| IVOD_ID |
161815 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/161815 |
| 日期 |
2025-05-22 |
| 影片種類 |
Clip |
| 開始時間 |
2025-05-22T11:21:18+08:00 |
| 結束時間 |
2025-05-22T11:28:14+08:00 |
| 影片長度 |
00:06:56 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/1976c9e92d55c2f93a8d4b7b1d8ce1f63ea4f37320387eacb229dfd5e6d71d206d774e8af3129ea05ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
鍾佳濱 |
| 委員發言時間 |
11:21:18 - 11:28:14 |
| 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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謝謝主席今天的公聽會非常感謝趙偉的安排讓我們對這麼重要的民生課題邀請各界的學者專家也提供了非常精闢的見解供我們未來在修法的時候參考那今天呢我還是要來回顧一下儘管各位專家學者的分析非常到位但是呢其他的消費大眾或民眾是否能夠了解問題的嚴格為什麼會是今天這個樣子多位學者專家提到了消精跟氣精 |
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其實結合融資公司的不當銷售大家常常提到年輕人被無卡分歧所消費所詐騙了怎麼說呢 |
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照說我們年輕人的消費信用卡買個東西信用卡設定分期六期十二期很常見那怎麼可以不用信用卡就可以來分期呢其實它這裡面它是把你的購買契約轉成了一個借貸契約你本來跟他買一組化妝品跟他買一個婦夫美容的課程服務結果呢你 |
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信用卡你沒有信用卡你把一些個資交給他之後他用你的名義去辦理一個信用貸款然後呢你必須分期償付給這一個銷售公司但是實質上背債的是你背了另外一個出錢借你的人的債這就是我們典型的五卡分期當中以為是購買其實是欠債這是一個消費者不清楚的情況之下他被兩個行為混淆了到底是消費還是租賃還是那個還是借貸往下看 |
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接下來呢另外一個借貸轉租令受害者背了銀行信貸的債務還不知道那是怎麼情況呢我們講通常這個受害者他是要借錢但是信用不加銀行不借給他於是呢融資公司透過廣告找上了他告訴他說你的機車你拿來把我跟你購買使用權所以完全機車沒有過戶他那個用了20年的機車破破爛爛的剛好有些人只值3000塊 |
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結果他說 這個機車呢 我跟你購買使用權我付你30萬 |
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然後呢我把這個機車的使用權呢租給你你每個月要付我租金但是在這個情況之下受害者交了他的個人資料之後呢卻讓這個融資公司去跟銀行辦了一個信貸這個信貸的償還人是受害者可是他每個月以為他付機車的租金是付給了什麼付給了這個融資公司他巧妙的運用了其實他其實是一個借貸但是他用一個誤轉移成一個租賃的方式跟你收錢 |
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但是我們把這個人換掉這是消費者我們要換掉一個企業一個營造廠他因為沒有辦法跟銀行取得大量的融資他沒有辦法去購買工程機具因此他找了一個融資我們的租賃公司這個租賃公司跟他打了一個合約說你這筆錢你去買了挖土機買了怪手買了起重機 |
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但是呢你設定之後設定給我那我用租賃的方式給你你每個月付我租金然後呢付完了這個就是你的了 |
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233.314 |
| transcript.whisperx[9].text |
有什麼不一樣 差在這個地方當時企業的時候他很清楚知道他的對象是一個融資公司他是因為借不到錢 他要買這個器具然後他用這樣的租賃方式把他的現金不足的部分解決了他並沒有欠銀行錢融資公司是用本票跟銀行取得融資之後借給他這個融資償還的風險是融資公司在承擔 |
| transcript.whisperx[10].start |
235.754 |
| transcript.whisperx[10].end |
248.139 |
| transcript.whisperx[10].text |
但是在剛才的宵禁的情況之下他是個資被融資公司拿去辦理信貸為什麼他辦辦不通這個融資公司辦辦得通這就是內神通外偉的問題但是負債負誰的債負這個銀行的債 |
| transcript.whisperx[11].start |
250.854 |
| transcript.whisperx[11].end |
279.677 |
| transcript.whisperx[11].text |
所以我們都知道融資跟租賃其實這個行業早就有了因為無法融資改用租賃的方式解決企業他的融資的需求但是到了銷經之後他確立了一個詐騙的手法使得消費者背上了不明的債務這才是我們今天遇到的詐騙的問題往下看所以今天我們看到那時候我們提出來洗錢防治法有沒有融資性租賃規範進去了他要定期查核要指定事項他要法務部來管夠嗎不夠往下看 |
| transcript.whisperx[12].start |
280.638 |
| transcript.whisperx[12].end |
305.804 |
| transcript.whisperx[12].text |
現在顯然房產還說要有交易紀錄要保存交易紀錄出現了剛剛在銷經的融資租賃當中最常發現的是消費者根本不知道自己欠了錢沒有看到租賃的合約也沒有看到什麼借貸的合約因為所有的公司所有的事情公司幫你解決了融資公司幫你解決 往下看所以後來我們看到了根據金融消費者保法第十條要錄音錄影取代了他沒有辦法出示這些契約但是這個夠不夠這個不夠 |
| transcript.whisperx[13].start |
307.964 |
| transcript.whisperx[13].end |
332.997 |
| transcript.whisperx[13].text |
所以我們今天要來立法或者來修法如果是要修金融消費者保護法就必須針對現在的詐騙行為針對新興的對銷金的手法予以規則予以克犯不然的話我們現在會誤打一個範圍如果我們另另專法那專法就是特許啊納管就是一個特許嘛那麼這種借貸的行為人類有文明以來有貨幣發明以來就在借貸 |
| transcript.whisperx[14].start |
333.897 |
| transcript.whisperx[14].end |
355.291 |
| transcript.whisperx[14].text |
地下錢莊要不要納管單純的借貸要不要納管所以我們在發現既有的民法的各種的法律都有對民間的金錢借貸都有一些規範但是今天把借貸跟租賃巧妙的結合來應付企業的需求這樣的一個公司絕對不會規模小可能俗稱的鼠條三兄弟它就規模很大 |
| transcript.whisperx[15].start |
356.291 |
| transcript.whisperx[15].end |
368.8 |
| transcript.whisperx[15].text |
這個時候要不要給他納入特許來管理這個主管機關要深思但是如果面對上千家打著類似跟薯條上東西類似的名號叫忠什麼的啦不是我的忠啦 |
| transcript.whisperx[16].start |
369.793 |
| transcript.whisperx[16].end |
388.652 |
| transcript.whisperx[16].text |
那這樣的公司他只是用他跟銀行去借信貸的這樣的一個手法來詐騙消費者讓他們以為手頭的周轉不靈你可以透過拿一個物件跟我做成立一個租賃關係之後呢我就可以幫你拿到一筆錢從中扣了高行的手續費然後呢你卻背下了不明銀行的債務 |
| transcript.whisperx[17].start |
390.214 |
| transcript.whisperx[17].end |
405.39 |
| transcript.whisperx[17].text |
這個時候到底要怎麼避免消費者受害我們要審慎的來思考精準的來立法才能打擊大家所痛惡的透過消費租賃這個租賃融資的方式被詐騙的這樣的一個惡果 謝謝謝謝中委員的發言 包括委員會我們今天啊 公聽會這個所有登記的 |