{"error":false,"id":["152828"],"data":{"IVOD_ID":152828,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/152828","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":"2024-05-22T11:58:58+08:00","結束時間":"2024-05-22T12:08:41+08:00","影片長度":"00:09:43","支援功能":["ai-transcript","gazette"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/ec526bb9f1bdce9d22761d64f35fc84a88b406ffa24a3d763b43bbf2d64d20173eccb88f554b3b0c5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"楊瓊瓔","委員發言時間":"11:58:58 - 12:08:41","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":801,"blocks":[["楊委員瓊瓔：（11時58分）謝謝主席，我邀請主委。"],["主席：請彭主委。"],["彭主任委員金隆：楊委員好。"],["楊委員瓊瓔：主委好。2023年8月份，我們看到比特幣及虛擬通貨發展協會主辦了臺灣區塊鏈產業地圖，也作了關鍵報告，當中看到國內超過兩百家區塊鏈企業所從事的業務項目以及企業概況。在這部分，我們看到相關公司中有將近七成是在過去五年就已經成立的，換句話說，有愈來愈多虛擬資產業者會向金管會你們這邊申請洗錢防制聲明。講了這個背景，主要也就是顯示我國的虛擬資產業正在蓬勃發展、有在成長，而且發展的速度似乎比原先我們所預估的速度還要加快，你認同嗎？它的速度是加快的，你認同嗎？"],["彭主任委員金隆：對，確實發展很快。"],["楊委員瓊瓔：你也認同很快喔！","之前的主委說，在九月份的時候虛擬資產專法要出來，但是我剛剛聽到同仁問你的時候，您是說什麼時候會出來啊？"],["彭主任委員金隆：我剛剛跟委員報告的是，針對虛擬資產專法，我們現在正在專案委託研究案，九月應該是……"],["楊委員瓊瓔：你剛剛說的是九月份才有草案出來？"],["彭主任委員金隆：九月是那份研究報告作出來。"],["楊委員瓊瓔：才有研究報告？"],["彭主任委員金隆：對。"],["楊委員瓊瓔：怎麼跟上一任主委差距這麼大呢？他是說九月份的時候專法會出來。"],["彭主任委員金隆：應該是專法的研究報告。"],["楊委員瓊瓔：你後面再用括號加註了「研究報告」？"],["彭主任委員金隆：這個……"],["楊委員瓊瓔：好，那請教你，如果依照你剛剛的回答，九月份才有專法的研究報告，換句話說，專法要等到明年囉？"],["彭主任委員金隆：是的。"],["楊委員瓊瓔：如果依照你的腳程，九月專法的研究報告出來，那專法什麼時候才會送出來呢？"],["彭主任委員金隆：預計九月研究報告出來之後，我們會緊鑼密鼓，開始進行相關程序。"],["楊委員瓊瓔：你的「緊鑼密鼓」是指什麼時候會出來呢？"],["彭主任委員金隆：就是剛剛講的，可能最快是明年。"],["楊委員瓊瓔：明年什麼時候呢？你們的預估呢？"],["彭主任委員金隆：明年的話，就要看整個立法進程。因為這是全新的法案，所以我們可能要花點時間、要評估一下。"],["楊委員瓊瓔：有沒有KPI出來了？"],["彭主任委員金隆：現在有沒有？"],["楊委員瓊瓔：這個這麼重要，我相信不管誰當主委，這件事對目前的臺灣社會都很重要。你剛才也說了腳步要加快，在這樣的情況下，如果拖那麼久怎麼辦呢？民眾怎麼辦呢？"],["彭主任委員金隆：我們收到專案報告以後會儘速處理啦！"],["楊委員瓊瓔：你所謂的儘速……本席要請教，你既然做了一件事情、已經是「ing」也就是進行式當中，那絕對有你的預估、你的KPI嘛！主委，依照您剛才說的，我們再重複：九月你們才會有專法的研究報告出來，是不是？"],["彭主任委員金隆：是的。"],["楊委員瓊瓔：那請問，以你的「儘快」，是什麼時候專法會出來？什麼時候專法會出來？"],["彭主任委員金隆：明年上半年。"],["楊委員瓊瓔：明年上半年？主委，這個腳步可能要加速。"],["彭主任委員金隆：對，如果能夠快，我們就儘量，因為社會有這個期待。"],["楊委員瓊瓔：有沒有信心？"],["彭主任委員金隆：我們努力。"],["楊委員瓊瓔：之前講的是九月份專法要出來。"],["彭主任委員金隆：對。"],["楊委員瓊瓔：那現在是五月啊！而你現在又說要到明年上半年，差距將近一年欸！怎麼會差那麼多？速度應該要更快啊！因為目前全世界都在看啊！也都在應對啊！"],["彭主任委員金隆：九月的時程應該只是報告啦！確實是。針對這部分，我們明年會……等於如同剛剛跟委員報告的，就是儘快處理，預估大概在明年上半年，因為主要是要整合比較多我們過去比較不熟悉的業態，這部分可能……"],["楊委員瓊瓔：本席之所以願意給你那麼多時間說明，是希望不要讓不正確的訊息讓民眾感到模糊，但也的確有差距啊！如果依照你的規劃，那大概會差一年，所以本席也具體建議，因為目前的社會非常地需要，你們在盡可能的範圍怎麼樣可以縮短時間，主委是不是應該以專案管控？"],["彭主任委員金隆：我們對於所有案子都會這麼做。"],["楊委員瓊瓔：是不是要專案管控？是不是？"],["彭主任委員金隆：對，我們都會這麼做。"],["楊委員瓊瓔：時間如果可以，是不是應該誠如你說的儘快？"],["彭主任委員金隆：是，可以。"],["楊委員瓊瓔：可不可以？"],["彭主任委員金隆：可以。"],["楊委員瓊瓔：你們再去盤點。"],["彭主任委員金隆：是。"],["楊委員瓊瓔：盤點你們的時程，再提供書面資料給本席。","對於你們，我們也很關心的就是先買後付（Buy now, pay later），針對這樣的情況，要讓打擊詐騙不會因為換人而有調整，你有沒有信心？"],["彭主任委員金隆：這個有，我們會處理。"],["楊委員瓊瓔：剛剛本席在司法委員會也對新任部長講，這個問題愈打愈糟，對於打詐四法，你們終於好不容易送到立法院，那就要儘快排程討論。各個委員、不分藍綠白都希望如此，因為現在民眾很恐慌，包括電話到底要不要聽、簡訊要不要看？哪一個是真的、哪一個是假的？真的不是真的，假的不是假的，假的又是真的，真的又是假的，喔！這真的讓民眾很緊張欸！"],["彭主任委員金隆：是的。"],["楊委員瓊瓔：你有沒有認知到這個問題啊？"],["彭主任委員金隆：有，我們都非常重視這個問題，也聯合各相關部會，都定期、密集地討論這些事情。"],["楊委員瓊瓔：定期、密集？"],["彭主任委員金隆：對。"],["楊委員瓊瓔：本席給你一個背景：2023年刷卡網購數據中，盜刷達到32.4億，是2022年的1.47倍，也是史上最高。這樣的情況也有喔！占整體盜刷金額的98.3%，這個數字告訴你之後，要怎麼樣去防堵？有人甚至刻意發送釣魚簡訊，透過點擊詐騙卡號，連百貨公司都受害欸！因為被綁在一起。對於這樣的情況─用app綁卡、盜刷，你們有什麼方案？這麼嚴重啊！怎麼辦？"],["彭主任委員金隆：我們請銀行局針對銀行盜刷的部分說明。"],["楊委員瓊瓔：好，請說明一下。"],["莊局長琇媛：是。報告委員，針對app綁卡盜刷這個問題，主要都是百貨公司或賣場的app啦！"],["楊委員瓊瓔：你怎麼應對？"],["莊局長琇媛：這塊的話，現在銀行公會已經在研議了，也是要透過app、也就是這個商店，我們會跟……"],["楊委員瓊瓔：社會面這麼嚴肅喔！腳步加快好不好？你們跟銀行公會加油好不好？"],["莊局長琇媛：是，現在包括聯卡中心也要參與進來。"],["楊委員瓊瓔：數字一直在增加欸！你們又緩不濟急，民眾太可憐了，好不好？"],["彭主任委員金隆：是。"],["楊委員瓊瓔：速度要加快，研議方案提供給本席。","我有一個議題給主委。主委，金管會說到了2026年非現金支付交易的筆數要達到80億筆，交易金額要達到10兆，這是我國的目標，有沒有改變？有沒有改變？"],["莊局長琇媛：報告委員，還是按照這樣的目標。"],["楊委員瓊瓔：會達到嗎？有沒有信心？"],["莊局長琇媛：我們……"],["楊委員瓊瓔：因為我告訴你，104年到110年，你們提出的電子化支付比例是五年倍增，到了2023年，非現金支付部分的筆數還要成長50%欸！所以這是迫切需要的，交易金額目標則是6兆。在這樣的情況下，我們看到今年第一季非現金交易的筆數是18.97億筆喔！至於交易金額將近2兆，跟去年同一季相比，增加了24.6%，金額也成長將近15%，光光一季就是如此喔！主委，剛剛局長講的也是要依照這個數字達陣成功是不是？"],["彭主任委員金隆：是。"],["楊委員瓊瓔：是不是，局長？"],["莊局長琇媛：報告委員，是。"],["楊委員瓊瓔：交易金額在2026年的目標是10兆，非現金支付部分要達到80億筆，是不是？"],["莊局長琇媛：是。"],["楊委員瓊瓔：有沒有信心？"],["莊局長琇媛：有。"],["楊委員瓊瓔：市場會協助你、消費者也會協助你，本席講的這個信心就是政府部門的腳步一定要跟上市場的需求，好不好？"],["彭主任委員金隆：是。"],["楊委員瓊瓔：好不好？"],["彭主任委員金隆：可以。"],["楊委員瓊瓔：謝謝。"],["彭主任委員金隆：謝謝委員。"],["主席：謝謝楊委員。","因為現在已經12點了，大家在現場可以一邊用餐。但主委可能比較不方便啦！你辛苦一下。大家可以繼續質詢到會議結束。","下一位請黃國昌委員質詢。"]],"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_02","start":0.06471875,"end":0.79034375},{"speaker":"SPEAKER_02","start":4.55346875,"end":5.127218750000001},{"speaker":"SPEAKER_01","start":5.76846875,"end":6.494093750000001},{"speaker":"SPEAKER_01","start":6.93284375,"end":10.15596875},{"speaker":"SPEAKER_01","start":10.375343750000003,"end":16.973468750000002},{"speaker":"SPEAKER_01","start":17.83409375,"end":29.69721875},{"speaker":"SPEAKER_01","start":29.91659375,"end":33.34221875},{"speaker":"SPEAKER_01","start":33.89909375,"end":44.31096875},{"speaker":"SPEAKER_01","start":44.445968750000006,"end":47.297843750000006},{"speaker":"SPEAKER_01","start":47.77034375,"end":50.01471875},{"speaker":"SPEAKER_01","start":50.31846875,"end":53.81159375},{"speaker":"SPEAKER_01","start":54.267218750000005,"end":56.95034375},{"speaker":"SPEAKER_01","start":57.40596875000001,"end":70.65284375},{"speaker":"SPEAKER_01","start":70.90596875,"end":74.16284375000001},{"speaker":"SPEAKER_02","start":73.33596875,"end":74.90534375},{"speaker":"SPEAKER_01","start":75.54659375,"end":85.97534375000001},{"speaker":"SPEAKER_01","start":86.43096875,"end":91.98284375},{"speaker":"SPEAKER_02","start":93.02909375,"end":100.75784375},{"speaker":"SPEAKER_01","start":100.21784375,"end":102.91784375},{"speaker":"SPEAKER_02","start":103.06971875,"end":105.41534375},{"speaker":"SPEAKER_01","start":105.22971875,"end":106.66409375},{"speaker":"SPEAKER_02","start":106.63034375000001,"end":107.33909375},{"speaker":"SPEAKER_01","start":106.81596875000001,"end":109.39784375},{"speaker":"SPEAKER_01","start":109.93784375000001,"end":112.75596875000001},{"speaker":"SPEAKER_02","start":112.99221875,"end":114.78096875000001},{"speaker":"SPEAKER_01","start":115.69221875000001,"end":119.48909375000001},{"speaker":"SPEAKER_01","start":120.01221875,"end":120.67034375},{"speaker":"SPEAKER_01","start":120.88971875000001,"end":122.08784375},{"speaker":"SPEAKER_01","start":122.45909375000001,"end":128.92221875},{"speaker":"SPEAKER_01","start":129.46221875,"end":131.52096875},{"speaker":"SPEAKER_02","start":131.79096875000002,"end":132.78659375},{"speaker":"SPEAKER_01","start":132.90471875,"end":140.56596875},{"speaker":"SPEAKER_02","start":141.05534375000002,"end":150.72471875000002},{"speaker":"SPEAKER_01","start":147.02909375000002,"end":147.19784375},{"speaker":"SPEAKER_02","start":151.21409375000002,"end":159.61784375000002},{"speaker":"SPEAKER_01","start":152.86784375000002,"end":153.89721875},{"speaker":"SPEAKER_01","start":159.95534375,"end":161.89596875},{"speaker":"SPEAKER_02","start":162.13221875000002,"end":163.70159375},{"speaker":"SPEAKER_01","start":165.00096875,"end":166.16534375},{"speaker":"SPEAKER_01","start":166.46909375,"end":168.47721875000002},{"speaker":"SPEAKER_01","start":168.61221875,"end":173.84346875},{"speaker":"SPEAKER_01","start":174.90659375,"end":176.98221875000002},{"speaker":"SPE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這差距要幾年呢怎麼會差那麼多應該是要速度更快啊因為目前全世界都在看啊都也在應對啊"},{"start":249.861,"end":277.818,"text":"這個9月時程應該是是應該只是報告啦確實對就是剛剛可能這部分我們明年的話我們會等於說我們現在剛剛跟我們報告就是說我們預估在是我們盡快來處理大概明年上半年因為這個主要整合到比較比較多的我們過去比較不熟悉的業態本期之所以願意給你那麼多的時間說明我也希望不正確的訊息也也不要讓讓這個民眾來模糊"},{"start":278.658,"end":296.939,"text":"但是也的確有差距如果依照你的規劃那大概會差一年所以本期也具體建議因為目前的社會非常的需要你們在盡可能的範圍怎麼樣可以去縮短時間所以是不是應該要專案去管控"},{"start":297.912,"end":297.952,"text":"執行局長"},{"start":326.293,"end":341.612,"text":"那在這樣的情況之下呢要讓打擊詐騙啊不會因為換人而有所調整有沒有信心剛剛本期在司法委員會我也給新任的部長講"},{"start":343.858,"end":357.975,"text":"這個問題越打越糟打詐司法你們終於好不容易送到立法院要盡快排成來討論各個委員不分藍綠白因為現在的民眾很恐慌電話到底要不要聽"},{"start":359.538,"end":376.269,"text":"閱讯要不要看哪一個真的哪一個假的真的不是真的假的不是假的假的又是真的真的又是假的哇這個民眾真的真的是很緊張欸是的你有沒有認知到這個問題啊有我們都非常重視這個問題我們也聯合各相關部會我們都有"},{"start":377.455,"end":398.016,"text":"定期密集的在討論這件事情定期密集本期給你一個背景2023年刷卡網購刷卡達到32.4億2022年是1.47倍史上最高在這樣的情況之下也有喔他這個佔比是佔在倒刷的部分98.3"},{"start":400.137,"end":422.941,"text":"所以這個數字告訴你我們要找他們去防堵有的人甚至可以用釣魚簡訊要去點擊要詐騙這個卡那連百貨公司都受害都綁在一起所以在這樣的情況之下用APP來綁卡盜刷那你們有什麼方案這麼嚴重啊怎麼辦"},{"start":427.864,"end":428.124,"text":"社會面這麼嚴肅喔"},{"start":455.563,"end":462.206,"text":"我們說的2026年非現金支付交易的比要達到80億比交易金額要達到10兆這個是我們的目標有沒有改變?"},{"start":485.596,"end":485.861,"text":"有沒有改變?"},{"start":487.878,"end":515.134,"text":"報告委員還是按照這樣子的目標會達到嗎?有沒有信心?因為我告訴你104年到110年你提出的電子化支付比例是5年倍增2023年非現金的部分它的比數成長50%所以這是迫切需要的交易金額是6兆所以在這樣的情況之下我們看到今年第一季非現金交易的比數18.97"},{"start":517.642,"end":539.109,"text":"一筆喔他交易的金額將近兩兆所以在這樣的情況之下我們看到跟去年同一季的比他是增加了24.6%金額也達到將近要15%光光一季就是如此喔所以主委剛剛局長講的也是依照這個這個數字要達成成功是不是是不是局長"},{"start":547.085,"end":572.35,"text":"是不是?報告委員是交易金額2026年是10兆那麼非先進的部分是81筆是不是?是有沒有信心?有市場會協助你消費者也協助你本期講的這個信心也就是政府部門的腳步一定要跟上市場的需求好不好?是好不好?可以謝謝"},{"start":579.557,"end":582.07,"text":"謝謝楊委員那因為現在已經12點了"}]}},"supported_relations":[],"relations":[]}