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\"score\": 0.855}, {\"word\": \"們\"}, {\"word\": \"已\", \"start\": 539.986, \"end\": 540.466, \"score\": 0.951}, {\"word\": \"經\"}, {\"word\": \"做\", \"start\": 540.466, \"end\": 540.626, \"score\": 0.843}, {\"word\": \"了\", \"start\": 540.626, \"end\": 540.746, \"score\": 0.881}, {\"word\": \"很\", \"start\": 540.746, \"end\": 540.906, \"score\": 0.963}, {\"word\": \"多\", \"start\": 540.906, \"end\": 541.046, \"score\": 0.961}, {\"word\": \"很\", \"start\": 541.046, \"end\": 541.146, \"score\": 0.988}, {\"word\": \"多\", \"start\": 541.146, \"end\": 541.306, \"score\": 0.835}, {\"word\": \"的\", \"start\": 541.306, \"end\": 541.766, \"score\": 0.974}, {\"word\": \"放\", \"start\": 541.766, \"end\": 542.127, \"score\": 0.561}, {\"word\": \"寬\"}, {\"word\": \"他\", \"start\": 542.127, \"end\": 542.347, \"score\": 0.732}, {\"word\": \"們\"}, {\"word\": \"也\", \"start\": 542.347, \"end\": 542.447, \"score\": 0.653}, {\"word\": \"都\", \"start\": 542.447, \"end\": 542.947, \"score\": 0.795}, {\"word\": \"我\", \"start\": 542.947, \"end\": 543.047, \"score\": 0.686}, {\"word\": \"們\"}, {\"word\": \"也\", \"start\": 543.047, \"end\": 543.247, \"score\": 0.616}, {\"word\": \"持\", \"start\": 543.247, \"end\": 543.567, \"score\": 0.79}, {\"word\": \"續\"}, {\"word\": \"跟\", \"start\": 543.567, \"end\": 543.627, \"score\": 0.746}, {\"word\": \"他\", \"start\": 543.627, \"end\": 543.647, \"score\": 0.0}, {\"word\": \"們\"}, {\"word\": \"三\", \"start\": 543.647, \"end\": 543.667, \"score\": 0.0}, {\"word\": \"家\", \"start\": 543.667, \"end\": 544.007, \"score\": 0.885}, {\"word\": \"定\", \"start\": 544.007, \"end\": 544.307, \"score\": 0.929}, {\"word\": \"期\", \"start\": 544.307, \"end\": 544.467, \"score\": 0.754}, {\"word\": \"的\", \"start\": 544.467, \"end\": 544.707, \"score\": 0.852}, {\"word\": \"跟\", \"start\": 544.707, \"end\": 544.947, \"score\": 0.816}, {\"word\": \"工\", \"start\": 544.947, \"end\": 545.447, \"score\": 0.832}, {\"word\": \"會\"}, {\"word\": \"做\", \"start\": 545.447, \"end\": 545.667, \"score\": 0.967}, {\"word\": \"互\", \"start\": 545.667, \"end\": 546.027, \"score\": 0.803}, {\"word\": \"動\"}, {\"word\": \"瞭\", \"start\": 546.027, \"end\": 546.308, \"score\": 0.735}, {\"word\": \"解\", \"start\": 546.308, \"end\": 546.588, \"score\": 0.909}, {\"word\": \"我\", \"start\": 546.588, \"end\": 546.848, \"score\": 0.762}, {\"word\": \"們\"}, {\"word\": \"在\", \"start\": 546.848, \"end\": 547.008, \"score\": 0.743}, {\"word\": \"法\", \"start\": 547.008, \"end\": 547.328, \"score\": 0.668}, {\"word\": \"規\"}, {\"word\": \"面\", \"start\": 547.328, \"end\": 547.628, \"score\": 0.915}, {\"word\": \"如\", \"start\": 547.628, \"end\": 547.808, \"score\": 0.808}, {\"word\": \"何\", \"start\": 547.808, \"end\": 548.328, \"score\": 0.768}, {\"word\": \"適\"}, {\"word\": \"時\"}, {\"word\": \"的\", \"start\": 548.328, \"end\": 548.428, \"score\": 0.602}, {\"word\": \"去\", \"start\": 548.428, \"end\": 548.548, \"score\": 0.671}, {\"word\": \"做\", \"start\": 548.548, \"end\": 548.928, \"score\": 0.705}, {\"word\": \"調\"}, {\"word\": \"整\", \"start\": 548.928, \"end\": 549.068, \"score\": 0.473}, {\"word\": \"我\", \"start\": 549.068, \"end\": 549.188, \"score\": 0.581}, {\"word\": \"想\", \"start\": 549.188, \"end\": 549.368, \"score\": 0.693}, {\"word\": \"是\", \"start\": 549.368, \"end\": 549.448, \"score\": 0.822}, {\"word\": \"有\", \"start\": 549.448, \"end\": 549.628, \"score\": 0.893}, {\"word\": \"必\", \"start\": 549.628, \"end\": 549.768, \"score\": 0.843}, {\"word\": \"要\", \"start\": 549.768, \"end\": 549.968, \"score\": 0.834}, {\"word\": \"的\", \"start\": 549.968, \"end\": 550.068, \"score\": 0.651}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"主\", \"start\": 550.068, \"end\": 550.268, \"score\": 0.828}, {\"word\": \"委\", \"start\": 550.268, \"end\": 550.308, \"score\": 0.499}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"李\", \"start\": 550.308, \"end\": 550.408, \"score\": 0.698}, {\"word\": \"委\", \"start\": 550.408, \"end\": 550.428, \"score\": 0.0}, {\"word\": \"員\"}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"彭\", \"start\": 550.428, \"end\": 550.548, \"score\": 0.715}, {\"word\": \"主\", \"start\": 550.548, \"end\": 550.669, \"score\": 0.645}, {\"word\": \"委\", \"start\": 550.669, \"end\": 550.689, \"score\": 0.0}, {\"word\": \"我\", \"start\": 550.689, \"end\": 550.949, \"score\": 0.854}, {\"word\": \"們\"}, {\"word\": \"現\"}, {\"word\": \"在\", \"start\": 550.949, \"end\": 551.069, \"score\": 0.721}, {\"word\": \"休\", \"start\": 551.069, \"end\": 551.089, \"score\": 0.0}, {\"word\": \"息\", \"start\": 551.089, \"end\": 551.109, \"score\": 0.006}, {\"word\": \"十\", \"start\": 551.109, \"end\": 551.229, \"score\": 0.832}, {\"word\": \"分\", \"start\": 551.229, \"end\": 551.249, \"score\": 0.0}, {\"word\": \"鐘\"}], \"language\": \"zh\"}","srt":"1\n00:00:00,089 --> 00:00:19,044\n有幾個其實之前幾位委員已經關注過但是我最後還是有幾個建議包括銀行AI打詐變成擾民的議題我也整理了在催上面民眾對於幾個銀行凍結賬戶的一些意見包括莫名其妙的被凍結影響到後續交割還有包括裡面只有165塊就被凍結還有包括兩年被凍結被鎖卡鎖了三次\n\n2\n00:00:29,392 --> 00:00:57,472\n所以包括之前委員的一些建議包括小額平凡的交易低餘額久未往來賬戶都會被銀行判定為高風險那當然我也關注到主委您在上個星期有表示幾個星期前有表示說其實銀行也是受害者過程當中您也給我們金融業者許多的支持那也強調說力挺銀行鎖卡後事後可以通知但是我還是有幾個具體的建議因為有一些銀行他的鎖卡的機制\n\n3\n00:00:59,033 --> 00:01:17,019\n那個流程非常繁雜有些是莫名其妙就說有一些它有一定的標準流程也就是說每個銀行鎖卡凍結的那個程度方式不太一樣所以我有幾個建議直接建議給主委就是說未來對於AI的詐騙的系統我們必須要提高\n\n4\n00:01:17,819 --> 00:01:33,230\n準確度它那個一致性各銀行應該有一個標準不要有些銀行那個標準非常的高有些非常的低這都不是我們願意見到的所以我覺得未來準確度的部分減少誤判我覺得要有一個SOP我希望今晚會可以輔導\n\n5\n00:01:34,691 --> 00:01:44,797\n第二凍結以後應該用多元的管道通知讓帳戶所有人可以很快速的得到這個資訊還有具體的原因到底是什麼並且可以通知他到底是因為太頻繁進出還是什麼樣的原因然後解鎖的步驟我覺得更應該明確的讓帳戶所有人知道然後解鎖的時間有一些解鎖時間甚至到兩三個月才有辦法再打開帳戶再可以使用\n\n6\n00:02:04,108 --> 00:02:28,739\n所以對很多人來說我可能只有這麼一個賬戶我可能牽涉到我可能要支付一些我使用的賬目的問題所以未來解鎖時間是不是應該再調整一下什麼是一個合理的時間範圍我覺得應該做溝通接下來第四點就是強化政策的溝通未來如何讓民眾知道高風險的交易型態降低被凍結的機率\n\n7\n00:02:30,180 --> 00:02:47,765\n這是以上我對於這個議題四點的建議我希望在短時間之內一個月之內請主委更明確化能公告給所有的人知道這一點可以嗎謝謝委員剛剛這個一二三四我初步看起來都非常有那個建設性除了第四個我也有小小的顧慮以外\n\n8\n00:02:48,285 --> 00:03:10,525\n沒關係你就回去檢討然後三個禮拜一個月之內公告給所有的民眾知道那第二個我要請問一下有關上市櫃公司未來包括我們徵集會有一個標準的評鑑制度這是我長期所關注我想主委非常清楚我們評鑑的指標有四大區塊我想我就不用再做贅述主委可能比我還要了解\n\n9\n00:03:12,767 --> 00:03:30,875\n當然這個評鑑現在也都讓所有上市商會公司非常的重視因為包括櫃買公司治理的指數這些評鑑其實現在外界都非常的重視所以就114年度我們公司治理的指標當中第4.3項我們必須揭露當年永續發展ESG具體的推動計畫跟實施的成效\n\n10\n00:03:38,778 --> 00:04:01,012\n當然ESG裡面我們有分六大項未來可以去努力的方向包括海洋保育、原鄉的一些合作產學合作、庇護工廠跟高齡友善、多元語言六大項指標那我是不是可以建議主委就是說未來我們可不可以增加一些評鑑的項目來更完善所謂的評鑑的一些內容\n\n11\n00:04:02,273 --> 00:04:28,341\n包括我长期在提的其实教育是百年的大忌我们目前全国在公立的高国中国小当中其实在921大地震之后我们全台湾在校舍的部分有超过50年其实有2200栋超过30年有8300栋这些都已经达到应该改建或者它很多它都是海沙的校舍\n\n12\n00:04:29,221 --> 00:04:50,392\n或者是他耐震的指數沒有達到那個標準但是我們有礙於我們現在經費其實都沒有辦法改建所以我非常期望就是說未來我們ESG永續的部分至少在公立的高國中國小未來我們是不是有可能在4.3項以下的範例加上投入教育部所定義的\n\n13\n00:04:51,252 --> 00:05:02,746\n公立的高中以下的學校老舊校舍的整建作為未來評鑑的項目之一我們有沒有機會朝向這樣的指標來做努力\n\n14\n00:05:03,664 --> 00:05:25,217\n我想委員我們也討論過我是個人是支持這個方向而且我們就我也去了解一下實務上我們過去也有好幾個案例都是做這件事情而且也列入到現在已經有案例已經完成的是列入在他們的報告也是列為加分事項\n\n15\n00:05:25,717 --> 00:05:45,374\n主委我想很多上市商會公司可能還不清楚原來這些也可以做因為我們現在大家都知道各縣市很多特別偏鄉它在經費上財源上是不足的所以針對很多學校應該改建老舊校舍改建海沙校舍的改建我們都希望加快腳步\n\n16\n00:05:46,255 --> 00:06:14,242\n那中央可以給藝術的財源也有限未來主要計畫這個主要計畫的項目到底可以協助多少都還不知道如果增加這永續的項目很清楚的名列在下面的話我相信很多上市商會公司他也很願意支持公部門校舍的改建所以這一塊我希望是很具體化的文字寫在寫的落實更清楚主委可不可以朝向這樣的方式去修正在4.3\n\n17\n00:06:16,482 --> 00:06:42,732\n我剛剛講過就是我支持這個方向因為主要是我覺得教育是一個在ESGS部分非常重要的區塊那我們講怎麼樣在現有的這個制度上面把這個類似這樣的範例可以把它放上去我想這部分我們朝這個方向來做只是他在檢討指標會一定的時程每年每年這樣我想朝向這個方向應該是可以所以我們下次檢討是什麼時候因為\n\n18\n00:06:44,153 --> 00:07:00,305\n因為上次講完以後他們會已經開完了今年這樣但是這個已經是在過去已經有案例所以其實今年也是能夠做所以我覺得我們就加強讓他們大家都很清楚知道其實過去已經有上市櫃公司已經我至少看到兩個例子都已經有做這件事情\n\n19\n00:07:00,845 --> 00:07:03,667\n好那主委我最後一個議題就是有關於我們純網營的部分那有關於純網營我們現在開放的部分因為純網營他的他目前他虧損的狀況其實非常嚴重大概虧損累積到85億那相較於同期在今年度跟去年度\n\n20\n00:07:17,638 --> 00:07:45,397\n相比年損也增加了20億左右那當然他營收目前只能靠利息跟手續費的收入但是我們觀察在包括在日本他開放的項目其實經營非常的多我也很高興看到主委對於未來政策的鬆綁那目前我們未來是就是說未來業務是可以先不要先不要提計劃事辦的項目我們可以做一些解編那未來就是說主委您對於網營的開放的部分\n\n21\n00:07:47,779 --> 00:08:02,296\n除了你目前所宣示的之外未来在政策辅导上法规的松绑上您还有什么样的不同的做法我们可以期待我想就是当时我们开放这个网络金融包括我们即将开放的\n\n22\n00:08:03,157 --> 00:08:17,902\n那個數位保險公司都一樣我們是支持這個數位金融因為市場上需要多元化多樣化而且是一些比較前瞻式的這樣經營模式但是我們要兼顧市場經營的公平性所以我上任以後我就跟銀行局提到就是說\n\n23\n00:08:19,863 --> 00:08:41,364\n這個三家網銀也是200億資本額的這個完整的銀行那我們盡量的就是讓它維持到它一定的創新性的前提那個承諾之下我們盡量的去做一些跟一般銀行的業務能夠盡量做對標那在適度的時候我們就做一些放寬我想希望他們能夠\n\n24\n00:08:44,414 --> 00:08:49,641\n保有他們的我們當初開放純網營的要求但是也希望他有個公平的競爭\n\n25\n00:08:51,004 --> 00:09:11,249\n公平的競爭然後彈性靈活度可以協助銀行也好網營業者也好其實我們過去已經對他的業務特別是他線下的業務我們已經做了很多很多的放寬他們也都我們也持續跟他們三家定期的跟工會做互動瞭解我們在法規面如何適時的去做調整我想是有必要的謝謝主委謝謝謝謝謝謝李委員謝謝彭主委我們現在休息十分鐘\n\n","tsv":"start\tend\ttext\n89\t19044\t有幾個其實之前幾位委員已經關注過但是我最後還是有幾個建議包括銀行AI打詐變成擾民的議題我也整理了在催上面民眾對於幾個銀行凍結賬戶的一些意見包括莫名其妙的被凍結影響到後續交割還有包括裡面只有165塊就被凍結還有包括兩年被凍結被鎖卡鎖了三次\n29392\t57472\t所以包括之前委員的一些建議包括小額平凡的交易低餘額久未往來賬戶都會被銀行判定為高風險那當然我也關注到主委您在上個星期有表示幾個星期前有表示說其實銀行也是受害者過程當中您也給我們金融業者許多的支持那也強調說力挺銀行鎖卡後事後可以通知但是我還是有幾個具體的建議因為有一些銀行他的鎖卡的機制\n59033\t77019\t那個流程非常繁雜有些是莫名其妙就說有一些它有一定的標準流程也就是說每個銀行鎖卡凍結的那個程度方式不太一樣所以我有幾個建議直接建議給主委就是說未來對於AI的詐騙的系統我們必須要提高\n77819\t93230\t準確度它那個一致性各銀行應該有一個標準不要有些銀行那個標準非常的高有些非常的低這都不是我們願意見到的所以我覺得未來準確度的部分減少誤判我覺得要有一個SOP我希望今晚會可以輔導\n94691\t104797\t第二 凍結以後應該用多元的管道通知讓帳戶所有人可以很快速的得到這個資訊還有具體的原因到底是什麼並且可以通知他到底是因為太頻繁進出還是什麼樣的原因然後解鎖的步驟我覺得更應該明確的讓帳戶所有人知道然後解鎖的時間有一些解鎖時間甚至到兩三個月才有辦法再打開帳戶再可以使用\n124108\t148739\t所以對很多人來說我可能只有這麼一個賬戶我可能牽涉到我可能要支付一些我使用的賬目的問題所以未來解鎖時間是不是應該再調整一下什麼是一個合理的時間範圍我覺得應該做溝通接下來第四點就是強化政策的溝通未來如何讓民眾知道高風險的交易型態降低被凍結的機率\n150180\t167765\t這是以上我對於這個議題四點的建議我希望在短時間之內一個月之內請主委更明確化能公告給所有的人知道這一點可以嗎謝謝委員剛剛這個一二三四我初步看起來都非常有那個建設性除了第四個我也有小小的顧慮以外\n168285\t190525\t沒關係你就回去檢討然後三個禮拜一個月之內公告給所有的民眾知道那第二個我要請問一下有關上市櫃公司未來包括我們徵集會有一個標準的評鑑制度這是我長期所關注我想主委非常清楚我們評鑑的指標有四大區塊我想我就不用再做贅述主委可能比我還要了解\n192767\t210875\t當然這個評鑑現在也都讓所有上市商會公司非常的重視因為包括櫃買公司治理的指數這些評鑑其實現在外界都非常的重視所以就114年度我們公司治理的指標當中第4.3項我們必須揭露當年永續發展ESG具體的推動計畫跟實施的成效\n218778\t241012\t當然ESG裡面我們有分六大項未來可以去努力的方向包括海洋保育、原鄉的一些合作產學合作、庇護工廠跟高齡友善、多元語言六大項指標那我是不是可以建議主委就是說未來我們可不可以增加一些評鑑的項目來更完善所謂的評鑑的一些內容\n242273\t268341\t包括我长期在提的其实教育是百年的大忌我们目前全国在公立的高国中国小当中其实在921大地震之后我们全台湾在校舍的部分有超过50年其实有2200栋超过30年有8300栋这些都已经达到应该改建或者它很多它都是海沙的校舍\n269221\t290392\t或者是他耐震的指數沒有達到那個標準但是我們有礙於我們現在經費其實都沒有辦法改建所以我非常期望就是說未來我們ESG永續的部分至少在公立的高國中國小未來我們是不是有可能在4.3項以下的範例加上投入教育部所定義的\n291252\t302746\t公立的高中以下的學校老舊校舍的整建作為未來評鑑的項目之一我們有沒有機會朝向這樣的指標來做努力\n303664\t325217\t我想委員我們也討論過我是個人是支持這個方向而且我們就我也去了解一下實務上我們過去也有好幾個案例都是做這件事情而且也列入到現在已經有案例已經完成的是列入在他們的報告也是列為加分事項\n325717\t345374\t主委我想很多上市商會公司可能還不清楚原來這些也可以做因為我們現在大家都知道各縣市很多特別偏鄉它在經費上財源上是不足的所以針對很多學校應該改建老舊校舍改建海沙校舍的改建我們都希望加快腳步\n346255\t374242\t那中央可以給藝術的財源也有限未來主要計畫這個主要計畫的項目到底可以協助多少都還不知道如果增加這永續的項目很清楚的名列在下面的話我相信很多上市商會公司他也很願意支持公部門校舍的改建所以這一塊我希望是很具體化的文字寫在寫的落實更清楚主委可不可以朝向這樣的方式去修正在4.3\n376482\t402732\t我剛剛講過就是我支持這個方向因為主要是我覺得教育是一個在ESGS部分非常重要的區塊那我們講怎麼樣在現有的這個制度上面把這個類似這樣的範例可以把它放上去我想這部分我們朝這個方向來做只是他在檢討指標會一定的時程每年每年這樣我想朝向這個方向應該是可以所以我們下次檢討是什麼時候因為\n404153\t420305\t因為上次講完以後他們會已經開完了今年這樣但是這個已經是在過去已經有案例所以其實今年也是能夠做所以我覺得我們就加強讓他們大家都很清楚知道其實過去已經有上市櫃公司已經我至少看到兩個例子都已經有做這件事情\n420845\t423667\t好那主委我最後一個議題就是有關於我們純網營的部分那有關於純網營我們現在開放的部分因為純網營他的他目前他虧損的狀況其實非常嚴重大概虧損累積到85億那相較於同期在今年度跟去年度\n437638\t465397\t相比年損也增加了20億左右那當然他營收目前只能靠利息跟手續費的收入但是我們觀察在包括在日本他開放的項目其實經營非常的多我也很高興看到主委對於未來政策的鬆綁那目前我們未來是就是說未來業務是可以先不要先不要提計劃事辦的項目我們可以做一些解編那未來就是說主委您對於網營的開放的部分\n467779\t482296\t除了你目前所宣示的之外未来在政策辅导上法规的松绑上您还有什么样的不同的做法我们可以期待我想就是当时我们开放这个网络金融包括我们即将开放的\n483157\t497902\t那個數位保險公司都一樣我們是支持這個數位金融因為市場上需要多元化 多樣化而且是一些比較前瞻式的這樣經營模式但是我們要兼顧市場經營的公平性所以我上任以後我就跟銀行局提到就是說\n499863\t521364\t這個三家網銀也是200億資本額的這個完整的銀行那我們盡量的就是讓它維持到它一定的創新性的前提那個承諾之下我們盡量的去做一些跟一般銀行的業務能夠盡量做對標那在適度的時候我們就做一些放寬我想希望他們能夠\n524414\t529641\t保有他們的我們當初開放純網營的要求但是也希望他有個公平的競爭\n531004\t551249\t公平的競爭然後彈性靈活度可以協助銀行也好網營業者也好其實我們過去已經對他的業務特別是他線下的業務我們已經做了很多很多的放寬他們也都我們也持續跟他們三家定期的跟工會做互動瞭解我們在法規面如何適時的去做調整我想是有必要的謝謝主委謝謝謝謝謝謝李委員謝謝彭主委我們現在休息十分鐘\n","txt":"有幾個其實之前幾位委員已經關注過但是我最後還是有幾個建議包括銀行AI打詐變成擾民的議題我也整理了在催上面民眾對於幾個銀行凍結賬戶的一些意見包括莫名其妙的被凍結影響到後續交割還有包括裡面只有165塊就被凍結還有包括兩年被凍結被鎖卡鎖了三次\n所以包括之前委員的一些建議包括小額平凡的交易低餘額久未往來賬戶都會被銀行判定為高風險那當然我也關注到主委您在上個星期有表示幾個星期前有表示說其實銀行也是受害者過程當中您也給我們金融業者許多的支持那也強調說力挺銀行鎖卡後事後可以通知但是我還是有幾個具體的建議因為有一些銀行他的鎖卡的機制\n那個流程非常繁雜有些是莫名其妙就說有一些它有一定的標準流程也就是說每個銀行鎖卡凍結的那個程度方式不太一樣所以我有幾個建議直接建議給主委就是說未來對於AI的詐騙的系統我們必須要提高\n準確度它那個一致性各銀行應該有一個標準不要有些銀行那個標準非常的高有些非常的低這都不是我們願意見到的所以我覺得未來準確度的部分減少誤判我覺得要有一個SOP我希望今晚會可以輔導\n第二 凍結以後應該用多元的管道通知讓帳戶所有人可以很快速的得到這個資訊還有具體的原因到底是什麼並且可以通知他到底是因為太頻繁進出還是什麼樣的原因然後解鎖的步驟我覺得更應該明確的讓帳戶所有人知道然後解鎖的時間有一些解鎖時間甚至到兩三個月才有辦法再打開帳戶再可以使用\n所以對很多人來說我可能只有這麼一個賬戶我可能牽涉到我可能要支付一些我使用的賬目的問題所以未來解鎖時間是不是應該再調整一下什麼是一個合理的時間範圍我覺得應該做溝通接下來第四點就是強化政策的溝通未來如何讓民眾知道高風險的交易型態降低被凍結的機率\n這是以上我對於這個議題四點的建議我希望在短時間之內一個月之內請主委更明確化能公告給所有的人知道這一點可以嗎謝謝委員剛剛這個一二三四我初步看起來都非常有那個建設性除了第四個我也有小小的顧慮以外\n沒關係你就回去檢討然後三個禮拜一個月之內公告給所有的民眾知道那第二個我要請問一下有關上市櫃公司未來包括我們徵集會有一個標準的評鑑制度這是我長期所關注我想主委非常清楚我們評鑑的指標有四大區塊我想我就不用再做贅述主委可能比我還要了解\n當然這個評鑑現在也都讓所有上市商會公司非常的重視因為包括櫃買公司治理的指數這些評鑑其實現在外界都非常的重視所以就114年度我們公司治理的指標當中第4.3項我們必須揭露當年永續發展ESG具體的推動計畫跟實施的成效\n當然ESG裡面我們有分六大項未來可以去努力的方向包括海洋保育、原鄉的一些合作產學合作、庇護工廠跟高齡友善、多元語言六大項指標那我是不是可以建議主委就是說未來我們可不可以增加一些評鑑的項目來更完善所謂的評鑑的一些內容\n包括我长期在提的其实教育是百年的大忌我们目前全国在公立的高国中国小当中其实在921大地震之后我们全台湾在校舍的部分有超过50年其实有2200栋超过30年有8300栋这些都已经达到应该改建或者它很多它都是海沙的校舍\n或者是他耐震的指數沒有達到那個標準但是我們有礙於我們現在經費其實都沒有辦法改建所以我非常期望就是說未來我們ESG永續的部分至少在公立的高國中國小未來我們是不是有可能在4.3項以下的範例加上投入教育部所定義的\n公立的高中以下的學校老舊校舍的整建作為未來評鑑的項目之一我們有沒有機會朝向這樣的指標來做努力\n我想委員我們也討論過我是個人是支持這個方向而且我們就我也去了解一下實務上我們過去也有好幾個案例都是做這件事情而且也列入到現在已經有案例已經完成的是列入在他們的報告也是列為加分事項\n主委我想很多上市商會公司可能還不清楚原來這些也可以做因為我們現在大家都知道各縣市很多特別偏鄉它在經費上財源上是不足的所以針對很多學校應該改建老舊校舍改建海沙校舍的改建我們都希望加快腳步\n那中央可以給藝術的財源也有限未來主要計畫這個主要計畫的項目到底可以協助多少都還不知道如果增加這永續的項目很清楚的名列在下面的話我相信很多上市商會公司他也很願意支持公部門校舍的改建所以這一塊我希望是很具體化的文字寫在寫的落實更清楚主委可不可以朝向這樣的方式去修正在4.3\n我剛剛講過就是我支持這個方向因為主要是我覺得教育是一個在ESGS部分非常重要的區塊那我們講怎麼樣在現有的這個制度上面把這個類似這樣的範例可以把它放上去我想這部分我們朝這個方向來做只是他在檢討指標會一定的時程每年每年這樣我想朝向這個方向應該是可以所以我們下次檢討是什麼時候因為\n因為上次講完以後他們會已經開完了今年這樣但是這個已經是在過去已經有案例所以其實今年也是能夠做所以我覺得我們就加強讓他們大家都很清楚知道其實過去已經有上市櫃公司已經我至少看到兩個例子都已經有做這件事情\n好那主委我最後一個議題就是有關於我們純網營的部分那有關於純網營我們現在開放的部分因為純網營他的他目前他虧損的狀況其實非常嚴重大概虧損累積到85億那相較於同期在今年度跟去年度\n相比年損也增加了20億左右那當然他營收目前只能靠利息跟手續費的收入但是我們觀察在包括在日本他開放的項目其實經營非常的多我也很高興看到主委對於未來政策的鬆綁那目前我們未來是就是說未來業務是可以先不要先不要提計劃事辦的項目我們可以做一些解編那未來就是說主委您對於網營的開放的部分\n除了你目前所宣示的之外未来在政策辅导上法规的松绑上您还有什么样的不同的做法我们可以期待我想就是当时我们开放这个网络金融包括我们即将开放的\n那個數位保險公司都一樣我們是支持這個數位金融因為市場上需要多元化 多樣化而且是一些比較前瞻式的這樣經營模式但是我們要兼顧市場經營的公平性所以我上任以後我就跟銀行局提到就是說\n這個三家網銀也是200億資本額的這個完整的銀行那我們盡量的就是讓它維持到它一定的創新性的前提那個承諾之下我們盡量的去做一些跟一般銀行的業務能夠盡量做對標那在適度的時候我們就做一些放寬我想希望他們能夠\n保有他們的我們當初開放純網營的要求但是也希望他有個公平的競爭\n公平的競爭然後彈性靈活度可以協助銀行也好網營業者也好其實我們過去已經對他的業務特別是他線下的業務我們已經做了很多很多的放寬他們也都我們也持續跟他們三家定期的跟工會做互動瞭解我們在法規面如何適時的去做調整我想是有必要的謝謝主委謝謝謝謝謝謝李委員謝謝彭主委我們現在休息十分鐘\n","vtt":"WEBVTT\n\n00:00.089 --> 00:19.044\n有幾個其實之前幾位委員已經關注過但是我最後還是有幾個建議包括銀行AI打詐變成擾民的議題我也整理了在催上面民眾對於幾個銀行凍結賬戶的一些意見包括莫名其妙的被凍結影響到後續交割還有包括裡面只有165塊就被凍結還有包括兩年被凍結被鎖卡鎖了三次\n\n00:29.392 --> 00:57.472\n所以包括之前委員的一些建議包括小額平凡的交易低餘額久未往來賬戶都會被銀行判定為高風險那當然我也關注到主委您在上個星期有表示幾個星期前有表示說其實銀行也是受害者過程當中您也給我們金融業者許多的支持那也強調說力挺銀行鎖卡後事後可以通知但是我還是有幾個具體的建議因為有一些銀行他的鎖卡的機制\n\n00:59.033 --> 01:17.019\n那個流程非常繁雜有些是莫名其妙就說有一些它有一定的標準流程也就是說每個銀行鎖卡凍結的那個程度方式不太一樣所以我有幾個建議直接建議給主委就是說未來對於AI的詐騙的系統我們必須要提高\n\n01:17.819 --> 01:33.230\n準確度它那個一致性各銀行應該有一個標準不要有些銀行那個標準非常的高有些非常的低這都不是我們願意見到的所以我覺得未來準確度的部分減少誤判我覺得要有一個SOP我希望今晚會可以輔導\n\n01:34.691 --> 01:44.797\n第二凍結以後應該用多元的管道通知讓帳戶所有人可以很快速的得到這個資訊還有具體的原因到底是什麼並且可以通知他到底是因為太頻繁進出還是什麼樣的原因然後解鎖的步驟我覺得更應該明確的讓帳戶所有人知道然後解鎖的時間有一些解鎖時間甚至到兩三個月才有辦法再打開帳戶再可以使用\n\n02:04.108 --> 02:28.739\n所以對很多人來說我可能只有這麼一個賬戶我可能牽涉到我可能要支付一些我使用的賬目的問題所以未來解鎖時間是不是應該再調整一下什麼是一個合理的時間範圍我覺得應該做溝通接下來第四點就是強化政策的溝通未來如何讓民眾知道高風險的交易型態降低被凍結的機率\n\n02:30.180 --> 02:47.765\n這是以上我對於這個議題四點的建議我希望在短時間之內一個月之內請主委更明確化能公告給所有的人知道這一點可以嗎謝謝委員剛剛這個一二三四我初步看起來都非常有那個建設性除了第四個我也有小小的顧慮以外\n\n02:48.285 --> 03:10.525\n沒關係你就回去檢討然後三個禮拜一個月之內公告給所有的民眾知道那第二個我要請問一下有關上市櫃公司未來包括我們徵集會有一個標準的評鑑制度這是我長期所關注我想主委非常清楚我們評鑑的指標有四大區塊我想我就不用再做贅述主委可能比我還要了解\n\n03:12.767 --> 03:30.875\n當然這個評鑑現在也都讓所有上市商會公司非常的重視因為包括櫃買公司治理的指數這些評鑑其實現在外界都非常的重視所以就114年度我們公司治理的指標當中第4.3項我們必須揭露當年永續發展ESG具體的推動計畫跟實施的成效\n\n03:38.778 --> 04:01.012\n當然ESG裡面我們有分六大項未來可以去努力的方向包括海洋保育、原鄉的一些合作產學合作、庇護工廠跟高齡友善、多元語言六大項指標那我是不是可以建議主委就是說未來我們可不可以增加一些評鑑的項目來更完善所謂的評鑑的一些內容\n\n04:02.273 --> 04:28.341\n包括我长期在提的其实教育是百年的大忌我们目前全国在公立的高国中国小当中其实在921大地震之后我们全台湾在校舍的部分有超过50年其实有2200栋超过30年有8300栋这些都已经达到应该改建或者它很多它都是海沙的校舍\n\n04:29.221 --> 04:50.392\n或者是他耐震的指數沒有達到那個標準但是我們有礙於我們現在經費其實都沒有辦法改建所以我非常期望就是說未來我們ESG永續的部分至少在公立的高國中國小未來我們是不是有可能在4.3項以下的範例加上投入教育部所定義的\n\n04:51.252 --> 05:02.746\n公立的高中以下的學校老舊校舍的整建作為未來評鑑的項目之一我們有沒有機會朝向這樣的指標來做努力\n\n05:03.664 --> 05:25.217\n我想委員我們也討論過我是個人是支持這個方向而且我們就我也去了解一下實務上我們過去也有好幾個案例都是做這件事情而且也列入到現在已經有案例已經完成的是列入在他們的報告也是列為加分事項\n\n05:25.717 --> 05:45.374\n主委我想很多上市商會公司可能還不清楚原來這些也可以做因為我們現在大家都知道各縣市很多特別偏鄉它在經費上財源上是不足的所以針對很多學校應該改建老舊校舍改建海沙校舍的改建我們都希望加快腳步\n\n05:46.255 --> 06:14.242\n那中央可以給藝術的財源也有限未來主要計畫這個主要計畫的項目到底可以協助多少都還不知道如果增加這永續的項目很清楚的名列在下面的話我相信很多上市商會公司他也很願意支持公部門校舍的改建所以這一塊我希望是很具體化的文字寫在寫的落實更清楚主委可不可以朝向這樣的方式去修正在4.3\n\n06:16.482 --> 06:42.732\n我剛剛講過就是我支持這個方向因為主要是我覺得教育是一個在ESGS部分非常重要的區塊那我們講怎麼樣在現有的這個制度上面把這個類似這樣的範例可以把它放上去我想這部分我們朝這個方向來做只是他在檢討指標會一定的時程每年每年這樣我想朝向這個方向應該是可以所以我們下次檢討是什麼時候因為\n\n06:44.153 --> 07:00.305\n因為上次講完以後他們會已經開完了今年這樣但是這個已經是在過去已經有案例所以其實今年也是能夠做所以我覺得我們就加強讓他們大家都很清楚知道其實過去已經有上市櫃公司已經我至少看到兩個例子都已經有做這件事情\n\n07:00.845 --> 07:03.667\n好那主委我最後一個議題就是有關於我們純網營的部分那有關於純網營我們現在開放的部分因為純網營他的他目前他虧損的狀況其實非常嚴重大概虧損累積到85億那相較於同期在今年度跟去年度\n\n07:17.638 --> 07:45.397\n相比年損也增加了20億左右那當然他營收目前只能靠利息跟手續費的收入但是我們觀察在包括在日本他開放的項目其實經營非常的多我也很高興看到主委對於未來政策的鬆綁那目前我們未來是就是說未來業務是可以先不要先不要提計劃事辦的項目我們可以做一些解編那未來就是說主委您對於網營的開放的部分\n\n07:47.779 --> 08:02.296\n除了你目前所宣示的之外未来在政策辅导上法规的松绑上您还有什么样的不同的做法我们可以期待我想就是当时我们开放这个网络金融包括我们即将开放的\n\n08:03.157 --> 08:17.902\n那個數位保險公司都一樣我們是支持這個數位金融因為市場上需要多元化多樣化而且是一些比較前瞻式的這樣經營模式但是我們要兼顧市場經營的公平性所以我上任以後我就跟銀行局提到就是說\n\n08:19.863 --> 08:41.364\n這個三家網銀也是200億資本額的這個完整的銀行那我們盡量的就是讓它維持到它一定的創新性的前提那個承諾之下我們盡量的去做一些跟一般銀行的業務能夠盡量做對標那在適度的時候我們就做一些放寬我想希望他們能夠\n\n08:44.414 --> 08:49.641\n保有他們的我們當初開放純網營的要求但是也希望他有個公平的競爭\n\n08:51.004 --> 09:11.249\n公平的競爭然後彈性靈活度可以協助銀行也好網營業者也好其實我們過去已經對他的業務特別是他線下的業務我們已經做了很多很多的放寬他們也都我們也持續跟他們三家定期的跟工會做互動瞭解我們在法規面如何適時的去做調整我想是有必要的謝謝主委謝謝謝謝謝謝李委員謝謝彭主委我們現在休息十分鐘\n\n","segments":[{"start":0.089,"end":19.044,"text":"有幾個其實之前幾位委員已經關注過但是我最後還是有幾個建議包括銀行AI打詐變成擾民的議題我也整理了在催上面民眾對於幾個銀行凍結賬戶的一些意見包括莫名其妙的被凍結影響到後續交割還有包括裡面只有165塊就被凍結還有包括兩年被凍結被鎖卡鎖了三次"},{"start":29.392,"end":57.472,"text":"所以包括之前委員的一些建議包括小額平凡的交易低餘額久未往來賬戶都會被銀行判定為高風險那當然我也關注到主委您在上個星期有表示幾個星期前有表示說其實銀行也是受害者過程當中您也給我們金融業者許多的支持那也強調說力挺銀行鎖卡後事後可以通知但是我還是有幾個具體的建議因為有一些銀行他的鎖卡的機制"},{"start":59.033,"end":77.019,"text":"那個流程非常繁雜有些是莫名其妙就說有一些它有一定的標準流程也就是說每個銀行鎖卡凍結的那個程度方式不太一樣所以我有幾個建議直接建議給主委就是說未來對於AI的詐騙的系統我們必須要提高"},{"start":77.819,"end":93.23,"text":"準確度它那個一致性各銀行應該有一個標準不要有些銀行那個標準非常的高有些非常的低這都不是我們願意見到的所以我覺得未來準確度的部分減少誤判我覺得要有一個SOP我希望今晚會可以輔導"},{"start":94.691,"end":104.797,"text":"第二 凍結以後應該用多元的管道通知讓帳戶所有人可以很快速的得到這個資訊還有具體的原因到底是什麼並且可以通知他到底是因為太頻繁進出還是什麼樣的原因然後解鎖的步驟我覺得更應該明確的讓帳戶所有人知道然後解鎖的時間有一些解鎖時間甚至到兩三個月才有辦法再打開帳戶再可以使用"},{"start":124.108,"end":148.739,"text":"所以對很多人來說我可能只有這麼一個賬戶我可能牽涉到我可能要支付一些我使用的賬目的問題所以未來解鎖時間是不是應該再調整一下什麼是一個合理的時間範圍我覺得應該做溝通接下來第四點就是強化政策的溝通未來如何讓民眾知道高風險的交易型態降低被凍結的機率"},{"start":150.18,"end":167.765,"text":"這是以上我對於這個議題四點的建議我希望在短時間之內一個月之內請主委更明確化能公告給所有的人知道這一點可以嗎謝謝委員剛剛這個一二三四我初步看起來都非常有那個建設性除了第四個我也有小小的顧慮以外"},{"start":168.285,"end":190.525,"text":"沒關係你就回去檢討然後三個禮拜一個月之內公告給所有的民眾知道那第二個我要請問一下有關上市櫃公司未來包括我們徵集會有一個標準的評鑑制度這是我長期所關注我想主委非常清楚我們評鑑的指標有四大區塊我想我就不用再做贅述主委可能比我還要了解"},{"start":192.767,"end":210.875,"text":"當然這個評鑑現在也都讓所有上市商會公司非常的重視因為包括櫃買公司治理的指數這些評鑑其實現在外界都非常的重視所以就114年度我們公司治理的指標當中第4.3項我們必須揭露當年永續發展ESG具體的推動計畫跟實施的成效"},{"start":218.778,"end":241.012,"text":"當然ESG裡面我們有分六大項未來可以去努力的方向包括海洋保育、原鄉的一些合作產學合作、庇護工廠跟高齡友善、多元語言六大項指標那我是不是可以建議主委就是說未來我們可不可以增加一些評鑑的項目來更完善所謂的評鑑的一些內容"},{"start":242.273,"end":268.341,"text":"包括我长期在提的其实教育是百年的大忌我们目前全国在公立的高国中国小当中其实在921大地震之后我们全台湾在校舍的部分有超过50年其实有2200栋超过30年有8300栋这些都已经达到应该改建或者它很多它都是海沙的校舍"},{"start":269.221,"end":290.392,"text":"或者是他耐震的指數沒有達到那個標準但是我們有礙於我們現在經費其實都沒有辦法改建所以我非常期望就是說未來我們ESG永續的部分至少在公立的高國中國小未來我們是不是有可能在4.3項以下的範例加上投入教育部所定義的"},{"start":291.252,"end":302.746,"text":"公立的高中以下的學校老舊校舍的整建作為未來評鑑的項目之一我們有沒有機會朝向這樣的指標來做努力"},{"start":303.664,"end":325.217,"text":"我想委員我們也討論過我是個人是支持這個方向而且我們就我也去了解一下實務上我們過去也有好幾個案例都是做這件事情而且也列入到現在已經有案例已經完成的是列入在他們的報告也是列為加分事項"},{"start":325.717,"end":345.374,"text":"主委我想很多上市商會公司可能還不清楚原來這些也可以做因為我們現在大家都知道各縣市很多特別偏鄉它在經費上財源上是不足的所以針對很多學校應該改建老舊校舍改建海沙校舍的改建我們都希望加快腳步"},{"start":346.255,"end":374.242,"text":"那中央可以給藝術的財源也有限未來主要計畫這個主要計畫的項目到底可以協助多少都還不知道如果增加這永續的項目很清楚的名列在下面的話我相信很多上市商會公司他也很願意支持公部門校舍的改建所以這一塊我希望是很具體化的文字寫在寫的落實更清楚主委可不可以朝向這樣的方式去修正在4.3"},{"start":376.482,"end":402.732,"text":"我剛剛講過就是我支持這個方向因為主要是我覺得教育是一個在ESGS部分非常重要的區塊那我們講怎麼樣在現有的這個制度上面把這個類似這樣的範例可以把它放上去我想這部分我們朝這個方向來做只是他在檢討指標會一定的時程每年每年這樣我想朝向這個方向應該是可以所以我們下次檢討是什麼時候因為"},{"start":404.153,"end":420.305,"text":"因為上次講完以後他們會已經開完了今年這樣但是這個已經是在過去已經有案例所以其實今年也是能夠做所以我覺得我們就加強讓他們大家都很清楚知道其實過去已經有上市櫃公司已經我至少看到兩個例子都已經有做這件事情"},{"start":420.845,"end":423.667,"text":"好那主委我最後一個議題就是有關於我們純網營的部分那有關於純網營我們現在開放的部分因為純網營他的他目前他虧損的狀況其實非常嚴重大概虧損累積到85億那相較於同期在今年度跟去年度"},{"start":437.638,"end":465.397,"text":"相比年損也增加了20億左右那當然他營收目前只能靠利息跟手續費的收入但是我們觀察在包括在日本他開放的項目其實經營非常的多我也很高興看到主委對於未來政策的鬆綁那目前我們未來是就是說未來業務是可以先不要先不要提計劃事辦的項目我們可以做一些解編那未來就是說主委您對於網營的開放的部分"},{"start":467.779,"end":482.296,"text":"除了你目前所宣示的之外未来在政策辅导上法规的松绑上您还有什么样的不同的做法我们可以期待我想就是当时我们开放这个网络金融包括我们即将开放的"},{"start":483.157,"end":497.902,"text":"那個數位保險公司都一樣我們是支持這個數位金融因為市場上需要多元化 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