| IVOD_ID |
165240 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/165240 |
| 日期 |
2025-11-12 |
| 會議資料.會議代碼 |
委員會-11-4-20-7 |
| 會議資料.會議代碼:str |
第11屆第4會期財政委員會第7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 |
7 |
| 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7次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-11-12T09:33:06+08:00 |
| 結束時間 |
2025-11-12T09:44:47+08:00 |
| 影片長度 |
00:11:41 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/a35f0de19abcdbe3d4ca7ba22ccbbd8b906ee7c1e9a76e5a4cf7b889f21dc7b7f5ff160f27f5ee205ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
賴士葆 |
| 委員發言時間 |
09:33:06 - 09:44:47 |
| 會議時間 |
2025-11-12T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第4會期財政委員會第7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就「推動普惠金融與金融科技概況及相關措施」進行專題報告，並備質詢。） |
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| transcript.whisperx[0].start |
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謝謝主席即刻先進有請軍公會的彭主委請彭主委委員長 |
| transcript.whisperx[1].start |
21.725 |
| transcript.whisperx[1].end |
45.095 |
| transcript.whisperx[1].text |
我們今天主席拍這個題目其實是很大的題目也拍得很好啦普惠金融讓台灣的每一個民眾都能夠享受到金融的服務不要有這個差別待遇等等的我覺得這個還有Fintech等一下談Fintech可是我比較關心的是這個有關於這個打炸部分最近一個 |
| transcript.whisperx[2].start |
46.755 |
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73.663 |
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這個很熱門的題目啊就太子集團跨國洗清案他在台灣45億新台幣在美國英國140億美元的比特幣這裡面上億的現金交易買不動產幫他買幾棟幾戶的豪宅買汽車特別是超跑動輒千萬 |
| transcript.whisperx[3].start |
76.215 |
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86.2 |
| transcript.whisperx[3].text |
這個都現金交易耶 我們銀行是幹什麼啊銀行對於小老百姓 自己的錢提令10萬 問東問西 羅羅碩碩羅里巴碩一堆 還問 問了十幾分鐘有時候20分鐘 10萬 20萬 問了 喔 大家已經引起民怨了可是對於這個詐欺犯 動輒幾億 |
| transcript.whisperx[4].start |
101.677 |
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122.768 |
| transcript.whisperx[4].text |
幾十億的現金轉賬或者現金這樣提令都沒有關係耶這銀行幹什麼啊你們銀行自己睡覺啊謝謝委員給我這個機會來跟國人說明其實先講這兩個是完全不一樣的一個是剛剛講我們對那個主詐的部分呢那是因為為了保護民眾的財產做的那剛剛講是反洗錢的作為 |
| transcript.whisperx[5].start |
123.809 |
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131.236 |
| transcript.whisperx[5].text |
那我想剛剛委員其實剛剛提到我們都在睡那是媒體在說的你們在睡啊你們在睡啊KYC啊 銀行人都不知道KYC嗎他為什麼幾十億可以從現金帳戶出去 |
| transcript.whisperx[6].start |
136.877 |
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160.229 |
| transcript.whisperx[6].text |
我們其實在10月14號的時候因為收到美國的制裁我們15號就精檢接下來我們也對這個內容也做一些非常細緻的到每一家而且銀行局把每一家涉案銀行都來約尋其實這是一個不是只有台灣發生的問題但是我們要確保銀行是否有的善盡你在整個的反洗錢環節上你們現在到11月16號 |
| transcript.whisperx[7].start |
161.309 |
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180.316 |
| transcript.whisperx[7].text |
才要交報告啊那為什麼這麼久呢不是 在美國我們14號收到這訊息我們馬上凍結這相關的這個帳戶再來我們15號就去經檢說奇怪你這筆金流是怎麼來的你有沒有做大額的通報有沒有去做EDD CDD這些東西都是我們關切的所以依然有犯規 |
| transcript.whisperx[8].start |
182.388 |
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189.071 |
| transcript.whisperx[8].text |
銀行有犯規是不是不是 我們想知道第一件事情我們要解決問題一定要先了解問題這些詐騙犯進出的銀行有沒有違規啦對 這就是我跟委員報告有沒有 你回答我 |
| transcript.whisperx[9].start |
198.314 |
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214.589 |
| transcript.whisperx[9].text |
我實際有信你不要現在我們在了解的重點待會我們可以請我們檢察局局長跟委員做說明其實銀行端其實整個的防範體系不是只有金流而已它也包括資金匯入還有就是我們在這部分這個你避重求輕啊主委啊 |
| transcript.whisperx[10].start |
215.189 |
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240.197 |
| transcript.whisperx[10].text |
不才令人這麼smart對這個重要的問題不是 委員很多在偵辦中的案子我實在不適合在這個公開的場合說明這件事情你也不要洩露銀行的名稱我都沒有但是你對於這些他總是有銀行帳戶啊進出幾十億啊你們掌握沒有當然有掌握請問幾家銀行 幾家銀行告訴我我們總共有十家銀行十家銀行有進出掌握你們處理什麼總共我們可以看得出來他這些不 你做什麼事啊 |
| transcript.whisperx[11].start |
244.915 |
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263.193 |
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銀行局做什麼事啊銀行局第一個我們是兩個部分檢查的話我們檢查局立刻就進駐到各個銀行檢查他每一筆的金流有沒有問題現在初步來看的話有沒有問題初步現在因為我們這個這個部分要仔細的去看這個內容至少他在通報上是沒有問題的 |
| transcript.whisperx[12].start |
265.642 |
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276.408 |
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主要是老百姓聽不頂就聽不頂就不符銀行在反洗錢很重要KYC KYC KYC一定是會做的結果銀行可以讓幾億的資金這樣子如入無人之地這樣子進出老百姓不符啊跟你講啊 |
| transcript.whisperx[13].start |
288.875 |
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303.178 |
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委員這是這樣當我一件事情已經知道它是犯罪你回推的時候當然可以看出來但是我們每天這麼多的外資進來我們自然有一個把關的機制這不是比如說我們有一個 |
| transcript.whisperx[14].start |
304.632 |
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319.025 |
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橋外投審的這個機制一定都有設立公司有一定的機制金流進來我們該做的KYC有做這10家的銀行有沒有問題你告訴我嘛現在初步來看他們在做這個大額通報應該是應該是都符合規定所以都沒有問題不是 |
| transcript.whisperx[15].start |
319.545 |
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345.772 |
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就等於我們在他們配合詐騙等一個競選問題不能這麼說我想說銀行在第一個針對異常交易大額交易他必須做反洗錢的通報接下來他對任何一筆交易他覺得有必要他必須做客戶淨值調查如果認為他有比如說要進一步他會做加強的淨值調查就我們一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一滴一 |
| transcript.whisperx[16].start |
347.192 |
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355.796 |
| transcript.whisperx[16].text |
外界 最少我聽的就是說這世家硬朗他進出了都沒有問題所以他詐騙的經歷他進出都沒有問題怎麼會這樣子呢因為這個問題不是那麼簡單 三月兩日就說他沒有問題我一直都不是那麼簡單啊有沒有問題不是說我們說了算 要看證據說話 |
| transcript.whisperx[17].start |
367.194 |
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372.478 |
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對啦 所以證據就是但是我們知道這是一個確實是一個國際上面的問題我們要來處理它那你就告訴我們你今天的回答就告訴我們金管會對於詐騙集團聚合資金的進出你們沒有皮條 沒有辦法沒有 這個委員會這麼說其實我覺得不是說好啦 不要扯這個了 來不是 我覺得不應該簡化這個問題啦 |
| transcript.whisperx[18].start |
392.373 |
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421.573 |
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我覺得不應該簡化這個問題 實際上這是一個這是我們要面對的問題 要解決的問題要先面對你這個回答我很失望 第二個問題授權是不是明年開始用IVA17結果你因為授權在去年花了3800多億過去十年花了兩兆因為要避嫌因為匯率的變動損失很大 |
| transcript.whisperx[19].start |
423.499 |
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436.293 |
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結果你們去改它的國際規範要公允性透明性結果你們改它開一個後門讓它美化照面委員這完全不是這樣喔讓我講不要急這個很像一個人我有發燒了 |
| transcript.whisperx[20].start |
441.458 |
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459.957 |
| transcript.whisperx[20].text |
我發燒了 我已經38度 結果你說喔 這個你沒有發燒 因為溫度計不對我把它改成 換一個溫度計36度 完全不是這樣你為什麼去改它呢 這我很有自信我研究這個研究十幾年 我非常清楚我質詢是因為 我看到台大的教授 |
| transcript.whisperx[21].start |
460.658 |
| transcript.whisperx[21].end |
468.745 |
| transcript.whisperx[21].text |
看到政大的教授 相關的保險系教授都在罵你啊都在罵你啊政大的李同豪教授罵你罵你很兇啊那你這個東西開放你知名啊罵你罵很兇啊你怎麼可以改國際的準則呢 |
| transcript.whisperx[22].start |
487.902 |
| transcript.whisperx[22].end |
490.645 |
| transcript.whisperx[22].text |
為什麼可以改變台灣的準則你跟國際接軌勒你跟國際接軌勒我跟你講啊 |
| transcript.whisperx[23].start |
505.929 |
| transcript.whisperx[23].end |
525.998 |
| transcript.whisperx[23].text |
當初匯率 急升他有很大的損失但是又回來啦 他貶回來啦現在倒是他 他貶回來所以根本你不要去替他們善後啊他們自己會 市場會善後啊我想委員 這是一個非常專業的問題我知道非常專業啊所以你不要請你去改啊這個不是說這麼簡化的問題 如果這麼簡單的話我們 |
| transcript.whisperx[24].start |
532.521 |
| transcript.whisperx[24].end |
549.853 |
| transcript.whisperx[24].text |
憲法的教授罵你 台大教授也罵你 哎呀實在是不是 台大教授林士明老師也沒有罵我我覺得這是一個可討論的議題不要把它變成是一個 這個是個專業的問題而且這是一個我們為了面對我們整個受審的一個問題我覺得我可以私下我覺得這會後我可以花多少時間我都可以跟委員解釋說明這件事情 |
| transcript.whisperx[25].start |
562.641 |
| transcript.whisperx[25].end |
589.491 |
| transcript.whisperx[25].text |
全世界使用IFR-17來看呢其實坦白講所謂的準則它是principle base沒有一個國家是完全一樣的所以你要改它嗎 你們出來 你要改它沒有 其實IFR-17很多國家根本就不採我想這不是一個國際快遞準則是要根據各種不同的需要來做的所以你是死案的鬼啦絕對不是這樣 委員他這樣的指控如果是這部分我是沒辦法接受啦因為這是個很專業的問題啦 |
| transcript.whisperx[26].start |
591.372 |
| transcript.whisperx[26].end |
604.746 |
| transcript.whisperx[26].text |
全支付 類似結構支付一樣電子支付九月份就達了63億多使用人數呢 675萬結果最近一直有倒刷的問題營養局都沒有對策欸緊要就月程11月17要交報告 為什麼這麼慢啊 |
| transcript.whisperx[27].start |
611.613 |
| transcript.whisperx[27].end |
633.98 |
| transcript.whisperx[27].text |
沒有這是一個我們縱偶的一個標準程序就是說當一件事情他發現縱到偶發的時候呢他要回去調查給我們一個報告一定要完整的報告說我們就有固定的SOP希望他每個禮拜到現在有兩個月啦這是他要交報告但我們過程當中我們全程的就已經去跟他們了解這個狀況我想這個接你過程不是在那邊坐在那邊等好 最後一個小問題時間到了喔 最後一個小問題喔 |
| transcript.whisperx[28].start |
636.241 |
| transcript.whisperx[28].end |
658.676 |
| transcript.whisperx[28].text |
今天的題目有一個題目叫普費一個叫FinTech結果FinTech沒有明天呢FinTech我們最少是希望不要以金融業為主鼓勵科技業創新他可以join做一些金融業務結果你們現在都是要以什麼金融業為主要金融業底下的科技你才給他FinTech當然不是這樣 |
| transcript.whisperx[29].start |
660.157 |
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686.078 |
| transcript.whisperx[29].text |
委員真的不是這樣我覺得就是市場上有兩種區分一個叫FinTech 一個叫TechFin很重要的金融業是特許事業當你一個所謂號稱科技業你想要做到金融業的時候你必須要有個執照這是最困難的一點太保守啦不是我想太保守啦我想委員如果說你注意到我們最近幾年做的內容其實我們在我們台灣既有成文法的架構我們做很大的突破我就最後一句要講完 |
| transcript.whisperx[30].start |
688.203 |
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701.141 |
| transcript.whisperx[30].text |
Fintech是以科技為主不是以銀行為主目前你是以銀行為主這是大錯特錯他是一個如果他涉及到只是技術沒有問題如果涉及到特許事業那當然全世界都是一樣的標準謝謝 |