iVOD / 170666

本逐字稿內容由 AI 自動生成,可能包含錯誤、遺漏或誤譯之處。請使用者務必與原始影片音訊內容交叉比對,以確保資訊正確性。另可參考立法院日後釋出的正式公報以取得最終權威版本。

王世堅 @ 第11屆第5會期財政委員會第23次全體委員會議

Start Time End Time Text
00:00:00,000 00:00:09,000 謝謝主席 我請財政部莊部長
00:00:09,000 00:00:15,000 委員好
00:00:15,000 00:00:19,000 部長你辛苦了 我今天兩個問題
00:00:19,000 00:00:24,000 第一個問題就是關於國票金控
00:00:24,000 00:00:31,000 國票金控是我們所有公民營金控當中
00:00:31,000 00:00:34,000 規模最小的一個
00:00:34,000 00:00:41,000 規模不但最小 它獲利也最低
00:00:41,000 00:00:48,000 但是它卻有著很奇怪的這種不當的這種人事開銷
00:00:48,000 00:00:53,000 就是說它竟然設有副董事長
00:00:53,000 00:00:59,000 而這位副董事長年薪還高達兩千萬
00:00:59,000 00:01:05,000 部長 我曾經問過說我們公股的金控
00:01:05,000 00:01:11,000 不管是台銀金 兆豐金 合庫金 第一金 華南金
00:01:11,000 00:01:14,000 人家他們的董事長
00:01:14,000 00:01:20,000 像台灣一彎金控 台銀金
00:01:20,000 00:01:23,000 董事長年薪才三百萬
00:01:23,000 00:01:27,000 就即便是第一金 華南金
00:01:27,000 00:01:32,000 人家也是大概三百萬到五百萬
00:01:32,000 00:01:36,000 而這個最小的國票金
00:01:36,000 00:01:42,000 還不是董事長喔 光副董事長就年薪兩千萬
00:01:42,000 00:01:44,000 這不是很奇怪嗎
00:01:44,000 00:01:53,000 更何況 更大的 更獲利 更高的這些大金控
00:01:53,000 00:01:58,000 都沒有設副董事長
00:01:58,000 00:02:04,000 偏偏全國公民營裡面最小的這一個
00:02:04,000 00:02:07,000 它獨獨只有它設副董事長
00:02:07,000 00:02:10,000 那你們給我的答覆是說
00:02:10,000 00:02:11,000 另外還有一個問題
00:02:11,000 00:02:13,000 還有一個問題 我就說
00:02:13,000 00:02:16,000 我們長年持有國票金
00:02:16,000 00:02:19,000 我們的股份也高過民股 是不是
00:02:19,000 00:02:22,000 要不然這樣 為了整頓它
00:02:22,000 00:02:29,000 那是不是我們公股來併掉整個國票金
00:02:29,000 00:02:34,000 那你們的答覆也是說 沒有那個計畫 沒有那個什麼
00:02:34,000 00:02:36,000 你們的答覆很簡單
00:02:36,000 00:02:37,000 你們的答覆我說
00:02:37,000 00:02:45,000 因為這個國票金非本部直屬投資事業
00:02:45,000 00:02:46,000 你就答覆說
00:02:46,000 00:02:49,000 這個不是你們直屬的投資事業
00:02:49,000 00:02:53,000 那怎麼辦 不是你直屬的投資事業
00:02:53,000 00:02:59,000 但是是由你財政部旗下的這些公股行庫
00:02:59,000 00:03:01,000 他們去持有這些股份啊
00:03:01,000 00:03:04,000 那就是當初買這些股份而已
00:03:04,000 00:03:07,000 買來不想要買什麼意思
00:03:07,000 00:03:10,000 然後現在我們股份也那麼大了
00:03:10,000 00:03:14,000 把它收回自己管 你們也不肯
00:03:14,000 00:03:16,000 那這不是很奇怪嗎
00:03:16,000 00:03:17,000 所以我首先問你就是說
00:03:17,000 00:03:20,000 為什麼要設副董事長
00:03:20,000 00:03:23,000 為什麼這麼高薪
00:03:23,000 00:03:25,000 其他金公都沒有啊
00:03:25,000 00:03:27,000 就只有它有
00:03:27,000 00:03:29,000 這不是很奇怪嗎
00:03:29,000 00:03:31,000 而且聘了這一位
00:03:31,000 00:03:36,000 並不是什麼有名的說財經學者專業的
00:03:36,000 00:03:38,000 多麼不是
00:03:38,000 00:03:41,000 竟然是
00:03:41,000 00:03:42,000 這個我就不提
00:03:42,000 00:03:46,000 那你的看法呢
00:03:46,000 00:03:47,000 跟委員報告
00:03:47,000 00:03:49,000 有關國票金控
00:03:49,000 00:03:51,000 它有關副董事長的一個設置
00:03:51,000 00:03:53,000 第一個它在章程裡面
00:03:53,000 00:03:55,000 本身就有說
00:03:55,000 00:03:57,000 Bios的設置副董事長
00:03:57,000 00:03:58,000 這個部分
00:03:58,000 00:03:59,000 然後它選任方式
00:03:59,000 00:04:01,000 也要必須依照公司法的規定
00:04:01,000 00:04:03,000 我想這個部分在章程裡面
00:04:03,000 00:04:05,000 本身它必須有相關的規範
00:04:05,000 00:04:08,000 第二個國票金是從100年開始
00:04:08,000 00:04:10,000 它就根據章程設有副董事長
00:04:10,000 00:04:12,000 而這一任的副董事長
00:04:12,000 00:04:14,000 當時的一些設置
00:04:14,000 00:04:15,000 也是經過他們公司
00:04:15,000 00:04:17,000 依照公司法的規定
00:04:17,000 00:04:20,000 經過相關的程序以後完成的
00:04:20,000 00:04:22,000 我想這個是他們公司
00:04:22,000 00:04:25,000 它現在是由我們公股在掌控的
00:04:25,000 00:04:27,000 那這個所謂的人事章程
00:04:27,000 00:04:29,000 不能更改嗎
00:04:29,000 00:04:31,000 有公股也有民股是共治的
00:04:31,000 00:04:33,000 我想這個國票金裡面
00:04:33,000 00:04:35,000 不是全部都是公股
00:04:35,000 00:04:36,000 也還有民股
00:04:36,000 00:04:39,000 但是我們公股在控制不是嗎
00:04:39,000 00:04:41,000 這裡面還有民股
00:04:41,000 00:04:43,000 那都沒辦法去更改嗎
00:04:43,000 00:04:45,000 我想這個部分目前是這樣
00:04:45,000 00:04:47,000 那後續當然會
00:04:47,000 00:04:49,000 根據他們公司經營策略的規劃
00:04:49,000 00:04:51,000 後續如果他們以公司治理的
00:04:51,000 00:04:53,000 一個規範去做處理
00:04:53,000 00:04:55,000 好吧
00:04:55,000 00:04:57,000 你說請
00:04:57,000 00:04:59,000 你就是要求他們去改善嗎
00:04:59,000 00:05:01,000 不是嗎
00:05:01,000 00:05:03,000 那要多久吧
00:05:03,000 00:05:05,000 要多久可以解決這個問題
00:05:05,000 00:05:07,000 另外我們是不是請
00:05:07,000 00:05:09,000 我們持有股份
00:05:09,000 00:05:11,000 我們像公股的兆豐金第一金
00:05:11,000 00:05:13,000 看他們願不願意來
00:05:13,000 00:05:15,000 併掉這個國票金
00:05:15,000 00:05:17,000 它有很多確實是需要
00:05:19,000 00:05:21,000 更有能力
00:05:21,000 00:05:23,000 像我們公股有這麼多
00:05:23,000 00:05:25,000 有能力的經營的那麼好的
00:05:25,000 00:05:27,000 那個
00:05:27,000 00:05:29,000 台銀金控
00:05:29,000 00:05:31,000 也可以啊
00:05:31,000 00:05:33,000 不是嗎
00:05:33,000 00:05:35,000 你看法呢
00:05:35,000 00:05:37,000 我想謝謝
00:05:37,000 00:05:39,000 當然這個公司
00:05:39,000 00:05:41,000 應該要提升
00:05:41,000 00:05:43,000 第一個要把他的公司治理
00:05:43,000 00:05:45,000 上軌道然後要提升他的
00:05:45,000 00:05:47,000 一個經營績效
00:05:47,000 00:05:49,000 那我想這個部分應該要先
00:05:49,000 00:05:51,000 去推動的
00:05:51,000 00:05:53,000 然後後續的下一步呢
00:05:53,000 00:05:55,000 我們當然要兼顧到所謂的相關的法規
00:05:55,000 00:05:57,000 市場的機制
00:05:57,000 00:05:59,000 還有員工的權益都必須要去考慮到
00:05:59,000 00:06:01,000 那我想委員這個建議
00:06:01,000 00:06:03,000 我們也會納入演繹
00:06:03,000 00:06:05,000 然後另外我想我跟委員報告
00:06:05,000 00:06:07,000 其實在公股的部分提升
00:06:07,000 00:06:09,000 經營績效我們目前來說
00:06:09,000 00:06:11,000 有釋迦金控的投信會在
00:06:11,000 00:06:13,000 已經在推動所謂的
00:06:13,000 00:06:15,000 我們把它合併然後併為
00:06:15,000 00:06:17,000 一個然後讓這個市場的
00:06:17,000 00:06:19,000 規模可以更大
00:06:19,000 00:06:21,000 那現在這個公司在做推動的
00:06:21,000 00:06:23,000 那國票金未來我們先把公司治理
00:06:23,000 00:06:25,000 讓上軌道然後提升他的營運績效
00:06:25,000 00:06:27,000
00:06:27,000 00:06:29,000 一併考量啦
00:06:29,000 00:06:31,000 因為國票金
00:06:31,000 00:06:33,000 還有其他出的狀況
00:06:33,000 00:06:35,000 我今天是來不及
00:06:35,000 00:06:37,000 敘述
00:06:37,000 00:06:39,000 那我覺得乾脆避其公於一意
00:06:39,000 00:06:41,000 那就是由
00:06:41,000 00:06:43,000 我們找我們公股的行戶
00:06:43,000 00:06:45,000 既然我們現在股份
00:06:45,000 00:06:47,000 已經高於民股
00:06:47,000 00:06:49,000 那乾脆就由我們把它合併
00:06:49,000 00:06:51,000 因為很清楚當初
00:06:51,000 00:06:53,000 副董事長這樣的職務
00:06:53,000 00:06:55,000 完全是
00:06:55,000 00:06:57,000 百分之百的酬庸
00:06:57,000 00:06:59,000 他的工作只有是
00:06:59,000 00:07:01,000 董事長因故不能執行職務
00:07:01,000 00:07:03,000 那個副董事長來代理
00:07:03,000 00:07:05,000 那麼
00:07:05,000 00:07:07,000 舉凡那麼多年的經營
00:07:07,000 00:07:09,000 裡面那董事長
00:07:09,000 00:07:11,000 不能視察實務那個事實上
00:07:11,000 00:07:13,000 根本沒幾次
00:07:13,000 00:07:15,000 而且台北市就
00:07:15,000 00:07:17,000 這麼一丁點大他公司就在
00:07:17,000 00:07:19,000 台北市有什麼
00:07:19,000 00:07:21,000 需要說副董事長代轉
00:07:21,000 00:07:23,000 給董事長的然後年薪
00:07:23,000 00:07:25,000 是兩千萬這看在
00:07:25,000 00:07:27,000 所有不管是公營行戶
00:07:27,000 00:07:29,000 民營行戶
00:07:29,000 00:07:31,000 裡面這個都不成提統
00:07:31,000 00:07:33,000 好不好
00:07:33,000 00:07:35,000 謝謝謝謝我不能說
00:07:35,000 00:07:37,000 這個不是你們直屬的
00:07:37,000 00:07:39,000 這個投資不能這樣
00:07:39,000 00:07:41,000 因為他畢竟
00:07:41,000 00:07:43,000 他畢竟是你
00:07:43,000 00:07:45,000 旗下公股行戶
00:07:45,000 00:07:47,000 他們去持股的好不好
00:07:47,000 00:07:49,000 我們會積極的
00:07:49,000 00:07:51,000 我們時間內就要迎來
00:07:51,000 00:07:53,000 現在新青安
00:07:53,000 00:07:55,000 的3.0版然後
00:07:55,000 00:07:57,000 這是非常好的一件事情
00:07:57,000 00:07:59,000 我看民間
00:07:59,000 00:08:01,000 那個很多民間
00:08:01,000 00:08:03,000 要購屋者他們都
00:08:03,000 00:08:05,000 因應期盼尤其是青年
00:08:05,000 00:08:07,000 購屋族啦不過這個
00:08:07,000 00:08:09,000 部長
00:08:09,000 00:08:11,000 我們在限制說
00:08:11,000 00:08:13,000 青安貸款
00:08:13,000 00:08:15,000 現在額度一樣就是一千萬
00:08:15,000 00:08:17,000 那我們有加分玉宅加兩百萬
00:08:17,000 00:08:19,000 那玉兒宅
00:08:19,000 00:08:21,000 可以到一千五百萬
00:08:21,000 00:08:23,000 但是
00:08:23,000 00:08:25,000 在台北市的部分
00:08:25,000 00:08:27,000 我覺得有這兩個問題
00:08:27,000 00:08:29,000 滿傷腦筋的啦就是說
00:08:29,000 00:08:31,000 你所得上限
00:08:31,000 00:08:33,000 那你限
00:08:33,000 00:08:35,000 兩百萬
00:08:35,000 00:08:37,000 還有我們貸款的
00:08:37,000 00:08:39,000 總額度雖然有
00:08:39,000 00:08:41,000 越高於其他縣市
00:08:41,000 00:08:43,000 但是台北市的
00:08:43,000 00:08:45,000 房價
00:08:45,000 00:08:47,000 那麼待會您可以看列出來的
00:08:47,000 00:08:49,000 很多的地方多數地方
00:08:49,000 00:08:51,000 平均價格幾乎
00:08:51,000 00:08:53,000 是外縣市的
00:08:53,000 00:08:55,000 兩倍甚至是
00:08:55,000 00:08:57,000 中南部的三倍之多
00:08:57,000 00:08:59,000 你看
00:08:59,000 00:09:01,000 六都房屋
00:09:01,000 00:09:03,000 每坪成交價
00:09:03,000 00:09:05,000 不管新舊屋平均下來
00:09:05,000 00:09:07,000 台北市是81萬8
00:09:07,000 00:09:09,000 新北市45萬2
00:09:11,000 00:09:13,000 等於將近兩倍之高
00:09:13,000 00:09:15,000 那如果說跟
00:09:15,000 00:09:17,000 桃園台中
00:09:17,000 00:09:19,000 相比
00:09:19,000 00:09:21,000 那等於是將近三倍
00:09:21,000 00:09:23,000 所以那你
00:09:23,000 00:09:25,000 增加給他能夠的貸款的額度
00:09:25,000 00:09:27,000 就多那麼一點點
00:09:27,000 00:09:29,000 那這個額度是不是
00:09:29,000 00:09:31,000 可以適度再提高
00:09:31,000 00:09:33,000 否則同樣的
00:09:33,000 00:09:35,000 額度
00:09:35,000 00:09:37,000 同樣你們設限
00:09:37,000 00:09:39,000 貸款的總金額
00:09:39,000 00:09:41,000 那麼在台北買的
00:09:41,000 00:09:43,000 大概就是只能買個小套房
00:09:43,000 00:09:45,000 沒辦法家裡
00:09:45,000 00:09:47,000 別說三代同堂了啦
00:09:47,000 00:09:49,000 要這個生兒育兒
00:09:49,000 00:09:51,000 兩代住一起都困難
00:09:51,000 00:09:53,000 那另外一點就是說
00:09:53,000 00:09:55,000 關於婚禦宅
00:09:55,000 00:09:57,000 你們有增加
00:09:57,000 00:09:59,000 他200萬的額度
00:09:59,000 00:10:01,000 貸款額度
00:10:01,000 00:10:03,000 那育兒宅增加到500萬
00:10:03,000 00:10:05,000 又增加300萬
00:10:05,000 00:10:07,000 但是
00:10:07,000 00:10:09,000 寬限期啦
00:10:09,000 00:10:11,000 我們就指
00:10:11,000 00:10:13,000 比方說我們比方一對
00:10:13,000 00:10:15,000 年輕的夫妻要結婚
00:10:15,000 00:10:17,000 他來買這樣子的
00:10:17,000 00:10:19,000 育兒宅
00:10:19,000 00:10:21,000 以這個名義來買
00:10:21,000 00:10:23,000 新婚那一年
00:10:23,000 00:10:25,000 懷孕生小孩
00:10:25,000 00:10:27,000 那小孩六歲
00:10:27,000 00:10:29,000 以前最需要照顧
00:10:29,000 00:10:31,000 花費也最多這樣加
00:10:31,000 00:10:33,000 加起來也要七年啊
00:10:33,000 00:10:35,000 所以我認為說
00:10:35,000 00:10:37,000 我們如果硬性
00:10:37,000 00:10:39,000 規定只能五年
00:10:39,000 00:10:41,000 比照一般都是五年
00:10:41,000 00:10:43,000 我們將是為得不足啦
00:10:43,000 00:10:45,000 所以我認為說
00:10:45,000 00:10:47,000 就不差那麼一點
00:10:47,000 00:10:49,000 應該真正要育兒的
00:10:49,000 00:10:51,000 新婚夫妻
00:10:51,000 00:10:53,000 是不是我們應該放寬
00:10:53,000 00:10:55,000 這個寬限期
00:10:55,000 00:10:57,000 把五年再放寬兩年
00:10:57,000 00:10:59,000 因為這是比較
00:10:59,000 00:11:01,000 現在我們少子化
00:11:01,000 00:11:03,000 已經少子化到
00:11:03,000 00:11:05,000 非常嚴重的國安問題啦
00:11:05,000 00:11:07,000 好不好
00:11:07,000 00:11:09,000 指教
00:11:09,000 00:11:11,000 我想這個我們3.0是經過多次會議
00:11:11,000 00:11:13,000 討論結果
00:11:13,000 00:11:15,000 那您剛剛提到婚育宅的寬限期
00:11:15,000 00:11:17,000 我想剛剛
00:11:17,000 00:11:19,000 我們也提到就是說其實對於
00:11:19,000 00:11:21,000 少子化這個問題政府是整套
00:11:21,000 00:11:23,000 政策在做的
00:11:23,000 00:11:25,000 所以我們有一個人口對策的新戰略
00:11:25,000 00:11:27,000 裡面包含對育兒家庭的公托
00:11:27,000 00:11:29,000 然後托育補助育兒補助
00:11:29,000 00:11:31,000 以及成長經貼
00:11:31,000 00:11:33,000 是有許多用現金直接給予補助的
00:11:33,000 00:11:35,000 好我想這個部分
00:11:35,000 00:11:37,000 可以強化他們的
00:11:37,000 00:11:39,000 你回去好好研究
00:11:39,000 00:11:41,000 差那兩年差非常多
00:11:41,000 00:11:43,000 這個也要考慮他們的
00:11:43,000 00:11:45,000 如果
00:11:45,000 00:11:47,000 有辦法團圍審核條件
00:11:47,000 00:11:49,000 來貸款到的
00:11:49,000 00:11:51,000 他們也都有
00:11:51,000 00:11:53,000 償還能力
00:11:53,000 00:11:55,000 不差那兩年的寬限期
00:11:55,000 00:11:57,000 好請財政部
00:11:57,000 00:11:59,000 研究完之後再跟王委員
00:11:59,000 00:12:01,000 書面報告
00:12:01,000 00:12:03,000 我們也書面報告謝謝委員指教
00:12:03,000 00:12:05,000 下一位
00:12:05,000 00:12:07,000 請羅明財委員諮詢