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10:10:02","會議時間":"2024-05-22T09:00:00+08:00","會議名稱":"立法院第11屆第1會期財政委員會第13次全體委員會議（事由：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。\n【5月20日及22日二天一次會】）","gazette":{"lineno":266,"blocks":[["賴委員惠員：（9時58分）謝謝主席，有請金管會主委。"],["主席：彭主委。"],["賴委員惠員：主委早安！"],["彭主任委員金隆：賴委員好。"],["賴委員惠員：非常歡迎主委，我們一起來為國家努力。在這裡我想跟你請教一下，你的人事是在4月底、5月初公布，那你拜訪過我們羅明才召委了嗎？"],["彭主任委員金隆：昨天本來有安排，但是我們突然……"],["賴委員惠員：昨天才安排？"],["彭主任委員金隆：因為我520上任，整天都在……"],["賴委員惠員：我現在講你的人事是4月底公布的，從5月初到現在這麼長的一段時間，沒有拜訪召委，其他的委員也沒有拜訪。"],["彭主任委員金隆：其他的委員我們本來都是安排在上任以後才開始拜訪。"],["賴委員惠員：我覺得是這樣子，可能你的幕僚稍嫌不足，其實我也是第一次看到你，我挑了這張照片，這張照片非常地帥，有沒有同感？"],["彭主任委員金隆：謝謝。"],["賴委員惠員：我還挑了一張最帥的。主委，幕僚的加強是非常需要的，你號稱點子王，是一個非常能溝通、在產官學界很特別的人才，我們希望你來接掌金管會，會有非常好的戰績、成績。我要請教主委，你曾經擔任宏泰人壽、中國人壽、臺銀人壽及中信保險子公司的獨董，跟業界的關聯性、互動這麼直接，未來會不會有業界的壓力呢？"],["彭主任委員金隆：我想應該不會有這個問題，其實站在行政機關依法行政的立場，我現在擔任金管會的角色，我就一定全力做好這個分際。"],["賴委員惠員：當然，你非常有自信，可是這3家保險公司其實都面臨到財務指標一直拉警報，你怎麼樣處理這3家保險公司增資的問題？怎麼解決呢？你有沒有想過呢？很多時間你沒有來拜訪我們，你不知道我們對你最關心的議題是什麼，我們只好在這個地方一一請教你。"],["彭主任委員金隆：就剛剛賴委員的指正，我們回去會虛心檢討，就是有關……"],["賴委員惠員：在這段時間你沒有來拜訪我們，所以你應該也有很多……業界不管是中信保險公司還是宏泰人壽，宏泰人壽現在面臨到非常大財務指標的困境，你有沒有想到如果利用增資，怎麼樣來解決這3家保險公司的問題？因為保險是你的內行，有沒有想過這樣的問題？"],["彭主任委員金隆：剛剛委員指教這3家公司，我想宏泰現在應該是資本適足達標的公司。剛才委員提到新光這3家……"],["賴委員惠員：它只到了達標喔。"],["彭主任委員金隆：是。"],["賴委員惠員：你也知道它其實有很大的困難點。"],["彭主任委員金隆：我們都會密切關注，因為我們大概每半年會依法去檢視它的資本適足率，目前宏泰是符合我們的規定的，當然，後面這兩家確實是按照我們的增資計畫在進行中。"],["賴委員惠員：所以在這裡特別跟主委做一個提醒，因為這3家保險公司跟主委曾經的互動是這麼緊密的。未來我們也知道主委支持的態度，就是你希望外匯資產負債不匹配，這是你的態度，這個以後慢慢會有很多的議題，我們當然希望大家可以共同討論。"],["彭主任委員金隆：是，瞭解。"],["賴委員惠員：到底臺灣的資金是要拿到海外去投資，還是有沒有辦法成功地把海外的資金拿回來投資我們臺灣自己的產業？臺灣有非常多的產業是非常好的，有賴於主委個人對於整個國家標的的努力，這需要大家透過不同的議題慢慢地來探討。"],["彭主任委員金隆：是。"],["賴委員惠員：特別提醒你，在你的專業裡頭，保險當然是沒有問題，你可以迎刃而解，可是面對金融的現狀，我們當然希望主委是準備好了。在這裡特別跟主委請教一下，我想延續上一位顏寬恒委員提出租賃公司的問題，從你的報告可以看得出來，對於融資的租賃公司，你還是把這個爭議丟給櫃買中心、證交所去解決，如果這些問題可以透過這兩個單位解決的話，我相信不用很多、很多的委員不斷地在提醒你。這是一個非常大的問題。主委，你看過山道猴子這塊片子嗎？"],["彭主任委員金隆：我有聽過。"],["賴委員惠員：你有聽過？"],["彭主任委員金隆：對。"],["賴委員惠員：你的幕僚沒有給你看？這裡面存在當今社會很多、很多的問題。租賃公司透過不正常的管道，你看，它竟然有辦法放高利貸超過22倍，銀行不能做的，它全部都可以做，它可以透過第三地的錢進到中國，也可以違反土建融的限制，所有銀行不能做的，它統統都能做，你怎麼辦呢？你要知道，到最後如果它倒了、掛掉了，是誰要去承擔這個後果？當然是全民買單啊！為什麼我們一再地、一再地提醒這麼大的問題，你們都沒有考慮到呢？從你的報告裡頭，你把這個爭議的處理顯然也是輕輕地帶過，我覺得這個態度讓我要特別再提醒主委，你一定要小心這個議題，這個議題存在了非常大的社會治安疑慮，也是未來金融管理很大的問題。尤其中租借了公股1,359億前進到中國，高延滯率的問題非常嚴重，未來勢必會影響到我們金融的穩定性，從3個月前到3個月後，我們甚至看到了它的延滯率越來越高，所以你勢必一定要去重視這些問題。"],["彭主任委員金隆：是。"],["賴委員惠員：不知道主委怎麼看待這個事呢？"],["彭主任委員金隆：其實剛才跟委員報告的是，我們對融資公司確實是給予高度的注意，我剛剛也有報告過，雖然現在看起來我們沒有專法，但是我們已經有各種管控措施在管控，當然，假設現在執行成效不如外界的預期，我們會加強處理。我剛才提到，我們也在蒐集各國對融資公司管理的內涵，考慮研議未來是否要以專法管理的可能性。"],["賴委員惠員：主委，我們期待你是用一個專法來管理，而不是用行政的手段，光是行政的手段顯然不足以應付這個怪獸了，所以你必須要去探討。我們也希望你把一些相關性的狀況，網路上一直在流通的東西真的就呈現出來租賃公司禍害這麼多年輕人，還有這麼多需要資金的人，請你把這些狀況快速地瀏覽過，才知道沒有誇張，真的是呈現在我們四周圍，我們的服務處不斷地接到了……本席來自於農業的選區，當我們看到一對老爸爸、老媽媽帶著剛到都會城市念書的兒子，他被租賃公司綁住了，我們真的非常地痛，為什麼？因為他幾乎還沒有出社會，就負擔了很大、很大的負債了，這個不是只有卡債、不是只有學貸的問題而已，他可能一輩子都翻不了身，為什麼你們一直不重視這個問題？你們到底在怕什麼呢？"],["彭主任委員金隆：其實我們很重視，只是方法上面我們會持續思考有什麼更好的方法。"],["賴委員惠員：主委，我們希望你用更好的行政方式、用更好的專法來約束，顯然它已經從公股銀行搬了這麼多錢，這是我們查得到的，還有更多是我們查不到的，我相信你們看了整體的財務報表，會比我們更清楚，這個只是我的助理從網路上搜尋下來的，我相信業界一定有更深的瞭解。","主委，我們對你期待非常高，也有很大的期許，我們希望金管會未來能成為行政團隊最大、最大的亮點。我們不希望一直在喊金融科技，其實金融科技已經喊太久了，某種程度也是監管套利。我們期待主委主政的金管會有更高的亮點、更好的未來，可以帶領臺灣的經濟走向更好的未來，這是我衷心對主委的期許。趕快來拜訪兩位召委。"],["彭主任委員金隆：謝謝賴委員的勉勵，我們一定趕快補上，謝謝。"],["賴委員惠員：謝謝。"],["主席：謝謝。有需要的話，也請賴委員一起參與，我們來做一個輕鬆的早餐會或是喝咖啡也可以，歡迎！","接著請賴委員士葆發言。"]],"agenda":{"page_end":332,"meet_id":"委員會-11-1-20-13","speakers":["羅明才","林德福","吳秉叡","顏寬恒","賴惠員","賴士葆","王鴻薇","郭國文","李彥秀","黃珊珊","伍麗華Saidhai‧Tahovecahe","李坤城","王世堅","楊瓊瓔","黃國昌","葛如鈞","陳玉珍","林楚茵","吳春城","鍾佳濱","謝衣鳯","張嘉郡"],"page_start":263,"meetingDate":["2024-05-22"],"gazette_id":"1134901","agenda_lcidc_ids":["1134901_00008"],"meet_name":"立法院第11屆第1會期財政委員會第13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":"1134901_00005"}},"transcript":{"pyannote":[{"speaker":"SPEAKER_02","start":0.11534375000000001,"end":1.68471875},{"speaker":"SPEAKER_00","start":2.30909375,"end":2.98409375},{"speaker":"SPEAKER_02","start":8.265968750000003,"end":9.075968750000001},{"speaker":"SPEAKER_01","start":8.29971875,"end":9.025343750000001},{"speaker":"SPEAKER_00","start":9.075968750000001,"end":9.09284375},{"speaker":"SPEAKER_01","start":9.09284375,"end":9.970343750000001},{"speaker":"SPEAKER_02","start":10.45971875,"end":11.067218750000002},{"speaker":"SPEAKER_02","start":11.084093750000001,"end":11.10096875},{"speaker":"SPEAKER_01","start":11.134718750000001,"end":11.539718750000002},{"speaker":"SPEAKER_02","start":11.539718750000002,"end":12.923468750000001},{"speaker":"SPEAKER_02","start":13.294718750000001,"end":15.606593750000002},{"speaker":"SPEAKER_02","start":16.14659375,"end":19.53846875},{"speaker":"SPEAKER_02","start":20.21346875,"end":24.887843750000002},{"speaker":"SPEAKER_01","start":24.22971875,"end":24.85409375},{"speaker":"SPEAKER_01","start":24.887843750000002,"end":24.989093750000002},{"speaker":"SPEAKER_02","start":25.39409375,"end":29.27534375},{"speaker":"SPEAKER_01","start":29.511593750000003,"end":32.768468750000004},{"speaker":"SPEAKER_02"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