{"id":153881,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/153881","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/4f10fa8b3f7cd81915830d823d89cb2b182e407f268492bcf1306821ff1b0f81d506cc573e17a0395ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"黃秀芳","委員發言時間":"12:24:51 - 12:30:54","影片長度":"00:06:03","會議時間":"2024-06-12T09:00:00+08:00","會議名稱":"立法院第11屆第1會期財政委員會第17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、法務部、內政部警政署就「《洗錢防制法》修正草案與《詐欺犯罪危害防制條例》之制定對於防制虛擬資產及交易業務事業（VASP）淪為詐騙工具」、金融監督管理委員會就「虛擬資產專法制定進程」進行專題報告，並備質詢。\n【6月12日及13日二天一次會】）","type":"Clip","date":"2024-06-12","start_time":"2024-06-12T12:24:51+08:00","end_time":"2024-06-12T12:30:54+08:00","duration":363,"meet":{"tmpMeeting":null,"title":"第11屆第1會期財政委員會第17次全體委員會議","term":11,"type":"委員會","sessionPeriod":1,"sessionTimes":17,"committees":[20],"id":"委員會-11-1-20-17"},"features":["ai-transcript","gazette"],"gazette":{"lineno":988,"blocks":[["黃委員秀芳：（12時24分）謝謝主席，請主委。"],["主席：有請彭主委。"],["彭主任委員金隆：委員好。"],["黃委員秀芳：彭主委好。彭主委，本席今天想要請教主委，因為現在詐騙的手段日新月異，有關第三方支付這個部分，其實去年一場基層檢察官的研討會當中，就有檢察官大力砲轟第三方支付洗錢案，因為金管會針對第三方支付這個部分，好像沒有什麼管理，日均代理收付營業額20億元以下的業者，不用比照金融機關監管，造成第三方支付成為詐騙的溫床。所以本席想請教彭主委，未來針對第三方支付，你們要怎麼管理？"],["彭主任委員金隆：確實，我們當時在做的有兩個部分，一個是電子支付，一個是第三方支付，金管會是對金融機構進行管理，因為第三方支付的型態非常多，而且是一般商業模式，所以我們採用量能管理，當你達到一定的量，當它的影響力達到一定程度以後，我們就納入電子支付的管理。現在第三方支付是由數發部進行管理。"],["黃委員秀芳：是。所以到底有沒有在管？"],["彭主任委員金隆：電子支付的部分當然有在管理。例如第三方支付牽涉到打詐的部分，我們對他們採用的虛擬帳戶以及開戶的部分都有相關措施。"],["黃委員秀芳：好。既然說到虛擬帳戶，那本席就要說了，其實虛擬帳戶一天可以向銀行申請數十萬筆虛擬帳號，一般民眾受騙後報案，也許第一時間可以將這個虛擬帳號阻斷，例如先凍結，可是這個詐騙集團也許有幾十萬或好幾萬個虛擬帳號，這樣你們怎麼處理？"],["彭主任委員金隆：對於虛擬帳號，我們也注意到這個問題，因為它常會被用來從事不法，所以現在要開設虛擬帳號並沒有那麼簡單，我們有一定的規定，細節可以請銀行局局長向您說明。"],["黃委員秀芳：好的。"],["莊局長琇媛：因為第三方支付常常需要虛擬帳號，所以數發部也有一些洗錢防制的規範，第一個，它要先向數發部做量能登記，如果它沒有做量能登錄，當它向銀行開戶的時候，銀行會拒絕它開戶。已經是銀行客戶的部分，銀行也會看它有沒有向數發部做量能登錄，如果沒有向數發部做量能登錄的話，銀行會停止這個虛擬帳號的服務。"],["黃委員秀芳：好。本席想問一下，從你們實施這樣的作為之後，你們自己有統計過詐騙案的數量嗎？就是透過第三方支付或是虛擬帳號被詐騙的數量有減少嗎？好像也沒有耶！"],["莊局長琇媛：因為第三方支付的主管機關是數發部，我們覺得透過這樣的虛擬帳號管理，其實是可以適度降低啦！"],["黃委員秀芳：所以你們覺得這麼做以後，有效降低詐騙。但本席真的希望主委針對這部分要和數發部做一些溝通啦……"],["彭主任委員金隆：是的，對。"],["黃委員秀芳：主委，你們可能需要有效去監管，也需要數發部協助。","另外，我看到這幾年當中，警政署也特別統計，在六都之外詐騙發生數最高的縣市依序是彰化縣和雲林縣，有一些長輩可能連自己的退休金全部都投下去，投資詐騙也好，虛擬帳號也好，可能就這樣被轉出去了，甚至我在最近聽到一個老師把他畢生積蓄、退休金投資在網路投資中，一下子好幾百萬就轉出去了，我希望金管會針對第三方支付、虛擬帳號的部分應該要更加嚴格。另外，我覺得金管會不論跟數發部也好或警政單位，大家應該可以有些配合，因為我們可以看到詐騙無所不在，手段越來越新，我上次在內政委員會特別提到用名人在網路上投資詐騙的手段，讓一般的民眾會覺得是真的，這個名人也許就是張忠謀、謝金河，金管會在第三方支付或虛擬帳號可以再嚴格一點的話，也許可以阻斷源頭。"],["彭主任委員金隆：是，我們會來努力，這一向是我們阻詐工作的重點，委員的指正，我們會請同仁繼續努力，謝謝。"],["黃委員秀芳：好，謝謝。"],["主席：謝謝黃秀芳委員的質詢。","接著請邱志偉委員質詢。"]],"agenda":{"page_end":60,"meet_id":"委員會-11-1-20-17","speakers":["郭國文","林德福","吳秉叡","賴士葆","賴惠員","李彥秀","王鴻薇","顏寬恒","陳玉珍","伍麗華Saidhai‧Tahovecahe","林楚茵","李坤城","葛如鈞","王世堅","羅明才","黃秀芳","邱志偉","楊瓊瓔"],"page_start":1,"meetingDate":["2024-06-12"],"gazette_id":"1136001","agenda_lcidc_ids":["1136001_00002"],"meet_name":"立法院第11屆第1會期財政委員會第17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、法務部、內政部警政署就「《洗錢防制法》修正草案\n與《詐欺犯罪危害防制條例》之制定對於防制虛擬資產及交易業務事業（ 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\"end\": 98.866, \"text\": \"那金管會是對一個金融機構進行管理所以假設第三方支付它的型態非常的多而且它是我們一般商業的模式所以我們採用是一個量能的管理當你達到一定量以後它的影響力達到一定程度以後我們就納入電子支付的管理那現在第三方支付是由速發部在進行管理是所以到底有沒有在管啊\", \"words\": [{\"word\": \"那\", \"start\": 77.133, \"end\": 77.413, \"score\": 1.0}, {\"word\": \"金\", \"start\": 77.413, \"end\": 77.573, \"score\": 0.918}, {\"word\": \"管\", \"start\": 77.573, \"end\": 78.314, \"score\": 0.971}, {\"word\": \"會\"}, {\"word\": \"是\", \"start\": 78.314, \"end\": 78.854, \"score\": 0.954}, {\"word\": \"對\"}, {\"word\": \"一\", \"start\": 78.854, \"end\": 79.995, \"score\": 0.982}, {\"word\": \"個\"}, {\"word\": \"金\", \"start\": 79.995, \"end\": 80.115, \"score\": 0.989}, {\"word\": \"融\", \"start\": 80.115, \"end\": 80.675, \"score\": 0.871}, {\"word\": \"機\"}, {\"word\": \"構\"}, {\"word\": \"進\"}, {\"word\": \"行\", \"start\": 80.675, \"end\": 80.855, \"score\": 0.998}, {\"word\": \"管\", \"start\": 80.855, \"end\": 81.015, \"score\": 1.0}, {\"word\": \"理\", \"start\": 81.015, \"end\": 81.195, \"score\": 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\"end\": 170.533, \"score\": 0.835}, {\"word\": \"登\", \"start\": 170.533, \"end\": 171.554, \"score\": 0.872}, {\"word\": \"記\"}, {\"word\": \"如\", \"start\": 171.554, \"end\": 171.694, \"score\": 0.638}, {\"word\": \"果\", \"start\": 171.694, \"end\": 171.874, \"score\": 0.619}, {\"word\": \"他\", \"start\": 171.874, \"end\": 172.034, \"score\": 0.631}, {\"word\": \"沒\", \"start\": 172.034, \"end\": 172.235, \"score\": 0.896}, {\"word\": \"有\", \"start\": 172.235, \"end\": 172.615, \"score\": 0.991}, {\"word\": \"做\", \"start\": 172.615, \"end\": 172.975, \"score\": 0.964}, {\"word\": \"量\", \"start\": 172.975, \"end\": 173.195, \"score\": 0.726}, {\"word\": \"能\", \"start\": 173.195, \"end\": 173.395, \"score\": 0.836}, {\"word\": \"登\", \"start\": 173.395, \"end\": 173.776, \"score\": 0.761}, {\"word\": \"錄\"}, {\"word\": \"的\", \"start\": 173.776, \"end\": 174.196, \"score\": 0.933}, {\"word\": \"時\"}, {\"word\": \"候\", \"start\": 174.196, \"end\": 174.616, \"score\": 0.864}, {\"word\": \"他\", \"start\": 174.616, \"end\": 174.756, \"score\": 0.707}, {\"word\": \"再\", \"start\": 174.756, \"end\": 174.916, \"score\": 0.725}, {\"word\": \"跟\", \"start\": 174.916, \"end\": 175.076, \"score\": 0.892}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 175.076, \"end\": 175.176, \"score\": 0.797}, {\"word\": \"開\"}, {\"word\": \"戶\"}, {\"word\": \"的\", \"start\": 175.176, \"end\": 175.196, \"score\": 0.0}, {\"word\": \"時\"}, {\"word\": \"候\", \"start\": 175.196, \"end\": 175.217, \"score\": 0.0}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 175.217, \"end\": 175.317, \"score\": 0.983}, {\"word\": \"會\"}, {\"word\": \"拒\", \"start\": 175.317, \"end\": 175.337, \"score\": 0.0}, {\"word\": \"絕\"}, {\"word\": \"他\", \"start\": 175.337, \"end\": 175.357, \"score\": 0.0}, {\"word\": \"開\"}, {\"word\": \"戶\"}]}, {\"start\": 179.079, \"end\": 203.578, \"text\": \"那針對已經是銀行客戶的時候銀行他也會去看說他有沒有跟速發部做量能登錄如果他沒有跟速發部做量能登錄的話這個虛擬帳號的服務銀行會停止好 那我想問一下就是說從你們這樣子的一個作為之後那這個詐騙的數量你們自己有去統計嗎就是透過這個第三方支付或是虛擬帳號這個被詐騙的\", \"words\": [{\"word\": \"那\", \"start\": 179.079, \"end\": 180.02, \"score\": 0.906}, {\"word\": \"針\"}, {\"word\": \"對\"}, {\"word\": \"已\", \"start\": 180.02, \"end\": 181.121, \"score\": 0.947}, {\"word\": \"經\"}, {\"word\": \"是\", \"start\": 181.121, \"end\": 181.681, \"score\": 0.872}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 181.681, \"end\": 181.901, \"score\": 0.807}, {\"word\": \"客\", \"start\": 181.901, \"end\": 182.261, \"score\": 0.81}, {\"word\": \"戶\"}, {\"word\": \"的\", \"start\": 182.261, \"end\": 182.662, \"score\": 0.856}, {\"word\": \"時\"}, {\"word\": \"候\", \"start\": 182.662, \"end\": 183.642, \"score\": 0.783}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 183.642, \"end\": 183.923, \"score\": 0.66}, {\"word\": \"他\", \"start\": 183.923, \"end\": 184.083, \"score\": 0.857}, {\"word\": \"也\", \"start\": 184.083, \"end\": 184.403, \"score\": 0.795}, {\"word\": \"會\"}, {\"word\": \"去\", 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{\"word\": \"錄\"}, {\"word\": \"如\", \"start\": 187.565, \"end\": 187.726, \"score\": 0.647}, {\"word\": \"果\", \"start\": 187.726, \"end\": 187.846, \"score\": 0.564}, {\"word\": \"他\", \"start\": 187.846, \"end\": 187.986, \"score\": 0.771}, {\"word\": \"沒\", \"start\": 187.986, \"end\": 188.146, \"score\": 0.838}, {\"word\": \"有\", \"start\": 188.146, \"end\": 188.286, \"score\": 0.793}, {\"word\": \"跟\", \"start\": 188.286, \"end\": 188.466, \"score\": 0.974}, {\"word\": \"速\", \"start\": 188.466, \"end\": 188.886, \"score\": 0.777}, {\"word\": \"發\"}, {\"word\": \"部\", \"start\": 188.886, \"end\": 189.127, \"score\": 0.894}, {\"word\": \"做\", \"start\": 189.127, \"end\": 189.347, \"score\": 0.838}, {\"word\": \"量\", \"start\": 189.347, \"end\": 189.547, \"score\": 0.704}, {\"word\": \"能\", \"start\": 189.547, \"end\": 189.767, \"score\": 0.677}, {\"word\": \"登\", \"start\": 189.767, \"end\": 190.087, \"score\": 0.77}, {\"word\": \"錄\"}, {\"word\": \"的\", \"start\": 190.087, 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{\"word\": \"騙\"}, {\"word\": \"的\", \"start\": 198.734, \"end\": 199.114, \"score\": 0.938}, {\"word\": \"數\"}, {\"word\": \"量\", \"start\": 199.114, \"end\": 200.035, \"score\": 0.861}, {\"word\": \"你\", \"start\": 200.035, \"end\": 200.295, \"score\": 0.874}, {\"word\": \"們\"}, {\"word\": \"自\", \"start\": 200.295, \"end\": 200.395, \"score\": 0.995}, {\"word\": \"己\", \"start\": 200.395, \"end\": 200.435, \"score\": 0.772}, {\"word\": \"有\", \"start\": 200.435, \"end\": 201.076, \"score\": 0.876}, {\"word\": \"去\", \"start\": 201.076, \"end\": 201.436, \"score\": 0.807}, {\"word\": \"統\"}, {\"word\": \"計\"}, {\"word\": \"嗎\"}, {\"word\": \"就\", \"start\": 201.436, \"end\": 201.556, \"score\": 0.991}, {\"word\": \"是\", \"start\": 201.556, \"end\": 201.716, \"score\": 0.83}, {\"word\": \"透\", \"start\": 201.716, \"end\": 202.417, \"score\": 0.828}, {\"word\": \"過\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"第\", \"start\": 202.417, \"end\": 202.557, \"score\": 0.906}, {\"word\": \"三\", \"start\": 202.557, \"end\": 202.817, \"score\": 0.942}, {\"word\": \"方\", \"start\": 202.817, \"end\": 203.057, \"score\": 0.854}, {\"word\": \"支\", \"start\": 203.057, \"end\": 203.257, \"score\": 0.896}, {\"word\": \"付\", \"start\": 203.257, \"end\": 203.397, \"score\": 0.873}, {\"word\": \"或\", \"start\": 203.397, \"end\": 203.518, \"score\": 0.819}, {\"word\": \"是\", \"start\": 203.518, \"end\": 203.538, \"score\": 0.0}, {\"word\": \"虛\"}, {\"word\": \"擬\"}, {\"word\": \"帳\"}, {\"word\": \"號\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"被\", \"start\": 203.538, \"end\": 203.558, \"score\": 0.0}, {\"word\": \"詐\"}, {\"word\": \"騙\"}, {\"word\": \"的\", \"start\": 203.558, \"end\": 203.578, \"score\": 0.008}]}, {\"start\": 207.48, \"end\": 225.833, \"text\": \"這個數量有減少嗎?好像也沒有欸報委員因為整個第三方支付如果他的主管機關是速發部那我們是覺得因為透過這樣子的虛擬帳號的管理的時候其實是可以適度的降低啦\", \"words\": [{\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"數\"}, {\"word\": \"量\", \"start\": 207.48, \"end\": 207.661, \"score\": 0.988}, {\"word\": \"有\", \"start\": 207.661, \"end\": 208.081, \"score\": 0.905}, {\"word\": \"減\"}, {\"word\": \"少\", \"start\": 208.081, \"end\": 208.701, \"score\": 0.904}, {\"word\": \"嗎\"}, {\"word\": \"?\"}, {\"word\": \"好\", \"start\": 208.701, \"end\": 208.861, \"score\": 0.96}, {\"word\": \"像\", \"start\": 208.861, \"end\": 209.082, \"score\": 0.913}, {\"word\": \"也\", \"start\": 209.082, \"end\": 209.182, \"score\": 0.99}, {\"word\": \"沒\", \"start\": 209.182, \"end\": 209.402, \"score\": 0.803}, {\"word\": \"有\", \"start\": 209.402, \"end\": 211.243, \"score\": 0.946}, {\"word\": \"欸\"}, {\"word\": \"報\"}, {\"word\": \"委\", \"start\": 211.243, \"end\": 211.603, \"score\": 0.92}, {\"word\": \"員\"}, {\"word\": \"因\", \"start\": 211.603, \"end\": 212.104, \"score\": 0.958}, {\"word\": \"為\"}, {\"word\": \"整\", \"start\": 212.104, \"end\": 212.464, \"score\": 0.944}, {\"word\": \"個\"}, {\"word\": \"第\", \"start\": 212.464, \"end\": 212.624, \"score\": 0.886}, {\"word\": \"三\", \"start\": 212.624, \"end\": 212.764, \"score\": 0.981}, {\"word\": \"方\", \"start\": 212.764, \"end\": 213.044, \"score\": 0.929}, {\"word\": \"支\", \"start\": 213.044, \"end\": 213.244, \"score\": 0.975}, {\"word\": \"付\", \"start\": 213.244, \"end\": 213.404, \"score\": 0.924}, {\"word\": \"如\", \"start\": 213.404, \"end\": 213.645, \"score\": 0.997}, {\"word\": \"果\", \"start\": 213.645, \"end\": 214.965, \"score\": 0.998}, {\"word\": \"他\", \"start\": 214.965, \"end\": 215.246, \"score\": 0.959}, {\"word\": \"的\", \"start\": 215.246, \"end\": 215.426, \"score\": 0.997}, {\"word\": \"主\", \"start\": 215.426, \"end\": 215.586, \"score\": 0.956}, {\"word\": \"管\", \"start\": 215.586, \"end\": 216.346, \"score\": 0.94}, {\"word\": \"機\"}, {\"word\": \"關\"}, {\"word\": \"是\", \"start\": 216.346, \"end\": 216.707, \"score\": 1.0}, {\"word\": \"速\", \"start\": 216.707, \"end\": 217.147, \"score\": 0.907}, {\"word\": \"發\"}, {\"word\": \"部\", \"start\": 217.147, 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222.29, \"end\": 222.49, \"score\": 0.905}, {\"word\": \"的\", \"start\": 222.49, \"end\": 222.931, \"score\": 0.953}, {\"word\": \"時\"}, {\"word\": \"候\", \"start\": 222.931, \"end\": 223.351, \"score\": 0.992}, {\"word\": \"其\", \"start\": 223.351, \"end\": 223.631, \"score\": 0.842}, {\"word\": \"實\"}, {\"word\": \"是\", \"start\": 223.631, \"end\": 223.831, \"score\": 0.958}, {\"word\": \"可\", \"start\": 223.831, \"end\": 223.991, \"score\": 0.952}, {\"word\": \"以\", \"start\": 223.991, \"end\": 224.452, \"score\": 0.955}, {\"word\": \"適\"}, {\"word\": \"度\", \"start\": 224.452, \"end\": 224.752, \"score\": 0.997}, {\"word\": \"的\", \"start\": 224.752, \"end\": 225.192, \"score\": 0.999}, {\"word\": \"降\", \"start\": 225.192, \"end\": 225.532, \"score\": 0.995}, {\"word\": \"低\", \"start\": 225.532, \"end\": 225.813, \"score\": 0.994}, {\"word\": \"啦\", \"start\": 225.813, \"end\": 225.833, \"score\": 0.031}]}, {\"start\": 227.05, \"end\": 247.195, \"text\": \"所以你們覺得說是有效的降低這個詐騙可是真的我希望說主委針對這部分可能需要再跟也許你們跟訴發部這邊也要有一些溝通就是說我們主委這邊我們可能需要\", \"words\": [{\"word\": \"所\", \"start\": 227.05, \"end\": 227.21, \"score\": 0.884}, {\"word\": \"以\", \"start\": 227.21, \"end\": 227.29, \"score\": 0.766}, {\"word\": \"你\", \"start\": 227.29, \"end\": 227.67, \"score\": 0.846}, {\"word\": \"們\"}, {\"word\": \"覺\"}, {\"word\": \"得\", \"start\": 227.67, \"end\": 228.05, \"score\": 0.946}, {\"word\": \"說\"}, {\"word\": \"是\", \"start\": 228.05, \"end\": 228.23, \"score\": 0.997}, {\"word\": \"有\", \"start\": 228.23, \"end\": 228.45, \"score\": 0.994}, {\"word\": \"效\", \"start\": 228.45, \"end\": 228.71, \"score\": 0.913}, {\"word\": \"的\", \"start\": 228.71, \"end\": 229.511, \"score\": 0.998}, {\"word\": \"降\", \"start\": 229.511, \"end\": 229.791, \"score\": 0.994}, {\"word\": \"低\", \"start\": 229.791, \"end\": 230.631, \"score\": 0.915}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"詐\"}, {\"word\": \"騙\"}, {\"word\": \"可\", \"start\": 230.631, 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{\"word\": \"我\", \"start\": 358.205, \"end\": 358.385, \"score\": 0.888}, {\"word\": \"們\"}, {\"word\": \"會\"}, {\"word\": \"來\"}, {\"word\": \"請\"}, {\"word\": \"請\"}, {\"word\": \"同\", \"start\": 358.385, \"end\": 358.525, \"score\": 0.857}, {\"word\": \"仁\", \"start\": 358.525, \"end\": 358.625, \"score\": 0.8}, {\"word\": \"繼\"}, {\"word\": \"續\"}, {\"word\": \"努\", \"start\": 358.625, \"end\": 358.745, \"score\": 0.833}, {\"word\": \"力\", \"start\": 358.745, \"end\": 358.825, \"score\": 0.75}, {\"word\": \"好\", \"start\": 358.825, \"end\": 358.845, \"score\": 0.0}, {\"word\": \"謝\"}, {\"word\": \"謝\"}], \"language\": \"zh\"}","srt":"1\n00:00:03,524 --> 00:00:03,966\n有請黃主委有請黃主委\n\n2\n00:00:10,714 --> 00:00:30,610\n委員好彭主委好彭主委我今天想要請教主委因為現在詐騙的手段日新月異我們也看到有關第三方支付這個部分其實在去年一場基層檢察官的研討會當中就有檢察官在大力的砲轟說偵辦第三方支付洗錢案\n\n3\n00:00:38,737 --> 00:01:00,941\n那因為我們這個金管會針對這個第三方支付的這個部分其實好像也沒有什麼管理啦就是針對在那個這個日均代理收付營業額20億以下的這個業者不用比照金融機關來監管所以造成說這個第三方支付成為這個詐騙的溫床\n\n4\n00:01:03,582 --> 00:01:16,389\n所以我想請教彭主委未來針對我們這個第三方支付你們要怎麼去做管理確實喔就是我們在當時在做我們有兩個就是一個電子支付一個是第三方支付\n\n5\n00:01:17,133 --> 00:01:38,866\n那金管會是對一個金融機構進行管理所以假設第三方支付它的型態非常的多而且它是我們一般商業的模式所以我們採用是一個量能的管理當你達到一定量以後它的影響力達到一定程度以後我們就納入電子支付的管理那現在第三方支付是由速發部在進行管理是所以到底有沒有在管啊\n\n6\n00:01:39,566 --> 00:01:57,245\n我們電資當然有管比如說我們第三方支付我們在比如說簽證到那個打炸的部分我們對他們採用的所謂的虛擬帳戶以及開戶的部分我們都有在做相關的措施在做好那講到這個虛擬帳戶我就要講說虛擬帳戶其實一天可以跟銀行申請數十萬筆的這個虛擬帳號\n\n7\n00:02:00,568 --> 00:02:15,875\n如果說一般的民眾他受騙了報案也許在第一時間可以將這個虛擬賬號給阻斷可能就是先凍結可是這個詐騙集團他也許他有幾十萬個或者是這個好幾萬個這個虛擬賬號那這樣子你們怎麼處理\n\n8\n00:02:20,037 --> 00:02:34,132\n我們現在對虛擬帳號因為我們也注意到了就是它是一個常常會作為利用不法的這個規定所以我們對這個要開設虛擬帳號我們其實也現在也沒那麼簡單所以我們會有一定的規定那細節我可以請銀行局局長跟您說明\n\n9\n00:02:39,266 --> 00:02:55,357\n第三方支付因為他常需要虛擬帳號那其實第三方支付數位部這邊也有一些洗錢防制的規範所以第一個他要去跟數法部那邊先做量能登記如果他沒有做量能登錄的時候他再跟銀行開戶的時候銀行會拒絕他開戶\n\n10\n00:02:59,079 --> 00:03:23,578\n那針對已經是銀行客戶的時候銀行他也會去看說他有沒有跟速發部做量能登錄如果他沒有跟速發部做量能登錄的話這個虛擬帳號的服務銀行會停止好那我想問一下就是說從你們這樣子的一個作為之後那這個詐騙的數量你們自己有去統計嗎就是透過這個第三方支付或是虛擬帳號這個被詐騙的\n\n11\n00:03:27,480 --> 00:03:45,833\n這個數量有減少嗎?好像也沒有欸報委員因為整個第三方支付如果他的主管機關是速發部那我們是覺得因為透過這樣子的虛擬帳號的管理的時候其實是可以適度的降低啦\n\n12\n00:03:47,050 --> 00:04:07,195\n所以你們覺得說是有效的降低這個詐騙可是真的我希望說主委針對這部分可能需要再跟也許你們跟訴發部這邊也要有一些溝通就是說我們主委這邊我們可能需要\n\n13\n00:04:08,115 --> 00:04:34,061\n有效的去監管那也需要速發部這邊來協助另外我看到就是說其實在這幾年當中尤其警政署也有特別統計就是說在六都之外詐騙發生數最高的縣市依序是彰化縣跟雲林縣在這幾年當中就是說有一些長輩他可能連自己的退休金全部都投下去\n\n14\n00:04:36,162 --> 00:04:52,659\n這個投資詐騙也好或者是虛擬帳號的這樣子一個就被轉出去了甚至我在最近聽到一個老師他把他所有畢生的積蓄、退休金全部都投資在這個投資就是網路投資的這個網路\n\n15\n00:04:54,020 --> 00:05:17,347\n當中然後就一下子個好幾百萬就轉出去了所以我是希望就是說金管會針對這個第三方支付虛擬帳號這部分我覺得應該要再更加的嚴格那另外我覺得說金管會不論是跟速發部也好或者是跟這個警政單位我覺得應該大家都可以有一些配合啦因為真的我們看到\n\n16\n00:05:18,527 --> 00:05:39,238\n詐騙真的是無所不在而且真的是這個手段真的是越來越新我上一次在那個內政委員會就有特別提到用名人來在網路上面就是投資投資詐騙的這個手段讓一般的民眾會覺得說這個名人也許就是張忠謀也許是謝金河\n\n17\n00:05:40,178 --> 00:05:58,845\n所以這樣子我覺得說金管會在這個第三方支付或者是虛擬賬號我覺得如果說可以再嚴格一點的話也許可以阻斷源頭是是我們會來努力就是因為這這個一項就是我們在在做主柵工作上的重點對我們會來那個委員的指證我們會來請請同仁繼續努力好謝謝\n\n","tsv":"start\tend\ttext\n3524\t3966\t有請黃主委有請黃主委\n10714\t30610\t委員好彭主委好彭主委我今天想要請教主委因為現在詐騙的手段日新月異我們也看到有關第三方支付這個部分其實在去年一場基層檢察官的研討會當中就有檢察官在大力的砲轟說偵辦第三方支付洗錢案\n38737\t60941\t那因為我們這個金管會針對這個第三方支付的這個部分其實好像也沒有什麼管理啦就是針對在那個這個日均代理收付營業額20億以下的這個業者不用比照金融機關來監管所以造成說這個第三方支付成為這個詐騙的溫床\n63582\t76389\t所以我想請教彭主委未來針對我們這個第三方支付你們要怎麼去做管理確實喔就是我們在當時在做我們有兩個就是一個電子支付一個是第三方支付\n77133\t98866\t那金管會是對一個金融機構進行管理所以假設第三方支付它的型態非常的多而且它是我們一般商業的模式所以我們採用是一個量能的管理當你達到一定量以後它的影響力達到一定程度以後我們就納入電子支付的管理那現在第三方支付是由速發部在進行管理是所以到底有沒有在管啊\n99566\t117245\t我們電資當然有管比如說我們第三方支付我們在比如說簽證到那個打炸的部分我們對他們採用的所謂的虛擬帳戶以及開戶的部分我們都有在做相關的措施在做好那講到這個虛擬帳戶我就要講說虛擬帳戶其實一天可以跟銀行申請數十萬筆的這個虛擬帳號\n120568\t135875\t如果說一般的民眾他受騙了報案也許在第一時間可以將這個虛擬賬號給阻斷可能就是先凍結可是這個詐騙集團他也許他有幾十萬個或者是這個好幾萬個這個虛擬賬號那這樣子你們怎麼處理\n140037\t154132\t我們現在對虛擬帳號因為我們也注意到了就是它是一個常常會作為利用不法的這個規定所以我們對這個要開設虛擬帳號我們其實也現在也沒那麼簡單所以我們會有一定的規定那細節我可以請銀行局局長跟您說明\n159266\t175357\t第三方支付因為他常需要虛擬帳號那其實第三方支付數位部這邊也有一些洗錢防制的規範所以第一個他要去跟數法部那邊先做量能登記如果他沒有做量能登錄的時候他再跟銀行開戶的時候銀行會拒絕他開戶\n179079\t203578\t那針對已經是銀行客戶的時候銀行他也會去看說他有沒有跟速發部做量能登錄如果他沒有跟速發部做量能登錄的話這個虛擬帳號的服務銀行會停止好 那我想問一下就是說從你們這樣子的一個作為之後那這個詐騙的數量你們自己有去統計嗎就是透過這個第三方支付或是虛擬帳號這個被詐騙的\n207480\t225833\t這個數量有減少嗎?好像也沒有欸報委員因為整個第三方支付如果他的主管機關是速發部那我們是覺得因為透過這樣子的虛擬帳號的管理的時候其實是可以適度的降低啦\n227050\t247195\t所以你們覺得說是有效的降低這個詐騙可是真的我希望說主委針對這部分可能需要再跟也許你們跟訴發部這邊也要有一些溝通就是說我們主委這邊我們可能需要\n248115\t274061\t有效的去監管那也需要速發部這邊來協助另外我看到就是說其實在這幾年當中尤其警政署也有特別統計就是說在六都之外詐騙發生數最高的縣市依序是彰化縣跟雲林縣在這幾年當中就是說有一些長輩他可能連自己的退休金全部都投下去\n276162\t292659\t這個投資詐騙也好或者是虛擬帳號的這樣子一個就被轉出去了甚至我在最近聽到一個老師他把他所有畢生的積蓄、退休金全部都投資在這個投資就是網路投資的這個網路\n294020\t317347\t當中然後就一下子個好幾百萬就轉出去了所以我是希望就是說金管會針對這個第三方支付虛擬帳號這部分我覺得應該要再更加的嚴格那另外我覺得說金管會不論是跟速發部也好或者是跟這個警政單位我覺得應該大家都可以有一些配合啦因為真的我們看到\n318527\t339238\t詐騙真的是無所不在而且真的是這個手段真的是越來越新我上一次在那個內政委員會就有特別提到用名人來在網路上面就是投資投資詐騙的這個手段讓一般的民眾會覺得說這個名人也許就是張忠謀也許是謝金河\n340178\t358845\t所以這樣子我覺得說金管會在這個第三方支付或者是虛擬賬號我覺得如果說可以再嚴格一點的話也許可以阻斷源頭是是我們會來努力就是因為這這個一項就是我們在在做主柵工作上的重點對我們會來那個委員的指證我們會來請請同仁繼續努力好謝謝\n","txt":"有請黃主委有請黃主委\n委員好彭主委好彭主委我今天想要請教主委因為現在詐騙的手段日新月異我們也看到有關第三方支付這個部分其實在去年一場基層檢察官的研討會當中就有檢察官在大力的砲轟說偵辦第三方支付洗錢案\n那因為我們這個金管會針對這個第三方支付的這個部分其實好像也沒有什麼管理啦就是針對在那個這個日均代理收付營業額20億以下的這個業者不用比照金融機關來監管所以造成說這個第三方支付成為這個詐騙的溫床\n所以我想請教彭主委未來針對我們這個第三方支付你們要怎麼去做管理確實喔就是我們在當時在做我們有兩個就是一個電子支付一個是第三方支付\n那金管會是對一個金融機構進行管理所以假設第三方支付它的型態非常的多而且它是我們一般商業的模式所以我們採用是一個量能的管理當你達到一定量以後它的影響力達到一定程度以後我們就納入電子支付的管理那現在第三方支付是由速發部在進行管理是所以到底有沒有在管啊\n我們電資當然有管比如說我們第三方支付我們在比如說簽證到那個打炸的部分我們對他們採用的所謂的虛擬帳戶以及開戶的部分我們都有在做相關的措施在做好那講到這個虛擬帳戶我就要講說虛擬帳戶其實一天可以跟銀行申請數十萬筆的這個虛擬帳號\n如果說一般的民眾他受騙了報案也許在第一時間可以將這個虛擬賬號給阻斷可能就是先凍結可是這個詐騙集團他也許他有幾十萬個或者是這個好幾萬個這個虛擬賬號那這樣子你們怎麼處理\n我們現在對虛擬帳號因為我們也注意到了就是它是一個常常會作為利用不法的這個規定所以我們對這個要開設虛擬帳號我們其實也現在也沒那麼簡單所以我們會有一定的規定那細節我可以請銀行局局長跟您說明\n第三方支付因為他常需要虛擬帳號那其實第三方支付數位部這邊也有一些洗錢防制的規範所以第一個他要去跟數法部那邊先做量能登記如果他沒有做量能登錄的時候他再跟銀行開戶的時候銀行會拒絕他開戶\n那針對已經是銀行客戶的時候銀行他也會去看說他有沒有跟速發部做量能登錄如果他沒有跟速發部做量能登錄的話這個虛擬帳號的服務銀行會停止好 那我想問一下就是說從你們這樣子的一個作為之後那這個詐騙的數量你們自己有去統計嗎就是透過這個第三方支付或是虛擬帳號這個被詐騙的\n這個數量有減少嗎?好像也沒有欸報委員因為整個第三方支付如果他的主管機關是速發部那我們是覺得因為透過這樣子的虛擬帳號的管理的時候其實是可以適度的降低啦\n所以你們覺得說是有效的降低這個詐騙可是真的我希望說主委針對這部分可能需要再跟也許你們跟訴發部這邊也要有一些溝通就是說我們主委這邊我們可能需要\n有效的去監管那也需要速發部這邊來協助另外我看到就是說其實在這幾年當中尤其警政署也有特別統計就是說在六都之外詐騙發生數最高的縣市依序是彰化縣跟雲林縣在這幾年當中就是說有一些長輩他可能連自己的退休金全部都投下去\n這個投資詐騙也好或者是虛擬帳號的這樣子一個就被轉出去了甚至我在最近聽到一個老師他把他所有畢生的積蓄、退休金全部都投資在這個投資就是網路投資的這個網路\n當中然後就一下子個好幾百萬就轉出去了所以我是希望就是說金管會針對這個第三方支付虛擬帳號這部分我覺得應該要再更加的嚴格那另外我覺得說金管會不論是跟速發部也好或者是跟這個警政單位我覺得應該大家都可以有一些配合啦因為真的我們看到\n詐騙真的是無所不在而且真的是這個手段真的是越來越新我上一次在那個內政委員會就有特別提到用名人來在網路上面就是投資投資詐騙的這個手段讓一般的民眾會覺得說這個名人也許就是張忠謀也許是謝金河\n所以這樣子我覺得說金管會在這個第三方支付或者是虛擬賬號我覺得如果說可以再嚴格一點的話也許可以阻斷源頭是是我們會來努力就是因為這這個一項就是我們在在做主柵工作上的重點對我們會來那個委員的指證我們會來請請同仁繼續努力好謝謝\n","vtt":"WEBVTT\n\n00:03.524 --> 00:03.966\n有請黃主委有請黃主委\n\n00:10.714 --> 00:30.610\n委員好彭主委好彭主委我今天想要請教主委因為現在詐騙的手段日新月異我們也看到有關第三方支付這個部分其實在去年一場基層檢察官的研討會當中就有檢察官在大力的砲轟說偵辦第三方支付洗錢案\n\n00:38.737 --> 01:00.941\n那因為我們這個金管會針對這個第三方支付的這個部分其實好像也沒有什麼管理啦就是針對在那個這個日均代理收付營業額20億以下的這個業者不用比照金融機關來監管所以造成說這個第三方支付成為這個詐騙的溫床\n\n01:03.582 --> 01:16.389\n所以我想請教彭主委未來針對我們這個第三方支付你們要怎麼去做管理確實喔就是我們在當時在做我們有兩個就是一個電子支付一個是第三方支付\n\n01:17.133 --> 01:38.866\n那金管會是對一個金融機構進行管理所以假設第三方支付它的型態非常的多而且它是我們一般商業的模式所以我們採用是一個量能的管理當你達到一定量以後它的影響力達到一定程度以後我們就納入電子支付的管理那現在第三方支付是由速發部在進行管理是所以到底有沒有在管啊\n\n01:39.566 --> 01:57.245\n我們電資當然有管比如說我們第三方支付我們在比如說簽證到那個打炸的部分我們對他們採用的所謂的虛擬帳戶以及開戶的部分我們都有在做相關的措施在做好那講到這個虛擬帳戶我就要講說虛擬帳戶其實一天可以跟銀行申請數十萬筆的這個虛擬帳號\n\n02:00.568 --> 02:15.875\n如果說一般的民眾他受騙了報案也許在第一時間可以將這個虛擬賬號給阻斷可能就是先凍結可是這個詐騙集團他也許他有幾十萬個或者是這個好幾萬個這個虛擬賬號那這樣子你們怎麼處理\n\n02:20.037 --> 02:34.132\n我們現在對虛擬帳號因為我們也注意到了就是它是一個常常會作為利用不法的這個規定所以我們對這個要開設虛擬帳號我們其實也現在也沒那麼簡單所以我們會有一定的規定那細節我可以請銀行局局長跟您說明\n\n02:39.266 --> 02:55.357\n第三方支付因為他常需要虛擬帳號那其實第三方支付數位部這邊也有一些洗錢防制的規範所以第一個他要去跟數法部那邊先做量能登記如果他沒有做量能登錄的時候他再跟銀行開戶的時候銀行會拒絕他開戶\n\n02:59.079 --> 03:23.578\n那針對已經是銀行客戶的時候銀行他也會去看說他有沒有跟速發部做量能登錄如果他沒有跟速發部做量能登錄的話這個虛擬帳號的服務銀行會停止好那我想問一下就是說從你們這樣子的一個作為之後那這個詐騙的數量你們自己有去統計嗎就是透過這個第三方支付或是虛擬帳號這個被詐騙的\n\n03:27.480 --> 03:45.833\n這個數量有減少嗎?好像也沒有欸報委員因為整個第三方支付如果他的主管機關是速發部那我們是覺得因為透過這樣子的虛擬帳號的管理的時候其實是可以適度的降低啦\n\n03:47.050 --> 04:07.195\n所以你們覺得說是有效的降低這個詐騙可是真的我希望說主委針對這部分可能需要再跟也許你們跟訴發部這邊也要有一些溝通就是說我們主委這邊我們可能需要\n\n04:08.115 --> 04:34.061\n有效的去監管那也需要速發部這邊來協助另外我看到就是說其實在這幾年當中尤其警政署也有特別統計就是說在六都之外詐騙發生數最高的縣市依序是彰化縣跟雲林縣在這幾年當中就是說有一些長輩他可能連自己的退休金全部都投下去\n\n04:36.162 --> 04:52.659\n這個投資詐騙也好或者是虛擬帳號的這樣子一個就被轉出去了甚至我在最近聽到一個老師他把他所有畢生的積蓄、退休金全部都投資在這個投資就是網路投資的這個網路\n\n04:54.020 --> 05:17.347\n當中然後就一下子個好幾百萬就轉出去了所以我是希望就是說金管會針對這個第三方支付虛擬帳號這部分我覺得應該要再更加的嚴格那另外我覺得說金管會不論是跟速發部也好或者是跟這個警政單位我覺得應該大家都可以有一些配合啦因為真的我們看到\n\n05:18.527 --> 05:39.238\n詐騙真的是無所不在而且真的是這個手段真的是越來越新我上一次在那個內政委員會就有特別提到用名人來在網路上面就是投資投資詐騙的這個手段讓一般的民眾會覺得說這個名人也許就是張忠謀也許是謝金河\n\n05:40.178 --> 05:58.845\n所以這樣子我覺得說金管會在這個第三方支付或者是虛擬賬號我覺得如果說可以再嚴格一點的話也許可以阻斷源頭是是我們會來努力就是因為這這個一項就是我們在在做主柵工作上的重點對我們會來那個委員的指證我們會來請請同仁繼續努力好謝謝\n\n","segments":[{"start":3.524,"end":3.966,"text":"有請黃主委有請黃主委"},{"start":10.714,"end":30.61,"text":"委員好彭主委好彭主委我今天想要請教主委因為現在詐騙的手段日新月異我們也看到有關第三方支付這個部分其實在去年一場基層檢察官的研討會當中就有檢察官在大力的砲轟說偵辦第三方支付洗錢案"},{"start":38.737,"end":60.941,"text":"那因為我們這個金管會針對這個第三方支付的這個部分其實好像也沒有什麼管理啦就是針對在那個這個日均代理收付營業額20億以下的這個業者不用比照金融機關來監管所以造成說這個第三方支付成為這個詐騙的溫床"},{"start":63.582,"end":76.389,"text":"所以我想請教彭主委未來針對我們這個第三方支付你們要怎麼去做管理確實喔就是我們在當時在做我們有兩個就是一個電子支付一個是第三方支付"},{"start":77.133,"end":98.866,"text":"那金管會是對一個金融機構進行管理所以假設第三方支付它的型態非常的多而且它是我們一般商業的模式所以我們採用是一個量能的管理當你達到一定量以後它的影響力達到一定程度以後我們就納入電子支付的管理那現在第三方支付是由速發部在進行管理是所以到底有沒有在管啊"},{"start":99.566,"end":117.245,"text":"我們電資當然有管比如說我們第三方支付我們在比如說簽證到那個打炸的部分我們對他們採用的所謂的虛擬帳戶以及開戶的部分我們都有在做相關的措施在做好那講到這個虛擬帳戶我就要講說虛擬帳戶其實一天可以跟銀行申請數十萬筆的這個虛擬帳號"},{"start":120.568,"end":135.875,"text":"如果說一般的民眾他受騙了報案也許在第一時間可以將這個虛擬賬號給阻斷可能就是先凍結可是這個詐騙集團他也許他有幾十萬個或者是這個好幾萬個這個虛擬賬號那這樣子你們怎麼處理"},{"start":140.037,"end":154.132,"text":"我們現在對虛擬帳號因為我們也注意到了就是它是一個常常會作為利用不法的這個規定所以我們對這個要開設虛擬帳號我們其實也現在也沒那麼簡單所以我們會有一定的規定那細節我可以請銀行局局長跟您說明"},{"start":159.266,"end":175.357,"text":"第三方支付因為他常需要虛擬帳號那其實第三方支付數位部這邊也有一些洗錢防制的規範所以第一個他要去跟數法部那邊先做量能登記如果他沒有做量能登錄的時候他再跟銀行開戶的時候銀行會拒絕他開戶"},{"start":179.079,"end":203.578,"text":"那針對已經是銀行客戶的時候銀行他也會去看說他有沒有跟速發部做量能登錄如果他沒有跟速發部做量能登錄的話這個虛擬帳號的服務銀行會停止好 那我想問一下就是說從你們這樣子的一個作為之後那這個詐騙的數量你們自己有去統計嗎就是透過這個第三方支付或是虛擬帳號這個被詐騙的"},{"start":207.48,"end":225.833,"text":"這個數量有減少嗎?好像也沒有欸報委員因為整個第三方支付如果他的主管機關是速發部那我們是覺得因為透過這樣子的虛擬帳號的管理的時候其實是可以適度的降低啦"},{"start":227.05,"end":247.195,"text":"所以你們覺得說是有效的降低這個詐騙可是真的我希望說主委針對這部分可能需要再跟也許你們跟訴發部這邊也要有一些溝通就是說我們主委這邊我們可能需要"},{"start":248.115,"end":274.061,"text":"有效的去監管那也需要速發部這邊來協助另外我看到就是說其實在這幾年當中尤其警政署也有特別統計就是說在六都之外詐騙發生數最高的縣市依序是彰化縣跟雲林縣在這幾年當中就是說有一些長輩他可能連自己的退休金全部都投下去"},{"start":276.162,"end":292.659,"text":"這個投資詐騙也好或者是虛擬帳號的這樣子一個就被轉出去了甚至我在最近聽到一個老師他把他所有畢生的積蓄、退休金全部都投資在這個投資就是網路投資的這個網路"},{"start":294.02,"end":317.347,"text":"當中然後就一下子個好幾百萬就轉出去了所以我是希望就是說金管會針對這個第三方支付虛擬帳號這部分我覺得應該要再更加的嚴格那另外我覺得說金管會不論是跟速發部也好或者是跟這個警政單位我覺得應該大家都可以有一些配合啦因為真的我們看到"},{"start":318.527,"end":339.238,"text":"詐騙真的是無所不在而且真的是這個手段真的是越來越新我上一次在那個內政委員會就有特別提到用名人來在網路上面就是投資投資詐騙的這個手段讓一般的民眾會覺得說這個名人也許就是張忠謀也許是謝金河"},{"start":340.178,"end":358.845,"text":"所以這樣子我覺得說金管會在這個第三方支付或者是虛擬賬號我覺得如果說可以再嚴格一點的話也許可以阻斷源頭是是我們會來努力就是因為這這個一項就是我們在在做主柵工作上的重點對我們會來那個委員的指證我們會來請請同仁繼續努力好謝謝"}]}}}}