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294.473, \"end\": 294.733, \"score\": 0.744}, {\"word\": \"跟\", \"start\": 294.733, \"end\": 294.933, \"score\": 0.723}, {\"word\": \"样\", \"start\": 294.933, \"end\": 295.073, \"score\": 0.891}, {\"word\": \"态\", \"start\": 295.073, \"end\": 295.093, \"score\": 0.0}]}, {\"start\": 296.174, \"end\": 312.299, \"text\": \"那這個部分寶帕中心正在思考當中也在精密計算當中但是如何讓大家都能夠使用其實我認為非常的困難就像你做一件衣服要符合今天在場的所有的人這個其實困難度是非常高的\", \"words\": [{\"word\": \"那\", \"start\": 296.174, \"end\": 297.154, \"score\": 0.957}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"部\", \"start\": 297.154, \"end\": 297.434, \"score\": 0.999}, {\"word\": \"分\", \"start\": 297.434, \"end\": 298.135, \"score\": 0.966}, {\"word\": \"寶\"}, {\"word\": \"帕\", \"start\": 298.135, \"end\": 298.295, \"score\": 0.885}, {\"word\": \"中\", \"start\": 298.295, \"end\": 298.515, \"score\": 0.997}, {\"word\": \"心\", \"start\": 298.515, \"end\": 298.735, \"score\": 1.0}, {\"word\": \"正\", \"start\": 298.735, \"end\": 298.915, \"score\": 0.894}, 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\"應該是第一個報表日應該是6月30號明天6月30號政治的報表應該是明年的12月30號所以真正的會到後年所以是那個時間不會是各位看到那麼緊迫只是應該講為什麼我們一定要把這個制度很周延就剛才委員提到了這個複雜的程度超乎我們當時的想像因為各家狀況不一樣而且這套制度複雜程度跟過去的方法論完全不同所以我想這要兼顧各家的差異又要能夠穩健過渡又有這個\", \"words\": [{\"word\": \"應\"}, {\"word\": \"該\"}, {\"word\": \"是\", \"start\": 330.878, \"end\": 332.078, \"score\": 0.996}, {\"word\": \"第\", \"start\": 332.078, \"end\": 332.178, \"score\": 0.999}, {\"word\": \"一\", \"start\": 332.178, \"end\": 332.558, \"score\": 0.893}, {\"word\": \"個\"}, {\"word\": \"報\"}, {\"word\": \"表\", \"start\": 332.558, \"end\": 332.778, \"score\": 0.992}, {\"word\": \"日\", \"start\": 332.778, \"end\": 333.179, \"score\": 0.847}, {\"word\": \"應\"}, {\"word\": \"該\"}, {\"word\": \"是\", \"start\": 333.179, \"end\": 333.299, \"score\": 0.852}, {\"word\": \"6\"}, {\"word\": \"月\", \"start\": 333.299, \"end\": 333.999, \"score\": 0.862}, {\"word\": \"3\"}, {\"word\": \"0\"}, {\"word\": \"號\"}, {\"word\": \"明\", \"start\": 333.999, \"end\": 334.119, \"score\": 0.995}, {\"word\": \"天\", 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482.597, \"end\": 482.677, \"score\": 0.972}, {\"word\": \"辦\"}, {\"word\": \"法\", \"start\": 482.677, \"end\": 482.997, \"score\": 0.847}, {\"word\": \"因\", \"start\": 482.997, \"end\": 483.357, \"score\": 0.875}, {\"word\": \"應\"}, {\"word\": \"環\"}, {\"word\": \"境\", \"start\": 483.357, \"end\": 483.537, \"score\": 0.993}, {\"word\": \"波\", \"start\": 483.537, \"end\": 483.877, \"score\": 0.902}, {\"word\": \"動\"}, {\"word\": \"的\", \"start\": 483.877, \"end\": 483.997, \"score\": 0.993}, {\"word\": \"一\", \"start\": 483.997, \"end\": 484.737, \"score\": 0.937}, {\"word\": \"個\"}, {\"word\": \"限\", \"start\": 484.737, \"end\": 485.017, \"score\": 0.91}, {\"word\": \"制\", \"start\": 485.017, \"end\": 485.377, \"score\": 0.899}, {\"word\": \"好\", \"start\": 485.377, \"end\": 485.937, \"score\": 0.891}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"主\", \"start\": 485.937, \"end\": 486.037, \"score\": 0.839}, {\"word\": \"委\", \"start\": 486.037, \"end\": 486.657, \"score\": 0.845}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"委\", \"start\": 486.657, \"end\": 487.217, \"score\": 0.858}, {\"word\": \"員\"}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"主\", \"start\": 487.217, \"end\": 487.737, \"score\": 0.878}, {\"word\": \"席\", \"start\": 487.737, \"end\": 488.078, \"score\": 0.881}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"林\", \"start\": 488.078, \"end\": 488.198, \"score\": 0.863}, {\"word\": \"委\", \"start\": 488.198, \"end\": 488.618, \"score\": 0.935}, {\"word\": \"員\"}, {\"word\": \"接\", \"start\": 488.618, \"end\": 488.738, \"score\": 0.868}, {\"word\": \"下\", \"start\": 488.738, \"end\": 488.858, \"score\": 0.832}, {\"word\": \"來\"}, {\"word\": \"我\", \"start\": 488.858, \"end\": 489.478, \"score\": 0.858}, {\"word\": \"們\"}, {\"word\": \"請\"}, {\"word\": \"邱\", \"start\": 489.478, \"end\": 489.758, \"score\": 0.942}, {\"word\": \"志\", \"start\": 489.758, \"end\": 489.918, \"score\": 0.873}, {\"word\": \"維\"}, {\"word\": \"委\", \"start\": 489.918, \"end\": 489.938, \"score\": 0.31}, {\"word\": \"員\"}], \"language\": \"zh\"}","srt":"1\n00:00:02,308 --> 00:00:05,726\n謝謝主席主席辛苦了邀請金管會彭主委我們請彭主委\n\n2\n00:00:08,530 --> 00:00:31,864\n委員好主委午安這個因為我現在已經是外委會的委員所以比較後面才能質詢你所以前面幾個我原本準備的題目前面的委員大概都已經垂詢了所以我也不太想浪費您的時間那麼就是有關於這個詐騙然後因為這個警示賬戶的問題您今天也都回答得非常多了只是我覺得有沒有一個作業上面的SOP真的可以簡化這個\n\n3\n00:00:32,785 --> 00:01:01,476\n整個的流程讓民眾的困擾可以降低所以我想要問的就是像這樣的所謂疑似不法我們現在判斷標準有沒有什麼方式真的可以更明確讓第一線的銀行的不論是國營或是民營他們在製作這樣的所謂因為一方面又要幫打詐把關那麼一方面真的如果出現狀況像我前幾天還看到那個新聞真的就是第一線的銀行行員說老太太你要匯三千六百塊喔不是他要匯三千六百萬\n\n4\n00:01:02,076 --> 00:01:16,228\n他打死就是非要匯出去不可那像這種狀況底下減少避免爭議甚至於擾民的狀況到底這樣的標準可不可以更明確而怎麼樣制定的更明確是不是有一個可以遵守的守則其實我們現在已經\n\n5\n00:01:17,729 --> 00:01:40,728\n因為剛剛委員提到我們才剛剛成立我們知道這個打詐整合的重要性我們請銀行公會趕快成立一個已經成立了這個打詐委員會我們就希望大家比如剛剛委員提到共通性的東西大家先互相照會這樣明確但是我們不會對外公佈這東西不能對外公佈因為只要我們SOP這樣子就會變成一個樣態可以讓所謂犯罪集團或詐騙集團來模仿\n\n6\n00:01:42,729 --> 00:02:10,494\n對就是說我們怎麼做這件事情我們可以透過訊息的這個傳遞但是不對外說明因為為什麼那這樣的東西可以多快能夠達到這樣的準則上面可以更明確然後如果真的發生了這樣的狀態比如說我坦白說我們在社群媒體上是很容易就被民眾tag我們點名我們然後要我們來處理但是我們不認為這個是一個正確的做法它應該要有另外一個\n\n7\n00:02:11,894 --> 00:02:32,925\n合理的管道可以來做申訴那有沒有可能建立這樣的機制其實他本來就是我們現在要求銀行他一定要提供那個專線還有這些專人來服務這些比如因為被鎖控產生衍生的爭議剛才有文提到電話不好打我們會再去了解那至於說剛才那個標準的部分那是持續滾動的狀態隨時會有新的我們會透過那個這個\n\n8\n00:02:36,807 --> 00:02:50,295\n所以已經成立而且這個樣態上面的模組是可以怎麼樣叫疑似然後怎麼樣是可以解開的這個會滾動的每天或者是多久會做一次處理\n\n9\n00:02:51,140 --> 00:03:17,143\n因為我們委員會的部分它有一定但是它這個運作就在持續在運作中好那麼剛剛提到的就是電話不好打我自己本人也有這樣的經驗我真的打進去所以我建議像現在都有所謂的AI甚至於有其他的透過線上的方式可以處理的部分是不是也可以建議銀行或是銀行公會這裡也可以讓業者們可以加入我覺得這也是不失為一個解套的方法\n\n10\n00:03:17,683 --> 00:03:34,822\n對提高效率提高服務的品質這我們一定會來要求但是這邊也稍微提一下就是很多民眾可能不理解他被鎖空可能有兩個原因一個是因為他是被檢調所鎖的警示帳戶這個銀行是沒辦法幫你解的是就在調查單位那裡對那個是要\n\n11\n00:03:37,205 --> 00:03:55,418\n要回到源頭去那個解很多民眾可能以為說我跟銀行講這是為受害者那通關銀行也無能為力倒是剛才委員講的應該是指他自行鎖控根據打詐專法第八條自行鎖控部分不夠精準所導致的這些問題他們就要好好來處理這件問題\n\n12\n00:03:56,909 --> 00:04:10,281\n好了解所以這個部分其實是全民最關心的另外一個當然我關心的就是我們剛剛前面也有很多委員在談到就是剩下不到三個月的時間那麼到底現在的\n\n13\n00:04:11,564 --> 00:04:35,473\nICS給予的所謂的監理寬容的這個部分我其實比較想要問的是剩下的時間這麼的短而它又是一個整體浮動的狀況的時候每一個受險業者他們自己本身的狀況不一樣當每一個人都要達到新規的100%的時候剛剛主委也講了可能就是明天後天或者是本週這個規定將出來\n\n14\n00:04:37,634 --> 00:04:55,093\n可是就算是明天后天也是将近十月底了那么距离接下来的到明年的时间也不到两个月那么如何让所有的人都可以齐步走而且能够在这个规定上面符合每一家受险业者的状态跟样态\n\n15\n00:04:56,174 --> 00:05:12,299\n那這個部分寶帕中心正在思考當中也在精密計算當中但是如何讓大家都能夠使用其實我認為非常的困難就像你做一件衣服要符合今天在場的所有的人這個其實困難度是非常高的\n\n16\n00:05:14,560 --> 00:05:29,357\n這個文非常清楚我們為了這個專案我親自主持會議應該超過50場從我上任開始不斷每週每週這樣開會我的意思是說剛才各位可能會覺得只剩一兩個月但是各位知道我們接軌1月1號真正那個報表會出來\n\n17\n00:05:30,878 --> 00:05:59,184\n應該是第一個報表日應該是6月30號明天6月30號政治的報表應該是明年的12月30號所以真正的會到後年所以是那個時間不會是各位看到那麼緊迫只是應該講為什麼我們一定要把這個制度很周延就剛才委員提到了這個複雜的程度超乎我們當時的想像因為各家狀況不一樣而且這套制度複雜程度跟過去的方法論完全不同所以我想這要兼顧各家的差異又要能夠穩健過渡又有這個\n\n18\n00:06:00,632 --> 00:06:23,019\n最近半年的政經情勢的波動那這些確實是為什麼我們要在這個花這麼多時間會在最近一兩天公佈就是因為我們真的希望盡量的周延作為讓我們的所有的受險業能夠平穩的我不喜歡稱為叫做寬容它這個過渡措施是希望我們的受險業往更好方向爬樓梯的過程\n\n19\n00:06:23,399 --> 00:06:30,567\n好那我最後因為主席站起來我只問一個點那就是就像我剛剛特別提到的因為每一家受險業者的狀況不一樣的時候他們各自遭遇到了問題了然後他們如何去做回饋包括您剛剛講的嘛開的會議也不只超過50場\n\n20\n00:06:40,618 --> 00:07:00,956\n是跟百發中心跟金管會還是如何讓他們的問題可以在整個會計呈現當中更精準的時候大家都不一樣的時候那這樣的溝通過程該怎麼處理我們當然是這個制度是要業者來做的這個溝通絕對不可少但是政策的制定呢是我們來決定\n\n21\n00:07:02,177 --> 00:07:25,082\n當然是我們要負責這個政策因為各家的需求不同我們要整合他們的意見本來就花很大的功夫我們也是在這個過程中一步一驅的跟他們進行溝通好所以言下之意就是這兩天公佈之後接下來到明年的第一次的報表出來的時候反而是啟動溝通甚至於在這樣的規定當中可以有調整的機制\n\n22\n00:07:25,462 --> 00:07:41,716\n其實我們也有跟社運公會溝通說因為因應這個情況請社運公會能夠籌組個專業的接軌委員會他們也同意朝這個這就是一個很好的一個這是一個未來是十幾二十年的過程一定要有一個專業的對口好所以結論就是\n\n23\n00:07:44,193 --> 00:08:09,938\n這個規則出來之後它其實是有修正甚至於調整的空間在那裡而不是一個死板板的規定就在那裡資本監理是非常有彈性會因應的所有的狀況我想看國外也都是這樣因為它的目的是要讓產業更好而不是成為一個變成是一個不可動沒有辦法因應環境波動的一個限制好謝謝主委謝謝委員謝謝主席謝謝林委員接下來我們請邱志維委員\n\n","tsv":"start\tend\ttext\n2308\t5726\t謝謝主席 主席辛苦了 邀請金管會彭主委我們請彭主委\n8530\t31864\t委員好主委午安這個因為我現在已經是外委會的委員所以比較後面才能質詢你所以前面幾個我原本準備的題目前面的委員大概都已經垂詢了所以我也不太想浪費您的時間那麼就是有關於這個詐騙然後因為這個警示賬戶的問題您今天也都回答得非常多了只是我覺得有沒有一個作業上面的SOP真的可以簡化這個\n32785\t61476\t整個的流程讓民眾的困擾可以降低所以我想要問的就是像這樣的所謂疑似不法我們現在判斷標準有沒有什麼方式真的可以更明確讓第一線的銀行的不論是國營或是民營他們在製作這樣的所謂因為一方面又要幫打詐把關那麼一方面真的如果出現狀況像我前幾天還看到那個新聞真的就是第一線的銀行行員說老太太你要匯三千六百塊喔不是他要匯三千六百萬\n62076\t76228\t他打死就是非要匯出去不可那像這種狀況底下減少避免爭議甚至於擾民的狀況到底這樣的標準可不可以更明確而怎麼樣制定的更明確是不是有一個可以遵守的守則其實我們現在已經\n77729\t100728\t因為剛剛委員提到我們才剛剛成立我們知道這個打詐整合的重要性我們請銀行公會趕快成立一個已經成立了這個打詐委員會我們就希望大家比如剛剛委員提到共通性的東西大家先互相照會這樣明確但是我們不會對外公佈這東西不能對外公佈因為只要我們SOP這樣子就會變成一個樣態可以讓所謂犯罪集團或詐騙集團來模仿\n102729\t130494\t對就是說我們怎麼做這件事情我們可以透過訊息的這個傳遞但是不對外說明因為為什麼那這樣的東西可以多快能夠達到這樣的準則上面可以更明確然後如果真的發生了這樣的狀態比如說我坦白說我們在社群媒體上是很容易就被民眾tag我們點名我們然後要我們來處理但是我們不認為這個是一個正確的做法它應該要有另外一個\n131894\t152925\t合理的管道可以來做申訴那有沒有可能建立這樣的機制其實他本來就是我們現在要求銀行他一定要提供那個專線還有這些專人來服務這些比如因為被鎖控產生衍生的爭議剛才有文提到電話不好打我們會再去了解那至於說剛才那個標準的部分那是持續滾動的狀態隨時會有新的我們會透過那個這個\n156807\t170295\t所以已經成立而且這個樣態上面的模組是可以怎麼樣叫疑似然後怎麼樣是可以解開的這個會滾動的每天或者是多久會做一次處理\n171140\t197143\t因為我們委員會的部分它有一定但是它這個運作就在持續在運作中好 那麼剛剛提到的就是電話不好打我自己本人也有這樣的經驗我真的打進去所以我建議像現在都有所謂的AI甚至於有其他的透過線上的方式可以處理的部分是不是也可以建議銀行或是銀行公會這裡也可以讓業者們可以加入我覺得這也是不失為一個解套的方法\n197683\t214822\t對 提高效率 提高服務的品質這我們一定會來要求但是這邊也稍微提一下就是很多民眾可能不理解他被鎖空可能有兩個原因一個是因為他是被檢調所鎖的警示帳戶這個銀行是沒辦法幫你解的是 就在調查單位那裡對 那個是要\n217205\t235418\t要回到源頭去那個解很多民眾可能以為說我跟銀行講這是為受害者那通關銀行也無能為力倒是剛才委員講的應該是指他自行鎖控根據打詐專法第八條自行鎖控部分不夠精準所導致的這些問題他們就要好好來處理這件問題\n236909\t250281\t好 了解所以這個部分其實是全民最關心的另外一個當然我關心的就是我們剛剛前面也有很多委員在談到就是剩下不到三個月的時間那麼到底現在的\n251564\t275473\tICS給予的所謂的監理寬容的這個部分我其實比較想要問的是剩下的時間這麼的短而它又是一個整體浮動的狀況的時候每一個受險業者他們自己本身的狀況不一樣當每一個人都要達到新規的100%的時候剛剛主委也講了可能就是明天後天或者是本週這個規定將出來\n277634\t295093\t可是就算是明天后天也是将近十月底了那么距离接下来的到明年的时间也不到两个月那么如何让所有的人都可以齐步走而且能够在这个规定上面符合每一家受险业者的状态跟样态\n296174\t312299\t那這個部分寶帕中心正在思考當中也在精密計算當中但是如何讓大家都能夠使用其實我認為非常的困難就像你做一件衣服要符合今天在場的所有的人這個其實困難度是非常高的\n314560\t329357\t這個文非常清楚我們為了這個專案我親自主持會議應該超過50場從我上任開始不斷每週每週這樣開會我的意思是說剛才各位可能會覺得只剩一兩個月但是各位知道我們接軌1月1號真正那個報表會出來\n330878\t359184\t應該是第一個報表日應該是6月30號明天6月30號政治的報表應該是明年的12月30號所以真正的會到後年所以是那個時間不會是各位看到那麼緊迫只是應該講為什麼我們一定要把這個制度很周延就剛才委員提到了這個複雜的程度超乎我們當時的想像因為各家狀況不一樣而且這套制度複雜程度跟過去的方法論完全不同所以我想這要兼顧各家的差異又要能夠穩健過渡又有這個\n360632\t383019\t最近半年的政經情勢的波動那這些確實是為什麼我們要在這個花這麼多時間會在最近一兩天公佈就是因為我們真的希望盡量的周延作為讓我們的所有的受險業能夠平穩的我不喜歡稱為叫做寬容它這個過渡措施是希望我們的受險業往更好方向爬樓梯的過程\n383399\t390567\t好那我最後因為主席站起來我只問一個點那就是就像我剛剛特別提到的因為每一家受險業者的狀況不一樣的時候他們各自遭遇到了問題了然後他們如何去做回饋包括您剛剛講的嘛開的會議也不只超過50場\n400618\t420956\t是跟百發中心跟金管會還是如何讓他們的問題可以在整個會計呈現當中更精準的時候大家都不一樣的時候那這樣的溝通過程該怎麼處理我們當然是這個制度是要業者來做的這個溝通絕對不可少但是政策的制定呢是我們來決定\n422177\t445082\t當然是我們要負責這個政策因為各家的需求不同我們要整合他們的意見本來就花很大的功夫我們也是在這個過程中一步一驅的跟他們進行溝通好 所以言下之意就是這兩天公佈之後接下來到明年的第一次的報表出來的時候反而是啟動溝通甚至於在這樣的規定當中可以有調整的機制\n445462\t461716\t其實我們也有跟社運公會溝通說因為因應這個情況請社運公會能夠籌組個專業的接軌委員會他們也同意朝這個這就是一個很好的一個這是一個未來是十幾二十年的過程一定要有一個專業的對口好 所以結論就是\n464193\t489938\t這個規則出來之後它其實是有修正甚至於調整的空間在那裡而不是一個死板板的規定就在那裡資本監理是非常有彈性會因應的所有的狀況我想看國外也都是這樣因為它的目的是要讓產業更好而不是成為一個變成是一個不可動沒有辦法因應環境波動的一個限制好 謝謝主委謝謝委員謝謝主席謝謝林委員接下來我們請邱志維委員\n","txt":"謝謝主席 主席辛苦了 邀請金管會彭主委我們請彭主委\n委員好主委午安這個因為我現在已經是外委會的委員所以比較後面才能質詢你所以前面幾個我原本準備的題目前面的委員大概都已經垂詢了所以我也不太想浪費您的時間那麼就是有關於這個詐騙然後因為這個警示賬戶的問題您今天也都回答得非常多了只是我覺得有沒有一個作業上面的SOP真的可以簡化這個\n整個的流程讓民眾的困擾可以降低所以我想要問的就是像這樣的所謂疑似不法我們現在判斷標準有沒有什麼方式真的可以更明確讓第一線的銀行的不論是國營或是民營他們在製作這樣的所謂因為一方面又要幫打詐把關那麼一方面真的如果出現狀況像我前幾天還看到那個新聞真的就是第一線的銀行行員說老太太你要匯三千六百塊喔不是他要匯三千六百萬\n他打死就是非要匯出去不可那像這種狀況底下減少避免爭議甚至於擾民的狀況到底這樣的標準可不可以更明確而怎麼樣制定的更明確是不是有一個可以遵守的守則其實我們現在已經\n因為剛剛委員提到我們才剛剛成立我們知道這個打詐整合的重要性我們請銀行公會趕快成立一個已經成立了這個打詐委員會我們就希望大家比如剛剛委員提到共通性的東西大家先互相照會這樣明確但是我們不會對外公佈這東西不能對外公佈因為只要我們SOP這樣子就會變成一個樣態可以讓所謂犯罪集團或詐騙集團來模仿\n對就是說我們怎麼做這件事情我們可以透過訊息的這個傳遞但是不對外說明因為為什麼那這樣的東西可以多快能夠達到這樣的準則上面可以更明確然後如果真的發生了這樣的狀態比如說我坦白說我們在社群媒體上是很容易就被民眾tag我們點名我們然後要我們來處理但是我們不認為這個是一個正確的做法它應該要有另外一個\n合理的管道可以來做申訴那有沒有可能建立這樣的機制其實他本來就是我們現在要求銀行他一定要提供那個專線還有這些專人來服務這些比如因為被鎖控產生衍生的爭議剛才有文提到電話不好打我們會再去了解那至於說剛才那個標準的部分那是持續滾動的狀態隨時會有新的我們會透過那個這個\n所以已經成立而且這個樣態上面的模組是可以怎麼樣叫疑似然後怎麼樣是可以解開的這個會滾動的每天或者是多久會做一次處理\n因為我們委員會的部分它有一定但是它這個運作就在持續在運作中好 那麼剛剛提到的就是電話不好打我自己本人也有這樣的經驗我真的打進去所以我建議像現在都有所謂的AI甚至於有其他的透過線上的方式可以處理的部分是不是也可以建議銀行或是銀行公會這裡也可以讓業者們可以加入我覺得這也是不失為一個解套的方法\n對 提高效率 提高服務的品質這我們一定會來要求但是這邊也稍微提一下就是很多民眾可能不理解他被鎖空可能有兩個原因一個是因為他是被檢調所鎖的警示帳戶這個銀行是沒辦法幫你解的是 就在調查單位那裡對 那個是要\n要回到源頭去那個解很多民眾可能以為說我跟銀行講這是為受害者那通關銀行也無能為力倒是剛才委員講的應該是指他自行鎖控根據打詐專法第八條自行鎖控部分不夠精準所導致的這些問題他們就要好好來處理這件問題\n好 了解所以這個部分其實是全民最關心的另外一個當然我關心的就是我們剛剛前面也有很多委員在談到就是剩下不到三個月的時間那麼到底現在的\nICS給予的所謂的監理寬容的這個部分我其實比較想要問的是剩下的時間這麼的短而它又是一個整體浮動的狀況的時候每一個受險業者他們自己本身的狀況不一樣當每一個人都要達到新規的100%的時候剛剛主委也講了可能就是明天後天或者是本週這個規定將出來\n可是就算是明天后天也是将近十月底了那么距离接下来的到明年的时间也不到两个月那么如何让所有的人都可以齐步走而且能够在这个规定上面符合每一家受险业者的状态跟样态\n那這個部分寶帕中心正在思考當中也在精密計算當中但是如何讓大家都能夠使用其實我認為非常的困難就像你做一件衣服要符合今天在場的所有的人這個其實困難度是非常高的\n這個文非常清楚我們為了這個專案我親自主持會議應該超過50場從我上任開始不斷每週每週這樣開會我的意思是說剛才各位可能會覺得只剩一兩個月但是各位知道我們接軌1月1號真正那個報表會出來\n應該是第一個報表日應該是6月30號明天6月30號政治的報表應該是明年的12月30號所以真正的會到後年所以是那個時間不會是各位看到那麼緊迫只是應該講為什麼我們一定要把這個制度很周延就剛才委員提到了這個複雜的程度超乎我們當時的想像因為各家狀況不一樣而且這套制度複雜程度跟過去的方法論完全不同所以我想這要兼顧各家的差異又要能夠穩健過渡又有這個\n最近半年的政經情勢的波動那這些確實是為什麼我們要在這個花這麼多時間會在最近一兩天公佈就是因為我們真的希望盡量的周延作為讓我們的所有的受險業能夠平穩的我不喜歡稱為叫做寬容它這個過渡措施是希望我們的受險業往更好方向爬樓梯的過程\n好那我最後因為主席站起來我只問一個點那就是就像我剛剛特別提到的因為每一家受險業者的狀況不一樣的時候他們各自遭遇到了問題了然後他們如何去做回饋包括您剛剛講的嘛開的會議也不只超過50場\n是跟百發中心跟金管會還是如何讓他們的問題可以在整個會計呈現當中更精準的時候大家都不一樣的時候那這樣的溝通過程該怎麼處理我們當然是這個制度是要業者來做的這個溝通絕對不可少但是政策的制定呢是我們來決定\n當然是我們要負責這個政策因為各家的需求不同我們要整合他們的意見本來就花很大的功夫我們也是在這個過程中一步一驅的跟他們進行溝通好 所以言下之意就是這兩天公佈之後接下來到明年的第一次的報表出來的時候反而是啟動溝通甚至於在這樣的規定當中可以有調整的機制\n其實我們也有跟社運公會溝通說因為因應這個情況請社運公會能夠籌組個專業的接軌委員會他們也同意朝這個這就是一個很好的一個這是一個未來是十幾二十年的過程一定要有一個專業的對口好 所以結論就是\n這個規則出來之後它其實是有修正甚至於調整的空間在那裡而不是一個死板板的規定就在那裡資本監理是非常有彈性會因應的所有的狀況我想看國外也都是這樣因為它的目的是要讓產業更好而不是成為一個變成是一個不可動沒有辦法因應環境波動的一個限制好 謝謝主委謝謝委員謝謝主席謝謝林委員接下來我們請邱志維委員\n","vtt":"WEBVTT\n\n00:02.308 --> 00:05.726\n謝謝主席主席辛苦了邀請金管會彭主委我們請彭主委\n\n00:08.530 --> 00:31.864\n委員好主委午安這個因為我現在已經是外委會的委員所以比較後面才能質詢你所以前面幾個我原本準備的題目前面的委員大概都已經垂詢了所以我也不太想浪費您的時間那麼就是有關於這個詐騙然後因為這個警示賬戶的問題您今天也都回答得非常多了只是我覺得有沒有一個作業上面的SOP真的可以簡化這個\n\n00:32.785 --> 01:01.476\n整個的流程讓民眾的困擾可以降低所以我想要問的就是像這樣的所謂疑似不法我們現在判斷標準有沒有什麼方式真的可以更明確讓第一線的銀行的不論是國營或是民營他們在製作這樣的所謂因為一方面又要幫打詐把關那麼一方面真的如果出現狀況像我前幾天還看到那個新聞真的就是第一線的銀行行員說老太太你要匯三千六百塊喔不是他要匯三千六百萬\n\n01:02.076 --> 01:16.228\n他打死就是非要匯出去不可那像這種狀況底下減少避免爭議甚至於擾民的狀況到底這樣的標準可不可以更明確而怎麼樣制定的更明確是不是有一個可以遵守的守則其實我們現在已經\n\n01:17.729 --> 01:40.728\n因為剛剛委員提到我們才剛剛成立我們知道這個打詐整合的重要性我們請銀行公會趕快成立一個已經成立了這個打詐委員會我們就希望大家比如剛剛委員提到共通性的東西大家先互相照會這樣明確但是我們不會對外公佈這東西不能對外公佈因為只要我們SOP這樣子就會變成一個樣態可以讓所謂犯罪集團或詐騙集團來模仿\n\n01:42.729 --> 02:10.494\n對就是說我們怎麼做這件事情我們可以透過訊息的這個傳遞但是不對外說明因為為什麼那這樣的東西可以多快能夠達到這樣的準則上面可以更明確然後如果真的發生了這樣的狀態比如說我坦白說我們在社群媒體上是很容易就被民眾tag我們點名我們然後要我們來處理但是我們不認為這個是一個正確的做法它應該要有另外一個\n\n02:11.894 --> 02:32.925\n合理的管道可以來做申訴那有沒有可能建立這樣的機制其實他本來就是我們現在要求銀行他一定要提供那個專線還有這些專人來服務這些比如因為被鎖控產生衍生的爭議剛才有文提到電話不好打我們會再去了解那至於說剛才那個標準的部分那是持續滾動的狀態隨時會有新的我們會透過那個這個\n\n02:36.807 --> 02:50.295\n所以已經成立而且這個樣態上面的模組是可以怎麼樣叫疑似然後怎麼樣是可以解開的這個會滾動的每天或者是多久會做一次處理\n\n02:51.140 --> 03:17.143\n因為我們委員會的部分它有一定但是它這個運作就在持續在運作中好那麼剛剛提到的就是電話不好打我自己本人也有這樣的經驗我真的打進去所以我建議像現在都有所謂的AI甚至於有其他的透過線上的方式可以處理的部分是不是也可以建議銀行或是銀行公會這裡也可以讓業者們可以加入我覺得這也是不失為一個解套的方法\n\n03:17.683 --> 03:34.822\n對提高效率提高服務的品質這我們一定會來要求但是這邊也稍微提一下就是很多民眾可能不理解他被鎖空可能有兩個原因一個是因為他是被檢調所鎖的警示帳戶這個銀行是沒辦法幫你解的是就在調查單位那裡對那個是要\n\n03:37.205 --> 03:55.418\n要回到源頭去那個解很多民眾可能以為說我跟銀行講這是為受害者那通關銀行也無能為力倒是剛才委員講的應該是指他自行鎖控根據打詐專法第八條自行鎖控部分不夠精準所導致的這些問題他們就要好好來處理這件問題\n\n03:56.909 --> 04:10.281\n好了解所以這個部分其實是全民最關心的另外一個當然我關心的就是我們剛剛前面也有很多委員在談到就是剩下不到三個月的時間那麼到底現在的\n\n04:11.564 --> 04:35.473\nICS給予的所謂的監理寬容的這個部分我其實比較想要問的是剩下的時間這麼的短而它又是一個整體浮動的狀況的時候每一個受險業者他們自己本身的狀況不一樣當每一個人都要達到新規的100%的時候剛剛主委也講了可能就是明天後天或者是本週這個規定將出來\n\n04:37.634 --> 04:55.093\n可是就算是明天后天也是将近十月底了那么距离接下来的到明年的时间也不到两个月那么如何让所有的人都可以齐步走而且能够在这个规定上面符合每一家受险业者的状态跟样态\n\n04:56.174 --> 05:12.299\n那這個部分寶帕中心正在思考當中也在精密計算當中但是如何讓大家都能夠使用其實我認為非常的困難就像你做一件衣服要符合今天在場的所有的人這個其實困難度是非常高的\n\n05:14.560 --> 05:29.357\n這個文非常清楚我們為了這個專案我親自主持會議應該超過50場從我上任開始不斷每週每週這樣開會我的意思是說剛才各位可能會覺得只剩一兩個月但是各位知道我們接軌1月1號真正那個報表會出來\n\n05:30.878 --> 05:59.184\n應該是第一個報表日應該是6月30號明天6月30號政治的報表應該是明年的12月30號所以真正的會到後年所以是那個時間不會是各位看到那麼緊迫只是應該講為什麼我們一定要把這個制度很周延就剛才委員提到了這個複雜的程度超乎我們當時的想像因為各家狀況不一樣而且這套制度複雜程度跟過去的方法論完全不同所以我想這要兼顧各家的差異又要能夠穩健過渡又有這個\n\n06:00.632 --> 06:23.019\n最近半年的政經情勢的波動那這些確實是為什麼我們要在這個花這麼多時間會在最近一兩天公佈就是因為我們真的希望盡量的周延作為讓我們的所有的受險業能夠平穩的我不喜歡稱為叫做寬容它這個過渡措施是希望我們的受險業往更好方向爬樓梯的過程\n\n06:23.399 --> 06:30.567\n好那我最後因為主席站起來我只問一個點那就是就像我剛剛特別提到的因為每一家受險業者的狀況不一樣的時候他們各自遭遇到了問題了然後他們如何去做回饋包括您剛剛講的嘛開的會議也不只超過50場\n\n06:40.618 --> 07:00.956\n是跟百發中心跟金管會還是如何讓他們的問題可以在整個會計呈現當中更精準的時候大家都不一樣的時候那這樣的溝通過程該怎麼處理我們當然是這個制度是要業者來做的這個溝通絕對不可少但是政策的制定呢是我們來決定\n\n07:02.177 --> 07:25.082\n當然是我們要負責這個政策因為各家的需求不同我們要整合他們的意見本來就花很大的功夫我們也是在這個過程中一步一驅的跟他們進行溝通好所以言下之意就是這兩天公佈之後接下來到明年的第一次的報表出來的時候反而是啟動溝通甚至於在這樣的規定當中可以有調整的機制\n\n07:25.462 --> 07:41.716\n其實我們也有跟社運公會溝通說因為因應這個情況請社運公會能夠籌組個專業的接軌委員會他們也同意朝這個這就是一個很好的一個這是一個未來是十幾二十年的過程一定要有一個專業的對口好所以結論就是\n\n07:44.193 --> 08:09.938\n這個規則出來之後它其實是有修正甚至於調整的空間在那裡而不是一個死板板的規定就在那裡資本監理是非常有彈性會因應的所有的狀況我想看國外也都是這樣因為它的目的是要讓產業更好而不是成為一個變成是一個不可動沒有辦法因應環境波動的一個限制好謝謝主委謝謝委員謝謝主席謝謝林委員接下來我們請邱志維委員\n\n","segments":[{"start":2.308,"end":5.726,"text":"謝謝主席 主席辛苦了 邀請金管會彭主委我們請彭主委"},{"start":8.53,"end":31.864,"text":"委員好主委午安這個因為我現在已經是外委會的委員所以比較後面才能質詢你所以前面幾個我原本準備的題目前面的委員大概都已經垂詢了所以我也不太想浪費您的時間那麼就是有關於這個詐騙然後因為這個警示賬戶的問題您今天也都回答得非常多了只是我覺得有沒有一個作業上面的SOP真的可以簡化這個"},{"start":32.785,"end":61.476,"text":"整個的流程讓民眾的困擾可以降低所以我想要問的就是像這樣的所謂疑似不法我們現在判斷標準有沒有什麼方式真的可以更明確讓第一線的銀行的不論是國營或是民營他們在製作這樣的所謂因為一方面又要幫打詐把關那麼一方面真的如果出現狀況像我前幾天還看到那個新聞真的就是第一線的銀行行員說老太太你要匯三千六百塊喔不是他要匯三千六百萬"},{"start":62.076,"end":76.228,"text":"他打死就是非要匯出去不可那像這種狀況底下減少避免爭議甚至於擾民的狀況到底這樣的標準可不可以更明確而怎麼樣制定的更明確是不是有一個可以遵守的守則其實我們現在已經"},{"start":77.729,"end":100.728,"text":"因為剛剛委員提到我們才剛剛成立我們知道這個打詐整合的重要性我們請銀行公會趕快成立一個已經成立了這個打詐委員會我們就希望大家比如剛剛委員提到共通性的東西大家先互相照會這樣明確但是我們不會對外公佈這東西不能對外公佈因為只要我們SOP這樣子就會變成一個樣態可以讓所謂犯罪集團或詐騙集團來模仿"},{"start":102.729,"end":130.494,"text":"對就是說我們怎麼做這件事情我們可以透過訊息的這個傳遞但是不對外說明因為為什麼那這樣的東西可以多快能夠達到這樣的準則上面可以更明確然後如果真的發生了這樣的狀態比如說我坦白說我們在社群媒體上是很容易就被民眾tag我們點名我們然後要我們來處理但是我們不認為這個是一個正確的做法它應該要有另外一個"},{"start":131.894,"end":152.925,"text":"合理的管道可以來做申訴那有沒有可能建立這樣的機制其實他本來就是我們現在要求銀行他一定要提供那個專線還有這些專人來服務這些比如因為被鎖控產生衍生的爭議剛才有文提到電話不好打我們會再去了解那至於說剛才那個標準的部分那是持續滾動的狀態隨時會有新的我們會透過那個這個"},{"start":156.807,"end":170.295,"text":"所以已經成立而且這個樣態上面的模組是可以怎麼樣叫疑似然後怎麼樣是可以解開的這個會滾動的每天或者是多久會做一次處理"},{"start":171.14,"end":197.143,"text":"因為我們委員會的部分它有一定但是它這個運作就在持續在運作中好 那麼剛剛提到的就是電話不好打我自己本人也有這樣的經驗我真的打進去所以我建議像現在都有所謂的AI甚至於有其他的透過線上的方式可以處理的部分是不是也可以建議銀行或是銀行公會這裡也可以讓業者們可以加入我覺得這也是不失為一個解套的方法"},{"start":197.683,"end":214.822,"text":"對 提高效率 提高服務的品質這我們一定會來要求但是這邊也稍微提一下就是很多民眾可能不理解他被鎖空可能有兩個原因一個是因為他是被檢調所鎖的警示帳戶這個銀行是沒辦法幫你解的是 就在調查單位那裡對 那個是要"},{"start":217.205,"end":235.418,"text":"要回到源頭去那個解很多民眾可能以為說我跟銀行講這是為受害者那通關銀行也無能為力倒是剛才委員講的應該是指他自行鎖控根據打詐專法第八條自行鎖控部分不夠精準所導致的這些問題他們就要好好來處理這件問題"},{"start":236.909,"end":250.281,"text":"好 了解所以這個部分其實是全民最關心的另外一個當然我關心的就是我們剛剛前面也有很多委員在談到就是剩下不到三個月的時間那麼到底現在的"},{"start":251.564,"end":275.473,"text":"ICS給予的所謂的監理寬容的這個部分我其實比較想要問的是剩下的時間這麼的短而它又是一個整體浮動的狀況的時候每一個受險業者他們自己本身的狀況不一樣當每一個人都要達到新規的100%的時候剛剛主委也講了可能就是明天後天或者是本週這個規定將出來"},{"start":277.634,"end":295.093,"text":"可是就算是明天后天也是将近十月底了那么距离接下来的到明年的时间也不到两个月那么如何让所有的人都可以齐步走而且能够在这个规定上面符合每一家受险业者的状态跟样态"},{"start":296.174,"end":312.299,"text":"那這個部分寶帕中心正在思考當中也在精密計算當中但是如何讓大家都能夠使用其實我認為非常的困難就像你做一件衣服要符合今天在場的所有的人這個其實困難度是非常高的"},{"start":314.56,"end":329.357,"text":"這個文非常清楚我們為了這個專案我親自主持會議應該超過50場從我上任開始不斷每週每週這樣開會我的意思是說剛才各位可能會覺得只剩一兩個月但是各位知道我們接軌1月1號真正那個報表會出來"},{"start":330.878,"end":359.184,"text":"應該是第一個報表日應該是6月30號明天6月30號政治的報表應該是明年的12月30號所以真正的會到後年所以是那個時間不會是各位看到那麼緊迫只是應該講為什麼我們一定要把這個制度很周延就剛才委員提到了這個複雜的程度超乎我們當時的想像因為各家狀況不一樣而且這套制度複雜程度跟過去的方法論完全不同所以我想這要兼顧各家的差異又要能夠穩健過渡又有這個"},{"start":360.632,"end":383.019,"text":"最近半年的政經情勢的波動那這些確實是為什麼我們要在這個花這麼多時間會在最近一兩天公佈就是因為我們真的希望盡量的周延作為讓我們的所有的受險業能夠平穩的我不喜歡稱為叫做寬容它這個過渡措施是希望我們的受險業往更好方向爬樓梯的過程"},{"start":383.399,"end":390.567,"text":"好那我最後因為主席站起來我只問一個點那就是就像我剛剛特別提到的因為每一家受險業者的狀況不一樣的時候他們各自遭遇到了問題了然後他們如何去做回饋包括您剛剛講的嘛開的會議也不只超過50場"},{"start":400.618,"end":420.956,"text":"是跟百發中心跟金管會還是如何讓他們的問題可以在整個會計呈現當中更精準的時候大家都不一樣的時候那這樣的溝通過程該怎麼處理我們當然是這個制度是要業者來做的這個溝通絕對不可少但是政策的制定呢是我們來決定"},{"start":422.177,"end":445.082,"text":"當然是我們要負責這個政策因為各家的需求不同我們要整合他們的意見本來就花很大的功夫我們也是在這個過程中一步一驅的跟他們進行溝通好 所以言下之意就是這兩天公佈之後接下來到明年的第一次的報表出來的時候反而是啟動溝通甚至於在這樣的規定當中可以有調整的機制"},{"start":445.462,"end":461.716,"text":"其實我們也有跟社運公會溝通說因為因應這個情況請社運公會能夠籌組個專業的接軌委員會他們也同意朝這個這就是一個很好的一個這是一個未來是十幾二十年的過程一定要有一個專業的對口好 所以結論就是"},{"start":464.193,"end":489.938,"text":"這個規則出來之後它其實是有修正甚至於調整的空間在那裡而不是一個死板板的規定就在那裡資本監理是非常有彈性會因應的所有的狀況我想看國外也都是這樣因為它的目的是要讓產業更好而不是成為一個變成是一個不可動沒有辦法因應環境波動的一個限制好 謝謝主委謝謝委員謝謝主席謝謝林委員接下來我們請邱志維委員"}]}}},"gazette":{"lineno":1007,"blocks":[["林委員楚茵：（12時9分）謝謝主席，主席辛苦了，有請金管會彭主委。"],["主席：我們請彭主委。"],["彭主任委員金隆：委員好。"],["林委員楚茵：主委午安。因為我現在已經是外委會的委員，所以比較後面才能質詢你，前面幾個我原本準備的題目前面的委員大概都已經垂詢了，因此我也不太想浪費您的時間。","關於詐騙警示帳戶的問題，您今天也都回答的非常多了，只是我覺得作業上的SOP真的可以簡化整個流程，讓民眾的困擾降低，所以我想要問的是，所謂疑似不法，以現在判斷的標準有沒有什麼方式真的可以更明確讓第一線的銀行，不論是國銀或是民營，他們在製作所謂……因為一方面又要幫打詐把關，一方面如果真的出現狀況，像我前幾天還看到新聞，第一線的銀行行員問「老太太，你要匯3,600塊嗎？」不是，他要匯3,600萬！他打死就是非要匯出去不可，像這種狀況如何減少、避免爭議，甚至於有擾民的狀況，到底這樣的標準可不可以更明確？而怎麼樣制定得更明確，是不是有可以遵守的守則？"],["彭主任委員金隆：剛剛委員提到我們才剛剛成立，我們知道打詐整合的重要性，銀行公會已經成立打詐委員會，希望大家……比如剛剛委員提到共通性的東西大家先互相照會，這很明確，但是我們不會對外公布，這東西不能對外公布，只要我們SOP……"],["林委員楚茵：是，這樣子就會變成一個樣態可以讓所謂犯罪集團或詐騙集團來模仿。"],["彭主任委員金隆：對、對，就是我們的SOP，我們怎麼做這件事情可以透過訊息的傳遞，但是不對外說明，因為這我們有在做。"],["林委員楚茵：這樣的東西多快能夠達到準則上面可以更明確，如果真的發生了這樣的狀態，比如我坦白說，我們在社群媒體上是很容易被民眾tag、點名要我們來處理，但是我們不認為這是正確的作法，他應該要有另外合理的管道可以申訴，有沒有可能建立這樣的機制？"],["彭主任委員金隆：其實我們本來就有要求銀行一定要提供專線還有專人來服務，比如因為被鎖控衍生的爭議，剛剛委員提到電話不好打，我們會再去了解。至於剛剛提到標準的部分，那是持續滾動的狀態，隨時會有新的，我們會透過……"],["林委員楚茵：所以已經成立……"],["彭主任委員金隆：已經在運作了。"],["林委員楚茵：而且樣態上面的模組是可以怎麼樣叫疑似、怎麼樣是可以解開的，這個會滾動的、每天或者是多久會做一次處理？"],["彭主任委員金隆：因為我們委員會的部分……但這個運作就是持續在運作中。"],["林委員楚茵：好，剛剛提到電話不好打，我自己本人也有這樣的經驗，我真的曾經打進去，所以我建議，像現在都有所謂的AI，甚至有其他透過線上的方式可以處理的部分，是不是建議銀行或是銀行公會讓業者們可以加入，我覺得這也不失為一個解套的方法。"],["彭主任委員金隆：對，提高效率、提高服務的品質，這我們一定會要求，但是這邊也稍微提一下，很多民眾可能不理解，他被鎖控可能有兩個原因，一個是因為他是被檢調所鎖的警示帳戶，這個銀行是沒辦法幫你解的。"],["林委員楚茵：是，就是在調查單位那裡。"],["彭主任委員金隆：對，那個是要回到源頭去，很多民眾可能以為跟銀行講「我也是受害者」，通常銀行也無能為力。倒是剛剛委員講的應該是指他自行鎖控，根據打詐專法第八條。"],["林委員楚茵：是。"],["彭主任委員金隆：自行鎖控部分不夠精準所導致的這些問題，他們就要好好來處理。"],["林委員楚茵：了解，這個部分其實是全民最關心的。","另外，我關心的是剛剛前面有很多委員談到剩下不到三個月的時間，到底現在的ICS給予所謂監理寬容的部分，我其實比較想要問的是，剩下的時間這麼短，而它又是一個整體浮動狀況的時候，每一個壽險業者他們自己本身的狀況不一樣，當每一個人都要達到新規的百分之一百的時候，剛剛主委也講了，可能就是明天、後天或者是本週這個規定將出來，就算是明天、後天也是將近10月底了，距離明年的時間也不到兩個月，如何讓所有的人都可以齊步走？而且能夠在規定上面符合每一家壽險業者的狀態跟樣態？有關這個部分，保發中心正在思考當中，也在精密計算當中，但是如何讓大家都能夠使用？其實我認為非常的困難。"],["彭主任委員金隆：是。"],["林委員楚茵：就像你做一件衣服，要符合今天在場所有的人，其實困難度是非常高的。"],["彭主任委員金隆：委員非常清楚，我們為了這個專案，我親自主持會議應該超過50場，從我上任開始每週、每週不斷開會。我的意思是說，各位可能會覺得只剩一、兩個月，但是各位知道我們接軌1月1號，真正報表會出來，第一個報表日應該是明年6月30號，正式的報表應該是明年的12月30號，所以真正會到後年，所以說時間不會是各位看到的那麼緊迫，只是應該講為什麼一定要讓制度很周延？就是剛才委員提到這複雜的程度超乎我們當時的想像，因為各家狀況不一樣，而且這套制度複雜程度跟過去的方法論完全不同，所以我想這要兼顧各家的差異又要能夠穩健過渡，又有最近半年政經情勢的波動，為什麼我們要這部分花這麼多時間？會在最近一、兩天公布，就是因為我們真的希望儘量的周延，讓所有的壽險業能夠平穩的，我不喜歡稱為寬容，它是一個過渡措施，是希望我們的壽險業往更好的方向、爬樓梯的過程。"],["林委員楚茵：因為主席站起來，我最後只問一個點，就像我剛剛特別提到的，因為每一家壽險業者狀況不一樣的時候，他們各自遭遇到問題，如何去做回饋？包括你剛剛講的，開的會議也超過50場，是跟保發中心、跟金管會，如何讓他們的問題可以在整個會計呈現更精準。大家都不一樣的時候，溝通過程該怎麼處理？"],["彭主任委員金隆：是，當然制度是要業者來做，溝通絕對不可少，但是政策的制定是我們來決定，當然我們要負責政策，因為各家的需求不同，要整合他們意見本來就花很大的功夫，我們在過程中也是亦步亦趨地跟他們進行溝通。"],["林委員楚茵：所以言下之意就是這兩天公布之後，接下來到明年第一次報表出來的時候，反而是啟動溝通，甚至於在這樣的規定當中可以有調整的機會。"],["彭主任委員金隆：對，其實我們也跟壽險公會溝通，為因應這個情況，請壽險公會能夠籌組專業的接軌委員會，他們也同意朝這方向，這就是很好的……未來十幾二十年的過程一定要有專業的對口。"],["林委員楚茵：所以結論是，這個規則出來之後其實是有修正，甚至於調整的空間，而不是死板板的規定在那裡。"],["彭主任委員金隆：當然，資本監理是非常有彈性會因應所有的狀況，我想國外也都是這樣，因為它的目的是要讓產業更好，而不是成為不可動、沒有辦法因應環境波動的限制。"],["林委員楚茵：好，謝謝主委。"],["彭主任委員金隆：謝謝委員。"],["林委員楚茵：謝謝主席。"],["主席：謝謝林委員。","接下來請邱志偉委員。"]],"agenda":{"page_end":102,"meet_id":"委員會-11-4-20-2","speakers":["李坤城","林德福","吳秉叡","賴士葆","郭國文","賴惠員","林思銘","顏寬恒","鍾佳濱","黃珊珊","李彥秀","王世堅","葛如鈞","黃國昌","楊瓊瓔","林楚茵","邱志偉","陳玉珍","羅明才"],"page_start":41,"meetingDate":["2025-10-13"],"gazette_id":"1148401","agenda_lcidc_ids":["1148401_00003"],"meet_name":"立法院第11屆第4會期財政委員會第2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":"1148401_00002"}}}