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底法律就是就到今年的年底那上次確實應該就在這個場地吧應該就是大家都已經同意了那我們也是期待本來是說排到當週的星期五就是上個禮拜五吧"},{"start":87.151,"end":116.59,"text":"因為我們也期待他過但是呢我們所有事情我們還是要做萬全的準備所以我們也在開始盤點說萬一立法遲延的時候我們該如何因應我們已經請我們的周邊單位相關的那該怎麼因應呢那看起來是會這個禮拜我是沒辦法過啦我們把各種的狀況我們還是期待我先把最壞的狀況跟你講啦對對對我還是期待他過但是我們我跟你講這禮拜我不會過了啦那我們就備案的話我們就會來來啟動我們已經開始在做這件事情了"},{"start":117.03,"end":129.481,"text":"有哪些備案?第一個,一定系統要改。系統要改,我們的交易的相關單位就必須改變就要花一些人力趕快來做這件事。時間夠嗎?我們有盤點過,他們會盡量來配合。"},{"start":133.724,"end":149.837,"text":"對那時間要多長的時間呢?這個看每家公司我們有請他們開始在做我想距離現在還有一點點時間我就跟你講不會過了啦國民黨不會讓你過啦可是我說假設現在到年底還有一點點時間我覺得我們一定會如果真的這樣的話我們一定會一定要完成對"},{"start":151.198,"end":165.294,"text":"那對啊你說第一個修改程式還有就是說中間還有一些那個待增的作業因為我們現在是待增嘛就等於說由我們的金融業者代替國家來徵收那這部分呢可能未來未來修法"},{"start":166.395,"end":180.656,"text":"會怎麼修布照到底是比如說接下來就沒有了還是說還是追溯到那一天就是說他有各種狀況他要去開始去模擬各種作業的方式那未來可能就是還要主要是人力啦就是人力加班這些的支出啦"},{"start":181.417,"end":203.682,"text":"所以你們現在就開始營業嗎?因為今天明天20號了嘛,大概只剩下10天左右我們已經開始在...開始...我就跟你講要做最壞的打算跟準備因為明天國民黨還是把這個選罷法跟限數法又列在討論的這一個...我也希望能過但是從上個禮拜到明天,我看他們的優先法案"},{"start":203.902,"end":208.404,"text":"有關金融監督管理委員會主管中央政府總預算案附屬單位預算案附屬單位預算案附屬單位預算案附屬單位預算案"},{"start":229.076,"end":236.8,"text":"好再請教一下那本來齁我記得我在3月份的時候有問說這個金管會就是說今年要去這個中國去做這個金檢嘛對然後後來好像這個"},{"start":240.666,"end":247.588,"text":"有關金融監督管理委員會主管中央存款保險股份有關金融監督管理委員會主管中央存款保險股份有關金融監督管理委員會主管中央存款保險股份"},{"start":271.054,"end":281.739,"text":"我們在那邊的金融機構的經營狀況只是說我們沒辦法派員去但是很多的資料我們還是可以請他給我們看那所以如果今年沒辦法過去"},{"start":282.441,"end":309.773,"text":"那明年咧?我看你們還是有編預算明年要過去啊?他其實沒有說不可以只是說現在時機不宜我們還是會按照因為時機不宜就是說你就是不要你就讓你過去啊但是時機不宜的理由到底是什麼啊?當然我們就就因為四月份欸對就是我們現在因為彼此因為我們都有互設金融機構我們有簽那個金融合作的MOU本來就是我們就可以提出要去檢查的那個需求"},{"start":310.333,"end":314.969,"text":"連今年沒去了,四年沒去了還是可以請我們檢察局局長跟你簡單回覆一下"},{"start":317.88,"end":332.094,"text":"我們今年本來是要去三個分行但是因為大陸方面是建議暫緩辦理所以我們本來要去上海跟深圳就是兩家銀行各三家分行那因為剛好這兩家銀行我們在今年也有辦理中信跟義銀"},{"start":340.842,"end":365.47,"text":"那剛好我們今年度也有對這兩家的總行有辦理一般業務檢查跟專案檢查所以我們就以調閱的方式來調閱這兩家銀行在大陸地區分行的相關資料來實施我們的金融檢查那至於預算執行的部分呢因為港澳是同一個預算科目所以呢今年大陸方面建議我們不要去我們就把相關的預算用在對香港的三家分行來實施精檢"},{"start":366.05,"end":387.562,"text":"明年還是會去問一下那個中國明年度還是一樣有編列預算我們是打算到兩家香港兩家那我們還是會尋這個正常程序來跟陸方溝通好那我問一下那現在這一個我們的這個在中國銀行齁暴險的這個金額大概是多少現在大概應該是八千多億八千多億對"},{"start":389.348,"end":403.436,"text":"已經是歷史的低點就是說你們包含這個銀行、證券、保險其他兩個行業的部險那個金額都相對小總共加起來大概一兆出頭"},{"start":404.823,"end":429.956,"text":"我看一下那個資料,就是說大概暴險金額,你剛才說8000多億是不是?將到8000多億?8700億左右那你有詳細的資料,你再給我沒有問題,這個我們有定期公布這些資訊因為現在齁,這個中國不管是這個房地產或是其他的行業齁,這個風險都很高啦那所以我就是說,看一下就是說我們這個銀行業在那邊的這個暴險,暴險的金額是不是有降低啊?"},{"start":430.216,"end":449.555,"text":"其實我們對海外不只是我們都有都有相關的警示跟揭露機制在處理中那相關這些有歷年的資料再請我們同仁再提供給委員參考好那再問一下這一個主委是這個有關這個融資公司管理是那這個你們現在是請銀行工會來來處理嗎不是"},{"start":453.709,"end":457.894,"text":"有關金融監督管理委員會主管中央存款保險股份有"},{"start":473.691,"end":496.779,"text":"對這個融資的這個租賃業有一個那個受信的這個實務的一個一個公告啦對那公告有實施了嗎有啊就是針對那個BMPL跟那個車貸的部分嘛是哪時候實施的上半年那個公佈了之後就立刻實施因為我記得你們那時候是說年底啊怎麼會是上半年呢"},{"start":498.164,"end":506.847,"text":"年底的部分應該是沒有沒有年底的部分應該是我們現在正在做你們有一個什麼授信實務守則有這個東西嗎這個是有這個是針對那個集中度簽署"},{"start":519.757,"end":545.015,"text":"這個是針對那個BMPL還有再來就是中古車的車貸的一些相關的事務的授信的規定對那這也公告實施了嗎對這邊已經公告了是哪時候公告的這個是因為他工會經過我們洽息了之後他應該就可以執行了在哪時候"},{"start":547.174,"end":547.978,"text":"11月的時候11月的時候對"},{"start":552.412,"end":572.925,"text":"將資本額達一定規模以上的上市貴融資註定公司納入金融消費者保護法的適用範圍這個你們是要用行政命令公告的方式來實施嗎?根據我們金融消費者保護法第3條的規定也已經公告了嗎?還沒還沒我剛才講還要尋求社會共識我記得好像11月的時候有問"},{"start":577.968,"end":604.094,"text":"對就是因為現在我覺得當然是希望這些被我們第一波納管的能夠也能夠了解我們整個的所有的內容所以我們還是希望趕快溝通完畢以後我們就公告公告以後兩個月生效以後我們準備兩個月大概能夠在希望能夠在半年五個月之內能夠再上路我記得上次問你們說你們說年底希望能夠納入這個啊信用消費者保護法適用範圍啊是沒錯因為"},{"start":605.394,"end":628.173,"text":"當時我們的預計是說我們希望在年底就能夠公告但是因為他們對我們很多做法還有疑慮還要透過一些希望我們再溝通能夠上次也有參加那個委員會的一個就是我們立法院的一個公聽會希望說我們再開兩次會跟他們溝通完畢我們再來上路我們覺得溝通很重要持續現在主力最大是什麼"},{"start":629.335,"end":650.295,"text":"我想他大概想的第一個可能對比如說未來我們的平益制度、成本還有就是平益的項目還有就是我們納管的強度這些東西因為他們畢竟是第一次所以我們會請我們的法務處還有平益這邊多跟他們溝通所以這個要納入這個金融消費者保護法大概哪時候才會納進去"},{"start":651.636,"end":679.076,"text":"我想說如果說比如說假設我們呃最近能夠盡快的然後召開一些會議溝通完畢大家有共識了我們立刻就按照我剛剛的進程就是法規就公告公告60天後就生效生效完畢以後呢就準備兩個兩個月到三個月我們就開始可以那所以那所以這樣推算的話最快也要半年的時間那已經很快了那已經很快了嗎那是必要的法定程序"},{"start":680.097,"end":685.38,"text":"所以最快半年之內可以拿進去就對了對我們希望我們希望好加油啊謝謝謝謝謝謝委員的好謝謝李坤城委員李坤城委員不用擔心啦禮拜五只要民進黨循規到底做在"}],"gazette":[{"speaker":"李委員坤城","start":"2024-12-19T10:11:32.569000+08:00","guessed":false,"end":"2024-12-19T10:11:34.090000+08:00","text":"謝謝主席，請彭主委。","quality":1},{"speaker":"主席","start":"2024-12-19T10:11:34.590000+08:00","guessed":false,"end":"2024-12-19T10:11:34.851000+08:00","text":"請彭主委。","quality":1},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:11:37.493000+08:00","guessed":false,"end":"2024-12-19T10:11:38.113000+08:00","text":"委員早。","quality":0.667},{"speaker":"李委員坤城","start":"2024-12-19T10:11:38.113000+08:00","guessed":false,"end":"2024-12-19T10:11:38.294000+08:00","text":"主委好。","quality":1},{"speaker":"李委員坤城","start":"2024-12-19T10:11:40.435000+08:00","guessed":false,"end":"2024-12-19T10:11:58.971000+08:00","text":"當沖降稅再延三年，本來預計是從年底延到2027年嘛，其實朝野都有共識了，本來在上個禮拜五如果順利三讀通過的話，哇，我相信大家都一定很開心，因為這個是好的政策，不分朝野都在支持啊！","quality":0.935},{"speaker":"李委員坤城","start":"2024-12-19T10:11:59.712000+08:00","guessed":false,"end":"2024-12-19T10:12:17.045000+08:00","text":"但是上個禮拜五因為國民黨把選罷法排為優先法案，因為這個是有爭議性的，我們希望是不是能將沒有爭議性的當沖降稅案排進去，但國民黨不同意，所以上個禮拜就沒有通過了。","quality":0.824},{"speaker":"李委員坤城","start":"2024-12-19T10:12:18.606000+08:00","guessed":false,"end":"2024-12-19T10:12:38.968000+08:00","text":"這個禮拜五看起來通過的機會也不大，雖然我們一樣是把當沖降稅列為優先法案，但是國民黨一樣是把選罷法及憲訴法列為優先討論的法案裡面，我請教主委，如果這個禮拜五一樣，當沖降稅再延三年的規定沒辦法通過的話，會有什麼影響？","quality":0.899},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:12:39.857000+08:00","guessed":false,"end":"2024-12-19T10:12:52.547000+08:00","text":"我想這個部分，我們當然是期待這個會期能通過，因為這個只到今年的年底嘛，法律期限就到今年的年底，上次確實，應該就在這個場地吧，大家都已經同意了啦……對！","quality":0.879},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:12:53.448000+08:00","guessed":false,"end":"2024-12-19T10:12:56.590000+08:00","text":"我們也是期待，本來是說排到當週的星期五來通過……","quality":0.857},{"speaker":"李委員坤城","start":"2024-12-19T10:12:56.690000+08:00","guessed":false,"end":"2024-12-19T10:12:57.310000+08:00","text":"就是上個禮拜五啊！","quality":0.875},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:12:58.972000+08:00","guessed":false,"end":"2024-12-19T10:13:10.559000+08:00","text":"我們也期待它過，但是所有的事情我們還是要做萬全的準備，所以我們也開始去盤點萬一立法遲延的時候，我們該如何因應，我們已經請相關的周邊單位開始……","quality":0.892},{"speaker":"李委員坤城","start":"2024-12-19T10:13:11.460000+08:00","guessed":false,"end":"2024-12-19T10:13:12.300000+08:00","text":"那要怎麼因應呢？","quality":0.857},{"speaker":"李委員坤城","start":"2024-12-19T10:13:12.660000+08:00","guessed":false,"end":"2024-12-19T10:13:14.962000+08:00","text":"看起來這個禮拜五是沒辦法過了啊！","quality":0.8},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:13:15.582000+08:00","guessed":false,"end":"2024-12-19T10:13:17.483000+08:00","text":"我們把各種的狀況，我們還是期待它能夠……","quality":0.824},{"speaker":"李委員坤城","start":"2024-12-19T10:13:17.564000+08:00","guessed":false,"end":"2024-12-19T10:13:18.884000+08:00","text":"我先把最壞的狀況跟你講啦！","quality":1},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:13:19.865000+08:00","guessed":false,"end":"2024-12-19T10:13:21.586000+08:00","text":"對、對、對，我還是期待它能過，但是我們……","quality":0.867},{"speaker":"李委員坤城","start":"2024-12-19T10:13:21.586000+08:00","guessed":false,"end":"2024-12-19T10:13:23.087000+08:00","text":"我跟你講，這禮拜五不會過了啦！","quality":0.923},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:13:23.627000+08:00","guessed":false,"end":"2024-12-19T10:13:27.570000+08:00","text":"那我們的備案就會來啟動，我們已經開始在做這件事情了。","quality":0.958},{"speaker":"李委員坤城","start":"2024-12-19T10:13:28.030000+08:00","guessed":false,"end":"2024-12-19T10:13:28.571000+08:00","text":"有哪些備案呢？","quality":0.833},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:13:29.111000+08:00","guessed":false,"end":"2024-12-19T10:13:40.060000+08:00","text":"比如說第一個，系統要改，我們的交易相關單位就必須要花一些人力趕快來做這件事情。","quality":0.889},{"speaker":"李委員坤城","start":"2024-12-19T10:13:40.120000+08:00","guessed":false,"end":"2024-12-19T10:13:40.120000+08:00","text":"時間夠嗎？","quality":1},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:13:40.120000+08:00","guessed":false,"end":"2024-12-19T10:13:40.461000+08:00","text":"我們有盤點過，他們會儘量來配合。","quality":0.929},{"speaker":"李委員坤城","start":"2024-12-19T10:13:45.124000+08:00","guessed":false,"end":"2024-12-19T10:13:46.005000+08:00","text":"這需要多長的時間呢？","quality":0.778},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:13:46.806000+08:00","guessed":false,"end":"2024-12-19T10:13:51.590000+08:00","text":"這要看每家公司的狀況，我們有請他們開始在作業，我想距離現在還有一點點時間……","quality":0.824},{"speaker":"李委員坤城","start":"2024-12-19T10:13:51.590000+08:00","guessed":false,"end":"2024-12-19T10:13:54.092000+08:00","text":"我就跟你講不會過了啦，國民黨不會讓你過啦！","quality":1},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:13:54.272000+08:00","guessed":false,"end":"2024-12-19T10:14:00.817000+08:00","text":"不是，我是說現在到年底還有一點點時間啦，如果真的這樣的話，我們一定也要完成啦。","quality":0.857},{"speaker":"李委員坤城","start":"2024-12-19T10:14:02.538000+08:00","guessed":false,"end":"2024-12-19T10:14:04.521000+08:00","text":"對啊，你說第一個是修改程式，還有呢？","quality":0.867},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:14:04.621000+08:00","guessed":false,"end":"2024-12-19T10:14:31.636000+08:00","text":"還有就是中間還有一些代徵的作業，因為我們現在是代徵嘛，等於是由我們的金融業者代替國家來徵收，這個部分在未來修法會怎麼修還不知道，是接下來就沒有了，還是說要追溯到那一天，就是說有各種狀況要開始去模擬各種作業的方式，未來可能就是還要……主要是人力啦，就是人力加班的這些支出啦。","quality":0.88},{"speaker":"李委員坤城","start":"2024-12-19T10:14:32.417000+08:00","guessed":false,"end":"2024-12-19T10:14:36.858000+08:00","text":"所以你們現在就要開始因應嘛，因為明天就20號了嘛，大概只剩下10天左右……","quality":0.828},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:14:37.218000+08:00","guessed":false,"end":"2024-12-19T10:14:37.818000+08:00","text":"我們已經開始在……","quality":1},{"speaker":"李委員坤城","start":"2024-12-19T10:14:38.758000+08:00","guessed":false,"end":"2024-12-19T10:14:38.758000+08:00","text":"有開始？","quality":0.667},{"speaker":"李委員坤城","start":"2024-12-19T10:14:39.479000+08:00","guessed":false,"end":"2024-12-19T10:14:40.379000+08:00","text":"我就跟你講要做……","quality":0.714},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:14:40.379000+08:00","guessed":true,"end":"2024-12-19T10:14:41.379000+08:00","text":"這一定要處理，一定要處理。","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:14:40.379000+08:00","guessed":false,"end":"2024-12-19T10:14:43.439000+08:00","text":"要做最壞的打算跟準備……","quality":1},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:14:43.439000+08:00","guessed":true,"end":"2024-12-19T10:14:44.439000+08:00","text":"當然，我們所有的工作……","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:14:43.439000+08:00","guessed":false,"end":"2024-12-19T10:14:49.861000+08:00","text":"因為明天國民黨還是把選罷法跟憲訴法列在討論的這個……","quality":0.917},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:14:49.861000+08:00","guessed":true,"end":"2024-12-19T10:14:50.861000+08:00","text":"委員，我還是期待能通過。","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:14:49.861000+08:00","guessed":false,"end":"2024-12-19T10:14:54.902000+08:00","text":"我也希望能過，但是從上禮拜到明天，我看他們的優先法案就不是你們這個民生法案嘛，就不是你們這個當沖降稅延長三年，沒有！","quality":0.472},{"speaker":"李委員坤城","start":"2024-12-19T10:14:54.902000+08:00","guessed":true,"end":"2024-12-19T10:14:58.555429+08:00","text":"那都排到後面去，你們的法案是被當作肉票，知不知道？","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:14:58.555429+08:00","guessed":true,"end":"2024-12-19T10:15:02.208857+08:00","text":"當作肉票……","quality":0},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:15:02.208857+08:00","guessed":true,"end":"2024-12-19T10:15:05.862286+08:00","text":"我們隨時充滿希望啦！對啊！","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:15:05.862286+08:00","guessed":true,"end":"2024-12-19T10:15:09.515714+08:00","text":"你是要充滿希望，但是……","quality":0},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:15:09.515714+08:00","guessed":true,"end":"2024-12-19T10:15:13.169143+08:00","text":"但是我們還是會預做萬全的準備。","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:15:13.169143+08:00","guessed":true,"end":"2024-12-19T10:15:16.822571+08:00","text":"但是我要跟你講最壞的情況，你要朝著這個最壞情況的方向去做準備。","quality":0},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:15:16.822571+08:00","guessed":true,"end":"2024-12-19T10:15:20.476000+08:00","text":"是，我們確實要，謝謝委員提醒。","quality":0.167},{"speaker":"李委員坤城","start":"2024-12-19T10:15:20.476000+08:00","guessed":false,"end":"2024-12-19T10:15:27.520000+08:00","text":"再請教一下，我記得在3月份的時候我有詢問過金管會，今年要去中國做金檢嘛……對。","quality":0.909},{"speaker":"李委員坤城","start":"2024-12-19T10:15:27.520000+08:00","guessed":true,"end":"2024-12-19T10:15:30.659455+08:00","text":"後來好像對岸說時機不妥，所以你們就沒有過去了？","quality":0.19},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:15:30.659455+08:00","guessed":true,"end":"2024-12-19T10:15:33.798909+08:00","text":"當然，我們就去香港……","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:15:33.798909+08:00","guessed":true,"end":"2024-12-19T10:15:36.938364+08:00","text":"它是哪時候回復你們的？","quality":0},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:15:36.938364+08:00","guessed":true,"end":"2024-12-19T10:15:40.077818+08:00","text":"大概4月的時候。4月？","quality":0},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:15:40.077818+08:00","guessed":true,"end":"2024-12-19T10:15:43.217273+08:00","text":"對，後來我們就去香港檢查，應該也就順利完成。","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:15:43.217273+08:00","guessed":true,"end":"2024-12-19T10:15:46.356727+08:00","text":"去香港？","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:15:46.356727+08:00","guessed":true,"end":"2024-12-19T10:15:49.496182+08:00","text":"去香港可以嗎？","quality":0},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:15:49.496182+08:00","guessed":true,"end":"2024-12-19T10:15:52.635636+08:00","text":"香港可以。","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:15:52.635636+08:00","guessed":true,"end":"2024-12-19T10:15:55.775091+08:00","text":"那中國呢？","quality":0},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:15:55.775091+08:00","guessed":true,"end":"2024-12-19T10:15:58.914545+08:00","text":"中國就是被推遲嘛，我們就用其他的替代方式檢查。","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:15:58.914545+08:00","guessed":true,"end":"2024-12-19T10:16:02.054000+08:00","text":"這樣也可以嗎？","quality":0.167},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:16:02.054000+08:00","guessed":false,"end":"2024-12-19T10:16:08.537000+08:00","text":"我們就以替代的方式檢查，當然，我們還是要去了解我們在那邊的金融機構的經營狀況，只是說我們沒辦法派員去，但是很多的資料我們還是可以請他給我們看。","quality":0.682},{"speaker":"李委員坤城","start":"2024-12-19T10:16:11.638000+08:00","guessed":false,"end":"2024-12-19T10:16:13.821000+08:00","text":"如果今年沒辦法過去，那明年呢？","quality":0.923},{"speaker":"李委員坤城","start":"2024-12-19T10:16:14.602000+08:00","guessed":false,"end":"2024-12-19T10:16:16.402000+08:00","text":"我看你們還是有編預算，明年要過去嗎？","quality":0.938},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:16:17.443000+08:00","guessed":false,"end":"2024-12-19T10:16:20.764000+08:00","text":"它其實沒有說不可以，只是說現在時機不宜，我們還是會按照……","quality":0.96},{"speaker":"李委員坤城","start":"2024-12-19T10:16:21.805000+08:00","guessed":false,"end":"2024-12-19T10:16:25.246000+08:00","text":"時機不宜就是不要讓你過去啊！","quality":1},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:16:25.246000+08:00","guessed":true,"end":"2024-12-19T10:16:26.246000+08:00","text":"因為我們彼此有……","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:16:25.946000+08:00","guessed":false,"end":"2024-12-19T10:16:27.447000+08:00","text":"但是時機不宜的理由到底是什麼啊？","quality":1},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:16:28.227000+08:00","guessed":false,"end":"2024-12-19T10:16:28.768000+08:00","text":"當然我們就……","quality":1},{"speaker":"李委員坤城","start":"2024-12-19T10:16:29.568000+08:00","guessed":false,"end":"2024-12-19T10:16:30.268000+08:00","text":"因為4月份耶！","quality":0.8},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:16:33.089000+08:00","guessed":false,"end":"2024-12-19T10:16:40.753000+08:00","text":"因為我們彼此都有互設金融機構，我們有簽金融合作的MOU，本來我們就可以提出要去檢查的需求，所以……","quality":0.909},{"speaker":"李委員坤城","start":"2024-12-19T10:16:41.333000+08:00","guessed":false,"end":"2024-12-19T10:16:43.701000+08:00","text":"對啊，已經4年沒去了，連今年沒去就4年沒去了！","quality":0.5},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:16:44.022000+08:00","guessed":false,"end":"2024-12-19T10:16:45.949000+08:00","text":"還是請我們檢查局局長跟您簡單回復一下？好。","quality":0.789},{"speaker":"童局長政彰","start":"2024-12-19T10:16:48.880000+08:00","guessed":false,"end":"2024-12-19T10:16:57.208000+08:00","text":"報告委員，我們今年本來是要去三個分行，但是因為大陸方面是建議暫緩辦理，所以我們……","quality":0.889},{"speaker":"李委員坤城","start":"2024-12-19T10:16:57.208000+08:00","guessed":false,"end":"2024-12-19T10:16:57.488000+08:00","text":"本來要去哪裡？","quality":0.667},{"speaker":"童局長政彰","start":"2024-12-19T10:16:57.709000+08:00","guessed":false,"end":"2024-12-19T10:17:02.894000+08:00","text":"我們本來要去上海跟深圳，就是兩家銀行的各三家分行，因為剛好這兩家銀行我們在今年也有辦理……","quality":0.829},{"speaker":"李委員坤城","start":"2024-12-19T10:17:02.894000+08:00","guessed":true,"end":"2024-12-19T10:17:03.894000+08:00","text":"哪兩家？","quality":0},{"speaker":"童局長政彰","start":"2024-12-19T10:17:02.994000+08:00","guessed":false,"end":"2024-12-19T10:17:24.346000+08:00","text":"就是中信跟一銀，剛好我們今年度也有對這兩家總行辦理一般業務檢查跟專案檢查，所以我們就以調閱的方式調閱了這兩家銀行在大陸地區分行的相關資料，以此來實施我們的金融檢查。","quality":0.923},{"speaker":"童局長政彰","start":"2024-12-19T10:17:25.006000+08:00","guessed":false,"end":"2024-12-19T10:17:36.470000+08:00","text":"至於預算執行的部分，因為港澳是同一個預算科目，所以今年大陸方面建議我們不要去，我們就把相關的預算用在對香港的三家分行來實施金檢。","quality":0.983},{"speaker":"李委員坤城","start":"2024-12-19T10:17:37.050000+08:00","guessed":false,"end":"2024-12-19T10:17:39.972000+08:00","text":"所以明年還是會去問一下中國？","quality":0.846},{"speaker":"童局長政彰","start":"2024-12-19T10:17:39.972000+08:00","guessed":false,"end":"2024-12-19T10:17:47.876000+08:00","text":"對，我們明年度還是一樣有編列預算，我們是打算到大陸兩家、香港兩家，我們還是會循正常程序來跟陸方溝通。","quality":0.867},{"speaker":"李委員坤城","start":"2024-12-19T10:17:48.276000+08:00","guessed":false,"end":"2024-12-19T10:17:54.820000+08:00","text":"好，那我問一下，現在我們在中國的銀行，暴險的金額大概是多少？","quality":0.962},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:17:55.100000+08:00","guessed":false,"end":"2024-12-19T10:17:58.282000+08:00","text":"現在大概是八千多億。","quality":1},{"speaker":"李委員坤城","start":"2024-12-19T10:17:58.282000+08:00","guessed":false,"end":"2024-12-19T10:17:58.562000+08:00","text":"八千多億？","quality":1},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:17:58.562000+08:00","guessed":false,"end":"2024-12-19T10:18:03.370000+08:00","text":"對，已經是歷史的低點。","quality":1},{"speaker":"李委員坤城","start":"2024-12-19T10:18:03.370000+08:00","guessed":false,"end":"2024-12-19T10:18:09.573000+08:00","text":"就是說，包含銀行、證券、保險……","quality":1},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:18:09.573000+08:00","guessed":false,"end":"2024-12-19T10:18:14.436000+08:00","text":"其他兩個行業的暴險，那個金額都相對小，總共加起來大概1兆出頭。","quality":0.963},{"speaker":"李委員坤城","start":"2024-12-19T10:18:15.823000+08:00","guessed":false,"end":"2024-12-19T10:18:20.165000+08:00","text":"我看了一下相關的資料，暴險的金額，你剛剛說八千多億，是不是？對。","quality":0.667},{"speaker":"李委員坤城","start":"2024-12-19T10:18:21.026000+08:00","guessed":false,"end":"2024-12-19T10:18:22.607000+08:00","text":"降到八千多億？","quality":0.5},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:18:22.607000+08:00","guessed":false,"end":"2024-12-19T10:18:22.827000+08:00","text":"8,700億左右。","quality":0.75},{"speaker":"李委員坤城","start":"2024-12-19T10:18:23.727000+08:00","guessed":false,"end":"2024-12-19T10:18:25.068000+08:00","text":"如果你有詳細的資料再提供給我，因為……","quality":0.625},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:18:25.208000+08:00","guessed":false,"end":"2024-12-19T10:18:28.810000+08:00","text":"沒問題，我們有定期公布這些資訊，我們再把它……","quality":0.737},{"speaker":"李委員坤城","start":"2024-12-19T10:18:28.810000+08:00","guessed":true,"end":"2024-12-19T10:18:29.810000+08:00","text":"有定期公布就對了。","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:18:28.810000+08:00","guessed":false,"end":"2024-12-19T10:18:40.756000+08:00","text":"因為現在中國不管是房地產或是其他行業的風險都很高啦，所以我就是想看一下我們銀行業在那邊的暴險金額是不是有降低啦！","quality":0.944},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:18:41.216000+08:00","guessed":false,"end":"2024-12-19T10:18:52.848000+08:00","text":"其實我們對海外不只都有相關的警示跟揭露機制在處理中，相關的這些，比如歷年的資料，我再請我們同仁提供給委員參考。","quality":0.922},{"speaker":"李委員坤城","start":"2024-12-19T10:18:53.188000+08:00","guessed":false,"end":"2024-12-19T10:19:00.455000+08:00","text":"好，那再問一下主委有關融資公司的管理，你們現在是請銀行公會來處理嗎？","quality":0.935},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:19:00.455000+08:00","guessed":true,"end":"2024-12-19T10:19:25.271000+08:00","text":"不是，喔，融資公司的貸放部分是請那個，因為是銀行借錢給他們嘛，我們從貸後管理的角度來要求銀行跟融資公司互動。","quality":0.143},{"speaker":"李委員坤城","start":"2024-12-19T10:19:25.271000+08:00","guessed":false,"end":"2024-12-19T10:19:33.554000+08:00","text":"不是，我的意思是說，那時候我也有問過啦，就是你們現在先請銀行公會對融資租賃業有一個授信實務的公告啦，那個公告有實施了嗎？","quality":0.4},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:19:33.554000+08:00","guessed":false,"end":"2024-12-19T10:19:37.355000+08:00","text":"有啊，就是針對那個BNPL跟車貸的部分。","quality":0.944},{"speaker":"李委員坤城","start":"2024-12-19T10:19:38.016000+08:00","guessed":false,"end":"2024-12-19T10:19:38.716000+08:00","text":"是哪時候實施的？","quality":1},{"speaker":"莊局長琇媛","start":"2024-12-19T10:19:41.097000+08:00","guessed":false,"end":"2024-12-19T10:19:43.718000+08:00","text":"上半年公布了之後就立刻實施。","quality":0.923},{"speaker":"李委員坤城","start":"2024-12-19T10:19:45.118000+08:00","guessed":false,"end":"2024-12-19T10:19:47.759000+08:00","text":"沒有，我記得你們那時候是說年底啊，怎麼會是上半年呢？","quality":0.913},{"speaker":"莊局長琇媛","start":"2024-12-19T10:19:49.164000+08:00","guessed":false,"end":"2024-12-19T10:19:54.546000+08:00","text":"年底的部分，沒有、沒有，年底的部分應該是我們現在正在做……","quality":1},{"speaker":"李委員坤城","start":"2024-12-19T10:19:54.986000+08:00","guessed":false,"end":"2024-12-19T10:19:57.387000+08:00","text":"你們有一個什麼授信實務守則啊，有這個東西嗎？","quality":0.95},{"speaker":"莊局長琇媛","start":"2024-12-19T10:19:57.527000+08:00","guessed":false,"end":"2024-12-19T10:20:19.483000+08:00","text":"有，這個是針對那個BNPL，再來就是中古車的車貸的一些相關實務授信的規定。","quality":0.941},{"speaker":"李委員坤城","start":"2024-12-19T10:20:20.263000+08:00","guessed":false,"end":"2024-12-19T10:20:22.325000+08:00","text":"對，這也公告實施了嗎？","quality":1},{"speaker":"莊局長琇媛","start":"2024-12-19T10:20:22.325000+08:00","guessed":false,"end":"2024-12-19T10:20:23.126000+08:00","text":"對，這邊已經公告了。","quality":1},{"speaker":"李委員坤城","start":"2024-12-19T10:20:23.526000+08:00","guessed":false,"end":"2024-12-19T10:20:24.246000+08:00","text":"是哪時候公告的？","quality":1},{"speaker":"莊局長琇媛","start":"2024-12-19T10:20:29.790000+08:00","guessed":false,"end":"2024-12-19T10:20:35.174000+08:00","text":"因為公會經過我們洽悉了之後，它應該就可以執行了。","quality":0.864},{"speaker":"李委員坤城","start":"2024-12-19T10:20:35.855000+08:00","guessed":false,"end":"2024-12-19T10:20:35.995000+08:00","text":"哪時候？","quality":1},{"speaker":"莊局長琇媛","start":"2024-12-19T10:20:38.174000+08:00","guessed":false,"end":"2024-12-19T10:20:38.294000+08:00","text":"11月的時候。","quality":1},{"speaker":"李委員坤城","start":"2024-12-19T10:20:38.415000+08:00","guessed":false,"end":"2024-12-19T10:20:38.978000+08:00","text":"11月的時候？對。","quality":1},{"speaker":"李委員坤城","start":"2024-12-19T10:20:43.412000+08:00","guessed":false,"end":"2024-12-19T10:20:57.581000+08:00","text":"將資本額達一定規模以上的上市櫃融資租賃公司納入金融消費者保護法的適用範圍，這個你們是要用行政命令公告的方式來實施嗎？","quality":0.946},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:20:57.581000+08:00","guessed":false,"end":"2024-12-19T10:21:00.943000+08:00","text":"是，就根據我們金融消費者保護法第三條的規定。","quality":0.85},{"speaker":"李委員坤城","start":"2024-12-19T10:21:01.944000+08:00","guessed":false,"end":"2024-12-19T10:21:02.784000+08:00","text":"也已經公告了嗎？","quality":1},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:21:02.784000+08:00","guessed":false,"end":"2024-12-19T10:21:03.305000+08:00","text":"還沒、還沒，我剛才講過還要尋求社會共識，就是他們還要……","quality":0.696},{"speaker":"李委員坤城","start":"2024-12-19T10:21:03.305000+08:00","guessed":false,"end":"2024-12-19T10:21:03.925000+08:00","text":"這個我記得好像11月的時候有問耶！","quality":0.786},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:21:08.968000+08:00","guessed":false,"end":"2024-12-19T10:21:29.393000+08:00","text":"對，我們當然是希望這些被我們第一波納管的也能夠了解我們整個所有的內容，所以我們還是希望趕快溝通完畢後就公告，公告以後兩個月生效，之後我們準備兩個月，希望能夠在半年、五個月之內能夠上路。","quality":0.976},{"speaker":"李委員坤城","start":"2024-12-19T10:21:29.533000+08:00","guessed":false,"end":"2024-12-19T10:21:34.554000+08:00","text":"我記得上次問你的時候，你們說年底希望能夠納入金融消費者保護法的適用範圍啊！","quality":0.829},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:21:34.894000+08:00","guessed":false,"end":"2024-12-19T10:21:57.952000+08:00","text":"是，沒錯，因為當時我們的預計是希望在年底就能夠公告，但是因為他們對我們很多作法還有疑慮，希望我們再溝通，上次也有參加立法院的公聽會，希望我們再開兩次會，跟他們溝通完畢之後再來上路，我們也覺得溝通很重要，持續……","quality":0.957},{"speaker":"李委員坤城","start":"2024-12-19T10:21:57.952000+08:00","guessed":false,"end":"2024-12-19T10:21:59.173000+08:00","text":"現在阻力最大的是什麼？","quality":0.8},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:22:00.335000+08:00","guessed":false,"end":"2024-12-19T10:22:14.969000+08:00","text":"我想他大概想的第一個可能是未來我們的評議制度、成本，還有評議的項目，還有我們納管的強度等等這些東西，因為他們畢竟是第一次嘛，所以我們會請我們的法務處及評議這邊多跟他們溝通。","quality":0.863},{"speaker":"李委員坤城","start":"2024-12-19T10:22:16.610000+08:00","guessed":false,"end":"2024-12-19T10:22:16.730000+08:00","text":"所以呢？","quality":0.667},{"speaker":"李委員坤城","start":"2024-12-19T10:22:18.212000+08:00","guessed":false,"end":"2024-12-19T10:22:20.174000+08:00","text":"大概哪時候才能納入金融消費者保護法呢？","quality":0.556},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:22:22.636000+08:00","guessed":false,"end":"2024-12-19T10:22:41.910000+08:00","text":"我想說，假如我們最近能夠儘快的召開一些會議，溝通完，大家有共識了，我們立刻就按照我剛剛說的進程，就是法規公告，公告60天後就生效，生效完畢以後就準備兩個月到三個月，我們就開始可以處理……","quality":0.938},{"speaker":"李委員坤城","start":"2024-12-19T10:22:44.292000+08:00","guessed":false,"end":"2024-12-19T10:22:46.754000+08:00","text":"所以這樣推算的話，最快也要半年的時間耶！","quality":0.944},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:22:46.754000+08:00","guessed":false,"end":"2024-12-19T10:22:47.354000+08:00","text":"那已經很快了。","quality":1},{"speaker":"李委員坤城","start":"2024-12-19T10:22:47.474000+08:00","guessed":false,"end":"2024-12-19T10:22:48.755000+08:00","text":"那已經很快了嗎？","quality":1},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:22:48.755000+08:00","guessed":false,"end":"2024-12-19T10:22:50.056000+08:00","text":"那是必要的法定程序。","quality":1},{"speaker":"李委員坤城","start":"2024-12-19T10:22:51.097000+08:00","guessed":false,"end":"2024-12-19T10:22:53.018000+08:00","text":"所以最快半年之內可以納進去就對了？","quality":0.938},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:22:53.138000+08:00","guessed":false,"end":"2024-12-19T10:22:53.498000+08:00","text":"對，我們希望。","quality":1},{"speaker":"李委員坤城","start":"2024-12-19T10:22:54.139000+08:00","guessed":false,"end":"2024-12-19T10:22:54.539000+08:00","text":"好，加油。","quality":1},{"speaker":"彭主任委員金隆","start":"2024-12-19T10:22:54.699000+08:00","guessed":false,"end":"2024-12-19T10:22:54.719000+08:00","text":"謝謝，謝謝委員。","quality":1},{"speaker":"主席","start":"2024-12-19T10:22:54.859000+08:00","guessed":false,"end":"2024-12-19T10:22:55.019000+08:00","text":"謝謝李坤城委員。","quality":1},{"speaker":"主席","start":"2024-12-19T10:22:55.019000+08:00","guessed":false,"end":"2024-12-19T10:22:56.100000+08:00","text":"李坤城委員不用擔心，禮拜五只要民進黨循規蹈矩的坐在座位上按表決器，那就一定會審到證交法。","quality":0.488},{"speaker":"李委員坤城","start":"2024-12-19T10:22:56.600000+08:00","guessed":true,"end":"2024-12-19T10:23:04.028571+08:00","text":"你有你的職權沒有錯，等你沒有坐在主席的位子再講話，好不好？","quality":0.038},{"speaker":"李委員彥秀","start":"2024-12-19T10:23:04.328571+08:00","guessed":true,"end":"2024-12-19T10:23:06.042857+08:00","text":"尊重一下主席。","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:23:06.342857+08:00","guessed":true,"end":"2024-12-19T10:23:08.914286+08:00","text":"尊重一下質詢的委員。","quality":0},{"speaker":"主席","start":"2024-12-19T10:23:09.214286+08:00","guessed":true,"end":"2024-12-19T10:23:10.928571+08:00","text":"我尊重你，我是……","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:23:11.228571+08:00","guessed":true,"end":"2024-12-19T10:23:17.228571+08:00","text":"尊重一下質詢的委員，我講完話之後你都要加附詞。","quality":0},{"speaker":"主席","start":"2024-12-19T10:23:17.528571+08:00","guessed":true,"end":"2024-12-19T10:23:20.671429+08:00","text":"我們大家都關心民生法案。","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:23:20.971429+08:00","guessed":true,"end":"2024-12-19T10:23:29.542857+08:00","text":"尊重一下質詢的委員，這是我的質詢時間，你的質詢時間你再講就好了啊！","quality":0},{"speaker":"主席","start":"2024-12-19T10:23:29.842857+08:00","guessed":true,"end":"2024-12-19T10:23:32.985714+08:00","text":"循規蹈矩大家按表決器啦！","quality":0},{"speaker":"主席","start":"2024-12-19T10:23:33.285714+08:00","guessed":true,"end":"2024-12-19T10:23:34.285714+08:00","text":"謝謝您。","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:23:34.585714+08:00","guessed":true,"end":"2024-12-19T10:23:38.871429+08:00","text":"浪費大家的時間，你有你的質詢時間。","quality":0},{"speaker":"李委員彥秀","start":"2024-12-19T10:23:39.171429+08:00","guessed":true,"end":"2024-12-19T10:23:41.457143+08:00","text":"這不耽誤我的時間。","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:23:41.757143+08:00","guessed":true,"end":"2024-12-19T10:23:44.042857+08:00","text":"那就耽誤你的時間。","quality":0},{"speaker":"李委員彥秀","start":"2024-12-19T10:23:44.342857+08:00","guessed":true,"end":"2024-12-19T10:23:45.485714+08:00","text":"沒有關係！","quality":0},{"speaker":"李委員彥秀","start":"2024-12-19T10:23:45.785714+08:00","guessed":true,"end":"2024-12-19T10:23:48.357143+08:00","text":"我尊重主席，如果……謝謝。","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:23:48.657143+08:00","guessed":true,"end":"2024-12-19T10:23:53.228571+08:00","text":"互相尊重，我講完話，他就要講一些廢話。","quality":0},{"speaker":"主席","start":"2024-12-19T10:23:53.528571+08:00","guessed":true,"end":"2024-12-19T10:23:57.528571+08:00","text":"我是幫你解除你的疑慮，不用擔心。","quality":0},{"speaker":"李委員坤城","start":"2024-12-19T10:23:57.828571+08:00","guessed":true,"end":"2024-12-19T10:24:04.685714+08:00","text":"你們不要把這些爭議性的選罷法列在前面就可以了，那個……","quality":0},{"speaker":"主席","start":"2024-12-19T10:24:04.985714+08:00","guessed":true,"end":"2024-12-19T10:24:17.557143+08:00","text":"你們坐在座位上好好的按表決器就可以了，所有的案子都會過，主要是你們不要在那邊鬧場就可以了，謝謝。","quality":0},{"speaker":"主席","start":"2024-12-19T10:24:17.857143+08:00","guessed":true,"end":"2024-12-19T10:24:19.571429+08:00","text":"請李彥秀委員。","quality":0}]},"gazette":{"lineno":516,"blocks":[["李委員坤城：（10時11分）謝謝主席，請彭主委。"],["主席：請彭主委。"],["彭主任委員金隆：委員早。"],["李委員坤城：主委好。當沖降稅再延三年，本來預計是從年底延到2027年嘛，其實朝野都有共識了，本來在上個禮拜五如果順利三讀通過的話，哇，我相信大家都一定很開心，因為這個是好的政策，不分朝野都在支持啊！但是上個禮拜五因為國民黨把選罷法排為優先法案，因為這個是有爭議性的，我們希望是不是能將沒有爭議性的當沖降稅案排進去，但國民黨不同意，所以上個禮拜就沒有通過了。這個禮拜五看起來通過的機會也不大，雖然我們一樣是把當沖降稅列為優先法案，但是國民黨一樣是把選罷法及憲訴法列為優先討論的法案裡面，我請教主委，如果這個禮拜五一樣，當沖降稅再延三年的規定沒辦法通過的話，會有什麼影響？"],["彭主任委員金隆：我想這個部分，我們當然是期待這個會期能通過，因為這個只到今年的年底嘛，法律期限就到今年的年底，上次確實，應該就在這個場地吧，大家都已經同意了啦……"],["李委員坤城：對！"],["彭主任委員金隆：我們也是期待，本來是說排到當週的星期五來通過……"],["李委員坤城：就是上個禮拜五啊！"],["彭主任委員金隆：我們也期待它過，但是所有的事情我們還是要做萬全的準備，所以我們也開始去盤點萬一立法遲延的時候，我們該如何因應，我們已經請相關的周邊單位開始……"],["李委員坤城：那要怎麼因應呢？看起來這個禮拜五是沒辦法過了啊！"],["彭主任委員金隆：我們把各種的狀況，我們還是期待它能夠……"],["李委員坤城：我先把最壞的狀況跟你講啦！"],["彭主任委員金隆：對、對、對，我還是期待它能過，但是我們……"],["李委員坤城：我跟你講，這禮拜五不會過了啦！"],["彭主任委員金隆：那我們的備案就會來啟動，我們已經開始在做這件事情了。"],["李委員坤城：有哪些備案呢？"],["彭主任委員金隆：比如說第一個，系統要改，我們的交易相關單位就必須要花一些人力趕快來做這件事情。"],["李委員坤城：時間夠嗎？"],["彭主任委員金隆：我們有盤點過，他們會儘量來配合。"],["李委員坤城：這需要多長的時間呢？"],["彭主任委員金隆：這要看每家公司的狀況，我們有請他們開始在作業，我想距離現在還有一點點時間……"],["李委員坤城：我就跟你講不會過了啦，國民黨不會讓你過啦！"],["彭主任委員金隆：不是，我是說現在到年底還有一點點時間啦，如果真的這樣的話，我們一定也要完成啦。"],["李委員坤城：對啊，你說第一個是修改程式，還有呢？"],["彭主任委員金隆：還有就是中間還有一些代徵的作業，因為我們現在是代徵嘛，等於是由我們的金融業者代替國家來徵收，這個部分在未來修法會怎麼修還不知道，是接下來就沒有了，還是說要追溯到那一天，就是說有各種狀況要開始去模擬各種作業的方式，未來可能就是還要……主要是人力啦，就是人力加班的這些支出啦。"],["李委員坤城：所以你們現在就要開始因應嘛，因為明天就20號了嘛，大概只剩下10天左右……"],["彭主任委員金隆：我們已經開始在……"],["李委員坤城：有開始？我就跟你講要做……"],["彭主任委員金隆：這一定要處理，一定要處理。"],["李委員坤城：要做最壞的打算跟準備……"],["彭主任委員金隆：當然，我們所有的工作……"],["李委員坤城：因為明天國民黨還是把選罷法跟憲訴法列在討論的這個……"],["彭主任委員金隆：委員，我還是期待能通過。"],["李委員坤城：我也希望能過，但是從上禮拜到明天，我看他們的優先法案就不是你們這個民生法案嘛，就不是你們這個當沖降稅延長三年，沒有！那都排到後面去，你們的法案是被當作肉票，知不知道？當作肉票……"],["彭主任委員金隆：我們隨時充滿希望啦！對啊！"],["李委員坤城：你是要充滿希望，但是……"],["彭主任委員金隆：但是我們還是會預做萬全的準備。"],["李委員坤城：但是我要跟你講最壞的情況，你要朝著這個最壞情況的方向去做準備。"],["彭主任委員金隆：是，我們確實要，謝謝委員提醒。"],["李委員坤城：再請教一下，我記得在3月份的時候我有詢問過金管會，今年要去中國做金檢嘛……"],["彭主任委員金隆：對。"],["李委員坤城：後來好像對岸說時機不妥，所以你們就沒有過去了？"],["彭主任委員金隆：當然，我們就去香港……"],["李委員坤城：它是哪時候回復你們的？"],["彭主任委員金隆：大概4月的時候。"],["李委員坤城：4月？"],["彭主任委員金隆：對，後來我們就去香港檢查，應該也就順利完成。"],["李委員坤城：去香港？去香港可以嗎？"],["彭主任委員金隆：香港可以。"],["李委員坤城：那中國呢？"],["彭主任委員金隆：中國就是被推遲嘛，我們就用其他的替代方式檢查。"],["李委員坤城：這樣也可以嗎？"],["彭主任委員金隆：我們就以替代的方式檢查，當然，我們還是要去了解我們在那邊的金融機構的經營狀況，只是說我們沒辦法派員去，但是很多的資料我們還是可以請他給我們看。"],["李委員坤城：如果今年沒辦法過去，那明年呢？我看你們還是有編預算，明年要過去嗎？"],["彭主任委員金隆：它其實沒有說不可以，只是說現在時機不宜，我們還是會按照……"],["李委員坤城：時機不宜就是不要讓你過去啊！"],["彭主任委員金隆：因為我們彼此有……"],["李委員坤城：但是時機不宜的理由到底是什麼啊？"],["彭主任委員金隆：當然我們就……"],["李委員坤城：因為4月份耶！"],["彭主任委員金隆：因為我們彼此都有互設金融機構，我們有簽金融合作的MOU，本來我們就可以提出要去檢查的需求，所以……"],["李委員坤城：對啊，已經4年沒去了，連今年沒去就4年沒去了！"],["彭主任委員金隆：還是請我們檢查局局長跟您簡單回復一下？"],["李委員坤城：好。"],["童局長政彰：報告委員，我們今年本來是要去三個分行，但是因為大陸方面是建議暫緩辦理，所以我們……"],["李委員坤城：本來要去哪裡？"],["童局長政彰：我們本來要去上海跟深圳，就是兩家銀行的各三家分行，因為剛好這兩家銀行我們在今年也有辦理……"],["李委員坤城：哪兩家？"],["童局長政彰：就是中信跟一銀，剛好我們今年度也有對這兩家總行辦理一般業務檢查跟專案檢查，所以我們就以調閱的方式調閱了這兩家銀行在大陸地區分行的相關資料，以此來實施我們的金融檢查。至於預算執行的部分，因為港澳是同一個預算科目，所以今年大陸方面建議我們不要去，我們就把相關的預算用在對香港的三家分行來實施金檢。"],["李委員坤城：所以明年還是會去問一下中國？"],["童局長政彰：對，我們明年度還是一樣有編列預算，我們是打算到大陸兩家、香港兩家，我們還是會循正常程序來跟陸方溝通。"],["李委員坤城：好，那我問一下，現在我們在中國的銀行，暴險的金額大概是多少？"],["彭主任委員金隆：現在大概是八千多億。"],["李委員坤城：八千多億？"],["彭主任委員金隆：對，已經是歷史的低點。"],["李委員坤城：就是說，包含銀行、證券、保險……"],["彭主任委員金隆：其他兩個行業的暴險，那個金額都相對小，總共加起來大概1兆出頭。"],["李委員坤城：我看了一下相關的資料，暴險的金額，你剛剛說八千多億，是不是？"],["彭主任委員金隆：對。"],["李委員坤城：降到八千多億？"],["彭主任委員金隆：8,700億左右。"],["李委員坤城：如果你有詳細的資料再提供給我，因為……"],["彭主任委員金隆：沒問題，我們有定期公布這些資訊，我們再把它……"],["李委員坤城：有定期公布就對了。因為現在中國不管是房地產或是其他行業的風險都很高啦，所以我就是想看一下我們銀行業在那邊的暴險金額是不是有降低啦！"],["彭主任委員金隆：其實我們對海外不只都有相關的警示跟揭露機制在處理中，相關的這些，比如歷年的資料，我再請我們同仁提供給委員參考。"],["李委員坤城：好，那再問一下主委有關融資公司的管理，你們現在是請銀行公會來處理嗎？"],["彭主任委員金隆：不是，喔，融資公司的貸放部分是請那個，因為是銀行借錢給他們嘛，我們從貸後管理的角度來要求銀行跟融資公司互動。"],["李委員坤城：不是，我的意思是說，那時候我也有問過啦，就是你們現在先請銀行公會對融資租賃業有一個授信實務的公告啦，那個公告有實施了嗎？"],["彭主任委員金隆：有啊，就是針對那個BNPL跟車貸的部分。"],["李委員坤城：是哪時候實施的？"],["莊局長琇媛：上半年公布了之後就立刻實施。"],["李委員坤城：沒有，我記得你們那時候是說年底啊，怎麼會是上半年呢？"],["莊局長琇媛：年底的部分，沒有、沒有，年底的部分應該是我們現在正在做……"],["李委員坤城：你們有一個什麼授信實務守則啊，有這個東西嗎？"],["莊局長琇媛：有，這個是針對那個BNPL，再來就是中古車的車貸的一些相關實務授信的規定。"],["李委員坤城：對，這也公告實施了嗎？"],["莊局長琇媛：對，這邊已經公告了。"],["李委員坤城：是哪時候公告的？"],["莊局長琇媛：因為公會經過我們洽悉了之後，它應該就可以執行了。"],["李委員坤城：哪時候？"],["莊局長琇媛：11月的時候。"],["李委員坤城：11月的時候？"],["莊局長琇媛：對。"],["李委員坤城：將資本額達一定規模以上的上市櫃融資租賃公司納入金融消費者保護法的適用範圍，這個你們是要用行政命令公告的方式來實施嗎？"],["彭主任委員金隆：是，就根據我們金融消費者保護法第三條的規定。"],["李委員坤城：也已經公告了嗎？"],["彭主任委員金隆：還沒、還沒，我剛才講過還要尋求社會共識，就是他們還要……"],["李委員坤城：這個我記得好像11月的時候有問耶！"],["彭主任委員金隆：對，我們當然是希望這些被我們第一波納管的也能夠了解我們整個所有的內容，所以我們還是希望趕快溝通完畢後就公告，公告以後兩個月生效，之後我們準備兩個月，希望能夠在半年、五個月之內能夠上路。"],["李委員坤城：我記得上次問你的時候，你們說年底希望能夠納入金融消費者保護法的適用範圍啊！"],["彭主任委員金隆：是，沒錯，因為當時我們的預計是希望在年底就能夠公告，但是因為他們對我們很多作法還有疑慮，希望我們再溝通，上次也有參加立法院的公聽會，希望我們再開兩次會，跟他們溝通完畢之後再來上路，我們也覺得溝通很重要，持續……"],["李委員坤城：現在阻力最大的是什麼？"],["彭主任委員金隆：我想他大概想的第一個可能是未來我們的評議制度、成本，還有評議的項目，還有我們納管的強度等等這些東西，因為他們畢竟是第一次嘛，所以我們會請我們的法務處及評議這邊多跟他們溝通。"],["李委員坤城：所以呢？大概哪時候才能納入金融消費者保護法呢？"],["彭主任委員金隆：我想說，假如我們最近能夠儘快的召開一些會議，溝通完，大家有共識了，我們立刻就按照我剛剛說的進程，就是法規公告，公告60天後就生效，生效完畢以後就準備兩個月到三個月，我們就開始可以處理……"],["李委員坤城：所以這樣推算的話，最快也要半年的時間耶！"],["彭主任委員金隆：那已經很快了。"],["李委員坤城：那已經很快了嗎？"],["彭主任委員金隆：那是必要的法定程序。"],["李委員坤城：所以最快半年之內可以納進去就對了？"],["彭主任委員金隆：對，我們希望。"],["李委員坤城：好，加油。"],["彭主任委員金隆：謝謝，謝謝委員。"],["主席：謝謝李坤城委員。李坤城委員不用擔心，禮拜五只要民進黨循規蹈矩的坐在座位上按表決器，那就一定會審到證交法。"],["李委員坤城：你有你的職權沒有錯，等你沒有坐在主席的位子再講話，好不好？"],["李委員彥秀：尊重一下主席。"],["李委員坤城：尊重一下質詢的委員。"],["主席：我尊重你，我是……"],["李委員坤城：尊重一下質詢的委員，我講完話之後你都要加附詞。"],["主席：我們大家都關心民生法案。"],["李委員坤城：尊重一下質詢的委員，這是我的質詢時間，你的質詢時間你再講就好了啊！"],["主席：循規蹈矩大家按表決器啦！謝謝您。"],["李委員坤城：浪費大家的時間，你有你的質詢時間。"],["李委員彥秀：這不耽誤我的時間。"],["李委員坤城：那就耽誤你的時間。"],["李委員彥秀：沒有關係！我尊重主席，如果……"],["主席：謝謝。"],["李委員坤城：互相尊重，我講完話，他就要講一些廢話。"],["主席：我是幫你解除你的疑慮，不用擔心。"],["李委員坤城：你們不要把這些爭議性的選罷法列在前面就可以了，那個……"],["主席：你們坐在座位上好好的按表決器就可以了，所有的案子都會過，主要是你們不要在那邊鬧場就可以了，謝謝。","請李彥秀委員。"]],"agenda":{"page_end":286,"meet_id":"委員會-11-2-20-11","speakers":["陳玉珍","林德福","吳秉叡","賴士葆","賴惠員","王鴻薇","李坤城","李彥秀","伍麗華Saidhai‧Tahovecahe","顏寬恒","黃珊珊","郭國文","洪孟楷","羅明才","葉元之","楊瓊瓔"],"page_start":209,"meetingDate":["2024-12-19"],"gazette_id":"1140901","agenda_lcidc_ids":["1140901_00003"],"meet_name":"立法院第11屆第2會期財政委員會第11次全體委員會議紀錄","content":"一、審查中華民國114年度中央政府總預算案有關金融監督管理委員會、銀行局、證券期貨局、\n保險局、檢查局收支部分（僅詢答）；二、審查中華民國 114年度中央政府總預算案附屬單位預\n算營業部分，有關金融監督管理委員會主管中央存款保險股份有限公司（僅詢答）；三、審查中\n華民國 114 年度中央政府總預算案附屬單位預算非營業部分，有關金融監督管理委員會主管：\n（僅詢答）(一)特別收入基金─金融監督管理基金、(二)信託基金─保險業務發展基金","agenda_id":"1140901_00002"}}},"supported_relations":[],"relations":[]}