| IVOD_ID |
170924 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/170924 |
| 日期 |
2026-08-12 |
| 影片種類 |
Clip |
| 開始時間 |
2026-08-12T09:38:12+08:00 |
| 結束時間 |
2026-08-12T09:43:33+08:00 |
| 影片長度 |
00:05:21 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/628bd009efdbf44bbb5f0093e7c0979fc520e45a4128cfe7e2de51d9bd945587741abac731c48f905ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
劉書彬 |
| 委員發言時間 |
09:38:12 - 09:43:33 |
| 會議時間 |
2026-08-12T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第5會期財政委員會第4次公聽會(事由:召開「財政部所屬泛公股金融機構,面對當前激烈競爭環境,如何擬訂泛公股合併之短中程策略與實施計畫」公聽會) |
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| transcript.whisperx[0].start |
0 |
| transcript.whisperx[0].end |
7 |
| transcript.whisperx[0].text |
主席 各位學者專家 各位政府官員 大家早安 |
| transcript.whisperx[1].start |
7 |
| transcript.whisperx[1].end |
12 |
| transcript.whisperx[1].text |
今天討論泛公股 金融機構合併的問題 |
| transcript.whisperx[2].start |
12 |
| transcript.whisperx[2].end |
16 |
| transcript.whisperx[2].text |
我認為不能只問要不要公共併 |
| transcript.whisperx[3].start |
16 |
| transcript.whisperx[3].end |
21 |
| transcript.whisperx[3].text |
更要先問財政部到底準備如何治理泛公股 |
| transcript.whisperx[4].start |
21 |
| transcript.whisperx[4].end |
25 |
| transcript.whisperx[4].text |
國票金就是最好的試金石 |
| transcript.whisperx[5].start |
25 |
| transcript.whisperx[5].end |
28 |
| transcript.whisperx[5].text |
今年五月 國票金董事改選 |
| transcript.whisperx[6].start |
28 |
| transcript.whisperx[6].end |
32 |
| transcript.whisperx[6].text |
十五席董事當中 公股取得八席 |
| transcript.whisperx[7].start |
32 |
| transcript.whisperx[7].end |
34 |
| transcript.whisperx[7].text |
正式掌握經營主導權 |
| transcript.whisperx[8].start |
34 |
| transcript.whisperx[8].end |
41 |
| transcript.whisperx[8].text |
這也是台灣少見由民營金控轉為泛公股主導的案例 |
| transcript.whisperx[9].start |
41 |
| transcript.whisperx[9].end |
45 |
| transcript.whisperx[9].text |
問題是 公股拿到經營權以後 |
| transcript.whisperx[10].start |
45 |
| transcript.whisperx[10].end |
50 |
| transcript.whisperx[10].text |
我們看到的是改革還是延續過去的利益繼續呢 |
| transcript.whisperx[11].start |
50 |
| transcript.whisperx[11].end |
56 |
| transcript.whisperx[11].text |
國票金在國內金控當中規模相對是小的 |
| transcript.whisperx[12].start |
56 |
| transcript.whisperx[12].end |
62 |
| transcript.whisperx[12].text |
又缺乏最重要的商業銀行這一塊的拼圖 |
| transcript.whisperx[13].start |
62 |
| transcript.whisperx[13].end |
65 |
| transcript.whisperx[13].text |
長期受到發展限制 |
| transcript.whisperx[14].start |
65 |
| transcript.whisperx[14].end |
70 |
| transcript.whisperx[14].text |
過去曾經推動併購安泰銀行 最後沒有成功 |
| transcript.whisperx[15].start |
70 |
| transcript.whisperx[15].end |
73 |
| transcript.whisperx[15].text |
如今公股取得主導權 |
| transcript.whisperx[16].start |
73 |
| transcript.whisperx[16].end |
79 |
| transcript.whisperx[16].text |
現在應該是重新檢討公司治理改善治理的時機了 |
| transcript.whisperx[17].start |
79 |
| transcript.whisperx[17].end |
80 |
| transcript.whisperx[17].text |
體質的時機了 |
| transcript.whisperx[18].start |
80 |
| transcript.whisperx[18].end |
83 |
| transcript.whisperx[18].text |
但是公股進場之後 |
| transcript.whisperx[19].start |
83 |
| transcript.whisperx[19].end |
90 |
| transcript.whisperx[19].text |
首先引發爭議的竟然是副董事長人士及高薪領酬的問題 |
| transcript.whisperx[20].start |
90 |
| transcript.whisperx[20].end |
91 |
| transcript.whisperx[20].text |
外界質疑 |
| transcript.whisperx[21].start |
91 |
| transcript.whisperx[21].end |
95 |
| transcript.whisperx[21].text |
國票金副董事長年薪超過兩千萬元 |
| transcript.whisperx[22].start |
95 |
| transcript.whisperx[22].end |
100 |
| transcript.whisperx[22].text |
遠高於許多大型公股金融機構的董事長 |
| transcript.whisperx[23].start |
100 |
| transcript.whisperx[23].end |
104 |
| transcript.whisperx[23].text |
我想現在在場的很多公股的董事長是不是能心服呢 |
| transcript.whisperx[24].start |
104 |
| transcript.whisperx[24].end |
106 |
| transcript.whisperx[24].text |
我要問財政部 |
| transcript.whisperx[25].start |
106 |
| transcript.whisperx[25].end |
109 |
| transcript.whisperx[25].text |
既然公股已經主導了董事會 |
| transcript.whisperx[26].start |
109 |
| transcript.whisperx[26].end |
114 |
| transcript.whisperx[26].text |
為什麼沒有趁這個機會重新檢討副董事長的設置的必要性 |
| transcript.whisperx[27].start |
114 |
| transcript.whisperx[27].end |
117 |
| transcript.whisperx[27].text |
職權跟薪酬 |
| transcript.whisperx[28].start |
117 |
| transcript.whisperx[28].end |
124 |
| transcript.whisperx[28].text |
財政部不能一方面動用犯公股近百億的資金取得經營權 |
| transcript.whisperx[29].start |
124 |
| transcript.whisperx[29].end |
127 |
| transcript.whisperx[29].text |
另一方面遇到監督問題 |
| transcript.whisperx[30].start |
127 |
| transcript.whisperx[30].end |
132 |
| transcript.whisperx[30].text |
又說國票金不是財政部直接的投資事業 |
| transcript.whisperx[31].start |
132 |
| transcript.whisperx[31].end |
135 |
| transcript.whisperx[31].text |
要尊重公司治理 |
| transcript.whisperx[32].start |
135 |
| transcript.whisperx[32].end |
138 |
| transcript.whisperx[32].text |
這樣就變成要經營權時是公股 |
| transcript.whisperx[33].start |
138 |
| transcript.whisperx[33].end |
140 |
| transcript.whisperx[33].text |
要負責時變成民營 |
| transcript.whisperx[34].start |
140 |
| transcript.whisperx[34].end |
144 |
| transcript.whisperx[34].text |
這不是人民期待的犯公股的治理 |
| transcript.whisperx[35].start |
144 |
| transcript.whisperx[35].end |
145 |
| transcript.whisperx[35].text |
第二 |
| transcript.whisperx[36].start |
145 |
| transcript.whisperx[36].end |
150 |
| transcript.whisperx[36].text |
我們支持金融機構透過整併提升規模與競爭力 |
| transcript.whisperx[37].start |
150 |
| transcript.whisperx[37].end |
155 |
| transcript.whisperx[37].text |
但是本席認為不能為了公共併三個字而併 |
| transcript.whisperx[38].start |
155 |
| transcript.whisperx[38].end |
159 |
| transcript.whisperx[38].text |
財政部今天提出了尊重市場機制 |
| transcript.whisperx[39].start |
159 |
| transcript.whisperx[39].end |
160 |
| transcript.whisperx[39].text |
利害關係人合意 |
| transcript.whisperx[40].start |
160 |
| transcript.whisperx[40].end |
164 |
| transcript.whisperx[40].text |
及綜合績效優先三大原則 |
| transcript.whisperx[41].start |
164 |
| transcript.whisperx[41].end |
166 |
| transcript.whisperx[41].text |
我們基本上認同 |
| transcript.whisperx[42].start |
166 |
| transcript.whisperx[42].end |
170 |
| transcript.whisperx[42].text |
但是我必須要再加上一項公共利益 |
| transcript.whisperx[43].start |
170 |
| transcript.whisperx[43].end |
174 |
| transcript.whisperx[43].text |
到底是由誰來併國票金 |
| transcript.whisperx[44].start |
174 |
| transcript.whisperx[44].end |
176 |
| transcript.whisperx[44].text |
是聽到下面的 |
| transcript.whisperx[45].start |
176 |
| transcript.whisperx[45].end |
180 |
| transcript.whisperx[45].text |
是張銀第一金招風金還是其他公股機構 |
| transcript.whisperx[46].start |
180 |
| transcript.whisperx[46].end |
182 |
| transcript.whisperx[46].text |
這不能用政治決定 |
| transcript.whisperx[47].start |
182 |
| transcript.whisperx[47].end |
185 |
| transcript.whisperx[47].text |
而是要提出客觀的評估 |
| transcript.whisperx[48].start |
185 |
| transcript.whisperx[48].end |
188 |
| transcript.whisperx[48].text |
國票金最大的問題是缺乏銀行通路 |
| transcript.whisperx[49].start |
188 |
| transcript.whisperx[49].end |
191 |
| transcript.whisperx[49].text |
因此整併必須回答三個問題 |
| transcript.whisperx[50].start |
191 |
| transcript.whisperx[50].end |
192 |
| transcript.whisperx[50].text |
第一 |
| transcript.whisperx[51].start |
192 |
| transcript.whisperx[51].end |
195 |
| transcript.whisperx[51].text |
能不能補足銀行業務及通路 |
| transcript.whisperx[52].start |
195 |
| transcript.whisperx[52].end |
196 |
| transcript.whisperx[52].text |
第二 |
| transcript.whisperx[53].start |
196 |
| transcript.whisperx[53].end |
198 |
| transcript.whisperx[53].text |
能不能降低重複成本 |
| transcript.whisperx[54].start |
198 |
| transcript.whisperx[54].end |
200 |
| transcript.whisperx[54].text |
提升股東權益報酬率 |
| transcript.whisperx[55].start |
200 |
| transcript.whisperx[55].end |
205 |
| transcript.whisperx[55].text |
ROE與美股的盈餘EPS |
| transcript.whisperx[56].start |
205 |
| transcript.whisperx[56].end |
206 |
| transcript.whisperx[56].text |
第三 |
| transcript.whisperx[57].start |
206 |
| transcript.whisperx[57].end |
209 |
| transcript.whisperx[57].text |
能不能擴大規模提高國際競爭力 |
| transcript.whisperx[58].start |
209 |
| transcript.whisperx[58].end |
212 |
| transcript.whisperx[58].text |
如果答案都是否定的 |
| transcript.whisperx[59].start |
212 |
| transcript.whisperx[59].end |
214 |
| transcript.whisperx[59].text |
那就沒有必要為併而併 |
| transcript.whisperx[60].start |
215 |
| transcript.whisperx[60].end |
217 |
| transcript.whisperx[60].text |
我要提醒財政部 |
| transcript.whisperx[61].start |
217 |
| transcript.whisperx[61].end |
219 |
| transcript.whisperx[61].text |
金管會已經說得很清楚了 |
| transcript.whisperx[62].start |
219 |
| transcript.whisperx[62].end |
223 |
| transcript.whisperx[62].text |
金融整併由業者依公司治理來決定 |
| transcript.whisperx[63].start |
223 |
| transcript.whisperx[63].end |
227 |
| transcript.whisperx[63].text |
但泛公股涉及公股股權處理 |
| transcript.whisperx[64].start |
227 |
| transcript.whisperx[64].end |
231 |
| transcript.whisperx[64].text |
財政部不能把這個球再丟給金管會了 |
| transcript.whisperx[65].start |
231 |
| transcript.whisperx[65].end |
235 |
| transcript.whisperx[65].text |
因此本席提出三點訴求 |
| transcript.whisperx[66].start |
235 |
| transcript.whisperx[66].end |
238 |
| transcript.whisperx[66].text |
希望財政部三個月提出 |
| transcript.whisperx[67].start |
238 |
| transcript.whisperx[67].end |
241 |
| transcript.whisperx[67].text |
泛公股金融機構治理準則 |
| transcript.whisperx[68].start |
241 |
| transcript.whisperx[68].end |
243 |
| transcript.whisperx[68].text |
明確的規範 |
| transcript.whisperx[69].start |
243 |
| transcript.whisperx[69].end |
245 |
| transcript.whisperx[69].text |
董事判認 |
| transcript.whisperx[70].start |
245 |
| transcript.whisperx[70].end |
247 |
| transcript.whisperx[70].text |
高階薪酬 |
| transcript.whisperx[71].start |
247 |
| transcript.whisperx[71].end |
250 |
| transcript.whisperx[71].text |
績效考核及重大投資決策 |
| transcript.whisperx[72].start |
250 |
| transcript.whisperx[72].end |
252 |
| transcript.whisperx[72].text |
第二 |
| transcript.whisperx[73].start |
252 |
| transcript.whisperx[73].end |
254 |
| transcript.whisperx[73].text |
全面檢討國票金 |
| transcript.whisperx[74].start |
254 |
| transcript.whisperx[74].end |
256 |
| transcript.whisperx[74].text |
副董事長的職位 |
| transcript.whisperx[75].start |
256 |
| transcript.whisperx[75].end |
258 |
| transcript.whisperx[75].text |
薪酬與績效的連結 |
| transcript.whisperx[76].start |
258 |
| transcript.whisperx[76].end |
262 |
| transcript.whisperx[76].text |
不能讓泛公股成為監督的灰色地帶 |
| transcript.whisperx[77].start |
262 |
| transcript.whisperx[77].end |
263 |
| transcript.whisperx[77].text |
第三 |
| transcript.whisperx[78].start |
263 |
| transcript.whisperx[78].end |
267 |
| transcript.whisperx[78].text |
半年內提出國票金整併的可行性評估 |
| transcript.whisperx[79].start |
267 |
| transcript.whisperx[79].end |
272 |
| transcript.whisperx[79].text |
公開比較不同公股機構整併的成本 |
| transcript.whisperx[80].start |
272 |
| transcript.whisperx[80].end |
273 |
| transcript.whisperx[80].text |
綜合績效 |
| transcript.whisperx[81].start |
273 |
| transcript.whisperx[81].end |
278 |
| transcript.whisperx[81].text |
股東權益及公會與員工的權益 |
| transcript.whisperx[82].start |
278 |
| transcript.whisperx[82].end |
280 |
| transcript.whisperx[82].text |
尤其是員工的薪資 |
| transcript.whisperx[83].start |
280 |
| transcript.whisperx[83].end |
283 |
| transcript.whisperx[83].text |
應該具備合理的競爭性 |
| transcript.whisperx[84].start |
283 |
| transcript.whisperx[84].end |
287 |
| transcript.whisperx[84].text |
才能留住人才來維持公股銀行的競爭力 |
| transcript.whisperx[85].start |
287 |
| transcript.whisperx[85].end |
290 |
| transcript.whisperx[85].text |
本席支持金融整併 |
| transcript.whisperx[86].start |
290 |
| transcript.whisperx[86].end |
293 |
| transcript.whisperx[86].text |
但我們要的是專業整併 |
| transcript.whisperx[87].start |
293 |
| transcript.whisperx[87].end |
294 |
| transcript.whisperx[87].text |
不是政治整併 |
| transcript.whisperx[88].start |
294 |
| transcript.whisperx[88].end |
296 |
| transcript.whisperx[88].text |
要的是提升競爭力 |
| transcript.whisperx[89].start |
296 |
| transcript.whisperx[89].end |
298 |
| transcript.whisperx[89].text |
不是重新分配位子 |
| transcript.whisperx[90].start |
298 |
| transcript.whisperx[90].end |
301 |
| transcript.whisperx[90].text |
既然政府取得國票金主導權 |
| transcript.whisperx[91].start |
301 |
| transcript.whisperx[91].end |
303 |
| transcript.whisperx[91].text |
就必須向全民交代 |
| transcript.whisperx[92].start |
303 |
| transcript.whisperx[92].end |
305 |
| transcript.whisperx[92].text |
拿到經營權之後 |
| transcript.whisperx[93].start |
305 |
| transcript.whisperx[93].end |
307 |
| transcript.whisperx[93].text |
究竟要把國票金帶到哪裡去 |
| transcript.whisperx[94].start |
307 |
| transcript.whisperx[94].end |
310 |
| transcript.whisperx[94].text |
我在財政委員會會繼續來監督這件事情 |