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267.094, \"score\": 0.715}]}, {\"start\": 267.874, \"end\": 297.217, \"text\": \"絕對不會有很重大的問題可是重大的問題是在於消費者對於金融商品的不了解以及對於所有投資契約的不了解那所以怎麼樣子減少這樣子認知上面的落差以及減少所謂我們數位的落差也好以及中高零金融消費者對於這些投資商品以及數位落差我相信\", \"words\": [{\"word\": \"絕\"}, {\"word\": \"對\"}, {\"word\": \"不\", \"start\": 267.874, \"end\": 268.515, \"score\": 0.931}, {\"word\": \"會\"}, {\"word\": \"有\", \"start\": 268.515, \"end\": 268.755, \"score\": 0.927}, {\"word\": \"很\", \"start\": 268.755, \"end\": 269.075, \"score\": 0.998}, {\"word\": \"重\", \"start\": 269.075, \"end\": 269.355, \"score\": 0.992}, {\"word\": \"大\", \"start\": 269.355, \"end\": 269.556, \"score\": 0.897}, {\"word\": \"的\", \"start\": 269.556, \"end\": 270.536, \"score\": 0.917}, {\"word\": \"問\"}, {\"word\": \"題\"}, {\"word\": \"可\", \"start\": 270.536, \"end\": 270.656, \"score\": 0.994}, {\"word\": \"是\", \"start\": 270.656, \"end\": 270.857, \"score\": 0.941}, {\"word\": \"重\", \"start\": 270.857, \"end\": 271.217, \"score\": 0.974}, {\"word\": \"大\", 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\"zh\"}","srt":"1\n00:00:01,946 --> 00:00:19,249\n謝謝委員,恭喜連任,謝謝。我想你作為任期最久的主委,你是不是幫自己打個分數?我跟委員報告,我不太替自己打分數,我想大家去評論,我覺得我還有很多要努力的地方,謝謝。所以你幾分?\n\n2\n00:00:20,311 --> 00:00:24,517\n我自己自律一定督促自己要進步再進步,但是分數由外界去評論。\n\n3\n00:00:38,555 --> 00:01:06,330\n所以你不願意幫自己打分數剛才已經有非常多的委員認為金管會在很多方面尤其是在詐騙部分沒有辦法有具體的作為我想請問你喔你為什麼我看到你的報告裡面你認為金管會阻難詐騙的金額是成績顯著\n\n4\n00:01:07,711 --> 00:01:32,423\n那可是詐騙問題是一個跨部會的問題啊你認為真正的問題是在哪裡呢?因為民眾的感受的確改善的程度不深啊,是不是?的確因為整個詐騙變成一個國際的趨勢專業的手法政府機關在因應上的確有很多地方要再加努力\n\n5\n00:01:33,683 --> 00:01:53,424\n你覺得是哪一個部分的問題?是在電信的部分呢?還是在檢警調?還是其他相關的問題?你身為這個系統性問題裡面的一環,你看的一定比外界的民眾清楚啊,是不是?\n\n6\n00:01:54,278 --> 00:02:22,091\n報告委員其實坦白說跨部會大家都很努力了但是產生詐騙的這種界面有很多嘛金流是一個嘛那電信啊你能處理的是不是只有金流我們處理的是金流跟金融知識的這些教育部分主詐跟部分的市詐主詐部分就是屬於透過銀行的臨櫃或者說是轉帳這部分我們截阻金流\n\n7\n00:02:22,674 --> 00:02:42,290\n那所謂的網路詐騙或名人詐騙這個部分你認為為什麼沒有辦法有效的遏止?那這個其中的原因在哪?我跟您報告那個投資詐騙因為我們已經去年修《投信投顧法》70-1條對於在固定的社群網站平台上去給它下架\n\n8\n00:02:42,930 --> 00:03:02,380\n但是還有很多名人的這些詐騙案他有的不是在那個平台上比方在其他的社群媒體上這個其實需要大家一起在做努力的那其實我們也都包括我們這邊的交易所每天早上都在去搜尋這些網路上這些疑似詐騙的問題\n\n9\n00:03:04,332 --> 00:03:33,108\n所以你認為,照你的說法看來,你認為問題不在你這裡啊?我一直在問你說整個系統性的問題到底在哪裡?我們如果都不知道問題在哪裡,我們怎麼樣解決這個問題?報告委員,其實我絕對承擔金管會該負的責任,不然的話我不會用11頁的報告跟委員報告我們在打造方面做了哪些事情。我覺得那是我們要該負的責任,可是我要跟委員報告,這是一個基本的問題。\n\n10\n00:03:34,489 --> 00:03:52,516\n銀行要去做任何阻詐的事情他第一個必須要有法據第二他也不能夠影響正常的企業跟個人金融中介的功能這兩個不同的價值是需要去做前衡的就一方面如果我為了限制打仗所有的金流轉帳都嚴格限制他\n\n11\n00:03:53,436 --> 00:04:07,329\n更長的時間這個也會影響到金融經濟的發展所以這裡面的法據還有整個做一個權衡這都是我們我想在跨部會討論的時候要去做權衡的再跟您報告還有其實剛才\n\n12\n00:04:09,343 --> 00:04:27,094\n也有委員提到金融消費者的保護的方面其實我也他前面委員講的是你財閥的金額不高其實我知道所有的金融業者他們能夠請最好的法律顧問所以在法律方面就法治面而言\n\n13\n00:04:27,874 --> 00:04:57,217\n絕對不會有很重大的問題可是重大的問題是在於消費者對於金融商品的不了解以及對於所有投資契約的不了解那所以怎麼樣子減少這樣子認知上面的落差以及減少所謂我們數位的落差也好以及中高零金融消費者對於這些投資商品以及數位落差我相信\n\n14\n00:04:58,057 --> 00:05:19,347\n這個部分是金管會我認為你該做而沒做的不應該只就法律層面而是應該就整個消費者跟投資在怎麼樣的認知上面能夠減少這個落差才能有效的遏止金融消費者的所有的問題啊是不是\n\n15\n00:05:20,165 --> 00:05:44,313\n委員您這番指示其實您真是專家我跟您報告為什麼要做金融監理一個就是資訊不對稱就是一個就是系統風險所以資訊不對稱本來就是金管會成立的目的之一您看看今天我寫的報告我們有做多少金融的教育跟知識至於說前面委員說罰款金額逐漸降低我跟委員報告我們現在財閥不是只有罰款我們有停職我們有解職\n\n16\n00:05:45,433 --> 00:05:58,724\n我們有減薪我們還有扣資本額上禮拜我們做了一個禮專的那個裁罰他扣他資本額是30多億喔所以其實我們的裁罰不能只是從罰款的金額去看他的高低\n\n17\n00:06:00,104 --> 00:06:19,843\n今天是第一次委員會再跟昭緯見一分鐘我想了解一下現在我們國內的超額儲蓄創新高不只是企業部門還有我們的個人部門也是創新高那你看在超額儲蓄創新高的時候會不會\n\n18\n00:06:21,314 --> 00:06:43,167\n就是說我們的成交量股市的成交量因為大家不願意為什麼會有超額儲蓄他不願意直接投資嘛國內的投資的前景不看好的情況下可能就做金融投資那股市呢股市有沒有可能未來的日交易量你看是多少4千億還是5千億\n\n19\n00:06:44,830 --> 00:07:05,141\n沒有我們今年預估的每天的交易量比去年有增加了那其實主要也是因為整個包括零股的交易投資人現在很多年輕人願意投入臺灣的股市對臺灣的資本市場有信心所以我覺得這後面有有他基本上理性的判斷在裡面當然股市還是多風險還是要注意風險的\n\n20\n00:07:06,209 --> 00:07:30,429\n那今年股市會不會上兩萬點?報告委員其實監理機關不太適合去評估這個到多少點到今天是上漲那上兩萬點會不會是一個風險的地方?你講啊,是不是?報告委員其實我們你金融監理機關就是評估風險的單位可是我們不會去評估這個股價到多少這個不是監理機關那我是說如果到兩萬點是不是一個風險點?\n\n21\n00:07:31,610 --> 00:07:44,938\n要看這個股市到2萬點後面的理由是什麼?是有具體的利多的消息、正面的消息、資本面的改變?還是只是因為資金充裕的問題?那如果只是資金充裕的問題,會不會是一個過熱點?\n\n22\n00:07:50,225 --> 00:08:10,225\n這個熱跟不熱其實不是監理機關可以去隨便去做不好意思我知道您是很審慎的問我可是我不能夠隨便就這樣子做判斷還是需要有一些分析也許會後可以跟您再多做請益好謝謝謝謝委員謝謝謝一鋒委員的質詢接著我們請葛如君委員質詢\n\n","tsv":"start\tend\ttext\n1946\t19249\t謝謝委員,恭喜連任,謝謝。我想你作為任期最久的主委,你是不是幫自己打個分數?我跟委員報告,我不太替自己打分數,我想大家去評論,我覺得我還有很多要努力的地方,謝謝。所以你幾分?\n20311\t24517\t我自己自律一定督促自己要進步再進步,但是分數由外界去評論。\n38555\t66330\t所以你不願意幫自己打分數剛才已經有非常多的委員認為金管會在很多方面尤其是在詐騙部分沒有辦法有具體的作為我想請問你喔你為什麼我看到你的報告裡面你認為金管會阻難詐騙的金額是成績顯著\n67711\t92423\t那可是詐騙問題是一個跨部會的問題啊你認為真正的問題是在哪裡呢?因為民眾的感受的確改善的程度不深啊,是不是?的確因為整個詐騙變成一個國際的趨勢專業的手法政府機關在因應上的確有很多地方要再加努力\n93683\t113424\t你覺得是哪一個部分的問題?是在電信的部分呢?還是在檢警調?還是其他相關的問題?你身為這個系統性問題裡面的一環,你看的一定比外界的民眾清楚啊,是不是?\n114278\t142091\t報告委員其實坦白說跨部會大家都很努力了但是產生詐騙的這種界面有很多嘛金流是一個嘛那電信啊你能處理的是不是只有金流我們處理的是金流跟金融知識的這些教育部分主詐跟部分的市詐主詐部分就是屬於透過銀行的臨櫃或者說是轉帳這部分我們截阻金流\n142674\t162290\t那所謂的網路詐騙或名人詐騙這個部分你認為為什麼沒有辦法有效的遏止?那這個其中的原因在哪?我跟您報告那個投資詐騙因為我們已經去年修《投信投顧法》70-1條對於在固定的社群網站平台上去給它下架\n162930\t182380\t但是還有很多名人的這些詐騙案他有的不是在那個平台上比方在其他的社群媒體上這個其實需要大家一起在做努力的那其實我們也都包括我們這邊的交易所每天早上都在去搜尋這些網路上這些疑似詐騙的問題\n184332\t213108\t所以你認為,照你的說法看來,你認為問題不在你這裡啊?我一直在問你說整個系統性的問題到底在哪裡?我們如果都不知道問題在哪裡,我們怎麼樣解決這個問題?報告委員,其實我絕對承擔金管會該負的責任,不然的話我不會用11頁的報告跟委員報告我們在打造方面做了哪些事情。我覺得那是我們要該負的責任,可是我要跟委員報告,這是一個基本的問題。\n214489\t232516\t銀行要去做任何阻詐的事情他第一個必須要有法據第二他也不能夠影響正常的企業跟個人金融中介的功能這兩個不同的價值是需要去做前衡的就一方面如果我為了限制打仗所有的金流轉帳都嚴格限制他\n233436\t247329\t更長的時間這個也會影響到金融經濟的發展所以這裡面的法據還有整個做一個權衡這都是我們我想在跨部會討論的時候要去做權衡的再跟您報告還有其實剛才\n249343\t267094\t也有委員提到金融消費者的保護的方面其實我也他前面委員講的是你財閥的金額不高其實我知道所有的金融業者他們能夠請最好的法律顧問所以在法律方面就法治面而言\n267874\t297217\t絕對不會有很重大的問題可是重大的問題是在於消費者對於金融商品的不了解以及對於所有投資契約的不了解那所以怎麼樣子減少這樣子認知上面的落差以及減少所謂我們數位的落差也好以及中高零金融消費者對於這些投資商品以及數位落差我相信\n298057\t319347\t這個部分是金管會我認為你該做而沒做的不應該只就法律層面而是應該就整個消費者跟投資在怎麼樣的認知上面能夠減少這個落差才能有效的遏止金融消費者的所有的問題啊是不是\n320165\t344313\t委員您這番指示其實您真是專家我跟您報告為什麼要做金融監理一個就是資訊不對稱就是一個就是系統風險所以資訊不對稱本來就是金管會成立的目的之一您看看今天我寫的報告我們有做多少金融的教育跟知識至於說前面委員說罰款金額逐漸降低我跟委員報告我們現在財閥不是只有罰款我們有停職我們有解職\n345433\t358724\t我們有減薪我們還有扣資本額上禮拜我們做了一個禮專的那個裁罰他扣他資本額是30多億喔所以其實我們的裁罰不能只是從罰款的金額去看他的高低\n360104\t379843\t今天是第一次委員會再跟昭緯見一分鐘我想了解一下現在我們國內的超額儲蓄創新高不只是企業部門還有我們的個人部門也是創新高那你看在超額儲蓄創新高的時候會不會\n381314\t403167\t就是說我們的成交量股市的成交量因為大家不願意為什麼會有超額儲蓄他不願意直接投資嘛國內的投資的前景不看好的情況下可能就做金融投資那股市呢股市有沒有可能未來的日交易量你看是多少4千億還是5千億\n404830\t425141\t沒有我們今年預估的每天的交易量比去年有增加了那其實主要也是因為整個包括零股的交易投資人現在很多年輕人願意投入臺灣的股市對臺灣的資本市場有信心所以我覺得這後面有有他基本上理性的判斷在裡面當然股市還是多風險還是要注意風險的\n426209\t450429\t那今年股市會不會上兩萬點?報告委員其實監理機關不太適合去評估這個到多少點到今天是上漲那上兩萬點會不會是一個風險的地方?你講啊,是不是?報告委員其實我們你金融監理機關就是評估風險的單位可是我們不會去評估這個股價到多少這個不是監理機關那我是說如果到兩萬點是不是一個風險點?\n451610\t464938\t要看這個股市到2萬點後面的理由是什麼?是有具體的利多的消息、正面的消息、資本面的改變?還是只是因為資金充裕的問題?那如果只是資金充裕的問題,會不會是一個過熱點?\n470225\t490225\t這個熱跟不熱其實不是監理機關可以去隨便去做不好意思我知道您是很審慎的問我可是我不能夠隨便就這樣子做判斷還是需要有一些分析也許會後可以跟您再多做請益好謝謝謝謝委員謝謝謝一鋒委員的質詢接著我們請葛如君委員質詢\n","txt":"謝謝委員,恭喜連任,謝謝。我想你作為任期最久的主委,你是不是幫自己打個分數?我跟委員報告,我不太替自己打分數,我想大家去評論,我覺得我還有很多要努力的地方,謝謝。所以你幾分?\n我自己自律一定督促自己要進步再進步,但是分數由外界去評論。\n所以你不願意幫自己打分數剛才已經有非常多的委員認為金管會在很多方面尤其是在詐騙部分沒有辦法有具體的作為我想請問你喔你為什麼我看到你的報告裡面你認為金管會阻難詐騙的金額是成績顯著\n那可是詐騙問題是一個跨部會的問題啊你認為真正的問題是在哪裡呢?因為民眾的感受的確改善的程度不深啊,是不是?的確因為整個詐騙變成一個國際的趨勢專業的手法政府機關在因應上的確有很多地方要再加努力\n你覺得是哪一個部分的問題?是在電信的部分呢?還是在檢警調?還是其他相關的問題?你身為這個系統性問題裡面的一環,你看的一定比外界的民眾清楚啊,是不是?\n報告委員其實坦白說跨部會大家都很努力了但是產生詐騙的這種界面有很多嘛金流是一個嘛那電信啊你能處理的是不是只有金流我們處理的是金流跟金融知識的這些教育部分主詐跟部分的市詐主詐部分就是屬於透過銀行的臨櫃或者說是轉帳這部分我們截阻金流\n那所謂的網路詐騙或名人詐騙這個部分你認為為什麼沒有辦法有效的遏止?那這個其中的原因在哪?我跟您報告那個投資詐騙因為我們已經去年修《投信投顧法》70-1條對於在固定的社群網站平台上去給它下架\n但是還有很多名人的這些詐騙案他有的不是在那個平台上比方在其他的社群媒體上這個其實需要大家一起在做努力的那其實我們也都包括我們這邊的交易所每天早上都在去搜尋這些網路上這些疑似詐騙的問題\n所以你認為,照你的說法看來,你認為問題不在你這裡啊?我一直在問你說整個系統性的問題到底在哪裡?我們如果都不知道問題在哪裡,我們怎麼樣解決這個問題?報告委員,其實我絕對承擔金管會該負的責任,不然的話我不會用11頁的報告跟委員報告我們在打造方面做了哪些事情。我覺得那是我們要該負的責任,可是我要跟委員報告,這是一個基本的問題。\n銀行要去做任何阻詐的事情他第一個必須要有法據第二他也不能夠影響正常的企業跟個人金融中介的功能這兩個不同的價值是需要去做前衡的就一方面如果我為了限制打仗所有的金流轉帳都嚴格限制他\n更長的時間這個也會影響到金融經濟的發展所以這裡面的法據還有整個做一個權衡這都是我們我想在跨部會討論的時候要去做權衡的再跟您報告還有其實剛才\n也有委員提到金融消費者的保護的方面其實我也他前面委員講的是你財閥的金額不高其實我知道所有的金融業者他們能夠請最好的法律顧問所以在法律方面就法治面而言\n絕對不會有很重大的問題可是重大的問題是在於消費者對於金融商品的不了解以及對於所有投資契約的不了解那所以怎麼樣子減少這樣子認知上面的落差以及減少所謂我們數位的落差也好以及中高零金融消費者對於這些投資商品以及數位落差我相信\n這個部分是金管會我認為你該做而沒做的不應該只就法律層面而是應該就整個消費者跟投資在怎麼樣的認知上面能夠減少這個落差才能有效的遏止金融消費者的所有的問題啊是不是\n委員您這番指示其實您真是專家我跟您報告為什麼要做金融監理一個就是資訊不對稱就是一個就是系統風險所以資訊不對稱本來就是金管會成立的目的之一您看看今天我寫的報告我們有做多少金融的教育跟知識至於說前面委員說罰款金額逐漸降低我跟委員報告我們現在財閥不是只有罰款我們有停職我們有解職\n我們有減薪我們還有扣資本額上禮拜我們做了一個禮專的那個裁罰他扣他資本額是30多億喔所以其實我們的裁罰不能只是從罰款的金額去看他的高低\n今天是第一次委員會再跟昭緯見一分鐘我想了解一下現在我們國內的超額儲蓄創新高不只是企業部門還有我們的個人部門也是創新高那你看在超額儲蓄創新高的時候會不會\n就是說我們的成交量股市的成交量因為大家不願意為什麼會有超額儲蓄他不願意直接投資嘛國內的投資的前景不看好的情況下可能就做金融投資那股市呢股市有沒有可能未來的日交易量你看是多少4千億還是5千億\n沒有我們今年預估的每天的交易量比去年有增加了那其實主要也是因為整個包括零股的交易投資人現在很多年輕人願意投入臺灣的股市對臺灣的資本市場有信心所以我覺得這後面有有他基本上理性的判斷在裡面當然股市還是多風險還是要注意風險的\n那今年股市會不會上兩萬點?報告委員其實監理機關不太適合去評估這個到多少點到今天是上漲那上兩萬點會不會是一個風險的地方?你講啊,是不是?報告委員其實我們你金融監理機關就是評估風險的單位可是我們不會去評估這個股價到多少這個不是監理機關那我是說如果到兩萬點是不是一個風險點?\n要看這個股市到2萬點後面的理由是什麼?是有具體的利多的消息、正面的消息、資本面的改變?還是只是因為資金充裕的問題?那如果只是資金充裕的問題,會不會是一個過熱點?\n這個熱跟不熱其實不是監理機關可以去隨便去做不好意思我知道您是很審慎的問我可是我不能夠隨便就這樣子做判斷還是需要有一些分析也許會後可以跟您再多做請益好謝謝謝謝委員謝謝謝一鋒委員的質詢接著我們請葛如君委員質詢\n","vtt":"WEBVTT\n\n00:01.946 --> 00:19.249\n謝謝委員,恭喜連任,謝謝。我想你作為任期最久的主委,你是不是幫自己打個分數?我跟委員報告,我不太替自己打分數,我想大家去評論,我覺得我還有很多要努力的地方,謝謝。所以你幾分?\n\n00:20.311 --> 00:24.517\n我自己自律一定督促自己要進步再進步,但是分數由外界去評論。\n\n00:38.555 --> 01:06.330\n所以你不願意幫自己打分數剛才已經有非常多的委員認為金管會在很多方面尤其是在詐騙部分沒有辦法有具體的作為我想請問你喔你為什麼我看到你的報告裡面你認為金管會阻難詐騙的金額是成績顯著\n\n01:07.711 --> 01:32.423\n那可是詐騙問題是一個跨部會的問題啊你認為真正的問題是在哪裡呢?因為民眾的感受的確改善的程度不深啊,是不是?的確因為整個詐騙變成一個國際的趨勢專業的手法政府機關在因應上的確有很多地方要再加努力\n\n01:33.683 --> 01:53.424\n你覺得是哪一個部分的問題?是在電信的部分呢?還是在檢警調?還是其他相關的問題?你身為這個系統性問題裡面的一環,你看的一定比外界的民眾清楚啊,是不是?\n\n01:54.278 --> 02:22.091\n報告委員其實坦白說跨部會大家都很努力了但是產生詐騙的這種界面有很多嘛金流是一個嘛那電信啊你能處理的是不是只有金流我們處理的是金流跟金融知識的這些教育部分主詐跟部分的市詐主詐部分就是屬於透過銀行的臨櫃或者說是轉帳這部分我們截阻金流\n\n02:22.674 --> 02:42.290\n那所謂的網路詐騙或名人詐騙這個部分你認為為什麼沒有辦法有效的遏止?那這個其中的原因在哪?我跟您報告那個投資詐騙因為我們已經去年修《投信投顧法》70-1條對於在固定的社群網站平台上去給它下架\n\n02:42.930 --> 03:02.380\n但是還有很多名人的這些詐騙案他有的不是在那個平台上比方在其他的社群媒體上這個其實需要大家一起在做努力的那其實我們也都包括我們這邊的交易所每天早上都在去搜尋這些網路上這些疑似詐騙的問題\n\n03:04.332 --> 03:33.108\n所以你認為,照你的說法看來,你認為問題不在你這裡啊?我一直在問你說整個系統性的問題到底在哪裡?我們如果都不知道問題在哪裡,我們怎麼樣解決這個問題?報告委員,其實我絕對承擔金管會該負的責任,不然的話我不會用11頁的報告跟委員報告我們在打造方面做了哪些事情。我覺得那是我們要該負的責任,可是我要跟委員報告,這是一個基本的問題。\n\n03:34.489 --> 03:52.516\n銀行要去做任何阻詐的事情他第一個必須要有法據第二他也不能夠影響正常的企業跟個人金融中介的功能這兩個不同的價值是需要去做前衡的就一方面如果我為了限制打仗所有的金流轉帳都嚴格限制他\n\n03:53.436 --> 04:07.329\n更長的時間這個也會影響到金融經濟的發展所以這裡面的法據還有整個做一個權衡這都是我們我想在跨部會討論的時候要去做權衡的再跟您報告還有其實剛才\n\n04:09.343 --> 04:27.094\n也有委員提到金融消費者的保護的方面其實我也他前面委員講的是你財閥的金額不高其實我知道所有的金融業者他們能夠請最好的法律顧問所以在法律方面就法治面而言\n\n04:27.874 --> 04:57.217\n絕對不會有很重大的問題可是重大的問題是在於消費者對於金融商品的不了解以及對於所有投資契約的不了解那所以怎麼樣子減少這樣子認知上面的落差以及減少所謂我們數位的落差也好以及中高零金融消費者對於這些投資商品以及數位落差我相信\n\n04:58.057 --> 05:19.347\n這個部分是金管會我認為你該做而沒做的不應該只就法律層面而是應該就整個消費者跟投資在怎麼樣的認知上面能夠減少這個落差才能有效的遏止金融消費者的所有的問題啊是不是\n\n05:20.165 --> 05:44.313\n委員您這番指示其實您真是專家我跟您報告為什麼要做金融監理一個就是資訊不對稱就是一個就是系統風險所以資訊不對稱本來就是金管會成立的目的之一您看看今天我寫的報告我們有做多少金融的教育跟知識至於說前面委員說罰款金額逐漸降低我跟委員報告我們現在財閥不是只有罰款我們有停職我們有解職\n\n05:45.433 --> 05:58.724\n我們有減薪我們還有扣資本額上禮拜我們做了一個禮專的那個裁罰他扣他資本額是30多億喔所以其實我們的裁罰不能只是從罰款的金額去看他的高低\n\n06:00.104 --> 06:19.843\n今天是第一次委員會再跟昭緯見一分鐘我想了解一下現在我們國內的超額儲蓄創新高不只是企業部門還有我們的個人部門也是創新高那你看在超額儲蓄創新高的時候會不會\n\n06:21.314 --> 06:43.167\n就是說我們的成交量股市的成交量因為大家不願意為什麼會有超額儲蓄他不願意直接投資嘛國內的投資的前景不看好的情況下可能就做金融投資那股市呢股市有沒有可能未來的日交易量你看是多少4千億還是5千億\n\n06:44.830 --> 07:05.141\n沒有我們今年預估的每天的交易量比去年有增加了那其實主要也是因為整個包括零股的交易投資人現在很多年輕人願意投入臺灣的股市對臺灣的資本市場有信心所以我覺得這後面有有他基本上理性的判斷在裡面當然股市還是多風險還是要注意風險的\n\n07:06.209 --> 07:30.429\n那今年股市會不會上兩萬點?報告委員其實監理機關不太適合去評估這個到多少點到今天是上漲那上兩萬點會不會是一個風險的地方?你講啊,是不是?報告委員其實我們你金融監理機關就是評估風險的單位可是我們不會去評估這個股價到多少這個不是監理機關那我是說如果到兩萬點是不是一個風險點?\n\n07:31.610 --> 07:44.938\n要看這個股市到2萬點後面的理由是什麼?是有具體的利多的消息、正面的消息、資本面的改變?還是只是因為資金充裕的問題?那如果只是資金充裕的問題,會不會是一個過熱點?\n\n07:50.225 --> 08:10.225\n這個熱跟不熱其實不是監理機關可以去隨便去做不好意思我知道您是很審慎的問我可是我不能夠隨便就這樣子做判斷還是需要有一些分析也許會後可以跟您再多做請益好謝謝謝謝委員謝謝謝一鋒委員的質詢接著我們請葛如君委員質詢\n\n","segments":[{"start":1.946,"end":19.249,"text":"謝謝委員,恭喜連任,謝謝。我想你作為任期最久的主委,你是不是幫自己打個分數?我跟委員報告,我不太替自己打分數,我想大家去評論,我覺得我還有很多要努力的地方,謝謝。所以你幾分?"},{"start":20.311,"end":24.517,"text":"我自己自律一定督促自己要進步再進步,但是分數由外界去評論。"},{"start":38.555,"end":66.33,"text":"所以你不願意幫自己打分數剛才已經有非常多的委員認為金管會在很多方面尤其是在詐騙部分沒有辦法有具體的作為我想請問你喔你為什麼我看到你的報告裡面你認為金管會阻難詐騙的金額是成績顯著"},{"start":67.711,"end":92.423,"text":"那可是詐騙問題是一個跨部會的問題啊你認為真正的問題是在哪裡呢?因為民眾的感受的確改善的程度不深啊,是不是?的確因為整個詐騙變成一個國際的趨勢專業的手法政府機關在因應上的確有很多地方要再加努力"},{"start":93.683,"end":113.424,"text":"你覺得是哪一個部分的問題?是在電信的部分呢?還是在檢警調?還是其他相關的問題?你身為這個系統性問題裡面的一環,你看的一定比外界的民眾清楚啊,是不是?"},{"start":114.278,"end":142.091,"text":"報告委員其實坦白說跨部會大家都很努力了但是產生詐騙的這種界面有很多嘛金流是一個嘛那電信啊你能處理的是不是只有金流我們處理的是金流跟金融知識的這些教育部分主詐跟部分的市詐主詐部分就是屬於透過銀行的臨櫃或者說是轉帳這部分我們截阻金流"},{"start":142.674,"end":162.29,"text":"那所謂的網路詐騙或名人詐騙這個部分你認為為什麼沒有辦法有效的遏止?那這個其中的原因在哪?我跟您報告那個投資詐騙因為我們已經去年修《投信投顧法》70-1條對於在固定的社群網站平台上去給它下架"},{"start":162.93,"end":182.38,"text":"但是還有很多名人的這些詐騙案他有的不是在那個平台上比方在其他的社群媒體上這個其實需要大家一起在做努力的那其實我們也都包括我們這邊的交易所每天早上都在去搜尋這些網路上這些疑似詐騙的問題"},{"start":184.332,"end":213.108,"text":"所以你認為,照你的說法看來,你認為問題不在你這裡啊?我一直在問你說整個系統性的問題到底在哪裡?我們如果都不知道問題在哪裡,我們怎麼樣解決這個問題?報告委員,其實我絕對承擔金管會該負的責任,不然的話我不會用11頁的報告跟委員報告我們在打造方面做了哪些事情。我覺得那是我們要該負的責任,可是我要跟委員報告,這是一個基本的問題。"},{"start":214.489,"end":232.516,"text":"銀行要去做任何阻詐的事情他第一個必須要有法據第二他也不能夠影響正常的企業跟個人金融中介的功能這兩個不同的價值是需要去做前衡的就一方面如果我為了限制打仗所有的金流轉帳都嚴格限制他"},{"start":233.436,"end":247.329,"text":"更長的時間這個也會影響到金融經濟的發展所以這裡面的法據還有整個做一個權衡這都是我們我想在跨部會討論的時候要去做權衡的再跟您報告還有其實剛才"},{"start":249.343,"end":267.094,"text":"也有委員提到金融消費者的保護的方面其實我也他前面委員講的是你財閥的金額不高其實我知道所有的金融業者他們能夠請最好的法律顧問所以在法律方面就法治面而言"},{"start":267.874,"end":297.217,"text":"絕對不會有很重大的問題可是重大的問題是在於消費者對於金融商品的不了解以及對於所有投資契約的不了解那所以怎麼樣子減少這樣子認知上面的落差以及減少所謂我們數位的落差也好以及中高零金融消費者對於這些投資商品以及數位落差我相信"},{"start":298.057,"end":319.347,"text":"這個部分是金管會我認為你該做而沒做的不應該只就法律層面而是應該就整個消費者跟投資在怎麼樣的認知上面能夠減少這個落差才能有效的遏止金融消費者的所有的問題啊是不是"},{"start":320.165,"end":344.313,"text":"委員您這番指示其實您真是專家我跟您報告為什麼要做金融監理一個就是資訊不對稱就是一個就是系統風險所以資訊不對稱本來就是金管會成立的目的之一您看看今天我寫的報告我們有做多少金融的教育跟知識至於說前面委員說罰款金額逐漸降低我跟委員報告我們現在財閥不是只有罰款我們有停職我們有解職"},{"start":345.433,"end":358.724,"text":"我們有減薪我們還有扣資本額上禮拜我們做了一個禮專的那個裁罰他扣他資本額是30多億喔所以其實我們的裁罰不能只是從罰款的金額去看他的高低"},{"start":360.104,"end":379.843,"text":"今天是第一次委員會再跟昭緯見一分鐘我想了解一下現在我們國內的超額儲蓄創新高不只是企業部門還有我們的個人部門也是創新高那你看在超額儲蓄創新高的時候會不會"},{"start":381.314,"end":403.167,"text":"就是說我們的成交量股市的成交量因為大家不願意為什麼會有超額儲蓄他不願意直接投資嘛國內的投資的前景不看好的情況下可能就做金融投資那股市呢股市有沒有可能未來的日交易量你看是多少4千億還是5千億"},{"start":404.83,"end":425.141,"text":"沒有我們今年預估的每天的交易量比去年有增加了那其實主要也是因為整個包括零股的交易投資人現在很多年輕人願意投入臺灣的股市對臺灣的資本市場有信心所以我覺得這後面有有他基本上理性的判斷在裡面當然股市還是多風險還是要注意風險的"},{"start":426.209,"end":450.429,"text":"那今年股市會不會上兩萬點?報告委員其實監理機關不太適合去評估這個到多少點到今天是上漲那上兩萬點會不會是一個風險的地方?你講啊,是不是?報告委員其實我們你金融監理機關就是評估風險的單位可是我們不會去評估這個股價到多少這個不是監理機關那我是說如果到兩萬點是不是一個風險點?"},{"start":451.61,"end":464.938,"text":"要看這個股市到2萬點後面的理由是什麼?是有具體的利多的消息、正面的消息、資本面的改變?還是只是因為資金充裕的問題?那如果只是資金充裕的問題,會不會是一個過熱點?"},{"start":470.225,"end":490.225,"text":"這個熱跟不熱其實不是監理機關可以去隨便去做不好意思我知道您是很審慎的問我可是我不能夠隨便就這樣子做判斷還是需要有一些分析也許會後可以跟您再多做請益好謝謝謝謝委員謝謝謝一鋒委員的質詢接著我們請葛如君委員質詢"}]}}}}