| IVOD_ID |
158656 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/158656 |
| 日期 |
2025-01-02 |
| 會議資料.會議代碼 |
委員會-11-2-20-14 |
| 會議資料.會議代碼:str |
第11屆第2會期財政委員會第14次全體委員會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
2 |
| 會議資料.會次 |
14 |
| 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2會期財政委員會第14次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-01-02T13:12:47+08:00 |
| 結束時間 |
2025-01-02T13:25:35+08:00 |
| 影片長度 |
00:12:48 |
| 支援功能[0] |
ai-transcript |
| 支援功能[1] |
gazette |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/186d177ad48e30e58c1a5804556950291ad867d1dd5d1dbfc298e4a85a6a9cd5ea8a73a6fda787c85ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
王世堅 |
| 委員發言時間 |
13:12:47 - 13:25:35 |
| 會議時間 |
2025-01-02T11:00:00+08:00 |
| 會議名稱 |
立法院第11屆第2會期財政委員會第14次全體委員會議（事由：審查中華民國114年度中央政府總預算案附屬單位預算營業部分，關於財政部主管臺灣土地銀行股份有限公司、財政部印刷廠、臺灣菸酒股份有限公司。（詢答及處理）
【預算提案截止時間：113年12月30日(一)下午5時】
【113年12月30日及114年1月2日二天一次會】） |
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王委員世堅 |
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王委員世堅 |
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王委員世堅 |
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王委員世堅 |
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王委員世堅 |
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| transcript.whisperx[0].start |
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土地銀行何董事長董事長土地銀行是專業的動產代管銀行這個我們本來一點都不會質疑你們因為你們是公主 |
| transcript.whisperx[1].start |
38.939 |
| transcript.whisperx[1].end |
47.244 |
| transcript.whisperx[1].text |
我記得民國94年當時二次經改政府打算把你們釋出20%台銀也要釋出20%當時我在 |
| transcript.whisperx[2].start |
53.715 |
| transcript.whisperx[2].end |
80.684 |
| transcript.whisperx[2].text |
立法院 財政委員會我極力反對我認為應該讓土銀 台銀就是成為百分之百關股就是以配合政府的政策那當時政府的目的是說民營化這個會有效率績效也會比較好而且規模才會又更大我認為規模又大那就讓台銀併土銀嘛那一樣維持百分之百關股 |
| transcript.whisperx[3].start |
82.099 |
| transcript.whisperx[3].end |
100.488 |
| transcript.whisperx[3].text |
所以我一直對土銀都蠻關注的啦跟你們跟台銀我一直認為這是要有關股銀行的一個基本的規格也就是說要配合政府的政策可是我最近看到你們一些放款的情況我蠻壓抑的就是說中央銀行早就寄出啦這幾十年來他們早就寄出來就是說 |
| transcript.whisperx[4].start |
111.504 |
| transcript.whisperx[4].end |
134.678 |
| transcript.whisperx[4].text |
貸款給空地空地貸款不得超過18個月也就是說我們要貸款給建商如果建商你是買這個土地還是要開發18個月也夠你去申請建築執照那開始去動工可以預售啦這18個月一年半那也是跟建築工會 |
| transcript.whisperx[5].start |
136.752 |
| transcript.whisperx[5].end |
164.862 |
| transcript.whisperx[5].text |
跟大家共同商議的結論跟各地方政府了解建築製造的申請所以這是對的事情啊但是沒有遵守這一條沒有遵守說貸款給建商的這個空地貸款超過18個月啦你們也不去甩腳也還是擺著讓他爛 |
| transcript.whisperx[6].start |
166.482 |
| transcript.whisperx[6].end |
183.501 |
| transcript.whisperx[6].text |
等於擺明了 挑明了 借錢給一些不孝建商讓他去買地 養地 圈地天啊 總共2150億 公營行戶而已喔光九大公營行戶2150億 借給 |
| transcript.whisperx[7].start |
187.213 |
| transcript.whisperx[7].end |
198.538 |
| transcript.whisperx[7].text |
一些超額貸款的建商 劣質的建商他們買地 養地 圈地 等於借他們去炒地皮 炒房價在2,150億裡面 我們土銀專業的銀行我們竟然佔了1,150億 天啊 |
| transcript.whisperx[8].start |
211.001 |
| transcript.whisperx[8].end |
217.006 |
| transcript.whisperx[8].text |
董事長 一千一百五十億多少呢如果當時他買的土地一坪是一百萬他光是這一千一百五十億他可以買十一萬坪的九大公營航空加起來兩千一百五十億可以買二十一萬坪 |
| transcript.whisperx[9].start |
234.005 |
| transcript.whisperx[9].end |
254.615 |
| transcript.whisperx[9].text |
那難怪生斗小民再怎麼賺錢存錢永遠追不上房價因為土地都被這些不肖惡劣建商他們搬我們工銀行戶的錢尤其搬你專業的土地銀行的錢拿去買地養地全地罪魁禍首就是你 |
| transcript.whisperx[10].start |
262.23 |
| transcript.whisperx[10].end |
282.946 |
| transcript.whisperx[10].text |
所以我覺得不可思議啊我本來對你們期望很高的土英要進去跟台英進去一樣那種的考試遠比其他航庫都要更嚴格欸使命感也更重結果成績何時你們不當一回事好啦 |
| transcript.whisperx[11].start |
289.468 |
| transcript.whisperx[11].end |
318.386 |
| transcript.whisperx[11].text |
然後最近你們又涉入一條叫太坤建設天啊合作金庫是商業銀行合作金庫做建築融資專業的不動產貸款他們專業絕對不如你專業不如你的合作金庫都知道說哎呦差了一下這一家公司啊這個預售屋賣得太差了 |
| transcript.whisperx[12].start |
320.154 |
| transcript.whisperx[12].end |
332.461 |
| transcript.whisperx[12].text |
所以預售的量太小他不敢貸款給他他要貸多少億他本來要跟合庫貸款說這個金額說貸款68億結果合庫不管貸款給他換到你土一你貸給他78億天啊 |
| transcript.whisperx[13].start |
349.529 |
| transcript.whisperx[13].end |
369.266 |
| transcript.whisperx[13].text |
78億結果這個案子一樣啊這是一個都更閉案因為賣得太差他還找人頭做假資料結果這個案子被檢調查了已經送法院這已經起訴了這是嚴重的炸彈案所以我不禁對你們土銀 |
| transcript.whisperx[14].start |
374.471 |
| transcript.whisperx[14].end |
384.213 |
| transcript.whisperx[14].text |
你們專業的不動產融資你們的評估到底是怎麼樣你竟然輸給合作金庫商業銀行你不覺得這很可恥嗎這很明顯的是一個炸彈案金額78億之多你知道年底到了有多少中小企業嗷嗷待哺 |
| transcript.whisperx[15].start |
405.267 |
| transcript.whisperx[15].end |
428.105 |
| transcript.whisperx[15].text |
多少企業簽個三五百萬多少微型公司欸幾十萬這逼死人捏結果你們這麼大把的超報七十八億被他們炸帶帶走啦用假人頭假買賣假都更 |
| transcript.whisperx[16].start |
434.454 |
| transcript.whisperx[16].end |
463.172 |
| transcript.whisperx[16].text |
所以董事啊這幾件事還有一個我最後再跟你講一件這個也是建商裡面一個寶啦新復發新復發的黑歷史我相信你們很清楚啊從台中文新愛樂一路下來什麼市政愛樂他的另外一家公司潤濃國家大院一路到高雄港灣一號院文化潤濃這些所有每個工地都出了狀況 |
| transcript.whisperx[17].start |
465.764 |
| transcript.whisperx[17].end |
487.498 |
| transcript.whisperx[17].text |
嚴重的是工人摔死好一點的就是寫公案意外火災而已但是這些案子我這邊列了12個案子有不幸達到工人死亡的竟然高達8個之多 |
| transcript.whisperx[18].start |
490.472 |
| transcript.whisperx[18].end |
510.916 |
| transcript.whisperx[18].text |
而且不是死一位兩位喔天啊這樣的公司你ESG評估的時候你在評什麼呢把他評什麼啦你不是有ESG表格嗎那這麼糟糕的公司管理治理怎麼會通過呢他 |
| transcript.whisperx[19].start |
515.894 |
| transcript.whisperx[19].end |
544.847 |
| transcript.whisperx[19].text |
摔越多工人 死越多工人你借他越多所以ESG你們根本不當一回事啊董事長我知道你可能上來沒多久啦我相信總部長派任你來也一定是希望你能整頓整頓可能有一些問題是你的前任啦他現在也離開這裡了我不曉得是不是他搞的啦但是 |
| transcript.whisperx[20].start |
546.109 |
| transcript.whisperx[20].end |
574.849 |
| transcript.whisperx[20].text |
我剛剛跟你說的那幾個情況第一點那幾個情況你回去查你做一個報告給我就是說預期18個月的空地貸款你要如何去收回別的銀行有 也有可是他佔他們總貸款的乘數人家1%你呀1151 你佔了5%之多 我不要求你0 |
| transcript.whisperx[21].start |
576.297 |
| transcript.whisperx[21].end |
594.068 |
| transcript.whisperx[21].text |
我要求你 你至少跟人家其他商業銀行一樣嘛好不好這樣就很浪費了你知道嗎各位報告 你這幾次對我們的指示我們都按照在做所以我們的已經這一年來我們已經收回了將近900億收回900億 收回200億嘛 |
| transcript.whisperx[22].start |
598.05 |
| transcript.whisperx[22].end |
605.635 |
| transcript.whisperx[22].text |
沒有那是到上次的時候他每一個月大概雙維200億現在數字數字剩下266億到12月的時候只剩下266億因為過去在 |
| transcript.whisperx[23].start |
615.382 |
| transcript.whisperx[23].end |
633.034 |
| transcript.whisperx[23].text |
那個委員在講的時候剛好是缺工缺料那時候最嚴重的時候那去年一整年缺工缺料已經減少了以後他們就開始都動工了所以動工了以後使得沒有動工的案件減少的非常的快所以已到12月的話我想我們還當然266億比同業可能還高一點我們還會繼續按照那個委員的指示繼續去改善我想我們可以降到跟同業相當的比率 |
| transcript.whisperx[24].start |
647.884 |
| transcript.whisperx[24].end |
671.24 |
| transcript.whisperx[24].text |
第二點就是這個太坤這個炸彈這個嚴重的炸彈案不管法律檢調法院怎麼判但是我們行李土地我們要有態度我們的行政調查我們的行政處分這一定要態度拿出來可不可以而且嚴追他的 |
| transcript.whisperx[25].start |
672.479 |
| transcript.whisperx[25].end |
694.632 |
| transcript.whisperx[25].text |
這個抵押物,抵押品,好不好?這一個案子在銀行裡面,這棟都已經都蓋好了而且地主跟那個買的房子的人都已經做分戶了只是還有一部分的漁物還沒賣完,連帶還有一部分的金額剩下來並不是現在的當時的78億,這個在新莊已經整個都蓋好了鋼骨結構的大樓也都蓋好了 |
| transcript.whisperx[26].start |
697.642 |
| transcript.whisperx[26].end |
726.099 |
| transcript.whisperx[26].text |
那也都把 但是銷售的其他部分嗎那它等於沒辦法分屋貸款你有做嗎 你也做沒辦法你大概做一半吧因為這個是一個連貸啦所以分給每一家銀行都會去做所以我們也做了一部分的房貸那剩下的部分他還沒賣的以後還會繼續做這是連貸的部分 你統計一下你土銀是主導銀行嘛你連貸銀行裡面也是主辦銀行 |
| transcript.whisperx[27].start |
726.98 |
| transcript.whisperx[27].end |
754.861 |
| transcript.whisperx[27].text |
第一個主辦銀行本來就要負最大的責任評估的責任第二點你要去計算你貸款給他的就關於分屋貸款的是多少分屋貸款才放心嘛銀行才放心嘛我說你本來的建築融資本來的土地融資那個就是對舊的建商嘛因為他所有轉成分屋貸款蓋好的房子全部都設定在土地銀行所以擔保是十足的是 |
| transcript.whisperx[28].start |
755.641 |
| transcript.whisperx[28].end |
767.055 |
| transcript.whisperx[28].text |
擔保失足最後一個問題就是新復發我們會注意 12個工地 你去看一看那個棲產的情況我們會注意 謝謝委員的指示 |
| transcript.gazette[0].speaker |
王委員世堅 |
| transcript.gazette[0].start |
2025-01-02T13:12:47+08:00 |
| transcript.gazette[0].guessed |
1 |
| transcript.gazette[0].end |
2025-01-02T13:12:51.087000+08:00 |
| transcript.gazette[0].text |
謝謝主席。 |
| transcript.gazette[0].quality |
0 |
| transcript.gazette[1].speaker |
王委員世堅 |
| transcript.gazette[1].start |
2025-01-02T13:12:51.087000+08:00 |
| transcript.gazette[1].guessed |
1 |
| transcript.gazette[1].end |
2025-01-02T13:12:55.174000+08:00 |
| transcript.gazette[1].text |
我請土地銀行董事長。 |
| transcript.gazette[1].quality |
0 |
| transcript.gazette[2].speaker |
主席 |
| transcript.gazette[2].start |
2025-01-02T13:12:55.174000+08:00 |
| transcript.gazette[2].guessed |
|
| transcript.gazette[2].end |
2025-01-02T13:12:56.195000+08:00 |
| transcript.gazette[2].text |
請土地銀行何董事長。 |
| transcript.gazette[2].quality |
0.889 |
| transcript.gazette[3].speaker |
何董事長英明 |
| transcript.gazette[3].start |
2025-01-02T13:12:56.195000+08:00 |
| transcript.gazette[3].guessed |
1 |
| transcript.gazette[3].end |
2025-01-02T13:12:57.195000+08:00 |
| transcript.gazette[3].text |
委員好。 |
| transcript.gazette[3].quality |
0 |
| transcript.gazette[4].speaker |
王委員世堅 |
| transcript.gazette[4].start |
2025-01-02T13:12:56.195000+08:00 |
| transcript.gazette[4].guessed |
|
| transcript.gazette[4].end |
2025-01-02T13:13:18.132000+08:00 |
| transcript.gazette[4].text |
董事長，你們既然是專業的不動產貸款銀行，本來我們一點都不會質疑你們，因為你們是公股行庫。 |
| transcript.gazette[4].quality |
0.7 |
| transcript.gazette[5].speaker |
王委員世堅 |
| transcript.gazette[5].start |
2025-01-02T13:13:25.939000+08:00 |
| transcript.gazette[5].guessed |
|
| transcript.gazette[5].end |
2025-01-02T13:14:21.565000+08:00 |
| transcript.gazette[5].text |
我記得民國94年當時二次金改，政府打算把你們釋出20%，臺銀也要釋出20%，當時我在立法院財政委員會，我極力反對，我認為應該讓土銀、臺銀成為100%的官股，以配合政府政策，當時政府的目的是民營化會有效率，績效也會比較好，而且規模才會更大，我認為規模要大，那就讓臺銀併土銀，一樣維持100%官股，所以我一直對土銀滿關注的，我一直認為你們跟臺銀要有官股銀行基本的規格，就是要配合政府的政策。 |
| transcript.gazette[5].quality |
0.915 |
| transcript.gazette[6].speaker |
王委員世堅 |
| transcript.gazette[6].start |
2025-01-02T13:14:22.646000+08:00 |
| transcript.gazette[6].guessed |
|
| transcript.gazette[6].end |
2025-01-02T13:15:43.133000+08:00 |
| transcript.gazette[6].text |
可是我最近看到你們一些放款的情況都滿訝異的，中央銀行這幾十年來早就祭出空地貸款不得超過18個月，也就是說我們貸款給建商，如果建商買土地是要開發，18個月也夠你去申請建築執照，開始去動工、去預售，18個月一年半也是跟建築公會、跟大家共同商議的結論，跟各地方政府了解建築執照的申請，所以這是對的事情，但是沒有遵守這一條，沒有遵守貸款給建商的空地貸款超過18個月，你們也不去催繳，也還是擺著讓它爛，等於擺明了、挑明了借錢給一些不肖建商，讓它去買地、養地、圈地。天啊！ |
| transcript.gazette[6].quality |
0.93 |
| transcript.gazette[7].speaker |
王委員世堅 |
| transcript.gazette[7].start |
2025-01-02T13:15:44.294000+08:00 |
| transcript.gazette[7].guessed |
|
| transcript.gazette[7].end |
2025-01-02T13:15:48.519000+08:00 |
| transcript.gazette[7].text |
總共2,150億元，公營行庫而已喔！ |
| transcript.gazette[7].quality |
0.75 |
| transcript.gazette[8].speaker |
王委員世堅 |
| transcript.gazette[8].start |
2025-01-02T13:15:49.339000+08:00 |
| transcript.gazette[8].guessed |
|
| transcript.gazette[8].end |
2025-01-02T13:16:05.118000+08:00 |
| transcript.gazette[8].text |
光九大公營行庫就2,150億元借給一些超額貸款的建商、劣質的建商，它們買地、養地、圈地，等於借它們去炒地皮、炒房價。 |
| transcript.gazette[8].quality |
0.872 |
| transcript.gazette[9].speaker |
王委員世堅 |
| transcript.gazette[9].start |
2025-01-02T13:16:05.138000+08:00 |
| transcript.gazette[9].guessed |
|
| transcript.gazette[9].end |
2025-01-02T13:16:05.218000+08:00 |
| transcript.gazette[9].text |
這2,150億元裡面，我們土銀專業的銀行耶！ |
| transcript.gazette[9].quality |
0.75 |
| transcript.gazette[10].speaker |
王委員世堅 |
| transcript.gazette[10].start |
2025-01-02T13:16:05.298000+08:00 |
| transcript.gazette[10].guessed |
|
| transcript.gazette[10].end |
2025-01-02T13:16:05.518000+08:00 |
| transcript.gazette[10].text |
竟然占了1,150億元。天啊！ |
| transcript.gazette[10].quality |
0.667 |
| transcript.gazette[11].speaker |
王委員世堅 |
| transcript.gazette[11].start |
2025-01-02T13:16:18.001000+08:00 |
| transcript.gazette[11].guessed |
|
| transcript.gazette[11].end |
2025-01-02T13:16:20.303000+08:00 |
| transcript.gazette[11].text |
董事長，1,150億元多少呢？ |
| transcript.gazette[11].quality |
0.778 |
| transcript.gazette[12].speaker |
王委員世堅 |
| transcript.gazette[12].start |
2025-01-02T13:16:20.763000+08:00 |
| transcript.gazette[12].guessed |
|
| transcript.gazette[12].end |
2025-01-02T13:17:01.595000+08:00 |
| transcript.gazette[12].text |
如果當時它買的土地1坪100萬元，它光是這1,150億元可以買11萬坪，九大公營行庫加起來2,150億元可以買21萬坪，難怪升斗小民再怎麼賺錢、存錢，永遠追不上房價，因為土地都被這些不肖、惡劣建商搬公營行庫的錢，尤其搬你專業土地銀行的錢拿去買地、養地、圈地，罪魁禍首就是你！ |
| transcript.gazette[12].quality |
0.872 |
| transcript.gazette[13].speaker |
王委員世堅 |
| transcript.gazette[13].start |
2025-01-02T13:17:09.370000+08:00 |
| transcript.gazette[13].guessed |
|
| transcript.gazette[13].end |
2025-01-02T13:17:10.271000+08:00 |
| transcript.gazette[13].text |
我覺得不可思議啊！ |
| transcript.gazette[13].quality |
1 |
| transcript.gazette[14].speaker |
王委員世堅 |
| transcript.gazette[14].start |
2025-01-02T13:17:11.051000+08:00 |
| transcript.gazette[14].guessed |
|
| transcript.gazette[14].end |
2025-01-02T13:17:29.826000+08:00 |
| transcript.gazette[14].text |
我本來對你們期望很高的，要進去土銀跟臺銀一樣，考試遠比其他行庫更嚴格，使命感也更重，結果曾幾何時，你們不當一回事。 |
| transcript.gazette[14].quality |
0.882 |
| transcript.gazette[15].speaker |
王委員世堅 |
| transcript.gazette[15].start |
2025-01-02T13:17:37.769000+08:00 |
| transcript.gazette[15].guessed |
|
| transcript.gazette[15].end |
2025-01-02T13:17:41.951000+08:00 |
| transcript.gazette[15].text |
最近你們又涉入一條泰坤建設，天啊！ |
| transcript.gazette[15].quality |
0.933 |
| transcript.gazette[16].speaker |
王委員世堅 |
| transcript.gazette[16].start |
2025-01-02T13:17:43.572000+08:00 |
| transcript.gazette[16].guessed |
|
| transcript.gazette[16].end |
2025-01-02T13:18:11.857000+08:00 |
| transcript.gazette[16].text |
合作金庫是商業銀行，合作金庫做建築融資專業的不動產貸款，它們的專業絕對不如你，專業不如你的合作金庫都知道查了一下這家公司預售屋賣得太差了，預售的量太小，它不敢貸款給它。 |
| transcript.gazette[16].quality |
0.936 |
| transcript.gazette[17].speaker |
王委員世堅 |
| transcript.gazette[17].start |
2025-01-02T13:18:12.537000+08:00 |
| transcript.gazette[17].guessed |
|
| transcript.gazette[17].end |
2025-01-02T13:18:13.938000+08:00 |
| transcript.gazette[17].text |
它要貸多少億呢？ |
| transcript.gazette[17].quality |
0.714 |
| transcript.gazette[18].speaker |
王委員世堅 |
| transcript.gazette[18].start |
2025-01-02T13:18:14.258000+08:00 |
| transcript.gazette[18].guessed |
|
| transcript.gazette[18].end |
2025-01-02T13:18:19.441000+08:00 |
| transcript.gazette[18].text |
它本來要跟合庫貸款68億元，結果合庫不敢貸款給它，換到土銀，你貸給它78億元，天啊！ |
| transcript.gazette[18].quality |
0.788 |
| transcript.gazette[19].speaker |
王委員世堅 |
| transcript.gazette[19].start |
2025-01-02T13:18:36.529000+08:00 |
| transcript.gazette[19].guessed |
|
| transcript.gazette[19].end |
2025-01-02T13:18:55.886000+08:00 |
| transcript.gazette[19].text |
結果這是一個都更弊案，因為賣得太差，它還找人頭做假資料，結果這個案子被檢調查了，已經送法院，已經起訴了，這是嚴重的詐貸案。 |
| transcript.gazette[19].quality |
0.926 |
| transcript.gazette[20].speaker |
王委員世堅 |
| transcript.gazette[20].start |
2025-01-02T13:18:55.906000+08:00 |
| transcript.gazette[20].guessed |
|
| transcript.gazette[20].end |
2025-01-02T13:19:07.793000+08:00 |
| transcript.gazette[20].text |
所以我不禁懷疑土銀的專業不動產融資，你們的評估到底是怎樣？ |
| transcript.gazette[20].quality |
0.889 |
| transcript.gazette[21].speaker |
王委員世堅 |
| transcript.gazette[21].start |
2025-01-02T13:19:08.053000+08:00 |
| transcript.gazette[21].guessed |
|
| transcript.gazette[21].end |
2025-01-02T13:19:08.533000+08:00 |
| transcript.gazette[21].text |
竟然輸給合作金庫商業銀行！ |
| transcript.gazette[21].quality |
1 |
| transcript.gazette[22].speaker |
王委員世堅 |
| transcript.gazette[22].start |
2025-01-02T13:19:08.633000+08:00 |
| transcript.gazette[22].guessed |
|
| transcript.gazette[22].end |
2025-01-02T13:19:09.273000+08:00 |
| transcript.gazette[22].text |
你不覺得這很可恥嗎？ |
| transcript.gazette[22].quality |
1 |
| transcript.gazette[23].speaker |
王委員世堅 |
| transcript.gazette[23].start |
2025-01-02T13:19:09.273000+08:00 |
| transcript.gazette[23].guessed |
|
| transcript.gazette[23].end |
2025-01-02T13:19:55.085000+08:00 |
| transcript.gazette[23].text |
這很明顯是一個詐貸案，金額78億元之多，你知道年底到了，有多少中小企業嗷嗷待哺、多少企業欠個三、五百萬元，多少微型公司幾十萬就逼死人，結果你們這麼大把的鈔票78億元被它們詐貸走了，用假人頭、假買賣、假都更。 |
| transcript.gazette[23].quality |
0.852 |
| transcript.gazette[24].speaker |
王委員世堅 |
| transcript.gazette[24].start |
2025-01-02T13:20:04.636000+08:00 |
| transcript.gazette[24].guessed |
|
| transcript.gazette[24].end |
2025-01-02T13:20:30.172000+08:00 |
| transcript.gazette[24].text |
最後跟你講一件，這也是建商裡面一個寶─興富發，興富發的黑歷史我相信你們很清楚，從臺中文心愛悅一路下來，什麼市政愛悅，它的另外一家公司潤隆國家大院一路到高雄港灣一號院、文化潤隆，每個工地都出了狀況。 |
| transcript.gazette[24].quality |
0.878 |
| transcript.gazette[25].speaker |
王委員世堅 |
| transcript.gazette[25].start |
2025-01-02T13:20:32.764000+08:00 |
| transcript.gazette[25].guessed |
|
| transcript.gazette[25].end |
2025-01-02T13:21:01.093000+08:00 |
| transcript.gazette[25].text |
嚴重的是工人摔死，好一點的就是工安意外、火災而已，但是這些案子，我這邊列的12個案子，不幸有工人死亡的竟然高達8個之多，而且不是死一位、兩位，天啊！ |
| transcript.gazette[25].quality |
0.935 |
| transcript.gazette[26].speaker |
王委員世堅 |
| transcript.gazette[26].start |
2025-01-02T13:21:01.353000+08:00 |
| transcript.gazette[26].guessed |
|
| transcript.gazette[26].end |
2025-01-02T13:21:06.034000+08:00 |
| transcript.gazette[26].text |
這樣的公司你ESG評估的時候在評什麼呢？ |
| transcript.gazette[26].quality |
1 |
| transcript.gazette[27].speaker |
王委員世堅 |
| transcript.gazette[27].start |
2025-01-02T13:21:06.974000+08:00 |
| transcript.gazette[27].guessed |
|
| transcript.gazette[27].end |
2025-01-02T13:21:08.074000+08:00 |
| transcript.gazette[27].text |
把它評什麼啦！ |
| transcript.gazette[27].quality |
0.833 |
| transcript.gazette[28].speaker |
王委員世堅 |
| transcript.gazette[28].start |
2025-01-02T13:21:09.054000+08:00 |
| transcript.gazette[28].guessed |
|
| transcript.gazette[28].end |
2025-01-02T13:21:12.335000+08:00 |
| transcript.gazette[28].text |
你不是有ESG表格嗎？ |
| transcript.gazette[28].quality |
1 |
| transcript.gazette[29].speaker |
王委員世堅 |
| transcript.gazette[29].start |
2025-01-02T13:21:13.735000+08:00 |
| transcript.gazette[29].guessed |
|
| transcript.gazette[29].end |
2025-01-02T13:21:17.876000+08:00 |
| transcript.gazette[29].text |
這麼糟糕的公司管理、治理，怎麼會通過呢？ |
| transcript.gazette[29].quality |
1 |
| transcript.gazette[30].speaker |
王委員世堅 |
| transcript.gazette[30].start |
2025-01-02T13:21:22.894000+08:00 |
| transcript.gazette[30].guessed |
|
| transcript.gazette[30].end |
2025-01-02T13:21:26.736000+08:00 |
| transcript.gazette[30].text |
它摔越多工人、死越多工人，你借它越多！ |
| transcript.gazette[30].quality |
0.875 |
| transcript.gazette[31].speaker |
王委員世堅 |
| transcript.gazette[31].start |
2025-01-02T13:21:31.058000+08:00 |
| transcript.gazette[31].guessed |
|
| transcript.gazette[31].end |
2025-01-02T13:21:33.919000+08:00 |
| transcript.gazette[31].text |
所以ESG你們根本不當一回事啊！ |
| transcript.gazette[31].quality |
1 |
| transcript.gazette[32].speaker |
王委員世堅 |
| transcript.gazette[32].start |
2025-01-02T13:21:35.940000+08:00 |
| transcript.gazette[32].guessed |
|
| transcript.gazette[32].end |
2025-01-02T13:22:28.980000+08:00 |
| transcript.gazette[32].text |
董事長，我知道你可能上來沒多久，我相信莊部長派任你來也一定是希望你能整頓整頓，可能有一些問題是你的前任，他現在也離開這裡了，我不曉得是不是他搞的，但是我剛剛跟你說的那幾個情況，第一點，那幾個情況你回去查，你做一個報告給我，就是逾期18個月的空地貸款要如何收回，別的銀行也有，可是占它們總貸款的成數1%，你1,150億元占了5%之多，我不要求你0，我要求你至少跟其他商業銀行一樣，好不好？ |
| transcript.gazette[32].quality |
0.946 |
| transcript.gazette[33].speaker |
王委員世堅 |
| transcript.gazette[33].start |
2025-01-02T13:22:29.181000+08:00 |
| transcript.gazette[33].guessed |
|
| transcript.gazette[33].end |
2025-01-02T13:22:30.882000+08:00 |
| transcript.gazette[33].text |
這樣就很漏氣，你知道嗎？ |
| transcript.gazette[33].quality |
0.8 |
| transcript.gazette[34].speaker |
何董事長英明 |
| transcript.gazette[34].start |
2025-01-02T13:22:31.342000+08:00 |
| transcript.gazette[34].guessed |
|
| transcript.gazette[34].end |
2025-01-02T13:22:40.227000+08:00 |
| transcript.gazette[34].text |
跟委員報告，你這幾次對我們的指示，我們都照著在做，這一年來，我們已經收回將近900億元。 |
| transcript.gazette[34].quality |
0.861 |
| transcript.gazette[35].speaker |
王委員世堅 |
| transcript.gazette[35].start |
2025-01-02T13:22:40.227000+08:00 |
| transcript.gazette[35].guessed |
|
| transcript.gazette[35].end |
2025-01-02T13:22:40.607000+08:00 |
| transcript.gazette[35].text |
收回900億元？對。 |
| transcript.gazette[35].quality |
0.6 |
| transcript.gazette[36].speaker |
王委員世堅 |
| transcript.gazette[36].start |
2025-01-02T13:22:40.607000+08:00 |
| transcript.gazette[36].guessed |
|
| transcript.gazette[36].end |
2025-01-02T13:22:41.048000+08:00 |
| transcript.gazette[36].text |
收回200億元吧！ |
| transcript.gazette[36].quality |
0.6 |
| transcript.gazette[37].speaker |
何董事長英明 |
| transcript.gazette[37].start |
2025-01-02T13:22:45.050000+08:00 |
| transcript.gazette[37].guessed |
|
| transcript.gazette[37].end |
2025-01-02T13:22:50.574000+08:00 |
| transcript.gazette[37].text |
沒有，那是到上次，每一個月大概收回…… |
| transcript.gazette[37].quality |
0.867 |
| transcript.gazette[38].speaker |
王委員世堅 |
| transcript.gazette[38].start |
2025-01-02T13:22:50.574000+08:00 |
| transcript.gazette[38].guessed |
1 |
| transcript.gazette[38].end |
2025-01-02T13:22:51.574000+08:00 |
| transcript.gazette[38].text |
收回200億元，剩900億元吧！ |
| transcript.gazette[38].quality |
0.125 |
| transcript.gazette[39].speaker |
何董事長英明 |
| transcript.gazette[39].start |
2025-01-02T13:22:50.674000+08:00 |
| transcript.gazette[39].guessed |
|
| transcript.gazette[39].end |
2025-01-02T13:22:52.555000+08:00 |
| transcript.gazette[39].text |
現在數字剩下266億元，到12月的時候只剩下266億元。 |
| transcript.gazette[39].quality |
0.889 |
| transcript.gazette[40].speaker |
王委員世堅 |
| transcript.gazette[40].start |
2025-01-02T13:22:52.555000+08:00 |
| transcript.gazette[40].guessed |
1 |
| transcript.gazette[40].end |
2025-01-02T13:22:53.555000+08:00 |
| transcript.gazette[40].text |
收回900億元？ |
| transcript.gazette[40].quality |
0 |
| transcript.gazette[41].speaker |
何董事長英明 |
| transcript.gazette[41].start |
2025-01-02T13:22:52.555000+08:00 |
| transcript.gazette[41].guessed |
|
| transcript.gazette[41].end |
2025-01-02T13:23:17.092000+08:00 |
| transcript.gazette[41].text |
因為委員講的時候剛好是缺工、缺料最嚴重的時候，去年一整年缺工、缺料已經減少，他們就開始動工了，所以沒有動工的案件減少得非常快。 |
| transcript.gazette[41].quality |
0.982 |
| transcript.gazette[42].speaker |
何董事長英明 |
| transcript.gazette[42].start |
2025-01-02T13:23:18.573000+08:00 |
| transcript.gazette[42].guessed |
|
| transcript.gazette[42].end |
2025-01-02T13:23:20.014000+08:00 |
| transcript.gazette[42].text |
當然266億元可能比同業還高一點，我們還會繼續按照委員的指示改善，我想我們可以降到跟同業相當的比率，也符合委員對我們的期望。 |
| transcript.gazette[42].quality |
0.745 |
| transcript.gazette[43].speaker |
王委員世堅 |
| transcript.gazette[43].start |
2025-01-02T13:23:20.014000+08:00 |
| transcript.gazette[43].guessed |
1 |
| transcript.gazette[43].end |
2025-01-02T13:23:34.884000+08:00 |
| transcript.gazette[43].text |
降到跟同業一樣1%。 |
| transcript.gazette[43].quality |
0 |
| transcript.gazette[44].speaker |
王委員世堅 |
| transcript.gazette[44].start |
2025-01-02T13:23:34.884000+08:00 |
| transcript.gazette[44].guessed |
|
| transcript.gazette[44].end |
2025-01-02T13:23:54.657000+08:00 |
| transcript.gazette[44].text |
第二點，就是泰坤這個嚴重的詐貸案，不管檢調、法院怎麼判，但是土地銀行要有態度，我們的行政調查、行政處分一定要拿出態度，可不可以？是。 |
| transcript.gazette[44].quality |
0.86 |
| transcript.gazette[45].speaker |
王委員世堅 |
| transcript.gazette[45].start |
2025-01-02T13:23:56.118000+08:00 |
| transcript.gazette[45].guessed |
|
| transcript.gazette[45].end |
2025-01-02T13:24:02.061000+08:00 |
| transcript.gazette[45].text |
而且嚴追它的抵押物、抵押品，好不好？ |
| transcript.gazette[45].quality |
0.933 |
| transcript.gazette[46].speaker |
何董事長英明 |
| transcript.gazette[46].start |
2025-01-02T13:24:03.502000+08:00 |
| transcript.gazette[46].guessed |
|
| transcript.gazette[46].end |
2025-01-02T13:24:21.612000+08:00 |
| transcript.gazette[46].text |
報告委員，這個案子在銀行裡面……這棟都更已經都蓋好了，而且地主跟買房子的人都已經做分戶了，只是還有一部分的餘屋還沒賣完，連帶還有一部分的金額剩下來，並不是當時的78億元，這個在新莊已經整個蓋好了，鋼骨結構的大樓也都蓋好了。 |
| transcript.gazette[46].quality |
0.919 |
| transcript.gazette[47].speaker |
王委員世堅 |
| transcript.gazette[47].start |
2025-01-02T13:24:25.583000+08:00 |
| transcript.gazette[47].guessed |
|
| transcript.gazette[47].end |
2025-01-02T13:24:27.384000+08:00 |
| transcript.gazette[47].text |
但是銷售奇差，不是嗎？ |
| transcript.gazette[47].quality |
0.556 |
| transcript.gazette[48].speaker |
王委員世堅 |
| transcript.gazette[48].start |
2025-01-02T13:24:29.405000+08:00 |
| transcript.gazette[48].guessed |
|
| transcript.gazette[48].end |
2025-01-02T13:24:30.726000+08:00 |
| transcript.gazette[48].text |
分屋貸款你有做嗎？ |
| transcript.gazette[48].quality |
1 |
| transcript.gazette[49].speaker |
王委員世堅 |
| transcript.gazette[49].start |
2025-01-02T13:24:31.947000+08:00 |
| transcript.gazette[49].guessed |
|
| transcript.gazette[49].end |
2025-01-02T13:24:32.867000+08:00 |
| transcript.gazette[49].text |
你大概做一半吧！ |
| transcript.gazette[49].quality |
1 |
| transcript.gazette[50].speaker |
何董事長英明 |
| transcript.gazette[50].start |
2025-01-02T13:24:33.768000+08:00 |
| transcript.gazette[50].guessed |
|
| transcript.gazette[50].end |
2025-01-02T13:24:43.574000+08:00 |
| transcript.gazette[50].text |
因為這是一個聯貸，分給每一家銀行都會去做，所以我們也做了一部分的房貸。 |
| transcript.gazette[50].quality |
0.969 |
| transcript.gazette[51].speaker |
王委員世堅 |
| transcript.gazette[51].start |
2025-01-02T13:24:43.574000+08:00 |
| transcript.gazette[51].guessed |
1 |
| transcript.gazette[51].end |
2025-01-02T13:24:44.574000+08:00 |
| transcript.gazette[51].text |
對，你做一部分。 |
| transcript.gazette[51].quality |
0 |
| transcript.gazette[52].speaker |
何董事長英明 |
| transcript.gazette[52].start |
2025-01-02T13:24:43.794000+08:00 |
| transcript.gazette[52].guessed |
|
| transcript.gazette[52].end |
2025-01-02T13:24:47.316000+08:00 |
| transcript.gazette[52].text |
剩下的部分，它還沒賣的，以後還會繼續做。 |
| transcript.gazette[52].quality |
0.941 |
| transcript.gazette[53].speaker |
王委員世堅 |
| transcript.gazette[53].start |
2025-01-02T13:24:47.496000+08:00 |
| transcript.gazette[53].guessed |
|
| transcript.gazette[53].end |
2025-01-02T13:24:53.079000+08:00 |
| transcript.gazette[53].text |
這是聯貸的部分，你統計一下，土銀是主導銀行，聯貸銀行裡面你是主辦銀行。 |
| transcript.gazette[53].quality |
0.903 |
| transcript.gazette[54].speaker |
王委員世堅 |
| transcript.gazette[54].start |
2025-01-02T13:24:53.980000+08:00 |
| transcript.gazette[54].guessed |
|
| transcript.gazette[54].end |
2025-01-02T13:24:57.202000+08:00 |
| transcript.gazette[54].text |
第一個，主辦銀行本來就要負最大的責任，有評估的責任。 |
| transcript.gazette[54].quality |
0.957 |
| transcript.gazette[55].speaker |
王委員世堅 |
| transcript.gazette[55].start |
2025-01-02T13:24:57.723000+08:00 |
| transcript.gazette[55].guessed |
|
| transcript.gazette[55].end |
2025-01-02T13:25:07.450000+08:00 |
| transcript.gazette[55].text |
第二點，你要去計算貸款給它關於分屋貸款的有多少，有分屋貸款銀行才放心嘛！對。 |
| transcript.gazette[55].quality |
0.882 |
| transcript.gazette[56].speaker |
王委員世堅 |
| transcript.gazette[56].start |
2025-01-02T13:25:08.411000+08:00 |
| transcript.gazette[56].guessed |
|
| transcript.gazette[56].end |
2025-01-02T13:25:15.756000+08:00 |
| transcript.gazette[56].text |
本來的建築融資、土地融資就是對舊的建商，要轉成分屋貸款。 |
| transcript.gazette[56].quality |
0.96 |
| transcript.gazette[57].speaker |
何董事長英明 |
| transcript.gazette[57].start |
2025-01-02T13:25:15.936000+08:00 |
| transcript.gazette[57].guessed |
|
| transcript.gazette[57].end |
2025-01-02T13:25:21.340000+08:00 |
| transcript.gazette[57].text |
它所有蓋好的房子全部都設定在土地銀行，擔保是十足的。 |
| transcript.gazette[57].quality |
0.875 |
| transcript.gazette[58].speaker |
王委員世堅 |
| transcript.gazette[58].start |
2025-01-02T13:25:23.262000+08:00 |
| transcript.gazette[58].guessed |
|
| transcript.gazette[58].end |
2025-01-02T13:25:32.573000+08:00 |
| transcript.gazette[58].text |
最後一個問題就是興富發，這12個工地你去看一看悽慘的情況。 |
| transcript.gazette[58].quality |
0.8 |
| transcript.gazette[59].speaker |
何董事長英明 |
| transcript.gazette[59].start |
2025-01-02T13:25:32.573000+08:00 |
| transcript.gazette[59].guessed |
|
| transcript.gazette[59].end |
2025-01-02T13:25:34.035000+08:00 |
| transcript.gazette[59].text |
是，我們會注意未來的案子，謝謝委員的指示。 |
| transcript.gazette[59].quality |
0.667 |
| transcript.gazette[60].speaker |
主席 |
| transcript.gazette[60].start |
2025-01-02T13:25:34.535000+08:00 |
| transcript.gazette[60].guessed |
1 |
| transcript.gazette[60].end |
2025-01-02T13:25:36.535000+08:00 |
| transcript.gazette[60].text |
謝謝王世堅委員。 |
| transcript.gazette[60].quality |
0 |
| transcript.gazette[61].speaker |
主席 |
| transcript.gazette[61].start |
2025-01-02T13:25:36.835000+08:00 |
| transcript.gazette[61].guessed |
1 |
| transcript.gazette[61].end |
2025-01-02T13:25:42.263571+08:00 |
| transcript.gazette[61].text |
接著請蘇清泉委員，蘇清泉、蘇清泉，蘇清泉不在。 |
| transcript.gazette[61].quality |
0 |
| transcript.gazette[62].speaker |
主席 |
| transcript.gazette[62].start |
2025-01-02T13:25:42.563571+08:00 |
| transcript.gazette[62].guessed |
1 |
| transcript.gazette[62].end |
2025-01-02T13:25:47.135000+08:00 |
| transcript.gazette[62].text |
鍾佳濱委員，鍾佳濱、鍾佳濱，鍾佳濱不在。 |
| transcript.gazette[62].quality |
0 |
| transcript.gazette[63].speaker |
主席 |
| transcript.gazette[63].start |
2025-01-02T13:25:47.435000+08:00 |
| transcript.gazette[63].guessed |
1 |
| transcript.gazette[63].end |
2025-01-02T13:25:52.006429+08:00 |
| transcript.gazette[63].text |
葉元之委員，葉元之、葉元之，葉元之不在。 |
| transcript.gazette[63].quality |
0 |
| transcript.gazette[64].speaker |
主席 |
| transcript.gazette[64].start |
2025-01-02T13:25:52.306429+08:00 |
| transcript.gazette[64].guessed |
1 |
| transcript.gazette[64].end |
2025-01-02T13:26:12.020714+08:00 |
| transcript.gazette[64].text |
本日登記發言委員均已詢答完畢，本次會議作如下決議：說明及詢答完畢，委員質詢未及答復或請補充資訊，請財政部於一週內以書面答復，委員另要求期限者，從其約定。 |
| transcript.gazette[64].quality |
0 |
| transcript.gazette[65].speaker |
主席 |
| transcript.gazette[65].start |
2025-01-02T13:26:12.320714+08:00 |
| transcript.gazette[65].guessed |
1 |
| transcript.gazette[65].end |
2025-01-02T13:26:21.463571+08:00 |
| transcript.gazette[65].text |
委員顏寬恒、李彥秀所提書面質詢，列入紀錄，刊登公報，並請財政部以書面答復。 |
| transcript.gazette[65].quality |
0 |