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請彭主委喂 彭主委好辛苦了我本來今天要跟你談難得你推動的這個亞洲資產管理中心現在已經有35家金融機構表態願意進駐這本來是好消息可是我今天要先跟你提一項就是到底我們國內血汗"},{"start":30.798,"end":59.548,"text":"責任額的金融機構是哪一些啦因為大概這幾個禮拜來就承接著我們從去年開始有的這個ETF的熱潮那我們就陸續接到金融機構券商包括銀行那麼券商的營業員銀行的理專們他們都有來投訴就是說竟然啊"},{"start":60.782,"end":86.685,"text":"我們的金融機構包括國營的喔給他們一個不合理的責任額的分配那這些責任額的分配那該券商銀行都是用這種人格侮辱威脅恐嚇經濟壓迫不公平對待甚至很多很奇怪的"},{"start":87.731,"end":113.006,"text":"言論方式來壓榨他們我舉幾個這種亂象這些亂象其實或多或少我想主委你應該有接到投訴比方說這個責任你做不到自己想辦法比方說要不然你就自掏腰包要不然你就這個環境不適合你你就離開吧"},{"start":113.959,"end":135.163,"text":"用這種威脅的方式甚至還直接券商還直接對這個營業人說我不相信你在IPO連十萬都賣不到都騙不到連十萬都騙不到那某一家今天"},{"start":143.833,"end":158.502,"text":"這個公營勞務他也在場但是是他們的證券主管啦直接在談話的時候直接強調說要用話術去詐騙客戶天啊用話術詐騙客戶那就包括剛剛我講的連10萬IPO的時候你連10萬都騙不到嗎天啊"},{"start":171.138,"end":198.457,"text":"我先前在說薯條三兄弟是有牌的地下錢莊成幾何時我們國家的國營的券商銀行竟然成了有牌的詐騙集團要去詐騙投資人詐騙我們一般的百姓可以這樣子嗎要"},{"start":201.052,"end":219.096,"text":"他的禮專銀行券商要他的音樂園去詐騙投資者無辜的民眾可以這樣子做嗎然後還亂象超多啦我隨便舉幾項齁還說這些儲管講話的時候還說"},{"start":226.209,"end":251.383,"text":"你的裙子穿得比別人短結果你的責任跟別人一樣你覺得這樣公平嗎竟然講這樣子的話有的主管還直接對女性講說你是女性欸你是女人欸你要利用自己的優勢天啊"},{"start":254.042,"end":280.683,"text":"天啊這些都是實話我再沒有看到這些投訴沒看到他們提出的證據的時候實在不敢相信無法自信所以我相信王主委你或多或少理解到這一個部分所以我要請問你的就是說有沒有接獲就是我們金管組會有沒有接獲這個"},{"start":283.188,"end":285.634,"text":"券商投信銀行"},{"start":286.877,"end":315.18,"text":"他們的營業員禮專這一些那有這種被壓迫的情況還有第二點那我們金管會專案經檢了沒有那這個專案經檢我覺得不能只針對投信券商我看連銀行都要在內的原因是什麼呢銀行因為要負責保管嘛銀行現在他們也要銷售這個叫做投資型的"},{"start":316.621,"end":345.609,"text":"投資型的保單那現在銀行也給他們的這個包括除了禮專以後還包括他們的櫃員他們在櫃台的也都分配他們額度就對然後甚至有的儲管直接挑明的說啦直接挑明的說說你自行購買就是你自掏腰包"},{"start":346.789,"end":362.767,"text":"那這個就是付給公司的保護費條明要這樣講喔 說這個是付給公司的保護費否則 否則 欸 他說KPI不達到 年終獎金一毛也拿不到"},{"start":364.858,"end":393.897,"text":"就是這樣子天啊激進恐嚇之能勢啦所以這些亂象那個彭主委我不曉得您有沒有接獲這一些亂象的投訴還有你打算怎麼樣來整頓報告委員我們有接到投訴那就是因為在大概是這件事情的前後我們大概有我們棋局這邊有接到一些投訴的動作啦那當然"},{"start":395.075,"end":408.674,"text":"就像這個全經聯也提出一些訴求啊我們當然也就採取了行動那這部分的話我們分兩部分跟委員簡單說明一下我先請那個政經局長簡單跟你報告一下他們現在請眷商是怎麼做"},{"start":412.034,"end":435.194,"text":"跟委員報告我們現在已經叫建商全部去搜尋這個事項那搜尋回來我們再來看他們怎麼方式來現在去搜尋資料那這個大概多久會有結果我想一兩個禮拜就會回來一兩個禮拜一個禮拜兩個禮拜你要講清楚好不好因為兩個禮拜他們就會回報回來那你一拿到結論"},{"start":437.421,"end":457.963,"text":"你除了通報彭主委也讓我們知道好不好讓我們財委會知道好不好那彭主委你有要求說你這其實也對啦你要求他們說先制定規範先制律這也對可是如果已經有這麼荒腔走板的言行出現"},{"start":459.864,"end":484.934,"text":"黃牆左板的要求出現了我覺得這不只是讓他們自律而已而且剛剛你有提到的這個全今年他們這個五大訴求我覺得這個五大訴求都蠻有道理的而且是我們應該積極去做到包括他提到的第五個訴求就是建立吹哨者的保護機制這一點也很重要否則他們金若寒蟬不太敢講"},{"start":486.835,"end":491.217,"text":"任何一個建設性的意見對希望市場更健全更好我們都會來演繹參考他們認為頭信回單機制應該揭露他們認為對違法違規的券商要從嚴處分限期改善這個都對啊要求他們內部規範這就是你提到的嘛內部規範先要求他們自律"},{"start":512.468,"end":536.473,"text":"然後他們要求說IPO的評分機制這個要有這個都正確的事情尤其最後這一點就是說我希望能做到這個吹哨者保護的機制好不好我想這些都很具體啦我們都可以來看看只要能夠改善市場剛才委員提到啦剛才那些情況如果是不合理的我想"},{"start":537.694,"end":552.595,"text":"我上次文匯提到說因為我們業務端他有很多的那個促進業務的做法但是也要合理對當然合法是不是不用講了你看喔這些齁我舉我舉你看嘛去年我諮詢就講我說我們"},{"start":553.917,"end":583.317,"text":"銀行手續費收入是佔竟然佔他們的大宗那我們前五大還好這前五大都是民營銀行他們去拼賺這些手續費最高的一年四百一十幾億其他都兩三百億第五名的還有一百六十六億之高那當然這些手續費的收入某個程度講這是他們的權利啦但是每年啊"},{"start":584.399,"end":588.871,"text":"加起來上千億的手續費我就講五年就好"},{"start":589.471,"end":599.497,"text":"五年以來金融商品的說明不足造成的爭議竟然高達1390件欸五年1390件讓他們每年可以收上千億兩千億的手續費那這些金融商品他們胡亂週一通就是剛剛講的騙的結果有爭議啦1390件五年總共罰五件啦"},{"start":616.807,"end":628.473,"text":"五件那總共罰五千六百萬那可以說是哇這個是九牛一毛啦九萬牛一毛啦"},{"start":629.537,"end":654.132,"text":"每年兩千多億啊五年一兆的手續費那有爭議的那麼多只罰五千六百萬天啊所以我最後那個主席不好意思齁我再一分鐘我是要跟那個彭主委強調一下其實我們要壯大台灣金融市場打造具有台灣特色的資產管理這個都對但是有一點"},{"start":655.379,"end":681.219,"text":"我一直覺得蠻矛盾就是我一年前講 講到現在我就說我們受險的資金餘額35兆裡面有高達70%有25兆拿去買國外的債券基金而這些國外的債券基金兩大風險一個匯率 一個戰爭結果兩個我們都碰到了匯率就是這一次美國這一次"},{"start":682.02,"end":710.019,"text":"那這台幣漲了一成他們的損失這麼重大他們受險要的損失就是全民保護的損失欸是這樣嘛這個阿藏針提的也碰到了嘛俄國買的那一千三百多億就是碰到戰爭的風險所以我要你回去好好細思一下當我們希望打造台灣成為亞洲資產管理中心的時候至少"},{"start":710.899,"end":735.035,"text":"我們要一定程度的要在國內我們設建設公債引導我們這些受險資金回到台灣來壯大台灣這才對也就是說我們的錢至少相當一部分我們自己管這樣我們才有辦法去吸收國外的錢說你來給我管不是這樣嗎如果我們70%的錢出去給別人管"},{"start":735.715,"end":763.998,"text":"然後我們說拜託大家錢來給我管這不成效那要找誰來給我們管找非洲的小國家嗎所以這一點我們要好好的細思一下也就是說美國這一次的關稅匯率這件事情是不是會影響到我們導引我們國內授權業的資金回台灣這個部分正反面好好去評估好不好"},{"start":764.458,"end":764.999,"text":"接著請黃珊珊委員質詢"}]},"gazette":{"lineno":973,"blocks":[["王委員世堅：（12時15分）謝謝主席，請金管會彭主委。"],["主席：請彭主委。"],["彭主任委員金隆：委員好。"],["王委員世堅：彭主委好，辛苦了。難得你推動的亞洲資產管理中心現在已經有35家金融機構表態願意進駐，這本來是好消息。"],["彭主任委員金隆：是。"],["王委員世堅：可是我今天要先跟你提一下，到底我們國內血汗責任額的金融機構是哪一些？因為大概這幾個禮拜來，承接著去年開始就有的ETF熱潮，我們陸續接到金融機構的券商營業員及銀行理專都有來投訴，竟然我們的金融機構包括國營的，會給他們的員工不合理的責任額分配。對於這些責任額的分配，該券商、銀行都是用人格污辱、威脅恐嚇、經濟壓迫等不公平對待，甚至用很多奇怪的言論方式來壓榨員工。我舉幾個亂象，這些亂象或多或少我想主委應該有接到投訴，比方責任額如果做不到就自己想辦法，比方要你自掏腰包，不然就以環境不適合你，你可以離開了的威脅方式，甚至券商還直接對營業員說：我不相信IPO連10萬元都賣不到、都騙不到！說連10萬都騙不到！某一家公營行庫今天也在場，他們的證券主管在談話的時候直接強調要用話術去詐騙客戶！天啊！用話術詐騙客戶？所以就包括剛剛我講的，質疑IPO連10萬元都騙不到嗎？天啊！我先前說「薯條三兄弟」是有牌的地下錢莊，曾幾何時，我們國家的國營券商銀行竟然成了有牌的詐騙集團，要去詐騙投資人，詐騙一般的百姓，可以這樣子嗎？銀行要理專及券商要營業員去詐騙投資者，對無辜的民眾，可以這樣子做嗎？","實際上，亂象超多啦，我隨便再舉幾項。這些主管還說：你的裙子穿的比別人短，結果你的責任和別人一樣，你覺得這樣公平嗎？竟然講這樣子的話！有的主管還直接對女性講：你是女性耶、你是女人耶，你要利用自己的優勢！天啊！天啊！這些都是實話耶，我在沒有看到這些投訴，沒看到他們提出證據的時候，實在不敢相信啦，無法置信。我相信彭主委或多或少也要理解到這個部分。我要請問你，第一、金管會有沒有接獲券商、投信、銀行的營業員及理專有這種被壓迫的情況？第二，這部分金管會專案金檢了沒有？專案金檢我覺得不能只針對投信券商，我看連銀行都要在內，原因是什麼？銀行因為要負責保管嘛，現在他們也要銷售投資型的保單，所以現在銀行除了對理專之外，還包括在櫃台的櫃員也都有分配額度。甚至有的主管直接挑明的說，自行購買就是自掏腰包，這就是付給公司的保護費。挑明的這樣講喔，說這個是付給公司的保護費，否則KPI不達到，年終獎金一毛也拿不到！就是這樣子，天啊！極盡恐嚇之能事，對於這一些亂象，我不曉得主委有沒有接到投訴，還有你打算怎麼樣來整頓？"],["彭主任委員金隆：報告委員，我們有接到投訴，對於這些事情，我們期局這邊有接到一些投訴，就像全金聯也提出一些訴求，我們當然也就採取了行動，對於這部分，我們分兩部分跟委員簡單說明一下，我先請證期局局長跟你報告一下現在券商怎麼做。"],["張局長振山：跟委員報告，我們現在已經叫券商全部去搜尋這個事項，搜尋回來，我們再來看他們怎麼方式來想。"],["王委員世堅：現在去搜尋資料？已經搜尋了，大概多久會有結果？"],["張局長振山：報告一、兩個禮拜就會回來。"],["王委員世堅：一或兩個禮拜你要講清楚，好不好？"],["張局長振山：兩個禮拜他們就會回報回來。"],["王委員世堅：好，那你一拿到結論，除了通報彭主委，也讓我們財委會知道，好不好？"],["張局長振山：好的。"],["王委員世堅：主委，其實你這樣也對啦，你要求他們先制定規範，先自律，這也對，可是如果已經有這麼荒腔走板的言行出現，這麼荒腔走板的要求出現了，我覺得這不只是讓他們自律而已。而且剛剛你有提到全金聯的五大訴求，我覺得這個五大訴求都滿有道理的，而且是我們應該積極去做到，包括第五個訴求是要建立吹哨者保護機制，這一點很重要，否則他們噤若寒蟬，不太敢講，這一點可不可以做到？"],["彭主任委員金隆：任何一個意見，只要有建設性的意見，希望市場更健全更好，我們都會來好好來研議。"],["王委員世堅：他們認為投信回單機制應該揭露，他們認為對違法違規的券商要從嚴處分，限期改善。這個都對，要求他們內部規範，這就是你提到的，內部規範先要求他們自律，然後他們要求IPO的評分機制要有，這個都是正確的事情。尤其最後這一點，就是我希望能做到吹哨者保護的機制，好不好？"],["彭主任委員金隆：這些都很具體，我們都可以來看看，只要能夠改善市場。剛才委員提到了，剛才那些情況如果是不合理的，我上次在委員會也提到，因為我們業務端有很多促進業務的做法，但是也要合理，當然合法是不用講了。"],["王委員世堅：另外，去年我質詢就講了，銀行手續費收入竟然佔他們收益的大宗，還好前五名都是民營銀行，他們去拚賺這些手續費，最高的一年四百多億，其他都兩、三百億，第5名的還有166億之高，當然這些手續費的收入某個程度來講是他們的權益，但是每年加起來有上千億的手續費。另外，我講近五年的金融糾紛，五年以來，因為金融商品說明不足造成的爭議竟然高達1,390件，五年有1,390件，讓他們每年可以收上千億、兩千億的手續費，那這些金融商品，他們胡亂收一通，就是剛剛講的用騙的，結果有爭議的有1,390件，五年總共罰5件，5件總共罰5,600萬，可以說是九牛一毛、九萬牛一毛！每年二千多億，五年1兆的手續費，有爭議的那麼多，只罰5,600萬，天啊！","主席，不好意思，我再一分鐘。我最後要跟彭主委強調一下，其實我們要壯大臺灣金融市場，打造具有臺灣特色的資產管理，這個都對，但是有一點我一直覺得蠻矛盾，我一年前講到現在，就是我們壽險的資金餘額35兆，裡面有高達70%有25兆拿去買國外的債券基金，而這些國外的債券基金有兩大風險，一個匯率，一個戰爭，結果兩個我們都碰到了，匯率就是這一次美國，那台幣漲了一成，他們的損失這麼重大，他們壽險業的損失就是全民保戶的損失，是這樣吧？第二個是戰爭，結果也碰到了，俄國買的那一千三百多億，就是碰到戰爭的風險。所以我要你回去好好細思一下，當我們希望打造臺灣成為亞洲資產管理中心的時候，至少我們要一定程度的在國內設建設公債，引導我們這些壽險資金回到臺灣，來壯大臺灣才對，也就是說我們的錢至少相當一部分要我們自己管，這樣我們才有辦法去吸收國外的錢，要他們來給我們管嘛，不是這樣嗎？如果我們70%的錢出去給別人管，然後我們拜託他們的錢來給我們管，這不是「裝肖維」嗎？那要找誰來給我們管？找非洲的小國家嗎？所以這一點我們要好好的細思一下，也就是美國這一次關稅匯率這件事情，是不是會影響到我們導引國內壽險業的資金回臺灣，對這個部分的正反面要好好去評估，好不好？"],["彭主任委員金隆：好，謝謝委員。"],["王委員世堅：謝謝，你辛苦了。"],["主席：謝謝王世堅委員。","接著請黃珊珊委員質詢。"]],"agenda":{"page_end":328,"meet_id":"委員會-11-3-20-14","speakers":["賴惠員","沈發惠","林楚茵","林德福","吳秉叡","賴士葆","郭國文","鍾佳濱","林思銘","顏寬恒","羅明才","李坤城","陳玉珍","李彥秀","王世堅","黃珊珊","林楚茵","廖先翔","邱志偉"],"page_start":263,"meetingDate":["2025-05-28"],"gazette_id":"1145401","agenda_lcidc_ids":["1145401_00007"],"meet_name":"立法院第11屆第3會期財政委員會第14次全體委員會議紀錄","content":"一、審查「國際金融業務條例」8案：(一)本院委員沈發惠等18人、委員鍾佳濱等17人分別擬具\n「國際金融業務條例第十三條、第二十二條之七及第二十二條之十六條文修正草案」等 2 案、\n(二)行政院函請審議、本院委員李坤城等20人、委員陳菁徽等16人、委員郭國文等19人、委員羅\n廷瑋等17人、委員陳玉珍等16人分別擬具「國際金融業務條例第二十二條之十六條文修正草案」\n等6案；二、審查「證券投資人及期貨交易人保護法」9案：(一)行政院函請審議、本院委員鍾佳\n濱等20人、委員李坤城等19人、委員沈發惠等18人分別擬具「證券投資人及期貨交易人保護法部\n分條文修正草案」等 4 案、 ( 二 ) 本院委員林楚茵等 17 人、委員王鴻薇等 19 人、委員郭國文等 18\n人、委員賴士葆等32人分別擬具「證券投資人及期貨交易人保護法第十條之一條文修正草案」等\n4案、(三)本院委員林思銘等18人擬具「證券投資人及期貨交易人保護法第十條之一及第二十條\n條文修正草案」案","agenda_id":"1145401_00006"}}},"supported_relations":[],"relations":[]}