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謝謝主席 請管會的彭主委 請彭主委委員早安 彭主委早 彭主委我請教 因為打造EBI"},{"start":23.224,"end":34.296,"text":"儀表板資料顯示115年1到2月假投資詐騙是最多的財損原因那警方受理差不多3090件財損合計54億"},{"start":39.471,"end":51.222,"text":"民怨真的四起北京走訪基層經常也在探討民眾建議說台灣要比照新加坡增加變形、詐騙犯"},{"start":53.509,"end":81.185,"text":"提供銀行帳戶者將被強制以邊形尤其那個TVBS的民調高達七成的民眾贊成引進邊形來處這些詐騙犯那本席請問我們在場的很多董事長跟總經理們你們要是反對邊形的詐騙犯的請舉手好不好反對的"},{"start":82.938,"end":98.968,"text":"這個是也是民調之一你看幾乎大家都沒有反對因為講實在話為什麼要做這樣民調我包括很多那個場面裡面有分局分局長他都贊成說應該要加變形"},{"start":101.755,"end":128.82,"text":"我問過N場了啦其實我們是要解決問題啊那媒體報導詐欺集團的人頭賬戶啊遭警示凍結來不及領走的這些賬款還有幾十億啦那我請問彭主委這些被凍結的詐騙的賬款金額確確有多少你了不了解這我沒有確切的數據沒有去做統計是不是對"},{"start":130.641,"end":138.389,"text":"應該是有這個數據啦因為這個可能不是我們這邊或是我可以請銀行局局長可以來跟銀行局長來你了不了解"},{"start":140.28,"end":156.036,"text":"目前我們沒有這樣做一個統計但是在法治上我們有被害人款項返還我了解 因為那個 滕主委依法 請方可以將查扣人頭的帳戶詐騙的帳款還給被害的民眾但經由查對 曠日會時"},{"start":163.263,"end":186.828,"text":"那查緝辦案處理人力有限導致這些被害人的屍款看得到拿不回那我請問彭主委未來儘管會用哪些方法可以協助這些警方來加快金流茶隊的程序儘早讓這些受詐的這些被害人拿回自己的錢你有沒有什麼想法 那個彭主委"},{"start":188.008,"end":201.615,"text":"謝謝委員的指正剛才委員提到對於詐騙我們也是大家都一樣深惡痛絕但是對於受害人而言最重要的除了懲治詐騙犯以外很重要就是能夠減少損失返還這些所謂被騙的金額"},{"start":206.937,"end":222.014,"text":"不過這個狀況比較複雜那我們在現行的法規裡面如果說有很明確的知道這個帳戶的來源確實這樣的話確實有一個機制直接可以由司法機關就可以通知然後就把它返還但是我們看到一個實務的狀況就是當"},{"start":223.556,"end":247.263,"text":"受害人驚覺到這個結果的時候已經經過層層轉了以後那雖然知道這張款但是最後要明確知道它的詳細的內容是花點時間我們最近也有看到有個銀行非常主動的個案那我們已經請銀行局深入去理解假設這是一個未來大家可以通用的方式來做的話我們會協調司法單位看有沒有怎麼樣的辦法"},{"start":248.203,"end":275.075,"text":"金融機構這邊一定是全力來協助金流的比對但是最後呢怎麼樣返還我們會利用這個各種的成功的個案我們想盡辦法來協助民眾返還他受騙的金額好我希望說彭主委一定啊這個要去做一套機制那多費一點時間我認為這個因為他受詐以後真的那種心境我們可以理解"},{"start":276.115,"end":290.493,"text":"那今天要是說抓到詐騙犯而且已經掌握到他的整個金流那該緩緩的你們要有一套機制啊積極的來做處理彭主委儘管會要求銀行做防詐"},{"start":291.714,"end":305.469,"text":"結果倒高一尺 磨高一丈現在詐騙集團大量的利用虛擬貨幣把錢洗到海外今晚為現在虛擬資產的主管機關那我請問主委你們有沒有從源頭斬斷洗錢金流的鐵碗"},{"start":312.977,"end":326.489,"text":"其實我們在我們大概我們有想到的方法我們大概都做比如說我們現在針對我們一般的金融機構跟我們虛擬資產服務業者之間的一些的金流管控我們已經有這個機制"},{"start":327.97,"end":348.249,"text":"再來我們現在已經逐步納管我們的虛擬資產服務業者那實際上他們也針對這些這個所謂的詐騙房子還有一些洗錢部分也納入政府我們也跟速發部有建立這樣的合作機制來做這個管理我想這個透過整個制度的到位應該會逐步的會改善"},{"start":348.709,"end":348.809,"text":"是 這個是"},{"start":371.849,"end":397.05,"text":"打詐防詐是通力的行為我知道基層員警跟檢察官都非常辛苦其實銀行端也非常的辛苦銀行當然我們這幾年主詐就超過了應該260億吧就是說協助這個民眾這個主卻我想大部分的臨櫃關懷我想大家都知道其實我們大家都很努力其實我們絕對不會把所有的所謂的把這個責任推給某一個部分其實大家都很努力像我們在臨櫃關懷的時候除了我們"},{"start":398.351,"end":425.122,"text":"基層的行員其實我們基層的員警也盡了非常大的力量來做這件事情那我想我們會來精進我們的做法好希望更積極一些啦那個主委因為媒體報導許多授權公司啊2026年要積極來推展房貸的業務然而卻有這些公股基層的銀行人員跟本席來抱怨啦反應高層要求銀行行員幫"},{"start":427.903,"end":443.909,"text":"這個保險公司來拉保險雖然銀行大賺手續會的收入卻讓第一線理財的這些專員壓力大增長久下來恐怕會讓保險公司不像保險公司而且銀行不像銀行"},{"start":445.59,"end":466.605,"text":"確實現在是存在的喔根據金管會資料統計112年到113年八大公股、行股遭到客戶申訴銀行通路有不當的這些招攬保險的行為共發生了117件那本席是希望說金管會在落實督導"},{"start":468.006,"end":496.133,"text":"讓銀行業及保險業各自他們來回歸他專業的專注的本業那除了賺錢獲利更要承擔更多這個企業社會的一個責任以避免這些銀行裡專人員以不當的話術誘使民眾來購買不熟悉的這些金融保險商品以免未來發生一些更多的投資糾紛那個主委你有什麼看法"},{"start":497.393,"end":520.298,"text":"實際上我們經貿市場的管理有兩大塊一個就是市場行為的管理我想剛才委員所指正的就是市場行為的管理這部分我們對銀行保險業務我們從2001年經貿公司設立以來2005年做大幅的開放實際上這部分我們已經針對陸陸續續對銀行在銷售保險商品應該做的一些事項做過非常非常多的規範我想剛才提到的這些"},{"start":520.638,"end":536.733,"text":"所有爭議案件我們也都會進到評議中心去評議如果做成決議的話大部分人也都會遵守我想這部分我們會來動態調整我們會非常的關注像這種不當銷售行為一直都是市場管理上非常重要的那確實現在是存在現在變成保險不像保險那銀行不像銀行"},{"start":539.475,"end":557.833,"text":"結果銀行那些有專都在招保險他有通路跨售的這樣一個情況這也是金融整合的一個過程我想也不是台灣啦因為客戶有他一站式消費的需求所以銀行有他的優勢但是呢常常不能因為銀行的一些的所謂資訊上的優勢或是他一些"},{"start":559.554,"end":577.395,"text":"做一些其實過去我們已經有很多很多的規範來規範我想銀行是一個高度遵守這個法規的一個行業啦我想我們只要有規定下去他們都會遵守這我會請保險局跟銀行局密切的關注這些一些申訴的個案來修改我們的相關的辦法"},{"start":578.396,"end":605.815,"text":"主委最近台股屢創新高啦全民都在瘋狂討論股票今天本席在財委會來替全國股民問主委一個最直接的問題台股現在到底你認為有沒有過熱其實我在很多的這個在這個地方我講過很多事情其實我們不會去預測我們台股的一些的內容因為我們是一個市場的監理者嘛所以"},{"start":607.831,"end":630.869,"text":"這個沒有辦法透過我這邊的觀察因為現在有很多因素而且我們表面上看股市是史無前例的這些大牛市但是本席在地方上聽到卻是有許多股民的哀嚎因為現在的台股出現了跟我們總體經濟一樣的K型化的趨勢大盤指數往上衝"},{"start":631.75,"end":648.817,"text":"都是靠極檔的AI科技股在衝而傳統產業一般小型這些股小型股根本就是沒有漲這是賺了指數賠了差價那散戶根本沒有享受到股市創新高的這些紅利主委你怎麼看呢"},{"start":649.477,"end":674.987,"text":"我想資本市場本來就是要謹慎投資注意風險我想一直都是這樣跟指數的高低其實沒有太大的差別這個都是一直都要關注那你說產業結構跟資本市場發展的我們也有請教育所密切的注意這些這些比如說它的股價跟它的經營績效之間的一些關聯程度來看看是不是我們的資本市場效率性有什麼做法可以來提升"},{"start":676.188,"end":686.535,"text":"我是希望說一定要提醒大家因為現在我們都是跟著美國股市在走但是現在局勢真的是很亂要非常的小心謝謝"}],"gazette":[{"speaker":"林委員德福","start":"2026-03-18T09:11:41.508000+08:00","guessed":false,"end":"2026-03-18T09:11:41.708000+08:00","text":"謝謝主席。","quality":1},{"speaker":"林委員德福","start":"2026-03-18T09:11:41.848000+08:00","guessed":false,"end":"2026-03-18T09:11:42.269000+08:00","text":"請金管會彭主委。","quality":0.857},{"speaker":"主席","start":"2026-03-18T09:11:42.309000+08:00","guessed":false,"end":"2026-03-18T09:11:42.669000+08:00","text":"請彭主委。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:11:42.970000+08:00","guessed":false,"end":"2026-03-18T09:11:43.390000+08:00","text":"委員早安。","quality":1},{"speaker":"林委員德福","start":"2026-03-18T09:11:44.251000+08:00","guessed":false,"end":"2026-03-18T09:11:44.572000+08:00","text":"彭主委早。","quality":1},{"speaker":"林委員德福","start":"2026-03-18T09:11:45.012000+08:00","guessed":false,"end":"2026-03-18T09:12:15.872000+08:00","text":"彭主委，我請教你，根據打詐儀錶板資料顯示，115年1到2月，假投資詐騙是最多的財損原因，警方受理差不多3,090件，財損合計54億，真的民怨四起。","quality":0.852},{"speaker":"林委員德福","start":"2026-03-18T09:12:17.314000+08:00","guessed":false,"end":"2026-03-18T09:12:43.517000+08:00","text":"本席走訪基層時也經常在探討，民眾建議臺灣要比照新加坡增加鞭刑詐騙犯，或提供銀行帳戶者將被強制施以鞭刑，尤其TVBS的民調，高達7成民眾贊成引進鞭刑來處罰這些詐騙犯。","quality":0.829},{"speaker":"林委員德福","start":"2026-03-18T09:12:44.978000+08:00","guessed":false,"end":"2026-03-18T09:12:54.323000+08:00","text":"本席請問在場的許多董事長跟總經理們，反對鞭刑詐騙犯的請舉手。","quality":0.893},{"speaker":"林委員德福","start":"2026-03-18T09:12:57.938000+08:00","guessed":false,"end":"2026-03-18T09:13:03.141000+08:00","text":"這個也是民調之一，你看幾乎大家都沒有反對。","quality":1},{"speaker":"林委員德福","start":"2026-03-18T09:13:04.802000+08:00","guessed":false,"end":"2026-03-18T09:13:07.644000+08:00","text":"講實在話，為什麼要做這樣的民調？","quality":0.929},{"speaker":"林委員德福","start":"2026-03-18T09:13:07.864000+08:00","guessed":false,"end":"2026-03-18T09:13:20.596000+08:00","text":"包括在很多場面，裡面有分局、分局長，他都贊成應該要增加鞭刑，我問過N場了，其實我們是要解決問題。","quality":0.905},{"speaker":"林委員德福","start":"2026-03-18T09:13:22.416000+08:00","guessed":false,"end":"2026-03-18T09:13:32.778000+08:00","text":"媒體報導，詐欺集團人頭帳戶遭警示凍結、來不及領走的這些贓款還有幾十億。","quality":0.938},{"speaker":"林委員德福","start":"2026-03-18T09:13:33.898000+08:00","guessed":false,"end":"2026-03-18T09:13:39.359000+08:00","text":"我請問彭主委，這些被凍結的詐騙贓款金額確切有多少？","quality":0.913},{"speaker":"林委員德福","start":"2026-03-18T09:13:40.059000+08:00","guessed":false,"end":"2026-03-18T09:13:40.579000+08:00","text":"你了不了解？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:13:41.739000+08:00","guessed":false,"end":"2026-03-18T09:13:42.700000+08:00","text":"這個我沒有確切的數據。","quality":0.9},{"speaker":"林委員德福","start":"2026-03-18T09:13:42.700000+08:00","guessed":false,"end":"2026-03-18T09:13:43.420000+08:00","text":"沒有去做統計？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:13:43.820000+08:00","guessed":false,"end":"2026-03-18T09:13:51.687000+08:00","text":"對，應該是有這個數據啦，因為這個可能不是我們這邊……或是我可以請銀行局局長來跟委員說明。","quality":0.897},{"speaker":"林委員德福","start":"2026-03-18T09:13:52.127000+08:00","guessed":false,"end":"2026-03-18T09:13:53.369000+08:00","text":"銀行局長你了不了解？","quality":1},{"speaker":"童局長政彰","start":"2026-03-18T09:13:55.280000+08:00","guessed":false,"end":"2026-03-18T09:13:57.522000+08:00","text":"跟委員報告，目前我們沒有這樣相關數據的統計。","quality":0.4},{"speaker":"林委員德福","start":"2026-03-18T09:13:57.522000+08:00","guessed":false,"end":"2026-03-18T09:13:58.603000+08:00","text":"沒有做這樣一個統計？","quality":0.556},{"speaker":"童局長政彰","start":"2026-03-18T09:13:58.603000+08:00","guessed":false,"end":"2026-03-18T09:14:01.827000+08:00","text":"對，但是在法制上，我們有被害人款項返還的機制。","quality":0.75},{"speaker":"林委員德福","start":"2026-03-18T09:14:01.827000+08:00","guessed":false,"end":"2026-03-18T09:14:02.147000+08:00","text":"我了解。","quality":1},{"speaker":"林委員德福","start":"2026-03-18T09:14:04.229000+08:00","guessed":false,"end":"2026-03-18T09:14:26.165000+08:00","text":"彭主委，依法警方可以將查扣人頭帳戶詐騙的贓款還給被害的民眾，但金流查對曠日廢時，查緝辦案處理人力有限，導致這些被害人的失款看得到、拿不回。","quality":0.889},{"speaker":"林委員德福","start":"2026-03-18T09:14:27.585000+08:00","guessed":false,"end":"2026-03-18T09:14:39.427000+08:00","text":"我請問彭主委，未來金管會可以用哪些方法協助警方加快金流查對的程序，儘早讓這些受詐的被害人拿回自己的錢？","quality":0.896},{"speaker":"林委員德福","start":"2026-03-18T09:14:39.427000+08:00","guessed":false,"end":"2026-03-18T09:14:40.908000+08:00","text":"你有沒有什麼想法？","quality":1},{"speaker":"林委員德福","start":"2026-03-18T09:14:41.508000+08:00","guessed":false,"end":"2026-03-18T09:14:41.808000+08:00","text":"彭主委。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:14:43.008000+08:00","guessed":false,"end":"2026-03-18T09:14:43.989000+08:00","text":"謝謝委員的指正。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:14:44.129000+08:00","guessed":false,"end":"2026-03-18T09:14:56.615000+08:00","text":"剛才委員提到，對於詐騙，大家都一樣是深惡痛絕，但是對於受害人而言，最重要的，除了懲治詐騙犯以外，很重要的就是能夠減少損失、返還這些所謂被騙的金額。對。","quality":0.955},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:15:01.937000+08:00","guessed":false,"end":"2026-03-18T09:15:16.053000+08:00","text":"不過這個狀況比較複雜，我們在現行的法規裡面，如果很明確知道這個帳戶的來源確實是這樣的話，確實有一個機制直接由司法機關就可以通知，然後就把它返還。","quality":0.985},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:15:16.053000+08:00","guessed":false,"end":"2026-03-18T09:15:28.259000+08:00","text":"但是我們看到一個實務的狀況，就是當受害人驚覺到這個結果的時候，已經經過層層轉了以後，雖然知道這是贓款，但是最後要明確知道它的詳細內容要花點時間。","quality":0.955},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:15:28.259000+08:00","guessed":false,"end":"2026-03-18T09:15:46.825000+08:00","text":"我們最近也看到銀行有個非常主動的個案，我們已經請銀行局深入去理解，假設這是一個未來大家可以做的通用方式，我們會協調司法單位看看有沒有什麼樣的辦法，金融機構這邊一定是全力協助金流的比對。","quality":0.931},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:15:47.125000+08:00","guessed":false,"end":"2026-03-18T09:15:55.628000+08:00","text":"最後怎麼樣返還，我們會利用各種成功的個案，我們會想盡辦法協助民眾，返還他受騙的金額。","quality":0.974},{"speaker":"林委員德福","start":"2026-03-18T09:15:55.628000+08:00","guessed":false,"end":"2026-03-18T09:16:22.089000+08:00","text":"好，我希望彭主委一定要去做一套機制，多費一點時間，我認為他受詐以後，那種心境我們可以理解，今天要是說抓到詐騙犯，而且已經掌握到他的整個金流，那該返還的，你們要有一套機制積極的處理。","quality":0.975},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:16:22.089000+08:00","guessed":true,"end":"2026-03-18T09:16:23.089000+08:00","text":"是，當然。","quality":0},{"speaker":"林委員德福","start":"2026-03-18T09:16:22.729000+08:00","guessed":false,"end":"2026-03-18T09:16:40.469000+08:00","text":"彭主委，金管會要求銀行防詐，結果道高一尺，魔高一丈，現在詐騙集團大量利用虛擬貨幣把錢洗到海外，金管會現在是虛擬資產的主管機關，我請問主委，你們有沒有從源頭斬斷洗錢金流的鐵腕？","quality":0.899},{"speaker":"林委員德福","start":"2026-03-18T09:16:40.469000+08:00","guessed":true,"end":"2026-03-18T09:16:47.977000+08:00","text":"有沒有辦法？","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:16:47.977000+08:00","guessed":false,"end":"2026-03-18T09:17:23.229000+08:00","text":"其實我們有想到的方法我們大概都做了，比如說，現在針對一般的金融機構，跟我們虛擬資產服務業者之間一些金流的管控，我們已經有這個機制；再來，我們現在已經逐步納管虛擬資產服務業者，實際上，他們也針對這些所謂的詐騙防制，還有一些洗錢的部分也納入正軌，我們也有跟數發部建立這樣的合作機制來管理，我想透過整個制度到位，應該會逐步的改善。","quality":0.94},{"speaker":"林委員德福","start":"2026-03-18T09:17:23.229000+08:00","guessed":true,"end":"2026-03-18T09:17:46.849000+08:00","text":"不能讓銀行只會賺利息，讓這些幣商大賺手續費，確保防堵、防詐跟抓人的責任全部都推給累了個半死的這些基層員警，金管會接下來在防堵虛擬貨幣洗錢上，你們一定要有所作為。是。","quality":0.04},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:17:46.849000+08:00","guessed":false,"end":"2026-03-18T09:17:57.418000+08:00","text":"打詐、防詐是通力的行為，我知道基層員警跟檢察官都非常辛苦，其實銀行端也非常的辛苦，在銀行端，我們這幾年阻詐應該就超過260億吧！","quality":0.909},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:17:58.158000+08:00","guessed":false,"end":"2026-03-18T09:18:19.794000+08:00","text":"就是說協助民眾阻卻，我想大部分的臨櫃關懷，大家都知道，其實我們大家都很努力，我們絕對不會把責任推給某一個部分，其實大家都很努力，像我們在臨櫃關懷的時候，除了我們基層的行員，其實我們基層的員警也盡了非常大的力量來做這些事情，我想我們會來精進我們的做法。","quality":0.983},{"speaker":"林委員德福","start":"2026-03-18T09:18:20.154000+08:00","guessed":false,"end":"2026-03-18T09:18:21.895000+08:00","text":"好，希望更積極一些。","quality":1},{"speaker":"林委員德福","start":"2026-03-18T09:18:23.115000+08:00","guessed":false,"end":"2026-03-18T09:19:01.310000+08:00","text":"主委，媒體報導，許多壽險公司2026年要積極推展房貸的業務，然而卻有這些公股基層的銀行人員跟本席抱怨、反映，高層要求銀行行員幫保險公司來拉保險，雖然銀行大賺手續費的收入，卻讓第一線理財的專員壓力大增，長久下來恐怕會讓保險公司不像保險公司，銀行不像銀行，這確實現在是存在的哦！","quality":0.951},{"speaker":"林委員德福","start":"2026-03-18T09:19:02.611000+08:00","guessed":false,"end":"2026-03-18T09:19:17.742000+08:00","text":"根據金管會資料統計，112年到113年，八大公股行庫遭到客戶申訴銀行通路有不當的招攬保險行為，共發生了117件。","quality":0.977},{"speaker":"林委員德福","start":"2026-03-18T09:19:19.244000+08:00","guessed":false,"end":"2026-03-18T09:19:49.753000+08:00","text":"本席希望金管會再落實督導，讓銀行業及保險業各自回歸其專業、專注本業，除了賺錢獲利，更要承擔更多企業社會的責任，避免這些銀行理專人員以不當的話術誘使民眾購買不熟悉的金融保險商品，以免未來發生更多的投資糾紛。","quality":0.968},{"speaker":"林委員德福","start":"2026-03-18T09:19:50.213000+08:00","guessed":false,"end":"2026-03-18T09:19:51.113000+08:00","text":"主委，你有什麼看法？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:19:52.393000+08:00","guessed":false,"end":"2026-03-18T09:20:13.878000+08:00","text":"實際上，我們金融市場的管理有兩大塊，一個就是市場行為的管理，我想剛才委員所指正的就是市場行為的管理，這部分我們對銀行保險業務從2001年金控公司設立以來，2005年大幅開放，實際上這部分我們已經陸陸續續針對銀行銷售保險商品應該做的一些事項做過非常非常多的規範。","quality":0.957},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:20:13.878000+08:00","guessed":false,"end":"2026-03-18T09:20:28.750000+08:00","text":"我想，剛才提到這些所有的爭議案件，我們也都會進到評議中心去評議，如果作成決議，大部分人也都會遵守，這部分我們會來動態調整，我們會非常的關注像這種不當銷售行為，一直都是在市場管理上非常重要的。對啊！","quality":0.944},{"speaker":"林委員德福","start":"2026-03-18T09:20:29.731000+08:00","guessed":false,"end":"2026-03-18T09:20:36.998000+08:00","text":"確實這是存在的，現在變成保險不像保險，銀行不像銀行，那些銀行理專都在招保險……","quality":0.853},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:20:37.158000+08:00","guessed":false,"end":"2026-03-18T09:20:57.277000+08:00","text":"它有通路跨售的情況，這也是金融整合的過程，也不是只有臺灣，因為客戶有一站式消費的需求，所以銀行有它的優勢，但是不能因為銀行有一些所謂資訊上的優勢而去做……其實過去我們已經有很多很多規範。","quality":0.918},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:20:57.277000+08:00","guessed":false,"end":"2026-03-18T09:21:12.375000+08:00","text":"我想，銀行是一個高度遵守法規的行業，我們只要規定下去，他們大概都會遵守，我會請保險局跟銀行局密切關注這一些申訴的個案來修改我們的相關辦法。","quality":0.969},{"speaker":"林委員德福","start":"2026-03-18T09:21:13.396000+08:00","guessed":false,"end":"2026-03-18T09:21:28.347000+08:00","text":"好，主委，最近臺股屢創新高，全民都在瘋狂討論股票，今天本席在財委會來替全國股民問主委一個最直接的問題，你認為臺股現在到底有沒有過熱？","quality":0.933},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:21:28.687000+08:00","guessed":false,"end":"2026-03-18T09:21:40.215000+08:00","text":"我在這個地方講過很多事情，其實我們不會去預測臺股的一些內容，因為我們是一個市場監理者。對。","quality":0.976},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:21:40.555000+08:00","guessed":false,"end":"2026-03-18T09:21:45.253000+08:00","text":"所以沒有辦法透過我這邊的觀察……","quality":1},{"speaker":"林委員德福","start":"2026-03-18T09:21:45.413000+08:00","guessed":false,"end":"2026-03-18T09:22:23.797000+08:00","text":"因為現在有很多因素，而且我們表面上看股市是史無前例的大牛市，但是本席在地方上聽到確實有許多股民哀號，因為現在臺股出現了跟我們總體經濟一樣K型化的趨勢，大盤指數往上衝都是靠幾檔AI科技股在衝，而這些傳統產業一般的小型股根本就沒有漲，這是賺了指數、賠了差價，散戶根本沒有享受到股市創新高的這些紅利，主委，你怎麼看呢？","quality":0.952},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:22:25.357000+08:00","guessed":false,"end":"2026-03-18T09:22:49.967000+08:00","text":"資本市場本來就是要謹慎投資、注意風險，一直都是這樣，跟指數的高低其實沒有太大的差別，這個都是一直要關注，至於產業結構跟資本市場發展，我們也有請交易所密切注意，比如說它的股價跟經營績效之間的一些關連程度，來看看是否能針對我們的資本市場效率性有什麼做法可以來提升，謝謝。","quality":0.911},{"speaker":"林委員德福","start":"2026-03-18T09:22:49.967000+08:00","guessed":true,"end":"2026-03-18T09:22:51.188000+08:00","text":"這樣喔！","quality":0},{"speaker":"林委員德福","start":"2026-03-18T09:22:51.188000+08:00","guessed":false,"end":"2026-03-18T09:23:01.535000+08:00","text":"我是希望一定要提醒大家，因為現在我們都是跟著美國股市在走，但是現在的局勢真的是很亂，要非常小心，謝謝。","quality":0.978},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:23:02.035000+08:00","guessed":true,"end":"2026-03-18T09:23:04.320714+08:00","text":"謝謝，謝謝委員。謝謝。","quality":0},{"speaker":"主席","start":"2026-03-18T09:23:04.620714+08:00","guessed":true,"end":"2026-03-18T09:23:10.335000+08:00","text":"請問在場各位委員，對上次的議事錄有沒有意見？","quality":0},{"speaker":"主席","start":"2026-03-18T09:23:10.635000+08:00","guessed":true,"end":"2026-03-18T09:23:13.492143+08:00","text":"（無）沒有意見，議事錄確定。","quality":0},{"speaker":"主席","start":"2026-03-18T09:23:13.792143+08:00","guessed":true,"end":"2026-03-18T09:23:17.792143+08:00","text":"下一位發言的委員請李彥秀委員。","quality":0}]}},"supported_relations":[],"relations":[]}