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617.135, \"end\": 617.236, \"score\": 0.794}, {\"word\": \"先\", \"start\": 617.236, \"end\": 617.336, \"score\": 0.8}, {\"word\": \"請\"}, {\"word\": \"我\", \"start\": 617.336, \"end\": 617.376, \"score\": 0.077}, {\"word\": \"們\"}, {\"word\": \"央\", \"start\": 617.376, \"end\": 617.396, \"score\": 0.0}, {\"word\": \"行\", \"start\": 617.396, \"end\": 617.576, \"score\": 0.889}, {\"word\": \"的\", \"start\": 617.576, \"end\": 617.596, \"score\": 0.0}], \"language\": \"zh\"}","srt":"1\n00:00:00,609 --> 00:00:08,234\n2005年我們的卡債風波其實那時候的債權高達7900萬那7900萬那我們看到了就是說在2005年這個債權就是當時銀行的債權就高達7900億了7900億那新型態的一個債權其實我們知道是來自於融資公司光是五大租賃公司的中古車的業務的一個規模來看\n\n2\n00:00:30,249 --> 00:00:57,449\n我們都擔心說在下一波最大的消費者債務風暴可能會是來自於這個融資公司那我們單單以一個社工他在講他說窮出不窮的那個層出不窮的一個貸款代辦的一個詐騙業務他這一個新型態的那個債務已經年輕化了新型態的債務我們就是統稱就是大概是租賃\n\n3\n00:01:00,251 --> 00:01:21,357\n我們看很多年輕人他們其實負債的原因竟然是詐騙他們為什麼需要去借錢竟然是因為事業資金的一個需求然後第二項竟然是詐騙可見這個詐騙其實也是目前我們一直要去考慮到它的\n\n4\n00:01:21,937 --> 00:01:40,073\n那我們再來講最近就是我們的ATM每日的提款的一個額度這個額度就是說我們知道那個國泰世華他在去年的12月14號他已經調降金融的那個提款每天的提款從20萬把它調到15萬甚至就是說兆豐的數位帳戶\n\n5\n00:01:46,398 --> 00:01:51,060\n在這裡請教主委銀行是基於什麼樣的理由來調降每日提款的額度?你的看法是怎麼樣?\n\n6\n00:02:02,103 --> 00:02:25,813\n我想今天待會銀行局局長這邊還有我們兆豐的董事長也在這邊我先就今晚會這邊因為其實上因為當然很多的因素我們推測是因為當然各家銀行基於自己的風險管控還有最近詐騙很多他們會根據他的銀行的屬性客戶的屬性跟提款的金額做分析自己決定這個金額的限制\n\n7\n00:02:26,733 --> 00:02:42,285\n我想這個也是因為我們整個的剛剛講所謂的保護民眾的財產安全當然這會造成一些不便我們銀行自己要承受一些客戶的怨言可是主委這個就是跟上一次我們一起討論的就是那個取消自然人憑證\n\n8\n00:02:43,686 --> 00:03:10,788\n都可以完全去風險化的經營你看這個在美國在其他的國家他們已經是利用ATM就是說智慧性的一個半零貴的一個服務大眾了難道其他的國家沒有詐騙的這些問題嗎其實這個全世界都非常嚴重當然啊可是人家也勇於就是說我敢就是讓我的ATM服務服務就是這一些提款人然後又可以防堵詐騙\n\n9\n00:03:11,969 --> 00:03:34,261\n所以其實我們市場上也不是所有的銀行都這麼做因為我們其實有時候可是你已經你的銀行陸續陸續在調整喔對就是因為有時候是從20萬調整到15萬就是一直下降確實這裡是我們會關切喔就如果說已經影響到民眾的基本權利當然在很多狀況不是很清楚的情況銀行會先做一個預印然後再看看\n\n10\n00:03:34,701 --> 00:04:02,314\n主委我想你應該想一些比較就是比較精準的方式比較智慧性的一個方式來服務大家而不是用黃賭的方式理解我可以請銀行局長跟您簡單的回覆一下嗎沒關係我們事後再來討論那接著跟主委探討一下年增的一個次數的限制到底這個年增次數的限制有沒有符合金融自由市場\n\n11\n00:04:03,374 --> 00:04:24,133\n的一個需求我們常常就看到了銀行法規的一個規定就是說在三個月中你如果申請那個三次的話就不能貸款這到底年增中心講的是不是這是真的嗎各位我抱歉這個我確實沒有那麼清楚我請銀行局長跟您解釋謝謝\n\n12\n00:04:27,752 --> 00:04:41,198\n這個應該是銀行從他的獸性食物來看就是說當一個人他頻繁的去查被查詢連徵那可能是他在資金的需求上會有比較急迫的一個情況不過這個並不能夠作為說銀行巨大的一個理由\n\n13\n00:04:42,321 --> 00:05:06,433\n所以當銀行是不能這樣做的如果說我同就是在這個幾個月內我又要信用卡開戶那我又要到銀行就是帳戶我的證件開戶的話那我辦信用卡我可能就是會在短時間我可能會有連續幾次那就是說會用到這個年增的一個次數所以這樣子顯然如果像局長你這樣子講的話這顯然是詐騙\n\n14\n00:05:08,854 --> 00:05:23,591\n集團的一個術語而不是就是我們銀行的一個堅持如果你這樣看的話是同意委員的一個看法所以這個是那個貸款那個貸片那個貸棒的一個話術\n\n15\n00:05:26,229 --> 00:05:42,199\n你的看法啦對這個在銀行的那個評分系統裡面他或許會有些銀行他會把他納為一個評估的因素但年增次數查詢多次這個絕對不會是銀行作為借貸的一個條件那是銀行的一個內規嗎銀行管理上的一個內規就是\n\n16\n00:05:44,120 --> 00:06:06,290\n對銀行回歸到他的那個風險系統裡面他對每一個風險因子他都會有不同的權術那這個部分當然是回歸到所以你看啊就被這些那個貸款那個貸辦的就是把它用來做一個他們等於是詐騙的一個手法那這個部分根本也沒有報告我們禁止銀行接受貸辦禁建\n\n17\n00:06:08,753 --> 00:06:23,008\n當然啊當然我們是一定是禁止啊可是問題是你這個禁止好像也禁不了啊你看還是窮窮不窮啊我們會從日常監理跟金融檢查這兩個管道嚴格的去杜絕銀行的進建是從代辦公室進來的\n\n18\n00:06:24,107 --> 00:06:40,546\n是沒有錯可是你一直黃賭他他還是一樣我們用113年9月到12月的詐騙案件的前十大被害這個被害的一個方式我們看到了喔這個113年的案子喔你看喔男生被害的齁\n\n19\n00:06:41,287 --> 00:06:57,843\n還有就是排序就是謊稱是代辦貸款這個第六名那米信貸款代辦被騙錢的是第八名這個普遍還是存在的那顯然就是說我們這些防堵的效果就不明確\n\n20\n00:06:59,521 --> 00:07:15,748\n跟委員報告這個部分我們會從兩個面向來著手第一個部分我們會持續的要求銀行是絕對不能夠接受任何一件代辦進來的案件那另外一個部分委員剛才有提到這樣子一個現象我們會加強在金融宣導的部分會加強的宣導\n\n21\n00:07:16,997 --> 00:07:44,271\n會加強先導我就覺得說這個如果在我們金管會一直在強調普惠金融這個實在是有一點這個諷刺你看我們在警政署在4月2號今年的4月2號詐騙的統計當中他去年的下半年的前十大詐騙方式他這個貸款的那個代辦他還是榜上有名\n\n22\n00:07:45,171 --> 00:08:04,988\n那可見就是說我們這幾年我們這些普惠金融我們這些黃賭顯然是沒有效尤其是那個金管會他大概是在每年的過年你就會有一次的一個宣導那就是提醒大家不要被騙可是你們一直就是做了這些事情的時候\n\n23\n00:08:07,150 --> 00:08:26,083\n可是還是很多人被騙那感謝委員的提醒我想這個詐騙我們深惡痛絕那方法我們不能昭示用老所以我們當然就是說我們會來這個委員的提醒我們也會跟銀行來想想看除了我們過去宣導加強查核以外有沒有更積極的作為\n\n24\n00:08:27,344 --> 00:08:49,739\n因為這是一個老問題但是我們想新方法來解決我們來我們來加強謝委員的提醒好主委那我們用新方法在去年的七月我們已經通過了詐欺犯罪危害防治條例那這個防治條例如果金管會跟蘇阿部共同研擬加強防治就是查記那個貸款的貸辦的一個詐騙這個有沒有效\n\n25\n00:08:53,001 --> 00:09:06,958\n那如果有效的話你是不是我想有效沒有效這個是一定要研究的你說我們假設他是透過廣告的部分的話我們來真的這部分我們本來就有一個有系統的偵測詐騙廣告的查緝的這個作為\n\n26\n00:09:09,781 --> 00:09:36,060\n那我們也可以把這個列為未來相關的比如說關鍵字啊這些東西我們先從救援在廣告上面就來處理也是一條路但是我們就會跟這個相關的我們單位在演繹假如這個問題我們想想看有什麼更好的方法來處理這問題不過委員剛剛提起來這還是很多就是說當然就像我們過去在做打炸的時候是這個不打更炸所以我們希望說但是招式一定要一定要\n\n27\n00:09:37,733 --> 00:10:04,389\n與時俱進啦我們的方法要來改變以時俱進嘛所以就是說我現在就是請教主委嘛如果這樣子的話這個金保法的一個那個就是也是有把這個我們的金融那個就是代辦那個貸款代辦的一個業務納入金融服務業那是不是就是說我想也是在一個月內提供一個書面的報告所以這邊我們會來\n\n28\n00:10:06,930 --> 00:10:17,596\n會來按照這個報告提出不過我們認為說這個東西要納入的話也是要多方評估我們再把這個意見再跟委員報告好謝謝謝謝主席謝謝賴昭偉我們現在會請李燕秀委員質詢我們要報告委員會我們在等下一位宗嘉斌委員質詢結束之後我們休息十分鐘好謝謝昭偉我是不是可以先請我們央行的\n\n","tsv":"start\tend\ttext\n609\t8234\t2005年我們的卡債風波其實那時候的債權高達7900萬那7900萬那我們看到了就是說在2005年這個債權就是當時銀行的債權就高達7900億了7900億那新型態的一個債權其實我們知道是來自於融資公司光是五大租賃公司的中古車的業務的一個規模來看\n30249\t57449\t我們都擔心說在下一波最大的消費者債務風暴可能會是來自於這個融資公司那我們單單以一個社工他在講他說窮出不窮的那個層出不窮的一個貸款代辦的一個詐騙業務他這一個新型態的那個債務已經年輕化了新型態的債務我們就是統稱就是大概是租賃\n60251\t81357\t我們看很多年輕人他們其實負債的原因竟然是詐騙他們為什麼需要去借錢竟然是因為事業資金的一個需求然後第二項竟然是詐騙可見這個詐騙其實也是目前我們一直要去考慮到它的\n81937\t100073\t那我們再來講最近就是我們的ATM每日的提款的一個額度這個額度就是說我們知道那個國泰世華他在去年的12月14號他已經調降金融的那個提款每天的提款從20萬把它調到15萬甚至就是說兆豐的數位帳戶\n106398\t111060\t在這裡請教主委銀行是基於什麼樣的理由來調降每日提款的額度?你的看法是怎麼樣?\n122103\t145813\t我想今天待會銀行局局長這邊還有我們兆豐的董事長也在這邊我先就今晚會這邊因為其實上因為當然很多的因素我們推測是因為當然各家銀行基於自己的風險管控還有最近詐騙很多他們會根據他的銀行的屬性客戶的屬性跟提款的金額做分析自己決定這個金額的限制\n146733\t162285\t我想這個也是因為我們整個的剛剛講所謂的保護民眾的財產安全當然這會造成一些不便我們銀行自己要承受一些客戶的怨言可是主委這個就是跟上一次我們一起討論的就是那個取消自然人憑證\n163686\t190788\t都可以完全去風險化的經營你看這個在美國在其他的國家他們已經是利用ATM就是說智慧性的一個半零貴的一個服務大眾了難道其他的國家沒有詐騙的這些問題嗎其實這個全世界都非常嚴重當然啊可是人家也勇於就是說我敢就是讓我的ATM服務服務就是這一些提款人然後又可以防堵詐騙\n191969\t214261\t所以其實我們市場上也不是所有的銀行都這麼做因為我們其實有時候可是你已經你的銀行陸續陸續在調整喔對就是因為有時候是從20萬調整到15萬就是一直下降確實這裡是我們會關切喔就如果說已經影響到民眾的基本權利當然在很多狀況不是很清楚的情況銀行會先做一個預印然後再看看\n214701\t242314\t主委我想你應該想一些比較就是比較精準的方式比較智慧性的一個方式來服務大家而不是用黃賭的方式理解我可以請銀行局長跟您簡單的回覆一下嗎沒關係我們事後再來討論那接著跟主委探討一下年增的一個次數的限制到底這個年增次數的限制有沒有符合金融自由市場\n243374\t264133\t的一個需求我們常常就看到了銀行法規的一個規定就是說在三個月中你如果申請那個三次的話就不能貸款這到底年增中心講的是不是這是真的嗎各位我抱歉這個我確實沒有那麼清楚我請銀行局長跟您解釋謝謝\n267752\t281198\t這個應該是銀行從他的獸性食物來看就是說當一個人他頻繁的去查被查詢連徵那可能是他在資金的需求上會有比較急迫的一個情況不過這個並不能夠作為說銀行巨大的一個理由\n282321\t306433\t所以當銀行是不能這樣做的如果說我同就是在這個幾個月內我又要信用卡開戶那我又要到銀行就是帳戶我的證件開戶的話那我辦信用卡我可能就是會在短時間我可能會有連續幾次那就是說會用到這個年增的一個次數所以這樣子顯然如果像局長你這樣子講的話這顯然是詐騙\n308854\t323591\t集團的一個術語而不是就是我們銀行的一個堅持如果你這樣看的話是同意委員的一個看法所以這個是那個貸款那個貸片那個貸棒的一個話術\n326229\t342199\t你的看法啦對這個在銀行的那個評分系統裡面他或許會有些銀行他會把他納為一個評估的因素但年增次數查詢多次這個絕對不會是銀行作為借貸的一個條件那是銀行的一個內規嗎銀行管理上的一個內規就是\n344120\t366290\t對 銀行回歸到他的那個風險系統裡面他對每一個風險因子他都會有不同的權術那這個部分當然是回歸到所以你看啊就被這些那個貸款那個貸辦的就是把它用來做一個他們等於是詐騙的一個手法那這個部分根本也沒有報告我們禁止銀行接受貸辦禁建\n368753\t383008\t當然啊 當然我們是一定是禁止啊可是問題是你這個禁止好像也禁不了啊你看還是窮窮不窮啊我們會從日常監理跟金融檢查這兩個管道嚴格的去杜絕銀行的進建是從代辦公室進來的\n384107\t400546\t是 沒有錯 可是你一直黃賭他 他還是一樣我們用113年9月到12月的詐騙案件的前十大被害這個被害的一個方式 我們看到了喔這個113年的案子喔 你看喔 男生被害的齁\n401287\t417843\t還有就是排序就是謊稱是代辦貸款這個第六名那米信貸款代辦被騙錢的是第八名這個普遍還是存在的那顯然就是說我們這些防堵的效果就不明確\n419521\t435748\t跟委員報告這個部分我們會從兩個面向來著手第一個部分我們會持續的要求銀行是絕對不能夠接受任何一件代辦進來的案件那另外一個部分委員剛才有提到這樣子一個現象我們會加強在金融宣導的部分會加強的宣導\n436997\t464271\t會加強先導我就覺得說這個如果在我們金管會一直在強調普惠金融這個實在是有一點這個諷刺你看我們在警政署在4月2號今年的4月2號詐騙的統計當中他去年的下半年的前十大詐騙方式他這個貸款的那個代辦他還是榜上有名\n465171\t484988\t那可見就是說我們這幾年我們這些普惠金融我們這些黃賭顯然是沒有效尤其是那個金管會他大概是在每年的過年你就會有一次的一個宣導那就是提醒大家不要被騙可是你們一直就是做了這些事情的時候\n487150\t506083\t可是還是很多人被騙那感謝委員的提醒我想這個詐騙我們深惡痛絕那方法我們不能昭示用老所以我們當然就是說我們會來這個委員的提醒我們也會跟銀行來想想看除了我們過去宣導加強查核以外有沒有更積極的作為\n507344\t529739\t因為這是一個老問題但是我們想新方法來解決我們來我們來加強謝委員的提醒好主委那我們用新方法在去年的七月我們已經通過了詐欺犯罪危害防治條例那這個防治條例如果金管會跟蘇阿部共同研擬加強防治就是查記那個貸款的貸辦的一個詐騙這個有沒有效\n533001\t546958\t那如果有效的話你是不是我想有效沒有效這個是一定要研究的你說我們假設他是透過廣告的部分的話我們來真的這部分我們本來就有一個有系統的偵測詐騙廣告的查緝的這個作為\n549781\t576060\t那我們也可以把這個列為未來相關的比如說關鍵字啊這些東西我們先從救援在廣告上面就來處理也是一條路但是我們就會跟這個相關的我們單位在演繹假如這個問題我們想想看有什麼更好的方法來處理這問題不過委員剛剛提起來這還是很多就是說當然就像我們過去在做打炸的時候是這個不打更炸所以我們希望說但是招式一定要一定要\n577733\t604389\t與時俱進啦我們的方法要來改變以時俱進嘛所以就是說我現在就是請教主委嘛如果這樣子的話這個金保法的一個那個就是也是有把這個我們的金融那個就是代辦那個貸款代辦的一個業務納入金融服務業那是不是就是說我想也是在一個月內提供一個書面的報告所以這邊我們會來\n606930\t617596\t會來按照這個報告提出不過我們認為說這個東西要納入的話也是要多方評估我們再把這個意見再跟委員報告好 謝謝謝謝主席謝謝賴昭偉我們現在會請李燕秀委員質詢我們要報告委員會我們在等下一位宗嘉斌委員質詢結束之後我們休息十分鐘好 謝謝昭偉我是不是可以先請我們央行的\n","txt":"2005年我們的卡債風波其實那時候的債權高達7900萬那7900萬那我們看到了就是說在2005年這個債權就是當時銀行的債權就高達7900億了7900億那新型態的一個債權其實我們知道是來自於融資公司光是五大租賃公司的中古車的業務的一個規模來看\n我們都擔心說在下一波最大的消費者債務風暴可能會是來自於這個融資公司那我們單單以一個社工他在講他說窮出不窮的那個層出不窮的一個貸款代辦的一個詐騙業務他這一個新型態的那個債務已經年輕化了新型態的債務我們就是統稱就是大概是租賃\n我們看很多年輕人他們其實負債的原因竟然是詐騙他們為什麼需要去借錢竟然是因為事業資金的一個需求然後第二項竟然是詐騙可見這個詐騙其實也是目前我們一直要去考慮到它的\n那我們再來講最近就是我們的ATM每日的提款的一個額度這個額度就是說我們知道那個國泰世華他在去年的12月14號他已經調降金融的那個提款每天的提款從20萬把它調到15萬甚至就是說兆豐的數位帳戶\n在這裡請教主委銀行是基於什麼樣的理由來調降每日提款的額度?你的看法是怎麼樣?\n我想今天待會銀行局局長這邊還有我們兆豐的董事長也在這邊我先就今晚會這邊因為其實上因為當然很多的因素我們推測是因為當然各家銀行基於自己的風險管控還有最近詐騙很多他們會根據他的銀行的屬性客戶的屬性跟提款的金額做分析自己決定這個金額的限制\n我想這個也是因為我們整個的剛剛講所謂的保護民眾的財產安全當然這會造成一些不便我們銀行自己要承受一些客戶的怨言可是主委這個就是跟上一次我們一起討論的就是那個取消自然人憑證\n都可以完全去風險化的經營你看這個在美國在其他的國家他們已經是利用ATM就是說智慧性的一個半零貴的一個服務大眾了難道其他的國家沒有詐騙的這些問題嗎其實這個全世界都非常嚴重當然啊可是人家也勇於就是說我敢就是讓我的ATM服務服務就是這一些提款人然後又可以防堵詐騙\n所以其實我們市場上也不是所有的銀行都這麼做因為我們其實有時候可是你已經你的銀行陸續陸續在調整喔對就是因為有時候是從20萬調整到15萬就是一直下降確實這裡是我們會關切喔就如果說已經影響到民眾的基本權利當然在很多狀況不是很清楚的情況銀行會先做一個預印然後再看看\n主委我想你應該想一些比較就是比較精準的方式比較智慧性的一個方式來服務大家而不是用黃賭的方式理解我可以請銀行局長跟您簡單的回覆一下嗎沒關係我們事後再來討論那接著跟主委探討一下年增的一個次數的限制到底這個年增次數的限制有沒有符合金融自由市場\n的一個需求我們常常就看到了銀行法規的一個規定就是說在三個月中你如果申請那個三次的話就不能貸款這到底年增中心講的是不是這是真的嗎各位我抱歉這個我確實沒有那麼清楚我請銀行局長跟您解釋謝謝\n這個應該是銀行從他的獸性食物來看就是說當一個人他頻繁的去查被查詢連徵那可能是他在資金的需求上會有比較急迫的一個情況不過這個並不能夠作為說銀行巨大的一個理由\n所以當銀行是不能這樣做的如果說我同就是在這個幾個月內我又要信用卡開戶那我又要到銀行就是帳戶我的證件開戶的話那我辦信用卡我可能就是會在短時間我可能會有連續幾次那就是說會用到這個年增的一個次數所以這樣子顯然如果像局長你這樣子講的話這顯然是詐騙\n集團的一個術語而不是就是我們銀行的一個堅持如果你這樣看的話是同意委員的一個看法所以這個是那個貸款那個貸片那個貸棒的一個話術\n你的看法啦對這個在銀行的那個評分系統裡面他或許會有些銀行他會把他納為一個評估的因素但年增次數查詢多次這個絕對不會是銀行作為借貸的一個條件那是銀行的一個內規嗎銀行管理上的一個內規就是\n對 銀行回歸到他的那個風險系統裡面他對每一個風險因子他都會有不同的權術那這個部分當然是回歸到所以你看啊就被這些那個貸款那個貸辦的就是把它用來做一個他們等於是詐騙的一個手法那這個部分根本也沒有報告我們禁止銀行接受貸辦禁建\n當然啊 當然我們是一定是禁止啊可是問題是你這個禁止好像也禁不了啊你看還是窮窮不窮啊我們會從日常監理跟金融檢查這兩個管道嚴格的去杜絕銀行的進建是從代辦公室進來的\n是 沒有錯 可是你一直黃賭他 他還是一樣我們用113年9月到12月的詐騙案件的前十大被害這個被害的一個方式 我們看到了喔這個113年的案子喔 你看喔 男生被害的齁\n還有就是排序就是謊稱是代辦貸款這個第六名那米信貸款代辦被騙錢的是第八名這個普遍還是存在的那顯然就是說我們這些防堵的效果就不明確\n跟委員報告這個部分我們會從兩個面向來著手第一個部分我們會持續的要求銀行是絕對不能夠接受任何一件代辦進來的案件那另外一個部分委員剛才有提到這樣子一個現象我們會加強在金融宣導的部分會加強的宣導\n會加強先導我就覺得說這個如果在我們金管會一直在強調普惠金融這個實在是有一點這個諷刺你看我們在警政署在4月2號今年的4月2號詐騙的統計當中他去年的下半年的前十大詐騙方式他這個貸款的那個代辦他還是榜上有名\n那可見就是說我們這幾年我們這些普惠金融我們這些黃賭顯然是沒有效尤其是那個金管會他大概是在每年的過年你就會有一次的一個宣導那就是提醒大家不要被騙可是你們一直就是做了這些事情的時候\n可是還是很多人被騙那感謝委員的提醒我想這個詐騙我們深惡痛絕那方法我們不能昭示用老所以我們當然就是說我們會來這個委員的提醒我們也會跟銀行來想想看除了我們過去宣導加強查核以外有沒有更積極的作為\n因為這是一個老問題但是我們想新方法來解決我們來我們來加強謝委員的提醒好主委那我們用新方法在去年的七月我們已經通過了詐欺犯罪危害防治條例那這個防治條例如果金管會跟蘇阿部共同研擬加強防治就是查記那個貸款的貸辦的一個詐騙這個有沒有效\n那如果有效的話你是不是我想有效沒有效這個是一定要研究的你說我們假設他是透過廣告的部分的話我們來真的這部分我們本來就有一個有系統的偵測詐騙廣告的查緝的這個作為\n那我們也可以把這個列為未來相關的比如說關鍵字啊這些東西我們先從救援在廣告上面就來處理也是一條路但是我們就會跟這個相關的我們單位在演繹假如這個問題我們想想看有什麼更好的方法來處理這問題不過委員剛剛提起來這還是很多就是說當然就像我們過去在做打炸的時候是這個不打更炸所以我們希望說但是招式一定要一定要\n與時俱進啦我們的方法要來改變以時俱進嘛所以就是說我現在就是請教主委嘛如果這樣子的話這個金保法的一個那個就是也是有把這個我們的金融那個就是代辦那個貸款代辦的一個業務納入金融服務業那是不是就是說我想也是在一個月內提供一個書面的報告所以這邊我們會來\n會來按照這個報告提出不過我們認為說這個東西要納入的話也是要多方評估我們再把這個意見再跟委員報告好 謝謝謝謝主席謝謝賴昭偉我們現在會請李燕秀委員質詢我們要報告委員會我們在等下一位宗嘉斌委員質詢結束之後我們休息十分鐘好 謝謝昭偉我是不是可以先請我們央行的\n","vtt":"WEBVTT\n\n00:00.609 --> 00:08.234\n2005年我們的卡債風波其實那時候的債權高達7900萬那7900萬那我們看到了就是說在2005年這個債權就是當時銀行的債權就高達7900億了7900億那新型態的一個債權其實我們知道是來自於融資公司光是五大租賃公司的中古車的業務的一個規模來看\n\n00:30.249 --> 00:57.449\n我們都擔心說在下一波最大的消費者債務風暴可能會是來自於這個融資公司那我們單單以一個社工他在講他說窮出不窮的那個層出不窮的一個貸款代辦的一個詐騙業務他這一個新型態的那個債務已經年輕化了新型態的債務我們就是統稱就是大概是租賃\n\n01:00.251 --> 01:21.357\n我們看很多年輕人他們其實負債的原因竟然是詐騙他們為什麼需要去借錢竟然是因為事業資金的一個需求然後第二項竟然是詐騙可見這個詐騙其實也是目前我們一直要去考慮到它的\n\n01:21.937 --> 01:40.073\n那我們再來講最近就是我們的ATM每日的提款的一個額度這個額度就是說我們知道那個國泰世華他在去年的12月14號他已經調降金融的那個提款每天的提款從20萬把它調到15萬甚至就是說兆豐的數位帳戶\n\n01:46.398 --> 01:51.060\n在這裡請教主委銀行是基於什麼樣的理由來調降每日提款的額度?你的看法是怎麼樣?\n\n02:02.103 --> 02:25.813\n我想今天待會銀行局局長這邊還有我們兆豐的董事長也在這邊我先就今晚會這邊因為其實上因為當然很多的因素我們推測是因為當然各家銀行基於自己的風險管控還有最近詐騙很多他們會根據他的銀行的屬性客戶的屬性跟提款的金額做分析自己決定這個金額的限制\n\n02:26.733 --> 02:42.285\n我想這個也是因為我們整個的剛剛講所謂的保護民眾的財產安全當然這會造成一些不便我們銀行自己要承受一些客戶的怨言可是主委這個就是跟上一次我們一起討論的就是那個取消自然人憑證\n\n02:43.686 --> 03:10.788\n都可以完全去風險化的經營你看這個在美國在其他的國家他們已經是利用ATM就是說智慧性的一個半零貴的一個服務大眾了難道其他的國家沒有詐騙的這些問題嗎其實這個全世界都非常嚴重當然啊可是人家也勇於就是說我敢就是讓我的ATM服務服務就是這一些提款人然後又可以防堵詐騙\n\n03:11.969 --> 03:34.261\n所以其實我們市場上也不是所有的銀行都這麼做因為我們其實有時候可是你已經你的銀行陸續陸續在調整喔對就是因為有時候是從20萬調整到15萬就是一直下降確實這裡是我們會關切喔就如果說已經影響到民眾的基本權利當然在很多狀況不是很清楚的情況銀行會先做一個預印然後再看看\n\n03:34.701 --> 04:02.314\n主委我想你應該想一些比較就是比較精準的方式比較智慧性的一個方式來服務大家而不是用黃賭的方式理解我可以請銀行局長跟您簡單的回覆一下嗎沒關係我們事後再來討論那接著跟主委探討一下年增的一個次數的限制到底這個年增次數的限制有沒有符合金融自由市場\n\n04:03.374 --> 04:24.133\n的一個需求我們常常就看到了銀行法規的一個規定就是說在三個月中你如果申請那個三次的話就不能貸款這到底年增中心講的是不是這是真的嗎各位我抱歉這個我確實沒有那麼清楚我請銀行局長跟您解釋謝謝\n\n04:27.752 --> 04:41.198\n這個應該是銀行從他的獸性食物來看就是說當一個人他頻繁的去查被查詢連徵那可能是他在資金的需求上會有比較急迫的一個情況不過這個並不能夠作為說銀行巨大的一個理由\n\n04:42.321 --> 05:06.433\n所以當銀行是不能這樣做的如果說我同就是在這個幾個月內我又要信用卡開戶那我又要到銀行就是帳戶我的證件開戶的話那我辦信用卡我可能就是會在短時間我可能會有連續幾次那就是說會用到這個年增的一個次數所以這樣子顯然如果像局長你這樣子講的話這顯然是詐騙\n\n05:08.854 --> 05:23.591\n集團的一個術語而不是就是我們銀行的一個堅持如果你這樣看的話是同意委員的一個看法所以這個是那個貸款那個貸片那個貸棒的一個話術\n\n05:26.229 --> 05:42.199\n你的看法啦對這個在銀行的那個評分系統裡面他或許會有些銀行他會把他納為一個評估的因素但年增次數查詢多次這個絕對不會是銀行作為借貸的一個條件那是銀行的一個內規嗎銀行管理上的一個內規就是\n\n05:44.120 --> 06:06.290\n對銀行回歸到他的那個風險系統裡面他對每一個風險因子他都會有不同的權術那這個部分當然是回歸到所以你看啊就被這些那個貸款那個貸辦的就是把它用來做一個他們等於是詐騙的一個手法那這個部分根本也沒有報告我們禁止銀行接受貸辦禁建\n\n06:08.753 --> 06:23.008\n當然啊當然我們是一定是禁止啊可是問題是你這個禁止好像也禁不了啊你看還是窮窮不窮啊我們會從日常監理跟金融檢查這兩個管道嚴格的去杜絕銀行的進建是從代辦公室進來的\n\n06:24.107 --> 06:40.546\n是沒有錯可是你一直黃賭他他還是一樣我們用113年9月到12月的詐騙案件的前十大被害這個被害的一個方式我們看到了喔這個113年的案子喔你看喔男生被害的齁\n\n06:41.287 --> 06:57.843\n還有就是排序就是謊稱是代辦貸款這個第六名那米信貸款代辦被騙錢的是第八名這個普遍還是存在的那顯然就是說我們這些防堵的效果就不明確\n\n06:59.521 --> 07:15.748\n跟委員報告這個部分我們會從兩個面向來著手第一個部分我們會持續的要求銀行是絕對不能夠接受任何一件代辦進來的案件那另外一個部分委員剛才有提到這樣子一個現象我們會加強在金融宣導的部分會加強的宣導\n\n07:16.997 --> 07:44.271\n會加強先導我就覺得說這個如果在我們金管會一直在強調普惠金融這個實在是有一點這個諷刺你看我們在警政署在4月2號今年的4月2號詐騙的統計當中他去年的下半年的前十大詐騙方式他這個貸款的那個代辦他還是榜上有名\n\n07:45.171 --> 08:04.988\n那可見就是說我們這幾年我們這些普惠金融我們這些黃賭顯然是沒有效尤其是那個金管會他大概是在每年的過年你就會有一次的一個宣導那就是提醒大家不要被騙可是你們一直就是做了這些事情的時候\n\n08:07.150 --> 08:26.083\n可是還是很多人被騙那感謝委員的提醒我想這個詐騙我們深惡痛絕那方法我們不能昭示用老所以我們當然就是說我們會來這個委員的提醒我們也會跟銀行來想想看除了我們過去宣導加強查核以外有沒有更積極的作為\n\n08:27.344 --> 08:49.739\n因為這是一個老問題但是我們想新方法來解決我們來我們來加強謝委員的提醒好主委那我們用新方法在去年的七月我們已經通過了詐欺犯罪危害防治條例那這個防治條例如果金管會跟蘇阿部共同研擬加強防治就是查記那個貸款的貸辦的一個詐騙這個有沒有效\n\n08:53.001 --> 09:06.958\n那如果有效的話你是不是我想有效沒有效這個是一定要研究的你說我們假設他是透過廣告的部分的話我們來真的這部分我們本來就有一個有系統的偵測詐騙廣告的查緝的這個作為\n\n09:09.781 --> 09:36.060\n那我們也可以把這個列為未來相關的比如說關鍵字啊這些東西我們先從救援在廣告上面就來處理也是一條路但是我們就會跟這個相關的我們單位在演繹假如這個問題我們想想看有什麼更好的方法來處理這問題不過委員剛剛提起來這還是很多就是說當然就像我們過去在做打炸的時候是這個不打更炸所以我們希望說但是招式一定要一定要\n\n09:37.733 --> 10:04.389\n與時俱進啦我們的方法要來改變以時俱進嘛所以就是說我現在就是請教主委嘛如果這樣子的話這個金保法的一個那個就是也是有把這個我們的金融那個就是代辦那個貸款代辦的一個業務納入金融服務業那是不是就是說我想也是在一個月內提供一個書面的報告所以這邊我們會來\n\n10:06.930 --> 10:17.596\n會來按照這個報告提出不過我們認為說這個東西要納入的話也是要多方評估我們再把這個意見再跟委員報告好謝謝謝謝主席謝謝賴昭偉我們現在會請李燕秀委員質詢我們要報告委員會我們在等下一位宗嘉斌委員質詢結束之後我們休息十分鐘好謝謝昭偉我是不是可以先請我們央行的\n\n","segments":[{"start":0.609,"end":8.234,"text":"2005年我們的卡債風波其實那時候的債權高達7900萬那7900萬那我們看到了就是說在2005年這個債權就是當時銀行的債權就高達7900億了7900億那新型態的一個債權其實我們知道是來自於融資公司光是五大租賃公司的中古車的業務的一個規模來看"},{"start":30.249,"end":57.449,"text":"我們都擔心說在下一波最大的消費者債務風暴可能會是來自於這個融資公司那我們單單以一個社工他在講他說窮出不窮的那個層出不窮的一個貸款代辦的一個詐騙業務他這一個新型態的那個債務已經年輕化了新型態的債務我們就是統稱就是大概是租賃"},{"start":60.251,"end":81.357,"text":"我們看很多年輕人他們其實負債的原因竟然是詐騙他們為什麼需要去借錢竟然是因為事業資金的一個需求然後第二項竟然是詐騙可見這個詐騙其實也是目前我們一直要去考慮到它的"},{"start":81.937,"end":100.073,"text":"那我們再來講最近就是我們的ATM每日的提款的一個額度這個額度就是說我們知道那個國泰世華他在去年的12月14號他已經調降金融的那個提款每天的提款從20萬把它調到15萬甚至就是說兆豐的數位帳戶"},{"start":106.398,"end":111.06,"text":"在這裡請教主委銀行是基於什麼樣的理由來調降每日提款的額度?你的看法是怎麼樣?"},{"start":122.103,"end":145.813,"text":"我想今天待會銀行局局長這邊還有我們兆豐的董事長也在這邊我先就今晚會這邊因為其實上因為當然很多的因素我們推測是因為當然各家銀行基於自己的風險管控還有最近詐騙很多他們會根據他的銀行的屬性客戶的屬性跟提款的金額做分析自己決定這個金額的限制"},{"start":146.733,"end":162.285,"text":"我想這個也是因為我們整個的剛剛講所謂的保護民眾的財產安全當然這會造成一些不便我們銀行自己要承受一些客戶的怨言可是主委這個就是跟上一次我們一起討論的就是那個取消自然人憑證"},{"start":163.686,"end":190.788,"text":"都可以完全去風險化的經營你看這個在美國在其他的國家他們已經是利用ATM就是說智慧性的一個半零貴的一個服務大眾了難道其他的國家沒有詐騙的這些問題嗎其實這個全世界都非常嚴重當然啊可是人家也勇於就是說我敢就是讓我的ATM服務服務就是這一些提款人然後又可以防堵詐騙"},{"start":191.969,"end":214.261,"text":"所以其實我們市場上也不是所有的銀行都這麼做因為我們其實有時候可是你已經你的銀行陸續陸續在調整喔對就是因為有時候是從20萬調整到15萬就是一直下降確實這裡是我們會關切喔就如果說已經影響到民眾的基本權利當然在很多狀況不是很清楚的情況銀行會先做一個預印然後再看看"},{"start":214.701,"end":242.314,"text":"主委我想你應該想一些比較就是比較精準的方式比較智慧性的一個方式來服務大家而不是用黃賭的方式理解我可以請銀行局長跟您簡單的回覆一下嗎沒關係我們事後再來討論那接著跟主委探討一下年增的一個次數的限制到底這個年增次數的限制有沒有符合金融自由市場"},{"start":243.374,"end":264.133,"text":"的一個需求我們常常就看到了銀行法規的一個規定就是說在三個月中你如果申請那個三次的話就不能貸款這到底年增中心講的是不是這是真的嗎各位我抱歉這個我確實沒有那麼清楚我請銀行局長跟您解釋謝謝"},{"start":267.752,"end":281.198,"text":"這個應該是銀行從他的獸性食物來看就是說當一個人他頻繁的去查被查詢連徵那可能是他在資金的需求上會有比較急迫的一個情況不過這個並不能夠作為說銀行巨大的一個理由"},{"start":282.321,"end":306.433,"text":"所以當銀行是不能這樣做的如果說我同就是在這個幾個月內我又要信用卡開戶那我又要到銀行就是帳戶我的證件開戶的話那我辦信用卡我可能就是會在短時間我可能會有連續幾次那就是說會用到這個年增的一個次數所以這樣子顯然如果像局長你這樣子講的話這顯然是詐騙"},{"start":308.854,"end":323.591,"text":"集團的一個術語而不是就是我們銀行的一個堅持如果你這樣看的話是同意委員的一個看法所以這個是那個貸款那個貸片那個貸棒的一個話術"},{"start":326.229,"end":342.199,"text":"你的看法啦對這個在銀行的那個評分系統裡面他或許會有些銀行他會把他納為一個評估的因素但年增次數查詢多次這個絕對不會是銀行作為借貸的一個條件那是銀行的一個內規嗎銀行管理上的一個內規就是"},{"start":344.12,"end":366.29,"text":"對 銀行回歸到他的那個風險系統裡面他對每一個風險因子他都會有不同的權術那這個部分當然是回歸到所以你看啊就被這些那個貸款那個貸辦的就是把它用來做一個他們等於是詐騙的一個手法那這個部分根本也沒有報告我們禁止銀行接受貸辦禁建"},{"start":368.753,"end":383.008,"text":"當然啊 當然我們是一定是禁止啊可是問題是你這個禁止好像也禁不了啊你看還是窮窮不窮啊我們會從日常監理跟金融檢查這兩個管道嚴格的去杜絕銀行的進建是從代辦公室進來的"},{"start":384.107,"end":400.546,"text":"是 沒有錯 可是你一直黃賭他 他還是一樣我們用113年9月到12月的詐騙案件的前十大被害這個被害的一個方式 我們看到了喔這個113年的案子喔 你看喔 男生被害的齁"},{"start":401.287,"end":417.843,"text":"還有就是排序就是謊稱是代辦貸款這個第六名那米信貸款代辦被騙錢的是第八名這個普遍還是存在的那顯然就是說我們這些防堵的效果就不明確"},{"start":419.521,"end":435.748,"text":"跟委員報告這個部分我們會從兩個面向來著手第一個部分我們會持續的要求銀行是絕對不能夠接受任何一件代辦進來的案件那另外一個部分委員剛才有提到這樣子一個現象我們會加強在金融宣導的部分會加強的宣導"},{"start":436.997,"end":464.271,"text":"會加強先導我就覺得說這個如果在我們金管會一直在強調普惠金融這個實在是有一點這個諷刺你看我們在警政署在4月2號今年的4月2號詐騙的統計當中他去年的下半年的前十大詐騙方式他這個貸款的那個代辦他還是榜上有名"},{"start":465.171,"end":484.988,"text":"那可見就是說我們這幾年我們這些普惠金融我們這些黃賭顯然是沒有效尤其是那個金管會他大概是在每年的過年你就會有一次的一個宣導那就是提醒大家不要被騙可是你們一直就是做了這些事情的時候"},{"start":487.15,"end":506.083,"text":"可是還是很多人被騙那感謝委員的提醒我想這個詐騙我們深惡痛絕那方法我們不能昭示用老所以我們當然就是說我們會來這個委員的提醒我們也會跟銀行來想想看除了我們過去宣導加強查核以外有沒有更積極的作為"},{"start":507.344,"end":529.739,"text":"因為這是一個老問題但是我們想新方法來解決我們來我們來加強謝委員的提醒好主委那我們用新方法在去年的七月我們已經通過了詐欺犯罪危害防治條例那這個防治條例如果金管會跟蘇阿部共同研擬加強防治就是查記那個貸款的貸辦的一個詐騙這個有沒有效"},{"start":533.001,"end":546.958,"text":"那如果有效的話你是不是我想有效沒有效這個是一定要研究的你說我們假設他是透過廣告的部分的話我們來真的這部分我們本來就有一個有系統的偵測詐騙廣告的查緝的這個作為"},{"start":549.781,"end":576.06,"text":"那我們也可以把這個列為未來相關的比如說關鍵字啊這些東西我們先從救援在廣告上面就來處理也是一條路但是我們就會跟這個相關的我們單位在演繹假如這個問題我們想想看有什麼更好的方法來處理這問題不過委員剛剛提起來這還是很多就是說當然就像我們過去在做打炸的時候是這個不打更炸所以我們希望說但是招式一定要一定要"},{"start":577.733,"end":604.389,"text":"與時俱進啦我們的方法要來改變以時俱進嘛所以就是說我現在就是請教主委嘛如果這樣子的話這個金保法的一個那個就是也是有把這個我們的金融那個就是代辦那個貸款代辦的一個業務納入金融服務業那是不是就是說我想也是在一個月內提供一個書面的報告所以這邊我們會來"},{"start":606.93,"end":617.596,"text":"會來按照這個報告提出不過我們認為說這個東西要納入的話也是要多方評估我們再把這個意見再跟委員報告好 謝謝謝謝主席謝謝賴昭偉我們現在會請李燕秀委員質詢我們要報告委員會我們在等下一位宗嘉斌委員質詢結束之後我們休息十分鐘好 謝謝昭偉我是不是可以先請我們央行的"}]}}},"gazette":{"lineno":669,"blocks":[["賴委員惠員：（10時32分）謝謝主席，有請金管會彭主委，還有檢查局賴局長。"],["主席：請彭主委、賴局長。"],["彭主任委員金隆：委員早安。"],["賴委員惠員：主委早安。主委，我想先從2005年卡債風波談起，其實那時候的債權高達7,900億，我們看到2005年銀行的債權就高達7,900億了，而新型態的債權是來自於融資公司，光是從五大租賃公司中古車業務的規模來看，我們都擔心下一波最大的消費者債務風暴可能來自於融資公司。單單以一位社工經手的案件統計來講，隨著層出不窮的貸款代辦詐騙，新型態的債務已經年輕化了。新型態的債務統稱大概是租賃，我們看到很多年輕人負債的原因之一竟然是被詐騙，他們為什麼要去借錢？第一項原因是事業資金的需求，第二項竟然是被詐騙，可見詐騙也是我們目前要去考慮的。","再來，最近ATM每日提款額度，國泰世華自去年12月14日起調降金融卡提款限額，從每天20萬元調到15萬元，甚至兆豐銀行的數位帳戶更是已經調到每天只能領1萬。請教主委，銀行是基於什麼樣的理由來調降每日提款的額度呢？你的看法是怎麼樣？"],["彭主任委員金隆：今天銀行局局長在這邊，兆豐的董事長也在這邊，我先就金管會的部分說明。當然，其中有很多因素，我們推測是因為各家銀行基於自己的風險管控，還有最近詐騙很多，他們會根據銀行的屬性、客戶的屬性及提款的金額做分析，自己決定金額的限制，我想這也因應整個……剛剛講了，是為了保護民眾的財產安全，當然這會造成一些不便，銀行自己要承受客戶的怨言。"],["賴委員惠員：可是主委，這個跟上次我們一起討論的取消自然人憑證，其實意思都是一樣的。"],["彭主任委員金隆：就是不可以完全去風險化的經營。"],["賴委員惠員：對，你看在美國或其他的國家，他們已經利用ATM辦理智慧性臨櫃服務，難道其他的國家沒有詐騙的問題嗎？"],["彭主任委員金隆：其實全世界都非常嚴重。"],["賴委員惠員：當然啊！可以人家也勇於讓ATM服務提款人，又可以防堵詐騙。"],["彭主任委員金隆：對，其實我們市場上也不是所有的銀行都這麼做，因為我們有時候……"],["賴委員惠員：可是我們的銀行已經陸續在調整了。"],["彭主任委員金隆：對，因為有時候是……"],["賴委員惠員：而且從20萬調整到15萬，一直下降。"],["彭主任委員金隆：確實這也是我們會關切的，就是如果已經影響到民眾的基本權益，當然，在很多狀況不是很清楚的情況下，銀行會先做預應，然後再看看這個問題如何來處理。"],["賴委員惠員：主委，我想你應該想一些比較智慧性的……"],["彭主任委員金隆：對，比較精準的方式。"],["賴委員惠員：用比較智慧性的方式來服務大家，而不是用防堵的方式，我覺得這是一個比較……"],["彭主任委員金隆：理解，我可以請銀行局局長跟您簡單地回答一下嗎？謝謝。"],["賴委員惠員：沒關係，我們事後再來討論。","接著跟主委探討一下聯徵次數的限制，到底聯徵次數的限制有沒有符合金融自由市場的需求？我們常常看到銀行法規的一個規定，即三個月內你如果申請三次的話，就不能貸款，到底聯徵中心講的是不是真的？"],["彭主任委員金隆：委員，抱歉，這個我確實沒有那麼清楚，我請銀行局長跟您解釋。"],["賴委員惠員：好。"],["彭主任委員金隆：謝謝。"],["童局長政彰：報告委員，這個應該是銀行從它的授信實務來看，也就是說當一個人頻繁地被查詢聯徵，可能是他在資金的需求上會有比較急迫的情況。"],["賴委員惠員：是，沒有錯。"],["童局長政彰：不過這個並不能夠作為銀行拒貸的理由。"],["賴委員惠員：當然，銀行是不能這樣做的，如果我在幾個月內要辦信用卡，又要到銀行開戶或開證券帳戶的話，在短時間內我可能會連續幾次用到聯徵的次數，如果像局長這樣講的話，這顯然是詐騙集團的話術，而不是銀行的堅持囉？如果你這樣說的話。"],["童局長政彰：是，同意委員的看法。"],["賴委員惠員：所以這個是貸款代辦的話術？你的看法呢？"],["童局長政彰：對，這個在銀行的評分系統裡面，或許有些銀行會把它納為一個評估的因素，但聯徵次數查詢多次，絕對不會是銀行作為借貸的條件。"],["賴委員惠員：那是銀行管理上的內規嗎？是這樣子嗎？"],["童局長政彰：對，銀行回歸到它的風險系統，它對每一個風險因子都會有不同的權數，這個部分當然是回歸到……"],["賴委員惠員：所以你看啊！貸款代辦等於是被詐騙集團作為他們詐騙的一個手法，有沒有什麼……"],["童局長政彰：跟委員報告，這個部分我們禁止銀行接受代辦進件。"],["賴委員惠員：當然，我們一定是禁止啊！可是問題是你這個禁止好像也禁不了，你看，還是層出不窮啊！"],["童局長政彰：我們會從日常監理跟金融檢查這兩個管道，嚴格地杜絕銀行的進件是從代辦公司進來的。"],["賴委員惠員：是，沒有錯，可是你一直防堵它，它還是一樣，我們看113年9月到12月詐騙案件前十大的被害方式，你看113年的案子，男生被害的，謊稱代辦貸款的排序是第六名。女性因為代辦貸款而被騙錢的是第八名，這個普遍還是存在的，顯然你們這些防堵的效果不明確。"],["童局長政彰：跟委員報告，這個部分我們會從兩個面向來著手。第一個部分，我們會持續要求銀行絕對不能夠接受任何一件代辦進來的案件。另外一個部分，委員剛才有提到這樣子的一個現象，我們在金融宣導的部分會加強宣導。"],["賴委員惠員：會加強宣導，金管會一直在強調普惠金融，這個實在是有一點諷刺啦！你看，在警政署今年4月2號的詐騙統計當中，去年下半年的前十大詐騙方式，代辦貸款還是榜上有名，可見這幾年我們這些普惠金融，我們這些防堵，顯然是沒有效的，尤其你們金管會大概是在每年過年就會有一次宣導，提醒大家不要被騙，雖然你們一直做這些事情，可是還是很多人被騙，怎麼辦呢？"],["彭主任委員金隆：感謝委員的提醒，我們對詐騙深惡痛絕，方法上我們不能用老招式，所以我們當然會來改善，委員的提醒我們也會跟銀行來想想看，除了我們過去的宣導和加強查核以外，有沒有更積極的作為，因為這是一個老問題，但是我們會想新方法來解決，我們來加強，謝謝委員的提醒。"],["賴委員惠員：好，主委，請你們用新方法，在去年7月我們已經通過了詐欺犯罪危害防制條例，這個防制條例如果由金管會跟數發部共同研擬，加強防制、查緝貸款代辦詐騙，這個有沒有效？如果有效的話，你是不是……我想不管有沒有效，這個是一定要研究的。"],["彭主任委員金隆：比如說我們假設它是透過廣告的話，針對這部分，我們本來就有一個系統偵測詐騙廣告的查緝作為，我們也可以把這個列為未來相關的……比如說關鍵字這些東西，我們先從就源廣告上面來處理，這也是一條路，但是我們會再跟相關單位研議，想想看有沒有什麼更好的方法來處理這個問題。不過委員剛剛提到還是很多人被騙，當然，就像我們過去在做打詐的時候，不打更詐，招式一定要與時俱進，我們的方法要改變。"],["賴委員惠員：好，與時俱進，所以我現在就是請教主委，如果是這樣子的話，金保法也是有把金融貸款代辦的業務納入金融服務業，是不是在一個月內提供書面報告給本席？"],["彭主任委員金隆：可以，這部分我們會按時提出報告，不過我們認為這個東西要納入的話，也是要多方評估，我們再把這個意見跟委員報告，謝謝。"],["賴委員惠員：好，謝謝。謝謝主席。"],["主席：謝謝賴召委。","下一位請李彥秀委員質詢。","報告委員會，我們等下一位鍾佳濱委員質詢結束之後，休息10分鐘。"]],"agenda":{"page_end":380,"meet_id":"委員會-11-3-20-13","speakers":["賴士葆","林德福","吳秉叡","郭國文","賴惠員","李彥秀","鍾佳濱","羅明才","李坤城","顏寬恒","黃珊珊","陳玉珍","林思銘","王世堅","林楚茵","廖先翔","邱志偉","楊瓊瓔","陳冠廷"],"page_start":299,"meetingDate":["2025-05-21"],"gazette_id":"1145101","agenda_lcidc_ids":["1145101_00009"],"meet_name":"立法院第11屆第3會期財政委員會第13次全體委員會議紀錄","content":"一、邀請財政部、金融監督管理委員會、中央銀行就「房屋稅2.0課徵亂象與金融機構對不動產\n融資緊縮及中央銀行信用管制措施對房地產交易之影響」進行專題報告，並備質詢；二、處理中\n華民國 114 年度中央政府總預算決議有關金融監督管理委員會主管預算凍結書面報告案 39 案；\n三、處理中華民國114年度中央政府總預算決議有關金融監督管理委員會主管預算凍結專案報告\n案9案","agenda_id":"1145101_00008"}}}