| IVOD_ID |
166148 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/166148 |
| 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 |
2025-12-03T11:49:19+08:00 |
| 結束時間 |
2025-12-03T12:01:25+08:00 |
| 影片長度 |
00:12:06 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/d5a4ce084af309d663bb26a78b04875f09a18256bf6bdfeb7a6b5dab788943100a24d4c92cf601975ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
羅明才 |
| 委員發言時間 |
11:49:19 - 12:01:25 |
| 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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金融大家都很關心那現在詐騙很多究竟你們掌握的手中的太陽有大概幾種 |
| transcript.whisperx[1].start |
22.625 |
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45.386 |
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那這一年來這個貴單位打擊犯罪特別是在這個詐騙方面你們的案例有多少金額又是多少我想跟委員報告因為這個金管會只是在整個國家這個打詐裡面的負責金融金流主詐的這一塊 |
| transcript.whisperx[2].start |
46.789 |
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58.217 |
| transcript.whisperx[2].text |
那當然所有的樣態在警政署的那個上面都有清楚的公佈我們剛才幾個委員也關切裡面從金額最大應該是所謂的投資詐騙再來就是購物詐騙 交友詐騙大概是這樣的形態 |
| transcript.whisperx[3].start |
62.649 |
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79.045 |
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請問投資的話大概金額是多少投資的話剛剛有提到就是那個比重是因為投資上次那個警政署的報告裡面他有提到就是投資通常就是他有個很大的特質就是當這個受騙當事人發現的時候都經過一段很長的時間 |
| transcript.whisperx[4].start |
80.106 |
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98.375 |
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而且他們通常匯款的或是交付款項的期間都很長等到他開始金絕以後通常來講這個金額都很大再來就是而且金流的部分大概都已經都已經經過很久的時間要追償所以他金額很大件數可能不用很多但是金額就會佔比比較高 |
| transcript.whisperx[5].start |
99.56 |
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127.232 |
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所以大致講起來這次詐騙的過程當中有沒有可能會出現五百塊或一千塊或者是五萬十萬這樣的案例多不多其實如果按照總金額來看剛才投資詐騙的金額平均的這個詳細數字我不記得不過檢診所他會統計確實每個單件案子的那個金額是蠻高但是購物詐騙那些就相對比較微小其他的部分就比較小 |
| transcript.whisperx[6].start |
128.659 |
| transcript.whisperx[6].end |
155.467 |
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那全民打詐 當然是全民一起來可是卑躬攝影造成人心惶惶特別是很多的民眾去銀行臨櫃的時候發現我的帳戶為什麼不能用這樣凍結的帳戶目前有幾戶其實我們應該是這是個別銀行在做其實上我們大概現在數據我們沒有確切的掌握我們可能再去了解一下再跟委員報告 |
| transcript.whisperx[7].start |
156.4 |
| transcript.whisperx[7].end |
176.372 |
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這個差很多因為它是一個動態的狀況它隨時可能都會變動這樣好 動態 那去昨天就不算動態因為昨天你過那昨天有沒有這樣的統計數字因為我們在20年前大家想想看那時候生活過了四海生平 |
| transcript.whisperx[8].start |
177.773 |
| transcript.whisperx[8].end |
199.65 |
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從來不會想像說人民自己的財產突然有一天你去臨櫃領錢的時候我的帳戶不能用被凍結啊那很多老人家遇到這樣的情況很害怕因為他等一下去看醫生啊手上剛好沒有錢啊或者是子女學費明天要繳學費突然去ATM轉帳帳戶被凍結所以 |
| transcript.whisperx[9].start |
205.747 |
| transcript.whisperx[9].end |
220.247 |
| transcript.whisperx[9].text |
當這個情況非常嚴格或者說很謹慎全部從這個地方開始動起來的時候造成相對的影響請問這樣子大概被影響的人有多少 |
| transcript.whisperx[10].start |
221.314 |
| transcript.whisperx[10].end |
238.439 |
| transcript.whisperx[10].text |
我想說這部分我這邊沒有具體的數據啦當然是因為是每家銀行個別狀況的不同那情況多不多啊這個情況如果從個案數來講是應該是不少不少 對但是因為從個案數但是如果從我們整個整個總帳戶的這個 |
| transcript.whisperx[11].start |
241.232 |
| transcript.whisperx[11].end |
264.686 |
| transcript.whisperx[11].text |
來看是比例是很低啦我們總共有兩億多個帳戶對不對全國那實際上每次這樣一個比例來講可能是幾百幾千戶我想這部分可能我們會我們未來強力的要求銀行一定要做到精準這個就是一個拿捏啦過猶不及啦你這個大動作的下去剛剛就是數百數千影響的就是數千人 |
| transcript.whisperx[12].start |
265.946 |
| transcript.whisperx[12].end |
293.352 |
| transcript.whisperx[12].text |
這影響也說不可謂不大就你碰到的時候缺錢的當下缺錢的人他就覺得哇覺得很害怕覺得很惶恐因為20年前沒有發生這樣的情況所以是不是主委這邊可以想一下怎麼樣來找到一個平衡點其實我們最起碼民眾 |
| transcript.whisperx[13].start |
294.554 |
| transcript.whisperx[13].end |
323.635 |
| transcript.whisperx[13].text |
他在用他自己的帳戶的時候他是人民私人的財產你突然就把他凍結掉他覺得有時候真的是很不便利而且會覺得有一種這個帳戶凍結的症候群一想到碰到就會怕怕的啊那還有一個問題就是現在究竟使用現金的情況跟以前你們有沒有做個比較 |
| transcript.whisperx[14].start |
324.471 |
| transcript.whisperx[14].end |
352.019 |
| transcript.whisperx[14].text |
其實我們可以看到那個透過那個非現金的那個交易的比數是越來越比重越來越高大概比率是多少我們上次超過好像是60億還80億筆的資料就是說這個交易就是說我們現在國人使用非現金的比重確實在快速的增加中你可不可以說你們要加強管理這個是我是贊成的那你加強管理你可以用AI啊 |
| transcript.whisperx[15].start |
354.861 |
| transcript.whisperx[15].end |
369.197 |
| transcript.whisperx[15].text |
不要變成全面性的讓大家感到人人自危你可以用你AI智慧的辦法去做金管會現在有沒有啟動 |
| transcript.whisperx[16].start |
370.629 |
| transcript.whisperx[16].end |
388.886 |
| transcript.whisperx[16].text |
AI的行動其實我們在根文報告我們那個金融科技聯盟裡面本來就有一個專門利用AI來做這些相關的處理的那現在他們已經有一些具體的作為跟呈現那是跨金融機構之間的作為效果好不好 |
| transcript.whisperx[17].start |
389.646 |
| transcript.whisperx[17].end |
413.163 |
| transcript.whisperx[17].text |
效果當然是都在測試中因為民眾對這個要求很高就是民眾幾乎是要零誤差我想這個所有的AI模型不可能做到這種程度但是我們講說我們做不好值得檢討 這沒什麼藉口但是就是說我們一定把它做到我們能力能做得最好現在到處都進入一個AI的世界剛剛主委也講 |
| transcript.whisperx[18].start |
414.875 |
| transcript.whisperx[18].end |
441.25 |
| transcript.whisperx[18].text |
金管會也啟動相關AI的智慧的推動另外一方面有人說美國一些報導說現在高科技這些像AI周邊的股價估值有點過高不曉得主委你的看法怎麼樣我想市場的意見本來就很多元這個部分也很多的分析我想我們都 |
| transcript.whisperx[19].start |
442.324 |
| transcript.whisperx[19].end |
467.271 |
| transcript.whisperx[19].text |
也都會關注到各式各樣的論點但是我們從金管會角度我們本來就是把這種任何的不確定因素都視為我們日常所要關注的點各種的說法都有那各種的論證我覺得這些東西都是需要我們來關注的地方那會不會過高呢這個我剛才講過各種的看法都有因為好 那這樣子我們相反的來看一下國內的一些傳產股 |
| transcript.whisperx[20].start |
469.664 |
| transcript.whisperx[20].end |
476.803 |
| transcript.whisperx[20].text |
現在有一些雞蛋碎焦骨甚至一些傳產表現非常差那主委你會覺得他們的估值過低 |
| transcript.whisperx[21].start |
477.833 |
| transcript.whisperx[21].end |
478.073 |
| transcript.whisperx[21].text |
現在看到國內 |
| transcript.whisperx[22].start |
504.486 |
| transcript.whisperx[22].end |
528.421 |
| transcript.whisperx[22].text |
上市上過1850家左右的公司有多少間是超過一千塊的我沒有這個數字從過去的四千斤變八千斤現在好像一直持續在成長我們看到過去張振山他當任局長有為有首大概是幾年的時間差不多五年五年了 |
| transcript.whisperx[23].start |
531.075 |
| transcript.whisperx[23].end |
550.01 |
| transcript.whisperx[23].text |
我看著他 他當那個政情局的局長股票從一萬變兩萬點兩萬點即將要翻越三萬點的時候主委 他是發生什麼事你怎麼把他換掉呢不是換掉 他就我們接種他去另外一個單位擔任負責人 |
| transcript.whisperx[24].start |
551.758 |
| transcript.whisperx[24].end |
564.684 |
| transcript.whisperx[24].text |
那他是有你是意思說他是高升還是民生暗將不是還是被頂關其實我們他他現在去擔任一個非常重要的職務 |
| transcript.whisperx[25].start |
566.041 |
| transcript.whisperx[25].end |
593.564 |
| transcript.whisperx[25].text |
那什麼原因過去呢這個當然就是我們尊重各醫院還有就是整個的我們對於人力配置的規劃因為太突然了啦也不會啊我們這邊朝夕相處常常會遇到習以為常啦就是質詢啊 見面啊突然那一座山就不見了張震山這一座山不見會影響到我們股市的其他山啊我們還有新任的局長也是非常優秀新任局長是誰 |
| transcript.whisperx[26].start |
594.795 |
| transcript.whisperx[26].end |
622.103 |
| transcript.whisperx[26].text |
我們的我們高精品高高局長高精品哦那你對他有什麼期許哎對啊晶晶亮亮希望股市平平安好那局長你現在擔任局長你對我們這個台灣的證券有什麼期許 |
| transcript.whisperx[27].start |
624.652 |
| transcript.whisperx[27].end |
642.122 |
| transcript.whisperx[27].text |
講幾句吧訓練的大家都很好奇當然就是證券市場首重的就是資訊透明我們大概持續為強化資訊的透明然後提升公司的治理剛剛在我們主委大概11月份有推出請我們兩個交易所推出這個 |
| transcript.whisperx[28].start |
643.002 |
| transcript.whisperx[28].end |
668.642 |
| transcript.whisperx[28].text |
亚洲筹资创新平台这个部分我们会努力来推动刚刚委员有质询到除了我们有台积电护国群山以外我们也希望中小企业也能够在我们这个板块里面都被看见我们整个股票的市场能够蓬勃的发展我们希望说平平安安健健康康股市的发展可以翻越另外一座山 |
| transcript.whisperx[29].start |
669.443 |
| transcript.whisperx[29].end |
684.172 |
| transcript.whisperx[29].text |
每次兩萬七 兩萬八現在都卡在那邊現在你的局長你是高金平高局長希望你平平安不步高股市有沒有機會破三萬點我想這我待會回答因為講過很多次金管會不會對未來做預測如果有一天突然破三萬點健不健康 |
| transcript.whisperx[30].start |
697.677 |
| transcript.whisperx[30].end |
719.885 |
| transcript.whisperx[30].text |
那個委員就會要兌現你的承諾了就是啊 珍奶加雞排啊三萬點還要另外再增加啦再加個巧克力好了祝你越來越美麗股市越來越亮麗 謝謝謝謝委員好 謝謝樓邊財委員好 也請那個高局長加油好 我們 |