| IVOD_ID |
161793 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/161793 |
| 日期 |
2025-05-22 |
| 影片種類 |
Clip |
| 開始時間 |
2025-05-22T10:08:36+08:00 |
| 結束時間 |
2025-05-22T10:15:09+08:00 |
| 影片長度 |
00:06:33 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/1976c9e92d55c2f9a39de5ec1e7c53603ea4f37320387eacaad19b4ced7b4d8b604f80897a2691b05ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
林思銘 |
| 委員發言時間 |
10:08:36 - 10:15:09 |
| 會議時間 |
2025-05-22T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第3會期財政委員會第4次公聽會（事由：召開「融資公司法」公聽會） |
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謝謝主席各位委員 各位學者 專家 大家好我想網路影片啊三道猴子的一生雖然已經上架兩年了但是我們只要談到融資公司的放款的亂象都還是會被人提起說這是為什麼那就是因為到現在都還沒有一個專法 |
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來有效監管影片中所提到的那些真實的融資放款的問題更也已經造成無以數計的融資借貸的受害者其實在民國97年行政院就已經提出了融資公司法草案 |
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並且在當年的2月4號將該草案送到我們立法院來審議但是因為同年爆發了金融海嘯因此這部專法的審議就不了了之了而我們到今天為止民間借貸的業務是越見普遍也因此而出現許多借貸的亂象我們看到一台價值才2萬元的機車 |
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而且不是新車二手的現在可以借到30到40萬非常離譜也就是因為有許多類似這樣不合理的高利放貸或者超出常理的這種借貸交易造成我們非常多急需用錢的民眾反而掉入這些無盡的債務深淵之中 |
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甚至還有融資公司的不肖業務員跟詐團來掛鉤聯手來詐幹我們這些事業者或者是我們的老人家以及一般的民眾以假借貸真詐財的方式來獲取不法的高額利息這種亂象以及不法的行為讓原本是提供民眾另一個借貸管道的通路 |
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來解決他們這個燃煤之急的融資公司這個部分已經變成為嚴重的新型的一個債務源頭 |
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但是我們來看金管會現在提出的解決方案是先將中租、育農、和潤以及日盛台郡4家上市集團下面的12家融資公司納入我們剛才講的金融保險金保法金融消費者保護法 |
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來納管並授權相關執法修法來強化金融消費的保障也就是說金管會他還是不打算提出專法來監管以及解決融資公司借貸的種種問題 |
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但我們看到這樣的做法能夠來解決本席所提到的各種融資借貸的不合理以及違規的亂象嗎能完善的保障我們民眾的權益嗎當然不行啊所以我們認為依照金管會的做法除了是緩不濟急以外也沒有辦法完整有效的解決融資借貸所延伸的金融消費問題 |
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我們因為在二零一年通過的金保法他主要處理的是金融消費者所購買的金融商品以及服務的消費爭議事件尤其是針對延伸性的金融商品以及各類的保當商品因此金保法所設立的 |
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依照金保法所設立的金融消費評議中心一直以來他們專注處理的是解決金融及保險糾紛面對我們這種更為複雜的融資公司的借款問題評議中心可以說是接觸的案例非常的少 |
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所以我們也質疑說這個平均中心能夠去解決有能力解決這種融資借貸的問題嗎我們加上在金保法之下平均中心他所能決定的金融消費的一個糾紛的一個賠償額度最高就是120萬 |
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而且最後還是要訴求法院就仰賴民事求商而關於我們中小企業戶的保障根本沒有辦法處理 |
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若是再加上遇到融資的詐騙金保法絕對是不足以處理並監管這些融資公司所延伸的相關的問題所以即使金管會目前的做法可能是過度措施但是別忘了各種融資借貸的問題還是每天持續在上演 |
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絕對不應該用這種過度的方式來解決這樣的問題所以一定要栗酸法來徹底解決 |
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我們在國內我們看到當鋪業者有專法就當鋪業法虛擬資產我們現在也正在討論虛擬資產的服務法但我們最需要專法的融資公司業務卻到現在還沒有下落因此我要呼籲除了我們委員所提的版本以外行政院金管會也應該儘速提出相關的版本來回應 |
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我們97年就有融資公司法的草案 |
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可以作為參佐同時我們剛才有位學者也提到說外國的立法例比如日本的貸金業法英國也有消費信貸法所以我們盡快的重新的提出融資公司的專法以監管處理融資借貸的各種金融問題一來可以讓融資公司有法可循提供合理合法的融資管道給我們民眾二來也可以讓有需求的民眾 |
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383.355 |
| transcript.whisperx[18].text |
能夠在法律的保障之下來取得他所需要的資金來營造一個完善的融資環境提升我們國內金融市場以社會的安全與穩定以上好謝謝好謝謝理事委員的發言下一位請政大 |