| IVOD_ID |
167600 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/167600 |
| 日期 |
2026-03-18 |
| 會議資料.會議代碼 |
委員會-11-5-20-3 |
| 會議資料.會議代碼:str |
第11屆第5會期財政委員會第3次全體委員會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
5 |
| 會議資料.會次 |
3 |
| 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5會期財政委員會第3次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2026-03-18T11:02:55+08:00 |
| 結束時間 |
2026-03-18T11:13:41+08:00 |
| 影片長度 |
00:10:46 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/4e26a61b53ad605326014caa4aea509052e56fd78df8e6504d1c9dfa77de20980c047472bec184315ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
顏寬恒 |
| 委員發言時間 |
11:02:55 - 11:13:41 |
| 會議時間 |
2026-03-18T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第5會期財政委員會第3次全體委員會議（事由：邀請金融監督管理委員會彭主任委員金隆率所屬機關首長暨中央存款保險股份有限公司、監管相關機構有關之財團法人、臺灣證券交易所股份有限公司、臺灣期貨交易所股份有限公司、臺灣集中保管結算所股份有限公司等董事長、總經理列席業務報告，並備質詢。） |
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我們現在恢復開會 下一位資訊委員請嚴寬衡委員主席各位聯席官員大家好 主席有請金管會彭主委請金管會彭主委委員好主委好 |
| transcript.whisperx[1].start |
25.256 |
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主委2025年5月初的時候台鐵在區間車發現了一個400萬元那原來是調查後發現原來是一名越南的外籍移工跟其他三名共犯一起經營的地下揮隊 |
| transcript.whisperx[2].start |
42.995 |
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那換匯的次數924次然後金額高達兩億三千萬這不是一筆小數目那我國合法的匯兌管道分別是銀行、中介公司跟金管會核准的五家專營外籍移工的小額匯兌公司 |
| transcript.whisperx[3].start |
66.758 |
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我們從數據上面看今晚會核准的這五家揮兌公司在2025年全年交易額是1291億 |
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77.359 |
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乍看之下很多但是你跟這四名這個嫌犯他們四名經營的這個地下換匯就可以高達兩億了所以難以想像說還有多少沒有被你們查到的這個數目有多大這個不用我想我從以前就非常關心這個議題那也詢問過主委要如何改善這樣子的情況但是目前看起來應該是效果還是很有限 |
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那在這部分的監理應該是還有很大的空間可以進步只是一個案件就有兩億那四個人就可以做這樣子的一個規模那我們是否有掌握這個整體目前台灣的整體地下會對的黑市有多龐大主委可以說明一下嗎 |
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謝謝委員我想在這邊也在呼籲因為我們這個匯兌業務是銀行法的特許事業違反是有非常重的刑責那當然金管會不是一個查緝單位但是我們也在這邊呼籲我們有匯款需要還是走合法的管道 |
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那這裡當然這部分我們也會跟相關的檢調單位來合作針對這些不法的匯兌然後加強這些的查緝那當然我們也一方面也會考慮到市場所需像我們剛才我們陸續的開放5家外籍義工的匯款公司 |
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也降低了他們的成本也增加可敬性比如他們都可以用數位的方式用APP就可以做到這些事情我想這部分我們會盡量來努力那犯罪行為當然要靠我們多方面來這個查緝那有沒有想過為什麼移工裡面冒險你是要進行這種的非法換匯他們的原因是什麼 |
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這部分的話我想這個任何應該都是以他自己的比較利益來看當然我們也想說任何一個合法的單位他必須要受到監管我想這部分這個詳細的部分我們請銀行局我們時間有限大概就是他的你說剛剛說的這個 |
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210.925 |
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他的優勢吧 就是說相對利益 第一個就是費率可能比較好然後手續費比較低 然後比較方便嘛就大概是這三種 不然的話一般人不會寧願冒著這個犯法違法 甚至於被處罰甚至於這些所有辛辛苦苦打工賺的錢 結果變成不法的這樣子被凍結所以大概就是這三個問題 那還有一個就是說我們 |
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監管會目前政府的這三個管道來講對移工來講比如說他去銀行換他都要上班啊那他銀行的時間他要上班他怎麼去他沒辦法去嘛那另外請託委託人力中介公司那人力中介公司是不是另外要跟他收手續費這部分就變成他的成本嘛那所以這個部分可能就考慮那另外你說手機APP這個部分確實是很方便 |
| transcript.whisperx[12].start |
263.537 |
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我們認為說這樣子就很方便如果假設台北市是這樣子台中市也一樣六度都一樣如果在偏鄉或者是說在一些比較 |
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276.516 |
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比較遠的一些工業區或者是一些農莊這樣子的情況他可能好幾公里都沒有一個便利店所以這對他們來講就很不方便甚至於說沒有辦法做到所以往往很多這個地方就會有一些非法換貨的業者只要有客群又有錢賺這我們都抓不到所以這種東西是沒有辦法根絕所以我想說主委可不可以提出一個具體改善的一個 |
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譬如說方法還是說一個時程讓移工更還有就是說如何讓移工願意來使用我們政府為他們設計的這樣子一個換匯的一個管道這個才是重點吧對那個我請你講簡短回應一下 |
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謝謝委員跟委員報告就是我們為了要讓外籍移工能夠使用更便宜更便利的管道我們的確已經有成立了5家這個外籍移工會的公司那我們過去的調查是這些公司他每一次的這個收的手續費大概是100塊左右所以相對來講是很便宜那剛才委員所講的相關的案例就是越南籍的移工那這個部分我們有跟勞動部有比對過相關的資訊 |
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平均現在的外籍移工大概他在台灣賺100塊會匯回他的母國大概80塊到90塊那我們也發現大概像印尼、泰國、菲律賓等等他的確都是透過這五家來把賺的錢匯回去但相對來講越南會比較低的越南籍的移工利用我們這五家外籍移工匯兌匯回去的錢大概是100塊 |
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376.772 |
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他會60塊會透過我們這五家的外籍移工會的公司來做那顯然大概就是有20%到30%的錢他不會走這麼便宜這麼便利的一個管道那就業者回饋的意見是這個有可能也會涉及到母國對於外匯相對來講管制會不會比較嚴也就是說可能我們當地在越南的台商他有錢要匯回來但是不是那麼方便那這個就會有這個法規套利的空間 |
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406.679 |
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對 所以我們都知道原因嘛 對不對所以這減少的那兩成要用什麼樣的方法怎麼勸導 怎麼樣來制度的設計才有辦法讓它都合法 盡量的合法你相對跟印尼跟其他國家比較它有八成 可是你跟印尼跟越南一比就少到那兩成嘛這是你們取得的資訊那至於說還有一些黑數呢還有一些不知道的呢 對不對所以這個部分我想 其實 |
| transcript.whisperx[19].start |
434.64 |
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制度方法那重點就是說相對利益嘛方便然後手續會低對不對這個就是他們在意了嘛他來就是要賺錢他就是要多錢回去所以這個部分我想我們知道了原因那就是找出方法然後設計方法 |
| transcript.whisperx[20].start |
453.76 |
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所以委員的建議非常的具體啦我想這部分我們來去了解然後看看怎麼樣增加我們這些的便利性跟普及性然後來降低這個我們地下會對的這個誘因是是好謝謝主委那再請教我們這個經管會宣布強化保險業資安要求所以要設置資訊安全長這個 |
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478.422 |
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493.762 |
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這個職務那從這個資產規模超過三千億的保險公司就必須設置治安長我想請教主委這個門檻三千億為什麼是三千億五千億還是六千億為什麼是三千億 |
| transcript.whisperx[22].start |
495.166 |
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因為我想這部分是我們在監理上的經驗我們覺得說其實一個公司如果來到了3000億基本上已經有一定的規模剛開始因為尤其治安的問題越來越重要一開始我們是希望它等於比較是這個 |
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511.843 |
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希望是他自己主動來設那當然我們希望說這部分已經成為金融韌性經營的非常重要的點那我們希望把這個門檻把它往下希望我們這個保險運營能夠強化他的治安因為至少有專人專責至少他至少就會更重視這件事情 |
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532.63 |
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557.901 |
| transcript.whisperx[24].text |
對 因為現在大部分都已經高度的數位化這個保險商品都可以透過線上來做投保那也大量使用APP還有這些網站跟各種平台來做這些資料的管理但是後面就是像你剛剛提到的說保護的這些身份資料 財務資訊 保單內容甚至還包含一些醫療紀錄 健康資訊都是屬於極度敏感的一些個人資料 |
| transcript.whisperx[25].start |
558.701 |
| transcript.whisperx[25].end |
583.02 |
| transcript.whisperx[25].text |
那如果發生治安事件就不只是一個帳戶的號碼的外洩它可能就是說影響層面很廣後續再衍生出來一些比如說像是詐騙然後各自的濫用這些都是我們民眾最擔心的所以整體的一個治安防護如何真的有效所以剛剛只有你提到這部分就是要非常注重 |
| transcript.whisperx[26].start |
584.261 |
| transcript.whisperx[26].end |
599.234 |
| transcript.whisperx[26].text |
除了設置這個植物之外要如何有沒有定期的做一個資安的集合是由於我們自己金管會來主動的要求還是只是任由業者來自行管理 |
| transcript.whisperx[27].start |
599.574 |
| transcript.whisperx[27].end |
626.865 |
| transcript.whisperx[27].text |
沒有我想他們自己在做這個部分他自己就有幾道的防線來做這件事情再來就是我們會有兩個一個就是我們例行性的精簡資安都是重點再來就是我們假設有發生資安事件的時候或疑慮我們就會有專案去做我想這部分除了他自己的內部的內控集合以外還有就是我們外部的監理也會來強化因為資安越來越重要其實我們最近對那個金融經營的韌性這部分的考慮越來越重 |
| transcript.whisperx[28].start |
627.165 |
| transcript.whisperx[28].end |
644.142 |
| transcript.whisperx[28].text |
所以希望這個部分他們來強化對 外部監理我們就趕快要主動抽查這個部分對 是做這樣子的一個 還是說再委託第三方沒有 我們現在的話大部分都是由我們自己檢察局跟我們的業務局做這一樣的事情好的 謝謝主委謝謝 |