| IVOD_ID |
161690 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/161690 |
| 日期 |
2025-05-21 |
| 會議資料.會議代碼 |
委員會-11-3-20-13 |
| 會議資料.會議代碼:str |
第11屆第3會期財政委員會第13次全體委員會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
3 |
| 會議資料.會次 |
13 |
| 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3會期財政委員會第13次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-05-21T10:20:48+08:00 |
| 結束時間 |
2025-05-21T10:32:49+08:00 |
| 影片長度 |
00:12:01 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/e381da0d479eb7db5528f16f6ae512ecda433bb611ec39b9c32860b8eb41b244b2b7e68c96004cff5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
郭國文 |
| 委員發言時間 |
10:20:48 - 10:32:49 |
| 會議時間 |
2025-05-21T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第3會期財政委員會第13次全體委員會議（事由：一、邀請財政部、金融監督管理委員會、中央銀行就「房屋稅2.0課徵亂象與金融機構對不動產融資緊縮及中央銀行信用管制措施對房地產交易之影響」進行專題報告，並備質詢。
二、處理中華民國114年度中央政府總預算決議有關金融監督管理委員會主管預算凍結書面報告案39案。【報告事項】
三、處理中華民國114年度中央政府總預算決議有關金融監督管理委員會主管預算凍結專案報告案9案。【討論事項】） |
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| transcript.whisperx[0].start |
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主委你好主委最近有一家公司中頂工程公司出了一個大狀況他的運送賬款高達196億他總淨值也不過是196億就這麼剛好 |
| transcript.whisperx[1].start |
19.039 |
| transcript.whisperx[1].end |
34.193 |
| transcript.whisperx[1].text |
可是這裡頭有很大的問題就是說中頂在兩年前去製造這個工程款有出一些問題但是還不斷地投入這個工程費用累積起來的金額才會虧損越來越大但是該發重訊的時候 |
| transcript.whisperx[2].start |
35.194 |
| transcript.whisperx[2].end |
59.094 |
| transcript.whisperx[2].text |
他發了但是卻是不死的重訓說對他財務都沒有什麼影響但是今年第一期已經認列31億的虧損還自稱說他可以收回來後續的196億可是問題雙方的合約的認知當中就差了4億美元也就是說4億美元當中呢是雙方的認知的差異就120億根本收不回來的情況底下他對外還宣稱他可以收了回來 |
| transcript.whisperx[3].start |
61.457 |
| transcript.whisperx[3].end |
86.853 |
| transcript.whisperx[3].text |
這家中頂公司呢在過去ESG的時候在治理的部分的評鑑是前5%的殊榮在ESG的治理評鑑而且連續六屆還有100億以上非金融電子業的前10%看起來表現這麼好但是呢這結果在它4月16號的時候在突然告訴大家說有196億可能收不回來股價連跌四天這簡直是在坑殺股民嘛 |
| transcript.whisperx[4].start |
88.462 |
| transcript.whisperx[4].end |
116.872 |
| transcript.whisperx[4].text |
股民當下就當損失了35%而且不只是股民損失連員工啊三個員工信託還損失了18億而且還有三家銀行也倒楣永豐銀行彰化銀行還有玉山銀行可是這件事情啊我看到就只有徵交所因為違約的問題罰他20萬從頭到尾都沒有看到主管機關金管會表示過任何意見主委是狀況外嗎 |
| transcript.whisperx[5].start |
118.4 |
| transcript.whisperx[5].end |
141.686 |
| transcript.whisperx[5].text |
我想這個如果說剛才像委員提到是因為重訓的問題還有這樣合約的問題我們交易所確實會有一套的程序就如委員講的這個不過這個金額重大也影響到市場的這個剛才看到這個股價有顯著的影響嚴重一點這搞不好是變相的掏空欸嚴重一點搞不好是特別背信欸主委 |
| transcript.whisperx[6].start |
144.928 |
| transcript.whisperx[6].end |
170.449 |
| transcript.whisperx[6].text |
196億欸 坑殺多少股民他對外謊稱還說可以收回來100多億事實上合約落差就差了4億美元之多啊不時中憲的處罰最低28 最高480這其實局都沒有動欸我不知道張局長在忙什麼主委你在忙什麼這件事情監管會完全狀況外而且他還有市民讀懂喔 |
| transcript.whisperx[7].start |
171.753 |
| transcript.whisperx[7].end |
193.566 |
| transcript.whisperx[7].text |
這四名獨董都是在馬鞍九時期的官員喔一個是李建宗喔工程委員會副主委施能祥以前當過經濟部長喔還有一個央行的外匯局局長喔顏輝煌喔都是一時之選啊四個獨董是啞巴是不是跟委員報告一下現在交易所還在瞭解中交易所還在瞭解中你這是官話嘛 |
| transcript.whisperx[8].start |
195.294 |
| transcript.whisperx[8].end |
223.767 |
| transcript.whisperx[8].text |
已經兩三年了4月份就虧損了35%你現在告訴我交易所還在了解說交易所已經罰他20萬了是你正期會需要了解中吧重大訊息都沒有做任何的表示意見這件事情要怎麼處理這個案子我會立刻請我們交易所審慎來處理一來內控失靈啊二來有沒有外控機制啊 |
| transcript.whisperx[9].start |
225.798 |
| transcript.whisperx[9].end |
238.816 |
| transcript.whisperx[9].text |
類似這麼重大事件我們的投保中心或者我們的相關的主管機關銀行局或者保險局能不能委託會計處去查核 去了解主委 |
| transcript.whisperx[10].start |
244.213 |
| transcript.whisperx[10].end |
262.372 |
| transcript.whisperx[10].text |
這些部分的話是說這跟我們的保險局是要去查核我會請我們政企局跟交易所來好好來處理這個案子對啦事情已經這麼嚴重了而且還不只一家咧後面還有耶後面還有一個台積電的概念股 |
| transcript.whisperx[11].start |
263.873 |
| transcript.whisperx[11].end |
289.826 |
| transcript.whisperx[11].text |
這個叫萬刃科技他明明是受到駭客的這一個集團的勒索在4月20號重大訊息的時候說沒有個資沒有機密的問題沒有重大文件的歪落結果5月17號人家就把他公布出來了一樣是重大訊息不是金管會有沒有做什麼類似的事件啊我想剛才委員提到一而再再而三的發生啊主委 |
| transcript.whisperx[12].start |
290.796 |
| transcript.whisperx[12].end |
291.357 |
| transcript.whisperx[12].text |
兩個案子多久給本席答覆 |
| transcript.whisperx[13].start |
309.794 |
| transcript.whisperx[13].end |
325.193 |
| transcript.whisperx[13].text |
我想當然這個時間我們會盡快但是這部分應該是要我不是背賴我相信你的辦事能力先釐清先釐清主委我再就教您一個問題這個問題您是專家那我是粗淺的了解是不管 |
| transcript.whisperx[14].start |
325.333 |
| transcript.whisperx[14].end |
339.189 |
| transcript.whisperx[14].text |
但是就相關的數字當中大家都知道台幣的升值對受選公司的影響非常之大在四月份的時候就已經六大公司就已經虧損一百八十億那時候升值不過三點六四五月份的時候升值超過六 |
| transcript.whisperx[15].start |
340.41 |
| transcript.whisperx[15].end |
364.54 |
| transcript.whisperx[15].text |
那我們知道淨池是浮動的但是呢保險公司因為淨池的浮動視為一個利多或利空的現象的各自解讀只要賺錢他說是對的虧錢也說是對的但是呢在帳與碟之間差別非常的大在2021年的時候有一年金管會就核准了9家受險公司給他發562億的現金鼓勵去年又出現了赤膏 |
| transcript.whisperx[16].start |
371.557 |
| transcript.whisperx[16].end |
390.096 |
| transcript.whisperx[16].text |
聽說有好幾家這個受選公司說也要求比照辦理要發240億的現金鼓勵有沒有這回事其實應該是這樣講就是說公司的經營比如說今年看到的現金鼓勵發放其實是去年績效我想這個大概都是按照這個規定來做那 |
| transcript.whisperx[17].start |
390.757 |
| transcript.whisperx[17].end |
406.58 |
| transcript.whisperx[17].text |
保險業比較特殊他們的現金鼓勵的發放要經過我們保險局的審查也是要考慮到這個問題那如果說他已經比如說已經這個程序做完了東西那他已經程序做完了那符合這個規定他當然去發那至於說你要讓他發了嗎 |
| transcript.whisperx[18].start |
408.101 |
| transcript.whisperx[18].end |
435.126 |
| transcript.whisperx[18].text |
這個東西先跟委員報告一下就是說我們今天假設說還在程序中的話因為這部分的話我們也要尊重因為我們做完的裁定這是去年的事情剛剛講損益的數字波動也有我們已經考量到現金發放我們已經考量到它很多人的因素已經作賜了2021發完沒多久美國升息禁止暴跌之後隔年這個星光人壽就因為RBC不足然後就要增資了嗎 |
| transcript.whisperx[19].start |
435.686 |
| transcript.whisperx[19].end |
457.017 |
| transcript.whisperx[19].text |
你不覺得很荒謬嗎這個當然委員關係的事啦像比如說我們有些公司如果還沒有發放的他來申請的我們就會跟他請他做這個評估你這四家我認為你要好好的思考清楚其實每一家都要好好思考對 每一家都要好好思考每一次申請都要好好思考當然我們現金鼓勵你隨便讓他賬面稍微好一點那改天又跌了 |
| transcript.whisperx[20].start |
457.657 |
| transcript.whisperx[20].end |
477.934 |
| transcript.whisperx[20].text |
在漲與跌之間然後就在漲的時候就可以發股利跌的時候又不一定拿得出錢你看現在RBC的狀況其實我們現在的審查機制已經考慮到這些內容因為像我們其他的銀行的話它是不需要做這樣的審查因為財報的屬性剛剛委員講的財報的屬性不一樣您最清楚啦我會私底下才能請教您啦可是這個問題就是因為受顯業的特殊性嘛 |
| transcript.whisperx[21].start |
481.417 |
| transcript.whisperx[21].end |
505.909 |
| transcript.whisperx[21].text |
不應該他跟一般公司一樣嘛 帳面上看起來好像有就可以發但是帳面上沒有的時候他補不出來啊如果真的去了解他比如說財報上的損益跟他真的發放其實會有大大的距離所以說你已經決定要發了嗎我剛跟我們報告過就是說我們已經核准過的因為政府是他執行公權力的部分那現在這幾家呢現在這幾家我們會再來請他們審慎思考你要審慎思考一下啦齁 |
| transcript.whisperx[22].start |
506.869 |
| transcript.whisperx[22].end |
520.74 |
| transcript.whisperx[22].text |
另外一個RBC的部分目前為止不足200的大概有多少家就您所掌握的RBC的部分其實上因為我們現在這個一家這一家現在RBC |
| transcript.whisperx[23].start |
522.146 |
| transcript.whisperx[23].end |
549.148 |
| transcript.whisperx[23].text |
因為跟我們報告這是時間差的關係啦因為我們是每半年看一次不是每天在看 場地上就是12月31號跟6月30號我希望你時常好好的watch一下啦這個我們每天都在watch最後我還有一個問題要問您啦你知道今天央行的報告當中就是資本集中度雖然有下滑但是還過度於偏重於這一個不動產的部分 |
| transcript.whisperx[24].start |
551.237 |
| transcript.whisperx[24].end |
575.292 |
| transcript.whisperx[24].text |
現階段這個財政部有要求嚴格的管控希望不論這個建商的存款多少他要販款的部分的額度要朝向降低集中度降低不要偏重特定部門這也是符合央行目前的一個報告的方式但我就就教於主委啦財政部所管現在不過公股銀行八大銀行而已我想請教一下主委是不是應該所有的銀行都應該比照辦理啊 |
| transcript.whisperx[25].start |
576.032 |
| transcript.whisperx[25].end |
604.48 |
| transcript.whisperx[25].text |
其實我們已經逐步在做這件事也是這個是政策我們基於風險管理的角度其實央行的政策是整體國家的房地產政策不是只有針對公股銀行的房地產政策那如果是這樣子你覺得這樣下降的幅度怎麼樣其實因為這個市場上有它一定的我們也希望說能夠用政策的導引我們也確實看到剛剛講那個不管成長率或是真的也在下降中好 |
| transcript.whisperx[26].start |
605.66 |
| transcript.whisperx[26].end |
633.31 |
| transcript.whisperx[26].text |
謝謝主委我耽誤一下主席一分鐘主委還有我謝謝主席而已最後一個部分主委有一個委託書的制度我不談個案我談這個一般而言外資來到台灣10%以上的話要經過我們的投審會10%以下的話他基本上可以透過有限徵求或無限徵求的方式比如說10%以下他的有限徵求跟無限徵求都可以達到一定的程度介入這個經營權 |
| transcript.whisperx[27].start |
635.891 |
| transcript.whisperx[27].end |
655.873 |
| transcript.whisperx[27].text |
這個問題確實是我覺得是一個漏洞這個確實我們正在檢討這件事情因為當時任何的外資在投資台灣都有他的目的目的不同審核的程序是不同的那我們也在盤點這些是否有些可能被拿來做一個不當利用我們正在處理中 |
| transcript.whisperx[28].start |
656.474 |
| transcript.whisperx[28].end |
670.853 |
| transcript.whisperx[28].text |
然後舉其例啦譬如講你如果化齡為整而想要經營爭奪這個經營權或介入經營權的情況底下是不是應該再回到投審會的方式再審查一次這個其實我們一開始審查就是分流 |
| transcript.whisperx[29].start |
671.394 |
| transcript.whisperx[29].end |
690.035 |
| transcript.whisperx[29].text |
是一個比如說你是一個直接投資FDI還有就是超過一定股權以上本來就是由投審會來做這個審查其他所謂的目的單純的財務投資那當然就是由金管會基於因為國際的資金的流通所以如果說你的目的是不同的那當然就要就是換軌嘛 |
| transcript.whisperx[30].start |
691.496 |
| transcript.whisperx[30].end |
705.02 |
| transcript.whisperx[30].text |
就要回到他的本意去對 應該回到投審會一起來審查他才能夠公開的介入沒有 這個本來就是當處理分流的本意對啦 麻煩你跟投審會我們已經在處理中達成一個機制的設計好不好是的好 謝謝主委 謝謝主席好 謝謝郭委員的諮詢下一位請賴會員召委諮詢進謝謝主席有請金管會彭主委還有警察局賴局長 |
| transcript.whisperx[31].start |
720.776 |
| transcript.whisperx[31].end |
721.152 |
| transcript.whisperx[31].text |
來 |