| IVOD_ID |
166137 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/166137 |
| 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 |
2025-12-03T11:24:24+08:00 |
| 結束時間 |
2025-12-03T11:36:03+08:00 |
| 影片長度 |
00:11:39 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/d5a4ce084af309d694d566e459bfa92009a18256bf6bdfeba14720b4e10c82cbee4908f1f42fde8f5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
王世堅 |
| 委員發言時間 |
11:24:24 - 11:36:03 |
| 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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謝謝主席我請請管委彭主委好請彭主委喂好彭主委是這個 |
| transcript.whisperx[1].start |
17.54 |
| transcript.whisperx[1].end |
30.703 |
| transcript.whisperx[1].text |
我們國內的銀行、金控公司所有金融機構那麼他們所收的手續費也就是銷售金融商品的手續費那由112年的2461億到113年已經增加到3156億 |
| transcript.whisperx[2].start |
43.072 |
| transcript.whisperx[2].end |
49.898 |
| transcript.whisperx[2].text |
那麼金額增加這當然好表示我們國內理財 金融這些蓬勃發展這當然好 |
| transcript.whisperx[3].start |
50.828 |
| transcript.whisperx[3].end |
76.594 |
| transcript.whisperx[3].text |
不過這也代表了不當招攬的風險是提高了不當招攬的風險當然我們金管會有責令各金融單位銀行他們要對於銷售這些理財商品要做充分詳實的向消費者來做說明這一點是有進步但是我從結論來看 |
| transcript.whisperx[4].start |
79.255 |
| transcript.whisperx[4].end |
101.497 |
| transcript.whisperx[4].text |
我們光是去年去年開罰了一億七千七百萬在這種不當金融商品的銷售上面那這一億七千七看起來好像金額蠻高的喔但是這卻是這五年來罰款最少的一次更 |
| transcript.whisperx[5].start |
105.031 |
| transcript.whisperx[5].end |
117.365 |
| transcript.whisperx[5].text |
那個年減率更是九年來的新低過去都一年還罰了有三億多那麼至於說不當金融產品在108年到113年這六年裡面 |
| transcript.whisperx[6].start |
122.712 |
| transcript.whisperx[6].end |
142.059 |
| transcript.whisperx[6].text |
實質抓到的說這一件事不當金融商品這樣抓的總共才抓了三件總共才抓了三件總共才裁罰五千六百萬然後這些銀行體系他們也有還有更多很離譜我隨便舉個例子像理財專員 |
| transcript.whisperx[7].start |
144.389 |
| transcript.whisperx[7].end |
166.508 |
| transcript.whisperx[7].text |
去挪用存款戶的存款的這一個部分那麼這一個部分近10年來有抓到的有22家銀行總共抓了35件罰了1億6900萬就是理財專員去挪用客戶的存款 |
| transcript.whisperx[8].start |
167.475 |
| transcript.whisperx[8].end |
192.809 |
| transcript.whisperx[8].text |
那挪用的金額那金額更是遠大於這罰的這麼一點錢啦那麼我要說的就是說我們在對於金融機構他們的不管理財專員他們的存款的專員或者他們管理的人才的要求跟訓練再多也不夠啦 再多也不夠那這裡面 |
| transcript.whisperx[9].start |
194.437 |
| transcript.whisperx[9].end |
209.919 |
| transcript.whisperx[9].text |
造成的金融的爭議消費的爭議而去受損的我今天要特別跟你提的就是我們這些高齡者高齡的金融消費者他們最無辜啦 |
| transcript.whisperx[10].start |
210.97 |
| transcript.whisperx[10].end |
228.232 |
| transcript.whisperx[10].text |
高齡的金融消費者因為他在銀行裡面的存款80%以上都是從其一生他努力的成果就那些錢那些就是他要養老中老用的退休金 |
| transcript.whisperx[11].start |
229.657 |
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251.982 |
| transcript.whisperx[11].text |
所以他們在處理這一個部分的時候當然會接受理財專員他們來報一些有哪一種哪一些理財商品他們去了解然後去購買但是他們一旦受騙或者這些理財專員講得不清不楚 |
| transcript.whisperx[12].start |
252.95 |
| transcript.whisperx[12].end |
272.717 |
| transcript.whisperx[12].text |
那麼之間有誤會的那造成的損失都是消費者高齡金融消費者他必須自己去吸收的所以這個部分蠻無辜的啦那在這個部分我查了一下這幾年來當然你們也有進步但是 |
| transcript.whisperx[13].start |
274.361 |
| transcript.whisperx[13].end |
296.947 |
| transcript.whisperx[13].text |
是高齡金融消費者很多理財銀行他就解釋說年紀大的人自己聽不清楚耳背或者沒有耐心聽所以造成爭議其實並不然你看所有這些案件裡面如果經過向金融機構申訴 |
| transcript.whisperx[14].start |
298.703 |
| transcript.whisperx[14].end |
319.45 |
| transcript.whisperx[14].text |
那不被接受他們再去找評議中心來申請評議的案件裡面竟然高達我以這三年來的例子111年高齡金融消費者他們提出金融爭議有理者高達18.76%將近20%欸遠高於其他年齡層 |
| transcript.whisperx[15].start |
326.303 |
| transcript.whisperx[15].end |
352.131 |
| transcript.whisperx[15].text |
所以並不是說高齡金融消費者他們的理解力差不是這樣也不是說高齡者他們不講道理並不是這個樣子不是現在一般坊間銀行所稱的所以在這一個部分我不曉得你看法怎麼樣然後我知道你們好像有推一個重新又在評估 |
| transcript.whisperx[16].start |
353.553 |
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379.454 |
| transcript.whisperx[16].text |
銀行金融機構他們要公平待客的機制那我不曉得你在這一個部分對於高齡金融消費者他們受到的委屈他們提出的金融評議的爭議其實有20%都是有道理的你看喔金融爭議消費的評估已經算很嚴苛了喔那樣子之下還20%是認為他們有道理的 |
| transcript.whisperx[17].start |
383.499 |
| transcript.whisperx[17].end |
392.372 |
| transcript.whisperx[17].text |
可見這些老人家他是吃虧在購買在接洽這個金融商品的當下他是吃虧的 |
| transcript.whisperx[18].start |
393.922 |
| transcript.whisperx[18].end |
413.447 |
| transcript.whisperx[18].text |
你看法有哪一些你們可以做的像委員這個投影片所示確實我們最高齡者的消費者的保護一直是我們最近的公共重點比如說我們也針對因為台灣走向高齡化客戶會越來越的比例越高是在高齡者高齡者確實在 |
| transcript.whisperx[19].start |
415.029 |
| transcript.whisperx[19].end |
430.058 |
| transcript.whisperx[19].text |
很多的狀況之下他很多的情況確實跟比如說我們一般的年輕人不太一樣所以這部分我們在評議上面也會針對這個高齡者做一個比較多的一個考量所以我們也看到高齡者這個所謂的比例整個的 |
| transcript.whisperx[20].start |
430.959 |
| transcript.whisperx[20].end |
451.224 |
| transcript.whisperx[20].text |
那個有理由的比率其實在下降就代表說其實上我們在這個增值的上面金融機構他們這個沒有理由進入平益的比率是在下降中我想這部分也是一個我們看到不過剛剛委員提醒我們對高齡者一直在做很多很多的努力包括我們最近在去標籤的話我們就不希望說 |
| transcript.whisperx[21].start |
452.364 |
| transcript.whisperx[21].end |
480.61 |
| transcript.whisperx[21].text |
把高齡者只有年齡來做個區隔這個不太對的那我覺得應該是說對他來講要有基本的尊重但是要有一個高度的保護而且要更特別的保護才對他們如果年輕人今天一些存款吃了虧因為理財購買過程吃了虧他改天還有再賺回來的機會那高齡的金融消費者 |
| transcript.whisperx[22].start |
482.267 |
| transcript.whisperx[22].end |
508.559 |
| transcript.whisperx[22].text |
都已經年屆65歲以上那已經不可能重新再就業再額外的金錢來投入嘛他剩的這一些就是他要終老所用照說這些理財專員沒資格就不要來當銀行金融機構對這一部分理財專員的認定考核竟然是那麼鬆散 |
| transcript.whisperx[23].start |
510.899 |
| transcript.whisperx[23].end |
535.009 |
| transcript.whisperx[23].text |
那包括評鑑 有啦你們有做評鑑齁我看了一下你們對於受險產險這些金融機構當然是包括銀行齁你們有評鑑啦那你們評鑑這也是111年到113年76家金融業者評鑑只有6家欸只有6家列入優等天啊 |
| transcript.whisperx[24].start |
537.028 |
| transcript.whisperx[24].end |
561.639 |
| transcript.whisperx[24].text |
那更糟糕的是另外有三家被你們列到這個我簡單講那個叫列等啦那三家是列等的那三家裡面壽險一家 產檢一家 銀行一家天啊 那我們委員會我們一次要求就是說這樣子 |
| transcript.whisperx[25].start |
563.57 |
| transcript.whisperx[25].end |
577.061 |
| transcript.whisperx[25].text |
至少先把這些劣等的連續三年劣等末段班的公佈名稱讓社會大眾知道尤其讓高齡金融消費者知道銀行那麼多壽險業者那麼多來去北京就好我們為什麼要來你這邊 |
| transcript.whisperx[26].start |
585.498 |
| transcript.whisperx[26].end |
599.329 |
| transcript.whisperx[26].text |
至少對他們有一個警示 警示給社會大眾知道同時也對這三家惡劣業者 等於是對他們的一種處罰否則你現在 欸 評鑑歸評鑑啦齁啊你說沒關係啦 這個我們知道啊我們要把他們就近看管齁啊儘管會 銀行局 保險局會加強看管他們 |
| transcript.whisperx[27].start |
610.197 |
| transcript.whisperx[27].end |
626.198 |
| transcript.whisperx[27].text |
看管怪看管要嚴加管考這是對的但是公布給社會知道讓所有金融消費者尤其高齡者他們才能夠知道說至少這幾家我不要去破 |
| transcript.whisperx[28].start |
627.267 |
| transcript.whisperx[28].end |
644.497 |
| transcript.whisperx[28].text |
不是這樣嗎我們現在是公布前百分之十五了你公布優等的嘛你公布優等的等於是在幫他們打廣告優等的被官方認證打廣告其實也未嘗不可但是劣等的 |
| transcript.whisperx[29].start |
645.898 |
| transcript.whisperx[29].end |
663.529 |
| transcript.whisperx[29].text |
這是讓我們社會大眾知道 等於警示了所有消費者尤其高齡者 讓他們知道說 銀行 保險公司那麼多我就偏偏不來你這三家末段班這才對 減少爭議嘛好不好 那什麼時候公布我們來演繹一下整個制度 再跟委員報告 |
| transcript.whisperx[30].start |
672.264 |
| transcript.whisperx[30].end |
687.567 |
| transcript.whisperx[30].text |
好啦 最短的時間跟我說明 好不好不只最後末段這三家你中間還有一些名玩不靈的啦 好不好倒數的倒數的十家 我認為都應該公佈好 謝謝好 謝謝我們謝謝王世堅委員的質詢接下來請謝一鳳委員質詢 |