{"error":false,"id":["159636"],"data":{"IVOD_ID":159636,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/159636","日期":"2025-03-26","會議資料":{"會議代碼":"委員會-11-3-20-4","會議代碼:str":"第11屆第3會期財政委員會第4次全體委員會議","屆":11,"會期":3,"會次":4,"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3會期財政委員會第4次全體委員會議"},"影片種類":"Clip","開始時間":"2025-03-26T12:01:57+08:00","結束時間":"2025-03-26T12:08:46+08:00","影片長度":"00:06:49","支援功能":["ai-transcript","gazette"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/8cb7ec0b2cd1ea3423e5f6cf04938b599336bc333af6bdb00b0900eab363510f3b03e28eaf265d4f5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"張啓楷","委員發言時間":"12:01:57 - 12:08:46","會議時間":"2025-03-26T09:00:00+08:00","會議名稱":"立法院第11屆第3會期財政委員會第4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【3月24日及26日二天一次會】）","transcript":{"pyannote":[{"speaker":"SPEAKER_00","start":5.5153437499999995,"end":9.126593750000001},{"speaker":"SPEAKER_00","start":9.98721875,"end":10.98284375},{"speaker":"SPEAKER_00","start":13.547843750000002,"end":14.15534375},{"speaker":"SPEAKER_00","start":14.745968750000003,"end":17.04096875},{"speaker":"SPEAKER_00","start":17.90159375,"end":20.78721875},{"speaker":"SPEAKER_00","start":21.83346875,"end":24.73596875},{"speaker":"SPEAKER_01","start":25.00596875,"end":25.309718750000002},{"speaker":"SPEAKER_00","start":25.461593750000002,"end":29.579093750000002},{"speaker":"SPEAKER_00","start":30.13596875,"end":33.73034375},{"speaker":"SPEAKER_00","start":34.82721875,"end":35.26596875},{"speaker":"SPEAKER_00","start":36.10971875,"end":37.24034375},{"speaker":"SPEAKER_00","start":38.033468750000004,"end":42.032843750000005},{"speaker":"SPEAKER_00","start":43.16346875,"end":44.61471875},{"speaker":"SPEAKER_00","start":44.83409375,"end":46.63971875},{"speaker":"SPEAKER_00","start":47.04471875,"end":48.86721875},{"speaker":"SPEAKER_00","start":49.05284375,"end":51.56721875},{"speaker":"SPEAKER_00","start":52.02284375,"end":56.157218750000006},{"speaker":"SPEAKER_00","start":56.781593750000006,"end":58.53659375},{"speaker":"SPEAKER_00","start":58.97534375,"end":59.93721875000001},{"speaker":"SPEAKER_00","start":60.713468750000004,"end":62.99159375000001},{"speaker":"SPEAKER_00","start":63.46409375,"end":65.97846875},{"speaker":"SPEAKER_00","start":66.68721875,"end":67.51409375},{"speaker":"SPEAKER_00","start":67.80096875000001,"end":68.52659375},{"speaker":"SPEAKER_00","start":68.59409375,"end":69.31971875},{"speaker":"SPEAKER_00","start":69.70784375000001,"end":70.53471875000001},{"speaker":"SPEAKER_00","start":71.24346875,"end":71.73284375},{"speaker":"SPEAKER_00","start":72.91409375,"end":75.04034375},{"speaker":"SPEAKER_00","start":75.96846875,"end":77.99346875},{"speaker":"SPEAKER_00","start":79.12409375,"end":82.04346875},{"speaker":"SPEAKER_00","start":82.70159375,"end":83.37659375000001},{"speaker":"SPEAKER_00","start":83.96721875,"end":87.51096875},{"speaker":"SPEAKER_00","start":88.15221875,"end":88.91159375000001},{"speaker":"SPEAKER_00","start":89.67096875,"end":92.57346875},{"speaker":"SPEAKER_00","start":92.89409375000001,"end":96.75846875},{"speaker":"SPEAKER_00","start":96.91034375000001,"end":97.63596875},{"speaker":"SPEAKER_00","start":98.02409375,"end":98.74971875},{"speaker":"SPEAKER_00","start":99.66096875000001,"end":100.53846875},{"speaker":"SPEAKER_00","start":103.37346875,"end":104.36909375},{"speaker":"SPEAKER_00","start":104.57159375,"end":105.38159375000001},{"speaker":"SPEAKER_00","start":105.70221875,"end":107.10284375},{"speaker":"SPEAKER_00","start":109.76909375000001,"end":113.00909375},{"speaker":"SPEAKER_00","start":113.32971875000001,"end":117.07596875},{"speaker":"SPEAKER_00","start":117.39659375000001,"end":119.08409375000001},{"speaker":"SPEAKER_00","start":119.74221875,"end":122.86409375000001},{"speaker":"SPEAKER_01","start":123.30284375000001,"end":128.16284375},{"speaker":"SPEAKER_01","start":128.53409375,"end":137.56221875},{"speaker":"SPEAKER_01","start":137.64659375000002,"end":140.46471875},{"speaker":"SPEAKER_01","start":141.15659375,"end":144.14346875},{"speaker":"SPEAKER_01","start":144.73409375,"end":151.53471875},{"speaker":"SPEAKER_00","start":150.92721875,"end":151.68659375000001},{"speaker":"SPEAKER_00","start":152.05784375000002,"end":153.67784375000002},{"speaker":"SPEAKER_00","start":154.09971875000002,"end":158.80784375000002},{"speaker":"SPEAKER_00","start":159.38159375,"end":160.12409375000001},{"speaker":"SPEAKER_00","start":161.08596875,"end":165.97971875000002},{"speaker":"SPEAKER_01","start":165.97971875000002,"end":165.99659375000002},{"speaker":"SPEAKER_00","start":165.99659375000002,"end":166.03034375000001},{"speaker":"SPEAKER_01","start":166.03034375000001,"end":174.51846875},{"speaker":"SPEAKER_01","start":174.83909375000002,"end":182.56784375},{"speaker":"SPEAKER_01","start":183.15846875000003,"end":218.03909375},{"speaker":"SPEAKER_00","start":218.03909375,"end":218.44409375},{"speaker":"SPEAKER_01","start":218.44409375,"end":219.20346875},{"speaker":"SPEAKER_00","start":218.46096875,"end":239.55471875},{"speaker":"SPEAKER_01","start":223.91159375,"end":224.68784375},{"speaker":"SPEAKER_01","start":230.99909375000001,"end":232.73721875},{"speaker":"SPEAKER_01","start":233.88471875000002,"end":236.85471875000002},{"speaker":"SPEAKER_01","start":238.60971875,"end":239.14971875},{"speaker":"SPEAKER_00","start":239.84159375000002,"end":245.00534375},{"speaker":"SPEAKER_01","start":244.88721875000002,"end":248.31284375},{"speaker":"SPEAKER_00","start":245.07284375,"end":246.69284375},{"speaker":"SPEAKER_00","start":247.65471875000003,"end":251.87346875000003},{"speaker":"SPEAKER_01","start":249.44346875000002,"end":251.41784375},{"speaker":"SPEAKER_01","start":251.87346875000003,"end":251.99159375000002},{"speaker":"SPEAKER_00","start":252.34596875000003,"end":253.51034375},{"speaker":"SPEAKER_01","start":252.68346875,"end":253.15596875000003},{"speaker":"SPEAKER_00","start":253.71284375000002,"end":259.73721875},{"speaker":"SPEAKER_01","start":254.26971875,"end":254.65784375},{"speaker":"SPEAKER_00","start":260.14221875000004,"end":261.62721875},{"speaker":"SPEAKER_00","start":262.55534375,"end":266.43659375000004},{"speaker":"SPEAKER_00","start":266.87534375,"end":268.14096875},{"speaker":"SPEAKER_01","start":268.29284375000003,"end":268.54596875000004},{"speaker":"SPEAKER_00","start":269.08596875,"end":269.55846875000003},{"speaker":"SPEAKER_00","start":270.68909375000004,"end":273.82784375},{"speaker":"SPEAKER_00","start":274.13159375000004,"end":276.83159375},{"speaker":"SPEAKER_00","start":277.42221875,"end":278.11409375},{"speaker":"SPEAKER_00","start":278.75534375,"end":282.95721875000004},{"speaker":"SPEAKER_00","start":283.31159375000004,"end":284.18909375000004},{"speaker":"SPEAKER_00","start":284.45909375,"end":285.15096875},{"speaker":"SPEAKER_00","start":285.50534375,"end":295.96784375000004},{"speaker":"SPEAKER_01","start":288.12096875000003,"end":288.18846875},{"speaker":"SPEAKER_01","start":295.96784375000004,"end":301.26659375},{"speaker":"SPEAKER_00","start":299.37659375000004,"end":303.91596875000005},{"speaker":"SPEAKER_00","start":304.13534375,"end":306.53159375},{"speaker":"SPEAKER_01","start":304.35471875,"end":304.69221875},{"speaker":"SPEAKER_00","start":306.85221875,"end":308.59034375000005},{"speaker":"SPEAKER_01","start":307.93221875,"end":308.50596875},{"speaker":"SPEAKER_00","start":308.89409375,"end":309.88971875000004},{"speaker":"SPEAKER_00","start":310.12596875,"end":327.06846875},{"speaker":"SPEAKER_01","start":315.15471875000003,"end":315.27284375},{"speaker":"SPEAKER_01","start":327.30471875,"end":335.38784375},{"speaker":"SPEAKER_01","start":335.80971875,"end":340.72034375000004},{"speaker":"SPEAKER_01","start":341.37846875,"end":344.33159375},{"speaker":"SPEAKER_01","start":344.73659375,"end":353.59596875},{"speaker":"SPEAKER_00","start":346.06971875000005,"end":346.37346875000003},{"speaker":"SPEAKER_00","start":353.59596875,"end":353.96721875000003},{"speaker":"SPEAKER_01","start":353.96721875000003,"end":354.03471875},{"speaker":"SPEAKER_00","start":354.03471875,"end":362.97846875000005},{"speaker":"SPEAKER_01","start":362.97846875000005,"end":363.02909375},{"speaker":"SPEAKER_00","start":363.02909375,"end":363.70409375},{"speaker":"SPEAKER_01","start":363.38346875,"end":367.26471875000004},{"speaker":"SPEAKER_00","start":364.76721875000004,"end":374.53784375000004},{"speaker":"SPEAKER_01","start":373.28909375,"end":374.55471875},{"speaker":"SPEAKER_00","start":374.55471875,"end":378.30096875000004},{"speaker":"SPEAKER_01","start":375.39846875,"end":376.15784375000004},{"speaker":"SPEAKER_00","start":378.97596875000005,"end":392.18909375000004},{"speaker":"SPEAKER_01","start":383.07659375000003,"end":383.21159375},{"speaker":"SPEAKER_01","start":386.40096875,"end":388.89846875},{"speaker":"SPEAKER_01","start":389.48909375000005,"end":392.15534375000004},{"speaker":"SPEAKER_01","start":392.71221875000003,"end":396.17159375},{"speaker":"SPEAKER_00","start":392.74596875000003,"end":394.56846875},{"speaker":"SPEAKER_01","start":396.27284375000005,"end":397.79159375},{"speaker":"SPEAKER_01","start":407.88284375,"end":409.14846875}],"whisperx":[{"start":5.509,"end":33.356,"text":"來請剛才王世堅、王委員說高漲分的彭子維來來彭子維請張維好彭子維90分很高耶加管喔可是要維持90分這個高分啊你們這個在打欸你們負責主詐嘛對不對是詐騙是現在全國台灣民眾最大的痛你們負責主詐這一塊啊這個要做出來要不然90分真的不容易啦來看一看我們來看一看喔"},{"start":34.878,"end":51.292,"text":"我上這個打債100萬去看前天啦 光是前天啦24號禮拜一全國這個詐騙案件就高達566件被詐騙的金額這是有報案的喔3億3161萬這該不包括黑數沒有吧 真的是很嚴重2月份啦"},{"start":60.928,"end":77.644,"text":"發生的件數就超過一萬件詐騙金額高達六十億所以讓我今天要跟很特別的要問這個主委銀行是你們管的對不對銀行應該是主債的一部分"},{"start":79.335,"end":106.732,"text":"結果有一個新聞太特別了一共有一位銀行退休擁有31年的主管他還攻讀了兩個政大碩士的學位高階主管李小姐也掉進這個投資詐騙裡面去短短五個月被剪走了短短五個月被剪走了三千兩百萬"},{"start":109.79,"end":127.858,"text":"我先請教主委你們負責主詐的啊結果你們你們的銀行這個退休高階的主管都被撿進去都被詐騙了你輸了90分要當到90分你會做什麼一個措施當然就是剛好遇到所有的詐騙我們都覺得對受害人都"},{"start":128.618,"end":143.079,"text":"都寄予最高的關懷不過這個案子我們也稍微了解一下我想這位受害人他也在他的臉書上很早就發文說過他也提到就是說確實整個詐騙過程當中銀行對他已經做了很多的關懷比如說"},{"start":144.781,"end":159.775,"text":"他也詢問他說你這個錢要做什麼他說開寵物店嘛他確實也是有這樣一個所以銀行在整個過程中我看到新聞是李小姐埋怨說那為什麼我去領大額的現金沒有一個"},{"start":161.141,"end":181.508,"text":"人家提醒我說你為什麼要領這麼多啊他說以前在銀行只要領比較多現金都會問啊這個委員其實我們所有案子只要上新聞我們都會請銀行去把整個過程把他們所有關懷紀錄都有通常很多時候呢我們看到的報導跟真實是會有點出入的啦其實我們銀行行員我想在座現場"},{"start":183.626,"end":204.264,"text":"我們很多銀行員在看他們都知道說不可能沒有去關懷而且現在關懷現在B獎詐團真的在這個過程整個在交這些過程確實是已經有進階比如說我們曾經有遇到案子他說你是要做裝潢裝潢本來就是一個很高的高度關切的甚至他能夠提供契約"},{"start":205.285,"end":230.243,"text":"所以很多時候銀行行員他是在做銀行的業務的服務他不是在一個犯罪偵房機構其實我們對銀行來講所以行員也是滿度委屈說其實我做了為什麼還會被講說我不聞不問所以你要去查其實是有說的啦我們要還人家公道啦不過我們做兩件事啦好不好如果從這個案子第一個本來是主詐的這個銀行員退休都還會被騙其實他不是單一個案"},{"start":230.603,"end":236.086,"text":"所以要加強他們這個宣導跟要請他們避免下一個悲劇再產生第二個當然本來外界如果看了原來新聞會擔心說銀行員沒有提醒那就請務必落實好不好我們知道銀行員非常辛苦請務必落實好不好去年就組了100億"},{"start":252.295,"end":257.16,"text":"那另外有一個事情也要做的最近啦這個詐騙金額裡面有相當高的比例都是虛擬貨幣去支付的嘛"},{"start":270.711,"end":294.64,"text":"到底要怎麼樣去避免那一定是要訂專法對不對趕快去有專法一個我看你這個四階段的納管這個階段你現在停在第三我看你之前講的就是你六月份要把這個專法要送到行政院對現在馬上要預告我們的條文所以我現在沒有看到預告預告是兩個月前所以你四個月最近一定要先預告對不對"},{"start":295.06,"end":320.535,"text":"所以現在我們應該馬上就要預告我們現在已經開過很多公聽會當時也預告?你如果六月底之前要送行政院昨天預告昨天已經預告了?對,六十天那當然預告會聽到一些消息啦會聽到一些不同的意見要進一步再進一步沒有問題,我們預告的時候持續開公聽會另外有一個也是有關的"},{"start":321.115,"end":340.427,"text":"你現在叫我們國內23間的這個虛擬資產的業者你要來登記嘛對不對對就是3月31做洗房聲明的這20幾家必須要在3月31號以前做登記算了就登不幾天了耶還有一個禮拜我的了解現在登記的怎麼樣好像只有"},{"start":341.428,"end":363.485,"text":"有現在有應該4家吧有10家23家才有10家來登記而已喔沒有他們其實上我們還有時間他們也在做準備啊我們有去詢問他們兩個啦一個當然是要宣導啦而且第二個一定要執行喔他如果不來他又違法去經營他是兩年以下有期徒刑對不對那當然是因為"},{"start":364.145,"end":365.467,"text":"既然你已經要決定要納管了"},{"start":379.071,"end":388.839,"text":"剩幾天竟然23家只有10家好我跟他們溝通一下要他們清楚的知道他一定要來登記好不好我們有在溝通嘛謝謝到時候一定要落實重罰好不好那當然謝謝好謝謝委員好謝謝張委員的諮詢下一位請徐欣怡委員諮詢"},{"start":407.971,"end":407.992,"text":"好,謝謝"}]},"gazette":{"lineno":990,"blocks":[["張委員啓楷：（12時1分）請剛才王世堅委員說90分的彭主委。"],["主席：彭主委請。"],["彭主任委員金隆：張委員好。"],["張委員啓楷：彭主委，90分很高耶！可是要維持90分這個高分，你們負責阻詐，詐騙是現在臺灣全國民眾最大的痛，你們負責主詐這一塊，這個要做出來，要不然90分真的不容易。","我們來看一下，我上打詐儀錶板去看，光是前天（24號禮拜一）全國的詐騙案件就高達566件，被詐騙的金額為3億3,161萬，這是有報案的，這個還不包括黑數、沒有報案的，真的是很嚴重；2月份發生的件數就超過1萬件，被詐騙的金額高達60億。所以我今天特別要問主委，銀行是你們管的，對不對？銀行應該是阻詐的一部分，結果有一個新聞太特別了，新聞說，有一位銀行退休擁有31年資歷，還攻讀了2個政大碩士學位的高階主管李小姐，也掉進投資的詐騙裡面，短短五個月被捲走3,200萬。我先請教主委，你們負責阻詐，結果，你們銀行的退休高階主管都被詐騙了，你身為90分的主委，要達到90分你會做什麼措施？"],["彭主任委員金隆：所有的詐騙我們對受害人都寄予最高的關懷，不過這個案子我們有稍微了解一下，這位受害人也很早就在他的臉書上發文說過，他也提到，確實整個詐騙過程當中銀行已經對他做了很多的關懷，比如也詢問他說這個錢要做什麼，他說開寵物店，他確實也是有這樣一個過程，所以銀行在整個過程當中……"],["張委員啓楷：主委，你看到的新聞跟我看的不一樣，我看到的新聞是李小姐埋怨說，為什麼我去領大額的現金，沒有一個人提醒我為什麼要領這麼多？他說他以前在銀行，只要領比較多現金都會問。"],["彭主任委員金隆：委員，對於有上新聞的所有案子我們都會請銀行去檢視整個過程，他們所有關懷紀錄都有，通常很多時候我們看到的報導跟真實是會有點出入的。我想在座現場我們有很多銀行員在看，他們都知道不可能沒有去關懷，而且現在詐團在教這整個過程確實已經有進階，比如說我們曾經有遇到案子，他說要做裝潢，裝潢本來就是一個我們很高度關切的，甚至他還能夠提供契約，所以很多時候銀行行員他是在做銀行業務的服務，他不是在一個犯罪偵防機構，所以行員也是滿腹委屈說，其實我做了，為什麼還會被講說我不聞不問？"],["張委員啓楷：你後續去查，其實是有說的，要還人家公道。不過從這個案子，我們做兩件事，第一個，本來是阻詐的銀行員，退休都還會被騙，其實他不是單一個案，事實上都有，所以要加強宣導。"],["彭主任委員金隆：沒錯，我們會儘量來加強。"],["張委員啓楷：避免下一個悲劇再產生。第二個，當然本來外界如果看了原來的新聞會擔心銀行怎麼沒有提醒，那就請務必落實，好不好？"],["彭主任委員金隆：是，對於關懷的部分，我剛剛也提到……"],["張委員啓楷：我們知道銀行員非常辛苦，務必落實，好不好？"],["彭主任委員金隆：他們去年就阻了100億。"],["張委員啓楷：不錯啊！希望這個一定要落實，好不好？"],["彭主任委員金隆：當然。"],["張委員啓楷：另外有一個事情也要做，最近詐騙金額裡面有相當高的比例都是用虛擬貨幣支付，主委應該有注意到，對不對？"],["彭主任委員金隆：對。"],["張委員啓楷：那到底要怎麼樣去避免？一定是要定專法，對不對？"],["彭主任委員金隆：是。"],["張委員啓楷：趕快去定專法，我看這個四階段的納管現在就停在第三階段，你之前跟我說6月份要把這個專法送到行政院。"],["彭主任委員金隆：對，現在馬上要預告我們的條文。"],["張委員啓楷：我現在還沒有看到預告，預告是兩個月前，所以最近一定要先預告，對不對？"],["彭主任委員金隆：對，我們應該馬上就要預告，我們已經開過很多公聽會，包括我們也請……"],["張委員啓楷：什麼時候會預告？你如果6月底前要送行政院，4月底……"],["彭主任委員金隆：昨天預告了。"],["張委員啓楷：昨天已經預告了？"],["彭主任委員金隆：對，60天。"],["張委員啓楷：好。預告後會聽到一些不同的意見，要進一步再去……"],["彭主任委員金隆：沒問題，我們預告的時候會持續開公聽會。"],["張委員啓楷：另外一個也是有關的，你現在叫國內23間虛擬資產的業者在3月31日前要來登記，對不對？"],["彭主任委員金隆：對，做洗防聲明的這二十幾家必須要在3月31號以前登記。"],["張委員啓楷：算一算剩沒幾天了。"],["彭主任委員金隆：還有一個禮拜。"],["張委員啓楷：現在登記的怎麼樣？"],["彭主任委員金隆：現在有10家。"],["張委員啓楷：23家只有10家來登記而已？"],["彭主任委員金隆：沒有，我們還有時間，他們也在做準備，我們有去詢問他們。"],["張委員啓楷：兩件事，一個當然是要宣導，第二個，一定要執行，它如果不來，又違法去經營，是處兩年以下有期徒刑，對不對？"],["彭主任委員金隆：那當然，因為定在法律裡面。"],["張委員啓楷：這個一定要落實。"],["彭主任委員金隆：那當然。"],["張委員啓楷：所以你們已經預告了，這個專法一定要提出來，要詳細的參考相關學者專家的意見。"],["彭主任委員金隆：我們會送一份草案給委員辦公室。"],["張委員啓楷：好。第二個，既然你已經決定要納管了，只剩幾天竟然23家只有10家來登記，好好跟他們溝通一下，讓他們清楚知道一定要來登記，好不好？"],["彭主任委員金隆：我們有在溝通，謝謝委員。"],["張委員啓楷：到時候一定要落實，如果沒登記就重罰，好不好？"],["彭主任委員金隆：那當然，謝謝委員。"],["主席：謝謝張委員的質詢。","下一位請徐欣瑩委員質詢。"]],"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":[]}