{"error":false,"id":["150352"],"data":{"IVOD_ID":150352,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/150352","日期":"2024-03-25","會議資料":{"會議代碼":"委員會-11-1-20-5","會議代碼:str":"第11屆第1會期財政委員會第5次全體委員會議","屆":11,"會期":1,"會次":5,"臨時會會次":null,"種類":"委員會","委員會代碼":[20],"委員會代碼:str":["財政委員會"],"標題":"第11屆第1會期財政委員會第5次全體委員會議"},"影片種類":"Clip","開始時間":"2024-03-25T11:06:13+08:00","結束時間":"2024-03-25T11:20:37+08:00","影片長度":"00:14:24","支援功能":["ai-transcript","gazette"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/3b2b855ee35a005b53b383b34a6ad87d8506765f624e20d0f8ba9b0039caa7a66a0f81e2aaa712aa5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"王世堅","委員發言時間":"11:06:13 - 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are family」大概就是指它跟詐騙集團吧！它們是family。黃主委，我今天要跟你提的就是，事實上，對中信內稽、內控的查察，我不曉得你們查得怎麼樣，是還要任這個金融怪獸在那邊繼續有那麼多鬆懈的內稽、內控，然後讓詐騙集團得以在那邊開戶？還是你們有什麼積極的作為呢？"],["黃主任委員天牧：首先感謝委員您對這個議題的關心，我們非常尊重、尊敬，其實中信因為早年分行多、很便民，所以它的戶數很多，的確如您所說的，它開始警示帳戶很多，所以從那時候開始，我們對警示帳戶多的幾家銀行就專案列管，要求它定期改進，在去年它有一個案子是分行的行員配合詐騙集團，對這部分我們也都有做處分。"],["王委員世堅：我正想要講，就是我在螢幕上放的這個照片。"],["黃主任委員天牧：我們都有做處分了，都有做處分。"],["王委員世堅：它過分到連它的行員都勾結詐騙集團，這個已經是很荒唐、很離譜，而且桃園地方法院都已經判刑了，所以我認為，中信在那邊廣為宣傳它自己防詐騙做得多好，對這個部分，我們官方不要背書，可以嗎？要不然又讓我們更多的存款戶、我們的市民朋友們因為不曉得，所以又跟著被捲入、又被欺騙了，可不可以？"],["黃主任委員天牧：有，委員，我們會照您的提示去處理，謝謝。"],["王委員世堅：然後不遑多讓的是這些融資公司，我在前兩個禮拜有跟你提嘛！"],["黃主任委員天牧：非常感謝委員關心這個議題，謝謝。"],["王委員世堅：對，我知道你們有在處理了。"],["黃主任委員天牧：我們有遵照您的指示去積極處理。"],["王委員世堅：對，確實有。當然啦！這三大除了有開始略做收斂以外，它們也對我個人來攻擊，這個我就不提了，那個就算了！但是我覺得很傷腦筋的是這些融資公司竟然它們的從業人員也勾結詐騙集團，天啊！這更可怕，他們勾結詐騙集團，然後讓被害者在不知不覺當中竟然要跑來向租賃公司融資，而且融資的金額也都是相當金額以上，所以內神通外鬼，你沒錢被騙沒關係，租賃公司幫忙你，把錢借給你，讓你去被騙，天啊！被騙了以後很傷腦筋，因為除了被騙的這些金額，後續5年、10年、20年都要被租賃公司的高額利息、高利貸壓榨，天啊！竟然有這樣子的事情，我不曉得你知不知道，我收到很多投訴，事實上，在上個月我的研究室還辦了一場這樣子的協調會，就是協調受騙戶，他受騙了，結果這個金額很大，怎麼會有那麼多錢被騙？他家裡的人、他爸爸自己也不相信，覺得很奇怪，小孩子還在讀書，怎麼會有那麼多錢被騙？原來就是向這些不肖的租賃公司借款，然後進行勾結、在那邊穿針引線的就是它們的從業人員，所以對這個部分你是不是應該加強管理？"],["黃主任委員天牧：有，報告委員，其實您也知道，在我第一天拜會您的時候，您就關心這個問題，那您提到這個問題，我回來就跟銀行局講，所以後來其實我們另外有一些影片出來，其實在那之前我們就有做一些對融資公司的措施，您今天垂詢的有關它們員工所涉及的一些行為，我們上次在財委會已經有報告三項措施，我想我們有足夠的資源可以對它的行為，包括授信、它的風管，包括它的財務各方面，包括營業模式，去要求它提出一些改善的方案，我們會積極努力，謝謝。"],["王委員世堅：好，積極努力啦！好不好？尤其我說的這三家最大的跟我們的銀行體系融資了5,000億元，跟銀行體系融資以低利息來便宜的借錢，然後它放高利貸借給需要的借款人、消費者，這是很不道德的事情。"],["黃主任委員天牧：對，尤其是在消保方面我們會特別加強。"],["王委員世堅：我們銀行體系有那5,000億可以借人，也同意要消費貸款的話，那銀行體系就直接貸款給消費朋友們，不是這樣子嗎？利息又合理，然後至少在管理帳戶上、追討帳戶上面不會找討債公司，不是這樣嗎？"],["黃主任委員天牧：委員，您的垂詢非常正確，我們會鼓勵銀行體系也對這些客戶提供一些信用，謝謝。"],["王委員世堅：主席，抱歉，我再講1分鐘，因為剛才我看到數發部就火大了，我本來剛剛應該問他一個問題，我懶得問他了，剛好順便，我就請黃主委你們處理一下。今天我們提了這一個題目，就是所謂的防詐1.5這個新版本防詐成效的檢討，結果我從Google上面搜尋，看到有一則廣告跟我們政府現在要公布的這個1.5版策略竟然是同框，這個策略是什麼？請你看一下螢幕，這個是「洗錢防制法的刑事詐欺案律師─爭取刑責判最低、上百件成功案例」，你有沒有看到？這個是幫我們要打擊的詐騙集團來脫罪，幫它們的車手、水手、取簿手，這樣子的廣告竟然跟我們政府要宣布的現在防詐的政策作法擺在一起。黃主委，這個部分是不是你努力一下？你回去要立刻有所行動，好不好？"],["黃主任委員天牧：好，我們到平臺上看看這個律師，我聽過這些事情，我們覺得……"],["王委員世堅：你聽過這些事，最不可忍受的是他的廣告大剌剌的跟我們的政策擺在一起，他在挑釁我們嗎？或者是說政府有這樣的政策，民眾關心，政府招來這個訊息的收聽、收視者，招過來以後讓他們來做生意，是這樣子嗎？荒唐！我認為這件事情，我對數發部已經早就沒有任何寄望了，黃天牧主委，我們大家對你都還有所期許，你回去處理看結論怎麼樣，跟本會還有跟本委員做一個說明好嗎？"],["黃主任委員天牧：報告委員，我們跨部會都有合作，我想我們到平臺上去反映這個問題，來看看怎麼處理，謝謝。"],["王委員世堅：好，謝謝。"],["主席：休息5分鐘。","休息（11時20分）","繼續開會（11時28分）"],["主席：現在繼續開會。","請顏委員寬恒發言。"]],"agenda":{"page_end":298,"meet_id":"委員會-11-1-20-5","speakers":["羅明才","林德福","吳秉叡","賴士葆","郭國文","賴惠員","王鴻薇","黃珊珊","李坤城","王世堅","顏寬恒","伍麗華Saidhai‧Tahovecahe","李彥秀","謝衣鳯","黃國昌","鍾佳濱","鄭天財Sra 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