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{\"word\": \"風\"}, {\"word\": \"順\"}, {\"word\": \"韓\"}, {\"word\": \"國\"}, {\"word\": \"昌\", \"start\": 404.383, \"end\": 404.463, \"score\": 0.75}, {\"word\": \"委\", \"start\": 404.463, \"end\": 404.483, \"score\": 0.0}, {\"word\": \"員\"}], \"language\": \"zh\"}","srt":"1\n00:00:04,319 --> 00:00:23,832\n主席,謝謝。麻煩請金管會主委跟經濟部次長。有請黃主委,有請陳次長。主委、次長,我們到底有沒有了解說現在我們國內這所謂的免卡分期、無卡分期的這個狀況到底有多氾濫?\n\n2\n00:00:27,438 --> 00:00:48,489\n我們報告中有提一些啦所以我們是抓大先禮重要性的這三家主任公司下面的BMP要業務去做了解但隨便一個Google剛剛本席隨便一個查詢隨便一個Google直接跳出來全都是廣告\n\n3\n00:00:49,765 --> 00:01:15,748\n5卡分期還有說這個最新手機現貨搶購中先搶先贏筆電相機家電包包通通不用等就是告訴你說你只要你想要來借都可以借的到免卡分期付款繳款容易快速審核個資不外流不想讓家人知道還可以保密甚至現貨提供\n\n4\n00:01:16,932 --> 00:01:34,022\n學生、上班族、軍人滿18歲都可以申辦先享受後付款那看起來這是一個非常嚴重的一個狀況那本席剛剛特別看了一下我們監管會跟我們經濟部的這個相關的一個\n\n5\n00:01:35,384 --> 00:01:37,045\n提供法律諮詢．促成個案和解\n\n6\n00:02:02,657 --> 00:02:14,692\n我們有一個更直接有效的管理方式嗎還是說這個就是看說這個消費者看消費者之後他要去怎麼樣去找不管是找民貸不管是找這個經濟部找相關那就是遇到再說\n\n7\n00:02:16,223 --> 00:02:43,569\n外委員目前經濟部所主管的法令裡面我們的政策工具主要就是消費者保護法那麼就是在定型化契約裡面來設計還有事後的消費者保護是嘛所以說相對來講說大家都沒有就是大家也不認為說這個是自己的主管機關所以說就大家就是互相所以今天才會不管是財政部也來金管會也來經濟部也來但是大家都覺得說這個有亂象有問題可是沒有一個人主管是這樣嗎\n\n8\n00:02:47,160 --> 00:02:53,188\n民間就已經有講了嘛金管會、經濟部互踢皮球民間融資成三不管地帶所以才要呼籲要訂定融資專法\n\n9\n00:03:05,882 --> 00:03:09,185\n就算這個報告兩個禮拜前跟今天金管會的報告是不一樣的\n\n10\n00:03:26,061 --> 00:03:45,523\n文字內容大同小異但重點是結論的部分還都是這樣子啊所以說本席現在只是想講是說到底現在我們看到我們融資公司缺乏監管的衍生問題這三不管地帶那主管機關沒有專法的部分我們到底有沒有想要痛力失痛的去做協助處理\n\n11\n00:03:47,489 --> 00:03:52,172\n我這樣子問啦我這樣問啦因為大家可能也都是520的時候這個部會首長換人嘛但是有人家講人之這個\n\n12\n00:04:07,799 --> 00:04:16,632\n人要離開啊其言也善啦所以呢如果說真的要訂立這所謂的融資專法的話認為是哪一個部會擔任主管機關會最合適\n\n13\n00:04:19,813 --> 00:04:47,181\n總可以講吧?報告委員我想這個還是要由行政院來做決定是沒有錯啊但是行政院現在一定有問嘛就是想是說那到底哪一個哪一個部會當主管機關是財政部認為說業務相對比較適合是經濟部比較適合還是金管會比較適合那總是有一個部會要當主管機關啊那我現在講啊你現在講你可能過去會覺得是說唉唷拜託不要再加重我的業務了但現在總是要離開了以專業判斷來講一下嘛\n\n14\n00:04:49,522 --> 00:05:12,683\n如果說真的要融資專法的話到底應該哪一個部會要多比較多的權責那立法委員我們協作就是給予法定的修正專法的一個定例並且給你們政策工具讓你們真真正正可以來打老虎嘛而不是像現在這樣子明明就看到亂象了明明就真的很多不管是什麼以前網路影片講三道猴子啦這一些\n\n15\n00:05:13,484 --> 00:05:28,572\n他們去借貸然後造成說一個家庭的問題其實每一個這種民間的融資都不是只是單一個問題是一個家庭的問題甚至是可能如果說有夫妻的話是兩個家庭的問題兩個家族的問題那本席現在只想問\n\n16\n00:05:29,974 --> 00:05:29,994\n請說明。\n\n17\n00:05:51,195 --> 00:06:17,690\n我覺得還是要由行政院坐在這邊做一個最後的談判會簽到跨部會而且您講的這堆東西從網路上的BMP到實體的部會所以之後行政院什麼時候他越來越無情所以大家就是互相推嘛所以今天就是看到三個部會首長互相推然後反正看行政院看是哪一個政委出來哪一個院長出來如果說院長哪一個政委他又覺得說現在新聞過了風頭過了民調比較低了不要碰\n\n18\n00:06:19,755 --> 00:06:42,769\n我這個又遙遙無期啊所以大家講的guards政府官員的guards還是說我們看到問題想要解決問題的能力或想要解決問題的決心看不出來是這樣嗎如果說還要鬼打牆的回答就不用回答了祝福主委一帆風順\n\n19\n00:06:44,383 --> 00:06:44,483\n韓國昌委員\n\n","tsv":"start\tend\ttext\n4319\t23832\t主席,謝謝。麻煩請金管會主委跟經濟部次長。有請黃主委,有請陳次長。主委、次長,我們到底有沒有了解說現在我們國內這所謂的免卡分期、無卡分期的這個狀況到底有多氾濫?\n27438\t48489\t我們報告中有提一些啦所以我們是抓大先禮重要性的這三家主任公司下面的BMP要業務去做了解但隨便一個Google剛剛本席隨便一個查詢隨便一個Google直接跳出來全都是廣告\n49765\t75748\t5卡分期還有說這個最新手機現貨搶購中先搶先贏筆電相機家電包包通通不用等就是告訴你說你只要你想要來借都可以借的到免卡分期付款繳款容易快速審核個資不外流不想讓家人知道還可以保密甚至現貨提供\n76932\t94022\t學生、上班族、軍人滿18歲都可以申辦先享受後付款那看起來這是一個非常嚴重的一個狀況那本席剛剛特別看了一下我們監管會跟我們經濟部的這個相關的一個\n95384\t97045\t提供法律諮詢．促成個案和解\n122657\t134692\t我們有一個更直接有效的管理方式嗎還是說這個就是看說這個消費者看消費者之後他要去怎麼樣去找不管是找民貸不管是找這個經濟部找相關那就是遇到再說\n136223\t163569\t外委員目前經濟部所主管的法令裡面我們的政策工具主要就是消費者保護法那麼就是在定型化契約裡面來設計還有事後的消費者保護是嘛所以說相對來講說大家都沒有就是大家也不認為說這個是自己的主管機關所以說就大家就是互相所以今天才會不管是財政部也來金管會也來經濟部也來但是大家都覺得說這個有亂象有問題可是沒有一個人主管是這樣嗎\n167160\t173188\t民間就已經有講了嘛金管會、經濟部互踢皮球民間融資成三不管地帶所以才要呼籲要訂定融資專法\n185882\t189185\t就算這個報告兩個禮拜前跟今天金管會的報告是不一樣的\n206061\t225523\t文字內容大同小異但重點是結論的部分還都是這樣子啊所以說本席現在只是想講是說到底現在我們看到我們融資公司缺乏監管的衍生問題這三不管地帶那主管機關沒有專法的部分我們到底有沒有想要痛力失痛的去做協助處理\n227489\t232172\t我這樣子問啦我這樣問啦因為大家可能也都是520的時候這個部會首長換人嘛但是有人家講人之這個\n247799\t256632\t人要離開啊其言也善啦所以呢如果說真的要訂立這所謂的融資專法的話認為是哪一個部會擔任主管機關會最合適\n259813\t287181\t總可以講吧?報告委員我想這個還是要由行政院來做決定是沒有錯啊但是行政院現在一定有問嘛就是想是說那到底哪一個哪一個部會當主管機關是財政部認為說業務相對比較適合是經濟部比較適合還是金管會比較適合那總是有一個部會要當主管機關啊那我現在講啊你現在講你可能過去會覺得是說唉唷拜託不要再加重我的業務了但現在總是要離開了以專業判斷來講一下嘛\n289522\t312683\t如果說真的要融資專法的話到底應該哪一個部會要多比較多的權責那立法委員我們協作就是給予法定的修正專法的一個定例並且給你們政策工具讓你們真真正正可以來打老虎嘛而不是像現在這樣子明明就看到亂象了明明就真的很多不管是什麼以前網路影片講三道猴子啦這一些\n313484\t328572\t他們去借貸然後造成說一個家庭的問題其實每一個這種民間的融資都不是只是單一個問題是一個家庭的問題甚至是可能如果說有夫妻的話是兩個家庭的問題兩個家族的問題那本席現在只想問\n329974\t329994\t請說明。\n351195\t377690\t我覺得還是要由行政院坐在這邊做一個最後的談判會簽到跨部會而且您講的這堆東西從網路上的BMP到實體的部會所以之後行政院什麼時候他越來越無情所以大家就是互相推嘛所以今天就是看到三個部會首長互相推然後反正看行政院看是哪一個政委出來哪一個院長出來如果說院長哪一個政委他又覺得說現在新聞過了風頭過了民調比較低了不要碰\n379755\t402769\t我這個又遙遙無期啊所以大家講的guards政府官員的guards還是說我們看到問題想要解決問題的能力或想要解決問題的決心看不出來是這樣嗎如果說還要鬼打牆的回答就不用回答了祝福主委一帆風順\n404383\t404483\t韓國昌委員\n","txt":"主席,謝謝。麻煩請金管會主委跟經濟部次長。有請黃主委,有請陳次長。主委、次長,我們到底有沒有了解說現在我們國內這所謂的免卡分期、無卡分期的這個狀況到底有多氾濫?\n我們報告中有提一些啦所以我們是抓大先禮重要性的這三家主任公司下面的BMP要業務去做了解但隨便一個Google剛剛本席隨便一個查詢隨便一個Google直接跳出來全都是廣告\n5卡分期還有說這個最新手機現貨搶購中先搶先贏筆電相機家電包包通通不用等就是告訴你說你只要你想要來借都可以借的到免卡分期付款繳款容易快速審核個資不外流不想讓家人知道還可以保密甚至現貨提供\n學生、上班族、軍人滿18歲都可以申辦先享受後付款那看起來這是一個非常嚴重的一個狀況那本席剛剛特別看了一下我們監管會跟我們經濟部的這個相關的一個\n提供法律諮詢．促成個案和解\n我們有一個更直接有效的管理方式嗎還是說這個就是看說這個消費者看消費者之後他要去怎麼樣去找不管是找民貸不管是找這個經濟部找相關那就是遇到再說\n外委員目前經濟部所主管的法令裡面我們的政策工具主要就是消費者保護法那麼就是在定型化契約裡面來設計還有事後的消費者保護是嘛所以說相對來講說大家都沒有就是大家也不認為說這個是自己的主管機關所以說就大家就是互相所以今天才會不管是財政部也來金管會也來經濟部也來但是大家都覺得說這個有亂象有問題可是沒有一個人主管是這樣嗎\n民間就已經有講了嘛金管會、經濟部互踢皮球民間融資成三不管地帶所以才要呼籲要訂定融資專法\n就算這個報告兩個禮拜前跟今天金管會的報告是不一樣的\n文字內容大同小異但重點是結論的部分還都是這樣子啊所以說本席現在只是想講是說到底現在我們看到我們融資公司缺乏監管的衍生問題這三不管地帶那主管機關沒有專法的部分我們到底有沒有想要痛力失痛的去做協助處理\n我這樣子問啦我這樣問啦因為大家可能也都是520的時候這個部會首長換人嘛但是有人家講人之這個\n人要離開啊其言也善啦所以呢如果說真的要訂立這所謂的融資專法的話認為是哪一個部會擔任主管機關會最合適\n總可以講吧?報告委員我想這個還是要由行政院來做決定是沒有錯啊但是行政院現在一定有問嘛就是想是說那到底哪一個哪一個部會當主管機關是財政部認為說業務相對比較適合是經濟部比較適合還是金管會比較適合那總是有一個部會要當主管機關啊那我現在講啊你現在講你可能過去會覺得是說唉唷拜託不要再加重我的業務了但現在總是要離開了以專業判斷來講一下嘛\n如果說真的要融資專法的話到底應該哪一個部會要多比較多的權責那立法委員我們協作就是給予法定的修正專法的一個定例並且給你們政策工具讓你們真真正正可以來打老虎嘛而不是像現在這樣子明明就看到亂象了明明就真的很多不管是什麼以前網路影片講三道猴子啦這一些\n他們去借貸然後造成說一個家庭的問題其實每一個這種民間的融資都不是只是單一個問題是一個家庭的問題甚至是可能如果說有夫妻的話是兩個家庭的問題兩個家族的問題那本席現在只想問\n請說明。\n我覺得還是要由行政院坐在這邊做一個最後的談判會簽到跨部會而且您講的這堆東西從網路上的BMP到實體的部會所以之後行政院什麼時候他越來越無情所以大家就是互相推嘛所以今天就是看到三個部會首長互相推然後反正看行政院看是哪一個政委出來哪一個院長出來如果說院長哪一個政委他又覺得說現在新聞過了風頭過了民調比較低了不要碰\n我這個又遙遙無期啊所以大家講的guards政府官員的guards還是說我們看到問題想要解決問題的能力或想要解決問題的決心看不出來是這樣嗎如果說還要鬼打牆的回答就不用回答了祝福主委一帆風順\n韓國昌委員\n","vtt":"WEBVTT\n\n00:04.319 --> 00:23.832\n主席,謝謝。麻煩請金管會主委跟經濟部次長。有請黃主委,有請陳次長。主委、次長,我們到底有沒有了解說現在我們國內這所謂的免卡分期、無卡分期的這個狀況到底有多氾濫?\n\n00:27.438 --> 00:48.489\n我們報告中有提一些啦所以我們是抓大先禮重要性的這三家主任公司下面的BMP要業務去做了解但隨便一個Google剛剛本席隨便一個查詢隨便一個Google直接跳出來全都是廣告\n\n00:49.765 --> 01:15.748\n5卡分期還有說這個最新手機現貨搶購中先搶先贏筆電相機家電包包通通不用等就是告訴你說你只要你想要來借都可以借的到免卡分期付款繳款容易快速審核個資不外流不想讓家人知道還可以保密甚至現貨提供\n\n01:16.932 --> 01:34.022\n學生、上班族、軍人滿18歲都可以申辦先享受後付款那看起來這是一個非常嚴重的一個狀況那本席剛剛特別看了一下我們監管會跟我們經濟部的這個相關的一個\n\n01:35.384 --> 01:37.045\n提供法律諮詢．促成個案和解\n\n02:02.657 --> 02:14.692\n我們有一個更直接有效的管理方式嗎還是說這個就是看說這個消費者看消費者之後他要去怎麼樣去找不管是找民貸不管是找這個經濟部找相關那就是遇到再說\n\n02:16.223 --> 02:43.569\n外委員目前經濟部所主管的法令裡面我們的政策工具主要就是消費者保護法那麼就是在定型化契約裡面來設計還有事後的消費者保護是嘛所以說相對來講說大家都沒有就是大家也不認為說這個是自己的主管機關所以說就大家就是互相所以今天才會不管是財政部也來金管會也來經濟部也來但是大家都覺得說這個有亂象有問題可是沒有一個人主管是這樣嗎\n\n02:47.160 --> 02:53.188\n民間就已經有講了嘛金管會、經濟部互踢皮球民間融資成三不管地帶所以才要呼籲要訂定融資專法\n\n03:05.882 --> 03:09.185\n就算這個報告兩個禮拜前跟今天金管會的報告是不一樣的\n\n03:26.061 --> 03:45.523\n文字內容大同小異但重點是結論的部分還都是這樣子啊所以說本席現在只是想講是說到底現在我們看到我們融資公司缺乏監管的衍生問題這三不管地帶那主管機關沒有專法的部分我們到底有沒有想要痛力失痛的去做協助處理\n\n03:47.489 --> 03:52.172\n我這樣子問啦我這樣問啦因為大家可能也都是520的時候這個部會首長換人嘛但是有人家講人之這個\n\n04:07.799 --> 04:16.632\n人要離開啊其言也善啦所以呢如果說真的要訂立這所謂的融資專法的話認為是哪一個部會擔任主管機關會最合適\n\n04:19.813 --> 04:47.181\n總可以講吧?報告委員我想這個還是要由行政院來做決定是沒有錯啊但是行政院現在一定有問嘛就是想是說那到底哪一個哪一個部會當主管機關是財政部認為說業務相對比較適合是經濟部比較適合還是金管會比較適合那總是有一個部會要當主管機關啊那我現在講啊你現在講你可能過去會覺得是說唉唷拜託不要再加重我的業務了但現在總是要離開了以專業判斷來講一下嘛\n\n04:49.522 --> 05:12.683\n如果說真的要融資專法的話到底應該哪一個部會要多比較多的權責那立法委員我們協作就是給予法定的修正專法的一個定例並且給你們政策工具讓你們真真正正可以來打老虎嘛而不是像現在這樣子明明就看到亂象了明明就真的很多不管是什麼以前網路影片講三道猴子啦這一些\n\n05:13.484 --> 05:28.572\n他們去借貸然後造成說一個家庭的問題其實每一個這種民間的融資都不是只是單一個問題是一個家庭的問題甚至是可能如果說有夫妻的話是兩個家庭的問題兩個家族的問題那本席現在只想問\n\n05:29.974 --> 05:29.994\n請說明。\n\n05:51.195 --> 06:17.690\n我覺得還是要由行政院坐在這邊做一個最後的談判會簽到跨部會而且您講的這堆東西從網路上的BMP到實體的部會所以之後行政院什麼時候他越來越無情所以大家就是互相推嘛所以今天就是看到三個部會首長互相推然後反正看行政院看是哪一個政委出來哪一個院長出來如果說院長哪一個政委他又覺得說現在新聞過了風頭過了民調比較低了不要碰\n\n06:19.755 --> 06:42.769\n我這個又遙遙無期啊所以大家講的guards政府官員的guards還是說我們看到問題想要解決問題的能力或想要解決問題的決心看不出來是這樣嗎如果說還要鬼打牆的回答就不用回答了祝福主委一帆風順\n\n06:44.383 --> 06:44.483\n韓國昌委員\n\n","segments":[{"start":4.319,"end":23.832,"text":"主席,謝謝。麻煩請金管會主委跟經濟部次長。有請黃主委,有請陳次長。主委、次長,我們到底有沒有了解說現在我們國內這所謂的免卡分期、無卡分期的這個狀況到底有多氾濫?"},{"start":27.438,"end":48.489,"text":"我們報告中有提一些啦所以我們是抓大先禮重要性的這三家主任公司下面的BMP要業務去做了解但隨便一個Google剛剛本席隨便一個查詢隨便一個Google直接跳出來全都是廣告"},{"start":49.765,"end":75.748,"text":"5卡分期還有說這個最新手機現貨搶購中先搶先贏筆電相機家電包包通通不用等就是告訴你說你只要你想要來借都可以借的到免卡分期付款繳款容易快速審核個資不外流不想讓家人知道還可以保密甚至現貨提供"},{"start":76.932,"end":94.022,"text":"學生、上班族、軍人滿18歲都可以申辦先享受後付款那看起來這是一個非常嚴重的一個狀況那本席剛剛特別看了一下我們監管會跟我們經濟部的這個相關的一個"},{"start":95.384,"end":97.045,"text":"提供法律諮詢．促成個案和解"},{"start":122.657,"end":134.692,"text":"我們有一個更直接有效的管理方式嗎還是說這個就是看說這個消費者看消費者之後他要去怎麼樣去找不管是找民貸不管是找這個經濟部找相關那就是遇到再說"},{"start":136.223,"end":163.569,"text":"外委員目前經濟部所主管的法令裡面我們的政策工具主要就是消費者保護法那麼就是在定型化契約裡面來設計還有事後的消費者保護是嘛所以說相對來講說大家都沒有就是大家也不認為說這個是自己的主管機關所以說就大家就是互相所以今天才會不管是財政部也來金管會也來經濟部也來但是大家都覺得說這個有亂象有問題可是沒有一個人主管是這樣嗎"},{"start":167.16,"end":173.188,"text":"民間就已經有講了嘛金管會、經濟部互踢皮球民間融資成三不管地帶所以才要呼籲要訂定融資專法"},{"start":185.882,"end":189.185,"text":"就算這個報告兩個禮拜前跟今天金管會的報告是不一樣的"},{"start":206.061,"end":225.523,"text":"文字內容大同小異但重點是結論的部分還都是這樣子啊所以說本席現在只是想講是說到底現在我們看到我們融資公司缺乏監管的衍生問題這三不管地帶那主管機關沒有專法的部分我們到底有沒有想要痛力失痛的去做協助處理"},{"start":227.489,"end":232.172,"text":"我這樣子問啦我這樣問啦因為大家可能也都是520的時候這個部會首長換人嘛但是有人家講人之這個"},{"start":247.799,"end":256.632,"text":"人要離開啊其言也善啦所以呢如果說真的要訂立這所謂的融資專法的話認為是哪一個部會擔任主管機關會最合適"},{"start":259.813,"end":287.181,"text":"總可以講吧?報告委員我想這個還是要由行政院來做決定是沒有錯啊但是行政院現在一定有問嘛就是想是說那到底哪一個哪一個部會當主管機關是財政部認為說業務相對比較適合是經濟部比較適合還是金管會比較適合那總是有一個部會要當主管機關啊那我現在講啊你現在講你可能過去會覺得是說唉唷拜託不要再加重我的業務了但現在總是要離開了以專業判斷來講一下嘛"},{"start":289.522,"end":312.683,"text":"如果說真的要融資專法的話到底應該哪一個部會要多比較多的權責那立法委員我們協作就是給予法定的修正專法的一個定例並且給你們政策工具讓你們真真正正可以來打老虎嘛而不是像現在這樣子明明就看到亂象了明明就真的很多不管是什麼以前網路影片講三道猴子啦這一些"},{"start":313.484,"end":328.572,"text":"他們去借貸然後造成說一個家庭的問題其實每一個這種民間的融資都不是只是單一個問題是一個家庭的問題甚至是可能如果說有夫妻的話是兩個家庭的問題兩個家族的問題那本席現在只想問"},{"start":329.974,"end":329.994,"text":"請說明。"},{"start":351.195,"end":377.69,"text":"我覺得還是要由行政院坐在這邊做一個最後的談判會簽到跨部會而且您講的這堆東西從網路上的BMP到實體的部會所以之後行政院什麼時候他越來越無情所以大家就是互相推嘛所以今天就是看到三個部會首長互相推然後反正看行政院看是哪一個政委出來哪一個院長出來如果說院長哪一個政委他又覺得說現在新聞過了風頭過了民調比較低了不要碰"},{"start":379.755,"end":402.769,"text":"我這個又遙遙無期啊所以大家講的guards政府官員的guards還是說我們看到問題想要解決問題的能力或想要解決問題的決心看不出來是這樣嗎如果說還要鬼打牆的回答就不用回答了祝福主委一帆風順"},{"start":404.383,"end":404.483,"text":"韓國昌委員"}]}}}}