| IVOD_ID |
167618 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/167618 |
| 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 |
2026-03-18T11:24:45+08:00 |
| 結束時間 |
2026-03-18T11:36:14+08:00 |
| 影片長度 |
00:11:29 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/4e26a61b53ad605314afc0a2f144da3252e56fd78df8e6504d1c9dfa77de2098b67cecec6b19759e5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
林思銘 |
| 委員發言時間 |
11:24:45 - 11:36:14 |
| 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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| transcript.whisperx[0].start |
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中東戰爭情勢對股市的影響想面對我們不知何時會結束的中東戰爭尤其面臨國際海運的要道 荷姆斯海峽被封鎖 |
| transcript.whisperx[1].start |
23.422 |
| transcript.whisperx[1].end |
45.571 |
| transcript.whisperx[1].text |
所有的運油運氣的這些油輪出入都受到影響所以國際油價是持續在攀升我們看到昨天國際油價攀升的情況紐約商品交易所西德州的終極原油4月的交割價上漲2.9%報價每桶是96.2億美元那個敦北海 |
| transcript.whisperx[2].start |
51.693 |
| transcript.whisperx[2].end |
67.942 |
| transcript.whisperx[2].text |
敦北海布倫特原油五月交割價上漲3.2%收在每桶103.42美元穩居100美元以上我們看到目前我們政府對於油價採取的措施是動漲 |
| transcript.whisperx[3].start |
69.403 |
| transcript.whisperx[3].end |
84.091 |
| transcript.whisperx[3].text |
但是這只是短期的因應做法中長期我們面對國際能源價格的壓力將來高機率會補漲回來各產業的生產成本一定會增加面對消費者物價指數的影響 |
| transcript.whisperx[4].start |
85.992 |
| transcript.whisperx[4].end |
103.501 |
| transcript.whisperx[4].text |
主計總署昨天也保守的估計會影響0.24個百分點我們看到政期局副局長黃仲豪在3月12日指出將會秉持安全透明公平的三個原則及尊重市場機制來監控市場 |
| transcript.whisperx[5].start |
104.844 |
| transcript.whisperx[5].end |
129.645 |
| transcript.whisperx[5].text |
那我們來面對未來生產成本的上漲但消費力道可能減弱各個產業的獲利也可能降低啊金管會你是否有預見這樣一個情況對於未來股市的前景會有怎麼樣的影響金管會是否有任何的因應的備案除了秉持我們這個所謂的安全透明公平三個原則以及尊重市場的機制 |
| transcript.whisperx[6].start |
130.606 |
| transcript.whisperx[6].end |
155.792 |
| transcript.whisperx[6].text |
我們這樣子能夠足夠面對未來的一個情勢的變化嗎謝偉我想今天早上很多很多人都關心這個問題我剛才提到就是說其實在過去資本市場在過去這一年以來從4月2號關稅開始到現在還有加上這個地緣政治衝突包括這一次其實上都帶來對我們資本市場很大的影響 |
| transcript.whisperx[7].start |
156.812 |
| transcript.whisperx[7].end |
179.088 |
| transcript.whisperx[7].text |
那每一次的情況不一樣有些可能很快就結束那這個東西對我們長期經濟的影響就比較比較明確的就落底確定我想資本市場最怕的就是不確定因素那只要任何不確定因素呢就影響投資人的預期這個預期呢就是等於說我們市場機制來做一個消化跟判斷 |
| transcript.whisperx[8].start |
180.73 |
| transcript.whisperx[8].end |
196.002 |
| transcript.whisperx[8].text |
主委我打斷一下你現在講得非常正確因為這一次的美伊戰爭可能就是何時會結束就是處在一個不確定的狀態所以對於未來股市的影響它的力道多大 |
| transcript.whisperx[9].start |
196.943 |
| transcript.whisperx[9].end |
212.894 |
| transcript.whisperx[9].text |
那我們金管會或者是政區局有沒有做過什麼預估除了剛才講的這三個所謂的秉持安全透明公平的原則以及尊重市場機制這三個原則以外金管會還有其他的因應措施嗎 |
| transcript.whisperx[10].start |
213.795 |
| transcript.whisperx[10].end |
231.003 |
| transcript.whisperx[10].text |
我想說這因應措施不會因為這件事情而來但是就是說我們會因為這件事情來檢視我們對於這個應對的方式就剛才前面委員問到就是說比如這次的以這次事件來看比如他比較樂觀很多人說他很快就結束了 |
| transcript.whisperx[11].start |
231.903 |
| transcript.whisperx[11].end |
246.648 |
| transcript.whisperx[11].text |
像前一次的以疫衝突一樣第二次就是可能他會拖著就跟像美國宣稱的大概四個禮拜一個月左右這些短期 中期 長期都有相關的因應的一個措施囉 |
| transcript.whisperx[12].start |
247.188 |
| transcript.whisperx[12].end |
264.707 |
| transcript.whisperx[12].text |
因為這些都是因齁比如說它如果持續下去了那果是什麼那果就是說因為資本市場遲早要反應它基本面嘛就剛才委員提到就是說假設油價持續如果短期性的話很快就消耗掉就沒了但是如果持續下去成本會增加就剛才提到主力總輸出的 |
| transcript.whisperx[13].start |
265.948 |
| transcript.whisperx[13].end |
290.563 |
| transcript.whisperx[13].text |
所以我們比如今年預估7.71可能超過100塊以上就會對於未來產生多覽影響那當然也會影響到未來上市櫃公司他們營收的這樣的可能性和獲利那這樣我們投資人就會去反映他未來對這個東西的預期會反映在資本市場上我想這個部分各種的情境我們都有做過設想以及相關要怎麼樣的因應 |
| transcript.whisperx[14].start |
291.983 |
| transcript.whisperx[14].end |
306.27 |
| transcript.whisperx[14].text |
是那個主委是否我們應該強化市場的監理與異常交易的監控如果股市萬一波動很大的話這個異常交易你們是不是要加強監控還有第二個你們是不是要穩定市場的信心 |
| transcript.whisperx[15].start |
308.111 |
| transcript.whisperx[15].end |
321.62 |
| transcript.whisperx[15].text |
我覺得除了剛才三個原則以外我想這些部分你們都應該要去做而且我們要強化上市櫃公司資訊的揭露讓投資人知道整個重大成本的變動及時揭露給我們投資人 |
| transcript.whisperx[16].start |
327.544 |
| transcript.whisperx[16].end |
342.077 |
| transcript.whisperx[16].text |
對 就是我們會請交易所比如說這時候我們會充分的揭露各種的財業物狀況就像我們前 那委員提到的埔益指數也要告訴大家我想這個都會做啦 都會做 好那另外主委 今年我們詐騙集團啊 |
| transcript.whisperx[17].start |
343.638 |
| transcript.whisperx[17].end |
360.772 |
| transcript.whisperx[17].text |
我們看到詐騙集團大量利用無卡提款進行車手的提款與金流的轉移造成民眾重大的財產損失我想無卡提款雖然提供便利但也成為詐騙集團提款的重要管道 |
| transcript.whisperx[18].start |
361.733 |
| transcript.whisperx[18].end |
377.583 |
| transcript.whisperx[18].text |
所以金管會是否會要求銀行降低這些無卡提款的限額建立異常提款的延遲機制並導入AI金流監控並與警方建立及時的通報機制以有效防堵這些詐騙的金流 |
| transcript.whisperx[19].start |
380.149 |
| transcript.whisperx[19].end |
383.731 |
| transcript.whisperx[19].text |
我們有持續在跟委員報告因為詐騙的手法不斷的翻新但是我們會很快的根據這個做經驗的分享就比如說我們現在銀行公會裡面有個防詐委員會我們也責成他 |
| transcript.whisperx[20].start |
400.74 |
| transcript.whisperx[20].end |
425.415 |
| transcript.whisperx[20].text |
要針對任何的新的東西要趕快的去做經驗的分享這部分提供一些比如說主詐的作為我想剛剛講的都是我們現在日常都在做其實我們現在看到無卡提款它的一個手法它的手法就是詐騙集團它透過手機取得無卡提款的這個密碼那車手就到ATM快速提領現金 |
| transcript.whisperx[21].start |
427.296 |
| transcript.whisperx[21].end |
449.91 |
| transcript.whisperx[21].text |
就是不需要提款卡他取款的速度就很快車手也難以追查所以成為詐騙集團常用的一個提款方式所以面對這種本來給大家便利的結果詐騙集團利用這樣的一個無卡提款的一個便利性成為詐騙的一個方式一個手段所以這種新興的詐騙手段 |
| transcript.whisperx[22].start |
451.371 |
| transcript.whisperx[22].end |
474.624 |
| transcript.whisperx[22].text |
那金管會你們未來要如何的去防堵其實我們現在初步是這樣啦因為像這種無卡提款的便利越便利的話越容易做的這樣我們現在是請他訂一個上限像比如說我們看到有些銀行是每筆頂多兩萬一天就三萬塊當然這個就是只有治標沒治本但是我們就說針對各種不同型態我們有因應再來看看這個作為 |
| transcript.whisperx[23].start |
475.985 |
| transcript.whisperx[23].end |
493.821 |
| transcript.whisperx[23].text |
會不會有什麼樣的一個問題有沒有有效性既然有人利用這個東西我們就會把它主委我這樣啦本席提出一個要求就是對於這種新型態的犯罪手法監管會是否能夠研擬一個有效防止的一個手段或者方法 |
| transcript.whisperx[24].start |
494.621 |
| transcript.whisperx[24].end |
516.559 |
| transcript.whisperx[24].text |
針對無卡提款的部分來研擬一個有效的一致的一個方案那請就可不可以在兩個禮拜內提供給肯錫以及我們這個財委會剛剛局長跟我講這個已經請工會在研議了我想說就是按照時間這把那個內容我再提供給委員很快可以提出來 |
| transcript.whisperx[25].start |
518.57 |
| transcript.whisperx[25].end |
534.55 |
| transcript.whisperx[25].text |
另外這個最後一個問題啊 主委我們看到最近媒體報導從2024年到現在我們不到65歲的組長級的以上人員有10個人提前退休或轉職而且是跨局處 包含檢察局 銀行局以及證據局 |
| transcript.whisperx[26].start |
536.532 |
| transcript.whisperx[26].end |
557.799 |
| transcript.whisperx[26].text |
請問主委,這樣大量的人事異動,你認為主要的原因是什麼?我想有一個很有趣的問題就是我們的退府制度以去年12月31日為例,假設你是大概60年次以內的同仁如果你沒有在去年12月31日退的話,你必須要等到60歲才能夠領 |
| transcript.whisperx[27].start |
559.512 |
| transcript.whisperx[27].end |
582.167 |
| transcript.whisperx[27].text |
這個月退這樣讓很多的同仁他重新考慮他的職涯是那這個是我們退伍的影響那另外一個是這個他本來在他人生規劃就沒有做到65歲他就提前可能在半年或一年前退休這種東西其實所以說你認為我覺得媒體在報導這個東西把所有各種不同的狀況這樣做 |
| transcript.whisperx[28].start |
583.188 |
| transcript.whisperx[28].end |
602.158 |
| transcript.whisperx[28].text |
你有注意到啊,你有注意到媒體的報導都是我的好同事們,我當然有注意到所以我覺得這個東西用單純數量的相加就得到一個結論其實我想這是其實那個主委,媒體當然媒體的報導他講主要的因素是因為包含過勞與職業而失落所致的 |
| transcript.whisperx[29].start |
603.078 |
| transcript.whisperx[29].end |
618.72 |
| transcript.whisperx[29].text |
他們很具體的認為敘述的原因是說我們許多的職員或主管花費許多的時間在像是做粉專的發文應付大任的會議整理懶人包等等 |
| transcript.whisperx[30].start |
620.342 |
| transcript.whisperx[30].end |
646.17 |
| transcript.whisperx[30].text |
所以這些因素是不是導致他們離職的主要因素因為我自己在過去也是基層公務員起來那雖然在學校教書二十幾年再過來我覺得現在我必須替所有的公務同仁們講一句話確實現在的工作確實挑戰很大那我覺得大家都是靠著一股熱忱跟這些在我想這個不是主要的原因我想主要是整個 |
| transcript.whisperx[31].start |
646.63 |
| transcript.whisperx[31].end |
666.926 |
| transcript.whisperx[31].text |
那我也做一個要求就希望金管會在一個月之內提出完整的我們人才流失報告的檢討還有我們流財與改革的具體方案我想這沒問題但是我在這邊澄清金管會這部分我們現在你要提報告我們意見但是你要求他們做那麼多的報告就是他們工作身家的原因 |
| transcript.whisperx[32].start |
667.606 |
| transcript.whisperx[32].end |
686.311 |
| transcript.whisperx[32].text |
不會啦 這個很簡單啦就只會把剛才葛羅講的這個具體的提出來我想還是要有所要求啦我想藉這個機會我也給所有金管會同仁跟我們周邊單位加油打氣我們不會因為受到這邊報導而影響我想大部分我們還是盡心盡力全力衝刺努力加油啦 OK 好 謝謝 |