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{\"word\": \"可\", \"start\": 158.823, \"end\": 159.163, \"score\": 0.884}, {\"word\": \"能\", \"start\": 159.163, \"end\": 159.463, \"score\": 0.804}, {\"word\": \"會\"}, {\"word\": \"讓\"}, {\"word\": \"人\", \"start\": 159.463, \"end\": 159.623, \"score\": 0.871}, {\"word\": \"家\", \"start\": 159.623, \"end\": 159.823, \"score\": 0.911}, {\"word\": \"很\", \"start\": 159.823, \"end\": 160.324, \"score\": 0.856}, {\"word\": \"歸\"}, {\"word\": \"嘛\", \"start\": 160.324, \"end\": 161.064, \"score\": 0.927}, {\"word\": \"對\"}, {\"word\": \"吧\", \"start\": 161.064, \"end\": 161.905, \"score\": 0.979}, {\"word\": \"對\"}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 161.905, \"end\": 162.205, \"score\": 0.877}, {\"word\": \"也\", \"start\": 162.205, \"end\": 162.305, \"score\": 0.988}, {\"word\": \"是\", \"start\": 162.305, \"end\": 162.485, \"score\": 0.991}, {\"word\": \"希\", \"start\": 162.485, \"end\": 162.605, \"score\": 0.894}, {\"word\": \"望\", \"start\": 162.605, \"end\": 162.765, 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\"start\": 448.22, \"end\": 448.36, \"score\": 0.857}, {\"word\": \"文\", \"start\": 448.36, \"end\": 448.381, \"score\": 0.009}, {\"word\": \"議\"}, {\"word\": \"員\"}], \"language\": \"zh\"}","srt":"1\n00:00:07,947 --> 00:00:19,726\n麻煩請金管會主委黃主委委員好主委好我這邊有一個陳情案有一個民眾他是在民國94年的時候經營不善\n\n2\n00:00:20,456 --> 00:00:49,785\n後來因為這樣就積欠很多銀行錢然後後來到106年的時候因為有人他長輩要幫他還錢所以他就要提出一個清償計畫然後那當然因為他也因為很久以前的事情也不確定有跟哪個銀行借過錢就去廉徵查詢結果查到的都已經還了但是沒有想到在今年7月的時候忽然間他的房子就被查封了被誰查封呢?被臺灣金聯公司查封\n\n3\n00:00:51,072 --> 00:01:19,850\n然後他現在也沒辦法不知道怎麼辦為什麼因為他要還錢的話他也要拿房子去貸款那現在也沒有貸款的機會了也找不到人幫忙所以眼看這個房子啊就要被法拍了沒有地方住那這個案子我們也辦公室也有協調過當時金管會就說管不了臺灣金聯這件事情我就覺得非常誇張臺灣金聯的請問一下主委臺灣金聯的供股是佔幾%\n\n4\n00:01:21,563 --> 00:01:24,889\n關鼓站幾發?我問主委\n\n5\n00:01:27,697 --> 00:01:49,869\n報告委員這個問題我確實沒講80%吧那是金融機構轉投資剛剛局長說那是金融機構轉投資政府並沒有投資那政府沒有投資那總是有間接持股嗎多少嗎沒有就是金融機構的投資我會議詢問財政部關股銀行是公股銀行的投資沒關係基本上關股也是影響到\n\n6\n00:01:54,710 --> 00:02:13,220\n金管會應該要去我認為金管會要去管啦金管會要去管啦那現在有幾個問題第一個問題請問一下臺灣今年他可以在完全不通知這個人的情況之下直接去查封他的房子嗎如果是一般的銀行的做法是怎麼樣\n\n7\n00:02:15,307 --> 00:02:43,946\n因為要查封人的財產應該是要根據一定的法律程序比如你要舉證你的債權跟法院申請才有辦法查封我們現在如果是銀行要去查封一個人的房子是不是會先催收然後會經過一個溝通你確實不想還的話呢當然最後程序就是查封你的房子嘛因為查封這個房子其實是蠻嚴重的一件事情他可能會讓人家很歸嘛對吧對銀行也是希望能還錢的不是希望查封的\n\n8\n00:02:45,767 --> 00:03:10,055\n為什麼這個臺灣金聯他會取得這個債權是因為合庫在因為我剛剛講他是94年跟合庫借的錢後來95年合庫就把大概轉讓了50萬給臺灣金聯公司臺灣金聯公司中間也都沒有處理在今年7月忽然間就去查封人家房子也沒有通知那這個人會覺得很奇怪為什麼第一個他跟連珍問過啊他就沒有這筆資料啊他以為該還都還了嘛\n\n9\n00:03:11,275 --> 00:03:11,795\n政府機關可以這樣子喔?\n\n10\n00:03:38,960 --> 00:04:00,703\n請報告人民當然他欠錢是有這個事實但是人在家中做忽然間就要被查封了然後跟主管機關反映主管機關說這不關我的事可以麻木不然人到這種地步喔當然如果說是我們這就是你們單位那時候來我們協調會講的話啊這我去趕快去解釋一下你覺得如果主委我現在在這個質詢台上問你你可以接受你們你們基本上會有這種態度嗎\n\n11\n00:04:02,365 --> 00:04:22,719\n這個報告委員這個確實剛才講我們要先去了解一下狀況我才能跟您回覆這樣謝謝沒有沒有我告訴你嘛如果是有這件事情的話你可以接受嗎如果說剛才跟委員說過就假設我是一個房子我覺得我債務清償完畢突然被查封當然每個人都很驚訝不能接受嘛那居然會提供給你也許這個特例你幫忙協調一下嘛不願意說跟我無關\n\n12\n00:04:24,062 --> 00:04:26,805\n為什麼他106年提出清償去向連珍去查的時候沒有這個資料為什麼為什麼\n\n13\n00:04:46,441 --> 00:05:02,216\n這主要是剛才那個同仁跟我回答說如果他已經賣給已經移轉到臺金聯去的話他當然查不到那就是一個很大的漏洞阿你今天我們為什麼聯徵中心的存在不就是要讓大家查一下到底比如說你還有多少基欠\n\n14\n00:05:03,106 --> 00:05:03,426\n李卓人議員\n\n15\n00:05:25,714 --> 00:05:36,275\n你不覺得嗎?這個案子我想我再了解一下不是這個案子我現在就這個案子引發出來制度的討論在跟你就教嘛那你覺得是不是一個很大的漏洞?\n\n16\n00:05:39,586 --> 00:06:05,354\n那你覺不覺得是一個很大的漏洞這個確實我覺得我現在還要真的瞭解他說這是常態的實務作業的模式的話那我現在也不方便評論不方便評論不方便評論我就跟你講說這是一個很大的漏洞只要這個人有債務的問題只要他轉賣給臺灣金聯這個在聯證中心就沒資料銀行也不知道民眾也不知道\n\n17\n00:06:06,354 --> 00:06:34,005\n你覺得OK嗎?沒有這可能還牽涉到其他我想說從這部分請容我去了解一下我再其實已經找過你們了嘛你們下面的人就在推託我才會來質詢嘛你們會不會來開協調會的人有點擔當好不好第三個問你啦台灣今年那時候啊取得這個債權有登報啦然後那天來的台灣今年說我沒有登報啊那是他自己沒看到啊請問一下他登什麼報?\n\n18\n00:06:35,100 --> 00:06:58,217\n現在每一個人都有在看報嗎?你們現在金管的機制裡面還是用這種上古年代的做法喔?當然這可能是一個法定程序或是法規上有很多制度的漏洞那因為今天趙偉已經站起來我不想讓他為難啦你能不能夠針對這個個案提出一個完整的檢討報告給我趙偉可以嗎?可以沒問題趙偉可以可以可以教授他一下因為\n\n19\n00:06:59,246 --> 00:07:24,721\n因為我們協調會他們派人實在是太蠻憨了我真的受不了金管會要好好處理委員的這個協調會對對我剛剛已經說這個報告我會什麼時候因為已經這個案子你們早就知道了啊什麼時候包括這個案子怎麼處理包括制度怎麼解決什麼時候給我一個簽討報告我們兩個禮拜給你兩個禮拜給委員報告好謝謝謝謝謝謝委員謝謝葉元之委員謝謝彭主委就是請審發會委員\n\n20\n00:07:28,059 --> 00:07:28,381\n王博文議員\n\n","tsv":"start\tend\ttext\n7947\t19726\t麻煩請金管會主委黃主委委員好主委好我這邊有一個陳情案有一個民眾他是在民國94年的時候經營不善\n20456\t49785\t後來因為這樣就積欠很多銀行錢然後後來到106年的時候因為有人他長輩要幫他還錢所以他就要提出一個清償計畫然後那當然因為他也因為很久以前的事情也不確定有跟哪個銀行借過錢就去廉徵查詢結果查到的都已經還了但是沒有想到在今年7月的時候忽然間他的房子就被查封了被誰查封呢?被臺灣金聯公司查封\n51072\t79850\t然後他現在也沒辦法不知道怎麼辦為什麼因為他要還錢的話他也要拿房子去貸款那現在也沒有貸款的機會了也找不到人幫忙所以眼看這個房子啊就要被法拍了沒有地方住那這個案子我們也辦公室也有協調過當時金管會就說管不了臺灣金聯這件事情我就覺得非常誇張臺灣金聯的請問一下主委臺灣金聯的供股是佔幾%\n81563\t84889\t關鼓站幾發?我問主委\n87697\t109869\t報告委員這個問題我確實沒講80%吧那是金融機構轉投資剛剛局長說那是金融機構轉投資政府並沒有投資那政府沒有投資那總是有間接持股嗎多少嗎沒有就是金融機構的投資我會議詢問財政部關股銀行是公股銀行的投資沒關係基本上關股也是影響到\n114710\t133220\t金管會應該要去我認為金管會要去管啦金管會要去管啦那現在有幾個問題第一個問題請問一下臺灣今年他可以在完全不通知這個人的情況之下直接去查封他的房子嗎如果是一般的銀行的做法是怎麼樣\n135307\t163946\t因為要查封人的財產應該是要根據一定的法律程序比如你要舉證你的債權跟法院申請才有辦法查封我們現在如果是銀行要去查封一個人的房子是不是會先催收然後會經過一個溝通你確實不想還的話呢當然最後程序就是查封你的房子嘛因為查封這個房子其實是蠻嚴重的一件事情他可能會讓人家很歸嘛對吧對 銀行也是希望能還錢的不是希望查封的\n165767\t190055\t為什麼這個臺灣金聯他會取得這個債權是因為合庫在因為我剛剛講他是94年跟合庫借的錢後來95年合庫就把大概轉讓了50萬給臺灣金聯公司臺灣金聯公司中間也都沒有處理在今年7月忽然間就去查封人家房子也沒有通知那這個人會覺得很奇怪為什麼第一個他跟連珍問過啊他就沒有這筆資料啊他以為該還都還了嘛\n191275\t191795\t政府機關可以這樣子喔?\n218960\t240703\t請報告人民當然他欠錢是有這個事實但是人在家中做忽然間就要被查封了然後跟主管機關反映主管機關說這不關我的事可以麻木不然人到這種地步喔當然如果說是我們這就是你們單位那時候來我們協調會講的話啊這我去趕快去解釋一下你覺得如果主委我現在在這個質詢台上問你你可以接受你們你們基本上會有這種態度嗎\n242365\t262719\t這個報告委員這個確實剛才講我們要先去了解一下狀況我才能跟您回覆這樣謝謝沒有沒有我告訴你嘛如果是有這件事情的話你可以接受嗎如果說剛才跟委員說過就假設我是一個房子我覺得我債務清償完畢突然被查封當然每個人都很驚訝不能接受嘛那居然會提供給你也許這個特例你幫忙協調一下嘛不願意說跟我無關\n264062\t266805\t為什麼他106年提出清償去向連珍去查的時候沒有這個資料為什麼為什麼\n286441\t302216\t這主要是剛才那個同仁跟我回答說如果他已經賣給已經移轉到臺金聯去的話他當然查不到那就是一個很大的漏洞阿你今天我們為什麼聯徵中心的存在不就是要讓大家查一下到底比如說你還有多少基欠\n303106\t303426\t李卓人議員\n325714\t336275\t你不覺得嗎?這個案子我想我再了解一下不是這個案子我現在就這個案子引發出來制度的討論在跟你就教嘛那你覺得是不是一個很大的漏洞?\n339586\t365354\t那你覺不覺得是一個很大的漏洞這個確實我覺得我現在還要真的瞭解他說這是常態的實務作業的模式的話那我現在也不方便評論不方便評論不方便評論我就跟你講說這是一個很大的漏洞只要這個人有債務的問題只要他轉賣給臺灣金聯這個在聯證中心就沒資料銀行也不知道民眾也不知道\n366354\t394005\t你覺得OK嗎?沒有這可能還牽涉到其他我想說從這部分請容我去了解一下我再其實已經找過你們了嘛你們下面的人就在推託我才會來質詢嘛你們會不會來開協調會的人有點擔當好不好第三個問你啦台灣今年那時候啊取得這個債權有登報啦然後那天來的台灣今年說我沒有登報啊那是他自己沒看到啊請問一下他登什麼報?\n395100\t418217\t現在每一個人都有在看報嗎?你們現在金管的機制裡面還是用這種上古年代的做法喔?當然這可能是一個法定程序或是法規上有很多制度的漏洞那因為今天趙偉已經站起來我不想讓他為難啦你能不能夠針對這個個案提出一個完整的檢討報告給我趙偉可以嗎?可以沒問題趙偉可以可以可以教授他一下因為\n419246\t444721\t因為我們協調會他們派人實在是太蠻憨了我真的受不了金管會要好好處理委員的這個協調會對對我剛剛已經說這個報告我會什麼時候因為已經這個案子你們早就知道了啊什麼時候包括這個案子怎麼處理包括制度怎麼解決什麼時候給我一個簽討報告我們兩個禮拜給你兩個禮拜給委員報告好謝謝謝謝謝謝委員謝謝葉元之委員謝謝彭主委就是請審發會委員\n448059\t448381\t王博文議員\n","txt":"麻煩請金管會主委黃主委委員好主委好我這邊有一個陳情案有一個民眾他是在民國94年的時候經營不善\n後來因為這樣就積欠很多銀行錢然後後來到106年的時候因為有人他長輩要幫他還錢所以他就要提出一個清償計畫然後那當然因為他也因為很久以前的事情也不確定有跟哪個銀行借過錢就去廉徵查詢結果查到的都已經還了但是沒有想到在今年7月的時候忽然間他的房子就被查封了被誰查封呢?被臺灣金聯公司查封\n然後他現在也沒辦法不知道怎麼辦為什麼因為他要還錢的話他也要拿房子去貸款那現在也沒有貸款的機會了也找不到人幫忙所以眼看這個房子啊就要被法拍了沒有地方住那這個案子我們也辦公室也有協調過當時金管會就說管不了臺灣金聯這件事情我就覺得非常誇張臺灣金聯的請問一下主委臺灣金聯的供股是佔幾%\n關鼓站幾發?我問主委\n報告委員這個問題我確實沒講80%吧那是金融機構轉投資剛剛局長說那是金融機構轉投資政府並沒有投資那政府沒有投資那總是有間接持股嗎多少嗎沒有就是金融機構的投資我會議詢問財政部關股銀行是公股銀行的投資沒關係基本上關股也是影響到\n金管會應該要去我認為金管會要去管啦金管會要去管啦那現在有幾個問題第一個問題請問一下臺灣今年他可以在完全不通知這個人的情況之下直接去查封他的房子嗎如果是一般的銀行的做法是怎麼樣\n因為要查封人的財產應該是要根據一定的法律程序比如你要舉證你的債權跟法院申請才有辦法查封我們現在如果是銀行要去查封一個人的房子是不是會先催收然後會經過一個溝通你確實不想還的話呢當然最後程序就是查封你的房子嘛因為查封這個房子其實是蠻嚴重的一件事情他可能會讓人家很歸嘛對吧對 銀行也是希望能還錢的不是希望查封的\n為什麼這個臺灣金聯他會取得這個債權是因為合庫在因為我剛剛講他是94年跟合庫借的錢後來95年合庫就把大概轉讓了50萬給臺灣金聯公司臺灣金聯公司中間也都沒有處理在今年7月忽然間就去查封人家房子也沒有通知那這個人會覺得很奇怪為什麼第一個他跟連珍問過啊他就沒有這筆資料啊他以為該還都還了嘛\n政府機關可以這樣子喔?\n請報告人民當然他欠錢是有這個事實但是人在家中做忽然間就要被查封了然後跟主管機關反映主管機關說這不關我的事可以麻木不然人到這種地步喔當然如果說是我們這就是你們單位那時候來我們協調會講的話啊這我去趕快去解釋一下你覺得如果主委我現在在這個質詢台上問你你可以接受你們你們基本上會有這種態度嗎\n這個報告委員這個確實剛才講我們要先去了解一下狀況我才能跟您回覆這樣謝謝沒有沒有我告訴你嘛如果是有這件事情的話你可以接受嗎如果說剛才跟委員說過就假設我是一個房子我覺得我債務清償完畢突然被查封當然每個人都很驚訝不能接受嘛那居然會提供給你也許這個特例你幫忙協調一下嘛不願意說跟我無關\n為什麼他106年提出清償去向連珍去查的時候沒有這個資料為什麼為什麼\n這主要是剛才那個同仁跟我回答說如果他已經賣給已經移轉到臺金聯去的話他當然查不到那就是一個很大的漏洞阿你今天我們為什麼聯徵中心的存在不就是要讓大家查一下到底比如說你還有多少基欠\n李卓人議員\n你不覺得嗎?這個案子我想我再了解一下不是這個案子我現在就這個案子引發出來制度的討論在跟你就教嘛那你覺得是不是一個很大的漏洞?\n那你覺不覺得是一個很大的漏洞這個確實我覺得我現在還要真的瞭解他說這是常態的實務作業的模式的話那我現在也不方便評論不方便評論不方便評論我就跟你講說這是一個很大的漏洞只要這個人有債務的問題只要他轉賣給臺灣金聯這個在聯證中心就沒資料銀行也不知道民眾也不知道\n你覺得OK嗎?沒有這可能還牽涉到其他我想說從這部分請容我去了解一下我再其實已經找過你們了嘛你們下面的人就在推託我才會來質詢嘛你們會不會來開協調會的人有點擔當好不好第三個問你啦台灣今年那時候啊取得這個債權有登報啦然後那天來的台灣今年說我沒有登報啊那是他自己沒看到啊請問一下他登什麼報?\n現在每一個人都有在看報嗎?你們現在金管的機制裡面還是用這種上古年代的做法喔?當然這可能是一個法定程序或是法規上有很多制度的漏洞那因為今天趙偉已經站起來我不想讓他為難啦你能不能夠針對這個個案提出一個完整的檢討報告給我趙偉可以嗎?可以沒問題趙偉可以可以可以教授他一下因為\n因為我們協調會他們派人實在是太蠻憨了我真的受不了金管會要好好處理委員的這個協調會對對我剛剛已經說這個報告我會什麼時候因為已經這個案子你們早就知道了啊什麼時候包括這個案子怎麼處理包括制度怎麼解決什麼時候給我一個簽討報告我們兩個禮拜給你兩個禮拜給委員報告好謝謝謝謝謝謝委員謝謝葉元之委員謝謝彭主委就是請審發會委員\n王博文議員\n","vtt":"WEBVTT\n\n00:07.947 --> 00:19.726\n麻煩請金管會主委黃主委委員好主委好我這邊有一個陳情案有一個民眾他是在民國94年的時候經營不善\n\n00:20.456 --> 00:49.785\n後來因為這樣就積欠很多銀行錢然後後來到106年的時候因為有人他長輩要幫他還錢所以他就要提出一個清償計畫然後那當然因為他也因為很久以前的事情也不確定有跟哪個銀行借過錢就去廉徵查詢結果查到的都已經還了但是沒有想到在今年7月的時候忽然間他的房子就被查封了被誰查封呢?被臺灣金聯公司查封\n\n00:51.072 --> 01:19.850\n然後他現在也沒辦法不知道怎麼辦為什麼因為他要還錢的話他也要拿房子去貸款那現在也沒有貸款的機會了也找不到人幫忙所以眼看這個房子啊就要被法拍了沒有地方住那這個案子我們也辦公室也有協調過當時金管會就說管不了臺灣金聯這件事情我就覺得非常誇張臺灣金聯的請問一下主委臺灣金聯的供股是佔幾%\n\n01:21.563 --> 01:24.889\n關鼓站幾發?我問主委\n\n01:27.697 --> 01:49.869\n報告委員這個問題我確實沒講80%吧那是金融機構轉投資剛剛局長說那是金融機構轉投資政府並沒有投資那政府沒有投資那總是有間接持股嗎多少嗎沒有就是金融機構的投資我會議詢問財政部關股銀行是公股銀行的投資沒關係基本上關股也是影響到\n\n01:54.710 --> 02:13.220\n金管會應該要去我認為金管會要去管啦金管會要去管啦那現在有幾個問題第一個問題請問一下臺灣今年他可以在完全不通知這個人的情況之下直接去查封他的房子嗎如果是一般的銀行的做法是怎麼樣\n\n02:15.307 --> 02:43.946\n因為要查封人的財產應該是要根據一定的法律程序比如你要舉證你的債權跟法院申請才有辦法查封我們現在如果是銀行要去查封一個人的房子是不是會先催收然後會經過一個溝通你確實不想還的話呢當然最後程序就是查封你的房子嘛因為查封這個房子其實是蠻嚴重的一件事情他可能會讓人家很歸嘛對吧對銀行也是希望能還錢的不是希望查封的\n\n02:45.767 --> 03:10.055\n為什麼這個臺灣金聯他會取得這個債權是因為合庫在因為我剛剛講他是94年跟合庫借的錢後來95年合庫就把大概轉讓了50萬給臺灣金聯公司臺灣金聯公司中間也都沒有處理在今年7月忽然間就去查封人家房子也沒有通知那這個人會覺得很奇怪為什麼第一個他跟連珍問過啊他就沒有這筆資料啊他以為該還都還了嘛\n\n03:11.275 --> 03:11.795\n政府機關可以這樣子喔?\n\n03:38.960 --> 04:00.703\n請報告人民當然他欠錢是有這個事實但是人在家中做忽然間就要被查封了然後跟主管機關反映主管機關說這不關我的事可以麻木不然人到這種地步喔當然如果說是我們這就是你們單位那時候來我們協調會講的話啊這我去趕快去解釋一下你覺得如果主委我現在在這個質詢台上問你你可以接受你們你們基本上會有這種態度嗎\n\n04:02.365 --> 04:22.719\n這個報告委員這個確實剛才講我們要先去了解一下狀況我才能跟您回覆這樣謝謝沒有沒有我告訴你嘛如果是有這件事情的話你可以接受嗎如果說剛才跟委員說過就假設我是一個房子我覺得我債務清償完畢突然被查封當然每個人都很驚訝不能接受嘛那居然會提供給你也許這個特例你幫忙協調一下嘛不願意說跟我無關\n\n04:24.062 --> 04:26.805\n為什麼他106年提出清償去向連珍去查的時候沒有這個資料為什麼為什麼\n\n04:46.441 --> 05:02.216\n這主要是剛才那個同仁跟我回答說如果他已經賣給已經移轉到臺金聯去的話他當然查不到那就是一個很大的漏洞阿你今天我們為什麼聯徵中心的存在不就是要讓大家查一下到底比如說你還有多少基欠\n\n05:03.106 --> 05:03.426\n李卓人議員\n\n05:25.714 --> 05:36.275\n你不覺得嗎?這個案子我想我再了解一下不是這個案子我現在就這個案子引發出來制度的討論在跟你就教嘛那你覺得是不是一個很大的漏洞?\n\n05:39.586 --> 06:05.354\n那你覺不覺得是一個很大的漏洞這個確實我覺得我現在還要真的瞭解他說這是常態的實務作業的模式的話那我現在也不方便評論不方便評論不方便評論我就跟你講說這是一個很大的漏洞只要這個人有債務的問題只要他轉賣給臺灣金聯這個在聯證中心就沒資料銀行也不知道民眾也不知道\n\n06:06.354 --> 06:34.005\n你覺得OK嗎?沒有這可能還牽涉到其他我想說從這部分請容我去了解一下我再其實已經找過你們了嘛你們下面的人就在推託我才會來質詢嘛你們會不會來開協調會的人有點擔當好不好第三個問你啦台灣今年那時候啊取得這個債權有登報啦然後那天來的台灣今年說我沒有登報啊那是他自己沒看到啊請問一下他登什麼報?\n\n06:35.100 --> 06:58.217\n現在每一個人都有在看報嗎?你們現在金管的機制裡面還是用這種上古年代的做法喔?當然這可能是一個法定程序或是法規上有很多制度的漏洞那因為今天趙偉已經站起來我不想讓他為難啦你能不能夠針對這個個案提出一個完整的檢討報告給我趙偉可以嗎?可以沒問題趙偉可以可以可以教授他一下因為\n\n06:59.246 --> 07:24.721\n因為我們協調會他們派人實在是太蠻憨了我真的受不了金管會要好好處理委員的這個協調會對對我剛剛已經說這個報告我會什麼時候因為已經這個案子你們早就知道了啊什麼時候包括這個案子怎麼處理包括制度怎麼解決什麼時候給我一個簽討報告我們兩個禮拜給你兩個禮拜給委員報告好謝謝謝謝謝謝委員謝謝葉元之委員謝謝彭主委就是請審發會委員\n\n07:28.059 --> 07:28.381\n王博文議員\n\n","segments":[{"start":7.947,"end":19.726,"text":"麻煩請金管會主委黃主委委員好主委好我這邊有一個陳情案有一個民眾他是在民國94年的時候經營不善"},{"start":20.456,"end":49.785,"text":"後來因為這樣就積欠很多銀行錢然後後來到106年的時候因為有人他長輩要幫他還錢所以他就要提出一個清償計畫然後那當然因為他也因為很久以前的事情也不確定有跟哪個銀行借過錢就去廉徵查詢結果查到的都已經還了但是沒有想到在今年7月的時候忽然間他的房子就被查封了被誰查封呢?被臺灣金聯公司查封"},{"start":51.072,"end":79.85,"text":"然後他現在也沒辦法不知道怎麼辦為什麼因為他要還錢的話他也要拿房子去貸款那現在也沒有貸款的機會了也找不到人幫忙所以眼看這個房子啊就要被法拍了沒有地方住那這個案子我們也辦公室也有協調過當時金管會就說管不了臺灣金聯這件事情我就覺得非常誇張臺灣金聯的請問一下主委臺灣金聯的供股是佔幾%"},{"start":81.563,"end":84.889,"text":"關鼓站幾發?我問主委"},{"start":87.697,"end":109.869,"text":"報告委員這個問題我確實沒講80%吧那是金融機構轉投資剛剛局長說那是金融機構轉投資政府並沒有投資那政府沒有投資那總是有間接持股嗎多少嗎沒有就是金融機構的投資我會議詢問財政部關股銀行是公股銀行的投資沒關係基本上關股也是影響到"},{"start":114.71,"end":133.22,"text":"金管會應該要去我認為金管會要去管啦金管會要去管啦那現在有幾個問題第一個問題請問一下臺灣今年他可以在完全不通知這個人的情況之下直接去查封他的房子嗎如果是一般的銀行的做法是怎麼樣"},{"start":135.307,"end":163.946,"text":"因為要查封人的財產應該是要根據一定的法律程序比如你要舉證你的債權跟法院申請才有辦法查封我們現在如果是銀行要去查封一個人的房子是不是會先催收然後會經過一個溝通你確實不想還的話呢當然最後程序就是查封你的房子嘛因為查封這個房子其實是蠻嚴重的一件事情他可能會讓人家很歸嘛對吧對 銀行也是希望能還錢的不是希望查封的"},{"start":165.767,"end":190.055,"text":"為什麼這個臺灣金聯他會取得這個債權是因為合庫在因為我剛剛講他是94年跟合庫借的錢後來95年合庫就把大概轉讓了50萬給臺灣金聯公司臺灣金聯公司中間也都沒有處理在今年7月忽然間就去查封人家房子也沒有通知那這個人會覺得很奇怪為什麼第一個他跟連珍問過啊他就沒有這筆資料啊他以為該還都還了嘛"},{"start":191.275,"end":191.795,"text":"政府機關可以這樣子喔?"},{"start":218.96,"end":240.703,"text":"請報告人民當然他欠錢是有這個事實但是人在家中做忽然間就要被查封了然後跟主管機關反映主管機關說這不關我的事可以麻木不然人到這種地步喔當然如果說是我們這就是你們單位那時候來我們協調會講的話啊這我去趕快去解釋一下你覺得如果主委我現在在這個質詢台上問你你可以接受你們你們基本上會有這種態度嗎"},{"start":242.365,"end":262.719,"text":"這個報告委員這個確實剛才講我們要先去了解一下狀況我才能跟您回覆這樣謝謝沒有沒有我告訴你嘛如果是有這件事情的話你可以接受嗎如果說剛才跟委員說過就假設我是一個房子我覺得我債務清償完畢突然被查封當然每個人都很驚訝不能接受嘛那居然會提供給你也許這個特例你幫忙協調一下嘛不願意說跟我無關"},{"start":264.062,"end":266.805,"text":"為什麼他106年提出清償去向連珍去查的時候沒有這個資料為什麼為什麼"},{"start":286.441,"end":302.216,"text":"這主要是剛才那個同仁跟我回答說如果他已經賣給已經移轉到臺金聯去的話他當然查不到那就是一個很大的漏洞阿你今天我們為什麼聯徵中心的存在不就是要讓大家查一下到底比如說你還有多少基欠"},{"start":303.106,"end":303.426,"text":"李卓人議員"},{"start":325.714,"end":336.275,"text":"你不覺得嗎?這個案子我想我再了解一下不是這個案子我現在就這個案子引發出來制度的討論在跟你就教嘛那你覺得是不是一個很大的漏洞?"},{"start":339.586,"end":365.354,"text":"那你覺不覺得是一個很大的漏洞這個確實我覺得我現在還要真的瞭解他說這是常態的實務作業的模式的話那我現在也不方便評論不方便評論不方便評論我就跟你講說這是一個很大的漏洞只要這個人有債務的問題只要他轉賣給臺灣金聯這個在聯證中心就沒資料銀行也不知道民眾也不知道"},{"start":366.354,"end":394.005,"text":"你覺得OK嗎?沒有這可能還牽涉到其他我想說從這部分請容我去了解一下我再其實已經找過你們了嘛你們下面的人就在推託我才會來質詢嘛你們會不會來開協調會的人有點擔當好不好第三個問你啦台灣今年那時候啊取得這個債權有登報啦然後那天來的台灣今年說我沒有登報啊那是他自己沒看到啊請問一下他登什麼報?"},{"start":395.1,"end":418.217,"text":"現在每一個人都有在看報嗎?你們現在金管的機制裡面還是用這種上古年代的做法喔?當然這可能是一個法定程序或是法規上有很多制度的漏洞那因為今天趙偉已經站起來我不想讓他為難啦你能不能夠針對這個個案提出一個完整的檢討報告給我趙偉可以嗎?可以沒問題趙偉可以可以可以教授他一下因為"},{"start":419.246,"end":444.721,"text":"因為我們協調會他們派人實在是太蠻憨了我真的受不了金管會要好好處理委員的這個協調會對對我剛剛已經說這個報告我會什麼時候因為已經這個案子你們早就知道了啊什麼時候包括這個案子怎麼處理包括制度怎麼解決什麼時候給我一個簽討報告我們兩個禮拜給你兩個禮拜給委員報告好謝謝謝謝謝謝委員謝謝葉元之委員謝謝彭主委就是請審發會委員"},{"start":448.059,"end":448.381,"text":"王博文議員"}]}}},"gazette":{"lineno":1199,"blocks":[["葉委員元之：（12時55分）麻煩金管會主委。"],["主席：請彭主委。"],["彭主任委員金隆：委員好。"],["葉委員元之：主委好。我這邊有一個陳情案，有一個民眾在民國94年的時候經營不善，因為這樣就積欠很多銀行錢，後來到106年的時候，因為他的長輩要幫他還錢，所以他就要提出一個清償計畫，當然因為是很久以前的事情，他也不確定有跟哪個銀行借過錢，於是就去聯徵查詢，結果查到的都已經還了，但是沒有想到在今年7月的時候，忽然間他的房子就被查封，被誰查封？被台灣金聯公司查封，然後他現在也沒辦法，不知道怎麼辦，為什麼？因為他要還錢的話，他也要拿房子去貸款，但現在也沒有貸款的機會了，也找不到人幫忙，所以眼看這個房子就要被法拍了，沒有地方住。這個案子我們辦公室也有協調過，當時金管會就說管不了台灣金聯。這件事情我就覺得非常誇張，請問一下主委，台灣金聯的官股占多少？"],["莊局長琇媛：報告委員……"],["葉委員元之：我問主委。"],["彭主任委員金隆：報告委員，這個問題我確實沒掌握，我請局長……"],["葉委員元之：80%吧？多少？"],["彭主任委員金隆：剛剛局長說那是金融機構轉投資，政府並沒有投資。"],["葉委員元之：政府沒有投資，總是有間接持股嘛，多少？"],["彭主任委員金隆：沒有！就是金融機構的投資。"],["葉委員元之：我會議詢問。"],["彭主任委員金隆：是公股銀行的投資。"],["葉委員元之：沒關係。基本上官股也是影響到，我認為金管會要去管。現在有幾個問題，第一個問題，請問一下台灣金聯可以在完全不通知這個人的情況之下，直接去查封他房子嗎？如果是一般銀行的作法是怎麼樣？"],["彭主任委員金隆：要查封人的財產，應該是要根據一定的法律程序，比如你要舉證你的債權，跟法院申請，才有辦法查封。"],["葉委員元之：現在如果是銀行要去查封一個人的房子，是不是會先催收，然後會經過一個溝通，你確實不想還的話，當然最後程序就是查封你的房子嘛！因為查封房子其實是滿嚴重的一件事情。"],["彭主任委員金隆：我想實務上應該是這樣子。"],["葉委員元之：它可能會讓人家無家可歸嘛！對吧？"],["彭主任委員金隆：對，銀行也是希望能還錢，而不是希望查封。"],["葉委員元之：對嘛！可是為什麼台灣金聯會取得這個債權，我剛剛講他是94年跟合庫借的錢，後來95年合庫大概轉讓了50萬給台灣金聯公司，台灣金聯公司中間也都沒有處理，在今年7月忽然間就去查封人家房子，也沒有通知，這個會覺得很奇怪，為什麼？第一，他跟聯徵問過啊，就沒有這筆資料啊！他以為該還的都還了嘛！"],["彭主任委員金隆：是。"],["葉委員元之：第二，台灣金聯就算取得這個債權，也沒有跟他聯繫過啊，然後人在家中住，忽然間就得到查封通知，如果是主委你的話會不會覺得很訝異？"],["彭主任委員金隆：當然，任何一個人在沒有被知會的時候房子被查封，當然會很驚訝。"],["葉委員元之：這個部分可以協助去跟台灣金聯溝通嗎？"],["彭主任委員金隆：我們去了解一下這個狀況，如果……"],["葉委員元之：我們上次辦公室開協調會的時候，你們金管會的人就兩手一攤啊！這不歸我們管啊！政府機關可以這樣子喔？當然他欠錢是有這個事實，但是人在家中坐，忽然間就要被查封了，然後跟主管機關反映，主管機關說這不關我的事，可以麻木不仁到這種地步喔？"],["彭主任委員金隆：當然，如果說是我們……"],["葉委員元之：這就是你們單位那時候來我們協調會講的話啊！"],["彭主任委員金隆：這我趕快去了解一下。"],["葉委員元之：主委，我現在在這個質詢臺上問你，你可以接受你們金管會這種態度嗎？"],["彭主任委員金隆：報告委員，這個確實……剛才講了，我們要先去了解一下狀況，我才能跟您回復，謝謝。"],["葉委員元之：我告訴你嘛！如果有這件事情的話，你可以接受嗎？"],["彭主任委員金隆：剛才跟委員說過，假設我有一間房子，我覺得我的債務清償完畢，突然被查封，當然每個人都很驚訝。"],["葉委員元之：不能接受嘛！我提供給金管會，也許是個特例，你幫忙協調一下，不要說跟你無關！台灣金聯現在的董事長以前還做過你們金管會主委，關係這麼密切，然後說跟你無關，我真的不能接受金融主管機關是這樣的態度啦！"],["彭主任委員金隆：對，這個……"],["葉委員元之：第二個，我問你，他106年提出清償，為什麼去向聯徵查的時候沒有這個資料？"],["彭主任委員金隆：剛才同仁跟我說，如果他已經移轉到台金聯去的話，當然查不到。"],["葉委員元之：這就是一個很大漏洞啊！今天我們為什麼有聯徵中心存在？不就是要讓大家查一下，比如說你還有多少積欠的債務；第二個，也是讓其他銀行了解這個人的信用有沒有問題。結果你只要把債權賣給，比如說台灣金聯，這個資料就消失了，假設這個人信用很差，但是聯徵又查不到他的資料，他要去跟其他銀行借錢，銀行還以為他信用很好，再借錢給他。這是一個很大的漏洞，你不覺得嗎？"],["彭主任委員金隆：是，委員，這個案子我想我來了解一下……"],["葉委員元之：不是這個案子，我現在是就這個案子引發出來的制度問題在跟你討論、跟你就教，那你覺得是不是一個很大的漏洞？"],["彭主任委員金隆：如果有需要檢討的地方，我們會去……"],["葉委員元之：那你覺不覺得是一個很大的漏洞？"],["彭主任委員金隆：我覺得我現在還要再了解，如果這是常態的實務作業的模式的話，那我現在也不方便評論。"],["葉委員元之：不方便評論！我就跟你講說，這是一個很大的漏洞，這個人有債務的問題，只要他轉賣給台灣金聯，這個在聯徵中心就沒資料，銀行也不知道，民眾也不知道，你覺得OK嗎？"],["彭主任委員金隆：沒有，這可能還牽涉到其他的，這部分請容我去了解一下，我再跟委員回報。"],["葉委員元之：其實已經找過你們了嘛！你們下面的人就在推託，我才會來質詢嘛！你們來開協調會的人可不可以有一點擔當？","第三個問題，那時候台灣金聯取得這個債權有登報，那一天來的時候台灣金聯說，我們有登報，是他自己沒看到。請問一下，它登什麼報？現在每一個人都有在看報嗎？你們現在金管的機制還是用這種上古年代的作法喔？"],["彭主任委員金隆：當然這可能是一個法定程序或是法規上……"],["葉委員元之：因為有很多制度的漏洞，因為召委已經站起來，我不想讓他為難，你能不能夠針對這個個案提出一個完整的檢討報告給我？召委，可以嗎？"],["彭主任委員金隆：可以，沒問題。"],["葉委員元之：召委可以嗎？因為我們開協調會時他們派人實在是太顢頇了，我真的受不了。"],["主席：金管會要好好處理委員的這個協調會。"],["彭主任委員金隆：對，我剛剛已經說，這個報告我會……"],["葉委員元之：什麼時候？因為這個案子你們早就知道了，什麼時候？包括這個案子怎麼處理，包括制度怎麼解決，什麼時候給我一個檢討報告？"],["彭主任委員金隆：我們兩個禮拜給委員報告。"],["葉委員元之：好，謝謝。"],["彭主任委員金隆：謝謝委員。"],["主席：謝謝葉元之委員、謝謝彭主委。","接著請沈發惠委員。"]],"agenda":{"page_end":308,"meet_id":"委員會-11-2-20-4","speakers":["陳玉珍","林德福","吳秉叡","郭國文","賴惠員","李彥秀","李坤城","賴士葆","顏寬恒","黃珊珊","伍麗華Saidhai‧Tahovecahe","王鴻薇","王世堅","廖先翔","黃國昌","鍾佳濱","葉元之","沈發惠","葛如鈞","賴瑞隆","羅明才","邱志偉","林楚茵"],"page_start":225,"meetingDate":["2024-10-24"],"gazette_id":"1138901","agenda_lcidc_ids":["1138901_00005"],"meet_name":"立法院第11屆第2會期財政委員會第4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、財政部莊部長翠雲、中央銀行、國家發展委員會、經\n濟部、交通部就「政府推動臺灣成為亞洲資產管理中心之具體作為暨如何協助金融科技及新創產\n業籌資現況與未來發展」進行專題報告，並備質詢","agenda_id":"1138901_00004"}}}