{"id":151259,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/151259","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/cfb4b12132f016276873452b6e428a80cf744a9f110b3b1fc5dab72e655c1c94e3ec96120a5fbaaf5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"李坤城","委員發言時間":"10:53:35 - 11:05:57","影片長度":"00:12:22","會議時間":"2024-04-17T09:00:00+08:00","會議名稱":"立法院第11屆第1會期財政委員會第8次全體委員會議（事由：邀請金融監督管理委員會黃主任委員天牧、財政部莊部長翠雲、經濟部、行政院消費者保護處就「如何改善我國融資公司因缺乏監管所衍生之社會亂象，以穩定金融市場並保障消費者權益」進行專題報告，並備質詢；另邀請內政部警政署、法務部列席備詢。）","meet":{"tmpMeeting":null,"title":"第11屆第1會期財政委員會第8次全體委員會議","term":11,"type":"委員會","sessionPeriod":1,"sessionTimes":8,"committees":[20],"id":"委員會-11-1-20-8"},"date":"2024-04-17","duration":742,"end_time":"2024-04-17T11:05:57+08:00","start_time":"2024-04-17T10:53:35+08:00","features":["ai-transcript","gazette"],"type":"Clip","gazette":{"lineno":574,"blocks":[["李委員坤城：（10時53分）謝謝主席。請金管會黃主委。"],["主席：有請黃主委。"],["黃主任委員天牧：委員好。"],["李委員坤城：主委好。不好意思，剛剛喝水，有喝夠了嗎？"],["黃主任委員天牧：可以，謝謝。不好意思，耽誤您的時間，對不起。"],["李委員坤城：沒有，我比較不好意思，你也辛苦了。這個報告大概晚了兩個禮拜，因為上次要來報告的時遇到大地震，結果沒想到今天再來報告的時候也遇到人事的地震，主委也辛苦了。"],["黃主任委員天牧：有嗎？可是我們有增加內容，第7頁有更新內容，不是照兩個禮拜前的再給委員。"],["李委員坤城：請教一下主委，大家都很關心這件事情，我們常常在網路上看到很多融資公司或是先買後付的釣魚式廣告講，信用瑕疵可以貸，一般商品也可以貸，手機也可以貸，而且是低利貸款，也講到貸款條件不拘，隨來隨借、保證過件、超高額度，還有最新型的手機app貸款，按照手機的指示就可以申辦，甚至不知道實際上的利率是多少，讓你貸款的時候非常方便，但處處都是陷阱，所以也產生了很多弊端。第一個、聯徵的死角，第二個、超高的利率，違約金跟遲延循環利息一起來算，可貸成數也沒有限制，甚至以數倍計，然後萬物皆可貸，所以造成這些弊端。雖然4月初開始，不管是先買後付或是中古車，業者都有一些自律條款上路。請問一下，剛剛本席所問的那一些問題，按照這些租賃公司的自律條款有辦法來解決嗎？"],["黃主任委員天牧：您剛才垂詢的，有一些部分其實都已經納入了。我是不是可以請局長跟您比較完整的說明？"],["莊局長琇媛：針對剛剛委員所提到，尤其是弊端二、超高利率、違約金跟延遲利息併計的部分，租賃公會的自律規範已經說這兩個不能並行。再來，成數無限制、甚至以倍計，這個部分涉及到廣告不實會有誤導，所以在自律規範裡面也要求租賃公司對於行銷單位……因為有一些行銷廣告其實是代辦公司或者是業務合作的……"],["李委員坤城：這個廣告，誰來管？"],["莊局長琇媛：這就變成是由租賃公司對合作的對象去管。至於萬物皆可貸也還是涉及到行銷不實，所以這個部分也是透過自律規範，其實都有明定。"],["李委員坤城：這有罰則嗎？"],["莊局長琇媛：自律規範的罰則就是公會對會員如果違反自律規範，會有什麼樣的罰則，所以到底用什麼樣的處罰方式，還是要……"],["李委員坤城：看起來沒有處罰，我大概看了一下他們的自律規範，第一個、沒有處罰，第二個、有溯及既往嗎？還是從4月初他們自律規範訂了之後才開始？過去呢？過去也有超高利率，還有可貸成數無限制，過去的有辦法處理嗎？"],["莊局長琇媛：三大租賃公司跟我們說，對於過去的事情，他們還是會按照民法，哪怕原來如果沒有按照這樣的規定，他們現在對於以前曾經的……"],["李委員坤城：他們過去就是沒有按照民法，所以才有這麼多的一些……"],["莊局長琇媛：對，所以他們說有一些案子後續會按照民法的規定來做。"],["李委員坤城：NO！你這樣講，我覺得有講跟沒講一樣。你們要去審視，如果過去的規定都已經違反民法相關規定，怎麼可以一刀切？4月4號之後的就按照自律規範，4月3號之前的就還是按照舊的？他違法就違法！你們要請租賃公司審視過去的契約，如果有違反相關規定，這個契約就應該作廢、沒有效了吧？"],["莊局長琇媛：對，我剛剛所說的就是，租賃公司不會因為之前的契約已經生效，他們以後對於消費者的這個部分，會遵守最新的自律規範。"],["李委員坤城：我是說之前簽的約。"],["莊局長琇媛：他還是會按照最新的自律規範。"],["李委員坤城：意思是可以溯及既往就對了？"],["莊局長琇媛：是。"],["李委員坤城：好，你剛才提到的四個弊端，第一個、聯徵死角，你沒有回答我，現在聯徵還是死角嗎？租賃公司跟聯徵中心到底有沒有連線？"],["莊局長琇媛：現在租賃公司有一部分，如果當他需要消費者的信用報告，因為是消費者希望取得信用報告，所以當消費者同意之下，他取得信用報告的時候，他們會把對消費者的授信報到聯徵中心……"],["李委員坤城：所以是租賃公司主動跟要借貸的人要資料，他才去？"],["莊局長琇媛：對。"],["李委員坤城：所以這個就是沒有限制嘛？"],["莊局長琇媛：對。因為這個已經取得消費者的同意，所以他可以報資料。"],["李委員坤城：一般跟銀行借款都會去聯徵，看個人的借貸紀錄怎麼樣，才決定到底要不要借或借多少。為什麼租賃公司不要？融資公司不用？我的意思是說這個為什麼沒有強制性呢？"],["莊局長琇媛：報告委員，銀行因為風險控管非常的嚴格，所以……"],["李委員坤城：對，這就是問題所在嘛，我們對於租賃公司的控管風險沒有這麼嚴格啊！"],["莊局長琇媛：對，報告委員，針對租賃公司，其實我們在跟他談的過程中，他們有跟我們反映，因為他們相對於其他銀行來說，他的速度很快，可能當天就可以……"],["李委員坤城：沒有，不是！這個問題就在於說，通常比如是信用可能不是很好的人，他向銀行借不到錢了，才到租賃公司去借吧，所以如果再去聯徵的話，大概就過不了，應該是這個原因吧？但是我們是認為，當然對有些人來講他有這個需求，但是如果能夠跟聯徵中心配合的話，至少租賃公司在借貸的時候有一個比例嘛，就是大概可以借多少，不是沒有限制，甚至借更多給他，形成一種惡性的循環啊，所以我才覺得是不是應該在有人要來借貸的時候，每個租賃公司就必須要跟聯徵中心來做一個審視，就是到底來借貸的人的信用有沒有問題，不然這個就變成是空的了嘛，就變成我的信用不好，我在銀行借不到，我就可以去租賃公司借嘛！"],["莊局長琇媛：報告委員，其實我非常贊同您的想法，可是因為聯徵中心是一個會員制，他所有的會員其實都是以銀行為主，所以……"],["李委員坤城：這個就是你們要去處理的問題嘛，如果你覺得我的想法也不錯，也可以讓這個現象，就是這個山道猴子的現象一直惡性循環，你們就應該去做啊！"],["黃主任委員天牧：委員，我跟您報告，其實我們有處理，過去從前年開始，因為聯徵是會員制，只有銀行才能加入，有一種方式，現在就是像那種做線上P2P的公司，我們開第二資料庫，他用很快的方式由個人去申請……"],["李委員坤城：那租賃公司也可以啊！"],["黃主任委員天牧：用轉介、轉交的方式，就是他以很快的方式取得你的credit report，然後交給這個公司，也是一種方式，不直接取得，但是由個人去取得。"],["李委員坤城：這個你們去設計嘛，我是希望聯徵在有關於信用紀錄的這個方面你們也要做處理啊，你不能跟我講那是會員制，他不是會員，銀行是會員才可以加入啊。"],["黃主任委員天牧：報告委員，我瞭解……"],["李委員坤城：我的想法就是說，你要去看那個人的借貸信用到底是怎麼樣，如果不好的話就不應該再一直借他啊！當然租賃公要賺錢，可是對那個人來講，他可能在沒有任何限制的情況之下就越借越多，然後越欠越多啊！"],["黃主任委員天牧：好，委員，我想您垂詢的地方我們會努力跟聯徵中心那邊去瞭解……"],["李委員坤城：不是，這個你們要去處理，我覺得你們要去處理，好不好？有關信用聯徵的這個部分，可不可以去處理？"],["黃主任委員天牧：其實也要看租賃公司自己本身的想法，我想我們會去研究……"],["李委員坤城：你們要看他的想法，那他一定說不用啊，維持現狀是最好了啊！"],["黃主任委員天牧：對。"],["李委員坤城：我們就是認為有問題今天才請你們來做報告啊，對不對？這個你們要想出一個對策出來，好不好？"],["黃主任委員天牧：我瞭解，跟委員報告，聯徵那邊傳統上對這一塊有他既定的一個，我們要去努力啦！"],["李委員坤城：你們要去突破，你們要去突破，這個是一個問題所在。","再請問一下，我們現在八大官股行庫對於融資公司的貸款有一千三百多億，再加上購買三家租賃公司的公司債二百多億，所以總共融資公司從八大行庫至少搬了快一千五百億左右，請問一下，融資公司跟公股銀行融資，然後再把這個錢再借貸出去，中間有沒有利差？"],["黃主任委員天牧：這個當然應該要有啊，你借錢是成本，然後當然要轉貸出去……"],["李委員坤城：那就是借便宜的，跟公股銀行借錢比較便宜，我再把這個借來的錢用比較高的利息去借給人家，是這樣賺錢的嗎？"],["黃主任委員天牧：銀行法有相關利率上面的規定啦。"],["李委員坤城：沒有，我要請教的就是，如果租賃公司跟公股銀行借錢，我認為還是要有一個限制啦！"],["黃主任委員天牧：有關公股的部分，我們尊重財政部的決定，但是整體金融機構的部分，我們會再強化，謝謝。"],["李委員坤城：另外，有沒有催收的準則出來？"],["黃主任委員天牧：催收？目前好像……"],["李委員坤城：租賃公司的催收準則有出來嗎？因為現在很多租賃公司都把他的債權移轉，轉給黑道的也有啊，或是其他的什麼來催收的也有啊，催收的準則有沒有出來？"],["莊局長琇媛：有，報告委員，這次在自律規範裡面也有訂出來，他們不管是自己催收，因為有些是自己催收，有些是會委外，不管是委外或自行催收……"],["李委員坤城：我們對金融機構的催收有一個定型化的契約嘛，有沒有？"],["莊局長琇媛：應該是說我們對他們的管理，這邊的催收要符合一切法令的規定。"],["李委員坤城：當然要符合，我的意思是說，在這次自律規範裡面有沒有催收的準則出來啦，因為……"],["莊局長琇媛：有。"],["李委員坤城：有嗎？"],["莊局長琇媛：我們原則性的規定有在這個自律規範裡面。"],["李委員坤城：這個講了很多都是租賃公司的自律啦，我們希望的是他律，就是講了很久的融資公司法能夠出來，有個主管單位叫做金管會。","因為我時間也到了，你時間也到了，可能就下次再來講啦！謝謝，謝謝主席。"],["黃主任委員天牧：謝謝委員。"],["主席：謝謝李坤城委員的質詢。因為李彥秀委員另有要公，我們等李彥秀委員質詢完再休息10分鐘。","請李彥秀委員質詢。"]],"agenda":{"page_end":148,"meet_id":"委員會-11-1-20-8","speakers":["郭國文","林德福","吳秉叡","賴士葆","王鴻薇","黃珊珊","賴惠員","李坤城","李彥秀","王世堅","顏寬恒","陳培瑜","陳玉珍","羅明才","林楚茵","洪孟楷","黃國昌","鄭天財Sra Kacaw","伍麗華Saidhai‧Tahovecahe","鍾佳濱","吳春城","陳亭妃","王定宇","邱志偉"],"page_start":81,"meetingDate":["2024-04-17"],"gazette_id":"1132901","agenda_lcidc_ids":["1132901_00004"],"meet_name":"立法院第11屆第1會期財政委員會第8次全體委員會議紀錄","content":"邀請金融監督管理委員會黃主任委員天牧、財政部莊部長翠雲、經濟部、行政院消費者保護處就\n「如何改善我國融資公司因缺乏監管所衍生之社會亂象，以穩定金融市場並保障消費者權益」進\n行專題報告，並備質詢；另邀請內政部警政署、法務部列席備詢","agenda_id":"1132901_00003"}},"transcript":{"id":"151259","pyannote":{"name":"ronny","tool":"pyannote","data":{"url":"https://ivod.ly.gov.tw/Play/Clip/1M/151259","tool":"pyannote","id":"151259-pyannote"},"job_id":"L49tNdLljqp03fKG","queued_at":"2024-05-31 23:49:45","status":"done","log":[{"time":"2024-05-31 23:50:30","msg":"downloading https://ivod.ly.gov.tw/Play/Clip/1M/151259"},{"time":"2024-05-31 23:50:31","msg":"downloading https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/cfb4b12132f016276873452b6e428a80cf744a9f110b3b1f82c78e8224ce83deecde3d0e319b7d535ea18f28b6918d91.mp4/playlist.m3u8"},{"time":"2024-05-31 23:50:53","msg":"converting mp4 to wav"},{"time":"2024-05-31 23:50:55","msg":"running pyannote"},{"time":"2024-05-31 23:51:08","msg":"status: done"}],"result":{"result":[[3.18659375,4.31721875,"SPEAKER_02"],[4.620968749999999,6.17346875,"SPEAKER_02"],[6.22409375,6.69659375,"SPEAKER_02"],[7.77659375,8.51909375,"SPEAKER_01"],[11.286593750000002,11.320343750000003,"SPEAKER_01"],[11.320343750000003,12.062843750000003,"SPEAKER_02"],[15.117218750000003,15.758468750000002,"SPEAKER_01"],[15.876593750000001,16.58534375,"SPEAKER_02"],[16.85534375,18.00284375,"SPEAKER_02"],[18.137843750000002,19.454093750000002,"SPEAKER_02"],[19.75784375,21.95159375,"SPEAKER_01"],[21.95159375,36.04221875,"SPEAKER_02"],[34.52346875,34.92846875,"SPEAKER_01"],[36.04221875,44.17596875,"SPEAKER_01"],[39.704093750000006,39.940343750000004,"SPEAKER_02"],[40.345343750000005,41.205968750000004,"SPEAKER_02"],[44.17596875,44.37846875,"SPEAKER_02"],[44.51346875,46.369718750000004,"SPEAKER_02"],[46.40346875,54.385343750000004,"SPEAKER_02"],[54.570968750000006,60.595343750000005,"SPEAKER_02"],[60.98346875,62.265968750000006,"SPEAKER_02"],[62.51909375,77.06534375000001,"SPEAKER_02"],[77.16659375,81.16596875,"SPEAKER_02"],[81.38534375,90.91971875,"SPEAKER_02"],[91.17284375000001,94.04159375,"SPEAKER_02"],[94.36221875000001,99.47534375000001,"SPEAKER_02"],[99.47534375000001,99.52596875,"SPEAKER_01"],[99.52596875,99.57659375,"SPEAKER_02"],[99.59346875,99.61034375000001,"SPEAKER_02"],[99.64409375000001,101.61846875,"SPEAKER_02"],[101.95596875000001,104.50409375000001,"SPEAKER_02"],[104.75721875,105.46596875,"SPEAKER_02"],[105.87096875,111.69284375000001,"SPEAKER_02"],[112.01346875,119.16846875,"SPEAKER_02"],[119.26971875000001,141.91596875000002,"SPEAKER_02"],[142.40534375000001,148.68284375000002,"SPEAKER_01"],[150.55596875,166.28346875,"SPEAKER_00"],[166.31721875000002,166.65471875,"SPEAKER_02"],[166.57034375,167.68409375000002,"SPEAKER_00"],[167.93721875,185.20034375,"SPEAKER_00"],[172.52721875,172.91534375,"SPEAKER_02"],[173.65784375,173.97846875000002,"SPEAKER_02"],[173.97846875000002,173.99534375000002,"SPEAKER_01"],[184.76159375,186.66846875000002,"SPEAKER_02"],[186.78659375,191.83221875,"SPEAKER_00"],[191.83221875,192.22034375,"SPEAKER_02"],[192.45659375000002,201.88971875000001,"SPEAKER_00"],[197.55284375000002,197.85659375,"SPEAKER_02"],[201.53534375,202.96971875000003,"SPEAKER_02"],[203.66159375,215.81159375000001,"SPEAKER_00"],[215.86221875,215.87909375,"SPEAKER_00"],[215.87909375,220.33409375000002,"SPEAKER_02"],[220.60409375,228.55221875,"SPEAKER_02"],[228.95721875,233.86784375000002,"SPEAKER_02"],[235.96034375000002,237.17534375000002,"SPEAKER_02"],[237.96846875000003,240.31409375,"SPEAKER_00"],[240.90471875000003,242.92971875,"SPEAKER_00"],[243.33471875,251.65409375000002,"SPEAKER_00"],[251.65409375000002,256.00784375,"SPEAKER_02"],[253.84784375,260.34471875,"SPEAKER_00"],[260.22659375,265.55909375000005,"SPEAKER_02"],[265.87971875,277.28721875,"SPEAKER_02"],[278.68784375,283.42971875,"SPEAKER_02"],[283.58159375,288.37409375000004,"SPEAKER_02"],[289.26846875,302.54909375,"SPEAKER_00"],[302.97096875,305.01284375,"SPEAKER_02"],[305.26596875,309.31596875,"SPEAKER_00"],[308.40471875000003,310.59846875,"SPEAKER_02"],[311.05409375,317.63534375,"SPEAKER_02"],[319.35659375,322.27596875,"SPEAKER_02"],[322.59659375,323.71034375,"SPEAKER_02"],[324.19971875000005,337.75034375,"SPEAKER_00"],[338.20596875,348.22971875,"SPEAKER_00"],[348.39846875,353.07284375,"SPEAKER_02"],[353.76471875000004,357.66284375000004,"SPEAKER_02"],[357.93284375,360.43034375,"SPEAKER_02"],[360.90284375000005,366.53909375,"SPEAKER_00"],[364.85159375,371.80409375000005,"SPEAKER_02"],[372.07409375000003,375.22971875,"SPEAKER_02"],[375.36471875,377.94659375000003,"SPEAKER_02"],[378.26721875000004,380.91659375,"SPEAKER_02"],[381.49034375,386.06346875,"SPEAKER_00"],[386.06346875,391.61534375,"SPEAKER_02"],[392.10471875,403.14096875,"SPEAKER_00"],[403.39409375,405.30096875000004,"SPEAKER_00"],[404.72721875,412.79346875000005,"SPEAKER_02"],[413.40096875,415.93221875,"SPEAKER_02"],[416.47221875,419.50971875000005,"SPEAKER_02"],[419.76284375,421.95659375,"SPEAKER_02"],[422.49659375000005,426.04034375000003,"SPEAKER_02"],[426.29346875000005,428.21721875000003,"SPEAKER_02"],[428.25096875,429.16221875,"SPEAKER_02"],[429.61784375,432.87471875000006,"SPEAKER_02"],[433.21221875000003,435.00096875,"SPEAKER_02"],[435.10221875,436.31721875000005,"SPEAKER_02"],[436.65471875000003,457.63034375,"SPEAKER_02"],[458.50784375,470.79284375000003,"SPEAKER_00"],[470.92784375,470.94471875000005,"SPEAKER_00"],[470.94471875000005,483.31409375000004,"SPEAKER_02"],[483.61784375,489.15284375000005,"SPEAKER_01"],[489.20346875,493.40534375000004,"SPEAKER_01"],[493.55721875,512.9128437500001,"SPEAKER_01"],[499.24409375000005,500.89784375000005,"SPEAKER_02"],[512.9128437500001,520.72596875,"SPEAKER_02"],[520.84409375,526.36221875,"SPEAKER_02"],[527.1384687500001,528.06659375,"SPEAKER_01"],[527.79659375,537.34784375,"SPEAKER_02"],[537.5503437500001,539.86221875,"SPEAKER_02"],[539.96346875,543.9797187500001,"SPEAKER_02"],[546.1397187499999,552.7378437500001,"SPEAKER_01"],[552.7378437500001,559.38659375,"SPEAKER_02"],[553.04159375,553.32846875,"SPEAKER_01"],[559.6059687500001,560.55096875,"SPEAKER_02"],[561.64784375,568.27971875,"SPEAKER_01"],[566.99721875,570.7265937500001,"SPEAKER_02"],[568.41471875,569.1572187500001,"SPEAKER_01"],[570.06846875,570.77721875,"SPEAKER_01"],[570.77721875,570.82784375,"SPEAKER_02"],[570.82784375,570.8953437499999,"SPEAKER_01"],[570.8953437499999,570.9965937500001,"SPEAKER_02"],[571.23284375,575.13096875,"SPEAKER_02"],[575.7722187500001,575.97471875,"SPEAKER_01"],[576.12659375,578.0672187499999,"SPEAKER_02"],[577.29096875,585.39096875,"SPEAKER_01"],[584.44596875,611.3953437499999,"SPEAKER_02"],[611.71596875,613.4709687500001,"SPEAKER_02"],[613.79159375,614.92221875,"SPEAKER_02"],[615.12471875,617.8415937500001,"SPEAKER_02"],[618.06096875,619.14096875,"SPEAKER_02"],[621.26721875,627.1397187499999,"SPEAKER_01"],[626.75159375,636.77534375,"SPEAKER_02"],[638.0747187500001,638.74971875,"SPEAKER_01"],[639.42471875,643.9809687500001,"SPEAKER_01"],[643.9809687500001,645.1453437499999,"SPEAKER_02"],[645.6515937500001,654.9834687499999,"SPEAKER_02"],[655.20284375,658.79721875,"SPEAKER_02"],[658.8984687500001,659.1684687500001,"SPEAKER_01"],[659.4384687500001,667.8759687500001,"SPEAKER_01"],[667.4709687500001,670.6772187500001,"SPEAKER_02"],[671.9765937500001,674.3897187500002,"SPEAKER_01"],[673.6303437500001,678.4734687499999,"SPEAKER_02"],[678.9965937500001,687.1303437500001,"SPEAKER_02"],[687.48471875,698.8247187500001,"SPEAKER_00"],[698.50409375,702.3684687500001,"SPEAKER_02"],[703.00971875,703.4822187500001,"SPEAKER_02"],[703.6340937500001,711.43034375,"SPEAKER_00"],[711.53159375,717.03284375,"SPEAKER_02"],[717.2690937500001,717.6909687500001,"SPEAKER_02"],[717.4209687500002,720.6609687499999,"SPEAKER_00"],[720.6609687499999,726.90471875,"SPEAKER_02"],[727.27596875,732.25409375,"SPEAKER_02"],[732.4734687499999,738.8015937499999,"SPEAKER_02"],[738.43034375,743.2734687500001,"SPEAKER_01"]]}},"whisperx":{"name":"ronny","tool":"whisperx","data":{"url":"https://ivod.ly.gov.tw/Play/Clip/1M/151259","tool":"whisperx","id":"151259-whisperx","init_prompt":"會議名稱：立法院第11屆第1會期財政委員會第8次全體委員會議（事由：邀請金融監督管理委員會黃主任委員天牧、財政部莊部長翠雲、經濟部、行政院消費者保護處就「如何改善我國融資公司因缺乏監管所衍生之社會亂象，以穩定金融市場並保障消費者權益」進行專題報告，並備質詢；另邀請內政部警政署、法務部列席備詢。）\n發"},"job_id":"Hq9yoyI9aiPtfFhw","queued_at":"2024-05-31 23:49:46","status":"done","log":[{"time":"2024-05-31 23:51:08","msg":"https://ivod.ly.gov.tw/Play/Clip/1M/151259 already downloaded"},{"time":"2024-05-31 23:51:08","msg":"running whisperx with  --language zh --model large-v3 --initial_prompt '會議名稱：立法院第11屆第1會期財政委員會第8次全體委員會議（事由：邀請金融監督管理委員會黃主任委員天牧、財政部莊部長翠雲、經濟部、行政院消費者保護處就「如何改善我國融資公司因缺乏監管所衍生之社會亂象，以穩定金融市場並保障消費者權益」進行專題報告，並備質詢；另邀請內政部警政署、法務部列席備詢。）\n發'"},{"time":"2024-05-31 23:51:31","msg":"merging result"},{"time":"2024-05-31 23:51:31","msg":"status: done"}],"result":{"json":"{\"segments\": [{\"start\": 3.846, \"end\": 29.282, \"text\": \"謝謝主席我們請這個金管會黃主委有請有請黃主委主委好不好意思剛喝水有喝過了嗎可以謝謝不好意思耽誤您時間沒有沒有不要不好意思也辛苦了啦那這個報告是大概晚了兩個禮拜因為上次要來報告的時候遇到大地震\", \"words\": [{\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"主\", \"start\": 3.846, \"end\": 4.007, \"score\": 0.989}, {\"word\": \"席\", \"start\": 4.007, \"end\": 4.727, \"score\": 0.978}, {\"word\": \"我\", \"start\": 4.727, \"end\": 5.507, \"score\": 0.896}, {\"word\": \"們\"}, {\"word\": \"請\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"金\", \"start\": 5.507, \"end\": 5.648, \"score\": 0.973}, {\"word\": \"管\", \"start\": 5.648, \"end\": 6.408, \"score\": 0.948}, {\"word\": \"會\"}, {\"word\": \"黃\"}, {\"word\": \"主\", \"start\": 6.408, \"end\": 6.528, \"score\": 0.838}, {\"word\": \"委\", \"start\": 6.528, \"end\": 7.829, \"score\": 0.985}, {\"word\": \"有\", \"start\": 7.829, \"end\": 11.331, \"score\": 0.873}, {\"word\": \"請\"}, {\"word\": \"有\", \"start\": 11.331, \"end\": 11.471, \"score\": 0.987}, {\"word\": \"請\"}, {\"word\": \"黃\"}, {\"word\": \"主\", \"start\": 11.471, \"end\": 11.631, \"score\": 0.874}, {\"word\": \"委\", \"start\": 11.631, \"end\": 11.811, \"score\": 0.889}, {\"word\": \"主\", \"start\": 11.811, \"end\": 11.951, \"score\": 0.857}, {\"word\": \"委\", \"start\": 11.951, \"end\": 15.594, \"score\": 0.829}, {\"word\": \"好\", \"start\": 15.594, \"end\": 16.174, \"score\": 0.966}, {\"word\": \"不\", \"start\": 16.174, \"end\": 16.334, \"score\": 0.873}, {\"word\": \"好\", \"start\": 16.334, \"end\": 17.355, \"score\": 0.959}, {\"word\": \"意\", \"start\": 17.355, \"end\": 17.415, \"score\": 0.666}, {\"word\": \"思\", \"start\": 17.415, \"end\": 18.335, \"score\": 0.956}, {\"word\": \"剛\"}, {\"word\": \"喝\", \"start\": 18.335, \"end\": 18.535, \"score\": 0.967}, {\"word\": \"水\", \"start\": 18.535, \"end\": 18.655, \"score\": 0.855}, {\"word\": \"有\", \"start\": 18.655, \"end\": 18.816, \"score\": 0.877}, {\"word\": \"喝\", \"start\": 18.816, \"end\": 19.156, \"score\": 0.88}, {\"word\": \"過\"}, {\"word\": \"了\", \"start\": 19.156, \"end\": 19.836, \"score\": 0.97}, {\"word\": \"嗎\"}, {\"word\": \"可\", \"start\": 19.836, \"end\": 20.016, \"score\": 0.997}, {\"word\": \"以\", \"start\": 20.016, \"end\": 20.637, \"score\": 0.903}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"不\", \"start\": 20.637, \"end\": 20.737, \"score\": 0.817}, {\"word\": \"好\", \"start\": 20.737, \"end\": 20.857, \"score\": 0.832}, {\"word\": \"意\", \"start\": 20.857, \"end\": 20.977, \"score\": 0.855}, {\"word\": \"思\", \"start\": 20.977, \"end\": 21.117, \"score\": 0.877}, {\"word\": \"耽\", \"start\": 21.117, \"end\": 21.357, \"score\": 0.835}, {\"word\": \"誤\"}, {\"word\": \"您\", \"start\": 21.357, \"end\": 21.917, \"score\": 0.893}, {\"word\": \"時\"}, {\"word\": \"間\"}, {\"word\": \"沒\", \"start\": 21.917, \"end\": 22.037, \"score\": 0.832}, {\"word\": \"有\", \"start\": 22.037, \"end\": 22.057, \"score\": 0.007}, {\"word\": \"沒\", \"start\": 22.057, \"end\": 22.178, \"score\": 0.828}, {\"word\": \"有\", \"start\": 22.178, \"end\": 22.618, \"score\": 0.986}, {\"word\": \"不\", \"start\": 22.618, \"end\": 22.698, \"score\": 0.75}, {\"word\": \"要\", \"start\": 22.698, \"end\": 22.718, \"score\": 0.0}, {\"word\": \"不\", \"start\": 22.718, \"end\": 22.758, \"score\": 0.5}, {\"word\": \"好\", \"start\": 22.758, \"end\": 22.898, \"score\": 0.854}, {\"word\": \"意\", \"start\": 22.898, \"end\": 22.998, \"score\": 0.8}, {\"word\": \"思\", \"start\": 22.998, \"end\": 23.298, \"score\": 0.867}, {\"word\": \"也\", \"start\": 23.298, \"end\": 23.398, \"score\": 0.839}, {\"word\": \"辛\", \"start\": 23.398, \"end\": 23.558, \"score\": 0.959}, {\"word\": \"苦\", \"start\": 23.558, \"end\": 23.698, \"score\": 0.945}, {\"word\": \"了\", \"start\": 23.698, \"end\": 23.799, \"score\": 0.822}, {\"word\": \"啦\", \"start\": 23.799, \"end\": 24.439, \"score\": 0.937}, {\"word\": \"那\", \"start\": 24.439, \"end\": 25.079, \"score\": 0.903}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 25.079, \"end\": 25.259, \"score\": 1.0}, {\"word\": \"是\", \"start\": 25.259, \"end\": 25.48, \"score\": 0.909}, {\"word\": \"大\", \"start\": 25.48, \"end\": 25.6, \"score\": 0.833}, {\"word\": \"概\", \"start\": 25.6, \"end\": 25.74, \"score\": 0.858}, {\"word\": \"晚\", \"start\": 25.74, \"end\": 25.88, \"score\": 0.994}, {\"word\": \"了\", \"start\": 25.88, \"end\": 26.36, \"score\": 0.839}, {\"word\": \"兩\"}, {\"word\": \"個\"}, {\"word\": \"禮\"}, {\"word\": \"拜\", \"start\": 26.36, \"end\": 27.021, \"score\": 0.982}, {\"word\": \"因\", \"start\": 27.021, \"end\": 27.281, \"score\": 0.906}, {\"word\": \"為\"}, {\"word\": \"上\", \"start\": 27.281, \"end\": 27.441, \"score\": 0.985}, {\"word\": \"次\", \"start\": 27.441, \"end\": 27.581, \"score\": 0.948}, {\"word\": \"要\", \"start\": 27.581, \"end\": 27.981, \"score\": 0.881}, {\"word\": \"來\"}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 27.981, \"end\": 28.181, \"score\": 0.999}, {\"word\": \"的\", \"start\": 28.181, \"end\": 28.261, \"score\": 0.75}, {\"word\": \"時\"}, {\"word\": \"候\", \"start\": 28.261, \"end\": 28.361, \"score\": 0.803}, {\"word\": \"遇\", \"start\": 28.361, \"end\": 28.461, \"score\": 0.987}, {\"word\": \"到\", \"start\": 28.461, \"end\": 28.962, \"score\": 1.0}, {\"word\": \"大\", \"start\": 28.962, \"end\": 29.102, \"score\": 1.0}, {\"word\": \"地\", \"start\": 29.102, \"end\": 29.262, \"score\": 0.918}, {\"word\": \"震\", \"start\": 29.262, \"end\": 29.282, \"score\": 0.356}]}, {\"start\": 29.847, \"end\": 29.987, \"text\": \"法務委員\", \"words\": [{\"word\": \"法\", \"start\": 29.847, \"end\": 29.967, \"score\": 0.833}, {\"word\": \"務\"}, {\"word\": \"委\", \"start\": 29.967, \"end\": 29.987, \"score\": 0.0}, {\"word\": \"員\"}]}, {\"start\": 45.274, \"end\": 72.355, \"text\": \"這個請教一下主委就是說這個大家都很關心這件事情那其實我們也常常在這個廣告上面這個網路的廣告上面也看到說有很多這個釣魚式的廣告關於這個融資公司的一些或是說這個先買後付的一些這些釣魚式的廣告他常常在講就是說你信用瑕疵也可以帶啦然後呢這個一般商品也可以帶啦手機也可以帶啦然後而且呢這個是低利貸款\", \"words\": [{\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"請\"}, {\"word\": \"教\", \"start\": 45.274, \"end\": 45.434, \"score\": 0.865}, {\"word\": \"一\", \"start\": 45.434, \"end\": 45.454, \"score\": 0.34}, {\"word\": \"下\", \"start\": 45.454, \"end\": 45.714, \"score\": 0.87}, {\"word\": \"主\", \"start\": 45.714, \"end\": 45.874, \"score\": 0.86}, {\"word\": \"委\", \"start\": 45.874, \"end\": 46.575, \"score\": 0.848}, {\"word\": \"就\", \"start\": 46.575, \"end\": 46.775, \"score\": 0.876}, {\"word\": \"是\", \"start\": 46.775, \"end\": 47.315, \"score\": 0.817}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"大\", \"start\": 47.315, \"end\": 47.415, \"score\": 0.999}, {\"word\": \"家\", \"start\": 47.415, \"end\": 47.495, \"score\": 0.733}, {\"word\": \"都\", \"start\": 47.495, \"end\": 47.615, \"score\": 0.688}, {\"word\": \"很\", \"start\": 47.615, \"end\": 47.896, \"score\": 0.772}, {\"word\": \"關\"}, {\"word\": \"心\", \"start\": 47.896, \"end\": 48.136, \"score\": 0.781}, {\"word\": \"這\"}, {\"word\": \"件\", \"start\": 48.136, \"end\": 48.316, \"score\": 0.75}, {\"word\": \"事\", \"start\": 48.316, \"end\": 48.476, \"score\": 0.846}, {\"word\": \"情\", \"start\": 48.476, \"end\": 49.016, \"score\": 0.892}, {\"word\": \"那\", \"start\": 49.016, \"end\": 49.157, \"score\": 0.83}, {\"word\": \"其\", \"start\": 49.157, \"end\": 49.417, \"score\": 0.909}, {\"word\": \"實\"}, {\"word\": \"我\", \"start\": 49.417, \"end\": 49.677, \"score\": 0.814}, {\"word\": \"們\"}, {\"word\": \"也\", \"start\": 49.677, \"end\": 49.817, \"score\": 0.986}, {\"word\": \"常\", \"start\": 49.817, \"end\": 49.957, \"score\": 0.75}, {\"word\": \"常\", \"start\": 49.957, \"end\": 50.137, \"score\": 0.767}, {\"word\": \"在\", \"start\": 50.137, \"end\": 51.478, \"score\": 0.911}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"廣\"}, {\"word\": \"告\", \"start\": 51.478, \"end\": 51.679, \"score\": 0.993}, {\"word\": \"上\", \"start\": 51.679, \"end\": 51.859, \"score\": 0.946}, {\"word\": \"面\", \"start\": 51.859, \"end\": 52.9, \"score\": 0.88}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"網\"}, {\"word\": \"路\", \"start\": 52.9, \"end\": 52.92, \"score\": 0.205}, {\"word\": \"的\", \"start\": 52.92, \"end\": 53.24, \"score\": 0.842}, {\"word\": \"廣\"}, {\"word\": \"告\", \"start\": 53.24, \"end\": 53.38, \"score\": 0.863}, {\"word\": \"上\", \"start\": 53.38, \"end\": 53.5, \"score\": 0.787}, {\"word\": \"面\", \"start\": 53.5, \"end\": 53.58, \"score\": 0.961}, {\"word\": \"也\", \"start\": 53.58, \"end\": 53.7, \"score\": 0.668}, {\"word\": \"看\", \"start\": 53.7, \"end\": 53.84, \"score\": 0.985}, {\"word\": \"到\", \"start\": 53.84, \"end\": 54.681, \"score\": 0.883}, {\"word\": \"說\"}, {\"word\": \"有\", \"start\": 54.681, \"end\": 54.801, \"score\": 0.867}, {\"word\": \"很\", \"start\": 54.801, \"end\": 54.961, \"score\": 0.857}, {\"word\": \"多\", \"start\": 54.961, \"end\": 55.682, \"score\": 0.778}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"釣\"}, {\"word\": \"魚\"}, {\"word\": \"式\", \"start\": 55.682, \"end\": 55.762, \"score\": 0.789}, {\"word\": \"的\", \"start\": 55.762, \"end\": 56.142, \"score\": 0.818}, {\"word\": \"廣\"}, {\"word\": \"告\", \"start\": 56.142, \"end\": 56.583, \"score\": 0.898}, {\"word\": \"關\"}, {\"word\": \"於\", \"start\": 56.583, \"end\": 57.363, \"score\": 0.862}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"融\", \"start\": 57.363, \"end\": 57.723, \"score\": 0.892}, {\"word\": \"資\"}, {\"word\": \"公\", \"start\": 57.723, \"end\": 57.924, \"score\": 0.966}, {\"word\": \"司\", \"start\": 57.924, \"end\": 58.044, \"score\": 0.988}, {\"word\": \"的\", \"start\": 58.044, \"end\": 58.164, \"score\": 0.932}, {\"word\": \"一\", \"start\": 58.164, \"end\": 58.304, \"score\": 0.875}, {\"word\": \"些\", \"start\": 58.304, \"end\": 58.644, \"score\": 0.971}, {\"word\": \"或\", \"start\": 58.644, \"end\": 58.804, \"score\": 0.759}, {\"word\": \"是\", \"start\": 58.804, \"end\": 59.505, \"score\": 0.887}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"先\", \"start\": 59.505, \"end\": 59.665, \"score\": 0.939}, {\"word\": \"買\"}, {\"word\": \"後\", \"start\": 59.665, \"end\": 60.025, \"score\": 0.834}, {\"word\": \"付\", \"start\": 60.025, \"end\": 60.145, \"score\": 0.581}, {\"word\": \"的\", \"start\": 60.145, \"end\": 60.265, \"score\": 0.813}, {\"word\": \"一\", \"start\": 60.265, \"end\": 60.366, \"score\": 0.798}, {\"word\": \"些\", \"start\": 60.366, \"end\": 61.246, \"score\": 0.931}, {\"word\": \"這\"}, {\"word\": \"些\", \"start\": 61.246, \"end\": 61.727, \"score\": 0.892}, {\"word\": \"釣\"}, {\"word\": \"魚\"}, {\"word\": \"式\", \"start\": 61.727, \"end\": 61.807, \"score\": 0.763}, {\"word\": \"的\", \"start\": 61.807, \"end\": 62.067, \"score\": 0.823}, {\"word\": \"廣\"}, {\"word\": \"告\", \"start\": 62.067, \"end\": 62.587, \"score\": 0.901}, {\"word\": \"他\", \"start\": 62.587, \"end\": 62.707, \"score\": 0.777}, {\"word\": \"常\", \"start\": 62.707, \"end\": 62.727, \"score\": 0.019}, {\"word\": \"常\", \"start\": 62.727, \"end\": 62.948, \"score\": 0.915}, {\"word\": \"在\", \"start\": 62.948, \"end\": 63.288, \"score\": 0.929}, {\"word\": \"講\"}, {\"word\": \"就\", \"start\": 63.288, \"end\": 63.488, \"score\": 0.898}, {\"word\": \"是\", \"start\": 63.488, \"end\": 63.808, \"score\": 0.856}, {\"word\": \"說\"}, {\"word\": \"你\", \"start\": 63.808, \"end\": 64.008, \"score\": 0.946}, {\"word\": \"信\", \"start\": 64.008, \"end\": 64.169, \"score\": 0.864}, {\"word\": \"用\", \"start\": 64.169, \"end\": 64.309, \"score\": 0.989}, {\"word\": \"瑕\", \"start\": 64.309, \"end\": 64.569, \"score\": 0.858}, {\"word\": \"疵\", \"start\": 64.569, \"end\": 64.689, \"score\": 0.636}, {\"word\": \"也\", \"start\": 64.689, \"end\": 64.829, \"score\": 0.989}, {\"word\": \"可\", \"start\": 64.829, \"end\": 64.949, \"score\": 0.898}, {\"word\": \"以\", \"start\": 64.949, \"end\": 65.33, \"score\": 0.919}, {\"word\": \"帶\"}, {\"word\": \"啦\", \"start\": 65.33, \"end\": 65.97, \"score\": 0.897}, {\"word\": \"然\", \"start\": 65.97, \"end\": 66.15, \"score\": 0.884}, {\"word\": \"後\", \"start\": 66.15, \"end\": 66.29, \"score\": 0.836}, {\"word\": \"呢\", \"start\": 66.29, \"end\": 67.351, \"score\": 0.904}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"一\", \"start\": 67.351, \"end\": 67.511, \"score\": 0.996}, {\"word\": \"般\", \"start\": 67.511, \"end\": 67.711, \"score\": 0.981}, {\"word\": \"商\", \"start\": 67.711, \"end\": 67.932, \"score\": 0.891}, {\"word\": \"品\", \"start\": 67.932, \"end\": 68.072, \"score\": 0.989}, {\"word\": \"也\", \"start\": 68.072, \"end\": 68.252, \"score\": 0.892}, {\"word\": \"可\", \"start\": 68.252, \"end\": 68.372, \"score\": 0.949}, {\"word\": \"以\", \"start\": 68.372, \"end\": 68.712, \"score\": 0.901}, {\"word\": \"帶\"}, {\"word\": \"啦\", \"start\": 68.712, \"end\": 69.052, \"score\": 0.935}, {\"word\": \"手\", \"start\": 69.052, \"end\": 69.393, \"score\": 0.859}, {\"word\": \"機\"}, {\"word\": \"也\", \"start\": 69.393, \"end\": 69.593, \"score\": 0.969}, {\"word\": \"可\", \"start\": 69.593, \"end\": 69.713, \"score\": 0.979}, {\"word\": \"以\", \"start\": 69.713, \"end\": 70.113, \"score\": 0.856}, {\"word\": \"帶\"}, {\"word\": \"啦\", \"start\": 70.113, \"end\": 70.814, \"score\": 0.907}, {\"word\": \"然\", \"start\": 70.814, \"end\": 70.974, \"score\": 0.872}, {\"word\": \"後\", \"start\": 70.974, \"end\": 71.094, \"score\": 0.83}, {\"word\": \"而\", \"start\": 71.094, \"end\": 71.234, \"score\": 0.699}, {\"word\": \"且\", \"start\": 71.234, \"end\": 71.394, \"score\": 0.975}, {\"word\": \"呢\", \"start\": 71.394, \"end\": 71.835, \"score\": 0.793}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"是\", \"start\": 71.835, \"end\": 72.075, \"score\": 0.998}, {\"word\": \"低\", \"start\": 72.075, \"end\": 72.235, \"score\": 0.955}, {\"word\": \"利\", \"start\": 72.235, \"end\": 72.335, \"score\": 0.879}, {\"word\": \"貸\"}, {\"word\": \"款\", \"start\": 72.335, \"end\": 72.355, \"score\": 0.0}]}, {\"start\": 73.516, \"end\": 98.907, \"text\": \"然後也講到說這個貸款的這個條件呢條件不拘誰來誰借然後這個保證過借這個超高額度然後呢這個而且還有這個最新型的這個手機APP的貸款按照手機的這個指示呢就可以申辦那甚至也不知道說這個實際上利率是多少所以呢讓你貸款的時候是非常方便但是呢這個是處處的都是陷阱\", \"words\": [{\"word\": \"然\", \"start\": 73.516, \"end\": 73.656, \"score\": 0.861}, {\"word\": \"後\", \"start\": 73.656, \"end\": 73.736, \"score\": 0.75}, {\"word\": \"也\", \"start\": 73.736, \"end\": 74.016, \"score\": 0.848}, {\"word\": \"講\"}, {\"word\": \"到\", \"start\": 74.016, \"end\": 75.477, \"score\": 0.91}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"貸\"}, {\"word\": \"款\", \"start\": 75.477, \"end\": 75.657, \"score\": 0.97}, {\"word\": \"的\", \"start\": 75.657, \"end\": 76.517, \"score\": 0.874}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"條\"}, {\"word\": \"件\", \"start\": 76.517, \"end\": 76.697, \"score\": 0.96}, {\"word\": \"呢\", \"start\": 76.697, \"end\": 77.438, \"score\": 0.94}, {\"word\": \"條\"}, {\"word\": \"件\", \"start\": 77.438, \"end\": 77.558, \"score\": 0.921}, {\"word\": \"不\", \"start\": 77.558, \"end\": 77.718, \"score\": 0.989}, {\"word\": \"拘\", \"start\": 77.718, \"end\": 79.058, \"score\": 0.942}, {\"word\": \"誰\"}, {\"word\": \"來\"}, {\"word\": \"誰\"}, {\"word\": \"借\", \"start\": 79.058, \"end\": 79.739, \"score\": 0.945}, {\"word\": \"然\", \"start\": 79.739, \"end\": 79.899, \"score\": 0.888}, {\"word\": \"後\", \"start\": 79.899, \"end\": 80.299, \"score\": 0.809}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"保\", \"start\": 80.299, \"end\": 80.879, \"score\": 0.927}, {\"word\": \"證\"}, {\"word\": \"過\"}, {\"word\": \"借\", \"start\": 80.879, \"end\": 81.779, \"score\": 0.931}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"超\", \"start\": 81.779, \"end\": 82.0, \"score\": 0.963}, {\"word\": \"高\", \"start\": 82.0, \"end\": 82.36, \"score\": 0.913}, {\"word\": \"額\"}, {\"word\": \"度\", \"start\": 82.36, \"end\": 83.28, \"score\": 0.974}, {\"word\": \"然\", \"start\": 83.28, \"end\": 83.4, \"score\": 0.832}, {\"word\": \"後\", \"start\": 83.4, \"end\": 83.52, \"score\": 0.816}, {\"word\": \"呢\", \"start\": 83.52, \"end\": 84.801, \"score\": 0.96}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"而\", \"start\": 84.801, \"end\": 84.921, \"score\": 0.839}, {\"word\": \"且\", \"start\": 84.921, \"end\": 85.161, \"score\": 0.888}, {\"word\": \"還\"}, {\"word\": \"有\", \"start\": 85.161, \"end\": 85.521, \"score\": 0.888}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"最\", \"start\": 85.521, \"end\": 85.701, \"score\": 0.943}, {\"word\": \"新\", \"start\": 85.701, \"end\": 86.021, \"score\": 0.956}, {\"word\": \"型\", \"start\": 86.021, \"end\": 86.181, \"score\": 0.923}, {\"word\": \"的\", \"start\": 86.181, \"end\": 86.541, \"score\": 0.88}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"手\", \"start\": 86.541, \"end\": 86.722, \"score\": 0.994}, {\"word\": \"機\"}, {\"word\": \"A\", \"start\": 86.722, \"end\": 87.062, \"score\": 0.939}, {\"word\": \"P\", \"start\": 87.062, \"end\": 87.242, \"score\": 0.88}, {\"word\": \"P\", \"start\": 87.242, \"end\": 87.342, \"score\": 0.797}, {\"word\": \"的\", \"start\": 87.342, \"end\": 87.702, \"score\": 0.895}, {\"word\": \"貸\"}, {\"word\": \"款\", \"start\": 87.702, \"end\": 88.382, \"score\": 0.968}, {\"word\": \"按\", \"start\": 88.382, \"end\": 88.542, \"score\": 0.991}, {\"word\": \"照\", \"start\": 88.542, \"end\": 88.802, \"score\": 0.996}, {\"word\": \"手\", \"start\": 88.802, \"end\": 89.183, \"score\": 0.932}, {\"word\": \"機\"}, {\"word\": \"的\", \"start\": 89.183, \"end\": 89.603, \"score\": 0.795}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"指\", \"start\": 89.603, \"end\": 89.763, \"score\": 0.92}, {\"word\": \"示\", \"start\": 89.763, \"end\": 89.903, \"score\": 0.945}, {\"word\": \"呢\", \"start\": 89.903, \"end\": 90.103, \"score\": 0.893}, {\"word\": \"就\", \"start\": 90.103, \"end\": 90.203, \"score\": 0.998}, {\"word\": \"可\", \"start\": 90.203, \"end\": 90.303, \"score\": 0.834}, {\"word\": \"以\", \"start\": 90.303, \"end\": 90.403, \"score\": 0.905}, {\"word\": \"申\", \"start\": 90.403, \"end\": 91.424, \"score\": 0.947}, {\"word\": \"辦\"}, {\"word\": \"那\", \"start\": 91.424, \"end\": 91.564, \"score\": 0.973}, {\"word\": \"甚\", \"start\": 91.564, \"end\": 91.704, \"score\": 0.948}, {\"word\": \"至\", \"start\": 91.704, \"end\": 91.804, \"score\": 0.865}, {\"word\": \"也\", \"start\": 91.804, \"end\": 91.904, \"score\": 0.999}, {\"word\": \"不\", \"start\": 91.904, \"end\": 91.984, \"score\": 0.999}, {\"word\": \"知\", \"start\": 91.984, \"end\": 92.084, \"score\": 0.998}, {\"word\": \"道\", \"start\": 92.084, \"end\": 93.104, \"score\": 0.867}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"實\"}, {\"word\": \"際\"}, {\"word\": \"上\", \"start\": 93.104, \"end\": 93.264, \"score\": 0.998}, {\"word\": \"利\", \"start\": 93.264, \"end\": 93.384, \"score\": 0.804}, {\"word\": \"率\", \"start\": 93.384, \"end\": 93.504, \"score\": 0.847}, {\"word\": \"是\", \"start\": 93.504, \"end\": 93.644, \"score\": 0.855}, {\"word\": \"多\", \"start\": 93.644, \"end\": 93.845, \"score\": 0.999}, {\"word\": \"少\", \"start\": 93.845, \"end\": 94.485, \"score\": 0.997}, {\"word\": \"所\", \"start\": 94.485, \"end\": 94.605, \"score\": 0.816}, {\"word\": \"以\", \"start\": 94.605, \"end\": 94.665, \"score\": 0.976}, {\"word\": \"呢\", \"start\": 94.665, \"end\": 94.965, \"score\": 0.869}, {\"word\": \"讓\"}, {\"word\": \"你\", \"start\": 94.965, \"end\": 95.305, \"score\": 0.894}, {\"word\": \"貸\"}, {\"word\": \"款\", \"start\": 95.305, \"end\": 95.525, \"score\": 0.994}, {\"word\": \"的\", \"start\": 95.525, \"end\": 95.625, \"score\": 0.8}, {\"word\": \"時\"}, {\"word\": \"候\", \"start\": 95.625, \"end\": 95.725, \"score\": 0.949}, {\"word\": \"是\", \"start\": 95.725, \"end\": 95.885, \"score\": 0.94}, {\"word\": \"非\", \"start\": 95.885, \"end\": 95.985, \"score\": 0.995}, {\"word\": \"常\", \"start\": 95.985, \"end\": 96.186, \"score\": 0.994}, {\"word\": \"方\", \"start\": 96.186, \"end\": 96.346, \"score\": 1.0}, {\"word\": \"便\", \"start\": 96.346, \"end\": 96.766, \"score\": 0.978}, {\"word\": \"但\", \"start\": 96.766, \"end\": 96.966, \"score\": 0.996}, {\"word\": \"是\", \"start\": 96.966, \"end\": 97.086, \"score\": 0.857}, {\"word\": \"呢\", \"start\": 97.086, \"end\": 97.526, \"score\": 0.834}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"是\", \"start\": 97.526, \"end\": 98.026, \"score\": 0.917}, {\"word\": \"處\"}, {\"word\": \"處\"}, {\"word\": \"的\", \"start\": 98.026, \"end\": 98.326, \"score\": 0.985}, {\"word\": \"都\", \"start\": 98.326, \"end\": 98.466, \"score\": 0.991}, {\"word\": \"是\", \"start\": 98.466, \"end\": 98.607, \"score\": 0.998}, {\"word\": \"陷\", \"start\": 98.607, \"end\": 98.887, \"score\": 0.939}, {\"word\": \"阱\", \"start\": 98.887, \"end\": 98.907, \"score\": 0.002}]}, {\"start\": 99.947, \"end\": 122.664, \"text\": \"所以也產生了很多弊端至少有第一個連針的死角第二個超高的利率違約金跟慈嚴的循環利息一起來算然後可貸的乘數也沒有限制甚至以數倍計然後萬物皆可貸所以造成這些弊端請問一下雖然說4月初開始\", \"words\": [{\"word\": \"所\", \"start\": 99.947, \"end\": 100.067, \"score\": 0.914}, {\"word\": \"以\", \"start\": 100.067, \"end\": 100.287, \"score\": 0.879}, {\"word\": \"也\", \"start\": 100.287, \"end\": 100.648, \"score\": 0.833}, {\"word\": \"產\"}, {\"word\": \"生\", \"start\": 100.648, \"end\": 100.768, \"score\": 0.989}, {\"word\": \"了\", \"start\": 100.768, \"end\": 100.828, \"score\": 0.666}, {\"word\": \"很\", \"start\": 100.828, \"end\": 100.988, \"score\": 0.892}, {\"word\": \"多\", \"start\": 100.988, \"end\": 101.168, \"score\": 0.996}, {\"word\": \"弊\", \"start\": 101.168, \"end\": 101.328, \"score\": 0.822}, {\"word\": \"端\", \"start\": 101.328, \"end\": 102.149, \"score\": 0.969}, {\"word\": \"至\", \"start\": 102.149, \"end\": 102.289, \"score\": 0.855}, {\"word\": \"少\", \"start\": 102.289, \"end\": 102.969, \"score\": 0.897}, {\"word\": \"有\", \"start\": 102.969, \"end\": 103.15, \"score\": 0.956}, {\"word\": \"第\", \"start\": 103.15, \"end\": 103.23, \"score\": 0.77}, {\"word\": \"一\", \"start\": 103.23, \"end\": 103.95, \"score\": 0.903}, {\"word\": \"個\"}, {\"word\": \"連\"}, {\"word\": \"針\"}, {\"word\": \"的\", \"start\": 103.95, \"end\": 104.07, \"score\": 0.996}, {\"word\": \"死\", \"start\": 104.07, \"end\": 104.27, \"score\": 0.897}, {\"word\": \"角\", \"start\": 104.27, \"end\": 104.851, \"score\": 0.95}, {\"word\": \"第\", \"start\": 104.851, \"end\": 104.951, \"score\": 0.791}, {\"word\": \"二\", \"start\": 104.951, \"end\": 105.972, \"score\": 0.938}, {\"word\": \"個\"}, {\"word\": \"超\", \"start\": 105.972, \"end\": 106.172, \"score\": 0.935}, {\"word\": \"高\", \"start\": 106.172, \"end\": 106.332, \"score\": 0.962}, {\"word\": \"的\", \"start\": 106.332, \"end\": 106.432, \"score\": 0.932}, {\"word\": \"利\", \"start\": 106.432, \"end\": 106.652, \"score\": 0.831}, {\"word\": \"率\", \"start\": 106.652, \"end\": 108.513, \"score\": 0.931}, {\"word\": \"違\"}, {\"word\": \"約\"}, {\"word\": \"金\", \"start\": 108.513, \"end\": 108.674, \"score\": 0.889}, {\"word\": \"跟\", \"start\": 108.674, \"end\": 109.354, \"score\": 0.947}, {\"word\": \"慈\", \"start\": 109.354, \"end\": 109.614, \"score\": 0.846}, {\"word\": \"嚴\"}, {\"word\": \"的\", \"start\": 109.614, \"end\": 110.215, \"score\": 0.933}, {\"word\": \"循\", \"start\": 110.215, \"end\": 110.475, \"score\": 0.911}, {\"word\": \"環\"}, {\"word\": \"利\", \"start\": 110.475, \"end\": 110.655, \"score\": 0.893}, {\"word\": \"息\", \"start\": 110.655, \"end\": 110.955, \"score\": 0.863}, {\"word\": \"一\", \"start\": 110.955, \"end\": 111.075, \"score\": 0.994}, {\"word\": \"起\", \"start\": 111.075, \"end\": 111.376, \"score\": 0.925}, {\"word\": \"來\"}, {\"word\": \"算\", \"start\": 111.376, \"end\": 112.136, \"score\": 0.981}, {\"word\": \"然\", \"start\": 112.136, \"end\": 113.037, \"score\": 0.886}, {\"word\": \"後\", \"start\": 113.037, \"end\": 113.577, \"score\": 0.924}, {\"word\": \"可\", \"start\": 113.577, \"end\": 113.897, \"score\": 0.901}, {\"word\": \"貸\"}, {\"word\": \"的\", \"start\": 113.897, \"end\": 114.037, \"score\": 0.955}, {\"word\": \"乘\", \"start\": 114.037, \"end\": 114.538, \"score\": 0.88}, {\"word\": \"數\"}, {\"word\": \"也\", \"start\": 114.538, \"end\": 114.678, \"score\": 0.869}, {\"word\": \"沒\", \"start\": 114.678, \"end\": 114.778, \"score\": 0.792}, {\"word\": \"有\", \"start\": 114.778, \"end\": 114.918, \"score\": 0.989}, {\"word\": \"限\", \"start\": 114.918, \"end\": 115.218, \"score\": 0.997}, {\"word\": \"制\", \"start\": 115.218, \"end\": 116.019, \"score\": 0.952}, {\"word\": \"甚\", \"start\": 116.019, \"end\": 116.179, \"score\": 0.974}, {\"word\": \"至\", \"start\": 116.179, \"end\": 116.279, \"score\": 0.919}, {\"word\": \"以\", \"start\": 116.279, \"end\": 116.619, \"score\": 0.917}, {\"word\": \"數\"}, {\"word\": \"倍\", \"start\": 116.619, \"end\": 117.44, \"score\": 0.941}, {\"word\": \"計\"}, {\"word\": \"然\", \"start\": 117.44, \"end\": 117.8, \"score\": 0.817}, {\"word\": \"後\", \"start\": 117.8, \"end\": 118.0, \"score\": 0.899}, {\"word\": \"萬\"}, {\"word\": \"物\", \"start\": 118.0, \"end\": 118.18, \"score\": 0.969}, {\"word\": \"皆\", \"start\": 118.18, \"end\": 118.361, \"score\": 0.887}, {\"word\": \"可\", \"start\": 118.361, \"end\": 119.521, \"score\": 0.868}, {\"word\": \"貸\"}, {\"word\": \"所\", \"start\": 119.521, \"end\": 119.601, \"score\": 0.75}, {\"word\": \"以\", \"start\": 119.601, \"end\": 119.842, \"score\": 0.83}, {\"word\": \"造\", \"start\": 119.842, \"end\": 119.982, \"score\": 0.981}, {\"word\": \"成\", \"start\": 119.982, \"end\": 120.402, \"score\": 0.905}, {\"word\": \"這\"}, {\"word\": \"些\", \"start\": 120.402, \"end\": 120.742, \"score\": 0.998}, {\"word\": \"弊\", \"start\": 120.742, \"end\": 120.902, \"score\": 0.869}, {\"word\": \"端\", \"start\": 120.902, \"end\": 121.903, \"score\": 0.924}, {\"word\": \"請\"}, {\"word\": \"問\"}, {\"word\": \"一\", \"start\": 121.903, \"end\": 122.023, \"score\": 0.998}, {\"word\": \"下\", \"start\": 122.023, \"end\": 122.564, \"score\": 0.963}, {\"word\": \"雖\"}, {\"word\": \"然\", \"start\": 122.564, \"end\": 122.584, \"score\": 0.003}, {\"word\": \"說\"}, {\"word\": \"4\"}, {\"word\": \"月\", \"start\": 122.584, \"end\": 122.624, \"score\": 0.5}, {\"word\": \"初\", \"start\": 122.624, \"end\": 122.644, \"score\": 0.0}, {\"word\": \"開\"}, {\"word\": \"始\", \"start\": 122.644, \"end\": 122.664, \"score\": 0.0}]}, {\"start\": 124.525, \"end\": 127.467, \"text\": \"委員這樣子您剛剛垂詢的有一些部分其實都已經納入了我是不是可以請局長給您比較完整的說明\", \"words\": [{\"word\": \"委\", \"start\": 124.525, \"end\": 124.605, \"score\": 0.75}, {\"word\": \"員\"}, {\"word\": \"這\"}, {\"word\": \"樣\"}, {\"word\": \"子\", \"start\": 124.605, \"end\": 124.765, \"score\": 0.874}, {\"word\": \"您\", \"start\": 124.765, \"end\": 124.925, \"score\": 0.874}, {\"word\": \"剛\"}, {\"word\": \"剛\"}, {\"word\": \"垂\", \"start\": 124.925, \"end\": 125.025, \"score\": 0.798}, {\"word\": \"詢\"}, {\"word\": \"的\", \"start\": 125.025, \"end\": 125.145, \"score\": 0.833}, {\"word\": \"有\", \"start\": 125.145, \"end\": 125.225, \"score\": 0.749}, {\"word\": \"一\", \"start\": 125.225, \"end\": 125.265, \"score\": 0.5}, {\"word\": \"些\", \"start\": 125.265, \"end\": 125.386, \"score\": 0.886}, {\"word\": \"部\", \"start\": 125.386, \"end\": 125.426, \"score\": 0.5}, {\"word\": \"分\", \"start\": 125.426, \"end\": 125.526, \"score\": 0.8}, {\"word\": \"其\", \"start\": 125.526, \"end\": 125.566, \"score\": 0.5}, {\"word\": \"實\"}, {\"word\": \"都\", \"start\": 125.566, \"end\": 125.806, \"score\": 0.917}, {\"word\": \"已\", \"start\": 125.806, \"end\": 125.926, \"score\": 0.833}, {\"word\": \"經\"}, {\"word\": \"納\"}, {\"word\": \"入\", \"start\": 125.926, \"end\": 125.986, \"score\": 0.667}, {\"word\": \"了\", \"start\": 125.986, \"end\": 126.006, \"score\": 0.0}, {\"word\": \"我\", \"start\": 126.006, \"end\": 126.046, \"score\": 0.499}, {\"word\": \"是\", \"start\": 126.046, \"end\": 126.126, \"score\": 0.75}, {\"word\": \"不\", \"start\": 126.126, \"end\": 126.166, \"score\": 0.499}, {\"word\": \"是\", \"start\": 126.166, \"end\": 126.306, \"score\": 0.857}, {\"word\": \"可\", \"start\": 126.306, \"end\": 126.526, \"score\": 0.909}, {\"word\": \"以\", \"start\": 126.526, \"end\": 126.666, \"score\": 0.857}, {\"word\": \"請\"}, {\"word\": \"局\", \"start\": 126.666, \"end\": 126.786, \"score\": 0.833}, {\"word\": \"長\"}, {\"word\": \"給\"}, {\"word\": \"您\", \"start\": 126.786, \"end\": 126.926, \"score\": 0.857}, {\"word\": \"比\", \"start\": 126.926, \"end\": 127.006, \"score\": 0.75}, {\"word\": \"較\"}, {\"word\": \"完\", \"start\": 127.006, \"end\": 127.227, \"score\": 0.901}, {\"word\": \"整\", \"start\": 127.227, \"end\": 127.387, \"score\": 0.873}, {\"word\": \"的\", \"start\": 127.387, \"end\": 127.447, \"score\": 0.666}, {\"word\": \"說\"}, {\"word\": \"明\", \"start\": 127.447, \"end\": 127.467, \"score\": 0.0}]}, {\"start\": 150.578, \"end\": 164.814, \"text\": \"報告委員針對剛剛委員所提的尤其是針對弊端二的這個部分超高利率違約金跟延遲利息的併給的部分我們這邊在那個主任公會的自律規範裡面已經說這兩個不能並行然後再來這個\", \"words\": [{\"word\": \"報\"}, {\"word\": \"告\", \"start\": 150.578, \"end\": 150.778, \"score\": 0.897}, {\"word\": \"委\", \"start\": 150.778, \"end\": 152.28, \"score\": 0.93}, {\"word\": \"員\"}, {\"word\": \"針\"}, {\"word\": \"對\"}, {\"word\": \"剛\"}, {\"word\": \"剛\"}, {\"word\": \"委\", \"start\": 152.28, \"end\": 152.58, \"score\": 0.901}, {\"word\": \"員\"}, {\"word\": \"所\", \"start\": 152.58, \"end\": 152.841, \"score\": 0.923}, {\"word\": \"提\", \"start\": 152.841, \"end\": 153.041, \"score\": 0.978}, {\"word\": \"的\", \"start\": 153.041, \"end\": 153.341, \"score\": 0.999}, {\"word\": \"尤\", \"start\": 153.341, \"end\": 153.521, \"score\": 0.937}, {\"word\": \"其\", \"start\": 153.521, \"end\": 154.042, \"score\": 0.996}, {\"word\": \"是\", \"start\": 154.042, \"end\": 154.442, \"score\": 0.899}, {\"word\": \"針\"}, {\"word\": \"對\"}, {\"word\": \"弊\", \"start\": 154.442, \"end\": 154.603, \"score\": 0.874}, {\"word\": \"端\", \"start\": 154.603, \"end\": 154.803, \"score\": 0.984}, {\"word\": \"二\", \"start\": 154.803, \"end\": 154.963, \"score\": 0.915}, {\"word\": \"的\", \"start\": 154.963, \"end\": 155.404, \"score\": 0.909}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"部\", \"start\": 155.404, \"end\": 155.604, \"score\": 1.0}, {\"word\": \"分\", \"start\": 155.604, \"end\": 155.804, \"score\": 0.977}, {\"word\": \"超\", \"start\": 155.804, \"end\": 155.964, \"score\": 0.905}, {\"word\": \"高\", \"start\": 155.964, \"end\": 156.104, \"score\": 0.858}, {\"word\": \"利\", \"start\": 156.104, \"end\": 156.265, \"score\": 0.919}, {\"word\": \"率\", \"start\": 156.265, \"end\": 157.045, \"score\": 0.929}, {\"word\": \"違\"}, {\"word\": \"約\"}, {\"word\": \"金\", \"start\": 157.045, \"end\": 157.226, \"score\": 0.912}, {\"word\": \"跟\", \"start\": 157.226, \"end\": 158.467, \"score\": 0.994}, {\"word\": \"延\", \"start\": 158.467, \"end\": 158.828, \"score\": 0.895}, {\"word\": \"遲\"}, {\"word\": \"利\", \"start\": 158.828, \"end\": 159.068, \"score\": 0.967}, {\"word\": \"息\", \"start\": 159.068, \"end\": 159.208, \"score\": 0.854}, {\"word\": \"的\", \"start\": 159.208, \"end\": 159.769, \"score\": 0.927}, {\"word\": \"併\"}, {\"word\": \"給\"}, {\"word\": \"的\", \"start\": 159.769, \"end\": 159.909, \"score\": 0.998}, {\"word\": \"部\", \"start\": 159.909, \"end\": 160.089, \"score\": 1.0}, {\"word\": \"分\", \"start\": 160.089, \"end\": 160.249, \"score\": 0.982}, {\"word\": \"我\", \"start\": 160.249, \"end\": 161.19, \"score\": 0.915}, {\"word\": \"們\"}, {\"word\": \"這\"}, {\"word\": \"邊\"}, {\"word\": \"在\", \"start\": 161.19, \"end\": 161.471, \"score\": 0.992}, {\"word\": \"那\", \"start\": 161.471, \"end\": 162.572, \"score\": 0.981}, {\"word\": \"個\"}, {\"word\": \"主\", \"start\": 162.572, \"end\": 162.692, \"score\": 0.834}, {\"word\": \"任\", \"start\": 162.692, \"end\": 162.832, \"score\": 0.884}, {\"word\": \"公\", \"start\": 162.832, \"end\": 163.152, \"score\": 0.929}, {\"word\": \"會\"}, {\"word\": \"的\", \"start\": 163.152, \"end\": 163.353, \"score\": 0.993}, {\"word\": \"自\", \"start\": 163.353, \"end\": 163.453, \"score\": 0.995}, {\"word\": \"律\", \"start\": 163.453, \"end\": 164.053, \"score\": 0.861}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"裡\"}, {\"word\": \"面\", \"start\": 164.053, \"end\": 164.274, \"score\": 0.999}, {\"word\": \"已\", \"start\": 164.274, \"end\": 164.354, \"score\": 1.0}, {\"word\": \"經\"}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"兩\"}, {\"word\": \"個\"}, {\"word\": \"不\", \"start\": 164.354, \"end\": 164.454, \"score\": 0.8}, {\"word\": \"能\", \"start\": 164.454, \"end\": 164.474, \"score\": 0.0}, {\"word\": \"並\"}, {\"word\": \"行\", \"start\": 164.474, \"end\": 164.494, \"score\": 0.0}, {\"word\": \"然\", \"start\": 164.494, \"end\": 164.534, \"score\": 0.5}, {\"word\": \"後\", \"start\": 164.534, \"end\": 164.794, \"score\": 0.923}, {\"word\": \"再\", \"start\": 164.794, \"end\": 164.814, \"score\": 0.0}, {\"word\": \"來\"}, {\"word\": \"這\"}, {\"word\": \"個\"}]}, {\"start\": 168.258, \"end\": 185.103, \"text\": \"陳述無限制甚至已被記這個部分這涉及到廣告不實會有誤導所以這個部分的話在自律規範裡面也要求主任公司對於他這個行銷單位因為有些行銷的廣告其實是他的代辦公司或者是他業務合作那這誰來管這廣告誰來管\", \"words\": [{\"word\": \"陳\"}, {\"word\": \"述\", \"start\": 168.258, \"end\": 168.418, \"score\": 0.91}, {\"word\": \"無\", \"start\": 168.418, \"end\": 168.598, \"score\": 0.885}, {\"word\": \"限\", \"start\": 168.598, \"end\": 168.838, \"score\": 0.974}, {\"word\": \"制\", \"start\": 168.838, \"end\": 168.998, \"score\": 0.917}, {\"word\": \"甚\", \"start\": 168.998, \"end\": 169.198, \"score\": 0.991}, {\"word\": \"至\", \"start\": 169.198, \"end\": 169.318, \"score\": 0.722}, {\"word\": \"已\", \"start\": 169.318, \"end\": 169.458, \"score\": 0.978}, {\"word\": \"被\", \"start\": 169.458, \"end\": 170.119, \"score\": 0.89}, {\"word\": \"記\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"部\", \"start\": 170.119, \"end\": 170.319, \"score\": 0.999}, {\"word\": \"分\", \"start\": 170.319, \"end\": 170.999, \"score\": 0.959}, {\"word\": \"這\"}, {\"word\": \"涉\", \"start\": 170.999, \"end\": 171.199, \"score\": 0.924}, {\"word\": \"及\", \"start\": 171.199, \"end\": 171.359, \"score\": 0.846}, {\"word\": \"到\", \"start\": 171.359, \"end\": 171.759, \"score\": 0.946}, {\"word\": \"廣\"}, {\"word\": \"告\", \"start\": 171.759, \"end\": 171.959, \"score\": 0.973}, {\"word\": \"不\", \"start\": 171.959, \"end\": 172.839, \"score\": 0.936}, {\"word\": \"實\"}, {\"word\": \"會\"}, {\"word\": \"有\", \"start\": 172.839, \"end\": 173.9, \"score\": 0.888}, {\"word\": \"誤\"}, {\"word\": \"導\"}, {\"word\": \"所\", \"start\": 173.9, \"end\": 174.12, \"score\": 0.909}, {\"word\": \"以\", \"start\": 174.12, \"end\": 174.34, \"score\": 0.798}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"部\", \"start\": 174.34, \"end\": 174.5, \"score\": 0.999}, {\"word\": \"分\", \"start\": 174.5, \"end\": 174.7, \"score\": 0.957}, {\"word\": \"的\", \"start\": 174.7, \"end\": 175.26, \"score\": 0.963}, {\"word\": \"話\"}, {\"word\": \"在\", \"start\": 175.26, \"end\": 175.46, \"score\": 0.988}, {\"word\": \"自\", \"start\": 175.46, \"end\": 175.56, \"score\": 0.811}, {\"word\": \"律\", \"start\": 175.56, \"end\": 176.14, \"score\": 0.873}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"裡\"}, {\"word\": \"面\", \"start\": 176.14, \"end\": 176.38, \"score\": 0.897}, {\"word\": \"也\", \"start\": 176.38, \"end\": 176.56, \"score\": 0.986}, {\"word\": \"要\", \"start\": 176.56, \"end\": 176.94, \"score\": 0.951}, {\"word\": \"求\", \"start\": 176.94, \"end\": 177.521, \"score\": 0.99}, {\"word\": \"主\", \"start\": 177.521, \"end\": 177.641, \"score\": 0.831}, {\"word\": \"任\", \"start\": 177.641, \"end\": 177.801, \"score\": 0.895}, {\"word\": \"公\", \"start\": 177.801, \"end\": 178.061, \"score\": 1.0}, {\"word\": \"司\", \"start\": 178.061, \"end\": 178.761, \"score\": 0.957}, {\"word\": \"對\"}, {\"word\": \"於\", \"start\": 178.761, \"end\": 178.921, \"score\": 0.86}, {\"word\": \"他\", \"start\": 178.921, \"end\": 179.361, \"score\": 0.898}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"行\", \"start\": 179.361, \"end\": 179.921, \"score\": 0.89}, {\"word\": \"銷\"}, {\"word\": \"單\"}, {\"word\": \"位\", \"start\": 179.921, \"end\": 180.101, \"score\": 0.981}, {\"word\": \"因\", \"start\": 180.101, \"end\": 180.361, \"score\": 0.921}, {\"word\": \"為\"}, {\"word\": \"有\", \"start\": 180.361, \"end\": 180.621, \"score\": 0.989}, {\"word\": \"些\", \"start\": 180.621, \"end\": 180.901, \"score\": 0.999}, {\"word\": \"行\", \"start\": 180.901, \"end\": 181.262, \"score\": 0.875}, {\"word\": \"銷\"}, {\"word\": \"的\", \"start\": 181.262, \"end\": 181.642, \"score\": 0.938}, {\"word\": \"廣\"}, {\"word\": \"告\", \"start\": 181.642, \"end\": 181.882, \"score\": 0.98}, {\"word\": \"其\", \"start\": 181.882, \"end\": 182.282, \"score\": 0.903}, {\"word\": \"實\"}, {\"word\": \"是\", \"start\": 182.282, \"end\": 182.662, \"score\": 0.947}, {\"word\": \"他\", \"start\": 182.662, \"end\": 182.822, \"score\": 0.969}, {\"word\": \"的\", \"start\": 182.822, \"end\": 182.962, \"score\": 0.997}, {\"word\": \"代\", \"start\": 182.962, \"end\": 183.322, \"score\": 0.895}, {\"word\": \"辦\"}, {\"word\": \"公\", \"start\": 183.322, \"end\": 183.582, \"score\": 1.0}, {\"word\": \"司\", \"start\": 183.582, \"end\": 183.822, \"score\": 0.997}, {\"word\": \"或\", \"start\": 183.822, \"end\": 183.962, \"score\": 0.83}, {\"word\": \"者\", \"start\": 183.962, \"end\": 184.142, \"score\": 0.888}, {\"word\": \"是\", \"start\": 184.142, \"end\": 184.262, \"score\": 0.933}, {\"word\": \"他\", \"start\": 184.262, \"end\": 184.442, \"score\": 0.982}, {\"word\": \"業\"}, {\"word\": \"務\"}, {\"word\": \"合\", \"start\": 184.442, \"end\": 184.602, \"score\": 0.875}, {\"word\": \"作\", \"start\": 184.602, \"end\": 184.822, \"score\": 0.812}, {\"word\": \"那\", \"start\": 184.822, \"end\": 184.902, \"score\": 0.766}, {\"word\": \"這\"}, {\"word\": \"誰\"}, {\"word\": \"來\"}, {\"word\": \"管\", \"start\": 184.902, \"end\": 184.943, \"score\": 0.499}, {\"word\": \"這\"}, {\"word\": \"廣\"}, {\"word\": \"告\", \"start\": 184.943, \"end\": 185.083, \"score\": 0.856}, {\"word\": \"誰\"}, {\"word\": \"來\"}, {\"word\": \"管\", \"start\": 185.083, \"end\": 185.103, \"score\": 0.0}]}, {\"start\": 186.823, \"end\": 186.843, \"text\": \"這有罰則嗎?\", \"words\": [{\"word\": \"這\"}, {\"word\": \"有\", \"start\": 186.823, \"end\": 186.843, \"score\": 0.0}, {\"word\": \"罰\"}, {\"word\": \"則\"}, {\"word\": \"嗎\"}, {\"word\": \"?\"}]}, {\"start\": 204.337, \"end\": 219.764, \"text\": \"自律規範這邊的罰則就是他們公會裡面他們對會員如果違反自律規範會有什麼樣的罰則所以這邊到底用什麼樣的處罰方式看起來沒有處罰啦我大概有看了一下他們的這個自律的規範沒有處罰第一個沒有處罰第二個\", \"words\": [{\"word\": \"自\", \"start\": 204.337, \"end\": 204.457, \"score\": 0.823}, {\"word\": \"律\", \"start\": 204.457, \"end\": 205.278, \"score\": 0.873}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"這\"}, {\"word\": \"邊\"}, {\"word\": \"的\", \"start\": 205.278, \"end\": 206.038, \"score\": 0.946}, {\"word\": \"罰\"}, {\"word\": \"則\"}, {\"word\": \"就\", \"start\": 206.038, \"end\": 206.198, \"score\": 0.995}, {\"word\": \"是\", \"start\": 206.198, \"end\": 206.378, \"score\": 0.992}, {\"word\": \"他\", \"start\": 206.378, \"end\": 206.918, \"score\": 0.953}, {\"word\": \"們\"}, {\"word\": \"公\", \"start\": 206.918, \"end\": 207.499, \"score\": 0.888}, {\"word\": \"會\"}, {\"word\": \"裡\"}, {\"word\": \"面\", \"start\": 207.499, \"end\": 207.859, \"score\": 0.996}, {\"word\": \"他\", \"start\": 207.859, \"end\": 209.039, \"score\": 0.92}, {\"word\": \"們\"}, {\"word\": \"對\"}, {\"word\": \"會\"}, {\"word\": \"員\"}, {\"word\": \"如\", \"start\": 209.039, \"end\": 209.199, \"score\": 0.981}, {\"word\": \"果\", \"start\": 209.199, \"end\": 209.56, \"score\": 0.92}, {\"word\": \"違\"}, {\"word\": \"反\", \"start\": 209.56, \"end\": 209.8, \"score\": 0.981}, {\"word\": \"自\", \"start\": 209.8, \"end\": 210.06, \"score\": 0.815}, {\"word\": \"律\", \"start\": 210.06, \"end\": 210.78, \"score\": 0.89}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"會\"}, {\"word\": \"有\", \"start\": 210.78, \"end\": 210.98, \"score\": 0.916}, {\"word\": \"什\", \"start\": 210.98, \"end\": 211.44, \"score\": 0.902}, {\"word\": \"麼\"}, {\"word\": \"樣\"}, {\"word\": \"的\", \"start\": 211.44, \"end\": 212.501, \"score\": 0.906}, {\"word\": \"罰\"}, {\"word\": \"則\"}, {\"word\": \"所\", \"start\": 212.501, \"end\": 212.601, \"score\": 0.799}, {\"word\": \"以\", \"start\": 212.601, \"end\": 213.641, \"score\": 0.926}, {\"word\": \"這\"}, {\"word\": \"邊\"}, {\"word\": \"到\", \"start\": 213.641, \"end\": 213.801, \"score\": 0.893}, {\"word\": \"底\", \"start\": 213.801, \"end\": 213.961, \"score\": 0.957}, {\"word\": \"用\", \"start\": 213.961, \"end\": 214.202, \"score\": 0.998}, {\"word\": \"什\", \"start\": 214.202, \"end\": 214.562, \"score\": 0.735}, {\"word\": \"麼\"}, {\"word\": \"樣\"}, {\"word\": \"的\", \"start\": 214.562, \"end\": 215.202, \"score\": 0.908}, {\"word\": \"處\"}, {\"word\": \"罰\"}, {\"word\": \"方\", \"start\": 215.202, \"end\": 215.462, \"score\": 0.817}, {\"word\": \"式\", \"start\": 215.462, \"end\": 216.002, \"score\": 0.897}, {\"word\": \"看\", \"start\": 216.002, \"end\": 216.142, \"score\": 0.667}, {\"word\": \"起\", \"start\": 216.142, \"end\": 216.302, \"score\": 0.859}, {\"word\": \"來\"}, {\"word\": \"沒\", \"start\": 216.302, \"end\": 216.403, \"score\": 0.797}, {\"word\": \"有\", \"start\": 216.403, \"end\": 216.843, \"score\": 0.839}, {\"word\": \"處\"}, {\"word\": \"罰\"}, {\"word\": \"啦\", \"start\": 216.843, \"end\": 217.243, \"score\": 0.849}, {\"word\": \"我\", \"start\": 217.243, \"end\": 217.423, \"score\": 0.982}, {\"word\": \"大\", \"start\": 217.423, \"end\": 217.543, \"score\": 0.911}, {\"word\": \"概\", \"start\": 217.543, \"end\": 217.643, \"score\": 0.945}, {\"word\": \"有\", \"start\": 217.643, \"end\": 217.743, \"score\": 0.793}, {\"word\": \"看\", \"start\": 217.743, \"end\": 217.883, \"score\": 0.913}, {\"word\": \"了\", \"start\": 217.883, \"end\": 217.983, \"score\": 0.828}, {\"word\": \"一\", \"start\": 217.983, \"end\": 218.063, \"score\": 0.979}, {\"word\": \"下\", \"start\": 218.063, \"end\": 218.223, \"score\": 0.981}, {\"word\": \"他\", \"start\": 218.223, \"end\": 218.443, \"score\": 0.817}, {\"word\": \"們\"}, {\"word\": \"的\", \"start\": 218.443, \"end\": 218.984, \"score\": 0.905}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"自\", \"start\": 218.984, \"end\": 219.084, \"score\": 0.828}, {\"word\": \"律\", \"start\": 219.084, \"end\": 219.204, \"score\": 0.86}, {\"word\": \"的\", \"start\": 219.204, \"end\": 219.324, \"score\": 0.964}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"沒\", \"start\": 219.324, \"end\": 219.404, \"score\": 0.75}, {\"word\": \"有\", \"start\": 219.404, \"end\": 219.464, \"score\": 0.666}, {\"word\": \"處\"}, {\"word\": \"罰\"}, {\"word\": \"第\", \"start\": 219.464, \"end\": 219.564, \"score\": 0.799}, {\"word\": \"一\", \"start\": 219.564, \"end\": 219.584, \"score\": 0.0}, {\"word\": \"個\"}, {\"word\": \"沒\", \"start\": 219.584, \"end\": 219.704, \"score\": 0.832}, {\"word\": \"有\", \"start\": 219.704, \"end\": 219.724, \"score\": 0.941}, {\"word\": \"處\"}, {\"word\": \"罰\"}, {\"word\": \"第\", \"start\": 219.724, \"end\": 219.744, \"score\": 0.0}, {\"word\": \"二\", \"start\": 219.744, \"end\": 219.764, \"score\": 0.0}, {\"word\": \"個\"}]}, {\"start\": 222.305, \"end\": 233.819, \"text\": \"這有溯及繼往嗎?還是從4月初開始之後,他們自律規範定了之後才開始?那過去呢?過去也有這些超高利率啊,還有葛泰城市無限制啊,那過去的呢?過去的有辦法處理嗎?\", \"words\": [{\"word\": \"這\"}, {\"word\": \"有\", \"start\": 222.305, \"end\": 222.465, \"score\": 1.0}, {\"word\": \"溯\", \"start\": 222.465, \"end\": 222.626, \"score\": 0.875}, {\"word\": \"及\", \"start\": 222.626, \"end\": 222.926, \"score\": 0.872}, {\"word\": \"繼\"}, {\"word\": \"往\", \"start\": 222.926, \"end\": 223.887, \"score\": 0.903}, {\"word\": \"嗎\"}, {\"word\": \"?\"}, {\"word\": \"還\"}, {\"word\": \"是\", \"start\": 223.887, \"end\": 224.027, \"score\": 0.872}, {\"word\": \"從\"}, {\"word\": \"4\"}, {\"word\": \"月\", \"start\": 224.027, \"end\": 224.868, \"score\": 0.944}, {\"word\": \"初\", \"start\": 224.868, \"end\": 225.169, \"score\": 0.866}, {\"word\": \"開\"}, {\"word\": \"始\", \"start\": 225.169, \"end\": 225.309, \"score\": 0.998}, {\"word\": \"之\", \"start\": 225.309, \"end\": 225.429, \"score\": 0.997}, {\"word\": \"後\", \"start\": 225.429, \"end\": 225.569, \"score\": 0.856}, {\"word\": \",\"}, {\"word\": \"他\", \"start\": 225.569, \"end\": 225.829, \"score\": 0.84}, {\"word\": \"們\"}, {\"word\": \"自\", \"start\": 225.829, \"end\": 225.929, \"score\": 0.824}, {\"word\": \"律\", \"start\": 225.929, \"end\": 226.61, \"score\": 0.917}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"定\", \"start\": 226.61, \"end\": 226.73, \"score\": 0.9}, {\"word\": \"了\", \"start\": 226.73, \"end\": 226.851, \"score\": 0.833}, {\"word\": \"之\", \"start\": 226.851, \"end\": 226.991, \"score\": 0.997}, {\"word\": \"後\", \"start\": 226.991, \"end\": 227.351, \"score\": 0.944}, {\"word\": \"才\", \"start\": 227.351, \"end\": 227.631, \"score\": 0.924}, {\"word\": \"開\"}, {\"word\": \"始\", \"start\": 227.631, \"end\": 227.792, \"score\": 0.999}, {\"word\": \"?\"}, {\"word\": \"那\", \"start\": 227.792, \"end\": 228.152, \"score\": 0.943}, {\"word\": \"過\"}, {\"word\": \"去\", \"start\": 228.152, \"end\": 228.312, \"score\": 0.996}, {\"word\": \"呢\", \"start\": 228.312, \"end\": 229.193, \"score\": 0.955}, {\"word\": \"?\"}, {\"word\": \"過\"}, {\"word\": \"去\", \"start\": 229.193, \"end\": 229.313, \"score\": 0.999}, {\"word\": \"也\", \"start\": 229.313, \"end\": 229.414, \"score\": 0.921}, {\"word\": \"有\", \"start\": 229.414, \"end\": 229.714, \"score\": 0.933}, {\"word\": \"這\"}, {\"word\": \"些\", \"start\": 229.714, \"end\": 230.495, \"score\": 0.948}, {\"word\": \"超\", \"start\": 230.495, \"end\": 230.635, \"score\": 0.988}, {\"word\": \"高\", \"start\": 230.635, \"end\": 230.775, \"score\": 0.987}, {\"word\": \"利\", \"start\": 230.775, \"end\": 230.915, \"score\": 0.858}, {\"word\": \"率\", \"start\": 230.915, \"end\": 231.136, \"score\": 0.962}, {\"word\": \"啊\", \"start\": 231.136, \"end\": 231.516, \"score\": 0.959}, {\"word\": \",\"}, {\"word\": \"還\"}, {\"word\": \"有\", \"start\": 231.516, \"end\": 231.676, \"score\": 0.873}, {\"word\": \"葛\", \"start\": 231.676, \"end\": 231.796, \"score\": 0.842}, {\"word\": \"泰\", \"start\": 231.796, \"end\": 231.957, \"score\": 0.879}, {\"word\": \"城\", \"start\": 231.957, \"end\": 232.097, \"score\": 0.857}, {\"word\": \"市\", \"start\": 232.097, \"end\": 232.217, \"score\": 0.833}, {\"word\": \"無\", \"start\": 232.217, \"end\": 232.337, \"score\": 0.832}, {\"word\": \"限\", \"start\": 232.337, \"end\": 232.537, \"score\": 0.997}, {\"word\": \"制\", \"start\": 232.537, \"end\": 232.657, \"score\": 0.972}, {\"word\": \"啊\", \"start\": 232.657, \"end\": 232.998, \"score\": 0.964}, {\"word\": \",\"}, {\"word\": \"那\", \"start\": 232.998, \"end\": 233.078, \"score\": 0.999}, {\"word\": \"過\"}, {\"word\": \"去\", \"start\": 233.078, \"end\": 233.098, \"score\": 0.0}, {\"word\": \"的\", \"start\": 233.098, \"end\": 233.158, \"score\": 0.667}, {\"word\": \"呢\", \"start\": 233.158, \"end\": 233.358, \"score\": 0.897}, {\"word\": \"?\"}, {\"word\": \"過\"}, {\"word\": \"去\", \"start\": 233.358, \"end\": 233.478, \"score\": 0.973}, {\"word\": \"的\", \"start\": 233.478, \"end\": 233.578, \"score\": 0.963}, {\"word\": \"有\", \"start\": 233.578, \"end\": 233.618, \"score\": 0.5}, {\"word\": \"辦\"}, {\"word\": \"法\", \"start\": 233.618, \"end\": 233.799, \"score\": 0.889}, {\"word\": \"處\"}, {\"word\": \"理\", \"start\": 233.799, \"end\": 233.819, \"score\": 0.0}, {\"word\": \"嗎\"}, {\"word\": \"?\"}]}, {\"start\": 237.961, \"end\": 238.261, \"text\": \"有講跟沒講一樣你們要去審視阿\", \"words\": [{\"word\": \"有\", \"start\": 237.961, \"end\": 237.981, \"score\": 0.0}, {\"word\": \"講\"}, {\"word\": \"跟\", \"start\": 237.981, \"end\": 238.021, \"score\": 0.5}, {\"word\": \"沒\", \"start\": 238.021, \"end\": 238.081, \"score\": 0.667}, {\"word\": \"講\"}, {\"word\": \"一\", \"start\": 238.081, \"end\": 238.101, \"score\": 0.0}, {\"word\": \"樣\"}, {\"word\": \"你\", \"start\": 238.101, \"end\": 238.141, \"score\": 0.497}, {\"word\": \"們\"}, {\"word\": \"要\", \"start\": 238.141, \"end\": 238.221, \"score\": 0.748}, {\"word\": \"去\", \"start\": 238.221, \"end\": 238.241, \"score\": 0.0}, {\"word\": \"審\"}, {\"word\": \"視\"}, {\"word\": \"阿\", \"start\": 238.241, \"end\": 238.261, \"score\": 0.0}]}, {\"start\": 266.379, \"end\": 288.146, \"text\": \"這過去的這個規定如果都已經違法違法相關的規定那怎麼可以說一刀切4月4號之後的就按照這個自律規範4月3號之前的呢那我們還是按照舊的它違法就違法啦這個你們要去審視你們要請這個諸董公司要去審視過去的契約如果有違法這個相關的規定的話那這個契約就應該是作廢了吧沒有效了吧\", \"words\": [{\"word\": \"這\"}, {\"word\": \"過\"}, {\"word\": \"去\", \"start\": 266.379, \"end\": 266.519, \"score\": 0.993}, {\"word\": \"的\", \"start\": 266.519, \"end\": 267.059, \"score\": 0.887}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"規\"}, {\"word\": \"定\", \"start\": 267.059, \"end\": 267.179, \"score\": 0.998}, {\"word\": \"如\", \"start\": 267.179, \"end\": 267.319, \"score\": 0.861}, {\"word\": \"果\", \"start\": 267.319, \"end\": 267.399, \"score\": 0.746}, {\"word\": \"都\", \"start\": 267.399, \"end\": 267.72, \"score\": 0.872}, {\"word\": \"已\", \"start\": 267.72, \"end\": 267.88, \"score\": 0.875}, {\"word\": \"經\"}, {\"word\": \"違\"}, {\"word\": \"法\", \"start\": 267.88, \"end\": 268.42, \"score\": 0.962}, {\"word\": \"違\"}, {\"word\": \"法\", \"start\": 268.42, \"end\": 268.56, \"score\": 0.999}, {\"word\": \"相\", \"start\": 268.56, \"end\": 268.84, \"score\": 0.912}, {\"word\": \"關\"}, {\"word\": \"的\", \"start\": 268.84, \"end\": 269.12, \"score\": 0.862}, {\"word\": \"規\"}, {\"word\": \"定\", \"start\": 269.12, \"end\": 269.38, \"score\": 0.997}, {\"word\": \"那\", \"start\": 269.38, \"end\": 269.54, \"score\": 0.998}, {\"word\": \"怎\", \"start\": 269.54, \"end\": 269.7, \"score\": 0.875}, {\"word\": \"麼\"}, {\"word\": \"可\", \"start\": 269.7, \"end\": 269.78, \"score\": 0.97}, {\"word\": \"以\", \"start\": 269.78, \"end\": 270.02, \"score\": 0.88}, {\"word\": \"說\"}, {\"word\": \"一\", \"start\": 270.02, \"end\": 270.12, \"score\": 0.877}, {\"word\": \"刀\", \"start\": 270.12, \"end\": 270.32, \"score\": 0.91}, {\"word\": \"切\", \"start\": 270.32, \"end\": 270.881, \"score\": 0.92}, {\"word\": \"4\"}, {\"word\": \"月\", \"start\": 270.881, \"end\": 271.321, \"score\": 0.889}, {\"word\": \"4\"}, {\"word\": \"號\"}, {\"word\": \"之\", \"start\": 271.321, \"end\": 271.461, \"score\": 0.988}, {\"word\": \"後\", \"start\": 271.461, \"end\": 271.621, \"score\": 0.873}, {\"word\": \"的\", \"start\": 271.621, \"end\": 272.081, \"score\": 0.956}, {\"word\": \"就\", \"start\": 272.081, \"end\": 272.201, \"score\": 0.999}, {\"word\": \"按\", \"start\": 272.201, \"end\": 272.341, \"score\": 0.987}, {\"word\": \"照\", \"start\": 272.341, \"end\": 272.741, \"score\": 0.892}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"自\", \"start\": 272.741, \"end\": 272.821, \"score\": 0.866}, {\"word\": \"律\", \"start\": 272.821, \"end\": 273.661, \"score\": 0.91}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"4\"}, {\"word\": \"月\", \"start\": 273.661, \"end\": 274.122, \"score\": 0.884}, {\"word\": \"3\"}, {\"word\": \"號\"}, {\"word\": \"之\", \"start\": 274.122, \"end\": 274.262, \"score\": 0.997}, {\"word\": \"前\", \"start\": 274.262, \"end\": 274.422, \"score\": 0.995}, {\"word\": \"的\", \"start\": 274.422, \"end\": 274.542, \"score\": 0.841}, {\"word\": \"呢\", \"start\": 274.542, \"end\": 274.762, \"score\": 0.993}, {\"word\": \"那\", \"start\": 274.762, \"end\": 274.902, \"score\": 0.992}, {\"word\": \"我\", \"start\": 274.902, \"end\": 275.162, \"score\": 0.881}, {\"word\": \"們\"}, {\"word\": \"還\"}, {\"word\": \"是\", \"start\": 275.162, \"end\": 275.262, \"score\": 0.794}, {\"word\": \"按\", \"start\": 275.262, \"end\": 275.342, \"score\": 0.743}, {\"word\": \"照\", \"start\": 275.342, \"end\": 275.682, \"score\": 0.915}, {\"word\": \"舊\"}, {\"word\": \"的\", \"start\": 275.682, \"end\": 276.002, \"score\": 1.0}, {\"word\": \"它\", \"start\": 276.002, \"end\": 276.322, \"score\": 0.875}, {\"word\": \"違\"}, {\"word\": \"法\", \"start\": 276.322, \"end\": 276.442, \"score\": 0.984}, {\"word\": \"就\", \"start\": 276.442, \"end\": 276.742, \"score\": 0.93}, {\"word\": \"違\"}, {\"word\": \"法\", \"start\": 276.742, \"end\": 276.902, \"score\": 0.997}, {\"word\": \"啦\", \"start\": 276.902, \"end\": 278.943, \"score\": 0.806}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"你\", \"start\": 278.943, \"end\": 279.103, \"score\": 0.794}, {\"word\": \"們\"}, {\"word\": \"要\", \"start\": 279.103, \"end\": 279.183, \"score\": 0.897}, {\"word\": \"去\", \"start\": 279.183, \"end\": 279.683, \"score\": 0.91}, {\"word\": \"審\"}, {\"word\": \"視\"}, {\"word\": \"你\", \"start\": 279.683, \"end\": 279.763, \"score\": 0.981}, {\"word\": \"們\"}, {\"word\": \"要\", \"start\": 279.763, \"end\": 280.383, \"score\": 0.856}, {\"word\": \"請\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"諸\"}, {\"word\": \"董\", \"start\": 280.383, \"end\": 280.644, \"score\": 0.846}, {\"word\": \"公\", \"start\": 280.644, \"end\": 280.804, \"score\": 0.988}, {\"word\": \"司\", \"start\": 280.804, \"end\": 280.944, \"score\": 0.999}, {\"word\": \"要\", \"start\": 280.944, \"end\": 281.104, \"score\": 0.846}, {\"word\": \"去\", \"start\": 281.104, \"end\": 281.784, \"score\": 0.844}, {\"word\": \"審\"}, {\"word\": \"視\"}, {\"word\": \"過\"}, {\"word\": \"去\", \"start\": 281.784, \"end\": 281.904, \"score\": 0.997}, {\"word\": \"的\", \"start\": 281.904, \"end\": 282.004, \"score\": 0.994}, {\"word\": \"契\", \"start\": 282.004, \"end\": 282.584, \"score\": 0.958}, {\"word\": \"約\"}, {\"word\": \"如\", \"start\": 282.584, \"end\": 282.704, \"score\": 0.954}, {\"word\": \"果\", \"start\": 282.704, \"end\": 282.824, \"score\": 0.995}, {\"word\": \"有\", \"start\": 282.824, \"end\": 283.144, \"score\": 0.881}, {\"word\": \"違\"}, {\"word\": \"法\", \"start\": 283.144, \"end\": 283.925, \"score\": 0.948}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"相\", \"start\": 283.925, \"end\": 284.285, \"score\": 0.944}, {\"word\": \"關\"}, {\"word\": \"的\", \"start\": 284.285, \"end\": 284.585, \"score\": 0.928}, {\"word\": \"規\"}, {\"word\": \"定\", \"start\": 284.585, \"end\": 284.725, \"score\": 0.981}, {\"word\": \"的\", \"start\": 284.725, \"end\": 285.405, \"score\": 0.926}, {\"word\": \"話\"}, {\"word\": \"那\", \"start\": 285.405, \"end\": 285.765, \"score\": 0.888}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"契\", \"start\": 285.765, \"end\": 286.405, \"score\": 0.938}, {\"word\": \"約\"}, {\"word\": \"就\", \"start\": 286.405, \"end\": 286.645, \"score\": 0.996}, {\"word\": \"應\"}, {\"word\": \"該\"}, {\"word\": \"是\", \"start\": 286.645, \"end\": 287.025, \"score\": 0.894}, {\"word\": \"作\", \"start\": 287.025, \"end\": 287.366, \"score\": 0.889}, {\"word\": \"廢\"}, {\"word\": \"了\", \"start\": 287.366, \"end\": 287.466, \"score\": 0.987}, {\"word\": \"吧\", \"start\": 287.466, \"end\": 287.626, \"score\": 0.989}, {\"word\": \"沒\", \"start\": 287.626, \"end\": 287.726, \"score\": 0.796}, {\"word\": \"有\", \"start\": 287.726, \"end\": 287.826, \"score\": 0.999}, {\"word\": \"效\", \"start\": 287.826, \"end\": 288.026, \"score\": 0.83}, {\"word\": \"了\", \"start\": 288.026, \"end\": 288.126, \"score\": 0.797}, {\"word\": \"吧\", \"start\": 288.126, \"end\": 288.146, \"score\": 0.915}]}, {\"start\": 289.935, \"end\": 317.187, \"text\": \"對,委員我剛剛所說的就是主任公司他不會因為說他之前的契約已經生效他們以後對於消費者的這個部分的話會遵守最新的自律規範對,那我是說之前簽的約勒?對,還是他還是會按照最新的自律規範所以意思是說可以溯及既往就對了?對,是好,那你剛才提到那個四個弊端第一個,廉政死角你沒有回答我是現在廉政還是死角嗎?\", \"words\": [{\"word\": \"對\"}, {\"word\": \",\"}, {\"word\": \"委\", \"start\": 289.935, \"end\": 290.335, \"score\": 0.914}, {\"word\": \"員\"}, {\"word\": \"我\", \"start\": 290.335, \"end\": 290.996, \"score\": 0.932}, {\"word\": \"剛\"}, {\"word\": \"剛\"}, {\"word\": \"所\", \"start\": 290.996, \"end\": 291.196, \"score\": 0.9}, {\"word\": \"說\"}, {\"word\": \"的\", \"start\": 291.196, \"end\": 291.356, \"score\": 0.987}, {\"word\": \"就\", \"start\": 291.356, \"end\": 291.516, \"score\": 0.999}, {\"word\": \"是\", \"start\": 291.516, \"end\": 291.776, \"score\": 0.999}, {\"word\": \"主\", \"start\": 291.776, \"end\": 291.936, \"score\": 0.879}, {\"word\": \"任\", \"start\": 291.936, \"end\": 292.116, \"score\": 0.925}, {\"word\": \"公\", \"start\": 292.116, \"end\": 292.416, \"score\": 0.999}, {\"word\": \"司\", \"start\": 292.416, \"end\": 292.937, \"score\": 1.0}, {\"word\": \"他\", \"start\": 292.937, \"end\": 293.317, \"score\": 0.996}, {\"word\": \"不\", \"start\": 293.317, \"end\": 293.777, \"score\": 0.956}, {\"word\": \"會\"}, {\"word\": \"因\", \"start\": 293.777, \"end\": 294.317, \"score\": 0.926}, {\"word\": \"為\"}, {\"word\": \"說\"}, {\"word\": \"他\", \"start\": 294.317, \"end\": 294.517, \"score\": 0.9}, {\"word\": \"之\", \"start\": 294.517, \"end\": 294.697, \"score\": 0.999}, {\"word\": \"前\", \"start\": 294.697, \"end\": 294.857, \"score\": 0.996}, {\"word\": \"的\", \"start\": 294.857, \"end\": 295.077, \"score\": 0.999}, {\"word\": \"契\", \"start\": 295.077, \"end\": 295.418, \"score\": 0.932}, {\"word\": \"約\"}, {\"word\": \"已\", \"start\": 295.418, \"end\": 295.778, \"score\": 0.944}, {\"word\": \"經\"}, {\"word\": \"生\", \"start\": 295.778, \"end\": 296.058, \"score\": 0.94}, {\"word\": \"效\", \"start\": 296.058, \"end\": 296.578, \"score\": 0.994}, {\"word\": \"他\", \"start\": 296.578, \"end\": 296.918, \"score\": 0.939}, {\"word\": \"們\"}, {\"word\": \"以\", \"start\": 296.918, \"end\": 297.178, \"score\": 0.985}, {\"word\": \"後\", \"start\": 297.178, \"end\": 297.639, \"score\": 0.913}, {\"word\": \"對\"}, {\"word\": \"於\", \"start\": 297.639, \"end\": 297.779, \"score\": 0.857}, {\"word\": \"消\", \"start\": 297.779, \"end\": 298.279, \"score\": 0.956}, {\"word\": \"費\"}, {\"word\": \"者\", \"start\": 298.279, \"end\": 298.479, \"score\": 0.999}, {\"word\": \"的\", \"start\": 298.479, \"end\": 298.939, \"score\": 0.913}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"部\", \"start\": 298.939, \"end\": 299.139, \"score\": 0.999}, {\"word\": \"分\", \"start\": 299.139, \"end\": 299.319, \"score\": 0.964}, {\"word\": \"的\", \"start\": 299.319, \"end\": 300.18, \"score\": 0.953}, {\"word\": \"話\"}, {\"word\": \"會\"}, {\"word\": \"遵\", \"start\": 300.18, \"end\": 300.46, \"score\": 0.943}, {\"word\": \"守\", \"start\": 300.46, \"end\": 300.7, \"score\": 0.924}, {\"word\": \"最\", \"start\": 300.7, \"end\": 300.94, \"score\": 0.969}, {\"word\": \"新\", \"start\": 300.94, \"end\": 301.18, \"score\": 0.93}, {\"word\": \"的\", \"start\": 301.18, \"end\": 301.42, \"score\": 0.999}, {\"word\": \"自\", \"start\": 301.42, \"end\": 301.64, \"score\": 0.942}, {\"word\": \"律\", \"start\": 301.64, \"end\": 303.181, \"score\": 0.956}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"對\"}, {\"word\": \",\"}, {\"word\": \"那\", \"start\": 303.181, \"end\": 303.341, \"score\": 0.869}, {\"word\": \"我\", \"start\": 303.341, \"end\": 303.681, \"score\": 0.936}, {\"word\": \"是\", \"start\": 303.681, \"end\": 303.901, \"score\": 0.909}, {\"word\": \"說\"}, {\"word\": \"之\", \"start\": 303.901, \"end\": 304.181, \"score\": 0.878}, {\"word\": \"前\", \"start\": 304.181, \"end\": 304.501, \"score\": 0.93}, {\"word\": \"簽\"}, {\"word\": \"的\", \"start\": 304.501, \"end\": 304.601, \"score\": 0.996}, {\"word\": \"約\"}, {\"word\": \"勒\", \"start\": 304.601, \"end\": 305.862, \"score\": 0.963}, {\"word\": \"?\"}, {\"word\": \"對\"}, {\"word\": \",\"}, {\"word\": \"還\"}, {\"word\": \"是\", \"start\": 305.862, \"end\": 306.022, \"score\": 0.992}, {\"word\": \"他\", \"start\": 306.022, \"end\": 306.342, \"score\": 0.936}, {\"word\": \"還\"}, {\"word\": \"是\", \"start\": 306.342, \"end\": 306.622, \"score\": 0.897}, {\"word\": \"會\"}, {\"word\": \"按\", \"start\": 306.622, \"end\": 306.802, \"score\": 0.995}, {\"word\": \"照\", \"start\": 306.802, \"end\": 307.062, \"score\": 0.98}, {\"word\": \"最\", \"start\": 307.062, \"end\": 307.323, \"score\": 0.94}, {\"word\": \"新\", \"start\": 307.323, \"end\": 307.623, \"score\": 0.959}, {\"word\": \"的\", \"start\": 307.623, \"end\": 308.063, \"score\": 0.999}, {\"word\": \"自\", \"start\": 308.063, \"end\": 308.203, \"score\": 0.936}, {\"word\": \"律\", \"start\": 308.203, \"end\": 308.423, \"score\": 0.975}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"所\", \"start\": 308.423, \"end\": 308.583, \"score\": 0.866}, {\"word\": \"以\", \"start\": 308.583, \"end\": 308.683, \"score\": 0.799}, {\"word\": \"意\", \"start\": 308.683, \"end\": 308.843, \"score\": 0.887}, {\"word\": \"思\", \"start\": 308.843, \"end\": 309.003, \"score\": 0.877}, {\"word\": \"是\", \"start\": 309.003, \"end\": 309.123, \"score\": 0.963}, {\"word\": \"說\"}, {\"word\": \"可\", \"start\": 309.123, \"end\": 309.263, \"score\": 0.857}, {\"word\": \"以\", \"start\": 309.263, \"end\": 309.423, \"score\": 0.875}, {\"word\": \"溯\", \"start\": 309.423, \"end\": 309.584, \"score\": 0.875}, {\"word\": \"及\", \"start\": 309.584, \"end\": 309.744, \"score\": 0.877}, {\"word\": \"既\", \"start\": 309.744, \"end\": 309.864, \"score\": 0.85}, {\"word\": \"往\", \"start\": 309.864, \"end\": 309.984, \"score\": 0.862}, {\"word\": \"就\", \"start\": 309.984, \"end\": 310.284, \"score\": 0.906}, {\"word\": \"對\"}, {\"word\": \"了\", \"start\": 310.284, \"end\": 310.644, \"score\": 0.985}, {\"word\": \"?\"}, {\"word\": \"對\"}, {\"word\": \",\"}, {\"word\": \"是\", \"start\": 310.644, \"end\": 311.104, \"score\": 0.955}, {\"word\": \"好\", \"start\": 311.104, \"end\": 311.684, \"score\": 0.965}, {\"word\": \",\"}, {\"word\": \"那\", \"start\": 311.684, \"end\": 311.804, \"score\": 0.978}, {\"word\": \"你\", \"start\": 311.804, \"end\": 311.904, \"score\": 0.985}, {\"word\": \"剛\"}, {\"word\": \"才\", \"start\": 311.904, \"end\": 312.225, \"score\": 0.937}, {\"word\": \"提\", \"start\": 312.225, \"end\": 312.345, \"score\": 0.96}, {\"word\": \"到\", \"start\": 312.345, \"end\": 312.485, \"score\": 0.991}, {\"word\": \"那\", \"start\": 312.485, \"end\": 313.185, \"score\": 0.971}, {\"word\": \"個\"}, {\"word\": \"四\", \"start\": 313.185, \"end\": 313.445, \"score\": 0.881}, {\"word\": \"個\"}, {\"word\": \"弊\", \"start\": 313.445, \"end\": 313.585, \"score\": 0.857}, {\"word\": \"端\", \"start\": 313.585, \"end\": 313.905, \"score\": 0.877}, {\"word\": \"第\", \"start\": 313.905, \"end\": 314.005, \"score\": 0.977}, {\"word\": \"一\", \"start\": 314.005, \"end\": 314.366, \"score\": 0.943}, {\"word\": \"個\"}, {\"word\": \",\"}, {\"word\": \"廉\", \"start\": 314.366, \"end\": 314.526, \"score\": 0.875}, {\"word\": \"政\", \"start\": 314.526, \"end\": 314.706, \"score\": 0.889}, {\"word\": \"死\", \"start\": 314.706, \"end\": 314.826, \"score\": 0.834}, {\"word\": \"角\", \"start\": 314.826, \"end\": 314.926, \"score\": 0.805}, {\"word\": \"你\", \"start\": 314.926, \"end\": 315.026, \"score\": 0.809}, {\"word\": \"沒\", \"start\": 315.026, \"end\": 315.106, \"score\": 0.75}, {\"word\": \"有\", \"start\": 315.106, \"end\": 315.206, \"score\": 0.873}, {\"word\": \"回\", \"start\": 315.206, \"end\": 315.346, \"score\": 1.0}, {\"word\": \"答\", \"start\": 315.346, \"end\": 315.526, \"score\": 0.993}, {\"word\": \"我\", \"start\": 315.526, \"end\": 315.686, \"score\": 0.999}, {\"word\": \"是\", \"start\": 315.686, \"end\": 316.126, \"score\": 0.95}, {\"word\": \"現\"}, {\"word\": \"在\", \"start\": 316.126, \"end\": 316.266, \"score\": 0.999}, {\"word\": \"廉\", \"start\": 316.266, \"end\": 316.446, \"score\": 0.889}, {\"word\": \"政\", \"start\": 316.446, \"end\": 316.706, \"score\": 0.846}, {\"word\": \"還\"}, {\"word\": \"是\", \"start\": 316.706, \"end\": 317.007, \"score\": 0.877}, {\"word\": \"死\", \"start\": 317.007, \"end\": 317.167, \"score\": 0.917}, {\"word\": \"角\", \"start\": 317.167, \"end\": 317.187, \"score\": 0.184}, {\"word\": \"嗎\"}, {\"word\": \"?\"}]}, {\"start\": 319.844, \"end\": 323.151, \"text\": \"就是竹林公司跟我們的這個廉政中心到底有沒有連線啊?\", \"words\": [{\"word\": \"就\", \"start\": 319.844, \"end\": 319.964, \"score\": 0.834}, {\"word\": \"是\", \"start\": 319.964, \"end\": 320.165, \"score\": 0.9}, {\"word\": \"竹\", \"start\": 320.165, \"end\": 320.285, \"score\": 0.85}, {\"word\": \"林\", \"start\": 320.285, \"end\": 320.425, \"score\": 0.861}, {\"word\": \"公\", \"start\": 320.425, \"end\": 320.626, \"score\": 0.999}, {\"word\": \"司\", \"start\": 320.626, \"end\": 320.766, \"score\": 0.999}, {\"word\": \"跟\", \"start\": 320.766, \"end\": 320.906, \"score\": 0.997}, {\"word\": \"我\", \"start\": 320.906, \"end\": 321.087, \"score\": 0.889}, {\"word\": \"們\"}, {\"word\": \"的\", \"start\": 321.087, \"end\": 321.548, \"score\": 0.912}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"廉\", \"start\": 321.548, \"end\": 321.688, \"score\": 0.858}, {\"word\": \"政\", \"start\": 321.688, \"end\": 321.828, \"score\": 0.871}, {\"word\": \"中\", \"start\": 321.828, \"end\": 322.009, \"score\": 0.999}, {\"word\": \"心\", \"start\": 322.009, \"end\": 322.67, \"score\": 1.0}, {\"word\": \"到\", \"start\": 322.67, \"end\": 322.81, \"score\": 0.993}, {\"word\": \"底\", \"start\": 322.81, \"end\": 322.911, \"score\": 0.835}, {\"word\": \"有\", \"start\": 322.911, \"end\": 323.031, \"score\": 0.997}, {\"word\": \"沒\", \"start\": 323.031, \"end\": 323.111, \"score\": 0.75}, {\"word\": \"有\", \"start\": 323.111, \"end\": 323.131, \"score\": 0.94}, {\"word\": \"連\"}, {\"word\": \"線\"}, {\"word\": \"啊\", \"start\": 323.131, \"end\": 323.151, \"score\": 0.0}, {\"word\": \"?\"}]}, {\"start\": 324.629, \"end\": 352.707, \"text\": \"報告委員現在主任公司有一部分他如果當他需要消費者的信用報告因為這些消費者希望有取得信用報告所以當他如果跟連真拿消費者同意之下他取得信用報告的時候他們這邊他們會把他對消費者的那個授信他會報到連真這邊那所以今天是說主任公司他主動去\", \"words\": [{\"word\": \"報\"}, {\"word\": \"告\", \"start\": 324.629, \"end\": 324.869, \"score\": 0.911}, {\"word\": \"委\", \"start\": 324.869, \"end\": 325.57, \"score\": 0.942}, {\"word\": \"員\"}, {\"word\": \"現\"}, {\"word\": \"在\", \"start\": 325.57, \"end\": 325.89, \"score\": 0.961}, {\"word\": \"主\", \"start\": 325.89, \"end\": 325.99, \"score\": 0.801}, {\"word\": \"任\", \"start\": 325.99, \"end\": 326.21, \"score\": 0.975}, {\"word\": \"公\", \"start\": 326.21, \"end\": 326.49, \"score\": 1.0}, {\"word\": \"司\", \"start\": 326.49, \"end\": 326.831, \"score\": 0.999}, {\"word\": \"有\", \"start\": 326.831, \"end\": 326.991, \"score\": 0.936}, {\"word\": \"一\", \"start\": 326.991, \"end\": 327.191, \"score\": 0.9}, {\"word\": \"部\", \"start\": 327.191, \"end\": 327.551, \"score\": 0.995}, {\"word\": \"分\", \"start\": 327.551, \"end\": 328.111, \"score\": 0.979}, {\"word\": \"他\", \"start\": 328.111, \"end\": 328.372, \"score\": 0.99}, {\"word\": \"如\", \"start\": 328.372, \"end\": 328.572, \"score\": 0.998}, {\"word\": \"果\", \"start\": 328.572, \"end\": 328.972, \"score\": 0.947}, {\"word\": \"當\"}, {\"word\": \"他\", \"start\": 328.972, \"end\": 329.212, \"score\": 0.98}, {\"word\": \"需\", \"start\": 329.212, \"end\": 329.412, \"score\": 0.931}, {\"word\": \"要\", \"start\": 329.412, \"end\": 330.713, \"score\": 0.99}, {\"word\": \"消\", \"start\": 330.713, \"end\": 331.033, \"score\": 0.937}, {\"word\": \"費\"}, {\"word\": \"者\", \"start\": 331.033, \"end\": 331.153, \"score\": 0.999}, {\"word\": \"的\", \"start\": 331.153, \"end\": 331.293, \"score\": 0.998}, {\"word\": \"信\", \"start\": 331.293, \"end\": 331.453, \"score\": 1.0}, {\"word\": \"用\", \"start\": 331.453, \"end\": 331.854, \"score\": 0.95}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 331.854, \"end\": 332.054, \"score\": 0.999}, {\"word\": \"因\", \"start\": 332.054, \"end\": 332.394, \"score\": 0.882}, {\"word\": \"為\"}, {\"word\": \"這\"}, {\"word\": \"些\", \"start\": 332.394, \"end\": 332.514, \"score\": 0.844}, {\"word\": \"消\", \"start\": 332.514, \"end\": 332.854, \"score\": 0.94}, {\"word\": \"費\"}, {\"word\": \"者\", \"start\": 332.854, \"end\": 333.034, \"score\": 0.999}, {\"word\": \"希\", \"start\": 333.034, \"end\": 333.235, \"score\": 0.999}, {\"word\": \"望\", \"start\": 333.235, \"end\": 333.435, \"score\": 0.999}, {\"word\": \"有\", \"start\": 333.435, \"end\": 333.615, \"score\": 0.998}, {\"word\": \"取\", \"start\": 333.615, \"end\": 333.755, \"score\": 0.987}, {\"word\": \"得\", \"start\": 333.755, \"end\": 333.915, \"score\": 0.922}, {\"word\": \"信\", \"start\": 333.915, \"end\": 334.095, \"score\": 0.993}, {\"word\": \"用\", \"start\": 334.095, \"end\": 334.515, \"score\": 0.95}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 334.515, \"end\": 334.956, \"score\": 0.961}, {\"word\": \"所\", \"start\": 334.956, \"end\": 335.136, \"score\": 0.889}, {\"word\": \"以\", \"start\": 335.136, \"end\": 335.316, \"score\": 0.888}, {\"word\": \"當\"}, {\"word\": \"他\", \"start\": 335.316, \"end\": 335.476, \"score\": 0.967}, {\"word\": \"如\", \"start\": 335.476, \"end\": 335.636, \"score\": 0.995}, {\"word\": \"果\", \"start\": 335.636, \"end\": 335.836, \"score\": 0.938}, {\"word\": \"跟\", \"start\": 335.836, \"end\": 336.176, \"score\": 0.937}, {\"word\": \"連\"}, {\"word\": \"真\", \"start\": 336.176, \"end\": 336.637, \"score\": 0.968}, {\"word\": \"拿\", \"start\": 336.637, \"end\": 337.137, \"score\": 0.997}, {\"word\": \"消\", \"start\": 337.137, \"end\": 337.457, \"score\": 0.935}, {\"word\": \"費\"}, {\"word\": \"者\", \"start\": 337.457, \"end\": 338.278, \"score\": 0.998}, {\"word\": \"同\", \"start\": 338.278, \"end\": 338.498, \"score\": 0.978}, {\"word\": \"意\", \"start\": 338.498, \"end\": 338.638, \"score\": 0.861}, {\"word\": \"之\", \"start\": 338.638, \"end\": 338.758, \"score\": 0.996}, {\"word\": \"下\", \"start\": 338.758, \"end\": 338.938, \"score\": 0.993}, {\"word\": \"他\", \"start\": 338.938, \"end\": 339.138, \"score\": 0.902}, {\"word\": \"取\", \"start\": 339.138, \"end\": 339.278, \"score\": 0.919}, {\"word\": \"得\", \"start\": 339.278, \"end\": 339.418, \"score\": 0.857}, {\"word\": \"信\", \"start\": 339.418, \"end\": 339.578, \"score\": 0.996}, {\"word\": \"用\", \"start\": 339.578, \"end\": 339.919, \"score\": 0.941}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 339.919, \"end\": 340.079, \"score\": 0.994}, {\"word\": \"的\", \"start\": 340.079, \"end\": 340.439, \"score\": 0.943}, {\"word\": \"時\"}, {\"word\": \"候\", \"start\": 340.439, \"end\": 340.959, \"score\": 0.993}, {\"word\": \"他\", \"start\": 340.959, \"end\": 341.86, \"score\": 0.932}, {\"word\": \"們\"}, {\"word\": \"這\"}, {\"word\": \"邊\"}, {\"word\": \"他\", \"start\": 341.86, \"end\": 342.42, \"score\": 0.926}, {\"word\": \"們\"}, {\"word\": \"會\"}, {\"word\": \"把\", \"start\": 342.42, \"end\": 342.921, \"score\": 0.975}, {\"word\": \"他\", \"start\": 342.921, \"end\": 343.361, \"score\": 0.916}, {\"word\": \"對\"}, {\"word\": \"消\", \"start\": 343.361, \"end\": 343.701, \"score\": 0.938}, {\"word\": \"費\"}, {\"word\": \"者\", \"start\": 343.701, \"end\": 343.841, \"score\": 0.999}, {\"word\": \"的\", \"start\": 343.841, \"end\": 344.401, \"score\": 0.962}, {\"word\": \"那\", \"start\": 344.401, \"end\": 344.902, \"score\": 0.933}, {\"word\": \"個\"}, {\"word\": \"授\", \"start\": 344.902, \"end\": 345.142, \"score\": 0.917}, {\"word\": \"信\", \"start\": 345.142, \"end\": 345.562, \"score\": 0.971}, {\"word\": \"他\", \"start\": 345.562, \"end\": 346.963, \"score\": 0.964}, {\"word\": \"會\"}, {\"word\": \"報\"}, {\"word\": \"到\", \"start\": 346.963, \"end\": 347.403, \"score\": 0.856}, {\"word\": \"連\"}, {\"word\": \"真\", \"start\": 347.403, \"end\": 348.484, \"score\": 0.941}, {\"word\": \"這\"}, {\"word\": \"邊\"}, {\"word\": \"那\", \"start\": 348.484, \"end\": 349.064, \"score\": 0.957}, {\"word\": \"所\", \"start\": 349.064, \"end\": 349.264, \"score\": 0.995}, {\"word\": \"以\", \"start\": 349.264, \"end\": 349.525, \"score\": 0.927}, {\"word\": \"今\", \"start\": 349.525, \"end\": 349.685, \"score\": 0.874}, {\"word\": \"天\", \"start\": 349.685, \"end\": 349.885, \"score\": 0.999}, {\"word\": \"是\", \"start\": 349.885, \"end\": 350.745, \"score\": 0.975}, {\"word\": \"說\"}, {\"word\": \"主\", \"start\": 350.745, \"end\": 350.865, \"score\": 0.853}, {\"word\": \"任\", \"start\": 350.865, \"end\": 351.005, \"score\": 0.867}, {\"word\": \"公\", \"start\": 351.005, \"end\": 351.246, \"score\": 1.0}, {\"word\": \"司\", \"start\": 351.246, \"end\": 351.866, \"score\": 1.0}, {\"word\": \"他\", \"start\": 351.866, \"end\": 352.126, \"score\": 0.995}, {\"word\": \"主\", \"start\": 352.126, \"end\": 352.686, \"score\": 0.958}, {\"word\": \"動\"}, {\"word\": \"去\", \"start\": 352.686, \"end\": 352.707, \"score\": 0.976}]}, {\"start\": 353.843, \"end\": 377.72, \"text\": \"去跟這個比如說這個要借貸的人去跟他要資料他才去對所以這個就是沒有限制嘛對那因為這個已經取得消費者的同意所以他可以報資料那我認為啦我一般跟這個銀行借款啊他都會去聯徵嘛就是說看我個人的這個借貸紀錄是怎麼樣才決定說到底要不要借和借多少嘛那為什麼租賃公司不要融資公司不用勒\", \"words\": [{\"word\": \"去\", \"start\": 353.843, \"end\": 354.063, \"score\": 0.985}, {\"word\": \"跟\", \"start\": 354.063, \"end\": 355.104, \"score\": 0.938}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"比\", \"start\": 355.104, \"end\": 355.224, \"score\": 0.833}, {\"word\": \"如\", \"start\": 355.224, \"end\": 355.864, \"score\": 0.903}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"要\", \"start\": 355.864, \"end\": 356.005, \"score\": 0.873}, {\"word\": \"借\", \"start\": 356.005, \"end\": 356.365, \"score\": 0.865}, {\"word\": \"貸\"}, {\"word\": \"的\", \"start\": 356.365, \"end\": 356.485, \"score\": 0.984}, {\"word\": \"人\", \"start\": 356.485, \"end\": 356.785, \"score\": 1.0}, {\"word\": \"去\", \"start\": 356.785, \"end\": 356.865, \"score\": 0.75}, {\"word\": \"跟\", \"start\": 356.865, \"end\": 356.885, \"score\": 0.006}, {\"word\": \"他\", \"start\": 356.885, \"end\": 357.005, \"score\": 0.831}, {\"word\": \"要\", \"start\": 357.005, \"end\": 357.305, \"score\": 0.929}, {\"word\": \"資\"}, {\"word\": \"料\", \"start\": 357.305, \"end\": 357.966, \"score\": 0.995}, {\"word\": \"他\", \"start\": 357.966, \"end\": 358.146, \"score\": 0.886}, {\"word\": \"才\", \"start\": 358.146, \"end\": 358.326, \"score\": 0.866}, {\"word\": \"去\", \"start\": 358.326, \"end\": 358.827, \"score\": 0.945}, {\"word\": \"對\"}, {\"word\": \"所\", \"start\": 358.827, \"end\": 358.987, \"score\": 0.872}, {\"word\": \"以\", \"start\": 358.987, \"end\": 359.387, \"score\": 0.841}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"就\", \"start\": 359.387, \"end\": 359.507, \"score\": 0.999}, {\"word\": \"是\", \"start\": 359.507, \"end\": 359.607, \"score\": 0.924}, {\"word\": \"沒\", \"start\": 359.607, \"end\": 359.687, \"score\": 0.735}, {\"word\": \"有\", \"start\": 359.687, \"end\": 359.807, \"score\": 0.999}, {\"word\": \"限\", \"start\": 359.807, \"end\": 360.067, \"score\": 0.997}, {\"word\": \"制\", \"start\": 360.067, \"end\": 360.207, \"score\": 0.979}, {\"word\": \"嘛\", \"start\": 360.207, \"end\": 361.428, \"score\": 0.967}, {\"word\": \"對\"}, {\"word\": \"那\", \"start\": 361.428, \"end\": 361.769, \"score\": 0.998}, {\"word\": \"因\", \"start\": 361.769, \"end\": 362.289, \"score\": 0.868}, {\"word\": \"為\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"已\", \"start\": 362.289, \"end\": 362.549, \"score\": 0.846}, {\"word\": \"經\"}, {\"word\": \"取\", \"start\": 362.549, \"end\": 362.729, \"score\": 0.988}, {\"word\": \"得\", \"start\": 362.729, \"end\": 362.909, \"score\": 0.898}, {\"word\": \"消\", \"start\": 362.909, \"end\": 363.29, \"score\": 0.945}, {\"word\": \"費\"}, {\"word\": \"者\", \"start\": 363.29, \"end\": 363.43, \"score\": 0.997}, {\"word\": \"的\", \"start\": 363.43, \"end\": 363.63, \"score\": 0.999}, {\"word\": \"同\", \"start\": 363.63, \"end\": 363.89, \"score\": 0.942}, {\"word\": \"意\", \"start\": 363.89, \"end\": 364.13, \"score\": 0.923}, {\"word\": \"所\", \"start\": 364.13, \"end\": 364.27, \"score\": 0.859}, {\"word\": \"以\", \"start\": 364.27, \"end\": 364.35, \"score\": 0.966}, {\"word\": \"他\", \"start\": 364.35, \"end\": 364.651, \"score\": 0.997}, {\"word\": \"可\", \"start\": 364.651, \"end\": 364.891, \"score\": 0.999}, {\"word\": \"以\", \"start\": 364.891, \"end\": 364.991, \"score\": 0.881}, {\"word\": \"報\"}, {\"word\": \"資\"}, {\"word\": \"料\", \"start\": 364.991, \"end\": 365.871, \"score\": 0.908}, {\"word\": \"那\", \"start\": 365.871, \"end\": 366.052, \"score\": 0.886}, {\"word\": \"我\", \"start\": 366.052, \"end\": 366.212, \"score\": 0.865}, {\"word\": \"認\"}, {\"word\": \"為\"}, {\"word\": \"啦\", \"start\": 366.212, \"end\": 366.572, \"score\": 0.949}, {\"word\": \"我\", \"start\": 366.572, \"end\": 366.712, \"score\": 0.988}, {\"word\": \"一\", \"start\": 366.712, \"end\": 366.832, \"score\": 0.832}, {\"word\": \"般\", \"start\": 366.832, \"end\": 367.032, \"score\": 0.949}, {\"word\": \"跟\", \"start\": 367.032, \"end\": 367.613, \"score\": 0.899}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 367.613, \"end\": 367.793, \"score\": 0.998}, {\"word\": \"借\", \"start\": 367.793, \"end\": 367.993, \"score\": 0.939}, {\"word\": \"款\", \"start\": 367.993, \"end\": 368.173, \"score\": 0.989}, {\"word\": \"啊\", \"start\": 368.173, \"end\": 369.274, \"score\": 0.927}, {\"word\": \"他\", \"start\": 369.274, \"end\": 369.494, \"score\": 0.908}, {\"word\": \"都\", \"start\": 369.494, \"end\": 369.634, \"score\": 0.855}, {\"word\": \"會\"}, {\"word\": \"去\", \"start\": 369.634, \"end\": 370.114, \"score\": 0.9}, {\"word\": \"聯\"}, {\"word\": \"徵\"}, {\"word\": \"嘛\", \"start\": 370.114, \"end\": 370.254, \"score\": 0.856}, {\"word\": \"就\", \"start\": 370.254, \"end\": 370.415, \"score\": 0.885}, {\"word\": \"是\", \"start\": 370.415, \"end\": 370.675, \"score\": 0.787}, {\"word\": \"說\"}, {\"word\": \"看\", \"start\": 370.675, \"end\": 370.815, \"score\": 0.996}, {\"word\": \"我\", \"start\": 370.815, \"end\": 371.095, \"score\": 0.925}, {\"word\": \"個\"}, {\"word\": \"人\", \"start\": 371.095, \"end\": 371.235, \"score\": 0.894}, {\"word\": \"的\", \"start\": 371.235, \"end\": 372.156, \"score\": 0.955}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"借\", \"start\": 372.156, \"end\": 372.696, \"score\": 0.857}, {\"word\": \"貸\"}, {\"word\": \"紀\"}, {\"word\": \"錄\"}, {\"word\": \"是\", \"start\": 372.696, \"end\": 372.816, \"score\": 0.98}, {\"word\": \"怎\", \"start\": 372.816, \"end\": 373.156, \"score\": 0.874}, {\"word\": \"麼\"}, {\"word\": \"樣\"}, {\"word\": \"才\", \"start\": 373.156, \"end\": 373.457, \"score\": 0.932}, {\"word\": \"決\"}, {\"word\": \"定\", \"start\": 373.457, \"end\": 373.757, \"score\": 0.93}, {\"word\": \"說\"}, {\"word\": \"到\", \"start\": 373.757, \"end\": 373.857, \"score\": 0.977}, {\"word\": \"底\", \"start\": 373.857, \"end\": 373.957, \"score\": 0.805}, {\"word\": \"要\", \"start\": 373.957, \"end\": 374.057, \"score\": 0.948}, {\"word\": \"不\", \"start\": 374.057, \"end\": 374.077, \"score\": 0.0}, {\"word\": \"要\", \"start\": 374.077, \"end\": 374.257, \"score\": 0.899}, {\"word\": \"借\", \"start\": 374.257, \"end\": 374.397, \"score\": 0.925}, {\"word\": \"和\", \"start\": 374.397, \"end\": 374.557, \"score\": 0.921}, {\"word\": \"借\", \"start\": 374.557, \"end\": 374.678, \"score\": 0.869}, {\"word\": \"多\", \"start\": 374.678, \"end\": 374.898, \"score\": 0.999}, {\"word\": \"少\", \"start\": 374.898, \"end\": 375.038, \"score\": 0.811}, {\"word\": \"嘛\", \"start\": 375.038, \"end\": 375.478, \"score\": 0.985}, {\"word\": \"那\", \"start\": 375.478, \"end\": 375.718, \"score\": 0.819}, {\"word\": \"為\"}, {\"word\": \"什\", \"start\": 375.718, \"end\": 376.079, \"score\": 0.943}, {\"word\": \"麼\"}, {\"word\": \"租\", \"start\": 376.079, \"end\": 376.319, \"score\": 0.783}, {\"word\": \"賃\"}, {\"word\": \"公\", \"start\": 376.319, \"end\": 376.499, \"score\": 1.0}, {\"word\": \"司\", \"start\": 376.499, \"end\": 376.659, \"score\": 0.988}, {\"word\": \"不\", \"start\": 376.659, \"end\": 376.739, \"score\": 0.995}, {\"word\": \"要\", \"start\": 376.739, \"end\": 376.859, \"score\": 0.997}, {\"word\": \"融\", \"start\": 376.859, \"end\": 377.119, \"score\": 0.847}, {\"word\": \"資\"}, {\"word\": \"公\", \"start\": 377.119, \"end\": 377.299, \"score\": 0.999}, {\"word\": \"司\", \"start\": 377.299, \"end\": 377.439, \"score\": 0.994}, {\"word\": \"不\", \"start\": 377.439, \"end\": 377.54, \"score\": 0.999}, {\"word\": \"用\", \"start\": 377.54, \"end\": 377.7, \"score\": 0.977}, {\"word\": \"勒\", \"start\": 377.7, \"end\": 377.72, \"score\": 0.0}]}, {\"start\": 378.78, \"end\": 402.756, \"text\": \"這個我的意思是說這個為什麼沒有強制性勒?報告委員那個銀行因為他的風險控管非常的嚴格對這就是問題所在嘛我們對於租賃公司的這個控管風險沒有這麼嚴格啊對報告委員因為租賃公司其實我們跟他談的過程他們有跟我們反應就是說因為他們相對於其他的銀行就是他的速度很快\", \"words\": [{\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"我\", \"start\": 378.78, \"end\": 378.86, \"score\": 0.801}, {\"word\": \"的\", \"start\": 378.86, \"end\": 378.9, \"score\": 0.489}, {\"word\": \"意\", \"start\": 378.9, \"end\": 379.101, \"score\": 0.899}, {\"word\": \"思\", \"start\": 379.101, \"end\": 379.281, \"score\": 0.891}, {\"word\": \"是\", \"start\": 379.281, \"end\": 379.741, \"score\": 0.866}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"為\"}, {\"word\": \"什\", \"start\": 379.741, \"end\": 379.901, \"score\": 0.874}, {\"word\": \"麼\"}, {\"word\": \"沒\", \"start\": 379.901, \"end\": 379.981, \"score\": 0.747}, {\"word\": \"有\", \"start\": 379.981, \"end\": 380.281, \"score\": 0.832}, {\"word\": \"強\"}, {\"word\": \"制\", \"start\": 380.281, \"end\": 380.461, \"score\": 0.982}, {\"word\": \"性\", \"start\": 380.461, \"end\": 380.622, \"score\": 0.875}, {\"word\": \"勒\", \"start\": 380.622, \"end\": 381.922, \"score\": 0.952}, {\"word\": \"?\"}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 381.922, \"end\": 382.203, \"score\": 0.815}, {\"word\": \"委\", \"start\": 382.203, \"end\": 382.663, \"score\": 0.949}, {\"word\": \"員\"}, {\"word\": \"那\", \"start\": 382.663, \"end\": 383.283, \"score\": 0.933}, {\"word\": \"個\"}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 383.283, \"end\": 383.503, \"score\": 0.985}, {\"word\": \"因\", \"start\": 383.503, \"end\": 383.784, \"score\": 0.917}, {\"word\": \"為\"}, {\"word\": \"他\", \"start\": 383.784, \"end\": 383.944, \"score\": 0.97}, {\"word\": \"的\", \"start\": 383.944, \"end\": 384.524, \"score\": 0.928}, {\"word\": \"風\"}, {\"word\": \"險\"}, {\"word\": \"控\", \"start\": 384.524, \"end\": 384.724, \"score\": 0.851}, {\"word\": \"管\", \"start\": 384.724, \"end\": 384.924, \"score\": 0.981}, {\"word\": \"非\", \"start\": 384.924, \"end\": 385.104, \"score\": 0.959}, {\"word\": \"常\", \"start\": 385.104, \"end\": 385.264, \"score\": 0.975}, {\"word\": \"的\", \"start\": 385.264, \"end\": 385.625, \"score\": 0.885}, {\"word\": \"嚴\"}, {\"word\": \"格\", \"start\": 385.625, \"end\": 387.066, \"score\": 0.943}, {\"word\": \"對\"}, {\"word\": \"這\"}, {\"word\": \"就\", \"start\": 387.066, \"end\": 387.226, \"score\": 0.901}, {\"word\": \"是\", \"start\": 387.226, \"end\": 387.726, \"score\": 0.878}, {\"word\": \"問\"}, {\"word\": \"題\"}, {\"word\": \"所\", \"start\": 387.726, \"end\": 387.926, \"score\": 0.919}, {\"word\": \"在\", \"start\": 387.926, \"end\": 388.106, \"score\": 0.997}, {\"word\": \"嘛\", \"start\": 388.106, \"end\": 388.286, \"score\": 0.889}, {\"word\": \"我\", \"start\": 388.286, \"end\": 388.507, \"score\": 0.894}, {\"word\": \"們\"}, {\"word\": \"對\"}, {\"word\": \"於\", \"start\": 388.507, \"end\": 388.807, \"score\": 0.93}, {\"word\": \"租\", \"start\": 388.807, \"end\": 389.087, \"score\": 0.859}, {\"word\": \"賃\"}, {\"word\": \"公\", \"start\": 389.087, \"end\": 389.287, \"score\": 0.911}, {\"word\": \"司\", \"start\": 389.287, \"end\": 389.547, \"score\": 0.906}, {\"word\": \"的\", \"start\": 389.547, \"end\": 389.907, \"score\": 0.946}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"控\", \"start\": 389.907, \"end\": 390.088, \"score\": 0.883}, {\"word\": \"管\", \"start\": 390.088, \"end\": 390.588, \"score\": 0.909}, {\"word\": \"風\"}, {\"word\": \"險\"}, {\"word\": \"沒\", \"start\": 390.588, \"end\": 390.948, \"score\": 0.864}, {\"word\": \"有\", \"start\": 390.948, \"end\": 391.148, \"score\": 0.899}, {\"word\": \"這\"}, {\"word\": \"麼\"}, {\"word\": \"嚴\"}, {\"word\": \"格\", \"start\": 391.148, \"end\": 391.308, \"score\": 0.996}, {\"word\": \"啊\", \"start\": 391.308, \"end\": 392.929, \"score\": 0.961}, {\"word\": \"對\"}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 392.929, \"end\": 393.129, \"score\": 0.896}, {\"word\": \"委\", \"start\": 393.129, \"end\": 393.47, \"score\": 0.909}, {\"word\": \"員\"}, {\"word\": \"因\", \"start\": 393.47, \"end\": 393.69, \"score\": 0.909}, {\"word\": \"為\"}, {\"word\": \"租\", \"start\": 393.69, \"end\": 393.97, \"score\": 0.86}, {\"word\": \"賃\"}, {\"word\": \"公\", \"start\": 393.97, \"end\": 394.15, \"score\": 0.999}, {\"word\": \"司\", \"start\": 394.15, \"end\": 394.31, \"score\": 0.998}, {\"word\": \"其\", \"start\": 394.31, \"end\": 394.67, \"score\": 0.922}, {\"word\": \"實\"}, {\"word\": \"我\", \"start\": 394.67, \"end\": 394.891, \"score\": 0.907}, {\"word\": \"們\"}, {\"word\": \"跟\", \"start\": 394.891, \"end\": 395.211, \"score\": 0.863}, {\"word\": \"他\", \"start\": 395.211, \"end\": 395.391, \"score\": 0.779}, {\"word\": \"談\"}, {\"word\": \"的\", \"start\": 395.391, \"end\": 395.731, \"score\": 0.928}, {\"word\": \"過\"}, {\"word\": \"程\", \"start\": 395.731, \"end\": 395.891, \"score\": 0.937}, {\"word\": \"他\", \"start\": 395.891, \"end\": 396.171, \"score\": 0.87}, {\"word\": \"們\"}, {\"word\": \"有\", \"start\": 396.171, \"end\": 396.351, \"score\": 0.999}, {\"word\": \"跟\", \"start\": 396.351, \"end\": 396.472, \"score\": 0.833}, {\"word\": \"我\", \"start\": 396.472, \"end\": 396.692, \"score\": 0.909}, {\"word\": \"們\"}, {\"word\": \"反\", \"start\": 396.692, \"end\": 397.052, \"score\": 0.941}, {\"word\": \"應\"}, {\"word\": \"就\", \"start\": 397.052, \"end\": 397.292, \"score\": 0.999}, {\"word\": \"是\", \"start\": 397.292, \"end\": 397.772, \"score\": 0.956}, {\"word\": \"說\"}, {\"word\": \"因\", \"start\": 397.772, \"end\": 398.173, \"score\": 0.948}, {\"word\": \"為\"}, {\"word\": \"他\", \"start\": 398.173, \"end\": 398.713, \"score\": 0.955}, {\"word\": \"們\"}, {\"word\": \"相\", \"start\": 398.713, \"end\": 398.933, \"score\": 0.999}, {\"word\": \"對\"}, {\"word\": \"於\", \"start\": 398.933, \"end\": 399.213, \"score\": 0.917}, {\"word\": \"其\", \"start\": 399.213, \"end\": 399.373, \"score\": 0.924}, {\"word\": \"他\", \"start\": 399.373, \"end\": 399.554, \"score\": 0.976}, {\"word\": \"的\", \"start\": 399.554, \"end\": 399.874, \"score\": 0.933}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 399.874, \"end\": 400.474, \"score\": 0.98}, {\"word\": \"就\", \"start\": 400.474, \"end\": 400.674, \"score\": 0.993}, {\"word\": \"是\", \"start\": 400.674, \"end\": 401.235, \"score\": 0.999}, {\"word\": \"他\", \"start\": 401.235, \"end\": 401.495, \"score\": 0.979}, {\"word\": \"的\", \"start\": 401.495, \"end\": 402.115, \"score\": 0.998}, {\"word\": \"速\", \"start\": 402.115, \"end\": 402.315, \"score\": 0.902}, {\"word\": \"度\", \"start\": 402.315, \"end\": 402.475, \"score\": 0.893}, {\"word\": \"很\", \"start\": 402.475, \"end\": 402.736, \"score\": 0.99}, {\"word\": \"快\", \"start\": 402.736, \"end\": 402.756, \"score\": 0.43}]}, {\"start\": 403.516, \"end\": 420.573, \"text\": \"他可能當天就沒有不是齁這個問題就在於說齁通常是比如說信用可能不是很好的人他銀行借不到錢了才到這個租賃公司去借吧那所以說如果再去廉政的話那大概就過不了吧應該是這個原因吧啊但是我們是認為說當然對有些人來講他有這個需求\", \"words\": [{\"word\": \"他\", \"start\": 403.516, \"end\": 403.736, \"score\": 0.931}, {\"word\": \"可\", \"start\": 403.736, \"end\": 403.876, \"score\": 0.912}, {\"word\": \"能\", \"start\": 403.876, \"end\": 404.397, \"score\": 0.961}, {\"word\": \"當\"}, {\"word\": \"天\", \"start\": 404.397, \"end\": 404.657, \"score\": 0.988}, {\"word\": \"就\", \"start\": 404.657, \"end\": 404.777, \"score\": 0.998}, {\"word\": \"沒\", \"start\": 404.777, \"end\": 404.897, \"score\": 0.833}, {\"word\": \"有\", \"start\": 404.897, \"end\": 405.038, \"score\": 0.996}, {\"word\": \"不\", \"start\": 405.038, \"end\": 405.158, \"score\": 1.0}, {\"word\": \"是\", \"start\": 405.158, \"end\": 406.299, \"score\": 0.912}, {\"word\": \"齁\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"問\"}, {\"word\": \"題\"}, {\"word\": \"就\", \"start\": 406.299, \"end\": 406.439, \"score\": 0.998}, {\"word\": \"在\", \"start\": 406.439, \"end\": 406.579, \"score\": 0.92}, {\"word\": \"於\", \"start\": 406.579, \"end\": 407.34, \"score\": 0.921}, {\"word\": \"說\"}, {\"word\": \"齁\"}, {\"word\": \"通\", \"start\": 407.34, \"end\": 407.48, \"score\": 0.928}, {\"word\": \"常\", \"start\": 407.48, \"end\": 407.72, \"score\": 0.975}, {\"word\": \"是\", \"start\": 407.72, \"end\": 408.161, \"score\": 0.999}, {\"word\": \"比\", \"start\": 408.161, \"end\": 408.301, \"score\": 0.857}, {\"word\": \"如\", \"start\": 408.301, \"end\": 408.521, \"score\": 0.909}, {\"word\": \"說\"}, {\"word\": \"信\", \"start\": 408.521, \"end\": 408.641, \"score\": 0.997}, {\"word\": \"用\", \"start\": 408.641, \"end\": 408.801, \"score\": 0.987}, {\"word\": \"可\", \"start\": 408.801, \"end\": 408.922, \"score\": 0.846}, {\"word\": \"能\", \"start\": 408.922, \"end\": 409.002, \"score\": 0.795}, {\"word\": \"不\", \"start\": 409.002, \"end\": 409.122, \"score\": 1.0}, {\"word\": \"是\", \"start\": 409.122, \"end\": 409.242, \"score\": 0.822}, {\"word\": \"很\", \"start\": 409.242, \"end\": 409.382, \"score\": 0.976}, {\"word\": \"好\", \"start\": 409.382, \"end\": 409.542, \"score\": 0.999}, {\"word\": \"的\", \"start\": 409.542, \"end\": 409.682, \"score\": 0.997}, {\"word\": \"人\", \"start\": 409.682, \"end\": 409.903, \"score\": 1.0}, {\"word\": \"他\", \"start\": 409.903, \"end\": 410.163, \"score\": 0.901}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 410.163, \"end\": 410.343, \"score\": 1.0}, {\"word\": \"借\", \"start\": 410.343, \"end\": 410.483, \"score\": 0.992}, {\"word\": \"不\", \"start\": 410.483, \"end\": 410.583, \"score\": 0.963}, {\"word\": \"到\", \"start\": 410.583, \"end\": 410.944, \"score\": 0.942}, {\"word\": \"錢\"}, {\"word\": \"了\", \"start\": 410.944, \"end\": 411.384, \"score\": 1.0}, {\"word\": \"才\", \"start\": 411.384, \"end\": 411.484, \"score\": 0.997}, {\"word\": \"到\", \"start\": 411.484, \"end\": 411.824, \"score\": 0.881}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"租\", \"start\": 411.824, \"end\": 412.065, \"score\": 0.833}, {\"word\": \"賃\"}, {\"word\": \"公\", \"start\": 412.065, \"end\": 412.245, \"score\": 0.908}, {\"word\": \"司\", \"start\": 412.245, \"end\": 412.365, \"score\": 0.835}, {\"word\": \"去\", \"start\": 412.365, \"end\": 412.525, \"score\": 0.996}, {\"word\": \"借\", \"start\": 412.525, \"end\": 412.725, \"score\": 0.9}, {\"word\": \"吧\", \"start\": 412.725, \"end\": 413.466, \"score\": 0.995}, {\"word\": \"那\", \"start\": 413.466, \"end\": 413.606, \"score\": 0.863}, {\"word\": \"所\", \"start\": 413.606, \"end\": 413.706, \"score\": 0.821}, {\"word\": \"以\", \"start\": 413.706, \"end\": 413.927, \"score\": 0.818}, {\"word\": \"說\"}, {\"word\": \"如\", \"start\": 413.927, \"end\": 414.067, \"score\": 0.882}, {\"word\": \"果\", \"start\": 414.067, \"end\": 414.207, \"score\": 0.997}, {\"word\": \"再\", \"start\": 414.207, \"end\": 414.327, \"score\": 0.924}, {\"word\": \"去\", \"start\": 414.327, \"end\": 414.427, \"score\": 0.997}, {\"word\": \"廉\", \"start\": 414.427, \"end\": 414.587, \"score\": 0.875}, {\"word\": \"政\", \"start\": 414.587, \"end\": 414.687, \"score\": 0.8}, {\"word\": \"的\", \"start\": 414.687, \"end\": 414.948, \"score\": 0.889}, {\"word\": \"話\"}, {\"word\": \"那\", \"start\": 414.948, \"end\": 415.068, \"score\": 0.836}, {\"word\": \"大\", \"start\": 415.068, \"end\": 415.168, \"score\": 0.993}, {\"word\": \"概\", \"start\": 415.168, \"end\": 415.288, \"score\": 0.997}, {\"word\": \"就\", \"start\": 415.288, \"end\": 415.668, \"score\": 0.896}, {\"word\": \"過\"}, {\"word\": \"不\", \"start\": 415.668, \"end\": 415.748, \"score\": 0.904}, {\"word\": \"了\", \"start\": 415.748, \"end\": 416.95, \"score\": 0.99}, {\"word\": \"吧\", \"start\": 416.95, \"end\": 417.07, \"score\": 0.827}, {\"word\": \"應\"}, {\"word\": \"該\"}, {\"word\": \"是\", \"start\": 417.07, \"end\": 417.35, \"score\": 0.76}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"原\", \"start\": 417.35, \"end\": 417.47, \"score\": 0.842}, {\"word\": \"因\", \"start\": 417.47, \"end\": 417.67, \"score\": 0.999}, {\"word\": \"吧\", \"start\": 417.67, \"end\": 418.111, \"score\": 0.998}, {\"word\": \"啊\", \"start\": 418.111, \"end\": 418.251, \"score\": 0.856}, {\"word\": \"但\", \"start\": 418.251, \"end\": 418.391, \"score\": 0.857}, {\"word\": \"是\", \"start\": 418.391, \"end\": 418.551, \"score\": 0.885}, {\"word\": \"我\", \"start\": 418.551, \"end\": 418.771, \"score\": 0.909}, {\"word\": \"們\"}, {\"word\": \"是\", \"start\": 418.771, \"end\": 418.872, \"score\": 0.99}, {\"word\": \"認\"}, {\"word\": \"為\"}, {\"word\": \"說\"}, {\"word\": \"當\"}, {\"word\": \"然\", \"start\": 418.872, \"end\": 418.972, \"score\": 0.799}, {\"word\": \"對\"}, {\"word\": \"有\", \"start\": 418.972, \"end\": 419.012, \"score\": 0.5}, {\"word\": \"些\", \"start\": 419.012, \"end\": 419.993, \"score\": 0.939}, {\"word\": \"人\", \"start\": 419.993, \"end\": 420.093, \"score\": 0.816}, {\"word\": \"來\"}, {\"word\": \"講\"}, {\"word\": \"他\", \"start\": 420.093, \"end\": 420.233, \"score\": 0.854}, {\"word\": \"有\", \"start\": 420.233, \"end\": 420.413, \"score\": 0.992}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"需\", \"start\": 420.413, \"end\": 420.553, \"score\": 0.857}, {\"word\": \"求\", \"start\": 420.553, \"end\": 420.573, \"score\": 0.0}]}, {\"start\": 422.634, \"end\": 438.125, \"text\": \"但是如果說能夠跟廉政中心配合的話那至少租賃公司他在借貸的時候他有一個比例嘛或者說我大概可以借多少不是說這個沒有限制那甚至呢借更多給他那形成一種惡性的循環啊\", \"words\": [{\"word\": \"但\", \"start\": 422.634, \"end\": 422.814, \"score\": 0.986}, {\"word\": \"是\", \"start\": 422.814, \"end\": 423.395, \"score\": 0.995}, {\"word\": \"如\", \"start\": 423.395, \"end\": 423.535, \"score\": 0.891}, {\"word\": \"果\", \"start\": 423.535, \"end\": 424.375, \"score\": 0.977}, {\"word\": \"說\"}, {\"word\": \"能\", \"start\": 424.375, \"end\": 424.595, \"score\": 0.907}, {\"word\": \"夠\"}, {\"word\": \"跟\", \"start\": 424.595, \"end\": 424.755, \"score\": 0.973}, {\"word\": \"廉\", \"start\": 424.755, \"end\": 424.876, \"score\": 0.833}, {\"word\": \"政\", \"start\": 424.876, \"end\": 425.016, \"score\": 0.857}, {\"word\": \"中\", \"start\": 425.016, \"end\": 425.136, \"score\": 0.997}, {\"word\": \"心\", \"start\": 425.136, \"end\": 425.316, \"score\": 0.999}, {\"word\": \"配\", \"start\": 425.316, \"end\": 425.476, \"score\": 0.997}, {\"word\": \"合\", \"start\": 425.476, \"end\": 425.556, \"score\": 0.966}, {\"word\": \"的\", \"start\": 425.556, \"end\": 426.377, \"score\": 0.95}, {\"word\": \"話\"}, {\"word\": \"那\", \"start\": 426.377, \"end\": 426.497, \"score\": 0.999}, {\"word\": \"至\", \"start\": 426.497, \"end\": 426.597, \"score\": 0.812}, {\"word\": \"少\", \"start\": 426.597, \"end\": 426.757, \"score\": 0.876}, {\"word\": \"租\", \"start\": 426.757, \"end\": 426.997, \"score\": 0.839}, {\"word\": \"賃\"}, {\"word\": \"公\", \"start\": 426.997, \"end\": 427.177, \"score\": 0.999}, {\"word\": \"司\", \"start\": 427.177, \"end\": 427.297, \"score\": 0.843}, {\"word\": \"他\", \"start\": 427.297, \"end\": 427.417, \"score\": 0.837}, {\"word\": \"在\", \"start\": 427.417, \"end\": 427.557, \"score\": 0.999}, {\"word\": \"借\", \"start\": 427.557, \"end\": 427.717, \"score\": 0.771}, {\"word\": \"貸\"}, {\"word\": \"的\", \"start\": 427.717, \"end\": 427.938, \"score\": 0.909}, {\"word\": \"時\"}, {\"word\": \"候\", \"start\": 427.938, \"end\": 428.418, \"score\": 0.958}, {\"word\": \"他\", \"start\": 428.418, \"end\": 428.618, \"score\": 0.963}, {\"word\": \"有\", \"start\": 428.618, \"end\": 428.738, \"score\": 0.998}, {\"word\": \"一\", \"start\": 428.738, \"end\": 429.679, \"score\": 0.978}, {\"word\": \"個\"}, {\"word\": \"比\", \"start\": 429.679, \"end\": 429.819, \"score\": 0.997}, {\"word\": \"例\", \"start\": 429.819, \"end\": 430.019, \"score\": 0.911}, {\"word\": \"嘛\", \"start\": 430.019, \"end\": 430.479, \"score\": 0.975}, {\"word\": \"或\", \"start\": 430.479, \"end\": 430.579, \"score\": 0.817}, {\"word\": \"者\", \"start\": 430.579, \"end\": 430.88, \"score\": 0.862}, {\"word\": \"說\"}, {\"word\": \"我\", \"start\": 430.88, \"end\": 431.0, \"score\": 1.0}, {\"word\": \"大\", \"start\": 431.0, \"end\": 431.1, \"score\": 0.979}, {\"word\": \"概\", \"start\": 431.1, \"end\": 431.24, \"score\": 0.997}, {\"word\": \"可\", \"start\": 431.24, \"end\": 431.32, \"score\": 0.755}, {\"word\": \"以\", \"start\": 431.32, \"end\": 431.4, \"score\": 0.749}, {\"word\": \"借\", \"start\": 431.4, \"end\": 431.52, \"score\": 0.885}, {\"word\": \"多\", \"start\": 431.52, \"end\": 431.72, \"score\": 0.999}, {\"word\": \"少\", \"start\": 431.72, \"end\": 431.98, \"score\": 1.0}, {\"word\": \"不\", \"start\": 431.98, \"end\": 432.08, \"score\": 1.0}, {\"word\": \"是\", \"start\": 432.08, \"end\": 433.501, \"score\": 0.93}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"沒\", \"start\": 433.501, \"end\": 433.601, \"score\": 0.8}, {\"word\": \"有\", \"start\": 433.601, \"end\": 433.722, \"score\": 1.0}, {\"word\": \"限\", \"start\": 433.722, \"end\": 433.942, \"score\": 0.981}, {\"word\": \"制\", \"start\": 433.942, \"end\": 434.102, \"score\": 0.879}, {\"word\": \"那\", \"start\": 434.102, \"end\": 434.282, \"score\": 0.999}, {\"word\": \"甚\", \"start\": 434.282, \"end\": 434.522, \"score\": 0.996}, {\"word\": \"至\", \"start\": 434.522, \"end\": 434.682, \"score\": 0.904}, {\"word\": \"呢\", \"start\": 434.682, \"end\": 435.283, \"score\": 0.998}, {\"word\": \"借\", \"start\": 435.283, \"end\": 435.463, \"score\": 0.958}, {\"word\": \"更\", \"start\": 435.463, \"end\": 435.643, \"score\": 0.995}, {\"word\": \"多\", \"start\": 435.643, \"end\": 435.923, \"score\": 0.913}, {\"word\": \"給\"}, {\"word\": \"他\", \"start\": 435.923, \"end\": 436.904, \"score\": 0.98}, {\"word\": \"那\", \"start\": 436.904, \"end\": 437.084, \"score\": 0.997}, {\"word\": \"形\", \"start\": 437.084, \"end\": 437.264, \"score\": 0.95}, {\"word\": \"成\", \"start\": 437.264, \"end\": 437.424, \"score\": 0.995}, {\"word\": \"一\", \"start\": 437.424, \"end\": 437.824, \"score\": 0.899}, {\"word\": \"種\"}, {\"word\": \"惡\"}, {\"word\": \"性\", \"start\": 437.824, \"end\": 437.984, \"score\": 0.973}, {\"word\": \"的\", \"start\": 437.984, \"end\": 438.084, \"score\": 0.999}, {\"word\": \"循\", \"start\": 438.084, \"end\": 438.104, \"score\": 0.721}, {\"word\": \"環\"}, {\"word\": \"啊\", \"start\": 438.104, \"end\": 438.125, \"score\": 0.0}]}, {\"start\": 438.925, \"end\": 457.441, \"text\": \"所以我才覺得說是不是應該就是說你來借貸的話你每個租賃公司你就必須要跟年政中心來做一個這個審視就是說那到底這個來借貸的人那到底信用有沒有問題啊啊不然這個就變成是空的了嘛就變成說我的信用不好啊但是呢我銀行借不到反正我來租賃公司借嘛\", \"words\": [{\"word\": \"所\", \"start\": 438.925, \"end\": 439.005, \"score\": 0.752}, {\"word\": \"以\", \"start\": 439.005, \"end\": 439.085, \"score\": 0.688}, {\"word\": \"我\", \"start\": 439.085, \"end\": 439.165, \"score\": 0.759}, {\"word\": \"才\", \"start\": 439.165, \"end\": 439.526, \"score\": 0.83}, {\"word\": \"覺\"}, {\"word\": \"得\", \"start\": 439.526, \"end\": 440.206, \"score\": 0.964}, {\"word\": \"說\"}, {\"word\": \"是\", \"start\": 440.206, \"end\": 440.306, \"score\": 0.793}, {\"word\": \"不\", \"start\": 440.306, \"end\": 440.406, \"score\": 0.952}, {\"word\": \"是\", \"start\": 440.406, \"end\": 440.927, \"score\": 0.913}, {\"word\": \"應\"}, {\"word\": \"該\"}, {\"word\": \"就\", \"start\": 440.927, \"end\": 441.087, \"score\": 0.871}, {\"word\": \"是\", \"start\": 441.087, \"end\": 441.707, \"score\": 0.932}, {\"word\": \"說\"}, {\"word\": \"你\", \"start\": 441.707, \"end\": 441.968, \"score\": 0.852}, {\"word\": \"來\"}, {\"word\": \"借\", \"start\": 441.968, \"end\": 442.148, \"score\": 0.779}, {\"word\": \"貸\"}, {\"word\": \"的\", \"start\": 442.148, \"end\": 442.768, \"score\": 0.875}, {\"word\": \"話\"}, {\"word\": \"你\", \"start\": 442.768, \"end\": 442.908, \"score\": 0.964}, {\"word\": \"每\", \"start\": 442.908, \"end\": 443.169, \"score\": 0.913}, {\"word\": \"個\"}, {\"word\": \"租\", \"start\": 443.169, \"end\": 443.389, \"score\": 0.821}, {\"word\": \"賃\"}, {\"word\": \"公\", \"start\": 443.389, \"end\": 443.549, \"score\": 0.996}, {\"word\": \"司\", \"start\": 443.549, \"end\": 443.669, \"score\": 0.864}, {\"word\": \"你\", \"start\": 443.669, \"end\": 443.749, \"score\": 0.995}, {\"word\": \"就\", \"start\": 443.749, \"end\": 443.889, \"score\": 0.998}, {\"word\": \"必\", \"start\": 443.889, \"end\": 444.129, \"score\": 0.903}, {\"word\": \"須\"}, {\"word\": \"要\", \"start\": 444.129, \"end\": 444.27, \"score\": 0.929}, {\"word\": \"跟\", \"start\": 444.27, \"end\": 444.39, \"score\": 0.93}, {\"word\": \"年\", \"start\": 444.39, \"end\": 444.51, \"score\": 0.913}, {\"word\": \"政\", \"start\": 444.51, \"end\": 444.65, \"score\": 0.857}, {\"word\": \"中\", \"start\": 444.65, \"end\": 444.83, \"score\": 0.858}, {\"word\": \"心\", \"start\": 444.83, \"end\": 445.21, \"score\": 0.942}, {\"word\": \"來\"}, {\"word\": \"做\", \"start\": 445.21, \"end\": 445.37, \"score\": 0.943}, {\"word\": \"一\", \"start\": 445.37, \"end\": 447.793, \"score\": 0.937}, {\"word\": \"個\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"審\"}, {\"word\": \"視\"}, {\"word\": \"就\", \"start\": 447.793, \"end\": 447.933, \"score\": 0.919}, {\"word\": \"是\", \"start\": 447.933, \"end\": 448.093, \"score\": 0.873}, {\"word\": \"說\"}, {\"word\": \"那\", \"start\": 448.093, \"end\": 448.313, \"score\": 0.811}, {\"word\": \"到\", \"start\": 448.313, \"end\": 448.473, \"score\": 0.87}, {\"word\": \"底\", \"start\": 448.473, \"end\": 449.034, \"score\": 0.808}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"來\"}, {\"word\": \"借\", \"start\": 449.034, \"end\": 449.154, \"score\": 0.815}, {\"word\": \"貸\"}, {\"word\": \"的\", \"start\": 449.154, \"end\": 449.354, \"score\": 0.885}, {\"word\": \"人\", \"start\": 449.354, \"end\": 449.834, \"score\": 0.964}, {\"word\": \"那\", \"start\": 449.834, \"end\": 449.934, \"score\": 0.789}, {\"word\": \"到\", \"start\": 449.934, \"end\": 450.034, \"score\": 0.67}, {\"word\": \"底\", \"start\": 450.034, \"end\": 450.155, \"score\": 0.718}, {\"word\": \"信\", \"start\": 450.155, \"end\": 450.295, \"score\": 0.856}, {\"word\": \"用\", \"start\": 450.295, \"end\": 450.395, \"score\": 0.734}, {\"word\": \"有\", \"start\": 450.395, \"end\": 450.415, \"score\": 0.0}, {\"word\": \"沒\", \"start\": 450.415, \"end\": 450.535, \"score\": 0.825}, {\"word\": \"有\", \"start\": 450.535, \"end\": 450.715, \"score\": 0.696}, {\"word\": \"問\"}, {\"word\": \"題\"}, {\"word\": \"啊\", \"start\": 450.715, \"end\": 450.835, \"score\": 0.812}, {\"word\": \"啊\", \"start\": 450.835, \"end\": 451.476, \"score\": 0.855}, {\"word\": \"不\", \"start\": 451.476, \"end\": 451.636, \"score\": 0.853}, {\"word\": \"然\", \"start\": 451.636, \"end\": 451.976, \"score\": 0.824}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"就\", \"start\": 451.976, \"end\": 452.076, \"score\": 0.939}, {\"word\": \"變\"}, {\"word\": \"成\", \"start\": 452.076, \"end\": 452.216, \"score\": 0.782}, {\"word\": \"是\", \"start\": 452.216, \"end\": 452.336, \"score\": 0.791}, {\"word\": \"空\", \"start\": 452.336, \"end\": 452.517, \"score\": 0.936}, {\"word\": \"的\", \"start\": 452.517, \"end\": 452.617, \"score\": 0.826}, {\"word\": \"了\", \"start\": 452.617, \"end\": 452.677, \"score\": 0.961}, {\"word\": \"嘛\", \"start\": 452.677, \"end\": 452.977, \"score\": 0.93}, {\"word\": \"就\", \"start\": 452.977, \"end\": 453.137, \"score\": 0.945}, {\"word\": \"變\"}, {\"word\": \"成\", \"start\": 453.137, \"end\": 453.838, \"score\": 0.894}, {\"word\": \"說\"}, {\"word\": \"我\", \"start\": 453.838, \"end\": 453.978, \"score\": 0.967}, {\"word\": \"的\", \"start\": 453.978, \"end\": 454.498, \"score\": 0.915}, {\"word\": \"信\", \"start\": 454.498, \"end\": 454.638, \"score\": 0.921}, {\"word\": \"用\", \"start\": 454.638, \"end\": 454.798, \"score\": 0.94}, {\"word\": \"不\", \"start\": 454.798, \"end\": 454.899, \"score\": 0.94}, {\"word\": \"好\", \"start\": 454.899, \"end\": 455.019, \"score\": 0.926}, {\"word\": \"啊\", \"start\": 455.019, \"end\": 455.139, \"score\": 0.795}, {\"word\": \"但\", \"start\": 455.139, \"end\": 455.299, \"score\": 0.883}, {\"word\": \"是\", \"start\": 455.299, \"end\": 455.439, \"score\": 0.825}, {\"word\": \"呢\", \"start\": 455.439, \"end\": 455.559, \"score\": 0.833}, {\"word\": \"我\", \"start\": 455.559, \"end\": 455.719, \"score\": 0.839}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 455.719, \"end\": 455.879, \"score\": 0.871}, {\"word\": \"借\", \"start\": 455.879, \"end\": 455.999, \"score\": 0.949}, {\"word\": \"不\", \"start\": 455.999, \"end\": 456.12, \"score\": 0.71}, {\"word\": \"到\", \"start\": 456.12, \"end\": 456.42, \"score\": 0.906}, {\"word\": \"反\", \"start\": 456.42, \"end\": 456.48, \"score\": 0.749}, {\"word\": \"正\", \"start\": 456.48, \"end\": 456.54, \"score\": 0.488}, {\"word\": \"我\", \"start\": 456.54, \"end\": 456.76, \"score\": 0.858}, {\"word\": \"來\"}, {\"word\": \"租\", \"start\": 456.76, \"end\": 456.96, \"score\": 0.816}, {\"word\": \"賃\"}, {\"word\": \"公\", \"start\": 456.96, \"end\": 457.1, \"score\": 0.85}, {\"word\": \"司\", \"start\": 457.1, \"end\": 457.24, \"score\": 0.988}, {\"word\": \"借\", \"start\": 457.24, \"end\": 457.421, \"score\": 0.834}, {\"word\": \"嘛\", \"start\": 457.421, \"end\": 457.441, \"score\": 0.061}]}, {\"start\": 458.561, \"end\": 465.426, \"text\": \"這個就是你們要去處理的問題嘛如果你覺得我的想法也不錯那也可以說讓這個這個這個現象就是說這個三道猴子的現象這個一字二性循環那你們就應該去做啊\", \"words\": [{\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"就\", \"start\": 458.561, \"end\": 459.061, \"score\": 0.96}, {\"word\": \"是\", \"start\": 459.061, \"end\": 459.422, \"score\": 0.941}, {\"word\": \"你\", \"start\": 459.422, \"end\": 460.022, \"score\": 0.966}, {\"word\": \"們\"}, {\"word\": \"要\", \"start\": 460.022, \"end\": 460.322, \"score\": 0.913}, {\"word\": \"去\", \"start\": 460.322, \"end\": 461.203, \"score\": 0.952}, {\"word\": \"處\"}, {\"word\": \"理\", \"start\": 461.203, \"end\": 461.343, \"score\": 0.857}, {\"word\": \"的\", \"start\": 461.343, \"end\": 461.423, \"score\": 0.729}, {\"word\": \"問\"}, {\"word\": \"題\"}, {\"word\": \"嘛\", \"start\": 461.423, \"end\": 461.663, \"score\": 0.914}, {\"word\": \"如\", \"start\": 461.663, \"end\": 461.903, \"score\": 0.916}, {\"word\": \"果\", \"start\": 461.903, \"end\": 462.204, \"score\": 0.928}, {\"word\": \"你\", \"start\": 462.204, \"end\": 462.404, \"score\": 0.89}, {\"word\": \"覺\"}, {\"word\": \"得\", \"start\": 462.404, \"end\": 462.584, \"score\": 0.89}, {\"word\": \"我\", \"start\": 462.584, \"end\": 462.604, \"score\": 0.0}, {\"word\": \"的\", \"start\": 462.604, \"end\": 462.624, \"score\": 0.0}, {\"word\": \"想\", \"start\": 462.624, \"end\": 463.004, \"score\": 0.947}, {\"word\": \"法\", \"start\": 463.004, \"end\": 463.244, \"score\": 0.824}, {\"word\": \"也\", \"start\": 463.244, \"end\": 463.264, \"score\": 0.0}, {\"word\": \"不\", \"start\": 463.264, \"end\": 463.485, \"score\": 0.909}, {\"word\": \"錯\"}, {\"word\": \"那\", \"start\": 463.485, \"end\": 463.505, \"score\": 0.0}, {\"word\": \"也\", \"start\": 463.505, \"end\": 463.525, \"score\": 0.0}, {\"word\": \"可\", \"start\": 463.525, \"end\": 463.585, \"score\": 0.96}, {\"word\": \"以\", \"start\": 463.585, \"end\": 463.605, \"score\": 0.0}, {\"word\": \"說\"}, {\"word\": \"讓\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"現\"}, {\"word\": \"象\", \"start\": 463.605, \"end\": 463.625, \"score\": 0.0}, {\"word\": \"就\", \"start\": 463.625, \"end\": 463.665, \"score\": 0.5}, {\"word\": \"是\", \"start\": 463.665, \"end\": 463.785, \"score\": 0.999}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"三\", \"start\": 463.785, \"end\": 463.865, \"score\": 0.75}, {\"word\": \"道\", \"start\": 463.865, \"end\": 463.925, \"score\": 0.659}, {\"word\": \"猴\", \"start\": 463.925, \"end\": 464.065, \"score\": 0.856}, {\"word\": \"子\", \"start\": 464.065, \"end\": 464.085, \"score\": 0.0}, {\"word\": \"的\", \"start\": 464.085, \"end\": 464.105, \"score\": 0.025}, {\"word\": \"現\"}, {\"word\": \"象\", \"start\": 464.105, \"end\": 464.285, \"score\": 0.889}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"一\", \"start\": 464.285, \"end\": 464.365, \"score\": 0.749}, {\"word\": \"字\", \"start\": 464.365, \"end\": 464.485, \"score\": 0.833}, {\"word\": \"二\", \"start\": 464.485, \"end\": 464.505, \"score\": 0.0}, {\"word\": \"性\", \"start\": 464.505, \"end\": 464.525, \"score\": 0.0}, {\"word\": \"循\", \"start\": 464.525, \"end\": 464.545, \"score\": 0.0}, {\"word\": \"環\"}, {\"word\": \"那\", \"start\": 464.545, \"end\": 464.565, \"score\": 0.0}, {\"word\": \"你\", \"start\": 464.565, \"end\": 464.585, \"score\": 0.0}, {\"word\": \"們\"}, {\"word\": \"就\", \"start\": 464.585, \"end\": 464.906, \"score\": 0.931}, {\"word\": \"應\"}, {\"word\": \"該\"}, {\"word\": \"去\", \"start\": 464.906, \"end\": 465.266, \"score\": 0.944}, {\"word\": \"做\", \"start\": 465.266, \"end\": 465.406, \"score\": 0.857}, {\"word\": \"啊\", \"start\": 465.406, \"end\": 465.426, \"score\": 0.0}]}, {\"start\": 483.666, \"end\": 512.683, \"text\": \"委員我跟您報告其實我們有處理過去前年開始因為連珍是會員制他只有銀行才能加入那有一種方式現在就是像那種做線上P2P的公司我們開第二資料庫他用很快的方式由個人去申請轉借給轉交給他很快的方式取得你的credit report然後交給這個公司也是一種方式不直接取得但是由個人去取得\", \"words\": [{\"word\": \"委\", \"start\": 483.666, \"end\": 483.786, \"score\": 0.835}, {\"word\": \"員\"}, {\"word\": \"我\", \"start\": 483.786, \"end\": 483.906, \"score\": 0.832}, {\"word\": \"跟\", \"start\": 483.906, \"end\": 484.026, \"score\": 0.835}, {\"word\": \"您\", \"start\": 484.026, \"end\": 484.346, \"score\": 0.875}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 484.346, \"end\": 484.887, \"score\": 0.999}, {\"word\": \"其\", \"start\": 484.887, \"end\": 485.147, \"score\": 0.907}, {\"word\": \"實\"}, {\"word\": \"我\", \"start\": 485.147, \"end\": 485.367, \"score\": 0.83}, {\"word\": \"們\"}, {\"word\": \"有\", \"start\": 485.367, \"end\": 485.747, \"score\": 0.939}, {\"word\": \"處\"}, {\"word\": \"理\", \"start\": 485.747, \"end\": 486.107, \"score\": 0.94}, {\"word\": \"過\"}, {\"word\": \"去\", \"start\": 486.107, \"end\": 486.488, \"score\": 0.999}, {\"word\": \"前\", \"start\": 486.488, \"end\": 486.748, \"score\": 0.897}, {\"word\": \"年\", \"start\": 486.748, \"end\": 487.228, \"score\": 0.935}, {\"word\": \"開\"}, {\"word\": \"始\", \"start\": 487.228, \"end\": 487.468, \"score\": 0.998}, {\"word\": \"因\", \"start\": 487.468, \"end\": 487.928, \"score\": 0.83}, {\"word\": \"為\"}, {\"word\": \"連\"}, {\"word\": \"珍\", \"start\": 487.928, \"end\": 488.069, \"score\": 0.858}, {\"word\": \"是\", \"start\": 488.069, \"end\": 488.569, \"score\": 0.89}, {\"word\": \"會\"}, {\"word\": \"員\"}, {\"word\": \"制\", \"start\": 488.569, \"end\": 489.329, \"score\": 0.989}, {\"word\": \"他\", \"start\": 489.329, \"end\": 489.489, \"score\": 0.946}, {\"word\": \"只\", \"start\": 489.489, \"end\": 489.589, \"score\": 0.828}, {\"word\": \"有\", \"start\": 489.589, \"end\": 489.85, \"score\": 0.919}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 489.85, \"end\": 490.07, \"score\": 0.983}, {\"word\": \"才\", \"start\": 490.07, \"end\": 490.19, \"score\": 0.827}, {\"word\": \"能\", \"start\": 490.19, \"end\": 490.35, \"score\": 0.872}, {\"word\": \"加\", \"start\": 490.35, \"end\": 490.57, \"score\": 0.996}, {\"word\": \"入\", \"start\": 490.57, \"end\": 490.75, \"score\": 0.966}, {\"word\": \"那\", \"start\": 490.75, \"end\": 491.27, \"score\": 0.982}, {\"word\": \"有\", \"start\": 491.27, \"end\": 491.39, \"score\": 0.856}, {\"word\": \"一\", \"start\": 491.39, \"end\": 491.591, \"score\": 0.899}, {\"word\": \"種\"}, {\"word\": \"方\", \"start\": 491.591, \"end\": 491.771, \"score\": 0.999}, {\"word\": \"式\", \"start\": 491.771, \"end\": 491.911, \"score\": 0.906}, {\"word\": \"現\"}, {\"word\": \"在\", \"start\": 491.911, \"end\": 492.131, \"score\": 0.886}, {\"word\": \"就\", \"start\": 492.131, \"end\": 492.271, \"score\": 0.958}, {\"word\": \"是\", \"start\": 492.271, \"end\": 492.631, \"score\": 0.991}, {\"word\": \"像\", \"start\": 492.631, \"end\": 492.811, \"score\": 0.869}, {\"word\": \"那\", \"start\": 492.811, \"end\": 493.772, \"score\": 0.958}, {\"word\": \"種\"}, {\"word\": \"做\", \"start\": 493.772, \"end\": 494.192, \"score\": 0.915}, {\"word\": \"線\"}, {\"word\": \"上\", \"start\": 494.192, \"end\": 494.392, \"score\": 0.998}, {\"word\": \"P\", \"start\": 494.392, \"end\": 494.672, \"score\": 0.854}, {\"word\": \"2\"}, {\"word\": \"P\", \"start\": 494.672, \"end\": 494.772, \"score\": 0.748}, {\"word\": \"的\", \"start\": 494.772, \"end\": 494.893, \"score\": 0.991}, {\"word\": \"公\", \"start\": 494.893, \"end\": 495.153, \"score\": 1.0}, {\"word\": \"司\", \"start\": 495.153, \"end\": 495.333, \"score\": 0.99}, {\"word\": \"我\", \"start\": 495.333, \"end\": 495.913, \"score\": 0.918}, {\"word\": \"們\"}, {\"word\": \"開\"}, {\"word\": \"第\", \"start\": 495.913, \"end\": 496.033, \"score\": 0.975}, {\"word\": \"二\", \"start\": 496.033, \"end\": 496.353, \"score\": 0.919}, {\"word\": \"資\"}, {\"word\": \"料\", \"start\": 496.353, \"end\": 497.254, \"score\": 0.976}, {\"word\": \"庫\"}, {\"word\": \"他\", \"start\": 497.254, \"end\": 497.454, \"score\": 0.967}, {\"word\": \"用\", \"start\": 497.454, \"end\": 498.194, \"score\": 0.94}, {\"word\": \"很\", \"start\": 498.194, \"end\": 498.415, \"score\": 0.981}, {\"word\": \"快\", \"start\": 498.415, \"end\": 498.555, \"score\": 0.98}, {\"word\": \"的\", \"start\": 498.555, \"end\": 498.675, \"score\": 0.997}, {\"word\": \"方\", \"start\": 498.675, \"end\": 498.875, \"score\": 1.0}, {\"word\": \"式\", \"start\": 498.875, \"end\": 498.995, \"score\": 0.994}, {\"word\": \"由\", \"start\": 498.995, \"end\": 499.755, \"score\": 0.918}, {\"word\": \"個\"}, {\"word\": \"人\", \"start\": 499.755, \"end\": 500.876, \"score\": 0.874}, {\"word\": \"去\", \"start\": 500.876, \"end\": 501.796, \"score\": 0.934}, {\"word\": \"申\", \"start\": 501.796, \"end\": 502.017, \"score\": 0.909}, {\"word\": \"請\"}, {\"word\": \"轉\"}, {\"word\": \"借\", \"start\": 502.017, \"end\": 503.197, \"score\": 0.916}, {\"word\": \"給\"}, {\"word\": \"轉\"}, {\"word\": \"交\", \"start\": 503.197, \"end\": 503.778, \"score\": 0.963}, {\"word\": \"給\"}, {\"word\": \"他\", \"start\": 503.778, \"end\": 503.898, \"score\": 0.948}, {\"word\": \"很\", \"start\": 503.898, \"end\": 503.998, \"score\": 0.954}, {\"word\": \"快\", \"start\": 503.998, \"end\": 504.098, \"score\": 0.984}, {\"word\": \"的\", \"start\": 504.098, \"end\": 504.158, \"score\": 0.666}, {\"word\": \"方\", \"start\": 504.158, \"end\": 504.278, \"score\": 0.991}, {\"word\": \"式\", \"start\": 504.278, \"end\": 504.378, \"score\": 0.8}, {\"word\": \"取\", \"start\": 504.378, \"end\": 504.538, \"score\": 0.994}, {\"word\": \"得\", \"start\": 504.538, \"end\": 504.678, \"score\": 0.861}, {\"word\": \"你\", \"start\": 504.678, \"end\": 504.778, \"score\": 0.859}, {\"word\": \"的\", \"start\": 504.778, \"end\": 504.898, \"score\": 0.997}, {\"word\": \"c\", \"start\": 504.898, \"end\": 505.018, \"score\": 0.833}, {\"word\": \"r\", \"start\": 505.018, \"end\": 505.098, \"score\": 0.747}, {\"word\": \"e\", \"start\": 505.098, \"end\": 505.218, \"score\": 0.829}, {\"word\": \"d\", \"start\": 505.218, \"end\": 505.359, \"score\": 0.855}, {\"word\": \"i\", \"start\": 505.359, \"end\": 505.999, \"score\": 0.966}, {\"word\": \"t\", \"start\": 505.999, \"end\": 506.059, \"score\": 0.666}, {\"word\": \"r\", \"start\": 506.059, \"end\": 506.099, \"score\": 0.498}, {\"word\": \"e\", \"start\": 506.099, \"end\": 506.319, \"score\": 0.906}, {\"word\": \"p\", \"start\": 506.319, \"end\": 506.459, \"score\": 0.852}, {\"word\": \"o\", \"start\": 506.459, \"end\": 506.659, \"score\": 0.855}, {\"word\": \"r\", \"start\": 506.659, \"end\": 506.959, \"score\": 0.931}, {\"word\": \"t\", \"start\": 506.959, \"end\": 507.26, \"score\": 0.933}, {\"word\": \"然\", \"start\": 507.26, \"end\": 507.46, \"score\": 0.899}, {\"word\": \"後\", \"start\": 507.46, \"end\": 508.08, \"score\": 0.931}, {\"word\": \"交\", \"start\": 508.08, \"end\": 508.56, \"score\": 0.86}, {\"word\": \"給\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"公\", \"start\": 508.56, \"end\": 508.801, \"score\": 0.974}, {\"word\": \"司\", \"start\": 508.801, \"end\": 509.161, \"score\": 0.972}, {\"word\": \"也\", \"start\": 509.161, \"end\": 509.321, \"score\": 0.882}, {\"word\": \"是\", \"start\": 509.321, \"end\": 509.441, \"score\": 0.877}, {\"word\": \"一\", \"start\": 509.441, \"end\": 509.741, \"score\": 0.93}, {\"word\": \"種\"}, {\"word\": \"方\", \"start\": 509.741, \"end\": 509.941, \"score\": 1.0}, {\"word\": \"式\", \"start\": 509.941, \"end\": 510.321, \"score\": 0.994}, {\"word\": \"不\", \"start\": 510.321, \"end\": 510.461, \"score\": 0.99}, {\"word\": \"直\", \"start\": 510.461, \"end\": 510.602, \"score\": 0.911}, {\"word\": \"接\", \"start\": 510.602, \"end\": 510.842, \"score\": 0.918}, {\"word\": \"取\", \"start\": 510.842, \"end\": 511.042, \"score\": 0.994}, {\"word\": \"得\", \"start\": 511.042, \"end\": 511.162, \"score\": 0.977}, {\"word\": \"但\", \"start\": 511.162, \"end\": 511.342, \"score\": 0.887}, {\"word\": \"是\", \"start\": 511.342, \"end\": 511.462, \"score\": 0.851}, {\"word\": \"由\", \"start\": 511.462, \"end\": 512.082, \"score\": 0.96}, {\"word\": \"個\"}, {\"word\": \"人\", \"start\": 512.082, \"end\": 512.283, \"score\": 0.996}, {\"word\": \"去\", \"start\": 512.283, \"end\": 512.483, \"score\": 0.996}, {\"word\": \"取\", \"start\": 512.483, \"end\": 512.663, \"score\": 0.97}, {\"word\": \"得\", \"start\": 512.663, \"end\": 512.683, \"score\": 0.988}]}, {\"start\": 513.363, \"end\": 526.17, \"text\": \"這個你們去設計嘛就是說我是希望說這一個連徵這個有關信用記錄這方面你們也要做處理啊就是說你不能跟我講說那會員不是會員銀行才是會員才可以加入啊\", \"words\": [{\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"你\", \"start\": 513.363, \"end\": 513.903, \"score\": 0.835}, {\"word\": \"們\"}, {\"word\": \"去\", \"start\": 513.903, \"end\": 514.044, \"score\": 0.849}, {\"word\": \"設\"}, {\"word\": \"計\"}, {\"word\": \"嘛\", \"start\": 514.044, \"end\": 514.764, \"score\": 0.976}, {\"word\": \"就\", \"start\": 514.764, \"end\": 514.904, \"score\": 0.891}, {\"word\": \"是\", \"start\": 514.904, \"end\": 515.204, \"score\": 0.889}, {\"word\": \"說\"}, {\"word\": \"我\", \"start\": 515.204, \"end\": 515.324, \"score\": 0.999}, {\"word\": \"是\", \"start\": 515.324, \"end\": 515.464, \"score\": 0.86}, {\"word\": \"希\", \"start\": 515.464, \"end\": 515.544, \"score\": 0.903}, {\"word\": \"望\", \"start\": 515.544, \"end\": 516.085, \"score\": 0.931}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"一\", \"start\": 516.085, \"end\": 517.986, \"score\": 0.958}, {\"word\": \"個\"}, {\"word\": \"連\"}, {\"word\": \"徵\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"有\", \"start\": 517.986, \"end\": 518.526, \"score\": 0.887}, {\"word\": \"關\"}, {\"word\": \"信\", \"start\": 518.526, \"end\": 518.726, \"score\": 1.0}, {\"word\": \"用\", \"start\": 518.726, \"end\": 520.267, \"score\": 0.934}, {\"word\": \"記\"}, {\"word\": \"錄\"}, {\"word\": \"這\"}, {\"word\": \"方\", \"start\": 520.267, \"end\": 520.407, \"score\": 0.986}, {\"word\": \"面\", \"start\": 520.407, \"end\": 520.987, \"score\": 0.994}, {\"word\": \"你\", \"start\": 520.987, \"end\": 521.167, \"score\": 0.871}, {\"word\": \"們\"}, {\"word\": \"也\", \"start\": 521.167, \"end\": 521.187, \"score\": 0.004}, {\"word\": \"要\", \"start\": 521.187, \"end\": 521.367, \"score\": 0.93}, {\"word\": \"做\", \"start\": 521.367, \"end\": 521.667, \"score\": 0.916}, {\"word\": \"處\"}, {\"word\": \"理\", \"start\": 521.667, \"end\": 521.767, \"score\": 0.988}, {\"word\": \"啊\", \"start\": 521.767, \"end\": 522.228, \"score\": 0.968}, {\"word\": \"就\", \"start\": 522.228, \"end\": 522.388, \"score\": 0.872}, {\"word\": \"是\", \"start\": 522.388, \"end\": 522.708, \"score\": 0.926}, {\"word\": \"說\"}, {\"word\": \"你\", \"start\": 522.708, \"end\": 522.788, \"score\": 0.987}, {\"word\": \"不\", \"start\": 522.788, \"end\": 522.868, \"score\": 0.93}, {\"word\": \"能\", \"start\": 522.868, \"end\": 522.948, \"score\": 0.756}, {\"word\": \"跟\", \"start\": 522.948, \"end\": 523.028, \"score\": 0.843}, {\"word\": \"我\", \"start\": 523.028, \"end\": 524.249, \"score\": 0.856}, {\"word\": \"講\"}, {\"word\": \"說\"}, {\"word\": \"那\", \"start\": 524.249, \"end\": 524.389, \"score\": 0.857}, {\"word\": \"會\"}, {\"word\": \"員\"}, {\"word\": \"不\", \"start\": 524.389, \"end\": 524.489, \"score\": 0.998}, {\"word\": \"是\", \"start\": 524.489, \"end\": 524.949, \"score\": 0.824}, {\"word\": \"會\"}, {\"word\": \"員\"}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 524.949, \"end\": 525.089, \"score\": 0.891}, {\"word\": \"才\", \"start\": 525.089, \"end\": 525.209, \"score\": 0.944}, {\"word\": \"是\", \"start\": 525.209, \"end\": 525.449, \"score\": 0.828}, {\"word\": \"會\"}, {\"word\": \"員\"}, {\"word\": \"才\", \"start\": 525.449, \"end\": 525.569, \"score\": 0.827}, {\"word\": \"可\", \"start\": 525.569, \"end\": 525.67, \"score\": 0.801}, {\"word\": \"以\", \"start\": 525.67, \"end\": 525.79, \"score\": 0.833}, {\"word\": \"加\", \"start\": 525.79, \"end\": 525.99, \"score\": 0.984}, {\"word\": \"入\", \"start\": 525.99, \"end\": 526.15, \"score\": 0.87}, {\"word\": \"啊\", \"start\": 526.15, \"end\": 526.17, \"score\": 0.208}]}, {\"start\": 527.965, \"end\": 543.792, \"text\": \"我的想法就是說你要去看說那個人借貸的信錄那個信用到底是怎麼樣那如果不好的話你不應該一直在借他那當然說租賃公司要賺錢那可是對那個人來講他可能這個沒有任何的限制的情況之下可能越借越多啊越欠越多啊\", \"words\": [{\"word\": \"我\", \"start\": 527.965, \"end\": 528.125, \"score\": 0.834}, {\"word\": \"的\", \"start\": 528.125, \"end\": 528.265, \"score\": 0.994}, {\"word\": \"想\", \"start\": 528.265, \"end\": 528.466, \"score\": 0.995}, {\"word\": \"法\", \"start\": 528.466, \"end\": 528.586, \"score\": 0.996}, {\"word\": \"就\", \"start\": 528.586, \"end\": 528.846, \"score\": 0.898}, {\"word\": \"是\", \"start\": 528.846, \"end\": 529.006, \"score\": 0.875}, {\"word\": \"說\"}, {\"word\": \"你\", \"start\": 529.006, \"end\": 529.106, \"score\": 0.909}, {\"word\": \"要\", \"start\": 529.106, \"end\": 529.286, \"score\": 0.997}, {\"word\": \"去\", \"start\": 529.286, \"end\": 529.786, \"score\": 0.997}, {\"word\": \"看\", \"start\": 529.786, \"end\": 530.066, \"score\": 0.927}, {\"word\": \"說\"}, {\"word\": \"那\", \"start\": 530.066, \"end\": 530.266, \"score\": 0.899}, {\"word\": \"個\"}, {\"word\": \"人\", \"start\": 530.266, \"end\": 530.386, \"score\": 0.998}, {\"word\": \"借\", \"start\": 530.386, \"end\": 530.506, \"score\": 0.868}, {\"word\": \"貸\"}, {\"word\": \"的\", \"start\": 530.506, \"end\": 530.706, \"score\": 0.898}, {\"word\": \"信\", \"start\": 530.706, \"end\": 530.867, \"score\": 0.986}, {\"word\": \"錄\"}, {\"word\": \"那\", \"start\": 530.867, \"end\": 531.767, \"score\": 0.913}, {\"word\": \"個\"}, {\"word\": \"信\", \"start\": 531.767, \"end\": 531.927, \"score\": 0.996}, {\"word\": \"用\", \"start\": 531.927, \"end\": 532.047, \"score\": 0.998}, {\"word\": \"到\", \"start\": 532.047, \"end\": 532.167, \"score\": 0.947}, {\"word\": \"底\", \"start\": 532.167, \"end\": 532.287, \"score\": 0.837}, {\"word\": \"是\", \"start\": 532.287, \"end\": 532.407, \"score\": 0.851}, {\"word\": \"怎\", \"start\": 532.407, \"end\": 533.067, \"score\": 0.923}, {\"word\": \"麼\"}, {\"word\": \"樣\"}, {\"word\": \"那\", \"start\": 533.067, \"end\": 533.167, \"score\": 0.997}, {\"word\": \"如\", \"start\": 533.167, \"end\": 533.248, \"score\": 0.755}, {\"word\": \"果\", \"start\": 533.248, \"end\": 533.368, \"score\": 0.789}, {\"word\": \"不\", \"start\": 533.368, \"end\": 533.488, \"score\": 0.958}, {\"word\": \"好\", \"start\": 533.488, \"end\": 533.588, \"score\": 0.998}, {\"word\": \"的\", \"start\": 533.588, \"end\": 533.768, \"score\": 0.851}, {\"word\": \"話\"}, {\"word\": \"你\", \"start\": 533.768, \"end\": 533.908, \"score\": 0.866}, {\"word\": \"不\", \"start\": 533.908, \"end\": 534.428, \"score\": 0.884}, {\"word\": \"應\"}, {\"word\": \"該\"}, {\"word\": \"一\", \"start\": 534.428, \"end\": 534.568, \"score\": 0.863}, {\"word\": \"直\", \"start\": 534.568, \"end\": 534.688, \"score\": 0.822}, {\"word\": \"在\", \"start\": 534.688, \"end\": 534.868, \"score\": 0.835}, {\"word\": \"借\", \"start\": 534.868, \"end\": 535.048, \"score\": 0.931}, {\"word\": \"他\", \"start\": 535.048, \"end\": 535.789, \"score\": 0.997}, {\"word\": \"那\", \"start\": 535.789, \"end\": 536.049, \"score\": 0.915}, {\"word\": \"當\"}, {\"word\": \"然\", \"start\": 536.049, \"end\": 536.269, \"score\": 0.818}, {\"word\": \"說\"}, {\"word\": \"租\", \"start\": 536.269, \"end\": 536.449, \"score\": 0.781}, {\"word\": \"賃\"}, {\"word\": \"公\", \"start\": 536.449, \"end\": 536.609, \"score\": 0.936}, {\"word\": \"司\", \"start\": 536.609, \"end\": 536.689, \"score\": 0.751}, {\"word\": \"要\", \"start\": 536.689, \"end\": 536.829, \"score\": 0.997}, {\"word\": \"賺\"}, {\"word\": \"錢\"}, {\"word\": \"那\", \"start\": 536.829, \"end\": 537.769, \"score\": 0.946}, {\"word\": \"可\", \"start\": 537.769, \"end\": 537.889, \"score\": 0.986}, {\"word\": \"是\", \"start\": 537.889, \"end\": 538.15, \"score\": 0.817}, {\"word\": \"對\"}, {\"word\": \"那\", \"start\": 538.15, \"end\": 538.37, \"score\": 0.888}, {\"word\": \"個\"}, {\"word\": \"人\", \"start\": 538.37, \"end\": 539.07, \"score\": 0.937}, {\"word\": \"來\"}, {\"word\": \"講\"}, {\"word\": \"他\", \"start\": 539.07, \"end\": 539.23, \"score\": 0.914}, {\"word\": \"可\", \"start\": 539.23, \"end\": 539.33, \"score\": 0.864}, {\"word\": \"能\", \"start\": 539.33, \"end\": 540.09, \"score\": 0.948}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"沒\", \"start\": 540.09, \"end\": 540.51, \"score\": 0.855}, {\"word\": \"有\", \"start\": 540.51, \"end\": 540.631, \"score\": 0.999}, {\"word\": \"任\", \"start\": 540.631, \"end\": 540.771, \"score\": 0.853}, {\"word\": \"何\", \"start\": 540.771, \"end\": 540.891, \"score\": 0.938}, {\"word\": \"的\", \"start\": 540.891, \"end\": 540.991, \"score\": 0.883}, {\"word\": \"限\", \"start\": 540.991, \"end\": 541.151, \"score\": 0.983}, {\"word\": \"制\", \"start\": 541.151, \"end\": 541.251, \"score\": 0.761}, {\"word\": \"的\", \"start\": 541.251, \"end\": 541.351, \"score\": 0.995}, {\"word\": \"情\", \"start\": 541.351, \"end\": 541.611, \"score\": 0.922}, {\"word\": \"況\"}, {\"word\": \"之\", \"start\": 541.611, \"end\": 541.771, \"score\": 0.874}, {\"word\": \"下\", \"start\": 541.771, \"end\": 542.151, \"score\": 0.995}, {\"word\": \"可\", \"start\": 542.151, \"end\": 542.231, \"score\": 0.904}, {\"word\": \"能\", \"start\": 542.231, \"end\": 542.251, \"score\": 0.0}, {\"word\": \"越\", \"start\": 542.251, \"end\": 542.411, \"score\": 0.967}, {\"word\": \"借\", \"start\": 542.411, \"end\": 542.531, \"score\": 0.828}, {\"word\": \"越\", \"start\": 542.531, \"end\": 542.671, \"score\": 0.864}, {\"word\": \"多\", \"start\": 542.671, \"end\": 542.811, \"score\": 0.998}, {\"word\": \"啊\", \"start\": 542.811, \"end\": 543.112, \"score\": 0.929}, {\"word\": \"越\", \"start\": 543.112, \"end\": 543.252, \"score\": 0.843}, {\"word\": \"欠\", \"start\": 543.252, \"end\": 543.432, \"score\": 0.75}, {\"word\": \"越\", \"start\": 543.432, \"end\": 543.592, \"score\": 0.885}, {\"word\": \"多\", \"start\": 543.592, \"end\": 543.772, \"score\": 0.996}, {\"word\": \"啊\", \"start\": 543.772, \"end\": 543.792, \"score\": 0.028}]}, {\"start\": 546.275, \"end\": 574.634, \"text\": \"委員我想您垂訊的地方我們會去努力跟公會銀行公會跟那個廉政中心那邊去這個你們要去處理我覺得你們要去處理好不好就有關這個信用廉政這部分可不可以去處理其實也要看租用公司自己本身的想法我想我們可以去研究你們看他的想法一定是說不用的啊維持現狀是最好的啊但我們就是因為有問題今天才請你們來做報告啊對不對\", \"words\": [{\"word\": \"委\", \"start\": 546.275, \"end\": 546.415, \"score\": 0.855}, {\"word\": \"員\"}, {\"word\": \"我\", \"start\": 546.415, \"end\": 546.635, \"score\": 0.851}, {\"word\": \"想\", \"start\": 546.635, \"end\": 546.855, \"score\": 0.918}, {\"word\": \"您\", \"start\": 546.855, \"end\": 547.296, \"score\": 0.971}, {\"word\": \"垂\", \"start\": 547.296, \"end\": 547.636, \"score\": 0.909}, {\"word\": \"訊\"}, {\"word\": \"的\", \"start\": 547.636, \"end\": 547.736, \"score\": 0.9}, {\"word\": \"地\", \"start\": 547.736, \"end\": 547.876, \"score\": 1.0}, {\"word\": \"方\", \"start\": 547.876, \"end\": 548.096, \"score\": 1.0}, {\"word\": \"我\", \"start\": 548.096, \"end\": 548.897, \"score\": 0.948}, {\"word\": \"們\"}, {\"word\": \"會\"}, {\"word\": \"去\", \"start\": 548.897, \"end\": 549.437, \"score\": 0.96}, {\"word\": \"努\", \"start\": 549.437, \"end\": 549.617, \"score\": 0.999}, {\"word\": \"力\", \"start\": 549.617, \"end\": 549.757, \"score\": 0.987}, {\"word\": \"跟\", \"start\": 549.757, \"end\": 549.998, \"score\": 0.965}, {\"word\": \"公\", \"start\": 549.998, \"end\": 550.438, \"score\": 0.87}, {\"word\": \"會\"}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 550.438, \"end\": 550.618, \"score\": 0.991}, {\"word\": \"公\", \"start\": 550.618, \"end\": 551.078, \"score\": 0.898}, {\"word\": \"會\"}, {\"word\": \"跟\", \"start\": 551.078, \"end\": 551.218, \"score\": 0.873}, {\"word\": \"那\", \"start\": 551.218, \"end\": 551.379, \"score\": 0.868}, {\"word\": \"個\"}, {\"word\": \"廉\", \"start\": 551.379, \"end\": 551.579, \"score\": 0.901}, {\"word\": \"政\", \"start\": 551.579, \"end\": 551.759, \"score\": 0.888}, {\"word\": \"中\", \"start\": 551.759, \"end\": 551.919, \"score\": 0.974}, {\"word\": \"心\", \"start\": 551.919, \"end\": 552.099, \"score\": 0.98}, {\"word\": \"那\", \"start\": 552.099, \"end\": 552.419, \"score\": 0.878}, {\"word\": \"邊\"}, {\"word\": \"去\", \"start\": 552.419, \"end\": 553.62, \"score\": 0.938}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"你\", \"start\": 553.62, \"end\": 553.92, \"score\": 0.925}, {\"word\": \"們\"}, {\"word\": \"要\", \"start\": 553.92, \"end\": 554.1, \"score\": 0.999}, {\"word\": \"去\", \"start\": 554.1, \"end\": 554.461, \"score\": 0.928}, {\"word\": \"處\"}, {\"word\": \"理\", \"start\": 554.461, \"end\": 555.081, \"score\": 1.0}, {\"word\": \"我\", \"start\": 555.081, \"end\": 555.321, \"score\": 0.917}, {\"word\": \"覺\"}, {\"word\": \"得\", \"start\": 555.321, \"end\": 555.461, \"score\": 0.857}, {\"word\": \"你\", \"start\": 555.461, \"end\": 555.641, \"score\": 0.887}, {\"word\": \"們\"}, {\"word\": \"要\", \"start\": 555.641, \"end\": 555.762, \"score\": 1.0}, {\"word\": \"去\", \"start\": 555.762, \"end\": 556.082, \"score\": 0.875}, {\"word\": \"處\"}, {\"word\": \"理\", \"start\": 556.082, \"end\": 556.622, \"score\": 1.0}, {\"word\": \"好\", \"start\": 556.622, \"end\": 556.722, \"score\": 0.998}, {\"word\": \"不\", \"start\": 556.722, \"end\": 556.842, \"score\": 0.966}, {\"word\": \"好\", \"start\": 556.842, \"end\": 557.343, \"score\": 0.999}, {\"word\": \"就\", \"start\": 557.343, \"end\": 557.403, \"score\": 0.986}, {\"word\": \"有\", \"start\": 557.403, \"end\": 558.163, \"score\": 0.872}, {\"word\": \"關\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"信\", \"start\": 558.163, \"end\": 558.323, \"score\": 0.994}, {\"word\": \"用\", \"start\": 558.323, \"end\": 558.463, \"score\": 0.93}, {\"word\": \"廉\", \"start\": 558.463, \"end\": 558.644, \"score\": 0.89}, {\"word\": \"政\", \"start\": 558.644, \"end\": 558.944, \"score\": 0.868}, {\"word\": \"這\"}, {\"word\": \"部\", \"start\": 558.944, \"end\": 559.104, \"score\": 1.0}, {\"word\": \"分\", \"start\": 559.104, \"end\": 559.784, \"score\": 0.995}, {\"word\": \"可\", \"start\": 559.784, \"end\": 559.884, \"score\": 0.886}, {\"word\": \"不\", \"start\": 559.884, \"end\": 559.964, \"score\": 0.758}, {\"word\": \"可\", \"start\": 559.964, \"end\": 559.984, \"score\": 0.0}, {\"word\": \"以\", \"start\": 559.984, \"end\": 560.024, \"score\": 0.5}, {\"word\": \"去\", \"start\": 560.024, \"end\": 560.325, \"score\": 0.892}, {\"word\": \"處\"}, {\"word\": \"理\", \"start\": 560.325, \"end\": 562.226, \"score\": 0.998}, {\"word\": \"其\", \"start\": 562.226, \"end\": 562.826, \"score\": 0.959}, {\"word\": \"實\"}, {\"word\": \"也\", \"start\": 562.826, \"end\": 562.966, \"score\": 0.857}, {\"word\": \"要\", \"start\": 562.966, \"end\": 563.207, \"score\": 1.0}, {\"word\": \"看\", \"start\": 563.207, \"end\": 564.227, \"score\": 0.98}, {\"word\": \"租\", \"start\": 564.227, \"end\": 564.387, \"score\": 0.875}, {\"word\": \"用\", \"start\": 564.387, \"end\": 564.568, \"score\": 0.889}, {\"word\": \"公\", \"start\": 564.568, \"end\": 564.748, \"score\": 0.995}, {\"word\": \"司\", \"start\": 564.748, \"end\": 564.928, \"score\": 0.987}, {\"word\": \"自\", \"start\": 564.928, \"end\": 565.048, \"score\": 1.0}, {\"word\": \"己\", \"start\": 565.048, \"end\": 565.228, \"score\": 0.993}, {\"word\": \"本\", \"start\": 565.228, \"end\": 565.428, \"score\": 0.999}, {\"word\": \"身\", \"start\": 565.428, \"end\": 565.688, \"score\": 0.958}, {\"word\": \"的\", \"start\": 565.688, \"end\": 566.149, \"score\": 1.0}, {\"word\": \"想\", \"start\": 566.149, \"end\": 566.409, \"score\": 0.995}, {\"word\": \"法\", \"start\": 566.409, \"end\": 566.569, \"score\": 0.991}, {\"word\": \"我\", \"start\": 566.569, \"end\": 566.669, \"score\": 0.801}, {\"word\": \"想\", \"start\": 566.669, \"end\": 566.829, \"score\": 0.887}, {\"word\": \"我\", \"start\": 566.829, \"end\": 567.029, \"score\": 0.881}, {\"word\": \"們\"}, {\"word\": \"可\", \"start\": 567.029, \"end\": 567.149, \"score\": 0.831}, {\"word\": \"以\", \"start\": 567.149, \"end\": 567.249, \"score\": 0.799}, {\"word\": \"去\", \"start\": 567.249, \"end\": 567.309, \"score\": 0.665}, {\"word\": \"研\", \"start\": 567.309, \"end\": 567.41, \"score\": 0.8}, {\"word\": \"究\", \"start\": 567.41, \"end\": 567.51, \"score\": 0.8}, {\"word\": \"你\", \"start\": 567.51, \"end\": 567.53, \"score\": 0.0}, {\"word\": \"們\"}, {\"word\": \"看\", \"start\": 567.53, \"end\": 567.67, \"score\": 0.864}, {\"word\": \"他\", \"start\": 567.67, \"end\": 567.77, \"score\": 0.8}, {\"word\": \"的\", \"start\": 567.77, \"end\": 567.83, \"score\": 0.666}, {\"word\": \"想\", \"start\": 567.83, \"end\": 567.99, \"score\": 0.895}, {\"word\": \"法\", \"start\": 567.99, \"end\": 568.11, \"score\": 0.969}, {\"word\": \"一\", \"start\": 568.11, \"end\": 568.17, \"score\": 0.666}, {\"word\": \"定\", \"start\": 568.17, \"end\": 568.31, \"score\": 0.857}, {\"word\": \"是\", \"start\": 568.31, \"end\": 568.47, \"score\": 0.875}, {\"word\": \"說\"}, {\"word\": \"不\", \"start\": 568.47, \"end\": 568.57, \"score\": 0.985}, {\"word\": \"用\", \"start\": 568.57, \"end\": 568.75, \"score\": 0.994}, {\"word\": \"的\", \"start\": 568.75, \"end\": 568.871, \"score\": 0.992}, {\"word\": \"啊\", \"start\": 568.871, \"end\": 569.511, \"score\": 0.94}, {\"word\": \"維\"}, {\"word\": \"持\", \"start\": 569.511, \"end\": 569.951, \"score\": 0.865}, {\"word\": \"現\"}, {\"word\": \"狀\"}, {\"word\": \"是\", \"start\": 569.951, \"end\": 570.051, \"score\": 0.802}, {\"word\": \"最\", \"start\": 570.051, \"end\": 570.211, \"score\": 0.99}, {\"word\": \"好\", \"start\": 570.211, \"end\": 570.392, \"score\": 0.998}, {\"word\": \"的\", \"start\": 570.392, \"end\": 570.552, \"score\": 0.876}, {\"word\": \"啊\", \"start\": 570.552, \"end\": 571.332, \"score\": 0.974}, {\"word\": \"但\", \"start\": 571.332, \"end\": 571.592, \"score\": 0.871}, {\"word\": \"我\", \"start\": 571.592, \"end\": 571.793, \"score\": 0.9}, {\"word\": \"們\"}, {\"word\": \"就\", \"start\": 571.793, \"end\": 571.933, \"score\": 0.945}, {\"word\": \"是\", \"start\": 571.933, \"end\": 572.033, \"score\": 0.822}, {\"word\": \"因\", \"start\": 572.033, \"end\": 572.233, \"score\": 0.818}, {\"word\": \"為\"}, {\"word\": \"有\", \"start\": 572.233, \"end\": 572.353, \"score\": 0.998}, {\"word\": \"問\"}, {\"word\": \"題\"}, {\"word\": \"今\", \"start\": 572.353, \"end\": 572.693, \"score\": 0.882}, {\"word\": \"天\", \"start\": 572.693, \"end\": 572.873, \"score\": 0.888}, {\"word\": \"才\", \"start\": 572.873, \"end\": 573.153, \"score\": 0.863}, {\"word\": \"請\"}, {\"word\": \"你\", \"start\": 573.153, \"end\": 573.494, \"score\": 0.88}, {\"word\": \"們\"}, {\"word\": \"來\"}, {\"word\": \"做\", \"start\": 573.494, \"end\": 573.834, \"score\": 0.937}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 573.834, \"end\": 574.034, \"score\": 0.985}, {\"word\": \"啊\", \"start\": 574.034, \"end\": 574.614, \"score\": 0.967}, {\"word\": \"對\"}, {\"word\": \"不\", \"start\": 574.614, \"end\": 574.634, \"score\": 0.0}, {\"word\": \"對\"}]}, {\"start\": 576.42, \"end\": 579.702, \"text\": \"這個你們要想出一個對象出來好不好?你們要去突破 這個是一個問題所在那再請問一下我們現在這個八大關國行庫這個對於融資公司的貸款有1300多億然後呢再加上呢這個還有購買這個三家主任公司的公司債呢200多億所以呢\", \"words\": [{\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"你\", \"start\": 576.42, \"end\": 576.6, \"score\": 0.783}, {\"word\": \"們\"}, {\"word\": \"要\", \"start\": 576.6, \"end\": 576.7, \"score\": 0.912}, {\"word\": \"想\", \"start\": 576.7, \"end\": 576.92, \"score\": 0.942}, {\"word\": \"出\", \"start\": 576.92, \"end\": 577.0, \"score\": 0.779}, {\"word\": \"一\", \"start\": 577.0, \"end\": 577.02, \"score\": 0.445}, {\"word\": \"個\"}, {\"word\": \"對\"}, {\"word\": \"象\", \"start\": 577.02, \"end\": 577.04, \"score\": 0.0}, {\"word\": \"出\", \"start\": 577.04, \"end\": 577.08, \"score\": 0.496}, {\"word\": \"來\"}, {\"word\": \"好\", \"start\": 577.08, \"end\": 577.1, \"score\": 0.0}, {\"word\": \"不\", \"start\": 577.1, \"end\": 577.16, \"score\": 0.488}, {\"word\": \"好\", \"start\": 577.16, \"end\": 577.18, \"score\": 0.0}, {\"word\": \"?\"}, {\"word\": \"你\", \"start\": 577.18, \"end\": 577.26, \"score\": 0.749}, {\"word\": \"們\"}, {\"word\": \"要\", \"start\": 577.26, \"end\": 577.28, \"score\": 0.0}, {\"word\": \"去\", \"start\": 577.28, \"end\": 577.3, \"score\": 0.0}, {\"word\": \"突\", \"start\": 577.3, \"end\": 577.4, \"score\": 0.797}, {\"word\": \"破\", \"start\": 577.4, \"end\": 577.42, \"score\": 0.0}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"是\", \"start\": 577.42, \"end\": 577.44, \"score\": 0.0}, {\"word\": \"一\", \"start\": 577.44, \"end\": 577.481, \"score\": 0.312}, {\"word\": \"個\"}, {\"word\": \"問\"}, {\"word\": \"題\"}, {\"word\": \"所\", \"start\": 577.481, \"end\": 577.501, \"score\": 0.0}, {\"word\": \"在\", \"start\": 577.501, \"end\": 577.581, \"score\": 0.75}, {\"word\": \"那\", \"start\": 577.581, \"end\": 577.601, \"score\": 0.0}, {\"word\": \"再\", \"start\": 577.601, \"end\": 577.661, \"score\": 0.666}, {\"word\": \"請\"}, {\"word\": \"問\"}, {\"word\": \"一\", \"start\": 577.661, \"end\": 577.681, \"score\": 0.0}, {\"word\": \"下\", \"start\": 577.681, \"end\": 577.701, \"score\": 0.0}, {\"word\": \"我\", \"start\": 577.701, \"end\": 577.721, \"score\": 0.0}, {\"word\": \"們\"}, {\"word\": \"現\"}, {\"word\": \"在\", \"start\": 577.721, \"end\": 577.801, \"score\": 0.738}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"八\", \"start\": 577.801, \"end\": 577.901, \"score\": 0.8}, {\"word\": \"大\", \"start\": 577.901, \"end\": 577.941, \"score\": 0.498}, {\"word\": \"關\"}, {\"word\": \"國\"}, {\"word\": \"行\", \"start\": 577.941, \"end\": 578.021, \"score\": 0.74}, {\"word\": \"庫\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"對\"}, {\"word\": \"於\", \"start\": 578.021, \"end\": 578.041, \"score\": 0.0}, {\"word\": \"融\", \"start\": 578.041, \"end\": 578.341, \"score\": 0.93}, {\"word\": \"資\"}, {\"word\": \"公\", \"start\": 578.341, \"end\": 578.421, \"score\": 0.75}, {\"word\": \"司\", \"start\": 578.421, \"end\": 578.441, \"score\": 0.0}, {\"word\": \"的\", \"start\": 578.441, \"end\": 578.461, \"score\": 0.0}, {\"word\": \"貸\"}, {\"word\": \"款\", \"start\": 578.461, \"end\": 578.561, \"score\": 0.799}, {\"word\": \"有\", \"start\": 578.561, \"end\": 578.581, \"score\": 0.0}, {\"word\": \"1\"}, {\"word\": \"3\"}, {\"word\": \"0\"}, {\"word\": \"0\"}, {\"word\": \"多\", \"start\": 578.581, \"end\": 578.601, \"score\": 0.0}, {\"word\": \"億\"}, {\"word\": \"然\", \"start\": 578.601, \"end\": 578.642, \"score\": 0.496}, {\"word\": \"後\", \"start\": 578.642, \"end\": 578.782, \"score\": 0.852}, {\"word\": \"呢\", \"start\": 578.782, \"end\": 578.802, \"score\": 0.0}, {\"word\": \"再\", \"start\": 578.802, \"end\": 578.922, \"score\": 0.831}, {\"word\": \"加\", \"start\": 578.922, \"end\": 578.962, \"score\": 0.128}, {\"word\": \"上\", \"start\": 578.962, \"end\": 578.982, \"score\": 0.0}, {\"word\": \"呢\", \"start\": 578.982, \"end\": 579.122, \"score\": 0.856}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"還\"}, {\"word\": \"有\", \"start\": 579.122, \"end\": 579.162, \"score\": 0.478}, {\"word\": \"購\"}, {\"word\": \"買\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"三\", \"start\": 579.162, \"end\": 579.182, \"score\": 0.0}, {\"word\": \"家\", \"start\": 579.182, \"end\": 579.282, \"score\": 0.799}, {\"word\": \"主\", \"start\": 579.282, \"end\": 579.322, \"score\": 0.473}, {\"word\": \"任\", \"start\": 579.322, \"end\": 579.342, \"score\": 0.0}, {\"word\": \"公\", \"start\": 579.342, \"end\": 579.362, \"score\": 0.001}, {\"word\": \"司\", \"start\": 579.362, \"end\": 579.422, \"score\": 0.665}, {\"word\": \"的\", \"start\": 579.422, \"end\": 579.482, \"score\": 0.664}, {\"word\": \"公\", \"start\": 579.482, \"end\": 579.502, \"score\": 0.0}, {\"word\": \"司\", \"start\": 579.502, \"end\": 579.522, \"score\": 0.0}, {\"word\": \"債\"}, {\"word\": \"呢\", \"start\": 579.522, \"end\": 579.542, \"score\": 0.0}, {\"word\": \"2\"}, {\"word\": \"0\"}, {\"word\": \"0\"}, {\"word\": \"多\", \"start\": 579.542, \"end\": 579.622, \"score\": 0.749}, {\"word\": \"億\"}, {\"word\": \"所\", \"start\": 579.622, \"end\": 579.642, \"score\": 0.0}, {\"word\": \"以\", \"start\": 579.642, \"end\": 579.682, \"score\": 0.498}, {\"word\": \"呢\", \"start\": 579.682, \"end\": 579.702, \"score\": 0.0}]}, {\"start\": 602.463, \"end\": 618.862, \"text\": \"總共這個從這個融資公司呢從八大行庫呢至少齁搬了快1500億左右啦齁那請問一下這個融資公司呢跟這個公股銀行呢這個融資齁然後呢再把這個錢呢再借貸出去啊中間有沒有利差\", \"words\": [{\"word\": \"總\"}, {\"word\": \"共\", \"start\": 602.463, \"end\": 603.604, \"score\": 0.91}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"從\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"融\", \"start\": 603.604, \"end\": 603.904, \"score\": 0.866}, {\"word\": \"資\"}, {\"word\": \"公\", \"start\": 603.904, \"end\": 604.105, \"score\": 1.0}, {\"word\": \"司\", \"start\": 604.105, \"end\": 604.245, \"score\": 0.962}, {\"word\": \"呢\", \"start\": 604.245, \"end\": 604.665, \"score\": 0.952}, {\"word\": \"從\"}, {\"word\": \"八\", \"start\": 604.665, \"end\": 604.785, \"score\": 0.917}, {\"word\": \"大\", \"start\": 604.785, \"end\": 604.905, \"score\": 0.878}, {\"word\": \"行\", \"start\": 604.905, \"end\": 605.266, \"score\": 0.886}, {\"word\": \"庫\"}, {\"word\": \"呢\", \"start\": 605.266, \"end\": 605.847, \"score\": 0.996}, {\"word\": \"至\", \"start\": 605.847, \"end\": 606.047, \"score\": 0.901}, {\"word\": \"少\", \"start\": 606.047, \"end\": 606.768, \"score\": 0.947}, {\"word\": \"齁\"}, {\"word\": \"搬\", \"start\": 606.768, \"end\": 606.928, \"score\": 0.877}, {\"word\": \"了\", \"start\": 606.928, \"end\": 607.228, \"score\": 0.994}, {\"word\": \"快\", \"start\": 607.228, \"end\": 608.069, \"score\": 0.876}, {\"word\": \"1\"}, {\"word\": \"5\"}, {\"word\": \"0\"}, {\"word\": \"0\"}, {\"word\": \"億\"}, {\"word\": \"左\", \"start\": 608.069, \"end\": 608.39, \"score\": 0.878}, {\"word\": \"右\", \"start\": 608.39, \"end\": 608.53, \"score\": 0.841}, {\"word\": \"啦\", \"start\": 608.53, \"end\": 609.131, \"score\": 0.901}, {\"word\": \"齁\"}, {\"word\": \"那\", \"start\": 609.131, \"end\": 609.511, \"score\": 0.886}, {\"word\": \"請\"}, {\"word\": \"問\"}, {\"word\": \"一\", \"start\": 609.511, \"end\": 609.631, \"score\": 0.943}, {\"word\": \"下\", \"start\": 609.631, \"end\": 610.412, \"score\": 0.945}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"融\", \"start\": 610.412, \"end\": 610.713, \"score\": 0.866}, {\"word\": \"資\"}, {\"word\": \"公\", \"start\": 610.713, \"end\": 610.933, \"score\": 0.999}, {\"word\": \"司\", \"start\": 610.933, \"end\": 611.093, \"score\": 0.964}, {\"word\": \"呢\", \"start\": 611.093, \"end\": 611.834, \"score\": 1.0}, {\"word\": \"跟\", \"start\": 611.834, \"end\": 612.595, \"score\": 0.946}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"公\", \"start\": 612.595, \"end\": 612.775, \"score\": 0.987}, {\"word\": \"股\", \"start\": 612.775, \"end\": 613.015, \"score\": 0.888}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 613.015, \"end\": 613.196, \"score\": 0.995}, {\"word\": \"呢\", \"start\": 613.196, \"end\": 614.437, \"score\": 0.955}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"融\", \"start\": 614.437, \"end\": 615.518, \"score\": 0.957}, {\"word\": \"資\"}, {\"word\": \"齁\"}, {\"word\": \"然\", \"start\": 615.518, \"end\": 615.659, \"score\": 0.858}, {\"word\": \"後\", \"start\": 615.659, \"end\": 615.779, \"score\": 0.818}, {\"word\": \"呢\", \"start\": 615.779, \"end\": 615.959, \"score\": 0.929}, {\"word\": \"再\", \"start\": 615.959, \"end\": 616.079, \"score\": 0.978}, {\"word\": \"把\", \"start\": 616.079, \"end\": 616.62, \"score\": 0.884}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"錢\"}, {\"word\": \"呢\", \"start\": 616.62, \"end\": 617.02, \"score\": 0.995}, {\"word\": \"再\", \"start\": 617.02, \"end\": 617.16, \"score\": 0.899}, {\"word\": \"借\", \"start\": 617.16, \"end\": 617.441, \"score\": 0.875}, {\"word\": \"貸\"}, {\"word\": \"出\", \"start\": 617.441, \"end\": 617.621, \"score\": 0.997}, {\"word\": \"去\", \"start\": 617.621, \"end\": 618.142, \"score\": 0.998}, {\"word\": \"啊\", \"start\": 618.142, \"end\": 618.242, \"score\": 0.798}, {\"word\": \"中\", \"start\": 618.242, \"end\": 618.402, \"score\": 0.895}, {\"word\": \"間\"}, {\"word\": \"有\", \"start\": 618.402, \"end\": 618.562, \"score\": 0.851}, {\"word\": \"沒\", \"start\": 618.562, \"end\": 618.642, \"score\": 0.75}, {\"word\": \"有\", \"start\": 618.642, \"end\": 618.702, \"score\": 0.607}, {\"word\": \"利\", \"start\": 618.702, \"end\": 618.842, \"score\": 0.793}, {\"word\": \"差\", \"start\": 618.842, \"end\": 618.862, \"score\": 0.002}]}, {\"start\": 621.935, \"end\": 624.897, \"text\": \"銀行法有相關的這個利率上面的規定嗎?\", \"words\": [{\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 621.935, \"end\": 622.115, \"score\": 0.889}, {\"word\": \"法\", \"start\": 622.115, \"end\": 622.835, \"score\": 0.943}, {\"word\": \"有\", \"start\": 622.835, \"end\": 623.676, \"score\": 0.974}, {\"word\": \"相\", \"start\": 623.676, \"end\": 623.816, \"score\": 0.74}, {\"word\": \"關\"}, {\"word\": \"的\", \"start\": 623.816, \"end\": 623.916, \"score\": 0.803}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"利\", \"start\": 623.916, \"end\": 624.056, \"score\": 0.857}, {\"word\": \"率\", \"start\": 624.056, \"end\": 624.196, \"score\": 0.857}, {\"word\": \"上\", \"start\": 624.196, \"end\": 624.376, \"score\": 0.888}, {\"word\": \"面\", \"start\": 624.376, \"end\": 624.677, \"score\": 0.871}, {\"word\": \"的\", \"start\": 624.677, \"end\": 624.877, \"score\": 0.902}, {\"word\": \"規\"}, {\"word\": \"定\", \"start\": 624.877, \"end\": 624.897, \"score\": 0.0}, {\"word\": \"嗎\"}, {\"word\": \"?\"}]}, {\"start\": 646.511, \"end\": 670.185, \"text\": \"這個我要請教就是說,如果是跟這個主領公司、跟這個公股銀行借錢,我認為啦,還是要有一個限制啦,還是要有一個限制啦。我想那個公股部分我們尊重財政部的決定,但是整體金融機構部分我們會再強化,謝謝。那另外齁,這個有沒有催收的準則出來?\", \"words\": [{\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"我\", \"start\": 646.511, \"end\": 646.612, \"score\": 0.982}, {\"word\": \"要\", \"start\": 646.612, \"end\": 646.912, \"score\": 0.932}, {\"word\": \"請\"}, {\"word\": \"教\", \"start\": 646.912, \"end\": 647.092, \"score\": 0.885}, {\"word\": \"就\", \"start\": 647.092, \"end\": 647.352, \"score\": 0.856}, {\"word\": \"是\", \"start\": 647.352, \"end\": 648.092, \"score\": 0.946}, {\"word\": \"說\"}, {\"word\": \",\"}, {\"word\": \"如\", \"start\": 648.092, \"end\": 648.252, \"score\": 0.893}, {\"word\": \"果\", \"start\": 648.252, \"end\": 648.513, \"score\": 0.999}, {\"word\": \"是\", \"start\": 648.513, \"end\": 649.313, \"score\": 0.993}, {\"word\": \"跟\", \"start\": 649.313, \"end\": 649.973, \"score\": 0.91}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"主\", \"start\": 649.973, \"end\": 650.214, \"score\": 0.838}, {\"word\": \"領\"}, {\"word\": \"公\", \"start\": 650.214, \"end\": 650.414, \"score\": 1.0}, {\"word\": \"司\", \"start\": 650.414, \"end\": 650.634, \"score\": 0.999}, {\"word\": \"、\"}, {\"word\": \"跟\", \"start\": 650.634, \"end\": 651.834, \"score\": 0.941}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"公\", \"start\": 651.834, \"end\": 651.995, \"score\": 0.996}, {\"word\": \"股\", \"start\": 651.995, \"end\": 652.275, \"score\": 0.86}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 652.275, \"end\": 653.155, \"score\": 0.997}, {\"word\": \"借\", \"start\": 653.155, \"end\": 654.536, \"score\": 0.957}, {\"word\": \"錢\"}, {\"word\": \",\"}, {\"word\": \"我\", \"start\": 654.536, \"end\": 654.676, \"score\": 0.851}, {\"word\": \"認\"}, {\"word\": \"為\"}, {\"word\": \"啦\", \"start\": 654.676, \"end\": 655.937, \"score\": 0.974}, {\"word\": \",\"}, {\"word\": \"還\"}, {\"word\": \"是\", \"start\": 655.937, \"end\": 656.077, \"score\": 0.998}, {\"word\": \"要\", \"start\": 656.077, \"end\": 656.217, \"score\": 0.854}, {\"word\": \"有\", \"start\": 656.217, \"end\": 656.317, \"score\": 0.796}, {\"word\": \"一\", \"start\": 656.317, \"end\": 656.537, \"score\": 0.819}, {\"word\": \"個\"}, {\"word\": \"限\", \"start\": 656.537, \"end\": 656.817, \"score\": 0.998}, {\"word\": \"制\", \"start\": 656.817, \"end\": 656.977, \"score\": 0.953}, {\"word\": \"啦\", \"start\": 656.977, \"end\": 657.738, \"score\": 0.949}, {\"word\": \",\"}, {\"word\": \"還\"}, {\"word\": \"是\", \"start\": 657.738, \"end\": 657.858, \"score\": 0.996}, {\"word\": \"要\", \"start\": 657.858, \"end\": 657.938, \"score\": 0.859}, {\"word\": \"有\", \"start\": 657.938, \"end\": 657.958, \"score\": 0.0}, {\"word\": \"一\", \"start\": 657.958, \"end\": 658.138, \"score\": 0.776}, {\"word\": \"個\"}, {\"word\": \"限\", \"start\": 658.138, \"end\": 658.378, \"score\": 0.993}, {\"word\": \"制\", \"start\": 658.378, \"end\": 658.558, \"score\": 0.943}, {\"word\": \"啦\", \"start\": 658.558, \"end\": 659.519, \"score\": 0.979}, {\"word\": \"。\"}, {\"word\": \"我\", \"start\": 659.519, \"end\": 659.619, \"score\": 0.776}, {\"word\": \"想\", \"start\": 659.619, \"end\": 659.919, \"score\": 0.976}, {\"word\": \"那\", \"start\": 659.919, \"end\": 660.539, \"score\": 0.949}, {\"word\": \"個\"}, {\"word\": \"公\", \"start\": 660.539, \"end\": 660.739, \"score\": 0.949}, {\"word\": \"股\", \"start\": 660.739, \"end\": 660.859, \"score\": 0.865}, {\"word\": \"部\", \"start\": 660.859, \"end\": 660.959, \"score\": 0.998}, {\"word\": \"分\", \"start\": 660.959, \"end\": 661.12, \"score\": 0.984}, {\"word\": \"我\", \"start\": 661.12, \"end\": 661.38, \"score\": 0.897}, {\"word\": \"們\"}, {\"word\": \"尊\", \"start\": 661.38, \"end\": 661.58, \"score\": 0.901}, {\"word\": \"重\", \"start\": 661.58, \"end\": 662.66, \"score\": 0.893}, {\"word\": \"財\"}, {\"word\": \"政\", \"start\": 662.66, \"end\": 662.841, \"score\": 0.988}, {\"word\": \"部\", \"start\": 662.841, \"end\": 662.961, \"score\": 0.996}, {\"word\": \"的\", \"start\": 662.961, \"end\": 663.281, \"score\": 0.935}, {\"word\": \"決\"}, {\"word\": \"定\", \"start\": 663.281, \"end\": 663.501, \"score\": 0.998}, {\"word\": \",\"}, {\"word\": \"但\", \"start\": 663.501, \"end\": 663.641, \"score\": 0.848}, {\"word\": \"是\", \"start\": 663.641, \"end\": 663.761, \"score\": 0.968}, {\"word\": \"整\", \"start\": 663.761, \"end\": 664.381, \"score\": 0.93}, {\"word\": \"體\"}, {\"word\": \"金\", \"start\": 664.381, \"end\": 664.521, \"score\": 0.858}, {\"word\": \"融\", \"start\": 664.521, \"end\": 664.942, \"score\": 0.862}, {\"word\": \"機\"}, {\"word\": \"構\"}, {\"word\": \"部\", \"start\": 664.942, \"end\": 665.102, \"score\": 1.0}, {\"word\": \"分\", \"start\": 665.102, \"end\": 665.242, \"score\": 0.958}, {\"word\": \"我\", \"start\": 665.242, \"end\": 666.122, \"score\": 0.952}, {\"word\": \"們\"}, {\"word\": \"會\"}, {\"word\": \"再\", \"start\": 666.122, \"end\": 666.963, \"score\": 0.928}, {\"word\": \"強\"}, {\"word\": \"化\", \"start\": 666.963, \"end\": 667.543, \"score\": 0.94}, {\"word\": \",\"}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"。\"}, {\"word\": \"那\", \"start\": 667.543, \"end\": 667.663, \"score\": 0.83}, {\"word\": \"另\", \"start\": 667.663, \"end\": 667.803, \"score\": 0.859}, {\"word\": \"外\", \"start\": 667.803, \"end\": 668.624, \"score\": 0.926}, {\"word\": \"齁\"}, {\"word\": \",\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"有\", \"start\": 668.624, \"end\": 668.784, \"score\": 0.992}, {\"word\": \"沒\", \"start\": 668.784, \"end\": 668.904, \"score\": 0.833}, {\"word\": \"有\", \"start\": 668.904, \"end\": 669.144, \"score\": 0.915}, {\"word\": \"催\", \"start\": 669.144, \"end\": 669.424, \"score\": 0.928}, {\"word\": \"收\", \"start\": 669.424, \"end\": 669.584, \"score\": 0.96}, {\"word\": \"的\", \"start\": 669.584, \"end\": 669.724, \"score\": 0.86}, {\"word\": \"準\", \"start\": 669.724, \"end\": 670.165, \"score\": 0.909}, {\"word\": \"則\"}, {\"word\": \"出\", \"start\": 670.165, \"end\": 670.185, \"score\": 1.0}, {\"word\": \"來\"}, {\"word\": \"?\"}]}, {\"start\": 672.583, \"end\": 686.737, \"text\": \"主任公司的催修準則有出來嗎?因為現在很多這個主任公司都把他的債權這個轉給這個黑道的也有啊不是其他的什麼來催修也有啊這個催修準則有沒有出來?\", \"words\": [{\"word\": \"主\", \"start\": 672.583, \"end\": 673.764, \"score\": 0.921}, {\"word\": \"任\", \"start\": 673.764, \"end\": 673.884, \"score\": 0.834}, {\"word\": \"公\", \"start\": 673.884, \"end\": 674.044, \"score\": 0.982}, {\"word\": \"司\", \"start\": 674.044, \"end\": 674.144, \"score\": 0.856}, {\"word\": \"的\", \"start\": 674.144, \"end\": 674.244, \"score\": 0.824}, {\"word\": \"催\", \"start\": 674.244, \"end\": 674.404, \"score\": 0.875}, {\"word\": \"修\", \"start\": 674.404, \"end\": 674.585, \"score\": 0.888}, {\"word\": \"準\", \"start\": 674.585, \"end\": 674.865, \"score\": 0.857}, {\"word\": \"則\"}, {\"word\": \"有\", \"start\": 674.865, \"end\": 674.985, \"score\": 0.935}, {\"word\": \"出\", \"start\": 674.985, \"end\": 675.726, \"score\": 0.946}, {\"word\": \"來\"}, {\"word\": \"嗎\"}, {\"word\": \"?\"}, {\"word\": \"因\", \"start\": 675.726, \"end\": 675.986, \"score\": 0.846}, {\"word\": \"為\"}, {\"word\": \"現\"}, {\"word\": \"在\", \"start\": 675.986, \"end\": 676.106, \"score\": 0.842}, {\"word\": \"很\", \"start\": 676.106, \"end\": 676.206, \"score\": 0.839}, {\"word\": \"多\", \"start\": 676.206, \"end\": 676.687, \"score\": 0.916}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"主\", \"start\": 676.687, \"end\": 676.767, \"score\": 0.75}, {\"word\": \"任\", \"start\": 676.767, \"end\": 676.927, \"score\": 0.879}, {\"word\": \"公\", \"start\": 676.927, \"end\": 677.107, \"score\": 0.988}, {\"word\": \"司\", \"start\": 677.107, \"end\": 677.408, \"score\": 0.912}, {\"word\": \"都\", \"start\": 677.408, \"end\": 677.508, \"score\": 0.978}, {\"word\": \"把\", \"start\": 677.508, \"end\": 677.628, \"score\": 0.997}, {\"word\": \"他\", \"start\": 677.628, \"end\": 677.748, \"score\": 0.862}, {\"word\": \"的\", \"start\": 677.748, \"end\": 681.232, \"score\": 0.943}, {\"word\": \"債\"}, {\"word\": \"權\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"轉\"}, {\"word\": \"給\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"黑\", \"start\": 681.232, \"end\": 681.412, \"score\": 1.0}, {\"word\": \"道\", \"start\": 681.412, \"end\": 681.532, \"score\": 0.846}, {\"word\": \"的\", \"start\": 681.532, \"end\": 681.652, \"score\": 0.891}, {\"word\": \"也\", \"start\": 681.652, \"end\": 681.832, \"score\": 0.932}, {\"word\": \"有\", \"start\": 681.832, \"end\": 682.012, \"score\": 0.96}, {\"word\": \"啊\", \"start\": 682.012, \"end\": 682.993, \"score\": 0.969}, {\"word\": \"不\", \"start\": 682.993, \"end\": 683.053, \"score\": 0.881}, {\"word\": \"是\", \"start\": 683.053, \"end\": 683.234, \"score\": 0.906}, {\"word\": \"其\", \"start\": 683.234, \"end\": 683.354, \"score\": 0.999}, {\"word\": \"他\", \"start\": 683.354, \"end\": 683.514, \"score\": 0.99}, {\"word\": \"的\", \"start\": 683.514, \"end\": 683.674, \"score\": 0.997}, {\"word\": \"什\", \"start\": 683.674, \"end\": 684.315, \"score\": 0.884}, {\"word\": \"麼\"}, {\"word\": \"來\"}, {\"word\": \"催\", \"start\": 684.315, \"end\": 684.455, \"score\": 0.884}, {\"word\": \"修\", \"start\": 684.455, \"end\": 684.595, \"score\": 0.857}, {\"word\": \"也\", \"start\": 684.595, \"end\": 684.715, \"score\": 0.975}, {\"word\": \"有\", \"start\": 684.715, \"end\": 684.855, \"score\": 0.908}, {\"word\": \"啊\", \"start\": 684.855, \"end\": 685.776, \"score\": 0.914}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"催\", \"start\": 685.776, \"end\": 685.957, \"score\": 0.891}, {\"word\": \"修\", \"start\": 685.957, \"end\": 686.177, \"score\": 0.88}, {\"word\": \"準\", \"start\": 686.177, \"end\": 686.457, \"score\": 0.857}, {\"word\": \"則\"}, {\"word\": \"有\", \"start\": 686.457, \"end\": 686.537, \"score\": 0.75}, {\"word\": \"沒\", \"start\": 686.537, \"end\": 686.637, \"score\": 0.8}, {\"word\": \"有\", \"start\": 686.637, \"end\": 686.717, \"score\": 0.75}, {\"word\": \"出\", \"start\": 686.717, \"end\": 686.737, \"score\": 1.0}, {\"word\": \"來\"}, {\"word\": \"?\"}]}, {\"start\": 687.52, \"end\": 689.661, \"text\": \"這個我們對金融機構的催收有一個定型化的契約嗎?\", \"words\": [{\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"我\", \"start\": 687.52, \"end\": 688.0, \"score\": 0.958}, {\"word\": \"們\"}, {\"word\": \"對\"}, {\"word\": \"金\", \"start\": 688.0, \"end\": 688.2, \"score\": 0.9}, {\"word\": \"融\", \"start\": 688.2, \"end\": 688.3, \"score\": 0.8}, {\"word\": \"機\"}, {\"word\": \"構\"}, {\"word\": \"的\", \"start\": 688.3, \"end\": 688.54, \"score\": 0.917}, {\"word\": \"催\", \"start\": 688.54, \"end\": 688.721, \"score\": 0.889}, {\"word\": \"收\", \"start\": 688.721, \"end\": 688.861, \"score\": 0.857}, {\"word\": \"有\", \"start\": 688.861, \"end\": 689.061, \"score\": 0.899}, {\"word\": \"一\", \"start\": 689.061, \"end\": 689.181, \"score\": 0.833}, {\"word\": \"個\"}, {\"word\": \"定\", \"start\": 689.181, \"end\": 689.341, \"score\": 0.875}, {\"word\": \"型\", \"start\": 689.341, \"end\": 689.481, \"score\": 0.857}, {\"word\": \"化\", \"start\": 689.481, \"end\": 689.581, \"score\": 0.8}, {\"word\": \"的\", \"start\": 689.581, \"end\": 689.641, \"score\": 0.667}, {\"word\": \"契\", \"start\": 689.641, \"end\": 689.661, \"score\": 0.0}, {\"word\": \"約\"}, {\"word\": \"嗎\"}, {\"word\": \"?\"}]}, {\"start\": 703.035, \"end\": 724.413, \"text\": \"有沒有應該是說我們對他們的管理就是說他這邊的吹收他要符合一切法令的規定當然要符合那我意思就是說在這次的自律規範裡面有沒有這個吹收的準則出來啦因為有嗎我們原則性的規定有在這個自律規範裡面這個講了很多都是這個租賃公司的自律啦\", \"words\": [{\"word\": \"有\", \"start\": 703.035, \"end\": 703.115, \"score\": 0.902}, {\"word\": \"沒\", \"start\": 703.115, \"end\": 703.235, \"score\": 0.819}, {\"word\": \"有\", \"start\": 703.235, \"end\": 704.476, \"score\": 0.966}, {\"word\": \"應\"}, {\"word\": \"該\"}, {\"word\": \"是\", \"start\": 704.476, \"end\": 705.197, \"score\": 0.961}, {\"word\": \"說\"}, {\"word\": \"我\", \"start\": 705.197, \"end\": 705.837, \"score\": 0.936}, {\"word\": \"們\"}, {\"word\": \"對\"}, {\"word\": \"他\", \"start\": 705.837, \"end\": 706.218, \"score\": 0.946}, {\"word\": \"們\"}, {\"word\": \"的\", \"start\": 706.218, \"end\": 706.518, \"score\": 0.999}, {\"word\": \"管\", \"start\": 706.518, \"end\": 706.698, \"score\": 0.999}, {\"word\": \"理\", \"start\": 706.698, \"end\": 706.858, \"score\": 1.0}, {\"word\": \"就\", \"start\": 706.858, \"end\": 707.078, \"score\": 0.93}, {\"word\": \"是\", \"start\": 707.078, \"end\": 707.299, \"score\": 0.909}, {\"word\": \"說\"}, {\"word\": \"他\", \"start\": 707.299, \"end\": 707.779, \"score\": 0.882}, {\"word\": \"這\"}, {\"word\": \"邊\"}, {\"word\": \"的\", \"start\": 707.779, \"end\": 708.179, \"score\": 0.999}, {\"word\": \"吹\", \"start\": 708.179, \"end\": 708.44, \"score\": 0.982}, {\"word\": \"收\", \"start\": 708.44, \"end\": 708.9, \"score\": 0.981}, {\"word\": \"他\", \"start\": 708.9, \"end\": 709.06, \"score\": 0.976}, {\"word\": \"要\", \"start\": 709.06, \"end\": 709.26, \"score\": 0.998}, {\"word\": \"符\", \"start\": 709.26, \"end\": 709.42, \"score\": 0.902}, {\"word\": \"合\", \"start\": 709.42, \"end\": 709.64, \"score\": 0.995}, {\"word\": \"一\", \"start\": 709.64, \"end\": 709.801, \"score\": 1.0}, {\"word\": \"切\", \"start\": 709.801, \"end\": 710.341, \"score\": 0.999}, {\"word\": \"法\", \"start\": 710.341, \"end\": 710.481, \"score\": 1.0}, {\"word\": \"令\", \"start\": 710.481, \"end\": 710.681, \"score\": 0.983}, {\"word\": \"的\", \"start\": 710.681, \"end\": 711.162, \"score\": 0.956}, {\"word\": \"規\"}, {\"word\": \"定\", \"start\": 711.162, \"end\": 711.842, \"score\": 0.949}, {\"word\": \"當\"}, {\"word\": \"然\", \"start\": 711.842, \"end\": 711.922, \"score\": 0.809}, {\"word\": \"要\", \"start\": 711.922, \"end\": 712.042, \"score\": 0.833}, {\"word\": \"符\", \"start\": 712.042, \"end\": 712.143, \"score\": 0.913}, {\"word\": \"合\", \"start\": 712.143, \"end\": 712.523, \"score\": 0.944}, {\"word\": \"那\", \"start\": 712.523, \"end\": 712.623, \"score\": 0.804}, {\"word\": \"我\", \"start\": 712.623, \"end\": 712.723, \"score\": 0.814}, {\"word\": \"意\", \"start\": 712.723, \"end\": 712.823, \"score\": 0.8}, {\"word\": \"思\", \"start\": 712.823, \"end\": 712.863, \"score\": 0.5}, {\"word\": \"就\", \"start\": 712.863, \"end\": 713.043, \"score\": 0.889}, {\"word\": \"是\", \"start\": 713.043, \"end\": 713.444, \"score\": 0.95}, {\"word\": \"說\"}, {\"word\": \"在\", \"start\": 713.444, \"end\": 713.704, \"score\": 0.894}, {\"word\": \"這\"}, {\"word\": \"次\", \"start\": 713.704, \"end\": 713.784, \"score\": 0.942}, {\"word\": \"的\", \"start\": 713.784, \"end\": 713.884, \"score\": 0.8}, {\"word\": \"自\", \"start\": 713.884, \"end\": 713.964, \"score\": 0.75}, {\"word\": \"律\", \"start\": 713.964, \"end\": 714.464, \"score\": 0.84}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"裡\"}, {\"word\": \"面\", \"start\": 714.464, \"end\": 714.645, \"score\": 0.899}, {\"word\": \"有\", \"start\": 714.645, \"end\": 714.805, \"score\": 0.999}, {\"word\": \"沒\", \"start\": 714.805, \"end\": 714.885, \"score\": 0.75}, {\"word\": \"有\", \"start\": 714.885, \"end\": 715.185, \"score\": 0.866}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"吹\", \"start\": 715.185, \"end\": 715.365, \"score\": 0.982}, {\"word\": \"收\", \"start\": 715.365, \"end\": 715.525, \"score\": 0.992}, {\"word\": \"的\", \"start\": 715.525, \"end\": 715.625, \"score\": 0.989}, {\"word\": \"準\", \"start\": 715.625, \"end\": 716.046, \"score\": 0.904}, {\"word\": \"則\"}, {\"word\": \"出\", \"start\": 716.046, \"end\": 716.366, \"score\": 0.924}, {\"word\": \"來\"}, {\"word\": \"啦\", \"start\": 716.366, \"end\": 716.546, \"score\": 0.887}, {\"word\": \"因\", \"start\": 716.546, \"end\": 717.347, \"score\": 0.974}, {\"word\": \"為\"}, {\"word\": \"有\", \"start\": 717.347, \"end\": 717.747, \"score\": 0.948}, {\"word\": \"嗎\"}, {\"word\": \"我\", \"start\": 717.747, \"end\": 717.987, \"score\": 0.916}, {\"word\": \"們\"}, {\"word\": \"原\", \"start\": 717.987, \"end\": 718.348, \"score\": 0.92}, {\"word\": \"則\"}, {\"word\": \"性\", \"start\": 718.348, \"end\": 718.508, \"score\": 0.997}, {\"word\": \"的\", \"start\": 718.508, \"end\": 718.828, \"score\": 0.906}, {\"word\": \"規\"}, {\"word\": \"定\", \"start\": 718.828, \"end\": 719.028, \"score\": 1.0}, {\"word\": \"有\", \"start\": 719.028, \"end\": 719.248, \"score\": 0.999}, {\"word\": \"在\", \"start\": 719.248, \"end\": 719.689, \"score\": 0.891}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"自\", \"start\": 719.689, \"end\": 719.829, \"score\": 0.866}, {\"word\": \"律\", \"start\": 719.829, \"end\": 719.969, \"score\": 0.964}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"裡\"}, {\"word\": \"面\", \"start\": 719.969, \"end\": 721.33, \"score\": 0.903}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"講\"}, {\"word\": \"了\", \"start\": 721.33, \"end\": 721.43, \"score\": 0.918}, {\"word\": \"很\", \"start\": 721.43, \"end\": 721.61, \"score\": 0.999}, {\"word\": \"多\", \"start\": 721.61, \"end\": 722.131, \"score\": 0.962}, {\"word\": \"都\", \"start\": 722.131, \"end\": 722.311, \"score\": 1.0}, {\"word\": \"是\", \"start\": 722.311, \"end\": 722.751, \"score\": 0.908}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"租\", \"start\": 722.751, \"end\": 723.012, \"score\": 0.851}, {\"word\": \"賃\"}, {\"word\": \"公\", \"start\": 723.012, \"end\": 723.212, \"score\": 1.0}, {\"word\": \"司\", \"start\": 723.212, \"end\": 723.352, \"score\": 0.995}, {\"word\": \"的\", \"start\": 723.352, \"end\": 724.012, \"score\": 0.988}, {\"word\": \"自\", \"start\": 724.012, \"end\": 724.173, \"score\": 0.895}, {\"word\": \"律\", \"start\": 724.173, \"end\": 724.393, \"score\": 0.935}, {\"word\": \"啦\", \"start\": 724.393, \"end\": 724.413, \"score\": 0.048}]}, {\"start\": 725.234, \"end\": 727.617, \"text\": \"謝謝李昆成委的質詢因為李燕秀委員另有要問\", \"words\": [{\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"李\", \"start\": 725.234, \"end\": 725.254, \"score\": 0.0}, {\"word\": \"昆\", \"start\": 725.254, \"end\": 725.374, \"score\": 0.833}, {\"word\": \"成\", \"start\": 725.374, \"end\": 725.494, \"score\": 0.825}, {\"word\": \"委\", \"start\": 725.494, \"end\": 725.614, \"score\": 0.833}, {\"word\": \"的\", \"start\": 725.614, \"end\": 725.694, \"score\": 0.75}, {\"word\": \"質\"}, {\"word\": \"詢\"}, {\"word\": \"因\", \"start\": 725.694, \"end\": 725.794, \"score\": 0.8}, {\"word\": \"為\"}, {\"word\": \"李\", \"start\": 725.794, \"end\": 725.955, \"score\": 0.874}, {\"word\": \"燕\", \"start\": 725.955, \"end\": 726.135, \"score\": 0.884}, {\"word\": \"秀\", \"start\": 726.135, \"end\": 726.355, \"score\": 0.909}, {\"word\": \"委\", \"start\": 726.355, \"end\": 726.615, \"score\": 0.922}, {\"word\": \"員\"}, {\"word\": \"另\", \"start\": 726.615, \"end\": 727.336, \"score\": 0.966}, {\"word\": \"有\", \"start\": 727.336, \"end\": 727.597, \"score\": 0.922}, {\"word\": \"要\", \"start\": 727.597, \"end\": 727.617, \"score\": 0.0}, {\"word\": \"問\"}]}], \"word_segments\": [{\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"主\", \"start\": 3.846, \"end\": 4.007, \"score\": 0.989}, {\"word\": \"席\", \"start\": 4.007, \"end\": 4.727, \"score\": 0.978}, {\"word\": \"我\", \"start\": 4.727, \"end\": 5.507, \"score\": 0.896}, {\"word\": \"們\"}, {\"word\": \"請\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"金\", \"start\": 5.507, \"end\": 5.648, \"score\": 0.973}, {\"word\": \"管\", \"start\": 5.648, \"end\": 6.408, \"score\": 0.948}, {\"word\": \"會\"}, {\"word\": \"黃\"}, {\"word\": \"主\", \"start\": 6.408, \"end\": 6.528, \"score\": 0.838}, {\"word\": \"委\", \"start\": 6.528, \"end\": 7.829, \"score\": 0.985}, {\"word\": \"有\", \"start\": 7.829, \"end\": 11.331, \"score\": 0.873}, {\"word\": \"請\"}, {\"word\": \"有\", \"start\": 11.331, \"end\": 11.471, \"score\": 0.987}, {\"word\": \"請\"}, {\"word\": \"黃\"}, {\"word\": \"主\", \"start\": 11.471, \"end\": 11.631, \"score\": 0.874}, {\"word\": \"委\", \"start\": 11.631, \"end\": 11.811, \"score\": 0.889}, {\"word\": \"主\", \"start\": 11.811, \"end\": 11.951, \"score\": 0.857}, {\"word\": \"委\", \"start\": 11.951, \"end\": 15.594, \"score\": 0.829}, {\"word\": \"好\", \"start\": 15.594, \"end\": 16.174, \"score\": 0.966}, {\"word\": \"不\", \"start\": 16.174, \"end\": 16.334, \"score\": 0.873}, {\"word\": \"好\", \"start\": 16.334, \"end\": 17.355, \"score\": 0.959}, {\"word\": \"意\", \"start\": 17.355, \"end\": 17.415, \"score\": 0.666}, {\"word\": \"思\", \"start\": 17.415, \"end\": 18.335, \"score\": 0.956}, {\"word\": \"剛\"}, {\"word\": \"喝\", \"start\": 18.335, \"end\": 18.535, \"score\": 0.967}, {\"word\": \"水\", \"start\": 18.535, \"end\": 18.655, \"score\": 0.855}, {\"word\": \"有\", \"start\": 18.655, \"end\": 18.816, \"score\": 0.877}, {\"word\": \"喝\", \"start\": 18.816, \"end\": 19.156, \"score\": 0.88}, {\"word\": \"過\"}, {\"word\": \"了\", \"start\": 19.156, \"end\": 19.836, \"score\": 0.97}, {\"word\": \"嗎\"}, {\"word\": \"可\", \"start\": 19.836, \"end\": 20.016, \"score\": 0.997}, {\"word\": \"以\", \"start\": 20.016, \"end\": 20.637, \"score\": 0.903}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"不\", \"start\": 20.637, \"end\": 20.737, \"score\": 0.817}, {\"word\": \"好\", \"start\": 20.737, \"end\": 20.857, \"score\": 0.832}, {\"word\": \"意\", \"start\": 20.857, \"end\": 20.977, \"score\": 0.855}, {\"word\": \"思\", \"start\": 20.977, \"end\": 21.117, \"score\": 0.877}, {\"word\": \"耽\", \"start\": 21.117, \"end\": 21.357, \"score\": 0.835}, {\"word\": \"誤\"}, {\"word\": \"您\", \"start\": 21.357, \"end\": 21.917, \"score\": 0.893}, {\"word\": \"時\"}, {\"word\": \"間\"}, {\"word\": \"沒\", \"start\": 21.917, \"end\": 22.037, \"score\": 0.832}, {\"word\": \"有\", \"start\": 22.037, \"end\": 22.057, \"score\": 0.007}, {\"word\": \"沒\", \"start\": 22.057, \"end\": 22.178, \"score\": 0.828}, {\"word\": \"有\", \"start\": 22.178, \"end\": 22.618, \"score\": 0.986}, {\"word\": \"不\", \"start\": 22.618, \"end\": 22.698, \"score\": 0.75}, {\"word\": \"要\", \"start\": 22.698, \"end\": 22.718, \"score\": 0.0}, {\"word\": \"不\", \"start\": 22.718, \"end\": 22.758, \"score\": 0.5}, {\"word\": \"好\", \"start\": 22.758, \"end\": 22.898, \"score\": 0.854}, {\"word\": \"意\", \"start\": 22.898, \"end\": 22.998, \"score\": 0.8}, {\"word\": \"思\", \"start\": 22.998, \"end\": 23.298, \"score\": 0.867}, {\"word\": \"也\", \"start\": 23.298, \"end\": 23.398, \"score\": 0.839}, {\"word\": \"辛\", \"start\": 23.398, \"end\": 23.558, \"score\": 0.959}, {\"word\": \"苦\", \"start\": 23.558, \"end\": 23.698, \"score\": 0.945}, {\"word\": \"了\", \"start\": 23.698, \"end\": 23.799, \"score\": 0.822}, {\"word\": \"啦\", \"start\": 23.799, \"end\": 24.439, \"score\": 0.937}, {\"word\": \"那\", \"start\": 24.439, \"end\": 25.079, \"score\": 0.903}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 25.079, \"end\": 25.259, \"score\": 1.0}, {\"word\": \"是\", \"start\": 25.259, \"end\": 25.48, \"score\": 0.909}, {\"word\": \"大\", \"start\": 25.48, \"end\": 25.6, \"score\": 0.833}, {\"word\": \"概\", \"start\": 25.6, \"end\": 25.74, \"score\": 0.858}, {\"word\": \"晚\", \"start\": 25.74, \"end\": 25.88, \"score\": 0.994}, {\"word\": \"了\", \"start\": 25.88, \"end\": 26.36, \"score\": 0.839}, {\"word\": \"兩\"}, {\"word\": \"個\"}, {\"word\": \"禮\"}, {\"word\": \"拜\", \"start\": 26.36, \"end\": 27.021, \"score\": 0.982}, {\"word\": \"因\", \"start\": 27.021, \"end\": 27.281, \"score\": 0.906}, {\"word\": \"為\"}, {\"word\": \"上\", \"start\": 27.281, \"end\": 27.441, \"score\": 0.985}, {\"word\": \"次\", \"start\": 27.441, \"end\": 27.581, \"score\": 0.948}, {\"word\": \"要\", \"start\": 27.581, \"end\": 27.981, \"score\": 0.881}, {\"word\": \"來\"}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 27.981, \"end\": 28.181, \"score\": 0.999}, {\"word\": \"的\", \"start\": 28.181, \"end\": 28.261, \"score\": 0.75}, {\"word\": \"時\"}, {\"word\": \"候\", \"start\": 28.261, \"end\": 28.361, \"score\": 0.803}, {\"word\": \"遇\", \"start\": 28.361, \"end\": 28.461, \"score\": 0.987}, {\"word\": \"到\", \"start\": 28.461, \"end\": 28.962, \"score\": 1.0}, {\"word\": \"大\", \"start\": 28.962, \"end\": 29.102, \"score\": 1.0}, {\"word\": \"地\", \"start\": 29.102, \"end\": 29.262, \"score\": 0.918}, {\"word\": \"震\", \"start\": 29.262, \"end\": 29.282, \"score\": 0.356}, {\"word\": \"法\", \"start\": 29.847, \"end\": 29.967, \"score\": 0.833}, {\"word\": \"務\"}, {\"word\": \"委\", \"start\": 29.967, \"end\": 29.987, \"score\": 0.0}, {\"word\": \"員\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"請\"}, {\"word\": \"教\", \"start\": 45.274, \"end\": 45.434, \"score\": 0.865}, {\"word\": \"一\", \"start\": 45.434, \"end\": 45.454, \"score\": 0.34}, {\"word\": \"下\", \"start\": 45.454, \"end\": 45.714, \"score\": 0.87}, {\"word\": \"主\", \"start\": 45.714, \"end\": 45.874, \"score\": 0.86}, {\"word\": \"委\", \"start\": 45.874, \"end\": 46.575, \"score\": 0.848}, {\"word\": \"就\", \"start\": 46.575, \"end\": 46.775, \"score\": 0.876}, {\"word\": \"是\", \"start\": 46.775, \"end\": 47.315, \"score\": 0.817}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"大\", \"start\": 47.315, \"end\": 47.415, \"score\": 0.999}, {\"word\": \"家\", \"start\": 47.415, \"end\": 47.495, \"score\": 0.733}, {\"word\": \"都\", \"start\": 47.495, \"end\": 47.615, \"score\": 0.688}, {\"word\": \"很\", \"start\": 47.615, \"end\": 47.896, \"score\": 0.772}, {\"word\": \"關\"}, {\"word\": \"心\", \"start\": 47.896, \"end\": 48.136, \"score\": 0.781}, {\"word\": \"這\"}, {\"word\": \"件\", \"start\": 48.136, \"end\": 48.316, \"score\": 0.75}, {\"word\": \"事\", \"start\": 48.316, \"end\": 48.476, \"score\": 0.846}, {\"word\": \"情\", \"start\": 48.476, \"end\": 49.016, \"score\": 0.892}, {\"word\": \"那\", \"start\": 49.016, \"end\": 49.157, \"score\": 0.83}, {\"word\": \"其\", \"start\": 49.157, \"end\": 49.417, \"score\": 0.909}, {\"word\": \"實\"}, {\"word\": \"我\", \"start\": 49.417, \"end\": 49.677, \"score\": 0.814}, {\"word\": \"們\"}, {\"word\": \"也\", \"start\": 49.677, \"end\": 49.817, \"score\": 0.986}, {\"word\": \"常\", \"start\": 49.817, \"end\": 49.957, \"score\": 0.75}, {\"word\": \"常\", \"start\": 49.957, \"end\": 50.137, \"score\": 0.767}, {\"word\": \"在\", \"start\": 50.137, \"end\": 51.478, \"score\": 0.911}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"廣\"}, {\"word\": \"告\", \"start\": 51.478, \"end\": 51.679, \"score\": 0.993}, {\"word\": \"上\", \"start\": 51.679, \"end\": 51.859, \"score\": 0.946}, {\"word\": \"面\", \"start\": 51.859, \"end\": 52.9, \"score\": 0.88}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"網\"}, {\"word\": \"路\", \"start\": 52.9, \"end\": 52.92, \"score\": 0.205}, {\"word\": \"的\", \"start\": 52.92, \"end\": 53.24, \"score\": 0.842}, {\"word\": \"廣\"}, {\"word\": \"告\", \"start\": 53.24, \"end\": 53.38, \"score\": 0.863}, {\"word\": \"上\", \"start\": 53.38, \"end\": 53.5, \"score\": 0.787}, {\"word\": \"面\", \"start\": 53.5, \"end\": 53.58, \"score\": 0.961}, {\"word\": \"也\", \"start\": 53.58, \"end\": 53.7, \"score\": 0.668}, {\"word\": \"看\", \"start\": 53.7, \"end\": 53.84, \"score\": 0.985}, {\"word\": \"到\", \"start\": 53.84, \"end\": 54.681, \"score\": 0.883}, {\"word\": \"說\"}, {\"word\": \"有\", \"start\": 54.681, \"end\": 54.801, \"score\": 0.867}, {\"word\": \"很\", \"start\": 54.801, \"end\": 54.961, \"score\": 0.857}, {\"word\": \"多\", \"start\": 54.961, \"end\": 55.682, \"score\": 0.778}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"釣\"}, {\"word\": \"魚\"}, {\"word\": \"式\", \"start\": 55.682, \"end\": 55.762, \"score\": 0.789}, {\"word\": \"的\", \"start\": 55.762, \"end\": 56.142, \"score\": 0.818}, {\"word\": \"廣\"}, {\"word\": \"告\", \"start\": 56.142, \"end\": 56.583, \"score\": 0.898}, {\"word\": \"關\"}, {\"word\": \"於\", \"start\": 56.583, \"end\": 57.363, \"score\": 0.862}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"融\", \"start\": 57.363, \"end\": 57.723, \"score\": 0.892}, {\"word\": \"資\"}, {\"word\": \"公\", \"start\": 57.723, \"end\": 57.924, \"score\": 0.966}, {\"word\": \"司\", \"start\": 57.924, \"end\": 58.044, \"score\": 0.988}, {\"word\": \"的\", \"start\": 58.044, \"end\": 58.164, \"score\": 0.932}, {\"word\": \"一\", \"start\": 58.164, \"end\": 58.304, \"score\": 0.875}, {\"word\": \"些\", \"start\": 58.304, \"end\": 58.644, \"score\": 0.971}, {\"word\": \"或\", \"start\": 58.644, \"end\": 58.804, \"score\": 0.759}, {\"word\": \"是\", \"start\": 58.804, \"end\": 59.505, \"score\": 0.887}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"先\", \"start\": 59.505, \"end\": 59.665, \"score\": 0.939}, {\"word\": \"買\"}, {\"word\": \"後\", \"start\": 59.665, \"end\": 60.025, \"score\": 0.834}, {\"word\": \"付\", \"start\": 60.025, \"end\": 60.145, \"score\": 0.581}, {\"word\": \"的\", \"start\": 60.145, \"end\": 60.265, \"score\": 0.813}, {\"word\": \"一\", \"start\": 60.265, \"end\": 60.366, \"score\": 0.798}, {\"word\": \"些\", \"start\": 60.366, \"end\": 61.246, \"score\": 0.931}, {\"word\": \"這\"}, {\"word\": \"些\", \"start\": 61.246, \"end\": 61.727, \"score\": 0.892}, {\"word\": \"釣\"}, {\"word\": \"魚\"}, {\"word\": \"式\", \"start\": 61.727, \"end\": 61.807, \"score\": 0.763}, {\"word\": \"的\", \"start\": 61.807, \"end\": 62.067, \"score\": 0.823}, {\"word\": \"廣\"}, {\"word\": \"告\", \"start\": 62.067, \"end\": 62.587, \"score\": 0.901}, {\"word\": \"他\", \"start\": 62.587, \"end\": 62.707, \"score\": 0.777}, {\"word\": \"常\", \"start\": 62.707, \"end\": 62.727, \"score\": 0.019}, {\"word\": \"常\", \"start\": 62.727, \"end\": 62.948, \"score\": 0.915}, {\"word\": \"在\", \"start\": 62.948, \"end\": 63.288, \"score\": 0.929}, {\"word\": \"講\"}, {\"word\": \"就\", \"start\": 63.288, \"end\": 63.488, \"score\": 0.898}, {\"word\": \"是\", \"start\": 63.488, \"end\": 63.808, \"score\": 0.856}, {\"word\": \"說\"}, {\"word\": \"你\", \"start\": 63.808, \"end\": 64.008, \"score\": 0.946}, {\"word\": \"信\", \"start\": 64.008, \"end\": 64.169, \"score\": 0.864}, {\"word\": \"用\", \"start\": 64.169, \"end\": 64.309, \"score\": 0.989}, {\"word\": \"瑕\", \"start\": 64.309, \"end\": 64.569, \"score\": 0.858}, {\"word\": \"疵\", \"start\": 64.569, \"end\": 64.689, \"score\": 0.636}, {\"word\": \"也\", \"start\": 64.689, \"end\": 64.829, \"score\": 0.989}, {\"word\": \"可\", \"start\": 64.829, \"end\": 64.949, \"score\": 0.898}, {\"word\": \"以\", \"start\": 64.949, \"end\": 65.33, \"score\": 0.919}, {\"word\": \"帶\"}, {\"word\": \"啦\", \"start\": 65.33, \"end\": 65.97, \"score\": 0.897}, {\"word\": \"然\", \"start\": 65.97, \"end\": 66.15, \"score\": 0.884}, {\"word\": \"後\", \"start\": 66.15, \"end\": 66.29, \"score\": 0.836}, {\"word\": \"呢\", \"start\": 66.29, \"end\": 67.351, \"score\": 0.904}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"一\", \"start\": 67.351, \"end\": 67.511, \"score\": 0.996}, {\"word\": \"般\", \"start\": 67.511, \"end\": 67.711, \"score\": 0.981}, {\"word\": \"商\", \"start\": 67.711, \"end\": 67.932, \"score\": 0.891}, {\"word\": \"品\", \"start\": 67.932, \"end\": 68.072, \"score\": 0.989}, {\"word\": \"也\", \"start\": 68.072, \"end\": 68.252, \"score\": 0.892}, {\"word\": \"可\", \"start\": 68.252, \"end\": 68.372, \"score\": 0.949}, {\"word\": \"以\", \"start\": 68.372, \"end\": 68.712, \"score\": 0.901}, {\"word\": \"帶\"}, {\"word\": \"啦\", \"start\": 68.712, \"end\": 69.052, \"score\": 0.935}, {\"word\": \"手\", \"start\": 69.052, \"end\": 69.393, \"score\": 0.859}, {\"word\": \"機\"}, {\"word\": \"也\", \"start\": 69.393, \"end\": 69.593, \"score\": 0.969}, {\"word\": \"可\", \"start\": 69.593, \"end\": 69.713, \"score\": 0.979}, {\"word\": \"以\", \"start\": 69.713, \"end\": 70.113, \"score\": 0.856}, {\"word\": \"帶\"}, {\"word\": \"啦\", \"start\": 70.113, \"end\": 70.814, \"score\": 0.907}, {\"word\": \"然\", \"start\": 70.814, \"end\": 70.974, \"score\": 0.872}, {\"word\": \"後\", \"start\": 70.974, \"end\": 71.094, \"score\": 0.83}, {\"word\": \"而\", \"start\": 71.094, \"end\": 71.234, \"score\": 0.699}, {\"word\": \"且\", \"start\": 71.234, \"end\": 71.394, \"score\": 0.975}, {\"word\": \"呢\", \"start\": 71.394, \"end\": 71.835, \"score\": 0.793}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"是\", \"start\": 71.835, \"end\": 72.075, \"score\": 0.998}, {\"word\": \"低\", \"start\": 72.075, \"end\": 72.235, \"score\": 0.955}, {\"word\": \"利\", \"start\": 72.235, \"end\": 72.335, \"score\": 0.879}, {\"word\": \"貸\"}, {\"word\": \"款\", \"start\": 72.335, \"end\": 72.355, \"score\": 0.0}, {\"word\": \"然\", \"start\": 73.516, \"end\": 73.656, \"score\": 0.861}, {\"word\": \"後\", \"start\": 73.656, \"end\": 73.736, \"score\": 0.75}, {\"word\": \"也\", \"start\": 73.736, \"end\": 74.016, \"score\": 0.848}, {\"word\": \"講\"}, {\"word\": \"到\", \"start\": 74.016, \"end\": 75.477, \"score\": 0.91}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"貸\"}, {\"word\": \"款\", \"start\": 75.477, \"end\": 75.657, \"score\": 0.97}, {\"word\": \"的\", \"start\": 75.657, \"end\": 76.517, \"score\": 0.874}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"條\"}, {\"word\": \"件\", \"start\": 76.517, \"end\": 76.697, \"score\": 0.96}, {\"word\": \"呢\", \"start\": 76.697, \"end\": 77.438, \"score\": 0.94}, {\"word\": \"條\"}, {\"word\": \"件\", \"start\": 77.438, \"end\": 77.558, \"score\": 0.921}, {\"word\": \"不\", \"start\": 77.558, \"end\": 77.718, \"score\": 0.989}, {\"word\": \"拘\", \"start\": 77.718, \"end\": 79.058, \"score\": 0.942}, {\"word\": \"誰\"}, {\"word\": \"來\"}, {\"word\": \"誰\"}, {\"word\": \"借\", \"start\": 79.058, \"end\": 79.739, \"score\": 0.945}, {\"word\": \"然\", \"start\": 79.739, \"end\": 79.899, \"score\": 0.888}, {\"word\": \"後\", \"start\": 79.899, \"end\": 80.299, \"score\": 0.809}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"保\", \"start\": 80.299, \"end\": 80.879, \"score\": 0.927}, {\"word\": \"證\"}, {\"word\": \"過\"}, {\"word\": \"借\", \"start\": 80.879, \"end\": 81.779, \"score\": 0.931}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"超\", \"start\": 81.779, \"end\": 82.0, \"score\": 0.963}, {\"word\": \"高\", \"start\": 82.0, \"end\": 82.36, \"score\": 0.913}, {\"word\": \"額\"}, {\"word\": \"度\", \"start\": 82.36, \"end\": 83.28, \"score\": 0.974}, {\"word\": \"然\", \"start\": 83.28, \"end\": 83.4, \"score\": 0.832}, {\"word\": \"後\", \"start\": 83.4, \"end\": 83.52, \"score\": 0.816}, {\"word\": \"呢\", \"start\": 83.52, \"end\": 84.801, \"score\": 0.96}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"而\", \"start\": 84.801, \"end\": 84.921, \"score\": 0.839}, {\"word\": \"且\", \"start\": 84.921, \"end\": 85.161, \"score\": 0.888}, {\"word\": \"還\"}, {\"word\": \"有\", \"start\": 85.161, \"end\": 85.521, \"score\": 0.888}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"最\", \"start\": 85.521, \"end\": 85.701, \"score\": 0.943}, {\"word\": \"新\", \"start\": 85.701, \"end\": 86.021, \"score\": 0.956}, {\"word\": \"型\", \"start\": 86.021, \"end\": 86.181, \"score\": 0.923}, {\"word\": \"的\", \"start\": 86.181, \"end\": 86.541, \"score\": 0.88}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"手\", \"start\": 86.541, \"end\": 86.722, \"score\": 0.994}, {\"word\": \"機\"}, {\"word\": \"A\", \"start\": 86.722, \"end\": 87.062, \"score\": 0.939}, {\"word\": \"P\", \"start\": 87.062, \"end\": 87.242, \"score\": 0.88}, {\"word\": \"P\", \"start\": 87.242, \"end\": 87.342, \"score\": 0.797}, {\"word\": \"的\", \"start\": 87.342, \"end\": 87.702, \"score\": 0.895}, {\"word\": \"貸\"}, {\"word\": \"款\", \"start\": 87.702, \"end\": 88.382, \"score\": 0.968}, {\"word\": \"按\", \"start\": 88.382, \"end\": 88.542, \"score\": 0.991}, {\"word\": \"照\", \"start\": 88.542, \"end\": 88.802, \"score\": 0.996}, {\"word\": \"手\", \"start\": 88.802, \"end\": 89.183, \"score\": 0.932}, {\"word\": \"機\"}, {\"word\": \"的\", \"start\": 89.183, \"end\": 89.603, \"score\": 0.795}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"指\", \"start\": 89.603, \"end\": 89.763, \"score\": 0.92}, {\"word\": \"示\", \"start\": 89.763, \"end\": 89.903, \"score\": 0.945}, {\"word\": \"呢\", \"start\": 89.903, \"end\": 90.103, \"score\": 0.893}, {\"word\": \"就\", \"start\": 90.103, \"end\": 90.203, \"score\": 0.998}, {\"word\": \"可\", \"start\": 90.203, \"end\": 90.303, \"score\": 0.834}, {\"word\": \"以\", \"start\": 90.303, \"end\": 90.403, \"score\": 0.905}, {\"word\": \"申\", \"start\": 90.403, \"end\": 91.424, \"score\": 0.947}, {\"word\": \"辦\"}, {\"word\": \"那\", \"start\": 91.424, \"end\": 91.564, \"score\": 0.973}, {\"word\": \"甚\", \"start\": 91.564, \"end\": 91.704, \"score\": 0.948}, {\"word\": \"至\", \"start\": 91.704, \"end\": 91.804, \"score\": 0.865}, {\"word\": \"也\", \"start\": 91.804, \"end\": 91.904, \"score\": 0.999}, {\"word\": \"不\", \"start\": 91.904, \"end\": 91.984, \"score\": 0.999}, {\"word\": \"知\", \"start\": 91.984, \"end\": 92.084, \"score\": 0.998}, {\"word\": \"道\", \"start\": 92.084, \"end\": 93.104, \"score\": 0.867}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"實\"}, {\"word\": \"際\"}, {\"word\": \"上\", \"start\": 93.104, \"end\": 93.264, \"score\": 0.998}, {\"word\": \"利\", \"start\": 93.264, \"end\": 93.384, \"score\": 0.804}, {\"word\": \"率\", \"start\": 93.384, \"end\": 93.504, \"score\": 0.847}, {\"word\": \"是\", \"start\": 93.504, \"end\": 93.644, \"score\": 0.855}, {\"word\": \"多\", \"start\": 93.644, \"end\": 93.845, \"score\": 0.999}, {\"word\": \"少\", \"start\": 93.845, \"end\": 94.485, \"score\": 0.997}, {\"word\": \"所\", \"start\": 94.485, \"end\": 94.605, \"score\": 0.816}, {\"word\": \"以\", \"start\": 94.605, \"end\": 94.665, \"score\": 0.976}, {\"word\": \"呢\", \"start\": 94.665, \"end\": 94.965, \"score\": 0.869}, {\"word\": \"讓\"}, {\"word\": \"你\", \"start\": 94.965, \"end\": 95.305, \"score\": 0.894}, {\"word\": \"貸\"}, {\"word\": \"款\", \"start\": 95.305, \"end\": 95.525, \"score\": 0.994}, {\"word\": \"的\", \"start\": 95.525, \"end\": 95.625, \"score\": 0.8}, {\"word\": \"時\"}, {\"word\": \"候\", \"start\": 95.625, \"end\": 95.725, \"score\": 0.949}, {\"word\": \"是\", \"start\": 95.725, \"end\": 95.885, \"score\": 0.94}, {\"word\": \"非\", \"start\": 95.885, \"end\": 95.985, \"score\": 0.995}, {\"word\": \"常\", \"start\": 95.985, \"end\": 96.186, \"score\": 0.994}, {\"word\": \"方\", \"start\": 96.186, \"end\": 96.346, \"score\": 1.0}, {\"word\": \"便\", \"start\": 96.346, \"end\": 96.766, \"score\": 0.978}, {\"word\": \"但\", \"start\": 96.766, \"end\": 96.966, \"score\": 0.996}, {\"word\": \"是\", \"start\": 96.966, \"end\": 97.086, \"score\": 0.857}, {\"word\": \"呢\", \"start\": 97.086, \"end\": 97.526, \"score\": 0.834}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"是\", \"start\": 97.526, \"end\": 98.026, \"score\": 0.917}, {\"word\": \"處\"}, {\"word\": \"處\"}, {\"word\": \"的\", \"start\": 98.026, \"end\": 98.326, \"score\": 0.985}, {\"word\": \"都\", \"start\": 98.326, \"end\": 98.466, \"score\": 0.991}, {\"word\": \"是\", \"start\": 98.466, \"end\": 98.607, \"score\": 0.998}, {\"word\": \"陷\", \"start\": 98.607, \"end\": 98.887, \"score\": 0.939}, {\"word\": \"阱\", \"start\": 98.887, \"end\": 98.907, \"score\": 0.002}, {\"word\": \"所\", \"start\": 99.947, \"end\": 100.067, \"score\": 0.914}, {\"word\": \"以\", \"start\": 100.067, \"end\": 100.287, \"score\": 0.879}, {\"word\": \"也\", \"start\": 100.287, \"end\": 100.648, \"score\": 0.833}, {\"word\": \"產\"}, {\"word\": \"生\", \"start\": 100.648, \"end\": 100.768, \"score\": 0.989}, {\"word\": \"了\", \"start\": 100.768, \"end\": 100.828, \"score\": 0.666}, {\"word\": \"很\", \"start\": 100.828, \"end\": 100.988, \"score\": 0.892}, {\"word\": \"多\", \"start\": 100.988, \"end\": 101.168, \"score\": 0.996}, {\"word\": \"弊\", \"start\": 101.168, \"end\": 101.328, \"score\": 0.822}, {\"word\": \"端\", \"start\": 101.328, \"end\": 102.149, \"score\": 0.969}, {\"word\": \"至\", \"start\": 102.149, \"end\": 102.289, \"score\": 0.855}, {\"word\": \"少\", \"start\": 102.289, \"end\": 102.969, \"score\": 0.897}, {\"word\": \"有\", \"start\": 102.969, \"end\": 103.15, \"score\": 0.956}, {\"word\": \"第\", \"start\": 103.15, \"end\": 103.23, \"score\": 0.77}, {\"word\": \"一\", \"start\": 103.23, \"end\": 103.95, \"score\": 0.903}, {\"word\": \"個\"}, {\"word\": \"連\"}, {\"word\": \"針\"}, {\"word\": \"的\", \"start\": 103.95, \"end\": 104.07, \"score\": 0.996}, {\"word\": \"死\", \"start\": 104.07, \"end\": 104.27, \"score\": 0.897}, {\"word\": \"角\", \"start\": 104.27, \"end\": 104.851, \"score\": 0.95}, {\"word\": \"第\", \"start\": 104.851, \"end\": 104.951, \"score\": 0.791}, {\"word\": \"二\", \"start\": 104.951, \"end\": 105.972, \"score\": 0.938}, {\"word\": \"個\"}, {\"word\": \"超\", \"start\": 105.972, \"end\": 106.172, \"score\": 0.935}, {\"word\": \"高\", \"start\": 106.172, \"end\": 106.332, \"score\": 0.962}, {\"word\": \"的\", \"start\": 106.332, \"end\": 106.432, \"score\": 0.932}, {\"word\": \"利\", \"start\": 106.432, \"end\": 106.652, \"score\": 0.831}, {\"word\": \"率\", \"start\": 106.652, \"end\": 108.513, \"score\": 0.931}, {\"word\": \"違\"}, {\"word\": \"約\"}, {\"word\": \"金\", \"start\": 108.513, \"end\": 108.674, \"score\": 0.889}, {\"word\": \"跟\", \"start\": 108.674, \"end\": 109.354, \"score\": 0.947}, {\"word\": \"慈\", \"start\": 109.354, \"end\": 109.614, \"score\": 0.846}, {\"word\": \"嚴\"}, {\"word\": \"的\", \"start\": 109.614, \"end\": 110.215, \"score\": 0.933}, {\"word\": \"循\", \"start\": 110.215, \"end\": 110.475, \"score\": 0.911}, {\"word\": \"環\"}, {\"word\": \"利\", \"start\": 110.475, \"end\": 110.655, \"score\": 0.893}, {\"word\": \"息\", \"start\": 110.655, \"end\": 110.955, \"score\": 0.863}, {\"word\": \"一\", \"start\": 110.955, \"end\": 111.075, \"score\": 0.994}, {\"word\": \"起\", \"start\": 111.075, \"end\": 111.376, \"score\": 0.925}, {\"word\": \"來\"}, {\"word\": \"算\", \"start\": 111.376, \"end\": 112.136, \"score\": 0.981}, {\"word\": \"然\", \"start\": 112.136, \"end\": 113.037, \"score\": 0.886}, {\"word\": \"後\", \"start\": 113.037, \"end\": 113.577, \"score\": 0.924}, {\"word\": \"可\", \"start\": 113.577, \"end\": 113.897, \"score\": 0.901}, {\"word\": \"貸\"}, {\"word\": \"的\", \"start\": 113.897, \"end\": 114.037, \"score\": 0.955}, {\"word\": \"乘\", \"start\": 114.037, \"end\": 114.538, \"score\": 0.88}, {\"word\": \"數\"}, {\"word\": \"也\", \"start\": 114.538, \"end\": 114.678, \"score\": 0.869}, {\"word\": \"沒\", \"start\": 114.678, \"end\": 114.778, \"score\": 0.792}, {\"word\": \"有\", \"start\": 114.778, \"end\": 114.918, \"score\": 0.989}, {\"word\": \"限\", \"start\": 114.918, \"end\": 115.218, \"score\": 0.997}, {\"word\": \"制\", \"start\": 115.218, \"end\": 116.019, \"score\": 0.952}, {\"word\": \"甚\", \"start\": 116.019, \"end\": 116.179, \"score\": 0.974}, {\"word\": \"至\", \"start\": 116.179, \"end\": 116.279, \"score\": 0.919}, {\"word\": \"以\", \"start\": 116.279, \"end\": 116.619, \"score\": 0.917}, {\"word\": \"數\"}, {\"word\": \"倍\", \"start\": 116.619, \"end\": 117.44, \"score\": 0.941}, {\"word\": \"計\"}, {\"word\": \"然\", \"start\": 117.44, \"end\": 117.8, \"score\": 0.817}, {\"word\": \"後\", \"start\": 117.8, \"end\": 118.0, \"score\": 0.899}, {\"word\": \"萬\"}, {\"word\": \"物\", \"start\": 118.0, \"end\": 118.18, \"score\": 0.969}, {\"word\": \"皆\", \"start\": 118.18, \"end\": 118.361, \"score\": 0.887}, {\"word\": \"可\", \"start\": 118.361, \"end\": 119.521, \"score\": 0.868}, {\"word\": \"貸\"}, {\"word\": \"所\", \"start\": 119.521, \"end\": 119.601, \"score\": 0.75}, {\"word\": \"以\", \"start\": 119.601, \"end\": 119.842, \"score\": 0.83}, {\"word\": \"造\", \"start\": 119.842, \"end\": 119.982, \"score\": 0.981}, {\"word\": \"成\", \"start\": 119.982, \"end\": 120.402, \"score\": 0.905}, {\"word\": \"這\"}, {\"word\": \"些\", \"start\": 120.402, \"end\": 120.742, \"score\": 0.998}, {\"word\": \"弊\", \"start\": 120.742, \"end\": 120.902, \"score\": 0.869}, {\"word\": \"端\", \"start\": 120.902, \"end\": 121.903, \"score\": 0.924}, {\"word\": \"請\"}, {\"word\": \"問\"}, {\"word\": \"一\", \"start\": 121.903, \"end\": 122.023, \"score\": 0.998}, {\"word\": \"下\", \"start\": 122.023, \"end\": 122.564, \"score\": 0.963}, {\"word\": \"雖\"}, {\"word\": \"然\", \"start\": 122.564, \"end\": 122.584, \"score\": 0.003}, {\"word\": \"說\"}, {\"word\": \"4\"}, {\"word\": \"月\", \"start\": 122.584, \"end\": 122.624, \"score\": 0.5}, {\"word\": \"初\", \"start\": 122.624, \"end\": 122.644, \"score\": 0.0}, {\"word\": \"開\"}, {\"word\": \"始\", \"start\": 122.644, \"end\": 122.664, \"score\": 0.0}, {\"word\": \"委\", \"start\": 124.525, \"end\": 124.605, \"score\": 0.75}, {\"word\": \"員\"}, {\"word\": \"這\"}, {\"word\": \"樣\"}, {\"word\": \"子\", \"start\": 124.605, \"end\": 124.765, \"score\": 0.874}, {\"word\": \"您\", \"start\": 124.765, \"end\": 124.925, \"score\": 0.874}, {\"word\": \"剛\"}, {\"word\": \"剛\"}, {\"word\": \"垂\", \"start\": 124.925, \"end\": 125.025, \"score\": 0.798}, {\"word\": \"詢\"}, {\"word\": \"的\", \"start\": 125.025, \"end\": 125.145, \"score\": 0.833}, {\"word\": \"有\", \"start\": 125.145, \"end\": 125.225, \"score\": 0.749}, {\"word\": \"一\", \"start\": 125.225, \"end\": 125.265, \"score\": 0.5}, {\"word\": \"些\", \"start\": 125.265, \"end\": 125.386, \"score\": 0.886}, {\"word\": \"部\", \"start\": 125.386, \"end\": 125.426, \"score\": 0.5}, {\"word\": \"分\", \"start\": 125.426, \"end\": 125.526, \"score\": 0.8}, {\"word\": \"其\", \"start\": 125.526, \"end\": 125.566, \"score\": 0.5}, {\"word\": \"實\"}, {\"word\": \"都\", \"start\": 125.566, \"end\": 125.806, \"score\": 0.917}, {\"word\": \"已\", \"start\": 125.806, \"end\": 125.926, \"score\": 0.833}, {\"word\": \"經\"}, {\"word\": \"納\"}, {\"word\": \"入\", \"start\": 125.926, \"end\": 125.986, \"score\": 0.667}, {\"word\": \"了\", \"start\": 125.986, \"end\": 126.006, \"score\": 0.0}, {\"word\": \"我\", \"start\": 126.006, \"end\": 126.046, \"score\": 0.499}, {\"word\": \"是\", \"start\": 126.046, \"end\": 126.126, \"score\": 0.75}, {\"word\": \"不\", \"start\": 126.126, \"end\": 126.166, \"score\": 0.499}, {\"word\": \"是\", \"start\": 126.166, \"end\": 126.306, \"score\": 0.857}, {\"word\": \"可\", \"start\": 126.306, \"end\": 126.526, \"score\": 0.909}, {\"word\": \"以\", \"start\": 126.526, \"end\": 126.666, \"score\": 0.857}, {\"word\": \"請\"}, {\"word\": \"局\", \"start\": 126.666, \"end\": 126.786, \"score\": 0.833}, {\"word\": \"長\"}, {\"word\": \"給\"}, {\"word\": \"您\", \"start\": 126.786, \"end\": 126.926, \"score\": 0.857}, {\"word\": \"比\", \"start\": 126.926, \"end\": 127.006, \"score\": 0.75}, {\"word\": \"較\"}, {\"word\": \"完\", \"start\": 127.006, \"end\": 127.227, \"score\": 0.901}, {\"word\": \"整\", \"start\": 127.227, \"end\": 127.387, \"score\": 0.873}, {\"word\": \"的\", \"start\": 127.387, \"end\": 127.447, \"score\": 0.666}, {\"word\": \"說\"}, {\"word\": \"明\", \"start\": 127.447, \"end\": 127.467, \"score\": 0.0}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 150.578, \"end\": 150.778, \"score\": 0.897}, {\"word\": \"委\", \"start\": 150.778, \"end\": 152.28, \"score\": 0.93}, {\"word\": \"員\"}, {\"word\": \"針\"}, {\"word\": \"對\"}, {\"word\": \"剛\"}, {\"word\": \"剛\"}, {\"word\": \"委\", \"start\": 152.28, \"end\": 152.58, \"score\": 0.901}, {\"word\": \"員\"}, {\"word\": \"所\", \"start\": 152.58, \"end\": 152.841, \"score\": 0.923}, {\"word\": \"提\", \"start\": 152.841, \"end\": 153.041, \"score\": 0.978}, {\"word\": \"的\", \"start\": 153.041, \"end\": 153.341, \"score\": 0.999}, {\"word\": \"尤\", \"start\": 153.341, \"end\": 153.521, \"score\": 0.937}, {\"word\": \"其\", \"start\": 153.521, \"end\": 154.042, \"score\": 0.996}, {\"word\": \"是\", \"start\": 154.042, \"end\": 154.442, \"score\": 0.899}, {\"word\": \"針\"}, {\"word\": \"對\"}, {\"word\": \"弊\", \"start\": 154.442, \"end\": 154.603, \"score\": 0.874}, {\"word\": \"端\", \"start\": 154.603, \"end\": 154.803, \"score\": 0.984}, {\"word\": \"二\", \"start\": 154.803, \"end\": 154.963, \"score\": 0.915}, {\"word\": \"的\", \"start\": 154.963, \"end\": 155.404, \"score\": 0.909}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"部\", \"start\": 155.404, \"end\": 155.604, \"score\": 1.0}, {\"word\": \"分\", \"start\": 155.604, \"end\": 155.804, \"score\": 0.977}, {\"word\": \"超\", \"start\": 155.804, \"end\": 155.964, \"score\": 0.905}, {\"word\": \"高\", \"start\": 155.964, \"end\": 156.104, \"score\": 0.858}, {\"word\": \"利\", \"start\": 156.104, \"end\": 156.265, \"score\": 0.919}, {\"word\": \"率\", \"start\": 156.265, \"end\": 157.045, \"score\": 0.929}, {\"word\": \"違\"}, {\"word\": \"約\"}, {\"word\": \"金\", \"start\": 157.045, \"end\": 157.226, \"score\": 0.912}, {\"word\": \"跟\", \"start\": 157.226, \"end\": 158.467, \"score\": 0.994}, {\"word\": \"延\", \"start\": 158.467, \"end\": 158.828, \"score\": 0.895}, {\"word\": \"遲\"}, {\"word\": \"利\", \"start\": 158.828, \"end\": 159.068, \"score\": 0.967}, {\"word\": \"息\", \"start\": 159.068, \"end\": 159.208, \"score\": 0.854}, {\"word\": \"的\", \"start\": 159.208, \"end\": 159.769, \"score\": 0.927}, {\"word\": \"併\"}, {\"word\": \"給\"}, {\"word\": \"的\", \"start\": 159.769, \"end\": 159.909, \"score\": 0.998}, {\"word\": \"部\", \"start\": 159.909, \"end\": 160.089, \"score\": 1.0}, {\"word\": \"分\", \"start\": 160.089, \"end\": 160.249, \"score\": 0.982}, {\"word\": \"我\", \"start\": 160.249, \"end\": 161.19, \"score\": 0.915}, {\"word\": \"們\"}, {\"word\": \"這\"}, {\"word\": \"邊\"}, {\"word\": \"在\", \"start\": 161.19, \"end\": 161.471, \"score\": 0.992}, {\"word\": \"那\", \"start\": 161.471, \"end\": 162.572, \"score\": 0.981}, {\"word\": \"個\"}, {\"word\": \"主\", \"start\": 162.572, \"end\": 162.692, \"score\": 0.834}, {\"word\": \"任\", \"start\": 162.692, \"end\": 162.832, \"score\": 0.884}, {\"word\": \"公\", \"start\": 162.832, \"end\": 163.152, \"score\": 0.929}, {\"word\": \"會\"}, {\"word\": \"的\", \"start\": 163.152, \"end\": 163.353, \"score\": 0.993}, {\"word\": \"自\", \"start\": 163.353, \"end\": 163.453, \"score\": 0.995}, {\"word\": \"律\", \"start\": 163.453, \"end\": 164.053, \"score\": 0.861}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"裡\"}, {\"word\": \"面\", \"start\": 164.053, \"end\": 164.274, \"score\": 0.999}, {\"word\": \"已\", \"start\": 164.274, \"end\": 164.354, \"score\": 1.0}, {\"word\": \"經\"}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"兩\"}, {\"word\": \"個\"}, {\"word\": \"不\", \"start\": 164.354, \"end\": 164.454, \"score\": 0.8}, {\"word\": \"能\", \"start\": 164.454, \"end\": 164.474, \"score\": 0.0}, {\"word\": \"並\"}, {\"word\": \"行\", \"start\": 164.474, \"end\": 164.494, \"score\": 0.0}, {\"word\": \"然\", \"start\": 164.494, \"end\": 164.534, \"score\": 0.5}, {\"word\": \"後\", \"start\": 164.534, \"end\": 164.794, \"score\": 0.923}, {\"word\": \"再\", \"start\": 164.794, \"end\": 164.814, \"score\": 0.0}, {\"word\": \"來\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"陳\"}, {\"word\": \"述\", \"start\": 168.258, \"end\": 168.418, \"score\": 0.91}, {\"word\": \"無\", \"start\": 168.418, \"end\": 168.598, \"score\": 0.885}, {\"word\": \"限\", \"start\": 168.598, \"end\": 168.838, \"score\": 0.974}, {\"word\": \"制\", \"start\": 168.838, \"end\": 168.998, \"score\": 0.917}, {\"word\": \"甚\", \"start\": 168.998, \"end\": 169.198, \"score\": 0.991}, {\"word\": \"至\", \"start\": 169.198, \"end\": 169.318, \"score\": 0.722}, {\"word\": \"已\", \"start\": 169.318, \"end\": 169.458, \"score\": 0.978}, {\"word\": \"被\", \"start\": 169.458, \"end\": 170.119, \"score\": 0.89}, {\"word\": \"記\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"部\", \"start\": 170.119, \"end\": 170.319, \"score\": 0.999}, {\"word\": \"分\", \"start\": 170.319, \"end\": 170.999, \"score\": 0.959}, {\"word\": \"這\"}, {\"word\": \"涉\", \"start\": 170.999, \"end\": 171.199, \"score\": 0.924}, {\"word\": \"及\", \"start\": 171.199, \"end\": 171.359, \"score\": 0.846}, {\"word\": \"到\", \"start\": 171.359, \"end\": 171.759, \"score\": 0.946}, {\"word\": \"廣\"}, {\"word\": \"告\", \"start\": 171.759, \"end\": 171.959, \"score\": 0.973}, {\"word\": \"不\", \"start\": 171.959, \"end\": 172.839, \"score\": 0.936}, {\"word\": \"實\"}, {\"word\": \"會\"}, {\"word\": \"有\", \"start\": 172.839, \"end\": 173.9, \"score\": 0.888}, {\"word\": \"誤\"}, {\"word\": \"導\"}, {\"word\": \"所\", \"start\": 173.9, \"end\": 174.12, \"score\": 0.909}, {\"word\": \"以\", \"start\": 174.12, \"end\": 174.34, \"score\": 0.798}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"部\", \"start\": 174.34, \"end\": 174.5, \"score\": 0.999}, {\"word\": \"分\", \"start\": 174.5, \"end\": 174.7, \"score\": 0.957}, {\"word\": \"的\", \"start\": 174.7, \"end\": 175.26, \"score\": 0.963}, {\"word\": \"話\"}, {\"word\": \"在\", \"start\": 175.26, \"end\": 175.46, \"score\": 0.988}, {\"word\": \"自\", \"start\": 175.46, \"end\": 175.56, \"score\": 0.811}, {\"word\": \"律\", \"start\": 175.56, \"end\": 176.14, \"score\": 0.873}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"裡\"}, {\"word\": \"面\", \"start\": 176.14, \"end\": 176.38, \"score\": 0.897}, {\"word\": \"也\", \"start\": 176.38, \"end\": 176.56, \"score\": 0.986}, {\"word\": \"要\", \"start\": 176.56, \"end\": 176.94, \"score\": 0.951}, {\"word\": \"求\", \"start\": 176.94, \"end\": 177.521, \"score\": 0.99}, {\"word\": \"主\", \"start\": 177.521, \"end\": 177.641, \"score\": 0.831}, {\"word\": \"任\", \"start\": 177.641, \"end\": 177.801, \"score\": 0.895}, {\"word\": \"公\", \"start\": 177.801, \"end\": 178.061, \"score\": 1.0}, {\"word\": \"司\", \"start\": 178.061, \"end\": 178.761, \"score\": 0.957}, {\"word\": \"對\"}, {\"word\": \"於\", \"start\": 178.761, \"end\": 178.921, \"score\": 0.86}, {\"word\": \"他\", \"start\": 178.921, \"end\": 179.361, \"score\": 0.898}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"行\", \"start\": 179.361, \"end\": 179.921, \"score\": 0.89}, {\"word\": \"銷\"}, {\"word\": \"單\"}, {\"word\": \"位\", \"start\": 179.921, \"end\": 180.101, \"score\": 0.981}, {\"word\": \"因\", \"start\": 180.101, \"end\": 180.361, \"score\": 0.921}, {\"word\": \"為\"}, {\"word\": \"有\", \"start\": 180.361, \"end\": 180.621, \"score\": 0.989}, {\"word\": \"些\", \"start\": 180.621, \"end\": 180.901, \"score\": 0.999}, {\"word\": \"行\", \"start\": 180.901, \"end\": 181.262, \"score\": 0.875}, {\"word\": \"銷\"}, {\"word\": \"的\", \"start\": 181.262, \"end\": 181.642, \"score\": 0.938}, {\"word\": \"廣\"}, {\"word\": \"告\", \"start\": 181.642, \"end\": 181.882, \"score\": 0.98}, {\"word\": \"其\", \"start\": 181.882, \"end\": 182.282, \"score\": 0.903}, {\"word\": \"實\"}, {\"word\": \"是\", \"start\": 182.282, \"end\": 182.662, \"score\": 0.947}, {\"word\": \"他\", \"start\": 182.662, \"end\": 182.822, \"score\": 0.969}, {\"word\": \"的\", \"start\": 182.822, \"end\": 182.962, \"score\": 0.997}, {\"word\": \"代\", \"start\": 182.962, \"end\": 183.322, \"score\": 0.895}, {\"word\": \"辦\"}, {\"word\": \"公\", \"start\": 183.322, \"end\": 183.582, \"score\": 1.0}, {\"word\": \"司\", \"start\": 183.582, \"end\": 183.822, \"score\": 0.997}, {\"word\": \"或\", \"start\": 183.822, \"end\": 183.962, \"score\": 0.83}, {\"word\": \"者\", \"start\": 183.962, \"end\": 184.142, \"score\": 0.888}, {\"word\": \"是\", \"start\": 184.142, \"end\": 184.262, \"score\": 0.933}, {\"word\": \"他\", \"start\": 184.262, \"end\": 184.442, \"score\": 0.982}, {\"word\": \"業\"}, {\"word\": \"務\"}, {\"word\": \"合\", \"start\": 184.442, \"end\": 184.602, \"score\": 0.875}, {\"word\": \"作\", \"start\": 184.602, \"end\": 184.822, \"score\": 0.812}, {\"word\": \"那\", \"start\": 184.822, \"end\": 184.902, \"score\": 0.766}, {\"word\": \"這\"}, {\"word\": \"誰\"}, {\"word\": \"來\"}, {\"word\": \"管\", \"start\": 184.902, \"end\": 184.943, \"score\": 0.499}, {\"word\": \"這\"}, {\"word\": \"廣\"}, {\"word\": \"告\", \"start\": 184.943, \"end\": 185.083, \"score\": 0.856}, {\"word\": \"誰\"}, {\"word\": \"來\"}, {\"word\": \"管\", \"start\": 185.083, \"end\": 185.103, \"score\": 0.0}, {\"word\": \"這\"}, {\"word\": \"有\", \"start\": 186.823, \"end\": 186.843, \"score\": 0.0}, {\"word\": \"罰\"}, {\"word\": \"則\"}, {\"word\": \"嗎\"}, {\"word\": \"?\"}, {\"word\": \"自\", \"start\": 204.337, \"end\": 204.457, \"score\": 0.823}, {\"word\": \"律\", \"start\": 204.457, \"end\": 205.278, \"score\": 0.873}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"這\"}, {\"word\": \"邊\"}, {\"word\": \"的\", \"start\": 205.278, \"end\": 206.038, \"score\": 0.946}, {\"word\": \"罰\"}, {\"word\": \"則\"}, {\"word\": \"就\", \"start\": 206.038, \"end\": 206.198, \"score\": 0.995}, {\"word\": \"是\", \"start\": 206.198, \"end\": 206.378, \"score\": 0.992}, {\"word\": \"他\", \"start\": 206.378, \"end\": 206.918, \"score\": 0.953}, {\"word\": \"們\"}, {\"word\": \"公\", \"start\": 206.918, \"end\": 207.499, \"score\": 0.888}, {\"word\": \"會\"}, {\"word\": \"裡\"}, {\"word\": \"面\", \"start\": 207.499, \"end\": 207.859, \"score\": 0.996}, {\"word\": \"他\", \"start\": 207.859, \"end\": 209.039, \"score\": 0.92}, {\"word\": \"們\"}, {\"word\": \"對\"}, {\"word\": \"會\"}, {\"word\": \"員\"}, {\"word\": \"如\", \"start\": 209.039, \"end\": 209.199, \"score\": 0.981}, {\"word\": \"果\", \"start\": 209.199, \"end\": 209.56, \"score\": 0.92}, {\"word\": \"違\"}, {\"word\": \"反\", \"start\": 209.56, \"end\": 209.8, \"score\": 0.981}, {\"word\": \"自\", \"start\": 209.8, \"end\": 210.06, \"score\": 0.815}, {\"word\": \"律\", \"start\": 210.06, \"end\": 210.78, \"score\": 0.89}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"會\"}, {\"word\": \"有\", \"start\": 210.78, \"end\": 210.98, \"score\": 0.916}, {\"word\": \"什\", \"start\": 210.98, \"end\": 211.44, \"score\": 0.902}, {\"word\": \"麼\"}, {\"word\": \"樣\"}, {\"word\": \"的\", \"start\": 211.44, \"end\": 212.501, \"score\": 0.906}, {\"word\": \"罰\"}, {\"word\": \"則\"}, {\"word\": \"所\", \"start\": 212.501, \"end\": 212.601, \"score\": 0.799}, {\"word\": \"以\", \"start\": 212.601, \"end\": 213.641, \"score\": 0.926}, {\"word\": \"這\"}, {\"word\": \"邊\"}, {\"word\": \"到\", \"start\": 213.641, \"end\": 213.801, \"score\": 0.893}, {\"word\": \"底\", \"start\": 213.801, \"end\": 213.961, \"score\": 0.957}, {\"word\": \"用\", \"start\": 213.961, \"end\": 214.202, \"score\": 0.998}, {\"word\": \"什\", \"start\": 214.202, \"end\": 214.562, \"score\": 0.735}, {\"word\": \"麼\"}, {\"word\": \"樣\"}, {\"word\": \"的\", \"start\": 214.562, \"end\": 215.202, \"score\": 0.908}, {\"word\": \"處\"}, {\"word\": \"罰\"}, {\"word\": \"方\", \"start\": 215.202, \"end\": 215.462, \"score\": 0.817}, {\"word\": \"式\", \"start\": 215.462, \"end\": 216.002, \"score\": 0.897}, {\"word\": \"看\", \"start\": 216.002, \"end\": 216.142, \"score\": 0.667}, {\"word\": \"起\", \"start\": 216.142, \"end\": 216.302, \"score\": 0.859}, {\"word\": \"來\"}, {\"word\": \"沒\", \"start\": 216.302, \"end\": 216.403, \"score\": 0.797}, {\"word\": \"有\", \"start\": 216.403, \"end\": 216.843, \"score\": 0.839}, {\"word\": \"處\"}, {\"word\": \"罰\"}, {\"word\": \"啦\", \"start\": 216.843, \"end\": 217.243, \"score\": 0.849}, {\"word\": \"我\", \"start\": 217.243, \"end\": 217.423, \"score\": 0.982}, {\"word\": \"大\", \"start\": 217.423, \"end\": 217.543, \"score\": 0.911}, {\"word\": \"概\", \"start\": 217.543, \"end\": 217.643, \"score\": 0.945}, {\"word\": \"有\", \"start\": 217.643, \"end\": 217.743, \"score\": 0.793}, {\"word\": \"看\", \"start\": 217.743, \"end\": 217.883, \"score\": 0.913}, {\"word\": \"了\", \"start\": 217.883, \"end\": 217.983, \"score\": 0.828}, {\"word\": \"一\", \"start\": 217.983, \"end\": 218.063, \"score\": 0.979}, {\"word\": \"下\", \"start\": 218.063, \"end\": 218.223, \"score\": 0.981}, {\"word\": \"他\", \"start\": 218.223, \"end\": 218.443, \"score\": 0.817}, {\"word\": \"們\"}, {\"word\": \"的\", \"start\": 218.443, \"end\": 218.984, \"score\": 0.905}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"自\", \"start\": 218.984, \"end\": 219.084, \"score\": 0.828}, {\"word\": \"律\", \"start\": 219.084, \"end\": 219.204, \"score\": 0.86}, {\"word\": \"的\", \"start\": 219.204, \"end\": 219.324, \"score\": 0.964}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"沒\", \"start\": 219.324, \"end\": 219.404, \"score\": 0.75}, {\"word\": \"有\", \"start\": 219.404, \"end\": 219.464, \"score\": 0.666}, {\"word\": \"處\"}, {\"word\": \"罰\"}, {\"word\": \"第\", \"start\": 219.464, \"end\": 219.564, \"score\": 0.799}, {\"word\": \"一\", \"start\": 219.564, \"end\": 219.584, \"score\": 0.0}, {\"word\": \"個\"}, {\"word\": \"沒\", \"start\": 219.584, \"end\": 219.704, \"score\": 0.832}, {\"word\": \"有\", \"start\": 219.704, \"end\": 219.724, \"score\": 0.941}, {\"word\": \"處\"}, {\"word\": \"罰\"}, {\"word\": \"第\", \"start\": 219.724, \"end\": 219.744, \"score\": 0.0}, {\"word\": \"二\", \"start\": 219.744, \"end\": 219.764, \"score\": 0.0}, {\"word\": \"個\"}, {\"word\": \"這\"}, {\"word\": \"有\", \"start\": 222.305, \"end\": 222.465, \"score\": 1.0}, {\"word\": \"溯\", \"start\": 222.465, \"end\": 222.626, \"score\": 0.875}, {\"word\": \"及\", \"start\": 222.626, \"end\": 222.926, \"score\": 0.872}, {\"word\": \"繼\"}, {\"word\": \"往\", \"start\": 222.926, \"end\": 223.887, \"score\": 0.903}, {\"word\": \"嗎\"}, {\"word\": \"?\"}, {\"word\": \"還\"}, {\"word\": \"是\", \"start\": 223.887, \"end\": 224.027, \"score\": 0.872}, {\"word\": \"從\"}, {\"word\": \"4\"}, {\"word\": \"月\", \"start\": 224.027, \"end\": 224.868, \"score\": 0.944}, {\"word\": \"初\", \"start\": 224.868, \"end\": 225.169, \"score\": 0.866}, {\"word\": \"開\"}, {\"word\": \"始\", \"start\": 225.169, \"end\": 225.309, \"score\": 0.998}, {\"word\": \"之\", \"start\": 225.309, \"end\": 225.429, \"score\": 0.997}, {\"word\": \"後\", \"start\": 225.429, \"end\": 225.569, \"score\": 0.856}, {\"word\": \",\"}, {\"word\": \"他\", \"start\": 225.569, \"end\": 225.829, \"score\": 0.84}, {\"word\": \"們\"}, {\"word\": \"自\", \"start\": 225.829, \"end\": 225.929, \"score\": 0.824}, {\"word\": \"律\", \"start\": 225.929, \"end\": 226.61, \"score\": 0.917}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"定\", \"start\": 226.61, \"end\": 226.73, \"score\": 0.9}, {\"word\": \"了\", \"start\": 226.73, \"end\": 226.851, \"score\": 0.833}, {\"word\": \"之\", \"start\": 226.851, \"end\": 226.991, \"score\": 0.997}, {\"word\": \"後\", \"start\": 226.991, \"end\": 227.351, \"score\": 0.944}, {\"word\": \"才\", \"start\": 227.351, \"end\": 227.631, \"score\": 0.924}, {\"word\": \"開\"}, {\"word\": \"始\", \"start\": 227.631, \"end\": 227.792, \"score\": 0.999}, {\"word\": \"?\"}, {\"word\": \"那\", \"start\": 227.792, \"end\": 228.152, \"score\": 0.943}, {\"word\": \"過\"}, {\"word\": \"去\", \"start\": 228.152, \"end\": 228.312, \"score\": 0.996}, {\"word\": \"呢\", \"start\": 228.312, \"end\": 229.193, \"score\": 0.955}, {\"word\": \"?\"}, {\"word\": \"過\"}, {\"word\": \"去\", \"start\": 229.193, \"end\": 229.313, \"score\": 0.999}, {\"word\": \"也\", \"start\": 229.313, \"end\": 229.414, \"score\": 0.921}, {\"word\": \"有\", \"start\": 229.414, \"end\": 229.714, \"score\": 0.933}, {\"word\": \"這\"}, {\"word\": \"些\", \"start\": 229.714, \"end\": 230.495, \"score\": 0.948}, {\"word\": \"超\", \"start\": 230.495, \"end\": 230.635, \"score\": 0.988}, {\"word\": \"高\", \"start\": 230.635, \"end\": 230.775, \"score\": 0.987}, {\"word\": \"利\", \"start\": 230.775, \"end\": 230.915, \"score\": 0.858}, {\"word\": \"率\", \"start\": 230.915, \"end\": 231.136, \"score\": 0.962}, {\"word\": \"啊\", \"start\": 231.136, \"end\": 231.516, \"score\": 0.959}, {\"word\": \",\"}, {\"word\": \"還\"}, {\"word\": \"有\", \"start\": 231.516, \"end\": 231.676, \"score\": 0.873}, {\"word\": \"葛\", \"start\": 231.676, \"end\": 231.796, \"score\": 0.842}, {\"word\": \"泰\", \"start\": 231.796, \"end\": 231.957, \"score\": 0.879}, {\"word\": \"城\", \"start\": 231.957, \"end\": 232.097, \"score\": 0.857}, {\"word\": \"市\", \"start\": 232.097, \"end\": 232.217, \"score\": 0.833}, {\"word\": \"無\", \"start\": 232.217, \"end\": 232.337, \"score\": 0.832}, {\"word\": \"限\", \"start\": 232.337, \"end\": 232.537, \"score\": 0.997}, {\"word\": \"制\", \"start\": 232.537, \"end\": 232.657, \"score\": 0.972}, {\"word\": \"啊\", \"start\": 232.657, \"end\": 232.998, \"score\": 0.964}, {\"word\": \",\"}, {\"word\": \"那\", \"start\": 232.998, \"end\": 233.078, \"score\": 0.999}, {\"word\": \"過\"}, {\"word\": \"去\", \"start\": 233.078, \"end\": 233.098, \"score\": 0.0}, {\"word\": \"的\", \"start\": 233.098, \"end\": 233.158, \"score\": 0.667}, {\"word\": \"呢\", \"start\": 233.158, \"end\": 233.358, \"score\": 0.897}, {\"word\": \"?\"}, {\"word\": \"過\"}, {\"word\": \"去\", \"start\": 233.358, \"end\": 233.478, \"score\": 0.973}, {\"word\": \"的\", \"start\": 233.478, \"end\": 233.578, \"score\": 0.963}, {\"word\": \"有\", \"start\": 233.578, \"end\": 233.618, \"score\": 0.5}, {\"word\": \"辦\"}, {\"word\": \"法\", \"start\": 233.618, \"end\": 233.799, \"score\": 0.889}, {\"word\": \"處\"}, {\"word\": \"理\", \"start\": 233.799, \"end\": 233.819, \"score\": 0.0}, {\"word\": \"嗎\"}, {\"word\": \"?\"}, {\"word\": \"有\", \"start\": 237.961, \"end\": 237.981, \"score\": 0.0}, {\"word\": \"講\"}, {\"word\": \"跟\", \"start\": 237.981, \"end\": 238.021, \"score\": 0.5}, {\"word\": \"沒\", \"start\": 238.021, \"end\": 238.081, \"score\": 0.667}, {\"word\": \"講\"}, {\"word\": \"一\", \"start\": 238.081, \"end\": 238.101, \"score\": 0.0}, {\"word\": \"樣\"}, {\"word\": \"你\", \"start\": 238.101, \"end\": 238.141, \"score\": 0.497}, {\"word\": \"們\"}, {\"word\": \"要\", \"start\": 238.141, \"end\": 238.221, \"score\": 0.748}, {\"word\": \"去\", \"start\": 238.221, \"end\": 238.241, \"score\": 0.0}, {\"word\": \"審\"}, {\"word\": \"視\"}, {\"word\": \"阿\", \"start\": 238.241, \"end\": 238.261, \"score\": 0.0}, {\"word\": \"這\"}, {\"word\": \"過\"}, {\"word\": \"去\", \"start\": 266.379, \"end\": 266.519, \"score\": 0.993}, {\"word\": \"的\", \"start\": 266.519, \"end\": 267.059, \"score\": 0.887}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"規\"}, {\"word\": \"定\", \"start\": 267.059, \"end\": 267.179, \"score\": 0.998}, {\"word\": \"如\", \"start\": 267.179, \"end\": 267.319, \"score\": 0.861}, {\"word\": \"果\", \"start\": 267.319, \"end\": 267.399, \"score\": 0.746}, {\"word\": \"都\", \"start\": 267.399, \"end\": 267.72, \"score\": 0.872}, {\"word\": \"已\", \"start\": 267.72, \"end\": 267.88, \"score\": 0.875}, {\"word\": \"經\"}, {\"word\": \"違\"}, {\"word\": \"法\", \"start\": 267.88, \"end\": 268.42, \"score\": 0.962}, {\"word\": \"違\"}, {\"word\": \"法\", \"start\": 268.42, \"end\": 268.56, \"score\": 0.999}, {\"word\": \"相\", \"start\": 268.56, \"end\": 268.84, \"score\": 0.912}, {\"word\": \"關\"}, {\"word\": \"的\", \"start\": 268.84, \"end\": 269.12, \"score\": 0.862}, {\"word\": \"規\"}, {\"word\": \"定\", \"start\": 269.12, \"end\": 269.38, \"score\": 0.997}, {\"word\": \"那\", \"start\": 269.38, \"end\": 269.54, \"score\": 0.998}, {\"word\": \"怎\", \"start\": 269.54, \"end\": 269.7, \"score\": 0.875}, {\"word\": \"麼\"}, {\"word\": \"可\", \"start\": 269.7, \"end\": 269.78, \"score\": 0.97}, {\"word\": \"以\", \"start\": 269.78, \"end\": 270.02, \"score\": 0.88}, {\"word\": \"說\"}, {\"word\": \"一\", \"start\": 270.02, \"end\": 270.12, \"score\": 0.877}, {\"word\": \"刀\", \"start\": 270.12, \"end\": 270.32, \"score\": 0.91}, {\"word\": \"切\", \"start\": 270.32, \"end\": 270.881, \"score\": 0.92}, {\"word\": \"4\"}, {\"word\": \"月\", \"start\": 270.881, \"end\": 271.321, \"score\": 0.889}, {\"word\": \"4\"}, {\"word\": \"號\"}, {\"word\": \"之\", \"start\": 271.321, \"end\": 271.461, \"score\": 0.988}, {\"word\": \"後\", \"start\": 271.461, \"end\": 271.621, \"score\": 0.873}, {\"word\": \"的\", \"start\": 271.621, \"end\": 272.081, \"score\": 0.956}, {\"word\": \"就\", \"start\": 272.081, \"end\": 272.201, \"score\": 0.999}, {\"word\": \"按\", \"start\": 272.201, \"end\": 272.341, \"score\": 0.987}, {\"word\": \"照\", \"start\": 272.341, \"end\": 272.741, \"score\": 0.892}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"自\", \"start\": 272.741, \"end\": 272.821, \"score\": 0.866}, {\"word\": \"律\", \"start\": 272.821, \"end\": 273.661, \"score\": 0.91}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"4\"}, {\"word\": \"月\", \"start\": 273.661, \"end\": 274.122, \"score\": 0.884}, {\"word\": \"3\"}, {\"word\": \"號\"}, {\"word\": \"之\", \"start\": 274.122, \"end\": 274.262, \"score\": 0.997}, {\"word\": \"前\", \"start\": 274.262, \"end\": 274.422, \"score\": 0.995}, {\"word\": \"的\", \"start\": 274.422, \"end\": 274.542, \"score\": 0.841}, {\"word\": \"呢\", \"start\": 274.542, \"end\": 274.762, \"score\": 0.993}, {\"word\": \"那\", \"start\": 274.762, \"end\": 274.902, \"score\": 0.992}, {\"word\": \"我\", \"start\": 274.902, \"end\": 275.162, \"score\": 0.881}, {\"word\": \"們\"}, {\"word\": \"還\"}, {\"word\": \"是\", \"start\": 275.162, \"end\": 275.262, \"score\": 0.794}, {\"word\": \"按\", \"start\": 275.262, \"end\": 275.342, \"score\": 0.743}, {\"word\": \"照\", \"start\": 275.342, \"end\": 275.682, \"score\": 0.915}, {\"word\": \"舊\"}, {\"word\": \"的\", \"start\": 275.682, \"end\": 276.002, \"score\": 1.0}, {\"word\": \"它\", \"start\": 276.002, \"end\": 276.322, \"score\": 0.875}, {\"word\": \"違\"}, {\"word\": \"法\", \"start\": 276.322, \"end\": 276.442, \"score\": 0.984}, {\"word\": \"就\", \"start\": 276.442, \"end\": 276.742, \"score\": 0.93}, {\"word\": \"違\"}, {\"word\": \"法\", \"start\": 276.742, \"end\": 276.902, \"score\": 0.997}, {\"word\": \"啦\", \"start\": 276.902, \"end\": 278.943, \"score\": 0.806}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"你\", \"start\": 278.943, \"end\": 279.103, \"score\": 0.794}, {\"word\": \"們\"}, {\"word\": \"要\", \"start\": 279.103, \"end\": 279.183, \"score\": 0.897}, {\"word\": \"去\", \"start\": 279.183, \"end\": 279.683, \"score\": 0.91}, {\"word\": \"審\"}, {\"word\": \"視\"}, {\"word\": \"你\", \"start\": 279.683, \"end\": 279.763, \"score\": 0.981}, {\"word\": \"們\"}, {\"word\": \"要\", \"start\": 279.763, \"end\": 280.383, \"score\": 0.856}, {\"word\": \"請\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"諸\"}, {\"word\": \"董\", \"start\": 280.383, \"end\": 280.644, \"score\": 0.846}, {\"word\": \"公\", \"start\": 280.644, \"end\": 280.804, \"score\": 0.988}, {\"word\": \"司\", \"start\": 280.804, \"end\": 280.944, \"score\": 0.999}, {\"word\": \"要\", \"start\": 280.944, \"end\": 281.104, \"score\": 0.846}, {\"word\": \"去\", \"start\": 281.104, \"end\": 281.784, \"score\": 0.844}, {\"word\": \"審\"}, {\"word\": \"視\"}, {\"word\": \"過\"}, {\"word\": \"去\", \"start\": 281.784, \"end\": 281.904, \"score\": 0.997}, {\"word\": \"的\", \"start\": 281.904, \"end\": 282.004, \"score\": 0.994}, {\"word\": \"契\", \"start\": 282.004, \"end\": 282.584, \"score\": 0.958}, {\"word\": \"約\"}, {\"word\": \"如\", \"start\": 282.584, \"end\": 282.704, \"score\": 0.954}, {\"word\": \"果\", \"start\": 282.704, \"end\": 282.824, \"score\": 0.995}, {\"word\": \"有\", \"start\": 282.824, \"end\": 283.144, \"score\": 0.881}, {\"word\": \"違\"}, {\"word\": \"法\", \"start\": 283.144, \"end\": 283.925, \"score\": 0.948}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"相\", \"start\": 283.925, \"end\": 284.285, \"score\": 0.944}, {\"word\": \"關\"}, {\"word\": \"的\", \"start\": 284.285, \"end\": 284.585, \"score\": 0.928}, {\"word\": \"規\"}, {\"word\": \"定\", \"start\": 284.585, \"end\": 284.725, \"score\": 0.981}, {\"word\": \"的\", \"start\": 284.725, \"end\": 285.405, \"score\": 0.926}, {\"word\": \"話\"}, {\"word\": \"那\", \"start\": 285.405, \"end\": 285.765, \"score\": 0.888}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"契\", \"start\": 285.765, \"end\": 286.405, \"score\": 0.938}, {\"word\": \"約\"}, {\"word\": \"就\", \"start\": 286.405, \"end\": 286.645, \"score\": 0.996}, {\"word\": \"應\"}, {\"word\": \"該\"}, {\"word\": \"是\", \"start\": 286.645, \"end\": 287.025, \"score\": 0.894}, {\"word\": \"作\", \"start\": 287.025, \"end\": 287.366, \"score\": 0.889}, {\"word\": \"廢\"}, {\"word\": \"了\", \"start\": 287.366, \"end\": 287.466, \"score\": 0.987}, {\"word\": \"吧\", \"start\": 287.466, \"end\": 287.626, \"score\": 0.989}, {\"word\": \"沒\", \"start\": 287.626, \"end\": 287.726, \"score\": 0.796}, {\"word\": \"有\", \"start\": 287.726, \"end\": 287.826, \"score\": 0.999}, {\"word\": \"效\", \"start\": 287.826, \"end\": 288.026, \"score\": 0.83}, {\"word\": \"了\", \"start\": 288.026, \"end\": 288.126, \"score\": 0.797}, {\"word\": \"吧\", \"start\": 288.126, \"end\": 288.146, \"score\": 0.915}, {\"word\": \"對\"}, {\"word\": \",\"}, {\"word\": \"委\", \"start\": 289.935, \"end\": 290.335, \"score\": 0.914}, {\"word\": \"員\"}, {\"word\": \"我\", \"start\": 290.335, \"end\": 290.996, \"score\": 0.932}, {\"word\": \"剛\"}, {\"word\": \"剛\"}, {\"word\": \"所\", \"start\": 290.996, \"end\": 291.196, \"score\": 0.9}, {\"word\": \"說\"}, {\"word\": \"的\", \"start\": 291.196, \"end\": 291.356, \"score\": 0.987}, {\"word\": \"就\", \"start\": 291.356, \"end\": 291.516, \"score\": 0.999}, {\"word\": \"是\", \"start\": 291.516, \"end\": 291.776, \"score\": 0.999}, {\"word\": \"主\", \"start\": 291.776, \"end\": 291.936, \"score\": 0.879}, {\"word\": \"任\", \"start\": 291.936, \"end\": 292.116, \"score\": 0.925}, {\"word\": \"公\", \"start\": 292.116, \"end\": 292.416, \"score\": 0.999}, {\"word\": \"司\", \"start\": 292.416, \"end\": 292.937, \"score\": 1.0}, {\"word\": \"他\", \"start\": 292.937, \"end\": 293.317, \"score\": 0.996}, {\"word\": \"不\", \"start\": 293.317, \"end\": 293.777, \"score\": 0.956}, {\"word\": \"會\"}, {\"word\": \"因\", \"start\": 293.777, \"end\": 294.317, \"score\": 0.926}, {\"word\": \"為\"}, {\"word\": \"說\"}, {\"word\": \"他\", \"start\": 294.317, \"end\": 294.517, \"score\": 0.9}, {\"word\": \"之\", \"start\": 294.517, \"end\": 294.697, \"score\": 0.999}, {\"word\": \"前\", \"start\": 294.697, \"end\": 294.857, \"score\": 0.996}, {\"word\": \"的\", \"start\": 294.857, \"end\": 295.077, \"score\": 0.999}, {\"word\": \"契\", \"start\": 295.077, \"end\": 295.418, \"score\": 0.932}, {\"word\": \"約\"}, {\"word\": \"已\", \"start\": 295.418, \"end\": 295.778, \"score\": 0.944}, {\"word\": \"經\"}, {\"word\": \"生\", \"start\": 295.778, \"end\": 296.058, \"score\": 0.94}, {\"word\": \"效\", \"start\": 296.058, \"end\": 296.578, \"score\": 0.994}, {\"word\": \"他\", \"start\": 296.578, \"end\": 296.918, \"score\": 0.939}, {\"word\": \"們\"}, {\"word\": \"以\", \"start\": 296.918, \"end\": 297.178, \"score\": 0.985}, {\"word\": \"後\", \"start\": 297.178, \"end\": 297.639, \"score\": 0.913}, {\"word\": \"對\"}, {\"word\": \"於\", \"start\": 297.639, \"end\": 297.779, \"score\": 0.857}, {\"word\": \"消\", \"start\": 297.779, \"end\": 298.279, \"score\": 0.956}, {\"word\": \"費\"}, {\"word\": \"者\", \"start\": 298.279, \"end\": 298.479, \"score\": 0.999}, {\"word\": \"的\", \"start\": 298.479, \"end\": 298.939, \"score\": 0.913}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"部\", \"start\": 298.939, \"end\": 299.139, \"score\": 0.999}, {\"word\": \"分\", \"start\": 299.139, \"end\": 299.319, \"score\": 0.964}, {\"word\": \"的\", \"start\": 299.319, \"end\": 300.18, \"score\": 0.953}, {\"word\": \"話\"}, {\"word\": \"會\"}, {\"word\": \"遵\", \"start\": 300.18, \"end\": 300.46, \"score\": 0.943}, {\"word\": \"守\", \"start\": 300.46, \"end\": 300.7, \"score\": 0.924}, {\"word\": \"最\", \"start\": 300.7, \"end\": 300.94, \"score\": 0.969}, {\"word\": \"新\", \"start\": 300.94, \"end\": 301.18, \"score\": 0.93}, {\"word\": \"的\", \"start\": 301.18, \"end\": 301.42, \"score\": 0.999}, {\"word\": \"自\", \"start\": 301.42, \"end\": 301.64, \"score\": 0.942}, {\"word\": \"律\", \"start\": 301.64, \"end\": 303.181, \"score\": 0.956}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"對\"}, {\"word\": \",\"}, {\"word\": \"那\", \"start\": 303.181, \"end\": 303.341, \"score\": 0.869}, {\"word\": \"我\", \"start\": 303.341, \"end\": 303.681, \"score\": 0.936}, {\"word\": \"是\", \"start\": 303.681, \"end\": 303.901, \"score\": 0.909}, {\"word\": \"說\"}, {\"word\": \"之\", \"start\": 303.901, \"end\": 304.181, \"score\": 0.878}, {\"word\": \"前\", \"start\": 304.181, \"end\": 304.501, \"score\": 0.93}, {\"word\": \"簽\"}, {\"word\": \"的\", \"start\": 304.501, \"end\": 304.601, \"score\": 0.996}, {\"word\": \"約\"}, {\"word\": \"勒\", \"start\": 304.601, \"end\": 305.862, \"score\": 0.963}, {\"word\": \"?\"}, {\"word\": \"對\"}, {\"word\": \",\"}, {\"word\": \"還\"}, {\"word\": \"是\", \"start\": 305.862, \"end\": 306.022, \"score\": 0.992}, {\"word\": \"他\", \"start\": 306.022, \"end\": 306.342, \"score\": 0.936}, {\"word\": \"還\"}, {\"word\": \"是\", \"start\": 306.342, \"end\": 306.622, \"score\": 0.897}, {\"word\": \"會\"}, {\"word\": \"按\", \"start\": 306.622, \"end\": 306.802, \"score\": 0.995}, {\"word\": \"照\", \"start\": 306.802, \"end\": 307.062, \"score\": 0.98}, {\"word\": \"最\", \"start\": 307.062, \"end\": 307.323, \"score\": 0.94}, {\"word\": \"新\", \"start\": 307.323, \"end\": 307.623, \"score\": 0.959}, {\"word\": \"的\", \"start\": 307.623, \"end\": 308.063, \"score\": 0.999}, {\"word\": \"自\", \"start\": 308.063, \"end\": 308.203, \"score\": 0.936}, {\"word\": \"律\", \"start\": 308.203, \"end\": 308.423, \"score\": 0.975}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"所\", \"start\": 308.423, \"end\": 308.583, \"score\": 0.866}, {\"word\": \"以\", \"start\": 308.583, \"end\": 308.683, \"score\": 0.799}, {\"word\": \"意\", \"start\": 308.683, \"end\": 308.843, \"score\": 0.887}, {\"word\": \"思\", \"start\": 308.843, \"end\": 309.003, \"score\": 0.877}, {\"word\": \"是\", \"start\": 309.003, \"end\": 309.123, \"score\": 0.963}, {\"word\": \"說\"}, {\"word\": \"可\", \"start\": 309.123, \"end\": 309.263, \"score\": 0.857}, {\"word\": \"以\", \"start\": 309.263, \"end\": 309.423, \"score\": 0.875}, {\"word\": \"溯\", \"start\": 309.423, \"end\": 309.584, \"score\": 0.875}, {\"word\": \"及\", \"start\": 309.584, \"end\": 309.744, \"score\": 0.877}, {\"word\": \"既\", \"start\": 309.744, \"end\": 309.864, \"score\": 0.85}, {\"word\": \"往\", \"start\": 309.864, \"end\": 309.984, \"score\": 0.862}, {\"word\": \"就\", \"start\": 309.984, \"end\": 310.284, \"score\": 0.906}, {\"word\": \"對\"}, {\"word\": \"了\", \"start\": 310.284, \"end\": 310.644, \"score\": 0.985}, {\"word\": \"?\"}, {\"word\": \"對\"}, {\"word\": \",\"}, {\"word\": \"是\", \"start\": 310.644, \"end\": 311.104, \"score\": 0.955}, {\"word\": \"好\", \"start\": 311.104, \"end\": 311.684, \"score\": 0.965}, {\"word\": \",\"}, {\"word\": \"那\", \"start\": 311.684, \"end\": 311.804, \"score\": 0.978}, {\"word\": \"你\", \"start\": 311.804, \"end\": 311.904, \"score\": 0.985}, {\"word\": \"剛\"}, {\"word\": \"才\", \"start\": 311.904, \"end\": 312.225, \"score\": 0.937}, {\"word\": \"提\", \"start\": 312.225, \"end\": 312.345, \"score\": 0.96}, {\"word\": \"到\", \"start\": 312.345, \"end\": 312.485, \"score\": 0.991}, {\"word\": \"那\", \"start\": 312.485, \"end\": 313.185, \"score\": 0.971}, {\"word\": \"個\"}, {\"word\": \"四\", \"start\": 313.185, \"end\": 313.445, \"score\": 0.881}, {\"word\": \"個\"}, {\"word\": \"弊\", \"start\": 313.445, \"end\": 313.585, \"score\": 0.857}, {\"word\": \"端\", \"start\": 313.585, \"end\": 313.905, \"score\": 0.877}, {\"word\": \"第\", \"start\": 313.905, \"end\": 314.005, \"score\": 0.977}, {\"word\": \"一\", \"start\": 314.005, \"end\": 314.366, \"score\": 0.943}, {\"word\": \"個\"}, {\"word\": \",\"}, {\"word\": \"廉\", \"start\": 314.366, \"end\": 314.526, \"score\": 0.875}, {\"word\": \"政\", \"start\": 314.526, \"end\": 314.706, \"score\": 0.889}, {\"word\": \"死\", \"start\": 314.706, \"end\": 314.826, \"score\": 0.834}, {\"word\": \"角\", \"start\": 314.826, \"end\": 314.926, \"score\": 0.805}, {\"word\": \"你\", \"start\": 314.926, \"end\": 315.026, \"score\": 0.809}, {\"word\": \"沒\", \"start\": 315.026, \"end\": 315.106, \"score\": 0.75}, {\"word\": \"有\", \"start\": 315.106, \"end\": 315.206, \"score\": 0.873}, {\"word\": \"回\", \"start\": 315.206, \"end\": 315.346, \"score\": 1.0}, {\"word\": \"答\", \"start\": 315.346, \"end\": 315.526, \"score\": 0.993}, {\"word\": \"我\", \"start\": 315.526, \"end\": 315.686, \"score\": 0.999}, {\"word\": \"是\", \"start\": 315.686, \"end\": 316.126, \"score\": 0.95}, {\"word\": \"現\"}, {\"word\": \"在\", \"start\": 316.126, \"end\": 316.266, \"score\": 0.999}, {\"word\": \"廉\", \"start\": 316.266, \"end\": 316.446, \"score\": 0.889}, {\"word\": \"政\", \"start\": 316.446, \"end\": 316.706, \"score\": 0.846}, {\"word\": \"還\"}, {\"word\": \"是\", \"start\": 316.706, \"end\": 317.007, \"score\": 0.877}, {\"word\": \"死\", \"start\": 317.007, \"end\": 317.167, \"score\": 0.917}, {\"word\": \"角\", \"start\": 317.167, \"end\": 317.187, \"score\": 0.184}, {\"word\": \"嗎\"}, {\"word\": \"?\"}, {\"word\": \"就\", \"start\": 319.844, \"end\": 319.964, \"score\": 0.834}, {\"word\": \"是\", \"start\": 319.964, \"end\": 320.165, \"score\": 0.9}, {\"word\": \"竹\", \"start\": 320.165, \"end\": 320.285, \"score\": 0.85}, {\"word\": \"林\", \"start\": 320.285, \"end\": 320.425, \"score\": 0.861}, {\"word\": \"公\", \"start\": 320.425, \"end\": 320.626, \"score\": 0.999}, {\"word\": \"司\", \"start\": 320.626, \"end\": 320.766, \"score\": 0.999}, {\"word\": \"跟\", \"start\": 320.766, \"end\": 320.906, \"score\": 0.997}, {\"word\": \"我\", \"start\": 320.906, \"end\": 321.087, \"score\": 0.889}, {\"word\": \"們\"}, {\"word\": \"的\", \"start\": 321.087, \"end\": 321.548, \"score\": 0.912}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"廉\", \"start\": 321.548, \"end\": 321.688, \"score\": 0.858}, {\"word\": \"政\", \"start\": 321.688, \"end\": 321.828, \"score\": 0.871}, {\"word\": \"中\", \"start\": 321.828, \"end\": 322.009, \"score\": 0.999}, {\"word\": \"心\", \"start\": 322.009, \"end\": 322.67, \"score\": 1.0}, {\"word\": \"到\", \"start\": 322.67, \"end\": 322.81, \"score\": 0.993}, {\"word\": \"底\", \"start\": 322.81, \"end\": 322.911, \"score\": 0.835}, {\"word\": \"有\", \"start\": 322.911, \"end\": 323.031, \"score\": 0.997}, {\"word\": \"沒\", \"start\": 323.031, \"end\": 323.111, \"score\": 0.75}, {\"word\": \"有\", \"start\": 323.111, \"end\": 323.131, \"score\": 0.94}, {\"word\": \"連\"}, {\"word\": \"線\"}, {\"word\": \"啊\", \"start\": 323.131, \"end\": 323.151, \"score\": 0.0}, {\"word\": \"?\"}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 324.629, \"end\": 324.869, \"score\": 0.911}, {\"word\": \"委\", \"start\": 324.869, \"end\": 325.57, \"score\": 0.942}, {\"word\": \"員\"}, {\"word\": \"現\"}, {\"word\": \"在\", \"start\": 325.57, \"end\": 325.89, \"score\": 0.961}, {\"word\": \"主\", \"start\": 325.89, \"end\": 325.99, \"score\": 0.801}, {\"word\": \"任\", \"start\": 325.99, \"end\": 326.21, \"score\": 0.975}, {\"word\": \"公\", \"start\": 326.21, \"end\": 326.49, \"score\": 1.0}, {\"word\": \"司\", \"start\": 326.49, \"end\": 326.831, \"score\": 0.999}, {\"word\": \"有\", \"start\": 326.831, \"end\": 326.991, \"score\": 0.936}, {\"word\": \"一\", \"start\": 326.991, \"end\": 327.191, \"score\": 0.9}, {\"word\": \"部\", \"start\": 327.191, \"end\": 327.551, \"score\": 0.995}, {\"word\": \"分\", \"start\": 327.551, \"end\": 328.111, \"score\": 0.979}, {\"word\": \"他\", \"start\": 328.111, \"end\": 328.372, \"score\": 0.99}, {\"word\": \"如\", \"start\": 328.372, \"end\": 328.572, \"score\": 0.998}, {\"word\": \"果\", \"start\": 328.572, \"end\": 328.972, \"score\": 0.947}, {\"word\": \"當\"}, {\"word\": \"他\", \"start\": 328.972, \"end\": 329.212, \"score\": 0.98}, {\"word\": \"需\", \"start\": 329.212, \"end\": 329.412, \"score\": 0.931}, {\"word\": \"要\", \"start\": 329.412, \"end\": 330.713, \"score\": 0.99}, {\"word\": \"消\", \"start\": 330.713, \"end\": 331.033, \"score\": 0.937}, {\"word\": \"費\"}, {\"word\": \"者\", \"start\": 331.033, \"end\": 331.153, \"score\": 0.999}, {\"word\": \"的\", \"start\": 331.153, \"end\": 331.293, \"score\": 0.998}, {\"word\": \"信\", \"start\": 331.293, \"end\": 331.453, \"score\": 1.0}, {\"word\": \"用\", \"start\": 331.453, \"end\": 331.854, \"score\": 0.95}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 331.854, \"end\": 332.054, \"score\": 0.999}, {\"word\": \"因\", \"start\": 332.054, \"end\": 332.394, \"score\": 0.882}, {\"word\": \"為\"}, {\"word\": \"這\"}, {\"word\": \"些\", \"start\": 332.394, \"end\": 332.514, \"score\": 0.844}, {\"word\": \"消\", \"start\": 332.514, \"end\": 332.854, \"score\": 0.94}, {\"word\": \"費\"}, {\"word\": \"者\", \"start\": 332.854, \"end\": 333.034, \"score\": 0.999}, {\"word\": \"希\", \"start\": 333.034, \"end\": 333.235, \"score\": 0.999}, {\"word\": \"望\", \"start\": 333.235, \"end\": 333.435, \"score\": 0.999}, {\"word\": \"有\", \"start\": 333.435, \"end\": 333.615, \"score\": 0.998}, {\"word\": \"取\", \"start\": 333.615, \"end\": 333.755, \"score\": 0.987}, {\"word\": \"得\", \"start\": 333.755, \"end\": 333.915, \"score\": 0.922}, {\"word\": \"信\", \"start\": 333.915, \"end\": 334.095, \"score\": 0.993}, {\"word\": \"用\", \"start\": 334.095, \"end\": 334.515, \"score\": 0.95}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 334.515, \"end\": 334.956, \"score\": 0.961}, {\"word\": \"所\", \"start\": 334.956, \"end\": 335.136, \"score\": 0.889}, {\"word\": \"以\", \"start\": 335.136, \"end\": 335.316, \"score\": 0.888}, {\"word\": \"當\"}, {\"word\": \"他\", \"start\": 335.316, \"end\": 335.476, \"score\": 0.967}, {\"word\": \"如\", \"start\": 335.476, \"end\": 335.636, \"score\": 0.995}, {\"word\": \"果\", \"start\": 335.636, \"end\": 335.836, \"score\": 0.938}, {\"word\": \"跟\", \"start\": 335.836, \"end\": 336.176, \"score\": 0.937}, {\"word\": \"連\"}, {\"word\": \"真\", \"start\": 336.176, \"end\": 336.637, \"score\": 0.968}, {\"word\": \"拿\", \"start\": 336.637, \"end\": 337.137, \"score\": 0.997}, {\"word\": \"消\", \"start\": 337.137, \"end\": 337.457, \"score\": 0.935}, {\"word\": \"費\"}, {\"word\": \"者\", \"start\": 337.457, \"end\": 338.278, \"score\": 0.998}, {\"word\": \"同\", \"start\": 338.278, \"end\": 338.498, \"score\": 0.978}, {\"word\": \"意\", \"start\": 338.498, \"end\": 338.638, \"score\": 0.861}, {\"word\": \"之\", \"start\": 338.638, \"end\": 338.758, \"score\": 0.996}, {\"word\": \"下\", \"start\": 338.758, \"end\": 338.938, \"score\": 0.993}, {\"word\": \"他\", \"start\": 338.938, \"end\": 339.138, \"score\": 0.902}, {\"word\": \"取\", \"start\": 339.138, \"end\": 339.278, \"score\": 0.919}, {\"word\": \"得\", \"start\": 339.278, \"end\": 339.418, \"score\": 0.857}, {\"word\": \"信\", \"start\": 339.418, \"end\": 339.578, \"score\": 0.996}, {\"word\": \"用\", \"start\": 339.578, \"end\": 339.919, \"score\": 0.941}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 339.919, \"end\": 340.079, \"score\": 0.994}, {\"word\": \"的\", \"start\": 340.079, \"end\": 340.439, \"score\": 0.943}, {\"word\": \"時\"}, {\"word\": \"候\", \"start\": 340.439, \"end\": 340.959, \"score\": 0.993}, {\"word\": \"他\", \"start\": 340.959, \"end\": 341.86, \"score\": 0.932}, {\"word\": \"們\"}, {\"word\": \"這\"}, {\"word\": \"邊\"}, {\"word\": \"他\", \"start\": 341.86, \"end\": 342.42, \"score\": 0.926}, {\"word\": \"們\"}, {\"word\": \"會\"}, {\"word\": \"把\", \"start\": 342.42, \"end\": 342.921, \"score\": 0.975}, {\"word\": \"他\", \"start\": 342.921, \"end\": 343.361, \"score\": 0.916}, {\"word\": \"對\"}, {\"word\": \"消\", \"start\": 343.361, \"end\": 343.701, \"score\": 0.938}, {\"word\": \"費\"}, {\"word\": \"者\", \"start\": 343.701, \"end\": 343.841, \"score\": 0.999}, {\"word\": \"的\", \"start\": 343.841, \"end\": 344.401, \"score\": 0.962}, {\"word\": \"那\", \"start\": 344.401, \"end\": 344.902, \"score\": 0.933}, {\"word\": \"個\"}, {\"word\": \"授\", \"start\": 344.902, \"end\": 345.142, \"score\": 0.917}, {\"word\": \"信\", \"start\": 345.142, \"end\": 345.562, \"score\": 0.971}, {\"word\": \"他\", \"start\": 345.562, \"end\": 346.963, \"score\": 0.964}, {\"word\": \"會\"}, {\"word\": \"報\"}, {\"word\": \"到\", \"start\": 346.963, \"end\": 347.403, \"score\": 0.856}, {\"word\": \"連\"}, {\"word\": \"真\", \"start\": 347.403, \"end\": 348.484, \"score\": 0.941}, {\"word\": \"這\"}, {\"word\": \"邊\"}, {\"word\": \"那\", \"start\": 348.484, \"end\": 349.064, \"score\": 0.957}, {\"word\": \"所\", \"start\": 349.064, \"end\": 349.264, \"score\": 0.995}, {\"word\": \"以\", \"start\": 349.264, \"end\": 349.525, \"score\": 0.927}, {\"word\": \"今\", \"start\": 349.525, \"end\": 349.685, \"score\": 0.874}, {\"word\": \"天\", \"start\": 349.685, \"end\": 349.885, \"score\": 0.999}, {\"word\": \"是\", \"start\": 349.885, \"end\": 350.745, \"score\": 0.975}, {\"word\": \"說\"}, {\"word\": \"主\", \"start\": 350.745, \"end\": 350.865, \"score\": 0.853}, {\"word\": \"任\", \"start\": 350.865, \"end\": 351.005, \"score\": 0.867}, {\"word\": \"公\", \"start\": 351.005, \"end\": 351.246, \"score\": 1.0}, {\"word\": \"司\", \"start\": 351.246, \"end\": 351.866, \"score\": 1.0}, {\"word\": \"他\", \"start\": 351.866, \"end\": 352.126, \"score\": 0.995}, {\"word\": \"主\", \"start\": 352.126, \"end\": 352.686, \"score\": 0.958}, {\"word\": \"動\"}, {\"word\": \"去\", \"start\": 352.686, \"end\": 352.707, \"score\": 0.976}, {\"word\": \"去\", \"start\": 353.843, \"end\": 354.063, \"score\": 0.985}, {\"word\": \"跟\", \"start\": 354.063, \"end\": 355.104, \"score\": 0.938}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"比\", \"start\": 355.104, \"end\": 355.224, \"score\": 0.833}, {\"word\": \"如\", \"start\": 355.224, \"end\": 355.864, \"score\": 0.903}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"要\", \"start\": 355.864, \"end\": 356.005, \"score\": 0.873}, {\"word\": \"借\", \"start\": 356.005, \"end\": 356.365, \"score\": 0.865}, {\"word\": \"貸\"}, {\"word\": \"的\", \"start\": 356.365, \"end\": 356.485, \"score\": 0.984}, {\"word\": \"人\", \"start\": 356.485, \"end\": 356.785, \"score\": 1.0}, {\"word\": \"去\", \"start\": 356.785, \"end\": 356.865, \"score\": 0.75}, {\"word\": \"跟\", \"start\": 356.865, \"end\": 356.885, \"score\": 0.006}, {\"word\": \"他\", \"start\": 356.885, \"end\": 357.005, \"score\": 0.831}, {\"word\": \"要\", \"start\": 357.005, \"end\": 357.305, \"score\": 0.929}, {\"word\": \"資\"}, {\"word\": \"料\", \"start\": 357.305, \"end\": 357.966, \"score\": 0.995}, {\"word\": \"他\", \"start\": 357.966, \"end\": 358.146, \"score\": 0.886}, {\"word\": \"才\", \"start\": 358.146, \"end\": 358.326, \"score\": 0.866}, {\"word\": \"去\", \"start\": 358.326, \"end\": 358.827, \"score\": 0.945}, {\"word\": \"對\"}, {\"word\": \"所\", \"start\": 358.827, \"end\": 358.987, \"score\": 0.872}, {\"word\": \"以\", \"start\": 358.987, \"end\": 359.387, \"score\": 0.841}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"就\", \"start\": 359.387, \"end\": 359.507, \"score\": 0.999}, {\"word\": \"是\", \"start\": 359.507, \"end\": 359.607, \"score\": 0.924}, {\"word\": \"沒\", \"start\": 359.607, \"end\": 359.687, \"score\": 0.735}, {\"word\": \"有\", \"start\": 359.687, \"end\": 359.807, \"score\": 0.999}, {\"word\": \"限\", \"start\": 359.807, \"end\": 360.067, \"score\": 0.997}, {\"word\": \"制\", \"start\": 360.067, \"end\": 360.207, \"score\": 0.979}, {\"word\": \"嘛\", \"start\": 360.207, \"end\": 361.428, \"score\": 0.967}, {\"word\": \"對\"}, {\"word\": \"那\", \"start\": 361.428, \"end\": 361.769, \"score\": 0.998}, {\"word\": \"因\", \"start\": 361.769, \"end\": 362.289, \"score\": 0.868}, {\"word\": \"為\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"已\", \"start\": 362.289, \"end\": 362.549, \"score\": 0.846}, {\"word\": \"經\"}, {\"word\": \"取\", \"start\": 362.549, \"end\": 362.729, \"score\": 0.988}, {\"word\": \"得\", \"start\": 362.729, \"end\": 362.909, \"score\": 0.898}, {\"word\": \"消\", \"start\": 362.909, \"end\": 363.29, \"score\": 0.945}, {\"word\": \"費\"}, {\"word\": \"者\", \"start\": 363.29, \"end\": 363.43, \"score\": 0.997}, {\"word\": \"的\", \"start\": 363.43, \"end\": 363.63, \"score\": 0.999}, {\"word\": \"同\", \"start\": 363.63, \"end\": 363.89, \"score\": 0.942}, {\"word\": \"意\", \"start\": 363.89, \"end\": 364.13, \"score\": 0.923}, {\"word\": \"所\", \"start\": 364.13, \"end\": 364.27, \"score\": 0.859}, {\"word\": \"以\", \"start\": 364.27, \"end\": 364.35, \"score\": 0.966}, {\"word\": \"他\", \"start\": 364.35, \"end\": 364.651, \"score\": 0.997}, {\"word\": \"可\", \"start\": 364.651, \"end\": 364.891, \"score\": 0.999}, {\"word\": \"以\", \"start\": 364.891, \"end\": 364.991, \"score\": 0.881}, {\"word\": \"報\"}, {\"word\": \"資\"}, {\"word\": \"料\", \"start\": 364.991, \"end\": 365.871, \"score\": 0.908}, {\"word\": \"那\", \"start\": 365.871, \"end\": 366.052, \"score\": 0.886}, {\"word\": \"我\", \"start\": 366.052, \"end\": 366.212, \"score\": 0.865}, {\"word\": \"認\"}, {\"word\": \"為\"}, {\"word\": \"啦\", \"start\": 366.212, \"end\": 366.572, \"score\": 0.949}, {\"word\": \"我\", \"start\": 366.572, \"end\": 366.712, \"score\": 0.988}, {\"word\": \"一\", \"start\": 366.712, \"end\": 366.832, \"score\": 0.832}, {\"word\": \"般\", \"start\": 366.832, \"end\": 367.032, \"score\": 0.949}, {\"word\": \"跟\", \"start\": 367.032, \"end\": 367.613, \"score\": 0.899}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 367.613, \"end\": 367.793, \"score\": 0.998}, {\"word\": \"借\", \"start\": 367.793, \"end\": 367.993, \"score\": 0.939}, {\"word\": \"款\", \"start\": 367.993, \"end\": 368.173, \"score\": 0.989}, {\"word\": \"啊\", \"start\": 368.173, \"end\": 369.274, \"score\": 0.927}, {\"word\": \"他\", \"start\": 369.274, \"end\": 369.494, \"score\": 0.908}, {\"word\": \"都\", \"start\": 369.494, \"end\": 369.634, \"score\": 0.855}, {\"word\": \"會\"}, {\"word\": \"去\", \"start\": 369.634, \"end\": 370.114, \"score\": 0.9}, {\"word\": \"聯\"}, {\"word\": \"徵\"}, {\"word\": \"嘛\", \"start\": 370.114, \"end\": 370.254, \"score\": 0.856}, {\"word\": \"就\", \"start\": 370.254, \"end\": 370.415, \"score\": 0.885}, {\"word\": \"是\", \"start\": 370.415, \"end\": 370.675, \"score\": 0.787}, {\"word\": \"說\"}, {\"word\": \"看\", \"start\": 370.675, \"end\": 370.815, \"score\": 0.996}, {\"word\": \"我\", \"start\": 370.815, \"end\": 371.095, \"score\": 0.925}, {\"word\": \"個\"}, {\"word\": \"人\", \"start\": 371.095, \"end\": 371.235, \"score\": 0.894}, {\"word\": \"的\", \"start\": 371.235, \"end\": 372.156, \"score\": 0.955}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"借\", \"start\": 372.156, \"end\": 372.696, \"score\": 0.857}, {\"word\": \"貸\"}, {\"word\": \"紀\"}, {\"word\": \"錄\"}, {\"word\": \"是\", \"start\": 372.696, \"end\": 372.816, \"score\": 0.98}, {\"word\": \"怎\", \"start\": 372.816, \"end\": 373.156, \"score\": 0.874}, {\"word\": \"麼\"}, {\"word\": \"樣\"}, {\"word\": \"才\", \"start\": 373.156, \"end\": 373.457, \"score\": 0.932}, {\"word\": \"決\"}, {\"word\": \"定\", \"start\": 373.457, \"end\": 373.757, \"score\": 0.93}, {\"word\": \"說\"}, {\"word\": \"到\", \"start\": 373.757, \"end\": 373.857, \"score\": 0.977}, {\"word\": \"底\", \"start\": 373.857, \"end\": 373.957, \"score\": 0.805}, {\"word\": \"要\", \"start\": 373.957, \"end\": 374.057, \"score\": 0.948}, {\"word\": \"不\", \"start\": 374.057, \"end\": 374.077, \"score\": 0.0}, {\"word\": \"要\", \"start\": 374.077, \"end\": 374.257, \"score\": 0.899}, {\"word\": \"借\", \"start\": 374.257, \"end\": 374.397, \"score\": 0.925}, {\"word\": \"和\", \"start\": 374.397, \"end\": 374.557, \"score\": 0.921}, {\"word\": \"借\", \"start\": 374.557, \"end\": 374.678, \"score\": 0.869}, {\"word\": \"多\", \"start\": 374.678, \"end\": 374.898, \"score\": 0.999}, {\"word\": \"少\", \"start\": 374.898, \"end\": 375.038, \"score\": 0.811}, {\"word\": \"嘛\", \"start\": 375.038, \"end\": 375.478, \"score\": 0.985}, {\"word\": \"那\", \"start\": 375.478, \"end\": 375.718, \"score\": 0.819}, {\"word\": \"為\"}, {\"word\": \"什\", \"start\": 375.718, \"end\": 376.079, \"score\": 0.943}, {\"word\": \"麼\"}, {\"word\": \"租\", \"start\": 376.079, \"end\": 376.319, \"score\": 0.783}, {\"word\": \"賃\"}, {\"word\": \"公\", \"start\": 376.319, \"end\": 376.499, \"score\": 1.0}, {\"word\": \"司\", \"start\": 376.499, \"end\": 376.659, \"score\": 0.988}, {\"word\": \"不\", \"start\": 376.659, \"end\": 376.739, \"score\": 0.995}, {\"word\": \"要\", \"start\": 376.739, \"end\": 376.859, \"score\": 0.997}, {\"word\": \"融\", \"start\": 376.859, \"end\": 377.119, \"score\": 0.847}, {\"word\": \"資\"}, {\"word\": \"公\", \"start\": 377.119, \"end\": 377.299, \"score\": 0.999}, {\"word\": \"司\", \"start\": 377.299, \"end\": 377.439, \"score\": 0.994}, {\"word\": \"不\", \"start\": 377.439, \"end\": 377.54, \"score\": 0.999}, {\"word\": \"用\", \"start\": 377.54, \"end\": 377.7, \"score\": 0.977}, {\"word\": \"勒\", \"start\": 377.7, \"end\": 377.72, \"score\": 0.0}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"我\", \"start\": 378.78, \"end\": 378.86, \"score\": 0.801}, {\"word\": \"的\", \"start\": 378.86, \"end\": 378.9, \"score\": 0.489}, {\"word\": \"意\", \"start\": 378.9, \"end\": 379.101, \"score\": 0.899}, {\"word\": \"思\", \"start\": 379.101, \"end\": 379.281, \"score\": 0.891}, {\"word\": \"是\", \"start\": 379.281, \"end\": 379.741, \"score\": 0.866}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"為\"}, {\"word\": \"什\", \"start\": 379.741, \"end\": 379.901, \"score\": 0.874}, {\"word\": \"麼\"}, {\"word\": \"沒\", \"start\": 379.901, \"end\": 379.981, \"score\": 0.747}, {\"word\": \"有\", \"start\": 379.981, \"end\": 380.281, \"score\": 0.832}, {\"word\": \"強\"}, {\"word\": \"制\", \"start\": 380.281, \"end\": 380.461, \"score\": 0.982}, {\"word\": \"性\", \"start\": 380.461, \"end\": 380.622, \"score\": 0.875}, {\"word\": \"勒\", \"start\": 380.622, \"end\": 381.922, \"score\": 0.952}, {\"word\": \"?\"}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 381.922, \"end\": 382.203, \"score\": 0.815}, {\"word\": \"委\", \"start\": 382.203, \"end\": 382.663, \"score\": 0.949}, {\"word\": \"員\"}, {\"word\": \"那\", \"start\": 382.663, \"end\": 383.283, \"score\": 0.933}, {\"word\": \"個\"}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 383.283, \"end\": 383.503, \"score\": 0.985}, {\"word\": \"因\", \"start\": 383.503, \"end\": 383.784, \"score\": 0.917}, {\"word\": \"為\"}, {\"word\": \"他\", \"start\": 383.784, \"end\": 383.944, \"score\": 0.97}, {\"word\": \"的\", \"start\": 383.944, \"end\": 384.524, \"score\": 0.928}, {\"word\": \"風\"}, {\"word\": \"險\"}, {\"word\": \"控\", \"start\": 384.524, \"end\": 384.724, \"score\": 0.851}, {\"word\": \"管\", \"start\": 384.724, \"end\": 384.924, \"score\": 0.981}, {\"word\": \"非\", \"start\": 384.924, \"end\": 385.104, \"score\": 0.959}, {\"word\": \"常\", \"start\": 385.104, \"end\": 385.264, \"score\": 0.975}, {\"word\": \"的\", \"start\": 385.264, \"end\": 385.625, \"score\": 0.885}, {\"word\": \"嚴\"}, {\"word\": \"格\", \"start\": 385.625, \"end\": 387.066, \"score\": 0.943}, {\"word\": \"對\"}, {\"word\": \"這\"}, {\"word\": \"就\", \"start\": 387.066, \"end\": 387.226, \"score\": 0.901}, {\"word\": \"是\", \"start\": 387.226, \"end\": 387.726, \"score\": 0.878}, {\"word\": \"問\"}, {\"word\": \"題\"}, {\"word\": \"所\", \"start\": 387.726, \"end\": 387.926, \"score\": 0.919}, {\"word\": \"在\", \"start\": 387.926, \"end\": 388.106, \"score\": 0.997}, {\"word\": \"嘛\", \"start\": 388.106, \"end\": 388.286, \"score\": 0.889}, {\"word\": \"我\", \"start\": 388.286, \"end\": 388.507, \"score\": 0.894}, {\"word\": \"們\"}, {\"word\": \"對\"}, {\"word\": \"於\", \"start\": 388.507, \"end\": 388.807, \"score\": 0.93}, {\"word\": \"租\", \"start\": 388.807, \"end\": 389.087, \"score\": 0.859}, {\"word\": \"賃\"}, {\"word\": \"公\", \"start\": 389.087, \"end\": 389.287, \"score\": 0.911}, {\"word\": \"司\", \"start\": 389.287, \"end\": 389.547, \"score\": 0.906}, {\"word\": \"的\", \"start\": 389.547, \"end\": 389.907, \"score\": 0.946}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"控\", \"start\": 389.907, \"end\": 390.088, \"score\": 0.883}, {\"word\": \"管\", \"start\": 390.088, \"end\": 390.588, \"score\": 0.909}, {\"word\": \"風\"}, {\"word\": \"險\"}, {\"word\": \"沒\", \"start\": 390.588, \"end\": 390.948, \"score\": 0.864}, {\"word\": \"有\", \"start\": 390.948, \"end\": 391.148, \"score\": 0.899}, {\"word\": \"這\"}, {\"word\": \"麼\"}, {\"word\": \"嚴\"}, {\"word\": \"格\", \"start\": 391.148, \"end\": 391.308, \"score\": 0.996}, {\"word\": \"啊\", \"start\": 391.308, \"end\": 392.929, \"score\": 0.961}, {\"word\": \"對\"}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 392.929, \"end\": 393.129, \"score\": 0.896}, {\"word\": \"委\", \"start\": 393.129, \"end\": 393.47, \"score\": 0.909}, {\"word\": \"員\"}, {\"word\": \"因\", \"start\": 393.47, \"end\": 393.69, \"score\": 0.909}, {\"word\": \"為\"}, {\"word\": \"租\", \"start\": 393.69, \"end\": 393.97, \"score\": 0.86}, {\"word\": \"賃\"}, {\"word\": \"公\", \"start\": 393.97, \"end\": 394.15, \"score\": 0.999}, {\"word\": \"司\", \"start\": 394.15, \"end\": 394.31, \"score\": 0.998}, {\"word\": \"其\", \"start\": 394.31, \"end\": 394.67, \"score\": 0.922}, {\"word\": \"實\"}, {\"word\": \"我\", \"start\": 394.67, \"end\": 394.891, \"score\": 0.907}, {\"word\": \"們\"}, {\"word\": \"跟\", \"start\": 394.891, \"end\": 395.211, \"score\": 0.863}, {\"word\": \"他\", \"start\": 395.211, \"end\": 395.391, \"score\": 0.779}, {\"word\": \"談\"}, {\"word\": \"的\", \"start\": 395.391, \"end\": 395.731, \"score\": 0.928}, {\"word\": \"過\"}, {\"word\": \"程\", \"start\": 395.731, \"end\": 395.891, \"score\": 0.937}, {\"word\": \"他\", \"start\": 395.891, \"end\": 396.171, \"score\": 0.87}, {\"word\": \"們\"}, {\"word\": \"有\", \"start\": 396.171, \"end\": 396.351, \"score\": 0.999}, {\"word\": \"跟\", \"start\": 396.351, \"end\": 396.472, \"score\": 0.833}, {\"word\": \"我\", \"start\": 396.472, \"end\": 396.692, \"score\": 0.909}, {\"word\": \"們\"}, {\"word\": \"反\", \"start\": 396.692, \"end\": 397.052, \"score\": 0.941}, {\"word\": \"應\"}, {\"word\": \"就\", \"start\": 397.052, \"end\": 397.292, \"score\": 0.999}, {\"word\": \"是\", \"start\": 397.292, \"end\": 397.772, \"score\": 0.956}, {\"word\": \"說\"}, {\"word\": \"因\", \"start\": 397.772, \"end\": 398.173, \"score\": 0.948}, {\"word\": \"為\"}, {\"word\": \"他\", \"start\": 398.173, \"end\": 398.713, \"score\": 0.955}, {\"word\": \"們\"}, {\"word\": \"相\", \"start\": 398.713, \"end\": 398.933, \"score\": 0.999}, {\"word\": \"對\"}, {\"word\": \"於\", \"start\": 398.933, \"end\": 399.213, \"score\": 0.917}, {\"word\": \"其\", \"start\": 399.213, \"end\": 399.373, \"score\": 0.924}, {\"word\": \"他\", \"start\": 399.373, \"end\": 399.554, \"score\": 0.976}, {\"word\": \"的\", \"start\": 399.554, \"end\": 399.874, \"score\": 0.933}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 399.874, \"end\": 400.474, \"score\": 0.98}, {\"word\": \"就\", \"start\": 400.474, \"end\": 400.674, \"score\": 0.993}, {\"word\": \"是\", \"start\": 400.674, \"end\": 401.235, \"score\": 0.999}, {\"word\": \"他\", \"start\": 401.235, \"end\": 401.495, \"score\": 0.979}, {\"word\": \"的\", \"start\": 401.495, \"end\": 402.115, \"score\": 0.998}, {\"word\": \"速\", \"start\": 402.115, \"end\": 402.315, \"score\": 0.902}, {\"word\": \"度\", \"start\": 402.315, \"end\": 402.475, \"score\": 0.893}, {\"word\": \"很\", \"start\": 402.475, \"end\": 402.736, \"score\": 0.99}, {\"word\": \"快\", \"start\": 402.736, \"end\": 402.756, \"score\": 0.43}, {\"word\": \"他\", \"start\": 403.516, \"end\": 403.736, \"score\": 0.931}, {\"word\": \"可\", \"start\": 403.736, \"end\": 403.876, \"score\": 0.912}, {\"word\": \"能\", \"start\": 403.876, \"end\": 404.397, \"score\": 0.961}, {\"word\": \"當\"}, {\"word\": \"天\", \"start\": 404.397, \"end\": 404.657, \"score\": 0.988}, {\"word\": \"就\", \"start\": 404.657, \"end\": 404.777, \"score\": 0.998}, {\"word\": \"沒\", \"start\": 404.777, \"end\": 404.897, \"score\": 0.833}, {\"word\": \"有\", \"start\": 404.897, \"end\": 405.038, \"score\": 0.996}, {\"word\": \"不\", \"start\": 405.038, \"end\": 405.158, \"score\": 1.0}, {\"word\": \"是\", \"start\": 405.158, \"end\": 406.299, \"score\": 0.912}, {\"word\": \"齁\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"問\"}, {\"word\": \"題\"}, {\"word\": \"就\", \"start\": 406.299, \"end\": 406.439, \"score\": 0.998}, {\"word\": \"在\", \"start\": 406.439, \"end\": 406.579, \"score\": 0.92}, {\"word\": \"於\", \"start\": 406.579, \"end\": 407.34, \"score\": 0.921}, {\"word\": \"說\"}, {\"word\": \"齁\"}, {\"word\": \"通\", \"start\": 407.34, \"end\": 407.48, \"score\": 0.928}, {\"word\": \"常\", \"start\": 407.48, \"end\": 407.72, \"score\": 0.975}, {\"word\": \"是\", \"start\": 407.72, \"end\": 408.161, \"score\": 0.999}, {\"word\": \"比\", \"start\": 408.161, \"end\": 408.301, \"score\": 0.857}, {\"word\": \"如\", \"start\": 408.301, \"end\": 408.521, \"score\": 0.909}, {\"word\": \"說\"}, {\"word\": \"信\", \"start\": 408.521, \"end\": 408.641, \"score\": 0.997}, {\"word\": \"用\", \"start\": 408.641, \"end\": 408.801, \"score\": 0.987}, {\"word\": \"可\", \"start\": 408.801, \"end\": 408.922, \"score\": 0.846}, {\"word\": \"能\", \"start\": 408.922, \"end\": 409.002, \"score\": 0.795}, {\"word\": \"不\", \"start\": 409.002, \"end\": 409.122, \"score\": 1.0}, {\"word\": \"是\", \"start\": 409.122, \"end\": 409.242, \"score\": 0.822}, {\"word\": \"很\", \"start\": 409.242, \"end\": 409.382, \"score\": 0.976}, {\"word\": \"好\", \"start\": 409.382, \"end\": 409.542, \"score\": 0.999}, {\"word\": \"的\", \"start\": 409.542, \"end\": 409.682, \"score\": 0.997}, {\"word\": \"人\", \"start\": 409.682, \"end\": 409.903, \"score\": 1.0}, {\"word\": \"他\", \"start\": 409.903, \"end\": 410.163, \"score\": 0.901}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 410.163, \"end\": 410.343, \"score\": 1.0}, {\"word\": \"借\", \"start\": 410.343, \"end\": 410.483, \"score\": 0.992}, {\"word\": \"不\", \"start\": 410.483, \"end\": 410.583, \"score\": 0.963}, {\"word\": \"到\", \"start\": 410.583, \"end\": 410.944, \"score\": 0.942}, {\"word\": \"錢\"}, {\"word\": \"了\", \"start\": 410.944, \"end\": 411.384, \"score\": 1.0}, {\"word\": \"才\", \"start\": 411.384, \"end\": 411.484, \"score\": 0.997}, {\"word\": \"到\", \"start\": 411.484, \"end\": 411.824, \"score\": 0.881}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"租\", \"start\": 411.824, \"end\": 412.065, \"score\": 0.833}, {\"word\": \"賃\"}, {\"word\": \"公\", \"start\": 412.065, \"end\": 412.245, \"score\": 0.908}, {\"word\": \"司\", \"start\": 412.245, \"end\": 412.365, \"score\": 0.835}, {\"word\": \"去\", \"start\": 412.365, \"end\": 412.525, \"score\": 0.996}, {\"word\": \"借\", \"start\": 412.525, \"end\": 412.725, \"score\": 0.9}, {\"word\": \"吧\", \"start\": 412.725, \"end\": 413.466, \"score\": 0.995}, {\"word\": \"那\", \"start\": 413.466, \"end\": 413.606, \"score\": 0.863}, {\"word\": \"所\", \"start\": 413.606, \"end\": 413.706, \"score\": 0.821}, {\"word\": \"以\", \"start\": 413.706, \"end\": 413.927, \"score\": 0.818}, {\"word\": \"說\"}, {\"word\": \"如\", \"start\": 413.927, \"end\": 414.067, \"score\": 0.882}, {\"word\": \"果\", \"start\": 414.067, \"end\": 414.207, \"score\": 0.997}, {\"word\": \"再\", \"start\": 414.207, \"end\": 414.327, \"score\": 0.924}, {\"word\": \"去\", \"start\": 414.327, \"end\": 414.427, \"score\": 0.997}, {\"word\": \"廉\", \"start\": 414.427, \"end\": 414.587, \"score\": 0.875}, {\"word\": \"政\", \"start\": 414.587, \"end\": 414.687, \"score\": 0.8}, {\"word\": \"的\", \"start\": 414.687, \"end\": 414.948, \"score\": 0.889}, {\"word\": \"話\"}, {\"word\": \"那\", \"start\": 414.948, \"end\": 415.068, \"score\": 0.836}, {\"word\": \"大\", \"start\": 415.068, \"end\": 415.168, \"score\": 0.993}, {\"word\": \"概\", \"start\": 415.168, \"end\": 415.288, \"score\": 0.997}, {\"word\": \"就\", \"start\": 415.288, \"end\": 415.668, \"score\": 0.896}, {\"word\": \"過\"}, {\"word\": \"不\", \"start\": 415.668, \"end\": 415.748, \"score\": 0.904}, {\"word\": \"了\", \"start\": 415.748, \"end\": 416.95, \"score\": 0.99}, {\"word\": \"吧\", \"start\": 416.95, \"end\": 417.07, \"score\": 0.827}, {\"word\": \"應\"}, {\"word\": \"該\"}, {\"word\": \"是\", \"start\": 417.07, \"end\": 417.35, \"score\": 0.76}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"原\", \"start\": 417.35, \"end\": 417.47, \"score\": 0.842}, {\"word\": \"因\", \"start\": 417.47, \"end\": 417.67, \"score\": 0.999}, {\"word\": \"吧\", \"start\": 417.67, \"end\": 418.111, \"score\": 0.998}, {\"word\": \"啊\", \"start\": 418.111, \"end\": 418.251, \"score\": 0.856}, {\"word\": \"但\", \"start\": 418.251, \"end\": 418.391, \"score\": 0.857}, {\"word\": \"是\", \"start\": 418.391, \"end\": 418.551, \"score\": 0.885}, {\"word\": \"我\", \"start\": 418.551, \"end\": 418.771, \"score\": 0.909}, {\"word\": \"們\"}, {\"word\": \"是\", \"start\": 418.771, \"end\": 418.872, \"score\": 0.99}, {\"word\": \"認\"}, {\"word\": \"為\"}, {\"word\": \"說\"}, {\"word\": \"當\"}, {\"word\": \"然\", \"start\": 418.872, \"end\": 418.972, \"score\": 0.799}, {\"word\": \"對\"}, {\"word\": \"有\", \"start\": 418.972, \"end\": 419.012, \"score\": 0.5}, {\"word\": \"些\", \"start\": 419.012, \"end\": 419.993, \"score\": 0.939}, {\"word\": \"人\", \"start\": 419.993, \"end\": 420.093, \"score\": 0.816}, {\"word\": \"來\"}, {\"word\": \"講\"}, {\"word\": \"他\", \"start\": 420.093, \"end\": 420.233, \"score\": 0.854}, {\"word\": \"有\", \"start\": 420.233, \"end\": 420.413, \"score\": 0.992}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"需\", \"start\": 420.413, \"end\": 420.553, \"score\": 0.857}, {\"word\": \"求\", \"start\": 420.553, \"end\": 420.573, \"score\": 0.0}, {\"word\": \"但\", \"start\": 422.634, \"end\": 422.814, \"score\": 0.986}, {\"word\": \"是\", \"start\": 422.814, \"end\": 423.395, \"score\": 0.995}, {\"word\": \"如\", \"start\": 423.395, \"end\": 423.535, \"score\": 0.891}, {\"word\": \"果\", \"start\": 423.535, \"end\": 424.375, \"score\": 0.977}, {\"word\": \"說\"}, {\"word\": \"能\", \"start\": 424.375, \"end\": 424.595, \"score\": 0.907}, {\"word\": \"夠\"}, {\"word\": \"跟\", \"start\": 424.595, \"end\": 424.755, \"score\": 0.973}, {\"word\": \"廉\", \"start\": 424.755, \"end\": 424.876, \"score\": 0.833}, {\"word\": \"政\", \"start\": 424.876, \"end\": 425.016, \"score\": 0.857}, {\"word\": \"中\", \"start\": 425.016, \"end\": 425.136, \"score\": 0.997}, {\"word\": \"心\", \"start\": 425.136, \"end\": 425.316, \"score\": 0.999}, {\"word\": \"配\", \"start\": 425.316, \"end\": 425.476, \"score\": 0.997}, {\"word\": \"合\", \"start\": 425.476, \"end\": 425.556, \"score\": 0.966}, {\"word\": \"的\", \"start\": 425.556, \"end\": 426.377, \"score\": 0.95}, {\"word\": \"話\"}, {\"word\": \"那\", \"start\": 426.377, \"end\": 426.497, \"score\": 0.999}, {\"word\": \"至\", \"start\": 426.497, \"end\": 426.597, \"score\": 0.812}, {\"word\": \"少\", \"start\": 426.597, \"end\": 426.757, \"score\": 0.876}, {\"word\": \"租\", \"start\": 426.757, \"end\": 426.997, \"score\": 0.839}, {\"word\": \"賃\"}, {\"word\": \"公\", \"start\": 426.997, \"end\": 427.177, \"score\": 0.999}, {\"word\": \"司\", \"start\": 427.177, \"end\": 427.297, \"score\": 0.843}, {\"word\": \"他\", \"start\": 427.297, \"end\": 427.417, \"score\": 0.837}, {\"word\": \"在\", \"start\": 427.417, \"end\": 427.557, \"score\": 0.999}, {\"word\": \"借\", \"start\": 427.557, \"end\": 427.717, \"score\": 0.771}, {\"word\": \"貸\"}, {\"word\": \"的\", \"start\": 427.717, \"end\": 427.938, \"score\": 0.909}, {\"word\": \"時\"}, {\"word\": \"候\", \"start\": 427.938, \"end\": 428.418, \"score\": 0.958}, {\"word\": \"他\", \"start\": 428.418, \"end\": 428.618, \"score\": 0.963}, {\"word\": \"有\", \"start\": 428.618, \"end\": 428.738, \"score\": 0.998}, {\"word\": \"一\", \"start\": 428.738, \"end\": 429.679, \"score\": 0.978}, {\"word\": \"個\"}, {\"word\": \"比\", \"start\": 429.679, \"end\": 429.819, \"score\": 0.997}, {\"word\": \"例\", \"start\": 429.819, \"end\": 430.019, \"score\": 0.911}, {\"word\": \"嘛\", \"start\": 430.019, \"end\": 430.479, \"score\": 0.975}, {\"word\": \"或\", \"start\": 430.479, \"end\": 430.579, \"score\": 0.817}, {\"word\": \"者\", \"start\": 430.579, \"end\": 430.88, \"score\": 0.862}, {\"word\": \"說\"}, {\"word\": \"我\", \"start\": 430.88, \"end\": 431.0, \"score\": 1.0}, {\"word\": \"大\", \"start\": 431.0, \"end\": 431.1, \"score\": 0.979}, {\"word\": \"概\", \"start\": 431.1, \"end\": 431.24, \"score\": 0.997}, {\"word\": \"可\", \"start\": 431.24, \"end\": 431.32, \"score\": 0.755}, {\"word\": \"以\", \"start\": 431.32, \"end\": 431.4, \"score\": 0.749}, {\"word\": \"借\", \"start\": 431.4, \"end\": 431.52, \"score\": 0.885}, {\"word\": \"多\", \"start\": 431.52, \"end\": 431.72, \"score\": 0.999}, {\"word\": \"少\", \"start\": 431.72, \"end\": 431.98, \"score\": 1.0}, {\"word\": \"不\", \"start\": 431.98, \"end\": 432.08, \"score\": 1.0}, {\"word\": \"是\", \"start\": 432.08, \"end\": 433.501, \"score\": 0.93}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"沒\", \"start\": 433.501, \"end\": 433.601, \"score\": 0.8}, {\"word\": \"有\", \"start\": 433.601, \"end\": 433.722, \"score\": 1.0}, {\"word\": \"限\", \"start\": 433.722, \"end\": 433.942, \"score\": 0.981}, {\"word\": \"制\", \"start\": 433.942, \"end\": 434.102, \"score\": 0.879}, {\"word\": \"那\", \"start\": 434.102, \"end\": 434.282, \"score\": 0.999}, {\"word\": \"甚\", \"start\": 434.282, \"end\": 434.522, \"score\": 0.996}, {\"word\": \"至\", \"start\": 434.522, \"end\": 434.682, \"score\": 0.904}, {\"word\": \"呢\", \"start\": 434.682, \"end\": 435.283, \"score\": 0.998}, {\"word\": \"借\", \"start\": 435.283, \"end\": 435.463, \"score\": 0.958}, {\"word\": \"更\", \"start\": 435.463, \"end\": 435.643, \"score\": 0.995}, {\"word\": \"多\", \"start\": 435.643, \"end\": 435.923, \"score\": 0.913}, {\"word\": \"給\"}, {\"word\": \"他\", \"start\": 435.923, \"end\": 436.904, \"score\": 0.98}, {\"word\": \"那\", \"start\": 436.904, \"end\": 437.084, \"score\": 0.997}, {\"word\": \"形\", \"start\": 437.084, \"end\": 437.264, \"score\": 0.95}, {\"word\": \"成\", \"start\": 437.264, \"end\": 437.424, \"score\": 0.995}, {\"word\": \"一\", \"start\": 437.424, \"end\": 437.824, \"score\": 0.899}, {\"word\": \"種\"}, {\"word\": \"惡\"}, {\"word\": \"性\", \"start\": 437.824, \"end\": 437.984, \"score\": 0.973}, {\"word\": \"的\", \"start\": 437.984, \"end\": 438.084, \"score\": 0.999}, {\"word\": \"循\", \"start\": 438.084, \"end\": 438.104, \"score\": 0.721}, {\"word\": \"環\"}, {\"word\": \"啊\", \"start\": 438.104, \"end\": 438.125, \"score\": 0.0}, {\"word\": \"所\", \"start\": 438.925, \"end\": 439.005, \"score\": 0.752}, {\"word\": \"以\", \"start\": 439.005, \"end\": 439.085, \"score\": 0.688}, {\"word\": \"我\", \"start\": 439.085, \"end\": 439.165, \"score\": 0.759}, {\"word\": \"才\", \"start\": 439.165, \"end\": 439.526, \"score\": 0.83}, {\"word\": \"覺\"}, {\"word\": \"得\", \"start\": 439.526, \"end\": 440.206, \"score\": 0.964}, {\"word\": \"說\"}, {\"word\": \"是\", \"start\": 440.206, \"end\": 440.306, \"score\": 0.793}, {\"word\": \"不\", \"start\": 440.306, \"end\": 440.406, \"score\": 0.952}, {\"word\": \"是\", \"start\": 440.406, \"end\": 440.927, \"score\": 0.913}, {\"word\": \"應\"}, {\"word\": \"該\"}, {\"word\": \"就\", \"start\": 440.927, \"end\": 441.087, \"score\": 0.871}, {\"word\": \"是\", \"start\": 441.087, \"end\": 441.707, \"score\": 0.932}, {\"word\": \"說\"}, {\"word\": \"你\", \"start\": 441.707, \"end\": 441.968, \"score\": 0.852}, {\"word\": \"來\"}, {\"word\": \"借\", \"start\": 441.968, \"end\": 442.148, \"score\": 0.779}, {\"word\": \"貸\"}, {\"word\": \"的\", \"start\": 442.148, \"end\": 442.768, \"score\": 0.875}, {\"word\": \"話\"}, {\"word\": \"你\", \"start\": 442.768, \"end\": 442.908, \"score\": 0.964}, {\"word\": \"每\", \"start\": 442.908, \"end\": 443.169, \"score\": 0.913}, {\"word\": \"個\"}, {\"word\": \"租\", \"start\": 443.169, \"end\": 443.389, \"score\": 0.821}, {\"word\": \"賃\"}, {\"word\": \"公\", \"start\": 443.389, \"end\": 443.549, \"score\": 0.996}, {\"word\": \"司\", \"start\": 443.549, \"end\": 443.669, \"score\": 0.864}, {\"word\": \"你\", \"start\": 443.669, \"end\": 443.749, \"score\": 0.995}, {\"word\": \"就\", \"start\": 443.749, \"end\": 443.889, \"score\": 0.998}, {\"word\": \"必\", \"start\": 443.889, \"end\": 444.129, \"score\": 0.903}, {\"word\": \"須\"}, {\"word\": \"要\", \"start\": 444.129, \"end\": 444.27, \"score\": 0.929}, {\"word\": \"跟\", \"start\": 444.27, \"end\": 444.39, \"score\": 0.93}, {\"word\": \"年\", \"start\": 444.39, \"end\": 444.51, \"score\": 0.913}, {\"word\": \"政\", \"start\": 444.51, \"end\": 444.65, \"score\": 0.857}, {\"word\": \"中\", \"start\": 444.65, \"end\": 444.83, \"score\": 0.858}, {\"word\": \"心\", \"start\": 444.83, \"end\": 445.21, \"score\": 0.942}, {\"word\": \"來\"}, {\"word\": \"做\", \"start\": 445.21, \"end\": 445.37, \"score\": 0.943}, {\"word\": \"一\", \"start\": 445.37, \"end\": 447.793, \"score\": 0.937}, {\"word\": \"個\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"審\"}, {\"word\": \"視\"}, {\"word\": \"就\", \"start\": 447.793, \"end\": 447.933, \"score\": 0.919}, {\"word\": \"是\", \"start\": 447.933, \"end\": 448.093, \"score\": 0.873}, {\"word\": \"說\"}, {\"word\": \"那\", \"start\": 448.093, \"end\": 448.313, \"score\": 0.811}, {\"word\": \"到\", \"start\": 448.313, \"end\": 448.473, \"score\": 0.87}, {\"word\": \"底\", \"start\": 448.473, \"end\": 449.034, \"score\": 0.808}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"來\"}, {\"word\": \"借\", \"start\": 449.034, \"end\": 449.154, \"score\": 0.815}, {\"word\": \"貸\"}, {\"word\": \"的\", \"start\": 449.154, \"end\": 449.354, \"score\": 0.885}, {\"word\": \"人\", \"start\": 449.354, \"end\": 449.834, \"score\": 0.964}, {\"word\": \"那\", \"start\": 449.834, \"end\": 449.934, \"score\": 0.789}, {\"word\": \"到\", \"start\": 449.934, \"end\": 450.034, \"score\": 0.67}, {\"word\": \"底\", \"start\": 450.034, \"end\": 450.155, \"score\": 0.718}, {\"word\": \"信\", \"start\": 450.155, \"end\": 450.295, \"score\": 0.856}, {\"word\": \"用\", \"start\": 450.295, \"end\": 450.395, \"score\": 0.734}, {\"word\": \"有\", \"start\": 450.395, \"end\": 450.415, \"score\": 0.0}, {\"word\": \"沒\", \"start\": 450.415, \"end\": 450.535, \"score\": 0.825}, {\"word\": \"有\", \"start\": 450.535, \"end\": 450.715, \"score\": 0.696}, {\"word\": \"問\"}, {\"word\": \"題\"}, {\"word\": \"啊\", \"start\": 450.715, \"end\": 450.835, \"score\": 0.812}, {\"word\": \"啊\", \"start\": 450.835, \"end\": 451.476, \"score\": 0.855}, {\"word\": \"不\", \"start\": 451.476, \"end\": 451.636, \"score\": 0.853}, {\"word\": \"然\", \"start\": 451.636, \"end\": 451.976, \"score\": 0.824}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"就\", \"start\": 451.976, \"end\": 452.076, \"score\": 0.939}, {\"word\": \"變\"}, {\"word\": \"成\", \"start\": 452.076, \"end\": 452.216, \"score\": 0.782}, {\"word\": \"是\", \"start\": 452.216, \"end\": 452.336, \"score\": 0.791}, {\"word\": \"空\", \"start\": 452.336, \"end\": 452.517, \"score\": 0.936}, {\"word\": \"的\", \"start\": 452.517, \"end\": 452.617, \"score\": 0.826}, {\"word\": \"了\", \"start\": 452.617, \"end\": 452.677, \"score\": 0.961}, {\"word\": \"嘛\", \"start\": 452.677, \"end\": 452.977, \"score\": 0.93}, {\"word\": \"就\", \"start\": 452.977, \"end\": 453.137, \"score\": 0.945}, {\"word\": \"變\"}, {\"word\": \"成\", \"start\": 453.137, \"end\": 453.838, \"score\": 0.894}, {\"word\": \"說\"}, {\"word\": \"我\", \"start\": 453.838, \"end\": 453.978, \"score\": 0.967}, {\"word\": \"的\", \"start\": 453.978, \"end\": 454.498, \"score\": 0.915}, {\"word\": \"信\", \"start\": 454.498, \"end\": 454.638, \"score\": 0.921}, {\"word\": \"用\", \"start\": 454.638, \"end\": 454.798, \"score\": 0.94}, {\"word\": \"不\", \"start\": 454.798, \"end\": 454.899, \"score\": 0.94}, {\"word\": \"好\", \"start\": 454.899, \"end\": 455.019, \"score\": 0.926}, {\"word\": \"啊\", \"start\": 455.019, \"end\": 455.139, \"score\": 0.795}, {\"word\": \"但\", \"start\": 455.139, \"end\": 455.299, \"score\": 0.883}, {\"word\": \"是\", \"start\": 455.299, \"end\": 455.439, \"score\": 0.825}, {\"word\": \"呢\", \"start\": 455.439, \"end\": 455.559, \"score\": 0.833}, {\"word\": \"我\", \"start\": 455.559, \"end\": 455.719, \"score\": 0.839}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 455.719, \"end\": 455.879, \"score\": 0.871}, {\"word\": \"借\", \"start\": 455.879, \"end\": 455.999, \"score\": 0.949}, {\"word\": \"不\", \"start\": 455.999, \"end\": 456.12, \"score\": 0.71}, {\"word\": \"到\", \"start\": 456.12, \"end\": 456.42, \"score\": 0.906}, {\"word\": \"反\", \"start\": 456.42, \"end\": 456.48, \"score\": 0.749}, {\"word\": \"正\", \"start\": 456.48, \"end\": 456.54, \"score\": 0.488}, {\"word\": \"我\", \"start\": 456.54, \"end\": 456.76, \"score\": 0.858}, {\"word\": \"來\"}, {\"word\": \"租\", \"start\": 456.76, \"end\": 456.96, \"score\": 0.816}, {\"word\": \"賃\"}, {\"word\": \"公\", \"start\": 456.96, \"end\": 457.1, \"score\": 0.85}, {\"word\": \"司\", \"start\": 457.1, \"end\": 457.24, \"score\": 0.988}, {\"word\": \"借\", \"start\": 457.24, \"end\": 457.421, \"score\": 0.834}, {\"word\": \"嘛\", \"start\": 457.421, \"end\": 457.441, \"score\": 0.061}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"就\", \"start\": 458.561, \"end\": 459.061, \"score\": 0.96}, {\"word\": \"是\", \"start\": 459.061, \"end\": 459.422, \"score\": 0.941}, {\"word\": \"你\", \"start\": 459.422, \"end\": 460.022, \"score\": 0.966}, {\"word\": \"們\"}, {\"word\": \"要\", \"start\": 460.022, \"end\": 460.322, \"score\": 0.913}, {\"word\": \"去\", \"start\": 460.322, \"end\": 461.203, \"score\": 0.952}, {\"word\": \"處\"}, {\"word\": \"理\", \"start\": 461.203, \"end\": 461.343, \"score\": 0.857}, {\"word\": \"的\", \"start\": 461.343, \"end\": 461.423, \"score\": 0.729}, {\"word\": \"問\"}, {\"word\": \"題\"}, {\"word\": \"嘛\", \"start\": 461.423, \"end\": 461.663, \"score\": 0.914}, {\"word\": \"如\", \"start\": 461.663, \"end\": 461.903, \"score\": 0.916}, {\"word\": \"果\", \"start\": 461.903, \"end\": 462.204, \"score\": 0.928}, {\"word\": \"你\", \"start\": 462.204, \"end\": 462.404, \"score\": 0.89}, {\"word\": \"覺\"}, {\"word\": \"得\", \"start\": 462.404, \"end\": 462.584, \"score\": 0.89}, {\"word\": \"我\", \"start\": 462.584, \"end\": 462.604, \"score\": 0.0}, {\"word\": \"的\", \"start\": 462.604, \"end\": 462.624, \"score\": 0.0}, {\"word\": \"想\", \"start\": 462.624, \"end\": 463.004, \"score\": 0.947}, {\"word\": \"法\", \"start\": 463.004, \"end\": 463.244, \"score\": 0.824}, {\"word\": \"也\", \"start\": 463.244, \"end\": 463.264, \"score\": 0.0}, {\"word\": \"不\", \"start\": 463.264, \"end\": 463.485, \"score\": 0.909}, {\"word\": \"錯\"}, {\"word\": \"那\", \"start\": 463.485, \"end\": 463.505, \"score\": 0.0}, {\"word\": \"也\", \"start\": 463.505, \"end\": 463.525, \"score\": 0.0}, {\"word\": \"可\", \"start\": 463.525, \"end\": 463.585, \"score\": 0.96}, {\"word\": \"以\", \"start\": 463.585, \"end\": 463.605, \"score\": 0.0}, {\"word\": \"說\"}, {\"word\": \"讓\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"現\"}, {\"word\": \"象\", \"start\": 463.605, \"end\": 463.625, \"score\": 0.0}, {\"word\": \"就\", \"start\": 463.625, \"end\": 463.665, \"score\": 0.5}, {\"word\": \"是\", \"start\": 463.665, \"end\": 463.785, \"score\": 0.999}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"三\", \"start\": 463.785, \"end\": 463.865, \"score\": 0.75}, {\"word\": \"道\", \"start\": 463.865, \"end\": 463.925, \"score\": 0.659}, {\"word\": \"猴\", \"start\": 463.925, \"end\": 464.065, \"score\": 0.856}, {\"word\": \"子\", \"start\": 464.065, \"end\": 464.085, \"score\": 0.0}, {\"word\": \"的\", \"start\": 464.085, \"end\": 464.105, \"score\": 0.025}, {\"word\": \"現\"}, {\"word\": \"象\", \"start\": 464.105, \"end\": 464.285, \"score\": 0.889}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"一\", \"start\": 464.285, \"end\": 464.365, \"score\": 0.749}, {\"word\": \"字\", \"start\": 464.365, \"end\": 464.485, \"score\": 0.833}, {\"word\": \"二\", \"start\": 464.485, \"end\": 464.505, \"score\": 0.0}, {\"word\": \"性\", \"start\": 464.505, \"end\": 464.525, \"score\": 0.0}, {\"word\": \"循\", \"start\": 464.525, \"end\": 464.545, \"score\": 0.0}, {\"word\": \"環\"}, {\"word\": \"那\", \"start\": 464.545, \"end\": 464.565, \"score\": 0.0}, {\"word\": \"你\", \"start\": 464.565, \"end\": 464.585, \"score\": 0.0}, {\"word\": \"們\"}, {\"word\": \"就\", \"start\": 464.585, \"end\": 464.906, \"score\": 0.931}, {\"word\": \"應\"}, {\"word\": \"該\"}, {\"word\": \"去\", \"start\": 464.906, \"end\": 465.266, \"score\": 0.944}, {\"word\": \"做\", \"start\": 465.266, \"end\": 465.406, \"score\": 0.857}, {\"word\": \"啊\", \"start\": 465.406, \"end\": 465.426, \"score\": 0.0}, {\"word\": \"委\", \"start\": 483.666, \"end\": 483.786, \"score\": 0.835}, {\"word\": \"員\"}, {\"word\": \"我\", \"start\": 483.786, \"end\": 483.906, \"score\": 0.832}, {\"word\": \"跟\", \"start\": 483.906, \"end\": 484.026, \"score\": 0.835}, {\"word\": \"您\", \"start\": 484.026, \"end\": 484.346, \"score\": 0.875}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 484.346, \"end\": 484.887, \"score\": 0.999}, {\"word\": \"其\", \"start\": 484.887, \"end\": 485.147, \"score\": 0.907}, {\"word\": \"實\"}, {\"word\": \"我\", \"start\": 485.147, \"end\": 485.367, \"score\": 0.83}, {\"word\": \"們\"}, {\"word\": \"有\", \"start\": 485.367, \"end\": 485.747, \"score\": 0.939}, {\"word\": \"處\"}, {\"word\": \"理\", \"start\": 485.747, \"end\": 486.107, \"score\": 0.94}, {\"word\": \"過\"}, {\"word\": \"去\", \"start\": 486.107, \"end\": 486.488, \"score\": 0.999}, {\"word\": \"前\", \"start\": 486.488, \"end\": 486.748, \"score\": 0.897}, {\"word\": \"年\", \"start\": 486.748, \"end\": 487.228, \"score\": 0.935}, {\"word\": \"開\"}, {\"word\": \"始\", \"start\": 487.228, \"end\": 487.468, \"score\": 0.998}, {\"word\": \"因\", \"start\": 487.468, \"end\": 487.928, \"score\": 0.83}, {\"word\": \"為\"}, {\"word\": \"連\"}, {\"word\": \"珍\", \"start\": 487.928, \"end\": 488.069, \"score\": 0.858}, {\"word\": \"是\", \"start\": 488.069, \"end\": 488.569, \"score\": 0.89}, {\"word\": \"會\"}, {\"word\": \"員\"}, {\"word\": \"制\", \"start\": 488.569, \"end\": 489.329, \"score\": 0.989}, {\"word\": \"他\", \"start\": 489.329, \"end\": 489.489, \"score\": 0.946}, {\"word\": \"只\", \"start\": 489.489, \"end\": 489.589, \"score\": 0.828}, {\"word\": \"有\", \"start\": 489.589, \"end\": 489.85, \"score\": 0.919}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 489.85, \"end\": 490.07, \"score\": 0.983}, {\"word\": \"才\", \"start\": 490.07, \"end\": 490.19, \"score\": 0.827}, {\"word\": \"能\", \"start\": 490.19, \"end\": 490.35, \"score\": 0.872}, {\"word\": \"加\", \"start\": 490.35, \"end\": 490.57, \"score\": 0.996}, {\"word\": \"入\", \"start\": 490.57, \"end\": 490.75, \"score\": 0.966}, {\"word\": \"那\", \"start\": 490.75, \"end\": 491.27, \"score\": 0.982}, {\"word\": \"有\", \"start\": 491.27, \"end\": 491.39, \"score\": 0.856}, {\"word\": \"一\", \"start\": 491.39, \"end\": 491.591, \"score\": 0.899}, {\"word\": \"種\"}, {\"word\": \"方\", \"start\": 491.591, \"end\": 491.771, \"score\": 0.999}, {\"word\": \"式\", \"start\": 491.771, \"end\": 491.911, \"score\": 0.906}, {\"word\": \"現\"}, {\"word\": \"在\", \"start\": 491.911, \"end\": 492.131, \"score\": 0.886}, {\"word\": \"就\", \"start\": 492.131, \"end\": 492.271, \"score\": 0.958}, {\"word\": \"是\", \"start\": 492.271, \"end\": 492.631, \"score\": 0.991}, {\"word\": \"像\", \"start\": 492.631, \"end\": 492.811, \"score\": 0.869}, {\"word\": \"那\", \"start\": 492.811, \"end\": 493.772, \"score\": 0.958}, {\"word\": \"種\"}, {\"word\": \"做\", \"start\": 493.772, \"end\": 494.192, \"score\": 0.915}, {\"word\": \"線\"}, {\"word\": \"上\", \"start\": 494.192, \"end\": 494.392, \"score\": 0.998}, {\"word\": \"P\", \"start\": 494.392, \"end\": 494.672, \"score\": 0.854}, {\"word\": \"2\"}, {\"word\": \"P\", \"start\": 494.672, \"end\": 494.772, \"score\": 0.748}, {\"word\": \"的\", \"start\": 494.772, \"end\": 494.893, \"score\": 0.991}, {\"word\": \"公\", \"start\": 494.893, \"end\": 495.153, \"score\": 1.0}, {\"word\": \"司\", \"start\": 495.153, \"end\": 495.333, \"score\": 0.99}, {\"word\": \"我\", \"start\": 495.333, \"end\": 495.913, \"score\": 0.918}, {\"word\": \"們\"}, {\"word\": \"開\"}, {\"word\": \"第\", \"start\": 495.913, \"end\": 496.033, \"score\": 0.975}, {\"word\": \"二\", \"start\": 496.033, \"end\": 496.353, \"score\": 0.919}, {\"word\": \"資\"}, {\"word\": \"料\", \"start\": 496.353, \"end\": 497.254, \"score\": 0.976}, {\"word\": \"庫\"}, {\"word\": \"他\", \"start\": 497.254, \"end\": 497.454, \"score\": 0.967}, {\"word\": \"用\", \"start\": 497.454, \"end\": 498.194, \"score\": 0.94}, {\"word\": \"很\", \"start\": 498.194, \"end\": 498.415, \"score\": 0.981}, {\"word\": \"快\", \"start\": 498.415, \"end\": 498.555, \"score\": 0.98}, {\"word\": \"的\", \"start\": 498.555, \"end\": 498.675, \"score\": 0.997}, {\"word\": \"方\", \"start\": 498.675, \"end\": 498.875, \"score\": 1.0}, {\"word\": \"式\", \"start\": 498.875, \"end\": 498.995, \"score\": 0.994}, {\"word\": \"由\", \"start\": 498.995, \"end\": 499.755, \"score\": 0.918}, {\"word\": \"個\"}, {\"word\": \"人\", \"start\": 499.755, \"end\": 500.876, \"score\": 0.874}, {\"word\": \"去\", \"start\": 500.876, \"end\": 501.796, \"score\": 0.934}, {\"word\": \"申\", \"start\": 501.796, \"end\": 502.017, \"score\": 0.909}, {\"word\": \"請\"}, {\"word\": \"轉\"}, {\"word\": \"借\", \"start\": 502.017, \"end\": 503.197, \"score\": 0.916}, {\"word\": \"給\"}, {\"word\": \"轉\"}, {\"word\": \"交\", \"start\": 503.197, \"end\": 503.778, \"score\": 0.963}, {\"word\": \"給\"}, {\"word\": \"他\", \"start\": 503.778, \"end\": 503.898, \"score\": 0.948}, {\"word\": \"很\", \"start\": 503.898, \"end\": 503.998, \"score\": 0.954}, {\"word\": \"快\", \"start\": 503.998, \"end\": 504.098, \"score\": 0.984}, {\"word\": \"的\", \"start\": 504.098, \"end\": 504.158, \"score\": 0.666}, {\"word\": \"方\", \"start\": 504.158, \"end\": 504.278, \"score\": 0.991}, {\"word\": \"式\", \"start\": 504.278, \"end\": 504.378, \"score\": 0.8}, {\"word\": \"取\", \"start\": 504.378, \"end\": 504.538, \"score\": 0.994}, {\"word\": \"得\", \"start\": 504.538, \"end\": 504.678, \"score\": 0.861}, {\"word\": \"你\", \"start\": 504.678, \"end\": 504.778, \"score\": 0.859}, {\"word\": \"的\", \"start\": 504.778, \"end\": 504.898, \"score\": 0.997}, {\"word\": \"c\", \"start\": 504.898, \"end\": 505.018, \"score\": 0.833}, {\"word\": \"r\", \"start\": 505.018, \"end\": 505.098, \"score\": 0.747}, {\"word\": \"e\", \"start\": 505.098, \"end\": 505.218, \"score\": 0.829}, {\"word\": \"d\", \"start\": 505.218, \"end\": 505.359, \"score\": 0.855}, {\"word\": \"i\", \"start\": 505.359, \"end\": 505.999, \"score\": 0.966}, {\"word\": \"t\", \"start\": 505.999, \"end\": 506.059, \"score\": 0.666}, {\"word\": \"r\", \"start\": 506.059, \"end\": 506.099, \"score\": 0.498}, {\"word\": \"e\", \"start\": 506.099, \"end\": 506.319, \"score\": 0.906}, {\"word\": \"p\", \"start\": 506.319, \"end\": 506.459, \"score\": 0.852}, {\"word\": \"o\", \"start\": 506.459, \"end\": 506.659, \"score\": 0.855}, {\"word\": \"r\", \"start\": 506.659, \"end\": 506.959, \"score\": 0.931}, {\"word\": \"t\", \"start\": 506.959, \"end\": 507.26, \"score\": 0.933}, {\"word\": \"然\", \"start\": 507.26, \"end\": 507.46, \"score\": 0.899}, {\"word\": \"後\", \"start\": 507.46, \"end\": 508.08, \"score\": 0.931}, {\"word\": \"交\", \"start\": 508.08, \"end\": 508.56, \"score\": 0.86}, {\"word\": \"給\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"公\", \"start\": 508.56, \"end\": 508.801, \"score\": 0.974}, {\"word\": \"司\", \"start\": 508.801, \"end\": 509.161, \"score\": 0.972}, {\"word\": \"也\", \"start\": 509.161, \"end\": 509.321, \"score\": 0.882}, {\"word\": \"是\", \"start\": 509.321, \"end\": 509.441, \"score\": 0.877}, {\"word\": \"一\", \"start\": 509.441, \"end\": 509.741, \"score\": 0.93}, {\"word\": \"種\"}, {\"word\": \"方\", \"start\": 509.741, \"end\": 509.941, \"score\": 1.0}, {\"word\": \"式\", \"start\": 509.941, \"end\": 510.321, \"score\": 0.994}, {\"word\": \"不\", \"start\": 510.321, \"end\": 510.461, \"score\": 0.99}, {\"word\": \"直\", \"start\": 510.461, \"end\": 510.602, \"score\": 0.911}, {\"word\": \"接\", \"start\": 510.602, \"end\": 510.842, \"score\": 0.918}, {\"word\": \"取\", \"start\": 510.842, \"end\": 511.042, \"score\": 0.994}, {\"word\": \"得\", \"start\": 511.042, \"end\": 511.162, \"score\": 0.977}, {\"word\": \"但\", \"start\": 511.162, \"end\": 511.342, \"score\": 0.887}, {\"word\": \"是\", \"start\": 511.342, \"end\": 511.462, \"score\": 0.851}, {\"word\": \"由\", \"start\": 511.462, \"end\": 512.082, \"score\": 0.96}, {\"word\": \"個\"}, {\"word\": \"人\", \"start\": 512.082, \"end\": 512.283, \"score\": 0.996}, {\"word\": \"去\", \"start\": 512.283, \"end\": 512.483, \"score\": 0.996}, {\"word\": \"取\", \"start\": 512.483, \"end\": 512.663, \"score\": 0.97}, {\"word\": \"得\", \"start\": 512.663, \"end\": 512.683, \"score\": 0.988}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"你\", \"start\": 513.363, \"end\": 513.903, \"score\": 0.835}, {\"word\": \"們\"}, {\"word\": \"去\", \"start\": 513.903, \"end\": 514.044, \"score\": 0.849}, {\"word\": \"設\"}, {\"word\": \"計\"}, {\"word\": \"嘛\", \"start\": 514.044, \"end\": 514.764, \"score\": 0.976}, {\"word\": \"就\", \"start\": 514.764, \"end\": 514.904, \"score\": 0.891}, {\"word\": \"是\", \"start\": 514.904, \"end\": 515.204, \"score\": 0.889}, {\"word\": \"說\"}, {\"word\": \"我\", \"start\": 515.204, \"end\": 515.324, \"score\": 0.999}, {\"word\": \"是\", \"start\": 515.324, \"end\": 515.464, \"score\": 0.86}, {\"word\": \"希\", \"start\": 515.464, \"end\": 515.544, \"score\": 0.903}, {\"word\": \"望\", \"start\": 515.544, \"end\": 516.085, \"score\": 0.931}, {\"word\": \"說\"}, {\"word\": \"這\"}, {\"word\": \"一\", \"start\": 516.085, \"end\": 517.986, \"score\": 0.958}, {\"word\": \"個\"}, {\"word\": \"連\"}, {\"word\": \"徵\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"有\", \"start\": 517.986, \"end\": 518.526, \"score\": 0.887}, {\"word\": \"關\"}, {\"word\": \"信\", \"start\": 518.526, \"end\": 518.726, \"score\": 1.0}, {\"word\": \"用\", \"start\": 518.726, \"end\": 520.267, \"score\": 0.934}, {\"word\": \"記\"}, {\"word\": \"錄\"}, {\"word\": \"這\"}, {\"word\": \"方\", \"start\": 520.267, \"end\": 520.407, \"score\": 0.986}, {\"word\": \"面\", \"start\": 520.407, \"end\": 520.987, \"score\": 0.994}, {\"word\": \"你\", \"start\": 520.987, \"end\": 521.167, \"score\": 0.871}, {\"word\": \"們\"}, {\"word\": \"也\", \"start\": 521.167, \"end\": 521.187, \"score\": 0.004}, {\"word\": \"要\", \"start\": 521.187, \"end\": 521.367, \"score\": 0.93}, {\"word\": \"做\", \"start\": 521.367, \"end\": 521.667, \"score\": 0.916}, {\"word\": \"處\"}, {\"word\": \"理\", \"start\": 521.667, \"end\": 521.767, \"score\": 0.988}, {\"word\": \"啊\", \"start\": 521.767, \"end\": 522.228, \"score\": 0.968}, {\"word\": \"就\", \"start\": 522.228, \"end\": 522.388, \"score\": 0.872}, {\"word\": \"是\", \"start\": 522.388, \"end\": 522.708, \"score\": 0.926}, {\"word\": \"說\"}, {\"word\": \"你\", \"start\": 522.708, \"end\": 522.788, \"score\": 0.987}, {\"word\": \"不\", \"start\": 522.788, \"end\": 522.868, \"score\": 0.93}, {\"word\": \"能\", \"start\": 522.868, \"end\": 522.948, \"score\": 0.756}, {\"word\": \"跟\", \"start\": 522.948, \"end\": 523.028, \"score\": 0.843}, {\"word\": \"我\", \"start\": 523.028, \"end\": 524.249, \"score\": 0.856}, {\"word\": \"講\"}, {\"word\": \"說\"}, {\"word\": \"那\", \"start\": 524.249, \"end\": 524.389, \"score\": 0.857}, {\"word\": \"會\"}, {\"word\": \"員\"}, {\"word\": \"不\", \"start\": 524.389, \"end\": 524.489, \"score\": 0.998}, {\"word\": \"是\", \"start\": 524.489, \"end\": 524.949, \"score\": 0.824}, {\"word\": \"會\"}, {\"word\": \"員\"}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 524.949, \"end\": 525.089, \"score\": 0.891}, {\"word\": \"才\", \"start\": 525.089, \"end\": 525.209, \"score\": 0.944}, {\"word\": \"是\", \"start\": 525.209, \"end\": 525.449, \"score\": 0.828}, {\"word\": \"會\"}, {\"word\": \"員\"}, {\"word\": \"才\", \"start\": 525.449, \"end\": 525.569, \"score\": 0.827}, {\"word\": \"可\", \"start\": 525.569, \"end\": 525.67, \"score\": 0.801}, {\"word\": \"以\", \"start\": 525.67, \"end\": 525.79, \"score\": 0.833}, {\"word\": \"加\", \"start\": 525.79, \"end\": 525.99, \"score\": 0.984}, {\"word\": \"入\", \"start\": 525.99, \"end\": 526.15, \"score\": 0.87}, {\"word\": \"啊\", \"start\": 526.15, \"end\": 526.17, \"score\": 0.208}, {\"word\": \"我\", \"start\": 527.965, \"end\": 528.125, \"score\": 0.834}, {\"word\": \"的\", \"start\": 528.125, \"end\": 528.265, \"score\": 0.994}, {\"word\": \"想\", \"start\": 528.265, \"end\": 528.466, \"score\": 0.995}, {\"word\": \"法\", \"start\": 528.466, \"end\": 528.586, \"score\": 0.996}, {\"word\": \"就\", \"start\": 528.586, \"end\": 528.846, \"score\": 0.898}, {\"word\": \"是\", \"start\": 528.846, \"end\": 529.006, \"score\": 0.875}, {\"word\": \"說\"}, {\"word\": \"你\", \"start\": 529.006, \"end\": 529.106, \"score\": 0.909}, {\"word\": \"要\", \"start\": 529.106, \"end\": 529.286, \"score\": 0.997}, {\"word\": \"去\", \"start\": 529.286, \"end\": 529.786, \"score\": 0.997}, {\"word\": \"看\", \"start\": 529.786, \"end\": 530.066, \"score\": 0.927}, {\"word\": \"說\"}, {\"word\": \"那\", \"start\": 530.066, \"end\": 530.266, \"score\": 0.899}, {\"word\": \"個\"}, {\"word\": \"人\", \"start\": 530.266, \"end\": 530.386, \"score\": 0.998}, {\"word\": \"借\", \"start\": 530.386, \"end\": 530.506, \"score\": 0.868}, {\"word\": \"貸\"}, {\"word\": \"的\", \"start\": 530.506, \"end\": 530.706, \"score\": 0.898}, {\"word\": \"信\", \"start\": 530.706, \"end\": 530.867, \"score\": 0.986}, {\"word\": \"錄\"}, {\"word\": \"那\", \"start\": 530.867, \"end\": 531.767, \"score\": 0.913}, {\"word\": \"個\"}, {\"word\": \"信\", \"start\": 531.767, \"end\": 531.927, \"score\": 0.996}, {\"word\": \"用\", \"start\": 531.927, \"end\": 532.047, \"score\": 0.998}, {\"word\": \"到\", \"start\": 532.047, \"end\": 532.167, \"score\": 0.947}, {\"word\": \"底\", \"start\": 532.167, \"end\": 532.287, \"score\": 0.837}, {\"word\": \"是\", \"start\": 532.287, \"end\": 532.407, \"score\": 0.851}, {\"word\": \"怎\", \"start\": 532.407, \"end\": 533.067, \"score\": 0.923}, {\"word\": \"麼\"}, {\"word\": \"樣\"}, {\"word\": \"那\", \"start\": 533.067, \"end\": 533.167, \"score\": 0.997}, {\"word\": \"如\", \"start\": 533.167, \"end\": 533.248, \"score\": 0.755}, {\"word\": \"果\", \"start\": 533.248, \"end\": 533.368, \"score\": 0.789}, {\"word\": \"不\", \"start\": 533.368, \"end\": 533.488, \"score\": 0.958}, {\"word\": \"好\", \"start\": 533.488, \"end\": 533.588, \"score\": 0.998}, {\"word\": \"的\", \"start\": 533.588, \"end\": 533.768, \"score\": 0.851}, {\"word\": \"話\"}, {\"word\": \"你\", \"start\": 533.768, \"end\": 533.908, \"score\": 0.866}, {\"word\": \"不\", \"start\": 533.908, \"end\": 534.428, \"score\": 0.884}, {\"word\": \"應\"}, {\"word\": \"該\"}, {\"word\": \"一\", \"start\": 534.428, \"end\": 534.568, \"score\": 0.863}, {\"word\": \"直\", \"start\": 534.568, \"end\": 534.688, \"score\": 0.822}, {\"word\": \"在\", \"start\": 534.688, \"end\": 534.868, \"score\": 0.835}, {\"word\": \"借\", \"start\": 534.868, \"end\": 535.048, \"score\": 0.931}, {\"word\": \"他\", \"start\": 535.048, \"end\": 535.789, \"score\": 0.997}, {\"word\": \"那\", \"start\": 535.789, \"end\": 536.049, \"score\": 0.915}, {\"word\": \"當\"}, {\"word\": \"然\", \"start\": 536.049, \"end\": 536.269, \"score\": 0.818}, {\"word\": \"說\"}, {\"word\": \"租\", \"start\": 536.269, \"end\": 536.449, \"score\": 0.781}, {\"word\": \"賃\"}, {\"word\": \"公\", \"start\": 536.449, \"end\": 536.609, \"score\": 0.936}, {\"word\": \"司\", \"start\": 536.609, \"end\": 536.689, \"score\": 0.751}, {\"word\": \"要\", \"start\": 536.689, \"end\": 536.829, \"score\": 0.997}, {\"word\": \"賺\"}, {\"word\": \"錢\"}, {\"word\": \"那\", \"start\": 536.829, \"end\": 537.769, \"score\": 0.946}, {\"word\": \"可\", \"start\": 537.769, \"end\": 537.889, \"score\": 0.986}, {\"word\": \"是\", \"start\": 537.889, \"end\": 538.15, \"score\": 0.817}, {\"word\": \"對\"}, {\"word\": \"那\", \"start\": 538.15, \"end\": 538.37, \"score\": 0.888}, {\"word\": \"個\"}, {\"word\": \"人\", \"start\": 538.37, \"end\": 539.07, \"score\": 0.937}, {\"word\": \"來\"}, {\"word\": \"講\"}, {\"word\": \"他\", \"start\": 539.07, \"end\": 539.23, \"score\": 0.914}, {\"word\": \"可\", \"start\": 539.23, \"end\": 539.33, \"score\": 0.864}, {\"word\": \"能\", \"start\": 539.33, \"end\": 540.09, \"score\": 0.948}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"沒\", \"start\": 540.09, \"end\": 540.51, \"score\": 0.855}, {\"word\": \"有\", \"start\": 540.51, \"end\": 540.631, \"score\": 0.999}, {\"word\": \"任\", \"start\": 540.631, \"end\": 540.771, \"score\": 0.853}, {\"word\": \"何\", \"start\": 540.771, \"end\": 540.891, \"score\": 0.938}, {\"word\": \"的\", \"start\": 540.891, \"end\": 540.991, \"score\": 0.883}, {\"word\": \"限\", \"start\": 540.991, \"end\": 541.151, \"score\": 0.983}, {\"word\": \"制\", \"start\": 541.151, \"end\": 541.251, \"score\": 0.761}, {\"word\": \"的\", \"start\": 541.251, \"end\": 541.351, \"score\": 0.995}, {\"word\": \"情\", \"start\": 541.351, \"end\": 541.611, \"score\": 0.922}, {\"word\": \"況\"}, {\"word\": \"之\", \"start\": 541.611, \"end\": 541.771, \"score\": 0.874}, {\"word\": \"下\", \"start\": 541.771, \"end\": 542.151, \"score\": 0.995}, {\"word\": \"可\", \"start\": 542.151, \"end\": 542.231, \"score\": 0.904}, {\"word\": \"能\", \"start\": 542.231, \"end\": 542.251, \"score\": 0.0}, {\"word\": \"越\", \"start\": 542.251, \"end\": 542.411, \"score\": 0.967}, {\"word\": \"借\", \"start\": 542.411, \"end\": 542.531, \"score\": 0.828}, {\"word\": \"越\", \"start\": 542.531, \"end\": 542.671, \"score\": 0.864}, {\"word\": \"多\", \"start\": 542.671, \"end\": 542.811, \"score\": 0.998}, {\"word\": \"啊\", \"start\": 542.811, \"end\": 543.112, \"score\": 0.929}, {\"word\": \"越\", \"start\": 543.112, \"end\": 543.252, \"score\": 0.843}, {\"word\": \"欠\", \"start\": 543.252, \"end\": 543.432, \"score\": 0.75}, {\"word\": \"越\", \"start\": 543.432, \"end\": 543.592, \"score\": 0.885}, {\"word\": \"多\", \"start\": 543.592, \"end\": 543.772, \"score\": 0.996}, {\"word\": \"啊\", \"start\": 543.772, \"end\": 543.792, \"score\": 0.028}, {\"word\": \"委\", \"start\": 546.275, \"end\": 546.415, \"score\": 0.855}, {\"word\": \"員\"}, {\"word\": \"我\", \"start\": 546.415, \"end\": 546.635, \"score\": 0.851}, {\"word\": \"想\", \"start\": 546.635, \"end\": 546.855, \"score\": 0.918}, {\"word\": \"您\", \"start\": 546.855, \"end\": 547.296, \"score\": 0.971}, {\"word\": \"垂\", \"start\": 547.296, \"end\": 547.636, \"score\": 0.909}, {\"word\": \"訊\"}, {\"word\": \"的\", \"start\": 547.636, \"end\": 547.736, \"score\": 0.9}, {\"word\": \"地\", \"start\": 547.736, \"end\": 547.876, \"score\": 1.0}, {\"word\": \"方\", \"start\": 547.876, \"end\": 548.096, \"score\": 1.0}, {\"word\": \"我\", \"start\": 548.096, \"end\": 548.897, \"score\": 0.948}, {\"word\": \"們\"}, {\"word\": \"會\"}, {\"word\": \"去\", \"start\": 548.897, \"end\": 549.437, \"score\": 0.96}, {\"word\": \"努\", \"start\": 549.437, \"end\": 549.617, \"score\": 0.999}, {\"word\": \"力\", \"start\": 549.617, \"end\": 549.757, \"score\": 0.987}, {\"word\": \"跟\", \"start\": 549.757, \"end\": 549.998, \"score\": 0.965}, {\"word\": \"公\", \"start\": 549.998, \"end\": 550.438, \"score\": 0.87}, {\"word\": \"會\"}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 550.438, \"end\": 550.618, \"score\": 0.991}, {\"word\": \"公\", \"start\": 550.618, \"end\": 551.078, \"score\": 0.898}, {\"word\": \"會\"}, {\"word\": \"跟\", \"start\": 551.078, \"end\": 551.218, \"score\": 0.873}, {\"word\": \"那\", \"start\": 551.218, \"end\": 551.379, \"score\": 0.868}, {\"word\": \"個\"}, {\"word\": \"廉\", \"start\": 551.379, \"end\": 551.579, \"score\": 0.901}, {\"word\": \"政\", \"start\": 551.579, \"end\": 551.759, \"score\": 0.888}, {\"word\": \"中\", \"start\": 551.759, \"end\": 551.919, \"score\": 0.974}, {\"word\": \"心\", \"start\": 551.919, \"end\": 552.099, \"score\": 0.98}, {\"word\": \"那\", \"start\": 552.099, \"end\": 552.419, \"score\": 0.878}, {\"word\": \"邊\"}, {\"word\": \"去\", \"start\": 552.419, \"end\": 553.62, \"score\": 0.938}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"你\", \"start\": 553.62, \"end\": 553.92, \"score\": 0.925}, {\"word\": \"們\"}, {\"word\": \"要\", \"start\": 553.92, \"end\": 554.1, \"score\": 0.999}, {\"word\": \"去\", \"start\": 554.1, \"end\": 554.461, \"score\": 0.928}, {\"word\": \"處\"}, {\"word\": \"理\", \"start\": 554.461, \"end\": 555.081, \"score\": 1.0}, {\"word\": \"我\", \"start\": 555.081, \"end\": 555.321, \"score\": 0.917}, {\"word\": \"覺\"}, {\"word\": \"得\", \"start\": 555.321, \"end\": 555.461, \"score\": 0.857}, {\"word\": \"你\", \"start\": 555.461, \"end\": 555.641, \"score\": 0.887}, {\"word\": \"們\"}, {\"word\": \"要\", \"start\": 555.641, \"end\": 555.762, \"score\": 1.0}, {\"word\": \"去\", \"start\": 555.762, \"end\": 556.082, \"score\": 0.875}, {\"word\": \"處\"}, {\"word\": \"理\", \"start\": 556.082, \"end\": 556.622, \"score\": 1.0}, {\"word\": \"好\", \"start\": 556.622, \"end\": 556.722, \"score\": 0.998}, {\"word\": \"不\", \"start\": 556.722, \"end\": 556.842, \"score\": 0.966}, {\"word\": \"好\", \"start\": 556.842, \"end\": 557.343, \"score\": 0.999}, {\"word\": \"就\", \"start\": 557.343, \"end\": 557.403, \"score\": 0.986}, {\"word\": \"有\", \"start\": 557.403, \"end\": 558.163, \"score\": 0.872}, {\"word\": \"關\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"信\", \"start\": 558.163, \"end\": 558.323, \"score\": 0.994}, {\"word\": \"用\", \"start\": 558.323, \"end\": 558.463, \"score\": 0.93}, {\"word\": \"廉\", \"start\": 558.463, \"end\": 558.644, \"score\": 0.89}, {\"word\": \"政\", \"start\": 558.644, \"end\": 558.944, \"score\": 0.868}, {\"word\": \"這\"}, {\"word\": \"部\", \"start\": 558.944, \"end\": 559.104, \"score\": 1.0}, {\"word\": \"分\", \"start\": 559.104, \"end\": 559.784, \"score\": 0.995}, {\"word\": \"可\", \"start\": 559.784, \"end\": 559.884, \"score\": 0.886}, {\"word\": \"不\", \"start\": 559.884, \"end\": 559.964, \"score\": 0.758}, {\"word\": \"可\", \"start\": 559.964, \"end\": 559.984, \"score\": 0.0}, {\"word\": \"以\", \"start\": 559.984, \"end\": 560.024, \"score\": 0.5}, {\"word\": \"去\", \"start\": 560.024, \"end\": 560.325, \"score\": 0.892}, {\"word\": \"處\"}, {\"word\": \"理\", \"start\": 560.325, \"end\": 562.226, \"score\": 0.998}, {\"word\": \"其\", \"start\": 562.226, \"end\": 562.826, \"score\": 0.959}, {\"word\": \"實\"}, {\"word\": \"也\", \"start\": 562.826, \"end\": 562.966, \"score\": 0.857}, {\"word\": \"要\", \"start\": 562.966, \"end\": 563.207, \"score\": 1.0}, {\"word\": \"看\", \"start\": 563.207, \"end\": 564.227, \"score\": 0.98}, {\"word\": \"租\", \"start\": 564.227, \"end\": 564.387, \"score\": 0.875}, {\"word\": \"用\", \"start\": 564.387, \"end\": 564.568, \"score\": 0.889}, {\"word\": \"公\", \"start\": 564.568, \"end\": 564.748, \"score\": 0.995}, {\"word\": \"司\", \"start\": 564.748, \"end\": 564.928, \"score\": 0.987}, {\"word\": \"自\", \"start\": 564.928, \"end\": 565.048, \"score\": 1.0}, {\"word\": \"己\", \"start\": 565.048, \"end\": 565.228, \"score\": 0.993}, {\"word\": \"本\", \"start\": 565.228, \"end\": 565.428, \"score\": 0.999}, {\"word\": \"身\", \"start\": 565.428, \"end\": 565.688, \"score\": 0.958}, {\"word\": \"的\", \"start\": 565.688, \"end\": 566.149, \"score\": 1.0}, {\"word\": \"想\", \"start\": 566.149, \"end\": 566.409, \"score\": 0.995}, {\"word\": \"法\", \"start\": 566.409, \"end\": 566.569, \"score\": 0.991}, {\"word\": \"我\", \"start\": 566.569, \"end\": 566.669, \"score\": 0.801}, {\"word\": \"想\", \"start\": 566.669, \"end\": 566.829, \"score\": 0.887}, {\"word\": \"我\", \"start\": 566.829, \"end\": 567.029, \"score\": 0.881}, {\"word\": \"們\"}, {\"word\": \"可\", \"start\": 567.029, \"end\": 567.149, \"score\": 0.831}, {\"word\": \"以\", \"start\": 567.149, \"end\": 567.249, \"score\": 0.799}, {\"word\": \"去\", \"start\": 567.249, \"end\": 567.309, \"score\": 0.665}, {\"word\": \"研\", \"start\": 567.309, \"end\": 567.41, \"score\": 0.8}, {\"word\": \"究\", \"start\": 567.41, \"end\": 567.51, \"score\": 0.8}, {\"word\": \"你\", \"start\": 567.51, \"end\": 567.53, \"score\": 0.0}, {\"word\": \"們\"}, {\"word\": \"看\", \"start\": 567.53, \"end\": 567.67, \"score\": 0.864}, {\"word\": \"他\", \"start\": 567.67, \"end\": 567.77, \"score\": 0.8}, {\"word\": \"的\", \"start\": 567.77, \"end\": 567.83, \"score\": 0.666}, {\"word\": \"想\", \"start\": 567.83, \"end\": 567.99, \"score\": 0.895}, {\"word\": \"法\", \"start\": 567.99, \"end\": 568.11, \"score\": 0.969}, {\"word\": \"一\", \"start\": 568.11, \"end\": 568.17, \"score\": 0.666}, {\"word\": \"定\", \"start\": 568.17, \"end\": 568.31, \"score\": 0.857}, {\"word\": \"是\", \"start\": 568.31, \"end\": 568.47, \"score\": 0.875}, {\"word\": \"說\"}, {\"word\": \"不\", \"start\": 568.47, \"end\": 568.57, \"score\": 0.985}, {\"word\": \"用\", \"start\": 568.57, \"end\": 568.75, \"score\": 0.994}, {\"word\": \"的\", \"start\": 568.75, \"end\": 568.871, \"score\": 0.992}, {\"word\": \"啊\", \"start\": 568.871, \"end\": 569.511, \"score\": 0.94}, {\"word\": \"維\"}, {\"word\": \"持\", \"start\": 569.511, \"end\": 569.951, \"score\": 0.865}, {\"word\": \"現\"}, {\"word\": \"狀\"}, {\"word\": \"是\", \"start\": 569.951, \"end\": 570.051, \"score\": 0.802}, {\"word\": \"最\", \"start\": 570.051, \"end\": 570.211, \"score\": 0.99}, {\"word\": \"好\", \"start\": 570.211, \"end\": 570.392, \"score\": 0.998}, {\"word\": \"的\", \"start\": 570.392, \"end\": 570.552, \"score\": 0.876}, {\"word\": \"啊\", \"start\": 570.552, \"end\": 571.332, \"score\": 0.974}, {\"word\": \"但\", \"start\": 571.332, \"end\": 571.592, \"score\": 0.871}, {\"word\": \"我\", \"start\": 571.592, \"end\": 571.793, \"score\": 0.9}, {\"word\": \"們\"}, {\"word\": \"就\", \"start\": 571.793, \"end\": 571.933, \"score\": 0.945}, {\"word\": \"是\", \"start\": 571.933, \"end\": 572.033, \"score\": 0.822}, {\"word\": \"因\", \"start\": 572.033, \"end\": 572.233, \"score\": 0.818}, {\"word\": \"為\"}, {\"word\": \"有\", \"start\": 572.233, \"end\": 572.353, \"score\": 0.998}, {\"word\": \"問\"}, {\"word\": \"題\"}, {\"word\": \"今\", \"start\": 572.353, \"end\": 572.693, \"score\": 0.882}, {\"word\": \"天\", \"start\": 572.693, \"end\": 572.873, \"score\": 0.888}, {\"word\": \"才\", \"start\": 572.873, \"end\": 573.153, \"score\": 0.863}, {\"word\": \"請\"}, {\"word\": \"你\", \"start\": 573.153, \"end\": 573.494, \"score\": 0.88}, {\"word\": \"們\"}, {\"word\": \"來\"}, {\"word\": \"做\", \"start\": 573.494, \"end\": 573.834, \"score\": 0.937}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 573.834, \"end\": 574.034, \"score\": 0.985}, {\"word\": \"啊\", \"start\": 574.034, \"end\": 574.614, \"score\": 0.967}, {\"word\": \"對\"}, {\"word\": \"不\", \"start\": 574.614, \"end\": 574.634, \"score\": 0.0}, {\"word\": \"對\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"你\", \"start\": 576.42, \"end\": 576.6, \"score\": 0.783}, {\"word\": \"們\"}, {\"word\": \"要\", \"start\": 576.6, \"end\": 576.7, \"score\": 0.912}, {\"word\": \"想\", \"start\": 576.7, \"end\": 576.92, \"score\": 0.942}, {\"word\": \"出\", \"start\": 576.92, \"end\": 577.0, \"score\": 0.779}, {\"word\": \"一\", \"start\": 577.0, \"end\": 577.02, \"score\": 0.445}, {\"word\": \"個\"}, {\"word\": \"對\"}, {\"word\": \"象\", \"start\": 577.02, \"end\": 577.04, \"score\": 0.0}, {\"word\": \"出\", \"start\": 577.04, \"end\": 577.08, \"score\": 0.496}, {\"word\": \"來\"}, {\"word\": \"好\", \"start\": 577.08, \"end\": 577.1, \"score\": 0.0}, {\"word\": \"不\", \"start\": 577.1, \"end\": 577.16, \"score\": 0.488}, {\"word\": \"好\", \"start\": 577.16, \"end\": 577.18, \"score\": 0.0}, {\"word\": \"?\"}, {\"word\": \"你\", \"start\": 577.18, \"end\": 577.26, \"score\": 0.749}, {\"word\": \"們\"}, {\"word\": \"要\", \"start\": 577.26, \"end\": 577.28, \"score\": 0.0}, {\"word\": \"去\", \"start\": 577.28, \"end\": 577.3, \"score\": 0.0}, {\"word\": \"突\", \"start\": 577.3, \"end\": 577.4, \"score\": 0.797}, {\"word\": \"破\", \"start\": 577.4, \"end\": 577.42, \"score\": 0.0}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"是\", \"start\": 577.42, \"end\": 577.44, \"score\": 0.0}, {\"word\": \"一\", \"start\": 577.44, \"end\": 577.481, \"score\": 0.312}, {\"word\": \"個\"}, {\"word\": \"問\"}, {\"word\": \"題\"}, {\"word\": \"所\", \"start\": 577.481, \"end\": 577.501, \"score\": 0.0}, {\"word\": \"在\", \"start\": 577.501, \"end\": 577.581, \"score\": 0.75}, {\"word\": \"那\", \"start\": 577.581, \"end\": 577.601, \"score\": 0.0}, {\"word\": \"再\", \"start\": 577.601, \"end\": 577.661, \"score\": 0.666}, {\"word\": \"請\"}, {\"word\": \"問\"}, {\"word\": \"一\", \"start\": 577.661, \"end\": 577.681, \"score\": 0.0}, {\"word\": \"下\", \"start\": 577.681, \"end\": 577.701, \"score\": 0.0}, {\"word\": \"我\", \"start\": 577.701, \"end\": 577.721, \"score\": 0.0}, {\"word\": \"們\"}, {\"word\": \"現\"}, {\"word\": \"在\", \"start\": 577.721, \"end\": 577.801, \"score\": 0.738}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"八\", \"start\": 577.801, \"end\": 577.901, \"score\": 0.8}, {\"word\": \"大\", \"start\": 577.901, \"end\": 577.941, \"score\": 0.498}, {\"word\": \"關\"}, {\"word\": \"國\"}, {\"word\": \"行\", \"start\": 577.941, \"end\": 578.021, \"score\": 0.74}, {\"word\": \"庫\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"對\"}, {\"word\": \"於\", \"start\": 578.021, \"end\": 578.041, \"score\": 0.0}, {\"word\": \"融\", \"start\": 578.041, \"end\": 578.341, \"score\": 0.93}, {\"word\": \"資\"}, {\"word\": \"公\", \"start\": 578.341, \"end\": 578.421, \"score\": 0.75}, {\"word\": \"司\", \"start\": 578.421, \"end\": 578.441, \"score\": 0.0}, {\"word\": \"的\", \"start\": 578.441, \"end\": 578.461, \"score\": 0.0}, {\"word\": \"貸\"}, {\"word\": \"款\", \"start\": 578.461, \"end\": 578.561, \"score\": 0.799}, {\"word\": \"有\", \"start\": 578.561, \"end\": 578.581, \"score\": 0.0}, {\"word\": \"1\"}, {\"word\": \"3\"}, {\"word\": \"0\"}, {\"word\": \"0\"}, {\"word\": \"多\", \"start\": 578.581, \"end\": 578.601, \"score\": 0.0}, {\"word\": \"億\"}, {\"word\": \"然\", \"start\": 578.601, \"end\": 578.642, \"score\": 0.496}, {\"word\": \"後\", \"start\": 578.642, \"end\": 578.782, \"score\": 0.852}, {\"word\": \"呢\", \"start\": 578.782, \"end\": 578.802, \"score\": 0.0}, {\"word\": \"再\", \"start\": 578.802, \"end\": 578.922, \"score\": 0.831}, {\"word\": \"加\", \"start\": 578.922, \"end\": 578.962, \"score\": 0.128}, {\"word\": \"上\", \"start\": 578.962, \"end\": 578.982, \"score\": 0.0}, {\"word\": \"呢\", \"start\": 578.982, \"end\": 579.122, \"score\": 0.856}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"還\"}, {\"word\": \"有\", \"start\": 579.122, \"end\": 579.162, \"score\": 0.478}, {\"word\": \"購\"}, {\"word\": \"買\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"三\", \"start\": 579.162, \"end\": 579.182, \"score\": 0.0}, {\"word\": \"家\", \"start\": 579.182, \"end\": 579.282, \"score\": 0.799}, {\"word\": \"主\", \"start\": 579.282, \"end\": 579.322, \"score\": 0.473}, {\"word\": \"任\", \"start\": 579.322, \"end\": 579.342, \"score\": 0.0}, {\"word\": \"公\", \"start\": 579.342, \"end\": 579.362, \"score\": 0.001}, {\"word\": \"司\", \"start\": 579.362, \"end\": 579.422, \"score\": 0.665}, {\"word\": \"的\", \"start\": 579.422, \"end\": 579.482, \"score\": 0.664}, {\"word\": \"公\", \"start\": 579.482, \"end\": 579.502, \"score\": 0.0}, {\"word\": \"司\", \"start\": 579.502, \"end\": 579.522, \"score\": 0.0}, {\"word\": \"債\"}, {\"word\": \"呢\", \"start\": 579.522, \"end\": 579.542, \"score\": 0.0}, {\"word\": \"2\"}, {\"word\": \"0\"}, {\"word\": \"0\"}, {\"word\": \"多\", \"start\": 579.542, \"end\": 579.622, \"score\": 0.749}, {\"word\": \"億\"}, {\"word\": \"所\", \"start\": 579.622, \"end\": 579.642, \"score\": 0.0}, {\"word\": \"以\", \"start\": 579.642, \"end\": 579.682, \"score\": 0.498}, {\"word\": \"呢\", \"start\": 579.682, \"end\": 579.702, \"score\": 0.0}, {\"word\": \"總\"}, {\"word\": \"共\", \"start\": 602.463, \"end\": 603.604, \"score\": 0.91}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"從\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"融\", \"start\": 603.604, \"end\": 603.904, \"score\": 0.866}, {\"word\": \"資\"}, {\"word\": \"公\", \"start\": 603.904, \"end\": 604.105, \"score\": 1.0}, {\"word\": \"司\", \"start\": 604.105, \"end\": 604.245, \"score\": 0.962}, {\"word\": \"呢\", \"start\": 604.245, \"end\": 604.665, \"score\": 0.952}, {\"word\": \"從\"}, {\"word\": \"八\", \"start\": 604.665, \"end\": 604.785, \"score\": 0.917}, {\"word\": \"大\", \"start\": 604.785, \"end\": 604.905, \"score\": 0.878}, {\"word\": \"行\", \"start\": 604.905, \"end\": 605.266, \"score\": 0.886}, {\"word\": \"庫\"}, {\"word\": \"呢\", \"start\": 605.266, \"end\": 605.847, \"score\": 0.996}, {\"word\": \"至\", \"start\": 605.847, \"end\": 606.047, \"score\": 0.901}, {\"word\": \"少\", \"start\": 606.047, \"end\": 606.768, \"score\": 0.947}, {\"word\": \"齁\"}, {\"word\": \"搬\", \"start\": 606.768, \"end\": 606.928, \"score\": 0.877}, {\"word\": \"了\", \"start\": 606.928, \"end\": 607.228, \"score\": 0.994}, {\"word\": \"快\", \"start\": 607.228, \"end\": 608.069, \"score\": 0.876}, {\"word\": \"1\"}, {\"word\": \"5\"}, {\"word\": \"0\"}, {\"word\": \"0\"}, {\"word\": \"億\"}, {\"word\": \"左\", \"start\": 608.069, \"end\": 608.39, \"score\": 0.878}, {\"word\": \"右\", \"start\": 608.39, \"end\": 608.53, \"score\": 0.841}, {\"word\": \"啦\", \"start\": 608.53, \"end\": 609.131, \"score\": 0.901}, {\"word\": \"齁\"}, {\"word\": \"那\", \"start\": 609.131, \"end\": 609.511, \"score\": 0.886}, {\"word\": \"請\"}, {\"word\": \"問\"}, {\"word\": \"一\", \"start\": 609.511, \"end\": 609.631, \"score\": 0.943}, {\"word\": \"下\", \"start\": 609.631, \"end\": 610.412, \"score\": 0.945}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"融\", \"start\": 610.412, \"end\": 610.713, \"score\": 0.866}, {\"word\": \"資\"}, {\"word\": \"公\", \"start\": 610.713, \"end\": 610.933, \"score\": 0.999}, {\"word\": \"司\", \"start\": 610.933, \"end\": 611.093, \"score\": 0.964}, {\"word\": \"呢\", \"start\": 611.093, \"end\": 611.834, \"score\": 1.0}, {\"word\": \"跟\", \"start\": 611.834, \"end\": 612.595, \"score\": 0.946}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"公\", \"start\": 612.595, \"end\": 612.775, \"score\": 0.987}, {\"word\": \"股\", \"start\": 612.775, \"end\": 613.015, \"score\": 0.888}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 613.015, \"end\": 613.196, \"score\": 0.995}, {\"word\": \"呢\", \"start\": 613.196, \"end\": 614.437, \"score\": 0.955}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"融\", \"start\": 614.437, \"end\": 615.518, \"score\": 0.957}, {\"word\": \"資\"}, {\"word\": \"齁\"}, {\"word\": \"然\", \"start\": 615.518, \"end\": 615.659, \"score\": 0.858}, {\"word\": \"後\", \"start\": 615.659, \"end\": 615.779, \"score\": 0.818}, {\"word\": \"呢\", \"start\": 615.779, \"end\": 615.959, \"score\": 0.929}, {\"word\": \"再\", \"start\": 615.959, \"end\": 616.079, \"score\": 0.978}, {\"word\": \"把\", \"start\": 616.079, \"end\": 616.62, \"score\": 0.884}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"錢\"}, {\"word\": \"呢\", \"start\": 616.62, \"end\": 617.02, \"score\": 0.995}, {\"word\": \"再\", \"start\": 617.02, \"end\": 617.16, \"score\": 0.899}, {\"word\": \"借\", \"start\": 617.16, \"end\": 617.441, \"score\": 0.875}, {\"word\": \"貸\"}, {\"word\": \"出\", \"start\": 617.441, \"end\": 617.621, \"score\": 0.997}, {\"word\": \"去\", \"start\": 617.621, \"end\": 618.142, \"score\": 0.998}, {\"word\": \"啊\", \"start\": 618.142, \"end\": 618.242, \"score\": 0.798}, {\"word\": \"中\", \"start\": 618.242, \"end\": 618.402, \"score\": 0.895}, {\"word\": \"間\"}, {\"word\": \"有\", \"start\": 618.402, \"end\": 618.562, \"score\": 0.851}, {\"word\": \"沒\", \"start\": 618.562, \"end\": 618.642, \"score\": 0.75}, {\"word\": \"有\", \"start\": 618.642, \"end\": 618.702, \"score\": 0.607}, {\"word\": \"利\", \"start\": 618.702, \"end\": 618.842, \"score\": 0.793}, {\"word\": \"差\", \"start\": 618.842, \"end\": 618.862, \"score\": 0.002}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 621.935, \"end\": 622.115, \"score\": 0.889}, {\"word\": \"法\", \"start\": 622.115, \"end\": 622.835, \"score\": 0.943}, {\"word\": \"有\", \"start\": 622.835, \"end\": 623.676, \"score\": 0.974}, {\"word\": \"相\", \"start\": 623.676, \"end\": 623.816, \"score\": 0.74}, {\"word\": \"關\"}, {\"word\": \"的\", \"start\": 623.816, \"end\": 623.916, \"score\": 0.803}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"利\", \"start\": 623.916, \"end\": 624.056, \"score\": 0.857}, {\"word\": \"率\", \"start\": 624.056, \"end\": 624.196, \"score\": 0.857}, {\"word\": \"上\", \"start\": 624.196, \"end\": 624.376, \"score\": 0.888}, {\"word\": \"面\", \"start\": 624.376, \"end\": 624.677, \"score\": 0.871}, {\"word\": \"的\", \"start\": 624.677, \"end\": 624.877, \"score\": 0.902}, {\"word\": \"規\"}, {\"word\": \"定\", \"start\": 624.877, \"end\": 624.897, \"score\": 0.0}, {\"word\": \"嗎\"}, {\"word\": \"?\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"我\", \"start\": 646.511, \"end\": 646.612, \"score\": 0.982}, {\"word\": \"要\", \"start\": 646.612, \"end\": 646.912, \"score\": 0.932}, {\"word\": \"請\"}, {\"word\": \"教\", \"start\": 646.912, \"end\": 647.092, \"score\": 0.885}, {\"word\": \"就\", \"start\": 647.092, \"end\": 647.352, \"score\": 0.856}, {\"word\": \"是\", \"start\": 647.352, \"end\": 648.092, \"score\": 0.946}, {\"word\": \"說\"}, {\"word\": \",\"}, {\"word\": \"如\", \"start\": 648.092, \"end\": 648.252, \"score\": 0.893}, {\"word\": \"果\", \"start\": 648.252, \"end\": 648.513, \"score\": 0.999}, {\"word\": \"是\", \"start\": 648.513, \"end\": 649.313, \"score\": 0.993}, {\"word\": \"跟\", \"start\": 649.313, \"end\": 649.973, \"score\": 0.91}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"主\", \"start\": 649.973, \"end\": 650.214, \"score\": 0.838}, {\"word\": \"領\"}, {\"word\": \"公\", \"start\": 650.214, \"end\": 650.414, \"score\": 1.0}, {\"word\": \"司\", \"start\": 650.414, \"end\": 650.634, \"score\": 0.999}, {\"word\": \"、\"}, {\"word\": \"跟\", \"start\": 650.634, \"end\": 651.834, \"score\": 0.941}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"公\", \"start\": 651.834, \"end\": 651.995, \"score\": 0.996}, {\"word\": \"股\", \"start\": 651.995, \"end\": 652.275, \"score\": 0.86}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 652.275, \"end\": 653.155, \"score\": 0.997}, {\"word\": \"借\", \"start\": 653.155, \"end\": 654.536, \"score\": 0.957}, {\"word\": \"錢\"}, {\"word\": \",\"}, {\"word\": \"我\", \"start\": 654.536, \"end\": 654.676, \"score\": 0.851}, {\"word\": \"認\"}, {\"word\": \"為\"}, {\"word\": \"啦\", \"start\": 654.676, \"end\": 655.937, \"score\": 0.974}, {\"word\": \",\"}, {\"word\": \"還\"}, {\"word\": \"是\", \"start\": 655.937, \"end\": 656.077, \"score\": 0.998}, {\"word\": \"要\", \"start\": 656.077, \"end\": 656.217, \"score\": 0.854}, {\"word\": \"有\", \"start\": 656.217, \"end\": 656.317, \"score\": 0.796}, {\"word\": \"一\", \"start\": 656.317, \"end\": 656.537, \"score\": 0.819}, {\"word\": \"個\"}, {\"word\": \"限\", \"start\": 656.537, \"end\": 656.817, \"score\": 0.998}, {\"word\": \"制\", \"start\": 656.817, \"end\": 656.977, \"score\": 0.953}, {\"word\": \"啦\", \"start\": 656.977, \"end\": 657.738, \"score\": 0.949}, {\"word\": \",\"}, {\"word\": \"還\"}, {\"word\": \"是\", \"start\": 657.738, \"end\": 657.858, \"score\": 0.996}, {\"word\": \"要\", \"start\": 657.858, \"end\": 657.938, \"score\": 0.859}, {\"word\": \"有\", \"start\": 657.938, \"end\": 657.958, \"score\": 0.0}, {\"word\": \"一\", \"start\": 657.958, \"end\": 658.138, \"score\": 0.776}, {\"word\": \"個\"}, {\"word\": \"限\", \"start\": 658.138, \"end\": 658.378, \"score\": 0.993}, {\"word\": \"制\", \"start\": 658.378, \"end\": 658.558, \"score\": 0.943}, {\"word\": \"啦\", \"start\": 658.558, \"end\": 659.519, \"score\": 0.979}, {\"word\": \"。\"}, {\"word\": \"我\", \"start\": 659.519, \"end\": 659.619, \"score\": 0.776}, {\"word\": \"想\", \"start\": 659.619, \"end\": 659.919, \"score\": 0.976}, {\"word\": \"那\", \"start\": 659.919, \"end\": 660.539, \"score\": 0.949}, {\"word\": \"個\"}, {\"word\": \"公\", \"start\": 660.539, \"end\": 660.739, \"score\": 0.949}, {\"word\": \"股\", \"start\": 660.739, \"end\": 660.859, \"score\": 0.865}, {\"word\": \"部\", \"start\": 660.859, \"end\": 660.959, \"score\": 0.998}, {\"word\": \"分\", \"start\": 660.959, \"end\": 661.12, \"score\": 0.984}, {\"word\": \"我\", \"start\": 661.12, \"end\": 661.38, \"score\": 0.897}, {\"word\": \"們\"}, {\"word\": \"尊\", \"start\": 661.38, \"end\": 661.58, \"score\": 0.901}, {\"word\": \"重\", \"start\": 661.58, \"end\": 662.66, \"score\": 0.893}, {\"word\": \"財\"}, {\"word\": \"政\", \"start\": 662.66, \"end\": 662.841, \"score\": 0.988}, {\"word\": \"部\", \"start\": 662.841, \"end\": 662.961, \"score\": 0.996}, {\"word\": \"的\", \"start\": 662.961, \"end\": 663.281, \"score\": 0.935}, {\"word\": \"決\"}, {\"word\": \"定\", \"start\": 663.281, \"end\": 663.501, \"score\": 0.998}, {\"word\": \",\"}, {\"word\": \"但\", \"start\": 663.501, \"end\": 663.641, \"score\": 0.848}, {\"word\": \"是\", \"start\": 663.641, \"end\": 663.761, \"score\": 0.968}, {\"word\": \"整\", \"start\": 663.761, \"end\": 664.381, \"score\": 0.93}, {\"word\": \"體\"}, {\"word\": \"金\", \"start\": 664.381, \"end\": 664.521, \"score\": 0.858}, {\"word\": \"融\", \"start\": 664.521, \"end\": 664.942, \"score\": 0.862}, {\"word\": \"機\"}, {\"word\": \"構\"}, {\"word\": \"部\", \"start\": 664.942, \"end\": 665.102, \"score\": 1.0}, {\"word\": \"分\", \"start\": 665.102, \"end\": 665.242, \"score\": 0.958}, {\"word\": \"我\", \"start\": 665.242, \"end\": 666.122, \"score\": 0.952}, {\"word\": \"們\"}, {\"word\": \"會\"}, {\"word\": \"再\", \"start\": 666.122, \"end\": 666.963, \"score\": 0.928}, {\"word\": \"強\"}, {\"word\": \"化\", \"start\": 666.963, \"end\": 667.543, \"score\": 0.94}, {\"word\": \",\"}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"。\"}, {\"word\": \"那\", \"start\": 667.543, \"end\": 667.663, \"score\": 0.83}, {\"word\": \"另\", \"start\": 667.663, \"end\": 667.803, \"score\": 0.859}, {\"word\": \"外\", \"start\": 667.803, \"end\": 668.624, \"score\": 0.926}, {\"word\": \"齁\"}, {\"word\": \",\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"有\", \"start\": 668.624, \"end\": 668.784, \"score\": 0.992}, {\"word\": \"沒\", \"start\": 668.784, \"end\": 668.904, \"score\": 0.833}, {\"word\": \"有\", \"start\": 668.904, \"end\": 669.144, \"score\": 0.915}, {\"word\": \"催\", \"start\": 669.144, \"end\": 669.424, \"score\": 0.928}, {\"word\": \"收\", \"start\": 669.424, \"end\": 669.584, \"score\": 0.96}, {\"word\": \"的\", \"start\": 669.584, \"end\": 669.724, \"score\": 0.86}, {\"word\": \"準\", \"start\": 669.724, \"end\": 670.165, \"score\": 0.909}, {\"word\": \"則\"}, {\"word\": \"出\", \"start\": 670.165, \"end\": 670.185, \"score\": 1.0}, {\"word\": \"來\"}, {\"word\": \"?\"}, {\"word\": \"主\", \"start\": 672.583, \"end\": 673.764, \"score\": 0.921}, {\"word\": \"任\", \"start\": 673.764, \"end\": 673.884, \"score\": 0.834}, {\"word\": \"公\", \"start\": 673.884, \"end\": 674.044, \"score\": 0.982}, {\"word\": \"司\", \"start\": 674.044, \"end\": 674.144, \"score\": 0.856}, {\"word\": \"的\", \"start\": 674.144, \"end\": 674.244, \"score\": 0.824}, {\"word\": \"催\", \"start\": 674.244, \"end\": 674.404, \"score\": 0.875}, {\"word\": \"修\", \"start\": 674.404, \"end\": 674.585, \"score\": 0.888}, {\"word\": \"準\", \"start\": 674.585, \"end\": 674.865, \"score\": 0.857}, {\"word\": \"則\"}, {\"word\": \"有\", \"start\": 674.865, \"end\": 674.985, \"score\": 0.935}, {\"word\": \"出\", \"start\": 674.985, \"end\": 675.726, \"score\": 0.946}, {\"word\": \"來\"}, {\"word\": \"嗎\"}, {\"word\": \"?\"}, {\"word\": \"因\", \"start\": 675.726, \"end\": 675.986, \"score\": 0.846}, {\"word\": \"為\"}, {\"word\": \"現\"}, {\"word\": \"在\", \"start\": 675.986, \"end\": 676.106, \"score\": 0.842}, {\"word\": \"很\", \"start\": 676.106, \"end\": 676.206, \"score\": 0.839}, {\"word\": \"多\", \"start\": 676.206, \"end\": 676.687, \"score\": 0.916}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"主\", \"start\": 676.687, \"end\": 676.767, \"score\": 0.75}, {\"word\": \"任\", \"start\": 676.767, \"end\": 676.927, \"score\": 0.879}, {\"word\": \"公\", \"start\": 676.927, \"end\": 677.107, \"score\": 0.988}, {\"word\": \"司\", \"start\": 677.107, \"end\": 677.408, \"score\": 0.912}, {\"word\": \"都\", \"start\": 677.408, \"end\": 677.508, \"score\": 0.978}, {\"word\": \"把\", \"start\": 677.508, \"end\": 677.628, \"score\": 0.997}, {\"word\": \"他\", \"start\": 677.628, \"end\": 677.748, \"score\": 0.862}, {\"word\": \"的\", \"start\": 677.748, \"end\": 681.232, \"score\": 0.943}, {\"word\": \"債\"}, {\"word\": \"權\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"轉\"}, {\"word\": \"給\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"黑\", \"start\": 681.232, \"end\": 681.412, \"score\": 1.0}, {\"word\": \"道\", \"start\": 681.412, \"end\": 681.532, \"score\": 0.846}, {\"word\": \"的\", \"start\": 681.532, \"end\": 681.652, \"score\": 0.891}, {\"word\": \"也\", \"start\": 681.652, \"end\": 681.832, \"score\": 0.932}, {\"word\": \"有\", \"start\": 681.832, \"end\": 682.012, \"score\": 0.96}, {\"word\": \"啊\", \"start\": 682.012, \"end\": 682.993, \"score\": 0.969}, {\"word\": \"不\", \"start\": 682.993, \"end\": 683.053, \"score\": 0.881}, {\"word\": \"是\", \"start\": 683.053, \"end\": 683.234, \"score\": 0.906}, {\"word\": \"其\", \"start\": 683.234, \"end\": 683.354, \"score\": 0.999}, {\"word\": \"他\", \"start\": 683.354, \"end\": 683.514, \"score\": 0.99}, {\"word\": \"的\", \"start\": 683.514, \"end\": 683.674, \"score\": 0.997}, {\"word\": \"什\", \"start\": 683.674, \"end\": 684.315, \"score\": 0.884}, {\"word\": \"麼\"}, {\"word\": \"來\"}, {\"word\": \"催\", \"start\": 684.315, \"end\": 684.455, \"score\": 0.884}, {\"word\": \"修\", \"start\": 684.455, \"end\": 684.595, \"score\": 0.857}, {\"word\": \"也\", \"start\": 684.595, \"end\": 684.715, \"score\": 0.975}, {\"word\": \"有\", \"start\": 684.715, \"end\": 684.855, \"score\": 0.908}, {\"word\": \"啊\", \"start\": 684.855, \"end\": 685.776, \"score\": 0.914}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"催\", \"start\": 685.776, \"end\": 685.957, \"score\": 0.891}, {\"word\": \"修\", \"start\": 685.957, \"end\": 686.177, \"score\": 0.88}, {\"word\": \"準\", \"start\": 686.177, \"end\": 686.457, \"score\": 0.857}, {\"word\": \"則\"}, {\"word\": \"有\", \"start\": 686.457, \"end\": 686.537, \"score\": 0.75}, {\"word\": \"沒\", \"start\": 686.537, \"end\": 686.637, \"score\": 0.8}, {\"word\": \"有\", \"start\": 686.637, \"end\": 686.717, \"score\": 0.75}, {\"word\": \"出\", \"start\": 686.717, \"end\": 686.737, \"score\": 1.0}, {\"word\": \"來\"}, {\"word\": \"?\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"我\", \"start\": 687.52, \"end\": 688.0, \"score\": 0.958}, {\"word\": \"們\"}, {\"word\": \"對\"}, {\"word\": \"金\", \"start\": 688.0, \"end\": 688.2, \"score\": 0.9}, {\"word\": \"融\", \"start\": 688.2, \"end\": 688.3, \"score\": 0.8}, {\"word\": \"機\"}, {\"word\": \"構\"}, {\"word\": \"的\", \"start\": 688.3, \"end\": 688.54, \"score\": 0.917}, {\"word\": \"催\", \"start\": 688.54, \"end\": 688.721, \"score\": 0.889}, {\"word\": \"收\", \"start\": 688.721, \"end\": 688.861, \"score\": 0.857}, {\"word\": \"有\", \"start\": 688.861, \"end\": 689.061, \"score\": 0.899}, {\"word\": \"一\", \"start\": 689.061, \"end\": 689.181, \"score\": 0.833}, {\"word\": \"個\"}, {\"word\": \"定\", \"start\": 689.181, \"end\": 689.341, \"score\": 0.875}, {\"word\": \"型\", \"start\": 689.341, \"end\": 689.481, \"score\": 0.857}, {\"word\": \"化\", \"start\": 689.481, \"end\": 689.581, \"score\": 0.8}, {\"word\": \"的\", \"start\": 689.581, \"end\": 689.641, \"score\": 0.667}, {\"word\": \"契\", \"start\": 689.641, \"end\": 689.661, \"score\": 0.0}, {\"word\": \"約\"}, {\"word\": \"嗎\"}, {\"word\": \"?\"}, {\"word\": \"有\", \"start\": 703.035, \"end\": 703.115, \"score\": 0.902}, {\"word\": \"沒\", \"start\": 703.115, \"end\": 703.235, \"score\": 0.819}, {\"word\": \"有\", \"start\": 703.235, \"end\": 704.476, \"score\": 0.966}, {\"word\": \"應\"}, {\"word\": \"該\"}, {\"word\": \"是\", \"start\": 704.476, \"end\": 705.197, \"score\": 0.961}, {\"word\": \"說\"}, {\"word\": \"我\", \"start\": 705.197, \"end\": 705.837, \"score\": 0.936}, {\"word\": \"們\"}, {\"word\": \"對\"}, {\"word\": \"他\", \"start\": 705.837, \"end\": 706.218, \"score\": 0.946}, {\"word\": \"們\"}, {\"word\": \"的\", \"start\": 706.218, \"end\": 706.518, \"score\": 0.999}, {\"word\": \"管\", \"start\": 706.518, \"end\": 706.698, \"score\": 0.999}, {\"word\": \"理\", \"start\": 706.698, \"end\": 706.858, \"score\": 1.0}, {\"word\": \"就\", \"start\": 706.858, \"end\": 707.078, \"score\": 0.93}, {\"word\": \"是\", \"start\": 707.078, \"end\": 707.299, \"score\": 0.909}, {\"word\": \"說\"}, {\"word\": \"他\", \"start\": 707.299, \"end\": 707.779, \"score\": 0.882}, {\"word\": \"這\"}, {\"word\": \"邊\"}, {\"word\": \"的\", \"start\": 707.779, \"end\": 708.179, \"score\": 0.999}, {\"word\": \"吹\", \"start\": 708.179, \"end\": 708.44, \"score\": 0.982}, {\"word\": \"收\", \"start\": 708.44, \"end\": 708.9, \"score\": 0.981}, {\"word\": \"他\", \"start\": 708.9, \"end\": 709.06, \"score\": 0.976}, {\"word\": \"要\", \"start\": 709.06, \"end\": 709.26, \"score\": 0.998}, {\"word\": \"符\", \"start\": 709.26, \"end\": 709.42, \"score\": 0.902}, {\"word\": \"合\", \"start\": 709.42, \"end\": 709.64, \"score\": 0.995}, {\"word\": \"一\", \"start\": 709.64, \"end\": 709.801, \"score\": 1.0}, {\"word\": \"切\", \"start\": 709.801, \"end\": 710.341, \"score\": 0.999}, {\"word\": \"法\", \"start\": 710.341, \"end\": 710.481, \"score\": 1.0}, {\"word\": \"令\", \"start\": 710.481, \"end\": 710.681, \"score\": 0.983}, {\"word\": \"的\", \"start\": 710.681, \"end\": 711.162, \"score\": 0.956}, {\"word\": \"規\"}, {\"word\": \"定\", \"start\": 711.162, \"end\": 711.842, \"score\": 0.949}, {\"word\": \"當\"}, {\"word\": \"然\", \"start\": 711.842, \"end\": 711.922, \"score\": 0.809}, {\"word\": \"要\", \"start\": 711.922, \"end\": 712.042, \"score\": 0.833}, {\"word\": \"符\", \"start\": 712.042, \"end\": 712.143, \"score\": 0.913}, {\"word\": \"合\", \"start\": 712.143, \"end\": 712.523, \"score\": 0.944}, {\"word\": \"那\", \"start\": 712.523, \"end\": 712.623, \"score\": 0.804}, {\"word\": \"我\", \"start\": 712.623, \"end\": 712.723, \"score\": 0.814}, {\"word\": \"意\", \"start\": 712.723, \"end\": 712.823, \"score\": 0.8}, {\"word\": \"思\", \"start\": 712.823, \"end\": 712.863, \"score\": 0.5}, {\"word\": \"就\", \"start\": 712.863, \"end\": 713.043, \"score\": 0.889}, {\"word\": \"是\", \"start\": 713.043, \"end\": 713.444, \"score\": 0.95}, {\"word\": \"說\"}, {\"word\": \"在\", \"start\": 713.444, \"end\": 713.704, \"score\": 0.894}, {\"word\": \"這\"}, {\"word\": \"次\", \"start\": 713.704, \"end\": 713.784, \"score\": 0.942}, {\"word\": \"的\", \"start\": 713.784, \"end\": 713.884, \"score\": 0.8}, {\"word\": \"自\", \"start\": 713.884, \"end\": 713.964, \"score\": 0.75}, {\"word\": \"律\", \"start\": 713.964, \"end\": 714.464, \"score\": 0.84}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"裡\"}, {\"word\": \"面\", \"start\": 714.464, \"end\": 714.645, \"score\": 0.899}, {\"word\": \"有\", \"start\": 714.645, \"end\": 714.805, \"score\": 0.999}, {\"word\": \"沒\", \"start\": 714.805, \"end\": 714.885, \"score\": 0.75}, {\"word\": \"有\", \"start\": 714.885, \"end\": 715.185, \"score\": 0.866}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"吹\", \"start\": 715.185, \"end\": 715.365, \"score\": 0.982}, {\"word\": \"收\", \"start\": 715.365, \"end\": 715.525, \"score\": 0.992}, {\"word\": \"的\", \"start\": 715.525, \"end\": 715.625, \"score\": 0.989}, {\"word\": \"準\", \"start\": 715.625, \"end\": 716.046, \"score\": 0.904}, {\"word\": \"則\"}, {\"word\": \"出\", \"start\": 716.046, \"end\": 716.366, \"score\": 0.924}, {\"word\": \"來\"}, {\"word\": \"啦\", \"start\": 716.366, \"end\": 716.546, \"score\": 0.887}, {\"word\": \"因\", \"start\": 716.546, \"end\": 717.347, \"score\": 0.974}, {\"word\": \"為\"}, {\"word\": \"有\", \"start\": 717.347, \"end\": 717.747, \"score\": 0.948}, {\"word\": \"嗎\"}, {\"word\": \"我\", \"start\": 717.747, \"end\": 717.987, \"score\": 0.916}, {\"word\": \"們\"}, {\"word\": \"原\", \"start\": 717.987, \"end\": 718.348, \"score\": 0.92}, {\"word\": \"則\"}, {\"word\": \"性\", \"start\": 718.348, \"end\": 718.508, \"score\": 0.997}, {\"word\": \"的\", \"start\": 718.508, \"end\": 718.828, \"score\": 0.906}, {\"word\": \"規\"}, {\"word\": \"定\", \"start\": 718.828, \"end\": 719.028, \"score\": 1.0}, {\"word\": \"有\", \"start\": 719.028, \"end\": 719.248, \"score\": 0.999}, {\"word\": \"在\", \"start\": 719.248, \"end\": 719.689, \"score\": 0.891}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"自\", \"start\": 719.689, \"end\": 719.829, \"score\": 0.866}, {\"word\": \"律\", \"start\": 719.829, \"end\": 719.969, \"score\": 0.964}, {\"word\": \"規\"}, {\"word\": \"範\"}, {\"word\": \"裡\"}, {\"word\": \"面\", \"start\": 719.969, \"end\": 721.33, \"score\": 0.903}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"講\"}, {\"word\": \"了\", \"start\": 721.33, \"end\": 721.43, \"score\": 0.918}, {\"word\": \"很\", \"start\": 721.43, \"end\": 721.61, \"score\": 0.999}, {\"word\": \"多\", \"start\": 721.61, \"end\": 722.131, \"score\": 0.962}, {\"word\": \"都\", \"start\": 722.131, \"end\": 722.311, \"score\": 1.0}, {\"word\": \"是\", \"start\": 722.311, \"end\": 722.751, \"score\": 0.908}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"租\", \"start\": 722.751, \"end\": 723.012, \"score\": 0.851}, {\"word\": \"賃\"}, {\"word\": \"公\", \"start\": 723.012, \"end\": 723.212, \"score\": 1.0}, {\"word\": \"司\", \"start\": 723.212, \"end\": 723.352, \"score\": 0.995}, {\"word\": \"的\", \"start\": 723.352, \"end\": 724.012, \"score\": 0.988}, {\"word\": \"自\", \"start\": 724.012, \"end\": 724.173, \"score\": 0.895}, {\"word\": \"律\", \"start\": 724.173, \"end\": 724.393, \"score\": 0.935}, {\"word\": \"啦\", \"start\": 724.393, \"end\": 724.413, \"score\": 0.048}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"李\", \"start\": 725.234, \"end\": 725.254, \"score\": 0.0}, {\"word\": \"昆\", \"start\": 725.254, \"end\": 725.374, \"score\": 0.833}, {\"word\": \"成\", \"start\": 725.374, \"end\": 725.494, \"score\": 0.825}, {\"word\": \"委\", \"start\": 725.494, \"end\": 725.614, \"score\": 0.833}, {\"word\": \"的\", \"start\": 725.614, \"end\": 725.694, \"score\": 0.75}, {\"word\": \"質\"}, {\"word\": \"詢\"}, {\"word\": \"因\", \"start\": 725.694, \"end\": 725.794, \"score\": 0.8}, {\"word\": \"為\"}, {\"word\": \"李\", \"start\": 725.794, \"end\": 725.955, \"score\": 0.874}, {\"word\": \"燕\", \"start\": 725.955, \"end\": 726.135, \"score\": 0.884}, {\"word\": \"秀\", \"start\": 726.135, \"end\": 726.355, \"score\": 0.909}, {\"word\": \"委\", \"start\": 726.355, \"end\": 726.615, \"score\": 0.922}, {\"word\": \"員\"}, {\"word\": \"另\", \"start\": 726.615, \"end\": 727.336, \"score\": 0.966}, {\"word\": \"有\", \"start\": 727.336, \"end\": 727.597, \"score\": 0.922}, {\"word\": \"要\", \"start\": 727.597, \"end\": 727.617, \"score\": 0.0}, {\"word\": \"問\"}], \"language\": \"zh\"}","srt":"1\n00:00:03,846 --> 00:00:29,282\n謝謝主席我們請這個金管會黃主委有請有請黃主委主委好不好意思剛喝水有喝過了嗎可以謝謝不好意思耽誤您時間沒有沒有不要不好意思也辛苦了啦那這個報告是大概晚了兩個禮拜因為上次要來報告的時候遇到大地震\n\n2\n00:00:29,847 --> 00:00:29,987\n法務委員\n\n3\n00:00:45,274 --> 00:01:12,355\n這個請教一下主委就是說這個大家都很關心這件事情那其實我們也常常在這個廣告上面這個網路的廣告上面也看到說有很多這個釣魚式的廣告關於這個融資公司的一些或是說這個先買後付的一些這些釣魚式的廣告他常常在講就是說你信用瑕疵也可以帶啦然後呢這個一般商品也可以帶啦手機也可以帶啦然後而且呢這個是低利貸款\n\n4\n00:01:13,516 --> 00:01:38,907\n然後也講到說這個貸款的這個條件呢條件不拘誰來誰借然後這個保證過借這個超高額度然後呢這個而且還有這個最新型的這個手機APP的貸款按照手機的這個指示呢就可以申辦那甚至也不知道說這個實際上利率是多少所以呢讓你貸款的時候是非常方便但是呢這個是處處的都是陷阱\n\n5\n00:01:39,947 --> 00:02:02,664\n所以也產生了很多弊端至少有第一個連針的死角第二個超高的利率違約金跟慈嚴的循環利息一起來算然後可貸的乘數也沒有限制甚至以數倍計然後萬物皆可貸所以造成這些弊端請問一下雖然說4月初開始\n\n6\n00:02:04,525 --> 00:02:07,467\n委員這樣子您剛剛垂詢的有一些部分其實都已經納入了我是不是可以請局長給您比較完整的說明\n\n7\n00:02:30,578 --> 00:02:44,814\n報告委員針對剛剛委員所提的尤其是針對弊端二的這個部分超高利率違約金跟延遲利息的併給的部分我們這邊在那個主任公會的自律規範裡面已經說這兩個不能並行然後再來這個\n\n8\n00:02:48,258 --> 00:03:05,103\n陳述無限制甚至已被記這個部分這涉及到廣告不實會有誤導所以這個部分的話在自律規範裡面也要求主任公司對於他這個行銷單位因為有些行銷的廣告其實是他的代辦公司或者是他業務合作那這誰來管這廣告誰來管\n\n9\n00:03:06,823 --> 00:03:06,843\n這有罰則嗎?\n\n10\n00:03:24,337 --> 00:03:39,764\n自律規範這邊的罰則就是他們公會裡面他們對會員如果違反自律規範會有什麼樣的罰則所以這邊到底用什麼樣的處罰方式看起來沒有處罰啦我大概有看了一下他們的這個自律的規範沒有處罰第一個沒有處罰第二個\n\n11\n00:03:42,305 --> 00:03:53,819\n這有溯及繼往嗎?還是從4月初開始之後,他們自律規範定了之後才開始?那過去呢?過去也有這些超高利率啊,還有葛泰城市無限制啊,那過去的呢?過去的有辦法處理嗎?\n\n12\n00:03:57,961 --> 00:03:58,261\n有講跟沒講一樣你們要去審視阿\n\n13\n00:04:26,379 --> 00:04:48,146\n這過去的這個規定如果都已經違法違法相關的規定那怎麼可以說一刀切4月4號之後的就按照這個自律規範4月3號之前的呢那我們還是按照舊的它違法就違法啦這個你們要去審視你們要請這個諸董公司要去審視過去的契約如果有違法這個相關的規定的話那這個契約就應該是作廢了吧沒有效了吧\n\n14\n00:04:49,935 --> 00:05:17,187\n對,委員我剛剛所說的就是主任公司他不會因為說他之前的契約已經生效他們以後對於消費者的這個部分的話會遵守最新的自律規範對,那我是說之前簽的約勒?對,還是他還是會按照最新的自律規範所以意思是說可以溯及既往就對了?對,是好,那你剛才提到那個四個弊端第一個,廉政死角你沒有回答我是現在廉政還是死角嗎?\n\n15\n00:05:19,844 --> 00:05:23,151\n就是竹林公司跟我們的這個廉政中心到底有沒有連線啊?\n\n16\n00:05:24,629 --> 00:05:52,707\n報告委員現在主任公司有一部分他如果當他需要消費者的信用報告因為這些消費者希望有取得信用報告所以當他如果跟連真拿消費者同意之下他取得信用報告的時候他們這邊他們會把他對消費者的那個授信他會報到連真這邊那所以今天是說主任公司他主動去\n\n17\n00:05:53,843 --> 00:06:17,720\n去跟這個比如說這個要借貸的人去跟他要資料他才去對所以這個就是沒有限制嘛對那因為這個已經取得消費者的同意所以他可以報資料那我認為啦我一般跟這個銀行借款啊他都會去聯徵嘛就是說看我個人的這個借貸紀錄是怎麼樣才決定說到底要不要借和借多少嘛那為什麼租賃公司不要融資公司不用勒\n\n18\n00:06:18,780 --> 00:06:42,756\n這個我的意思是說這個為什麼沒有強制性勒?報告委員那個銀行因為他的風險控管非常的嚴格對這就是問題所在嘛我們對於租賃公司的這個控管風險沒有這麼嚴格啊對報告委員因為租賃公司其實我們跟他談的過程他們有跟我們反應就是說因為他們相對於其他的銀行就是他的速度很快\n\n19\n00:06:43,516 --> 00:07:00,573\n他可能當天就沒有不是齁這個問題就在於說齁通常是比如說信用可能不是很好的人他銀行借不到錢了才到這個租賃公司去借吧那所以說如果再去廉政的話那大概就過不了吧應該是這個原因吧啊但是我們是認為說當然對有些人來講他有這個需求\n\n20\n00:07:02,634 --> 00:07:18,125\n但是如果說能夠跟廉政中心配合的話那至少租賃公司他在借貸的時候他有一個比例嘛或者說我大概可以借多少不是說這個沒有限制那甚至呢借更多給他那形成一種惡性的循環啊\n\n21\n00:07:18,925 --> 00:07:37,441\n所以我才覺得說是不是應該就是說你來借貸的話你每個租賃公司你就必須要跟年政中心來做一個這個審視就是說那到底這個來借貸的人那到底信用有沒有問題啊啊不然這個就變成是空的了嘛就變成說我的信用不好啊但是呢我銀行借不到反正我來租賃公司借嘛\n\n22\n00:07:38,561 --> 00:07:45,426\n這個就是你們要去處理的問題嘛如果你覺得我的想法也不錯那也可以說讓這個這個這個現象就是說這個三道猴子的現象這個一字二性循環那你們就應該去做啊\n\n23\n00:08:03,666 --> 00:08:32,683\n委員我跟您報告其實我們有處理過去前年開始因為連珍是會員制他只有銀行才能加入那有一種方式現在就是像那種做線上P2P的公司我們開第二資料庫他用很快的方式由個人去申請轉借給轉交給他很快的方式取得你的creditreport然後交給這個公司也是一種方式不直接取得但是由個人去取得\n\n24\n00:08:33,363 --> 00:08:46,170\n這個你們去設計嘛就是說我是希望說這一個連徵這個有關信用記錄這方面你們也要做處理啊就是說你不能跟我講說那會員不是會員銀行才是會員才可以加入啊\n\n25\n00:08:47,965 --> 00:09:03,792\n我的想法就是說你要去看說那個人借貸的信錄那個信用到底是怎麼樣那如果不好的話你不應該一直在借他那當然說租賃公司要賺錢那可是對那個人來講他可能這個沒有任何的限制的情況之下可能越借越多啊越欠越多啊\n\n26\n00:09:06,275 --> 00:09:34,634\n委員我想您垂訊的地方我們會去努力跟公會銀行公會跟那個廉政中心那邊去這個你們要去處理我覺得你們要去處理好不好就有關這個信用廉政這部分可不可以去處理其實也要看租用公司自己本身的想法我想我們可以去研究你們看他的想法一定是說不用的啊維持現狀是最好的啊但我們就是因為有問題今天才請你們來做報告啊對不對\n\n27\n00:09:36,420 --> 00:09:39,702\n這個你們要想出一個對象出來好不好?你們要去突破這個是一個問題所在那再請問一下我們現在這個八大關國行庫這個對於融資公司的貸款有1300多億然後呢再加上呢這個還有購買這個三家主任公司的公司債呢200多億所以呢\n\n28\n00:10:02,463 --> 00:10:18,862\n總共這個從這個融資公司呢從八大行庫呢至少齁搬了快1500億左右啦齁那請問一下這個融資公司呢跟這個公股銀行呢這個融資齁然後呢再把這個錢呢再借貸出去啊中間有沒有利差\n\n29\n00:10:21,935 --> 00:10:24,897\n銀行法有相關的這個利率上面的規定嗎?\n\n30\n00:10:46,511 --> 00:11:10,185\n這個我要請教就是說,如果是跟這個主領公司、跟這個公股銀行借錢,我認為啦,還是要有一個限制啦,還是要有一個限制啦。我想那個公股部分我們尊重財政部的決定,但是整體金融機構部分我們會再強化,謝謝。那另外齁,這個有沒有催收的準則出來?\n\n31\n00:11:12,583 --> 00:11:26,737\n主任公司的催修準則有出來嗎?因為現在很多這個主任公司都把他的債權這個轉給這個黑道的也有啊不是其他的什麼來催修也有啊這個催修準則有沒有出來?\n\n32\n00:11:27,520 --> 00:11:29,661\n這個我們對金融機構的催收有一個定型化的契約嗎?\n\n33\n00:11:43,035 --> 00:12:04,413\n有沒有應該是說我們對他們的管理就是說他這邊的吹收他要符合一切法令的規定當然要符合那我意思就是說在這次的自律規範裡面有沒有這個吹收的準則出來啦因為有嗎我們原則性的規定有在這個自律規範裡面這個講了很多都是這個租賃公司的自律啦\n\n34\n00:12:05,234 --> 00:12:07,617\n謝謝李昆成委的質詢因為李燕秀委員另有要問\n\n","tsv":"start\tend\ttext\n3846\t29282\t謝謝主席我們請這個金管會黃主委有請有請黃主委主委好不好意思剛喝水有喝過了嗎可以謝謝不好意思耽誤您時間沒有沒有不要不好意思也辛苦了啦那這個報告是大概晚了兩個禮拜因為上次要來報告的時候遇到大地震\n29847\t29987\t法務委員\n45274\t72355\t這個請教一下主委就是說這個大家都很關心這件事情那其實我們也常常在這個廣告上面這個網路的廣告上面也看到說有很多這個釣魚式的廣告關於這個融資公司的一些或是說這個先買後付的一些這些釣魚式的廣告他常常在講就是說你信用瑕疵也可以帶啦然後呢這個一般商品也可以帶啦手機也可以帶啦然後而且呢這個是低利貸款\n73516\t98907\t然後也講到說這個貸款的這個條件呢條件不拘誰來誰借然後這個保證過借這個超高額度然後呢這個而且還有這個最新型的這個手機APP的貸款按照手機的這個指示呢就可以申辦那甚至也不知道說這個實際上利率是多少所以呢讓你貸款的時候是非常方便但是呢這個是處處的都是陷阱\n99947\t122664\t所以也產生了很多弊端至少有第一個連針的死角第二個超高的利率違約金跟慈嚴的循環利息一起來算然後可貸的乘數也沒有限制甚至以數倍計然後萬物皆可貸所以造成這些弊端請問一下雖然說4月初開始\n124525\t127467\t委員這樣子您剛剛垂詢的有一些部分其實都已經納入了我是不是可以請局長給您比較完整的說明\n150578\t164814\t報告委員針對剛剛委員所提的尤其是針對弊端二的這個部分超高利率違約金跟延遲利息的併給的部分我們這邊在那個主任公會的自律規範裡面已經說這兩個不能並行然後再來這個\n168258\t185103\t陳述無限制甚至已被記這個部分這涉及到廣告不實會有誤導所以這個部分的話在自律規範裡面也要求主任公司對於他這個行銷單位因為有些行銷的廣告其實是他的代辦公司或者是他業務合作那這誰來管這廣告誰來管\n186823\t186843\t這有罰則嗎?\n204337\t219764\t自律規範這邊的罰則就是他們公會裡面他們對會員如果違反自律規範會有什麼樣的罰則所以這邊到底用什麼樣的處罰方式看起來沒有處罰啦我大概有看了一下他們的這個自律的規範沒有處罰第一個沒有處罰第二個\n222305\t233819\t這有溯及繼往嗎?還是從4月初開始之後,他們自律規範定了之後才開始?那過去呢?過去也有這些超高利率啊,還有葛泰城市無限制啊,那過去的呢?過去的有辦法處理嗎?\n237961\t238261\t有講跟沒講一樣你們要去審視阿\n266379\t288146\t這過去的這個規定如果都已經違法違法相關的規定那怎麼可以說一刀切4月4號之後的就按照這個自律規範4月3號之前的呢那我們還是按照舊的它違法就違法啦這個你們要去審視你們要請這個諸董公司要去審視過去的契約如果有違法這個相關的規定的話那這個契約就應該是作廢了吧沒有效了吧\n289935\t317187\t對,委員我剛剛所說的就是主任公司他不會因為說他之前的契約已經生效他們以後對於消費者的這個部分的話會遵守最新的自律規範對,那我是說之前簽的約勒?對,還是他還是會按照最新的自律規範所以意思是說可以溯及既往就對了?對,是好,那你剛才提到那個四個弊端第一個,廉政死角你沒有回答我是現在廉政還是死角嗎?\n319844\t323151\t就是竹林公司跟我們的這個廉政中心到底有沒有連線啊?\n324629\t352707\t報告委員現在主任公司有一部分他如果當他需要消費者的信用報告因為這些消費者希望有取得信用報告所以當他如果跟連真拿消費者同意之下他取得信用報告的時候他們這邊他們會把他對消費者的那個授信他會報到連真這邊那所以今天是說主任公司他主動去\n353843\t377720\t去跟這個比如說這個要借貸的人去跟他要資料他才去對所以這個就是沒有限制嘛對那因為這個已經取得消費者的同意所以他可以報資料那我認為啦我一般跟這個銀行借款啊他都會去聯徵嘛就是說看我個人的這個借貸紀錄是怎麼樣才決定說到底要不要借和借多少嘛那為什麼租賃公司不要融資公司不用勒\n378780\t402756\t這個我的意思是說這個為什麼沒有強制性勒?報告委員那個銀行因為他的風險控管非常的嚴格對這就是問題所在嘛我們對於租賃公司的這個控管風險沒有這麼嚴格啊對報告委員因為租賃公司其實我們跟他談的過程他們有跟我們反應就是說因為他們相對於其他的銀行就是他的速度很快\n403516\t420573\t他可能當天就沒有不是齁這個問題就在於說齁通常是比如說信用可能不是很好的人他銀行借不到錢了才到這個租賃公司去借吧那所以說如果再去廉政的話那大概就過不了吧應該是這個原因吧啊但是我們是認為說當然對有些人來講他有這個需求\n422634\t438125\t但是如果說能夠跟廉政中心配合的話那至少租賃公司他在借貸的時候他有一個比例嘛或者說我大概可以借多少不是說這個沒有限制那甚至呢借更多給他那形成一種惡性的循環啊\n438925\t457441\t所以我才覺得說是不是應該就是說你來借貸的話你每個租賃公司你就必須要跟年政中心來做一個這個審視就是說那到底這個來借貸的人那到底信用有沒有問題啊啊不然這個就變成是空的了嘛就變成說我的信用不好啊但是呢我銀行借不到反正我來租賃公司借嘛\n458561\t465426\t這個就是你們要去處理的問題嘛如果你覺得我的想法也不錯那也可以說讓這個這個這個現象就是說這個三道猴子的現象這個一字二性循環那你們就應該去做啊\n483666\t512683\t委員我跟您報告其實我們有處理過去前年開始因為連珍是會員制他只有銀行才能加入那有一種方式現在就是像那種做線上P2P的公司我們開第二資料庫他用很快的方式由個人去申請轉借給轉交給他很快的方式取得你的credit report然後交給這個公司也是一種方式不直接取得但是由個人去取得\n513363\t526170\t這個你們去設計嘛就是說我是希望說這一個連徵這個有關信用記錄這方面你們也要做處理啊就是說你不能跟我講說那會員不是會員銀行才是會員才可以加入啊\n527965\t543792\t我的想法就是說你要去看說那個人借貸的信錄那個信用到底是怎麼樣那如果不好的話你不應該一直在借他那當然說租賃公司要賺錢那可是對那個人來講他可能這個沒有任何的限制的情況之下可能越借越多啊越欠越多啊\n546275\t574634\t委員我想您垂訊的地方我們會去努力跟公會銀行公會跟那個廉政中心那邊去這個你們要去處理我覺得你們要去處理好不好就有關這個信用廉政這部分可不可以去處理其實也要看租用公司自己本身的想法我想我們可以去研究你們看他的想法一定是說不用的啊維持現狀是最好的啊但我們就是因為有問題今天才請你們來做報告啊對不對\n576420\t579702\t這個你們要想出一個對象出來好不好?你們要去突破 這個是一個問題所在那再請問一下我們現在這個八大關國行庫這個對於融資公司的貸款有1300多億然後呢再加上呢這個還有購買這個三家主任公司的公司債呢200多億所以呢\n602463\t618862\t總共這個從這個融資公司呢從八大行庫呢至少齁搬了快1500億左右啦齁那請問一下這個融資公司呢跟這個公股銀行呢這個融資齁然後呢再把這個錢呢再借貸出去啊中間有沒有利差\n621935\t624897\t銀行法有相關的這個利率上面的規定嗎?\n646511\t670185\t這個我要請教就是說,如果是跟這個主領公司、跟這個公股銀行借錢,我認為啦,還是要有一個限制啦,還是要有一個限制啦。我想那個公股部分我們尊重財政部的決定,但是整體金融機構部分我們會再強化,謝謝。那另外齁,這個有沒有催收的準則出來?\n672583\t686737\t主任公司的催修準則有出來嗎?因為現在很多這個主任公司都把他的債權這個轉給這個黑道的也有啊不是其他的什麼來催修也有啊這個催修準則有沒有出來?\n687520\t689661\t這個我們對金融機構的催收有一個定型化的契約嗎?\n703035\t724413\t有沒有應該是說我們對他們的管理就是說他這邊的吹收他要符合一切法令的規定當然要符合那我意思就是說在這次的自律規範裡面有沒有這個吹收的準則出來啦因為有嗎我們原則性的規定有在這個自律規範裡面這個講了很多都是這個租賃公司的自律啦\n725234\t727617\t謝謝李昆成委的質詢因為李燕秀委員另有要問\n","txt":"謝謝主席我們請這個金管會黃主委有請有請黃主委主委好不好意思剛喝水有喝過了嗎可以謝謝不好意思耽誤您時間沒有沒有不要不好意思也辛苦了啦那這個報告是大概晚了兩個禮拜因為上次要來報告的時候遇到大地震\n法務委員\n這個請教一下主委就是說這個大家都很關心這件事情那其實我們也常常在這個廣告上面這個網路的廣告上面也看到說有很多這個釣魚式的廣告關於這個融資公司的一些或是說這個先買後付的一些這些釣魚式的廣告他常常在講就是說你信用瑕疵也可以帶啦然後呢這個一般商品也可以帶啦手機也可以帶啦然後而且呢這個是低利貸款\n然後也講到說這個貸款的這個條件呢條件不拘誰來誰借然後這個保證過借這個超高額度然後呢這個而且還有這個最新型的這個手機APP的貸款按照手機的這個指示呢就可以申辦那甚至也不知道說這個實際上利率是多少所以呢讓你貸款的時候是非常方便但是呢這個是處處的都是陷阱\n所以也產生了很多弊端至少有第一個連針的死角第二個超高的利率違約金跟慈嚴的循環利息一起來算然後可貸的乘數也沒有限制甚至以數倍計然後萬物皆可貸所以造成這些弊端請問一下雖然說4月初開始\n委員這樣子您剛剛垂詢的有一些部分其實都已經納入了我是不是可以請局長給您比較完整的說明\n報告委員針對剛剛委員所提的尤其是針對弊端二的這個部分超高利率違約金跟延遲利息的併給的部分我們這邊在那個主任公會的自律規範裡面已經說這兩個不能並行然後再來這個\n陳述無限制甚至已被記這個部分這涉及到廣告不實會有誤導所以這個部分的話在自律規範裡面也要求主任公司對於他這個行銷單位因為有些行銷的廣告其實是他的代辦公司或者是他業務合作那這誰來管這廣告誰來管\n這有罰則嗎?\n自律規範這邊的罰則就是他們公會裡面他們對會員如果違反自律規範會有什麼樣的罰則所以這邊到底用什麼樣的處罰方式看起來沒有處罰啦我大概有看了一下他們的這個自律的規範沒有處罰第一個沒有處罰第二個\n這有溯及繼往嗎?還是從4月初開始之後,他們自律規範定了之後才開始?那過去呢?過去也有這些超高利率啊,還有葛泰城市無限制啊,那過去的呢?過去的有辦法處理嗎?\n有講跟沒講一樣你們要去審視阿\n這過去的這個規定如果都已經違法違法相關的規定那怎麼可以說一刀切4月4號之後的就按照這個自律規範4月3號之前的呢那我們還是按照舊的它違法就違法啦這個你們要去審視你們要請這個諸董公司要去審視過去的契約如果有違法這個相關的規定的話那這個契約就應該是作廢了吧沒有效了吧\n對,委員我剛剛所說的就是主任公司他不會因為說他之前的契約已經生效他們以後對於消費者的這個部分的話會遵守最新的自律規範對,那我是說之前簽的約勒?對,還是他還是會按照最新的自律規範所以意思是說可以溯及既往就對了?對,是好,那你剛才提到那個四個弊端第一個,廉政死角你沒有回答我是現在廉政還是死角嗎?\n就是竹林公司跟我們的這個廉政中心到底有沒有連線啊?\n報告委員現在主任公司有一部分他如果當他需要消費者的信用報告因為這些消費者希望有取得信用報告所以當他如果跟連真拿消費者同意之下他取得信用報告的時候他們這邊他們會把他對消費者的那個授信他會報到連真這邊那所以今天是說主任公司他主動去\n去跟這個比如說這個要借貸的人去跟他要資料他才去對所以這個就是沒有限制嘛對那因為這個已經取得消費者的同意所以他可以報資料那我認為啦我一般跟這個銀行借款啊他都會去聯徵嘛就是說看我個人的這個借貸紀錄是怎麼樣才決定說到底要不要借和借多少嘛那為什麼租賃公司不要融資公司不用勒\n這個我的意思是說這個為什麼沒有強制性勒?報告委員那個銀行因為他的風險控管非常的嚴格對這就是問題所在嘛我們對於租賃公司的這個控管風險沒有這麼嚴格啊對報告委員因為租賃公司其實我們跟他談的過程他們有跟我們反應就是說因為他們相對於其他的銀行就是他的速度很快\n他可能當天就沒有不是齁這個問題就在於說齁通常是比如說信用可能不是很好的人他銀行借不到錢了才到這個租賃公司去借吧那所以說如果再去廉政的話那大概就過不了吧應該是這個原因吧啊但是我們是認為說當然對有些人來講他有這個需求\n但是如果說能夠跟廉政中心配合的話那至少租賃公司他在借貸的時候他有一個比例嘛或者說我大概可以借多少不是說這個沒有限制那甚至呢借更多給他那形成一種惡性的循環啊\n所以我才覺得說是不是應該就是說你來借貸的話你每個租賃公司你就必須要跟年政中心來做一個這個審視就是說那到底這個來借貸的人那到底信用有沒有問題啊啊不然這個就變成是空的了嘛就變成說我的信用不好啊但是呢我銀行借不到反正我來租賃公司借嘛\n這個就是你們要去處理的問題嘛如果你覺得我的想法也不錯那也可以說讓這個這個這個現象就是說這個三道猴子的現象這個一字二性循環那你們就應該去做啊\n委員我跟您報告其實我們有處理過去前年開始因為連珍是會員制他只有銀行才能加入那有一種方式現在就是像那種做線上P2P的公司我們開第二資料庫他用很快的方式由個人去申請轉借給轉交給他很快的方式取得你的credit report然後交給這個公司也是一種方式不直接取得但是由個人去取得\n這個你們去設計嘛就是說我是希望說這一個連徵這個有關信用記錄這方面你們也要做處理啊就是說你不能跟我講說那會員不是會員銀行才是會員才可以加入啊\n我的想法就是說你要去看說那個人借貸的信錄那個信用到底是怎麼樣那如果不好的話你不應該一直在借他那當然說租賃公司要賺錢那可是對那個人來講他可能這個沒有任何的限制的情況之下可能越借越多啊越欠越多啊\n委員我想您垂訊的地方我們會去努力跟公會銀行公會跟那個廉政中心那邊去這個你們要去處理我覺得你們要去處理好不好就有關這個信用廉政這部分可不可以去處理其實也要看租用公司自己本身的想法我想我們可以去研究你們看他的想法一定是說不用的啊維持現狀是最好的啊但我們就是因為有問題今天才請你們來做報告啊對不對\n這個你們要想出一個對象出來好不好?你們要去突破 這個是一個問題所在那再請問一下我們現在這個八大關國行庫這個對於融資公司的貸款有1300多億然後呢再加上呢這個還有購買這個三家主任公司的公司債呢200多億所以呢\n總共這個從這個融資公司呢從八大行庫呢至少齁搬了快1500億左右啦齁那請問一下這個融資公司呢跟這個公股銀行呢這個融資齁然後呢再把這個錢呢再借貸出去啊中間有沒有利差\n銀行法有相關的這個利率上面的規定嗎?\n這個我要請教就是說,如果是跟這個主領公司、跟這個公股銀行借錢,我認為啦,還是要有一個限制啦,還是要有一個限制啦。我想那個公股部分我們尊重財政部的決定,但是整體金融機構部分我們會再強化,謝謝。那另外齁,這個有沒有催收的準則出來?\n主任公司的催修準則有出來嗎?因為現在很多這個主任公司都把他的債權這個轉給這個黑道的也有啊不是其他的什麼來催修也有啊這個催修準則有沒有出來?\n這個我們對金融機構的催收有一個定型化的契約嗎?\n有沒有應該是說我們對他們的管理就是說他這邊的吹收他要符合一切法令的規定當然要符合那我意思就是說在這次的自律規範裡面有沒有這個吹收的準則出來啦因為有嗎我們原則性的規定有在這個自律規範裡面這個講了很多都是這個租賃公司的自律啦\n謝謝李昆成委的質詢因為李燕秀委員另有要問\n","vtt":"WEBVTT\n\n00:03.846 --> 00:29.282\n謝謝主席我們請這個金管會黃主委有請有請黃主委主委好不好意思剛喝水有喝過了嗎可以謝謝不好意思耽誤您時間沒有沒有不要不好意思也辛苦了啦那這個報告是大概晚了兩個禮拜因為上次要來報告的時候遇到大地震\n\n00:29.847 --> 00:29.987\n法務委員\n\n00:45.274 --> 01:12.355\n這個請教一下主委就是說這個大家都很關心這件事情那其實我們也常常在這個廣告上面這個網路的廣告上面也看到說有很多這個釣魚式的廣告關於這個融資公司的一些或是說這個先買後付的一些這些釣魚式的廣告他常常在講就是說你信用瑕疵也可以帶啦然後呢這個一般商品也可以帶啦手機也可以帶啦然後而且呢這個是低利貸款\n\n01:13.516 --> 01:38.907\n然後也講到說這個貸款的這個條件呢條件不拘誰來誰借然後這個保證過借這個超高額度然後呢這個而且還有這個最新型的這個手機APP的貸款按照手機的這個指示呢就可以申辦那甚至也不知道說這個實際上利率是多少所以呢讓你貸款的時候是非常方便但是呢這個是處處的都是陷阱\n\n01:39.947 --> 02:02.664\n所以也產生了很多弊端至少有第一個連針的死角第二個超高的利率違約金跟慈嚴的循環利息一起來算然後可貸的乘數也沒有限制甚至以數倍計然後萬物皆可貸所以造成這些弊端請問一下雖然說4月初開始\n\n02:04.525 --> 02:07.467\n委員這樣子您剛剛垂詢的有一些部分其實都已經納入了我是不是可以請局長給您比較完整的說明\n\n02:30.578 --> 02:44.814\n報告委員針對剛剛委員所提的尤其是針對弊端二的這個部分超高利率違約金跟延遲利息的併給的部分我們這邊在那個主任公會的自律規範裡面已經說這兩個不能並行然後再來這個\n\n02:48.258 --> 03:05.103\n陳述無限制甚至已被記這個部分這涉及到廣告不實會有誤導所以這個部分的話在自律規範裡面也要求主任公司對於他這個行銷單位因為有些行銷的廣告其實是他的代辦公司或者是他業務合作那這誰來管這廣告誰來管\n\n03:06.823 --> 03:06.843\n這有罰則嗎?\n\n03:24.337 --> 03:39.764\n自律規範這邊的罰則就是他們公會裡面他們對會員如果違反自律規範會有什麼樣的罰則所以這邊到底用什麼樣的處罰方式看起來沒有處罰啦我大概有看了一下他們的這個自律的規範沒有處罰第一個沒有處罰第二個\n\n03:42.305 --> 03:53.819\n這有溯及繼往嗎?還是從4月初開始之後,他們自律規範定了之後才開始?那過去呢?過去也有這些超高利率啊,還有葛泰城市無限制啊,那過去的呢?過去的有辦法處理嗎?\n\n03:57.961 --> 03:58.261\n有講跟沒講一樣你們要去審視阿\n\n04:26.379 --> 04:48.146\n這過去的這個規定如果都已經違法違法相關的規定那怎麼可以說一刀切4月4號之後的就按照這個自律規範4月3號之前的呢那我們還是按照舊的它違法就違法啦這個你們要去審視你們要請這個諸董公司要去審視過去的契約如果有違法這個相關的規定的話那這個契約就應該是作廢了吧沒有效了吧\n\n04:49.935 --> 05:17.187\n對,委員我剛剛所說的就是主任公司他不會因為說他之前的契約已經生效他們以後對於消費者的這個部分的話會遵守最新的自律規範對,那我是說之前簽的約勒?對,還是他還是會按照最新的自律規範所以意思是說可以溯及既往就對了?對,是好,那你剛才提到那個四個弊端第一個,廉政死角你沒有回答我是現在廉政還是死角嗎?\n\n05:19.844 --> 05:23.151\n就是竹林公司跟我們的這個廉政中心到底有沒有連線啊?\n\n05:24.629 --> 05:52.707\n報告委員現在主任公司有一部分他如果當他需要消費者的信用報告因為這些消費者希望有取得信用報告所以當他如果跟連真拿消費者同意之下他取得信用報告的時候他們這邊他們會把他對消費者的那個授信他會報到連真這邊那所以今天是說主任公司他主動去\n\n05:53.843 --> 06:17.720\n去跟這個比如說這個要借貸的人去跟他要資料他才去對所以這個就是沒有限制嘛對那因為這個已經取得消費者的同意所以他可以報資料那我認為啦我一般跟這個銀行借款啊他都會去聯徵嘛就是說看我個人的這個借貸紀錄是怎麼樣才決定說到底要不要借和借多少嘛那為什麼租賃公司不要融資公司不用勒\n\n06:18.780 --> 06:42.756\n這個我的意思是說這個為什麼沒有強制性勒?報告委員那個銀行因為他的風險控管非常的嚴格對這就是問題所在嘛我們對於租賃公司的這個控管風險沒有這麼嚴格啊對報告委員因為租賃公司其實我們跟他談的過程他們有跟我們反應就是說因為他們相對於其他的銀行就是他的速度很快\n\n06:43.516 --> 07:00.573\n他可能當天就沒有不是齁這個問題就在於說齁通常是比如說信用可能不是很好的人他銀行借不到錢了才到這個租賃公司去借吧那所以說如果再去廉政的話那大概就過不了吧應該是這個原因吧啊但是我們是認為說當然對有些人來講他有這個需求\n\n07:02.634 --> 07:18.125\n但是如果說能夠跟廉政中心配合的話那至少租賃公司他在借貸的時候他有一個比例嘛或者說我大概可以借多少不是說這個沒有限制那甚至呢借更多給他那形成一種惡性的循環啊\n\n07:18.925 --> 07:37.441\n所以我才覺得說是不是應該就是說你來借貸的話你每個租賃公司你就必須要跟年政中心來做一個這個審視就是說那到底這個來借貸的人那到底信用有沒有問題啊啊不然這個就變成是空的了嘛就變成說我的信用不好啊但是呢我銀行借不到反正我來租賃公司借嘛\n\n07:38.561 --> 07:45.426\n這個就是你們要去處理的問題嘛如果你覺得我的想法也不錯那也可以說讓這個這個這個現象就是說這個三道猴子的現象這個一字二性循環那你們就應該去做啊\n\n08:03.666 --> 08:32.683\n委員我跟您報告其實我們有處理過去前年開始因為連珍是會員制他只有銀行才能加入那有一種方式現在就是像那種做線上P2P的公司我們開第二資料庫他用很快的方式由個人去申請轉借給轉交給他很快的方式取得你的creditreport然後交給這個公司也是一種方式不直接取得但是由個人去取得\n\n08:33.363 --> 08:46.170\n這個你們去設計嘛就是說我是希望說這一個連徵這個有關信用記錄這方面你們也要做處理啊就是說你不能跟我講說那會員不是會員銀行才是會員才可以加入啊\n\n08:47.965 --> 09:03.792\n我的想法就是說你要去看說那個人借貸的信錄那個信用到底是怎麼樣那如果不好的話你不應該一直在借他那當然說租賃公司要賺錢那可是對那個人來講他可能這個沒有任何的限制的情況之下可能越借越多啊越欠越多啊\n\n09:06.275 --> 09:34.634\n委員我想您垂訊的地方我們會去努力跟公會銀行公會跟那個廉政中心那邊去這個你們要去處理我覺得你們要去處理好不好就有關這個信用廉政這部分可不可以去處理其實也要看租用公司自己本身的想法我想我們可以去研究你們看他的想法一定是說不用的啊維持現狀是最好的啊但我們就是因為有問題今天才請你們來做報告啊對不對\n\n09:36.420 --> 09:39.702\n這個你們要想出一個對象出來好不好?你們要去突破這個是一個問題所在那再請問一下我們現在這個八大關國行庫這個對於融資公司的貸款有1300多億然後呢再加上呢這個還有購買這個三家主任公司的公司債呢200多億所以呢\n\n10:02.463 --> 10:18.862\n總共這個從這個融資公司呢從八大行庫呢至少齁搬了快1500億左右啦齁那請問一下這個融資公司呢跟這個公股銀行呢這個融資齁然後呢再把這個錢呢再借貸出去啊中間有沒有利差\n\n10:21.935 --> 10:24.897\n銀行法有相關的這個利率上面的規定嗎?\n\n10:46.511 --> 11:10.185\n這個我要請教就是說,如果是跟這個主領公司、跟這個公股銀行借錢,我認為啦,還是要有一個限制啦,還是要有一個限制啦。我想那個公股部分我們尊重財政部的決定,但是整體金融機構部分我們會再強化,謝謝。那另外齁,這個有沒有催收的準則出來?\n\n11:12.583 --> 11:26.737\n主任公司的催修準則有出來嗎?因為現在很多這個主任公司都把他的債權這個轉給這個黑道的也有啊不是其他的什麼來催修也有啊這個催修準則有沒有出來?\n\n11:27.520 --> 11:29.661\n這個我們對金融機構的催收有一個定型化的契約嗎?\n\n11:43.035 --> 12:04.413\n有沒有應該是說我們對他們的管理就是說他這邊的吹收他要符合一切法令的規定當然要符合那我意思就是說在這次的自律規範裡面有沒有這個吹收的準則出來啦因為有嗎我們原則性的規定有在這個自律規範裡面這個講了很多都是這個租賃公司的自律啦\n\n12:05.234 --> 12:07.617\n謝謝李昆成委的質詢因為李燕秀委員另有要問\n\n","segments":[{"start":3.846,"end":29.282,"text":"謝謝主席我們請這個金管會黃主委有請有請黃主委主委好不好意思剛喝水有喝過了嗎可以謝謝不好意思耽誤您時間沒有沒有不要不好意思也辛苦了啦那這個報告是大概晚了兩個禮拜因為上次要來報告的時候遇到大地震"},{"start":29.847,"end":29.987,"text":"法務委員"},{"start":45.274,"end":72.355,"text":"這個請教一下主委就是說這個大家都很關心這件事情那其實我們也常常在這個廣告上面這個網路的廣告上面也看到說有很多這個釣魚式的廣告關於這個融資公司的一些或是說這個先買後付的一些這些釣魚式的廣告他常常在講就是說你信用瑕疵也可以帶啦然後呢這個一般商品也可以帶啦手機也可以帶啦然後而且呢這個是低利貸款"},{"start":73.516,"end":98.907,"text":"然後也講到說這個貸款的這個條件呢條件不拘誰來誰借然後這個保證過借這個超高額度然後呢這個而且還有這個最新型的這個手機APP的貸款按照手機的這個指示呢就可以申辦那甚至也不知道說這個實際上利率是多少所以呢讓你貸款的時候是非常方便但是呢這個是處處的都是陷阱"},{"start":99.947,"end":122.664,"text":"所以也產生了很多弊端至少有第一個連針的死角第二個超高的利率違約金跟慈嚴的循環利息一起來算然後可貸的乘數也沒有限制甚至以數倍計然後萬物皆可貸所以造成這些弊端請問一下雖然說4月初開始"},{"start":124.525,"end":127.467,"text":"委員這樣子您剛剛垂詢的有一些部分其實都已經納入了我是不是可以請局長給您比較完整的說明"},{"start":150.578,"end":164.814,"text":"報告委員針對剛剛委員所提的尤其是針對弊端二的這個部分超高利率違約金跟延遲利息的併給的部分我們這邊在那個主任公會的自律規範裡面已經說這兩個不能並行然後再來這個"},{"start":168.258,"end":185.103,"text":"陳述無限制甚至已被記這個部分這涉及到廣告不實會有誤導所以這個部分的話在自律規範裡面也要求主任公司對於他這個行銷單位因為有些行銷的廣告其實是他的代辦公司或者是他業務合作那這誰來管這廣告誰來管"},{"start":186.823,"end":186.843,"text":"這有罰則嗎?"},{"start":204.337,"end":219.764,"text":"自律規範這邊的罰則就是他們公會裡面他們對會員如果違反自律規範會有什麼樣的罰則所以這邊到底用什麼樣的處罰方式看起來沒有處罰啦我大概有看了一下他們的這個自律的規範沒有處罰第一個沒有處罰第二個"},{"start":222.305,"end":233.819,"text":"這有溯及繼往嗎?還是從4月初開始之後,他們自律規範定了之後才開始?那過去呢?過去也有這些超高利率啊,還有葛泰城市無限制啊,那過去的呢?過去的有辦法處理嗎?"},{"start":237.961,"end":238.261,"text":"有講跟沒講一樣你們要去審視阿"},{"start":266.379,"end":288.146,"text":"這過去的這個規定如果都已經違法違法相關的規定那怎麼可以說一刀切4月4號之後的就按照這個自律規範4月3號之前的呢那我們還是按照舊的它違法就違法啦這個你們要去審視你們要請這個諸董公司要去審視過去的契約如果有違法這個相關的規定的話那這個契約就應該是作廢了吧沒有效了吧"},{"start":289.935,"end":317.187,"text":"對,委員我剛剛所說的就是主任公司他不會因為說他之前的契約已經生效他們以後對於消費者的這個部分的話會遵守最新的自律規範對,那我是說之前簽的約勒?對,還是他還是會按照最新的自律規範所以意思是說可以溯及既往就對了?對,是好,那你剛才提到那個四個弊端第一個,廉政死角你沒有回答我是現在廉政還是死角嗎?"},{"start":319.844,"end":323.151,"text":"就是竹林公司跟我們的這個廉政中心到底有沒有連線啊?"},{"start":324.629,"end":352.707,"text":"報告委員現在主任公司有一部分他如果當他需要消費者的信用報告因為這些消費者希望有取得信用報告所以當他如果跟連真拿消費者同意之下他取得信用報告的時候他們這邊他們會把他對消費者的那個授信他會報到連真這邊那所以今天是說主任公司他主動去"},{"start":353.843,"end":377.72,"text":"去跟這個比如說這個要借貸的人去跟他要資料他才去對所以這個就是沒有限制嘛對那因為這個已經取得消費者的同意所以他可以報資料那我認為啦我一般跟這個銀行借款啊他都會去聯徵嘛就是說看我個人的這個借貸紀錄是怎麼樣才決定說到底要不要借和借多少嘛那為什麼租賃公司不要融資公司不用勒"},{"start":378.78,"end":402.756,"text":"這個我的意思是說這個為什麼沒有強制性勒?報告委員那個銀行因為他的風險控管非常的嚴格對這就是問題所在嘛我們對於租賃公司的這個控管風險沒有這麼嚴格啊對報告委員因為租賃公司其實我們跟他談的過程他們有跟我們反應就是說因為他們相對於其他的銀行就是他的速度很快"},{"start":403.516,"end":420.573,"text":"他可能當天就沒有不是齁這個問題就在於說齁通常是比如說信用可能不是很好的人他銀行借不到錢了才到這個租賃公司去借吧那所以說如果再去廉政的話那大概就過不了吧應該是這個原因吧啊但是我們是認為說當然對有些人來講他有這個需求"},{"start":422.634,"end":438.125,"text":"但是如果說能夠跟廉政中心配合的話那至少租賃公司他在借貸的時候他有一個比例嘛或者說我大概可以借多少不是說這個沒有限制那甚至呢借更多給他那形成一種惡性的循環啊"},{"start":438.925,"end":457.441,"text":"所以我才覺得說是不是應該就是說你來借貸的話你每個租賃公司你就必須要跟年政中心來做一個這個審視就是說那到底這個來借貸的人那到底信用有沒有問題啊啊不然這個就變成是空的了嘛就變成說我的信用不好啊但是呢我銀行借不到反正我來租賃公司借嘛"},{"start":458.561,"end":465.426,"text":"這個就是你們要去處理的問題嘛如果你覺得我的想法也不錯那也可以說讓這個這個這個現象就是說這個三道猴子的現象這個一字二性循環那你們就應該去做啊"},{"start":483.666,"end":512.683,"text":"委員我跟您報告其實我們有處理過去前年開始因為連珍是會員制他只有銀行才能加入那有一種方式現在就是像那種做線上P2P的公司我們開第二資料庫他用很快的方式由個人去申請轉借給轉交給他很快的方式取得你的credit report然後交給這個公司也是一種方式不直接取得但是由個人去取得"},{"start":513.363,"end":526.17,"text":"這個你們去設計嘛就是說我是希望說這一個連徵這個有關信用記錄這方面你們也要做處理啊就是說你不能跟我講說那會員不是會員銀行才是會員才可以加入啊"},{"start":527.965,"end":543.792,"text":"我的想法就是說你要去看說那個人借貸的信錄那個信用到底是怎麼樣那如果不好的話你不應該一直在借他那當然說租賃公司要賺錢那可是對那個人來講他可能這個沒有任何的限制的情況之下可能越借越多啊越欠越多啊"},{"start":546.275,"end":574.634,"text":"委員我想您垂訊的地方我們會去努力跟公會銀行公會跟那個廉政中心那邊去這個你們要去處理我覺得你們要去處理好不好就有關這個信用廉政這部分可不可以去處理其實也要看租用公司自己本身的想法我想我們可以去研究你們看他的想法一定是說不用的啊維持現狀是最好的啊但我們就是因為有問題今天才請你們來做報告啊對不對"},{"start":576.42,"end":579.702,"text":"這個你們要想出一個對象出來好不好?你們要去突破 這個是一個問題所在那再請問一下我們現在這個八大關國行庫這個對於融資公司的貸款有1300多億然後呢再加上呢這個還有購買這個三家主任公司的公司債呢200多億所以呢"},{"start":602.463,"end":618.862,"text":"總共這個從這個融資公司呢從八大行庫呢至少齁搬了快1500億左右啦齁那請問一下這個融資公司呢跟這個公股銀行呢這個融資齁然後呢再把這個錢呢再借貸出去啊中間有沒有利差"},{"start":621.935,"end":624.897,"text":"銀行法有相關的這個利率上面的規定嗎?"},{"start":646.511,"end":670.185,"text":"這個我要請教就是說,如果是跟這個主領公司、跟這個公股銀行借錢,我認為啦,還是要有一個限制啦,還是要有一個限制啦。我想那個公股部分我們尊重財政部的決定,但是整體金融機構部分我們會再強化,謝謝。那另外齁,這個有沒有催收的準則出來?"},{"start":672.583,"end":686.737,"text":"主任公司的催修準則有出來嗎?因為現在很多這個主任公司都把他的債權這個轉給這個黑道的也有啊不是其他的什麼來催修也有啊這個催修準則有沒有出來?"},{"start":687.52,"end":689.661,"text":"這個我們對金融機構的催收有一個定型化的契約嗎?"},{"start":703.035,"end":724.413,"text":"有沒有應該是說我們對他們的管理就是說他這邊的吹收他要符合一切法令的規定當然要符合那我意思就是說在這次的自律規範裡面有沒有這個吹收的準則出來啦因為有嗎我們原則性的規定有在這個自律規範裡面這個講了很多都是這個租賃公司的自律啦"},{"start":725.234,"end":727.617,"text":"謝謝李昆成委的質詢因為李燕秀委員另有要問"}]}}}}