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34.275, \"score\": 0.999}, {\"word\": \"先\", \"start\": 34.275, \"end\": 35.576, \"score\": 0.953}, {\"word\": \"請\"}, {\"word\": \"問\"}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 35.576, \"end\": 35.856, \"score\": 0.997}, {\"word\": \"局\", \"start\": 35.856, \"end\": 36.136, \"score\": 1.0}, {\"word\": \"局\", \"start\": 36.136, \"end\": 37.236, \"score\": 0.978}, {\"word\": \"長\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"主\", \"start\": 37.236, \"end\": 38.437, \"score\": 0.916}, {\"word\": \"任\", \"start\": 38.437, \"end\": 38.657, \"score\": 0.997}, {\"word\": \"公\", \"start\": 38.657, \"end\": 38.897, \"score\": 1.0}, {\"word\": \"司\", \"start\": 38.897, \"end\": 39.577, \"score\": 0.97}, {\"word\": \"貴\"}, {\"word\": \"不\", \"start\": 39.577, \"end\": 39.877, \"score\": 0.926}, {\"word\": \"貴\"}, {\"word\": \"你\", \"start\": 39.877, \"end\": 40.137, \"score\": 0.933}, {\"word\": \"管\", \"start\": 40.137, \"end\": 41.018, \"score\": 0.978}, {\"word\": \"他\", \"start\": 41.018, \"end\": 41.238, \"score\": 0.987}, {\"word\": \"是\", \"start\": 41.238, \"end\": 41.598, \"score\": 0.944}, {\"word\": \"銀\"}, {\"word\": \"行\", \"start\": 41.598, \"end\": 42.398, \"score\": 0.971}, {\"word\": \"還\"}, {\"word\": \"是\", \"start\": 42.398, \"end\": 43.038, \"score\": 1.0}, {\"word\": \"只\", \"start\": 43.038, \"end\": 43.198, \"score\": 0.943}, {\"word\": \"是\", \"start\": 43.198, \"end\": 43.438, \"score\": 0.994}, {\"word\": \"一\", \"start\": 43.438, \"end\": 44.059, \"score\": 0.968}, {\"word\": \"個\"}, {\"word\": \"法\", \"start\": 44.059, \"end\": 44.279, \"score\": 0.915}, {\"word\": \"人\", \"start\": 44.279, \"end\": 44.299, \"score\": 0.994}, {\"word\": \"機\"}, {\"word\": \"構\"}]}, {\"start\": 47.626, \"end\": 64.941, \"text\": \"目前我們定義它還只是一般的法人機構那我們現在正在考慮先把它納到金保法裡面針對消費者權益的部分來管理多久會把它納入這個部分的話你在議期多久會納入\", \"words\": [{\"word\": \"目\", \"start\": 47.626, \"end\": 47.866, \"score\": 1.0}, {\"word\": \"前\", \"start\": 47.866, \"end\": 48.086, 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{\"word\": \"現\"}, {\"word\": \"在\", \"start\": 52.53, \"end\": 52.75, \"score\": 1.0}, {\"word\": \"正\", \"start\": 52.75, \"end\": 52.93, \"score\": 0.998}, {\"word\": \"在\", \"start\": 52.93, \"end\": 53.151, \"score\": 1.0}, {\"word\": \"考\", \"start\": 53.151, \"end\": 53.651, \"score\": 0.942}, {\"word\": \"慮\"}, {\"word\": \"先\", \"start\": 53.651, \"end\": 53.951, \"score\": 0.991}, {\"word\": \"把\", \"start\": 53.951, \"end\": 54.151, \"score\": 1.0}, {\"word\": \"它\", \"start\": 54.151, \"end\": 54.672, \"score\": 0.948}, {\"word\": \"納\"}, {\"word\": \"到\", \"start\": 54.672, \"end\": 55.052, \"score\": 0.999}, {\"word\": \"金\", \"start\": 55.052, \"end\": 55.272, \"score\": 0.946}, {\"word\": \"保\", \"start\": 55.272, \"end\": 55.553, \"score\": 0.943}, {\"word\": \"法\", \"start\": 55.553, \"end\": 55.953, \"score\": 0.95}, {\"word\": \"裡\"}, {\"word\": \"面\", \"start\": 55.953, \"end\": 56.894, \"score\": 0.956}, {\"word\": \"針\"}, {\"word\": \"對\"}, {\"word\": \"消\", \"start\": 56.894, \"end\": 57.294, \"score\": 0.95}, {\"word\": \"費\"}, {\"word\": \"者\", \"start\": 57.294, \"end\": 57.715, \"score\": 0.916}, {\"word\": \"權\"}, {\"word\": \"益\", \"start\": 57.715, \"end\": 57.875, \"score\": 0.954}, {\"word\": \"的\", \"start\": 57.875, \"end\": 58.055, \"score\": 0.999}, {\"word\": \"部\", \"start\": 58.055, \"end\": 58.255, \"score\": 1.0}, {\"word\": \"分\", \"start\": 58.255, \"end\": 59.076, \"score\": 0.964}, {\"word\": \"來\"}, {\"word\": \"管\", \"start\": 59.076, \"end\": 59.396, \"score\": 1.0}, {\"word\": \"理\", \"start\": 59.396, \"end\": 60.017, \"score\": 1.0}, {\"word\": \"多\", \"start\": 60.017, \"end\": 60.277, \"score\": 1.0}, {\"word\": \"久\", \"start\": 60.277, \"end\": 60.677, \"score\": 0.946}, {\"word\": \"會\"}, {\"word\": \"把\", \"start\": 60.677, \"end\": 60.818, \"score\": 1.0}, {\"word\": \"它\", \"start\": 60.818, \"end\": 61.278, \"score\": 0.929}, {\"word\": \"納\"}, {\"word\": \"入\", \"start\": 61.278, \"end\": 63.08, \"score\": 0.977}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"部\", \"start\": 63.08, \"end\": 63.3, \"score\": 1.0}, {\"word\": \"分\", \"start\": 63.3, \"end\": 63.52, \"score\": 0.966}, {\"word\": \"的\", \"start\": 63.52, \"end\": 63.78, \"score\": 0.997}, {\"word\": \"話\"}, {\"word\": \"你\", \"start\": 63.78, \"end\": 64.101, \"score\": 0.937}, {\"word\": \"在\", \"start\": 64.101, \"end\": 64.321, \"score\": 0.909}, {\"word\": \"議\"}, {\"word\": \"期\", \"start\": 64.321, \"end\": 64.561, \"score\": 0.857}, {\"word\": \"多\", \"start\": 64.561, \"end\": 64.781, \"score\": 1.0}, {\"word\": \"久\", \"start\": 64.781, \"end\": 64.921, \"score\": 0.984}, {\"word\": \"會\"}, {\"word\": \"納\"}, {\"word\": \"入\", \"start\": 64.921, \"end\": 64.941, \"score\": 0.0}]}, {\"start\": 66.038, \"end\": 82.294, \"text\": \"我們現在所有的法制規定都已經準備好了我們只要先預告完預告那個結束我們就可以開始做這個在法制上面應該可以預告啦這個預告的時程大概會放在什麼時候因為我們現在還要還要那個那立法院還要溝通還有就是\", \"words\": [{\"word\": \"我\", \"start\": 66.038, \"end\": 66.539, \"score\": 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\"告\", \"start\": 76.148, \"end\": 76.328, \"score\": 0.964}, {\"word\": \"的\", \"start\": 76.328, \"end\": 76.649, \"score\": 0.935}, {\"word\": \"時\"}, {\"word\": \"程\", \"start\": 76.649, \"end\": 76.869, \"score\": 0.91}, {\"word\": \"大\", \"start\": 76.869, \"end\": 76.989, \"score\": 0.997}, {\"word\": \"概\", \"start\": 76.989, \"end\": 77.349, \"score\": 0.888}, {\"word\": \"會\"}, {\"word\": \"放\", \"start\": 77.349, \"end\": 77.53, \"score\": 0.889}, {\"word\": \"在\", \"start\": 77.53, \"end\": 77.71, \"score\": 0.985}, {\"word\": \"什\", \"start\": 77.71, \"end\": 78.11, \"score\": 0.88}, {\"word\": \"麼\"}, {\"word\": \"時\"}, {\"word\": \"候\", \"start\": 78.11, \"end\": 78.451, \"score\": 0.999}, {\"word\": \"因\", \"start\": 78.451, \"end\": 78.591, \"score\": 0.851}, {\"word\": \"為\"}, {\"word\": \"我\", \"start\": 78.591, \"end\": 78.771, \"score\": 0.779}, {\"word\": \"們\"}, {\"word\": \"現\"}, {\"word\": \"在\", \"start\": 78.771, \"end\": 79.071, \"score\": 0.863}, {\"word\": \"還\"}, {\"word\": \"要\", \"start\": 79.071, \"end\": 79.752, \"score\": 0.971}, {\"word\": \"還\"}, {\"word\": \"要\", \"start\": 79.752, \"end\": 80.272, \"score\": 0.995}, {\"word\": \"那\", \"start\": 80.272, \"end\": 80.713, \"score\": 0.955}, {\"word\": \"個\"}, {\"word\": \"那\", \"start\": 80.713, \"end\": 80.813, \"score\": 0.902}, {\"word\": \"立\", \"start\": 80.813, \"end\": 80.933, \"score\": 0.886}, {\"word\": \"法\", \"start\": 80.933, \"end\": 81.073, \"score\": 0.833}, {\"word\": \"院\", \"start\": 81.073, \"end\": 81.293, \"score\": 0.843}, {\"word\": \"還\"}, {\"word\": \"要\", \"start\": 81.293, \"end\": 81.614, \"score\": 0.937}, {\"word\": \"溝\"}, {\"word\": \"通\", \"start\": 81.614, \"end\": 82.034, \"score\": 0.947}, {\"word\": \"還\"}, {\"word\": \"有\", \"start\": 82.034, \"end\": 82.154, \"score\": 0.998}, {\"word\": \"就\", \"start\": 82.154, \"end\": 82.274, \"score\": 0.862}, {\"word\": \"是\", \"start\": 82.274, \"end\": 82.294, \"score\": 0.085}]}, {\"start\": 83.416, \"end\": 93.928, \"text\": \"因為可能還要再開過幾次公聽會以後才才能夠要開過幾次的公聽會我們上次有開過一個小事還要兩次的公聽會還有兩次的公聽會那這兩次的公聽會你會給他壓縮到什麼樣的一個時間呢\", \"words\": [{\"word\": \"因\", \"start\": 83.416, \"end\": 83.616, \"score\": 0.873}, {\"word\": \"為\"}, {\"word\": \"可\", \"start\": 83.616, \"end\": 83.716, \"score\": 0.998}, {\"word\": \"能\", \"start\": 83.716, \"end\": 83.916, \"score\": 0.824}, {\"word\": \"還\"}, {\"word\": \"要\", \"start\": 83.916, \"end\": 84.237, \"score\": 0.998}, {\"word\": \"再\", \"start\": 84.237, \"end\": 84.897, \"score\": 0.878}, {\"word\": \"開\"}, {\"word\": \"過\"}, {\"word\": \"幾\"}, {\"word\": \"次\", \"start\": 84.897, \"end\": 85.518, \"score\": 0.99}, {\"word\": \"公\", \"start\": 85.518, \"end\": 85.999, \"score\": 0.897}, {\"word\": \"聽\"}, {\"word\": \"會\"}, {\"word\": \"以\", \"start\": 85.999, \"end\": 86.079, \"score\": 0.915}, {\"word\": \"後\", \"start\": 86.079, \"end\": 86.279, \"score\": 0.899}, {\"word\": \"才\", \"start\": 86.279, \"end\": 86.839, \"score\": 0.995}, {\"word\": \"才\", \"start\": 86.839, \"end\": 86.98, \"score\": 0.958}, {\"word\": \"能\", \"start\": 86.98, \"end\": 87.42, \"score\": 0.935}, {\"word\": \"夠\"}, {\"word\": \"要\", \"start\": 87.42, \"end\": 88.121, \"score\": 0.911}, {\"word\": \"開\"}, {\"word\": \"過\"}, {\"word\": \"幾\"}, {\"word\": \"次\", \"start\": 88.121, \"end\": 88.261, \"score\": 0.983}, {\"word\": \"的\", \"start\": 88.261, \"end\": 88.401, \"score\": 0.999}, {\"word\": \"公\", \"start\": 88.401, \"end\": 88.982, \"score\": 0.901}, {\"word\": \"聽\"}, {\"word\": \"會\"}, {\"word\": \"我\", \"start\": 88.982, \"end\": 89.202, \"score\": 0.905}, {\"word\": \"們\"}, {\"word\": \"上\", \"start\": 89.202, \"end\": 89.402, \"score\": 0.9}, {\"word\": \"次\", \"start\": 89.402, \"end\": 89.523, \"score\": 0.835}, {\"word\": \"有\", \"start\": 89.523, \"end\": 90.023, \"score\": 0.901}, {\"word\": \"開\"}, {\"word\": \"過\"}, {\"word\": \"一\", \"start\": 90.023, \"end\": 90.143, \"score\": 0.833}, {\"word\": \"個\"}, {\"word\": \"小\", 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\"好各位再回到上個月就是我們國民黨的委員有召開一個融資公司納入軍保法的一個協調會那我要知道就是說這個協調會裡頭軍管會有沒有受到施壓其實這不是施壓就是說我們要溝通因為我們要請把他們納管的時候他們有疑議那我們想說我們盡量解釋清楚所以剛才講過\", \"words\": [{\"word\": \"好\", \"start\": 725.558, \"end\": 725.798, \"score\": 0.864}, {\"word\": \"各\", \"start\": 725.798, \"end\": 725.978, \"score\": 0.887}, {\"word\": \"位\", \"start\": 725.978, \"end\": 726.498, \"score\": 0.976}, {\"word\": \"再\", \"start\": 726.498, \"end\": 726.738, \"score\": 0.912}, {\"word\": \"回\", \"start\": 726.738, \"end\": 727.078, \"score\": 0.998}, {\"word\": \"到\", \"start\": 727.078, \"end\": 727.698, \"score\": 0.924}, {\"word\": \"上\", \"start\": 727.698, \"end\": 728.159, \"score\": 0.954}, {\"word\": \"個\"}, {\"word\": \"月\", \"start\": 728.159, \"end\": 728.439, \"score\": 0.919}, {\"word\": \"就\", \"start\": 728.439, \"end\": 728.599, \"score\": 0.998}, {\"word\": \"是\", \"start\": 728.599, \"end\": 728.759, \"score\": 0.999}, {\"word\": \"我\", \"start\": 728.759, \"end\": 729.139, \"score\": 0.895}, {\"word\": \"們\"}, 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\"score\": 0.595}]}, {\"start\": 759.338, \"end\": 784.992, \"text\": \"所以沒有施壓那就是說溝通的一部分所以我們這個金融消費者的一個保護法我們會加速是是我們是希望趕快因為社會對這個東西的期待現在是沒有施壓的話你就會加速嘛對不對他有一定的程序啦我想我還是尊重所有的程序就是照著這個程序然後會再加速當然我們能加速我們盡量加速但是我們社會要有共識還是很重要\", \"words\": [{\"word\": \"所\", \"start\": 759.338, \"end\": 759.458, \"score\": 0.84}, {\"word\": \"以\", \"start\": 759.458, \"end\": 759.899, \"score\": 0.871}, {\"word\": \"沒\", \"start\": 759.899, \"end\": 760.039, \"score\": 0.746}, {\"word\": \"有\", \"start\": 760.039, \"end\": 761.359, \"score\": 0.954}, {\"word\": \"施\", \"start\": 761.359, \"end\": 762.34, \"score\": 0.878}, {\"word\": \"壓\"}, {\"word\": \"那\", \"start\": 762.34, \"end\": 762.68, \"score\": 0.94}, {\"word\": \"就\", \"start\": 762.68, \"end\": 762.94, \"score\": 0.911}, {\"word\": \"是\", \"start\": 762.94, \"end\": 763.32, \"score\": 0.895}, {\"word\": \"說\"}, {\"word\": \"溝\"}, {\"word\": \"通\", \"start\": 763.32, \"end\": 763.521, \"score\": 0.948}, {\"word\": \"的\", \"start\": 763.521, \"end\": 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00:01:22,294\n我們現在所有的法制規定都已經準備好了我們只要先預告完預告那個結束我們就可以開始做這個在法制上面應該可以預告啦這個預告的時程大概會放在什麼時候因為我們現在還要還要那個那立法院還要溝通還有就是\n\n5\n00:01:23,416 --> 00:01:33,928\n因為可能還要再開過幾次公聽會以後才才能夠要開過幾次的公聽會我們上次有開過一個小事還要兩次的公聽會還有兩次的公聽會那這兩次的公聽會你會給他壓縮到什麼樣的一個時間呢\n\n6\n00:01:37,912 --> 00:01:53,555\n沒有他只要是通過以後大家有共識以後我們現在法制作業都準備了我們公告以後一定的時間就實施了我希望你可以切切的給本席一個就是時間點那你是三個月還是半年我覺得這個是非常重要的\n\n7\n00:01:57,755 --> 00:02:14,444\n法規的話我們的預告是60天假設我們現在從今天是60天準備兩個月但我覺得最快的時間從預告開始應該4到5個月應該就可以上路那有沒有辦法就是說在5個月內那我們把它完成\n\n8\n00:02:14,946 --> 00:02:31,577\n就是我們先要完成假設溝通程序結束的話我們五個月之內是可以完成好謝謝我想這個我們要正式主任業在監管套利的一個問題我們當然非常清楚就是說主任公司他其實是根據公司法他所設立的合法設立的\n\n9\n00:02:32,037 --> 00:02:59,141\n他其實最重要的業務他還是放在就是租借設備還有工具然後就是融資給企業或是個人可是主委你看從上面的這一份整理出來的一個資料我們看這前面在上一頁我們看到了就是說我們三家上市的租賃公司裡頭不管是中租那個育融還是那個核任\n\n10\n00:02:59,981 --> 00:03:27,738\n他在個人的車輛的一個融資占比都占了他的業務比跟華人的融資幾乎是快要非常接近了一個43一個53那尤其就是說他其實最主要的業務是在中小企業的一個融資可是之前我們非常在意的就是先買後戶這個個人的一個車資方面他接近了一半的一個規模業務的一個規模\n\n11\n00:03:29,719 --> 00:03:58,646\n那所以在這裡特別跟那個主委強調的就是說他其實這個三家公司他們的企業規模占總體的租賃業的一個規模是90%這已經相當多囉是他們是三個很大的租賃公司是啊那這個比銀行更靈活的方式借給消費者那我們又沒有辦法去保護消費者剛才銀行局的局長講得非常清楚\n\n12\n00:04:00,270 --> 00:04:26,016\n他講什麼那個主委你有沒有聽到就是我們會用金融消保法來納管會納管對一定會納管這要經過剛剛的法規的這個算不算是普惠金融當然普惠金融是看從他的比如他的服務面其實假設其實我們必須講融資公司在過去對在企業金融部分他是其實扮演非常非常的一個也是有他一定的角色跟貢獻當然\n\n13\n00:04:26,796 --> 00:04:42,749\n當然但最近衍生的問題都是出在個人金融就比如說這個跟車貸或是先買後付這些的內容而來所以這要切開就是說其實他們不是所有的業務都是我們現在未來納管金融消費者保護法管的就是\n\n14\n00:04:43,730 --> 00:05:09,764\n個人業務就是法人業務是不會不會受到影響的所以我們也是會加強溝通那那個主委先生在本席在跟你探討的第7波我們的打黃那事實上我們慢慢的有調整到就是說整個就是房地產慢慢歸向一個比較正常的一個狀況那如果在銀行法第72支2條裡頭規定的時候就是公股銀行他的\n\n15\n00:05:10,484 --> 00:05:35,160\n那個不可以換款不動產也不能超過不能超過就是存款的餘額的30%可是融資公司在這一個這一個72支2條他其實找到了一個破洞他如何去就是說他形同去規避就是銀行法他把借來的錢然後借給那個建設公司那你怎麼看呢\n\n16\n00:05:35,620 --> 00:05:53,883\n其實我們在12月13號的時候我們就發了一個函給銀行公會要求他們做到像剛剛委員所報告這件事情第一個如果說第一個他一定要做好貸後管理比如說你的用途跟你的貸款的目的應該是要相符銀行要去做這樣的一個勾結\n\n17\n00:05:55,064 --> 00:06:02,886\n二、一般放款流入不動產,銀行要納入不動產風險管理機制也要記錄信用管制範圍,這樣就會納入規定二、未來要做好控管,對這個問題我們會避免成為管理銀行風險的漏洞\n\n18\n00:06:23,590 --> 00:06:38,207\n你這個12月13號你提出來這個是行政命令那是不是你會再討論就是說主任公司專法的一個就是討論啊現在是這樣我們設定一個專法的討論是不是會更周全\n\n19\n00:06:38,547 --> 00:07:07,896\n我們是兩路並進第一個我們是希望說因為我們的專法從民國85年開始討論到現在中間有很多的分歧很多的不同的意義所以這代表說整合是比較困難但是我們覺得說如果要解決這個問題專法也是個方法所以我們已經委託委外研究我們也正在做這個專法的研究但是呢專法要通過要經過一段可能不知道多久的時間但我覺得這種空窗不能等所以我們用金寶法來做一個納管\n\n20\n00:07:08,396 --> 00:07:10,538\n二、審查中華民國114年度中央政府總預算案有關金融監督管理委員會主管中華民國114年度中央政府總預算案有\n\n21\n00:07:38,118 --> 00:07:55,009\n這個有多嚴重他其實主任公司他佔了3%然後你的23家信用合作社才佔了2%這個其實我們都是從各種數據裡頭是要跟這個主委去探討就是說主任公司其實在整個市場上\n\n22\n00:07:57,491 --> 00:08:17,772\n市場上佔了一個很大的比例那如果我們還無法可管的話那這算不算是對窮人的普惠金融那我就覺得說金管會是不是有懈責呢主委你的看法其實我剛剛跟委員報告過我們是希望同一個行為同一個風險同一個管理\n\n23\n00:08:18,513 --> 00:08:38,826\n那假設比如說融資行為已經做到比如說類金融的這樣服務而且呢他真的對消費者有產生這樣一個這個這個負面的影響我們當然就像我剛剛跟委員報告了我們還是希望站在保護消費者弱勢的角度由公權力介入所以我們現在已經在積極在做這件事\n\n24\n00:08:40,827 --> 00:09:03,475\n我再跟你看一個我們就是說我們去把它從金融機構跟租賃公司的貸款條件裡頭我們去做了一些比較就是說銀行其實銀行基本上就是說在不良的一個信貸還是說信用的瑕疵利息的高低還有就是法規的法規的一個保障在銀行裡頭做得非常的好\n\n25\n00:09:04,815 --> 00:09:27,527\n那主任公司你看起來就是有一點就是非常的有有這個這個說起來就是這樣子就是說其實他看起來這個整體而言這個資料來源是從中都那個中低那個中株底核這裡頭做出來的其實我覺得他這一張圖裡頭某種程度\n\n26\n00:09:30,048 --> 00:09:34,152\n市場上不同的融資管道他們要求的標準不同為什麼銀行要這麼久因為我們對銀行的管理跟他\n\n27\n00:09:51,249 --> 00:10:12,092\n有很大的不同銀行我沒有對他的機構做管理比如說你的資本要求、內控、內機這些都有要求所以他要執行這些東西他成本也比較高但他安全性比較高對民眾保障比較多但是有些人確實他的債券條件沒有那麼好的時候或他的很多的彈性不夠他就會跑去另外一個管道這個管道並不是說都是不好的\n\n28\n00:10:12,792 --> 00:10:40,206\n不同的債性只是說我們不管怎麼樣契約公平公平對待每一個客戶我想這是一個基本的道理所以我們才會進行這樣的納管主委我想就是說後續的就是說不管是不是比照金融機構他公開他的財務的一個資訊還是說主任公司他的一個信手目前的一個進度那最重要的我要跟主委做一個要求\n\n29\n00:10:40,926 --> 00:11:07,959\n租賃公司的一個授信的守則如何落實這一個穿透式的一個管理就是從你金管會你去管銀行然後銀行再來管租賃這個有沒有辦法做到?你在未來有沒有辦法做到?我們現在已經有這個東西我們再把它強化就可以了就是實際上應該都有這個部分我們已經透過銀行的授信跟那個租賃公司之間有一個管理包括我剛剛跟委員報告12月13號那個那個規定也是\n\n30\n00:11:10,677 --> 00:11:24,241\n好,所以你逐步在講了嘛,所以我們也看到中租它在那個上個禮拜它發表,它發布了一個那個重訓,它講說它的董事會跟兆豐銀行簽訂了一個65億元的聯合授信合約\n\n31\n00:11:29,778 --> 00:11:40,195\n那個主委我看到這一個信息其實我是更害怕他等於就是說他把這個兆豐抓進來就是他變成本來沒白變有白喔\n\n32\n00:11:41,431 --> 00:12:04,638\n本來看起來我們還可以就是去質疑他的一個信用現在變成是有信用的所以這個是我們比較擔心的一個議題所以你要加快腳步這個我們因為他其實中蘇本身也是一個上市公司他有他的業務他跟銀行做一個融資只要不要流入剛才講的我們所要所要擔心的那個範圍這是他正常業務的範圍\n\n33\n00:12:05,558 --> 00:12:27,143\n好各位再回到上個月就是我們國民黨的委員有召開一個融資公司納入軍保法的一個協調會那我要知道就是說這個協調會裡頭軍管會有沒有受到施壓其實這不是施壓就是說我們要溝通因為我們要請把他們納管的時候他們有疑議那我們想說我們盡量解釋清楚所以剛才講過\n\n34\n00:12:28,283 --> 00:12:38,016\n我們當然是希望盡快實施若一一趕快來跟我們溝通我們希望說這個比如這個這個協調或公聽會趕快開始大家有什麼問題我們把它溝通完畢以後可以及早上路啊\n\n35\n00:12:39,338 --> 00:13:04,992\n所以沒有施壓那就是說溝通的一部分所以我們這個金融消費者的一個保護法我們會加速是是我們是希望趕快因為社會對這個東西的期待現在是沒有施壓的話你就會加速嘛對不對他有一定的程序啦我想我還是尊重所有的程序就是照著這個程序然後會再加速當然我們能加速我們盡量加速但是我們社會要有共識還是很重要\n\n36\n00:13:05,592 --> 00:13:30,980\n社會共識是是謝謝好謝謝那我希望就是金管會在一個月內就是對於就是會中討論就是融資公司納入那個金保法的一個協調會裡頭的一個討論事項你是不是有一些比較具體的看法在一個月內提出一個書面的報告給本席沒問題我們盡快提供謝謝謝謝謝謝主席好謝謝那位委員接著我們請王洪威委員\n\n","tsv":"start\tend\ttext\n209\t26173\t主委還有我們銀行局局長委員早安是主委早安主委那個今天要跟你討論的是租賃公司他的一個套利的問題還有租賃公司的一個融資的問題還有你如何管理租賃公司這些問題那事實上在這一陣子我們看到有幾個委員不管是\n27333\t44299\t王世堅委員、郭國文委員他也針對這些事情跟金管會做一個探討在這裡我要先請問銀行局局長這個主任公司貴不貴你管他是銀行還是只是一個法人機構\n47626\t64941\t目前我們定義它還只是一般的法人機構那我們現在正在考慮先把它納到金保法裡面針對消費者權益的部分來管理多久會把它納入這個部分的話你在議期多久會納入\n66038\t82294\t我們現在所有的法制規定都已經準備好了我們只要先預告完預告那個結束我們就可以開始做這個在法制上面應該可以預告啦這個預告的時程大概會放在什麼時候因為我們現在還要還要那個那立法院還要溝通還有就是\n83416\t93928\t因為可能還要再開過幾次公聽會以後才才能夠要開過幾次的公聽會我們上次有開過一個小事還要兩次的公聽會還有兩次的公聽會那這兩次的公聽會你會給他壓縮到什麼樣的一個時間呢\n97912\t113555\t沒有他只要是通過以後大家有共識以後我們現在法制作業都準備了我們公告以後一定的時間就實施了我希望你可以切切的給本席一個就是時間點那你是三個月還是半年我覺得這個是非常重要的\n117755\t134444\t法規的話我們的預告是60天假設我們現在從今天是60天準備兩個月但我覺得最快的時間從預告開始應該4到5個月應該就可以上路那有沒有辦法就是說在5個月內那我們把它完成\n134946\t151577\t就是我們先要完成假設溝通程序結束的話我們五個月之內是可以完成好 謝謝我想這個我們要正式主任業在監管套利的一個問題我們當然非常清楚就是說主任公司他其實是根據公司法他所設立的合法設立的\n152037\t179141\t他其實最重要的業務他還是放在就是租借設備還有工具然後就是融資給企業或是個人可是主委你看從上面的這一份整理出來的一個資料我們看這前面在上一頁我們看到了就是說我們三家上市的租賃公司裡頭不管是中租那個育融還是那個核任\n179981\t207738\t他在個人的車輛的一個融資占比都占了他的業務比跟華人的融資幾乎是快要非常接近了一個43一個53那尤其就是說他其實最主要的業務是在中小企業的一個融資可是之前我們非常在意的就是先買後戶這個個人的一個車資方面他接近了一半的一個規模業務的一個規模\n209719\t238646\t那所以在這裡特別跟那個主委強調的就是說他其實這個三家公司他們的企業規模占總體的租賃業的一個規模是90%這已經相當多囉是他們是三個很大的租賃公司是啊那這個比銀行更靈活的方式借給消費者那我們又沒有辦法去保護消費者剛才銀行局的局長講得非常清楚\n240270\t266016\t他講什麼那個主委你有沒有聽到就是我們會用金融消保法來納管會納管對一定會納管這要經過剛剛的法規的這個算不算是普惠金融當然普惠金融是看從他的比如他的服務面其實假設其實我們必須講融資公司在過去對在企業金融部分他是其實扮演非常非常的一個也是有他一定的角色跟貢獻當然\n266796\t282749\t當然但最近衍生的問題都是出在個人金融就比如說這個跟車貸或是先買後付這些的內容而來所以這要切開就是說其實他們不是所有的業務都是我們現在未來納管金融消費者保護法管的就是\n283730\t309764\t個人業務就是法人業務是不會不會受到影響的所以我們也是會加強溝通那那個主委先生在本席在跟你探討的第7波我們的打黃那事實上我們慢慢的有調整到就是說整個就是房地產慢慢歸向一個比較正常的一個狀況那如果在銀行法第72支2條裡頭規定的時候就是公股銀行他的\n310484\t335160\t那個不可以換款不動產也不能超過不能超過就是存款的餘額的30%可是融資公司在這一個這一個72支2條他其實找到了一個破洞他如何去就是說他形同去規避就是銀行法他把借來的錢然後借給那個建設公司那你怎麼看呢\n335620\t353883\t其實我們在12月13號的時候我們就發了一個函給銀行公會要求他們做到像剛剛委員所報告這件事情第一個如果說第一個他一定要做好貸後管理比如說你的用途跟你的貸款的目的應該是要相符銀行要去做這樣的一個勾結\n355064\t362886\t二、一般放款流入不動產,銀行要納入不動產風險管理機制也要記錄信用管制範圍,這樣就會納入規定二、未來要做好控管,對這個問題我們會避免成為管理銀行風險的漏洞\n383590\t398207\t你這個12月13號你提出來這個是行政命令那是不是你會再討論就是說主任公司專法的一個就是討論啊現在是這樣我們設定一個專法的討論是不是會更周全\n398547\t427896\t我們是兩路並進第一個我們是希望說因為我們的專法從民國85年開始討論到現在中間有很多的分歧很多的不同的意義所以這代表說整合是比較困難但是我們覺得說如果要解決這個問題專法也是個方法所以我們已經委託委外研究我們也正在做這個專法的研究但是呢專法要通過要經過一段可能不知道多久的時間但我覺得這種空窗不能等所以我們用金寶法來做一個納管\n428396\t430538\t二、審查中華民國114年度中央政府總預算案有關金融監督管理委員會主管中華民國114年度中央政府總預算案有\n458118\t475009\t這個有多嚴重他其實主任公司他佔了3%然後你的23家信用合作社才佔了2%這個其實我們都是從各種數據裡頭是要跟這個主委去探討就是說主任公司其實在整個市場上\n477491\t497772\t市場上佔了一個很大的比例那如果我們還無法可管的話那這算不算是對窮人的普惠金融那我就覺得說金管會是不是有懈責呢主委你的看法其實我剛剛跟委員報告過我們是希望同一個行為同一個風險同一個管理\n498513\t518826\t那假設比如說融資行為已經做到比如說類金融的這樣服務而且呢他真的對消費者有產生這樣一個這個這個負面的影響我們當然就像我剛剛跟委員報告了我們還是希望站在保護消費者弱勢的角度由公權力介入所以我們現在已經在積極在做這件事\n520827\t543475\t我再跟你看一個我們就是說我們去把它從金融機構跟租賃公司的貸款條件裡頭我們去做了一些比較就是說銀行其實銀行基本上就是說在不良的一個信貸還是說信用的瑕疵利息的高低還有就是法規的法規的一個保障在銀行裡頭做得非常的好\n544815\t567527\t那主任公司你看起來就是有一點就是非常的有有這個這個說起來就是這樣子就是說其實他看起來這個整體而言這個資料來源是從中都那個中低那個中株底核這裡頭做出來的其實我覺得他這一張圖裡頭某種程度\n570048\t574152\t市場上不同的融資管道他們要求的標準不同為什麼銀行要這麼久因為我們對銀行的管理跟他\n591249\t612092\t有很大的不同銀行我沒有對他的機構做管理比如說你的資本要求、內控、內機這些都有要求所以他要執行這些東西他成本也比較高但他安全性比較高對民眾保障比較多但是有些人確實他的債券條件沒有那麼好的時候或他的很多的彈性不夠他就會跑去另外一個管道這個管道並不是說都是不好的\n612792\t640206\t不同的債性只是說我們不管怎麼樣契約公平公平對待每一個客戶我想這是一個基本的道理所以我們才會進行這樣的納管主委我想就是說後續的就是說不管是不是比照金融機構他公開他的財務的一個資訊還是說主任公司他的一個信手目前的一個進度那最重要的我要跟主委做一個要求\n640926\t667959\t租賃公司的一個授信的守則如何落實這一個穿透式的一個管理就是從你金管會你去管銀行然後銀行再來管租賃這個有沒有辦法做到?你在未來有沒有辦法做到?我們現在已經有這個東西我們再把它強化就可以了就是實際上應該都有這個部分我們已經透過銀行的授信跟那個租賃公司之間有一個管理包括我剛剛跟委員報告12月13號那個那個規定也是\n670677\t684241\t好,所以你逐步在講了嘛,所以我們也看到中租它在那個上個禮拜它發表,它發布了一個那個重訓,它講說它的董事會跟兆豐銀行簽訂了一個65億元的聯合授信合約\n689778\t700195\t那個主委我看到這一個信息其實我是更害怕他等於就是說他把這個兆豐抓進來就是他變成本來沒白變有白喔\n701431\t724638\t本來看起來我們還可以就是去質疑他的一個信用現在變成是有信用的所以這個是我們比較擔心的一個議題所以你要加快腳步這個我們因為他其實中蘇本身也是一個上市公司他有他的業務他跟銀行做一個融資只要不要流入剛才講的我們所要所要擔心的那個範圍這是他正常業務的範圍\n725558\t747143\t好各位再回到上個月就是我們國民黨的委員有召開一個融資公司納入軍保法的一個協調會那我要知道就是說這個協調會裡頭軍管會有沒有受到施壓其實這不是施壓就是說我們要溝通因為我們要請把他們納管的時候他們有疑議那我們想說我們盡量解釋清楚所以剛才講過\n748283\t758016\t我們當然是希望盡快實施若一一趕快來跟我們溝通我們希望說這個比如這個這個協調或公聽會趕快開始大家有什麼問題我們把它溝通完畢以後可以及早上路啊\n759338\t784992\t所以沒有施壓那就是說溝通的一部分所以我們這個金融消費者的一個保護法我們會加速是是我們是希望趕快因為社會對這個東西的期待現在是沒有施壓的話你就會加速嘛對不對他有一定的程序啦我想我還是尊重所有的程序就是照著這個程序然後會再加速當然我們能加速我們盡量加速但是我們社會要有共識還是很重要\n785592\t810980\t社會共識是是謝謝好謝謝那我希望就是金管會在一個月內就是對於就是會中討論就是融資公司納入那個金保法的一個協調會裡頭的一個討論事項你是不是有一些比較具體的看法在一個月內提出一個書面的報告給本席沒問題我們盡快提供謝謝謝謝謝謝主席好謝謝那位委員接著我們請王洪威委員\n","txt":"主委還有我們銀行局局長委員早安是主委早安主委那個今天要跟你討論的是租賃公司他的一個套利的問題還有租賃公司的一個融資的問題還有你如何管理租賃公司這些問題那事實上在這一陣子我們看到有幾個委員不管是\n王世堅委員、郭國文委員他也針對這些事情跟金管會做一個探討在這裡我要先請問銀行局局長這個主任公司貴不貴你管他是銀行還是只是一個法人機構\n目前我們定義它還只是一般的法人機構那我們現在正在考慮先把它納到金保法裡面針對消費者權益的部分來管理多久會把它納入這個部分的話你在議期多久會納入\n我們現在所有的法制規定都已經準備好了我們只要先預告完預告那個結束我們就可以開始做這個在法制上面應該可以預告啦這個預告的時程大概會放在什麼時候因為我們現在還要還要那個那立法院還要溝通還有就是\n因為可能還要再開過幾次公聽會以後才才能夠要開過幾次的公聽會我們上次有開過一個小事還要兩次的公聽會還有兩次的公聽會那這兩次的公聽會你會給他壓縮到什麼樣的一個時間呢\n沒有他只要是通過以後大家有共識以後我們現在法制作業都準備了我們公告以後一定的時間就實施了我希望你可以切切的給本席一個就是時間點那你是三個月還是半年我覺得這個是非常重要的\n法規的話我們的預告是60天假設我們現在從今天是60天準備兩個月但我覺得最快的時間從預告開始應該4到5個月應該就可以上路那有沒有辦法就是說在5個月內那我們把它完成\n就是我們先要完成假設溝通程序結束的話我們五個月之內是可以完成好 謝謝我想這個我們要正式主任業在監管套利的一個問題我們當然非常清楚就是說主任公司他其實是根據公司法他所設立的合法設立的\n他其實最重要的業務他還是放在就是租借設備還有工具然後就是融資給企業或是個人可是主委你看從上面的這一份整理出來的一個資料我們看這前面在上一頁我們看到了就是說我們三家上市的租賃公司裡頭不管是中租那個育融還是那個核任\n他在個人的車輛的一個融資占比都占了他的業務比跟華人的融資幾乎是快要非常接近了一個43一個53那尤其就是說他其實最主要的業務是在中小企業的一個融資可是之前我們非常在意的就是先買後戶這個個人的一個車資方面他接近了一半的一個規模業務的一個規模\n那所以在這裡特別跟那個主委強調的就是說他其實這個三家公司他們的企業規模占總體的租賃業的一個規模是90%這已經相當多囉是他們是三個很大的租賃公司是啊那這個比銀行更靈活的方式借給消費者那我們又沒有辦法去保護消費者剛才銀行局的局長講得非常清楚\n他講什麼那個主委你有沒有聽到就是我們會用金融消保法來納管會納管對一定會納管這要經過剛剛的法規的這個算不算是普惠金融當然普惠金融是看從他的比如他的服務面其實假設其實我們必須講融資公司在過去對在企業金融部分他是其實扮演非常非常的一個也是有他一定的角色跟貢獻當然\n當然但最近衍生的問題都是出在個人金融就比如說這個跟車貸或是先買後付這些的內容而來所以這要切開就是說其實他們不是所有的業務都是我們現在未來納管金融消費者保護法管的就是\n個人業務就是法人業務是不會不會受到影響的所以我們也是會加強溝通那那個主委先生在本席在跟你探討的第7波我們的打黃那事實上我們慢慢的有調整到就是說整個就是房地產慢慢歸向一個比較正常的一個狀況那如果在銀行法第72支2條裡頭規定的時候就是公股銀行他的\n那個不可以換款不動產也不能超過不能超過就是存款的餘額的30%可是融資公司在這一個這一個72支2條他其實找到了一個破洞他如何去就是說他形同去規避就是銀行法他把借來的錢然後借給那個建設公司那你怎麼看呢\n其實我們在12月13號的時候我們就發了一個函給銀行公會要求他們做到像剛剛委員所報告這件事情第一個如果說第一個他一定要做好貸後管理比如說你的用途跟你的貸款的目的應該是要相符銀行要去做這樣的一個勾結\n二、一般放款流入不動產,銀行要納入不動產風險管理機制也要記錄信用管制範圍,這樣就會納入規定二、未來要做好控管,對這個問題我們會避免成為管理銀行風險的漏洞\n你這個12月13號你提出來這個是行政命令那是不是你會再討論就是說主任公司專法的一個就是討論啊現在是這樣我們設定一個專法的討論是不是會更周全\n我們是兩路並進第一個我們是希望說因為我們的專法從民國85年開始討論到現在中間有很多的分歧很多的不同的意義所以這代表說整合是比較困難但是我們覺得說如果要解決這個問題專法也是個方法所以我們已經委託委外研究我們也正在做這個專法的研究但是呢專法要通過要經過一段可能不知道多久的時間但我覺得這種空窗不能等所以我們用金寶法來做一個納管\n二、審查中華民國114年度中央政府總預算案有關金融監督管理委員會主管中華民國114年度中央政府總預算案有\n這個有多嚴重他其實主任公司他佔了3%然後你的23家信用合作社才佔了2%這個其實我們都是從各種數據裡頭是要跟這個主委去探討就是說主任公司其實在整個市場上\n市場上佔了一個很大的比例那如果我們還無法可管的話那這算不算是對窮人的普惠金融那我就覺得說金管會是不是有懈責呢主委你的看法其實我剛剛跟委員報告過我們是希望同一個行為同一個風險同一個管理\n那假設比如說融資行為已經做到比如說類金融的這樣服務而且呢他真的對消費者有產生這樣一個這個這個負面的影響我們當然就像我剛剛跟委員報告了我們還是希望站在保護消費者弱勢的角度由公權力介入所以我們現在已經在積極在做這件事\n我再跟你看一個我們就是說我們去把它從金融機構跟租賃公司的貸款條件裡頭我們去做了一些比較就是說銀行其實銀行基本上就是說在不良的一個信貸還是說信用的瑕疵利息的高低還有就是法規的法規的一個保障在銀行裡頭做得非常的好\n那主任公司你看起來就是有一點就是非常的有有這個這個說起來就是這樣子就是說其實他看起來這個整體而言這個資料來源是從中都那個中低那個中株底核這裡頭做出來的其實我覺得他這一張圖裡頭某種程度\n市場上不同的融資管道他們要求的標準不同為什麼銀行要這麼久因為我們對銀行的管理跟他\n有很大的不同銀行我沒有對他的機構做管理比如說你的資本要求、內控、內機這些都有要求所以他要執行這些東西他成本也比較高但他安全性比較高對民眾保障比較多但是有些人確實他的債券條件沒有那麼好的時候或他的很多的彈性不夠他就會跑去另外一個管道這個管道並不是說都是不好的\n不同的債性只是說我們不管怎麼樣契約公平公平對待每一個客戶我想這是一個基本的道理所以我們才會進行這樣的納管主委我想就是說後續的就是說不管是不是比照金融機構他公開他的財務的一個資訊還是說主任公司他的一個信手目前的一個進度那最重要的我要跟主委做一個要求\n租賃公司的一個授信的守則如何落實這一個穿透式的一個管理就是從你金管會你去管銀行然後銀行再來管租賃這個有沒有辦法做到?你在未來有沒有辦法做到?我們現在已經有這個東西我們再把它強化就可以了就是實際上應該都有這個部分我們已經透過銀行的授信跟那個租賃公司之間有一個管理包括我剛剛跟委員報告12月13號那個那個規定也是\n好,所以你逐步在講了嘛,所以我們也看到中租它在那個上個禮拜它發表,它發布了一個那個重訓,它講說它的董事會跟兆豐銀行簽訂了一個65億元的聯合授信合約\n那個主委我看到這一個信息其實我是更害怕他等於就是說他把這個兆豐抓進來就是他變成本來沒白變有白喔\n本來看起來我們還可以就是去質疑他的一個信用現在變成是有信用的所以這個是我們比較擔心的一個議題所以你要加快腳步這個我們因為他其實中蘇本身也是一個上市公司他有他的業務他跟銀行做一個融資只要不要流入剛才講的我們所要所要擔心的那個範圍這是他正常業務的範圍\n好各位再回到上個月就是我們國民黨的委員有召開一個融資公司納入軍保法的一個協調會那我要知道就是說這個協調會裡頭軍管會有沒有受到施壓其實這不是施壓就是說我們要溝通因為我們要請把他們納管的時候他們有疑議那我們想說我們盡量解釋清楚所以剛才講過\n我們當然是希望盡快實施若一一趕快來跟我們溝通我們希望說這個比如這個這個協調或公聽會趕快開始大家有什麼問題我們把它溝通完畢以後可以及早上路啊\n所以沒有施壓那就是說溝通的一部分所以我們這個金融消費者的一個保護法我們會加速是是我們是希望趕快因為社會對這個東西的期待現在是沒有施壓的話你就會加速嘛對不對他有一定的程序啦我想我還是尊重所有的程序就是照著這個程序然後會再加速當然我們能加速我們盡量加速但是我們社會要有共識還是很重要\n社會共識是是謝謝好謝謝那我希望就是金管會在一個月內就是對於就是會中討論就是融資公司納入那個金保法的一個協調會裡頭的一個討論事項你是不是有一些比較具體的看法在一個月內提出一個書面的報告給本席沒問題我們盡快提供謝謝謝謝謝謝主席好謝謝那位委員接著我們請王洪威委員\n","vtt":"WEBVTT\n\n00:00.209 --> 00:26.173\n主委還有我們銀行局局長委員早安是主委早安主委那個今天要跟你討論的是租賃公司他的一個套利的問題還有租賃公司的一個融資的問題還有你如何管理租賃公司這些問題那事實上在這一陣子我們看到有幾個委員不管是\n\n00:27.333 --> 00:44.299\n王世堅委員、郭國文委員他也針對這些事情跟金管會做一個探討在這裡我要先請問銀行局局長這個主任公司貴不貴你管他是銀行還是只是一個法人機構\n\n00:47.626 --> 01:04.941\n目前我們定義它還只是一般的法人機構那我們現在正在考慮先把它納到金保法裡面針對消費者權益的部分來管理多久會把它納入這個部分的話你在議期多久會納入\n\n01:06.038 --> 01:22.294\n我們現在所有的法制規定都已經準備好了我們只要先預告完預告那個結束我們就可以開始做這個在法制上面應該可以預告啦這個預告的時程大概會放在什麼時候因為我們現在還要還要那個那立法院還要溝通還有就是\n\n01:23.416 --> 01:33.928\n因為可能還要再開過幾次公聽會以後才才能夠要開過幾次的公聽會我們上次有開過一個小事還要兩次的公聽會還有兩次的公聽會那這兩次的公聽會你會給他壓縮到什麼樣的一個時間呢\n\n01:37.912 --> 01:53.555\n沒有他只要是通過以後大家有共識以後我們現在法制作業都準備了我們公告以後一定的時間就實施了我希望你可以切切的給本席一個就是時間點那你是三個月還是半年我覺得這個是非常重要的\n\n01:57.755 --> 02:14.444\n法規的話我們的預告是60天假設我們現在從今天是60天準備兩個月但我覺得最快的時間從預告開始應該4到5個月應該就可以上路那有沒有辦法就是說在5個月內那我們把它完成\n\n02:14.946 --> 02:31.577\n就是我們先要完成假設溝通程序結束的話我們五個月之內是可以完成好謝謝我想這個我們要正式主任業在監管套利的一個問題我們當然非常清楚就是說主任公司他其實是根據公司法他所設立的合法設立的\n\n02:32.037 --> 02:59.141\n他其實最重要的業務他還是放在就是租借設備還有工具然後就是融資給企業或是個人可是主委你看從上面的這一份整理出來的一個資料我們看這前面在上一頁我們看到了就是說我們三家上市的租賃公司裡頭不管是中租那個育融還是那個核任\n\n02:59.981 --> 03:27.738\n他在個人的車輛的一個融資占比都占了他的業務比跟華人的融資幾乎是快要非常接近了一個43一個53那尤其就是說他其實最主要的業務是在中小企業的一個融資可是之前我們非常在意的就是先買後戶這個個人的一個車資方面他接近了一半的一個規模業務的一個規模\n\n03:29.719 --> 03:58.646\n那所以在這裡特別跟那個主委強調的就是說他其實這個三家公司他們的企業規模占總體的租賃業的一個規模是90%這已經相當多囉是他們是三個很大的租賃公司是啊那這個比銀行更靈活的方式借給消費者那我們又沒有辦法去保護消費者剛才銀行局的局長講得非常清楚\n\n04:00.270 --> 04:26.016\n他講什麼那個主委你有沒有聽到就是我們會用金融消保法來納管會納管對一定會納管這要經過剛剛的法規的這個算不算是普惠金融當然普惠金融是看從他的比如他的服務面其實假設其實我們必須講融資公司在過去對在企業金融部分他是其實扮演非常非常的一個也是有他一定的角色跟貢獻當然\n\n04:26.796 --> 04:42.749\n當然但最近衍生的問題都是出在個人金融就比如說這個跟車貸或是先買後付這些的內容而來所以這要切開就是說其實他們不是所有的業務都是我們現在未來納管金融消費者保護法管的就是\n\n04:43.730 --> 05:09.764\n個人業務就是法人業務是不會不會受到影響的所以我們也是會加強溝通那那個主委先生在本席在跟你探討的第7波我們的打黃那事實上我們慢慢的有調整到就是說整個就是房地產慢慢歸向一個比較正常的一個狀況那如果在銀行法第72支2條裡頭規定的時候就是公股銀行他的\n\n05:10.484 --> 05:35.160\n那個不可以換款不動產也不能超過不能超過就是存款的餘額的30%可是融資公司在這一個這一個72支2條他其實找到了一個破洞他如何去就是說他形同去規避就是銀行法他把借來的錢然後借給那個建設公司那你怎麼看呢\n\n05:35.620 --> 05:53.883\n其實我們在12月13號的時候我們就發了一個函給銀行公會要求他們做到像剛剛委員所報告這件事情第一個如果說第一個他一定要做好貸後管理比如說你的用途跟你的貸款的目的應該是要相符銀行要去做這樣的一個勾結\n\n05:55.064 --> 06:02.886\n二、一般放款流入不動產,銀行要納入不動產風險管理機制也要記錄信用管制範圍,這樣就會納入規定二、未來要做好控管,對這個問題我們會避免成為管理銀行風險的漏洞\n\n06:23.590 --> 06:38.207\n你這個12月13號你提出來這個是行政命令那是不是你會再討論就是說主任公司專法的一個就是討論啊現在是這樣我們設定一個專法的討論是不是會更周全\n\n06:38.547 --> 07:07.896\n我們是兩路並進第一個我們是希望說因為我們的專法從民國85年開始討論到現在中間有很多的分歧很多的不同的意義所以這代表說整合是比較困難但是我們覺得說如果要解決這個問題專法也是個方法所以我們已經委託委外研究我們也正在做這個專法的研究但是呢專法要通過要經過一段可能不知道多久的時間但我覺得這種空窗不能等所以我們用金寶法來做一個納管\n\n07:08.396 --> 07:10.538\n二、審查中華民國114年度中央政府總預算案有關金融監督管理委員會主管中華民國114年度中央政府總預算案有\n\n07:38.118 --> 07:55.009\n這個有多嚴重他其實主任公司他佔了3%然後你的23家信用合作社才佔了2%這個其實我們都是從各種數據裡頭是要跟這個主委去探討就是說主任公司其實在整個市場上\n\n07:57.491 --> 08:17.772\n市場上佔了一個很大的比例那如果我們還無法可管的話那這算不算是對窮人的普惠金融那我就覺得說金管會是不是有懈責呢主委你的看法其實我剛剛跟委員報告過我們是希望同一個行為同一個風險同一個管理\n\n08:18.513 --> 08:38.826\n那假設比如說融資行為已經做到比如說類金融的這樣服務而且呢他真的對消費者有產生這樣一個這個這個負面的影響我們當然就像我剛剛跟委員報告了我們還是希望站在保護消費者弱勢的角度由公權力介入所以我們現在已經在積極在做這件事\n\n08:40.827 --> 09:03.475\n我再跟你看一個我們就是說我們去把它從金融機構跟租賃公司的貸款條件裡頭我們去做了一些比較就是說銀行其實銀行基本上就是說在不良的一個信貸還是說信用的瑕疵利息的高低還有就是法規的法規的一個保障在銀行裡頭做得非常的好\n\n09:04.815 --> 09:27.527\n那主任公司你看起來就是有一點就是非常的有有這個這個說起來就是這樣子就是說其實他看起來這個整體而言這個資料來源是從中都那個中低那個中株底核這裡頭做出來的其實我覺得他這一張圖裡頭某種程度\n\n09:30.048 --> 09:34.152\n市場上不同的融資管道他們要求的標準不同為什麼銀行要這麼久因為我們對銀行的管理跟他\n\n09:51.249 --> 10:12.092\n有很大的不同銀行我沒有對他的機構做管理比如說你的資本要求、內控、內機這些都有要求所以他要執行這些東西他成本也比較高但他安全性比較高對民眾保障比較多但是有些人確實他的債券條件沒有那麼好的時候或他的很多的彈性不夠他就會跑去另外一個管道這個管道並不是說都是不好的\n\n10:12.792 --> 10:40.206\n不同的債性只是說我們不管怎麼樣契約公平公平對待每一個客戶我想這是一個基本的道理所以我們才會進行這樣的納管主委我想就是說後續的就是說不管是不是比照金融機構他公開他的財務的一個資訊還是說主任公司他的一個信手目前的一個進度那最重要的我要跟主委做一個要求\n\n10:40.926 --> 11:07.959\n租賃公司的一個授信的守則如何落實這一個穿透式的一個管理就是從你金管會你去管銀行然後銀行再來管租賃這個有沒有辦法做到?你在未來有沒有辦法做到?我們現在已經有這個東西我們再把它強化就可以了就是實際上應該都有這個部分我們已經透過銀行的授信跟那個租賃公司之間有一個管理包括我剛剛跟委員報告12月13號那個那個規定也是\n\n11:10.677 --> 11:24.241\n好,所以你逐步在講了嘛,所以我們也看到中租它在那個上個禮拜它發表,它發布了一個那個重訓,它講說它的董事會跟兆豐銀行簽訂了一個65億元的聯合授信合約\n\n11:29.778 --> 11:40.195\n那個主委我看到這一個信息其實我是更害怕他等於就是說他把這個兆豐抓進來就是他變成本來沒白變有白喔\n\n11:41.431 --> 12:04.638\n本來看起來我們還可以就是去質疑他的一個信用現在變成是有信用的所以這個是我們比較擔心的一個議題所以你要加快腳步這個我們因為他其實中蘇本身也是一個上市公司他有他的業務他跟銀行做一個融資只要不要流入剛才講的我們所要所要擔心的那個範圍這是他正常業務的範圍\n\n12:05.558 --> 12:27.143\n好各位再回到上個月就是我們國民黨的委員有召開一個融資公司納入軍保法的一個協調會那我要知道就是說這個協調會裡頭軍管會有沒有受到施壓其實這不是施壓就是說我們要溝通因為我們要請把他們納管的時候他們有疑議那我們想說我們盡量解釋清楚所以剛才講過\n\n12:28.283 --> 12:38.016\n我們當然是希望盡快實施若一一趕快來跟我們溝通我們希望說這個比如這個這個協調或公聽會趕快開始大家有什麼問題我們把它溝通完畢以後可以及早上路啊\n\n12:39.338 --> 13:04.992\n所以沒有施壓那就是說溝通的一部分所以我們這個金融消費者的一個保護法我們會加速是是我們是希望趕快因為社會對這個東西的期待現在是沒有施壓的話你就會加速嘛對不對他有一定的程序啦我想我還是尊重所有的程序就是照著這個程序然後會再加速當然我們能加速我們盡量加速但是我們社會要有共識還是很重要\n\n13:05.592 --> 13:30.980\n社會共識是是謝謝好謝謝那我希望就是金管會在一個月內就是對於就是會中討論就是融資公司納入那個金保法的一個協調會裡頭的一個討論事項你是不是有一些比較具體的看法在一個月內提出一個書面的報告給本席沒問題我們盡快提供謝謝謝謝謝謝主席好謝謝那位委員接著我們請王洪威委員\n\n","segments":[{"start":0.209,"end":26.173,"text":"主委還有我們銀行局局長委員早安是主委早安主委那個今天要跟你討論的是租賃公司他的一個套利的問題還有租賃公司的一個融資的問題還有你如何管理租賃公司這些問題那事實上在這一陣子我們看到有幾個委員不管是"},{"start":27.333,"end":44.299,"text":"王世堅委員、郭國文委員他也針對這些事情跟金管會做一個探討在這裡我要先請問銀行局局長這個主任公司貴不貴你管他是銀行還是只是一個法人機構"},{"start":47.626,"end":64.941,"text":"目前我們定義它還只是一般的法人機構那我們現在正在考慮先把它納到金保法裡面針對消費者權益的部分來管理多久會把它納入這個部分的話你在議期多久會納入"},{"start":66.038,"end":82.294,"text":"我們現在所有的法制規定都已經準備好了我們只要先預告完預告那個結束我們就可以開始做這個在法制上面應該可以預告啦這個預告的時程大概會放在什麼時候因為我們現在還要還要那個那立法院還要溝通還有就是"},{"start":83.416,"end":93.928,"text":"因為可能還要再開過幾次公聽會以後才才能夠要開過幾次的公聽會我們上次有開過一個小事還要兩次的公聽會還有兩次的公聽會那這兩次的公聽會你會給他壓縮到什麼樣的一個時間呢"},{"start":97.912,"end":113.555,"text":"沒有他只要是通過以後大家有共識以後我們現在法制作業都準備了我們公告以後一定的時間就實施了我希望你可以切切的給本席一個就是時間點那你是三個月還是半年我覺得這個是非常重要的"},{"start":117.755,"end":134.444,"text":"法規的話我們的預告是60天假設我們現在從今天是60天準備兩個月但我覺得最快的時間從預告開始應該4到5個月應該就可以上路那有沒有辦法就是說在5個月內那我們把它完成"},{"start":134.946,"end":151.577,"text":"就是我們先要完成假設溝通程序結束的話我們五個月之內是可以完成好 謝謝我想這個我們要正式主任業在監管套利的一個問題我們當然非常清楚就是說主任公司他其實是根據公司法他所設立的合法設立的"},{"start":152.037,"end":179.141,"text":"他其實最重要的業務他還是放在就是租借設備還有工具然後就是融資給企業或是個人可是主委你看從上面的這一份整理出來的一個資料我們看這前面在上一頁我們看到了就是說我們三家上市的租賃公司裡頭不管是中租那個育融還是那個核任"},{"start":179.981,"end":207.738,"text":"他在個人的車輛的一個融資占比都占了他的業務比跟華人的融資幾乎是快要非常接近了一個43一個53那尤其就是說他其實最主要的業務是在中小企業的一個融資可是之前我們非常在意的就是先買後戶這個個人的一個車資方面他接近了一半的一個規模業務的一個規模"},{"start":209.719,"end":238.646,"text":"那所以在這裡特別跟那個主委強調的就是說他其實這個三家公司他們的企業規模占總體的租賃業的一個規模是90%這已經相當多囉是他們是三個很大的租賃公司是啊那這個比銀行更靈活的方式借給消費者那我們又沒有辦法去保護消費者剛才銀行局的局長講得非常清楚"},{"start":240.27,"end":266.016,"text":"他講什麼那個主委你有沒有聽到就是我們會用金融消保法來納管會納管對一定會納管這要經過剛剛的法規的這個算不算是普惠金融當然普惠金融是看從他的比如他的服務面其實假設其實我們必須講融資公司在過去對在企業金融部分他是其實扮演非常非常的一個也是有他一定的角色跟貢獻當然"},{"start":266.796,"end":282.749,"text":"當然但最近衍生的問題都是出在個人金融就比如說這個跟車貸或是先買後付這些的內容而來所以這要切開就是說其實他們不是所有的業務都是我們現在未來納管金融消費者保護法管的就是"},{"start":283.73,"end":309.764,"text":"個人業務就是法人業務是不會不會受到影響的所以我們也是會加強溝通那那個主委先生在本席在跟你探討的第7波我們的打黃那事實上我們慢慢的有調整到就是說整個就是房地產慢慢歸向一個比較正常的一個狀況那如果在銀行法第72支2條裡頭規定的時候就是公股銀行他的"},{"start":310.484,"end":335.16,"text":"那個不可以換款不動產也不能超過不能超過就是存款的餘額的30%可是融資公司在這一個這一個72支2條他其實找到了一個破洞他如何去就是說他形同去規避就是銀行法他把借來的錢然後借給那個建設公司那你怎麼看呢"},{"start":335.62,"end":353.883,"text":"其實我們在12月13號的時候我們就發了一個函給銀行公會要求他們做到像剛剛委員所報告這件事情第一個如果說第一個他一定要做好貸後管理比如說你的用途跟你的貸款的目的應該是要相符銀行要去做這樣的一個勾結"},{"start":355.064,"end":362.886,"text":"二、一般放款流入不動產,銀行要納入不動產風險管理機制也要記錄信用管制範圍,這樣就會納入規定二、未來要做好控管,對這個問題我們會避免成為管理銀行風險的漏洞"},{"start":383.59,"end":398.207,"text":"你這個12月13號你提出來這個是行政命令那是不是你會再討論就是說主任公司專法的一個就是討論啊現在是這樣我們設定一個專法的討論是不是會更周全"},{"start":398.547,"end":427.896,"text":"我們是兩路並進第一個我們是希望說因為我們的專法從民國85年開始討論到現在中間有很多的分歧很多的不同的意義所以這代表說整合是比較困難但是我們覺得說如果要解決這個問題專法也是個方法所以我們已經委託委外研究我們也正在做這個專法的研究但是呢專法要通過要經過一段可能不知道多久的時間但我覺得這種空窗不能等所以我們用金寶法來做一個納管"},{"start":428.396,"end":430.538,"text":"二、審查中華民國114年度中央政府總預算案有關金融監督管理委員會主管中華民國114年度中央政府總預算案有"},{"start":458.118,"end":475.009,"text":"這個有多嚴重他其實主任公司他佔了3%然後你的23家信用合作社才佔了2%這個其實我們都是從各種數據裡頭是要跟這個主委去探討就是說主任公司其實在整個市場上"},{"start":477.491,"end":497.772,"text":"市場上佔了一個很大的比例那如果我們還無法可管的話那這算不算是對窮人的普惠金融那我就覺得說金管會是不是有懈責呢主委你的看法其實我剛剛跟委員報告過我們是希望同一個行為同一個風險同一個管理"},{"start":498.513,"end":518.826,"text":"那假設比如說融資行為已經做到比如說類金融的這樣服務而且呢他真的對消費者有產生這樣一個這個這個負面的影響我們當然就像我剛剛跟委員報告了我們還是希望站在保護消費者弱勢的角度由公權力介入所以我們現在已經在積極在做這件事"},{"start":520.827,"end":543.475,"text":"我再跟你看一個我們就是說我們去把它從金融機構跟租賃公司的貸款條件裡頭我們去做了一些比較就是說銀行其實銀行基本上就是說在不良的一個信貸還是說信用的瑕疵利息的高低還有就是法規的法規的一個保障在銀行裡頭做得非常的好"},{"start":544.815,"end":567.527,"text":"那主任公司你看起來就是有一點就是非常的有有這個這個說起來就是這樣子就是說其實他看起來這個整體而言這個資料來源是從中都那個中低那個中株底核這裡頭做出來的其實我覺得他這一張圖裡頭某種程度"},{"start":570.048,"end":574.152,"text":"市場上不同的融資管道他們要求的標準不同為什麼銀行要這麼久因為我們對銀行的管理跟他"},{"start":591.249,"end":612.092,"text":"有很大的不同銀行我沒有對他的機構做管理比如說你的資本要求、內控、內機這些都有要求所以他要執行這些東西他成本也比較高但他安全性比較高對民眾保障比較多但是有些人確實他的債券條件沒有那麼好的時候或他的很多的彈性不夠他就會跑去另外一個管道這個管道並不是說都是不好的"},{"start":612.792,"end":640.206,"text":"不同的債性只是說我們不管怎麼樣契約公平公平對待每一個客戶我想這是一個基本的道理所以我們才會進行這樣的納管主委我想就是說後續的就是說不管是不是比照金融機構他公開他的財務的一個資訊還是說主任公司他的一個信手目前的一個進度那最重要的我要跟主委做一個要求"},{"start":640.926,"end":667.959,"text":"租賃公司的一個授信的守則如何落實這一個穿透式的一個管理就是從你金管會你去管銀行然後銀行再來管租賃這個有沒有辦法做到?你在未來有沒有辦法做到?我們現在已經有這個東西我們再把它強化就可以了就是實際上應該都有這個部分我們已經透過銀行的授信跟那個租賃公司之間有一個管理包括我剛剛跟委員報告12月13號那個那個規定也是"},{"start":670.677,"end":684.241,"text":"好,所以你逐步在講了嘛,所以我們也看到中租它在那個上個禮拜它發表,它發布了一個那個重訓,它講說它的董事會跟兆豐銀行簽訂了一個65億元的聯合授信合約"},{"start":689.778,"end":700.195,"text":"那個主委我看到這一個信息其實我是更害怕他等於就是說他把這個兆豐抓進來就是他變成本來沒白變有白喔"},{"start":701.431,"end":724.638,"text":"本來看起來我們還可以就是去質疑他的一個信用現在變成是有信用的所以這個是我們比較擔心的一個議題所以你要加快腳步這個我們因為他其實中蘇本身也是一個上市公司他有他的業務他跟銀行做一個融資只要不要流入剛才講的我們所要所要擔心的那個範圍這是他正常業務的範圍"},{"start":725.558,"end":747.143,"text":"好各位再回到上個月就是我們國民黨的委員有召開一個融資公司納入軍保法的一個協調會那我要知道就是說這個協調會裡頭軍管會有沒有受到施壓其實這不是施壓就是說我們要溝通因為我們要請把他們納管的時候他們有疑議那我們想說我們盡量解釋清楚所以剛才講過"},{"start":748.283,"end":758.016,"text":"我們當然是希望盡快實施若一一趕快來跟我們溝通我們希望說這個比如這個這個協調或公聽會趕快開始大家有什麼問題我們把它溝通完畢以後可以及早上路啊"},{"start":759.338,"end":784.992,"text":"所以沒有施壓那就是說溝通的一部分所以我們這個金融消費者的一個保護法我們會加速是是我們是希望趕快因為社會對這個東西的期待現在是沒有施壓的話你就會加速嘛對不對他有一定的程序啦我想我還是尊重所有的程序就是照著這個程序然後會再加速當然我們能加速我們盡量加速但是我們社會要有共識還是很重要"},{"start":785.592,"end":810.98,"text":"社會共識是是謝謝好謝謝那我希望就是金管會在一個月內就是對於就是會中討論就是融資公司納入那個金保法的一個協調會裡頭的一個討論事項你是不是有一些比較具體的看法在一個月內提出一個書面的報告給本席沒問題我們盡快提供謝謝謝謝謝謝主席好謝謝那位委員接著我們請王洪威委員"}]}}},"gazette":{"lineno":391,"blocks":[["賴委員惠員：（9時46分）謝謝主席，有請主委。"],["主席：彭主委。"],["賴委員惠員：還有銀行局局長。"],["彭主任委員金隆：委員早安。"],["賴委員惠員：主委早安。主委，今天要跟你討論的是租賃公司套利的問題、租賃公司融資的問題，還有你如何管理租賃公司的問題，事實上，在這一陣子我們看到有幾個委員，不管是王世堅委員、郭國文委員也針對這些事情跟金管會做一個探討。在這裡我要先請問銀行局局長，租賃公司歸不歸你管？它是銀行，還是只是一個法人機構？"],["莊局長琇媛：目前我們定義它還只是一般的法人機構，我們現在正在考慮先把它納到金保法裡面，針對消費者權益的部分來管理。"],["賴委員惠員：多久會把它納入？"],["莊局長琇媛：這個部分的話……"],["賴委員惠員：你預期多久會納入？"],["彭主任委員金隆：我們現在所有的法制規定都已經準備好了，只要先預告完，預告結束，我們就可以開始做，如果在法制上面應該……"],["賴委員惠員：主委，什麼時候可以預告呢？這個預告的時程大概會放在什麼時候？"],["彭主任委員金隆：我們現在還要……立法院還要溝通，還有就是因為可能還要再開過幾次公聽會以後，才能夠……"],["賴委員惠員：要開過幾次的公聽會？2次的公聽會……"],["彭主任委員金隆：我們上次有開過一個協調會，還有2次的公聽會。"],["賴委員惠員：還有2次的公聽會？"],["彭主任委員金隆：對，我們要多多溝通一下。"],["賴委員惠員：這2次的公聽會，你會給它壓縮到什麼樣的時間呢？"],["彭主任委員金隆：沒有，只要是通過以後、大家有共識以後，我們現在法制作業都準備好，我們公告以後一定的時間就會實施了。"],["賴委員惠員：我希望你可以確切地給本席一個時間點，譬如3個月還是半年，我覺得這個是非常重要的，有沒有辦法？"],["彭主任委員金隆：法規的話，我們的預告是60天，假設從今天開始算60天，準備2個月，我覺得最快的時間從預告開始，四到五個月應該就可以上路。"],["賴委員惠員：有沒有辦法在5個月內把它完成？"],["彭主任委員金隆：假設溝通程序結束的話，我們5個月之內是可以完成的，謝謝。"],["賴委員惠員：好，謝謝，我們要正視租賃業在監管套利的問題。我們當然非常清楚，租賃公司其實是根據公司法所合法設立的，最重要的業務還是放在租借設備及工具，然後就是融資給企業或是個人。可是主委你看，從簡報上面整理出來的資料，我們看到3家上市租賃公司，包括中租、裕隆、還有和潤，在其整體業務中，個人車輛融資的占比跟法人融資業務的占比幾乎快要非常接近，一個是43%，一個是53%，尤其他們最主要的業務是中小企業的融資，之前我們非常在意的先買後付業務及個人車輛融資業務也占了接近一半的業務規模。所以在這裡特別跟主委強調，其實這3家公司他們的企業規模占總體租賃業的規模是90%，這已經相當多了。"],["彭主任委員金隆：是，他們是3個很大的租賃公司。"],["賴委員惠員：是啊，他們用比銀行更靈活的方式借給消費者，我們又沒有辦法去保護消費者。剛才銀行局的局長講得非常清楚，他講什麼，主委你有沒有聽到？"],["彭主任委員金隆：就是我們會用金融消保法來納管。"],["賴委員惠員：會納管？"],["彭主任委員金隆：對。"],["賴委員惠員：一定會納管？"],["彭主任委員金隆：這要經過剛才說的法規的預告通過。"],["賴委員惠員：這個算不算是普惠金融？"],["彭主任委員金隆：普惠金融是看比如它的服務面，我們必須講，融資公司過去在企業金融部分其實也扮演一定的角色跟貢獻。"],["賴委員惠員：當然、當然。"],["彭主任委員金隆：但最近衍生的問題都是出在個人金融，比如車貸或是先買後付這些內容而來，所以這要切開，就是其實他們不是所有的業務都是我們未來納管的，金融消費者保護法管的就是個人業務，法人業務是不會受到影響的，所以我們也會加強溝通。"],["賴委員惠員：好。主委，現在本席再跟你探討第七波的打房，事實上我們有調整到讓房地產慢慢歸向一個比較正常的狀況，銀行法第七十二條之二裡頭規定，公股銀行放款不動產不能超過存款餘額的30%，可是融資公司在第七十二條之二找到了一個破洞，形同去規避銀行法，把從公股銀行借來的錢再借給建設公司，你怎麼看呢？"],["彭主任委員金隆：其實我們在12月13號的時候就發了一個函給銀行公會，要求他們做到像剛才委員所報告的這件事情，第一個，它一定要做好貸後管理，比如用途跟貸款的目的應該要相符，銀行要去做這樣的勾稽；第二個，如果這個放款是一般放款，卻流入了不動產的話，銀行要納入它不動產的風險管理機制，也要計入剛剛所謂的信用管制範圍，其實這樣就會把它納入規定。再來，未來它應該要做好控管，對於這個問題，我們會再避免成為管理銀行風險時的漏洞。"],["賴委員惠員：主委，12月13日提出來的是行政命令，會不會有租賃公司專法的討論呢？設定一個專法的討論是不是會更周全？"],["彭主任委員金隆：現在我們是兩路並進，第一個，因為我們的專法從民國85年開始討論到現在，中間有很多的分歧，很多不同的意義，所以代表整合比較困難，但是我們覺得如果要解決這個問題，專法也是個方法，所以我們已經委託委外研究，我們也正在做這個專法的研究。但是專法要通過要經過一段不知道多久的時間，但我覺得這種空窗不能等，所以我們用金保法來做一個納管，我們是雙軌在並進。"],["賴委員惠員：這是一個非常積極的態度。"],["彭主任委員金隆：謝謝。"],["賴委員惠員：我還是再回到租賃公司的部分，以金管會主管的四大金融機構的23家信用合作社，與租賃公司兩相比較的話，你知道這個問題有多嚴重？在個人車貸金額3,140億當中，租賃公司占了3%，23家信用合作社才占了2%，其實我們提出各種數據就是要跟主委探討，租賃公司在整個消費市場上占了一個很大比例，如果我們還無法可管的話，這算不算是對窮人的普惠金融？金管會是不是有卸責呢？我想聽一聽主委的看法。"],["彭主任委員金隆：其實我剛才跟委員報告過，我們希望同一個行為、同一個風險、同一個管理，假設融資行為已經做到類金融這樣的服務，而且它真的對消費者有產生負面的影響，當然就像我剛剛跟委員報告的，我們還是希望站在保護消費者弱勢的角度，由公權力介入，所以我們現在已經積極在做這件事。"],["賴委員惠員：主委，我再給你看一個問題，我們把金融機構與租賃公司的貸款條件做了一些比較，基本上，在不良信貸、信用瑕疵、利息高低以及法規保障部分，在銀行端做得非常好，租賃公司看起來非常的有……說起來就是這樣子，整體而言，這個資料來源是中租迪和做出來的。其實我覺得這一張圖表可以看得出來某種程度都是在誘惑這些無知的、需要錢的一般消費者，這個才是問題嚴重的地方。"],["彭主任委員金隆：我的意思是其實我們市場上有不同的融資管道，他們要求的標準不同，為什麼銀行要這麼久？因為我們對銀行的管理跟它有很大的不同，我們有對銀行的機構做管理，比如資本要求、內控內稽，這些都有要求，所以它要執行這些東西的成本也比較高，但是安全性也會比較高，對民眾的保障比較多，但是有些人確實債信條件沒有那麼好的時候或是很多的彈性不夠，他就會跑去另外一個管道，這個管道並不是都是不好的，他是不同的債信，只是不管怎麼樣基於契約公平，公平對待每一個客戶是一個基本道理，所以我們才要進行這樣的納管。"],["賴委員惠員：主委，後續不管是不是比照金融機構公開它的財務資訊，或目前租賃公司的授信守則進度，最重要的，我要跟主委提出一個要求，租賃公司的授信守則如何落實穿透式管理，也就是金管會去管銀行，銀行再來管租賃公司，這個管理有沒有辦法做到？在未來有沒有辦法做到？"],["彭主任委員金隆：我們現在已經有這個東西，我們再把它強化就可以了，實際上應該都有這個部分，我們已經透過銀行的授信和租賃公司之間有一個管理，包括我剛剛跟委員報告的，12月13日那個規定也是。"],["賴委員惠員：好，所以你逐步在做了。"],["彭主任委員金隆：是的。"],["賴委員惠員：我們也看到中租在上個禮拜發布了一個重訊，表示董事會已經跟兆豐銀行簽訂了65億元的聯合授信合約，主委，我看到這個訊息其實是更害怕的，它等於也把兆豐抓進來，從本來沒牌變成有牌，本來看起來我們還可以去質疑它的信用，現在變成是有信用的喔！這個是我們比較擔心的一個議題，所以你要加快腳步。"],["彭主任委員金隆：其實中租本身也是一個上市公司，它有它的業務，它跟銀行做融資，只要不要流入剛才講的我們所擔心的那個範圍，這也是它正常業務的範圍。"],["賴委員惠員：主委，再回到上個月國民黨委員有召開一個融資公司納入金保法的協調會，我要知道在協調會裡頭金管會有沒有受到施壓？"],["彭主任委員金隆：其實這不是施壓，就是我們要溝通，因為我們要把他們納管的時候，他們有疑義，我們儘量解釋清楚，所以我剛剛講過，我們當然是希望儘快實施，如果有疑義趕快來跟我們溝通，我們也希望這個協調或公聽會趕快開始，大家有什麼問題，我們把它溝通完畢以後，可以及早上路。"],["賴委員惠員：所以沒有施壓？"],["彭主任委員金隆：我覺得這是溝通的一部分。"],["賴委員惠員：所以金融消費者保護法我們會加速？"],["彭主任委員金隆：是，我們是希望趕快，因為社會對這個東西的期待比較高。"],["賴委員惠員：既然沒有施壓的話，你就會加速，對不對？"],["彭主任委員金隆：它有一定的程序，委員，我還是尊重所有的程序。"],["賴委員惠員：你會照著這個程序，然後會再加速。"],["彭主任委員金隆：當然，我們能加速，我們儘量加速，但是社會要有共識還是很重要，謝謝。"],["賴委員惠員：好，謝謝。對於融資公司納入金保法協調會中的討論事項，金管會是不是有一些比較具體的看法，在一個月內提出一個書面報告給本席，好不好？"],["彭主任委員金隆：沒問題，我們儘快提供，謝謝委員。"],["賴委員惠員：謝謝，謝謝主席。"],["主席：謝謝賴惠員委員。","接著請王鴻薇委員。"]],"agenda":{"page_end":286,"meet_id":"委員會-11-2-20-11","speakers":["陳玉珍","林德福","吳秉叡","賴士葆","賴惠員","王鴻薇","李坤城","李彥秀","伍麗華Saidhai‧Tahovecahe","顏寬恒","黃珊珊","郭國文","洪孟楷","羅明才","葉元之","楊瓊瓔"],"page_start":209,"meetingDate":["2024-12-19"],"gazette_id":"1140901","agenda_lcidc_ids":["1140901_00003"],"meet_name":"立法院第11屆第2會期財政委員會第11次全體委員會議紀錄","content":"一、審查中華民國114年度中央政府總預算案有關金融監督管理委員會、銀行局、證券期貨局、\n保險局、檢查局收支部分（僅詢答）；二、審查中華民國 114年度中央政府總預算案附屬單位預\n算營業部分，有關金融監督管理委員會主管中央存款保險股份有限公司（僅詢答）；三、審查中\n華民國 114 年度中央政府總預算案附屬單位預算非營業部分，有關金融監督管理委員會主管：\n（僅詢答）(一)特別收入基金─金融監督管理基金、(二)信託基金─保險業務發展基金","agenda_id":"1140901_00002"}}}