| IVOD_ID |
156283 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/156283 |
| 日期 |
2024-10-30 |
| 影片種類 |
Clip |
| 開始時間 |
2024-10-30T10:44:52+08:00 |
| 結束時間 |
2024-10-30T10:56:16+08:00 |
| 影片長度 |
00:11:24 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/da0d5cdf8d126ade8e6ad6641b4b719a67ff13663af3209e03045fce0cf86b0fea4ab2856517d8325ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
李坤城 |
| 委員發言時間 |
10:44:52 - 10:56:16 |
| 會議時間 |
2024-10-30T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第2會期財政委員會第5次全體委員會議（事由：一、邀請金融監督管理委員會彭主任委員金隆率所屬機關首長暨中央存款保險股份有限公司、監管相關機構有關之財團法人、臺灣證券交易所股份有限公司、臺灣期貨交易所股份有限公司、臺灣集中保管結算所股份有限公司等董事長、總經理列席業務報告，並備質詢。二、繼續審查「證券交易稅條例」5案：(一) 行政院函請審議「證券交易稅條例第二條之二及第十二條條文修正草案」案。(二) 本院委員羅明才等20人擬具「證券交易稅條例第二條之二條文修正草案」案。(三) 本院委員賴士葆等25人擬具「證券交易稅條例第二條之二及第十二條條文修正草案」案。(四) 本院委員伍麗華等19人擬具「證券交易稅條例第二條之二及第十二條條文修正草案」案。(五) 本院委員邱志偉等19人擬具「證券交易稅條例第十二條條文修正草案」案。三、審查「證券交易稅條例」5案：(一) 本院台灣民眾黨黨團擬具「證券交易稅條例部分條文修正草案」。【本案如經院會復議，則不予審查】(二) 本院委員林楚茵等19人擬具「證券交易稅條例第二條之二條文修正草案」案。(三) 本院委員李坤城等22人擬具「證券交易稅條例第二條之二條文修正草案」。【本案如經院會復議，則不予審查】(四) 本院委員賴惠員等37人擬具「證券交易稅條例第二條之二及第十二條條文修正草案」案。(五) 本院委員蔡易餘等16人擬具「證券交易稅條例第二條之二及第十二條條文修正草案」。【本案如經院會復議，則不予審查】四、審查金融監督管理委員會函送「延長調降當日沖銷交易稅之稅式支出評估報告」及「研商延長調降當沖交易證券交易稅實施期間」公聽會之會議紀錄案。五、討論中華民國114年度中央政府總預算案（含附屬單位預算及綜計表－營業及非營業部分）審查日程暨審查分配表草案。【10/30及10/31，兩天一次會】） |
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| transcript.whisperx[0].start |
0.389 |
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2.191 |
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請問一下主委你知道明天是什麼節嗎? |
| transcript.whisperx[1].start |
26.511 |
| transcript.whisperx[1].end |
38.65 |
| transcript.whisperx[1].text |
10月31號不太知道明天不一定是颱風假但是明天是這個萬聖節然後那個川普他最近一句這個他批評臺灣 |
| transcript.whisperx[2].start |
40.542 |
| transcript.whisperx[2].end |
58.844 |
| transcript.whisperx[2].text |
這個偷走了美國的晶片還說要對臺灣的晶片課徵關稅那這有點像是這個萬聖節來講這個Trick or Treat不給糖就搗蛋然後這句話之後這個臺股也應聲大跌那當然這個金管會有出來信心喊話 |
| transcript.whisperx[3].start |
59.645 |
| transcript.whisperx[3].end |
76.857 |
| transcript.whisperx[3].text |
那我也相信說這個我們臺股的這個體質良好臺積電也是我們臺灣的驕傲但是美國大選總統大選就是下禮拜應該下禮拜二就開始那請問一下金管會有做好什麼樣的準備嗎這個問題剛剛也很多委員關心過因為這個是對臺灣來講就是美國總統大選的結果對臺股對臺灣都會有影響 |
| transcript.whisperx[4].start |
83.041 |
| transcript.whisperx[4].end |
111.668 |
| transcript.whisperx[4].text |
因為大家都知道臺積電在我們臺股成交比重是一個很高的比重所以它的漲跌對於臺灣股市確實是有比較大的影響剛剛有幾位委員關心過了也問過說金管會有沒有什麼18套劇本來因應這些事情確實我們針對這個事情我們已經開過幾次會然後也跟我們的交易所我們有固定的這樣一個機制去討論以及因應的原理那我們會做好萬全的準備 |
| transcript.whisperx[5].start |
115.029 |
| transcript.whisperx[5].end |
139.594 |
| transcript.whisperx[5].text |
金管會有沒有跟我們相關的部會或行政院有沒有召開相關部會來因應這次美國總統大選對於我們這一個臺灣政治經濟的影響現在我想院級的他們有他自己的這樣的作業我們金管會本來就有一個這樣的機制在運作我們主要是由金管會跟我們兩個交易所還有我們旗艇那你們萬全的做法大概是怎麼樣的做法 |
| transcript.whisperx[6].start |
140.509 |
| transcript.whisperx[6].end |
166.603 |
| transcript.whisperx[6].text |
就剛剛有委員也有詢問過我說我們有一套的行政的措施我們會在適時在適當的環境之下若出現了一個我們不預期的狀況我們會來提出適當的方法來處理什麼是不預期的狀況因為我們在很多地方都已經說過了我們是一個我們在意的是整個市場交易的秩序然後以及說它的所謂的這個交易的 |
| transcript.whisperx[7].start |
167.663 |
| transcript.whisperx[7].end |
189.236 |
| transcript.whisperx[7].text |
穩定性所以我們在過去只要有比如說是屬於非理性的這樣的影響因素的話我們就會採取必要的措施所以這個美國總統大選的結果會是一個非理性的影響臺灣股市的一個變數嗎當然有些是基本面的因素有些心理面的因素通常這個非理性都是心理面的因素好 那非理性的因素應該短期就會過去了嘛 |
| transcript.whisperx[8].start |
189.716 |
| transcript.whisperx[8].end |
207.421 |
| transcript.whisperx[8].text |
通常我們從過去的經驗看到還是會短期會受到心裡面的衝擊長期還是要靠基本他們的體質的支撐好那再請教一下這個主委這個之前這個有大家有在呼籲說針對這個竹林公司但是好像這個影子銀行一樣 |
| transcript.whisperx[9].start |
208.121 |
| transcript.whisperx[9].end |
230.787 |
| transcript.whisperx[9].text |
所以有呼籲要制定這個融資公司法那金管會的態度就是說你們現在有這個委外做這個研究的報告那預計年底會出爐那時候再看說是不是要訂專法但是本席有看到說你們最近有兩個措施推斷有可能這個不會推定這個制定這個融資公司的管理法那第一個就是說你們有請銀行公會這個 |
| transcript.whisperx[10].start |
233.069 |
| transcript.whisperx[10].end |
242.171 |
| transcript.whisperx[10].text |
訂定銀行對融資租賃業的這個受信實務之律規範那第二個就是說嚴定將一定資本額達以上規模的上市櫃融資租賃公司 |
| transcript.whisperx[11].start |
242.945 |
| transcript.whisperx[11].end |
265.62 |
| transcript.whisperx[11].text |
納入金融消費者保護法適用範圍大概是兩個一個是受信銀行公會的受信實務之律規範另外一個是修改金保法請問一下第一個有關於要求銀行公會對租賃公司受信融資的受信實務之律規範目前進行的情況是怎麼樣 |
| transcript.whisperx[12].start |
266.969 |
| transcript.whisperx[12].end |
288.874 |
| transcript.whisperx[12].text |
這個的部分因為我們其實對這個問題很關切因為大家對這個融資公司在社會上這個大家的疑慮主要是在於消費金融的部分那這一塊的話我們確實說因為其實他們很多的資金如果是來自於銀行的話我們確實可以從銀行跟他往來之間進行相關的這樣一個規範所以我們就請他們訂一個這樣一個自立規範 |
| transcript.whisperx[13].start |
291.015 |
| transcript.whisperx[13].end |
317.675 |
| transcript.whisperx[13].text |
來針對這個大家所關切的議題特別是針對中古車還有BMPL就是那個先買後付這部分訂立一個規定還有對他們的貸後管理我們透過銀行來管理我想現在這部分應該已經已經開始上路了嘛就是已經準備要上路了對請問一下進度怎麼樣按照如果說媒體所披露的說這個受限使用守則有四大要件第一個就是說檢視放款規模大小那第二個呢 |
| transcript.whisperx[14].start |
319.196 |
| transcript.whisperx[14].end |
328.199 |
| transcript.whisperx[14].text |
檢視特定族群的販款集中度簽竊結書對中股車業融資或BMPL以建立風險機制或在內部簽訂消費者保護的規定才能取得銀行的販款銀行必須在連徵中心資料上註記請問這四個方向是朝這四個方向走嗎? |
| transcript.whisperx[15].start |
341.414 |
| transcript.whisperx[15].end |
363.648 |
| transcript.whisperx[15].text |
原則上是朝這四個方向因為當初我們其實要銀行公會訂的時候有給他們幾個原則這是你們給他們原則嗎對,原則上比如說像BNPL還有中古車消費者保護這個是我們非常強調的原則所以說這個如果那請問一下那這一個由銀行公會的這一個受限實務之律規範何時會上路 |
| transcript.whisperx[16].start |
366.991 |
| transcript.whisperx[16].end |
377.606 |
| transcript.whisperx[16].text |
報告委員他們已經報過來我們內部再做一些調整之後然後給他們的之後他們應該很快就能上路很快是指說11月還是12月 |
| transcript.whisperx[17].start |
380.441 |
| transcript.whisperx[17].end |
405.53 |
| transcript.whisperx[17].text |
原則上應該是年底前年底前會上路因為這就是由銀行端來強化受信的管理嘛是的那就是說第二個這個修改金保法那修改金保法就是說你們把一定資本額以上這個上市上櫃的公司那當然目前大概就是三家啦中租、育農跟和潤然後呢按照金保法的規範 |
| transcript.whisperx[18].start |
407.05 |
| transcript.whisperx[18].end |
420.119 |
| transcript.whisperx[18].text |
將金融服務業比照一般的金融業來納管那請問一下如果按照這個修改這個金保法的規定的話這個是只要行政命令公告還是要修法 |
| transcript.whisperx[19].start |
421.122 |
| transcript.whisperx[19].end |
438.454 |
| transcript.whisperx[19].text |
這個不用修法因為我們按照金保法第3條我們只要公告他的話就會納入我們的行為管理第3條就是說經其他主管機關公告的金融服務業那所以是把這個租賃公司把它視為這個金融服務業嗎因為我們對他的行為納管機構沒有 |
| transcript.whisperx[20].start |
441.255 |
| transcript.whisperx[20].end |
463.868 |
| transcript.whisperx[20].text |
對把行為納管機構要未來機構還不是對對機構要未來有專法才對機構但是他們的這一個行為對比如說他做了跟比如說銀行類似的行為他就應該受到相同的對消費者的保護的機制好那請問一下那這個效力是怎麼樣你納入金保法管理之後跟沒有納入他的差別在哪裡他約約束性 |
| transcript.whisperx[21].start |
464.928 |
| transcript.whisperx[21].end |
479.414 |
| transcript.whisperx[21].text |
差別在哪裡那當然因為假設納入金保法的內容就會有罰則若違反了這裡面的相關比如說適合度還有資訊揭露、風險告知還有契約公平性都會有罰則是對租賃公司的罰則 |
| transcript.whisperx[22].start |
480.334 |
| transcript.whisperx[22].end |
509.59 |
| transcript.whisperx[22].text |
對就是因為他被納入以後他就會會受到金融消費者保護法裡面主要的內容我剛剛跟委員報告那幾項如果他沒有做到這些的話就會被處罰那這個推動上面有困難嗎當然現在這個這部分需要比如說我們先要先初步的跟租賃公會跟相關的業者溝通他們同意以後呢我們就會把他納入他們會同意嗎我們正在溝通中就是說我看這個媒體的報導好像主力蠻大的 |
| transcript.whisperx[23].start |
510.25 |
| transcript.whisperx[23].end |
532.483 |
| transcript.whisperx[23].text |
沒有我覺得應該是我們還在努力因為這個畢竟是你們溝通力道還不夠大嗎還是我們會持續的來努力因為這個是你們公告就可以嘛當然公告的過程當中還是要跟他們溝通當然我們現在政府需要跟因為他畢竟這個本質上並不是我們現在所大家所認知的所謂的我們金管會金管的金融服務業 |
| transcript.whisperx[24].start |
533.163 |
| transcript.whisperx[24].end |
549.785 |
| transcript.whisperx[24].text |
但是我們希望透過這個過渡式的管理希望趕快把國人關切這個內容也希望他們基於對社會的期待趕快的加入這個部分的那年底之前能夠公告嗎這部分我們不敢預期進度但我們會盡快的跟他們加速協調的過程 |
| transcript.whisperx[25].start |
551.227 |
| transcript.whisperx[25].end |
570.548 |
| transcript.whisperx[25].text |
這個應該是要給一個Date Line你們才會去做當然你們已經有做了但是如果說這個他們有一些這個一些阻力然後呢那你們這一次溝通那也不知道溝通溝通溝通到哪個時候啊總是還有個期限嘛那自己主委心中的這個期限希望哪個時候能夠這個能夠公告 |
| transcript.whisperx[26].start |
570.848 |
| transcript.whisperx[26].end |
592.041 |
| transcript.whisperx[26].text |
因為它裡面還牽涉到範圍的問題當然大家有人說是不是有那三家有人說是不是上市櫃有沒有說上市櫃就是三家啊他們也佔了大概所有的這個受訓大概九成以上是不是工會的會員還是說金融機構所屬的子公司這些範圍其實還要再來考量一下我想 |
| transcript.whisperx[27].start |
592.941 |
| transcript.whisperx[27].end |
617.303 |
| transcript.whisperx[27].text |
委員這個的督促我們其實我們對這個東西其實是非常認真而且我覺得是很審慎的我知道就是在這個專法出來之前你們就是至少這兩個方向有在做那另外一個你剛才說這個銀行公會希望說在年底之前至少能夠那個規範能夠先出來我們用多管齊下希望這個秩序所以我也希望說這個納入金保法在年底之前 |
| transcript.whisperx[28].start |
618.344 |
| transcript.whisperx[28].end |
637.176 |
| transcript.whisperx[28].text |
能夠公告我們朝這個方向來做好不好那會不會因為這樣子其實你們就不想設立專法了這是另外一回事因為跟我們報告專法如果容易的話這個案子從85年開始討論到現在我知道啦所以我覺得這牽涉到整個很 |
| transcript.whisperx[29].start |
638.197 |
| transcript.whisperx[29].end |
650.58 |
| transcript.whisperx[29].text |
比較複雜的範圍我們希望是透過假設能夠分階段讓我們知道這個管理的這樣的方式以後接下來我們的專法、納管就比較有一個輪廓就比較容易達到社會的共識所以你們委員會的報告是年底會出來 |
| transcript.whisperx[30].start |
652.297 |
| transcript.whisperx[30].end |
676.262 |
| transcript.whisperx[30].text |
就是有關融資公司專法我們委外的報告對委外的報告年底會有個初稿出來好那我還是希望說這個年底能夠公告落入金保法我們朝這方向努力好謝謝我這還有兩分鐘嗎還是時間到了時間到了時間到了喔好好好謝謝謝謝委員謝謝坤城委員那接著我們休息10分鐘 |