{"id":152843,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/152843","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/ec526bb9f1bdce9d7fcb512515250d1b88b406ffa24a3d763b43bbf2d64d20173d61ecffa071dd515ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"林楚茵","委員發言時間":"12:37:11 - 12:45:04","影片長度":"00:07:53","會議時間":"2024-05-22T09:00:00+08:00","會議名稱":"立法院第11屆第1會期財政委員會第13次全體委員會議（事由：邀請金融監督管理委員會彭主任委員金隆率所屬機關首長暨中央存款保險股份有限公司、監管相關機構有關之財團法人、臺灣證券交易所股份有限公司、臺灣期貨交易所股份有限公司、臺灣集中保管結算所股份有限公司等董事長、總經理列席業務報告，並備質詢。\n【5月20日及22日二天一次會】）","date":"2024-05-22","duration":473,"meet":{"tmpMeeting":null,"title":"第11屆第1會期財政委員會第13次全體委員會議","term":11,"type":"委員會","sessionPeriod":1,"sessionTimes":13,"committees":[20],"id":"委員會-11-1-20-13"},"end_time":"2024-05-22T12:45:04+08:00","start_time":"2024-05-22T12:37:11+08:00","features":["ai-transcript","gazette"],"type":"Clip","gazette":{"lineno":1055,"blocks":[["林委員楚茵：（12時37分）謝謝主席，有請彭主委。"],["主席：請彭主委。"],["彭主任委員金隆：委員好。"],["林委員楚茵：主委好。我知道你上任今天才第二天，如果等一下本席所詢問的一些事情您在業務部分還沒有完全熟悉的話，可以讓其他出席的局處署長來協助。"],["彭主任委員金隆：非常謝謝。"],["林委員楚茵：我想金管會對於金融秩序的監理過去其實一直都是非常重要的，我比較關注的今天就先講銀行貸款的部分。前面其實也有聽到一些委員在關心，就是有關於融資公司到底要不要納入金管會來管理，但是最近許多新聞事件頻傳，銀行利用……應該是說民眾或者是法人用不動產來跟銀行借款的時候，為什麼會出現超貸的情況？像這些都是不勝枚舉，包括是不是因為原因就出在球員兼裁判？因為今天時間有限，我就只是把這些新聞的標題拿出來，不多做細數，但是會不會其實銀行的貸款就是有關係就安心貸，如果沒關係就好難貸？我們其實都會發現如果今天拿資產去貸款的時候，有人可能50年以上的老屋可以貸個八成以上、甚至於九成，還可以貸到裝潢費：而有些人甚至於是即使房子在那裡、同樣的條件，但他貸不出來，加上他的年紀如果不符合銀行的潛規則，比如75、85，他連貸的能力都沒有，那麼這個會不會是一種所謂球員兼裁判？也就是銀行自己決定今天來貸款的人到底他的關係如何。我想請問的就是我們如何讓一般真的本身就有貸款能力的人不要進入到所謂的融資公司、進入吸血的地獄。我不知道主委知不知道，其實內政委員會今天在審查一個法案是不動產估價師法的修正，剛剛會議可能已經結束了。"],["彭主任委員金隆：抱歉，我沒有掌握到。"],["林委員楚茵：好，沒有問題。看下一張，我希望主委能夠關注這個事情，我們都知道銀行在做融資的過程當中對於不動產會有一些房屋條件的估價，但是如果你要避免有人因為有關係就安心貸、沒關係就好難貸，最後只好去找這個融資公司，進入吸血地獄，那麼是不是在這樣的審核過程當中，銀行的審核必須要有所謂關鍵的第三人來確保授信的品質？這個其實過去4年我在這裡不只一次的呼籲，希望金管會要重視這個部分。請幫我回到PowerPoint第1頁，前面有人有關係借得到，一屋還可以短期內三貸，然後銀行內部也常常出現內鬼來詐貸，這些狀況是不是可以透過公正的第三方來做處理呢？主委，比如讓銀行能夠有所謂不動產估價師，我會提到今天內政委員會的修法是因為希望透過修法讓不動產估價師的助理能夠有一個合理化的名份，銀行或是金融機構如果沒有一個常駐的不動產估價師，那麼至少可以有一個不動產估價師的助理，這個是不是一個解決銀行球員兼裁判，要不超貸被發現、要不就是沒關係好難貸、或者是他的條件不夠好，但是也許未來的規劃上面有機會還是符合還款能力的時候，他能不要進入融資公司的受害者、進入吸血地獄。我知道主委你有點子王之稱，我的提問有沒有可能評估或有沒有可能有一個方向來做了解？"],["彭主任委員金隆：委員您剛才說到的，其實我覺得專業又透明的資訊對於交易安全絕對有很大的幫助。"],["林委員楚茵：是。"],["彭主任委員金隆：我剛才也跟局長簡單討論一下，未來我們可以朝這個、比如一定金額以上能不能跟剛才講的更公正客觀的資訊團體來做一個合作，讓整個交易更趨近於公平。"],["林委員楚茵：好，因為本席在過去幾年的質詢當中，銀行不論是公股行庫或者是金融機構都常常說：有，我們都有自己的評估、我們都很專業。但是只要高層一通電話，又或者是今天看到來借款的這個單位或者是這個個人他有比較好的背景，那可能就有機會被上下其手。像這個部分我也希望主委能夠真的承諾，讓真的客觀公正的第三方在一定的案子當中能夠讓資訊更透明。","最後一點時間我們來看下一張，就是本席也非常關注的有關漂綠的部分，我們都知道主委對ESG也非常重視，到底如何來防範漂綠呢？我手頭上現在是知道金管會跟環境部正在針對金融機構防範漂綠有出了一些指引，但是我們都知道金融機構到底有沒有辦法針對來進行融資的單位所融資的項目是真綠、還是假綠、又或者是漂綠？這個過程當中雖然有指引，但是指引的方向都只是一個目標性，有沒有可能有更具體的方向，而這個方向能夠讓金融機構跟它的往來的企業能夠有一個更合理的方式，而不是指引只是一種感覺。"],["彭主任委員金隆：沒有錯，未來對永續或綠色大家都非常的關注，我們站在監理機關立場對這個東西也是非常注意，所以我們最近訂了一個規範，我可以請我們的同仁胡處長來跟您回答好嗎？謝謝。"],["林委員楚茵：好。"],["彭主任委員金隆：謝謝。"],["胡處長則華：跟委員報告，我們針對金融業防漂綠的指引部分是針對金融業對外宣稱的時候可能有的一些注意事項，至於譬如銀行，假設它要接受它的客戶的時候，其實他們會做相關的盡職治理，譬如像現在有些銀行會發綠色的授信或者是永續連結貸款，其實我們都有要求他們要遵守國際上有一個包含綠色授信的原則等等之類的，所以其實它自己內部會有一個審核的流程，是可以儘量避免這種企業漂綠的狀況。"],["林委員楚茵：主席，最後我只一句話，就是我希望這些規範能夠符合國際上的規章跟需求，好嗎？其他更詳細的資料再請金管會提供給我的辦公室。"],["彭主任委員金隆：好的，可以，沒有問題。謝謝。"],["林委員楚茵：謝謝。"],["主席（陳委員玉珍代）：謝謝林楚茵委員。","接著請鄭天財委員、鄭天財委員、鄭天財委員，鄭天財委員不在場。","邱志偉委員、邱志偉委員、邱志偉委員，邱志偉委員不在場。","洪孟楷委員、洪孟楷委員、洪孟楷委員，洪孟楷委員不在場。","請吳春城委員。"]],"agenda":{"page_end":332,"meet_id":"委員會-11-1-20-13","speakers":["羅明才","林德福","吳秉叡","顏寬恒","賴惠員","賴士葆","王鴻薇","郭國文","李彥秀","黃珊珊","伍麗華Saidhai‧Tahovecahe","李坤城","王世堅","楊瓊瓔","黃國昌","葛如鈞","陳玉珍","林楚茵","吳春城","鍾佳濱","謝衣鳯","張嘉郡"],"page_start":263,"meetingDate":["2024-05-22"],"gazette_id":"1134901","agenda_lcidc_ids":["1134901_00008"],"meet_name":"立法院第11屆第1會期財政委員會第13次全體委員會議紀錄","content":"邀請金融監督管理委員會彭主任委員金隆率所屬機關首長暨中央存款保險股份有限公司、監管相\n關機構有關之財團法人、臺灣證券交易所股份有限公司、臺灣期貨交易所股份有限公司、臺灣集\n中保管結算所股份有限公司等董事長、總經理列席業務報告，並備質詢","agenda_id":"1134901_00005"}},"transcript":{"id":"152843","pyannote":{"name":"ronny","tool":"pyannote","data":{"url":"https://ivod.ly.gov.tw/Play/Clip/1M/152843","tool":"pyannote","id":"152843-pyannote"},"job_id":"TANzg2NYmE70KI1c","queued_at":"2024-05-30 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00:00:24,529\n謝謝主席,主席有請彭主委請彭主委主委好你好,主委好我知道今天才第二天上任如果等一下本席所詢問的一些事情那麼您在業務的部分還沒有完全熟悉的話可以讓其他出席的我們包括其他的局處的首長來協助非常謝謝\n\n2\n00:00:26,451 --> 00:00:53,121\n那麼我想其實這個金管會對於金融秩序的監理過去其實一直都是非常重要的那我其實比較關注的當然今天我就來先講銀行這個貸款的部分前面其實也有聽到一些委員在關心當然就是有關於這個我們融資公司到底要不要納作金管會來管理但是最近許多的新聞事件頻傳啦銀行利用應該是說民眾\n\n3\n00:00:55,222 --> 00:01:19,877\n或者是法人用不動產來跟銀行借款的時候為什麼會出現超貸的情況那麼像這些東西都是不勝美舉包括是不是因為原因就出在求援兼裁判因為今天時間有限我就只是把這些新聞的標題拿出來我不多做細數但是會不會其實銀行的貸款它就是有關係你就安心貸如果沒關係就好難貸\n\n4\n00:01:21,118 --> 00:01:49,395\n我們其實都會發現說如果今天我拿你的資產去貸款的時候有人老屋可以可能五十年以上的老屋可以貸個八成以上甚至於九成還可以貸到裝潢費有些人呢他甚至於是即使房子在那裡同樣的條件他會貸不出來甚至於加上他的年紀如果不符合銀行的潛規則比如七五八五\n\n5\n00:01:50,418 --> 00:02:17,830\n他連貸的能力都沒有那麼這個會不會是一種所謂求援兼裁判也就是銀行自己決定了今天來貸的人到底他的關係如何那我想請問的就是如何我們讓一般真的他本身就有貸款能力的人不要進入到所謂的融資公司進入吸血的地獄我不知道主委知不知道其實內政委員會今天在審查的有一個法案是叫做\n\n6\n00:02:18,570 --> 00:02:28,300\n不動產估價施法的修正今天這個剛剛可能已經會議結束但今天抱歉抱歉沒有掌握到好沒有問題來看下一張就是我希望主委能夠關注這個事情就是我們都知道銀行在做融資的過程當中對於不動產他會有一些房屋條件的估價\n\n7\n00:02:43,274 --> 00:03:09,310\n但是如果你要避免有人因為有關係就安心貸沒關係就好難貸最後只好去找這個融資公司進入吸血地獄那麼是不是在這樣的審核過程當中銀行的審核必須要有所謂關鍵的第三人來確保受信的品質這個其實我在這裡其實已經過去的四年我不止一次的呼籲就是希望\n\n8\n00:03:09,850 --> 00:03:12,953\n金管會要重視這個部分幫我回到第一頁前面有人有關係借的到老一屋還可以短期念三代然後銀行內部也常常出現內鬼來炸彈那這些狀況\n\n9\n00:03:28,337 --> 00:03:43,790\n是不是可以透過公正的第三方來做處理呢主委比如說讓銀行能夠有所謂不動產的估價師我會提到今天內政委員會的修法是因為希望透過修法讓不動產估價師的助理能夠有一個合理化的名份在那裡那麼銀行或是金融機構如果說\n\n10\n00:03:56,203 --> 00:04:11,484\n他沒有一個常駐的不動產估價師那麼至少可以有一個不動產估價師的助理那這個是不是一個解決銀行求援兼裁判要不超代被發現\n\n11\n00:04:12,725 --> 00:04:35,621\n要不呢就是沒關係好難帶或者是他的條件不夠好但是也許未來的規劃上面有機會還是扶有還款能力的時候他不要進入融資公司的受害者進入吸血地獄我知道主委你有點子王之稱啦那某首題的提問有沒有可能評估或有沒有可能一個方向來做了解\n\n12\n00:04:37,043 --> 00:05:01,728\n委員您剛才說到的其實我覺得專業又透明的資訊絕對對交易安全是有很大的幫助那剛才也跟局長簡單討論一下未來我們可以來朝這個比如說一定金額以上我們看能不能跟這個比如說剛才講這些更公正客觀的這個資訊團體來做一個合作讓整個交易更趨近於公平\n\n13\n00:05:02,188 --> 00:05:20,902\n好因為本席在過去幾年的質詢當中喔常常銀行不論是公股、行庫或者是我們這些金融機構都說啊有我們都有我們都有自己的評估我們都很專業但是只要高層一通電話又或者是今天看到來\n\n14\n00:05:22,540 --> 00:05:40,413\n借款的這個單位或者是這個個人他有比較好的背景那可能就有機會被上下棋手那像這個部分我也希望主委能夠真的承諾就是讓真的客觀公正的第三方在一定的案子當中能夠讓這個資訊更透明\n\n15\n00:05:42,054 --> 00:06:06,633\n那最後一點時間我們來看下一張就是本席也非常關注就是有關於這個票率的部分新主委我們都知道主委ESG你也非常的重視那到底如何來防範票率呢我手頭上現在是知道金管會跟環境部正在針對金融機構防範票率有出了一些指引但是我們都知道金融機構他到底有沒有辦法針對\n\n16\n00:06:08,874 --> 00:06:32,539\n來進行融資的單位他所融資的項目是真率還是假率又或者是表率那這個過程當中雖然有這個指引但是指引的方向都只是一個目標性有沒有可能有更具體的方向而這個方向能夠讓金融機構跟他的所謂往來的企業能夠有一個更合理的方式而不是說指引只是一種感覺\n\n17\n00:06:35,185 --> 00:06:48,669\n沒有錯,未來對永續或綠色大家都非常的關注我們站在監理機關對這個東西也是非常的注意所以我們最近也有訂了一個規範我可以請我們的同仁處長來跟您回答好嗎?謝謝\n\n18\n00:06:55,631 --> 00:07:20,022\n委員跟您報告我們這個針對金融業的房票率的指引部分是針對金融業對外宣稱的時候那他可能有一些注意的事項那至於說像譬如說銀行他假設要就是接受他的客戶的時候其實他們會做相關的淨值治理那譬如說像現在有些銀行會發綠色的授信或者是永續連結貸款那其實我們都有要求他們要遵守國際上面有一個\n\n19\n00:07:20,522 --> 00:07:20,683\n﹑林楚茵\n\n20\n00:07:31,038 --> 00:07:53,537\n主席我只最後一句話就是我希望這些規範是能夠符合國際上面的規章跟需求好嗎那其他更詳細的資料再請金管會提供給我辦公室好的謝謝可以沒有問題謝謝謝謝林楚茵委員接著我們請鄭天才委員鄭天才鄭天才鄭天才不在邱志偉委員邱志偉邱志偉\n\n","tsv":"start\tend\ttext\n2507\t24529\t謝謝主席,主席有請彭主委請彭主委主委好你好,主委好我知道今天才第二天上任如果等一下本席所詢問的一些事情那麼您在業務的部分還沒有完全熟悉的話可以讓其他出席的我們包括其他的局處的首長來協助非常謝謝\n26451\t53121\t那麼我想其實這個金管會對於金融秩序的監理過去其實一直都是非常重要的那我其實比較關注的當然今天我就來先講銀行這個貸款的部分前面其實也有聽到一些委員在關心當然就是有關於這個我們融資公司到底要不要納作金管會來管理但是最近許多的新聞事件頻傳啦銀行利用應該是說民眾\n55222\t79877\t或者是法人用不動產來跟銀行借款的時候為什麼會出現超貸的情況那麼像這些東西都是不勝美舉包括是不是因為原因就出在求援兼裁判因為今天時間有限我就只是把這些新聞的標題拿出來我不多做細數但是會不會其實銀行的貸款它就是有關係你就安心貸如果沒關係就好難貸\n81118\t109395\t我們其實都會發現說如果今天我拿你的資產去貸款的時候有人老屋可以可能五十年以上的老屋可以貸個八成以上甚至於九成還可以貸到裝潢費有些人呢他甚至於是即使房子在那裡同樣的條件他會貸不出來甚至於加上他的年紀如果不符合銀行的潛規則比如七五八五\n110418\t137830\t他連貸的能力都沒有那麼這個會不會是一種所謂求援兼裁判也就是銀行自己決定了今天來貸的人到底他的關係如何那我想請問的就是如何我們讓一般真的他本身就有貸款能力的人不要進入到所謂的融資公司進入吸血的地獄我不知道主委知不知道其實內政委員會今天在審查的有一個法案是叫做\n138570\t148300\t不動產估價施法的修正今天這個剛剛可能已經會議結束但今天抱歉抱歉沒有掌握到好沒有問題來看下一張就是我希望主委能夠關注這個事情就是我們都知道銀行在做融資的過程當中對於不動產他會有一些房屋條件的估價\n163274\t189310\t但是如果你要避免有人因為有關係就安心貸沒關係就好難貸最後只好去找這個融資公司進入吸血地獄那麼是不是在這樣的審核過程當中銀行的審核必須要有所謂關鍵的第三人來確保受信的品質這個其實我在這裡其實已經過去的四年我不止一次的呼籲就是希望\n189850\t192953\t金管會要重視這個部分幫我回到第一頁前面有人有關係借的到老一屋還可以短期念三代然後銀行內部也常常出現內鬼來炸彈那這些狀況\n208337\t223790\t是不是可以透過公正的第三方來做處理呢主委比如說讓銀行能夠有所謂不動產的估價師我會提到今天內政委員會的修法是因為希望透過修法讓不動產估價師的助理能夠有一個合理化的名份在那裡那麼銀行或是金融機構如果說\n236203\t251484\t他沒有一個常駐的不動產估價師那麼至少可以有一個不動產估價師的助理那這個是不是一個解決銀行求援兼裁判要不超代被發現\n252725\t275621\t要不呢就是沒關係好難帶或者是他的條件不夠好但是也許未來的規劃上面有機會還是扶有還款能力的時候他不要進入融資公司的受害者進入吸血地獄我知道主委你有點子王之稱啦那某首題的提問有沒有可能評估或有沒有可能一個方向來做了解\n277043\t301728\t委員您剛才說到的其實我覺得專業又透明的資訊絕對對交易安全是有很大的幫助那剛才也跟局長簡單討論一下未來我們可以來朝這個比如說一定金額以上我們看能不能跟這個比如說剛才講這些更公正客觀的這個資訊團體來做一個合作讓整個交易更趨近於公平\n302188\t320902\t好因為本席在過去幾年的質詢當中喔常常銀行不論是公股、行庫或者是我們這些金融機構都說啊有我們都有我們都有自己的評估我們都很專業但是只要高層一通電話又或者是今天看到來\n322540\t340413\t借款的這個單位或者是這個個人他有比較好的背景那可能就有機會被上下棋手那像這個部分我也希望主委能夠真的承諾就是讓真的客觀公正的第三方在一定的案子當中能夠讓這個資訊更透明\n342054\t366633\t那最後一點時間我們來看下一張就是本席也非常關注就是有關於這個票率的部分新主委我們都知道主委ESG你也非常的重視那到底如何來防範票率呢我手頭上現在是知道金管會跟環境部正在針對金融機構防範票率有出了一些指引但是我們都知道金融機構他到底有沒有辦法針對\n368874\t392539\t來進行融資的單位他所融資的項目是真率還是假率又或者是表率那這個過程當中雖然有這個指引但是指引的方向都只是一個目標性有沒有可能有更具體的方向而這個方向能夠讓金融機構跟他的所謂往來的企業能夠有一個更合理的方式而不是說指引只是一種感覺\n395185\t408669\t沒有錯,未來對永續或綠色大家都非常的關注我們站在監理機關對這個東西也是非常的注意所以我們最近也有訂了一個規範我可以請我們的同仁處長來跟您回答好嗎?謝謝\n415631\t440022\t委員跟您報告我們這個針對金融業的房票率的指引部分是針對金融業對外宣稱的時候那他可能有一些注意的事項那至於說像譬如說銀行他假設要就是接受他的客戶的時候其實他們會做相關的淨值治理那譬如說像現在有些銀行會發綠色的授信或者是永續連結貸款那其實我們都有要求他們要遵守國際上面有一個\n440522\t440683\t﹑林楚茵\n451038\t473537\t主席我只最後一句話就是我希望這些規範是能夠符合國際上面的規章跟需求好嗎那其他更詳細的資料再請金管會提供給我辦公室好的謝謝可以沒有問題謝謝謝謝林楚茵委員接著我們請鄭天才委員鄭天才鄭天才鄭天才不在邱志偉委員邱志偉邱志偉\n","txt":"謝謝主席,主席有請彭主委請彭主委主委好你好,主委好我知道今天才第二天上任如果等一下本席所詢問的一些事情那麼您在業務的部分還沒有完全熟悉的話可以讓其他出席的我們包括其他的局處的首長來協助非常謝謝\n那麼我想其實這個金管會對於金融秩序的監理過去其實一直都是非常重要的那我其實比較關注的當然今天我就來先講銀行這個貸款的部分前面其實也有聽到一些委員在關心當然就是有關於這個我們融資公司到底要不要納作金管會來管理但是最近許多的新聞事件頻傳啦銀行利用應該是說民眾\n或者是法人用不動產來跟銀行借款的時候為什麼會出現超貸的情況那麼像這些東西都是不勝美舉包括是不是因為原因就出在求援兼裁判因為今天時間有限我就只是把這些新聞的標題拿出來我不多做細數但是會不會其實銀行的貸款它就是有關係你就安心貸如果沒關係就好難貸\n我們其實都會發現說如果今天我拿你的資產去貸款的時候有人老屋可以可能五十年以上的老屋可以貸個八成以上甚至於九成還可以貸到裝潢費有些人呢他甚至於是即使房子在那裡同樣的條件他會貸不出來甚至於加上他的年紀如果不符合銀行的潛規則比如七五八五\n他連貸的能力都沒有那麼這個會不會是一種所謂求援兼裁判也就是銀行自己決定了今天來貸的人到底他的關係如何那我想請問的就是如何我們讓一般真的他本身就有貸款能力的人不要進入到所謂的融資公司進入吸血的地獄我不知道主委知不知道其實內政委員會今天在審查的有一個法案是叫做\n不動產估價施法的修正今天這個剛剛可能已經會議結束但今天抱歉抱歉沒有掌握到好沒有問題來看下一張就是我希望主委能夠關注這個事情就是我們都知道銀行在做融資的過程當中對於不動產他會有一些房屋條件的估價\n但是如果你要避免有人因為有關係就安心貸沒關係就好難貸最後只好去找這個融資公司進入吸血地獄那麼是不是在這樣的審核過程當中銀行的審核必須要有所謂關鍵的第三人來確保受信的品質這個其實我在這裡其實已經過去的四年我不止一次的呼籲就是希望\n金管會要重視這個部分幫我回到第一頁前面有人有關係借的到老一屋還可以短期念三代然後銀行內部也常常出現內鬼來炸彈那這些狀況\n是不是可以透過公正的第三方來做處理呢主委比如說讓銀行能夠有所謂不動產的估價師我會提到今天內政委員會的修法是因為希望透過修法讓不動產估價師的助理能夠有一個合理化的名份在那裡那麼銀行或是金融機構如果說\n他沒有一個常駐的不動產估價師那麼至少可以有一個不動產估價師的助理那這個是不是一個解決銀行求援兼裁判要不超代被發現\n要不呢就是沒關係好難帶或者是他的條件不夠好但是也許未來的規劃上面有機會還是扶有還款能力的時候他不要進入融資公司的受害者進入吸血地獄我知道主委你有點子王之稱啦那某首題的提問有沒有可能評估或有沒有可能一個方向來做了解\n委員您剛才說到的其實我覺得專業又透明的資訊絕對對交易安全是有很大的幫助那剛才也跟局長簡單討論一下未來我們可以來朝這個比如說一定金額以上我們看能不能跟這個比如說剛才講這些更公正客觀的這個資訊團體來做一個合作讓整個交易更趨近於公平\n好因為本席在過去幾年的質詢當中喔常常銀行不論是公股、行庫或者是我們這些金融機構都說啊有我們都有我們都有自己的評估我們都很專業但是只要高層一通電話又或者是今天看到來\n借款的這個單位或者是這個個人他有比較好的背景那可能就有機會被上下棋手那像這個部分我也希望主委能夠真的承諾就是讓真的客觀公正的第三方在一定的案子當中能夠讓這個資訊更透明\n那最後一點時間我們來看下一張就是本席也非常關注就是有關於這個票率的部分新主委我們都知道主委ESG你也非常的重視那到底如何來防範票率呢我手頭上現在是知道金管會跟環境部正在針對金融機構防範票率有出了一些指引但是我們都知道金融機構他到底有沒有辦法針對\n來進行融資的單位他所融資的項目是真率還是假率又或者是表率那這個過程當中雖然有這個指引但是指引的方向都只是一個目標性有沒有可能有更具體的方向而這個方向能夠讓金融機構跟他的所謂往來的企業能夠有一個更合理的方式而不是說指引只是一種感覺\n沒有錯,未來對永續或綠色大家都非常的關注我們站在監理機關對這個東西也是非常的注意所以我們最近也有訂了一個規範我可以請我們的同仁處長來跟您回答好嗎?謝謝\n委員跟您報告我們這個針對金融業的房票率的指引部分是針對金融業對外宣稱的時候那他可能有一些注意的事項那至於說像譬如說銀行他假設要就是接受他的客戶的時候其實他們會做相關的淨值治理那譬如說像現在有些銀行會發綠色的授信或者是永續連結貸款那其實我們都有要求他們要遵守國際上面有一個\n﹑林楚茵\n主席我只最後一句話就是我希望這些規範是能夠符合國際上面的規章跟需求好嗎那其他更詳細的資料再請金管會提供給我辦公室好的謝謝可以沒有問題謝謝謝謝林楚茵委員接著我們請鄭天才委員鄭天才鄭天才鄭天才不在邱志偉委員邱志偉邱志偉\n","vtt":"WEBVTT\n\n00:02.507 --> 00:24.529\n謝謝主席,主席有請彭主委請彭主委主委好你好,主委好我知道今天才第二天上任如果等一下本席所詢問的一些事情那麼您在業務的部分還沒有完全熟悉的話可以讓其他出席的我們包括其他的局處的首長來協助非常謝謝\n\n00:26.451 --> 00:53.121\n那麼我想其實這個金管會對於金融秩序的監理過去其實一直都是非常重要的那我其實比較關注的當然今天我就來先講銀行這個貸款的部分前面其實也有聽到一些委員在關心當然就是有關於這個我們融資公司到底要不要納作金管會來管理但是最近許多的新聞事件頻傳啦銀行利用應該是說民眾\n\n00:55.222 --> 01:19.877\n或者是法人用不動產來跟銀行借款的時候為什麼會出現超貸的情況那麼像這些東西都是不勝美舉包括是不是因為原因就出在求援兼裁判因為今天時間有限我就只是把這些新聞的標題拿出來我不多做細數但是會不會其實銀行的貸款它就是有關係你就安心貸如果沒關係就好難貸\n\n01:21.118 --> 01:49.395\n我們其實都會發現說如果今天我拿你的資產去貸款的時候有人老屋可以可能五十年以上的老屋可以貸個八成以上甚至於九成還可以貸到裝潢費有些人呢他甚至於是即使房子在那裡同樣的條件他會貸不出來甚至於加上他的年紀如果不符合銀行的潛規則比如七五八五\n\n01:50.418 --> 02:17.830\n他連貸的能力都沒有那麼這個會不會是一種所謂求援兼裁判也就是銀行自己決定了今天來貸的人到底他的關係如何那我想請問的就是如何我們讓一般真的他本身就有貸款能力的人不要進入到所謂的融資公司進入吸血的地獄我不知道主委知不知道其實內政委員會今天在審查的有一個法案是叫做\n\n02:18.570 --> 02:28.300\n不動產估價施法的修正今天這個剛剛可能已經會議結束但今天抱歉抱歉沒有掌握到好沒有問題來看下一張就是我希望主委能夠關注這個事情就是我們都知道銀行在做融資的過程當中對於不動產他會有一些房屋條件的估價\n\n02:43.274 --> 03:09.310\n但是如果你要避免有人因為有關係就安心貸沒關係就好難貸最後只好去找這個融資公司進入吸血地獄那麼是不是在這樣的審核過程當中銀行的審核必須要有所謂關鍵的第三人來確保受信的品質這個其實我在這裡其實已經過去的四年我不止一次的呼籲就是希望\n\n03:09.850 --> 03:12.953\n金管會要重視這個部分幫我回到第一頁前面有人有關係借的到老一屋還可以短期念三代然後銀行內部也常常出現內鬼來炸彈那這些狀況\n\n03:28.337 --> 03:43.790\n是不是可以透過公正的第三方來做處理呢主委比如說讓銀行能夠有所謂不動產的估價師我會提到今天內政委員會的修法是因為希望透過修法讓不動產估價師的助理能夠有一個合理化的名份在那裡那麼銀行或是金融機構如果說\n\n03:56.203 --> 04:11.484\n他沒有一個常駐的不動產估價師那麼至少可以有一個不動產估價師的助理那這個是不是一個解決銀行求援兼裁判要不超代被發現\n\n04:12.725 --> 04:35.621\n要不呢就是沒關係好難帶或者是他的條件不夠好但是也許未來的規劃上面有機會還是扶有還款能力的時候他不要進入融資公司的受害者進入吸血地獄我知道主委你有點子王之稱啦那某首題的提問有沒有可能評估或有沒有可能一個方向來做了解\n\n04:37.043 --> 05:01.728\n委員您剛才說到的其實我覺得專業又透明的資訊絕對對交易安全是有很大的幫助那剛才也跟局長簡單討論一下未來我們可以來朝這個比如說一定金額以上我們看能不能跟這個比如說剛才講這些更公正客觀的這個資訊團體來做一個合作讓整個交易更趨近於公平\n\n05:02.188 --> 05:20.902\n好因為本席在過去幾年的質詢當中喔常常銀行不論是公股、行庫或者是我們這些金融機構都說啊有我們都有我們都有自己的評估我們都很專業但是只要高層一通電話又或者是今天看到來\n\n05:22.540 --> 05:40.413\n借款的這個單位或者是這個個人他有比較好的背景那可能就有機會被上下棋手那像這個部分我也希望主委能夠真的承諾就是讓真的客觀公正的第三方在一定的案子當中能夠讓這個資訊更透明\n\n05:42.054 --> 06:06.633\n那最後一點時間我們來看下一張就是本席也非常關注就是有關於這個票率的部分新主委我們都知道主委ESG你也非常的重視那到底如何來防範票率呢我手頭上現在是知道金管會跟環境部正在針對金融機構防範票率有出了一些指引但是我們都知道金融機構他到底有沒有辦法針對\n\n06:08.874 --> 06:32.539\n來進行融資的單位他所融資的項目是真率還是假率又或者是表率那這個過程當中雖然有這個指引但是指引的方向都只是一個目標性有沒有可能有更具體的方向而這個方向能夠讓金融機構跟他的所謂往來的企業能夠有一個更合理的方式而不是說指引只是一種感覺\n\n06:35.185 --> 06:48.669\n沒有錯,未來對永續或綠色大家都非常的關注我們站在監理機關對這個東西也是非常的注意所以我們最近也有訂了一個規範我可以請我們的同仁處長來跟您回答好嗎?謝謝\n\n06:55.631 --> 07:20.022\n委員跟您報告我們這個針對金融業的房票率的指引部分是針對金融業對外宣稱的時候那他可能有一些注意的事項那至於說像譬如說銀行他假設要就是接受他的客戶的時候其實他們會做相關的淨值治理那譬如說像現在有些銀行會發綠色的授信或者是永續連結貸款那其實我們都有要求他們要遵守國際上面有一個\n\n07:20.522 --> 07:20.683\n﹑林楚茵\n\n07:31.038 --> 07:53.537\n主席我只最後一句話就是我希望這些規範是能夠符合國際上面的規章跟需求好嗎那其他更詳細的資料再請金管會提供給我辦公室好的謝謝可以沒有問題謝謝謝謝林楚茵委員接著我們請鄭天才委員鄭天才鄭天才鄭天才不在邱志偉委員邱志偉邱志偉\n\n","segments":[{"start":2.507,"end":24.529,"text":"謝謝主席,主席有請彭主委請彭主委主委好你好,主委好我知道今天才第二天上任如果等一下本席所詢問的一些事情那麼您在業務的部分還沒有完全熟悉的話可以讓其他出席的我們包括其他的局處的首長來協助非常謝謝"},{"start":26.451,"end":53.121,"text":"那麼我想其實這個金管會對於金融秩序的監理過去其實一直都是非常重要的那我其實比較關注的當然今天我就來先講銀行這個貸款的部分前面其實也有聽到一些委員在關心當然就是有關於這個我們融資公司到底要不要納作金管會來管理但是最近許多的新聞事件頻傳啦銀行利用應該是說民眾"},{"start":55.222,"end":79.877,"text":"或者是法人用不動產來跟銀行借款的時候為什麼會出現超貸的情況那麼像這些東西都是不勝美舉包括是不是因為原因就出在求援兼裁判因為今天時間有限我就只是把這些新聞的標題拿出來我不多做細數但是會不會其實銀行的貸款它就是有關係你就安心貸如果沒關係就好難貸"},{"start":81.118,"end":109.395,"text":"我們其實都會發現說如果今天我拿你的資產去貸款的時候有人老屋可以可能五十年以上的老屋可以貸個八成以上甚至於九成還可以貸到裝潢費有些人呢他甚至於是即使房子在那裡同樣的條件他會貸不出來甚至於加上他的年紀如果不符合銀行的潛規則比如七五八五"},{"start":110.418,"end":137.83,"text":"他連貸的能力都沒有那麼這個會不會是一種所謂求援兼裁判也就是銀行自己決定了今天來貸的人到底他的關係如何那我想請問的就是如何我們讓一般真的他本身就有貸款能力的人不要進入到所謂的融資公司進入吸血的地獄我不知道主委知不知道其實內政委員會今天在審查的有一個法案是叫做"},{"start":138.57,"end":148.3,"text":"不動產估價施法的修正今天這個剛剛可能已經會議結束但今天抱歉抱歉沒有掌握到好沒有問題來看下一張就是我希望主委能夠關注這個事情就是我們都知道銀行在做融資的過程當中對於不動產他會有一些房屋條件的估價"},{"start":163.274,"end":189.31,"text":"但是如果你要避免有人因為有關係就安心貸沒關係就好難貸最後只好去找這個融資公司進入吸血地獄那麼是不是在這樣的審核過程當中銀行的審核必須要有所謂關鍵的第三人來確保受信的品質這個其實我在這裡其實已經過去的四年我不止一次的呼籲就是希望"},{"start":189.85,"end":192.953,"text":"金管會要重視這個部分幫我回到第一頁前面有人有關係借的到老一屋還可以短期念三代然後銀行內部也常常出現內鬼來炸彈那這些狀況"},{"start":208.337,"end":223.79,"text":"是不是可以透過公正的第三方來做處理呢主委比如說讓銀行能夠有所謂不動產的估價師我會提到今天內政委員會的修法是因為希望透過修法讓不動產估價師的助理能夠有一個合理化的名份在那裡那麼銀行或是金融機構如果說"},{"start":236.203,"end":251.484,"text":"他沒有一個常駐的不動產估價師那麼至少可以有一個不動產估價師的助理那這個是不是一個解決銀行求援兼裁判要不超代被發現"},{"start":252.725,"end":275.621,"text":"要不呢就是沒關係好難帶或者是他的條件不夠好但是也許未來的規劃上面有機會還是扶有還款能力的時候他不要進入融資公司的受害者進入吸血地獄我知道主委你有點子王之稱啦那某首題的提問有沒有可能評估或有沒有可能一個方向來做了解"},{"start":277.043,"end":301.728,"text":"委員您剛才說到的其實我覺得專業又透明的資訊絕對對交易安全是有很大的幫助那剛才也跟局長簡單討論一下未來我們可以來朝這個比如說一定金額以上我們看能不能跟這個比如說剛才講這些更公正客觀的這個資訊團體來做一個合作讓整個交易更趨近於公平"},{"start":302.188,"end":320.902,"text":"好因為本席在過去幾年的質詢當中喔常常銀行不論是公股、行庫或者是我們這些金融機構都說啊有我們都有我們都有自己的評估我們都很專業但是只要高層一通電話又或者是今天看到來"},{"start":322.54,"end":340.413,"text":"借款的這個單位或者是這個個人他有比較好的背景那可能就有機會被上下棋手那像這個部分我也希望主委能夠真的承諾就是讓真的客觀公正的第三方在一定的案子當中能夠讓這個資訊更透明"},{"start":342.054,"end":366.633,"text":"那最後一點時間我們來看下一張就是本席也非常關注就是有關於這個票率的部分新主委我們都知道主委ESG你也非常的重視那到底如何來防範票率呢我手頭上現在是知道金管會跟環境部正在針對金融機構防範票率有出了一些指引但是我們都知道金融機構他到底有沒有辦法針對"},{"start":368.874,"end":392.539,"text":"來進行融資的單位他所融資的項目是真率還是假率又或者是表率那這個過程當中雖然有這個指引但是指引的方向都只是一個目標性有沒有可能有更具體的方向而這個方向能夠讓金融機構跟他的所謂往來的企業能夠有一個更合理的方式而不是說指引只是一種感覺"},{"start":395.185,"end":408.669,"text":"沒有錯,未來對永續或綠色大家都非常的關注我們站在監理機關對這個東西也是非常的注意所以我們最近也有訂了一個規範我可以請我們的同仁處長來跟您回答好嗎?謝謝"},{"start":415.631,"end":440.022,"text":"委員跟您報告我們這個針對金融業的房票率的指引部分是針對金融業對外宣稱的時候那他可能有一些注意的事項那至於說像譬如說銀行他假設要就是接受他的客戶的時候其實他們會做相關的淨值治理那譬如說像現在有些銀行會發綠色的授信或者是永續連結貸款那其實我們都有要求他們要遵守國際上面有一個"},{"start":440.522,"end":440.683,"text":"﹑林楚茵"},{"start":451.038,"end":473.537,"text":"主席我只最後一句話就是我希望這些規範是能夠符合國際上面的規章跟需求好嗎那其他更詳細的資料再請金管會提供給我辦公室好的謝謝可以沒有問題謝謝謝謝林楚茵委員接著我們請鄭天才委員鄭天才鄭天才鄭天才不在邱志偉委員邱志偉邱志偉"}]}}}}