{"error":false,"id":["170211"],"data":{"IVOD_ID":170211,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/170211","日期":"2026-07-01","會議資料":{"會議代碼":"委員會-11-5-20-20","會議代碼:str":"第11屆第5會期財政委員會第20次全體委員會議","屆":11,"會期":5,"會次":20,"臨時會會次":null,"種類":"委員會","委員會代碼":[20],"委員會代碼:str":["財政委員會"],"標題":"第11屆第5會期財政委員會第20次全體委員會議"},"影片種類":"Clip","開始時間":"2026-07-01T10:34:58+08:00","結束時間":"2026-07-01T10:46:02+08:00","影片長度":"00:11:04","支援功能":["ai-transcript"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/10566d69eaf1b9ac1dcd60ec77038563ca9306fd69d22fc081ccc59e5c68641726c4e24d5983e9f25ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"李彥秀","委員發言時間":"10:34:58 - 10:46:02","會議時間":"2026-07-01T09:00:00+08:00","會議名稱":"立法院第11屆第5會期財政委員會第20次全體委員會議（事由：一、彙總整理提出「中華民國115年度中央政府總預算案審查總報告（公務預算部分）草案」提報院會案。\n二、彙總整理提出「中華民國115年度中央政府總預算案附屬單位預算營業及非營業部分審查總報告草案」提報院會案。\n三、審查本院委員吳秉叡等20人擬具「會計師法部分條文修正草案」案。（詢答及處理）\n四、審查本院委員吳秉叡等21人、委員李彥秀等18人分別擬具「證券交易稅條例第二條之一條文修正草案」等2案。（僅詢答）\n【7月1日及2日二天一次會】）","transcript":{"pyannote":[{"speaker":"SPEAKER_02","start":0.03096875,"end":1.0265937500000002},{"speaker":"SPEAKER_02","start":1.24596875,"end":4.03034375},{"speaker":"SPEAKER_01","start":7.7428437500000005,"end":10.56096875},{"speaker":"SPEAKER_02","start":10.915343750000002,"end":12.484718750000003},{"speaker":"SPEAKER_02","start":17.395343750000002,"end":17.445968750000002},{"speaker":"SPEAKER_01","start":17.445968750000002,"end":17.58096875},{"speaker":"SPEAKER_02","start":17.58096875,"end":17.73284375},{"speaker":"SPEAKER_01","start":18.137843750000002,"end":62.687843750000006},{"speaker":"SPEAKER_00","start":58.51971875,"end":59.430968750000005},{"speaker":"SPEAKER_01","start":63.17721875,"end":107.06909375000001},{"speaker":"SPEAKER_00","start":68.72909375,"end":69.08346875000001},{"speaker":"SPEAKER_00","start":92.43846875000001,"end":92.67471875000001},{"speaker":"SPEAKER_01","start":107.54159375,"end":108.04784375000001},{"speaker":"SPEAKER_01","start":108.57096875,"end":109.09409375000001},{"speaker":"SPEAKER_01","start":110.29221875,"end":120.78846875},{"speaker":"SPEAKER_02","start":120.41721875,"end":120.50159375000001},{"speaker":"SPEAKER_02","start":120.51846875000001,"end":120.61971875},{"speaker":"SPEAKER_02","start":120.78846875,"end":125.69909375},{"speaker":"SPEAKER_01","start":121.37909375000001,"end":121.90221875},{"speaker":"SPEAKER_01","start":126.25596875000001,"end":135.09846875},{"speaker":"SPEAKER_02","start":128.21346875,"end":128.41596875000002},{"speaker":"SPEAKER_01","start":135.72284375,"end":147.75471875000002},{"speaker":"SPEAKER_01","start":148.14284375,"end":160.49534375000002},{"speaker":"SPEAKER_01","start":160.54596875000001,"end":161.92971875},{"speaker":"SPEAKER_01","start":162.31784375,"end":166.16534375},{"speaker":"SPEAKER_02","start":166.85721875000002,"end":172.88159375},{"speaker":"SPEAKER_02","start":173.50596875000002,"end":174.01221875000002},{"speaker":"SPEAKER_02","start":174.53534375,"end":178.50096875},{"speaker":"SPEAKER_01","start":177.74159375000002,"end":181.09971875000002},{"speaker":"SPEAKER_02","start":178.77096875,"end":179.10846875000001},{"speaker":"SPEAKER_01","start":181.74096875,"end":204.20159375},{"speaker":"SPEAKER_02","start":201.72096875000003,"end":203.20596875},{"speaker":"SPEAKER_02","start":203.88096875000002,"end":231.31971875000002},{"speaker":"SPEAKER_01","start":231.18471875,"end":251.50221875000003},{"speaker":"SPEAKER_00","start":242.86221875,"end":244.09409375},{"speaker":"SPEAKER_00","start":245.00534375,"end":245.51159375},{"speaker":"SPEAKER_01","start":251.95784375000002,"end":294.28034375000004},{"speaker":"SPEAKER_00","start":260.09159375,"end":260.10846875000004},{"speaker":"SPEAKER_02","start":260.10846875000004,"end":260.96909375},{"speaker":"SPEAKER_00","start":260.96909375,"end":262.57221875},{"speaker":"SPEAKER_00","start":266.58846875,"end":266.92596875000004},{"speaker":"SPEAKER_01","start":294.53346875,"end":312.47159375},{"speaker":"SPEAKER_02","start":312.89346875,"end":318.27659375},{"speaker":"SPEAKER_01","start":314.07471875000005,"end":314.09159375},{"speaker":"SPEAKER_00","start":314.09159375,"end":314.14221875000004},{"speaker":"SPEAKER_01","start":314.14221875000004,"end":314.20971875000004},{"speaker":"SPEAKER_00","start":314.20971875000004,"end":314.24346875000003},{"speaker":"SPEAKER_01","start":314.24346875000003,"end":314.27721875000003},{"speaker":"SPEAKER_00","start":314.27721875000003,"end":314.29409375},{"speaker":"SPEAKER_00","start":318.27659375,"end":318.42846875000004},{"speaker":"SPEAKER_02","start":318.42846875000004,"end":318.52971875000003},{"speaker":"SPEAKER_00","start":319.25534375,"end":355.63784375},{"speaker":"SPEAKER_01","start":355.80659375000005,"end":433.33034375000005},{"speaker":"SPEAKER_00","start":401.53784375000004,"end":401.90909375},{"speaker":"SPEAKER_00","start":405.11534375,"end":405.72284375000004},{"speaker":"SPEAKER_01","start":433.75221875000005,"end":435.28784375000004},{"speaker":"SPEAKER_01","start":436.16534375000003,"end":460.53284375000004},{"speaker":"SPEAKER_02","start":457.76534375000006,"end":457.86659375000005},{"speaker":"SPEAKER_01","start":460.90409375,"end":464.29596875000004},{"speaker":"SPEAKER_01","start":464.63346875,"end":465.19034375},{"speaker":"SPEAKER_02","start":465.47721875,"end":470.99534375},{"speaker":"SPEAKER_02","start":471.43409375000005,"end":475.80471875},{"speaker":"SPEAKER_02","start":476.27721875000003,"end":478.18409375000005},{"speaker":"SPEAKER_02","start":478.63971875000004,"end":484.00596875},{"speaker":"SPEAKER_02","start":484.39409375,"end":497.35409375},{"speaker":"SPEAKER_01","start":496.93221875,"end":557.057843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Home的P錢包被害AI的整個內容海嘯全球非常的焦慮也就是說我們現在量子運算快速發展但是在國際上很多都普遍認為未來這整個我們的公藥的加密可能會遭破解"},{"start":44.705,"end":62.387,"text":"所以這一塊當然也是在我們金融行業在金管的部分我覺得我們都應該高度關注的地方但我也非常高興我也看到我們金管會在6月份已經發布了PQC的牽引的指引但是我還是非常關注就是說雖然我們發布但我們有"},{"start":63.268,"end":82.481,"text":"一定既定的時程但我們都知道其實量子電腦發展得非常快速我更擔心的就是說我們發布的那個時程是不是跟得上因為民間這些駭客無所不在他們我們發展我們雖然他們快速的在發展量子運算快速在發展但是這些駭客背後也不斷的在破解"},{"start":83.041,"end":107.833,"text":"就是先收集後解密這個其實這是他們的策略跟步驟我都可以想我們料底必須重寬嘛我想你也同意我的說法那金融安全也是國家的安全資安就是金融的競爭力我們政府包括我們金管會也應該必須以更具體的時程跟成果包括來帶領我們金融業相關行業來完成後續量子的轉型所以主委"},{"start":110.336,"end":125.525,"text":"包括這些金融包括這些CBOM這些東西其實在金融行業的基礎管理資安的管理其實也是我們金管會主要的業務是非常重要的一個我們所要處理的事情"},{"start":126.905,"end":146.797,"text":"也是你主要的業務所以主委我非常關心就是說現在不是金融海嘯未來的AI海嘯料底重寬有可能來我們的錢因為我現在沒看到下年度的預算馬上可能下個月有可能要升送進來之後要升我們有沒有編列相關的預算"},{"start":148.388,"end":165.851,"text":"我知道我們整個金管會底下人力部件都很完整但是上一次我記得我有質詢過在AI資安的人才這一塊管理我們人才是不是招得到人你有沒有相關的組織裡面有沒有增加這部分的人力錢有沒有"},{"start":167.032,"end":180.688,"text":"這跟委員說明這也是我們很大的困難點因為我們現在的這樣一個那個薪資結構但是我們同仁很認真我知道同仁很認真但是 諸位"},{"start":181.989,"end":199.061,"text":"類似像這樣的狀況一而再 再而三的發生這個就是在整個資安上包括後量子時代我們政府怎麼樣帶領包括我們公股銀行可以先要求來做這個就是量子未來後續的這種"},{"start":200.962,"end":229.579,"text":"我覺得我們應該速度要更快才對就是說我們現在在我們在金融監理有個很好的地方就是除了政府以外我們跟這個這個金融機構有很密切的協力因為這個資安的部分很多的資源可能政府這邊可以跟他們做個互補來做所以我們在像我們很多的資安藍圖也都是希望我們做一個監理者提醒監督由金融機構來趕快按照這個時程來建置我想"},{"start":230.399,"end":251.102,"text":"這部分也是我們主委因為我今天時間有限其實因為我今天看到頭版頭我才提這個問題跟你討論所以我剛剛問說你錢人找不找得到我絕對完全的支持我也希望如果即便下會請你再送出來沒有編我覺得要想辦法跟院長提議要想辦法怎麼樣給你錢人找不找得到"},{"start":252.023,"end":261.289,"text":"我們可不可以快速緊急把這個後續後量子時代我們資安的安全的部分在金融行業我們把整個建置起來如果沒有趕快往前走我覺得這件事情是可怕的這是我要提醒主委的地方"},{"start":268.214,"end":292.876,"text":"所以包括後續銀行保險證券量子資安的風險的盤點等等我覺得CBOM的加速跟比例我覺得包括ATM跨境支付相關的證券交易是不是未來都有PQC的導入時程相關的里程碑我都希望說下個會期或者是送進來預算的時候我可以看到你有更具體的說法可以回應我相關的問題"},{"start":294.697,"end":312.258,"text":"因為外界也都在看我們希望我們政府可以及早做準備的話我們更可以要求民間公共銀行先來做民間的銀行馬上就可以跟得上我們台灣有這麼好的半導體資安對我們來說金融太重要資安的管理量子資安後續的管理太重要了"},{"start":313.05,"end":334.684,"text":"還是我可以請我們局長幾秒鐘跟你簡單說明銀行現在的狀況我們在銀行端已經有成立了這個FISEC就是透過財經公司如果有任何駭客供給的情資我們會通報到這個情資中心去馬上會廣播到所有的金融機構都能夠掌握到第一時間的一個訊息"},{"start":336.005,"end":354.981,"text":"那未來我們也會持續督促金融業包括電子支付業也是一樣都會納到這整個聯防體系裡面來做好資安的一個聯防工作另外一方面我們都有強制要求所有的銀行必須要設資安長那資安長他必須要定期的來向董事會來呈報目前資安防禦的一個情況"},{"start":355.922,"end":378.514,"text":"是 謝謝局長就是說我覺得我們要盤點得更清楚把所有民間掌握他們到底做得如何我們要掌握得更清楚這是我剛剛講的這個CBOM我們要有一個清單可以了解得清楚他們目前規劃升級包括預算跟人力他們相關的狀況我覺得我們銀行局這邊可能也都要一個更完整的掌握好 謝謝局長 主委 局長請回喔 主委 ESG"},{"start":381.255,"end":386.399,"text":"是我長期在委員會裡面我非常關心的我們ESG的評鑑過去著重在內部公司的治理股東的權益維護我們現在升級到環境永續社會責任的具體的實踐謝謝局長在上次我質詢的時候包括現在全國各校舍的耐震係數不足局長也順應我的回應你馬上在ESG裡面加強了這一塊謝謝局長那把校舍重建已經納入評鑑"},{"start":411.238,"end":434.871,"text":"那局長我就有一個問題我們最近風災很嚴重全國都有面臨極端氣候這個敵人的變化我也非常希望就是說包括在瞬間降雨啊這個未來氣候的極端氣候的常態的變化環境的永續這一塊未來是不是有可能在ESG也納入相關包括投資因為雖然企業大樓是一棟"},{"start":436.318,"end":464.232,"text":"我前面大街淹水也是淹到我所以環境的永續的部分未來包括新建地方政府新建調洪池包括透水我公司前面透水綠地公園或新建廠房三半大樓的時候未來包括加設雨水的回收池包括屋頂的綠化等等其實這也都是環境永續的一環未來可不可以更具體的把這些項目也納入"},{"start":465.526,"end":489.295,"text":"其實我們講的沒有錯,就是我們對從過去減碳現在到重點在調適就是當我們沒辦法改變環境的時候,怎麼樣在這個環境之下增強韌性這些都是未來我們在應對全球氣候變遷非常重要的工作也是現在政府在推動很重要的這個地方那我已經提到有關這部分,因為我們本來做ESG評鑑本來就是要與時俱進"},{"start":490.916,"end":503.208,"text":"所以針對這個東西怎麼樣順應社會的需求我想這我們可以來著手來研議還不止這些啊局長我常常跟您討論有關業需未來永續社會的需求地方需求我們希望有機會這個相關的議題我希望"},{"start":506.872,"end":521.369,"text":"所屬底下的單位我們更進一步的研擬就是怎麼樣讓環境永續ESG的部分那的範圍更廣來符合民間社會大眾需求也達到這個環境永續的目的好不好"},{"start":522.029,"end":550.589,"text":"這是我第一個問題那第二個問題因為時間只剩下一分半鐘就是對於金管會對於六代同堂亂象所祭出的政策到底效果怎麼樣我們前一陣子我們四月份要求各捐商採取到期原則不續借調降可借的額度包括調高借款的利率等等到6月26號我看到我們市場已經回收了621億的股票值借的資金看起來效果是不錯"},{"start":551.69,"end":570.715,"text":"但是主委我們有沒有去了解就是說到底我們這621億主委你了解我的意思嗎請之前到底是他們主動提前還款還是因為申請未獲準而被動還款或者是券商主動斷竊強制還款這個比例到底是怎麼樣雖然看起來我們覺得說我們的手段效果好像是不錯"},{"start":578.917,"end":603.132,"text":"但是我擔心的就是說槓桿帶走的是獲利的部位而不是虧損的部位市場事實上還是承擔了很多的資金的風險資金的風險事實上並沒有真正減少那我擔心就是說如果資金風險沒有真正減少我們這個手段下去的話民間借不到錢他有沒有可能轉到地下去借錢"},{"start":604.533,"end":616.163,"text":"這又會是另外一個風險我們銀行端如果我們做信貸我們有擔保品我們都還可以用手段來控管但是有些人他想借錢借不到錢他轉到地下去"},{"start":617.741,"end":645.702,"text":"這又是社會上資金的另外一個隱憂所以主委這是我要提醒的地方就是我們如何去證明我們現階段的效果是好的然後又要防止民間就是玩股票啊往地下錢莊去借錢這是我今天質詢另外一個重點的議題我擔心的地方所以我有盲點一二三我希望在這樣的狀況之下主委去研擬就是說用書面回應我不再用別人時間"},{"start":646.883,"end":653.57,"text":"我們怎麼樣去不是消滅風險會不會是轉移風險那我們怎樣避免後續往地下錢莊去借錢的狀況發生我想這邊我們現在非常清楚我想用書面回答你好 謝謝主委"}]}},"supported_relations":[],"relations":[]}