| IVOD_ID |
164022 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/164022 |
| 日期 |
2025-10-13 |
| 會議資料.會議代碼 |
委員會-11-4-20-2 |
| 會議資料.會議代碼:str |
第11屆第4會期財政委員會第2次全體委員會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
4 |
| 會議資料.會次 |
2 |
| 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4會期財政委員會第2次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-10-13T10:58:37+08:00 |
| 結束時間 |
2025-10-13T11:11:13+08:00 |
| 影片長度 |
00:12:36 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/5d6d14916e595edc78a820f80b108c6a524a4fcb09fe3320a407684b3aac85907a56b3449513e4b65ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
黃珊珊 |
| 委員發言時間 |
10:58:37 - 11:11:13 |
| 會議時間 |
2025-10-13T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第4會期財政委員會第2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。
【10月13日、15日及16日三天一次會】） |
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| transcript.whisperx[0].start |
0.29 |
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4.182 |
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委員好 |
| transcript.whisperx[1].start |
4.815 |
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| transcript.whisperx[1].text |
是 主委早我想今天大家都非常關心打炸從我們上任之後主委到這邊我們修了很多法那內政部警政署165的打炸儀表板到今年1到7月還是有高達14.4萬件那財損金額是700多億那今天看到報紙頭條又有一個醫生的太太被騙了3000多萬主委 打炸的成果我想大家都非常努力但是打炸 |
| transcript.whisperx[2].start |
34.979 |
| transcript.whisperx[2].end |
49.951 |
| transcript.whisperx[2].text |
當然不應該是在事後善後所以我們應該事前防範但是我們做了這麼多的宣導還有這麼多詐騙您的感想是什麼我想這個我們到底該再做些什麼 |
| transcript.whisperx[3].start |
50.748 |
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67.467 |
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我想這個涉及到很多層面就以我們金管會的角度來看的話我們盡量要讓我們的這些金融帳戶不會變成是犯罪的工具再來就是我們要加強大家對金融投資的這些的素養 |
| transcript.whisperx[4].start |
68.368 |
| transcript.whisperx[4].end |
89.86 |
| transcript.whisperx[4].text |
然後知道能夠試炸能夠辨識觀念跟程序跟相關的事情大家都沒有概念所以就一步一步錯然後甚至拿房地產去抵押再借更多的錢去被騙好想諸位我們大家都很努力有打炸是政府的重中之重那金管會尤其是銀行其實已經非常努力那現在積極用各種方法 |
| transcript.whisperx[5].start |
90.62 |
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116.992 |
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那第一線的基層其實很辛苦除了民眾莫名其妙會生氣說你幹嘛管我錢到哪裡去現在的問題就是我上次你來拜會的時候我來說了其實很多的民眾現在碰到的是銀行真的管很寬管很多管到他們受到生活上很大的影響那網路上面有很多人已經講了我們這邊也接到很多陳情案其實有很多的案子非常的簡單但是現在的問題是 |
| transcript.whisperx[6].start |
118.352 |
| transcript.whisperx[6].end |
144.417 |
| transcript.whisperx[6].text |
第一銀行現在非常積極所以用AI來做相關異常帳戶的控管第二他發現異常他就鎖帳戶這是我們新的法給他的授權但是有些銀行可能過於積極所以造成了很多民眾的困擾這邊舉兩個案子第一個是有一個民眾他的育兒今天去申請通過了但是他的帳戶被鎖了然後最重要的是沒人告訴他 |
| transcript.whisperx[7].start |
145.917 |
| transcript.whisperx[7].end |
162.969 |
| transcript.whisperx[7].text |
有很多人他的帳戶是有扣款的比如說有扣停車費有扣甚至定期定額的投資款這些受到影響的人民眾的反應最嚴重的是被鎖不明原因也就算了連告知都沒有 |
| transcript.whisperx[8].start |
163.769 |
| transcript.whisperx[8].end |
176.114 |
| transcript.whisperx[8].text |
所以當他碰到被吹討相關費用的時候他才知道他被鎖帳第二個是有很多民眾他可能是團購主所以他會接到很多的帳戶轉帳過來的幾百塊的錢可這樣的情況也會馬上被鎖住而這樣的狀況他要拿出跟團購者一個一個對話的記錄銀行才讓他解鎖 |
| transcript.whisperx[9].start |
187.779 |
| transcript.whisperx[9].end |
204.166 |
| transcript.whisperx[9].text |
没错打仗很重要所以主委我们有打仗有需要到搞不清楚状况然后连告知都不做的吗我想就是我们在这个是不是要事前告知或事后告知这件事情你锁了我你总要告诉我吧 |
| transcript.whisperx[10].start |
204.825 |
| transcript.whisperx[10].end |
225.571 |
| transcript.whisperx[10].text |
就是說我們現在已經大概你事前告知怕被詐團利用沒關係但是鎖完之後要不要告訴當事人一下這一點的話我們會有跟銀行這邊溝通至少要告知我覺得無論如何你鎖完之後至少要告知不要等到人家被扣款扣不到的時候才知道現在很嚴重的還有那種可能是交割款違約交割誰負責 |
| transcript.whisperx[11].start |
228.652 |
| transcript.whisperx[11].end |
251.187 |
| transcript.whisperx[11].text |
据我所知现在他们会用简讯跟email通知客户是 第二个告知完之后其实最严重的是他要解锁的方法非常的复杂每个银行不一样你要拿出你他就把你当炸团你要拿出你跟团购的人像我们很多好朋友一起出去爬山我们可能会一起付一笔钱之后勾到去然后再汇款给 |
| transcript.whisperx[12].start |
252.208 |
| transcript.whisperx[12].end |
272.41 |
| transcript.whisperx[12].text |
那個付錢的人像這種情況可能現在都會被認為他可能收取不明來源的銀行帳戶主委我不是說不要打詐而是打詐之後的第一動作要告知第二解鎖的方式要能夠讓民眾比較方便你知道銀行的客服有多難打嗎 |
| transcript.whisperx[13].start |
273.391 |
| transcript.whisperx[13].end |
276.732 |
| transcript.whisperx[13].text |
我只要打個客服我大概都要等一二十分鐘你打過嗎每一個都給你用語音洗腔請你慢慢等候沒有十分鐘是接不起來的所以如果解凍這麼困難每一個都要去現場才能解凍你覺得這樣的打炸不是只是打炸啊它在擾民啊 |
| transcript.whisperx[14].start |
291.192 |
| transcript.whisperx[14].end |
314.662 |
| transcript.whisperx[14].text |
我想剛才委員還有幾位委員這樣的一個要求我們都虛心接受我明白我們不是接受我們希望你能找出方法經管會可以跟銀行公會討論出一個好你要動沒問題那是解凍的方法SOP讓民眾知道我要去哪裡投訴我要去哪裡找辦法 |
| transcript.whisperx[15].start |
315.402 |
| transcript.whisperx[15].end |
331.682 |
| transcript.whisperx[15].text |
这个我们已经在持续在做了我想从第一次发生这个问题再接下来我想如果仔细观察其实确实他们银行也在优化中希望尽数不要再发生这种莫名其妙然后连告知都没有的事件当然这是我们的 |
| transcript.whisperx[16].start |
332.643 |
| transcript.whisperx[16].end |
355.109 |
| transcript.whisperx[16].text |
那個要求也是我們的理想這邊跟委員報告一下就是說我在這邊還是要再再度的重申剛才講說我們對銀行做這件事我們還是絕對的支持但是我們也支持啊對對對就是說只是支持的情況下要讓銀行跟客戶之間還有客戶良善的客戶不要受到太多的打擾當然這是我們的 |
| transcript.whisperx[17].start |
355.529 |
| transcript.whisperx[17].end |
371.549 |
| transcript.whisperx[17].text |
我們一定會朝這個方向來努力剛才講說委員剛才講比如說電話難打的問題告知的問題我們會馬上回去請他們趕快來做你打一次銀行客服你就知道多難打了我相信一般的民眾大概沒有等個十分鐘是接不起來的 |
| transcript.whisperx[18].start |
372.19 |
| transcript.whisperx[18].end |
391.333 |
| transcript.whisperx[18].text |
当然银行的客服人员现在我们现在是这种方法是让客服更累啊他们已经很累了现在更累我希望这个部分是一些好事但是同样的你这种AI的方式有些银行宣称他们有拦阻了50%的诈骗但是相对的有50%的人受到困扰 |
| transcript.whisperx[19].start |
392.569 |
| transcript.whisperx[19].end |
413.399 |
| transcript.whisperx[19].text |
對 當然我想這個是我們努力的方向所以重點是我們要打詐的方法要稍微聰明一點讓正常的人能夠正常的生活而不是有的人連自己轉賬給自己也要被問你為什麼自己轉賬給自己因為你自己轉賬給自己你可能就是被拿出來當喜人這種把每個人都當詐團的方法並不好 |
| transcript.whisperx[20].start |
416.14 |
| transcript.whisperx[20].end |
443.198 |
| transcript.whisperx[20].text |
我想這個案例很多我也常常自己轉給自己我的新轉賬戶我轉到我的股票賬戶就這麼簡單沒有為什麼我要自己轉給自己我覺得至少不要讓人家覺得你把每個人當詐騙集團我想他們也不是想這麼做文化的方法可以更好一點設定的項目可以更精準一點這個是絕對的一定朝這個方向來走 |
| transcript.whisperx[21].start |
443.618 |
| transcript.whisperx[21].end |
458.629 |
| transcript.whisperx[21].text |
好另外一個問題就是金管會在去年說針對汽車強制險的保險費率也就是我上次質詢主委的台灣其實我們有蠻嚴重的金融歧視尤其是在汽車險男性女性不一樣然後我們只有針對 |
| transcript.whisperx[22].start |
460.23 |
| transcript.whisperx[22].end |
485.804 |
| transcript.whisperx[22].text |
車主來做相關的處罰你這是出國險所以你下一三年都會很貴所以很多人就是用別人的名字來買車所以造成了車責跟開車的人都不一樣買車的人是太太開車的人是老公造了事的是兒子然後可是三個人的費率只有那個買車的太太被受到影響這是一個什麼樣的制度這很離譜啊 |
| transcript.whisperx[23].start |
486.664 |
| transcript.whisperx[23].end |
508.955 |
| transcript.whisperx[23].text |
所以主委你們說今年要做處理處理的狀況如何現在的演繹到什麼程度好 謝謝我想這我們一直都在處理我請那個王局長來跟您做個簡單是 金融歧視應該消除尤其是我相信性別不該是歧視第二個我上次跟主委說過的我們希望在金融面前人人平等 |
| transcript.whisperx[24].start |
510.439 |
| transcript.whisperx[24].end |
538.14 |
| transcript.whisperx[24].text |
報告委員這個部分那個因為行政院那邊有列管考那我們這個從人因素的這部分是我需要時間表我們在今年底以前今年年底以前報告來跟行政院應該要根據駕駛人他的行為來做差別費率的條件之前我們希望產險業者做UBI車險的部分要透過他的行為來判斷這件事情 |
| transcript.whisperx[25].start |
538.86 |
| transcript.whisperx[25].end |
555.352 |
| transcript.whisperx[25].text |
保險局還要不要繼續推這部分保險公司的設計上面我們其實都沒有限制他們可以推但是希望你們金管會應該有一個自己的立場我們這個是鼓勵的立場鼓勵的立場希望繼續推 |
| transcript.whisperx[26].start |
558.393 |
| transcript.whisperx[26].end |
587.425 |
| transcript.whisperx[26].text |
我想我在學校使用者習慣很重要我在學校就非常支持就是應該是用預防性的保單就是應該是跟風險做連結是他用風險高的人他本來就應該付高保費而不是拿人頭在這邊轉來轉去另外一個是上一次我跟主委說其實台灣的保險金融科技已經非常進步而且現在區塊鏈技術也很成熟我們在台北市政府的時候110年就跟壽險工會合作跟醫院 |
| transcript.whisperx[27].start |
588.405 |
| transcript.whisperx[27].end |
617.64 |
| transcript.whisperx[27].text |
在診斷證明用區塊鏈的方式來取得當事人同意保險公會可以直接去醫院拿到診斷證明不需要再要這些生病的人去奔波同樣的我上次也問過了如果這個技術是成熟的我們應該是不是在產險我們現在有919萬的汽車1000多萬輛的機車每一個都有強制險他發生事故的時候其實只有一個就是 |
| transcript.whisperx[28].start |
618.32 |
| transcript.whisperx[28].end |
635.658 |
| transcript.whisperx[28].text |
警政單位的相關的報案記錄這個東西他其實也可以透過區塊鏈的方式達到安全只要當事人同意保險工會就直接可以取得所謂的相關的保險理賠這件事情我問過金管會金管會說還不知道民眾自己停購比較好但是5月5號你們回我5月27號金管會的記者會 |
| transcript.whisperx[29].start |
641.124 |
| transcript.whisperx[29].end |
670.322 |
| transcript.whisperx[29].text |
金融科技產業聯盟的國泰金控說將要運用產險聯盟區塊鏈來串接醫療場所跟警政單位的資料將三方資料匯成單一系統平台主委金管會說還是當事人提供但是國泰金控說我們要串聯請問金管會要不要幫忙他們串聯內政部 警政署所有相關車險如果可以的話又可以省掉很多馬路上面的動作 |
| transcript.whisperx[30].start |
670.822 |
| transcript.whisperx[30].end |
693.007 |
| transcript.whisperx[30].text |
那當然啊 其實像比如受險的部分他們有理賠一起通是 理賠一起通現在已經有四十幾家加入了對 對 對所以這是做得到的 不是做不到只要當事人同意就可以取得現在問題就是你要不要去協助他們跟內政部警政單位做連結要不要讓他們能夠串接而已 |
| transcript.whisperx[31].start |
695.543 |
| transcript.whisperx[31].end |
711.682 |
| transcript.whisperx[31].text |
因為李培己通我們自己跟醫院就可以做到醫院也是我們去拜託衛福部拜託相關的單位來促成的車子的碰撞或是事故可能攸關到一些責任 |
| transcript.whisperx[32].start |
712.082 |
| transcript.whisperx[32].end |
726.631 |
| transcript.whisperx[32].text |
沒關係 我們只需要串接警政單位的報案紀錄而已對 就是這部分我們跟會跟內政部請要再溝通一下因為我需要你給我一個時間表他們有一個不一樣的考量因為你們5月5號給我的回文說你們不處理啦 |
| transcript.whisperx[33].start |
727.065 |
| transcript.whisperx[33].end |
747.798 |
| transcript.whisperx[33].text |
沒有我想說這個是一個進步的方向因為否則我們在路上看到很多的車子就為了一個小事故停在那邊是好不好所以我只需要時間我希望在今年年底以前有一個具體的進度好那我想今年年底前我們會把溝通的結果跟委員報告好謝謝我們謝謝黃珊珊委員接下來我們請李燕秀委員 |