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electronic payment platforms already offer fee-free transfer services, making banks' current charging models appear outdated.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.