{"id":149513,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/149513","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/1441ba9c2015bdbef84ee806b29eac51f84c29b94b9165f0f8ba9b0039caa7a6efa4b89b7a34049c5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"賴惠員","委員發言時間":"10:39:49 - 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0.999}, {\"word\": \"麼\"}, {\"word\": \"嗎\"}]}, {\"start\": 55.014, \"end\": 71.642, \"text\": \"我們可以看到了就是說這個貸款的餘額我們把它統計了出來那請問國庫署對於融資的一個主任公司拿了這些一千多億的錢做了什麼有沒有辦法還款你是不是有掌握呢\", \"words\": [{\"word\": \"我\", \"start\": 55.014, \"end\": 55.234, \"score\": 0.883}, {\"word\": \"們\"}, {\"word\": \"可\", \"start\": 55.234, \"end\": 55.354, \"score\": 0.914}, {\"word\": \"以\", \"start\": 55.354, \"end\": 55.494, \"score\": 0.889}, {\"word\": \"看\", \"start\": 55.494, \"end\": 55.714, \"score\": 1.0}, {\"word\": \"到\", \"start\": 55.714, \"end\": 55.934, \"score\": 0.999}, {\"word\": \"了\", \"start\": 55.934, \"end\": 56.255, \"score\": 0.999}, {\"word\": \"就\", \"start\": 56.255, \"end\": 56.415, \"score\": 0.999}, {\"word\": \"是\", \"start\": 56.415, \"end\": 57.535, \"score\": 0.926}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"貸\"}, {\"word\": \"款\", \"start\": 57.535, \"end\": 57.695, \"score\": 0.995}, {\"word\": \"的\", \"start\": 57.695, \"end\": 58.256, \"score\": 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\"score\": 0.0}, {\"word\": \"鐘\"}, {\"word\": \"接\", \"start\": 652.524, \"end\": 652.744, \"score\": 0.909}, {\"word\": \"著\", \"start\": 652.744, \"end\": 652.904, \"score\": 0.873}, {\"word\": \"我\", \"start\": 652.904, \"end\": 653.065, \"score\": 0.873}, {\"word\": \"們\"}, {\"word\": \"請\"}, {\"word\": \"顏\"}, {\"word\": \"寬\"}, {\"word\": \"文\", \"start\": 653.065, \"end\": 653.225, \"score\": 0.875}, {\"word\": \"委\", \"start\": 653.225, \"end\": 653.245, \"score\": 0.972}, {\"word\": \"員\"}, {\"word\": \"質\"}, {\"word\": \"詢\"}], \"language\": \"zh\"}","srt":"1\n00:00:00,359 --> 00:00:05,722\n第一金控董事長有被點名到請大家自動上來部長早安\n\n2\n00:00:12,435 --> 00:00:35,637\n部長我想延續在禮拜一就是我們的租賃公司的這個議題那我請教就是部長就是八家的公股、行庫借了租賃業多少錢你有掌握嗎跟委員報告到2月底八家公股、行庫對於融資公司的租賃公司貸款餘額總共是1246億\n\n3\n00:00:37,879 --> 00:00:53,515\n一千兩百四十六億那我的資料是一千兩百六十八億那總反正因為總資就是一千兩百多億對不對那這八家公股銀行行庫代給融資公司我們知道他們做了什麼嗎\n\n4\n00:00:55,014 --> 00:01:11,642\n我們可以看到了就是說這個貸款的餘額我們把它統計了出來那請問國庫署對於融資的一個主任公司拿了這些一千多億的錢做了什麼有沒有辦法還款你是不是有掌握呢\n\n5\n00:01:13,700 --> 00:01:32,810\n根委員報告因為對於銀行在放貸給融資公司的時候他們都會做好落實他們的貸貸後管理所以除了差和借款人貸款資金的實力用途以外也會防止銀行那個資金流入所以就是說基本上他們都是有符合到我們金融業的ESG的一個標準嗎?\n\n6\n00:01:33,670 --> 00:01:47,198\n是啊這個他們會去檢視沒有錯嘛對不對所以就是說我們基本上就是說所有就是ESG的一個標準我們銀行的授信以前我們必須要嚴格的去審查\n\n7\n00:01:48,271 --> 00:02:14,366\n好,部長,嚴格的去審查在這裡頭我們從這個低金控公告的ESG裡頭有特別特別的強調就是說在授信前的一個那個審查的一個機制的一個流程圖裡頭特別強調公司內控的一個負面的一個議題還有是不是乘坐高爭議性的一個產業我們都要納入風險的評估\n\n8\n00:02:16,128 --> 00:02:18,862\n是的!是的!那個第一金控董事長對不對?\n\n9\n00:02:21,102 --> 00:02:48,344\n這個是你們自己做的?是,回答委員是的沒有問題?是好那還是一樣再請教部長跟署長目前就是八大公股銀行行庫裡頭是不是都採用相同或是相近標準的做受信錢的一個審查?所有公股行庫在受信錢都有一定的審查而且它必須符合金管會以及銀行公會所有的受信審查原則都要符合的\n\n10\n00:02:48,945 --> 00:03:01,601\n市部長我跟你講你只要打開你的手機用一個關鍵字只要一個貸款的貸那你全部跳出來的是什麼一台摩托車可以\n\n11\n00:03:03,120 --> 00:03:31,595\n借30萬輕輕鬆鬆不用財力證明然後一台超過15年的汽車可以借到80萬你試著操作看看就是業者在換款的額度的一個輕鬆給這些學生然後給這些沒有資產能力比較下階層的這些人那是不是就是禁止乘坐高正義性這個是不是高正義性的產業\n\n12\n00:03:33,767 --> 00:03:58,629\n委員是基於保護年輕人他有時候就因為覺得便利就去貸款結果讓自己身上背了一堆債然後造成自己的信用整個就不好了對他人生未來是有影響那這個部分我們在貸出去的時候是給企業戶那至於這個企業戶您可能關心的是企業戶貸到以後錢拿去做什麼用八大公股銀行他們借出去的錢你們做了什麼\n\n13\n00:03:59,770 --> 00:04:20,265\n你們說你們都有監控結果租賃公司是從銀行搬了錢然後再做地下錢莊的工作那我們為什麼不管呢?為什麼不管?我想這個部分讓我們各個銀行在貸款出去以後對的資金用途都會有做貸後管理\n\n14\n00:04:22,365 --> 00:04:40,034\n事實上顯現出來在下一頁部長我再讓你看目前的在這個整個租賃業裡頭的龍頭的話就是我們中租中租的一個財報來看的話我們中租2023年12月底在我們台灣的債權研製力高達2.3\n\n15\n00:04:41,815 --> 00:04:49,967\n那這樣換算的話他總金額是90億相較之下的銀行去年12月底的預放率他僅0.1%這個超過23%你怎麼解釋呢?\n\n16\n00:04:55,643 --> 00:05:23,838\n跟委員報告那金管會我們跟金管會了解他也會將來會約他也會約已經約談了中租、合潤跟裕隆三家租賃業者那麼我們會進一步的會去了解銀行跟這些租賃業者的風險管理那這些公管銀行那個這些公股銀行是歸你管的然後這些人這些銀行提供了錢給租賃公司然後去做這麼多事情那\n\n17\n00:05:24,838 --> 00:05:45,957\n你們怎麼講?你們把他推給...不是,我想跟委員報告一下,那委員提出這個問題也是非常重要那我們接下來會請我們公股、航空對這些租賃公司的一個融資貸款去全盤了解它的一個資金用途部長,你所有的回答其實基本上都是非常空的土地銀行在下一頁\n\n18\n00:05:47,674 --> 00:06:11,454\n土地銀行在2024年統籌就是你們租給那個中租的一個年代案有沒有將中租抵合放高利貸及高研製的一個研製力納入風險的評估呢我想這個個案是不是可以由土地銀行來做說明的個案我剛就有請土地銀行要出列了\n\n19\n00:06:17,714 --> 00:06:42,853\n所以土地銀行在去年的11頁你統籌主辦了中租抵合三年期那就是貸給他71億那你們講了說支持歷電產業可是你這裡頭連帶的還有兆豐還有和庫還有華蘭對不對是那你有沒有去追蹤呢報告委員這些錢是真的放在歷電產業還是\n\n20\n00:06:45,265 --> 00:06:58,829\n送到中國大陸去了報告委員我們當初籌組這筆聯貸案它的主要資金用途去它是去建立這個太陽能的電廠所以是完全符合綠色綠電的一個產業你有追嗎當然是這是貸貨管理最重要的一部分\n\n21\n00:07:03,530 --> 00:07:27,297\n是,好,那這樣子我跟你講甚至我在土銀我下一次再請教你所有你借出去的錢你借給租賃公司的錢它是不是有到中國去這個也是要再跟你特別再做一個我們再做一個探討所以在這裡我要跟所有在現場的我們所有的這個相關在金融的一個機構裡頭\n\n22\n00:07:29,281 --> 00:07:46,196\n一SG這個S就是社會責任我們是不是有幫世紀人小明就是在擋呢他們背著一個高利貸一台摩托車可以借到30萬一個學生他在他需要買手機他需要買\n\n23\n00:08:16,216 --> 00:08:41,264\n這個租賃公司越來越大尾他也可以是當鋪也可以是銀行那從銀行搬錢了那你們在這個錢授權給他的時候你們也非常的慷慨那他輕鬆的在公股銀行搬到錢了然後就做這些高利貸的工作那怎麼辦啊無法可管\n\n24\n00:08:44,704 --> 00:09:14,122\n部長回答我是謝謝委員的提示我想這個部分代後的管理非常重要也就是資金的流向我們銀行有時候會專款專用對成立一個專戶做一定的資金用途這是您剛剛提到的就是說租賃公司有沒有把這個錢拿去以後去放高利貸讓許多年輕人不小心就是帶了錢然後造成他一輩子的信用上的一些影響我想我們這個部分會請公股航空特別注意然後對代後管理資金流向都要有所進一步的理解\n\n25\n00:09:14,582 --> 00:09:14,682\n這是絕對不行的\n\n26\n00:09:44,634 --> 00:10:14,057\n是我想就是說最後一頁這個部長我想想這樣子建議就是說你要檢討公股行庫ESG的一個認定標準那將主任業對民眾的一個換款的利率還有就是換款的標準還有顏值利等納入授信的標準以外你千萬千萬不能讓公股銀行成為合法高利貸的一個幫兇顯然你們現在就是幫兇了而你們不自覺你們還一直\n\n27\n00:10:14,857 --> 00:10:33,956\n一而再再而三的一直在協助他們公股行庫若是發現以放貸的租賃業從事對學生的放高利貸的一個行為的時候你們是不是可以依契約收回貸款的款項有沒有辦法還有日漸升溫的中國經濟泡沫的一個問題\n\n28\n00:10:35,157 --> 00:10:53,245\n公股行戶除了減少在中國的曝險機制以外是不是應該嚴格的追蹤就是我們所有換款的對象是不是有轉投資到中國希望一個業內給我這樣子的一個素面報告謝謝部長謝謝委員謝謝賴惠惠委員的質詢待我們顏寬文委員質詢之後呢我們休息10分鐘接著我們請顏寬文委員質詢\n\n","tsv":"start\tend\ttext\n359\t5722\t第一金控董事長有被點名到請大家自動上來部長早安\n12435\t35637\t部長我想延續在禮拜一就是我們的租賃公司的這個議題那我請教就是部長就是八家的公股、行庫借了租賃業多少錢你有掌握嗎跟委員報告到2月底八家公股、行庫對於融資公司的租賃公司貸款餘額總共是1246億\n37879\t53515\t一千兩百四十六億那我的資料是一千兩百六十八億那總反正因為總資就是一千兩百多億對不對那這八家公股銀行行庫代給融資公司我們知道他們做了什麼嗎\n55014\t71642\t我們可以看到了就是說這個貸款的餘額我們把它統計了出來那請問國庫署對於融資的一個主任公司拿了這些一千多億的錢做了什麼有沒有辦法還款你是不是有掌握呢\n73700\t92810\t根委員報告因為對於銀行在放貸給融資公司的時候他們都會做好落實他們的貸貸後管理所以除了差和借款人貸款資金的實力用途以外也會防止銀行那個資金流入所以就是說基本上他們都是有符合到我們金融業的ESG的一個標準嗎?\n93670\t107198\t是啊 這個他們會去檢視沒有錯嘛 對不對所以就是說我們基本上就是說所有就是ESG的一個標準我們銀行的授信以前我們必須要嚴格的去審查\n108271\t134366\t好,部長,嚴格的去審查在這裡頭我們從這個低金控公告的ESG裡頭有特別特別的強調就是說在授信前的一個那個審查的一個機制的一個流程圖裡頭特別強調公司內控的一個負面的一個議題還有是不是乘坐高爭議性的一個產業我們都要納入風險的評估\n136128\t138862\t是的!是的!那個第一金控董事長 對不對?\n141102\t168344\t這個是你們自己做的?是,回答委員是的沒有問題?是好那還是一樣再請教部長跟署長目前就是八大公股銀行行庫裡頭是不是都採用相同或是相近標準的做受信錢的一個審查?所有公股行庫在受信錢都有一定的審查而且它必須符合金管會以及銀行公會所有的受信審查原則都要符合的\n168945\t181601\t市部長我跟你講你只要打開你的手機用一個關鍵字只要一個貸款的貸那你全部跳出來的是什麼一台摩托車可以\n183120\t211595\t借30萬輕輕鬆鬆不用財力證明然後一台超過15年的汽車可以借到80萬你試著操作看看就是業者在換款的額度的一個輕鬆給這些學生然後給這些沒有資產能力比較下階層的這些人那是不是就是禁止乘坐高正義性這個是不是高正義性的產業\n213767\t238629\t委員是基於保護年輕人他有時候就因為覺得便利就去貸款結果讓自己身上背了一堆債然後造成自己的信用整個就不好了對他人生未來是有影響那這個部分我們在貸出去的時候是給企業戶那至於這個企業戶您可能關心的是企業戶貸到以後錢拿去做什麼用八大公股銀行他們借出去的錢你們做了什麼\n239770\t260265\t你們說你們都有監控結果租賃公司是從銀行搬了錢然後再做地下錢莊的工作那我們為什麼不管呢?為什麼不管?我想這個部分讓我們各個銀行在貸款出去以後對的資金用途都會有做貸後管理\n262365\t280034\t事實上顯現出來在下一頁部長我再讓你看目前的在這個整個租賃業裡頭的龍頭的話就是我們中租中租的一個財報來看的話我們中租2023年12月底在我們台灣的債權研製力高達2.3\n281815\t289967\t那這樣換算的話他總金額是90億相較之下的銀行去年12月底的預放率他僅0.1%這個超過23%你怎麼解釋呢?\n295643\t323838\t跟委員報告那金管會我們跟金管會了解他也會將來會約他也會約已經約談了中租、合潤跟裕隆三家租賃業者那麼我們會進一步的會去了解銀行跟這些租賃業者的風險管理那這些公管銀行那個這些公股銀行是歸你管的然後這些人這些銀行提供了錢給租賃公司然後去做這麼多事情那\n324838\t345957\t你們怎麼講?你們把他推給...不是,我想跟委員報告一下,那委員提出這個問題也是非常重要那我們接下來會請我們公股、航空對這些租賃公司的一個融資貸款去全盤了解它的一個資金用途部長,你所有的回答其實基本上都是非常空的土地銀行在下一頁\n347674\t371454\t土地銀行在2024年統籌就是你們租給那個中租的一個年代案有沒有將中租抵合放高利貸及高研製的一個研製力納入風險的評估呢我想這個個案是不是可以由土地銀行來做說明的個案我剛就有請土地銀行要出列了\n377714\t402853\t所以土地銀行在去年的11頁你統籌主辦了中租抵合三年期那就是貸給他71億那你們講了說支持歷電產業可是你這裡頭連帶的還有兆豐還有和庫還有華蘭對不對是那你有沒有去追蹤呢報告委員這些錢是真的放在歷電產業還是\n405265\t418829\t送到中國大陸去了報告委員我們當初籌組這筆聯貸案它的主要資金用途去它是去建立這個太陽能的電廠所以是完全符合綠色綠電的一個產業你有追嗎當然是這是貸貨管理最重要的一部分\n423530\t447297\t是,好,那這樣子我跟你講甚至我在土銀我下一次再請教你所有你借出去的錢你借給租賃公司的錢它是不是有到中國去這個也是要再跟你特別再做一個我們再做一個探討所以在這裡我要跟所有在現場的我們所有的這個相關在金融的一個機構裡頭\n449281\t466196\t一SG這個S就是社會責任我們是不是有幫世紀人小明就是在擋呢他們背著一個高利貸一台摩托車可以借到30萬一個學生他在他需要買手機他需要買\n467705\t495776\t⋯⋯\n496216\t521264\t這個租賃公司越來越大尾他也可以是當鋪也可以是銀行那從銀行搬錢了那你們在這個錢授權給他的時候你們也非常的慷慨那他輕鬆的在公股銀行搬到錢了然後就做這些高利貸的工作那怎麼辦啊無法可管\n524704\t554122\t部長回答我是謝謝委員的提示我想這個部分代後的管理非常重要也就是資金的流向我們銀行有時候會專款專用對成立一個專戶做一定的資金用途這是您剛剛提到的就是說租賃公司有沒有把這個錢拿去以後去放高利貸讓許多年輕人不小心就是帶了錢然後造成他一輩子的信用上的一些影響我想我們這個部分會請公股航空特別注意然後對代後管理資金流向都要有所進一步的理解\n554582\t554682\t這是絕對不行的\n584634\t614057\t是我想就是說最後一頁這個部長我想想這樣子建議就是說你要檢討公股行庫ESG的一個認定標準那將主任業對民眾的一個換款的利率還有就是換款的標準還有顏值利等納入授信的標準以外你千萬千萬不能讓公股銀行成為合法高利貸的一個幫兇顯然你們現在就是幫兇了而你們不自覺你們還一直\n614857\t633956\t一而再再而三的一直在協助他們公股行庫若是發現以放貸的租賃業從事對學生的放高利貸的一個行為的時候你們是不是可以依契約收回貸款的款項有沒有辦法還有日漸升溫的中國經濟泡沫的一個問題\n635157\t653245\t公股行戶除了減少在中國的曝險機制以外是不是應該嚴格的追蹤就是我們所有換款的對象是不是有轉投資到中國希望一個業內給我這樣子的一個素面報告謝謝部長謝謝委員謝謝賴惠惠委員的質詢待我們顏寬文委員質詢之後呢我們休息10分鐘接著我們請顏寬文委員質詢\n","txt":"第一金控董事長有被點名到請大家自動上來部長早安\n部長我想延續在禮拜一就是我們的租賃公司的這個議題那我請教就是部長就是八家的公股、行庫借了租賃業多少錢你有掌握嗎跟委員報告到2月底八家公股、行庫對於融資公司的租賃公司貸款餘額總共是1246億\n一千兩百四十六億那我的資料是一千兩百六十八億那總反正因為總資就是一千兩百多億對不對那這八家公股銀行行庫代給融資公司我們知道他們做了什麼嗎\n我們可以看到了就是說這個貸款的餘額我們把它統計了出來那請問國庫署對於融資的一個主任公司拿了這些一千多億的錢做了什麼有沒有辦法還款你是不是有掌握呢\n根委員報告因為對於銀行在放貸給融資公司的時候他們都會做好落實他們的貸貸後管理所以除了差和借款人貸款資金的實力用途以外也會防止銀行那個資金流入所以就是說基本上他們都是有符合到我們金融業的ESG的一個標準嗎?\n是啊 這個他們會去檢視沒有錯嘛 對不對所以就是說我們基本上就是說所有就是ESG的一個標準我們銀行的授信以前我們必須要嚴格的去審查\n好,部長,嚴格的去審查在這裡頭我們從這個低金控公告的ESG裡頭有特別特別的強調就是說在授信前的一個那個審查的一個機制的一個流程圖裡頭特別強調公司內控的一個負面的一個議題還有是不是乘坐高爭議性的一個產業我們都要納入風險的評估\n是的!是的!那個第一金控董事長 對不對?\n這個是你們自己做的?是,回答委員是的沒有問題?是好那還是一樣再請教部長跟署長目前就是八大公股銀行行庫裡頭是不是都採用相同或是相近標準的做受信錢的一個審查?所有公股行庫在受信錢都有一定的審查而且它必須符合金管會以及銀行公會所有的受信審查原則都要符合的\n市部長我跟你講你只要打開你的手機用一個關鍵字只要一個貸款的貸那你全部跳出來的是什麼一台摩托車可以\n借30萬輕輕鬆鬆不用財力證明然後一台超過15年的汽車可以借到80萬你試著操作看看就是業者在換款的額度的一個輕鬆給這些學生然後給這些沒有資產能力比較下階層的這些人那是不是就是禁止乘坐高正義性這個是不是高正義性的產業\n委員是基於保護年輕人他有時候就因為覺得便利就去貸款結果讓自己身上背了一堆債然後造成自己的信用整個就不好了對他人生未來是有影響那這個部分我們在貸出去的時候是給企業戶那至於這個企業戶您可能關心的是企業戶貸到以後錢拿去做什麼用八大公股銀行他們借出去的錢你們做了什麼\n你們說你們都有監控結果租賃公司是從銀行搬了錢然後再做地下錢莊的工作那我們為什麼不管呢?為什麼不管?我想這個部分讓我們各個銀行在貸款出去以後對的資金用途都會有做貸後管理\n事實上顯現出來在下一頁部長我再讓你看目前的在這個整個租賃業裡頭的龍頭的話就是我們中租中租的一個財報來看的話我們中租2023年12月底在我們台灣的債權研製力高達2.3\n那這樣換算的話他總金額是90億相較之下的銀行去年12月底的預放率他僅0.1%這個超過23%你怎麼解釋呢?\n跟委員報告那金管會我們跟金管會了解他也會將來會約他也會約已經約談了中租、合潤跟裕隆三家租賃業者那麼我們會進一步的會去了解銀行跟這些租賃業者的風險管理那這些公管銀行那個這些公股銀行是歸你管的然後這些人這些銀行提供了錢給租賃公司然後去做這麼多事情那\n你們怎麼講?你們把他推給...不是,我想跟委員報告一下,那委員提出這個問題也是非常重要那我們接下來會請我們公股、航空對這些租賃公司的一個融資貸款去全盤了解它的一個資金用途部長,你所有的回答其實基本上都是非常空的土地銀行在下一頁\n土地銀行在2024年統籌就是你們租給那個中租的一個年代案有沒有將中租抵合放高利貸及高研製的一個研製力納入風險的評估呢我想這個個案是不是可以由土地銀行來做說明的個案我剛就有請土地銀行要出列了\n所以土地銀行在去年的11頁你統籌主辦了中租抵合三年期那就是貸給他71億那你們講了說支持歷電產業可是你這裡頭連帶的還有兆豐還有和庫還有華蘭對不對是那你有沒有去追蹤呢報告委員這些錢是真的放在歷電產業還是\n送到中國大陸去了報告委員我們當初籌組這筆聯貸案它的主要資金用途去它是去建立這個太陽能的電廠所以是完全符合綠色綠電的一個產業你有追嗎當然是這是貸貨管理最重要的一部分\n是,好,那這樣子我跟你講甚至我在土銀我下一次再請教你所有你借出去的錢你借給租賃公司的錢它是不是有到中國去這個也是要再跟你特別再做一個我們再做一個探討所以在這裡我要跟所有在現場的我們所有的這個相關在金融的一個機構裡頭\n一SG這個S就是社會責任我們是不是有幫世紀人小明就是在擋呢他們背著一個高利貸一台摩托車可以借到30萬一個學生他在他需要買手機他需要買\n⋯⋯\n這個租賃公司越來越大尾他也可以是當鋪也可以是銀行那從銀行搬錢了那你們在這個錢授權給他的時候你們也非常的慷慨那他輕鬆的在公股銀行搬到錢了然後就做這些高利貸的工作那怎麼辦啊無法可管\n部長回答我是謝謝委員的提示我想這個部分代後的管理非常重要也就是資金的流向我們銀行有時候會專款專用對成立一個專戶做一定的資金用途這是您剛剛提到的就是說租賃公司有沒有把這個錢拿去以後去放高利貸讓許多年輕人不小心就是帶了錢然後造成他一輩子的信用上的一些影響我想我們這個部分會請公股航空特別注意然後對代後管理資金流向都要有所進一步的理解\n這是絕對不行的\n是我想就是說最後一頁這個部長我想想這樣子建議就是說你要檢討公股行庫ESG的一個認定標準那將主任業對民眾的一個換款的利率還有就是換款的標準還有顏值利等納入授信的標準以外你千萬千萬不能讓公股銀行成為合法高利貸的一個幫兇顯然你們現在就是幫兇了而你們不自覺你們還一直\n一而再再而三的一直在協助他們公股行庫若是發現以放貸的租賃業從事對學生的放高利貸的一個行為的時候你們是不是可以依契約收回貸款的款項有沒有辦法還有日漸升溫的中國經濟泡沫的一個問題\n公股行戶除了減少在中國的曝險機制以外是不是應該嚴格的追蹤就是我們所有換款的對象是不是有轉投資到中國希望一個業內給我這樣子的一個素面報告謝謝部長謝謝委員謝謝賴惠惠委員的質詢待我們顏寬文委員質詢之後呢我們休息10分鐘接著我們請顏寬文委員質詢\n","vtt":"WEBVTT\n\n00:00.359 --> 00:05.722\n第一金控董事長有被點名到請大家自動上來部長早安\n\n00:12.435 --> 00:35.637\n部長我想延續在禮拜一就是我們的租賃公司的這個議題那我請教就是部長就是八家的公股、行庫借了租賃業多少錢你有掌握嗎跟委員報告到2月底八家公股、行庫對於融資公司的租賃公司貸款餘額總共是1246億\n\n00:37.879 --> 00:53.515\n一千兩百四十六億那我的資料是一千兩百六十八億那總反正因為總資就是一千兩百多億對不對那這八家公股銀行行庫代給融資公司我們知道他們做了什麼嗎\n\n00:55.014 --> 01:11.642\n我們可以看到了就是說這個貸款的餘額我們把它統計了出來那請問國庫署對於融資的一個主任公司拿了這些一千多億的錢做了什麼有沒有辦法還款你是不是有掌握呢\n\n01:13.700 --> 01:32.810\n根委員報告因為對於銀行在放貸給融資公司的時候他們都會做好落實他們的貸貸後管理所以除了差和借款人貸款資金的實力用途以外也會防止銀行那個資金流入所以就是說基本上他們都是有符合到我們金融業的ESG的一個標準嗎?\n\n01:33.670 --> 01:47.198\n是啊這個他們會去檢視沒有錯嘛對不對所以就是說我們基本上就是說所有就是ESG的一個標準我們銀行的授信以前我們必須要嚴格的去審查\n\n01:48.271 --> 02:14.366\n好,部長,嚴格的去審查在這裡頭我們從這個低金控公告的ESG裡頭有特別特別的強調就是說在授信前的一個那個審查的一個機制的一個流程圖裡頭特別強調公司內控的一個負面的一個議題還有是不是乘坐高爭議性的一個產業我們都要納入風險的評估\n\n02:16.128 --> 02:18.862\n是的!是的!那個第一金控董事長對不對?\n\n02:21.102 --> 02:48.344\n這個是你們自己做的?是,回答委員是的沒有問題?是好那還是一樣再請教部長跟署長目前就是八大公股銀行行庫裡頭是不是都採用相同或是相近標準的做受信錢的一個審查?所有公股行庫在受信錢都有一定的審查而且它必須符合金管會以及銀行公會所有的受信審查原則都要符合的\n\n02:48.945 --> 03:01.601\n市部長我跟你講你只要打開你的手機用一個關鍵字只要一個貸款的貸那你全部跳出來的是什麼一台摩托車可以\n\n03:03.120 --> 03:31.595\n借30萬輕輕鬆鬆不用財力證明然後一台超過15年的汽車可以借到80萬你試著操作看看就是業者在換款的額度的一個輕鬆給這些學生然後給這些沒有資產能力比較下階層的這些人那是不是就是禁止乘坐高正義性這個是不是高正義性的產業\n\n03:33.767 --> 03:58.629\n委員是基於保護年輕人他有時候就因為覺得便利就去貸款結果讓自己身上背了一堆債然後造成自己的信用整個就不好了對他人生未來是有影響那這個部分我們在貸出去的時候是給企業戶那至於這個企業戶您可能關心的是企業戶貸到以後錢拿去做什麼用八大公股銀行他們借出去的錢你們做了什麼\n\n03:59.770 --> 04:20.265\n你們說你們都有監控結果租賃公司是從銀行搬了錢然後再做地下錢莊的工作那我們為什麼不管呢?為什麼不管?我想這個部分讓我們各個銀行在貸款出去以後對的資金用途都會有做貸後管理\n\n04:22.365 --> 04:40.034\n事實上顯現出來在下一頁部長我再讓你看目前的在這個整個租賃業裡頭的龍頭的話就是我們中租中租的一個財報來看的話我們中租2023年12月底在我們台灣的債權研製力高達2.3\n\n04:41.815 --> 04:49.967\n那這樣換算的話他總金額是90億相較之下的銀行去年12月底的預放率他僅0.1%這個超過23%你怎麼解釋呢?\n\n04:55.643 --> 05:23.838\n跟委員報告那金管會我們跟金管會了解他也會將來會約他也會約已經約談了中租、合潤跟裕隆三家租賃業者那麼我們會進一步的會去了解銀行跟這些租賃業者的風險管理那這些公管銀行那個這些公股銀行是歸你管的然後這些人這些銀行提供了錢給租賃公司然後去做這麼多事情那\n\n05:24.838 --> 05:45.957\n你們怎麼講?你們把他推給...不是,我想跟委員報告一下,那委員提出這個問題也是非常重要那我們接下來會請我們公股、航空對這些租賃公司的一個融資貸款去全盤了解它的一個資金用途部長,你所有的回答其實基本上都是非常空的土地銀行在下一頁\n\n05:47.674 --> 06:11.454\n土地銀行在2024年統籌就是你們租給那個中租的一個年代案有沒有將中租抵合放高利貸及高研製的一個研製力納入風險的評估呢我想這個個案是不是可以由土地銀行來做說明的個案我剛就有請土地銀行要出列了\n\n06:17.714 --> 06:42.853\n所以土地銀行在去年的11頁你統籌主辦了中租抵合三年期那就是貸給他71億那你們講了說支持歷電產業可是你這裡頭連帶的還有兆豐還有和庫還有華蘭對不對是那你有沒有去追蹤呢報告委員這些錢是真的放在歷電產業還是\n\n06:45.265 --> 06:58.829\n送到中國大陸去了報告委員我們當初籌組這筆聯貸案它的主要資金用途去它是去建立這個太陽能的電廠所以是完全符合綠色綠電的一個產業你有追嗎當然是這是貸貨管理最重要的一部分\n\n07:03.530 --> 07:27.297\n是,好,那這樣子我跟你講甚至我在土銀我下一次再請教你所有你借出去的錢你借給租賃公司的錢它是不是有到中國去這個也是要再跟你特別再做一個我們再做一個探討所以在這裡我要跟所有在現場的我們所有的這個相關在金融的一個機構裡頭\n\n07:29.281 --> 07:46.196\n一SG這個S就是社會責任我們是不是有幫世紀人小明就是在擋呢他們背著一個高利貸一台摩托車可以借到30萬一個學生他在他需要買手機他需要買\n\n08:16.216 --> 08:41.264\n這個租賃公司越來越大尾他也可以是當鋪也可以是銀行那從銀行搬錢了那你們在這個錢授權給他的時候你們也非常的慷慨那他輕鬆的在公股銀行搬到錢了然後就做這些高利貸的工作那怎麼辦啊無法可管\n\n08:44.704 --> 09:14.122\n部長回答我是謝謝委員的提示我想這個部分代後的管理非常重要也就是資金的流向我們銀行有時候會專款專用對成立一個專戶做一定的資金用途這是您剛剛提到的就是說租賃公司有沒有把這個錢拿去以後去放高利貸讓許多年輕人不小心就是帶了錢然後造成他一輩子的信用上的一些影響我想我們這個部分會請公股航空特別注意然後對代後管理資金流向都要有所進一步的理解\n\n09:14.582 --> 09:14.682\n這是絕對不行的\n\n09:44.634 --> 10:14.057\n是我想就是說最後一頁這個部長我想想這樣子建議就是說你要檢討公股行庫ESG的一個認定標準那將主任業對民眾的一個換款的利率還有就是換款的標準還有顏值利等納入授信的標準以外你千萬千萬不能讓公股銀行成為合法高利貸的一個幫兇顯然你們現在就是幫兇了而你們不自覺你們還一直\n\n10:14.857 --> 10:33.956\n一而再再而三的一直在協助他們公股行庫若是發現以放貸的租賃業從事對學生的放高利貸的一個行為的時候你們是不是可以依契約收回貸款的款項有沒有辦法還有日漸升溫的中國經濟泡沫的一個問題\n\n10:35.157 --> 10:53.245\n公股行戶除了減少在中國的曝險機制以外是不是應該嚴格的追蹤就是我們所有換款的對象是不是有轉投資到中國希望一個業內給我這樣子的一個素面報告謝謝部長謝謝委員謝謝賴惠惠委員的質詢待我們顏寬文委員質詢之後呢我們休息10分鐘接著我們請顏寬文委員質詢\n\n","segments":[{"start":0.359,"end":5.722,"text":"第一金控董事長有被點名到請大家自動上來部長早安"},{"start":12.435,"end":35.637,"text":"部長我想延續在禮拜一就是我們的租賃公司的這個議題那我請教就是部長就是八家的公股、行庫借了租賃業多少錢你有掌握嗎跟委員報告到2月底八家公股、行庫對於融資公司的租賃公司貸款餘額總共是1246億"},{"start":37.879,"end":53.515,"text":"一千兩百四十六億那我的資料是一千兩百六十八億那總反正因為總資就是一千兩百多億對不對那這八家公股銀行行庫代給融資公司我們知道他們做了什麼嗎"},{"start":55.014,"end":71.642,"text":"我們可以看到了就是說這個貸款的餘額我們把它統計了出來那請問國庫署對於融資的一個主任公司拿了這些一千多億的錢做了什麼有沒有辦法還款你是不是有掌握呢"},{"start":73.7,"end":92.81,"text":"根委員報告因為對於銀行在放貸給融資公司的時候他們都會做好落實他們的貸貸後管理所以除了差和借款人貸款資金的實力用途以外也會防止銀行那個資金流入所以就是說基本上他們都是有符合到我們金融業的ESG的一個標準嗎?"},{"start":93.67,"end":107.198,"text":"是啊 這個他們會去檢視沒有錯嘛 對不對所以就是說我們基本上就是說所有就是ESG的一個標準我們銀行的授信以前我們必須要嚴格的去審查"},{"start":108.271,"end":134.366,"text":"好,部長,嚴格的去審查在這裡頭我們從這個低金控公告的ESG裡頭有特別特別的強調就是說在授信前的一個那個審查的一個機制的一個流程圖裡頭特別強調公司內控的一個負面的一個議題還有是不是乘坐高爭議性的一個產業我們都要納入風險的評估"},{"start":136.128,"end":138.862,"text":"是的!是的!那個第一金控董事長 對不對?"},{"start":141.102,"end":168.344,"text":"這個是你們自己做的?是,回答委員是的沒有問題?是好那還是一樣再請教部長跟署長目前就是八大公股銀行行庫裡頭是不是都採用相同或是相近標準的做受信錢的一個審查?所有公股行庫在受信錢都有一定的審查而且它必須符合金管會以及銀行公會所有的受信審查原則都要符合的"},{"start":168.945,"end":181.601,"text":"市部長我跟你講你只要打開你的手機用一個關鍵字只要一個貸款的貸那你全部跳出來的是什麼一台摩托車可以"},{"start":183.12,"end":211.595,"text":"借30萬輕輕鬆鬆不用財力證明然後一台超過15年的汽車可以借到80萬你試著操作看看就是業者在換款的額度的一個輕鬆給這些學生然後給這些沒有資產能力比較下階層的這些人那是不是就是禁止乘坐高正義性這個是不是高正義性的產業"},{"start":213.767,"end":238.629,"text":"委員是基於保護年輕人他有時候就因為覺得便利就去貸款結果讓自己身上背了一堆債然後造成自己的信用整個就不好了對他人生未來是有影響那這個部分我們在貸出去的時候是給企業戶那至於這個企業戶您可能關心的是企業戶貸到以後錢拿去做什麼用八大公股銀行他們借出去的錢你們做了什麼"},{"start":239.77,"end":260.265,"text":"你們說你們都有監控結果租賃公司是從銀行搬了錢然後再做地下錢莊的工作那我們為什麼不管呢?為什麼不管?我想這個部分讓我們各個銀行在貸款出去以後對的資金用途都會有做貸後管理"},{"start":262.365,"end":280.034,"text":"事實上顯現出來在下一頁部長我再讓你看目前的在這個整個租賃業裡頭的龍頭的話就是我們中租中租的一個財報來看的話我們中租2023年12月底在我們台灣的債權研製力高達2.3"},{"start":281.815,"end":289.967,"text":"那這樣換算的話他總金額是90億相較之下的銀行去年12月底的預放率他僅0.1%這個超過23%你怎麼解釋呢?"},{"start":295.643,"end":323.838,"text":"跟委員報告那金管會我們跟金管會了解他也會將來會約他也會約已經約談了中租、合潤跟裕隆三家租賃業者那麼我們會進一步的會去了解銀行跟這些租賃業者的風險管理那這些公管銀行那個這些公股銀行是歸你管的然後這些人這些銀行提供了錢給租賃公司然後去做這麼多事情那"},{"start":324.838,"end":345.957,"text":"你們怎麼講?你們把他推給...不是,我想跟委員報告一下,那委員提出這個問題也是非常重要那我們接下來會請我們公股、航空對這些租賃公司的一個融資貸款去全盤了解它的一個資金用途部長,你所有的回答其實基本上都是非常空的土地銀行在下一頁"},{"start":347.674,"end":371.454,"text":"土地銀行在2024年統籌就是你們租給那個中租的一個年代案有沒有將中租抵合放高利貸及高研製的一個研製力納入風險的評估呢我想這個個案是不是可以由土地銀行來做說明的個案我剛就有請土地銀行要出列了"},{"start":377.714,"end":402.853,"text":"所以土地銀行在去年的11頁你統籌主辦了中租抵合三年期那就是貸給他71億那你們講了說支持歷電產業可是你這裡頭連帶的還有兆豐還有和庫還有華蘭對不對是那你有沒有去追蹤呢報告委員這些錢是真的放在歷電產業還是"},{"start":405.265,"end":418.829,"text":"送到中國大陸去了報告委員我們當初籌組這筆聯貸案它的主要資金用途去它是去建立這個太陽能的電廠所以是完全符合綠色綠電的一個產業你有追嗎當然是這是貸貨管理最重要的一部分"},{"start":423.53,"end":447.297,"text":"是,好,那這樣子我跟你講甚至我在土銀我下一次再請教你所有你借出去的錢你借給租賃公司的錢它是不是有到中國去這個也是要再跟你特別再做一個我們再做一個探討所以在這裡我要跟所有在現場的我們所有的這個相關在金融的一個機構裡頭"},{"start":449.281,"end":466.196,"text":"一SG這個S就是社會責任我們是不是有幫世紀人小明就是在擋呢他們背著一個高利貸一台摩托車可以借到30萬一個學生他在他需要買手機他需要買"},{"start":467.705,"end":495.776,"text":"⋯⋯"},{"start":496.216,"end":521.264,"text":"這個租賃公司越來越大尾他也可以是當鋪也可以是銀行那從銀行搬錢了那你們在這個錢授權給他的時候你們也非常的慷慨那他輕鬆的在公股銀行搬到錢了然後就做這些高利貸的工作那怎麼辦啊無法可管"},{"start":524.704,"end":554.122,"text":"部長回答我是謝謝委員的提示我想這個部分代後的管理非常重要也就是資金的流向我們銀行有時候會專款專用對成立一個專戶做一定的資金用途這是您剛剛提到的就是說租賃公司有沒有把這個錢拿去以後去放高利貸讓許多年輕人不小心就是帶了錢然後造成他一輩子的信用上的一些影響我想我們這個部分會請公股航空特別注意然後對代後管理資金流向都要有所進一步的理解"},{"start":554.582,"end":554.682,"text":"這是絕對不行的"},{"start":584.634,"end":614.057,"text":"是我想就是說最後一頁這個部長我想想這樣子建議就是說你要檢討公股行庫ESG的一個認定標準那將主任業對民眾的一個換款的利率還有就是換款的標準還有顏值利等納入授信的標準以外你千萬千萬不能讓公股銀行成為合法高利貸的一個幫兇顯然你們現在就是幫兇了而你們不自覺你們還一直"},{"start":614.857,"end":633.956,"text":"一而再再而三的一直在協助他們公股行庫若是發現以放貸的租賃業從事對學生的放高利貸的一個行為的時候你們是不是可以依契約收回貸款的款項有沒有辦法還有日漸升溫的中國經濟泡沫的一個問題"},{"start":635.157,"end":653.245,"text":"公股行戶除了減少在中國的曝險機制以外是不是應該嚴格的追蹤就是我們所有換款的對象是不是有轉投資到中國希望一個業內給我這樣子的一個素面報告謝謝部長謝謝委員謝謝賴惠惠委員的質詢待我們顏寬文委員質詢之後呢我們休息10分鐘接著我們請顏寬文委員質詢"}]}}}}