| IVOD_ID |
161796 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/161796 |
| 日期 |
2025-05-22 |
| 影片種類 |
Clip |
| 開始時間 |
2025-05-22T10:23:56+08:00 |
| 結束時間 |
2025-05-22T10:34:40+08:00 |
| 影片長度 |
00:10:44 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/1976c9e92d55c2f9f0c1c6d6df1becff3ea4f37320387eacaad19b4ced7b4d8b9f71be98fdbdd0de5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
王世堅 |
| 委員發言時間 |
10:23:56 - 10:34:40 |
| 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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| transcript.whisperx[0].start |
7.949 |
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29.618 |
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謝謝主席謝謝今天來的各位辛苦的教授還有法學界這些好朋友們你們非常有正義感因為其實我這個我去年2月1號上任第一天之後我的第一次質詢就是針對數條三兄弟 |
| transcript.whisperx[1].start |
34.083 |
| transcript.whisperx[1].end |
57.192 |
| transcript.whisperx[1].text |
這個有牌的地下錢莊他們的可惡惡行惡狀而我認為薯條山兄弟以及一乾租賃公司融資公司等他們的惡行惡狀背後等於政府縱容他們啦尤其銀行體系怎麼說呢 |
| transcript.whisperx[2].start |
60.461 |
| transcript.whisperx[2].end |
78.253 |
| transcript.whisperx[2].text |
這數條山兄弟十幾二十年來已經龐大到他們成為金融怪獸不但上市上櫃他如果拿出來借的錢自己的錢也就算了 不是他左手向銀行體系借了五千多億 |
| transcript.whisperx[3].start |
79.915 |
| transcript.whisperx[3].end |
101.203 |
| transcript.whisperx[3].text |
利息連一趴都不到右手放高利貸20%的高利貸給需要的民眾們吸血啦左手借一趴而且銀行的錢社會大眾的錢耶右手去做他們的高利貸 |
| transcript.whisperx[4].start |
103.018 |
| transcript.whisperx[4].end |
130.411 |
| transcript.whisperx[4].text |
那這跟地下錢莊有何不同地下錢莊只是遮遮掩掩不是嗎那他們是有牌的地下錢莊公然的在社會上還講一些話說沒有他們那需要錢借不到向銀行借不到款的民眾們那怎麼辦要跟當鋪要跟地下錢莊借囉 |
| transcript.whisperx[5].start |
133.778 |
| transcript.whisperx[5].end |
160.03 |
| transcript.whisperx[5].text |
還講這種威脅的話我全然不接受 全然不接受那麼現在的亂象如果不再管他們這些鼠療三兄弟為首的這些融資公司已經啊 比方說他們底下的業務員已經跟詐騙集團勾結要欺負更多的民眾 |
| transcript.whisperx[6].start |
161.693 |
| transcript.whisperx[6].end |
163.976 |
| transcript.whisperx[6].text |
詐騙集團勾結 詐騙集團要騙錢啊透過你沒錢你怎麼給他騙 好啦他的業務員去招攬生意從註定公司借錢 借來給詐騙集團騙 |
| transcript.whisperx[7].start |
176.835 |
| transcript.whisperx[7].end |
202.745 |
| transcript.whisperx[7].text |
受害的民眾本來借不到錢就已經很傷腦筋他可能要從事一個小規模的自己的小生意可能要買個車子機車送貨等等結果反而被不肖的業務人員不肖的這個融資公司又把他們撥了另外一層皮然後 |
| transcript.whisperx[8].start |
204.798 |
| transcript.whisperx[8].end |
211.873 |
| transcript.whisperx[8].text |
鼠條三兄弟為首的這幾家大的他們 欸 貸款的觸角已經也到了不動產 |
| transcript.whisperx[9].start |
213.697 |
| transcript.whisperx[9].end |
242.214 |
| transcript.whisperx[9].text |
到了建設營造那個行業了本來啊我們國家的銀行貸款給這些不動產業者有個上限中央銀行規定每個銀行貸款給不動產給建設公司建設行業不得超過他當日存款總額的百分之三十用這樣子來控管對不動產的放款這是對的結果 |
| transcript.whisperx[10].start |
244.035 |
| transcript.whisperx[10].end |
267.12 |
| transcript.whisperx[10].text |
這些薯條山兄弟他大剌剌的把錢搬給這個不動產業者那這就成了這個破口嘛因為薯條山兄弟他們不屬於金融業不是銀行業不受這個管制啊那軍管會 |
| transcript.whisperx[11].start |
268.927 |
| transcript.whisperx[11].end |
283.692 |
| transcript.whisperx[11].text |
總是在我黃珊珊委員好幾位委員關注之下總算他們翻箱倒櫃找了金包法說用金包法把薯條三兄弟先納管那他們的好意我接受他們是說啊 |
| transcript.whisperx[12].start |
284.992 |
| transcript.whisperx[12].end |
312.755 |
| transcript.whisperx[12].text |
王思謙你講的這個租賃金融公司管理法它裡面很多我們都把它列入列入這個金保法啦這個金保法但是必須去找薯條三兄弟商量說把你納管要他經過他同意要把他納管給薯條三兄弟一個重量的機會就對了 |
| transcript.whisperx[13].start |
315.055 |
| transcript.whisperx[13].end |
339.421 |
| transcript.whisperx[13].text |
結果鼠寮三兄弟好啦 聽一聽他就說好吧他也說好但是我認為金保法只是個過渡金保法是為了我們要快速的保護金融消費者就是受害的民眾們我們可以透過它來債務協商喔 那這個暫行可以但是進一步一定要租賃 農事公司管理法我為什麼這麼講因為我們 |
| transcript.whisperx[14].start |
342.442 |
| transcript.whisperx[14].end |
368.89 |
| transcript.whisperx[14].text |
進一步的這個專法才能夠對這些二職的鼠療三兄弟跟這些農資公司才可以對他們做行政監督跟業務監督啦所以我認為這個農資公司的成立圖靈公司的成立需要經過主管機關的許可必須取得證照才可以營業而且我認為這個證照必須一定的年限比方說五年他就必須重新申請然後 |
| transcript.whisperx[15].start |
370.17 |
| transcript.whisperx[15].end |
380.217 |
| transcript.whisperx[15].text |
這些融資業者不得借牌如果違反有刑事責任那必須製作聯報接受檢查的義務我認為這些都必須把它納入 |
| transcript.whisperx[16].start |
381.636 |
| transcript.whisperx[16].end |
409.071 |
| transcript.whisperx[16].text |
然後他如果違反這些行政監督管理的項目我們應該可以停止他融資業務可以解除融資業務者相關人的職務然後我們進一步可以廢止這個許可證可以不讓這個融資公司這個租賃公司再橫行霸道然後這些公司背後的控制公司控股公司也必須接受 |
| transcript.whisperx[17].start |
410.64 |
| transcript.whisperx[17].end |
434.498 |
| transcript.whisperx[17].text |
融資專法的管理比方說一樣對這個公司犯了錯誤背後的控制公司自然也應當受到罰還甚至 甚至一樣就是所有的處罰有刑罰的部分也能夠對背後的控股公司那網路不當的廣告啦那本來就應該限制 |
| transcript.whisperx[18].start |
435.499 |
| transcript.whisperx[18].end |
458.775 |
| transcript.whisperx[18].text |
限制而且要移除他們在網頁繼續來使用那業務監督的上面我認為對於借貸金額的上限我認為對借貸的利率還有他們巧立名目很多啊他們巧立什麼違約金啦手續費貸辦費自納金講一大堆反正他就是高利貸就對了 |
| transcript.whisperx[19].start |
460.076 |
| transcript.whisperx[19].end |
479.463 |
| transcript.whisperx[19].text |
那我認為利息也必須限制否則現在的亂象現在亂象到什麼程度他們公然跟貸款人說你去成立假的公司或者做假的買賣契約為什麼要做假的買賣契約假的買賣契約比比皆是因為 |
| transcript.whisperx[20].start |
480.8 |
| transcript.whisperx[20].end |
509.03 |
| transcript.whisperx[20].text |
這些租賃公司 鼠貓三兄弟他要規避民法的重力罪要規避重力罪所以他就假的買賣契約所以一大堆的不必要的亂象跑了出來所以我認為當然在業務上要做對他們的除了行政監督也要做業務監督然後很重要的業務監督就是不得對第三人吹嗅也不得 |
| transcript.whisperx[21].start |
510.611 |
| transcript.whisperx[21].end |
529.949 |
| transcript.whisperx[21].text |
委請討債公司那個那個 催收這一點非常重要這一點我甚至認為他們債權移轉都還必須主管機關同意否則他找討債公司他說我沒有違法啊我不知道他討債公司啊他說 |
| transcript.whisperx[22].start |
530.669 |
| transcript.whisperx[22].end |
544.727 |
| transcript.whisperx[22].text |
我是轉 移轉債權的我販賣我這個債權欸 債權的移轉不需要債務人同意他不必告訴你債務人他債權人就 債權本來就可以移轉啦所以他移轉給他 |
| transcript.whisperx[23].start |
546.375 |
| transcript.whisperx[23].end |
563.055 |
| transcript.whisperx[23].text |
討債公司所以各位我很沉動的舉出簡簡單單講這一些我要說的就是說台灣價值裡面除了我們有平等的工作權平等的教育權以外我們每一個國民要有平等的借貸權才對嘛 |
| transcript.whisperx[24].start |
564.717 |
| transcript.whisperx[24].end |
583.351 |
| transcript.whisperx[24].text |
遭受借貸的業務光明磊落 銀行來借才對啊銀行如果說 你的信用不好 你沒有抵押品 你出出社會的話你是消費性貸款的話 可以你可以限制金額嘛 你可以提高利率嘛 |
| transcript.whisperx[25].start |
584.544 |
| transcript.whisperx[25].end |
608.067 |
| transcript.whisperx[25].text |
貸款給需要者 本來就是銀行的責任啊銀行怎麼可以假借那一大堆理由假借那一大堆理由以後 結果放款了五千億光是薯條三兄弟就五千億大家想想看 這是多可怕 多麼可惡的罪行啊所以我希望 金管會醒一醒 |
| transcript.whisperx[26].start |
609.147 |
| transcript.whisperx[26].end |
634.037 |
| transcript.whisperx[26].text |
銀行歸金管會管未來我認為這些融資租賃公司也應該歸金管會管金管會才有專業的金融監理人員你們才拿這些可惡的金融怪獸你才拿他們有辦法但是要有辦法之前我們就真的要先立這個辦法這個辦法就是融資租賃公司管理法好 謝謝主席好 謝謝黃偉銀 |
| transcript.whisperx[27].start |
636.738 |
| transcript.whisperx[27].end |
642.852 |
| transcript.whisperx[27].text |
的發言 下面請台大的陳教授 陳兆鴻 陳教授 發言請 |