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董事長 獨立董事有沒有再一次 再去翻檢一次說到底他們符不符合這一條要求因為這已經嚴重涉及利益衝突那來自我們全體2300萬人我們辛苦的血汗錢存到這些銀行這些金控"},{"start":164.881,"end":188.454,"text":"今天我們存款的全國存款的額度有來到65兆這都是我們全民辛苦得來的所以不管是公營民營都不能有這種事情發生這很清楚的他們這麼做的心態就是堅守制道"},{"start":189.758,"end":211.336,"text":"那你有沒有這個部分的計畫作為好謝謝委員給我說明我想剛剛委員有幾件事情我想再跟委員重申一下其實第一個委員問說那個所有的負責人上任的時候應該因為我們的不同業別有不一樣就是假設剛剛委員講銀行的話應該他上任的時候就要符合我們的消極跟積極資格"},{"start":213.177,"end":239.14,"text":"那個積極資格裡面是他專業消極就是他有兼任有沒有不符合這個規定他必須先做這個事情然後再來就是那接下來他的兼任呢按照他們自己的內控還有我們班訂的這些規定裡面他必須要在通常上任的時候你有新兼或是這個改變的時候你要去做申報那申報他們也要定期的去查核他們自己有沒有兼職那剛剛委員提到他們在投信的地方"},{"start":240.061,"end":254.597,"text":"產生這個環節的落差就是說他投信因為你的董事他又兼投信的董事沒有再去申報他去投資另外一家公司結果他買到他這家公司的那個股票那這個沒有申報你們怎麼處罰這個影響很大現在他會這樣的話因為他會違反我們的內控內基制度"},{"start":262.556,"end":278.047,"text":"對 你們怎麼處罰就按照我們的規定裡面不同的法律有不一樣的罰度像我想待會請銀行局長假設你在銀行違反內空內紀錄的話最多可以罰到多少錢那比如說你在你們去罰了嗎"},{"start":279.771,"end":298.825,"text":"阿去要求他們去解職了嗎?謝委員就是我們在一路知道這件事情的時候我們就要釐清他真相找他來問了非常多次而且我們也請他補充非常多因為我們要釐清事實才能夠給予精準的處罰才能夠我們監理機關不能夠用臆測方式去處罰他所以"},{"start":304.329,"end":326.307,"text":"離清那個錯誤事實我是講得很難聽 那種叫犯罪事實離清犯罪事實當然要時間但是清查這個犯罪狀況 犯罪狀態的存在其實很快啊那個調資料所有名冊這樣去勾結就知道了啊"},{"start":327.308,"end":356.512,"text":"這一件事情就是我們金管會疏於勾肌嘛還有一項就是像比方說銀行的賤價昨天我的助理們問檢察局說就這五年來呀我們檢察局有沒有針對銀行 金控他們受信的時候那些財產單保評的這個賤價有沒有去做了解去評估說這有沒有不實的啦"},{"start":356.972,"end":383.687,"text":"因為這不時有很多情況有的是他是因為專業不足可能無資但是有的他是有心的那個可能是被動無資要他就寫一寫那麼就怎麼弄他就去處著那樣的貸款我們說有沒有去檢查他說有五年來你們有檢查"},{"start":384.387,"end":407.367,"text":"有沒有查出有失誤有錯誤的部分他說有確實有有幾件他說不能回答有沒有轉銀行局去懲處後續的懲處他也說不能回答當然都不能回答如何懲罰那也更不能回答"},{"start":408.751,"end":415.242,"text":"所以我們銀行有的這些呆帳我強烈質疑說那很多就是因為這種見價不實嘛"},{"start":418.425,"end":445.973,"text":"才導致到現在有那些呆帳不是這樣嗎我們局長在這邊可以請他簡單說明一下來 各位局長報告委員也就是說現在銀行的估價的部分依照那個銀行公會的這個壽性的準則它的估價是必須要依照這個擔保品它的這個當時的市值還有它的折舊率還有它的銷售性來進行估價我知道你們有好多那個準則我跟你講啦所有這一些"},{"start":448.12,"end":476.385,"text":"間駕不時的齁 裡面齁最大的共同的缺失都是說沒有去查訪 臨近的行情價格這個是最大 而且最莫名其妙的失誤欸 你就在這個地方 你臨近別人的行情是怎樣 行情都沒通過欸 臨近價格三五十萬的你這個要顧一百萬"},{"start":478.657,"end":501.696,"text":"這樣子的就我所知在你們檢查裡面所犯他們犯下的錯誤這種的最多啦那我現在問喔我說那你到底查了幾件你要讓我們知道你們這個也說不能知道這個就跟國防機密一樣就對了你們有沒有懲處也不能讓我們立法院知道"},{"start":503.271,"end":511.204,"text":"啊怎麼樣懲處那更不能那你們再來什麼時候幾年會再查一次啊也統統不能說是這樣子嗎"},{"start":513.559,"end":541.064,"text":"那這樣子就不需要立法院啦不需要我們常委會來監督你們不是嗎我們希望你們能夠全你們是很專業的幫我們全民去監控這些監控銀行包括證券期貨這些還有上市櫃公司我們是要你們這麼做以你們的專業嘛那你們總是要把這個查查的結果"},{"start":541.684,"end":558.886,"text":"告知 你沒辦法告知2300萬人民啊那你至少要告知我們國會啊讓我們國會知道如果說這是秘密資料那你也可以私下秘密給我看看不是這樣嗎為什麼不能給我看啊我覺得很奇怪是"},{"start":561.687,"end":587.816,"text":"包委員我去了解一下再跟您說明看看是到底是什麼問題如果只是一個比如說我們查查的概況我覺得這應該是可以跟委員說明的我還有第三個我要求說我們檢察局 營養局還有包括我們的政區局我們再來以後的這種查核要實質查核啦"},{"start":590.171,"end":616.896,"text":"實質查核才有意義嘛不能說只是隨便看看我們抽減幾樣大金額的實質你自己去查核看看這才能夠了解出到底是出了哪些問題我剛剛講的那個董事兼任來兼任去的這個不迴避利益衝突的40年前"},{"start":618.024,"end":647.196,"text":"那時候你我都還在讀書的時候發生了史上最大的金融案件時信案耶那就是這樣來的啊就是都疏於查核任由他們自己演自己唱結果損失的是我們數百萬人民當時數百萬的投資者他們辛苦的血汗錢耶所以那件事情你看餘波蕩漾的二三十年之久耶"},{"start":648.208,"end":660.121,"text":"好啦 後續我時間到了我希望後續你們打開這個心胸不要跟我回答說這個不能看 那個也不能看 那個也不能看那要立法院幹什麼"}]}},"supported_relations":[],"relations":[]}