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月淨匯入轉為淨匯出"},{"start":2633.951,"end":2656.406,"text":"那針對外資賣超臺股並匯出的原因那個政局局副局長表示主要是受到美國總統大選不確定因素的影響那外資落袋為安再加上有一些資金的需求因此進行匯出的動作主委美國大選已經落幕而且臺股大盤指數並沒有出現2022年底下殺4000多點"},{"start":2661.969,"end":2687.505,"text":"的這種狀況那請問你認為外資有沒有短期回補台股資金重新進匯入台灣的機會或是條件有沒有其實從短期而言我們比較不那麼在意我們從長期來看其實外資在台灣的持股占比一直維持一個很穩定當然他們的操作有他自己的目的我想我們對這種比如說幾個月這樣週期的波動我們比較只是密切關切"},{"start":2688.385,"end":2715.61,"text":"我從這邊看不出我們有什麼特別特別明顯的差別那個主委因為媒體有報導說金管會正在研擬換修保險法準備納入新興的議題那聚焦金融科技、永續金融和資本監理等三大項但目前尚未有修法的時程表我請問主委媒體報導金管會打算修法的內容是不是確定的"},{"start":2716.991,"end":2741.486,"text":"主要是我們保險法上次大修應該是民國91年的時候但是各位都知道我們現在我們保險法有兩大部分應該是保險契約法以及保險業法的部分我們過去的大修著重在保險業法的部分保險契約法其實本身還有很多需要被討論的地方我想過去在一二十年來學界有很多的考慮那過去都是一個個修所以我們這次希望有個結構性的修法"},{"start":2741.986,"end":2768.785,"text":"那另外有關業法的部分確實誠如剛剛那個委員所指示的就是包括我們現在金融環境的改變金融科技永續金融還有就是我們現在的資本監理制度都已經跟20年前有重大的不同所以我們覺得一定要修對就是我們要做結構性的修法因為這個那你有沒有時程啊修法有沒有時程我們預計一年的時間來收集各方面一件但是怎麼修其實我們我們不預期一個時間我們希望這次能夠做結構性的所以說"},{"start":2770.054,"end":2776.898,"text":"是不是意味著保險法、修法你說一居一年那有沒有急迫性這個東西其實"},{"start":2778.823,"end":2804.94,"text":"那坦白講委員我們現在的保險法也在持續運作中但是我們的保險市場要持續的發展所以我們這個東西是做一個非常重要的基礎工程所以我們寧可把它修好也不急不急齁主委11月下旬的出席台灣這個保險法學會主辦第10屆兩岸保險法論壇曾提到結構性修法說不定是市場需要的"},{"start":2806.081,"end":2830.08,"text":"那並且將和保險局研究請問主委媒體報導保險法修法的內容是不是和你上個月在論壇後的陳述前後呼應是不是這樣子我想就是兩大部分過去我們保險法學者比較著重的是在保險契約法特別像比如說受益人、要保人還有就是一些相關利害關係人的關係的修改"},{"start":2831.141,"end":2846.757,"text":"還有就是我們契約上面財產保險以及相關很多的內容他們在過去在學理上跟國際上面的一些保險法學理有些不同但是除了這個以外我剛剛跟文報告還有很多是因為我們業法的部分很多都要隨著那個改變其實這兩次是一致的這樣齁"},{"start":2848.098,"end":2875.828,"text":"那未來保險法即將大翻修你認為會朝向你所說的結構性修法來推動嗎是的我想齁其實保險市場也是金融市場非常重要的產業那我們這部保險法如果遠瘦於是民國18年就開始訂定中間雖然經過幾個修正但是我覺得要隨著時間的改變而改變那個主委會不會只有將現行保險法的架構上來推出增減條文的版本是不是這樣子"},{"start":2876.548,"end":2902.794,"text":"其實我們現在保險法條文算是精簡才100多條我想像我們保險市場整個環境的改變業法的部分其實有很多需要被調整的地方主委因為從第10屆保險法論壇媒體轉述你參加時所有的內容可以看出與會學者包括過去身為學者的你對現行保險法這個法規以及主管機關的看法與態度"},{"start":2903.934,"end":2925.57,"text":"再加上你認為現在保險法、修法都是應急式而反應式的修法遇到什麼問題修什麼比較容易顧此失比的很可惜那請問主委採取結構性修法是不是能夠完全避免再度出現應急式、反射式的這個修法的缺點"},{"start":2926.771,"end":2947.577,"text":"委員會這樣講是因為有時候我們社會上有些突發的情形就要立刻來改變那是必然但是就是說這樣的改變常常會讓會可能考慮沒那麼周延所以我才會想說我們除了日常的解決問題的修法我們還是要持續但是我們希望有一次有結構性的調整把過去我們整個保險市場"},{"start":2948.177,"end":2972.055,"text":"未來若有一個至少未來二三十年需要的這個架構我們能夠在這裡一次把它能夠做一個周延的考量主委啊由於保險法修法涉及主管法規的機關那訂定保險契約的各方當事人那請問主委修法姿勢體大未來修法的方向你認為能夠重新喚起外商保險公司來台設立的意願嗎"},{"start":2972.936,"end":2998.903,"text":"我想這是很多元面向外商會不會來是看我們市場的發展當然我們如果做得很健全市場蓬勃發展自然容易吸引人家過來涉及相關的因為你要是修不好的話變成會成為這些外商保險公司加速退出台灣的一個催化劑會不會如果是不好的我們不會修啦對我們只會朝好的方向修好謝謝謝謝委員的指點謝謝好謝謝林德夫委員"},{"start":3000.758,"end":3004.061,"text":"主席麻煩請金管會彭金榮主委委員早主委早"},{"start":3026.848,"end":3044.345,"text":"這個我剛剛聽到你跟林委員的詢答你剛剛有提到說可能是因為這個美國降息一碼不符合市場的預期可是我最近這幾個月看到的都是大家都是預期要降息一碼而且那個他們的那個"},{"start":3046.146,"end":3071.315,"text":"他們那個巴奧爾這兩個月也是說就降息一碼甚至一個月前還有人在討論說也有可能不降息那所以降息一碼我個人是覺得應該是蠻符合預期的而且這個地方是跟年底作戰我覺得跟應該有些關係因為美國人會計年度是到國曆年聖誕節那你"},{"start":3074.85,"end":3094.866,"text":"現在看本來降息應該是對股市有利的事情那當然你也可以把它講說就是因為降息不符合預期應該多降一點那降不夠所以大家失望性的拋出我的看法是比較接近這個有可能是年末的作帳那在台灣以及在整個東亞股市外資的撤出"},{"start":3096.847,"end":3115.981,"text":"聽起來金額很大了但是其實對他投資總金額來講的比例也是不大但是那個也是應該是作帳的需求這是我的看法的想法給你參考看看那可能這個所以過去狀況都是類似的到了年底接近聖誕節的時候都會出現一些這樣子的狀況那再來就是說要請教的就是說"},{"start":3124.249,"end":3146.863,"text":"我們最近我看到了媒體的報導這當然不是跟金融會直接相關的關係但是老是提到老年人被詐騙那很嚴重所以其實在黃主委的時代他對於這個老年人的這個金融安全他是有特別要求的對各金融機構那這一部分你的做法怎麼樣你的想法怎麼樣"},{"start":3148.566,"end":3168.444,"text":"這個確實其實我覺得老年實際上是一個不是一個特定它是一個漸進的過程有些比如說初老還有一些是末老這些大概是因為這樣來看當然比如說尤其現在台灣高齡化社會有些我們現在的所謂初老像比如說現在很多拿那個老人證65歲的人其實他非常非常正常"},{"start":3169.125,"end":3196.074,"text":"所以我覺得說要有更細緻的做法那對於逐漸老化尤其很多的金融商品是很長期的這部分我們就要考慮到不是購買當時還有後面像比如很多信託的商品就是來做這些事情還有像保險也要考慮到這個問題所以我覺得未來要營造一個所謂金融友善除了保護它以外那我們會對有些它的權益我們可以做更細緻的規劃是因為我看到這個統計數字齁"},{"start":3199.156,"end":3217.91,"text":"這個113年以來當然你剛剛說是一個逐漸老化的過程也很難用客觀的數字去評量說你的心智到底是不是有逐漸退化的過程但是總是要抓一個客觀的年齡層過去我們大概是抓70或是6560也有65也有"},{"start":3219.691,"end":3231.966,"text":"那現在問題是我看到113年以來無論是受到詐騙或是遭遇到金融消費糾紛的那個比例都有在增高的局勢那金融消費糾紛比例增高是什麼狀況呢"},{"start":3233.238,"end":3250.877,"text":"我們有請那個評議中心也有做一些了解確實前面幾年有升高最近是比較平緩就是那個金融詐騙還有就是高齡的來申訴的部分主要申訴大概都是申訴哪一方面的內容這個應該說沒關係評議這邊也可以幫忙回答"},{"start":3254.3,"end":3280.686,"text":"文文我們去了解目前申訴案件有些是信用卡消費貸償的部分信用卡部分也是一個重點還有保險的部分的一些信用卡消費的貸償是什麼意思他應該是說整個消費款項的話就是說他有可能會先付就是有些東西信用卡他會先給他一筆錢然後接下來的話就是他先去還一筆錢給信用卡先繳信用卡的一個款項那後來就形成一些糾紛發生怎麼樣為什麼這樣會發生糾紛呢"},{"start":3283.314,"end":3306.676,"text":"他本身的話應該因為信用卡的部分的話他們有就是我可以跟你報告一下因為信用卡的時候我們是消費之後才會去繳款嘛對不對對但有些可能會是先預繳一些款項給信用卡公司所以目前的話我們在處理這一塊就會比較嚴謹一點因為他可能會先去付一筆錢然後再因為我自己也去那這樣子如果我先預繳錢給消費信用卡公司他會不會信用卡公司變成在接受存款啊"},{"start":3308.141,"end":3335.608,"text":"那是不是在經營銀行業它不是吸收存款它是說比如說我今天可能要出國的話我可能會先繳一些錢就是可能交易的一個一角啦那一角的話後面就有一些糾紛在那這部分也有企平益中益在做一些處理啦那也跟委員報告事實上整個整個平穩在觀察說整個申訴案件那個比例確實有委員講的沒錯有提高啦但是跟分母也有點關係因為112年的時候因為那時候還有一點點防疫保障所以分母比較大那這塊我們會持續來做一個"},{"start":3337.188,"end":3354.148,"text":"我要跟評議中心講幾個我個人認為的觀念也是給主委參考第一個你不要常常講說我這個評議反正如果沒有達成結論或是怎麼樣只是給法院參考你可以再去法院搞我是來自法院的你那個評議會讓這個"},{"start":3358.604,"end":3381.917,"text":"法院會有可能會有一部分的影響另外一點就是你會讓相對的金融機構他就有恃無恐他覺得他平行東西就挺我那我要跟你說就一個消費者而言尤其是老年消費者而言他無論是在金融、法律、契約能力各方面的社會資歷上面明顯是不對等的"},{"start":3382.662,"end":3403.07,"text":"你的金融機構無論是錢、人、法律能力、契約能力什麼都高於消費者一大截所以人照理來講是要義強扶弱這樣才有公道那當然不是說我們就是可以閉著眼睛說法律怎麼規定我不管不是這樣"},{"start":3404.332,"end":3413.408,"text":"但是你一定要常常記得這個因為兩邊的身份是不相當的無論是哪一個位階都不相當所以你們在做這個評議的時候"},{"start":3415.307,"end":3436.343,"text":"我覺得這一點要是值得參考一定要把這個東西記在心裡再來就是我們希望說我以前一直提一個觀念但是到現在都一直沒有改不要拿這些金融機關的錢金融這些公司的錢他們該付的錢另外的去嘛不要直接拿他們錢來編你們的預算或是放到你們的基金裡面來"},{"start":3438.246,"end":3464.122,"text":"國家的總預算那麼大那個大水庫理論你進到國家其他的公庫裡面去你再從國家這邊拿錢來編預算來弄這個評議不會老是被人家講說你看你們就是拿人家這個金融機構的錢啊說你們的評議只是公正性會受到質疑吧我講的這樣子的概念當然是講了很多年但是都一直沒有完成可能是會計科目或怎麼樣的問題"},{"start":3466.096,"end":3476.673,"text":"如果你們願意這樣做我們願意挺你們啊我們何必為了那一兩億元然後去背一個這樣子的罵名呢背一個這樣子的懷疑呢這是不值得啦這個給你參考謝偉我剛剛簡單回應一下就是說"},{"start":3481.38,"end":3509.639,"text":"我在評議中心擔任過兩屆的董事一屆的評議委員我們的評議有個很重要的概念叫做公平合理原則的適用它會推翻很多法律上面的規定所以過去這個東西是它很重要的一個武器就是說法規雖然這樣規定我覺得不符合公平公平合理它就可以做這件事情我想這個我們來落實就是每個人的經驗不太相同當然會來到我們立法委員的辦公室陳情的都是比較極端的案子可是我來我看到了有一些評議"},{"start":3510.64,"end":3514.205,"text":"就我以法律的經驗跟我過去的工作經驗我看起來是不公道"},{"start":3515.675,"end":3541.189,"text":"所以我可能看到的都是因為採樣會偏頗今天如果公正處理了或是他覺得滿意他就不會來了他就覺得他受到委屈才會到立法院辦公室來申訴但是我看到的幾個案件裡面我都就是沒有採取這樣的原則所以我今天才會來提醒主委來提醒這個評議這一邊要注意這個問題我以前在當法官的時候剛開始當法官的時候"},{"start":3543.227,"end":3565.585,"text":"陳靜遠說那種非常輕微的案件啊我講說這這麼輕微的案件這個有什麼好爭的啊這個就趕快給他處理結果當時我的神敗我的庭長就跟我講說對你一個法官來講這是一個非常輕微的案件沒有錯但是這個當事人可能他這一輩子只有這個案件所以如果我很述述而且沒有去思慮很周圍的去處理"},{"start":3566.713,"end":3582.189,"text":"當事人他的不滿意可能是一輩子的而不會覺得說就醫生啊看感冒大家都是一樣這個感冒這個流行性感冒你也感冒他也感冒就趕快3秒鐘5秒鐘就開個藥給你病人的感覺是生病的是我啊難過的是我啊"},{"start":3583.052,"end":3584.393,"text":"有關金融監督管理委員會主管中央存款保險股份有"},{"start":3601.58,"end":3623.917,"text":"對於這種如果鄰國本來跟我們是有在貿易上面有一些競爭或是互補關係的國家的這個貨幣如果有巨額的波動的時候是不是也應該要有以待之呢那當然尤其像比如說韓國跟我們這麼近很多這麼密切像韓國發生這件事情的時候我們都高度的警戒當時比如聽到他戒嚴他整個都非常的"},{"start":3624.497,"end":3635.526,"text":"那還好是他6個小時就結束是那慢慢就變成是一個他們政爭的問題是那否則的話其實上這個對我們的影響我們都應該隨時非常密切的關注好謝謝你齁繼續加油齁謝謝謝謝委員謝謝吳平樂委員齁接下來我們請賴世鮑委員"},{"start":3650.02,"end":3654.204,"text":"謝謝主席有請金管會的彭主委彭主委委員早早啊你早我想美國人都很關心昨天明明美國是降息的一般來講降息股市是正面翻硬的結果它暴跌了一千多點"},{"start":3673.9,"end":3690.336,"text":"你能不能以你的專業跟你的資訊比較多你能不能告訴我們主要的原因到底是什麼一個原因就好不會講很多一個主要是什麼就我剛才有提到當然這個股市是很敏感就是說"},{"start":3691.877,"end":3714.906,"text":"本來預期我們的降息速度會快一點但是呢這樣那個降息大家預期會放緩那我是看到這樣的當然有很多原因比如說包括未來川普政策的不確定性剛剛還有委員講的年底的這些作帳畢竟聖誕節很多的問題都是很複雜的你講聖誕節難道這些投資人都放下去了嗎就是他們很多像比如說我們到年底的時候他們就會開始"},{"start":3715.786,"end":3732.114,"text":"開始放假這當然也是一個說法我想股市是非常敏感就像我們今天看其實也不是只有一個地方反映它有些地方也是有不同的反應有一種講法說其實這次降一碼市場預期就是一碼"},{"start":3733.294,"end":3741.86,"text":"跟市場預期沒有什麼不一樣就是一碼但是大家會看到明年有人提一個東西叫點陣圖知道嗎點陣圖裡面從點陣圖看出來說未來如果按照這樣來講未來"},{"start":3749.486,"end":3767.141,"text":"應該是要降四碼結果變成只降兩碼這個你同意不同意當然是很多種說法啦我可以說有一種說法就是本來預期就是說應該會很快一點但是未來到明年大概也是會比較放緩尤其未來像我們上次在針對比如說美國未來的政策在報告的時候也有說"},{"start":3767.922,"end":3782.57,"text":"其實雖然這樣預期但是未來以他很多政策說按照媒體這樣講的話比如關稅拉高通膨增加這時候你說要這樣其實就可能是有點困難就是說很多的原因混雜在一起CPI阿美國的通膨其實是嚴重的啦"},{"start":3784.071,"end":3808.649,"text":"到現在為止尤其加上大家看到川普會來加關稅嘛川普講過一句話嘛他說他最愛的一個字就是要TELIF就是關稅嘛他最愛關稅嘛最愛關稅嘛他跟人家談的交易交易的密碼就是關稅嘛那當然也不排除也不排除市場呢是華爾街都支持川普的嘛大家都知道"},{"start":3809.389,"end":3811.271,"text":"做球給川普啊現在不能漲太高啊開始壓一壓啊等到川普一來的話你看一直漲大家都預估啊川普上來其實股市會漲的"},{"start":3821.758,"end":3849.146,"text":"這個你同意吧當然這也是一種說法很多種說法當然我想華爾街本來就是是一個有買有賣反正這個是一個市場我想我們華爾街挺川普是對的嗎當然外界是說因為因為未來川普會鬆綁金融業的一些的所以大家預期說還有對很多的產業所以等於是等於是大家來看的話就美股川普上台之後應該是"},{"start":3850.686,"end":3851.747,"text":"掌勢可期"},{"start":3868.655,"end":3891.968,"text":"加密貨幣跑這個也是原因之一我想因為如果從整個交易量來看的話整個資本市場來看的話現在交易量當然還是一個相對比較低還是個位數當然以他的速度來看確實引人矚目比如說現在往那個虛擬資產方向移動的速度確實是因為他基期比較低但是從個整體來看他還是一個比較低的水位"},{"start":3892.648,"end":3910.863,"text":"而且它越來越多的開始商品慢慢用降幅貨幣了對我們也有觀察到這樣的一個發展好我們來看這個跟你有關係現在有幣多債權很強手這個這裡面來講就等於說用USDT"},{"start":3918.865,"end":3947.602,"text":"貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達幣貸達�"},{"start":3948.221,"end":3976.456,"text":"這個你們管不管啊這個是所謂的DEFI的部分必然他如果說是一個在虛擬世界可以交易的對象自然有人欠有人要還就是就像我們比如股票有借券跟借那個就是那個那個概念是一樣因為所以說呢他沒有問題這管不管啊現在的話我們的交易你們管不管請問我們現在在交易你是我們現在說按照我們的那個VASB的部分我們這DEFI的部分我們現在有"},{"start":3977.136,"end":3980.577,"text":"不要跟我講賣死婆婆那個是防洗錢的跟這個關係不大現在來講的話因為他推出的我表沒有秀出來這大家Google一下看得到嗎他這裡面都他是保本穩賺就是你只要把錢給他比如說45天或者是50天60天他就給你4.5%保本穩賺這個東西"},{"start":4007.857,"end":4030.204,"text":"現在的話就是說跟我們報告就是我們現在確實我們台灣現在已經剛剛講跟Vespa有關是因為現在我們真的有這樣的一個比如說交易平台也有這些轉換商這些我們這些我們所謂的虛擬資產服務業者現在正在經營我們就算我們還是可以在買賣這些幣有買賣以後呢他就衍生出很多的比如說他的衍生出的一些金融行為像借貸"},{"start":4031.444,"end":4056.107,"text":"這個就是其中的一個那就是批土批啊也不是批土就等於說在那個某種程度是這個意思啊怎麼不是呢請問他到底你們管不管這個到底管不管現在我們的交易的部分我們現在是你看到這個現象沒有這個是很普遍在那個對對對然後你不管我們現在是因為他整個交易我們是有納管的啦"},{"start":4057.432,"end":4060.133,"text":"有關金融監督管理委員會主管中央政府總預算案有關金融監督管理委員會主管中央政府總預算案"},{"start":4078.586,"end":4097.298,"text":"這個穩賺不賠的利率耶雖然短時間不高4.5有的高一點點5.5還要更高的啊這個東西很危險的這種東西他就跟供需有關我跟委員報告就是我們現在明年6月我們在我們現在正在嚴定這個心理財產管理專法的部分我們就會把define的部分呢會把它規範進去"},{"start":4099.11,"end":4126.163,"text":"所以你們要管這個是未來一定是變成是一定是必然我們看國際的趨勢就是說他會衍生出來一些交易那你管的方式就是讓他基本上他是合法的是不是我們通常合法的前提就是你要合規啊就是前面有一些規矩他合不合規請問他合不合規有些規矩啊我們要定出來那如果合規的話第三方支付比如說這某一個平台"},{"start":4127.981,"end":4141.414,"text":"我買東西我放一萬塊在哪裡我用了兩千買東西剩八千八千他拿去投資他給我固定的利率4%可以嗎這個你說不行啊第三萬支付過去你就說不行啊這個就逼逼託你就可以這奇怪的咧"},{"start":4149.382,"end":4176.023,"text":"我沒有說可以我只是說我們未來的專法的時候因為這個是全世界在演化中的東西我們在專法的時候我們會把未來的像比如說這所有的虛擬資產的相關的那個課題考慮進來我想這部分什麼時候可以出來啦這個專法什麼時候出來我們現在草案正在討論中什麼時候出來我們預期是1月的時候會開始公聽然後6月的時候我們會送進行政院6月送進行政院關於關於什麼"},{"start":4177.524,"end":4181.808,"text":"關於所謂的虛擬資產服務以及那個投資人保護的專法"},{"start":4184.37,"end":4210.581,"text":"虛擬資產的交易吧有沒有交易當然交易是其中一部分交易還有它的機構管理機構管理消費者保護消費者保護應該是交易人保護這個1月份開始公定會6月份送到行政院我們的就等於說那你希望行政院什麼時候可以出來這我沒辦法希望我當然希望假設我們送過去的話還有社會的共識第三方支付呢還是不行"},{"start":4212.062,"end":4219.931,"text":"因為現在第三方支付是訴法部在主管的業務啊所以你不管不是不管就是我們管的是我們自己的彭主委你要注意喔"},{"start":4220.979,"end":4241.165,"text":"全台灣人民不管什麼第三方支付不管這個緣的緣的大家只要看到錢啊錢啊在交易啊大家認為你要管喔這也是我們要特別說明你要管啊錢只要錢你上山你要管啊這也要特別說明了不是所有錢都是歸金管會我是告訴你老百姓都認為來來來第三個我們看一個你們最近公佈一個東西好奇怪喔全台灣人的人均存款欸"},{"start":4251.3,"end":4253.663,"text":"喔 台北市才有錢 我都不知道一個人喔 一個人喔 台北市存款現金存款925萬台北市的 一人喔"},{"start":4264.386,"end":4269.169,"text":"如果夫妻兩個人就1800那第二名是新竹市518萬第三名是嘉義市249萬第四名在台中市213萬"},{"start":4283.068,"end":4299.103,"text":"這個數字到底是怎麼統計的有沒有包括外幣存款臺北市這個如果大家聽的話大家很挫折的我不知道這一座各位你們臺北市的人存款一個人喔如果你家裡四個人的話你就要3600萬喔你就要快4000萬喔喔 這個東西這你統計是 你統計好 中國會統計好"},{"start":4310.559,"end":4323.418,"text":"委員提到就是說我們下次如果有類似的數字我們可以公佈各式各樣的數據那這樣會比較容易不用導致這樣的一個比如說解讀上面的困擾不是 我就問你有沒有包括外幣存款 有沒有"},{"start":4324.532,"end":4339.621,"text":"這我要回去瞭解一下啊你不要去按哪一位現在可以馬上瞭解嗎那我們知道一下我們瞭解完馬上跟委員報告你們為什麼不用中位數呢我們就跟郭泰民平均去跟張作某平均這個沒有道理啊"},{"start":4340.934,"end":4344.155,"text":"對不對我跟張忠偉平均一個人900多萬臺北市請問各位大家在看這個直播臺北市民平均一個人的存款現金存款喔現金喔925萬喔我不知道我們主席議員有沒有這麼多喔925萬喔一個人喔"},{"start":4365.862,"end":4372.466,"text":"一個人平均在銀行裡面喔銀行局要不要講一下這書是怎麼來的啊你們公佈的欸我不知道為什麼不用中位數啊來講一下為什麼不用中位數啊"},{"start":4382.349,"end":4404.587,"text":"沒有沒有我想我們查證一下啦今天就是假設說未來假設真的是我們在出示這些數據的時候確實有不同的參數有不同的含義啦我想這部分我們講我覺得應該是莊惠素啦因為台北市大老闆太多了啦郭台銘一年的股不只或是張忠謀他們大老闆每年的股率都幾十億元平均"},{"start":4406.048,"end":4407.209,"text":"因為談到網營啊也是你們想想的政績之一啊"},{"start":4428.581,"end":4452.508,"text":"每一次最高5萬每天最高10萬每月最高20萬可是你們有一個辦法喔這個辦法就是根據安控基準第8條第二款第4小目跟第5小目說預定的話可以把20萬提高但是但是銀行都告訴因為這是有人來跟我告狀的"},{"start":4457.568,"end":4460.409,"text":"報告委員沒有這個時間上面的限制如果要提高的話是認證的方式要提高平均多久時間"},{"start":4488.217,"end":4498.487,"text":"這個應該 如果你約定了之後 因為現在有一些防詐的議題所以大概是兩天啦兩天喔對 兩天才能申請來跟我高中的客戶說他要提高為25萬對方告訴他 我不要講那些銀行的我都可以給你講銀行 不會公開不要講他說要一年"},{"start":4509.298,"end":4510.799,"text":"我比較在意那個臺北市居然一個人平均有900多萬突襲兩個人1800 怕死人這裡面看只有賴慧營有"},{"start":4536.943,"end":4538.745,"text":"有請主委還有王平康局局長主委早安"},{"start":4560.066,"end":4576.705,"text":"那個今天要跟你討論的是租賃公司他的一個套利的問題還有租賃公司的一個融資的問題還有你如何管理租賃公司這些問題那事實上在這一陣子我們看到有幾個委員不管是"},{"start":4577.846,"end":4594.818,"text":"王世堅委員、郭國文委員他也針對這些事情跟今晚會做一個探討在這裡我要先請問銀行局局長這個主任公司貴不貴你管他是銀行還是只是一個法人機構"},{"start":4598.155,"end":4615.45,"text":"目前我們定義它還只是一般的法人機構那我們現在正在考慮先把它納到金保法裡面針對消費者權益的部分來管理多久會把它納入這個部分的話議期多久會納入"},{"start":4616.55,"end":4641.71,"text":"我們現在所有的法治規定都已經準備好了我們只要先預告完預告那個結束我們就可以開始做這個時候在法治上面可以預告啦這個預告的時程大概會放在什麼時候因為我們現在還要還要那個那立法院還要溝通還有就是因為可能還要再開過幾次公聽會以後才才能夠要開過幾次的公聽會我們上次有開過一個下次還要兩次的公聽會"},{"start":4642.27,"end":4664.068,"text":"還有兩次的公聽會那這兩次的公聽會你會給他壓縮到什麼樣的一個時間呢沒有他只要是通過以後大家有共識以後我們現在法制作業都準備好我們公告以後一定的時間就會實施了我希望你可以切切的給本席一個就是時間點那你是三個月還是半年我覺得這個是非常重要的"},{"start":4668.284,"end":4684.973,"text":"法規的話我們的預告是60天假設我們現在從今天是60天準備兩個月但我覺得最快的時間從預告開始應該4到5個月應該就可以上路那有沒有辦法就是說在5個月內那我們把它完成"},{"start":4685.458,"end":4702.117,"text":"就是我們先要完成假設溝通程序結束的話我們五個月之內是可以完成好 謝謝我想這個我們要正式主任業在監管套利的一個問題我們當然非常清楚就是說主任公司他其實是根據公司法他所設立的合法設立的"},{"start":4703.358,"end":4709.424,"text":"最重要的業務還是放在租借設備還有工具融資給企業或個人從上面整理出來的資料"},{"start":4718.172,"end":4734.28,"text":"前面在上一頁我們看到了就是說我們三家上市的主任公司裡頭不管是中租那個育融還是那個核能他在個人的車輛的一個融資占比"},{"start":4734.62,"end":4763.075,"text":"都佔了他的業務比跟華人的融資幾乎是快要非常接近了一個43一個53那尤其就是說他其實最主要的業務是在中小企業的一個融資可是之前我們非常在意的就是先買後戶這個個人的一個車資方面他接近了一半的一個規模業務的一個規模那所以在這裡特別跟那個"},{"start":4763.855,"end":4789.174,"text":"主委強調的就是說他其實這個三家公司他們的企業規模占總體的租賃業的一個規模是90%這已經相當多囉是他們是三個很大的租賃公司是啊那這個比銀行更靈活的方式借給消費者那我們又沒有辦法去保護消費者剛才銀行局的局長講得非常清楚"},{"start":4790.182,"end":4816.528,"text":"他講什麼那個主委你有沒有聽到就是我們會用金融消保法來納管會納管對一定會納管這要經過剛剛的法規的這個算不算是普惠金融當然普惠金融是看從他的比如他的服務面其實假設其實我們必須講融資公司在過去對在企業金融部分他是其實扮演非常非常的一個也是有他一定的角色跟貢獻當然"},{"start":4817.328,"end":4838.83,"text":"當然但最近衍生的問題都是出在個人金融就比如說這個跟車貸或是先買後付這些的內容而來所以這要切開就是說其實他們不是所有的業務都是我們現在未來納管金融消費者保護法管的就是個人業務就是法人業務是不會不會受到影響的所以我們也是會加強溝通"},{"start":4840.211,"end":4864.311,"text":"那那個主委先生在本席在跟你探討的第7波我們的打黃那事實上我們慢慢的有調整到就是說整個就是房地產慢慢歸向一個比較正常的一個狀況那如果在銀行法第72支2條裡頭規定的時候就是公股銀行他那個不可以換款不動產也不能超過"},{"start":4865.572,"end":4885.692,"text":"不能超過就是存款的餘額的30%可是融資公司在這一個這一個72支2條他其實找到了一個破洞他如何去就是說他形同去規避就是銀行法他把借來的錢然後借給那個建設公司那你怎麼看勒"},{"start":4886.152,"end":4904.392,"text":"其實我們在12月13號的時候我們就發了一個函給銀行工會要求他們做到像剛剛委員所報告這件事情第一個如果說第一個他一定要做好貸後管理比如說你的用途跟你的貸款的目的應該是要相符銀行要去做這樣的一個勾結"},{"start":4905.433,"end":4914.176,"text":"二、一般放款流入不動產,銀行要納入不動產風險管理機制,也要記錄信用管制範圍,這樣就會納入這個規定。二、未來的這個部分應該要做好控管。我想我們對這個問題,我們會避免成為說,假設我們在管理銀行風險的時候的漏洞。"},{"start":4934.122,"end":4948.736,"text":"你這個12月13號你提出來這個是行政命令那是不是你會再討論就是說租賃公司專法的一個就是討論啊現在是這樣我們設定一個專法的討論是不是會更周全"},{"start":4949.056,"end":4978.428,"text":"我們是兩路並進第一個我們是希望說因為我們的專法從民國85年開始討論到現在中間有很多的分歧很多的不同的意義所以這代表說整合是比較困難但是我們覺得說如果要解決這個問題專法也是個方法所以我們已經委託委外研究我們也正在做這個專法的研究但是呢專法要通過要經過一段可能不知道多久的時間但我覺得這種空窗不能等所以我們用金寶法來做一個納管"},{"start":4979.348,"end":4984.391,"text":"二、審查中華民國114年度中央政府總預算案有關金融監督管理委員會主管中華民國114年度中央政府總預算案有"},{"start":5008.644,"end":5025.514,"text":"這個有多嚴重他其實主任公司他佔了3%然後你的23家信用合作社才佔了2%這個其實我們都是從各種數據裡頭是要跟這個主委去探討就是說主任公司其實在整個市場上"},{"start":5028.015,"end":5048.282,"text":"市場上佔了一個很大的比例那如果我們還無法可管的話那這算不算是對窮人的普惠金融那我就覺得說金管會是不是有懈責呢主委你的看法其實我剛剛跟委員報告過我們是希望同一個行為同一個風險同一個管理"},{"start":5049.042,"end":5069.335,"text":"那假設比如說融資行為已經做到比如說類金融的這樣服務而且呢他真的對消費者有產生這樣一個這個這個負面的影響我們當然就像我剛剛跟委員報告了我們還是希望站在保護消費者弱勢的角度由公權力介入所以我們現在已經在積極在做這件事"},{"start":5069.795,"end":5071.136,"text":"在銀行裏做得非常好"},{"start":5095.336,"end":5118.055,"text":"那主任公司你看起來就是有一點就是非常的有有這個這個說起來就是這樣子就是說其實他看起來這個整體而言這個資料來源是從中都那個中低那個中租低合這裡頭做出來的其實我覺得他這一張圖裡頭某種程度"},{"start":5120.077,"end":5121.959,"text":"有關金融監督管理委員會主管中央存款保險股份有"},{"start":5141.761,"end":5169.424,"text":"有很大的不同銀行我沒有對他的機構做管理比如說你的資本要求、內控、內機這些都有要求所以他要執行這些東西他成本也比較高但他安全性比較高對民眾保障比較多但是有些人確實他的債券條件沒有那麼好的時候或他的很多的彈性不夠他就會跑去另外一個管道這個管道並不是說都是不好的他是不同的債券只是說我們不管怎麼樣契約公平公平對待每一個客戶我想這是一個基本的道理"},{"start":5170.304,"end":5190.741,"text":"所以我們才會進行這樣的納管主委我想就是說後續的就是說不管是不是比照金融機構他公開他的財務的一個資訊還是說主任公司他的一個信手目前的一個進度那最重要的我要跟主委做一個要求"},{"start":5191.441,"end":5220.461,"text":"租賃公司的一個授信的守則如何落實這一個穿透式的一個管理就是從你金管會你去管銀行然後銀行再來管租賃這個有沒有辦法做到你在未來有沒有辦法做到我們現在已經有這個東西我們再把它強化就可以了就是實際上應該都有這個部分我們已經透過銀行的授信跟那個租賃公司之間有一個管理包括我剛剛跟委員報告12月13號那個那個規定也是"},{"start":5221.223,"end":5234.771,"text":"好,所以你逐步在講了嘛,所以我們也看到中租他在那個上個禮拜他發表,他發布了一個那個重訊,他講說他的董事會已經跟兆豐銀行簽訂了一個65億元的聯合授信合約"},{"start":5240.287,"end":5250.73,"text":"那個主委我看到這一個信息其實我是更害怕他等於就是說他把這個兆豐抓進來就是他變成本來沒白變有白喔"},{"start":5251.96,"end":5275.167,"text":"本來看起來我們還可以就是去質疑他的一個信用現在變成是有信用的所以這個是我們比較擔心的一個議題所以你要加快腳步這個我們因為他其實中蘇本身也是一個上市公司他有他的業務他跟銀行做一個融資只要不要流入剛才講的我們所要所要擔心的那個範圍這是他正常業務的範圍"},{"start":5276.067,"end":5297.672,"text":"好各位再回到上個月就是我們國民黨的委員有召開一個融資公司納入軍保法的一個協調會那我要知道就是說這個協調會裡頭軍管會有沒有受到施壓其實這不是施壓就是說我們要溝通因為我們要請把他們納管的時候他們有疑議那我們想說我們盡量解釋清楚所以剛才講過"},{"start":5298.812,"end":5308.542,"text":"我們當然是希望盡快實施若一一趕快來跟我們溝通我們希望說這個比如這個這個協調或公聽會趕快開始大家有什麼問題我們把它溝通完畢以後可以及早上路啊"},{"start":5309.167,"end":5335.527,"text":"是,所以沒有施壓我覺得這是溝通的一部分那就是說溝通的一部分所以我們這個金融消費者的一個保護法我們會加速是是,我們是希望趕快因為社會對這個東西的期待比較高現在是沒有施壓的話你就會加速嘛,對不對他有一定的程序啦,我想我還是尊重所有的程序那你就會照著這個程序,然後會再加速當然,我們能加速我們盡量加速但是我們社會要有共識還是很重要"},{"start":5336.107,"end":5361.492,"text":"社會共識是是謝謝好謝謝那我希望就是金管會在一個月內就是對於就是會中討論就是融資公司納入那個金保法的一個協調會裡頭的一個討論事項你是不是有一些比較具體的看法在一個月內提出一個書面的報告給分析沒問題我們盡快提供謝謝謝謝謝謝主席好謝謝那會員委員接著我們請王洪威委員"},{"start":5373.046,"end":5399.172,"text":"謝謝主席請那個彭主委我想未來就是我們金管會的一些相關的業務有很多有挑戰性那當然最近大家比較聚焦於這個朱令公司我這邊最近可能會有一些就是也是有那種集體受害的"},{"start":5399.952,"end":5406.455,"text":"因為等於說對於資訊整個不對等那麼造成這些比較屬於在融資市場比較邊緣性的客戶他們一個受害的一個狀況那另外我想請教就是說因為我們馬上要審金管會的預算說實在金管會的預算也不到20億他其實金額是很少"},{"start":5423.982,"end":5449.304,"text":"但是金管會的業務、法規、政策卻非常重要我今天要就教於主委的就是大家都知道美國大選已經結束川普當選川普當選對全世界的當然地緣政治、經濟、金融市場都會有很多很多的挑戰所以我在這邊想請教一下主委"},{"start":5449.864,"end":5451.526,"text":"在川普當選之後因為他對於虛擬貨幣極為友善而且顯而易見的未來在美國作為一個金融的領導的市場他會有非常多的大的改變"},{"start":5466.779,"end":5480.455,"text":"所以最近比特幣就一路的飆漲而且美國的上市公司金融機構大家也爭相的去投入投資有關於虛擬貨幣的業務或者是相關的服務"},{"start":5485.973,"end":5513.026,"text":"像川普包含他支持說要國家建立國家戰略的比特幣的儲備當然這個部分我應該是問中央銀行那還有呢包括他也對新的金管他們美國證管會SEC的主席也換下來是比較保守的那上來的就是處於比較開放而且呢是幣圈中的人士"},{"start":5514.026,"end":5520.508,"text":"所以在這樣的一個趨勢下在過去我們也曾經關心我們金管會有關於這個虛擬貨幣的相關的專法那我想請問一下主委這些相關的專法還有政策目前你們的進度是什麼"},{"start":5534.293,"end":5559.95,"text":"還有會不會隨著川普當選我剛剛講美國的政策出現極大改變我們會不會加快進度或者更加的鬆綁跟委員報告一下就是說其實我們對於虛擬資產是按部就班的在執行剛剛的話我覺得我們是非常的謹慎但是呢我們是這個態度其實我們也參考了我們周圍一些國家的制定比如說像對這個東西"},{"start":5561.651,"end":5589.68,"text":"我們倒不會因為一個國家加速而改變我們是想要參考比如說其他國家的法制作業的時候我們來做一個因為畢竟這都新的東西美國他現在未來會怎麼做還在觀察比如說歐盟的MICA還有像比如說我們對新加坡他們對這個的管理這些都很值得我們來參考所以我們最近呢是這樣我們11月30號的時候我們公布了那個VASP打砸的那個就是那個洗錢的專法以後呢就進入到另外一個更高的層次在管制這個行業這是第一步"},{"start":5594.122,"end":5618.356,"text":"我們開放專業投資人可以投資這個比特幣的ETF這件事情我們還在那個事情中那再來就是說剛剛委員關切的專法的部分那專法的部分很重要就是他開始對這個機構做管理還對他的交易做管理還對消費者保護做管理這部分我們正在討論我們的委員研究已經出來了我們正在內部在討論還有正在吸收各"},{"start":5619.537,"end":5626.267,"text":"各界的意見來定我們的專法的這些的草案的內容大概是這樣那個主委我覺得剛剛我從你的那個口中我覺得我們目前監管會還是屬於比較保守的"},{"start":5632.219,"end":5651.308,"text":"那當然因為對於虛擬貨幣其實台灣基本上我們的相關的法規目前比較停留在所謂的防幣別說在防制洗錢的部分但是我剛才講因為你今天看參考其他的國家其實你參考亞洲的國家它的意義"},{"start":5652.128,"end":5664.011,"text":"又不大一樣我剛特別講到美國因為美國他一定會帶動全世界那所以包含他的上市櫃公司他們現在也開始更加積極的去投資虛擬貨幣那別台灣可能那個還是有受到比如說我們的一些會計準則的相關的規定那麼也會影響這個企業界他去投資"},{"start":5675.214,"end":5702.433,"text":"那我想請問的就是說如果我比較擔心的是如果我們現在的我們的心態仍然是屬於比較保守的話我們可能會被動的要去因應外界這些相關的這個金融市場會出現翻天動地的這個變化那我另外請教一下事實上在現在金融市場包含我們的一些傳統的金融機構"},{"start":5704.594,"end":5712.197,"text":"那他們也很想涉足包含虛擬貨幣的相關的服務我還不講說是投資他是一些相關的服務那另外呢別說像我們的投信你剛講說可以放寬這個專業人士專業人士去投資ETF那好那但是我們現在我們並沒有開放虛擬貨幣的ETF對不對"},{"start":5730.543,"end":5751.882,"text":"我們現在是可以投國外的對只能投國外的嘛用副委託的方式嘛那但是呢這個市場其實這個是一定會很快的走到這一步所以我剛剛講包含他們提供相關的服務還有比如國內的投信業者他們也會想說我可不可以發行"},{"start":5753.423,"end":5778.373,"text":"虛擬貨幣的ETF之類的那我想請問這個在未來我們的這個虛擬貨幣虛擬這個資產的相關的專法裡面會不會把這邊也也會把它納入我在這邊其實我都是在打預防針因為我覺得我們現在美國大選前跟美國大選後對虛擬貨幣的思維一定要有所改變"},{"start":5779.153,"end":5802.96,"text":"其實我們也是當然我剛跟委員講說美國當然是世界上非常重要的國家他的政策當然對全世界影響但我們的步驟是按照這個來走我剛講我們6月底之前會把那個這個我們的方案送進行政院剛剛有提到銀行的部分我們在明年1月1號開始就開放銀行去申請保管虛擬資產"},{"start":5805.663,"end":5813.799,"text":"這個事辦我們從1月1號因為我們的法規從12月就頒布但是我們是從1月1號才開始請他們準備一下可以來申請"},{"start":5815.534,"end":5844.514,"text":"可以申請但是什麼時候可以上路呢?他申請試辦以後只要我們同意他試辦立刻就可以開始做啦就是試辦的性質啦等於說這部分你要來申請試辦不是全面開放就來試辦的人我們要看他的那個技術還有就是安控有沒有符合這個要求讓你做做看那實際上就是上路的意思啦那但是不是全面等他試辦成功了我們有一定的規範我們就可以可以來考慮是否要走下一步這是第一個那第二個就是因為"},{"start":5845.654,"end":5856.342,"text":"有關我們正常的這些的金融機構去從事這個所謂的虛擬資產業務的部分我們現在還是先從我們的虛擬資產服務業的管理來開始來做當然這部分我也會請我們的同仁也會關注這樣的一個發展所以我們暫時不會開放傳統的金融機構"},{"start":5869.651,"end":5870.772,"text":"會不會開放發行虛擬貨幣的ETF?"},{"start":5883.394,"end":5898.342,"text":"這我們還要再來想一下所以短期間不會短期間如果說在這幾個月之內我想應該是不太可能我覺得這個東西可能你們都要做比較進一步的決定這都會納入我們的考量因為我時間關係"},{"start":5900.183,"end":5920.835,"text":"還有一個是大家非常關心我之前也有質詢那個主委也有來跟我在做說明那因為最近我仍然有我們的很多的選民在關心就是呢那個有關於保單不能強制執行的部分我們的現在進度到底在哪裡我現在還被人家一直追著問啊因為很多人更關心啊"},{"start":5921.515,"end":5943.596,"text":"現在的話我們當然就是還在跟各個委員在溝通的階段就是把那個版本就跟我們草案已經出來了所以你們沒有送到行政院到目前沒有出金管會大門先溝通完後我們立刻會送過去但是最近我們會加快這個速度那什麼時候可以我想如果說希望在這個會期之前能夠送進去"},{"start":5944.81,"end":5961.448,"text":"這個會期之前我們是要到明年了啊?盡快,如果這個月能夠的話我就盡快完成所以今年年底能不能拼?不曉得我要講就是說那另外就是你不可強制執行的這個額度是不是還是跟你上一次,因為我上次質詢你的還是基本上是在那個標準"},{"start":5963.129,"end":5981.44,"text":"就是解約金額十萬到二十萬還是這樣子嗎還是更會還會更放寬一點不要再更嚴了不要再更嚴格了我想這個部分大概就是類似這樣這樣因為還要還有共生我們只是提出一個方向而已所以要等到今年就今年拼今年年底把它送出去"},{"start":5982.08,"end":5996.106,"text":"對這是我們這也是我們今年這個會期列入我們金管會的優先推動了對其實明年很重要因為這件事情有非常多的很多的我們的一般的選民真的而且都是有些是弱勢的選民因為現在有幾十萬件"},{"start":5998.387,"end":5999.668,"text":"接著我們請李坤城委員"},{"start":6030.579,"end":6057.001,"text":"謝謝主席請這個彭主委請彭主委委員長主委好這個當沖降稅再延三年這個本來預計是從這個到年底延到這個2027年那其實草野都有共識了那本來在上個禮拜五如果順利三讀通過的話那我相信說大家都一定很開心因為這個是好的政策其實不分草野都有在支持"},{"start":6057.722,"end":6083.887,"text":"但是在上個禮拜五因為國民黨他把選罷法排在這個優先的法案然後後來因為有爭議性那我們希望說那是不是這一個沒有爭議性的這一個當沖降稅能夠排進去國民黨不同意那所以上個禮拜呢就沒有通過了那這個禮拜星期五看起來通過的機會也不大因為我們一樣是把這個當沖降稅呢列為優先的法案"},{"start":6084.434,"end":6096.99,"text":"但是呢國民黨一樣是把這個選罷法還有限速法呢列在優先的討論的這個法案裡面那我請教主委啊那如果這個這個禮拜五一樣當中降稅再延三年沒辦法過的話會有什麼影響"},{"start":6098.548,"end":6115.466,"text":"這個部分我們當然是期待這個會期因為這個只到今年的年底法律就是就到今年的年底那上次確實應該就在這個場地吧應該大家都已經同意了那我們也是期待本來是說排到當週的星期五就是上個禮拜五吧"},{"start":6116.147,"end":6132.994,"text":"因為我們也期待他過但是呢我們所有事情我們還是要做萬全的準備所以我們也在開始盤點說萬一立法遲延的時候我們該如何因應我們已經請我們的周邊單位相關的讓他該怎麼因應看起來是會這個禮拜五是沒辦法過啦"},{"start":6133.554,"end":6158.489,"text":"我們把各種的狀況我們還是期待我先把最壞的狀況跟你講了啊對對對我還是期待他過但是我們我跟你講這禮拜五不會過了啦那我們就備案的話我們就會來來啟動我們已經開始在做這件事情了那有哪些備案呢比如說第一個他先第一個一定系統要改系統要改他我們的交易的這個相關單位他就必須改變這個就要就要花花一些人力趕快來做這件事時間夠嗎我們有盤點過他們會盡量來配合"},{"start":6162.731,"end":6179.047,"text":"對,那時間要多長的時間啊?這個看每家公司,我沒有請他們開始在作業,我想距離現在還有一點點時間。我就跟你講不會過了啦,國民黨不會讓你過啦。不是,我說假設現在到年底還有一點點時間啦,我覺得我們一定會,如果真的這樣的話,我們一定會,一定也要完成啦。對。"},{"start":6180.208,"end":6194.274,"text":"那對啊你說第一個修改程式還有就是說中間還有一些那個待增的作業因為我們現在是待增嘛就等於說由我們的金融業者代替國家來徵收那這部分呢可能未來未來修法"},{"start":6195.41,"end":6196.792,"text":"主要是人力加班的支出"},{"start":6210.43,"end":6232.71,"text":"所以你們現在就開始營業嗎?因為今天明天20號了嘛,大概只剩下10天左右我們已經開始在...開始...我就跟你講要做最壞的打算跟準備因為明天國民黨還是把這個選罷法跟限數法又列在討論的這一個...我也希望能過但是從上個禮拜到明天,我看他們的優先法案"},{"start":6232.91,"end":6237.412,"text":"有關金融監督管理委員會主管中央政府總預算案附屬單位預算案附屬單位預算案附屬單位預算案附屬單位預算案"},{"start":6258.066,"end":6265.81,"text":"好再請教一下那本來齁我記得我在3月份的時候有問說這個金管會就是說今年要去這個中國去做這個金檢嘛對然後後來好像這個"},{"start":6270.316,"end":6297.743,"text":"這個對岸就說這個時機不妥那後來你們就沒有過去了當然那我們就去香港他是哪時候回覆你們的大概4月的時候4月對那後來我們就去香港香港檢查然後應該也就順利完成去香港去香港可以嗎香港可以那本來那中國呢中國現在就剛被推遲嘛那我們就用其他替代方式檢查那這樣也可以嗎我們就替代替代的方式檢查當然我們還是要去了解我們的國"},{"start":6300.065,"end":6310.761,"text":"我們在那邊的金融機構的經營狀況只是說我們沒辦法派員去但是很多的資料我們還是可以請他給我們看那所以如果今年沒辦法過去"},{"start":6311.448,"end":6338.786,"text":"那明年咧?我看你們還是有編預算明年要過去啊?他其實沒有說不可以只是說現在時機不宜我們還是會按照因為時機不宜就是說你就是不要你就讓你過去啊但是時機不宜的理由到底是什麼啊?當然我們就就因為四月份欸對就是我們現在因為彼此因為我們都有互設金融機構我們有簽那個金融合作的MOU本來就是我們就可以提出要去檢查的那個需求"},{"start":6339.346,"end":6343.976,"text":"連今年沒去了,四年沒去了還是可以請我們檢察局局長跟你簡單回覆一下"},{"start":6346.889,"end":6361.013,"text":"我們今年本來是要去三個分行但是因為大陸方面是建議暫緩辦理所以我們本來要去上海跟深圳就是兩家銀行各三家分行那因為剛好這兩家銀行我們在今年也有辦中信跟義銀"},{"start":6369.835,"end":6394.483,"text":"那剛好我們今年度也有對這兩家的總行有辦理一般業務檢查跟專案檢查所以我們就以調閱的方式來調閱這兩家銀行在大陸地區分行的相關資料來實施我們的金融檢查那至於預算執行的部分呢因為港澳是同一個預算科目所以呢今年大陸方面建議我們不要去我們就把相關的預算用在對香港的三家分行來實施精檢"},{"start":6394.923,"end":6416.572,"text":"所以明年還是會去問一下那個中國我們明年度還是一樣有編列預算我們是打算到兩家香港兩家那我們還是會循這個正常程序來跟陸方溝通好那我問一下齁那現在這個我們的這個在中國的銀行齁曝險的這個金額大概是多少現在大概應該是八千多億啊八千多億對"},{"start":6418.354,"end":6432.451,"text":"已經是歷史的低點就是說你們包含這個銀行、證券、保險其他兩個行業的付險那個金額都相對小總共加起來大概一兆出頭"},{"start":6433.83,"end":6458.944,"text":"對,我看一下那個資料,就是說大概暴險金額,你剛才說8000多億是不是?對,對,8700億左右那你有詳細的資料,你再給我沒有問題,這個我們有定期公佈這些資訊因為現在齁,中國不管是這個房地產或是其他的行業齁,這個風險都很高啦那所以我就是說,看一下就是說我們這個銀行業在那邊的這個暴險,暴險的金額是不是有降低啊?"},{"start":6459.244,"end":6479.18,"text":"其實我們對海外不只是我們都有都有相關的警示跟揭露機制在處理中那相關這些有歷年的資料再請我們同仁再提供給委員參考好那再問一下這一個主委是這個有關這個融資公司管理是那這個你們現在是請銀行工會來處理嗎不是"},{"start":6482.719,"end":6486.9,"text":"有關金融監督管理委員會主管中央存款保險股份有"},{"start":6502.706,"end":6525.809,"text":"對這個融資的這個租賃業有一個那個受信的這個實務的一個一個公告啦對那這個公告有實施了嗎有啊就是針對那個BMPL跟那個車貸的部分嘛是哪時候實施的上半年那個公佈了之後就立刻實施沒有我記得你們那時候是說年底啊怎麼會是上半年呢"},{"start":6527.174,"end":6535.859,"text":"年底的部分應該是沒有沒有年底的部分應該是我們現在正在做你們有一個什麼授信實務守則有這個東西嗎這個是有這個是針對那個集中度簽署"},{"start":6548.767,"end":6573.705,"text":"這個是針對那個BMPL還有再來就是中古車的車貸的一些相關的實務的授信的規定對那這也公告實施了嗎對這邊已經公告了是哪時候公告的這個是因為他工會經過我們洽息了之後他應該就可以執行了那時候"},{"start":6576.428,"end":6577.692,"text":"11月的時候11月的時候對"},{"start":6581.423,"end":6601.938,"text":"將資本額達一定規模以上的上市貴融資註定公司納入金融消費者保護法的適用範圍這個你們是要用行政命令公告的方式來實施嗎?是,就根據我們金融消費者保護法第3條的規定也已經公告了嗎?還沒還沒,我剛剛講還要尋求社會共識我記得好像11月的時候有問"},{"start":6606.981,"end":6633.124,"text":"對就是因為現在我覺得當然是希望這些被我們第一波納管的能夠也能夠了解我們整個的所有的內容所以我們還是希望趕快溝通完畢以後我們就公告公告以後兩個月生效以後我們準備兩個月大概能夠在希望能夠在半年五個月之內能夠再上路我記得上次問你們說你們說年底希望能夠納入這個啊信用消費者保護法適用範圍啊是沒錯因為"},{"start":6634.405,"end":6657.183,"text":"當時我們的預計是說我們希望在年底就能夠公告但是因為他們對我們很多做法還有疑慮還有透過一些希望我們再溝通能夠上次也有參加那個委員會的一個就是我們立法院的一個公聽會希望說我們再開兩次會跟他們溝通完畢我們再來上路我們覺得溝通很重要持續現在主力最大是什麼"},{"start":6658.344,"end":6672.732,"text":"我想他大概想的第一個可能對比如說未來我們的平益制度、成本還有就是平益的項目還有就是我們納管的強度這些東西因為他們畢竟是第一次所以我們會請我們的法務處還有平益這邊多跟他們溝通"},{"start":6674.453,"end":6698.95,"text":"那所以這個要納入這個金融消費者保護法大概哪時候才會納進去呢我想說如果說比如說假設我們最近能夠盡快的然後召開一些會議溝通完畢大家有共識了我們立刻就按照我剛剛的進程就是法規就公告公告60天後就生效生效完畢以後呢就準備兩個兩個月到三個月我們就開始"},{"start":6701.792,"end":6712.741,"text":"那所以這樣推算的話最快要半年的時間那已經很快了那已經很快了嗎那是必要的法定程序所以最快半年之內可以拿進去就對了對我們希望我們希望好加油啊謝謝謝謝謝謝委員"},{"start":6717.032,"end":6742.737,"text":"好 謝謝李崑禎委員李崑禎委員不用擔心禮拜五只要民進黨循規到底坐在座位上面按表決序一定會審到那個政交法我尊重你我們大家都我們大家都關心民生法案尊重你"},{"start":6747.816,"end":6767.205,"text":"有關金融監督管理委員會主管中央財政委員會主管中央財政委員會主管中央財政委員會主管中央財政委員會主管中央財政委員會"},{"start":6775.134,"end":6790.99,"text":"你們坐在座位上好好按表決序就可以了所有案子都會過主要你們不要在那邊鬧場就可以了謝謝謝謝主席我可不可以請一下主委副委員長"},{"start":6794.198,"end":6812.993,"text":"主委謝謝我們還是回到金管會最重要的業務還有這個會期我曾經質詢過的那剛才有前面幾位委員非常關心租賃業者的消費金融的業務要不要納入金保法這件事情前幾個禮拜我們有幾個委員也針對於這件事情開了一個協調會"},{"start":6814.795,"end":6825.029,"text":"委員會的共識其實非常的清楚為了協助業者體制的改善還有保護消費者的權益可以更健全還有政府制度化的規範大家其實是有共識的要納入金保法"},{"start":6829.736,"end":6846.668,"text":"但是我們都知道這些業者其實跟一般的金融業者不一樣所有要納入的其實如果說要納入的話是應該是6000多家都要納入所以他們租賃業者他並不是一般的金融業者在試用上我們覺得思考"},{"start":6847.549,"end":6850.83,"text":"有關金融監督管理委員會主管中央財政委員會主管中央財政委員會主管中央財政委員會主管中央財政委員會主管中央財政委員會"},{"start":6874.319,"end":6876.9,"text":"有關金融監督管理委員會主管中央存款保險股份有"},{"start":6895.445,"end":6912.502,"text":"全國有6000多家租賃業者這必須要有一個更完整的說法這你也非常清楚但是金管會對於業者的納入其實包括業者要納入金保法的管理包括系統的調整合約的調整人員的訓練"},{"start":6913.863,"end":6938.037,"text":"都是勢必要給一些緩衝期這些事情在所有新的法規要做的時候我相信都會有一些準備的作業時間不論是你們在法規上做準備業者公共在法規上做準備勢必都要做得更完整這才是有機會獲得雙贏所以業者納入金保法之後未來他們還提出一個未來納入消費爭議譬如說我買一個按摩椅先用後付"},{"start":6946.484,"end":6957.096,"text":"動輒調解費都要上萬元前面我們有提到說其實我買這個東西才三萬元但是我後面要進入調解的費用可能就要好幾千塊甚至上萬塊這個對業者來說他們有陳情這個對他們來說負擔非常重"},{"start":6961.681,"end":6985.736,"text":"有時候消費者的爭議不完全是業者錯誤有時候是在法規上的問題有時候是消費者問題不管這是個案的問題但是我覺得我之前在其他會當中都有反映這件事情我們也希望透過這個協調會把無論調解的費用如何去降低因為這麼多它可能消費的爭議只有三萬塊只有五千塊只有六千塊可是光這樣一個調解爭議就要"},{"start":6987.017,"end":7003.554,"text":"好幾千塊甚至是上萬塊這個問題如何去做解決我們大家有互動有答案有共識也都各自帶著功課回家我們也希望儘速的我們把大家私底下你們也都多溝通然後儘速的配合我們可以趕快上路但是絕對不是像"},{"start":7009.58,"end":7021.962,"text":"某些委員開協調會就有人質疑說你們被施壓了我覺得在立法院各別委員都彼此互相尊重每天每一個委員立法院113位委員各自都有普通的協調會在溝通"},{"start":7023.959,"end":7028.244,"text":"有關金融監督管理委員會主管中央存款保險股份有關金融監督管理委員會主管中央存款保險股份有關金融監督管理委員會主管中央存款保險股份"},{"start":7043.661,"end":7070.044,"text":"主席 主委我上次問過你那個我們的TWIC是要上路的部分2026 1月1號我們要適用新的會計準則那你當時在這個會期上個會期的時候你有答應我說我們會有第4個階段你有說明過而且11月底前會有定案那也讓業者有足夠時間來準備那我們現在第4期我注意到的是我還沒公布是對不對還沒還沒"},{"start":7070.785,"end":7093.145,"text":"那我們是不是有碰到什麼困難因為當時你有說有一些變數我們可能要調整包括調整一些風險的係數還有一些其他的問題那到底我們碰到哪些挑戰跟問題那委員剛剛我簡短回應你剛剛好簡短因為我只有三分鐘剛剛那融資公司我們還是期待多溝通大家有共識趕快來做"},{"start":7096.223,"end":7109.33,"text":"我們有施壓嗎?沒有啦,我覺得溝通是很重要的啦因為他們如果說對於我們講不清楚我覺得繼續溝通因為畢竟這個是一個比較特殊的做法一定要大家有共識"},{"start":7110.33,"end":7133.299,"text":"因為法規上你們其實不可以針對三家你們是要一體適用你非常清楚好沒關係沒關係我們就是希望他趕快做對大家多溝通對來那第二個有關那個我們第四階段的部分其實我們現在因為主要是這樣我們第四階段主要剛剛講有兩個主要的做法一個叫做在地化一個叫做過渡化一個叫做過渡嘛"},{"start":7134.159,"end":7157.609,"text":"那過渡的部分應該都差不多現在就在地化的部分因為我們現在就是要針對一些我們自己所適用的這些的參數來做那哪些參數你現在要調整比如說舉個例您現在是舉例過所以接下來什麼時候會公佈那哪些參數你會增加我們還是年底以前會公佈我們做的12月31日之前會公佈第4階段就是我們現在就是比如說我們的利率的SHOCK"},{"start":7158.089,"end":7165.494,"text":"離併率、長壽、SHARK、資本市長有資料可以來算假設有台灣資料更可信的時候,我們就會朝這幾個方向來做在地化方法論我們是用國際的標準,但是我們的資料當然是我們自己最好"},{"start":7183.547,"end":7204.268,"text":"所以你再地化會增加幾個係數就對了這幾個只要是我們台灣有係數的部分我們都會考慮好所以那我最後一個問題我們最終還沒有定案最後我還是在年底之前我會跟大家報告那會有第五階段嗎在20261月1號之前沒有就是說我們是應該這樣講我們一個政策一定是希望周延所以我想說"},{"start":7205.129,"end":7205.49,"text":"現在是沒有這樣的一個計劃但是"},{"start":7220.632,"end":7234.443,"text":"未來接軌要一年很長的時間有什麼重大的比如國際政經形勢的變化我覺得還是你可能會做滾動式的調整那當然是所有政策所必要的好謝謝主委好我這個議題結束好這個主委我接下來要問一下詐騙的議題"},{"start":7236.084,"end":7239.069,"text":"有關金融監督管理委員會主管中央存款保險股份有"},{"start":7252.068,"end":7281.258,"text":"我覺得要去做一些調整跟討論所以主委現在無論對於人頭賬戶的管理林貴的關懷我們有做了幾件事情我都非常的支持那但是第一個就是我們現在銀行局有盯上跳槽族這件事情主委你應該也有小孩小孩也會開始出去找工作我現在面臨幾個年輕人也跟我陳情就是說他們剛開始可能會在工作前期可能一個工作做"},{"start":7281.678,"end":7283.599,"text":"二、審查中華民國11年度中央政府總預算案有關金融監督管理委員會主管中華民國11年度中央政府總預算案有"},{"start":7304.781,"end":7332.442,"text":"很痛苦的事情所以在這些年輕人有跟我澄清在這些轉換的過程當中有沒有什麼更好的做法比如說我們可不可以主動跟勞動部去做一些溝通協調還是說在他的同意底下就是說他們在簽說如果6個月之內你有什麼工作的轉換你可以去從勞動部調他的資料他是有薪資轉換我同意你們對高風險的人口帳戶做列管但是同時我們有什麼樣的機制"},{"start":7333.843,"end":7357.958,"text":"我們每個人都可能有一個銀行以上不同銀行的帳戶當然當然所以這件事情如何做更妥善的處理這個齁 這個跟委員報告有些其實齁 這個我最近跟金融機構因為我們現在從11月開始我們要求所有的銀行都要設置打詐主管是那執行責任地圖制齁那裡面一個很重要的就是說我們希望他做精準的打擊"},{"start":7359.42,"end":7378.563,"text":"所以精準答案就剛才講說確實我們現在很多的新轉戶就是高頻的那種新轉戶是成為是那個很喜歡去收購的這樣那個確實我們看到所以剛才講說很多比如年輕人因為他轉換工作比較頻繁可能就會列為是一個高風險的賬戶當然有些是很正常的轉值所以我們講說要怎麼精準"},{"start":7379.063,"end":7401.079,"text":"對 如果說我的助理他從台北市政府轉到台灣銀行轉到立法院來上班那他如果拿一個薪資報告去跟富邦銀行解說沒有我只是轉到這裡我完全是很正常的這個可不可以怎麼樣去做處理但我們一定會來朝這個方向來精進因為確實齁因為我們所有的警示的這些的項目一定有些是真的有些是"},{"start":7401.96,"end":7420.816,"text":"沒有問題的這個我第一個提醒他個人可以怎麼處理然後你們可以怎麼樣跟勞動部做勾結這第一點第二點現在10件詐騙案有9件都還是從所有的平台無論LINE、臉書、TikTok還是YouTube都從這邊出來"},{"start":7422.998,"end":7437.267,"text":"我們到底我知道這是數位部的問題還有其他單位我們也有這部分你們也有吼對我們對那個投資就是那個涉及證券的部分那一塊除了這樣子我們政府有所有的單位我們怎麼樣因為我覺得他們做的並不好"},{"start":7438.406,"end":7462.654,"text":"我們也沒有好好地說我們現在已經有做一個新的做法不投放廣告或者還有什麼其他的手段工具我們政府應該做你知道這個真的是我每天服務處都接到這麼多的電話被詐騙我真的是不知道所以這一點我們有注意到這個可能做法我不方便在這邊說對於這個廣告下架的這個部分我們有新的做法什麼時候會公佈這個不公佈"},{"start":7465.315,"end":7493.715,"text":"這個因為我們不能對外講對外講他就知道我們怎麼做那你會做已經在做已經在做那我什麼時候可以看到具體的成效那我希望也能夠有成效因為我們也說因為我一講說這種打詐的方法我們最好不要再公開的說因為公開說其實很多他就知道我們對應的方法主委我同意但是我期待看到你的成效因為現在我現在看到我們打詐的方法過了但成效並不好你非常的清楚數量數量數字數量其實都越來越多"},{"start":7494.776,"end":7495.396,"text":"接著我們請吳立懷委員"},{"start":7535.391,"end":7557.425,"text":"謝謝主席再次有請主委委員長好主委早好我知道金管會一直都很重視如何把金融業在國外的資金特別是受險業把它引回那我們特別看到一些數據資料例如保險業的資金36兆"},{"start":7559.366,"end":7581.463,"text":"投信業境內外的基金17兆特別是國人的存款54兆他顯示的就是國內超額存款的比例是相當高的那代表我們的資金應該要活用但是重點要有投資的標的那我們也看到一些數據例如像金融業持有台股2.87兆當中受險業就佔了1.85兆"},{"start":7585.126,"end":7587.748,"text":"債券31兆當中受險業有21.5兆顯示受險業佔我們臺灣金融業的國內投資佔了7成多﹐比例相當的高甚至是它的海外債券也是臺股的11.6倍"},{"start":7602.78,"end":7619.755,"text":"所以這個現象也造成我們很重視要怎麼樣把它引流回來那我知道前幾天我們有辦一個2024的保險論壇這個當中卓院長他的致詞發言也特別提到一個叫做兆元投資國家方案"},{"start":7620.396,"end":7636.817,"text":"那第一個就是他要推動一個平台去媒合一些案源跟業者優化我們公共建設的融資條件然後增加公共建設的金融商品那這顯示的就是我們過去的這種政府採購法"},{"start":7638.058,"end":7654.433,"text":"他防弊的心態比較重導致這些法規限制使得獲益降低也使得進場的意願很低那他們比較喜歡的看起來是希望政府要來提供金融商品這個看起來是大家一致的意見"},{"start":7655.614,"end":7679.254,"text":"財政部在促三2.0有一個有償PPP的模式也就是說由政府編列預算去買回一部分或全部的公共服務定期的付費給民間機構因為這樣就會報酬穩定可以降低投資的風險也就會吸引民間的資金這其中有提到適合的公共建設像是污水下水道"},{"start":7679.734,"end":7698.219,"text":"自來水水利設施、環境污染防治設施、交通建設或者是社福這些設施那其中的本來沒有那後來大家我們也一直關切的就是放入衛生福利醫療設施例如長照那主委你應該也知道我很關心這件事你看"},{"start":7699.159,"end":7713.752,"text":"我們的原鄉長照吼真的是做得最不好的最沒有的就是沒有照顧到這些失能老人沒有住宿式的長照機構那今年8月終於有一個第一間"},{"start":7714.672,"end":7742.987,"text":"在臺東那也顯示他的速度是非常的緩慢可是為什麼會這樣因為政策的引導不足甚至是排斥這個表格他是112到114我們衛福部的一個獎勵資源獎補助的部件區域這個當中沒有任何一個原鄉在裡面沒有任何一個原鄉我想問一下主委您覺得理由是什麼"},{"start":7745.218,"end":7751.404,"text":"呃我想齁因為我真的不是這方面的專家啦我就直觀的認為我覺得當然是因為他"},{"start":7753.046,"end":7764.874,"text":"可能人數還有就是資源條件的問題好 我跟您說齁 這個理由真是氣死人齁他說需求人數未達營運規模啦那政府就很奇怪啦又口口聲聲說要做長照又說我們的投資標的也可以放入長照又告訴你說他需求人數未達營運標準這非常矛盾啊"},{"start":7779.824,"end":7802.537,"text":"所以我想要請教一下就是主委就是山地原鄉長期缺乏長住型的這種住宿型機構他是事實那速餐2.0上路之後呢政府推動有償PPP這個財政部模式也是事實您認為是不是有助於國內受險業的資金投資我們原鄉的長照您認為"},{"start":7803.377,"end":7811.532,"text":"那當然其實我在很多場合都提過其實受險業是有高度興趣投入國內的長照抱歉"},{"start":7815.109,"end":7837.541,"text":"但是因為受險業的資金有成本所以他的投資一定要有合理的回報否則他沒辦法因應他的負債的結構所以假設任何一個投資這個內容它本身是有自償性比如說假設長照機構可以收住宿費如果再加上一些政府的補貼那這樣的話就有可能讓他有一個穩定的報酬"},{"start":7838.181,"end":7852.593,"text":"政府就不用出錢來營建,他就可以透過這個資金進來比如說他也可以用發債的方式然後給予固定的那個債息,他就可以長期的投資又加上政府的保證具有穩定的收入,那就有可能做到這一點"},{"start":7854.515,"end":7869.927,"text":"謝謝我看起來也是如此我們來看一下在這一次的2024保險論壇受險工會的常務理事吳傑他說受險業者是有意願的他說社宅醫療他說也是他們有願意投資的項目"},{"start":7871.388,"end":7894.645,"text":"那我看到這個南山人壽總經理范文偉他也提到說他們希望未來的公共建設有更多元投資的方式包括這個REIT或者是PE債券化、證券化所以總而言之就是希望公共建設要把它給證券化、債券化增加公共建設的金融商品那畢竟"},{"start":7895.966,"end":7901.347,"text":"這個是大家的期待可是事實是我們政府的公債數量確實是不多所以這個投報率呢是很重要的一個關鍵那所以呢看起來我們國內的受險業者對於投資長照這個公共建設並非沒有意願但是希望可以擺脫過往政府這種採購的思維那透過好的金融商品去做籌資特別是基金、債券"},{"start":7923.852,"end":7944.545,"text":"但是到底要發行什麼商品它的投報率到底能不能過高所以我這邊要特別請教一下主委那如果說我們要提高這個投資報酬率讓受險資金願意配合政府的政策統入公共建設那您認為到底要怎麼做特別是原鄉的長照或公共建設"},{"start":7945.886,"end":7960.167,"text":"根委員報告其實我們在這次兆元投資計畫裡面有一個很重要的概念就是說希望我們的公部門釋出未來可能會證券化或債券化的案源像比如說我們剛才講假設以債券化現在已經有幾個個案在談"},{"start":7961.161,"end":7988.745,"text":"怎麼樣發這個永續債這個方式那尤其很多地方政府是很有興趣我想這個應該很快會有些成績那我就是想知道進度如何對那這部分你再講像REITS也有規劃嗎那個REITS因為我們還在那個立法院我們希望說看看如果能夠盡快通過的話要超前部署啊對有規劃嗎當然很多人在做準備了因為這個大家都很看好其他國家這個部分是用來包裝公件成為一個證券化很重要的一個工具"},{"start":7989.065,"end":7997.241,"text":"所以是有進度的進展中的我們已經請我們的周邊單位開始去研議這些東西但是還要等法律通過那另外一個就是說"},{"start":7998.516,"end":8026.98,"text":"我們也請我們的交易所跟櫃買由他們董事長領軍我們請他成立一個義務性的叫做資本市場服務團就來協助我們的政府機關說如果你有好的案源你怕你沒有那個證券化的知識沒關係他可以來幫你評估然後做出一個我們市場可以接受的這產品我們希望這個也有在談的像剛才講說我想前陣子國發會主委也提到就是說我們的自來水漏水很嚴重假設有人願意來投資再來做的話"},{"start":8027.5,"end":8031.144,"text":"有關金融監督管理委員會主管中央政府總預算案有關金融監督管理委員會主管中央政府總預算案有"},{"start":8045.842,"end":8071.18,"text":"就是他除了那個長照可能是規模不夠不賺錢他會規劃結合一個共同開發產生收益就可以我們蓋一個車站不賺錢但他上面有些商業利益就有可能成為是一個可行的方案這就可以朝這個方向來施策非常謝謝我希望主委您在這方面要多多的替我們原鄉如何引進投資來幫我們去做一個設計規劃這是我們普惠金融想推的"},{"start":8071.84,"end":8090.236,"text":"那剛剛您也有提到其實像是這些長照我們也有聽到像政企局的官員風力發電、太陽能發電其實都有包含在這個當中表示說大家是有意願的但是我也想介紹一下主委您看一下其實我們現在原鄉"},{"start":8091.798,"end":8116.984,"text":"也很想做這一些升值能發電再生能源的一個開發利用畢竟我們的廢材廢料很多那現在氣候變遷這樣異常的狀況下我們也很需要去發展來自給自足那像政府呢其實像經濟部能源局他也有一些再生能源的示範獎勵辦法但是我跟您說現在退出以來沒有任何一個相公所願意投入為什麼因為他為了補助一千萬"},{"start":8120.185,"end":8144.46,"text":"他要自籌4000萬所以其實融資始終是一個最大的問題又或者像這個公民電廠的獎勵辦法他可以協會合作社可以來申請但是一樣啊他為了那一點點的錢他要找更多的錢來投資所以也都卡關那我知道你們金管會曾經提出一個叫綠色授信那請教一下主委齁這個要怎麼幫助我們園鄉如果參與這一類的事情"},{"start":8147.499,"end":8163.416,"text":"那當然就是我們現在我們在做那個綠色金融轉型行動方案裡面呢怎麼樣支持這個這個這個綠色的轉型跟產業是我們一個方向那這個我們要按照個案來看他的他的內容因為他畢竟還是一個"},{"start":8164.477,"end":8189.877,"text":"一個商業行為是那我想說這部分若有個案的話我們可以來評估好那主委反正時間的關係總之像怎麼活用這些綠色獸性這些很多工具那我想這個部分我還是希望說金管會再幫忙多想一想也希望在三個月內給我一個報告讓我知道我們可以怎麼樣共同來協助原鄉來發展提供幾個具體的"},{"start":8191.878,"end":8192.558,"text":"有請今晚會鵬主委"},{"start":8215.587,"end":8240.554,"text":"主委瑞齒這個我想大家都非常支持這個法案也已經出了委員會那你們應該去追一下為什麼到因為那時候是民進黨的召委這個主持的那為什麼現在到現在這個到底應該你們也是執政團隊應該去詢問一下民進黨團為什麼到現在這個案子都還沒有排上是我們在努力中對啊是到底還有什麼議題嗎因為大家都沒有什麼意見這也是相當好的這個法令"},{"start":8241.974,"end":8263.342,"text":"第二本席也肯定你對這個做這個未雨綢繆有關這個當沖降稅這件事情明天的院會如果說是按照民主程序大家都循規蹈矩坐在座位上按表決鈕的話那所有的法案都會循序的是通過或是否決那事實上這個當沖降稅這個大家事實上也沒有什麼朝野各黨派都沒有什麼意見大家也都是支持延長"},{"start":8264.142,"end":8264.523,"text":"有關金融消費者保護法"},{"start":8281.526,"end":8305.869,"text":"其實它的範圍很難界定,要看它登記有粗略沒有官方的統計應該是數千家多少家數千家數千,一千、三千、五千這個就是它的邊界數千,反正千家以上嘛因為其實這個定義很難啦沒關係,你們的粗略統計大概有數千家幾千家就對了那幾千家現在應該是屬於經濟部公司法所管的經濟部所主管的嘛"},{"start":8306.229,"end":8306.849,"text":"金融監督管理委員會主管中央存款保險股份"},{"start":8330.096,"end":8350.61,"text":"金融消費者保護法你要使用的是第三條本法所定之金融服務業包括銀行、證券、期貨、保險、電子租業及其他金主管機關公告之金融服務業金融服務業你要公告你們要做公告所以你們公告絕對不是一家兩家的產業你們公告是這個產業這句話是金融服務業"},{"start":8354.432,"end":8362.764,"text":"一個產業所以不管是一千家兩千家我很肯定你們願意把這一兩千家納入我們金融監督管的這個範圍其實沒有這個範圍我跟委員報告一下就等於說分兩點一個就那個條文"},{"start":8370.876,"end":8395.679,"text":"指定之產業公告公告公告之金融服務業他說的是產業嘛金融服務業這是產業金融服務業這是一個產業不是某一家嘛現在比如說我們那個所謂我們一般在講的融資公司對有人叫做融資租賃公司對有人叫做理財公司不管嘛反正數千家他不是一個現在不是一個產業所以他還不是一個產業他沒辦法就是說定義比如銀行業我就定義你沒有辦法所以"},{"start":8396.219,"end":8421.989,"text":"所以你認為這麼幾千家還不足以成為一個產業他有分各種各式各樣他其實不是不是一個成型一樣你如果要特別公告那所謂那三家我們所謂的三大這個租賃業那那個本來就在你們監管的範圍因為他們是上市櫃公司他們本來就接受你們監管嘛如果你們要把他納入把那三家特別納入我覺得你知道你是學者出身嘛你知道行政程序法吧"},{"start":8423.129,"end":8423.85,"text":"行政程序法第6條"},{"start":8445.934,"end":8468.904,"text":"對 原則平等的行為嘛 原則平等的行為嘛行政行為我練給你 非有正當理由不得為差別待遇嘛所以等則等之 不等則不等之嘛 這個法務這邊沒有什麼意見嘛對啊 這個是我們學 我們要學行政法律的 這個是ABC嘛好 那如果這樣的 這樣的情況下 如果你要特別的管制幾家業者 這造成一個不平等"},{"start":8469.224,"end":8470.345,"text":"有關金融監督管理委員會主管中央存款保險股份有"},{"start":8484.571,"end":8499.227,"text":"事情您回去研究一下是沒有問題我可以研究我事實上不畏懼任何人說我們接受任何陳情我也是有接受陳情因為本來對的事情就應該做政府的任何行政行為影響到不管各個產業或是本來你們就應該要依法行政"},{"start":8499.967,"end":8522.042,"text":"這是最基本原則那還有一點跟委員簡單說明就好就是說我們對融資公司這麼多的公司裡面上次行政院那個政委裡面有做個分工的協調金管會他只會管部分的大型的金融機構你們該管的就是你們照法規定比如上市規定這個屬於你們監管任何一家不管他是哪一個本來就歸你們管但是你們如果按照產業者對產業某幾家挑起來管你們本來在監管裡頭就應該監管這個是你們的"},{"start":8529.227,"end":8553.189,"text":"合法的這個監管行為但是如果你要做這個公告你就要按照依法公告這個公告就必須按照法律他的第三條規定的按照產業如果你要把這個產業整個搬到你這邊來公告那個我也是尊重你因為你要管數千家你勇於承擔我也是表示肯定這不可能金管會不可能管數千家那不可能你就不能做差別行為的待遇這不能做差別這是行政法規定這個你今天不是編這個因為下去我要有其他議題了解謝謝你們回去法律的研究"},{"start":8555.811,"end":8558.632,"text":"有關金融監督管理委員會主管中央存款保險股份有關金融監督管理委員會主管中央存款保險股份"},{"start":8578.237,"end":8581.079,"text":"有關金融監督管理委員會主管中央存款保險股份有有關金融監督管理委員會主管中央存款保險股份有"},{"start":8607.74,"end":8609.061,"text":"有關金融監督管理委員會主管中央存款保險股份有"},{"start":8632.432,"end":8659.766,"text":"不管怎麼樣金融一定會很多交流往來這個無可避免人來來往往或是這個也有住在那邊的人也有過來反正這個一定有那這個東西也許金門可以扮演一個角色那我看到在我們這個金我們的之前考察結束後有相關的新聞報導以後我看到這個大陸那一邊就是這個臺辦那邊國台辦特別針對這一點有說這個願意和金門同胞共同探索"},{"start":8661.207,"end":8679.83,"text":"兩岸金融領域融合發展的新入境和新模式這是大陸特別提出來的這個事實上我們也從來我們是希望說金門可以在這個東西辦什麼但大陸主動也提出來這個東西那所以在這個部分裡頭我看到陸委會有說法就是說這個部分就是說"},{"start":8680.891,"end":8703.94,"text":"金融業者赴金門去設點要市場虛動而非政治力量這個我也同意然後接著他說整體政策應該透過這個金管會來演習那陸委會就是說這個至於在兩岸之間是不是在金門這個地方可以扮演什麼角色這個應該是由你們來這個來再做一些研究發展研究啦那這個部分的話你有什麼看法嗎"},{"start":8704.68,"end":8728.517,"text":"我想我們陳副主委也有參與這次的參訪也有去深入的去跟比如說現場他回來就有說這件事情後來看到的媒體的報導我們後面這些同仁就是我就回去就說這個議題你要先開始來研究一下比如說保險方面說不定讓大陸人到金門去說不定可以買保單啊什麼的這個也是增進我們產業的發展這是都是有可能的"},{"start":8729.217,"end":8736.024,"text":"所以我們現在就請同仁你們去研究一下啦這個再給我一個到時候給我們一個大家來看怎麼樣讓這個在兩岸之間金門扮演這個角色說在旅遊觀光這方面這個也看能不能也幫助我們國內也會有業者說不定有這樣的需求有人對金門很關心這是當然金門的立委"},{"start":8749.017,"end":8749.518,"text":"委員也是法律專家我們講行其無形"},{"start":8772.475,"end":8794.068,"text":"政府的公權力不是為了裁判而且如果單只兩年就說怎麼樣這我覺得也是很特別我想這個完全沒辦法這樣比你我上任就講過其實監理不能鬆但是發展不能忘這個我也肯定你你事實上業界有很多肯定說事實上這個希望有一個創新的改變不過對於應該合法遵守的"},{"start":8798.194,"end":8802.039,"text":"有關金融監督管理委員會主管中央存款保險股份有關金融監督管理委員會主管中央存款保險股份"},{"start":8815.836,"end":8837.963,"text":"沒有我想這已經進入到司法程序對那進入司法對下一個問題就是如果已經涉及刑事責任那當然刑事上我們檢調單位他應該負責嘛那在你們行政上來講今晚後來也不用管了嗎沒有我們當然會去研究這個案例因為這個是在境外的合併案是境外的合併案不只一個啦我這邊手上好幾個檢舉的案例啦我的意思是說我的意思是說"},{"start":8839.409,"end":8860.496,"text":"刑事的部分．調查有很多種．監管管理有很多種．刑事．法律上有刑事的．有行政的．刑事的我們交給檢調單位去．你們理由事實上也有檢察官．你們也有相關．你們也可以去調查．但是到了行政的部分．是不是你們就應該還是應該進行行政上的監管呢．還是你就真的你商量以後．就開始變成如大家所說．開始不管了．"},{"start":8861.676,"end":8890.466,"text":"跟委員報告該我們管我們也我們不是想不想管我們也跑不掉該我們管我們就是要管沒有說想不想管的問題我想這個是應該的若不是我們管的話你不是想管就所以行政上的監管應該還是要存在嘛對吧如果他是屬於我們轄管範圍我們當然要管我們手頭上有相當多的這個這個不管是民間來的這個檢舉案件所以我們會一一的跟你們資料提供給你們希望你們要確實的這個監管當然我們依法辦理一定要依法辦理"},{"start":8891.246,"end":8891.386,"text":"主席"},{"start":8916.247,"end":8939.441,"text":"主席各位列席委員大家好主席有請監管會的彭主委主委好主委好主委2025年的台股形勢曆已經出爐了那全年台股交易日有246天那農曆年休市11天就是史上第二場僅次於2023年的12天"},{"start":8942.023,"end":8957.313,"text":"那請問主委說有沒有掌握休市這麼多天之後股市的波動那還有就請教主委對於明年一整年股市你有什麼期許可不可以簡單說明其實這是每年我們都會遇到的例行只是長短的差別因為通常我們"},{"start":8958.354,"end":8983.033,"text":"不是全世界的股市互相聯動應該講全世界的股市互相聯動但是不是所有的股市向我們放春節這個這很多問題這個我們會例行線我還是提醒主委啦因為新的一年那金管會一定要掌握好這個股市的態度美國總統也要上任了那國際情勢、地緣政治還有國際股市的升降期、通膨等等這些因素都要掌控好我們希望說台股能夠繼續穩健的成長"},{"start":8984.554,"end":9011.708,"text":"金融業正面臨數位轉型還有永續轉型的雙重挑戰在這個關鍵的時刻金管會扮演著這個引領的角色那透過政策的規劃還有創新支持那協助這個金融業能夠順利的轉型那並且提升整體的競爭力那主委你特別強調說在轉型這個數位轉型的浪潮當中這個金融業應該加強數位能力還有科技應用能力對不對這你強調過"},{"start":9013.449,"end":9038.122,"text":"建構具有國際競爭力的一個數位金融體系為了實現這個數位轉型還有永續轉型的常理目標金融會預計在明年要成立金融市場發展及創新處可不可以請教主委在這邊說明這個創新處的業務是什麼那你希望他達到什麼樣的目標如何幫助我國在金融方面能夠更進一步"},{"start":9038.502,"end":9064.365,"text":"好 謝謝委員剛剛委員提到沒有錯金融業它面對整個全社會的數位轉型一定要提升它自己的科技能力以及數位應用能力怎麼樣把數位科技發展出來應用在各個的所謂的營業活動層面上那我們剛才提到就是說我們明年就是要設立這個金融市場發展與創新處主要是"},{"start":9065.046,"end":9066.528,"text":"有關金融監督管理委員會主管中央存款保險股份有"},{"start":9081.147,"end":9105.768,"text":"永續金融科那第四個就是市場發展科我想從這個名稱就可以看出來我們未來對這個市場有什麼樣的期待那跟委員做一個簡單的說明那你在114年度的預算案中這個一般行政就是說要新設立的這個我們這個創新處一般行政還有金融監理的這個計畫向下共編列了2100多萬的一個預算"},{"start":9108.67,"end":9127.549,"text":"我對於金管會要設立這個創新處的必要性還有它肩負的這個責任我表示理解那也認同說要推動數位轉型還有永續發展這個重要性但是新創的一個機構需要投入很多的經費但是希望說應該要注重說這個經費運用的效率跟它的效益"},{"start":9128.87,"end":9155.765,"text":"請教主委這兩千多萬是要花在哪裡第一個主要是一個很大一部分就是人事費我想這個就是人事聘人就是錢第二個就是他有新的處需要新的辦公處所我們花了一千多萬就是要裝潢那個二十幾位同仁的這些辦公室跟辦公設備採購這些辦公設備但是我跟主委強調因為還是當省則省我們現在看到很多預算都非常不合理那我當然知道我們主委"},{"start":9157.405,"end":9180.222,"text":"應該是會嚴格把關嚴格審核每一筆經費的必要性跟合理性我們要拒絕不必要的開銷那也期望說金管會在推動創新處的同時有效的來控制經費的支出做得多用得少確保每份資金都可以發揮到它應有的價值主委我再請教主委就是虛擬貨幣市場的問題"},{"start":9183.064,"end":9194.923,"text":"那虛擬貨幣市場的監理是民眾高度關注的因為隨著市場規模越來越大然後技術發展的日新月異那金融對於這個金融市場的穩定還有民眾財產安全"},{"start":9197.752,"end":9215.345,"text":"這大家最關心了這財產安全的部分那所以我虛擬貨幣涉及的這個範疇非常的廣泛不管是資金流動、交易、監控還是境外的資金運作都對現行的監理機制這個非常大的挑戰"},{"start":9217.284,"end":9220.147,"text":"有關金融監督管理委員會主管中央存款保險股份有"},{"start":9237.546,"end":9252.083,"text":"去年12月就已經展開這個專案調查那發現我們國內的企業這個不管是內部控管、法規遵循方面還有客戶審查這些交易監控不足的問題你們對於有4家"},{"start":9252.964,"end":9281.921,"text":"有4家業者提出的這個罰款累計超過550萬對超過550萬這樣子做得對啦就是要這樣做但是我相信不只這樣今年我們還在持續檢查對對對不只這樣那我們要把這些害群之馬還是說這些存著僥倖心態的這些業者要嚴加的控管不可以如果業者屢勸不聽你們提出祭出罰款之後那一樣是屢勸不聽那這樣子一再一再的"},{"start":9284.753,"end":9294.465,"text":"一再的這個犯錯那對於他的內部控管還有法規遵循的部分儘管會除了罰款之外你能夠採取什麼樣更進一步的手段"},{"start":9295.197,"end":9320.971,"text":"對我想齁這個我們如果馬上有專法的話我們該有的機構管理的東西我們全部都會有那現在是以洗錢防治為主嘛那主要是未來這個專法出來以後呢他就是可以想像就是一個我們對這個機構的管理那機構包括人員發照、撤照這些都是還有一些處分都會都會完備所以主委專法速度一定要快啊所以我們現在已經在進行中"},{"start":9322.692,"end":9339.109,"text":"我們現在的草案我們在內部在密集的在討論還在討論那我們1月會對外公聽然後6月底前會送進行政院6月好那我想未來期待在開法規範還有這個教育投資人"},{"start":9340.05,"end":9352.333,"text":"這部分我相信一定要更全面的作為讓大家更清楚了解打造一個透明、公平還有穩定的一個虛擬市場的環境好不好?是,當然好,謝謝主委那我接著請洋局的莊局長委員好局長請教局長我先前這個質詢的時候就有提到因為這個防止遊戲點數詐騙的問題"},{"start":9368.24,"end":9397.338,"text":"那你們提出的方案是說回歸由發卡行來強化本身這個信用卡的一個風險控管那主委你先請回謝謝這個部分就是說你們就是說強調說就是把這個案子回歸由發卡行來控管嘛避免說他們內部的問題外部化這是你們的說法那這個部分但是你們預計說今年年底就是即將到的年底就可以上路是這樣子嗎"},{"start":9398.118,"end":9415.076,"text":"報告委員除了這個方航的控管之外因為當時遊戲業者他們也有參與這樣子的討論他們是說他們主動說願意說跟銀行之間有一個聯防的機制所以這個部分的話會繼續再討論下去還在討論對"},{"start":9417.719,"end":9440.843,"text":"所以現在是跟各大銀行溝通討論嘛還沒有訂一個期程嘛因為那個方卡機構自己的控管本來就已經有了啦他們自己內部的機制要控管其實比較容易那至於討論的沒有落實啊因為我現在不斷的接到陳情就是都一直有這些詐騙的這種行為不斷的在發生所以我要告訴你就是說"},{"start":9442.54,"end":9466.008,"text":"我接到民眾的陳情他在臉書上他在臉書上面去要去買那個火影忍者火影忍者名人的一番賞模型那個在4000多塊4700塊那對方給他一個條碼要他去超商繳款那他自己也很疑惑啊他不確定啊但是他對方一直催他說你不去繳他就賣給別人啊那他就"},{"start":9467.386,"end":9472.252,"text":"不得不只好去繳了結果繳了之後才發現說那4700塊是用來幫對方買那個娛樂城的點數娛樂城你知道嗎娛樂城"},{"start":9479.951,"end":9498.521,"text":"就是網路下注那一種有很多種娛樂城不管是賭博的還是遊戲的都是那一種當然他們付了之後就找不到人了就會放鳥了對方也不回他了所以事先去就被騙走了那他有去警局報案那報案之後也發現說對方是慣犯"},{"start":9500.382,"end":9514.435,"text":"用同樣的手法騙了很多人一樣的手法可以持續的這樣子詐騙不管那個是小錢還是大錢有這個4千7就有4萬7就有47萬就有400萬我們每天台灣目前每天受到詐騙的金額"},{"start":9516.189,"end":9540.103,"text":"好幾億啦,其實這個公布的數字是一億兩億那一年是三四百億,其實不止啦那只是冰山一角啦所以說這個部分我是想說像你們114年度的預算案銀行監禮編入了731萬7千元說目的要健全這個銀行業務的管理那我認為說這個進步的空間太大了"},{"start":9540.723,"end":9558.932,"text":"局長你有什麼看法因為時間有限你光112年的詐騙案件發生數是37000多件112年比111年比他的前一年多出了8300件征服是28.17%這個是有揭露的跟你講真的是沒揭露的很多"},{"start":9561.833,"end":9585.637,"text":"有可能是他的數倍啦所以這部分我相信是沒有這些措施我們知道監管會祭出了很多防詐打詐的措施但是我們真的是沒有得到滿意的這樣子的效果所以我們要期許這個監管會、銀行局加強這個監管的力道好不好好委員會我們會盡量對一定要落實啦愛走啦好謝謝好謝謝允寬藤委員接著我們請黃珊珊委員"},{"start":9595.58,"end":9596.42,"text":"有關金融監督管理委員會主管"},{"start":9625.762,"end":9647.398,"text":"告誡戶也就是提供人頭賬戶要有地方警察機關來採取所謂的告誡處分而且限制他在五年內不得使用金融服務的部分的功能告誡戶他就變成他的他不是不能用的賬戶很難用非常難用那加上上一次為什麼會在委員會下決議就是因為"},{"start":9648.579,"end":9661.004,"text":"警示帳戶警察機關可以自行解除但是告戒戶到現在為止還是需要所謂的訴願程序那這個案子送到了地檢署"},{"start":9662.028,"end":9683.442,"text":"有人頭賬戶的時候他們就列出了告誡處分我們當然支持先做告誡的方式先讓他先讓他被警示但是解除的部分幾乎叫做困難重重簡單來說就像剛剛顏寬寬委員說的很多人他在網路上面賣東西然後東西也給了"},{"start":9685.174,"end":9713.177,"text":"買家賣家給了東西已經交出去了所以買家就找人匯了那筆錢進到他的賬戶後來才發現是這個買家去騙了別人來匯進這個賬戶也就是說這個賬戶的是網路賣家他並沒有把自己的賬號密碼交給第三人可是他就變成了告解戶那這個人他在6個月之後可能得到了不起訴處分"},{"start":9714.398,"end":9741.232,"text":"但是 主委 到現在沒有任何機制可以讓他解除告誡戶 對吧這個警示戶跟告誡戶確實不太一樣是 也就是說幾個月之後他取得了不起訴處分但是他要去取消告誡戶幾乎叫做不可能然後來上一次我們在委員會他是說因為告誡戶是一個行政處分所以當時就要30天之內提出訴願但是"},{"start":9743.493,"end":9764.15,"text":"等到不起訴處分已經是半年後的事了他沒有辦法在30天之內提起訴願所以這些告誡戶到現在為止其實非常多人在向民意代表澄清可是我上次做的互待決議就是這件事情應該要清楚的預知或告知所有可能這樣受到影響的告誡戶這些人數有多少你知道嗎"},{"start":9764.932,"end":9786.179,"text":"因為上次我有有個數據有3月應該有應該有幾十萬人是幾十萬的百姓幾十萬的沒有把賬號密碼給別人的百姓他們現在被變成告戒戶在受到這樣子的不管是懷疑也好應該是其中有部分確實是剛剛那個狀況有很多確實是所以我一直說"},{"start":9787.139,"end":9808.849,"text":"金管會對於這些告借戶我相信我們希望你們研議出一個專門的或者是有救濟的方法就是把告借戶做等級的是如果他有不起訴處分的是一種其他的狀況是一種因為他的確沒有把自己的賬號密碼給人家他也沒有把這個錢提出去給所謂的詐騙集團"},{"start":9810.12,"end":9830.458,"text":"他就是賣了一個東西他真的也付出了那個東西然後他的賬號被拿去做成詐騙的賬號雖然進到他的賬戶內他沒有領出來他也沒有交給別人但是他還是變成詐騙集團的共犯而且最後他可能變成不起訴處分書了但是這個部分沒有辦法取消他告戒戶的問題這個問題很多而且幾十萬人"},{"start":9836.483,"end":9863.434,"text":"主委不能再拖啦我們越聽越多了多到已經不知道該怎麼處理了這個我再請我們同仁來來來進一步瞭解跟所以該你請趕快找法務部找警政署是不是在警示賬戶的方式在告誡戶上面有沒有另外一個所謂的救濟的機制否則這些人到今天為止他真的就是一個受害的第三人"},{"start":9864.094,"end":9865.015,"text":"委員提供幾個個案"},{"start":9881.906,"end":9903.501,"text":"法院都幫你們做了調查了這些可以優先處理吧對對因為這個這個還牽涉到法務部因為執法是他們訂的我們會跟他聯繫來怎麼上一次委員會下附帶決議就是這個道理因為的確這些人沒有救急管道至少他才被告誡以後拿到不起訴處分書他還是沒有辦法取消他的告誡的身份這個有點離譜啊"},{"start":9905.891,"end":9933.826,"text":"我們會來跟法務部來協調看看怎麼處理另外一個問題就是上一次有一個國際的通緝犯西班牙籍的男子奧納德在我國2019年在伊拉利詐欺了10億然後後來發現他在台灣過得很舒服非常的開心最嚴重的是他竟然在台灣登記了公司還開了銀行的帳戶後來我們請銀行局去查來局長你們查的結果"},{"start":9936.161,"end":9955.448,"text":"報告委員我們總共查到有8家的銀行然後他分別有擔任負責人或有他自己本人有開戶所以因為我們查到了之後我們已經請銀行說這個人竟然已經有因為剛開始銀行是2019年他就上了新聞國際的資料庫都有"},{"start":9957.929,"end":9978.819,"text":"後來銀行也有在資料庫裡面查到有負面的新聞所以有些銀行已經做控管了在開戶的時候都沒有查是嗎這可能牽涉到也許是有資訊我現在要問的是還有沒有下一個現在所有在台灣負責人是外國人的人這些KYC都做好了嗎"},{"start":9980.549,"end":10001.268,"text":"後來我們因為這次的事件我們也有發函給各個銀行就說他們從KYC上（他們有回報現在他們清查的結果還有做相關的機制或處理了嗎?就是資料庫都設備過一次了嗎?對所以我們也會後續我們也會再請銀行說以後也要做回溯性的清查啦是以後"},{"start":10003.43,"end":10023.442,"text":"局長我要的是進度你回溯性的清查已經做了多少做了多少家做了多少人而不是只是發函你發了函他們有回函嗎有相關的統計嗎或你發現了問題要不要做一些一次的清查可以給他們時間但是不能只是發函"},{"start":10024.893,"end":10029.194,"text":"有關金融監督管理委員會主管中華民國11年度中央政府總預算案有關金融監督管理委員會主管中華民國11年度中央政府總預算案"},{"start":10043.658,"end":10069.042,"text":"KYC不就是應該做這件事嗎我們現在的百姓不是常常收到銀行你要來更新你的資料你不更新我就要怎樣怎樣了那對這些外國尤其是可能有這種國際通緝犯的這些人他們竟然在台灣可以過得這麼爽而且發現以後才發現他開了八個銀行帳戶這麼多年我們的洗錢防治可能都淪於空談"},{"start":10070.748,"end":10072.55,"text":"有關金融監督管理委員會主管中央存款保險股份有關金融監督管理委員會主管中央存款保險股份"},{"start":10088.288,"end":10111.97,"text":"金融機構接下去為了國際競爭大概都會開始陸陸續續的合併現在的星光要被併但是後來賀蘭才發現這兩個銀行都沒有工會啊他們現在成立了現在在成立這是很奇怪的事啦也就是說我們看了全金聯他們的企業工會目前只有37家所以不是每個銀行都有工會是嗎"},{"start":10113.188,"end":10134.204,"text":"現在應該不是所有金融機構都有是,但是金融機構被併的時候就突然間趕快匆匆忙忙的成立工會之前包括富邦金、併購日盛金、花旗讓壽新展這些都是發生過很多的風風雨雨那之前更早的就是所謂的元大併大眾"},{"start":10135.985,"end":10165.212,"text":"這些併購已經成為常態了我們現在看到勞動部可能希望能夠訂出金融機構合併的勞工勞動權益保障的行政指引也就是說這麼多年有這麼多的機構已經併過而且問題都差不多甚至對於安置尤其是如果沒有工會的銀行對他們的勞工保障更沒有保障所以要靠這些所謂的權金聯會其他的工會來幫他的忙所以主委我只想問金融合併是金管會支持的"},{"start":10165.572,"end":10171.838,"text":"有關金融監督管理委員會主管中央存款保險股份有關金融監督管理委員會主管中央存款保險股份"},{"start":10182.569,"end":10196.843,"text":"如果可以的話我們應該鼓勵各金融機構成立工會而不是到要合併的時候才赫然發現他沒工會趕快來成立然後工會沒有運作過其實很難達到一定的成果啊你同意嗎"},{"start":10197.703,"end":10201.565,"text":"有關金融監督管理委員會主管中央存款保險股份有"},{"start":10218.609,"end":10223.815,"text":"有關金融監督管理委員會主管中央存款保險股份有關金融監督管理委員會主管中央存款保險股份有關金融監督管理委員會主管中央存款保險股份"},{"start":10233.939,"end":10262.836,"text":"我想這應該是勞動部我們站在金融監督的角度你們不反對嘛所以也希望銀行不要去阻止他們銀行的內部員工我們不會阻止這是他們的權益而且要保障他們成立工會的權益那我們是希望有一個公平的這樣一個交易所以我們希望你們現在就協助相關的銀行員工他們將來除了審查之外我希望工會的成立還有這個所謂合併的時候權益保障的行政執意金管會要大力介入好嗎"},{"start":10263.956,"end":10291.975,"text":"我們大概會按照我們的怎麼樣盡量保障員工的權益因為他們才是保障所有利害關係人都是我們的職責好所以我希望這個勞動部的行政指引希望金管會能夠熱烈的參與而且聽取所謂工會的意見他們會邀我們參與啦好謝謝主委好謝謝黃珊珊委員接著我們請謝榮介委員謝榮介謝榮介謝榮介不在接著我們請郭國文委員"},{"start":10301.594,"end":10302.443,"text":"主席有請彭主委請彭主委"},{"start":10305.593,"end":10330.949,"text":"委員好主委好主委這兩天其實有一些意外的插曲就有關於這個這個融資專法要不要制定的問題聽說有人去進行遊說還說要等到財委會召開兩次公聽會之後那我就請問一下主委這個問題當然行政委員有關心過到底是在法案提出之前還是法案提出之後才有召開公聽會"},{"start":10332.405,"end":10353.699,"text":"是因為我們現在這個要根據那個金保法第三條我們要公告所以我們在公告之前那上次開協調會是希望我們多多跟其他業者能夠溝通完畢把他們一律溝通清楚今天假設如果法案已經形成的話沒話說啦講白點可是法案還沒形成之前就要召開這個"},{"start":10355.02,"end":10379.811,"text":"公聽會的話老實講有一種主粹修法的先行我再跟你講一個數據好了那個事情在4月25號的時候中租抵合還明明對外公開講說他們支持融資專法就私底下做這種事情根本是個主粹修法這基本上是兩面守法表裡不一樣沒有真正想要被納管所以這種心態可以你要想清楚"},{"start":10380.811,"end":10407.399,"text":"那如果業者這種心態的話就是既有不受政府管轄的情況底下他對他們對自由啊獲利的空間最大要不是我們揭發幾次的話他們會自我收斂嗎會有自律公約嗎所以說呢自律之外還真的需要他你知道真的很誇張到現在為止中蘇抵合還有在推廣啊你只要來我這邊啊要接受我服務貸款的你還要買重安家保健食品"},{"start":10408.939,"end":10414.24,"text":"中華民國114年度中央政府總預算案附屬單位預算營業部分．有關金融監督管理委員會主管中央存款保險股份有"},{"start":10438.775,"end":10457.707,"text":"所以借個九一六千塊還要跟他買保健食品然後罵完之後有一些自律公約那自律公約標的在哪裡只有中古車跟先買後付有自律啊然後最近他們對外宣布說呢克訴案件的降了三成多"},{"start":10459.343,"end":10486.848,"text":"主要是在中古車啊又不是其他我再跟你講還有哪些爭議行為第一個暴力討債結合黑道第二個放高利第三個呢最近有一個台版的地面師勾結這些融資公司來騙3億元就是詐騙所以手段還有第四個去成立所謂代辦公司標的上最受爭議的最近最受爭議的是什麼"},{"start":10487.668,"end":10503.781,"text":"就是土建榮嘛不是嗎那我問一下主委嘛關於這個自律公約類似這些不當手段的禁止或者呢這個除了先買後付中古車之外有沒有可能把土建榮部分也納入約束之中主委請"},{"start":10504.443,"end":10519.95,"text":"有關土建融的部分我想委員應該也知道我們在12月13號我們就發布了一個新的函令特別針對他們這個土建融部分假設這個資金是來自於金融機構的話我們希望他能夠救援控管"},{"start":10520.25,"end":10544.379,"text":"那畢竟現在融資公司他現在是因為我們做代放業務即便我們未來已經保法那樣金融消費者保護法金融消費者主要是針對我說你是他律啦對他律啦我是說你是不是要自律的部分呢這再要求一下那個工會部分應該他是等於說應該是他會有一些自律規範我們會透過管道因為我們來請他針對一些爭議事項好幾樣喔好幾樣喔"},{"start":10546.28,"end":10571.472,"text":"本席都幫你整理好了你應該找他再來談一下找工會再來談一下這些自律者的項目增加方法手段不當的手段也應該予以排除這才是自律嘛否則的話形成這麼多爭議這是第一個第二個對現在自律公會成員自律而無自律者他們是什麼約束處置你也要了解啊不是嗎對我們對相關的自律"},{"start":10572.812,"end":10589.582,"text":"處理當然自律他不是法律啦但有些他可以連接到法律還是有些裁罰所以需要你去他律嘛所以你應該再找公會來有沒有可能當然我們基於假設跟我們的業務有關我們還是會跟他來溝通這些都有關爭議還不斷"},{"start":10592.664,"end":10602.29,"text":"爭議不斷不要每次報一件我們再來處理一件嘛我就把案整理好了所以我請主委再找工會談一談再把自律的部分好好處理一下好不好"},{"start":10605.541,"end":10610.404,"text":"有關金融監督管理委員會主管中央政府總預算案附屬單位預算案附屬單位預算案附屬單位預算案"},{"start":10627.416,"end":10654.165,"text":"剛剛就是說我們現在約束的對象主要我知道你現在是抓到放小可是你要去想一想你剛剛講說你答詢其他委員說大概有1000家或2000家經濟部工商系統超過了說好像有11萬家好 不管幾家工會只有40家三大就只有30家你現在只有約束這三大工會的話不要形成所謂的公平或不公平你搞不好會養出另外一個新的三大"},{"start":10656.476,"end":10680.631,"text":"你知道我意思嗎?就下面?對啊!你如果養出一個新的三大,我們現在這三個三大把它壓制,三大變三中,三中又變三小,那結果呢?養出一個新的三大,會不會造成這種狀況?其實我們的想法就是說,其實我們納管是因為對社會影響層面的考慮,因為我們上市的公司,租賃公司還有四家,除了大家常講的這三家,還有一家"},{"start":10681.812,"end":10693.617,"text":"那另外的話就是我們其實上也不是說其他不納管我們接下來第二階段我們就會希望說金融機構轉投資這些大概14家也能夠納管那接下來才是3加1"},{"start":10695.305,"end":10698.508,"text":"總金額金融機構受信的總共2484億．販款部分1686億．不動產部分高達559億．這個部分換算起來超過31%等於是超過72條之2的部分你知道嗎．最近還有怎樣你知道嗎．"},{"start":10718.072,"end":10730.025,"text":"最近還頻頻去打電話給客戶說以前的客戶都說你要不要車貸現在說你要不要房貸你要不要正貸還一直在擴大這個內容在挑戰政府威信在跟政府作對"},{"start":10732.366,"end":10758.494,"text":"你越約束他,他越這樣處理那到底融資公司會不會形成一個破口那我們就來算總額嘛我們要算總額總額上以目前上一次央軍局長答覆是26.7%非常接近這個警戒值是28到28.5%那你如果換算下去的話我們目前內政部的資料到10月的話剩餘的預售屋還有11萬筆"},{"start":10763.539,"end":10770.23,"text":"7,815這種情況底下假設一筆貸款額度是一千萬的話還需要資金是一千一兆1.178兆"},{"start":10773.444,"end":10797.68,"text":"我換算了一下如果1.178兆的話放在這個總量管制當中的金額的算法的話還要是會讓整個這個警罪水位破表會超過28.5會超過28.5我再跟你講一個數字還會另外一個破表是什麼上次有講說呢把一些排除條款的這個金額拉進去的話一樣局長告訴我29%"},{"start":10800.103,"end":10803.797,"text":"如果說把這個未來的預售屋的這個金額再放下去的話會破30欸"},{"start":10807.208,"end":10833.65,"text":"會破30欸所以以後這些預售在交屋的時候要貸款可能就會貸不到款不是嗎?會不會變這樣子?跟委員報告其實我們也有跟內政部有密切的去收集這些資料我們也對明年有做預估那我們有有比較不一樣的數據啦我想我們可以再跟委員報告這內容可是主委我跟你說現在房價很清楚了量縮了對不對"},{"start":10835.171,"end":10861.498,"text":"對亮說而且現在貸款也在下降也在下降很明顯幾個數字都是這樣子我們每個禮拜監控全國的貸款金那我就問你亮說現在還是有一些AV約的行為還有一些低首付的狀況一些手法還有附加電手法越來越多還辦座談會在造勢你要知道這種情況底下買氣還是沒有增加的情況就就要一族鬼了"},{"start":10862.378,"end":10888.621,"text":"那你看起來有沒有可能什麼時候跌沒有我想齁我們不對那個房價因為我們是管控銀行的風險不要說跌嘛你是不是要先讓買屋者稍微止步一下嘛沒有我想現在未來很多變數比如說貸款就是一個變數但是我們有每週在監控我們也對明年後年做預估我想這部分我們大概都會嚴密的跟財政部跟央行一起來"},{"start":10889.862,"end":10909.027,"text":"監控這件事情沒有主委我跟你講這有雙重破口的可能性然後建商還是不斷用其他預收還是用其他的手法一直在增加也就是說這個11萬戶還有可能會再增加然後增加的情況底下你還有一個問題你還會形成另一個破口就什麼就周轉金"},{"start":10910.387,"end":10925.575,"text":"你有沒有把周轉金的金額清楚的掌握多少金額有,那個剛才帶放裡面其實剛剛比如說對融資公司其實大部分都是周轉金沒有,沒有那是融資公司我是說一般的建商來說你還是有周轉金資金有,有那個那個我們都有針對這兩個分類"},{"start":10927.496,"end":10946.802,"text":"這個機制當中你如果沒有一清清楚的掌握的話它的融資那個周轉金會轉向另外一種形式的一種貸款又形成一種破口再加上最近的房地產增加當初它貸到的周轉金可能是5億我現在房子又增加我又再跟你要求一次再增貸"},{"start":10948.503,"end":10969.576,"text":"我拿以前舊的這個標的以前10年前我現在房地產增加我現在如果說你現在我現在金額不夠我又增貸那這種情況底下那不是沒完沒了了嗎主委我們在這一波裡面我們有跟銀行做一些結構性的調整我想委員都知道調整是什麼"},{"start":10970.796,"end":10993.012,"text":"結構與調整希望把它轉向在比如說那個土建農部分還有包括相關對建築這邊的貸款我們能夠轉向我們一般民生的貸款我想這個成效已經也發生了因為資產太多了嘛 建商手頭資產太多了嘛它以前是低價嘛 現在是高價嘛我只是這次資產重新評估我又給你貸款一次那不就真貸了嗎"},{"start":10994.233,"end":11020.457,"text":"對不對那當然現在就是說那增待的同時又給你多要周轉金那不就是又變成一個新的缺口了嗎主委現在據我們了解銀行是它是個總量在控制就是說不是只有土建融其他周轉金它是總量在控制是啦我就是做一個提醒啦是是謝謝不要變成說我們看到一個缺口之後要堵這個又形成一個缺口那這個缺口又沒有堵起來又變成另一個新的缺口本期在慎重提醒你啦有機會要再跟公會談一談啦謝謝謝謝委員謝謝"},{"start":11024.099,"end":11041.278,"text":"好 謝謝郭國鴻委員謝謝接著我們請林思明委員林思明林思明林思明不在麥玉珍委員麥玉珍麥玉珍麥玉珍不在鍾嘉斌委員鍾嘉斌鍾嘉斌不在好 我們休息10分鐘讓大家休息一下"},{"start":11756.741,"end":11758.182,"text":"主席主席麻煩請我們金管會主委"},{"start":11778.397,"end":11805.064,"text":"現在真的大家對於金管會期待非常高那尤其是在打擊金融犯罪金融詐騙這一塊那現在我本席上午也看到是說您有針對這個內湖1200萬元的這個詐騙輕生案的部分您有說做相關的一個瞭解那我是更想要請教一下到底這個案件裡面在銀行端的部分或是說有這些相關還有什麼可以在更精進的地方"},{"start":11805.694,"end":11825.675,"text":"我想因為任何一個案子我們都非常的關切跟注意因為我們其實我們在建構整個金融主柵網的時候任何一個案例都給我們很寶貴的經驗去檢視我們這些作為是怎麼樣比如說我跟委員簡單報因為詳細的內容我不方便講太多比如說"},{"start":11826.736,"end":11851.981,"text":"裡面有一種做法可能他是利用比如說是網銀小額轉帳從個人這樣轉帳我們過去對那個網銀的小額轉帳是比較沒有戒心比如說五萬十萬比如我從我的戶頭轉給這些帳戶有沒有因為我們過去網銀就是非約轉帳戶就幾萬幾萬可以轉到一些戶頭去這個個人在操作的部分我們發覺說這也是變成他們在使用的一個方法"},{"start":11852.381,"end":11853.622,"text":"有關金融監督管理委員會主管中央存款保險股份"},{"start":11863.85,"end":11883.323,"text":"主段金流嘛,不要有金流留下記錄,是不是?面交,就是他直接錢不用匯的,直接交給車手或交給這個因為他知道金融機構現在越來越麻煩,他會問一大堆所以像這些東西,我們也都在不斷的在精進我們的想法還有靈慧關懷的部分,因為他們現在很多教戰守則做得非常的精細了"},{"start":11884.204,"end":11908.582,"text":"所以這部分我們要想辦法從比如說這個案例能夠想到一些問題能夠告訴我們其他的第一線銀行員增加一些警戒我想這些都是我們從很多的地方來看到因為它整個詐騙是一個非常非常複雜的一個過程但是我們就希望從中間得到一些教訓對 但是很明顯的其實銀行的很多行員現在也是叫苦連天"},{"start":11909.623,"end":11929.889,"text":"地線的銀行行員他們也覺得是說他們有苦難言我們真的給他很大的鼓勵已經給予很多的一個溝通或是關懷甚至已經提醒了但是如果說沒有辦法那到最後他有些時候銀行他可能會怕得罪客戶他這時候通常會請我們的警察過來警察過來通常很多人就醒過來了"},{"start":11931.437,"end":11960.192,"text":"所以本席從過去到現在其實特別提到是說最重點還是在於是帳戶有一些警示有一些異樣的帳戶或是說特別獨特或是說特別異常的帳戶這些應該要有一個示警的一個作用那如果說錢都還是在我們台灣境內的銀行裡面的話相對好追蹤但只要錢一流出到國外或是說一流到這個虛擬貨幣的話其實就相對難追蹤在這一點的部分有沒有什麼更精進的作為"},{"start":11961.573,"end":11981.274,"text":"這個其實可以未來做一個思考啦因為這個是最難的部分因為金流速度非常的快而且你也不知道他的對象因為除非你已經被警示你當然知道他是在哪裡但是我覺得這個真的是要我們大家來想想辦法因為我們也看到很多的這個詐騙會得逞他就錢就留在海外我們就斷線了"},{"start":11982.535,"end":11987.679,"text":"有關金融監督管理委員會主管中央財政委員會主管中央財政委員會主管中央財政委員會主管中央財政委員會"},{"start":12012.755,"end":12036.46,"text":"防詐的一個準備那我請教就是說我們在譬如說匯款的狀況我現在沒有約定賬戶部分我匯款可能匯款50萬100萬都會被警示甚至說都要再提出相關的證明那一樣嘛就是說如果說今天匯款到國外的賬戶或說到虛擬的賬戶的時候有沒有這樣的一個金額的一個限制甚至更加嚴謹來阻擋詐騙集團的一個取取款的一個"},{"start":12039.989,"end":12062.888,"text":"榮譽度各位委員報告就是我們現在不是11月30日要通過那個打詐事法裡面有關這個打詐專法裡面第8條到第11條的規定裡面其中有一個裡面有個條文就說他要把那所有的疑似樣態對不對我們就把它公佈就就把它揭示出來像剛剛講的說但是這個樣態我們現在揭露很多這沒有錯這從過去的經驗但這個是"},{"start":12065.33,"end":12090.896,"text":"我們要持續的滾動才能知道他新的方法這部分我們是我們不管是銀行局或銀行公會都持續的在做這個深化因為累積很多個案我們現在還有很多銀行是採用所謂AI他們就利用那個數據從已經詐騙的數據的資料裡面去做一個模型去預測這個帳戶未來產生詐騙的可能性有多高做那個事情的攔阻這是未來我們需要要朝這方向來走科技打仗"},{"start":12092.477,"end":12110.397,"text":"主委但是本席的問題還是在於是你要設定相關的門檻不要說到最後讓大家覺得是說我們一般的用戶使用都非常困難我印象中如果說你沒有去設定的話我光自己要提款提個20萬可能一天就有上線了是"},{"start":12110.717,"end":12132.938,"text":"那結果沒有想到如果說詐騙權他要轉到國外或是說轉到虛擬帳戶的時候反而他的相對來講比一般我要使用我自己帳戶都還要容易那這樣就不對這個我們現在已經有要求每個銀行對這個疑似帳戶都要做控管這沒有問題只是說我們控管的方法有沒有真的達到全面的效果真的要好好的再來"},{"start":12134.579,"end":12155.253,"text":"所以這在給本席相關的資料你們現在到底做什麼樣一個程度那以及你們的一個預防措施好不好那最後我也要提一下是說現在看到這樣子一個詐騙的部分因為之前我也在數位發展部裡面也有要求那你們也有講到是說在這一次其實也看得出來說像這一次這個內湖的一個詐騙案件他其實還是從臉書廣告"},{"start":12157.614,"end":12183.509,"text":"投放、投資群組過來那其次也是一個老問題因為數位發展部他們自己提出來的詐騙APP裡面所謂的廣告樣態90%都是從臉書、Meta這樣的一個母企業或是他衍生的社群媒體平台來的那一樣我們現在針對這個源頭管理的部分也不要所有事情全都是讓銀行第一線我覺得銀行有些時候他們的主要業務也不是"},{"start":12184.728,"end":12203.424,"text":"當然協助政府來打擊詐騙但是銀行本身來講他們也覺得是說他們是金融服務啊那源頭管理如果說一直沒有辦法停止的話那怎麼樣有辦法去嚇阻或是降低這個詐騙臉書的部分現在數位發展部是說他現在投放廣告要實名制這是一個讓"},{"start":12204.565,"end":12212.273,"text":"追得到源頭但另外一個部分當這樣子一個投資詐騙廣告一直存出不窮的時候金管會能夠有什麼樣的作為?我們其實我們有一個團隊專門來收報這些我們已經收報6萬多個這個內容我們每天"},{"start":12221.303,"end":12245.437,"text":"每天都有這個專業團在收報我們希望縮短他被接觸的時間然後通知Meta他們或是相關的趕快下架因為他收到我們通知24小時就要下架我們盡量去縮短這個時間我們現在正在做這件事情什麼時候建制的這個團隊是外包還是我們自己今晚會內部我們是今晚會外包委託我們的周邊單位來做這件事情周邊單位"},{"start":12246.892,"end":12275.073,"text":"交易所、匯買還有我們的工會這幾個期貨集交所之類的6個單位是不是可以提供相關資料給本席參考?從什麼時候開始的這些單位?這個一直持續在做但是我們要持續優化那個作為因為你要去爬這些廣告他們會不斷變形比如說前面是用名人接下來送名人書其實很多種方法在改變所以這個都要持續改變這個現在進行是"},{"start":12276.974,"end":12279.756,"text":"主席 各位委員 主席可不可以請彭主委主委請"},{"start":12298.823,"end":12318.801,"text":"黃主任你好你好你一直在推動臺灣成為亞太的資產管理中心現在進度不曉得怎麼樣現在其實我們就我們第一階段推出的五大策略16項措施都依序在進行中比如說我們現在具體的一些做法跟委員簡單報告一下"},{"start":12320.342,"end":12321.442,"text":"中央政府總預算案有關金融監督管理委員會有"},{"start":12337.228,"end":12362.743,"text":"那我想再來就是我們在那個壯大股市計畫裡面還有就是雙掛牌的部分日方已經具體的回應我們大概今年第三季就可以看到我們的ETF雙掛牌跟日本雙掛牌還有就是我們的兆元投資計畫就是擴大國內的資金投入公建增加相關的這些金融商品的部分也都在依序推動那這個比特幣的ETF什麼時候會推出"},{"start":12363.451,"end":12383.615,"text":"我們現在是開放專業投資人用付委託的方式去購買這個比特幣ETF我們上次有答應我們這個立法院是我們觀察期6個月以後再來看他執行成效接下來看看要怎麼樣去進行下一步所以金管會對於虛擬貨幣現在的態度比較開放比較友善的我們是謹慎友善"},{"start":12390.219,"end":12413.171,"text":"警慎、友善那會支持嗎?就警慎友善警慎友善我記得有多次在這邊談過當初如果有聽我的建議央行那時候6千塊美金現在已經超過10萬塊然後所有聽央行講話的全部都翻車全部都翻船"},{"start":12414.229,"end":12440.083,"text":"所以其實另外一個表徵就是扼殺了很多年輕人他賺錢的機會因為在整個資源上來講這個傳統或者是一些電子業這些產業已經被這些老人全部都佔據了年輕人是沒有出頭的機會所以這幾年出現了航海王 對不對"},{"start":12440.95,"end":12467.799,"text":"因為老人所以的投信這些老傢伙沒有人會去看好這個東西嘛這年輕人他願意去嘗試去拼所以當初如果說我們主管機關的態度是謹慎又開放又小心又建議他只要投資一萬就可以變成多少主委你知道嗎"},{"start":12468.993,"end":12475.937,"text":"有關金融監督管理委員會主管中央政府總預算案有關金融監督管理委員會主管中央政府總預算案"},{"start":12489.147,"end":12493.672,"text":"有關金融監督管理委員會主管中央存款保險股份有關金融監督管理委員會主管中央存款保險股份"},{"start":12511.601,"end":12533.153,"text":"比較久了大概6年前如果台灣是採取開放的態度我相信台灣有很多年輕人在這一波虛擬貨幣的發展他們是跟上潮流的那你看川普上去了以後他改變他的思維美國會不會把虛擬貨幣、虛擬資產成為他外匯準備的一個儲備因為我看那個鮑爾是說他們現在沒有這個計畫"},{"start":12540.222,"end":12559.444,"text":"有在討論了對 他們說那個他們的FED現在沒有是 我希望說主委是用比較開闊的心態因為香港現在比較勢微了那新加坡就是一直搶搶滾替代了很多的"},{"start":12559.804,"end":12562.286,"text":"有關金融監督管理委員會主管中央存款保險股份有"},{"start":12573.696,"end":12589.806,"text":"未來整個亞洲金融的交易中心會怎麼樣的移轉?台灣應該要掌握什麼契機?我想資金有很多面向有不同的資金他會駐足在不同的地方"},{"start":12592.627,"end":12608.237,"text":"臺灣是具有投資機會還有很多新創潛力有深度的市場所以我們是希望吸引這樣的資金在臺灣來進行管理這部分我覺得臺灣的努力"},{"start":12613.094,"end":12625.643,"text":"以10年5年以來的發展,台灣確實深度跟廣度上已經有很大的改變所以我覺得未來台灣是有可能在整個亞洲的資產管理的部分佔有一席之地"},{"start":12626.417,"end":12644.532,"text":"我們希望說一棒接一棒各個是好棒在場有我們黃天牧前主委也在這個地方過去黃主委他奠定了一個基礎大概金融圈的感覺就是穩擦穩打很保守那也不是說不好啦"},{"start":12645.453,"end":12665.933,"text":"有好比如說金融銀行的這個獲利以及證券相關這個今年大概都已經破紀錄了接近要上兆表示這個金融圈大家都是過得快樂的日子那過去穩定的基礎現在銀行的預放大概多少0.160.16保險的部分"},{"start":12671.545,"end":12683.081,"text":"保險的部分這個低於資本市儲率的現在還有幾家現在目前一家就一家有沒有機會救起來他們在努力中"},{"start":12684.684,"end":12711.446,"text":"銀行證券,證券也不錯啊在過去的努力也破了兩萬點所以這個基礎都已經打好了現在接棒就要需要更多的開放更多的點子那彭主委你是點子王啊沒有所以我想說你穩健是穩健啦希望可以積極那你現在看韓國啊韓國最近的資金啊大幅的外商大竄頭是為什麼"},{"start":12713.106,"end":12731.814,"text":"我也看到就是我們亞洲股市裡面大部分都是上漲比如說像台灣跟日本是大概是兩個那接下來後來香港那個韓國是下跌的我想這個他有很比較複雜的這樣一個結構因為他戒嚴啊那可能有一段長的趨勢台灣有沒有可能會搞戒嚴"},{"start":12734.431,"end":12760.116,"text":"抱歉我沒辦法回答沒辦法回答好那萬一萬一我們當然是不希望看到戒嚴可是如果有人心存歹念想要戒嚴的話一搞戒嚴的話對於金融機構會有什麼影響我們所有的企業所有民眾的資金會被凍結這個看我想如果說以韓國的經驗不管它時間多短但是產生這個資本市場波動已經大家都看到了"},{"start":12761.209,"end":12786.594,"text":"如果這個戒嚴發生在臺灣的話對於這些金融業產生的影響是什麼這個我不做預期不過我想我們從韓國的經驗看到一定會有一些影響好啦我們希望說不要看到戒嚴啦因為你的資金可能就限制外匯管制整個就是大概金融就封掉了另外剛剛講到證券這個當沖降稅來得及來不及"},{"start":12790.277,"end":12817.232,"text":"我們當然我們現在所有都準備如果說真的能夠當中降稅通過的話那就現況當然問題沒有完全沒有我也期待說我們還有幾次大會的時間如果能夠通過的話對台灣的經濟的穩定還是非常非常有幫助因為我們過去經驗曾經有一次有討論到這個問題就市場產生一些不安的波動那實際上我想這部分我們有過去的經驗我們還是期待能夠"},{"start":12817.992,"end":12843.752,"text":"我們大家能夠在這個會期比如在今年12月、13月、14月能夠通過這個部分那順利當然前面有委員質詢我們該做的準備我們一個也不會少萬一來不及怎麼辦那就按照回到我們法規的法律的狀態就沒有減半科增我們就開始要花入一些一些的人力時間成本去改變這些我看那個張局長很緊張"},{"start":12845.356,"end":12855.554,"text":"因為你這一把熱火很熱的一個股市熱絡的情況突然啪降溫那萬一降溫的話"},{"start":12857.099,"end":12886.317,"text":"想要再恢復會不會很困難所以說希望委員能夠多多支持讓他趕快通過現在日均量多少現在大概4200多億4000多那當沖的部分佔了多少4成4成喔對你4000多4624如果怕掉下來的話剩2000多億那影響是很大的那確實當沖降稅在很多我們在審查這時候呢他對於我們的成交量的增加是非常明顯的"},{"start":12888.045,"end":12899.734,"text":"我們希望說迎向未來台灣成為亞洲的資產管理中心勢必要參考一下臨近國家的情況"},{"start":12900.8,"end":12923.869,"text":"把韓國的一些資源他們的一些流向可以導入台灣香港的金融地位看我們台灣能不能取代謝謝謝謝委員的期許另外最後一句就是現在討論的這個租賃公司那租賃公司現在的糾紛案件到底有幾件"},{"start":12925.147,"end":12951.564,"text":"因為現在我們沒有在受理這一塊因為那個現在的消費糾紛還是回到原來的我們的消保體制假設未來納入金保法以後呢我們在平益中心就會有明確的統計那你不曉得幾件你為什麼要急著要去管理這些公司這倒不是因為我們看到社會上很多的紛爭而且我們過去一直相信相同的行為要受到相同的類似的管理我們已經看到就是說"},{"start":12952.304,"end":12971.73,"text":"他們在做很多這些融資待放的時候我覺得這是社會關注的一題其實這本來不是金管會的所俠業務我們覺得說社會對這個期待我們認為說假設能夠以現在金融消保法這樣來管理說不定是一個解決現在對行為你如果要管的話請問租賃公司有幾千"},{"start":12972.521,"end":13000.253,"text":"現在我剛剛講它的界限是模糊的但是我們租賃公會裡面大概40家40家租賃公司一共有七、八千家就看你看剛剛的數字你如果要管的話那你應該全部都要那樣管啊你怎麼就管幾家現在說管三家那你知道上市的一共有幾家租賃公司上市四家四家那你管三家另外一家不管我們是分階段我剛剛講過我們是分階段因為我們這是一個試行的過程"},{"start":13001.013,"end":13002.694,"text":"有關金融監督管理委員會主管中央存款保險股份有"},{"start":13017.64,"end":13037.511,"text":"十四家所以每一家都要列管不是 它其實上就是只針對它的有金融消費者的爭議那一塊納管不是 我們一直都說金融有消費嘛我就問你說那金融消費有爭議的有幾件我剛才跟委員報告過因為它現在不是我們納管我們沒有去統計這個我問工會 工會說剩不到三、四件"},{"start":13038.791,"end":13040.573,"text":"有關金融監督管理委員會主管中央存款保險股份有"},{"start":13068.712,"end":13084.973,"text":"你要管,你要管得有意義,而且是一致性的當然,剛剛講,我剛剛也跟委員前面也報告過只要這個產業是一個非常非常明確的界限,那當然是但是剛剛講,我們從早上到現在,有人說一千家,有人說六千家,有人講"},{"start":13085.794,"end":13098.653,"text":"其實各位就知道那個是現在沒有一個成型的一個產業我們只能是從他那個業務登記上面去推你可能是主委那你這個管完以後下一個你要再管的就是那個地下錢莊"},{"start":13099.819,"end":13121.957,"text":"沒有 這個不是 我們金融監管有它一定的界限地下錢抓在下面也好 當鋪因為它是一個生態的關係啦如果一般企業它借得到 它直接就跟銀行借啊就是因為銀行借不到 它才會跑去刺激市場對 所以我們才會差異化去處理這個會有它的道理存在"},{"start":13123.058,"end":13138.278,"text":"委員非常內行就是說我們對他的管理是比較低度只做行為管理就是消費行為管理就做一件事情我還是提醒你就是說不要用大砲打小鳥也不會我們剛剛跟委員報這差異化已經我們不是用銀行的角度去管理他"},{"start":13139.226,"end":13166.364,"text":"不是我們是用差異銀行是有機構管理跟消費行為管理他只針對那個部分的個人的消費金融要滿足那幾個要件比如契約公平那個廣告核實然後像比如說KYC那個就是很很基本的這樣而已啊所以我覺得時間關係是是是資料在後補好了是沒問題謝謝謝謝委員謝謝盧文才委員謝謝接著我們請葉元芝委員"},{"start":13177.084,"end":13205.667,"text":"主委好,你們今晚會的辦公地點應該在我們板橋吧是板橋,高鐵站樓上我知道,但是包括剛剛大家提關心的亞洲資產管理中心包括探權交易所全部都移到高雄去設立那你在板橋你應該知道我們板橋其實最近發展也不錯不管,也都有相關的條件為什麼你什麼都想到高雄啊,就不會想到你的所在地板橋"},{"start":13206.768,"end":13227.796,"text":"沒問題啊昨天那個我想那個前天院長在參加那個活動他在講說他希望我們這個所謂的金融資產管理專業能夠遍地開花嘛各個縣市如果說願意提出他們的特色那我們金管會都很樂意的去協助跟配合所以你現在設到高雄都是高雄提出來的需求是不是"},{"start":13228.436,"end":13250.133,"text":"那為什麼高雄永遠都知道你們要幹嘛沒有沒有他們是兩三年前我們他們就已經在規劃這件事情然後你們就好我是建議啦因為相信我不需要去跟您強調板橋的優勢啦因為你所在地就在那邊啦希望說你在設立相關的中心的時候未來可能有別的東西的時候可以考慮一下你們辦公的所在地"},{"start":13252.595,"end":13272.718,"text":"那第二個我想問一個問題是之前啊郭智輝經濟部長郭智輝說雲豹能源炒股票故意放假消息出去然後股價就漲得非常多然後後來證交所有講說如果金茶有這個問題的話就有刑責要移送減掉那現在已經一個月了我不知道茶怎麼樣"},{"start":13274.113,"end":13290.113,"text":"現在的話可不可以請鎮議員我們確實交易所按照程序在辦理我請我們的鎮議局局長跟您簡單回答跟委員報告這個事情其實在鎮交所已經進行查處了所以現在的狀況是怎樣"},{"start":13291.725,"end":13315.922,"text":"查處的結果認為是說他的資訊沒有控管得很好誰的資訊沒有控管得很好銀豹公司對重大訊息的控制沒有控制得很好對重大訊息也就是說他公司對外發布的訊息會讓人家聯想說你是不是有跟所以你的意思是說確實銀豹公司有跟別人講說那個回答要來這邊設廠然後需要多少電"},{"start":13317.283,"end":13340.078,"text":"不是因為是他回答並沒有跟他口頭承諾他只是他們的發言人對外講的快over所以是他們確實發言人對外講什麼可不可以講明白一點也就是說他們對外說他們跟那些公司有做聯繫事實上公司並沒有正面回覆回答是不是對對沒錯所以他們有報他們有講假消息"},{"start":13340.798,"end":13366.594,"text":"因為是說外面的媒體看到他有對外類似這種言論所以我們後來請公司對外發言要審慎審慎所以確實雲包公司有對外發言不審慎然後造成股票的波動然後所以郭志威講的是正確的是這個意思嗎是的郭志威講的是正確那如果郭志威講的是正確雲包公司確實有問題然後影響股價的話那你們的你們現在怎麼處理營收減掉是不是"},{"start":13367.455,"end":13392.986,"text":"沒有,那個就是證交所對公司作為警告甚至要發言他所以只有警告警告對發言他,對他處罰有處罰,但是因為當時你講說要移送檢調啊所以有刑責啊,涉及證交法如果查屬是屬實的話,我們就會移送的話你現在不是在查嗎?我現在就在問你查是屬實他查的結果,但是他另外的發言沒有就是查的不屬實,不是屬實,所以不用移送"},{"start":13393.886,"end":13407.783,"text":"但是呢他發言卻有不恰當所以警告他他發言精準是這個意思嗎是的就他還沒有到不實但是發言確實有讓大家誤會所以就用警告的方式是的就是高高舉起輕輕放下"},{"start":13408.632,"end":13425.67,"text":"那再來我問一下主委因為最近金管會感覺上政策上面是推廣ETF說明年又要推什麼新的ETF然後有很多新型的商品出來主動式ETF主動式ETF但因為今年"},{"start":13426.823,"end":13443.116,"text":"一開始的時候ETF非常的熱門尤其是那種月配息的那一種所以很多人去買但是有一些人到像年尾的時候發現被套牢了然後那現在ETF的規模是多大整個市場的規模是多大現在大概是國內應該是6兆左右6兆左右"},{"start":13443.877,"end":13460.93,"text":"好那之前的ETF有的已經出現被套牢狀況好像已經不是大家一開始講的那個樣子然後呢又要一直要推新的ETF出來我想問一下金管會這邊有沒有什麼對於ETF的在行銷上面對投資人的保護的部分有什麼措施嗎其實啊剛剛講我們"},{"start":13463.075,"end":13485.178,"text":"推動商品多元化這是我們一個很重要當然是穩健剛剛比如說我們對ETF如果委員有注意前陣子我們對那個廣告網紅這些東西我們都有定下規矩而且我們也裁罰了還有就像我們對這個ETF的這個誤導的部分我們在整個整個行銷管理上面是真的有在發布一些規定來管理因為"},{"start":13486.139,"end":13507.075,"text":"畢竟剛剛講說過去我們都是被動式的ETF那現在市場上呢我們希望它能夠增加一個主動式ETF當然我們在做交易宣導跟這個在銷售管控上我們一定會嚴格的把關一定會但是因為我聽不出來怎麼把關啊可不可以因為時間關係沒關係時間關係你再補一個書面報告給我好不好因為好不好然後最後一個問題就好"},{"start":13508.496,"end":13533.026,"text":"因為我知道金管會現在也很認真在打詐有一個措施就是請民間的銀行不要對那個社群平台下廣告那請問一下現在民營銀行的配合程度是怎麼樣那現在是因為他們銀行公會理事長他們自發性的我們其實上他們是自發性的去那很多的銀行大家都有配合就對了其實應該也蠻多金融機構配合但我們金融機構的加速範圍非常廣"},{"start":13534.326,"end":13560.242,"text":"各自有不同的做法這不是你們主推的啦是他們主動啦這個是因為我們不會去介入他們的廣告政策這不在我們的監理範圍是他們自覺說他們的他們的名字常會被炸彈用他就希望用這樣放置簽的方式那是他們的自發性的行為他們自發性的行為對金管會還是會拿很多其他的方法來主張那當然我們在政策上我是覺得說用這種方法當然可能一定有效果但那個效果不是"},{"start":13561.062,"end":13574.352,"text":"我們是多元方法因為詐騙極端下的廣告更多所以可能要找很多更積極的方法出來當然我們持續的在想方設法解決這問題謝謝謝謝委員謝謝謝謝葉燕姿委員楊前委員提書面諮詢然後曾振淺委員曾振淺、曾振淺、曾振淺委員不在"},{"start":13593.145,"end":13615.143,"text":"我們今天登記的發言的委員都已經詢答完畢然後本次會議做如下決議說明及詢答完畢委員質詢未及答覆或請補充資訊請今晚會以一週內以書面答覆委員另要求期限者重啟約定委員楊瓊應所提書面質詢列入紀錄刊登公報"},{"start":13618.369,"end":13620.44,"text":"並且今晚會用書面答覆"},{"start":13622.674,"end":13649.512,"text":"中華民國114年度中央政府總預算有關金管會銀行局、證期局、保險局、檢查局收支部分及附屬單位預算有關金管會主管營業部分、中央存款保險有限公司及非營業部分、特別收入基金、金融監督管理基金、信託基金、保險業務發展基金均另折旗繼續審查本次會議議程已經進行完畢堂友不在場委員不提書面"},{"start":13650.492,"end":13652.233,"text":"諮詢一併列入紀錄刊登公報並請醫事人員協助處理。"}]}},"supported_relations":[],"relations":[]}