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我們請主委請彭主委"},{"start":12.907,"end":34.242,"text":"我們繼續剛兩位委員有說那個凍結戶的這個部分的確現在詐騙集團實在是太猖獗了那凍結可能是一種方法那這中間誤傷無辜的這個部分怎麼來解決這個就是現在普遍一個這個誤傷潮很嚴重所以老百姓反應很多那我們想看這個怎麼解決那當然我本席來自金門關憲是我們金門鄉親被誤"},{"start":37.865,"end":51.84,"text":"防炸變成鎖帳所以被誤傷的這個部分怎麼來協助解決主要是現在金門鄉親很多戶頭被凍結很多銀行在金門他沒有設分行所以我們鄉親要來這邊解鎖的話必須要專門飛一趟台灣跑到台灣來解鎖"},{"start":56.565,"end":80.462,"text":"那這種這個的話這個詐騙我當然是支持說這個說這是一個方法我覺得是比較好的方法是不是說如果說哪些人曾經這個帳戶曾被使用這個使用者這個某某某人的這個帳戶那是不是他的相關帳戶除了凍結以外那當然現在等檢警掉油再做了"},{"start":80.882,"end":85.168,"text":"是不是讓這個有一些人可能是為了一點小利把自己的帳戶出賣給這個那是不是這樣的人就可以列入比較長久還是一段期間類似這種黑名單讓這個人不能再用那每一個要去出賣自己帳戶的人就會覺得就知道這個影響有多大"},{"start":98.504,"end":113.433,"text":"那當然在法令的刑法部我們也必須要修改啦詐騙的錢不管是金額大小不要說要幾百萬才來要求很重我們也當然要求很就可能金額少也要求很重的這個圖的這個圖形啦這個我們立法院法務部這邊也應該一起來做"},{"start":115.254,"end":120.595,"text":"那現在就是說 所以因為詐騙實在太傷絕 變成一個產業聽說現在 台灣現在黑道變很少啊大部分都去做詐騙 這個產業衝擊這個產業收入比較高嘛 還比較輕鬆 也不用動刀動槍啦那金管會可以做的部分以現在物商潮來講 我們想說 為我們金門鄉民講說有一些銀行在金門他們有設分行嘛"},{"start":138.579,"end":153.587,"text":"是不是統一某一個時間某一段時間哪一些分堂因為做的動作是一樣的只是說不同的分堂派員到金門去幫我們做解鎖的動作我跟你講這個非常非常的實際確實是剛才講這個問題"},{"start":156.829,"end":175.618,"text":"我們會來想辦法來解決 譬如說確實不太合理譬如說你真的叫一個金門鄉親為了這個東西做廢機嘛我覺得這是一個很特別就是說可能這個一定要我們會來想辦法跟銀行很多銀行不一定都要去就是說可以一起統合一下這個應該也不是那麼困難"},{"start":176.038,"end":198.096,"text":"我覺得這是有事實的需要我覺得很多銀行統合某一家去然後去他可以後端他們自己聯繫不只金門很多離島都會有這個需求這個問題是不是就是弄一個單一窗口部分的時間這個方法我們會來想你來想方法我想說這個確實是真的是要考慮到這點因為可能"},{"start":198.877,"end":225.76,"text":"他們在想的時候在都會區當然很方便到處有分行但是其實很多這個請你們幫我們研究一下什麼方法減輕鄉親的這個負擔第二個講到電子支付那我們進門電子支付這個普及您有提到說也希望這個電子支付平台不是剛這個之前十月份剛成立嗎那要有一個我們國我們也應該走向這個方向你有三個期許深化友善金融政策推動普惠金融要便利普及"},{"start":226.52,"end":247.074,"text":"還要進一步將服務拓展到離島偏鄉還有地區的商圈和景點這個我也是非常支持你也知道金門離大陸比較近我們常看到的進步我們都覺得很慚愧在電子支付方面第一個要有數據支撐請問你有沒有掌握我們金門縣的電子支付使用力和普及的速率"},{"start":247.634,"end":271.997,"text":"然後在這個全國啦或者說全國各縣市的這個排名是怎麼樣在各縣市裡頭是的確是說比如說都會去台北市啊高雄市這種普及率比較高還是說我這個不知道我就要請問你們有沒有對這些數據有掌握因為抱歉剛剛局長跟我說現在我們沒有這樣的一個數字有嗎沒有那你要這個是基本的嘛你如果沒有這樣東西你到底要怎麼去推"},{"start":272.657,"end":298.242,"text":"我們接下來可能因為工會成立了我覺得這是一個很好我想這個東西是不是做一個進一步開始做這方面的統計那我關心的是金門因為我本來想問你說金門在全國各縣市的電子支付的普及率和使用率是怎麼樣但你們連基本的數據都沒有你要怎麼去推這個所以你們可能要花一點看你要折成哪一個機關去推哪個機關呢對 就是工會剛剛已經成立了那是工會是民間嘛那政府要其實"},{"start":298.962,"end":315.396,"text":"或言信院金融言信院或什麼單位要去做這樣相關的這個就是說我們金融監理數據的掌握絕對是最基本這一點謝謝委員的指教我們會來趕快去看怎麼做好不好趕快怎麼做因為你要往前走當然主委的宣示很好但是沒有行動"},{"start":316.617,"end":335.581,"text":"連基本數據都沒有你就不知道各個地方要怎麼推我關心的是金門的部分我來提一下金門的部分我們去年底到金門金管會我們到金門去考察的時候我有說這個兩岸因為金門很多觀光客現在入客蠻多的有提到說這個兩岸的支付習慣不一樣電子支付的程序也不一樣"},{"start":336.141,"end":354.969,"text":"那銀行局喔就是相關單位要思考說在小山通港口對不對透過電我上次好像也有提過透過電子支付業者設窗口或其他對接讓兩岸旅客旅客在旅遊方面的付款上面更便利啦你們有沒有相關的研究後續啦我們去年考察以後我不是請你們去做相關的研究嗎"},{"start":357.937,"end":376.284,"text":"沒有沒關係我把我的金門的期待說出來你們後面去做出來給我們另外一個就是也有人提議過我在金門日報社群有看到金夏這個是財政部金融研訓院有做過也許你們一起跟他請教一下金夏如果能實行跨境支付和數字"},{"start":378.025,"end":406.407,"text":"資產兼理沙盒就可以為兩岸的旅遊和零售業帶來巨大便利那旅客搭船車門到金門或金門到廈門就不用很繁瑣的換匯只要綁定一個區域穩定幣的數位錢包就可以完成購物住宿的支付那金融機構透過這個區塊鏈來做清算形成這個安全透明可追蹤的交易系統你們可不可以請做這方面的研究我剛所提到的這兩點應該應該都是一個可行的方向也可以促進電子支付還有這種跨境支付"},{"start":406.707,"end":428.2,"text":"我想為這個我們整個國人研議一些可信的方法我們都可以來思考是但是因為金門地方比較小離大陸又近也算一個區域可以做一個研究的部分就是說一個很多事情比如說以前山通小山通在金門是先市先行很多基本算是一個"},{"start":429.541,"end":454.185,"text":"相對封閉又好實驗的地方啦我想在電子資助方面因為人數又少因為在金門縣試行推這個東西也可以作為你們未來這些一些經驗的這個參考啦研究評估我們絕對是是不是去研究評估哪個請哪個單位做研究評估我也跟你提出參考研訓院有做過這樣的相關資訊你們可以在那個基礎上繼續研究啦那什麼時候你可以給我這些答案呢"},{"start":454.525,"end":479.405,"text":"就是一個就是讓鄉親不用再奔波跑來開防詐這個銀行的帳戶我想我回去了解一下他剛剛委員的建議還有說我們有什麼其他更好的方法我會盡快可能可能我三天之內給委員一個一個方向看你到底打算什麼時候怎麼做這個第一點第二點那個有關電子支付這個跨境啊這個監理沙盒什麼各部分這個研究什麼時候可以給我呢"},{"start":479.605,"end":496.284,"text":"要開始做啦不要因為你要數據嘛這些都要有了嘛這個可能我們稍微評估一下並回覆給委員因為這部分那多久要給我這個答案呢就是說我說3天後3天後把這些答案都先給我你打算怎麼做就好把那個把它實成的大概要多久跟委員"},{"start":497.104,"end":517.089,"text":"對後續我們再來追蹤這個部分然後我們再來講這個講到這個我們基本地區這個需求以後我們來講這個詐騙詐騙這個猖獗太子集團什麼這些我知道各個部會都跨部會在這個開會但是我覺得金管會可能也還要負起再更大的承擔更大的責任不然他們這樣子"},{"start":519.97,"end":529.855,"text":"這個這麼多錢進來啊去買這些不管是豪宅豪車啊或者讓讓社會大眾都非常不能接受啊覺得這個第一個詐騙實在是太猖獗了然後在這一種這種剝奪感太重了然後又覺得我們的政府那當然有的不是你們責任比如說我們看到說我們看到說這個法院啊給他這個交保這15萬了5萬哇詐騙這麼多錢這個"},{"start":544.982,"end":563.635,"text":"這個這麼少教育 這樣不是你們問題今天因為這個法務部沒有在這裡這個當然是正常老百姓都看不下去那這樣以後誰去從事正當的工作但是防治洗錢做 我知道你們很努力那要再加上金融發展方面也是兩方面要要兼顧啦 這要兼顧也是很辛苦啦"},{"start":564.756,"end":590.827,"text":"但是這個部分雖然辛苦不是不能不是不要做還是要去努力對於那個我們國內在推這個亞洲資產金融這個資產管理中心那現在很多山寨版的我看媒體有報導很多山寨版的什麼家族什麼公司家族什麼財富公司什麼管理公司什麼這一類的這個東西的話你是不是必須要在這個部分可能在數據的研究上或是相關的然後公佈"},{"start":593.428,"end":613.869,"text":"揭露訊息上面讓各個銀行或者讓老百姓更能了解這樣子也可以從詐騙可以某個階段可以斬斷那個詐騙不然老百姓會相信會相信這件事好像非常有財富然後用這個身份來詐騙詐騙一般的民眾這問題是不是有什麼的做法"},{"start":614.451,"end":632.907,"text":"不過剛剛委員提到就是說就是這些的一些防詐的範例跟提醒我們這個謝謝委員的提醒我們會來做剛剛提到就是說其實任何一個案件就是給我們一個教訓我想我們各個部會在防洗前都非常的認真努力只是說"},{"start":633.988,"end":654.036,"text":"既然被突破了我們就要深自檢討我們真的要好好的想就我們掌管的金流部分我們真的會好好來檢討這件事情看看從中間可以得到什麼教訓可以來修補或是來改善我們現行的作法立法院當然也會在法律的修改方面出力像這種什麼詐騙子交保多少錢這種我們也是看不下去但是你們還是要努力尤其在資訊的揭露方面好嗎是的謝謝主委謝謝謝偉"}]}},"supported_relations":[],"relations":[]}