| IVOD_ID |
161725 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/161725 |
| 日期 |
2025-05-21 |
| 會議資料.會議代碼 |
委員會-11-3-20-13 |
| 會議資料.會議代碼:str |
第11屆第3會期財政委員會第13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 |
13 |
| 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13次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-05-21T11:46:38+08:00 |
| 結束時間 |
2025-05-21T11:57:40+08:00 |
| 影片長度 |
00:11:02 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/e381da0d479eb7db69877ff8a07c878eda433bb611ec39b925d7a793ed1225321614a9641f3446d05ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
顏寬恒 |
| 委員發言時間 |
11:46:38 - 11:57:40 |
| 會議時間 |
2025-05-21T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第3會期財政委員會第13次全體委員會議（事由：一、邀請財政部、金融監督管理委員會、中央銀行就「房屋稅2.0課徵亂象與金融機構對不動產融資緊縮及中央銀行信用管制措施對房地產交易之影響」進行專題報告，並備質詢。
二、處理中華民國114年度中央政府總預算決議有關金融監督管理委員會主管預算凍結書面報告案39案。【報告事項】
三、處理中華民國114年度中央政府總預算決議有關金融監督管理委員會主管預算凍結專案報告案9案。【討論事項】） |
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| transcript.whisperx[0].start |
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部長早上個禮拜質詢你的時候有提到薪稅至上路一定要做好萬全的準備避免造成民眾的困擾但是房屋稅2.0薪至上路大出包許多民眾陸續接到金額暴增內容錯誤的稅單引發大規模的反彈以台北市為例 |
| transcript.whisperx[1].start |
26.481 |
| transcript.whisperx[1].end |
41.63 |
| transcript.whisperx[1].text |
稅監處發出107萬件稅單當中就有5萬件這個物列非自助稅率導致稅額一增新北市也出現大量類似的情況那受影響件數也達到萬件以上 |
| transcript.whisperx[2].start |
42.651 |
| transcript.whisperx[2].end |
67.771 |
| transcript.whisperx[2].text |
那甚至有民眾表示說原來的稅額六千元卻暴增到兩萬這個增幅超過三倍那雖然你們事後有開放補辦資助申報延長申報期限到6月2號但是我們強調說這不是技術性的錯誤啦是因為制度設計本身就有問題還有這些在系統推行前請問部長有沒有 |
| transcript.whisperx[3].start |
69.342 |
| transcript.whisperx[3].end |
96.682 |
| transcript.whisperx[3].text |
確實的要求地方稅務機關完成整合還有模擬測試有嗎跟委員報告一定有的在這個新制實施新法修正以後我們多次的邀請地方政府來開會然後相關的系統設計也都是多次的測試跟驗證這是沒有問題那至於剛剛委員提到台北市的部分台北市這五萬多件主要就是說它有自住的房屋但是它也有停車位但是它把停車位呢 |
| transcript.whisperx[4].start |
97.162 |
| transcript.whisperx[4].end |
119.996 |
| transcript.whisperx[4].text |
用非自住的稅率2%來課這是不合理的 而主要的問題我們也去了解是因為內部的承辦同仁就台北市追緣處的承辦同仁在家住上家住錯誤那台北市發現以後他也立即的去做更正而且通知所有的各個大稅議員而且已經重新都開單了繳款期限也都往後延這台北市政府他自己單獨的一個問題發生了五萬多件 |
| transcript.whisperx[5].start |
122.978 |
| transcript.whisperx[5].end |
128.219 |
| transcript.whisperx[5].text |
至於新北市的部分它是對於有單獨一個權狀的車位它不把它 |
| transcript.whisperx[6].start |
129.507 |
| transcript.whisperx[6].end |
152.356 |
| transcript.whisperx[6].text |
隨同他的組件物用途來做使用那這個部分呢我們會發通函告訴他們就是公共設施應該要隨同組件物雖然他有單獨的權狀都應該隨同組件物的用途來稅率來課徵那這個部分我們也都會再處理那事實上這是涉及到新北市政府他本身自己在認定的部分因為新北市政府在過去我們修這個2.0之前他們 |
| transcript.whisperx[7].start |
156.217 |
| transcript.whisperx[7].end |
182.188 |
| transcript.whisperx[7].text |
才很晚才通過他們的房屋稅差別稅率所以他在實務執行上並沒有實務執行上碰到過這樣的一個情況所以這一次在他們那邊因為沒有曾經的一個經驗而發生在認定上的一個起義照你這麼講的話就是說這五萬多件再加上新北市的上萬件這些部分就好像都是個案都是因為地方政府的之前已經經過了很多的整合跟測試那還是會發生這麼多的問題啊 |
| transcript.whisperx[8].start |
184.952 |
| transcript.whisperx[8].end |
206.409 |
| transcript.whisperx[8].text |
這個件數您說五萬多元三萬多元它的問題是同樣發生的同樣的一個類型的問題我們對於這個發生的一個情況都有去了解它的一個太陽然後看看要怎麼樣方式來做解決所以先請教說那後續這個是行為作業的疏失還是因為配套的問題那造成這些民怨跟錯誤 |
| transcript.whisperx[9].start |
208.21 |
| transcript.whisperx[9].end |
237.448 |
| transcript.whisperx[9].text |
雖然有這個補救跟這個延長申報那未來 未來財政部有什麼更具體的作為能夠讓有這樣子可以大家一個一致性那這個繳的稅是國家的稅民眾繳的稅是國家的稅啊這個是不允許發生的錯誤啊是不是謝謝委員的一個提示對於當然第一年發生這樣第一年的開徵有些這些個別的狀況我們都會持續的收集然後及時的解決同時呢也會把它彙整起來未來會把它做一個很好的一個指引 |
| transcript.whisperx[10].start |
238.129 |
| transcript.whisperx[10].end |
239.851 |
| transcript.whisperx[10].text |
讓未來不要再發生相同的一個狀況 |
| transcript.whisperx[11].start |
255.222 |
| transcript.whisperx[11].end |
271.808 |
| transcript.whisperx[11].text |
委員好 主委好114年度金管會預算案在第二幕金融監理編列預算2367萬8千元那但是這個主要是用於這個金融機構風險控管推動防詐政策但是我們 |
| transcript.whisperx[12].start |
273.523 |
| transcript.whisperx[12].end |
292.15 |
| transcript.whisperx[12].text |
我們國內的這個詐騙案件還是層出不窮這個手法不斷的更新成效並沒有呈現出相對應的改善所以台北市這個打詐羽毛板的數據來說光是上個月單月的財損金額就高達13億 |
| transcript.whisperx[13].start |
294.719 |
| transcript.whisperx[13].end |
304.875 |
| transcript.whisperx[13].text |
兩千一百萬左右而且這只是台北市的統計數據如果推估到全國各縣市的總額不知道是幾倍以上所以我想 |
| transcript.whisperx[14].start |
306.554 |
| transcript.whisperx[14].end |
326.913 |
| transcript.whisperx[14].text |
雖然金管會在系統建置跟KIC落實方面有投入資源但是人頭帳戶總數這些部分還是持續在增加到113年底全國銀行及信和社的警示帳戶就高達14.93萬戶那尤其單年新增 單一個年度新增超過3萬戶 |
| transcript.whisperx[15].start |
328.354 |
| transcript.whisperx[15].end |
345.356 |
| transcript.whisperx[15].text |
那顯示出這個KYC作業可能存在的重大缺口我想請教主委那是否已經針對不同銀行的KYC執行品質可量化的一個評鑑訂定標準如何強化管理可不可以告訴我們一下好 謝謝委員 |
| transcript.whisperx[16].start |
347.623 |
| transcript.whisperx[16].end |
373.521 |
| transcript.whisperx[16].text |
那個委員過去對這議題都一向非常非常的關心那確實在我們去年去年打炸應該是損失金額最高是11月的126億那到了今年2月大概到60億到3月70那最近有調高到4月大概76億在微幅的上漲確實還有待努力我想說從最高峰我想那個經過各部會的努力確實有一些 |
| transcript.whisperx[17].start |
374.301 |
| transcript.whisperx[17].end |
402.598 |
| transcript.whisperx[17].text |
那個減少啦但是我們還要持續的努力但是就剛委員提到我們對那個警示帳戶的管制這是我們現在管理的重中之重我想我們現在啊自從我們3月開始要求他們現在所有金融機構就應該設立打詐主管這樣我們有監控兩個指標這兩個指標我們按月監控然後這部分呢其實上我們在這部分也給銀行非常大的壓力這部分我們會來持續來做那個主委 |
| transcript.whisperx[18].start |
403.84 |
| transcript.whisperx[18].end |
418.405 |
| transcript.whisperx[18].text |
警示帳戶這部分其實不是啦因為關鍵還是在源頭嘛對不對在開立帳戶的時候如果去落實辨識跟這些封控的程序那所以這個營運局在113年3月21號修正這個部分其實 |
| transcript.whisperx[19].start |
425.816 |
| transcript.whisperx[19].end |
450.264 |
| transcript.whisperx[19].text |
我們不能讓金管會的這個打詐政策只是淪為一個形式嗎當然不會 我們其實也一直在用不同的方法來做這件事情如何嘛 如何能夠制止嘛 對不對你現在人頭戶那麼多我們現在用內外夾擊的方式第一個我們在外部跟各個單位來合作怎麼樣去辨識出警示帳戶的高風險群透過通報還有彼此的警示然後達到這樣二組當然剛剛那個 |
| transcript.whisperx[20].start |
452.205 |
| transcript.whisperx[20].end |
472.458 |
| transcript.whisperx[20].text |
委員提到就是我們做KYC落實KYC我想剛剛也有委員提到比如說我們對一些數位帳戶的開戶因為現在不法集團他很容易以冒名的方式來進行這個帳戶作為申請帳戶然後沒有經過這樣子一個科技辨認那所以這樣子的話就變成 |
| transcript.whisperx[21].start |
473.439 |
| transcript.whisperx[21].end |
501.266 |
| transcript.whisperx[21].text |
他在控管了這樣子的一個不當金流的一個帳戶的一個進出所以如何從這一端來把它制止掉這個部分對 當然我們這個部分因為其實詐團也是推陳出新我們的方法也要與時俱進但是就是要強力的控管啊好不好主委好 謝謝主委謝謝金管委會不是 講錯了 不好意思 |
| transcript.whisperx[22].start |
503.63 |
| transcript.whisperx[22].end |
508.683 |
| transcript.whisperx[22].text |
銀行局 滕局長委員好局長這個 |
| transcript.whisperx[23].start |
511.4 |
| transcript.whisperx[23].end |
539.793 |
| transcript.whisperx[23].text |
我們在113.3月21號修正高齡客戶自立規範第14條要求金管機構金融機構在向高齡者推銷這些金融商品的時候要錄音錄影存這個流存這個銷售過程以利未來做一個查證爭議的部分但是到今天為止還是自立規範對不對是自立規範嗎是沒有明確的強制性執行立法沒有嗎 |
| transcript.whisperx[24].start |
540.393 |
| transcript.whisperx[24].end |
564.946 |
| transcript.whisperx[24].text |
但是跟委員報告,自律規範事實上等同於法律的一個部分所以我們也會列為相關包括內積內控的一個要求範圍之列對啊,你們怎樣管控?我們是以日常監理、實地查訪、金融檢查這樣的方式加強控管,是不是?報告委員是的,我們會從日常監理的要求那金融檢查的部分呢,這個部分也會列為我們加強金錢的一個重點 |
| transcript.whisperx[25].start |
565.789 |
| transcript.whisperx[25].end |
584.979 |
| transcript.whisperx[25].text |
因為高齡者對高齡者銷售的金融產品種類繁多那尤其因為資訊接落的不對稱還有這些風險皆是不足那銷售過程當中是不是有一些誘導性的話術甚至於這些高齡者完全不知道 |
| transcript.whisperx[26].start |
585.953 |
| transcript.whisperx[26].end |
608.921 |
| transcript.whisperx[26].text |
他為什麼要投保他所投為何所以這是正義的案例所以錄影錄音這個確實能夠有效的保障高齡者的權益那金管會是不是會針對錄影錄音進行事後如果有正義的時候對於這些錄影錄音進行語音分析或者是抽樣審核來落實來做這樣子的避免說表面落實但是實時侵犯的這種狀況 |
| transcript.whisperx[27].start |
611.283 |
| transcript.whisperx[27].end |
625.118 |
| transcript.whisperx[27].text |
檢察局在實地精檢的時候呢針對這個錄音帶的部分都會進行相關的調閱跟聽閱然後從這個當中如果發現有不符合治理規範的規定的話都會提列精檢意見我們銀行局都會依法來處理 |
| transcript.whisperx[28].start |
626.247 |
| transcript.whisperx[28].end |
648.98 |
| transcript.whisperx[28].text |
對啦 就是說要這些告認者是最不對稱的告認者被這個資訊最不對稱的一個族群所以說他們需要的是強制性可追溯 可問責的一個強制的保障制度好不好所以這個部分我們會持續來督促銀行要落實好 謝謝謝謝榮寬堂委員接著我們請黃珊珊委員 |
| transcript.whisperx[29].start |
656.07 |
| transcript.whisperx[29].end |
656.532 |
| transcript.whisperx[29].text |
看一看 |