{"error":false,"id":["150012"],"data":{"IVOD_ID":150012,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/150012","日期":"2024-03-18","會議資料":{"會議代碼":"委員會-11-1-20-4","會議代碼:str":"第11屆第1會期財政委員會第4次全體委員會議","屆":11,"會期":1,"會次":4,"臨時會會次":null,"種類":"委員會","委員會代碼":[20],"委員會代碼:str":["財政委員會"],"標題":"第11屆第1會期財政委員會第4次全體委員會議"},"影片種類":"Clip","開始時間":"2024-03-18T12:13:54+08:00","結束時間":"2024-03-18T12:25:49+08:00","影片長度":"00:11:55","支援功能":["ai-transcript","gazette"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/14550b3f67fe733a300db1aa2638c3cf1b0cd19bcd66f1b3f8ba9b0039caa7a65cb637de7fc32a3b5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"王世堅","委員發言時間":"12:13:54 - 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家這麼重大金額的經濟部問他只能管百萬分之三而且是公司法那在管什麼管所以儘管會現在這個不管的做法我認為就推卸責任了避重就輕把他推給經濟部經濟部我們實質去問他也一問三不知啊所以那個黃主委"},{"start":311.533,"end":334.074,"text":"我希望你今天就能夠正式答覆我到底你們管是不管啦基於事權統一基於金管會應該對我們國內做這樣子銀行業務的公司本來就應該要納管不是這樣嗎黃主委你的看法呢"},{"start":335.064,"end":358.347,"text":"委員是不是可以給我一點時間回覆您報告第一點我想第一次拜會您對金融事務的瞭解是非常尊敬我以下回答如果有跟您的想法不一樣的地方請您多包涵第一點這個人資公司是不是專屬銀行業務其實銀行法29條其實重點是吸收存款對不特定多數人吸收存款那是專屬業務"},{"start":359.648,"end":381.507,"text":"放款不是銀行的專屬業務這個就是漏洞這個我們會另外提案改修法但是但是放款跟存款是一體兩面的業務啊他們就是鑽這個漏洞我認為這就是立法上這一個疏忽那讓大家有話講不是這樣嗎你請說"},{"start":384.129,"end":389.472,"text":"經濟部公司登記中有這種公司業務有這種融資行為的有6800多家"},{"start":393.171,"end":414.506,"text":"那這就是現在的現況就現在就沒有說融資一定是專屬銀行業務然後跟你回答您垂詢的這幾家所謂的大型的融資公司我們管不管我跟您報告在2016、2017的時候它的洗錢房子就已經由主管機關在管融資性住院公司是我們在管"},{"start":415.327,"end":427.322,"text":"第二 去年年初大家談BNPL的時候我們就找最大的那家中租公中租集合來我說你們做這件事情一定要好好去做我們把銀行做"},{"start":428.362,"end":449.184,"text":"做這種授信的規則用了一個租賃做BNPL的原則給他請你在租賃公會通過請各租賃公司去遵循這是第二件事第三點最近網路上那個影片出來之後我們約談了四家上市櫃公司的這種大型租賃公司兩禮拜前我們開了一個會議"},{"start":450.726,"end":471.339,"text":"要求因為都是上市櫃要求交易所櫃買中心訂一個內控準則由金管會提供一個專業的內控準則要求這4家公司訂在自己的規定中怎麼樣去做這種尤其對年輕人的壽性租賃業務年底之前交易所櫃買中心去做內控查核第二點"},{"start":472.523,"end":472.843,"text":"黃主任委員"},{"start":490.271,"end":509.286,"text":"到了已經到金融怪獸這麼龐大的金融怪獸你竟然只要求他自律天啊他律都律不住了不是嗎報告委員那個內控是要年底前交易所要去查核的不是指自律第二點"},{"start":511.158,"end":534.498,"text":"我們會要求再訂一個完整的租賃公司做這種您關心對這種年輕人的這種授信的原則要求在公會中要求他們去遵循最重要您提到這些租賃公司的資金來源來自於金融機構票券公司銀行局也會去跟這些這就是我覺得最莫名其妙的他自家的錢去借"},{"start":535.427,"end":563.747,"text":"那還比較沒話講如果他是大量的如果把裕榮加進去我保守估計這三家等於五千億啦來自我們存款大眾存到銀行的錢被銀行大剌剌的用人情的方式低利借給這三家超大的金融怪獸租賃公司讓他們去放高利貸如果這樣子的放款是對的的話"},{"start":564.708,"end":592.148,"text":"那你銀行來做就好啊消費性貸款銀行直接可以做嘛銀行等於變相圖利了這三家租賃貫受報告委員我跟您報告因為時間有限我跟你講我認為的最可怕還有另外一個問題就是四個字超額授信啊你知道他們如何強害我們現在這一代的青年人嗎他們利用他們剛出社會那"},{"start":593.627,"end":613.09,"text":"要買車啦買其他消費品買一部80萬的車借他100萬你車子都不用自己出錢還20萬給你零用金結果這些是高額的利息跟超高額的違約金還有父母金擔保啊"},{"start":614.031,"end":638.39,"text":"青年人還有30年的工作餘命啊他們也不怕討不到那這些公司他們因為他假借他因為他不是銀行嘛所以他就找這個討債公司來討現在目前社會的情況是這個樣子所以超額授信這個我想您與金管會你這麼資深的金融專業來講"},{"start":639.744,"end":658.837,"text":"超額授信是所有銀行業金融機構最忌諱的事情結果現在我們眼睜睜的看這三家租賃怪獸他們每天在做超額授信的事情在搶賴我們社會的青年朋友們"},{"start":660.202,"end":675.704,"text":"法委員您宇宙新常的指示我們都會去處理尤其您講到對於年輕人的獸性超額部分我們會去處理我跟您報告他們用這個超額獸性來誘惑年輕人嘛是 我想委員會主席啊 抱歉主席我再30秒就好所以喔 我要求你這樣啦"},{"start":677.066,"end":701.016,"text":"請去查我們銀行是以什麼樣的名義貸款給這三家租賃公司這五千億的貸款銀行的融資融資給這三家金融怪獸租賃業是什麼樣的名義查這些放款融資有沒有中間不當的"},{"start":702.381,"end":702.981,"text":"接著我們請林楚雲委員質詢"}]}},"supported_relations":[],"relations":[]}