| 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 |
| 支援功能[1] |
gazette |
| 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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64.105 |
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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 |
| transcript.whisperx[4].start |
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 |
| transcript.whisperx[5].start |
105.407 |
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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 |
| transcript.whisperx[8].start |
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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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191.654 |
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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 |
| transcript.whisperx[11].start |
237.328 |
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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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275.19 |
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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 |
| transcript.whisperx[13].start |
276.516 |
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305.015 |
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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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306.206 |
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321.792 |
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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 |
| transcript.whisperx[15].start |
325.01 |
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350.257 |
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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 |
| transcript.whisperx[16].start |
351.857 |
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375.952 |
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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 |
| transcript.whisperx[17].start |
376.772 |
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405.418 |
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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 |
| transcript.whisperx[18].start |
406.679 |
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433.679 |
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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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452.859 |
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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 |
| transcript.whisperx[20].end |
475.84 |
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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 |
| transcript.whisperx[21].start |
478.422 |
| transcript.whisperx[21].end |
493.762 |
| transcript.whisperx[21].text |
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 |
| transcript.whisperx[22].end |
510.201 |
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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 |
| transcript.whisperx[23].start |
511.843 |
| transcript.whisperx[23].end |
531.01 |
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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 |
| transcript.whisperx[24].start |
532.63 |
| transcript.whisperx[24].end |
557.901 |
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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 |
| transcript.gazette[0].speaker |
顏委員寬恒 |
| transcript.gazette[0].start |
2026-03-18T11:02:56.495000+08:00 |
| transcript.gazette[0].guessed |
|
| transcript.gazette[0].end |
2026-03-18T11:02:57.815000+08:00 |
| transcript.gazette[0].text |
，主席、各位列席官員，大家好。 |
| transcript.gazette[0].quality |
0.909 |
| transcript.gazette[1].speaker |
顏委員寬恒 |
| transcript.gazette[1].start |
2026-03-18T11:02:57.996000+08:00 |
| transcript.gazette[1].guessed |
|
| transcript.gazette[1].end |
2026-03-18T11:02:58.796000+08:00 |
| transcript.gazette[1].text |
麻煩主席有請金管會彭主委。 |
| transcript.gazette[1].quality |
0.833 |
| transcript.gazette[2].speaker |
主席 |
| transcript.gazette[2].start |
2026-03-18T11:02:58.816000+08:00 |
| transcript.gazette[2].guessed |
|
| transcript.gazette[2].end |
2026-03-18T11:02:59.136000+08:00 |
| transcript.gazette[2].text |
請金管會彭主委。 |
| transcript.gazette[2].quality |
1 |
| transcript.gazette[3].speaker |
彭主任委員金隆 |
| transcript.gazette[3].start |
2026-03-18T11:02:59.156000+08:00 |
| transcript.gazette[3].guessed |
|
| transcript.gazette[3].end |
2026-03-18T11:02:59.176000+08:00 |
| transcript.gazette[3].text |
委員好。 |
| transcript.gazette[3].quality |
1 |
| transcript.gazette[4].speaker |
顏委員寬恒 |
| transcript.gazette[4].start |
2026-03-18T11:02:59.196000+08:00 |
| transcript.gazette[4].guessed |
|
| transcript.gazette[4].end |
2026-03-18T11:02:59.337000+08:00 |
| transcript.gazette[4].text |
主委好。 |
| transcript.gazette[4].quality |
1 |
| transcript.gazette[5].speaker |
顏委員寬恒 |
| transcript.gazette[5].start |
2026-03-18T11:03:21.778000+08:00 |
| transcript.gazette[5].guessed |
|
| transcript.gazette[5].end |
2026-03-18T11:03:45.939000+08:00 |
| transcript.gazette[5].text |
2025年5月初的時候，臺鐵在區間車內發現了400萬元，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匯兌，換匯的次數924次，金額高達2億3,000萬，這不是一筆小數目。 |
| transcript.gazette[5].quality |
0.944 |
| transcript.gazette[6].speaker |
顏委員寬恒 |
| transcript.gazette[6].start |
2026-03-18T11:03:46.739000+08:00 |
| transcript.gazette[6].guessed |
|
| transcript.gazette[6].end |
2026-03-18T11:04:29.404000+08:00 |
| transcript.gazette[6].text |
我國合法的匯兌管道分別是銀行、仲介公司以及金管會核准的五家專營外籍移工小額匯兌公司，我們從數據上面看，金管會核准的這五家匯兌公司在2025年全年交易額是1,291億，乍看之下很多，但是這四名嫌犯所經營的地下換匯就高達2億了，實在難以想像沒有被你們查到的數目有多大？ |
| transcript.gazette[6].quality |
0.914 |
| transcript.gazette[7].speaker |
顏委員寬恒 |
| transcript.gazette[7].start |
2026-03-18T11:04:30.944000+08:00 |
| transcript.gazette[7].guessed |
|
| transcript.gazette[7].end |
2026-03-18T11:04:44.249000+08:00 |
| transcript.gazette[7].text |
我從以前就非常關心這個議題，也詢問過主委要如何改善這樣的情況，但是目前看起來效果還是很有限，這部分的監理應該還有很大的空間可以進步。 |
| transcript.gazette[7].quality |
1 |
| transcript.gazette[8].speaker |
顏委員寬恒 |
| transcript.gazette[8].start |
2026-03-18T11:04:44.889000+08:00 |
| transcript.gazette[8].guessed |
|
| transcript.gazette[8].end |
2026-03-18T11:05:03.017000+08:00 |
| transcript.gazette[8].text |
只是一個案件就有2億，四個人就可以做這樣子的規模，我們是否有掌握目前臺灣的整體地下匯兌黑市有多龐大，主委可以說明一下嗎？ |
| transcript.gazette[8].quality |
0.964 |
| transcript.gazette[9].speaker |
彭主任委員金隆 |
| transcript.gazette[9].start |
2026-03-18T11:05:04.498000+08:00 |
| transcript.gazette[9].guessed |
|
| transcript.gazette[9].end |
2026-03-18T11:05:24.374000+08:00 |
| transcript.gazette[9].text |
謝謝委員，我想在這邊也要呼籲，因為匯兌業務是銀行法的特許事業，違反會有非常重的刑責，雖然金管會不是一個查緝單位，但是我們也在這邊呼籲有匯款需要還是應該走合法的管道。 |
| transcript.gazette[9].quality |
0.934 |
| transcript.gazette[10].speaker |
彭主任委員金隆 |
| transcript.gazette[10].start |
2026-03-18T11:05:26.143000+08:00 |
| transcript.gazette[10].guessed |
|
| transcript.gazette[10].end |
2026-03-18T11:05:50.937000+08:00 |
| transcript.gazette[10].text |
這一部分我們也會跟相關檢調單位合作，針對這些不法的匯兌加強相關查緝，當然我們一方面也會考慮到市場所需，像我們陸續開放五家外籍移工的匯款公司，除了降低他們的成本，也增加可近性，比如他們都可以用數位的方式、用app就可以做到這些事情。 |
| transcript.gazette[10].quality |
0.897 |
| transcript.gazette[11].speaker |
彭主任委員金隆 |
| transcript.gazette[11].start |
2026-03-18T11:05:51.757000+08:00 |
| transcript.gazette[11].guessed |
|
| transcript.gazette[11].end |
2026-03-18T11:05:57.520000+08:00 |
| transcript.gazette[11].text |
這部分我們會儘量來努力，當然犯罪行為要靠多方面來查緝。 |
| transcript.gazette[11].quality |
0.88 |
| transcript.gazette[12].speaker |
顏委員寬恒 |
| transcript.gazette[12].start |
2026-03-18T11:05:57.900000+08:00 |
| transcript.gazette[12].guessed |
|
| transcript.gazette[12].end |
2026-03-18T11:06:03.523000+08:00 |
| transcript.gazette[12].text |
主委有沒有想過為什麼移工寧願冒險也要進行這樣的非法換匯？ |
| transcript.gazette[12].quality |
0.778 |
| transcript.gazette[13].speaker |
顏委員寬恒 |
| transcript.gazette[13].start |
2026-03-18T11:06:03.523000+08:00 |
| transcript.gazette[13].guessed |
|
| transcript.gazette[13].end |
2026-03-18T11:06:04.144000+08:00 |
| transcript.gazette[13].text |
他的原因是什麼？ |
| transcript.gazette[13].quality |
1 |
| transcript.gazette[14].speaker |
彭主任委員金隆 |
| transcript.gazette[14].start |
2026-03-18T11:06:06.654000+08:00 |
| transcript.gazette[14].guessed |
|
| transcript.gazette[14].end |
2026-03-18T11:06:20.602000+08:00 |
| transcript.gazette[14].text |
這部分的話，我想任何人應該都是以他自己的比較利益來看，當然我們認為任何一個合法的單位都必須受到監管，詳細的部分我請銀行局來說明。 |
| transcript.gazette[14].quality |
0.883 |
| transcript.gazette[15].speaker |
顏委員寬恒 |
| transcript.gazette[15].start |
2026-03-18T11:06:22.263000+08:00 |
| transcript.gazette[15].guessed |
|
| transcript.gazette[15].end |
2026-03-18T11:06:49.320000+08:00 |
| transcript.gazette[15].text |
沒關係，時間有限，就像你剛剛說的，它的優勢就是相對利益，第一個是匯率可能比較好，其次是手續費比較低，然後比較方便，大概就是這三種，不然的話，一般人不會寧願冒著犯法、違法，甚至於被處罰的危險，甚至於所有辛辛苦苦打工賺的錢結果變成因為不法而被凍結，所以大概就是這三個問題。 |
| transcript.gazette[15].quality |
0.867 |
| transcript.gazette[16].speaker |
顏委員寬恒 |
| transcript.gazette[16].start |
2026-03-18T11:06:49.620000+08:00 |
| transcript.gazette[16].guessed |
|
| transcript.gazette[16].end |
2026-03-18T11:06:58.110000+08:00 |
| transcript.gazette[16].text |
還有一個就是以目前政府的這三個管道對移工來講，比如他要去銀行換，但是他都在上班啊！ |
| transcript.gazette[16].quality |
0.868 |
| transcript.gazette[17].speaker |
顏委員寬恒 |
| transcript.gazette[17].start |
2026-03-18T11:06:59.770000+08:00 |
| transcript.gazette[17].guessed |
|
| transcript.gazette[17].end |
2026-03-18T11:07:01.391000+08:00 |
| transcript.gazette[17].text |
銀行開門的時間他都在上班，他怎麼去？ |
| transcript.gazette[17].quality |
0.75 |
| transcript.gazette[18].speaker |
顏委員寬恒 |
| transcript.gazette[18].start |
2026-03-18T11:07:01.591000+08:00 |
| transcript.gazette[18].guessed |
|
| transcript.gazette[18].end |
2026-03-18T11:07:02.191000+08:00 |
| transcript.gazette[18].text |
他沒辦法去嘛！ |
| transcript.gazette[18].quality |
1 |
| transcript.gazette[19].speaker |
顏委員寬恒 |
| transcript.gazette[19].start |
2026-03-18T11:07:04.932000+08:00 |
| transcript.gazette[19].guessed |
|
| transcript.gazette[19].end |
2026-03-18T11:07:08.313000+08:00 |
| transcript.gazette[19].text |
如果委託人力仲介公司，人力仲介公司是不是另外要跟他收手續費？ |
| transcript.gazette[19].quality |
0.857 |
| transcript.gazette[20].speaker |
顏委員寬恒 |
| transcript.gazette[20].start |
2026-03-18T11:07:08.313000+08:00 |
| transcript.gazette[20].guessed |
|
| transcript.gazette[20].end |
2026-03-18T11:07:10.614000+08:00 |
| transcript.gazette[20].text |
這部分就變成他的成本嘛！ |
| transcript.gazette[20].quality |
1 |
| transcript.gazette[21].speaker |
顏委員寬恒 |
| transcript.gazette[21].start |
2026-03-18T11:07:11.634000+08:00 |
| transcript.gazette[21].guessed |
|
| transcript.gazette[21].end |
2026-03-18T11:07:13.555000+08:00 |
| transcript.gazette[21].text |
所以這部分可能要加以考慮。 |
| transcript.gazette[21].quality |
0.75 |
| transcript.gazette[22].speaker |
顏委員寬恒 |
| transcript.gazette[22].start |
2026-03-18T11:07:13.675000+08:00 |
| transcript.gazette[22].guessed |
|
| transcript.gazette[22].end |
2026-03-18T11:08:04.267000+08:00 |
| transcript.gazette[22].text |
另外你說的手機app確實是很方便，我們都認為這樣子很方便，假設臺北市是這樣子，臺中市也一樣，六都都一樣，但是如果是在偏鄉或在一些比較遠的工業區，或者是一些農莊，可能附近好幾公里都沒有一家便利商店，所以這對他們來講就很不方便，甚至於沒有辦法做到，所以往往很多地方就會有一些非法換匯的業者，只要有客群又有錢賺，政府又抓不到，所以這種東西沒有辦法根絕，請問主委可不可以提出具體改善的方法或時程？ |
| transcript.gazette[22].quality |
0.888 |
| transcript.gazette[23].speaker |
顏委員寬恒 |
| transcript.gazette[23].start |
2026-03-18T11:08:06.988000+08:00 |
| transcript.gazette[23].guessed |
|
| transcript.gazette[23].end |
2026-03-18T11:08:15.152000+08:00 |
| transcript.gazette[23].text |
如何讓移工願意使用政府為他們設計的換匯管道，這個才是重點吧！ |
| transcript.gazette[23].quality |
1 |
| transcript.gazette[24].speaker |
彭主任委員金隆 |
| transcript.gazette[24].start |
2026-03-18T11:08:16.572000+08:00 |
| transcript.gazette[24].guessed |
|
| transcript.gazette[24].end |
2026-03-18T11:08:16.772000+08:00 |
| transcript.gazette[24].text |
我請局長簡短回應一下。 |
| transcript.gazette[24].quality |
0.8 |
| transcript.gazette[25].speaker |
童局長政彰 |
| transcript.gazette[25].start |
2026-03-18T11:08:20.010000+08:00 |
| transcript.gazette[25].guessed |
|
| transcript.gazette[25].end |
2026-03-18T11:08:20.270000+08:00 |
| transcript.gazette[25].text |
謝謝委員。 |
| transcript.gazette[25].quality |
1 |
| transcript.gazette[26].speaker |
童局長政彰 |
| transcript.gazette[26].start |
2026-03-18T11:08:20.270000+08:00 |
| transcript.gazette[26].guessed |
|
| transcript.gazette[26].end |
2026-03-18T11:08:37.755000+08:00 |
| transcript.gazette[26].text |
跟委員報告，我們為了要讓外籍移工能夠使用更便宜、更便利的管道，的確已經有成立了五家外籍移工匯兌公司，根據過去的調查，這些公司每一次收的手續費大概是100塊左右，所以相對來講是很便宜。 |
| transcript.gazette[26].quality |
0.938 |
| transcript.gazette[27].speaker |
童局長政彰 |
| transcript.gazette[27].start |
2026-03-18T11:08:38.475000+08:00 |
| transcript.gazette[27].guessed |
|
| transcript.gazette[27].end |
2026-03-18T11:09:02.226000+08:00 |
| transcript.gazette[27].text |
剛才委員所講的相關案例是越南籍的移工，這個部分我們有跟勞動部比對過相關資訊，平均現在的外籍移工他在臺灣賺100塊，大概會匯回他的母國80塊到90塊，我們也發現像印尼、泰國、菲律賓等等的移工，的確都是透過這五家把賺的錢匯回去。 |
| transcript.gazette[27].quality |
0.948 |
| transcript.gazette[28].speaker |
童局長政彰 |
| transcript.gazette[28].start |
2026-03-18T11:09:02.947000+08:00 |
| transcript.gazette[28].guessed |
|
| transcript.gazette[28].end |
2026-03-18T11:09:23.394000+08:00 |
| transcript.gazette[28].text |
相對來講，越南比較低，越南籍移工利用這五家外籍移工匯兌公司匯回去的錢，大概是100塊當中有60塊會透過這五家外籍移工匯兌公司來做，顯然有20%到30%的錢他不會走這麼便宜、這麼便利的管道。 |
| transcript.gazette[28].quality |
0.911 |
| transcript.gazette[29].speaker |
童局長政彰 |
| transcript.gazette[29].start |
2026-03-18T11:09:24.255000+08:00 |
| transcript.gazette[29].guessed |
|
| transcript.gazette[29].end |
2026-03-18T11:09:40.418000+08:00 |
| transcript.gazette[29].text |
就業者回饋的意見，這有可能也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，可能在越南當地的臺商有錢要匯回來，但並不是那麼方便，這就會有套利的空間…… |
| transcript.gazette[29].quality |
0.958 |
| transcript.gazette[30].speaker |
顏委員寬恒 |
| transcript.gazette[30].start |
2026-03-18T11:09:41.679000+08:00 |
| transcript.gazette[30].guessed |
|
| transcript.gazette[30].end |
2026-03-18T11:09:44.080000+08:00 |
| transcript.gazette[30].text |
對，所以我們都知道原因嘛，對不對？ |
| transcript.gazette[30].quality |
1 |
| transcript.gazette[31].speaker |
顏委員寬恒 |
| transcript.gazette[31].start |
2026-03-18T11:09:44.080000+08:00 |
| transcript.gazette[31].guessed |
|
| transcript.gazette[31].end |
2026-03-18T11:09:53.107000+08:00 |
| transcript.gazette[31].text |
所以減少的那兩成要用什麼樣的方法、怎麼勸導、怎麼樣的制度設計，才有辦法讓他儘量合法？ |
| transcript.gazette[31].quality |
0.895 |
| transcript.gazette[32].speaker |
顏委員寬恒 |
| transcript.gazette[32].start |
2026-03-18T11:09:55.509000+08:00 |
| transcript.gazette[32].guessed |
|
| transcript.gazette[32].end |
2026-03-18T11:10:04.896000+08:00 |
| transcript.gazette[32].text |
印尼或其他國家有八成，可是越南跟印尼一比就少掉了兩成，這是你們取得的資訊，至於說還有一些黑數呢？ |
| transcript.gazette[32].quality |
0.886 |
| transcript.gazette[33].speaker |
顏委員寬恒 |
| transcript.gazette[33].start |
2026-03-18T11:10:05.457000+08:00 |
| transcript.gazette[33].guessed |
|
| transcript.gazette[33].end |
2026-03-18T11:10:06.278000+08:00 |
| transcript.gazette[33].text |
還有一些不知道的呢？ |
| transcript.gazette[33].quality |
1 |
| transcript.gazette[34].speaker |
顏委員寬恒 |
| transcript.gazette[34].start |
2026-03-18T11:10:06.818000+08:00 |
| transcript.gazette[34].guessed |
|
| transcript.gazette[34].end |
2026-03-18T11:10:21.633000+08:00 |
| transcript.gazette[34].text |
針對這個部分，我們要有一些制度與方法，重點就在於相對利益，要方便，手續費低，這個就是他們在意的，他們來就是要賺錢，他們就是要拿比較多錢回去。 |
| transcript.gazette[34].quality |
0.726 |
| transcript.gazette[35].speaker |
顏委員寬恒 |
| transcript.gazette[35].start |
2026-03-18T11:10:22.774000+08:00 |
| transcript.gazette[35].guessed |
|
| transcript.gazette[35].end |
2026-03-18T11:10:27.839000+08:00 |
| transcript.gazette[35].text |
針對這個部分，既然我們知道原因，那就是要找出方法，然後設計方法。 |
| transcript.gazette[35].quality |
0.821 |
| transcript.gazette[36].speaker |
彭主任委員金隆 |
| transcript.gazette[36].start |
2026-03-18T11:10:29.140000+08:00 |
| transcript.gazette[36].guessed |
|
| transcript.gazette[36].end |
2026-03-18T11:10:41.752000+08:00 |
| transcript.gazette[36].text |
委員的建議非常具體，這部分我們會去了解，看看怎麼樣增加這方面的便利性和普及性，然後降低地下匯兌的誘因。 |
| transcript.gazette[36].quality |
0.872 |
| transcript.gazette[37].speaker |
顏委員寬恒 |
| transcript.gazette[37].start |
2026-03-18T11:10:42.793000+08:00 |
| transcript.gazette[37].guessed |
|
| transcript.gazette[37].end |
2026-03-18T11:10:43.073000+08:00 |
| transcript.gazette[37].text |
好，謝謝主委。 |
| transcript.gazette[37].quality |
1 |
| transcript.gazette[38].speaker |
顏委員寬恒 |
| transcript.gazette[38].start |
2026-03-18T11:10:43.333000+08:00 |
| transcript.gazette[38].guessed |
|
| transcript.gazette[38].end |
2026-03-18T11:10:59.630000+08:00 |
| transcript.gazette[38].text |
接下來再請教金管會宣布為了強化保險業資安要求，所以要設置資訊安全長這個職務，資產規模超過3,000億的保險公司就必須設置資安長。 |
| transcript.gazette[38].quality |
0.86 |
| transcript.gazette[39].speaker |
顏委員寬恒 |
| transcript.gazette[39].start |
2026-03-18T11:10:59.630000+08:00 |
| transcript.gazette[39].guessed |
|
| transcript.gazette[39].end |
2026-03-18T11:11:03.515000+08:00 |
| transcript.gazette[39].text |
我想請教主委，為什麼門檻是3,000億，為什麼不是5,000億還是6,000億？ |
| transcript.gazette[39].quality |
0.36 |
| transcript.gazette[40].speaker |
顏委員寬恒 |
| transcript.gazette[40].start |
2026-03-18T11:11:03.515000+08:00 |
| transcript.gazette[40].guessed |
|
| transcript.gazette[40].end |
2026-03-18T11:11:05.758000+08:00 |
| transcript.gazette[40].text |
為什麼是3,000億？ |
| transcript.gazette[40].quality |
0.833 |
| transcript.gazette[41].speaker |
彭主任委員金隆 |
| transcript.gazette[41].start |
2026-03-18T11:11:11.047000+08:00 |
| transcript.gazette[41].guessed |
|
| transcript.gazette[41].end |
2026-03-18T11:11:18.735000+08:00 |
| transcript.gazette[41].text |
這部分是在監理上的經驗，我們覺得一家公司的資產如果來到了3,000億，基本上已經有一定的規模。 |
| transcript.gazette[41].quality |
0.875 |
| transcript.gazette[42].speaker |
彭主任委員金隆 |
| transcript.gazette[42].start |
2026-03-18T11:11:19.455000+08:00 |
| transcript.gazette[42].guessed |
|
| transcript.gazette[42].end |
2026-03-18T11:11:45.990000+08:00 |
| transcript.gazette[42].text |
因為資安的問題越來越重要，一開始我們是希望他自己主動來設，當然這部分已經成為金融韌性經營非常重要的點，我們希望把這個門檻往下，希望保險業能夠強化他的資安，如果有專人專責，至少他就會更重視這件事情。 |
| transcript.gazette[42].quality |
0.945 |
| transcript.gazette[43].speaker |
顏委員寬恒 |
| transcript.gazette[43].start |
2026-03-18T11:11:47.630000+08:00 |
| transcript.gazette[43].guessed |
|
| transcript.gazette[43].end |
2026-03-18T11:12:38+08:00 |
| transcript.gazette[43].text |
對，因為現在大部分都已經高度數位化，保險商品都可以透過線上進行投保，同時也大量使用app以及網站跟各種平臺來做這些資料的管理，但後面就是像你剛剛提到的，保戶的身分資料、財務資訊、保單內容、甚至於包含醫療紀錄、健康資訊，都是屬於極度敏感的個人資料，如果發生資安事件，就不只是一個帳戶號碼的外洩，影響層面很廣，後續可能再衍生出比如像是詐騙、個資的濫用，這些都是我們民眾最擔心的，所以整體的資安防護如何真的有效，剛剛主委提到的這部分要非常注重。是。 |
| transcript.gazette[43].quality |
0.891 |
| transcript.gazette[44].speaker |
顏委員寬恒 |
| transcript.gazette[44].start |
2026-03-18T11:12:39.261000+08:00 |
| transcript.gazette[44].guessed |
|
| transcript.gazette[44].end |
2026-03-18T11:12:45.006000+08:00 |
| transcript.gazette[44].text |
除了設置這個職務之外，有沒有定期做資安的稽核？ |
| transcript.gazette[44].quality |
0.81 |
| transcript.gazette[45].speaker |
顏委員寬恒 |
| transcript.gazette[45].start |
2026-03-18T11:12:45.947000+08:00 |
| transcript.gazette[45].guessed |
|
| transcript.gazette[45].end |
2026-03-18T11:12:54.214000+08:00 |
| transcript.gazette[45].text |
是由金管會主動要求，還是只是任由業者自行管理？ |
| transcript.gazette[45].quality |
1 |
| transcript.gazette[46].speaker |
彭主任委員金隆 |
| transcript.gazette[46].start |
2026-03-18T11:12:54.574000+08:00 |
| transcript.gazette[46].guessed |
|
| transcript.gazette[46].end |
2026-03-18T11:12:59.316000+08:00 |
| transcript.gazette[46].text |
沒有，我想他們自己在做這個部分時就有幾道防線來做這件事情。 |
| transcript.gazette[46].quality |
0.963 |
| transcript.gazette[47].speaker |
彭主任委員金隆 |
| transcript.gazette[47].start |
2026-03-18T11:12:59.496000+08:00 |
| transcript.gazette[47].guessed |
|
| transcript.gazette[47].end |
2026-03-18T11:13:08.580000+08:00 |
| transcript.gazette[47].text |
再來，我們會有兩個做法，一個是在我們例行性的金檢，資安都是重點；其次，假設有發生資安事件或疑慮的時候，我們就會有專案去做。 |
| transcript.gazette[47].quality |
0.815 |
| transcript.gazette[48].speaker |
彭主任委員金隆 |
| transcript.gazette[48].start |
2026-03-18T11:13:09.220000+08:00 |
| transcript.gazette[48].guessed |
|
| transcript.gazette[48].end |
2026-03-18T11:13:23.226000+08:00 |
| transcript.gazette[48].text |
我想這部分除了他們自己內部的內控稽核以外，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，其實我們最近對金融經營的韌性這部分的考慮越來越重，所以希望這部分他們來強化。 |
| transcript.gazette[48].quality |
0.963 |
| transcript.gazette[49].speaker |
顏委員寬恒 |
| transcript.gazette[49].start |
2026-03-18T11:13:23.707000+08:00 |
| transcript.gazette[49].guessed |
|
| transcript.gazette[49].end |
2026-03-18T11:13:27.330000+08:00 |
| transcript.gazette[49].text |
外部監理就是金管會要主動抽查……對，是。 |
| transcript.gazette[49].quality |
0.75 |
| transcript.gazette[50].speaker |
顏委員寬恒 |
| transcript.gazette[50].start |
2026-03-18T11:13:29.593000+08:00 |
| transcript.gazette[50].guessed |
|
| transcript.gazette[50].end |
2026-03-18T11:13:30.994000+08:00 |
| transcript.gazette[50].text |
還是要再委託第三方？ |
| transcript.gazette[50].quality |
0.889 |
| transcript.gazette[51].speaker |
彭主任委員金隆 |
| transcript.gazette[51].start |
2026-03-18T11:13:31.775000+08:00 |
| transcript.gazette[51].guessed |
|
| transcript.gazette[51].end |
2026-03-18T11:13:37.400000+08:00 |
| transcript.gazette[51].text |
沒有，現在大部分都是由我們的檢查局跟業務局做這樣的事情。 |
| transcript.gazette[51].quality |
0.923 |
| transcript.gazette[52].speaker |
顏委員寬恒 |
| transcript.gazette[52].start |
2026-03-18T11:13:38.521000+08:00 |
| transcript.gazette[52].guessed |
|
| transcript.gazette[52].end |
2026-03-18T11:13:39.142000+08:00 |
| transcript.gazette[52].text |
好，謝謝主委。謝謝。 |
| transcript.gazette[52].quality |
1 |
| transcript.gazette[53].speaker |
主席 |
| transcript.gazette[53].start |
2026-03-18T11:13:39.642000+08:00 |
| transcript.gazette[53].guessed |
1 |
| transcript.gazette[53].end |
2026-03-18T11:13:41.070571+08:00 |
| transcript.gazette[53].text |
謝謝顏委員。 |
| transcript.gazette[53].quality |
0 |
| transcript.gazette[54].speaker |
主席 |
| transcript.gazette[54].start |
2026-03-18T11:13:41.370571+08:00 |
| transcript.gazette[54].guessed |
1 |
| transcript.gazette[54].end |
2026-03-18T11:13:43.942000+08:00 |
| transcript.gazette[54].text |
下一位請李坤城委員。 |
| transcript.gazette[54].quality |
0 |