{"error":false,"id":["170365"],"data":{"IVOD_ID":170365,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/170365","日期":"2026-07-08","會議資料":{"會議代碼":"委員會-11-5-20-21","會議代碼:str":"第11屆第5會期財政委員會第21次全體委員會議","屆":11,"會期":5,"會次":21,"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21次全體委員會議"},"影片種類":"Clip","開始時間":"2026-07-08T11:47:23+08:00","結束時間":"2026-07-08T11:53:04+08:00","影片長度":"00:05:41","支援功能":["ai-transcript"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/4fafa81be08c8210965af07cebb56dc5203c8b184455ea81d75944b02079af30c0ae87ae6cfd03fb5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"王鴻薇","委員發言時間":"11:47:23 - 11:53:04","會議時間":"2026-07-08T09:00:00+08:00","會議名稱":"立法院第11屆第5會期財政委員會第21次全體委員會議（事由：一、審查中華民國115年度中央政府總預算案附屬單位預算營業部分，有關財政部主管臺灣土地銀行股份有限公司、財政部印刷廠、臺灣菸酒股份有限公司。（僅詢答）\n二、審查中華民國115年度中央政府總預算案附屬單位預算營業部分，有關金融監督管理委員會主管中央存款保險股份有限公司。（僅詢答）\n三、審查中華民國115年度中央政府總預算案附屬單位預算非營業部分，有關金融監督管理委員會主管：（僅詢答）\n(一)特別收入基金－金融監督管理基金。\n(二)信託基金－保險業務發展基金。\n【7月8日及9日兩天一次會】）","transcript":{"pyannote":[{"speaker":"SPEAKER_02","start":1.39784375,"end":4.21596875},{"speaker":"SPEAKER_02","start":4.519718750000001,"end":5.0259687500000005},{"speaker":"SPEAKER_02","start":5.14409375,"end":5.71784375},{"speaker":"SPEAKER_01","start":11.62409375,"end":11.640968750000003},{"speaker":"SPEAKER_02","start":11.640968750000003,"end":12.079718750000001},{"speaker":"SPEAKER_02","start":12.535343750000003,"end":14.020343750000002},{"speaker":"SPEAKER_02","start":14.138468750000001,"end":15.89346875},{"speaker":"SPEAKER_02","start":16.28159375,"end":18.03659375},{"speaker":"SPEAKER_02","start":18.45846875,"end":36.29534375},{"speaker":"SPEAKER_02","start":36.71721875,"end":56.815343750000004},{"speaker":"SPEAKER_02","start":56.899718750000005,"end":62.23221875},{"speaker":"SPEAKER_02","start":62.586593750000006,"end":77.84159375},{"speaker":"SPEAKER_00","start":69.26909375000001,"end":69.42096875},{"speaker":"SPEAKER_02","start":78.38159375000001,"end":81.60471875},{"speaker":"SPEAKER_02","start":82.27971875,"end":83.88284375},{"speaker":"SPEAKER_02","start":84.72659375,"end":87.10596875},{"speaker":"SPEAKER_02","start":87.61221875000001,"end":90.02534375},{"speaker":"SPEAKER_02","start":90.22784375,"end":93.87284375},{"speaker":"SPEAKER_02","start":94.27784375,"end":100.75784375},{"speaker":"SPEAKER_00","start":100.06596875000001,"end":100.33596875},{"speaker":"SPEAKER_02","start":101.06159375,"end":101.53409375000001},{"speaker":"SPEAKER_02","start":101.70284375,"end":109.63409375},{"speaker":"SPEAKER_02","start":109.81971875,"end":112.65471875},{"speaker":"SPEAKER_02","start":112.94159375000001,"end":115.62471875000001},{"speaker":"SPEAKER_02","start":115.96221875,"end":118.51034375},{"speaker":"SPEAKER_02","start":119.28659375000001,"end":122.15534375000001},{"speaker":"SPEAKER_02","start":123.35346875,"end":125.12534375000001},{"speaker":"SPEAKER_02","start":125.19284375000001,"end":126.50909375},{"speaker":"SPEAKER_02","start":126.96471875,"end":128.83784375000002},{"speaker":"SPEAKER_02","start":129.12471875,"end":133.02284375000002},{"speaker":"SPEAKER_02","start":133.19159375,"end":141.20721875},{"speaker":"SPEAKER_02","start":141.67971875,"end":142.99596875},{"speaker":"SPEAKER_02","start":143.19846875000002,"end":147.70409375},{"speaker":"SPEAKER_02","start":148.04159375,"end":165.92909375000002},{"speaker":"SPEAKER_02","start":165.97971875000002,"end":171.31221875},{"speaker":"SPEAKER_02","start":171.66659375,"end":192.99659375000002},{"speaker":"SPEAKER_00","start":189.95909375000002,"end":190.16159375},{"speaker":"SPEAKER_02","start":193.40159375000002,"end":194.19471875000002},{"speaker":"SPEAKER_02","start":194.97096875000003,"end":207.89721875},{"speaker":"SPEAKER_02","start":208.36971875,"end":216.65534375000001},{"speaker":"SPEAKER_02","start":217.07721875000001,"end":217.65096875},{"speaker":"SPEAKER_02","start":218.10659375,"end":218.62971875000002},{"speaker":"SPEAKER_02","start":218.71409375000002,"end":218.95034375},{"speaker":"SPEAKER_02","start":219.32159375,"end":223.52346875},{"speaker":"SPEAKER_00","start":222.29159375,"end":222.69659375},{"speaker":"SPEAKER_02","start":223.65846875000003,"end":237.12471875000003},{"speaker":"SPEAKER_01","start":237.04034375,"end":246.72659375},{"speaker":"SPEAKER_00","start":246.89534375000002,"end":247.33409375000002},{"speaker":"SPEAKER_00","start":247.87409375000001,"end":253.56096875000003},{"speaker":"SPEAKER_00","start":253.84784375,"end":257.74596875000003},{"speaker":"SPEAKER_00","start":257.91471875,"end":282.11346875000004},{"speaker":"SPEAKER_02","start":281.18534375,"end":309.85596875000005},{"speaker":"SPEAKER_01","start":310.02471875000003,"end":319.74471875},{"speaker":"SPEAKER_02","start":314.73284375000003,"end":315.59346875},{"speaker":"SPEAKER_02","start":319.96409375,"end":337.32846875},{"speaker":"SPEAKER_01","start":337.32846875,"end":339.50534375},{"speaker":"SPEAKER_02","start":337.96971875,"end":338.86409375},{"speaker":"SPEAKER_02","start":339.75846875,"end":343.08284375}],"whisperx":[{"start":1.428,"end":5.58,"text":"好謝謝主席我們請金管會彭主委"},{"start":13.113,"end":35.938,"text":"主委好今天有一個議題 詐騙詐騙的態樣非常非常多最近我們辦公室接獲一些投訴這個案子其實對於陳清仁來講 被害人來講其實真的是防不勝防"},{"start":36.838,"end":47.661,"text":"我想跟主委在這邊要提到一件事情就是現在有一些銀行他為了要加速貸款流程也希望讓他成為網路去申請那很快有的甚至在五分鐘內就可以自動撥款"},{"start":57.344,"end":81.353,"text":"但是呢这样子的一个加速贷款流程反而成为诈骗集团他可以来诈骗的一个工具成为下手的目标那你看他的最高贷款的金额还可以达到三百万好你可以看下一页这就是我的陈情人他所面临的这个状况"},{"start":82.293,"end":100.538,"text":"他是到這個網路上賣東西那買家其實這個買家根本是假的就說他的帳戶被凍結沒有辦法匯款那而且就提供一個就是國泰世華的網站那當然這個網頁根本都是假的"},{"start":101.801,"end":121.927,"text":"然後呢又提供就是這個有被害人呢就因為這個有假的這個釋華網站的這個服務人員他就提供了一個賬號給這個假的國泰釋華的客服然後非常快速的非常快速"},{"start":124.174,"end":141.032,"text":"這個就被倒領了而且最主要是這個假的國泰士華的客服還以被害人所提供的這個帳號立刻去申請這個貸款加速貸款嘛"},{"start":141.773,"end":165.671,"text":"所以短短的很短的時間之內這個被害人啊一下子就被這個帶出50萬之多好一下你看就這樣子現在因為他太方便了我剛才講他最高免財力證明非常快速最快5分鐘就給你貸款可以帶到300萬之多那我這個被害人他是一下帶了50萬好帶出來50萬短短的幾分鐘之內這50萬就被提領一空了"},{"start":171.836,"end":193.931,"text":"所以他包括他原來就是他的交易跟再加上他這樣的一個就是用這樣貸款被冒貸之後然後又被那個錢停出去那他的損失是超過一百萬元這個當然還在申訴當中可能都還走這個司法的那過程那我們也"},{"start":195.052,"end":218.358,"text":"向我們金管會來瞭解一下確實這幾年來有很多的案件都是說他申辦線上貸款但是他事實上是被詐騙是假的帳戶然後去申辦貸款非常快速的貸出來之後然後是被詐騙了他再去報案所以 主委"},{"start":219.869,"end":246.932,"text":"這個當然是原來銀行希望服務他的客戶然後讓客戶更快的拿到貸款可是他現在已經成為詐團的下手目標那請問一下你們有沒有具體的你們也知道嘛你們有沒有具體的一些防範的措施是 謝謝委員關心任何一個詐騙新的手法以及說我們整個經營需要做改善我們都非常重視我想我簡單請銀行局長把現行作為跟您說明一下好"},{"start":247.881,"end":269.98,"text":"跟委員報告在通案的部分我們在上個禮拜在上個月我們有召開總經理會議我們已經把個案的一種風險控管的漏洞點我們有不達到所有的銀行必須要去注意到如果進行這種快速核貸的過程當中會被詐團作為一個漏洞的一個點我們要求所有的銀行必須要把它治癒起來"},{"start":270.62,"end":296.381,"text":"那至於個案銀行的部分呢我們也有找相關的銀行過來溝通他們必須要回歸到整個貸款5P的一個檢視包括資金的流向都必須要去控管對我覺得本來就是啊就像我們剛才在有討論看王世堅委員討論很多的就是新清安就是銀行不是貸完款他就不管了然後這個新清安貸款有的他的流向之後他可能就是去租房子"},{"start":297.122,"end":319.518,"text":"可是像這樣子這個流向根本是詐騙集團幫他去貸這個款那銀行不能以說這個都符合相關的程序啊然後就變成說他們就完全沒有任何責任確實我已經提到就是服務效率跟安全要能夠同步的考慮這點我們已經開始採取動作而且他們已經開始在改善中"},{"start":320.029,"end":342.125,"text":"好第一個對於已經被詐騙的我覺得要積極的協助第二個不要再讓他們有這樣的空間可以上下其手把銀行推出來的一些的新的產品反而變成是圖利了炸彈好不好是好謝謝謝謝委員謝謝我們結束王宏威委員的質詢"}]}},"supported_relations":[],"relations":[]}