| IVOD_ID |
166127 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/166127 |
| 日期 |
2025-12-03 |
| 會議資料.會議代碼 |
委員會-11-4-20-10 |
| 會議資料.會議代碼:str |
第11屆第4會期財政委員會第10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 |
10 |
| 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10次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-12-03T11:03:29+08:00 |
| 結束時間 |
2025-12-03T11:12:35+08:00 |
| 影片長度 |
00:09:06 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/d5a4ce084af309d650a0d100547e0f3d09a18256bf6bdfeba14720b4e10c82cbea2fa0b0c1a4ccb95ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
顏寬恒 |
| 委員發言時間 |
11:03:29 - 11:12:35 |
| 會議時間 |
2025-12-03T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第4會期財政委員會第10次全體委員會議（事由：審查本院委員蔡易餘等16人、委員牛煦庭等26人分別擬具「銀行法第一百二十五條及第一百二十五條之四條文修正草案」等2案。） |
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主席有請金管會彭主委主席有請彭主委請彭主委主委好主委金管會 |
| transcript.whisperx[1].start |
25.683 |
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通過台新人壽跟新光人壽合併及更名申請案那合併基準日是2026年的1月1日規模上看3.96兆排名第四那儘管會面對台新人壽與新光人壽的合併雖然已經強調這個保護權益不受影響但是仍然還有兩大疑點需要詢問主委第一個合併後的財務黑洞跟風險轉移移轉的問題是否被低估第二個就是 |
| transcript.whisperx[2].start |
53.807 |
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80.454 |
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保護告知服務不中斷是否真的有監理機制而不是只靠公司的承諾請主委回答我想從後面開始回答就是說對保護而言我們從過去我們台灣這麼多的這個合併案裡面我們已經非常非常清楚知道保護的權益不會在任何合併上產生任何的變動我想這是應該是從過去的經驗包括我們整個監理措施跟實際的這個案例都證明這一點 |
| transcript.whisperx[3].start |
81.654 |
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剛剛委員提到兩個問題一個財務黑洞我在猜是因為過去在那之前因為我們在因為整個受險業的所謂它的資本氏族是隨著整個經濟環境變動而變動比如說現在利率的關係它的評價就會產生一個比如說資產的減損或者利率的降低就會增加負債的提撥這隨時都在變動當中所以 |
| transcript.whisperx[4].start |
107.228 |
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134.082 |
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我們在整併過程當中已經針對這個財務上面已經做好了一些的相關的審查合併是兩家公司的合併該有的財務黑洞不會消失或是該有的財務負擔增資需求不會消失當然風險移轉的部分我們本來是兩家經貨公司合併然後接下來第二步就是兩家經貨公司同性子子公司的合併我想這個大概就是過去的既有的 |
| transcript.whisperx[5].start |
134.862 |
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152.79 |
| transcript.whisperx[5].text |
對 因為我們都很清楚因為台新跟星光他們兩家的體質這個差異是很明顯的是很明顯的那這個診病的風險我們就是要避免轉嫁到投資人或者是保護的身上好不好 主委我想這個沒有問題應該是不會好 那我想在 |
| transcript.whisperx[6].start |
153.79 |
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請教主委就是今天審查營養法第125條提高非法吸金案件的刑者以嚇阻犯罪這是全民期待的台灣人對於這個詐騙深惡痛絕但是詐騙的手法推陳出新變化多端我們就看上個月打詐以表版的數據上個月的詐騙案件就有13673件那財損金額達到60億4400萬 |
| transcript.whisperx[7].start |
182.412 |
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209.379 |
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就財損的方面看起來這個假投資詐騙共損失了24億8319萬佔總財損的41.1%所以打造預表板這幾個月的數字其實都是這邊多一下那邊少一下沒有固定下降的趨勢表示說這個打造的效果有限而且假投資詐騙每個月都是財損的第一名遠遠大過於其他的這些詐騙手法 |
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211.673 |
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228.207 |
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非法吸收存款就是等於直接跟人民拿錢直接榨取人民手上的錢跟我們跟所謂的地下會對的違規行為從中賺取手續費跟會差是完全不同的兩件事情所以金管會對於這次修法態度是什麼 |
| transcript.whisperx[9].start |
229.068 |
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248.869 |
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我想跟委員報告我剛才在那個報告裡面包括我們法務部代表都已經提過了就是說我們現行銀行法本來就對這個地下匯兌跟非法吸金是視同一個等同的重大金融犯罪我們對這個所謂的犯罪的金額做一個差別化的量刑那我們 |
| transcript.whisperx[10].start |
249.73 |
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274.935 |
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本來就是如果超過1億元就是超過1億元以上的話我們是加重其刑我想這次委員的提案是希望把所謂的地下會隊把它從整個會隊的金額把它限縮成實質的所得某種程度來講的話它可能產生是降低它的刑責的苛求剛剛我們在前面幾位委員的 |
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277.695 |
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294.97 |
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報告裡面也提到這個不管是非法吸金不管是剛才講的提到的就是所謂的非法的匯兌對整個台灣的金融市場的安定跟整個都是產生非常重大還有包括有高度的洗錢風險所以我們對剛剛那個修法我們建議還是在整個 |
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295.931 |
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環境而且整個社會氛圍在沒有改變的情況之下我們認為是這樣特別是比如說我們這次打詐專法裡面大家有社會共識對於車手這部分我們希望把它從所謂的他的實質所得改成整個犯罪所得我想趨勢民眾厭惡詐騙 厭惡犯罪行為我想大概是這樣的一個相同所以我們還是比較建議說維持現行的條文 |
| transcript.whisperx[13].start |
317.625 |
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好 主委除了剛剛提到這個非法吸金跟地下匯兌其實不只投資人像我們的一般的學生或者是沒有在投資的也會被詐騙虛擬遊戲虛擬遊戲的這個代幣也是一個重災區你們有沒有做過統計分析說虛擬點數 遊戲點數還有娛樂省點數這一類的他們這些非金融機構發行但是已經具有金融金流功能的這些 |
| transcript.whisperx[14].start |
346.254 |
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364.742 |
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這些項目在所有的詐騙案中的占比是多少他的受害者的年齡分布是多少因為這個其實跟我們抱歉這不是我們監管我們當然不會有這個數字的所以當然這可能比如說其他整體打詐看看其他部位比如說速發部他們有沒有這樣一個主委提醒就是說有個新的問題就是說 |
| transcript.whisperx[15].start |
366.617 |
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386.036 |
| transcript.whisperx[15].text |
這一類誘導購買點數它會讓我們所謂的這個詐團洗錢鍊就是說有個行為叫代儲代替儲值就是說詐團用比官方更便宜的價格比如說市場的四折到七折 |
| transcript.whisperx[16].start |
386.876 |
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407.222 |
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比如說官方的3800點數要3290元但是代儲只要2500元用這樣子的方式來吸引玩家玩家會以為說他賺到了但是其實這是一整條完整的炸團洗錢鍊用炸團的不法資金透過黑市暗網兌換成這個加密貨幣然後再以加密貨幣兌換會對P2P的網站然後換成可儲值的這種禮物卡 |
| transcript.whisperx[17].start |
415.244 |
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440.243 |
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取得禮物卡之後再以市價的4到7折來協助玩家儲值那我們金管會扮演的角色是金流的把關者嘛 對不對那這對於這種新興的張著一個洗錢的一個產業鏈這種新型態的金流我發覺我們金管會在這裡面的角色不夠啦所以說是不是完全沒有去注意到這個相關的部分 |
| transcript.whisperx[18].start |
441.585 |
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456.511 |
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我想說就是因為假設他透過我們金融機構的帳戶的部分如果有提醒的話我們當然會把它列入我們的那個考量來看看納管對不對其實我們本來就已經對所有的洗錢的經理我們都是在這個這個人簽到其他部會他們在 |
| transcript.whisperx[19].start |
460.157 |
| transcript.whisperx[19].end |
485.291 |
| transcript.whisperx[19].text |
所以我可不可以說就是要求請主委去研議這個問題就是說把虛擬的道具點數賬號的買賣第三方交易平台必須設立公司登記提供完整的交易紀錄跟用戶資料納入金管會的治安相關的法規來監管做這樣子的一個推動可以嗎我想這部分我們那個我可不可以簡短請我們主講好 簡單說明一下 |
| transcript.whisperx[20].start |
487.132 |
| transcript.whisperx[20].end |
503.838 |
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根委員報告那個遊戲點數業者數位部已經有著手做相關的管理那至於就是說這個代儲的部分如果是透過那個信用卡來進行代儲的話我們也有要求對特電進行相關的一個查核對 所以我們金管會在這個跨部會的合作裡面就扮演的就是金流把關者 |
| transcript.whisperx[21].start |
504.418 |
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530.926 |
| transcript.whisperx[21].text |
所以我在這邊才要求金管會要求主委說在這一個新的這種行為跟這樣子一個詐團利用這樣子的方式在洗錢的這部分金管會來要求好不好就我們從現有剛剛局長報告現有的制度你有沒有來強化因為如果不納管的話這等於是在幫助洗錢其實我們就剛才講過就是我們跟現有跨部會合作的機制裡面我們來強化這樣的一個措施 |
| transcript.whisperx[22].start |
532.122 |
| transcript.whisperx[22].end |
536.329 |
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好的 謝謝主委謝謝好 謝謝袁寬和委員質詢好 接下來我們請黃珊珊委員質詢 |