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很好 非常好下一頁結果你們在採取的說明書裡面我看到的中國信託他們幹的事情不是只有違反內心內控喔如果是只有房子洗錢的規定沒有做好那個是抽象制度性的問題嘛表示我們市錢預防的功能沒有做好控制沒有做好但"},{"start":221.537,"end":233.554,"text":"他是實際上面行員、金融機構行員參與犯罪組織去詐騙、去洗錢但我看了金管會的財主書主委可能認為罰他們兩千萬很重"},{"start":237.771,"end":254.811,"text":"我可能認為罰他們兩千萬很重但如果以中國信託他們一年的獲利額剛剛四千委員就質詢了光到收手續費的部分就超過四百億了罰個兩千萬會不會痛有沒有用社會有公平但我現在分兩個層次來請教"},{"start":257.014,"end":285.487,"text":"第一個層次是這麼嚴重的行為你們為什麼在發財處書的時候相關的事實相關的行為沒有辦法像美國的監理機構一樣具細米疑具體的把它寫清楚它是屬於辦理客戶零過申請調高銀行網路轉帳及ATM提領日限而作業所涉缺失嗎是這樣子輕描淡寫就把它的不應該的地方"},{"start":287.308,"end":291.033,"text":"這可責性的行為,這樣算有充分描述嗎?"},{"start":305.669,"end":323.477,"text":"想法我沒有在苛責金管會的同仁因為這種立稿的方式我們大概寫了一二十年長的都是這個樣子不是你當主委才變這樣如果是你當主委才變這樣那一定是你的責任嘛但我給金管會的建議是什麼去看一看"},{"start":324.659,"end":343.452,"text":"外國的監理機關針對這麼離譜的事情事實是要把它寫得很清楚他們到底做錯了什麼事情讓社會大眾知道這樣子的採取才有意義嘛第二個部分公罰錢有沒有用罰錢其實是罰誰的錢是罰全體股東的錢嗎"},{"start":345.874,"end":367.709,"text":"但是那些出具內資內控聲明書的人從法針到集合到封控到最後高階的經理人每一個人都簽了字結果根本沒有做好嘛我現在講的還不是只有這個個案喔從通案到個案比率最高一年一萬多個人頭賬戶"},{"start":369.43,"end":393.997,"text":"具體的個案目前被抓到的有銀行員參與詐騙死罰兩千萬能夠有效後組嗎?主委你覺得呢委員所以我們今年1月14號我們通過銀行責任地圖不是說將來發生問題只要罰錢明年1月1號就會實施相關連帶的主管如果你的責任是督導內控防止洗錢發生問題你都要負連帶的責任是"},{"start":394.777,"end":411.416,"text":"現在的銀行法61條之一對於內積內控如果沒有做好的話那顯然什麼?顯然不是只有罰錢嗎?他本來61條之一是不是授權金管會可以做下面的這些處理部分停止部分的業務啊?有"},{"start":412.565,"end":430.211,"text":"對嗎?是都可以考量那以協助詐騙集團這麼嚴重出的內控聲明書明顯虛偽不實就沒做到嘛只打兩千萬齁我請金管會回去再思考一下再思考一下是不是未來在面對"},{"start":431.991,"end":453.322,"text":"因為銀行他們前面的內機內控沒有做好甚至有參與詐騙不是只有罰錢了事該負責任的人員同時要就責主委這個方向您贊不贊成我們會朝委員指導的方向去研究OK好謝謝好謝謝黃國昌委員的質詢接著我們請游浩委員游浩委員游浩委員不在接著我們請林楚敏委員質詢"}]}},"supported_relations":[],"relations":[]}