| IVOD_ID |
167890 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/167890 |
| 日期 |
2026-03-25 |
| 會議資料.會議代碼 |
委員會-11-5-20-5 |
| 會議資料.會議代碼:str |
第11屆第5會期財政委員會第5次全體委員會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
5 |
| 會議資料.會次 |
5 |
| 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5會期財政委員會第5次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2026-03-25T11:40:44+08:00 |
| 結束時間 |
2026-03-25T11:50:27+08:00 |
| 影片長度 |
00:09:43 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/755992caaad3baae7f8fffb9972a66075b6789160e7ad0a44b8922a2b60b811d94175fee1b8a1d2e5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
顏寬恒 |
| 委員發言時間 |
11:40:44 - 11:50:27 |
| 會議時間 |
2026-03-25T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第5會期財政委員會第5次全體委員會議（事由：邀請財政部莊部長翠雲率所屬機關首長暨國營事業董事長、總經理(含各轉投資事業機構公股代表之董、監事)列席業務報告，並備質詢。
【3月25日及26日二天一次會】） |
| transcript.pyannote[0].speaker |
SPEAKER_01 |
| transcript.pyannote[0].start |
0.03096875 |
| transcript.pyannote[0].end |
0.87471875 |
| transcript.pyannote[1].speaker |
SPEAKER_01 |
| transcript.pyannote[1].start |
6.52784375 |
| transcript.pyannote[1].end |
7.91159375 |
| transcript.pyannote[2].speaker |
SPEAKER_01 |
| transcript.pyannote[2].start |
8.28284375 |
| transcript.pyannote[2].end |
21.95159375 |
| transcript.pyannote[3].speaker |
SPEAKER_01 |
| transcript.pyannote[3].start |
22.42409375 |
| transcript.pyannote[3].end |
28.92096875 |
| transcript.pyannote[4].speaker |
SPEAKER_01 |
| transcript.pyannote[4].start |
29.30909375 |
| transcript.pyannote[4].end |
30.32159375 |
| transcript.pyannote[5].speaker |
SPEAKER_01 |
| transcript.pyannote[5].start |
30.52409375 |
| transcript.pyannote[5].end |
32.71784375 |
| transcript.pyannote[6].speaker |
SPEAKER_01 |
| transcript.pyannote[6].start |
32.85284375 |
| transcript.pyannote[6].end |
38.77596875 |
| transcript.pyannote[7].speaker |
SPEAKER_01 |
| transcript.pyannote[7].start |
39.18096875 |
| transcript.pyannote[7].end |
45.00284375 |
| transcript.pyannote[8].speaker |
SPEAKER_01 |
| transcript.pyannote[8].start |
45.17159375 |
| transcript.pyannote[8].end |
47.70284375 |
| transcript.pyannote[9].speaker |
SPEAKER_01 |
| transcript.pyannote[9].start |
48.05721875 |
| transcript.pyannote[9].end |
51.38159375 |
| transcript.pyannote[10].speaker |
SPEAKER_01 |
| transcript.pyannote[10].start |
51.53346875 |
| transcript.pyannote[10].end |
60.73034375 |
| transcript.pyannote[11].speaker |
SPEAKER_01 |
| transcript.pyannote[11].start |
61.23659375 |
| transcript.pyannote[11].end |
63.21096875 |
| transcript.pyannote[12].speaker |
SPEAKER_01 |
| transcript.pyannote[12].start |
63.46409375 |
| transcript.pyannote[12].end |
63.95346875 |
| transcript.pyannote[13].speaker |
SPEAKER_01 |
| transcript.pyannote[13].start |
64.17284375 |
| transcript.pyannote[13].end |
68.22284375 |
| transcript.pyannote[14].speaker |
SPEAKER_01 |
| transcript.pyannote[14].start |
68.76284375 |
| transcript.pyannote[14].end |
70.50096875 |
| transcript.pyannote[15].speaker |
SPEAKER_01 |
| transcript.pyannote[15].start |
71.19284375 |
| transcript.pyannote[15].end |
98.58096875 |
| transcript.pyannote[16].speaker |
SPEAKER_00 |
| transcript.pyannote[16].start |
99.59346875 |
| transcript.pyannote[16].end |
147.29909375 |
| transcript.pyannote[17].speaker |
SPEAKER_01 |
| transcript.pyannote[17].start |
102.68159375 |
| transcript.pyannote[17].end |
103.12034375 |
| transcript.pyannote[18].speaker |
SPEAKER_01 |
| transcript.pyannote[18].start |
112.75596875 |
| transcript.pyannote[18].end |
113.24534375 |
| transcript.pyannote[19].speaker |
SPEAKER_01 |
| transcript.pyannote[19].start |
116.65409375 |
| transcript.pyannote[19].end |
117.02534375 |
| transcript.pyannote[20].speaker |
SPEAKER_01 |
| transcript.pyannote[20].start |
120.63659375 |
| transcript.pyannote[20].end |
121.09221875 |
| transcript.pyannote[21].speaker |
SPEAKER_01 |
| transcript.pyannote[21].start |
121.90221875 |
| transcript.pyannote[21].end |
122.45909375 |
| transcript.pyannote[22].speaker |
SPEAKER_01 |
| transcript.pyannote[22].start |
123.48846875 |
| transcript.pyannote[22].end |
126.08721875 |
| transcript.pyannote[23].speaker |
SPEAKER_01 |
| transcript.pyannote[23].start |
127.50471875 |
| transcript.pyannote[23].end |
127.53846875 |
| transcript.pyannote[24].speaker |
SPEAKER_01 |
| transcript.pyannote[24].start |
127.55534375 |
| transcript.pyannote[24].end |
127.67346875 |
| transcript.pyannote[25].speaker |
SPEAKER_01 |
| transcript.pyannote[25].start |
128.61846875 |
| transcript.pyannote[25].end |
129.05721875 |
| transcript.pyannote[26].speaker |
SPEAKER_01 |
| transcript.pyannote[26].start |
129.47909375 |
| transcript.pyannote[26].end |
129.86721875 |
| transcript.pyannote[27].speaker |
SPEAKER_01 |
| transcript.pyannote[27].start |
137.66346875 |
| transcript.pyannote[27].end |
138.15284375 |
| transcript.pyannote[28].speaker |
SPEAKER_00 |
| transcript.pyannote[28].start |
147.56909375 |
| transcript.pyannote[28].end |
148.31159375 |
| transcript.pyannote[29].speaker |
SPEAKER_00 |
| transcript.pyannote[29].start |
148.42971875 |
| transcript.pyannote[29].end |
154.08284375 |
| transcript.pyannote[30].speaker |
SPEAKER_00 |
| transcript.pyannote[30].start |
154.30221875 |
| transcript.pyannote[30].end |
156.88409375 |
| transcript.pyannote[31].speaker |
SPEAKER_00 |
| transcript.pyannote[31].start |
156.93471875 |
| transcript.pyannote[31].end |
164.49471875 |
| transcript.pyannote[32].speaker |
SPEAKER_01 |
| transcript.pyannote[32].start |
159.07784375 |
| transcript.pyannote[32].end |
159.53346875 |
| transcript.pyannote[33].speaker |
SPEAKER_01 |
| transcript.pyannote[33].start |
164.44409375 |
| transcript.pyannote[33].end |
169.10159375 |
| transcript.pyannote[34].speaker |
SPEAKER_00 |
| transcript.pyannote[34].start |
165.87846875 |
| transcript.pyannote[34].end |
177.45471875 |
| transcript.pyannote[35].speaker |
SPEAKER_01 |
| transcript.pyannote[35].start |
171.07596875 |
| transcript.pyannote[35].end |
171.36284375 |
| transcript.pyannote[36].speaker |
SPEAKER_01 |
| transcript.pyannote[36].start |
175.64909375 |
| transcript.pyannote[36].end |
176.07096875 |
| transcript.pyannote[37].speaker |
SPEAKER_01 |
| transcript.pyannote[37].start |
177.06659375 |
| transcript.pyannote[37].end |
180.42471875 |
| transcript.pyannote[38].speaker |
SPEAKER_01 |
| transcript.pyannote[38].start |
180.47534375 |
| transcript.pyannote[38].end |
188.03534375 |
| transcript.pyannote[39].speaker |
SPEAKER_00 |
| transcript.pyannote[39].start |
186.49971875 |
| transcript.pyannote[39].end |
191.62971875 |
| transcript.pyannote[40].speaker |
SPEAKER_01 |
| transcript.pyannote[40].start |
188.84534375 |
| transcript.pyannote[40].end |
194.29596875 |
| transcript.pyannote[41].speaker |
SPEAKER_00 |
| transcript.pyannote[41].start |
192.40596875 |
| transcript.pyannote[41].end |
192.87846875 |
| transcript.pyannote[42].speaker |
SPEAKER_00 |
| transcript.pyannote[42].start |
194.19471875 |
| transcript.pyannote[42].end |
196.64159375 |
| transcript.pyannote[43].speaker |
SPEAKER_01 |
| transcript.pyannote[43].start |
196.28721875 |
| transcript.pyannote[43].end |
228.95721875 |
| transcript.pyannote[44].speaker |
SPEAKER_01 |
| transcript.pyannote[44].start |
229.24409375 |
| transcript.pyannote[44].end |
240.56721875 |
| transcript.pyannote[45].speaker |
SPEAKER_00 |
| transcript.pyannote[45].start |
241.49534375 |
| transcript.pyannote[45].end |
267.04409375 |
| transcript.pyannote[46].speaker |
SPEAKER_01 |
| transcript.pyannote[46].start |
265.13721875 |
| transcript.pyannote[46].end |
268.79909375 |
| transcript.pyannote[47].speaker |
SPEAKER_00 |
| transcript.pyannote[47].start |
268.24221875 |
| transcript.pyannote[47].end |
268.64721875 |
| transcript.pyannote[48].speaker |
SPEAKER_00 |
| transcript.pyannote[48].start |
270.03096875 |
| transcript.pyannote[48].end |
282.01221875 |
| transcript.pyannote[49].speaker |
SPEAKER_01 |
| transcript.pyannote[49].start |
275.04284375 |
| transcript.pyannote[49].end |
275.31284375 |
| transcript.pyannote[50].speaker |
SPEAKER_00 |
| transcript.pyannote[50].start |
282.07971875 |
| transcript.pyannote[50].end |
300.60846875 |
| transcript.pyannote[51].speaker |
SPEAKER_01 |
| transcript.pyannote[51].start |
298.19534375 |
| transcript.pyannote[51].end |
298.58346875 |
| transcript.pyannote[52].speaker |
SPEAKER_01 |
| transcript.pyannote[52].start |
300.91221875 |
| transcript.pyannote[52].end |
301.78971875 |
| transcript.pyannote[53].speaker |
SPEAKER_01 |
| transcript.pyannote[53].start |
302.09346875 |
| transcript.pyannote[53].end |
308.50596875 |
| transcript.pyannote[54].speaker |
SPEAKER_01 |
| transcript.pyannote[54].start |
308.74221875 |
| transcript.pyannote[54].end |
340.45034375 |
| transcript.pyannote[55].speaker |
SPEAKER_00 |
| transcript.pyannote[55].start |
341.17596875 |
| transcript.pyannote[55].end |
364.32846875 |
| transcript.pyannote[56].speaker |
SPEAKER_01 |
| transcript.pyannote[56].start |
348.01034375 |
| transcript.pyannote[56].end |
349.66409375 |
| transcript.pyannote[57].speaker |
SPEAKER_01 |
| transcript.pyannote[57].start |
361.64534375 |
| transcript.pyannote[57].end |
367.82159375 |
| transcript.pyannote[58].speaker |
SPEAKER_00 |
| transcript.pyannote[58].start |
366.03284375 |
| transcript.pyannote[58].end |
376.88346875 |
| transcript.pyannote[59].speaker |
SPEAKER_01 |
| transcript.pyannote[59].start |
374.06534375 |
| transcript.pyannote[59].end |
374.50409375 |
| transcript.pyannote[60].speaker |
SPEAKER_01 |
| transcript.pyannote[60].start |
376.02284375 |
| transcript.pyannote[60].end |
382.48596875 |
| transcript.pyannote[61].speaker |
SPEAKER_00 |
| transcript.pyannote[61].start |
376.90034375 |
| transcript.pyannote[61].end |
376.91721875 |
| transcript.pyannote[62].speaker |
SPEAKER_00 |
| transcript.pyannote[62].start |
376.93409375 |
| transcript.pyannote[62].end |
378.67221875 |
| transcript.pyannote[63].speaker |
SPEAKER_01 |
| transcript.pyannote[63].start |
382.70534375 |
| transcript.pyannote[63].end |
383.63346875 |
| transcript.pyannote[64].speaker |
SPEAKER_00 |
| transcript.pyannote[64].start |
382.72221875 |
| transcript.pyannote[64].end |
386.80596875 |
| transcript.pyannote[65].speaker |
SPEAKER_01 |
| transcript.pyannote[65].start |
385.64159375 |
| transcript.pyannote[65].end |
396.07034375 |
| transcript.pyannote[66].speaker |
SPEAKER_00 |
| transcript.pyannote[66].start |
395.64846875 |
| transcript.pyannote[66].end |
400.23846875 |
| transcript.pyannote[67].speaker |
SPEAKER_01 |
| transcript.pyannote[67].start |
397.55534375 |
| transcript.pyannote[67].end |
398.43284375 |
| transcript.pyannote[68].speaker |
SPEAKER_01 |
| transcript.pyannote[68].start |
400.59284375 |
| transcript.pyannote[68].end |
404.82846875 |
| transcript.pyannote[69].speaker |
SPEAKER_00 |
| transcript.pyannote[69].start |
402.33096875 |
| transcript.pyannote[69].end |
404.57534375 |
| transcript.pyannote[70].speaker |
SPEAKER_00 |
| transcript.pyannote[70].start |
404.96346875 |
| transcript.pyannote[70].end |
410.29596875 |
| transcript.pyannote[71].speaker |
SPEAKER_01 |
| transcript.pyannote[71].start |
410.04284375 |
| transcript.pyannote[71].end |
417.78846875 |
| transcript.pyannote[72].speaker |
SPEAKER_01 |
| transcript.pyannote[72].start |
417.97409375 |
| transcript.pyannote[72].end |
420.35346875 |
| transcript.pyannote[73].speaker |
SPEAKER_01 |
| transcript.pyannote[73].start |
420.99471875 |
| transcript.pyannote[73].end |
423.22221875 |
| transcript.pyannote[74].speaker |
SPEAKER_01 |
| transcript.pyannote[74].start |
423.50909375 |
| transcript.pyannote[74].end |
425.33159375 |
| transcript.pyannote[75].speaker |
SPEAKER_01 |
| transcript.pyannote[75].start |
425.44971875 |
| transcript.pyannote[75].end |
427.72784375 |
| transcript.pyannote[76].speaker |
SPEAKER_01 |
| transcript.pyannote[76].start |
428.14971875 |
| transcript.pyannote[76].end |
428.28471875 |
| transcript.pyannote[77].speaker |
SPEAKER_01 |
| transcript.pyannote[77].start |
428.55471875 |
| transcript.pyannote[77].end |
431.08596875 |
| transcript.pyannote[78].speaker |
SPEAKER_01 |
| transcript.pyannote[78].start |
431.10284375 |
| transcript.pyannote[78].end |
431.17034375 |
| transcript.pyannote[79].speaker |
SPEAKER_01 |
| transcript.pyannote[79].start |
431.28846875 |
| transcript.pyannote[79].end |
439.48971875 |
| transcript.pyannote[80].speaker |
SPEAKER_00 |
| transcript.pyannote[80].start |
438.46034375 |
| transcript.pyannote[80].end |
442.07159375 |
| transcript.pyannote[81].speaker |
SPEAKER_01 |
| transcript.pyannote[81].start |
441.73409375 |
| transcript.pyannote[81].end |
446.12159375 |
| transcript.pyannote[82].speaker |
SPEAKER_01 |
| transcript.pyannote[82].start |
446.44221875 |
| transcript.pyannote[82].end |
447.52221875 |
| transcript.pyannote[83].speaker |
SPEAKER_01 |
| transcript.pyannote[83].start |
447.80909375 |
| transcript.pyannote[83].end |
449.53034375 |
| transcript.pyannote[84].speaker |
SPEAKER_01 |
| transcript.pyannote[84].start |
450.12096875 |
| transcript.pyannote[84].end |
453.52971875 |
| transcript.pyannote[85].speaker |
SPEAKER_01 |
| transcript.pyannote[85].start |
453.74909375 |
| transcript.pyannote[85].end |
454.89659375 |
| transcript.pyannote[86].speaker |
SPEAKER_00 |
| transcript.pyannote[86].start |
455.01471875 |
| transcript.pyannote[86].end |
456.48284375 |
| transcript.pyannote[87].speaker |
SPEAKER_01 |
| transcript.pyannote[87].start |
455.92596875 |
| transcript.pyannote[87].end |
459.04784375 |
| transcript.pyannote[88].speaker |
SPEAKER_00 |
| transcript.pyannote[88].start |
457.17471875 |
| transcript.pyannote[88].end |
457.84971875 |
| transcript.pyannote[89].speaker |
SPEAKER_00 |
| transcript.pyannote[89].start |
459.30096875 |
| transcript.pyannote[89].end |
463.85721875 |
| transcript.pyannote[90].speaker |
SPEAKER_00 |
| transcript.pyannote[90].start |
463.97534375 |
| transcript.pyannote[90].end |
464.02596875 |
| transcript.pyannote[91].speaker |
SPEAKER_00 |
| transcript.pyannote[91].start |
464.04284375 |
| transcript.pyannote[91].end |
469.47659375 |
| transcript.pyannote[92].speaker |
SPEAKER_01 |
| transcript.pyannote[92].start |
470.10096875 |
| transcript.pyannote[92].end |
471.78846875 |
| transcript.pyannote[93].speaker |
SPEAKER_01 |
| transcript.pyannote[93].start |
471.99096875 |
| transcript.pyannote[93].end |
485.84534375 |
| transcript.pyannote[94].speaker |
SPEAKER_00 |
| transcript.pyannote[94].start |
481.66034375 |
| transcript.pyannote[94].end |
482.33534375 |
| transcript.pyannote[95].speaker |
SPEAKER_01 |
| transcript.pyannote[95].start |
486.26721875 |
| transcript.pyannote[95].end |
491.16096875 |
| transcript.pyannote[96].speaker |
SPEAKER_01 |
| transcript.pyannote[96].start |
491.26221875 |
| transcript.pyannote[96].end |
498.67034375 |
| transcript.pyannote[97].speaker |
SPEAKER_01 |
| transcript.pyannote[97].start |
498.87284375 |
| transcript.pyannote[97].end |
505.26846875 |
| transcript.pyannote[98].speaker |
SPEAKER_01 |
| transcript.pyannote[98].start |
505.65659375 |
| transcript.pyannote[98].end |
506.85471875 |
| transcript.pyannote[99].speaker |
SPEAKER_01 |
| transcript.pyannote[99].start |
507.07409375 |
| transcript.pyannote[99].end |
516.32159375 |
| transcript.pyannote[100].speaker |
SPEAKER_01 |
| transcript.pyannote[100].start |
516.59159375 |
| transcript.pyannote[100].end |
521.18159375 |
| transcript.pyannote[101].speaker |
SPEAKER_01 |
| transcript.pyannote[101].start |
521.38409375 |
| transcript.pyannote[101].end |
522.61596875 |
| transcript.pyannote[102].speaker |
SPEAKER_01 |
| transcript.pyannote[102].start |
522.64971875 |
| transcript.pyannote[102].end |
525.28221875 |
| transcript.pyannote[103].speaker |
SPEAKER_01 |
| transcript.pyannote[103].start |
525.34971875 |
| transcript.pyannote[103].end |
530.14221875 |
| transcript.pyannote[104].speaker |
SPEAKER_01 |
| transcript.pyannote[104].start |
530.78346875 |
| transcript.pyannote[104].end |
531.25596875 |
| transcript.pyannote[105].speaker |
SPEAKER_01 |
| transcript.pyannote[105].start |
531.52596875 |
| transcript.pyannote[105].end |
532.84221875 |
| transcript.pyannote[106].speaker |
SPEAKER_01 |
| transcript.pyannote[106].start |
533.04471875 |
| transcript.pyannote[106].end |
534.58034375 |
| transcript.pyannote[107].speaker |
SPEAKER_01 |
| transcript.pyannote[107].start |
535.01909375 |
| transcript.pyannote[107].end |
539.92971875 |
| transcript.pyannote[108].speaker |
SPEAKER_00 |
| transcript.pyannote[108].start |
540.11534375 |
| transcript.pyannote[108].end |
547.01721875 |
| transcript.pyannote[109].speaker |
SPEAKER_00 |
| transcript.pyannote[109].start |
547.23659375 |
| transcript.pyannote[109].end |
556.19721875 |
| transcript.pyannote[110].speaker |
SPEAKER_01 |
| transcript.pyannote[110].start |
554.22284375 |
| transcript.pyannote[110].end |
554.91471875 |
| transcript.pyannote[111].speaker |
SPEAKER_01 |
| transcript.pyannote[111].start |
555.94409375 |
| transcript.pyannote[111].end |
558.91409375 |
| transcript.pyannote[112].speaker |
SPEAKER_00 |
| transcript.pyannote[112].start |
558.77909375 |
| transcript.pyannote[112].end |
558.98159375 |
| transcript.pyannote[113].speaker |
SPEAKER_01 |
| transcript.pyannote[113].start |
558.94784375 |
| transcript.pyannote[113].end |
568.90409375 |
| transcript.pyannote[114].speaker |
SPEAKER_00 |
| transcript.pyannote[114].start |
559.01534375 |
| transcript.pyannote[114].end |
559.08284375 |
| transcript.pyannote[115].speaker |
SPEAKER_00 |
| transcript.pyannote[115].start |
569.14034375 |
| transcript.pyannote[115].end |
571.40159375 |
| transcript.pyannote[116].speaker |
SPEAKER_01 |
| transcript.pyannote[116].start |
569.91659375 |
| transcript.pyannote[116].end |
571.18221875 |
| transcript.pyannote[117].speaker |
SPEAKER_01 |
| transcript.pyannote[117].start |
571.40159375 |
| transcript.pyannote[117].end |
571.68846875 |
| transcript.pyannote[118].speaker |
SPEAKER_01 |
| transcript.pyannote[118].start |
574.01721875 |
| transcript.pyannote[118].end |
575.24909375 |
| transcript.pyannote[119].speaker |
SPEAKER_01 |
| transcript.pyannote[119].start |
575.53596875 |
| transcript.pyannote[119].end |
578.26971875 |
| transcript.whisperx[0].start |
0.069 |
| transcript.whisperx[0].end |
24.589 |
| transcript.whisperx[0].text |
宣布莊部長委員好部長好這個月營收盒20萬以下的小吃店這個超過20萬118年期要開發票的這個議題那現在網路上討論得沸沸揚揚那我們的次長有出面說明說是否所有的小吃店每月營養額超過20萬 |
| transcript.whisperx[1].start |
25.61 |
| transcript.whisperx[1].end |
47.217 |
| transcript.whisperx[1].text |
全面開立統一發票財政部會先觀察行動支付這個結帳系統導入的狀況還有店家的作業流暢度再加上各界意見之後評估那其實小市店開立成本這種紙張成本是不方便那不管它金額高低如果真的要全面開立統一發票 |
| transcript.whisperx[2].start |
49.638 |
| transcript.whisperx[2].end |
70.274 |
| transcript.whisperx[2].text |
這個營業稅5%那一個月營業額20萬那就馬上就會從原本的這個5000塊拉高到25000塊那營業稅這個馬上增加只能透過這個漲菜品的價格來提高三成來應對這個額外的稅收那所以其實現在小吃店不便宜 |
| transcript.whisperx[3].start |
71.643 |
| transcript.whisperx[3].end |
97.719 |
| transcript.whisperx[3].text |
但是台灣引以為傲的我們這些小吃店的業者吸引了很多各界的觀光人士 國外的人士也很多那如果本來就不便宜的小吃攤全面在因為吸收我們這些這個營業稅然後提高菜價 提高單價那會影響到我們整體的一個觀光的一個這樣子的一個全面的衝擊部長你有沒有考慮到這個層面 |
| transcript.whisperx[4].start |
99.619 |
| transcript.whisperx[4].end |
112.886 |
| transcript.whisperx[4].text |
我知道我們台灣的小吃美食是許多人觀光客來台灣的一個吸引力那對於發票的這個部分我們已經做了很詳細說明就是20萬以下維持並沒有要求要開發票並沒有要把開那20萬以上我們鼓勵導入行動支付或者是用多媒體諮詢服務機 |
| transcript.whisperx[5].start |
122.031 |
| transcript.whisperx[5].end |
125.135 |
| transcript.whisperx[5].text |
來做這個結帳收費也避免就是說又備餐又去找錢這樣的一個衛生的情況那我們導入行動支付以及用那個多媒體資訊服務其實事實上對觀光客來說是更為方便除了美食之外然後在付款上更為走向一個數位化的一個時代我覺得是 |
| transcript.whisperx[6].start |
142.054 |
| transcript.whisperx[6].end |
146.675 |
| transcript.whisperx[6].text |
更具有一個吸引力那在這個時間呢我們用三年時間來輔導我們這些小吃小吃店能夠走向這樣的一個方向那所以在這個期間我們還是雖然超過20萬還是免開發票然後有1%的營業稅我想主要的政策目的是這樣那在屆期之前我們會再做通盤的檢討跟評估看看推動的一個情形 |
| transcript.whisperx[7].start |
164.5 |
| transcript.whisperx[7].end |
179.686 |
| transcript.whisperx[7].text |
就寬限期3年嘛到118年就從1%拉高到5%然後當然我們也會邀請經濟部一起來然後協助我們這些小店家能夠導入這個行動支付的一些基礎部長我建議就是說政策想好了確定了 |
| transcript.whisperx[8].start |
180.706 |
| transcript.whisperx[8].end |
187.712 |
| transcript.whisperx[8].text |
再來公佈然後再來就是溝通公佈但是不要說你現在說了再說也許我們說明上應該更清楚對 但是這樣會反效果啦會讓人民無所適從他們會擔憂會緊張嘛我們在說明上要更詳細一點 |
| transcript.whisperx[9].start |
197.581 |
| transcript.whisperx[9].end |
220.376 |
| transcript.whisperx[9].text |
接下來再請教新青安的問題新青安在7月底要落日現在傳出說銀行端建議說如果實施2.0他們覺得應該要取消利息補貼然後縮短寬限期在外傳新版的新青安是會朝向利率水準至少在2.3%以上寬限期降低改為3年 |
| transcript.whisperx[10].start |
221.477 |
| transcript.whisperx[10].end |
240.205 |
| transcript.whisperx[10].text |
那層數最高還是八成不變但是另外會加入八零條款那這幾項大原則那目前財政部討論方向是不是也這樣子跟這個外界在傳的一樣那是不是原則上確定會有新簽案2.0只是目前內容還在做修訂 |
| transcript.whisperx[11].start |
241.564 |
| transcript.whisperx[11].end |
245.605 |
| transcript.whisperx[11].text |
跟委員報告新清安從112年8月到今年7月要屆期那後續的推動方向呢我們在聽取各界的意見包含寬限期或者是貸款年限以及最高額度等等或年齡並沒有一個定案所以各位在媒體上看到的並不是定案的大家就在那邊說我也不知道但是還是2.08月就會上路了嗎對不對 |
| transcript.whisperx[12].start |
270.24 |
| transcript.whisperx[12].end |
287.668 |
| transcript.whisperx[12].text |
財政部會聽取各界的意見以後我們已經開了兩次邀請相關部會來討論所以我們會整體再來評估包含房市的供需金融市場還有民眾需求新清安貸款的成效還有政府收支財源的運用以及公股銀行資金成本等等多個面向來做綜合討論我們會擬出方案報請行政院核定 |
| transcript.whisperx[13].start |
292.11 |
| transcript.whisperx[13].end |
317.287 |
| transcript.whisperx[13].text |
當訂案以後我們一定會對外界來做說明當外界的意見我們也在這段期間再收集然後再仔細的然後再納入考量這樣子對啊所以說我們新青康五年的寬限期所以第一批上車的在2023年上車的這個族群在2028年就迎來這個還本高峰從月付金原本的1.8萬然後呢直接翻倍4萬以上 |
| transcript.whisperx[14].start |
318.288 |
| transcript.whisperx[14].end |
339.522 |
| transcript.whisperx[14].text |
那如果到時候經濟環境波動還是說失業率上升這群青年族群將成為金融體系的潛在未爆蛋所以我想請教部長對於這個部分有沒有預見過度這個所謂的寬限期所導致的一個過度寬限所導致的信用風險會不會現在已經預見了 |
| transcript.whisperx[15].start |
341.22 |
| transcript.whisperx[15].end |
363.951 |
| transcript.whisperx[15].text |
我們銀行在辦理這個貸款的時候事實上都根據五批原則還有就個案來審慎何以適當的一個寬限期所以您說五年的話事實上目前來說是用五年寬限期的只有四分之一四分之三的都沒有用到五年寬限期甚至有49%它都沒有運用寬限期四分之一那我們總貸件數是超過15萬件 |
| transcript.whisperx[16].start |
366.693 |
| transcript.whisperx[16].end |
378.664 |
| transcript.whisperx[16].text |
15萬件那事實上還有49%他並沒有用寬限期那用三年以內的也佔了四分之一當然我想這個部分大家其實都會珍惜買到這個款式意思是說有超過6萬件2028年就會遇到這個還款高峰期 |
| transcript.whisperx[17].start |
382.748 |
| transcript.whisperx[17].end |
389.113 |
| transcript.whisperx[17].text |
那在這段寬限期也可以還本我們這個2.0的部分就是有考慮到就是已經預見這個部分因為寬限期過度導致的這些風險所以才把它緊縮嘛沒有要說要緊縮這個我們並沒有定案但是就是考慮這麼做嘛所以你沒有否定啊 |
| transcript.whisperx[18].start |
405.026 |
| transcript.whisperx[18].end |
420.126 |
| transcript.whisperx[18].text |
那其實銀行在貸款的時候就已經在審核的時候已經納入考量了不是 你那個72支2條已經放寬了所以銀行不能夠再以額度不足的理由來拒絕申貸嘛那放寬了申貸之後 |
| transcript.whisperx[19].start |
421.047 |
| transcript.whisperx[19].end |
449.243 |
| transcript.whisperx[19].text |
可是你縮短了寬限期所以這個就表示說財政部已經看到了過這個寬限期造成市場市場過度投機的一個副作用所以才會來做這個修正那再來再請教還沒有定案不是 那再請教一下因為普遍預期說7月就是8月份2.0會上路那是不是在8月之前 |
| transcript.whisperx[20].start |
450.483 |
| transcript.whisperx[20].end |
468.85 |
| transcript.whisperx[20].text |
會再引起一波搶搭木班車的非理性的購物潮其實我們看這幾個月有沒有去預估就是說就這個防範這幾個月其實整個的數量並沒有所謂有暴增情形因為最高量大概在113年的7月8月的時候是最高 |
| transcript.whisperx[21].start |
470.428 |
| transcript.whisperx[21].end |
495.826 |
| transcript.whisperx[21].text |
所以我們現在才問你說有沒有這種情況那如何預防如果有這種可能發生的一個搶袋草要怎麼處理新疆政策確實是讓年輕人他得以進場購屋但是同時也在市場上釋放出釋放出這種更強烈的購買需求所以進一步的推高房價當補貼轉化 |
| transcript.whisperx[22].start |
499.668 |
| transcript.whisperx[22].end |
515.396 |
| transcript.whisperx[22].text |
為房價上漲的一個動能那實際受益的就往往不是這些購屋者而是持有資產的這一方那財政部是否有進行量化評估說新青安所帶動的房價漲幅是否已經明顯高於政府提供的利息補貼總額 |
| transcript.whisperx[23].start |
516.653 |
| transcript.whisperx[23].end |
539.383 |
| transcript.whisperx[23].text |
那如果假設補貼的效果被價格上漲完全抵消掉那甚至於讓整體購屋門檻進一步的推高那這個政策在實質上反而成為推高房價的工具不是降低居住負擔的手段部長我們的最終目的就是要降低居住負擔是不是這樣子 |
| transcript.whisperx[24].start |
540.171 |
| transcript.whisperx[24].end |
546.624 |
| transcript.whisperx[24].text |
我們在推動的時候我們希望沒有自住房屋的人可以購買房屋然後減輕他的一個負擔 |
| transcript.whisperx[25].start |
547.544 |
| transcript.whisperx[25].end |
570.143 |
| transcript.whisperx[25].text |
這目標是這樣那剛剛委員所提的一些建議在推動過程當中我們也不斷地在做檢討精進做一些調整就是要讓居住成為可負擔的基本需求這是我們最終的目的所以不是只是短期的一個政治承諾還是說怎麼樣就是應該要成為長期可持續的一個制度安排好不好 部長是 謝謝委員的建議 |
| transcript.whisperx[26].start |
574.798 |
| transcript.whisperx[26].end |
577.625 |
| transcript.whisperx[26].text |
謝謝嚴委員 在下一位諮詢人請王宏威委員諮詢 |