| IVOD_ID |
164872 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/164872 |
| 日期 |
2025-10-30 |
| 會議資料.會議代碼 |
委員會-11-4-20-5 |
| 會議資料.會議代碼:str |
第11屆第4會期財政委員會第5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 |
5 |
| 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5次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-10-30T11:01:17+08:00 |
| 結束時間 |
2025-10-30T11:13:24+08:00 |
| 影片長度 |
00:12:07 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/480bc0daa4347f00ca2407420bc51c2d8220506846d94b49cec708ebf7c68655b75eef7241a86e735ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
王世堅 |
| 委員發言時間 |
11:01:17 - 11:13:24 |
| 會議時間 |
2025-10-30T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第4會期財政委員會第5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、中央銀行、法務部、內政部警政署就「虛擬資產服務法草案及其相關子法修訂暨建立完善監理架構之進程」進行專題報告，並備質詢。） |
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| transcript.whisperx[0].start |
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謝謝主席 我請金管委彭主委好 我們請彭主委 |
| transcript.whisperx[1].start |
9.403 |
| transcript.whisperx[1].end |
34.532 |
| transcript.whisperx[1].text |
委員好這個去年你一上任那時候你就確認了說我們金管會會來訂定我們台灣首部的虛擬資產業管理法這非常的好而且你們確實也做了那也在今年的6月27號就把這個案子那就送到行政院去審查 |
| transcript.whisperx[2].start |
35.912 |
| transcript.whisperx[2].end |
62.776 |
| transcript.whisperx[2].text |
這個案子的內容當然就專法這個內容包括消費者的保護包括市場交易的行為規範包括他們這個資產保管包括消費者的保護這些都非常的好業者的許可條件這些都是專法裡面所訂定這非常好可是從送進去到現在將近四個月了 |
| transcript.whisperx[3].start |
64.138 |
| transcript.whisperx[3].end |
89.612 |
| transcript.whisperx[3].text |
那個主委你們有沒有跟行政院就是溝通一下有是什麼原因現在進度到底為何有碰到什麼困難嗎其實剛剛提到就是我們在其實我們送進去行政院很快就開會開會因為這會試設很多的單位他就提了很多很多的問題叫我們回去再來研商我們再把這個內容又修改提出來 |
| transcript.whisperx[4].start |
90.532 |
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107.752 |
| transcript.whisperx[4].text |
又開了一次會大家就是其實我們都緊鑼密鼓的在進行這個討論有在緊鑼密鼓畢竟是新的東西有跟他們盯這個案子的審查有跟他們盯著就對了那你那個大概會在什麼時候你覺得行政院會合可 |
| transcript.whisperx[5].start |
108.966 |
| transcript.whisperx[5].end |
127.408 |
| transcript.whisperx[5].text |
這個部分如果說就我個人的觀察因為同仁跟我回報就是說現在大家一些有比較重大的爭議的地方其實不多啦都是未來執行上大家細節因為這部法律重點會在未來執法怎麼去做一個比較詳細嚴密的制定當然制定的過程 |
| transcript.whisperx[6].start |
129.239 |
| transcript.whisperx[6].end |
139.427 |
| transcript.whisperx[6].text |
為什麼我們現在要先求有為什麼比方說在這一段時間裡面我們金管有先推VSP法尊聲明有也確實有做登記那也26家業者來登記可是現在26家業者已經有18家18家已經被我們認為就把它除名掉不行它不合格這裡面有3家是嚴重的 |
| transcript.whisperx[7].start |
159.102 |
| transcript.whisperx[7].end |
169.498 |
| transcript.whisperx[7].text |
洗錢詐騙你看像有一家像去年四月這個王牌數位的負責人光他一見就三億四千萬 |
| transcript.whisperx[8].start |
170.683 |
| transcript.whisperx[8].end |
195.732 |
| transcript.whisperx[8].text |
那去年底還有這個必享科技這個詐騙33億之多啦33億之多總共這三件加起來加起來六七十億有六七十億這麼大的金額那所以你們就剔除了這18家所以我認為既然專法要加強內控 |
| transcript.whisperx[9].start |
197.293 |
| transcript.whisperx[9].end |
215.139 |
| transcript.whisperx[9].text |
那加強內控就是說要查核開戶的目的查核開戶人的身份虛擬幣的流向的追蹤等等在這一個部分我們的專法裡面有沒有特別針對這個KYC的部分去做加強監管 |
| transcript.whisperx[10].start |
217.796 |
| transcript.whisperx[10].end |
235.866 |
| transcript.whisperx[10].text |
那我剛才有報告我們的執法我們有特別針對一個內控內積的這個做一個專門執法我想在金融界人都知道我們金融機構的內控內積是一個非常非常重要而且非常非常綿密的一個管理的模式我想我們會這個這部分一定會像委員講我們會來強化 |
| transcript.whisperx[11].start |
237.407 |
| transcript.whisperx[11].end |
264.092 |
| transcript.whisperx[11].text |
還有就剛才講說比如說我們針對那個疑似不法交易詐騙我們會另外一個執法來專門來做這個規範這個虛擬的我們當然該查 該管但是實質的存在我們銀行的款項你看像到現在為止我們國人存在國內銀行有超過60兆台幣那麼這些錢裡面我上回就提過了 |
| transcript.whisperx[12].start |
265.593 |
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272.378 |
| transcript.whisperx[12].text |
我提過就是說針對中央銀行他有頒布一筆針對不動產的部分他認為不動產我們銀行的錢大眾的資金不應該幫建商 |
| transcript.whisperx[13].start |
281.545 |
| transcript.whisperx[13].end |
301.17 |
| transcript.whisperx[13].text |
去炒作土地所以訂啦也就是說你貸款去建商要貸款可以要興建的這OK但是這個貸款過去的金額不能超過18個月都沒有動超過一年半沒有開工那表示說這建商根本買這個土地 |
| transcript.whisperx[14].start |
302.91 |
| transcript.whisperx[14].end |
326.929 |
| transcript.whisperx[14].text |
是去炒地皮的不是這樣嗎那結果我那時候發現說這裡面金額最大的土地銀行最多土地銀行竟然不動產貸款裡面在前年底總共他貸了一兆四千八百零五億出去那到去年三月底 |
| transcript.whisperx[15].start |
328.961 |
| transcript.whisperx[15].end |
348.9 |
| transcript.whisperx[15].text |
18個月沒有動工的從前年的1173億那當時你有要求他們改善那改善的結果他還剩下802億這麼多並沒有實質去要求推動就等於幫助當了草地皮的幫兇 |
| transcript.whisperx[16].start |
350.936 |
| transcript.whisperx[16].end |
376.647 |
| transcript.whisperx[16].text |
等於建商要去炒房價現在房價這麼高漲土地銀行這麼專業的土地銀行竟然做了幫兇同樣的當時的台銀18個月沒有動工的有142億但是人家同樣的15個月以後到去年3月底到今年3月底人家只剩38億 |
| transcript.whisperx[17].start |
378.615 |
| transcript.whisperx[17].end |
397.304 |
| transcript.whisperx[17].text |
等於台銀在你要求了以後他大幅度的去做了改善他要回了7成只剩3成還在繼續追蹤土地銀行剛好相反1173億他只去處理了3成還有高達7成800億啊 |
| transcript.whisperx[18].start |
405.911 |
| transcript.whisperx[18].end |
413.565 |
| transcript.whisperx[18].text |
還在幫建商我搞不懂耶土英這些傢伙在幹什麼他還是土地專業的銀行耶 |
| transcript.whisperx[19].start |
415.794 |
| transcript.whisperx[19].end |
437.763 |
| transcript.whisperx[19].text |
所以我搞不懂這兩家同樣百分之百關股同樣百分之百要受我們金管會不打緊還有財政部這麼嚴密的監管之下結果上有命令他下有對策還繼續在跟這些惡質的建商勾結 |
| transcript.whisperx[20].start |
439.301 |
| transcript.whisperx[20].end |
451.667 |
| transcript.whisperx[20].text |
不可思議耶所以彭主委這一點你是不是要回去趕快交辦多久時間內要土地男給個交代我會回去跟財政部跟央行趕快來言商 |
| transcript.whisperx[21].start |
454.082 |
| transcript.whisperx[21].end |
481.308 |
| transcript.whisperx[21].text |
再跟委員報告一下那因為你跟莊部長財政部莊部長你們也常會碰面嘛那九大公營行庫裡面這九大的董事長總經理都莊部長派的你可以請莊部長協助嘛查一查土地銀行到底在幹什麼這麼明目張膽我們立法委員在立法院公開質詢他啦 |
| transcript.whisperx[22].start |
484.144 |
| transcript.whisperx[22].end |
513.533 |
| transcript.whisperx[22].text |
他文文不動這個是不是要積極辦理好不好那另外我們國內我們37家銀行手續費從過去2461億那增加到3156億他們的獲利增加這個是很好我們不嫉妒這些銀行他們做該做的事應有的收入這是應當但是這麼高的手續費的增加這代表了一件事情 |
| transcript.whisperx[23].start |
514.841 |
| transcript.whisperx[23].end |
543.804 |
| transcript.whisperx[23].text |
就是說不但招攬的風險增加了嘛他去不當招攬很多買賣這種相關的金融商產品所謂的理財呀那讓存款戶去買了這些理財的產品那風險就增加所以我認為我們對這一個部分要加強稽查啦因為在我看到的齁比方說 |
| transcript.whisperx[24].start |
547.629 |
| transcript.whisperx[24].end |
548.853 |
| transcript.whisperx[24].text |
這個這一部分的控管裡面 |
| transcript.whisperx[25].start |
551.038 |
| transcript.whisperx[25].end |
566.684 |
| transcript.whisperx[25].text |
你們說爭議有減少了啦從前年的1390件佔國內銀行爭議案件的38%有降到16.3%這一點我是肯定你們金管會確實有做事有針對這個在監管但是這個減少會不會還有一種情況是他們的話術要變更高明啦更快變啦 |
| transcript.whisperx[26].start |
578.936 |
| transcript.whisperx[26].end |
604.779 |
| transcript.whisperx[26].text |
理財專員憑他三寸不爛之舌把存款戶辛苦血汗錢就這樣又騙過去了騙到一些風險很高的金融產品上面所以這一個部分因為有實際的案例出現實際的案例光是和庫銀行過去我們都知道我們都認為和庫銀行是規規矩矩最老實的銀行之一 |
| transcript.whisperx[27].start |
605.78 |
| transcript.whisperx[27].end |
624.093 |
| transcript.whisperx[27].text |
他本來乖乖齊齊老老實實的但是在金融圈這個大染缸裡面學壞了你們光是你們光是今年你看就抓到他兩屆才發了他八十萬才發的理由他這個幫客戶幫銀行辦理理財講座業務不實 |
| transcript.whisperx[28].start |
631.944 |
| transcript.whisperx[28].end |
656.994 |
| transcript.whisperx[28].text |
還有什麼對保險公司照會涉及異常招標案件沒有建立異常招攬太陽管理機制你看這麼明顯有的案子還是竟然他們說有去辦招攬說明會但是招攬說明會原來是假的 |
| transcript.whisperx[29].start |
659.13 |
| transcript.whisperx[29].end |
681.864 |
| transcript.whisperx[29].text |
只有留下檔案會議記錄根本完全沒有所以我們很多存款人那很多金融消費者在這個部分他們是無辜的嘛因為我們全民存款人365行不一定每個人對理財這個有專業所以都會信任銀行金融機構這些理財專員 |
| transcript.whisperx[30].start |
683.545 |
| transcript.whisperx[30].end |
693.335 |
| transcript.whisperx[30].text |
結果如果這些理財專員自己不懂不答請純粹壞心眼堅守治道的結果就害慘了我們國內所有的 |
| transcript.whisperx[31].start |
695.407 |
| transcript.whisperx[31].end |
712.741 |
| transcript.whisperx[31].text |
這個金融消費者我們可憐的存款人所以這一個部分我認為要加強監管好不好再老實如合作金庫者都會學壞所以這一點我們要謹記在心好不好好 謝謝委員 謝謝好 謝謝王委員接下來我們請葛禄君委員 |