| IVOD_ID |
166130 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/166130 |
| 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 |
2025-12-03T11:12:41+08:00 |
| 結束時間 |
2025-12-03T11:24:19+08:00 |
| 影片長度 |
00:11:38 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/d5a4ce084af309d62a5139a6ab967b2809a18256bf6bdfeba14720b4e10c82cb8fc1c8a01bc256bc5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
黃珊珊 |
| 委員發言時間 |
11:12:41 - 11:24:19 |
| 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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| transcript.whisperx[0].start |
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我想最近大家都非常關心一個事情就是應對天災疫病還有極端氣候以及敵人侵略的危機挑戰國防部有參考歐洲國家出了小局書當危機來臨台灣全民安全之意那要求民眾在遇到緊急狀況的時候知道要怎麼做 |
| transcript.whisperx[1].start |
26.889 |
| transcript.whisperx[1].end |
43.424 |
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而且花了六千多万在明年一月五号要完成普发到全国九百八十万户的家庭这件事情非常的重要但是我想问一下主委我们在里面很认真的看你们金管会有参与这个安全指引的草拟吗 |
| transcript.whisperx[2].start |
44.147 |
| transcript.whisperx[2].end |
64.39 |
| transcript.whisperx[2].text |
我們整個在國家任性計畫裡面本來我們的財經部會都有參與所以我們在這個小局書裡面其實看到一件蠻有趣的事他說貴重物品請民眾準備少許的現金跟零錢我想問一下少許是多少 |
| transcript.whisperx[3].start |
65.697 |
| transcript.whisperx[3].end |
84.091 |
| transcript.whisperx[3].text |
我想這應該主要是這個 當然 這個是我們不知道對 沒有 這個是主委啊 我現在要跟你說的是小局書的緊急避難包準備在國外 先進國家其實都有很具體的建議荷蘭政府建議三天成人70塊歐元 兒童30塊歐元 |
| transcript.whisperx[4].start |
86.773 |
| transcript.whisperx[4].end |
113.756 |
| transcript.whisperx[4].text |
芬蘭三天美國郵他州五天而且汽油要兩百塊汽車旅款七百塊飲食兩百塊大概一千一百塊一個成人也就是說台灣一個人準備三天的基本需求如果是三天你覺得台灣人應該準備多少錢在這個小小避難包裡面 |
| transcript.whisperx[5].start |
114.605 |
| transcript.whisperx[5].end |
135.144 |
| transcript.whisperx[5].text |
我想說三天我想在座的每個人應該的金額都是不一樣的對 但是我們政府要建議多少我們大概算一算一天大概抓一千塊三天如果70歐元的話大概是三千塊左右這個部分是不是在金管會也好還有給所有行政院內政部的建議我建議更具體一點 |
| transcript.whisperx[6].start |
136.425 |
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157.119 |
| transcript.whisperx[6].text |
因為這次既然花這麼大的錢通知民眾就不應該這麼空洞啦我這樣聽起來我覺得如果我們跟人家比起來我們是很空洞少許現金少許少許是多少不知道也沒有計畫也沒有相關的警示這是第一個我認為 |
| transcript.whisperx[7].start |
158.2 |
| transcript.whisperx[7].end |
177.8 |
| transcript.whisperx[7].text |
我們如果真的要做安全指引的話可能各方面都要第二個部分就是我在去年十月質詢卓院長主委也在我說其實我們暫時最重要的是要做金融兵推金融兵推我知道你們有開始在做調整但是如果真的發生暫時的時候 |
| transcript.whisperx[8].start |
179.321 |
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196.287 |
| transcript.whisperx[8].text |
除了剛剛講的現金準備可能會變成擠兌甚至驚慌失措甚至會有所謂的暴力犯罪那金融秩序的安定是建構在我們的銀行體系還正常運作 |
| transcript.whisperx[9].start |
197.427 |
| transcript.whisperx[9].end |
212.955 |
| transcript.whisperx[9].text |
只要他一旦沒有辦法正常運作其實是會非常恐慌的所以民眾除了剛剛講的準備幾千塊放在包包裡以外他其實在國外還有一個非常重要在金融方面的建議就是 |
| transcript.whisperx[10].start |
214.036 |
| transcript.whisperx[10].end |
231.572 |
| transcript.whisperx[10].text |
一旦銀行的資料庫萬一發生了問題你的存款連銀行都沒有辦法告訴你說你的存款還在哪裡的時候民眾其實要預先做好一些準備的對吧 主委是 你覺得呢在那小冊子裡面有提到就是說你要保留你的存摺 |
| transcript.whisperx[11].start |
232.785 |
| transcript.whisperx[11].end |
250.632 |
| transcript.whisperx[11].text |
保留你的存摺第二個現在已經很多銀行沒有存摺了至少我的一些外商銀行它已經沒有存摺所以大家建議的是你的提款卡要拍照備份存在自己的雲端將來如果這些體系都已經瓦解的時候你還可以證明你自己的存款還在 |
| transcript.whisperx[12].start |
251.432 |
| transcript.whisperx[12].end |
269.042 |
| transcript.whisperx[12].text |
對 他有建議電子紀錄啦相關的電子紀錄是 所以主委你認不認為你們應該更積極的參與這個所謂的安全指引的指示甚至再做多一點事情這是國家的事情各個部會相關都有參與是 所以我現在要求的就是金管會應該更具體 |
| transcript.whisperx[13].start |
270.583 |
| transcript.whisperx[13].end |
298.8 |
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第二個在金融真的發生這些問題的時候你開一場大火他所有東西都燒光了他連自己可能只剩下連身份證都沒有了就全部重辦銀行帳戶有很多像我自己我可能忘記我有幾個銀行帳戶了這些東西都應該現在就開始提醒民眾你應該把你的個人資產做好完整的備份資料將來如果萬一的體系完全失聯的話完全失控的話你還有保存你的資產的這些價值 |
| transcript.whisperx[14].start |
300.441 |
| transcript.whisperx[14].end |
325.307 |
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好嗎我覺得剛剛委員提的建議都非常的務實也非常的值得我們來思考是 所以主委我希望金管會更積極一點在這個所謂大家都認為安全指引很重要的情況下銀行端當然他們本來就應該做好準備但是你不可排除看到別人的戰爭我們自己也要有自己的提醒第二個我們的銀行自己的系統會不會因而受損 |
| transcript.whisperx[15].start |
326.227 |
| transcript.whisperx[15].end |
344.242 |
| transcript.whisperx[15].text |
雖然現在有異地備援有各種的方式但是還是應該提醒民眾他們自己對自己的資產應該有一定的保護是我想這也是那個小橘書一個很重要的意義提醒國民去安思維小橘書看到跟你有關的就這麼那兩句話少許的現金然後沒了 |
| transcript.whisperx[16].start |
345.503 |
| transcript.whisperx[16].end |
371.183 |
| transcript.whisperx[16].text |
這是我覺得很可惜啦可以多一頁怎麼樣保留你的資產怎麼樣讓你在這邊在災後復原的時候能夠不會受到你的東西不見了燒光了甚至銀行體系也垮了你的東西找不到了這些問題所以我覺得主委我希望我今天的提起希望你們在今年會期之前你們至少有一個更具體的剛剛講 |
| transcript.whisperx[17].start |
372.424 |
| transcript.whisperx[17].end |
381.474 |
| transcript.whisperx[17].text |
歐洲政府都這麼具體台灣的政府更具體一點這樣可以嗎好 我想說這部分我剛才已經說過為那個是非常務實也是非常這個 |
| transcript.whisperx[18].start |
384.192 |
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405.147 |
| transcript.whisperx[18].text |
這個緊急避難包對於民眾來說可能當場救命可是他接下來要繼續生活他的錢不見了怎麼辦他自己要把自己的檔案存在雲端有個依據將來可以恢復我覺得這個可能不是只有保留存摺而已存摺可能都燒光了而且你也不會隨身攜帶好嗎 |
| transcript.whisperx[19].start |
407.128 |
| transcript.whisperx[19].end |
432.987 |
| transcript.whisperx[19].text |
是的這一點我希望在這個會期我覺得時間給你多一點在休會前至少出一個金管會基本的該有什麼的東西給我一個出面的報告這我們會在相關的會議上面我們提出委員這個好建議是 我覺得安全指引不會只有單單的一個小小的緊急避難保第二部分就是現在銀行法我們接下來要去審所謂的打砸專訪的修正 |
| transcript.whisperx[20].start |
433.587 |
| transcript.whisperx[20].end |
447.466 |
| transcript.whisperx[20].text |
那接下來的是銀行其實很認真現在在做AI管控所以AI最近發生很多民怨我想很多委員都講過了那AI大部分現在都會主動去先暫停交易然後請你來跟我解凍 |
| transcript.whisperx[21].start |
449.028 |
| transcript.whisperx[21].end |
477.426 |
| transcript.whisperx[21].text |
那很多的民眾有多所抱怨但是相對的其實我們銀行我認為啦他們可能也很想多做事但是他們的授權不夠會造成了各種不同的爭執其實儘管會有一個存款帳戶跟疑似不法及嫌屬異常交易的管理辦法就給他很多警示帳戶的權限但是銀行現在非常非常的被動因為他們只有收到 |
| transcript.whisperx[22].start |
478.487 |
| transcript.whisperx[22].end |
490.787 |
| transcript.whisperx[22].text |
減掉來文他們才主動列為警示帳戶比如說看到像太子集團這樣子的狀況其實我覺得他怪怪的銀行是不能對他做任何的限制 |
| transcript.whisperx[23].start |
491.638 |
| transcript.whisperx[23].end |
512.364 |
| transcript.whisperx[23].text |
但是只要檢調通報的一般市井小民的他們馬上就把它列為警示帳戶這就產生了相對非常嚴重的落差感所以這個辦法我看到它是103年8月份訂的辦法在我們打炸專法都已經通過的情況下這個辦法還沒修 |
| transcript.whisperx[24].start |
515.225 |
| transcript.whisperx[24].end |
543.586 |
| transcript.whisperx[24].text |
第二個AI都已經上路了這個辦法也沒有納入耶也就是說如果給銀行更多的法令的依據它除了AI看到的它有一個依據說我可以去把它做調整我可以收到警示我可以主動做點什麼第二個就算不是AI看到我是人我看到這個太子帳戶一大堆錢一大堆亂七八糟的錢之前有那個IMB的帳戶一個月進出五千萬都是小額進來的 |
| transcript.whisperx[25].start |
545.578 |
| transcript.whisperx[25].end |
571.646 |
| transcript.whisperx[25].text |
銀行有通報啊通報啦然後呢沒下文啊沒有人理他我的意思是說如果我們有這個辦法你其實是有武器的銀行也需要你提供給他的武器來做點事但是他現在一出事就被罵被罵他不敢做不敢做之後就擔心這個擔心那個一刻數的話又被評鑑主委你有這個武器要怎麼用而已 |
| transcript.whisperx[26].start |
572.39 |
| transcript.whisperx[26].end |
589.038 |
| transcript.whisperx[26].text |
其實委員講的是但是一般的民眾其實不知道我們打仗專案通過銀行本來就有相當於減掉所控帳戶的但是他現在基本上民眾的宣導我們要加油第二個是他大概都不會主動啦 |
| transcript.whisperx[27].start |
589.258 |
| transcript.whisperx[27].end |
610.288 |
| transcript.whisperx[27].text |
但是必須跟委員報告一般民眾他基本上面對檢調跟面對銀行的他的態度是完全不同的所以我想說這部分銀行背負了很大的壓力我得說我們既然有存款戶疑似不法嫌疏異常交易的管理辦法其實它就是給銀行的授權這個授權就是要讓所有的人都知道銀行是有這樣的權限 |
| transcript.whisperx[28].start |
611.428 |
| transcript.whisperx[28].end |
628.183 |
| transcript.whisperx[28].text |
第二個銀行很想做 對但是主委我還是要強調一次金管會不能什麼都推給打詐專法你自己在你家裡面有這個工具有這個辦法我麻煩你去修一修這也是為什麼我們會要求他用AI鎖框他本來是依法辦理本來就是 |
| transcript.whisperx[29].start |
629.003 |
| transcript.whisperx[29].end |
656.225 |
| transcript.whisperx[29].text |
所以這個法十年沒修了現在的AI現在的新的方式我認為啦你們要把這個辦法更具體化第二個讓所有的民眾他在跟銀行交涉的時候他就知道有可能有一天有這樣的狀況而不是現在發生事情而且現在的AI的確常常出錯我們怎麼樣給銀行一個完整的保護讓他願意多做一點事好嗎 |
| transcript.whisperx[30].start |
657.066 |
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673.562 |
| transcript.whisperx[30].text |
我們一定給銀行全力的支持所以這個辦法我也希望你們在兩個月之內有個檢討你們要不要把相關現在的做法可以再做一些修正而且你打砸專法修完之後這個辦法也沒修耶各位報告我們現在已經啟動相關修法程序了什麼時候會做好 |
| transcript.whisperx[31].start |
674.407 |
| transcript.whisperx[31].end |
690.96 |
| transcript.whisperx[31].text |
現在還在徵詢各部會的意見主委 這個辦法不能再拖啦都已經上路了 AI都已經鎖人家帳戶了你們還在修辦法 好嗎好 我們剛才局長已經很明確的說明了謝謝 進速修訂了謝謝黃珊珊委員接下來請王世堅委員質詢 |