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12:24:57","影片長度":"00:06:53","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":413,"end_time":"2024-04-17T12:24:57+08:00","start_time":"2024-04-17T12:18:04+08:00","features":["ai-transcript","gazette"],"type":"Clip","gazette":{"lineno":902,"blocks":[["林委員楚茵：（12時18分）謝謝主席。主席，有請黃天牧黃主委、莊翠雲莊部長及陳正祺陳政次。"],["主席：好，黃主委、莊部長、陳政次。"],["黃主任委員天牧：委員好。"],["林委員楚茵：主委，辛苦了。"],["陳次長正祺：委員好。"],["林委員楚茵：午安。","首先我要先請黃主委。主委，您真的是辛苦了，過去在上一屆的財政委員會當中，我們共同一起解決了許多的問題，面對金融監理不是一件容易的事情，尤其是身為一個監理機關，坦白講，監理這件事情是顧人怨的。我自己過去在媒體的時候，坦白說，我們在媒體的時候，是最怕，也最討厭NCC，說實話，就是這樣，所以說面對許多的風雨，我想您心裡非常清楚，但是您承擔下來了，包括在上一屆會期最後，我們在講打詐的時候，詐騙這件事情其實根本沒有主管機關統一來處理，當時我們就想到了，如果是這種不法、不實的金融方面的廣告，我們可以用同樣的方式來規範，所以當時就修了相關法規，讓金管會至少能夠即時下架網路上的詐騙，當時包括您在內的金管會同仁，大家能夠跨部會合作，對於這件事情，其實我非常有感，您是真的非常勇於任事。因為我的時間有限，我要切進我的主題，就不讓您回答。","前面非常多財政委員會的委員都詢問了這次也同樣慢慢累積民怨的融資公司事件，其實融資公司的事件，大家都知道主管機關不是金管會，但是因為它跟現在在場的公營行庫及其他的民間銀行一樣，都跟金融借貸是相關聯的，所以很多事情就直接會問金管會，那你要不要處理？你要不要管？主委，我只問一個簡單的問題，就是銀行的借貸在金管會的高度監理之下，其實必須要遵守非常多的法遵、風控等等，銀行各種的借貸，不論是車貸、房貸，就你所瞭解，利率最低和最高的範圍大概是多少？"],["黃主任委員天牧：這要看貸款人的信用風險。"],["林委員楚茵：是。"],["黃主任委員天牧：當然不可能貸到16%，現在利率也很低，尤其有1%的，實務上我不敢亂講，在座都是金融界先進，講錯了不太好。"],["林委員楚茵：好，至少不會高達16%，甚至是10%左右就已經是多數他們能夠承擔的風險，因為只要符合法規。"],["黃主任委員天牧：是。"],["林委員楚茵：那您知道在融資公司當中，雖然有民法規定的16%，但是是不是真的都有用其他的方式，用乾坤大挪移的方法，把這樣的利率墊高？是不是有？"],["黃主任委員天牧：有。用其他的名目，包括違約金，那違約金的部分，我們這次就有處理。"],["林委員楚茵：好，沒錯。所以金管會注意到問題了。照理說，這些融資公司的主管機關應該就是經濟部，對不對？算經濟部？"],["黃主任委員天牧：我想目前各方面各部會都有就各自所管的部分去做處理，大家都有在合作。"],["林委員楚茵：好，所以有合作嘛，我請陳政次。"],["陳次長正祺：是，委員好。"],["林委員楚茵：剛剛我聽到前面的委員在詢答的時候有特別提到，行政院現在有注意到這個事情了，所以有一個跨部會之間的聯絡或平台了嗎？包括過去大家都知道的，剛剛前面也提到的聯徵中心的問題，但是聯徵中心不是會員就不能查，大家現在想講的其實就是，大家擔心的就是一個潛藏在我們看不到水面底下的金融危機存在著，所以有沒有可能建立所謂的第二平台？那這個第二平台是公開的嗎？那這個第二平台，經濟部會來介入嗎？因為它現在就不是金管會高度監理的這些銀行，因為銀行是有聯徵中心，那這個平台會建立嗎？如果建立的話，是經濟部來協助嗎？那這個資訊可以怎麼樣統合出來？因為我想強調的是，這些融資公司還是找公股行庫或民營行庫來借貸，這些借貸當中，我們都知道，如果它今天信用擔保可行，擔保品足夠，它就去找銀行了，我們擔憂的就是那些經濟弱勢的人去找融資公司，那就有可能產生我們看不到的金融監理的瑕疵。我想請問的是，現在大家關注的就是那個看不到的水位部分有沒有可能現形，那這個部分到底誰會是主管機關？又或者說是要帶回去，請行政院來做跨部會處理，就像當時打詐一樣。來，政次。"],["陳次長正祺：是。報告委員，委員所問的，正好就是我們覺得最重要的問題。"],["林委員楚茵：是。"],["陳次長正祺：目前來講，借貸基本上是民法上的借貸行為，而且融資公司目前並沒有這個登記的業別，他們不能登記為融資公司，所以我們現在是用公司名稱撈出來可能涉及的公司，那怎麼來處理這個民間的借貸行為？我們還需要跨部會來討論。在目前這個部分，經濟部是負責有關消費者保護的部分，金管會是負責金融體系安全的部分，我們大家一起來想想看，怎麼樣找到政策工具來管理。"],["林委員楚茵：好，我知道在520之前，大家恐怕都覺得必須要等，但是民眾的這個東西等不了。","最後，請部長到這裡，是因為大家也都提到了，公股行庫不要到最後揹上不必要的罵名，包括這些融資公司，如果他們真的有一些不法行為或不法情事，我希望你們能夠跟經濟部、金管會多一點橫向聯繫，那這些就要被列為重點項目觀察的拒絕往來戶，好嗎？"],["莊部長翠雲：是，謝謝委員。"],["林委員楚茵：我提醒的是，不要讓公股行庫變成好像是第一線要出來承擔。"],["莊部長翠雲：是，是，謝謝委員。"],["林委員楚茵：好，那我也期許，希望你們在短期內做跨部會的協商。","最後還是要說，黃主委，您辛苦了，其實您勇於任事的表現，我們身為財政委員會的委員，都是非常瞭解的。"],["黃主任委員天牧：謝謝委員。"],["主席：謝謝林楚茵委員質詢。","接著我們請洪孟楷委員質詢。"]],"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 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390.605, \"end\": 390.785, \"score\": 0.887}, {\"word\": \"茂\", \"start\": 390.785, \"end\": 390.886, \"score\": 0.793}, {\"word\": \"凱\"}, {\"word\": \"委\", \"start\": 390.886, \"end\": 390.906, \"score\": 0.0}, {\"word\": \"員\"}], \"language\": \"zh\"}","srt":"1\n00:00:00,549 --> 00:00:22,968\n謝謝主席。主席,有請黃天牧黃主委、莊志榮莊部長以及我們陳正琦、陳正次。好,黃主委、莊部長、陳正次。好,午安好。主委辛苦了。午安好。早,午安。首先我要先請黃主委。\n\n2\n00:00:24,994 --> 00:00:46,240\n主委您真的是辛苦了過去其實在上一屆的財政委員會當中其實我們共同一起解決了許多的問題我想其實面對這個金融監理不是一件容易的事情尤其是身為一個監理機關坦白講監理這件事情是顧人願的我自己過去在媒體的時候坦白說我們在媒體的時候是最\n\n3\n00:00:47,000 --> 00:01:13,875\n怕也最討厭NCC說實話就是這樣那麼所以說面對許多的風雨我想您心裡非常清楚但是其實您承擔下來了包括其實就在上一屆的會期的最後我們在講打詐的時候詐騙這件事情它其實根本沒有主管機關來統一來處理那麼當時我們就想到了如果說是這種不法不實的金融方面的這樣的一個廣告我們可以用\n\n4\n00:01:14,315 --> 00:01:41,398\n同樣來規範那麼就當時就修了這個相關的法規讓金管會至少能夠及時的下架網路上的詐騙的事件那麼其實對於當時包括您在內金管會的同仁大家能夠跨部會的合作這件事情其實是我非常有感的那您是真的非常勇於認識那麼因為我的時間有限我其實要切進我的主題就不讓您回答\n\n5\n00:01:42,619 --> 00:01:58,686\n對那就是剛剛其實前面非常多財政委員會的委員們都詢問了就是有關於這一次同樣也慢慢的在累積起民怨的就是融資公司的事件其實融資公司的事件大家都知道主管機關不是金管會\n\n6\n00:02:00,066 --> 00:02:15,101\n但是因為他跟現在在場的包括公營銀行庫以及其他的民間銀行一樣他都跟這個金融所謂借貸當中是相關聯的所以很多事情就直接會問金管會那你要不要處理你要不要管那麼\n\n7\n00:02:16,656 --> 00:02:36,906\n主委我只問一個簡單的問題喔就是銀行的借貸他因為在金管會的高度監理之下他其實必須要遵守非常多的法尊、封控等等銀行各種的借貸不論是車貸、房貸他的利率最低跟最高的範圍大概是多少如果就您所了解\n\n8\n00:02:38,386 --> 00:02:52,765\n這要看他的這個貸款人的信用風險當然不可能到16了當然就是現在利率也很低啊也許1%怎麼樣這個我想我沒有實務上我不敢亂講在座都是金融界先進他講錯了不太好\n\n9\n00:02:53,186 --> 00:03:09,628\n好,但至少他不會高達到16%甚至是10左右大概就是已經多數這個他們能夠承擔的風險因為這要符合法規那您知道在融資公司當中雖然有民法規定的16%但是是不是真的都有用其他的方式\n\n10\n00:03:10,785 --> 00:03:26,915\n用乾坤大農藝的方法把這樣的利率墊高是不是有有有其他的名目比方說違約金那違約金部分我們這次就有處理好沒錯所以金管會其實注意到問題了那照理說這些融資公司應該主管機關就是財政經濟部了嘛對不對\n\n11\n00:03:29,056 --> 00:03:31,137\n剛剛我聽到前面的委員在詢答的時候是有特別提到行政院現在有注意到這個事情了\n\n12\n00:03:48,647 --> 00:04:09,802\n所以有一個所謂的跨部會之間的一個聯絡或平台了嗎?包括我知道過去大家剛剛前面也提到了聯徵中心的問題但是聯徵中心不是會員你不能查大家現在其實想講的就是他擔心的是一個潛藏在我們看不到的水面底下的金融危機它存在著\n\n13\n00:04:10,302 --> 00:04:29,492\n所以有沒有可能建立所謂的第二平台那這個第二平台它是公開的嗎那這個第二平台經濟部會來介入嗎因為它現在它就不是金管會高度監理的這些銀行因為銀行是有連徵中心那這個平台會建立嗎如果建立的話是經濟部來做協助嗎那這個資訊可以怎麼樣來統合出來因為我想強調的是\n\n14\n00:04:36,088 --> 00:04:52,325\n這些融資東西他還是找我們的民營的所謂不論是公股行庫或是民營行庫來做借貸那麼這些到底借貸當中因為我們都知道如果他今天信用擔保可行他擔保品足夠他就去找銀行了\n\n15\n00:04:52,585 --> 00:04:52,765\n來正次\n\n16\n00:05:21,238 --> 00:05:47,455\n是報告委員委員所問的正好就是我們覺得最重要的問題啦目前來講的話借貸基本上是個民法上的借貸行為而且融資公司目前並沒有這個登記的業別他們不能登記為融資公司所以我們現在用公司名稱方式去把他撈出來可能涉及的公司他怎麼來處理這個民間的借貸行為我們還需要跨部會來討論在目前這個部分經濟部負責是有關消費者的保護這個部分\n\n17\n00:05:48,716 --> 00:06:06,870\n金管委是負責金融體系的安全的部分那我們大家一起來想想看怎麼樣來找到政策工具來管理好我知道因為在520之前呢恐怕就像這個大家都都覺得說好像要等但是民眾的這個東西是等不了最後請部長在這裡是因為大家也都提到了那公股、行庫喔\n\n18\n00:06:07,591 --> 00:06:28,723\n不要最後背上了不必要的罵名包括這些融資公司如果他們真的有一些不法的行為或不法情勢希望能夠跟經濟部跟金管會多一點橫向的聯繫那這些就要把它列為重點項目的觀察的拒絕往來戶好嗎提醒的是不要讓供股行戶變成是好像第一線要出來承擔\n\n19\n00:06:30,605 --> 00:06:30,906\n何茂凱委員\n\n","tsv":"start\tend\ttext\n549\t22968\t謝謝主席。主席,有請黃天牧黃主委、莊志榮莊部長以及我們陳正琦、陳正次。好,黃主委、莊部長、陳正次。好,午安好。主委辛苦了。午安好。早,午安。首先我要先請黃主委。\n24994\t46240\t主委您真的是辛苦了過去其實在上一屆的財政委員會當中其實我們共同一起解決了許多的問題我想其實面對這個金融監理不是一件容易的事情尤其是身為一個監理機關坦白講監理這件事情是顧人願的我自己過去在媒體的時候坦白說我們在媒體的時候是最\n47000\t73875\t怕也最討厭NCC說實話就是這樣那麼所以說面對許多的風雨我想您心裡非常清楚但是其實您承擔下來了包括其實就在上一屆的會期的最後我們在講打詐的時候詐騙這件事情它其實根本沒有主管機關來統一來處理那麼當時我們就想到了如果說是這種不法不實的金融方面的這樣的一個廣告我們可以用\n74315\t101398\t同樣來規範那麼就當時就修了這個相關的法規讓金管會至少能夠及時的下架網路上的詐騙的事件那麼其實對於當時包括您在內金管會的同仁大家能夠跨部會的合作這件事情其實是我非常有感的那您是真的非常勇於認識那麼因為我的時間有限我其實要切進我的主題就不讓您回答\n102619\t118686\t對那就是剛剛其實前面非常多財政委員會的委員們都詢問了就是有關於這一次同樣也慢慢的在累積起民怨的就是融資公司的事件其實融資公司的事件大家都知道主管機關不是金管會\n120066\t135101\t但是因為他跟現在在場的包括公營銀行庫以及其他的民間銀行一樣他都跟這個金融所謂借貸當中是相關聯的所以很多事情就直接會問金管會那你要不要處理你要不要管那麼\n136656\t156906\t主委我只問一個簡單的問題喔就是銀行的借貸他因為在金管會的高度監理之下他其實必須要遵守非常多的法尊、封控等等銀行各種的借貸不論是車貸、房貸他的利率最低跟最高的範圍大概是多少如果就您所了解\n158386\t172765\t這要看他的這個貸款人的信用風險當然不可能到16了當然就是現在利率也很低啊也許1%怎麼樣這個我想我沒有實務上我不敢亂講在座都是金融界先進他講錯了不太好\n173186\t189628\t好,但至少他不會高達到16%甚至是10左右大概就是已經多數這個他們能夠承擔的風險因為這要符合法規那您知道在融資公司當中雖然有民法規定的16%但是是不是真的都有用其他的方式\n190785\t206915\t用乾坤大農藝的方法把這樣的利率墊高是不是有有有其他的名目比方說違約金那違約金部分我們這次就有處理好沒錯所以金管會其實注意到問題了那照理說這些融資公司應該主管機關就是財政經濟部了嘛對不對\n209056\t211137\t剛剛我聽到前面的委員在詢答的時候是有特別提到行政院現在有注意到這個事情了\n228647\t249802\t所以有一個所謂的跨部會之間的一個聯絡或平台了嗎?包括我知道過去大家剛剛前面也提到了聯徵中心的問題但是聯徵中心不是會員你不能查大家現在其實想講的就是他擔心的是一個潛藏在我們看不到的水面底下的金融危機它存在著\n250302\t269492\t所以有沒有可能建立所謂的第二平台那這個第二平台它是公開的嗎那這個第二平台經濟部會來介入嗎因為它現在它就不是金管會高度監理的這些銀行因為銀行是有連徵中心那這個平台會建立嗎如果建立的話是經濟部來做協助嗎那這個資訊可以怎麼樣來統合出來因為我想強調的是\n276088\t292325\t這些融資東西他還是找我們的民營的所謂不論是公股行庫或是民營行庫來做借貸那麼這些到底借貸當中因為我們都知道如果他今天信用擔保可行他擔保品足夠他就去找銀行了\n292585\t292765\t來正次\n321238\t347455\t是 報告委員 委員所問的正好就是我們覺得最重要的問題啦目前來講的話借貸基本上是個民法上的借貸行為而且融資公司目前並沒有這個登記的業別他們不能登記為融資公司所以我們現在用公司名稱方式去把他撈出來可能涉及的公司他怎麼來處理這個民間的借貸行為我們還需要跨部會來討論在目前這個部分經濟部負責是有關消費者的保護這個部分\n348716\t366870\t金管委是負責金融體系的安全的部分那我們大家一起來想想看怎麼樣來找到政策工具來管理好我知道因為在520之前呢恐怕就像這個大家都都覺得說好像要等但是民眾的這個東西是等不了最後請部長在這裡是因為大家也都提到了那公股、行庫喔\n367591\t388723\t不要最後背上了不必要的罵名包括這些融資公司如果他們真的有一些不法的行為或不法情勢希望能夠跟經濟部跟金管會多一點橫向的聯繫那這些就要把它列為重點項目的觀察的拒絕往來戶好嗎提醒的是不要讓供股行戶變成是好像第一線要出來承擔\n390605\t390906\t何茂凱委員\n","txt":"謝謝主席。主席,有請黃天牧黃主委、莊志榮莊部長以及我們陳正琦、陳正次。好,黃主委、莊部長、陳正次。好,午安好。主委辛苦了。午安好。早,午安。首先我要先請黃主委。\n主委您真的是辛苦了過去其實在上一屆的財政委員會當中其實我們共同一起解決了許多的問題我想其實面對這個金融監理不是一件容易的事情尤其是身為一個監理機關坦白講監理這件事情是顧人願的我自己過去在媒體的時候坦白說我們在媒體的時候是最\n怕也最討厭NCC說實話就是這樣那麼所以說面對許多的風雨我想您心裡非常清楚但是其實您承擔下來了包括其實就在上一屆的會期的最後我們在講打詐的時候詐騙這件事情它其實根本沒有主管機關來統一來處理那麼當時我們就想到了如果說是這種不法不實的金融方面的這樣的一個廣告我們可以用\n同樣來規範那麼就當時就修了這個相關的法規讓金管會至少能夠及時的下架網路上的詐騙的事件那麼其實對於當時包括您在內金管會的同仁大家能夠跨部會的合作這件事情其實是我非常有感的那您是真的非常勇於認識那麼因為我的時間有限我其實要切進我的主題就不讓您回答\n對那就是剛剛其實前面非常多財政委員會的委員們都詢問了就是有關於這一次同樣也慢慢的在累積起民怨的就是融資公司的事件其實融資公司的事件大家都知道主管機關不是金管會\n但是因為他跟現在在場的包括公營銀行庫以及其他的民間銀行一樣他都跟這個金融所謂借貸當中是相關聯的所以很多事情就直接會問金管會那你要不要處理你要不要管那麼\n主委我只問一個簡單的問題喔就是銀行的借貸他因為在金管會的高度監理之下他其實必須要遵守非常多的法尊、封控等等銀行各種的借貸不論是車貸、房貸他的利率最低跟最高的範圍大概是多少如果就您所了解\n這要看他的這個貸款人的信用風險當然不可能到16了當然就是現在利率也很低啊也許1%怎麼樣這個我想我沒有實務上我不敢亂講在座都是金融界先進他講錯了不太好\n好,但至少他不會高達到16%甚至是10左右大概就是已經多數這個他們能夠承擔的風險因為這要符合法規那您知道在融資公司當中雖然有民法規定的16%但是是不是真的都有用其他的方式\n用乾坤大農藝的方法把這樣的利率墊高是不是有有有其他的名目比方說違約金那違約金部分我們這次就有處理好沒錯所以金管會其實注意到問題了那照理說這些融資公司應該主管機關就是財政經濟部了嘛對不對\n剛剛我聽到前面的委員在詢答的時候是有特別提到行政院現在有注意到這個事情了\n所以有一個所謂的跨部會之間的一個聯絡或平台了嗎?包括我知道過去大家剛剛前面也提到了聯徵中心的問題但是聯徵中心不是會員你不能查大家現在其實想講的就是他擔心的是一個潛藏在我們看不到的水面底下的金融危機它存在著\n所以有沒有可能建立所謂的第二平台那這個第二平台它是公開的嗎那這個第二平台經濟部會來介入嗎因為它現在它就不是金管會高度監理的這些銀行因為銀行是有連徵中心那這個平台會建立嗎如果建立的話是經濟部來做協助嗎那這個資訊可以怎麼樣來統合出來因為我想強調的是\n這些融資東西他還是找我們的民營的所謂不論是公股行庫或是民營行庫來做借貸那麼這些到底借貸當中因為我們都知道如果他今天信用擔保可行他擔保品足夠他就去找銀行了\n來正次\n是 報告委員 委員所問的正好就是我們覺得最重要的問題啦目前來講的話借貸基本上是個民法上的借貸行為而且融資公司目前並沒有這個登記的業別他們不能登記為融資公司所以我們現在用公司名稱方式去把他撈出來可能涉及的公司他怎麼來處理這個民間的借貸行為我們還需要跨部會來討論在目前這個部分經濟部負責是有關消費者的保護這個部分\n金管委是負責金融體系的安全的部分那我們大家一起來想想看怎麼樣來找到政策工具來管理好我知道因為在520之前呢恐怕就像這個大家都都覺得說好像要等但是民眾的這個東西是等不了最後請部長在這裡是因為大家也都提到了那公股、行庫喔\n不要最後背上了不必要的罵名包括這些融資公司如果他們真的有一些不法的行為或不法情勢希望能夠跟經濟部跟金管會多一點橫向的聯繫那這些就要把它列為重點項目的觀察的拒絕往來戶好嗎提醒的是不要讓供股行戶變成是好像第一線要出來承擔\n何茂凱委員\n","vtt":"WEBVTT\n\n00:00.549 --> 00:22.968\n謝謝主席。主席,有請黃天牧黃主委、莊志榮莊部長以及我們陳正琦、陳正次。好,黃主委、莊部長、陳正次。好,午安好。主委辛苦了。午安好。早,午安。首先我要先請黃主委。\n\n00:24.994 --> 00:46.240\n主委您真的是辛苦了過去其實在上一屆的財政委員會當中其實我們共同一起解決了許多的問題我想其實面對這個金融監理不是一件容易的事情尤其是身為一個監理機關坦白講監理這件事情是顧人願的我自己過去在媒體的時候坦白說我們在媒體的時候是最\n\n00:47.000 --> 01:13.875\n怕也最討厭NCC說實話就是這樣那麼所以說面對許多的風雨我想您心裡非常清楚但是其實您承擔下來了包括其實就在上一屆的會期的最後我們在講打詐的時候詐騙這件事情它其實根本沒有主管機關來統一來處理那麼當時我們就想到了如果說是這種不法不實的金融方面的這樣的一個廣告我們可以用\n\n01:14.315 --> 01:41.398\n同樣來規範那麼就當時就修了這個相關的法規讓金管會至少能夠及時的下架網路上的詐騙的事件那麼其實對於當時包括您在內金管會的同仁大家能夠跨部會的合作這件事情其實是我非常有感的那您是真的非常勇於認識那麼因為我的時間有限我其實要切進我的主題就不讓您回答\n\n01:42.619 --> 01:58.686\n對那就是剛剛其實前面非常多財政委員會的委員們都詢問了就是有關於這一次同樣也慢慢的在累積起民怨的就是融資公司的事件其實融資公司的事件大家都知道主管機關不是金管會\n\n02:00.066 --> 02:15.101\n但是因為他跟現在在場的包括公營銀行庫以及其他的民間銀行一樣他都跟這個金融所謂借貸當中是相關聯的所以很多事情就直接會問金管會那你要不要處理你要不要管那麼\n\n02:16.656 --> 02:36.906\n主委我只問一個簡單的問題喔就是銀行的借貸他因為在金管會的高度監理之下他其實必須要遵守非常多的法尊、封控等等銀行各種的借貸不論是車貸、房貸他的利率最低跟最高的範圍大概是多少如果就您所了解\n\n02:38.386 --> 02:52.765\n這要看他的這個貸款人的信用風險當然不可能到16了當然就是現在利率也很低啊也許1%怎麼樣這個我想我沒有實務上我不敢亂講在座都是金融界先進他講錯了不太好\n\n02:53.186 --> 03:09.628\n好,但至少他不會高達到16%甚至是10左右大概就是已經多數這個他們能夠承擔的風險因為這要符合法規那您知道在融資公司當中雖然有民法規定的16%但是是不是真的都有用其他的方式\n\n03:10.785 --> 03:26.915\n用乾坤大農藝的方法把這樣的利率墊高是不是有有有其他的名目比方說違約金那違約金部分我們這次就有處理好沒錯所以金管會其實注意到問題了那照理說這些融資公司應該主管機關就是財政經濟部了嘛對不對\n\n03:29.056 --> 03:31.137\n剛剛我聽到前面的委員在詢答的時候是有特別提到行政院現在有注意到這個事情了\n\n03:48.647 --> 04:09.802\n所以有一個所謂的跨部會之間的一個聯絡或平台了嗎?包括我知道過去大家剛剛前面也提到了聯徵中心的問題但是聯徵中心不是會員你不能查大家現在其實想講的就是他擔心的是一個潛藏在我們看不到的水面底下的金融危機它存在著\n\n04:10.302 --> 04:29.492\n所以有沒有可能建立所謂的第二平台那這個第二平台它是公開的嗎那這個第二平台經濟部會來介入嗎因為它現在它就不是金管會高度監理的這些銀行因為銀行是有連徵中心那這個平台會建立嗎如果建立的話是經濟部來做協助嗎那這個資訊可以怎麼樣來統合出來因為我想強調的是\n\n04:36.088 --> 04:52.325\n這些融資東西他還是找我們的民營的所謂不論是公股行庫或是民營行庫來做借貸那麼這些到底借貸當中因為我們都知道如果他今天信用擔保可行他擔保品足夠他就去找銀行了\n\n04:52.585 --> 04:52.765\n來正次\n\n05:21.238 --> 05:47.455\n是報告委員委員所問的正好就是我們覺得最重要的問題啦目前來講的話借貸基本上是個民法上的借貸行為而且融資公司目前並沒有這個登記的業別他們不能登記為融資公司所以我們現在用公司名稱方式去把他撈出來可能涉及的公司他怎麼來處理這個民間的借貸行為我們還需要跨部會來討論在目前這個部分經濟部負責是有關消費者的保護這個部分\n\n05:48.716 --> 06:06.870\n金管委是負責金融體系的安全的部分那我們大家一起來想想看怎麼樣來找到政策工具來管理好我知道因為在520之前呢恐怕就像這個大家都都覺得說好像要等但是民眾的這個東西是等不了最後請部長在這裡是因為大家也都提到了那公股、行庫喔\n\n06:07.591 --> 06:28.723\n不要最後背上了不必要的罵名包括這些融資公司如果他們真的有一些不法的行為或不法情勢希望能夠跟經濟部跟金管會多一點橫向的聯繫那這些就要把它列為重點項目的觀察的拒絕往來戶好嗎提醒的是不要讓供股行戶變成是好像第一線要出來承擔\n\n06:30.605 --> 06:30.906\n何茂凱委員\n\n","segments":[{"start":0.549,"end":22.968,"text":"謝謝主席。主席,有請黃天牧黃主委、莊志榮莊部長以及我們陳正琦、陳正次。好,黃主委、莊部長、陳正次。好,午安好。主委辛苦了。午安好。早,午安。首先我要先請黃主委。"},{"start":24.994,"end":46.24,"text":"主委您真的是辛苦了過去其實在上一屆的財政委員會當中其實我們共同一起解決了許多的問題我想其實面對這個金融監理不是一件容易的事情尤其是身為一個監理機關坦白講監理這件事情是顧人願的我自己過去在媒體的時候坦白說我們在媒體的時候是最"},{"start":47,"end":73.875,"text":"怕也最討厭NCC說實話就是這樣那麼所以說面對許多的風雨我想您心裡非常清楚但是其實您承擔下來了包括其實就在上一屆的會期的最後我們在講打詐的時候詐騙這件事情它其實根本沒有主管機關來統一來處理那麼當時我們就想到了如果說是這種不法不實的金融方面的這樣的一個廣告我們可以用"},{"start":74.315,"end":101.398,"text":"同樣來規範那麼就當時就修了這個相關的法規讓金管會至少能夠及時的下架網路上的詐騙的事件那麼其實對於當時包括您在內金管會的同仁大家能夠跨部會的合作這件事情其實是我非常有感的那您是真的非常勇於認識那麼因為我的時間有限我其實要切進我的主題就不讓您回答"},{"start":102.619,"end":118.686,"text":"對那就是剛剛其實前面非常多財政委員會的委員們都詢問了就是有關於這一次同樣也慢慢的在累積起民怨的就是融資公司的事件其實融資公司的事件大家都知道主管機關不是金管會"},{"start":120.066,"end":135.101,"text":"但是因為他跟現在在場的包括公營銀行庫以及其他的民間銀行一樣他都跟這個金融所謂借貸當中是相關聯的所以很多事情就直接會問金管會那你要不要處理你要不要管那麼"},{"start":136.656,"end":156.906,"text":"主委我只問一個簡單的問題喔就是銀行的借貸他因為在金管會的高度監理之下他其實必須要遵守非常多的法尊、封控等等銀行各種的借貸不論是車貸、房貸他的利率最低跟最高的範圍大概是多少如果就您所了解"},{"start":158.386,"end":172.765,"text":"這要看他的這個貸款人的信用風險當然不可能到16了當然就是現在利率也很低啊也許1%怎麼樣這個我想我沒有實務上我不敢亂講在座都是金融界先進他講錯了不太好"},{"start":173.186,"end":189.628,"text":"好,但至少他不會高達到16%甚至是10左右大概就是已經多數這個他們能夠承擔的風險因為這要符合法規那您知道在融資公司當中雖然有民法規定的16%但是是不是真的都有用其他的方式"},{"start":190.785,"end":206.915,"text":"用乾坤大農藝的方法把這樣的利率墊高是不是有有有其他的名目比方說違約金那違約金部分我們這次就有處理好沒錯所以金管會其實注意到問題了那照理說這些融資公司應該主管機關就是財政經濟部了嘛對不對"},{"start":209.056,"end":211.137,"text":"剛剛我聽到前面的委員在詢答的時候是有特別提到行政院現在有注意到這個事情了"},{"start":228.647,"end":249.802,"text":"所以有一個所謂的跨部會之間的一個聯絡或平台了嗎?包括我知道過去大家剛剛前面也提到了聯徵中心的問題但是聯徵中心不是會員你不能查大家現在其實想講的就是他擔心的是一個潛藏在我們看不到的水面底下的金融危機它存在著"},{"start":250.302,"end":269.492,"text":"所以有沒有可能建立所謂的第二平台那這個第二平台它是公開的嗎那這個第二平台經濟部會來介入嗎因為它現在它就不是金管會高度監理的這些銀行因為銀行是有連徵中心那這個平台會建立嗎如果建立的話是經濟部來做協助嗎那這個資訊可以怎麼樣來統合出來因為我想強調的是"},{"start":276.088,"end":292.325,"text":"這些融資東西他還是找我們的民營的所謂不論是公股行庫或是民營行庫來做借貸那麼這些到底借貸當中因為我們都知道如果他今天信用擔保可行他擔保品足夠他就去找銀行了"},{"start":292.585,"end":292.765,"text":"來正次"},{"start":321.238,"end":347.455,"text":"是 報告委員 委員所問的正好就是我們覺得最重要的問題啦目前來講的話借貸基本上是個民法上的借貸行為而且融資公司目前並沒有這個登記的業別他們不能登記為融資公司所以我們現在用公司名稱方式去把他撈出來可能涉及的公司他怎麼來處理這個民間的借貸行為我們還需要跨部會來討論在目前這個部分經濟部負責是有關消費者的保護這個部分"},{"start":348.716,"end":366.87,"text":"金管委是負責金融體系的安全的部分那我們大家一起來想想看怎麼樣來找到政策工具來管理好我知道因為在520之前呢恐怕就像這個大家都都覺得說好像要等但是民眾的這個東西是等不了最後請部長在這裡是因為大家也都提到了那公股、行庫喔"},{"start":367.591,"end":388.723,"text":"不要最後背上了不必要的罵名包括這些融資公司如果他們真的有一些不法的行為或不法情勢希望能夠跟經濟部跟金管會多一點橫向的聯繫那這些就要把它列為重點項目的觀察的拒絕往來戶好嗎提醒的是不要讓供股行戶變成是好像第一線要出來承擔"},{"start":390.605,"end":390.906,"text":"何茂凱委員"}]}}}}