| IVOD_ID |
15823 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Full/1M/15823 |
| 日期 |
2024-04-18 |
| 會議資料.會議代碼 |
委員會-11-1-20-9 |
| 會議資料.會議代碼:str |
第11屆第1會期財政委員會第9次全體委員會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
1 |
| 會議資料.會次 |
9 |
| 會議資料.種類 |
委員會 |
| 會議資料.委員會代碼[0] |
20 |
| 會議資料.委員會代碼:str[0] |
財政委員會 |
| 會議資料.標題 |
第11屆第1會期財政委員會第9次全體委員會議 |
| 影片種類 |
Full |
| 開始時間 |
2024-04-18T08:31:31+08:00 |
| 結束時間 |
2024-04-18T12:51:00+08:00 |
| 影片長度 |
04:19:29 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://h264media01.ly.gov.tw:443/vod_1/_definst_/mp4:1M/b41997f390c3528e0a0e131ea932df62d8b52470c073da943be8d109af184be4fac25c8354f775335ea18f28b6918d91.mp4/playlist.m3u8 |
| 會議時間 |
2024-04-18T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第1會期財政委員會第9次全體委員會議（事由：一、處理中華民國113年度中央政府總預算決議，有關行政院主計總處預算凍結書面報告案15案。
二、處理中華民國113年度中央政府總預算決議，有關第二預備金預算凍結書面報告案1案。
三、處理中華民國113年度中央政府總預算決議，有關審計部主管預算凍結書面報告案11案。
四、審查中華民國113年度中央政府總預算決議，有關行政院主計總處預算凍結書面報告案3案。
五、審查「證券投資信託及顧問法」3案：（僅詢答）
(一)行政院函請審議、本院委員郭國文等16人擬具「證券投資信託及顧問法部分條文修正草案」等2案。
(二)本院委員林楚茵等17人擬具「證券投資信託及顧問法第一條、第二條及第三條之一條文修正草案」案。
六、審查本院委員郭國文等16人擬具「不動產證券化條例部分條文修正草案」案。（僅詢答）） |
| 委員名稱 |
完整會議 |
| 委員發言時間 |
08:31:31 - 12:51:00 |
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| transcript.whisperx[0].start |
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好請主任秘書報告出席委員人數報告委員會出席委員與主法定人數好現在開始開會請議事人宣讀上次會議議事錄立法院第11屆第1會期財政委員會第8次全體委員會議議事錄時間中華民國113年4月17日星期三九十一分至十三時十四分地點群仙樓九樓大禮堂出席委員林德福等14人列席委員林楚英等19人列席官員金融監督管理委員會主任委員黃天牧 |
| transcript.whisperx[1].start |
1806.181 |
| transcript.whisperx[1].end |
1834.794 |
| transcript.whisperx[1].text |
財政部部長莊翠雲、經濟部政務次長陳振祺等主席、郭昭吉委員國文、包思向因宣讀上次會議議事錄決定議事錄確定而邀請金融監督管理委員會黃主任委員天牧財政部莊部長翠雲、經濟部行政院消費者保護處就如何改善我國融資公司因缺乏監管所衍生之社會亂象以穩定金融市場並保障消費者權益進行專題報告並被質詢另邀請內政部警政署、法務部列席備詢 |
| transcript.whisperx[2].start |
1836.014 |
| transcript.whisperx[2].end |
1863.572 |
| transcript.whisperx[2].text |
請金融監督管理委員會主任委員黃天牧、財政部部長莊翠盈、經濟部政務次長陳正琦、行政院消費者保護處處長鍾瑞蘭分別提出報告後,藉由委員林德甫等21人提出質詢。均經經濟部政務次長陳正琦等予以答覆。決定。一、報告及詢答完畢。二、委員質詢會及答覆或請補充資訊。請相關部會於一周內書面答覆。委員另要求期限者從即鎖定。三、委員陳廷飛、王定宇、邱志偉 |
| transcript.whisperx[3].start |
1864.372 |
| transcript.whisperx[3].end |
1868.838 |
| transcript.whisperx[3].text |
所提書面質詢列入記錄看證公報並請相關部會以書面答覆宣傳筆在場我們為主法定人數議事錄暫不確定請議事人員宣讀今日議程 |
| transcript.whisperx[4].start |
1882.811 |
| transcript.whisperx[4].end |
1891.998 |
| transcript.whisperx[4].text |
一、處理中華民國113年度中央政府總預算決議，有關行政院主計總處預算凍結書面報告案15案。二、處理中華民國113年度中央政府總預算案，有關第二預備金預算凍結書面報告案1案。三、處理中華民國113年度中央政府總預算決議，有關審計部主管 |
| transcript.whisperx[5].start |
1899.344 |
| transcript.whisperx[5].end |
1919.567 |
| transcript.whisperx[5].text |
預算凍結書面報告案11案四、審查中華民國113年度中央政府總預算決議．有關行政院主計總處預算凍結書面報告案3案。五、審查證券投資信託及顧問法3案。六、審查不動產證券化條例部份調研修正草案1案。宣傳完畢請在場各位委員對上次的議事錄有異議 |
| transcript.whisperx[6].start |
1921.36 |
| transcript.whisperx[6].end |
1946.728 |
| transcript.whisperx[6].text |
好,無異議事錄確定接著我們原例介紹在場的委員與與會的政府官員首先我們介紹我們兩位資深的這個委員一位是林德福委員吳秉慧委員好,我們接著介紹在場的官員行政院財政主計金融處代理處長王淑端王處長 |
| transcript.whisperx[7].start |
1949.366 |
| transcript.whisperx[7].end |
1959.995 |
| transcript.whisperx[7].text |
行政院主計總處主計長朱哲銘主計長中貴處李毅君處長公務預算處徐永毅處長基金預算處黃淑娟處長會計決算處許毅娟處長綜合統計處蔡玉泰處長國事普查處陳慧欣副處長 |
| transcript.whisperx[8].start |
1977.757 |
| transcript.whisperx[8].end |
1998.486 |
| transcript.whisperx[8].text |
主計資訊處我們吳淑慧處長主計是我們詹英俊主任主計人員訓練中心張維銘執行長地方統計推展中心李嘉航執行長我們審計部有審計長陳瑞銘審計長第一廳廳長林汝林林廳長 |
| transcript.whisperx[9].start |
2006.024 |
| transcript.whisperx[9].end |
2034.161 |
| transcript.whisperx[9].text |
副審是陳正雍陳主任資訊處邱團寶邱處長審計人員訓練委員會許哲元執密會計是王雪林主任台中審計處吳錦祥處長台南審計處陳山明處長高雄市審計處林建成處長我們金融監督管理委員會主任委員黃天牧黃竹偉 |
| transcript.whisperx[10].start |
2036.021 |
| transcript.whisperx[10].end |
2062.882 |
| transcript.whisperx[10].text |
政局局張振山局長保險局司瓊華局長銀行局林志吉副局長檢察局張子昊局長台灣證券交易所股份有限公司簡立中總經理吉寶股份有限公司陳德湘總經理 |
| transcript.whisperx[11].start |
2066.182 |
| transcript.whisperx[11].end |
2085.371 |
| transcript.whisperx[11].text |
桂滿中興陳永成董事長李愛玲總經理財政部稅務署宋秀琳署長蘇三思張素貞副署長內政部何俊達專委 |
| transcript.whisperx[12].start |
2088.284 |
| transcript.whisperx[12].end |
2092.112 |
| transcript.whisperx[12].text |
國土署王武聰組長經濟部商業署翁慶廷組長 |
| transcript.whisperx[13].start |
2096.676 |
| transcript.whisperx[13].end |
2118.861 |
| transcript.whisperx[13].text |
法務部林鋒文三次以上請議事人宣讀報告事項有關於中華民國113年度中央政府總預算行政院主計總處主管預算解凍案書面報告15案第二預備金預算解凍案書面報告1案及審計部主管預算解凍案書面報告11案 |
| transcript.whisperx[14].start |
2122.779 |
| transcript.whisperx[14].end |
2146.679 |
| transcript.whisperx[14].text |
處理中華民國113年度中央政府總預算決議，有關行政院主計總處預算凍結書面報告案15案。一、行政院主計總處決議一、凍結第一幕一般行政向下政府內部控制監督機制規劃及督導預算十分之一。二、行政院主計總處決議二、凍結第二幕中央總預算合編及執行預算十分之一。三、行政院主計總處決議三、凍結第二幕中央總預算合編及執行向下 |
| transcript.whisperx[15].start |
2147.119 |
| transcript.whisperx[15].end |
2165.669 |
| transcript.whisperx[15].text |
一、中央總預算之合編與執行之業務費預算十分之一、四、行政院主計總處四、凍結第二幕中央總預算合編及執行向下、中央總預算之合編與執行預算的十分之一、五、行政院主計總處決議五、凍結第二幕中央總預算合編及執行向下、中央總預算之合編與執行中、業務費至一般事務費 |
| transcript.whisperx[16].start |
2166.81 |
| transcript.whisperx[16].end |
2185.32 |
| transcript.whisperx[16].text |
預算20分之一6、行政院主計總處決議．6凍結第二幕．中央總預算合併及執行向下地方政府主計業務之督導與查核．預算20分之一7、行政院主計總處決議．7凍結第三幕．特總基金．預算合併及執行．預算10分之一8、行政院主計總處決議．10凍結第五幕．綜合統計業務向下．辦理綜合統計之業務．業務份預算50萬元9、決議十二．凍結第六幕．國事普查業務向下 |
| transcript.whisperx[17].start |
2196.616 |
| transcript.whisperx[17].end |
2213.163 |
| transcript.whisperx[17].text |
辦理工業及服務業普查中業務費之委頒備預算十分之一10、決議十三、凍結第二幕、國事普查業務向下、受僱員工薪資調查及生產力統計之業務費預算十分之一11、決議十四、凍結第七幕、主計訓練業務預算十分之一12 |
| transcript.whisperx[18].start |
2215.521 |
| transcript.whisperx[18].end |
2233.675 |
| transcript.whisperx[18].text |
決議十五凍結第八目主計資訊業務向下統計及行政資訊管理中業務費資資訊服務費預算十分之一13決議十六凍結第八目主計資訊業務向下資訊系統委員管理中業務費資資訊服務費預算十分之一14決議十七凍結第八目主計資資資訊業務向下經費結報及薪資資訊管理中業務費資資訊服務費預算十分之一15 |
| transcript.whisperx[19].start |
2240.58 |
| transcript.whisperx[19].end |
2249.446 |
| transcript.whisperx[19].text |
決議十八、凍結第九目一般建築及設備第三屆其他設備向下設備及投資資訊軟硬體設備費預算十分之一。三、處理中華民國113年度中央政府總決算決議．行政院主計總處檢送第二29款第二預備金決議一．凍結該款預算二十分之一。 |
| transcript.whisperx[20].start |
2261.173 |
| transcript.whisperx[20].end |
2275.052 |
| transcript.whisperx[20].text |
書面報告案四、處理中華民國113年度中央政府總決算決議，有關審計部主管預算凍結書面報告案11案。一、決議凍結第二目中央政府審計向下中央政府審計工作資業務費預算50萬元。二、審計 |
| transcript.whisperx[21].start |
2278.155 |
| transcript.whisperx[21].end |
2305.09 |
| transcript.whisperx[21].text |
決議二、凍結第二幕、中央政府審計向下、中央政府審計工作中、業務費之教育訓練費預算50萬元。三、決議三、凍結第二幕、中央政府審計向下、中央政府審計工作中、業務費之資訊服務費預算十分之一。四、決議四、凍結第二幕、中央政府審計向下、中央政府審計工作中、業務費之資訊服務費預算50萬元。五、決議五、凍結第二幕、中央政府審計向下、中央政府審計工作預算20萬元。六、決議六、 |
| transcript.whisperx[22].start |
2306.711 |
| transcript.whisperx[22].end |
2328.508 |
| transcript.whisperx[22].text |
凍結第二幕中央政府審計向下審計訓練預算十分之一。七、決議七凍結第三幕縣市地方審計向下縣市地方審計工作之業務費預算十分之一。八、決議八凍結第四幕一般建築及設備第二節其他設備向下審計業務電腦化系統更新中設備及投資之資訊軟硬體設備費預算十分之一。九、臺北市 |
| transcript.whisperx[23].start |
2329.721 |
| transcript.whisperx[23].end |
2334.366 |
| transcript.whisperx[23].text |
台中市審計處決議．一凍結第二幕審計業務預算20分之一10台南市審計處決議．一凍結第二幕審計業務預算20分之一11高雄市審計處決議．一凍結第二幕審計業務預算20分之一宣傳筆 |
| transcript.whisperx[24].start |
2348.737 |
| transcript.whisperx[24].end |
2372.805 |
| transcript.whisperx[24].text |
請問各位委員針對以上預算解凍案書面報告有無異議?無異議書面報告完成均準與動之提報院會那書面報告完成的相關單位那個可以先行離席包括審計部還有行政院的這個王大理處長 |
| transcript.whisperx[25].start |
2378.151 |
| transcript.whisperx[25].end |
2404.208 |
| transcript.whisperx[25].text |
好,接著我們請議事人宣讀今日議程之討論事項。討論事項一、審查中華民國113年度中央政府總預算決議．有關行政院主計總處預算凍結書面報告案3案。一、決議八、凍結第四目、會計及決算業務預算十分之一。二、決議九、凍結第五目、綜合統計業務預算十分之一。三、決議十一、凍結第六目、國事普查業務預算十分之一。 |
| transcript.whisperx[26].start |
2405.339 |
| transcript.whisperx[26].end |
2430.861 |
| transcript.whisperx[26].text |
二、審查證券投資信託及顧問法3案一、行政環境審議本院委員郭國文等16人擬拒證券投資信託及顧問法部分條文修正草案等二案二、本院委員林楚英等17人擬拒證券投資信託及顧問法第一條、第二條及第三條之一條文修正草案三、審查本院委員郭國文等16人擬拒不動產證券化條例部分條文修正草案。選到完畢 |
| transcript.whisperx[27].start |
2438.945 |
| transcript.whisperx[27].end |
2458.774 |
| transcript.whisperx[27].text |
七、議程安排審查中華民國113年度中央政府總預算行政院主計總處主管預算解凍案書面報告3案。繼行政院含情審議、政卷投資信託及顧問法部分條文修正草案等3案。委員郭國文等16人擬拒不動產政卷化條例部分條文修正草案。 |
| transcript.whisperx[28].start |
2459.574 |
| transcript.whisperx[28].end |
2476.367 |
| transcript.whisperx[28].text |
其中法案部分將先請提案委員說明提案要旨後再請金融監督管理委員會黃祖樂委員報告並回應委員提案內容最後請行政院主計總處朱主計長就預算解凍案進行報告請郭國文委員說明提案要旨 |
| transcript.whisperx[29].start |
2482.525 |
| transcript.whisperx[29].end |
2511.198 |
| transcript.whisperx[29].text |
謝謝主席在場委員以及所有的官員本席這一次的提案包括不動產證券化條例部分條文修正案及投信投顧法部分條文修正案主要是因應主管機關將現行的不動產證券化的改採為雙軌制除了現行的信託型的REIT之外增加了基金型的REIT開放不動產投資信託公司可以募集不動產的信託基金 |
| transcript.whisperx[30].start |
2511.878 |
| transcript.whisperx[30].end |
2528.29 |
| transcript.whisperx[30].text |
理論上這應該是在一部專法裡頭來處理完成那也就是在不動產證券化條例當中一併來規範但主管機關選擇在投信投估法來規範除了顯示增加基金型之外制度內涵變動並不大 |
| transcript.whisperx[31].start |
2529.651 |
| transcript.whisperx[31].end |
2558.279 |
| transcript.whisperx[31].text |
但是為了遷就修法的架構所以本席針對兩部法案都提出修正避免制度上的衝突本席修法的意旨除了活絡不動產、證券化的市場外也希望擴大投資範圍讓資金能夠進入公共建設避免油資過多的問題因此我的版本放寬了不動產的定義依照民法傳統的定義沒有額外的條件讓各種形態的公共建設或促餐的模式都盡可能的能夠成為投資標的 |
| transcript.whisperx[32].start |
2559.199 |
| transcript.whisperx[32].end |
2586.176 |
| transcript.whisperx[32].text |
另外不採用過去以來沿用的開發型不動產的分類因為實際上只是興建的過程應用分類反而造成混淆當然投資心中的不動產風險相對高也授權主管機關可以訂定條件限制及其投資的比例相對於院版直接明定比例的做法相對比較有開放與彈性其實院版在投資開發型不動產採證面表列方式只有督根 |
| transcript.whisperx[33].start |
2586.956 |
| transcript.whisperx[33].end |
2605.983 |
| transcript.whisperx[33].text |
與公共建設不但限制過嚴也與實務不符不但在最需要資金投入的階段不能參與甚至在限制不得投資政府及關股參與的標的美其名是避免道德風險但這樣限制上與我國現狀不符而且有因非業實之可能 |
| transcript.whisperx[34].start |
2606.283 |
| transcript.whisperx[34].end |
2625.979 |
| transcript.whisperx[34].text |
不應該因為擔心可能出現弊端就全面性的禁止而應該想辦法防堵弊端所以我在這兩個方案當中都參數相關的限制授權主管機關自行訂定執法這樣主管機關可以針對不同類型的規定不同的條件來進行投資的比重 |
| transcript.whisperx[35].start |
2626.819 |
| transcript.whisperx[35].end |
2655.436 |
| transcript.whisperx[35].text |
當然如果主管機關認為這次的修法只是保守修法只是要開放雙軌並沒有意識大幅度的改善現行的問題那麼我們就逐條討論的時候再討論看看如何獲取共識但也請主管機關思考一下修法的目的以及修法是不是有助於活動現在的市場現在上市的REIT只有6檔而每天只有100多萬的成交量跟台股每天5000億的成交量 |
| transcript.whisperx[36].start |
2656.096 |
| transcript.whisperx[36].end |
2657.858 |
| transcript.whisperx[36].text |
第二位我們請林篤英委員說明提案要旨。 |
| transcript.whisperx[37].start |
2684.694 |
| transcript.whisperx[37].end |
2706.281 |
| transcript.whisperx[37].text |
謝謝主席。感謝莊委、郭國文委員、排審今天有本席與17位立法同仁所擬定的政卷投資信託及顧問法第一條跟第二條、第三條之一的修正草案。我想這樣的案子如果顧名思義,事實上很多人會不知道到底這個方向、修法的方向重點是什麼。 |
| transcript.whisperx[38].start |
2707.301 |
| transcript.whisperx[38].end |
2709.623 |
| transcript.whisperx[38].text |
其實不動產的投資金額是非常龐大的並非一般小資散戶能夠輕易投資的標的但是如果透過不動產證券化的過程分為小單位有價證券就可以讓投資人有機會以較小的金額參與不動產市場那麼我國不動產證券化條例是在2003年 |
| transcript.whisperx[39].start |
2729.38 |
| transcript.whisperx[39].end |
2751.805 |
| transcript.whisperx[39].text |
指定的到現在也超過了20年目前市場上信託型的REIT其實只有7檔規模大概只有1000億左右相較於美國的45兆日本的4兆新加坡的2.5兆的規模其實有很大的提升空間而鄰近的亞洲國家像是香港、新加坡、日本 |
| transcript.whisperx[40].start |
2752.165 |
| transcript.whisperx[40].end |
2752.766 |
| transcript.whisperx[40].text |
兩、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[41].start |
2770.427 |
| transcript.whisperx[41].end |
2793.356 |
| transcript.whisperx[41].text |
及基金規模小、流動性差所以很難受到投資人跟市場上面的青睞所以本席特別提案參酌國外不動產投資信託制度新增不正產投資信託業務以促進資產管理服務市場之多元化的發展為目標在投資標的上也希望將公共建設等基礎設施納入投資標的 |
| transcript.whisperx[42].start |
2797.042 |
| transcript.whisperx[42].end |
2813.56 |
| transcript.whisperx[42].text |
以促進基礎建設及產業升級為目標同時又能活絡我國的金融市場但是為了避免國人所擔憂的就是不動產投資信託基金用於投資居住也就是我們一般所擔心的 |
| transcript.whisperx[43].start |
2814.201 |
| transcript.whisperx[43].end |
2833.759 |
| transcript.whisperx[43].text |
用於投資在我們民眾的住宅當中會造成房價不合理的上漲影響國民的居住權所以在本席的提案當中也特別標明了那就是不得為住宅法第三條第一款所規定之居住的住宅這是不能作為投資使用的 |
| transcript.whisperx[44].start |
2834.099 |
| transcript.whisperx[44].end |
2861.621 |
| transcript.whisperx[44].text |
其實在過去4年當中在上一屆的財政委員會這個案子就已經在討論當中金管會也來多次的到國外來考察取經因此今天能夠排審這個法案我也希望在520之前其實有機會在接下來的內閣上台之前我們其實可以把這個活絡金融市場的一個好的正向的法案能夠今天緊速的修法通過謝謝 |
| transcript.whisperx[45].start |
2866.651 |
| transcript.whisperx[45].end |
2871.959 |
| transcript.whisperx[45].text |
謝謝林委員的說明接下來請金管會黃主委報告並回應委員提案內容 |
| transcript.whisperx[46].start |
2880.27 |
| transcript.whisperx[46].end |
2903.044 |
| transcript.whisperx[46].text |
主席、各位委員、先進、大家好。今天貴委會審議,行政院函請審議郭委員、郭文等16人拟據《證券投資信託及顧問法》部分條文修正草案第二條。林委員、楚英等17人拟據《證券投資信託及顧問法》第二條及第三條之一條文修正草案。 |
| transcript.whisperx[47].start |
2904.345 |
| transcript.whisperx[47].end |
2924.463 |
| transcript.whisperx[47].text |
國務委員國文等16人擬具不動產證券化條例部分條文修正草案等案曾國務委員邀請提出報告以下緊就行政院含情審議的修正草案的擬定背景目的重點效益及本會對各位委員所提版本的意見報告如下 |
| transcript.whisperx[48].start |
2928.62 |
| transcript.whisperx[48].end |
2942.682 |
| transcript.whisperx[48].text |
修正草案的擬定背景這個案子頭信頭顧法歷經五次修正並沒有重大的改變但是這次是為了要活絡臺灣的不動產政治化市場 |
| transcript.whisperx[49].start |
2943.723 |
| transcript.whisperx[49].end |
2960.195 |
| transcript.whisperx[49].text |
案2、處理中華民國113年度中央政府總預算凍結書面報告案3、處理中華民國113年度中央政府總預算凍結書面報告案4、處理中華民國113年度中央政府總預算凍結書面報告案5、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案7、處理中華民國113年度中央政府總預算凍結書面報告案8、處理中華民國113年度中央政府總預算凍結書面報告案9、處理中華民國113年度中央政府總預算凍結書面報告案10、處理中華民 |
| transcript.whisperx[50].start |
2971.892 |
| transcript.whisperx[50].end |
2985.956 |
| transcript.whisperx[50].text |
很重點是不得投資供居住使用的住宅避免對房價造成影響並與現行依不動產正規化條例由受託機構發行的不動產投資信託基金制度並行才雙軌制運行。 |
| transcript.whisperx[51].start |
2990.831 |
| transcript.whisperx[51].end |
2994.112 |
| transcript.whisperx[51].text |
二、處理中華民國113年度中央政府總預算凍結書面報告案2案。netesi, |
| transcript.whisperx[52].start |
3017.654 |
| transcript.whisperx[52].end |
3041.605 |
| transcript.whisperx[52].text |
有關受益人或投資人權益的罰款金額由300萬提高到1500萬。以下報告修正重點有修正三、四條,新增八條。第一個是訂定了不動產投資信託事業的設立條件。這個不動產投資信託事業是可以對於REIT進行專業的積極管理。 |
| transcript.whisperx[53].start |
3044.966 |
| transcript.whisperx[53].end |
3067.722 |
| transcript.whisperx[53].text |
以往的信託型是透過在委託這個不動產公司來代為管理但是不動產投資信託是直接用專業的不動產投資的管理人員直接去管理它這是最重要的差別第二個就是專業不動產投資信託是因為有專業的股東參與那麼所用的股份不得少於發行股份的50 |
| transcript.whisperx[54].start |
3070.424 |
| transcript.whisperx[54].end |
3074.946 |
| transcript.whisperx[54].text |
第三、處理中華民國113年度中央政府總預算決議．有關金預算凍結書面報告案4、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[55].start |
3093.973 |
| transcript.whisperx[55].end |
3105.459 |
| transcript.whisperx[55].text |
一、處理中華民國113年度中央政府總預算凍結書面報告案2、處理中華民國113年度中央政府總預算凍結書面報告案3、處理中華民國113年度中央政府總預算凍結書面報告案4、處理中華民國113年度中央政府總預算凍結書面報告案5、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案7、處理中華民國113年度中央政府總預算凍結書面報告案8、處理中華民國113年度中央政府總預算凍結書面報告案9、處理中華民國 |
| transcript.whisperx[56].start |
3121.824 |
| transcript.whisperx[56].end |
3142.634 |
| transcript.whisperx[56].text |
這是第一點第二點就是這個不動產必須不是來短期的買賣必須要長期持有並且獲取穩定的收益而且呃陳儒剛才有幾位委員有提到了我們明定不得投資住宅那不要影響到或者被歸類影響到房價 |
| transcript.whisperx[57].start |
3144.639 |
| transcript.whisperx[57].end |
3163.894 |
| transcript.whisperx[57].text |
第三、參照國外體力。我們也允許在一定程序條件之下同意關係交易。比如說基金跟他的股東或是他的集團之間的人做一些不動產的買跟賣,但是必須要有相關嚴謹的程序。 |
| transcript.whisperx[58].start |
3165.376 |
| transcript.whisperx[58].end |
3173.425 |
| transcript.whisperx[58].text |
第四、處理中華民國113年度中央政府總預算凍結書面報告案5、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結 |
| transcript.whisperx[59].start |
3186.755 |
| transcript.whisperx[59].end |
3190.258 |
| transcript.whisperx[59].text |
二、處理中華民國113年度中央政府總預算凍結書面報告案2案。厲此可提供民眾參與投資這些大型商辦大樓基礎建設的機會 |
| transcript.whisperx[60].start |
3205.45 |
| transcript.whisperx[60].end |
3223.313 |
| transcript.whisperx[60].text |
那以前前述這些大型的不動產的標的大概都是少數企業集團或是專業投資機構才有能力投資那把它政見化之後切割之後讓一般民眾也可以去參與投資也增加國人投資的管道 |
| transcript.whisperx[61].start |
3225.56 |
| transcript.whisperx[61].end |
3240.759 |
| transcript.whisperx[61].text |
第8頁他可以創造新的就業機會那更重要的就是以往信託型的因為他是信託業本身另外他在委託另外一個不動產專業管理機構去管理比如說建金公司在運用跟效率上 |
| transcript.whisperx[62].start |
3241.34 |
| transcript.whisperx[62].end |
3243.722 |
| transcript.whisperx[62].text |
兩、處理中華民國113年度中央政府總預算決議．有關審計．有關審計 |
| transcript.whisperx[63].start |
3264.03 |
| transcript.whisperx[63].end |
3270.81 |
| transcript.whisperx[63].text |
至於說郭昭偉等16人所凝聚的正頭性口庫法部分條文修正案 |
| transcript.whisperx[64].start |
3272.711 |
| transcript.whisperx[64].end |
3300.541 |
| transcript.whisperx[64].text |
那我們跟行政院提案的版本比較有一些差異比方說放寬不動產中土地定著物跟所附設施的定義放寬相關有價證據的定義刪除基金架構為此一定比率投資穩定收入的這方面的規定等等因為時間有限我就不贅述那我想委員的建議版本跟行政院的這個差異大概 |
| transcript.whisperx[65].start |
3302.221 |
| transcript.whisperx[65].end |
3322.029 |
| transcript.whisperx[65].text |
案2、處理中華民國113年度中央政府總預算凍結書面報告案3、處理中華民國113年度中央政府總預算凍結書面報告案4、處理中華民國113年度中央政府總預算凍結書面報告案5、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案7、處理中華民國113年度中央政府總預算凍結書面報告案8、處理中華民國113年度中央政府總預算凍結書面報告案9、處理中華民國113年度中央政府總預算凍結書面報告案10、處理中華民 |
| transcript.whisperx[66].start |
3328.804 |
| transcript.whisperx[66].end |
3353.109 |
| transcript.whisperx[66].text |
眾上來講我們認為委員建議的版本跟行政院提案的版本的差異或涉及基金架構為主要投資的核心性質等規範我們覺得委員的提案利益甚佳不過從我們原來規範的條文來看我們建議是不是還是審慎評估或者說等到主條討論的時候大家再繼續交換意見 |
| transcript.whisperx[67].start |
3355.37 |
| transcript.whisperx[67].end |
3363.624 |
| transcript.whisperx[67].text |
那這是我想是不是目前還是能夠冒昧的建議是不是還是以行政院的送立法院修正的草案來辦理 |
| transcript.whisperx[68].start |
3366.497 |
| transcript.whisperx[68].end |
3393.169 |
| transcript.whisperx[68].text |
至於林委員、楚瑩等彌具相關的限制未得投資住宅的條文這跟目前行政院提案的版本相同我們尊重委員提案的意見第15頁有關郭委員、郭文等彌具的不動產政經化條例部分條文修正草案因為這邊的不動產政經化條例提的修正案子大體上跟 |
| transcript.whisperx[69].start |
3394.469 |
| transcript.whisperx[69].end |
3412.631 |
| transcript.whisperx[69].text |
前面的這個目前的投信投估法新增的不動產投資信託召委所建議的內容大體都類似所以我們建議是不是可以等到這個主條討論的時候再逐步跟委員請示 |
| transcript.whisperx[70].start |
3413.952 |
| transcript.whisperx[70].end |
3437.566 |
| transcript.whisperx[70].text |
目前來講我們是不是可以很冒昧的建議還是可以先依相關的現在的規定跟投信投顧法草案的規定來處理是否有當到等逐條討論的時候大家可以再交換意見那結與我想這次的修訂可以提升類似管理跟運用的效率協助產業投資跟發展等等 |
| transcript.whisperx[71].start |
3438.908 |
| transcript.whisperx[71].end |
3457.731 |
| transcript.whisperx[71].text |
兩、處理中華民國113年度中央政府總預算凍結書面報告案2、處理中華民國113年度中央政府總預算凍結書面報告案3、處理中華民國113年度中央政府總預算凍結書面報告案4、處理中華民國113年度中央政府總預算凍結書面報告案5、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案7、處理中華民國113年度中央政府總預算凍結書面報告案8、處理中華民國113年度中央政府總預算凍結書面報告案9、處理中華民國 |
| transcript.whisperx[72].start |
3465.973 |
| transcript.whisperx[72].end |
3482.225 |
| transcript.whisperx[72].text |
那麼是否而且可以增進資本市場的發展有深遠的注意所以再次有恭請各位委員能夠會議指教跟支持以上報告謝謝好謝謝黃田副主委接著我們請行政院主計總處朱主席長就預算解凍案進行報告 |
| transcript.whisperx[73].start |
3492.099 |
| transcript.whisperx[73].end |
3495.183 |
| transcript.whisperx[73].text |
主席、國務委員、議事先生、大院審議 |
| transcript.whisperx[74].start |
3496.713 |
| transcript.whisperx[74].end |
3525.612 |
| transcript.whisperx[74].text |
行政院主計總書113年度單位預算所作凍結決議僅向大院提出凍結報告進行支持。第一個是有關於會計決算業務編列420萬2千元的凍結預算十分之一那跟各位委員報告一下那個是本總書為了各機關的預算的核實編列每年都有編列這個是預算編列的 |
| transcript.whisperx[75].start |
3526.873 |
| transcript.whisperx[75].end |
3554.882 |
| transcript.whisperx[75].text |
原則而且會有一些注意辦理事項有一些編制辦法而且也有附屬單位應行注意事項另外一個在執行的時候本總署會協同國發會以及這個公共工程委員會督促過機關預算的執行而且會有一些落後的話我們也會提醒各部會要去執行而且找出它的原因在哪裡 |
| transcript.whisperx[76].start |
3555.282 |
| transcript.whisperx[76].end |
3560.806 |
| transcript.whisperx[76].text |
案2、處理中華民國113年度中央政府總預算凍結書面報告案3、處理中華民國113年度中央政府總預算凍結書面報告案4、處理中華民國113年度中央政府總預算凍結書面報告案5、處理中華民國113年度中央政府總預算凍結書面報告 |
| transcript.whisperx[77].start |
3574.536 |
| transcript.whisperx[77].end |
3580.741 |
| transcript.whisperx[77].text |
第二、處理中華民國113年度中央政府總預算決議．有關中華統計業務113年度中央政府總預算決議．有關中華統計業務113年度中央政府總預算決議．有關中華統計業務113年度 |
| transcript.whisperx[78].start |
3589.167 |
| transcript.whisperx[78].end |
3614.575 |
| transcript.whisperx[78].text |
大院報告的是說那這個是怎麼樣我們每年都有辦家庭所得分配的一個資料是透過實地訪查而且用功勞、榮保以及國保、健保等資料編制我國的一些家庭收支資料另外一個我們的家庭財富分配的資料我們大概會在這個月的月底對外一個分布 |
| transcript.whisperx[79].start |
3615.295 |
| transcript.whisperx[79].end |
3629.789 |
| transcript.whisperx[79].text |
對外一個花布另外一個有關於國事普查業務有編列9,899萬2千元是因為辦理農林榆木業普查工商業服務的普查國戶統計社會員工薪資調查及生產力統計凍結十分之一的話那我們 |
| transcript.whisperx[80].start |
3636.735 |
| transcript.whisperx[80].end |
3643.839 |
| transcript.whisperx[80].text |
案2、處理中華民國113年度中央政府總預算凍結書面報告案3、處理中華民國113年度中央政府總預算凍結書面報告案4、處理中華民國113年度中央政府總預算凍結書面報告案5、處理中華民國113年度中央政府總預算凍結書面報告 |
| transcript.whisperx[81].start |
3665.99 |
| transcript.whisperx[81].end |
3671.417 |
| transcript.whisperx[81].text |
案2、處理中華民國113年度中央政府總預算凍結書面報告案3、處理中華民國113年度中央政府總預算凍結書面報告案4、處理中華民國113年度中央政府總預算凍結書面報告 |
| transcript.whisperx[82].start |
3683.653 |
| transcript.whisperx[82].end |
3700.364 |
| transcript.whisperx[82].text |
總預算凍結書面報告案2、處理中華民國113年度中央政府總預算凍結書面報告案3、處理中華民國113年度中央政府總預算凍結書面報告案4、處理中華民國113年度中央政府總預算凍結書面報告案5、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案7、處理中華民國113年度中央政府總預算凍結書面報告案8、處理中華民國113年度中央政府總預算凍結書面報告案9、處理中華民國113年度中央政府總預算凍結書面 |
| transcript.whisperx[83].start |
3703.866 |
| transcript.whisperx[83].end |
3704.166 |
| transcript.whisperx[83].text |
憲政委員會主席 |
| transcript.whisperx[84].start |
3734.073 |
| transcript.whisperx[84].end |
3761.342 |
| transcript.whisperx[84].text |
好,謝謝朱主席長的報告接下來我們進行開始詢答先做以下的宣告每位出席委員花費時間為8分鐘必要時延長2分鐘每位列席委員發言時間為5分鐘今日上午10點截止發言登記本次會議委員若有相關的修正動議現在依根據順序請第一位林德福委員質詢 |
| transcript.whisperx[85].start |
3765.097 |
| transcript.whisperx[85].end |
3765.797 |
| transcript.whisperx[85].text |
謝謝主席是不是請那個金管會的黃竺偉有請黃竺偉 |
| transcript.whisperx[86].start |
3785.651 |
| transcript.whisperx[86].end |
3805.747 |
| transcript.whisperx[86].text |
主委你好我請教因為媒體報導去年一再傳出投信基金經理人跟擔的問題讓金管會警覺目前的事前事後的這些預防以及這個交易監控管理機制以不夠發聲嚇阻的作用 |
| transcript.whisperx[87].start |
3807.228 |
| transcript.whisperx[87].end |
3821.906 |
| transcript.whisperx[87].text |
那決定來修法那我請問主委你認為投信基金經理人出現跟單的問題到底是個案人模不章的問題還是投信公司本身公司治理出了重大的狀況 |
| transcript.whisperx[88].start |
3823.626 |
| transcript.whisperx[88].end |
3826.167 |
| transcript.whisperx[88].text |
二、處理中華民國113年度中央政府總預算凍結書面報告案2、處理中華民國113年度中央政府總預算凍結書面 |
| transcript.whisperx[89].start |
3848.876 |
| transcript.whisperx[89].end |
3868.746 |
| transcript.whisperx[89].text |
是不是重災我不敢講但是這種行為是不可取的不可取齁那個主委我再請教齁因為金成銀跟中信金談合併併購的金額至少有500億以上那金管會有沒有掌握這樣的一個消息 |
| transcript.whisperx[90].start |
3870.049 |
| transcript.whisperx[90].end |
3870.289 |
| transcript.whisperx[90].text |
那你們的態度呢? |
| transcript.whisperx[91].start |
3884.588 |
| transcript.whisperx[91].end |
3885.169 |
| transcript.whisperx[91].text |
我請主席記者 |
| transcript.whisperx[92].start |
3915.779 |
| transcript.whisperx[92].end |
3945.099 |
| transcript.whisperx[92].text |
主計長我請教因為央行總裁上個月說假如長期通膨平均漲幅到1.5%甚至於1.5%至2%很顯然就是通膨出現結構性的轉變那利率恐怕就不會像以前那麼低檔那我請問主計長假如通膨真的出現結構性的轉變你認為民眾在生活上面臨有哪些衝擊呢 |
| transcript.whisperx[93].start |
3947.38 |
| transcript.whisperx[93].end |
3951.441 |
| transcript.whisperx[93].text |
通膨出現結構性轉變的實質環境是不是從CPI變化可以推估啊? |
| transcript.whisperx[94].start |
3973.491 |
| transcript.whisperx[94].end |
4000.6 |
| transcript.whisperx[94].text |
欸那個CPI是一個市場現象很難做推估我們只能夠說他所做的結構現象是有些像服務業阿他的薪水一上去以後就比較不大可能下來所以說還是要參考他因為成本面的因素的影響對是要參考其他因素才能夠充分的判斷是不是對對對因為有市場的那個像像我某些容易受到那個災損阿或國際因素的影響的像油價之類的 |
| transcript.whisperx[95].start |
4003.041 |
| transcript.whisperx[95].end |
4025.753 |
| transcript.whisperx[95].text |
因為媒體報導齁主計總處總和統計處處長蔡玉泰表示長期CPI年增率會比過去高如果是相對穩定的狀態也是正面那如果每年1%或2%的增幅反映某種程度的需求有力量那企業就會這個調薪 |
| transcript.whisperx[96].start |
4028.835 |
| transcript.whisperx[96].end |
4029.615 |
| transcript.whisperx[96].text |
案2案3案4案5案6案7案8案9案10案11 |
| transcript.whisperx[97].start |
4049.925 |
| transcript.whisperx[97].end |
4065.258 |
| transcript.whisperx[97].text |
啊如果是相對穩定的態度也是正面的說法請問主計長你認同嗎我非常的認同因為他上去以後啊那個薪資的結構也跟著上去你硬要把他壓下來啊很可能會通貨緊縮 |
| transcript.whisperx[98].start |
4066.519 |
| transcript.whisperx[98].end |
4092.047 |
| transcript.whisperx[98].text |
好 那我請問你這種說法到底是呈現什麼必要的條件才是蔡處長所表達的相對穩定的狀態才是所謂的正面一個物價因為某些的一個衝擊它就像那個水平面的水一樣上去它上去以後將來是一個穩定的一個變化這一個是一個健康的現象好 那個主計長 |
| transcript.whisperx[99].start |
4092.987 |
| transcript.whisperx[99].end |
4115.845 |
| transcript.whisperx[99].text |
按照媒體報導蔡處長的說法CPI的廉增率是反映某種程度需求有力量那企業有機會來調薪那員工就有人力來消費長期來看是正面的反之啊倒過來如果硬要壓低CPI員工就不能加薪民眾不敢消費反而是惡性的循環那我請問主計長 |
| transcript.whisperx[100].start |
4117.486 |
| transcript.whisperx[100].end |
4124.929 |
| transcript.whisperx[100].text |
就你的了解,年度民間企業調薪的主要參考依據是CPI嗎?所以說是不是只有公務員調薪才以CPI作為標準,是不是這樣子? |
| transcript.whisperx[101].start |
4141.656 |
| transcript.whisperx[101].end |
4152.103 |
| transcript.whisperx[101].text |
公務員的調薪他只是一個指標因為公務人員的這個只有大概這個五六十萬人那我們全國的那個勞工是有大概近千萬人 |
| transcript.whisperx[102].start |
4153.339 |
| transcript.whisperx[102].end |
4168.033 |
| transcript.whisperx[102].text |
那請問主計長如果CPI年增率2%企業調薪也是年增超過2%以上那麼或許長期來看是正面的那問題是這樣的一個調薪規模請問這個主計長你認為是現實生活中這個企業調薪的常態嗎 |
| transcript.whisperx[103].start |
4178.143 |
| transcript.whisperx[103].end |
4206.551 |
| transcript.whisperx[103].text |
你跟那個委員報告一下薪資的調整應該也要看他的一個生產力的情況就是說他所謂就是勞工他所生產物品的一個價值啦就是他附加價值的提高他附加價值提高的話那勞工的薪資啊應該給他適當的報酬這樣子才有一個誘因那如果要是常態那長期來看當然是正面反之啊如果後毛領角的企業調薪生態 |
| transcript.whisperx[104].start |
4209.012 |
| transcript.whisperx[104].end |
4218.743 |
| transcript.whisperx[104].text |
請問不壓低CPI難道是要讓這些山稻猴子的個案增加轉化成多數民眾的通案嗎?你認為呢?那個是 |
| transcript.whisperx[105].start |
4221.137 |
| transcript.whisperx[105].end |
4245.534 |
| transcript.whisperx[105].text |
我們的統計是一般來講薪資都是一個往上的一個趨勢雖然最近的實質薪資並沒有說是有那麼多可是長期我們的薪資是一個往上的趨勢那更何況在貧富差距極端的環境光壓低CPI真的能夠緩和民眾生活 |
| transcript.whisperx[106].start |
4246.927 |
| transcript.whisperx[106].end |
4246.947 |
| transcript.whisperx[106].text |
福祉長 |
| transcript.whisperx[107].start |
4272.356 |
| transcript.whisperx[107].end |
4292.892 |
| transcript.whisperx[107].text |
我請問媒體報導台鐵公司公司化以後首次招募放榜但入取人卻不如預期有民眾認為最低起薪只有3.33萬條件實在是很難以吸引人所以說台鐵產業工會則建議台鐵在相關證照和 |
| transcript.whisperx[108].start |
4302.493 |
| transcript.whisperx[108].end |
4306.239 |
| transcript.whisperx[108].text |
這個加擠和津貼上應該要有所提升那我請問主計長 |
| transcript.whisperx[109].start |
4308.287 |
| transcript.whisperx[109].end |
4332.615 |
| transcript.whisperx[109].text |
這個台鐵招考新聞報導你有關注過嗎因為台鐵它已經公司化它應該是由公司的董事會來做一個考量公司化對我們只是看它有沒有違法的連這個國營事業的台鐵薪資結構都沒有辦法跟上時代那請問這難道不是政府帶頭 |
| transcript.whisperx[110].start |
4334.736 |
| transcript.whisperx[110].end |
4355.032 |
| transcript.whisperx[110].text |
用低薪再用人嗎?對,國營事業的條薪他有他們的一定的一個規定而且我剛才講到董事會也會做一個考量他們已經公式化了他們應該是會做適當的一個調印雖然公式化但如果真的是政府 |
| transcript.whisperx[111].start |
4355.552 |
| transcript.whisperx[111].end |
4357.654 |
| transcript.whisperx[111].text |
案2案3案4案5案6案7案8 |
| transcript.whisperx[112].start |
4371.806 |
| transcript.whisperx[112].end |
4383.903 |
| transcript.whisperx[112].text |
政府機構的一個帶頭是指公務人員的一個條型對於說國營事業要不要跟進那個是由他們公司治理來內部來決定所以說以整體來看處計長其實你看 |
| transcript.whisperx[113].start |
4387.828 |
| transcript.whisperx[113].end |
4415.866 |
| transcript.whisperx[113].text |
每一年政府只要調薪以後其實一般民間的企業他不一定會跟著調對不對而且很多這些外面的這些物價反而是藉著因為公務人員的調薪又把物價調上來反而造成講實在話這個調薪以後有一些正面當然也有很多的負面反而讓很多民眾沒有調薪的他們的痛苦指數繼續飆高 |
| transcript.whisperx[114].start |
4418.694 |
| transcript.whisperx[114].end |
4421.777 |
| transcript.whisperx[114].text |
我想這一點主計處應該要去關注,謝謝。 |
| transcript.whisperx[115].start |
4450.683 |
| transcript.whisperx[115].end |
4470.016 |
| transcript.whisperx[115].text |
主席麻煩請金管會黃主委有請黃主委市委員長主委早今天要跟你請教的是我的服務團隊最近接到好幾件的案件都是 |
| transcript.whisperx[116].start |
4471.366 |
| transcript.whisperx[116].end |
4499.185 |
| transcript.whisperx[116].text |
舉行法院來強制執行強制保險保單的解約保單剩餘的殘值收走這樣子的案例當然就站在執行法院的角度但是執行這個執行名義這是債權債務的關係這是了解當然還包括國稅單位稅務單位行政執行署執行也有這樣的狀況但是 |
| transcript.whisperx[117].start |
4502.37 |
| transcript.whisperx[117].end |
4518.727 |
| transcript.whisperx[117].text |
這裡面其實有很多地方是可以探討的因為我們的法律裡面關於勞工保險條例29條還有勞動基準法的第58條都有規定一些關於勞工的權益退休金不得強制執行等等這些事項那個的目的 |
| transcript.whisperx[118].start |
4519.748 |
| transcript.whisperx[118].end |
4521.949 |
| transcript.whisperx[118].text |
三、處理中華民國113年度中央政府總預算凍結書面報告案2案。cellence |
| transcript.whisperx[119].start |
4535.602 |
| transcript.whisperx[119].end |
4559.949 |
| transcript.whisperx[119].text |
這個當然不一樣因為這是為了從法律的立法本質來講它是為了保障勞工的權益不過我剛剛跟你提到這個強制執行保單的強制解除取得保單的剩餘價值這個某一個程度上面跟我剛剛講的要保障民眾的基本生活跟穩定社會安定 |
| transcript.whisperx[120].start |
4561.523 |
| transcript.whisperx[120].end |
4574.305 |
| transcript.whisperx[120].text |
這個目標是違背的只是一個是勞工一個不是勞工這樣的差別而已那行政執行署有曾經講過當然這是執行法院講的 |
| transcript.whisperx[121].start |
4576.803 |
| transcript.whisperx[121].end |
4593.357 |
| transcript.whisperx[121].text |
他們在執行的時候應該要去注意到讓債務人有陳述有表達意見的機會可是我連續接到幾件都是被通知解約了連保險公司都沒有告知保險人就解約了就收走了 |
| transcript.whisperx[122].start |
4594.244 |
| transcript.whisperx[122].end |
4616.266 |
| transcript.whisperx[122].text |
你知道嗎?人壽保險的主契約解除齁?他赴約有一些關於健康的關於醫療的那主約不存在你的赴約當然就跟著消滅了嘛那最後連這個他要保命啊要維持基本的這個醫療往往都會出現問題欸 |
| transcript.whisperx[123].start |
4617.802 |
| transcript.whisperx[123].end |
4635.35 |
| transcript.whisperx[123].text |
所以是不是要要求保險公司收到這樣的執行至少要立刻通知這個邀保人讓邀保人有機會跟債權人再進行最後的這個協商呢然後甚至他有機會可以向執行法院提出異議 |
| transcript.whisperx[124].start |
4636.954 |
| transcript.whisperx[124].end |
4642.915 |
| transcript.whisperx[124].text |
我非常認同其實保險是社會安全網很重要一環那您關切的這個程序面我們有要求我是不是可以請局長再跟您報告受益人介入權的問題 |
| transcript.whisperx[125].start |
4662.761 |
| transcript.whisperx[125].end |
4679.067 |
| transcript.whisperx[125].text |
跟有人報告這個議題其實我們在之前也曾經評估過要是不是要做修法的處理但是各界都有不同的看法後來我們也要求保險公司收到法院的這個執行命令的時候要通知 |
| transcript.whisperx[126].start |
4679.767 |
| transcript.whisperx[126].end |
4698.822 |
| transcript.whisperx[126].text |
保護來讓他能夠去主張他的權利這個部分我們當初有要求那這個要求有沒有落實呢因為我今天我這一個議會連續收到兩個陳情案件他都主張他沒有保險公司沒有通知我們可能來了解一下因為事實上我是有看到人家送給我的保險公司的通知那 |
| transcript.whisperx[127].start |
4700.943 |
| transcript.whisperx[127].end |
4727.892 |
| transcript.whisperx[127].text |
實際執行面我們會再來看看怎麼來解決那另外主覆約的部分我們也在之前大概7月1號會生效就是要求保險公司是不是能夠未來設計商品的覆約的部分能夠有覆約原系條款也就是主約被解除的時候覆約只要繳費還讓它繼續存在那這樣就可以解決它覆約因為主約被強制覆約這能夠完成的可能性高嗎 |
| transcript.whisperx[128].start |
4729.433 |
| transcript.whisperx[128].end |
4750.254 |
| transcript.whisperx[128].text |
這一個部分因為我們法規已經修了未來業者就要朝這方向去做那這樣覆約的那個所要繳的這個費用顯然會提高啊因為你覆約本來是主約之下附屬所以他的主要的繳費是在主約嘛覆約是要附帶得到附屬得到的利益嘛那你現在主約被解除之後沒有我的意思是說你本來主約繳了之後你覆約得到的利益 |
| transcript.whisperx[129].start |
4751.135 |
| transcript.whisperx[129].end |
4753.216 |
| transcript.whisperx[129].text |
按照原來的保費收取並沒有再增加費用。 |
| transcript.whisperx[130].start |
4771.567 |
| transcript.whisperx[130].end |
4774.909 |
| transcript.whisperx[130].text |
二、處理中華民國113年度中央政府總預算凍結書面報告案2、處理中華民國113年度中央政府總預算凍結書面報告案 |
| transcript.whisperx[131].start |
4797.521 |
| transcript.whisperx[131].end |
4817.23 |
| transcript.whisperx[131].text |
指定法院是有執行名義,但是被執行的對象也好,對程序如果有意見的話,他可以提取這個程序的意義之數,強制執行還有意義之數,程序還有意義之數,所以你也要讓人家有這樣的機會,如果沒有收到通知就被解除了,他連去提意義之數的機會都不存在了。 |
| transcript.whisperx[132].start |
4818.15 |
| transcript.whisperx[132].end |
4829.383 |
| transcript.whisperx[132].text |
這個我覺得也是有點問題我們來要求啦因為我們確實一開始就有要求保險公司要通知保護讓他能夠提出主張好謝謝你先 |
| transcript.whisperx[133].start |
4834.152 |
| transcript.whisperx[133].end |
4849.106 |
| transcript.whisperx[133].text |
關於今天這個REITs的這個議題當然多開一個投資的管道台灣的油資現在其實蠻多啦如果有多一個穩定的投資管道風險又比較小的話樂觀其成 |
| transcript.whisperx[134].start |
4850.467 |
| transcript.whisperx[134].end |
4872.749 |
| transcript.whisperx[134].text |
可是通常就是風險小就代表利潤低這個一定要廣為宣傳不然你想想看現在的股市因為現在股市是變動很快現在什麼高股息的ETF什麼這些ETF現在這麼紅的原因是因為他們相信說那個股分配回來的利益是比較高 |
| transcript.whisperx[135].start |
4873.59 |
| transcript.whisperx[135].end |
4896.618 |
| transcript.whisperx[135].text |
那你瑞士在怎麼做?像你現在的保險公司投資這個商用不動產,如果他要去併購這個商用不動產的時候,現在的起碼的標準基準是多少?好像兩年期儲蓄存款的加0.25吧,是,那個市局長,應該是這樣子吧目前是多少?現在數字我們算,那個,應該差不多,因為 |
| transcript.whisperx[136].start |
4899.503 |
| transcript.whisperx[136].end |
4904.744 |
| transcript.whisperx[136].text |
二、處理中華民國113年度中央政府總預算凍結書面報告案2案。netesle銀行銀行銀行銀行銀行銀行銀行銀行 |
| transcript.whisperx[137].start |
4926.684 |
| transcript.whisperx[137].end |
4928.766 |
| transcript.whisperx[137].text |
兩、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[138].start |
4939.898 |
| transcript.whisperx[138].end |
4941.439 |
| transcript.whisperx[138].text |
兩、處理中華民國113年度中央政府總預算凍結書面報告案2案 |
| transcript.whisperx[139].start |
4961.5 |
| transcript.whisperx[139].end |
4990.382 |
| transcript.whisperx[139].text |
這個我是覺得對於觀感民眾的觀感不見得會好那你知道嗎今天聽到不好的消息美國不但升息不但降息可能延後還有可能會升息因為最近伊朗跟以色列這個衝突以色列要怎麼報復大家都還在看還在猜所以引起兩個因素第一個地緣衝突的延續有使得美國的美聯儲的利率不僅沒有降有可能還會再升 |
| transcript.whisperx[140].start |
4992.534 |
| transcript.whisperx[140].end |
4995.156 |
| transcript.whisperx[140].text |
二、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[141].start |
5016.093 |
| transcript.whisperx[141].end |
5026.631 |
| transcript.whisperx[141].text |
提高之後更沒有辦法所以你雖然本來有一個投資的管道可以投資商用不動產他在台灣投資商用不動產的管道等於是急序萎縮 |
| transcript.whisperx[142].start |
5028.462 |
| transcript.whisperx[142].end |
5053.711 |
| transcript.whisperx[142].text |
那你這個瑞士有沒有辦法在這裡面想個兩全其美的方法因為這麼多的資金如果你不讓他台灣增加他的投資他跑到外國去跑到美國去他又要增加那個匯累的風險你出去的那個資金的成本就非常的高啊因為你光是要避險去年一年避險就3700億 |
| transcript.whisperx[143].start |
5055.882 |
| transcript.whisperx[143].end |
5057.063 |
| transcript.whisperx[143].text |
一、處理中華民國113年度中央政府總預算凍結書面報告案2案 |
| transcript.whisperx[144].start |
5076.099 |
| transcript.whisperx[144].end |
5077.56 |
| transcript.whisperx[144].text |
兩、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[145].start |
5097.929 |
| transcript.whisperx[145].end |
5099.25 |
| transcript.whisperx[145].text |
二、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[146].start |
5127.008 |
| transcript.whisperx[146].end |
5130.63 |
| transcript.whisperx[146].text |
好,謝謝吳秉仁委員的諮詢。接著我們請賴世保委員諮詢。謝謝主席及各位先進。有請金管委員的黃主委。有請黃主委。委員長。 |
| transcript.whisperx[147].start |
5156.908 |
| transcript.whisperx[147].end |
5176.985 |
| transcript.whisperx[147].text |
我們今天談到我們今天主要題目談這個頭顧頭型頭顧的相關的管理規範那我們看到這個題目我問過一次但是還沒有給我答案所以我再問一次就是在4月1號有個網紅節目 |
| transcript.whisperx[148].start |
5180.868 |
| transcript.whisperx[148].end |
5185.029 |
| transcript.whisperx[148].text |
一、處理中華民國113年度中央政府總預算凍結書面報告案2、處理中華民國113年度中央政府總預算凍結書面報告 |
| transcript.whisperx[149].start |
5208.335 |
| transcript.whisperx[149].end |
5209.18 |
| transcript.whisperx[149].text |
是不是已經移送檢方了是不是? |
| transcript.whisperx[150].start |
5211.438 |
| transcript.whisperx[150].end |
5237.797 |
| transcript.whisperx[150].text |
跟委員報告這件事情我們交易所有做一個這個檢要的分析報告那這個報告目前我們有提供給主管機關參考那另外也跟這個檢調那邊有在聯繫但是目前的進度是就這個相關的內容還做進一步的這個分析當中 |
| transcript.whisperx[151].start |
5239.307 |
| transcript.whisperx[151].end |
5265.58 |
| transcript.whisperx[151].text |
還沒有正式移送進調。我們還沒有到正式移送的這個地步。好,過來呢,要不要表示一下意見。這個部分我們跟交易所是共同作業,我們每天都有分工。好,我請教黃主委或者張局長,你們看來會來回答這個。就是從4月1號到現在,今天4月18號, |
| transcript.whisperx[152].start |
5268.154 |
| transcript.whisperx[152].end |
5279.09 |
| transcript.whisperx[152].text |
照理講這個事情已經很清楚了啊是不是到底是圓的扁的那個交易所總經理要不要再講一次你剛才你剛說你跟檢調講的講什麼講什麼你們的分析結果是什麼 |
| transcript.whisperx[153].start |
5284.56 |
| transcript.whisperx[153].end |
5286.362 |
| transcript.whisperx[153].text |
那你們認為他是故意的還是開玩笑的? |
| transcript.whisperx[154].start |
5306.85 |
| transcript.whisperx[154].end |
5328.262 |
| transcript.whisperx[154].text |
我想他是有這個意思的消息放出來但是是不是有符合這個政交法155條有意的就很嚴重喔有意的就是違反政交法155條意圖影響市場行情就是操作市場喔 |
| transcript.whisperx[155].start |
5329.393 |
| transcript.whisperx[155].end |
5346.36 |
| transcript.whisperx[155].text |
是那個委員那按照我們交易所按照資料去做分析結果我們現在不曉得你還不曉得你一手資料都不曉得怎麼辦呢已經快三個禮拜了兩個多禮拜了還不曉得啦 |
| transcript.whisperx[156].start |
5347.506 |
| transcript.whisperx[156].end |
5374.513 |
| transcript.whisperx[156].text |
還要多久才曉得上一次我問的時候你就說這個在一個禮拜以內就有結果結果一個禮拜還是沒結果啊跟向委員報告我們有分析資料確實有分析資料但是分析資料的結果呢提供給主管機關然後檢調到時候如果跟我們要我們也會提供給檢調做參考所以檢調還沒有跟你們要有來跟我們接洽但是案子還沒有正式移過去 |
| transcript.whisperx[157].start |
5376.483 |
| transcript.whisperx[157].end |
5390.184 |
| transcript.whisperx[157].text |
局長要不要講一下我還是主委局長講一下根本報告這個部分因為最後的判定是由檢方這邊到底有沒有立案但是我們是提供資料現在會請教育所繼續看他要什麼資料我們來support他們 |
| transcript.whisperx[158].start |
5391.465 |
| transcript.whisperx[158].end |
5391.985 |
| transcript.whisperx[158].text |
主席主席 |
| transcript.whisperx[159].start |
5422.946 |
| transcript.whisperx[159].end |
5429.701 |
| transcript.whisperx[159].text |
現在資料你到現在為止等於我聽了老半天人家說這次資料都還沒有出來是這樣子嗎 |
| transcript.whisperx[160].start |
5432.218 |
| transcript.whisperx[160].end |
5453.509 |
| transcript.whisperx[160].text |
有出來資料有出來那向委員報告我們交易所這邊有的就是資料我們只能做資料的分析分析結果勒你不能講分析資料有就是有送那如果是有一些還有賴檢調去調查說對檢方去判定他到底是不是有意圖是不是有這樣子的一個犯罪行為 |
| transcript.whisperx[161].start |
5454.755 |
| transcript.whisperx[161].end |
5462.865 |
| transcript.whisperx[161].text |
我怎麼感覺聽起來你好像想嗨你什麼事情啊想要隱瞞什麼事情不讓我們知道啊你來國會這裡要講實話勒要知目不言言如不信對不對 |
| transcript.whisperx[162].start |
5469.394 |
| transcript.whisperx[162].end |
5471.195 |
| transcript.whisperx[162].text |
拜託你沒有回答問題嗎?你不能承諾未來類似這樣的案子三個禮拜以內一定可以做一個決定,可以嗎? |
| transcript.whisperx[163].start |
5490.882 |
| transcript.whisperx[163].end |
5518.448 |
| transcript.whisperx[163].text |
要不要移送剛才在講說其實資料提供是沒有問題但是要判定他那個要檢方大家認為不是你們判定對好嘛你們幾位請回喔這個主委先留下來喔我看到今天的主計總處提供的資料喔有個資料我很有興趣看喔叫金融監理管理基金喔 |
| transcript.whisperx[164].start |
5521.865 |
| transcript.whisperx[164].end |
5524.57 |
| transcript.whisperx[164].text |
齁,這個主計總書面整理的很詳細啊。齁,黨名都超收耶。 |
| transcript.whisperx[165].start |
5531.075 |
| transcript.whisperx[165].end |
5556.7 |
| transcript.whisperx[165].text |
就是你這個啊就是那個2%對吧金融業稅那個2%給你們這個金融的金融監督管理基金執運金融業的退場處理計畫每年都超收每年都超收這池子滿不得了請問主委你知不知道這個池子有多少錢現在這個看到你看111年度就超收了 |
| transcript.whisperx[166].start |
5559.181 |
| transcript.whisperx[166].end |
5562.124 |
| transcript.whisperx[166].text |
三、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[167].start |
5591.076 |
| transcript.whisperx[167].end |
5614.853 |
| transcript.whisperx[167].text |
稅法到今年年底就不再撥入了那這些錢就是一個大池子主委啊報告委員其實是因為我知道因為我還要問主計長所以給我一點時間喔你不會講到對沒各位我知道是什麼我是國務院長我都知道喔這個來講主委我現在告訴你現在有一個DV嘛 |
| transcript.whisperx[168].start |
5616.175 |
| transcript.whisperx[168].end |
5624.377 |
| transcript.whisperx[168].text |
就是啊這個錢根本用不到但是一直累積累積累積兩三千億的所以照理講這兩趴就可以不要收了主委同意嗎這就是現在大家討論那個營業稅到人體之後可是你兩趴不收的話那給人家感覺就是啊銀行業請問銀行業今年去年是不是很賺錢有銀行賺的是第三高還是四高吧有過賺錢的賺錢啦 |
| transcript.whisperx[169].start |
5646.121 |
| transcript.whisperx[169].end |
5650.623 |
| transcript.whisperx[169].text |
是不是每年賺結果你還給他減2%這個也沒有道理所以我覺得5%繼續課那個2%就給國家可以嗎?可以嗎?可以嗎?這個由我現在這個過程我不太適合表示特別的意見 |
| transcript.whisperx[170].start |
5665.882 |
| transcript.whisperx[170].end |
5678.727 |
| transcript.whisperx[170].text |
告訢不告訢嗎?報告委員我們會就整體金融業跟國際間的競爭力做一個審慎的評估。今天我講一個理由都不是理由啦!他賺這麼多錢!對不對?這個2%你就不要給他減啦!這2%就歸國庫啦!照樣課5%!這是個做法!是不是?兩位不好意思講我來講。 |
| transcript.whisperx[171].start |
5689.091 |
| transcript.whisperx[171].end |
5712.103 |
| transcript.whisperx[171].text |
這個才是正辦啊你可以看嘛用不到而且他拼命賺錢啊還要給他減2%沒有道理這個道理不存在我不買單好不好國際圈的金融機構沒有像我們這樣課金融營業稅的啦跟委員會你這樣講要學你啦這個東西很多事情在台灣都不一樣了啦所以你要是要講金融業講一下話請主主席上來主主席上來 |
| transcript.whisperx[172].start |
5721.035 |
| transcript.whisperx[172].end |
5723.637 |
| transcript.whisperx[172].text |
委員吖 處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[173].start |
5735.768 |
| transcript.whisperx[173].end |
5756.36 |
| transcript.whisperx[173].text |
我說你確定離開主計總的位置啊我是要希望這樣的做可是目前那個相關的啊接派的人都來了啊都已經沒有都沒有沒有發布來那個人播出了下來害得我的每一個人都問我說是不是要滾了對不對 |
| transcript.whisperx[174].start |
5760.421 |
| transcript.whisperx[174].end |
5783.442 |
| transcript.whisperx[174].text |
主席長,我今天一定要問你就是因為我知道以後是見你一次少一次啊。你知道我意思嗎?見你一次少一次啊。少一次是這裡的機會啊。對嘛。見你一次少一次。我希望了。也很懷念朱正民在這日子啊。我也很懷念立委。 |
| transcript.whisperx[175].start |
5787.598 |
| transcript.whisperx[175].end |
5807.613 |
| transcript.whisperx[175].text |
對,我很懷念你,對你懷念每個25塊錢的,你講價格變動都說錯,變動說錯,歐盟說錯的事情好不好,這個主席長我跟你講一個具體的東西了齁你們1月份公佈了,哇,大家好興奮喔說1月份的平均薪資8萬5啊 |
| transcript.whisperx[176].start |
5810.487 |
| transcript.whisperx[176].end |
5820.787 |
| transcript.whisperx[176].text |
那個是因為有年終獎金所以是總薪資如果是經常薪資沒有啦委員你又忘記了 |
| transcript.whisperx[177].start |
5822.662 |
| transcript.whisperx[177].end |
5843.132 |
| transcript.whisperx[177].text |
那個經常性薪資還是4萬多啦4萬多對嘛我在跟你講這個而且那個而且實質薪資是複多喔複多一點你是去年來是副局長高度還在相信這種資料不要相信對不對欸你的發布你發布資料不要相信我是總薪資我是總薪資你在這邊有講嘛是總薪資 |
| transcript.whisperx[178].start |
5846.775 |
| transcript.whisperx[178].end |
5860.813 |
| transcript.whisperx[178].text |
總薪資嘛不是經常性薪資經常性薪資還是一樣多嘛所以說叫我不要相信這個數字就對了你發布的數字叫我不要相信我們每年都有總薪資跟那個經常性薪資這個是大院的要求 |
| transcript.whisperx[179].start |
5863.124 |
| transcript.whisperx[179].end |
5887.717 |
| transcript.whisperx[179].text |
主席長,這個你都要走了齁,這個讓你開一下沒有關係啦齁。沒有沒有,我很高興你問,謝謝。沒有沒有沒有,我還沒讓你走齁。時間沒到,你不要急啦,你不要急啦。這個主席,感謝主席讓我多講幾十秒齁。這個,你總是會有一些心理的,你主席長做很久的,八年都是你做的對不對。對啊。 |
| transcript.whisperx[180].start |
5889.045 |
| transcript.whisperx[180].end |
5906.972 |
| transcript.whisperx[180].text |
對阿這樣的政府官沒有幾個阿算一算就一個喔叫朱哲銘沒有前面十四門也是阿對阿我是說在蔡政府的官員裡面可以做八年的政府官只有你一個啦還有還有原民會主委一將對不對我們兩個相依為命對不對哪一個哪一個哪一個 |
| transcript.whisperx[181].start |
5908.217 |
| transcript.whisperx[181].end |
5911.3 |
| transcript.whisperx[181].text |
二、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[182].start |
5935.199 |
| transcript.whisperx[182].end |
5937.521 |
| transcript.whisperx[182].text |
我不要第二春了我已經有一春就不要二春了 |
| transcript.whisperx[183].start |
5957.76 |
| transcript.whisperx[183].end |
5958.12 |
| transcript.whisperx[183].text |
謝謝賴思寶委員的質詢 |
| transcript.whisperx[184].start |
5987.236 |
| transcript.whisperx[184].end |
5993.281 |
| transcript.whisperx[184].text |
現在為我們請郭國文召委來咨詢請。謝謝主席,有請黃天牧主委跟司法局長。張局長請,不是,梁局長請。 |
| transcript.whisperx[185].start |
6007.879 |
| transcript.whisperx[185].end |
6030.714 |
| transcript.whisperx[185].text |
二、處理中華民國11年度中央政府總預算凍結書面報告案2案。 bicy 主委好,我想先就教於那個施局長好了,因為剛剛那個吳秉瑞委員其實有討論到昨天我們討論了有關於這個借入權的部分。借入權的部分確實我本身也接到好幾個案子,特別是最近。那剛剛你有提到說有關於這個復規的受益人的部分,他可以透過這個保險公司來 |
| transcript.whisperx[186].start |
6032.555 |
| transcript.whisperx[186].end |
6046.34 |
| transcript.whisperx[186].text |
審計中華民國113年度中央政府總預算凍結書面報告案2案。閱讀中華民國113年度中央政府總預算凍結書面報告案3案。閱讀中華民國113年度中央政府總預算凍結書面報告案3案。閱讀中華民國113年度中央政府總預算凍結書面報告案3案。閱讀中華民國113年度中央政府總預算凍結書面報告案3案。閱讀中華民國113年度中央政府總預算凍結書面報告案3案。閱讀中華民國113年度中央政府總預算凍結書面報告案3案。閱讀中華民國113年度中央政府總預算凍結 |
| transcript.whisperx[187].start |
6055.99 |
| transcript.whisperx[187].end |
6076.222 |
| transcript.whisperx[187].text |
跟委員報告剛提到的不是受益人的部分而是原來的這個保險契約它本來就存在在保險公司嘛那是主互約可是行政法院可能來執行的時候呢它執行的主約那因為我們的商品裡面主互約有一些是 |
| transcript.whisperx[188].start |
6077.622 |
| transcript.whisperx[188].end |
6078.623 |
| transcript.whisperx[188].text |
規定中華民國113年度中央政府總預算凍結書面報告案2案 |
| transcript.whisperx[189].start |
6095.535 |
| transcript.whisperx[189].end |
6124.885 |
| transcript.whisperx[189].text |
只要修辦法就可以了修辦法就可以,已經修了嗎?對,我們已經修了那現在如果所有的案子狀況的話就應該可以進行這樣的凍結我們已經鼓勵我們保險公司讓他的客戶能夠加一個保險公司已經把這個債權轉賣出去的情況底下這個保險公司沒有轉賣他的保單啦應該是有很多債權人去法院主張來扣押保單這種情況是適用的就是了嗎?是是是那現在已經可以行使介入權了啦 |
| transcript.whisperx[190].start |
6125.445 |
| transcript.whisperx[190].end |
6139.921 |
| transcript.whisperx[190].text |
借入權那個部分是我們把主婦約分開那借入權的部分指的是受益人基於他的利益他願意帶藥保人來處理這個債務至少目前有解 |
| transcript.whisperx[191].start |
6142.864 |
| transcript.whisperx[191].end |
6165.216 |
| transcript.whisperx[191].text |
那個部分我們正在討論跟研議,那個可能要修法。我在就教於主委跟張局長。主委,到昨天為止4月17日日時的交易量還是非常的冷。整個交易量不過是100多萬,甚至有土銀、富邦土銀、國泰,這個成交金是零。 |
| transcript.whisperx[192].start |
6167.356 |
| transcript.whisperx[192].end |
6193.153 |
| transcript.whisperx[192].text |
總共目前的六檔當中而且去年9月還有要申請通過的新曆一號經過半年的募資之後只募到不到40億未達50億就又被撤建這跟現階段的這個ETF相差非常的大看一看好像殖利率偏低有很大的關係但是另外一個部分我們過去這幾年來說 |
| transcript.whisperx[193].start |
6195.334 |
| transcript.whisperx[193].end |
6211.045 |
| transcript.whisperx[193].text |
所實驗的結果我看到整個市值我們甚至低於這個馬來西亞低於菲律賓臺灣在整個亞洲地區各大交易所的瑞士的狀況竟然是最後一名只有1.3%可是1.3%的情況底下主委 |
| transcript.whisperx[194].start |
6215.131 |
| transcript.whisperx[194].end |
6224.929 |
| transcript.whisperx[194].text |
局長你把這一個不動產條例的條文複製到投信投顧法當中你認為這個部分真的有辦法就把這個數字給衝高嗎?主委 |
| transcript.whisperx[195].start |
6227.222 |
| transcript.whisperx[195].end |
6229.704 |
| transcript.whisperx[195].text |
三、處理中華民國113年度中央政府總預算凍結書面報告案2案。namon |
| transcript.whisperx[196].start |
6248.118 |
| transcript.whisperx[196].end |
6249.219 |
| transcript.whisperx[196].text |
三、處理中華民國113年度中央政府總預算凍結書面報告案2案。 |
| transcript.whisperx[197].start |
6263.248 |
| transcript.whisperx[197].end |
6265.11 |
| transcript.whisperx[197].text |
二、處理中華民國113年度中央政府總預算凍結書面報告案2 |
| transcript.whisperx[198].start |
6281.403 |
| transcript.whisperx[198].end |
6284.384 |
| transcript.whisperx[198].text |
三、處理中華民國113年度中央政府總預算凍結書面報告案2案。breviation of Debt Debt Debt Debt Debt Debt |
| transcript.whisperx[199].start |
6310.774 |
| transcript.whisperx[199].end |
6311.535 |
| transcript.whisperx[199].text |
主席主席 |
| transcript.whisperx[200].start |
6332.055 |
| transcript.whisperx[200].end |
6338.217 |
| transcript.whisperx[200].text |
其實您看他下面的underline asset就是他可以投資的資產範圍是很比現在的可能要更廣闊了 |
| transcript.whisperx[201].start |
6357.852 |
| transcript.whisperx[201].end |
6384.703 |
| transcript.whisperx[201].text |
更廣闊可是問題是主委我跟你講說更廣闊的部分還有這個30%的部分喔你現在不動產你現階段的公建的部分你就可以限制投資30%喔可是現在都沒有人做啊都沒有人做所以你基本上你有兩個目標一個是吸收自然人的民間油資一個是法人的一個資金也就是我們一直期待我們這個保險基金能夠從國外引到國內投資嘛 |
| transcript.whisperx[202].start |
6386.124 |
| transcript.whisperx[202].end |
6412.326 |
| transcript.whisperx[202].text |
那以原來單軌的部分就沒有辦法進行雙軌的部分你又複製同樣的條文你怎麼保證它可以進行呢我個人覺得那個投信事業它的經營的積極度當然這個對銀行業可能不太好意思我覺得投信事業的積極度而且我跟您報告香港、日本、新加坡都是基金型的都是基金型的不好意思我覺得就是國外的慣例啦基金型是基本上比較 |
| transcript.whisperx[203].start |
6413.227 |
| transcript.whisperx[203].end |
6433.16 |
| transcript.whisperx[203].text |
張局長你自己有沒有設定目標張局長我剛剛不要那個主委不方便給你任務壓力我們基本的設定目標就希望比信託方式還要還要好對剛好好那你大概多少目標嘛你有沒有辦法像ETF一樣一天吸引多少資金你至少自己給自己設定一個目標你換成這樣子我就先問你的版本啊我先不要講我的版本嘛 |
| transcript.whisperx[204].start |
6434.361 |
| transcript.whisperx[204].end |
6450.954 |
| transcript.whisperx[204].text |
我再舉一個例子你要講這個之前因為工建要引導工建我們在2017年的時候你也開放投信設置私募型基金來進行這個工建基金基建型的私募基金基建型的私募基金你7年的時間幾次 |
| transcript.whisperx[205].start |
6453.783 |
| transcript.whisperx[205].end |
6454.023 |
| transcript.whisperx[205].text |
議員主席 |
| transcript.whisperx[206].start |
6477.262 |
| transcript.whisperx[206].end |
6495.687 |
| transcript.whisperx[206].text |
基本上我們是希望比現在的進度好但至於這個數字我覺得因為還沒有挑戰性的吧局長今天是詢答了那還有一次那如果我有機會再那就是我們請跟工會討論一下估計一下答案不見得正確我們給一個KPI給你 |
| transcript.whisperx[207].start |
6498.388 |
| transcript.whisperx[207].end |
6502.97 |
| transcript.whisperx[207].text |
一、處理中華民國113年度中央政府總預算凍結書面報告案2、處理中華民國113年度中央政府總預算凍結書面報告案3、處理中華民國113年度中央政府總預算凍結書面報告案4、處理中華民國113年度中央政府總預算凍結書面報告 |
| transcript.whisperx[208].start |
6525.638 |
| transcript.whisperx[208].end |
6551.747 |
| transcript.whisperx[208].text |
第二個部分你在說關股的部分投資超過20%跟10%的情況底下我舉一個例子高捷有中鋼的投資那律師就不能投資高捷那就很奇怪這相對有保障的大家就想要投資所以我意思是說我是不是把這個東西修法拿掉然後規範在執法當中你又把風險放在執法不要設定這麼嚴張局長 |
| transcript.whisperx[209].start |
6554.889 |
| transcript.whisperx[209].end |
6573.677 |
| transcript.whisperx[209].text |
審慎審慎審慎審慎審慎審慎審慎審慎審慎審慎審慎審慎審慎審慎審慎 |
| transcript.whisperx[210].start |
6574.037 |
| transcript.whisperx[210].end |
6601.345 |
| transcript.whisperx[210].text |
關股就是代表一定的公信力大家才會來投嘛沒有現在還有條文尋答的時間我就把我的意見丟出來啦齁那因為時間非常有限我最後齁我看到那個施局長最近有發出一個風聲就是受險業說這個避險代價過高就確實啦齁那要檢討這個外匯準備金機制啦齁這個基本上政策方向看起來已經有這個走向但是我還是要問啦這樣的情況底下會不會讓這些受險業資金更往國外跑 |
| transcript.whisperx[211].start |
6603.41 |
| transcript.whisperx[211].end |
6612.74 |
| transcript.whisperx[211].text |
包委員因為我們國外投資的額度是沒有變的並沒有提高它只是在裡面微調它的那個投資的選項的額度大概只有3%最高到3%的調整這樣而已總額度沒有變 |
| transcript.whisperx[212].start |
6624.311 |
| transcript.whisperx[212].end |
6650.785 |
| transcript.whisperx[212].text |
總和度沒有變沒有變都沒有變對好那主委最後因為你你你這個部分我是想說我實在沒有時間了不過我還是要跟您提一下當初的部分真的還要再思考一下我統計過一個最後一個表格的數字讓你參考最後一個表格其實所謂的正式收益都是馬拉斯就是產民的賠錢比較多賺錢的其實都是那個券商還有包括政府那這個數字讓你參考一下讓你思考一下 |
| transcript.whisperx[213].start |
6652.046 |
| transcript.whisperx[213].end |
6653.027 |
| transcript.whisperx[213].text |
李燕秀委員質詢 |
| transcript.whisperx[214].start |
6682.392 |
| transcript.whisperx[214].end |
6683.333 |
| transcript.whisperx[214].text |
謝謝,我可不可以請主委 |
| transcript.whisperx[215].start |
6691.711 |
| transcript.whisperx[215].end |
6713.924 |
| transcript.whisperx[215].text |
謝謝主委,辛苦您了。有一句話大家常常在講,上台容易下台難。往往離開的身影就可以看到一個人的高貴跟優雅。黃主委您是在金管會的位置上最久的一位主委。不管在藍綠的委員當中其實對於您的評價其實私底下都給予很多的肯定。我覺得這一點 |
| transcript.whisperx[216].start |
6714.884 |
| transcript.whisperx[216].end |
6716.806 |
| transcript.whisperx[216].text |
三、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[217].start |
6738.006 |
| transcript.whisperx[217].end |
6748.595 |
| transcript.whisperx[217].text |
應該有的一些底線的堅持我看到您的努力喔那昨天我聽到召委在質詢的時候您說您比較掛心了兩個重要的政策一個是虛擬資產的專法還有包括BNPL先買後付這兩件事重要的政策其實都會影響到我們資產的穩定度 |
| transcript.whisperx[218].start |
6759.844 |
| transcript.whisperx[218].end |
6787.031 |
| transcript.whisperx[218].text |
所以面對包括中國大陸在這段時間從去年前年開始疫情之後景氣的不穩定的狀況包括歐美國家包括好幾間銀行金融的狀況我覺得我們整體臺灣的金融業相對的是穩定的所以主委你也說你會拼到5月19號但是我們也看到資本的穩定市場穩定其實還有一個很重要的因素就是我們的保險業的穩健 |
| transcript.whisperx[219].start |
6788.391 |
| transcript.whisperx[219].end |
6815.081 |
| transcript.whisperx[219].text |
在這一塊無論是前段時間我跟您的答詢過程當中我看到您的堅持那臺灣在保險業的穩健的部分包括臺灣保險的滲透率的部分這個比例相對是非常高的包括在臺灣我們平均每個國人都有2.6張保單所以除了過去對於保險法我們RBC要達到200%其實你的立場 |
| transcript.whisperx[220].start |
6817.822 |
| transcript.whisperx[220].end |
6820.983 |
| transcript.whisperx[220].text |
三、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[221].start |
6847.932 |
| transcript.whisperx[221].end |
6856.935 |
| transcript.whisperx[221].text |
你會不會擔心你在這一段時間包括在保險業者你要求的法定的這個市主力RBC要達到200%還有我們跟ICS的接軌你會不會擔心人去政協 |
| transcript.whisperx[222].start |
6864.904 |
| transcript.whisperx[222].end |
6880.779 |
| transcript.whisperx[222].text |
我想第一點有關保險資本市主律其實它是現在明定於保險法那什麼程度那該做什麼處理這叫立即糾正措施都明定的這是我們必須要依法去處理那至於說接軌的部分 |
| transcript.whisperx[223].start |
6881.54 |
| transcript.whisperx[223].end |
6909.693 |
| transcript.whisperx[223].text |
我想我們過去的態度就是考慮國情並不是把國外的規範完全不考慮就全部套在國內業者上也給了三個階段的相關的措施那我想這部分我盡力了那當然我想未來的彭主委他比我對保險更專精他是保險專家因為過去他在媒體上對於這些可能有不同的看法你會不會擔心這些因為這是你過去所堅持的那你會不會擔心會打折扣 |
| transcript.whisperx[224].start |
6910.598 |
| transcript.whisperx[224].end |
6932.538 |
| transcript.whisperx[224].text |
其實我過去也跟彭老師也常請教了那我覺得有些意見我也都接納他的想法那當然他將來接了這個主委的位置他當然會對一些政策有他的想法我昨天也報告過那我們尊重未來彭主委的想法好那到6月底前報告保險業達到RCP達到200%你會持續的推動嗎? |
| transcript.whisperx[225].start |
6938.389 |
| transcript.whisperx[225].end |
6947.74 |
| transcript.whisperx[225].text |
這個沒有妥協的空間該做什麼就做什麼謝謝主委你果然是努力到最後一天你請回喔謝謝我請我們親愛的主記者 |
| transcript.whisperx[226].start |
6958.089 |
| transcript.whisperx[226].end |
6979.104 |
| transcript.whisperx[226].text |
主席長好主席長我先就一個小議題請教您就是在這一次衛福部公告護理人員夜班的獎勵方案這本來是要鼓勵醫護人員留任的政策跟方案後來我們也看到引起很多的反彈因為本來是要幫大夜班 |
| transcript.whisperx[227].start |
6980.264 |
| transcript.whisperx[227].end |
7006.54 |
| transcript.whisperx[227].text |
大小夜班都有增加一些補助的費用但是後來引起區醫院跟地區醫院很多的反彈因為在醫學中心的部分實在是增加的那個獎勵金實在太高這也造成區醫院跟地區醫院的護理人員流動的流失非常的快所以新的方案已經出來了那會需要增加到1.13億元的預算健保署表示會積極的爭取那爭取當然是要跟主計處爭取那 |
| transcript.whisperx[228].start |
7009.983 |
| transcript.whisperx[228].end |
7022.138 |
| transcript.whisperx[228].text |
這個部分的我聽到好像卡在主計處你這邊沒有沒有沒有沒有我們原來就有113就有編那個好一個軍會阿另外一個他是要 |
| transcript.whisperx[229].start |
7022.679 |
| transcript.whisperx[229].end |
7041.068 |
| transcript.whisperx[229].text |
要再次說到底應該是是由他的那個就是說我們在那個特別預算裡面也變一筆錢還是要在總額裡面決定那個是由衛福部來決定的因為最後講到錢的問題都喜歡說是主計總處 |
| transcript.whisperx[230].start |
7042.389 |
| transcript.whisperx[230].end |
7057.869 |
| transcript.whisperx[230].text |
都是你去決定對對沒有我們有因為我們的御師但是從衛福部去處理還是從特別預算處現在還沒橋定這個行政院還沒決定就對了沒有沒有特別預算也已經在那個就就是以後的有一個特別預算 |
| transcript.whisperx[231].start |
7062.41 |
| transcript.whisperx[231].end |
7082.415 |
| transcript.whisperx[231].text |
總預算裏面有編一筆錢那個錢都已經在預算裏面所以說他們內部去調因為預算已經通過了不可能再增加所以跟你沒有關係是跟衛福部有關係所以卡是卡在衛福部不是卡在你這邊我這邊的錢都是大約已經通過了不可能是再增加 |
| transcript.whisperx[232].start |
7083.075 |
| transcript.whisperx[232].end |
7089.358 |
| transcript.whisperx[232].text |
我知道不能再增加但是就是從衛福部裡面去做決定錢到底是用哪一筆錢特別預算要經過你這邊嗎特別預算也是大院通過的 |
| transcript.whisperx[233].start |
7094.482 |
| transcript.whisperx[233].end |
7112.769 |
| transcript.whisperx[233].text |
OK那決定撥給哪些因為這個是後來才增加證據的對對對他要分配啦那個是那個醫學中心那個區醫院地區醫院我知啊主席我知啊我們長話短說因為我還有別的議題要請教您所以這個部分其實衛福部自己就可以決定了對 |
| transcript.whisperx[234].start |
7114.022 |
| transcript.whisperx[234].end |
7139.314 |
| transcript.whisperx[234].text |
好那我清楚了好謝謝那你知道這個預算什麼時候會通過嗎因為多拖一天我擔心護理人員留不住那個是衛福部要做一個說快一點他的一個所謂的那個撥款的程序快點怎麼決定去使用這筆錢經費都已經在特別預算跟他的健保的總合裡面都已經有了 |
| transcript.whisperx[235].start |
7140.475 |
| transcript.whisperx[235].end |
7154.677 |
| transcript.whisperx[235].text |
好那所以是卡在衛福部就對了好好那謝謝主席長那我第二個問題要就教主席長主席長我最近看到幾個數字就是我們一二月二月公布的受僱人員的薪資跟人數其實都達到 |
| transcript.whisperx[236].start |
7155.678 |
| transcript.whisperx[236].end |
7181.472 |
| transcript.whisperx[236].text |
新高都是達到我們過去6年來的第二高平均每人每月有達到46,017元比上去年同期我們增加2.39個的百分點但是我們去年實質總薪資總共下降1.04所以主計長一二月經常性薪資達到2.39的成長主要的原因是什麼那個是因為我們那個 |
| transcript.whisperx[237].start |
7184.369 |
| transcript.whisperx[237].end |
7209.122 |
| transcript.whisperx[237].text |
就就是說企業界他也跟著像公交人員還有基本工資調高所以是因為我們增加了4%的加薪有帶動民間而且那個基本薪資也有提高那主席長你覺得因為我們幫公務人員加薪而帶動我們整個基本工資提高你覺得那個比例大概帶動整個成長的比例有多少 |
| transcript.whisperx[238].start |
7209.522 |
| transcript.whisperx[238].end |
7230.133 |
| transcript.whisperx[238].text |
那個終究是有限,但是它是有一個...差不多幾%啦?你覺得差不多多少?那個我們沒有做這種估計,因為那個公教陵園只佔大概只有大概五六十萬人但是那個所謂的軍公教陵只有五六十萬人但是全國的那個...我知道,但是我的意思是說我們整個經濟的成長2.39%多少是因為 |
| transcript.whisperx[239].start |
7234.855 |
| transcript.whisperx[239].end |
7259.126 |
| transcript.whisperx[239].text |
我們基本工資提高而整個經濟帶動起來是因為加薪4%民間也加薪所以整個經濟往上走那個是我們沒有做很難去分因為他的調薪的原因有很多但是會不會實質薪資成長我必須說明那應該是看那個CPI的成長情況如果CPI的維持的這個區塊的 |
| transcript.whisperx[240].start |
7260.667 |
| transcript.whisperx[240].end |
7266.753 |
| transcript.whisperx[240].text |
指數是2.74所以其實物價通膨還是把這個加薪啊還是整個還是把它往下拖所以我們人民的實際薪資其實還是倒退路的所以但是主席講 |
| transcript.whisperx[241].start |
7286.911 |
| transcript.whisperx[241].end |
7313.766 |
| transcript.whisperx[241].text |
我們今年3月公布CBI是2.14那到底第一季有沒有機會實質薪資轉正那個是有機會但是我不敢肯定因為那個是最新的那個資料但是我們副處長說有機會轉正啊是有機會啦是有機會但是我們3月份的調查資料薪資的調查資料要到下個月5號才能夠出來 |
| transcript.whisperx[242].start |
7314.206 |
| transcript.whisperx[242].end |
7337.057 |
| transcript.whisperx[242].text |
那我們整年度那我就繼續接著問因為我上次問你說我們今年度整個實質總薪資實質薪資到底整年會怎麼樣那你覺得今年2024薪資有沒有可能轉正我們希望轉正啦但是有不確定的因素不確定的因素是因為目前國際圈的油價在往上國際圈的油價在往上是有這個因素嗎 |
| transcript.whisperx[243].start |
7338.518 |
| transcript.whisperx[243].end |
7351.273 |
| transcript.whisperx[243].text |
只有這個因素嗎?這個是一個蠻大的一個因素的那個以及那個國際間那個會不會受到一些所以你覺得今年實質薪資轉正的比例大概是多少?我只能夠說有機會啦有機會 |
| transcript.whisperx[244].start |
7354.471 |
| transcript.whisperx[244].end |
7370.107 |
| transcript.whisperx[244].text |
有機會有機會是差不多多少啦你預估預測主計主計長最會預測啊我不我不那個預測是具有不確定性的因素不確定性的因素如果萬一說有油價因為我們現在前些時候大家預計油價都大概在80塊 |
| transcript.whisperx[245].start |
7371.048 |
| transcript.whisperx[245].end |
7372.369 |
| transcript.whisperx[245].text |
三、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[246].start |
7400.299 |
| transcript.whisperx[246].end |
7401.139 |
| transcript.whisperx[246].text |
謝謝李燕秀委員質詢接著我們請賴慧雲委員質詢 |
| transcript.whisperx[247].start |
7435.983 |
| transcript.whisperx[247].end |
7458.206 |
| transcript.whisperx[247].text |
謝謝主席。我們請那個主委還有銀行局、政區局還有初參司、副司長。請黃主委。銀行局局長、政區局長。是,主委早安。主委我想針對著今天修正的一個草案跟主委來做一個探討。是,請指示。其實我想就是 |
| transcript.whisperx[248].start |
7459.445 |
| transcript.whisperx[248].end |
7476.015 |
| transcript.whisperx[248].text |
議員議員議員 |
| transcript.whisperx[249].start |
7476.015 |
| transcript.whisperx[249].end |
7505.333 |
| transcript.whisperx[249].text |
議員議員議員議員 |
| transcript.whisperx[250].start |
7505.829 |
| transcript.whisperx[250].end |
7529.874 |
| transcript.whisperx[250].text |
是,不過現在是由基金投信業者或是專業的不動產投資企業去做基金型的所以我們今天就是希望增加基金型是那如果就是說光是台灣目前只有7檔就是獲利低是不是有人想要投資那我們如果從馬來西亞、新加坡、美國、台灣這個同時就是說在 |
| transcript.whisperx[251].start |
7530.674 |
| transcript.whisperx[251].end |
7532.515 |
| transcript.whisperx[251].text |
一、處理中華民國113年度中央政府總預算凍結書面報告案2 |
| transcript.whisperx[252].start |
7544.206 |
| transcript.whisperx[252].end |
7562.433 |
| transcript.whisperx[252].text |
這是在一個商業市場的裡頭一個最自然自然的一個淘汰法還是說生存的一個法則那我想在這裡就是說為什麼發展不佳那目前就是說我們的綠色發展的一個市場到底遇到了什麼樣的一個問題 |
| transcript.whisperx[253].start |
7563.573 |
| transcript.whisperx[253].end |
7566.754 |
| transcript.whisperx[253].text |
兩、處理中華民國113年度中央政府總預算凍結書面報告案2案 |
| transcript.whisperx[254].start |
7585.623 |
| transcript.whisperx[254].end |
7601.459 |
| transcript.whisperx[254].text |
議員議員議員 |
| transcript.whisperx[255].start |
7601.579 |
| transcript.whisperx[255].end |
7628.791 |
| transcript.whisperx[255].text |
其實我們從民國92年有不動產正經化條例之後其實就是用信託型的架構來做位置那其中98年的時候還同意開放開發型的那105年要同意投資國外但儘管有這兩個擴大範圍的這個措施其實到目前來講臺灣的這個整個規模大概就像您所指有不到700億左右可是你看香港那麼小它就有6400億日本有3.2兆新加坡有2.3兆那 |
| transcript.whisperx[256].start |
7630.932 |
| transcript.whisperx[256].end |
7654.819 |
| transcript.whisperx[256].text |
規則它的架構上面其他國家都是用基金行有的是一檔基金有一個機構當然我們現在是一個機構可以發很多檔那我覺得這個組織架構可能會變成為這個它基金是不是活躍的一個原因之一因為畢竟在現在的狀況之下銀行要信託機構保管運用甚至運用它也不是直接去做它是委託另外一個機構去管 |
| transcript.whisperx[257].start |
7655.339 |
| transcript.whisperx[257].end |
7669.714 |
| transcript.whisperx[257].text |
但是現在的基金型就是基金機構本身就也不動產做那個投資人才所以就是說顯然我從你的一個談話裡頭你也同意就是說透過一個基金的一個模式我們讓這個募集可以更吸引到投資人是是是 |
| transcript.whisperx[258].start |
7670.495 |
| transcript.whisperx[258].end |
7697.99 |
| transcript.whisperx[258].text |
所以就是說上面的三個問題都已經解決了那有沒有解決呢那我們是不是可以放寬類似的一個投資項目讓民眾去參與公共的一個建設我們現在知道就是說所有所有興建中的這些公社不管是社宅還是說我們的利能還有我們很多的一個國內現在如火如荼的在進行的一些投資案那 |
| transcript.whisperx[259].start |
7699.21 |
| transcript.whisperx[259].end |
7724.184 |
| transcript.whisperx[259].text |
這裡請教主委就是說你看喔我們光是這個一月份我們出來的一個通告就是光是那個我們開戶的股民就佔了74萬47萬47萬不好意思齁那就是說總開戶我們有1256萬相當是全台灣一半的人口那事實上小股民的一個實力非常的雄厚那如果就是說 |
| transcript.whisperx[260].start |
7724.804 |
| transcript.whisperx[260].end |
7724.844 |
| transcript.whisperx[260].text |
議員報告案2 |
| transcript.whisperx[261].start |
7750.345 |
| transcript.whisperx[261].end |
7773.303 |
| transcript.whisperx[261].text |
我們怕這個基金會影響房價但是公共建設是有比方說風力發電離岸發電綠能的這些發電建設都可以只要他能夠產生穩定現金流量都可以納入但我們也是目的是希望讓這些切割化的證券化的證券經過安排機構的信用的增強能夠讓小額的投資人能夠安心的投資 |
| transcript.whisperx[262].start |
7773.763 |
| transcript.whisperx[262].end |
7797.092 |
| transcript.whisperx[262].text |
但是如果我們回到不動產證券化的話就是說有很多我們的主要的產品是在不動產那我想請教初參司如果就是說透過一個初參司的一個PPP的一個方式有沒有機會我們把這個這些錢就是說讓那個可以跟PPP合併在一起然後我們來募資呢 |
| transcript.whisperx[263].start |
7798.572 |
| transcript.whisperx[263].end |
7823.336 |
| transcript.whisperx[263].text |
跟委員報告我們也是很希望說就是這個資金可以導引到那個我們目前正在推的政府有償取得公共服務就是有償PPP的案子裡面是所以可是主委是講說這個社會住宅是不適用的報告委員現在的草案中裡面沒有包括類似這種社宅這些住宅的性質因為就擔心會有主委可不可以放進來呢 |
| transcript.whisperx[264].start |
7827.263 |
| transcript.whisperx[264].end |
7842.863 |
| transcript.whisperx[264].text |
這個我們草案是沒有當然看到時候委員會討論的時候因為我們當初是顧慮民眾覺得這個基金一個基金又到這個房市來講會不會讓民眾誤以為又要再炒房所以有這個怕這個誤會了所以就沒有放進去 |
| transcript.whisperx[265].start |
7843.303 |
| transcript.whisperx[265].end |
7868.945 |
| transcript.whisperx[265].text |
所以就是說怕我們先暫時迴避一下。所以沒有把它放進去。當然尊重委員最後面在逐條討論的時候的意見是。是。好。那謝謝主委。謝謝委員。我想就是說我們透過初餐的一個方式創造有沒有機會就是說創造就是弱勢的民眾他有比較多的一個機會可以再投資就是所以我們 |
| transcript.whisperx[266].start |
7869.605 |
| transcript.whisperx[266].end |
7871.926 |
| transcript.whisperx[266].text |
三、處理中華民國113年度中央政府總預算凍結書面報告案2案。 |
| transcript.whisperx[267].start |
7894.474 |
| transcript.whisperx[267].end |
7898.639 |
| transcript.whisperx[267].text |
二、處理中華民國113年度中央政府總預算決議．有關財政委員會第1、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[268].start |
7915.492 |
| transcript.whisperx[268].end |
7941.647 |
| transcript.whisperx[268].text |
委員您問到一個重點因為它是一般投資人可以投資的所以投資人保護很重要那治理問題很重要所以這裡面包括基金的架構裡面包括一定它的有產生穩定現金流量的資產今天我的報告有至少要到75以上那75以上的資產要產生90以上的現金收入讓它很穩定對於投資人才是有保障的治理問題就是投資人保護問題是我們非常重視的 |
| transcript.whisperx[269].start |
7942.227 |
| transcript.whisperx[269].end |
7942.768 |
| transcript.whisperx[269].text |
請局長報告 |
| transcript.whisperx[270].start |
7961.584 |
| transcript.whisperx[270].end |
7980.831 |
| transcript.whisperx[270].text |
有很多的事項比方說關係人交易等等他最後還要受益人大會去決議不是他個別公司可以決定的局長我想請教你就是針對的第49條之二你在這裡頭有特別就是第14項裡頭有想受益人的一個會議召開的一個事由是由出前 |
| transcript.whisperx[271].start |
7981.331 |
| transcript.whisperx[271].end |
7996.255 |
| transcript.whisperx[271].text |
一、處理中華民國113年度中央政府總預算凍結書面報告案2、處理中華民國113年度中央政府總預算凍結書面報告案3、處理中華民國113年度中央政府總預算凍結書面報告案4、處理中華民國113年度中央政府總預算凍結書面報告案5、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案7、處理中華民國113年度中央政府總預算凍結書面報告案8、處理中華民國113年度中央政府總預算凍結書面報告案9、處理中華民國 |
| transcript.whisperx[272].start |
8011.588 |
| transcript.whisperx[272].end |
8039.597 |
| transcript.whisperx[272].text |
我們後面將來會有執法我們可以做細部的規範如果有必要的時候那你的執法裡頭會不會把它訂入就是說每年開一次受益人大會呢顯然這個三年再開一次的話是非常危險的喔局長我們到了執法那邊在討論但是我們目前的規範是說至少要三年要開一個那你的態度呢你認為三年開一次比較安全還是一年開一次比較安全呢 |
| transcript.whisperx[273].start |
8040.871 |
| transcript.whisperx[273].end |
8049.425 |
| transcript.whisperx[273].text |
目前我們是用三年的方式啦因為目前看國外的所以我問你阿是三年比較安全還是一年比較安全阿因為他開每年開的話成本會很高 |
| transcript.whisperx[274].start |
8050.151 |
| transcript.whisperx[274].end |
8066.983 |
| transcript.whisperx[274].text |
總預算凍結書面報告案2、處理中華民國113年度中央政府總預算凍結書面報告案3、處理中華民國113年度中央政府總預算凍結書面報告案4、處理中華民國113年度中央政府總預算凍結書面報告案5、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案7、處理中華民國113年度中央政府總預算凍結書面報告案8、處理中華民國113年度中央政府總預算凍結書面報告案9、處理中華民國113年度中央政府總預算凍結書面 |
| transcript.whisperx[275].start |
8079.451 |
| transcript.whisperx[275].end |
8103.208 |
| transcript.whisperx[275].text |
好 謝謝主委我想就是說本席在這邊要求就是金管會評估修法後那就是說整個市場的一個成長的一個狀況跟內政部協調是不是在草案修正以後優先提出以公共建設為標的的一個商品那也希望金管會要要求每年召開受益人會議增加他的一個透明度保障小股東的一個潛意 |
| transcript.whisperx[276].start |
8103.868 |
| transcript.whisperx[276].end |
8116.233 |
| transcript.whisperx[276].text |
我們朝這個方向去研究好不好?謝謝委員謝謝主席謝謝代會委員質詢待會我們在武力法委員質詢之後我們休息10分鐘接著我們請王洪威委員質詢好謝謝主席我請我們的主計長有請主計長 |
| transcript.whisperx[277].start |
8135.391 |
| transcript.whisperx[277].end |
8154.623 |
| transcript.whisperx[277].text |
主席長,剛才您說可能在520之後您不在這個位置上,可能會在其他位置上我沒有說在其他位置上,我沒有,現在沒有人找我反正沒關係,現在沒有人找你 |
| transcript.whisperx[278].start |
8156.224 |
| transcript.whisperx[278].end |
8156.244 |
| transcript.whisperx[278].text |
是對。 |
| transcript.whisperx[279].start |
8179.309 |
| transcript.whisperx[279].end |
8182.03 |
| transcript.whisperx[279].text |
1991年財富分配報告1991年財富分配報告1991年財富分配報告1991年財富分配報告1991年財富分配報告 |
| transcript.whisperx[280].start |
8202.359 |
| transcript.whisperx[280].end |
8214.549 |
| transcript.whisperx[280].text |
前20%跟後20%的差距是16.8倍所以當時有討論到我們的財富分配等於說前20%跟後20%有16.8倍時隔30年我想因為你們這一定做了非常久請問一下這個財富分配的倍數有沒有擴張到20倍以上 |
| transcript.whisperx[281].start |
8229.72 |
| transcript.whisperx[281].end |
8257.304 |
| transcript.whisperx[281].text |
跟那個委員報告一下因為這個是我們要經過那個所謂的國事普查委員會要經過委員會的審查我們才能夠公布這委員會要核定是不是對要他們核定到如果我公布就是違反規定我先講就是違反規定你現在公布的時間是4月底確定了嗎對我們一定會公布因為這個是在我的時候我再來 |
| transcript.whisperx[282].start |
8258.137 |
| transcript.whisperx[282].end |
8269.014 |
| transcript.whisperx[282].text |
主計總書我就有個使命叫希望有一個財富分配的報告所以我請我們的同仁努力要做這一塊把它做出來讓這個將來作為政策的 |
| transcript.whisperx[283].start |
8273.641 |
| transcript.whisperx[283].end |
8293.698 |
| transcript.whisperx[283].text |
主計講因為你是在你卸任之前就是你的使命把它完成可是我覺得過去其實我們每30年才公布一次家庭財富的分配報告事實上真的等太久那當然我們也會期待有些要突破 |
| transcript.whisperx[284].start |
8296.388 |
| transcript.whisperx[284].end |
8311.894 |
| transcript.whisperx[284].text |
但是真的30年等太久我們就等看4月底之前你們到底公布的數字是什麼我是很想看一下經過30年平均每一戶家庭的財富到底是多少另外來討論一個我覺得也非常嚴重的問題 |
| transcript.whisperx[285].start |
8317.366 |
| transcript.whisperx[285].end |
8340.328 |
| transcript.whisperx[285].text |
我們主計處其實也注意到我們在整個的通膨的壓力之下那麼我們現在的房租是持續的年增率是飆升那事實上在去年在去年的結束的時候就是我們的房租的年增率已經達到27年來的新高那麼 |
| transcript.whisperx[286].start |
8342.079 |
| transcript.whisperx[286].end |
8370.514 |
| transcript.whisperx[286].text |
到今年第一季過去了前三個月每一個月的房租年增率都超過了2%那也就是我們已經連續8個月都破了兩趴也是創下紀錄所以主計長你覺不覺得在我們整個所有的通膨的壓力之下我們現在所有的租屋族其實是壓力最大的一個族群之一 |
| transcript.whisperx[287].start |
8371.455 |
| transcript.whisperx[287].end |
8387.508 |
| transcript.whisperx[287].text |
所以我們有那個租金的300億的租金的政策就是說讓這個是比較尤其是年輕的人他的租金的壓力能夠變小我們有就是說有推行這個政策。總理長你覺得為什麼從 |
| transcript.whisperx[288].start |
8390.831 |
| transcript.whisperx[288].end |
8402.533 |
| transcript.whisperx[288].text |
去年開始事實上是其實這幾年租屋族的壓力都非常非常的大造成我們租屋的這個一直要漲價的主要原因你覺得是什麼? |
| transcript.whisperx[289].start |
8403.132 |
| transcript.whisperx[289].end |
8426.75 |
| transcript.whisperx[289].text |
那個就是因為房屋的建築成本增加黃東的那個可是有很多都是老房子啊那個老房子的話我可以跟那個委員報告一下老房子的話我們是用一種受賺的所以是老房子因為新房子的增加老房子也會增加因為老房子為什麼增加因為通膨的壓力 |
| transcript.whisperx[290].start |
8428.852 |
| transcript.whisperx[290].end |
8447.109 |
| transcript.whisperx[290].text |
需求也是通膨的壓力然後我看到你們一個新聞說主計總處說還有升息的壓力其實當時在央行要宣布升息的時候其實很多的房東都會把他的成本 |
| transcript.whisperx[291].start |
8447.509 |
| transcript.whisperx[291].end |
8451.332 |
| transcript.whisperx[291].text |
一、處理中華民國113年度中央政府總預算凍結書面報告案2、處理中華民國113年度中央政府總預算凍結書面報告案 |
| transcript.whisperx[292].start |
8471.189 |
| transcript.whisperx[292].end |
8474.973 |
| transcript.whisperx[292].text |
二、處理中華民國113年度中央政府總預算凍結書面報告案2案。breviation of審議凍結書面報告案3 |
| transcript.whisperx[293].start |
8493.61 |
| transcript.whisperx[293].end |
8515.183 |
| transcript.whisperx[293].text |
但是我們現在的電價調整也就是能源政策的一個錯誤它不僅僅只是造成最近比如說你看整個的缺電然後很多的跳電的問題還有其實它所帶來的是來自於我們通膨的壓力中央銀行的貨幣政策還有租屋族的壓力你同不同意 |
| transcript.whisperx[294].start |
8515.803 |
| transcript.whisperx[294].end |
8527.827 |
| transcript.whisperx[294].text |
跟那個委員報告一下的確有些事是說那個電費的漲他的房租會增加但是有些他們在計算的時候房租他們跟那個電費是兩個獨立的是獨立的算 |
| transcript.whisperx[295].start |
8531.645 |
| transcript.whisperx[295].end |
8559.605 |
| transcript.whisperx[295].text |
對,獨立算,所以它電價就漲啊,那個租屋族也是漲啊,因為租屋族它是被動,因為我的這個時間也有限但是呢,我要講就是說,我們現在真的要去正視我們整個租屋族的壓力我覺得我們政府好像沒有去,除了主計處,其他好像沒有特別去重視已經連續8個月多破2%,而且一直不停的上漲,我覺得對租屋族來講是非常大的壓力 |
| transcript.whisperx[296].start |
8560.205 |
| transcript.whisperx[296].end |
8583.724 |
| transcript.whisperx[296].text |
那另外那個主席長想請問一下我們今年二倍金動用了嗎二倍金有些來申請動用但是目前還沒有支付那我們現在就是這一次的花蓮震災會不會動用二倍金目前並沒有要動用二倍金它在4月3號發生震災的時候我們就主計總處就在當天有撥啦 |
| transcript.whisperx[297].start |
8588.408 |
| transcript.whisperx[297].end |
8592.991 |
| transcript.whisperx[297].text |
主計長我想請問一下以花蓮縣政災的規模這麼大因為包含東華大學包含整個太魯閣很多景區的一個復建是不是應該編列特別預算 |
| transcript.whisperx[298].start |
8608.19 |
| transcript.whisperx[298].end |
8618.067 |
| transcript.whisperx[298].text |
那個編列特別預算可以討論到如果是說金額小的話編列特別預算是不是有必要可以請大院作為一個參考 |
| transcript.whisperx[299].start |
8619.178 |
| transcript.whisperx[299].end |
8642.052 |
| transcript.whisperx[299].text |
所以是特別列特別預算那另外請問一下主計長主計長雖然可能馬上要那個離開位置因為我們現在呢在財委會有很多委員提出我們那個預算法的修正那麼預算法第83條第4款比如說我就提出來第4款直接刪除但是我想請問主計長你應該對預算法滾刮爛熟比我還要熟悉了 |
| transcript.whisperx[300].start |
8646.215 |
| transcript.whisperx[300].end |
8661.833 |
| transcript.whisperx[300].text |
如果83條第4款把它刪除請問一下像0403花蓮這樣重大的災害可不可以編列特別預算那個是可以利用第三款那個是可以的 |
| transcript.whisperx[301].start |
8662.273 |
| transcript.whisperx[301].end |
8690.987 |
| transcript.whisperx[301].text |
沒有錯嘛它利用第三款是可以繼續再對重大災害有些像那個是我們像前些時候的前瞻就是利用第四款它是利用第四款像前瞻利用第三款可是比如過去的一些重大災害是可以利用第三款所以完全不會影響重大災害或者是經濟重大災變的這些的就是特別預算的編列對不對 |
| transcript.whisperx[302].start |
8692.191 |
| transcript.whisperx[302].end |
8718.629 |
| transcript.whisperx[302].text |
對那個是要看那個他所做的事項是什麼啦那如果是因為主計長你最熟預算法因為前一陣子呢有很多的一些我直接說一些側翼針對我們對預算法的修正把他汙名化說哎呀這樣呢花蓮正宅就不能夠編列特別預算這個根本就是胡說八道啊那個跟委員說明一下如果是正宅 |
| transcript.whisperx[303].start |
8719.569 |
| transcript.whisperx[303].end |
8743.691 |
| transcript.whisperx[303].text |
有關的是可以用第三款如果是因為地震要復原的話就要回到第四款復原的話就可以用公務預算就不能不能夠用特別預算了嗎對那個我可以認同委員的觀點但是我們現在0403現在如果要編列特別預算是可以的嗎 |
| transcript.whisperx[304].start |
8747.098 |
| transcript.whisperx[304].end |
8759.004 |
| transcript.whisperx[304].text |
我是認為說可以討論因為我看到那個貴黨提出來才150億要分3年那就像委員所講的是不是可以在普通預算裡面容納 |
| transcript.whisperx[305].start |
8759.895 |
| transcript.whisperx[305].end |
8760.876 |
| transcript.whisperx[305].text |
一、處理中華民國113年度中央政府總預算凍結書面報告案 |
| transcript.whisperx[306].start |
8777.904 |
| transcript.whisperx[306].end |
8806.099 |
| transcript.whisperx[306].text |
二倍金花了這麼多錢在打砸結果呢賬片頻創新高啊浪費我們那麼多納稅人的錢做了很多的宣傳啊結果呢我們的不管是案件數或金額數都只有在升高所以未來各部會我又沒有時間比較下面還要剪好幾個部會動用二倍金長年就在編列長年的來用二倍金其實都是不合理的 |
| transcript.whisperx[307].start |
8806.659 |
| transcript.whisperx[307].end |
8834.102 |
| transcript.whisperx[307].text |
那對他自己原來自己的部門預算他都隨便在亂編嗎二、備金花了那麼多的錢在打詐結果打詐的成績這麼難看阿伯現在跟委員報告一下因為112年的軍會是在112年5、6月份的時候就要確定所以在那個時候打詐的那個還沒有那麼說有急迫性阿現在是因為到了112的時候打詐急迫性所以會要動用二、備金謝謝委員 |
| transcript.whisperx[308].start |
8837.111 |
| transcript.whisperx[308].end |
8838.492 |
| transcript.whisperx[308].text |
主席好有請金管會主委有請黃主委 |
| transcript.whisperx[309].start |
8866.704 |
| transcript.whisperx[309].end |
8891.92 |
| transcript.whisperx[309].text |
主委好您辛苦了。主委我們看到目前的行政院版頭顧法草案第49條之三第一項他是不是有說到不動產投資信託基金不得投資於住宅那請問一下主委就是為何限制不動產投資信託基金來投資住宅 |
| transcript.whisperx[310].start |
8892.677 |
| transcript.whisperx[310].end |
8915.422 |
| transcript.whisperx[310].text |
因為過去這段時間大家對,也許我們在2020開始有這個房價穩定的這些相關的機制措施,大家對高房價其實都有一些社會的誤議。那我們是有一點顧慮,那如果這個新的資金來源也投資到這個住宅的話,會不會讓一些民眾誤認為說這個基金也是在炒房。 |
| transcript.whisperx[311].start |
8915.862 |
| transcript.whisperx[311].end |
8940.632 |
| transcript.whisperx[311].text |
是是好謝謝主委我們也是這麼想那我們來看一下頭目法草案的第5條他有去定義不動產失職土地還有其他建物等等等那都計法呢他說劃定住宅商業工業等使用區另外第34條也說住宅區為保護 |
| transcript.whisperx[312].start |
8941.392 |
| transcript.whisperx[312].end |
8941.772 |
| transcript.whisperx[312].text |
議員主席議員主席 |
| transcript.whisperx[313].start |
8963.141 |
| transcript.whisperx[313].end |
8985.861 |
| transcript.whisperx[313].text |
為什麼這麼問這麼關心因為頭顧法草案第49條之3他是可以投資開發型的不動產那問題就是想要請教關於這種他必須要去買地那他買地他到底是要購買商業用地還是購買住宅用地還是說他都可以買 |
| transcript.whisperx[314].start |
8988.029 |
| transcript.whisperx[314].end |
8994.838 |
| transcript.whisperx[314].text |
三、處理中華民國113年度中央政府總預算凍結書面報告案2案。netesa |
| transcript.whisperx[315].start |
9007.553 |
| transcript.whisperx[315].end |
9030.623 |
| transcript.whisperx[315].text |
舉例的限制那我們來看一下如果以臺北市為例來看他的第三類住宅區他是可以蓋旅館的所以再請教一下這個不動產投資信託基金可以購買住宅用地興建旅館嗎報告委員這個我不是地政專家那住宅用地興建旅館我不曉得可不可以但是旅館是可以的 |
| transcript.whisperx[316].start |
9034.309 |
| transcript.whisperx[316].end |
9052.803 |
| transcript.whisperx[316].text |
關心當這個不動產投資信託基金購買住宅用地的時候您剛剛一開始就講嘛是有可能會推升附近住宅的一個房價用地價格那我就是想請教主委您認為需不需要做限制 |
| transcript.whisperx[317].start |
9054.005 |
| transcript.whisperx[317].end |
9055.346 |
| transcript.whisperx[317].text |
主席主席主席主席 |
| transcript.whisperx[318].start |
9074.198 |
| transcript.whisperx[318].end |
9093.669 |
| transcript.whisperx[318].text |
那我會提一個修正動議就是不動產投資信託基金以投資或運用於下列標的為限且不得投資於住宅法第3條第1款所定住宅或都市計劃法第34條所定住宅區土地主委你怎麼看 |
| transcript.whisperx[319].start |
9094.451 |
| transcript.whisperx[319].end |
9094.571 |
| transcript.whisperx[319].text |
主席主席 |
| transcript.whisperx[320].start |
9111.536 |
| transcript.whisperx[320].end |
9120.319 |
| transcript.whisperx[320].text |
一、處理中華民國113年度中央政府總預算決議．有關審計一、處理中華民國113年度中央政府總預算決議．有關審計一、處理中華民國113年度中央政府總預算決議．有關審計一、處理中華民國113年度中央政府總預算決議．有關審計一、處理中華民國113年度中央政府總預算決議．有關審計一、處理中華民國113年度中央政府總預算決議．有關審計一、處理中華民國113年度中央政府總預算決議．有關審計一、處理中華民國113年度中央政府總預算決議 |
| transcript.whisperx[321].start |
9138.524 |
| transcript.whisperx[321].end |
9158.569 |
| transcript.whisperx[321].text |
那事實上這個應該是可以掌握的因為警鐘早已響起啊2020年全球爆發疫情大家開始做遠距辦公那這個已經是漸漸變成常態化可以預期商辦的需求會弱化加上呢前年的3月美國暴力升息 |
| transcript.whisperx[322].start |
9159.289 |
| transcript.whisperx[322].end |
9162.19 |
| transcript.whisperx[322].text |
因此這是可預期的需求下降成本上升業者就倒閉那為什麼關心這個問題因為新聞有看到啦金管會證實六家銀行重建喔 |
| transcript.whisperx[323].start |
9180.194 |
| transcript.whisperx[323].end |
9202.629 |
| transcript.whisperx[323].text |
那什麼意思就是我們看到他們是聯合借錢給這些歐美的商辦業者那目前我這邊得知的案件數是10件美國的連帶案跟一件歐洲連帶案他的參代餘額呢大概是104億多新台幣那預估的待帳損失呢是大約30億的新台幣 |
| transcript.whisperx[324].start |
9203.59 |
| transcript.whisperx[324].end |
9220.577 |
| transcript.whisperx[324].text |
可是我們看到金管會2023年的稅入預算是8億多嘛所以這個災障的損失呢變成是你們金管會4年稅收的總和所以我想要請教一下主委你們掌握到的是哪六家銀行我問您報告 |
| transcript.whisperx[325].start |
9225.45 |
| transcript.whisperx[325].end |
9247.56 |
| transcript.whisperx[325].text |
美國的情況您分析得非常好可是我跟您報告其實我們兩年前就開始要求我們的銀行去注意他的有而且精檢也有去做而且這裡面所發現遇到雷的這些銀行其實精檢有的真的經驗也都去查過不是沒有查那這六家當然有一家是對您已經公佈了一家 |
| transcript.whisperx[326].start |
9249.596 |
| transcript.whisperx[326].end |
9252.32 |
| transcript.whisperx[326].text |
還有一家民營的趙鋒、易營、張營、何酷請教一下民營是誰王道銀行 |
| transcript.whisperx[327].start |
9262.544 |
| transcript.whisperx[327].end |
9289.5 |
| transcript.whisperx[327].text |
那其中有一些因為歐洲的那個法國的那個那個養老院的案子是一個連帶案那個案子其實檢察局去歐洲查的時候也有查到其實我們都是從新聞看他說共有10件商辦受信損失6家銀行踩雷那其中呢有兩件以全數轉銷呆帳再請教一下主委轉銷呆帳的那一家是哪一家 |
| transcript.whisperx[328].start |
9290.794 |
| transcript.whisperx[328].end |
9298.66 |
| transcript.whisperx[328].text |
華銀轉銷張銀轉銷 |
| transcript.whisperx[329].start |
9298.973 |
| transcript.whisperx[329].end |
9322.192 |
| transcript.whisperx[329].text |
那去年12月金管會將歐美商辦授信案列入了海外精簡重點您剛剛提到了那精簡的時候到底查出哪些缺失?報告員其實我跟您報告您剛剛一開始點出來一個是需求面因為疫情第二就是美國暴力升息這兩點其實在當初我在做貸款的時候其實都不見得是銀行它能夠預料的到銀行預料不到 |
| transcript.whisperx[330].start |
9325.162 |
| transcript.whisperx[330].end |
9325.882 |
| transcript.whisperx[330].text |
希望金管會更精進 |
| transcript.whisperx[331].start |
9342.85 |
| transcript.whisperx[331].end |
9354.621 |
| transcript.whisperx[331].text |
很多的狀況能夠及早的去掌握預警那避免再度採了影響我們的金融市場那最後一個問題也是從新聞看的有一個東西叫入金機 |
| transcript.whisperx[332].start |
9356.849 |
| transcript.whisperx[332].end |
9382.54 |
| transcript.whisperx[332].text |
請問主委你聽過這個東西嗎我最近有看到網路上有這個我是從來不知道有這個東西後來我才知道說原來有一個東西叫入金機客戶可以租用存現金進去遠端連線可以存到他銀行的帳戶然後定時定期會有保全公司去提領那個現金到銀行竟然有這種東西那我們看到 |
| transcript.whisperx[333].start |
9383.22 |
| transcript.whisperx[333].end |
9405.436 |
| transcript.whisperx[333].text |
入金機已經變成是詐騙工具了喔。犯罪集團呢他們把贓款存到這個入金機有什麼好處不用跑銀行不用被盤問欸竟然有這種東西那請教一下主委就您目前的掌握這個入金機他到底是保險公司借出去的還是銀行出借的 |
| transcript.whisperx[334].start |
9406.038 |
| transcript.whisperx[334].end |
9426.343 |
| transcript.whisperx[334].text |
我們了解是目前中部有一家有一家一個入金機的地方被檢調移送但是目前沒有資訊得知這個入金機的所有者或是聯繫的機制是跟金融機構有沒有關係還不確定所以現在我們其實無法確知這個東西我們沒有辦法從檢調得到資訊不過一般銀行的ATM本來就有存款功能 |
| transcript.whisperx[335].start |
9426.783 |
| transcript.whisperx[335].end |
9441.63 |
| transcript.whisperx[335].text |
好那這個已經算是警鐘了嘛變成一個犯罪工具那依照我們洗房法所定的這個金融機構對達一定金額以上通過交易及疑似洗錢交易的申辦報法第二條 |
| transcript.whisperx[336].start |
9442.63 |
| transcript.whisperx[336].end |
9466.461 |
| transcript.whisperx[336].text |
指新台幣50萬元交易完成後5個營業日內要以媒體申報的方式向法務部調查局申報所以這邊請教主委就是入金機不論是就像你們剛剛講的還沒有辦法掌握是保險公司還是銀行就是想要請教匯入了這個超過50萬有沒有受到這個法的一個 |
| transcript.whisperx[337].start |
9468.076 |
| transcript.whisperx[337].end |
9483.677 |
| transcript.whisperx[337].text |
約束力有沒有要申報因為入金機不能判斷是不是銀行的我想應該是銀行的機會也不見得那麼大所以勢必這是一個破口如果是大家有很多這種入金機的話就要去做防範 |
| transcript.whisperx[338].start |
9484.857 |
| transcript.whisperx[338].end |
9512.379 |
| transcript.whisperx[338].text |
對他就是一個破口啦所以我們現在就是說要去查嘛他會入哪一些銀行是境內還是境外齁這個希望金管會要去掌握而且我們比較擔心的是說因為你們一直強調KYC是這個know your customer是你知道你的客戶是誰認識你的客戶是誰是金管會再三要求銀行要落實的洗房準則齁所以這個部分我們是希望說摸高一尺啊 |
| transcript.whisperx[339].start |
9512.799 |
| transcript.whisperx[339].end |
9514.08 |
| transcript.whisperx[339].text |
五、處理中華民國113年度中央政府總預算凍結書面報告案 |
| transcript.whisperx[340].start |
10206.015 |
| transcript.whisperx[340].end |
10207.076 |
| transcript.whisperx[340].text |
有請黃主委有請黃主委 |
| transcript.whisperx[341].start |
10239.361 |
| transcript.whisperx[341].end |
10258.902 |
| transcript.whisperx[341].text |
我們昨天談到的是融資公司專法那今天早上臺北律師公會也開了一個記者會他們也提出了民間的版本那我想這幾天大家都在討論不管是山道猴子還是說現在的三大租賃公司他們現在已經是我國最大的銀子銀行 |
| transcript.whisperx[342].start |
10260.043 |
| transcript.whisperx[342].end |
10287.023 |
| transcript.whisperx[342].text |
那融資公司現在的亂象已經超越當年的銀行卡債的風暴那現在它的債務吹收違約金的上限還有利率的上限甚至貸款審核的責任都沒有任何辦法可以管主委這是我們認為它是民間借貸但是它跟我們銀行高度監管跟高度管控的這樣的手法完全不一樣 |
| transcript.whisperx[343].start |
10288.384 |
| transcript.whisperx[343].end |
10317.348 |
| transcript.whisperx[343].text |
現在今天像律師公會他們提出來的現在是一張照片就可以核代買一個電冰箱拍一張電冰箱的照片就可以核代20萬這才是今天融資公司法必須有存在的必要性主委我知道你們有很多疑慮對於這樣的現象主委有什麼看法一張照片可以貸款20萬一個買一個冰箱可以貸款20萬這是什麼樣的融資公司 |
| transcript.whisperx[344].start |
10317.788 |
| transcript.whisperx[344].end |
10343.116 |
| transcript.whisperx[344].text |
對,其實委員您指正的很對因為傳統上銀行壽星應該是以那個財產的價值long to value信貸比他那個有點是不動銀收債權收買我們已經要求租賃公會去訂內部融資的標準不可以超過物的價值所以主委我們現在要求租賃公司做這件事他們現在給他資率我們也給他什麼但是一樣嘛沒有法可管 |
| transcript.whisperx[345].start |
10343.736 |
| transcript.whisperx[345].end |
10345.958 |
| transcript.whisperx[345].text |
三、處理中華民國113年度中央政府總預算凍結書面報告案2案。 |
| transcript.whisperx[346].start |
10362.493 |
| transcript.whisperx[346].end |
10363.574 |
| transcript.whisperx[346].text |
3、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[347].start |
10381.731 |
| transcript.whisperx[347].end |
10396.326 |
| transcript.whisperx[347].text |
一、處理中華民國113年度中央政府總預算凍結書面報告案2、處理中華民國113年度中央政府總預算凍結書面報告案3、處理中華民國113年度中央政府總預算凍結書面報告案4、處理中華民國113年度中央政府總預算凍結書面報告案5、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案7、處理中華民國113年度中央政府總預算凍結書面報告案8、處理中華民國113年度中央政府總預算凍結書面報告案9、處理中華民國 |
| transcript.whisperx[348].start |
10403.473 |
| transcript.whisperx[348].end |
10429.229 |
| transcript.whisperx[348].text |
主委我知道你們還有疑慮但是這件東西可能是專法必須要去規範的不管你是用各種方式用公會自律或者是用上市櫃公司來管這三大家但是融資公司還是台灣很大的痛啊所以主委我希望聽到的是在您任內或下一個金管會主委融資公司專法應該是中華民國政府無可迴避的責任你同意嗎 |
| transcript.whisperx[349].start |
10430.441 |
| transcript.whisperx[349].end |
10451.935 |
| transcript.whisperx[349].text |
我想您提的幾個問題目前都是用要求他自立的方式處理那委員如果要用提升法律的位階我昨天有跟大家報告說立法技術上可能有些地方要去框定可以討論但是不能迴避什麼的責任我想一開始您第一天質詢我我記得很清楚你講得很明確你說你至少要求我有一些最低的標準要定出來 |
| transcript.whisperx[350].start |
10452.295 |
| transcript.whisperx[350].end |
10453.215 |
| transcript.whisperx[350].text |
三、處理中華民國113年度中央政府總預算凍結書面報告案2案。 |
| transcript.whisperx[351].start |
10470.504 |
| transcript.whisperx[351].end |
10498.73 |
| transcript.whisperx[351].text |
然後就會發生今天很多委員都在提的很多的不管是現在執行法院因為我們最高法院有相關的解釋了所以保險成為被執行的標的保險的準備金保障準備金成為所謂在日人的資產是可以被強制執行的我也是上任之後第一時間就跟保險局討論這件事情因為有太多的民眾尤其是現在行政執行欠稅的人 |
| transcript.whisperx[352].start |
10499.37 |
| transcript.whisperx[352].end |
10514.905 |
| transcript.whisperx[352].text |
一、處理中華民國113年度中央政府總預算凍結書面報告案2、處理中華民國113年度中央政府總預算凍結書面報告案3、處理中華民國113年度中央政府總預算凍結書面報告案4、處理中華民國113年度中央政府總預算凍結書面報告案5、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案7、處理中華民國113年度中央政府總預算凍結書面報告案8、處理中華民國113年度中央政府總預算凍結書面報告案9、處理中華民國 |
| transcript.whisperx[353].start |
10515.746 |
| transcript.whisperx[353].end |
10538.728 |
| transcript.whisperx[353].text |
那我這兩天看到大家在討論介入權介入權是在受益人的權益的保障但是我今天要討論的是不管受益人是不是要保人比較嚴重的是被保險人他的權益有沒有被保障今天我幫我的小孩買一個醫療險買一個防癌險等到有一天我欠錢了 |
| transcript.whisperx[354].start |
10539.409 |
| transcript.whisperx[354].end |
10539.549 |
| transcript.whisperx[354].text |
議員主委、局長 |
| transcript.whisperx[355].start |
10564.318 |
| transcript.whisperx[355].end |
10580.407 |
| transcript.whisperx[355].text |
健康險才是我認為在保險要被強制執行的標的上面應該要排除這個案子我找過司法院民事廳來討論他說他們沒有問題只要修法那我問他是要修強制執行法還是要修保險法他們建議修保險法 |
| transcript.whisperx[356].start |
10581.408 |
| transcript.whisperx[356].end |
10594.153 |
| transcript.whisperx[356].text |
所以局長跟主委我想知道你們的意見我們能夠把醫療險、健康險的這些排除在強制執行之外嗎?有沒有可能在這個上面對被保險人多一些的保障? |
| transcript.whisperx[357].start |
10599.446 |
| transcript.whisperx[357].end |
10628.002 |
| transcript.whisperx[357].text |
根文報告其實我們之前也有研議過是不是要修保險法那時候大概外界的意見很分歧後來我們才暫停啦所以啊對民視聽說不要修我的強制法你們修你們的保險法而且說保險法外界有很多意見那請問到底要修哪個法那我們本來是建議說因為現在有像行政法院或者是那個行政法院像臺北行政法院基本上就是解約了啦 |
| transcript.whisperx[358].start |
10628.602 |
| transcript.whisperx[358].end |
10651.241 |
| transcript.whisperx[358].text |
然後強制執行處都看情況還會請當事人來表示一下意見問題就是我剛剛講的那些儲蓄險跟投資型保單我沒什麼意見不管受益者他有沒有介入權他都是他的權益但是健康險、防白險、醫療險這些險我希望他能夠基本做到保護這個被保險人他應該有的權益而不會受影響 |
| transcript.whisperx[359].start |
10653.082 |
| transcript.whisperx[359].end |
10675.909 |
| transcript.whisperx[359].text |
對這個部分其實我們原來是建議那個司法院能夠做一個指導原則啦因為司法院就推給你們啊有保險局來認定我們今天要說的是這件事情已經成為很多民眾的困擾這件事情應該要讓基本的保障不要受到影響就也就是說我現在但是不會影響我孩子我幫我孩子買了20年的妨礙險保單 |
| transcript.whisperx[360].start |
10677.989 |
| transcript.whisperx[360].end |
10678.349 |
| transcript.whisperx[360].text |
財政委員 |
| transcript.whisperx[361].start |
10697.156 |
| transcript.whisperx[361].end |
10723.165 |
| transcript.whisperx[361].text |
謝謝主委我非常高興聽到這句話接下來還有另外一個問題其實我覺得我們在財委會都非常關心每一個人民的權利跟義務接下來就是我們在所謂打仗有所謂的警示賬戶警示賬戶如果他已經有錢成立了或者是他證明他是人頭他不是故意的可能他會被不起訴不起訴之後警示賬戶就會被取消那他就可以使用 |
| transcript.whisperx[362].start |
10724.125 |
| transcript.whisperx[362].end |
10741.719 |
| transcript.whisperx[362].text |
但是現在有新的規定是有所謂的告誡賬戶他可能也是人頭戶他可能也被不起訴但是告誡賬戶目前為止沒有直接可以拿不起訴處分解除他的告誡的程序沒有這個救濟管道 |
| transcript.whisperx[363].start |
10743.12 |
| transcript.whisperx[363].end |
10769.819 |
| transcript.whisperx[363].text |
主委有了解嗎我知道這中間有一個就是有一個很大的gap就是你要配合檢調去強制執行還是兼顧人的這些是的 我這個知道我的意思是說警示賬戶只要拿著不起訴處分書就可以解除但是告誡賬戶我拿了不起訴處分書還不一定能解除我還要去打個官司說我是被騙的我是被害人我沒有我錢進來我沒有轉出去這些事我被告誡 |
| transcript.whisperx[364].start |
10770.58 |
| transcript.whisperx[364].end |
10792.869 |
| transcript.whisperx[364].text |
告誡雖然他還可以用但是他的賬戶很難用可是告誡賬戶目前為止的機制並沒有讓他直接可以從警察機關來做因為不起訴處分而讓他能夠解除這樣的程序我認為目前為止洗房法有這樣子告誡賬戶的新的機制但是忘記了怎麼解除他的程序 |
| transcript.whisperx[365].start |
10794.01 |
| transcript.whisperx[365].end |
10805.872 |
| transcript.whisperx[365].text |
規定沒有加進去所以我希望金管會去研議一下有關告誡賬戶之後是不是跟警示賬戶一樣他有一個直接拿不起訴處分書就可以解除的程序 |
| transcript.whisperx[366].start |
10806.843 |
| transcript.whisperx[366].end |
10824.066 |
| transcript.whisperx[366].text |
主委瞭解我的意思嗎?我瞭解我想您垂詢的有道理我覺得這兩個不能一樣的處分嘛你因為是警示然後最後給我告誡結果警示解除了告誡還不一定解除這是什麼狀況勒?是如果不寫出處分書可以 |
| transcript.whisperx[367].start |
10824.747 |
| transcript.whisperx[367].end |
10835.821 |
| transcript.whisperx[367].text |
解除警示不能解除告誡我實在是不知道我們了解一下不同帳戶之間處理的程序跟標準一不一樣那去做調和所以我希望人民的權利義務我們發聲了 |
| transcript.whisperx[368].start |
10838.538 |
| transcript.whisperx[368].end |
10864.952 |
| transcript.whisperx[368].text |
問題發現了問題我們就應該幫他們解決尤其是保險現在成為執行的標的這件事情已經造成了大部分很多很多包括執行機關包括保險公司包括民眾他可能20年前買的保險他根本不知道他自己20年後會欠債但是基本的保障我們不應該剝奪他保障債權的權益同時要保障債務人基本的生活保障 |
| transcript.whisperx[369].start |
10865.772 |
| transcript.whisperx[369].end |
10880.57 |
| transcript.whisperx[369].text |
謝謝主委。謝謝委員。謝謝黃珊珊委員的資訊。接著我們請李坤城委員資訊。 |
| transcript.whisperx[370].start |
10897.334 |
| transcript.whisperx[370].end |
10901.296 |
| transcript.whisperx[370].text |
謝謝主席我們請黃主委好請黃主委黃院長 |
| transcript.whisperx[371].start |
10908.507 |
| transcript.whisperx[371].end |
10908.567 |
| transcript.whisperx[371].text |
主席 |
| transcript.whisperx[372].start |
10929.621 |
| transcript.whisperx[372].end |
10941.706 |
| transcript.whisperx[372].text |
檢督這管理這方面那對於這個先例這方面呢好像做的比較少我不曉得這個主委對於外界這樣的這一個這樣的一個看法有什麼樣的回應嗎 |
| transcript.whisperx[373].start |
10943.108 |
| transcript.whisperx[373].end |
10962.973 |
| transcript.whisperx[373].text |
我通常都是謙虛公開就是覺得大家的指教我們就虛心接受不過我跟委員報告我從上任以來每一年青春記者會都有列下來幾個面向幾十項上百項我們推動的措施其中我想記者朋友很清楚我們去看看這裡面 |
| transcript.whisperx[374].start |
10964.373 |
| transcript.whisperx[374].end |
10986.147 |
| transcript.whisperx[374].text |
難道真的只有限制、沒有開放、沒有心理嗎?我個人覺得這樣的評論我覺得不見得跟我過去所推動的措施相似。所以你對這樣的評論你不服氣就對了?我不想說不服氣,我虛心接受,但是我覺得我們...那那那,請主委稍微談一下,你認為說在你任內,你覺得說在心理這部分,你覺得做得比較好大概是哪些部分? |
| transcript.whisperx[375].start |
10987.503 |
| transcript.whisperx[375].end |
11015.8 |
| transcript.whisperx[375].text |
我覺得至少在在這個看你怎麼定義心理沒有沒有就是就主委來看嘛比方說至少在雲端委外方面我們在去年8月發布的這個雲端委外措施從核准制變成以風險為基礎的這個被查制這個大幅的讓業者將來在不論在資訊的安全或是將來業務的發展上有很大的這個空間沒有就是說這個當然啦我是希望說這個我們除了這個 |
| transcript.whisperx[376].start |
11018.162 |
| transcript.whisperx[376].end |
11018.922 |
| transcript.whisperx[376].text |
三、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[377].start |
11046.741 |
| transcript.whisperx[377].end |
11048.482 |
| transcript.whisperx[377].text |
三、處理中華民國113年度中央政府總預算凍結書面報告案2案。netesa |
| transcript.whisperx[378].start |
11074.677 |
| transcript.whisperx[378].end |
11099.974 |
| transcript.whisperx[378].text |
金管會成立93年以前20年所有的法規已經廢掉了8000多件但是沒有人會知道但是那就是我們要做雜耕的工作廢掉8000多件那是8000多個法規我們去檢討金管會成立以前那個時候是什麼綁手綁腳的法規嗎不是那些法規我們檢討這些法規還需不需要用不需要就把它廢掉下架這減少業者的法尊成本 |
| transcript.whisperx[379].start |
11101.474 |
| transcript.whisperx[379].end |
11126.361 |
| transcript.whisperx[379].text |
現在這個當然我是希望說有做也讓大家知道因為不是只有你個人這也包含這個我們政府在做那現在要講心力其實這個我記得這個前幾個禮拜在講就是我們希望說這個這個我們受寫業者能夠回來投資這個我們受寫業者對外投資很多但是參與這個國內的公共建設其實比較少那今天我們談這個REITs其實REITs也是一樣 |
| transcript.whisperx[380].start |
11127.521 |
| transcript.whisperx[380].end |
11127.621 |
| transcript.whisperx[380].text |
是的。 |
| transcript.whisperx[381].start |
11148.437 |
| transcript.whisperx[381].end |
11172.26 |
| transcript.whisperx[381].text |
那我同樣講誘因的部分夠不夠啦就是說受險業者我們過去前幾個禮拜講說要什麼樣的誘因讓他回來投資台灣的這個公共建設哇大概這個去到這個國外的這個投資比例跟投資在台灣的這比例差太多那我們今天談這個REITS那到底REITS有什麼樣的誘因可以讓投資者他願意去來投資 |
| transcript.whisperx[382].start |
11175.35 |
| transcript.whisperx[382].end |
11200.078 |
| transcript.whisperx[382].text |
這個基本上他是一個封閉型基金他基本上對小額投資人是可以去適合去投資的那當然因為他是正確化的商品又有穩定的現金流量他也適合機構投資人比方說保險公司對就是說就一般的這個投資者來講他這個他可以去投資這一個透過這個REIT來投資這個臺灣的一些房地產 |
| transcript.whisperx[383].start |
11201.294 |
| transcript.whisperx[383].end |
11221.85 |
| transcript.whisperx[383].text |
那我們也希望說這一個有更多的這些REITs成立之後對於臺灣的這個公共建設他也能夠去投資嘛對不對但是公共建設必須要有穩定現金流量要有一定的期間的那我看我們過去的這一個不動產投資信託大概只有現在只有6家嘛對不對 |
| transcript.whisperx[384].start |
11223.834 |
| transcript.whisperx[384].end |
11242.123 |
| transcript.whisperx[384].text |
五、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國 |
| transcript.whisperx[385].start |
11253.837 |
| transcript.whisperx[385].end |
11268.647 |
| transcript.whisperx[385].text |
我們當然預期剛才召委有特別希望我們能夠列出一些指標我們如果通過之後我們預計有多少的這個產生多少的這個可能產生的這個基金的規模我們會再去估算不是啊那所以有哪些指標嗎 |
| transcript.whisperx[386].start |
11271.124 |
| transcript.whisperx[386].end |
11284.455 |
| transcript.whisperx[386].text |
指標就是看比方說現在大概6、7黨在700多億將來如果這個法案通過之後那預期可能第一年可能會有多少基金募集可以募集多少金額可能就從這方面去估計你們有概算過嗎? |
| transcript.whisperx[387].start |
11286.457 |
| transcript.whisperx[387].end |
11314.819 |
| transcript.whisperx[387].text |
當年是有一些估算但是不是很精確了那當然我想跟郭昭惠有特別要求我們再繼續去算一下是啊因為這其實上一屆有提出來啦那這個我們就是既期就不續審啦那今年再提出來啦那我的意思是說如果要有這個誘因的話那我是不知道說你們的這個誘因在哪裡能夠讓目前只有六黨的這個基金這個在我們這個相關條例修改之後 |
| transcript.whisperx[388].start |
11315.459 |
| transcript.whisperx[388].end |
11330.663 |
| transcript.whisperx[388].text |
一、處理中華民國113年度中央政府總預算凍結書面報告案2、處理中華民國113年度中央政府總預算凍結書面報告案3、處理中華民國113年度中央政府總預算凍結書面報告案4、處理中華民國113年度中央政府總預算凍結書面報告案5、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案7、處理中華民國113年度中央政府總預算凍結書面報告案8、處理中華民國113年度中央政府總預算凍結書面報告案9、處理中華民國 |
| transcript.whisperx[389].start |
11345.309 |
| transcript.whisperx[389].end |
11368.757 |
| transcript.whisperx[389].text |
過去瑞士平均的殖利率大概是2.2%到3.9%之間算是穩定可是交易量是非常的少就你們的經驗來講殖利率大概要多少以上才有市場的吸引力我們相關的條文通過之後有辦法達到嗎? |
| transcript.whisperx[390].start |
11370.011 |
| transcript.whisperx[390].end |
11388.846 |
| transcript.whisperx[390].text |
我這個市場的機制我不敢妄言不過當然大家希望是比一般的存款利率要高因為收益跟安全性都是很重要的所以收益高可是也要有安全是啊沒有錯但是你也要有那個誘因讓大家願意去投資才對啊 |
| transcript.whisperx[391].start |
11389.411 |
| transcript.whisperx[391].end |
11408.712 |
| transcript.whisperx[391].text |
議員議員議員議員 |
| transcript.whisperx[392].start |
11409.093 |
| transcript.whisperx[392].end |
11426.857 |
| transcript.whisperx[392].text |
我們條例裡面這個第49條第13這邊有提到說這一個本條文生效日期算10年內買賣不動產投資信託基金收益憑證停徵證券交易稅這個是有這個條例嘛對不對是這也是謝謝財政部的支持但是這個不動產證券化條例第49條它是免徵 |
| transcript.whisperx[393].start |
11437.985 |
| transcript.whisperx[393].end |
11465.617 |
| transcript.whisperx[393].text |
因為現在的納保法是不是規定沒有辦法永久嗎?一定要有定一個期間?就是說我的意思是說就我來看這一個它的用意跟不動產證據法條例的精神是應該是一樣的啦那如果這樣子的話那是不是說能夠跟這個不動產證據法條例一樣就是就免徵就好了那不用說這個10年只有10年期間那10年之後呢再來看一下要怎麼樣做決定 |
| transcript.whisperx[394].start |
11466.567 |
| transcript.whisperx[394].end |
11492.318 |
| transcript.whisperx[394].text |
委員這個宋署長可以給您報告報告委員因為我們後來有納稅者權利保護法是大概106年左右生效的他新增的規定是所有的租稅優惠都一定要定時時年限所以因為這個法是定在這個納稅者權利保護法生效之後所以一定要照相關的法律規定來辦理所以一定要定時時期限就不能用免徵要用停徵的方式 |
| transcript.whisperx[395].start |
11492.938 |
| transcript.whisperx[395].end |
11517.673 |
| transcript.whisperx[395].text |
那所以意思是說這個過去這個不通產證券化條例是因為那個你剛才講那個那是之前通過的對它之前就通過的那所以現在就是說10年就要檢討一次嗎是是是喔這個是有有有規定就對了對這是有法律規定的喔不然我想說如果精神是一致的話那在我們這一個不通產證券化它是它是免徵那為什麼在我們這個這個條例裡面它變成說10年之後再討論勒 |
| transcript.whisperx[396].start |
11518.558 |
| transcript.whisperx[396].end |
11518.918 |
| transcript.whisperx[396].text |
接下來請王世堅委員 |
| transcript.whisperx[397].start |
11557.304 |
| transcript.whisperx[397].end |
11581.455 |
| transcript.whisperx[397].text |
主席我請金管會黃主委。黃主委昨天我們金管會公佈有6家銀行在針對歐美商辦授信的部分踩雷 |
| transcript.whisperx[398].start |
11582.728 |
| transcript.whisperx[398].end |
11610.263 |
| transcript.whisperx[398].text |
那6家裡面更讓我們訝異的竟然是有5家公股、行庫這一點讓我們覺得是不可思議欸因為財政部也好、軍管會也好一再的三令五審希望資金能夠留在我們國內來投資公共建設那這一陣子這幾年就不要往國外 |
| transcript.whisperx[399].start |
11611.519 |
| transcript.whisperx[399].end |
11632.203 |
| transcript.whisperx[399].text |
財政委員會第11屆第1會期財政委員會第2會期財政委員會第3會期財政委員會第4會期財政委員會第5會期財政委員會第6會期財政委員會第7會期財政委員會第8會期財政委員會第9會期財政委員會第8會期財政委員會第9會期財政委員會第10會期財政委員會第11會期財政委員會第11會期財政委員會第12會期財政委員會第12會期財政委員會第13會期財政委員會第13會期財政委員會第14會期財政委員會第14會期財政委員會第14會期財政委員會第15會期 |
| transcript.whisperx[400].start |
11641.771 |
| transcript.whisperx[400].end |
11654.455 |
| transcript.whisperx[400].text |
連公營行庫都調皮搗蛋不聽政府的勸哪幾家剛才也有人槌尋大概就是三商營、彰化第一、華南嘛然後趙豐跟臺銀臺銀臺灣銀行連臺銀哇臺銀是模範生欸 |
| transcript.whisperx[401].start |
11663.547 |
| transcript.whisperx[401].end |
11686.013 |
| transcript.whisperx[401].text |
報告員這個這個授信有問題不見得一定是中間有弊端啦是他有些是風險的判斷對風險判斷的錯誤就是啦模範生也會犯這樣的錯誤我覺得很很訝異啦齁模範生頂多是忘了帶手帕指甲忘了剪怎麼會搞這麼這樣的差錯呢好那現在 |
| transcript.whisperx[402].start |
11691.209 |
| transcript.whisperx[402].end |
11714.867 |
| transcript.whisperx[402].text |
一、處理中華民國113年度中央政府總預算凍結書面報告案2、處理中華民國113年度中央政府總預算凍結書面報告案3、處理中華民國113年度中央政府總預算凍結書面報告案4、處理中華民國113年度中央政府總預算凍結書面報告案5、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案7、處理中華民國113年度中央政府總預算凍結書面報告案8、處理中華民國113年度中央政府總預算凍結書面報告案9、處理中華民國 |
| transcript.whisperx[403].start |
11720.566 |
| transcript.whisperx[403].end |
11738.411 |
| transcript.whisperx[403].text |
先前你有提過去年你有說要做海外精檢那請問海外精檢做了沒有做其實有的在有做又發生踩雷的然後現在很可能撲雷的還有1400多億 |
| transcript.whisperx[404].start |
11741.192 |
| transcript.whisperx[404].end |
11763.267 |
| transcript.whisperx[404].text |
那這做跟沒做有什麼差別嗎?報告員我們去精檢的時候這些貸款都已經是已經在做了只是去檢查他的做承貸過程中的流程是不是有依照相關的規定去做那做了那好那你海外精檢做的你認為這些授信包括已經採的或者即將曝顯的這1400多億加起來剩1500多億你認為你去精檢之後覺得這些有問題嗎? |
| transcript.whisperx[405].start |
11771.474 |
| transcript.whisperx[405].end |
11784.942 |
| transcript.whisperx[405].text |
基本上檢察局這邊的結果應該大體上沒有沒有沒有什麼重大的缺失都是程序面的問題是程序面的問題通通沒有缺失程序面程序本身就是 |
| transcript.whisperx[406].start |
11786.232 |
| transcript.whisperx[406].end |
11805.339 |
| transcript.whisperx[406].text |
程序他第一個不合程序的就是說他不聽政府的勸不是嗎我們都呼籲要把資金留在國內要趕快加速我們的公共建設結果他們不聽話還是跑了出去 |
| transcript.whisperx[407].start |
11808.108 |
| transcript.whisperx[407].end |
11833.056 |
| transcript.whisperx[407].text |
報告員這些事報告員跟您報告這個是他們我們國營在海外有很多家幾百家的分行是海外在分行所做的啦所以他本來就在海外就是要做海外的授信嘛對海外的授信本來就該做但是歐洲尤其美國美國那麼大他們的商業商辦 |
| transcript.whisperx[408].start |
11835.844 |
| transcript.whisperx[408].end |
11858.794 |
| transcript.whisperx[408].text |
這樣子的授信要特別小心他到處這邊再開發一下那邊開發一下到處他商業的這樣子的物件太多啦那隨著景氣沾汁在前呼煙在後一下在左一下在右這很難拿捏的不是嗎本來對這個部分就要特別小心啦 |
| transcript.whisperx[409].start |
11859.929 |
| transcript.whisperx[409].end |
11875.382 |
| transcript.whisperx[409].text |
你有這些銀行到國外去有那些分行並不是說那非得那就要一定要做一些授信案一定非得要做多少授信案沒有這樣子的壓力給他們不是嗎 |
| transcript.whisperx[410].start |
11876.215 |
| transcript.whisperx[410].end |
11898.688 |
| transcript.whisperx[410].text |
可是報告委員海外分行他的收入就是要靠受信才能夠有收入的對啦大政策大方向都告訴他說現在該緊縮的時候是該避險不避險為了賺那一點利息不但沒賺到本金被倒掉那不是很慘嗎 |
| transcript.whisperx[411].start |
11899.528 |
| transcript.whisperx[411].end |
11900.829 |
| transcript.whisperx[411].text |
我希望說你海外經檢不只是去年做了 |
| transcript.whisperx[412].start |
11923.581 |
| transcript.whisperx[412].end |
11951.027 |
| transcript.whisperx[412].text |
往後這應該例行性的定期的去做海外精簡那另外還有一件也是我覺得很離譜啊就我昨天提到的這個三大租賃公司數條三兄弟啊這個他們的老大哥中租敵核中租敵核在去年 |
| transcript.whisperx[413].start |
11953.366 |
| transcript.whisperx[413].end |
11981.246 |
| transcript.whisperx[413].text |
宮古行戶連帶給他的時候連帶1260億連帶給中租敵人的時候有跟他加注一個條件就是說這些資金不能拿到對岸中國去做投資授信這樣跟他要求啊不是嗎好啦他連帶拿到啦這個薯條三兄弟的老大 |
| transcript.whisperx[414].start |
11982.762 |
| transcript.whisperx[414].end |
11994.411 |
| transcript.whisperx[414].text |
就公然在中國那邊就大做特做拿到中國去做怎麼知道的欸欸黃主委你也很清楚嘛你看他們去年的財報他去年的財報他有35%的利潤來自於中國 |
| transcript.whisperx[415].start |
12004.161 |
| transcript.whisperx[415].end |
12020.839 |
| transcript.whisperx[415].text |
那就很清楚啦三令五申跟他說受信的條件就是啊那你這一筆你不要拿到中國去做他照樣拿去做那現在拿出來的成績說有啦我們公司三分之一的獲利來自於他 |
| transcript.whisperx[416].start |
12022.666 |
| transcript.whisperx[416].end |
12042.741 |
| transcript.whisperx[416].text |
黃主委第一點這樣子的獲利不可信這樣子的獲利就是公司他們的高層大家分一分而已第二點隱藏的危機根本全然不知啊不是嗎中國那邊現在經濟衰退各行各業都衰退 |
| transcript.whisperx[417].start |
12045.633 |
| transcript.whisperx[417].end |
12073.462 |
| transcript.whisperx[417].text |
國外歐美日自由世界的資金都大量從中國那邊撤離的時候只有這一家無敵鐵金剛拿著我們台灣我們存款戶的錢大剌剌的就過去了所以我認為啊他這樣子的財報只是表面的啦 |
| transcript.whisperx[418].start |
12074.535 |
| transcript.whisperx[418].end |
12094.24 |
| transcript.whisperx[418].text |
這樣的財報第一點黃主委這馬上就違背了我們的授信條件授信的要求不是嗎所以我希望黃主委你回去把這個查清楚連帶給他的是哪幾家銀行一定要查然後誰是主辦銀行第二點有加注這一條寫很清楚連帶給你這1260億不得到中國去做放款 |
| transcript.whisperx[419].start |
12103.157 |
| transcript.whisperx[419].end |
12131.281 |
| transcript.whisperx[419].text |
就這麼清楚他公然就這麼去啦所以這個你查一下你多久時間可以給我這個我們一週之內提供給委員是不是委員多久之內一週可以嗎一週之內這樣子的情況再來我要問你的就是說像類似這樣就是說銀行加注 |
| transcript.whisperx[420].start |
12133.083 |
| transcript.whisperx[420].end |
12152.916 |
| transcript.whisperx[420].text |
一、處理中華民國11年度中央政府總預算凍結書面報告案2、處理中華民國11年度中央政府總預算凍結書面報告案3、處理中華民國11年度中央政府總預算凍結書面報告案4、處理中華民國11年度中央政府總預算凍結書面報告案5、處理中華民國11年度中央政府總預算凍結書面報告案6、處理中華民國11年度中央政府總預算凍結書面報告案7、處理中華民國11年度中央政府總預算凍結書面報告案8、處理中華民國11年度中央政府總預算凍結書面報告案9、處理中華民國11年度中央政府總 |
| transcript.whisperx[421].start |
12162.802 |
| transcript.whisperx[421].end |
12166.744 |
| transcript.whisperx[421].text |
一、處理中華民國113年度中央政府總預算決議．有關審計一、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[422].start |
12190.197 |
| transcript.whisperx[422].end |
12216.292 |
| transcript.whisperx[422].text |
台灣我們台灣過去的錢大部分都是在當地借貸的但是他的利潤他說他公司的收益三分之一是來自於不是這樣嗎這個的確對某些租賃公司是事實那你認為他們這樣子的租賃公司那麼神通廣大在中國他另外有辦法拿到資金 |
| transcript.whisperx[423].start |
12218.442 |
| transcript.whisperx[423].end |
12243.64 |
| transcript.whisperx[423].text |
哦,那他們跟中共有共謀囉,有通囉?沒有,那是一個市場機制啦,那個企業需要資金向金融機構借貸。別的我不敢講,不可能有資金給他們在中國那邊放,原因是什麼?中國要這麼做,他們自己就去放給他們自己人就好啦,不是嗎?他幹嘛需要說我們台灣這邊的? |
| transcript.whisperx[424].start |
12246.171 |
| transcript.whisperx[424].end |
12272.249 |
| transcript.whisperx[424].text |
一、處理中華民國113年度中央政府總預算凍結書面報告案2、處理中華民國113年度中央政府總預算凍結書面報告案3、處理中華民國113年度中央政府總預算凍結書面報告案4、處理中華民國113年度中央政府總預算凍結書面報告案5、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案7、處理中華民國113年度中央政府總預算凍結書面報告案8、處理中華民國113年度中央政府總預算凍結書面報告案9、處理中華民國 |
| transcript.whisperx[425].start |
12273.979 |
| transcript.whisperx[425].end |
12297.077 |
| transcript.whisperx[425].text |
加注的這個條件他沒有做到那應該怎麼處罰他我已經很清楚他拿到中國去第二點是不是應該維新之氣王洋補勞現在就應該叫他把這筆貸款還回來為什麼因為中國那邊的市長黑媽媽一片 |
| transcript.whisperx[426].start |
12298.564 |
| transcript.whisperx[426].end |
12300.905 |
| transcript.whisperx[426].text |
一、處理中華民國113年度中央政府總預算決議．有關審計一、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[427].start |
12315.889 |
| transcript.whisperx[427].end |
12316.709 |
| transcript.whisperx[427].text |
二、處理中華民國11年度 |
| transcript.whisperx[428].start |
12342.935 |
| transcript.whisperx[428].end |
12367.648 |
| transcript.whisperx[428].text |
主席我們請這個行政院這個主計總處的主席長我們請主席長不過我剛剛聽到這個王委員的那個說法我覺得台灣的企業很可憐啊如果台灣的市場很小的時候沒有辦法賺到那麼多錢然後要去打世界盃都還不能去打世界盃如果外面可以賺錢還不能去這個企業實在太難經營了 |
| transcript.whisperx[429].start |
12369.349 |
| transcript.whisperx[429].end |
12398.038 |
| transcript.whisperx[429].text |
來 想請問主席長喔委員好我們請問金門的這個財力分級的議題啊主席長您做到520對吧應該是應該是喔還沒確認是吧會繼續幫我們服務嗎對我會去金門玩的你會去金門玩啊那在去金門之前你來幫我們關心一下這個我們金門這個財力分級啊我們一定會好好的接待你你看一下喔你說我們金門這個財力分級你知道我們現在第幾級嗎 |
| transcript.whisperx[430].start |
12400.515 |
| transcript.whisperx[430].end |
12425.29 |
| transcript.whisperx[430].text |
第三集我們一直說我們是離島我們跟澎湖馬祖事實上差不多意思吧離島我們是考慮財力來分啦不考慮離島不離島我們變第三我們第三集的原因是因為我們沒有借錢上回我問過你嘛對啊因為金門的財力不錯啊因為我們是那個好學生嘛不是說好學生啦財力不錯有稅計剩餘嘛 |
| transcript.whisperx[431].start |
12429.112 |
| transcript.whisperx[431].end |
12439.816 |
| transcript.whisperx[431].text |
三、處理中華民國113年度中央政府總預算凍結書面報告案2案。閱讀中華民國113年度中央政府總預算凍結書面報告案3案。閱讀中華民國113年度中央政府總預算凍結書面報告案3案。閱讀中華民國113年度中央政府總預算凍結書面報告案3案。閱讀中華民國113年度中央政府總預算凍結書面報告案3案。閱讀中華民國113年度中央政府總預算凍結書面報告案3案。 |
| transcript.whisperx[432].start |
12451.067 |
| transcript.whisperx[432].end |
12451.687 |
| transcript.whisperx[432].text |
總預算決議．有關審計．有關審計．有關審計．有關審計． |
| transcript.whisperx[433].start |
12475.777 |
| transcript.whisperx[433].end |
12485.219 |
| transcript.whisperx[433].text |
請你協助這個憲政把我們的憲政的財力的及時調降為第5級。主計總長這個態度是不是臨去的時候 |
| transcript.whisperx[434].start |
12487.35 |
| transcript.whisperx[434].end |
12511.779 |
| transcript.whisperx[434].text |
那個是我們有一個那個有一個那個所謂的一個分配啦我知道你一直說因為我們的財力好你應該很我知道你一直說我們財力好所以沒有辦法降級嘛因為我們是好學生有剩錢沒有辦法降所以你的意思是說所以你的意思是說我們必須要當壞學生嘛是不是當好學生有什麼用嘛那個是兩回事 |
| transcript.whisperx[435].start |
12513.6 |
| transcript.whisperx[435].end |
12521.983 |
| transcript.whisperx[435].text |
財力好政府努力的賺錢金門縣努力的賺金門縣民努力的喝高粱然後我們的財力不錯高粱是台灣人在喝根據我們那個金門酒廠這個買賣的這個從金門賣出去的最多 |
| transcript.whisperx[436].start |
12532.247 |
| transcript.whisperx[436].end |
12557.618 |
| transcript.whisperx[436].text |
阿金門賣出去都是台灣人去買的阿主要金門阿當然主要還是台灣人去買沒錯啦謝謝大家啦但是也是我們努力推銷嘛那請問你說中央對我們金門的補助款持續成長沒有虧待我們那請問您阿過去5年來107年到112年主計總處你有沒有扣過我們金門的補助款金門先生那個是因為我們有個公司那個是每個人都是一樣的就是說他是 |
| transcript.whisperx[437].start |
12558.078 |
| transcript.whisperx[437].end |
12567.329 |
| transcript.whisperx[437].text |
不是法定的社會福利支出我們有一定的一個公司被扣款的不是只有金門那其他的所以你的意思是說我們財力好隨機有勝沒錯第三集嘛這都沒錯嗎 |
| transcript.whisperx[438].start |
12574.657 |
| transcript.whisperx[438].end |
12575.977 |
| transcript.whisperx[438].text |
三、處理中華民國113年度中央政府總預算凍結書面報告案2案 |
| transcript.whisperx[439].start |
12600.373 |
| transcript.whisperx[439].end |
12628.311 |
| transcript.whisperx[439].text |
你扣我們的補助款我們因為原因是因為我們對金門縣民的福利做得比較好所以你們不鼓勵一個縣政府一個地方政府對金門福利對縣民的福利做好一點就像您剛才講的就是說因為我們比較財力比較好所以我們不能不能照顧我們的縣民你們說自認為說是建設有落後那我們希望說不要是通通是去花在一些社會福利也要做一些在建設上所以我們會有一些規定 |
| transcript.whisperx[440].start |
12628.911 |
| transcript.whisperx[440].end |
12647.872 |
| transcript.whisperx[440].text |
那所以我們如果說主席總長我想請教您主席長請教您行政主席總處主席長想請教您那所以如果我們把因為建設需要的錢比較多因為福利因為錢人比較少發一點點福利對照顧我們以前比較辛苦的長輩是我們的期待 |
| transcript.whisperx[441].start |
12650.515 |
| transcript.whisperx[441].end |
12668.222 |
| transcript.whisperx[441].text |
那如果我們把錢拿來做建設那因為我們的確沒到沒有那麼多錢那所以我們就來舉債的話我們來舉債沒有沒有沒有那個是如果我想請問你那個建設的話你們提出計畫來那個國發會會有一個所謂的國發會就沒有像你這樣子啊你幫我跟國發會多說一點沒關係我會跟那個現在國發會主任我不 |
| transcript.whisperx[442].start |
12675.985 |
| transcript.whisperx[442].end |
12701.756 |
| transcript.whisperx[442].text |
主委我不認識了以前的又去當你會跟他說現在還有一個月沒關係還有機會對喔我會跟好那我想請問你一個問題喔如果說舉債的話我們的財力就會變差嘛那變差到時候我們舉債度日我們的社會福利措施這樣會不會受到影響那個舉債的如果有舉債而且還去做社會福利措施那個是嚴格來講是不恰當的 |
| transcript.whisperx[443].start |
12703.117 |
| transcript.whisperx[443].end |
12730.039 |
| transcript.whisperx[443].text |
不恰當但是我們可不可以這樣做就是說如果我們舉債我們原來要發的社會福利我們繼續發那個是舉債去做經常人的支出那個是不恰當是違背預算法的你們會不會終止我們的社會福利支出如果我們開始舉債社會福利支出我們自己發的錢那個是你們縣政府的我們縣政府自己的錢去做社會福利可是是因為我們舉債要去做建設我的補助款就會減少主席長 |
| transcript.whisperx[444].start |
12732.561 |
| transcript.whisperx[444].end |
12733.622 |
| transcript.whisperx[444].text |
三、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[445].start |
12754.704 |
| transcript.whisperx[445].end |
12755.685 |
| transcript.whisperx[445].text |
兩、處理中華民國113年度中央政府總預算決議．有關審計．有關審計 |
| transcript.whisperx[446].start |
12772.017 |
| transcript.whisperx[446].end |
12774.299 |
| transcript.whisperx[446].text |
三、處理中華民國113年度中央政府總預算凍結書面報告案2案。netesa |
| transcript.whisperx[447].start |
12788.951 |
| transcript.whisperx[447].end |
12792.614 |
| transcript.whisperx[447].text |
主計長,你的標準不用改變,但是我們的財政狀況會改變嘛。你不用改變標準,反正就是有錢的就是三級啊往前啊,沒錢的就是五級啊往下啊。那我們現在的確就比較沒錢嘛。 |
| transcript.whisperx[448].start |
12818.212 |
| transcript.whisperx[448].end |
12835.665 |
| transcript.whisperx[448].text |
那個我們會考慮還有不是只有這個因為這個財政分局還是有考慮我再請問主計長齁那這個已經跟你講了已經剩下一個多月了你就淋漆秋波也幫一下金門嘛三級至少跟澎湖媽祖一樣喔我們一向只跟澎湖媽祖比欸也不然跟其他縣市比較啦 |
| transcript.whisperx[449].start |
12837.086 |
| transcript.whisperx[449].end |
12855.904 |
| transcript.whisperx[449].text |
同樣是比較,你考慮一下,環境都是一樣辛苦的我知道你們過去都是跟好的比啦,不要跟後面的比啦,對不對我們就跟我們同等級的學生比就好啦再請問了你們不是同學,你們是我們是比較優秀的就跟您一樣都是努力向上嘛,不會跟我比因為我在後段嘛,對不對 |
| transcript.whisperx[450].start |
12857.706 |
| transcript.whisperx[450].end |
12882.218 |
| transcript.whisperx[450].text |
總計長請問全國政委長聯誼會這個113年有一次聯誼座談會有一個提案他建議說我們現在跟直轄市比好了你看他現在縣市有一個提案建議縣市議會共同性費用編列基準要反映物價指數波動建立每三年的常態討論機制來這個那你們有沒有考慮這個在編列這個年度共同性 |
| transcript.whisperx[451].start |
12884.139 |
| transcript.whisperx[451].end |
12904.35 |
| transcript.whisperx[451].text |
有沒有考慮這個物價波動指數當然會有啊像最近我們會把一些參與會的提高當然會都有考慮這個是全國政務委員會所提出的議案而且我們在每年在做這個基準表的時候都會發文給地方政府甚至找地方政府來開會謝謝 |
| transcript.whisperx[452].start |
12905.911 |
| transcript.whisperx[452].end |
12928.309 |
| transcript.whisperx[452].text |
那在地方民意機關也是如此嗎那請問那在這個編列的過程中你們是不是比較重直轄市而清這個地方的限制沒有啦我們是縣市的補助比例緩然後那個上限比那個直轄市高那你們的編列標準你看一下為什麼比如說金門縣議會有提到在各項比賽上直轄市的議會編列基準市內每次6萬塊市外每次40萬縣市議會是縣內3萬塊縣外20萬就少一半啦 |
| transcript.whisperx[453].start |
12936.116 |
| transcript.whisperx[453].end |
12949.648 |
| transcript.whisperx[453].text |
經濟考察項目直轄市的議員每個人3萬縣市議員地方縣市的每個人1萬5啊這個標準就不一致啊你沒有比較重直轄市嗎你不能因為你住在臺北市你說這個標準跟直轄市縣市沒有關係是不是你確定嗎 |
| transcript.whisperx[454].start |
12957.975 |
| transcript.whisperx[454].end |
12959.276 |
| transcript.whisperx[454].text |
但是我認為並沒有說是因為 |
| transcript.whisperx[455].start |
12973.985 |
| transcript.whisperx[455].end |
12984.293 |
| transcript.whisperx[455].text |
所以沒有因為是直轄市編列比較多﹖因為是一般縣市編列比較少﹖所以是人口的關係是嗎﹖所以如果是地方縣市﹖所以如果一般的地方縣市﹖那他的人口跟直轄市是一樣的﹖他也會可以編列那麼多就對了是嗎﹖ |
| transcript.whisperx[456].start |
12999.684 |
| transcript.whisperx[456].end |
13023.649 |
| transcript.whisperx[456].text |
我覺得你講的是不正確因為這是我們地方議會、縣市議會、議長連會提供的訊息也絕對不是只有一個議長在裡頭那個是標準之一那所以差太多了那請你考慮我們在這個工工程委員會在離島的這個辦公廳設、員工宿舍修繕都有加計工程會有這個加計30%的這個那其他制度方面也要援引辦理因為比如說經濟考察離島要到 |
| transcript.whisperx[457].start |
13026.491 |
| transcript.whisperx[457].end |
13034.428 |
| transcript.whisperx[457].text |
按照這個臺灣來這邊做經驗考察、坐飛機各項費用事實上都超過很多比你們只做bus差很多這個部分請你們也要幫我們檢討好嗎 |
| transcript.whisperx[458].start |
13038.637 |
| transcript.whisperx[458].end |
13056.382 |
| transcript.whisperx[458].text |
舉例舉例相關的相關的一樣就是我要講的是直轄市跟縣市的這個標準你要公平一點那個我們都很公平如果說金門縣政府有意見可以提出來我們在那個會的時候來討論所以金門縣會有意見都可以提過來都可以提過來謝謝謝謝我們陳玉珍委員接下來請我們羅明財羅委員 |
| transcript.whisperx[459].start |
13075.526 |
| transcript.whisperx[459].end |
13081.61 |
| transcript.whisperx[459].text |
主席各位主席各位請主席長我們請主席長主席長你好主席我們看到 |
| transcript.whisperx[460].start |
13091.317 |
| transcript.whisperx[460].end |
13117.072 |
| transcript.whisperx[460].text |
所有的物價萬物齊漲沒有啦現在像電視機就跌到大概7、8%沒有啦這個我們調查有三分之一是下跌電視機不會天天買啊沒有沒有萬物齊漲我家的那個電視機一買快十年了也不會壞那個你是買好的不一樣是買好的沒錯啊可是除了電視機之外 |
| transcript.whisperx[461].start |
13118.052 |
| transcript.whisperx[461].end |
13132.929 |
| transcript.whisperx[461].text |
民生大家常常要吃雞腿便當要吃排骨便當民生用品各方面都一直在漲對那個我跟委員報告一下3月份的話跟2月份比較物價下跌的有132上漲的有191項 |
| transcript.whisperx[462].start |
13138.297 |
| transcript.whisperx[462].end |
13157.827 |
| transcript.whisperx[462].text |
對,你都講少部分下跌的沒有,沒有,一百三十二項的下跌很多啦跟三月跟二月比較你就是電視機嘛還有什麼洗衣機還有啊電冰箱問題那個電冰箱、洗衣機每一台可能都用十幾年、二十年啊不是,處理長因為 |
| transcript.whisperx[463].start |
13162.873 |
| transcript.whisperx[463].end |
13189.455 |
| transcript.whisperx[463].text |
要感受到的就是人民心中的痛對啊,民眾擺第一,國家要至上所以我也很感佩你這幾年來立法院這個字你都背下來了民眾內心的痛苦依然沒有解決我每次都講什麼荷包蛋、茶葉蛋今天就不講那個了 |
| transcript.whisperx[464].start |
13191.021 |
| transcript.whisperx[464].end |
13204.883 |
| transcript.whisperx[464].text |
今天講什麼你要知道茶葉蛋的價格我跟你們報告一下我上次講過了不要再講了對那個全家萊豪富OK茶葉蛋一顆都13塊7-1110塊不過手掌的蛋是18塊對阿那個雞蛋的話散磚的一台金大概30幾塊阿那個盒磚的話不是不是啦對不起散磚的是大概50幾塊盒磚的話大概70塊左右 |
| transcript.whisperx[465].start |
13220.492 |
| transcript.whisperx[465].end |
13237.092 |
| transcript.whisperx[465].text |
主席長你上次的錄音帶掉出來我都歷歷在目所以這個部分今天就不談了今天要談的就是說去年啊稅收又超徵了好幾千億本席一直主張還稅漁民啊現在你要離開了嗎 |
| transcript.whisperx[466].start |
13241.775 |
| transcript.whisperx[466].end |
13269.633 |
| transcript.whisperx[466].text |
我希望我離開因為蔡總統給我派令是到5月19號那新的賴總統有沒有找你談過那個是就是說報紙上都說誰要來接可是從來沒有發布所以讓我好像很尷尬說我要走了我要走了對不對所以你也不能講說你要走可是如果你真的走的話 |
| transcript.whisperx[467].start |
13270.802 |
| transcript.whisperx[467].end |
13289.798 |
| transcript.whisperx[467].text |
我不會走了,我只是站在這裡而已,不會走了。你真的走了,離開這個位置,那你心裡應該想一下你過去的種種嘛,那其實你一直很期待一個最重要的就是像我們來自,我來自 |
| transcript.whisperx[468].start |
13293.221 |
| transcript.whisperx[468].end |
13320.823 |
| transcript.whisperx[468].text |
新北那你統籌分配稅款給我們的該給的都沒給統籌分配稅款是有一定的公式的你可以問你們的財政問新北的財政局長跟那個主計處長他們都知道那個公式而且他們以前就是主管這個的沒有以前主計長大了不得了因為主計長他未有 |
| transcript.whisperx[469].start |
13322.27 |
| transcript.whisperx[469].end |
13324.111 |
| transcript.whisperx[469].text |
主計長這事都要依法的,沒有不能夠任意的。 |
| transcript.whisperx[470].start |
13337.495 |
| transcript.whisperx[470].end |
13354.11 |
| transcript.whisperx[470].text |
依法你手上可以由你自己來決定的權限我從來沒有說決定是因為是要看部會提出來的需求依法從你的這個身上你可以下判斷做決定的大概可以允諾的預算有多少 |
| transcript.whisperx[471].start |
13355.511 |
| transcript.whisperx[471].end |
13381.486 |
| transcript.whisperx[471].text |
這都是我們的預算都是各部會提需求我們去給它排列順序並不是說由我來決定第二預備金有多少?74億過去真的要動用預備金的時候第一個都一定會問主計長那可不可以用?那個有一定的條件要緊急透出情況人災人禍、地震等等重大的災難要符合條件可是 |
| transcript.whisperx[472].start |
13383.925 |
| transcript.whisperx[472].end |
13392.641 |
| transcript.whisperx[472].text |
可是行政機關最重要的還是問那主計長有沒有錢可不可以用還是會尊重你的意見 |
| transcript.whisperx[473].start |
13394.849 |
| transcript.whisperx[473].end |
13414.635 |
| transcript.whisperx[473].text |
當然啦,我應該提供我的專業的意見,說它是不是適合第二預備金的動用的條件。所以主委長我要請教你的一個問題,就是臺北縣升格成為新北市,如果比照臺北市的話,那中央欠新北市欠了多少錢? |
| transcript.whisperx[474].start |
13415.675 |
| transcript.whisperx[474].end |
13432.207 |
| transcript.whisperx[474].text |
我那個是不能夠是這樣比因為像台北市它有很多那個是什麼勢力的高中高高職那新北市是雖然有可是他是比較少而且那個原來的那個在比較的時候像統籌分配款的話 |
| transcript.whisperx[475].start |
13434.529 |
| transcript.whisperx[475].end |
13436.17 |
| transcript.whisperx[475].text |
二、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[476].start |
13456.351 |
| transcript.whisperx[476].end |
13481.021 |
| transcript.whisperx[476].text |
新北的這個部分假設十幾年前就是同等直轄市的地位的話累積起來的話應該再補助給新北市多少的預算那個是不能這麼說我們都是依法依標準是自由給的一方面他要看他所謂的對那個財力的貢獻一方面要考慮他的需求 |
| transcript.whisperx[477].start |
13486.483 |
| transcript.whisperx[477].end |
13493.947 |
| transcript.whisperx[477].text |
處長來回答麻煩處長因為我覺得處長每次的數字都比較精準一點不會啦我請那個處長好那請處長回答 |
| transcript.whisperx[478].start |
13499.659 |
| transcript.whisperx[478].end |
13527.433 |
| transcript.whisperx[478].text |
我們以113年度為例我們這個中央的統籌分配稅款和一般性補助款我們是編入了570億如果說是和5百多億沒有全部是多少如果和96年度來比的話是增加了489億元有增加嘛那去年的總數是多少統籌分配稅款幾千億有沒有幾千億四千多億啦 |
| transcript.whisperx[479].start |
13528.393 |
| transcript.whisperx[479].end |
13544.686 |
| transcript.whisperx[479].text |
哇,那還是薑是老的啦,那個處長請回好了啦。你看,講到重點的時候,主計長都會跳出來,其實主計長數字觀念很多,但是有時候,很多事情講重點的你都不談。 |
| transcript.whisperx[480].start |
13546.514 |
| transcript.whisperx[480].end |
13574.026 |
| transcript.whisperx[480].text |
這樣子啦下一次的你這個位置你覺得應該具備什麼樣的條件才是比你好的主計長他比我好外面報紙寫的那個比我好因為他是跟鄭苗紅的主計人我只做8年他是做了快40年跟鄭苗紅這是政治判斷正確嗎 |
| transcript.whisperx[481].start |
13576.068 |
| transcript.whisperx[481].end |
13576.408 |
| transcript.whisperx[481].text |
這樣子啦,處理長反正你 |
| transcript.whisperx[482].start |
13603.832 |
| transcript.whisperx[482].end |
13627.325 |
| transcript.whisperx[482].text |
大家也都會祝福你,不管怎麼樣,常常在這邊碰面你也算是一個和藹可親的人可是你離開這個位置以後,你也是更加海闊天空有沒有人已經開始來徵詢你,或者是找你你都不替我介紹我哪裡有的人那你想要去哪裡啊?你替我介紹我有地方就去 |
| transcript.whisperx[483].start |
13629.687 |
| transcript.whisperx[483].end |
13639.761 |
| transcript.whisperx[483].text |
去賣茶葉蛋不要啦我老了挑不凍茶葉蛋了我是希望主計長你可以用你的所學所能 |
| transcript.whisperx[484].start |
13640.407 |
| transcript.whisperx[484].end |
13665.14 |
| transcript.whisperx[484].text |
多多到民營間去看一看不要啦把你寶貴的經驗分享給下一個接棒的人國防部長說他退休以後是路人甲那我是路人椅在路上碰到路人椅會跟路人甲打招呼因為你平常可能很多的時間都在辦公室吹冷氣我們希望 |
| transcript.whisperx[485].start |
13666.496 |
| transcript.whisperx[485].end |
13688.521 |
| transcript.whisperx[485].text |
有時間有機會比較空閒的時候你可以深入民間的基層多多到萬華龍山市去走一走看一看到每一個市場去走一走看一看還有在哪裡啊在南京東路台大醫院前面 |
| transcript.whisperx[486].start |
13689.369 |
| transcript.whisperx[486].end |
13716.276 |
| transcript.whisperx[486].text |
你去看看有時候你會看到很多琉璃失所的街友很多人在那邊賣口香糖賣玉蘭花希望主計長能把這些真正詳實的社會的情況分享給你的同仁或者建議給未來的主計長讓他了解人民是苦哈哈的 |
| transcript.whisperx[487].start |
13717.662 |
| transcript.whisperx[487].end |
13736.909 |
| transcript.whisperx[487].text |
政府有錢是應該要把錢拿出來還稅於民來照顧所有的窮苦的老百姓跟委員報告一下我們的總預算裡面有百分之二十五、五、六都是花在社會福利上好謝謝因為...謝謝我們羅民財委員謝謝接下來我們請鄭天才委員 |
| transcript.whisperx[488].start |
13747.109 |
| transcript.whisperx[488].end |
13751.613 |
| transcript.whisperx[488].text |
主席、各位委員,有請主計長。我們請主計長。主計長辛苦了。不會啦,委員才辛苦,要上山下海。對,完全正確。還是要先跟主計長謝謝。這個我們看113年,嚴明會所這個原住民族綜合發展基金 |
| transcript.whisperx[489].start |
13775.954 |
| transcript.whisperx[489].end |
13784.781 |
| transcript.whisperx[489].text |
這裏面這個收入裏面了辦理原住民保留地進發補償計劃經費供庫撥補收入這個21億百萬千萬億21億這個非常謝謝但是我還是這個基金基金預算處的處長還有供預算處的處長也請上來 |
| transcript.whisperx[490].start |
13805.357 |
| transcript.whisperx[490].end |
13805.777 |
| transcript.whisperx[490].text |
主席主席 |
| transcript.whisperx[491].start |
13820.209 |
| transcript.whisperx[491].end |
13837.988 |
| transcript.whisperx[491].text |
基金是說擺在那邊可以循環使用公庫是每年這個撥一次如果說如果不要原住民發展基金的話那個是怎麼樣那個基金就不能夠重複使用 |
| transcript.whisperx[492].start |
13838.588 |
| transcript.whisperx[492].end |
13839.028 |
| transcript.whisperx[492].text |
主席主席長 |
| transcript.whisperx[493].start |
13862.728 |
| transcript.whisperx[493].end |
13891.628 |
| transcript.whisperx[493].text |
你們公務員我也是30年公務員我們還是要依法行政我們看預算法第4條第一項第二款我已經跟主計長講過很多次這個條文了對8年前就跟你講過了第一次讓這個處長上來看一下預算法第4條第一項第二款凡經付出人可收回而非用於營業者為作業基金 |
| transcript.whisperx[494].start |
13894.133 |
| transcript.whisperx[494].end |
13922.703 |
| transcript.whisperx[494].text |
顏住民族中華發展基金收支保管及應用辦法第三條本基金為預算法第四條第一項第二款所定的特種基金所以顏民會的中華發展基金的預算書裏面也提到本基金預算法第四條第二項第二款第四目所定凡付出仍可收回建法補償啊 |
| transcript.whisperx[495].start |
13924.594 |
| transcript.whisperx[495].end |
13925.796 |
| transcript.whisperx[495].text |
憲政委員會主席 |
| transcript.whisperx[496].start |
13942.493 |
| transcript.whisperx[496].end |
13958.382 |
| transcript.whisperx[496].text |
這個部分有這樣的一個不同的法律跟那個委員報告一下我們這種基金就是希望他能夠運用能夠回收的所以我們也希望原民會能夠善於運用能夠收回 |
| transcript.whisperx[497].start |
13959.983 |
| transcript.whisperx[497].end |
13976.056 |
| transcript.whisperx[497].text |
三、處理中華民國113年度中央政府總預算凍結書面報告案2、處理中華民國113年度中央政府總預算凍結書面報告案3、處理中華民國113年度中央政府總預算凍結書面報告案4、處理中華民國113年度中央政府總預算凍結書面報告案5、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案7、處理中華民國113年度中央政府總預算凍結書面報告案8、處理中華民國113年度中央政府總預算凍結書面報告案9、處理中華民國 |
| transcript.whisperx[498].start |
13977.057 |
| transcript.whisperx[498].end |
13981.301 |
| transcript.whisperx[498].text |
一、處理中華民國11年度中央政府總預算決議．有關審計一、處理中華民國11年度中央政府總預算決議．有關審計 |
| transcript.whisperx[499].start |
14003.588 |
| transcript.whisperx[499].end |
14024.067 |
| transcript.whisperx[499].text |
午夜新的內閣就要籌編了520之後開始要籌編明年的預算所以必須要依法行政這個是我們公務人員最基本的所以這個部分怎麼去何況反正公務預算也都不像過去不像過去過去都是 |
| transcript.whisperx[500].start |
14028.939 |
| transcript.whisperx[500].end |
14030.04 |
| transcript.whisperx[500].text |
兩位處長誰可以說明這個未來基金基金的處長 |
| transcript.whisperx[501].start |
14056.781 |
| transcript.whisperx[501].end |
14081.907 |
| transcript.whisperx[501].text |
是不是可以協調人民會未來就是從公務預算就好啦好主計長時間到了這個還是要祝福你啦謝謝雖然其實還沒有正式報直接只是報派而已啦對報派而已嘛所以對啊所以你碰到事情就問他們兩個就不問我啦有可能還是你啊謝謝好我們謝謝鄭天才委員接下來我們請楊瓊英楊委員 |
| transcript.whisperx[502].start |
14097.392 |
| transcript.whisperx[502].end |
14099.033 |
| transcript.whisperx[502].text |
金管會黃主委八年來我們的股市翻倍成長 |
| transcript.whisperx[503].start |
14118.522 |
| transcript.whisperx[503].end |
14138.1 |
| transcript.whisperx[503].text |
2020年實施的零股交易就能夠讓國民妥善的理財小資族也可以共同參與去共同投資據證交所所提供給本席的數字顯示在去年零股交易的人數有320萬人 |
| transcript.whisperx[504].start |
14140.302 |
| transcript.whisperx[504].end |
14142.905 |
| transcript.whisperx[504].text |
一、處理中華民國113年度中央政府總預算凍結書面報告案1案 |
| transcript.whisperx[505].start |
14168.07 |
| transcript.whisperx[505].end |
14183.1 |
| transcript.whisperx[505].text |
金管會3月18日財政委員會提出的專報針對於精進盤中零股交易制度你也承諾在今年年底會把盤中零股交易錯的時間由一分鐘 |
| transcript.whisperx[506].start |
14184.454 |
| transcript.whisperx[506].end |
14187.174 |
| transcript.whisperx[506].text |
一、處理中華民國113年度中央政府總預算決議．有關審計一、處理中華民國113年度中央政府總預算決議． |
| transcript.whisperx[507].start |
14215.316 |
| transcript.whisperx[507].end |
14230.708 |
| transcript.whisperx[507].text |
議員議員議員議員議員議員 |
| transcript.whisperx[508].start |
14230.868 |
| transcript.whisperx[508].end |
14257.481 |
| transcript.whisperx[508].text |
所以本席也特別看在新聞稿當中你們滿意零股交易有助於提供重點在這裡年輕人及小資族的多元參與資本市場的一個管道又讓他們不會比別人買的貴時間又能夠更加的迅速在這樣的情況之下 |
| transcript.whisperx[509].start |
14258.661 |
| transcript.whisperx[509].end |
14276.457 |
| transcript.whisperx[509].text |
你覺得對於我們年輕人的幫助12月2號是不是可以如期的來上是這個去年就規劃了那主要是因為券商跟交易所這邊系統要調整所以才會需要到年底12月12月初是 |
| transcript.whisperx[510].start |
14277.625 |
| transcript.whisperx[510].end |
14297.574 |
| transcript.whisperx[510].text |
那這個當然因為我自己知道我有接到學校與開過座談會那有些做零股的年輕人覺得說為什麼我做零股的交易條件跟整張不一樣他覺得有點有點被差別待遇了對啊所以我們當然因為零股他要1分鐘他5秒鐘他他要比別人買的貴 |
| transcript.whisperx[511].start |
14298.294 |
| transcript.whisperx[511].end |
14319.229 |
| transcript.whisperx[511].text |
我們去年年底就已經把那個那個那個訊息的揭露時間也也縮短了那現在就進一步把把交交交易的這個交割交易的這個時間也也交割的時間也盡量縮短目的就是降低之間的差別公平性嗎?對對沒錯然後也協助年輕人嗎?對小資族大概都年輕人齁所以換句話說我們還是一個結論這個議題12月2號還是會如期的來上路 |
| transcript.whisperx[512].start |
14326.021 |
| transcript.whisperx[512].end |
14337.44 |
| transcript.whisperx[512].text |
會當然我想這邊交易所的先進都在這邊如果我們能夠提前就盡量提前那你要不要幫他們喊話一下我就等著你這一句話他們都有在做啦那我想就應該會提前吧 |
| transcript.whisperx[513].start |
14338.379 |
| transcript.whisperx[513].end |
14359.892 |
| transcript.whisperx[513].text |
我想我們內部再討論一下有沒有可能提前好不好同意提前的請舉手報告委員這個不是要喊話啦這個還是要改系統啦我們盡量努力因為有時間嘛對不對好所以主委在這邊我們主要是一個公平性的一個共同參與也協助年輕人我也希望金管會來作為這些領股的靠山嘛那當然我們這個交易所在這邊其實也是幫助大家 |
| transcript.whisperx[514].start |
14366.856 |
| transcript.whisperx[514].end |
14381.286 |
| transcript.whisperx[514].text |
這個可以說是三全其美接下來本期要跟你討論的就是人頭戶外籍嫌疑犯嫌犯那這個人數逐漸的在成長我們看到2019年查獲的98人去年竟然703人 |
| transcript.whisperx[515].start |
14383.047 |
| transcript.whisperx[515].end |
14407.335 |
| transcript.whisperx[515].text |
那移工涉犯詐欺案也一直在上升前年我們就查獲了569件在這樣的情況之下去年又暴增了一倍1000多件雜熱數字我們是很難過的那在這樣的情況之下我們又看到黑數太多了依照勞動部的資料去年移工突破了75萬3千人有預期的是8萬6千人失聯 |
| transcript.whisperx[516].start |
14412.117 |
| transcript.whisperx[516].end |
14433.447 |
| transcript.whisperx[516].text |
這一些人找不到8萬6千人所以在這個人頭供應大戶請教主委依據警方的研判有人力中介公司呢瞄準了移工來收部賣給這個詐騙集團來賺錢那麼我們金管會你要如何的將移工的人頭戶攀升的這個問題要怎麼應對我很緊張欸 |
| transcript.whisperx[517].start |
14436.288 |
| transcript.whisperx[517].end |
14466.288 |
| transcript.whisperx[517].text |
議員議員議員 |
| transcript.whisperx[518].start |
14467.149 |
| transcript.whisperx[518].end |
14493.272 |
| transcript.whisperx[518].text |
所以主委一個結論我們看到這個數字其實他說失聯了8萬6千人這是險性隱性還不知道所以在這樣子的情況之下如果隱性加上去那更恐怖所以我們還是要自己有方案應對我心裡去研擬怎麼樣不要讓這些的黑戶就直接成為人頭賬戶那這個是讓我們民眾會苦不堪言 |
| transcript.whisperx[519].start |
14493.792 |
| transcript.whisperx[519].end |
14508.505 |
| transcript.whisperx[519].text |
好不好你把研你的方案研討有一個有一個初步方案我把我們現在對於您關切這個移工的部分如何防止他成為人頭帳戶我們做的做法您可能採取的措施我們您一個報告給您可以嗎 |
| transcript.whisperx[520].start |
14508.945 |
| transcript.whisperx[520].end |
14512.246 |
| transcript.whisperx[520].text |
接下來我們請鄭正前委員鄭正前委員鄭正前委員鄭正前委員不在接下來請曾嘉賓委員 |
| transcript.whisperx[521].start |
14541.215 |
| transcript.whisperx[521].end |
14556.102 |
| transcript.whisperx[521].text |
主席、財黨委員先進、政府機關首長官員、會長公共夥伴、媒體記者女士先生有請主計總處朱主計長還有我們金管會的黃竹偉以及政企局的張局長和財政部處參司的張副司長有請委員長 |
| transcript.whisperx[522].start |
14560.7 |
| transcript.whisperx[522].end |
14584.389 |
| transcript.whisperx[522].text |
主席長好、主委好、局長好、副市長好來我首先請教一下張局長那麼我們看到今天雖然是在統投信固法和不動產證券化條例但是我們關心的當然也包括主席總書的預算解凍我們關心的是說現在民間的投資情況怎麼樣譬如說有兩款新款的ETF聯手募資超過2000億局長你覺得這個好事嗎 |
| transcript.whisperx[523].start |
14588.23 |
| transcript.whisperx[523].end |
14591.534 |
| transcript.whisperx[523].text |
一、處理中華民國113年度中央政府總預算凍結書面報告案2案。breviation |
| transcript.whisperx[524].start |
14597.646 |
| transcript.whisperx[524].end |
14617.95 |
| transcript.whisperx[524].text |
當然當然所以就這個角度來講其實證券化在證券市場上是一個鼓勵我們國人在證券市場裡面透過共同投資共同分享利益這是一個我們證券市場存在的目的嘛是不是是的好那請問主計長你認為目前有這麼多錢參與是不是表示台灣我們的鈔額持續儲蓄或民間的資金向上充沛 |
| transcript.whisperx[525].start |
14619.256 |
| transcript.whisperx[525].end |
14638.308 |
| transcript.whisperx[525].text |
是的那我們是不是要幫他找個一個出口最好有好那接下來我要請到黃主委其實今天我們要討論的投信固法或不動產證券化條例就是我們有一個想法就希望把公共設施不動產證券化的收銀的全民共享簡單講過去我們的公共設施比如說台智光的光纜我們發報給財團 |
| transcript.whisperx[526].start |
14640.589 |
| transcript.whisperx[526].end |
14640.729 |
| transcript.whisperx[526].text |
議員主席 |
| transcript.whisperx[527].start |
14658.755 |
| transcript.whisperx[527].end |
14677.05 |
| transcript.whisperx[527].text |
我一直都是支持很好所以我們來看一下它背後的運作原理以前我們只有把類似像商辦想到說商辦證券化之後它就可以有收益但現在我們把這個公共設施也納入了不動產證券化之後呢它的收益就是來自於大眾的使用跟消費是不是這樣 |
| transcript.whisperx[528].start |
14678.138 |
| transcript.whisperx[528].end |
14697.036 |
| transcript.whisperx[528].text |
是的好那往下看那我們來看一下其實當我們將公共設施做為不動產證券化之後有一個四大互助的情況年輕人有工作收入有主動收入他有消費能力但他沒有什麼資產但是呢透過他使用的公共設施包括捷運包括高鐵包括這些假的這些公共設施是變成不動產 |
| transcript.whisperx[529].start |
14697.737 |
| transcript.whisperx[529].end |
14697.997 |
| transcript.whisperx[529].text |
案2案3案4案5案6 |
| transcript.whisperx[530].start |
14715.04 |
| transcript.whisperx[530].end |
14730.262 |
| transcript.whisperx[530].text |
是委員分析非常清楚好謝謝那我們來看一下先到一個案子叫台智光很多人都搞不清楚台智光在台北是發生了什麼事情他其實某個稱號有人說是BOT其實有人說是PPP其實呢我們如果以同樣的其他地方六都來看 |
| transcript.whisperx[531].start |
14730.783 |
| transcript.whisperx[531].end |
14744.131 |
| transcript.whisperx[531].text |
以台南市的規模和它提供的傳輸速度以它自建它的費率大概700到800我們來換算成台治光案如果台北市的台治光案用台南的費率800來算的話它大概每年可以收費收入大概1.52億 |
| transcript.whisperx[532].start |
14746.452 |
| transcript.whisperx[532].end |
14747.393 |
| transcript.whisperx[532].text |
二、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[533].start |
14766.155 |
| transcript.whisperx[533].end |
14767.516 |
| transcript.whisperx[533].text |
二、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[534].start |
14786.169 |
| transcript.whisperx[534].end |
14810.717 |
| transcript.whisperx[534].text |
我想大家都會跟定存去比啦那如果比定存高當然都會有一些吸引力啦很好就是比定存高的可能投資大眾就會有興趣往下看所以不動產證券化可以避免利益輸送給特定人士透過不動產公共生產不動產證券化創造收益它不進財團口袋它能夠讓全民構想所以呢這個就是我們推動不動產證券化還有包括公共生產證券化的一個情況好往下看 |
| transcript.whisperx[535].start |
14811.317 |
| transcript.whisperx[535].end |
14838.187 |
| transcript.whisperx[535].text |
那如果未來不動產證券化是不是能夠解決類似像被社會懷疑的臺之光這種圖利財產那種弊案有沒有可能解決?那我剛剛的說法就是說我認為未來政府他所需要的公共設施用PPB的方式如果能夠再加上公共設施的不動產證券化的話那就可以將我們民眾的消費所產生的利益回饋到投資的民眾的身上繼續看 |
| transcript.whisperx[536].start |
14839.298 |
| transcript.whisperx[536].end |
14863.56 |
| transcript.whisperx[536].text |
那我們來看一下我們的投信固法當中19條之3這是院版的部分不得投資於住宅法第3條第一款所定之住宅而且要在相關權利要在取得建造之後才能夠動用那住宅法第3條你提說必須具備門牌的合法監護我的問題在這裡了請問取得建造後能動用該資金的款項該資金的款項能否用為償還土地融資目前的法條有沒有規定 |
| transcript.whisperx[537].start |
14865.151 |
| transcript.whisperx[537].end |
14886.903 |
| transcript.whisperx[537].text |
這個我現在沒辦法,也許委員可以指導我,對好,那另外下一題齁那如果說我們以這個此案,主席再一點時間齁如果這個此案,我們以這個案子來講齁有的一個開發案呢,它一二樓的店面可以公共使用三到四樓是住宅,一二樓可以租住,可以收益用此案來講,不動產投資信託基金可不可以投資或運用在一二樓的店面,有沒有規範 |
| transcript.whisperx[538].start |
14887.583 |
| transcript.whisperx[538].end |
14888.884 |
| transcript.whisperx[538].text |
規範是單獨投資於A棟或B棟或飯店,目前的法律有沒有規範? |
| transcript.whisperx[539].start |
14915.909 |
| transcript.whisperx[539].end |
14917.83 |
| transcript.whisperx[539].text |
目前的法條有沒有規定?目前是沒有啦 |
| transcript.whisperx[540].start |
14936.016 |
| transcript.whisperx[540].end |
14950.302 |
| transcript.whisperx[540].text |
所以今天我們要審這個條文我希望現在主席的通融請今晚會在這個法條研議將不動產投資信託資不動產信託基金投資或運用於住商混合大樓這樣的規範3個月內提出書面報告可以嗎 |
| transcript.whisperx[541].start |
14953.308 |
| transcript.whisperx[541].end |
14980.445 |
| transcript.whisperx[541].text |
好,我們努力,我們去處理好,謝謝,謝謝主委,謝謝主計長,謝謝局長,謝謝我們副市長謝謝,謝謝我們中江比委員,謝謝接下來我們請謝一鋒委員,謝一鋒委員,謝一鋒委員,不在下一位張家駿委員,張家駿委員,張家駿委員,不在下一位林柱英委員,林柱英委員,林柱英委員,不在下一位黃國昌委員,黃國昌委員,黃國昌委員,不在好好好,沒有看到你,不好意思 |
| transcript.whisperx[542].start |
14991.597 |
| transcript.whisperx[542].end |
15010.903 |
| transcript.whisperx[542].text |
來,現在主席了,我們來有請審計長。請審計長。欸,審計長已經回去了嗎?審計長回去了。他走了?對對對。我們。啊?走了?對對對。那今天審計部有人在嗎?全部都走了?早上報告案結束之後,他們就先離開了。什麼會有這種事? |
| transcript.whisperx[543].start |
15023.264 |
| transcript.whisperx[543].end |
15035.612 |
| transcript.whisperx[543].text |
所以所有審計部的人都走了現場還有審計部的嗎那沒有審計部那黃委員要繼續持續下去嗎我今天請主席排成審計部的人 |
| transcript.whisperx[544].start |
15051.092 |
| transcript.whisperx[544].end |
15052.093 |
| transcript.whisperx[544].text |
今天登記發言的委員呢? |
| transcript.whisperx[545].start |
15074.505 |
| transcript.whisperx[545].end |
15096.957 |
| transcript.whisperx[545].text |
都已經詢答完畢現在審查中華民國113年度中央政府總預算行政院主計總處．管預算解凍案書面報告3案請問各位委員有無異議沒有異議,好,通過審查完畢主席通知提報院會接下來來處理臨時提案共議案,我們請議事人員宣讀有鑒於近年來融資租賃業者業務大幅擴張 |
| transcript.whisperx[546].start |
15105.071 |
| transcript.whisperx[546].end |
15127.788 |
| transcript.whisperx[546].text |
融資租賃業者客戶眾多且融資租賃業所提供之服務已有金融服務之處刑以致融資租賃業者間有成為我國最大影子銀行之趨勢為確保融資租賃業者之業務不致影響我國金融秩序穩定且為確保融資租賃業者客戶之權益可得妥善保障 |
| transcript.whisperx[547].start |
15128.368 |
| transcript.whisperx[547].end |
15147.027 |
| transcript.whisperx[547].text |
原提案要求金管會因爲一個月內擬拒融資租賃業專法並就專法擬拒經過致本院財政委員會進行專題報告提案人黃珊珊、王世堅、王宏威宣讀完畢那請問金管會有沒有意見來請說明一下 |
| transcript.whisperx[548].start |
15154.758 |
| transcript.whisperx[548].end |
15174.514 |
| transcript.whisperx[548].text |
8號主席那昨天有跟委員請示過是不是可以修改幾個字就是在最後第二行開始要求金管會應於一個月內然後你去拿掉一個月內就是否制定融資公司融資租賃業專法然後 |
| transcript.whisperx[549].start |
15178.647 |
| transcript.whisperx[549].end |
15188.059 |
| transcript.whisperx[549].text |
刪掉逗號並就專法這五個字拟據書面報告以上請問一下提案委員有沒有意見 |
| transcript.whisperx[550].start |
15190.984 |
| transcript.whisperx[550].end |
15192.205 |
| transcript.whisperx[550].text |
法定人數不足 |
| transcript.whisperx[551].start |
15212.8 |
| transcript.whisperx[551].end |
15227.852 |
| transcript.whisperx[551].text |
記者會他們也提了民間的版本所以我們也希望說他一個月內雖然是提書面報告還是要朝向由行政部門提出專法的方向來做研擬好那我們請金管會參照我們提案委員的意見來請王世堅王委員 |
| transcript.whisperx[552].start |
15232.13 |
| transcript.whisperx[552].end |
15259.22 |
| transcript.whisperx[552].text |
那個經過會其實我跟黃勝山委員我們提這樣子的臨時提案其實都已經為時已晚了這些租賃業者尤其這三大租賃怪獸那他們金額之龐大對我們社會影響之深入對青年朋友的強害之大 |
| transcript.whisperx[553].start |
15260.826 |
| transcript.whisperx[553].end |
15278.851 |
| transcript.whisperx[553].text |
這個我認為現在都已經對他們快收斂不住了所以照說啊照說這個租賃專業法早就應該要通過啦所以你現在跟我們修訂說就是否制定融資租賃業專法 |
| transcript.whisperx[554].start |
15282.657 |
| transcript.whisperx[554].end |
15308.309 |
| transcript.whisperx[554].text |
你只是答應答覆我們說要不要該不該制定我認為沒有不該的啦所以是不是既然你只針對要不要我認為就是要所以是不是改成就應制定融資租賃專業法你去書面報告好不好沒有否的啦 |
| transcript.whisperx[555].start |
15309.517 |
| transcript.whisperx[555].end |
15337.402 |
| transcript.whisperx[555].text |
沒有應不應了啦就是應該但是這麼短時間內要你針對融資專業這個來提出一些專法的話可能時序上有困難時間上太短但是應該我們的結論就是應該要立就對好不好主席這是我的建議那經國會是不是要再做個說明請主委來做個說明 |
| transcript.whisperx[556].start |
15342.457 |
| transcript.whisperx[556].end |
15355.282 |
| transcript.whisperx[556].text |
非常感謝黃委員的指導,因為黃委員剛才也提過因為我現在的位階比較尷尬啦所以我這邊如果照您垂詢的父親加一個肯定句的話因為我指導520 |
| transcript.whisperx[557].start |
15357.623 |
| transcript.whisperx[557].end |
15358.924 |
| transcript.whisperx[557].text |
規定中華民國113年度中央政府總預算規定 |
| transcript.whisperx[558].start |
15377.984 |
| transcript.whisperx[558].end |
15395.339 |
| transcript.whisperx[558].text |
主席這樣我做一個簡單的修正因為剛剛王世堅本人還有金管會的意見我們就都不要講是否或因了就制定仁資諸利業專法提出書面報告也就是說沒有因或不因或否或沒有但是 |
| transcript.whisperx[559].start |
15395.959 |
| transcript.whisperx[559].end |
15416.334 |
| transcript.whisperx[559].text |
因為民間團體我要講強調的是本院委員已經都寫好我已經寫好了下禮拜就會送院那第二個民間團體的版本也出來也有很多委員會參考我們也希望說你就本院的委員所提然後民間團體所提其實你們一定可以是找朝出方向就剛剛其實很多委員質詢的都一樣嘛 |
| transcript.whisperx[560].start |
15417.194 |
| transcript.whisperx[560].end |
15423.439 |
| transcript.whisperx[560].text |
三、處理中華民國113年度中央政府總預算凍結書面報告案2、處理中華民國113年度中央政府總預算凍結書面報告 |
| transcript.whisperx[561].start |
15447.578 |
| transcript.whisperx[561].end |
15468.368 |
| transcript.whisperx[561].text |
那我再把這個最後修正文字我再說明一次就是提案要求金管會因於一個月內就制定融資租賃業專法提出書面報告這樣子可以嗎好那我們就按這個照協商結論修正通過 |
| transcript.whisperx[562].start |
15472.563 |
| transcript.whisperx[562].end |
15492.435 |
| transcript.whisperx[562].text |
本次會議做如下決議一、報告說明及詢答完畢二、委員質詢未及答覆或請補充資訊請相關部會於一週內以書面答覆委員另要求期限者從其鎖定三、委員嚴寬恆、林楚英所提書面質詢列入記錄、刊登公報並請相關部會以書面答覆 |
| transcript.whisperx[563].start |
15495.016 |
| transcript.whisperx[563].end |
15514.43 |
| transcript.whisperx[563].text |
四、針對中華民國113年度中央政府總預算凍結案處理情形：行政院主計總處預算解凍案18案第二預備金預算解凍案1案及審計部預算解凍案11案均處理完均準與動之提報院會請問各位委員針對以上決議有無異議 |
| transcript.whisperx[564].start |
15516.172 |
| transcript.whisperx[564].end |
15527.755 |
| transcript.whisperx[564].text |
沒有異議就通過第五,證券投資信託及顧問法部分條文修正草案等三案及不動產正確化條例部分條文修正草案一案 |
| transcript.whisperx[565].start |
15529.016 |
| transcript.whisperx[565].end |
15550.575 |
| transcript.whisperx[565].text |
令則其繼續審查請問各位委員對以上決議有無異議沒有異議通過第11本次會議議程已進行完畢常有不在場委員補題書面質詢一併列入記錄刊登公報並請議事人員協助處理那今天會議到此為止我們散會謝謝我們所有的行政部門官員謝謝我們所有的委員謝謝 |
| transcript.whisperx[566].start |
15572.231 |
| transcript.whisperx[566].end |
15572.493 |
| transcript.whisperx[566].text |
報告結束 |