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\"start\": 594.608, \"end\": 594.688, \"score\": 0.75}, {\"word\": \"望\", \"start\": 594.688, \"end\": 594.708, \"score\": 0.0}, {\"word\": \"主\", \"start\": 614.053, \"end\": 614.173, \"score\": 0.83}, {\"word\": \"席\", \"start\": 614.173, \"end\": 614.193, \"score\": 0.0}], \"language\": \"zh\"}","srt":"1\n00:00:04,707 --> 00:00:07,050\n主委好,我想我先舉一個個案\n\n2\n00:00:19,458 --> 00:00:45,465\n從前面八位委員質詢提了很多個案你就知道這些租賃業者手法我實在是非常佩服不只三道猴子包括在美容院的這些平常去按摩做臉的媽媽都被騙我從網路上有一個朋友傳給我一個訊息就是說他上美容院都因為上美容院最後變成被這個租賃業者欠了一筆股的債\n\n3\n00:00:46,365 --> 00:00:54,351\n朋友的媽媽去美容院被推銷按摩然後要送產品那所以就簽了一個契約那簽了契約之後他跟他講說每個月只要花4000塊來付費那就可以把這些保養品全部都帶回家\n\n4\n00:01:02,657 --> 00:01:21,982\n所以回家之後帶回那一整套的保養品之後家人聽一聽覺得怪怪的想拿契約來看但是沒有契約最後才回到這個美容中心去要求看真正的合約的內容然後要求說是不是可以跟註定公司只付款甚至是保養品要退貨\n\n5\n00:01:23,022 --> 00:01:49,871\n但是租賃業者拒絕退貨有幾個主要原因包括就是說他契約上面已經寫了這個保安品拆開了或已經簽了約就不可要求退款退貨等等所以這些租賃業者的手法非常多我相信從今天早上到目前為止許多委員都提出了很多的個案他們手法這個無孔不入所以我還是要再一次強調就是說我覺得\n\n6\n00:01:50,711 --> 00:02:18,521\n目前消保處針對於6項產業有要求做定型化契約包括瘦身美容短期補習班跟網際網路教學服務健身中心、健身教練等這6種行業我們有要求要做一些定型化的契約跟規範但是我剛才強調了這些租賃業者的手法無所不在那其他的行業呢\n\n7\n00:02:20,014 --> 00:02:27,219\n我們如何去規範它有沒有辦法處長還是主委因為我不知道主管機關是誰是\n\n8\n00:02:30,811 --> 00:02:55,681\n報導委員就是有關於我們現在目前是針對我們這6項就是現在目前消費爭議比較多的行業來處理那依照我們超寶法17條我們就是選由主管機關主管機關就是中央主管機關來選定比較有爭議的行業所以的確委員剛剛講的說那除了這6個以外怎麼辦那這也是這一次就是說在討論其實主要我要跟委員報告一下就是說定型化企業其實是在規範企業經營者跟消費者那租賃\n\n9\n00:02:56,361 --> 00:03:09,328\n處長你只要告訴我什麼時候因為我今天時間有限我很想問到答案因為這些租賃業者消費者會不會覺得被詐騙這也是詐騙當中其中一環對很多人來說所以\n\n10\n00:03:11,991 --> 00:03:37,683\n到底什麼時候其他的行業也會規範進來只要告訴我答案就好了我跟委員報告一下本處現在是在整理外國立法例因為現在有關於剛剛有很多委員在討論要不要一個主管機關以及要不要訂專法那剛剛大概都有回應就是有一些就是金管會跟經濟部都有做一些回應那我這個部分我們現在目前處裡面是在整理外國立法例那希望我們把這個整理整理一下包括有沒有辦法多久好多久\n\n11\n00:03:38,163 --> 00:03:55,816\n我們應該近期就可以把它整理出來,如果整理出來會跟委員報告。好,謝謝。黃主委,我希望一個月之內,包括消保處可以把所有行業定型化的契約,哪些應該載明,哪些不應該載明,哪些不應該放在裡面把它寫清楚。\n\n12\n00:03:56,616 --> 00:04:11,395\n我覺得主委現在很多就是因為我們現在討論是融資公司缺乏監理的問題現在很多其實都有單保品的借貸的事實上都只有我們金融機構可以做\n\n13\n00:04:12,757 --> 00:04:37,685\n但是現在所有的租賃業者他們用的手法無所不在比如說我從網路上隨便舉一個例子他都寫說汽車市價兩倍以上他可以貸款的額度可以到達汽車或機車市價兩倍以上他都可以借而且可以有薪資什麼相關的證明也可以弄得到但是事實上這些就是從事無單保品的這個借貸的行為\n\n14\n00:04:39,906 --> 00:04:41,646\n我沒有辦法從這一頁去判斷他有沒有標示公司的名稱\n\n15\n00:05:08,758 --> 00:05:28,181\n所以主委我覺得因為現在從事販款業務包括無擔保品的就只有我們金融單位可以做到底租賃業者可不可以做這件事情現在很多租賃業者都遊走在法規很模糊的地方去做這些業務\n\n16\n00:05:29,642 --> 00:05:53,163\n所以包括定型化契約也寫得不清楚所以政府應該要做的事情沒有做好包括主管機關到底是誰這些被欺騙的消費者他覺得被詐騙了但是我們政府居然沒有一個任何兩位是一個主管機關我個人認為這件事情是非常離譜的\n\n17\n00:05:55,091 --> 00:06:02,439\n所以到底今天質詢到現在已經接近中午我們未來主管機關有可能是誰?明確了嗎?\n\n18\n00:06:03,820 --> 00:06:27,566\n委員跟您報告您剛垂詢的其實融資公司現在的法據是公司法15條只是他用另外一種方式因收賬款收買方式擴大他的業務並不是沒有法據那只是在行為面需要被監管剛才處長也跟您報告過其實行政院有討論過請消保處去研究相關各國法制那法制研究完之後就可以做一個討論\n\n19\n00:06:29,878 --> 00:06:42,958\n他的行為面沒有被監管到這個也是一個很離譜不管哪一個單位行為面沒有人監管這也是滿離譜的帶放的行為這個部分就跟消費者相關的這個部分\n\n20\n00:06:43,772 --> 00:07:00,284\n所以我其實問到今天其實這個背後可以放款這麼多的業務我擔心的啦就是說我不知道我不知道公股銀行借款給這些豬立業者到底有多少的金額到底我們擔心的是會不會造成像20年前喬治馬利現金卡的事件\n\n21\n00:07:02,125 --> 00:07:02,325\n主席的意見\n\n22\n00:07:19,401 --> 00:07:37,738\n所以我們期待其實監管單位也好或者是我們相關單位其實組織機關應該要夠清楚而且這是行為面超越法令的部分我覺得我們應該要有更明確的要求那不只這六大行業我們應該高度的監管其他單位我們也應該要有好處長你請問我今天有另外一個主要的議題我想要請問主委\n\n23\n00:07:44,184 --> 00:08:12,698\n主委我們現在針對上市商櫃公司永續發展我們在前年有定一個規範就是針對27條之一上市商櫃公司可以經由捐助、贊助、投資益助資源給文化藝術活動加入我們所謂的ESG永續發展的這個納入ESG裡面做加分的評鑑有這件事情嗎?對不對?有,文化藝術應該是前年加進去的好,主委我今天關注的\n\n24\n00:08:14,239 --> 00:08:28,358\n其實我認為這件事情是值得肯定的但是教育跟文化是不可分的所以包括這一次4月3號大地震之後全台灣其實很多公立學校的校舍\n\n25\n00:08:29,039 --> 00:08:45,850\n其實也應該要拆除包括它已經超過50年所以我非常我個人非常期待譬如說以台北市為例有公立學校有1530棟校舍有超過50年的將近有三分之一那接下來20年之內將近有1300棟校舍會超過50年那\n\n26\n00:08:50,132 --> 00:09:09,392\n這是臺北市的狀況更不要說全國的狀況但是我們都知道教育部也好地方政府也好其實能夠有錢撥資源去修善校舍或重建校舍的金額真的非常少我們常常在說苦不能苦了孩子我們希望給孩子一個更好的教育空間\n\n27\n00:09:10,213 --> 00:09:11,054\n我認為您的詢詢可以交代這個內容我們去研究\n\n28\n00:09:35,112 --> 00:09:53,021\n主委你個人覺得這個方向可不可行?你的看法呢?社會責任當然也包含企業的回饋當然也包含在其中一環所以我非常期待主委你能支持這件事情\n\n29\n00:09:53,988 --> 00:09:54,708\n好,謝謝主委您正面的回應,我也希望\n\n30\n00:10:14,053 --> 00:10:14,193\n主席\n\n","tsv":"start\tend\ttext\n4707\t7050\t主委好,我想我先舉一個個案\n19458\t45465\t從前面八位委員質詢提了很多個案你就知道這些租賃業者手法我實在是非常佩服不只三道猴子包括在美容院的這些平常去按摩做臉的媽媽都被騙我從網路上有一個朋友傳給我一個訊息就是說他上美容院都因為上美容院最後變成被這個租賃業者欠了一筆股的債\n46365\t54351\t朋友的媽媽去美容院被推銷按摩然後要送產品那所以就簽了一個契約那簽了契約之後他跟他講說每個月只要花4000塊來付費那就可以把這些保養品全部都帶回家\n62657\t81982\t所以回家之後帶回那一整套的保養品之後家人聽一聽覺得怪怪的想拿契約來看但是沒有契約最後才回到這個美容中心去要求看真正的合約的內容然後要求說是不是可以跟註定公司只付款甚至是保養品要退貨\n83022\t109871\t但是租賃業者拒絕退貨有幾個主要原因包括就是說他契約上面已經寫了這個保安品拆開了或已經簽了約就不可要求退款退貨等等所以這些租賃業者的手法非常多我相信從今天早上到目前為止許多委員都提出了很多的個案他們手法這個無孔不入所以我還是要再一次強調就是說我覺得\n110711\t138521\t目前消保處針對於6項產業有要求做定型化契約包括瘦身美容短期補習班跟網際網路教學服務健身中心、健身教練等這6種行業我們有要求要做一些定型化的契約跟規範但是我剛才強調了這些租賃業者的手法無所不在那其他的行業呢\n140014\t147219\t我們如何去規範它有沒有辦法處長還是主委因為我不知道主管機關是誰是\n150811\t175681\t報導委員就是有關於我們現在目前是針對我們這6項就是現在目前消費爭議比較多的行業來處理那依照我們超寶法17條我們就是選由主管機關主管機關就是中央主管機關來選定比較有爭議的行業所以的確委員剛剛講的說那除了這6個以外怎麼辦那這也是這一次就是說在討論其實主要我要跟委員報告一下就是說定型化企業其實是在規範企業經營者跟消費者那租賃\n176361\t189328\t處長你只要告訴我什麼時候因為我今天時間有限我很想問到答案因為這些租賃業者消費者會不會覺得被詐騙這也是詐騙當中其中一環對很多人來說所以\n191991\t217683\t到底什麼時候其他的行業也會規範進來只要告訴我答案就好了我跟委員報告一下本處現在是在整理外國立法例因為現在有關於剛剛有很多委員在討論要不要一個主管機關以及要不要訂專法那剛剛大概都有回應就是有一些就是金管會跟經濟部都有做一些回應那我這個部分我們現在目前處裡面是在整理外國立法例那希望我們把這個整理整理一下包括有沒有辦法多久好多久\n218163\t235816\t我們應該近期就可以把它整理出來,如果整理出來會跟委員報告。好,謝謝。黃主委,我希望一個月之內,包括消保處可以把所有行業定型化的契約,哪些應該載明,哪些不應該載明,哪些不應該放在裡面把它寫清楚。\n236616\t251395\t我覺得主委現在很多就是因為我們現在討論是融資公司缺乏監理的問題現在很多其實都有單保品的借貸的事實上都只有我們金融機構可以做\n252757\t277685\t但是現在所有的租賃業者他們用的手法無所不在比如說我從網路上隨便舉一個例子他都寫說汽車市價兩倍以上他可以貸款的額度可以到達汽車或機車市價兩倍以上他都可以借而且可以有薪資什麼相關的證明也可以弄得到但是事實上這些就是從事無單保品的這個借貸的行為\n279906\t281646\t我沒有辦法從這一頁去判斷他有沒有標示公司的名稱\n308758\t328181\t所以主委我覺得因為現在從事販款業務包括無擔保品的就只有我們金融單位可以做到底租賃業者可不可以做這件事情現在很多租賃業者都遊走在法規很模糊的地方去做這些業務\n329642\t353163\t所以包括定型化契約也寫得不清楚所以政府應該要做的事情沒有做好包括主管機關到底是誰這些被欺騙的消費者他覺得被詐騙了但是我們政府居然沒有一個任何兩位是一個主管機關我個人認為這件事情是非常離譜的\n355091\t362439\t所以到底今天質詢到現在已經接近中午我們未來主管機關有可能是誰?明確了嗎?\n363820\t387566\t委員跟您報告您剛垂詢的其實融資公司現在的法據是公司法15條只是他用另外一種方式因收賬款收買方式擴大他的業務並不是沒有法據那只是在行為面需要被監管剛才處長也跟您報告過其實行政院有討論過請消保處去研究相關各國法制那法制研究完之後就可以做一個討論\n389878\t402958\t他的行為面沒有被監管到這個也是一個很離譜不管哪一個單位行為面沒有人監管這也是滿離譜的帶放的行為這個部分就跟消費者相關的這個部分\n403772\t420284\t所以我其實問到今天其實這個背後可以放款這麼多的業務我擔心的啦就是說我不知道我不知道公股銀行借款給這些豬立業者到底有多少的金額到底我們擔心的是會不會造成像20年前喬治馬利現金卡的事件\n422125\t422325\t主席的意見\n439401\t457738\t所以我們期待其實監管單位也好或者是我們相關單位其實組織機關應該要夠清楚而且這是行為面超越法令的部分我覺得我們應該要有更明確的要求那不只這六大行業我們應該高度的監管其他單位我們也應該要有好 處長你請問我今天有另外一個主要的議題我想要請問主委\n464184\t492698\t主委我們現在針對上市商櫃公司永續發展我們在前年有定一個規範就是針對27條之一上市商櫃公司可以經由捐助、贊助、投資益助資源給文化藝術活動加入我們所謂的ESG永續發展的這個納入ESG裡面做加分的評鑑有這件事情嗎?對不對?有,文化藝術應該是前年加進去的好,主委我今天關注的\n494239\t508358\t其實我認為這件事情是值得肯定的但是教育跟文化是不可分的所以包括這一次4月3號大地震之後全台灣其實很多公立學校的校舍\n509039\t525850\t其實也應該要拆除包括它已經超過50年所以我非常我個人非常期待譬如說以台北市為例有公立學校有1530棟校舍有超過50年的將近有三分之一那接下來20年之內將近有1300棟校舍會超過50年那\n530132\t549392\t這是臺北市的狀況更不要說全國的狀況但是我們都知道教育部也好地方政府也好其實能夠有錢撥資源去修善校舍或重建校舍的金額真的非常少我們常常在說苦不能苦了孩子我們希望給孩子一個更好的教育空間\n550213\t551054\t我認為您的詢詢可以交代這個內容我們去研究\n575112\t593021\t主委你個人覺得這個方向可不可行?你的看法呢?社會責任當然也包含企業的回饋當然也包含在其中一環所以我非常期待主委你能支持這件事情\n593988\t594708\t好,謝謝主委您正面的回應,我也希望\n614053\t614193\t主席\n","txt":"主委好,我想我先舉一個個案\n從前面八位委員質詢提了很多個案你就知道這些租賃業者手法我實在是非常佩服不只三道猴子包括在美容院的這些平常去按摩做臉的媽媽都被騙我從網路上有一個朋友傳給我一個訊息就是說他上美容院都因為上美容院最後變成被這個租賃業者欠了一筆股的債\n朋友的媽媽去美容院被推銷按摩然後要送產品那所以就簽了一個契約那簽了契約之後他跟他講說每個月只要花4000塊來付費那就可以把這些保養品全部都帶回家\n所以回家之後帶回那一整套的保養品之後家人聽一聽覺得怪怪的想拿契約來看但是沒有契約最後才回到這個美容中心去要求看真正的合約的內容然後要求說是不是可以跟註定公司只付款甚至是保養品要退貨\n但是租賃業者拒絕退貨有幾個主要原因包括就是說他契約上面已經寫了這個保安品拆開了或已經簽了約就不可要求退款退貨等等所以這些租賃業者的手法非常多我相信從今天早上到目前為止許多委員都提出了很多的個案他們手法這個無孔不入所以我還是要再一次強調就是說我覺得\n目前消保處針對於6項產業有要求做定型化契約包括瘦身美容短期補習班跟網際網路教學服務健身中心、健身教練等這6種行業我們有要求要做一些定型化的契約跟規範但是我剛才強調了這些租賃業者的手法無所不在那其他的行業呢\n我們如何去規範它有沒有辦法處長還是主委因為我不知道主管機關是誰是\n報導委員就是有關於我們現在目前是針對我們這6項就是現在目前消費爭議比較多的行業來處理那依照我們超寶法17條我們就是選由主管機關主管機關就是中央主管機關來選定比較有爭議的行業所以的確委員剛剛講的說那除了這6個以外怎麼辦那這也是這一次就是說在討論其實主要我要跟委員報告一下就是說定型化企業其實是在規範企業經營者跟消費者那租賃\n處長你只要告訴我什麼時候因為我今天時間有限我很想問到答案因為這些租賃業者消費者會不會覺得被詐騙這也是詐騙當中其中一環對很多人來說所以\n到底什麼時候其他的行業也會規範進來只要告訴我答案就好了我跟委員報告一下本處現在是在整理外國立法例因為現在有關於剛剛有很多委員在討論要不要一個主管機關以及要不要訂專法那剛剛大概都有回應就是有一些就是金管會跟經濟部都有做一些回應那我這個部分我們現在目前處裡面是在整理外國立法例那希望我們把這個整理整理一下包括有沒有辦法多久好多久\n我們應該近期就可以把它整理出來,如果整理出來會跟委員報告。好,謝謝。黃主委,我希望一個月之內,包括消保處可以把所有行業定型化的契約,哪些應該載明,哪些不應該載明,哪些不應該放在裡面把它寫清楚。\n我覺得主委現在很多就是因為我們現在討論是融資公司缺乏監理的問題現在很多其實都有單保品的借貸的事實上都只有我們金融機構可以做\n但是現在所有的租賃業者他們用的手法無所不在比如說我從網路上隨便舉一個例子他都寫說汽車市價兩倍以上他可以貸款的額度可以到達汽車或機車市價兩倍以上他都可以借而且可以有薪資什麼相關的證明也可以弄得到但是事實上這些就是從事無單保品的這個借貸的行為\n我沒有辦法從這一頁去判斷他有沒有標示公司的名稱\n所以主委我覺得因為現在從事販款業務包括無擔保品的就只有我們金融單位可以做到底租賃業者可不可以做這件事情現在很多租賃業者都遊走在法規很模糊的地方去做這些業務\n所以包括定型化契約也寫得不清楚所以政府應該要做的事情沒有做好包括主管機關到底是誰這些被欺騙的消費者他覺得被詐騙了但是我們政府居然沒有一個任何兩位是一個主管機關我個人認為這件事情是非常離譜的\n所以到底今天質詢到現在已經接近中午我們未來主管機關有可能是誰?明確了嗎?\n委員跟您報告您剛垂詢的其實融資公司現在的法據是公司法15條只是他用另外一種方式因收賬款收買方式擴大他的業務並不是沒有法據那只是在行為面需要被監管剛才處長也跟您報告過其實行政院有討論過請消保處去研究相關各國法制那法制研究完之後就可以做一個討論\n他的行為面沒有被監管到這個也是一個很離譜不管哪一個單位行為面沒有人監管這也是滿離譜的帶放的行為這個部分就跟消費者相關的這個部分\n所以我其實問到今天其實這個背後可以放款這麼多的業務我擔心的啦就是說我不知道我不知道公股銀行借款給這些豬立業者到底有多少的金額到底我們擔心的是會不會造成像20年前喬治馬利現金卡的事件\n主席的意見\n所以我們期待其實監管單位也好或者是我們相關單位其實組織機關應該要夠清楚而且這是行為面超越法令的部分我覺得我們應該要有更明確的要求那不只這六大行業我們應該高度的監管其他單位我們也應該要有好 處長你請問我今天有另外一個主要的議題我想要請問主委\n主委我們現在針對上市商櫃公司永續發展我們在前年有定一個規範就是針對27條之一上市商櫃公司可以經由捐助、贊助、投資益助資源給文化藝術活動加入我們所謂的ESG永續發展的這個納入ESG裡面做加分的評鑑有這件事情嗎?對不對?有,文化藝術應該是前年加進去的好,主委我今天關注的\n其實我認為這件事情是值得肯定的但是教育跟文化是不可分的所以包括這一次4月3號大地震之後全台灣其實很多公立學校的校舍\n其實也應該要拆除包括它已經超過50年所以我非常我個人非常期待譬如說以台北市為例有公立學校有1530棟校舍有超過50年的將近有三分之一那接下來20年之內將近有1300棟校舍會超過50年那\n這是臺北市的狀況更不要說全國的狀況但是我們都知道教育部也好地方政府也好其實能夠有錢撥資源去修善校舍或重建校舍的金額真的非常少我們常常在說苦不能苦了孩子我們希望給孩子一個更好的教育空間\n我認為您的詢詢可以交代這個內容我們去研究\n主委你個人覺得這個方向可不可行?你的看法呢?社會責任當然也包含企業的回饋當然也包含在其中一環所以我非常期待主委你能支持這件事情\n好,謝謝主委您正面的回應,我也希望\n主席\n","vtt":"WEBVTT\n\n00:04.707 --> 00:07.050\n主委好,我想我先舉一個個案\n\n00:19.458 --> 00:45.465\n從前面八位委員質詢提了很多個案你就知道這些租賃業者手法我實在是非常佩服不只三道猴子包括在美容院的這些平常去按摩做臉的媽媽都被騙我從網路上有一個朋友傳給我一個訊息就是說他上美容院都因為上美容院最後變成被這個租賃業者欠了一筆股的債\n\n00:46.365 --> 00:54.351\n朋友的媽媽去美容院被推銷按摩然後要送產品那所以就簽了一個契約那簽了契約之後他跟他講說每個月只要花4000塊來付費那就可以把這些保養品全部都帶回家\n\n01:02.657 --> 01:21.982\n所以回家之後帶回那一整套的保養品之後家人聽一聽覺得怪怪的想拿契約來看但是沒有契約最後才回到這個美容中心去要求看真正的合約的內容然後要求說是不是可以跟註定公司只付款甚至是保養品要退貨\n\n01:23.022 --> 01:49.871\n但是租賃業者拒絕退貨有幾個主要原因包括就是說他契約上面已經寫了這個保安品拆開了或已經簽了約就不可要求退款退貨等等所以這些租賃業者的手法非常多我相信從今天早上到目前為止許多委員都提出了很多的個案他們手法這個無孔不入所以我還是要再一次強調就是說我覺得\n\n01:50.711 --> 02:18.521\n目前消保處針對於6項產業有要求做定型化契約包括瘦身美容短期補習班跟網際網路教學服務健身中心、健身教練等這6種行業我們有要求要做一些定型化的契約跟規範但是我剛才強調了這些租賃業者的手法無所不在那其他的行業呢\n\n02:20.014 --> 02:27.219\n我們如何去規範它有沒有辦法處長還是主委因為我不知道主管機關是誰是\n\n02:30.811 --> 02:55.681\n報導委員就是有關於我們現在目前是針對我們這6項就是現在目前消費爭議比較多的行業來處理那依照我們超寶法17條我們就是選由主管機關主管機關就是中央主管機關來選定比較有爭議的行業所以的確委員剛剛講的說那除了這6個以外怎麼辦那這也是這一次就是說在討論其實主要我要跟委員報告一下就是說定型化企業其實是在規範企業經營者跟消費者那租賃\n\n02:56.361 --> 03:09.328\n處長你只要告訴我什麼時候因為我今天時間有限我很想問到答案因為這些租賃業者消費者會不會覺得被詐騙這也是詐騙當中其中一環對很多人來說所以\n\n03:11.991 --> 03:37.683\n到底什麼時候其他的行業也會規範進來只要告訴我答案就好了我跟委員報告一下本處現在是在整理外國立法例因為現在有關於剛剛有很多委員在討論要不要一個主管機關以及要不要訂專法那剛剛大概都有回應就是有一些就是金管會跟經濟部都有做一些回應那我這個部分我們現在目前處裡面是在整理外國立法例那希望我們把這個整理整理一下包括有沒有辦法多久好多久\n\n03:38.163 --> 03:55.816\n我們應該近期就可以把它整理出來,如果整理出來會跟委員報告。好,謝謝。黃主委,我希望一個月之內,包括消保處可以把所有行業定型化的契約,哪些應該載明,哪些不應該載明,哪些不應該放在裡面把它寫清楚。\n\n03:56.616 --> 04:11.395\n我覺得主委現在很多就是因為我們現在討論是融資公司缺乏監理的問題現在很多其實都有單保品的借貸的事實上都只有我們金融機構可以做\n\n04:12.757 --> 04:37.685\n但是現在所有的租賃業者他們用的手法無所不在比如說我從網路上隨便舉一個例子他都寫說汽車市價兩倍以上他可以貸款的額度可以到達汽車或機車市價兩倍以上他都可以借而且可以有薪資什麼相關的證明也可以弄得到但是事實上這些就是從事無單保品的這個借貸的行為\n\n04:39.906 --> 04:41.646\n我沒有辦法從這一頁去判斷他有沒有標示公司的名稱\n\n05:08.758 --> 05:28.181\n所以主委我覺得因為現在從事販款業務包括無擔保品的就只有我們金融單位可以做到底租賃業者可不可以做這件事情現在很多租賃業者都遊走在法規很模糊的地方去做這些業務\n\n05:29.642 --> 05:53.163\n所以包括定型化契約也寫得不清楚所以政府應該要做的事情沒有做好包括主管機關到底是誰這些被欺騙的消費者他覺得被詐騙了但是我們政府居然沒有一個任何兩位是一個主管機關我個人認為這件事情是非常離譜的\n\n05:55.091 --> 06:02.439\n所以到底今天質詢到現在已經接近中午我們未來主管機關有可能是誰?明確了嗎?\n\n06:03.820 --> 06:27.566\n委員跟您報告您剛垂詢的其實融資公司現在的法據是公司法15條只是他用另外一種方式因收賬款收買方式擴大他的業務並不是沒有法據那只是在行為面需要被監管剛才處長也跟您報告過其實行政院有討論過請消保處去研究相關各國法制那法制研究完之後就可以做一個討論\n\n06:29.878 --> 06:42.958\n他的行為面沒有被監管到這個也是一個很離譜不管哪一個單位行為面沒有人監管這也是滿離譜的帶放的行為這個部分就跟消費者相關的這個部分\n\n06:43.772 --> 07:00.284\n所以我其實問到今天其實這個背後可以放款這麼多的業務我擔心的啦就是說我不知道我不知道公股銀行借款給這些豬立業者到底有多少的金額到底我們擔心的是會不會造成像20年前喬治馬利現金卡的事件\n\n07:02.125 --> 07:02.325\n主席的意見\n\n07:19.401 --> 07:37.738\n所以我們期待其實監管單位也好或者是我們相關單位其實組織機關應該要夠清楚而且這是行為面超越法令的部分我覺得我們應該要有更明確的要求那不只這六大行業我們應該高度的監管其他單位我們也應該要有好處長你請問我今天有另外一個主要的議題我想要請問主委\n\n07:44.184 --> 08:12.698\n主委我們現在針對上市商櫃公司永續發展我們在前年有定一個規範就是針對27條之一上市商櫃公司可以經由捐助、贊助、投資益助資源給文化藝術活動加入我們所謂的ESG永續發展的這個納入ESG裡面做加分的評鑑有這件事情嗎?對不對?有,文化藝術應該是前年加進去的好,主委我今天關注的\n\n08:14.239 --> 08:28.358\n其實我認為這件事情是值得肯定的但是教育跟文化是不可分的所以包括這一次4月3號大地震之後全台灣其實很多公立學校的校舍\n\n08:29.039 --> 08:45.850\n其實也應該要拆除包括它已經超過50年所以我非常我個人非常期待譬如說以台北市為例有公立學校有1530棟校舍有超過50年的將近有三分之一那接下來20年之內將近有1300棟校舍會超過50年那\n\n08:50.132 --> 09:09.392\n這是臺北市的狀況更不要說全國的狀況但是我們都知道教育部也好地方政府也好其實能夠有錢撥資源去修善校舍或重建校舍的金額真的非常少我們常常在說苦不能苦了孩子我們希望給孩子一個更好的教育空間\n\n09:10.213 --> 09:11.054\n我認為您的詢詢可以交代這個內容我們去研究\n\n09:35.112 --> 09:53.021\n主委你個人覺得這個方向可不可行?你的看法呢?社會責任當然也包含企業的回饋當然也包含在其中一環所以我非常期待主委你能支持這件事情\n\n09:53.988 --> 09:54.708\n好,謝謝主委您正面的回應,我也希望\n\n10:14.053 --> 10:14.193\n主席\n\n","segments":[{"start":4.707,"end":7.05,"text":"主委好,我想我先舉一個個案"},{"start":19.458,"end":45.465,"text":"從前面八位委員質詢提了很多個案你就知道這些租賃業者手法我實在是非常佩服不只三道猴子包括在美容院的這些平常去按摩做臉的媽媽都被騙我從網路上有一個朋友傳給我一個訊息就是說他上美容院都因為上美容院最後變成被這個租賃業者欠了一筆股的債"},{"start":46.365,"end":54.351,"text":"朋友的媽媽去美容院被推銷按摩然後要送產品那所以就簽了一個契約那簽了契約之後他跟他講說每個月只要花4000塊來付費那就可以把這些保養品全部都帶回家"},{"start":62.657,"end":81.982,"text":"所以回家之後帶回那一整套的保養品之後家人聽一聽覺得怪怪的想拿契約來看但是沒有契約最後才回到這個美容中心去要求看真正的合約的內容然後要求說是不是可以跟註定公司只付款甚至是保養品要退貨"},{"start":83.022,"end":109.871,"text":"但是租賃業者拒絕退貨有幾個主要原因包括就是說他契約上面已經寫了這個保安品拆開了或已經簽了約就不可要求退款退貨等等所以這些租賃業者的手法非常多我相信從今天早上到目前為止許多委員都提出了很多的個案他們手法這個無孔不入所以我還是要再一次強調就是說我覺得"},{"start":110.711,"end":138.521,"text":"目前消保處針對於6項產業有要求做定型化契約包括瘦身美容短期補習班跟網際網路教學服務健身中心、健身教練等這6種行業我們有要求要做一些定型化的契約跟規範但是我剛才強調了這些租賃業者的手法無所不在那其他的行業呢"},{"start":140.014,"end":147.219,"text":"我們如何去規範它有沒有辦法處長還是主委因為我不知道主管機關是誰是"},{"start":150.811,"end":175.681,"text":"報導委員就是有關於我們現在目前是針對我們這6項就是現在目前消費爭議比較多的行業來處理那依照我們超寶法17條我們就是選由主管機關主管機關就是中央主管機關來選定比較有爭議的行業所以的確委員剛剛講的說那除了這6個以外怎麼辦那這也是這一次就是說在討論其實主要我要跟委員報告一下就是說定型化企業其實是在規範企業經營者跟消費者那租賃"},{"start":176.361,"end":189.328,"text":"處長你只要告訴我什麼時候因為我今天時間有限我很想問到答案因為這些租賃業者消費者會不會覺得被詐騙這也是詐騙當中其中一環對很多人來說所以"},{"start":191.991,"end":217.683,"text":"到底什麼時候其他的行業也會規範進來只要告訴我答案就好了我跟委員報告一下本處現在是在整理外國立法例因為現在有關於剛剛有很多委員在討論要不要一個主管機關以及要不要訂專法那剛剛大概都有回應就是有一些就是金管會跟經濟部都有做一些回應那我這個部分我們現在目前處裡面是在整理外國立法例那希望我們把這個整理整理一下包括有沒有辦法多久好多久"},{"start":218.163,"end":235.816,"text":"我們應該近期就可以把它整理出來,如果整理出來會跟委員報告。好,謝謝。黃主委,我希望一個月之內,包括消保處可以把所有行業定型化的契約,哪些應該載明,哪些不應該載明,哪些不應該放在裡面把它寫清楚。"},{"start":236.616,"end":251.395,"text":"我覺得主委現在很多就是因為我們現在討論是融資公司缺乏監理的問題現在很多其實都有單保品的借貸的事實上都只有我們金融機構可以做"},{"start":252.757,"end":277.685,"text":"但是現在所有的租賃業者他們用的手法無所不在比如說我從網路上隨便舉一個例子他都寫說汽車市價兩倍以上他可以貸款的額度可以到達汽車或機車市價兩倍以上他都可以借而且可以有薪資什麼相關的證明也可以弄得到但是事實上這些就是從事無單保品的這個借貸的行為"},{"start":279.906,"end":281.646,"text":"我沒有辦法從這一頁去判斷他有沒有標示公司的名稱"},{"start":308.758,"end":328.181,"text":"所以主委我覺得因為現在從事販款業務包括無擔保品的就只有我們金融單位可以做到底租賃業者可不可以做這件事情現在很多租賃業者都遊走在法規很模糊的地方去做這些業務"},{"start":329.642,"end":353.163,"text":"所以包括定型化契約也寫得不清楚所以政府應該要做的事情沒有做好包括主管機關到底是誰這些被欺騙的消費者他覺得被詐騙了但是我們政府居然沒有一個任何兩位是一個主管機關我個人認為這件事情是非常離譜的"},{"start":355.091,"end":362.439,"text":"所以到底今天質詢到現在已經接近中午我們未來主管機關有可能是誰?明確了嗎?"},{"start":363.82,"end":387.566,"text":"委員跟您報告您剛垂詢的其實融資公司現在的法據是公司法15條只是他用另外一種方式因收賬款收買方式擴大他的業務並不是沒有法據那只是在行為面需要被監管剛才處長也跟您報告過其實行政院有討論過請消保處去研究相關各國法制那法制研究完之後就可以做一個討論"},{"start":389.878,"end":402.958,"text":"他的行為面沒有被監管到這個也是一個很離譜不管哪一個單位行為面沒有人監管這也是滿離譜的帶放的行為這個部分就跟消費者相關的這個部分"},{"start":403.772,"end":420.284,"text":"所以我其實問到今天其實這個背後可以放款這麼多的業務我擔心的啦就是說我不知道我不知道公股銀行借款給這些豬立業者到底有多少的金額到底我們擔心的是會不會造成像20年前喬治馬利現金卡的事件"},{"start":422.125,"end":422.325,"text":"主席的意見"},{"start":439.401,"end":457.738,"text":"所以我們期待其實監管單位也好或者是我們相關單位其實組織機關應該要夠清楚而且這是行為面超越法令的部分我覺得我們應該要有更明確的要求那不只這六大行業我們應該高度的監管其他單位我們也應該要有好 處長你請問我今天有另外一個主要的議題我想要請問主委"},{"start":464.184,"end":492.698,"text":"主委我們現在針對上市商櫃公司永續發展我們在前年有定一個規範就是針對27條之一上市商櫃公司可以經由捐助、贊助、投資益助資源給文化藝術活動加入我們所謂的ESG永續發展的這個納入ESG裡面做加分的評鑑有這件事情嗎?對不對?有,文化藝術應該是前年加進去的好,主委我今天關注的"},{"start":494.239,"end":508.358,"text":"其實我認為這件事情是值得肯定的但是教育跟文化是不可分的所以包括這一次4月3號大地震之後全台灣其實很多公立學校的校舍"},{"start":509.039,"end":525.85,"text":"其實也應該要拆除包括它已經超過50年所以我非常我個人非常期待譬如說以台北市為例有公立學校有1530棟校舍有超過50年的將近有三分之一那接下來20年之內將近有1300棟校舍會超過50年那"},{"start":530.132,"end":549.392,"text":"這是臺北市的狀況更不要說全國的狀況但是我們都知道教育部也好地方政府也好其實能夠有錢撥資源去修善校舍或重建校舍的金額真的非常少我們常常在說苦不能苦了孩子我們希望給孩子一個更好的教育空間"},{"start":550.213,"end":551.054,"text":"我認為您的詢詢可以交代這個內容我們去研究"},{"start":575.112,"end":593.021,"text":"主委你個人覺得這個方向可不可行?你的看法呢?社會責任當然也包含企業的回饋當然也包含在其中一環所以我非常期待主委你能支持這件事情"},{"start":593.988,"end":594.708,"text":"好,謝謝主委您正面的回應,我也希望"},{"start":614.053,"end":614.193,"text":"主席"}]}}}}