{"error":false,"id":["151282"],"data":{"IVOD_ID":151282,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/151282","日期":"2024-04-17","會議資料":{"會議代碼":"委員會-11-1-20-8","會議代碼:str":"第11屆第1會期財政委員會第8次全體委員會議","屆":11,"會期":1,"會次":8,"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8次全體委員會議"},"影片種類":"Clip","開始時間":"2024-04-17T11:41:07+08:00","結束時間":"2024-04-17T11:53:21+08:00","影片長度":"00:12:14","支援功能":["ai-transcript","gazette"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/cfb4b12132f01627bd0bb60f274ad58bcf744a9f110b3b1fc5dab72e655c1c947d6d5c14b1ef24585ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"顏寬恒","委員發言時間":"11:41:07 - 11:53:21","會議時間":"2024-04-17T09:00:00+08:00","會議名稱":"立法院第11屆第1會期財政委員會第8次全體委員會議（事由：邀請金融監督管理委員會黃主任委員天牧、財政部莊部長翠雲、經濟部、行政院消費者保護處就「如何改善我國融資公司因缺乏監管所衍生之社會亂象，以穩定金融市場並保障消費者權益」進行專題報告，並備質詢；另邀請內政部警政署、法務部列席備詢。）","gazette":{"lineno":725,"blocks":[["顏委員寬恒：（11時41分）主席、各位列席官員。主席，我想依序邀請金管會黃主委、財政部莊部長，還有經濟部陳次長。"],["主席：請黃主委、莊部長、陳次長。"],["黃主任委員天牧：委員好。"],["顏委員寬恒：主委好。部長還有次長，大家好。"],["莊部長翠雲：委員好。"],["陳次長正祺：委員好。"],["顏委員寬恒：最近因為中東戰事，導致股票波動，黃金價格更是誇張的飆漲，臺灣銀行黃金存摺售價從今年第一個交易日的1錢臺幣2,069元，來到上週五、12日的高點是1錢2,502元，成長超過20%。過去影響包括外資、投資人、菜籃族，現在直接影響到要結婚的新人，因為大家在傳統禮俗上都要購買黃金增加喜氣，還有各個產業也都需要貴重金屬。黃金價格雖然屬於央行的管理範疇，但影響都是連動的。請教部長、主委還有次長，知不知道昨天銀樓的報價1錢多少錢？知道嗎？不知道！我告訴你，1錢是9,630元，等於破萬是有望的。1錢是3.75克，總共是9,630元。請部長、主委都要掌握這些對於整體財政影響的訊息。部長，請回座。","主委，三大金融公司──中租、裕融跟和潤透過業務通路對外宣布，4月1日全面調降汽機車可貸成數，其中機車可貸金額從30萬降到10萬，本席認為大量放貸給邊緣戶造成債臺高築，與許多社會安全問題都有相關。請教主委，已經過了兩個多禮拜，你有掌握這個情況嗎？"],["黃主任委員天牧：有。"],["顏委員寬恒：有沒有辦法預估今年融資貸款的總件數會有多少，還有增加的貸款金額會有多少？"],["黃主任委員天牧：謝謝您的指導。我們在剛才的報告中有提到，4月3號公會就通過內部的自律規範，其中也包括內部的融資標準等等，預計可能在金額上跟件數上都會下降，我們會再密切注意這些事情。"],["顏委員寬恒：會下降、有掌握，但是不曉得件數跟金額會落在……"],["黃主任委員天牧：有，我們可以定期跟這些租賃公司瞭解。"],["顏委員寬恒：好。接著請教陳正祺次長。"],["陳次長正祺：委員好。"],["顏委員寬恒：金管會沒有辦法管理國內的融資公司，因為沒有法令。針對這些地下經濟，根據本席向經濟部要到的資料顯示，國內公司名稱有財務管理、融資、資融的，近三年公司登記的家數成長了22家，代表這個產業在臺灣是很賺錢的。請教次長，經濟部核准設立的標準是什麼？有沒有積極管制公司成立的數量？"],["陳次長正祺：我們依照公司法來受理公司登記，原則上不會有條件。"],["顏委員寬恒：不會有條件？"],["陳次長正祺：它只要符合公司法登記的要求，比方資本充實原則，實際上有相關董事等等的組成，只要合乎公司法規定，原則上……"],["顏委員寬恒：符合法令就可以申請，但是他們所做的這些業務，就像剛剛其他委員講的，低利跟銀行行庫借錢，然後高利放給社會邊緣戶及有需要的年輕人，收取高利被人家認為是高利貸，卻只要符合公司法就可以來申請。"],["陳次長正祺：第一個、現在沒有融資公司這個類別，所以公司登記的時候沒有融資公司，但是……"],["顏委員寬恒：行政院在97年1月30號就通過融資公司法草案，但是在該年2月3號逕付一讀之後就沒有下文，所以我想要問，不管是經濟部還是金管會，是不是消極的、沒有針對目前我們在討論的融資公司法這個問題？97年就已經一讀付委，為什麼沒有積極的作為來訂立這個專法？"],["陳次長正祺：現在行政院有指示，包括金管會、財政部、經濟部等，有在研議未來要怎麼樣來處理這件事情。因為融資是一個坊間的說詞，基本上，它的本質是一個借貸行為，只要沒有用到公眾的資金，金管會目前認為它是保護全國社會大眾的資產，它沒有用到大眾資金，而是以個人的錢，目前法律上並沒有辦法介入個人的借貸行為。"],["顏委員寬恒：請教金管會黃主委，接著剛剛的議題，銀行有銀行法，證券業有證券交易法，保險業有保險法規範，融資公司什麼時候要立法納管？我們剛剛提到97年一讀付委沒有下文，在你的任內、520之前，會不會有行政院的版本出來？"],["黃主任委員天牧：這個部分目前大家還在討論，包括剛才消保處鍾處長也有提到，他有在研究各國的法制。因為現在融資公司讓大家物議的一些地方，包括利率，還有重複收費，有些其實現行法規或消保法就可以去管。"],["顏委員寬恒：弊端已經這麼多而且受到社會關注，這樣跟民眾收取高額利率，其實是以非常低的利率從各個銀行行庫拿錢，做這種無本的生意、免錢的生意，是不是會讓人家以為政府默許、政府成為地下金融的幫助犯，難道你們不怕有這樣的說法嗎？"],["黃主任委員天牧：您的關切非常重要，我們也非常在乎，在這中間消費者或是貸款人的權益有沒有充分告知，以及有沒有被加計不當的費用跟利率，我們都關心，所以……"],["顏委員寬恒：臺灣的經濟主要是依靠中小企業，但是很多中小企業因為公司組織不夠健全、財務不夠完整，沒有辦法從銀行或者金融機構取得其營運所需的全部資金，反而向地下金融借取，就會造成地下金融日益猖獗。因為地下金融免去了層層徵信、照會，對於借款者提供免保證人、有票就可以借，還有迅速撥款等等，所以暴力討債事件層出不窮，引發嚴重社會問題，我們也常常耳聞。如果趕快提出融資公司法草案，可以將金融活動全部導入正軌，有效地讓目前高利貸及地下金融的問題獲得法律規範，所以應該要積極、儘速，好不好？因為都已經討論得很全面了，對不對？還需要多少時間呢？"],["黃主任委員天牧：沒有。像召委今天開這個會議就是要廣納各家的意見。"],["顏委員寬恒：所以應該要儘速，不應該再拖延，可不可以在你任期內完成？"],["黃主任委員天牧：報告委員，我現在是待命要離開的，所以應該是交接過程中，不適合做重大的決策。"],["顏委員寬恒：是，沒有錯，但是你應該有守有為。"],["黃主任委員天牧：是。"],["顏委員寬恒：還是要做，只要在任期內，還是要做，尤其這個事件受到所有人關注，包括召委也非常關心，對不對？"],["黃主任委員天牧：對。"],["顏委員寬恒：我們所有委員提出的這些看法和建議，請金管會要積極地來推動。","另外，融資公司相對於銀行更容易過件，放款利率也高，而且不需要抵押品，所以它特別吸引這些年輕人，信用小白和信用瑕疵的這些人，因為他們在銀行借不到錢，所以只能用高利率來跟融資公司借，那麼這就跟高利貸一樣嘛。所以政府不能默許這種行為持續發生。","我還有一件事要請教，就是約定利率超過週年16%者，超過部分之約定無效，這是民法規定的？"],["黃主任委員天牧：是的。"],["顏委員寬恒：我舉個例，現在機車貸款可以貸款10萬，貸款10萬的話，只要不超過16%，用15%的利率借給他，那他一年的利率就要1.5萬，像這樣的高利，對這些年輕人來講，1.5萬也不算小數目。"],["黃主任委員天牧：是。"],["顏委員寬恒：這些融資公司會告訴你，因為約定利率是16%，只要把利率定在16%之內，就是合法的，所以這就變成是政府默許這些融資公司拿低利的資本，來從事高利貸，作為收入。難道這16%不可以調降嗎？不可以修改嗎？可以嗎？"],["黃主任委員天牧：報告委員，民法規定最高是16%，不是說只能收16%，可以就他的信用風險去charge，只有當還款延滯的時候，可能會收到16%，所以這個還要看個案，跟您報告。"],["顏委員寬恒：那我們不能夠把這個調整嗎？不能下降嗎？"],["黃主任委員天牧：民法是民法，不是金管會定的，民法是法務部的。"],["顏委員寬恒：大家關注這個事情，已經發生很多社會事件，所以我們不可以讓他們這樣子吸引這些信用小白，吸引這些年輕人，他們不易貸款，可能在銀行徵信的過程中，沒有辦法順利取得他們需要的貸款，而轉向跟這些融資公司借，變成向地下錢莊借錢。這個不只是我們不可以同意，主管機關要積極地做有效的管理。"],["黃主任委員天牧：委員，我在最後30天會繼續努力，你放心，謝謝。"],["顏委員寬恒：加油啦！拜託。"],["黃主任委員天牧：謝謝。謝謝委員。"],["顏委員寬恒：謝謝。"],["主席：謝謝顏寬恒委員。","接著我們請陳培瑜委員質詢。"]],"agenda":{"page_end":148,"meet_id":"委員會-11-1-20-8","speakers":["郭國文","林德福","吳秉叡","賴士葆","王鴻薇","黃珊珊","賴惠員","李坤城","李彥秀","王世堅","顏寬恒","陳培瑜","陳玉珍","羅明才","林楚茵","洪孟楷","黃國昌","鄭天財Sra Kacaw","伍麗華Saidhai‧Tahovecahe","鍾佳濱","吳春城","陳亭妃","王定宇","邱志偉"],"page_start":81,"meetingDate":["2024-04-17"],"gazette_id":"1132901","agenda_lcidc_ids":["1132901_00004"],"meet_name":"立法院第11屆第1會期財政委員會第8次全體委員會議紀錄","content":"邀請金融監督管理委員會黃主任委員天牧、財政部莊部長翠雲、經濟部、行政院消費者保護處就\n「如何改善我國融資公司因缺乏監管所衍生之社會亂象，以穩定金融市場並保障消費者權益」進\n行專題報告，並備質詢；另邀請內政部警政署、法務部列席備詢","agenda_id":"1132901_00003"}},"transcript":{"pyannote":[{"speaker":"SPEAKER_02","start":2.86596875,"end":5.14409375},{"speaker":"SPEAKER_02","start":5.32971875,"end":15.285968750000002},{"speaker":"SPEAKER_00","start":5.8697187500000005,"end":6.443468750000001},{"speaker":"SPEAKER_00","start":17.90159375,"end":18.37409375},{"speaker":"SPEAKER_02","start":19.20096875,"end":22.81221875},{"speaker":"SPEAKER_00","start":21.49596875,"end":21.96846875},{"speaker":"SPEAKER_02","start":23.18346875,"end":24.06096875},{"speaker":"SPEAKER_02","start":24.49971875,"end":25.22534375},{"speaker":"SPEAKER_02","start":26.727218750000002,"end":30.50721875},{"speaker":"SPEAKER_02","start":30.878468750000003,"end":37.10534375},{"speaker":"SPEAKER_02","start":37.12221875,"end":38.72534375},{"speaker":"SPEAKER_02","start":39.16409375,"end":42.48846875},{"speaker":"SPEAKER_02","start":42.92721875,"end":45.45846875},{"speaker":"SPEAKER_02","start":45.67784375,"end":49.89659375},{"speaker":"SPEAKER_02","start":50.09909375,"end":50.588468750000004},{"speaker":"SPEAKER_02","start":50.84159375,"end":58.01346875},{"speaker":"SPEAKER_02","start":58.283468750000004,"end":60.173468750000005},{"speaker":"SPEAKER_02","start":60.62909375,"end":61.37159375},{"speaker":"SPEAKER_02","start":61.69221875,"end":64.83096875000001},{"speaker":"SPEAKER_02","start":65.30346875000001,"end":65.64096875},{"speaker":"SPEAKER_02","start":66.63659375,"end":72.52596875},{"speaker":"SPEAKER_02","start":73.01534375,"end":74.92221875},{"speaker":"SPEAKER_02","start":75.12471875,"end":77.03159375},{"speaker":"SPEAKER_02","start":79.36034375,"end":79.83284375000001},{"speaker":"SPEAKER_02","start":80.91284375000001,"end":83.17409375000001},{"speaker":"SPEAKER_02","start":83.24159375,"end":86.00909375},{"speaker":"SPEAKER_02","start":86.75159375000001,"end":87.10596875},{"speaker":"SPEAKER_02","start":87.56159375,"end":95.71221875},{"speaker":"SPEAKER_02","start":95.96534375,"end":99.96471875},{"speaker":"SPEAKER_02","start":100.15034375,"end":101.71971875000001},{"speaker":"SPEAKER_02","start":101.80409375,"end":103.99784375},{"speaker":"SPEAKER_02","start":104.35221875,"end":105.46596875},{"speaker":"SPEAKER_02","start":107.27159375000001,"end":108.06471875000001},{"speaker":"SPEAKER_02","start":108.99284375,"end":110.29221875},{"speaker":"SPEAKER_02","start":110.34284375,"end":111.10221875},{"speaker":"SPEAKER_02","start":112.36784375,"end":113.34659375000001},{"speaker":"SPEAKER_02","start":114.51096875,"end":119.43846875000001},{"speaker":"SPEAKER_02","start":119.62409375000001,"end":121.71659375},{"speaker":"SPEAKER_02","start":121.90221875,"end":124.21409375},{"speaker":"SPEAKER_02","start":124.29846875000001,"end":127.03221875000001},{"speaker":"SPEAKER_02","start":127.26846875000001,"end":131.40284375000002},{"speaker":"SPEAKER_02","start":131.95971875,"end":135.43596875},{"speaker":"SPEAKER_02","start":135.75659375,"end":136.78596875},{"speaker":"SPEAKER_02","start":137.20784375,"end":139.11471875},{"speaker":"SPEAKER_02","start":139.51971875,"end":141.30846875},{"speaker":"SPEAKER_02","start":141.91596875000002,"end":144.51471875000001},{"speaker":"SPEAKER_02","start":144.71721875,"end":146.18534375000002},{"speaker":"SPEAKER_02","start":146.47221875,"end":146.82659375},{"speaker":"SPEAKER_00","start":147.04596875000001,"end":147.19784375},{"speaker":"SPEAKER_02","start":147.19784375,"end":149.13846875000002},{"speaker":"SPEAKER_02","start":149.35784375,"end":151.80471875},{"speaker":"SPEAKER_02","start":152.02409375000002,"end":152.76659375},{"speaker":"SPEAKER_02","start":153.08721875,"end":156.04034375},{"speaker":"SPEAKER_00","start":156.15846875,"end":172.74659375000002},{"speaker":"SPEAKER_02","start":173.86034375,"end":178.14659375000002},{"speaker":"SPEAKER_00","start":177.67409375,"end":180.89721875},{"speaker":"SPEAKER_02","start":180.34034375000002,"end":180.71159375000002},{"speaker":"SPEAKER_02","start":180.89721875,"end":184.62659375},{"speaker":"SPEAKER_00","start":184.77846875,"end":184.96409375000002},{"speaker":"SPEAKER_01","start":184.96409375000002,"end":185.06534375},{"speaker":"SPEAKER_00","start":185.06534375,"end":185.09909375},{"speaker":"SPEAKER_02","start":185.09909375,"end":187.39409375000002},{"speaker":"SPEAKER_02","start":187.78221875,"end":193.41846875000002},{"speaker":"SPEAKER_02","start":193.94159375,"end":199.81409375},{"speaker":"SPEAKER_02","start":200.38784375,"end":203.96534375000002},{"speaker":"SPEAKER_02","start":204.33659375000002,"end":208.11659375000002},{"speaker":"SPEAKER_02","start":208.26846875,"end":212.68971875000003},{"speaker":"SPEAKER_02","start":213.22971875000002,"end":215.37284375000002},{"speaker":"SPEAKER_02","start":215.72721875000002,"end":216.99284375000002},{"speaker":"SPEAKER_02","start":217.39784375000002,"end":220.30034375000002},{"speaker":"SPEAKER_01","start":221.11034375000003,"end":237.44534375},{"speaker":"SPEAKER_01","start":237.61409375000002,"end":241.69784375},{"speaker":"SPEAKER_02","start":241.12409375000001,"end":247.18221875},{"speaker":"SPEAKER_02","start":247.50284375,"end":248.90346875},{"speaker":"SPEAKER_02","start":249.25784375,"end":250.96221875},{"speaker":"SPEAKER_02","start":251.18159375000002,"end":253.98284375000003},{"speaker":"SPEAKER_02","start":254.23596875,"end":260.44596875},{"speaker":"SPEAKER_02","start":260.90159375,"end":268.47846875},{"speaker":"SPEAKER_01","start":268.69784375,"end":268.71471875000003},{"speaker":"SPEAKER_02","start":268.71471875000003,"end":270.03096875},{"speaker":"SPEAKER_01","start":270.03096875,"end":270.67221875},{"speaker":"SPEAKER_02","start":271.66784375000003,"end":271.68471875},{"speaker":"SPEAKER_01","start":271.68471875,"end":278.29971875},{"speaker":"SPEAKER_02","start":278.13096875,"end":288.15471875000003},{"speaker":"SPEAKER_00","start":278.29971875,"end":278.65409375},{"speaker":"SPEAKER_01","start":278.65409375,"end":278.89034375},{"speaker":"SPEAKER_02","start":288.54284375000003,"end":289.57221875},{"speaker":"SPEAKER_02","start":289.92659375,"end":293.45346875},{"speaker":"SPEAKER_02","start":293.65596875,"end":297.84096875},{"speaker":"SPEAKER_02","start":299.34284375000004,"end":301.55346875000004},{"speaker":"SPEAKER_02","start":301.94159375000004,"end":302.98784375},{"speaker":"SPEAKER_02","start":303.27471875000003,"end":309.94034375},{"speaker":"SPEAKER_01","start":310.63221875,"end":339.20159375000003},{"speaker":"SPEAKER_02","start":339.20159375000003,"end":341.73284375000003},{"speaker":"SPEAKER_02","start":344.61846875000003,"end":344.97284375000004},{"speaker":"SPEAKER_02","start":345.61409375,"end":348.02721875000003},{"speaker":"SPEAKER_02","start":348.66846875000005,"end":356.12721875},{"speaker":"SPEAKER_02","start":356.80221875,"end":363.23159375},{"speaker":"SPEAKER_02","start":363.73784375,"end":364.71659375},{"speaker":"SPEAKER_02","start":365.00346875,"end":370.40346875},{"speaker":"SPEAKER_02","start":371.04471875,"end":371.06159375000004},{"speaker":"SPEAKER_00","start":371.06159375000004,"end":372.04034375000003},{"speaker":"SPEAKER_00","start":372.14159375,"end":372.19221875000005},{"speaker":"SPEAKER_00","start":372.22596875000005,"end":383.12721875},{"speaker":"SPEAKER_00","start":383.48159375,"end":386.29971875},{"speaker":"SPEAKER_00","start":386.62034375,"end":388.83096875},{"speaker":"SPEAKER_00","start":389.10096875000005,"end":392.88096875},{"speaker":"SPEAKER_02","start":392.44221875000005,"end":409.28346875000005},{"speaker":"SPEAKER_02","start":409.77284375000005,"end":425.02784375000005},{"speaker":"SPEAKER_00","start":425.11221875,"end":427.81221875},{"speaker":"SPEAKER_00","start":428.43659375000004,"end":430.81596875},{"speaker":"SPEAKER_00","start":431.20409375,"end":440.73846875000004},{"speaker":"SPEAKER_02","start":440.04659375000006,"end":446.89784375000005},{"speaker":"SPEAKER_00","start":440.82284375,"end":440.97471875},{"speaker":"SPEAKER_02","start":446.93159375000005,"end":456.78659375},{"speaker":"SPEAKER_02","start":457.03971875,"end":460.90409375},{"speaker":"SPEAKER_02","start":461.12346875000003,"end":464.90346875},{"speaker":"SPEAKER_02","start":464.97096875000005,"end":466.70909375},{"speaker":"SPEAKER_02","start":467.43471875000006,"end":506.65221875000003},{"speaker":"SPEAKER_02","start":506.70284375000006,"end":508.62659375000004},{"speaker":"SPEAKER_02","start":509.03159375,"end":509.53784375000004},{"speaker":"SPEAKER_02","start":510.43221875000006,"end":511.78221875},{"speaker":"SPEAKER_00","start":510.53346875000005,"end":510.88784375000006},{"speaker":"SPEAKER_02","start":511.96784375000004,"end":512.00159375},{"speaker":"SPEAKER_00","start":512.00159375,"end":513.1828437500001},{"speaker":"SPEAKER_00","start":513.4697187500001,"end":517.46909375},{"speaker":"SPEAKER_02","start":516.64221875,"end":518.0090937499999},{"speaker":"SPEAKER_02","start":519.19034375,"end":521.8059687500001},{"speaker":"SPEAKER_02","start":522.2109687500001,"end":523.10534375},{"speaker":"SPEAKER_02","start":524.21909375,"end":524.92784375},{"speaker":"SPEAKER_00","start":525.1472187500001,"end":532.9097187500001},{"speaker":"SPEAKER_02","start":532.52159375,"end":540.87471875},{"speaker":"SPEAKER_00","start":535.9809687500001,"end":536.79096875},{"speaker":"SPEAKER_00","start":539.13659375,"end":539.3390937500001},{"speaker":"SPEAKER_02","start":541.09409375,"end":554.37471875},{"speaker":"SPEAKER_02","start":554.74596875,"end":555.45471875},{"speaker":"SPEAKER_02","start":556.33221875,"end":556.83846875},{"speaker":"SPEAKER_02","start":557.1928437500001,"end":573.5109687500001},{"speaker":"SPEAKER_02","start":574.05096875,"end":599.2622187500001},{"speaker":"SPEAKER_02","start":600.32534375,"end":602.02971875},{"speaker":"SPEAKER_02","start":602.13096875,"end":604.51034375},{"speaker":"SPEAKER_02","start":604.81409375,"end":605.9953437500001},{"speaker":"SPEAKER_02","start":606.78846875,"end":610.1128437500001},{"speaker":"SPEAKER_02","start":610.41659375,"end":611.6484687500001},{"speaker":"SPEAKER_02","start":612.25596875,"end":613.0659687500001},{"speaker":"SPEAKER_02","start":613.5890937500001,"end":614.6015937500001},{"speaker":"SPEAKER_02","start":615.1753437500001,"end":616.32284375},{"speaker":"SPEAKER_02","start":617.1328437500001,"end":618.85409375},{"speaker":"SPEAKER_02","start":619.3940937500001,"end":620.2209687500001},{"speaker":"SPEAKER_02","start":620.84534375,"end":623.0390937500001},{"speaker":"SPEAKER_02","start":623.7647187499999,"end":629.2153437500001},{"speaker":"SPEAKER_02","start":629.40096875,"end":631.3247187500001},{"speaker":"SPEAKER_02","start":632.0334687500001,"end":645.19596875},{"speaker":"SPEAKER_02","start":645.6515937500001,"end":648.38534375},{"speaker":"SPEAKER_02","start":648.87471875,"end":651.1697187500001},{"speaker":"SPEAKER_02","start":651.7434687500001,"end":654.6965937500001},{"speaker":"SPEAKER_02","start":655.5065937500001,"end":659.3034687500001},{"speaker":"SPEAKER_02","start":660.1809687500001,"end":663.58971875},{"speaker":"SPEAKER_02","start":663.7078437499999,"end":663.75846875},{"speaker":"SPEAKER_00","start":663.75846875,"end":675.7397187500001},{"speaker":"SPEAKER_02","start":675.7397187500001,"end":677.6297187499999},{"speaker":"SPEAKER_00","start":677.6297187499999,"end":683.02971875},{"speaker":"SPEAKER_02","start":684.14346875,"end":699.6853437500001},{"speaker":"SPEAKER_02","start":700.1240937500002,"end":700.5459687500002},{"speaker":"SPEAKER_02","start":702.53721875,"end":725.16659375},{"speaker":"SPEAKER_02","start":725.6728437500001,"end":727.5122187500001},{"speaker":"SPEAKER_00","start":725.90909375,"end":726.75284375},{"speaker":"SPEAKER_00","start":727.5122187500001,"end":731.10659375},{"speaker":"SPEAKER_02","start":730.51596875,"end":730.6172187500001},{"speaker":"SPEAKER_00","start":731.24159375,"end":731.2922187500001},{"speaker":"SPEAKER_02","start":731.2922187500001,"end":733.1653437500001},{"speaker":"SPEAKER_00","start":731.81534375,"end":733.0303437500002},{"speaker":"SPEAKER_01","start":733.0303437500002,"end":733.9753437500001}],"whisperx":[{"start":3.201,"end":10.83,"text":"主席、各位列席、官員主席,我想依序邀請金管會黃主委、財政部莊部長、經濟部陳次長委員好"},{"start":19.509,"end":40.322,"text":"主委好部長還有次長大家好那我想最近因為中東戰事那導致股票波動還有黃金價格更是飆漲誇張那根據台灣銀行的黃金存摺售價從今年的第一個交易日是2069元台幣一錢"},{"start":43.001,"end":64.601,"text":"那來到上週五12日的高點是1,2502元成長超過20%那過去包括影響外資投資人蔡蘭竹現在直接影響到要結婚的新人因為大家在傳統禮俗上面都要購買黃金增加喜氣那還有各個產業都需要這些貴重金屬那"},{"start":67.048,"end":75.361,"text":"這個黃金價格雖然是屬於央行的管理範疇但是影響都是聯動的所以請教部長、主委那還有次長知不知道昨天銀樓的報價一錢多少錢"},{"start":79.386,"end":105.003,"text":"知道嗎?不知道喔,我告訴你喔,一錢是九千六百三十元啦,一斤喔那等於是破萬是有望的啦,所以一錢是3.75克啦,那總共是九六三零元啦那我想要請所有部長、主委都要掌握這些整體的一個對於財政的影響,好那我再來"},{"start":109.042,"end":129.718,"text":"部長請回座那主委這個三大金融公司就是中租、育農跟和潤那透過業務通路對外宣布說在4月1日全部調降汽機車的可貸成數那其中機車可貸成可貸金額從30萬降到10萬"},{"start":132.32,"end":155.878,"text":"本席認為說大量的放貸給邊緣戶造成債台高築那更多的社會安全問題都有相關我想請教主委已經兩個禮拜多了過去兩個禮拜多你有掌握這個情況嗎那有沒有辦法預估說今年這個融資貸款的總件數會有多少還有增加的貸款金額會有多少"},{"start":156.538,"end":172.55,"text":"各位委員報告謝謝您指導我們在剛才有報告中4月3號他們公會又通過了內部的這個自律的規範那其中也包括內部的融資標準這些所以預計可能在金額上跟件數上都會都會下降我們會再密切注意這些事情"},{"start":173.919,"end":177.302,"text":"市長,因為金管會沒有辦法管理國內的融資公司,沒有法令"},{"start":193.999,"end":220.068,"text":"那這些地下經濟本席要向經濟部要到資料就是說根據我所上的資料國內公司名稱有財務公司融資之榮的近3年這公司的登記的一個加數3年成長了22家代表說這個產業在台灣是很賺錢的那請教次長經濟部核准設立的標準是什麼有沒有積極的管制公司成立的數量"},{"start":221.318,"end":246.026,"text":"報告委員我們依照公司法來來受理公司登記那原則上是不會有條件不會有條件他只要符合公司法的登記的要求比方說資本充實原則那他實際上有相關的這個董事等等的組成只要合乎公司法規定符合法令就可以申請但是他們所做的這些業務就是剛剛像剛剛委員講的說"},{"start":248.027,"end":270.219,"text":"第一例跟我們的這個行庫銀行借錢然後來高利的放給這些社會邊緣戶還有這些有需要的年輕人然後高額高利的收取這些這些代這個高利貸被人家認為是高利貸那這個我們也沒有就只要他符合公司公司法的申請就可以來申辦"},{"start":271.701,"end":297.309,"text":"第一個現在沒有融資公司這個類別所以他登記公司的時候沒有融資公司行政院在97年的1月30號就通過了融資公司的草案但在該年的2月3號進付一睹之後就沒有下文那所以我是想要問說不管是經濟部還是金管會是不是消極的沒有去針對目前我們所"},{"start":299.366,"end":304.998,"text":"我們在討論的這個問題就是融資公司法當初97年就已經驚呼一睹為什麼沒有積極的作為來成立這個專法"},{"start":311.18,"end":338.589,"text":"現在行政院有指示包括金管會、財政部、經濟部等我們有在研議這個未來要怎麼樣來處理這件事情因為融資這是一個坊間的說詞基本上它的本質是一個借貸行為只要它沒有用到公眾的資金的話金管會目前是認為它是保護全國社會大眾的資產所以它沒有用到大眾資金它個人的錢就我們目前法律上並沒有辦法去介入個人的借貸行為"},{"start":339.389,"end":355.963,"text":"市長我想請金管會黃主委是主委那我接著剛剛就是說銀行有銀行法證券業有證券交易法那保險業有這個保險法規範那我們剛剛提到了"},{"start":356.874,"end":370.146,"text":"融資公司什麼時候要立法納管那我們剛剛提到97年的時候經負一睹沒有下文那在你的任命在520之前會不會有行政院的版本"},{"start":371.092,"end":395.713,"text":"出來,會不會?這個部分目前還在大家還有討論那包括剛才消保處的中處長也有提到他有在研究各國的法制那我想這部分因為現在融資公司大家務役的一些地方包括利率還有重複收費有些其實可以現在的法規或消保法就是可以去管的所以說主委就是說弊端已經這麼多而且"},{"start":396.774,"end":424.634,"text":"社會關注那造成的我們這樣高額的跟民眾收取這些利率那從非常低的這個利率從這個各個行戶裡面跟銀行拿錢做這種無本的生意沒錢的生意那變成說是不是會讓人家以為說政府默許然後政府要成為地下金融的幫助犯難道你們不會怕有這樣子的一個說法嗎"},{"start":425.174,"end":446.339,"text":"委員您的關切非常重要我們也非常在乎在這之中間他的消費者或是貸款人的權益他會充分告知以及他有沒有對不當加計不當的費用跟利率我們都關心所以現在臺灣的經濟主要是依靠中小企業但是因為很多中小企業他因為"},{"start":447.139,"end":466.215,"text":"公司組織不夠健全財務不夠完整所以沒有辦法從銀行或者從金融機構取得其營運所需要的資金全部資金那所以他反而向地下金融來藉取所以就會造成我們現在的地下金融日益猖獗因為地下金融"},{"start":467.529,"end":486.261,"text":"免去了層層的這種徵信照會啊然後對於這些借款業者提供免保證啊免保證人啊用票有票就可以借啊還有迅速撥款等等所以暴力討債的事件層出不窮所以社會嚴重的社會問題我們也常常都耳聞"},{"start":487.142,"end":509.14,"text":"那融資公司法如果我們趕快提出草案融資公司法可以將金融活動全部導入正軌有效的讓目前高利貸及地下金融的問題獲得法律的規範所以這個應該要積極要盡速好不好因為我想討論都都已經討論得很全面了嘛對不對"},{"start":510.612,"end":510.712,"text":"主席"},{"start":524.301,"end":524.661,"text":"任期內報告"},{"start":541.576,"end":555.173,"text":"這個事件跟是受到所有人的關注．包括召委也非常關心對不對那我們所有委員還有提出的這些看法還有建議請我們金融會要積極的來推動那另外"},{"start":556.323,"end":573.882,"text":"議員議員"},{"start":574.053,"end":599.462,"text":"議員議員議員"},{"start":600.373,"end":605.369,"text":"就像偶爾舉個例那現在機車貸款他可以貸款10萬"},{"start":606.963,"end":606.983,"text":"委員會議員"},{"start":632.479,"end":658.227,"text":"讓這些對這些年輕人來講一點話是也不算小數目啦而你來跟他這些融資公司他會告訴你說因為約定利率16%我只要在16%之內我都是合法的所以這就變成說是政府默許這些融資公司拿低利的這個借貸來來做一個高利貸的一個收入啦所以我們已經"},{"start":660.359,"end":682.743,"text":"難道這16%不可以調降嗎?不可以修改嗎?可以嗎?報告委員這個民法最高是16不是說他只能收16他可以依照他的信用風險去charge那只有當他延續的時候可能會收到16所以這個還要看個案跟您報告那我們不能夠把這個調整嗎?不能下降嗎?民法的是民法不是金管會定的民法是法務部"},{"start":684.195,"end":700.256,"text":"我想齁這個不要再我應該講這個大家關注這些事情啦齁那它已經冶然發生了很多的社會事件所以我們要不可以讓這樣子一個用這種好像用"},{"start":703.438,"end":722.697,"text":"來吸取這些信用小白這些年輕人他們不利貸款在銀行可能徵信的過程當中沒有辦法順利的取得這些他們需要的貸款而轉向跟這些融資公司變成向地下錢莊借錢所以這個不只是我們不可以同意我們主管機關要積極的來做一個"},{"start":725.72,"end":725.74,"text":"韓國瑜"}]}},"supported_relations":[],"relations":[]}