{"id":152759,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/152759","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/ec526bb9f1bdce9d0637094bbf3928d0c1abb13d390ebf8b3b43bbf2d64d2017649adc19fb3f7a7d5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"黃捷","委員發言時間":"09:53:41 - 10:01:08","影片長度":"00:07:27","會議時間":"2024-05-22T09:00:00+08:00","會議名稱":"(變更議程)立法院第11屆第1會期內政委員會第19次全體委員會議（事由：一、審查委員吳琪銘等17人擬具「不動產估價師法部分條文修正草案」案。二、審查委員蔡易餘等17人擬具「土地法第七十三條之一條文修正草案」案。三、審查委員林岱樺等17人擬具「土地法第十四條條文修正草案」案。【第三案如經院會復議，則不予審查】\n【5月22日、23日 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436.813, \"end\": 436.994, \"score\": 0.925}, {\"word\": \"性\", \"start\": 436.994, \"end\": 437.354, \"score\": 0.883}, {\"word\": \"跟\", \"start\": 437.354, \"end\": 437.494, \"score\": 0.857}, {\"word\": \"獨\"}, {\"word\": \"立\", \"start\": 437.494, \"end\": 437.694, \"score\": 0.98}, {\"word\": \"性\", \"start\": 437.694, \"end\": 438.114, \"score\": 0.998}, {\"word\": \"被\", \"start\": 438.114, \"end\": 438.314, \"score\": 0.997}, {\"word\": \"抹\", \"start\": 438.314, \"end\": 438.594, \"score\": 0.925}, {\"word\": \"殺\"}, {\"word\": \"好\", \"start\": 438.594, \"end\": 439.514, \"score\": 0.761}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"好\", \"start\": 439.514, \"end\": 439.815, \"score\": 0.973}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"感\", \"start\": 439.815, \"end\": 440.015, \"score\": 0.847}, {\"word\": \"謝\"}, {\"word\": \"黃\"}, {\"word\": \"捷\", \"start\": 440.015, \"end\": 441.875, \"score\": 0.921}, {\"word\": \"委\", \"start\": 441.875, \"end\": 442.115, \"score\": 0.916}, {\"word\": \"員\"}, {\"word\": \"來\"}, {\"word\": \"接\", \"start\": 442.115, \"end\": 442.515, \"score\": 0.95}, {\"word\": \"受\", \"start\": 442.515, \"end\": 442.656, \"score\": 0.849}, {\"word\": \"我\", \"start\": 442.656, \"end\": 442.716, \"score\": 0.666}, {\"word\": \"們\"}, {\"word\": \"家\", \"start\": 442.716, \"end\": 443.196, \"score\": 0.955}, {\"word\": \"張\"}, {\"word\": \"宏\", \"start\": 443.196, \"end\": 443.616, \"score\": 0.904}, {\"word\": \"祿\"}, {\"word\": \"委\", \"start\": 443.616, \"end\": 443.636, \"score\": 0.64}, {\"word\": \"員\"}], \"language\": \"zh\"}","srt":"1\n00:00:12,699 --> 00:00:26,050\n好,謝謝主席。我們請次長。好,請我們董事長。謝謝。好。好,次長早。首先我請教一下,請問你今天早上吃什麼?\n\n2\n00:00:29,435 --> 00:00:30,676\n為什麼不回答?\n\n3\n00:00:30,676 --> 00:00:41,043\n是在藐視國會嗎?沒有這個謝謝委員吹詢我想私人的事務應該不需要在公眾表達謝謝現在是在反質詢嗎?\n\n4\n00:00:41,043 --> 00:00:53,852\n為什麼可以否決我的提問呢?我們尊重大院的權責但是相關的事情應該有一些區隔啦所以你早上是吃三明治還是吃漢堡?我早上吃三明治\n\n5\n00:00:58,649 --> 00:01:23,920\n你確定嗎?有沒有講錯?有沒有虛偽陳述?三明治還在我辦公桌上那就是還沒吃嘛那你還沒吃你說你吃了那你就是虛偽陳述虛偽陳述照國民黨跟民眾黨的版本如果禮拜五他們刑法修過了不好意思你要關一年你會因為你沒有正確的答出你的早餐吃什麼而被關一年\n\n6\n00:01:25,273 --> 00:01:51,256\n所以我要講的就是昨天其實在院會我們通過這25條照國民黨跟民眾黨通過的這個版本沒有反質詢的定義也沒有所謂藐視國會的定義就這樣貿然通過的版本沒有任何實質審查會有多恐怖會讓我們的官員成日就這樣在恐慌當中他不知道該怎麼答他連早餐要吃三明治還是漢堡都沒有辦法回答\n\n7\n00:01:51,916 --> 00:02:21,158\n這就是我們現在通過如此荒謬的法律所以希望藉這個機會讓大家知道不好意思次長第一天來就嚇到你讓你不知道要怎麼回答但是因為昨天我們在國會發生了這樣非常荒謬的一個法律的通過現在已經二讀了所以我必須要讓大家知道我們現在進行的這個藐視國會罪是多麼多麼荒唐的一件事情好謝謝次長你可以先回座了我今天其實不是要問你\n\n8\n00:02:22,479 --> 00:02:48,858\n謝謝副委員來,次長蔣正而且依照再補充一下依照剛剛如果這樣子他藐視國會我們在場有五位委員連署送院會決議就可以通過你就要被送辦了你要嘛就是罰個20萬而且還罰10萬然後可以連次處罰如果你剛剛連續答錯從三明治到咖啡到漢堡\n\n9\n00:02:49,218 --> 00:02:59,547\n如果你每一個都覺得你答錯不好意思我是可以連續處罰你的喔所以這就是這個昨天通過的這個法律的事情好再來我要請教一下經管會有嗎經管會相關的人員是專委嗎經管會專委好專委請教一下專委請\n\n10\n00:03:15,711 --> 00:03:37,200\n好,今天我想要請教的是因為其實今天的這個法律的通過要提升我們不動產估價作業的一些助理的權益然後重點我希望還是放在就是這個不動產估價作業的獨立性我想問一下說我們現在這一次這個助理員的素質的修法方向您認同嗎?\n\n11\n00:03:42,290 --> 00:04:11,006\n是不是因為昨天這個二讀通過大家都有點害怕最後都只敢講說尊重大院的決議其實我還是希望聽聽我們經管會專業的建議你先不用擔心這個法律我們會努力的讓他不要用這麼荒唐的方式進行我還是希望聽到你們專業的建議而不是因為這個法律如果照國民黨跟民眾黨版本通過導致說我們官員每個人都只敢說尊重大院尊重大院那在這邊的質詢就沒有意義囉\n\n12\n00:04:14,352 --> 00:04:38,662\n經管會的立場確實是尊重這個大院的一個決議那這個助理員的一個資格的提升確實是有利不動產的一個估價所以我們尊重好謝謝那當然我覺得這是一個好的方向那我主要想問的是因為接下來其實我們在不動產估價師全聯會有發布一個就是金融機構設定抵押權之不動產估價報告書的範本\n\n13\n00:04:40,883 --> 00:05:03,070\n一級估價的原則就是希望提供我們銀行估價過程的客觀性跟獨立性所以我想要請問的是我們經管會支持這樣的方向嗎因為其實現在大家比較詬病或者是覺得會比較存疑的說因為我們現在國內的銀行都是內部自行估價所以呢如果他可以一手見價一手放款一條龍的完成所有核貸的流程就會被大家說\n\n14\n00:05:08,371 --> 00:05:32,612\n質疑是不是有一些詐貸、抄貸的這些事情然後影響我們的公正客觀性。所以我想問一下經管會對於這樣的事情就是接下來我們不動產估價的過程的獨立性、客觀性有沒有任何的建議以及說現在銀行內部他們這樣自行估價、自行減價、自行放款的公正性您覺得如何?\n\n15\n00:05:36,019 --> 00:06:04,613\n目前其實銀行他在做建價的部分是依據銀行法37條他要去核實的建價那銀行內部針對徵信跟授信是由不同的單位跟人員來去做徵授信的一個審核跟核代那相關的部分是有一些獨立性那在內控上面也有內部集合的一個要求那銀行其實實務上他們在不動產估價師的一個委外建價他們會依照他們個案的需求去做一個\n\n16\n00:06:07,195 --> 00:06:20,588\n我還是希望在這邊建議啦因為其實不動產的放貸的這種委託第三方進行估價其實很多國家都在做那我們現在其實國內很容易被詬病的就是內神通外鬼\n\n17\n00:06:20,928 --> 00:06:22,469\n關於不動產估價的管理規範的原則,針對估價人員的獨立性、專業性都有提供相關的指引。\n\n18\n00:06:38,664 --> 00:06:41,146\n二、審查委員吳琪銘等17人擬具«土地法第十四條之一條文修正草案》案。三、審查委員林岱樺等17人擬具«土地法第十四條之一條文修正草案》案。\n\n19\n00:06:59,047 --> 00:07:23,636\n我們這邊還是強調說這個不動產的估價的話銀行他還是要依照他的一個業務屬性跟一個案子的一個需求去做一個評估啦好那我當然希望經管會還是要進行相關的這個監控啦就是不要讓這個公正性跟獨立性被抹殺好謝謝好謝謝感謝黃捷委員來接受我們家張宏祿委員\n\n","tsv":"start\tend\ttext\n12699\t26050\t好,謝謝主席。我們請次長。好,請我們董事長。謝謝。好。好,次長早。首先我請教一下,請問你今天早上吃什麼?\n29435\t30676\t為什麼不回答?\n30676\t41043\t是在藐視國會嗎?沒有 這個 謝謝委員吹詢 我想私人的事務應該不需要在公眾表達 謝謝現在是在反質詢嗎?\n41043\t53852\t為什麼可以否決我的提問呢?我們尊重大院的權責但是相關的事情應該有一些區隔啦所以你早上是吃三明治還是吃漢堡?我早上吃三明治\n58649\t83920\t你確定嗎?有沒有講錯?有沒有虛偽陳述?三明治還在我辦公桌上那就是還沒吃嘛那你還沒吃你說你吃了那你就是虛偽陳述虛偽陳述照國民黨跟民眾黨的版本如果禮拜五他們刑法修過了不好意思你要關一年你會因為你沒有正確的答出你的早餐吃什麼而被關一年\n85273\t111256\t所以我要講的就是昨天其實在院會我們通過這25條照國民黨跟民眾黨通過的這個版本沒有反質詢的定義也沒有所謂藐視國會的定義就這樣貿然通過的版本沒有任何實質審查會有多恐怖會讓我們的官員成日就這樣在恐慌當中他不知道該怎麼答他連早餐要吃三明治還是漢堡都沒有辦法回答\n111916\t141158\t這就是我們現在通過如此荒謬的法律所以希望藉這個機會讓大家知道不好意思次長第一天來就嚇到你讓你不知道要怎麼回答但是因為昨天我們在國會發生了這樣非常荒謬的一個法律的通過現在已經二讀了所以我必須要讓大家知道我們現在進行的這個藐視國會罪是多麼多麼荒唐的一件事情好謝謝次長你可以先回座了我今天其實不是要問你\n142479\t168858\t謝謝副委員來,次長蔣正而且依照再補充一下依照剛剛如果這樣子他藐視國會我們在場有五位委員連署送院會決議就可以通過你就要被送辦了你要嘛就是罰個20萬而且還罰10萬然後可以連次處罰如果你剛剛連續答錯從三明治到咖啡到漢堡\n169218\t179547\t如果你每一個都覺得你答錯不好意思我是可以連續處罰你的喔所以這就是這個昨天通過的這個法律的事情好再來我要請教一下經管會有嗎經管會相關的人員是專委嗎經管會專委好專委請教一下專委請\n195711\t217200\t好,今天我想要請教的是因為其實今天的這個法律的通過要提升我們不動產估價作業的一些助理的權益然後重點我希望還是放在就是這個不動產估價作業的獨立性我想問一下說我們現在這一次這個助理員的素質的修法方向您認同嗎?\n222290\t251006\t是不是因為昨天這個二讀通過大家都有點害怕最後都只敢講說尊重大院的決議其實我還是希望聽聽我們經管會專業的建議你先不用擔心這個法律我們會努力的讓他不要用這麼荒唐的方式進行我還是希望聽到你們專業的建議而不是因為這個法律如果照國民黨跟民眾黨版本通過導致說我們官員每個人都只敢說尊重大院尊重大院那在這邊的質詢就沒有意義囉\n254352\t278662\t經管會的立場確實是尊重這個大院的一個決議那這個助理員的一個資格的提升確實是有利不動產的一個估價所以我們尊重好謝謝那當然我覺得這是一個好的方向那我主要想問的是因為接下來其實我們在不動產估價師全聯會有發布一個就是金融機構設定抵押權之不動產估價報告書的範本\n280883\t303070\t一級估價的原則就是希望提供我們銀行估價過程的客觀性跟獨立性所以我想要請問的是我們經管會支持這樣的方向嗎因為其實現在大家比較詬病或者是覺得會比較存疑的說因為我們現在國內的銀行都是內部自行估價所以呢如果他可以一手見價一手放款一條龍的完成所有核貸的流程就會被大家說\n308371\t332612\t質疑是不是有一些詐貸、抄貸的這些事情然後影響我們的公正客觀性。所以我想問一下經管會對於這樣的事情就是接下來我們不動產估價的過程的獨立性、客觀性有沒有任何的建議以及說現在銀行內部他們這樣自行估價、自行減價、自行放款的公正性您覺得如何?\n336019\t364613\t目前其實銀行他在做建價的部分是依據銀行法37條他要去核實的建價那銀行內部針對徵信跟授信是由不同的單位跟人員來去做徵授信的一個審核跟核代那相關的部分是有一些獨立性那在內控上面也有內部集合的一個要求那銀行其實實務上他們在不動產估價師的一個委外建價他們會依照他們個案的需求去做一個\n367195\t380588\t我還是希望在這邊建議啦因為其實不動產的放貸的這種委託第三方進行估價其實很多國家都在做那我們現在其實國內很容易被詬病的就是內神通外鬼\n380928\t382469\t關於不動產估價的管理規範的原則,針對估價人員的獨立性、專業性都有提供相關的指引。\n398664\t401146\t二、審查委員吳琪銘等17人擬具 «土地法第十四條之一條文修正草案》案。三、審查委員林岱樺等17人擬具 «土地法第十四條之一條文修正草案》案。\n419047\t443636\t我們這邊還是強調說這個不動產的估價的話銀行他還是要依照他的一個業務屬性跟一個案子的一個需求去做一個評估啦好那我當然希望經管會還是要進行相關的這個監控啦就是不要讓這個公正性跟獨立性被抹殺好謝謝好謝謝感謝黃捷委員來接受我們家張宏祿委員\n","txt":"好,謝謝主席。我們請次長。好,請我們董事長。謝謝。好。好,次長早。首先我請教一下,請問你今天早上吃什麼?\n為什麼不回答?\n是在藐視國會嗎?沒有 這個 謝謝委員吹詢 我想私人的事務應該不需要在公眾表達 謝謝現在是在反質詢嗎?\n為什麼可以否決我的提問呢?我們尊重大院的權責但是相關的事情應該有一些區隔啦所以你早上是吃三明治還是吃漢堡?我早上吃三明治\n你確定嗎?有沒有講錯?有沒有虛偽陳述?三明治還在我辦公桌上那就是還沒吃嘛那你還沒吃你說你吃了那你就是虛偽陳述虛偽陳述照國民黨跟民眾黨的版本如果禮拜五他們刑法修過了不好意思你要關一年你會因為你沒有正確的答出你的早餐吃什麼而被關一年\n所以我要講的就是昨天其實在院會我們通過這25條照國民黨跟民眾黨通過的這個版本沒有反質詢的定義也沒有所謂藐視國會的定義就這樣貿然通過的版本沒有任何實質審查會有多恐怖會讓我們的官員成日就這樣在恐慌當中他不知道該怎麼答他連早餐要吃三明治還是漢堡都沒有辦法回答\n這就是我們現在通過如此荒謬的法律所以希望藉這個機會讓大家知道不好意思次長第一天來就嚇到你讓你不知道要怎麼回答但是因為昨天我們在國會發生了這樣非常荒謬的一個法律的通過現在已經二讀了所以我必須要讓大家知道我們現在進行的這個藐視國會罪是多麼多麼荒唐的一件事情好謝謝次長你可以先回座了我今天其實不是要問你\n謝謝副委員來,次長蔣正而且依照再補充一下依照剛剛如果這樣子他藐視國會我們在場有五位委員連署送院會決議就可以通過你就要被送辦了你要嘛就是罰個20萬而且還罰10萬然後可以連次處罰如果你剛剛連續答錯從三明治到咖啡到漢堡\n如果你每一個都覺得你答錯不好意思我是可以連續處罰你的喔所以這就是這個昨天通過的這個法律的事情好再來我要請教一下經管會有嗎經管會相關的人員是專委嗎經管會專委好專委請教一下專委請\n好,今天我想要請教的是因為其實今天的這個法律的通過要提升我們不動產估價作業的一些助理的權益然後重點我希望還是放在就是這個不動產估價作業的獨立性我想問一下說我們現在這一次這個助理員的素質的修法方向您認同嗎?\n是不是因為昨天這個二讀通過大家都有點害怕最後都只敢講說尊重大院的決議其實我還是希望聽聽我們經管會專業的建議你先不用擔心這個法律我們會努力的讓他不要用這麼荒唐的方式進行我還是希望聽到你們專業的建議而不是因為這個法律如果照國民黨跟民眾黨版本通過導致說我們官員每個人都只敢說尊重大院尊重大院那在這邊的質詢就沒有意義囉\n經管會的立場確實是尊重這個大院的一個決議那這個助理員的一個資格的提升確實是有利不動產的一個估價所以我們尊重好謝謝那當然我覺得這是一個好的方向那我主要想問的是因為接下來其實我們在不動產估價師全聯會有發布一個就是金融機構設定抵押權之不動產估價報告書的範本\n一級估價的原則就是希望提供我們銀行估價過程的客觀性跟獨立性所以我想要請問的是我們經管會支持這樣的方向嗎因為其實現在大家比較詬病或者是覺得會比較存疑的說因為我們現在國內的銀行都是內部自行估價所以呢如果他可以一手見價一手放款一條龍的完成所有核貸的流程就會被大家說\n質疑是不是有一些詐貸、抄貸的這些事情然後影響我們的公正客觀性。所以我想問一下經管會對於這樣的事情就是接下來我們不動產估價的過程的獨立性、客觀性有沒有任何的建議以及說現在銀行內部他們這樣自行估價、自行減價、自行放款的公正性您覺得如何?\n目前其實銀行他在做建價的部分是依據銀行法37條他要去核實的建價那銀行內部針對徵信跟授信是由不同的單位跟人員來去做徵授信的一個審核跟核代那相關的部分是有一些獨立性那在內控上面也有內部集合的一個要求那銀行其實實務上他們在不動產估價師的一個委外建價他們會依照他們個案的需求去做一個\n我還是希望在這邊建議啦因為其實不動產的放貸的這種委託第三方進行估價其實很多國家都在做那我們現在其實國內很容易被詬病的就是內神通外鬼\n關於不動產估價的管理規範的原則,針對估價人員的獨立性、專業性都有提供相關的指引。\n二、審查委員吳琪銘等17人擬具 «土地法第十四條之一條文修正草案》案。三、審查委員林岱樺等17人擬具 «土地法第十四條之一條文修正草案》案。\n我們這邊還是強調說這個不動產的估價的話銀行他還是要依照他的一個業務屬性跟一個案子的一個需求去做一個評估啦好那我當然希望經管會還是要進行相關的這個監控啦就是不要讓這個公正性跟獨立性被抹殺好謝謝好謝謝感謝黃捷委員來接受我們家張宏祿委員\n","vtt":"WEBVTT\n\n00:12.699 --> 00:26.050\n好,謝謝主席。我們請次長。好,請我們董事長。謝謝。好。好,次長早。首先我請教一下,請問你今天早上吃什麼?\n\n00:29.435 --> 00:30.676\n為什麼不回答?\n\n00:30.676 --> 00:41.043\n是在藐視國會嗎?沒有這個謝謝委員吹詢我想私人的事務應該不需要在公眾表達謝謝現在是在反質詢嗎?\n\n00:41.043 --> 00:53.852\n為什麼可以否決我的提問呢?我們尊重大院的權責但是相關的事情應該有一些區隔啦所以你早上是吃三明治還是吃漢堡?我早上吃三明治\n\n00:58.649 --> 01:23.920\n你確定嗎?有沒有講錯?有沒有虛偽陳述?三明治還在我辦公桌上那就是還沒吃嘛那你還沒吃你說你吃了那你就是虛偽陳述虛偽陳述照國民黨跟民眾黨的版本如果禮拜五他們刑法修過了不好意思你要關一年你會因為你沒有正確的答出你的早餐吃什麼而被關一年\n\n01:25.273 --> 01:51.256\n所以我要講的就是昨天其實在院會我們通過這25條照國民黨跟民眾黨通過的這個版本沒有反質詢的定義也沒有所謂藐視國會的定義就這樣貿然通過的版本沒有任何實質審查會有多恐怖會讓我們的官員成日就這樣在恐慌當中他不知道該怎麼答他連早餐要吃三明治還是漢堡都沒有辦法回答\n\n01:51.916 --> 02:21.158\n這就是我們現在通過如此荒謬的法律所以希望藉這個機會讓大家知道不好意思次長第一天來就嚇到你讓你不知道要怎麼回答但是因為昨天我們在國會發生了這樣非常荒謬的一個法律的通過現在已經二讀了所以我必須要讓大家知道我們現在進行的這個藐視國會罪是多麼多麼荒唐的一件事情好謝謝次長你可以先回座了我今天其實不是要問你\n\n02:22.479 --> 02:48.858\n謝謝副委員來,次長蔣正而且依照再補充一下依照剛剛如果這樣子他藐視國會我們在場有五位委員連署送院會決議就可以通過你就要被送辦了你要嘛就是罰個20萬而且還罰10萬然後可以連次處罰如果你剛剛連續答錯從三明治到咖啡到漢堡\n\n02:49.218 --> 02:59.547\n如果你每一個都覺得你答錯不好意思我是可以連續處罰你的喔所以這就是這個昨天通過的這個法律的事情好再來我要請教一下經管會有嗎經管會相關的人員是專委嗎經管會專委好專委請教一下專委請\n\n03:15.711 --> 03:37.200\n好,今天我想要請教的是因為其實今天的這個法律的通過要提升我們不動產估價作業的一些助理的權益然後重點我希望還是放在就是這個不動產估價作業的獨立性我想問一下說我們現在這一次這個助理員的素質的修法方向您認同嗎?\n\n03:42.290 --> 04:11.006\n是不是因為昨天這個二讀通過大家都有點害怕最後都只敢講說尊重大院的決議其實我還是希望聽聽我們經管會專業的建議你先不用擔心這個法律我們會努力的讓他不要用這麼荒唐的方式進行我還是希望聽到你們專業的建議而不是因為這個法律如果照國民黨跟民眾黨版本通過導致說我們官員每個人都只敢說尊重大院尊重大院那在這邊的質詢就沒有意義囉\n\n04:14.352 --> 04:38.662\n經管會的立場確實是尊重這個大院的一個決議那這個助理員的一個資格的提升確實是有利不動產的一個估價所以我們尊重好謝謝那當然我覺得這是一個好的方向那我主要想問的是因為接下來其實我們在不動產估價師全聯會有發布一個就是金融機構設定抵押權之不動產估價報告書的範本\n\n04:40.883 --> 05:03.070\n一級估價的原則就是希望提供我們銀行估價過程的客觀性跟獨立性所以我想要請問的是我們經管會支持這樣的方向嗎因為其實現在大家比較詬病或者是覺得會比較存疑的說因為我們現在國內的銀行都是內部自行估價所以呢如果他可以一手見價一手放款一條龍的完成所有核貸的流程就會被大家說\n\n05:08.371 --> 05:32.612\n質疑是不是有一些詐貸、抄貸的這些事情然後影響我們的公正客觀性。所以我想問一下經管會對於這樣的事情就是接下來我們不動產估價的過程的獨立性、客觀性有沒有任何的建議以及說現在銀行內部他們這樣自行估價、自行減價、自行放款的公正性您覺得如何?\n\n05:36.019 --> 06:04.613\n目前其實銀行他在做建價的部分是依據銀行法37條他要去核實的建價那銀行內部針對徵信跟授信是由不同的單位跟人員來去做徵授信的一個審核跟核代那相關的部分是有一些獨立性那在內控上面也有內部集合的一個要求那銀行其實實務上他們在不動產估價師的一個委外建價他們會依照他們個案的需求去做一個\n\n06:07.195 --> 06:20.588\n我還是希望在這邊建議啦因為其實不動產的放貸的這種委託第三方進行估價其實很多國家都在做那我們現在其實國內很容易被詬病的就是內神通外鬼\n\n06:20.928 --> 06:22.469\n關於不動產估價的管理規範的原則,針對估價人員的獨立性、專業性都有提供相關的指引。\n\n06:38.664 --> 06:41.146\n二、審查委員吳琪銘等17人擬具«土地法第十四條之一條文修正草案》案。三、審查委員林岱樺等17人擬具«土地法第十四條之一條文修正草案》案。\n\n06:59.047 --> 07:23.636\n我們這邊還是強調說這個不動產的估價的話銀行他還是要依照他的一個業務屬性跟一個案子的一個需求去做一個評估啦好那我當然希望經管會還是要進行相關的這個監控啦就是不要讓這個公正性跟獨立性被抹殺好謝謝好謝謝感謝黃捷委員來接受我們家張宏祿委員\n\n","segments":[{"start":12.699,"end":26.05,"text":"好,謝謝主席。我們請次長。好,請我們董事長。謝謝。好。好,次長早。首先我請教一下,請問你今天早上吃什麼?"},{"start":29.435,"end":30.676,"text":"為什麼不回答?"},{"start":30.676,"end":41.043,"text":"是在藐視國會嗎?沒有 這個 謝謝委員吹詢 我想私人的事務應該不需要在公眾表達 謝謝現在是在反質詢嗎?"},{"start":41.043,"end":53.852,"text":"為什麼可以否決我的提問呢?我們尊重大院的權責但是相關的事情應該有一些區隔啦所以你早上是吃三明治還是吃漢堡?我早上吃三明治"},{"start":58.649,"end":83.92,"text":"你確定嗎?有沒有講錯?有沒有虛偽陳述?三明治還在我辦公桌上那就是還沒吃嘛那你還沒吃你說你吃了那你就是虛偽陳述虛偽陳述照國民黨跟民眾黨的版本如果禮拜五他們刑法修過了不好意思你要關一年你會因為你沒有正確的答出你的早餐吃什麼而被關一年"},{"start":85.273,"end":111.256,"text":"所以我要講的就是昨天其實在院會我們通過這25條照國民黨跟民眾黨通過的這個版本沒有反質詢的定義也沒有所謂藐視國會的定義就這樣貿然通過的版本沒有任何實質審查會有多恐怖會讓我們的官員成日就這樣在恐慌當中他不知道該怎麼答他連早餐要吃三明治還是漢堡都沒有辦法回答"},{"start":111.916,"end":141.158,"text":"這就是我們現在通過如此荒謬的法律所以希望藉這個機會讓大家知道不好意思次長第一天來就嚇到你讓你不知道要怎麼回答但是因為昨天我們在國會發生了這樣非常荒謬的一個法律的通過現在已經二讀了所以我必須要讓大家知道我們現在進行的這個藐視國會罪是多麼多麼荒唐的一件事情好謝謝次長你可以先回座了我今天其實不是要問你"},{"start":142.479,"end":168.858,"text":"謝謝副委員來,次長蔣正而且依照再補充一下依照剛剛如果這樣子他藐視國會我們在場有五位委員連署送院會決議就可以通過你就要被送辦了你要嘛就是罰個20萬而且還罰10萬然後可以連次處罰如果你剛剛連續答錯從三明治到咖啡到漢堡"},{"start":169.218,"end":179.547,"text":"如果你每一個都覺得你答錯不好意思我是可以連續處罰你的喔所以這就是這個昨天通過的這個法律的事情好再來我要請教一下經管會有嗎經管會相關的人員是專委嗎經管會專委好專委請教一下專委請"},{"start":195.711,"end":217.2,"text":"好,今天我想要請教的是因為其實今天的這個法律的通過要提升我們不動產估價作業的一些助理的權益然後重點我希望還是放在就是這個不動產估價作業的獨立性我想問一下說我們現在這一次這個助理員的素質的修法方向您認同嗎?"},{"start":222.29,"end":251.006,"text":"是不是因為昨天這個二讀通過大家都有點害怕最後都只敢講說尊重大院的決議其實我還是希望聽聽我們經管會專業的建議你先不用擔心這個法律我們會努力的讓他不要用這麼荒唐的方式進行我還是希望聽到你們專業的建議而不是因為這個法律如果照國民黨跟民眾黨版本通過導致說我們官員每個人都只敢說尊重大院尊重大院那在這邊的質詢就沒有意義囉"},{"start":254.352,"end":278.662,"text":"經管會的立場確實是尊重這個大院的一個決議那這個助理員的一個資格的提升確實是有利不動產的一個估價所以我們尊重好謝謝那當然我覺得這是一個好的方向那我主要想問的是因為接下來其實我們在不動產估價師全聯會有發布一個就是金融機構設定抵押權之不動產估價報告書的範本"},{"start":280.883,"end":303.07,"text":"一級估價的原則就是希望提供我們銀行估價過程的客觀性跟獨立性所以我想要請問的是我們經管會支持這樣的方向嗎因為其實現在大家比較詬病或者是覺得會比較存疑的說因為我們現在國內的銀行都是內部自行估價所以呢如果他可以一手見價一手放款一條龍的完成所有核貸的流程就會被大家說"},{"start":308.371,"end":332.612,"text":"質疑是不是有一些詐貸、抄貸的這些事情然後影響我們的公正客觀性。所以我想問一下經管會對於這樣的事情就是接下來我們不動產估價的過程的獨立性、客觀性有沒有任何的建議以及說現在銀行內部他們這樣自行估價、自行減價、自行放款的公正性您覺得如何?"},{"start":336.019,"end":364.613,"text":"目前其實銀行他在做建價的部分是依據銀行法37條他要去核實的建價那銀行內部針對徵信跟授信是由不同的單位跟人員來去做徵授信的一個審核跟核代那相關的部分是有一些獨立性那在內控上面也有內部集合的一個要求那銀行其實實務上他們在不動產估價師的一個委外建價他們會依照他們個案的需求去做一個"},{"start":367.195,"end":380.588,"text":"我還是希望在這邊建議啦因為其實不動產的放貸的這種委託第三方進行估價其實很多國家都在做那我們現在其實國內很容易被詬病的就是內神通外鬼"},{"start":380.928,"end":382.469,"text":"關於不動產估價的管理規範的原則,針對估價人員的獨立性、專業性都有提供相關的指引。"},{"start":398.664,"end":401.146,"text":"二、審查委員吳琪銘等17人擬具 «土地法第十四條之一條文修正草案》案。三、審查委員林岱樺等17人擬具 «土地法第十四條之一條文修正草案》案。"},{"start":419.047,"end":443.636,"text":"我們這邊還是強調說這個不動產的估價的話銀行他還是要依照他的一個業務屬性跟一個案子的一個需求去做一個評估啦好那我當然希望經管會還是要進行相關的這個監控啦就是不要讓這個公正性跟獨立性被抹殺好謝謝好謝謝感謝黃捷委員來接受我們家張宏祿委員"}]}}}}