| IVOD_ID |
165225 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/165225 |
| 日期 |
2025-11-11 |
| 會議資料.會議代碼 |
院會-11-4-8 |
| 會議資料.會議代碼:str |
第11屆第4會期第8次會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
4 |
| 會議資料.會次 |
8 |
| 會議資料.種類 |
院會 |
| 會議資料.標題 |
第11屆第4會期第8次會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-11-11T15:02:36+08:00 |
| 結束時間 |
2025-11-11T15:17:59+08:00 |
| 影片長度 |
00:15:23 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/2170dced164337aaffe8edcc7bc16df385e1af54c489cd62f4f6bdef64fc7eb258fff7e47292a95a5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
黃珊珊 |
| 委員發言時間 |
15:02:36 - 15:17:59 |
| 會議時間 |
2025-11-11T09:00:00+08:00 |
| 會議名稱 |
第11屆第4會期第8次會議（事由：一、同意權之行使事項：本院交通、教育及文化兩委員會報告審查行政院函送國家通訊傳播委員會委員提名名單，蔣榮先為委員並為主任委員，程明修為委員並為副主任委員，黃葳威及羅慧雯均為委員，請同意案。（11月7日上午報告事項後）二、對行政院院長施政報告繼續質詢。（11月7日下午及11日）三、11月7日上午9時至10時為國是論壇時間。） |
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謝謝院長請卓院長麻煩再請卓院長備詢黃委員好院長好我想最近在臺灣我們都看到了一些非常大的新聞尤其是在金融界最大的新聞大概就是泰吉斯集團在臺灣的資產被查封 |
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這一個案例我們以為詐騙集團離我們很遠最近在Netflix上面有一齣戲叫做回魂記我不知道院長有沒有看過有有他的女兒被詐騙集團又拐去受虐致死兩個傷心的母親我們以為他離我們很遠原來他們就在眼前 |
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而這個集團從2018、2019年就進到台灣了而且現在是美國政府用制裁的方式通報了台灣的檢方做出查封的動作台灣已經變成詐騙集團的後花園台灣已經成為他們隱藏資產的最佳的場地今天我們一直在打詐打到現在 |
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109.23 |
| transcript.whisperx[3].text |
感覺是越打越炸而且這些人肆無忌憚把台灣的法規還有相關的漏洞全部摸得一清二楚院長您進來之後第一個案子就是打炸專法你覺得這個專法現在有沒有一些功效還是看到這樣的跨國集團我們還有什麼方法可以做 |
| transcript.whisperx[4].start |
110.123 |
| transcript.whisperx[4].end |
123.916 |
| transcript.whisperx[4].text |
新的打詐釋法是有產生功效但這個功效我跟委員跟國人不會滿意的因為還是發生了很多案子但是我們的趨勢上財損數跟案件數是有下降沒有錯 |
| transcript.whisperx[5].start |
125.177 |
| transcript.whisperx[5].end |
146.588 |
| transcript.whisperx[5].text |
但是我們現在打招呼院長我今天要講的是你最近有發現因為我們的銀行很認真修法通過非常認真做了很多AI的管理所以很多小市民的帳戶平常沒人理他突然間他可能跟朋友去買個東西互相轉了個帳就被警示了 |
| transcript.whisperx[6].start |
147.168 |
| transcript.whisperx[6].end |
175.07 |
| transcript.whisperx[6].text |
這才是問題我今天要講的是那些詐騙集團幾百億幾千億上這邊騙人的然後在我們這邊買了幾十億的資產沒人管一個小小的市民他可能只是跟朋友check一下分個賬戶最近就被銀行把他的賬戶給凍結了這才是我今天的問題就是有關知識我知道你有很多話要說怎麼回事這麼大的不做這麼小的每天管這些要幹嘛 |
| transcript.whisperx[7].start |
175.49 |
| transcript.whisperx[7].end |
178.254 |
| transcript.whisperx[7].text |
我贊成要列管但是我要講的是我們要做的是大的要好好管 |
| transcript.whisperx[8].start |
192.591 |
| transcript.whisperx[8].end |
222.211 |
| transcript.whisperx[8].text |
所以我今天要看的是喔你看小視頻的賬戶嚴格檢視勿鎖的烏龍非常多院長最近主委有在處理啦但是詐騙集團這個案子從他進來台灣到銀行我相信他在101還開了公司這個101在去年年底的時候我有質詢過他們必須要對成豬人進行相關的身家調查這件事情有沒有做 |
| transcript.whisperx[9].start |
223.772 |
| transcript.whisperx[9].end |
250.012 |
| transcript.whisperx[9].text |
他們顯然沒有做101有回覆我我們還有開選商會議我們還有調查董監事資格我們才讓他進駐院長101是國家的門面101有公股的代表101的董事長是我們官派的透過這個例子我想我應該要要求101對內控管理上面對於成豬人必須進一步的了解 |
| transcript.whisperx[10].start |
250.912 |
| transcript.whisperx[10].end |
277.837 |
| transcript.whisperx[10].text |
這個案子在我十幾年前當律師的時候就有人用著101的陳豬然後到處騙詐騙所以去年年底我提出質詢要求他們對於陳豬人要有一定的篩選尤其是詐騙集團用101的門面來詐騙所謂的投資人看到101公司在101一定沒問題這個要求是應該的因為101是國家的門面不能讓他變成詐騙 |
| transcript.whisperx[11].start |
279.278 |
| transcript.whisperx[11].end |
306.058 |
| transcript.whisperx[11].text |
太子集團運用了我們的新南向政策他們的所有人都是拿著柬埔寨的護照進進出出如入無人之境現在這種外商這種資歷如果主委你們拿出查小市民的那種AI精神現在這些很奇怪的怪怪的是不是應該KYC EDD再來做一次全面清查尤其是對柬埔寨 |
| transcript.whisperx[12].start |
307.887 |
| transcript.whisperx[12].end |
332.904 |
| transcript.whisperx[12].text |
其實我們對於現在剛才講說他在這邊我講尤其是對柬埔寨如果有這些所謂的境外公司來有這些境外的人來在我們的銀行體系當中你做個關懷吧做個清查吧我想委員他們進來很多細節沒辦法這邊說明其他這邊開戶還有這些往來並不是像我們現在已經這個案件已經揭露那麼明顯我可以理解因為那個年代沒有這些規範 |
| transcript.whisperx[13].start |
334.065 |
| transcript.whisperx[13].end |
363.221 |
| transcript.whisperx[13].text |
我現在要說的是因為知道了所以我們現在往回頭去關懷我現在已經針對所有的金流整個做詳細的去查核院長我要說的是小市民都這樣查啦這個也認真查一下我們會一樣認真的查好不好我覺得這個部分從現在開始用這個案例來回推2019 2018新南鄉開始進來的多拿亞公司我們可能在銀行端要有一些動作不管如何 |
| transcript.whisperx[14].start |
363.968 |
| transcript.whisperx[14].end |
388.828 |
| transcript.whisperx[14].text |
我覺得不能再錯放了下一關是說為什麼這一次美國用這樣的方式因為他們是用行政上面用制裁的方式然後要求我們的檢調來配合對吧 各位是對我們跟我不禁想到的是院長我們想一想如果今天台灣發生了同樣的事情我們能不能得到國際社會這樣的協助 |
| transcript.whisperx[15].start |
391.963 |
| transcript.whisperx[15].end |
402.158 |
| transcript.whisperx[15].text |
我們能不能幫我們的民眾追回這些錢目前你有沒有這樣的機制你可不可以發一個文美國政府就幫你扣他在美國的財產目前有嗎 |
| transcript.whisperx[16].start |
403.783 |
| transcript.whisperx[16].end |
429.153 |
| transcript.whisperx[16].text |
我們要建立這樣的管道 目前我看是要這是我 我們在去年我們在提出所謂打大專法的時候當時我們其實我們民眾黨提的案我們在洗錢防治法裡面我們希望能夠成立類似金融制裁專案辦公室也就是類似像恐怖分子反恐的這些動作因為行政的動作會比司法的動作快 |
| transcript.whisperx[17].start |
430.151 |
| transcript.whisperx[17].end |
451.469 |
| transcript.whisperx[17].text |
而且如果他已經影響到現在是一種跨國性的企業化經營的大型的洗錢詐騙他其實需要政府更快速的金融制裁就比同美國他用國愛國者法案或者是相關的規範他們財政部就直接可以做行政制裁這是我上次在 |
| transcript.whisperx[18].start |
452.13 |
| transcript.whisperx[18].end |
478.918 |
| transcript.whisperx[18].text |
提案的時候有提出來但是你看看我們的法務部怎麼說沒有必要不符比例原則所以我們沒有辦法處理所以我們不需要快速金融制裁院長從這個案例我希望你們開始重新思考台灣在這樣的情況下我們有沒有能力去處理跨國大型公司企業化運作的詐騙行為如果可以我們是不是在法律上面應該慢慢的怎麼樣去建置這樣的機制 |
| transcript.whisperx[19].start |
481.042 |
| transcript.whisperx[19].end |
498.097 |
| transcript.whisperx[19].text |
我不希望行政院的回答是沒有必要在依法有據的前提底下能夠加強行政的作為加強對這些詐欺集團進一步的用快速的來制裁的話那我願意往這個方向請法務部單位能夠重新思考這個方向沒錯 至少往前走 |
| transcript.whisperx[20].start |
498.797 |
| transcript.whisperx[20].end |
517.498 |
| transcript.whisperx[20].text |
如果我們重新想過如果我們今天這些事情發生在台灣我們明知道那邊有財產我們要去查封它我們本身的外交行為本來就很辛苦了那我們自己又不積極 不努力那人家為什麼要幫我們封一樣的意思嘛 好嗎 |
| transcript.whisperx[21].start |
518.653 |
| transcript.whisperx[21].end |
541.323 |
| transcript.whisperx[21].text |
現在高檢署應該有一個跨部會的小組來研議這樣的方向那我會請他來也重視委員所提的建議的內容如果我們可以快速的制裁我們可以快速的動作這些跨國性的大型的企業他們已經是企業化已經不是你用我們的洗錢房子個人帳戶在那邊封的那種方法了好嗎 |
| transcript.whisperx[22].start |
542.987 |
| transcript.whisperx[22].end |
565.822 |
| transcript.whisperx[22].text |
接下來我要問的是接下來我們大家最關心的就是普發現金其實政府的職責最近大家在討論的是怎麼領我們覺得台灣人最悲哀的是我們只要一個目標叫做不要被騙就好院長這樣聽起來難過了台灣人發現金不是寬天洗地都在想說怎麼樣不要被騙 |
| transcript.whisperx[23].start |
567.25 |
| transcript.whisperx[23].end |
588.961 |
| transcript.whisperx[23].text |
政府的職責只有一個確保錢不會被騙走所以院長您今年九月說希望留給國家做更有意義的用途不用領或者是你說要希望大家去旅遊還要多吃台灣豬肉那今天大家都開始領了您覺得應該您的立場還一樣嗎我覺得如果能夠在這個時候 |
| transcript.whisperx[24].start |
590.598 |
| transcript.whisperx[24].end |
618.249 |
| transcript.whisperx[24].text |
也用於國內的旅遊或是多幫助豬農在此時此刻在國內消費啦盡量去協助大家過得讓你有需要的剛需也好或者是特別的消費去增加國內經濟的熱絡在此刻是需要的而且是對但是這是大家吵最兇的就是說我們還是讓13歲以上的孩子他進到自己的帳戶嘛這我沒有什麼意見啦但是我要講的也是今天我非常重視的 |
| transcript.whisperx[25].start |
619.309 |
| transcript.whisperx[25].end |
639.042 |
| transcript.whisperx[25].text |
我們趁著金融自主我們希望孩子們能夠有自己的金融觀念但是我比較擔心的是我們對於我們的所有的孩子其實我們從小到大沒有教過他怎麼領財沒有教過他怎麼投資所以我們沒有金融素養的情況下你給他錢 |
| transcript.whisperx[26].start |
641.087 |
| transcript.whisperx[26].end |
656.803 |
| transcript.whisperx[26].text |
不趁這個機會做機會教育是很可惜的您看一下這個數字83%的孩子有自己的帳戶但是65%對於金融服務沒信心45%他每個月是超支的也就是他錢不夠23%有被詐騙過甚至18%曾經受損過幾百塊到幾十塊 |
| transcript.whisperx[27].start |
663.598 |
| transcript.whisperx[27].end |
682.278 |
| transcript.whisperx[27].text |
我的孩子也被騙過現在的孩子沒有被騙過的不多了第一網路購物太多第二你上去買東西然後就寄來一瓶寶特瓶就沒了這種事情很多我們當成是機會教育但是我要講的是院長如果學校沒有教你教孩子怎麼學 |
| transcript.whisperx[28].start |
683.693 |
| transcript.whisperx[28].end |
702.251 |
| transcript.whisperx[28].text |
所以我主張我們對於比方AI的知識跟理財的知識應該把它受教育的年齡層往下降放在學校裡面往下降第二個你知道學校沒教的事情現在孩子怎麼學的嗎93%是社群媒體社群媒體是他們學金融財經的唯一的管道93% |
| transcript.whisperx[29].start |
704.093 |
| transcript.whisperx[29].end |
730.433 |
| transcript.whisperx[29].text |
因為他爸爸媽媽都不懂啊那很難保證他得到的是正確的知識是 所以怎麼樣我一直跟彭主委說金融素養要進到學校甚至要從小開始學知道投資沒有人什麼十幾% 二十幾%的啦十幾% 二十幾%你還相信然後還把你身家全部拿去賠給了之後還去拿房子去抵押貸款的長輩一大堆 |
| transcript.whisperx[30].start |
731.953 |
| transcript.whisperx[30].end |
751.048 |
| transcript.whisperx[30].text |
我們應該建立青年人他正確的理想觀念所以金融素養我覺得如果你是AI內閣你這個要把它放在最基本的台灣的投資詐騙這麼興盛不是沒有道理因為台灣人善良台灣人相信朋友台灣人只要有投資會賺錢聽到股票的代號就去買了 |
| transcript.whisperx[31].start |
752.179 |
| transcript.whisperx[31].end |
777.532 |
| transcript.whisperx[31].text |
然後自己都不研究也不知道為什麼我覺得這才是我擔心的所以今天的問題是兒童青少年被詐騙的人數已經到一個非常高的數字了從17歲以下就有3000多人23歲以下將近25000人也就是說我們的兒童青少年被詐騙的被害人是逐年上升的他們相信的大部分在社群媒體上 |
| transcript.whisperx[32].start |
778.3 |
| transcript.whisperx[32].end |
796.999 |
| transcript.whisperx[32].text |
上一次我們公共銀行全面抵制非實名制的社群平台不在上面上廣告我覺得這件事情很棒但是我想問一下主委這個成果怎麼樣我們叫他下架不登他的廣告現在的效果怎麼樣 |
| transcript.whisperx[33].start |
797.813 |
| transcript.whisperx[33].end |
823.401 |
| transcript.whisperx[33].text |
主要是我們還是希望透過一個比較完整的金融基礎教育這也是我們一直在努力其實我們不管走入社區走入校園我們一樣啦我們有這麼多銀行有這麼多可以教育的他們有這麼多的資源怎麼樣協助我們的學校協助金管會協助教育部把這個部分下放到學校去不要透過這些社群媒體 |
| transcript.whisperx[34].start |
824.822 |
| transcript.whisperx[34].end |
841.723 |
| transcript.whisperx[34].text |
下廣告他們在那邊幹嘛主要他們還是一樣這個社群媒體有它一定的穿透力但是我們也是持續的透過我們的金融機構還有就是我們所有金融市場的力量跟學校社區來合作做這件事情還是持續在做最後這個我希望院長這應該成為你的重要政策 |
| transcript.whisperx[35].start |
842.918 |
| transcript.whisperx[35].end |
859.825 |
| transcript.whisperx[35].text |
既然我們的年輕人是我們的未來現在的問題是他剛講是被害人現在我們的少年詐欺犯成長率是年增率80%你看這個數字青少年詐欺犯罪從1000多人12歲到17歲變2900人然後18到23歲從6000多人變14000人他是 |
| transcript.whisperx[36].start |
866.653 |
| transcript.whisperx[36].end |
895.133 |
| transcript.whisperx[36].text |
倍數的成長 每一年變成共犯的青少年是倍數的成長他不是只有沒有金融素養他甚至成為渣妻的共犯現在這個孩子才是最大的問題而且很多人是拿著他的帳戶去當人頭戶院長我只要求一個現在長輩的帳戶我們可以給他警示你有動作的時候要通知家屬一樣青少年的帳戶是不是應該做同樣的處理 |
| transcript.whisperx[37].start |
895.643 |
| transcript.whisperx[37].end |
920.766 |
| transcript.whisperx[37].text |
好的 謝謝文文我會請現在行政院即將進一步強化的打詐指揮中心還有林彬新政委所主持的這個打詐業務重視這個數字也分析他的內容我們來針對問題做出解決的方法這個數字我問金管會他跟我說他沒有統計院長沒有統計就不會有統治我希望統計很重要分析很重要好嗎 謝謝謝謝 |