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我們請指揮秘書報告今天初期委員會的人數報告委員會初期委員與組法定人數好 我們現在開始開會請議事員宣讀上次的會議議事錄"},{"start":1568.305,"end":1589.138,"text":"立法院第十一屆第五會期財政委員會第十二次全體委員會議事錄時間中華民國一百一十五年五月六日星期三九十一分至十時三十五分地點群仙樓九樓大禮堂出席委員林黛華等三人電席委員鍾嘉斌等六人請假委員顏寬恒電席官員行政院財政主計金融處處長王淑端"},{"start":1590.599,"end":1600.504,"text":"行政院主計總處主計長陳淑芝 審計部審計長陳瑞敏財政部政務次長阮清華暨相關單位主管 主席李昭吉文燕秀"},{"start":1602.248,"end":1624.59,"text":"報告事項 宣讀上次會議事錄決定議事錄確定討論事項 一 繼續審查中華民國115年度中央政府總運算案有關主計總署即省紀部 省紀部台北市省紀處 省紀部新北市省紀處省紀部桃園市省紀處 省紀部台中市省紀處省紀部台南市省紀處 省紀部高雄市省紀處部分"},{"start":1625.992,"end":1634.764,"text":"2.繼續審查中華民國115年度中央政府總預算案有關第27款直轄市級縣市政府第三項一般性補助款財政部主管第一幕財政部第二幕國庫署第13項"},{"start":1636.55,"end":1662.552,"text":"一般性補助款其他第一至八目災害準備金第二預備金決議一一百一十五年度中央政府總預算案有關主計總處計省紀部省紀部台北市省紀處省紀部新北市省紀處省紀部桃園市省紀處省紀部台中市省紀處省紀部台南市省紀處省紀部高雄市省紀處預算審查結果一稅務部分第二款罰款及賠償收入"},{"start":1664.141,"end":1689.716,"text":"第六項主計總出5列數第六十二項審計部5列數第六十三項審計部新北市審計出5列數第六十四項審計部桃園市審計出5列數第六十五項審計部台中市審計出5列數第六十六項審計部台南市審計出5列數第三款歸費收入第五項主計總出八萬一千元照列第四款財源收入第七項主計總出三十九萬六千元照列第六十九項審計部一百一十二萬兩千元照列"},{"start":1690.256,"end":1714.679,"text":"第七十項 省基部台北市省基處3萬元 照列第七十一項 省基部台北新北市省基處122千元 照列第七十二項 省基部台北市省基處5千元 照列第七十三項 省基部台中市省基處5千元 照列第七十四項 省基部台南市省基處12萬5千元 照列第七十五項 省基部台南高雄市省基處4萬6千元 照列第七款 其他收入第七項 主基總數91萬6千元 照列"},{"start":1716.32,"end":1737.926,"text":"第68項省基部851,000元遭獵第69項省基部台北市省基處16,000元遭獵第70項新北市省基處8,000元遭獵第71項省基部桃園市省基處無列數第72項省基部台中市省基處無列數第三項省基部台南市省基處無列數第74項省基部高雄市省基處無列數二說出部分"},{"start":1738.706,"end":1754.122,"text":"第二款行政院主管第二項足跡總數原列179,136萬4千元檢列業務費400萬元第一幕一般行政410萬元含基本行政工作維持至業務費10萬元第六幕國事普查有200萬元第八幕"},{"start":1755.302,"end":1772.405,"text":"主計資訊業務150萬元第九目一般建築及設備第三節其他設備5萬元共計減列1165萬元科目均自行調整其餘均照列改列為17億7971萬4千元本項提案三案保留送院會處理本項通過決議五十二項"},{"start":1773.246,"end":1793.974,"text":"第六十二款監察院主管第二項審計部原列十四億三千三百四十四萬兩千元簡列第一幕一般行政四十萬元含基本行政工作維持之業務費二十萬元辦公室務設備汰換及辦公廳設整修之設備及投資二十萬元第二幕中央政府審計向下中央政府審計工作中"},{"start":1795.435,"end":1800.882,"text":"業務費資訊服務費50萬元共計減利90萬元科目均自行調整其餘均照列改列為14億3254萬2千元本項通過決議28項第三項"},{"start":1807.156,"end":1815.761,"text":"審計部台北市審計處8,251萬6千元照列第四項審計部新北市審計處期間552萬6千元照列第五項審計部桃園市審計處6,671萬5千元照列第六項審計部台中市審計處7,289萬8千元照列第七項審計部台南市審計處7,354萬1千元照列第八項審計部高雄市審計處8,981萬2千元照列"},{"start":1835.839,"end":1859.9,"text":"2、審查中央民國115年度中央政府總預算案有關第27款直轄市及縣市政府第三項一般性補助款財政部主管第一幕財政部第二幕國庫署第三項一般性補助款其他第一至八幕在準備金第二倍金第27款直轄市及縣市政府第三項一般性補助款財政部主管6億2350萬元照列第一幕一般性財務補助財政部5億元照列本幕通過決議兩項"},{"start":1861.041,"end":1885.597,"text":"第二幕一般性財務補助國庫署1億2350萬元照列本幕通過決議一項第十三項一般性補助款其他736億8846萬1000元照列第一幕一般性教育補助其他無列數第二幕一般性交通補助其他無列數第三幕一般性其他經濟服務補助其他無列數第四幕一般性社會保險救助其他無列數"},{"start":1886.457,"end":1901.311,"text":"第五目一般性社會救助補助其他74億8270萬元4000元第六目一般性社會福利補助其他331億4233萬元照列第七目一般性專案補助其他331億6342萬7000元照列第八目一般性平衡預算補助其他物業數"},{"start":1909.997,"end":1936.713,"text":"第二十九款災害準備金五十億元照列第三十款第二預備金八十億元照列本款通過決議兩項有關這事別稅出預算隨同以上機關別審查結果調整宣讀完畢好請各位委員對於議事錄有沒有意見好沒有那我們就確定議事錄那我們先介紹請議事請議事人宣讀今天的議程"},{"start":1937.881,"end":1947.926,"text":"一 邀請金融監督管理委員會彭主任委員金融就金融科技發展業務制推動情形與展望進行專題報告並備諮詢二 繼續審查本院台灣民眾黨黨團文林思敏等21人分娩理據虛擬資產服務法查案等兩案"},{"start":1954.224,"end":1968.417,"text":"3.審查行政院行情審議本院委員葛如君20人 委員林楚瑩19人委員賴慧媛17人 委員李燕秀19人委員賴思寶20人分別離去虛擬資產服務法查案等6案宣讀完畢好 謝謝我現在先介紹一下我們在現場的委員在現場有吳秉瑞委員"},{"start":1980.933,"end":2007.237,"text":"以及我们非常早到的林德福委员谢谢以及我们刚才接受媒体采访的我们彭金荣彭知伟我们金融市场发展创新处的林处长欢迎您我们银行局的佟局长欢迎您我们政企局的高局长我们保险局的王局长"},{"start":2009.38,"end":2030.539,"text":"我们检察局的副局长郭副局长欢迎您我们台湾证券交易所的林董事长欢迎您我们总经理李总经理欢迎您我们购买中心的简董事长欢迎您我们购买中心的总经理陈立青陈总经理欢迎您"},{"start":2031.877,"end":2057.969,"text":"我們中央銀行業務局的謝局長歡迎您我們外匯局的蔡局長歡迎您我們財政部國庫署的李組長歡迎您負稅署消費稅組的林專委歡迎您稅政行政組的林專委歡迎您我們法務部的廖參事歡迎您"},{"start":2059.741,"end":2065.086,"text":"主席 各位委員媒體先進大家早貴委員會邀請本會就金融科技發展業務之推動情形與展望提出專題報告"},{"start":2082.011,"end":2100.887,"text":"本會積極營造金融科技發展友善環境鼓勵多元創新應用強化消費者權益保障持續提供多元且完善的數位金融商品及服務並落實普惠金融緊究推動重點說明如下一強化監理韌性與數位數位化轉型"},{"start":2102.088,"end":2121.329,"text":"推動虛擬資產服務法立法與穩定幣的相關監理措施擴大業務事辦及強化創新實驗機制大幅放寬業務事辦範圍截至3月底本會共受理147件業務事辦案以核准127件、114年核准32件為歷年新高"},{"start":2122.17,"end":2143.004,"text":"我們將持續研修金融科技發展與創新實境條例規劃會新增金融科技創新示範機制加大金融創新力度推動數位保險公司發展截至4月底已有9家團隊進行門診預計受理申請案後最快可於受理6個月內公布設立許可案件及審查結果"},{"start":2144.005,"end":2160.634,"text":"持續辦理金融行動創新法規調適平台截至2月底已採納56項建議建置銀行監理數位申報及分析平台發布數位金融服務包容性指引推動開放創新與多元金融服務"},{"start":2161.554,"end":2173.587,"text":"擴大金融Face ID的應用場景已有12家金融機構參與借接金融Face ID持續推動開放銀行與開放證券業務推動虛擬資產保管業務事辦與訂定實務指引已核准5家銀行事辦並函請銀行工會嚴定相關實務指引"},{"start":2180.094,"end":2196.726,"text":"推動現實世界資產RWA代幣化規劃先以債券及黃金為推行標的並以成立RWA代幣平台專案小組請相關單位建置系統與可行及安全前提下盡速落地"},{"start":2197.955,"end":2213.511,"text":"促进金融科技创新应用与生态系发展,运用AI科技阻诈,建制由财经及廉政中心建立跨机构科技分析平台,督导银行工会成立同业阻诈技术分享平台,提升科技防诈效能。"},{"start":2214.412,"end":2234.288,"text":"建構金融大語言模型於4月啟動金融專用大語言模型專案第一階段以銀行知識為基礎的模型預計在今年年底上線擴大保險業辦理電子商務業務範圍雙軌並行投資創新科技金融科技產業聯盟規劃成立金融科技創新"},{"start":2236.369,"end":2257.162,"text":"金融科技創投基金而且我們同步規劃以金控銀行旗下創投公司資金共同直接投資國內科技新創公司發布年度業務事辦亮點創新案件推動金融科技創新園區2.0分級輔導機制辦理2025年台北金融科技論壇推動影譜尋光計畫發掘具有創新潛力之創新個案舉辦金融科技主題式推廣活動"},{"start":2265.487,"end":2282.723,"text":"二金融科技未來推動重點一提升金融資安韌性落實金融資安韌性發展藍圖以目標治理權益防護生態聯防堅實韌性為四大主軸提升資安治理的良性循環推動資安交流以後量子密碼指引"},{"start":2284.6,"end":2310.453,"text":"發展可程式化AI因應代理師AI發展引導業者妥適應用引導金融機構善用技術並建立安全治理框架本會將研議增修相關規範或指引引導金融業安全運用依AI風險分類框架配合數位部研議之人工智慧風險分類框架盤點金融業AI應用場景及潛在風險嚴定以風險為基礎的相關應用管理規範"},{"start":2314.963,"end":2330.129,"text":"因應AI與新興科技多元應用本會持續關注國際趨勢完備金融科技基礎建設鼓勵金融業負責創新營造開放友善的金融創新環境以上報告敬請各位委員指教謝謝好"},{"start":2333.998,"end":2353.092,"text":"謝謝我們今天彭主委的報告那現在開始答詢先做以下的宣告每位出席委員發言時間是8分鐘必要時的延長2分鐘每位列席委員發言時間是4分鐘今天上午10點截止發言登記現在依登記的順序請登記第一位的林德福委員開始質詢"},{"start":2366.831,"end":2390.818,"text":"謝謝謝謝主席是不是請彭主委主委委員長主委長主委我請教因為台股4萬點每天成交量都好幾千億在跳那從學生到菜籃族大家都在買股票買ETF那今年5月"},{"start":2391.838,"end":2415.123,"text":"整個台灣的股市巴菲特指標飆升至逼近500%顯示台股嚴重的過熱泡沫化的風險極高被外媒形容為玩火的程度以金管會評估現在台股到底算不算過熱"},{"start":2416.598,"end":2431.184,"text":"我想非常謝謝委員對台灣資本市場非常的關心從過去一直對於台股的發展一直都有很多的這個指教我也再多次跟委員回答金管會是一個資本市場的監理主管機關"},{"start":2432.344,"end":2458.881,"text":"我們不會對未來的市場做任何的預期我們在意的是說我們是否我們的市場夠公平夠效率夠透明以及有沒有符合市場機制剛剛委員提到的我們一個健全的市場本來就有多空雙方的意見本來就有人看多有人看空那你認為以這種程度因為其實外媒這個也形容為玩火這種程度那會不會泡沫啊"},{"start":2459.801,"end":2483.046,"text":"大家認為說這個泡沫化的風險極高那你是金管會主委當然這個也要對目前這樣的整個狀況應該做一點點就是讓大家了解當然是剛剛委員那個指教的非常好我的意思是說其實我是主管機關我在意的是說我們的市場夠不夠安全公平跟透明"},{"start":2483.726,"end":2513.126,"text":"那再來就是我們有沒有讓市場機制充分的發揮剛剛也跟委員說明過其實市場本來就有人樂觀本來就有悲觀它形成市場的力量我想再來不管是資本市場它只是我們經濟結構的櫥窗我們大概都知道台灣的我們的產業具有國際上的競爭力基本面也不是所謂的我們沒有基本面支撐我再多次也說到不管股市如何發展必然回歸基本面我想這個大概都是這樣的一個情況"},{"start":2514.047,"end":2527.724,"text":"那这部分的话金管会当然会持续关注各式各样的我们的发展我们会适时的采取我们应该做一个市场主管机关该有的这些的监理作为"},{"start":2529.346,"end":2542.299,"text":"外資熱錢有明顯的向台灣市場流入的趨勢也帶動整體的股市交易的熱度那金管會有沒有評估外資有沒有異常的這些狀況是來投資還是來當禿鷹"},{"start":2546.423,"end":2569.96,"text":"我想外資這個管理這個其實不是我們這個金管會在關注我想這也牽涉到我們國際資金流向我想央行也非常非常在意這裡面應該是所有這個部分其實外資投資台股不是今天才有的而且外資高度持有台灣的股市也不是今天才這樣所以我想在過去其實我們在台灣的股市在"},{"start":2570.62,"end":2584.032,"text":"在應對我們整個外資的投資的時候我們是要成為一個國際級的資本市場本來外資就是一個很重要的參與者全世界的國際級的資本我知道那你認為有沒有一些異常的狀況有沒有我覺得"},{"start":2586.154,"end":2604.291,"text":"現在的這個過程當中因為隨著資本市場的這個不同的交易狀況當然他有他自己判斷我想也今天有媒體提到就是說比如外資匯入比較多那前陣子外資賣超也很多實際上本來就是正常操作的一部分所以說主委認為是正常的"},{"start":2604.751,"end":2624.181,"text":"我想說這個本來資金的流動在操作我們都有一套的監控措施我想這也是自由市場應該有具備的一個條件跟可以容納各式各樣的交易活動在我們的資本市場裡面活動主委現在的股市裡風險最高的就是全民開幹港"},{"start":2626.582,"end":2643.969,"text":"炒股散户的融資餘額還有拿股票去銀行或券商質押這個借款再投入股市的金額屢創天價這代表4萬點的台股很大一部分是用借來的錢疊上去的"},{"start":2644.949,"end":2656.036,"text":"那如果外資一個大的提款或台股回檔百分之十到百分之十五是不是很有可能引發斷頭多殺多的這種年環抱"},{"start":2660.138,"end":2686.129,"text":"這部分金管會到底有沒有針對應來應對這樣的一個措施啊 有沒有我想台灣的資本市場不是只有一天兩天過去我們也應對過各式各樣的這樣而且台灣的資本市場假如從10年前的市值到現在10年前我記得不到30兆現在應該將近140兆我想這個規模跟以前不一樣中間經營過很多很多的這樣一個過程"},{"start":2688.11,"end":2708.722,"text":"剛剛委員指教說其實不確定性還有就是所有的風險所以我們在很多公開的場合就是說資本市場本來就是要謹慎投資注意風險管理這本來就是不管在什麼樣的時候都是一樣的道理我想這個部分我們儘管會作為主管機關我們當然會對各種的假設情況都會有所"},{"start":2709.778,"end":2723.533,"text":"有所估計有所因應主委今晚會鬆綁國內股票型基金與主動式ETF投資的單一個股上限那台積電將西光這些市場"},{"start":2728.553,"end":2750.675,"text":"市場上的資源那其中特定的一些產業那專家學者認為說助長啊荷蘭病K型的經濟情況的發生啊對此主委你有什麼看法其實我想這個議題從開始我們台積電成為我們單一很大市值的股票就很多人提醒這件事情"},{"start":2751.576,"end":2770.707,"text":"我想這部分就是有關我們在過去一年多來我們調整基金的管理的規範那其實是非常中性的我們在去年的時候因為其實資本市場我們在做一個這個基金的管理的時候它必須能夠貼近我們整個市場的實質"},{"start":2772.048,"end":2789.83,"text":"因為股市是反映基本面不是基本面來反映股市我想這是大概是一個很簡單的道理當我們整個的股市結構長這樣的時候但是我們的整個基金的管理卻是用十幾年前的這個模式那當然是不符合所以我們做非常中性的調整"},{"start":2791.252,"end":2807.727,"text":"比如台積電在國際上的競爭優勢大家都是有目共睹的我只是說這是整個市場結構而且我們整個在管理上面我們都是中性的主委因為這陣子不管是在立法院或是報章媒體的報導"},{"start":2810.109,"end":2830.737,"text":"立委与专家学者都在提醒政府要严肃的看待这些经济的隐忧台积电一家公司的市值就超过整个台股总市值的45%将近一半万一台积电不再独强台股将连带的受到影响"},{"start":2831.897,"end":2852.165,"text":"本集是希望金管會對於鬆綁整個國內股票型基金與主動式ETF投資單一的個股上限的政策我希望你半年內就是六個月給立法院檢討的評估報告作為該政策是否恢復緊縮的這些參考"},{"start":2853.946,"end":2877.779,"text":"沒有問題委員如果說我們一個政策實施一陣子要檢討這本來就是合理的我想剛剛委員要求說六個月之內提出我們的實施的報告這沒有問題對好那另外我想課徵遺產稅主要的目的是防止整個社會因為財務過度的集中減少貧富的差距那最近"},{"start":2878.719,"end":2897.42,"text":"為了打造亞洲資產管理中心金管會對外表示連續受益人的信託確立整個課稅的原則在100年存續期間內不論是資產傳承幾代原則上僅課稅一次"},{"start":2898.061,"end":2925.198,"text":"那突然過去代代的移轉代代的課稅的限制也就是所謂的百年信託外界擔心這個此一政策會讓貧富差距的問題會越擴越大那請主委說明目前整個規劃百年信託除了引導資金留在台灣外對台灣整個社會還有哪些的好處我想跟委員說明因為那個"},{"start":2926.118,"end":2951.868,"text":"新聞的內容當然是有點簡化那實質的內容是非常非常複雜我想過去我們從開始有信託法開始35年來大家都是一直在討論這個議題就是說為什麼國外有個叫做王朝信託那為什麼說我當我今天這個信託架構裡面其實上剛才比如說代代課證與稅的意思其實上要把它講清楚一點"},{"start":2952.788,"end":2968.724,"text":"就是說當我要做一個家族傳承的時候我勢必就是我會對我未來的這些比如說我的受益人先做好一個約定只是過去我們在有幾件事情沒辦法理清就是說我們到底還沒出生的後代能不能當做受益人"},{"start":2970.466,"end":2986.165,"text":"再來就是說我們這裡面應該要課徵什麼稅比如說從我A受益人結束到B受益人的時候應該課什麼稅在過去席上我們一直沒有這個實務所以我們這次非常感謝財政部跟法務部做出明確的解釋"},{"start":2986.966,"end":3007.427,"text":"未來會做出明確解釋法務部就說如果只要可得確定不一定要有具名再就是說假設這個授意權是因為條件成就而成立並不是由A移轉到B那他就只要課所得稅就好不需要再課一次遺產稅否則我想說在一個傳承的架構下面課個幾代就等於零所以這也是導致說"},{"start":3008.107,"end":3031.547,"text":"我們很多高資產客戶把他的資金移往海外這主要原因我們只是沒有在修法的過程當中把這個把它講明確以後回歸到我們稅法課徵的一個規定裡面去並沒有我剛才講說委員說只課這個疑似遺產稅他包括那個他取得還是要課所得稅的這樣喔是的好 謝謝好 謝謝我們結束林德福委員的質詢接下來請吳秉瑞委員"},{"start":3043.293,"end":3045.756,"text":"主席麻煩請監管官彭主委請彭主委"},{"start":3053.178,"end":3072.954,"text":"主委早 今天的市場上有一個大新聞就是證券交易的市場上有一個大新聞大家都俗稱說聯發科今天抓去關其實是分盤交易聯發科市值超過兩兆美金它的股本這麼大那分盤交易它有一些規範是跟過去"},{"start":3076.587,"end":3094.739,"text":"分盤交易的其他的股票差異很大以前是股本很小周轉率很高那這一次是因為外資投資機構認為說它的認定聯發科的價值可以到多少那所以使得買盤大量湧入連續很多天都大幅上漲"},{"start":3096.065,"end":3113.953,"text":"導致分盤交易這個分盤交易的規範從很久以前定了那你覺得有沒有檢討的必要跟可能性其實當然委員就是資本市場不斷的在前進我們的法規制度不可能每天都改那我想說過去我們針對可能是為了"},{"start":3116.035,"end":3138.413,"text":"這個降低投機或是一些一些資訊上面的落差說我們會有注意股注意股達到一定那個條件就變成處置處置就會對他的交易呢做一些比較這個這個這個差異的這個管理我想大概就我們看到這當然是行之有年的一個制度那其實在過去我們台股不斷的往上這個這個"},{"start":3141.135,"end":3160.414,"text":"指數往上走 還有股價在上漲的時候我們已經有請那個 我們期局跟交易所這邊在研議各種制度包括那個區間 比如說我們有那個股價漲幅多少錢那我們曾經在內部也說凡是固定的數字 固定的比率經過一定時間以後都要好好的檢討一下"},{"start":3161.114,"end":3175.499,"text":"雖然昨天聯發科我不知道資料有沒有看錯他成交量是三萬多張但是跟他的資本額比起來三萬多張比例是低的所以那個應該不是周轉率的問題是他每天連續這樣一直上漲的問題"},{"start":3179.198,"end":3199.419,"text":"那台灣現在作為全世界AI跟晶片的硬體的最重要的生產基地已經無人可以取代所以當然股票市場有人看多有人看空可是你一個這麼大面額的而且這麼大資本的被你分盤交易這個對於股票市場今天的影響一定很大"},{"start":3201.437,"end":3227.234,"text":"對於這個投資人的影響一定很大所以這個是有必要要再檢視一下其實跟文報我剛才說過了其實我們在我們未來台灣如果要成為國際級的資本市場很多的制度都要檢討不是只有這個那其實很多我們都要根據我們未來性我們要做好這些準備跟調整但是任何一個制度行之有年突然要更動必須要做非常多的評估這個是確實要點時間"},{"start":3229.415,"end":3243.97,"text":"就像剛剛你回答前議員所提問的ETF還有這些基金可以買某一家公司其實就是台積電可以超過10%最高可以到25%"},{"start":3245.646,"end":3265.256,"text":"那你有說六個月內要檢討這個檢討可以啊如果已經買了你要叫他縮小就逼這些人馬上要在市場賣出那不得了啊不是我剛回答委員就是說所有制度我們經過一陣子我們都會來評估那委員是說希望他執行的效果如何再做個說明我們是不是要做一個討論並不是說我們六個月就要"},{"start":3266.437,"end":3281.14,"text":"我知道而且我之前有諮詢 徵詢過你你說那個制度的演繹已經演繹好久了一段時間跟大家說明一下不要好像被問的時候因為你這一段沒有得說明好像變成說我們是刻意在放寬他的交易你說明一下嘛謝謝我想喔"},{"start":3281.901,"end":3302.286,"text":"我想從應該是從前年開始我們就開始針對這些基金的一些管理就很多人提出來就是說台股的結構改變了我們對基金的管理比如說這裡設限10%這裡設限比如說幾%但是台股的結構一直在改變各位試想比如說在10年前台積電占我們的股市的比重大概可能只有10幾20%"},{"start":3303.868,"end":3315.817,"text":"但是隨著這個時間經過台電它的規模跟競爭力越來越強那實際上它站在台股的比重整個我們假設我們的基金整個制度基金必須要貼合我們整個的"},{"start":3317.097,"end":3333.567,"text":"資本市場的結構裡面就是我們股市所以這個是長期檢討的結果所以後來由我們的公會大家提出這個建議大家研討以後所以我們在去年就按照這個做了這一次接下來那個時候還沒有主動式ETF所以我們後來也針對這個議題開始去討論討論也就是提出這樣的一個看法"},{"start":3337.529,"end":3352.487,"text":"所以我們也參考其他國家的經驗比如說我們其他國家也有類似我們這樣的情形比較集中像韓國他們也是採取類似的做法我想大概是我們是用這樣的決策其實大家外界會說這是為了什麼什麼其實這樣政策是中性的"},{"start":3352.887,"end":3375.584,"text":"那這樣的話我們就按照這樣來做我們該讓我們的整個的整個資本市場管理這個結構要符合資本市場結構你今天呢說明就是要破除一個謠言說政府是為了要做多這個台積電所以刻意讓這個基金可以這樣買這個比例你這個是已經研議很久的政策那實施的時間已經就是本來"},{"start":3376.745,"end":3391.777,"text":"順序排就到這邊來去年五月做過就沒有這樣那個大家沒有這個說明只是不同的產品出來了我們當然要做一致的調整我想再來只是因為剛好可能大家反而實際上就會這麼說我想謝謝委員給我們這樣澄清的機會你剛剛講到要貼合貼合這個市場的變化有一些法令要變動結果想到工會來跟我澄清"},{"start":3399.864,"end":3417.51,"text":"以前券商他就是融資買進他只能夠到他的資本淨值的400%對不對不是融資買進就是他可以融資的額度他借貸出去的金額不可以超過他自己淨值的4倍"},{"start":3417.97,"end":3442.001,"text":"對啊就是百分之四百所以不可以超過四倍但是工會來陳啟他們要求提高到六百我那時候有徵詢過政級局的一些他們說原則上這個方向是對的但是因為要作業要有一個時間要嚴厲那嚴厲的怎麼樣了呢因為現在最近這個跟做多做空無關啦我要這樣解釋說我並不是說我要引導做多啦因為"},{"start":3443.585,"end":3468.501,"text":"過去的資本整個市場就像你講的過去可能只有幾十兆現在已經140兆要接近150兆剛剛今天又接近四萬兩千點所以你以前的那個淨值的百分之四百就是四倍坦白講在現在整個額度來講是很小所以幾乎目前市場上面很多券商都已經說對不起我已經"},{"start":3470.515,"end":3485.165,"text":"我覺得額度已經用完了沒有辦法再讓你融資買進了所以會產生這個問題那這個問題現在已經浮現了原來你們早就跟我回答說你們同意這個方向但是要做一些細節的演繹這個演繹的狀況到什麼程度了"},{"start":3487.406,"end":3514.979,"text":"沒想到跟委員說明一下這是他們在法規調適平台上面提出的建議啦那這個時候他們通常這個時候棋局就先交給交易所他們去研議他們現在在研議中剛剛委員提到就是說我們規定是400那我們也去了解了一下我們在應該上個禮拜也有跟外界說明就是說其實它整體的帶放的比例現在大概是1.59倍而已啦我們現在4倍它只有1.59倍那為什麼很多"},{"start":3515.379,"end":3529.595,"text":"很多券商都已經表明說我沒有額度了這個就是因為有些券商也許他已經逼近了三倍但是實際上我們也去了解所有的券商也沒有人剛好也到了四倍這樣的額度只是說"},{"start":3530.356,"end":3554.521,"text":"我覺得這件事情是一個我們制度都可以檢討只是說現在額度確實是有的那我們看市場是有的沒有到像剛才以前上次我們講說所謂的那個房貸七二之二的問題其實它現在水位還是一個還是剛才講1.59可是主委你在這樣講喔如果這樣交那個證券公司再去跟人家要融資買淨富額資格的人跟他講說我們沒有額度了他們就會"},{"start":3555.541,"end":3582.534,"text":"那個會跟證券公司抗議喔是不是故意抗議其實要不要做待放這件事情每家公司有些人做得多有些人做得少我剛才講是總數那有些人願意做得多再來他自己有自己的風險防控機制啊不是說我有40%我就做到頂就像我們那個企業之外不是說有30%不過這樣就很矛盾啊如果是這樣子的話那為什麼公會要來陳情說希望我們來促成提高到禁止的600%"},{"start":3583.96,"end":3603.062,"text":"這也是市場監理跟市場業者業者當然希望他業務範圍越大越好但是我們站在一個監理機關考量的就比較多會考量除了市場發展以外還有一個就是我們講的未來比如說風險管控的問題所以為什麼我們要訂一個上限就是這樣否則我就不要訂上限就好了正因為"},{"start":3603.622,"end":3629.625,"text":"市場的給大家合理化然後讓他這個中間很多制度的逐漸改善這個是很重要的就很像我們現在為什麼那麼多的ETF我很贊成啊這比散戶個人在那邊買要安全的多啦對不對因為這個機等於是變成類似一個法人嘛然後他這樣子來買就會變成有專業的投資者來判斷做這些事情是對市場的穩定是有幫助的"},{"start":3630.285,"end":3647.729,"text":"其實我非常認同那個委員的看法就是說我們會隨著市場畢竟比如說過去的4倍也是很早以前定下來的4倍是一個通我們可以再把它細緻化一點比如4倍裡面可以做什麼樣比如說我們在市場安全跟發展得到的平衡說不定可以再做一些檢討好"},{"start":3649.85,"end":3669.406,"text":"但是工會的陳情還是要就法令上研討現在在 既然在交易所研討就是趕快看看能怎麼樣把它完備啦好不好那加油 因為我們台灣的經濟就以股市的主張來講不得了這最近這半 將近半年來真的是不得了 一飛沖天台灣的市值已經是全世界第六大了"},{"start":3670.507,"end":3678.338,"text":"大家都在各国都在羡慕也让国家多了很多的税金所以谢谢你继续努力但是一定要稳定这个市场谢谢"},{"start":3694.365,"end":3718.651,"text":"謝謝主席以及各位先進有請軍管會的彭主委請彭主委委員早安主委早我現在看到幾乎這個股市熱呼呼的啦看到一到四月的上四季的平均成交量"},{"start":3719.733,"end":3738.716,"text":"上市PLUS上過1.09兆 將近1.1兆昨天到1.8兆這個是不是很快會破2兆會不會啊主委這個 謝謝委員我剛才已經說過了我是金管會主委我不會對未來市場做任何的預期"},{"start":3740.001,"end":3760.311,"text":"但是你要關心 我們要關心一個就是大家會擔心的是說會不會過熱 有沒有overheating所以我剛剛也已經重複過了我主管機關他在關心的並不是對未來他有什麼樣的預期我會做這個事情我是在意市場是不是公平效率安全跟有沒有市場機制發揮現在"},{"start":3763.786,"end":3778.199,"text":"因為我看到有些報導寫到了有政經公司每日的現代古葡萄牙縮水到10萬艱辛還舊一杯禁止這個是不是背後有你的影子在哪裡"},{"start":3780.071,"end":3801.157,"text":"其實就是剛才我們那個委員詢問的問題就我們過去很久以來我們對於這些證券商跟證金公司他資金取得跟資金貸放都有一定的規範這已經既有並不是這樣就是現在的規範就是這樣那各自他們在營運活動上面他們自己的選擇那當然"},{"start":3802.597,"end":3822.057,"text":"沒有我先問你是具體的啦因為這已經媒體揭露了說現代縮水到10萬而且借新還舊被禁止有沒有這回事啦我想喔我跟你講我們的規範就規定在這邊我們不會對日常營運活動去做任何的這樣的一個這麼細緻的指導到這種程度所以你沒有任何的指導就對了"},{"start":3822.918,"end":3840.735,"text":"沒有 我想這部分我們只是跟因為媒體有問我們說這個是不是要做一些調整我們也去了解一下就是說我們現在的規定就是長這樣其實很多那個實際的狀況我們就把它說明就剛才講跟前衛委員說明的一樣好 我們現在的市場態度我們現在再給你數字"},{"start":3841.455,"end":3845.398,"text":"因為今天我們關係這個題目因為大家現在看起來都會賺錢有人把房子抵押貸款投入股市之類當然說我們的住戶能夠賺到錢很好萬一這個Cycle很難說啊這個東西一來講金融會也是要去"},{"start":3858.567,"end":3880.784,"text":"沒有,我們在,我想在立法院,因為我講過多少次,就是資本市場不確定性高當然是這樣,我們說謹慎投資,注意風險管理,每次幾乎都是一樣這個大概就是一個大家對投資都該有的基本的概念啦所以你要不要再次喊話一下,請大家注意風險沒有,我剛剛就講過,過去我們監理就是一向中性的"},{"start":3881.104,"end":3903.025,"text":"那我就給你看一下具體數字我們2300萬人開戶的超過1400萬相當高比例實際進出了700萬余戶等於三分之一的台灣人投入股市最值得注意的我覺得成年人自己負責你看開戶的0到19歲"},{"start":3907.004,"end":3931.417,"text":"開戶數佔整個開戶的1400萬開戶的5%左右這個很可怕的事情你小孩子上課看手機看股市這個東西難道不值得金管會去注意這個現象目前這樣這是你們的資料這都是我們教育所的資料"},{"start":3931.937,"end":3952.817,"text":"待會可以請交易所起來說明一下我只跟委員說明一下就是說我們過去台股其實我們散戶參與率本來就很高我們過去長期都1000戶以上最近當然多一點但就像比如說假設我發現說我發覺考駕照的是以那個19歲到20歲人新增駕照最多"},{"start":3953.157,"end":3969.823,"text":"那當然啊因為它就是剛可以考駕照所以它當然增加速度是比較多所以我們看整個比重來講假設你從這個數字看好像這些年輕人開戶的比增加率比較高這當然是啊因為它的比重是以它來講所以你都不擔心就對了你都不擔心不是不擔心我還蠻擔心的人你都不擔心嗎"},{"start":3973.513,"end":3992.796,"text":"委員不要簡化這個問題 我只要說 任何人就像他開始他會參與股市對不對但我們我們看這個數字的本身就是因為這樣看好像年輕人都去參與不是這個意思就年輕人一定是在比如開戶上所以你認為就是健康的正常的"},{"start":3993.317,"end":4007.491,"text":"沒有關係是不是不是你是這個意思不是委員你都想把他簡化這個問題我只是跟你講素質最後我要簡化人家比較好下標啦沒有當然就是這樣子啊這個對年輕人積極投入這個金口會主委彭主委說"},{"start":4008.993,"end":4024.396,"text":"正面看待正面正常看待 這樣我就聽你下杯好了我沒有這樣說啦你這樣說啊 就這個意思啊其實就像剛才講說我們看出去I read your lips就是這樣啊我讀你的嘴 嘴唇就這樣子的沒有是不是這樣"},{"start":4025.578,"end":4034.907,"text":"那我第一點就看不到不過謝謝你的關心我只是說看到這個數字 背後大家把他簡化成就是說現在是正常 你認為都正常我想"},{"start":4041.873,"end":4067.275,"text":"剛才委員提到的這個19歲的這個數字事實上是正確的那事實上對交易所來講的話我們有我們有我們的制度的管理那我跟委員報告基本上我們對於像這種未成年不到20歲19歲我們都是整戶的管理就是說他基本上他有一些法定代理人或怎麼樣所以他的一些壽信或怎麼樣是整戶的去考量那個本主委我要請教你"},{"start":4069.036,"end":4087.392,"text":"你能不能夠他們這個年輕的低於就是還沒有滿20歲的類似醜陰一樣說醜陰有害健康什麼之類的你要不要說投資有賺有賠要小心風險啊給他囉嗦幾句彭主委祝福你賺錢但是要注意風險你不要嚇整個家伙這樣會死的嗎會死的嗎你會死的嗎我想委員祝福也很夠啦對我想說這個部分"},{"start":4096.476,"end":4116.616,"text":"跟委員報告 事實上來講的話 我們證交所 相關周邊單位都有到各個校園裡面做長期性的宣導所以委員你提的這些部分所以要注意風險對 我們都有要注意風險 然後呢 這個風險支付然後盡可能不要去舉債投入股市 會這樣說嗎"},{"start":4118.45,"end":4128.119,"text":"那是委員說的啦你不同意喔?委員一直希望把您的話放在我嘴巴講出來我好希望喔"},{"start":4129.949,"end":4146.562,"text":"謝謝謝謝委員我想每個人有自己不同的看法剛才其實林董事長也說了他針對比如說比較初入市場的這些的投資人其實每個人成年以後都有自己的決定權沒有這個沒有成年19歲以下的沒有我們現在就是等於說他具有這個開戶的權益的話我想對那個所以你還是"},{"start":4154.108,"end":4173.646,"text":"你不贊成說 你可以增加警語要不要?不是 我們不要講警話我可以請交易所去研議這樣對於不同的投資人如何去做好投資交易針對20歲以下的投資人他每次開戶 我們就提醒他投資有賺有賠"},{"start":4175.187,"end":4196.154,"text":"其實我會請那個交易所全面去研究各種不同的投資人,該如何去做投資教育,我想這個比較完整。對,我就問你,你可不可以加上這個分樓啦,這樣子。我說,包括我們的這個比較年輕的投資人,跟甚至有些什麼特殊的投資人,我請交易所來通盤來研究。什麼時候可以研究出來?"},{"start":4197.649,"end":4217.04,"text":"一個月可以嗎可以跟委員報告事實上來講的話不只是剛才我們昨天講的不只是20歲以下事實上我們現在新開復的人數事實上來講都比去年都多所以我們基本上我們現在是40幾萬第一季事實上多了我們現在開復的話是大概是去年的"},{"start":4219.801,"end":4241.377,"text":"我們第一季的話大概是去年的65%整年的65%這個數字那現在交易所現在除了房價以外我們事實上已經在市場推廣部已經想針對這些新開戶的如何新進到股市的不管各年級在做推廣我在看一個題目"},{"start":4242.378,"end":4244.699,"text":"來 說我們華贊杜華贊的經濟成長率13.69 3月底上市櫃的漲幅超過大盤的211家將近20%上櫃的161家18.5%也就是說"},{"start":4260.967,"end":4279.083,"text":"你進去股市除了除非你買到這20%或者你是屬於大盤的沒有賺錢沒有賺錢大盤也在漲還要超過大盤是OPFORM相對玉竹我們看到有些股票躺在那裡"},{"start":4280.384,"end":4296.957,"text":"所以我要講的是你過去以前推埔育計畫到現在都沒有縮小其實我們教育所經濟在做其實我剛才講說我已經講那個數字是說超過大盤的那大概兩成左右嘛上市櫃都兩成股價都不漲耶"},{"start":4300.72,"end":4316.079,"text":"你的埔育啊你的埔育啊你的埔育啊那埔育指數呢我請教育組說他們現在努力的結果跟委員報告事實上來講的話你上次關心的埔育的那相關的商品會在今年大概下半年就會出來了"},{"start":4316.88,"end":4338.494,"text":"下半年會出來 其他的埔育的指數的推廣基本上我們從5月我們交易所就開始有相關的法說會經濟成長率超過13%好歹平均的股價都要超過13%現在有些都沒有最後一個小問題請央行的長官一起來央行的長官一起來就是問你一下這個"},{"start":4346.118,"end":4351.803,"text":"這個現在因為今天談的是加密貨幣的事情虛擬貨幣央行的立場是不是還是認為虛擬貨幣不是貨幣我們目前還是認為這個是屬於虛擬資產虛擬資產但是現在有穩定幣難道是嗎"},{"start":4367.154,"end":4387.568,"text":"穩定幣比較特別一點點但是目前我們還是依據你們不介紹還是不介紹我就是提一個穩定幣都知道它是綁定綁定比如USDC或是USDT它基本上是沒有利息的但是現在在網路上APP裡面都看到它都有利息5%幾%這個有沒有問題啊來 主委 這個有沒有問題"},{"start":4390.49,"end":4410.403,"text":"他如果立出來說 你買我的穩定幣5%給你 這個沒有洗淨的問題我想 如果你有注意到 美國最近在熱烈討論的清晰法案裡面對這個東西有非常多的討論他說如果你沒有做任何作為的話 在美國未來是不可以就是沒有任何交易的價值提升 不可以提供這個報酬"},{"start":4411.764,"end":4439.678,"text":"等於說單純發行穩定幣持有人是未來在美國經濟法案上面是不同意的但接下來經過交易或什麼它是可以產生這樣一個報酬的我們最快台灣最快什麼時候可以開始正式開放每一個單位或者個人可以發行穩定幣就是等於說這個都取決在我們立法院的速度立法三讀通過以後就可以了三讀通過執法執法在六個月之內要完備就可以開始接受申請這樣謝謝"},{"start":4441.766,"end":4443.566,"text":"謝謝主席 有請彭主委來彭主委"},{"start":4463.056,"end":4490.027,"text":"主委好我想最近股民比較關心的問題就是聯發科要被抓去關的問題而且一路要處置到520這10年前的規範不管是撮合多拉長或者資金的管控其實造成了交易量萎縮還有價格的不確定的因素的造成那照說其實當初的這個規範是為了防止炒作那這權值股這麼大我就不曉得怎麼炒作二月份的時候曾經台積電也有差點被抓去關"},{"start":4491.247,"end":4512.487,"text":"全資股的二月份的台積電它佔市值的43.79老天啊這我不曉得這是要怎麼炒作法當初你們還有對外講說啊會延擬所謂的排外條款我請問一下這排外條款的進度怎麼樣主委你要不要透露一下那這樣的話待會我會請那個期局跟交易所因為確實啊我們"},{"start":4513.428,"end":4537.006,"text":"今年以來其實那個成長非常的快那其實我們也關注到這個議題了因為主要是剛才講很多千元股甚至萬元股都出來包括那個用一個固定的數字的集聚還有就是那個漲跌幅可能是當時剛才就像委員講的過去的制度一定有它合理的時空背景但現在時空背景動了那是不是要改要改是不是"},{"start":4538.528,"end":4556.009,"text":"這個隨時都要有必要就要調只是說調整的過程當中已經經過十年你哪有隨時啊沒有沒有 這個因為我們制度的改不是說今天改之後明天就改了不是它整個東西要做你到底有沒有排外條款我就問你嘛我可以請現在有沒有排外條款你二月就對外講說可能有排外條款啊"},{"start":4556.73,"end":4564.772,"text":"那現在已經五月了啊那之前是台積電啊現在是聯發科啊之前的市值是佔43.79啊這個市值是33.311啊到底態度怎麼樣要怎麼處理啊這顯然是不合理不是嗎"},{"start":4573.515,"end":4593.231,"text":"如果針對台積電的部分來講的話那事實上來講,以我們現在的條款台積電的這個狀況它只是會是一個,它不會到處置這個機率基本上是沒有的它只是會是警示的機率基本上是沒有,就是不可能會被處分的台積電是不可能會被處分的不會到處置的部分那只是說公告注意"},{"start":4599.276,"end":4623.816,"text":"這樣子而已 因為我們現在的華國那是不可能被處分的嘛 那蓮花科就有可能?欸 蓮花科今天就就看全職大小 就有豁免條款以現在的條款來講 今天就處置了 就到520啊那我要問的是說 全職當初的重要的原因是要防止炒作是股本小可能會被炒作的原因 可是這基本變好"},{"start":4625.39,"end":4646.844,"text":"然後漲幅大,反而被連累,那你不覺得很奇怪嗎?事實上來講的話,我們針對這個部分沒有錯,那個過去的基本上是沒有錯,是一般大家怕炒作啦那現在狀況是不一樣,事實上我們跟崎嶇已經有在研究了研究?研究什麼?"},{"start":4648.171,"end":4675.638,"text":"排外調緩我們現在我們有很多種方式那是不是容我們再跟你報告 啊研究要研究多久董事長研究要研究多久你二月份就對他講了那個主委下個期是吧一個月可以不可以因為任何制度的變更都攸關整個這樣子啦我不要說你制度形成啦你一個月一份報告出來啦好不好可以可以吧可以可以把這一個呢不合理的這種狀況呢做一個修正的方向對讓股民"},{"start":4676.418,"end":4696.644,"text":"不用那麼擔心嘛以前是炒作面的問題現在是基本面的問題你也不去看他原因然後同樣的方式在這一直砍這不對嘛好不好委員指教得很好啦我想說這部分他們剛剛已經提到說他們已經正在做對 正在做那一個月教他們"},{"start":4697.264,"end":4721.585,"text":"提出一個報告出來OK嘛 對不對做一個比較完整的防止無辜被連累的這些權值股嘛造成這個股民的憂心還有資本市場的混亂啦可不可以可以啦我想健全資本制度我們都盡力來做好那今天拿到今天的主題今天的主題呢我們有關的那個虛擬貨幣的部分的服務法的部分呢 主委"},{"start":4723.045,"end":4744.173,"text":"這裡頭有一個很大的問題我自己也提出一個版本第一個問題就是說當你現在的交易所接下來要有保管的需求的時候根據你院版第27條從事保管業務必須經過經管會的同意問題是這些業者或意圖落地的境外業者可能委託的是給國際的大型的保管商"},{"start":4744.873,"end":4757.294,"text":"也可能發生金管會有發牌給交易所或者是沒有發牌給這個保管商那這種沒有保管商的情況底下他怎麼去進行他這一個交易行為對 所以說"},{"start":4759.953,"end":4782.715,"text":"這個出現問題啊 有一個過渡期啊對 這個其實剛剛委員提到的確實是比如說我們在真的在法律通過合規落地的時候也要一併的處理比如說我們在跨境這些交易的情況我想這部分我們已經在著手你要去面對這個問題啊 要找一個過渡時期啊"},{"start":4783.035,"end":4806.925,"text":"如果國內的這個保管商沒出來的時候,國外的保管商要如何落地,這個業務才有可能銜接啊這是現實上以後的市場面的問題這我們有在做,謝謝委員提醒對,這是第一個很重要,第二個呢,你現在八家的虛擬那個資產業者真正有賺錢的,不要說賺錢啦,打平的大概只有一兩家啦就是BITCOIN跟MYCOIN,這兩個呢,主要的原因是在於他的"},{"start":4807.685,"end":4835.326,"text":"那個用戶數比較多可是就現實來說我也去google查了一下真正讓這些虛擬貨幣業者得以生存下來的第一個其實是隱身性商品的交易可是你的現在的官方的版本是禁止的沒有委員你誤會了我們在多次就提到就是說我們在裡面已經在講說我們未來在裡面有其他業務的部分我們在逐步來開放逐步開放"},{"start":4837.769,"end":4850.787,"text":"重點你要如何透過限制他的幹感倍數來控制他的風險讓他在手續費之外的情況底下多一些衍生性商品"},{"start":4851.548,"end":4869.054,"text":"交易所得的來源這些業者才可能活得起來啦好不好當然他有很多種經營的業態跟那個營運模式啦剛剛委員提到說像比如說他們現在做最多的永續合約這也是應該是很多國際上非常非常常見的你去看喔"},{"start":4869.474,"end":4888.601,"text":"靠手續費最高收益只不過15%到25%而已喔這很難生存喔產業更難健全化喔我希望喔那個主委啊還有看那個規模的問題啊沒有對還有規模問題那關鍵就在你剛剛回答了嘛你到底衍生生產品你所開放的幅度還有所謂的漸進這個關鍵如果讓它產業健全化我同樣要求主委啊你要一份報告給我啦"},{"start":4892.922,"end":4920.95,"text":"那這完全沒有辦法我放心嘛這為什麼你知道嗎這跟委員講這個部分可能就要久一點你如果沒有這樣子國內的健全化的話他會跑去哪裡你知道嗎他會跑到境外去為什麼跑到境外你未落地的境外平台就一堆我舉一個現實上的例子現在網路上就一個網紅他的粉絲數呢有超過46萬之多他就用一個所謂的優惠的這個密碼可以連結然後加入境外的一個平台"},{"start":4922.351,"end":4948.691,"text":"這第二個交易所全世界最大的交易所叫BybitBybit就是第二大交易所啊它這個是有跟我有查到事實喔在這邊喔這種情況底下有沒有違法我問一下主委現階段的部分呢因為我們這是拉客這是招攬欸對現在你們是禁止的不是嗎沒有我們現在是還在採登記制的這個過程嘛對對"},{"start":4950.813,"end":4966.842,"text":"所以他現在有空間啊照我剛剛講他希望立法通過以後給我們更明確的授權當你整個國內的這個產業沒有辦法健全發展的時候國內的平台不能符合消費者的這個需求的時候他就會跑到境外去"},{"start":4967.242,"end":4981.694,"text":"所以我們現在大家就正往這個方向我們來全力來努力那你如果要健全國內的業者你第一個要去第一個你要如何避免境外平台的這一個流動的產生第一個嘛第二個你專法通過之後有沒有可能限期"},{"start":4982.952,"end":4998.828,"text":"清退他的資產就像那個小紅蘇一樣或者斷然的財與斷網的部分有沒有可能我們從其他國家在接軌落地的過程當中跟境外的業務的處理已經有一套模式我們有很多可以來參考對"},{"start":5000.57,"end":5024.988,"text":"對 沒有錯 但是 主委你呢 裡頭所寫到的規範當中啊招攬行為 你只有提到金保法的規範啊你沒有像投信投顧的行為來規範啊那是差很多 投信投顧行為就是多層次傳銷由公平會的這個制定的方式那是規範是不一樣的我請主委齁 將來我們還有機會在討論法案的時候我們再持續對話是 但未來執法的規範裡面對於"},{"start":5026.389,"end":5041.469,"text":"比如說它的銷售行為這些部分我們也會針對這個內容來做比較細緻本席比較關心的是你訂了一個不法令沒有辦法健全本土的業者反倒是造成本土的客戶流失到境外去"},{"start":5042.29,"end":5059.891,"text":"沒有做一個適當的規範這是我最擔心的地方這其實我們可以預想這個法律通過以後日後我們還有機會做對話我只是說先做提醒你說Fintech的部份的監管裡頭你看不到路徑你如果一旦市場先行必有災難"},{"start":5061.552,"end":5082.708,"text":"從以前的境外的這個那個看到我們看FTX也好或ZPAC也好都有很多詐騙行為或者是P2P也好或者是先買後付也好全部都有這樣的行為主席再給我一分鐘就好了剛剛比照賴思華就好了這種情況底下大型的這種監保法跟自律規範這是很關鍵的"},{"start":5084.309,"end":5110.275,"text":"主委我最後建議一個部分過去黃天牧主委在擔任的時候他相對外界來看到相對比較保守您是比較開放的可是黃天牧還有一個Fintech發展路徑圖的2.0你到現在還沒有彭金榮版本的3.0我們正在接續2.0下面的計畫所以你3.0什麼時候要出來我們可能不叫3.0我也其他的另外一個計畫"},{"start":5111.255,"end":5134.81,"text":"好 謝謝國務委員什麼時候 你給我講的時間嘛我們現在已經請創新助政在做了他什麼時候 給我一個時間好不好我已經問過這個問題了我後面還有好幾題沒有問六個月六個月好 來 六個月之內書面答覆好 我們結束郭國勇委員的質詢 謝謝因為我們今天質詢的人非常的多請大家要控制時間請林代化委員 謝謝"},{"start":5142.059,"end":5148.195,"text":"好有請主委喂好"},{"start":5149.11,"end":5172.165,"text":"好 本席要針對我們台灣的資產管理市場來跟您做請益那我們現在在高雄有亞洲資產管理中心從區域事辦到是不是要全台落地本席也想釐清你所謂的全台落地的規劃是什麼是不是能夠解決目前你制度的缺陷與風險的挑戰"},{"start":5173.866,"end":5197.827,"text":"好我們來看一下其實你們非常的用心你們在上禮拜的時候開放了一個稍微百年信託讓錢留在台灣能夠呢讓這個代代課稅我們這個贈與跟遺產稅啊每一代都要再課一次你們解決了代代課稅這個問題只要在成立信託的時候課一次稅然後呢這個存續時間啊也可以達到100"},{"start":5200.128,"end":5226.639,"text":"讓臺灣富華不再依賴國外家族辦公室來接軌國際這是本席肯定你們的用心那再來呢這個對不起啊這個你們這個這個這個這個為什麼很難按呢主席不好意思換一下好不好好來我們就下一頁好了來好往下"},{"start":5229.855,"end":5238.803,"text":"高雄市辦區確實有爆發性的成長市辦9個月的數據證明了台灣民間具備龐大的財富儲備與資產管理的潛力資產動能達到2兆新台幣客戶規模有2萬產業生態有56家進駐我們亞洲資產管理中心確實是有一個地理範圍那就在我們高雄下一頁"},{"start":5253.695,"end":5275.841,"text":"然後但是呢本席可以看到這邊所產生的一個極大化的成本是來自於破碎的間諜導致我們橫向的斷層跟縱向的孤島我們在資產管理中心當中有銀行證券保險頭信那客戶呢在銀行完成KYC封控之後及身份核對就要如果"},{"start":5276.101,"end":5298.113,"text":"他想要跟投信合作 他就必須再重新跑一次KYC好 這是在橫向連結 縱向來講 分業管理這個證券業 銀行業 保險業 投信業 個資維生客戶如果要完成投資組合的話我就要洽詢各方 手續是非常的繁瑣好 這個亞洲資產管理中心本期開始要釐清了"},{"start":5299.173,"end":5315.374,"text":"那主委您說啊這個5月底的時候要有一個專訪亞洲資產管理中心專訪那貴委員會呢的銀行局呢這個副局長他就說了他說了我們現在啊這個是以現行命令啊"},{"start":5315.994,"end":5342.406,"text":"現行的行政命令來解決當然沒問題如果要走法律的立法途徑要一個經濟規模立專法呢也是選項之一尚無定論那到底有沒有專法呢那到底你們現在在用行政命令你們各到底是要解決什麼問題呢來主委是謝謝委員關心剛剛提到就是確實委員真的是對這邊很用心的去研究"},{"start":5343.286,"end":5353.717,"text":"那過去我們是採分業管理銀保證有不同的規範主要是它的那個監理強度也不同我們對銀行的監理強度跟受險應該是會比對證券來得高一點所以"},{"start":5356.417,"end":5377.564,"text":"在比如剛剛提到那個KYC我們現在正在去把這個打通正在我們在研議這件事情剛剛委員提到那個專法的概念是這樣我們現在從開始推動我們在高雄設立一個實驗專區那實驗專區就是說我們對一些新的事辦業務在各個金融機構對它風險掌控我們還沒辦法完全能夠"},{"start":5379.565,"end":5397.62,"text":"清楚的覺得他有這個能力的時候我們先以在一個區域做示範所以呢但是這個地方我們並沒有提出任何一個法律的這個支持所以我們當初是用個示範辦法來做這件事情剛剛委員就提到說那這個專區以後是怎麼來做呢就像我們今天已經快一年了"},{"start":5398.46,"end":5419.106,"text":"這一年有些業務我們就發現說其實我們的銀行或是我們保險證券公司已經有能力做在全台都可以做的話我們就會讓他除了專區以外可以到其他的地方可以做那有些地方呢還可以繼續再做實驗還繼續再做我就繼續留在高雄這樣我們也會放新的東西進來放在高雄裡面呢由高雄這個專區先做一個示範"},{"start":5419.906,"end":5442.235,"text":"各位就到這邊所以你是研議就現有的事辦辦法要把它提升為專法也不是這樣子我先跟委員解釋一下這個但是畢竟剛剛委員也注意到了如果只是靠這樣的話它顯然很多的強度無法跟國外在做競爭所以我們需要有一部法律未接的方式"},{"start":5443.716,"end":5465.609,"text":"來解決這個我們未來要促進台灣成為一個具有國際競爭力的資產管理中心的時候我們必須要做很多很多的那這個到底你的專區是實體的你要開放是實體的開放真的每一個縣市都可以自久報名嗎六都各自報名嗎非六都是不是也有資格呢這是第一個"},{"start":5466.249,"end":5492.872,"text":"那第二個那高雄的這個專區的這個特性又在哪裡呢那我就會問我們像我們的台灣的面積是香港的將近32.5倍台灣是新加坡的50倍的面積他們一個彈丸的城市彈丸的國家他可以吸引全世界的資產所以你說以我們國家比他大這麼多那我們就要設立"},{"start":5493.533,"end":5513.456,"text":"好幾個專區 可能遍地開發22個縣市 23個縣市我都可以參與喔你說彰化不行嗎 彰化好多隱形冠軍耶那些都是殘骸 我中的殘骸耶他們那種小小的一個技術都是賣到全世界 你都看不到耶那我彰化縣可不可以不是只有那個"},{"start":5514.557,"end":5537.151,"text":"半導體群聚的新竹市新竹市縣那個一個群聚才可以成立這個成立專區呀那是不是你的開放是地理位置實質的開放還是說好我只是相關的業務以高雄專區為主只是你在各銀行端各證券等等他的相關他的總部可能在高雄各縣是你方便"},{"start":5537.871,"end":5563.772,"text":"讓他在各縣市呢 接案然後呢 這個回歸還是在這個資產管理中心做一些比較統合性的的規劃 這個所以你的專區包括好 你說這個日本目前也在規劃資產 他們的資產管理中心那他也不過四個縣市喔北有雜荒 南有福岡東南 南部這邊就是東京大阪"},{"start":5564.452,"end":5591.488,"text":"他的面積我們是日本的十分之一跟十一分之一喔他們也不過四個啊然後呢這個英國也算大了吧全世界頂尖的吧他也不過兩個城市北有愛丁堡南有倫敦來做輻射喔所以你的全台開放我非常的想納悶跟理解那我亞之中心的獨特性又在哪裡呢跟你的專法好再來"},{"start":5592.048,"end":5618.152,"text":"因為時間的關係我一直問到底再來好那你這個專法其實亞洲資產管理中心的核心問題還是負稅的競爭力跟風險的管理配套你的負稅競爭力在哪裡香港新加坡他們對於海外利得是不課稅的好那我們站在亞洲的一個市場來講你怎麼拚得過香港跟新加坡"},{"start":5618.692,"end":5643.219,"text":"好那就再來喔新興融資工具喔你們這也是報宅我都看現在整個台灣金融這個財務管理市場呢其實最大的這個消息來源叫做報宅金管會的報宅那我都不曉得那是真的假的好那你們說了要輪巴底的貸款喔也可以引進喔哇那這個可是神喔我們一般喔拿"},{"start":5643.939,"end":5665.84,"text":"投資換是一種投資換現金過去我要借錢我必須拿拿這個硬核的這個固定資產不動產來借錢現在不是我們允許了手上的股票債券基金也當地押品來跟銀行借錢這個一個相對高度槓桿的金融工具在市場劇烈變動的時候風險他是跟一般貸款是來的"},{"start":5669.343,"end":5690.345,"text":"高太多了那你怎麼對於如果倫巴底貸款也引進在這種專區當中的話你的即時封控系統或者高槓桿的帳戶監理方案是什麼或者他又變相的成為第二波的TRF的災難千億上兆元的"},{"start":5691.705,"end":5716.531,"text":"隱形資產我們國內最底層就這樣不見了都在國外的這些銀行當中那真的是這個真的是太可怕了然後你社會公平性我們當然要服務這個金字塔上端的人那對於我小資族你如何讓我台灣的小資族你們也很用心推出了一個TISA台灣個人投資儲蓄賬戶那這個本席就要希望啦你在這個專區當中資產關係怎麼加匯"},{"start":5719.952,"end":5739.089,"text":"我這種個人投資儲蓄的帳戶我可以共享資產管理的紅利那這些東西你要不要研議開放然後你是不是要用專法或還是用行政法規去處理或者你現在成為專法我覺得也沒意義從行政區當中是不是要實體的擴大"},{"start":5740.43,"end":5766.211,"text":"我們一個蕩亡的國家人家一個小國家新加坡就可以招募全世界我還要再怎麼開放還是你是一個行政的辯解這個到底要理清楚好我們來看香港新加坡台灣香港新加坡我們的資產現在9個月多你就2兆新台幣我們不可以自以為傲為什麼香港的資產是3.99兆美金新加坡是4.1兆美金"},{"start":5767.672,"end":5796.926,"text":"美元喔美元喔所以他們兩個國家對於海外交易所的是不課稅的那我們到底要不要課好 下面好 順便你就直接回答我這幾個問題因為我的具體建議也是這個剛才所問啦也希望你們在資金真的真的帶動了產業的發展能夠建構數位化的風險監控跟預警的機制尤其那個loon party的這個資產進來這個工具那以及我們建立了"},{"start":5797.486,"end":5816.124,"text":"制度的橫向跟縱向的配套其實這個東西是不是要透過立法根本有時候不需要那包括全民資產管理中心是要全民的引擎所以租稅優惠對等的機制我們利用金融科技的彈性來降低私募股權跟投創基金等的認購門檻"},{"start":5817.845,"end":5841.221,"text":"對戴華我本期來講我最在意的我們民眾的小額資金是否可以參與高端投資的標的好謝謝請主委到時候用書面答覆因為我們今天有很多人因為委員的問題每一個都很大是不是容蓮我安排的時間直接跟你們好好謝謝我們結束林戴華委員的質詢接下來請劉書斌委員"},{"start":5859.064,"end":5860.89,"text":"好 謝謝主席 那有請彭主委"},{"start":5864.753,"end":5879.867,"text":"主委好好主委好那我們注意到聯發科最近因為外資看好而且是產業的利多就連續三天他已經拉出漲停板那現在因為六天的營業日累積的出盤價已經漲幅達到35.82就已經被列入到的是儲置股那當聯發科甚至是這樣"},{"start":5888.234,"end":5912.65,"text":"台積電這種撼動全台股半邊天的全職巨售被迫套用到中小型投機股一樣的這種機制的時候並無法保護投資人這個大家都知道說今天的新聞是這樣子那最重要是因為他撮合的時間間隔拉長那撮合的延遲也會影響到這個大盤的指數失真等等那交割的限制也會讓他限制的外資的流動"},{"start":5915.191,"end":5928.949,"text":"有這種流動性的風險而大舉的拋售線或是轉向放空那這樣本來是一個保護的這種降溫機制就會引爆這種市場的恐慌性的導火線那最重要想問的是說面對這種股本龐大還有"},{"start":5931.552,"end":5953.493,"text":"極難被人為操縱的大型全職股那現行的交換體制當中是不是應該要去做增訂像大型全職股的豁免條款以避免監管的工具被破壞市場的穩定性現在的監管會的一些處置是怎麼樣謝謝委員關心 早上也有兩位委員也針對這個問題提出了這樣一個問題我想我剛剛也清楚的說明 這個機制嘛 對不對我們對這個"},{"start":5957.276,"end":5983.599,"text":"規範當時在提出的時候一定有它合理的理由但是因為隨著時間經過確實我們都是始料未及大家都沒想到是這樣的狀況那制度本來就應該要檢討剛剛其實交易所董事長也有針對這個做說明過去我們台藝店曾經發生就是注意股那他們也做一些處理那現在比如這個事情剛剛他們也說我們會來針對這個東西來做一個你們要觀察多久才會決定會有下面的一波動作"},{"start":5984.56,"end":5997.34,"text":"當然就是說一個制度我剛才也提過一個制度大家可能認為說這個可能你現在覺得是這樣馬上要改這不太可能一定要時間好好去研議它最後改完以後的結果那你們現在觀察的指標是什麼"},{"start":5998.1,"end":6027.037,"text":"不是就是說剛剛那個制度本身當時訂定的時候是有它的地方只是大家沒想到今天是比如像剛剛委員提到你們剛才因為有演繹我剛才聽到的前面的第一位委員林德福委員應該是第二位委員有講到的這部分你說你們有在演繹嗎我希望說這部分演繹的方向應該可以跟委員們透露這才是讓市場可以穩定的一個方式就像比如說剛剛委員提到是他再把它細分再清楚一點什麼股票會適用就像委員提到了比如說很多人提到規模"},{"start":6028.378,"end":6041.852,"text":"對某些什麼情況可以做一個例外的排除對不對大概是這樣的一個方向那這部分的話希望說持續的跟委員溝通這部分應該就講好那我們現在就下去看金融科技的"},{"start":6044.595,"end":6060.687,"text":"產業聯盟是金管會目前積極在促進的要成立的創新科技母基金我們現在看到根據資料這個基金的規模高達100億元由凱基金控來召集出資民間的出資是60到75億那國發基金預計是出資到25%到40%"},{"start":6066.331,"end":6096.011,"text":"那這個基金當中呢他最近採取的是一個母基金的模式那我們當然就是會希望說這母基金呢他不是直接去投資創投的公司而是他投資的是海內外的創投基金嘛那這樣的情況看起來很國際化可是事實上他一層一層的母基金要收費到他的下層的這個創投海外基金又要收費會不會說真的落入到創投的公司的時候呢他的次數到底有多少個那第二部分說如果是他要去"},{"start":6096.771,"end":6111.381,"text":"因為他會是投資的是海外的就是會投資到就是會把這個基金調到對海外的創投基金那這邊能夠確保說到時候會不會是投資到別就是我們敵對對手的這樣的一個公司來對我們進行競爭當然這邊不能"},{"start":6114.443,"end":6139.052,"text":"主委你怎麼回覆委員這個剛剛我在報告裡有提到就是我們這個金融科技產業聯盟裡面有個工作圈就是有關這個如何去做這個創投基金投資金融科技我們現在這裡面有兩個軌一個軌就是由剛剛委員提到由凱基金控來負責的他去成立一個類似這樣去募一個類似一個這個PE放"},{"start":6141.363,"end":6167.11,"text":"這時候是他們各自自願性去參加就是比如這樣那另外一軌就是我們整合我們金控每一家幾乎都有創投把那個創投呢把它整合就像我們這樣銀行做連帶一樣專門以投資國內的這些的這個金融科技那個新創產業為主那剛剛那個批放的是投資國內外剛剛那個比如說國發會那邊我們也跟他協調就是說國發會本來就有一個"},{"start":6169.639,"end":6184.934,"text":"投資他意思說如果說我們未來投資的標的他也認可的話他也會相對投資但是投資國內的金融科技為主所以你們這個有一個審核的標準或是撥款的標準會出現嗎沒有這個是他們業"},{"start":6186.575,"end":6215.151,"text":"業者自主可是金管問題不要忘記喔你們是監理的部分啊如果這樣子到時候有了我們有20 100%裡面的我們是25% 40%那如果有40億在這邊的話到時候是不是賠了怎麼辦呢那個是國發基金他自己會去評估要不要投那我說這個都是他們我們成立金融科技產業發展聯盟他們是自就是業者自主政府是沒有沒有在投資我們是請那個你們有國發基金未來要投啊國發基金他也是按照自主他覺得他"},{"start":6216.351,"end":6223.498,"text":"他要投不是說我們這邊投他就要投不是的所以你說國發基金其實有個狀況是狀況核在投當然國發基金也是國發基金當然會謹慎的去評估但我是說你們這邊部會當中的金管換分國發會這邊對於說新的創新科技母基金這樣子的一個投入你們沒有還沒有制定的一個機制包括"},{"start":6241.139,"end":6257.051,"text":"審核跟撥款的這個其實還沒有在研議嗎國發會那邊他本來就有一個基金在做國內這些投資他們自己的這個那我們是產業界金控公司他們自己希望說我們希望我們來鼓勵我們的金融業投資金融科技新創"},{"start":6258.132,"end":6274.224,"text":"那我們就兩軌一個是由幾家金融公司主導我知道你剛才已經說過但是我的意思是在於說你們這是金管會這兩個是合作的那金管會你是監理機關吧這個是基金的嘛對不對其實這個是跟他講業界自發性的我們是去籌組這個平台"},{"start":6276.081,"end":6292.721,"text":"市場但是你們是指導成立吧對不對對我們對嘛你就指導成立到時候萬一有發生問題的話你現在又把好像把這個責任又推了一些沒有沒有他這個他這個部分的話我們這個國發基金他當然有他自己的投資的規範跟投資的標準那您知道嗎"},{"start":6293.422,"end":6314.703,"text":"就說基本上是符合的我們有去跟他談過就說我們以後會來合作比如說我們這邊的業者如果說他看到好的標的他也會去找國發經濟一起來看看如果符合他他大家就會投資因為您是指導成業這部分請你不要忘記這部分還是屬於在金融科技業務所以您對於說他以後要去"},{"start":6316.544,"end":6341.194,"text":"審理或是撥款的標準上你一定要發展一個主導角色國發或基金的部分當然是還有很多的領域當中它其實都可能都很多但是這部分是屬於你的專業部分絕對是要一定要把這個標準上你要合作當作主導的一個機關來去呈現那所以說那些比如說他們第二個軌道監控自己的創投他們去整合比如說今天有個創投說我覺得有一家金融科技也不錯他就去透過這個平台"},{"start":6342.614,"end":6370.512,"text":"這個集合各家的創投機投資來扶植本國產業主要我最後一個問題是他們經營範圍的一部分啊但是你們要去合作因為你還是國發基金還是有會預計要扶植這些錢但是你是所謂指導的基因管理會所以你這部分應該是我今天是還沒有看到你有告示去承認說這部分的話你在跟民間的合作這是私募系的但是因為我們國發基金有錢在投資這邊未來的話你們應該是先請問一下大概這個地方什麼時候開始會運作"},{"start":6371.933,"end":6387.029,"text":"我們現在已經請他們開始運作他們當然已經在我們這個工作圈已經成立有一陣子了他們自己在這是我剛跟委員說明就是說我們是國發會那邊是國發會它是一個我們只是一個合作他們那邊我們儘管會是沒辦法去這個"},{"start":6389.331,"end":6410.519,"text":"這做什麼我們只是希望說我們有好的標的國發會能夠一起來來輔助台灣的金融科技所以這部分你的意思是說包刮是他的透明的審核跟撥款的標準應該是問國發會的是不是他們自己的 我們這邊的產業聯盟自己的開支 這樣子的想法金管會主委您這樣子 彭主委您的這個智慧跟您在說負責監理的這個擔當並沒有呈現出來如果賠錢了怎麼辦"},{"start":6414.801,"end":6425.477,"text":"就你說是國發基金在講的 可是是您有正式在引薦的部分啊我要想這個 我希望喔 主委你這部分要擔起責任 是不是可以再說在一定的時間內 我說預計多久要呈現時間 就是它會運作"},{"start":6429.917,"end":6450.787,"text":"我想這個委員你可能誤會了我們整個機制運作的模式這不是政府拿錢去投沒有我知道因為有部分的我們只是整合金融業的資源讓他能夠一部分能夠投注在我們的金融科技產業上面並不是那國發基金本來有他們自己投資的一套這也不是在金管會所能夠"},{"start":6451.747,"end":6473.3,"text":"所能夠影響的範圍當然是您剛剛已經說了 您是指導成立的金管會嘛所以這部分 主委我覺得還是應該相互協調的責任還是要呈現出來啦這部分我想要讓你知道這部分是不是可以繼續跟本期就最重要的後續的就是不是後續 到現在到目前為止的部分來跟本期做一個資料報告嗎我想我找時間再跟委員清楚說明我們這個所謂的這個產業聯盟裡面的那個投資的整個的架構"},{"start":6477.662,"end":6488.416,"text":"因為這部分是非常重要的有這樣子的一個雙軌我覺得這是肯定的但是金管會幫你扮演什麼角色必須要這邊澄清出來那希望對你剛才已經說到大本席這邊來再跟你說明清楚一點可能你有所誤會啦謝謝我覺得不是誤會因為你是這個指導的責任在這邊喔"},{"start":6495.785,"end":6513.382,"text":"那這邊你負責又是在科技的科技的金融這一部分你不能夠推卸這樣的責任我沒有推卸我只跟委員解釋這個架構好 董事長私底下再跟謝謝 謝謝好 謝謝董事長找機會多做溝通來接下來我們結束羅書斌委員的質詢接下來請羅明才委員"},{"start":6522.799,"end":6550.552,"text":"主席各位出列習慣元台主席可不可以請金管委員會的彭主委央行謝局長蔡局長還是謝局長蔡局長還是謝局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡局長蔡"},{"start":6551.872,"end":6577.6,"text":"哇,你來了以後,可以說是股市嚇嚇叫,搶搶滾主委,這樣啦四萬點嘛,四萬點的時候,找一個時間啦每一萬點我都請吃雞排,喝珍奶四萬點已經到了,你想要吃什麼?"},{"start":6581.274,"end":6600.697,"text":"因為我上次講過,三萬點吃完四萬點,應觀眾要求,說那要再增加一樣啊你有沒有覺得想要再增加,看要吃一個什麼振奮人心的,代表台灣或代表台中都可以啊"},{"start":6602.635,"end":6622.244,"text":"這委員比較有創意委員自己決定好啦我來決定那天楊卓英跟我講說你弄一個太陽餅後來想想也不錯因為太陽餅吃下去台灣股市就像東方高升的太陽一樣現在台股"},{"start":6623.524,"end":6647.68,"text":"占全世界的排名大概是他的成交量他的市值第幾名現在是應該是第六左右第六名啊哇 這個是讚嘆令人感恩啊台灣有這樣一個那麼好的一個情況可是剛剛講說這個四萬點會不會占得穩啊這個"},{"start":6653.732,"end":6665.955,"text":"我可能要重複那句話其實金管會是主管機關不會對未來做任何預期好 那問一下央行好了我們外匯成底現在也是"},{"start":6667.512,"end":6688.569,"text":"直直升啊現在外匯存底現在有多少昨天公布的數字是6024.88億美元這創新高還是算恢復比二月的時候因為我們三月外資有出去稍微少一點點但是是稍微回來沒有帶創新高我們看看外資喔滾滾而來啊來了"},{"start":6692.13,"end":6709.549,"text":"六千億的外匯存底大概就是台幣大概快不到二十兆它來到台灣都是做什麼使用外資目前在台股的市值跟我們外匯存底我們有公布按照四月底的數字是268%"},{"start":6712.458,"end":6730.344,"text":"那外資當然是投資台股為主啊在流入台灣是以投資台股為主所以外資投資台灣的這個水位大概有多少就是剛剛提到的大概是1.6兆美元那1.6兆美元大概是我們外匯存體6千億的2.68倍"},{"start":6734.374,"end":6758.702,"text":"那現在等於是外資比重佔台股的比重還蠻高的因為現在整個彭主委我們現在總市值是多少現在因為每天都要動應該超過應該接近140兆吧大概140兆所以140兆裡面大概外資可能就接近了快三十幾三四十兆我們最新的數據應該它一直在45跟50之間波動大概47 48左右對"},{"start":6762.603,"end":6776.173,"text":"那麼我發現全世界的錢喔它一直湧向台灣是為什麼啊它其實不只到台灣比例上對比例上到亞洲像韓國日本這些都是"},{"start":6778.555,"end":6803.413,"text":"韓國 日本 日本也創新高了對 幾乎其實委員如果關注國際上的股市在今年大概如果說扣除228以前幾乎都創新高很多 像比如說歐洲的股市還有像比如美國股市 亞洲 台 日美 那個不用講這波全世界股市的漲幅 以及它的輪動大概看起來比較強的就是台灣"},{"start":6805.073,"end":6832.158,"text":"韓國一點點日本有一些韓國今年漲得更多是今天漲大概75到80%對那為什麼新加坡不漲新加坡也有漲只是漲得比較少它今年在3月應該也是創歷史新高香港呢香港沒有對 為什麼當然我覺得它整個的經濟的結構的關係還有就是它所謂的經濟腹地的影響對 其實所以在香港啊它沒有"},{"start":6833.257,"end":6857.444,"text":"半導體在香港也沒有AI周邊的這些企業所以全世界一些現在走的潮流他們都把重心放在半導體以及AI周邊是不是這樣子我想也可以看到這個趨勢從美國為主導的包括現在亞洲這些所謂的合作夥伴上面都呈現這樣一個情況那既然是這樣全世界的錢"},{"start":6858.786,"end":6880.582,"text":"如果AI確定它的發展未來一波又一波那台灣未來前景可期啊台灣的基本面從幾個產業確實是我們不管我們的從我們主計處還有各個單位公佈的經濟成長率確實看起來是非常亮特別今年第一季已經超過13%那個是非常非常高"},{"start":6880.922,"end":6909.062,"text":"所以今年的預估經濟成長率是多少今年的話其實一直在調一直在調本來預估大概現在應該是我有看過國際上面的一些的這些估計央行那邊有更多可能都超過7、8以上7、8左右假設8來說扣掉一般以前傳產我們那個預估的部分大概是3%多其實這5%漲的部分全都是半導體全都是AI周邊"},{"start":6910.205,"end":6935.447,"text":"其實台灣在除了半導體以外它成長比較耀眼其他我們很多的產業其實有在成長只是在整個成長的比重上沒有像我們半導體這麼高所以我們不是看不到是想不到你看看這一些科技股漲幅可能在半年內漲個五倍八倍請問現在超過一千塊的千金股有幾支"},{"start":6937.074,"end":6954.468,"text":"現在是大概五十幾支啦那有的一張光是一張股票可能就到一萬多兩萬多有沒有我想大家這個公開資訊其實越來越多這樣的股票那等於說一張股票就是一千萬兩千萬"},{"start":6956.209,"end":6973.525,"text":"那面對這樣的發展以前沒有遇到過主委你覺得這個是常態還是其實如果說各位看一下比如說比較歷史比較悠久國際性的股市它其實股價其實會有很大的差異像美股就是美股有很多的股價所以強者很強 弱者很弱"},{"start":6974.145,"end":7000.973,"text":"像美股各位可以看到有些股票確實是我們假設以從台股過去的歷史來想像它一張股票會這麼貴主委你會不會擔心因為大概35%開始漲事實上65%左右的傳統產業股有的甚至不漲反跌股市漲到4萬點一般的傳產股不但沒有感覺還跌破20年線的所在多有"},{"start":7001.857,"end":7025.733,"text":"面對這樣產業的發展我們是也請那個政治教育所林董事長也一起面對這樣的一個發展主委有沒有決定應該要做什麼樣的加強或者是說應該要做什麼的照顧讓一些辛苦的中小企業至少可以跟得上經濟成長的這些紅利"},{"start":7027.614,"end":7054.716,"text":"我知道這個產業結構不是金管會能夠主導但是我知道政府在我在跨部會的會議中知道我們其他各部會對各種產業其實照顧是非常多也努力很多剛剛當然就是說我們有一個非常強的自通半導體產業這是國家之福但是怎麼樣扶植起所有的產業也是政府的責任但這個部分可能金管會這邊所主管的資本市場我們也會就我們可以努力的方式我們來努力"},{"start":7055.296,"end":7067.849,"text":"是 那諸位請問一下就是你剛剛講這個AI的潮流現在是剛剛開始呢還是已經快結束了我想這個委員可能比我還專門因為這部分我沒有比你專門我是有聽說啦"},{"start":7070.647,"end":7093.81,"text":"由此一說啦,AI事實上這AI元年的話只不過開始第一年第二年也很多產業在講說未來看還有五年起碼五年十年以上這句話是對還錯我想剛剛委員也有聽到這樣的講法我想委員也有聽到不一樣的講法市場上本來就是很多元大家對市場不同的預期本來就非常正常"},{"start":7097.313,"end":7118.911,"text":"現在F4可以說是金光閃閃光是臺灣證券交易所林董事長也是白白胖胖的也是福星福將現在股民大概股民一直創新高現在開戶數有多少"},{"start":7120.523,"end":7142.517,"text":"我們現在的開戶數是1400萬人口裡面但是實際上我們在動用的話大概是600萬的我們看這樣一波又一波事實上最近創造了很多很多的少年股神居然是百億以上的身價30幾歲"},{"start":7145.046,"end":7161.905,"text":"那在這些股民當中,你覺得大概創造了多少百分比的這些新櫃?股市新櫃?基本上來講的話,對於到底多少我真的不知道"},{"start":7162.799,"end":7184.726,"text":"以前你們有統計嗎 比如說每個月投資多少 獲利多少大概可以抓出一個中位數基本上來講的話 我們到底獲利多少因為關係到他的進度成本跟他賣的價格那我想最重要的就是說 我們看到了事實上來講有蠻多的"},{"start":7188.36,"end":7209.414,"text":"投資者進到股市來所以我們剛才我想主委一再的給我們指示就是說我們怎麼樣在一個風險控管的情況下來投入這樣子的國家的經濟未來的發展這些的平衡的部分跟適當的給予推廣跟教育的部分會是我們"},{"start":7210.629,"end":7235.142,"text":"一個非常大的一個重點我們希望說強化一些小白的教育股市其實是一時的但你投資是一個長遠的目標就是不要說清金出出或者希望鼓勵他長期投資最後一個問題就是台灣曾經的交易所算是很會賺錢去年EPS多少錢"},{"start":7236.431,"end":7243.304,"text":"我們去年的EPS大概差不多快10塊哇好會賺9塊多那今年我看也鋪行多讓"},{"start":7244.611,"end":7273.406,"text":"其實交易所不是以賺錢為目的交易所事實上是證券的周邊單位我們最重要的可以我們最重要對自己的使命基本上是讓我們台灣的交易制度然後讓我們的股市能夠更安全然後扮演資本市場的角色很多股民說那因為股市很熱絡那事實上徵交稅大概一年今年可能會被股民身上大概會抽了大概八千億左右"},{"start":7274.446,"end":7295.395,"text":"大家在反映說那證交稅是不是應該要調降基本上因為屬於調降證交稅的部分應該是屬於財政部的一個職責啦我看你們賺那麼多有空的話也多照顧一下那些嗷嗷待哺的其他產業"},{"start":7297.263,"end":7318.525,"text":"不要做一枝独秀全部是独厚这些高科技独厚这些这个护国神山大的苦了人很多啊希望我们能有一点思维来多帮助这些辛苦的中小企业是谢谢谢谢我们结束罗明财委员的质询接下来请赖惠文委员"},{"start":7324.653,"end":7326.275,"text":"好謝謝主席那個請彭諸葦"},{"start":7337.284,"end":7358.639,"text":"延續著就是軍管會從2022年開始推動信託的一個業務因應高齡化的社會的發展在這裡頭我們有我們的家族信託還有高齡化的安養信託還有亞洲資產管理中心這個百年信託已經正式上路了"},{"start":7359.64,"end":7378.864,"text":"那行政院也是跨部會對年續受益人的信託達成了一個共識那當然我們知道軍管會在這裡頭那就是透過了很多的一個心力那約定了最長100年後代的子孫可以就是成為那個延後順位的受益人"},{"start":7379.284,"end":7402.957,"text":"他不是為正義也不是那個刻意產稅那問題來了到底誰可以使用家族信託目前在市場上我們的家族信託家族辦公室還有高資產管理大概都鎖定在就是高資產的客戶富豪的家族還是企業主那一般家庭只要達到1億以上的個人"},{"start":7403.237,"end":7428.638,"text":"才有資格進行信託進行資產管理嗎才可以有辦法做家族的一個傳承嗎請那個主委回答我是 謝謝委員這委員很關心這個議題對這個信託也有很多非常深入的了解我想這次確實是一個在我覺得我們在跨部會協調把過去很久以來沒有講清楚的事情取得各個部會的共識"},{"start":7429.839,"end":7445.586,"text":"剛剛委員提到說誰可以來做這件事情那我剛才提到就是說這個我們先把這個相關的架構財政部會來做清楚的含釋把這個商品的基本的樣態先把它做出來那我們就會請業者開始來設計這個商品"},{"start":7449.528,"end":7475.293,"text":"然後接下來就交給市場來決定比如市場誰會有這個需求我們再來是這樣的一個看法不過我們從國際上的經驗裡面對於一些高資產的客戶確實是應該是他比較有這個需求還有就是比如說我們假設台灣有非常非常多很成功的企業主他希望他的事業能夠永續的傳承這個就是一個很好的架構讓他們可以非常明確放心的"},{"start":7476.013,"end":7499.823,"text":"按照我們現有的稅法繳交他該有的贈與稅、所得稅還有就是他可以對他未來的這些的架構在信託契約裡做清楚的約定確保他未來的事業或是家族的這些的那個資產不會因為後來因為子孫之間的增產或是這樣或是其他的介入產生這個結果我想這部分我們還有後續一些行政措施要來做"},{"start":7501.544,"end":7528.245,"text":"謝謝 主委我想大概今晚會想像的就是這個家族 家族信託它就是比較多的富豪比較多的企業家比較多的一個創業家它會利用到然後延續剛才林黛樺委員講的亞洲資產管理中心它的一個信託家族信託那現實中的一個台灣其實很多產業啊"},{"start":7528.905,"end":7548.124,"text":"那像本席本席的那個選區裡頭我們有很多的一個老農那這些老農他光是幾片農地幾塊農地他的資產都超過一億那他的第二代第三代的子孫他有可能不務農了可是他們還是希望把這個農地保留下來"},{"start":7549.105,"end":7571.104,"text":"那如果金管會再講家族傳承的時候是不是就會想到這些人呢那本地的農民他不應該被排除在家族管理的系統之外其實這個沒有這個沒有這不會被排除未來其實我們隨著這個業務越來越成熟各種多樣化我們就會來看他適合來做什麼因為這只是第一步啦"},{"start":7571.904,"end":7594.754,"text":"我們先把這個因為過去我們在因為我們沒有這個產品所以我們財政部不知道怎麼樣去做剋稅因為不知道怎麼剋稅所以就沒有這個產品形成這樣的一個循環那我們先把這個產品結構把它做出來以後也取得財政部在稅法上面的認可還有法務部的解釋那我們就可以開始有這個產品在市場運作隨著運作的結果我們會看到"},{"start":7595.194,"end":7620.835,"text":"市場會應該是未來會納入各式各樣的需求的我想再深入一點請教主委就針對的老農這些產業啊你有沒有一些怎麼樣的一個想法你會跟我講說農業金庫其實它現在它現在有做它做的是一個安養信託可是農業金庫它還是偏重在不動產的交易而不是農家的一個傳承那你怎麼看待這些問題"},{"start":7622.216,"end":7642.786,"text":"有沒有想到大概都沒有想到這些老農其實很害怕這個謝謝委員提供這樣的資訊我們要提供一些工具給他們不然分家產都分得很不快樂這個就是我們很多台灣特有的需求所以未來我們是這樣想我們說未來台灣"},{"start":7645.928,"end":7664.179,"text":"因為其實整個傳承不是只有企業主有錢人其實很多各式各樣的傳承這個內容像剛剛委員提到這個我覺得未來信託業的發展在台灣特別是高齡化社會下面真的很有很大的機會包括像委員提到這個也都是個未來都可以大家來思考的地方"},{"start":7664.899,"end":7694.245,"text":"我想主委農會可能現階段比較沒有能力去做這個家族的一個信託可是不是只有商人才能做傳承就是說農民他也需要有這樣的一個投資的工具那講了這麼久有沒有辦法就是比較有一個具體的而不是隨著市場市場的一個那個波動然後他這個樣子的一個工具就會出來你大概有沒有一個初估你的父親是不是農民是啊"},{"start":7694.825,"end":7703.598,"text":"對啊 那也可能就是是剛才那個彭金榮講得這麼強是不是或許你爸爸就需要"},{"start":7704.844,"end":7730.991,"text":"有沒有想到什麼樣的一個規劃的一個工具就是說可以讓他就是做得更順讓老農會覺得說其實我們要一個投資的一個工具是在照顧這些農民的其實我非常認同委員的這個看法因為其實我們台灣有各種各種不同樣態的這樣的需求農民也是相對是大家比較常常比較容易忽略的地方"},{"start":7731.371,"end":7760.573,"text":"是這部分我們會來思考一下這個委員謝謝委員提供這樣一個方向好那我想就是那個主委我們也是去研究看看啦那就是比較長的時間你再提一個報告給我大概是一個月對我想委員我稍微補一句話我想今天聽到委員這樣講我也會請我們營養局跟農經局跟我們的信託工會去找一下他們自己討論一下看看有什麼想法順便給委員提供一下好"},{"start":7761.773,"end":7787.298,"text":"我們非常期待那除了家族的一個傳承以外那信託的2.0其實也一直在推動那個不動產投資的律師那可是我們台灣的律師的修法的時間從2024年行政院提出修法那其實在基本上大家都沒有任何的一個意見那財委會完成了審查之後是在2024年6月26號"},{"start":7789.898,"end":7806.33,"text":"可是這個卡在黨團的一個協商那沒有實質的一個進展那現在不管就是說我們的股市這麼熱可是台灣的資本市場其實是在空轉的那主委你怎麼看待這個事情呢"},{"start":7807.251,"end":7823.331,"text":"當然就是剛剛委員提到就是我們在前年的6月26號我們就在益智東大樓裡面我們大家就針對那個RIS我們有做過很周延的討論也通過了那我們也蠻期待就是說既然在我們這一讀會通過的法律能夠真的能夠"},{"start":7825.894,"end":7851.068,"text":"那個落地啦我想這部分也希望說我們能夠順利的排入審查能夠通過這個我們來因為我們在執法的部分我們都在做準備啦是啊是啊所以我也是在講說這個可以活化不動產市場的這麼好的一個工具也可以增加投資工具的一個多樣化可是現況就是台灣的一個資金其實他"},{"start":7851.668,"end":7866.566,"text":"大量是在股市我們應該是有更多的更多的一個投資的工具這一般的投資大眾而不限於就是台灣的這些投資人全世界全世界的資金也都進來了現在聽說連中東的資金都進來了當然"},{"start":7870.931,"end":7890.502,"text":"國界資金沒有國界啦是是好那再回到亞洲資產管理中心我們希望就是說不要只靠是虛擬資產那金委員是不是可以先用行政命令去開放一些部分的一個比較有創新的制度那你是不是有一些配套的計畫呢"},{"start":7891.786,"end":7914.978,"text":"我想我們本來在規劃資產關鍵中心的時候虛擬資產當時也沒有在因為它還沒有通過立法我們也是沒有辦法但是我覺得隨著未來虛擬資產成為一個很重要的一個區塊的時候我們當然也會開始把它納入當然我們會隨著與時俱進來做一些調整好啊好就這樣子好謝謝謝謝委員的意見謝謝好謝謝"},{"start":7922.822,"end":7934.679,"text":"現在請李燕秀 李昭偉我是不是可以邀請彭主委請彭主委"},{"start":7939.382,"end":7955.767,"text":"剛才羅密財委員提到的就是說在證交稅有沒有可能調降的可能今天我聽到很多其他委員質詢的就是說其實政策不是不可以討論其實可以有很多不一樣的看法"},{"start":7956.267,"end":7976.611,"text":"制度还是可以做调整可以滚动式的做调整那到底对于证交税有没有机会调降这件事情你本身的看法即便不是这是属于财政部你个人的看法是什么对 我跟你讲很好我实在不方便评论这个问题你还是不方便评论对 因为这个毕竟不是我们只讲专业也不够所以这部分讲"},{"start":7977.511,"end":7995.12,"text":"但是如果要討論這件事情,一定是院長、會長、財政部長跟您做溝通嗎?因為跟你也有關係,雖然不是你主導,但你個人的看法是什麼?但至少剛才,最近我倒是沒有參加類似這樣的討論的會議。不過就是,當然資本市場的稅制會影響到整個資本市場,非常關鍵。"},{"start":8001.463,"end":8022.63,"text":"過去我們不管是像我們過去大家非常有很多意見的像當沖這個減稅減半的問題當然這個稅會影響到這個特別是台灣在過去因為我們的資本資本市場稅是比較特別啦這是確實跟相較其他國家我們本來就沒有課資本利得稅"},{"start":8023.55,"end":8034.084,"text":"所以也有人說法就是說這個政交順風程度也是另外一種這樣的一個概念所以我說這個部分我們儘管會是完全尊重財政部的一些的看法"},{"start":8034.881,"end":8039.423,"text":"所以你還是不敢提因為我覺得你很專業應該其實是有想法為什麼問這個問題因為我們的政委陳時中在最近演講當中他突然腦筋又動到證交稅了這個我第二次提這個問題他說如果把現在證交稅提撥千分之三挹注健保的話比如說50%的話那就可以未來讓我們的健保20年財務平衡那"},{"start":8063.052,"end":8092.498,"text":"政委提出這個話其實不是第一次那我們金管會事後或事前行政院相關有沒有跟你做過溝通我想這個其實不是我們執掌的範圍就像比如說我們過去稅有統收統支的問題就是稅收了怎麼用這件事情不會是在我們金管會在思考跟主管的範圍之內主委你當然可以這樣子回答但是我剛剛講了任何一個政策的調整"},{"start":8093.158,"end":8120.63,"text":"其實都牽涉到跨部會那跨部會之間一定會尊重你們的意見為什麼你剛才提到就是說這個增加稅是統收統支其實在這件事情之前我們沈記長其實也有提到就是說因為它是統收統支那我們的財政紀律第七條也規範說政府不可以把收入用成立基金的方式做其他的專款專用其實在法規面之沈記長已經有不同的意見"},{"start":8121.75,"end":8141.97,"text":"雖然稅收的主管機關是財政部但是身為監管會我覺得我們是穩定資本市場秩序的守護人守門人其實我個人認為你應該也可以有立場才對那沈記長已經對於這件事情他有立場跟看法所以你還是不會有立場嗎"},{"start":8142.931,"end":8163.662,"text":"沈機長是他的依他執掌的法律來發言我覺得非常的妥協但是就是說我今天站在我的立場我沒有任何針對這個比如說政府稅收以後雖然這是跟經管和主管的資本上有關那接下來怎麼運用確實是我們沒有這方面的去主動去討論這件事情的角色"},{"start":8169.158,"end":8188.956,"text":"那調降證交稅你總是可以有立場對於後續股市的影響你就應該還是有立場啊就是說我剛才講資本市場本身來講我們關注的我其實一直重複這件事情就是我們在監理官我們有四個東西我們很關注就是剛才講我們真的要確保這個這個交易的安全"},{"start":8189.69,"end":8217.222,"text":"還有公平跟透明對這是這是我們在做那其他不管是主委 其他各有專業我就不浪費時間我大概知道你的回應了其實我覺得你還是應該有立場才對雖然你或許不方便在現在提出來謝謝主委你這一陣子對於全靈晶的破壞其實你是有一些想法的你最近也拋出來說未來面對高靈化社會之後"},{"start":8218.743,"end":8238.977,"text":"策略性的產業我們未來將投入就是說把40萬名受險業務員轉型他不再只是銷售保單而已他可以提供更多的高齡照顧跟服務現在看起來因為台灣的勞動力人力不足他或許是要讓高齡化人越來越多我們幫衛福部解決一些問題就是說我們保險業的業務員"},{"start":8244.901,"end":8268.306,"text":"到底要不要去轉型也多加一些業務去做長照的功能這件事情到底跨部會跟衛福部跟勞動部你們之前有討論過嗎這個其實我真的這一題有跟時務長做過蠻多的溝通但是就是純粹不過這個還僅止於我們金管會在做我們內部的這些的"},{"start":8268.746,"end":8292.802,"text":"石副部長也支持這件事情嗎我這部分 因為其中這只是一部分有跟比如說衛福部有關的我先跟石副部長有做一些因為我們平常有非常多的機會可以碰面我們就做這個只是初步溝通所以勞動部沒有溝通過沒有沒有 現在我跟委員提一個概念就是說剛才委員提的我們只是覺得說台灣的金融業"},{"start":8293.883,"end":8319.96,"text":"在未來面臨高齡化少子化的時候它的客戶會越來越少客戶會越來越老過去我們傳統的經營模式只著重在你想要的年輕客人但實際上未來你必須要關注這些人那他需要你做什麼服務有些很專業有些有法律上的規範有些是你意願的問題比如說做這件事情你不願意但是我們在思考請我們的金融業開始思考一件事情你也要做轉型"},{"start":8321.201,"end":8344.871,"text":"那其中一個就是謝謝主委你的回應就是說我同意就是說主委跟跨部會對於未來勞動力減少轉型可以有更往前一步的想法那但是我就要提出來就是說未來這些業務員想法當然因為這個都還是還沒很成熟就是說金融業務員他的範疇未來到底算是社會福利還是醫療服務的範疇"},{"start":8346.292,"end":8364.462,"text":"如果在長照的教育的觀念不夠深刻或沒有領到相關的一些證照的時候未來萬一發生他是業務員保險業務員他又兼長照的服務員或者在照護上他沒有那個證照的時候萬一發生醫療糾紛怎麼辦"},{"start":8367.684,"end":8392.203,"text":"這個是我必須提醒的就是說未來轉型成陪伴型的服務或服務的時間加長收入的模式會不會有做調整我覺得這個計畫都還沒有完全很成熟所以我剛才還在詢問說我們有沒有跟勞動部做過溝通我們有沒有跟衛福部做過很成熟的溝通我擔心的是我看到這個政策出來雖然利益良善但是更多的保險業務員擔心的就是說業務員免費承擔"},{"start":8395.646,"end":8419.228,"text":"照顧的責任或社會照顧的責任那未來如果在陪伴的過程當中發生事故他的權責責任歸屬到底怎麼去界定喔這個是我在這個政策上我要提醒主委的地方我只簡單講一下就是說這個其實只是他們一個構想而已就是他們想法可以朝這個這個距離真的還有很遠而且他們可以做還有很多東西"},{"start":8419.608,"end":8445.61,"text":"不是只是在這裡而已主委我剛才就是說利益良善想的藍圖也非常好要把它想清楚一點想清楚才能做出來那股市當然非常熱主委今天很多委員都提到那在巴菲特的指標當中也提到就是說大概股市小於如果是跟總市值跟GDP比值的話小於100的話是相對合理在100介於100跟200之間就偏高了"},{"start":8445.95,"end":8466.637,"text":"那大於200的話就是其中在高估值的股票當中我們台灣現在總市值跟GDP的比值已經高達446%所以也就是說剛才其他委員包括羅賓斯台委員也提到就是說他都其中在AI相關的產業當中包括中小型股"},{"start":8467.017,"end":8486.162,"text":"是非常的弱勢所以就是說我們現在也有許多股民會感嘆說股市站到站穩4萬點但是他們是相對沒有感覺甚至是體感崩盤好像某一些人很熱但是對於很多人其實是就是沒有對於現在股市在4萬點是沒有感覺的所以"},{"start":8489.332,"end":8509.064,"text":"主委就是說在這個層面上雖然你剛剛一起提到說其實我們是一個自由的市場我們沒辦法去做限制但是我覺得剛才跨部會的溝通如何在跨部會的工具上扶植更多其他的產業比如說房地產比如說我們的傳產一些傳統工業的部分其實我覺得這個是滾動式的要去"},{"start":8513.427,"end":8543.087,"text":"尽速的去跟跨部会做沟通我觉得相对的你也必须提出一些事情就是说对于中小型的弱势股的部分传产我们其他的部会有什么样的工具经济部或者是财政部可以做什么样的协助我觉得这是要做滚动式常常去做一些沟通这是我要提醒的特别是巴菲特的指标台湾已经是太集中在某一些股票当中所以这个部分包括主委你上任之后"},{"start":8543.868,"end":8557.944,"text":"普惠金融或過去人家說金管會都是監管大於這個創新的部分那當然你上來之後你很多政策做了一些調整但是無論在被動式的ETF或主動式的ETF其實我們有做了一些放寬的動作"},{"start":8558.965,"end":8578.38,"text":"那這些放寬的動作其實相對的也都還是集中在AI就是說很多人都all in在台積電相關的上下游產業鏈所以對於其他中小型的股其實相對的在資金的部分還是有一些排擠的效應那這個部分我覺得還是要有其他的手段另外"},{"start":8579.14,"end":8604.868,"text":"今天其他我也提到就是说对于我们的高中生还有年轻族其实很多都还是投入股市我上一次有质询过日本他对于金融的教育其实有提出来虽然刚才我们政治局也好或者是贵板中心董事长有提出来我们有在做教育但是如何把它深化在我们高中其实不只是股市的教育"},{"start":8606.508,"end":8622.74,"text":"卡債也好我們有新清安父母幫孩子買房子也好我覺得相關的金融教育其實我覺得這個部分應該跟教育部可以去做合作把它結合在公民課的教育裡頭什麼時候可以做"},{"start":8623.12,"end":8645.948,"text":"今天提出很多的政策我希望有一個時間點出來包括就是說要檢討現行的處置股的制度什麼時間會有一個答案出來我覺得這個都應該給本委員會一個這麼多委員諮詢什麼時間點會有一些答案會檢討或會有短中長期的不同的方向我希望主委可以給我們本委員會一個具體的答案可以嗎"},{"start":8646.288,"end":8655.461,"text":"好 可以剛剛委員提到一些大家眾所關切的這些內容有些我們剛剛也有承諾委員那我們就一併的答覆"},{"start":8657.735,"end":8673.347,"text":"時間呢時間剛剛有各自都有說明了對 比如說我們該好啦 不要超過三個月啦不要超過三個月我知道會期預算也很忙啦但是要不然就是這個會期結束之前我們給一個圓滿的答案好不好至少有一些答案出來是 謝謝 謝謝主委謝謝委員 謝謝好 謝謝休息五分鐘"},{"start":8679.717,"end":8682.579,"text":"主席已經休步了"},{"start":8712.947,"end":8713.608,"text":"鸡蛋糕"},{"start":8733.827,"end":8745.793,"text":"這間餐廳的餐廳是一間餐廳的餐廳"},{"start":8760.186,"end":8776.055,"text":"這間餐廳的餐廳有很多不同的餐廳"},{"start":8785.069,"end":8806.416,"text":"這間餐廳的餐廳是一間餐廳的一間餐廳"},{"start":8820.859,"end":8836.443,"text":"這間餐廳的餐廳是一間餐廳的餐廳"},{"start":8842.205,"end":8850.439,"text":"這間餐廳的餐廳有很多不同的食物"},{"start":8853.022,"end":8853.182,"text":"謝謝大家"},{"start":8890.591,"end":8894.315,"text":"這裏是一座大廈。這裏是一座大廈。"},{"start":8899.501,"end":8907.149,"text":"中文字幕——YK"},{"start":8927.246,"end":8934.952,"text":"這間餐廳的餐廳是一間餐廳的中間餐廳"},{"start":8938.935,"end":8939.776,"text":"謝謝大家"},{"start":8968.254,"end":8969.017,"text":"谢谢观看"},{"start":8973.152,"end":8973.592,"text":"我們接著來"},{"start":9009.002,"end":9033.772,"text":"來請大家儘速回座我們接下來請李昆城委員質詢大家保持安靜我們請李昆城委員來請大家儘速回座我們開始質詢請李昆城委員"},{"start":9049.629,"end":9059.498,"text":"好 謝謝主席 我們請彭主委彭主委"},{"start":9063.541,"end":9085.123,"text":"主委好,現在台積電佔台股的加權指數大概30%以上。金管會有一個調整的做法,對於ETF,允許台股ETF單一成分股的佔比,可以按照該成分股佔台股大盤的權重來做調整。"},{"start":9086.684,"end":9107.702,"text":"然後呢本來這個有一個上限那現在有條件呢從10%呢調高到25%那所以呢這個條款呢這樣算來算去呢那個如果你們是有條件的放寬齁大概只有台積電適用啦所以這個條款也被稱為這個是台積電的條款那請教一下那為什麼金管會不會有這個做法"},{"start":9108.513,"end":9130.412,"text":"我想剛剛吳委員也問過這個問題其實我們是從前年開始就很多因為隨著台電在我們的整個資本市場結構改變那過去我們對基金的管理有一個比如說那個集中度上限的規範我們先從被動式開始被動式它必須要貼近我們的大盤才有辦法複製我們指數"},{"start":9132.774,"end":9157.667,"text":"但是因為那時候就發現了這件事情雖然台積電已經脫離這個部分所以我們在去年就調整過一次但是那時候沒有人稱叫什麼條款但是後來因為我們又多了其他的金融商品比如說主動式ETF出來那主動式ETF它還是用一般的ETF的概念去做那顯然就是我們整個在基金的規劃或基金今年在做的時候它就沒辦法去貼合我們的市場的結構"},{"start":9159.128,"end":9184.027,"text":"因為股市必須符合我們市場結構能夠充分的反映我們的市場結構而不是市場結構來反映我的基金的結構所以我們在過去就一系列的跟各個相關的單位就對這個東西做研商討論以後就按照這個來做這樣的調整當中也有參考國外的做法像國外跟我們最接近的韓國"},{"start":9185.508,"end":9201.983,"text":"韓國海力士跟三星兩加起來的那個比重就跟我們現在國內資本商跟那資本商有點相像他們也是採用25%作為一個上限那所以我們就採用這個方式呢就公布了這樣的一個辦法我想這就是一個很正常制度的調整"},{"start":9202.583,"end":9214.872,"text":"當然市場上要冠以什麼樣的名稱我們也沒辦法因為現在台積電試用了還有其他的公司有試用它就是必須要10%以上我們也期待說台灣未來有很多人可以試用那這個會不會有風險在"},{"start":9217.059,"end":9231.436,"text":"沒有我想就是我們在基金的管理各位看到是這樣基金本來就是我們從他開始申請從交易所審核在後面的期後的管理我想這個都有一定管理他們在集中度的控管上面我們大概都有在做監控因為"},{"start":9232.717,"end":9254.509,"text":"必須要我們的制度面要符合我們市場的結構這是我們要做的但因為市場在比如交易人很多的投資人他有不同的想法跟做法那當然這個我們就要尊重市場的機制所以你現在是放寬了嘛放寬就是那一個ETF我們對於這一個這個單一成分股的這一個比重的調整嘛"},{"start":9254.989,"end":9277.098,"text":"好 那現在還有一個議題 跟這個也有關係現在說是否是要開放那個ETF呢可以加掛配息或是不配息的級別所以它本來可能是這個有配息的那加掛不配息 反正不配息的加掛這個配息那現在你們的這個進度是怎麼樣這部分的話我可能要請一下我們政協局局長來跟您回答好 可以啊"},{"start":9279.827,"end":9300.671,"text":"報告委員有關這個議題是有業者還有那個有提出來這樣的需求那我們會針對這個要不要做這樣的開放在後續可能跟工會還有跟我們相關的單位做討論以後看是不是要定案我們再會再做現在方向怎麼樣我看那個董事長已經站出來了那來我想"},{"start":9307.535,"end":9316.807,"text":"方向上現在的重點就是說我們是不是它這個是新發型的啦那以前發型的勒"},{"start":9320.543,"end":9345.853,"text":"就是說以前發型跟新發型我們這個這個就是說這個關鍵點是不是視同新發型那以前發型跟現在新發型的當然就不一樣嘛那我們現在就是在這個部分在研議那以前發型的他可能是這個是有配息的那現在可以加掛不配息的嘛對不對那現在是算是新發型嗎所以這個才是我們現在在研議的那所以那個爭議點是在哪裡就是討論的你們現在的問題出現在哪裡"},{"start":9349.554,"end":9370.005,"text":"我們現在的爭議點基本上來講的話就是說因為事實上來講的話,這種ETF掛各個投信公司都蠻多的所以工會也在尋求各個會員對這個意見的共識基本上現在坦白講,據我的瞭解"},{"start":9371.607,"end":9389.634,"text":"各個資產管理公司各個投信坦白講都有不同的意見這個部分來講的話在這不同意見裡面公會還在協議中因為基本上來講我們在做這個方面的研議的時候我們必須也要尊重公會的一個平台來協調這個討論大概哪時候會有個定案出來"},{"start":9394.159,"end":9421.826,"text":"所以我當然知道說當然要聽各位工會還有各業界的意見然後我的意思是說現在問題是說在哪裡你剛才講說那如果說是過去發行的然後因為現在改成這一個加掛配型或不配型變成新發行那這樣子差別在哪裡我想跟委員報告啦是不是我們會去再跟工會討論就是說事實上來講這個部分還是要有工會自己對各個業者因為它們都有不同的階段的ETF嘛"},{"start":9423.366,"end":9448.826,"text":"可以加掛,不加掛,這些都...那我問你的態度好了啦我們現在很...我們基本上來講,我們都很尊重公會最後的協議裡面再來加上我們自己的態度,我們不能說我們的態度當然啦,當然你要尊重公會,但我說你總是要有一個方向啊沒有一個方向大家都尊重,因為我們畢竟是屬於公部門嘛,總是要有一個方向啊"},{"start":9449.506,"end":9475.226,"text":"委員他們剛才已經說了他說了我又聽不太清楚這個事情他們還在研議給他們一點時間因為我想說今天如果倉促獎的話其實萬一做不到也不好不是不是倉促獎因為這個已經你們已經有在討論這個不是倉促獎了就是回去呢請他們好好去研議一下那主委你認為這個問題是我們在過去對商品多元化分眾化本來就是要追求的目標因為市場啊就是說那為什麼為什麼會有這個討論說要加掛配鞋不配鞋的"},{"start":9480.65,"end":9495.365,"text":"因為業者認為這個是可以帶動整體市場的規模啊就是不同的需求的人對不同的產品的需求有人要配息有人要單立有人要複立有人要看未來有人看現在但是我看業者他是認為說是可以讓如果"},{"start":9496.305,"end":9514.015,"text":"這個加掛,配息不配息,如果開放之後呢,整體的市場規模是會在成長的啊,對不對?對,就是說我們其實每開放一個產品,假設它有切中市場的需求的話,自然就會帶動它的成長。對啦,那我的意思是說整體方向,那這樣來講是好的啊。"},{"start":9514.495,"end":9530.268,"text":"對,就是說市場的多元化,我們會看,會有這樣的一個訴求,一定有這個需求我知道啊,所以我在問你說,那你們的做法是怎麼樣啊對,所以他們已經在研議怎麼來做這個方向,我們就給他一個時間看好,那大概多久的時間對啊"},{"start":9533.24,"end":9536.785,"text":"總是要有個時間點出來吧跟委員報告事實上現在最大的關鍵點是工會是不是容我跟工會我們再去協調一下這個時間"},{"start":9545.788,"end":9563.75,"text":"基本上來講的話三個月我覺得我們可以給委員一個大致上的方向因為現在你們還要討論一個重點那是不是說如果ETF裡面單一成分股的權重超過30%也有可能被排除"},{"start":9565.231,"end":9578.601,"text":"這個是不是也是當初有些業者有提出在這樣的意見這個部分來講我不大了解你不太了解對對這個部分我不太清楚說那李總經理那邊知道嗎蛤我說那李總經理那邊知道嗎"},{"start":9581.511,"end":9609.527,"text":"委員這邊我說明一下因為所謂的加掛跟不加掛就加掛配息或者是那個不配息的這部分其實都是可以但是現在就是說呢業者的正反意見不一樣因為像早期發的比如說0050他現在是配息嘛他要加掛一個不配息的話那這樣是不是要視同是一個新的發行的ETF那對業者現在的這個剛剛那個林董還有講過那我是說另外一個問題"},{"start":9610.407,"end":9636.002,"text":"是不是會排除單一成分股這個權重超過百分之三十以上的ETF這個就不考慮在裡面報告委員這個也就是我們要考量因為假如是您講的就是超過百分之三十是不是要排除的話其實就是現在業者他們就關心的主軸就是在這裡因為這個就會影響到0050它到底配息的效果我現在不是在講個案啦所以這個話也是要回歸到"},{"start":9638.123,"end":9660.855,"text":"因為現在講出來可能有些就是比如說它有百分之台積電百分之三十以上可能就會被排除那我不知道說這樣的排除好還是不好那我是想說你們的意見是怎麼樣這個部分我們要跟工會再來討論因為這個就是會影響到業者好那沒關係我覺得時間已經都快沒了那好最後再問一下好了那那個主委"},{"start":9661.596,"end":9674.715,"text":"現在我們陳時中政委還有提到就提到說用這個證交稅來救健保那我就簡短問一下主委的看法其實剛剛委員也有跟我問過這個問題我說"},{"start":9676.437,"end":9700.412,"text":"那我們相關部會有主責單位都出來說明,我想這不是...沒有啊,對啊,我剛剛衛福部有出來舉手贊成,那財政部又說這個要再考慮一下,財政紀律,那因為這個證交稅是跟這個儘管我也有相關啦,那是不是我請,最後簡短我請這個主委答覆一下就好其實還是一樣,這個我們不是這個主責單位,我們也不方便做評論那問一下你的立場跟態度啊對"},{"start":9702.721,"end":9713.9,"text":"這個我今天在這邊代表金管會我沒有我還是尊重我們相關單位的尊重衛福部跟尊重財政部就對了尊重職責單位他們的的權責那你認為這個想法好不好"},{"start":9714.687,"end":9736.685,"text":"我想因為健保本來是大家在台灣幸福度最高的一個制度怎麼樣讓它維持一個健全永續的運作是全民的期待現在就是大家講說這個補充健保費這部分啦因為大部分我們七到八成就是一般健保費都是我們在一般的納稅人在講現在就是說你有這一個補充健保費這部分能夠多補充我們健保的話"},{"start":9737.626,"end":9766.126,"text":"那是健保是可以再有序經營那有人就像這個沈志忠政委他提到說那現在證交稅請林委員結束結束好是不是可以拿來拿來這個來維持我們這個健保有序經營因為現在每一天我看這個財政部來講說證交稅每一天可以拿到二十幾億好謝謝這我剛剛回答過了道歉謝謝委員謝謝李坤誠委員的質詢接下來我是不是請林思敏委員"},{"start":9773.424,"end":9799.51,"text":"好 謝謝主席 請彭主委請彭主委主委好 主委好主委我想大家都關心台股的議題我想台股在本週就衝上4萬點那昨天也受惠於美國與伊拉克的伊朗戰火的局勢的穩定市場情緒降溫美股四大指數全部走高"},{"start":9800.31,"end":9806.595,"text":"也帶動我們台股強勢的續攻加權指數中場大漲369.56點收在41138.85點漲幅高達0.91%成交額更高達1兆4491億元創下我們台股史上第二大量貴買指數同步上漲0.7%收在410.29點"},{"start":9829.271,"end":9854.602,"text":"中小型股仍气同步升温股票市场可说是一片繁荣我们从AI供应链半导体ASIC记忆体到ETF与主动式的基金热潮让我国的资本市场正处在一个新的历史高点本期要请问诸位台股目前看来冲破4万点"},{"start":9855.382,"end":9881.064,"text":"之後有望繼續向上是否能藉這個機會研擬我國資本市場的競爭力的問題啊而不是只有享受當下的行情啊是否應該全面檢視我國資本市場交易的制度有沒有做這樣這方面的一個規劃跟打算有 謝謝謝委員的關心啊委員看法跟我們是一致的是"},{"start":9881.84,"end":9891.379,"text":"因為我們在前一陣子呢我們也請我們的旗局跟兩個交易所我們對未來整個對資本市場政策我們希望"},{"start":9892.712,"end":9919.064,"text":"讓台灣成為一個國際級的資本市場所以我們在過去其實不只這些很多議題包括剛剛委員關心的交易制度管理制度還有就是我們對投資人的公平制度像前一陣子我們對外資他們發放鼓勵的這些一些的措施我們都是對接在一個國際級的資本市場該做什麼都是未來我們努力的方向市主委我想這個"},{"start":9920.245,"end":9949.12,"text":"我們大家就希望就是說希望我們能夠對於這相關的一個資本市場交易制度的改革來協助我們我國邁向亞洲資產的管理中心那我們看到近期這個金融業他提出四大的稅制改革的一個建議希望全面檢視我國資本市場交易制度包含有證交稅的合理化制度的常態化以及降低市場交易成本等等方向"},{"start":9950.2,"end":9973.908,"text":"上個禮拜財政部的回應是先調降手續費而上週財政部前來財委會備詢的時候本席也質詢莊部長這個問題本席認為這其中反映一個很大的問題因為手續費是民間券商在收取而證交稅是由政府課徵目前財政部的態度"},{"start":9974.748,"end":9998.37,"text":"是請民間先讓利政府再觀察所以我請教主委金管會對於財政部回應先請業者調降手續費這個說法你是否認同我想這個莊部長有他的看法我們都尊重那當然就是說業者手續費這是市場交易行為的一部分"},{"start":9999.175,"end":10025.086,"text":"那市場可以透過競爭或是政策的引導來這個降低我們的交易的成本我想在過去我們的業者也持續的往這個方向來努力他可能不見得是降手續費他可能是提高服務的品質提高服務的速度這很多多元面向我想你認為說這個基本上先降手續費甚至交稅不動你認為公平合理嗎"},{"start":10027.028,"end":10040.228,"text":"這個牽涉到租稅的問題我剛剛有委員關心過OK 這還是有介套的空間其實主委我們來檢視我國現行的證交稅的制度相較於國際的市場其實我們並不算低"},{"start":10041.149,"end":10046.694,"text":"目前我國股票賣出證交稅是3%單沖的優惠是1.5%但是還是暫時性的措施ETF與權證則為1%但是我們反觀國際的市場包括香港、新加坡本來就沒有證交稅"},{"start":10061.747,"end":10085.603,"text":"您剛才提到的韓國,韓國近年也持續降低交易稅,往這個方向來調整現在全球都在降低市場的摩擦成本,提升交易稅率的時候所以主委,您認為我國是否一定要停留在高證交稅加固定手續付費的一個制度架構?您的看法如何?"},{"start":10087.951,"end":10112.556,"text":"確實剛剛委員問了一個很難的問題這不是我專業所能回答的問題啦我想說剛剛也提到對沒有沒有真的稅的部分因為牽涉的不是只是一個數字的更動它會是背後包括它很多學理邏輯還有國際上面一些比較跟競爭這個我想其實我很簡單就問你啦就是說如果是現在這種情況政府在推動亞洲資產管理中心"},{"start":10113.436,"end":10135.142,"text":"但是另一方面就能維持相對較高的交易稅負這兩者之間會不會存在矛盾其實我們剛才看到剛才委員也提出質詢外資在過去大量的進入台灣我想台灣的資本市場吸引力除了稅是利益因素以外我覺得有沒有潛力才是最關鍵的地方"},{"start":10136.983,"end":10152.971,"text":"我想說很多的制度當然有這個加速的效果但是最重要是你這個股市有沒有潛力有沒有投資的吸引力才是最關鍵所以當然是一個重要但是絕對不是絕對的我覺得你還是要去檢討一下啦"},{"start":10158.013,"end":10177.164,"text":"畢竟我們要讓資本市場更熱絡一些所以資本市場要更健全一點證交稅可能有它這個要不要調降這個空間請你們再去研究另外諸位現在台股4萬點股票市場熱絡後政府稅收大幅增加"},{"start":10178.324,"end":10204.949,"text":"近期金管會放寬國內股票基金的股票型基金以主動式ETF對單一個股投資比例的限制市場普遍解讀這是希望擴大市場流動性與提升資本市場的動能主委這是否代表著金管會你其實知道我國市場必須持續的提升競爭力所以已經開始從制度面來鬆綁"},{"start":10206.289,"end":10232.55,"text":"因為剛才你講了一大堆但是你是否意識到其實我們的制度要開始要鬆綁其實我覺得我心裡真的是這樣想我覺得台灣已經資本市場在過去幾年來已經到這種規模但是我們真的我們的企圖真的要成為國際級的資本市場我覺得要成為國際級的資本市場有它一定的要件我們一定要朝這方向來努力我剛才講不管"},{"start":10233.482,"end":10253.417,"text":"我們要有國際的競爭力而且呢最重要要我們產業的潛力來配合這部分我們要打造一個更國際化的這樣那個交易的架構這是我們努力的方向啊這是一定會持續來做的這是真的OK 好好 那個主委我想稱呼本席所言我們現在台股已經站穩4萬點了"},{"start":10254.818,"end":10274.075,"text":"昨天的收盤就4萬1千多點在一串新高外前天還創下史上最大的當日的一個漲點記錄但是我們觀察整個盤面的結構主要還是由電子權值股以及AI相關個股為主力來帶動整個漲勢那媒體在5月5號報導說"},{"start":10278.539,"end":10305.655,"text":"有公股銀行指出因為受惠台灣AI供應鏈的高成長性以及政策面試出的資金利多台股加權指數將維持多頭的功能預估今年要挑戰43000點本席想要詢問這個這樣啦 本席有問過國庫署國庫署他們完全不清楚是哪家公股銀行放出的消息但是主委"},{"start":10306.235,"end":10320.123,"text":"你是否也贊同這樣的趨勢看法未來台股的走向是否會繼續的往上升對啊委員我要重複我的標準答案我說香港會不會對未來的發展做任何的預期對"},{"start":10322.305,"end":10348.448,"text":"不會出任何的預期我想這個其實我們想講的就是說因為現在外媒報導指出台股的股值已經出現明顯的偏高的現象例如已經出現與季限乖離的乖離率為15.3%與年限則來到新高的高區將近43%一些國內的投資分析師也提出相同的看法"},{"start":10349.088,"end":10371.254,"text":"所以主委你認為現在台股是否有泡沫化或有劇烈轉折的一個風險有沒有這些風險小狗是不是有離開主人過眼的一個問題那麼對於報導所提出的相關數據主委你認為現在台股是否有哪些投資的風險的要去注意有哪些風險你會提醒一下我們投資大眾"},{"start":10372.034,"end":10400.447,"text":"我想從我開始參與財委會我們都一致就說不管在股市任何階段投資都一樣要謹慎投資注意風險市場有各種不同的預期這非常正常是有各種不同的估計也非常正常有人悲觀有人樂觀有人多頭有人空頭這本來就是一個健全市場市場力量均衡在在在所謂市場力量在發揮的一個過程我想這我們都尊重"},{"start":10401.641,"end":10419.512,"text":"所以還是當然除了尊重以外我想金管會去一個監督管理的一個職責你對於股市的過高這個熱度過高你要提出一個相關的一個呼應一個呼籲好不好沒有這個部分呢我覺得這還是我們是站在一個主管接管的立場我們不會對現況跟"},{"start":10421.713,"end":10450.221,"text":"跟未來做任何的這個所謂的評估或過渝測其實主委剛才李副委員提到同樣提到一個有對於這個單一個股持股的上限從10%提高到25%市場稱之為台積電條款所以這項措施雖然有助於資金更有效率的配置但也確有可能進一步加深市場的集中度所以對於市場認為這個將造成台積電一個人的武林"},{"start":10451.681,"end":10465.891,"text":"除了你認為這樣政策對於台股的正常的一個成長是正面的效益居多還是會導致資金排擠的效應會不會變相的讓台積電獨自背負起台股發展的重責大任"},{"start":10466.601,"end":10487.53,"text":"我想這個問題至少有三四位的委員也問過這個問題我也跟委員都說明了這個整個當時會訂金這樣的邏輯跟理由是因為整個基金必須要配合我們整個的股市結構這樣才能夠充分反映它整個資金的結構那是過去的規定要按照與時俱進來做調整"},{"start":10489.298,"end":10517.527,"text":"那比如說這部分市場上我想剛你講的我都大概了解我想我們還是希望說我們金管會對其他的產業還是要去多加的關注那當然那當然好謝謝謝謝謝謝委員好謝謝我們結束林思敏委員的質詢接下來請顏寬恆委員主席各位立席觀眾大家好主席有請金管會彭主委"},{"start":10518.741,"end":10543.408,"text":"請彭主委主委好彭主委面對金融科技的蓬勃發展所有的創新跟便利如果沒有完善的金融安全或者社會責任那發展的越快對社會造成的傷害或衝擊可能就會越大所以我們為了要民眾方便那針對緊急需要提款"},{"start":10544.687,"end":10567.061,"text":"的民眾提供了無卡提款的服務那這也變成成為詐騙集團最新下手的重點根據統計台北市去年9月到今年3月涉及無卡提款的詐騙案件449件那新北市光今年1月到3月就有312件那詐騙集團利用"},{"start":10570.323,"end":10595.131,"text":"網購平台、臉書社團假扮買家或賣家謊稱因為交易造成賬戶異常被凍結並且還冒用金管會的名義提出要驗證要求被害人立刻操作無卡提款並提供提款序號還有密碼或是截下無卡提款的二維碼QR Code藉此盜領被害人的錢財"},{"start":10596.351,"end":10617.644,"text":"那另外 詐團也會利用LINE的視訊功能要求被害人啟動派對模式那手機畫面便會同步分享給詐團當被害人打開銀行APP顯示無卡提款的QR Code的時候詐團就可以立刻截圖那警方也表示說在傳統有卡模式用提款卡去"},{"start":10618.724,"end":10640.074,"text":"這樣子模式的時候那人頭賬戶可以及時的警示然後阻斷這個金流但是無卡提款無卡詐欺都是利用被害人自有的賬戶來操作所以警方難以在第一時間阻斷所以針對詐團利用無卡提款盜領被害人錢財金管院這邊我們有沒有做怎麼樣的一個防衛措施是"},{"start":10641.175,"end":10647.451,"text":"謝謝委員關心這個問題剛剛委員講得非常詳細他的犯罪的模式那我想我請營養局局長跟您說明簡單說明一下請簡單說明"},{"start":10649.81,"end":10674.899,"text":"跟委員報告這個部分我們已經有跟高檢署警政署還有銀行公會有開過會我們會就委員剛才這邊有提到的相關的犯罪的手法我們有請銀行要去加強相關的一個風險管控措施那這些管控措施原則上會在今年的7月底前會全部完成包括了我們有做要求要做相關的防詐提醒還有剛才您這邊有提到截圖或者是螢幕分享"},{"start":10675.539,"end":10694.898,"text":"會有相關的一些限制也就是未來不能夠再透過截圖這種方式去傳送那另外呢我們也有在交易時間上也做相關的一個線索這些措施呢都會在今年的7月底以前銀行都會全部調整完畢好的 局長我們都知道現在像那個Netflix我們那個影音平台"},{"start":10695.538,"end":10714.928,"text":"他們都有這個所謂的截圖反映或者是禁止螢幕錄影的這樣的一個技術然後他就是要防止民眾盜錄影片那影視產業都可以為了保護他的版權來做這樣子的事那我們金融監管單位我們要保護的是全國人民的財產"},{"start":10716.048,"end":10738.794,"text":"所以這個應該要做到才對嘛所以說我們已經現在詐騙集團就是利用說LINE的拍錄模式分享螢幕或者是要求被害人這個翻拍這樣子的一個就是看準了我們金融APP我們的這個在這一方面的防護的部分不管是動作太慢或者是說"},{"start":10739.934,"end":10753.126,"text":"整個作為沒有成就嘛所以說我想這就是成為詐騙集團的一個突破口那金管會能不能承諾說因為剛剛有提到嘛你說7月份7月份好那就是說在召集這個銀行"},{"start":10754.727,"end":10777.832,"text":"或者是將這個五款提卡或者是支付支付碼頁面的這些強制導入然後這個防止截圖啊防錄影啊偵測遠端分享及斷線這部分都要很詳細的然後很明確的納入金管機構的一個資訊安全標準是不是這樣說會嗎是是對就會往委員剛才所知道的方向來進行對好"},{"start":10778.812,"end":10807.691,"text":"那此外就是說在無卡提款的一個機制當中不管是QR code或者是序號它仍然有存在就是一個所謂的有效期限過場的問題有效期限過場所以讓讓詐團有足夠的時間進行轉帳轉傳 倒領有一個明顯的一個漏洞就是說這個時間的管控那所以我想我建議金管會說要求銀行這個強化封控的一個機制改採極短時間的一個極短時效率的動態驗證"},{"start":10808.892,"end":10826.827,"text":"這也是在我們改善的範圍裡面所以說我們不管是說出現這種頁面切換APP跳轉還有就應該要立即失效這些部分避免說遭到這種截圖被噴跟轉傳的利用所以技術上一定要做到更全面一定要過到更前面"},{"start":10828.857,"end":10838.59,"text":"這邊也剛好提醒一下我們的民眾在使用的時候要特別的小心我們後續跟他講我們會按照我們時程盡快來完成剛剛那些的調整跟修正"},{"start":10840.322,"end":10864.281,"text":"就在暫停交易 鎖定功能 要求手機端進行二次驗證這些部分都要補強 都要做好我想如果可以的話我們從源頭防範就可以做到的話金管會一定要不遺餘力的去把這些都完成那鐘偉剛剛對於以上的建議希望能夠把它做到更全面"},{"start":10865.322,"end":10889.257,"text":"那我再請教2026年我們台灣受險業前瞻高峰會這個我們保險局王局長以保險政策高齡保險政策的一個轉變然後高齡創新服務成為趨勢為底那做一個專題的演講內容提到一個亮點就是說保單過去是這個銷售後這個代理賠發生的時候保險會才會給付"},{"start":10891.118,"end":10905.718,"text":"那隨著未來社會就變成一個軍老的社會剛剛很多委員都有提到就是說保險業的角色應該從被動化改才為主動化隨著高齡者可能就是說有些失智失智症的一個增加"},{"start":10907.06,"end":10927.618,"text":"其實透過科技方式的串聯假設說失職者的狀態在醫院已經被確定那可以通知保險業進行主動的一個給付流程跟照顧流程所以我在這邊就是說我認為說這個構想很好但是不能忽視隱私的各自隱私這些部分所以它是"},{"start":10929.119,"end":10951.762,"text":"我們那個醫療病例這個這些資訊有以及跨部會還有跨產業的這些部分那因為如果說對於保護這個保護那就是保險的保護那對於說隱私洩漏或者是保險公司未來可能因為病例數據這個或者發生拒保加費的這些這些疑慮"},{"start":10952.583,"end":10971.032,"text":"那面對高齡化社會推動保險從被動理賠走向主動服務能夠結合跨域資源確實是一個值得肯定的方向那所以我想這部分我們要加以肯定但是說還是一樣我們就是要就是要強調這部分一定要"},{"start":10972.372,"end":10993.521,"text":"不能夠犧牲人民的隱私我們要法律保障然後醫療資訊這些部分個人敏感的一個資訊我們都要妥善的保護好不好委員剛剛講的是最基本的做到對不對那我們其實不斷的強調對 謝謝我想這部分我們在未來推動的時候當然第一個我們要先"},{"start":10995.475,"end":11003.499,"text":"提出我們的想法然後再跨部會溝通再確保民眾的基本權利下來來推動這個事情好的好謝謝謝謝謝謝委員謝謝我們結束閻寬恆委員質詢接下來請王世堅委員"},{"start":11028.204,"end":11036.393,"text":"謝謝主席我請辛苦的彭主委請彭主委喂好彭主委這個這兩年來"},{"start":11040.066,"end":11068.245,"text":"那你有江這個融資公司就最大的這薯條山兄弟啦那這個有把他們納入金寶法現在連這個第四大日盛也加進去就薯條山加日盛F4啦他們這四個這F4佔了市佔率大概佔了超過90%所以納入他們是非常正確所以這兩年來也陸陸續續"},{"start":11070.266,"end":11096.563,"text":"那麼這個融資這個爭議就少很多不過還有幾個問題我是想就教於你就是我認為這幾個問題你們還是要徹底的去查查去做這些金融檢查並且要求融資公司這些一定要徹底去解決就是說第一點實質利率的問題"},{"start":11097.662,"end":11122.144,"text":"就是說這些融資公司啊他們放款給消費者那麼這就已經利率很高大概都是13到15.99他故意閃避法令規定的16%好啦那表面上利率是沒有過16%但是他加了很多奇奇怪怪手續費開辦費"},{"start":11124.656,"end":11137.964,"text":"那這些往往因為這個民眾其實需要錢的話那就當時就也沒辦法問清楚那這個部分一起加進去就是我剛剛講的實質利率"},{"start":11140.626,"end":11156.384,"text":"所以那都非常高稍微高到17 18就超過法令的規定但是他用不同的名目收所以就規避了這件事所以我認為說你們應該去查查你們要要求業者"},{"start":11158.687,"end":11179.265,"text":"應該向客戶向消費消費者要來揭露揭露這個實質利率那這個部分那麼你們先前有沒有在做現在就是我們這個他們各家公司在我們現在的會員公司他們的工會的網站上都可以看到他們充分的揭露"},{"start":11180.767,"end":11195.489,"text":"那他是揭露給我們看的啦 給官方看的嗎我們這裡也有去了解他們所有的這些的狀況比如他們有收一些確實如果人講開辦費還有像比如他的社職費這些東西就是那些費用"},{"start":11196.07,"end":11211.142,"text":"然後他們都有在這個網站上面有結合只是委員剛才提到就是說他也把它還原成一個譬如說利率雖然是可能是對6號實質那你到底是多少嗎不是嗎對就是他比他加總以後呢確實是可以"},{"start":11211.923,"end":11232.992,"text":"做出一個總費用率的概念這個部分他應該要告知嘛明確的告知來借款的消費者或者借款的客戶那第二點就是說他有揭露在網站上面那個部分那個主委你知道有多少"},{"start":11233.832,"end":11255.241,"text":"我們一般啊這個忙著辛苦過生活辛苦工作的虛前恐急的事物他們是沒有在看這些的所以命告是最重要的所以還扯出其他的問題因為我要講六件所以我就稍微講快一點第二點就是提前清場的問題啦因為"},{"start":11257.422,"end":11277.772,"text":"這些來向融資公司借的消費 爭議最大的後來會發生爭議的 其實啊因為會去借就兩個原因嘛 虛情恐急那第二個就是什麼 衝動消費啦那衝動消費的這一些部分是在爭議案件裡面最多的"},{"start":11278.732,"end":11303.087,"text":"好啦 那即便衝動消費人那民眾或者他的家人他們也希望說那怎麼樣就趕快先解決了吧但是你要提前清償的話他們 欸 美其名這些融資公司說啊 這個叫你要多繳補償金給我們府衛 融資三兄 欸 那個融資薯條三兄弟齁他們這個 欸"},{"start":11305.869,"end":11318.7,"text":"騙你的利率騙你的利息騙不到心理補償就對了這補償金其實這就是違約金嘛而且這違約金高的離譜啦實時利率已經16%了然後高違約金12%"},{"start":11326.583,"end":11344.011,"text":"12%的高額約金我要提前我發現這不對勁的要提前還那這樣子也不行還要給你外加這一筆這是非常的我個人覺得這已經是一隻鼓要爆香而已啦第三個問題就是空白本票的問題"},{"start":11345.41,"end":11365.706,"text":"因為現在來跟我們投訴的民眾還是很多提到我說空白本票不是大量的這個部分已經解決了嗎這個部分但是事實上來投訴的民眾以我們這樣接到的我們過去先前把它這樣統計這九十幾件裡面還是"},{"start":11371.82,"end":11394.64,"text":"多數都說還是要簽這個空白本票那所以我是說是不是你們去跟業者要求說那在你們這個簽約這些過程是不是那麼可以做錄像的收存的留存或錄影啊"},{"start":11396.72,"end":11412.348,"text":"這個可以來做一個比對要不然人家怎麼會平白無故的就主動開張本票給空白的本票給他是不是請他們要求他們要錄影存證好不好那第四個問題就是說"},{"start":11416.013,"end":11440.19,"text":"鼠刀江兄弟就他們啦他們F4為主他們還是請了很多代銷公司去推銷推銷融資業務就還有這個代辦公司那這些爭議案件裡面也是一樣爭議最多的都是由這些代辦公司啦或者代銷公司去推銷"},{"start":11441.391,"end":11463.795,"text":"那麼所招來的這些融資的業務案結果這些爭議都最多所以事實上既然F4他們已經大到這數千億的這個規模他們應該就正正事事的乖乖曲曲的訓練他們自己的這個理財源啊"},{"start":11471.115,"end":11492.776,"text":"說貸款的這個專業的審查員他們應該設這個部分才對就不要再去委託什麼代銷公司代辦公室是不是跟他們做具體的要求好不好看他們多久之內可以去改善還有就是法人戶啦就是這些那個"},{"start":11494.844,"end":11503.394,"text":"那個租賃公司尤其F4他們特別喜歡透過這些代辦這些代銷"},{"start":11508.522,"end":11524.899,"text":"騙請要借款的人去虛設人頭公司那這個人頭公司你知道這些案件太多啦那去當人頭的人最後也最慘我也舉過幾個例子給我們金管會從去年甚至這個貸款金額"},{"start":11526.36,"end":11549.215,"text":"名義上4500萬其實他本金只拿到2500萬最慘的會是虛設了這人頭公司的人頭他在正常的公司那工作到最後連薪水都要被查封那這引來的更多的問題法律上怎麼可以去設人頭公司呢"},{"start":11550.215,"end":11567.504,"text":"然後這F4堂堂的上市櫃公司把貸款給虛設行號天吶那一起騙一起騙社會一起騙金融單位是這樣嗎那這樣我們就容不下這些融資公司啊"},{"start":11568.064,"end":11586.541,"text":"不需要有這樣的金融單位最後一項就是說針對這個數位保險先前你們就有言語要開放數位保險公司因為數位保險公司可以降低保費可以讓投保更便利這都是正確的我一直搞不懂"},{"start":11587.262,"end":11615.433,"text":"到底是我們政府一致不願意去成立還是說是這些保險公司抗拒啦因為保險公司他那麼希望透過這個所謂的這個可以來幫他們做代辦的可以去幫他們拉保險這樣的人際關係來拉保險是他們最大宗來源那所以這樣子的情況下事實上"},{"start":11616.533,"end":11644.48,"text":"對大家都不好嘛要投保的人希望簡單明瞭那就應該如果能夠透過數位保險公司去降低保費去增加能夠投保的獲益那也減低這些爭議嘛減低在這樣拉來拉去這樣子的爭議其實對於保險公司所聘請的人員其實也是正面的耶久而久之當他們人際關係被用完的時候他們是一下子就被踢開啊"},{"start":11645.14,"end":11662.385,"text":"所以事實上這個對我們整個社會是正面的所以我希望這六件事情那個彭淑慧在你這麼辛苦繁重的工作之下還是交辦他們要繼續下去追蹤針對融資公司尤其這個薯條餐兄弟跟這個F4"},{"start":11664.306,"end":11674.756,"text":"好 這些是你們最重大的目標是好 謝謝謝謝 謝謝委員好 謝謝 其他用書面答覆我們結束王世堅委員的集訓接下來請陳玉珍委員謝謝主席 請這個 諸位請問諸位"},{"start":11687.979,"end":11711.587,"text":"主委想跟您請教兩個議題一個是普惠金融的部分那一個是新創的部分這個普惠金融兩年前113年5月您上任了嗎5月20號上任了上任的時候我們那時候就請您對金門的這個普惠金融的這個部分就是要全覆蓋達到有效措施增進設點"},{"start":11713.087,"end":11739.781,"text":"這個是當時商人我們就質詢的不是今天才問的那時候你們有跟我們講說你們會去做有給我們答案那你看現在金門縣這些鄉鎮裡頭有一半的鄉鎮五大鄉鎮裡頭有三個鄉鎮雖然我們六個鄉鎮烏丘比較遠但是主要這五個大鄉鎮裡面還有三個鄉鎮是沒有擺脫金融機構貸政家的窘境您看一下"},{"start":11741.432,"end":11769.895,"text":"現實上就是說你們是聞風不動的您看一下到去年的12月底金融機構帶增加地區金門的部分金門縣的金陰鄉沒有銀行沒有信和社有一間郵局金沙鎮也沒有銀行列宇鄉也沒有銀行完全都沒有銀行進駐那兩年前你給我們的承諾說你們會去普設嘛原因是什麼呢沒做到原因是什麼呢我想這部分因為"},{"start":11771.853,"end":11801.238,"text":"設一個分行對金融機構而言它有它比較多的評估我想我們在過去對分行來講的話現在我也看到因為數位化的關係很多的銀行正在縮減數位化我也支持但是金門在地還蠻多年長的人也不一定完全那麼會用那數位化我們有很多旅外的鄉鷹也是會使用這沒問題現在說是不是因為你現行的這個措施引不起銀行的興趣因為金門小嘛尤其金融規模就是不夠嘛"},{"start":11801.638,"end":11828.297,"text":"就不會賺錢啦講事實就是這樣子啦不會賺錢嘛當然是不會銀行債商延商嘛他不願意去做嘛這表示你的鼓勵不夠啊對就是說我們最近呢也放寬了分行設立的標準啦也希望說能夠鼓勵尤其是這個代加強代設的已經兩年了啊我這個不是今天才問你嘛我事實上一直在說對不對基本上有超過一半的鄉鎮是沒有銀行的點啦"},{"start":11833.196,"end":11850.471,"text":"這個這個成本高我們知道嘛一些物流啊什麼資安啊硬體啊人事也會高一點嘛人口也少沒有辦法達到這個誘因嘛但是事實上基本存款是不少的如果銀行去那邊設點做相關的一些投資理財相關的還是會有一些成績基本的存款不少您知道嘛整個大概"},{"start":11850.871,"end":11856.556,"text":"所以你的這個獎勵措施是不夠的啊?怎麼做呢?你現在是說你去偏鄉社群加分嘛,對不對?那你們做一些東西,但是這些還是很消極被動,有沒有什麼真正的方法呢?"},{"start":11876.004,"end":11889.291,"text":"不然再問兩年我可能不會在這裡再問兩年啦但是這樣是沒有進步啊不過我想說確實啦因為這個畢竟這是一個商業行為我們只能透過政策來導引是啊那你的政策現在給的政策就是"},{"start":11890.307,"end":11913.104,"text":"無感嘛所以才會兩年的也沒有任何或者是你們完全沒有把我們說的話當一回事沒有增加任何的沒有增加完全沒有就等於說我們我們會希望持續的普及我們的金融服務像剛剛委員提到就是說這些鄉親們因為他現在只有在郵局跟信和社的服務郵局啊就沒有"},{"start":11913.464,"end":11934.991,"text":"沒有銀行的金融服務但基本上它有郵局跟信和社還是不夠它還是有基本的覆蓋但是我們說銀行的部分所以請你們來這都不是理由因為已經兩年了所以我請你提出第一個你要怎麼強化獎勵或者你提高補助銀行也會賺錢你用獎勵方法可能很有用銀行局在那裡對不對銀行你"},{"start":11937.438,"end":11965.961,"text":"用一點誘因他去離島幫忙做但是不會金融啊花一點錢他不會真的要虧也不會虧多啦講實話小地方也不可能讓你虧太多錢說不定理財做得還會賺更多錢這是有可能的所以你可能條件要鬆綁補助這個我這個當然思考啦那但是又說也很有錢說不定你用誘因比較有效在你現在是用加分可能不夠看有沒有什麼其他的方法好不好不要再拖了已經兩年了我們已經給你很長的時間了要看出一點點成績好嗎"},{"start":11967.082,"end":11981.713,"text":"不然至少金陵鄉嘛好不好現在三個鄉鎮沒有嘛不然金陵鄉事實上已經是第二鄉鎮了至少金陵鄉做一個好嗎多增加一個點嘛可以嗎做得到嗎一個月內給我 要報告再寫嗎 報告也寫過啦不是啦 已經努力兩年了嘛好嗎 就這樣可以嗎"},{"start":11993.072,"end":12019.319,"text":"幫主委解決一下難題舉行案說他會找金融機構來談一下好 麻煩一下了好 謝謝接著普惠金融這個不要一直讓金門沒有得到普惠金融這個然後接著那個那個創新的部分那個處長上回有來跟我報告處長不是有來這個之前有提你沒有提報告給我們書院報告也是啦這也是金門的部分啦這個法規彈性啦不限區域啦輔導啦如果有人去做你們就會開始支持啦點點點啦這個"},{"start":12021.44,"end":12048.356,"text":"都已經講很多了但是你這個遇到我們真實的困境是說金門現在是一個小山東的節點對吧人流很多那這個這種換匯的往來也很多嘛但是現在大家還是都是用現金換匯這個是一個很你剛才還在講科技數位那在金門就是因為你沒有給我們一些條件給我們一些機會或者你們創新的想法比如說你現在對高雄"},{"start":12049.156,"end":12072.085,"text":"對不對 你當然說每個地方都會推啦 都可以推啦 我也知道你的意思是這樣子但是你就特別去鼓勵高雄啊 在這個資產中心的部分嘛 這個我也支持基本的部分就是因為它是一個兩岸的節點 所以在這個支付的方面跟大陸之間的這個外匯的方面 支付的方面有這個地緣的一點優勢嘛 因為一年經過的人也好幾百萬人嘛"},{"start":12073.305,"end":12094.521,"text":"那你現在告訴我們的都是說 你們就是去做啦 然後廠商如果提出申請有個報告啦 說廠商如果提出申請 你們就去審查啦 訓練啦但是你看看高雄你們就不是啊 你們的態度不一樣啊高雄你們是主動發布政策 然後還排除障礙然後積極協助業者進駐 這個就有一個規模出來 我也支持啦"},{"start":12095.041,"end":12117.703,"text":"高雄有這樣的條件我們也非常高興我們進門你們是說歡迎你來申請法規你們去自己想沒有給一個政策我希望給一個像高雄這樣的政策我也不要很大的政策我們提出這個創新部門你們也有這麼多優秀的精英我也提出相關的這個建議或你們找業者來談很多創新業者你們找多一點業者來談"},{"start":12119.224,"end":12147.977,"text":"我想這個東西還是可行的啊位於這個兩岸的這個節點裡頭這個部分齁所以如果你想做我對你很看好啊如果你想做你都會成功啊你跟高雄也做很好那個有一些新的這個法規機制像保險方面也都做得很好業界是有素有好評啦說實話就是來做真的是表現得不錯有認真想要改變我沒有看到改變嘛但是我要看到這台灣的改變沒問題我要看到金門的改變我是金門的立法委員是吧"},{"start":12148.297,"end":12165.95,"text":"所以這個部分是不是在剛剛一個說一個普惠的部分你說要用數位好 數位那現在我說數位部分你又不給金門相當的這個條件或是政策的指引這部分可以幫我們做嗎因為我已經問過一次了而且你們已經回答那個回答是當然是很認真的回答啦但是我覺得這個不是政策指引啦"},{"start":12167.23,"end":12193.11,"text":"比照高雄方 我不要求那麼好的那個啦就是說 至少我們有提出相關的 業者找來嘛是不是可以這樣幫我們協助我想任何一個地方 他有心做這件事情但是還要看他當地的一些的特色有沒有市場性對 金門的特色在哪裡 讓你來看就是剛剛委員提到的 他就是一個在兩岸互動最密切的地方嘛"},{"start":12194.051,"end":12218.643,"text":"那再來就是說因為還有市場的規模啦還有就是主要是業者的誘因對很多事情都沒有誘因嘛那誘因也要政策的指引啊就像你去做這個我們的剛開始去年去去年吧去年去這個新創產業以前這個只有什麼專業投資人才可以投資啊你就放鬆綁啊是不是新創版這個誘因就大一點了是不是"},{"start":12220.004,"end":12247.963,"text":"如果從個資本市場角度來我不是要講欺負成為資本市場我的意思是說你用做這件事情的態度去來看待我們金融的金融發展我也期待就是說委員這邊能夠提出一個更具體的方案出來那我有找業者我有找很多業者在問他們有一些他們也有想法但他們都說金融金管會看起來就沒有很積極在支持先不要假設這樣就是說我覺得很多時候他應該是各個地方政府都提出他具體的一些的想法"},{"start":12248.563,"end":12272.179,"text":"我們可以來幫忙來串接啦因為你們給我的答案就是相當的官方啦歡迎業者申請啦我們提出來 那如果我們可以是不是 要不然業者找來嘛對 因為地方政府來發動提供一些的地方的誘因我們也有提出一些想法 我也跟這個新創處有提出是是 沒問題啊 我們隨時保持那個溝通啊"},{"start":12272.819,"end":12298.953,"text":"你也是金融的這個你才是我們金融的這個領頭羊又是專業啊你也幫我想一個嘛當然每個地方我們都願意再給我一個答案我已經跟你講我要做這兩方面你什麼時候給我這兩方面的答案我這邊可不可以請委員再提供更具體的一些的資訊當然可以啦那金管會主委是要換我嗎不是不是就你的需求是什麼再具體一點對啊我也會那請你也給我一些答案我會請我們再來溝通好 謝謝"},{"start":12302.527,"end":12325.356,"text":"好 謝謝我們結束陳玉珍委員的質詢接下來我們請葛如君委員好 謝謝主席有請今晚會彭主委請彭主委"},{"start":12329.309,"end":12352.954,"text":"主委好我想全世界都在看著台灣在虛擬資產上面大破大立要吸引全球的數位資產集中到我們這裡來那我想這個說不定金門也是一個很好的試驗點這個也許未來我們一起來討論那我們上週總質詢有曾經詢問過您比特幣ETF的事情結果過了沒幾天就傳出Morgan Stanley"},{"start":12354.454,"end":12354.754,"text":"我已經拜讀完畢了"},{"start":12376.94,"end":12398.09,"text":"當然就是裡面大概提到就是怎麼樣把那個比特幣作為儲備啦他提出很多優點啊缺點啊或是要怎麼做大概這樣好啦就希望說這個另外我們還有帶轉一份比特幣ETF的可行性跟法治建議研究報告這是另外一份所以麻煩再跟同仁同步一下像是那個Bitcoin的reserve是另外一份英文的那是這個我們這個"},{"start":12400.392,"end":12414.49,"text":"參議院的議員的這個背後幕僚機構幫台灣寫了一份那我們今天提到的是比特幣ETF還有另外一份再麻煩主委有空的話可以再簡短的來了解一下那另外這個政府啦"},{"start":12414.81,"end":12430.826,"text":"就是一方面成立亞洲資產管理中心剛剛有提到素有正面評價這個我們也都理解牛才引資但是一方面我覺得我們也要去擁抱像比特幣ETF這樣的一個新興商品不要對這樣子的商品有興趣的資金全部跑出去台灣"},{"start":12431.587,"end":12452.576,"text":"那之前主委好像有提過是不是五月份會有一份相關的進一步的報告好像本來是五月八號是不是因為主要是當時我們開放請那個券商工會他們每半年提一個現在執行的成果以及他們的分析那現在這報告已經送過來我們正在討論中我們到底什麼時候會有討論的結果"},{"start":12453.977,"end":12469.94,"text":"因為可以看到世界一直在前進不會等我們討論有沒有一個預計的時間討論的結果我們不會逼迫因為這個謹小慎微這個我們都是認同的可是世界一直在進有沒有一個月兩個月或三個月的時間"},{"start":12470.461,"end":12488.2,"text":"我們以半年為期啦大概我們希望說在六月底以前能夠有一個想法好六月底以前好那另外呢我們也非常關注就是謝謝這個主委啦我們一直都在做這個很好的三角互助互動的合作的關係那上一次總質詢時間比較短"},{"start":12489.702,"end":12513.977,"text":"那我也想特別的跟您分享一下日本在數位金融這塊的做法尤其在虛擬資產日本是採分業監管各取所長讓金融機構去負責存託跟發行因為他們這塊的經驗非常的豐富同時呢由信託銀行來負責保管1比1的法定貨幣準備金然後發行穩定幣那讓VASP的業者去做流通跟交易"},{"start":12515.238,"end":12526.905,"text":"負責讓這些受監管的穩定幣在平台上面掛牌去提供一般用戶用於交易或轉帳結算那如果很優質的VASP業者要來發穩定幣也不是不行所以我想這種創造雙贏甚至多贏大家人人都有攤喝這是一個很好的參考也希望未來在VASP訂立相關執法的時候也請這個主委還有這個金管會的同仁也關注一下各國的處理狀況那另外也跟主委分享一下"},{"start":12545.638,"end":12561.275,"text":"這個第一巨什麼暴漲我們不要看我們看後面那個Clarity Act那一直我相信金管會有很多同仁都在關注因為美國走的很前面啦就穩定幣美元穩定幣到底能不能升息銀行業跟這個VASP業者一直有這個"},{"start":12562.156,"end":12578.395,"text":"一邊合作一邊繳利那現在大概已經有一個雙方妥協了就是說可以有獎勵就是說被動存款被動式的固定收益不行可是主動式的可以使用者要有具體的活動要有聯動的獎勵那目前執法當中"},{"start":12578.775,"end":12592.883,"text":"如果有穩定幣相關的設計也希望主委跟這個部會同仁要去參考這個有可能六七月就會出來了所以這個也拜託注意還有一個大事這個不好意思讓主席站起來又坐下但是因為這是大事"},{"start":12593.863,"end":12617.319,"text":"DTCC這個大事喔DTCC美國存款信託暨結算公司宣布要把114兆美元114個trillion的US dollar的資產全面代幣化而且受到SEC的授權這個是我們一直在講的全世界要把資產價值推到數位的"},{"start":12617.779,"end":12636.806,"text":"我們現在還在做全球實體資產管理中心亞洲實體資產管理中心這不夠我們要走出去全球的數位資產的管理中心我們的法制早一點完備我相信主席也很支持所以我們一開始就有排審了這個相關的方向跟路線我們要做而且要有動作但是"},{"start":12637.406,"end":12665.849,"text":"主委的態度有點來來回回我們有點看不懂產業有點看不懂11月的時候你說完成技術可行性只剩下法規調適可是呢到了這個現在呢又說我們總質詢的時候啦您又跟我回說沒那麼快短期內沒辦法上線國外已經動起來我們到底要調適到什麼時候到底您說的短期我們RWA的突破性發展到底是一個一年還是三個月還是三年啊這個可不可以給我們一點"},{"start":12666.59,"end":12695.046,"text":"感覺我想這個如果能夠給委員感覺我一定給委員感覺因為確實我們在很多地方我們做了才知道有些地方需要突破那我想說我也不能夠過度的去講但是我希望我們能夠快不會慢時間的感覺現在這一句話時間沒有感覺能快不會慢人慢也不會快我只要確定到底是月還是年我只要能確定就會對外宣布"},{"start":12696.97,"end":12716.906,"text":"這個感覺起來好像是不會太久那那個卓院長有說啦希望以發行穩定幣的方式來進到虛擬貨幣的世界這個台幣穩定幣相關如果有執法也希望能夠早一點跟業界來做溝通我們一起來銜接好不好專法跟執法我們都一起同步謝謝主委的努力我們不要落後於世界謝謝"},{"start":12717.947,"end":12742.757,"text":"好 謝謝葛國勇委員的質詢有機會主委後面相關執法的擬定或一些公聽會後續的方向也讓我們知道一下也讓本委員知道一下好 謝謝葛國勇委員接下來請林楚瑛委員謝謝主席 主席有請主委"},{"start":12748.293,"end":12759.277,"text":"本席非常支持这个虚拟资产服务法的制定所以本席也有提出来而制定这个法规本席非常同意就是我们除了洗钱防支之外防打炸封控这都是非常重要的"},{"start":12759.397,"end":12780.396,"text":"但是今天我要問的一個問題是我們在vest的這個所謂本土的這樣的一個所謂服務商他其實從我們2024年從聲明制再推到登記制其實他的家數是逐年遞減從26家一路的往下現在剩下8家了而這樣的所謂中小型的新創vest退出市場"},{"start":12781.237,"end":12804.645,"text":"它除了是所謂市場的淘汰之外其實我現在要比較擔心而且回到一個實質面的問題就是我們知道過去這些VASP的廠商應該是說這些服務商他們過去是因為新創所以在新創的角度他們是提前進入了市場用他們的科技跟新創的技術然後把一個這樣子的所謂更前進的金融的服務把它帶進來"},{"start":12805.925,"end":12833.334,"text":"但是我们现在看到的是如果说这样的一个所谓离开市场是因为管制的门槛提高或者是说法尊的成本增加那么对于这些过去已经进入市场的这些所谓本土的中小型的这些是不是真的合于他们在过去投入的时候的一个成本的部分因为时间有限其实我想问的是在监理之外"},{"start":12833.914,"end":12837.042,"text":"能不能一起兼顧因為我們看到金管會現在"},{"start":12838.615,"end":12868.021,"text":"也核准了五家銀行這五家我就不列舉那麼這會不會是一個變成是小蝦米無法對抗大金魚因為我想要強調的是當然我們要法尊要封控要防洗錢防治的過程中我們監理如何把產業新創要能夠兼顧我們看到的是如果我們用舊的過去的這種所謂金融監理的想法如果你是站在直接套用過去證券的角度"},{"start":12868.761,"end":12896.78,"text":"去做現在新型態的所謂VASP或是虛擬資產的監管是不是合理包括我要提出來的是我們現行的法規對於資本額商業銀行100億保險20億那麼證券的承銷商4億自營商4億但是經濟商就2億那麼對於虛擬資產的這些VASP他們到底要訂多少的所謂資本額這個是執法才要訂定"},{"start":12897.981,"end":12926.802,"text":"但是我想問的是你看現在剩下來的這幾家我去查了一下其實他們的資本額都在低於3億以下那麼這會不會是接下來你訂執法的時候把他們一網打盡的清出這個市場而只留待給這些所謂傳統的這些金融機構才有機會繼續留下來服務我覺得這樣的離開對於消費者來說真的是一種保障嗎還是透過現有的法規變成是把他們趕出去了市場"},{"start":12927.603,"end":12954.841,"text":"那麼今天在報告當中特別有講本會是參考國際組織及各國主要國家之規定作業跟規範來擬定虛擬資產的服務法草案我認同但是主委你知道包括歐盟、香港、英國或美國、紐約這些國家他們對於VEST的這些所謂的在資產上面的額度他們規定的金額是多少嗎你知道嗎"},{"start":12956.075,"end":12978.02,"text":"我們當然有收集啊 他們一向是相對比較寬鬆的是 他們相對是比較寬鬆的如果我的資料沒有錯誤的話像歐盟 低風險的其實只要台幣184萬這當然相對於是非常寬鬆的那麼香港的話呢 大概就是2000萬到4000萬左右那麼英國的話就是沒有固定資本的要求那美國的話呢 大約是台幣1500多萬元"},{"start":12980.1,"end":12998.146,"text":"當然我要強調的是我們不一定要跟其他國家一樣訂定的這麼低這麼寬鬆但是我只想問會不會這個法令一旦訂出來之後它面臨的就是在新創跟金融監理或者監管當中無法兼顧 主委"},{"start":12999.126,"end":13016.019,"text":"我想委員那個關注我非常理解我簡單回答兩個資本額我們過去的理念都是RBC就是Based on Risk你的Risk越高當然對你的資本那是保護我們的交易人或者我們的一般的消費者或投資人"},{"start":13016.92,"end":13031.089,"text":"那以這個基礎來看我們當然會參照比如說剛剛委員提到說國際上它的比如說表面的資本額多少而要看它實質的資本額是多少這個主委先答那第二個也關於遊戲規則的部分我們把遊戲規則透明化"},{"start":13032.129,"end":13046.137,"text":"當然是我們還是要維持一定的公平性但是這是一個自由市場的競爭我想所有業者在投入的時候他已經有考慮到這一點任何透過政策的保護這件事情都會其實長期都不存在我的意思是說"},{"start":13047.057,"end":13076.537,"text":"我覺得有能力的一定就能在未來能夠存活而且我覺得我們也看到很多他們的努力應該我覺得未來市場會是越來越公平好我就下一個結論不好意思主席好就是我希望在這兩者之間除了金融監理之外台灣是一個IT大國這個IC大國整整晶圓大國但是我希望在技術服務上面也要能夠跟得上世界的潮流是好謝謝我們結束林楚英委員的舉行好謝謝委員"},{"start":13077.997,"end":13100.024,"text":"接下來 林倩琦 林倩琦 林倩琦委員不在 接下來請鍾嘉斌委員主席 在場委員先進 列席政務司長 市長 官員 會長 工作夥伴 媒體 記者 女士 先生有請彭主委彭主委"},{"start":13103.683,"end":13106.564,"text":"昨天出了一個大新聞就是關於他以信託財務傳承記得我在去年3月份就請教你一個問題"},{"start":13120.669,"end":13146.264,"text":"說如果是財富傳承要進入戶口名簿的傳承信託受益人還問你說有沒有什麼其他不用修法就放了你們找出來了嘛現在直系血清被清數還沒生出來的都可以納入為他一信託好 是這樣你們想出來的方法透過函式沒有法務部的解釋啦法務部的解釋 OK好我們來看一下新聞標題去年代代相傳不必到海外連續受益人信託100年存息期間只課一次稅好啦 結果呢另外一個討論下一頁是什麼"},{"start":13147.401,"end":13164.073,"text":"會不會造成稅損啊會不會幫助有錢人避稅啊不是嘛 為什麼因為這些有錢人在台灣的有錢人他們用保險規劃用逐年的正餘免稅額還包括房地產他以公告限制送其實目前課不到稅嘛所以有沒有這個"},{"start":13165.27,"end":13190.157,"text":"都不會影響到稅收那目的是什麼沒有增加稅也沒有減少稅那目的是什麼希望留住台灣的財富或是說海外的能夠喔對了我們希望不只留住自己的本國有錢人的資金財富也把他國的吸引過來對不對好那我問一下那目標是多少你估計說這個這樣的一個韓式之後他一進脫我們可以得到吸引多少有沒有一個目標"},{"start":13191.137,"end":13216.892,"text":"當然現在來講還在初始階段因為我們還要等商品出來我想因為台灣的民間一個政策一定要有個目標嗎你大概期望多少期望民間的財富非常的多這也是列入在我們 百億千億這個沒辦法跟委員回答啦我意思是說政策一定要有目標因為目標才能問你什麼因為我下一個問題是說那這麼多資金你要留到哪裡去你招商你引資引進來你的目標要做什麼"},{"start":13218.243,"end":13236.289,"text":"要引導到哪裡?對,就是等於說這是我們未來資產管理的一個重心是,那我已經幫你連結了,我幫你連到哪裡?就是資產代幣化的原因啊我們今天透過那個虛擬資產的一個管理法我們就是希望說創造更多引來的資金有這樣一個市場,讓他可以來參與這個籌碼,對不對?好,那我們來問一下"},{"start":13240.55,"end":13261.745,"text":"現在我們的加密貨幣全球的市場大概有2.8兆的美金比特幣就1.6兆那這些幣商交易所他們有遇到一個問題因為這些加密貨幣只要你想要離開你換成法幣你就要付匯差或手續費所以他們希望有趴一個避風港"},{"start":13262.566,"end":13279.042,"text":"所以交易所他希望說不要抖我的教授只有幣幣交易我希望有穩定幣有沒有幫助有幫助可是穩定幣沒有什麼沒有利息所以他們希望更多的RWA進到這樣的一個加密貨幣讓那些暫時脫離想要脫離幣值太高"},{"start":13282.705,"end":13305.184,"text":"波動太大的他就趴到這裡來然後呢還有收益對不對而且這個時候呢 幣商啊或者交易所呢他本身的一些準備有法定貨幣他可以釋出好 那這個是不是我們推WRWA的一個方向一個可能性這個是RWA未來應用的一個場景一個場景好 但是你們現在說債券跟黃金先行 為什麼下一頁"},{"start":13307.561,"end":13314.28,"text":"為什麼債券跟黃金錢暫緩推動這個如果是基金就不行為什麼 排除基金"},{"start":13315.402,"end":13338.002,"text":"為什麼我們沒有排除暫時第一個的時候我們是實驗性質會先以那個現在比較容易進行的來開始容易實體資產容易估值的嘛黃金跟債券美債很容易估值嘛那那個基金恐怕有什麼帳戶複雜啦交易制度複雜啦那我請教一下如果要增加RWA的多樣性那問你票券可不可以"},{"start":13339.295,"end":13362.839,"text":"我想RW的精神就任何東西都可以那所以你們未來也會把票捐納入囉未來就按照那情況說按照國際的趨勢應該是比如說類似貨幣基金可能會好所以呢我接下來主席站起來很快的把它結束因為我要問什麼問題為什麼我剩下的問題是什麼那頭性公共病病的目的是什麼只是為了規模變大嗎還只是到第八名而已耶"},{"start":13363.823,"end":13375.692,"text":"如果公共病的目的是要讓這樣的一個投信的市場擴大你要創造新的商品嘛那RWA就是一個所以我想問一下那麼目前有沒有一個有沒有一個方一個時程"},{"start":13376.756,"end":13394.766,"text":"我想這跟釋迦投信公共變還那個連結性還沒有啦但是最重要是我們還是要先讓他能夠上線落地啦好那我最後呢就是說我還是要提醒主委那時候我一直關心綠子其實綠子呢也是可以用WA的方式所以希望你的綠子推動得怎麼樣"},{"start":13398.968,"end":13408.799,"text":"有繼續希望我們草野集團趕快通過當然我們已經把草案審查完當然希望趕快通過好 那類似通過之後是不是有助於用RWA來處理請回答"},{"start":13413.789,"end":13442.429,"text":"RWA 我就說瑞子是不是有幫助於我們的RWA的內容更豐富未來也是它那個標的之一啊是 所以我們希望說能夠結合我們的公共建設的瑞子能夠讓我們未來的RWA的內容更豐富讓引入的這些各種的外資能夠更有活更多的籌碼讓我們的所謂的亞太金融中心能夠成為實踐好不好好 謝謝我們結束了專家兵委員的集訓接下來吳思堯 吳思堯 吳思堯委員不在蘇清賢 蘇清賢 蘇清賢委員不在邱志偉委員"},{"start":13465.058,"end":13474.723,"text":"主席是不是有請今晚會諷主委請主委主委您好 主委您好 辛苦了主委 這個關於股市目前的現況"},{"start":13476.975,"end":13497.894,"text":"幾點就交給主委就是說市值是全球第六它每天成交成交量大概是1.5兆差不多這個規模中央市政府總預算一年多少錢大概3兆左右兩天的銀額就超過中央市政府總預算你們的交易量對 交易量所以"},{"start":13499.444,"end":13527.972,"text":"有一些學者提出一些景氣循環的看法景氣有循環一定有起有落對不對產業會輪動那這一波的上漲成為這個全世界前六大的這個市場那有一些機會也有一些的隱憂跟風險就產業分配不均像我在南部中南部傳統產業很多金屬、鉤建、鋼鐵、石化等等"},{"start":13529.427,"end":13551.024,"text":"這個他們的股價大概是還是維持在股市大概是1萬點的左右的水平那這波完全是AI帶動上來的所以我也想請教主委對於股票市場的現況你做一個證券的主管機關或者金融主管機關或者你做一個學者"},{"start":13552.253,"end":13568.977,"text":"你對現在的股票市場情況有沒有一些看法或者評論或者建議我剛講有三點回應這個委員第一個我是一個基本上主管機關我不會對市場做任何的預期跟預判第二個"},{"start":13571.465,"end":13592.596,"text":"資本市場有人說是經濟的櫥窗就是我們扮演好櫥窗的角色就讓這個櫥窗充分的反映我們經濟的現況我想大概是這個所以我們要做到這一點一定要我今天重複很多次我們努力的方向就是讓這個市場更公平更安全更效率尊重市場機制你說反映市場的狀況反映產業目前的狀況"},{"start":13597.859,"end":13625.867,"text":"透過股市來反映但是我必須點出一個問題就是說這個產業的榮景是部分榮景有些產業並沒有榮景反而是比過去更糟所以我會擔心說這個這一波好像變成一個全民熱潮這個投資過去慢慢弱化了變成一個投機我會擔心這個每天這種大量然後這個"},{"start":13629.132,"end":13651.86,"text":"市值衝高那不可能說天天都是晴天對不對不可能天天都是春天有時候會下雨有時候會所以我是覺得這個現在的股市當然是充滿了這個你說的反映產業的榮景那我必須提醒你說這個產業部分的榮景而已"},{"start":13653.24,"end":13678.24,"text":"所以我也不知道怎麼了我是想說你作為一個主管機關你也不能對這股市有任何的評論但是有很多的學者提出一些他們認為未來可能潛在的一些這個風險跟疑慮但是學者比較多了對於這些學者的看法我覺得還是要主管機關還是要多重視一下"},{"start":13679.537,"end":13684.592,"text":"因為這個在雅灣謝謝您這個上任之後全力推動"},{"start":13686.254,"end":13711.789,"text":"這個資產管理中心資產管理中心是未來這個高雄市城市轉型除了從傳統產業轉向高科技產業AI半導體等等不然是製造或者研發中心那我們也成為這個未來台灣六都裡面重要的金融城市所以資產管理中心啊把目前設置到現在還有哪些不足的地方我想請教一下主委"},{"start":13712.489,"end":13736.081,"text":"是 我想因為這可以做的事情還非常的多啦因為我們的目的是希望台灣成為一個這個資產管理的重鎮我們希望台灣有很多的城市或很多的地區都能扮演各種不同的角色來促進這件事情的發展我想高雄有它的地理區域 還有它周邊產業的效應還有這些地方政府的支持"},{"start":13736.681,"end":13762.611,"text":"那當然他可以做出他的特色我們也希望說把這個東西能夠全台灣都能夠來共同努力這件事到目前為止的現況你滿意嗎我不能說滿意但是都有符合我們的預期在進行中好 謝謝 謝謝主委好 謝謝我們結束邱志偉委員的質詢徐欣盈 徐欣盈 徐欣盈委員不在我們今天登記發言的委員都已經詢答完畢"},{"start":13768.235,"end":13773.322,"text":"對 已經許談完畢然後本次會議做如下的決定"},{"start":13775.148,"end":13782.731,"text":"请不吝点赞 订阅 转发 打赏支持明镜与点点栏目请不吝点赞 订阅 转发 打赏支持明镜与点点栏目请不吝点赞 订阅 转发 打赏支持明镜与点点栏目请不吝点赞 订阅 转发 打赏支持明镜与点点栏目"},{"start":13798.817,"end":13799.097,"text":"好 請我們開始宣讀"},{"start":13826.409,"end":13852.378,"text":"相關的提案內容虛擬資產服務法相關的八個提案的內容請開始宣讀虛擬資產服務法草案行政院版第一章總則第一條為健全虛擬資產業務之經營與發展增進虛擬資產服務及交易市場之管理並保障虛擬資產交易人權益促進金融科技創新特制定本法第二條本法之主管機關為金融監督管理委員會第三條本法用詞"},{"start":13853.098,"end":13865.31,"text":"定義如下 依虛擬資產指運用密碼學及分散式帳本技術或其他類似技術表彰得以數位方式儲存、交換或以轉資價值且用於支付或投資目的者"},{"start":13866.82,"end":13887.657,"text":"但不包括以下資產一 數位形式之新台幣外國貨幣及大陸地區香港或澳門發行之貨幣有價證券及其他法令發行之金融資產二 表彰之價值具不可代替性之非同質化代幣二 發行指與我國境內對不特定人或特定多數人創設並招募虛擬資產之有償行為交易人"},{"start":13902.534,"end":13921.648,"text":"4.客户只接受虚拟资产服务商提供第六条第一项各款制服务者5.境外虚拟资产服务商只以盈利为目的依照境外法律组织登记之虚拟资产服务商6.稳定币只表彰于单一或多个法定货币之价值连结以维持其价值稳定之虚拟资产"},{"start":13923.12,"end":13937.556,"text":"七 錢包只用於以儲存使用虛擬資產所需之密碼金要之應用程式或設備第四條 為促進普惠金融及金融科技發展不限於虛擬資產服務商得依金融科技發展與創新實驗條例申請辦理"},{"start":13940.739,"end":13961.15,"text":"虛擬資產業務之創新實驗前項之創新實驗與主管機關核准辦理之期間及範圍內得不適用本法之規定主管機關應參酌第一項創新實驗之辦理情形檢討本法及相關金融法規之妥適性第五條未促進我國與其他國家虛擬資產主管機關之國際合作主管機關或其授權之機關機構或團體依互會員則得與外國政府機構"},{"start":13966.833,"end":13992.074,"text":"或国际资讯交换技术合作协助调查等事项签订合作条约协定或协议除有妨害国家利益或交易大众权益者外主管机关依前项签订之条约协定或协议而恰请相关机关或要求有关之机构法人团体或自然人依该条约协定或协议提供必要资讯并基于互惠及保密原则提供于我国"},{"start":13993.436,"end":14010.938,"text":"與與我國簽訂條約協定或協議之外國政府機構或國際組織第二章虛擬資產服務商第六條依本法經營之虛擬資產業務需在我國境內為他人提供下列服務為業依虛擬資產與新台幣外國貨幣及大陸地區香港或澳門"},{"start":14011.919,"end":14030.447,"text":"发行之货币兼之交换及相关服务2.虚拟资产兼之交换及相关服务3.虚拟资产之移转及相关服务4.保管或管理虚拟资产用以控制虚拟资产之工具及相关服务5.虚拟资产发行或销售及相关服务"},{"start":14031.519,"end":14052.137,"text":"六 受讓虛擬資產並約定返還或給付相同或較高數量或價值之虛擬資產及相關服務七 其他經主管機關核定之虛擬資產服務經營前向各款業務之一者為虛擬資產服務商並依下列各款定期種類一 經營前向第一款或第二款業務者為虛擬資產交換商二 經營虛擬資產"},{"start":14055.74,"end":14084.138,"text":"集中交易市场业务之虚拟资产交换商为虚拟资产平台交易商交易平台商三 经营前向第三款业务者为虚拟资产移转商四 经营前向第四款业务者为虚拟资产保管商五 经营前向第五款业务者为虚拟资产承销商六 经营前向第六款业务者为虚拟资产借贷商七 经营前向第七款业务者为其他虚拟资产服务商"},{"start":14085.825,"end":14110.554,"text":"7.虚拟资产服务商应依前条第二项规定种类分别取得主管机关之许可及发给许可证照,使得营业未经许可及发给许可证照者不得经营各该虚拟资产业务虚拟资产服务商设置分支机构或自动化服务设备应经主管机关许可或核准境外虚拟资产服务商在中华民国境内设置分支机构应经主管机关许可及发给许可证照"},{"start":14111.514,"end":14137.083,"text":"金融机构得经主管机关之许可兼营虚拟资产业务为本法之虚拟资产服务商前四项虚拟资产服务商与其分支机构及自动化服务设备之设置条件申请许可或核准之程序应检附书件废止许可或核准金融机构兼营资资格条件与经营业务之种类及其他相关事项之办法由主管机关定之"},{"start":14138.868,"end":14166.746,"text":"第八条虚拟资产服务商应依主管机关核准之业务范围经营业务新增虚拟资产业务及经营其他业务应经主管机关核准虚拟资产服务商之迁移、裁撤、开业、停业、复业、歇业、解散及业务范围之变更应经主管机关核准前二项虚拟资产服务商经营业务财务之管理申请核准之条件程序应检复书件废止核准"},{"start":14167.219,"end":14185.757,"text":"及其他應遵行事項之辦法由主管機關定之前項虛擬資產服務商經營業務財務之管理涉及中央銀行執掌事項者應會商中央銀行定之第九條虛擬資產服務商之組織以股份有限公司違憲但境外虛擬資產服務商依第七條第三項設置分支機構"},{"start":14186.698,"end":14209.816,"text":"金融机构因第七条第四项规定兼容虚拟资产业务或其他经主管机关核准之组织形式则不在此限第十条虚拟资产服务商之名称应标明虚拟资产之质样但依第七条第四项规定兼容虚拟资产业务则不在此限非虚拟资产服务商不得使用前项名称或意使人物认为其为虚拟资产服务商之名称"},{"start":14212.378,"end":14233.913,"text":"11.虚拟资产服务商因有最低资本额获取拨营运资金,其金额由主管机关定资。虚拟资产服务商因于开始营业前向主管机关指定资金融机构缴存营业保证金,其金额由主管机关定资。虚拟资产服务商因虚拟资产业务所生债物资债权人对于前项营业保证金有优先受清偿之权。"},{"start":14234.753,"end":14259.131,"text":"虚拟资产服务商因履行前项责任至营业保证金低于第二项所定额度时应予补足第十二条虚拟资产服务商之负责任及业务人员之资格条件行为规范训练及其他因行遵行事项之规则由主管机关定之未具备前项规则所定资格条件者不得充任虚拟资产服务商之负责人及业务人员已充任者主管机关应予解任"},{"start":14260.287,"end":14285.363,"text":"第十三条虚拟资产服务商之对外负债总额不得超过其净值至一定倍数其流动负债总额不得超过其流动资产总额至一定乘数但金融机构因第七条第四项规定坚移虚拟资产业务者不适用之情项一定倍数及乘数由主管机关定之第十四条虚拟资产服务商应建立内部控制及集合制度其目的政策"},{"start":14287.052,"end":14313.207,"text":"目的原则政策作业程序及其他应遵循事项之准则由主管机关定之虚拟资产服务商应建立支通系统之安全管理制度营运资讯之管理及保密政策营运持续性政策并采取适当措施及程序其办法由主管机关定之第十五条虚拟资产服务商作业委托他人处理者其对委托事项范围客户权益保障风险管理及内部控制原则"},{"start":14313.647,"end":14333.702,"text":"应定定内部作业制度及程序其办法要主管机关定制第十六条虚拟资产服务商提供虚拟资产服务应本公平合理及诚实信用原则尽善良管理人之作业义务与忠实义务第十七条虚拟资产服务商对于客户资料往来资料往来交易资料"},{"start":14334.195,"end":14356.471,"text":"及其他相关资料,除依其他法律或符合主管机关规定之特殊情形者外,应保守秘密。主管机关得令虚拟资产服务商就前项应保守秘密资料,定定相关之书面保密措施,并以网际网路或主管机关指定方式,揭露保密措施之重要事项。第十八条,虚拟资产服务商"},{"start":14357.452,"end":14376.053,"text":"为客户保管之资产与其自有财产因依主管机关规定之方式分别独立虚拟资产服务商之债权人不得对虚拟资产服务商保管之客户资产为任何之请求或行使其他权利虚拟资产服务商破产时其保管之客户资产不属于其破产财团"},{"start":14377.611,"end":14403.852,"text":"虚拟资产服务商除依客户之指示处分客户之资产依法抵消客户对其之费用债务或其他主管机关许可之事由外不得动用或指示金融机构动用客户之资产第十九条虚拟资产服务商未办理虚拟资产业务所设法定货币之收付得经客户同意将客户之法定货币留存于该虚拟资产服务商与金融机构开立之相同必别存款账户"},{"start":14405.731,"end":14420.38,"text":"虛擬資產服務商應將前項客戶留存之法定貨幣交付信託或取得銀行實足之履約保證虛擬資產服務商依前二項規定留存客戶法定貨幣者準用第26條第三項及第四項所定辦法之規定"},{"start":14422.305,"end":14447.21,"text":"20 虚拟资产服务商不得拒绝客户提取或转出其资产但依其他法律或符合主管机关规定之特殊情形者不在此限虚拟资产服务商对疑似不法或娴属异常交易之客户得予暂停转入提取或转出其资产或暂停全部或部分交易功能前向疑似不法或娴属异常交易客户之认定基准暂停转入提取转出或交易之作业程序"},{"start":14447.91,"end":14465.322,"text":"及其他因行遵循事項之辦法由主管機關定之第21條主管機關對於虛擬資產服務商辦理出借虛擬資產業務之出借總額個別虛擬資產出借限額及對關係人或關係企業之出借得以限制其限制額度"},{"start":14466.502,"end":14480.91,"text":"出借交易规范关系人与关系企业之范围及其他应遵循事项之办法由主管机关定之。第22条,虚拟资产服务商应定其向主管机关申报及公告经会计师查核签证或合约之财务报告。"},{"start":14481.73,"end":14509.575,"text":"前項財務報告之內容適用範圍作業程序編制查核簽證或合約申報程序申報期間公告事項配置保存及其他應遵行事項之辦法由主管機關定之不適用商業會計法第4章第6章及第7章之規定第23條虛擬資產服務商之財務業務或其他資訊應介入與通報主管機關其介入與通報之方式項目範圍10點及其他應遵行事項之辦法由主管機關定之"},{"start":14510.615,"end":14523.503,"text":"虚拟资产服务商应留存其为客户办理虚拟资产服务之相关记录被公查和前项服务记录之保存至服务关系终止时止应保存5年但亦有争议者应保存至争议消除为止"},{"start":14525.9,"end":14543.746,"text":"24.虚拟资产交换商应确保其提供交换服务之虚拟资产具有符合主管机关规定之发行说明文书,使得提供服务,并应公告该虚拟资产之发行说明文书。但有下列情形之一则不在此限,因虚拟资产之发行系无偿。2."},{"start":14543.746,"end":14549.227,"text":"虚拟资产之发行系作为维持其分散市占本运作或验证其交易之劳务报酬。3."},{"start":14549.227,"end":14551.148,"text":"符合主管机关规定之特殊情形。"},{"start":14552.128,"end":14565.667,"text":"第25条虚拟资产交易平台商应就虚拟资产之上下架定定审查基准及审查程序其审查基准与程序之定定及其他应遵循事项之办法由主管机关定之"},{"start":14566.846,"end":14588.286,"text":"虚拟资产交易平台商应确保其提供集中交易市场服务至虚拟资产经申请主管机关同意时的提供服务虚拟资产交易平台商申请同意之程序条件废止及其他应遵循事项之规则由主管机关定之虚拟资产交易平台商应建置防止市场交易不公正之机制"},{"start":14589.006,"end":14610.139,"text":"及侦测价量异常警示等措施第26条 虚拟资产保管商保管之客户虚拟资产其财产权归属于客户虚拟资产保管商不得与客户约定财产权移转于虚拟资产保管商虚拟资产保管商收受客户之虚拟资产不得与其自有之虚拟资产混合保管"},{"start":14611.019,"end":14620.807,"text":"心理资产保管商就所保管之客户资产应设置经常性及定期性质对账措施并委任会计师出去报告该报告应向主管机关申报及公告"},{"start":14621.877,"end":14643.198,"text":"前项报告之种类申报程序公告事项备置保存及其他应遵循事项之办法由主管机关定之第27条 虚拟资产保管商委托他人保管客户之虚拟资产者该他人以主管机关许可之虚拟资产保管商为限虚拟资产保管商应将前项委托他人保管虚拟资产之情形告知客户"},{"start":14645.4,"end":14662.095,"text":"28.虚拟资产承销商应确保其提供发行或销售及相关服务之虚拟资产具有符合主管机关规定之发行说明文书,使得提供服务,并应公告该虚拟资产之发行说明文书,但有第24条但书所定情形之一则不再实现。29."},{"start":14662.095,"end":14667.359,"text":"虚拟资产承销商应就其提供发行或销售及相关服务之虚拟资产,"},{"start":14668.18,"end":14696.26,"text":"定定审查基准及审查程序其审查基准与程序之定定及其他应遵循事项之办法由主管机关定之第三章虚拟资产服务商同业工会第29条虚拟资产服务商非加入同业工会不得营业同业工会非有正当理由不得拒绝虚拟资产服务商之加入或就其加入附交不当之条件同业工会之设立组织及监督除本法定有规定外适用商业团体法之规定"},{"start":14697.02,"end":14712.255,"text":"第三十条,同业工会应急于健全虚拟资产业务之经营与发展,保障虚拟资产交易市场秩序,协调同业自律及促进虚拟资产产业创新之目的,定定其章程,同业工会章程应记在事项。"},{"start":14713.607,"end":14741.065,"text":"監督事项与其负责人与业务人员之资格条件财务业务及其他应遵循事项之规则由主管机关定之同业工会为发挥自律功能及配合虚拟资产业务之发展得向其会员收取商业团体法所规定经费以外之必要费用其总类及费率由同业工会拟定报经主管机关备查第31条主管机关基于保护公益或交易人权益任由必要时"},{"start":14741.545,"end":14761.119,"text":"得令同业工会并更其章程规则的决议或提供参考报告之资料或为其他一定之行为同业工会之理事或监事有违反法令待于实施该会章程或规则滥用职权或违背诚实信用原则之行为者主管机关得以纠正或令同业工会予以解认"},{"start":14762.04,"end":14773.265,"text":"第32条同业工会得依章程制规定对会员及其会员代表违反章程规章自律公约相关业务自律规范或会员大会或理事会决议等事项是为必要之处置"},{"start":14774.52,"end":14799.689,"text":"同業工會應定立會員自立公約及違規組織申付辦法提經會員單位通過後報請主管機關核定後實施修正室一統第三十三條同業工會應定其辦理對虛擬資產服務商及虛擬資產交易人之教育宣導同業工會應協助虛擬資產服務商辦理其負責人及業務人員之教育訓練第四章穩定必發型及管理第三十四條"},{"start":14801.092,"end":14827.433,"text":"政府国发行稳定币应由发行人向主管机关申请许可主管机关为前项许可前应会商中央银行同意申请第一项许可之稳定币发行人以股份公司为限其最低时收资本额由主管机关定之申请第一项许可之发行人资格条件申请程序应久复书件得发行之稳定币种类应用场景废止许可及其他应遵行事项之办法由主管机关会商中央银行定之"},{"start":14829.83,"end":14849.317,"text":"35.虚拟资产服务商提供第六条第一项各款服务涉及稳定币者应确保该稳定币依第34条第一项规定许可发行或经申请主管机关同意交易时的提供服务虚拟资产服务商申请同意交易之程序条件费值及其他应遵循事项之规则由主管机关会商中央银行定之"},{"start":14851.198,"end":14862.063,"text":"36.稳定币发行人应设置与维持十足之准备资产,储存于境内之金融机构,且该准备资产应与其自有财产分别独立,并进行定期查核。37."},{"start":14862.063,"end":14874.809,"text":"稳定币发行人发行至稳定币总面额达一定金额者应缴存足额之准备金,该准备金计入前项准备资产,稳定币之发行涉及外汇部分,应依中央银行规定办理。"},{"start":14876.485,"end":14899.327,"text":"穩定必發行人除符合主管機關規定之事由外不得動用第一項之準備資產第一項及前項準備資產之設置動用與定期查核之程序方式及其他應遵行事項之辦法由主管機關匯商中央銀行定之第二項是以定金額準備金繳存之比率方式調整查核及其他應遵行事項之辦法由中央銀行匯商主管機關定之"},{"start":14900.796,"end":14910.097,"text":"第37条 稳定币发行人因以面额发行及赎回稳定币稳定币发行人就其发行之稳定币不得支付任何形式之利息或收益"},{"start":14910.836,"end":14935.671,"text":"稳定幣发行人不得拒绝稳定幣持有人申请赎回但依其他法律或符合主管机关规定之特殊情形则不带此限第一项稳定幣发行与赎回之程序方式及其他因遵循事项之办法由主管机关会商中央银行定之第三十八条非稳定幣持有人不得对第三十六条第一项之准备资产为任何之请求或行使其他权利"},{"start":14936.611,"end":14940.394,"text":"穩定幣發行人破產時第36條第一項之準備資產不屬於其破產財團穩定幣持有人對於該準備資產有優先受清償之權"},{"start":14946.877,"end":14970.865,"text":"第39条稳定必发行人应就稳定必发行与赎回建立内部控制及集合制度支通系统之安全管理制度及营运持续性政策其办法由主管机关会商中央银行定制第40条稳定必发行人对于稳定必发行与赎回之交易资料及其他相关资料除以其他法律或符合主管机关规定之特殊情形者外应保守秘密"},{"start":14971.892,"end":14999.302,"text":"第41條 穩定幣發行人應對外介入下列資訊一 發行說明文書二 準備資產管理政策及穩定幣輸回政策流通在外資穩定幣餘額三 四 準備資產之組成結果之組成內容價值及依第36條第一項規定進行定期查核之結果五 其他主管機關指定之資訊前項資訊介入之頻率程序方式及其他應遵循事項之辦法"},{"start":15000.322,"end":15006.895,"text":"由主管機關會商中央銀行定資穩定幣發行人應依主管機關及中央銀行之規定申報穩定幣發行相關資料"},{"start":15010.762,"end":15030.789,"text":"第五章 管理及监督第四十二条虚拟资产自发行或交易不得就足以重大影响虚拟资产发行或交易资资讯有虚伪、诈欺、隐匿或其他族自他人物性之行为倾向所称有重大影响虚拟资产发行或交易资资讯只对虚拟资产发行或交易价格有重大影响"},{"start":15031.289,"end":15054.836,"text":"或对正当交易人之认购或交易决定有重大影响之资讯违反第一项规定者对于该虚拟资产之善意交易人因而所受之损害应付赔偿责任对于虚拟资产不得意图影响虚拟资产交易之价格或意图造成虚拟资产交易活络之表象而为直接或间接从事影响虚拟资产交易价格或供需之操纵行为"},{"start":15056.328,"end":15062.407,"text":"违反前项规定者对于该虚拟资产之善意交易人因而所受之损害应负赔偿责任"},{"start":15063.069,"end":15087.484,"text":"第三項及前項規定之損害賠償請求權自請求權人之有得受賠償之原因使其二年間不行使而消滅自賠償原因發生之日起與五年者一同第四十三條主管機關為保護公益或交易人利益或維護市場秩序得隨時令虛擬資產服務商同業工會穩定必發行人或與其有"},{"start":15088.344,"end":15114.031,"text":"財務或業務往來之關係人於期限內提出財務業務報告或其他相關資料並得直接派員或委託適當機構檢查虛擬資產服務商同業工會穩定並發行人或其關係人之營業財產設備帳簿書類電池記錄系統錢包或其他有關物件或資料發現有違反法令之重大嫌疑者並得封存或調取其有關文件主管機關認為必要時得隨時指定律師會計師或其他專門職業或技術人員"},{"start":15116.372,"end":15138.504,"text":"为前项之检查并向主管机关据实提出报告或表示意见其费用由被检查人负担主管机关对于有违反本法行为之余者得请求其他机关或令金融机构提供必要资讯或记录亲身向所得知资讯除为健全监理及保护教育人之必要外不得公布或提供他人"},{"start":15139.502,"end":15154.444,"text":"第一項關係人資範圍由主管機關定之第44條虛擬資產服務商違反法令章程或有礙健全經營之餘使主管機關除得予以糾正令其限期給三位並得釋情節之輕重為下列處分"},{"start":15155.485,"end":15179.494,"text":"1.警告2.撤销法令会议之决议3.命令之虚拟资产服务商解除其负责人或其他有关人员职务或停止其一年以下业务之执行4.停止虚拟资产服务商六个月以内全部或一部之业务5.命令或禁止特定资产之处分或移转6.撤销或废止营业许可7.其他必要之处置"},{"start":15180.899,"end":15202.75,"text":"第45条虚拟资产服务商之负责人或受雇人有违反本法或其他有关法令者主管机关得失情节轻重令虚拟资产服务商停止其一年以下业务之执行或解除其职务第46条虚拟资产服务商经主管机关依本法规定撤销或废止其营业许可或命令停业或自行解散或"},{"start":15203.171,"end":15205.992,"text":"请不吝点赞 订阅 转发 打赏支持明镜与点点栏目"},{"start":15224.656,"end":15252.885,"text":"或停业之虚拟资产服务商于其了结停业或解散前所谓虚拟资产事务之范围内是为尚未停业或解散虚拟资产服务商因业务或财务显著恶化不能支付其债务或有损及客户权益之余时主管机关得通知有关机关或机构禁止该虚拟资产服务商及其负责人或职员为财产转移交付设定他项权利或行使其他权利或令其将业务移转于其他之虚拟资产服务商"},{"start":15254.4,"end":15261.23,"text":"心理资产服务商因第一项或前项之事有次不能继续经营业务者主管机关得限期要求其他"},{"start":15262.782,"end":15284.991,"text":"虚拟资产服务商承受其业务并报经主管机关核准虚拟资产服务商不能依前项规定办理者主管机关得指定其他虚拟资产服务商承受第六章罚则第47条违反第42条第1项或第4项规定者处3年以上10年以下有期徒刑得并科新台币1000万元以上2亿元以下罚金"},{"start":15286.127,"end":15306.81,"text":"犯前项之罪于犯罪后自首并于自首之日其六个月内支付与被害人达成调解或和解之全部金额者得减轻或免除其刑并因而查获发起主持操纵或指挥犯罪之人或得以扣押该组织所取得全部被害人交付之财物或财产上利益者得免除其刑"},{"start":15308.732,"end":15333.504,"text":"犯第一項之罪在偵查及歷次審判中均自白並於檢察官偵查中首次自白之日其六個月內之負與被害人達成調解或和解之全部進而者得減輕其刑並因而朝或法其主持操縱或指揮犯罪組織之人或得以扣押該組織所取得全部被害人交付之財物或財產上利益者得減輕或免除其刑"},{"start":15334.364,"end":15343.927,"text":"犯第一项之罪因其犯罪或制裁物或财产上利益超过罚金最高时得与所得利益之范围内加重罚金犯第一项之罪"},{"start":15345.165,"end":15369.539,"text":"犯罪所得属犯罪行为人或其以外之自然人法人或非法人团体应刑法第38条之一第二项所列清刑取得者除应发还被害人第三人或得请求损害赔偿之人外没收之第48条违反第7条第1项第3项或第34条第1项规定者处7年以下有期徒刑得病科薪台币1亿元以下罚金"},{"start":15370.407,"end":15379.764,"text":"法人之代表人、代理人、受雇人或其他从业人员因执行业务犯前项资罪者处处罚其行为负责人外对该法人亦可以前项锁定罚金"},{"start":15381.308,"end":15408.787,"text":"第49條 虛擬資產服務商違反第18條第4項或第19條第2項規定或穩定幣發行人違反第36條第3項規定者及行為負責人處5年以下有期徒刑得併科新台幣5000萬元以下的罰金前項情形除處罰行為負責人外對該虛擬資產服務商或穩定幣發行人亦可以前項所定罰金第50條 有下列情勢之一者處3年以下有期徒刑"},{"start":15410.287,"end":15419.819,"text":"居易或科或病科新台幣240萬元以下罰金依第七條第一項第三項第四項第八條第一項或第34條第一項之申請事項為虛偽或隱匿之記載"},{"start":15426.258,"end":15449.885,"text":"2.對於主管機關依其依第43條第一項令虛擬資產服務商穩定必發行人或與其有財務或業務往來之關係人提出之財務或業務報告或其他相關資料之內容為虛偽或隱匿之記載3.於依法或主管機關基於法律所發布之命令規定之帳簿表冊傳票財務報告或其他有關業務文件之內容為虛偽或隱匿之記載"},{"start":15452.306,"end":15463.113,"text":"4.意圖妨礙主管機關檢查或司法機關檢查,未照、變照、隱秘、隱匿、掩飾工作底稿,有關紀錄或文件。5."},{"start":15463.113,"end":15468.997,"text":"違反第10條第二項規定者,處一年以下有期徒刑,居易或科或病科,新台幣120萬元以下罰金。6."},{"start":15468.997,"end":15471.258,"text":"處新台幣30萬元以上,600萬元以下罰還,並得令期限期改善。"},{"start":15479.503,"end":15489.013,"text":"借其未完成改善者得按次处罚依依违反第7条第2项第11条第4项第13条第1项第18条第1项第19条第3项准用第26条第3项"},{"start":15491.36,"end":15518.04,"text":"第二十條第一項第二十一條第二十四條第二十七條第二十九條第一項第二項第三十五條規定二違反第八條第一項第二項或第三項所定辦法中有關財務業務管理之規定三為第十四條規定建立內部控制制度內部集合制度資通系統之安全管理制度營運資訊之管理及保密政策或營運持續性政策或採取適當程序或措施或未確實執行"},{"start":15519.581,"end":15527.424,"text":"4.未依第15條規定定定內部作業制度程序或未確實執行5."},{"start":15527.424,"end":15538.388,"text":"違反第17條第一項規定或未依主管機關依同條第二項所為命令定定書面保密措施或未依規定方式揭露保密措施之重要事項"},{"start":15540.696,"end":15557.444,"text":"6.違反第22條第一項或第二項所定辦法中有關財務報告編制、申報、公告、備制或保存之規定。7.違反第23條第一項前段、第二項、第三項或第一項後段所定辦法中有關資訊揭露及通報方式項目範圍10點之規定。"},{"start":15560.799,"end":15588.897,"text":"第25条第1项规定定定审查基准审查程序或违反同条第2项规定9.违反第26条第1项之第3项或第4项所定办法中有关报告之种类申报公告备之或保存之规定10.违反第28条第1项规定或违依同条第2项规定定定审查基准审查程序11.同业工会违反第30条第1项所定规则中有关同业工会章程应记在事项"},{"start":15589.637,"end":15613.782,"text":"負責人與業務人員之資格條件財務或業務之規定十二 穩定必發行人有下列情勢之一者一 違反第36條第一項或第四項所定辦法中有關準備資產之設置或定期查核程序方式之規定二 違反第37條第一項之第三項或第四項所定辦法中有關穩定必發行或贖回程序方式之規定"},{"start":15615.693,"end":15624.78,"text":"3.未依第39条规定建立内部控制制度、内部集合制度、自通系统制安全管理制度或营运持续性政策或未确实执行4."},{"start":15624.78,"end":15626.541,"text":"违反第40条规定5."},{"start":15626.541,"end":15633.427,"text":"违反第41条第1项、第3项或第2项锁定方法中有关资讯揭露之频率、程序、方式之规定"},{"start":15635.364,"end":15660.952,"text":"13.同業工會或與其有財務或業務往來之關係人對於主管機關1第43條第一項令提出之財務或業務報告或其他相關資料之內容為虛偽或隱匿之記載14.對於主管機關令提出之帳部表冊文件或其他參考或報告資料借其不提出或對於主管機關依法所為之檢查予以規避、妨礙或拒絕"},{"start":15662.028,"end":15684.003,"text":"依前項規定應處罰還之行為其情節輕微者得免預處罰或先命其限期改善已改善完成者免預處罰違反第36條第二項規定未繳存足額準備金者由中央銀行就其不足部分按該行公告最低之融通利率加收年息5%之利息其情節重大者由中央銀行處新台幣30萬元以上600萬元以下罰還"},{"start":15686.204,"end":15713.74,"text":"第五十三条法人违反本法有关行政法上义务应受处罚者其负责人业务人员或其他受雇人之故意或过失视为该法人之故意或过失第五十四条犯本法之罪所科罚金达新台币五千万元而无利万纳者亦服劳役期间为二年以下其折算标准以罚金总额与二年之日数比例折算所科罚金达新台币一亿元而无利万纳者亦服劳役期间为三年以下"},{"start":15714.6,"end":15717.927,"text":"其折算標準以罰金總額與三年之日數比例折算"},{"start":15719.482,"end":15744.738,"text":"第七章負責第五十五條本法施行前以依洗錢房制法第六條第一項完成洗錢房制登記之虛擬資產服務商或以依主管機關規定提供虛擬資產服務之金融機構應於本法施行後九個月內向主管機關申請許可並於本法施行後十八個月內經主管機關許可及發給許可證照藉其未向主管機關申請許可或未經主管機關許可及發給許可證照者不得繼續經營虛擬資產業務"},{"start":15747.506,"end":15760.67,"text":"第56條本法施行日期由行政院定之民眾黨黨團提案第一章張明第一條條文同行政院版第二條本法所稱主管機關為金融監督管理委員會為促進虛擬資產"},{"start":15764.326,"end":15764.386,"text":"第3條第1項"},{"start":15789.415,"end":15793.198,"text":"第四条,为促进普惠金融及金融科技发展,不限于心理资产服务商。"},{"start":15807.87,"end":15822.123,"text":"得依金融科技发展与创新实验条例申请办理虚拟资产业务交易或发行之创新实验前项之创新实验与主管机关核准办理之期间及范围内得不适用本法之规定"},{"start":15823.348,"end":15843.559,"text":"業者參與第一項之創新實業並通過者得進行營業並應於6個月內向主管機關申請許可於18個月內經主管機關許可及發給許可證照藉其未向主管機關申請許可或未經主管機關許可及發給許可證主管機關應熱令請停營業其相關規範準用本法第42條規定"},{"start":15846.567,"end":15862.447,"text":"主管机关应参着第一项创新实验之办理情形检讨本法及相关金融法规之妥适性应于年度终了后三个月内向立法院提出检讨报告并将内容揭露于主管机关网站第五条同行政院版"},{"start":15863.268,"end":15888.635,"text":"第二章章名同行政院版第一节解敏许可第六条第一项第一款至第六款及第八款同行政院版增列第七款虚拟资产衍生之金融服务金融商品之发行或销售服务或以虚拟资产为标的之衍生性金融商品业务及相关服务第二项第一款至第六款及第八款同行政院版增列第七款"},{"start":15889.775,"end":15913.426,"text":"经营前项第七款业务者为虚拟资产金融服务商第七条第一项同行政员版第二项至第四项条文为虚拟资产服务商设置分支机构实体营业据点或自动化服务设备应经主管机关许可或核准境外虚拟资产服务商在中华民国境内设立分支机构应经主管机关许可及发给许可征兆"},{"start":15914.366,"end":15924.344,"text":"虚拟资产服务商及其分支机构实体营业据点及自动化服务设备之设置条件经营业务之种类申请程序应检复书件等事项"},{"start":15934.687,"end":15948.735,"text":"第八条虚拟资产服务商新增经营虚拟资产业务前应报请主管机关核准虚拟资产服务商应依主管机关核准之业务范围经营业务未经核准者不得经营他也或经营其他业务"},{"start":15949.949,"end":15976.367,"text":"金融机构得经主管机关之时可兼营虚拟资产业务违反法之虚拟资产服务商其兼营之资格条件由主管机关定制第九条虚拟资产服务商之组织以股份有限公司为限但金融机构依前条第三项规定兼营境外虚拟资产服务商依第七条第三项经营或其他经主管机关和准资组织行事者不在此限第十条通行证院版"},{"start":15977.864,"end":15989.392,"text":"第十一条第一项虚拟资产服务商资资本或直播营运资金由主管机关省着其类别业务范围及经济发展情形定制第二项至第四项通行政院版"},{"start":15990.39,"end":16017.095,"text":"第十二條第一項第二項同行政院版增列第三項本法通過前已受虛擬資產服務商雇用之業務人員應與本法通過後六個月內取得第一項所定資格條件但有正當理由未能於六個月內取得資格條件者在期限屆滿前得申請延展延展期限不得超過六個月並以一次為限未能於期限內取得資格條件者主管機關應與解任第二節服務商管理第一幕通則"},{"start":16018.834,"end":16039.333,"text":"第十三条,虚拟资产服务商之对外负债总额不得超过其净值之规定倍数,其流动负债总额不得超过其流动资产总额之规定乘数,但金融机构依第八条第三项规定建议者不带此现。前项倍数及乘数由主管机关定之。主管机关得就虚拟资产服务商之各项财务比率,于必要时定其基准。"},{"start":16041.336,"end":16057.837,"text":"14.虚拟资产服务商应建立内部控制及集合制度,其目的原则、政策、作业程序内部集合人员应具备之资格条件,委托会计师、律师或其他适当机构办理内部控制查核范围及其他应遵循事项之准则,由主管机关定之。"},{"start":16059.386,"end":16081.449,"text":"虚拟资产服务商应自行建立必流分析调查专责人员及专责主管其专责人员及专责主管应具备之资格条件委托律师或其他适当机构办理必流分析调查范围及其他应遵循事项之准则有主管机关定制虚拟资产金融服务商办理虚拟资产衍生性质商品或服务业务"},{"start":16082.284,"end":16093.545,"text":"或以虚拟资产为标的之衍生性金融商品业务,对该业务范围人员管理,客户权益保障及风险管理,应订定内部作业制度及程序,其办法由主管机关定制。"},{"start":16094.585,"end":16122.163,"text":"第十五条虚拟资产服务商应建制符合一定水准资讯系统以确保客户及交易资料之隐秘性及安全性并维持资料传输缴或处理之正确性虚拟资产服务商办理业务资讯系统标准及安全控管作业基准由同业工会拟定报请主管机关备查之变更时一同虚拟资产服务商为因应治安事件应定定通报及应变机制"},{"start":16123.104,"end":16150.442,"text":"虚拟资产服务商于知悉资安事件时应向主管机关通报虚拟资产服务商应向主管机关提出资安事件调查处理及改善报告如有重大资产事件者并应送主管机关前三项通报及应变机制之必要事项通报内容报告之提出其他应遵循事项之办法由主管机关定之第十六条通行证原版第十五条第十七条虚拟资产服务商提供虚拟资产服务应本公平合理及"},{"start":16151.323,"end":16177.888,"text":"承信原则尽善良管理人之注意义务与忠实义务虚拟资产服务商与客户签订契约者需进行商品服务之说明及风险之揭露并应以客户能充分了解之方式为之所应揭露之内容即应遵循事项之办法而主管机关定制违反前二项规定者其条款不构成契约内容但客户得主张该款仍构成契约之内容"},{"start":16179.813,"end":16207.663,"text":"虚拟资产服务商与客户订定虚拟资产商品或服务契约前应充分了解客户相关资料以确保该商品或服务对客户之适合度并应留存记录前项所定应充分了解之客户相关资料适合度应考量事项及其他应遵循事项之办法的主管机关定制第十八条虚拟资产服务商之广告行销活动应以显著方式表明公司名称及主管机关所合发之许可证号码"},{"start":16208.922,"end":16216.002,"text":"虚拟资产服务商刊登播放广告及进行业务招览或营业促销活动时不得有序位扎期"},{"start":16217.366,"end":16242.479,"text":"隐匿或其他组织他人物性的形式并应确保其广告内容之生实虚拟资产服务商对客户所负担之义务不得低于广告内容及进行业务招揽或营业出销活动时对客户所提示之资料或说明虚拟资产服务商从事广告、业务招揽或营业出销活动之人员为关键意见领袖时应确认该关键意见领袖成年并具备一定资格条件"},{"start":16243.479,"end":16263.954,"text":"虚拟资产服务商从事广告行销活动业务招揽职方式内容及其他应遵循事项之办法及前项所定关键意见领袖应具备之资格条件由主管机关定定并每半年会同同业工会检讨之第十九条第一项同行政业版第十七条第二项条文主管机关得令"},{"start":16265.034,"end":16278.266,"text":"虚拟资产服务商就前向因保守秘密之资料定定相关之书面保密措施并以公告网际网络或主管机关指定这方式揭露保密措施之重要事项第20条通行证原版第18条"},{"start":16281.059,"end":16301.375,"text":"21.虚拟资产服务商得为办理虚拟资产业务所设法定货币之收付,经客户同意将客户之法定货币留存于其余金融结构开定之相同币别存款账户。虚拟资产服务商应将客户留存之法定货币交付信托获取得银行十足之履约保证。"},{"start":16302.881,"end":16319.107,"text":"虚拟资产服务商依本条规定留成客户法定货币者,主用第28条第三项及第四项规定。第22条虚拟资产服务商不得拒绝客户提取或转出其资产,但本法其他法令或主管机关定有规定者不在此限。第二项第三项同行证原版。"},{"start":16320.948,"end":16338.736,"text":"23.主管機關對於虛擬資產服務商辦理出借虛擬資產業務之出借總額、個別虛擬資產出借限額以及對關係人或關係企業之出借得以限制其限制額度出借交易規範及其他應遵循事項之辦法由主管機關定制24."},{"start":16338.736,"end":16342.817,"text":"虛擬資產服務商應定期向主管機關申報及公告經會計師查核簽證或合約資產物報告"},{"start":16345.731,"end":16366.412,"text":"前項財務報告之申報程序公告事項及其他應記載之事項與格式由主管機關定之第二十五條虛擬資產服務商之財務業務或其他資訊應依主管機關之規定公告與通報主管機關其公告與通報之方式項目及範圍由主管機關定之第二項第三項同行證券版本第二十三條"},{"start":16367.881,"end":16387.947,"text":"第二目 个别服务商第26条 虚拟资产交换商应公告其提供交换服务之虚拟资产之发行说明文书虚拟资产未有依主管机关之规定编制与公告之发行说明文书者虚拟资产交换商不得提供该虚拟资产之交换服务但主管机关另有规定者不在此限"},{"start":16389.212,"end":16411.723,"text":"第27条 虚拟资产交易平台商应依主管机关之规定就虚拟资产之上下架定定审查标准及审查程序虚拟资产平台商应建制防止市场交易不公正之机制及侦测价量异常警示等措施前条之规定于虚拟资产交易平台商亦适用之"},{"start":16413.223,"end":16427.025,"text":"第28條第一二項同行證券版第26條第三四項條文虛擬資產保管商就所保管之客戶資產應設置經常性資對賬措施且委任會計師出具報告並向主管機關申報及公告"},{"start":16428.479,"end":16454.746,"text":"前项报告之种类申报程序公告事项及其他应遵循事项由主管机关定之第29条虚拟资产保管商委托他人保管客户之虚拟资产者该他人以主管机关许可之虚拟资产保管商或提供虚拟资产保管服务之金融机构为限虚拟资产保管商应购置客户前项之情形如客户遭受损害由于客户签约之保管商负担损害赔偿责任"},{"start":16455.765,"end":16483.287,"text":"第30条虚拟资产承销商应公告其提供发行或销售其相关服务之虚拟资产之发行说明文书资讯虚拟资产未有依主管机关制规定编制与公告之发行说明文书者虚拟资产承销商不得提供该虚拟资产之发行或销售相关服务但主管机关另有规定者不在此限虚拟资产承销商应依主管机关制规定就其提供发行或销售之相关服务之虚拟资产"},{"start":16483.927,"end":16500.863,"text":"定定审查标准及审查程序第31条虚拟资产金融服务商发行虚拟资产衍生之金融商品或金融服务或以虚拟资产为标的之衍生性金融商品之认定规则及投资人资格认定规则等办法由主管机关定制"},{"start":16501.912,"end":16526.907,"text":"虚拟资产业者办理虚拟资产衍生至金融商品或金融服务或虚拟资产衍生性金融商品业务其对该业务范围及规范风险管理等相关办法由主管机关定制第三条虚拟资产服务商同业工会第32条虚拟资产服务商非加入同业工会不得营业进入虚拟资产服务商一同第二项及第三项同行政院版第29条"},{"start":16528.291,"end":16555.829,"text":"第三十三条同业工会应基于健全虚拟资产业务之经营与发展保障虚拟资产交易市场程序协调同业自律及促进虚拟资产产业创新之目的定定其章程有关同业工会章程应记载事项业务之范围规范与监督事项及其负责人与业务人员之资格条件财务业务及其他应遵循事项之规则由主管机关定职第二项同行证原版第三十条"},{"start":16557.984,"end":16577.385,"text":"第34条通信最原版第31条第35条通信最原版第32条第36条同业工会应定期办理对虚拟资产服务商客户或公众之间教育宣导同业工会应协助虚拟资产服务商办理其负责人及业务人员之教育训练必要时同业工会得办理教育训练"},{"start":16578.632,"end":16605.875,"text":"第四章稳定币发行及管理第37条在我国境内发行稳定币应经主管机关许可主管机关为前项之许可前应恰商中央银行意见非经主管机关许可发行或同意交易之稳定币虚拟资产服务商不得提供涉及该稳定币之第六条第一项各款服务其申请同意之程序及其他应遵循事项之规则由主管机关会商中央银行后定之"},{"start":16606.736,"end":16628.397,"text":"申请第一项许可之发行人资格条件申请程序得发行之稳定币种类会址许可是有其其他应遵循事项之办法由主管机关洽商中央银行定之第38条稳定币发行人应设置与维持足额值准备资产储存于境内之金融机构且可准备资产应与其自有财产分别独立并进行定期查核"},{"start":16629.298,"end":16651.284,"text":"稳定币发行人发行之稳定币总面额达一定金额者其准备资产应包括足额缴存之准备金稳定币之发行涉及外汇部分应依中央银行规定办理稳定币发行人之债权人不得对前项准备资产为任何之请求或行使其他权利稳定币发行人破产时第一项之准备资产不属于其破产财团"},{"start":16653.124,"end":16680.173,"text":"穩定必發行人除依主管機關許可 則是由外不得動用第一項之準備資產第一項準備資產之設置與動用穩定必發行與贖回穩定必發行人之管理及其他應遵行事項之辦法由主管機關洽商中央銀行定之第二項是一定金額準備金繳存之比率方式調整查核及其他應遵行事項之辦法由中央銀行會商主管機關定之第五章管理與監督第39條通信"},{"start":16682.727,"end":16686.437,"text":"第42條第一項至第五項第40條通行證原版第43條第41條通行證原版第44條"},{"start":16692.25,"end":16719.919,"text":"第四十二条虚拟资产服务商之负责人或受雇人有违反本法或其他有关法令者除一本法处罚外主管机关并得释情节轻重命令虚拟资产服务商停止其一年以下业务之执行或解除其职务第四十三条第1245项同行政院版第四十六条第三项条文增列或函请入出国管理机构机关限制其负责人或受雇人出境"},{"start":16721.257,"end":16735.513,"text":"第44条,为使虚拟资产服务商为依第21条规定交付信托或取得银行始终履约保证,依前条规定因停业或解散或因违反本法规定而致有损及客户权益情事实。"},{"start":16736.693,"end":16759.281,"text":"客戶之權益及客戶所受損害得受補償應設置虛擬資產基金基金之來源如下1.政府預算補充2.由加入同業工會之虛擬資產服務商提撥3.捐贈收入4.基金支息收入5.經合法沒收或扣押之虛擬資產6.其他收入前向第二款之提撥比例由主管機關"},{"start":16760.963,"end":16771.668,"text":"審酌經濟金融發展情形及虛擬資產業者承擔能力於徵行同業工會之意見後定製第二項第五款所定製金扣押資虛擬資產與檢察官任有相當理由不應變價時應先移波至"},{"start":16775.526,"end":16793.247,"text":"因先行一波至虚拟资产基金其应变价格而由虚拟资产基金鉴定后拨与检查机关虚拟资产之鉴定一波交付等相关事项办法由主管机关会同法务部定定之欲有下列情形时虚拟资产基金得偿付之"},{"start":16793.807,"end":16808.748,"text":"因虚拟资产服务商因财务困难失去清偿能力使虚拟资产基金得以第三人之地位向该虚拟资产服务商之客户为清偿并自清偿时期于清偿之限度内承受客户之权利"},{"start":16810.322,"end":16831.801,"text":"二,對於違反本法規定且造成20人以上虛擬資產服務傷之客戶受損害之虛擬資產事件,由同業公會認定為同意原因所引起之虛擬資產事件者。虛擬資產基金應負擔客戶提起訴訟或仲裁所應支付之必要費用。虛擬資產基金之組織管理償付及其他事項之辦法由主管機關定制。"},{"start":16832.722,"end":16845.958,"text":"第六章罰則第45條違反第39條第一項或第四項之規定者處三年以上十年以下有期徒刑得併科新台幣一千萬元以上二億元以下罰金犯前項之罪與犯罪後自首"},{"start":16846.997,"end":16871.205,"text":"如自動繳交全部犯罪所得者減輕或免除其刑並因而查獲其他證犯或公犯者免除其刑犯第一項之罪在偵查中自白如自動繳交全部犯罪所得者減輕其刑並因而查獲其他證犯或公犯者減輕其刑至二分之一犯第一項之罪其因犯罪或制裁物或財產上利益超過罰金最高而時與所得利益之範圍內加重罰金"},{"start":16872.725,"end":16900.434,"text":"犯第一項之罪 犯罪所得屬犯罪行為人或其以外之自然人法人或非法人團體 因刑法第38條之一第二項所列輕刑取得者處因犯還被害人第三人或得請求損害賠償之人外 莫收之第46條通行證版第48條第47條 虛擬資產服務商違反第20條第4項或第21條第2項規定者其行為負責人處五年以下有期徒刑得併科新台幣五千萬元以下罰金"},{"start":16901.394,"end":16918.096,"text":"前項請請處處罰行為負責人外對該虛擬資產服務商亦可以前項所定罰金第四十八條有下列情勢之一者處三年以下有期徒刑拘役後科或病科新台幣二百四十萬元以下罰金依第七條第一項"},{"start":16919.755,"end":16936.903,"text":"第3項或第8條之申請事項為虛偽或隱匿之記載者2.對於主管機關1.第34條第一項命令提出參考報告之資料或第40條第一項命令提出之財務或業務報告或其他相關資料之內容為虛偽或隱匿之記載"},{"start":16940.353,"end":16956.526,"text":"第三項第四項同行政院版第五十條第三項第四項第四十九條同行政院版第五十一條第五十條有下列情勢之一者處刑財幣三十萬元以上六百萬元以下罰還並得命期限期改善限期未改善者得按次處罰"},{"start":16958.822,"end":16972.37,"text":"違反第7条第2项第8条第2项第11条第4项第12条第3项第13条第1项第17条第5项第18条第1项第4项第19条第1项第20条第1项第21条第3项准用第28条第3项及第4项第22条第1项第24条第1项第25条第2项第26条至第31条第32条第1项第2项第37条第3项规定"},{"start":16985.445,"end":16995.669,"text":"2.未依第14条至第16条建立内部控制及集合之通信安全制度政策程序或措施或未确实执行3."},{"start":16995.669,"end":17001.771,"text":"虚拟资产服务商违反第7条第4项所定规则有关财务业务开业停业及复业"},{"start":17002.211,"end":17021.227,"text":"中止业务或其他应遵循事项之规定四同业工会违反第33条第一项所定规则之规定五对于主管机关命令提出之账簿表册文件或其他参考或报告资料借其不提出或对于主管机关依法所为之检查于以规避妨碍或拒绝六一"},{"start":17022.148,"end":17051.24,"text":"予依本法或主管机关基于本法所发布之命令规定之账簿表册传票财务报告或其他有关业务之文件不应规定制作申报公告配置或保存违反本法或本法授权所定命令中有关强制或禁止规定或因为一定行为而不违者除本法另有规定另有处罚规定而应从其规定外处新台币30万元以上600万元以下罚还并得命期限期改善"},{"start":17052.679,"end":17069.678,"text":"借其未改善者得按次处罚依前二项规定应处罚还之行为其请解经为者得免于处罚或先命其献其改善已改善完成者免于处罚第五十一条五十二条同行证原版第五十三条五十四条第七章负责"},{"start":17070.745,"end":17099.356,"text":"第53条本法施行前已应洗钱房制法第6条第一项完成洗钱房制登记之虚拟资产服务商应于本法施行后9个月内向主管机关申请许可并于本法施行后15个月内经主管机关许可及发给许可证照借其未向主管机关申请许可或未经主管机关许可及发给许可证照者不得继续经营虚拟资产业务第54条本法授权主管机关定立办法者主管机关应定其邀集同业工会及"},{"start":17100.356,"end":17127.081,"text":"学者专家检讨各项办法前项办法检讨会议每6个月至少开会一次并做成会议记录于会议结束后30日内公告第一项检讨会议就各办法内容是否修订均因序名理由在于前项会议记录中同业工会于必要时得拟据办法修正建议书送交主管机关主管机关于收受该建议书之日起10日内应邀及同业工会及相关机关并临聘选"},{"start":17128.402,"end":17146.253,"text":"學者專家就該建議書之內容召開辦法修正會議前項會議應作成會議記錄並於會議結束後15日內公告主管接關於第四項鎖定會議結束後45日內應就建議書所建議四項序名理由與書面回覆同業工會第一項鎖定辦法修訂檢討會議第四項鎖定辦法修正建議書"},{"start":17151.987,"end":17177.686,"text":"学者专家临聘选规定之办法及办法修正建议书之范本递件流程及其他应遵循事项之办法由主管机关定职主管机关定立前应遵循同业工会之意见第55条同行政院版第56条委员林思敏等21人提案第一张张明第一条条文同行政院版第二条条文同民众党提案"},{"start":17179.423,"end":17198.48,"text":"民眾黨團提案第一項第二項第三條條文同行政院版第四條條文同民眾黨團提案第一項第二項第四項第五條條文同行政院版第二章虛擬資產服務商第一節許可第六條第七條第八條第十條第十一條第十二條同民眾黨團提案"},{"start":17200.865,"end":17227.4,"text":"第二節服務商管理第一幕通則第十三條同民眾黨團提案第十三條第一項第二項第十四條至第二十三條同民眾黨團提案第十四十六十七十九二十二一二二二三二四二五條第二幕個別服務商第二十四條至第二十九條同民眾黨團提案第二十六條至第三十一條第三章虛擬資產服務商同業工會"},{"start":17229.69,"end":17231.474,"text":"第30條至第34條同民眾黨團提案第32條至第36條第4章穩定必發刑期管理"},{"start":17239.591,"end":17247.375,"text":"第35條第36條同民眾黨團提案第37條第38條第5章管理與監督第37條至第42條同民眾黨團提案第39條至第44條第6章罰則第43條至第50條同民眾黨團提案第45條至第52條第7章負責第51條至第53條同民眾黨團提案第53條至第55條"},{"start":17267.523,"end":17292.088,"text":"委員格如均等二十人提案第一章總則第一條同行政院提案第二條本法所稱主管機關為金融監督管理委員會未辦理本法規定相關事宜主管機關應設置專責單位及專責人員其人數應依業務增減而調整之第三條第四條第五條同行政院提案第二章虛擬資產服務商第一節許可"},{"start":17295.148,"end":17318.81,"text":"第六條第一項同行政院提案 增列第七款 虛擬資產延伸至金融商品或服務相關業務第二項同行政院提案 增列第七款 經營前向第七款業務者為虛擬資產金融商第七條同民眾黨團提案 第一項後段增列 但符合主管機關依其性質認為不必要者不在此限"},{"start":17319.929,"end":17328.904,"text":"第八條同民眾黨團提案第二項條文後段增加但符合主管機關因其性質認為不必要者不在此限"},{"start":17330.1,"end":17357.797,"text":"第九条第十条同民众党团提案第十一条虚拟资产服务商资资本额或只拨运营运资金资金由主管机关省着其类别业务范围分别定之虚拟资产服务商应于开始营业前向主管机关指定之金融机构缴存营业保证金其金额由主管机关省着其类别业务范围分别定之第三项第四项同行政院提案第十二条同民众党党团提案"},{"start":17359.531,"end":17362.874,"text":"第十四條第十五條第十六條同行政院版第十七條"},{"start":17378.53,"end":17391.99,"text":"虚拟资产服务商与客户签订契约前需进行商品服务之说明及风险之揭露,并应以客户能充分了解之方式为之。所应揭露之内容及应遵循事项之办法由主管机关定之。"},{"start":17393.12,"end":17410.966,"text":"第18条至第20条通行证院版第17条至第19条第21条虚拟资产服务商不得拒绝客户提取或转出其资产但本法其他法令或主管机关令有规定者不在此限虚拟资产服务商对疑似不法或娴属异常教育之客户"},{"start":17411.886,"end":17433.112,"text":"得予暂停转入提取或转出其资产或暂停全部或部分交易功能并应及时通报司法警察机关除经司法机关通知应继续控管者外相关限制措施以20日为限前项疑似付款或显属一场交易客户之认定标准及暂停转入提取转出或交易之作业程序举办法由主管机关定制"},{"start":17434.332,"end":17462.629,"text":"第22条同行证原版第21条第23条第一项同行证原版第22条第二项前一项财务报告之申报程序公告事项及其他应记载之事项与格式由主管机关定之第24条虚拟资产服务商之财务业务或其他资讯应依主管机关之规定公告与通报主管机关其公告与通报之方式项目及范围由主管机关定之虚拟资产服务商应留存其为客户办理"},{"start":17463.72,"end":17471.516,"text":"虚拟资产服务之相关记录被公查核其保存之方式项目及范围由主管机关定制第三项同行证原版第23条"},{"start":17473.015,"end":17501.91,"text":"第25条虚拟资产交换商应公告其提供交换服务之虚拟资产之发行说明文书虚拟资产未有依主管机关之规定编制与公告之发行说明文书者虚拟资产交换商不得提供该虚拟资产交换服务但主管机关另有规定者不在此限第26条虚拟资产交易平台商应依主管机关之规定就虚拟资产之上下架并定审查标准及审查程序"},{"start":17503.735,"end":17528.539,"text":"虚拟资产交易平台商应建制防止市场交易不公正之机制及侦测价量异常警示等措施前条之规定于虚拟资产交易平台商亦适用之第27条第2项同行证原版第26条第34项条文虚拟资产保管商就所保管之客户资产应设置经常性资对账措施协为任"},{"start":17529.844,"end":17537.231,"text":"会计师数据报告并向主管机关申报及公告前项报告之种类申报程序公告事项及其他应遵循事项由主管机关定制"},{"start":17538.53,"end":17562.215,"text":"第28條 虛擬資產保管商委託他人保管客戶之虛擬資產者該他人以主管機關許可之虛擬資產保管商或具虛擬資產保管資格之金融機構違憲虛擬資產保管商或具虛擬資產保管資格之金融機構應告知客戶前項之情形如客戶遭受損害由於客戶簽約之保管商或具虛擬資產保管資格之金融機構負擔損害賠償責任"},{"start":17567.566,"end":17591.911,"text":"29.虚拟资产承销商应公告其提供发行或销售之相关服务之虚拟资产之发行说明文书之信虚拟资产未有依主管机关之规定编制与公告之发行说明文书者虚拟资产承销商不得提供该虚拟资产之发行或销售相关服务但主管机关另有规定者不在此限虚拟资产承销商应依主管机关之规定就其提供发行"},{"start":17592.651,"end":17610.792,"text":"或销售之相及相关服务之虚拟资产定定审查标准及审查程序第30条虚拟资产金融商发行虚拟资产衍生之金融商品或服务其业务范围规则及风险管理等相关办法由主管机关定之并每半年会同同业工会检讨"},{"start":17611.633,"end":17628.632,"text":"虚拟资产金融商受托从事虚拟资产衍生之金融商品或服务得评估客户从事虚拟资产衍生性商品交易之能力如经评估其信用状况及财力有逾越其从事交易能力者除提供适当之担保外应拒绝其委托"},{"start":17629.773,"end":17648.75,"text":"第三章虚拟资产服务商同业工会第31条通信论文版第29条第32条同业工会应基于健全虚拟资产业务之经营与发展保障虚拟资产交易市场秩序协调同业工制律及促进虚拟资产产业创新之目的"},{"start":17649.511,"end":17664.953,"text":"定令及章程有关同业工会章程应记在事项业务之规范与监督事项及其负责人与业务人员之资格条件财务业务及其他应遵循事项之规则由主管机关定之第二项同行证原版第30条"},{"start":17666.806,"end":17693.207,"text":"第33條同行政院版第31條第34條同行政院版第32條第35條同業工會應定期辦理對虛擬資產服務商虛擬資產交易人客戶及公眾之交易宣導第二項同行政院版第33條第4章穩定幣發行及管理第36條在我國發行穩定幣應經主管機關許可主管機關為前項之許可前應洽商中央銀行意見"},{"start":17694.369,"end":17709.254,"text":"非经主管机关许可发行或同意交易之稳定币虚拟资产服务商不得提供涉及该稳定币之第六条第一项各款服务但符合主管机关依其规模形态及其他必要情况所定条件者不再实现"},{"start":17710.074,"end":17729.586,"text":"其申請同意之程序及其他應遵循事項之規則由主管機關定之申請第一項許可之發行人資格條件申請程序得發行之穩定幣種類運用場景廢止許可事由及其他應遵循事項之辦法由主管機關洽商中央銀行定之第37條第12項同行政院版第36條第三項之第8項條文"},{"start":17734.178,"end":17757.38,"text":"稳定币发行人应依主管机关及专业银行之规定申报稳定币发行有关资料除本法、其他法律或主管机关另有规定者外稳定币发行人不得拒绝稳定币持有人申请赎回稳定币发行人之债权人不得对第一项准备资产为任何之请求或行使其他权利稳定币持有人对于第一项准备资产有优先受清偿之权"},{"start":17758.636,"end":17769.941,"text":"穩定幣發行人破產時第一項支準備資產不屬於其破產財團穩定幣發行人除依主管機關許可之事由外不得動用第一項支準備資產第一項準備資產之設置動用與定期查核穩定幣之發行贖回與資訊接入"},{"start":17776.059,"end":17797.416,"text":"穩定地方行政之管理及其他應遵行事項之辦法由主管機關洽商中央銀行定之第二項質疑定金額準備經繳存之比率方式調整查核及其他應遵行事項之辦法由中央銀行洽商主管機關定之第五章管理與監督第38條第一至第三項同行政院版第42條"},{"start":17799.062,"end":17811.536,"text":"第四項至第六項條文除發行人外出如能證明已盡相當注意且有正當理由可合理確信其內容無虛偽或隱匿之行事者不受本法第一條及前項之規定對於虛擬資產出虛擬資產服務商"},{"start":17817.782,"end":17840.367,"text":"依其内容控管程序及主管机关规范为维持交易市场价格横平所为之必要措施外不得意图影响虚拟资产交易之价格或意图造成虚拟资产交易活络之表象而为直接或间接从事影响虚拟资产交易价格或工序之操纵行为违反前项规定者对于该虚拟资产之善意交易人所受之损害应付赔偿责任"},{"start":17841.147,"end":17860.355,"text":"第39條通行證原本第43條第40條通行證原本第44條第41條虛擬資產服務商之負責任或受僱人有違反本法或其他有關法令者除以本法處罰外主管機關並得視清潔輕重命令虛擬資產服務商停止其一年以下業務之執行或解除其職務"},{"start":17862.932,"end":17887.695,"text":"第四十二条同行政院版第四十六条第三项后段增加或含请入住国管理机构限制其负责人或受雇人出境第四十三条为促进金融科技创新主管机关应设立金融科技创新发展基金基金之来源如下一由政府循预算程序之补充二捐赠收入三基金之息收入四其他收入"},{"start":17889.008,"end":17907.709,"text":"基金用途如下,一,增进数位金融韧性,补助金融科技会研发,培育金融技术人才等有关促进金融科技创新发展之用途。二,补助相关同业公会办理教育宣导。金融科技创新发展基金资组资管理及运用等四项之八法要主管机关定制。"},{"start":17909.298,"end":17930.027,"text":"第六章 法则第44条违反第38条第一项或第四项之规定者徒三年以上十年以下有期徒刑得并科薪台币一千万元以上二亿元以下罚金犯前项之罪于犯罪后自首并于自首之日其六个月内支付与被害人达成调解或和解之全部进而者得减轻或免除其刑"},{"start":17931.021,"end":17952.853,"text":"犯第一项之罪,在侦查及历次审判中均自白,并于检察官侦查中首次自白之日其六个月内,支付与被害人达成调解或和解之全部金额者得减轻其刑。犯第一项之罪,其因犯罪或制裁物或财产上利益超过罚金最高额时,于所得利益值范围内加重罚金。"},{"start":17954.042,"end":17983.328,"text":"犯第一项之罪犯罪所得罪犯罪行为人或其以外之自然人法人或非法人团体应刑法第38条第一之一第二项所列情形取得者除应发还被害人第三人或得请求损害培养之人外莫收之应发还或莫收之犯罪所得罪虚拟资产者与虚拟资产抵充之第45条通行罪违反第48条第46条虚拟资产服务商违反第19条第4项"},{"start":17984.448,"end":18006.937,"text":"或第20条第二项规定者其行为负责人处5年以下有期徒刑得并科新台币5000万元以下罚金前项请请处处罚行为负责人外对该虚拟资产服务商亦科以前项所定罚金第47条有下列情势之一者处3年以下有期徒刑拘役或科或并科新台币240万元以下罚金"},{"start":18008.158,"end":18031.971,"text":"第七条第一项第三项或第八条之申请四项为虚位或隐匿之记载者对主管机关一第三十三条第一项命令提出之参考报告之资料或第三十九条第一项命令提出之财务或业务报告或其他相关资料之内容为虚位或隐匿之记载第三款第四款通行证原版第五十条第四十八条通行证原版第五十一条"},{"start":18033.12,"end":18051.68,"text":"第49条有下列情事之一者处新台币30万元以上600万元以下扒环并得命其限期改善借其为改善者得安置处罚依违反第7条第2项第8条第2项第11条第4项第13条第1项第18条第1项第19条第1项第20条第3项"},{"start":18053.061,"end":18056.262,"text":"第27條第3項及第4項第21條第1項第23條第1項第24條第2項第25條第26條第27條第28條第29條第30條第1項第2項第36條第3項規定第37條第1項第3項規定"},{"start":18069.808,"end":18086.839,"text":"二 未依第十四条及第十五条建立内部控制及集合制度政策程序或措施或未确实执行三 虚拟资产服务商违反第七条第四项所定规则有关财务业务开业停业及复业终止业务或其他应遵循事项之规定"},{"start":18088.855,"end":18114.04,"text":"4.同意工会违反第32条第一项锁定规则之规定5.对主管机关命令提出之账簿表册文件或其他参考或报告资料借其不提出或对主管机关依法所违之检查欲规避妨碍或拒绝6.云依本法或主管机关基于本法所发布之命令规定之账簿表册传票财务报告或其他有关业务之文件不依规定之作申报公告备之或保存"},{"start":18115.723,"end":18134.956,"text":"違反本法或本法授權所定命令中有關強制或禁止規定或因為一定行為而不違則處罰本法另有處罰規定而應從其規定外處新台幣30萬元以上600萬元以下罰還並得命其限期改善皆其會改善者得按次處罰第3項第4項從行政院版第52條第2項第3項第2項第3項第50條從行政院版第53項"},{"start":18142.588,"end":18144.33,"text":"第51條通行證原本第54項第7章負責"},{"start":18147.708,"end":18175.174,"text":"第五十二条本法实行前因洗钱房制法第六条第一项完成洗钱房制登记之虚拟资产服务商应于本法实行后十二个月内向主管机关申请许可并于本法实行后十八个月内经主管机关许可及发给许可证照主管机关应于收到申请文件次日起三个月内完成审查经审查应补证者应通知申请人现期补证预期会补证补证不完全或无法补证者不会去申请"},{"start":18175.914,"end":18202.234,"text":"借其为向主管机关申请许可或未经主管机关许可及发给许可证照者不得继续经营虚拟资产业务第53条通行证原版第56条委员林楚英等19人提案第一章总则第一条至第五条通行证原版第四条第三项后端增加并每年提出报告第二章虚拟资产服务商"},{"start":18203.544,"end":18230.954,"text":"第六条至第十四条第一项同行政院版第十四条第二项虚拟资产服务商应建立支通系统至安全管理制度营运资讯之管理及保密政策营运持续性政策并采取适当措施及程序主管机关得定其办理治安检查其办法由主管机关定之必要使得会商数位发展不误或有关机关之意见第十五条至第二十五条第二项同行政院版"},{"start":18231.991,"end":18257.435,"text":"第25條第三項後段增加其警示等措施及其他應遵行事項之辦法由主管機關定職第26條至第28條同行政院版第三章虛擬資產服務商同業工會第29條至第33條同行政院版第4章穩定必發型及管理第34條第一項至第三項同行政院版"},{"start":18258.237,"end":18273.196,"text":"第四項申請第一項許可之發行人資格條件申請程序應檢附書件得發行之穩定幣種類運用場景廢止許可及其他應遵循事項之辦法由主管機關定制必要時得會商中央銀行或有關機關之意見檢討修正"},{"start":18274.898,"end":18289.625,"text":"第35條至第41條同行政院版第5章管理及監督第42條至第46條同行政院版第6章罰則第47條至第54條同行政院版第7章負責第55條至第56條同行政院版委員、難會員等17人提案第1章總則第1條至第5條同行政院版"},{"start":18304.926,"end":18324.859,"text":"第二章虚拟资产服务商第六条同行证员版第七条第一至第五项同行证员版第三项后段增加主管机关应建立分级许可制及快速审查机制以鼓励境外虚拟资产服务商在中华民国境内设立分支机构并取得许可"},{"start":18327.076,"end":18352.596,"text":"第六項主管機關應定期揭露並及時更新取得許可之虛擬資產服務商名單及業務交易之統計資訊第八條至第28條通行證券版第三章虛擬資產服務商同業工會第29條至第33條通行證券版第四章穩定幣發行及管理第34條至第41條通行證券版"},{"start":18355.489,"end":18381.408,"text":"第五章管理及监督第42条至第46条通行证愿板第六章罚则第47条至第54条通行证愿板第七章负则第55条至第56条通行证愿板委员李燕秀等19人提案第一章总则第一条至第5条通行证愿板第二章虚拟资产服务商"},{"start":18382.728,"end":18397.913,"text":"第六条同行政院版第七条第一项至第四项同行政院版第五项后段增加其业务与其他应遵循事项金融机构兼营之资格条件与经营业务之种类及其他相关事项之办法由主管机关定制"},{"start":18399.175,"end":18422.933,"text":"第八条 虚拟资产服务商应依主管机关核准之业务范围经营业务新增虚拟资产业务经营其他业务及业务范围之变更应经主管机关核准虚拟资产服务商之迁移、裁撤、开业、停业、复业、歇业及解散应经主管机关核准第三项 第四项 同行政院版第九条 第十条 同行政院版"},{"start":18424.076,"end":18452.41,"text":"第十一条 虚拟资产服务商应有最低资资本额或直播营运基金其金额由主管机关依虚拟资产服务商总类定之第二项至第四项 同行政院版第十二条 第一项 第二项 同行政院版增列第三项 本法施行前以因洗钱房制法第六条第一项完成洗钱房自登记之虚拟资产服务商其负责人与业务人员应于本法施行后六个月内具备第一项规则所定资格条件"},{"start":18454.568,"end":18484.171,"text":"第十三条 虚拟资产服务商之对外负债总额不得超过其净值至一定倍数其流动负债总额不得超过其流动资产总额至一定成数但金融机构依第七条第四项规定兼容虚拟资产业务者不再实现前项一定倍数及成数由主管机关依虚拟资产服务商总类定之第十四条 同行政院版第十五条 第一项同行政院版 增列第二项虚拟资产服务商作业"},{"start":18484.775,"end":18497.572,"text":"委托他人处理者如因受委托机构或其受雇人之故意或过失致客户权益受损仍应对客户负同一责任第十六条第一项同行政院版增列第二项第三项"},{"start":18498.587,"end":18520.282,"text":"虚拟资产服务商提供虚拟资产服务前应充分了解客户之相关资料与确保该服务对客户之适合度并应向客户充分说明该服务之重要内容并充分揭露其风险前项应充分了解之客户相关资料适合度应考量之事项说明及揭露之内容及其他应遵循事项之办法由主管机关定制"},{"start":18522.34,"end":18532.37,"text":"17.除其他法律或主管機關另有規定走外,心理資產服務商對於客戶資料往來的交易資料及其他相關資料應保守秘密。18.第十九條同行證券版。"},{"start":18537.588,"end":18561.065,"text":"第20 挑出本法其他法令或主管機關令的規定者外,虛擬資產服務商不得拒絕客戶提取或轉出其資產。虛擬資產服務商對疑似不法或嫌屬異常交易之客戶,得予暫停轉入提取或轉出其資產或暫停全部或部分交易功能,並得向司法警察機關通報。第三項 同行證原版"},{"start":18562.864,"end":18574.826,"text":"第21條、22條、23條第一項至第三項同行政院版增列第四項第二項留存相關紀錄之適用範圍程序方式之辦法由主管機關定職"},{"start":18577.008,"end":18600.309,"text":"第24条,虚拟资产交换商应确保其提供交换服务之虚拟资产具有符合主管机关规定之发行说明文书,此得提供服务,并应公告该虚拟资产之发行说明文书,但主管机关定有规定或有下例情形之一者不在此限。虚拟资产之发行系无偿,虚拟资产之发行系作为维持其分散失账本运作或验证其交易之劳务报酬。"},{"start":18601.38,"end":18629.699,"text":"第25条第26条第27条第28条通行证院版第三章虚拟资产服务商同业工会第29条至第33条通行证院版第4章稳定必发型及管理第34条至第39条通行证院版第40条稳定必发型人对于稳定必发型与赎回之交易资料及其他相关资料除依其他法律或主管机关令有规定者外应保守秘密第41条通行证院版"},{"start":18630.834,"end":18658.593,"text":"第五章管理及监督第四十二条至第四十五条同行政院版第四十六条第一项至第五项同行政院版第三项后段增加或含请入出国管理机关限制其负责人或职员出境第六章罚则第四十七条同行政院版第二项第三项中段增加及自动缴交其与犯罪所得罪"},{"start":18660.728,"end":18687.572,"text":"第48條至第51條同行政院版第52條第一項第一款增加第16條第二項第25條第三項等文字其餘同行政院版第53條同行政院版第7章負責第55條第56條同行政院版委員代事保等20人提案第一章總責第一條同行政院版"},{"start":18688.612,"end":18718.067,"text":"第二条金融监督管理委员会以下简称金管会为办理本法事务应于本法施行后一年内设立虚拟资产管理局以下简称本局或主管机关统一行使本法主管机关职能本局设立前由金管会站带行使本法主管机关职能本局应设立虚拟资产监理咨询委员会成员包括业者、学者、消费者及相关机关代表每季召开并每半年公布虚拟资产监理政策说明"},{"start":18719.892,"end":18746.298,"text":"第三條第一項第一款第一幕同行政院版第二幕非同職化代幣如其表彰之權利或價值具有特定性及不可代替性且同時不具有大量系列化發行或對不定人對不特定人公開招募與集中交易市場流通收益分配或投資性職者第二款第三款第四款第五款第八款同行政院版"},{"start":18747.366,"end":18759.131,"text":"第六款,稳定币,只以十足法定货币准备资产为支撑且表彰于单一或多个法定货币之价值连结,以维持其价值稳定之虚拟资产。"},{"start":18760.814,"end":18780.022,"text":"第七款演算法穩定幣只為以十足準備資產為支撐而系透過演算法自動增減供給或其他智慧合約設計以維持或標榜維持價格穩定之數位資產演算法穩定幣不屬本法所稱穩定幣適用一般虛擬資產規範"},{"start":18782.267,"end":18804.779,"text":"第九款,虚拟资产衍生性商品,只以虚拟资产或与虚拟资产相关之权利或指数为标的,其价值性衍生至该标的之金融商品或契约。第四条,行政院版,第二项后段增加但书,但涉及客户资产保管,洗钱房制及反资恐相关规定则不再实现。"},{"start":18806.257,"end":18833.055,"text":"第五条第一项第二项同行政院版增加第三项主管机关应积极参与FATF全体会议及国际虚拟资产监理论坛推动我国纳入等效认定或白名单机制并就外国政府对虚拟资产服务商之监理制度进行等效评估认定为等效者公告之以下简称等效国家第二章"},{"start":18834.181,"end":18861.667,"text":"虚拟资产服务商第六条第七条通行证原版第七条第三项增加后段文字等效国家之境外虚拟资产服务商得依主管机关规定以简化登记方式向我国交易人提供服务不是用第一项之许可要求但应遵守本法洗钱方制及资讯介入规定第八条至第十二条通行证原版第十二条第二项增加后段文字"},{"start":18862.731,"end":18887.433,"text":"曾因虚拟资产诈欺洗前或违反本法受刑事追诉确定者终身不得担任虚拟资产服务商之负责人其担任董事监察人者主管机关应命其解任第三章共通管理规范第十三条至第二十三条通行政院版第四章个别虚拟资产服务商之特定规范第二十四条至第二十八条通行政院版"},{"start":18889.963,"end":18918.09,"text":"第五章虚拟资产服务商同业公会第29条至第33条同行政院版第六章稳定币发行及管理第34条同行政院版增列第五项演算法稳定币不得申请本条之许可任何人不得在我国境内发行演算法稳定币违反者主管机关的命令立即停止发行并限期清退并依第47条规定移送法案"},{"start":18919.346,"end":18929.244,"text":"第35條 虛擬資產服務商提供第6條第一項各款服務涉及穩定幣者因確保該穩定幣屬下列情形之一 使得提供服務一"},{"start":18930.317,"end":18949.018,"text":"1.第34条第一项规定以在我国取得许可发行之稳定币2.依本条第二项以获主管机关公告列入境外稳定币认可名单之境外稳定币主管机关应建立境外稳定币认可制度凡符合下列全部条件之境外稳定币得申请列入认可名单"},{"start":18950.1,"end":18968.073,"text":"各虚拟资产服务商无需就同意稳定币逐案申请同意交易一在一个以上等效果加以依法取得监理核可二发行人保有始祖法定货币准备资产并经认可法预支主管机关或独立审计机构定情查核"},{"start":18970.699,"end":18988.811,"text":"3.持币人得随时依面而赎回,且于一个营业日内完成赎回4.发行人指定我国境内之法律代理人,并承诺配合主管机关之监理要求5.发行人同意接受我国主管机关关于洗钱房制及消费者保护规定之使用"},{"start":18989.91,"end":19013.015,"text":"6.無演算法穩定幣資訊紙準備資產以實足法定貨幣為支撐主管機關應於收到完整申請文件後60日內作成決定並公告認可名單名單至少每半年更新並及時公告撤銷或暫停認可之情形以認可之境外穩定幣不再符合資格時相關服務商應於公告後90日內完成下架"},{"start":19013.959,"end":19039.606,"text":"境外稳定币承认之申请程序审查标准认可名单管理及其他应遵循事项之规则由主管机关会商中央银行定之第36条稳定币发行人应设置与维持十足之准备资产除去于境内之金融机构且该准备资产应与其自有财产分别独立且应全数信托于金融机构保管并进行定期查核第二项之第五项同行证员版"},{"start":19041.581,"end":19070.872,"text":"第37條同行政院版第三項增加且應於收到贖回申請後一個營業日內完成贖回第38條第一項第二項同行政院版第二項後段增列其優先順位優先於稅捐及特定公知債權以外至一切其他債權人第三項法院就準備資產之法還裁定應以最速件處理並於受理申請後14日內做成裁定"},{"start":19072.23,"end":19081.387,"text":"第39條第40條通行證原版第41條第一項增列第五款準備資產之外部審計報告"},{"start":19083.919,"end":19108.602,"text":"第42條符合下列條件之支付型穩定幣不屬證券交易法所稱有價證券亦不屬期貨交易法所稱商品其發行買賣、移轉及保管等行為不適用證券交易法及期貨交易法相關規定由本法統一規範依第34條取得主管機關許可發行或依第35條取得主管機關認可之境外穩定幣"},{"start":19109.783,"end":19126.1,"text":"2.以十足法定貨幣準備資產為支撐,且維持與法定貨幣1比1之固定兌換比率。3.發行人對持幣人負有隨時依面而贖回之義務。4.不具投資目的,需以支付或結算為主要用途。"},{"start":19127.113,"end":19140.102,"text":"前項規定不影響證券交易法或期貨交易法以穩定幣為媒介之有價證券交易穩定幣與期貨商品之連結交易或其他性質上屬有價證券或商品之虛擬資產交易之適用"},{"start":19142.95,"end":19165.252,"text":"主管机关应依本条规定就现行法规命令中涉及稳定币定性之相关规定与金融监督管理委员会所辖各局会商修整第43条为支持虚拟资产市场之创新发展依本法许可之虚拟资产服务商得申请办理虚拟资产衍生性商品及代币化资产相关业务"},{"start":19165.993,"end":19190.55,"text":"前项业务之范围许可条件资格要求业务规范及其他应遵循事项之办法由主管机关定制涉及中央银行执掌事项者应会商中央银行定制主管机关定定前项办法前应广泛征询业者学者消费者保护机构及相关机构机关之意见并对外公开说明政策方向第七章管理及监督第44条同行政院版第42条"},{"start":19192.383,"end":19219.375,"text":"第45條第一項至第三項同行政院版第43條第4項同行政院版第44條第5項同行政院版第45條第46條同行政院版第8章罰則第47條同行政院版第48條第一項第二項同行政院版第48條第三項有下列情勢之一者處三年以下有期徒刑拘役或科後病科薪台幣240萬元以下罰金一"},{"start":19222.298,"end":19228.466,"text":"依第七條第一項第三項第四項第八條第一項或第三十四條第一項之申請事項為虛位或隱匿之記載"},{"start":19232.033,"end":19260.882,"text":"2.對於主管機關1第45條第一項令提出之財務或業務報告或其他相關資料之內容為虛偽或隱匿之記載3.於依法或主管機關基於法律所發布之命令規定之帳簿表冊傳票財務報告或其他有關業務文件之內容為虛偽或隱匿之記載4.意圖妨礙主管機關檢查或司法機關調查未照變照隱匿掩飾工作底稿有關紀錄或文件"},{"start":19262.25,"end":19274.16,"text":"第49條同行政院版第50條第一項同行政院版第二項第一至第11款及第13款第三項第4項同行政院版第52條第12款"},{"start":19277.882,"end":19293.275,"text":"穩定必發行人違反第36條第37條第39條第40條或第41條規定或未依規定建立各項控制制度或未確實執行第51條第一項同行政院版第53條第二項同行政院版第54條第9章覆則第52條第53條同行政院版第55條第56條宣讀完畢"},{"start":19307.15,"end":19307.331,"text":"結束了"}]}},"supported_relations":[],"relations":[]}