| IVOD_ID |
164672 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/164672 |
| 日期 |
2025-10-23 |
| 會議資料.會議代碼 |
委員會-11-4-20-4 |
| 會議資料.會議代碼:str |
第11屆第4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 |
4 |
| 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4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 |
2025-10-23T11:03:53+08:00 |
| 結束時間 |
2025-10-23T11:15:10+08:00 |
| 影片長度 |
00:11:17 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/1f1f5c91750503d38d2051ffb452405a48629de9594d8cbe378985d1c29b3feadb95e054bd3dacb45ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
黃珊珊 |
| 委員發言時間 |
11:03:53 - 11:15:10 |
| 會議時間 |
2025-10-23T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第4會期財政委員會第4次全體委員會議（事由：邀請中央銀行楊總裁金龍率所屬單位主管暨財金資訊股份有限公司董事長列席業務報告，並備質詢。） |
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| transcript.whisperx[0].start |
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謝謝主席 我請楊總裁請楊總裁 |
| transcript.whisperx[1].start |
18.927 |
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黃委員早是 總裁早我想今天大家都還是很關心所謂台幣改版的事但我想先問一個事內政部的警政署165的打詐儀表板它其實有統計打詐的狀況還是很嚴重今年的財損已經達到700多億投資詐騙是第一名那打詐儀表板裡面非常多很有趣的事情就是 |
| transcript.whisperx[2].start |
44.471 |
| transcript.whisperx[2].end |
70.849 |
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诈骗集团滥用民众对于中央银行的信任所以假装是央行的外汇专员而且具名蔡炯明进行金融诈骗到上个礼拜还是发生所以这个应该是外汇局长是吗是但是你们在112年11月有发布澄清新闻稿上个礼拜还有这样的案子这个外汇局长要不要出来在现场 |
| transcript.whisperx[3].start |
72.051 |
| transcript.whisperx[3].end |
83.365 |
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馬上立刻再說明一次因為央行從來沒有說過我們因為在打仗的方面好像沒有看到央行什麼角色蔡局長你要不要澄清一下 |
| transcript.whisperx[4].start |
86.17 |
| transcript.whisperx[4].end |
95.481 |
| transcript.whisperx[4].text |
委員好事實上我們央行都有對外有做這樣的一個澄清這個在去年發生的時候就有澄清過上個禮拜還有你上個禮拜又詐騙人你知道嗎我們持續都還是會再做這樣的一個澄清因為大概都會打電話到我們這邊來 |
| transcript.whisperx[5].start |
103.491 |
| transcript.whisperx[5].end |
128.722 |
| transcript.whisperx[5].text |
那我们这边都我们相关的同仁都会跟他们做一些解释事实上我们外汇很多人大部分都说那个资金没办法进来是在我们央行这边的管理啊等等的那事实上我们都会跟他解释被央行控管了所以钱没办法动啊什么什么的都有解释那去年也都有发过新闻卡做一些相关的资金国外汇款没有办法汇款是因为外汇局无法放行然后就骗他嘛 |
| transcript.whisperx[6].start |
129.423 |
| transcript.whisperx[6].end |
145.018 |
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通常是來自這個地方總裁表示大家很相信中央銀行所以被冒名不是你們的錯央行要不斷的澄清是 好第二個是現在打仗從打仗的指揮中心看起來 |
| transcript.whisperx[7].start |
145.839 |
| transcript.whisperx[7].end |
171.338 |
| transcript.whisperx[7].text |
央行好像沒有在這個相關的系統裡面有什麼角色對不對對基本上是沒有你們都會協助但是大家相信中央銀行所以你在打詐的上面可能還要再加把勁就是說在我央行的不管是官網或相關的打詐的上面我覺得央行要強調我們不會跟你控制你的外匯有沒有匯出去都跟央行沒有關係那都是銀行端的事好不好我想這個 |
| transcript.whisperx[8].start |
174.641 |
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198.237 |
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總裁幫局長澄清比較有用我們外局來做這件事情就是我們央行沒有人在詐騙尤其姓蔡的更沒有詐騙局長請回我想接下來就是今天大家最關心的就是看到您的報告說要改版新台幣其實我在一上任的時候我就已經質詢過您我還記得很清楚 |
| transcript.whisperx[9].start |
198.717 |
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223.506 |
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那時候是很多的攤販來陳情說五百元的假鈔很多五十塊的假幣很多當時我質詢的時候還問過您說有沒有改版計畫有沒有評估過改版成本您當時回覆跟我說新台幣使用狀況良好幣性良好 偽鈔率很低所以沒有改版計畫一年後的現在突然間有改版計畫這是為什麼 |
| transcript.whisperx[10].start |
225.606 |
| transcript.whisperx[10].end |
251.913 |
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因為一年前你回答我的我問的時候你非常斬釘截鐵我們的在性良好 避性良好 使用狀況良好 偽差率超低那現在有改變嗎我跟委員報告就剛剛也有一個委員就說我在前一年的時候說我們改版我問的時候就被你打回槍所以我就說也許我也忘了 |
| transcript.whisperx[11].start |
253.033 |
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268.372 |
| transcript.whisperx[11].text |
第二个可能就是说我没有很能够掌握我们自己的状况事实上最近我们在要讲改版的时候所以没有我现在要确定没有伪超率增加没有必信 |
| transcript.whisperx[12].start |
269.013 |
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284.516 |
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不佳的狀況對吧就說偽鈔率應該也算是還是不是很高偽鈔還是很低畢竟很良好第二個我們現在在大量的推展電子支付所以我們現在改版的重要性跟急迫性到底是什麼 |
| transcript.whisperx[13].start |
285.237 |
| transcript.whisperx[13].end |
292.146 |
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是 不過就是說你有偽鈔的急迫性還是你有病情不好的急迫性我們這邊列出來很多國家它也是改版它的那個微鈔率也是很低的所以微鈔率低也不是說你改版的必要條件 |
| transcript.whisperx[14].start |
302.92 |
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315.604 |
| transcript.whisperx[14].text |
所以那以后就不要回我那种公文啦好不好重点是刚刚今天听总裁讲话有趣就是我想说那五百元要改版到底是因为梅花路还是因为赖总统 |
| transcript.whisperx[15].start |
318.507 |
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324.55 |
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不 我們改版就是說據我們有一個兩場管理委員會事實上我同仁告訴我我們106年就是那個時候就開始在規劃了所以我說剛剛那個委員在講這個我要做這樣的回答我現在回收我當時的回答你回收你剛剛的話你回收你之前寫的公文因為畢竟我那時候的回答是不對的 |
| transcript.whisperx[16].start |
348.142 |
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359.447 |
| transcript.whisperx[16].text |
現在我要講另外一個就是兩千塊兩百塊的確是使用率流通率很低所以你改版還要繼續發行嗎所以我們說預計這五張但是我們有要去討論一下因為它的使用率真的很低我們會把這個建議我們會類作參考 |
| transcript.whisperx[17].start |
366.95 |
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382.167 |
| transcript.whisperx[17].text |
現在的問題是在於現在各國日本其實也一千塊五千塊一萬塊已經做改版二十年之後做貨幣更新它最大的問題其實不是這個因為日本有非常多的是所謂的點餐機 |
| transcript.whisperx[18].start |
383.748 |
| transcript.whisperx[18].end |
403.679 |
| transcript.whisperx[18].text |
點鈔機ATM還有所謂的停車費其實你知道改版最需要的是做這方面的民間的配合跟跟進你就是說這些不是只有只有你央行一個人掌了算因為大家都要全世界都要跟著你變所以這件事情在日本 |
| transcript.whisperx[19].start |
404.479 |
| transcript.whisperx[19].end |
426.171 |
| transcript.whisperx[19].text |
兩年前就已經做好規劃產業就要開始跟著走包括尺寸包括相關的他們的這些設備在你發行之後他要可以立刻跟得上這才是接下來去改版最隱形的成本所以總裁你大概預計花多少錢總共 |
| transcript.whisperx[20].start |
435.378 |
| transcript.whisperx[20].end |
448.548 |
| transcript.whisperx[20].text |
你去年回答我大概要500億所以你覺得太貴了所以你不要改沒有你500億那個是沒有啦那500億是主要的就是說它大部分的成本是因為是銅板的改版銅板的成本比較高 |
| transcript.whisperx[21].start |
449.028 |
| transcript.whisperx[21].end |
450.37 |
| transcript.whisperx[21].text |
現在我們銅板因為它是小零頭而且慢慢會退出所以我們這一次是不會有所以不用到五百億那要幾百億對 不會五百億就只有那個鈔券而已剛剛委員在講的這個 |
| transcript.whisperx[22].start |
465.166 |
| transcript.whisperx[22].end |
469.908 |
| transcript.whisperx[22].text |
這個就是說調整的就是販賣機什麼的這些我們也有初步的估算好像是16億大概16億分幾年這個是社會成本對社會成本16億那你自己的央行的成本呢 |
| transcript.whisperx[23].start |
487.034 |
| transcript.whisperx[23].end |
496.36 |
| transcript.whisperx[23].text |
就是不用啊不用我們央行的成本就是我們每一張會增加1.5啊1.5所以你要看你發多少好這樣會影響到你央行的預算還有繳庫的金額嗎應該不會啦不會就是你不會少錢繳庫不會減少應該是不會啦就是你可以控制到控制到變成是你基本的成本而已是啦應該是啦 |
| transcript.whisperx[24].start |
513.81 |
| transcript.whisperx[24].end |
531.061 |
| transcript.whisperx[24].text |
我覺得這次兩千塊兩百塊我覺得你要慎重考慮五百塊要怎麼換大家都可以表示意見但是我覺得以後講話就不要這麼斬釘截鐵而且大家在反映說其實五十塊的硬幣很多假幣這種狀況還是要注意跟檢討我覺得這個還是很重要 |
| transcript.whisperx[25].start |
536.664 |
| transcript.whisperx[25].end |
555.207 |
| transcript.whisperx[25].text |
改版是大事而且每一個民眾都會受影響第二個他跟我們推動電子支付的政策其實有一點小衝突啊我們到底是要往電子支付大幅提升還是還要繼續用紙鈔這個可能是一個社會的選擇 |
| transcript.whisperx[26].start |
556.528 |
| transcript.whisperx[26].end |
567.272 |
| transcript.whisperx[26].text |
所以我們現在出國大概基本上像我去一趟美國 去一趟日本我大概沒有用過紙鈔所以總裁你覺得接下去的紙鈔使用量還會增加嗎我想就是說現今它還是可預見的將來它還是電子支付還是沒辦法替代它的沒辦法替代但是不需要到你原來預估的那個量所以我就說嘛所以也就是說它的發行量可能會越來越少嘛 |
| transcript.whisperx[27].start |
586.34 |
| transcript.whisperx[27].end |
613.422 |
| transcript.whisperx[27].text |
那我們改版的那個成本就會越來越少而且政府也是大力推動電子支付而且現在連LiPay都上網連民眾之間的轉帳用LiPay不用手續費它其實使用率非常的高連我們朋友吃飯大家都用LiPay互相傳來傳去我的意思是說你在發行量的時候可能要有個具體的評估而且要讓立法院這邊也都能夠有參與的意見的機會因為我們每天都在接受不管是一般的攤販也好 |
| transcript.whisperx[28].start |
614.423 |
| transcript.whisperx[28].end |
637.449 |
| transcript.whisperx[28].text |
相關的民間他們其實對於這些都非常有意見接下來最後一個小問題希望說總裁我們有關新清安的部分目前現在房地產市場的變化你有辦法直接告訴我現在你的控制方式你接下來會有什麼樣的新的做法 |
| transcript.whisperx[29].start |
638.81 |
| transcript.whisperx[29].end |
652.199 |
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你是說房市房市我們現在還是滾動式的檢討所以沒有因為你的這一波大家在這邊詭教說爛尾樓建商倒閉狀況嚴重嗎我們密切注意市場的發展滾動式的檢討所以這些有發生嗎就是爛尾樓建商倒閉爛尾樓我們也有密切去注意它事實上 |
| transcript.whisperx[30].start |
661.445 |
| transcript.whisperx[30].end |
672.015 |
| transcript.whisperx[30].text |
所以他目前還沒有影響太大也沒有很嚴重的影響銀行的債信對吧所以目前為止不會做任何的調整在你的第七波信用管制應該我們繼續滾動式檢討繼續控制好 謝謝 |