{"error":false,"id":["170242"],"data":{"IVOD_ID":170242,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/170242","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":"2026-07-01T12:14:41+08:00","結束時間":"2026-07-01T12:25:51+08:00","影片長度":"00:11:10","支援功能":["ai-transcript"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/10566d69eaf1b9ac9a678f6054010608ca9306fd69d22fc0b65eee6cffed319efb440351d05509a35ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"林思銘","委員發言時間":"12:14:41 - 12:25:51","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_01","start":4.95846875,"end":7.54034375},{"speaker":"SPEAKER_00","start":7.91159375,"end":9.227843750000002},{"speaker":"SPEAKER_01","start":12.36659375,"end":13.46346875},{"speaker":"SPEAKER_00","start":12.484718750000003,"end":13.277843750000002},{"speaker":"SPEAKER_01","start":13.98659375,"end":25.12409375},{"speaker":"SPEAKER_00","start":14.324093750000003,"end":14.442218750000002},{"speaker":"SPEAKER_01","start":25.22534375,"end":27.63846875},{"speaker":"SPEAKER_01","start":27.840968750000002,"end":41.37471875},{"speaker":"SPEAKER_01","start":41.69534375,"end":45.407843750000005},{"speaker":"SPEAKER_00","start":45.407843750000005,"end":45.69471875},{"speaker":"SPEAKER_00","start":46.049093750000004,"end":49.28909375},{"speaker":"SPEAKER_00","start":49.845968750000004,"end":54.62159375},{"speaker":"SPEAKER_01","start":52.00596875,"end":52.54596875},{"speaker":"SPEAKER_00","start":55.16159375,"end":55.71846875000001},{"speaker":"SPEAKER_00","start":56.14034375000001,"end":59.852843750000005},{"speaker":"SPEAKER_01","start":59.39721875,"end":61.06784375},{"speaker":"SPEAKER_00","start":60.797843750000006,"end":75.12471875},{"speaker":"SPEAKER_01","start":63.68346875,"end":64.22346875000001},{"speaker":"SPEAKER_01","start":67.31159375,"end":67.61534375000001},{"speaker":"SPEAKER_01","start":68.76284375,"end":69.37034375},{"speaker":"SPEAKER_01","start":69.94409375000001,"end":70.33221875000001},{"speaker":"SPEAKER_01","start":74.88846875,"end":80.11971875},{"speaker":"SPEAKER_00","start":78.63471875,"end":79.47846875},{"speaker":"SPEAKER_00","start":80.47409375000001,"end":88.11846875},{"speaker":"SPEAKER_01","start":88.28721875000001,"end":88.48971875000001},{"speaker":"SPEAKER_00","start":88.48971875000001,"end":89.95784375000001},{"speaker":"SPEAKER_01","start":88.50659375000001,"end":88.62471875},{"speaker":"SPEAKER_01","start":89.95784375000001,"end":97.31534375000001},{"speaker":"SPEAKER_00","start":89.99159375,"end":90.56534375000001},{"speaker":"SPEAKER_00","start":92.96159375,"end":93.43409375},{"speaker":"SPEAKER_00","start":97.39971875,"end":102.98534375000001},{"speaker":"SPEAKER_01","start":102.58034375000001,"end":103.96409375},{"speaker":"SPEAKER_00","start":103.44096875000001,"end":113.98784375000001},{"speaker":"SPEAKER_01","start":108.26721875000001,"end":108.63846875},{"speaker":"SPEAKER_00","start":114.24096875000001,"end":116.08034375000001},{"speaker":"SPEAKER_01","start":114.37596875000001,"end":117.66659375},{"speaker":"SPEAKER_01","start":117.85221875,"end":133.88346875000002},{"speaker":"SPEAKER_01","start":134.44034375,"end":147.31596875},{"speaker":"SPEAKER_00","start":147.43409375000002,"end":150.53909375},{"speaker":"SPEAKER_01","start":149.17221875,"end":150.89346875},{"speaker":"SPEAKER_00","start":150.89346875,"end":157.10346875000002},{"speaker":"SPEAKER_00","start":157.20471875,"end":158.85846875000001},{"speaker":"SPEAKER_00","start":159.29721875,"end":160.51221875000002},{"speaker":"SPEAKER_00","start":160.93409375000002,"end":166.92471875},{"speaker":"SPEAKER_01","start":166.48596875,"end":167.59971875000002},{"speaker":"SPEAKER_00","start":167.02596875,"end":167.16096875000002},{"speaker":"SPEAKER_01","start":168.32534375,"end":168.56159375000001},{"speaker":"SPEAKER_00","start":168.44346875000002,"end":168.96659375000002},{"speaker":"SPEAKER_01","start":168.96659375000002,"end":180.44159375},{"speaker":"SPEAKER_00","start":169.64159375,"end":170.82284375},{"speaker":"SPEAKER_00","start":171.46409375000002,"end":172.15596875},{"speaker":"SPEAKER_00","start":178.72034375,"end":179.36159375},{"speaker":"SPEAKER_00","start":180.13784375,"end":187.25909375},{"speaker":"SPEAKER_01","start":184.01909375000002,"end":213.48284375},{"speaker":"SPEAKER_00","start":187.49534375000002,"end":187.54596875000001},{"speaker":"SPEAKER_01","start":213.95534375000003,"end":228.53534375},{"speaker":"SPEAKER_00","start":229.05846875,"end":233.98596875},{"speaker":"SPEAKER_01","start":233.98596875,"end":234.93096875},{"speaker":"SPEAKER_00","start":235.33596875,"end":241.41096875000002},{"speaker":"SPEAKER_01","start":239.47034375,"end":246.86159375000003},{"speaker":"SPEAKER_00","start":243.60471875000002,"end":244.21221875},{"speaker":"SPEAKER_01","start":247.11471875,"end":257.10471875},{"speaker":"SPEAKER_01","start":257.96534375,"end":260.19284375},{"speaker":"SPEAKER_00","start":260.19284375,"end":263.53409375},{"speaker":"SPEAKER_01","start":261.00284375,"end":261.74534375},{"speaker":"SPEAKER_01","start":263.53409375,"end":271.87034375},{"speaker":"SPEAKER_00","start":264.20909375,"end":265.79534375000003},{"speaker":"SPEAKER_00","sta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請我們金管會彭主委請金管會彭主委"},{"start":12.563,"end":40.224,"text":"主委早 主委媒體報導說金管會預計在7月17日召開全體銀行獨立董事的洽談來洽談兼任利益迴避的觀念銀行局的副局長回應表示說這會議很早之前就已經規劃並非是因為國泰的案子才特別召開我想我聽副局長這樣的一個說法感覺金管會都有一直注意這個問題"},{"start":41.772,"end":54.253,"text":"那請問這樣的會議,金管會過去有舉辦過嗎?跟委員報告好,就實際上我們第一個先金控先行那個會議是我親自主持,我知道就等於說我們大概應該在四月嗎?"},{"start":55.259,"end":79.869,"text":"三月就是我們就邀集了所有金控的獨董來三月就有舉辦過一次就是我們前面我們第一個就按照我們的規定就是先請獨董先請金控的獨董下一階段我們會邀請銀行的獨董接下來再看那個情況我們會擴及到其他這個確實是這樣因為我們也希望說是過去都一直有在舉行這樣的會議還是說只有今年才開始"},{"start":80.569,"end":95.48,"text":"其實跟委員報告在過去金管會在很多年以來就有些事項都已經請獨董在協查所以不是例行性的一個會議發覺有什麼事情的時候才特別去邀請他們來舉辦這個會議"},{"start":97.621,"end":117.05,"text":"這次的會議應該是我們額外針對 針對獨董嘛銀行的獨董額外針對的嘛對 但是就是說我們希望獨董扮演更積極更公正更獨立的角色這件事情在過去我們並沒有把它制度化這次的話我們就期待怎麼提升整個公司治理對主委其實我想說的是說"},{"start":118.03,"end":132.859,"text":"既然副局長說這個會議很早就在規劃了你看一場金管先從這個金控先做那是否表示說金管會都已經察覺有一些異狀不管是金控或者是銀行"},{"start":134.48,"end":158.394,"text":"那也就是說不只不光是這次我們被爆的國泰世華銀行董事長那個郭董事長的兼職的案子軍管會是不是也有發現其他的案子也有類似的一個情況沒有 就跟文報告其實其實過去我們一直比如說幾年前大家都很在意的像我們的一些比如說一些大股東"},{"start":161.175,"end":171.758,"text":"處理公司的事情我們就曾經請過獨董來做一些協查等於說過去就已經有了目前我們除了國內監控這個案子以外還有沒有其他案子目前我們還沒有利用獨董去發函請按照我們上次的作業我們也希望沒有"},{"start":188.061,"end":204.513,"text":"另外台灣人受暴內鬼案內部的陽性女員工利用救收費系統的漏洞四年間共A走了保護1658萬還涉嫌侵占公司用於客訴補償的7-11旅券944張這些旅券的侵占儘管會是在23號才從媒體的報導才得知"},{"start":214.062,"end":228.293,"text":"而國泰世化銀行董事長的兼職案呢造成旗下發行的八檔基金淨值重算以及權委賬戶和共同基金賠償投資人的損失我想請問主委這個損失大概是多少"},{"start":229.593,"end":256.349,"text":"這個齁 因為他們有對外揭露的部分呢就是剛剛委員提到那個數字啊是 六億對 就是有兩個權委跟投信基金兩部分所以損失大概六億嘛 相近九億多十億是 九億到十億喔兩個部分 九億到十億我想這個 主委喔這個同樣不是金管會主動調查而發現而是國泰金控的股東發出聲明才知道"},{"start":258.021,"end":279.049,"text":"所以金管會啊這個是剛剛那個金管會主動揭露在網站他主動揭露因為他必須要揭露所以我們是會讓人感覺說金管會是不是對金檢這個部分是後知後覺啊也跟委員報告剛剛很多委員關心過這個問題因為他是一個重大偶發通報"},{"start":280.369,"end":309.369,"text":"這是他主動來通報通常我們檢查就是說我們都不知道我們要靠檢查才知道這件事情我們已經知道這件事情但是他的全貌我不知道我一定是不見得一定要馬上派經紀人進駐去查但是我會請你提供更進一步我會問你很多問題請你要好好的跟我們說明去釐清或請你到我們這邊來好好說明或是正式發函請你就是所謂我們的那個請你來說明你的違規事項的申辯"},{"start":310.469,"end":330.662,"text":"這些都是我們整個流程所以是不是我們一驚覺有風吹草動一聽到這個風聲馬上我們就去做精檢那當然啦 這個就是我們的我們在檢體機關比誰都更在意這件事情但是該 主委因為我剛才聽到您好像一直回答說我們要充分掌握各種資訊之後充分掌握事實我們才會這個啟動一個精檢的動作是這樣嗎"},{"start":334.104,"end":349.595,"text":"不是這樣我想委員那個您在過去這個法律這個過程你非常清楚知道比如對方已經跟我通報有這件事情的時候我一定看你那個通報一定是你就要去注意了當然當然就是我們接下來這個通報我們就會去"},{"start":350.676,"end":370.431,"text":"問他要提供更多的資料 他通報只是一個很粗略說發生這件事情詳細的內容你必須要具信名義告訴我們所以主委 這個也是我希望政府會要做的就是在調查 直到我們一直到有這樣的一個風聲洩漏的時候你們知覺之後 應該立即介入調查 立即介入經檢"},{"start":373.605,"end":384.918,"text":"不是說這個後知後覺等到事情全部爆發了你才說事情都已經發生了這個嚴重的一個損失了才去查這樣的效益我們不曉得這樣的能夠達成什麼效益"},{"start":387.541,"end":411.56,"text":"不是 跟委員報告 其實我們一路來查 查只是有沒有由我們檢察局的人員去進駐檢查這是其中我們一個查的一個方法之一我們不是唯一查的方法就要靠檢察局的人員檢查我們有很多種方式可以去查是 主委我還是希望說我們金管會就是對各種為了防堵各種弊端 這些這個尤其我們銀行或者是"},{"start":412.42,"end":439.545,"text":"監控這些內部員工的一些或者是這些督動有任何弊端的產生我們可能要更精進我們的一個精簡的一個方式對 我們其實是委員會想更積極介入調查好不好我們每次案件我覺得如果我們做不好我們絕對虛心檢討對 才能防堵這些弊端的發生但是我們的目的是希望說這個事情不要再有第二件好 OK 我們也希望這絕對不能再允許這樣的事情發生"},{"start":440.945,"end":465.26,"text":"所以另外台股昨天收在46125點又再次單日超過1000點許多民眾爭相開戶成為這個股民也許多的投資人計畫趁這一波的行情大好的時機來翻身因此開始以房貸信貸股票質押融資等方式來加碼投資股市形成世代同堂的現象"},{"start":466.661,"end":483.449,"text":"當然我們現在看到現在市場已經不是只有四代了已經從四代同堂再進化成六代同堂已經是槓桿再加槓桿我們看到近期的報導指出金管會已經針對四代同堂畫出兩大監理的紅線"},{"start":484.87,"end":500.335,"text":"一個是業務成長異常另外一個是風險指標顯著變化只要採線就可以啟動的專案精簡金管會也表示目前相關數據仍屬正常範圍尚未達到專案精簡的一個條件"},{"start":501.195,"end":527.96,"text":"我想請教主委根據證交所在今年5月公布的資料全台總開戶人數高達1433萬2000多人逼近1500萬的大關其中0到19歲的開戶人數高達75萬人可謂是全民投資的大理財時代的來臨所以我們6月份這是5月份的資料6月份的最新統計資料出來了嗎"},{"start":529.281,"end":548.873,"text":"我們的股民有多少?現在已經這個人數有多少?對,今天新聞有出來,交易所1440萬左右五月份就這個數字,六月份還是這個數字啊?就是我們最新剛公佈沒有增加,沒有增加,好那再請問"},{"start":551.63,"end":554.991,"text":"兩條紅線的標準範圍為何這標準關於業務成長異常還有所謂的風險指標顯著變化你如何來界定"},{"start":566.076,"end":594.775,"text":"對我想這個其實銀行也好券商也好我們基本上我們在過去的我們在管理上都有一套希望他做好風險管理的機制就像我們都知道以前大家都知道DBR22倍的概念就是說剛剛講市場上說四代五代六代那當然是大家覺得是說明其實我們都有持續在監控多重貸款的狀況那這部分我們都是會而且我們也"},{"start":595.555,"end":609.591,"text":"按照例行性不斷會提醒我們金融機構要做好你自己的風險管理也要更積極的幫你的客戶做好風險管理我想這是一個金融機構該做的事情所以主委金管會看的"},{"start":610.892,"end":624.946,"text":"應該不是只有單一金融機構或單一商品或單一指標的這樣的一個現象那當然我們對六代同堂的問題實際上是銀行還有跨建商、跨政經、跨期貨端的總槓桿的風險"},{"start":627.148,"end":652.604,"text":"一個人的投資可能在銀行端他有房貸他有理財型房貸有信貸有車貸在券商端他有股票質押不限定用途的這個貸款的一個借款融資對單價銀行來看可能還在收信範圍內嘛對單一券商來看可能還有單跑品但全部加起來啊單一投資者的現金流可能已經碰到極限了遠遠超過負擔的範圍"},{"start":654.926,"end":667.162,"text":"謝謝文提醒其實我們做一個金融監理比誰都在意這件事情所以我是覺得這個請教我們去密切去關切我們有一套機制正在監控跟防控謝謝"}]}},"supported_relations":[],"relations":[]}