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金管會針對P2P沒有實際上面的納管"},{"start":24.136,"end":44.325,"text":"跟其他的國家有納管、有監理、有登記的管制差別非常多在完全沒有管制的情況之下導致了現在P2P成為詐騙集團拿來詐騙的工具那也導致了很多家破人亡的事情"},{"start":45.445,"end":64.071,"text":"上一次上一屆的主委在詢答的時候承認說他們所推的那個自立規範根本沒有法律效力違反了這個自立規範不會有任何法律效果甚至也沒有辦法作為民法上面請求權的基礎"},{"start":65.711,"end":93.2,"text":"那針對這樣一個完全沒有法律效力的自律規範我上一次請教主委主委說會回去想一想現在時間到了你目前的規劃如何是上次委員有提到就是有提到問我說蓄芯科技比如這家公司的案子知不知道我們回去也好好去跟我們局裡面討論然後再來我們也有關注到接下來就很多的他們的帳戶被停掉了"},{"start":94.08,"end":116.87,"text":"這件事情我們有去好好去關注我們有看到剛剛那個個案是因為它在兩個不同的地檢署之間有不同的如果主委不好意思我先打斷一下不好意思就是說個案的部分歸個案的部分我現在在請教您的是您管制的立場是要銷歸朝誰你還是沒有打算要管嗎還是要用自律的方式嗎因為我剛剛已經提示你了"},{"start":117.65,"end":128.42,"text":"對那個自立的規範是毫無法律效果違反了也不會有任何法律效力那對於前面的主委他所採取這樣的政策您還是採取一樣的立場嗎這是我的問題"},{"start":131.679,"end":158.931,"text":"這一部分其實行政院有指定金管會為這個統籌的對P2P的統籌機關所以比如說最近的話我們也是希望積極的輔導他們兩個那個工會能夠成立工會我們等一下再討論我現在問題還是一樣啦之前中央銀行整理出來了其他各個國家P2P他們管制的態度有的要登記有的要執照但不管怎麼樣"},{"start":160.728,"end":183.548,"text":"都會有一定程度的管制但在臺灣我們現在針對P2P是完全沒有在管用一個毫無法律效力的自律規範到底要做什麼所以我才說您作為新任的主委我上次第一次在質詢您的時候請教您你需要時間位給你時間你現在的立場有改變嗎?你還是打算要放任P2P?就這樣下去嗎?"},{"start":186.087,"end":187.608,"text":"你現在打算分幾個階段?"},{"start":196.901,"end":219.481,"text":"現在比如說現在是用自律規範還有透過銀行之間的這樣的往來的方式不是啊我們就打開天窗說亮話嘛就違反了自律規範會有什麼法律效果就沒有啊當然自律規範不是我們的行政處分也不是這樣確實是這樣對啊那現在大家都在關心這件事情啊還要等到下一次有更多人受害的時候金管會才要痛定思痛嗎"},{"start":221.144,"end":247.238,"text":"對,所以這部分的話我們也在思考一下,就剛才委員有你會需要思考多久?呃,我們就是還要還要因為因為這畢竟是過去在金管會在整個在做管理的時候確實我們在過去對對機構管理跟行為管理在這兩塊方面我們必須要先釐清這部分呢當然我們現在是可能會優先管理是行為管理就是未來像比如說消費者保護的部分我們會先你要做行為管理也沒有問題啊"},{"start":247.938,"end":267.094,"text":"他問題是你行為管理的作用規範在哪裡就絕對不是這個自律規範嘛他沒有法律效力嘛這個我們已經有共識了嘛你訂的這個自律規範根本沒有法律效力然後剛剛你所講的P2P業者的商業同位公會從去年就說要設喔設到今年成立了嗎"},{"start":268.094,"end":285.927,"text":"現在的話就是因為內政部他們有兩組人馬在那邊沒辦法協調出來,那我們也積極的希望內政部...主委我跟你交換一個意見喔當P2P出現了這麼大的問題,這麼多人受害,所有的人在問政府的態度是什麼?"},{"start":287.335,"end":312.29,"text":"我們的政府是沒有態度只有一個沒有法律效力的自律規範推說要給業者去自律要成立同業工會結果這句話講了一年多到現在同業工會還沒有成立確實我們是很積極的在推動這件事情不過這個有它一定內政部的程序在處理這件事情我們也前一陣子還在協調這件事情"},{"start":313.038,"end":327.823,"text":"所以我這樣講好了啦我覺得站在監督的立場善盡我們的原則該說的都說了該做的都做了那監管會如果繼續採取這樣子立場的話我覺得非常的危險"},{"start":329.023,"end":348.763,"text":"非常非常的危險下一次炸彈什麼時候炸多少人受害最重要的是不僅僅是誰要負責被害人怎麼辦我希望諸位您再回去好好想一想這樣下去對嗎這樣算是一個負責任的金管會嗎"},{"start":350.186,"end":369.163,"text":"這部分我們會委員的指示確實我們一直都非常放在心上但是我們就想說我切入第二個主題上次我有請教你說針對我們現在整個房價飆漲跟背後市場的資金有密切的關係"},{"start":370.504,"end":386.116,"text":"之前央行就警告不動產貸款佔比35.8%已經太高了這是在2020年的時候央行的報告所提出來的他說這樣子會導致房價偷脫住來非常的危險必須有"},{"start":387.637,"end":404.099,"text":"必須要處理這是2020年央行所提出來的警告上次我們在詢答的時候你也認同嘛銀行的資金不可以拿來炒房因為35%點多央行在2020年說已經比例太高了嘛"},{"start":405.32,"end":417.589,"text":"結果現在不動場販款的比例到今年5月已經到37.13了比央函說太高還要高它實際上面所造成的效果"},{"start":420.831,"end":443.242,"text":"六都的房價大幅上揚Base Line是2016年這個是我取得的Data我自己計算出來的應該是不會有錯那現實上面我上次請教你這個問題認為說銀行法72條之二的後門要怎麼處理那你也跟我說針對這一件事情你們會去跟央行來做一個開會做一個協調這個開會跟協調的會發生了嗎?"},{"start":449.712,"end":478.912,"text":"就在委員詢問的第二天我就親自去這個這個這個拜訪總裁我們對這個問題呢就做了深入的討論有什麼結論那總裁跟我的討論就是說因為央行的職責是在做穩定金融他希望我們就是說希望我們針對72之2條的後面的段數部分能夠做做一些更明確的界定或一些檢討或是一些提議央行總裁做了這樣的建議金管會接下來做了什麼"},{"start":479.412,"end":501.921,"text":"我們接下來回來就請銀行局呢就檢視一下72條之二的部分大家對這個部分因為前面的部分我們是有30%的限制那後面一些但書比如說包括一些廠房啦包括一些比如說我上次就有跟您講過嘛就是因為你們後門開的太大了所以搞到本來法定是30嘛現在已經到37.13了嘛30喔現在到37.13了"},{"start":508.044,"end":528.799,"text":"那金管會所需要時間去檢討這個後門要不要做更明確的界定這個是央行總裁給的建議嘛主席站起來了我必須要尊重主席你們還需要多少時間可以把這個檢討做出來我們現在正在正在檢討中那其實需要多久問一下局長這邊"},{"start":530.626,"end":553.592,"text":"他會在一個月一個月之內把你們最後檢討的結果怎麼評估的最後結論是什麼72條之二透過行政命令所開的後門所開的後門要不要重新的去做處理這件事情一個月之內提書面報告給所有的委員可以嗎可以沒問題好謝謝謝謝委員謝謝"},{"start":562.372,"end":564.266,"text":"接著請林柱英林委員"}]}},"supported_relations":[],"relations":[]}