{"id":152850,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/152850","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/ec526bb9f1bdce9dd32b001473218d4888b406ffa24a3d763b43bbf2d64d2017e0231b435c3567a35ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"鍾佳濱","委員發言時間":"12:52:58 - 13:00:24","影片長度":"00:07:26","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":446,"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":"2024-05-22T13:00:24+08:00","start_time":"2024-05-22T12:52:58+08:00","features":["ai-transcript","gazette"],"type":"Clip","gazette":{"lineno":1095,"blocks":[["鍾委員佳濱：（12時53分）主席，在場的委員先進，列席政府機關首長官員、會場工作夥伴、媒體記者女士先生。有請彭主委。"],["主席：請彭主委。"],["彭主任委員金隆：鍾委員好。"],["鍾委員佳濱：請銀行局長上來，銀行局。","主委好。"],["彭主任委員金隆：鍾委員好。"],["鍾委員佳濱：主委好，局長好。主委你來自學界，你知道我們擔任民意代表經常選民有婚禮，我們就會送什麼？送什麼白頭偕老，但是現在很難偕老，就寫才子佳人或者是鳳凰于飛；生了小孩，我們以前會寫弄璋之喜，現在女男平等，你覺得有人家生小孩，我們送什麼？我們會送「深慶得人」，我也會送行政院這四個字，因為很開心看到您到金管會來。"],["彭主任委員金隆：謝謝。"],["鍾委員佳濱：那麼過去在常在財委會的朋友們都知道，來財委會我一定充分準備PowerPoint，但是今天我沒有特別準備，因為我相信我對主委過去在學界各種的論壇，我去參與對您的了解，以及您也常常給我寶貴意見，您對我議題的了解，應該我們彼此不太需要透過一個PowerPoint來溝通，加上我今天看了一下您的業務概況報告，請問是您到任後才指示同仁做蒐集的嗎？"],["彭主任委員金隆：有些部分新的措施，確實是我到任以後才跟他們討論的。"],["鍾委員佳濱：那我看了滿有你的特色，這6大面向43個重點，第一張就是關於風險監理，就是您的本行，但是我仔細看了一下，我覺得也要幫寫這份報告的同仁團隊給予肯定。因為以我在財委會這幾年來，大概這裡面我所偏好的有三分之一在裡面，所以說好球帶滿集中的，滿適合揮棒的，我相信其他委員也可以在這43個重點當中，找到他們要的題材，那底下我就針對幾個部分，來就教於主委。","那麼首先，在您的第三點的第三面向第九點，就是保險契約強制執行的參考原則，剛好也是我最近持續在關心的，那請問主委目前有什麼進度嗎？"],["彭主任委員金隆：現在的話就是我們會儘快的來跟我們執行單位訂定參考原則，希望把這個處理能夠有一個更明確的方法，交給執行單位來處理，減少這些案件跟民怨，那當然接下來還是要從根本上，我們會修保險法，把有關受益人介入權的部分，把它修到保險法裡面解決這個問題。"],["鍾委員佳濱：好，我想在施局長的協助之下，應該可以很順利的很快的就完成這個任務。接下來我也看到在洗錢防制要分階段納管虛擬資產平台與交易業務，剛巧我這會期被發配到司法法制委員會，看到您這些題目，我都很後悔，但沒辦法在那個重災區，我們也關心到一些議題跟我們金管會有關，明天我們就要排審洗錢防制法，這當中關於虛擬資產，我們也問了一下新任的法務部鄭部長，好像他說也有跟您拜託過、請託過，因為現在很多詐團的犯罪所得，基本上民眾最想要的就是把被騙的錢拿回來，是不是這樣？是的……"],["彭主任委員金隆：是。"],["鍾委員佳濱：不管是動產或不動產，那都很好查，但是遇到了虛幣或者是加密貨幣，虛擬資產就沒轍了，但是這裡面是未來法務部的一個重點，我跟他提到可能需要金管會來協助，您覺得關於這個部分，金管會可以幫得上什麼忙？"],["彭主任委員金隆：這個主要是我們在整個分工部分的話，我們大概是在阻詐就跟委員提到就是說……"],["鍾委員佳濱：它是臨櫃關懷阻詐，但是後面的加密貨幣或虛擬資產……"],["彭主任委員金隆：對對對，就是我們在打詐專法裡面，也把虛擬資產跟虛擬帳戶放進來這裡規範，就是把我們整個規範的範圍加大了。再來就是剛才提及，前陣子我們在洗錢防制法也開始用登記制的方式來納管這些未來進行虛擬資產交易的對象，這部分也會大幅提高管控的強度。"],["鍾委員佳濱：好，很好。主委這邊給一個參考的方向，就他們辦案的意見來講，其實詐騙所得如果是用貨幣金錢進入到銀行帳戶，因為大水庫進進出出，到底哪一筆錢是哪個人被詐的要返還實務上很困難，因為錢是一模一樣的，但是相反的虛幣、加密貨幣或虛擬資產就不一樣囉，你給他的每一個資產都是有ID的，所以你後來交給了誰都是可追查的，如果這個部分，你們做得到這些交易的路徑，其實對於被害者的損失要追回，反而讓司法機關有個依循，您同意嗎？"],["彭主任委員金隆：這個同意。"],["鍾委員佳濱：好，最後就要拜託銀行局了，在之前也關於到另外這個非加密貨幣或虛擬資產的部分，傳統的這些銀行的轉帳，我們看到很多年輕人，他的帳號被拿去當人頭帳戶，很倒楣，在短短時間內交易了好幾次，馬上變成警示帳號甚至妨礙他未來的信用，請問你認為要如何來防制這樣的情況再發生，我們的帳戶的分級可以做到嗎？就像我們的ATM取款或者我們的信用卡可以分級，有的卡只能夠三萬元，有的卡可以上百萬元，您覺得未來銀行帳戶可以做類似的分級管理嗎？"],["莊局長琇媛：報告委員，其實現在銀行自己本身就已經做有一些分級的管理，比如說久未往來的帳戶，他如果一旦來更換他的印鑑或者是一些他的……"],["鍾委員佳濱：現在的情況我了解，我只想請教主委未來你覺得可以怎麼樣去強化呢？這也在你們的43個重點當中。"],["彭主任委員金隆：這個確實對於帳戶的分級管理，我們除了現有的方式以外，現在已經開始在研究或是責成我們的銀行公會，針對像比如說能不能有效的在源頭就做一些分級管理的管控，這我們會來強化。"],["鍾委員佳濱：比如說什麼呢？你們的分級管理可以更具體的或描述幾個例子，方向讓我們思考一下嗎？"],["彭主任委員金隆：比如說假設這個帳戶過去很久沒有動，或是說剛開戶的人他要進行高頻的交易，就可能會受到一些技術性的阻攔，這部分的話我們會朝這個方向來努力。"],["鍾委員佳濱：好，最後一點時間，我大概附帶一點個人淺薄的金融經驗，我個人沒有做生意，一般不會申請支票帳戶，但我記得在更早之前有人告訴我，假設你是一個上班族，你的薪帳戶要累積到一定的信用，銀行才會發給你支票帳戶，這表示說你必須有一定的信用後，你才能去開支票，是不是這樣？那未來是不是可以往這方面來發展、規劃？"],["彭主任委員金隆：這個朝風險為基礎的管控，應該是同一個方向。"],["鍾委員佳濱：好，謝謝主委、謝謝四位局長，謝謝。"],["彭主任委員金隆：謝謝，謝謝委員。"],["主席：謝謝鍾佳濱委員。","接著我們請謝衣鳯委員。"]],"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":"152850","pyannote":{"name":"ronny","tool":"pyannote","data":{"url":"https://ivod.ly.gov.tw/Play/Clip/1M/152850","tool":"pyannote","id":"152850-pyannote"},"job_id":"02qaqQHuloXuUvLU","queued_at":"2024-05-30 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437.53, \"score\": 0.0}, {\"word\": \"員\"}], \"language\": \"zh\"}","srt":"1\n00:00:00,329 --> 00:00:24,854\n委員先進列席政府機關首長官員、會長工作夥伴、媒體記者女士先生有請彭主委請到彭主委主委好銀行局長上來銀行局主委好總委好局長好主委你來自學界你知道我們擔任民意代表經常選民有婚禮我們就會送什麼送什麼這個\n\n2\n00:00:27,193 --> 00:00:40,468\n白頭偕老但是現在很難偕老就寫才子佳人或者是鳳凰餘輝生了小孩我們以前會弄弄髒知喜現在女男平等你覺得有人家生小孩我們送什麼他四個字\n\n3\n00:00:43,342 --> 00:01:12,562\n我們都會送生慶得人我也會送行政院這四個字因為很開心看到您到金管會來那麼過去在常在財委會的朋友們都知道來財委會我一定充分準備PowerPoint但是今天我沒有特別準備因為我相信我對主委過去在學界各種的論壇我去參與對您的瞭解以及您也常常給我寶貴意見您對我議題的瞭解應該我們彼此不太需要透過一個PowerPoint來溝通\n\n4\n00:01:13,442 --> 00:01:36,258\n加上我今天看了一下您的這個業務概況報告請問是您到任後才指示同仁做收集的嗎?有些部分新的措施確實是我到任以後才跟他們討論的那我看的蠻有你的特色這六大面向43個重點第一章就是關於風險監理就是您的本行但是我仔細看了一下我覺得也要幫寫這份\n\n5\n00:01:37,447 --> 00:01:57,726\n報告的同仁團隊給予肯定因為以我在財委會這幾年來大概這裡面我所偏好的有三分之一在裡面所以說好球帶蠻集中的蠻適合揮棒的我相信其他委員可以在這三四三個重點當中找到他們要的題材那底下我就針對幾個部分來就教於主委\n\n6\n00:01:58,507 --> 00:02:11,122\n那麼首先在您的第三面向第九點就是保險契約強制執行的參考原則剛好也是這距離近我都持續的在關心的那請問主委目前有什麼進度嗎?\n\n7\n00:02:13,357 --> 00:02:35,127\n現在的話就是我們現在會盡快的來跟我們執行單位訂定這個參考原則希望把這個處理能夠有一個更明確的方法交給這個執行單位來處理減少這些案件跟民怨那再來當然接下來還是要從根本上我們會修保險法把有關那個受益人借物權的部分把它修到保險法裡面解決這個問題\n\n8\n00:02:36,363 --> 00:02:54,592\n好那我想呢在市局長的協助之下應該可以很順利的很快的就完成這個任務那接下來呢我也看到了在洗錢防治要分階段納管虛擬資產平台與交易業務啊剛巧我這會期呢被發配到司法法治委員會\n\n9\n00:02:55,692 --> 00:03:24,488\n看到您這些題目我都很後悔但沒辦法在那個重災區我們也關心到一些議題跟我們金管會有關那明天我們要排審洗錢防治法那這當中關於心理資產我們也問了一下新任的法務部正部長好像他說也有跟您請拜託過請託過因為現在很多詐團的犯罪所得他們基本上民眾最想要的就是把被騙的錢拿回來是不是這樣\n\n10\n00:03:25,580 --> 00:03:44,131\n是的但是呢他們不管動產不動產那很好查但是遇到了虛幣或者是加密貨幣虛擬資產就沒轍了但是這裡面的是未來法務部的一個重點那我跟他提要說可能需要金管會這邊來協助那您覺得關於這個部分金管會可以幫得上什麼忙\n\n11\n00:03:47,220 --> 00:03:58,564\n這個主要是我們在整個分工部分的話我們大概是在主柵就跟委員提到就是說但是零貴關懷主柵但是後面的加密貨幣或虛擬資產對對對這是我們在那個打柵專法裡面也把那個虛擬資產跟虛擬帳戶也放進來這裡規範就是這個部分把我們的整個規範的範圍加大了\n\n12\n00:04:08,368 --> 00:04:22,985\n那再來就是剛剛前陣子我們在顯現防治法裡面呢也開始用登記制的方式納管這些所謂的這些的未來進行虛擬市場交易的那個那個對象這部分也會大幅提高這個管控的強度\n\n13\n00:04:23,285 --> 00:04:47,951\n好很好主委這邊給一個參考的方向啦齁那麼就他們辦案的意見來講呢其實啊詐騙所的如果是用貨幣金錢啊進入到銀行帳戶啊因為大水庫啊進進出出到底哪一筆錢是哪一個人被詐的要緩繁實務上很困難因為什麼錢是一模一樣的但是相反的虛幣加密貨幣或虛擬資產就不一樣囉你給他的每一個\n\n14\n00:04:49,091 --> 00:04:49,911\n我們看到很多年輕人吶\n\n15\n00:05:19,533 --> 00:05:42,569\n他的帳號呢被拿去當人頭帳戶很倒霉在短短的時間內交易了好幾次馬上變成警示帳號甚至妨礙他未來的信用請問你認為要如何來防制這樣的情況再發生我們的帳戶的分級可以做到嗎?就像我們的ATM期款或者我們的信用卡可以分級有的卡只能夠3萬元有的卡可以上百萬元您覺得未來銀行帳戶可以做類似的分級管理嗎?\n\n16\n00:05:46,124 --> 00:06:04,651\n報告委員其實現在銀行自己本身就已經做有一些分級的管理啦比如說久未往來的帳戶他如果一旦來更換他的硬件或者是一些他的現況的情況我了解我是想請教主委那未來你覺得可以怎麼樣去強化呢這也在你們的43個重點當中\n\n17\n00:06:07,453 --> 00:06:27,251\n這個確實對於賬戶的分級管理我們除了現有的方式以外我們現在已經開始在研究或是折騰我們的這個銀行公會針對像比如說我們能不能有效的在源頭就做一些分級管理的管控這我們會來強化比如說什麼呢你們的分級管理可以更具體的後面描述幾個例子方向讓我們思考一下嗎\n\n18\n00:06:27,796 --> 00:06:30,118\n我記得在更早之前有人告訴我你做一個上班族,你的薪資、帳戶啊\n\n19\n00:06:56,579 --> 00:07:17,530\n你要累積到一定的信用銀行才會給你發給支票賬戶表示說你必須有一定的信用後你才能去開支票是不是這樣那未來是不是可以往這方面來發展來規劃這個朝風險為基礎的管控這應該是同一個方向好謝謝主委謝謝三位四位局長謝謝謝謝謝謝委員我們謝謝鍾佳濱委員謝謝接著我們請謝伊鳳委員\n\n","tsv":"start\tend\ttext\n329\t24854\t委員先進列席政府機關首長官員、會長工作夥伴、媒體記者女士先生有請彭主委請到彭主委主委好 銀行局長上來 銀行局主委好 總委好 局長好主委你來自學界 你知道我們擔任民意代表經常選民有婚禮我們就會送什麼 送什麼這個\n27193\t40468\t白頭偕老但是現在很難偕老就寫才子佳人或者是鳳凰餘輝生了小孩我們以前會弄弄髒知喜現在女男平等你覺得有人家生小孩我們送什麼他四個字\n43342\t72562\t我們都會送生慶得人我也會送行政院這四個字因為很開心看到您到金管會來那麼過去在常在財委會的朋友們都知道來財委會我一定充分準備PowerPoint但是今天我沒有特別準備因為我相信我對主委過去在學界各種的論壇我去參與對您的瞭解以及您也常常給我寶貴意見您對我議題的瞭解應該我們彼此不太需要透過一個PowerPoint來溝通\n73442\t96258\t加上我今天看了一下您的這個業務概況報告請問是您到任後才指示同仁做收集的嗎?有些部分新的措施確實是我到任以後才跟他們討論的那我看的蠻有你的特色這六大面向43個重點第一章就是關於風險監理就是您的本行但是我仔細看了一下我覺得也要幫寫這份\n97447\t117726\t報告的同仁團隊給予肯定因為以我在財委會這幾年來大概這裡面我所偏好的有三分之一在裡面所以說好球帶蠻集中的蠻適合揮棒的我相信其他委員可以在這三四三個重點當中找到他們要的題材那底下我就針對幾個部分來就教於主委\n118507\t131122\t那麼首先在您的第三面向第九點就是保險契約強制執行的參考原則剛好也是這距離近我都持續的在關心的那請問主委目前有什麼進度嗎?\n133357\t155127\t現在的話就是我們現在會盡快的來跟我們執行單位訂定這個參考原則希望把這個處理能夠有一個更明確的方法交給這個執行單位來處理減少這些案件跟民怨那再來當然接下來還是要從根本上我們會修保險法把有關那個受益人借物權的部分把它修到保險法裡面解決這個問題\n156363\t174592\t好那我想呢在市局長的協助之下應該可以很順利的很快的就完成這個任務那接下來呢我也看到了在洗錢防治要分階段納管虛擬資產平台與交易業務啊剛巧我這會期呢被發配到司法法治委員會\n175692\t204488\t看到您這些題目我都很後悔但沒辦法在那個重災區我們也關心到一些議題跟我們金管會有關那明天我們要排審洗錢防治法那這當中關於心理資產我們也問了一下新任的法務部正部長好像他說也有跟您請拜託過請託過因為現在很多詐團的犯罪所得他們基本上民眾最想要的就是把被騙的錢拿回來是不是這樣\n205580\t224131\t是的但是呢他們不管動產不動產那很好查但是遇到了虛幣或者是加密貨幣虛擬資產就沒轍了但是這裡面的是未來法務部的一個重點那我跟他提要說可能需要金管會這邊來協助那您覺得關於這個部分金管會可以幫得上什麼忙\n227220\t238564\t這個主要是我們在整個分工部分的話我們大概是在主柵就跟委員提到就是說但是零貴關懷主柵但是後面的加密貨幣或虛擬資產對對對這是我們在那個打柵專法裡面也把那個虛擬資產跟虛擬帳戶也放進來這裡規範就是這個部分把我們的整個規範的範圍加大了\n248368\t262985\t那再來就是剛剛前陣子我們在顯現防治法裡面呢也開始用登記制的方式納管這些所謂的這些的未來進行虛擬市場交易的那個那個對象這部分也會大幅提高這個管控的強度\n263285\t287951\t好很好主委這邊給一個參考的方向啦齁那麼就他們辦案的意見來講呢其實啊詐騙所的如果是用貨幣金錢啊進入到銀行帳戶啊因為大水庫啊進進出出到底哪一筆錢是哪一個人被詐的要緩繁實務上很困難因為什麼錢是一模一樣的但是相反的虛幣加密貨幣或虛擬資產就不一樣囉你給他的每一個\n289091\t289911\t我們看到很多年輕人吶\n319533\t342569\t他的帳號呢被拿去當人頭帳戶很倒霉在短短的時間內交易了好幾次馬上變成警示帳號甚至妨礙他未來的信用請問你認為要如何來防制這樣的情況再發生我們的帳戶的分級可以做到嗎?就像我們的ATM期款或者我們的信用卡可以分級有的卡只能夠3萬元有的卡可以上百萬元您覺得未來銀行帳戶可以做類似的分級管理嗎?\n346124\t364651\t報告委員其實現在銀行自己本身就已經做有一些分級的管理啦比如說久未往來的帳戶他如果一旦來更換他的硬件或者是一些他的現況的情況我了解我是想請教主委那未來你覺得可以怎麼樣去強化呢這也在你們的43個重點當中\n367453\t387251\t這個確實對於賬戶的分級管理我們除了現有的方式以外我們現在已經開始在研究或是折騰我們的這個銀行公會針對像比如說我們能不能有效的在源頭就做一些分級管理的管控這我們會來強化比如說什麼呢你們的分級管理可以更具體的後面描述幾個例子方向讓我們思考一下嗎\n387796\t390118\t我記得在更早之前有人告訴我你做一個上班族,你的薪資、帳戶啊\n416579\t437530\t你要累積到一定的信用銀行才會給你發給支票賬戶表示說你必須有一定的信用後你才能去開支票是不是這樣那未來是不是可以往這方面來發展來規劃這個朝風險為基礎的管控這應該是同一個方向好謝謝主委謝謝三位四位局長謝謝謝謝謝謝委員我們謝謝鍾佳濱委員謝謝接著我們請謝伊鳳委員\n","txt":"委員先進列席政府機關首長官員、會長工作夥伴、媒體記者女士先生有請彭主委請到彭主委主委好 銀行局長上來 銀行局主委好 總委好 局長好主委你來自學界 你知道我們擔任民意代表經常選民有婚禮我們就會送什麼 送什麼這個\n白頭偕老但是現在很難偕老就寫才子佳人或者是鳳凰餘輝生了小孩我們以前會弄弄髒知喜現在女男平等你覺得有人家生小孩我們送什麼他四個字\n我們都會送生慶得人我也會送行政院這四個字因為很開心看到您到金管會來那麼過去在常在財委會的朋友們都知道來財委會我一定充分準備PowerPoint但是今天我沒有特別準備因為我相信我對主委過去在學界各種的論壇我去參與對您的瞭解以及您也常常給我寶貴意見您對我議題的瞭解應該我們彼此不太需要透過一個PowerPoint來溝通\n加上我今天看了一下您的這個業務概況報告請問是您到任後才指示同仁做收集的嗎?有些部分新的措施確實是我到任以後才跟他們討論的那我看的蠻有你的特色這六大面向43個重點第一章就是關於風險監理就是您的本行但是我仔細看了一下我覺得也要幫寫這份\n報告的同仁團隊給予肯定因為以我在財委會這幾年來大概這裡面我所偏好的有三分之一在裡面所以說好球帶蠻集中的蠻適合揮棒的我相信其他委員可以在這三四三個重點當中找到他們要的題材那底下我就針對幾個部分來就教於主委\n那麼首先在您的第三面向第九點就是保險契約強制執行的參考原則剛好也是這距離近我都持續的在關心的那請問主委目前有什麼進度嗎?\n現在的話就是我們現在會盡快的來跟我們執行單位訂定這個參考原則希望把這個處理能夠有一個更明確的方法交給這個執行單位來處理減少這些案件跟民怨那再來當然接下來還是要從根本上我們會修保險法把有關那個受益人借物權的部分把它修到保險法裡面解決這個問題\n好那我想呢在市局長的協助之下應該可以很順利的很快的就完成這個任務那接下來呢我也看到了在洗錢防治要分階段納管虛擬資產平台與交易業務啊剛巧我這會期呢被發配到司法法治委員會\n看到您這些題目我都很後悔但沒辦法在那個重災區我們也關心到一些議題跟我們金管會有關那明天我們要排審洗錢防治法那這當中關於心理資產我們也問了一下新任的法務部正部長好像他說也有跟您請拜託過請託過因為現在很多詐團的犯罪所得他們基本上民眾最想要的就是把被騙的錢拿回來是不是這樣\n是的但是呢他們不管動產不動產那很好查但是遇到了虛幣或者是加密貨幣虛擬資產就沒轍了但是這裡面的是未來法務部的一個重點那我跟他提要說可能需要金管會這邊來協助那您覺得關於這個部分金管會可以幫得上什麼忙\n這個主要是我們在整個分工部分的話我們大概是在主柵就跟委員提到就是說但是零貴關懷主柵但是後面的加密貨幣或虛擬資產對對對這是我們在那個打柵專法裡面也把那個虛擬資產跟虛擬帳戶也放進來這裡規範就是這個部分把我們的整個規範的範圍加大了\n那再來就是剛剛前陣子我們在顯現防治法裡面呢也開始用登記制的方式納管這些所謂的這些的未來進行虛擬市場交易的那個那個對象這部分也會大幅提高這個管控的強度\n好很好主委這邊給一個參考的方向啦齁那麼就他們辦案的意見來講呢其實啊詐騙所的如果是用貨幣金錢啊進入到銀行帳戶啊因為大水庫啊進進出出到底哪一筆錢是哪一個人被詐的要緩繁實務上很困難因為什麼錢是一模一樣的但是相反的虛幣加密貨幣或虛擬資產就不一樣囉你給他的每一個\n我們看到很多年輕人吶\n他的帳號呢被拿去當人頭帳戶很倒霉在短短的時間內交易了好幾次馬上變成警示帳號甚至妨礙他未來的信用請問你認為要如何來防制這樣的情況再發生我們的帳戶的分級可以做到嗎?就像我們的ATM期款或者我們的信用卡可以分級有的卡只能夠3萬元有的卡可以上百萬元您覺得未來銀行帳戶可以做類似的分級管理嗎?\n報告委員其實現在銀行自己本身就已經做有一些分級的管理啦比如說久未往來的帳戶他如果一旦來更換他的硬件或者是一些他的現況的情況我了解我是想請教主委那未來你覺得可以怎麼樣去強化呢這也在你們的43個重點當中\n這個確實對於賬戶的分級管理我們除了現有的方式以外我們現在已經開始在研究或是折騰我們的這個銀行公會針對像比如說我們能不能有效的在源頭就做一些分級管理的管控這我們會來強化比如說什麼呢你們的分級管理可以更具體的後面描述幾個例子方向讓我們思考一下嗎\n我記得在更早之前有人告訴我你做一個上班族,你的薪資、帳戶啊\n你要累積到一定的信用銀行才會給你發給支票賬戶表示說你必須有一定的信用後你才能去開支票是不是這樣那未來是不是可以往這方面來發展來規劃這個朝風險為基礎的管控這應該是同一個方向好謝謝主委謝謝三位四位局長謝謝謝謝謝謝委員我們謝謝鍾佳濱委員謝謝接著我們請謝伊鳳委員\n","vtt":"WEBVTT\n\n00:00.329 --> 00:24.854\n委員先進列席政府機關首長官員、會長工作夥伴、媒體記者女士先生有請彭主委請到彭主委主委好銀行局長上來銀行局主委好總委好局長好主委你來自學界你知道我們擔任民意代表經常選民有婚禮我們就會送什麼送什麼這個\n\n00:27.193 --> 00:40.468\n白頭偕老但是現在很難偕老就寫才子佳人或者是鳳凰餘輝生了小孩我們以前會弄弄髒知喜現在女男平等你覺得有人家生小孩我們送什麼他四個字\n\n00:43.342 --> 01:12.562\n我們都會送生慶得人我也會送行政院這四個字因為很開心看到您到金管會來那麼過去在常在財委會的朋友們都知道來財委會我一定充分準備PowerPoint但是今天我沒有特別準備因為我相信我對主委過去在學界各種的論壇我去參與對您的瞭解以及您也常常給我寶貴意見您對我議題的瞭解應該我們彼此不太需要透過一個PowerPoint來溝通\n\n01:13.442 --> 01:36.258\n加上我今天看了一下您的這個業務概況報告請問是您到任後才指示同仁做收集的嗎?有些部分新的措施確實是我到任以後才跟他們討論的那我看的蠻有你的特色這六大面向43個重點第一章就是關於風險監理就是您的本行但是我仔細看了一下我覺得也要幫寫這份\n\n01:37.447 --> 01:57.726\n報告的同仁團隊給予肯定因為以我在財委會這幾年來大概這裡面我所偏好的有三分之一在裡面所以說好球帶蠻集中的蠻適合揮棒的我相信其他委員可以在這三四三個重點當中找到他們要的題材那底下我就針對幾個部分來就教於主委\n\n01:58.507 --> 02:11.122\n那麼首先在您的第三面向第九點就是保險契約強制執行的參考原則剛好也是這距離近我都持續的在關心的那請問主委目前有什麼進度嗎?\n\n02:13.357 --> 02:35.127\n現在的話就是我們現在會盡快的來跟我們執行單位訂定這個參考原則希望把這個處理能夠有一個更明確的方法交給這個執行單位來處理減少這些案件跟民怨那再來當然接下來還是要從根本上我們會修保險法把有關那個受益人借物權的部分把它修到保險法裡面解決這個問題\n\n02:36.363 --> 02:54.592\n好那我想呢在市局長的協助之下應該可以很順利的很快的就完成這個任務那接下來呢我也看到了在洗錢防治要分階段納管虛擬資產平台與交易業務啊剛巧我這會期呢被發配到司法法治委員會\n\n02:55.692 --> 03:24.488\n看到您這些題目我都很後悔但沒辦法在那個重災區我們也關心到一些議題跟我們金管會有關那明天我們要排審洗錢防治法那這當中關於心理資產我們也問了一下新任的法務部正部長好像他說也有跟您請拜託過請託過因為現在很多詐團的犯罪所得他們基本上民眾最想要的就是把被騙的錢拿回來是不是這樣\n\n03:25.580 --> 03:44.131\n是的但是呢他們不管動產不動產那很好查但是遇到了虛幣或者是加密貨幣虛擬資產就沒轍了但是這裡面的是未來法務部的一個重點那我跟他提要說可能需要金管會這邊來協助那您覺得關於這個部分金管會可以幫得上什麼忙\n\n03:47.220 --> 03:58.564\n這個主要是我們在整個分工部分的話我們大概是在主柵就跟委員提到就是說但是零貴關懷主柵但是後面的加密貨幣或虛擬資產對對對這是我們在那個打柵專法裡面也把那個虛擬資產跟虛擬帳戶也放進來這裡規範就是這個部分把我們的整個規範的範圍加大了\n\n04:08.368 --> 04:22.985\n那再來就是剛剛前陣子我們在顯現防治法裡面呢也開始用登記制的方式納管這些所謂的這些的未來進行虛擬市場交易的那個那個對象這部分也會大幅提高這個管控的強度\n\n04:23.285 --> 04:47.951\n好很好主委這邊給一個參考的方向啦齁那麼就他們辦案的意見來講呢其實啊詐騙所的如果是用貨幣金錢啊進入到銀行帳戶啊因為大水庫啊進進出出到底哪一筆錢是哪一個人被詐的要緩繁實務上很困難因為什麼錢是一模一樣的但是相反的虛幣加密貨幣或虛擬資產就不一樣囉你給他的每一個\n\n04:49.091 --> 04:49.911\n我們看到很多年輕人吶\n\n05:19.533 --> 05:42.569\n他的帳號呢被拿去當人頭帳戶很倒霉在短短的時間內交易了好幾次馬上變成警示帳號甚至妨礙他未來的信用請問你認為要如何來防制這樣的情況再發生我們的帳戶的分級可以做到嗎?就像我們的ATM期款或者我們的信用卡可以分級有的卡只能夠3萬元有的卡可以上百萬元您覺得未來銀行帳戶可以做類似的分級管理嗎?\n\n05:46.124 --> 06:04.651\n報告委員其實現在銀行自己本身就已經做有一些分級的管理啦比如說久未往來的帳戶他如果一旦來更換他的硬件或者是一些他的現況的情況我了解我是想請教主委那未來你覺得可以怎麼樣去強化呢這也在你們的43個重點當中\n\n06:07.453 --> 06:27.251\n這個確實對於賬戶的分級管理我們除了現有的方式以外我們現在已經開始在研究或是折騰我們的這個銀行公會針對像比如說我們能不能有效的在源頭就做一些分級管理的管控這我們會來強化比如說什麼呢你們的分級管理可以更具體的後面描述幾個例子方向讓我們思考一下嗎\n\n06:27.796 --> 06:30.118\n我記得在更早之前有人告訴我你做一個上班族,你的薪資、帳戶啊\n\n06:56.579 --> 07:17.530\n你要累積到一定的信用銀行才會給你發給支票賬戶表示說你必須有一定的信用後你才能去開支票是不是這樣那未來是不是可以往這方面來發展來規劃這個朝風險為基礎的管控這應該是同一個方向好謝謝主委謝謝三位四位局長謝謝謝謝謝謝委員我們謝謝鍾佳濱委員謝謝接著我們請謝伊鳳委員\n\n","segments":[{"start":0.329,"end":24.854,"text":"委員先進列席政府機關首長官員、會長工作夥伴、媒體記者女士先生有請彭主委請到彭主委主委好 銀行局長上來 銀行局主委好 總委好 局長好主委你來自學界 你知道我們擔任民意代表經常選民有婚禮我們就會送什麼 送什麼這個"},{"start":27.193,"end":40.468,"text":"白頭偕老但是現在很難偕老就寫才子佳人或者是鳳凰餘輝生了小孩我們以前會弄弄髒知喜現在女男平等你覺得有人家生小孩我們送什麼他四個字"},{"start":43.342,"end":72.562,"text":"我們都會送生慶得人我也會送行政院這四個字因為很開心看到您到金管會來那麼過去在常在財委會的朋友們都知道來財委會我一定充分準備PowerPoint但是今天我沒有特別準備因為我相信我對主委過去在學界各種的論壇我去參與對您的瞭解以及您也常常給我寶貴意見您對我議題的瞭解應該我們彼此不太需要透過一個PowerPoint來溝通"},{"start":73.442,"end":96.258,"text":"加上我今天看了一下您的這個業務概況報告請問是您到任後才指示同仁做收集的嗎?有些部分新的措施確實是我到任以後才跟他們討論的那我看的蠻有你的特色這六大面向43個重點第一章就是關於風險監理就是您的本行但是我仔細看了一下我覺得也要幫寫這份"},{"start":97.447,"end":117.726,"text":"報告的同仁團隊給予肯定因為以我在財委會這幾年來大概這裡面我所偏好的有三分之一在裡面所以說好球帶蠻集中的蠻適合揮棒的我相信其他委員可以在這三四三個重點當中找到他們要的題材那底下我就針對幾個部分來就教於主委"},{"start":118.507,"end":131.122,"text":"那麼首先在您的第三面向第九點就是保險契約強制執行的參考原則剛好也是這距離近我都持續的在關心的那請問主委目前有什麼進度嗎?"},{"start":133.357,"end":155.127,"text":"現在的話就是我們現在會盡快的來跟我們執行單位訂定這個參考原則希望把這個處理能夠有一個更明確的方法交給這個執行單位來處理減少這些案件跟民怨那再來當然接下來還是要從根本上我們會修保險法把有關那個受益人借物權的部分把它修到保險法裡面解決這個問題"},{"start":156.363,"end":174.592,"text":"好那我想呢在市局長的協助之下應該可以很順利的很快的就完成這個任務那接下來呢我也看到了在洗錢防治要分階段納管虛擬資產平台與交易業務啊剛巧我這會期呢被發配到司法法治委員會"},{"start":175.692,"end":204.488,"text":"看到您這些題目我都很後悔但沒辦法在那個重災區我們也關心到一些議題跟我們金管會有關那明天我們要排審洗錢防治法那這當中關於心理資產我們也問了一下新任的法務部正部長好像他說也有跟您請拜託過請託過因為現在很多詐團的犯罪所得他們基本上民眾最想要的就是把被騙的錢拿回來是不是這樣"},{"start":205.58,"end":224.131,"text":"是的但是呢他們不管動產不動產那很好查但是遇到了虛幣或者是加密貨幣虛擬資產就沒轍了但是這裡面的是未來法務部的一個重點那我跟他提要說可能需要金管會這邊來協助那您覺得關於這個部分金管會可以幫得上什麼忙"},{"start":227.22,"end":238.564,"text":"這個主要是我們在整個分工部分的話我們大概是在主柵就跟委員提到就是說但是零貴關懷主柵但是後面的加密貨幣或虛擬資產對對對這是我們在那個打柵專法裡面也把那個虛擬資產跟虛擬帳戶也放進來這裡規範就是這個部分把我們的整個規範的範圍加大了"},{"start":248.368,"end":262.985,"text":"那再來就是剛剛前陣子我們在顯現防治法裡面呢也開始用登記制的方式納管這些所謂的這些的未來進行虛擬市場交易的那個那個對象這部分也會大幅提高這個管控的強度"},{"start":263.285,"end":287.951,"text":"好很好主委這邊給一個參考的方向啦齁那麼就他們辦案的意見來講呢其實啊詐騙所的如果是用貨幣金錢啊進入到銀行帳戶啊因為大水庫啊進進出出到底哪一筆錢是哪一個人被詐的要緩繁實務上很困難因為什麼錢是一模一樣的但是相反的虛幣加密貨幣或虛擬資產就不一樣囉你給他的每一個"},{"start":289.091,"end":289.911,"text":"我們看到很多年輕人吶"},{"start":319.533,"end":342.569,"text":"他的帳號呢被拿去當人頭帳戶很倒霉在短短的時間內交易了好幾次馬上變成警示帳號甚至妨礙他未來的信用請問你認為要如何來防制這樣的情況再發生我們的帳戶的分級可以做到嗎?就像我們的ATM期款或者我們的信用卡可以分級有的卡只能夠3萬元有的卡可以上百萬元您覺得未來銀行帳戶可以做類似的分級管理嗎?"},{"start":346.124,"end":364.651,"text":"報告委員其實現在銀行自己本身就已經做有一些分級的管理啦比如說久未往來的帳戶他如果一旦來更換他的硬件或者是一些他的現況的情況我了解我是想請教主委那未來你覺得可以怎麼樣去強化呢這也在你們的43個重點當中"},{"start":367.453,"end":387.251,"text":"這個確實對於賬戶的分級管理我們除了現有的方式以外我們現在已經開始在研究或是折騰我們的這個銀行公會針對像比如說我們能不能有效的在源頭就做一些分級管理的管控這我們會來強化比如說什麼呢你們的分級管理可以更具體的後面描述幾個例子方向讓我們思考一下嗎"},{"start":387.796,"end":390.118,"text":"我記得在更早之前有人告訴我你做一個上班族,你的薪資、帳戶啊"},{"start":416.579,"end":437.53,"text":"你要累積到一定的信用銀行才會給你發給支票賬戶表示說你必須有一定的信用後你才能去開支票是不是這樣那未來是不是可以往這方面來發展來規劃這個朝風險為基礎的管控這應該是同一個方向好謝謝主委謝謝三位四位局長謝謝謝謝謝謝委員我們謝謝鍾佳濱委員謝謝接著我們請謝伊鳳委員"}]}}}}