| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/3777787365654675dfa07c749338db8653481301b577a5e53ccd2cad39e601c006cf9b1052b938545ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
郭國文 |
| 委員發言時間 |
11:22:42 - 11:34:54 |
| 影片長度 |
732 |
| 會議時間 |
2024-12-19T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第2會期財政委員會第11次全體委員會議（事由：一、審查中華民國114年度中央政府總預算案有關金融監督管理委員會、銀行局、證券期貨局、保險局、檢查局收支部分。（僅詢答）
二、審查中華民國114年度中央政府總預算案附屬單位預算營業部分，有關金融監督管理委員會主管中央存款保險股份有限公司。（僅詢答）
三、審查中華民國114年度中央政府總預算案附屬單位預算非營業部分，有關金融監督管理委員會主管：（僅詢答）
(一)特別收入基金－金融監督管理基金。
(二)信託基金－保險業務發展基金。
【預算提案截止時間：12月19日（四）中午12時】
【12月18日及19日二天一次會】） |
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主席有請彭主委 |
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5.32 |
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委員好主委好主委這兩天其實有一些意外的插曲就有關於這個這個融資專法要不要制定的問題聽說有人去進行遊說還說要等到財委會召開兩次公聽會之後那我就請問一下主委這個問題當然行政委員有關心過到底是在法案提出之前還是法案提出之後才有召開公聽會 |
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32.115 |
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53.406 |
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是因為我們現在這個要根據那個金保法第三條我們要公告所以我們在公告之前那上次開協調會是希望我們多多跟其他業者能夠溝通完畢把他們一律溝通清楚今天假設如果法案已經形成的話沒話說啦講白點可是法案還沒形成之前就要召開這個 |
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54.727 |
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79.541 |
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公聽會的話老實講有一種主粹修法的先行我再跟你講一個數據好了那個事情在4月25號的時候中租抵合還明明對外公開講說他們支持融資轉法就私底下做這種事情根本是個主粹修法這基本上是兩面守法表裡不一樣沒有真正想要被納管所以這種心態可以你要想清楚 |
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80.521 |
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107.128 |
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那如果業者這種心態的話就是既有不受政府管轄的情況底下他對他們對自由啊獲利的空間最大要不是我們揭發幾次的話他們會自我收斂嗎會有自律公約嗎所以說呢自律之外還真的需要他你知道真的很誇張到現在為止中蘇抵合還有在推廣啊你只要來我這邊啊要接受我服務貸款的你還要買重安家保健食品 |
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108.548 |
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137.45 |
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阿中華金融保險食品拜託欸我給你借錢我另外花一筆錢欸你看我手頭上這一份吼我手頭上這一份土地他向權力部阿權力人中租抵合阿就跟他一個標案而已就跟他貸了九億六千萬九億六千萬九億六千萬因為這有一個個資的問題我不予洩漏當事人敢傳給我但是我又不想要造成他的困擾 |
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138.482 |
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157.414 |
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所以借個916000塊還要跟他買保健食品然後罵完之後有一些自律公約那自律公約標的在哪裡只有中古車跟先買後付有自律啊然後最近他們對外宣布說呢克訴案件的降了三成多 |
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159.073 |
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186.558 |
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主要是在中古車啊又不是其他我再跟你講還有哪些爭議行為第一個暴力討債結合黑道第二個放高利第三個呢最近有一個台版的地面師勾結這些融資公司來騙3億元這是詐騙所以手段還有第四個去成立所謂代辦公司標的上最受爭議的最近最受爭議的是什麼 |
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187.378 |
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203.498 |
| transcript.whisperx[8].text |
就是土建榮嘛不是嗎那我問一下主委嘛關於這個自律公約類似這些不當手段的禁止或者呢這個除了先買後付中古車之外有沒有可能把土建榮部分也納入約束之中主委請 |
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204.153 |
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219.68 |
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有關土建融的部分我想委員應該也知道我們在12月13號我們就發布了一個新的函令特別針對他們這個土建融部分假設這個資金是來自於金融機構的話我們希望他能夠救援控管 |
| transcript.whisperx[10].start |
219.96 |
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244.189 |
| transcript.whisperx[10].text |
那畢竟現在融資公司他現在是因為我們做代放業務即便我們未來已經保法那金融消費者保護法金融消費者主要是針對我說你是他律啦他律啦我是說你是不是要自律的部分再要求一下那個工會部分應該他是等於說應該是他會有一些自律規範我們會透過管道因為我們來請他針對一些爭議事項好幾樣喔好幾樣喔 |
| transcript.whisperx[11].start |
245.99 |
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271.176 |
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本席都幫你整理好了喔你應該找他再來談一下找工會再來談一下這些自律者的項目增加方法、手段不當的手段也應該予以排除這才是自律嘛否則的話形成這麼多爭議這是第一個第二個對這些自律公會成員自律而無自律者他們是什麼約束處置你也要了解啊不是嗎對我們對相關的自律 |
| transcript.whisperx[12].start |
272.536 |
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289.193 |
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處理當然自律他不是法律啦但有些他可以連接到法律還是有些裁罰所以需要你去他律嘛所以你應該再找公會來有沒有可能當然我們基於假設跟我們的業務有關我們還是會跟他來溝通這些都有關 |
| transcript.whisperx[13].start |
290.634 |
| transcript.whisperx[13].end |
302.02 |
| transcript.whisperx[13].text |
爭議還不斷爭議不斷不要每次報一件我們再來處理一件嘛我就把案整理好了所以我請主委再找公會談一談再把自律的部分好好處理一下好不好 |
| transcript.whisperx[14].start |
304.95 |
| transcript.whisperx[14].end |
310.114 |
| transcript.whisperx[14].text |
有關金融監督管理委員會主管中央政府總預算案附屬單位預算案附屬單位預算案附屬單位預算案 |
| transcript.whisperx[15].start |
327.127 |
| transcript.whisperx[15].end |
353.889 |
| transcript.whisperx[15].text |
剛剛就是說我們現在約束的對象主要我知道你現在抓到放小可是你要去想一想你剛剛講說你答詢其他委員說大概有1000家或2000家經濟部工商系統超過了說好像有11萬家好不管幾家工會只有40家三大就只有30家你現在只有約束這三大工會的話不要形成所謂的公平或不公平你搞不好會養出另外一個新的三大 |
| transcript.whisperx[16].start |
356.186 |
| transcript.whisperx[16].end |
380.358 |
| transcript.whisperx[16].text |
你知道我意思嗎就下面對啊你如果養出一個新的三大我們現在這三個三大把它壓制三大變三中三中又變三小那結果呢養出一個新的三大會不會造成這種狀況其實我們的想法就是說其實我們納管是因為對社會影響層面的考慮因為我們上市的公司租賃公司還有四家啦除了大家常講的這三家還有一家對 |
| transcript.whisperx[17].start |
381.539 |
| transcript.whisperx[17].end |
393.107 |
| transcript.whisperx[17].text |
那另外的話就是我們其實上也不是說其他不納管我們接下來第二階段我們就會希望說金融機構轉投資這些大概14家也能夠納管那接下來才是到 |
| transcript.whisperx[18].start |
395.011 |
| transcript.whisperx[18].end |
398.513 |
| transcript.whisperx[18].text |
總金額金融機構授信總共2484億．販款部分1686億．不動產部分高達559億．這個部分換算起來超過31%．等於是超過72條之2的部分你知道嗎．最近還有怎樣你知道嗎． |
| transcript.whisperx[19].start |
417.799 |
| transcript.whisperx[19].end |
429.749 |
| transcript.whisperx[19].text |
最近還頻頻去打電話給客戶說以前的客戶都說你要不要車貸現在說你要不要房貸你要不要正貸還一直在擴大這個內容在挑戰政府威信在跟政府作對 |
| transcript.whisperx[20].start |
432.076 |
| transcript.whisperx[20].end |
458.201 |
| transcript.whisperx[20].text |
你越約束他,他越這樣處理那到底融資公司會不會形成一個破口那我們就來算總額嘛我們來算總額總額上以目前上一次央軍局長答覆是26.7%非常接近這個警戒值是28到28.5%那你如果換算下去的話我們目前內政部的資料到10月的話剩餘的預售屋還有11萬筆 |
| transcript.whisperx[21].start |
463.246 |
| transcript.whisperx[21].end |
469.959 |
| transcript.whisperx[21].text |
7,815這種情況底下假設一筆貸款額度是一千萬的話還需要資金是一千一兆1.178兆 |
| transcript.whisperx[22].start |
473.171 |
| transcript.whisperx[22].end |
497.552 |
| transcript.whisperx[22].text |
我換算了一下如果1.178兆的話放在這個總量管制當中金額的算法的話還要是會讓整個這個警罪水位破表會超過28.5%我再跟你講一個數字還會另外一個破表是什麼上次有講說把一些排除條款的這個金額拉進去的話伊朗局長告訴我29% |
| transcript.whisperx[23].start |
499.813 |
| transcript.whisperx[23].end |
503.564 |
| transcript.whisperx[23].text |
如果說把這個未來的預售屋的這個金額再放下去的話會破30欸 |
| transcript.whisperx[24].start |
506.935 |
| transcript.whisperx[24].end |
533.377 |
| transcript.whisperx[24].text |
會破30欸所以以後這些預售在交屋的時候要貸款可能就會貸不到款不是嗎?會不會變成這樣子?跟委員報告其實我們也有跟內政部有密切的去收集這些資料我們也對明年有做預估那我們有有比較不一樣的數據啦我想我們可以再跟委員報告這內容可是主委我跟你說現在房價很清楚了量縮了對不對 |
| transcript.whisperx[25].start |
534.898 |
| transcript.whisperx[25].end |
561.068 |
| transcript.whisperx[25].text |
對亮說而且現在貸款也在下降也在下降很明顯幾個數字都是這樣子我們每個禮拜監控全國的貸款金那我就問你亮說現在還是有一些AV約的行為還有一些低首付的狀況一些手法還有附加電手法越來越多還辦座談會在造勢你要知道這種情況底下買氣還是沒有增加的情況就最好與主委 |
| transcript.whisperx[26].start |
562.108 |
| transcript.whisperx[26].end |
588.328 |
| transcript.whisperx[26].text |
那你看起來有沒有可能什麼時候跌沒有我想齁我們不對那個房價因為我們是管控銀行的風險不要說跌嘛你是不是要先讓買屋者稍微止步一下嘛沒有我想現在未來很多變數比如說貸款就是一個變數但是我們有每週在監控我們也對明年後年做預估我想這部分我們大概都會嚴密的跟財政部跟央行一起來 |
| transcript.whisperx[27].start |
589.569 |
| transcript.whisperx[27].end |
608.754 |
| transcript.whisperx[27].text |
監控這件事情沒有主委我跟你講這有雙重破口的可能性然後建商還是不斷用其他預收還是用其他的手法一直在增加也就是說這個11換戶還有可能會再增加然後增加的情況底下你還有一個問題你還會形成另一個破口就什麼就周轉金 |
| transcript.whisperx[28].start |
610.094 |
| transcript.whisperx[28].end |
639.734 |
| transcript.whisperx[28].text |
你有沒有把周轉金的金額再清楚地掌握多少金額有 那個剛才帶放裡面其實剛剛比如說對融資公司其實大部分都是周轉金沒有 沒有 那是融資公司我是說一般的建商來說你還是有周轉金的資金有 那個我們都有針對這兩個分類做那個這個機制當中你如果沒有一清清楚地掌握的話它的融資啊就會那個周轉金會轉向了另外一種形式的一種貸款你會形成一種破口再加上呢最近的房地產增加 |
| transcript.whisperx[29].start |
640.474 |
| transcript.whisperx[29].end |
669.309 |
| transcript.whisperx[29].text |
當初他貸到的周轉金可能是5億我現在房子又增加我又再跟你要求一次再增貸我拿以前舊的這個標的以前10年前我現在房地產增加我現在如果說你現在我現在金額不夠我又增貸那這種情況底下那不是沒完沒了了嗎主委我們在這一波裡面我們有跟銀行做一些比如說結構性的調整我想委員都知道調整是什麼 |
| transcript.whisperx[30].start |
670.169 |
| transcript.whisperx[30].end |
692.722 |
| transcript.whisperx[30].text |
結婚姻調整希望把它轉向在比如說那個土建籠部分還有包括相關對建築這邊的貸款我們能夠轉向我們一般民生的貸款我想這個成效已經也發生了因為資產太多了嘛 肩上手頭資產太多了嘛 它以前是低價嘛 現在是高價嘛我只是這次資產重新評估 我又給你貸款一次 那不就真貸了嗎 |
| transcript.whisperx[31].start |
693.963 |
| transcript.whisperx[31].end |
720.127 |
| transcript.whisperx[31].text |
對不對那當然現在就是說那增待的同時又給你多要周轉金那不就是又變成一個新的缺口了嗎主委現在據我們了解銀行是它是個總量在控制就是說不是只有土建融其他周轉金它是總量在控制是啦我就是做一個提醒啦是是謝謝不要變成說我們看到一個缺口之後要堵這一個又形成一個缺口那這個缺口又沒有堵起來又變成另一個新的缺口本期在慎重提醒你啦有機會要再跟公會談一談啦謝謝謝謝委員謝謝 |
| transcript.whisperx[32].start |
723.969 |
| transcript.whisperx[32].end |
731.817 |
| transcript.whisperx[32].text |
好 謝謝郭國鴻委員喔 謝謝接著我們請林思銘委員林思銘 林思銘 林思銘不在麥玉珍委員 |
| IVOD_ID |
158253 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/158253 |
| 日期 |
2024-12-19 |
| 會議資料.會議代碼 |
委員會-11-2-20-11 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
2 |
| 會議資料.會次 |
11 |
| 會議資料.種類 |
委員會 |
| 會議資料.委員會代碼[0] |
20 |
| 會議資料.標題 |
第11屆第2會期財政委員會第11次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2024-12-19T11:22:42+08:00 |
| 結束時間 |
2024-12-19T11:34:54+08:00 |
| 支援功能[0] |
ai-transcript |