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商場費也領不出來"},{"start":198.032,"end":214.325,"text":"那麼銀行的櫃台也常常出現民眾會錢給小孩的學費結果因此也會顯示異常那這樣子的金融體系為了防弊結果搞了半天民眾便利成為這樣子的一個成本這樣子是不是有點矯枉過正"},{"start":215.766,"end":230.972,"text":"所以目前銀行導入的一些AI模型將快進快出或者是多比的小額視為高風險但是有一些職業像外送員網拍或短租的一些弱勢族群的典型的金流就導致"},{"start":231.932,"end":250.925,"text":"人民生活的一個困難所以有一些警戒人士其實也警告那個銀行如果管太嚴那這些弱勢族群就被迫要去跟地下金融機構來借錢反而助長了高利貸的一個的事業那也有一些洗錢的疑慮因此本席在這邊要談的是那麼銀行房價是不是過度嚴苛"},{"start":254.808,"end":269.287,"text":"結果產生了一種新的風險那本席要請教你們是不是有盤點金管會是不是有盤點各家銀行目前導入AI風險的模型那你們有沒有來要求銀行來調整一下預防性凍結的一個標準"},{"start":270.709,"end":294.714,"text":"然後將賬戶限制處分的範圍更聚焦在真正可能的詐騙犯而不是日常金融往來的民眾目前每家銀行的標準差異也很大民眾沒有辦法知道金管委員你們是認為這樣合理嗎第二個部分是民眾如果要解鎖賬戶因為已經造成大家生活的麻煩結果銀行端還要求提供金流的來源"},{"start":295.194,"end":301.756,"text":"那從生活費到聚餐到社團的贊助都要舉證那麼經管會你們是不是認為這樣舉證其實對民眾來講有過度負擔變成銀行將打詐的責任轉嫁給民眾所以第三個是那目前相關銀行凍結了民眾的這個帳戶"},{"start":316.181,"end":330.227,"text":"那救濟的機制是怎麼樣呢那最後一個是那你們是不是要要求銀行來重新評估那麼AI模型對於弱勢族群的一個歧視那目前的交易模式推斷打擊其實有點過廣"},{"start":331.107,"end":355.863,"text":"那我们刚才讲到的外送员长者小商家只是金融体系的一般使用者他们不是诈团成员也相对弱势打诈是必要但是打错对象就会变成伤害那助长其他类型的犯罪目前银行的AI不是智慧侦测看起来像是全面扫射结果防诈变成了防民风险控管结果变成了老民"},{"start":356.844,"end":379.074,"text":"那您的看法謝謝委員關心這個議題那這個案件最主要的背景是因為銀行的警示賬戶一直不斷的飆升從111年開始每一個月大概平均增加的警示賬戶大概有2000到3000戶所以從今年開始我們有加強要求銀行必須要去正視這個問題那也提出了相關的一個指導方式那當然部分"},{"start":379.534,"end":400.595,"text":"所以你們有針對剛才本席那個部分有啟動一些機制嗎?還是這是因為幾年來一直有這樣的情況所以你們要求他們要針對這些帳戶去做一些警示而產生了這些老民的狀況呢?各位委員包括最主要是因為警示帳戶飆升的這個議題所以我們在今年有要求金融機構必須要去強化它的風險控管"},{"start":401.616,"end":428.663,"text":"那因為有少部分的銀行他本身的警示賬戶數是比較高所以他為了要趕快降低他的這個警示賬戶數結果看起來是你們要求一些績效結果他們就趕快為了要符合這個績效結果搞得很老民應該不是說績效我們最主要是要強化銀行在偵測警示賬戶這邊的一個能力風險偵測的能力所以有少部分的銀行所以導致這樣子的狀況你們是不是可以"},{"start":429.683,"end":449.771,"text":"趕快做個處理尤其是最近普發現金這個問題才又爆出來嘛對不對就很大量的爆出來是 各位委員報告就是說我們先前有了解有少數的銀行它的確導入AI它把相關的風景的參數就是預警的參數它設的比較嚴比較敏感所以導致一些民眾的部分它就被設為預控"},{"start":451.272,"end":470.943,"text":"好的 那謝謝時間關係我這邊趕快做一個建議然後你們也趕快提出一些相關報告好不好因為現在正在發生很多被普發現金一萬塊的目前卡住了然後這個卡住不是只有卡住那一萬塊會卡住整個戶頭所以是不是這個部分能夠趕快了解做個處理第二個部分你們有沒有做一個全面的檢討你們為了解決那個警示帳戶的問題結果現在產生這個新的問題而且目前很大量然後常常衝擊的都是比較弱勢"},{"start":477.546,"end":505.352,"text":"相對弱勢的族群所以你們是不是可以在一個月內提出相關的檢討給本席我們會有書面報告給委員但是我先跟委員報告一萬塊的部分我們已經通令銀行清查沒有去涉到這一萬塊所以一定要就是如果有今天民眾因為他是這個時候我們都看到了相關的報導而且相關的反應所以這個部分如果有就麻煩你們即刻處理那不要因為這樣一個項目而導致全面的被凍結"},{"start":506.072,"end":529.16,"text":"好不好 這個我們有清查過謝謝 謝謝 本席因為時間的關係就是個案請你們趕快處理然後相關的全面性的你們為了因應的那個警示帳戶的問題而導致的其他問題也請你們做一個整體的檢討 好不好我們已經有召開會議 銀行都有採取相關的措施好 謝謝 那接下來本席 請速發部 調查局 警政署 打詐指揮中心指揮官的代表"},{"start":534.656,"end":562.926,"text":"接下來本席要談的是這個AI生成的詐騙廣告現在非常的泛亂然後以假亂真的取材已經成為新型的國安問題我想各位應該都同意吧那麼目前我們你們經常拿這個各單位經常拿出相關的統計數據然後看起來好像是做得OK但事實上民眾感受不到然後就如同剛才本席所講的今天我們會站在這邊質詢是民意代表的職責"},{"start":564.286,"end":581.579,"text":"雖然你們可以拿一些數據來做佐證但是最重要的是民眾個案的切身感受其實是最大的一個影響所以根據165的儀表版的統計10月份平均每天要受理441件的詐騙案那麼財損大概接近2億"},{"start":585.802,"end":599.748,"text":"但是詐騙手法這其實本席在之前就知道了但是現在非常嚴重詐騙的手法已經全面跟AI技術結合那刑事局這邊也公佈四大類的假名人詐騙手法包括假名人證書"},{"start":601.149,"end":629.988,"text":"假名人賣保險品假名人投資群組那本席認為的很重要的而且很嚴重的是AI生成的偽造名人短影音那我在這邊提醒Glock的整個生成式的影片還有AI語音模型的發展已經讓詐騙廣告的擬真其實讓民眾是沒有辦法辨別的這個情況不是只有很像本人而是事實上真的像本人"},{"start":630.868,"end":656.027,"text":"所以本席其實有看過黃國昌委員館長等名人的AI身為訪談內容被作為推廣加密貨幣的平台去年陳建仁院長在受質詢的時候本席也看到有委員做的AI擬真他也幾乎都被騙過了這個就在你我身邊都可能發生我們自己都有可能碰到"},{"start":656.607,"end":684.625,"text":"好所以呢那最近呢這些東西都還在那個Thread或者是網友截取會做一些流傳那看起來也是本人聲音也是本人沒有辦法查證一下機率我們會誤信的機率非常的高所以連作家吳淡如都表示他應該是被速發目前列為全台最容易被仿冒的名人之一那我想對他來講也是不勝其老所以本席要請教各位"},{"start":685.586,"end":709.833,"text":"各部會 那請問對於AI偽造名人的這個廣告那第一個部分 速發部目前你們的措施是如何啦那目前在平台的一個強制下的機制運作的一個狀況跟跨國族群的企業合作的狀況是不是有比較暢通那還有現在詐騙的短音影音都放在Facebook我們常用嘛然後Instagram還有Straight YouTube x Twitter"},{"start":710.373,"end":737.141,"text":"TikTok那我們是不是已經跟Meta或者是Google還有TikTok這些海外的企業簽訂對偽造名人影音內容的一個合作協定蘇發布謝謝委員的質詢有關於這個就是說名人偽造的這個部分呢其實事實上我們在我們列館的這個四大業者跟七大平台裡面我們大概都已經有就是做好這樣子的一個聯繫"},{"start":738.055,"end":754.387,"text":"那並且呢就是針對這個剛剛提到這個微影音的這樣子一個部分因為如果是用AI生成的這個依照照圍條例的相關的規定其實事實上是必須要做揭露的那當然其實剛剛委員有提到說有很多他可能其實他也不大清楚"},{"start":754.807,"end":768.919,"text":"那可以透過我們的網站通報查詢網可以去做一個通報我們一旦確認以後我們就會立刻去進行下降這個問題其實真的還蠻嚴重的你知道一些長者要經過這些步驟其實也真的是還有一段距離"},{"start":770.96,"end":786.168,"text":"好 那另外我想請教一下這個調查局還有警政署目前對於這個假名人的AI詐騙有沒有專案的一個偵辦那麼它其實是一種混合型的新型態那你們有沒有針對這個部分成立這個相關的專案小組"},{"start":787.349,"end":802.405,"text":"有 我們刑事局有成立專案小組對這個部分我會主動去做搜尋那其實有人剛剛講的很有道理就是說這個都是在詐欺之前的那個源頭在廣告平台裡面的這個狀況嘛所以這個應該是所有詐騙裡面是最重要的"},{"start":802.885,"end":817.189,"text":"那每一個最新型的這些的相關的這個詐騙的AI生成的這個模式我們第一時間大概就掌握那會去做搜尋搜尋完之後會做下架停止解析那這些廣告平台如果沒有依照規定來做我們還是會移給蘇發部來做採訪"},{"start":821.65,"end":837.54,"text":"其實最終還是在這個整個的一個網路廣告平台的這個自主的這個管理他們的這個部分是最重要的每次碰到這種問題那各部會就說就是警政署負責的那很多東西就都你們負責的你們在第一線其實很辛苦但是本期今天也要提的我們其實打詐是整個團隊那我們當然是會主動有專門小組會再去做這樣所以剛剛這個委員所提的這裡面的證書那個健保假名人的這些廣告或是這些生成的這些影片"},{"start":850.669,"end":874.241,"text":"感覺他們生存的這個速度都趕不上你們去查核然後下架的速度怎麼辦我們當然就是說就是像這些有一些都是跨境的投放的這個狀況那當然最重要就是網路廣告平台的這一些的業者他們要去做這一些本身的自製跟集合那有一些是今天下架完之後明天再變成一個不同的"},{"start":874.821,"end":893.75,"text":"已經是一個還蠻無法自治跟自律的一個所以你可以看到就像比如講像我可以公開講那個Meta的這個或者是這些那個FB的這些狀況是最嚴重的所以其實現在速度那麼快我們如果還停留在這個平台要自治然後民眾自己要小心那這個已經有詐謗條例可以去做規範跟處罰"},{"start":894.89,"end":910.145,"text":"對我們來講都是法然後都是條例但對民眾來講就是生活我們怎麼樣過得簡單一點在我們當有這麼多技術這麼多科技這麼多平台協助的情況下還有這麼多部會的參與結果大家生活得越來越辛苦好了我們知道警政署是很辛苦"},{"start":911.466,"end":927.539,"text":"各部會 跟這些主題 其實跟大家都有關不管是前段 中段 後段 我想在你們的經驗裡面 應該都有很多處理的經驗在這個經驗裡面 我認為應該有更積極的一些作為我們知道警政署很辛苦 本席問的很多的問題"},{"start":928.3,"end":952.126,"text":"到最後要馬衛福部負責要馬警政署負責那不好意思法務部相關的你們應該有一些經驗所以在跨平台處理的時候我覺得應該要整體連通然後速度跑得比犯罪快一點這樣我們就不會一直在後面追趕好謝謝警政署啦我最後講一下就是這個基本上就是司法院跟那個法務部謝謝那個沒有相關的就請回"},{"start":953.257,"end":969.704,"text":"那我接下來談的是詐騙案的這個爆量然後跟第一線人員的這個問題那很快那麻煩各位請回那司法院法務部我們請相關的代表這邊還是來提一下本席關心很久了每一次都提就是司法院第一線人員的處境"},{"start":971.144,"end":976.405,"text":"我們也知道大家現在面臨最多的就是詐騙案整個司法體系已經超載了不僅是承辦人員的人力不足制度面本身也很難去因應這樣結構性的問題本席也提出一些建議你們可不可以在程序上做一些調整比如說減輕司法人員的負擔有沒有可能 例如"},{"start":994.99,"end":1009.941,"text":"擴大認罪協商制度的適用範圍可以減少除外的範圍擴大可協商的範圍這個部分是不是就可以制度性的或結構性的減輕第一線人員的一些負擔"},{"start":1011.523,"end":1032.123,"text":"因為詐騙案每年都超過數十數萬 十數萬件對司法的能量其實蠻耗費的所以目前整體的刑案量就是詐騙的刑案量非常大第一線檢察官 書記官 法官都過勞但是我們目前沒有辦法直接處理這些很快的處理這些問題"},{"start":1033.164,"end":1062.077,"text":"所以有沒有可能本席這邊建議啦對於放寬認罪協商的一個程序可以用程序改革來減輕司法的一個負擔然後來減輕第一線人員我們知道我們常常在增聘人員但是是不是可以研議看看讓這個證據明確而且犯罪樣態非常清楚的犯罪可以更彈性來運用本席上面所講的一些程序檢疫處理的這個方法呢你們是不是可以研議呢"},{"start":1065.517,"end":1080.2,"text":"現在委員關心這個議題我關於司法人員的負擔部分我們非常非常的沉重本席每一次都會提這個那今天就提出這樣一個可能的方式在法制上我們就像關於詐欺案件的部分我們就擴大所謂的獨任審判的範圍把原先需要合議的案件把它減少讓獨任的審判案件把它擴大到所有的詐欺案件都可以獨任審判"},{"start":1090.163,"end":1111.1,"text":"那這部分我們也經過法務部這邊也有同意那邊我們新的那個詐毀條例已經有做類似的修正那把人解放出來 把何義廷原先綁三個法官來審理之後 變成獨任法官就要審理至於協商的部分 我們也有在注意到這個是原先他有做一個除外規定就是死刑無期徒刑三年以上有期徒刑把他除外我們希望人"},{"start":1112.381,"end":1127.049,"text":"底線 門檻的部分把它變成最重本稅最新本期改成五年以上的話可以擴大協商的範圍這是時間關係啦你們是把相關報告送到本期的辦公室那本期也是要檢視一下我們對整個國際的趨勢在你們這些方法上有沒有符合一個國際這個比較相對彈性而且對於人權也是有一些關注跟保護的一個方向好不好好 謝謝"},{"start":1143.621,"end":1143.802,"text":"謝謝林委員"}],"gazette":[{"speaker":"林委員倩綺","start":"2025-11-19T10:52:33.369000+08:00","guessed":false,"end":"2025-11-19T10:52:43.378000+08:00","text":"謝謝主席，本席先導一下言，請金管會做一下準備。","quality":1},{"speaker":"林委員倩綺","start":"2025-11-19T10:52:43.378000+08:00","guessed":false,"end":"2025-11-19T10:53:05.712000+08:00","text":"我們今天在這邊是針對太子集團整個跨國犯罪引發各界譁然，但是今天的詢答，剛才本席聽了很多的數字還有一些報告，其實民意代表在這邊就是反映民眾的觀點，我們期待行政單位你們在回應上可以多一些對民意的同理，因為你們掌握公權力，也有相關的專業。","quality":0.817},{"speaker":"林委員倩綺","start":"2025-11-19T10:53:09.953000+08:00","guessed":false,"end":"2025-11-19T10:53:46.175000+08:00","text":"剛才我們講到名次或報告，但重點是現在許多民眾有苦說不出，被坑殺了也無語問蒼天，結果看到那麼大的案子，現階段的處理可能讓大家有一些疑慮，這些案子也引發了很多擾民的政策，所以本席今天要在這邊為一些民眾請命，因此接下來我們就請金管會，銀行局局長有在嘛？","quality":0.947},{"speaker":"林委員倩綺","start":"2025-11-19T10:53:46.335000+08:00","guessed":false,"end":"2025-11-19T10:53:46.495000+08:00","text":"童局長。","quality":1},{"speaker":"主席","start":"2025-11-19T10:53:47.536000+08:00","guessed":false,"end":"2025-11-19T10:53:47.556000+08:00","text":"請局長。","quality":1},{"speaker":"童局長政彰","start":"2025-11-19T10:53:53.049000+08:00","guessed":false,"end":"2025-11-19T10:53:53.049000+08:00","text":"委員好。","quality":0.333},{"speaker":"林委員倩綺","start":"2025-11-19T10:53:54.290000+08:00","guessed":false,"end":"2025-11-19T10:53:54.290000+08:00","text":"童局長，謝謝。","quality":0.4},{"speaker":"林委員倩綺","start":"2025-11-19T10:53:57.773000+08:00","guessed":false,"end":"2025-11-19T10:54:19.451000+08:00","text":"我想您這邊應該也都有收到一些訊息，最近普發1萬有一個方式就是讓民眾利用銀行帳戶來領取，但是又引發了愈演愈烈的問題，銀行帳戶無預警會被凍結，許多民眾因此就產生了一些問題。","quality":0.923},{"speaker":"林委員倩綺","start":"2025-11-19T10:54:21.952000+08:00","guessed":false,"end":"2025-11-19T10:54:50.961000+08:00","text":"這個問題請你們多加注意，因為其實很多民眾沒有涉詐，但因為銀行導入的AI風險控制模型過於敏感，結果被列為預防性凍結的對象，導致不能提款、不能轉帳，生活因此而完全停擺，結果銀行又常常把這樣的風險責任丟給民眾，把負擔也丟給民眾，這樣子的制度是不是走偏，也應該開始做一些處理跟調整？","quality":0.984},{"speaker":"林委員倩綺","start":"2025-11-19T10:54:51.501000+08:00","guessed":false,"end":"2025-11-19T10:55:06.004000+08:00","text":"本席舉幾個例子，有個行業叫外送員，他因為常常有多筆的小額收入，結果竟然遭凍結而兩週不能提款，他為了付房租差點去借高利貸。","quality":0.909},{"speaker":"林委員倩綺","start":"2025-11-19T10:55:06.004000+08:00","guessed":false,"end":"2025-11-19T10:55:12.286000+08:00","text":"你們雖然聽起來覺得很離譜，可是小市民的生活就是這樣，很多時候那個時間是不容毫秒的差異。","quality":0.95},{"speaker":"林委員倩綺","start":"2025-11-19T10:55:14.886000+08:00","guessed":false,"end":"2025-11-19T10:55:18.567000+08:00","text":"另外，有一些民眾跟朋友聚餐在分帳，社團的小額匯款總額不到5萬塊，結果也被當成疑似人頭帳戶。","quality":1},{"speaker":"林委員倩綺","start":"2025-11-19T10:55:18.567000+08:00","guessed":false,"end":"2025-11-19T10:55:19.947000+08:00","text":"有一些長者為了領取敬老金而開戶，因為半年沒有動用存款，結果又被郵局凍結。","quality":0.939},{"speaker":"林委員倩綺","start":"2025-11-19T10:55:19.947000+08:00","guessed":false,"end":"2025-11-19T10:55:21.467000+08:00","text":"有一些家屬繼承了500萬，帳戶遭凍結了8個月，導致醫藥費、喪葬費也領不出來。","quality":0.933},{"speaker":"林委員倩綺","start":"2025-11-19T10:55:44.553000+08:00","guessed":false,"end":"2025-11-19T10:55:50.397000+08:00","text":"銀行櫃檯也常常出現民眾匯小孩的學費，結果卻因此而顯示異常。","quality":0.852},{"speaker":"林委員倩綺","start":"2025-11-19T10:55:51.658000+08:00","guessed":false,"end":"2025-11-19T10:56:00.305000+08:00","text":"金融體系為了防弊，結果搞了半天，成為了民眾的成本，這樣是不是有點矯枉過正？","quality":0.909},{"speaker":"林委員倩綺","start":"2025-11-19T10:56:02.006000+08:00","guessed":false,"end":"2025-11-19T10:56:35.725000+08:00","text":"目前銀行導入了一些AI模型，將快進快出或多筆小額視為高風險，但是有一些職業，像外送員、網拍或短租的一些弱勢族群的典型金流……導致人民生活上的困難，所以有一些警界人士也警告，銀行如果管太嚴，這一些弱勢族群就被迫要跟地下金融機構借錢，反而助長了高利貸的事業，也有一些洗錢的疑慮。","quality":0.96},{"speaker":"林委員倩綺","start":"2025-11-19T10:56:35.725000+08:00","guessed":false,"end":"2025-11-19T10:56:43.292000+08:00","text":"因此本席在這邊要談的是，銀行防詐是不是過度嚴苛，結果產生了一種新的風險？","quality":0.939},{"speaker":"林委員倩綺","start":"2025-11-19T10:56:43.412000+08:00","guessed":false,"end":"2025-11-19T10:56:47.197000+08:00","text":"本席要請教，金管會是不是有盤點？","quality":1},{"speaker":"林委員倩綺","start":"2025-11-19T10:56:47.197000+08:00","guessed":false,"end":"2025-11-19T10:56:55.267000+08:00","text":"各家銀行目前導入AI風險模型，你們有沒有要求銀行調整一下預防性凍結的標準？","quality":1},{"speaker":"林委員倩綺","start":"2025-11-19T10:56:57.529000+08:00","guessed":false,"end":"2025-11-19T10:57:05.171000+08:00","text":"將帳戶限制處分的範圍更聚焦在真正可能的詐騙犯，而不是日常金融往來的民眾。","quality":0.971},{"speaker":"林委員倩綺","start":"2025-11-19T10:57:05.171000+08:00","guessed":false,"end":"2025-11-19T10:57:12.072000+08:00","text":"目前每家銀行的標準差異也很大，民眾沒有辦法知道，金管會認為這樣合理嗎？","quality":0.969},{"speaker":"林委員倩綺","start":"2025-11-19T10:57:12.072000+08:00","guessed":false,"end":"2025-11-19T10:57:27.136000+08:00","text":"第二個部分，因為已經造成大家生活上的麻煩，民眾如果要解鎖帳戶，結果銀行端還要求提供金流的來源，從生活費到聚餐到社團的贊助都要舉證，金管會會不會認為這樣的舉證其實對民眾來講有過度負擔，變成銀行將打詐的責任轉嫁給民眾？","quality":0.86},{"speaker":"林委員倩綺","start":"2025-11-19T10:57:27.236000+08:00","guessed":false,"end":"2025-11-19T10:57:43.662000+08:00","text":"第三個，目前相關銀行凍結了民眾的帳戶，其救濟的機制是如何呢？","quality":0.889},{"speaker":"林委員倩綺","start":"2025-11-19T10:57:44.322000+08:00","guessed":false,"end":"2025-11-19T10:57:53.386000+08:00","text":"最後一個，你們是不是要要求銀行重新評估AI模型對於弱勢族群的歧視？","quality":1},{"speaker":"林委員倩綺","start":"2025-11-19T10:57:53.506000+08:00","guessed":false,"end":"2025-11-19T10:58:11.457000+08:00","text":"目前交易模式的推斷，打擊其實有點過廣，像我們剛才講到的外送員、長者、小商家都只是金融體系的一般使用者，他們不是詐團成員，也相對弱勢，打詐是必要，但是打錯對象就會變成傷害，也助長其他類型的犯罪。","quality":0.721},{"speaker":"林委員倩綺","start":"2025-11-19T10:58:11.977000+08:00","guessed":false,"end":"2025-11-19T10:58:23.524000+08:00","text":"目前銀行的AI不是智慧偵測，看起來像是全面掃射，結果防詐變成了防民，風險控管變成了擾民，請問您的看法？","quality":0.696},{"speaker":"童局長政彰","start":"2025-11-19T10:58:24.225000+08:00","guessed":false,"end":"2025-11-19T10:58:45.054000+08:00","text":"謝謝委員關心這個議題，這個案件最主要的背景是因為銀行的警示帳戶一直不斷地飆升，從111年開始，每一個月平均增加的警示帳戶大概有2,000到3,000戶，所以從今年開始，我們有加強要求銀行必須要去正視這個問題，也提出了相關的指導方式，當然部分銀行……","quality":0.933},{"speaker":"林委員倩綺","start":"2025-11-19T10:58:45.634000+08:00","guessed":false,"end":"2025-11-19T10:58:49.178000+08:00","text":"你們針對剛才本席提的那個部分有啟動一些機制嗎？是……","quality":0.87},{"speaker":"林委員倩綺","start":"2025-11-19T10:58:49.178000+08:00","guessed":false,"end":"2025-11-19T10:58:58.667000+08:00","text":"還是因為這幾年來一直有這樣的情況，所以你們要求他們要針對這些帳戶去做一些警示，而產生了這些擾民的狀況呢？","quality":0.959},{"speaker":"童局長政彰","start":"2025-11-19T10:58:59.348000+08:00","guessed":false,"end":"2025-11-19T10:59:17.779000+08:00","text":"跟委員報告，最主要是因為警示帳戶飆升的議題，所以我們在今年有要求金融機構必須要去強化其風險控管，因為有少部分銀行本身的警示帳戶數比較高，所以他們為了要趕快降低他們的警示帳戶數，因此他們……","quality":0.862},{"speaker":"林委員倩綺","start":"2025-11-19T10:59:17.959000+08:00","guessed":false,"end":"2025-11-19T10:59:24.200000+08:00","text":"看起來是你們要求一些績效，他們為了要趕快符合這個績效，結果搞得很擾民。","quality":0.906},{"speaker":"童局長政彰","start":"2025-11-19T10:59:25+08:00","guessed":false,"end":"2025-11-19T10:59:32.542000+08:00","text":"應該不是說績效，我們最主要是要強化銀行在偵測警示帳戶的風險偵測能力，所以有少部分的銀行……","quality":0.976},{"speaker":"林委員倩綺","start":"2025-11-19T10:59:33.062000+08:00","guessed":false,"end":"2025-11-19T10:59:36.503000+08:00","text":"導致這樣子的狀況，你們是不是可以趕快做個處理？","quality":1},{"speaker":"童局長政彰","start":"2025-11-19T10:59:36.503000+08:00","guessed":true,"end":"2025-11-19T10:59:37.604000+08:00","text":"有，我們先前就……","quality":0},{"speaker":"林委員倩綺","start":"2025-11-19T10:59:37.604000+08:00","guessed":false,"end":"2025-11-19T10:59:41.285000+08:00","text":"尤其是最近普發現金，這個問題才又爆出來嘛，對不對？對。","quality":0.957},{"speaker":"林委員倩綺","start":"2025-11-19T10:59:41.285000+08:00","guessed":false,"end":"2025-11-19T10:59:42.666000+08:00","text":"就很大量的爆出來。","quality":1},{"speaker":"童局長政彰","start":"2025-11-19T10:59:43.106000+08:00","guessed":false,"end":"2025-11-19T10:59:55.751000+08:00","text":"跟委員報告，我們先前有了解，的確有少數的銀行導入AI，他們把相關的風險參數，就是預警參數設得比較嚴、比較敏感，所以導致一些民眾就被設為預控，而預控最主要的……","quality":0.8},{"speaker":"林委員倩綺","start":"2025-11-19T10:59:57.272000+08:00","guessed":false,"end":"2025-11-19T11:00:02.415000+08:00","text":"好的，謝謝，因為時間關係，我趕快做建議，然後你們趕快提出相關報告，好不好？","quality":0.935},{"speaker":"林委員倩綺","start":"2025-11-19T11:00:02.835000+08:00","guessed":false,"end":"2025-11-19T11:00:13.381000+08:00","text":"因為現在發生很多普發現金1萬塊卡住了，不是只有卡住那1萬塊，是卡住整個戶頭，是不是能夠趕快了解做個處理？","quality":0.978},{"speaker":"林委員倩綺","start":"2025-11-19T11:00:13.781000+08:00","guessed":false,"end":"2025-11-19T11:00:15.642000+08:00","text":"第二個部分，你們有沒有做全面的檢討？","quality":1},{"speaker":"林委員倩綺","start":"2025-11-19T11:00:15.662000+08:00","guessed":false,"end":"2025-11-19T11:00:28.647000+08:00","text":"為了解決警示帳戶的問題，結果現在產生這個新的問題，而且目前的量很大，常常衝擊到的都是比較弱勢、相對弱勢的族群，所以你們是不是可以在1個月內提出相關檢討給本席？","quality":0.958},{"speaker":"童局長政彰","start":"2025-11-19T11:00:29.007000+08:00","guessed":false,"end":"2025-11-19T11:00:40.390000+08:00","text":"我們會有書面報告給委員，但是我先跟委員報告，針對1萬塊的部分，我們已經通令銀行清查，沒有設定到這1萬塊，今天民眾因為……","quality":0.922},{"speaker":"林委員倩綺","start":"2025-11-19T11:00:40.890000+08:00","guessed":false,"end":"2025-11-19T11:00:43.630000+08:00","text":"我們都看到相關報導，而且有相關的反應嘛。","quality":0.889},{"speaker":"童局長政彰","start":"2025-11-19T11:00:43.630000+08:00","guessed":true,"end":"2025-11-19T11:00:44.630000+08:00","text":"我們有清查過了。","quality":0},{"speaker":"林委員倩綺","start":"2025-11-19T11:00:43.630000+08:00","guessed":false,"end":"2025-11-19T11:00:52.172000+08:00","text":"所以這個部分如果有，就麻煩你們即刻處理，不要因為這樣一個項目而導致全面被凍結，好不好？","quality":1},{"speaker":"童局長政彰","start":"2025-11-19T11:00:52.692000+08:00","guessed":false,"end":"2025-11-19T11:00:54.533000+08:00","text":"我們有清查過，不會設定到這1萬塊。","quality":0.429},{"speaker":"林委員倩綺","start":"2025-11-19T11:00:54.533000+08:00","guessed":false,"end":"2025-11-19T11:01:06.397000+08:00","text":"謝謝，本席因為時間的關係，就是個案請你們趕快處理，然後為了因應警示帳戶問題而導致其他的問題，也請你們整體檢討，好不好？","quality":0.981},{"speaker":"童局長政彰","start":"2025-11-19T11:01:06.557000+08:00","guessed":false,"end":"2025-11-19T11:01:08.998000+08:00","text":"我們已經有召開會議，銀行都有採取相關的措施，我們會再提交說明報告給委員。謝謝。","quality":0.629},{"speaker":"林委員倩綺","start":"2025-11-19T11:01:09.118000+08:00","guessed":false,"end":"2025-11-19T11:01:15.020000+08:00","text":"接下來本席請數發部、調查局、警政署的代表，及打詐指揮中心指揮官。","quality":0.821},{"speaker":"林委員倩綺","start":"2025-11-19T11:01:21.296000+08:00","guessed":false,"end":"2025-11-19T11:01:32.100000+08:00","text":"本席要談AI生成的詐騙廣告，現在非常氾濫，以假亂真的取材，已經成為新型的國安問題，我想各位應該都同意吧。","quality":0.957},{"speaker":"林委員倩綺","start":"2025-11-19T11:01:33.120000+08:00","guessed":false,"end":"2025-11-19T11:02:00.334000+08:00","text":"目前你們各單位經常拿出相關的統計數據，看起來好像是做得OK，但事實上民眾感受不到，就如同剛才本席所講的，今天我們會站在這邊質詢是民意代表的職責，雖然你們可以拿一些數據做佐證，但是最重要的是民眾個案的切身感受才是最大的影響。","quality":0.99},{"speaker":"林委員倩綺","start":"2025-11-19T11:02:00.574000+08:00","guessed":false,"end":"2025-11-19T11:02:37.636000+08:00","text":"根據165打詐儀錶板統計，10月份平均每天要受理441件詐騙案，財損大概接近2億，詐騙手法其實本席之前就知道了，只是現在非常嚴重，已經全面跟AI技術結合，刑事局這邊也公布4大類的假名人詐騙手法，包括假名人贈書、假名人賣保健品、假名人投資群組，本席認為很重要的而且很嚴重的是AI生成的偽造名人短影音。","quality":0.938},{"speaker":"林委員倩綺","start":"2025-11-19T11:02:38.857000+08:00","guessed":false,"end":"2025-11-19T11:02:55.968000+08:00","text":"我在這邊提醒，Grok的生成式影片，還有AI語音模型的發展，已經讓詐騙廣告擬真程度，讓民眾沒有辦法辨別，這個情況不是只有像本人，而是事實上真的像本人。","quality":0.956},{"speaker":"林委員倩綺","start":"2025-11-19T11:02:57.268000+08:00","guessed":false,"end":"2025-11-19T11:03:22.007000+08:00","text":"本席其實有看過黃國昌委員、館長等名人的AI深偽訪談內容，被作為推廣加密貨幣平臺；去年陳建仁院長在受質詢的時候，本席也看到有委員做的AI擬真，他也幾乎被騙過了，所以在你我身邊都可能發生，我們自己都有可能碰到。","quality":0.958},{"speaker":"林委員倩綺","start":"2025-11-19T11:03:23.808000+08:00","guessed":false,"end":"2025-11-19T11:03:37.457000+08:00","text":"最近這些東西都還在Threads或者是網友擷取流傳，看起來是本人、聲音也是本人，在沒有辦法查證之下，我們會誤信的機率非常高。","quality":0.93},{"speaker":"林委員倩綺","start":"2025-11-19T11:03:38.117000+08:00","guessed":false,"end":"2025-11-19T11:03:48.204000+08:00","text":"所以連作家吳淡如都表示，目前他應該是被數發部列為全臺最容易被仿冒的名人之一，我想對他來講也是不勝其擾。","quality":0.896},{"speaker":"林委員倩綺","start":"2025-11-19T11:03:49.225000+08:00","guessed":false,"end":"2025-11-19T11:03:58.588000+08:00","text":"所以本席要請教各部會，對於AI偽造名人的廣告，數發部目前的措施是如何？","quality":0.969},{"speaker":"林委員倩綺","start":"2025-11-19T11:04:00.228000+08:00","guessed":false,"end":"2025-11-19T11:04:08.551000+08:00","text":"在平臺強制下的機制運作狀況，跟跨國族群的企業合作狀況，是不是有比較暢通？","quality":1},{"speaker":"林委員倩綺","start":"2025-11-19T11:04:09.711000+08:00","guessed":false,"end":"2025-11-19T11:04:26.116000+08:00","text":"還有現在詐騙的短影音都放在Facebook，我們常用嘛，還有Instagram、Threads、YouTube、X（Twitter）、TikTok，你們是不是已經跟Meta、Google，還有TikTok這些海外企業簽訂對偽造名人影音內容的合作協定？","quality":0.92},{"speaker":"林委員倩綺","start":"2025-11-19T11:04:26.116000+08:00","guessed":true,"end":"2025-11-19T11:04:28.817000+08:00","text":"請數發部回答。","quality":0.167},{"speaker":"黃副署長雅萍","start":"2025-11-19T11:04:28.817000+08:00","guessed":false,"end":"2025-11-19T11:04:30.217000+08:00","text":"謝謝委員的質詢。","quality":1},{"speaker":"黃副署長雅萍","start":"2025-11-19T11:04:30.217000+08:00","guessed":false,"end":"2025-11-19T11:04:55.463000+08:00","text":"有關於名人偽造的部分，事實上在我們列管的四大業者跟七大平臺裡面，大概都已經做好聯繫，並且針對剛剛提到偽影音的部分，因為如果是用AI生成的，依照詐危條例相關規定，事實上是必須要做揭露的。","quality":0.953},{"speaker":"黃副署長雅萍","start":"2025-11-19T11:04:57.104000+08:00","guessed":false,"end":"2025-11-19T11:05:07.733000+08:00","text":"剛剛委員有提到有很多部分，民眾可能其實也分辨不大清楚，可以透過我們的網詐通報查詢網做通報，我們一旦確認以後，就會立刻去進行下一個動作。","quality":0.823},{"speaker":"林委員倩綺","start":"2025-11-19T11:05:08.593000+08:00","guessed":false,"end":"2025-11-19T11:05:14.919000+08:00","text":"這個問題其實真的還滿嚴重，你知道要一些長者經過這些步驟，真的是還有一段距離，唉……","quality":0.917},{"speaker":"林委員倩綺","start":"2025-11-19T11:05:18.301000+08:00","guessed":false,"end":"2025-11-19T11:05:26.405000+08:00","text":"另外我想請教一下調查局還有警政署，目前對於假名人的AI詐騙有沒有專案偵辦？","quality":1},{"speaker":"林委員倩綺","start":"2025-11-19T11:05:26.886000+08:00","guessed":false,"end":"2025-11-19T11:05:32.168000+08:00","text":"這其實是一種混合型的新型態，你們有沒有針對這個部分成立相關的專案小組？","quality":0.97},{"speaker":"張署長榮興","start":"2025-11-19T11:05:33.349000+08:00","guessed":false,"end":"2025-11-19T11:05:38.094000+08:00","text":"有，我們刑事局有成立專案小組，對這個部分會主動搜尋。","quality":1},{"speaker":"張署長榮興","start":"2025-11-19T11:05:39.075000+08:00","guessed":false,"end":"2025-11-19T11:06:03.169000+08:00","text":"委員剛才講的很有道理，在廣告平臺裡面的狀況，這些都是在詐欺之前的源頭，所以這個應該是所有詐騙裡面最重要的，每一個最新型的詐騙AI生成模式，我們第一時間大概就掌握，然後會去搜尋，搜尋完之後會要求下架停止解析，這些廣告平臺如果沒有依照規定，我們還是會移給數發部做裁罰。","quality":0.828},{"speaker":"張署長榮興","start":"2025-11-19T11:06:07.650000+08:00","guessed":false,"end":"2025-11-19T11:06:14.234000+08:00","text":"所以其實最重要的還是在整個網路廣告平臺的自主管理是最重要的。","quality":0.828},{"speaker":"林委員倩綺","start":"2025-11-19T11:06:14.394000+08:00","guessed":false,"end":"2025-11-19T11:06:21.619000+08:00","text":"是，每次碰到這種問題，各部會就說是警政署負責的，很多東西都是你們負責，你們在第一線其實很辛苦，但是本席今天也要提醒的是……","quality":0.907},{"speaker":"張署長榮興","start":"2025-11-19T11:06:21.659000+08:00","guessed":false,"end":"2025-11-19T11:06:23.520000+08:00","text":"其實打詐是整個團隊，我們當然是主動會有專門小組去做，所以剛剛委員所提的贈書、保健品、假名人的廣告或是生成影片模式，我們隨時都有……","quality":0.793},{"speaker":"林委員倩綺","start":"2025-11-19T11:06:36.669000+08:00","guessed":false,"end":"2025-11-19T11:06:42.332000+08:00","text":"感覺你們查核後下架的速度，都趕不上他們生成的速度，怎麼辦？","quality":0.654},{"speaker":"張署長榮興","start":"2025-11-19T11:06:44.513000+08:00","guessed":false,"end":"2025-11-19T11:07:00.221000+08:00","text":"像有一些是跨境投放的狀況，當然最重要的就是網路廣告平臺業者本身的自制跟稽核，有一些是今天下架之後，明天再變成一個不同的。","quality":0.929},{"speaker":"林委員倩綺","start":"2025-11-19T11:07:00.821000+08:00","guessed":false,"end":"2025-11-19T11:07:03.322000+08:00","text":"我想現在已經是一個還蠻無法自制跟自律的世界。","quality":0.667},{"speaker":"張署長榮興","start":"2025-11-19T11:07:04.203000+08:00","guessed":false,"end":"2025-11-19T11:07:11.026000+08:00","text":"所以委員你可以看到，比如我可以公開講Meta或是FB的這些狀況是最嚴重的。","quality":0.943},{"speaker":"林委員倩綺","start":"2025-11-19T11:07:11.386000+08:00","guessed":false,"end":"2025-11-19T11:07:17.128000+08:00","text":"其實現在速度那麼快，我們如果還停留在平臺要自制，然後民眾自己要小心多加查證……","quality":0.857},{"speaker":"張署長榮興","start":"2025-11-19T11:07:18.089000+08:00","guessed":false,"end":"2025-11-19T11:07:19.750000+08:00","text":"這個已經有防詐條例可以做規範跟處罰。","quality":0.941},{"speaker":"林委員倩綺","start":"2025-11-19T11:07:20.890000+08:00","guessed":false,"end":"2025-11-19T11:07:34.443000+08:00","text":"對我們來講都是法、都是條例，但對民眾來講，就是生活我們怎麼樣過得簡單一點，當我們有這麼多技術、這麼多科技、這麼多平臺協助，還有這麼多部會參與的情況之下，結果大家生活得越來越辛苦。","quality":0.925},{"speaker":"張署長榮興","start":"2025-11-19T11:07:34.443000+08:00","guessed":true,"end":"2025-11-19T11:07:35.443000+08:00","text":"我們是同步的……","quality":0},{"speaker":"林委員倩綺","start":"2025-11-19T11:07:35.024000+08:00","guessed":false,"end":"2025-11-19T11:07:50.677000+08:00","text":"我們知道警政署是很辛苦的，其實各部會跟這些主題都有關，不管是前段、中段、後段，我想你們應該都有很多處理的經驗，在這些經驗裡，我認為應該有更積極的一些作為。","quality":0.942},{"speaker":"林委員倩綺","start":"2025-11-19T11:07:50.677000+08:00","guessed":false,"end":"2025-11-19T11:08:10.984000+08:00","text":"我們知道警政署很辛苦，本席問的很多的問題，到最後要嘛衛福部負責，要嘛警政署負責，不好意思，法務部你們應該有一些經驗，在跨平臺處理的時候，我覺得應該要整體連通，然後速度跑得比犯罪快一點，這樣我們就不會一直在後面追趕，謝謝警政署。","quality":0.98},{"speaker":"林委員倩綺","start":"2025-11-19T11:08:11.504000+08:00","guessed":false,"end":"2025-11-19T11:08:17.206000+08:00","text":"我最後講一下，請司法院跟法務部，謝謝。","quality":0.938},{"speaker":"林委員倩綺","start":"2025-11-19T11:08:20.297000+08:00","guessed":false,"end":"2025-11-19T11:08:24.959000+08:00","text":"我接下來談的是詐騙案的爆量跟第一線人員的問題。","quality":1},{"speaker":"林委員倩綺","start":"2025-11-19T11:08:26.680000+08:00","guessed":false,"end":"2025-11-19T11:08:35.683000+08:00","text":"我們請司法院及法務部相關代表，本席關心很久了，每一次都提，就是司法院第一線人員的處境。","quality":0.923},{"speaker":"林委員倩綺","start":"2025-11-19T11:08:37.144000+08:00","guessed":false,"end":"2025-11-19T11:08:39.925000+08:00","text":"我們知道大家現在面臨最多的就是詐騙案，整個司法體系已經超載了，不僅是承辦人員的人力不足，制度面本身也很難去因應這樣結構性的問題。","quality":1},{"speaker":"林委員倩綺","start":"2025-11-19T11:08:39.925000+08:00","guessed":false,"end":"2025-11-19T11:09:15.941000+08:00","text":"本席也提出一些建議，你們可不可以在程序上做一些調整，比如減輕司法人員的負擔，有沒有可能例如擴大認罪協商制度的適用範圍，可以減少除外的範圍，擴大可協商的範圍，這個部分是不是就可以制度性或結構性的減輕第一線人員的負擔？","quality":1},{"speaker":"林委員倩綺","start":"2025-11-19T11:09:17.523000+08:00","guessed":false,"end":"2025-11-19T11:09:50.069000+08:00","text":"因為詐騙案每年都超過數十萬件，對司法的能量其實蠻耗費的，目前整體刑案量以詐騙刑案量最多，第一線檢察官、書記官、法官都過勞，但是我們目前沒有辦法很快地直接處理這些問題，所以有沒有可能本席建議放寬認罪協商的程序，用程序改革來減輕司法的負擔、第一線人員的負擔？","quality":0.923},{"speaker":"林委員倩綺","start":"2025-11-19T11:09:50.069000+08:00","guessed":false,"end":"2025-11-19T11:10:08.057000+08:00","text":"我們知道你們常常在徵聘人員，但是不是可以研議看看，讓證據明確而且犯罪樣態非常清楚的犯罪，可以更彈性來運用本席上面所講的一些程序上簡易處理的方法，你們是不是可以研議呢？","quality":0.936},{"speaker":"李廳長釱任","start":"2025-11-19T11:10:11.737000+08:00","guessed":false,"end":"2025-11-19T11:10:16.258000+08:00","text":"謝謝委員關心這個議題，有關於司法人員的負擔，確實非常的沉重。","quality":0.815},{"speaker":"林委員倩綺","start":"2025-11-19T11:10:17.038000+08:00","guessed":false,"end":"2025-11-19T11:10:20.259000+08:00","text":"本席每一次都會提這個，今天就提出這樣一個可能的方式。","quality":1},{"speaker":"李廳長釱任","start":"2025-11-19T11:10:20.519000+08:00","guessed":false,"end":"2025-11-19T11:10:26.180000+08:00","text":"所以在法制上，就相關詐欺案件的部分，我們已經擴大獨任審判的範圍，把原先需要合議的案件減少，把獨任審判的案件擴大到所有的詐欺案件都可以獨任審判。","quality":0.894},{"speaker":"李廳長釱任","start":"2025-11-19T11:10:36.423000+08:00","guessed":false,"end":"2025-11-19T11:10:48.593000+08:00","text":"這部分也經過法務部同意，新的詐危條例已經有做類似的修正，把人解放出來，把合議庭原先綁3個法官來審理變成獨任法官就可以審理。","quality":0.893},{"speaker":"李廳長釱任","start":"2025-11-19T11:10:48.953000+08:00","guessed":false,"end":"2025-11-19T11:11:06.585000+08:00","text":"至於協商的部分，我們也注意到，原先它有一個除外規定，就是把死刑、無期徒刑、三年以上有期徒刑除外，我們希望能把底線門檻的部分改成最輕本刑五年以上的話，可以擴大協商的範圍。","quality":0.908},{"speaker":"林委員倩綺","start":"2025-11-19T11:11:07.286000+08:00","guessed":false,"end":"2025-11-19T11:11:10.267000+08:00","text":"因為時間的關係啦，你們是不是把相關報告送到本席的辦公室？","quality":0.769},{"speaker":"李廳長釱任","start":"2025-11-19T11:11:10.267000+08:00","guessed":true,"end":"2025-11-19T11:11:11.267000+08:00","text":"沒問題，這部分我們有在研議。","quality":0},{"speaker":"林委員倩綺","start":"2025-11-19T11:11:10.547000+08:00","guessed":false,"end":"2025-11-19T11:11:12.989000+08:00","text":"本席也要檢視一下，你們這些方法有沒有符合整個國際的趨勢，相對比較彈性，而且對於人權也有一些關注跟保護的方向，好不好？","quality":0.755},{"speaker":"李廳長釱任","start":"2025-11-19T11:11:12.989000+08:00","guessed":true,"end":"2025-11-19T11:11:13.989000+08:00","text":"謝謝委員關心。","quality":0},{"speaker":"林委員倩綺","start":"2025-11-19T11:11:13.029000+08:00","guessed":false,"end":"2025-11-19T11:11:13.049000+08:00","text":"好，謝謝。","quality":1},{"speaker":"主席","start":"2025-11-19T11:11:29.621000+08:00","guessed":false,"end":"2025-11-19T11:11:29.802000+08:00","text":"謝謝林委員。","quality":1},{"speaker":"主席","start":"2025-11-19T11:11:30.302000+08:00","guessed":true,"end":"2025-11-19T11:11:32.873429+08:00","text":"接下來請吳思瑤委員。","quality":0}]}},"supported_relations":[],"relations":[]}