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義銀是模範啦義銀只有12億他在這個部分的貸款700億"},{"start":153.647,"end":163.953,"text":"7000多億裡面他只有12億當然華銀、彰銀要再加強一下啦這個有100多超過133億、148億華銀、彰銀當然對不動產這個貸款高一兆5000多億那你有133億這個比例也很高最惡劣的就是土地銀行"},{"start":176.226,"end":188.981,"text":"土地兩大可以推說我是專業我就是做土地啊做房地產融資可是他變相的在幫助這些不肖的建商去買地、養地、圈地"},{"start":190.337,"end":214.597,"text":"那所以你認為呢你認為這個該不該銀行去管該不該我們金管會來管你認為中央銀行加注的這條限制是不是在貸款條件銀行受信貸款給建商的時候那貸款合約上面就註明了如果建商違反合約規定"},{"start":215.597,"end":227.906,"text":"這些銀行局要不要管?你認為?報告委員上禮拜委員有關接這問題那我們就有去了解剛剛數字確實像委員提到的在2116億那我們這個部分這是一個"},{"start":235.051,"end":235.792,"text":"會處理要怎麼處理是要求建商"},{"start":251.822,"end":270.936,"text":"應該立即還款立即動工要怎樣他要馬上動工欸動工他要有規劃要有申請建築執照等等我看他們就是拖著耗著嘛他們可能就是憑借跟銀行良好的關係我在"},{"start":272.634,"end":301.388,"text":"三個月前我就列出十大二職建商貸款金額喔他們負債金額這十大都負債金額都70%以上最高的負債金額竟然高達89%天啊他用我們善良百姓辛苦賺的錢存債銀行的錢被他們用那麼低的利息拿去買土地"},{"start":303.099,"end":327.825,"text":"來炒作房地產然後逼使我們國民我們這些消費者們去購買他們高價的房地這是最薄可物的事情欸那要把關的首當其衝你啦!金管會跟財政部財政部也有關九大公營行戶董事長、總經理都他派的"},{"start":330.156,"end":344.724,"text":"關股這些股份都在他手上當然啦我認為你們銀行局的責任是比較大因為銀行局有專業的這個金融專業可以去應該去查查不是嗎"},{"start":346.008,"end":374.207,"text":"那這個責任是不是由金管會由你們銀行局負責那你要再來你要怎麼處置他們處置這些預期的建商收回還是怎麼樣報告委員這個齁我們如果查到有這個情況的時候呢我們會請他做改善改善當然有些比如說可能調整那個貸款的條件還有就是有一些比如說後續真的跟原來目的不符的話那可能是要做一些後續的處理"},{"start":375.908,"end":400.778,"text":"因為我們已經提那個查核已經提改善意見請他們來處理這個事情你多久給我一個答案比方說土銀啊1180億這麼高的金額請他詳細列出來早點工作給他做嘛叫土地銀行說這1180億到底哪幾家啦是不是那些二值的建商"},{"start":402.168,"end":423.067,"text":"有一些建商我上次舉過這十大惡質建商他不只炒作房地產他不只高負債他在工地安全這個我們企業我們政府正在希望推動ESG他完全違反ESG各項對企業"},{"start":425.27,"end":451.239,"text":"他們的要求企業主該負的責任沒有一項做得到公安最多的也是這十大要不然就是不幸讓工人身亡、重傷一堆臺中那一件還搞到臺中的捷運垮掉這些都歷歷在目就是這些會犯這個規的同樣在貸款的時候也是有那麼大的問題"},{"start":452.386,"end":477.584,"text":"他就是先借到再說啦借到阿你們賠最大啦他就是這個意思阿人也鹹鹹阿不然你來拖是這樣子嗎是這樣子嗎還有順便查一查這是不是有人為的勾結啦有人為的勾結因為擺著這個這麼明確你錢就是要借他去購買空地去炒作土地"},{"start":479.809,"end":488.948,"text":"這很清楚的嘛我認為銀行金融業尤其土地銀行他是我們公營行庫裡面非常非常"},{"start":490.663,"end":513.4,"text":"高數值的人員去的航空百分之百關股結果竟然這樣子我高度強烈質疑這個有勾結好不好那另外我先前就講我們推亞太金融中心我們亞太資產管理中心我們希望國外的資金來給我們臺灣管結果我們自己的資金我就舉授權就好"},{"start":515.268,"end":538.732,"text":"三十二兆的資金有百分之七十二十二兆跑去國外投資我們自己的錢跑去給國外管難道我們要說服世界各國說你們的錢要讓我管那奇怪所以這一點矛盾這造成兩個大問題第一個問題我們在國外海外投資買這些債券基金匯率的風險第二個戰爭的風險"},{"start":543.756,"end":566.013,"text":"兩個多月前、三個月前就跟你提到說我們有7家受險總共持有1357億的惡債惡債惡國的債券這些現在風險都來啦從5月開始他們就不給付利息啦問他們要利息他們說戰爭打完了再來算天啊1357億現在"},{"start":569.454,"end":583.165,"text":"光這7家授權公司他們抓預期的損失預期信用時他們已經抓了210億1357億就抓了210億做預期損失這很天...我覺得這個實在是很莫名其妙二屋打仗臺灣中槍二屋戰爭啊我們受傷會很奇怪嗎"},{"start":599.69,"end":619.851,"text":"我們遠在地球的這一頭我們又沒招誰又沒惹誰哪有去賠這麼多錢星光人獸的資本氏族率也因為他也加入這個啊1357億我相信你們去查就知道所以導致他資本氏族率也受到影響啊"},{"start":621.687,"end":635.952,"text":"喔當然希望能說還有其他問題啦這個改天再說但是我認為這個部分要立刻這個趕快立刻積極做也就是說你們應該洽請財政部洽請財政部就針對這些資金我們放眼放眼要他們"},{"start":642.018,"end":652.506,"text":"陸續回到臺灣投到我們臺灣的公共建設他們那些藉口通通不能算他說第一點我們臺灣利率低第二點他說我們臺灣市場小沒得投資"},{"start":653.783,"end":674.581,"text":"利率低這些受險公司也是因為這麼低的利率我承認我們臺灣利率低但是受險公司也是以我們的低利率下去算期望值賣給我們的投保戶不是這樣嗎他也是低利率啊低利率的期望值賣"},{"start":676.052,"end":705.524,"text":"那他憑什麼跑去國外說海外這些利率高我要去多賺一點賺他們賺賠我們所有保險人賠這是非常可惡的事情第二個他說市場不大所以我認為你們要跟台中部好好合作也就是說我們台灣公共建設需要錢我們不只社會住宅不只這些交通建設捷運這些台鐵機場的擴建這些等等"},{"start":706.158,"end":731.275,"text":"我們還有長照啊我們長照更是需要相當金額的投入所以應該就是輔導來交通單位、內政部的各單位還有衛福部關於長照的部分輔導他們來設立債券設立這樣子的債券基金然後讓我們回到臺灣"},{"start":733.676,"end":759.133,"text":"不然我們自己回來買就對了我們各項的公共結算都有很多自償性啊也有利息嘛要買就買臺灣這才有道理投資臺灣自己錢留在臺灣我們自己管理自己的錢這樣我們才能成為說亞太資產管理中心我們才有說服力說服國際上的錢說你的錢來讓我管"},{"start":760.287,"end":770.3,"text":"要不然70%給國外管的時候,我們只能說服誰?說服非洲的小國而已,不是嗎?好,謝謝謝謝委員,謝謝委員提醒接著請楚英委員質詢"}]}},"supported_relations":[],"relations":[]}