| IVOD_ID |
166118 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/166118 |
| 日期 |
2025-12-03 |
| 會議資料.會議代碼 |
委員會-11-4-15-14 |
| 會議資料.會議代碼:str |
第11屆第4會期內政委員會第14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 |
14 |
| 會議資料.種類 |
委員會 |
| 會議資料.委員會代碼[0] |
15 |
| 會議資料.委員會代碼:str[0] |
內政委員會 |
| 會議資料.標題 |
第11屆第4會期內政委員會第14次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-12-03T09:58:11+08:00 |
| 結束時間 |
2025-12-03T10:10:38+08:00 |
| 影片長度 |
00:12:27 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/d5a4ce084af309d6977aa7cafc4feb84c7cefddca96be500a14720b4e10c82cb7439805f15628b065ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
王美惠 |
| 委員發言時間 |
09:58:11 - 10:10:38 |
| 會議時間 |
2025-12-03T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第4會期內政委員會第14次全體委員會議（事由：一、行政院函請審議「詐欺犯罪危害防制條例部分條文修正草案」案。二、繼續審查委員王定宇等18人擬具「詐欺犯罪危害防制條例第五十四條條文修正草案」案。三、繼續審查委員廖先翔等18人擬具「詐欺犯罪危害防制條例第四十三條條文修正草案」案。四、繼續審查委員張宏陸等30人擬具「詐欺犯罪危害防制條例第四十七條條文修正草案」案。五、繼續審查委員林宜瑾等27人擬具「詐欺犯罪危害防制條例第四十七條條文修正草案」案。六、繼續審查委員王義川等16人擬具「詐欺犯罪危害防制條例第四十七條條文修正草案」案。七、繼續審查委員陳素月等18人擬具「詐欺犯罪危害防制條例第四十七條條文修正草案」案。八、審查台灣民眾黨黨團擬具「詐欺犯罪危害防制條例第四十六條及第四十七條條文修正草案」案。九、審查委員王美惠等18人擬具「詐欺犯罪危害防制條例第四十七條條文修正草案」案。十、審查委員蘇巧慧等22人擬具「詐欺犯罪危害防制條例第四十六條及第四十七條條文修正草案」案。十一、審查委員黃捷等21人擬具「詐欺犯罪危害防制條例第四十六條及第四十七條條文修正草案」案。十二、審查委員李柏毅等16人擬具「詐欺犯罪危害防制條例第四十六條及第四十七條條文修正草案」案。十三、審查委員李坤城等20人擬具「詐欺犯罪危害防制條例第四十七條條文修正草案」案。十四、審查委員翁曉玲等25人擬具「詐欺犯罪危害防制條例第四十三條及第四十四條條文修正草案」案。十五、審查委員翁曉玲等24人擬具「詐欺犯罪危害防制條例第四十六條及第四十七條條文修正草案」案。十六、審查委員吳沛憶等17人擬具「詐欺犯罪危害防制條例第四十三條條文修正草案」案。十七、審查委員賴瑞隆等17人擬具「詐欺犯罪危害防制條例部分條文修正草案」案。十八、審查委員李坤城等23人擬具「詐欺犯罪危害防制條例部分條文修正草案」案。十九、審查委員羅智強等19人擬具「詐欺犯罪危害防制條例第四十六條及第四十七條條文修正草案」案。二十、審查委員洪孟楷等17人擬具「詐欺犯罪危害防制條例第四十三條條文修正草案」案。二十一、審查委員黃捷等16人擬具「詐欺犯罪危害防制條例第三十一條、第三十一條之一及第四十條條文修正草案」案。【第一案、第十七案至第十九案如經復議則不予審查；第二十案至第二十一案如未經各黨團簽署不復議同意書則不予審查。】
【12月3日及4日二天一次會】） |
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| transcript.whisperx[0].start |
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好 我們請汪媒會召委主席 我們請金融 還有請塔杜瓦爾 抒發部好 請抒發部的黃副署長然後金融監管會的周祖密你好 |
| transcript.whisperx[1].start |
30.029 |
| transcript.whisperx[1].end |
33.69 |
| transcript.whisperx[1].text |
在這裏本身要先幫你探討一下我們的MetaTattoo有幾個委員所說的差不多方便的,都差不多在我們這裏面的啦中間97%說實在的,那間是私人的 |
| transcript.whisperx[2].start |
48.993 |
| transcript.whisperx[2].end |
53.735 |
| transcript.whisperx[2].text |
尤其那個過程當中 不管是要到處也好還是要交朋友也好 這些都是在我們這個地方興奮所以你剛才有說 它就變形變色融 越變越厚 越變越厚但是是不是在你們事務部裡面 |
| transcript.whisperx[3].start |
71.981 |
| transcript.whisperx[3].end |
75.063 |
| transcript.whisperx[3].text |
所做的我們也是因為詐騙集團很多跟森林林的這個司法部的要怎麼去截止被騙的人這才是最重要的大家應該也知道說 |
| transcript.whisperx[4].start |
90.387 |
| transcript.whisperx[4].end |
94.532 |
| transcript.whisperx[4].text |
這邊的越來越聰明越來越延伸出來越多項的檔篇但是在司法部裡面學生的感覺跟我們民意代表覺得說沒什麼作用 |
| transcript.whisperx[5].start |
108.089 |
| transcript.whisperx[5].end |
131.263 |
| transcript.whisperx[5].text |
其實跟委員這邊來說明一下事實上在速發部這邊主要是針對這個數位經濟的產業的這個部分我們從源頭來做一個阻斷所以其實除了剛剛講的網路廣告平台業之外事實上我們對於電商產業的這個部分早期電商有很多的個資外洩會被詐騙現在也已經下降了 |
| transcript.whisperx[6].start |
132.023 |
| transcript.whisperx[6].end |
133.825 |
| transcript.whisperx[6].text |
那或者是第三方我現在是跟你說是下車走的時候是我們也要阻止人家說我比詐騙集團還要厲害是我的司法部的勝率就是要超越 |
| transcript.whisperx[7].start |
147.623 |
| transcript.whisperx[7].end |
152.105 |
| transcript.whisperx[7].text |
詐騙集團 所想的方法 被審的才對啦跟你說 啊 以前我們做什麼 搞了多少次啊說實在 這對我們喔 現在都沒辦法啦我們也趕快去研議 超前部署你說什麼 隨便的 隨便報案的那你們都知道啊 到現在的時候 |
| transcript.whisperx[8].start |
175.103 |
| transcript.whisperx[8].end |
192.85 |
| transcript.whisperx[8].text |
不然覺得有因素 我不做什麼有出來 有啦這樣好 來 待會跟你們有所作為有做得不錯 拜託恢復到一個月後給我好 沒問題來 我請問金管會在這裡面 我要跟你探討的就是在本省的服務處 每天接到 |
| transcript.whisperx[9].start |
202.97 |
| transcript.whisperx[9].end |
209.755 |
| transcript.whisperx[9].text |
白痴,你如果聽不懂我說台語的時候你可以再問我一次沒關係,大家互相因為我看你剛才這樣罵頭尖尖,我怕你聽不懂我現在的意思是要跟你說我們有帳號,不管是在郵局、在對一間銀行有顯示出來的時候,我們就他的帳號不能用了嘛 |
| transcript.whisperx[10].start |
230.956 |
| transcript.whisperx[10].end |
233.818 |
| transcript.whisperx[10].text |
還尤其在遊郷的時候半天你如果沒出入他就讓你坐牢他又不懂 |
| transcript.whisperx[11].start |
241.004 |
| transcript.whisperx[11].end |
247.367 |
| transcript.whisperx[11].text |
就是覺得你們的法案這個某一個詐騙集團騙人的帳號這本來就要處理這我不會覺得怎麼樣是你們的去到無辜被殺的帳號讓你們正式覺得說這有異常啦 |
| transcript.whisperx[12].start |
261.274 |
| transcript.whisperx[12].end |
267.402 |
| transcript.whisperx[12].text |
尤其你知道嗎 有的弱勢的 根本他就沒有錢跟他的帳號 跟台灣的銀行一分半而已跟你們小孩說他有問題 跟他的債務不可以而已 跟他是要賣 |
| transcript.whisperx[13].start |
279.772 |
| transcript.whisperx[13].end |
285.815 |
| transcript.whisperx[13].text |
儘管的 跟他現在一人阿婆阿兜去哪阿婆阿兜去買儘管回來買跟他同調儘管的資格這延伸出來 我驚動你知不知道你如果看你的通報警示喔181年跟182年跟183年跟184年的1月跟4月 |
| transcript.whisperx[14].start |
307.585 |
| transcript.whisperx[14].end |
314.126 |
| transcript.whisperx[14].text |
說實在,你如果看到無辜的,讓你解除的,會正視多少?跟你們要怎麼做,跟你們有什麼問題,跟你們要不要了解、要不要去問,跟你們直接來正視、來動態這對無辜的人、生活有困難的人,這非常嚴重 |
| transcript.whisperx[15].start |
332.813 |
| transcript.whisperx[15].end |
338.195 |
| transcript.whisperx[15].text |
你們是不是要去那麼準確去凍結他的帳戶才對有的公司很弱勢的時候他如果去銀行問去銀行做什麼銀行都說跟你這個帳戶有問題啦他就要等地檢署判決啦跟你沒有起訴的時候你再去銀行處理啦但是這幾個月要叫他怎麼想法 |
| transcript.whisperx[16].start |
362.785 |
| transcript.whisperx[16].end |
380.836 |
| transcript.whisperx[16].text |
是委員的那個指示我們一定會再去跟更勤銀行優化相關的處理機制但是我這邊報告就是兩個方向一個就是說剛才可能是銀行自己主動偵測疑似涉詐的帳號他會做部分的控管並不會凍結所有的功能 |
| transcript.whisperx[17].start |
381.596 |
| transcript.whisperx[17].end |
393.787 |
| transcript.whisperx[17].text |
那這個部分我們剛才前一位委員有類似的質詢那我們大概就是說請銀行要更優化他的相關的判斷的模型跟模式我現在就是要說銀行都沒有做這個動作啦都覺得我方便就好啊正式出來的時候又來動就好了啦 |
| transcript.whisperx[18].start |
399.912 |
| transcript.whisperx[18].end |
419.626 |
| transcript.whisperx[18].text |
那另外一個部分這剛才講的第一個部分是銀行主動偵測第二部分是警示帳戶警示帳戶是來自於司法警察機關他的提供所以這個部分警示帳戶變成說他如果要解除的話要司法警察機關再去通知銀行來解除這就是有問題的那些嘛還有有做到這個嘛如果是有發生真的很無奈讓銀行覺得有問題的時候當場的時候 |
| transcript.whisperx[19].start |
429.213 |
| transcript.whisperx[19].end |
438.515 |
| transcript.whisperx[19].text |
這個部分因為銀行還是處於一個就整個機制來講他還是處於一個被動通知來處理的一個角色啦那如果怎麼這個其實怎麼去照顧到這些比較真的是弱勢的群眾我們會再來跟警政單位來做一個溝通跟討論 |
| transcript.whisperx[20].start |
459.522 |
| transcript.whisperx[20].end |
461.685 |
| transcript.whisperx[20].text |
我認為你們要去 你剛才說的 聽起來我認為你們如果有問題 要動態 如果你們有意見 你去跟你們說你們可以來接觸 我要跟你們報告 |
| transcript.whisperx[21].start |
475.86 |
| transcript.whisperx[21].end |
490.754 |
| transcript.whisperx[21].text |
因為如果是警示帳戶的話銀行就沒有辦法主動幫他解除如果是銀行自己偵測控管的話就可以所以這部分我們會再來看看怎麼我現在是要說說銀行當然有問題我們尊重手法如何去處理 |
| transcript.whisperx[22].start |
494.867 |
| transcript.whisperx[22].end |
497.809 |
| transcript.whisperx[22].text |
是他覺得我剛才說到現在就是金融會減價啦 還沒辦法改善啦這你們要去了解 要做好啦因為詐騙集團的帳號借的 還是人頭的 這我們百分之一百這一定要處理的 |
| transcript.whisperx[23].start |
516.889 |
| transcript.whisperx[23].end |
526.271 |
| transcript.whisperx[23].text |
但是我講的就是無辜的事了解 了解再來 我要說我們的詐騙集團越來越嚴重了我們在2023年 聯邦銀行提高提款額度並解除控管但是我們沒有審核 協助詐騙集團去拿錢出來 |
| transcript.whisperx[24].start |
546.594 |
| transcript.whisperx[24].end |
550.317 |
| transcript.whisperx[24].text |
嚴格在2023年 中國信託啦他的行為提供 他的帳號領域 方便詐騙集團設置啦再來2024年啦 一定的某一個副理涉嫌 也幫詐騙集團設置啦 |
| transcript.whisperx[25].start |
574.168 |
| transcript.whisperx[25].end |
580.672 |
| transcript.whisperx[25].text |
以前的喔 再來更恐怖的就是2005年台灣藝人兩個夥伴合作詐騙集團設置啦結果在這個過程當中大家都認為 台灣藝人是我們國家的耶嚴若發生之後的時候你們看他所發的 加發一個兩千兩百萬 |
| transcript.whisperx[26].start |
603.804 |
| transcript.whisperx[26].end |
614.334 |
| transcript.whisperx[26].text |
他這個三季收攤的錢250多億啦這樣說實在應該不敢做壞事啦是跟委員報告因為我們是針對銀行的內控跟管理來做裁罰所以裁罰的主體是銀行啦 |
| transcript.whisperx[27].start |
623.77 |
| transcript.whisperx[27].end |
636.043 |
| transcript.whisperx[27].text |
那針對 雖然當事人他們會有受到相關刑事 民事我現在就是要跟你們說 金管會你們所有的銀行 白色也最新銀行跟你們裡面的行員在那裡設置 那要找新人喔說實在 台灣銀行咧 不是普通的 |
| transcript.whisperx[28].start |
645.326 |
| transcript.whisperx[28].end |
648.428 |
| transcript.whisperx[28].text |
臺灣人是要印中華民國臺灣的字做這個事情 我說不管是什麼你們政府要去研議一個附帶的制令 |
| transcript.whisperx[29].start |
660.777 |
| transcript.whisperx[29].end |
664.741 |
| transcript.whisperx[29].text |
像大叔也騙人賣房子賣地這也要負擔大叔那間花園的一年也要發財不然我講實在的像這個發財沒感覺 |
| transcript.whisperx[30].start |
679.663 |
| transcript.whisperx[30].end |
682.445 |
| transcript.whisperx[30].text |
跟未來,我說你們的金管會書啊,部委家,我們的詐騙集團的車手,要去那裡,你們要怎麼選我,讓他們說,那裡沒什麼方便啦。 |
| transcript.whisperx[31].start |
695.632 |
| transcript.whisperx[31].end |
699.656 |
| transcript.whisperx[31].text |
像ATM 裡面要捏線的時候 你是不是可以做得更正確讓車手要捏的時候 批准質問也好 他的臉孔辨識也好可以讓他 沒這麼方便啦 |
| transcript.whisperx[32].start |
715.43 |
| transcript.whisperx[32].end |
720.431 |
| transcript.whisperx[32].text |
是不是我們應該要這樣做 沒說實在的 詐騙集團最方便的就是ATM去拿錢 又騙騙的 把我來捏沒兩分鐘 所謂錢就捏了所以你們在這個關卡上 你們要想什麼方法去處理所以司法部跟金融的家 我們不是說要責怪你們什麼 我覺得你們有這個能力 還可以做得好 以上 |
| transcript.whisperx[33].start |
746.032 |
| transcript.whisperx[33].end |
747.168 |
| transcript.whisperx[33].text |
謝謝委員好 謝謝 |