{"error":false,"id":["170218"],"data":{"IVOD_ID":170218,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/170218","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":"2026-07-01T10:51:31+08:00","結束時間":"2026-07-01T11:02:54+08:00","影片長度":"00:11:23","支援功能":["ai-transcript","gazette"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/10566d69eaf1b9ac953278d4452e852fca9306fd69d22fc010bb06545781b11bff2541df1b7df3cd5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"顏寬恒","委員發言時間":"10:51:31 - 11:02:54","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","speaker_name":"顏委員寬恒","start":11.590343750000002,"end":17.15909375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":21.765968750000003,"end":23.63909375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":23.80784375,"end":30.524093750000002,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":31.06409375,"end":33.76409375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":34.034093750000004,"end":35.04659375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":35.080343750000004,"end":37.78034375,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":37.78034375,"end":37.932218750000004,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":37.932218750000004,"end":45.57659375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":45.96471875,"end":50.149718750000005,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":50.52096875,"end":51.16221875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":51.38159375,"end":53.05221875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":53.35596875,"end":54.09846875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":54.705968750000004,"end":56.393468750000004,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":56.595968750000004,"end":57.77721875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":58.806593750000005,"end":65.18534375,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":65.38784375,"end":65.70846875000001,"speaker_score":0.953},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":65.79284375,"end":74.02784375,"speaker_score":0.953},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":74.29784375,"end":74.85471875,"speaker_score":0.953},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":75.19221875000001,"end":77.33534375,"speaker_score":0.953},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":77.85846875,"end":89.75534375000001,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":80.91284375000001,"end":81.63846875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":88.72596875,"end":89.14784375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":89.75534375000001,"end":89.95784375000001,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":89.95784375000001,"end":92.16846875,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":90.19409375000001,"end":91.00409375000001,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":92.45534375000001,"end":96.03284375000001,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":95.69534375,"end":97.63596875,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":96.87659375000001,"end":100.47096875000001,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":99.81284375000001,"end":104.03159375000001,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":104.18346875,"end":104.47034375000001,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":104.25096875000001,"end":104.26784375000001,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":104.45346875000001,"end":106.57971875000001,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":106.93409375,"end":111.28784375000001,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":111.52409375,"end":112.57034375,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":111.59159375,"end":111.81096875,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":112.84034375,"end":117.85221875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":118.13909375,"end":120.77159375000001,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":120.94034375000001,"end":121.95284375000001,"speaker_score":0.911},{"speaker":"SPEAKER_00","speaker_name":"童局長政彰","start":121.17659375000001,"end":121.21034375,"speaker_score":0.964},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":122.10471875,"end":125.02409375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":125.07471875,"end":129.00659375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":129.22596875000002,"end":132.60096875000002,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":132.95534375,"end":135.31784375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":135.45284375,"end":137.00534375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":137.32596875000002,"end":138.38909375,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":139.14846875,"end":139.75596875000002,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":139.30034375,"end":142.00034375,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":142.00034375,"end":145.56096875,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":145.71284375000002,"end":147.63659375,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":147.73784375,"end":165.72659375,"speaker_score":0.953},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":165.92909375000002,"end":172.93221875,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":170.87346875,"end":171.29534375,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":173.40471875,"end":176.39159375,"speaker_score":0.953},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":176.69534375,"end":178.95659375000002,"speaker_score":0.953},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":179.24346875,"end":185.65596875,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":185.65596875,"end":189.63846875000002,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":190.02659375000002,"end":195.64596875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":195.93284375000002,"end":200.05034375000002,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":200.06721875000002,"end":200.10096875000002,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":200.30346875,"end":211.23846875,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":209.43284375000002,"end":210.91784375,"speaker_score":0.953},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":211.15409375000002,"end":211.44096875000002,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":211.39034375,"end":227.38784375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":227.50596875000002,"end":230.99909375000001,"speaker_score":0.911},{"speaker":"SPEAKER_00","speaker_name":"童局長政彰","start":227.80971875,"end":227.82659375,"speaker_score":0.964},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":231.03284375,"end":235.35284375,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":235.35284375,"end":242.82846875,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":238.37346875000003,"end":238.74471875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":239.68971875000003,"end":239.97659375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":240.09471875000003,"end":240.65159375000002,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":242.82846875,"end":243.30096875,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":243.45284375000003,"end":254.99534375000002,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":250.32096875000002,"end":250.69221875000002,"speaker_score":0.911},{"speaker":"SPEAKER_00","speaker_name":"童局長政彰","start":250.69221875000002,"end":250.70909375000002,"speaker_score":0.964},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":255.07971875,"end":269.59221875000003,"speaker_score":0.953},{"speaker":"SPEAKER_00","speaker_name":"童局長政彰","start":269.33909375,"end":280.57784375,"speaker_score":0.964},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":279.83534375,"end":280.27409375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":280.57784375,"end":280.78034375000004,"speaker_score":0.911},{"speaker":"SPEAKER_00","speaker_name":"童局長政彰","start":280.78034375000004,"end":282.40034375,"speaker_score":0.964},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":281.99534375,"end":283.54784375,"speaker_score":0.911},{"speaker":"SPEAKER_00","speaker_name":"童局長政彰","start":283.54784375,"end":326.96721875000003,"speaker_score":0.964},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":288.72846875,"end":289.25159375000004,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":326.27534375000005,"end":326.69721875000005,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":326.96721875000003,"end":337.54784375,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":336.78846875000005,"end":337.39596875,"speaker_score":0.953},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":337.54784375,"end":345.64784375000005,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":344.48346875000004,"end":354.18659375000004,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":354.62534375,"end":358.33784375000005,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":358.92846875000004,"end":359.51909375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":359.97471875,"end":362.74221875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":363.16409375,"end":366.33659375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":366.72471875,"end":384.29159375,"speaker_score":0.911},{"speaker":"SPEAKER_00","speaker_name":"童局長政彰","start":374.99346875000003,"end":375.58409375,"speaker_score":0.964},{"speaker":"SPEAKER_00","speaker_name":"童局長政彰","start":376.22534375000004,"end":376.24221875,"speaker_score":0.964},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":380.79846875000004,"end":381.06846875,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":384.83159375,"end":387.76784375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":388.10534375000003,"end":402.07784375,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":401.03159375,"end":401.94284375,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":402.58409375,"end":418.12596875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":418.59846875000005,"end":419.30721875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":419.81346875,"end":423.32346875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":423.79596875000004,"end":430.73159375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":431.03534375000004,"end":464.34659375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":464.71784375000004,"end":465.67971875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":466.23659375000005,"end":471.28221875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":472.17659375000005,"end":475.12971875000005,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":475.51784375000005,"end":480.68159375000005,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":481.12034375,"end":485.57534375000006,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":485.74409375000005,"end":497.82659375000003,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":497.97846875000005,"end":503.41221875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":503.74971875000006,"end":506.58471875000004,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":506.77034375000005,"end":509.35221875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":509.75721875000005,"end":510.43221875000006,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":509.90909375,"end":510.46596875000006,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":510.46596875000006,"end":510.49971875000006,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":510.49971875000006,"end":518.75159375,"speaker_score":0.953},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":518.8528437500001,"end":556.90596875,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":555.16784375,"end":555.89346875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":556.29846875,"end":559.6228437500001,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":559.84221875,"end":568.4990937499999,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":561.9853437500001,"end":562.32284375,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":568.66784375,"end":570.6084687499999,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":570.79409375,"end":571.46909375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":571.9922187500001,"end":572.46471875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":572.9540937500001,"end":576.1772187500001,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":576.31221875,"end":578.23596875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":578.52284375,"end":584.6147187500001,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":584.69909375,"end":588.79971875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":589.08659375,"end":590.5715937500001,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":590.87534375,"end":591.88784375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":592.14096875,"end":613.79159375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":614.11221875,"end":625.8740937499999,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":626.7009687500001,"end":628.15221875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":628.3884687500001,"end":631.79721875,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":631.96596875,"end":637.61909375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":638.31096875,"end":641.83784375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":642.12471875,"end":643.52534375,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":643.76159375,"end":650.2078437499999,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":650.4609687500001,"end":653.2622187500001,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":653.4309687500001,"end":655.1015937500001,"speaker_score":0.911},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":655.1184687500001,"end":664.5515937499999,"speaker_score":0.911},{"speaker":"SPEAKER_01","speaker_name":"彭主任委員金隆","start":664.88909375,"end":672.01034375,"speaker_score":0.953},{"speaker":"SPEAKER_02","speaker_name":"顏委員寬恒","start":672.01034375,"end":682.9622187500001,"speaker_score":0.911},{"speaker":"SPEAKER_00","speaker_name":"童局長政彰","start":681.1228437500001,"end":682.8103437500001,"speaker_score":0.964}],"whisperx":[{"start":11.902,"end":16.991,"text":"呃主席各位理事館大家好主席有請金管會彭主委請金管會彭主委"},{"start":22.767,"end":49.926,"text":"主委好主委財政部在6月16日與公股銀行召開例行的董總聯席會議那會議中提到公股銀行防詐ATM是今年銀行業務的一個重點佈局那只要提款者面部有遮蔽物例如安全帽、口罩或者是墨鏡等這些遮蔽物ATM就會發出響鈴、鈴響或者是警示"},{"start":52.107,"end":64.971,"text":"目前四月底公股已經設置達到2%目標是希望年底前能夠達到30%可不可以請問主委目前最新的數據是多少"},{"start":65.931,"end":87.437,"text":"那個我待會請那個局長準備一下因為剛好這裡是我們行政院自然匯報上一個重要的工作項目那我們總共是希望說因為防炸的部分因為我們現在是希望供股先行然後我們協調財政部他們確實陳主委員講就希望年底的時候我記得好像達到要到4000多台幣"},{"start":88.757,"end":89.017,"text":"其實那些車手沒那麼笨"},{"start":107.029,"end":128.424,"text":"知道政府要開始加強作為的時候那他們一定會改變策略既然公股行不通他們就跑到這些民營銀行或者是我們超商的ATM那所以要讓這些政策不僅是公股來實施民營的銀行也要一同跟進"},{"start":129.304,"end":138.21,"text":"像是全台最多ATM數量的這個前幾家銀行中信、國泰、富邦、台新等等今晚會能不能要求他們的更新速度"},{"start":139.321,"end":165.435,"text":"公股要30%那這些民營的銀行當然其實雖然剛剛是公股先行其實民營也蠻積極的有沒有明確的數字要求他們我們現在是這樣啦我們透過一些比如說我們現在在銀行公會成立那個打詐委員會嘛我們會用多重的方式期待他們來強化這些防詐措施他們其實也蠻積極只是各家所採取的方法是不太一樣那確實剛剛委員有提到就是說"},{"start":166.115,"end":192.682,"text":"假設他今天沒有辦法全面的話那就會產生一個就是比較弱點那個弱點就成為被突破的地方那這個我們也會跟警政署在那邊做做密切聯繫就是說他有些在過去經驗上有些熱點他們會提供這個情資給我們來處理這件事情因為我說我認為說現在在台灣超商超商已經是民眾日常生活的一個核心"},{"start":194.022,"end":209.454,"text":"不管是這些小家庭或者是一般的年輕客戶都是往超商跑那他們其中設置ATM又以民營的這些銀行為大宗實質上已經是成為防詐金融安全的第一線戰場"},{"start":211.556,"end":235.162,"text":"所以如果公股銀行已經設定目標而且年底前要達到百分之三十的覆蓋率那麼相對的金管會也要對這些遍佈全台集中在超商通路的民營的銀行提出更進一步的要求這樣子才符合我們的一個政策嘛那既然是三十趴那可不可以要求民營也同樣的要達到三十趴"},{"start":236.082,"end":254.191,"text":"這我們會來看看怎麼樣去深化它因為我們要看到它的積極性不是要從數字上去觀察這個方向我們是會來支持但是第一個他們的做法我想委員有深入研究就知道做法有好幾種所以我們現在這麼多銀行在做這些事情的時候我們也責成銀行公會"},{"start":255.307,"end":279.943,"text":"看能不能在8月的時候定出一個統一的標準讓大家來比較好推廣我們想這部分他也在做所以這麼詳細的簡單細節我請那個局長跟您簡單說明一下現在數字好時間有限謝謝委員先跟委員報告數字的部分在5月底有15家金融機構包含公民營都有那總共有導入了1594台的ATM那目前我們的工作1594台"},{"start":281.524,"end":304.62,"text":"1594台那這樣佔總體的多少我們目前全部的ATM的總台數大概有33000多台所以事實上來講整個佔比非常低這個我們承認但我們現在目前的工作重點是在於說我們請這些銀行把他們事辦的情況回饋給我們因為陸陸續續已經有銀行他通報造成民眾的不便比方說像這個影像身高的一個"},{"start":305.58,"end":326.488,"text":"會讓民眾領不到錢等等或者是在流感期間又戴了口罩又要叫他們把口罩拿掉那目前我們會請銀行公會找這些金融機構過來把一些要繼續去改善這些流程的部分回饋給我們我們會在八月份再把一些好的一些這個做法來就是請所有的銀行來"},{"start":328.109,"end":345.305,"text":"這個就是八月份的時候可以提出具體可執行的一個時程表跟階段性的目標很明確的把它呈現出來大家的做法能夠比較一致因為其實各做各的其實大家也不知道怎麼做我們需要營養工會來針對過去的經驗把不好的把它排除掉"},{"start":346.025,"end":365.685,"text":"打炸本來就是在跟時間賽跑因為我們今年底供股要達到30%那民營的如果說沒有辦法或者是這中間沒有大家沒有互相配合掉隊了他的腳步就是跟不上掉隊的所以就是會讓這一些不法的業者就是往民營這邊跑"},{"start":366.946,"end":383.025,"text":"所以這裡就變成一個一個柵團的一個體管天堂所以這部分再請我們主委跟我們財政部這邊再做一些演繹主委我另外再跟你請教我這個先前"},{"start":385.127,"end":401.173,"text":"5月份的時候在質詢的時候跟你提到QR Code翻拍的問題那台灣Pay是由政府輔導下成立的平台那相對於Line Pay跟Apple Pay來講它的使用率沒那麼高所以就變成說是詐團的一個下手目標"},{"start":402.634,"end":416.572,"text":"那詐團現在社群平台假裝發放一些免費或者是低廉的物品來吸引吸引這些誘人上當然後給假的臨捷那你點進去之後點進去之後就發現說欸 帳戶異常"},{"start":419.856,"end":446.572,"text":"在要求被害人點開台灣Pay的一個QR Code那這時候車手已經在超商等了他已經在另外一端已經在等待當詐騙集團得手之後車手馬上把這個把他得到的款項購買這個遊戲的點數在相對便宜的這樣子折扣把這些點數賣出我們聽起來好像疑點重重但是確實被害者當下他不會想那麼多啦他就是想說"},{"start":447.832,"end":469.529,"text":"他就按照你的指示去操作然後結果就上槓了然後上槓之後他在那邊取款拿到錢之後買的點數就以五到七折就以五到七折的這樣子的一個價差然後呢賣給賣給這一些就是就是就是看到便宜想要買的這些這些遊戲的就要"},{"start":472.353,"end":488.93,"text":"這些這些人那其實就看準了我們這個金融APP在這方面的防禦意識慢慢拍所以說如果是這種情況我當時5月7號的時候希望你們無論是無卡提款或者是"},{"start":491.212,"end":517.204,"text":"支付碼頁面能夠全面導入防截圖防錄影還有偵測遠端分享及斷線這些部分你當時也承諾說會跟銀行局一起來做這一部分的檢討那現在兩個月了嘛我想說這兩個月有沒有更進一步的一些作為還是說準備怎麼做其實非常謝謝委員的督促啦其實我們立刻就做了我們就找了高檢署 警政署 銀行公會開會我們就"},{"start":519.845,"end":534.09,"text":"在7月底以前他們會完成剛剛講的那些的改善措施比如說他們先在做QR Code這時候會有個防詐提醒再來就是說他們會不讓他用系統去阻擋截圖跟螢幕分享"},{"start":534.87,"end":555.686,"text":"再來就是我們把那個QR Code的有效期間從原來3分鐘縮到一個更短的時間讓那個詐團沒有辦法即便被截走以後我們從3分鐘變成1分鐘他就大幅的可以降低他未來真的被截走以後的這個拿去做詐騙的可能所以我們這部分大概7月底應該就會來做這些518門的詐騙方式"},{"start":560.449,"end":587.921,"text":"這些受害者還是非常的多啦都在增加那刑事局防詐中心的隊長也特別提出說詐騙集團透過台灣Pay翻拍無卡提款然後呢騙到錢後再大量的購買點數把這些點數快速變現然後藉由他們在網路上開設這種代儲商店代替儲值的代儲商店用五到七折的折扣新穎不知情但買到"},{"start":589.781,"end":603.329,"text":"這種優惠的玩家然後來購買熱門手遊的一些虛擬寶物或者是點數嘛那這樣子就成功的把騙到的錢然後透過這樣子的方式又洗錢成功了當詐騙集團但是遊戲公司後台一查"},{"start":607.631,"end":625.665,"text":"發現說涉案的這些骯髒點數就是骯髒點數嘛全部都除盡了可能是不知情的玩家玩家的這個遊戲帳戶裡面普通玩家的遊戲帳戶那被官方這些帳戶可能就被官方永久的封鎖甚至於這些本質它就變成被列為洗錢共犯"},{"start":626.878,"end":645.834,"text":"被列為洗錢共犯所以這是因為我們整個制度上還不夠全面然後能夠讓這些詐騙的一些手法能夠斷絕所以害讓這些無辜的人變成一個洗錢共犯所以這部分我們是後面還有很多現在滿街都是專業代儲公司"},{"start":646.374,"end":664.137,"text":"那這些就是一個新型態的一個特許金融仲介跟第三方支付的變體所以這部分是不是請主委要怎麼樣去是一律要直接規定代儲就是不合法的行為還是要怎麼樣讓他們把它規範成為是一個合法的行業"},{"start":664.978,"end":681.445,"text":"是 我想這部分因為剛剛聽到委員提到我想我們可能會再來找速發部來請教一下看這要怎麼處理從源頭來確保好不好因為這個部分確實是時間很短沒辦法來做這樣子的說明再請把這個資料給我們辦公室好 謝謝"}],"gazette":[{"speaker":"顏委員寬恒","start":"2026-07-01T10:51:42.902000+08:00","guessed":false,"end":"2026-07-01T10:51:44.545000+08:00","text":"主席、各位列席官員，大家好。","quality":0.636},{"speaker":"顏委員寬恒","start":"2026-07-01T10:51:45.046000+08:00","guessed":false,"end":"2026-07-01T10:51:46.388000+08:00","text":"有請金管會彭主委。","quality":1},{"speaker":"主席","start":"2026-07-01T10:51:47.090000+08:00","guessed":false,"end":"2026-07-01T10:51:47.971000+08:00","text":"請金管會彭主委。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-07-01T10:51:47.971000+08:00","guessed":true,"end":"2026-07-01T10:51:53.767000+08:00","text":"委員好。","quality":0},{"speaker":"顏委員寬恒","start":"2026-07-01T10:51:53.767000+08:00","guessed":false,"end":"2026-07-01T10:51:54.007000+08:00","text":"主委好。","quality":1},{"speaker":"顏委員寬恒","start":"2026-07-01T10:51:55.888000+08:00","guessed":false,"end":"2026-07-01T10:52:32.430000+08:00","text":"財政部6月16日與公股銀行召開例行的董總聯席會議，會議中提到公股銀防詐ATM是今年銀行業務的一個重點布局，只要提款者面部有遮蔽物，例如安全帽、口罩或是墨鏡等等，ATM就會發出鈴響或是警示，目前4月底公股銀設置達到2%，目標是希望年底前能夠達到30%。是的。","quality":0.955},{"speaker":"顏委員寬恒","start":"2026-07-01T10:52:32.430000+08:00","guessed":false,"end":"2026-07-01T10:52:35.951000+08:00","text":"可不可以請問主委，目前最新的數據是多少？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-07-01T10:52:37.551000+08:00","guessed":false,"end":"2026-07-01T10:52:53.015000+08:00","text":"好，我請局長準備一下，因為剛好這也是我們行政院資安會報上一個重要的工作項目，防詐的部分，我們現在是希望公股先行，我們也協調財政部。","quality":0.864},{"speaker":"彭主任委員金隆","start":"2026-07-01T10:52:54.676000+08:00","guessed":false,"end":"2026-07-01T10:52:57.716000+08:00","text":"確實誠如委員講的，希望年年底的時候，我記得好像達到四千多臺。","quality":0.704},{"speaker":"顏委員寬恒","start":"2026-07-01T10:52:58.177000+08:00","guessed":false,"end":"2026-07-01T10:52:58.317000+08:00","text":"年底要到30%。","quality":0.4},{"speaker":"彭主任委員金隆","start":"2026-07-01T10:52:58.317000+08:00","guessed":true,"end":"2026-07-01T10:52:59.317000+08:00","text":"年底要達到30%，要到四千多臺，他們是希望……","quality":0.118},{"speaker":"顏委員寬恒","start":"2026-07-01T10:52:59.317000+08:00","guessed":true,"end":"2026-07-01T10:53:00.317000+08:00","text":"4月份的時候2%，現在6月份了，現在的進度……","quality":0},{"speaker":"彭主任委員金隆","start":"2026-07-01T10:53:00.317000+08:00","guessed":true,"end":"2026-07-01T10:53:01.317000+08:00","text":"好像不只2%，我記得年底要到30%。對。","quality":0},{"speaker":"顏委員寬恒","start":"2026-07-01T10:53:01.317000+08:00","guessed":true,"end":"2026-07-01T10:53:02.317000+08:00","text":"我再請教，因為公股先行，對不對？對。","quality":0},{"speaker":"顏委員寬恒","start":"2026-07-01T10:52:59.757000+08:00","guessed":false,"end":"2026-07-01T10:53:49.190000+08:00","text":"其實那些車手沒那麼笨，知道政府要開始加強作為的時候，他們一定會改變策略，既然公股行不通，他們就跑到這些民營銀行或者是超商ATM，這些政策不僅公股要實施，民營銀行也要一同跟進，像是全臺最多ATM數量前幾家銀行，包含中信、國泰、富邦、台新等等，金管會能不能要求他們更新速度？","quality":0.951},{"speaker":"顏委員寬恒","start":"2026-07-01T10:53:50.321000+08:00","guessed":false,"end":"2026-07-01T10:53:52.742000+08:00","text":"公股要30%，那這些民營的銀行……","quality":1},{"speaker":"彭主任委員金隆","start":"2026-07-01T10:53:53.703000+08:00","guessed":false,"end":"2026-07-01T10:53:55.604000+08:00","text":"雖然剛剛說是公股先行，其實民營也蠻積極的。","quality":0.947},{"speaker":"顏委員寬恒","start":"2026-07-01T10:53:55.824000+08:00","guessed":false,"end":"2026-07-01T10:53:59.146000+08:00","text":"有沒有明確的數字要求他們？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-07-01T10:53:59.146000+08:00","guessed":false,"end":"2026-07-01T10:54:36.840000+08:00","text":"我們現在透過一些方式，比如我們現在在銀行公會成立打詐委員會，我們會用多重的方式期待他們強化這些防詐措施，他們其實也蠻積極，只是各家所採行的方法不太一樣，確實剛剛委員有提到，假設它今天沒有辦法全面實施的話，就會產生一個弱點，這個弱點就成為被突破的地方，我們也會跟警政署密切聯繫，過去在經驗上的熱點，他們會提供情資給我們來處理這件事情。","quality":0.942},{"speaker":"顏委員寬恒","start":"2026-07-01T10:54:38.420000+08:00","guessed":false,"end":"2026-07-01T10:55:00.454000+08:00","text":"我認為現在臺灣的超商已經是民眾日常生活的核心，不管是小家庭或者是一般的年輕客戶都是往超商跑，其中設置ATM又以民營銀行為大宗，實質上已經成為防詐金融安全的第一線戰場。是的。","quality":0.963},{"speaker":"顏委員寬恒","start":"2026-07-01T10:55:02.556000+08:00","guessed":false,"end":"2026-07-01T10:55:25.722000+08:00","text":"所以如果公股銀行已經設定目標，而且年底前要達到30%的覆蓋率，相對的，金管會也要對這些遍布全臺集中在超商通路的民營銀行提出更進一步要求，這樣才符合我們的政策，既然公股是30%，可不可以要求民營也同樣要達到30%？","quality":0.935},{"speaker":"彭主任委員金隆","start":"2026-07-01T10:55:27.082000+08:00","guessed":false,"end":"2026-07-01T10:55:29.743000+08:00","text":"我們會來看看怎麼樣去深化它，因為我們是……","quality":0.944},{"speaker":"顏委員寬恒","start":"2026-07-01T10:55:29.743000+08:00","guessed":false,"end":"2026-07-01T10:55:33.525000+08:00","text":"我們要看到它的積極性，要從數字上去觀察，對不對？","quality":0.762},{"speaker":"彭主任委員金隆","start":"2026-07-01T10:55:34.766000+08:00","guessed":false,"end":"2026-07-01T10:55:58.935000+08:00","text":"這個方向我們會支持，但是第一個，他們的做法我想委員有深入研究，知道做法有好幾種，我們現在這麼多銀行在做這些事情的時候，我們也責成銀行公會看能不能在8月的時候訂出一個統一的標準，讓大家比較好推廣，這部分他也在做，詳細、簡單的細節，我請局長跟您簡單說明一下現在的數字。","quality":0.975},{"speaker":"顏委員寬恒","start":"2026-07-01T10:55:59.296000+08:00","guessed":false,"end":"2026-07-01T10:55:59.956000+08:00","text":"好，時間有限。","quality":1},{"speaker":"童局長政彰","start":"2026-07-01T10:56:00.717000+08:00","guessed":false,"end":"2026-07-01T10:56:10.923000+08:00","text":"謝謝委員，先跟委員報告數字的部分，在5月底有15家金融機構，包含公、民銀都有，總共導入了1,594臺的ATM，目前我們的工作重點……1,594臺？對。","quality":0.889},{"speaker":"顏委員寬恒","start":"2026-07-01T10:56:14.165000+08:00","guessed":false,"end":"2026-07-01T10:56:14.426000+08:00","text":"這樣占總體的多少？","quality":0.875},{"speaker":"童局長政彰","start":"2026-07-01T10:56:14.886000+08:00","guessed":false,"end":"2026-07-01T10:56:57.488000+08:00","text":"我們目前ATM總臺數大概有三萬三千多臺，事實上整個占比非常低，這個我們承認，但我們目前的工作重點是在於，我們請這些銀行把他們試辦的情況回饋給我們，因為陸陸續續已經有銀行通報這個措施造成民眾的不便，比方說，像影像升高會讓民眾領不到錢等等，或者是在流感期間戴口罩，又要叫他們把口罩拿掉，目前我們會請銀行公會找這些金融機構過來，把一些要改善的流程回饋給我們，我們會在8月份把一些好的做法請所有銀行來導入。","quality":0.924},{"speaker":"顏委員寬恒","start":"2026-07-01T10:56:59.670000+08:00","guessed":false,"end":"2026-07-01T10:57:08.718000+08:00","text":"好，8月份的時候可以提出具體可執行的時程表跟階段性的目標，很明確把它呈現出來。","quality":0.971},{"speaker":"彭主任委員金隆","start":"2026-07-01T10:57:08.718000+08:00","guessed":false,"end":"2026-07-01T10:57:16.284000+08:00","text":"是，大家的做法能夠比較一致，因為各做各的其實大家也不知道怎麼做，我們希望銀行公會針對過去的經驗把不好的排除掉。","quality":0.882},{"speaker":"顏委員寬恒","start":"2026-07-01T10:57:17.025000+08:00","guessed":false,"end":"2026-07-01T10:57:45.555000+08:00","text":"打詐本來就是在跟時間賽跑，因為我們今年底公股要達到30%，民營如果沒有辦法，或是這中間大家沒有互相配合，它的腳步就是跟不上、掉隊了，會讓這些不法的業者往民營跑，變成詐團的提款天堂，所以這部分再請主委跟財政部再做研議。好的。","quality":0.889},{"speaker":"顏委員寬恒","start":"2026-07-01T10:57:48.939000+08:00","guessed":false,"end":"2026-07-01T10:58:12.173000+08:00","text":"主委，我另外再跟你請教，我先前5月份質詢的時候，跟你提到QR Code翻拍的問題，台灣Pay是由政府輔導下成立的平臺，相對於LINE Pay跟Apple Pay來講，它的使用率沒那麼高，變成是詐團一個下手的目標。","quality":0.947},{"speaker":"彭主任委員金隆","start":"2026-07-01T10:58:12.173000+08:00","guessed":true,"end":"2026-07-01T10:58:14.395000+08:00","text":"對，沒錯。","quality":0},{"speaker":"顏委員寬恒","start":"2026-07-01T10:58:14.395000+08:00","guessed":false,"end":"2026-07-01T10:58:51.448000+08:00","text":"詐團先在社群平臺假裝發放一些免費或者是低廉的物品誘人上當，給假的連結，當你點進去之後，就發現帳戶異常，再要求被害人點開台灣Pay的QR Code，這時候車手已經在超商等了，他已經在另外一端等待，當詐騙集團得手之後，車手馬上把他得到的款項購買遊戲的點數，用相對便宜的折扣價把這些點數賣出。","quality":0.939},{"speaker":"顏委員寬恒","start":"2026-07-01T10:58:52.148000+08:00","guessed":false,"end":"2026-07-01T10:59:30.260000+08:00","text":"我們聽起來好像疑點重重，但是確實被害者當下不會想那麼多，他就按照指示去操作，結果就上當了，當對方取款拿到錢之後，買的點數就以五到七折的價差，賣給看到便宜、想要買的這些人，其實就看準了我們金融app在這方面的防護意識慢半拍。","quality":0.912},{"speaker":"顏委員寬恒","start":"2026-07-01T10:59:32.443000+08:00","guessed":false,"end":"2026-07-01T11:00:01.321000+08:00","text":"如果是這種情況，我當時在5月7號的時候，希望你們無論是無卡提款或者是支付碼頁面，能夠全面導入防截圖、防錄影、偵測遠端分享及斷線這些部分，你當時也承諾會跟銀行局一起來做這部分的檢討，現在兩個月了，我想請問，這兩個月有沒有更進一步的作為，還是準備怎麼做？","quality":0.973},{"speaker":"彭主任委員金隆","start":"2026-07-01T11:00:02.261000+08:00","guessed":false,"end":"2026-07-01T11:00:46.205000+08:00","text":"非常謝謝委員的督促，其實我們立刻就做了，我們找了高檢署、警政署、銀行公會開會，在7月底以前，他們會完成剛才講的那些改善措施，比如現在在做的QR Code會有防詐提醒，還有他們會用系統去阻擋截圖跟螢幕分享，再來就是我們把QR Code的有效期間從原來3分鐘縮為更短時間，即便被詐團截走，我們從3分鐘變成1分鐘，就可以大幅降低未來他們拿去做詐騙的可能，這部分大概7月底應該就會來做。","quality":0.923},{"speaker":"顏委員寬恒","start":"2026-07-01T11:00:46.366000+08:00","guessed":false,"end":"2026-07-01T11:02:11.569000+08:00","text":"主委，這些五花八門的詐騙方式，受害者還是非常多，也一直在增加，刑事局防詐中心隊長特別提出，詐騙集團透過台灣Pay翻拍無卡提款，騙到錢後，大量購買點數，把這些點數快速變現，然後藉由他們在網路上開設的代替儲值的「代儲商店」，用5到7折的折扣吸引不知情的玩家購買這些優惠的熱門手遊的虛擬寶物或點數，詐團就成功的把騙到的錢透過這樣的方式又洗錢成功了，而遊戲公司的後臺一查，發現涉案的這些骯髒點數全部都儲進了不知情玩家的遊戲帳戶裡，即普通玩家的遊戲帳戶裡，這些帳戶可能就被官方永久封鎖，甚至於這些人被列為洗錢共犯，就是因為我們整個制度還不夠全面，無法讓這些詐騙的手法斷絕，然後讓這些無辜的人變成洗錢共犯。","quality":0.886},{"speaker":"顏委員寬恒","start":"2026-07-01T11:02:14.912000+08:00","guessed":false,"end":"2026-07-01T11:02:27.147000+08:00","text":"現在滿街都是專業代儲公司，這就是一個新型態的特許金融仲介跟第三方支付的變體，這部分金管會要怎麼處理？","quality":0.894},{"speaker":"顏委員寬恒","start":"2026-07-01T11:02:27.407000+08:00","guessed":false,"end":"2026-07-01T11:02:35.137000+08:00","text":"是直接一律規定代儲就是不合法行為，還是要如何把它規範為合法的行業？","quality":0.871},{"speaker":"彭主任委員金隆","start":"2026-07-01T11:02:35.978000+08:00","guessed":false,"end":"2026-07-01T11:02:42.809000+08:00","text":"是，委員剛才提到的部分，我們可能會再向數發部請教，看要怎麼處理。","quality":0.679},{"speaker":"顏委員寬恒","start":"2026-07-01T11:02:43.150000+08:00","guessed":false,"end":"2026-07-01T11:02:45.093000+08:00","text":"從源頭來確保，好不好？","quality":1},{"speaker":"顏委員寬恒","start":"2026-07-01T11:02:45.273000+08:00","guessed":false,"end":"2026-07-01T11:02:52.124000+08:00","text":"因為時間很短，沒辦法做詳細說明，請再把相關資料提供給本席辦公室。","quality":0.69},{"speaker":"彭主任委員金隆","start":"2026-07-01T11:02:52.425000+08:00","guessed":false,"end":"2026-07-01T11:02:52.445000+08:00","text":"好，謝謝。謝謝。","quality":0.6},{"speaker":"主席","start":"2026-07-01T11:02:52.945000+08:00","guessed":true,"end":"2026-07-01T11:02:58.659286+08:00","text":"謝謝，請金管會用書面跟顏委員回答，謝謝顏委員。","quality":0},{"speaker":"主席","start":"2026-07-01T11:02:58.959286+08:00","guessed":true,"end":"2026-07-01T11:03:02.102143+08:00","text":"下一位請羅明才委員質詢。","quality":0}]},"gazette":{"lineno":1017,"blocks":[["顏委員寬恒：（10時51分）主席、各位列席官員，大家好。有請金管會彭主委。"],["主席：請金管會彭主委。"],["彭主任委員金隆：委員好。"],["顏委員寬恒：主委好。財政部6月16日與公股銀行召開例行的董總聯席會議，會議中提到公股銀防詐ATM是今年銀行業務的一個重點布局，只要提款者面部有遮蔽物，例如安全帽、口罩或是墨鏡等等，ATM就會發出鈴響或是警示，目前4月底公股銀設置達到2%，目標是希望年底前能夠達到30%。"],["彭主任委員金隆：是的。"],["顏委員寬恒：可不可以請問主委，目前最新的數據是多少？"],["彭主任委員金隆：好，我請局長準備一下，因為剛好這也是我們行政院資安會報上一個重要的工作項目，防詐的部分，我們現在是希望公股先行，我們也協調財政部。確實誠如委員講的，希望年年底的時候，我記得好像達到四千多臺。"],["顏委員寬恒：年底要到30%。"],["彭主任委員金隆：年底要達到30%，要到四千多臺，他們是希望……"],["顏委員寬恒：4月份的時候2%，現在6月份了，現在的進度……"],["彭主任委員金隆：好像不只2%，我記得年底要到30%。"],["顏委員寬恒：對。我再請教，因為公股先行，對不對？"],["彭主任委員金隆：對。"],["顏委員寬恒：其實那些車手沒那麼笨，知道政府要開始加強作為的時候，他們一定會改變策略，既然公股行不通，他們就跑到這些民營銀行或者是超商ATM，這些政策不僅公股要實施，民營銀行也要一同跟進，像是全臺最多ATM數量前幾家銀行，包含中信、國泰、富邦、台新等等，金管會能不能要求他們更新速度？公股要30%，那這些民營的銀行……"],["彭主任委員金隆：雖然剛剛說是公股先行，其實民營也蠻積極的。"],["顏委員寬恒：有沒有明確的數字要求他們？"],["彭主任委員金隆：我們現在透過一些方式，比如我們現在在銀行公會成立打詐委員會，我們會用多重的方式期待他們強化這些防詐措施，他們其實也蠻積極，只是各家所採行的方法不太一樣，確實剛剛委員有提到，假設它今天沒有辦法全面實施的話，就會產生一個弱點，這個弱點就成為被突破的地方，我們也會跟警政署密切聯繫，過去在經驗上的熱點，他們會提供情資給我們來處理這件事情。"],["顏委員寬恒：我認為現在臺灣的超商已經是民眾日常生活的核心，不管是小家庭或者是一般的年輕客戶都是往超商跑，其中設置ATM又以民營銀行為大宗，實質上已經成為防詐金融安全的第一線戰場。"],["彭主任委員金隆：是的。"],["顏委員寬恒：所以如果公股銀行已經設定目標，而且年底前要達到30%的覆蓋率，相對的，金管會也要對這些遍布全臺集中在超商通路的民營銀行提出更進一步要求，這樣才符合我們的政策，既然公股是30%，可不可以要求民營也同樣要達到30%？"],["彭主任委員金隆：我們會來看看怎麼樣去深化它，因為我們是……"],["顏委員寬恒：我們要看到它的積極性，要從數字上去觀察，對不對？"],["彭主任委員金隆：這個方向我們會支持，但是第一個，他們的做法我想委員有深入研究，知道做法有好幾種，我們現在這麼多銀行在做這些事情的時候，我們也責成銀行公會看能不能在8月的時候訂出一個統一的標準，讓大家比較好推廣，這部分他也在做，詳細、簡單的細節，我請局長跟您簡單說明一下現在的數字。"],["顏委員寬恒：好，時間有限。"],["童局長政彰：謝謝委員，先跟委員報告數字的部分，在5月底有15家金融機構，包含公、民銀都有，總共導入了1,594臺的ATM，目前我們的工作重點……"],["顏委員寬恒：1,594臺？"],["童局長政彰：對。"],["顏委員寬恒：這樣占總體的多少？"],["童局長政彰：我們目前ATM總臺數大概有三萬三千多臺，事實上整個占比非常低，這個我們承認，但我們目前的工作重點是在於，我們請這些銀行把他們試辦的情況回饋給我們，因為陸陸續續已經有銀行通報這個措施造成民眾的不便，比方說，像影像升高會讓民眾領不到錢等等，或者是在流感期間戴口罩，又要叫他們把口罩拿掉，目前我們會請銀行公會找這些金融機構過來，把一些要改善的流程回饋給我們，我們會在8月份把一些好的做法請所有銀行來導入。"],["顏委員寬恒：好，8月份的時候可以提出具體可執行的時程表跟階段性的目標，很明確把它呈現出來。"],["彭主任委員金隆：是，大家的做法能夠比較一致，因為各做各的其實大家也不知道怎麼做，我們希望銀行公會針對過去的經驗把不好的排除掉。"],["顏委員寬恒：打詐本來就是在跟時間賽跑，因為我們今年底公股要達到30%，民營如果沒有辦法，或是這中間大家沒有互相配合，它的腳步就是跟不上、掉隊了，會讓這些不法的業者往民營跑，變成詐團的提款天堂，所以這部分再請主委跟財政部再做研議。"],["彭主任委員金隆：好的。"],["顏委員寬恒：主委，我另外再跟你請教，我先前5月份質詢的時候，跟你提到QR Code翻拍的問題，台灣Pay是由政府輔導下成立的平臺，相對於LINE Pay跟Apple Pay來講，它的使用率沒那麼高，變成是詐團一個下手的目標。"],["彭主任委員金隆：對，沒錯。"],["顏委員寬恒：詐團先在社群平臺假裝發放一些免費或者是低廉的物品誘人上當，給假的連結，當你點進去之後，就發現帳戶異常，再要求被害人點開台灣Pay的QR Code，這時候車手已經在超商等了，他已經在另外一端等待，當詐騙集團得手之後，車手馬上把他得到的款項購買遊戲的點數，用相對便宜的折扣價把這些點數賣出。我們聽起來好像疑點重重，但是確實被害者當下不會想那麼多，他就按照指示去操作，結果就上當了，當對方取款拿到錢之後，買的點數就以五到七折的價差，賣給看到便宜、想要買的這些人，其實就看準了我們金融app在這方面的防護意識慢半拍。如果是這種情況，我當時在5月7號的時候，希望你們無論是無卡提款或者是支付碼頁面，能夠全面導入防截圖、防錄影、偵測遠端分享及斷線這些部分，你當時也承諾會跟銀行局一起來做這部分的檢討，現在兩個月了，我想請問，這兩個月有沒有更進一步的作為，還是準備怎麼做？"],["彭主任委員金隆：非常謝謝委員的督促，其實我們立刻就做了，我們找了高檢署、警政署、銀行公會開會，在7月底以前，他們會完成剛才講的那些改善措施，比如現在在做的QR Code會有防詐提醒，還有他們會用系統去阻擋截圖跟螢幕分享，再來就是我們把QR Code的有效期間從原來3分鐘縮為更短時間，即便被詐團截走，我們從3分鐘變成1分鐘，就可以大幅降低未來他們拿去做詐騙的可能，這部分大概7月底應該就會來做。"],["顏委員寬恒：主委，這些五花八門的詐騙方式，受害者還是非常多，也一直在增加，刑事局防詐中心隊長特別提出，詐騙集團透過台灣Pay翻拍無卡提款，騙到錢後，大量購買點數，把這些點數快速變現，然後藉由他們在網路上開設的代替儲值的「代儲商店」，用5到7折的折扣吸引不知情的玩家購買這些優惠的熱門手遊的虛擬寶物或點數，詐團就成功的把騙到的錢透過這樣的方式又洗錢成功了，而遊戲公司的後臺一查，發現涉案的這些骯髒點數全部都儲進了不知情玩家的遊戲帳戶裡，即普通玩家的遊戲帳戶裡，這些帳戶可能就被官方永久封鎖，甚至於這些人被列為洗錢共犯，就是因為我們整個制度還不夠全面，無法讓這些詐騙的手法斷絕，然後讓這些無辜的人變成洗錢共犯。現在滿街都是專業代儲公司，這就是一個新型態的特許金融仲介跟第三方支付的變體，這部分金管會要怎麼處理？是直接一律規定代儲就是不合法行為，還是要如何把它規範為合法的行業？"],["彭主任委員金隆：是，委員剛才提到的部分，我們可能會再向數發部請教，看要怎麼處理。"],["顏委員寬恒：從源頭來確保，好不好？因為時間很短，沒辦法做詳細說明，請再把相關資料提供給本席辦公室。"],["彭主任委員金隆：好，謝謝。"],["顏委員寬恒：謝謝。"],["主席：謝謝，請金管會用書面跟顏委員回答，謝謝顏委員。","下一位請羅明才委員質詢。"]],"agenda":{"page_end":556,"meet_id":"委員會-11-5-20-20","speakers":["吳秉叡","林德福","賴士葆","郭國文","林岱樺","劉書彬","賴惠員","李彥秀","顏寬恒","羅明才","陳玉珍","王世堅","李坤城","林楚茵","許忠信","楊瓊瓔","林思銘"],"page_start":1,"meetingDate":["2026-07-01"],"gazette_id":"1155602","agenda_lcidc_ids":["1155602_00002"],"meet_name":"立法院第11屆第5會期財政委員會第20次全體委員會議紀錄","content":"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\n報院會案；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\n部分審查總報告草案」提報院會案；三、審查本院委員吳秉叡等20人擬具「會計師法部分條文修\n正草案」案；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\n二條之一條文修正草案」等2案（詢答）","agenda_id":"1155602_00001"}}},"supported_relations":[],"relations":[]}