{"error":false,"id":["152756"],"data":{"IVOD_ID":152756,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/152756","日期":"2024-05-22","會議資料":{"會議代碼":"委員會-11-1-20-13","會議代碼:str":"第11屆第1會期財政委員會第13次全體委員會議","屆":11,"會期":1,"會次":13,"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13次全體委員會議"},"影片種類":"Clip","開始時間":"2024-05-22T09:47:13+08:00","結束時間":"2024-05-22T09:58:44+08:00","影片長度":"00:11:31","支援功能":["ai-transcript","gazette"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/ec526bb9f1bdce9d9568d26cc62fd86c88b406ffa24a3d763b43bbf2d64d20172b10ce0376c3db915ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"顏寬恒","委員發言時間":"09:47:13 - 09:58:44","會議時間":"2024-05-22T09:00:00+08:00","會議名稱":"立法院第11屆第1會期財政委員會第13次全體委員會議（事由：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。\n【5月20日及22日二天一次會】）","gazette":{"lineno":225,"blocks":[["顏委員寬恒：（9時47分）主席、各位列席官員，大家早。主席，我想請金管會彭主委。"],["主席：請彭主委。"],["彭主任委員金隆：謝謝顏委員。"],["顏委員寬恒：恭喜主委。金管會負責國家金融的業務，包括保險、證券、期貨及銀行等相關領域，目前在維持金融穩定，並建立公平、健康、能獲利的金融環境。在你看來，我國的金融市場是否有達到金管會的目標？當然我也期許主委就任之後，面對這個業務能夠積極然後不打折，營造一個安全、公平、值得信賴的金融環境，好不好？"],["彭主任委員金隆：是，我們努力。"],["顏委員寬恒：我先告訴主委，目前臺灣的金融市場距離金管會的目標還有一大段路。公平的定義就是資訊要公開、對等，但是三大融資公司──中租、裕融、和潤帶來的亂象，在立法院的討論非常多，這已經是眾所皆知。業者把錢借給一些信用不佳、還款能力差或者是信用小白的這些對象，可以不受金管會監管，收取高額的利息，這樣子跟高利貸有什麼不一樣？等於政府默許這樣的行為，你認為這樣子公平嗎？金管會可以容許這樣的作為嗎？我之前詢問黃前主委的時候，黃前主委說這個部分已經在研究辦法，我想要請教這個辦法什麼時候會出來？"],["彭主任委員金隆：融資公司的管理是社會上非常矚目的議題，現在我們的作法就是……剛剛委員提到現在有三大融資公司，他們就占了這個市場大概90%的份額，這個部分我們已經透過比如說上市櫃公司的方式進行管理。再來我們也請他們在公會的自律架構下面，針對我們過去關切的消費者權益影響訂定自律規範，做這樣的納管。接下來我們也會透過這樣一個平台，持續來關注這樣的議題。"],["顏委員寬恒：專法什麼時候會出來？"],["彭主任委員金隆：我們現在正在蒐集各個國家管理的模式，我們知道有關融資公司的部分，並不是每個國家都是由金融監理機關來管理。"],["顏委員寬恒：主委，要加快腳步，因為這個事情已經層出不窮，有太多的弊病，不只這個，更嚴重的像詐騙，可以說詐騙集團跟融資公司相互配合，當這些人借了融資公司的錢，錢還不出來的時候，詐騙集團把人帶進來，然後融資公司再依照合約跟被害人追討，如果要解約，還要付高額的違約金，這就是因為對這些融資公司無法可管所產生的漏洞。所以我們一而再、再而三的提醒、要求，但是都沒有看到金管會有積極的作為，請問這個會期可不可以、來不來得及做？"],["彭主任委員金隆：有關融資公司的管理，融資公司現在不是沒有管理，只是說沒有專法來管理。"],["顏委員寬恒：對嘛，所以我們才期待趕快提出這個專法。"],["彭主任委員金隆：對，現在自律規範裡面定的內容大概都有針對大家關注問題做管理，有關專法的部分，我們還要再研議，比如要看各國的監理，還有未來它的樣態，這類公司實際上數量非常多，這部分我們會持續來研究。"],["顏委員寬恒：再來是虛擬貨幣，剛剛很多委員都提到，虛擬貨幣第一、價格起伏不定，穩定性低，容易成為炒作投資的標的，且無法可管。第二、發行門檻低，交易自由度高，容易被不法人士利用，成為洗錢、資恐、逃稅的工具。之前上一任的黃主委也回應，針對證券或期貨交易都有一個具體的規範手段，就是透過特許、執照還有控制市場的准入，在一個指導原則當中，但是需要完成洗錢防制法的遵循，目前我們沒有。對於虛擬貨幣的部分，你新任金管會主委，請問有什麼作為？"],["彭主任委員金隆：現在有關虛擬資產的交易部分，我們現在正跟法務部研議洗錢防制法的修訂，未來會採許可制，可以有效的對一些幣商行為做一些納管。當然我剛才也跟委員報告過，我們金管會現在也有請人研議虛擬資產管理專法，預計今年9月報告出來，我們就會仔細的研議看看怎麼樣在未來落實。"],["顏委員寬恒：比照歐盟其他國家加密資產的規範，就是向該國主管機關申請許可，當然長遠之計就是要有一個專法，目前就像你剛剛提到的，專法還沒出來，那怎麼規範？"],["彭主任委員金隆：虛擬資產業者今年會成立一個公會，我們會指導他們建立自律規範，先用自律規範的方式，暫時針對這個空窗期來進行規範。"],["顏委員寬恒：那這個空窗期要維持多久？"],["彭主任委員金隆：現在預計是6月，6月這個公會就會成立。"],["顏委員寬恒：6月這個專法就會出來了？"],["彭主任委員金隆：不是，就是公會，因為他們現在是一個比較……"],["顏委員寬恒：6月才會組成這個公會，是不是？"],["彭主任委員金隆：對，他們現在正在申請、正在籌組。"],["顏委員寬恒：那組成公會之後要等待專法的制定，要多久時間？"],["彭主任委員金隆：我們剛才跟委員報告過，就是我們9月計畫出來後，會有一個架構，我們看看先用自律規範做一個實驗，接下來明年我們來看看立法的進程。"],["顏委員寬恒：好。","主委，你是保險的專家，保險法第一百七十七條的修正，主要是針對保險業務員的勞動權益來訂定的，攸關的不僅僅是保險業務員的權益，還有保戶的權益跟保障，同時避免保險公司假承攬真僱傭，甚至於亂賣保險產品，前任黃主委是告訴本席說，金管會沒有考慮修法，但是本席認為除了保險法之外，保險業務員管理規則也需要跟著同步修正，保險業務員的勞動契約包括教育訓練、獎懲制度還有申訴管道等等權益部分，金管會應該要會同勞動部來修訂，不論是業績考核，還有納入勞動合約的部分，他們也都是假獎懲辦法與管理規則之名，但是金管會對此亂象卻僅是發函給各保險公會來進行道德勸說，讓這些保險業務員承擔遭到不合理管考的苦果，你是否願意做更進步的努力，對保險法第一百七十七條保險業務員的勞動權益還有保戶的權益，做更精進的修訂？"],["彭主任委員金隆：當然對所有保險利害相關人的權益保護，金管會都關切，剛剛委員指示第一百七十七條的修正，現在的近況，可不可以允許我請保險局局長回答？謝謝。"],["顏委員寬恒：好，簡單說明。"],["施局長瓊華：報告委員，因為保險業務員，我們在管理規則規範的是他的招攬行為，針對業務員的教育訓練、獎懲跟申訴管道，在管理規則其實有要求訂定，每一家公司都要把獎懲制度還有申訴管道建立好，在申訴管道的部分、審議的委員也都有一些平衡的規定，包括業務員跟公司人員人數要均衡，這個部分有一些契約上的問題，我們也都進行協調，近期已經開過幾次會，後面會去修正一些跟業務員有關的獎懲參考標準，現在都在進行當中。"],["顏委員寬恒：好，我就還是要請主委積極的針對保險法的修訂，做一個更精進的設計。"],["彭主任委員金隆：是。"],["顏委員寬恒：接下來我再跟主委探討一個我們現在最痛恨的問題，就是詐騙、電信詐騙的部分，尤其是金融詐騙，會使民眾的畢生的心血、積蓄在一夜之間就沒有了，不論是投資虛擬貨幣，或者是利用電子支付，現在很多詐騙集團都是利用這樣的便利性來進行詐騙，我周邊有很多朋友遭受到這樣的詐騙行為。不像過去我們都到銀行櫃檯臨櫃辦理，會有銀行行員來把關，不曉得金管會有沒有應對措施？"],["彭主任委員金隆：我們對打詐非常的重視，尤其最近，不只是金管會，我們跟數發部、法務部、內政部組成了聯防，我們會持續的在金管會主管阻詐的部分做很多的努力。"],["顏委員寬恒：打詐是非常重要的，尤其現在詐騙橫行，我希望主委上任後一定要把這個作為最重要的任務，好不好？"],["彭主任委員金隆：是。"],["顏委員寬恒：不要讓國人長期處在這種非常不安、屬於金融詐騙危險的環境當中，讓臺灣不要再有那種金融詐騙輸出、金融詐騙出口的惡名，可以嗎？"],["彭主任委員金隆：沒問題，金管會一定全力以赴，謝謝。"],["顏委員寬恒：謝謝主委。"],["彭主任委員金隆：謝謝委員。"],["主席：下一位請賴惠員委員質詢。"]],"agenda":{"page_end":332,"meet_id":"委員會-11-1-20-13","speakers":["羅明才","林德福","吳秉叡","顏寬恒","賴惠員","賴士葆","王鴻薇","郭國文","李彥秀","黃珊珊","伍麗華Saidhai‧Tahovecahe","李坤城","王世堅","楊瓊瓔","黃國昌","葛如鈞","陳玉珍","林楚茵","吳春城","鍾佳濱","謝衣鳯","張嘉郡"],"page_start":263,"meetingDate":["2024-05-22"],"gazette_id":"1134901","agenda_lcidc_ids":["1134901_00008"],"meet_name":"立法院第11屆第1會期財政委員會第13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":"1134901_00005"}},"transcript":{"pyannote":[{"speaker":"SPEAKER_01","start":0.21659375000000003,"end":1.0265937500000002},{"speaker":"SPEAKER_01","start":1.2122187500000001,"end":3.11909375},{"speaker":"SPEAKER_01","start":3.45659375,"end":5.312843750000001},{"speaker":"SPEAKER_01","start":5.650343750000001,"end":7.45596875},{"speaker":"SPEAKER_01","start":7.793468750000001,"end":8.704718750000001},{"speaker":"SPEAKER_02","start":13.14284375,"end":13.176593750000002},{"speaker":"SPEAKER_01","start":13.176593750000002,"end":24.246593750000002},{"speaker":"SPEAKER_02","start":14.77971875,"end":15.184718750000002},{"speaker":"SPEAKER_02","start":16.129718750000002,"end":16.70346875},{"speaker":"SPEAKER_01","start":24.617843750000002,"end":28.43159375},{"speaker":"SPEAKER_01","start":28.80284375,"end":31.047218750000003},{"speaker":"SPEAKER_01","start":31.87409375,"end":35.55284375},{"speaker":"SPEAKER_01","start":35.83971875,"end":40.39596875},{"speaker":"SPEAKER_01","start":41.12159375,"end":48.17534375},{"speaker":"SPEAKER_01","start":48.91784375,"end":51.56721875},{"speaker":"SPEAKER_01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