/
影片摘要

影片摘要
2026/01/07

跨行轉帳成本早就降了,但手續費還是一樣高? - 2026.1.7 財政委員會質詢


  • Interbank transfer fees should be reviewed.
  • Many electronic payment platforms already offer fee-free transfer services, making banks' current charging models appear outdated.
  • The annual volume of interbank transfer transactions has grown severalfold compared to many years ago.
  • The revenue banks derive from these fees has significantly increased due to the rise in transaction volume.
  • The current NT$15 interbank transfer fee imposes a burden on many users making small-value transfers.
  • Banking operations have become almost entirely computerized; compared to the past reliance on extensive manual reconciliation, related costs should have significantly decreased.
  • Reducing transfer fees contributes to promoting financial inclusion.
  • The objective of reviewing these fees is to do so without affecting banks' reasonable profits.
  • Financial Supervisory Commission (FSC) Chairman Peng Jin-lung (彭金隆) pledged to consider evolving circumstances, and, while taking into account banks' necessary operating costs, to faithfully examine the reasonableness of the fees and conduct deliberations.