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有責任下架不滑的一個投資廣告那當然就是說這個這一套那個收報的一個機制在去年"},{"start":104.787,"end":105.848,"text":"主席主席主席"},{"start":126.728,"end":140.423,"text":"網頁上有特別標列了鄭麒麒在今年8月接獲了100件的金融詐騙案的一個澄清案是創了今年單頁的新高今年累計已經接獲了523件詐騙案的一個澄清案"},{"start":146.687,"end":172.949,"text":"主委 是有沒有就是說去討論這一些詐騙案它有沒有地區的一個特性譬如說它是在臺南被騙的它是在六都被騙的還是六都以外的區域被騙的呢你們有沒有做過這樣子的一個我們現在的資料你們是用總體的資料並沒有按照地區別啦那如果未來有需要我們可以看看有沒有在有沒有這個可能性來做這個統計"},{"start":175.077,"end":189.526,"text":"可是如果那你們就是進入到大水庫的一個概念上所以你們沒有特別去蒐證就是說那個到底是這個被詐騙的一個區域是在哪裡那主委你的經驗裡頭被詐騙比較多的是在都會區還是會都會區呢"},{"start":194.469,"end":221.664,"text":"你的經驗、經驗法則因為我們看到他們大家都是使用那個社群媒體跟比如說我們最常用的Meta跟Line的這樣一個組合來做那本來就是每個人都有機會會碰到對所以那當然這個部分的話如果說按照這個應該是蠻均勻分配但這跟我們的市大能力有關這我現在是沒有這樣的數據啦那法務部可能提供給你嗎"},{"start":224.09,"end":238.855,"text":"我們在做的主要是資訊的溝通跟跟互相的這個協同作業像比如說我們的臨櫃關懷就是跟警政單位就是非常非常密切的合作還有就是我們的疑似詐騙的帳戶有沒有這些都是我們"},{"start":239.335,"end":252.545,"text":"好 主委你特別提到了零貴的一個關懷那如果就是說我們如果從這一個零貴的關懷在今年那個前7個月的時候我們金融機構對於零貴關懷我們主柵了近7000件喔"},{"start":257.449,"end":280.976,"text":"那我們攔下了台幣47億這個是一個非常大的一個數字那所以我們也是從這個數字裡頭2023年到今年的7月底以前金融機構透過零貴的一個關懷主詐的一個金額其實已經超過120億了那如果我們大概可以推算你一年主詐的金額大概有70億"},{"start":283.137,"end":299.556,"text":"這70億的話你有沒有就是說做什麼樣的一個方式這70億是繳回國庫嗎還是就是說你們有分配到就是銀行裡頭對於主詐詐騙的過程裡頭可以更靈活那也平衡安全的一個考量"},{"start":300.177,"end":321.415,"text":"注重隱私就是簡單的講說金管會在這一方面有沒有提供銀行、零貴、人員相關的SOP或是演訓的一個培訓還是攔阻成功的一個獎金最重要是獎金有沒有這樣子的一個這個各位報告其實剛剛委員提到其實我們在第一線的銀行也非常的辛苦"},{"start":321.995,"end":348.016,"text":"對而且他們過去真的那個真的付出了非常非常多的努力保護剛剛委員提到我們這一年半的時間就這樣一件一件攔攔下了120億是那這個當然就是各銀行其實那我目前金管會並沒有提供這樣的獎金但是我們會我們是非常支持銀行的這個他們各個銀行要非常支持這些行業們像比如說我們在8月8月的時候呢主委那我想請教你這個120億跑到哪裡去了"},{"start":350.478,"end":374.623,"text":"那個就是民眾沒有被詐騙成功的錢那是民眾的錢對這是回到民眾的錢那所以這些銀行的櫃台銀行這些同仁是不是值得鼓勵當然當然他們也需要就是說特別的一個訓練那銀行局有沒有這樣子的一個規劃我們像比如說我們剛剛8月5號的時候我們把那個十大那個"},{"start":375.503,"end":378.285,"text":"有限公司、臺灣集中保管結算所股份有限公司、臺灣集中保管結算所股份"},{"start":398.739,"end":419.548,"text":"銀行端來好好的鼓勵我們這些的辛苦的行員們對那接著就是說打造式法我們已經三讀通過了今晚會議計在這個年底完成配套的執法那你這個配套的執法有沒有一個時程的規劃有當然就是我們剛才其實委員有提到本來這次叫年底的但是我們這次呢會"},{"start":420.899,"end":447.356,"text":"按照行政院的指示有可能提前一個月所以說我們這部分希望能夠盡快來實施讓它具有法源讓它具有法源是的好那主委我想不論是黃詐騙還是促進數位金融的一個應用這個相關的宣傳相關的宣傳跟教育都非常的重要那這個失智證的一個提供的一個服務友善的一個金融一條街這一個那個就是在"},{"start":447.956,"end":459.71,"text":"找機會跟主委做探討特別我有一個比較特別的這個是我不知道主委看過這本書沒有這本書是金融的基礎教育學生的手冊"},{"start":461.092,"end":481.507,"text":"那我們認真的把它要回來要回來就是研究了那我們覺得說這個手冊其實它是適用在小學三年級以上三年級到六年級可是它的內容寫得太深了那為什麼一年級到三年級沒有這樣的一個手冊呢你如何的用錢"},{"start":484.126,"end":501.585,"text":"這個普及那個金融交易的普及我覺得是在最基層的扎根還有就是說你們這一套書其實已經編了很久了內容你應該我等一下那個送給你你拿回去參考看看內容太深了啦"},{"start":503.22,"end":528.702,"text":"這個我想小學生要看得懂你這一本書顯然其實是非常辛苦的非常辛苦的所以我覺得這個基礎教育是有一點這個學生手冊是有一點就是好像是應付了事編得非常非常的不好這個內容我們來精進對所以這個也是要跟就是那個"},{"start":530.373,"end":546.912,"text":"主委做一個建議那當然走入校園跟社區的辦理金融知識的一個宣傳的活動那你們從2006年開始金管會就結合銀行局就在不斷的那個就是做這個場次的宣傳到了2022年你們總共辦了7846場"},{"start":551.337,"end":574.212,"text":"看起來好像人數很多那你宣傳的對象就從國小三年級到六年級那一直就是這個有很多很多一個那個就是各種面向那我要針對的就是說你走入校園跟社區辦理金融知識的一個宣傳的活動這個前四大其中有一個單位"},{"start":575.253,"end":583.143,"text":"特別的有意思你在國小你用了27%可是你矯正機關你竟然用了15%這個矯正機關為什麼要用15%這個是一個非常諷刺的一個問題"},{"start":589.963,"end":604.19,"text":"我覺得這個緩差緩差的一個場域是不是因為在矯正機關裡頭其實這些人這些人基本上是不是應該就是接受就是金融知識的一個宣傳嗎"},{"start":605.711,"end":621.631,"text":"這根文報告主要是因為我們的矯正機關是法務部那邊他會主動的要求我們提供這個課程因為他也是他矯正這個工作的一部分我們提供一個所以他這個比重會看起來會比較高一點這是因為他本來就是有這個課程提供請我們"},{"start":622.532,"end":646.906,"text":"可是事實上主委你把這個放在繳稅機關因為你們顯然是說被動的嘛你們不是主動的嘛那如果是主動的話你把它放在這個地方我覺得效果是不好的況且如果你們要真的嚴格上來講的話你們每一個月其實每一個月你們可以辦200場那16年來你應該不是只有累積不到8000場"},{"start":648.627,"end":664.498,"text":"所以說基本上就是說你應該加強辦理況且你辦理的地方我覺得這個還是有待我們再修正你這個緩差感很大讓人家覺得很諷刺為什麼是在這個矯正機關我認為建議建議應該在幾個地方可以帶來更好的宣傳效果在大專院校"},{"start":671.903,"end":693.741,"text":"職業訓練的那個中心因為年輕人他要進入職場了嘛所以他必須要很好的一個理財的觀念金融的一個知識嘛那甚至在社區中心還是公民活動中心因為這個是居民聚集的地方他其實對於老百姓他就是說他有一般的一個債務的一個規劃有實際的需要還是說他預算"},{"start":694.161,"end":711.912,"text":"他要怎麼樣去規劃他的退休的一個資金還有企業跟職場的一個培訓公共圖書館主委我想這個就是金融知識的宣傳顯然我們還要再多做加強謝謝確實剛才比說大專業校確實我們是未來的重點"},{"start":713.373,"end":720.317,"text":"這本書我覺得有很多探討的內容沒有注音,內容太深了,謝謝"}]}},"supported_relations":[],"relations":[]}