{"error":false,"id":["153420"],"data":{"IVOD_ID":153420,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/153420","日期":"2024-05-30","會議資料":{"會議代碼":"委員會-11-1-20-15","會議代碼:str":"第11屆第1會期財政委員會第15次全體委員會議","屆":11,"會期":1,"會次":15,"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15次全體委員會議"},"影片種類":"Clip","開始時間":"2024-05-30T12:50:38+08:00","結束時間":"2024-05-30T12:57:58+08:00","影片長度":"00:07:20","支援功能":["ai-transcript","gazette"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/bbbc431469b8aeba05538ee35a829cb34622ddde1e3527b97e05e04cf895f829741bf18dc6c7e1075ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"楊瓊瓔","委員發言時間":"12:50:38 - 12:57:58","會議時間":"2024-05-30T09:00:00+08:00","會議名稱":"立法院第11屆第1會期財政委員會第15次全體委員會議（事由：邀請財政部莊部長翠雲、金融監督管理委員會彭主任委員金隆率所屬相關單位就「如何精進ESG制度評鑑、永續報告書及公司治理評鑑制度，並導引金融機構落實放貸及貸後管理工作」進行專題報告，並備質詢。）","gazette":{"lineno":1111,"blocks":[["楊委員瓊瓔：（12時50分）謝謝主席，本席想邀請部長。"],["主席：有請莊部長。"],["莊部長翠雲：委員好。"],["楊委員瓊瓔：跟金管會主委。"],["主席：彭主委請。"],["楊委員瓊瓔：兩位一起上臺，因為只有短短5分鐘，謝謝。因為有相關。","首先請問金管會，美股交易結算週期要由T＋2縮短為T＋1，意味著當天買進跟賣出在交易後1個工作日就要付款，那你們也派專案，去年的時候黃主委也派專案，派人到美國跟日本去考察，所以本席要請教主委，金管會對於T＋1的做法，你們是不是會樂觀其成？"],["彭主任委員金隆：有關這個，確實我們有做研議，那詳細的部分，我們也把利弊得失都做一些分析啦！所以我們現在請證交所，比如說這個部分我們會從幾個面向再去討論。我們已經做完這個研究，我們會再來評估到底要不要採用，也要觀察他們實際的績效，再來決定要不要跟進。"],["楊委員瓊瓔：所以現在還沒有方案？因為是去年哦！去年專案到美國跟日本去考察，他們考察回來的結果是朝這個方向，還是不是這個方向？"],["彭主任委員金隆：我們再觀察他們現在實施的成效，再來評估要不要用。"],["楊委員瓊瓔：預估什麼時候會有一個初步方向？"],["彭主任委員金隆：目前我們還沒有訂啦！但是如果是好的制度，我們會儘快來看看怎麼樣做，因為美國5月才實施，所以我們要等它實施的結果，可能要一段時間才有辦法來評估它的成效。"],["楊委員瓊瓔：所以你們現在可以回答的是觀察中？"],["彭主任委員金隆：是。"],["楊委員瓊瓔：觀察中，所以還沒有決定是不是T＋1，還沒有決定？"],["彭主任委員金隆：還沒。"],["楊委員瓊瓔：因為市場大家在關心。"],["彭主任委員金隆：對，因為美國在5月底才上線。"],["楊委員瓊瓔：我們希望在你們審慎地觀察之後……"],["彭主任委員金隆：對，我們已經在做研究。"],["楊委員瓊瓔：有了一個新的方向，不管結果怎麼樣，就告訴社會大眾。"],["彭主任委員金隆：是。"],["楊委員瓊瓔：在這樣的情況之下，我們也來討論零股的問題，因為現在買零股會比較貴，所以小資族、上班族他們有這個聲音，一樣是買，整股比較便宜，零股比較貴，其他國家也沒有這樣子，那這個會不會改變？"],["彭主任委員金隆：現在針對零股交易的時間，我們有做一些改進啦！至於交易的成本，我們可以來進行國際資料的比對。"],["楊委員瓊瓔：可以專案去討論嘛？"],["彭主任委員金隆：可以。"],["楊委員瓊瓔：好不好？可以專案去討論。"],["彭主任委員金隆：可以。"],["楊委員瓊瓔：因為小資族有這個聲音出來，我們可以納一個專案來討論，可不可以統統都一視同仁？不要零股就比較貴，因為買零股的當然是小資族嘛！我們還是要支持小資族啊！可不可以認同這個方向？"],["彭主任委員金隆：我們會朝那個去研究，看國際怎麼做，我們來看看臺灣是怎麼樣的狀況，再來……"],["楊委員瓊瓔：有檢討的空間，對不對？"],["彭主任委員金隆：所有東西我們都有檢討的空間。"],["楊委員瓊瓔：好，有檢討的空間，我們希望要怎麼樣化繁為簡，真正讓小資族有公平的對待，進入這樣的市場，好，也謝謝主委要來討論。","接下來是聯合信用卡中心的統計，我們看到去年被詐騙的，哇！32.4億，你要怎麼樣強化整個信用卡風險的管理？同時，我們也知道銀行公會有檢討，那財政部長在這邊，我們看到他們檢討信用卡被詐騙，發覺最多利用快速移轉、變現金高的商品做盜刷及交易的，主要有三大類，包括遊戲點數、錢包儲值、電子禮券。銀行公會更研議出方案喔！就是高於3,000元，使用或移轉24個小時之後才能夠生效，在這樣的情況之下，主委，金管會會不會就刷卡額、範圍跟上路的時間，就這三項來做討論，以降低對民眾的影響？請做說明。"],["彭主任委員金隆：我們會再討論這個問題。"],["楊委員瓊瓔：會再討論嗎？"],["彭主任委員金隆：是。"],["楊委員瓊瓔：你看到了這個問題，銀行公會都已經說出這三大類別，你們瞭解這三大類別嘛？那你多久……"],["彭主任委員金隆：瞭解，現在對於打詐，還有信用卡一些安全的管控，我們事實上……"],["楊委員瓊瓔：全力圍堵。"],["彭主任委員金隆：對，我們……"],["楊委員瓊瓔：這個你們說可以，那這三項包括了刷卡額、範圍還有上路的時間點，你們多久可以告訴社會大眾？"],["彭主任委員金隆：這個我們都在研究，因為我們也要考慮到正常的交易活動。"],["楊委員瓊瓔：對，所以你們專案去研究？"],["彭主任委員金隆：是。"],["楊委員瓊瓔：有沒有時間點可以給我們？"],["彭主任委員金隆：我們已經在檢討這件事情，時間點的部分，可不可以請局長來說明？"],["楊委員瓊瓔：好，告訴我時間點好不好？"],["莊局長琇媛：報告委員，這幾天應該就會再開會，在開完會之後，我想就是1個月。"],["楊委員瓊瓔：可以向社會大眾說？"],["莊局長琇媛：對。"],["楊委員瓊瓔：繼續開！趕快開！","最後一個議題，再給我1分鐘好嗎？不好意思，主席。部長，詐騙的管道，各個部門都頭昏腦脹了，越打越詐，被詐的數額越來越多，所以本席要再請教民眾跨境網購這個問題，上次本席也請問了，部長，因為我們國人常常跨境購物，那關稅署……"],["莊部長翠雲：關務署。"],["楊委員瓊瓔：要怎麼樣去落實宣導跟保障國人的權益？因為民眾在進口貨物放行的隔天起6個月內填具申請切結書，哇！那這樣子會有一些影響，怎麼辦呢？我們要怎麼樣可以去防堵，去落實？請教部長，關務署也在這邊。"],["莊部長翠雲：跟委員報告，進口的貨物，因為我們的消費者……"],["楊委員瓊瓔：跨境提貨。"],["莊部長翠雲：是受到詐騙的，對不對？"],["楊委員瓊瓔：對！"],["莊部長翠雲：我們應該要讓他的損失降低，所以我們對這個部分，在27日已經發布解釋令，第一個，要退他繳的關稅，在程序上也好，時間上也好，以及各個方面，我們都給予簡化，這個部分已經做了修正。"],["楊委員瓊瓔：你要大肆去宣導。"],["莊部長翠雲：要宣導，是，好。"],["楊委員瓊瓔：27日，今天30日，有幾個人知道？沒有人知道，你把詳細的書面資料給本席，上一次本席詢問的時候，要求你們必須務實去做，我也歡喜你們在27日有所調整，那我們還是滾動式檢討，看進行的結果怎麼樣，保障民眾的權益，好不好？"],["莊部長翠雲：對，好的。"],["楊委員瓊瓔：要宣傳！"],["莊部長翠雲：好。"],["楊委員瓊瓔：要宣傳，因為現在跨境提貨的太多了，好不好？"],["莊部長翠雲：好。"],["楊委員瓊瓔：因應目前所需，好嗎？"],["莊部長翠雲：好。"],["楊委員瓊瓔：除了宣傳，我們要去看這樣的方案是不是真正能夠落實，保障民眾的權益，好不好？"],["莊部長翠雲：好，我們在實施的過程當中，一直去檢視。"],["楊委員瓊瓔：好！一起加油！謝謝。"],["莊部長翠雲：謝謝委員。"],["主席：謝謝楊瓊瓔委員的質詢。","緊接著請蔡易餘委員質詢。"]],"agenda":{"page_end":274,"meet_id":"委員會-11-1-20-15","speakers":["郭國文","林德福","吳秉叡","賴士葆","王鴻薇","顏寬恒","賴惠員","李坤城","李彥秀","黃珊珊","伍麗華Saidhai‧Tahovecahe","王世堅","羅明才","陳玉珍","黃國昌","鍾佳濱","林楚茵","邱志偉","張智倫","楊瓊瓔","蔡易餘"],"page_start":209,"meetingDate":["2024-05-30"],"gazette_id":"1135401","agenda_lcidc_ids":["1135401_00009"],"meet_name":"立法院第11屆第1會期財政委員會第15次全體委員會議紀錄","content":"邀請財政部莊部長翠雲、金融監督管理委員會彭主任委員金隆率所屬相關單位就「如何精進 ESG\n制度評鑑，並導引金融機構落實放貸及貸後管理工作」進行專題報告，並備質詢","agenda_id":"1135401_00010"}},"transcript":{"pyannote":[{"speaker":"SPEAKER_00","start":0.08159375,"end":1.43159375},{"speaker":"SPEAKER_00","start":2.56221875,"end":3.4397187500000004},{"speaker":"SPEAKER_00","start":4.8572187499999995,"end":6.08909375},{"speaker":"SPEAKER_00","start":7.152218750000001,"end":8.36721875},{"speaker":"SPEAKER_00","start":9.075968750000001,"end":10.898468750000003},{"speaker":"SPEAKER_00","start":11.657843750000001,"end":14.52659375},{"speaker":"SPEAKER_00","start":14.914718750000002,"end":34.74284375},{"speaker":"SPEAKER_00","start":35.46846875,"end":49.54221875},{"speaker":"SPEAKER_02","start":51.111593750000004,"end":73.26846875000001},{"speaker":"SPEAKER_00","start":73.57221875,"end":74.73659375000001},{"speaker":"SPEAKER_00","start":75.12471875,"end":78.76971875000001},{"speaker":"SPEAKER_00","start":79.30971875,"end":82.93784375},{"speaker":"SPEAKER_02","start":84.33846875,"end":86.90346875},{"speaker":"SPEAKER_00","start":86.90346875,"end":89.87346875},{"speaker":"SPEAKER_02","start":92.06721875000001,"end":97.93971875000001},{"speaker":"SPEAKER_02","start":100.23471875000001,"end":100.65659375000001},{"speaker":"SPEAKER_02","start":101.56784375000001,"end":111.32159375},{"speaker":"SPEAKER_00","start":110.42721875000001,"end":113.12721875000001},{"speaker":"SPEAKER_00","start":114.46034375,"end":126.05346875000001},{"speaker":"SPEAKER_02","start":120.95721875000001,"end":122.30721875},{"speaker":"SPEAKER_02","start":126.25596875000001,"end":128.70284375},{"speaker":"SPEAKER_00","start":126.79596875000001,"end":134.86221875},{"speaker":"SPEAKER_02","start":130.44096875,"end":131.09909375},{"speaker":"SPEAKER_00","start":135.70596875,"end":141.20721875},{"speaker":"SPEAKER_00","start":141.46034375000002,"end":146.84346875},{"speaker":"SPEAKER_02","start":147.77159375000002,"end":151.26471875000001},{"speaker":"SPEAKER_02","start":151.46721875,"end":157.23846875},{"speaker":"SPEAKER_02","start":157.54221875000002,"end":158.20034375},{"speaker":"SPEAKER_00","start":158.41971875000002,"end":159.80346875},{"speaker":"SPEAKER_02","start":159.80346875,"end":160.37721875},{"speaker":"SPEAKER_00","start":160.37721875,"end":161.82846875},{"speaker":"SPEAKER_02","start":161.82846875,"end":161.86221875},{"speaker":"SPEAKER_00","start":161.86221875,"end":161.91284375},{"speaker":"SPEAKER_02","start":161.91284375,"end":162.03096875},{"speaker":"SPEAKER_00","start":162.03096875,"end":168.76409375},{"speaker":"SPEAKER_02","start":162.09846875000002,"end":162.14909375000002},{"speaker":"SPEAKER_02","start":164.88284375,"end":165.16971875000002},{"speaker":"SPEAKER_00","start":169.05096875,"end":178.66971875000002},{"speaker":"SPEAKER_02","start":174.97409375,"end":175.34534375},{"speaker":"SPEAKER_02","start":178.80471875,"end":184.86284375000002},{"speaker":"SPEAKER_00","start":184.86284375000002,"end":186.97221875000002},{"speaker":"SPEAKER_02","start":186.97221875000002,"end":189.03096875},{"speaker":"SPEAKER_00","start":188.91284375,"end":209.21346875},{"speaker":"SPEAKER_00","start":209.75346875000002,"end":214.30971875},{"speaker":"SPEAKER_00","start":214.68096875,"end":216.21659375000002},{"speaker":"SPEAKER_00","start":216.75659375,"end":217.81971875000002},{"speaker":"SPEAKER_00","start":218.41034375,"end":222.30846875},{"speaker":"SPEAKER_00","start":222.61221875,"end":230.84721875000002},{"speaker":"SPEAKER_00","start":232.46721875,"end":237.46221875},{"speaker":"SPEAKER_00","start":238.03596875000002,"end":239.03159375},{"speaker":"SPEAKER_00","start":239.63909375000003,"end":240.70221875000001},{"speaker":"SPEAKER_00","start":241.22534375,"end":242.32221875000002},{"speaker":"SPEAKER_00","start":242.52471875,"end":251.68784375},{"speaker":"SPEAKER_00","start":252.24471875,"end":255.33284375000002},{"speaker":"SPEAKER_00","start":255.46784375000001,"end":265.17096875000004},{"speaker":"SPEAKER_00","start":265.52534375,"end":266.20034375},{"speaker":"SPEAKER_02","start":266.35221875,"end":267.98909375},{"speaker":"SPEAKER_00","start":267.85409375,"end":275.21159375},{"speaker":"SPEAKER_02","start":268.07346875,"end":268.10721875},{"speaker":"SPEAKER_02","start":268.22534375000004,"end":268.24221875},{"speaker":"SPEAKER_02","start":268.30971875,"end":269.08596875},{"speaker":"SPEAKER_02","start":275.21159375,"end":275.31284375},{"speaker":"SPEAKER_00","start":275.31284375,"end":275.34659375},{"speaker":"SPEAKER_02","start":275.34659375,"end":281.20221875000004},{"speaker":"SPEAKER_00","start":275.54909375,"end":276.56159375000004},{"speaker":"SPEAKER_00","start":280.56096875000003,"end":281.23596875000004},{"speaker":"SPEAKER_02","start":281.23596875000004,"end":282.04596875000004},{"speaker":"SPEAKER_00","start":282.24846875000003,"end":288.69471875},{"speaker":"SPEAKER_00","start":289.08284375,"end":291.19221875},{"speaker":"SPEAKER_00","start":291.37784375,"end":291.76596875},{"speaker":"SPEAKER_02","start":291.76596875,"end":291.85034375000004},{"speaker":"SPEAKER_00","start":291.85034375000004,"end":291.96846875},{"speaker":"SPEAKER_02","start":291.96846875,"end":292.45784375},{"speaker":"SPEAKER_00","start":292.45784375,"end":292.55909375000005},{"speaker":"SPEAKER_02","start":292.55909375000005,"end":292.64346875},{"speaker":"SPEAKER_00","start":292.64346875,"end":292.66034375000004},{"speaker":"SPEAKER_02","start":292.66034375000004,"end":298.41471875},{"speaker":"SPEAKER_00","start":297.68909375000004,"end":299.78159375},{"speaker":"SPEAKER_02","start":300.15284375000005,"end":300.25409375000004},{"speaker":"SPEAKER_02","start":300.99659375000005,"end":301.57034375},{"speaker":"SPEAKER_00","start":301.30034375,"end":302.83596875},{"speaker":"SPEAKER_02","start":303.05534375,"end":304.54034375000003},{"speaker":"SPEAKER_02","start":304.92846875000004,"end":307.67909375},{"speaker":"SPEAKER_02","start":308.38784375,"end":310.44659375000003},{"speaker":"SPEAKER_02","start":310.73346875000004,"end":312.03284375000004},{"speaker":"SPEAKER_01","start":312.03284375000004,"end":312.04971875},{"speaker":"SPEAKER_02","start":312.04971875,"end":312.06659375000004},{"speaker":"SPEAKER_01","start":312.06659375000004,"end":312.64034375},{"speaker":"SPEAKER_01","start":312.67409375,"end":319.74471875},{"speaker":"SPEAKER_00","start":320.75721875,"end":328.16534375000003},{"speaker":"SPEAKER_00","start":328.73909375,"end":329.26221875000005},{"speaker":"SPEAKER_00","start":329.83596875,"end":332.21534375000005},{"speaker":"SPEAKER_00","start":332.29971875,"end":333.66659375},{"speaker":"SPEAKER_00","start":334.24034375,"end":335.28659375},{"speaker":"SPEAKER_00","start":336.06284375,"end":339.23534375},{"speaker":"SPEAKER_00","start":339.28596875,"end":344.29784375},{"speaker":"SPEAKER_00","start":344.70284375,"end":346.57596875},{"speaker":"SPEAKER_00","start":346.96409375,"end":347.84159375},{"speaker":"SPEAKER_00","start":348.29721875,"end":352.36409375},{"speaker":"SPEAKER_00","start":352.73534375,"end":359.26596875},{"speaker":"SPEAKER_00","start":359.78909375,"end":362.38784375},{"speaker":"SPEAKER_00","start":362.72534375000004,"end":364.98659375},{"speaker":"SPEAKER_00","start":365.29034375000003,"end":367.72034375000004},{"speaker":"SPEAKER_01","start":368.00721875000005,"end":394.90596875},{"speaker":"SPEAKER_00","start":368.29409375,"end":370.45409375},{"speaker":"SPEAKER_00","start":374.74034375,"end":375.70221875000004},{"speaker":"SPEAKER_00","start":392.32409375000003,"end":392.91471875},{"speaker":"SPEAKER_00","start":394.43346875000003,"end":427.74471875},{"speaker":"SPEAKER_01","start":396.27284375000005,"end":396.44159375000004},{"speaker":"SPEAKER_01","start":397.92659375000005,"end":398.58471875000004},{"speaker":"SPEAKER_01","start":400.96409375,"end":402.02721875000003},{"speaker":"SPEAKER_01","start":407.27534375000005,"end":407.81534375},{"speaker":"SPEAKER_01","start":409.43534375,"end":409.84034375000005},{"speaker":"SPEAKER_01","start":413.51909375,"end":414.26159375000003},{"speaker":"SPEAKER_01","start":414.43034375,"end":415.27409375},{"speaker":"SPEAKER_01","start":417.60284375000003,"end":418.64909375},{"speaker":"SPEAKER_01","start":426.58034375000005,"end":431.15346875},{"speaker":"SPEAKER_00","start":428.25096875,"end":428.70659375},{"speaker":"SPEAKER_00","start":429.16221875,"end":430.17471875},{"speaker":"SPEAKER_02","start":430.17471875,"end":434.37659375000004},{"speaker":"SPEAKER_00","start":431.15346875,"end":431.35596875000005},{"speaker":"SPEAKER_01","start":431.35596875000005,"end":431.40659375},{"speaker":"SPEAKER_00","start":431.40659375,"end":431.47409375},{"speaker":"SPEAKER_01","start":431.47409375,"end":431.82846875},{"speaker":"SPEAKER_00","start":431.82846875,"end":431.98034375000003}],"whisperx":[{"start":0.089,"end":1.191,"text":"你本席想邀請部長來 邀請莊部長"},{"start":4.912,"end":33.874,"text":"部長跟金管會金管會主委彭主委請我們一起上議會只有短短5分鐘謝謝因為有相關啦部長首先請問金管會喔每股的交易它結算週期它要由T加2縮短為T加1T加1那麼意味著就是當天買進跟賣出在交易後的一個工作日就要付款那你們也派專案"},{"start":35.415,"end":37.136,"text":"金管會對於T加1的做法你們是不是會樂觀其成?"},{"start":51.158,"end":72.67,"text":"有關這個確實我們有做研議那詳細的部分我們也把一些利弊得失都做一些分析所以我們現在請證交所比如說這個部分我們會從幾個面向再討論我們已經做完這個研究我們會再來評估到底要不要採用也要觀察他們實際的那個績效我們再來決定要不要跟進這樣"},{"start":73.592,"end":73.932,"text":"美國5月28日實施的專案"},{"start":101.618,"end":101.938,"text":"觀察中"},{"start":114.5,"end":114.52,"text":"臨股問題"},{"start":135.572,"end":146.937,"text":"楊瓊瓔"},{"start":147.993,"end":176.815,"text":"領股我們現在在針對它交易的時間我們有做一些改進啦那至於說交易的成本還有就是我們我們可以來進行國際資料的比對啦可以專案去討論嘛可以可以好不好可以專案去討論可以因為小資族有這個聲音出來我們就可以納一個專案來討論到底可不可以通通都一視同仁不要領股又比較貴因為買領股的當然是小資族嘛那我們還是要支持小資族啊"},{"start":177.375,"end":178.015,"text":"接下來就是我們的聯合信用卡中心的統計"},{"start":205.965,"end":221.693,"text":"我們看到去年被詐騙的32.4億你要怎麼樣強化我們整個信用卡風險的一個管理同時我們也知道你現在你認為說我們現在看到銀行公會檢討財政部長在這邊我們看到說他們檢討信用卡被詐騙的發掘最多利用快速移轉"},{"start":232.983,"end":243.609,"text":"電現金高的以及做倒刷交易的主要有三大類遊戲點數、錢包儲值、電子禮券在這樣情況之下營養公會更嚴厲出方案就是說3000塊使用會移轉24個小時之後才能夠生效"},{"start":252.293,"end":257.277,"text":"金管會不會就刷卡額、範圍跟上路的時間這三項來做討論以降低對民眾的一個影響請做說明我們會再討論這個問題會再討論嗎?你看到了這個問題營養工會都已經說出來了這三大類別你們了解這三大類別嗎?現在其實對於打詐還有這些有關信用卡的一些安全的管控全力圍堵"},{"start":282.176,"end":308.148,"text":"楊瓔"},{"start":308.947,"end":314.171,"text":"最後一個議題再給我一分鐘 不好意思主席部長 詐騙的管道各個部門都頭腦脹了 越打越詐"},{"start":336.124,"end":358.713,"text":"被詐的數額越來越多所以本席要再請教民眾跨境網購的這個問題上次本席也請問了所以部長因為我們國人常常跨境公務那關稅署那要怎麼樣去落實宣導跟保障國人的權利因為民眾在進口貨物放行的隔天起6個月內填具申請切結書"},{"start":359.853,"end":360.194,"text":"法禁提貨"},{"start":374.873,"end":375.753,"text":"27日29日有幾個人知道,沒有人知道"},{"start":399.8,"end":413.918,"text":"上一次本席詢問的時候要求你們必須務實去做我也歡喜你們在27號有所做調整那我們還是滾動式檢討看了進行的結果怎麼樣保障民眾的權利好不好 要宣傳"},{"start":414.799,"end":414.819,"text":"蔡議員質詢"}]}},"supported_relations":[],"relations":[]}