訂了幾副或累積幾副的部分我們都有一個上限"},{"start":3000.743,"end":3011.67,"text":"譬如說累積給付的部分就是說我們現在就要求說只能最多買兩張保單然後累積給付的部分就是延誤四小時可以賠六千塊滿八小時賠一萬兩千塊那最高理賠只有兩萬四千塊"},{"start":3018.394,"end":3036.406,"text":"這跟過去不同的是過去可以各單項就是時之時復我保班機延誤險我保如果班機延誤的話後面旅館什麼跟著陪我就可以指定哪幾項但是後來我們新制做這樣的調整是因為我覺得旅遊過程當中有很多"},{"start":3037.307,"end":3047.31,"text":"沒有去思考到的就是一個班機延誤他可能衍生很多不同的費用包括膳食費住宿費還有包括現在機票改票費非常的貴因為現在機票因為油價的關係整個都上漲那但是理賠金額最多只有兩萬四"},{"start":3056.673,"end":3083.195,"text":"是不是合理因為有經濟艙有好經艙有商務艙我如果願意保比較高的保費那但是我的理賠可以多一點因為後面可能一個班機延誤我可能後面轉成整個每一家飯店還有交通他都不會他都不會賠嘛所以相對的有一些旅客我想保高一點因為我這一趟旅程"},{"start":3084.016,"end":3111.597,"text":"可能就非常貴光是機票可能就十七十八萬包括飯店二三十萬我願意負擔比較高的保費但你現在你最高禮牌就只有兩萬四所以我要提醒的是因為我今天時間不夠所以我覺得現在沒有去做這樣子就是說整套的思考我們就只有要求說我們現在最高禮牌就兩萬四然後而且要從不同兩家去買保單"},{"start":3113.103,"end":3140.979,"text":"我覺得這個並不是辨明的措施就補充兩句話第一個就是說這是針對費用保險定額給付不論你實際損失是多少的方法我們還有十之十複就是說你真的有其他的保單可以來做選擇或者說這個東西市長這樣已經提出非常多的質疑說有人因為這樣而去等於說違反了保險最基本的損害填補這是個費用保險"},{"start":3142.32,"end":3159.327,"text":"我知道 但是你們現在這個損害填平原則損害填補原則損害填平原則去做思考但是你看24000但是如果是一個商務理由如果你有這個需求你可以購買其他可以填補你損失的一些險種"},{"start":3160.487,"end":3184.6,"text":"但是我覺得你們在這個心智當中沒有去做更完整的思考包括我剛才講那個我覺得應該去思考變成說要跟兩家來買然後另外時知時負我還要再買我變成要跟三家買所以我覺得這個旅遊上限是不是合理沒有去思考到遠距或其實在我們評估的時候這些都有評估過啦就是因為很多那個極端或是特殊的個案"},{"start":3185,"end":3198.571,"text":"那跟整個社會成本來做相比的時候保安局跟我建議的時候我有跟委員一樣相同的問題後來他把整個數字告訴我以後我覺得說先暫時應該朝這個方向來走我覺得因為4月1號才剛要上路我覺得有機會你們多辦幾場公聽會聽聽各界的聲音還有比如說有一些商務客他的費用就是很高"},{"start":3209.38,"end":3217.465,"text":"我們就是朝鮮更好的制度我們一定都可以我覺得有一段時間上路之後也應該有一段調整期謝謝主委謝謝李燕秀委員接下來請賴世鮑委員質詢"},{"start":3235.78,"end":3241.653,"text":"謝謝主席以及各位先進有請金管會的彭主委請金管會彭主委委員長安"},{"start":3246.759,"end":3274.458,"text":"主委長這個從每一開戰應該是每一開戰之後三月份從三月要算起外資賣超了差不多五千多億 將近六千億股市下跌一千多億 當然今天漲啦但是來看台幣的本破壺之類的中東的戰火還要持續一段時間股市老實講都繼續動盪"},{"start":3276.859,"end":3294.084,"text":"那我們 我跟你談過過去 過去現在台灣的股市幾乎就幾乎是AI概念股在獨領豐收嘛那你有推出一個樸益指數啊我都認為 這個金融會是否可以加把勁啊"},{"start":3295.004,"end":3315.033,"text":"怎麼樣讓說我們的台灣的股市發雖然你說其他國家也如此但是台灣總是台灣嘛我們是不是可以讓稍微平均一下資金大家平均一下不要說都集中在AI概念股啊在這一部分普利指數啊你準備怎麼來推廣呢你要不要告訴我們一下"},{"start":3316.574,"end":3343.027,"text":"這個當時也是非常謝謝委員的指正啦就是比如說我們也看到就是說剛才委員很清楚我們國際股市受到這個全球AI趨勢就會產生一個比較比較著重在某些產業的問題其實台灣有很多很好的產業可能沒有受到資本市場的關注所以在上次委員你指導之下我就請那個交易所指數公司編那個博弈指數把這個納入302檔有沒有在過去這些配息很好"},{"start":3344.067,"end":3357.335,"text":"你會發行ETF嗎?這樣當然指數先出來以後那當然就是具有未來發ETF的這樣一個基礎了嘛當然什麼時候可以發ETF?我請我們交一首"},{"start":3359.116,"end":3387.664,"text":"委員好那基本上跟委員說明第一個我們埔益指數從1月宣布以後我們有六篇新聞稿那今天特別我們在今天的下午我們有邀請的大概有資產管理公司跟四大基金的業者一起我們有辦一個說明會那接下來我們事實上就會陸續的拜訪這些投信公司那事實上我們也拜訪這些投信公司以外呢事實上據我的了解已經有一家的"},{"start":3389.451,"end":3390.719,"text":"是規模很大的他說"},{"start":3391.909,"end":3418.256,"text":"培育指數列為ETF他認為是可以補足他全部的商品的缺口什麼時候他們現在叫我們說開始Customize針對他們的需求開始提供那是什麼時候什麼時間他們預計應該我覺得應該今年他們應該就會有今年下三月你要講12月的事情什麼時候大概什麼時候就是培育指數的ETF最快什麼時候市場看得到"},{"start":3422.797,"end":3442.866,"text":"對 因為跟委員報告因為這個是我們要先提供給客製化的指數給他們他們要去做商品的設計或這樣但是我們從1月我們提出那從你的經驗嘛你告訴我什麼時候可以推出來最快最快最快基本上來講我們希望的是下半年啦因為下半年不會入籍啦"},{"start":3443.987,"end":3450.276,"text":"這個東西 主要是在旁邊害頭 下半年 沒戶期啦我們會盡快的 我們會盡快的這樣子啦 我們就講一個東西啦三個月以內可以吧"},{"start":3459.898,"end":3475.848,"text":"主委 介紹一下 答應一下啊才女的才做得順遂啊這個不是 這是一個市場行為啦就像對的事情好的事情我們會努力不怕苦的吧我們當初朝這個方向努力就應該講我們從1月開始就努力現在我們也在努力"},{"start":3476.969,"end":3491.361,"text":"董事長也報告說他很積極地開這些說明會找這個其實我仔細看了齁這前一陣子啊前一陣子那個這個台積電摔得很慘的時候那個小型獲利不錯的那個股啊活不能跳的"},{"start":3492.322,"end":3495.746,"text":"火不能跳的 所以這個是有賣點的 我跟你報告 你的觀察是正確的像我們這段時間裡面 我說的是3月初的這段時間 是啊 是啊"},{"start":3507.839,"end":3535.996,"text":"大盤整個跌幅大概5點多%我們的埔育指數相對來講的跌幅大概只到2-3%所以這些數據我們都會跟這些投信公司做說明你不方便公佈投信的名字嗎對對對 因為這是屬於商業新聞沒關係你不能公佈但是今天在這裡公開場合這樣子我就希望你們回去告訴他"},{"start":3537.113,"end":3560.589,"text":"立委關心這個題目我們對於整個的健全股市都很有幫助我們的三個月努力目標可以吧我想剛剛委員對的是好事我們會努力來做啦三個月三個月就是上半年不要下半年來沒戶期啦我們盡量來促成六月底以前那個主委你有沒有養龍蝦沒有"},{"start":3563.817,"end":3583.905,"text":"你知道我講什麼吧 知道奧芬克啊 你沒有養龍蝦啦你知道現在有人在養龍蝦 知道吧應該蠻普遍的 普遍現在股市分析師都在用喔因為它實在很方便啊你可以告訴它什麼 它的功能哇 噼哩啪啦的又可以 本來就可以提供檢查但是問題就來了喔它風險也很高你有沒有去了解"},{"start":3589.488,"end":3616.327,"text":"巨商有沒有在用這個我們其實我們最近在我們內部的會議裡面我們也非常關切這個問題所以我們已經請我們相關單位開始開始來針對這個東西的使用還有就是未來應該怎麼做因應現在我可以跟你講一個實際的情況萬一我下指令給這個龍蝦當時軟體了要open call結果我說台積電買一張結果他可以買十張怎麼辦"},{"start":3617.668,"end":3633.519,"text":"這個就是怎麼樣所謂的那個管理的問題因為完全借重一個機器或是一個程式來做的話那常常萬一你只有看到結果才知道中間出錯嘛"},{"start":3634.48,"end":3651.089,"text":"所以這個就是我們一個新的工具我們本來就是好好去理解他到底可能會去年十一月出來可是現在已經很紅了這個到處人家都要養嘛這個我是建議你也去養一下去看一下是是是可以吧對當然可以啊好 那就問你"},{"start":3652.33,"end":3677.529,"text":"什麼時候可以推出金管會 這個是很serious安全手冊 你要不要提一個安全手冊沒有 我們已經有 有關這個資安還有一些內部控管那對於新的事物 我們本來就隨時會檢討這件事情 把它做一個我想金融業是一個高度信賴的行業他必須做 他自己應該自己有這樣的一個內控你要不要推出一個安全手冊養龍蝦的安全手冊 要不要"},{"start":3679.11,"end":3687.458,"text":"要不要啦 我問你要不要如果他已經影響到我們的經營的安全這當然就會列入到我們的未移除模啊 這個要啦 要退出啦"},{"start":3689.945,"end":3711.412,"text":"連對岸他們都推出安全手冊,那你輸了?是不是就安全手冊,但這些管控措施應該都要來做啦不然就安全指導手冊,可以吧?這兩個字我們會發布門多的像AI使用的指引,或其他我們內部的資安的措施什麼時候可以發布?我剛跟委員報告過,我們已經責成內部再處理啦"},{"start":3713.174,"end":3736.982,"text":"什麼時候啦這個我現在沒辦法給缺些時間像這種事情我們能盡快一定是盡快可以吧AI安全手冊可以吧AI我們本來就有了啦怎麼針對AI agent這件事情一些新的使用比如說你要使用這些的軟體的時候應該怎麼樣做內控怎麼樣什麼項目"},{"start":3738.282,"end":3761.008,"text":"這個不是很難吧 這個東西沒有很困難才對啊原則是很容易 但是真的要落入金融業真在實作的時候那就要比較仔細的去研究才知道怎麼做才是真的能夠精準的好不好 這個盡快了我們再看一下那個光電業最近大家這個是最新的消息 兩天以前的"},{"start":3761.988,"end":3784.722,"text":"他講說 這個開發商啊 深陷資金移雲了從誠心集團看漁電共生漁電共生 光電不是只有漁電共生嗎漁電共生這個大跨界整個幾乎每一家銀行都有當那個連帶的主辦銀行北富雲啊 台銀啊 連帶啊等等還有什麼網報銀行都有"},{"start":3787.424,"end":3808.736,"text":"光餘電公升就超過五百億啊現在都面臨到營運的困境那對這些營運來講其實它普選都蠻高的我現在就問金管會怎麼看待這個事情它這個連帶案啊到現在為止沒收刷啦台灣如果說沒收刷你怎麼加強金管"},{"start":3810.606,"end":3828.139,"text":"這個對於某些特定產業他帶放上面一些風險的管控我想在銀行他們在當時就做過風險的評估那該怎麼做他們大概都有一套的作業方式啦所以他沒有問你不會倒就活該是不是不是就是銀行本來就是他是一個你看喔 北部雲統籌組辦新人員餘電共生56.4億"},{"start":3836.594,"end":3854.08,"text":"然後兩天前的誠心集團最大餘電共生也是一樣這個報導者雜誌都這樣出來寫的仔細啊看的是這個樣子啊所以這個你們要加強監管啦"},{"start":3854.776,"end":3877.066,"text":"我想我們在這個地方我們針對個案我們不會去評估啦我會在這邊公開去評論這個個案當然就是說我剛才講說銀行在做一個貸放的時候他本質上剛貸放的時候他必須做過週延的評估分析但是這樣不能確保這所有的貸放都一定是沒有風險所以我們才會刻意風險資本還有一些資本記提壞帳最後一個小問題問一下我就下來"},{"start":3882.949,"end":3895.637,"text":"虛擬資產的立法進度怎麼樣現在是這樣我們行政院已經大概基本審查完畢再做一些行政程序的話這個尊重行政院的程序應該就會送進立法院來審議那大概什麼時候這個就是應該"},{"start":3898.038,"end":3922.569,"text":"我覺得以現在的行政這個我沒辦法代行政院回答但是我希望說應該是能夠盡快的送進所以那時候只要送到我們立法院只要我們這裡通過就可以發行穩定幣是不是應該講它有一個立法歷程這個通過以後我們要等我們穩定幣的執法通過以後實施才可以開始進行差不多半年以後的事情應該至少謝謝"},{"start":3927.374,"end":3930.596,"text":"謝謝賴司保委員 接下來請林黛樺委員質詢好有請主委請清管衛捧主委"},{"start":3945.27,"end":3973.792,"text":"委員長早那這個本席想跟您討論當沖因為當沖這件的期限在明年就到期了所以到底當沖證交稅的減免延期明年截止那今天不管怎麼樣也應該要做個討論到底這個當沖到底是一個強心針還是一個證件的鴉片那這個主委您怎麼看"},{"start":3975.793,"end":3989.201,"text":"這個當沖的一日股東主席啊對不起啊這個為什麼我們財政委員會的這個螢幕我不知道怎麼處理他好嗎我沒有辦法按OK好"},{"start":3992.89,"end":4008.827,"text":"主任你怎麼看台股當中的成交量幾乎居高不下引發社會對股市賭場化的疑慮到底這樣的一日股東的頻繁交易跟強調價值投資的長期持股對產業的集資環境股票穩定度"},{"start":4009.848,"end":4028.97,"text":"股價的穩定度以及企業長遠發展到底是一日股東還是長期持股者這樣這兩個這樣的一個股市的操作方式對於產業集資環境股票的穩定度股價的穩定度跟企業的長遠發展各有什麼實質的貢獻主委您回答一下"},{"start":4029.8,"end":4055.273,"text":"謝謝委員我想這是一個非常非常有趣也重要的問題我想在去年我們討論是不是要延長的時候大家都做過充分的這樣一個正反意見的攻防我想其實一個資本市場或任何一個市場而言通常它必須有多重目的的組合如果完全是長線投資的話它的流量活力不足對於整個市場的效率性就會比較有問題"},{"start":4057.734,"end":4072.786,"text":"但是如果都是投機者的話這個波動過大但你認為台灣的這個市場怎麼樣的一個證券市場對企業發展是比較好在當中跟持股的比例應該各為多少你認為這個是比較正常的"},{"start":4073.443,"end":4087.542,"text":"其實這個比例並沒有說一個所謂的完美的比例我們看幾個很重要的比如說我們今天在整個交易量然後我們想要流動性很好主委如果這個是一個議題我的意思就是說"},{"start":4088.343,"end":4101.677,"text":"當你認為當沖現在的好處是他幾乎佔了我整個證券市場47%相當的高等一下我可以秀一個數字也許你已經掌握已經很清楚了在美國的當沖才佔了15%到20%日本佔30%到40%我們佔了47%"},{"start":4109.244,"end":4132.438,"text":"所以你認為這47%對台灣的這個證券市場跟企業的長久的營運以及它的股價的穩定度是好的嗎那如果你認為好那我覺得等一下的質詢議題也都知道答案是什麼了也都很知道你的立場在明年對於當沖延期的這樣的一個截止日我們也很清楚你的立場"},{"start":4132.918,"end":4157.869,"text":"就不會了嘛就很好啊所以也就會繼續演了那我想一片市場都知道這個穩定性那如果你認為這個不太正常喔其實整個證券市場還是在支持企業嘛還是支持企業的穩定的發展他在一個大眾不定的人當中去集資嘛大家對這個公司有沒有信心嘛我們會去投資他嘛"},{"start":4158.849,"end":4176.488,"text":"這樣才是對的我們股票上基本上還是建立於企業的產業的支持那如果你認為一日當沖這個還是台灣的證券市場的較量還是得固執因為我如果把當沖稍微降低的時候不鼓勵長期投資我的這個經濟市場我的證券市場"},{"start":4178.79,"end":4207.532,"text":"馬上我也說那這樣也很慘所以呢基於並不是把支持企業的永續發展好的這樣的為主軸而先穩定我們的證券市場這也沒有錯喔我也不認為是雖然這跟我們為什麼要有證券市場的原意可能不太一樣但是為了維持國內的這個證券市場那得必須做這個次要的一個決定我覺得也沒問題但是你的立場就很清楚你不可以模糊像剛才你講的那個就是模糊了"},{"start":4208.112,"end":4223.896,"text":"好那你那回現在在台灣的當沖比例啊到底年齡大概落在什麼時候是在哪個年齡層我們有那個數據還是我們請證券交易所林董事長來回答我們有這個統計我想這個統計應該有請證券交易所林董事長謝謝主席委員好"},{"start":4235.724,"end":4247.121,"text":"我們現在進入到當中市場的年齡大概都落在哪一個年齡層我們統計不一定都是年輕的為主"},{"start":4251.226,"end":4274.375,"text":"我了解的是40到60只是我不知道這個證券親自出自你之口你們的統計是不是在這個年齡層也就是他是壯年喔如果我們設定45歲以下叫做青年的話那45歲以上就壯年嘛所以他是表示這個年紀他是存了一些積蓄然後呢他想要再累積財富嘛所以你們是40到60的中壯年嗎"},{"start":4277.554,"end":4283.077,"text":"基本上來講的話我們了解的是工創也是主力那在這個當沖市場的賺賠的狀況是怎麼樣是賺的人多還是賠的人少從人數或者從金額賺的總量是多還是賠的總量是少"},{"start":4298.278,"end":4323.071,"text":"回答一下這個各自多少比例啦大概講個比例大概比例就可以了報告委員當沖基本上來講的話他不只是個人事實上還有一些法人法人專門在做當沖沒關係你只要告訴我賺賠的比例就好了賺賠的比例基本就是從事當中賺的人比較多譬如說賺的我們是會後再提供給你一個"},{"start":4324.031,"end":4338.258,"text":"好 OK如果按照本席所了解的人數來講可能是賺的53%的人是賺47%的人是賠但是獲利者呢大概獲利的虧損的金額卻是比較大的好如果他這個賠的金額還是比較高的話好那這個董事長您先請回那個主委"},{"start":4354.707,"end":4368.791,"text":"那我們來看當中的這個降稅的雙面刃活絡市場我們當中稅率降到百分之零點五後呢零點一五後大幅降低的交易門檻吸引著大量的族群與高頻交易者進入確實讓台股在國際動盪上維持成交量缺點呢就是鼓勵投機嘛"},{"start":4374.352,"end":4394.02,"text":"當中的比例過高達47%的這個證券的市佔率導致怎麼樣這個賺快錢啊 太誘人了本席為什麼會提出這個呢除了明年即將到期之外那我周邊就已經賺快錢賺到連年輕人大學生都投入了"},{"start":4394.56,"end":4417.819,"text":"我認識這個大學生他說好啊這個他自以為他是少年股神所以大完當中結果一波的跌停教訓他他慘賠了40萬現在只能邊延避延後畢業邊打工所以他的誘人誘人到這個年輕的人都投入了那這就警訊了不是40到60歲而已所以你長期持股者支撐台灣的產值的投資人要繳3%的稅"},{"start":4419.941,"end":4432.855,"text":"但是我短線進出的當中課我只要繳0.15%這表示現在政府是金管會是什麼態度鼓勵投資懲罰投 鼓勵投機懲罰投資啊好 我看美國國際稅制 證交稅我就以台灣 美國 日本"},{"start":4439.162,"end":4450.268,"text":"證交稅 台灣對當中是收這個15%的證交稅對一般15個交0.3%的稅那美國是免徵證交稅 日本免徵證交稅然後我們台灣的證件交易所得稅是停徵的美國是合併他的所得可以到10%到37%日本就是一個定率20.3%當中門檻 我們跟日本沒有門檻美國有規定 你的帳戶不管怎麼樣你都要有"},{"start":4467.799,"end":4484.136,"text":"這個2萬5千的美元大概合台幣75萬好 當中的股市當中的佔比我們是達到47%美國15%到20%日本是30%到40%好 我們就以美國股利長期投資做法長期持股者是降稅的"},{"start":4485.197,"end":4504.695,"text":"短期投資者課稅這才是重點長期投資者降稅短期投資者課重稅我就以美國證券交易所得稅的精神我講精神喔那他對於他定義了什麼叫長期持股一年以上叫長期持股只要長期持股的我課的就是低稅率對一般投資人15%高收入的20%甚至還在加增3.8%"},{"start":4510.64,"end":4523.395,"text":"那如果短期投資他也定義一年以下叫做短期投資那我就必須課這個高等的稅10%到37%所以對於美國來講平凡交易的投資人通常面臨較高的稅負"},{"start":4525.598,"end":4547.864,"text":"好那本席呢就是想跟這個金管會討論到底政府是支持投資呢還是投機呢政交稅減免至2027年明年就截止了到底還會不會再延呢租稅公平在哪裡長期持股者的稅率台灣的長期持股的稅率是當沖者的兩倍"},{"start":4549.404,"end":4568.269,"text":"當沖佔市場是百分之比重47這是否變相懲罰投資行為獎勵投機那長期投資人如果你認定長期投資人是應該被鼓勵的你是不是應該要評估要對等的稅制的調整呢好那個主委您要直接直球對決回答這個問題了2027年當沖稅制的延期到期了這個延期的這個這個優惠會被取消"},{"start":4578.231,"end":4593.698,"text":"你們有沒有評估過台股成交量將會怎麼影響有沒有做過政策退場的機制的評估如果你沒有退場那表示說是不是2027年我們又要再次面臨同樣的政治壓力再演一次呢主委請回答"},{"start":4595.755,"end":4617.751,"text":"先跟委員報告一下兩件事一個就是說這個稅的部分不會請簡短回答沒有回答夠的用書面好不好諮詢事件已經過了我想這個是因為稅是財政部主政我們的立場我們會充分表達給他我們再提書面給委員好所以有沒有你支持延期還是不支持延期"},{"start":4618.396,"end":4626.966,"text":"就是說因為這是財政部主政我們要跟他討論那本席建議啟動證券稅制結構改革那針對現行懲罰長線投資補貼短期投資的證券市場的失衡稅制結構進行深度的檢視"},{"start":4638.378,"end":4661.37,"text":"以現在的市場的流動性高度依賴15%的證交稅優惠匯率我本席認為應該是不鼓勵投資行為為出發有穩定市場切入有三個訴求同步進行 我講的是同步這也請你納入你的評估告告第一個 證券交易所得稅維持零第二個 長期投資者證交稅延逸調降"},{"start":4662.831,"end":4683.909,"text":"第三當沖正交稅研議滾動式的調整在2027年正交稅落日倒數的壓力評估建立分級落日制讓市場緩步的適應軟著陸而非恐慌性的退場也請你參考國際主要的市場的機制導正市場的體制朝向"},{"start":4684.549,"end":4702.58,"text":"支撐台灣產業發展的股市方向來轉型以健全這個我們的資本市場的秩序我也希望你這一個月內能夠提出評估報告那你要給財政部那這個評估報告同步也給本委員會可以嗎一個月那個委內建議非常具體我們會來處理好謝謝謝謝再來請郭國文委員質詢"},{"start":4714.439,"end":4717.853,"text":"謝主席 有請彭主委請金管會彭主委"},{"start":4722.728,"end":4750.764,"text":"委員長主委好主委我想最近股市非常的熱絡但是還是會有一些陰影最主要陰影就是戰爭的陰影中東戰爭基本上就是陰影之一接下來它是什麼時候結束大家不清楚戰爭的現況會越來越升高還是會趨緩也不了解但是就過往當中面對這個問題其實金管會都有一些作為也就是所謂的限控令限控令在這幾年當中短期在2000年"},{"start":4754.626,"end":4775.615,"text":"2020、2022、2025各有幾次那方法不相同一個是全面淨空有條件淨空或隔日淨空或者是融資融券的部分的一個限額等等有這種方法那本席想請教你的部分因為每次的這個跌幅雖然現在股市數字非常的高但是跌幅也不小"},{"start":4776.295,"end":4796.865,"text":"像之前的跌幅有高達9.69但是也只有0.81那另外還有5.82這一次的跌幅本息有算過大概有4.43之多那我不曉得在這次發生的時候主委你有沒有去準備說是不是要準備推出再一次的限空的可能有沒有考慮到這個問題"},{"start":4798.697,"end":4819.296,"text":"我想剛剛委員非常清楚從過去台灣這個股市過去幾十年來面臨到非常非常多的這些所謂的國際重大利空消息的衝擊那其實過去也陸續推出各種的比如說所謂的市場成為穩定措施那實際上我們在過去"},{"start":4820.197,"end":4832.823,"text":"也針對這些當時事實情況推出蠻多的這些的做法當時主要目的是因為當我們市場出現非理性的下跌的時候我可以理解但是重點是這一次主委你的心裡頭想像準備是怎麼樣"},{"start":4836.044,"end":4860.09,"text":"我想要了解的是這個部分我來回答委員的這個問題其實上就一個市場監理者而言對相關的情境的模擬以及應對方法當然有他一套的做法有準備啦有準備萬一我們市場面對不確定是我們每天的日常這些東西我們都是我們日常作業的一部分你會不會因為說現在已經三萬多點了不需要"},{"start":4861.75,"end":4887.095,"text":"現狀還OK有漲有跌所以說你就按兵不動除非有進一步的劇烈的動盪才有考慮是不是我們看的不是一個定態的數字我們是看那個狀況剛才委員講了就是說其實資本市場最後一定是落底在基本面不管做任何措施到最後還是要反映的基本面所以這些就是要做一個比如說我們尊重市場機制當市場機制無法發揮的時候比如我們舉韓國的熔斷機制為例"},{"start":4889.875,"end":4909.493,"text":"我如果說就基本面當然你不用去處理啦那問題是在那個市場面的因素所造成的可能恐慌性的賣壓才是金管會要扮演的角色嘛這就有可能造成恐慌性的賣壓的可能性這是其一種方式另外一種可能性說除了淨空令之外還沒有其他的行政作為來取代淨空令的可能性有沒有沒有"},{"start":4911.866,"end":4935.296,"text":"我想說其實一個市場最重要的是效率性效率性就是說我們讓市場的價格充分反映所有的訊息這很重要所以剛剛講說我們除了比如說剛剛講的委員講的限空令本身也是說當我一方比如說賣方的訊息跟買方訊息無法充分在市場反映的時候我們必須給予時間所以這時候才有這些作為我想"},{"start":4936.176,"end":4954.458,"text":"達到這個效率性資訊揭露也是其中一個非常非常重要的資訊揭露當然是另外一件事情主委其實大家是對金管會的期待還有對政府的期待無非是國安基金融之外就是禁空令的處理所以你的角色非常的重要也就是說你隨時有在挖取這種狀況也準備說必要的時候也採取禁空令就是了對不對"},{"start":4955.599,"end":4976.651,"text":"我們會在40年的時候我也期待說有其他多元的做法那另外一個部分呢那個主委我就教你一年的部分你知道最近台積電很多權值股紛紛破千甚至有破萬的那股市成長非常的快那另外一種市場叫零股市場非常的快零股市場在2024年的時候成長的這個比例是137%"},{"start":4982.074,"end":4998.84,"text":"在去年的部分成長比例是41%交易的金額呢居然高達86.71億這是平均喔然後以年齡層的話的話光40歲以下占交易戶就占了48.86也就是將近五成很多年輕人40歲以下"},{"start":5000.541,"end":5019.544,"text":"那以最近3月9號,剛剛一樣是中東戰爭的因素,台股下跌了1495點的時候,台積電零股的交易量居然暴增到單日1461萬股的紀錄。也就是說這個零股市場的活躍性超想像。"},{"start":5020.385,"end":5041.38,"text":"就這個部分單日台積電的成交就275.9億之多可以說是領股成交的最大紀錄這領股市場越來越大那我們那個股票權值股越來越多的情況底下本席要就較於你的部分是不是應該開始思考如何保障這個領股的投資者的這個交易權益"},{"start":5042.641,"end":5071.981,"text":"舉其例來說每次零股湊合的時候第一盤的時候是在開盤10分鐘這裡頭會造成一個Lake就是說呢零股交易10分鐘才湊合那麼基本上呢它有可能錯失了那個時機然後延後10分鐘也可以累積較多的買賣的委託單但是避免價格因為量端換出來大幅浮動這個部分是不是可以把零股跟整股的交易市場把它一併化的可能那我就交給主委"},{"start":5073.823,"end":5088.839,"text":"剛剛委員講的我是非常同意第一個就是說我們在資本市場的管理很重要就是要公平對待每個交易人如果他條件相同的話不應該受到不同的對待這是我們努力的方向只是我們過去在交易"},{"start":5089.72,"end":5111.177,"text":"有它一定的歷史因素還有就是習慣還有就是我們轉換制度的成本我想這部分呢我們會朝向一個國際級的資本市場來看的話這些東西我們都會來努力應該把差異性區劃掉嘛你只要是市場交易者都應該得到相對應你的所以技術上應該沒有問題吧林董事長在後面啊董事長應該沒問題吧"},{"start":5116.116,"end":5132.314,"text":"領股交易的部分剛才委員提的就是說整股跟領股之間我們的時間差那基本上來講的話我們整股讓它先出來的原因是因為領股本身來講它有一個參考價"},{"start":5134.076,"end":5158.75,"text":"所以對這個時間差 事實上來講 某種程度來講前一天就有參考價了啦而且美股開盤就有參考價了 ADR就有參考價了所以他基本上來講他就迫不及待要去交易啊 你還差那個十分鐘那個董事長你去研究一下啦 很多參考價啦不一定是開盤的時候就有參考價而且還有權值股越來越多的情況底下 他還有其他的可能性呢譬如講有沒有信用交易的可能"},{"start":5160.561,"end":5176.02,"text":"為什麼整股可以信用交易為什麼零股不能信用交易而且它交易的金額也不小啊因為它的可能絕對的金額會大過於其他的整股捲紙股大一點我買個100股可能會大過其他的股票啊那為什麼其他的股票可以信用交易這個不能信用交易"},{"start":5176.957,"end":5193.322,"text":"董事長 可以吧我們研究一下 跟主委研究一下甚至還有現階段當中的問題就是說如何將領股跟整股的這種差異性去化掉 這很重要同樣的投資人 同樣的馬股票大張和小張的差那麼多"},{"start":5195.764,"end":5201.949,"text":"跟委員報告對於現在我們有那麼多的零股的集體的參與我們絕對會重視他基本上的協議這個部分也謝謝委員給我們的一些建議本席慎重提醒一個月給本席一個報告好不好可以"},{"start":5210.956,"end":5236.11,"text":"再如何把它差異性驅化掉保障他們的權益嘛就像主委剛剛開始講的嘛通常是投資人都應該被保護嘛對不對主委這個方向可以考慮嗎對就是我們是一個我沒有見過國際級公平的市場跟透明的市場這部分我們覺得是一個好的方向我就會請那個教授謝謝主委的肯定啦是好的方向主委另外一個部分我還是要就教於您的部分雖然剛剛有其他委員有提過有關於這個"},{"start":5238.511,"end":5257.026,"text":"這個巴黎產險撐不住近五萬的保單要什麼時候退場這個第一個如果這個保單的權益實現還沒有消失的情況底下這個巴黎產險公司他要怎麼去面對保護的權益這個主委你要跟這些保護喊話一下"},{"start":5257.887,"end":5274.283,"text":"二來他沒有擔保三來員工的權益怎麼保障這都很現實的問題啊因為我只有看到你們很震驚啊但是不曉得後續的處理方法是什麼那是媒體講很震驚其實我們早就知道這個訊息你不震驚喔不會不會 這很正常"},{"start":5276.486,"end":5294.743,"text":"其實市場本來就有進有退為什麼所有法律都有一個退場機制本來就有這個退場機制在過去他不是第一家離開台灣也不是第一家進入台灣他有的程序都非常非常明確我想他非常清楚也都密切跟我們保險局在溝通那跟公衛權益有什麼保障一個一個問你"},{"start":5296.204,"end":5312.599,"text":"我們有勞基法就按照這所有的法律來進行盡量不要Lay off盡量把他轉任保有他的工作權比那個勞基法勞基法那是不得不的做法其實我們在他提出的時候我們就已經跟他掩體各式各樣的員工的權益要保障第二個是保護的權益"},{"start":5314.641,"end":5331.46,"text":"對 那個都沒有問題那實際上他比如說我們任何一個這個特許事業他做資本還有保證金一定要你所有結清這個東西我們才會做這個所以不會有問題這個沒有問題那將來有沒有可能還會有類似的事件產生短期內"},{"start":5332,"end":5360.608,"text":"沒有我們希望說台灣是一個能夠自由進出因為我們對外資的保險公司完全沒有差別的待遇所以我們也歡迎他們來當然他們自己經營決策我們也跟他溝通過我們也尊重他就像主委所講的外資的保險公司來自本土著地其實有相對他的困難度也相對有這個風險也請主委特別注意一下但是也有他的優勢嘛所以我們歡迎台灣還是非常友善而且對所有的外資我們都會我是擔心有類似的事件產生的時候啦好不好"},{"start":5360.908,"end":5365.81,"text":"是好謝謝主委謝謝謝謝主席謝謝郭委員再來請劉書斌委員質詢好謝謝主席現在有請彭主委請金管會彭主委委員好好主委好"},{"start":5389.793,"end":5410.88,"text":"我們看到呢銀行的跨行轉帳手續費呢一筆一千元以上呢就是有跨行的手續費是十五元那價格他已經有十二年沒漲了那你今年年初的時候呢也說呢要研議呢要會來去調價那現在進度如何可以報告嗎好那我請銀行局局長跟您簡單回覆一下"},{"start":5412.165,"end":5439.225,"text":"跟委員報告上一次那個黃委員有質詢這個議題我們已經有請那個銀行公會跟財經公司還有央行我們會共同來研商那因為在最近的一次先前已經有決定說因為我們台灣的跨行手續費相對來講各區域國家來講已經是非常低的那所以在大概在兩三年前已經決定不會再往下調降那但是這次委員有再提出相關質詢所以我們會再做相關的評估"},{"start":5439.845,"end":5460.166,"text":"那時間上面一個月可以再把評估報告出來 研議的結果出來嗎因為你這樣已經從今年的1月7號到現在已經超過兩個月了而且我們知道過去的時候就算是沒有這樣的時間性可是它都是用現在已經都變成自動化的一種的作業程序那人工的成本是大幅的降低那財經公司結算作業應該是都可以完成對這一點"},{"start":5462.308,"end":5472.393,"text":"剛剛我們說我們請銀行公會他們以前過去針對這個東西已經做過研議而且我們相較其他也是不是一個也是比較低的水準我們請他研議我們請他去跟他確認一下是要多久報告可以出來再跟委員說明"},{"start":5477.995,"end":5481.378,"text":"OK 好 希望我們民眾黨會持續在追蹤這個議題那我們現在繼續往下看有一個金管會很重要的一個政策目標是在亞洲資產管理中心那我們看到說這也是戴清德政府的一個主要政見因為台灣"},{"start":5496.673,"end":5504.765,"text":"喊了30年了過去12人任的這個金融金管會主委都沒有做那您卻做了而且喊出了這個第一屆的目標是說要兩年有感也看到說現在已經有超過20家銀行跟超過兩兆元的資產規模已經進駐到這個高雄"},{"start":5513.117,"end":5516.139,"text":"那這邊就先讓你說到做到但是我們也看到有幾個問題第一個問題是說亞資中心在兩年內創造了兩兆元的資產規模但是想要問你說這兩兆元當中有多少是屬於海外的資金形式進來的"},{"start":5530.308,"end":5548.859,"text":"這裡稍微報告一下我們這個過去推動這一年半應該是5.7兆那個2兆是因為我們私人銀行業務現在成長到2兆2000億左右那剛剛提到那只是私人銀行業務那高雄專區只是我們16項計畫其中之一那這部分剛剛講說那5.7兆裡面呢因為我們有"},{"start":5551.6,"end":5569.5,"text":"這個所謂的AUM就是它資產管理規模有各式各樣的來源那我們到現在是沒有去細分說這是資金是從國內或國外當然我們可以看得出來這大部分都是以國人的財富為主那我們會去了解一下如果具體的數據再給委員好 那一個禮拜可以嗎"},{"start":5570.306,"end":5587.841,"text":"我們去盤查一下說有這個統計我們可以很快可以快盡快就出現這部分是非常重要因為你們部分的這個目標是在說要是要留財引資這部分就希望能夠落實第二部分你剛才也講說在你們的幾項計畫當中其實高雄市是一個部分對 其實我們地方專區的一個專案"},{"start":5588.942,"end":5608.088,"text":"對那有沒有考慮到說現在的下一個落腳的縣市我們很多的我們很多的場合我們都說因為這是要地方政府來協力地方政府願意他提出他們的優惠措施來吸引所以他幾個前提一個地方政府要有意願要有能力再來就是我們的廠商要有意願"},{"start":5609.308,"end":5634.145,"text":"要過去我們政策再去配合這件事情所以我們也歡迎其實在這次那個卓院長在他施政報告也講說我們希望今晚會來複製高雄經驗到全台去那我們也歡迎我們各地方政府如果能夠提出你們的誘因能夠具有招商的條件我們會來政策來配合好那這樣子現在最目前為止是其他像新北跟台北沒有提出來這個需求是嗎目前沒有"},{"start":5634.545,"end":5641.328,"text":"好 這樣了解 當然希望其他的縣市也能夠知道說目前政府有這樣的計畫那我們繼續往下看就是在於說因為現在包括的是台灣的一個狀況大家有這個跟新加坡跟香港他們其實都有這樣的一個亞洲資產的這樣的管理的一個作為那包括的 還是我們看到說台海關係也都不穩定"},{"start":5658.236,"end":5674.25,"text":"剛剛說的香港跟新加坡的稅率就比我們低外匯管制也是比較寬鬆那台海的穩定度當然也是一個問題還現在包括了美伊衝突的爆發等等那這樣的情況實際上對於我們目前的亞洲資產中心的目標年度目標達成會不會受到一些影響"},{"start":5675.07,"end":5700.524,"text":"其實跟委員報告我們其實我們在做這個計畫我們有仔細盤點過像委員提到比如說稅的問題其實我們看到就全世界有很多的金融中心他稅其實非常的高他也不會就無損於他這個稅只是其中一個要件在地緣政治的問題當然很多人在說其實台灣從1949年開始就一直都有這個問題其實我們從事實告訴我們就我們在推動這一年半我們就按照我們的計畫已經增加了"},{"start":5701.884,"end":5726.193,"text":"就是五兆其實某種程度來看其實我覺得我們是要吸引各種不同層次的這個資產進到台灣來做管理我想白資金有多重面向在乎地緣政治人他可能會到他自己認為的那很多地方他不考慮這個或是他沒那麼看重其實這樣就可以過來所以我覺得我們在做這些事情不能因為有這個而不推但是我們的吸引力在哪裡"},{"start":5726.793,"end":5744.386,"text":"而其實剛才講說比如說我跟委員報告一下就是我們單單就幾個數字比如說台灣的我們的銀行的這個存款對不對我們的國人的存款非常多而且每年的差額儲蓄這麼的高就是說我們的整個財富跟投資動能高資產客戶非常的多"},{"start":5745.126,"end":5760.619,"text":"所以你們就這個目標來講 你覺得我們已經吸到我們現在在屬於台灣人的資產但是本來在國外 現在進來的比例是多少所以我們想說 今天一個是有步驟性的如果連本國的資產都不願意留台灣談怎麼樣從外外但是現在這個兩年之內 你們達到這個目標多少我們本來是預計就是說 兩年的時間希望能夠增加4兆但是我們從現在統計已經來到了大概5.7兆左右"},{"start":5772.029,"end":5793.857,"text":"所以我覺得這件事情就是代表說其實台灣在過去他覺得假設台灣能夠提供這個服務的話我覺得我們這些資金就願意留在台灣給台灣的這個市場一個機會好你現在目標是達到了你這樣應該是這樣子吧當然只是初步的目標初步目標達到了好或是你也許你的當初目標定的比較低啦如果說我們當初有大概15兆的這樣子的一個但是我們目標"},{"start":5796.758,"end":5818.076,"text":"而限制我們的做法所以我們也希望說其實我們給了一個非常非常難挑戰的目標就希望六年之內能夠翻倍好 我們就繼續的期待著繼續我們來看一下這個意見當中是說專人的專戶他們也是在今年上路在亞洲資產中心客戶需要到高雄開會可是影響很不便那如何化解"},{"start":5818.676,"end":5846.637,"text":"我想這個問題有點小複雜我請銀行局局長簡單跟委員說明各位委員報告那個要到專區去開專戶這個部分我們有跟銀行會商過三次那銀行也覺得說必須要這樣做最主要的一個考量是為了要防度洗錢的一個可能性那第二個部分呢專區一定要由專人來這個提供相關的服務才能夠避免相關的這個銷售商的一個糾紛所以這個是我們跟銀行有達成共識"},{"start":5848.243,"end":5868.183,"text":"現在是因為主要還是一個試辦階段國人對於金融業的穩定跟安全有高度的期待我們希望在一個風險可控的範圍之內來穩步推進所以我們也不冒進所以剛剛講說我們寧可把它做穩做好以後再來擴大所以我們對這個東西一開始我們會有序的去管理"},{"start":5869.244,"end":5886.342,"text":"好 那我們希望就是這也可以看得出來整個的目標應該是還是以西周台灣國人的資金我們是希望就是說流財引資都要好 那希望另外在外資的引進上面也能夠加強這部分才是真正亞洲資產管理中心"},{"start":5888.124,"end":5892.046,"text":"好 謝謝 我們繼續往下看有一個議題是包括的是強制險的一個預告金管會已經在二月份已經預告了說準備把這個保額拉到大概三百萬元但是它目前的規劃是保費不漲這個保費不漲的話那是誰要來吸收要增加從兩百萬到三百萬的這樣子的如果說的一個賠償額呢"},{"start":5912.253,"end":5934.264,"text":"是 跟委員報告因為強制險是個強制推的強制等於說你只要有車的人就必須要投保所以我們對於調費都非常的謹慎因為這增加民眾的生活負擔所以我們在過去呢要因為這個險的實施是所謂無盈無虧就等於說過去如果說他損率比較好有結餘的時候他要積存為一個特別準備"},{"start":5935.345,"end":5964.261,"text":"不能夠列入乘坐產險公司的這個損益裡面所以我們就看了其實這個是過去幾年因為我們的道路的死亡改善其實有明顯的改善所以再來就是我們的準備金累積到一定程度以後我們覺得有這個能力在不漲保費的情況下調高但是未來我們持續假設能夠下降這個死亡率的話那其實上這個空間來這並不是從哪裡來就是從過去因為我們整個損利調好以後產生了一個"},{"start":5964.761,"end":5972.124,"text":"所以現在是預告期間嘛 那這個時候 預計什麼時候會升?7月1號7月1號 那我們就去看他這部分可是你們 現在還包括一個問題因為實質上面 在整個法院判理賠的這個總額當中其實一般的A1事故的平均是411萬死亡受害者是371萬 那失能者更是達到330萬你們現在拿到300萬 其實是不太夠的"},{"start":5989.83,"end":6015.573,"text":"那這邊呢是不是有一個考慮到說呢應該再去加強它的一個這個裁員的部分尤其是要加重到這個加重危險累犯的駕駛他們的保費這樣的金額或是把第三責任錢把它放進去裡面這部分有沒有意見納入到你們的考量當中沒有我想上次行政院召開道安會報的時候已經指示說高風險高保費是未來制度調整的趨勢"},{"start":6016.641,"end":6022.184,"text":"所以這是要考慮解決的你假如是高風險的駕駛人未來的話你就必須要承擔高的費率這是一個研議的方向我想這應該是很明確好 一個最好最先後面一個問題就是說那因為過去的這個調漲調整的是在13年前那這次也在預告在調整的時間是不是有考慮到要把這個CPI跟基本工資的漲幅也把它納進去彈性的調漲而不是要在礦日廢時的"},{"start":6040.875,"end":6068.732,"text":"沒有反應到時事各位委員這是一個保險不是一個比如社會福利事項沒辦法按照這樣來做這是因為有保費民眾要負擔的這個就是保額提高就成本增加成本增加民眾就要增加保費我想這部分我們會盡量的就以不增加民眾的這個負擔我們積極面去改善風險降低死亡率讓這個東西把保費提高這才是這個險最重要的目的不是為了賠是希望最好不要賠"},{"start":6070.468,"end":6071.608,"text":"主席 各位出列席官員 大家好"},{"start":6099.562,"end":6125.634,"text":"最後請彭金榮彭主委請金管會彭主委等一下請OTC的董事長請OTC簡立中董事長委員長主委你好你運氣都不錯你來了以後台灣股市強強困川普說韓美國的股市要上看10萬點台灣有沒有機會突破5萬點大關"},{"start":6129.976,"end":6153.323,"text":"這我還是一樣那句話回答我們金管會身為資本市場主管機關不會對未來做任何的預測一樣一句話我上次問的時候是一萬點會突破兩萬點你也講這句話那會不會到了五萬點你還是講這句話我想我答案應該都是一樣都一樣我們看到台灣的股市蓬勃的發展現在是不是已經進入了牛市"},{"start":6155.611,"end":6168.844,"text":"這個答案也應該是一樣是怎麼樣一樣我們不會對現在市場對未來景氣的判斷做任何的評論監管會最重要的就是營造一個好的氛圍"},{"start":6170.865,"end":6187.917,"text":"國際的資金源源不斷的滾滾而來那你有沒有大概統計一下現在每天的日均量加起來大概多少現在大概是8600在8500億左右8000多億那如果再加OTC還有加上新櫃創新創櫃買賣整個加起來有多少應該應該這個是"},{"start":6193.888,"end":6215.379,"text":"對 在九千八百差不多一兆快到一兆快到一兆啦那在這個比例上是不是有點需要怎麼樣來加強的因為自然能的部分現在開戶數有多少現在大概一千三百萬吧對 經常在使用的戶頭有多少"},{"start":6217.328,"end":6240.428,"text":"這可能不知道,七八百萬戶啦海環都一直慢慢在增加小白也都加進來了我們看到每一波都有不一樣的故事從大概前年航海王後來就是台積電護國神山再來就是現在AI所有的周邊的這些公司什麼時候會輪到金融跟船廠"},{"start":6241.752,"end":6260.519,"text":"我想剛才就是一樣假設你真的被市場肯定未來具有成長的前景那市場效率性高的話自然會看見其實這個結構上跟展現出來的這個數據是有它的內容不一樣的內涵現在外資的持股比例有多少現在大概是48"},{"start":6263.879,"end":6290.06,"text":"48每天當沖的量大概占一兆的裡面大概占百分之多少剛剛前委員提在47%49%所以你一兆多的大概有45、48%全部都是靠當沖那對 你覺得這樣的一個情況再加上外資來的部分那個QP還有還有什麼我們外資來的還有什麼"},{"start":6292.443,"end":6297.587,"text":"菲尼菲尼的量有多少?外資的交易嗎?對剛同仁講三十幾趴不然請那個張振山好了張局長那還是請因為我們現在是那個現在換人了是不是?對張振山是這樣我剛遇到他我說你怎麼落跑"},{"start":6318.014,"end":6336.551,"text":"他在的時候,他好比證券市場的護國神山我看他那穩穩穩穩的上,我說啊這下算嘛,你那兇兇就滅了轉任到別的地方,不曉得現在新任的可不可以撐得住那個,報告委員齁,我們現在的成交量大概35%"},{"start":6339.934,"end":6360.093,"text":"再補充一下市場交易所當沖的量平均來講的話也是36%沒有到47%所以基本上交易所的話當沖的部分沒有高到40%我們看到現在台灣的台股這樣走走走甚至有的股價"},{"start":6361.502,"end":6388.017,"text":"主委股價已經漲到一萬多塊我的天啊這個在十年二十年三十年前完全想像不到一張股票股價一萬多塊主委你有沒有在買股票沒有你沒有買股票對我們不能買股票哇啊你都沒有買股票怎麼樣融入其中然後掌握其中的奧妙我們這樣才客觀"},{"start":6389.27,"end":6417.47,"text":"這樣客觀喔那你客觀要知道裡面更多的情況因為現在大概有百分之六十以上傳產的部分有的甚至低於二十年的平均價格這是有一點就是支券也好有一些外資來也好就變成這個市場都有一些不同的力道存在外資來他會去買傳產嗎"},{"start":6419.556,"end":6425.089,"text":"當然也有啊 只是比重上沒那麼高比例很低很低啦那我們請簡董好了"},{"start":6427.958,"end":6449.207,"text":"那剛剛跟委員更正一下因為剛剛有委員質詢那個當沖他的資料47剛剛我們董事長已經更正了對的也差不多啦他一直在成長當沖的量一直在成長那請教一下那個檢總市長面對這樣的情況外資來買本土的這些股票大概比例占多少"},{"start":6450.407,"end":6459.272,"text":"假設100億來說買傳產會有多少跟委員報告貴買中心外資這個交易的比重大概25%左右如果買傳產的勒"},{"start":6465.652,"end":6483.124,"text":"其實其實委員我可不可以說明一下其實傳產跟所謂現在我們AI或者是相關的這些產業其實我們現在並不是這樣分因為我們一直在講供應鏈供應鏈的觀念現在有很多的"},{"start":6484.325,"end":6510.039,"text":"我們所定義的譬如說做材料的譬如說做機械的其實它跟這一個AI的供應鏈或半導體供應鏈他們都有幫它做設計這個材料或者設計這個機械所以他們會進入它的供應鏈裡面所以其實我想解釋的是說這整個的供應鏈其實是很比較龐大的不單純去分這個是不是傳產"},{"start":6512.52,"end":6531.489,"text":"他如果說他做的東西是很很舊的很傳統以前的東西都沒有新的研發或發展的話那他可能就會歸類說比較沒有辦法去沾到這一個整個趨勢的這個我理解了因為你整個展開來也許他有金屬加工部分他有一些螺絲等等"},{"start":6532.549,"end":6556.484,"text":"那我現在是講的意思是說當大家全部重心都放在未來的一個趨勢譬如說我們現在講未來的趨勢那主委你告訴我們未來的趨勢是什麼對我想說未來的趨勢其實我剛剛講我是一個假設我已經王主委你是教授啦所以不知道未來趨勢大概就是低軌衛星嘛台灣未來的發展"},{"start":6557.881,"end":6584.075,"text":"就是這個人型機器人嘛另外一個就是無人機嘛這個都是大家通通都知道的一般都知道的事情所以我現在的意思說我們很多的重心不斷的放在Focus在這幾個部分而忘記了很多基本的傳產譬如說銀件銀件股來說有很多都是很認真很辛苦踏實在做"},{"start":6584.835,"end":6599.016,"text":"可是一般台灣給的本益比就非常低啊那我請教前董事長好了前董就半導體來說台灣給的本益比是多少"},{"start":6600.997,"end":6622.274,"text":"現在半導體因為我們看個別公司的情況不一樣有的可能有到比如說50的這個ratio台灣嗎?對,那我們整個平均...好,那大陸給多少?我們整個平均是30幾35左右吧對,好,那PCB的部分台灣給多少?"},{"start":6623.981,"end":6652.74,"text":"PCB最近有一些PCB其實本益比還不錯因為他PCB他有做ABF載板有一些都是直接是AI必須要用到有些很高端現在他的技術層級非常高所以我覺得每一家產業或公司他的這個PE Ratio或他產生的PE他的這個是跟他的研發跟他製造的這個項目有沒有走到"},{"start":6653.881,"end":6662.286,"text":"我們有很多的台商因為在台灣的人見度不高獲得台灣青睞的程度不高很多跑大陸去為什麼 主委您知道為什麼嗎"},{"start":6668.427,"end":6688.907,"text":"因為很多這些過去的台商朋友在台灣要借錢借不到要給予金融的支持都不要全部有幾千都跑到大陸去了沒有想應該這個情況如果是個案的話應該是就是個案一夜之秋啊我可以累積很多個案改天給主委知道一下好我們再繞回來時間關係喔"},{"start":6690.424,"end":6712.724,"text":"那台灣現在發展的話我很怕就是有很多失衡或者有一些基本的傳產大家看不到沒有關心台灣有的百工百業我們要照顧更多的一般中小企業這是很重要的主委對不對當然我想政府職責應該照顧每一個行業每一個國人好 再來問的一個就是說"},{"start":6714.198,"end":6732.675,"text":"我們現在乘以下每天均量一兆請問政府收的稅收多少那個用那稅率一成大概政交稅千分之一點四二五兩邊來回千分之三一天大概二十四億因為扣掉當沖"},{"start":6735.658,"end":6757.735,"text":"最後一個不好意思主席站起來最後一個題目就是台灣的證券加稅一天大概抽24億一年兩百四五十個營業日下來抽了五六千億主委會不會太重這是國家財政稅收的問題我不方便說如果跟國際接軌"},{"start":6760.191,"end":6788.962,"text":"證交稅 適當的往下調升到千分之一你覺得有沒有機會我們國際的稅制比台灣有它很獨特的地方因為我們沒有課證券交易所得稅嘛那些國家有課這個他就不課交易稅這個有各種不同的歷史因素這可能沒辦法就這樣簡單的所以現在台灣的股民溫水煮青蛙每天一兆一兆滾下去一年就是被政府抽了五六千億這個非常的不公平"},{"start":6789.802,"end":6817.606,"text":"稅制的部分我們免三兆多這些股民就被收了大概六千億的稅十年就多少就六兆所以這個應該如果持續那麼大量的話證交稅是應該要被檢討是應該要調降的不能一直針對這些股民不斷地抽他們的血抽他們的稅好不好"},{"start":6818.496,"end":6823.277,"text":"請主委用書面回答再來請代會員委員質詢好謝謝主席那個請金管會主委那個樓民財委員要請總統了所以這個是總統的政策維好好謝謝"},{"start":6850.256,"end":6853.755,"text":"等一下 主委等一下那個螢幕沒有資料"},{"start":6877.352,"end":6884.123,"text":"先預告一下等一下大會委員會諮詢完之後讓我諮詢我諮詢完之後休息五分鐘讓大家上廁所"},{"start":6890.389,"end":6905.001,"text":"我想虛擬資產已經是成為全球金融化的不可忽視的一環其實我們的監理基本架構也正在成型但是面對這一項新興且高度依賴技術的產業"},{"start":6908.524,"end":6929.746,"text":"本席認為金管會目前的一個草案其實還有很多地方需要釐清還有很多盲點不過就是說等了喊了一年也等了一年那虛擬資產專法是不是還在研定就從去年的3月25號一直到現在甚至就是說"},{"start":6930.467,"end":6959.084,"text":"我們匯豬委莊匯豬委在上一次在12月25號也跟大家宣布這個是一個國際性的一個論壇他公開的表示說虛擬資產的那個服務法預估最快最快在明年就是等於是今年的上半年會執行了可是這樣看起來就是說這個依告草案一年過去了那驗版的草案現在也還沒有經過立法院的那個一讀"},{"start":6960.225,"end":6983.645,"text":"那主委你看我讓你有機會講一講到底就是說什麼時候會送到行政院什麼時候會送到立法院那你是不是試著就是說把這一個時程跟大家做一個報告好 謝謝委員我想說我們在前年的時候就答應我們要立專法我們當初就立定的是明年的就是去年的六月底以前送進行政院"},{"start":6984.405,"end":6999.211,"text":"對 那我們那個剛剛委員提到三月那是因為我們內部的這些草案要公告給外界收集意見那我們做完了只是行政單位做完草案我們確實在6月27號已經送進了行政院並沒有任何的延誤那接下來呢 政委就開始進行"},{"start":7000.532,"end":7018.926,"text":"多次的開會那最近已經開會已經討論完畢剛剛那個我們副主委說最快是預估說假設是在比如說當時在下個就是前一個會期如果通過的話能夠在這個會期就送進行政院"},{"start":7020.367,"end":7042.406,"text":"送進立法院的話那當然這個會期最快如果我們通過的話就有可能我們的虛擬資產服務法在今年就會通過然後接下來在我們的執法通過以後就可以實施我想這整個過程應該都按照這樣一個順序來做我想行政院那邊已經審查完畢按照程序應該預期行政院已經審查完畢了"},{"start":7044.027,"end":7061.463,"text":"對 什麼時候會送出來那這樣我沒辦法代行政院回答不過按照程序是審查完畢以後會經過行政院院會通過以後就會送進立法院好 主委我再提醒你在野黨他的兩套虛擬資產法制上基本上他已經超車了金管會你認為這樣是合理的嗎"},{"start":7063.325,"end":7088.911,"text":"我想市場上比如說我們在大院各個委員之間都有各自的理想的條文我想這都尊重但是未來還是要落地可行真的符合我們台灣真正的不管是市場的現在的現況以及我們監理上面的這個能量還在就是未來的發展我想我們可以再透過在立法院的討論的時候能夠深入的討論各種版本"},{"start":7089.651,"end":7105.727,"text":"那我們就再充分的討論那就是在3月16號台哥大已經跟萬事達宣布了他們要合作那甚至把那個加密幣導入了日常的一個支付這個已經是從投資的一個工具走向日常生活裡頭"},{"start":7106.488,"end":7117.515,"text":"那主委你怎麼看呢就是這些虛擬資產專業法跟信用卡卡上在推動日常的一個支付上面他有足夠的法規來規範嗎我們有足夠的法規來規範他們嗎其實這個在我們一些把過去把穩定幣"},{"start":7125,"end":7139.609,"text":"或是一些虛擬資產搭配在信用卡上做支付這個部分其實已經在國際上已經很普遍我想這個如果在法規上基本上它還是一個信用卡支付它是一個信用卡支付所以說主委你也樂觀其成"},{"start":7141.07,"end":7161.886,"text":"那如果說我們在這個虛擬法規上頭的話我們台灣不是發展最快的啦那就是說已經就是說外地的廠商在本地已經是落地了那我們也有我們自己的法規可以管他們的話我們是不是應該就是說開大門走大路我們就去歡迎他們咧"},{"start":7162.826,"end":7187.098,"text":"其實我們剛剛提到所謂落地我想應該這是法規認知上面是有一點點差異的還是有差異比如說他們今天去綁一個信用卡比如說我們市場上聽到的U卡那其實上某種程度他拿的就是一家VISA或是MESSA卡這部分他在支付店家他也是收他當地的幣別只是他結算背後可能他付的時候可是起碼他就是受我們的法規受我們的法規管理啦這是好事啊"},{"start":7187.838,"end":7207.824,"text":"對 就是說其實應該講就是說我們現在所落地剛剛提到假設外國的這些的虛擬資產服務業者在台灣對我們一般民眾做無差別的這樣的一個業務的話他必須經過我們的特許我想這個全世界都是一樣經管會的特許那我們接著是不是主委我們再來講這個虛擬資產他所依賴的這個區塊鏈"},{"start":7211.685,"end":7233.665,"text":"它本身不是金管會監管的一個範圍內那你怎麼樣來就是說監督呢因為區塊鏈就沒有納入你的監管範圍那會形成你監管的一個落差那你有沒有更好的方式還是說尋求有技術的合作廠商的時候必要的時候是不是跟外國廠商一起合作呢"},{"start":7234.525,"end":7263.024,"text":"對 我想這部分有沒有排斥當然我們在監理機關我們扮演的角色跟一般業者是不太一樣剛才講 我已經說區塊鏈本來就是個去中心化是衍生出一個技術它本質上就不是但是我們真的看到現在的落地的部分基本上還是要靠中心化取得信任比如說剛才我已經說我們怎麼樣去納管這個區塊鏈因為區塊鏈如果要跟一般民眾生活做連結它必須要跟幾個"},{"start":7265.866,"end":7286.801,"text":"幾個這個機構幾個中心點產生關聯性比如說我們的銀行或是我們所謂的交易所這些都是可以政府公權力可以所到達的地方透過這個方式來管理我們區塊鏈上面的金融交易行為所以就是說其實基本上就是說你也是支持這樣子的一個"},{"start":7288.211,"end":7316.924,"text":"方式嗎因為這是一個假設是一個技術的發展跟全球的趨勢我們擋不住但是我們必須要在我們自己的監理的架構上做好準備當然是擋不住啊我們就是因為擋不住所以我們才必須要就是說你看停了慢了一年如果就是說其實你基本上你並不是你是一個比較創新的寫者如果就是說不是去年就是這當然有很多原因啦這個這個原因慢了這個我們也也就"},{"start":7317.724,"end":7341.669,"text":"不再往後看了我們往前看的話如果就是說可以提前的話其實我相信今天我們討論的議題又不是這樣的一個議題當然一個新的制度的出現必須要考量社會各界的共識像比如進到立法院還有各界的意見還要整合我想這也是真的對於這種新的事物坦白講"},{"start":7342.529,"end":7367.705,"text":"充滿了不確定性但是我們要做好準備但是也不冒進當然是不冒進可是業務已經趕上來了那你的執法法規呢執法法規是不是已經到位我們其實現在全面在推動我們的草案絕大部分我們已經有草案接下來的話我們還在做一個整合因為這次總共有預計會有九個執法要訂定其實蠻龐大的工程九個執法"},{"start":7371.916,"end":7398.344,"text":"總共這個當我們虛擬資產服務法通過以後裡面有授權要訂定我們現在已經有大概九個執法要來訂定其中八個是針對虛擬資產服務業者另外一個是針對穩定幣是那倒是那個九個執法裡頭主委可以不可以就是說你可以很肯定的講就是涵蓋了現有的一個業務嗎這九個執法可以那個就是去那個承擔現在的這些業務嗎"},{"start":7400.245,"end":7425.948,"text":"我們看到不管是交易保管到支付借貸我覺得可以說我們未來的這個法律架構會超過現在登記制的這些業者的範圍那如果往後再延伸RWA還是穩定幣呢看業務未來發展趨勢來做彈性的調整其實我們的法規裡面也留有這些相關的彈性空間所以就是說基本上你認為沒有問題"},{"start":7427.149,"end":7449.222,"text":"當然我們現階段如果有問題我們會處理我們一定把它處理到我們認為沒有問題才會上路所以我想那個眼見最新的一個調查他說高達76%的這個我們的虛擬資產的用戶他顯著就是把他的資產還是放在中心化的交易所這也是為什麼監管的重要性"},{"start":7449.662,"end":7468.781,"text":"是啊是啊所以我們也看得出來啊所以就是說受監管變成是就是這些投資者最大的一個期待啊所以在這裡也是要鼓勵啦也是跟那個金管會加油我想就是說很多投資者是期待就是受監管是一個合法的一個監管"},{"start":7469.862,"end":7483.37,"text":"對 就是說因為政府透過監管取得社會信任是一個產業發展非常重要的基礎這是我們政府保護人民權益一個非常重要的工作啦好 謝謝 謝謝主委 謝謝主席 謝謝委員好 謝謝接著請吳秉瑞委員發言"},{"start":7502.475,"end":7527.068,"text":"主席麻煩請彭主委還有證交所林董事長還有OTC簡董事長好 還有簡董事長好 我也好剛剛前面有幾個委員提到說這個市場上所有的交易者都希望能夠公平的這個原則那其實最釜底抽薪的辦法就是不要以千股為交易單位啊這個"},{"start":7529.932,"end":7546.623,"text":"像以西方尤其美國的市場他是以美股的交易攤位那就不會有零股的問題那無論是怎麼樣交易都是就自然都進到公平的交易的領域裡面來這件事情其實也都有人提過不知道三位的看法怎麼樣"},{"start":7548.274,"end":7563.856,"text":"我們上次也有回答過這個問題像這種都是我們要邁入國際資本市場上一個非常重要各國的制度我們都要去研議然後讓我們是不是怎麼樣能夠促進我們整個跟國際化對標我想我們請教一所"},{"start":7567.156,"end":7584.511,"text":"基本上我們從關於領股跟個股之間事實上我們也一直在縮短它的差距那現在包括縮短的時間也現在變成5秒所以某種程度來講我們也希望慢慢的往委員講的國際的慣例裡面個股的這樣子的方式來去做思考"},{"start":7589.79,"end":7617.56,"text":"如果你贊成的話需要準備或是更動什麼樣的東西大概要多久的時間你能基本上來講的話因為要跟證券商他的系統也要改變相關的華麗要求對所以這個系統的改變的部分容我們我現在沒有現場的資料大概有多少的時間那這個部分來講最主要是系統的改變會佔比較大的原因的因素請董事長同意嗎 贊不贊成"},{"start":7620.443,"end":7634.979,"text":"向委員報告一下其實我們國內的教育制度是從遷谷這個我們已經運行很久那我們當時去討論說要不要去增加零股的時候當然"},{"start":7635.7,"end":7654.709,"text":"因為有一些高價股或者是股力配股的這個領股在交易所以我們希望說能夠讓領股方便一點但是其實委員你注意到現在我們的交易依然是以千股作為它的本對啦我的意思是說如果取消以千股為單位"},{"start":7656.567,"end":7674.142,"text":"就是跟美國接軌一樣是以個股為交易就沒有這個什麼零股跟整張的交易之間的所謂剛剛前面幾個委員提到的那些時間點融資什麼各方面的問題如果這樣子的改變你認為贊不贊成"},{"start":7676.785,"end":7701.187,"text":"其實委員你這樣子講把它變成一套這個是我是贊成但是其實我們有考慮到一個問題就是說我們其實我們台灣的這個股價的這個單價有的並不是那麼高那把它切成零股以後也會單位會變成很碎那另外一個就是在交易的實務上面如果你都是用成零股我們"},{"start":7702.068,"end":7721.27,"text":"之前還有很多是用電話還有一些大單有專人在處理的那個用零股去接的話他的工作量還有整個的處理的process會變得很繁瑣那所以我們零股一開始推出來的時候是完全用電子交易就是說你如果是在電子上面Key那交易"},{"start":7721.61,"end":7741.975,"text":"那這個部分我覺得系統就很快就可以去調整也可以調整成一致但是在這個轉換的過程當中我覺得實務上還是要去考慮怎麼去把它轉化讓這個整個的外界都能夠不管是那一種用電話的啦用電腦的或用手機的他們都可以一併來試用"},{"start":7743.295,"end":7760.325,"text":"剛剛林董事長鄭教授林董事長他是說他原則上是贊成但是這個系統的這個轉變的過程中要有很多的準備階段那現在是問這個前提啦彭主委我剛剛這樣講了你聽得懂我的意思嗎我當然理解往這個方向走你們贊不贊成其實"},{"start":7762.026,"end":7790.725,"text":"我剛才講這個方向這樣子我剛才其實兩位董事長提到一個很現實的問題我覺得方向是對的但就是說我們過去長期以來的交易習慣牽涉到非常多的投資人我想系統更改不是困難但是更改以後所產生影響那怎麼樣避免這些的結果會不會產生一些後遺症剛才兩位董事長就說了這整個交易習慣這麼久以後很多人都以千股為單位突然改變以後比如剛才講用電話下單網路下單他以為輸一個數字大概是代表什麼含義"},{"start":7792.086,"end":7814.04,"text":"比較一段的時間去做個調整他們要去做個推演我想這部分就是過去是長遠的交易習慣所累積出來以後要做這個調整需要有點比較仔細的評估所以你們連評估都還沒有評估他們現在在評估那你方向上你贊不贊成我跟你講對標國際的做法是我們一定是未來的方向"},{"start":7814.56,"end":7828.429,"text":"好 那如果這樣的話你們可不可以讓我們了解說你們準備這些東西你們認為時程大概要多久啊好 那我我會請我們政經局跟兩個交易所仔細討論把比較確切的時程再跟委員報告對 因為如果改成"},{"start":7829.656,"end":7848.317,"text":"就是以股為單位那是單位的改變就好像我舉個例子以前是一次算一噸的那我現在改成公斤計價一噸計價跟公斤計價也是千分之一嘛那你以前是一張因為以前就是交易習慣就是"},{"start":7852.053,"end":7868.202,"text":"以前是這樣的教育習慣 現在改成一股為教育 以一股為教育的單位那個衡量的單位改變了 其實我覺得很快應該都可以試運了如果從技術上試 但是我覺得整個社會習慣盤跟錯節 這部分我們要好好仔細"},{"start":7872.384,"end":7873.285,"text":"請兩位董事長先回座"},{"start":7892.874,"end":7905.147,"text":"要請教你喔最近日本的國會議員在討論日本被中國的支付寶入侵很嚴重所以日本又有很多的商家"},{"start":7907.864,"end":7921.776,"text":"當然不是全部 但是有很多商家他只接受電子支付所以現金有一部分的商家不接受現金交易所以這個是問題在日本比我們更嚴重但是既然看到日本開始在討論這個問題我們台灣也得優待之"},{"start":7925.439,"end":7938.128,"text":"你現在用支付寶台灣有在用啊但是你沒有讓他合法落地結果他在用那些的金額的跑都是在中國的金融機構裡面我們完全管制不到欸"},{"start":7939.366,"end":7963.199,"text":"然後他那個聯絡都要再加上微信等於是拖槍野馬我現在聽說洋網軍啊搞一些什麼灰色交易啊都是用這樣的方式在搞這個彭主委你覺得該如何處理呢我想這個讓我們去了解一下他背後的一些的內容我想其實我們對於這些支付的部分我會請銀行局去把那個詳細整個的"},{"start":7964.96,"end":7993.385,"text":"現在是不是先談支中國的這個所謂的支付寶目前台灣是不台灣沒有合法嘛沒有認可吧但是他確實就是在用啦跟委員報告那運用的場景是在跨境支付也就是說今天的會使用到支付寶就是入客來台沒有喔現在台灣的人也在用喔對就是台灣的人如果到大陸去他會被沒有台灣的人在台灣的夜市買東西他有時候也用這個啊"},{"start":7995.031,"end":8004.909,"text":"你有沒有了解 它是一個網站支付只是說這個東西因為沒有透過台灣的金融體系它是透過中國的銀行體系"},{"start":8006.192,"end":8033.385,"text":"我現在在問的是這個因為目前我們就是一般路邊攤這種情況等於是類似特電的一個運用那這種情況都還是使用我們國內的電資國內的電資占大部分我同意國內的電資譬如說這個LiPay這些我們有控管的這個占大部分我現在是跟你講說如果你去市場去夜市你要用支付寶附帳他也收啊"},{"start":8034.565,"end":8060.259,"text":"那你去調查一下就知道啦不然你是支付寶在台灣又沒有合法我想委員的意思是說假設我們國人在大陸他有支付寶的帳戶他在台灣也一樣可以像陸客一樣在支付嘛利用網路啊 說我透過微信啊你這些東西你如果不去注意他他非法的部分他的比例不是那麼大跟日本比起來差很多 但是"},{"start":8061.414,"end":8078.003,"text":"你這個東西有在用的話就是有一個洞在那邊啊你要抓洗錢房子喔他這個根本就是你根本問不到他啊他就在中國的這個金融體系裡面然後他的通訊也是用中國的網路那你怎麼稽查你有沒有辦法我想"},{"start":8078.783,"end":8098.024,"text":"那個跟我們報告可不可以容許我們時間我們先了解一下日本他們在做的關切的內容我們再來比對我們台灣的狀況那類似的情況我們來看看怎麼樣來先了解我覺得台灣有一樣東西我以前諮詢過我是很贊同的就是無論你怎麼樣接受電子支付商家不可以拒絕現金"},{"start":8100.614,"end":8111.92,"text":"這個日本因為有一些商家拒絕現金交易所以這個變成他們的支付就很多必須要依靠電子支付那電子支付是好是壞這有爭論"},{"start":8113.277,"end":8130.371,"text":"我是跟你在這邊再次的強調我的主張就算電子支付很同情的地方也不可以拒絕現金的支付這樣子才能確保我們新台幣的體系是可以穩健繼續強大下去啦好 謝謝你謝謝 謝謝委員好 謝謝 謝謝秉瑞委員那我們現在休息五分鐘"},{"start":8514.85,"end":8518.231,"text":"我們現在恢復開會 下一位資訊委員請嚴寬衡委員主席各位理事官員大家好 主席有請金管會彭主委"},{"start":8536.894,"end":8555.688,"text":"委員好 主委好 主委2025年5月初的時候台鐵在區間車發現了一個400萬元那原來是調查後發現原來是一名越南的外籍移工跟其他三名共犯一起經營的地下揮隊"},{"start":8556.969,"end":8578.081,"text":"那換匯的次數924次然後金額高達2億3千萬這不是一筆小數目那我國合法的匯兌管道分別是銀行、中介公司跟金管會核准的五家專營外籍移工的小額匯兌公司"},{"start":8580.731,"end":8587.699,"text":"我們從數據上面看今晚會核准的這五家揮兌公司在2025年全年交易額是1291億"},{"start":8591.332,"end":8618.378,"text":"乍看之下很多但是你跟這四名這個嫌犯他們四名經營的這個地下換匯就可以高達兩億了所以難以想像說還有多少沒有被你們查到的這個數目有多大這個不用我想我從以前就非常關心這個議題那也詢問過主委要如何改善這樣子的情況但是目前看起來應該是效果還是很有限"},{"start":8619.398,"end":8642.016,"text":"那在這部分的監理應該是還有很大的空間可以進步只是一個案件就有2億那4個人就可以做這樣子的一個規模那我們是否有掌握這個整體目前台灣的整體地下會對的黑市有多龐大主委可以說明一下嗎"},{"start":8643.478,"end":8663.376,"text":"謝謝委員我想在這邊也在呼籲因為我們這個匯兌業務是銀行法的特許事業違反是有非常重的刑責那當然金管會不是一個查緝單位但是我們也在這邊呼籲我們有匯款需要還是走合法的管道"},{"start":8664.295,"end":8682.449,"text":"那這裡當然這部分我們也會跟相關的檢調單位來合作針對這些不法的匯兌然後加強這些的茶器那當然我們也一方面也會考慮到市場所需像我們剛才我們陸續的開放五家外籍義工的匯款公司"},{"start":8683.149,"end":8703.117,"text":"也降低了他們的成本也增加可敬性比如他們都可以用數位的方式用APP就可以做到這些事情我想這部分我們會盡量來努力那犯罪行為當然要靠我們多方面來查緝有沒有想過為什麼移工你會冒險你是要進行這樣的非法換匯他的原因是什麼"},{"start":8705.63,"end":8722.98,"text":"這部分的話我想這個任何應該都是以他自己的比較利益來看當然我們也想說任何一個合法的單位他必須要受到監管我想這部分這個詳細的部分我們請銀行局我們時間有限大概就是他的你說剛剛說的這個"},{"start":8724.901,"end":8749.782,"text":"他的優勢吧就是說相對利益第一個就是費率可能比較好然後手續費比較低然後比較方便嘛就大概是這三種不然的話一般人不會寧願冒著這個犯法違法甚至於被處罰甚至於這些所有辛辛苦苦打工賺的錢結果變成不法的這樣子被凍結所以大概就是這三個問題那還有一個就是說我們"},{"start":8751.304,"end":8776.263,"text":"監管會目前政府的這三個管道來講對移工來講比如說他去銀行換他都要上班啊那他銀行的時間他要上班他怎麼去他沒辦法去嘛那另外請託委託人力仲介公司那人力仲介公司是不是另外要跟他收手續費這部分就變成他的成本嘛那所以這個部分可能就考慮那另外你說手機APP這個部分確實是很方便"},{"start":8777.504,"end":8789.165,"text":"我們認為說這樣子就很方便如果假設台北市是這樣子台中市也一樣六度都一樣如果在偏鄉或者是說在一些比較"},{"start":8790.492,"end":8818.984,"text":"比較遠的一些工業區或者是一些農莊這樣子的情況他可能好幾公里都沒有一個便利店所以這對他們來講就很不方便甚至於說沒有辦法做到所以往往很多這個地方就會有一些非法換貨的業者只要有客群又有錢賺政府又抓不到所以這種東西是沒有辦法根絕所以我想說主委可不可以提出一個具體改善的一個"},{"start":8820.182,"end":8835.791,"text":"譬如說方法還是說一個時程讓移工更還有就是說如何讓移工願意來使用我們政府為他們設計的這樣子一個換匯的一個管道這個才是重點吧那個我請你簡短回應一下"},{"start":8839.003,"end":8854.151,"text":"謝謝委員跟委員報告就是我們為了要讓外籍移工能夠使用更便宜更便利的管道我們的確已經有成立了5家這個外籍移工會的公司那我們過去的調查是這些公司他每一次的這個收的手續費大概是100塊左右"},{"start":8855.231,"end":8868.526,"text":"所以相對來講是很便宜那剛才委員所講的相關的案例就是越南籍的移工那這個部分我們有跟勞動部有比對過相關的資訊平均現在的外籍移工大概他在台灣賺100塊"},{"start":8870.228,"end":8889.947,"text":"匯回他的母國大概80塊到90塊那我們也發現大概像印尼、泰國、菲律賓等等他的確都是透過這五家來把賺的錢匯回去但相對來講越南會比較低的越南籍的移工利用我們這五家外籍移工匯兌匯回去的錢大概是100塊"},{"start":8890.748,"end":8919.411,"text":"他會60塊會透過我們這五家的外籍移工會的公司來做那顯然大概就是有20%到30%的錢他不會走這麼便宜這麼便利的一個管道那就業者回饋的意見是這個有可能也會涉及到母國對於外匯相對來講管制會不會比較嚴也就是說可能我們當地在越南的台商他有錢要匯回來但是不是那麼方便那這個就會有這個法規套利的空間"},{"start":8920.651,"end":8947.649,"text":"對 所以我們都知道原因嘛 對不對所以這減少的那兩成要用什麼樣的方法怎麼勸導 怎麼樣來制度的設計才有辦法讓它都合法 盡量的合法你相對跟印尼跟其他國家比較它有八成 可是你跟印尼跟越南一比就少到那兩成嘛這是你們取得的資訊那至於說還有一些黑數呢還有一些不知道的呢 對不對所以這個部分我想 其實"},{"start":8948.61,"end":8966.837,"text":"制度方法那重點就是說相對利益嘛方便然後手續會低對不對這個就是他們在意了嘛他來就是要賺錢他就是要比較多錢回去所以這個部分我想我們知道了原因那就是找出方法然後設計方法"},{"start":8967.737,"end":8989.813,"text":"所以委員的建議非常的具體啦我想這部分我們來去了解然後看看怎麼樣增加我們這些的便利性跟普及性然後來降低這個我們地下會對的這個誘因是是好謝謝主委那再請教我們這個經管會宣布強化保險業資安要求所以要設置資訊安全長這個"},{"start":8992.414,"end":9007.739,"text":"這個職務那從這個資產規模超過三千億的保險公司就必須設置治安長我想請教主委這個門檻三千億為什麼是三千億五千億還是六千億為什麼是三千億"},{"start":9009.143,"end":9024.177,"text":"因為我想這部分是我們在監理上的經驗我們覺得說其實一個公司如果來到了3000億基本上已經有一定的規模剛開始因為尤其治安的問題越來越重要一開始我們是希望它等於比較是這個"},{"start":9025.819,"end":9045.002,"text":"希望是他自己主動來設那當然我們希望說這部分已經成為金融韌性經營的非常重要的點那我們希望把這個門檻把它往下希望我們這個保險運營能夠強化他的治安啦因為至少有專人專責至少他至少就會更重視這件事情"},{"start":9046.604,"end":9071.897,"text":"對 因為現在大部分都已經高度的數位化這個保險商品都可以透過線上來做投保那也大量使用APP還有這些網站跟各種平台來做這些資料的管理但在後面就是像你剛剛提到的說保護的這些身份資料 財務資訊 保單內容甚至還包含一些醫療紀錄 健康資訊都是屬於極度敏感的一些個人資料"},{"start":9072.677,"end":9097.019,"text":"那如果發生治安事件就不只是一個帳戶的號碼的外洩它可能就是說影響層面很廣後續再衍生出來一些譬如說像是詐騙然後各自的濫用這些都是我們民眾最擔心的所以整體的一個治安防護如何真的有效所以剛剛只有你提到這部分就是要非常注重"},{"start":9098.24,"end":9113.21,"text":"除了設置這個植物之外要如何有沒有定期的做一個資安的集合是由於我們自己金管會來主動的要求還是只是任由業者來自行管理"},{"start":9113.55,"end":9140.841,"text":"沒有我想他們自己在做這個部分他自己就有幾道的防線來做這件事情再來就是我們會有兩個一個就是我們例行性的精簡資安都是重點再來就是我們假設有發生資安事件的時候或疑慮我們就會有專案去做我想這部分除了他自己的內部的內控集合以外還有就是我們外部的監理也會來強化因為資安越來越重要其實我們最近對那個金融經營的韌性這部分的考慮越來越重"},{"start":9141.141,"end":9164.865,"text":"所以希望這個部分他們來強化 外部監理我們就要主動抽查這個部分 對 是做這樣子 還是說再委託第三方沒有 我們現在的話 他們都是由我們自己檢察局跟我們的業務局做這樣的事情好的 謝謝主委 謝謝謝謝林委員 下一位請李崑城委員"},{"start":9173.743,"end":9177.246,"text":"謝謝主席我們請彭主委請今晚會彭主委委員好主委好我剛才聽到很多立法院同仁都很在關心國人在買零股的事情尤其像現在台積電或是說像股王更不用講你一張要動則要百萬以上"},{"start":9200.103,"end":9224.649,"text":"就是零股投資變成這個許多的投資人尤其是對一些年輕人來講它是一個基本上比較容易入門的一個投資的方式那我想請教一下這個主委因為我剛有聽就是說因為我們在買這個零股的時候其實會有時間上面的時間差那你也答應說在一個月之內會就這一個買零股的方式來做一些調整是不是"},{"start":9224.949,"end":9246.344,"text":"就是說我請那個兩個交易所跟政企局去研議說未來在一個月之內告訴說我們未來會打算怎麼來研究這件事情怎麼來進程看能不能有一個比較具體的規劃方向那你支持就是說每個人持領股都是成為這個我們這個護國神山的這一個支持者的一部分"},{"start":9247.032,"end":9258.179,"text":"我想買賣零股是因為有它的原因因為主要現在高價股大部分是沒辦法買起比如說幾個可能千元股我看今天那個股好像是一漲停就是一百萬"},{"start":9259.642,"end":9283.788,"text":"那當然這是一個蠻特別不過我們看國外的股市其實那個高股價的個股是非常的普遍我想這個是因為我們隨著我們的資本市場越來越成長越像國際化市場我剛才講說因為我們不能置外於以前就像以前我們說台灣在過去一直說我們是潛疊型現在我們每天盡量都已經上兆元還說自己潛疊大概也不對啦"},{"start":9284.628,"end":9305.875,"text":"那我們越來越多的國際投資人在投資台灣除了本地的投資人以外我剛才講過資本市場要公平對待所有的交易人我想這部分大概是我們努力的方向但剛才提到就是說我們現實在過去這麼長遠都是以整股交易對不對那這部分整個交易習慣牽涉到券商投資人各種年齡層的投資人還有過去他投資的習慣要改變"},{"start":9306.975,"end":9335.111,"text":"這些都是未來的很多制度轉換需要評估的風險所以這部分我們會責成我們兩個交易所這東西只要是未來很多的制度我們都要進行嚴密的研議就跟以前委員提到說不管這包括像T加1 T加2或是這些交易時間還有包括這個領股交易都是未來我們要邁入國際股市是非常重要去關注的一些的趨勢好 那主委你認為說現在很多這一個許多的投資人"},{"start":9336.813,"end":9345.904,"text":"他就是用買零股的方式,支持國內的不論是何種的產業,當然是以高科技或是AI產業為主,那你認為這個現象正不正常?那你認為這個現象有鼓勵嗎?"},{"start":9353.513,"end":9369.845,"text":"我想資本市場是一個隨著我們環境演化過程當中就是說比如說就以我們最近我們台灣資本市場這過去一年來的表現我們歷經了這些過去歷史上台股歷史上最大的波動幅度"},{"start":9370.686,"end":9388.021,"text":"但是我們也承受了整個市場各位可以看到就是它的表現跟過去非常不一樣各種不同的投資人在不同的階段然後這個投資然後其實上它有各種的行為這是一個成熟市場慢慢所走所以你認為這是成熟市場的一個表現就是說"},{"start":9388.681,"end":9414.451,"text":"我們有各式各樣的參與者就是我們市場上有更多的參與者那實際上他有不同的預期不同的想法讓市場機制充分的發揮這本來就是一個市場應該要有的一個趨勢跟方向那請教一下主委就是說川普他宣布延後川習會一個月因為就是這個越南戰事大概也不知道哪時候會停所以他必須要留在華府"},{"start":9415.291,"end":9432.921,"text":"但是這也表示說有可能這個美伊戰爭至少會持續到一個月以上那這樣子的話呢那金管會對於這一個新的一個趨勢或是說新的一個發展那有做什麼樣的一個準備嗎其實我們不只對這件事情我們對很多事情都有做準備沒有就這件事情因為本來預期可以短時間結束實際拉長了"},{"start":9434.602,"end":9456.441,"text":"其實我們一開始就有各種的劇本,包括很快結束、很慢結束,然後會變成持續的一個常態的狀況所以這個就在你們當初的這個想像的劇本裡面就對了我們不能去猜說這是一定是哪個結果,因為我們對於市場的關注一定是全方面的"},{"start":9457.542,"end":9477.903,"text":"那現在如果時間拉長了,也在你們想像的劇本裡面那怎麼去做因應呢?這個我當然不會在這邊對外說明,但是這些的細節不用拿就等於說我們看還是一樣,一個根本就是最終它還是影響到基本面只是剛開始消息出來會影響到投資人的情緒"},{"start":9479.364,"end":9496.577,"text":"這時候呢假設今天大家就會去消化這樣的訊息比如說剛開始大家預期他很短結結束這時候呢這樣那個波動會呈現什麼樣態我們應該在這個時候是什麼時候判讀是一個正常的狀況還是說是一個已經市場失序我覺得一個資本市場成熟最重要讓他的"},{"start":9497.798,"end":9510.231,"text":"這個市場機制能夠充分的發揮不要有任何其他非理性因素介入這時候我們就想說在這個情況會產生什麼非理性因素我們該怎麼樣去預防這兩週的台股有點像坐雲霄飛車啊暴漲又暴跌"},{"start":9513.715,"end":9533.385,"text":"但是委員也慢慢注意到很多的消息如果說一直這樣因為我們資本市場會預先消化未來的訊息當一樣的訊息重複出現的時候它某種程度在前面已經反映過了所以除非是新的訊息我想這個大概就是一個資本市場我想像這麼大的一個事件"},{"start":9534.005,"end":9560.448,"text":"那我們全球的股市比如說台灣從開始那你說那像比如說台股這禮拜表現你認為說是對於這個戰爭的這個消息面的這一個反應稍微鈍化了嗎其實他就是消化已經現在的訊息我覺得現在台灣的資本市場投資人已經有能力去消化各式各樣訊息只要你給他一個充分的資訊跟時間但是我們也擔心的比如說像台積電這種比較大的權值股會成為這個外資的提款機啊"},{"start":9561.228,"end":9579.702,"text":"我想主要是因為台積電這種世界級的公司已經成為國際各種資金不可或缺的標的這個進進出出跟比如說看壞看好其實已經已經不能用這個角度來看基本面當然是沒問題大概都是消息面的問題我想各種的資金比如說你是一個"},{"start":9580.743,"end":9596.161,"text":"共同基金或是這些基金你本來就有一個結帳這些東西本來他進出買賣本來就非常正常那我們只是看說以現在的體量以現在的情況還有像國際整個經濟情勢來看的話都在預期的範圍之內啊都在預期的範圍之內"},{"start":9597.622,"end":9614.065,"text":"那請教一下這個虛擬資產服務法這個會期應該會送到立法院來做審查嗎如果正常的按照程序因為行政院已經完成審查就尊重行政院整個的程序那現在就是會把這個VASP跟這個穩定幣會納入這個納管就對了嗎對 開始有法源那請教主一個問題就是說"},{"start":9621.927,"end":9646.684,"text":"現在這個金管會對於這個穩定幣運用於這個供應鏈還有跨境支付的一個態度因為現在就是說有很多這個台商他們可能是跟國外做生意但是他們可能是收到這個穩定幣他們可能是收到美元的穩定幣然後呢他們如果想要來這個把錢再匯回台灣的時候有面臨到國內的銀行不收還有會計帳如何認列的問題是不是第一個這有兩個問題一個就是說我們也請我們這個"},{"start":9654.228,"end":9666.191,"text":"目前是不是已經有發生這些問題?就是會計的處理現在確實還要再來做釐清比如說如何計算它的價值跟損益如何認定這個確實是那再來就剛才講國際會對的部分其實我們從其他國家的"},{"start":9672.332,"end":9690.79,"text":"經驗裡面其實這個鏈上的交易呢常常不需要透過這個正式的管道比如說你我之間你願意接受這個東西我們錢包就直接對付當然假設要由金融機構來做一個比如說保管承載這種東西確實是需要有個我們的許可"},{"start":9692.071,"end":9706.589,"text":"跟那個制度的跟上這些都是未來都會把它補上就像我們現在開始在推動銀行在做那個虛擬資產保管業務這個就是個非常重要的點讓我們的銀行有辦法去承接像這個跟虛擬資產世界裡面做個連結所以這些問題要等到我們這一個專法"},{"start":9709.733,"end":9721.143,"text":"這個部分的話我們大概都先在做準備但真的真的要真的具有法律上的實施的效率還是要等到法律但是這種準備不能等到出來才開始再做準備因為現在問題就已經有產生了"},{"start":9723.927,"end":9747.101,"text":"那你們的態度呢?對於這個運用於這個穩定幣運用於供應鏈還有跨境支付的一個你們的目前的一個態度沒有問題喔 既然我們政策上已經決定未來要要有穩定幣的這樣一個市場那我們當然就要考慮它的出路這些出路呢 我們也會緊隨著國際上面他們現在做的比較安全的做法我們也會跟上好"},{"start":9748.567,"end":9761.476,"text":"那再請教一下現在這個境外發行這個穩定幣比如說在現在最大的就是這個USDC還有這個USDT那可是"},{"start":9762.315,"end":9791.753,"text":"他們是不是因為他們是在美國管理沒有經過台灣那如果說我們是要求他們有對他們來台灣來做買賣的話是有什麼樣的一個監管的機制在嗎我想是這樣就是未來我們的心理資產服務法裡面假設你要在那邊鑄造像台灣人不特定對象發行的話這時候就要經過我們的特許另外你在國際上已經發行的假設你要在我們的未來的那個VASP的交易平台交易的話要經過我們的許可"},{"start":9792.883,"end":9817.417,"text":"可是 譬如說這兩個字最大啊它目前沒有經過我們的許可嘛 對不對對 現在的話 未來就是它經過就是說應該講 它你許可設為是它已經在國際上流通對但是比如說你要未來在我們的合規的交易所交易的這些的標的都要經過我們的許可跟同意好 OK 好 謝謝主席 謝謝主委好 謝謝李委員再下來請林思明委員質詢"},{"start":9824.861,"end":9848.272,"text":"好 謝謝主席 請金管會主委 請彭主委主委早 想第一個問題來請教你中東這個戰爭情勢對我們股市的影響想面對我們不知何時會結束的中東的戰爭尤其面臨國際海運的要道 荷姆斯海峽被封鎖"},{"start":9849.412,"end":9870.912,"text":"所有的運油運氣的這些油輪出入都受到影響所以國際油價是持續在攀升我們看到昨天國際油價攀升的情況紐約商品交易所西德州的終極原油4月的交割價上漲2.9%報價每桶是96.21美元"},{"start":9875.856,"end":9893.915,"text":"那個敦北海布倫特原油五月交割價上漲3.2%收在每桶103.42美元穩居100美元以上那我們看到目前我們政府對於油價的採取的這個措施是動漲"},{"start":9895.376,"end":9910.061,"text":"但是這只是短期的因應做法中長期我們面對國際能源價格的壓力將來高機率會補漲回來各產業的生產成本一定會增加面對消費者物價指數的影響"},{"start":9911.962,"end":9929.499,"text":"主計總署昨天也保守的估計會影響0.24個百分點那我們看到政期局副局長黃仲豪在3月12日指出將會秉持安全透明公平的三個原則及尊重市場機制來監控市場"},{"start":9930.836,"end":9959.435,"text":"那我們來面對未來生產成本的上漲但消費力道可能減弱各個產業的獲利也可能降低啊金管會你是否有預見這樣一個情況對於未來股市的前景會有怎麼樣的影響金管會是否有任何的因應的備案除了秉持我們這個所謂的安全透明公平三個原則以及尊重市場的機制我們這樣子能夠足夠面對未來的一個情勢的變化嗎"},{"start":9960.776,"end":9964.538,"text":"其實在過去資本市長在過去這一年以來從4月2號關稅開始到現在還有加上這個地緣政治衝突包括這一次其實上都帶來對我們資本市場很大的影響"},{"start":9982.785,"end":10005.06,"text":"那每一次的情況不一樣有些可能很快就結束那這個東西對我們長期經濟的影響就比較比較明確的就落底確定我想資本市場最怕的就是不確定因素那只要任何不確定因素呢就影響投資人的預期這個預期呢就是等於說我們市場機制來做一個消化跟判斷"},{"start":10006.722,"end":10034.341,"text":"主委我打斷一下你現在講得非常正確因為這一次的這個美伊戰爭可能就是何時會結束就是處在一個不確定的狀態所以對於未來股市的影響它的力道多大那我們金管會或者是政局局有沒有做過什麼預估除了剛才講的這三個所謂的秉持安全透明公平的原則以及尊重市場機制"},{"start":10036.202,"end":10046.813,"text":"這三個原則以外金管會還有其他的因應措施嗎我想說這因應措施不會因為這件事情而來但是就是說我們會因為這件事情來檢視我們對於這個應對的方式前面委員問到就是說"},{"start":10052.378,"end":10072.66,"text":"以這次事件來看比較樂觀很多人說他很快就結束了就跟前一次的以疫衝突一樣第二次可能他會拖著就跟像美國宣稱的大概四個禮拜一個月左右這些短期、中期、長期都有相關的因應的一個措施"},{"start":10073.18,"end":10090.218,"text":"因為這些都是因比如說它如果持續下去那果是什麼那果就是說因為資本市場遲早要反映它基本面就剛剛委員提到就是說假設油價持續如果短期性的話很快就消耗掉就沒了但是如果持續下去成本會增加就剛剛提到主席總書記"},{"start":10092.18,"end":10116.557,"text":"雖然我們今年預估7.71可能超過100塊以上就會對於未來產生多覽影響那當然也會影響到未來上市櫃公司他們營收的這樣成本會增加我們投資人就會去反映他未來對這個東西的預期會反映在資本市場上我想這個部分各種的情境我們都有做過設想以及相關要怎麼樣的因應"},{"start":10117.955,"end":10143.796,"text":"是 那個主委是否我們應該強化市場的監理與異常交易的監控如果股市萬一波動很大的話這個異常交易你們是不是要加強監控還有第二個你們是不是要穩定市場的信心啊這當然 我剛剛講說我覺得除了剛才三個原則以外我想這些部分你們都應該要去做啦而且我們要強化上市櫃公司資訊的揭露嘛"},{"start":10144.536,"end":10163.135,"text":"讓投資人知道整個重大成本的變動及時揭露給我們投資人我們會請交易所 比如說這時候我們會充分的揭露各種的財業物狀況就像我們前面委員提到的培育指數這個都會做"},{"start":10166.778,"end":10186.745,"text":"那另外主委今年我們詐騙集團我們看到詐騙集團大量利用無卡提款進行車手的提款與金流的轉移造成我們民眾重大的財產損失我想無卡提款雖然提供便利但也成為詐騙集團提款的重要管道"},{"start":10187.705,"end":10203.558,"text":"所以金款會是否會要求銀行降低這些無卡提款的限額建立異常提款的延遲機制並導入AI金流監控並與警方建立即時的通報機制以有效防堵這些詐騙的金流"},{"start":10206.141,"end":10210.343,"text":"我們有持續在跟委員報告因為詐騙的手法不斷的翻新但是呢我們會很快的根據這個做經驗的分享就比如說我們現在銀行公會裡面有個防詐委員會我們也責成他"},{"start":10226.71,"end":10251.405,"text":"要針對任何的新的東西要趕快的去做經驗的分享這部分提供一些比如說主詐的作為我想剛才講的都是我們現在日常都在做其實我們現在看到無卡提款它的一個手法它的手法就是詐騙集團它透過手機取得無卡提款的這個密碼那車手就到ATM快速提領現金"},{"start":10253.266,"end":10275.763,"text":"就是不需要提款卡他取款的速度就很快嘛車手也難以追查嘛所以成為詐騙集團常用的一個提款方式嘛所以面對這種這個本來給大家便利的結果詐騙集團利用這樣的一個無卡提款的一個便利性成為詐騙的一個方式一個手段嘛所以這種新興的詐騙手段"},{"start":10277.344,"end":10300.594,"text":"那金管會你們未來要如何的去防堵其實我們現在初步是這樣因為像這種無卡提款的便利越便利的話越容易做的這樣我們現在是請他訂一個上限像比如說我們看到有些銀行是每筆頂多兩萬一天就三萬塊當然這個就是只有治標沒治本但是我們就說針對各種不同型態我們有因應再來看看這個作為"},{"start":10301.955,"end":10319.811,"text":"會不會有什麼樣的一個問題有沒有有效性既然有人利用這個東西我們就會把它主委我這樣啦本席提出一個要求就是對於這種新型態的犯罪手法監管會是否能夠研擬一個有效防止的一個手段或者方法"},{"start":10320.591,"end":10342.531,"text":"針對無卡提款的部分來研擬一個有效的抑制的方案那請就可不可以在兩個禮拜內提供給凱西以及我們這個財委會剛剛局長跟我講這個已經請工會在研議了我想說就是按照時間內容我再提供給委員很快可以提出來"},{"start":10344.54,"end":10360.908,"text":"另外這個最後一個問題啊 主委我們看到最近媒體報導從2024年到現在我們不到65歲的組長級的以上人員有10個人提前退休或轉職而且是跨局處包含檢察局銀行局以及政區局"},{"start":10362.508,"end":10383.802,"text":"請問主委,這樣大量的人事異動,你認為主要的原因是什麼?我想有一個很有趣的問題就是我們的退府制度以去年12月31日為例,假設你是大概60年次以內的同仁如果你沒有在去年12月31日退的話,你必須要等到60歲才能夠領"},{"start":10385.485,"end":10408.157,"text":"這個月退這樣讓很多的同仁他重新考慮他的職涯是那這個是我們退補的影響那另外一個是這個他本來在他人生規劃就沒有做到65歲他就提前可能在半年或一年前退休這種東西其實所以說你認為是因為我覺得媒體在報導這個東西把所有各種不同的狀況這樣做"},{"start":10409.178,"end":10421.584,"text":"你有注意到媒體的報導都是我的好同事們我當然有注意到所以我覺得這個東西用單純數量的相加就得到一個結論其實我想這是主要的因素是因為包含過勞與職業來失落所致"},{"start":10429.068,"end":10444.689,"text":"他們很具體的認為敘述的原因是說我們許多的職員或主管花費許多的時間在像是做粉專的發文應付大任的會議整理懶人包等等"},{"start":10446.314,"end":10472.16,"text":"所以這些因素是不是導致他們離職的主要因素因為我自己在過去也是基層公務員起來那雖然在學校教書二十幾年再過來我覺得現在我必須替所有的公務同仁們講一句話確實現在的工作確實挑戰很大那我覺得大家都是靠著一股熱忱跟這些在我想這個不是主要的原因我想主要是整個"},{"start":10472.62,"end":10492.896,"text":"那我也做一個要求就希望金管會在一個月之內提出完整的我們人才流失報告的檢討還有我們流財與改革的具體方案我想這沒問題但是我在這邊澄清金管會這部分我們現在你要提報告我們意見但是你要求他們做那麼多的報告就是他們工作身家的原因"},{"start":10493.596,"end":10512.747,"text":"不會啦 這個很簡單啦就只會把剛才葛柔講的這個具體的提出來我想還是要有所要求啦我想藉這個機會我也給所有金管會同仁跟我們周邊單位加油打氣我們不會因為受到這邊報導而影響我想大部分我們還是盡心盡力全力衝刺努力謝謝林志明委員下一位請葉元之委員"},{"start":10531.936,"end":10535.294,"text":"主席好 先慢慢請金管會主委請金管會彭主委"},{"start":10539.426,"end":10566.695,"text":"喂好昨天好像問一下有關於關稅談判對於金融的影響那雖然說對等關稅川普的那個ART對等關稅已經被大法官宣布是違憲但是我看我們政府是講說之前談的有關於232的部分的條件都還要繼續嘛232要繼續那當時的條件是說企業直接投資去美國2500億美金另外就是"},{"start":10567.861,"end":10574.347,"text":"我們看政府的講法是說還有2500億的信用額度我想先確認一個資訊這個2500億美元的信用擔保額度是上限還是至少2500億美元"},{"start":10585.095,"end":10608.434,"text":"那個是他們談判據我所知因為這主政是國發會啦那我們只是配合去真的提供我們現在融資保證機制現有的融資保證機制的相關的工作方式所以這你不確定嘛對不對沒有這是因為國發會你看國發會是說他要找金管會、經濟部、財政部一起來討論怎麼建立一個專案的信保機制所以理論上金管會應該要參與討論那國發會怎麼跟大家講的"},{"start":10611.937,"end":10639.137,"text":"到底這兩千五百億美元是上限還是至少兩千五百億的額度額度對就是確定兩千五百億額度一定要達到嘛就是他要提供這樣一個促進的基礎那所以換言之啊這兩千五百億美元應該是至少要兩千五百億美元他就不是上限因為上限的感覺是說我政府只要提供五百億也可以啊因為上限量我沒有超過上限就好一千億也可以啊都符合這個條件嘛"},{"start":10639.577,"end":10667.662,"text":"就是我們一個信保機制本來就有它的一個規模這個規模就是2500億可是這個主委我給你看一個這個是1月多當時簽MOU的時候美國商業部他們發的新聞稿它裡面有提到在直接投資就是至少2500億美金還有另外一個額外投資額外投資就是台灣要提供at least至少2500億美金的信用擔保"},{"start":10668.823,"end":10685.423,"text":"所以是2500億以上不是說要提供上限2500億所以我不太懂為什麼美國商業部發布的新聞資料有關於MOU的內容和台灣講的不一樣也有可能是美國錯啦我不知道啦但是這個資訊就不對嘛"},{"start":10687.25,"end":10702.922,"text":"那資訊不對但是你現在接收到的訊息是說應該就是2500億的規模不是說至少嘛但是我現在要講一件事情因為現在這個跟以前的中小企業的信用基金不太一樣嘛它現在是說由國發會"},{"start":10705.029,"end":10723.285,"text":"的專案召集大家然後要成立一個62.5美金到100億美金的這樣一個規模然後再加上乘數譬如說保證倍數是15到20倍等等等等等等希望能夠達到美國的要求但是有沒有可能出現一個狀況"},{"start":10724.636,"end":10751.012,"text":"就是比如說體質比較良好的企業像台積電還有其他資中訊產業他們要去根本也不太需要信用擔保嘛因為他們本來自己就信用擔保就很好根本不用活花金金政府擔保甚至他可以直接發債也可以自己直接就可以了嘛那有一些公司也許他沒辦法提出擔保品然後可能銀行也不願意直接貸款給他他就比較需要用到這個信用擔保沒錯吧對那在這種情況之下"},{"start":10752.532,"end":10771.342,"text":"會來申請的可能就是風險比較高的企業然後本來如果沒有保證美國一定要到這個額度的話那銀行就可以看狀況政府可以看狀況我覺得有投資的潛力可能會賺錢我就給他沒有我就不給嘛大家可以再商言商但現在是美國要求一定要達到這個規模"},{"start":10772.423,"end":10797.382,"text":"啊我們就有壓力啊如果沒有到這個規模怎麼辦所以到時候一些企業看起來風險很高看起來也不會賺錢但我們因為已經承諾美國了所以呢拜託你來跟我貸款好不好我給你信用代保就拜託他就是變成要達到這個規模那這個就增加了很多政府的口號機的風險還有這個因為這個也會你們也會邀請公股銀行跟民營的銀行來參加嘛"},{"start":10798.883,"end":10819.373,"text":"所以也會增加公共銀行跟民營銀行的風險所以有沒有可能會有這個狀況那金管會有沒有在這方面有沒有提出什麼因應之道其實就跟委員報告非常抱歉啦這個剛剛提到都是我們沒辦法幫國發會跟您說明它的規劃的方向但是我們這邊可是你有沒有提出我剛剛講的這種風險因為這個是會對銀行產生影響嘛我們主要是"},{"start":10821.974,"end":10846.001,"text":"提供我們過去在信保基金裡面的運作的方法以及對於這個信保的乘數這些的運作的模式提供一些專業的建議給他們那至於說政治的規劃包括關股的出資也是財政部在負責我想這部分是政府通力合作我們儘管會盡我們所做的事情剛剛委員問的問題我都沒辦法帶那個我會問你是因為你是管銀行的嗎"},{"start":10846.661,"end":10864.45,"text":"那如果你也覺得我剛剛講的那個風險有存在那難道不應該站在銀行的主管機關的立場參與這個會議的時候也可以提出這樣的意見嗎主動積極做事嘛而不是說他叫你幹嘛你就幹嘛嘛那當然我只是說剛才委員問的問題都不是我能夠代為回答的問題啦"},{"start":10866.371,"end":10876.704,"text":"我是希望你可以提出這樣的我是希望你可以站在風險的考量提供一個建議跟解決之道啦當然當然謝謝謝謝委員接下來請王世堅委員質詢"},{"start":10893.018,"end":10897.642,"text":"謝謝主席我請我們金管會彭主委請金管會彭主委主委辛苦了我很高興看到有一個資料就是說我們長期在講的我們國內受險資金70%去購買海外的債券跟基金那這些的兩大風險一個戰爭一個匯率這兩個風險我們都遇到了"},{"start":10921.52,"end":10949.872,"text":"那我們很高興看到這個數字就是說我們現在從70%到現在最新的數字已經調降到67.48%結果我才剛高興我想說那是不是我們吸引了2.5%左右的資金把他們叫回我們台灣啦參與我們國家的重大建設公共工程等等結果竟然不是啦"},{"start":10950.635,"end":10960.064,"text":"有授權公司離開了帶回來有帶一些回來確實是可是來到67.48竟然是因為匯率還有因為會計準則就是資產從分類就是這個IFRS17這個準則改變"},{"start":10972.91,"end":10987.306,"text":"所以才去降到這個樣子也就是說我們努力跟受險業者呼籲請他們回來的這一個部分事實上還是沒有達到"},{"start":10988.487,"end":11009.548,"text":"目標也就是希望他們回來參與我們國家的公共建設那大家表示說對我們國家有信心嘛而且讓我們國家的重大建設基礎建設可以加速加快所以我們也一直要求說是不是放寬這些標準那你們有把投資"},{"start":11012.372,"end":11025.772,"text":"門檻這個你們有放寬那也有降低了這個風險係數這些都有做可是成果還不是很好所以我才回來想到一個問題就是說是不是"},{"start":11026.773,"end":11047.788,"text":"我們國內這些基礎建設 公共建設包括其他的VOT啦 初餐這些案件 是不是我們的案源不夠我們的案源數不夠 案量不夠所以這一個部分我希望說金管委員 因為你主旗責 所以是不是"},{"start":11048.749,"end":11063.017,"text":"你查了以後應該跟相關各部會去推動說希望他們能夠趕快去增加這些案源案量比方說交通部的交通的債券啊"},{"start":11064.157,"end":11085.675,"text":"這些都可以做交通最多這一些部分可以做的因為交通未來通了以後它自償性那麼高嘛不是這樣嗎不管是公路鐵路捷運自償性那麼高是不是按原按量的這個部分你有責任要去請各部位來配合協調因為現在啊"},{"start":11086.275,"end":11102.501,"text":"我們這個上限說讓他們回來讓他們可以加入公共建設這個我們的上限有3到5兆這麼高但是歷年來加起來受選院回來的資金參與投入公共建設的才1000億"},{"start":11107.304,"end":11118.281,"text":"現在我們的目標的上限3兆到5兆有非常大的一個距離所以你看法呢 你有沒有預估怎麼樣多少的時間可以在這個部分補足"},{"start":11120.039,"end":11144.929,"text":"實現委員 委員關心這個議題也是我們現在政策的方向因為其實受險業它長期的資產負債必別不匹配這是導致它長期風險的來源剛剛委員也提到所以我們其實剛剛委員看到那個數字除了剛剛講快遞調整以外我們也確實看到金額 國外投資的金額也在下降這是個好現象就是說我們過去一直都是那個都是一直往上走"},{"start":11145.649,"end":11159.434,"text":"現在開始往下 雖然是等於說那個比例的部分已經沒有再往上增加了我想這是一個很好的開始再來就是我們投入國內需要一段時間 比如說剛剛講工建"},{"start":11161.235,"end":11180.149,"text":"通常要一段時間的準備這件事情我們也非常的就讓我們的受險業也參與在我們這次的兆元投資方案裡面剛才這個各個評論如果我有注意到現在很多保險公司已經開始關注到國內很多相關的投資的這些的這些的方案"},{"start":11181.529,"end":11201.458,"text":"再來就是他們在投資國內資本市場也在增加我想這部分是一個從好的方向去走就像剛剛那個數據我們看到那個國外投資已經開始往下等於說比例開始往下翻轉我們會持續來做這件事情第一個至少跟我們報告很多次至少你現在新收的新錢"},{"start":11202.699,"end":11226.566,"text":"要能夠盡量留在台灣你已經投出去有它一定的投組的壓力那不見得立刻要撤回來但是你新的錢每年會增加一到兩兆的新錢你就可以來在台灣來投那這樣慢慢的就可以這個錢呢這一點我看可能要再更大的力氣花在這一個部分新的他們就不要出去啦舊的就回來我們擴大這些範圍嘛"},{"start":11228.226,"end":11251.214,"text":"比如說出產條例不只VOT啊你像VOO ROT VTO這些我們都應該擴大這個層面讓他們只要回來就好甚至我認為都更的案件啊這些都是老屋更新這些這樣子的案件其實都可以擴大他們適用的範圍嘛"},{"start":11253.695,"end":11265.941,"text":"其實你既然講到授選這一個部分還有一個大的問題我們最近接獲很多民眾這一兩年來很多民眾的陳情授選公司他們開始"},{"start":11269.002,"end":11296.482,"text":"比較對民眾保護有利的案子這個新的案件他們不賣新的過去舊的商品比較對保護有利的他們可以不賣因為我們保險法也有規定授權公司確實他有權利他可以停賣這是他們的權利沒錯但是我們現在金管會也配合他們做一個叫利便型的保單"},{"start":11297.543,"end":11316.279,"text":"那其實我們費率這個應該符合這個氏族性合理性公平性但是在這氏族性合理性公平性之下我們現在用的所謂的雙軌制這一個部分我覺得有點傾向"},{"start":11318.015,"end":11345.161,"text":"甚至過度傾向對於保險公司對他們有利我們說要保證續保但是我們同意他調高保費那這個就是過度傾向保險公司因為保險公司他們本來就可以停售所以他們是強勢保護是弱勢也就是說對保護真正有利的比方說像醫療險"},{"start":11347.037,"end":11373.31,"text":"現在我調了一下說最近民眾投訴的案例我們光去年去年去年一年對於國內21家授權公司對他們申訴投訴的案件竟然高達7000件而且這7000件裡面最多的爭議的就是必要性的醫療"},{"start":11375.32,"end":11391.559,"text":"還有手術的認定當然這也牽涉到理賠金額的認定那這一些部分啊我認為在這個部分有過度傾斜啦也就是說保險公司仗勢著他的強勢"},{"start":11393.517,"end":11418.067,"text":"他可以停保你那你要買就買哪幾種這些都是利率可以變動的所以我認為這樣子過度傾向保險公司這個部分我們應該去做一些調整事實上受險業即便去年有遭遇到匯率跟戰爭這兩個大風險一個俄國的我們買的那一千三百多億那個確實他們風險"},{"start":11420.512,"end":11432.685,"text":"那這個匯率這個因為跟美國談判的這個匯率的這個波動但是即便這樣這十年來啊受險公司的獲利"},{"start":11434.757,"end":11453.022,"text":"除了有三年是以百億來算的除了三年是百億算有一年946億一年793億一年355億其他七年啊都是上千億啦都上千億最高的一年我講2021年他就賺了2400億"},{"start":11457.353,"end":11471.269,"text":"這麼高的利潤喔那去年即便去年我剛剛講說去年那個有遇到這樣的匯率的風險去年他們也只是損益來啦只是小賺"},{"start":11472.813,"end":11487.671,"text":"也沒有虧到太多啊所以我認為如果以長時期來看壽險業依然是第一個它是民眾社會重要的需求第二點它應該有社會"},{"start":11489.653,"end":11507.595,"text":"的安定性這個保障性公義性這個是成立授權我們允許他們成立授權允許他們收取那麼多保費我們對他們要求的他們起碼應該盡到的基本的社會責任嘛他們不能"},{"start":11509.082,"end":11537.674,"text":"那個保險戶不能置消費者於不顧只能說朝他們自己有利的方向去講因為十年來看到了他們還是大量的獲益所以在這一個部分我希望說這個金管我們多加點油啦那申訴的案件確實太高了而且申訴的你看你多數去翻閱這些申訴的理由民眾的內容都是"},{"start":11538.334,"end":11552.324,"text":"都是孤苦無依需要保險的大眾們他們碰到了碰到了疾病碰到了手術碰到了當初他們保險所需要要買到的保障結果"},{"start":11554.245,"end":11573.82,"text":"讓他們大失所望所以才會有這麼高這麼多的爭議案件所以那個彭主委認眾道遠啦我對你基本上我是非常肯定謝謝我認為你有學者的風範那你也有對理想一定的堅持但是在面對"},{"start":11575.021,"end":11591.828,"text":"受險業這些金融龐然大物的時候我們要更堅定你要堅定才有辦法帶領你屬下你們金管會你們的保險局銀行局他們才有辦法更堅定去執行好不好好謝謝謝委員的勉勵謝謝接下來請鍾嘉斌委員質詢"},{"start":11610.223,"end":11618.326,"text":"主席在場委員先見 業績重新上場官員會場工作夥伴媒體資訊先生有請我們金管會彭主委請金管會彭主委委員好主委好來 看到這個新聞標題最大LNG 下一頁來源國卡達停產網路上一堆訊息認知站說糟糕要斷氣了你會擔心嗎 你看到這樣的新聞雖然這不是你的夜館會擔心這樣影響我國的能源安全及儲備嗎"},{"start":11638.835,"end":11658.114,"text":"但是因為我有參加行政院的那個討論我不擔心是但是所以這邊要告訴大家很多民眾因為沒有參加行政院的討論所以會擔心所以我認為這不是經濟部的事情是整個行政院各部會對於我國的包括能源安全的儲備都要協助宣傳同意嗎"},{"start":11660.019,"end":11683.494,"text":"所以就像我們的金融安全也需要其他部位來協助一樣好往下看但是我們金管會看到了這樣的新聞說金融商業對中東曝險新高您覺得2.35兆金管會緊盯中東的曝險衝擊可以控制嗎我想就以我們現在掌握他投資的標的應該還在我們的認為可控的範圍之內很好但是為什麼我們往下看為什麼我們"},{"start":11684.395,"end":11695.174,"text":"在國外的曝險這麼多我看到一個數字大概都將近30兆有什麼方式來減少我們這些金融業包括國民的超額儲蓄在海外投資曝險"},{"start":11696.431,"end":11713.767,"text":"當然就是我們想方設法希望優化台灣的投資環境跟標的吸引我們這些資金能夠留在台灣像畫面上說的造源投資國家發展方案這些都是我們公共設施都是我們可以來做的對不對是的那這些要怎麼樣吸引國內的資金來呢"},{"start":11714.674,"end":11731.638,"text":"當然就是要把他就等於說這個產品能夠盡量能夠如果增加心理授權資金要符合他的資金的性質啦還有就是說能夠找到合適他的標的然後還要有誘因對不對我剛剛說的我們的金控集團海外從27兆到現在29兆"},{"start":11734.178,"end":11751.91,"text":"那是因為沒有合適的標的還是法令上不足我覺得這要討論那我知道我們金管會一直希望能夠在法令上協助那至於其他部會在創造適合的投資標的要去努力那您覺得這個法令的推動有沒有辦法繼續的加強我們討論這個很久了嘛"},{"start":11753.271,"end":11769.586,"text":"因為台灣確實很多地方需要很多的建設台灣又是有錢只是它現在最大的挑戰國外有很多非常容易投資的工具所以說這個相對應之下國內真的要好好的我們真的除了"},{"start":11770.507,"end":11797.979,"text":"標的本身誘因很重要就是整個保險業從長期風險的角度來看他應該要從更長遠的角度來決定他未來的資產配置簡單講法規跟誘因金管會來想辦法投資標的其他部位包括經濟部來想辦法我介紹一個其他部位要管的就是無人載具過去我們立法院發起了這樣一個聯盟過去我們促參法當中也有四個版本的提案提出來那或許大家很奇怪"},{"start":11798.459,"end":11817.962,"text":"無人載具無人機聽起來不是軍工產業嗎不是打仗才需要的嗎有哪些公共設施需要民間投資呢主委你會不會有這樣的疑惑好來我解釋給你聽就是說其實無人機在農業物流醫療測惠跟交通最大的優勢是什麼有人說是人力成本其實就是什麼它可以執行高危險的任務"},{"start":11819.116,"end":11847.226,"text":"無人機為什麼會那麼常在軍事上先用因為無人機用得再多不會有人命的傷亡所以你可以用工業製造去取代你國內的人口的消耗所以現在的戰爭大量使用無人機就是因為沒有人那沒有人的無人載具還可以用在哪裡呢往下看往下對往上來其實就是無人貨運現在航空業的貨運成本最貴的是什麼你知道嗎"},{"start":11849.404,"end":11858.152,"text":"駕駛員跟燃油貨機上最貴的貨物不是那些晶片是那個駕駛員駕駛員會有疲勞駕駛員的薪水駕駛員可能會罷工"},{"start":11861.343,"end":11880.884,"text":"但是另外無人貨運它的一個限制就是什麼?載重量你知道現在大型的無人機可以飛多遠嗎?應該幾千公里吧沒有錯,伊朗的艦艇型可以飛一千多公里台灣到菲律賓有沒有一千多公里?不需要,大概三百公里就可以來回你有沒有聽過郭志輝部長說的境外關內?有"},{"start":11882.085,"end":11903.215,"text":"有沒有聽過台灣的北呂宋南台灣我們的經貿特區有那麼這個經貿特區要生產什麼呢你有沒有聽過特斯拉自動化汽車工廠它的輸送帶有多長3公里3公里可以在一個大的汽車裝備廠進行你可以想像一個300公里的裝配線的輸送帶嗎"},{"start":11905.551,"end":11928.194,"text":"300公里的輸送帶的裝配線他就是用無人貨機在台灣南台灣跟北屬中間不斷的穿梭24小時不間斷運送這些過去台灣要送到越南送到中國的這些零組件在那個地方在越南或者說現在改到菲律賓組裝生產後可以銷往其他的世界市場這樣你有想像了我們看一下這就是未來的無人貨運"},{"start":11930.197,"end":11955.648,"text":"那這些需要什麼 往前跳一頁這些的無人貨運就需要這些的公共設施這些的公共設施值得投資的往下看再往下看所以投資的標的法規適合完善有沒有已經完成三讀了我們在一一三年的三月已經黨團協商了未來有沒有預期這是投資標的的部分那法規跟誘因的部分金管會有沒有把握在近期內可以把它完成"},{"start":11956.428,"end":11981.506,"text":"我想我們大概就是有關剛委員提到我們的投進投顧法修正就我們常講REITs的修正這部分當然會帶來很多因為剛委員講說其實比如受請業資金他還是不適合直接投資在那個事業的我瞭解我說法規的部分有沒有夠完善了還差最後一里路嘛對對對就是標的主要是標的標的我幫你講但是這些法規跟誘因法規的部分金管委什麼時候可以把它"},{"start":11982.438,"end":11999.296,"text":"推動完畢我們也很期待說這個這部法律通過以後可以讓我們再有比如說刑訴標的的樣態能夠更多元更有效率這樣所以法規還是要趕快完成我們執法都有在準備最後因為主席站起來了"},{"start":12000.356,"end":12026.57,"text":"這幾個問題就麻煩您如果不動產投資信託基金合併小股東學院如果保障如果避免不動產投資信託基金清算下市影響小股東權益以及如果避免發行人將不良資產賣給不動產投資信託基金等等這就是現存市場上的問題我們希望未來金管會能夠針對問題在法定制度完備後能夠幫助實務上來推動可以嗎就這些問題來提供給本席好不好沒問題謝謝一個月嗎可以好謝謝謝謝主席謝謝"},{"start":12029.377,"end":12031.658,"text":"接下來請謝依鳳委員質詢謝謝主席我想要請我們彭主委請金管會彭主委謝文豪彭主委請教一下現在中東衝突伊朗以色列我們金融機構曝險大概多少"},{"start":12057.614,"end":12070.715,"text":"大概2.3兆左右2.3兆是不是加其他的海灣國家嗎就是我們所謂的這次受到波及這個區域大概主要是保險公司跟銀行的曝險"},{"start":12072.119,"end":12098.747,"text":"所以你看在中東的資金這麼多尤其是杜拜現在也在發展金融中心就有這樣子的一個衝突你有沒有什麼具體的措施因為畢竟台灣在發展亞資中心你有什麼具體的措施能夠讓這些資金回到台灣這也是一個很好的時點 是不是是的"},{"start":12101.528,"end":12121.241,"text":"就是說當然我覺得任何一個國際重大事件都會擾動那個均衡那從過去很多事件裡面我們看到就是資金的移動會根據這個地緣政治去做一些影響這部分也是讓我們看到有些假設這樣機會就是其實很根本就是我們怎麼樣壯大自己"},{"start":12122.081,"end":12144.778,"text":"這是一個機會點所以是不是應該金管會要在這時候提出一些更具體的措施讓就是我們的金融機構以及就是這些國外的資金能夠來到台灣那我再請教一下就是說我們現在ICT半導體等等的要赴美去投資"},{"start":12146.899,"end":12173.413,"text":"過去日本他是他的企業到哪裡他的金融機構就發展到哪裡那我們有沒有辦法讓台灣的金融機構能夠亞洲化國際化隨著我們的企業要到就是說不管是到美國也好這是一種雙向的也同樣的會促進就是國外的資金也回流到台灣來這是一個雙向的"},{"start":12176.365,"end":12192.57,"text":"金管會有沒有什麼樣具體的措施?其實我也有關心最近比如說我們整個的金融業海外佈局的重點除了新南向以外這個就是未來等於說我們的台商整個佈局的路徑還有現在對美國"},{"start":12193.63,"end":12206.445,"text":"還有澳洲這些都是還有像南亞這些都是我們就是其實像我們金融業的嗅覺很靈敏它就跟著我們的廠商的步伐前進我想這個大概是已經是非常明確的一個趨勢"},{"start":12209.008,"end":12231.67,"text":"所以那金管會也會就是持續的給予各項的措施的協助當然比如說我們在跨國的時候比如說我在設據點當然牽涉到金融監理的合作這我們一定會來當我們金融機構的後盾比如說我也跟我們同仁講一下假設我們跟各國的監理官有一些雙邊會談的時候我們要順便提出來我們需不需要我們的"},{"start":12233.031,"end":12252.849,"text":"我們國內金融機構需要我們協助的透過這個政府之間的溝通會更加的順暢跟有支持的力量好那我們也希望說就是就是這些資金可以來到台灣那現在目前股市的交易量排名全球第幾名"},{"start":12253.171,"end":12271.085,"text":"我們的交易量大概前十左右但是我們的市值大概前七那對於吸引外資來台灣的股市投資那你有沒有什麼具體的措施你的目標是希望能夠達到第幾名前五名我們是前五名可以嗎當然我"},{"start":12272.586,"end":12288.151,"text":"越前面越好前五名確實是我覺得台灣是可以思考的啦可以思考問題是金管會有什麼具體的措施那比如說我們如果委員有注意到我們責成兩個交易所我們不斷的在做我們跟市場國際化的這個串聯合作"},{"start":12291.392,"end":12318.419,"text":"還有就是我們壯大我們的資本市場計畫未來我們也會期待我們的債券市場能夠持續的擴大這部分我覺得我們都在努力因為台灣在過去這一兩年來我們整個資本市場的發展是舉世矚目我想這部分除了這個規模以外那個值得提升還有人才都要把它拉上來剛才講說其實台灣股市已經國際資金非常重要的一個資本市場"},{"start":12319.397,"end":12344.649,"text":"好還有最後一點就是說對於目前我們的地方創生他跟一些農村以及就是永續環境都已經結合在一起了那未來是不是可能就是把這樣子就是一些ESG就是金管會對於企業的ESG的這些評鑑的指標也納入了地方創生讓這些"},{"start":12346.71,"end":12365.131,"text":"就是說企業的ESG能夠協助地方的團體社區等等發展對臺灣自然環境永續有幫助的這樣子的一個地方創生這也是我們設計這套評比制度最重要的目的希望導引我們的"},{"start":12366.813,"end":12388.169,"text":"產業資源配置在我們比如說有助於ESG永續的方向我想假設比較具體部分其實我們這個指標隨時要檢討而且就是說我們也回應非常社會各界對這個比如說這個制度上面的一些的調整也歡迎委員比如說有具體的建議的話提供給我們"},{"start":12389.026,"end":12412.757,"text":"對 就是對於環境永續有利的地方創生其實裡面有些指標應該是有涵蓋到這裡對 就是你的地方創生是不是納入這樣的指標如果有更具體的部分我們可以再怎麼優化就請委員提供比較具體的建議我們來請我們同仁還有相關單位來研議好 謝謝下一位請陳玉珍委員質詢"},{"start":12419.978,"end":12423.359,"text":"我們說人民的小事就是政府的大事這個保險法的這個部分"},{"start":12439.132,"end":12462.026,"text":"大家現在出國都是很多都保這個旅遊不變險海外到海外去也是會那到國內旅遊也是一樣像在金門地區如果飛到金門的時候天氣起霧今天又起霧沒有飛那如果有旅屏險當然會造成就是有很大的注意海外也是吧海外也有這個旅遊不變險"},{"start":12463.627,"end":12491.168,"text":"那這個去廈門是算出國嗎去廈門算海外嗎 算吧那請問這個海外不避險為什麼有民眾跟我們反映我舉這個例子給你聽他到廈門去 從廈門要搭船小山洞是坐船不是坐飛機然後要再回到題門然後再坐飛機回到台中那因為颱風導致船班飛機都停駛就滯留了很多天但他申請履平權的時候被拒絕"},{"start":12491.989,"end":12499.991,"text":"因為保險公司主張保單保障範圍僅限於飛機不包括船運等其他交通工具"},{"start":12500.967,"end":12527.657,"text":"好 你們看下一頁這個現行的法規裡頭這個海外旅行的不便險這個部分你們的法規依據是你們經常會訂的這個個人海外旅行不便險的參考條款第二條有相關的法令 它是說是包括搬機延誤 行李延誤旅行文件損失取消 旅程取消 旅程更改然後行李損失嘛你們的相關條 第三條"},{"start":12530.279,"end":12542.411,"text":"寫的是這樣子喔您有營業執照經政府登記許可據固定場在一班次提供不特定的旅客運送之服務是包括水上路上及交通工具啊"},{"start":12543.687,"end":12563.775,"text":"你們的這個法規裡頭是包括入海空的這個工具都包括嘛那為什麼民眾如果一個法規是有包括水上工具那為什麼就船嘛民眾從廈門搭金門搭船回金門延誤也是去海外嘛沒有辦法申請搬機延誤保險那個是不是保險局可以比較來說明一下"},{"start":12564.491,"end":12587.764,"text":"是 報告委員 那個這裡講到的含水上 陸上 空中的這些在我們的海外旅遊的不便嫌裡頭是有包括那個航班的部分 但是那個水上的部分船啊對 船的部分為什麼不包括不是 出國不是指 去廈門就是離開中華民國的那個台灣地區境內嘛 對不對"},{"start":12588.644,"end":12607.219,"text":"那也算啦 你從 你不要坐船好了 你坐飛機你從台北到廈門嘛 松山到廈門有算嘛 對 因為你坐飛機可是因為交通工具的改變卻不包含那這樣是不是你的這個 有一點這個因為你原來的法規依據是有包含水 路 空都有啊"},{"start":12609.418,"end":12631.843,"text":"您了解我的意思嗎那第二個這個你去研究一下如果有問題的話是不是應該要修改因為可能當初在訂定的時候沒有小山通沒有坐船出國的例子有可能是這樣子大家都是坐飛機那小山通出國到大陸去這個是現在一個也很普遍應用的交通工具"},{"start":12632.583,"end":12659.249,"text":"所以的確會遇到這樣情形你們是不是要研究這個部分是不是應該要怎麼樣請保險公司來做這個機制的話要增加這個部分當然這個匯率保費什麼當然他們可以再去計算各方面對不對那因為這個也算是理由不變險的一個部分這個可能要改進這個部分我們可以再研究那第二個來有關這個再上一個這個搬機延誤和里程更改的這個部分這個搬機延誤這個是天災這個下一頁再下一頁"},{"start":12663.232,"end":12692.265,"text":"不是 來這個 你看喔你們條款24條規定海外旅行期間遇到交通工具什麼罷工 戰爭 暴動 天災的會有一些理賠嘛那天災比如說颱風算是 對吧颱風是天災 那為什麼農務不是呢這個在海外的那個旅行不便行裡頭這個部分是應該是有算那都算嘛 對不對那這個至少我看到Case裡頭他申請理賠就說因為農務不算"},{"start":12693.63,"end":12709.059,"text":"包括你剛剛舉的那個例子我不是要為單一case說啦我說的是整體的情形嘛融入的話應該也是要算所以請你們就是這些例子就是這是其中一個例子但一定很多有發生所以這個部分請你們要具體的做這個跟保險公會還有這個針對這個旅遊這個險的部分這個適用範圍包括水上的交通還有小山東船班這個整個納進來"},{"start":12719.485,"end":12722.466,"text":"因為很多的業務要運作到遇到真實的案例我們才知道我們的那個條款有沒有什麼可以來了解檢討"},{"start":12744.212,"end":12759.545,"text":"好 回去一個月內給我們報告你跟相關公會討論一下怎麼來納入啦那費率應該怎麼樣你們大家都可以去討論一下這個老百姓是的確有這樣的需求第二個有關這個要在金融推動這個金融科技創新的一些"},{"start":12760.686,"end":12775.608,"text":"一些目標這上回我已經問過了就是說如果有旅客比如從金門要到廈門去那我說電子支付的部分那電子支付的部分那大部分現在大部分都用微信支付嘛那我們台灣可能有什麼上次台灣什麼"},{"start":12777.03,"end":12800.049,"text":"台灣Pay什麼這一類的那如果還要到那邊去下載到了大陸需要下載他們的什麼WeChat那大陸的旅客到金門來還要去下載什麼台灣Pay這個是在強能索南嘛事實上也很難這樣做到嘛那是不是有什麼方式對不對就是說你們來推動這個跨境支付的一個至少如果沒有辦法現在拓展到台灣整個島颱風現在至少在"},{"start":12803.231,"end":12821.837,"text":"經銷往來比較密切這個用這個三合實驗的方式從這個地方開始來這個推動這包括當然技術啦這QR Code怎麼轉接清算啦這個一些試點啦比如說現在台灣接口這個支付現在可以到日本去掃碼支付嘛到日本就可以可以嘛那還有我知道好像有一個"},{"start":12823.678,"end":12844.912,"text":"到韓國去也是可以嘛我說的是說像我們這樣的電子譬如說每個單位人來這邊都用他們的微信然後都弄這個我們廠商都要去變成使用他們的微信的這個部分啦就最好他們來就可以直接直接你們在這個這個金蝦之間用個什麼樣的機制啊直接用跨境支付來做這個可以嗎"},{"start":12846.274,"end":12862.343,"text":"沒問題因為我們的電子工會剛成立我們就請他來好好研議這個模式三個方式第一個政府的政策政府政策當然要確定如果要從實驗性質開始從今下來實驗開始也是一個方法小範圍內你看"},{"start":12866.152,"end":12885.237,"text":"我們這裡的電子支付廠商就可以使用這些電子台灣人到大陸去就可以使用不用再去下載他的就是民眾的便利性那大陸人來也不用來用什麼微信讓微信支付到處都是不用就用我們的什麼接口啊LINE啊什麼這一類的各式各樣的對啊 除了便利性還有"},{"start":12885.737,"end":12908.444,"text":"還有很多國人關心的資料安全性是 那這個部分也是要你們來 政府也要來做包括隱私 區塊鏈的存證 數據驗證中心什麼這些還有個資法 數據安全法這些都是要注意的兩岸的相關法規也要做來做一個相關的一些監理的接口那這個部分就是"},{"start":12910.024,"end":12936.691,"text":"兩岸的這個實驗區這個部分就可以來做可以嗎對我們請那個電子工會針對剛剛委員提到這樣那個比如支付從民眾便利性跟資料安全性的角度來看請他們演繹這樣的一個什麼方案好演繹出一個方法政策上當然你們也要支持啦因為也是要上位的政策支持然後法規部分法規面如果有什麼需要修改的或什麼需要兩岸來做一些溝通的話這些我們也有我們能做我們也會協助啦"},{"start":12937.231,"end":12963.803,"text":"我們也會如果涉及到其他部會我們再去對那大概這個時間大概要多久呢我跟你講我們請電資公會延以後看他要大概多久再跟委員報告對請電資公會你們還是那是哪個單位負責呢銀行局啊也是銀行局負責是不是對因為電資是銀行局那政策部分是你們這邊嘛那落實到具體的話是財經公司嗎還是這個延慶院啊是哪個單位在處理這個事情如果你想了解"},{"start":12965.064,"end":12990.223,"text":"應該跟財經公司有財經公司是央行的那是不是你們跨部會我想說我們先對未來的這個現況瞭解再怎麼樣執行才會帶出是什麼單位相關要做一些調整好 那多久的時間可以給我一個這樣的答案啊等於說我現在就是可以請他研議看看就是說因為我這有上次就問過了也不是第一次問了對 但是我們就是已經請他們再做這個研議"},{"start":12991.164,"end":13009.495,"text":"我會請銀行局先去了解他大概現在的進程時程再跟委員報告好多久會給我知道答案啊已經我上次問過已經半年前問過了多久可以給我答案呢下禮拜我們辦公室來跟我們討論相關的這個進程好謝謝下一位請鄭正前委員"},{"start":13028.164,"end":13031.457,"text":"謝主席我想請一下彭金榮彭主委請金管會彭主委"},{"start":13036.483,"end":13059.733,"text":"主委好金融科技很蓬勃跟著金融科技蓬勃發展之後會碰到一個大家消費者都很關心的問題就是個資安全的一個問題因為最近有好幾件大型企業資安事件接連爆發造成社會大眾不安但是只要有沒有外流主管機關有沒有能力在第一時間介入管控風險保護消費者大家都非常的關心"},{"start":13060.473,"end":13087.872,"text":"目前有兩個很大的相關的案件一個是藉口支付主管機關就是金管會另外一個是庫篷庫篷的主管機關的時候是數位發展部就是不太一樣因為一個是第三方支付那麼一個是電商確實性質不一樣可是重點是他們都出現了讓消費者民眾非常擔心的個資外洩的一個問題主委對這部分應該很理解對不對"},{"start":13088.772,"end":13105.455,"text":"當然所有金融機構各自外洩都是我們重大事件他要第一時間通報然後讓我們掌握這個現況還有根據他的影響程度要跟我們做了解那我們會對這件事情包括剛剛委員提到的案子其實我們也都有第一時間做非常深入的了解"},{"start":13105.675,"end":13124.02,"text":"所以第一時間金融機構的個資外洩問題都非常的嚴重對不對可是我們看到了在113年9月的時候接口支付也曾經出現個資相關的一個問題結果就是金管會銀行局這邊裁罰兩萬元只裁罰兩萬元那今天是不是"},{"start":13125.908,"end":13144.286,"text":"裁罰過期讓監獄只是流於形式所以一年之後就出現了一個接口支付疑似有六百萬筆的個資外洩包括銀行資料包括身份證資料而裡面很多名人甚至包括可能有很多我們的立法委員也都在"},{"start":13144.967,"end":13165.801,"text":"被洩露的名單當中針對這個部分的時候我想請教一下金管局主委針對這個有資安前科的電子支付業者我們是不是有加強監管那針對去年發生年底發生這個疑似六百萬筆的個資外洩的事情的時候金管會做了哪些事情可不可以請主委做個詳細的說明"},{"start":13167.318,"end":13194.262,"text":"我想當然那個剛剛的裁罰是一定是依法的那個額度來裁罰我想這部分是啊 2到20萬我們就採取最便宜的2萬對 所以就依法實在都沒有問題可是我只是在想說既然有這樣的事件的時候那一年的時間的時候又出現了一個600萬筆的個資外洩的部分那我們去年年底的時候個資法修法所已經很清楚要求業者在"},{"start":13194.622,"end":13206.095,"text":"在芝西這個事故之後必須履行通知當事人還有通報主管機關現在通報主管機關可是他們有沒有通知當事人針對這個部分金管會這邊有沒有給他們做很具體的要求"},{"start":13207.125,"end":13233.647,"text":"各位委員報告那個處分兩萬塊的部分是另外一個案件理解會依照相關的一個這個輕重程度我們施以不同程度的行政處罰那這個個案我們目前還在處理當中那至於委員剛才這邊有垂詢到說有沒有通知相關的這個當事人就我們接口吃貨給我們的報告是有的他們有通知這六百萬個當事人數量沒有那麼多因為這個部分他們通知了多少人通知了誰"},{"start":13235.084,"end":13256.307,"text":"就是民眾有在因為他的這個我為什麼會特別提到這個部分因為當事情發生的時候其實每個企業都說他們已經做好了相關的問題處理而且覺得影響不大沒有問題就像接口支付他這邊也提到說他們在事情發生的時候資料已經加密有浮水印不會再被利用"},{"start":13256.787,"end":13272.947,"text":"可是問題是各自外線就會牽涉到後續詐騙的一個問題那企業這樣講的時候我們主管單位是不是就買單我直接把酷朋的案子來跟我們金口支付的案子直接做一個處理因為酷朋這案子他們一開始他們也是表示說沒有涉及台灣用戶"},{"start":13274.729,"end":13295.054,"text":"結果他們直接找了第三方支付第三方的一個公證單位的時候去做一個調查發現有涉及台灣20多萬筆的一個台灣民眾的個資外洩於是88天之後他們又改口承認有個資外洩而且提出補償那速發部他們也要求"},{"start":13298.34,"end":13320.239,"text":"庫篷要聯絡所有的當事人而且提供他們相應的一個補償那我們金管會主管的接口支付做了哪些事情600萬比到現在的時候我看不出我們金管會到底做了哪些的一個懲處那如果說在調查當中的時候我們有沒有要求第三方的公正單位來進行調查有獨立的鑑識報告"},{"start":13323.181,"end":13345.418,"text":"跟委員報告就是在民眾權益保護的部分接口的回覆目前是有針對相關的個案有通知而且有進行相關的補償所以企業回應已經都沒有問題嘛可是我這邊要直接講到為什麼有特別要庫蓬的案子拿出來庫蓬他們講出來之後88天之後就發現企業一開始講的是錯的那儘管會現在你今天你還在跟我講說企業怎麼講企業怎麼講重點是我們儘管會怎麼錯好不好"},{"start":13349.221,"end":13371.745,"text":"主席站起來了我不要耽誤太多的時間請金管會這邊後續把針對接口支付發生的各自疑似外洩之後金管會做了哪些事情接下來要做哪些事情到本辦公室做一個很詳細的一個說明好不好沒有問題 謝謝好 謝謝下一位楊江銘議員已經提出書面質詢再來"},{"start":13376.904,"end":13385.974,"text":"蘇清泉委員質詢蘇清泉委員質詢蘇清泉委員不在請林竹英委員質詢林竹英委員林竹英委員不在"},{"start":13387.168,"end":13412.177,"text":"今日登記發言委員均與詢答完畢本次會議作如下決議報告及詢答完畢委員質詢為其答覆或請補充資訊請經管會於週內以書面答覆委員另要求期限者從其所定委員楊瓊英所提書面質詢列入紀錄刊登公報並請相關部會議書面答覆本次會議紀錄"},{"start":13414.127,"end":13424.999,"text":"本市會議議程已進行完畢 堂友不在場委員補題書面資料一併列入記錄 刊登公報 並請議事人員協助處理現在散會"},{"start":13447.322,"end":13456.669,"text":"好吃嗎好吃"},{"start":13487.858,"end":13497.207,"text":"中文字幕 李宗盛"}]}},"supported_relations":[],"relations":[]}