iVOD / 165278

Field Value
IVOD_ID 165278
IVOD_URL https://ivod.ly.gov.tw/Play/Clip/1M/165278
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 2025-11-12T11:23:05+08:00
結束時間 2025-11-12T11:35:55+08:00
影片長度 00:12:50
支援功能[0] ai-transcript
video_url https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/a35f0de19abcdbe30e4b5bbdc595b01e906ee7c1e9a76e5aa983a90274432617581072cc072802035ea18f28b6918d91.mp4/playlist.m3u8
委員名稱 羅明才
委員發言時間 11:23:05 - 11:35:55
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 9.293
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transcript.whisperx[0].text 主席 各位出列習慣人大家好主席可不可以請彭主委好 請彭主委喂好彭主委 你那個看起來形象不錯那個詐騙也沒 拿你的照片去詐騙
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transcript.whisperx[1].text 現在好像曾經有過但是沒有最近沒有看到那他用你的照片去詐騙他詐了多少錢這我當然不知道我的照片可能沒有什麼吸引力啦現在就是很離譜啊有一些什麼高官行政院長或者是立委也有啊全部這個社會已經改變了隨時他拿到照片然後就詐騙
transcript.whisperx[2].start 62.447
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transcript.whisperx[2].text 現在台灣平均一天 大概詐騙的金額是多少其實起起伏伏啦 就是剛剛委員提到大概我的觀察在這兩億上下兩億 少的時候兩億 有時候多的時候四億這讓人家覺得膽戰心驚現在搞到全民防詐 小心
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transcript.whisperx[3].text 詐騙就在你身邊以前是匪諜嘛小心詐騙就在你身邊那事實上在金管會這個詐騙的這個整個藍圖裡面每一次都有金管會多數啦
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transcript.whisperx[4].text 因為詐騙案例有很多嘛用愛情的方式詐騙有用什麼大概投資就是說你可以賺很多錢投資詐騙或是買股票等等這個還蠻多的聽說佔了七成多啦對就是主要損失來自於投資詐騙那現在就是這個問題變成是國家安全的問題
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transcript.whisperx[5].text 個資到處流竄然後連剛剛你也講主委的照片也到處流竄弄到最後是要信主委還是要信誰都不知道要信誰都會覺得怕怕的我們應該大力的想出一個方法來扭轉這樣的一個壞的環境主委你看每一次經過大概都是金流的問題
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transcript.whisperx[6].text 你知道台積電有多少的寫城市的工程人員這我沒有確切的數字應該很多大概7萬多人現在居然詐騙的人數已經快要直逼我們的護國神山的重要的員工這個說起來真的是相當的諷刺於是金融的這一塊
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transcript.whisperx[7].text 主委有沒有什麼想法剛剛他也提到很多點就是說那你不是加強嚴格的管控那問題很多人就遭池魚之殃啊有些莫名其妙的一些帳戶甚至小朋友開學要一些學雜費領個十幾萬就被銀行刁難啊
transcript.whisperx[8].start 221.687
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transcript.whisperx[8].text 如同剛剛要選台北市的那個王委員他也提到他說有很多銀行就趁機就修理這些小戶修理這些弱勢最好你不要來我銀行趁機把它掃光事實上現在很多民眾去銀行開戶很難開啊
transcript.whisperx[9].start 245.495
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transcript.whisperx[9].text 問東問西甚至你越小戶就是經濟弱勢的這個族群開戶銀行的基本心態就是說你最好不要來
transcript.whisperx[10].start 256.625
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transcript.whisperx[10].text 主委有沒有這樣的一個狀況其實也不是因為其實上我想國際洗錢的趨勢做KYC是特別特別的重視認為新開戶我想最近都知道我們才從上次大概就知道開戶有它一定必要的程序這個大概是我想其實銀行在做這件事情的時候也是非常的兩難
transcript.whisperx[11].start 276.77
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transcript.whisperx[11].text 第一個他本來是營利失業是要去服務客戶完成正常交易但是因為炸團太多的利用他的管道所以在這個如何取得平衡我想說這個主炸打炸我們一定不會鬆手但是方法一定會強力要求他們好好來改善這是全民的共識因為剛剛委員舉到很多的例子這些都是比如說因為這個過程當中這個
transcript.whisperx[12].start 303.009
transcript.whisperx[12].end 330.036
transcript.whisperx[12].text 讓我們的民眾感覺到被干擾被阻礙這部分我們會盡量來想辦法解決這個問題那現在被凍結的帳戶有多少其實凍結的概念就是說剛剛其實我們是沒有做這個統計但是就是說各家銀行自己在因為其實這是各家銀行自主的作為我們只是在希望他們注意他們警示帳戶的管控那各家公司根據他自己的能力來決定他要怎麼作為
transcript.whisperx[13].start 331.451
transcript.whisperx[13].end 347.166
transcript.whisperx[13].text 所以這是很嚴重的問題當然打詐全民一起來支持可是剛剛所提的大概有15萬戶甚至更多的帳戶莫名其妙就被凍結了
transcript.whisperx[14].start 349.963
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transcript.whisperx[14].text 一般的小老百姓如果突然被凍結他可能要繳學費他可能要付那個停車費或者是他需要一筆錢買午餐晚餐給小朋友零用錢或者是他外面欠人家的錢他必須要趕快還結果因為一凍結了以後那怎麼辦
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transcript.whisperx[15].text 求助無門最後這些小額需求的這些人他可能轉而走向地下錢莊我想這是我們再三的請銀行主委你知道現在地下錢莊是誰在管就是地下就是他就沒有被納管才叫地下所以你管不到嘛
transcript.whisperx[16].start 404.198
transcript.whisperx[16].end 416.269
transcript.whisperx[16].text 所以一個你管不到的地方and另外的租賃公司在外面到處到處在找生意主委生意好了不得了他就說你有沒有缺錢10萬以下免審核一通電話他大概看可以馬上就帶給你
transcript.whisperx[17].start 429.298
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transcript.whisperx[17].text 一班的阿嬤啦 十班的阿嬤啦有些連學生都去借啊借了就陷入那個悲慘的循環主委你知道地下錢莊啊它的年利率多少其實它是算天的啦年利率多少 大概你有沒有這個概念這個請委員 這個理系%有啦36%也有啦有的超過50%啊
transcript.whisperx[18].start 460.578
transcript.whisperx[18].end 484.329
transcript.whisperx[18].text 我看到一個悲慘的案例就是不到一個月借不到一百萬結果一個多月他必須已經還了一百多萬事情才解決他拿多少 他拿八十幾萬而已還了大概一百塊五十萬所以這個地下錢莊的事你管不管
transcript.whisperx[19].start 486.187
transcript.whisperx[19].end 514.46
transcript.whisperx[19].text 其實確實我們現在主管是金融機構這些部分是因為可能現在的話它如果登記為一般公司那確實不是我們金管會的管轄機關那就變成是你本來以前可能這個銀行的放款業務銀行的帳戶使用非常的方便現在因為你急劇的凍結嚴格的審查很多帳戶不能用
transcript.whisperx[20].start 515.694
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transcript.whisperx[20].text 他這些小戶不能用他只要轉向地下去了對啊 這也是我們過去一直在講說我們假設真的要針對所謂的民間帶放行為做廣泛式的納管必須要慎重的知道它的影響評估我想這也是剛剛文岳點到一個重點有時候比如說納管
transcript.whisperx[21].start 537.872
transcript.whisperx[21].end 555.707
transcript.whisperx[21].text 確實是一件好事嗎不一定啦但就是說我們要看他影響要來看判斷因為畢竟市場即便你納管以後他可能更借不到這樣的一個錢那我想地下錢莊他可能有其他的法律比如他違反了重力這些東西其實還是有其他的法律可以約束他
transcript.whisperx[22].start 557.341
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transcript.whisperx[22].text 所以現在那個租賃公司你全部都可以管嗎我們現在的話9月15號開始我們是針對我們的幾家上市櫃公司及周邊的這是第一階段第二階段很快的會針對金融機構這個相關十幾家也會納管我們在應該未來很快的會把所有我們整個租賃公會下面的會員公司把它納管
transcript.whisperx[23].start 578.826
transcript.whisperx[23].end 601.567
transcript.whisperx[23].text 第二階段納管的家宿大概有幾家就是你所說的金融機構周邊他們都有轉投資大概十三四家左右十三四家哪十四家這我可能一下子沒辦法回答委員就是很多金庫跟銀行轉投資的表面是一個正正堂堂的銀行家很正常的金融機構
transcript.whisperx[24].start 602.708
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transcript.whisperx[24].text 可是他是掛羊頭賣狗肉表面都說正規真正借不到錢的時候他另外跟你講說你去找租賃公司講難聽一點這些租賃公司它利率收多少8%服務稅加一加十幾%
transcript.whisperx[25].start 622.401
transcript.whisperx[25].end 645.123
transcript.whisperx[25].text 它等於是上下其手表面是開銀行但是把一些中間的客戶群或者下層的客戶群把它安排到它自己可以控制的租賃公司然後來吸乾 榨乾 抹淨這些小企業或是比較弱勢的企業
transcript.whisperx[26].start 647.458
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transcript.whisperx[26].text 主委你知道這件事嗎我想社會很多的樣態啦那我們按照我們現在既定的步驟我們會逐步來納管這些民眾如果遇到這樣的委屈可以跟金管會誰來伸出
transcript.whisperx[27].start 660.751
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transcript.whisperx[27].text 如果是我們現在納管的這個可以跟我們的平益中心可以跟我們來申訴是找董局長嗎我們銀行局跟平益中心銀行局也可以 平益中心都可以另外剛講的那個凍結戶造成很多民眾的不方便20萬戶然後大家覺得很奇怪這是我們民眾的財產你說凍結就凍結可是有多少的是冤枉戶啊
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transcript.whisperx[28].text 這也是我們去年打造專法通過以後希望銀行來做這件事情我想這部分我們會手法上面我們一定會強力要求他們要精進減少誤判銀行為刀鼠 小老百姓為魚肉主委 你能不能有一個單一窗口萬一被凍結 你查嘛你凍結 你有懷疑的趕快查
transcript.whisperx[29].start 714.494
transcript.whisperx[29].end 732.7
transcript.whisperx[29].text 你不是啊 你要一次凍結五天 十天 半個月 一個月民眾也不曉得到底發生什麼事請問要找哪一個申訴單位真的如果說委員如果發言有比較不當的個案提供給我但是我們會要求每家銀行要成立專線24小時服務這件事情
transcript.whisperx[30].start 734.341
transcript.whisperx[30].end 752.808
transcript.whisperx[30].text 那一般凍結給人家凍結幾天沒有那個要看情況正常來講如果警示賬戶的話是要由檢警調來解控那時間不知道但是一般假設是銀行自我管控的部分他可以只要是他了解他可以應該可以馬上就做到所以你這個做要做你也請銀行單位
transcript.whisperx[31].start 754.75
transcript.whisperx[31].end 767.686
transcript.whisperx[31].text 不要拿著雞毛當令箭然後傷及無辜那當然當然但是我們也希望說打造真正全民的共識那我們也背負很大很大的這樣的一個這個責任我們會努力來做謝謝