| IVOD_ID |
165313 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/165313 |
| 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 |
2025-11-12T12:14:02+08:00 |
| 結束時間 |
2025-11-12T12:24:57+08:00 |
| 影片長度 |
00:10:55 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/a35f0de19abcdbe3aa7bd100e564d67e906ee7c1e9a76e5acc7208a858208f5c3e3ed5aee600c39c5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
黃珊珊 |
| 委員發言時間 |
12:14:02 - 12:24:57 |
| 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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我們請黃珊珊委員謝謝主席謝謝主席我請彭主委請彭主委委員好 |
| transcript.whisperx[1].start |
18.806 |
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主委長我想大家委員剛剛幾位都問的一樣的問題這在我去年就已經問過了告戒戶的問題是程序問題現在已經變成社會問題這個內容對是這個本來是一個法令上的程序問題現在是社會問題而且還蠻嚴重的所以再不解決只會越來越嚴重所以法務部也做出說明了他可以因為過去是過了那個申訴期他沒有去申訴現在是可以的 |
| transcript.whisperx[2].start |
44.406 |
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61.034 |
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再開一個門讓他們去申訴不然法院不起訴等於廢止這第一點第二點就是剛剛看到的就是我們現在的金融機構非常主動所以造成了也非常多的民怨這也是我們處理過也希望 |
| transcript.whisperx[3].start |
61.954 |
| transcript.whisperx[3].end |
78.417 |
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不要像我昨天總質詢的時候說我們的政府我們的銀行只抓小像那種跨國企業的詐騙集團抓不到然後民眾的小小的賬戶每天被找麻煩我覺得這個不能再發生這個守法的優化我們一定會 |
| transcript.whisperx[4].start |
79.622 |
| transcript.whisperx[4].end |
106.058 |
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手法要做到有用的啦這種沒用的事情別做這個絕對是我們大家共通的目標啦是 一個年輕人他們自己吃飯轉個帳然後現在被查那個大的詐騙集團每天在那邊洗這麼多的錢查都查不到這個相對波動感實在太重了確實他的 他這個如果做得不精準但是如果反過來講確實也有一部分真的被他攔到了這當然就是說 |
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106.758 |
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127.076 |
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但是我們希望能夠抓到正確的但是也不要造成干擾第二個當然不希望錯放但是這麼大的被錯放的已經不是新聞了他變成是就在眼前今天我要問的是主委我們在去年520上任院長上任我當時質詢的時候有跟 |
| transcript.whisperx[6].start |
130.1 |
| transcript.whisperx[6].end |
153.304 |
| transcript.whisperx[6].text |
卓院長幫我們的金融創新希望能夠爭取比照環境部比照其他的部門要求國發基金給我們百億資金來做所謂的新創投資院長答應了也做了計畫你們也開過會了一年了請問有什麼進度嗎目前狀況看起來還是連樓梯想都沒有啊 |
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155.053 |
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165.191 |
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對 我剛剛報告裡面有提到就是說第一個當然是這個簽照我們現在是先由金融科技發展聯盟先開始一年多 一年半 |
| transcript.whisperx[8].start |
167.045 |
| transcript.whisperx[8].end |
183.73 |
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為什麼連樓梯想都沒有其實我們現在剛才那個報告裡有提到我們是先由我們業者自主性的來成立一個這就是我的問題你們要業者自主性的然後找了一家金控來金控之間是競爭的他處理我就不會處理 |
| transcript.whisperx[9].start |
185.69 |
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207.198 |
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他主導我就不會參加啦這是一個最大的問題是今天的新創我們希望他能夠成為台灣的獨角獸結果你讓業者自己去處理那業者都有私心業者都有各自的利益條件最重要的是他不相關的你找誰我沒有意見 |
| transcript.whisperx[10].start |
208.098 |
| transcript.whisperx[10].end |
222.476 |
| transcript.whisperx[10].text |
但是你的標準出來了沒你有相關的輔導辦法出來了沒相關的細節出來了沒資格出來了沒完全沒有耶連基本的SOP都沒有我是金融創新業者我想要跟誰申請我不知道耶 |
| transcript.whisperx[11].start |
223.951 |
| transcript.whisperx[11].end |
237.764 |
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對 一百億擺在那邊沒有人理我耶沒有 其實委員不是這樣了啦至少沒有人理我啊我們爭取了一百億 院長也給你了國發會說只要今晚會來我就給啊今晚會來了沒 沒 |
| transcript.whisperx[12].start |
240.478 |
| transcript.whisperx[12].end |
256.147 |
| transcript.whisperx[12].text |
委員我們是在想用什麼方式來你想了一年半了其實也不是我們毫無作為我剛才講過就是我們現在的話因為先針對你現在是要外包嗎整個什麼東西都外包算了乾脆什麼事都不要做也不是這麼說我想剛才講說其實我們是個監理單位如果真的來掌管 |
| transcript.whisperx[13].start |
260.389 |
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279.516 |
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這個基金的話我們也在想說用什麼架構你要外包我們意見公開招標大家願意來幫忙的幫忙而不是找到一家我想幫忙然後就給你做然後你愛做不做委員一定要相信就是說我們當然希望有這筆的基金來支持我們的基種科技的發展這個郝委員非常感謝委員我想上次您提到我也是非常感謝 |
| transcript.whisperx[14].start |
280.836 |
| transcript.whisperx[14].end |
303.035 |
| transcript.whisperx[14].text |
但是就是說這個東西要怎麼來運作的話有沒有這部分我們會想一個我覺得你就直接找相關的國發基金也好他們都有相關的投資的經驗他們的方式甚至我在台北市的時候我們也曾經在台北市我們想成立自己的創投基金當時的機制都已經想好了架構都想好了找專業的單位來做篩選 |
| transcript.whisperx[15].start |
305.997 |
| transcript.whisperx[15].end |
325.917 |
| transcript.whisperx[15].text |
相關的所謂新創他們的提案由他們來做專業的評估然後做專業的投資然後民間再入資但是絕不會交給一家業者你現在的做法是交給一家業者嗎也不是那什麼時候要開始有一些方法讓我們知道一下至少給我們回報一下吧一年半了 |
| transcript.whisperx[16].start |
327.258 |
| transcript.whisperx[16].end |
346.887 |
| transcript.whisperx[16].text |
百億基金放在那邊不去好好發展我覺得很可惜啊主委那百億基金是一個未來的期待啦我想說現在政府的財政也不是說我們現在假設我們業界能夠先有自發性這也不用一個成立一個單獨的組織來管這個基金你知道新創業者只要有機會他們都會希望來申請現在連申請的機會都沒有 |
| transcript.whisperx[17].start |
349.188 |
| transcript.whisperx[17].end |
373.149 |
| transcript.whisperx[17].text |
其實也不見得要跟金管會來申請其實國發會那邊也有一個新創綻放計畫但是你金管會我們有特別為了金融新創金融科技專門希望能夠撥百億基金這百億基金是院長承諾的這也是中華民國你們所謂的重大政策尤其是接下去我們要金融跟國際接軌我們還要做亞洲資產中心不是嗎 |
| transcript.whisperx[18].start |
375.05 |
| transcript.whisperx[18].end |
391.244 |
| transcript.whisperx[18].text |
主委 我只問沒有時間了現在什麼時候要給我們一個初步的方法你的方法出來了沒有一年了 一年半了我到現在沒有看到答案也沒有任何進度然後連最基本的SOP都沒有 |
| transcript.whisperx[19].start |
392.936 |
| transcript.whisperx[19].end |
416.306 |
| transcript.whisperx[19].text |
什麼時候要有 現在11月了11月底 12月底可以給我們一個答案嗎可以這個方法讓業者知道你可以來申請你可以來有這個機會有什麼樣的新創技術我們可以有什麼樣的機會讓你有機會做這樣的投資年底之前我把剛才講那個概念怎麼結合我們業者這個基金不要再是概念了 它應該要落地了 |
| transcript.whisperx[20].start |
417.006 |
| transcript.whisperx[20].end |
424.027 |
| transcript.whisperx[20].text |
一年半了總該有個具體的計畫國發基金有很多的經驗我不知道為什麼金管會要擺這麼久 |
| transcript.whisperx[21].start |
425.359 |
| transcript.whisperx[21].end |
445.915 |
| transcript.whisperx[21].text |
因為他是國發基金我們是金管會所以金管會你是主管業務你就是把你們的方法把他們找到想投資的人我金管會怎麼輔導你們訂出標準作業流程我想我們的方向是一致的方法的部分我想年底之前我提出一個計畫跟大院報告 |
| transcript.whisperx[22].start |
449.378 |
| transcript.whisperx[22].end |
467.369 |
| transcript.whisperx[22].text |
針對國發基金這筆錢我們有什麼計畫不要再是變成你們業者拿去辦一辦你們自己想辦法我覺得這樣子的情況有點不負責任第二個部分接下去我們昨天有講一萬塊要發了金管會也一直說我們要最重要的是要引領所謂的 |
| transcript.whisperx[23].start |
469.143 |
| transcript.whisperx[23].end |
493.558 |
| transcript.whisperx[23].text |
正確的使用然後我昨天問了年輕人從小到大其實沒有學過真正的金融素養然後金管會說你們一直都在做金融素養教育包括金融普及工作第七期推動計畫我想問一下主委已經都七期了你覺得我們的金融素養金融知識普及成效怎麼樣 |
| transcript.whisperx[24].start |
494.558 |
| transcript.whisperx[24].end |
512.671 |
| transcript.whisperx[24].text |
確實我們在開會的時候我們內部也在提到說過去我們這些推動工作偏向於實體的這樣的一個宣導到現在為止就是辦宣導推播影片然後KPI是辦了幾場活動還有學員滿意度還有學員的反饋這個是你們的KPI嗎 |
| transcript.whisperx[25].start |
519.181 |
| transcript.whisperx[25].end |
546.058 |
| transcript.whisperx[25].text |
確實因為這是很容易量化比如場次跟人數所以沒有實際的成效沒有 那個成效的話要由數字來說話如果可能的話我是覺得我們有教育部我們有非常多的民間的團體我們有非常多的金控他們也都在做金融素養教育也希望這些事情可以整合起來進入到中小學生他們的生活日常 |
| transcript.whisperx[26].start |
547.019 |
| transcript.whisperx[26].end |
548.443 |
| transcript.whisperx[26].text |
現在的問題是 我們現在發一萬塊給他 我們很怕他領走因為領走他不會花 |
| transcript.whisperx[27].start |
553.236 |
| transcript.whisperx[27].end |
581.343 |
| transcript.whisperx[27].text |
這個國家很奇怪其實我們剛剛委員提到我們都有在做只是說我們都有在做但是效果不知道KPI非常空洞我現在的問題是你現在還要做第八期接下去還有很多的資源還有金控本身他們有ESG企業社會責任他們其實都有非常多的相關的資源可以落實到所謂的金融素養教育我覺得主委應該訂出一個全國性的金融素養計畫 |
| transcript.whisperx[28].start |
582.683 |
| transcript.whisperx[28].end |
595.124 |
| transcript.whisperx[28].text |
不管是跟教育部的合作或者是進到我們的所謂的課綱如果一個孩子到現在我們發給他一萬塊我們還怕他亂花表示我們的金融素養教育是非常失敗的 |
| transcript.whisperx[29].start |
596.52 |
| transcript.whisperx[29].end |
615.278 |
| transcript.whisperx[29].text |
確實其實我個人也有一個期望就是真的很多年前我去過英國的時候就知道他們以金融立國確實在把很多的教材上面就把金融教育放進去我當時就非常的我們的投資詐騙會這麼盛行就是因為我們大家包括我跟你我們在大學以前沒有學過理財 |
| transcript.whisperx[30].start |
616.179 |
| transcript.whisperx[30].end |
631.965 |
| transcript.whisperx[30].text |
這是我們來努力的所以您的金融素養教育會希望您有訂出一個完整的計畫而不是現在辦了幾場演講會推播了多少數字然後多少人來參加學員有多少回饋滿意度多少這種KPI真的不要也罷 |
| transcript.whisperx[31].start |
633.502 |
| transcript.whisperx[31].end |
655.535 |
| transcript.whisperx[31].text |
这还是有它的成效但是我觉得刚刚委员提点很好结合民间资源结合你的银行集中在某些区块让它产生效果所有的金融机构都有这样的资源只是要不要用怎么用好不好用甚至是不是让他们进入学校来协助我觉得这是一个好的方向好吗好 谢谢谢谢 |