{"id":152838,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/152838","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/ec526bb9f1bdce9dd54876f79b7a173188b406ffa24a3d763b43bbf2d64d201765024ebfa9e6d7965ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"陳玉珍","委員發言時間":"12:25:58 - 12:37:03","影片長度":"00:11:05","會議時間":"2024-05-22T09:00:00+08:00","會議名稱":"立法院第11屆第1會期財政委員會第13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。\n【5月20日及22日二天一次會】）","date":"2024-05-22","duration":665,"meet":{"tmpMeeting":null,"title":"第11屆第1會期財政委員會第13次全體委員會議","term":11,"type":"委員會","sessionPeriod":1,"sessionTimes":13,"committees":[20],"id":"委員會-11-1-20-13"},"end_time":"2024-05-22T12:37:03+08:00","start_time":"2024-05-22T12:25:58+08:00","features":["ai-transcript","gazette"],"type":"Clip","gazette":{"lineno":947,"blocks":[["陳委員玉珍：（12時25分）主席，有請彭主委。"],["彭主任委員金隆：陳委員好。"],["陳委員玉珍：主委早，您是5月20號上任嘛。"],["彭主任委員金隆：是的。"],["陳委員玉珍：昨天有看到立法院的情形嗎？"],["彭主任委員金隆：有，我有看轉播。"],["陳委員玉珍：你有什麼想法？"],["彭主任委員金隆：當然大家辛苦了！"],["陳委員玉珍：蛤？"],["彭主任委員金隆：大家辛苦了！"],["陳委員玉珍：好，謝謝、謝謝。不過您主管的是金融方面，這個跟民生經濟有關，希望我們可以在委員會裡面充分溝通。我想請問您本身有沒有經歷過詐騙？"],["彭主任委員金隆：我比較幸運，還沒有，雖然有騙但沒成功。"],["陳委員玉珍：喔，你說你有被詐騙集團……"],["彭主任委員金隆：就是收到簡訊這些。"],["陳委員玉珍：所以也是有啦，只是沒有被騙成，但是你也經歷過詐騙這個事情，對嘛？"],["彭主任委員金隆：是。"],["陳委員玉珍：有沒有人利用過你的頭像做什麼投資方面的這一種？"],["彭主任委員金隆：據我所知目前還沒有。"],["陳委員玉珍：真的喔？那可能還不知道你可能也是算是人才啦！像我是完全不懂得投資的，但是我自己本身就經歷過我的頭像被放在那種投資的那個，連我自己都非常驚訝。而且本席常常接到很多陳情，非常、非常多，不只是金門地區，包括臺灣這邊也一樣，各個年齡層都有，我的家人、各方面，詐騙不管是網路或者是投資這一種都非常的多喔。所以我想請問，因為我們在觀察這個詐騙，當然很多是要騙錢嘛，最後都要經過一個金流，金流就是錢可能就要轉帳，比如他說你的車子沒有繳費，要按進去啊、用什麼信用卡、用什麼點點點、點點點，就把你資料騙走；或是說要你把錢轉到哪裡、哪裡。我們金門很多的高齡的長者接到說做這個投資怎樣、然後錢什麼又要怎樣，有的還要他面交，那已經是比較那個的了。我的意思是在這個過程中，我看到你們的報告裡頭對於詐騙你們是說有跟網路平台業者溝通，113年6月底前配合完成系統調整落實投資廣告實名制，對吧？"],["彭主任委員金隆：是。"],["陳委員玉珍：意思就是以後任何人的頭像、包括彭主委您的，如果要上線的話，比如某甲他的頭像要做這個投資，上線就必須用實名制，對吧？"],["彭主任委員金隆：是，這是我們投信投顧法第七十條之一裡面的規定。"],["陳委員玉珍：本來就有的是嗎？"],["彭主任委員金隆：對，就是我們為了這個東西新訂的規定。"],["陳委員玉珍：蛤？"],["彭主任委員金隆：對，為了這件事情新加了一個防範措施。"],["陳委員玉珍：OK，所以是在6月、下個月底前就會完成了？"],["彭主任委員金隆：那是因為我們跟Meta的部分，它承諾會在6月以前改善。"],["陳委員玉珍：改善就是完成的意思，是嗎？"],["彭主任委員金隆：對，它是這樣說。"],["陳委員玉珍：如果它沒有完成呢？因為你這樣宣示就表示，7月1號以後如果在臉書上看到彭金隆跟大家說投資ABCD，那麼這個東西就不會是假的了！"],["彭主任委員金隆：我們期待是這樣的一個狀況。"],["陳委員玉珍：你的意思是因為反面來想它有實名制，所以我在臉書看到那個就不會是假的嘛？"],["彭主任委員金隆：對，現在根據那個……"],["陳委員玉珍：如果平台業者沒有做好咧？"],["彭主任委員金隆：它有罰則。"],["陳委員玉珍：不可能嘛齁？"],["彭主任委員金隆：他那個……"],["陳委員玉珍：有究責的機制嗎？"],["彭主任委員金隆：有，投信投顧法應該是第一百三十……"],["陳委員玉珍：不是，就是對這個業者平台業者有沒有究責的機制呢？"],["彭主任委員金隆：有，其實我們在剛剛報告的投信投顧法裡面就有這樣的罰則，我們接下來的打詐專法裡面就會對平台業者課責。"],["陳委員玉珍：打詐專法已經送過來了嗎？"],["彭主任委員金隆：現在已經送到大院了。"],["陳委員玉珍：已經送過來了？那我們要儘快審議。"],["彭主任委員金隆：是的。"],["陳委員玉珍：另外帳戶的部分，我又想到第三方支付，不知道您對中國大陸有沒有瞭解？大陸的行動支付非常、非常方便，您知道嗎？"],["彭主任委員金隆：知道。"],["陳委員玉珍：微信、支付寶，你知道嗎？"],["彭主任委員金隆：對，知道。"],["陳委員玉珍：為什麼我們國內臺澎金馬地區這種第三方行動支付非常不方便？"],["彭主任委員金隆：這可能是不是有地區別的差別？還是請……"],["陳委員玉珍：不用。是為什麼？以你的親身體驗、你的認知，你身為金管會主委的認知咧？"],["彭主任委員金隆：就我自己的使用我覺得還方便。"],["陳委員玉珍：你覺得方便是不是？比如說你去買菜有用過行動支付嗎？"],["彭主任委員金隆：傳統市場很困難，但是我想一般的……"],["陳委員玉珍：大陸是連買菜、坐計程車各方面。"],["彭主任委員金隆：對，一般來講現在的商店大概都可以使用。"],["陳委員玉珍：所以我覺得我們在這個部分實際上是做得不夠，做不夠的部分，你們有沒有什麼想法來具體落實？慢慢的無紙化，就不用貨幣，會不會有具體作為呢？"],["彭主任委員金隆：這可不可以請銀行局……"],["陳委員玉珍：你們會不會有？"],["莊局長琇媛：報告委員，因為我們剛剛跟其他委員報告時也有提到，我們有訂一個非現金支付的比率，這個比率不光只是數字的達成，我們也有擬了一些工作的計畫，裡面其實有一個工作計畫就是針對比如一些比較傳統的市集或者是比較需要發展的特約商店，也就是這個商店本來習慣用現金的，然後可以讓他們慢慢轉成用電子支付的方式。"],["陳委員玉珍：那也要有相當的一些鼓勵措施。"],["莊局長琇媛：對。"],["陳委員玉珍：我想這個部分可能也要配合，比如在商圈配合經濟部，這個也要做相關的，這個部分下去之後可能也應該當做一個業務的重點。另外一個，我剛剛提到詐騙，因為那個很重要，我們說到金流斷點的問題，我發現各個金融機構事實上在做詐騙阻詐匯錢部分做得還不錯，一些經驗就是他們都會去勸這些要匯很多錢或怎麼樣的人，跟他說可能是詐騙，所以我建議各個機構如果有做這個部分的要鼓勵。"],["彭主任委員金隆：有，這部分我們有做。"],["陳委員玉珍：鼓勵以外還要給獎勵，這個是滿重要的。但是我有一個經驗，就是在開戶方面，如果發現這個是詐騙集團的戶頭，我覺得你們在這個開戶各方面包括後續有沒有考慮……我跟你講大陸的政策是怎麼樣，開戶當然也不容易，要有證件，我們現在最少是要雙證件，但是大陸如果這個人的戶頭曾經被詐騙集團使用，這個人就不能再開戶。我們有沒有打算怎麼做比較嚴格的措施，來避免詐騙集團實在太過猖獗？"],["彭主任委員金隆：其實……"],["陳委員玉珍：還有包括……你先講。"],["彭主任委員金隆：剛剛委員講的沒錯，就是像現在銀行做的臨櫃關懷，剛才那個阻詐做得滿不錯的。"],["陳委員玉珍：喔，那個是做得不錯，有時候做到常常被臨櫃的長者罵。"],["彭主任委員金隆：對，就被關切。"],["陳委員玉珍：是，這個當然。"],["彭主任委員金隆：剛剛講到問題帳戶的管理，其實我們現在有很多很多的機制在處理中。"],["陳委員玉珍：那請具體講，可是因為我覺得這個應該是做得非常不夠，不然不會詐騙集團還透過銀行的帳戶或是信用卡這樣子來做，還這麼的猖獗。"],["彭主任委員金隆：是。"],["陳委員玉珍：金流事實上是阻詐裡面最重要的一環。"],["彭主任委員金隆：是，我們儘量把……"],["陳委員玉珍：因為錢都要從你們這邊進出對不對？"],["彭主任委員金隆：沒錯、沒錯。是。"],["陳委員玉珍：所以具體有沒有什麼作為？"],["彭主任委員金隆：我們現在比如說列入警示帳戶，接下來可能也沒辦法再開戶，剛剛也有類似的機制，我們還有比如境內境外的帳戶管制，其實我們現在都有聯合內政部跟警政署做滿多這方面的努力。"],["陳委員玉珍：我聽到的具體的作為是各個部會是各行其政，沒有做很好的整合，所以……"],["彭主任委員金隆：現在可能會……"],["陳委員玉珍：所以才會造成這個……"],["彭主任委員金隆：對，現在我們就在一直強化這一點。"],["陳委員玉珍：好，具體的措施麻煩你給我一個報告，包括我剛剛說的行動支付的部分、詐騙打詐的具體措施，包括你剛剛說的投資廣告平台Meta要實名制的這個部分。"],["彭主任委員金隆：是，謝謝，這個沒問題。"],["陳委員玉珍：好，恭喜您上任了，我看到媒體有幫你整理好一些各種挑戰，不過還是希望……您去過金門嗎？"],["彭主任委員金隆：去過，很喜歡。"],["陳委員玉珍：很喜歡？太好了！你覺得金門的這個金融發展怎麼樣？"],["彭主任委員金隆：還沒有機會去嘗試。"],["陳委員玉珍：根據你們銀行局公布的113年3月底的金融分支機構家數待增加的地區全國有83個鄉鎮，嚴格來講我們金門就有5+1的鄉鎮，其中就有3個鄉鎮金融機構的分支機構家數還是仍待增加，包括金寧鄉、金沙鎮跟烈嶼鄉，所以有一半以上鄉鎮的金融機構還是不足，這個意思就表示我們離島的金融便利還是不夠，賴士葆委員也有提過每年要設ATM或是VTM等自動化的設備，或提供巡迴金融服務機制。你們提到執行的進度怎麼樣呢？"],["彭主任委員金隆：其實這是我們一直努力的目標，因為普惠金融裡面講金融是基本的權利，我們儘量怎麼樣鼓勵業者去把普惠的覆蓋率能夠做到全覆蓋。"],["陳委員玉珍：所以是用鼓勵的嘛，對不對？"],["彭主任委員金隆：對，因為現在這個確實……我們會透過一些有效的措施來增進這件事情。"],["陳委員玉珍：什麼叫有效的措施？你用鼓勵的，比如銀行業者可能不願意去設，也許有可能是成本上的考量，我們相信人少的地方以成本考量來講的確是不划算。"],["彭主任委員金隆：對。"],["陳委員玉珍：但是您知道金融機構它不只是營利事業。"],["彭主任委員金隆：是，完全贊成。"],["陳委員玉珍：它具有排他性，而且其營運權是公共賦予的，有一定的社會性，也是特許行業，所以這個部分有沒有什麼預期要達成的目標呢？我要具體的。"],["彭主任委員金隆：我想目標這部分我們應該是一致的，我想問一下局長有沒有什麼具體的，不好意思，謝謝。"],["陳委員玉珍：你不知道？等一下，你不知道是不是？來，沒關係，因為我時間到了，你不知道、也剛上任，所以剛剛針對本席所詢問那三個議題，因為您剛上任，大概給你一個月時間好不好？那三個是詐騙、第三方行動支付、還有針對離島，你就寫金門的就好了，金門地區的普惠金融部分如何幫我們加強，在一個月內給我比較完整的報告，可以嗎？"],["彭主任委員金隆：是的，我會請同仁提供這樣的資訊給你。謝謝。"],["陳委員玉珍：你們要提出來，也歡迎您到我們金門指導。"],["彭主任委員金隆：是，很想去，謝謝。"],["陳委員玉珍：好，謝謝主委。"],["主席：謝謝陳委員。","接下來請林楚茵委員質詢。"]],"agenda":{"page_end":332,"meet_id":"委員會-11-1-20-13","speakers":["羅明才","林德福","吳秉叡","顏寬恒","賴惠員","賴士葆","王鴻薇","郭國文","李彥秀","黃珊珊","伍麗華Saidhai‧Tahovecahe","李坤城","王世堅","楊瓊瓔","黃國昌","葛如鈞","陳玉珍","林楚茵","吳春城","鍾佳濱","謝衣鳯","張嘉郡"],"page_start":263,"meetingDate":["2024-05-22"],"gazette_id":"1134901","agenda_lcidc_ids":["1134901_00008"],"meet_name":"立法院第11屆第1會期財政委員會第13次全體委員會議紀錄","content":"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\n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\n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","agenda_id":"1134901_00005"}},"transcript":{"id":"152838","pyannote":{"name":"ronny","tool":"pyannote","data":{"url":"https://ivod.ly.gov.tw/Play/Clip/1M/152838","tool":"pyannote","id":"152838-pyannote"},"job_id":"9YYWaNCLJ2KUJjIO","queued_at":"2024-05-30 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{\"word\": \",\"}, {\"word\": \"您\", \"start\": 479.56, \"end\": 479.68, \"score\": 0.828}, {\"word\": \"去\", \"start\": 479.68, \"end\": 479.78, \"score\": 0.779}, {\"word\": \"過\"}, {\"word\": \"金\", \"start\": 479.78, \"end\": 479.8, \"score\": 0.0}, {\"word\": \"門\"}, {\"word\": \"嗎\"}, {\"word\": \"?\"}]}, {\"start\": 503.878, \"end\": 521.262, \"text\": \"去過去過很喜歡很喜歡太好了那覺得金門的這個金融發展怎麼樣還沒有機會去嘗試那根據銀行局喔你們銀行局公布的這個113年3月底的金融機構分支分支機構的加速帶增價地區全國有83個鄉鎮金門就有我們金門有\", \"words\": [{\"word\": \"去\", \"start\": 503.878, \"end\": 504.178, \"score\": 0.865}, {\"word\": \"過\"}, {\"word\": \"去\", \"start\": 504.178, \"end\": 504.438, \"score\": 0.85}, {\"word\": \"過\"}, {\"word\": \"很\", \"start\": 504.438, \"end\": 504.558, \"score\": 0.835}, {\"word\": \"喜\", \"start\": 504.558, \"end\": 505.158, \"score\": 0.903}, {\"word\": \"歡\"}, {\"word\": \"很\", \"start\": 505.158, \"end\": 505.278, \"score\": 0.836}, {\"word\": \"喜\", \"start\": 505.278, \"end\": 505.558, \"score\": 0.855}, {\"word\": \"歡\"}, 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\"end\": 521.202, \"score\": 0.999}, {\"word\": \"我\", \"start\": 521.202, \"end\": 521.222, \"score\": 0.0}, {\"word\": \"們\"}, {\"word\": \"金\", \"start\": 521.222, \"end\": 521.242, \"score\": 0.0}, {\"word\": \"門\"}, {\"word\": \"有\", \"start\": 521.242, \"end\": 521.262, \"score\": 0.0}]}, {\"start\": 525.504, \"end\": 539.179, \"text\": \"五加一鄉鎮就有三個鄉鎮還是金融機構的分支機構加速人袋增加包括金鈴鄉、金沙鎮跟略乙鄉若有一半以上的鄉鎮金融機構還是不足\", \"words\": [{\"word\": \"五\", \"start\": 525.504, \"end\": 525.644, \"score\": 0.83}, {\"word\": \"加\", \"start\": 525.644, \"end\": 525.864, \"score\": 0.851}, {\"word\": \"一\", \"start\": 525.864, \"end\": 526.925, \"score\": 0.834}, {\"word\": \"鄉\"}, {\"word\": \"鎮\"}, {\"word\": \"就\", \"start\": 526.925, \"end\": 527.065, \"score\": 0.84}, {\"word\": \"有\", \"start\": 527.065, \"end\": 527.366, \"score\": 0.98}, {\"word\": \"三\", \"start\": 527.366, \"end\": 528.727, \"score\": 0.844}, {\"word\": \"個\"}, {\"word\": \"鄉\"}, {\"word\": \"鎮\"}, {\"word\": \"還\"}, {\"word\": \"是\", 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\"end\": 627.408, \"score\": 0.899}, {\"word\": \"詢\"}, {\"word\": \"問\"}, {\"word\": \"那\", \"start\": 627.408, \"end\": 627.588, \"score\": 0.918}, {\"word\": \"三\", \"start\": 627.588, \"end\": 628.168, \"score\": 0.903}, {\"word\": \"個\"}, {\"word\": \"議\"}, {\"word\": \"題\"}, {\"word\": \"因\", \"start\": 628.168, \"end\": 629.729, \"score\": 0.932}, {\"word\": \"為\"}, {\"word\": \"您\", \"start\": 629.729, \"end\": 630.069, \"score\": 0.864}, {\"word\": \"剛\"}, {\"word\": \"上\", \"start\": 630.069, \"end\": 630.329, \"score\": 0.924}, {\"word\": \"任\", \"start\": 630.329, \"end\": 631.31, \"score\": 0.911}, {\"word\": \"大\", \"start\": 631.31, \"end\": 631.47, \"score\": 0.914}, {\"word\": \"概\", \"start\": 631.47, \"end\": 631.83, \"score\": 0.937}, {\"word\": \"給\"}, {\"word\": \"你\", \"start\": 631.83, \"end\": 632.03, \"score\": 0.873}, {\"word\": \"一\", \"start\": 632.03, \"end\": 632.27, \"score\": 0.906}, {\"word\": \"個\"}, {\"word\": \"月\", \"start\": 632.27, \"end\": 632.391, \"score\": 0.97}, {\"word\": \"的\", \"start\": 632.391, \"end\": 632.471, \"score\": 0.714}, {\"word\": \"時\"}, {\"word\": \"間\"}, {\"word\": \"好\", \"start\": 632.471, \"end\": 632.591, \"score\": 0.832}, {\"word\": \"不\", \"start\": 632.591, \"end\": 632.751, \"score\": 0.869}, {\"word\": \"好\", \"start\": 632.751, \"end\": 632.771, \"score\": 0.71}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"陳\"}, {\"word\": \"委\", \"start\": 633.131, \"end\": 633.151, \"score\": 0.0}, {\"word\": \"員\"}, {\"word\": \"下\", \"start\": 664.852, \"end\": 664.954, \"score\": 0.725}, {\"word\": \"一\", \"start\": 664.954, \"end\": 665.036, \"score\": 0.685}, {\"word\": \"位\", \"start\": 665.036, \"end\": 665.057, \"score\": 0.002}, {\"word\": \"請\"}], \"language\": \"zh\"}","srt":"1\n00:00:00,169 --> 00:00:24,523\n有請這個彭主委,謝謝請彭主委喂喂喂陳委員好喂,主委早齁早這個您是5月20日上任嗎?是的是的那昨天有看到立法院的行刑嗎?有有什麼想法呢?有看轉播有看轉播有什麼想法?沒有,當然大家辛苦了\n\n2\n00:00:26,021 --> 00:00:39,981\n大家辛苦了謝謝不過您主管的是金融方面跟民生經濟有關希望可以在委員會裡面重新溝通我想請問您你本身有沒有經歷過詐騙本身\n\n3\n00:00:42,955 --> 00:01:03,395\n我比較幸運還沒有,雖然有騙沒成功所以你有被詐騙集團收到簡訊啊這些也是有啦只是沒有被騙成但是你也經歷過詐騙這個事情對嘛有沒有人利用過你的頭像啊做什麼投資啊方面的這一種據我所知目前還沒有真的喔\n\n4\n00:01:03,835 --> 00:01:04,155\n陳玉珍陳玉珍\n\n5\n00:01:29,601 --> 00:01:55,889\n各個林寧城都有我的家人各方面詐騙不管是網路或者是投資這一種非常的多所以我想請問因為我們在觀察這個詐騙當中當然很多最後要騙錢最後都是要經過一個金流所以金流就是說錢可能就要轉帳比如說他說這個你的車子沒有繳費要按進去用什麼信用卡用什麼點點點點點點就把你的資料騙走\n\n6\n00:01:57,830 --> 00:01:57,850\n﹚陳珍\n\n7\n00:02:14,565 --> 00:02:41,420\n您們這個報告裡對於詐騙你們是說有跟這個網路平台業者溝通113年6月底前配合完成系統調整落實投資廣告實名制對吧意思就是說以後任何人的頭像包括彭主任您的那個如果那個要上線的話比如說某家他的頭像要做這個投資這個上線的話就必須用實名制對吧是這我們投信投過法70條之1裡面的規定\n\n8\n00:02:43,870 --> 00:02:55,403\n這是我們為了這個東西新訂的規定。為了這個事情新加了一個防範措施。那是因為我們跟那個Meta的部分他承諾就是說他會在6月以前會改善。\n\n9\n00:03:03,154 --> 00:03:28,636\n改善就是會完成的意思是嗎?對對就是他是這樣說的那如果他沒有完成呢?因為你這樣宣示以後就表示說7月1號以後如果在臉書上看到彭金隆說跟大家說這個投資ABCDE那這個東西就不會是假的啦我們期待是這樣一個狀況那你的意思是說用反面來想說他有實名制嘛所以我在臉書看到那個就不會假的嘛對現在根據那個那如果平台業者沒有做好勒?\n\n10\n00:03:29,537 --> 00:03:43,614\n這不可能嗎?有救責的機制嗎?有有,投信投顧法應該130...不是就是這個業者平台業者平台業者有沒有救責的機制呢?有,那其實我們在剛剛報告的投信投顧法裡面就有這樣的罰則再來我們接下來打詐專法裡面就會對平台業者苛責\n\n11\n00:03:46,858 --> 00:04:04,966\n打仗專法已經過來了嗎?現在已經送到大院了。已經送過來喔?那我們這個要盡快的審議喔?是的。那另外一個,這個帳戶的部分喔,我也想到第三方支付。您知道那個,您不知道對中國大陸有沒有了解喔?您知道大陸這個支付喔,就是行動支付非常非常方便,您知道嗎?知道。\n\n12\n00:04:05,686 --> 00:04:09,070\n為什麼我們國內臺澎金馬地區這種行動支付的部分非常的不方便呢?為什麼?你的親身體驗,你的認知,你身為金管會的認知人?\n\n13\n00:04:27,403 --> 00:04:28,024\n陳玉珍\n\n14\n00:04:42,723 --> 00:04:56,627\n所以我覺得我們在這個部分實際上是做得不夠那做得不夠的部分這個可能是不是你們有沒有什麼想法具體來落實那慢慢的無止化就不用貨幣有沒有具體的會不會有具體的作為呢你們會不會有\n\n15\n00:05:03,264 --> 00:05:29,287\n報告委員喔因為我們剛剛有跟其他委員也有報告提到就是說我們有定一個非現金支付的一個比率啦那這個比率不是只有光是數字的達成然後我們也有擬了一些工作的計畫那裡面其實有一個工作計畫就是針對就是說比如說一些比較傳統的市級或者是比較需要發展特約商店也就是這個商店\n\n16\n00:05:30,167 --> 00:05:43,096\n他們本來習慣用現金的然後可以讓他們慢慢轉成用電子支付的方式那也要相當的一些鼓勵措施我想這個部分可能也要配合比如說這個在商圈配合經濟部這個也要做相關的這個部分可能下去也應該當作一個業務的重點另外一個來我剛剛提到詐騙一個很重要我們說金流嘛這個斷點的問題\n\n17\n00:05:52,082 --> 00:06:05,469\n我發現這個各個金融機構事實上在做這個詐騙的主詐的匯錢的部分做得算還是不錯啦那一些經驗就是說他們都會去勸這些要匯很多錢或者跟他說可能是詐騙所以這個部分我建議說這個部分對各個機構如果有做這個部分要鼓勵鼓勵以外給獎勵\n\n18\n00:06:13,074 --> 00:06:27,808\n但是我有一個經驗就是說但是這個開戶方面就是說如果發現這個是詐騙集團的這個戶頭我覺得你們在這個開戶方面各方面包括後續有沒有考慮說像我跟你講這個道路的政策它是怎麼樣\n\n19\n00:06:28,649 --> 00:06:28,709\n﹚陳玉珍﹚\n\n20\n00:06:52,348 --> 00:07:05,372\n剛剛委員講的沒錯就是我們像我們現在的銀行做的臨櫃關懷那個是做的不錯有時候過道常常被這個臨櫃的長者有時候還會罵不過是是是這個剛剛就想說賬戶問題賬戶的管理其實我們現在有很多很多的機制在處理中\n\n21\n00:07:10,314 --> 00:07:19,240\n來,具體講,可是因為我覺得這個應該是做得非常不夠,不然不會詐騙集團還透過銀行的帳戶或是什麼信用卡這樣子還做,還這麼的猖獗。這個金融,你們事實上是主詐裡面最重要的一環,因為錢都要從你們這邊進啊出啊,對不對?\n\n22\n00:07:28,866 --> 00:07:56,353\n所以具體有沒有什麼作為我們現在比如說列入警視帳戶你接下來可能也沒辦法再開戶啦剛剛也有類似的機制啦那我們還有像比如說境內境外的那個帳戶的管制其實我們現在都有跟聯合內政部跟警政署那邊做蠻多的這樣一個努力我聽到的具體的作為就是說各個部位是各行其政沒有做很好的整合所以才會造成這個現在我們就在一直強化這一點\n\n23\n00:07:57,318 --> 00:07:59,800\n我看到媒體有幫你整理好一些各種挑戰不過我還是希望,您去過金門嗎?\n\n24\n00:08:23,878 --> 00:08:41,262\n去過去過很喜歡很喜歡太好了那覺得金門的這個金融發展怎麼樣還沒有機會去嘗試那根據銀行局喔你們銀行局公布的這個113年3月底的金融機構分支分支機構的加速帶增價地區全國有83個鄉鎮金門就有我們金門有\n\n25\n00:08:45,504 --> 00:08:59,179\n五加一鄉鎮就有三個鄉鎮還是金融機構的分支機構加速人袋增加包括金鈴鄉、金沙鎮跟略乙鄉若有一半以上的鄉鎮金融機構還是不足\n\n26\n00:08:59,940 --> 00:09:01,141\n你們提到執行進度怎麼樣呢?\n\n27\n00:09:20,760 --> 00:09:41,074\n其實這是我們一直努力的目標啦希望就是說因為普惠金融裡面講金融是基本的權利啦那我們盡量再怎麼樣鼓勵這個業者去把我們的普惠的覆蓋率能夠做到全覆蓋因為現在這個確實我們會透過一些有效的措施來增進這件事情\n\n28\n00:09:41,494 --> 00:10:08,837\n什麼叫有效的措施?你用鼓勵的比如說銀行業人他可能不願意去設啊或者是有可能成本上考量來講成本上考量來講的確是不划算我們相信人少的地方但是你知道金融機構他不是只有盈利的那個不是只是盈利事業有排他性也有一種這個而且他是這個贏權是公共賦予的有一定的社會性嘛也是特許行業嘛所以這個部分是不是有沒有什麼預期要達成的目標呢?\n\n29\n00:10:10,478 --> 00:10:32,771\n議題要達成的目標我要具體的我要具體的這個部分我想先目標我們該一致的我想問一下局長有沒有什麼具體的不好意思謝謝你不知道你不知道是不是來沒關係喔因為我時間到您不知道也剛上任了所以剛剛針對本席所詢問那三個議題因為您剛上任大概給你一個月的時間好不好\n\n30\n00:10:33,131 --> 00:10:33,151\n謝謝陳委員\n\n31\n00:11:04,852 --> 00:11:05,057\n下一位請\n\n","tsv":"start\tend\ttext\n169\t24523\t有請這個彭主委,謝謝請彭主委喂喂喂陳委員好喂,主委早齁早這個您是5月20日上任嗎?是的是的那昨天有看到立法院的行刑嗎?有有什麼想法呢?有看轉播有看轉播有什麼想法?沒有,當然大家辛苦了\n26021\t39981\t大家辛苦了謝謝不過您主管的是金融方面跟民生經濟有關希望可以在委員會裡面重新溝通我想請問您你本身有沒有經歷過詐騙本身\n42955\t63395\t我比較幸運還沒有,雖然有騙沒成功所以你有被詐騙集團收到簡訊啊這些也是有啦只是沒有被騙成但是你也經歷過詐騙這個事情對嘛有沒有人利用過你的頭像啊做什麼投資啊方面的這一種據我所知目前還沒有真的喔\n63835\t64155\t陳玉珍陳玉珍\n89601\t115889\t各個林寧城都有我的家人各方面詐騙不管是網路或者是投資這一種非常的多所以我想請問因為我們在觀察這個詐騙當中當然很多最後要騙錢最後都是要經過一個金流所以金流就是說錢可能就要轉帳比如說他說這個你的車子沒有繳費要按進去用什麼信用卡用什麼點點點點點點就把你的資料騙走\n117830\t117850\t﹚陳珍\n134565\t161420\t您們這個報告裡對於詐騙你們是說有跟這個網路平台業者溝通113年6月底前配合完成系統調整落實投資廣告實名制對吧意思就是說以後任何人的頭像包括彭主任您的那個如果那個要上線的話比如說某家他的頭像要做這個投資這個上線的話就必須用實名制對吧是 這我們投信投過法70條之1裡面的規定\n163870\t175403\t這是我們為了這個東西新訂的規定。為了這個事情新加了一個防範措施。那是因為我們跟那個Meta的部分他承諾就是說他會在6月以前會改善。\n183154\t208636\t改善就是會完成的意思是嗎?對對就是他是這樣說的那如果他沒有完成呢?因為你這樣宣示以後就表示說7月1號以後如果在臉書上看到彭金隆說跟大家說這個投資ABCDE那這個東西就不會是假的啦我們期待是這樣一個狀況那你的意思是說用反面來想說他有實名制嘛所以我在臉書看到那個就不會假的嘛對現在根據那個那如果平台業者沒有做好勒?\n209537\t223614\t這不可能嗎?有救責的機制嗎?有有,投信投顧法應該130...不是就是這個業者平台業者平台業者有沒有救責的機制呢?有,那其實我們在剛剛報告的投信投顧法裡面就有這樣的罰則再來我們接下來打詐專法裡面就會對平台業者苛責\n226858\t244966\t打仗專法已經過來了嗎?現在已經送到大院了。已經送過來喔?那我們這個要盡快的審議喔?是的。那另外一個,這個帳戶的部分喔,我也想到第三方支付。您知道那個,您不知道對中國大陸有沒有了解喔?您知道大陸這個支付喔,就是行動支付非常非常方便,您知道嗎?知道。\n245686\t249070\t為什麼我們國內臺澎金馬地區這種行動支付的部分非常的不方便呢?為什麼?你的親身體驗,你的認知,你身為金管會的認知人?\n267403\t268024\t陳玉珍\n282723\t296627\t所以我覺得我們在這個部分實際上是做得不夠那做得不夠的部分這個可能是不是你們有沒有什麼想法具體來落實那慢慢的無止化就不用貨幣有沒有具體的會不會有具體的作為呢你們會不會有\n303264\t329287\t報告委員喔因為我們剛剛有跟其他委員也有報告提到就是說我們有定一個非現金支付的一個比率啦那這個比率不是只有光是數字的達成然後我們也有擬了一些工作的計畫那裡面其實有一個工作計畫就是針對就是說比如說一些比較傳統的市級或者是比較需要發展特約商店也就是這個商店\n330167\t343096\t他們本來習慣用現金的然後可以讓他們慢慢轉成用電子支付的方式那也要相當的一些鼓勵措施我想這個部分可能也要配合比如說這個在商圈配合經濟部這個也要做相關的這個部分可能下去也應該當作一個業務的重點另外一個來我剛剛提到詐騙一個很重要我們說金流嘛這個斷點的問題\n352082\t365469\t我發現這個各個金融機構事實上在做這個詐騙的主詐的匯錢的部分做得算還是不錯啦那一些經驗就是說他們都會去勸這些要匯很多錢或者跟他說可能是詐騙所以這個部分我建議說這個部分對各個機構如果有做這個部分要鼓勵鼓勵以外給獎勵\n373074\t387808\t但是我有一個經驗就是說但是這個開戶方面就是說如果發現這個是詐騙集團的這個戶頭我覺得你們在這個開戶方面各方面包括後續有沒有考慮說像我跟你講這個道路的政策它是怎麼樣\n388649\t388709\t﹚陳玉珍﹚\n412348\t425372\t剛剛委員講的沒錯就是我們像我們現在的銀行做的臨櫃關懷那個是做的不錯有時候過道常常被這個臨櫃的長者有時候還會罵不過是是是這個剛剛就想說賬戶問題賬戶的管理其實我們現在有很多很多的機制在處理中\n430314\t439240\t來,具體講,可是因為我覺得這個應該是做得非常不夠,不然不會詐騙集團還透過銀行的帳戶或是什麼信用卡這樣子還做,還這麼的猖獗。這個金融,你們事實上是主詐裡面最重要的一環,因為錢都要從你們這邊進啊出啊,對不對?\n448866\t476353\t所以具體有沒有什麼作為我們現在比如說列入警視帳戶你接下來可能也沒辦法再開戶啦剛剛也有類似的機制啦那我們還有像比如說境內境外的那個帳戶的管制其實我們現在都有跟聯合內政部跟警政署那邊做蠻多的這樣一個努力我聽到的具體的作為就是說各個部位是各行其政沒有做很好的整合所以才會造成這個現在我們就在一直強化這一點\n477318\t479800\t我看到媒體有幫你整理好一些各種挑戰不過我還是希望,您去過金門嗎?\n503878\t521262\t去過去過很喜歡很喜歡太好了那覺得金門的這個金融發展怎麼樣還沒有機會去嘗試那根據銀行局喔你們銀行局公布的這個113年3月底的金融機構分支分支機構的加速帶增價地區全國有83個鄉鎮金門就有我們金門有\n525504\t539179\t五加一鄉鎮就有三個鄉鎮還是金融機構的分支機構加速人袋增加包括金鈴鄉、金沙鎮跟略乙鄉若有一半以上的鄉鎮金融機構還是不足\n539940\t541141\t你們提到執行進度怎麼樣呢?\n560760\t581074\t其實這是我們一直努力的目標啦希望就是說因為普惠金融裡面講金融是基本的權利啦那我們盡量再怎麼樣鼓勵這個業者去把我們的普惠的覆蓋率能夠做到全覆蓋因為現在這個確實我們會透過一些有效的措施來增進這件事情\n581494\t608837\t什麼叫有效的措施?你用鼓勵的比如說銀行業人他可能不願意去設啊或者是有可能成本上考量來講成本上考量來講的確是不划算我們相信人少的地方但是你知道金融機構他不是只有盈利的那個不是只是盈利事業有排他性也有一種這個而且他是這個贏權是公共賦予的有一定的社會性嘛也是特許行業嘛所以這個部分是不是有沒有什麼預期要達成的目標呢?\n610478\t632771\t議題要達成的目標我要具體的我要具體的這個部分我想先目標我們該一致的我想問一下局長有沒有什麼具體的不好意思謝謝你不知道你不知道是不是來沒關係喔因為我時間到您不知道也剛上任了所以剛剛針對本席所詢問那三個議題因為您剛上任大概給你一個月的時間好不好\n633131\t633151\t謝謝陳委員\n664852\t665057\t下一位請\n","txt":"有請這個彭主委,謝謝請彭主委喂喂喂陳委員好喂,主委早齁早這個您是5月20日上任嗎?是的是的那昨天有看到立法院的行刑嗎?有有什麼想法呢?有看轉播有看轉播有什麼想法?沒有,當然大家辛苦了\n大家辛苦了謝謝不過您主管的是金融方面跟民生經濟有關希望可以在委員會裡面重新溝通我想請問您你本身有沒有經歷過詐騙本身\n我比較幸運還沒有,雖然有騙沒成功所以你有被詐騙集團收到簡訊啊這些也是有啦只是沒有被騙成但是你也經歷過詐騙這個事情對嘛有沒有人利用過你的頭像啊做什麼投資啊方面的這一種據我所知目前還沒有真的喔\n陳玉珍陳玉珍\n各個林寧城都有我的家人各方面詐騙不管是網路或者是投資這一種非常的多所以我想請問因為我們在觀察這個詐騙當中當然很多最後要騙錢最後都是要經過一個金流所以金流就是說錢可能就要轉帳比如說他說這個你的車子沒有繳費要按進去用什麼信用卡用什麼點點點點點點就把你的資料騙走\n﹚陳珍\n您們這個報告裡對於詐騙你們是說有跟這個網路平台業者溝通113年6月底前配合完成系統調整落實投資廣告實名制對吧意思就是說以後任何人的頭像包括彭主任您的那個如果那個要上線的話比如說某家他的頭像要做這個投資這個上線的話就必須用實名制對吧是 這我們投信投過法70條之1裡面的規定\n這是我們為了這個東西新訂的規定。為了這個事情新加了一個防範措施。那是因為我們跟那個Meta的部分他承諾就是說他會在6月以前會改善。\n改善就是會完成的意思是嗎?對對就是他是這樣說的那如果他沒有完成呢?因為你這樣宣示以後就表示說7月1號以後如果在臉書上看到彭金隆說跟大家說這個投資ABCDE那這個東西就不會是假的啦我們期待是這樣一個狀況那你的意思是說用反面來想說他有實名制嘛所以我在臉書看到那個就不會假的嘛對現在根據那個那如果平台業者沒有做好勒?\n這不可能嗎?有救責的機制嗎?有有,投信投顧法應該130...不是就是這個業者平台業者平台業者有沒有救責的機制呢?有,那其實我們在剛剛報告的投信投顧法裡面就有這樣的罰則再來我們接下來打詐專法裡面就會對平台業者苛責\n打仗專法已經過來了嗎?現在已經送到大院了。已經送過來喔?那我們這個要盡快的審議喔?是的。那另外一個,這個帳戶的部分喔,我也想到第三方支付。您知道那個,您不知道對中國大陸有沒有了解喔?您知道大陸這個支付喔,就是行動支付非常非常方便,您知道嗎?知道。\n為什麼我們國內臺澎金馬地區這種行動支付的部分非常的不方便呢?為什麼?你的親身體驗,你的認知,你身為金管會的認知人?\n陳玉珍\n所以我覺得我們在這個部分實際上是做得不夠那做得不夠的部分這個可能是不是你們有沒有什麼想法具體來落實那慢慢的無止化就不用貨幣有沒有具體的會不會有具體的作為呢你們會不會有\n報告委員喔因為我們剛剛有跟其他委員也有報告提到就是說我們有定一個非現金支付的一個比率啦那這個比率不是只有光是數字的達成然後我們也有擬了一些工作的計畫那裡面其實有一個工作計畫就是針對就是說比如說一些比較傳統的市級或者是比較需要發展特約商店也就是這個商店\n他們本來習慣用現金的然後可以讓他們慢慢轉成用電子支付的方式那也要相當的一些鼓勵措施我想這個部分可能也要配合比如說這個在商圈配合經濟部這個也要做相關的這個部分可能下去也應該當作一個業務的重點另外一個來我剛剛提到詐騙一個很重要我們說金流嘛這個斷點的問題\n我發現這個各個金融機構事實上在做這個詐騙的主詐的匯錢的部分做得算還是不錯啦那一些經驗就是說他們都會去勸這些要匯很多錢或者跟他說可能是詐騙所以這個部分我建議說這個部分對各個機構如果有做這個部分要鼓勵鼓勵以外給獎勵\n但是我有一個經驗就是說但是這個開戶方面就是說如果發現這個是詐騙集團的這個戶頭我覺得你們在這個開戶方面各方面包括後續有沒有考慮說像我跟你講這個道路的政策它是怎麼樣\n﹚陳玉珍﹚\n剛剛委員講的沒錯就是我們像我們現在的銀行做的臨櫃關懷那個是做的不錯有時候過道常常被這個臨櫃的長者有時候還會罵不過是是是這個剛剛就想說賬戶問題賬戶的管理其實我們現在有很多很多的機制在處理中\n來,具體講,可是因為我覺得這個應該是做得非常不夠,不然不會詐騙集團還透過銀行的帳戶或是什麼信用卡這樣子還做,還這麼的猖獗。這個金融,你們事實上是主詐裡面最重要的一環,因為錢都要從你們這邊進啊出啊,對不對?\n所以具體有沒有什麼作為我們現在比如說列入警視帳戶你接下來可能也沒辦法再開戶啦剛剛也有類似的機制啦那我們還有像比如說境內境外的那個帳戶的管制其實我們現在都有跟聯合內政部跟警政署那邊做蠻多的這樣一個努力我聽到的具體的作為就是說各個部位是各行其政沒有做很好的整合所以才會造成這個現在我們就在一直強化這一點\n我看到媒體有幫你整理好一些各種挑戰不過我還是希望,您去過金門嗎?\n去過去過很喜歡很喜歡太好了那覺得金門的這個金融發展怎麼樣還沒有機會去嘗試那根據銀行局喔你們銀行局公布的這個113年3月底的金融機構分支分支機構的加速帶增價地區全國有83個鄉鎮金門就有我們金門有\n五加一鄉鎮就有三個鄉鎮還是金融機構的分支機構加速人袋增加包括金鈴鄉、金沙鎮跟略乙鄉若有一半以上的鄉鎮金融機構還是不足\n你們提到執行進度怎麼樣呢?\n其實這是我們一直努力的目標啦希望就是說因為普惠金融裡面講金融是基本的權利啦那我們盡量再怎麼樣鼓勵這個業者去把我們的普惠的覆蓋率能夠做到全覆蓋因為現在這個確實我們會透過一些有效的措施來增進這件事情\n什麼叫有效的措施?你用鼓勵的比如說銀行業人他可能不願意去設啊或者是有可能成本上考量來講成本上考量來講的確是不划算我們相信人少的地方但是你知道金融機構他不是只有盈利的那個不是只是盈利事業有排他性也有一種這個而且他是這個贏權是公共賦予的有一定的社會性嘛也是特許行業嘛所以這個部分是不是有沒有什麼預期要達成的目標呢?\n議題要達成的目標我要具體的我要具體的這個部分我想先目標我們該一致的我想問一下局長有沒有什麼具體的不好意思謝謝你不知道你不知道是不是來沒關係喔因為我時間到您不知道也剛上任了所以剛剛針對本席所詢問那三個議題因為您剛上任大概給你一個月的時間好不好\n謝謝陳委員\n下一位請\n","vtt":"WEBVTT\n\n00:00.169 --> 00:24.523\n有請這個彭主委,謝謝請彭主委喂喂喂陳委員好喂,主委早齁早這個您是5月20日上任嗎?是的是的那昨天有看到立法院的行刑嗎?有有什麼想法呢?有看轉播有看轉播有什麼想法?沒有,當然大家辛苦了\n\n00:26.021 --> 00:39.981\n大家辛苦了謝謝不過您主管的是金融方面跟民生經濟有關希望可以在委員會裡面重新溝通我想請問您你本身有沒有經歷過詐騙本身\n\n00:42.955 --> 01:03.395\n我比較幸運還沒有,雖然有騙沒成功所以你有被詐騙集團收到簡訊啊這些也是有啦只是沒有被騙成但是你也經歷過詐騙這個事情對嘛有沒有人利用過你的頭像啊做什麼投資啊方面的這一種據我所知目前還沒有真的喔\n\n01:03.835 --> 01:04.155\n陳玉珍陳玉珍\n\n01:29.601 --> 01:55.889\n各個林寧城都有我的家人各方面詐騙不管是網路或者是投資這一種非常的多所以我想請問因為我們在觀察這個詐騙當中當然很多最後要騙錢最後都是要經過一個金流所以金流就是說錢可能就要轉帳比如說他說這個你的車子沒有繳費要按進去用什麼信用卡用什麼點點點點點點就把你的資料騙走\n\n01:57.830 --> 01:57.850\n﹚陳珍\n\n02:14.565 --> 02:41.420\n您們這個報告裡對於詐騙你們是說有跟這個網路平台業者溝通113年6月底前配合完成系統調整落實投資廣告實名制對吧意思就是說以後任何人的頭像包括彭主任您的那個如果那個要上線的話比如說某家他的頭像要做這個投資這個上線的話就必須用實名制對吧是這我們投信投過法70條之1裡面的規定\n\n02:43.870 --> 02:55.403\n這是我們為了這個東西新訂的規定。為了這個事情新加了一個防範措施。那是因為我們跟那個Meta的部分他承諾就是說他會在6月以前會改善。\n\n03:03.154 --> 03:28.636\n改善就是會完成的意思是嗎?對對就是他是這樣說的那如果他沒有完成呢?因為你這樣宣示以後就表示說7月1號以後如果在臉書上看到彭金隆說跟大家說這個投資ABCDE那這個東西就不會是假的啦我們期待是這樣一個狀況那你的意思是說用反面來想說他有實名制嘛所以我在臉書看到那個就不會假的嘛對現在根據那個那如果平台業者沒有做好勒?\n\n03:29.537 --> 03:43.614\n這不可能嗎?有救責的機制嗎?有有,投信投顧法應該130...不是就是這個業者平台業者平台業者有沒有救責的機制呢?有,那其實我們在剛剛報告的投信投顧法裡面就有這樣的罰則再來我們接下來打詐專法裡面就會對平台業者苛責\n\n03:46.858 --> 04:04.966\n打仗專法已經過來了嗎?現在已經送到大院了。已經送過來喔?那我們這個要盡快的審議喔?是的。那另外一個,這個帳戶的部分喔,我也想到第三方支付。您知道那個,您不知道對中國大陸有沒有了解喔?您知道大陸這個支付喔,就是行動支付非常非常方便,您知道嗎?知道。\n\n04:05.686 --> 04:09.070\n為什麼我們國內臺澎金馬地區這種行動支付的部分非常的不方便呢?為什麼?你的親身體驗,你的認知,你身為金管會的認知人?\n\n04:27.403 --> 04:28.024\n陳玉珍\n\n04:42.723 --> 04:56.627\n所以我覺得我們在這個部分實際上是做得不夠那做得不夠的部分這個可能是不是你們有沒有什麼想法具體來落實那慢慢的無止化就不用貨幣有沒有具體的會不會有具體的作為呢你們會不會有\n\n05:03.264 --> 05:29.287\n報告委員喔因為我們剛剛有跟其他委員也有報告提到就是說我們有定一個非現金支付的一個比率啦那這個比率不是只有光是數字的達成然後我們也有擬了一些工作的計畫那裡面其實有一個工作計畫就是針對就是說比如說一些比較傳統的市級或者是比較需要發展特約商店也就是這個商店\n\n05:30.167 --> 05:43.096\n他們本來習慣用現金的然後可以讓他們慢慢轉成用電子支付的方式那也要相當的一些鼓勵措施我想這個部分可能也要配合比如說這個在商圈配合經濟部這個也要做相關的這個部分可能下去也應該當作一個業務的重點另外一個來我剛剛提到詐騙一個很重要我們說金流嘛這個斷點的問題\n\n05:52.082 --> 06:05.469\n我發現這個各個金融機構事實上在做這個詐騙的主詐的匯錢的部分做得算還是不錯啦那一些經驗就是說他們都會去勸這些要匯很多錢或者跟他說可能是詐騙所以這個部分我建議說這個部分對各個機構如果有做這個部分要鼓勵鼓勵以外給獎勵\n\n06:13.074 --> 06:27.808\n但是我有一個經驗就是說但是這個開戶方面就是說如果發現這個是詐騙集團的這個戶頭我覺得你們在這個開戶方面各方面包括後續有沒有考慮說像我跟你講這個道路的政策它是怎麼樣\n\n06:28.649 --> 06:28.709\n﹚陳玉珍﹚\n\n06:52.348 --> 07:05.372\n剛剛委員講的沒錯就是我們像我們現在的銀行做的臨櫃關懷那個是做的不錯有時候過道常常被這個臨櫃的長者有時候還會罵不過是是是這個剛剛就想說賬戶問題賬戶的管理其實我們現在有很多很多的機制在處理中\n\n07:10.314 --> 07:19.240\n來,具體講,可是因為我覺得這個應該是做得非常不夠,不然不會詐騙集團還透過銀行的帳戶或是什麼信用卡這樣子還做,還這麼的猖獗。這個金融,你們事實上是主詐裡面最重要的一環,因為錢都要從你們這邊進啊出啊,對不對?\n\n07:28.866 --> 07:56.353\n所以具體有沒有什麼作為我們現在比如說列入警視帳戶你接下來可能也沒辦法再開戶啦剛剛也有類似的機制啦那我們還有像比如說境內境外的那個帳戶的管制其實我們現在都有跟聯合內政部跟警政署那邊做蠻多的這樣一個努力我聽到的具體的作為就是說各個部位是各行其政沒有做很好的整合所以才會造成這個現在我們就在一直強化這一點\n\n07:57.318 --> 07:59.800\n我看到媒體有幫你整理好一些各種挑戰不過我還是希望,您去過金門嗎?\n\n08:23.878 --> 08:41.262\n去過去過很喜歡很喜歡太好了那覺得金門的這個金融發展怎麼樣還沒有機會去嘗試那根據銀行局喔你們銀行局公布的這個113年3月底的金融機構分支分支機構的加速帶增價地區全國有83個鄉鎮金門就有我們金門有\n\n08:45.504 --> 08:59.179\n五加一鄉鎮就有三個鄉鎮還是金融機構的分支機構加速人袋增加包括金鈴鄉、金沙鎮跟略乙鄉若有一半以上的鄉鎮金融機構還是不足\n\n08:59.940 --> 09:01.141\n你們提到執行進度怎麼樣呢?\n\n09:20.760 --> 09:41.074\n其實這是我們一直努力的目標啦希望就是說因為普惠金融裡面講金融是基本的權利啦那我們盡量再怎麼樣鼓勵這個業者去把我們的普惠的覆蓋率能夠做到全覆蓋因為現在這個確實我們會透過一些有效的措施來增進這件事情\n\n09:41.494 --> 10:08.837\n什麼叫有效的措施?你用鼓勵的比如說銀行業人他可能不願意去設啊或者是有可能成本上考量來講成本上考量來講的確是不划算我們相信人少的地方但是你知道金融機構他不是只有盈利的那個不是只是盈利事業有排他性也有一種這個而且他是這個贏權是公共賦予的有一定的社會性嘛也是特許行業嘛所以這個部分是不是有沒有什麼預期要達成的目標呢?\n\n10:10.478 --> 10:32.771\n議題要達成的目標我要具體的我要具體的這個部分我想先目標我們該一致的我想問一下局長有沒有什麼具體的不好意思謝謝你不知道你不知道是不是來沒關係喔因為我時間到您不知道也剛上任了所以剛剛針對本席所詢問那三個議題因為您剛上任大概給你一個月的時間好不好\n\n10:33.131 --> 10:33.151\n謝謝陳委員\n\n11:04.852 --> 11:05.057\n下一位請\n\n","segments":[{"start":0.169,"end":24.523,"text":"有請這個彭主委,謝謝請彭主委喂喂喂陳委員好喂,主委早齁早這個您是5月20日上任嗎?是的是的那昨天有看到立法院的行刑嗎?有有什麼想法呢?有看轉播有看轉播有什麼想法?沒有,當然大家辛苦了"},{"start":26.021,"end":39.981,"text":"大家辛苦了謝謝不過您主管的是金融方面跟民生經濟有關希望可以在委員會裡面重新溝通我想請問您你本身有沒有經歷過詐騙本身"},{"start":42.955,"end":63.395,"text":"我比較幸運還沒有,雖然有騙沒成功所以你有被詐騙集團收到簡訊啊這些也是有啦只是沒有被騙成但是你也經歷過詐騙這個事情對嘛有沒有人利用過你的頭像啊做什麼投資啊方面的這一種據我所知目前還沒有真的喔"},{"start":63.835,"end":64.155,"text":"陳玉珍陳玉珍"},{"start":89.601,"end":115.889,"text":"各個林寧城都有我的家人各方面詐騙不管是網路或者是投資這一種非常的多所以我想請問因為我們在觀察這個詐騙當中當然很多最後要騙錢最後都是要經過一個金流所以金流就是說錢可能就要轉帳比如說他說這個你的車子沒有繳費要按進去用什麼信用卡用什麼點點點點點點就把你的資料騙走"},{"start":117.83,"end":117.85,"text":"﹚陳珍"},{"start":134.565,"end":161.42,"text":"您們這個報告裡對於詐騙你們是說有跟這個網路平台業者溝通113年6月底前配合完成系統調整落實投資廣告實名制對吧意思就是說以後任何人的頭像包括彭主任您的那個如果那個要上線的話比如說某家他的頭像要做這個投資這個上線的話就必須用實名制對吧是 這我們投信投過法70條之1裡面的規定"},{"start":163.87,"end":175.403,"text":"這是我們為了這個東西新訂的規定。為了這個事情新加了一個防範措施。那是因為我們跟那個Meta的部分他承諾就是說他會在6月以前會改善。"},{"start":183.154,"end":208.636,"text":"改善就是會完成的意思是嗎?對對就是他是這樣說的那如果他沒有完成呢?因為你這樣宣示以後就表示說7月1號以後如果在臉書上看到彭金隆說跟大家說這個投資ABCDE那這個東西就不會是假的啦我們期待是這樣一個狀況那你的意思是說用反面來想說他有實名制嘛所以我在臉書看到那個就不會假的嘛對現在根據那個那如果平台業者沒有做好勒?"},{"start":209.537,"end":223.614,"text":"這不可能嗎?有救責的機制嗎?有有,投信投顧法應該130...不是就是這個業者平台業者平台業者有沒有救責的機制呢?有,那其實我們在剛剛報告的投信投顧法裡面就有這樣的罰則再來我們接下來打詐專法裡面就會對平台業者苛責"},{"start":226.858,"end":244.966,"text":"打仗專法已經過來了嗎?現在已經送到大院了。已經送過來喔?那我們這個要盡快的審議喔?是的。那另外一個,這個帳戶的部分喔,我也想到第三方支付。您知道那個,您不知道對中國大陸有沒有了解喔?您知道大陸這個支付喔,就是行動支付非常非常方便,您知道嗎?知道。"},{"start":245.686,"end":249.07,"text":"為什麼我們國內臺澎金馬地區這種行動支付的部分非常的不方便呢?為什麼?你的親身體驗,你的認知,你身為金管會的認知人?"},{"start":267.403,"end":268.024,"text":"陳玉珍"},{"start":282.723,"end":296.627,"text":"所以我覺得我們在這個部分實際上是做得不夠那做得不夠的部分這個可能是不是你們有沒有什麼想法具體來落實那慢慢的無止化就不用貨幣有沒有具體的會不會有具體的作為呢你們會不會有"},{"start":303.264,"end":329.287,"text":"報告委員喔因為我們剛剛有跟其他委員也有報告提到就是說我們有定一個非現金支付的一個比率啦那這個比率不是只有光是數字的達成然後我們也有擬了一些工作的計畫那裡面其實有一個工作計畫就是針對就是說比如說一些比較傳統的市級或者是比較需要發展特約商店也就是這個商店"},{"start":330.167,"end":343.096,"text":"他們本來習慣用現金的然後可以讓他們慢慢轉成用電子支付的方式那也要相當的一些鼓勵措施我想這個部分可能也要配合比如說這個在商圈配合經濟部這個也要做相關的這個部分可能下去也應該當作一個業務的重點另外一個來我剛剛提到詐騙一個很重要我們說金流嘛這個斷點的問題"},{"start":352.082,"end":365.469,"text":"我發現這個各個金融機構事實上在做這個詐騙的主詐的匯錢的部分做得算還是不錯啦那一些經驗就是說他們都會去勸這些要匯很多錢或者跟他說可能是詐騙所以這個部分我建議說這個部分對各個機構如果有做這個部分要鼓勵鼓勵以外給獎勵"},{"start":373.074,"end":387.808,"text":"但是我有一個經驗就是說但是這個開戶方面就是說如果發現這個是詐騙集團的這個戶頭我覺得你們在這個開戶方面各方面包括後續有沒有考慮說像我跟你講這個道路的政策它是怎麼樣"},{"start":388.649,"end":388.709,"text":"﹚陳玉珍﹚"},{"start":412.348,"end":425.372,"text":"剛剛委員講的沒錯就是我們像我們現在的銀行做的臨櫃關懷那個是做的不錯有時候過道常常被這個臨櫃的長者有時候還會罵不過是是是這個剛剛就想說賬戶問題賬戶的管理其實我們現在有很多很多的機制在處理中"},{"start":430.314,"end":439.24,"text":"來,具體講,可是因為我覺得這個應該是做得非常不夠,不然不會詐騙集團還透過銀行的帳戶或是什麼信用卡這樣子還做,還這麼的猖獗。這個金融,你們事實上是主詐裡面最重要的一環,因為錢都要從你們這邊進啊出啊,對不對?"},{"start":448.866,"end":476.353,"text":"所以具體有沒有什麼作為我們現在比如說列入警視帳戶你接下來可能也沒辦法再開戶啦剛剛也有類似的機制啦那我們還有像比如說境內境外的那個帳戶的管制其實我們現在都有跟聯合內政部跟警政署那邊做蠻多的這樣一個努力我聽到的具體的作為就是說各個部位是各行其政沒有做很好的整合所以才會造成這個現在我們就在一直強化這一點"},{"start":477.318,"end":479.8,"text":"我看到媒體有幫你整理好一些各種挑戰不過我還是希望,您去過金門嗎?"},{"start":503.878,"end":521.262,"text":"去過去過很喜歡很喜歡太好了那覺得金門的這個金融發展怎麼樣還沒有機會去嘗試那根據銀行局喔你們銀行局公布的這個113年3月底的金融機構分支分支機構的加速帶增價地區全國有83個鄉鎮金門就有我們金門有"},{"start":525.504,"end":539.179,"text":"五加一鄉鎮就有三個鄉鎮還是金融機構的分支機構加速人袋增加包括金鈴鄉、金沙鎮跟略乙鄉若有一半以上的鄉鎮金融機構還是不足"},{"start":539.94,"end":541.141,"text":"你們提到執行進度怎麼樣呢?"},{"start":560.76,"end":581.074,"text":"其實這是我們一直努力的目標啦希望就是說因為普惠金融裡面講金融是基本的權利啦那我們盡量再怎麼樣鼓勵這個業者去把我們的普惠的覆蓋率能夠做到全覆蓋因為現在這個確實我們會透過一些有效的措施來增進這件事情"},{"start":581.494,"end":608.837,"text":"什麼叫有效的措施?你用鼓勵的比如說銀行業人他可能不願意去設啊或者是有可能成本上考量來講成本上考量來講的確是不划算我們相信人少的地方但是你知道金融機構他不是只有盈利的那個不是只是盈利事業有排他性也有一種這個而且他是這個贏權是公共賦予的有一定的社會性嘛也是特許行業嘛所以這個部分是不是有沒有什麼預期要達成的目標呢?"},{"start":610.478,"end":632.771,"text":"議題要達成的目標我要具體的我要具體的這個部分我想先目標我們該一致的我想問一下局長有沒有什麼具體的不好意思謝謝你不知道你不知道是不是來沒關係喔因為我時間到您不知道也剛上任了所以剛剛針對本席所詢問那三個議題因為您剛上任大概給你一個月的時間好不好"},{"start":633.131,"end":633.151,"text":"謝謝陳委員"},{"start":664.852,"end":665.057,"text":"下一位請"}]}}}}