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\"score\": 0.552}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"質\"}, {\"word\": \"詢\"}], \"language\": \"zh\"}","srt":"1\n00:00:00,109 --> 00:00:06,690\n主席有請金管會彭主委彭主委請委員好主委好\n\n2\n00:00:08,075 --> 00:00:27,210\n主委金管會的一項新規定就是預告修法有兩大重點一是刪除券商高淨值客戶條件回歸券商KYC與KYP的規定二拉高申請兼營全權委託門檻\n\n3\n00:00:30,612 --> 00:00:46,425\n法規預告兩個月預告期兩個月那這部分是不是請主委在這邊簡單說明我想主要是我們財富管理業務一開始的時候主要是在銀行端的業務後來呢因為我們有發現到其實保險跟證券也都有這個業務所以我們陸續的開放\n\n4\n00:00:48,467 --> 00:01:15,524\n比如說保險的財富管理的應注意事項證券商的應注意事項那主要是因為我們在銀行的部分呢他已經把這個條件把它改變了所以我們的券商這邊呢也比照這個辦理我想這個大概是一致性的規定啦大概主要是這樣的原因對那券商公會是認為說因為一個高淨值客戶的名稱那讓業務上這種綁手綁腳所以建議刪除啦\n\n5\n00:01:17,901 --> 00:01:27,604\n讓業務執行能夠更有彈性,同時也能夠服務小額投資人我還是要提醒主委,要明確的揭露相關的手續費風險不要讓這項政策的推動,變成一個問題重重的部分\n\n6\n00:01:36,866 --> 00:01:59,838\n那再來就是說目前台灣除了護國神山台積電還有電子相關代工產業之外還是以中小企業為主但是因為中小企業有時候公司的一個組織不夠健全財務也不夠完備所以無法自銀行取得其營運所需的全部資金那所以反而會就像這些\n\n7\n00:02:01,939 --> 00:02:30,011\n地下融資或者一些其他的融資業者來做一個取得資金那造成這個地下金融日益猖獗那暴力討債事件也是層出不窮造成嚴重的社會問題那政府應該要特別重視行政院在民國97年1月30號院會上通過融資公司的融資公司法草案由於該年該草案送進立法院審議那一直到現在\n\n8\n00:02:30,791 --> 00:02:58,844\n可不可以請主委告訴我們進度如何好我想跟委員委員長很關注這個問題我想主要是融資公司其實上融資公司是我們一般的同層其實我們在實務上並沒有這樣一個確實的業態他主要是反映在他的營業活動上面比如說他有做所謂的應收賬款買賣或是做一些類似可以有待放這樣的行為他的公司的名稱樣態非常非常多種這也是\n\n9\n00:02:59,244 --> 00:03:25,973\n在過去我們在討論這些納管非常非常困難本質上很有可能是其他業態但他可能有從事到這個活動這主要的原因是我們在中華民國的法治之下融資業務就跟借錢這件事情跟人家借錢這件事情不是一個特許事業就像我們朋友之間任何人都可以有這個借貸但是如果跟別人吸收存款這件事情就是一個特許事業或是你做轉匯這些東西就是個特許事業所以很多人就\n\n10\n00:03:26,733 --> 00:03:51,016\n就以為說這個東西大概是一個比較比較所謂是銀行的業務其實不是那我想說這個就是因為衍生說很多很多業態都可以來做但是呢從最近幾年來可以看得到就是因為這些類似融資的行為因為他畢竟沒有受到比較嚴格的管理所以呢就會有這樣的一個衍生問題像比如說前陣子對BMPL或是這些分離貸款所以我們就\n\n11\n00:03:52,525 --> 00:04:20,804\n想到一個方式我們就是應該立刻應該很快就會做到就是我們會先針對這些所謂的融資公納型的融資公司去先做處理融資公司專訪我們現在是委託銀行公會的研究他們在做初稿的這樣的研究我們還持續在研究對那所以是我們現在接下來要做的是大型租賃公司先行納管是的對不對那先行納管之後是不是只修正這個金保法的部分目前\n\n12\n00:04:21,184 --> 00:04:45,725\n我們金保法是不用修的因為我們金融消費者保護法第三條裡面就有授權給金管會這樣的權利我們需要調整的是金保法所授權的三個執法一個是有關廣告的一個是有關契約公平的一個是我們有關那個就是這裡面幾個執法這個三個執法我們大概也跟業者已經溝通已經幾乎調整完畢我們可能最近就會預告\n\n13\n00:04:46,545 --> 00:05:06,760\n主委今天我有一個提案就是希望金管會能夠來納管大型的租賃公司這部分那因為租賃資金是企業的命脈那各項資金隆重管道應該納為管理因為國內各融資公司上千家對不對那這些都是從事放款、保證、票據、貼現等\n\n14\n00:05:08,081 --> 00:05:32,094\n提供中小企業的一個資金需求所以過去確實這個長久以來衍生了許多的社會問題這個部分金管會責無旁貸所以要求金管會三個月內將這個先行納管的部分先行納管在一個月內好不好一個月內對我們財務會提出進度的報告會不會跟委員報告一下就是說我們這個進度我們可能應該是在\n\n15\n00:05:33,115 --> 00:05:51,932\n如果在四月初應該就可以把這個執法就預告就是應該這樣可以差不多可以在快的話四月初我們就可以預告了所以剛才我我們也非常非常贊同委員剛剛那個建議我們現在第一波會會針對大型的私家上市上市櫃的融資\n\n16\n00:05:52,933 --> 00:06:08,653\n主領公司跟他所匣的12個子公司一併納入我們第一波的適用範圍之內所以我想這波我們會按照委員的指示主委希望說讓租賃借貸這個業務能夠更加的完善\n\n17\n00:06:09,053 --> 00:06:31,506\n是好不好這個環境能更加友善那再來就是金管會推動永續金融ESG包含環境社會公司治理那一直是金融政策的重要方向在美國川普總統上任之後針對114年相關作為政策更新資訊接受真實性金融商品監理等三方面有沒有進行調整主委\n\n18\n00:06:33,006 --> 00:06:55,115\n我們現在有關永續金融因為金管會所主政的部分就是永續金融的部分那永續金融部分我們還是按照我們的既定的時程在推動像我剛才在業務報告裡面比如說我們今年所有的公司上次貴公都要編永續報告書那我們接下來呢114年是不是擴大適用對象\n\n19\n00:06:56,096 --> 00:07:00,780\n我們永續報告室已經全部都要因為它是自足年金融機構已經適用了早就適用\n\n20\n00:07:05,066 --> 00:07:26,250\n那另外就是說ESG的資訊揭露的真實性與可比較性其實是最關注的部分當然我們也有要求他們要進行確信還就是要經過由第三方公正的地方做如果揭露資料未適時求是否有懲處或者是更正機構來保護這些投資人權益有什麼樣的機制\n\n21\n00:07:26,650 --> 00:07:55,665\n根據我們現在的法規如果說是列入在比如說他的財報跟年報那基本上他是有一定的法律的那個真實的義務那當然這部分我們他的所有對外的揭露的文書那法律有規定的那當然不在話下我們也是希望他任何對外公佈的任何的這些的報告呢都要具有真實性這是一定的這是最基本的要求只是他法律的規定不同會有不同的適用\n\n22\n00:07:56,685 --> 00:08:05,453\n對啦永續金融不是口號嘛是對不對需要具體的一個接力偵測明確的指標還有有效的查核好不好是沒問題謝謝主委謝謝謝謝謝謝委員好謝謝謝謝委員的這個質詢\n\n","tsv":"start\tend\ttext\n109\t6690\t主席有請金管會彭主委彭主委請委員好主委好\n8075\t27210\t主委金管會的一項新規定就是預告修法有兩大重點一是刪除券商高淨值客戶條件回歸券商KYC與KYP的規定二拉高申請兼營全權委託門檻\n30612\t46425\t法規預告兩個月預告期兩個月那這部分是不是請主委在這邊簡單說明我想主要是我們財富管理業務一開始的時候主要是在銀行端的業務後來呢因為我們有發現到其實保險跟證券也都有這個業務所以我們陸續的開放\n48467\t75524\t比如說保險的財富管理的應注意事項證券商的應注意事項那主要是因為我們在銀行的部分呢他已經把這個條件把它改變了所以我們的券商這邊呢也比照這個辦理我想這個大概是一致性的規定啦大概主要是這樣的原因對 那券商公會是認為說因為一個高淨值客戶的名稱那讓業務上這種綁手綁腳所以建議刪除啦\n77901\t87604\t讓業務執行能夠更有彈性,同時也能夠服務小額投資人我還是要提醒主委,要明確的揭露相關的手續費風險不要讓這項政策的推動,變成一個問題重重的部分\n96866\t119838\t那再來就是說目前台灣除了護國神山台積電還有電子相關代工產業之外還是以中小企業為主但是因為中小企業有時候公司的一個組織不夠健全財務也不夠完備所以無法自銀行取得其營運所需的全部資金那所以反而會就像這些\n121939\t150011\t地下融資或者一些其他的融資業者來做一個取得資金那造成這個地下金融日益猖獗那暴力討債事件也是層出不窮造成嚴重的社會問題那政府應該要特別重視行政院在民國97年1月30號院會上通過融資公司的融資公司法草案由於該年該草案送進立法院審議那一直到現在\n150791\t178844\t可不可以請主委告訴我們進度如何好我想跟委員委員長很關注這個問題我想主要是融資公司其實上融資公司是我們一般的同層其實我們在實務上並沒有這樣一個確實的業態他主要是反映在他的營業活動上面比如說他有做所謂的應收賬款買賣或是做一些類似可以有待放這樣的行為他的公司的名稱樣態非常非常多種這也是\n179244\t205973\t在過去我們在討論這些納管非常非常困難本質上很有可能是其他業態但他可能有從事到這個活動這主要的原因是我們在中華民國的法治之下融資業務就跟借錢這件事情跟人家借錢這件事情不是一個特許事業就像我們朋友之間任何人都可以有這個借貸但是如果跟別人吸收存款這件事情就是一個特許事業或是你做轉匯這些東西就是個特許事業所以很多人就\n206733\t231016\t就以為說這個東西大概是一個比較比較所謂是銀行的業務其實不是那我想說這個就是因為衍生說很多很多業態都可以來做但是呢從最近幾年來可以看得到就是因為這些類似融資的行為因為他畢竟沒有受到比較嚴格的管理所以呢就會有這樣的一個衍生問題像比如說前陣子對BMPL或是這些分離貸款所以我們就\n232525\t260804\t想到一個方式我們就是應該立刻應該很快就會做到就是我們會先針對這些所謂的融資公納型的融資公司去先做處理融資公司專訪我們現在是委託銀行公會的研究他們在做初稿的這樣的研究我們還持續在研究對那所以是我們現在接下來要做的是大型租賃公司先行納管是的對不對那先行納管之後是不是只修正這個金保法的部分目前\n261184\t285725\t我們金保法是不用修的因為我們金融消費者保護法第三條裡面就有授權給金管會這樣的權利我們需要調整的是金保法所授權的三個執法一個是有關廣告的一個是有關契約公平的一個是我們有關那個就是這裡面幾個執法這個三個執法我們大概也跟業者已經溝通已經幾乎調整完畢我們可能最近就會預告\n286545\t306760\t主委今天我有一個提案就是希望金管會能夠來納管大型的租賃公司這部分那因為租賃資金是企業的命脈那各項資金隆重管道應該納為管理因為國內各融資公司上千家對不對那這些都是從事放款、保證、票據、貼現等\n308081\t332094\t提供中小企業的一個資金需求所以過去確實這個長久以來衍生了許多的社會問題這個部分金管會責無旁貸所以要求金管會三個月內將這個先行納管的部分先行納管在一個月內好不好一個月內對我們財務會提出進度的報告會不會跟委員報告一下就是說我們這個進度我們可能應該是在\n333115\t351932\t如果在四月初應該就可以把這個執法就預告就是應該這樣可以差不多可以在快的話四月初我們就可以預告了所以剛才我我們也非常非常贊同委員剛剛那個建議我們現在第一波會會針對大型的私家上市上市櫃的融資\n352933\t368653\t主領公司跟他所匣的12個子公司一併納入我們第一波的適用範圍之內所以我想這波我們會按照委員的指示主委希望說讓租賃借貸這個業務能夠更加的完善\n369053\t391506\t是好不好這個環境能更加友善那再來就是金管會推動永續金融ESG包含環境社會公司治理那一直是金融政策的重要方向在美國川普總統上任之後針對114年相關作為政策更新資訊接受真實性金融商品監理等三方面有沒有進行調整主委\n393006\t415115\t我們現在有關永續金融因為金管會所主政的部分就是永續金融的部分那永續金融部分我們還是按照我們的既定的時程在推動像我剛才在業務報告裡面比如說我們今年所有的公司上次貴公都要編永續報告書那我們接下來呢114年是不是擴大適用對象\n416096\t420780\t我們永續報告室已經全部都要 因為它是自足年金融機構已經適用了 早就適用\n425066\t446250\t那另外就是說ESG的資訊揭露的真實性與可比較性其實是最關注的部分當然我們也有要求他們要進行確信還就是要經過由第三方公正的地方做如果揭露資料未適時求是否有懲處或者是更正機構來保護這些投資人權益有什麼樣的機制\n446650\t475665\t根據我們現在的法規如果說是列入在比如說他的財報跟年報那基本上他是有一定的法律的那個真實的義務那當然這部分我們他的所有對外的揭露的文書那法律有規定的那當然不在話下我們也是希望他任何對外公佈的任何的這些的報告呢都要具有真實性這是一定的這是最基本的要求只是他法律的規定不同會有不同的適用\n476685\t485453\t對啦 永續金融不是口號嘛 是對不對 需要具體的一個接力偵測 明確的指標還有有效的查核 好不好是 沒問題謝謝主委 謝謝謝謝 謝謝委員好 謝謝謝謝委員的這個質詢\n","txt":"主席有請金管會彭主委彭主委請委員好主委好\n主委金管會的一項新規定就是預告修法有兩大重點一是刪除券商高淨值客戶條件回歸券商KYC與KYP的規定二拉高申請兼營全權委託門檻\n法規預告兩個月預告期兩個月那這部分是不是請主委在這邊簡單說明我想主要是我們財富管理業務一開始的時候主要是在銀行端的業務後來呢因為我們有發現到其實保險跟證券也都有這個業務所以我們陸續的開放\n比如說保險的財富管理的應注意事項證券商的應注意事項那主要是因為我們在銀行的部分呢他已經把這個條件把它改變了所以我們的券商這邊呢也比照這個辦理我想這個大概是一致性的規定啦大概主要是這樣的原因對 那券商公會是認為說因為一個高淨值客戶的名稱那讓業務上這種綁手綁腳所以建議刪除啦\n讓業務執行能夠更有彈性,同時也能夠服務小額投資人我還是要提醒主委,要明確的揭露相關的手續費風險不要讓這項政策的推動,變成一個問題重重的部分\n那再來就是說目前台灣除了護國神山台積電還有電子相關代工產業之外還是以中小企業為主但是因為中小企業有時候公司的一個組織不夠健全財務也不夠完備所以無法自銀行取得其營運所需的全部資金那所以反而會就像這些\n地下融資或者一些其他的融資業者來做一個取得資金那造成這個地下金融日益猖獗那暴力討債事件也是層出不窮造成嚴重的社會問題那政府應該要特別重視行政院在民國97年1月30號院會上通過融資公司的融資公司法草案由於該年該草案送進立法院審議那一直到現在\n可不可以請主委告訴我們進度如何好我想跟委員委員長很關注這個問題我想主要是融資公司其實上融資公司是我們一般的同層其實我們在實務上並沒有這樣一個確實的業態他主要是反映在他的營業活動上面比如說他有做所謂的應收賬款買賣或是做一些類似可以有待放這樣的行為他的公司的名稱樣態非常非常多種這也是\n在過去我們在討論這些納管非常非常困難本質上很有可能是其他業態但他可能有從事到這個活動這主要的原因是我們在中華民國的法治之下融資業務就跟借錢這件事情跟人家借錢這件事情不是一個特許事業就像我們朋友之間任何人都可以有這個借貸但是如果跟別人吸收存款這件事情就是一個特許事業或是你做轉匯這些東西就是個特許事業所以很多人就\n就以為說這個東西大概是一個比較比較所謂是銀行的業務其實不是那我想說這個就是因為衍生說很多很多業態都可以來做但是呢從最近幾年來可以看得到就是因為這些類似融資的行為因為他畢竟沒有受到比較嚴格的管理所以呢就會有這樣的一個衍生問題像比如說前陣子對BMPL或是這些分離貸款所以我們就\n想到一個方式我們就是應該立刻應該很快就會做到就是我們會先針對這些所謂的融資公納型的融資公司去先做處理融資公司專訪我們現在是委託銀行公會的研究他們在做初稿的這樣的研究我們還持續在研究對那所以是我們現在接下來要做的是大型租賃公司先行納管是的對不對那先行納管之後是不是只修正這個金保法的部分目前\n我們金保法是不用修的因為我們金融消費者保護法第三條裡面就有授權給金管會這樣的權利我們需要調整的是金保法所授權的三個執法一個是有關廣告的一個是有關契約公平的一個是我們有關那個就是這裡面幾個執法這個三個執法我們大概也跟業者已經溝通已經幾乎調整完畢我們可能最近就會預告\n主委今天我有一個提案就是希望金管會能夠來納管大型的租賃公司這部分那因為租賃資金是企業的命脈那各項資金隆重管道應該納為管理因為國內各融資公司上千家對不對那這些都是從事放款、保證、票據、貼現等\n提供中小企業的一個資金需求所以過去確實這個長久以來衍生了許多的社會問題這個部分金管會責無旁貸所以要求金管會三個月內將這個先行納管的部分先行納管在一個月內好不好一個月內對我們財務會提出進度的報告會不會跟委員報告一下就是說我們這個進度我們可能應該是在\n如果在四月初應該就可以把這個執法就預告就是應該這樣可以差不多可以在快的話四月初我們就可以預告了所以剛才我我們也非常非常贊同委員剛剛那個建議我們現在第一波會會針對大型的私家上市上市櫃的融資\n主領公司跟他所匣的12個子公司一併納入我們第一波的適用範圍之內所以我想這波我們會按照委員的指示主委希望說讓租賃借貸這個業務能夠更加的完善\n是好不好這個環境能更加友善那再來就是金管會推動永續金融ESG包含環境社會公司治理那一直是金融政策的重要方向在美國川普總統上任之後針對114年相關作為政策更新資訊接受真實性金融商品監理等三方面有沒有進行調整主委\n我們現在有關永續金融因為金管會所主政的部分就是永續金融的部分那永續金融部分我們還是按照我們的既定的時程在推動像我剛才在業務報告裡面比如說我們今年所有的公司上次貴公都要編永續報告書那我們接下來呢114年是不是擴大適用對象\n我們永續報告室已經全部都要 因為它是自足年金融機構已經適用了 早就適用\n那另外就是說ESG的資訊揭露的真實性與可比較性其實是最關注的部分當然我們也有要求他們要進行確信還就是要經過由第三方公正的地方做如果揭露資料未適時求是否有懲處或者是更正機構來保護這些投資人權益有什麼樣的機制\n根據我們現在的法規如果說是列入在比如說他的財報跟年報那基本上他是有一定的法律的那個真實的義務那當然這部分我們他的所有對外的揭露的文書那法律有規定的那當然不在話下我們也是希望他任何對外公佈的任何的這些的報告呢都要具有真實性這是一定的這是最基本的要求只是他法律的規定不同會有不同的適用\n對啦 永續金融不是口號嘛 是對不對 需要具體的一個接力偵測 明確的指標還有有效的查核 好不好是 沒問題謝謝主委 謝謝謝謝 謝謝委員好 謝謝謝謝委員的這個質詢\n","vtt":"WEBVTT\n\n00:00.109 --> 00:06.690\n主席有請金管會彭主委彭主委請委員好主委好\n\n00:08.075 --> 00:27.210\n主委金管會的一項新規定就是預告修法有兩大重點一是刪除券商高淨值客戶條件回歸券商KYC與KYP的規定二拉高申請兼營全權委託門檻\n\n00:30.612 --> 00:46.425\n法規預告兩個月預告期兩個月那這部分是不是請主委在這邊簡單說明我想主要是我們財富管理業務一開始的時候主要是在銀行端的業務後來呢因為我們有發現到其實保險跟證券也都有這個業務所以我們陸續的開放\n\n00:48.467 --> 01:15.524\n比如說保險的財富管理的應注意事項證券商的應注意事項那主要是因為我們在銀行的部分呢他已經把這個條件把它改變了所以我們的券商這邊呢也比照這個辦理我想這個大概是一致性的規定啦大概主要是這樣的原因對那券商公會是認為說因為一個高淨值客戶的名稱那讓業務上這種綁手綁腳所以建議刪除啦\n\n01:17.901 --> 01:27.604\n讓業務執行能夠更有彈性,同時也能夠服務小額投資人我還是要提醒主委,要明確的揭露相關的手續費風險不要讓這項政策的推動,變成一個問題重重的部分\n\n01:36.866 --> 01:59.838\n那再來就是說目前台灣除了護國神山台積電還有電子相關代工產業之外還是以中小企業為主但是因為中小企業有時候公司的一個組織不夠健全財務也不夠完備所以無法自銀行取得其營運所需的全部資金那所以反而會就像這些\n\n02:01.939 --> 02:30.011\n地下融資或者一些其他的融資業者來做一個取得資金那造成這個地下金融日益猖獗那暴力討債事件也是層出不窮造成嚴重的社會問題那政府應該要特別重視行政院在民國97年1月30號院會上通過融資公司的融資公司法草案由於該年該草案送進立法院審議那一直到現在\n\n02:30.791 --> 02:58.844\n可不可以請主委告訴我們進度如何好我想跟委員委員長很關注這個問題我想主要是融資公司其實上融資公司是我們一般的同層其實我們在實務上並沒有這樣一個確實的業態他主要是反映在他的營業活動上面比如說他有做所謂的應收賬款買賣或是做一些類似可以有待放這樣的行為他的公司的名稱樣態非常非常多種這也是\n\n02:59.244 --> 03:25.973\n在過去我們在討論這些納管非常非常困難本質上很有可能是其他業態但他可能有從事到這個活動這主要的原因是我們在中華民國的法治之下融資業務就跟借錢這件事情跟人家借錢這件事情不是一個特許事業就像我們朋友之間任何人都可以有這個借貸但是如果跟別人吸收存款這件事情就是一個特許事業或是你做轉匯這些東西就是個特許事業所以很多人就\n\n03:26.733 --> 03:51.016\n就以為說這個東西大概是一個比較比較所謂是銀行的業務其實不是那我想說這個就是因為衍生說很多很多業態都可以來做但是呢從最近幾年來可以看得到就是因為這些類似融資的行為因為他畢竟沒有受到比較嚴格的管理所以呢就會有這樣的一個衍生問題像比如說前陣子對BMPL或是這些分離貸款所以我們就\n\n03:52.525 --> 04:20.804\n想到一個方式我們就是應該立刻應該很快就會做到就是我們會先針對這些所謂的融資公納型的融資公司去先做處理融資公司專訪我們現在是委託銀行公會的研究他們在做初稿的這樣的研究我們還持續在研究對那所以是我們現在接下來要做的是大型租賃公司先行納管是的對不對那先行納管之後是不是只修正這個金保法的部分目前\n\n04:21.184 --> 04:45.725\n我們金保法是不用修的因為我們金融消費者保護法第三條裡面就有授權給金管會這樣的權利我們需要調整的是金保法所授權的三個執法一個是有關廣告的一個是有關契約公平的一個是我們有關那個就是這裡面幾個執法這個三個執法我們大概也跟業者已經溝通已經幾乎調整完畢我們可能最近就會預告\n\n04:46.545 --> 05:06.760\n主委今天我有一個提案就是希望金管會能夠來納管大型的租賃公司這部分那因為租賃資金是企業的命脈那各項資金隆重管道應該納為管理因為國內各融資公司上千家對不對那這些都是從事放款、保證、票據、貼現等\n\n05:08.081 --> 05:32.094\n提供中小企業的一個資金需求所以過去確實這個長久以來衍生了許多的社會問題這個部分金管會責無旁貸所以要求金管會三個月內將這個先行納管的部分先行納管在一個月內好不好一個月內對我們財務會提出進度的報告會不會跟委員報告一下就是說我們這個進度我們可能應該是在\n\n05:33.115 --> 05:51.932\n如果在四月初應該就可以把這個執法就預告就是應該這樣可以差不多可以在快的話四月初我們就可以預告了所以剛才我我們也非常非常贊同委員剛剛那個建議我們現在第一波會會針對大型的私家上市上市櫃的融資\n\n05:52.933 --> 06:08.653\n主領公司跟他所匣的12個子公司一併納入我們第一波的適用範圍之內所以我想這波我們會按照委員的指示主委希望說讓租賃借貸這個業務能夠更加的完善\n\n06:09.053 --> 06:31.506\n是好不好這個環境能更加友善那再來就是金管會推動永續金融ESG包含環境社會公司治理那一直是金融政策的重要方向在美國川普總統上任之後針對114年相關作為政策更新資訊接受真實性金融商品監理等三方面有沒有進行調整主委\n\n06:33.006 --> 06:55.115\n我們現在有關永續金融因為金管會所主政的部分就是永續金融的部分那永續金融部分我們還是按照我們的既定的時程在推動像我剛才在業務報告裡面比如說我們今年所有的公司上次貴公都要編永續報告書那我們接下來呢114年是不是擴大適用對象\n\n06:56.096 --> 07:00.780\n我們永續報告室已經全部都要因為它是自足年金融機構已經適用了早就適用\n\n07:05.066 --> 07:26.250\n那另外就是說ESG的資訊揭露的真實性與可比較性其實是最關注的部分當然我們也有要求他們要進行確信還就是要經過由第三方公正的地方做如果揭露資料未適時求是否有懲處或者是更正機構來保護這些投資人權益有什麼樣的機制\n\n07:26.650 --> 07:55.665\n根據我們現在的法規如果說是列入在比如說他的財報跟年報那基本上他是有一定的法律的那個真實的義務那當然這部分我們他的所有對外的揭露的文書那法律有規定的那當然不在話下我們也是希望他任何對外公佈的任何的這些的報告呢都要具有真實性這是一定的這是最基本的要求只是他法律的規定不同會有不同的適用\n\n07:56.685 --> 08:05.453\n對啦永續金融不是口號嘛是對不對需要具體的一個接力偵測明確的指標還有有效的查核好不好是沒問題謝謝主委謝謝謝謝謝謝委員好謝謝謝謝委員的這個質詢\n\n","segments":[{"start":0.109,"end":6.69,"text":"主席有請金管會彭主委彭主委請委員好主委好"},{"start":8.075,"end":27.21,"text":"主委金管會的一項新規定就是預告修法有兩大重點一是刪除券商高淨值客戶條件回歸券商KYC與KYP的規定二拉高申請兼營全權委託門檻"},{"start":30.612,"end":46.425,"text":"法規預告兩個月預告期兩個月那這部分是不是請主委在這邊簡單說明我想主要是我們財富管理業務一開始的時候主要是在銀行端的業務後來呢因為我們有發現到其實保險跟證券也都有這個業務所以我們陸續的開放"},{"start":48.467,"end":75.524,"text":"比如說保險的財富管理的應注意事項證券商的應注意事項那主要是因為我們在銀行的部分呢他已經把這個條件把它改變了所以我們的券商這邊呢也比照這個辦理我想這個大概是一致性的規定啦大概主要是這樣的原因對 那券商公會是認為說因為一個高淨值客戶的名稱那讓業務上這種綁手綁腳所以建議刪除啦"},{"start":77.901,"end":87.604,"text":"讓業務執行能夠更有彈性,同時也能夠服務小額投資人我還是要提醒主委,要明確的揭露相關的手續費風險不要讓這項政策的推動,變成一個問題重重的部分"},{"start":96.866,"end":119.838,"text":"那再來就是說目前台灣除了護國神山台積電還有電子相關代工產業之外還是以中小企業為主但是因為中小企業有時候公司的一個組織不夠健全財務也不夠完備所以無法自銀行取得其營運所需的全部資金那所以反而會就像這些"},{"start":121.939,"end":150.011,"text":"地下融資或者一些其他的融資業者來做一個取得資金那造成這個地下金融日益猖獗那暴力討債事件也是層出不窮造成嚴重的社會問題那政府應該要特別重視行政院在民國97年1月30號院會上通過融資公司的融資公司法草案由於該年該草案送進立法院審議那一直到現在"},{"start":150.791,"end":178.844,"text":"可不可以請主委告訴我們進度如何好我想跟委員委員長很關注這個問題我想主要是融資公司其實上融資公司是我們一般的同層其實我們在實務上並沒有這樣一個確實的業態他主要是反映在他的營業活動上面比如說他有做所謂的應收賬款買賣或是做一些類似可以有待放這樣的行為他的公司的名稱樣態非常非常多種這也是"},{"start":179.244,"end":205.973,"text":"在過去我們在討論這些納管非常非常困難本質上很有可能是其他業態但他可能有從事到這個活動這主要的原因是我們在中華民國的法治之下融資業務就跟借錢這件事情跟人家借錢這件事情不是一個特許事業就像我們朋友之間任何人都可以有這個借貸但是如果跟別人吸收存款這件事情就是一個特許事業或是你做轉匯這些東西就是個特許事業所以很多人就"},{"start":206.733,"end":231.016,"text":"就以為說這個東西大概是一個比較比較所謂是銀行的業務其實不是那我想說這個就是因為衍生說很多很多業態都可以來做但是呢從最近幾年來可以看得到就是因為這些類似融資的行為因為他畢竟沒有受到比較嚴格的管理所以呢就會有這樣的一個衍生問題像比如說前陣子對BMPL或是這些分離貸款所以我們就"},{"start":232.525,"end":260.804,"text":"想到一個方式我們就是應該立刻應該很快就會做到就是我們會先針對這些所謂的融資公納型的融資公司去先做處理融資公司專訪我們現在是委託銀行公會的研究他們在做初稿的這樣的研究我們還持續在研究對那所以是我們現在接下來要做的是大型租賃公司先行納管是的對不對那先行納管之後是不是只修正這個金保法的部分目前"},{"start":261.184,"end":285.725,"text":"我們金保法是不用修的因為我們金融消費者保護法第三條裡面就有授權給金管會這樣的權利我們需要調整的是金保法所授權的三個執法一個是有關廣告的一個是有關契約公平的一個是我們有關那個就是這裡面幾個執法這個三個執法我們大概也跟業者已經溝通已經幾乎調整完畢我們可能最近就會預告"},{"start":286.545,"end":306.76,"text":"主委今天我有一個提案就是希望金管會能夠來納管大型的租賃公司這部分那因為租賃資金是企業的命脈那各項資金隆重管道應該納為管理因為國內各融資公司上千家對不對那這些都是從事放款、保證、票據、貼現等"},{"start":308.081,"end":332.094,"text":"提供中小企業的一個資金需求所以過去確實這個長久以來衍生了許多的社會問題這個部分金管會責無旁貸所以要求金管會三個月內將這個先行納管的部分先行納管在一個月內好不好一個月內對我們財務會提出進度的報告會不會跟委員報告一下就是說我們這個進度我們可能應該是在"},{"start":333.115,"end":351.932,"text":"如果在四月初應該就可以把這個執法就預告就是應該這樣可以差不多可以在快的話四月初我們就可以預告了所以剛才我我們也非常非常贊同委員剛剛那個建議我們現在第一波會會針對大型的私家上市上市櫃的融資"},{"start":352.933,"end":368.653,"text":"主領公司跟他所匣的12個子公司一併納入我們第一波的適用範圍之內所以我想這波我們會按照委員的指示主委希望說讓租賃借貸這個業務能夠更加的完善"},{"start":369.053,"end":391.506,"text":"是好不好這個環境能更加友善那再來就是金管會推動永續金融ESG包含環境社會公司治理那一直是金融政策的重要方向在美國川普總統上任之後針對114年相關作為政策更新資訊接受真實性金融商品監理等三方面有沒有進行調整主委"},{"start":393.006,"end":415.115,"text":"我們現在有關永續金融因為金管會所主政的部分就是永續金融的部分那永續金融部分我們還是按照我們的既定的時程在推動像我剛才在業務報告裡面比如說我們今年所有的公司上次貴公都要編永續報告書那我們接下來呢114年是不是擴大適用對象"},{"start":416.096,"end":420.78,"text":"我們永續報告室已經全部都要 因為它是自足年金融機構已經適用了 早就適用"},{"start":425.066,"end":446.25,"text":"那另外就是說ESG的資訊揭露的真實性與可比較性其實是最關注的部分當然我們也有要求他們要進行確信還就是要經過由第三方公正的地方做如果揭露資料未適時求是否有懲處或者是更正機構來保護這些投資人權益有什麼樣的機制"},{"start":446.65,"end":475.665,"text":"根據我們現在的法規如果說是列入在比如說他的財報跟年報那基本上他是有一定的法律的那個真實的義務那當然這部分我們他的所有對外的揭露的文書那法律有規定的那當然不在話下我們也是希望他任何對外公佈的任何的這些的報告呢都要具有真實性這是一定的這是最基本的要求只是他法律的規定不同會有不同的適用"},{"start":476.685,"end":485.453,"text":"對啦 永續金融不是口號嘛 是對不對 需要具體的一個接力偵測 明確的指標還有有效的查核 好不好是 沒問題謝謝主委 謝謝謝謝 謝謝委員好 謝謝謝謝委員的這個質詢"}]}}},"gazette":{"lineno":200,"blocks":[["顏委員寬恒：（9時35分）主席、各位列席官員，大家早。主席，有請金管會彭主委。"],["主席：彭主委，請。"],["彭主任委員金隆：委員好。"],["顏委員寬恒：主委好。主委，金管會的一項新規定就是預告修法有兩大重點，一、刪除券商高淨值客戶條件，回歸券商KYC與KYP的規定；二、拉高申請兼營全權委託門檻。法規預告期兩個月，這部分是不是請主委在這邊簡單說明。"],["彭主任委員金隆：財富管理業務一開始的時候主要是在銀行端的業務，後來因為我們有發現其實保險跟證券也都有這個業務，所以我們陸續開放，比如說保險財富管理應注意事項、證券商應注意事項。主要是因為在銀行的部分，它已經把這個條件改變了，所以券商這邊也比照辦理，我想這大概是一致性的規定，主要是這樣的原因。"],["顏委員寬恒：券商公會認為因為「高淨值客戶」的名稱讓業務綁手綁腳，所以建議刪除，讓業務執行能夠更有彈性，同時也能夠服務小額投資人。我還是要提醒主委，要明確揭露相關手續費、風險。"],["彭主任委員金隆：當然。"],["顏委員寬恒：不要讓這項政策的推動變成問題重重的部分。"],["彭主任委員金隆：是，謝謝。"],["顏委員寬恒：再來就是說，目前臺灣除了護國神山台積電，還有電子相關代工產業之外，還是以中小企業為主，但是因為中小企業有時候公司組織不夠健全，財務也不夠完備，所以無法至銀行取得其營運所需的全部資金，所以反而就會向這些地下融資或者一些其他融資業者取得資金，造成地下金融日益猖獗，暴力討債事件也是層出不窮，造成嚴重的社會問題，政府應該要特別重視。行政院在民國97年1月30號院會通過融資公司的融資公司法草案，於該年將該草案送進立法院審議一直到現在，可不可以請主委告訴我們進度如何？"],["彭主任委員金隆：委員一向很關注這個問題，主要是融資公司是我們一般的通稱，其實我們在實務上並沒有這樣一個確實的業態，它主要是反映在它的營業活動上面，比如說它有做所謂的應收帳款買賣，或是做一些類似可以有貸放這樣的行為，其公司名稱樣態非常非常多種，這也是過去我們在討論這些要納管非常非常困難，它本質上很有可能是其他業態，但可能有從事到這個活動，這主要的原因是在我們中華民國的法制之下，融資業務，就是跟人家借錢這件事情，不是一個特許事業，就像朋友之間任何人都可以有借貸。但是如果跟別人吸收存款這件事情就是特許事業，或是做轉匯這些就是個特許事業，所以很多人就以為這大概比較是所謂銀行業務，其實不是，我想就是因為衍生很多很多的業態都可以來做，但是從最近幾年來可以看得到，這些類似融資的行為因為它畢竟沒有受到比較嚴格的管理，所以就會有這樣一個衍生的問題，比如說我們前一陣子對BNPL或是這些分期貸款，所我們就想到一個方式，我們應該很快就會做到，就是我們會先針對這些大型融資公司先做處理，融資公司專法現在是委託銀行公會研究，他們在做初稿的研究，我們還持續在……"],["顏委員寬恒：還在研究？"],["彭主任委員金隆：對，是的。"],["顏委員寬恒：所以現在接下來要做的是大型租賃公司先行納管，對不對？"],["彭主任委員金隆：是的。"],["顏委員寬恒：先行納管之後，目前是不是只修正金保法的部分？"],["彭主任委員金隆：金保法是不用修的，因為金融消費者保護法第三條裡面就有授權給金管會這樣的權利，我們需要調整的是金保法所授權的3個子法，一個是有關廣告的，一個是有關契約公平的，一個是有關……這裡面幾個子法，這3個子法我們也跟業者溝通，已經幾乎調整完畢，我們可能最近就會預告。"],["顏委員寬恒：主委，今天我有一個提案，就是希望金管會能夠納管大型租賃公司這部分，因為資金是企業的命脈，各項資金融通管道應該納為管理，因為國內各融資公司上千家，這些都是從事放款、保證、票據貼現等，提供中小企業的資金需求，所以過去確實長久以來衍生了許多社會問題，這個部分金管會責無旁貸，所以要求金管會3個月內將先行納管的部分……在1個月內啦！好不好？"],["彭主任委員金隆：沒問題。"],["顏委員寬恒：1個月內對財委會提出進度的報告，好不好？"],["彭主任委員金隆：我也跟委員報告一下，這個進度我們可能應該是在4月初就可以把子法預告，應該差不多就可以，大概快的話，4月初我們就可以預告了，所以我們也非常贊同委員剛剛的建議，我們現在會針對4家大型上市櫃融資租賃公司與它所轄的12家子公司一併納入第一波的適用範圍之內，所以這部分我們會按照委員的指示，我們在這個……"],["顏委員寬恒：好，謝謝。主委，希望讓租賃借貸這個業務能夠更加的完善，好不好？"],["彭主任委員金隆：是。"],["顏委員寬恒：環境能更加友善。","再來就是金管會推動永續金融、ESG，包含環境、社會、公司治理，一直是金融政策的重要方向，在美國川普總統上任之後，針對114年相關作為，政策更新、資訊揭露真實性、金融商品監理等三方面有沒有進行調整，主委？"],["彭主任委員金隆：就是說我們現在有關永續金融，因為金管會所主政的部分就是永續金融的部分，那永續金融部分我們還是按照既定的時程在推動，像我剛才在業務報告裡面，比如說今年所有上市櫃公司都要編永續報告書，接下來呢……"],["顏委員寬恒：對，114年是不是擴大適用對象？會不會？"],["彭主任委員金隆：永續報告書已經全部都要編，因為我們是逐年。"],["顏委員寬恒：金融機構全部納入？"],["彭主任委員金隆：對，金融機構已經早就適用了。"],["顏委員寬恒：好，另外就是ESG資訊揭露的真實性與可比較性其實是最關注的部分。"],["彭主任委員金隆：當然，我們也有要求他們要進行確信，還有就是要經過由公正的第三方做確信。"],["顏委員寬恒：如果揭露資料未實事求是，是否有懲處或者是更正機制，以保護這些投資人權益？有什麼樣機制？"],["彭主任委員金隆：當然根據我們現在的法規，如果是列入在比如說它的財報及年報，基本上它是有一定的法律的真實義務，這部分它所有對外揭露的文書，法律有規定的當然不在話下，我們也是希望它任何對外公布的這些報告都要具有真實性，對不對？這是一定的，這是最基本的要求，只是法律的規定不同，會有不同的適用。"],["顏委員寬恒：對啦！永續金融不是口號嘛！對不對？"],["彭主任委員金隆：是。"],["顏委員寬恒：需要具體的監理政策、明確的指標，還有有效的查核，好不好？"],["彭主任委員金隆：是，沒問題。"],["顏委員寬恒：謝謝主委。"],["彭主任委員金隆：謝謝委員。"],["主席：謝謝顏委員的質詢。"],["主席（顏委員寬恒代）：接下來請賴士葆委員質詢。"]],"agenda":{"page_end":478,"meet_id":"委員會-11-3-20-4","speakers":["賴士葆","林德福","吳秉叡","顏寬恒","郭國文","賴惠員","李彥秀","鍾佳濱","李坤城","林思銘","黃珊珊","羅明才","陳玉珍","王世堅","張啓楷","徐欣瑩","邱志偉","楊瓊瓔"],"page_start":419,"meetingDate":["2025-03-26"],"gazette_id":"1143101","agenda_lcidc_ids":["1143101_00008"],"meet_name":"立法院第11屆第3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":"1143101_00007"}}}