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陽勛發言 首先邀請速發部邀請速發部是 委員好本席請教 從我們今年的11月5號我們開始發放普發現金1萬元的政策線上登記您領了嗎我自己還沒領 還沒去登記"},{"start":29.463,"end":49.506,"text":"還沒登記那你預估會用什麼方式呢我應該也是用這個線上登記的方式用線上登記那平台上現在登記需要填寫身份證金融帳號健保卡那當然我們現在宣稱說是符合這個高資安的標準"},{"start":50.367,"end":69.843,"text":"但是你有沒有聽到民眾因為近期的這個詐騙氾濫所以你只要涉及要填寫的這一些他都會擔心受騙所以他寧可放棄了線上登記改到ATM或者是改到郵局臨櫃來領現金"},{"start":72.164,"end":90.558,"text":"這樣子的現象等於會直接反映到速發部我們在政策落實跟在民眾的信賴度建立上似乎還有精進的空間那麼本席在這邊要請教也就是速發部你如何看待民眾生怕我將這三個資料這個登記上網之後呢怕會被詐騙因為現在詐騙非常的氾濫那你要怎麼樣"},{"start":100.845,"end":118.805,"text":"如何來讓平台它是有信任度操作是安全跟防詐的一個教育請做說明是 報告委員就是我們現在包括剛才委員講到的說身份證字號健保卡號跟帳號其實它是要同一個人"},{"start":119.506,"end":134.351,"text":"我们会去检查是同一个人才会去把那个钱汇进去所以即使他这个身份证号当然是同一个人你怎么可能身份证跟你的账号不一样那你怎么可能对不对你这说明我挺怪怪的当然是同一个人他就依照你的指令这样去登记但是他会害怕因为诈骗犯难太严重所以即使说这个诈骗集团拿着别人的这个资料去填"},{"start":149.608,"end":176.972,"text":"最後這個錢一定是匯到這個人的帳號因為他三個是要同一個人才會通過所以最後錢不會匯到詐騙集團的帳號去一定是到這個人的帳號那這個是我們技術上面可以把它解決的你們現在技術這麼解決但是會再衍生第二個問題也就是我這一些資料公開之後在我還沒有收到錢的時候他會不會被轉換出去"},{"start":177.852,"end":205.456,"text":"有沒有這個危機不會不會會不會有這個危機這個就是本席非常希望因為他是一個便利的但是當民眾有疑慮的時候我們要怎麼樣去解除民眾的疑慮只有我們單位知道民眾還是這個憂心這樣是不夠的所以本席才會說我們在整個信賴度上面我們要怎麼樣去加強還有我們防詐的一個教育要怎麼樣落實讓民眾可以清楚"},{"start":206.599,"end":221.215,"text":"報告委員我們可以在我們那個10000.gov.nz這個網站上面就在登記那邊我們可以多一點訊息讓民眾可以更放心這樣子的一個方式這個也是你精進的方案之一所以本席也希望因為我們現在剛開始"},{"start":222.797,"end":243.24,"text":"很多人還是告訴我說我去郵局領 我去ATM領這樣我比較放心但是我們既然已經有速發部來開發不要讓民眾不放心你把你的經濟方案給本席讓民眾對於我們的平台是信賴的好的把那個方案給本席謝謝 接下來本席邀請金管會"},{"start":249.349,"end":275.909,"text":"金管會我們接受到蠻多的一個陳情因為金管會我們在要求銀行啟用這個AI風險系統打擊詐騙控管這是對的但是問題是有很多的零工的經紀者比如說網拍 呼編單這一種的以及中高齡的用戶那麼他們因為是小額平凡的交易或者是新轉帳的這個情況比較頻繁"},{"start":279.312,"end":297.387,"text":"但是他是一個正常的一個生活所需的必要技術也好方法也好必要用的一個他的工具所以在這種情況之下有一個帳戶在三個月內有26筆的小額匯款但是呢另外還有6筆每一筆不到3000元"},{"start":299.963,"end":327.594,"text":"不到3000元的這個匯款但是它被銀行鎖住了那鎖住了它當然它的生財工具就被凍結所以在這樣的一個情況之下因為它被誤以為是高風險的賬號所以在這樣的情況之下呢本席要請教我們銀行如果在明確的標準跟救濟的管道應該要有這些救濟的管道要迅速而且有救濟的管道"},{"start":328.374,"end":350.312,"text":"能夠讓民眾在正常生活跟正常收入的時候它不受影響因為它的一個經濟體的方式是不一樣的是小額而且頻繁的所以我們希望也就是金融在防詐的時候不要成為它是生活的阻礙而且削弱了金融的一個包容性所以因此本席要請教對於合法使用"},{"start":353.414,"end":370.266,"text":"因高風險而被排除金融體系的這個情況我們對於這樣子的一個銀行風險控管的標準以及設立快速救濟的通道我們應該是要提出具體的方案吧請做說明是 謝委員的這個垂詢"},{"start":373.427,"end":403.287,"text":"那我们对于银行去控管账户,我们都会要求他做一个事前的一个标准,严格的标准的一个审查,那事中的话也要随时去看这个客户的一个实际的状况,那事后的话也要检查他们控管的这个方式合不合理,像委员刚提到的个案,那如果是正常交易的,那他如果被锁住了,要马上跟银行联络,银行就会去判断他如果是网拍,他有大量进出的需要,"},{"start":403.707,"end":426.765,"text":"那他馬上就會給他解鎖那這個解鎖的方式可能包括電話、網路、臨櫃都可以沒有那麼清楚也沒有那麼簡便所以本席接到這樣子的陳情所以要跟這個單位來說明我們當然防詐我們一定要防詐控管這個風險但是它是正常所需要的當他發現被鎖的時候"},{"start":430.067,"end":450.307,"text":"他去陳情的時候 他去說明的時候本席認為在整個救濟的管道應該要更便捷 更快速是 就誠如我剛跟委員報告的目前大概就是我剛說的三種方式那如果是個案的話 委員是不是可以提供給我們"},{"start":450.828,"end":476,"text":"不是說個案我們現在在討論的是他的制度跟方向所以本席也具體建議您給這個銀行團告訴他們你們現在有你們的方案那你們是不是再去檢視民眾有困難的時候如果他屬實你們查證他是如本席剛才所說的忽偏大的網拍的他必須要如此的時候那麼也請具體"},{"start":477.281,"end":486.643,"text":"以快速減變的方式讓他們可以恢復他正常生活所需好不好好 我們回去再好 經濟方案也給本席 好嗎好 謝謝謝謝楊卓明委員"}]}},"supported_relations":[],"relations":[]}