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\"start\": 437.308, \"end\": 437.328, \"score\": 0.603}, {\"word\": \"議\"}, {\"word\": \"員\"}, {\"word\": \"鍾\"}, {\"word\": \"佳\", \"start\": 437.768, \"end\": 437.788, \"score\": 0.0}, {\"word\": \"濱\"}], \"language\": \"zh\"}","srt":"1\n00:00:00,606 --> 00:00:01,426\n國文委員發言委員好\n\n2\n00:00:18,188 --> 00:00:35,495\n市長,我們現在是一個低利的社會,資金氾濫,低到什麼程度?之所以會提出這一個修正草案的主要原因,就是說我們看到中租抵合三大融資公司。這三大融資公司,我們根據它2023年的財務報表當中,\n\n3\n00:00:39,176 --> 00:01:07,311\n很清楚的他資金的成本非常的低總共三大融資公司跟銀行的往來大概將近有3000億之多擔保銀行的借款最低只有1.63%然後無擔保的銀行這個借貸是1.15%這是公佈在財報裡頭的所以他資金成本這麼低的情況底再對照這個個案這個案的部分以這個手機貸的部分我們換算起來\n\n4\n00:01:08,231 --> 00:01:18,860\n大概26%所以這個是超級暴力啊所以說這個不是一個單純的一個獲利行為而已這簡直是\n\n5\n00:01:21,394 --> 00:01:27,277\n市長,為什麼搬銀行的錢也是人民的存款的錢?借給另外一批缺錢的人民,結果他居然可以賺到這麼多,有些網路個案最高還有超過40%\n\n6\n00:01:43,359 --> 00:02:06,013\n所以也因為如此有一些委員提出要有一個融資公司的專法但是要立一個專法曠日廢死因此我們用單條條文的一個修正案然後當我們提出這個修正案的時候我們看到鍾珠迪和她對外講說她澄清說沒有沒有沒有他們的車貸就3到12%之間\n\n7\n00:02:09,215 --> 00:02:36,008\n那也沒有所謂的這一個違約金阿巧立名目阿那就代表對他們沒有影響阿最大的融資公司沒有影響那你這個法通過怎麼會有什麼問題呢我聽說據聞阿法務部有意見阿法務部的意見一個意見是屬於定義上說阿這些規費行政規費管理費違約金阿不屬利息的定義嘛是不是\n\n8\n00:02:36,943 --> 00:02:42,026\n市長,基本上我們就是用一個總額上限的概念嘛,就不調高這16嘛,那你如果說這個16人這些項目不納入的話,\n\n9\n00:02:57,782 --> 00:03:18,323\n那我要試問一下次長啊那16%有沒有就乾脆把它調回來12%就好啦再往下調嘛就可以啦這才可以解決他的問題嘛你如果容許他外加不讓他內涵的話那你如果讓他外加在外面那不如就是把這個標準就降回12為什麼提出12的說法你知道嗎\n\n10\n00:03:19,751 --> 00:03:34,511\n兩千年的時候那時候的修正利率的時候從原來的20%降到16%最初的草案是要降到12%也是貴部有所保留誰互相折衝就變成16%的\n\n11\n00:03:36,954 --> 00:03:37,475\n民法第二百零五條條文修正草案\n\n12\n00:03:53,251 --> 00:03:53,671\n議員鍾佳濱等25人擬具\n\n13\n00:04:23,996 --> 00:04:45,644\n這次的修法因為它有一個蠻強的法律效果就是說只要是所謂的費用或是我們有立的這些名詞甚至還有所謂的相關費用這個比較概括的概念都要來計算納入歷期上限這樣的規定所以它其實影響成蠻大的這個裡面的費用的範圍\n\n14\n00:04:46,784 --> 00:05:01,779\n有我們現在想要制約的這些巧立明末部分但是也會有合法的交易的過程中所產生的比如說公正的費用或者是這個匯費或等等的這些部分要不要來把它納入或是我們可以用什麼方式去排除\n\n15\n00:05:02,279 --> 00:05:02,299\n議員鍾佳濱\n\n16\n00:05:27,449 --> 00:05:34,436\n法律有一個通用的原則我大概可以理解你剛剛的說明但是你剛剛提到的部分是說巧立名目的各項目當中你認為有些東西可以納入有些東西沒有納入是不是?\n\n17\n00:05:51,112 --> 00:05:51,492\n委員鍾佳濱\n\n18\n00:06:13,445 --> 00:06:29,860\n假設他是我們民法所規定的違約金他是在債務不履行之後才會產生而且他有損壞賠償預定額或懲罰性違約金兩種更重要的是法院對於這種違約金我們民法有第二百五十二條規定說他可以予以作檢\n\n19\n00:06:31,081 --> 00:06:59,916\n那我們如果直接把它定在205條這個第二項裡面那有可能跟252條的適用的關係這個是不是會限縮到法院對於這個違約金佐檢的這個權利的行使事實上還需要再討論所以我們是建議說違約金可以不一定要把它放在這個歷史這個名詞裡面但是把它排除之外那哪些可以我們有些像我們剛剛講的這些實質跟形式的這個認定\n\n20\n00:07:01,096 --> 00:07:17,328\n我們會在立法的旅遊裡面來作為說明我們是建議這樣讓未來法院的財團的時候可以有它的基礎來那你正在釐清哪些可以內涵哪些應該是外加排除的那麻煩你把這個內涵跟外加的項目讓我知道一下\n\n21\n00:07:17,768 --> 00:07:17,788\n議員鍾佳濱\n\n","tsv":"start\tend\ttext\n606\t1426\t國文委員發言委員好\n18188\t35495\t市長,我們現在是一個低利的社會,資金氾濫,低到什麼程度?之所以會提出這一個修正草案的主要原因,就是說我們看到中租抵合三大融資公司。這三大融資公司,我們根據它2023年的財務報表當中,\n39176\t67311\t很清楚的他資金的成本非常的低總共三大融資公司跟銀行的往來大概將近有3000億之多擔保銀行的借款最低只有1.63%然後無擔保的銀行這個借貸是1.15%這是公佈在財報裡頭的所以他資金成本這麼低的情況底再對照這個個案這個案的部分以這個手機貸的部分我們換算起來\n68231\t78860\t大概26%所以這個是超級暴力啊所以說這個不是一個單純的一個獲利行為而已這簡直是\n81394\t87277\t市長,為什麼搬銀行的錢也是人民的存款的錢?借給另外一批缺錢的人民,結果他居然可以賺到這麼多,有些網路個案最高還有超過40%\n103359\t126013\t所以也因為如此有一些委員提出要有一個融資公司的專法但是要立一個專法曠日廢死因此我們用單條條文的一個修正案然後當我們提出這個修正案的時候我們看到鍾珠迪和她對外講說她澄清說沒有沒有沒有他們的車貸就3到12%之間\n129215\t156008\t那也沒有所謂的這一個違約金阿巧立名目阿那就代表對他們沒有影響阿最大的融資公司沒有影響那你這個法通過怎麼會有什麼問題呢我聽說據聞阿法務部有意見阿法務部的意見一個意見是屬於定義上說阿這些規費行政規費管理費違約金阿不屬利息的定義嘛是不是\n156943\t162026\t市長,基本上我們就是用一個總額上限的概念嘛,就不調高這16嘛,那你如果說這個16人這些項目不納入的話,\n177782\t198323\t那我要試問一下次長啊那16%有沒有就乾脆把它調回來12%就好啦再往下調嘛就可以啦這才可以解決他的問題嘛你如果容許他外加不讓他內涵的話那你如果讓他外加在外面那不如就是把這個標準就降回12為什麼提出12的說法你知道嗎\n199751\t214511\t兩千年的時候那時候的修正利率的時候從原來的20%降到16%最初的草案是要降到12%也是貴部有所保留誰互相折衝就變成16%的\n216954\t217475\t民法第二百零五條條文修正草案\n233251\t233671\t議員鍾佳濱等25人擬具\n263996\t285644\t這次的修法因為它有一個蠻強的法律效果就是說只要是所謂的費用或是我們有立的這些名詞甚至還有所謂的相關費用這個比較概括的概念都要來計算納入歷期上限這樣的規定所以它其實影響成蠻大的這個裡面的費用的範圍\n286784\t301779\t有我們現在想要制約的這些巧立明末部分但是也會有合法的交易的過程中所產生的比如說公正的費用或者是這個匯費或等等的這些部分要不要來把它納入或是我們可以用什麼方式去排除\n302279\t302299\t議員鍾佳濱\n327449\t334436\t法律有一個通用的原則我大概可以理解你剛剛的說明但是你剛剛提到的部分是說巧立名目的各項目當中你認為有些東西可以納入有些東西沒有納入是不是?\n351112\t351492\t委員鍾佳濱\n373445\t389860\t假設他是我們民法所規定的違約金他是在債務不履行之後才會產生而且他有損壞賠償預定額或懲罰性違約金兩種更重要的是法院對於這種違約金我們民法有第二百五十二條規定說他可以予以作檢\n391081\t419916\t那我們如果直接把它定在205條這個第二項裡面那有可能跟252條的適用的關係這個是不是會限縮到法院對於這個違約金佐檢的這個權利的行使事實上還需要再討論所以我們是建議說違約金可以不一定要把它放在這個歷史這個名詞裡面但是把它排除之外那哪些可以我們有些像我們剛剛講的這些實質跟形式的這個認定\n421096\t437328\t我們會在立法的旅遊裡面來作為說明我們是建議這樣讓未來法院的財團的時候可以有它的基礎來那你正在釐清哪些可以內涵哪些應該是外加排除的那麻煩你把這個內涵跟外加的項目讓我知道一下\n437768\t437788\t議員鍾佳濱\n","txt":"國文委員發言委員好\n市長,我們現在是一個低利的社會,資金氾濫,低到什麼程度?之所以會提出這一個修正草案的主要原因,就是說我們看到中租抵合三大融資公司。這三大融資公司,我們根據它2023年的財務報表當中,\n很清楚的他資金的成本非常的低總共三大融資公司跟銀行的往來大概將近有3000億之多擔保銀行的借款最低只有1.63%然後無擔保的銀行這個借貸是1.15%這是公佈在財報裡頭的所以他資金成本這麼低的情況底再對照這個個案這個案的部分以這個手機貸的部分我們換算起來\n大概26%所以這個是超級暴力啊所以說這個不是一個單純的一個獲利行為而已這簡直是\n市長,為什麼搬銀行的錢也是人民的存款的錢?借給另外一批缺錢的人民,結果他居然可以賺到這麼多,有些網路個案最高還有超過40%\n所以也因為如此有一些委員提出要有一個融資公司的專法但是要立一個專法曠日廢死因此我們用單條條文的一個修正案然後當我們提出這個修正案的時候我們看到鍾珠迪和她對外講說她澄清說沒有沒有沒有他們的車貸就3到12%之間\n那也沒有所謂的這一個違約金阿巧立名目阿那就代表對他們沒有影響阿最大的融資公司沒有影響那你這個法通過怎麼會有什麼問題呢我聽說據聞阿法務部有意見阿法務部的意見一個意見是屬於定義上說阿這些規費行政規費管理費違約金阿不屬利息的定義嘛是不是\n市長,基本上我們就是用一個總額上限的概念嘛,就不調高這16嘛,那你如果說這個16人這些項目不納入的話,\n那我要試問一下次長啊那16%有沒有就乾脆把它調回來12%就好啦再往下調嘛就可以啦這才可以解決他的問題嘛你如果容許他外加不讓他內涵的話那你如果讓他外加在外面那不如就是把這個標準就降回12為什麼提出12的說法你知道嗎\n兩千年的時候那時候的修正利率的時候從原來的20%降到16%最初的草案是要降到12%也是貴部有所保留誰互相折衝就變成16%的\n民法第二百零五條條文修正草案\n議員鍾佳濱等25人擬具\n這次的修法因為它有一個蠻強的法律效果就是說只要是所謂的費用或是我們有立的這些名詞甚至還有所謂的相關費用這個比較概括的概念都要來計算納入歷期上限這樣的規定所以它其實影響成蠻大的這個裡面的費用的範圍\n有我們現在想要制約的這些巧立明末部分但是也會有合法的交易的過程中所產生的比如說公正的費用或者是這個匯費或等等的這些部分要不要來把它納入或是我們可以用什麼方式去排除\n議員鍾佳濱\n法律有一個通用的原則我大概可以理解你剛剛的說明但是你剛剛提到的部分是說巧立名目的各項目當中你認為有些東西可以納入有些東西沒有納入是不是?\n委員鍾佳濱\n假設他是我們民法所規定的違約金他是在債務不履行之後才會產生而且他有損壞賠償預定額或懲罰性違約金兩種更重要的是法院對於這種違約金我們民法有第二百五十二條規定說他可以予以作檢\n那我們如果直接把它定在205條這個第二項裡面那有可能跟252條的適用的關係這個是不是會限縮到法院對於這個違約金佐檢的這個權利的行使事實上還需要再討論所以我們是建議說違約金可以不一定要把它放在這個歷史這個名詞裡面但是把它排除之外那哪些可以我們有些像我們剛剛講的這些實質跟形式的這個認定\n我們會在立法的旅遊裡面來作為說明我們是建議這樣讓未來法院的財團的時候可以有它的基礎來那你正在釐清哪些可以內涵哪些應該是外加排除的那麻煩你把這個內涵跟外加的項目讓我知道一下\n議員鍾佳濱\n","vtt":"WEBVTT\n\n00:00.606 --> 00:01.426\n國文委員發言委員好\n\n00:18.188 --> 00:35.495\n市長,我們現在是一個低利的社會,資金氾濫,低到什麼程度?之所以會提出這一個修正草案的主要原因,就是說我們看到中租抵合三大融資公司。這三大融資公司,我們根據它2023年的財務報表當中,\n\n00:39.176 --> 01:07.311\n很清楚的他資金的成本非常的低總共三大融資公司跟銀行的往來大概將近有3000億之多擔保銀行的借款最低只有1.63%然後無擔保的銀行這個借貸是1.15%這是公佈在財報裡頭的所以他資金成本這麼低的情況底再對照這個個案這個案的部分以這個手機貸的部分我們換算起來\n\n01:08.231 --> 01:18.860\n大概26%所以這個是超級暴力啊所以說這個不是一個單純的一個獲利行為而已這簡直是\n\n01:21.394 --> 01:27.277\n市長,為什麼搬銀行的錢也是人民的存款的錢?借給另外一批缺錢的人民,結果他居然可以賺到這麼多,有些網路個案最高還有超過40%\n\n01:43.359 --> 02:06.013\n所以也因為如此有一些委員提出要有一個融資公司的專法但是要立一個專法曠日廢死因此我們用單條條文的一個修正案然後當我們提出這個修正案的時候我們看到鍾珠迪和她對外講說她澄清說沒有沒有沒有他們的車貸就3到12%之間\n\n02:09.215 --> 02:36.008\n那也沒有所謂的這一個違約金阿巧立名目阿那就代表對他們沒有影響阿最大的融資公司沒有影響那你這個法通過怎麼會有什麼問題呢我聽說據聞阿法務部有意見阿法務部的意見一個意見是屬於定義上說阿這些規費行政規費管理費違約金阿不屬利息的定義嘛是不是\n\n02:36.943 --> 02:42.026\n市長,基本上我們就是用一個總額上限的概念嘛,就不調高這16嘛,那你如果說這個16人這些項目不納入的話,\n\n02:57.782 --> 03:18.323\n那我要試問一下次長啊那16%有沒有就乾脆把它調回來12%就好啦再往下調嘛就可以啦這才可以解決他的問題嘛你如果容許他外加不讓他內涵的話那你如果讓他外加在外面那不如就是把這個標準就降回12為什麼提出12的說法你知道嗎\n\n03:19.751 --> 03:34.511\n兩千年的時候那時候的修正利率的時候從原來的20%降到16%最初的草案是要降到12%也是貴部有所保留誰互相折衝就變成16%的\n\n03:36.954 --> 03:37.475\n民法第二百零五條條文修正草案\n\n03:53.251 --> 03:53.671\n議員鍾佳濱等25人擬具\n\n04:23.996 --> 04:45.644\n這次的修法因為它有一個蠻強的法律效果就是說只要是所謂的費用或是我們有立的這些名詞甚至還有所謂的相關費用這個比較概括的概念都要來計算納入歷期上限這樣的規定所以它其實影響成蠻大的這個裡面的費用的範圍\n\n04:46.784 --> 05:01.779\n有我們現在想要制約的這些巧立明末部分但是也會有合法的交易的過程中所產生的比如說公正的費用或者是這個匯費或等等的這些部分要不要來把它納入或是我們可以用什麼方式去排除\n\n05:02.279 --> 05:02.299\n議員鍾佳濱\n\n05:27.449 --> 05:34.436\n法律有一個通用的原則我大概可以理解你剛剛的說明但是你剛剛提到的部分是說巧立名目的各項目當中你認為有些東西可以納入有些東西沒有納入是不是?\n\n05:51.112 --> 05:51.492\n委員鍾佳濱\n\n06:13.445 --> 06:29.860\n假設他是我們民法所規定的違約金他是在債務不履行之後才會產生而且他有損壞賠償預定額或懲罰性違約金兩種更重要的是法院對於這種違約金我們民法有第二百五十二條規定說他可以予以作檢\n\n06:31.081 --> 06:59.916\n那我們如果直接把它定在205條這個第二項裡面那有可能跟252條的適用的關係這個是不是會限縮到法院對於這個違約金佐檢的這個權利的行使事實上還需要再討論所以我們是建議說違約金可以不一定要把它放在這個歷史這個名詞裡面但是把它排除之外那哪些可以我們有些像我們剛剛講的這些實質跟形式的這個認定\n\n07:01.096 --> 07:17.328\n我們會在立法的旅遊裡面來作為說明我們是建議這樣讓未來法院的財團的時候可以有它的基礎來那你正在釐清哪些可以內涵哪些應該是外加排除的那麻煩你把這個內涵跟外加的項目讓我知道一下\n\n07:17.768 --> 07:17.788\n議員鍾佳濱\n\n","segments":[{"start":0.606,"end":1.426,"text":"國文委員發言委員好"},{"start":18.188,"end":35.495,"text":"市長,我們現在是一個低利的社會,資金氾濫,低到什麼程度?之所以會提出這一個修正草案的主要原因,就是說我們看到中租抵合三大融資公司。這三大融資公司,我們根據它2023年的財務報表當中,"},{"start":39.176,"end":67.311,"text":"很清楚的他資金的成本非常的低總共三大融資公司跟銀行的往來大概將近有3000億之多擔保銀行的借款最低只有1.63%然後無擔保的銀行這個借貸是1.15%這是公佈在財報裡頭的所以他資金成本這麼低的情況底再對照這個個案這個案的部分以這個手機貸的部分我們換算起來"},{"start":68.231,"end":78.86,"text":"大概26%所以這個是超級暴力啊所以說這個不是一個單純的一個獲利行為而已這簡直是"},{"start":81.394,"end":87.277,"text":"市長,為什麼搬銀行的錢也是人民的存款的錢?借給另外一批缺錢的人民,結果他居然可以賺到這麼多,有些網路個案最高還有超過40%"},{"start":103.359,"end":126.013,"text":"所以也因為如此有一些委員提出要有一個融資公司的專法但是要立一個專法曠日廢死因此我們用單條條文的一個修正案然後當我們提出這個修正案的時候我們看到鍾珠迪和她對外講說她澄清說沒有沒有沒有他們的車貸就3到12%之間"},{"start":129.215,"end":156.008,"text":"那也沒有所謂的這一個違約金阿巧立名目阿那就代表對他們沒有影響阿最大的融資公司沒有影響那你這個法通過怎麼會有什麼問題呢我聽說據聞阿法務部有意見阿法務部的意見一個意見是屬於定義上說阿這些規費行政規費管理費違約金阿不屬利息的定義嘛是不是"},{"start":156.943,"end":162.026,"text":"市長,基本上我們就是用一個總額上限的概念嘛,就不調高這16嘛,那你如果說這個16人這些項目不納入的話,"},{"start":177.782,"end":198.323,"text":"那我要試問一下次長啊那16%有沒有就乾脆把它調回來12%就好啦再往下調嘛就可以啦這才可以解決他的問題嘛你如果容許他外加不讓他內涵的話那你如果讓他外加在外面那不如就是把這個標準就降回12為什麼提出12的說法你知道嗎"},{"start":199.751,"end":214.511,"text":"兩千年的時候那時候的修正利率的時候從原來的20%降到16%最初的草案是要降到12%也是貴部有所保留誰互相折衝就變成16%的"},{"start":216.954,"end":217.475,"text":"民法第二百零五條條文修正草案"},{"start":233.251,"end":233.671,"text":"議員鍾佳濱等25人擬具"},{"start":263.996,"end":285.644,"text":"這次的修法因為它有一個蠻強的法律效果就是說只要是所謂的費用或是我們有立的這些名詞甚至還有所謂的相關費用這個比較概括的概念都要來計算納入歷期上限這樣的規定所以它其實影響成蠻大的這個裡面的費用的範圍"},{"start":286.784,"end":301.779,"text":"有我們現在想要制約的這些巧立明末部分但是也會有合法的交易的過程中所產生的比如說公正的費用或者是這個匯費或等等的這些部分要不要來把它納入或是我們可以用什麼方式去排除"},{"start":302.279,"end":302.299,"text":"議員鍾佳濱"},{"start":327.449,"end":334.436,"text":"法律有一個通用的原則我大概可以理解你剛剛的說明但是你剛剛提到的部分是說巧立名目的各項目當中你認為有些東西可以納入有些東西沒有納入是不是?"},{"start":351.112,"end":351.492,"text":"委員鍾佳濱"},{"start":373.445,"end":389.86,"text":"假設他是我們民法所規定的違約金他是在債務不履行之後才會產生而且他有損壞賠償預定額或懲罰性違約金兩種更重要的是法院對於這種違約金我們民法有第二百五十二條規定說他可以予以作檢"},{"start":391.081,"end":419.916,"text":"那我們如果直接把它定在205條這個第二項裡面那有可能跟252條的適用的關係這個是不是會限縮到法院對於這個違約金佐檢的這個權利的行使事實上還需要再討論所以我們是建議說違約金可以不一定要把它放在這個歷史這個名詞裡面但是把它排除之外那哪些可以我們有些像我們剛剛講的這些實質跟形式的這個認定"},{"start":421.096,"end":437.328,"text":"我們會在立法的旅遊裡面來作為說明我們是建議這樣讓未來法院的財團的時候可以有它的基礎來那你正在釐清哪些可以內涵哪些應該是外加排除的那麻煩你把這個內涵跟外加的項目讓我知道一下"},{"start":437.768,"end":437.788,"text":"議員鍾佳濱"}]}}}}