{"id":153367,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/153367","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/bbbc431469b8aebaa9bed76d2adee67b4622ddde1e3527b9446d6a815e91374437e0100f850ec7665ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"林德福","委員發言時間":"09:18:00 - 09:29:18","影片長度":"00:11:18","會議時間":"2024-05-30T09:00:00+08:00","會議名稱":"立法院第11屆第1會期財政委員會第15次全體委員會議（事由：邀請財政部莊部長翠雲、金融監督管理委員會彭主任委員金隆率所屬相關單位就「如何精進ESG制度評鑑、永續報告書及公司治理評鑑制度，並導引金融機構落實放貸及貸後管理工作」進行專題報告，並備質詢。）","date":"2024-05-30","start_time":"2024-05-30T09:18:00+08:00","end_time":"2024-05-30T09:29:18+08:00","duration":678,"meet":{"tmpMeeting":null,"title":"第11屆第1會期財政委員會第15次全體委員會議","term":11,"type":"委員會","sessionPeriod":1,"sessionTimes":15,"committees":[20],"id":"委員會-11-1-20-15"},"features":["ai-transcript","gazette"],"type":"Clip","gazette":{"lineno":105,"blocks":[["林委員德福：（9時17分）謝謝主席，是不是請財政部莊部長。"],["主席：有請莊部長。"],["林委員德福：還有金管會的彭主委。"],["主席：有請彭主委。"],["莊部長翠雲：委員好。"],["林委員德福：部長、主委你好，首先請問彭主委，美債殖利率飆升，美股大盤欲振乏力，道瓊收黑410點，收盤創5月份以來的最低點，反觀從4月19號，我們整個臺股大盤從低點的1萬9,291點，一直拉到最近大盤已經漲了兩千六百多點，我請問主委，你認為臺股最近的表現是不是和美股脫鈎？你的看法。"],["彭主任委員金隆：謝謝委員，身為證券市場的主管機關，我們關注的是整個市場的制度，當然臺股站在全球股市仍會受到美國股市及國際情勢的影響……"],["林委員德福：那有沒有脫鈎，你認為呢？"],["彭主任委員金隆：其實臺灣有自己的基本面，當然也會受到影響。"],["林委員德福：所以不會美股上我們就上，美股下我們就下，是不是？因為這次剛好整個倒著走啊，是不是這樣子，你的看法呢？"],["彭主任委員金隆：當然我們關注的是整個制度面會不會影響到我們市場的安定，但是所有國際上面的因素應該都對臺股有影響。"],["林委員德福：因為臺股處在高檔，目前你認為持續樂觀還是要居高思危呢？"],["彭主任委員金隆：跟委員報告，其實我覺得股票市場短期會受到消息面的影響，長期還是會回到基本面，我們看國發會的景氣對策信號，今年4月是在2022年3月以後第一次轉為黃紅燈，也是顯現我們的經濟景氣是審慎樂觀。"],["林委員德福：所以你還是非常的看好？"],["彭主任委員金隆：審慎樂觀。"],["林委員德福：我再請教，中信金和新光金合併的傳言四起，你擔任金管會主委，你有什麼看法？"],["彭主任委員金隆：市場上有關合併的案子都是市場上的一些傳言，我想金管會身為金融市場的主管機關，一定會密切關注所有的動向，但是對於傳聞案例，金管會無法評論，謝謝。"],["林委員德福：好，那我請教，要是金控合併對整個金融圈到底有什麼影響？"],["彭主任委員金隆：金控的整併牽涉到市場競爭以及市場安定，除了金管會還有所謂的市場競爭、公平會還有市場結合的議題，我想它的層面非常複雜。"],["林委員德福：這樣喔！主委，因為陳主計長昨天備詢時說，目前整個情況持續看好，今年經濟成長率至少可以達到3.5%，美國道瓊走勢或許是反映居高思危，我請問主委，你認為臺股屢創新高，我們到底要如何提醒投資大眾必須居高思危，把臺股看成是已經預先反應未來經濟走勢，還是國內整個經濟情勢反彈還不到高點？"],["彭主任委員金隆：謝謝委員，我剛剛跟您報告過，金管會對未來大盤不做預測，但是我們還是要提醒所有投資人注意風險，審慎選股。"],["林委員德福：注意風險，那你認為我們整個臺股大盤未來還有沒有機會再創新高？"],["彭主任委員金隆：跟委員報告，我剛剛講的，金管會對未來不做任何的預期，謝謝。"],["林委員德福：這樣喔！好。部長，為了避免租賃公司放款給年輕小白導致債臺高築，甚至於子債父償，媒體報導財政部已經號令八大行庫強化貸後的管理，據金融業者透露，有些行庫已經研擬訂定具有懲罰機制的提前到期條款，以杜絕管理漏洞。請問部長，是不是有要求業者研擬制式化的流程或作法，有沒有？"],["莊部長翠雲：跟委員報告，有關融資租賃業一些貸放上的社會關注，本部在3月28號例行的公股金融事業研討會裡面有提醒公股銀行要衡酌融資租賃業的營運特性，精進徵授信以及貸後管理的措施，並沒有叫公股銀行……而且就我們瞭解，公股銀行也沒有以下作為，譬如要簽承諾書，或者是保證資金不可以去做先買後付，以及如果違反承諾就要全部收回貸款等等，並沒有做這樣的事情。"],["林委員德福：沒有喔？"],["莊部長翠雲：對。"],["林委員德福：因為據媒體報導的內容，由金融業者要求簽署切結書，具結所獲得的資金不會流向先買後付業者，接著查核資金的用途是否和原申貸計畫相符，若不相符，銀行將提前收回一部分，甚至於全部收回資金。請問你認為這樣的方式是不是貸後管理的有效作法？"],["莊部長翠雲：跟委員報告，財政部在3月28號提醒公股行庫要注意融資租賃業的營運特性，但是並沒有要求公股金融事業如同剛剛委員所說的，要寫切結書、承諾書或提前收回這些，並沒有做這樣的一個具體要求，公股金融事業對於相關資金的貸後管理是本來都要做的，也就是當時貸放給他做什麼用途，他是不是有按照這樣的計畫使用；同時我們也知道臺北市租賃業公會已經對於所謂的先買後付以及車輛交易的業務訂立一個自律規範，包含外界重視的利率揭露，以及遲延利息和違約金不可以併收等等，以及對合作商家的管理、對消費者徵授信的機制，還有個人資料的保護，這個部分既然公會訂了相關的自律規範，我們也會促請公股銀行在辦理徵授信業務的時候，要把這個自律規範一併納來做審酌，落實金融事業的監理工作……"],["林委員德福：你認為公會這樣的要求，在執行上會不會有困難度？"],["莊部長翠雲：這個部分，我想租賃商業同業公會既然已經訂了這個自律規範，我們認為他們就是應該要這樣子去做，然後我們公股金融事業在授信的時候，也要去注意他們的借款戶有沒有合乎這個自律規範。"],["林委員德福：對於金融業者貸放後必須強化貸後的管理，來追查資金的流向，以避免貸放金額流入先買後付的業務。媒體報導，合庫金控董事長表示，應該要由銀行公會來訂定一致性的規範，也就是公民營銀行都應該受到規範約束，才能夠解決金流破口的問題。我請問部長，貸後整個管理的做法是由銀行公會統一、一致性來規範、來約束公民營銀行的提議，你認為是不是比較理想，還是你認為金管會應該要進一步主導貸後管理規範的必要？"],["莊部長翠雲：我想這個涉及到金管會的權責，我們尊重金管會的看法。"],["林委員德福：彭主委，你有什麼看法？"],["彭主任委員金隆：有關全體銀行，比如說貸後管理的部分，我想這一項就是我們金管會會注意的項目，至於剛剛委員提到的這部分，我們會再請銀行公會來研議。"],["林委員德福：因為現在等於都是由公會來主導，對不對？關於公會主導，要是公民營銀行有一致性，金管會跟財政部認同，他們一定會這樣去做，你認為這樣妥當嗎？請主委。"],["彭主任委員金隆：這個攸關全體銀行的貸放作業，這部分我們會通盤來考量。"],["林委員德福：對啊！你要好好的研擬，好不好？","根據財政部統計，截至今年1月底，八家公股銀行對融資租賃業貸款餘額合計1,359億餘元，請問主委，金管會到底有沒有民營銀行行庫對融資租貸業或貸款餘額的統計數字，有沒有？"],["彭主任委員金隆：委員如果允許，我可不可以請銀行局局長跟您回復？謝謝。"],["林委員德福：可以啊！"],["莊局長琇媛：報告委員，我們是有個別去統計各個銀行對於融資公司的放款。"],["林委員德福：公立的你知道，那私立的你知不知道到底有多少？"],["莊局長琇媛：我們也有在調查。"],["林委員德福：只有調查而已，但你到目前沒有數字，是不是？"],["莊局長琇媛：我們其實是有數字。"],["林委員德福：那你可不可以公布啊？才可以讓大家瞭解公私銀行貸款給這些租賃業者到底加總起來一共有多少。"],["莊局長琇媛：個別金融機構的數字我們當然不太方便……"],["林委員德福：總數你總有吧？"],["莊局長琇媛：總體的數字我們是可以說……"],["林委員德福：可以的話，你現在講出來啊！"],["莊局長琇媛：大概是3,000億左右。"],["林委員德福：私有銀行貸3,000億，公有的是1,359億？"],["莊局長琇媛：那是所有的銀行。"],["林委員德福：所以公私立加起來3,000億左右？"],["莊局長琇媛：對。"],["林委員德福：其實財委會安排這個議程，主要是希望透過銀行公會，甚至於針對貸後管理制定一個比較好的規範，也比較適合，主委，你認為由金管會訂定比較合適，還是你認為由現在這些公會他們來制定比較適當？"],["彭主任委員金隆：我們會循過去的往例來處理這個問題，大概還是先由公會來做相關的規範。"],["林委員德福：我是希望你們在這方面要予以重視，謝謝。"],["主席：謝謝林德福委員的質詢。接著我們請吳秉叡委員質詢。"]],"agenda":{"page_end":274,"meet_id":"委員會-11-1-20-15","speakers":["郭國文","林德福","吳秉叡","賴士葆","王鴻薇","顏寬恒","賴惠員","李坤城","李彥秀","黃珊珊","伍麗華Saidhai‧Tahovecahe","王世堅","羅明才","陳玉珍","黃國昌","鍾佳濱","林楚茵","邱志偉","張智倫","楊瓊瓔","蔡易餘"],"page_start":209,"meetingDate":["2024-05-30"],"gazette_id":"1135401","agenda_lcidc_ids":["1135401_00009"],"meet_name":"立法院第11屆第1會期財政委員會第15次全體委員會議紀錄","content":"邀請財政部莊部長翠雲、金融監督管理委員會彭主任委員金隆率所屬相關單位就「如何精進 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{\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"林\", \"start\": 663.136, \"end\": 663.156, \"score\": 0.0}, {\"word\": \"德\", \"start\": 663.156, \"end\": 663.276, \"score\": 0.833}, {\"word\": \"福\", \"start\": 663.276, \"end\": 663.416, \"score\": 0.857}, {\"word\": \"的\", \"start\": 663.416, \"end\": 664.517, \"score\": 0.974}, {\"word\": \"質\"}, {\"word\": \"詢\"}, {\"word\": \"現\"}, {\"word\": \"在\", \"start\": 664.517, \"end\": 664.658, \"score\": 0.857}, {\"word\": \"我\", \"start\": 664.658, \"end\": 664.758, \"score\": 0.8}, {\"word\": \"們\"}, {\"word\": \"請\"}, {\"word\": \"吳\"}, {\"word\": \"秉\"}, {\"word\": \"樂\"}, {\"word\": \"委\", \"start\": 664.758, \"end\": 664.778, \"score\": 0.0}, {\"word\": \"員\"}, {\"word\": \"質\"}, {\"word\": \"詢\"}], \"language\": \"en\"}","srt":"1\n00:00:00,750 --> 00:00:15,105\n有 請 彭 主 委 委 員 好 部 長 還 有 主 委 你 好 我 首 先 請 彭 主 委 主 委\n\n2\n00:00:16,826 --> 00:00:24,673\n我 想 這 個 美 債 殖 利 率 飆 升 美 股 大 盤 預 證 華 麗 那 到 從 收 黑 到 4 1 0 點 收 盤 創 五 月 份 以 來 的 最 低 點 反 觀 從 4 月 1 9 號 我 們 整 個 台 股 大 盤 最 近 從 低 點 的 1 9 2 9 1\n\n3\n00:00:40,788 --> 00:00:43,713\n請 問 主 委 , 你 認 為 台 股 最 近 的 表 現 是 不 是 和 美 股 脫 鉤 ?\n\n4\n00:00:56,183 --> 00:01:18,858\n謝 謝 委 員 因 為 身 為 這 個 政 經 市 場 主 管 機 關 我 們 關 注 的 是 整 個 市 場 的 所 謂 的 制 度 當 然 台 股 在 全 球 的 股 市 當 然 會 受 到 美 國 股 市 及 國 際 情 勢 的 影 響 那 有 沒 有 脫 鉤 嗎 ? 你 認 為 呢 ? 其 實 台 灣 有 自 己 的 基 本 面 當 然 也 會 受 到 影 響 所 以 說 就 是\n\n5\n00:01:20,879 --> 00:01:25,784\n當 然 我 們 關 注 的 是 整 個 制 度 面 會 不 會 有 影 響 到 我 們 市 場 的 安 定 但 是 所 有 的 國 際 上 面 的 因 素 應 該 都 對 台 股 會 有 影 響\n\n6\n00:01:44,114 --> 00:02:08,299\n主 委 , 台 股 處 在 高 檔 , 目 前 你 認 為 持 續 樂 觀 還 是 要 居 高 思 維 ? 跟 委 員 報 告 , 其 實 我 覺 得 股 票 市 場 短 期 會 受 到 消 息 面 影 響 , 長 期 還 是 會 回 到 基 本 面 。 我 們 看 國 發 會 的 景 氣 對 策 訊 號 , 我 們 4 月 是 在 2 0 2 2 年 3 月 以 後 第 一 次 轉 為 黃 紅 燈 , 也 是 顯 現 我 們 的 經 濟 情 緒 是 審 慎 樂 觀 。\n\n7\n00:02:12,680 --> 00:02:15,382\n中 信 金 和 星 光 金 整 個 合 併 傳 言 四 起 , 金 管 會 與 你 擔 任 主 委 你 有 什 麼 看 法 ?\n\n8\n00:02:29,552 --> 00:02:49,198\n市 場 上 面 有 關 合 併 的 案 子 都 是 市 場 上 面 的 一 些 的 傳 言 我 想 金 管 會 身 為 金 融 市 場 的 主 管 機 關 一 定 會 密 切 關 注 所 有 的 動 向 但 是 對 於 傳 聞 的 案 例 金 管 會 無 法 評 論 謝 謝 好 那 我 請 教 要 是 金 控 合 併 對 整 個 金 融 圈 到 底 有 什 麼 影 響\n\n9\n00:02:50,612 --> 00:02:52,032\n主 委 因 為 我 們 主 記 長 陳 主 記 長 昨 天 被 訓 示 說 目 前 整 個 情 況 持 續 是 看 好\n\n10\n00:03:15,247 --> 00:03:15,307\n主 席\n\n11\n00:03:32,301 --> 00:03:43,372\n我 們 要 如 何 去 提 醒 投 資 大 眾 把 台 股 看 成 是 已 經 預 先 反 映 未 來 整 個 經 濟 走 勢 必 須 居 高 思 維 還 是 整 個 國 內 整 個 經 濟 情 勢 緩 談 還 不 到 高 點\n\n12\n00:03:47,697 --> 00:03:47,857\n財 政 部 長\n\n13\n00:04:12,248 --> 00:04:33,399\n我 想 為 了 避 免 租 賃 公 司 換 款 給 年 輕 小 白 ． 以 導 致 出 現 債 台 高 逐 甚 至 於 紙 債 負 償 媒 體 報 導 財 政 部 已 經 號 令 八 大 行 庫 強 化 貸 後 的 管 理 據 金 融 業 者 透 露 有 些 行 庫 已 經\n\n14\n00:04:34,460 --> 00:04:37,102\n跟 委 員 報 告 有 關 融 資 助 令 業 的 一 些 帶 放 上 的 社 會 的 一 個 關 注\n\n15\n00:05:00,014 --> 00:05:27,241\n那 本 部 是 在 3 月 2 8 號 例 行 的 公 股 金 融 事 業 研 討 會 裡 面 有 提 醒 我 們 的 公 股 銀 行 要 橫 著 租 賃 業 融 資 租 賃 業 的 一 個 營 運 特 性 然 後 精 進 徵 售 性 以 及 貸 貨 管 理 的 一 些 措 施 那 至 於 並 沒 有 叫 公 股 銀 行 而 且 就 我 們 了 解 公 股 銀 行 也 沒 有 做 下 面 比 如 說 要 簽 承 諾 書 啦 或 者 是 說 保 證 資 金 不 可 以 去 做 先 買 後 付 以 及 如 果 違 反 承 諾 就 要 全 部 收 回 貸 款\n\n16\n00:05:28,061 --> 00:05:30,645\n因 為 媒 體 報 導 的 做 法 內 容 是 由 金 融 業 者 要 求 簽 署 確 決 書 拒 絕 所 獲 得 的 資 金 不 會 流 向 先 買 後 戶 業 者\n\n17\n00:05:43,542 --> 00:06:02,151\n接 著 查 核 資 金 的 用 途 是 我 和 原 申 請 、 申 貸 的 計 劃 有 沒 有 相 符 若 不 相 符 那 整 個 銀 行 將 提 前 收 回 一 部 分 甚 至 於 全 部 收 回 資 金 那 請 問 你 認 為 這 樣 的 一 個 方 式 是 不 是 有 效 的 貸 後 管 理 的 做 法\n\n18\n00:06:03,031 --> 00:06:14,342\n跟 委 員 報 告 財 政 部 是 在 3 月 2 8 號 提 醒 我 們 的 供 股 航 空 要 注 意 融 資 駐 另 業 的 一 個 營 運 特 性 但 是 並 沒 有 要 求 供 股 金 融 事 業 要 求 如 同 剛 剛 委 員 所 說 的 要 寫 所 謂 的 切 結 書 、 承 諾 書 或 提 前 收 回 這 些\n\n19\n00:06:17,438 --> 00:06:38,540\n並 沒 有 做 這 樣 的 一 個 具 體 的 這 樣 的 要 求 那 公 股 金 融 事 業 對 於 相 關 資 金 的 貸 後 管 理 是 本 來 就 要 都 要 在 做 的 也 就 是 我 剛 才 貸 放 給 你 是 做 什 麼 樣 的 用 途 那 你 是 不 是 有 按 照 這 個 樣 計 畫 使 用 同 時 我 們 也 知 道 臺 北 市 租 賃 業 的 工 會 已 經 對 於 所 謂 的 先 買 後 付 以 及 車 輛 交 易 的 業 務 也 訂 立 一 個 自 律 規 範\n\n20\n00:06:39,361 --> 00:06:39,561\n那 我 請 教\n\n21\n00:07:05,796 --> 00:07:27,382\n你 認 為 工 會 這 樣 的 要 求 執 行 上 會 不 會 有 困 難 度 啊 這 個 部 分 呢 我 想 在 工 會 竟 然 已 經 有 註 定 商 業 同 業 工 會 竟 然 已 經 訂 了 這 個 自 律 規 範 那 我 們 認 為 這 個 就 是 應 該 要 他 們 要 去 做 這 樣 子 然 後 我 們 公 股 金 融 事 業 在 受 信 的 時 候 也 要 去 注 意 他 們 的 借 款 戶 有 沒 有 合 乎 這 個 自 律 規 範\n\n22\n00:07:29,363 --> 00:07:49,644\n對 於 金 融 業 者 貸 放 後 必 須 強 化 貸 後 的 管 理 來 追 查 資 金 的 流 向 以 避 免 貸 放 金 額 流 入 先 買 後 戶 的 業 務 那 媒 體 報 導 和 庫 金 控 董 事 長 表 示 應 該 要 由 銀 行 公 會 來 訂 定 一 致 性 的 規 範 也 就 是 公 民 銀 行\n\n23\n00:07:51,286 --> 00:08:00,353\n都 應 該 要 受 到 規 範 約 束 才 能 解 決 金 流 破 口 的 問 題 那 我 請 問 部 長 貸 後 的 整 個 管 理\n\n24\n00:08:02,165 --> 00:08:25,237\n做 法 是 由 銀 行 公 會 統 一 一 致 性 來 規 範 來 約 束 公 民 銀 行 的 提 議 你 認 為 是 不 是 比 較 理 想 還 是 你 認 為 金 管 會 應 該 要 有 進 一 步 主 導 貸 後 管 理 規 範 的 必 要 我 想 這 個 涉 及 到 金 管 會 的 權 責 我 們 尊 重 金 管 會 的 一 個 看 法 彭 主 委 那 你 有 什 麼 看 法\n\n25\n00:08:26,084 --> 00:08:26,624\n因 為 你 等 於 是 現 在 都 是 由 工 會 來 主 導 嗎 ?\n\n26\n00:08:42,043 --> 00:08:54,299\n對 不 對 那 你 要 是 當 然 公 會 主 導 要 是 公 民 銀 行 一 致 信 那 金 管 會 跟 財 政 部 認 同 他 們 一 定 會 這 樣 去 做 那 你 認 為 這 樣 妥 當 嗎 那 個 主 委\n\n27\n00:08:58,189 --> 00:09:00,931\n根 據 財 政 部 統 計 , 截 至 今 年 一 月 底 , 八 家 公 股 銀 行 對 融 資 租 賃 業 貸 款 餘 額 合 計 1 3 5 9 億 元 。\n\n28\n00:09:20,326 --> 00:09:33,796\n請 問 主 委 金 管 會 到 底 有 沒 有 民 營 銀 行 、 行 庫 對 這 個 融 資 、 租 貸 業 或 貸 款 餘 額 的 統 計 數 字 有 沒 有 委 員 如 果 允 許 我 可 不 可 以 請 銀 行 局 局 長 跟 您 回 覆 可 以 啊 謝 謝\n\n29\n00:09:38,506 --> 00:10:06,909\n報 告 委 員 我 們 是 有 個 別 去 統 計 就 是 各 個 銀 行 對 於 融 資 公 司 的 放 款 那 你 公 立 製 造 那 私 立 的 你 知 不 知 道 到 底 有 多 少 我 們 也 有 在 調 查 只 有 調 查 而 已 你 到 目 前 沒 有 數 字 嘛 是 不 是 我 們 其 實 是 有 數 字 有 數 字 那 你 可 不 可 以 公 布 啊 因 為 才 讓 大 家 了 解 說 到 底 公 司 銀 行 貸 款 給 這 些 租 賃 業 者 到 底 一 共 有 加 起 來 有 加 總 有 多 少\n\n30\n00:10:07,409 --> 00:10:20,737\n我 們 就 是 個 別 金 融 機 構 的 數 字 我 們 大 概 不 太 方 便 總 數 你 總 有 吧 對 總 體 的 數 字 我 們 是 可 以 那 可 以 你 現 在 講 啊 大 概 是 3 0 0 0 億 左 右 3 0 0 0 億 對 啊 私 有 的 銀 行 貸 3 0 0 0 億 那 公 有 的 是 1 3 5 9 所 有 的 銀 行 公 私 利 加 起 來 3 0 0 0 億 左 右\n\n31\n00:10:29,643 --> 00:10:52,382\n因 為 其 實 財 委 會 會 排 這 個 主 要 當 然 我 們 是 希 望 說 透 過 這 個 由 銀 行 公 會 甚 至 於 制 定 貸 後 管 理 比 較 好 的 一 個 規 範 這 個 也 比 較 適 合 那 由 金 管 會 訂 定 你 認 為 是 比 較 合 適 還 是 那 個 主 委 還 是 認 為 由 現 在 這 些 公 會 他 們 來 制 定 比 較 適 當\n\n32\n00:10:53,863 --> 00:11:04,778\n我 想 過 去 我 們 會 循 過 去 的 往 例 來 處 理 這 個 問 題 當 然 還 是 先 由 工 會 來 做 相 關 的 規 範 我 是 希 望 你 們 在 這 方 面 要 去 重 視 謝 謝 謝 謝 林 德 福 的 質 詢 現 在 我 們 請 吳 秉 樂 委 員 質 詢\n\n","tsv":"start\tend\ttext\n750\t15105\t有請彭主委委員好部長還有主委你好我首先請彭主委主委\n16826\t24673\t我想這個美債殖利率飆升美股大盤預證華麗那到從收黑到410點收盤創五月份以來的最低點反觀從4月19號我們整個台股大盤最近從低點的19291\n40788\t43713\t請問主委,你認為台股最近的表現是不是和美股脫鉤?\n56183\t78858\t謝謝委員因為身為這個政經市場主管機關我們關注的是整個市場的所謂的制度當然台股在全球的股市當然會受到美國股市及國際情勢的影響那有沒有脫鉤嗎?你認為呢?其實台灣有自己的基本面當然也會受到影響所以說就是\n80879\t85784\t當然我們關注的是整個制度面會不會有影響到我們市場的安定但是所有的國際上面的因素應該都對台股會有影響\n104114\t128299\t主委,台股處在高檔,目前你認為持續樂觀還是要居高思維?跟委員報告,其實我覺得股票市場短期會受到消息面影響,長期還是會回到基本面。我們看國發會的景氣對策訊號,我們4月是在2022年3月以後第一次轉為黃紅燈,也是顯現我們的經濟情緒是審慎樂觀。\n132680\t135382\t中信金和星光金整個合併傳言四起,金管會與你擔任主委你有什麼看法?\n149552\t169198\t市場上面有關合併的案子都是市場上面的一些的傳言我想金管會身為金融市場的主管機關一定會密切關注所有的動向但是對於傳聞的案例金管會無法評論謝謝好那我請教要是金控合併對整個金融圈到底有什麼影響\n170612\t172032\t主委因為我們主記長陳主記長昨天被訓示說目前整個情況持續是看好\n195247\t195307\t主席\n212301\t223372\t我們要如何去提醒投資大眾把台股看成是已經預先反映未來整個經濟走勢必須居高思維還是整個國內整個經濟情勢緩談還不到高點\n227697\t227857\t財政部長\n252248\t273399\t我想為了避免租賃公司換款給年輕小白．以導致出現債台高逐甚至於紙債負償媒體報導財政部已經號令八大行庫強化貸後的管理據金融業者透露有些行庫已經\n274460\t277102\t跟委員報告有關融資助令業的一些帶放上的社會的一個關注\n300014\t327241\t那本部是在3月28號例行的公股金融事業研討會裡面有提醒我們的公股銀行要橫著租賃業融資租賃業的一個營運特性然後精進徵售性以及貸貨管理的一些措施那至於並沒有叫公股銀行而且就我們了解公股銀行也沒有做下面比如說要簽承諾書啦或者是說保證資金不可以去做先買後付以及如果違反承諾就要全部收回貸款\n328061\t330645\t因為媒體報導的做法內容是由金融業者要求簽署確決書拒絕所獲得的資金不會流向先買後戶業者\n343542\t362151\t接著查核資金的用途是我和原申請、申貸的計劃有沒有相符若不相符那整個銀行將提前收回一部分甚至於全部收回資金那請問你認為這樣的一個方式是不是有效的貸後管理的做法\n363031\t374342\t跟委員報告財政部是在3月28號提醒我們的供股航空要注意融資駐另業的一個營運特性但是並沒有要求供股金融事業要求如同剛剛委員所說的要寫所謂的切結書、承諾書或提前收回這些\n377438\t398540\t並沒有做這樣的一個具體的這樣的要求那公股金融事業對於相關資金的貸後管理是本來就要都要在做的也就是我剛才貸放給你是做什麼樣的用途那你是不是有按照這個樣計畫使用同時我們也知道臺北市租賃業的工會已經對於所謂的先買後付以及車輛交易的業務也訂立一個自律規範\n399361\t399561\t那我請教\n425796\t447382\t你認為工會這樣的要求執行上會不會有困難度啊這個部分呢我想在工會竟然已經有註定商業同業工會竟然已經訂了這個自律規範那我們認為這個就是應該要他們要去做這樣子然後我們公股金融事業在受信的時候也要去注意他們的借款戶有沒有合乎這個自律規範\n449363\t469644\t對於金融業者貸放後必須強化貸後的管理來追查資金的流向以避免貸放金額流入先買後戶的業務那媒體報導和庫金控董事長表示應該要由銀行公會來訂定一致性的規範也就是公民銀行\n471286\t480353\t都應該要受到規範約束才能解決金流破口的問題那我請問部長貸後的整個管理\n482165\t505237\t做法是由銀行公會統一一致性來規範來約束公民銀行的提議你認為是不是比較理想還是你認為金管會應該要有進一步主導貸後管理規範的必要我想這個涉及到金管會的權責我們尊重金管會的一個看法彭主委那你有什麼看法\n506084\t506624\t因為你等於是現在都是由工會來主導嗎?\n522043\t534299\t對不對那你要是當然公會主導要是公民銀行一致信那金管會跟財政部認同他們一定會這樣去做那你認為這樣妥當嗎 那個主委\n538189\t540931\t根據財政部統計,截至今年一月底,八家公股銀行對融資租賃業貸款餘額合計1359億元。\n560326\t573796\t請問主委金管會到底有沒有民營銀行、行庫對這個融資、租貸業或貸款餘額的統計數字有沒有委員如果允許我可不可以請銀行局局長跟您回覆可以啊謝謝\n578506\t606909\t報告委員我們是有個別去統計就是各個銀行對於融資公司的放款那你公立製造那私立的你知不知道到底有多少我們也有在調查只有調查而已你到目前沒有數字嘛是不是我們其實是有數字有數字那你可不可以公布啊因為才讓大家了解說到底公司銀行貸款給這些租賃業者到底一共有加起來有加總有多少\n607409\t620737\t我們就是個別金融機構的數字我們大概不太方便總數你總有吧對總體的數字我們是可以那可以你現在講啊大概是3000億左右3000億對啊私有的銀行貸3000億那公有的是1359所有的銀行公私利加起來3000億左右\n629643\t652382\t因為其實財委會會排這個主要當然我們是希望說透過這個由銀行公會甚至於制定貸後管理比較好的一個規範這個也比較適合那由金管會訂定你認為是比較合適還是那個主委還是認為由現在這些公會他們來制定比較適當\n653863\t664778\t我想過去我們會循過去的往例來處理這個問題當然還是先由工會來做相關的規範我是希望你們在這方面要去重視謝謝謝謝林德福的質詢現在我們請吳秉樂委員質詢\n","txt":"有請彭主委委員好部長還有主委你好我首先請彭主委主委\n我想這個美債殖利率飆升美股大盤預證華麗那到從收黑到410點收盤創五月份以來的最低點反觀從4月19號我們整個台股大盤最近從低點的19291\n請問主委,你認為台股最近的表現是不是和美股脫鉤?\n謝謝委員因為身為這個政經市場主管機關我們關注的是整個市場的所謂的制度當然台股在全球的股市當然會受到美國股市及國際情勢的影響那有沒有脫鉤嗎?你認為呢?其實台灣有自己的基本面當然也會受到影響所以說就是\n當然我們關注的是整個制度面會不會有影響到我們市場的安定但是所有的國際上面的因素應該都對台股會有影響\n主委,台股處在高檔,目前你認為持續樂觀還是要居高思維?跟委員報告,其實我覺得股票市場短期會受到消息面影響,長期還是會回到基本面。我們看國發會的景氣對策訊號,我們4月是在2022年3月以後第一次轉為黃紅燈,也是顯現我們的經濟情緒是審慎樂觀。\n中信金和星光金整個合併傳言四起,金管會與你擔任主委你有什麼看法?\n市場上面有關合併的案子都是市場上面的一些的傳言我想金管會身為金融市場的主管機關一定會密切關注所有的動向但是對於傳聞的案例金管會無法評論謝謝好那我請教要是金控合併對整個金融圈到底有什麼影響\n主委因為我們主記長陳主記長昨天被訓示說目前整個情況持續是看好\n主席\n我們要如何去提醒投資大眾把台股看成是已經預先反映未來整個經濟走勢必須居高思維還是整個國內整個經濟情勢緩談還不到高點\n財政部長\n我想為了避免租賃公司換款給年輕小白．以導致出現債台高逐甚至於紙債負償媒體報導財政部已經號令八大行庫強化貸後的管理據金融業者透露有些行庫已經\n跟委員報告有關融資助令業的一些帶放上的社會的一個關注\n那本部是在3月28號例行的公股金融事業研討會裡面有提醒我們的公股銀行要橫著租賃業融資租賃業的一個營運特性然後精進徵售性以及貸貨管理的一些措施那至於並沒有叫公股銀行而且就我們了解公股銀行也沒有做下面比如說要簽承諾書啦或者是說保證資金不可以去做先買後付以及如果違反承諾就要全部收回貸款\n因為媒體報導的做法內容是由金融業者要求簽署確決書拒絕所獲得的資金不會流向先買後戶業者\n接著查核資金的用途是我和原申請、申貸的計劃有沒有相符若不相符那整個銀行將提前收回一部分甚至於全部收回資金那請問你認為這樣的一個方式是不是有效的貸後管理的做法\n跟委員報告財政部是在3月28號提醒我們的供股航空要注意融資駐另業的一個營運特性但是並沒有要求供股金融事業要求如同剛剛委員所說的要寫所謂的切結書、承諾書或提前收回這些\n並沒有做這樣的一個具體的這樣的要求那公股金融事業對於相關資金的貸後管理是本來就要都要在做的也就是我剛才貸放給你是做什麼樣的用途那你是不是有按照這個樣計畫使用同時我們也知道臺北市租賃業的工會已經對於所謂的先買後付以及車輛交易的業務也訂立一個自律規範\n那我請教\n你認為工會這樣的要求執行上會不會有困難度啊這個部分呢我想在工會竟然已經有註定商業同業工會竟然已經訂了這個自律規範那我們認為這個就是應該要他們要去做這樣子然後我們公股金融事業在受信的時候也要去注意他們的借款戶有沒有合乎這個自律規範\n對於金融業者貸放後必須強化貸後的管理來追查資金的流向以避免貸放金額流入先買後戶的業務那媒體報導和庫金控董事長表示應該要由銀行公會來訂定一致性的規範也就是公民銀行\n都應該要受到規範約束才能解決金流破口的問題那我請問部長貸後的整個管理\n做法是由銀行公會統一一致性來規範來約束公民銀行的提議你認為是不是比較理想還是你認為金管會應該要有進一步主導貸後管理規範的必要我想這個涉及到金管會的權責我們尊重金管會的一個看法彭主委那你有什麼看法\n因為你等於是現在都是由工會來主導嗎?\n對不對那你要是當然公會主導要是公民銀行一致信那金管會跟財政部認同他們一定會這樣去做那你認為這樣妥當嗎 那個主委\n根據財政部統計,截至今年一月底,八家公股銀行對融資租賃業貸款餘額合計1359億元。\n請問主委金管會到底有沒有民營銀行、行庫對這個融資、租貸業或貸款餘額的統計數字有沒有委員如果允許我可不可以請銀行局局長跟您回覆可以啊謝謝\n報告委員我們是有個別去統計就是各個銀行對於融資公司的放款那你公立製造那私立的你知不知道到底有多少我們也有在調查只有調查而已你到目前沒有數字嘛是不是我們其實是有數字有數字那你可不可以公布啊因為才讓大家了解說到底公司銀行貸款給這些租賃業者到底一共有加起來有加總有多少\n我們就是個別金融機構的數字我們大概不太方便總數你總有吧對總體的數字我們是可以那可以你現在講啊大概是3000億左右3000億對啊私有的銀行貸3000億那公有的是1359所有的銀行公私利加起來3000億左右\n因為其實財委會會排這個主要當然我們是希望說透過這個由銀行公會甚至於制定貸後管理比較好的一個規範這個也比較適合那由金管會訂定你認為是比較合適還是那個主委還是認為由現在這些公會他們來制定比較適當\n我想過去我們會循過去的往例來處理這個問題當然還是先由工會來做相關的規範我是希望你們在這方面要去重視謝謝謝謝林德福的質詢現在我們請吳秉樂委員質詢\n","vtt":"WEBVTT\n\n00:00.750 --> 00:15.105\n有 請 彭 主 委 委 員 好 部 長 還 有 主 委 你 好 我 首 先 請 彭 主 委 主 委\n\n00:16.826 --> 00:24.673\n我 想 這 個 美 債 殖 利 率 飆 升 美 股 大 盤 預 證 華 麗 那 到 從 收 黑 到 4 1 0 點 收 盤 創 五 月 份 以 來 的 最 低 點 反 觀 從 4 月 1 9 號 我 們 整 個 台 股 大 盤 最 近 從 低 點 的 1 9 2 9 1\n\n00:40.788 --> 00:43.713\n請 問 主 委 , 你 認 為 台 股 最 近 的 表 現 是 不 是 和 美 股 脫 鉤 ?\n\n00:56.183 --> 01:18.858\n謝 謝 委 員 因 為 身 為 這 個 政 經 市 場 主 管 機 關 我 們 關 注 的 是 整 個 市 場 的 所 謂 的 制 度 當 然 台 股 在 全 球 的 股 市 當 然 會 受 到 美 國 股 市 及 國 際 情 勢 的 影 響 那 有 沒 有 脫 鉤 嗎 ? 你 認 為 呢 ? 其 實 台 灣 有 自 己 的 基 本 面 當 然 也 會 受 到 影 響 所 以 說 就 是\n\n01:20.879 --> 01:25.784\n當 然 我 們 關 注 的 是 整 個 制 度 面 會 不 會 有 影 響 到 我 們 市 場 的 安 定 但 是 所 有 的 國 際 上 面 的 因 素 應 該 都 對 台 股 會 有 影 響\n\n01:44.114 --> 02:08.299\n主 委 , 台 股 處 在 高 檔 , 目 前 你 認 為 持 續 樂 觀 還 是 要 居 高 思 維 ? 跟 委 員 報 告 , 其 實 我 覺 得 股 票 市 場 短 期 會 受 到 消 息 面 影 響 , 長 期 還 是 會 回 到 基 本 面 。 我 們 看 國 發 會 的 景 氣 對 策 訊 號 , 我 們 4 月 是 在 2 0 2 2 年 3 月 以 後 第 一 次 轉 為 黃 紅 燈 , 也 是 顯 現 我 們 的 經 濟 情 緒 是 審 慎 樂 觀 。\n\n02:12.680 --> 02:15.382\n中 信 金 和 星 光 金 整 個 合 併 傳 言 四 起 , 金 管 會 與 你 擔 任 主 委 你 有 什 麼 看 法 ?\n\n02:29.552 --> 02:49.198\n市 場 上 面 有 關 合 併 的 案 子 都 是 市 場 上 面 的 一 些 的 傳 言 我 想 金 管 會 身 為 金 融 市 場 的 主 管 機 關 一 定 會 密 切 關 注 所 有 的 動 向 但 是 對 於 傳 聞 的 案 例 金 管 會 無 法 評 論 謝 謝 好 那 我 請 教 要 是 金 控 合 併 對 整 個 金 融 圈 到 底 有 什 麼 影 響\n\n02:50.612 --> 02:52.032\n主 委 因 為 我 們 主 記 長 陳 主 記 長 昨 天 被 訓 示 說 目 前 整 個 情 況 持 續 是 看 好\n\n03:15.247 --> 03:15.307\n主 席\n\n03:32.301 --> 03:43.372\n我 們 要 如 何 去 提 醒 投 資 大 眾 把 台 股 看 成 是 已 經 預 先 反 映 未 來 整 個 經 濟 走 勢 必 須 居 高 思 維 還 是 整 個 國 內 整 個 經 濟 情 勢 緩 談 還 不 到 高 點\n\n03:47.697 --> 03:47.857\n財 政 部 長\n\n04:12.248 --> 04:33.399\n我 想 為 了 避 免 租 賃 公 司 換 款 給 年 輕 小 白 ． 以 導 致 出 現 債 台 高 逐 甚 至 於 紙 債 負 償 媒 體 報 導 財 政 部 已 經 號 令 八 大 行 庫 強 化 貸 後 的 管 理 據 金 融 業 者 透 露 有 些 行 庫 已 經\n\n04:34.460 --> 04:37.102\n跟 委 員 報 告 有 關 融 資 助 令 業 的 一 些 帶 放 上 的 社 會 的 一 個 關 注\n\n05:00.014 --> 05:27.241\n那 本 部 是 在 3 月 2 8 號 例 行 的 公 股 金 融 事 業 研 討 會 裡 面 有 提 醒 我 們 的 公 股 銀 行 要 橫 著 租 賃 業 融 資 租 賃 業 的 一 個 營 運 特 性 然 後 精 進 徵 售 性 以 及 貸 貨 管 理 的 一 些 措 施 那 至 於 並 沒 有 叫 公 股 銀 行 而 且 就 我 們 了 解 公 股 銀 行 也 沒 有 做 下 面 比 如 說 要 簽 承 諾 書 啦 或 者 是 說 保 證 資 金 不 可 以 去 做 先 買 後 付 以 及 如 果 違 反 承 諾 就 要 全 部 收 回 貸 款\n\n05:28.061 --> 05:30.645\n因 為 媒 體 報 導 的 做 法 內 容 是 由 金 融 業 者 要 求 簽 署 確 決 書 拒 絕 所 獲 得 的 資 金 不 會 流 向 先 買 後 戶 業 者\n\n05:43.542 --> 06:02.151\n接 著 查 核 資 金 的 用 途 是 我 和 原 申 請 、 申 貸 的 計 劃 有 沒 有 相 符 若 不 相 符 那 整 個 銀 行 將 提 前 收 回 一 部 分 甚 至 於 全 部 收 回 資 金 那 請 問 你 認 為 這 樣 的 一 個 方 式 是 不 是 有 效 的 貸 後 管 理 的 做 法\n\n06:03.031 --> 06:14.342\n跟 委 員 報 告 財 政 部 是 在 3 月 2 8 號 提 醒 我 們 的 供 股 航 空 要 注 意 融 資 駐 另 業 的 一 個 營 運 特 性 但 是 並 沒 有 要 求 供 股 金 融 事 業 要 求 如 同 剛 剛 委 員 所 說 的 要 寫 所 謂 的 切 結 書 、 承 諾 書 或 提 前 收 回 這 些\n\n06:17.438 --> 06:38.540\n並 沒 有 做 這 樣 的 一 個 具 體 的 這 樣 的 要 求 那 公 股 金 融 事 業 對 於 相 關 資 金 的 貸 後 管 理 是 本 來 就 要 都 要 在 做 的 也 就 是 我 剛 才 貸 放 給 你 是 做 什 麼 樣 的 用 途 那 你 是 不 是 有 按 照 這 個 樣 計 畫 使 用 同 時 我 們 也 知 道 臺 北 市 租 賃 業 的 工 會 已 經 對 於 所 謂 的 先 買 後 付 以 及 車 輛 交 易 的 業 務 也 訂 立 一 個 自 律 規 範\n\n06:39.361 --> 06:39.561\n那 我 請 教\n\n07:05.796 --> 07:27.382\n你 認 為 工 會 這 樣 的 要 求 執 行 上 會 不 會 有 困 難 度 啊 這 個 部 分 呢 我 想 在 工 會 竟 然 已 經 有 註 定 商 業 同 業 工 會 竟 然 已 經 訂 了 這 個 自 律 規 範 那 我 們 認 為 這 個 就 是 應 該 要 他 們 要 去 做 這 樣 子 然 後 我 們 公 股 金 融 事 業 在 受 信 的 時 候 也 要 去 注 意 他 們 的 借 款 戶 有 沒 有 合 乎 這 個 自 律 規 範\n\n07:29.363 --> 07:49.644\n對 於 金 融 業 者 貸 放 後 必 須 強 化 貸 後 的 管 理 來 追 查 資 金 的 流 向 以 避 免 貸 放 金 額 流 入 先 買 後 戶 的 業 務 那 媒 體 報 導 和 庫 金 控 董 事 長 表 示 應 該 要 由 銀 行 公 會 來 訂 定 一 致 性 的 規 範 也 就 是 公 民 銀 行\n\n07:51.286 --> 08:00.353\n都 應 該 要 受 到 規 範 約 束 才 能 解 決 金 流 破 口 的 問 題 那 我 請 問 部 長 貸 後 的 整 個 管 理\n\n08:02.165 --> 08:25.237\n做 法 是 由 銀 行 公 會 統 一 一 致 性 來 規 範 來 約 束 公 民 銀 行 的 提 議 你 認 為 是 不 是 比 較 理 想 還 是 你 認 為 金 管 會 應 該 要 有 進 一 步 主 導 貸 後 管 理 規 範 的 必 要 我 想 這 個 涉 及 到 金 管 會 的 權 責 我 們 尊 重 金 管 會 的 一 個 看 法 彭 主 委 那 你 有 什 麼 看 法\n\n08:26.084 --> 08:26.624\n因 為 你 等 於 是 現 在 都 是 由 工 會 來 主 導 嗎 ?\n\n08:42.043 --> 08:54.299\n對 不 對 那 你 要 是 當 然 公 會 主 導 要 是 公 民 銀 行 一 致 信 那 金 管 會 跟 財 政 部 認 同 他 們 一 定 會 這 樣 去 做 那 你 認 為 這 樣 妥 當 嗎 那 個 主 委\n\n08:58.189 --> 09:00.931\n根 據 財 政 部 統 計 , 截 至 今 年 一 月 底 , 八 家 公 股 銀 行 對 融 資 租 賃 業 貸 款 餘 額 合 計 1 3 5 9 億 元 。\n\n09:20.326 --> 09:33.796\n請 問 主 委 金 管 會 到 底 有 沒 有 民 營 銀 行 、 行 庫 對 這 個 融 資 、 租 貸 業 或 貸 款 餘 額 的 統 計 數 字 有 沒 有 委 員 如 果 允 許 我 可 不 可 以 請 銀 行 局 局 長 跟 您 回 覆 可 以 啊 謝 謝\n\n09:38.506 --> 10:06.909\n報 告 委 員 我 們 是 有 個 別 去 統 計 就 是 各 個 銀 行 對 於 融 資 公 司 的 放 款 那 你 公 立 製 造 那 私 立 的 你 知 不 知 道 到 底 有 多 少 我 們 也 有 在 調 查 只 有 調 查 而 已 你 到 目 前 沒 有 數 字 嘛 是 不 是 我 們 其 實 是 有 數 字 有 數 字 那 你 可 不 可 以 公 布 啊 因 為 才 讓 大 家 了 解 說 到 底 公 司 銀 行 貸 款 給 這 些 租 賃 業 者 到 底 一 共 有 加 起 來 有 加 總 有 多 少\n\n10:07.409 --> 10:20.737\n我 們 就 是 個 別 金 融 機 構 的 數 字 我 們 大 概 不 太 方 便 總 數 你 總 有 吧 對 總 體 的 數 字 我 們 是 可 以 那 可 以 你 現 在 講 啊 大 概 是 3 0 0 0 億 左 右 3 0 0 0 億 對 啊 私 有 的 銀 行 貸 3 0 0 0 億 那 公 有 的 是 1 3 5 9 所 有 的 銀 行 公 私 利 加 起 來 3 0 0 0 億 左 右\n\n10:29.643 --> 10:52.382\n因 為 其 實 財 委 會 會 排 這 個 主 要 當 然 我 們 是 希 望 說 透 過 這 個 由 銀 行 公 會 甚 至 於 制 定 貸 後 管 理 比 較 好 的 一 個 規 範 這 個 也 比 較 適 合 那 由 金 管 會 訂 定 你 認 為 是 比 較 合 適 還 是 那 個 主 委 還 是 認 為 由 現 在 這 些 公 會 他 們 來 制 定 比 較 適 當\n\n10:53.863 --> 11:04.778\n我 想 過 去 我 們 會 循 過 去 的 往 例 來 處 理 這 個 問 題 當 然 還 是 先 由 工 會 來 做 相 關 的 規 範 我 是 希 望 你 們 在 這 方 面 要 去 重 視 謝 謝 謝 謝 林 德 福 的 質 詢 現 在 我 們 請 吳 秉 樂 委 員 質 詢\n\n","segments":[{"start":0.75,"end":15.105,"text":"有請彭主委委員好部長還有主委你好我首先請彭主委主委"},{"start":16.826,"end":24.673,"text":"我想這個美債殖利率飆升美股大盤預證華麗那到從收黑到410點收盤創五月份以來的最低點反觀從4月19號我們整個台股大盤最近從低點的19291"},{"start":40.788,"end":43.713,"text":"請問主委,你認為台股最近的表現是不是和美股脫鉤?"},{"start":56.183,"end":78.858,"text":"謝謝委員因為身為這個政經市場主管機關我們關注的是整個市場的所謂的制度當然台股在全球的股市當然會受到美國股市及國際情勢的影響那有沒有脫鉤嗎?你認為呢?其實台灣有自己的基本面當然也會受到影響所以說就是"},{"start":80.879,"end":85.784,"text":"當然我們關注的是整個制度面會不會有影響到我們市場的安定但是所有的國際上面的因素應該都對台股會有影響"},{"start":104.114,"end":128.299,"text":"主委,台股處在高檔,目前你認為持續樂觀還是要居高思維?跟委員報告,其實我覺得股票市場短期會受到消息面影響,長期還是會回到基本面。我們看國發會的景氣對策訊號,我們4月是在2022年3月以後第一次轉為黃紅燈,也是顯現我們的經濟情緒是審慎樂觀。"},{"start":132.68,"end":135.382,"text":"中信金和星光金整個合併傳言四起,金管會與你擔任主委你有什麼看法?"},{"start":149.552,"end":169.198,"text":"市場上面有關合併的案子都是市場上面的一些的傳言我想金管會身為金融市場的主管機關一定會密切關注所有的動向但是對於傳聞的案例金管會無法評論謝謝好那我請教要是金控合併對整個金融圈到底有什麼影響"},{"start":170.612,"end":172.032,"text":"主委因為我們主記長陳主記長昨天被訓示說目前整個情況持續是看好"},{"start":195.247,"end":195.307,"text":"主席"},{"start":212.301,"end":223.372,"text":"我們要如何去提醒投資大眾把台股看成是已經預先反映未來整個經濟走勢必須居高思維還是整個國內整個經濟情勢緩談還不到高點"},{"start":227.697,"end":227.857,"text":"財政部長"},{"start":252.248,"end":273.399,"text":"我想為了避免租賃公司換款給年輕小白．以導致出現債台高逐甚至於紙債負償媒體報導財政部已經號令八大行庫強化貸後的管理據金融業者透露有些行庫已經"},{"start":274.46,"end":277.102,"text":"跟委員報告有關融資助令業的一些帶放上的社會的一個關注"},{"start":300.014,"end":327.241,"text":"那本部是在3月28號例行的公股金融事業研討會裡面有提醒我們的公股銀行要橫著租賃業融資租賃業的一個營運特性然後精進徵售性以及貸貨管理的一些措施那至於並沒有叫公股銀行而且就我們了解公股銀行也沒有做下面比如說要簽承諾書啦或者是說保證資金不可以去做先買後付以及如果違反承諾就要全部收回貸款"},{"start":328.061,"end":330.645,"text":"因為媒體報導的做法內容是由金融業者要求簽署確決書拒絕所獲得的資金不會流向先買後戶業者"},{"start":343.542,"end":362.151,"text":"接著查核資金的用途是我和原申請、申貸的計劃有沒有相符若不相符那整個銀行將提前收回一部分甚至於全部收回資金那請問你認為這樣的一個方式是不是有效的貸後管理的做法"},{"start":363.031,"end":374.342,"text":"跟委員報告財政部是在3月28號提醒我們的供股航空要注意融資駐另業的一個營運特性但是並沒有要求供股金融事業要求如同剛剛委員所說的要寫所謂的切結書、承諾書或提前收回這些"},{"start":377.438,"end":398.54,"text":"並沒有做這樣的一個具體的這樣的要求那公股金融事業對於相關資金的貸後管理是本來就要都要在做的也就是我剛才貸放給你是做什麼樣的用途那你是不是有按照這個樣計畫使用同時我們也知道臺北市租賃業的工會已經對於所謂的先買後付以及車輛交易的業務也訂立一個自律規範"},{"start":399.361,"end":399.561,"text":"那我請教"},{"start":425.796,"end":447.382,"text":"你認為工會這樣的要求執行上會不會有困難度啊這個部分呢我想在工會竟然已經有註定商業同業工會竟然已經訂了這個自律規範那我們認為這個就是應該要他們要去做這樣子然後我們公股金融事業在受信的時候也要去注意他們的借款戶有沒有合乎這個自律規範"},{"start":449.363,"end":469.644,"text":"對於金融業者貸放後必須強化貸後的管理來追查資金的流向以避免貸放金額流入先買後戶的業務那媒體報導和庫金控董事長表示應該要由銀行公會來訂定一致性的規範也就是公民銀行"},{"start":471.286,"end":480.353,"text":"都應該要受到規範約束才能解決金流破口的問題那我請問部長貸後的整個管理"},{"start":482.165,"end":505.237,"text":"做法是由銀行公會統一一致性來規範來約束公民銀行的提議你認為是不是比較理想還是你認為金管會應該要有進一步主導貸後管理規範的必要我想這個涉及到金管會的權責我們尊重金管會的一個看法彭主委那你有什麼看法"},{"start":506.084,"end":506.624,"text":"因為你等於是現在都是由工會來主導嗎?"},{"start":522.043,"end":534.299,"text":"對不對那你要是當然公會主導要是公民銀行一致信那金管會跟財政部認同他們一定會這樣去做那你認為這樣妥當嗎 那個主委"},{"start":538.189,"end":540.931,"text":"根據財政部統計,截至今年一月底,八家公股銀行對融資租賃業貸款餘額合計1359億元。"},{"start":560.326,"end":573.796,"text":"請問主委金管會到底有沒有民營銀行、行庫對這個融資、租貸業或貸款餘額的統計數字有沒有委員如果允許我可不可以請銀行局局長跟您回覆可以啊謝謝"},{"start":578.506,"end":606.909,"text":"報告委員我們是有個別去統計就是各個銀行對於融資公司的放款那你公立製造那私立的你知不知道到底有多少我們也有在調查只有調查而已你到目前沒有數字嘛是不是我們其實是有數字有數字那你可不可以公布啊因為才讓大家了解說到底公司銀行貸款給這些租賃業者到底一共有加起來有加總有多少"},{"start":607.409,"end":620.737,"text":"我們就是個別金融機構的數字我們大概不太方便總數你總有吧對總體的數字我們是可以那可以你現在講啊大概是3000億左右3000億對啊私有的銀行貸3000億那公有的是1359所有的銀行公私利加起來3000億左右"},{"start":629.643,"end":652.382,"text":"因為其實財委會會排這個主要當然我們是希望說透過這個由銀行公會甚至於制定貸後管理比較好的一個規範這個也比較適合那由金管會訂定你認為是比較合適還是那個主委還是認為由現在這些公會他們來制定比較適當"},{"start":653.863,"end":664.778,"text":"我想過去我們會循過去的往例來處理這個問題當然還是先由工會來做相關的規範我是希望你們在這方面要去重視謝謝謝謝林德福的質詢現在我們請吳秉樂委員質詢"}]}}}}