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主委你認為台灣的債券市場發行額跟餘額相較差這麼多是不是不具投資吸引力"},{"start":124.751,"end":153.228,"text":"當然台灣的固定這個投資的市場相對是比較小不管公司債或是公債相對我們鄰近國家特別是日本是非常非常高他佔他GDP的比重非常高是的新加坡也是這跟我們過去在一向謹守財政紀律很大的關係所以我們債券市場從我們來看的話是未來我們在推動一個努力的方向對絕對是努力的方向但是債券市場要有投資優惠相關我們來看跟新加坡比好了"},{"start":153.948,"end":177.929,"text":"台灣的外匯管制有 新加坡沒有稅制優惠台灣沒有 新加坡有這些所謂的家族理財台灣沒有任何的優惠規定新加坡兩千萬五千萬的分配都有規定你覺得台灣在這方面要不要加強努力啊包括我們的外匯管制要自由一點我們的其他的優惠法制化要多一點"},{"start":178.973,"end":204.063,"text":"前一陣子就有一個外商銀行總裁來拜會我他就講說他很平心而論說台灣你要做他的觀察他說剛剛就是委員提到這幾件事情他是以對接新加坡的概念就是這些我們沒有所以人家的吸引力就比別人低他說對於某些這個高資產的客戶確實這幾個是有一個外匯的流動這個方便再來就是稅的誘因好我們來看一下那我就幫你問啊"},{"start":205.143,"end":233.366,"text":"雅致中心要不要放寬外匯法規啊央行總裁說很自由了啦問問財長 財長說很優惠了啦請問主委你覺得夠自由夠優惠了嗎當然國際的稅制有各式各樣的標準如果我們真的以跟新加坡來比我們確實還有努力的空間但是我們跟其他國家比不見得說我們當然是跟金融中心的其他國家比就新加坡啦不會跟其他不是金融中心的比啦"},{"start":234.307,"end":251.666,"text":"對 確實就是假設我們的策略如果跟新加坡完全相似的話在這一塊我們是居於劣勢是的 所以說現在拜託我們要發展雅致中心是不是請助我們是不是已經盤點了其他像香港新加坡的金融中心稅制優惠外匯管理規定 聘僱投資專員的這些規定有沒有去盤查過 盤點過 有沒有"},{"start":253.447,"end":275.478,"text":"這個我們隨時都在盤查好 那既然有盤查 可不可以你具體的提出你的願望清單你希望台灣要成為亞之中心 哪些稅制優惠跟哪些法規調整我們會參考 開個清單私下給我我來幫忙繼續問財長跟總裁 可以嗎沒問題 可以可以是你要公開給也可以啦 謝謝 下一個現在我們打炸了啦 打炸 我們打炸很麻煩喔"},{"start":276.673,"end":293.244,"text":"現在只要接受金融機構聯防機的通報單那我們要查金融機構要查什麼他有沒有轉出了 沒有就回報通常都會轉出轉出後要填寫一個通報單通知下一張受款銀行對不對是不是所有的銀行都遵照這個聯防機制了呢"},{"start":294.403,"end":309.057,"text":"據我所知應該是啊這個部分我們就我所知應該不是來我們看一下這邊有一個案子假銀行呢他通知了A銀行跟B銀行他說我們這個轉來這裡的呢已經轉到你那裡了請你該去把它"},{"start":310.049,"end":336.817,"text":"做回報結果呢這個A銀行說沒有這回事因為已經轉了太多層了我再轉下去呢會被客訴他不轉但是呢假銀行很困擾啊你不轉連房積是到我這裡我要不要回報啊所以你告訴我他已經沒有轉出去了你沒有告訴我他有沒有轉出去你也不處理那我就他就給他退件欸A銀行跟假銀行退件了說你不要來煩我那B銀行怎麼做來下一頁B銀行呢就乖乖的照規矩辦"},{"start":338.667,"end":357.759,"text":"請問一下 同樣是銀行 我假銀行按照規定聯邦基金匯進來的錢匯到你們A跟B去了有一家有回報 有一家不回報 怎麼處理我們希望說如果你不回報 你不能到給我退件 你就結案嘛你又不結案 你就退給我 我就不能結案 怎麼處理"},{"start":365.612,"end":384.134,"text":"來 副主委銀行業者可以自行決定不予聯防機制執行嗎如果存款帳號經通報為警示帳號所衍生的聯防機制有沒有法規基礎A銀行說沒有法規基礎我不照辦啊銀行業者他也不用出示公文啊他就說啊這個這個我就可以由員警來說就結案了可以這樣子嗎"},{"start":386.152,"end":414.925,"text":"報委員其實這個聯防機制我們原來是有一個緊緻賬戶的辦法那是銀行法的規定然後裡面因為其實後續衍生了一個就是聯防機制那這個聯防機制是定在銀行公會裡面的會員的規範所以如果就是嚴格而言的話不一定完全沒有法規的機制現在銀行在執行上面如果沒有按照這樣子來做的時候個案方面我們會再了解然後通案的部分我們看看"},{"start":415.385,"end":423.16,"text":"是不是有哪些地方要再加強很好你們會了解會處置那要加強 主委要加強要告訴你為什麼現在聯防大概開始呢"},{"start":426.194,"end":445.252,"text":"我往下看因為現在啊以前大概轉個個位數啊現在都轉四十幾手啊這個四十幾手呢你到了警政署的報案資訊他已經復活不了了就當機了所以連警政署依附現在的詐騙他一直轉手一直轉手很短的時間內轉了四十手"},{"start":446.053,"end":455.22,"text":"所以不要說有的銀行不想往下辦連警政署都當機那請問主委你們現在有在打詐會議嗎行政院有打詐中心的會議嗎"},{"start":456.641,"end":474.606,"text":"我們隨時 有沒有參加我們有 我們的其他同仁會定期的參加我們前陣打造會那我請你做兩件事情一個 你在打造中心回報一個 你們趕快找內政部你們兩個先溝通好警政署的怎麼解決你們銀行怎麼解決 可以嗎可以 沒問題好 所以我就簡單的做個結論"},{"start":476.587,"end":503.893,"text":"是不是請主委你的具體的 你盤點具體的來抵出相照於亞洲地區的其他金融中心我們希望未來台灣亞洲資產管理中心應該具備哪些稅制優惠和法規的調適項目你可以把它盤點出來 而且盡速跟我報告是好 那另外呢 我要請你再來研議確實執行與稽查存款帳戶通報為警示帳戶所衍生的聯防機制的方案因為現在發生有卡關了嘛"},{"start":504.753,"end":533.808,"text":"有的銀行不願往下辦有的銀行照辦銀行局也說要看個案處理警政署那邊如果你真的不辦警政署說 員警說你辦不下去了我給你開個登證明也沒有什麼效力那警政署呢他也附和不了一個詐騙人的轉帳經歷了三四十手他也查不下去了這個問題怎麼解決你們可以先研議一下嗎是 我們會來跟內政部來溝通你們會先跟內政部還是要在打詐中心提出來"},{"start":536.571,"end":557.62,"text":"同步來處理是不是也請副主委現在是銀行局代理局長是不是您再確實的說明這兩個您的期程工作的大概多久可以做好因為現在我們明顯的有街道關於炸團又再度死灰復燃我們銀行的聯防機制快要被攻破你們怎麼因應好"},{"start":561.584,"end":580.47,"text":"委員現在是我想喔因為這個主要是跟那個內政務警政署它的那個系統有關係我們大概在一個月內因為我們其實常常都在一起開會一個月內先跟內政務警政署看看有沒有立刻你們最近一次是什麼時候下一次會是什麼時候昨天其實就已經有跟內政務警政署有講到這個題目嗎"},{"start":581.77,"end":606.448,"text":"沒有 昨天是處理別的議題那下一次什麼時候下一次的話我們是看議題啦那這個議題可不可以拿到下一次談對 可以所以我才會說說我們會再跟警政署再開會然後這個我想說一個月內我們找他們開會一個月內你會跟他開下一次會對那主委如果有機會去行政院的話要把這個問題跟行政院的打招呼提出來行政院也有固定的這樣的會報來討論這些事情"},{"start":608.61,"end":610.733,"text":"好 謝謝諸位謝謝代理好 諸位議長謝謝謝謝委員好 謝謝莊委員的質詢我們現在休息十分鐘"}]},"gazette":{"lineno":546,"blocks":[["鍾委員佳濱：（10時31分）主席、在場委員先進、列席的政府機關首長官員、會場工作夥伴、媒體記者女士先生。有請彭主委，還有莊副主委（代理局長），還有新創處的胡處長。待會問到打詐業務的時候，哪位相關主管就來協助一下。"],["主席：請彭主委、莊副主委、胡處長。"],["彭主任委員金隆：委員好。"],["鍾委員佳濱：主委好、副主委好、處長好。主委，請教一下，亞洲金融中心，東京、香港、新加坡，你覺得亞洲的國家的有錢人都到哪裡去投資？會到臺灣來嗎？"],["彭主任委員金隆：我想這四個都有可能，只是比例的問題。"],["鍾委員佳濱：OK，主委講得很含蓄。我們來看一下，印尼人在海外的資產有八成在新加坡，印尼的有錢人大概有2,500億美金的資產在海外，八成放在新加坡，印尼的富裕人口大概占了0.71%；高淨值的投資人占得更少，但是他們持有了將近九成，然後是放在流動性資產，也就是說，印尼有錢人不會在印尼買房地產，他都投入了離岸債券，且離岸債券占他們總投資額的36%，這是因為債券的投報穩定，所以債券市場可以反映該地區經濟和金融市場開放程度，主委同意嗎？"],["彭主任委員金隆：當然。"],["鍾委員佳濱：好，我們往下看，除了印尼，亞洲其他地方我們也來盤點一下，新加坡在疫情後，它長期債券的發行額漲了六成，達到770億美金；香港900億；我們臺灣的央行大概只有480億，你剛剛說到比例，我就把比例給您看一下，日本目前債券市場是13.3兆，是全球第三大。請問一下主委，你認為臺灣的債券市場發行額跟餘額相較差這麼多，是不是不具投資吸引力？"],["彭主任委員金隆：當然臺灣固定投資的市場，相對是比較小，不管公司債或是公債，相對於我們鄰近國家，特別是日本，占它GDP比重非常高；新加坡也是，這跟我們過去一向謹守財政紀律有很大的關係，所以我們的債券市場就我們的角度來看，未來是我們在推動上一個可能……"],["鍾委員佳濱：努力的方向？"],["彭主任委員金隆：對！對！對！絕對是我們努力的方向。"],["鍾委員佳濱：但是債券市場要有投資優惠及相關的配套，就跟新加坡比好了，外匯管制，臺灣是有的，但新加坡沒有；稅制優惠，臺灣沒有，但新加坡有；所謂的家族理財，臺灣沒有任何的優惠規定，新加坡就2,000萬、5,000萬都分別有規定。你覺得臺灣在這方面要不要加強努力？包括我們的外匯管制要自由一點，我們其他的優惠法制化要多一點。"],["彭主任委員金隆：前一陣子有一個外商銀行總裁來拜會我，他提到，平心而論，如果臺灣要做委員剛才提到的這幾件事，就他的觀察，他是以對接新加坡的概念……"],["鍾委員佳濱：因為這些我們都沒有，所以對人家的吸引力就比其他國家低。"],["彭主任委員金隆：他說，對於某些高資產的客戶，確實這幾個是誘因，像有一個外匯流動上的方便，再來就是稅的誘因。"],["鍾委員佳濱：好，我們來看一下，我就幫你問央行總裁：「亞資中心要不要放寬外匯法規？」央行總裁說很自由了。我也有問財長，財長說很優惠了。請問主委，你覺得夠自由、夠優惠了嗎？"],["彭主任委員金隆：當然國際的稅制有各式各樣的標準，如果我們真的跟新加坡來比，我們確實還有努力的空間，但是我們跟其他國家比，不見得比較嚴格。"],["鍾委員佳濱：我們當然要跟是金融中心的其他國家比，也就是新加坡，不會跟其他不是金融中心的國家比啦！"],["彭主任委員金隆：對，我們的策略如果跟新加坡完全相似的話，在這一塊我們是居於劣勢。"],["鍾委員佳濱：是的，所以現在要拜託你們，我們要發展亞資中心，主委，我們是不是已經盤點了像香港、新加坡這些金融中心的稅制優惠、外匯管理規定、聘僱投資專員等相關規定？有沒有去盤查過、盤點過？"],["彭主任委員金隆：這個我們隨時都在盤查。"],["鍾委員佳濱：好，既然有盤查，你可不可以具體的提出你的願望清單？你希望臺灣要成為亞資中心，那我們可以參考哪些稅制優惠跟哪些法規調整，你開一個清單私下給我，我來幫忙繼續問財長跟總裁，可以嗎？"],["彭主任委員金隆：沒問題，可以。"],["鍾委員佳濱：你要公開給也可以，謝謝。","現在我要問打詐了，打詐的問題很麻煩喔！現在只要接獲金融機構聯防機制的通報單，那金融機構要查什麼？要查它有沒有轉出了，如果沒有就回報。通常都會轉出，轉出後要填寫一個通報單，通知下一家匯款的受款銀行，對不對？是不是所有的銀行都遵照這個聯防機制了呢？"],["彭主任委員金隆：據我所知，應該是，這個部分我們……"],["鍾委員佳濱：據我所知，應該不是。我們看一下這邊有一個案子，甲銀行通知了A銀行跟B銀行，他說這個轉來這裡的已經轉到你那裡了，請你要去把它做回報，結果這個銀行說沒有這回事，因為已經轉了太多層了，我再轉下去會被客訴，所以他不轉，但是甲銀行就很困擾，因為你不轉，聯防機制到我這裡，我要不要回報啊？除非你跟我說他已經沒有轉出去了，可是你沒有跟我說他有沒有轉出去，你也不處理，結果就給他退件欸！A銀行對甲銀行退件，還說你不要來煩我，那B銀行怎麼做？我們看下一頁，B銀行就乖乖的照規矩辦。請問一下，同樣是銀行，甲銀行按照規定依聯防機制把匯進來的錢匯到A銀行跟B銀行去了，然後有一家有回報、有一家不回報，要怎麼處理？我們希望的是如果你不回報，你不能退件給我，你就結案嘛！可是你又不結案，你就退給我，我就不能結案，要怎麼處理？副主委，銀行業者可以自行決定不依聯防機制執行嗎？如果存款帳號經通報為警示帳號，所衍生的聯防機制有沒有法規基礎？A銀行說沒有法規基礎，我不照辦，銀行業者也不用出示公文，他就說只要由員警授權就結案了，可以這樣子嗎？"],["莊副主任委員琇媛：報告委員，其實這個聯防機制，我們原來是有一個警示帳戶的辦法，那是銀行法的規定，後續就是衍生一個聯防機制，這個聯防機制是訂在銀行公會的會員規範裡面，所以嚴格而言的話，不一定完全沒有法規的機制，現在銀行在執行上面如果沒有按照這樣子來做的時候，個案方面我們會再了解，然後通案的部分我們看看是不是有哪些地方要再加強。"],["鍾委員佳濱：很好，你們會了解、會處置、要加強，主委，要加強要告訴你啦！為什麼現在聯防會開始呢？我們往下看，因為以前大概轉的次數是個位數，現在都轉四十幾手，警政署對報案資訊已經負荷不了，就當機了，所以連警政署要應付現在的詐騙，因為一直轉手、一直轉手，在很短的時間內轉了40手，所以不要說有的銀行不想往下辦，連警政署都當機了。主委，請問你們現在有打詐會議嗎？行政院有打詐中心的會議嗎？你們有沒有參加？"],["彭主任委員金隆：有，我們其他的同仁會定期參加行政院的打詐會議。"],["鍾委員佳濱：那我請你做兩件事情，一個是你在打詐中心回報；一個是你們趕快找內政部，你們兩個先溝通好，看警政署的要怎麼解決，你們銀行要怎麼解決，可以嗎？"],["彭主任委員金隆：可以，沒問題。"],["鍾委員佳濱：好，我就簡單的做個結論。主委，請你在盤點後具體的提出，相較於亞洲地區的其他金融中心，我們希望未來臺灣亞洲資產管理中心應該具備哪些稅制優惠和法規的調適項目，請你把它盤點出來，而且儘速跟我報告。"],["彭主任委員金隆：是。"],["鍾委員佳濱：另外，我要請你研議「確實執行與稽查存款帳戶經通報為警示帳戶所衍生之聯防機制」之方案，因為現在發生卡關了，有的銀行不願意往下辦，有的銀行照辦，銀行局也說要看個案處理，到了警政署那邊，如果你真的不辦，員警說你辦不下去，我就給你開個登記證明，也沒有什麼效力，那警政署也負荷不了，因為一個詐騙的轉帳經歷了三、四十手，他也查不下去了，對於這個問題要怎麼解決，你們可以先研議一下嗎？"],["彭主任委員金隆：是，我們會來跟內政部溝通。"],["鍾委員佳濱：你們會先跟內政部講還是要在打詐中心提出來？都會做？"],["彭主任委員金隆：對，同步來處理。"],["鍾委員佳濱：副主委現在是銀行局代理局長，請您再確實的說明這兩個工作的期程，大概多久可以做好？因為現在我們明顯的有接到詐團又再度死灰復燃，我們銀行的聯防機制快要被攻破，你們怎麼因應？"],["莊副主任委員琇媛：委員，我想這個主要是跟內政部警政署的系統有關係，因為我們其實常常都在一起開會，我們在一個月內先跟內政部警政署來看看有沒有立刻……"],["鍾委員佳濱：你們最近一次是什麼時候？下一次會是什麼時候？"],["莊副主任委員琇媛：昨天其實就已經有跟內政部警政署……"],["鍾委員佳濱：有講到這個題目嗎？"],["莊副主任委員琇媛：沒有，昨天是處理別的議題。"],["鍾委員佳濱：那下一次是什麼時候？"],["莊副主任委員琇媛：下一次我們是看議題，沒有很……"],["鍾委員佳濱：那這個議題可不可以拿到下一次談？"],["莊副主任委員琇媛：可以，所以我才會說我們會再跟警政署開會，我想我們在一個月內找他們開會。"],["鍾委員佳濱：在一個月內你們會跟他們開下一次會？"],["莊副主任委員琇媛：對。"],["鍾委員佳濱：好，主委，如果你有機會去行政院的話，要把這個問題跟行政院的打詐中心提出來。"],["彭主任委員金隆：會，行政院也有這樣的固定會報來討論這件事情。"],["鍾委員佳濱：好，謝謝主委，謝謝副主委。"],["彭主任委員金隆：謝謝委員。"],["主席：謝謝鍾委員的質詢。我們現在休息10分鐘。","休息（10時41分）","繼續開會（10時51分）"],["主席（林委員思銘代）：報告委員會，我們現在繼續開會。","接下來我們請李坤城委員進行質詢。"]],"agenda":{"page_end":478,"meet_id":"委員會-11-3-20-4","speakers":["賴士葆","林德福","吳秉叡","顏寬恒","郭國文","賴惠員","李彥秀","鍾佳濱","李坤城","林思銘","黃珊珊","羅明才","陳玉珍","王世堅","張啓楷","徐欣瑩","邱志偉","楊瓊瓔"],"page_start":419,"meetingDate":["2025-03-26"],"gazette_id":"1143101","agenda_lcidc_ids":["1143101_00008"],"meet_name":"立法院第11屆第3會期財政委員會第4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":"1143101_00007"}}},"supported_relations":[],"relations":[]}