| IVOD_ID |
159637 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/159637 |
| 日期 |
2025-03-26 |
| 會議資料.會議代碼 |
委員會-11-3-20-4 |
| 會議資料.會議代碼:str |
第11屆第3會期財政委員會第4次全體委員會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
3 |
| 會議資料.會次 |
4 |
| 會議資料.種類 |
委員會 |
| 會議資料.委員會代碼[0] |
20 |
| 會議資料.委員會代碼:str[0] |
財政委員會 |
| 會議資料.標題 |
第11屆第3會期財政委員會第4次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-03-26T12:08:54+08:00 |
| 結束時間 |
2025-03-26T12:14:55+08:00 |
| 影片長度 |
00:06:01 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/8cb7ec0b2cd1ea34518ee186499c78fc9336bc333af6bdb00b0900eab363510f103f035c999116f55ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
徐欣瑩 |
| 委員發言時間 |
12:08:54 - 12:14:55 |
| 會議時間 |
2025-03-26T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第3會期財政委員會第4次全體委員會議（事由：邀請金融監督管理委員會彭主任委員金隆率所屬機關首長暨中央存款保險股份有限公司、監管相關機構有關之財團法人、臺灣證券交易所股份有限公司、臺灣期貨交易所股份有限公司、臺灣集中保管結算所股份有限公司等董事長、總經理列席業務報告，並備質詢。
【3月24日及26日二天一次會】） |
| transcript.pyannote[0].speaker |
SPEAKER_00 |
| transcript.pyannote[0].start |
0.73971875 |
| transcript.pyannote[0].end |
15.64034375 |
| transcript.pyannote[1].speaker |
SPEAKER_01 |
| transcript.pyannote[1].start |
1.71846875 |
| transcript.pyannote[1].end |
2.00534375 |
| transcript.pyannote[2].speaker |
SPEAKER_01 |
| transcript.pyannote[2].start |
4.65471875 |
| transcript.pyannote[2].end |
5.24534375 |
| transcript.pyannote[3].speaker |
SPEAKER_01 |
| transcript.pyannote[3].start |
5.48159375 |
| transcript.pyannote[3].end |
5.92034375 |
| transcript.pyannote[4].speaker |
SPEAKER_00 |
| transcript.pyannote[4].start |
15.69096875 |
| transcript.pyannote[4].end |
25.44471875 |
| transcript.pyannote[5].speaker |
SPEAKER_00 |
| transcript.pyannote[5].start |
26.10284375 |
| transcript.pyannote[5].end |
29.25846875 |
| transcript.pyannote[6].speaker |
SPEAKER_00 |
| transcript.pyannote[6].start |
29.66346875 |
| transcript.pyannote[6].end |
31.63784375 |
| transcript.pyannote[7].speaker |
SPEAKER_00 |
| transcript.pyannote[7].start |
31.73909375 |
| transcript.pyannote[7].end |
35.60346875 |
| transcript.pyannote[8].speaker |
SPEAKER_00 |
| transcript.pyannote[8].start |
36.02534375 |
| transcript.pyannote[8].end |
37.66221875 |
| transcript.pyannote[9].speaker |
SPEAKER_00 |
| transcript.pyannote[9].start |
38.72534375 |
| transcript.pyannote[9].end |
40.81784375 |
| transcript.pyannote[10].speaker |
SPEAKER_00 |
| transcript.pyannote[10].start |
41.42534375 |
| transcript.pyannote[10].end |
44.83409375 |
| transcript.pyannote[11].speaker |
SPEAKER_01 |
| transcript.pyannote[11].start |
44.88471875 |
| transcript.pyannote[11].end |
47.17971875 |
| transcript.pyannote[12].speaker |
SPEAKER_00 |
| transcript.pyannote[12].start |
47.11221875 |
| transcript.pyannote[12].end |
51.43221875 |
| transcript.pyannote[13].speaker |
SPEAKER_00 |
| transcript.pyannote[13].start |
51.61784375 |
| transcript.pyannote[13].end |
57.01784375 |
| transcript.pyannote[14].speaker |
SPEAKER_01 |
| transcript.pyannote[14].start |
54.92534375 |
| transcript.pyannote[14].end |
63.66659375 |
| transcript.pyannote[15].speaker |
SPEAKER_00 |
| transcript.pyannote[15].start |
63.66659375 |
| transcript.pyannote[15].end |
64.00409375 |
| transcript.pyannote[16].speaker |
SPEAKER_00 |
| transcript.pyannote[16].start |
65.10096875 |
| transcript.pyannote[16].end |
67.91909375 |
| transcript.pyannote[17].speaker |
SPEAKER_00 |
| transcript.pyannote[17].start |
68.30721875 |
| transcript.pyannote[17].end |
83.57909375 |
| transcript.pyannote[18].speaker |
SPEAKER_00 |
| transcript.pyannote[18].start |
83.96721875 |
| transcript.pyannote[18].end |
89.26596875 |
| transcript.pyannote[19].speaker |
SPEAKER_00 |
| transcript.pyannote[19].start |
89.41784375 |
| transcript.pyannote[19].end |
94.54784375 |
| transcript.pyannote[20].speaker |
SPEAKER_00 |
| transcript.pyannote[20].start |
95.96534375 |
| transcript.pyannote[20].end |
104.62221875 |
| transcript.pyannote[21].speaker |
SPEAKER_00 |
| transcript.pyannote[21].start |
105.04409375 |
| transcript.pyannote[21].end |
111.87846875 |
| transcript.pyannote[22].speaker |
SPEAKER_00 |
| transcript.pyannote[22].start |
112.68846875 |
| transcript.pyannote[22].end |
115.64159375 |
| transcript.pyannote[23].speaker |
SPEAKER_01 |
| transcript.pyannote[23].start |
115.28721875 |
| transcript.pyannote[23].end |
115.55721875 |
| transcript.pyannote[24].speaker |
SPEAKER_00 |
| transcript.pyannote[24].start |
116.62034375 |
| transcript.pyannote[24].end |
116.63721875 |
| transcript.pyannote[25].speaker |
SPEAKER_01 |
| transcript.pyannote[25].start |
116.63721875 |
| transcript.pyannote[25].end |
117.27846875 |
| transcript.pyannote[26].speaker |
SPEAKER_00 |
| transcript.pyannote[26].start |
117.27846875 |
| transcript.pyannote[26].end |
122.29034375 |
| transcript.pyannote[27].speaker |
SPEAKER_01 |
| transcript.pyannote[27].start |
117.32909375 |
| transcript.pyannote[27].end |
118.10534375 |
| transcript.pyannote[28].speaker |
SPEAKER_01 |
| transcript.pyannote[28].start |
122.29034375 |
| transcript.pyannote[28].end |
132.60096875 |
| transcript.pyannote[29].speaker |
SPEAKER_00 |
| transcript.pyannote[29].start |
126.34034375 |
| transcript.pyannote[29].end |
126.61034375 |
| transcript.pyannote[30].speaker |
SPEAKER_00 |
| transcript.pyannote[30].start |
133.03971875 |
| transcript.pyannote[30].end |
135.03096875 |
| transcript.pyannote[31].speaker |
SPEAKER_01 |
| transcript.pyannote[31].start |
134.27159375 |
| transcript.pyannote[31].end |
142.60784375 |
| transcript.pyannote[32].speaker |
SPEAKER_00 |
| transcript.pyannote[32].start |
135.31784375 |
| transcript.pyannote[32].end |
135.55409375 |
| transcript.pyannote[33].speaker |
SPEAKER_01 |
| transcript.pyannote[33].start |
142.86096875 |
| transcript.pyannote[33].end |
143.82284375 |
| transcript.pyannote[34].speaker |
SPEAKER_00 |
| transcript.pyannote[34].start |
144.56534375 |
| transcript.pyannote[34].end |
144.59909375 |
| transcript.pyannote[35].speaker |
SPEAKER_01 |
| transcript.pyannote[35].start |
144.59909375 |
| transcript.pyannote[35].end |
144.75096875 |
| transcript.pyannote[36].speaker |
SPEAKER_00 |
| transcript.pyannote[36].start |
144.75096875 |
| transcript.pyannote[36].end |
158.38596875 |
| transcript.pyannote[37].speaker |
SPEAKER_00 |
| transcript.pyannote[37].start |
158.82471875 |
| transcript.pyannote[37].end |
165.40596875 |
| transcript.pyannote[38].speaker |
SPEAKER_00 |
| transcript.pyannote[38].start |
165.81096875 |
| transcript.pyannote[38].end |
176.07096875 |
| transcript.pyannote[39].speaker |
SPEAKER_01 |
| transcript.pyannote[39].start |
173.99534375 |
| transcript.pyannote[39].end |
175.10909375 |
| transcript.pyannote[40].speaker |
SPEAKER_01 |
| transcript.pyannote[40].start |
176.07096875 |
| transcript.pyannote[40].end |
184.57596875 |
| transcript.pyannote[41].speaker |
SPEAKER_01 |
| transcript.pyannote[41].start |
185.04846875 |
| transcript.pyannote[41].end |
194.38034375 |
| transcript.pyannote[42].speaker |
SPEAKER_00 |
| transcript.pyannote[42].start |
185.16659375 |
| transcript.pyannote[42].end |
185.36909375 |
| transcript.pyannote[43].speaker |
SPEAKER_00 |
| transcript.pyannote[43].start |
186.34784375 |
| transcript.pyannote[43].end |
187.15784375 |
| transcript.pyannote[44].speaker |
SPEAKER_01 |
| transcript.pyannote[44].start |
195.10596875 |
| transcript.pyannote[44].end |
195.22409375 |
| transcript.pyannote[45].speaker |
SPEAKER_00 |
| transcript.pyannote[45].start |
195.22409375 |
| transcript.pyannote[45].end |
217.06034375 |
| transcript.pyannote[46].speaker |
SPEAKER_01 |
| transcript.pyannote[46].start |
200.75909375 |
| transcript.pyannote[46].end |
201.11346875 |
| transcript.pyannote[47].speaker |
SPEAKER_01 |
| transcript.pyannote[47].start |
202.54784375 |
| transcript.pyannote[47].end |
204.33659375 |
| transcript.pyannote[48].speaker |
SPEAKER_01 |
| transcript.pyannote[48].start |
207.07034375 |
| transcript.pyannote[48].end |
207.30659375 |
| transcript.pyannote[49].speaker |
SPEAKER_00 |
| transcript.pyannote[49].start |
217.48221875 |
| transcript.pyannote[49].end |
218.68034375 |
| transcript.pyannote[50].speaker |
SPEAKER_00 |
| transcript.pyannote[50].start |
219.01784375 |
| transcript.pyannote[50].end |
229.81784375 |
| transcript.pyannote[51].speaker |
SPEAKER_01 |
| transcript.pyannote[51].start |
229.81784375 |
| transcript.pyannote[51].end |
242.84534375 |
| transcript.pyannote[52].speaker |
SPEAKER_00 |
| transcript.pyannote[52].start |
242.27159375 |
| transcript.pyannote[52].end |
244.87034375 |
| transcript.pyannote[53].speaker |
SPEAKER_01 |
| transcript.pyannote[53].start |
244.87034375 |
| transcript.pyannote[53].end |
251.58659375 |
| transcript.pyannote[54].speaker |
SPEAKER_01 |
| transcript.pyannote[54].start |
252.63284375 |
| transcript.pyannote[54].end |
252.66659375 |
| transcript.pyannote[55].speaker |
SPEAKER_00 |
| transcript.pyannote[55].start |
252.66659375 |
| transcript.pyannote[55].end |
252.71721875 |
| transcript.pyannote[56].speaker |
SPEAKER_01 |
| transcript.pyannote[56].start |
252.71721875 |
| transcript.pyannote[56].end |
256.14284375 |
| transcript.pyannote[57].speaker |
SPEAKER_00 |
| transcript.pyannote[57].start |
253.67909375 |
| transcript.pyannote[57].end |
267.61784375 |
| transcript.pyannote[58].speaker |
SPEAKER_01 |
| transcript.pyannote[58].start |
267.24659375 |
| transcript.pyannote[58].end |
272.32596875 |
| transcript.pyannote[59].speaker |
SPEAKER_01 |
| transcript.pyannote[59].start |
272.69721875 |
| transcript.pyannote[59].end |
276.12284375 |
| transcript.pyannote[60].speaker |
SPEAKER_00 |
| transcript.pyannote[60].start |
275.66721875 |
| transcript.pyannote[60].end |
278.78909375 |
| transcript.pyannote[61].speaker |
SPEAKER_01 |
| transcript.pyannote[61].start |
278.85659375 |
| transcript.pyannote[61].end |
287.74971875 |
| transcript.pyannote[62].speaker |
SPEAKER_01 |
| transcript.pyannote[62].start |
287.96909375 |
| transcript.pyannote[62].end |
289.53846875 |
| transcript.pyannote[63].speaker |
SPEAKER_00 |
| transcript.pyannote[63].start |
289.53846875 |
| transcript.pyannote[63].end |
291.02346875 |
| transcript.pyannote[64].speaker |
SPEAKER_01 |
| transcript.pyannote[64].start |
289.55534375 |
| transcript.pyannote[64].end |
290.17971875 |
| transcript.pyannote[65].speaker |
SPEAKER_00 |
| transcript.pyannote[65].start |
291.07409375 |
| transcript.pyannote[65].end |
292.17096875 |
| transcript.pyannote[66].speaker |
SPEAKER_00 |
| transcript.pyannote[66].start |
292.60971875 |
| transcript.pyannote[66].end |
297.28409375 |
| transcript.pyannote[67].speaker |
SPEAKER_01 |
| transcript.pyannote[67].start |
295.32659375 |
| transcript.pyannote[67].end |
312.89346875 |
| transcript.pyannote[68].speaker |
SPEAKER_00 |
| transcript.pyannote[68].start |
298.66784375 |
| transcript.pyannote[68].end |
299.05596875 |
| transcript.pyannote[69].speaker |
SPEAKER_00 |
| transcript.pyannote[69].start |
311.59409375 |
| transcript.pyannote[69].end |
311.89784375 |
| transcript.pyannote[70].speaker |
SPEAKER_00 |
| transcript.pyannote[70].start |
312.89346875 |
| transcript.pyannote[70].end |
321.06096875 |
| transcript.pyannote[71].speaker |
SPEAKER_01 |
| transcript.pyannote[71].start |
319.98096875 |
| transcript.pyannote[71].end |
329.21159375 |
| transcript.pyannote[72].speaker |
SPEAKER_00 |
| transcript.pyannote[72].start |
329.21159375 |
| transcript.pyannote[72].end |
330.96659375 |
| transcript.pyannote[73].speaker |
SPEAKER_01 |
| transcript.pyannote[73].start |
330.96659375 |
| transcript.pyannote[73].end |
332.80596875 |
| transcript.pyannote[74].speaker |
SPEAKER_00 |
| transcript.pyannote[74].start |
332.80596875 |
| transcript.pyannote[74].end |
335.23596875 |
| transcript.pyannote[75].speaker |
SPEAKER_01 |
| transcript.pyannote[75].start |
333.04221875 |
| transcript.pyannote[75].end |
334.20659375 |
| transcript.pyannote[76].speaker |
SPEAKER_01 |
| transcript.pyannote[76].start |
335.23596875 |
| transcript.pyannote[76].end |
335.84346875 |
| transcript.pyannote[77].speaker |
SPEAKER_00 |
| transcript.pyannote[77].start |
335.84346875 |
| transcript.pyannote[77].end |
339.23534375 |
| transcript.pyannote[78].speaker |
SPEAKER_01 |
| transcript.pyannote[78].start |
336.78846875 |
| transcript.pyannote[78].end |
337.12596875 |
| transcript.pyannote[79].speaker |
SPEAKER_01 |
| transcript.pyannote[79].start |
339.23534375 |
| transcript.pyannote[79].end |
339.30284375 |
| transcript.pyannote[80].speaker |
SPEAKER_00 |
| transcript.pyannote[80].start |
339.30284375 |
| transcript.pyannote[80].end |
343.06596875 |
| transcript.pyannote[81].speaker |
SPEAKER_01 |
| transcript.pyannote[81].start |
341.78346875 |
| transcript.pyannote[81].end |
342.98159375 |
| transcript.pyannote[82].speaker |
SPEAKER_00 |
| transcript.pyannote[82].start |
343.18409375 |
| transcript.pyannote[82].end |
345.12471875 |
| transcript.pyannote[83].speaker |
SPEAKER_00 |
| transcript.pyannote[83].start |
345.90096875 |
| transcript.pyannote[83].end |
347.31846875 |
| transcript.pyannote[84].speaker |
SPEAKER_00 |
| transcript.pyannote[84].start |
349.41096875 |
| transcript.pyannote[84].end |
349.91721875 |
| transcript.pyannote[85].speaker |
SPEAKER_00 |
| transcript.pyannote[85].start |
351.36846875 |
| transcript.pyannote[85].end |
352.36409375 |
| transcript.pyannote[86].speaker |
SPEAKER_00 |
| transcript.pyannote[86].start |
353.24159375 |
| transcript.pyannote[86].end |
353.68034375 |
| transcript.pyannote[87].speaker |
SPEAKER_00 |
| transcript.pyannote[87].start |
354.84471875 |
| transcript.pyannote[87].end |
356.39721875 |
| transcript.pyannote[88].speaker |
SPEAKER_00 |
| transcript.pyannote[88].start |
356.76846875 |
| transcript.pyannote[88].end |
359.14784375 |
| transcript.pyannote[89].speaker |
SPEAKER_00 |
| transcript.pyannote[89].start |
359.56971875 |
| transcript.pyannote[89].end |
360.58221875 |
| transcript.pyannote[90].speaker |
SPEAKER_00 |
| transcript.pyannote[90].start |
360.71721875 |
| transcript.pyannote[90].end |
361.45971875 |
| transcript.whisperx[0].start |
0.988 |
| transcript.whisperx[0].end |
25.244 |
| transcript.whisperx[0].text |
主委您好,應該還記得本席在總質詢的時候,特別希望,因為我想所有,沒有人想要被詐騙,不小心被詐騙,就是希望錢能夠拿得回來,那今天我們想就目前我們台灣多了一個產業鏈,叫做詐騙產業鏈,我們真的一定要好好來破解, |
| transcript.whisperx[1].start |
26.164 |
| transcript.whisperx[1].end |
36.36 |
| transcript.whisperx[1].text |
那這個首先我們想先看就是為什麼我們的金融體系沒有辦法有效的監管就是說詐團 |
| transcript.whisperx[2].start |
38.789 |
| transcript.whisperx[2].end |
63.141 |
| transcript.whisperx[2].text |
怎麼會有那麼多錢可以騙我們看看詐團最愛的銀行您知道是哪一家嗎當然我這邊不方便說啦不方便說我就問你啊因為這還是要面對現實詐團最愛的是哪一家這我不知道詐團最多但是我們只知道錦市帳戶比較多的金融機構是哪裡當然前一陣子有揭露公股的也有還有民營的也有 |
| transcript.whisperx[3].start |
65.771 |
| transcript.whisperx[3].end |
94.167 |
| transcript.whisperx[3].text |
2024年本席手上的資料這個中華郵政就是郵局它的警示帳戶有10619個三年之間暴增了4.8倍好像變成這個詐團的提款機那再來就是關股銀行那麼多間的關股銀行它這個在前十大這種警示帳戶也佔了一半以上 |
| transcript.whisperx[4].start |
96.077 |
| transcript.whisperx[4].end |
114.747 |
| transcript.whisperx[4].text |
我們看到唯一整個警示帳戶可以慢慢減少好像有所改善的是中國信託從這邊可以看出如果我們金融機構願意配合防詐效果應該是立竿見影當然我們沒有具體有效的作為嗎 |
| transcript.whisperx[5].start |
116.653 |
| transcript.whisperx[5].end |
143.194 |
| transcript.whisperx[5].text |
我們現在警示帳戶從通報到到他可以凍結大概多久我上次跟委員問過以後我們就把所有銀行問過一遍他們大概就是我們的規定叫立刻但是他們平常作業時間大概是5到20分鐘左右所以20分鐘以內可以5到20分鐘基本上大部分的銀行大概就完成在30分鐘跟警政署那邊一樣大概30分鐘之內大部分都已經幾乎都已經完成凍結 |
| transcript.whisperx[6].start |
145.445 |
| transcript.whisperx[6].end |
164.791 |
| transcript.whisperx[6].text |
我們常說他山之石可以攻錯,可以見賢思齊我們看到世界各國,其他國家做得好的這個本席在總諮詢的時候,時間不是很多,但也有提到跟我們整個的打炸,國內現在也已經整合出一個打炸的機構 |
| transcript.whisperx[7].start |
165.891 |
| transcript.whisperx[7].end |
194.191 |
| transcript.whisperx[7].text |
那我們金融機構的人可以進駐嗎?這一塊我們有開始在進行嗎?進駐哪裡?進駐整個打炸的打炸辦公室啊我們本來就有一個那個組織本來就有但是我們其實還是在各個金融機構裡面他自己就會來做這個防護啊所以不需要進駐效率一樣高嗎?那要溝通一些政策的時候但我們日常的打炸都是他們自己在做監控還有就是我們自己的聯防機制 |
| transcript.whisperx[8].start |
195.151 |
| transcript.whisperx[8].end |
214.812 |
| transcript.whisperx[8].text |
所以我們是希望您要去想人家做得好有哪些我們可以效法的我們要加速然後詐騙的金額跟件數真的要減少那再來就是現在詐團也找到了一個新的洗錢天堂你應該知道吧虛擬貨幣跟個人幣商 |
| transcript.whisperx[9].start |
217.56 |
| transcript.whisperx[9].end |
240.362 |
| transcript.whisperx[9].text |
那針對這個部分是不是目前90%以上的虛擬貨幣交易是透過個人幣商進行這些目前在台灣是不是幾乎不受監管這件事情到3月31號應該講去年我們通過的那個洗錢防治法修正以後其實採登記制的截止以後個人幣商就走入歷史了 |
| transcript.whisperx[10].start |
240.822 |
| transcript.whisperx[10].end |
251.009 |
| transcript.whisperx[10].text |
那接下來大概基本上就沒有...3月31號以前全部要登記嗎?就是如果沒有登記的話你還做這件事情的話那你就違反了法律的規定結果剛剛有提到有刑責 |
| transcript.whisperx[11].start |
252.694 |
| transcript.whisperx[11].end |
278.545 |
| transcript.whisperx[11].text |
行則有加重嗎?兩年所以我們希望能夠積極進行那再來就是說我們是不是可以配合檢查體系想辦法怎麼樣追回張款這塊這是我們努力的方向就是我們現在對剛剛委員說我們的方案我們有兩個一個是我們由外而內就是我們裡面有一個扣押可疑資金這個速度快不快? |
| transcript.whisperx[12].start |
278.925 |
| transcript.whisperx[12].end |
295.813 |
| transcript.whisperx[12].text |
那個就是說如果說他今天是被詐騙被凍結剛剛就可以但是比如說剛剛委員有提到我們很多投資詐騙當你有想到這件事情的時候都是幾個月之後了比如說通常那個都是有沒有有些人是這樣投下去以後好像突然覺得怪怪的也是有這種人吧對啊他馬上覺得不對 |
| transcript.whisperx[13].start |
297.374 |
| transcript.whisperx[13].end |
311.822 |
| transcript.whisperx[13].text |
對那個約轉賬戶我們就一定很多在兩天以後才能生效就是很多的措施都是會針對這些事情來處理剛剛不過委員關切就是說我們也看到從11月12月1月2月整個就降下來從最高126億現在到60億那請問有沒有 |
| transcript.whisperx[14].start |
314.944 |
| transcript.whisperx[14].end |
342.603 |
| transcript.whisperx[14].text |
把追回賬款列為金融機構績效獎勵指標可不可以我們在監控的時候就兩個一個警示賬戶要讓它下降再來就希望第二個就是追回的款項能夠成為我們鼓勵的一個方向你們有沒有這個獎勵指標我們現在已經在訂了在訂了什麼時候出來我們現在已經在執行中執行中最後要請教一下你的行業嗎我的行業因為我想說姓彭的好像大部分是客家人謝謝 |
| transcript.whisperx[15].start |
355.412 |
| transcript.whisperx[15].end |
360.315 |
| transcript.whisperx[15].text |
鄭正前委員鄭正前 鄭正前委員不在邱志偉委員請 |