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他是從海外匯款居多是 那海外匯款居多大多數啦因為不太可能他是他也沒有講說他帶現金進來嘛那只要海外匯款進來一定都會有所謂的金流嘛橋外資投資都要經過一定的這個管道審核是"},{"start":81.098,"end":92.413,"text":"那再加上他現在買了很多的豪宅名車也都是用匯款吧還是他們用現金或是用銀行支票支付是 所以這就變成兩層問題第一"},{"start":94.522,"end":118.305,"text":"主委能不能因為現在我也看到是說我們有媒體報導甚至昨天高檢署還有針對找相關部會來講其實講的問題也是一樣對 其實高檢署我們都跟他密切的合作就是昨天那個會議應該前天的會議也是我們聯繫以後大家趕快來做希望成立一個跨部會的工作小組來處理這件事情因為確實剛剛委員所關心的問題"},{"start":119.386,"end":141.458,"text":"整個金流的部分是我們整個國家反洗錢的機制裡面銀行所負責的就是對那個異常交易的通報然後去把各種的情資集中以後再來預判接下來我們要做什麼犯罪增防的動作我想剛剛講說這個被突破了這整個來講我覺得整個體系大家都要好好來檢討一下"},{"start":142.538,"end":170.884,"text":"你該規定的都做了為什麼他還能夠突破這件事情就是一個犯例的本身本來犯罪的手法不斷的在提高過去我們的手法可能沒辦法攔住到我們現在就是這就是一般普羅大眾老百姓想問的過去幾年一個個人戶頭要交一個30萬 40萬不到50萬可能都臨櫃會被行員來詢問關心都還有那個網路上都還有交戰守則是說你要講說是要用什麼樣的用途對不對"},{"start":172.085,"end":188.182,"text":"但是本席现在想要问的也想了解的是说那为什么你刚刚你讲这些其实都是大家想要问的问题其实那过去这几年到底我们是都管一般老百姓反而对于那种跨国公司海外公司然后完全没有去设防"},{"start":188.542,"end":204.153,"text":"當然不是 當然不是我覺得就剛剛那個林委員也在質詢這相同我跟他講 當一個案子已經發生你在回推的時候感覺好像就是怎麼會沒看到但我們今天竟然每天這個交易這麼大的時候我們只能透過預警系統來做這件事情"},{"start":205.094,"end":229.333,"text":"我剛講說這整個制度的話如果說只因為一個案子就說我們整個失靈應該不是我覺得我們在很多細節沒辦法這邊公開說明他確實在資金匯入的過程當中不如我們想像就好像我就把一筆錢就進來不是他有非常非常複雜說這是我們請我們檢察局同仁在整個來釐清的過程還有就是整個未來豪宅豪車的交易的流程"},{"start":230.214,"end":254.44,"text":"不是涉及到金流還涉及到比如說我們的地震室代輸很多這個環節這些都是要跨部我們趕快來彌補才是重點主委 不要誤解本席的意思本席開宗明義就講因為我認為說您上任之後確實我們在討論很多次防炸的部分你也確實有做一些功課也做一些積極的作為所以說在金管這一塊面我其實是還是以抱持正向肯定但我要講的是說"},{"start":255.905,"end":273.465,"text":"他不是一個小數目第一45億那他是不管是化整為零進來那本息也算啦如果45億過去這七年他平均一年也六七億啊那如果說對比一個個人戶五十萬的金流都要被詢問的時候那他一年六七億怎麼樣降進來"},{"start":274.826,"end":294.157,"text":"一個部分委員這個簡單說明一下一個是境外投資進來它是一個以反洗錢的角度或是境外資金來源的審查的模式剛剛說民眾去領錢提錢是銀行覺得你可能有被詐騙的可能性他做一個關懷這兩個是一個是防詐是不同的"},{"start":294.577,"end":311.072,"text":"所以說他的金額標準認定可能也會有很大的不同他的那個啟動的方式是不一樣就比如說我今天我們現場的行為很辛苦他看你神色慌張或是你講的就是他們標準的套路對不對他一定會加以光環比如說你買黃金做裝潢這個他們都很有警覺心的"},{"start":312.372,"end":337.072,"text":"那當然我的意思說假設你今天是一個我們正常我們就鼓勵外資來投資台灣其實坦白講這就是一個任何國家的政策但比如以他這個犯罪團伙來看他在全世界突破了很多很多國家的這個國際洗錢的規範這也是我們要做國際合作還有就是我們自己要好好來檢討是 主委其實您剛剛講到重點本期也在講是說因為這不只太極集團我們再去了解也不只是只有台灣受害"},{"start":337.532,"end":354.267,"text":"新加坡 英國 美國都受害所以說才啟動甚至它在新加坡的資產可能更多對 英國也是更多是 但本身現在想好 所以說兩個部分啦我覺得這就是變成是我們之後還有檢討的空間這一點那另外第二點也是它進來到台灣的資金"},{"start":356.248,"end":380.456,"text":"轉化成實體的一些部分然後變成是他有點大家講說洗錢的一個手法所以包括說買豪宅買民車那相對來講這些豪宅民車他的成交樣本是比較屬於高單價也是比較屬於金字塔相對來講成交的數量也會比較少所以未來針對這個部分如果說有成交然後他的資金來源的部分是不是有要更"},{"start":381.817,"end":400.911,"text":"確實剛剛委員提到我們這次也藉由這個案例我們未來對豪車豪宅的金流的掌控我們會來重新來思考整套的流程應該如何防篤這樣的一個方法但是細節不能在這邊說是 我想還是提醒因為本席已經看到我覺得說過去照理講"},{"start":401.932,"end":417.454,"text":"以過去金管會這樣子的狀況不應該發生但是既然已經發生了我們就要想說怎麼樣透過這發生的事件把漏洞給補起來沒錯所以說既然已經有那就請金管會這邊再更加重視我們會持續努力好不好謝謝謝謝委員好 謝謝"}]}},"supported_relations":[],"relations":[]}