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那你看下一頁"},{"start":86.285,"end":108.802,"text":"這個現行的法規裡頭這個海外旅行的不便嫌這個部分你們的法規依據是你們經常會訂的這個個人海外旅行不便嫌的參考條款第二條有相關的法令它是說是包括搬機延誤行李延誤旅行文件損失取消旅程取消旅程更改然後行李損失你們的相關條第三條寫的是這樣子"},{"start":113.866,"end":129.311,"text":"零有營業執照經政府登記許可據固定場在一班次提供不特定的旅客運送之服務是包括水上路上及交通工具啊你們的這個法規裡頭是包括入海空的這個工具都包括嘛"},{"start":130.939,"end":145.842,"text":"那為什麼民眾如果法規是有包括水上工具那為什麼就船嘛民眾從廈門搭金門搭船回金門延誤也是去海外嘛沒有辦法申請搬機延誤保險那個是不是保險局可以比較來說明一下"},{"start":146.519,"end":169.772,"text":"是 報告委員 那個這裡講到的含水上 陸上 空中的這些在我們的海外旅遊的不便嫌裡頭是有包括那個航班的部分但是那個水上的部分船啊對 船的部分是國內為什麼不包括不是 出國不是指 去廈門就是離開中華民國的那個台灣地區境內嘛 對不對"},{"start":170.692,"end":189.253,"text":"那也算啦 你從 你不要坐船好了 你坐飛機你從台北到廈門嘛 松山到廈門有算嘛 對 因為你坐飛機可是因為交通工具的改變卻不包含那這樣是不是你的這個 有一點這個因為你原來的法規依據是有包含水 路 空都有啊"},{"start":191.468,"end":213.88,"text":"您了解我的意思嗎那第二個這個你去研究一下如果有問題的話是不是應該要修改因為可能當初在訂定的時候沒有小三通沒有坐船出國的例子有可能是這樣子大家都是坐飛機那小三通出國到大陸去這個是現在一個也很普遍應用的交通工具"},{"start":214.62,"end":241.299,"text":"所以的確會遇到這樣情形你們是不是要研究這個部分是不是應該要怎麼樣請保險公司來做這個機制的話要增加這個部分當然這個匯率保費什麼當然他們可以再去計算各方面對不對那因為這個也算是理由不變險的一個部分這個可能要改進這個部分我們可以再研究那第二個來有關這個在上一個這個搬機延誤和里程更改的這個部分這個搬機延誤這個是天災這個下一頁再下一頁"},{"start":245.263,"end":274.295,"text":"不是 來齁 這個 你看齁你們條款24條規定海外旅行期間遇到交通工具什麼罷工啊 戰爭啊 暴動 天災啦會有一些理賠嘛那天災比如說颱風算是 對吧颱風是天災 那為什麼農務不是呢這個在海外的那個旅行不便嫌裡頭這個部分是應該是有算那都算嘛 對不對那這個至少我看到case裡頭他申請理賠就說因為農務不算"},{"start":275.68,"end":291.091,"text":"包括你剛剛舉的那個例子我不是要為單一case說啦我說的是整體的情形嘛融入的話應該也是要算所以請你們齁就是這些例子齁這是其中一個例子但一定很多有發生所以這個部分請你們要具體的要做齁這個跟保險公會啦還有這個針對這個旅遊這個險的部分這個適用範圍包括水上的交通齁還有小山東船班這個整個納進來"},{"start":301.459,"end":303.321,"text":"因為很多的業務要運作到遇到真實的案例我們才知道我們的那個條款有沒有什麼可以來了解檢討"},{"start":326.243,"end":342.759,"text":"好 回去一個月內給我們報告你跟相關公會也討論一下喔準備來納入啦 那個費率應該怎麼樣你們大家都可以去討論一下這個老百姓是的確有這樣的需求第二個有關這個要在金融推動這個金融科技創新的一些目標這上回我已經問過了"},{"start":345.441,"end":371.025,"text":"就是說如果有旅客比如說從金門要到廈門去那我說電子支付的部分那電子支付的部分那大部分現在大部分都用微信支付嘛那我們台灣可能有什麼台灣Pay什麼這一類的那如果還要到那邊去下載到了大陸需要下載他們的什麼WeChat那大陸的旅客到金門來還要去下載什麼台灣Pay這個是在強能索來嘛事實上"},{"start":371.945,"end":394.792,"text":"也很難這樣做到那是不是有什麼方式就是說你們來推動這個跨境支付的一個至少如果沒有辦法現在拓展到台灣整個島台澎金馬地區市場在今夏往來比較密切用這個沙盒實驗的方式從這個地方開始來推動這包括當然技術QR Code怎麼轉接清算一些試點比如說"},{"start":396.152,"end":419.823,"text":"現在台灣接口這個支付現在可以到日本去掃碼支付嘛到日本就可以可以嘛那還有我知道好像有一個到韓國去也是可以嘛我說的是說像我們這樣的電子不要說每個單位人來這邊都用他們的微信然後都弄這個我們廠商都要去變成使用他們的微信的這個部分啦就最好他們來就可以直接"},{"start":420.783,"end":444.402,"text":"直接你們在這個這個金蝦之淵用個什麼樣的機制啊直接用跨境支付來做這個可以嗎沒問題因為我們的電子工會剛成立啦我們就請他來好好研議一下這個模式三個方式但是政府也第一個政府的政策啦政府政策當然要確定喔那如果要從實驗性質開始從金蝦來實驗開始也是一個方法嘛小範圍內你看"},{"start":448.201,"end":466.07,"text":"我們這裡的電子支付廠商就可以使用這些電子支付台灣人到大陸去就可以使用不用再去下載民眾的便利信那大陸人來也不用來用微信讓微信支付到處都是不用就用我們的什麼接口啊LINE啊什麼這一類的各式各樣的"},{"start":467.771,"end":478.1,"text":"還有很多國恩關心的資料安全性是 那這個部分也是要你們來 政府也要來做包括隱私 區塊鏈的存證 數據驗證中心什麼這些還有個資法 數據安全法這些都是要注意的兩岸的相關法規也要做來做一個相關的一些監理的接口那這個部分就是"},{"start":492.072,"end":518.742,"text":"兩岸的這個實驗區這個部分就可以來做可以嗎對我們請那個電子工會針對剛剛委員提到這樣那個比如支付從民眾便利性跟資料安全性的角度來看請他們演繹這樣的一個什麼方案好演繹出一個方法政策商當然你們要支持啦因為也是要上位的政策支持然後法規部分法規面如果什麼需要修改的或什麼需要兩岸來做一些溝通的話這些我們也我們能做我們也會協助啦"},{"start":519.262,"end":545.834,"text":"我們也會如果涉及到其他部會我們再去對那大概這個時間大概要多久呢我跟你講我們請電資公會延以後看他要大概多久再跟委員報告對請電資公會你們還是這是哪個單位負責呢銀行局啊也是銀行局負責是不是對因為電資是銀行局那政策的部分是你們這邊嘛那落實到具體的話是財經公司嗎還是這個延慶院啊是哪個單位在處理這個事情如果你想了解"},{"start":547.114,"end":551.797,"text":"應該跟財經公司有關我想說我們先對未來的這個現況了解再怎麼樣執行才會帶出是什麼單位相關要做一些調整等於說我現在就是可以請他研議看看但是我們就是已經請他們再做這個研議"},{"start":573.191,"end":577.133,"text":"我會請銀行局先去了解他大概現在的進程時程再跟委員報告"}],"gazette":[{"speaker":"陳委員玉珍","start":"2026-03-18T12:07:59+08:00","guessed":true,"end":"2026-03-18T12:08:00+08:00","text":"謝謝主席。","quality":0},{"speaker":"陳委員玉珍","start":"2026-03-18T12:08:00+08:00","guessed":true,"end":"2026-03-18T12:08:01+08:00","text":"請彭主委。","quality":0},{"speaker":"主席","start":"2026-03-18T12:08:01+08:00","guessed":true,"end":"2026-03-18T12:08:02+08:00","text":"請金管會彭主委。","quality":0},{"speaker":"陳委員玉珍","start":"2026-03-18T12:08:02+08:00","guessed":true,"end":"2026-03-18T12:08:03+08:00","text":"下面這個應該是保險局的事情。","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-18T12:08:03+08:00","guessed":true,"end":"2026-03-18T12:08:04+08:00","text":"委員好。","quality":0},{"speaker":"陳委員玉珍","start":"2026-03-18T12:08:00.766000+08:00","guessed":false,"end":"2026-03-18T12:08:26.367000+08:00","text":"我們說人民的小事就是政府的大事，在保險法部分，大家現在出國時，很多人都會保旅遊不便險，到海外會嘛！","quality":0.864},{"speaker":"陳委員玉珍","start":"2026-03-18T12:08:27.708000+08:00","guessed":false,"end":"2026-03-18T12:08:36.933000+08:00","text":"在國內旅遊也一樣，像是金門地區，如果飛到金門時天氣起霧……今天又起霧、沒有飛啊！","quality":0.912},{"speaker":"陳委員玉珍","start":"2026-03-18T12:08:37.234000+08:00","guessed":false,"end":"2026-03-18T12:08:39.775000+08:00","text":"這樣的話，如果有旅平險當然有很大的助益嘛！","quality":0.526},{"speaker":"陳委員玉珍","start":"2026-03-18T12:08:40.436000+08:00","guessed":false,"end":"2026-03-18T12:08:40.996000+08:00","text":"海外也是吧！","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-18T12:08:41.296000+08:00","guessed":false,"end":"2026-03-18T12:08:43.057000+08:00","text":"海外也有旅遊不便險嘛！對。","quality":0.727},{"speaker":"陳委員玉珍","start":"2026-03-18T12:08:45.559000+08:00","guessed":false,"end":"2026-03-18T12:08:48.421000+08:00","text":"去廈門算出國嗎？啊？","quality":0.875},{"speaker":"陳委員玉珍","start":"2026-03-18T12:08:48.421000+08:00","guessed":false,"end":"2026-03-18T12:08:49.782000+08:00","text":"去廈門，算海外嘛！對。算嘛！對。","quality":0.545},{"speaker":"陳委員玉珍","start":"2026-03-18T12:08:51.643000+08:00","guessed":false,"end":"2026-03-18T12:08:56.066000+08:00","text":"那請問，關於海外不便險，有民眾向我們反映，我就舉這個例子給你聽。","quality":0.821},{"speaker":"陳委員玉珍","start":"2026-03-18T12:08:56.066000+08:00","guessed":false,"end":"2026-03-18T12:09:05.072000+08:00","text":"他到廈門，要從廈門搭船，小三通是坐船，不是坐飛機，然後要再回到金門，搭飛機回臺中。","quality":0.886},{"speaker":"陳委員玉珍","start":"2026-03-18T12:09:05.892000+08:00","guessed":false,"end":"2026-03-18T12:09:21.003000+08:00","text":"因為颱風導致船班、飛機都停駛，就滯留了很多天，但他申請旅平險的時候被拒絕，因為保險公司主張保單保障範圍僅限於飛機，不包括船運等其他交通工具。","quality":0.953},{"speaker":"陳委員玉珍","start":"2026-03-18T12:09:25.285000+08:00","guessed":false,"end":"2026-03-18T12:09:46.741000+08:00","text":"現行法規裡頭，海外旅行不便險的法規依據是你們金管會訂的個人海外旅行不便保險參考條款，第二條有相關法令，它說包括班機延誤、行李延誤、旅行文件損失、旅程取消、旅程更改、行李損失。","quality":0.923},{"speaker":"陳委員玉珍","start":"2026-03-18T12:09:47.482000+08:00","guessed":false,"end":"2026-03-18T12:09:47.782000+08:00","text":"相關條款第三條寫的是這樣喔！","quality":0.846},{"speaker":"陳委員玉珍","start":"2026-03-18T12:09:53.166000+08:00","guessed":false,"end":"2026-03-18T12:10:03.429000+08:00","text":"「領有營業執照，經政府登記許可，且具備固定場站與班次，提供不特定旅客運送之服務……包括水上、陸上等交通工具」啊！","quality":0.83},{"speaker":"陳委員玉珍","start":"2026-03-18T12:10:04.730000+08:00","guessed":false,"end":"2026-03-18T12:10:08.291000+08:00","text":"你們這個法規裡頭是陸、海、空交通工具都包括嘛！","quality":0.85},{"speaker":"陳委員玉珍","start":"2026-03-18T12:10:11.401000+08:00","guessed":false,"end":"2026-03-18T12:10:14.566000+08:00","text":"如果一個法規包括水上工具，也就是船嘛！","quality":0.765},{"speaker":"陳委員玉珍","start":"2026-03-18T12:10:15.227000+08:00","guessed":false,"end":"2026-03-18T12:10:20.996000+08:00","text":"那麼民眾從廈門搭船回金門延誤，也是去海外，為什麼沒有辦法申請班機延誤保險？","quality":0.824},{"speaker":"陳委員玉珍","start":"2026-03-18T12:10:22.699000+08:00","guessed":false,"end":"2026-03-18T12:10:24.822000+08:00","text":"保險局是不是可以說明一下？","quality":0.75},{"speaker":"王局長麗惠","start":"2026-03-18T12:10:25.779000+08:00","guessed":false,"end":"2026-03-18T12:10:39.747000+08:00","text":"報告委員，關於這裡講到含水上、陸上、空中這些，海外旅遊不便險裡頭有包含航班，但是水上部分……船啦！對……","quality":0.881},{"speaker":"陳委員玉珍","start":"2026-03-18T12:10:39.747000+08:00","guessed":true,"end":"2026-03-18T12:10:40.747000+08:00","text":"那為什麼不包括？","quality":0},{"speaker":"王局長麗惠","start":"2026-03-18T12:10:39.747000+08:00","guessed":false,"end":"2026-03-18T12:10:40.387000+08:00","text":"船的部分是國內。","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-18T12:10:43.449000+08:00","guessed":false,"end":"2026-03-18T12:10:48.772000+08:00","text":"出國不是指……去廈門就是離開中華民國臺灣地區境內，對不對？","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-18T12:10:49.692000+08:00","guessed":false,"end":"2026-03-18T12:10:50.333000+08:00","text":"那也算啊！","quality":0.75},{"speaker":"陳委員玉珍","start":"2026-03-18T12:10:51.794000+08:00","guessed":false,"end":"2026-03-18T12:10:57.621000+08:00","text":"不要坐船好了，坐飛機，從臺北到廈門、從松山到廈門算嘛！","quality":0.957},{"speaker":"陳委員玉珍","start":"2026-03-18T12:10:57.981000+08:00","guessed":false,"end":"2026-03-18T12:10:58.782000+08:00","text":"對不對，因為坐飛機？是的。","quality":0.6},{"speaker":"陳委員玉珍","start":"2026-03-18T12:10:58.782000+08:00","guessed":false,"end":"2026-03-18T12:11:01.105000+08:00","text":"可是因為交通工具的改變就不包含？","quality":0.933},{"speaker":"陳委員玉珍","start":"2026-03-18T12:11:01.966000+08:00","guessed":false,"end":"2026-03-18T12:11:08.233000+08:00","text":"那是不是有一點……因為原來的法規依據是包含水、陸、空，都有啊！","quality":0.96},{"speaker":"陳委員玉珍","start":"2026-03-18T12:11:10.468000+08:00","guessed":false,"end":"2026-03-18T12:11:12.249000+08:00","text":"您了解我的意思嗎？","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-18T12:11:13.950000+08:00","guessed":false,"end":"2026-03-18T12:11:19.833000+08:00","text":"這點你去研究一下，如果有問題的話，是不是應該修改？","quality":0.955},{"speaker":"陳委員玉珍","start":"2026-03-18T12:11:20.513000+08:00","guessed":false,"end":"2026-03-18T12:11:32.860000+08:00","text":"可能當初訂定的時候沒有小三通、沒有坐船出國的例子，有可能因為這樣，大家都坐飛機，但現在透過小三通出國、到大陸去也是很普遍應用的交通工具嘛！","quality":0.857},{"speaker":"陳委員玉珍","start":"2026-03-18T12:11:33.620000+08:00","guessed":false,"end":"2026-03-18T12:11:35.501000+08:00","text":"所以的確會遇到這樣的情形，你們是不是要研究？","quality":0.95},{"speaker":"陳委員玉珍","start":"2026-03-18T12:11:36.682000+08:00","guessed":false,"end":"2026-03-18T12:11:41.186000+08:00","text":"是不是應該請保險公司研究在機制中怎麼增加這個部分？","quality":0.75},{"speaker":"陳委員玉珍","start":"2026-03-18T12:11:41.846000+08:00","guessed":false,"end":"2026-03-18T12:11:44.688000+08:00","text":"當然，針對費率、保費等各方面，他們可以再計算啊！","quality":0.6},{"speaker":"陳委員玉珍","start":"2026-03-18T12:11:46.670000+08:00","guessed":false,"end":"2026-03-18T12:11:50.772000+08:00","text":"這也算是旅遊不便險的一部分，可能要改進啦！","quality":0.789},{"speaker":"王局長麗惠","start":"2026-03-18T12:11:50.772000+08:00","guessed":false,"end":"2026-03-18T12:11:51.553000+08:00","text":"謝謝委員，這部分我們可以再研究。","quality":0.714},{"speaker":"陳委員玉珍","start":"2026-03-18T12:11:52.133000+08:00","guessed":false,"end":"2026-03-18T12:12:14.767000+08:00","text":"第二，有關班機延誤和旅程更改，針對班機因天災延誤，你們的條款第二十四條規定，海外旅行期間遇到交通工具罷工、戰爭、暴動、天災，會有一些理賠。","quality":0.783},{"speaker":"陳委員玉珍","start":"2026-03-18T12:12:16.288000+08:00","guessed":false,"end":"2026-03-18T12:12:18.189000+08:00","text":"天災中，颱風算是，對吧？","quality":0.889},{"speaker":"陳委員玉珍","start":"2026-03-18T12:12:19.089000+08:00","guessed":false,"end":"2026-03-18T12:12:19.609000+08:00","text":"颱風是天災。","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-18T12:12:19.609000+08:00","guessed":false,"end":"2026-03-18T12:12:20.770000+08:00","text":"那為什麼濃霧不是呢？","quality":0.778},{"speaker":"王局長麗惠","start":"2026-03-18T12:12:22.230000+08:00","guessed":false,"end":"2026-03-18T12:12:26.552000+08:00","text":"在海外旅行不便險裡頭，這部分應該算。","quality":0.938},{"speaker":"陳委員玉珍","start":"2026-03-18T12:12:27.312000+08:00","guessed":false,"end":"2026-03-18T12:12:27.673000+08:00","text":"都算嘛！","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-18T12:12:27.993000+08:00","guessed":false,"end":"2026-03-18T12:12:28.593000+08:00","text":"對不對？是的。","quality":0.6},{"speaker":"陳委員玉珍","start":"2026-03-18T12:12:29.773000+08:00","guessed":false,"end":"2026-03-18T12:12:33.275000+08:00","text":"但至少在我看到這個case裡頭，他申請理賠，業者卻說因為是濃霧，不算。","quality":0.677},{"speaker":"王局長麗惠","start":"2026-03-18T12:12:35.761000+08:00","guessed":false,"end":"2026-03-18T12:12:36.341000+08:00","text":"報告委員，您剛剛舉的這個例子……","quality":0.538},{"speaker":"陳委員玉珍","start":"2026-03-18T12:12:36.481000+08:00","guessed":false,"end":"2026-03-18T12:12:37.963000+08:00","text":"我不是要為單一case說啦！","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-18T12:12:38.283000+08:00","guessed":false,"end":"2026-03-18T12:12:41.885000+08:00","text":"我說的是整體情形，濃霧應該也要算嘛！","quality":0.812},{"speaker":"王局長麗惠","start":"2026-03-18T12:12:41.885000+08:00","guessed":true,"end":"2026-03-18T12:12:42.885000+08:00","text":"對，海外旅遊是。","quality":0},{"speaker":"陳委員玉珍","start":"2026-03-18T12:12:42.126000+08:00","guessed":false,"end":"2026-03-18T12:12:50.091000+08:00","text":"所以請你們就這些例子……這是其中一例，一定很多人會發生，請你們要具體做好，跟保險公會針對旅遊險的適用範圍，把水上交通、小三通船班整個納進來，應該要的費率等當然都是可以討論的。","quality":0.718},{"speaker":"陳委員玉珍","start":"2026-03-18T12:12:50.091000+08:00","guessed":true,"end":"2026-03-18T12:12:55.275000+08:00","text":"還有濃霧部分，因為金廈之間、臺金之間當然都是霧比較多，颱風的影響稍微少一點啦！","quality":0},{"speaker":"陳委員玉珍","start":"2026-03-18T12:12:55.275000+08:00","guessed":true,"end":"2026-03-18T12:13:00.459000+08:00","text":"請你們回去研究給我們。","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-18T12:13:00.459000+08:00","guessed":false,"end":"2026-03-18T12:13:02.321000+08:00","text":"可以，謝謝委員提供，因為很多業務都要運作到遇到真實案例，我們才知道條款有沒有什麼可以了解及檢討的地方，我請保險局處理。","quality":0.63},{"speaker":"陳委員玉珍","start":"2026-03-18T12:13:25.243000+08:00","guessed":false,"end":"2026-03-18T12:13:26.945000+08:00","text":"好，回去一個月內給我們報告。","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-18T12:13:27.125000+08:00","guessed":false,"end":"2026-03-18T12:13:29.787000+08:00","text":"你跟相關公會討論一下怎麼納入啦！","quality":0.867},{"speaker":"陳委員玉珍","start":"2026-03-18T12:13:30.508000+08:00","guessed":false,"end":"2026-03-18T12:13:32.290000+08:00","text":"費率應該怎麼樣，你們大家都可以討論一下。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T12:13:32.290000+08:00","guessed":true,"end":"2026-03-18T12:13:34.231000+08:00","text":"對，包括合理性等，再作評估。","quality":0},{"speaker":"陳委員玉珍","start":"2026-03-18T12:13:34.231000+08:00","guessed":false,"end":"2026-03-18T12:13:35.773000+08:00","text":"對，老百姓的確有這樣的需求。","quality":0.917},{"speaker":"陳委員玉珍","start":"2026-03-18T12:13:36.293000+08:00","guessed":false,"end":"2026-03-18T12:13:50.947000+08:00","text":"第二，關於要在金門推動金融科技創新的目標，上回我已經問過了，我是針對如果有旅客要從金門到廈門去詢問電子支付問題。","quality":0.808},{"speaker":"陳委員玉珍","start":"2026-03-18T12:13:52.068000+08:00","guessed":false,"end":"2026-03-18T12:13:55.211000+08:00","text":"在電子支付部分，大陸現在大部分都用微信支付，臺灣則有Taiwan……","quality":0.7},{"speaker":"彭主任委員金隆","start":"2026-03-18T12:13:56.732000+08:00","guessed":false,"end":"2026-03-18T12:13:58.454000+08:00","text":"TaiwanPay。","quality":0.333},{"speaker":"陳委員玉珍","start":"2026-03-18T12:13:58.974000+08:00","guessed":false,"end":"2026-03-18T12:13:59.135000+08:00","text":"TaiwanPay這一類的。","quality":0.308},{"speaker":"陳委員玉珍","start":"2026-03-18T12:14:00.456000+08:00","guessed":false,"end":"2026-03-18T12:14:09.744000+08:00","text":"如果到了大陸需要下載他們的WeChat，大陸旅客到金門來要下載TaiwanPay，這是強人所難嘛！","quality":0.804},{"speaker":"陳委員玉珍","start":"2026-03-18T12:14:09.905000+08:00","guessed":false,"end":"2026-03-18T12:14:11.985000+08:00","text":"事實上也很難這樣做到。","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-18T12:14:12.566000+08:00","guessed":false,"end":"2026-03-18T12:14:13.726000+08:00","text":"那麼有沒有什麼方式？","quality":0.667},{"speaker":"陳委員玉珍","start":"2026-03-18T12:14:14.446000+08:00","guessed":false,"end":"2026-03-18T12:14:16.847000+08:00","text":"就是由你們推動跨境支付。","quality":0.909},{"speaker":"陳委員玉珍","start":"2026-03-18T12:14:18.387000+08:00","guessed":false,"end":"2026-03-18T12:14:29.330000+08:00","text":"如果現在沒有辦法拓展到整個臺灣整個島、臺澎金馬地區，但是至少要在金廈這些往來比較密切的地區用沙盒實驗的方式，從這個地方開始推動。","quality":0.733},{"speaker":"陳委員玉珍","start":"2026-03-18T12:14:29.330000+08:00","guessed":false,"end":"2026-03-18T12:14:40.755000+08:00","text":"當然這包括技術：QR Code怎麼轉接、清算、一些試點，譬如說現在臺灣的街口支付可以到日本掃碼支付，到日本就可以嘛！","quality":0.902},{"speaker":"陳委員玉珍","start":"2026-03-18T12:14:41.755000+08:00","guessed":false,"end":"2026-03-18T12:14:46.437000+08:00","text":"還有據我所知，不知道是不是LINE Pay，到韓國去也可以用嘛！","quality":0.464},{"speaker":"陳委員玉珍","start":"2026-03-18T12:14:46.997000+08:00","guessed":false,"end":"2026-03-18T12:15:07.309000+08:00","text":"我不是要求因應每個大陸人來這邊，都要用他們的微信、我們的廠商都變成要使用他們的微信，而是最好他們來就可以直接使用你們在金廈之間所設計什麼樣的機制，直接以跨境支付來做，這樣可以嗎？","quality":0.759},{"speaker":"彭主任委員金隆","start":"2026-03-18T12:15:07.309000+08:00","guessed":false,"end":"2026-03-18T12:15:11.372000+08:00","text":"沒問題，電支公會剛成立，我們就請他們好好研議一下。是。","quality":0.826},{"speaker":"陳委員玉珍","start":"2026-03-18T12:15:13.354000+08:00","guessed":false,"end":"2026-03-18T12:15:18.238000+08:00","text":"這個模式有三個方式，但第一步是政府政策，政府政策當然要確定。","quality":0.852},{"speaker":"陳委員玉珍","start":"2026-03-18T12:15:18.958000+08:00","guessed":false,"end":"2026-03-18T12:15:23.001000+08:00","text":"如果要從實驗性質開始，那麼從金廈實驗開始也是一種方法嘛！","quality":0.846},{"speaker":"陳委員玉珍","start":"2026-03-18T12:15:23.181000+08:00","guessed":false,"end":"2026-03-18T12:15:35.905000+08:00","text":"在小範圍內，臺灣人到大陸去就可以使用我們這裡的電子支付廠商，不用再下載大陸的軟體。","quality":0.553},{"speaker":"彭主任委員金隆","start":"2026-03-18T12:15:35.905000+08:00","guessed":false,"end":"2026-03-18T12:15:36.546000+08:00","text":"我知道，委員是關心民眾的便利性。","quality":0.357},{"speaker":"陳委員玉珍","start":"2026-03-18T12:15:37.946000+08:00","guessed":false,"end":"2026-03-18T12:15:41.448000+08:00","text":"對，大陸人來也不必用微信支付、讓微信支付到處都是，不用！","quality":0.833},{"speaker":"陳委員玉珍","start":"2026-03-18T12:15:41.848000+08:00","guessed":false,"end":"2026-03-18T12:15:45.050000+08:00","text":"就用我們的街口、LINE Pay等各式各樣的支付工具。","quality":0.625},{"speaker":"彭主任委員金隆","start":"2026-03-18T12:15:46.771000+08:00","guessed":false,"end":"2026-03-18T12:15:48.533000+08:00","text":"對，除了便利性，還涉及很多國人關心的資料安全性啦！","quality":0.545},{"speaker":"陳委員玉珍","start":"2026-03-18T12:15:49.534000+08:00","guessed":false,"end":"2026-03-18T12:15:52.016000+08:00","text":"對，這部分也要由政府做嘛！","quality":0.727},{"speaker":"陳委員玉珍","start":"2026-03-18T12:15:52.356000+08:00","guessed":false,"end":"2026-03-18T12:15:56.200000+08:00","text":"包括隱私、區塊鏈的存證、數據驗證中心等，還有個資法、數據安全法，這些都是要注意的，兩岸相關法規也要做吧？","quality":0.956},{"speaker":"陳委員玉珍","start":"2026-03-18T12:15:56.220000+08:00","guessed":false,"end":"2026-03-18T12:15:56.660000+08:00","text":"要做一些監理的接口嘛！","quality":0.8},{"speaker":"陳委員玉珍","start":"2026-03-18T12:15:56.800000+08:00","guessed":false,"end":"2026-03-18T12:16:14.093000+08:00","text":"這個部分兩岸實驗區就可以做，可以嗎？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T12:16:14.093000+08:00","guessed":false,"end":"2026-03-18T12:16:24.637000+08:00","text":"我們請電支公會針對剛剛委員所提這樣的支付，從民眾便利性跟資料安全性的角度看看要研議什麼方案。","quality":0.818},{"speaker":"陳委員玉珍","start":"2026-03-18T12:16:25.037000+08:00","guessed":false,"end":"2026-03-18T12:16:25.938000+08:00","text":"好，研議出一個方法。","quality":0.75},{"speaker":"陳委員玉珍","start":"2026-03-18T12:16:26.238000+08:00","guessed":false,"end":"2026-03-18T12:16:27.718000+08:00","text":"在政策上，你們當然也要支持啦！","quality":0.615},{"speaker":"陳委員玉珍","start":"2026-03-18T12:16:27.878000+08:00","guessed":false,"end":"2026-03-18T12:16:29.419000+08:00","text":"因為也需要上位政策的支持。","quality":0.833},{"speaker":"陳委員玉珍","start":"2026-03-18T12:16:31.179000+08:00","guessed":false,"end":"2026-03-18T12:16:37.722000+08:00","text":"法規面如果有什麼需要修改的或有什麼需要兩岸溝通的話，若我們能做，我們也會協助啦！","quality":0.919},{"speaker":"彭主任委員金隆","start":"2026-03-18T12:16:38.722000+08:00","guessed":false,"end":"2026-03-18T12:16:40.723000+08:00","text":"如果涉及其他部會，我們也會去研商。對。","quality":0.75},{"speaker":"陳委員玉珍","start":"2026-03-18T12:16:40.723000+08:00","guessed":false,"end":"2026-03-18T12:16:42.304000+08:00","text":"那時間大概要多久呢？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T12:16:43.484000+08:00","guessed":false,"end":"2026-03-18T12:16:47.986000+08:00","text":"我們請電支公會研議，看他們需要多久，我們再向委員報告。","quality":0.667},{"speaker":"陳委員玉珍","start":"2026-03-18T12:16:48.427000+08:00","guessed":false,"end":"2026-03-18T12:16:50.307000+08:00","text":"對，請電支公會還是……這是哪個單位負責呢？","quality":0.941},{"speaker":"彭主任委員金隆","start":"2026-03-18T12:16:51.068000+08:00","guessed":false,"end":"2026-03-18T12:16:51.248000+08:00","text":"銀行局。","quality":1},{"speaker":"陳委員玉珍","start":"2026-03-18T12:16:52.108000+08:00","guessed":false,"end":"2026-03-18T12:16:53.589000+08:00","text":"也是銀行局負責是不是？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T12:16:53.749000+08:00","guessed":false,"end":"2026-03-18T12:16:54.429000+08:00","text":"對，因為電支是銀行局的業務。","quality":0.667},{"speaker":"陳委員玉珍","start":"2026-03-18T12:16:55.110000+08:00","guessed":false,"end":"2026-03-18T12:16:56.250000+08:00","text":"政策是在你們這邊嘛！","quality":0.889},{"speaker":"陳委員玉珍","start":"2026-03-18T12:16:56.710000+08:00","guessed":false,"end":"2026-03-18T12:17:00.492000+08:00","text":"那麼到具體落實的話是財金公司嗎？","quality":0.733},{"speaker":"陳委員玉珍","start":"2026-03-18T12:17:00.492000+08:00","guessed":false,"end":"2026-03-18T12:17:01.372000+08:00","text":"還是研訓院？","quality":0.6},{"speaker":"陳委員玉珍","start":"2026-03-18T12:17:01.732000+08:00","guessed":false,"end":"2026-03-18T12:17:04.814000+08:00","text":"是哪個單位處理這件事，如果我們想了解？","quality":0.824},{"speaker":"彭主任委員金隆","start":"2026-03-18T12:17:06.114000+08:00","guessed":false,"end":"2026-03-18T12:17:06.835000+08:00","text":"應該跟財金公司有關。","quality":0.889},{"speaker":"陳委員玉珍","start":"2026-03-18T12:17:06.835000+08:00","guessed":true,"end":"2026-03-18T12:17:07.835000+08:00","text":"財金公司是央行的，那你們是不是要跨部會處理？","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-18T12:17:06.835000+08:00","guessed":false,"end":"2026-03-18T12:17:07.856000+08:00","text":"我想我們先對現況加以了解，再來是怎麼執行，才會帶出與什麼單位相關、要做一些調整。","quality":0.861},{"speaker":"陳委員玉珍","start":"2026-03-18T12:17:07.856000+08:00","guessed":true,"end":"2026-03-18T12:17:08.856000+08:00","text":"好，那多久時間以後可以給我這樣的答案、初步的答案？","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-18T12:17:08.116000+08:00","guessed":false,"end":"2026-03-18T12:17:09.357000+08:00","text":"我現在可以請他們研議看看……","quality":0.917},{"speaker":"陳委員玉珍","start":"2026-03-18T12:17:09.357000+08:00","guessed":true,"end":"2026-03-18T12:17:10.357000+08:00","text":"我上次就問過了，也不是第一次問了。","quality":0.067},{"speaker":"彭主任委員金隆","start":"2026-03-18T12:17:09.817000+08:00","guessed":false,"end":"2026-03-18T12:17:36.113000+08:00","text":"我們已經請他們研議，我也會請銀行局先了解他們現在的大概進程、時程，再向委員報告。","quality":0.861},{"speaker":"陳委員玉珍","start":"2026-03-18T12:17:36.613000+08:00","guessed":true,"end":"2026-03-18T12:17:39.470143+08:00","text":"好，多久會讓我知道答案？","quality":0},{"speaker":"陳委員玉珍","start":"2026-03-18T12:17:39.770143+08:00","guessed":true,"end":"2026-03-18T12:17:46.341571+08:00","text":"我上次問過了、半年前已經問過了，多久可以給我答案呢？","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-18T12:17:46.641571+08:00","guessed":true,"end":"2026-03-18T12:17:48.070143+08:00","text":"下禮拜我們……","quality":0},{"speaker":"陳委員玉珍","start":"2026-03-18T12:17:48.370143+08:00","guessed":true,"end":"2026-03-18T12:17:53.513000+08:00","text":"到我辦公室跟我們討論相關進展喔？好。謝謝。","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-18T12:17:53.813000+08:00","guessed":true,"end":"2026-03-18T12:17:54.955857+08:00","text":"謝謝委員。","quality":0},{"speaker":"主席","start":"2026-03-18T12:17:55.255857+08:00","guessed":true,"end":"2026-03-18T12:17:58.398714+08:00","text":"下一位請鄭正鈐委員質詢。","quality":0}]}},"supported_relations":[],"relations":[]}