| IVOD_ID |
151278 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/151278 |
| 日期 |
2024-04-17 |
| 會議資料.會議代碼 |
委員會-11-1-20-8 |
| 會議資料.會議代碼:str |
第11屆第1會期財政委員會第8次全體委員會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
1 |
| 會議資料.會次 |
8 |
| 會議資料.種類 |
委員會 |
| 會議資料.委員會代碼[0] |
20 |
| 會議資料.委員會代碼:str[0] |
財政委員會 |
| 會議資料.標題 |
第11屆第1會期財政委員會第8次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2024-04-17T11:27:34+08:00 |
| 結束時間 |
2024-04-17T11:40:53+08:00 |
| 影片長度 |
00:13:19 |
| 支援功能[0] |
ai-transcript |
| 支援功能[1] |
gazette |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/cfb4b12132f01627088d082fae3cdcb5cf744a9f110b3b1fc5dab72e655c1c94b5c8fdb204d45c695ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
王世堅 |
| 委員發言時間 |
11:27:34 - 11:40:53 |
| 會議時間 |
2024-04-17T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第1會期財政委員會第8次全體委員會議（事由：邀請金融監督管理委員會黃主任委員天牧、財政部莊部長翠雲、經濟部、行政院消費者保護處就「如何改善我國融資公司因缺乏監管所衍生之社會亂象，以穩定金融市場並保障消費者權益」進行專題報告，並備質詢；另邀請內政部警政署、法務部列席備詢。） |
| gazette.lineno |
685 |
| gazette.blocks[0][0] |
王委員世堅：（11時27分）主席，我請金管會主委、財政部長，還有我們今天來的公營行庫，是不是…… |
| gazette.blocks[1][0] |
主席：有請黃主委、莊部長。所有公股行庫嗎？ |
| gazette.blocks[2][0] |
王委員世堅：公股行庫董事長。 |
| gazette.blocks[3][0] |
主席：所有董事長請起立。 |
| gazette.blocks[4][0] |
王委員世堅：董事長站位置上好了，站位置上，好嗎？麻煩你站著，我等一下馬上要問。 |
| gazette.blocks[5][0] |
主席：先坐著吧，有需要的時候再站起來就好。 |
| gazette.blocks[6][0] |
黃主任委員天牧：委員好。 |
| gazette.blocks[7][0] |
莊部長翠雲：委員好。 |
| gazette.blocks[8][0] |
王委員世堅：黃主委、部長，我所瞭解到的這三大租賃公司中租迪和、和潤跟裕融，他們不但公司都已經股票上市，而且他們貸款給我們社會大眾的其實並不是來自於他們的資金，他們是大量的、大金額的跟我們銀行體系借的，我大概估計，各方面的資料加起來大概五千億。他向我們的銀行體系借了五千億低利貸款，然後放高利貸給我們全體需要的民眾，這才會引起這一次我們會議要討論的主題。這三大租賃公司，我姑且稱之為「薯條三兄弟」啦，關於這薯條三兄弟，我就問那38家銀行哪一些銀行借給他，讓他幹盡這種壞事，結果金管會銀行局答復我，因為民營銀行我們管不著，好啊！所以我們今天就請公營行庫來。公營行庫是個示範，是金融的代表，他要做很多很多的模範給全國的銀行看。莊部長，剛好這八大公營行庫董事長、總經理都是你任命的，我們國家對待這八大公營行庫董事長、總經理，我們待他們不薄，他們每年薪資待遇都很高，因為我們尊重他們的專業，我們希望他們能夠全心全力把我們公營行庫做好，這個待遇我們都沒話講，但是他們做錯事情、該打屁股的時候，部長，你可別心軟、可別手軟。 |
| gazette.blocks[8][1] |
我要請問這八大公營行庫，就我剛剛提的，薯條三兄弟向銀行借了5,000億，我請問你們八大公營行庫，我請八位董事長站起來一下好嗎？我請問你們公營行庫，第九位中國輸出入銀行，一開始我沒把你併入，抱歉！好，九大。我請問你們，有貸款給這三大租賃公司的請舉手。 |
| gazette.blocks[8][2] |
通通有，天啊！各位董事長，我請問你們，銀行貸款給借款方，最重要就是3C（信用、抵押品、還款來源），不是嗎？信用、抵押品就不談了，我就請問你，這三大租賃薯條三兄弟，他們是放高利貸的，結果你借款給他們，他們的還款來源是來自於高利貸，你們知道嗎？我請問你們知道嗎？知道的請舉手。你們都不知道？所以你們也是被薯條三兄弟騙了？你們跟我們千千萬萬的受害民眾一樣，你們也被騙了，是不是？你們把來自於社會大眾辛苦的存款、血汗錢借貸給這些不良的租賃公司，讓他去放高利貸。 |
| gazette.blocks[8][3] |
我上回質詢部長、主委的時候就說，這三大租賃公司叫做有牌的地下錢莊。天啊！這麼優質的九大公營行庫們，你們竟然還默默的、私下的把錢借給他們，這叫助紂為虐，不是嗎？他們的還款來源是來自借款人的血汗錢，他們變相向那些借款的民眾吸血，以高利貸來還給你們。 |
| gazette.blocks[8][4] |
第二點，我現在請問你們九位董事長，你們有錢借給這三大租賃公司，表示你們認定了是一個合理的消費貸款，不是嗎？那你們為什麼不直接把錢借給需要的民眾呢？為什麼？對一般民眾這麼摳，對這三家租賃公司就來個一問三不知！剛剛你們都沒舉手，通通說你們不知道他是放高利貸的，我不相信，是你們縱容他們的，不是嗎？為什麼不把資金直接放款給需要的民眾，為什麼？帶頭的臺銀金控、臺灣銀行董事長呂董事長，請你回答，為什麼？有需要資金的民眾這麼多，尤其是青年朋友們，為什麼九大公營行庫不把資金直接融資給需要的民眾們，而是借款給這三大租賃公司去放高利貸，為什麼？呂董事長，為什麼？ |
| gazette.blocks[9][0] |
呂董事長桔誠：委員好。跟委員報告，所有的租賃公司也扮演一定的金融中介的角色，事實上據我們所知，這裡面百分之九十五的資金都不是大家所顧慮的那些所謂BNPL的放款，而是他有…… |
| gazette.blocks[10][0] |
王委員世堅：我螢幕上放這麼多，很快速，這些怎麼都不是呢？你明知道嘛！ |
| gazette.blocks[11][0] |
呂董事長桔誠：就是說，這個BNPL大概占全體的五個percent，大多數還是在所謂的機器設備或是車輛之類的。 |
| gazette.blocks[12][0] |
王委員世堅：車貸就占了一半之多，你如果看這金額…… |
| gazette.blocks[13][0] |
呂董事長桔誠：車貸…… |
| gazette.blocks[14][0] |
王委員世堅：占了絕大多數！今天我們談到民間的金融公司，其實最主要我們談的是這三大，這三大就占了百分之九十，車貸這麼大的比例金額，你們竟然不曉得！那我就問，你有錢借他們，怎麼不借給民眾？你答復我這一點嘛！借給民眾有這麼困難嗎？ |
| gazette.blocks[15][0] |
呂董事長桔誠：我想每個銀行的業務有它的取向，以銀行而言，能夠做的能量就是…… |
| gazette.blocks[15][1] |
至於車輛的部分，據我所理解…… |
| gazette.blocks[16][0] |
王委員世堅：車輛占2,860億，我實在不想回答你這個金額，為什麼？因為時間有限，你把數字先看清楚了再說，我還說臺銀是模範生，BNPL是280億沒錯，車輛占了總融資6,700億的四成，2,800億；另外法人融資占了一半，3,560億。 |
| gazette.blocks[17][0] |
呂董事長桔誠：您是在講整個市場規模，但是…… |
| gazette.blocks[18][0] |
王委員世堅：對啊、對啊！ |
| gazette.blocks[19][0] |
呂董事長桔誠：但是臺銀大概是…… |
| gazette.blocks[20][0] |
王委員世堅：這拜九大公營行庫之賜，你們通通貸款給他們啊！ |
| gazette.blocks[21][0] |
呂董事長桔誠：這八大公股銀行大概是一千三百出頭億，臺銀本身大概一百七、八十億，而裡面大概只有五個percent是可能有涉及BNPL。 |
| gazette.blocks[22][0] |
王委員世堅：對啦，我知道你貸得不多啦！140億對你們而言就只有一點點。 |
| gazette.blocks[23][0] |
呂董事長桔誠：不、不、不，還是很多。 |
| gazette.blocks[24][0] |
王委員世堅：沒錯，是另外這八大的金額比較大，但是你是帶頭的，所以我問你，好不好？我問你的問題你一直沒回答我，為什麼不直接貸款給民眾？你想清楚再回答我啦！好不好？你私下弄個報告給我，你請回。 |
| gazette.blocks[25][0] |
呂董事長桔誠：我私下再來跟你面對面說明，好不好？ |
| gazette.blocks[26][0] |
王委員世堅：好，面對面說明。 |
| gazette.blocks[27][0] |
呂董事長桔誠：好，謝謝。 |
| gazette.blocks[28][0] |
王委員世堅：數字的部分，我們隔空這樣談都很清楚了啦！面對面時，我希望你給我正面的答復…… |
| gazette.blocks[29][0] |
呂董事長桔誠：委員，我再去看你，然後說明…… |
| gazette.blocks[30][0] |
王委員世堅：希望我們公銀行庫能夠善待需要貸款的民眾們，直接貸款給他們，不需要透過你剛剛講的，你說這薯條三兄弟是金融的仲介，貸款就貸款，大家直來直往就好了，不需要ブローカ（掮客）啦！ブローカ還是吸血的，縱容他們的存在，不是這樣嗎？董事長，我尊重你，你請回。 |
| gazette.blocks[31][0] |
呂董事長桔誠：理解，我們再跟你報告，謝謝。 |
| gazette.blocks[32][0] |
王委員世堅：部長、主委及幾位董事長，你們知不知道這三大的手法有多惡劣？他們現在的貸款，除了汽車貸款以外，他們另外其他的融資就假借商品，假借根本不存在的東西，我舉例比方說，有的餐廳要跟他們融資，他們不能直接貸款給這家餐廳，他就說，你跟我打買賣合約，假的合約喔！買賣什麼？既然是餐廳，不然買賣和牛好了。要借200萬，還要跟他先打一個合約說，我跟你買253萬的和牛，但根本沒有那個東西，是假的！然後第二層皮是什麼？就來了，53萬先扣掉，那是利息，再來80萬的保證金，再來10萬的手續費，和牛根本是假的、沒一個蹤影，這家需要貸款的餐廳就先被扒了三次皮啦！它本身就是那條和牛，被剝了三次皮！這個假的，這樣的貸款總共存在多少？你們去查，我剛剛跟你們講的，借給這些法人融資的，通通是以這樣子的方式。 |
| gazette.blocks[32][1] |
所以主席，我最後再提一句，部長、金管會和九位董事長，你們要注意這樣惡質的租賃公司，他們規避了三大法規：第一個、公司法，因為不能借錢給其他個人；第二個、規避了民法，利息超過百分之十六，契約應該無效；第三個、規避了刑法的重利罪。規避了這三大法規、重大的法律，結果金管會、財政部跟九大公營行庫的董事長、總經理，全然不知還互踢皮球，這就是臺灣民眾的悲哀！我認為這件事情你們沒有好好深思、反省的話，愧對你們的職務。 |
| gazette.blocks[33][0] |
主席：謝謝王世堅委員的質詢。 |
| gazette.blocks[33][1] |
接著請顏寬恒委員質詢。 |
| gazette.agenda.page_end |
148 |
| gazette.agenda.meet_id |
委員會-11-1-20-8 |
| gazette.agenda.speakers[0] |
郭國文 |
| gazette.agenda.speakers[1] |
林德福 |
| gazette.agenda.speakers[2] |
吳秉叡 |
| gazette.agenda.speakers[3] |
賴士葆 |
| gazette.agenda.speakers[4] |
王鴻薇 |
| gazette.agenda.speakers[5] |
黃珊珊 |
| gazette.agenda.speakers[6] |
賴惠員 |
| gazette.agenda.speakers[7] |
李坤城 |
| gazette.agenda.speakers[8] |
李彥秀 |
| gazette.agenda.speakers[9] |
王世堅 |
| gazette.agenda.speakers[10] |
顏寬恒 |
| gazette.agenda.speakers[11] |
陳培瑜 |
| gazette.agenda.speakers[12] |
陳玉珍 |
| gazette.agenda.speakers[13] |
羅明才 |
| gazette.agenda.speakers[14] |
林楚茵 |
| gazette.agenda.speakers[15] |
洪孟楷 |
| gazette.agenda.speakers[16] |
黃國昌 |
| gazette.agenda.speakers[17] |
鄭天財Sra Kacaw |
| gazette.agenda.speakers[18] |
伍麗華Saidhai‧Tahovecahe |
| gazette.agenda.speakers[19] |
鍾佳濱 |
| gazette.agenda.speakers[20] |
吳春城 |
| gazette.agenda.speakers[21] |
陳亭妃 |
| gazette.agenda.speakers[22] |
王定宇 |
| gazette.agenda.speakers[23] |
邱志偉 |
| gazette.agenda.page_start |
81 |
| gazette.agenda.meetingDate[0] |
2024-04-17 |
| gazette.agenda.gazette_id |
1132901 |
| gazette.agenda.agenda_lcidc_ids[0] |
1132901_00004 |
| gazette.agenda.meet_name |
立法院第11屆第1會期財政委員會第8次全體委員會議紀錄 |
| gazette.agenda.content |
邀請金融監督管理委員會黃主任委員天牧、財政部莊部長翠雲、經濟部、行政院消費者保護處就
「如何改善我國融資公司因缺乏監管所衍生之社會亂象，以穩定金融市場並保障消費者權益」進
行專題報告，並備質詢；另邀請內政部警政署、法務部列席備詢 |
| gazette.agenda.agenda_id |
1132901_00003 |
| transcript.pyannote[0].speaker |
SPEAKER_03 |
| transcript.pyannote[0].start |
7.05096875 |
| transcript.pyannote[0].end |
7.35471875 |
| transcript.pyannote[1].speaker |
SPEAKER_03 |
| transcript.pyannote[1].start |
7.77659375 |
| transcript.pyannote[1].end |
8.21534375 |
| transcript.pyannote[2].speaker |
SPEAKER_03 |
| transcript.pyannote[2].start |
8.92409375 |
| transcript.pyannote[2].end |
10.32471875 |
| transcript.pyannote[3].speaker |
SPEAKER_03 |
| transcript.pyannote[3].start |
10.74659375 |
| transcript.pyannote[3].end |
11.64096875 |
| transcript.pyannote[4].speaker |
SPEAKER_00 |
| transcript.pyannote[4].start |
10.81409375 |
| transcript.pyannote[4].end |
11.52284375 |
| transcript.pyannote[5].speaker |
SPEAKER_03 |
| transcript.pyannote[5].start |
11.74221875 |
| transcript.pyannote[5].end |
12.55221875 |
| transcript.pyannote[6].speaker |
SPEAKER_00 |
| transcript.pyannote[6].start |
13.00784375 |
| transcript.pyannote[6].end |
13.37909375 |
| transcript.pyannote[7].speaker |
SPEAKER_03 |
| transcript.pyannote[7].start |
13.61534375 |
| transcript.pyannote[7].end |
16.87221875 |
| transcript.pyannote[8].speaker |
SPEAKER_03 |
| transcript.pyannote[8].start |
17.74971875 |
| transcript.pyannote[8].end |
18.59346875 |
| transcript.pyannote[9].speaker |
SPEAKER_00 |
| transcript.pyannote[9].start |
20.95596875 |
| transcript.pyannote[9].end |
21.95159375 |
| transcript.pyannote[10].speaker |
SPEAKER_03 |
| transcript.pyannote[10].start |
22.39034375 |
| transcript.pyannote[10].end |
23.30159375 |
| transcript.pyannote[11].speaker |
SPEAKER_00 |
| transcript.pyannote[11].start |
25.19159375 |
| transcript.pyannote[11].end |
26.03534375 |
| transcript.pyannote[12].speaker |
SPEAKER_03 |
| transcript.pyannote[12].start |
26.17034375 |
| transcript.pyannote[12].end |
27.23346875 |
| transcript.pyannote[13].speaker |
SPEAKER_00 |
| transcript.pyannote[13].start |
27.75659375 |
| transcript.pyannote[13].end |
28.11096875 |
| transcript.pyannote[14].speaker |
SPEAKER_00 |
| transcript.pyannote[14].start |
28.80284375 |
| transcript.pyannote[14].end |
30.96284375 |
| transcript.pyannote[15].speaker |
SPEAKER_03 |
| transcript.pyannote[15].start |
30.65909375 |
| transcript.pyannote[15].end |
33.89909375 |
| transcript.pyannote[16].speaker |
SPEAKER_00 |
| transcript.pyannote[16].start |
33.89909375 |
| transcript.pyannote[16].end |
34.70909375 |
| transcript.pyannote[17].speaker |
SPEAKER_03 |
| transcript.pyannote[17].start |
34.06784375 |
| transcript.pyannote[17].end |
37.10534375 |
| transcript.pyannote[18].speaker |
SPEAKER_00 |
| transcript.pyannote[18].start |
35.89034375 |
| transcript.pyannote[18].end |
38.75909375 |
| transcript.pyannote[19].speaker |
SPEAKER_03 |
| transcript.pyannote[19].start |
39.85596875 |
| transcript.pyannote[19].end |
40.48034375 |
| transcript.pyannote[20].speaker |
SPEAKER_03 |
| transcript.pyannote[20].start |
41.34096875 |
| transcript.pyannote[20].end |
42.64034375 |
| transcript.pyannote[21].speaker |
SPEAKER_03 |
| transcript.pyannote[21].start |
43.24784375 |
| transcript.pyannote[21].end |
43.95659375 |
| transcript.pyannote[22].speaker |
SPEAKER_03 |
| transcript.pyannote[22].start |
45.42471875 |
| transcript.pyannote[22].end |
46.08284375 |
| transcript.pyannote[23].speaker |
SPEAKER_02 |
| transcript.pyannote[23].start |
46.08284375 |
| transcript.pyannote[23].end |
46.11659375 |
| transcript.pyannote[24].speaker |
SPEAKER_03 |
| transcript.pyannote[24].start |
48.56346875 |
| transcript.pyannote[24].end |
48.58034375 |
| transcript.pyannote[25].speaker |
SPEAKER_02 |
| transcript.pyannote[25].start |
48.58034375 |
| transcript.pyannote[25].end |
50.31846875 |
| transcript.pyannote[26].speaker |
SPEAKER_02 |
| transcript.pyannote[26].start |
51.93846875 |
| transcript.pyannote[26].end |
61.21971875 |
| transcript.pyannote[27].speaker |
SPEAKER_02 |
| transcript.pyannote[27].start |
62.46846875 |
| transcript.pyannote[27].end |
63.14346875 |
| transcript.pyannote[28].speaker |
SPEAKER_02 |
| transcript.pyannote[28].start |
63.36284375 |
| transcript.pyannote[28].end |
70.34909375 |
| transcript.pyannote[29].speaker |
SPEAKER_02 |
| transcript.pyannote[29].start |
70.61909375 |
| transcript.pyannote[29].end |
72.07034375 |
| transcript.pyannote[30].speaker |
SPEAKER_02 |
| transcript.pyannote[30].start |
72.69471875 |
| transcript.pyannote[30].end |
77.89221875 |
| transcript.pyannote[31].speaker |
SPEAKER_02 |
| transcript.pyannote[31].start |
78.49971875 |
| transcript.pyannote[31].end |
85.85721875 |
| transcript.pyannote[32].speaker |
SPEAKER_02 |
| transcript.pyannote[32].start |
86.41409375 |
| transcript.pyannote[32].end |
91.35846875 |
| transcript.pyannote[33].speaker |
SPEAKER_02 |
| transcript.pyannote[33].start |
92.40471875 |
| transcript.pyannote[33].end |
97.80471875 |
| transcript.pyannote[34].speaker |
SPEAKER_02 |
| transcript.pyannote[34].start |
99.08721875 |
| transcript.pyannote[34].end |
101.19659375 |
| transcript.pyannote[35].speaker |
SPEAKER_02 |
| transcript.pyannote[35].start |
101.58471875 |
| transcript.pyannote[35].end |
103.10346875 |
| transcript.pyannote[36].speaker |
SPEAKER_02 |
| transcript.pyannote[36].start |
103.50846875 |
| transcript.pyannote[36].end |
105.14534375 |
| transcript.pyannote[37].speaker |
SPEAKER_02 |
| transcript.pyannote[37].start |
108.33471875 |
| transcript.pyannote[37].end |
117.05909375 |
| transcript.pyannote[38].speaker |
SPEAKER_02 |
| transcript.pyannote[38].start |
117.46409375 |
| transcript.pyannote[38].end |
118.18971875 |
| transcript.pyannote[39].speaker |
SPEAKER_02 |
| transcript.pyannote[39].start |
118.94909375 |
| transcript.pyannote[39].end |
126.07034375 |
| transcript.pyannote[40].speaker |
SPEAKER_02 |
| transcript.pyannote[40].start |
126.32346875 |
| transcript.pyannote[40].end |
128.34846875 |
| transcript.pyannote[41].speaker |
SPEAKER_02 |
| transcript.pyannote[41].start |
129.10784375 |
| transcript.pyannote[41].end |
130.42409375 |
| transcript.pyannote[42].speaker |
SPEAKER_02 |
| transcript.pyannote[42].start |
131.08221875 |
| transcript.pyannote[42].end |
131.70659375 |
| transcript.pyannote[43].speaker |
SPEAKER_02 |
| transcript.pyannote[43].start |
132.88784375 |
| transcript.pyannote[43].end |
134.25471875 |
| transcript.pyannote[44].speaker |
SPEAKER_02 |
| transcript.pyannote[44].start |
134.52471875 |
| transcript.pyannote[44].end |
135.38534375 |
| transcript.pyannote[45].speaker |
SPEAKER_02 |
| transcript.pyannote[45].start |
136.44846875 |
| transcript.pyannote[45].end |
139.45221875 |
| transcript.pyannote[46].speaker |
SPEAKER_02 |
| transcript.pyannote[46].start |
139.72221875 |
| transcript.pyannote[46].end |
140.07659375 |
| transcript.pyannote[47].speaker |
SPEAKER_02 |
| transcript.pyannote[47].start |
140.70096875 |
| transcript.pyannote[47].end |
142.15221875 |
| transcript.pyannote[48].speaker |
SPEAKER_02 |
| transcript.pyannote[48].start |
143.02971875 |
| transcript.pyannote[48].end |
143.62034375 |
| transcript.pyannote[49].speaker |
SPEAKER_02 |
| transcript.pyannote[49].start |
144.07596875 |
| transcript.pyannote[49].end |
144.46409375 |
| transcript.pyannote[50].speaker |
SPEAKER_02 |
| transcript.pyannote[50].start |
144.88596875 |
| transcript.pyannote[50].end |
145.35846875 |
| transcript.pyannote[51].speaker |
SPEAKER_02 |
| transcript.pyannote[51].start |
145.74659375 |
| transcript.pyannote[51].end |
151.55159375 |
| transcript.pyannote[52].speaker |
SPEAKER_02 |
| transcript.pyannote[52].start |
152.42909375 |
| transcript.pyannote[52].end |
155.09534375 |
| transcript.pyannote[53].speaker |
SPEAKER_02 |
| transcript.pyannote[53].start |
155.65221875 |
| transcript.pyannote[53].end |
156.51284375 |
| transcript.pyannote[54].speaker |
SPEAKER_02 |
| transcript.pyannote[54].start |
157.15409375 |
| transcript.pyannote[54].end |
159.83721875 |
| transcript.pyannote[55].speaker |
SPEAKER_02 |
| transcript.pyannote[55].start |
160.56284375 |
| transcript.pyannote[55].end |
163.12784375 |
| transcript.pyannote[56].speaker |
SPEAKER_02 |
| transcript.pyannote[56].start |
163.46534375 |
| transcript.pyannote[56].end |
170.99159375 |
| transcript.pyannote[57].speaker |
SPEAKER_02 |
| transcript.pyannote[57].start |
171.32909375 |
| transcript.pyannote[57].end |
173.03346875 |
| transcript.pyannote[58].speaker |
SPEAKER_02 |
| transcript.pyannote[58].start |
173.62409375 |
| transcript.pyannote[58].end |
175.42971875 |
| transcript.pyannote[59].speaker |
SPEAKER_02 |
| transcript.pyannote[59].start |
176.32409375 |
| transcript.pyannote[59].end |
177.87659375 |
| transcript.pyannote[60].speaker |
SPEAKER_02 |
| transcript.pyannote[60].start |
178.46721875 |
| transcript.pyannote[60].end |
179.07471875 |
| transcript.pyannote[61].speaker |
SPEAKER_02 |
| transcript.pyannote[61].start |
179.80034375 |
| transcript.pyannote[61].end |
182.19659375 |
| transcript.pyannote[62].speaker |
SPEAKER_02 |
| transcript.pyannote[62].start |
182.66909375 |
| transcript.pyannote[62].end |
185.85846875 |
| transcript.pyannote[63].speaker |
SPEAKER_02 |
| transcript.pyannote[63].start |
186.07784375 |
| transcript.pyannote[63].end |
187.27596875 |
| transcript.pyannote[64].speaker |
SPEAKER_02 |
| transcript.pyannote[64].start |
188.60909375 |
| transcript.pyannote[64].end |
192.42284375 |
| transcript.pyannote[65].speaker |
SPEAKER_02 |
| transcript.pyannote[65].start |
193.08096875 |
| transcript.pyannote[65].end |
195.37596875 |
| transcript.pyannote[66].speaker |
SPEAKER_02 |
| transcript.pyannote[66].start |
196.32096875 |
| transcript.pyannote[66].end |
196.99596875 |
| transcript.pyannote[67].speaker |
SPEAKER_02 |
| transcript.pyannote[67].start |
197.16471875 |
| transcript.pyannote[67].end |
199.51034375 |
| transcript.pyannote[68].speaker |
SPEAKER_02 |
| transcript.pyannote[68].start |
203.57721875 |
| transcript.pyannote[68].end |
205.16346875 |
| transcript.pyannote[69].speaker |
SPEAKER_02 |
| transcript.pyannote[69].start |
207.55971875 |
| transcript.pyannote[69].end |
208.35284375 |
| transcript.pyannote[70].speaker |
SPEAKER_02 |
| transcript.pyannote[70].start |
209.41596875 |
| transcript.pyannote[70].end |
210.98534375 |
| transcript.pyannote[71].speaker |
SPEAKER_02 |
| transcript.pyannote[71].start |
211.22159375 |
| transcript.pyannote[71].end |
213.14534375 |
| transcript.pyannote[72].speaker |
SPEAKER_02 |
| transcript.pyannote[72].start |
213.55034375 |
| transcript.pyannote[72].end |
214.07346875 |
| transcript.pyannote[73].speaker |
SPEAKER_02 |
| transcript.pyannote[73].start |
214.68096875 |
| transcript.pyannote[73].end |
215.10284375 |
| transcript.pyannote[74].speaker |
SPEAKER_02 |
| transcript.pyannote[74].start |
215.98034375 |
| transcript.pyannote[74].end |
216.63846875 |
| transcript.pyannote[75].speaker |
SPEAKER_02 |
| transcript.pyannote[75].start |
218.51159375 |
| transcript.pyannote[75].end |
219.49034375 |
| transcript.pyannote[76].speaker |
SPEAKER_02 |
| transcript.pyannote[76].start |
221.11034375 |
| transcript.pyannote[76].end |
224.87346875 |
| transcript.pyannote[77].speaker |
SPEAKER_02 |
| transcript.pyannote[77].start |
225.24471875 |
| transcript.pyannote[77].end |
225.98721875 |
| transcript.pyannote[78].speaker |
SPEAKER_02 |
| transcript.pyannote[78].start |
228.99096875 |
| transcript.pyannote[78].end |
229.78409375 |
| transcript.pyannote[79].speaker |
SPEAKER_02 |
| transcript.pyannote[79].start |
230.83034375 |
| transcript.pyannote[79].end |
231.70784375 |
| transcript.pyannote[80].speaker |
SPEAKER_02 |
| transcript.pyannote[80].start |
236.53409375 |
| transcript.pyannote[80].end |
237.34409375 |
| transcript.pyannote[81].speaker |
SPEAKER_02 |
| transcript.pyannote[81].start |
237.66471875 |
| transcript.pyannote[81].end |
238.40721875 |
| transcript.pyannote[82].speaker |
SPEAKER_02 |
| transcript.pyannote[82].start |
239.28471875 |
| transcript.pyannote[82].end |
240.26346875 |
| transcript.pyannote[83].speaker |
SPEAKER_02 |
| transcript.pyannote[83].start |
242.06909375 |
| transcript.pyannote[83].end |
242.98034375 |
| transcript.pyannote[84].speaker |
SPEAKER_02 |
| transcript.pyannote[84].start |
243.18284375 |
| transcript.pyannote[84].end |
244.68471875 |
| transcript.pyannote[85].speaker |
SPEAKER_02 |
| transcript.pyannote[85].start |
245.93346875 |
| transcript.pyannote[85].end |
246.20346875 |
| transcript.pyannote[86].speaker |
SPEAKER_02 |
| transcript.pyannote[86].start |
247.18221875 |
| transcript.pyannote[86].end |
247.75596875 |
| transcript.pyannote[87].speaker |
SPEAKER_02 |
| transcript.pyannote[87].start |
248.90346875 |
| transcript.pyannote[87].end |
249.52784375 |
| transcript.pyannote[88].speaker |
SPEAKER_02 |
| transcript.pyannote[88].start |
249.81471875 |
| transcript.pyannote[88].end |
251.01284375 |
| transcript.pyannote[89].speaker |
SPEAKER_02 |
| transcript.pyannote[89].start |
251.60346875 |
| transcript.pyannote[89].end |
252.05909375 |
| transcript.pyannote[90].speaker |
SPEAKER_02 |
| transcript.pyannote[90].start |
253.81409375 |
| transcript.pyannote[90].end |
255.19784375 |
| transcript.pyannote[91].speaker |
SPEAKER_02 |
| transcript.pyannote[91].start |
256.26096875 |
| transcript.pyannote[91].end |
257.08784375 |
| transcript.pyannote[92].speaker |
SPEAKER_02 |
| transcript.pyannote[92].start |
258.84284375 |
| transcript.pyannote[92].end |
270.77346875 |
| transcript.pyannote[93].speaker |
SPEAKER_02 |
| transcript.pyannote[93].start |
271.80284375 |
| transcript.pyannote[93].end |
272.95034375 |
| transcript.pyannote[94].speaker |
SPEAKER_02 |
| transcript.pyannote[94].start |
273.82784375 |
| transcript.pyannote[94].end |
274.90784375 |
| transcript.pyannote[95].speaker |
SPEAKER_02 |
| transcript.pyannote[95].start |
275.71784375 |
| transcript.pyannote[95].end |
276.69659375 |
| transcript.pyannote[96].speaker |
SPEAKER_02 |
| transcript.pyannote[96].start |
278.55284375 |
| transcript.pyannote[96].end |
279.36284375 |
| transcript.pyannote[97].speaker |
SPEAKER_02 |
| transcript.pyannote[97].start |
281.25284375 |
| transcript.pyannote[97].end |
283.71659375 |
| transcript.pyannote[98].speaker |
SPEAKER_02 |
| transcript.pyannote[98].start |
285.92721875 |
| transcript.pyannote[98].end |
291.64784375 |
| transcript.pyannote[99].speaker |
SPEAKER_02 |
| transcript.pyannote[99].start |
293.21721875 |
| transcript.pyannote[99].end |
297.38534375 |
| transcript.pyannote[100].speaker |
SPEAKER_02 |
| transcript.pyannote[100].start |
297.65534375 |
| transcript.pyannote[100].end |
298.58346875 |
| transcript.pyannote[101].speaker |
SPEAKER_02 |
| transcript.pyannote[101].start |
299.17409375 |
| transcript.pyannote[101].end |
302.31284375 |
| transcript.pyannote[102].speaker |
SPEAKER_02 |
| transcript.pyannote[102].start |
303.00471875 |
| transcript.pyannote[102].end |
304.33784375 |
| transcript.pyannote[103].speaker |
SPEAKER_02 |
| transcript.pyannote[103].start |
305.43471875 |
| transcript.pyannote[103].end |
307.13909375 |
| transcript.pyannote[104].speaker |
SPEAKER_02 |
| transcript.pyannote[104].start |
307.71284375 |
| transcript.pyannote[104].end |
308.82659375 |
| transcript.pyannote[105].speaker |
SPEAKER_02 |
| transcript.pyannote[105].start |
310.44659375 |
| transcript.pyannote[105].end |
312.87659375 |
| transcript.pyannote[106].speaker |
SPEAKER_02 |
| transcript.pyannote[106].start |
313.28159375 |
| transcript.pyannote[106].end |
316.99409375 |
| transcript.pyannote[107].speaker |
SPEAKER_02 |
| transcript.pyannote[107].start |
317.77034375 |
| transcript.pyannote[107].end |
318.36096875 |
| transcript.pyannote[108].speaker |
SPEAKER_02 |
| transcript.pyannote[108].start |
320.09909375 |
| transcript.pyannote[108].end |
321.33096875 |
| transcript.pyannote[109].speaker |
SPEAKER_02 |
| transcript.pyannote[109].start |
322.52909375 |
| transcript.pyannote[109].end |
324.35159375 |
| transcript.pyannote[110].speaker |
SPEAKER_02 |
| transcript.pyannote[110].start |
325.02659375 |
| transcript.pyannote[110].end |
326.39346875 |
| transcript.pyannote[111].speaker |
SPEAKER_02 |
| transcript.pyannote[111].start |
327.76034375 |
| transcript.pyannote[111].end |
329.88659375 |
| transcript.pyannote[112].speaker |
SPEAKER_02 |
| transcript.pyannote[112].start |
330.54471875 |
| transcript.pyannote[112].end |
331.86096875 |
| transcript.pyannote[113].speaker |
SPEAKER_02 |
| transcript.pyannote[113].start |
332.68784375 |
| transcript.pyannote[113].end |
335.74221875 |
| transcript.pyannote[114].speaker |
SPEAKER_02 |
| transcript.pyannote[114].start |
337.64909375 |
| transcript.pyannote[114].end |
339.11721875 |
| transcript.pyannote[115].speaker |
SPEAKER_02 |
| transcript.pyannote[115].start |
339.96096875 |
| transcript.pyannote[115].end |
341.56409375 |
| transcript.pyannote[116].speaker |
SPEAKER_02 |
| transcript.pyannote[116].start |
342.67784375 |
| transcript.pyannote[116].end |
345.00659375 |
| transcript.pyannote[117].speaker |
SPEAKER_02 |
| transcript.pyannote[117].start |
345.78284375 |
| transcript.pyannote[117].end |
348.51659375 |
| transcript.pyannote[118].speaker |
SPEAKER_02 |
| transcript.pyannote[118].start |
349.44471875 |
| transcript.pyannote[118].end |
351.43596875 |
| transcript.pyannote[119].speaker |
SPEAKER_02 |
| transcript.pyannote[119].start |
353.08971875 |
| transcript.pyannote[119].end |
354.20346875 |
| transcript.pyannote[120].speaker |
SPEAKER_02 |
| transcript.pyannote[120].start |
355.18221875 |
| transcript.pyannote[120].end |
356.16096875 |
| transcript.pyannote[121].speaker |
SPEAKER_02 |
| transcript.pyannote[121].start |
357.12284375 |
| transcript.pyannote[121].end |
359.83971875 |
| transcript.pyannote[122].speaker |
SPEAKER_02 |
| transcript.pyannote[122].start |
361.40909375 |
| transcript.pyannote[122].end |
362.79284375 |
| transcript.pyannote[123].speaker |
SPEAKER_02 |
| transcript.pyannote[123].start |
363.11346875 |
| transcript.pyannote[123].end |
364.98659375 |
| transcript.pyannote[124].speaker |
SPEAKER_02 |
| transcript.pyannote[124].start |
366.03284375 |
| transcript.pyannote[124].end |
371.97284375 |
| transcript.pyannote[125].speaker |
SPEAKER_02 |
| transcript.pyannote[125].start |
373.49159375 |
| transcript.pyannote[125].end |
375.06096875 |
| transcript.pyannote[126].speaker |
SPEAKER_02 |
| transcript.pyannote[126].start |
377.03534375 |
| transcript.pyannote[126].end |
378.65534375 |
| transcript.pyannote[127].speaker |
SPEAKER_02 |
| transcript.pyannote[127].start |
379.81971875 |
| transcript.pyannote[127].end |
380.15721875 |
| transcript.pyannote[128].speaker |
SPEAKER_02 |
| transcript.pyannote[128].start |
380.61284375 |
| transcript.pyannote[128].end |
382.14846875 |
| transcript.pyannote[129].speaker |
SPEAKER_02 |
| transcript.pyannote[129].start |
385.05096875 |
| transcript.pyannote[129].end |
386.87346875 |
| transcript.pyannote[130].speaker |
SPEAKER_02 |
| transcript.pyannote[130].start |
387.00846875 |
| transcript.pyannote[130].end |
387.49784375 |
| transcript.pyannote[131].speaker |
SPEAKER_02 |
| transcript.pyannote[131].start |
387.81846875 |
| transcript.pyannote[131].end |
389.80971875 |
| transcript.pyannote[132].speaker |
SPEAKER_02 |
| transcript.pyannote[132].start |
392.17221875 |
| transcript.pyannote[132].end |
392.94846875 |
| transcript.pyannote[133].speaker |
SPEAKER_02 |
| transcript.pyannote[133].start |
393.26909375 |
| transcript.pyannote[133].end |
395.22659375 |
| transcript.pyannote[134].speaker |
SPEAKER_02 |
| transcript.pyannote[134].start |
397.92659375 |
| transcript.pyannote[134].end |
398.68596875 |
| transcript.pyannote[135].speaker |
SPEAKER_02 |
| transcript.pyannote[135].start |
399.10784375 |
| transcript.pyannote[135].end |
404.18721875 |
| transcript.pyannote[136].speaker |
SPEAKER_02 |
| transcript.pyannote[136].start |
405.35159375 |
| transcript.pyannote[136].end |
406.06034375 |
| transcript.pyannote[137].speaker |
SPEAKER_02 |
| transcript.pyannote[137].start |
406.97159375 |
| transcript.pyannote[137].end |
407.81534375 |
| transcript.pyannote[138].speaker |
SPEAKER_02 |
| transcript.pyannote[138].start |
408.42284375 |
| transcript.pyannote[138].end |
408.79409375 |
| transcript.pyannote[139].speaker |
SPEAKER_02 |
| transcript.pyannote[139].start |
409.70534375 |
| transcript.pyannote[139].end |
410.61659375 |
| transcript.pyannote[140].speaker |
SPEAKER_02 |
| transcript.pyannote[140].start |
410.90346875 |
| transcript.pyannote[140].end |
411.59534375 |
| transcript.pyannote[141].speaker |
SPEAKER_02 |
| transcript.pyannote[141].start |
413.08034375 |
| transcript.pyannote[141].end |
413.83971875 |
| transcript.pyannote[142].speaker |
SPEAKER_02 |
| transcript.pyannote[142].start |
414.34596875 |
| transcript.pyannote[142].end |
415.45971875 |
| transcript.pyannote[143].speaker |
SPEAKER_02 |
| transcript.pyannote[143].start |
418.64909375 |
| transcript.pyannote[143].end |
420.70784375 |
| transcript.pyannote[144].speaker |
SPEAKER_02 |
| transcript.pyannote[144].start |
421.43346875 |
| transcript.pyannote[144].end |
422.73284375 |
| transcript.pyannote[145].speaker |
SPEAKER_02 |
| transcript.pyannote[145].start |
423.39096875 |
| transcript.pyannote[145].end |
424.47096875 |
| transcript.pyannote[146].speaker |
SPEAKER_02 |
| transcript.pyannote[146].start |
425.19659375 |
| transcript.pyannote[146].end |
435.77721875 |
| transcript.pyannote[147].speaker |
SPEAKER_01 |
| transcript.pyannote[147].start |
437.65034375 |
| transcript.pyannote[147].end |
437.85284375 |
| transcript.pyannote[148].speaker |
SPEAKER_02 |
| transcript.pyannote[148].start |
437.85284375 |
| transcript.pyannote[148].end |
437.86971875 |
| transcript.pyannote[149].speaker |
SPEAKER_01 |
| transcript.pyannote[149].start |
437.86971875 |
| transcript.pyannote[149].end |
437.88659375 |
| transcript.pyannote[150].speaker |
SPEAKER_02 |
| transcript.pyannote[150].start |
437.88659375 |
| transcript.pyannote[150].end |
438.03846875 |
| transcript.pyannote[151].speaker |
SPEAKER_01 |
| transcript.pyannote[151].start |
438.03846875 |
| transcript.pyannote[151].end |
438.74721875 |
| transcript.pyannote[152].speaker |
SPEAKER_01 |
| transcript.pyannote[152].start |
439.79346875 |
| transcript.pyannote[152].end |
463.97534375 |
| transcript.pyannote[153].speaker |
SPEAKER_02 |
| transcript.pyannote[153].start |
462.45659375 |
| transcript.pyannote[153].end |
468.02534375 |
| transcript.pyannote[154].speaker |
SPEAKER_01 |
| transcript.pyannote[154].start |
468.02534375 |
| transcript.pyannote[154].end |
468.73409375 |
| transcript.pyannote[155].speaker |
SPEAKER_02 |
| transcript.pyannote[155].start |
468.73409375 |
| transcript.pyannote[155].end |
468.76784375 |
| transcript.pyannote[156].speaker |
SPEAKER_01 |
| transcript.pyannote[156].start |
469.32471875 |
| transcript.pyannote[156].end |
480.96846875 |
| transcript.pyannote[157].speaker |
SPEAKER_02 |
| transcript.pyannote[157].start |
479.56784375 |
| transcript.pyannote[157].end |
479.77034375 |
| transcript.pyannote[158].speaker |
SPEAKER_02 |
| transcript.pyannote[158].start |
479.90534375 |
| transcript.pyannote[158].end |
480.09096875 |
| transcript.pyannote[159].speaker |
SPEAKER_02 |
| transcript.pyannote[159].start |
480.96846875 |
| transcript.pyannote[159].end |
488.44409375 |
| transcript.pyannote[160].speaker |
SPEAKER_02 |
| transcript.pyannote[160].start |
488.76471875 |
| transcript.pyannote[160].end |
489.49034375 |
| transcript.pyannote[161].speaker |
SPEAKER_02 |
| transcript.pyannote[161].start |
490.70534375 |
| transcript.pyannote[161].end |
497.86034375 |
| transcript.pyannote[162].speaker |
SPEAKER_02 |
| transcript.pyannote[162].start |
498.38346875 |
| transcript.pyannote[162].end |
502.09596875 |
| transcript.pyannote[163].speaker |
SPEAKER_02 |
| transcript.pyannote[163].start |
503.00721875 |
| transcript.pyannote[163].end |
507.19221875 |
| transcript.pyannote[164].speaker |
SPEAKER_01 |
| transcript.pyannote[164].start |
503.02409375 |
| transcript.pyannote[164].end |
503.47971875 |
| transcript.pyannote[165].speaker |
SPEAKER_02 |
| transcript.pyannote[165].start |
507.79971875 |
| transcript.pyannote[165].end |
509.60534375 |
| transcript.pyannote[166].speaker |
SPEAKER_01 |
| transcript.pyannote[166].start |
510.98909375 |
| transcript.pyannote[166].end |
523.22346875 |
| transcript.pyannote[167].speaker |
SPEAKER_02 |
| transcript.pyannote[167].start |
522.09284375 |
| transcript.pyannote[167].end |
533.48346875 |
| transcript.pyannote[168].speaker |
SPEAKER_02 |
| transcript.pyannote[168].start |
535.05284375 |
| transcript.pyannote[168].end |
545.76846875 |
| transcript.pyannote[169].speaker |
SPEAKER_01 |
| transcript.pyannote[169].start |
535.20471875 |
| transcript.pyannote[169].end |
535.33971875 |
| transcript.pyannote[170].speaker |
SPEAKER_01 |
| transcript.pyannote[170].start |
543.64221875 |
| transcript.pyannote[170].end |
543.94596875 |
| transcript.pyannote[171].speaker |
SPEAKER_02 |
| transcript.pyannote[171].start |
545.93721875 |
| transcript.pyannote[171].end |
547.27034375 |
| transcript.pyannote[172].speaker |
SPEAKER_01 |
| transcript.pyannote[172].start |
546.03846875 |
| transcript.pyannote[172].end |
548.95784375 |
| transcript.pyannote[173].speaker |
SPEAKER_02 |
| transcript.pyannote[173].start |
548.95784375 |
| transcript.pyannote[173].end |
549.83534375 |
| transcript.pyannote[174].speaker |
SPEAKER_01 |
| transcript.pyannote[174].start |
549.41346875 |
| transcript.pyannote[174].end |
549.76784375 |
| transcript.pyannote[175].speaker |
SPEAKER_01 |
| transcript.pyannote[175].start |
549.83534375 |
| transcript.pyannote[175].end |
552.02909375 |
| transcript.pyannote[176].speaker |
SPEAKER_01 |
| transcript.pyannote[176].start |
552.34971875 |
| transcript.pyannote[176].end |
556.04534375 |
| transcript.pyannote[177].speaker |
SPEAKER_01 |
| transcript.pyannote[177].start |
556.21409375 |
| transcript.pyannote[177].end |
571.89096875 |
| transcript.pyannote[178].speaker |
SPEAKER_02 |
| transcript.pyannote[178].start |
569.91659375 |
| transcript.pyannote[178].end |
570.77721875 |
| transcript.pyannote[179].speaker |
SPEAKER_02 |
| transcript.pyannote[179].start |
571.89096875 |
| transcript.pyannote[179].end |
571.90784375 |
| transcript.pyannote[180].speaker |
SPEAKER_01 |
| transcript.pyannote[180].start |
571.90784375 |
| transcript.pyannote[180].end |
571.92471875 |
| transcript.pyannote[181].speaker |
SPEAKER_02 |
| transcript.pyannote[181].start |
571.92471875 |
| transcript.pyannote[181].end |
571.94159375 |
| transcript.pyannote[182].speaker |
SPEAKER_01 |
| transcript.pyannote[182].start |
571.94159375 |
| transcript.pyannote[182].end |
571.95846875 |
| transcript.pyannote[183].speaker |
SPEAKER_02 |
| transcript.pyannote[183].start |
571.95846875 |
| transcript.pyannote[183].end |
574.60784375 |
| transcript.pyannote[184].speaker |
SPEAKER_01 |
| transcript.pyannote[184].start |
572.92034375 |
| transcript.pyannote[184].end |
574.97909375 |
| transcript.pyannote[185].speaker |
SPEAKER_02 |
| transcript.pyannote[185].start |
575.45159375 |
| transcript.pyannote[185].end |
577.78034375 |
| transcript.pyannote[186].speaker |
SPEAKER_02 |
| transcript.pyannote[186].start |
578.53971875 |
| transcript.pyannote[186].end |
579.38346875 |
| transcript.pyannote[187].speaker |
SPEAKER_02 |
| transcript.pyannote[187].start |
579.70409375 |
| transcript.pyannote[187].end |
589.69409375 |
| transcript.pyannote[188].speaker |
SPEAKER_02 |
| transcript.pyannote[188].start |
590.16659375 |
| transcript.pyannote[188].end |
595.24596875 |
| transcript.pyannote[189].speaker |
SPEAKER_01 |
| transcript.pyannote[189].start |
594.85784375 |
| transcript.pyannote[189].end |
598.40159375 |
| transcript.pyannote[190].speaker |
SPEAKER_02 |
| transcript.pyannote[190].start |
595.26284375 |
| transcript.pyannote[190].end |
595.27971875 |
| transcript.pyannote[191].speaker |
SPEAKER_02 |
| transcript.pyannote[191].start |
597.91221875 |
| transcript.pyannote[191].end |
598.58721875 |
| transcript.pyannote[192].speaker |
SPEAKER_01 |
| transcript.pyannote[192].start |
598.58721875 |
| transcript.pyannote[192].end |
598.65471875 |
| transcript.pyannote[193].speaker |
SPEAKER_02 |
| transcript.pyannote[193].start |
598.65471875 |
| transcript.pyannote[193].end |
598.68846875 |
| transcript.pyannote[194].speaker |
SPEAKER_01 |
| transcript.pyannote[194].start |
598.68846875 |
| transcript.pyannote[194].end |
598.77284375 |
| transcript.pyannote[195].speaker |
SPEAKER_02 |
| transcript.pyannote[195].start |
598.77284375 |
| transcript.pyannote[195].end |
598.87409375 |
| transcript.pyannote[196].speaker |
SPEAKER_01 |
| transcript.pyannote[196].start |
598.87409375 |
| transcript.pyannote[196].end |
599.76846875 |
| transcript.pyannote[197].speaker |
SPEAKER_02 |
| transcript.pyannote[197].start |
599.29596875 |
| transcript.pyannote[197].end |
600.44346875 |
| transcript.pyannote[198].speaker |
SPEAKER_02 |
| transcript.pyannote[198].start |
600.88221875 |
| transcript.pyannote[198].end |
612.34034375 |
| transcript.pyannote[199].speaker |
SPEAKER_01 |
| transcript.pyannote[199].start |
604.27409375 |
| transcript.pyannote[199].end |
608.67846875 |
| transcript.pyannote[200].speaker |
SPEAKER_01 |
| transcript.pyannote[200].start |
609.38721875 |
| transcript.pyannote[200].end |
609.57284375 |
| transcript.pyannote[201].speaker |
SPEAKER_02 |
| transcript.pyannote[201].start |
612.77909375 |
| transcript.pyannote[201].end |
618.02721875 |
| transcript.pyannote[202].speaker |
SPEAKER_02 |
| transcript.pyannote[202].start |
618.26346875 |
| transcript.pyannote[202].end |
618.41534375 |
| transcript.pyannote[203].speaker |
SPEAKER_02 |
| transcript.pyannote[203].start |
618.60096875 |
| transcript.pyannote[203].end |
622.00971875 |
| transcript.pyannote[204].speaker |
SPEAKER_02 |
| transcript.pyannote[204].start |
622.95471875 |
| transcript.pyannote[204].end |
624.08534375 |
| transcript.pyannote[205].speaker |
SPEAKER_02 |
| transcript.pyannote[205].start |
624.50721875 |
| transcript.pyannote[205].end |
627.86534375 |
| transcript.pyannote[206].speaker |
SPEAKER_02 |
| transcript.pyannote[206].start |
628.13534375 |
| transcript.pyannote[206].end |
630.24471875 |
| transcript.pyannote[207].speaker |
SPEAKER_02 |
| transcript.pyannote[207].start |
630.75096875 |
| transcript.pyannote[207].end |
634.71659375 |
| transcript.pyannote[208].speaker |
SPEAKER_01 |
| transcript.pyannote[208].start |
633.95721875 |
| transcript.pyannote[208].end |
637.06221875 |
| transcript.pyannote[209].speaker |
SPEAKER_02 |
| transcript.pyannote[209].start |
636.13409375 |
| transcript.pyannote[209].end |
636.64034375 |
| transcript.pyannote[210].speaker |
SPEAKER_02 |
| transcript.pyannote[210].start |
636.84284375 |
| transcript.pyannote[210].end |
637.50096875 |
| transcript.pyannote[211].speaker |
SPEAKER_02 |
| transcript.pyannote[211].start |
638.27721875 |
| transcript.pyannote[211].end |
638.68221875 |
| transcript.pyannote[212].speaker |
SPEAKER_02 |
| transcript.pyannote[212].start |
639.17159375 |
| transcript.pyannote[212].end |
639.57659375 |
| transcript.pyannote[213].speaker |
SPEAKER_02 |
| transcript.pyannote[213].start |
640.11659375 |
| transcript.pyannote[213].end |
640.79159375 |
| transcript.pyannote[214].speaker |
SPEAKER_02 |
| transcript.pyannote[214].start |
641.14596875 |
| transcript.pyannote[214].end |
641.70284375 |
| transcript.pyannote[215].speaker |
SPEAKER_02 |
| transcript.pyannote[215].start |
642.86721875 |
| transcript.pyannote[215].end |
648.97596875 |
| transcript.pyannote[216].speaker |
SPEAKER_02 |
| transcript.pyannote[216].start |
649.70159375 |
| transcript.pyannote[216].end |
657.95346875 |
| transcript.pyannote[217].speaker |
SPEAKER_02 |
| transcript.pyannote[217].start |
659.13471875 |
| transcript.pyannote[217].end |
663.53909375 |
| transcript.pyannote[218].speaker |
SPEAKER_02 |
| transcript.pyannote[218].start |
664.09596875 |
| transcript.pyannote[218].end |
664.73721875 |
| transcript.pyannote[219].speaker |
SPEAKER_02 |
| transcript.pyannote[219].start |
665.47971875 |
| transcript.pyannote[219].end |
667.52159375 |
| transcript.pyannote[220].speaker |
SPEAKER_02 |
| transcript.pyannote[220].start |
668.19659375 |
| transcript.pyannote[220].end |
669.88409375 |
| transcript.pyannote[221].speaker |
SPEAKER_02 |
| transcript.pyannote[221].start |
670.55909375 |
| transcript.pyannote[221].end |
671.04846875 |
| transcript.pyannote[222].speaker |
SPEAKER_02 |
| transcript.pyannote[222].start |
671.65596875 |
| transcript.pyannote[222].end |
676.58346875 |
| transcript.pyannote[223].speaker |
SPEAKER_02 |
| transcript.pyannote[223].start |
677.42721875 |
| transcript.pyannote[223].end |
677.76471875 |
| transcript.pyannote[224].speaker |
SPEAKER_02 |
| transcript.pyannote[224].start |
677.91659375 |
| transcript.pyannote[224].end |
681.89909375 |
| transcript.pyannote[225].speaker |
SPEAKER_02 |
| transcript.pyannote[225].start |
682.62471875 |
| transcript.pyannote[225].end |
683.13096875 |
| transcript.pyannote[226].speaker |
SPEAKER_02 |
| transcript.pyannote[226].start |
683.75534375 |
| transcript.pyannote[226].end |
686.70846875 |
| transcript.pyannote[227].speaker |
SPEAKER_02 |
| transcript.pyannote[227].start |
687.24846875 |
| transcript.pyannote[227].end |
688.98659375 |
| transcript.pyannote[228].speaker |
SPEAKER_02 |
| transcript.pyannote[228].start |
689.49284375 |
| transcript.pyannote[228].end |
690.50534375 |
| transcript.pyannote[229].speaker |
SPEAKER_02 |
| transcript.pyannote[229].start |
691.73721875 |
| transcript.pyannote[229].end |
694.28534375 |
| transcript.pyannote[230].speaker |
SPEAKER_02 |
| transcript.pyannote[230].start |
694.65659375 |
| transcript.pyannote[230].end |
702.70596875 |
| transcript.pyannote[231].speaker |
SPEAKER_02 |
| transcript.pyannote[231].start |
703.06034375 |
| transcript.pyannote[231].end |
705.81096875 |
| transcript.pyannote[232].speaker |
SPEAKER_02 |
| transcript.pyannote[232].start |
706.90784375 |
| transcript.pyannote[232].end |
709.45596875 |
| transcript.pyannote[233].speaker |
SPEAKER_02 |
| transcript.pyannote[233].start |
710.87346875 |
| transcript.pyannote[233].end |
713.53971875 |
| transcript.pyannote[234].speaker |
SPEAKER_02 |
| transcript.pyannote[234].start |
714.34971875 |
| transcript.pyannote[234].end |
718.50096875 |
| transcript.pyannote[235].speaker |
SPEAKER_02 |
| transcript.pyannote[235].start |
719.88471875 |
| transcript.pyannote[235].end |
720.64409375 |
| transcript.pyannote[236].speaker |
SPEAKER_02 |
| transcript.pyannote[236].start |
721.53846875 |
| transcript.pyannote[236].end |
722.78721875 |
| transcript.pyannote[237].speaker |
SPEAKER_02 |
| transcript.pyannote[237].start |
723.14159375 |
| transcript.pyannote[237].end |
724.67721875 |
| transcript.pyannote[238].speaker |
SPEAKER_02 |
| transcript.pyannote[238].start |
725.41971875 |
| transcript.pyannote[238].end |
726.06096875 |
| transcript.pyannote[239].speaker |
SPEAKER_02 |
| transcript.pyannote[239].start |
726.51659375 |
| transcript.pyannote[239].end |
727.20846875 |
| transcript.pyannote[240].speaker |
SPEAKER_02 |
| transcript.pyannote[240].start |
727.52909375 |
| transcript.pyannote[240].end |
728.72721875 |
| transcript.pyannote[241].speaker |
SPEAKER_02 |
| transcript.pyannote[241].start |
730.11096875 |
| transcript.pyannote[241].end |
732.05159375 |
| transcript.pyannote[242].speaker |
SPEAKER_02 |
| transcript.pyannote[242].start |
732.32159375 |
| transcript.pyannote[242].end |
734.43096875 |
| transcript.pyannote[243].speaker |
SPEAKER_02 |
| transcript.pyannote[243].start |
735.10596875 |
| transcript.pyannote[243].end |
737.75534375 |
| transcript.pyannote[244].speaker |
SPEAKER_02 |
| transcript.pyannote[244].start |
738.86909375 |
| transcript.pyannote[244].end |
739.27409375 |
| transcript.pyannote[245].speaker |
SPEAKER_02 |
| transcript.pyannote[245].start |
739.72971875 |
| transcript.pyannote[245].end |
740.72534375 |
| transcript.pyannote[246].speaker |
SPEAKER_02 |
| transcript.pyannote[246].start |
741.78846875 |
| transcript.pyannote[246].end |
743.30721875 |
| transcript.pyannote[247].speaker |
SPEAKER_02 |
| transcript.pyannote[247].start |
743.99909375 |
| transcript.pyannote[247].end |
750.14159375 |
| transcript.pyannote[248].speaker |
SPEAKER_02 |
| transcript.pyannote[248].start |
750.90096875 |
| transcript.pyannote[248].end |
752.14971875 |
| transcript.pyannote[249].speaker |
SPEAKER_02 |
| transcript.pyannote[249].start |
752.68971875 |
| transcript.pyannote[249].end |
753.06096875 |
| transcript.pyannote[250].speaker |
SPEAKER_02 |
| transcript.pyannote[250].start |
753.38159375 |
| transcript.pyannote[250].end |
756.43596875 |
| transcript.pyannote[251].speaker |
SPEAKER_02 |
| transcript.pyannote[251].start |
757.02659375 |
| transcript.pyannote[251].end |
766.71284375 |
| transcript.pyannote[252].speaker |
SPEAKER_02 |
| transcript.pyannote[252].start |
767.62409375 |
| transcript.pyannote[252].end |
768.78846875 |
| transcript.pyannote[253].speaker |
SPEAKER_02 |
| transcript.pyannote[253].start |
769.37909375 |
| transcript.pyannote[253].end |
770.32409375 |
| transcript.pyannote[254].speaker |
SPEAKER_02 |
| transcript.pyannote[254].start |
770.79659375 |
| transcript.pyannote[254].end |
771.20159375 |
| transcript.pyannote[255].speaker |
SPEAKER_02 |
| transcript.pyannote[255].start |
772.38284375 |
| transcript.pyannote[255].end |
773.02409375 |
| transcript.pyannote[256].speaker |
SPEAKER_02 |
| transcript.pyannote[256].start |
773.39534375 |
| transcript.pyannote[256].end |
774.03659375 |
| transcript.pyannote[257].speaker |
SPEAKER_02 |
| transcript.pyannote[257].start |
774.39096875 |
| transcript.pyannote[257].end |
774.81284375 |
| transcript.pyannote[258].speaker |
SPEAKER_02 |
| transcript.pyannote[258].start |
775.18409375 |
| transcript.pyannote[258].end |
782.28846875 |
| transcript.pyannote[259].speaker |
SPEAKER_02 |
| transcript.pyannote[259].start |
782.81159375 |
| transcript.pyannote[259].end |
783.25034375 |
| transcript.pyannote[260].speaker |
SPEAKER_02 |
| transcript.pyannote[260].start |
784.53284375 |
| transcript.pyannote[260].end |
786.59159375 |
| transcript.pyannote[261].speaker |
SPEAKER_02 |
| transcript.pyannote[261].start |
787.78971875 |
| transcript.pyannote[261].end |
788.49846875 |
| transcript.pyannote[262].speaker |
SPEAKER_02 |
| transcript.pyannote[262].start |
788.90346875 |
| transcript.pyannote[262].end |
794.40471875 |
| transcript.pyannote[263].speaker |
SPEAKER_02 |
| transcript.pyannote[263].start |
795.34971875 |
| transcript.pyannote[263].end |
795.90659375 |
| transcript.pyannote[264].speaker |
SPEAKER_00 |
| transcript.pyannote[264].start |
797.34096875 |
| transcript.pyannote[264].end |
799.07909375 |
| transcript.whisperx[0].start |
7.843 |
| transcript.whisperx[0].end |
16.21 |
| transcript.whisperx[0].text |
主席我請金管會主委、財政部長我們今天來的公營航庫是不是所有公共航庫嗎公共航庫 |
| transcript.whisperx[1].start |
25.473 |
| transcript.whisperx[1].end |
43.907 |
| transcript.whisperx[1].text |
所有董事長請起立董事長站位置上好了站位置上好嗎麻煩你站著我等一下馬上要問問題有需要的時候再站起來就好市委員好那個黃主委部長這個我所了解到的 |
| transcript.whisperx[2].start |
52.394 |
| transcript.whisperx[2].end |
60.96 |
| transcript.whisperx[2].text |
這三大租賃公司．中租、迪和、合潤跟裕融．他們不但公司都已經股票上市 |
| transcript.whisperx[3].start |
62.52 |
| transcript.whisperx[3].end |
90.866 |
| transcript.whisperx[3].text |
而且他們貸款給我們社會大眾的其實並不是來自他們的資金他們是大量的大金額的跟我們銀行體系借了我大概估計各方面的資料加起來大概五千億啦他向我們的銀行體系借了五千億低利貸款然後放高利貸給我們全體需要的民眾 |
| transcript.whisperx[4].start |
92.458 |
| transcript.whisperx[4].end |
104.908 |
| transcript.whisperx[4].text |
那這債這才會引起我們這一次我們會議要討論的主題啦那這三大租賃公司啊我姑且稱他為鼠條三兄弟啦吼 |
| transcript.whisperx[5].start |
108.516 |
| transcript.whisperx[5].end |
110.037 |
| transcript.whisperx[5].text |
是金融的代表 |
| transcript.whisperx[6].start |
136.496 |
| transcript.whisperx[6].end |
151.425 |
| transcript.whisperx[6].text |
他要做很多很多的模範給全國的銀行來看那部長、總部長剛好這八大公營、航庫、董事長、總經理都是你任命的 |
| transcript.whisperx[7].start |
152.492 |
| transcript.whisperx[7].end |
175.191 |
| transcript.whisperx[7].text |
那我們國家對待這八大公營行庫董事長、總經理我們待他們不薄他們每年薪資待遇都很高因為我們尊重他們的專業我們希望他們能夠全心全力幫我們公營行庫做得好這個待遇我們都沒話講但是他們做錯事情 |
| transcript.whisperx[8].start |
176.625 |
| transcript.whisperx[8].end |
199.237 |
| transcript.whisperx[8].text |
該打屁股的時候部長你可別心軟可別手軟我要請問這八大公營行庫的就是說就我剛提的啊薯條三兄弟向銀行借了五千億那我請問你們八大公營行庫我請八位董事長你們站起來一下好嗎我請問你們公營行庫 |
| transcript.whisperx[9].start |
207.605 |
| transcript.whisperx[9].end |
216.572 |
| transcript.whisperx[9].text |
第九位中國輸出銀行一開始我們把你併入了喔抱歉好九大我請問你們有貸款給這三大租賃公司的請舉手通通有喔天吶 |
| transcript.whisperx[10].start |
236.567 |
| transcript.whisperx[10].end |
256.983 |
| transcript.whisperx[10].text |
各位董事長我請問你們銀行貸款給借款方最重要這3C信用抵押品還款來源不是嗎信用抵押品就不難啦我就請問你啊 |
| transcript.whisperx[11].start |
259.168 |
| transcript.whisperx[11].end |
276.552 |
| transcript.whisperx[11].text |
這三大主力鼠條三兄弟他們是放高利貸的耶結果你借款給他們他們的還款來源是來自於高利貸你們知道嗎我請問你們知道嗎知道了請舉手喔你們不知道所以你們也是被鼠條三兄弟騙了 |
| transcript.whisperx[12].start |
285.967 |
| transcript.whisperx[12].end |
308.441 |
| transcript.whisperx[12].text |
你們跟我們千千萬萬的受害民眾一樣你們也被騙是不是?你們把來自於社會大眾辛苦的存款、血汗錢借貸給這些不良的租賃公司讓他去放高利貸我上回質詢部長主委的時候我就說 |
| transcript.whisperx[13].start |
310.489 |
| transcript.whisperx[13].end |
318.076 |
| transcript.whisperx[13].text |
我說這三大租賃公司叫做有牌的地下錢莊天吶這麼優質的九大公營行庫們你們竟然還默默的私下的把錢借給他們這叫助紂為虐不是嗎 |
| transcript.whisperx[14].start |
337.688 |
| transcript.whisperx[14].end |
364.742 |
| transcript.whisperx[14].text |
他們的還款來源是來自借款人他們的血汗他們變相向我們這些借款的民眾吸血以高利貸來還給你們第二點我現在請問啊你們九位董事長你們有錢借給這三大租賃公司那表示你們認定了一個合理的消費貸款不是嗎 |
| transcript.whisperx[15].start |
366.069 |
| transcript.whisperx[15].end |
389.409 |
| transcript.whisperx[15].text |
那你們為什麼不直接把錢借給需要的民眾呢?為什麼對一般民眾這麼坑?對這三家註定公司就來個疑問善不知?剛剛你通媒局你通通說你不知道他是放高利貸 |
| transcript.whisperx[16].start |
392.216 |
| transcript.whisperx[16].end |
395.036 |
| transcript.whisperx[16].text |
我不相信,你們縱容他們嘛,不是嗎?為什麼不把資金直接放還給需要的民眾?為什麼?帶頭的,台銀金庫、台灣銀行董事長、呂董事長請你回答,為什麼?有需要資金的民眾這麼多 |
| transcript.whisperx[17].start |
421.496 |
| transcript.whisperx[17].end |
435.628 |
| transcript.whisperx[17].text |
尤其青年朋友們為什麼我們九大公營行庫你不把資金直接融資給需要的民眾們而去借款給這三大租賃公司放高利貸為什麼啦為什麼 呂董事啊 |
| transcript.whisperx[18].start |
440.387 |
| transcript.whisperx[18].end |
468.259 |
| transcript.whisperx[18].text |
委員好我想跟委員報告這一個所有的租賃公司他也扮演一定的這個金融中介的角色事實上就我們所知這裡面的資金95%都不是大家所顧慮的那一些所謂這BNPL的放款而是呢我一路上放這麼多很快速這怎麼都不是呢你明知道嘛 |
| transcript.whisperx[19].start |
469.58 |
| transcript.whisperx[19].end |
487.549 |
| transcript.whisperx[19].text |
例如說這個BMP大概佔全體的5%那大多數還是在所謂的機器設備或者是車輛之類的車代就佔了一半之多你如果看這句絕大多數你們今天我們談說這個 |
| transcript.whisperx[20].start |
490.945 |
| transcript.whisperx[20].end |
508.817 |
| transcript.whisperx[20].text |
民間的金融公司其實最主要我們談這三大啦這三大就佔了90%操帶這麼大的比例金額你們竟然不曉得我有說你有錢借他們怎麼不借給民眾我自己答覆我這一點嘛借給民眾有這麼困難嗎 |
| transcript.whisperx[21].start |
511.021 |
| transcript.whisperx[21].end |
532.836 |
| transcript.whisperx[21].text |
我想這個每個銀行他的業務有他的取向那以銀行而言能夠做的能量就是那至於這個車輛的部分呢車輛占2861我實在不想回答你這個金額啦為什麼因為時間有限你把數字先看清楚了再說我還說台銀是模範生 |
| transcript.whisperx[22].start |
535.22 |
| transcript.whisperx[22].end |
538.041 |
| transcript.whisperx[22].text |
你平時在講整個市場規模啊對啊對啊臺銀啊大概是這拜九大公營行戶之士你們通通貸款給他們啊 |
| transcript.whisperx[23].start |
556.606 |
| transcript.whisperx[23].end |
577.509 |
| transcript.whisperx[23].text |
這個八大公股銀行大概是一千三百出頭億那台銀本身大概一百七八十億所以並非而裡面大概只有五個percent是可能有涉及BMPL對啦我知道你帶的不多啦一百四十億對你們而言對啦還是還是很多啊一輸了就丟啦不不不還是很多沒錯 |
| transcript.whisperx[24].start |
578.507 |
| transcript.whisperx[24].end |
600.794 |
| transcript.whisperx[24].text |
議員議員議員 |
| transcript.whisperx[25].start |
600.934 |
| transcript.whisperx[25].end |
621.607 |
| transcript.whisperx[25].text |
那個我們隔空這樣談都很清楚了啦,面對面我希望你給我公平的答覆,希望我們公民行庫能夠善待需要貸款的民眾們,直接貸款給他們,不需要透過你剛剛講的,這數條三兄弟你說是金融的仲介! |
| transcript.whisperx[26].start |
623.228 |
| transcript.whisperx[26].end |
641.443 |
| transcript.whisperx[26].text |
貸款就貸款,直接大家吃來吃往就好,不需要部落格啦,部落格還是吸血的,縱容他們存在嘛,不是這樣嗎?來董事長我真的領你請回。那理解,那我們再跟你報告,謝謝。那部長、主委、那個董事長。 |
| transcript.whisperx[27].start |
643.555 |
| transcript.whisperx[27].end |
670.868 |
| transcript.whisperx[27].text |
你們知不知道這三大有多惡劣他們的手法有多惡劣你知道嗎他們現在的貸款除了說汽車貸款以外他們另外其他的融資他們就假借欸商品假借根本不存在的比方說我舉例有的餐廳要跟他們融資他們啊不能直接貸款這個餐廳給這家公司他就說你啊 |
| transcript.whisperx[28].start |
671.824 |
| transcript.whisperx[28].end |
690.034 |
| transcript.whisperx[28].text |
給我打買賣合約假的合約買賣什麼餐廳喔買賣和牛欸要借200萬跟他先打一個合約說欸這個我跟你買253萬的和牛根本沒有那個東西啊假的就對 |
| transcript.whisperx[29].start |
691.789 |
| transcript.whisperx[29].end |
708.911 |
| transcript.whisperx[29].text |
然後再來第二層皮是什麼就來啦53萬先扣掉那是利息再來80萬的保證金再來10萬的手續費欸河流根本假的沒一個蹤影這家需要貸款的餐廳 |
| transcript.whisperx[30].start |
710.902 |
| transcript.whisperx[30].end |
737.364 |
| transcript.whisperx[30].text |
就先被扒了三次皮啦他本身就是那條和牛被剝了三次皮這個假的那這樣的貸款呢存在存在多少你們去查總共我剛剛跟你們講的啊借改這些法人融資的通通以這樣子的方式所以主席我最後再提一句說 |
| transcript.whisperx[31].start |
738.902 |
| transcript.whisperx[31].end |
749.907 |
| transcript.whisperx[31].text |
部長、金管委員你們九位董事長你們要注意這樣子的租賃公司遏制的他們規避了三大法規公私法 |
| transcript.whisperx[32].start |
750.95 |
| transcript.whisperx[32].end |
770.877 |
| transcript.whisperx[32].text |
因為不能借錢給其他個人規避了民法歷時超過16%應該契約無效規避了刑法的重力罪規避了這三大法規重大的法律結果金管會跟 |
| transcript.whisperx[33].start |
772.718 |
| transcript.whisperx[33].end |
773.639 |
| transcript.whisperx[33].text |
謝謝王世堅委員的質詢 |