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十班的阿嬤啦有些連學生都去借啊借了就陷入那個悲慘的循環主委你知道地下錢莊啊它的年利率多少其實它是算天的啦年利率多少 大概你有沒有這個概念這個請委員 這個理系%有啦36%也有啦有的超過50%啊"},{"start":460.578,"end":484.329,"text":"我看到一個悲慘的案例就是不到一個月借不到一百萬結果一個多月他必須已經還了一百多萬事情才解決他拿多少 他拿八十幾萬而已還了大概一百塊五十萬所以這個地下錢莊的事你管不管"},{"start":486.187,"end":514.46,"text":"其實確實我們現在主管是金融機構這些部分是因為可能現在的話它如果登記為一般公司那確實不是我們金管會的管轄機關那就變成是你本來以前可能這個銀行的放款業務銀行的帳戶使用非常的方便現在因為你急劇的凍結嚴格的審查很多帳戶不能用"},{"start":515.694,"end":536.691,"text":"他這些小戶不能用他只要轉向地下去了對啊 這也是我們過去一直在講說我們假設真的要針對所謂的民間帶放行為做廣泛式的納管必須要慎重的知道它的影響評估我想這也是剛剛文岳點到一個重點有時候比如說納管"},{"start":537.872,"end":555.707,"text":"確實是一件好事嗎不一定啦但就是說我們要看他影響要來看判斷因為畢竟市場即便你納管以後他可能更借不到這樣的一個錢那我想地下錢莊他可能有其他的法律比如他違反了重力這些東西其實還是有其他的法律可以約束他"},{"start":557.341,"end":578.546,"text":"所以現在那個租賃公司你全部都可以管嗎我們現在的話9月15號開始我們是針對我們的幾家上市櫃公司及周邊的這是第一階段第二階段很快的會針對金融機構這個相關十幾家也會納管我們在應該未來很快的會把所有我們整個租賃公會下面的會員公司把它納管"},{"start":578.826,"end":601.567,"text":"第二階段納管的家宿大概有幾家就是你所說的金融機構周邊他們都有轉投資大概十三四家左右十三四家哪十四家這我可能一下子沒辦法回答委員就是很多金庫跟銀行轉投資的表面是一個正正堂堂的銀行家很正常的金融機構"},{"start":602.708,"end":620.47,"text":"可是他是掛羊頭賣狗肉表面都說正規真正借不到錢的時候他另外跟你講說你去找租賃公司講難聽一點這些租賃公司它利率收多少8%服務稅加一加十幾%"},{"start":622.401,"end":645.123,"text":"它等於是上下其手表面是開銀行但是把一些中間的客戶群或者下層的客戶群把它安排到它自己可以控制的租賃公司然後來吸乾 榨乾 抹淨這些小企業或是比較弱勢的企業"},{"start":647.458,"end":659.039,"text":"主委你知道這件事嗎我想社會很多的樣態啦那我們按照我們現在既定的步驟我們會逐步來納管這些民眾如果遇到這樣的委屈可以跟金管會誰來伸出"},{"start":660.751,"end":687.974,"text":"如果是我們現在納管的這個可以跟我們的平益中心可以跟我們來申訴是找董局長嗎我們銀行局跟平益中心銀行局也可以 平益中心都可以另外剛講的那個凍結戶造成很多民眾的不方便20萬戶然後大家覺得很奇怪這是我們民眾的財產你說凍結就凍結可是有多少的是冤枉戶啊"},{"start":689.117,"end":713.734,"text":"這也是我們去年打造專法通過以後希望銀行來做這件事情我想這部分我們會手法上面我們一定會強力要求他們要精進減少誤判銀行為刀鼠 小老百姓為魚肉主委 你能不能有一個單一窗口萬一被凍結 你查嘛你凍結 你有懷疑的趕快查"},{"start":714.494,"end":732.7,"text":"你不是啊 你要一次凍結五天 十天 半個月 一個月民眾也不曉得到底發生什麼事請問要找哪一個申訴單位真的如果說委員如果發言有比較不當的個案提供給我但是我們會要求每家銀行要成立專線24小時服務這件事情"},{"start":734.341,"end":752.808,"text":"那一般凍結給人家凍結幾天沒有那個要看情況正常來講如果警示賬戶的話是要由檢警調來解控那時間不知道但是一般假設是銀行自我管控的部分他可以只要是他了解他可以應該可以馬上就做到所以你這個做要做你也請銀行單位"},{"start":754.75,"end":767.686,"text":"不要拿著雞毛當令箭然後傷及無辜那當然當然但是我們也希望說打造真正全民的共識那我們也背負很大很大的這樣的一個這個責任我們會努力來做謝謝"}]}},"supported_relations":[],"relations":[]}