| IVOD_ID |
17446 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Full/1M/17446 |
| 日期 |
2026-05-20 |
| 會議資料.會議代碼 |
委員會-11-5-20-15 |
| 會議資料.會議代碼:str |
第11屆第5會期財政委員會第15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 |
15 |
| 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15次全體委員會議 |
| 影片種類 |
Full |
| 開始時間 |
2026-05-20T08:38:11+08:00 |
| 結束時間 |
2026-05-20T12:30:00+08:00 |
| 影片長度 |
03:51:49 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://h264media01.ly.gov.tw:443/vod_1/_definst_/mp4:1M/b41997f390c3528e28af0f0e72e77d22d5a02497ad23a5b4601341028818003d8d930f73b98978205ea18f28b6918d91.mp4/playlist.m3u8 |
| 會議時間 |
2026-05-20T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第5會期財政委員會第15次全體委員會議（事由：一、邀請財政部莊部長翠雲與公股行庫董事長及金融監督管理委員會彭主任委員金隆就「公股金融機構數位轉型、人力招募、員工權益及中長期整併規劃」進行專題報告，並備質詢。
二、審查中華民國115年度中央政府總預算案行政院歲入預算有關中央銀行股息紅利繳庫部分、財政部及所屬單位歲入預算部分。（僅詢答）
三、審查中華民國115年度中央政府總預算案有關賦稅署、臺北國稅局、高雄國稅局、北區國稅局及所屬、中區國稅局及所屬、南區國稅局及所屬歲出預算部分。（僅詢答）
【5月20日及21日二天一次會】
【預算提案截止時間：5月21日（四）下午5時】） |
| 委員名稱 |
完整會議 |
| 委員發言時間 |
08:38:11 - 12:30:00 |
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請全民書報告出席的委員人數報告委員會出席委員已足法定人數好 我們現在開始開會請議事人員宣讀上次的會議議事錄 |
| transcript.whisperx[1].start |
1333.049 |
| transcript.whisperx[1].end |
1355.194 |
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立法院第十一屆第五會期財政委員會第十四次全體委員會議實錄時間中華民國一百一十五年五月十一日星期一九十至十二十一分地點群憲樓九樓大禮堂出席委員林黛嬅等十四人列席委員鍾嘉斌等五人列席官員金管會主委彭金隆暨相關單位主管主席吳昭吉委員秉瑞 |
| transcript.whisperx[2].start |
1355.854 |
| transcript.whisperx[2].end |
1376.82 |
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報告事項 宣讀上次會議事錄 決定議事錄確定 討論事項 審查中華民國一百一十五年度中央政府總預算案有關金融監督管理委員會 銀行局 證券期貨局 保險局 檢察局 收支部份經金管會彭主委就預算案提出報告後 藉由委員林德福等十六人提出質詢 均經彭主委及相關人員予以說明及答覆 |
| transcript.whisperx[3].start |
1377.95 |
| transcript.whisperx[3].end |
1378.59 |
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請問公務委員對於義事錄有沒有異議 |
| transcript.whisperx[4].start |
1404.571 |
| transcript.whisperx[4].end |
1408.403 |
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好 那我們就醫事錄確定請醫事人員宣讀今天的議程 |
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1409.758 |
| transcript.whisperx[5].end |
1434.286 |
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一邀請財政部莊部長翠雲與公股行庫董事長及金融介度管理委員會彭主任委員金融就公股金融機構數位轉型能力招募員工權益及中長期整併規劃進行專題報告並備諮詢二審查中華民國115年度中央政府總預算案行政院稅務預算有關中央銀行股息紅利繳戶部分財政部及所屬單位稅務預算部分僅詢答 |
| transcript.whisperx[6].start |
1436.707 |
| transcript.whisperx[6].end |
1460.233 |
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三審查中華民國一百五十五年度中央政府總預算案有關附稅署台北國稅局高雄國稅局北區國稅局及所屬中區國稅局及所屬南區國稅局及所屬稅出預算部分僅詢答順讀完畢好由我先來介紹我們今天在現場的委員第一位我們的召委吳秉瑞吳召委 |
| transcript.whisperx[7].start |
1464.622 |
| transcript.whisperx[7].end |
1486.942 |
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第二位 我們在現場 林德福 林委員我們今天來到現場 官員也非常多我們今天議程也非常多來 第一位又來介紹我們的財政部部長 莊部長歡迎您我們的綜合規劃司理事長 歡迎您推動促參司的莊師長 |
| transcript.whisperx[8].start |
1490.605 |
| transcript.whisperx[8].end |
1496.871 |
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我們財政部底下人事處的張處長 謝謝歡迎您還有我們會計處的李處長 歡迎您我們財政部法治處的姚處長 歡迎您我們秘書處的楊處長 歡迎您還有我們國庫署的陳署長 歡迎您 |
| transcript.whisperx[9].start |
1516.055 |
| transcript.whisperx[9].end |
1543.868 |
| transcript.whisperx[9].text |
我們賦稅署的宋署長歡迎您我們關務署的彭署長歡迎您我們國有財產署的曾署長歡迎您財政資訊中心的張主任歡迎您財政人員訓練所的洪代理所長歡迎您我們台北國稅局的樓局長歡迎您 |
| transcript.whisperx[10].start |
1546.633 |
| transcript.whisperx[10].end |
1575.854 |
| transcript.whisperx[10].text |
高雄國稅局的許局長歡迎您北區國稅局的李局長歡迎您我們中區國稅局的翁局長歡迎您我們南區國稅局的陳局長歡迎您我們台灣金融控股股份有限公司林董事長歡迎您總經理施總經理歡迎您 |
| transcript.whisperx[11].start |
1577.793 |
| transcript.whisperx[11].end |
1599.594 |
| transcript.whisperx[11].text |
台銀銀行股份有限公司總經理吳總經理歡迎您台銀人壽保險股份有限公司董事長張董事長歡迎您總經理劉總經理歡迎您台銀綜合證券股份有限公司董事長李董事長歡迎您以及我們的總經理張總經理歡迎您 |
| transcript.whisperx[12].start |
1602.915 |
| transcript.whisperx[12].end |
1619.663 |
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土地銀行股份有限公司董事長何董事長歡迎您以及我們的總經理張總經理歡迎您兆豐金控股份有限公司董事長董董事長以及總經理張總經理歡迎您謝謝我們兆豐國際商業銀行黃總經理歡迎您 |
| transcript.whisperx[13].start |
1629.417 |
| transcript.whisperx[13].end |
1647.809 |
| transcript.whisperx[13].text |
我們第一金控董事長邱董事長歡迎您總經理方總經理歡迎您第一商營周總經理歡迎您華南金融控股公司的陳董事長歡迎您以及我們總經理蕭總經理歡迎您華南商業銀行黃總經理歡迎您 |
| transcript.whisperx[14].start |
1655.54 |
| transcript.whisperx[14].end |
1682.061 |
| transcript.whisperx[14].text |
我們合作金庫金融控股有限公司董事長林董事長歡迎您謝謝董事長以及總經理蘇總經理歡迎您合作金庫商業銀行股份有限公司的總經理另外一位總經理王總經理我們總共今天三位兆豐商業銀行董事長胡董事長歡迎您彰化 對不起彰化商業銀行 |
| transcript.whisperx[15].start |
1685.565 |
| transcript.whisperx[15].end |
1710.723 |
| transcript.whisperx[15].text |
張化商業銀行股份有限公司胡董事長以及總經理簡志光簡總經理歡迎您台灣中小企業銀行股份有限公司董事長李董事長歡迎您以及總經理李董經理歡迎您中國輸出入銀行理事主席戴主席歡迎您 |
| transcript.whisperx[16].start |
1713.12 |
| transcript.whisperx[16].end |
1737.827 |
| transcript.whisperx[16].text |
以及總經理謝富華總經理歡迎您我們今年財政部印刷廠長王廠長也在現場歡迎您謝謝台灣燕酒股份有限公司董事長湯董事長歡迎您以及總經理賴總經理歡迎您官報網路有限公司董事長張董事長 |
| transcript.whisperx[17].start |
1741.845 |
| transcript.whisperx[17].end |
1765.691 |
| transcript.whisperx[17].text |
總經理 高總經理 歡迎您中央債保股份有限公司的李董事 歡迎您我們金管會主委今天身體健安副主委來代理 陳彥良陳副主委 謝謝 歡迎您我們銀行局的局長 童局長 歡迎您 |
| transcript.whisperx[18].start |
1767.079 |
| transcript.whisperx[18].end |
1794.022 |
| transcript.whisperx[18].text |
我們證取局的副局長黃副局長歡迎您我們保險局的副局長陳副局長歡迎您我們檢察局的郭副局長歡迎您我們台灣證券交易所的副總經理杜副總經理歡迎您我們財團法人中華民國證券櫃買中心副總經理圖副總經理歡迎您 |
| transcript.whisperx[19].start |
1796.567 |
| transcript.whisperx[19].end |
1808.001 |
| transcript.whisperx[19].text |
我們央行副總裁嚴副總裁歡迎您以及我們會計處郭處長歡迎您我們行政院主計總處公務預算處的李專門委員歡迎您 |
| transcript.whisperx[20].start |
1811.069 |
| transcript.whisperx[20].end |
1836.491 |
| transcript.whisperx[20].text |
好那我们今天的议程安排第一我们邀请财政部庄部长与公股行库的董事长及金融证券监督委员会彭主委副主委就我们公股金融机构的数位转型人力招募还有包括员工权益中长期的诊病规划进行专案报告并被质询第二我们要审查我们110年度110 |
| transcript.whisperx[21].start |
1839.609 |
| transcript.whisperx[21].end |
1865.437 |
| transcript.whisperx[21].text |
第115年度中央政府總預算行政院稅務預算有關中央銀行股息紅利腳庫的部分還有包括財政部及所屬的單位稅務預算的部分請答詢第三項我們審查中華民國第115年度中央政府總預算有關負稅署台北國稅局高雄國稅局北區國稅局所屬中區國稅局 |
| transcript.whisperx[22].start |
1866.817 |
| transcript.whisperx[22].end |
1893.147 |
| transcript.whisperx[22].text |
及所屬南區國稅局及所屬稅出的預算部分請答詢那待會我們就分三項請財政部部長進行專題預算內容的報告大家都盡量簡短第二我們請金管會的副主委進行專案報告第三項請中央銀行嚴副總裁進行預算的報告內容及說明那第一位我先請我們財政部莊部長 |
| transcript.whisperx[23].start |
1900.626 |
| transcript.whisperx[23].end |
1911.153 |
| transcript.whisperx[23].text |
主席 各位委員先進大家早 今日本部呈要列席就公股金融機構數位轉型人力招募 員工權益還有中長期的整併規劃進行專題報告請就相關事項做簡要的說明首先公股銀行積極推動數位轉型持續的強化資訊安全並提升作業效率本部從111年起就督導公股銀行積極推動 |
| transcript.whisperx[24].start |
1926.384 |
| transcript.whisperx[24].end |
1952.779 |
| transcript.whisperx[24].text |
資訊系統優化轉型升級計劃核心目標主要是要透過建置小核心大周邊的彈性架構來達成開放架構多元化的服務的轉型主軸同時要強化人工智慧以及新興科技的應用並且要再兼顧資安治理的能力還有風險的管控來確保數位轉型具備前瞻性以及韌性那在執行成效部分我們公股銀行都依照規劃的進度積極在推動 |
| transcript.whisperx[25].start |
1954.76 |
| transcript.whisperx[25].end |
1965.912 |
| transcript.whisperx[25].text |
預定會在116年底全數完成核心系統還有作業平台的優化為了確保計畫能夠落實辦理各事業數位轉型的進度都是由董事會直接追蹤列管並且適時的檢討持續精進相關的行動方案 |
| transcript.whisperx[26].start |
1971.178 |
| transcript.whisperx[26].end |
1988.384 |
| transcript.whisperx[26].text |
第二個部分報告是積極落實我們流財攬財的措施來持續改善員工權益還有福利政策我們以多元的管道招攬聚焦數位金融與資安人才為了因應金融科技發展還有產業的趨勢公股銀行近年招募的重點聚焦數位轉型和資安專業人才 |
| transcript.whisperx[27].start |
1990.925 |
| transcript.whisperx[27].end |
2006.543 |
| transcript.whisperx[27].text |
各个事业除了传统的征事之外并且结合校园的征才还有数位社群平台来扩大对优质人才的吸引力我们透过招揽具备新兴技术专才还有业务发展的紧密结合来强化整体经营的竞争优势 |
| transcript.whisperx[28].start |
2007.344 |
| transcript.whisperx[28].end |
2021.534 |
| transcript.whisperx[28].text |
第二個部分我們要強化升遷留才的機制為了要留住優秀人才並且強化經營的績效我們公股銀行推動了多項激勵的機制首先是多縮短待遇的落差為了要拉近和民營金融機構之間的距離國營銀行薪資實施和公務員脫鉤的政策 |
| transcript.whisperx[29].start |
2026.697 |
| transcript.whisperx[29].end |
2043.999 |
| transcript.whisperx[29].text |
从108年到现在调薪已经将近19%显著提升了一个薪酬的竞争力第二个我们优化升迁的管道为了提高年轻行员留任的意愿公股银行透过透明公平升迁的机制缩短参加升等的年资 |
| transcript.whisperx[30].start |
2045.649 |
| transcript.whisperx[30].end |
2068.296 |
| transcript.whisperx[30].text |
並且調整升遷考核評分的內容來降低年資占比那麼提高專業能力還有證照的考評權重針對表現優異或具有發展潛能的青年行員實施提前把著的機制第三個要優化員工福利還有營造友善的職場環境本部致力於提升公股金融事業員工福利營造友善的育兒或職場 |
| transcript.whisperx[31].start |
2069.316 |
| transcript.whisperx[31].end |
2070.617 |
| transcript.whisperx[31].text |
强化我们的生育支持 |
| transcript.whisperx[32].start |
2099.556 |
| transcript.whisperx[32].end |
2120.845 |
| transcript.whisperx[32].text |
第三个部分就是公股金融事业中长期的整病规划金融事业整病有助于金融市场的良性发展那么基于提升公股金融机构竞争的考量那么正在推动公股投信市合一的整病相关事业也正积极地在办理当中并且会以保障员工的工作权为优先 |
| transcript.whisperx[33].start |
2121.425 |
| transcript.whisperx[33].end |
2149.802 |
| transcript.whisperx[33].text |
第二个部分在各公股民营事业会在确保公股经营主导权的前提之下来关注市场中具有优势互补中效的合适标的那根据业务的发展方向评估再来评估公民病来壮大业务的能量强化市场竞争的地位同时督导事业在办理过程当中必须要遵循相关的法规还有市场的机制 |
| transcript.whisperx[34].start |
2150.302 |
| transcript.whisperx[34].end |
2176.522 |
| transcript.whisperx[34].text |
同時兼顧股東員工和客戶的權益本部為公股金融事業股權的管理機關會持續的督導我們的公股金融機構遵依政策還有相關的規定持續精進現行的數位系統還有資訊的轉型滾動檢討員工薪資和福利的相關制度並且適時的督導各公民公股民營金融事業評估具有復補中效的診病標的 |
| transcript.whisperx[35].start |
2177.423 |
| transcript.whisperx[35].end |
2200.992 |
| transcript.whisperx[35].text |
以提升事業競爭力 落實公司治理 善盡企業社會責任以上報告 敬請各位委員指教接下來我是不是就有關115年度中央今天委員要審查的115年度本部及所屬機關稅務預算以及附稅署台北國稅局五區國稅局及所屬的稅出預算那麼我來做一個簡要的說明 |
| transcript.whisperx[36].start |
2202.153 |
| transcript.whisperx[36].end |
2208.436 |
| transcript.whisperx[36].text |
首先就114年度主管稅務預算的執行情形本部主管114年度稅務的決算數新台幣2兆8199億元那麼佔預算數的99.62%那麼詳細的請參閱我們的書面報告第10頁主要是貨物稅所得稅還有營業稅交預期來的減少那麼證交稅 |
| transcript.whisperx[37].start |
2224.744 |
| transcript.whisperx[37].end |
2250.342 |
| transcript.whisperx[37].text |
还有国有非公用财产的租金收入设定地上权的权利金收入以及土地售价收入比预期增加增减负抵影响所致第二个部分就115年度我们主管税务预算的编列情形为了满足政府的施政需求活络经济的动能以及厚植国家发展的实力本部主管的115年度税务预算共编列2兆5250亿元比114年度的预算数 |
| transcript.whisperx[38].start |
2251.162 |
| transcript.whisperx[38].end |
2276.118 |
| transcript.whisperx[38].text |
2兆8308亿元减少3058亿元大约是10.8%主要其中是税客收入减少了3038亿元营业盈余及事业收入减少23亿元还有财产收入减少2.5亿元至于规费罚飞款及其他收入则是增加了5.5亿元那么请参阅我们书面报告第11页付表2那内容也在附录1 |
| transcript.whisperx[39].start |
2276.878 |
| transcript.whisperx[39].end |
2290.192 |
| transcript.whisperx[39].text |
那麼115年度主管輸入來源的預算表裡面有做詳列第三個部分對於複稅署還有我們的五區國稅局所屬的稅出預算編列情形首先複稅署的部分是編列了213億餘元主要是統一發票的給獎還有推行經費 |
| transcript.whisperx[40].start |
2295.538 |
| transcript.whisperx[40].end |
2313.616 |
| transcript.whisperx[40].text |
以及地方政府土地增值稅款短少的補助還有地方政府遺產及贈餘稅款的短少補助那在台北國稅局是編列了28億餘元那麼這主要是我們台北國稅局的中正分局辦公廳設取得計畫的經費還有人員維持跟基本行政的經費請參閱 |
| transcript.whisperx[41].start |
2315.277 |
| transcript.whisperx[41].end |
2317.719 |
| transcript.whisperx[41].text |
我们的书面报告第六页第八页以及附录三 |
| transcript.whisperx[42].start |
2345.297 |
| transcript.whisperx[42].end |
2352.967 |
| transcript.whisperx[42].text |
以及所屬則是編列的26億一元那麼主要是我們中區國稅局的東市基增所辦公廳設的興建計劃的經費還有人員維持費及基本行政的經費請參與我們第八頁到第九頁以及附錄六 |
| transcript.whisperx[43].start |
2360.356 |
| transcript.whisperx[43].end |
2377.528 |
| transcript.whisperx[43].text |
南區國稅局以及所屬編列的20億餘元主要是我們南區國稅局的東港計政所辦公廳設新建計畫的經費人員維持費還有基本行政基費請參閱第9頁以及附錄7以上的檢要報告敬請各位委員會與支持指教謝謝好我們謝謝莊部長的報告說明接下來我請我們金管會的副主委 |
| transcript.whisperx[44].start |
2395.042 |
| transcript.whisperx[44].end |
2409.511 |
| transcript.whisperx[44].text |
主席 各位委員 大家早安今天 承蒙貴委員會第15次全體委員會議邀請我們這邊來對於公股金融機構數位轉型人力招募員工權益中長期整併進行專案報告 |
| transcript.whisperx[45].start |
2411.112 |
| transcript.whisperx[45].end |
2433.444 |
| transcript.whisperx[45].text |
以下简要说明首先呢对于金融机构转型的一个部分呢本会推动银行数位的转型在104年呢就推动打造数位化金融环境3.0政策也推动了多项的一个服务截至115年第一季止已经有36家本国银行开办线上申请数位存款开户 |
| transcript.whisperx[46].start |
2434.444 |
| transcript.whisperx[46].end |
2462.22 |
| transcript.whisperx[46].text |
的业务以及呢金融Face ID的验证转接中心呢已于114年9月25日事半上线提供的一个服务那进一步呢也会扩大数位身份验证的使用的一个场景而在对于证券商期货商投信投顾事业的数位化转型呢我们也是逐步放宽呢这个证券期货业得以线上多元方式提供各项的申办服务 |
| transcript.whisperx[47].start |
2462.56 |
| transcript.whisperx[47].end |
2483.058 |
| transcript.whisperx[47].text |
也开放投资人更多的多元安全有效的数位化身份的一个验证同时也开放了证券商得弹性设置数位体验专区而保险的一个部分对于保险数位化的一个转型我们以线上多元提供保险商品销售的一个相关服务 |
| transcript.whisperx[48].start |
2483.798 |
| transcript.whisperx[48].end |
2510.645 |
| transcript.whisperx[48].text |
因應金融科技我們要兼顧金融業的一個員工權益本會在105年的時候有發布相關函令明定金融業應於105至107年提列特別盈餘公積而108年也發布相關函令將這些特別盈餘公積的使用範圍也包括了一個教育訓練的支出並規範金融業仍然應該在年度預算中編列一定 |
| transcript.whisperx[49].start |
2511.085 |
| transcript.whisperx[49].end |
2522.575 |
| transcript.whisperx[49].text |
金额以致应员工转型训练的一个费用展望未来在风险可控兼顾员工的一个消费者权益的前提之下持续推动金融科技 |
| transcript.whisperx[50].start |
2523.939 |
| transcript.whisperx[50].end |
2542.476 |
| transcript.whisperx[50].text |
而友善的金融并购诊病的环境我们也是以员工保障权益为优先以及消费者权益的保障为重点确保金融机构诊病所设员工权益我们也要求业者提供妥善的员工安置计划 |
| transcript.whisperx[51].start |
2543.177 |
| transcript.whisperx[51].end |
2571.659 |
| transcript.whisperx[51].text |
而金融整病也涉及了金融市場的一個安定所以我們也會建立明確的一個併購法規以及友善的整病環境那至於公股金融機構整病涉及公股股權的一個管理本會將秉持在尊重財政部以及所有整體一個發展這樣原則管理的一個權限加以前進以上報告敬請委員及各位指教祝各位身體健康 |
| transcript.whisperx[52].start |
2572.901 |
| transcript.whisperx[52].end |
2583.102 |
| transcript.whisperx[52].text |
謝謝夫主委這個簡短清楚的說明接下來我請我們中央銀行閻副總裁進行預算案的內容跟說明謝謝您 |
| transcript.whisperx[53].start |
2590.001 |
| transcript.whisperx[53].end |
2608.877 |
| transcript.whisperx[53].text |
主席各位委員以下緊究115年度中央政府總預算案行政院稅務預算有關中央銀行股息紅利繳戶部分向各位委員報告本行今年度預算繳交國庫關係紅利全數列為行政院稅務預算即新台幣246027000元 |
| transcript.whisperx[54].start |
2613.12 |
| transcript.whisperx[54].end |
2626.929 |
| transcript.whisperx[54].text |
本行系編制附屬單位預算之營業基金預算貴委員會將另訂其專案審查本行屆時將另作115年度預算之詳細報告以上說明敬請委員支持謝謝 |
| transcript.whisperx[55].start |
2629.231 |
| transcript.whisperx[55].end |
2648.46 |
| transcript.whisperx[55].text |
謝謝布總裁的說明跟報告好那我們現在開始做詢答先做以下的宣告每位出席委員發言時間是八分鐘必要延長兩分鐘每位列席委員四分鐘今天上午十點鐘截止發言登記現在依登記的順序請登記的第一位林德福委員質詢 |
| transcript.whisperx[56].start |
2662.093 |
| transcript.whisperx[56].end |
2675.243 |
| transcript.whisperx[56].text |
謝謝謝謝主席這個莊部長還有與會各單位的首長副首長包括我們中央銀行顏護總裁包括金管會副主委這個是不是請莊部長部長 |
| transcript.whisperx[57].start |
2682.728 |
| transcript.whisperx[57].end |
2686.31 |
| transcript.whisperx[57].text |
因為市場關心國票金經營權將創民營轉換工股首例國票金將在今年5月29日舉行股東常會改選董事 |
| transcript.whisperx[58].start |
2701.098 |
| transcript.whisperx[58].end |
2729.414 |
| transcript.whisperx[58].text |
那今年3月25日莊部長您當時在立法院表示這次改選公股將會展現股權實力的原則那如果公股取得主導權當然要讓公司治理走入正軌來穩健經營那不會配合特定的名股那這個請問部長上述這些說法是否維持不變 |
| transcript.whisperx[59].start |
2731.423 |
| transcript.whisperx[59].end |
2748.619 |
| transcript.whisperx[59].text |
跟委員報告是的是沒有沒有任何變化一樣維持不變是因為對近期相關的一些媒體報導部長你是不是有一些需要說明來回應是的我跟委員說明以及跟大家說明也就是說有關國票金在5月29號會進行股東大會以及進行 |
| transcript.whisperx[60].start |
2751.733 |
| transcript.whisperx[60].end |
2771.46 |
| transcript.whisperx[60].text |
是的一個改選我想這個部分呢都是根據有關金控法銀行法公司法相關的證交法的規定那麼各個具有提名資格的股東也都提也都完成了一個提名的作業依法完成提名作業那股東會完成之後當然會進行後面的一個董事選任出位後會要改選 |
| transcript.whisperx[61].start |
2772.58 |
| transcript.whisperx[61].end |
2799.682 |
| transcript.whisperx[61].text |
那改選的時候應該依照我們依照根據國票經的章程公司法的規定辦理相關的董事長等等的一個經營團隊的一個改選我想這個部分當然是如果我們的公股的事業取得了一個經營主導權我們還是會秉持第一個就是要強化公司治理然後提升經營的一個營運的績效要確保股東的效益維護股東的權益我想這個部分是沒有變的 |
| transcript.whisperx[62].start |
2800.618 |
| transcript.whisperx[62].end |
2825.768 |
| transcript.whisperx[62].text |
沒有變 部長本期是希望說你任何公股銀行還是以績效做第一因為你很多公股銀行你那個一定每年要做一些評選就是到底你這家公股銀行你的績效好不好你最後一名你也是讓他一樣當董事長我認為這個是大家不能接受的 |
| transcript.whisperx[63].start |
2826.668 |
| transcript.whisperx[63].end |
2851.593 |
| transcript.whisperx[63].text |
他業績不好表示他能力差人家同是公股銀行有的做那麼好為什麼有的公股銀行做那麼差而且差到你本來就應該要做一些等於是有獎有成要做一些變動人家才會幸福不是說反正我就已經掛上公股銀行的董事長了我什麼都可以你奈我何 |
| transcript.whisperx[64].start |
2853.634 |
| transcript.whisperx[64].end |
2880.325 |
| transcript.whisperx[64].text |
這個委員的指教很適合那我想財政部對於我們所指派的股權代表我們都有一個平和的機制都會定期的做平和我希望你把那個機制一份給我們財委會每位委員到底他每年的績效成績到最後成果是如何評比以後落差很大你最後一名你也一樣是讓他一樣掛功夫的董事長對不對那個是沒有道理的啊他能力差你憑什麼又讓他繼續做 |
| transcript.whisperx[65].start |
2882.026 |
| transcript.whisperx[65].end |
2902.124 |
| transcript.whisperx[65].text |
我們有相關的評估的機制以及有一些的內容指標都會有的我想這個部分就我們機制的部分提供是沒有問題的因為你好不好一看就知道清清楚楚的嘛你能力差你要去那裡做那等於是酬庸嘛對不對 |
| transcript.whisperx[66].start |
2903.035 |
| transcript.whisperx[66].end |
2912.763 |
| transcript.whisperx[66].text |
我想各位也可以看到其實我們的金控的代表以及銀行的以及公股的代表你就是把績效拿出來看就好了好不好都是以專業為考量那我們會把相關的機制提供給委員會好 那個部長近期聽聞公股 航庫啊徵才困難啦那公股 航庫報考人數不理想台銀 土銀今年徵才不到兩千人報考錄取率啊每五個報考者就有一個 |
| transcript.whisperx[67].start |
2933.079 |
| transcript.whisperx[67].end |
2952.559 |
| transcript.whisperx[67].text |
這可能錄取那我請問莊部長宮古航庫人才荒主因是薪資待遇嗎還是有其他的因素這個有無因應的對策您可不可以提出來讓大家了解一下是我想謝謝委員關心第一個我們在純國營的部分 |
| transcript.whisperx[68].start |
2953.188 |
| transcript.whisperx[68].end |
2967.704 |
| transcript.whisperx[68].text |
跟我們的泛公股金融事業在薪資的待遇上確實有差距因為純國營的部分他必須有國營事業管理法相關的一個規範的一個機制所以他的薪資上跟泛公股的事業是有差距的這是先第一個說明 |
| transcript.whisperx[69].start |
2968.605 |
| transcript.whisperx[69].end |
2984.278 |
| transcript.whisperx[69].text |
那第二個部分呢我剛剛在報告裡面也提到了對於公股金融稅相關的不管純國營也好民營的部分我們都希望能夠完成所謂的流財的機制而且讓純國營的部分的薪資調整能跟公務員能夠脫鉤那這個部分我們也積極的在努力從108年到現在也要調薪也進了19%我們希望在薪酬上能夠在我們可以行的範圍內一定會積極的去爭取 |
| transcript.whisperx[70].start |
2996.949 |
| transcript.whisperx[70].end |
3007.298 |
| transcript.whisperx[70].text |
那在深圈的管道上也做了一些調整比如說要必須要公開透明的深圈機制而且在年資的權重比分來做降低那然後能夠有那個對優秀的而且發展潛力的青年行員能夠 |
| transcript.whisperx[71].start |
3013.943 |
| transcript.whisperx[71].end |
3027.76 |
| transcript.whisperx[71].text |
提前的把著那達到流財攬財的一個目標另外對於友善的職場環境也積極的在做一些精進這個部分的目標是一直不變那我們也希望在各種方式上來做改進然後能夠確實達到流財攬財然後精進我們 |
| transcript.whisperx[72].start |
3032.365 |
| transcript.whisperx[72].end |
3051.118 |
| transcript.whisperx[72].text |
讓我們的公股事業能夠更為健全的發展我認為說你現在公股銀行他要是達到一定的績效一定的目標甚至要往上應該提撥一些績效的獎金來鼓勵這些同仁我認為這個都可以做啊你只要把那套制度建立完成 |
| transcript.whisperx[73].start |
3053.394 |
| transcript.whisperx[73].end |
3054.595 |
| transcript.whisperx[73].text |
因為我們不是說硬梆梆死板板啦 部長 |
| transcript.whisperx[74].start |
3075.469 |
| transcript.whisperx[74].end |
3103.73 |
| transcript.whisperx[74].text |
根據財政部的統計5月1日開始申報中所稅517截止517截止的時候已經有373萬件已經完成報稅已經有超過一半的民眾已經完成報稅雖然部分扣除額有隨著物價而提高但民眾普遍還是覺得扣除額不夠目前六歲以下幼兒學前特別扣除額 |
| transcript.whisperx[75].start |
3107.914 |
| transcript.whisperx[75].end |
3131.516 |
| transcript.whisperx[75].text |
有特別的扣除那就讀大學有教育學會特別扣除但是國小安心班的會用國高中的補習會對家長其實也是一筆龐大的教育支出沒有辦法在報稅時扣除那昨天行政院針對少子化議題宣布要推動0到18歲全程支持計畫 |
| transcript.whisperx[76].start |
3132.697 |
| transcript.whisperx[76].end |
3142.264 |
| transcript.whisperx[76].text |
那我請問部長您是我有規劃針對國小安親或國高中補習會新增特別扣除額的項目以減輕家長的負擔有沒有這種想法跟委員報告昨天院長提到0到18歲 |
| transcript.whisperx[77].start |
3148.628 |
| transcript.whisperx[77].end |
3177.003 |
| transcript.whisperx[77].text |
少子女化對策是一個國家的一個戰略做目標那我想這個部分會有政府會有一個整體的一個規劃是一個整體性的從生育養育到教育各個各個階段在對於家長的部分我們希望能夠減負擔增福利而且更多的彈性是一個整體的一個規劃而不只是說從某一個單點裡面去比如增加什麼增加什麼或減少什麼我想這個部分會有一個整體的規劃而近期也會對各位做 |
| transcript.whisperx[78].start |
3177.523 |
| transcript.whisperx[78].end |
3187.878 |
| transcript.whisperx[78].text |
我需要在這段期間裡面提出來會有一個整體的報告是的我想五月報稅五月的報稅計 莊部長雖然現在夫妻的所得可以選擇分開計稅但在實務上 |
| transcript.whisperx[79].start |
3193.346 |
| transcript.whisperx[79].end |
3215.285 |
| transcript.whisperx[79].text |
規定卻還是硬性要求必須合併申報這導致很多新婚夫妻在報稅時因為要把雙方所得與股票全攤在同一張的申報書上引發隱私困擾與家庭的摩擦那部長結婚是喜事啦 |
| transcript.whisperx[80].start |
3215.945 |
| transcript.whisperx[80].end |
3244.745 |
| transcript.whisperx[80].text |
那國家應該給以實質的支持而不是用僵化的稅制去懲罰或困擾民眾請問部長財政部能不能嚴厲針對改善夫妻合併申報困擾以及嚴厲新婚減稅又應提出具體的書面評估報告讓年輕人敢結婚而且保有婚後個人隱私的稅制環境你認為呢 |
| transcript.whisperx[81].start |
3245.993 |
| transcript.whisperx[81].end |
3262.939 |
| transcript.whisperx[81].text |
委員報告因為我們所得稅是採取家戶的一個申報的一個機制那對於新婚夫妻要怎麼樣申報那在賦稅上的一個制度上有什麼樣的目前的一些做法也許等一下賦稅署的署長說明或者是說我們另外提書面報告給委員 |
| transcript.whisperx[82].start |
3263.439 |
| transcript.whisperx[82].end |
3282.445 |
| transcript.whisperx[82].text |
好啦那不然你另外再提書面報告啦好不好那個部長依勞工退休金條例勞工志願提繳勞工退休金免計所得課稅最近全國教師公會總聯合會主張社會保險提撥免稅這個免稅優惠比照勞退提撥 |
| transcript.whisperx[83].start |
3291.948 |
| transcript.whisperx[83].end |
3307.079 |
| transcript.whisperx[83].text |
免計所得課稅建議修正所得稅法第一十四條第十七條明定一勞工保險條例公教人員保險法軍人保險條例規定繳戶資保險費用不記錄提繳年度的薪資收入課稅對此財政部部長你有什麼看法 |
| transcript.whisperx[84].start |
3316.745 |
| transcript.whisperx[84].end |
3317.505 |
| transcript.whisperx[84].text |
主席 麻煩請財政部莊部長請部長 請莊部長 |
| transcript.whisperx[85].start |
3345.822 |
| transcript.whisperx[85].end |
3372.287 |
| transcript.whisperx[85].text |
委員好部長跟您請教因為今天都要審查預算要跟您請教我們關於我們的稅捐的稅入那在籌編今年度因為去年編今年度的稅入預算的時候你是用怎麼樣子的經濟成長的基礎在計算跟委員報告在籌編115年的一個稅入預算的時候其實在那當時 |
| transcript.whisperx[86].start |
3373.907 |
| transcript.whisperx[86].end |
3374.327 |
| transcript.whisperx[86].text |
今年度的稅務預算 |
| transcript.whisperx[87].start |
3403.243 |
| transcript.whisperx[87].end |
3426.307 |
| transcript.whisperx[87].text |
只不過照過去的慣例跟照這個法令的規定應該是要去年年底以前就要審查完畢那你們編列預算是在去年的年初就開始編列所以你根據的是前年的資料嗎實際是會根據前年以及相關的資料你當時的GDP的估計你們編列的時候是 |
| transcript.whisperx[88].start |
3433.511 |
| transcript.whisperx[88].end |
3454.727 |
| transcript.whisperx[88].text |
抓3點多%嘛對不對是要根據像比如說主計總處的預測值或其他經濟的一個智庫門的一些預測值實際是有很大的落差有落差之後去年我們的經濟成長到8點多因為年初的時候主計處的公佈跟這個後來的實際的GDP成長數有差很多那去年在編這個預算的時候你抓除了 |
| transcript.whisperx[89].start |
3462.11 |
| transcript.whisperx[89].end |
3477.659 |
| transcript.whisperx[89].text |
已經低估了去年度的經濟成長之外115年度的經濟成長你們也是抓更低抓2.4%但是你知道嗎我們台灣今年第一季經濟成長率是高達13.69 |
| transcript.whisperx[90].start |
3480.976 |
| transcript.whisperx[90].end |
3500.355 |
| transcript.whisperx[90].text |
所以就以政府的這個經濟成就的表現來看這幾年是很好的啦那因為台灣也是遇到好時機剛好我們在AI在這個晶片在這個IC產業上面我們有非常亮眼的表現出口 |
| transcript.whisperx[91].start |
3501.581 |
| transcript.whisperx[91].end |
3517.533 |
| transcript.whisperx[91].text |
大幅成長另外因為這些大的廠也要積極投資台灣那投資也是算入GDP裡面所以我們的經濟成長這兩年是很高的那請問你喔1到4月已經開始有實際的稅收了雖然預算還沒有審過啦1至4月跟去年同期來比較我們今年的稅收的實收數 |
| transcript.whisperx[92].start |
3526.721 |
| transcript.whisperx[92].end |
3542.442 |
| transcript.whisperx[92].text |
有增加嗎跟委員報告全國的稅客收入是10收1到4月是8450億而跟去年同期是增加了1370億這裡面最主要還是證交稅就增加了 |
| transcript.whisperx[93].start |
3544.564 |
| transcript.whisperx[93].end |
3561.419 |
| transcript.whisperx[93].text |
1035億這裡面是最大數那營業稅有增加到317億但是就中央而言中央而言那我們1到4月的實徵數是4715億比去年同期是減少了有沒有扣掉給地方統籌分配稅款已經扣掉了中央統籌分配稅款你說 |
| transcript.whisperx[94].start |
3563.721 |
| transcript.whisperx[94].end |
3577.647 |
| transcript.whisperx[94].text |
扣掉之後我們只有增加這樣我們是4715億比去年同期是減少17億但是事實上跟委員報告如果不是因為證交稅能夠增加到1035億我們的營業稅其實因為財化法的修正94%都到地方所以營業稅我們是減收1029億的 |
| transcript.whisperx[95].start |
3588.012 |
| transcript.whisperx[95].end |
3610.921 |
| transcript.whisperx[95].text |
所以你那個比較的基礎不一樣嘛原來是營業稅在中央你現在又把營業稅把它算到地方去所以你那個基礎不一樣我說如果在同樣的基礎來比較的話你有沒有比較過同樣的基礎來比較我覺得應該用全國數比較是會比較精準的全國數是增加1370億就是大概增加了19點多%將近20%對19.3%好那所以我覺得最大的問題是 |
| transcript.whisperx[96].start |
3618.021 |
| transcript.whisperx[96].end |
3646.349 |
| transcript.whisperx[96].text |
今年的收入啊這個稅 稅入的部分尤其是證交稅的關係時收應該會增加很多會比你去年年初開始在編列今年度的稅率預算會增加很多會的 因為我們當時估證證交那個證交日均量都是4300億的日均量那事實上我們現在看起來1月2月分別是9000多億3月破兆 |
| transcript.whisperx[97].start |
3646.869 |
| transcript.whisperx[97].end |
3674.819 |
| transcript.whisperx[97].text |
那四月也有破兆的機率那所以整個因為日均量的成長所以在證交稅的部分會增加你講的破兆不是只有集中交易不是只有那個上市公司喔你如果再加上OTC恐怕都還不止喔五月如果這個交易再加上OTC然後再讓企鵝鄰股交易加一加可能都每一天平均我看都破一兆三千億以上 |
| transcript.whisperx[98].start |
3675.659 |
| transcript.whisperx[98].end |
3693.733 |
| transcript.whisperx[98].text |
是的我跟委員報告我剛剛那個數據事實上是涵蓋了上市上櫃和新櫃對啊破照從一照到一照9999億都是破照啊那所以你的破照是破到哪裡啊破照的話跟委員報告4月份是一照1606億那5月份到18號為止是一照5000多億 |
| transcript.whisperx[99].start |
3699.117 |
| transcript.whisperx[99].end |
3716.057 |
| transcript.whisperx[99].text |
所以我跟你講五月破一兆三千億以上因為我自己大概有在統計我自己用出錢的統計的概念所以你這個證交稅如果跟時收數跟預算數會有很大的差距 |
| transcript.whisperx[100].start |
3717.766 |
| transcript.whisperx[100].end |
3740.358 |
| transcript.whisperx[100].text |
因為這個我們當時的股市的估計日均量跟現在有很大差距那我想這個部分在審議預算的時候可以進一步討論本席會提一個案我希望你們能夠支持就是我要把證交稅的部分增加5700億元照現在的數目再增加5700億元我覺得一定會達到這個數字希望你們能夠支持這樣好不好 |
| transcript.whisperx[101].start |
3744.819 |
| transcript.whisperx[101].end |
3767.875 |
| transcript.whisperx[101].text |
我想這個部分到我們討論的時候看看日經量的一個變化我們再來跟委員做一些討論然後按實際的一個情況因為一到五月整個來說是一兆零六百三十四億但單月份各不相同但是因為我們規模擴大點數擴大因為指數越大的時候那交易量一定會越大因為市值高嘛對市值高請你回座來請江行的原副總裁請原副總裁 |
| transcript.whisperx[102].start |
3780.004 |
| transcript.whisperx[102].end |
3800.99 |
| transcript.whisperx[102].text |
總裁請你說明一下今年央行的盈餘繳庫數字是我們剛才報告是兩千億左右這跟去年差不了多少我在財政委員會已經這麼多年每一年央行都很固定很穩定的在貢獻這個國庫其實也蠻辛苦的因為這兩千億 |
| transcript.whisperx[103].start |
3806.448 |
| transcript.whisperx[103].end |
3829.109 |
| transcript.whisperx[103].text |
因為每一年的說明都說這個收入不是一個絕對穩定的數目這個都可能會變動那你覺得今年有可能會變動嗎我們內部評估和主計總署以及行政院討論過因為我們根據我們過去的那種腳褲的經驗我覺得維持2000億是我們目前能夠做到的事 |
| transcript.whisperx[104].start |
3830.428 |
| transcript.whisperx[104].end |
3854.918 |
| transcript.whisperx[104].text |
對 我知道你繳2000億 這個我肯定我現在意思是說因為你們每一次來提說明的時候都會說這個央行的英語句有高度不確定性嘛 對不對那我現在不是要問你繳酷這個能不能做得到我認為你們做得到我本身就相信你們做得到那我是問說因為你們的每一次都說明說這個有高度的不確定性嘛那這個不確定性你可不可以跟我們說明一下 |
| transcript.whisperx[105].start |
3856.755 |
| transcript.whisperx[105].end |
3883.517 |
| transcript.whisperx[105].text |
我們的收入來源主要是我們的那個外匯資產的運用情形是那你可以看到美國的貨幣政策其實到底是升息或者降息其實或者是未來都還有很大的不確定因素沒有錯第二個我們看到國際的資金的變動情況也會導致整個國際市場的金融波動度會增加是它有存在很大的不確定性是 |
| transcript.whisperx[106].start |
3883.717 |
| transcript.whisperx[106].end |
3905.024 |
| transcript.whisperx[106].text |
第三個是就是說我們的支出方面其實我們也考慮到我們未來的貨幣政策的變動這都會影響到我們的很多的不確定性的考量了解那就針對你剛剛講的第一點請問就美國來升息還是來降息對央行的收入是哪一種是比較有幫助因為 |
| transcript.whisperx[107].start |
3906.34 |
| transcript.whisperx[107].end |
3918.142 |
| transcript.whisperx[107].text |
升息會帶動他的美債之利率那對未來的央行的持有美債的報酬率會增加會增加那央行持有美債的金額很龐大嗎 |
| transcript.whisperx[108].start |
3919.844 |
| transcript.whisperx[108].end |
3939.654 |
| transcript.whisperx[108].text |
因為它是一個很穩定的工具我們也應該多多持有這個穩定的工具而不是去買比較刺激的那個債券因為我們持有美債就是美債到期的時候我們會繼續去買新的美債所以那個金額其實都是蠻穩定的 |
| transcript.whisperx[109].start |
3941.535 |
| transcript.whisperx[109].end |
3959.741 |
| transcript.whisperx[109].text |
會不會受匯率變動的影響?剛剛講的是利率會不會受到台幣對美金的匯率影響?國際美元走勢當然是影響台幣匯率很重要的一個因素之一匯率的影響會不會影響到收入? |
| transcript.whisperx[110].start |
3961.233 |
| transcript.whisperx[110].end |
3984.065 |
| transcript.whisperx[110].text |
應該也是會啦只是匯率變動會影響到我們的匯兌的那個提列和那個收益的問題好謝謝你喔感謝喔謝謝謝謝我們結束吳秉瑞委員的質詢接下來請第三位賴士寶委員我們今天中場沒有休息所以如果有需要上洗手間大家各自調整喔 |
| transcript.whisperx[111].start |
3995.329 |
| transcript.whisperx[111].end |
4004.496 |
| transcript.whisperx[111].text |
謝謝主席以及各位先進有請金管委的陳副主委以及央行的顏副總裁來我們副主委顏副總裁 |
| transcript.whisperx[112].start |
4014.967 |
| transcript.whisperx[112].end |
4028.677 |
| transcript.whisperx[112].text |
兩位長官請問一下我看最近三年累計外資調節了超過一兆2024年賣超6900億我講股市方面2025年賣超了5900億昨天又匯出16億美金副總裁要不要講一下這是不是外資啟動大逃殺 |
| transcript.whisperx[113].start |
4045.133 |
| transcript.whisperx[113].end |
4072.323 |
| transcript.whisperx[113].text |
根據我們過去看到的資料外資它其實每個月它的操作或者是資金匯出就央行講我們觀察的是資金匯出了匯出路的情形它其實每個月的變動還蠻大的並沒有說單向的就是完全一直在匯出或一直在匯入對啦但是累積就匯出啊累積匯出比較多啊目前因為它主要還是反映在外資在股市的調節的情況 |
| transcript.whisperx[114].start |
4075.41 |
| transcript.whisperx[114].end |
4082.215 |
| transcript.whisperx[114].text |
我們外資到目前為止所有還是淨匯入我們在115年度它匯入了442億美金所以累計總淨匯入是3644億美金所以是說在這個整個來看而且在114年的時候它匯入了368億美金而113年也是378億美金 |
| transcript.whisperx[115].start |
4105.131 |
| transcript.whisperx[115].end |
4118.136 |
| transcript.whisperx[115].text |
去年會出多少?去年的話,368億美金匯入匯入368億美金?淨匯入?這裡怎麼賣超5,900?因為他們還是有在裡面的一個調節所以是說他們有匯出,整體而言是...昨天匯出16億美金,這差不多500億新台幣喔昨天的數字經過外匯降低 |
| transcript.whisperx[116].start |
4133.004 |
| transcript.whisperx[116].end |
4156.785 |
| transcript.whisperx[116].text |
是 我們看一下昨天的話就是我們如果這樣子累計這樣累計起來的確的確是說我們從3月2號也就是228之後這個所謂的伊朗的這個美伊的事變之後呢的確外資大家這邊累計的賣超是這個台幣的74207千多億嘛7千多億所以他們看壞台股 |
| transcript.whisperx[117].start |
4158.185 |
| transcript.whisperx[117].end |
4177.919 |
| transcript.whisperx[117].text |
知道没有因为呢我们在最近来看的话其实外资又转回买入就是说其实现在可能是在一个相形整理了相形整理前面有一段的时候的确是因为这一个所谓的这个调节以及台股在其实我们台股从去年到现在涨了将近38%到40多% |
| transcript.whisperx[118].start |
4180.541 |
| transcript.whisperx[118].end |
4188.137 |
| transcript.whisperx[118].text |
所以是說呢在這個時間點做一些相形的調整我想外資這是一個正常的一個方案這個是很正常所以台股你不配官 |
| transcript.whisperx[119].start |
4190.157 |
| transcript.whisperx[119].end |
4192.818 |
| transcript.whisperx[119].text |
跟美國的本益比呢?美國的本益比多少?韓國的本益比多少? |
| transcript.whisperx[120].start |
4217.52 |
| transcript.whisperx[120].end |
4220.401 |
| transcript.whisperx[120].text |
美國26 韓國21所以是說我們介於美韓之間介於美韓之間我們是29.25我們都比他們高我們介於他們中間所以我們現在是要居高思文 |
| transcript.whisperx[121].start |
4242.288 |
| transcript.whisperx[121].end |
4265.499 |
| transcript.whisperx[121].text |
在目前的為止來看的話目前為止來看其實我們看這個股市而言我們是挑時沒有偏時所謂挑時不偏時的意思就是說其實在一個市場經濟上面他們都會挑好的一些股那當然台積電一支獨上之後現在都挑時了都挑台積電內股兩位請回我要請財政部的專部長 |
| transcript.whisperx[122].start |
4275.814 |
| transcript.whisperx[122].end |
4285.083 |
| transcript.whisperx[122].text |
我也好部長你們要推動公併民了嗎是不是要推動第三次軍改啊原來陳水扁當總統二次軍改搞得現在外界批評很多 |
| transcript.whisperx[123].start |
4291.917 |
| transcript.whisperx[123].end |
4309.249 |
| transcript.whisperx[123].text |
國票金的關股花了400到500億左右董事拿了8席 民股拿了7席那為何關股還要支持耐斯集團的人出任副董事長現在范關股除了荷蘭有副董事長 |
| transcript.whisperx[124].start |
4311.029 |
| transcript.whisperx[124].end |
4330.555 |
| transcript.whisperx[124].text |
那他有歷史的淵源不一樣華蘭銀行原來的林明成他持股就非常多他的情況不一樣其他的反光股沒有副董事長只有華蘭有而且我們立法院92年5月31日就決議在這裡有一個歷史提案通過了 |
| transcript.whisperx[125].start |
4335 |
| transcript.whisperx[125].end |
4355.311 |
| transcript.whisperx[125].text |
就是股東會改選董事監察人公股股權代表不得支持非公股代表提案人是民進黨的立委同意了這個案子通過了然後我今天就提一個案根據這樣的精神我們不要讓人家感覺有脫離 |
| transcript.whisperx[126].start |
4362.822 |
| transcript.whisperx[126].end |
4384.528 |
| transcript.whisperx[126].text |
民間政府的錢這麼多投下去我政府的既然公股選股東選董事我就只能投自己所以董事選董事長就只能投自己不要去投特定的一個民間的代表你覺得怎麼樣 |
| transcript.whisperx[127].start |
4386.618 |
| transcript.whisperx[127].end |
4397.947 |
| transcript.whisperx[127].text |
委員我想對於國票金這個案子首先我要說明對於這個董事席次的一個提名股東是根據股權實力去提名那在5月29號股東會完成董事改選以後 |
| transcript.whisperx[128].start |
4403.992 |
| transcript.whisperx[128].end |
4431.405 |
| transcript.whisperx[128].text |
當然必須根據國票金的章程國票金控的章程公司法的相關規定去做後續的一個派任做後續的派任那至於副董事長在目前來說在國票金的章程裡面本身就有副董事長這個職位那至於後續他們董事會召開的時候如何選任當然這個部分我們必須要尊重公司治理我想這個委員你剛剛提到的法院的決議是在於在董事跟 |
| transcript.whisperx[129].start |
4432.685 |
| transcript.whisperx[129].end |
4446.15 |
| transcript.whisperx[129].text |
監察院選任的時候總統不能支持民主我今天就進一步提案啊叫你們的黨是不可以去支持民主代表你們就只能支持自己或者你不投票讓他們自己競爭 |
| transcript.whisperx[130].start |
4447.87 |
| transcript.whisperx[130].end |
4473.702 |
| transcript.whisperx[130].text |
華蘭銀行也是他們自己競爭你們不要介入介入就讓人家覺得這裡面有沒有官商勾結啊有沒有土利的問題啊第一個我想國票金這個部分財政部並不是屬於財政部的投資事業財政部也沒有派任董事而是我們泛公股事業他們根據相關的法律完成提名的那這涉及到公司的智能而且泛公股也都是上市公司董事長你們派的張照順嘛 |
| transcript.whisperx[131].start |
4476.423 |
| transcript.whisperx[131].end |
4493.813 |
| transcript.whisperx[131].text |
不管怎麼樣 張昭順你們派 我覺得OK總經理你們派 也是OK 如果是你們派 或者是給民工可是再怎麼樣 這個投票的時候不能夠你們的董事去投民間的董事人家說是你們掛鉤啊 官民掛鉤勾結啊 |
| transcript.whisperx[132].start |
4495.814 |
| transcript.whisperx[132].end |
4512.711 |
| transcript.whisperx[132].text |
很難聽喔!相關的董事是由股東大會選出來的我想這個部分我們必須要尊重整體的公司治理我會講你的立場啊!你們的關乎代表的董事的一個動作來要寫一個提案不可以去投! |
| transcript.whisperx[133].start |
4513.752 |
| transcript.whisperx[133].end |
4533.507 |
| transcript.whisperx[133].text |
不是關股代表 你就自己去投我們的立場就是請我們的公股事業對他所推派的一個董事席是必須要去強化國票金的公司自己的經營技巧然後我們要確保投資效益你這個講官話啦當然他沒有問你的意見啊你一定問部長的意見啊我們來看馬英九 蔡英文他們總共住了16年 |
| transcript.whisperx[134].start |
4544.11 |
| transcript.whisperx[134].end |
4565.883 |
| transcript.whisperx[134].text |
他們都不敢再講金蓋二次金蓋結果賴總統上任滿二年就做了這個是圖利民股耶要為了國票金合併張映我們覺得好奇怪當初張映在趕走台新金啊現在因為國票金張映董事長哪裡沒有張映董事長 |
| transcript.whisperx[135].start |
4568.243 |
| transcript.whisperx[135].end |
4590.307 |
| transcript.whisperx[135].text |
張穎董事長還沒有 張穎董事長國票金什麼時候要併張穎了我們都不知道有國票金要併張穎啊有嗎 沒有啊 我們都不知道外面不斷的傳說國票金這一次關股介入就是循著這個模式要併張穎你張穎的董事長你要講個話委員好 目前張穎這邊無所稀 |
| transcript.whisperx[136].start |
4596.963 |
| transcript.whisperx[136].end |
4602.346 |
| transcript.whisperx[136].text |
沒有接到任何訊息,這個傳卻是媒體這邊傳的,是報派傳的報派,不然你要表態一點,你說不歡迎啊你要講話啊,你說不歡迎啊,你表態啊我目前做得很好,而且是以小變大,國票金這麼小,要變李彰穎這麼大當初台信記把他被趕走也是這個理由啊 |
| transcript.whisperx[137].start |
4625.964 |
| transcript.whisperx[137].end |
4637.167 |
| transcript.whisperx[137].text |
目前張宇還是自己做內部成長那對於未來這個可能性我想我們到時候如果有任何可能我們再去做評估 |
| transcript.whisperx[138].start |
4642.934 |
| transcript.whisperx[138].end |
4655.421 |
| transcript.whisperx[138].text |
委員 我想還是要等國票金改選以後 讓他強化公司治理停生定義及挑戰後援所以不排除這個可言嗎 你講真的話沒有所謂的圖利民調 委員不要在這邊下這樣的一個定義最後一個小問題 你對於台圖書 我們在這裡講了半天 剛才也有委員提到 |
| transcript.whisperx[139].start |
4665.106 |
| transcript.whisperx[139].end |
4681.785 |
| transcript.whisperx[139].text |
提高午餐會 殖民生育補助 員工理財信託都沒有落實你只有一個嘉興 那個生地貸多少錢 那個是跟中政府一樣的其他通好沒有落實 難怪留不住人才啊好 這個部分就請...不不不 請講一下 講一下 |
| transcript.whisperx[140].start |
4684.912 |
| transcript.whisperx[140].end |
4709.847 |
| transcript.whisperx[140].text |
謝謝委員一直非常的一個對我們的公股事業的一個福利的一個重視那對於每台十萬塊這個部分已經完成了那持續後面我們也報行政院我們會持續跟你講我們不分朝野我們時間到不分朝野絕對對這件事情繼續追只要你不問我們就一直追謝謝賴委員我們今天質詢的人比較多來謝謝我們接下來請第三位第四位郭國榮委員 |
| transcript.whisperx[141].start |
4717.682 |
| transcript.whisperx[141].end |
4718.39 |
| transcript.whisperx[141].text |
謝主席 有請部長 |
| transcript.whisperx[142].start |
4726.107 |
| transcript.whisperx[142].end |
4753.59 |
| transcript.whisperx[142].text |
委員好部長好我想今天討論最多應該就是有關於這個國票金的案子那到底會不會公民病還是民工病到底是病還是被病這其實今天要討論一下但現階段來說可能是言之過早眼前要先面對的是委託書收了怎麼樣目前我得到的訊息我們關股這邊收到委託書那個部長你有掌握嗎 |
| transcript.whisperx[143].start |
4756.103 |
| transcript.whisperx[143].end |
4772.996 |
| transcript.whisperx[143].text |
這個部分是我們各泛工股事業他們去因為我們財政部但是財政部是總操盤手你有把握嗎是有把握把握我們的希望是股東大會能夠順利完成你沒有掌握你怎麼把握呢到底現在幾%所以幾%多少這個部分因為是泛豐股他們去做的你要會診啊你都沒有講不出數據我都查得到8.7%啊你居然會查不到到底幾% |
| transcript.whisperx[144].start |
4787.824 |
| transcript.whisperx[144].end |
4808.392 |
| transcript.whisperx[144].text |
8.7數不數實啊你都沒有掌握你怎麼把握委託書是一個重要的關卡如果民間的所有這些股東要串聯起來要給你翻桌是有可能的不是說你當初協議了8331就可以完成 |
| transcript.whisperx[145].start |
4810.881 |
| transcript.whisperx[145].end |
4817.903 |
| transcript.whisperx[145].text |
講一個數字到底多少還在齊齊處處9%那民間的大概有幾%要掌握敵情啊票還沒有開出來大概不曉得誰是敵誰是友啊怎樣 查出來沒有 |
| transcript.whisperx[146].start |
4831.724 |
| transcript.whisperx[146].end |
4850.18 |
| transcript.whisperx[146].text |
沒有啊 我們不會去查人家的你要掌握市場的狀況來 不是查他啊你沒有掌握 你怎麼如何把握這問題在這邊嘛你如果8331被翻盤了 有沒有這個可能性部長 有沒有信心 有沒有可能造血一走 |
| transcript.whisperx[147].start |
4851.502 |
| transcript.whisperx[147].end |
4871.945 |
| transcript.whisperx[147].text |
是同和競選啊同和競選所以說按照協議進行不會有任何問題也是當時按照股權的實力去做配置的如果是同和競選按照這種可能性不會變的話那麼已經確定一個態勢也就是說接下來國票它目前的趨勢就是供股化對不對 |
| transcript.whisperx[148].start |
4873.991 |
| transcript.whisperx[148].end |
4899.013 |
| transcript.whisperx[148].text |
如果是供股化的話 大家不免會遇到說下一階段有沒有可能國有化如果有國有化的話 就不可能變成張宇的那種模式了嘛張宇你是被併欸 國票你是併人家欸怎麼會可以忍同類比呢 完全不同啊剛剛那個張宇董事長上來 起起之之烏烏搞不清楚狀況我跟你說 如果說可以併國票 為什麼不能併 |
| transcript.whisperx[149].start |
4900.114 |
| transcript.whisperx[149].end |
4918.229 |
| transcript.whisperx[149].text |
有兩種可能性嘛一種是規模化的可能一種是互補性的考量規模化的考量的部分呢你可以跟核庫併你可以兆豐併把規模擴大嘛另外一個互補性呢你就是可以跟張銀併或者是跟台企銀併把它形成另一個淨控 |
| transcript.whisperx[150].start |
4920.047 |
| transcript.whisperx[150].end |
4939.937 |
| transcript.whisperx[150].text |
這兩種可能性對不對部長我想委員剛剛的一個提示都很好這都是先要把國票金的一個經營權穩定以後強化公司治理後續讓它怎麼樣的經營規模更具有效益這是下階段的考量當然委員剛剛提的這幾項都非常重要也是我們很重要的一個參考規模化嘛不然就互補化嘛對不對就這兩種考量嘛主要是這樣子嘛 |
| transcript.whisperx[151].start |
4945.74 |
| transcript.whisperx[151].end |
4960.436 |
| transcript.whisperx[151].text |
所以所有的這個從公股化到國有化的情況底下這個走的方向基本上可能就會形成一個比較大的規模的一個公股的一個金控或者是一個新的金控嘛最後的結局是這樣子嘛 |
| transcript.whisperx[152].start |
4961.844 |
| transcript.whisperx[152].end |
4981.261 |
| transcript.whisperx[152].text |
讓它更具有規模嘛 對不對如果是這樣子的話關鍵的職務大家比較關注的部分還是那副董事長那人事的安排接下來副董事長他裡頭的權責會不會化解外界的疑慮這恐怕是之後 更之後部長 您的智慧要去化解了 |
| transcript.whisperx[153].start |
4981.801 |
| transcript.whisperx[153].end |
5002.999 |
| transcript.whisperx[153].text |
你會不會考慮面對這個問題我想會 我們也會考量因為這是公司內部的治理當然會等於經營團隊組成以後你要國有化就是你的責任啊不會變成國有化啦不是啦 我是新國有化啦應該是新國有化 佔比是50%以下啦我的概念是這樣子啦是啦 不會變國有 |
| transcript.whisperx[154].start |
5004.14 |
| transcript.whisperx[154].end |
5029.54 |
| transcript.whisperx[154].text |
不是國有化不是百分之百的台營化啦我知道啦我是概念上是這樣子啦好不好如果是這樣子的話你也會注重這職務的安排嘛對不對職務的安排就是副董職務的安排那角色嘛你剛剛講是這樣子嘛這個部分我想還是回到他們公司內部的營業公司會去治理這個公股就是你們管理你們還是要去關心啦好接下來那個部長署長請回啦那個部長有關於這營業稅的後續齁 |
| transcript.whisperx[155].start |
5031.121 |
| transcript.whisperx[155].end |
5044.338 |
| transcript.whisperx[155].text |
本席在修了之後有受到許許多多的懲罰也就是說目前法條上營業稅的部分只有包括職業表演跟電影的部分約莫稅損大概只有17% |
| transcript.whisperx[156].start |
5047.262 |
| transcript.whisperx[156].end |
5073.818 |
| transcript.whisperx[156].text |
但事實上真正的關鍵其實在財政部公告的這個稅增的這個項目裡頭有高達20項而這20項當中呢簡單的講就是說你在外面聽演唱會不用繳稅可是呢你到了飯店KTV卡拉OK唱歌你自己唱反而要繳稅然後你看電影呢可能不用繳稅可是你自己跑去看NTV呢反而要繳稅然後你去網咖呢現在也沒有剩下幾個你網咖上網 |
| transcript.whisperx[157].start |
5076.58 |
| transcript.whisperx[157].end |
5091.634 |
| transcript.whisperx[157].text |
用電腦搞不好也要繳稅也就是說呢到底這個公告的事項有沒有可能把這20項給廢除掉或何時廢除或何時再公告這個才是真正落實這一次娛樂稅法免稅的一個最重要的一個關鍵部長請說 |
| transcript.whisperx[158].start |
5092.955 |
| transcript.whisperx[158].end |
5115.203 |
| transcript.whisperx[158].text |
是 謝謝 謝謝委員我想以六歲的修法完成那後續對於財政部公告的一個課稅項目我們也盡快會在這個配合整個環境的一個變化來做檢討讓我們的稅是更合理化這部分我們會盡快再做已經也已經在做了盡快會把這邊免稅的部分把它做一個公告嗎做這個有關公告的項目重新去做調整我想這個部分會做那署長點頭這麼用力我就比較放心了是 謝謝委員幫外界一再陳情到底什麼時候 |
| transcript.whisperx[159].start |
5121.825 |
| transcript.whisperx[159].end |
5143.26 |
| transcript.whisperx[159].text |
請盡快好不好免得我們被質疑還有一個部分想要拿出來跟部長做討論的部長我想最近常常看到新聞財政部一直在提醒這一期的統一發票千萬大獎快到期了我大概每隔一段時間就會看到這個新聞結果一查我有點嚇到統一發票從100年開始開出1250個1000萬的特別獎 |
| transcript.whisperx[160].start |
5151.706 |
| transcript.whisperx[160].end |
5156.475 |
| transcript.whisperx[160].text |
居然高達累期幾張你知道嗎?304張到期沒有人領喔304張喔就等於4張就有一張沒有人領喔 |
| transcript.whisperx[161].start |
5163.326 |
| transcript.whisperx[161].end |
5182.663 |
| transcript.whisperx[161].text |
基本上你當初統一發票為什麼會把它大獎化基本上你就把它彩券化的一個概念基本上它是一個鼓勵拿統一發票並不是把它彩券化的概念所以呢你把大獎變大把小獎變小這在民國八十年之後修改了經過了三十五年都沒有修改 |
| transcript.whisperx[162].start |
5183.737 |
| transcript.whisperx[162].end |
5200.01 |
| transcript.whisperx[162].text |
大獎變大結果沒人領小獎變小大家看不起也不想領我不曉得這個政策到底在幹什麼所以先接一段以前的兩百塊錢可以過兩天八十年的時候現在兩百塊錢搞不好吃一餐 |
| transcript.whisperx[163].start |
5201.631 |
| transcript.whisperx[163].end |
5216.422 |
| transcript.whisperx[163].text |
已經差這麼多了 部長你有沒有思考一下統一發票的這個給獎的金額35年之後的今天有沒有考慮一下要重新思考一下做個調整不要讓大獎沒人領小獎大家不願意領部長 |
| transcript.whisperx[164].start |
5218.832 |
| transcript.whisperx[164].end |
5243.802 |
| transcript.whisperx[164].text |
第一個我要跟各位跟委員報告我們希望就是大家能夠使用雲端發票然後把放入載具雲端發票是另一個途徑第二個如果這個獲得獎的沒有來領的話那他這個金額會滾到這個我們總金額裡面去有時候會我們會增加小獎的組數可是很多人就覺得沒有看到那個誘因啊我意思是說呢你現在領200塊真的太少了嘛 |
| transcript.whisperx[165].start |
5244.302 |
| transcript.whisperx[165].end |
5267.997 |
| transcript.whisperx[165].text |
那一千塊也沒有達到實質的效果嘛也就是說呢你之前呢是把大獎上修小獎下修本席是建議說是不是可能大獎下修小獎上修有沒有可能這樣子我想第一個就是總金額是按照那個法律規定總金額可以我現在在跟你談調配的問題啊然後我們增加您的意思就是增加小獎的主數增加小獎主數那小獎的金額要不要 |
| transcript.whisperx[166].start |
5269.778 |
| transcript.whisperx[166].end |
5286.743 |
| transcript.whisperx[166].text |
主訴是一個概念本席剛剛跟你討論是金額嘛到80年的時候200可以吃兩天嘛現在200吃一餐嘛你會減少誘因啦不願去對嘛就是你聽不懂我的意思嗎聽得懂那我想委員您的意思我們是不是重新再來檢討規劃一下規劃一下嘛35年時間到了嘛最後一題我們問一下有關於台酒的主席我待會點點時間 |
| transcript.whisperx[167].start |
5294.705 |
| transcript.whisperx[167].end |
5320.77 |
| transcript.whisperx[167].text |
因為我們之前花了很多的心思跟努力有關於這個台酒的部分有關中國啤酒傾銷變成反傾銷的部分麻煩回去思考一下第一個呢台酒目前的整個產能有一些廠房的產能是下降的特別主力的這個部分那第二個呢我們反傾銷實施八個月之後到底市佔率的部分有沒有變化有沒有產生變化台酒有沒有因此而提升這是第一個 |
| transcript.whisperx[168].start |
5321.63 |
| transcript.whisperx[168].end |
5342.241 |
| transcript.whisperx[168].text |
第三個我們看得到外商的部分政策上有調整他把生產基地做一個調整還有一個部分甚至考慮來台灣來進行設廠這個都是需要去因應的到底我們這個政策下去在五年之間會不會讓整個市場可以做一個變化這才是我們真正的政策目標這一個部分部長 |
| transcript.whisperx[169].start |
5343.061 |
| transcript.whisperx[169].end |
5355.73 |
| transcript.whisperx[169].text |
您就回去稍微研究一下請台九寫一份報告給本席本席想要做進一步的了解好 我們以書面來答覆委員謝謝我們結束郭國麟委員的舉行現在請林黛嬅委員有請部長 |
| transcript.whisperx[170].start |
5373.699 |
| transcript.whisperx[170].end |
5402.368 |
| transcript.whisperx[170].text |
好來這個國安問題從軍購我們現在最夯的就是在講少子化拯救少子化從有感加薪開始拒絕無效的補貼全面啟動加薪抵稅2.0的這個政策難途好這個在本席的這個總諮詢當中已提出來了10年少子化的政策5000億的補貼結果是什麼台灣成為全球生育率最低的國家 |
| transcript.whisperx[171].start |
5403.547 |
| transcript.whisperx[171].end |
5426.017 |
| transcript.whisperx[171].text |
高房價低所得就是最強的避孕藥所以高房價的部分本席在這個總時局當中有提出建議今天就針對低所得的部分跟你來做討論學代 信代 車代 三代同堂搞得我們年輕人不生好像就是一種善良我們的年輕人的負擔多大呢在2024年的統計 撫養比是高達44%每100名的工作人口需要撫養44名的 |
| transcript.whisperx[172].start |
5433.34 |
| transcript.whisperx[172].end |
5455.274 |
| transcript.whisperx[172].text |
老跟幼所以年輕人如果自己養不起的話怎麼敢生孩子呢我的長輩我如果沒有養不起的話我怎麼敢生孩子呢另外針對勞工薪資停滯跟分配不均少子化的國安義的危機就不無解了 |
| transcript.whisperx[173].start |
5455.734 |
| transcript.whisperx[173].end |
5471.323 |
| transcript.whisperx[173].text |
好 我們之前我也提出不要再用平均數來粉飾太平真實的實情是在中位數經常性的薪資中位數才3.9萬有將近七成的受僱薪資低於平均值是4.8萬 |
| transcript.whisperx[174].start |
5474.084 |
| transcript.whisperx[174].end |
5502.563 |
| transcript.whisperx[174].text |
經濟成長的果實是沒有共享的也就是有七成的受雇者六百萬的勞工他是低於你的平均值四點八萬的好在通膨下人均這個GDPR超越日韓這個非常漂亮我們今年的第一季的成長率可以高達多少百分之十三點六九這是很驚人在放豬全球來講這是非常驚人的成長率 |
| transcript.whisperx[175].start |
5503.884 |
| transcript.whisperx[175].end |
5508.289 |
| transcript.whisperx[175].text |
全年我們也預估大概有7-8%之間好 這個市值再來看114年度中央政府總預算案的整體評估報告這是政府寫的喔也說到實質薪資成長有限 |
| transcript.whisperx[176].start |
5521.121 |
| transcript.whisperx[176].end |
5531.072 |
| transcript.whisperx[176].text |
及普遍低薪的問題尚有改善上面這句話經濟成長率跟114年的中央政府總預算的整體評估報告這兩個都是台灣的現況 |
| transcript.whisperx[177].start |
5536.098 |
| transcript.whisperx[177].end |
5545.226 |
| transcript.whisperx[177].text |
那表示什麼 我這600萬的勞工沒有辦法享受你高成長率13.69%的這樣的成長率啊所以中位數的勞工的實質購買率他面對電價漲 油價漲 物價漲甚至我們還有一段時間買不到塑膠袋這樣的通膨等等的因素侵蝕之下他們其實是沒有辦法好好生活也僅能勉強生存 |
| transcript.whisperx[178].start |
5561.559 |
| transcript.whisperx[178].end |
5564.883 |
| transcript.whisperx[178].text |
好 政策上是怎麼的傾斜政府對大企業是極度的慷慨對勞工是吝嗇無比我們就以113年度 廠創條例我們讓利給大企業研發多少錢 801億喔 |
| transcript.whisperx[179].start |
5577.751 |
| transcript.whisperx[179].end |
5604.338 |
| transcript.whisperx[179].text |
我們同年度的中小企業發展條例加薪減稅才給中小企業多少錢1.31億1.31億的加薪抵稅平均就給我全台160萬家的中小企業一家分不到幾百塊這個成效是極差的顯然我們這樣的加薪抵稅對企業老闆是毫無加薪的誘因 |
| transcript.whisperx[180].start |
5605.578 |
| transcript.whisperx[180].end |
5616.081 |
| transcript.whisperx[180].text |
好缺乏誘因不是因為沒有錢而是資源放錯位置再看看去年我們的超增國家有沒有錢很有錢啊超增5283億啊另外一邊我們113年才拿1.3億給中小企業來加薪抵稅而已好這個政策可要大大的檢討了所以本席有兩個建議在加薪抵稅的升級版 |
| transcript.whisperx[181].start |
5632.145 |
| transcript.whisperx[181].end |
5651.137 |
| transcript.whisperx[181].text |
精準解決青年生養的問題兩軸心第一個雙倍讓利驅動加薪第二個提高年齡門檻到逝婚期用對待科技業的誠意把資源精準引導給最需要成家立業的年輕族群好第一個 |
| transcript.whisperx[182].start |
5651.937 |
| transcript.whisperx[182].end |
5677.543 |
| transcript.whisperx[182].text |
核心一月薪未達6.5萬的企業底稅升到200%也就是我企業願給你加薪一萬塊我就有兩萬塊的底稅額才能解決目前現行無感的政策薪資6.5萬以下的基層員工加薪政府直接給企業200%的雙倍加成底稅換取企業的實質加薪第二個 |
| transcript.whisperx[183].start |
5678.243 |
| transcript.whisperx[183].end |
5695.471 |
| transcript.whisperx[183].text |
建議二企業底稅200%私用年齡提升到35歲台灣男性結婚的高峰是31到35歲女性的結婚高峰是26到30歲所以成家立業的做破竊的需求我應該從24歲以下的 |
| transcript.whisperx[184].start |
5698.772 |
| transcript.whisperx[184].end |
5722.271 |
| transcript.whisperx[184].text |
百分之兩百的抵稅額提升到只要35歲以下我的員工是35歲以下我願意給他加薪我就讓這個企業也能夠抵稅這個才能實質的回饋啊所以政策必須對準下要將加成抵稅的適用年齡提高到35歲讓資源精準輸送給面臨趕婚趕生的青年族群好我就 |
| transcript.whisperx[185].start |
5723.673 |
| transcript.whisperx[185].end |
5728.318 |
| transcript.whisperx[185].text |
總結做一個這個政策的對比現況跟本席的建議從施捨性的讓利到國安跟投資現況是我這個加薪抵稅抵稅率是175%只針對6.5萬以下我的建議是只要6.5萬以下的月薪的我都200%的雙利讓利 |
| transcript.whisperx[186].start |
5745.675 |
| transcript.whisperx[186].end |
5751.478 |
| transcript.whisperx[186].text |
那私用年齡呢現在是24歲以下能夠抵稅為什麼要針對24歲以下因為他的目標是針對剛畢業職場新鮮人但本行認為你應該針對提高到35歲以下你只要有員工35歲以下我願意給這樣的員工加薪我就抵稅200%因為這時候是適婚跟成家立業期 |
| transcript.whisperx[187].start |
5770.626 |
| transcript.whisperx[187].end |
5775.35 |
| transcript.whisperx[187].text |
從過往的這個杯水車薪的補貼到針對少子化併造的精準打擊好最後這個我們國家有錢啊釋放了這麼多的超增稅收所以本席的兩個建議雙倍讓利驅動企業加薪35歲以下的青年實質所得提升所以今天回顧我為什麼少子化這個高房價低所得 |
| transcript.whisperx[188].start |
5798.948 |
| transcript.whisperx[188].end |
5817.994 |
| transcript.whisperx[188].text |
高負債率本席就針對低所得這件事情來提出本席的方案希望我們的年輕人具有生養及成家的底氣解放少子化的國安危機但請部長 如果你等一下的回應告訴我說這個會稅收損失喔這樣的藉口本席是不能接受的 |
| transcript.whisperx[189].start |
5822.955 |
| transcript.whisperx[189].end |
5842.9 |
| transcript.whisperx[189].text |
好 那這個部長您回應吧 您針對這樣的兩個方案 您怎麼看呢謝謝委員提出了一個方案 我想還是要先跟委員報告就第一個沒有所謂的超徵 是我們的實徵數超過預算數那我們稅收都是按照法律來課徵的 不是所謂的超徵 |
| transcript.whisperx[190].start |
5843.76 |
| transcript.whisperx[190].end |
5866.13 |
| transcript.whisperx[190].text |
那在一百一十三年呢我們中央的部分事實上超過預算數是三千七百五十七億沒有到達五千億五千億是全國因為包含地方稅收我先這一個那第二個對於對於委員的剛剛的一個提案的一個方案所提的方案也要跟委員報告針對於這些青年朋友們我們 |
| transcript.whisperx[191].start |
5867.811 |
| transcript.whisperx[191].end |
5883.289 |
| transcript.whisperx[191].text |
行政院已經整理了整個一個整套的一個整體的一個戰略方案那這個戰略方案裡面從對家庭對青年朋友從生育養育到一直到教育等等以及職場的友善都提出一個完整的方案我想這個部分未來會對這個社會做做報告 |
| transcript.whisperx[192].start |
5887.674 |
| transcript.whisperx[192].end |
5895.276 |
| transcript.whisperx[192].text |
或者是你的加薪抵稅是針對什麼加薪抵稅嗎整個方案出來以後也許各位可以再做討論我想可以各做討論 那個是一個整體性 整面性好 那你跟本席講 我清楚問了如果你現在方案沒有公佈 那你告訴我在低所得的部分你怎麼提升 |
| transcript.whisperx[193].start |
5912.932 |
| transcript.whisperx[193].end |
5925.821 |
| transcript.whisperx[193].text |
政府在這個資源如果財政資源充裕的情況下會針對真正需要的低所得中低收入的會做更大的挹注低所得中低收入付等等會做更加薪抵稅目前也有在一些相關的實施當中所以沒有加薪抵稅在你的整個方案當中還是用補貼的思維來做我們下一階段少子化的政策嗎 |
| transcript.whisperx[194].start |
5943.793 |
| transcript.whisperx[194].end |
5947.537 |
| transcript.whisperx[194].text |
養目前都是補助而我補助了十年花了五千多億結果變成台灣是全世界生育率最低的國家還要繼續補貼嗎那已經跟你講明了我們少子化的原因就是你的高房價這是首列第一嘛 |
| transcript.whisperx[195].start |
5962.432 |
| transcript.whisperx[195].end |
5988.581 |
| transcript.whisperx[195].text |
第二個是你的低所得嘛第三你的高負債比嘛那本席先針對你的這個高所得你總不能再道德倡議啊好 那每個企業鼓勵你加薪啊你要有政策手段啊所以本席告訴你這樣的政策手段啊好 那是不是一個月一個月內提出中小企業發展條例的加薪抵稅本席所提的這個方案有一個評估報告可以嗎 |
| transcript.whisperx[196].start |
5990.759 |
| transcript.whisperx[196].end |
6008.708 |
| transcript.whisperx[196].text |
我們可以跟經濟部一起來討論這個原因因為中華企業發展條例是屬於經濟部的他說說要看你啊 因為他說稅收啊 稅損啊他要看你啊 所以不要互推我們一個月內給您報告 好 謝謝好 謝謝林代化委員 接下來請賴慧瑋委員 謝謝謝謝主席 那個請財政部部長尹春部長 |
| transcript.whisperx[197].start |
6024.582 |
| transcript.whisperx[197].end |
6024.905 |
| transcript.whisperx[197].text |
我也要好 |
| transcript.whisperx[198].start |
6026.994 |
| transcript.whisperx[198].end |
6054.335 |
| transcript.whisperx[198].text |
部長早安我想延續那個代化委員的這個少子化的議題這個其實也不是只有財政部應該解決這樣的一個議題然後這個是一個跨部會應該大家共同去面對的可是我們也希望就是從稅稅的部分裡頭可以著手就是少子化解決少子化的一個問題那我們看當今韓國的案例它事實上是值得我們借鏡 |
| transcript.whisperx[199].start |
6055.456 |
| transcript.whisperx[199].end |
6069.242 |
| transcript.whisperx[199].text |
其實生小孩就是國家的一個問題韓國在這兩年他本來是就是兩年前他是全球生意率最低的國家但是他最近這兩年開始回升了那他幾個 |
| transcript.whisperx[200].start |
6071.183 |
| transcript.whisperx[200].end |
6097.979 |
| transcript.whisperx[200].text |
幾個比較重大的一個政策他就是說把孩子的育兒津貼然後強化住宅的一個支持那也增加了一個托育的補助提供企業生意的一個誘因那他最重要是增加了一個稅務的一個優惠其實韓國的核心思維就是說生小孩不是家庭的問題是國家的問題那面對的台灣現在是全球生意率最低的一個國家我們怎麼樣借盡韓國增加 |
| transcript.whisperx[201].start |
6100.32 |
| transcript.whisperx[201].end |
6115.939 |
| transcript.whisperx[201].text |
這是讓大家就是國人喜歡生意的一個誘因提供資源往上生意我想財政部在因應少子化裡頭一定有相對的一個對策那相對的就是說我們希望就是說那個部長 |
| transcript.whisperx[202].start |
6118.121 |
| transcript.whisperx[202].end |
6139.422 |
| transcript.whisperx[202].text |
你針對的就是說在這個標準作法就是說在六歲以下你可以有幼兒學前的那個特別扣除額那我在這裡想請教部長就是說你認為這些扣除額在賦稅上的一個優惠有沒有辦法改善這個少子化的原因請部長回應我這幾個議題 |
| transcript.whisperx[203].start |
6141.863 |
| transcript.whisperx[203].end |
6163.659 |
| transcript.whisperx[203].text |
是 謝謝 謝謝委員我想少子化這個問題是已經是國安問題了行政團隊都非常的重視而近期會提出有關整體的一個整體的戰略的一個方案那您剛剛有提到就是幼兒學前特別扣除的部分也已經修法在提高了在第一胎的部分他可以減幼兒學前特別扣除一個孩子是15萬而第二胎第三胎則加50%是達到22.5萬 |
| transcript.whisperx[204].start |
6170.744 |
| transcript.whisperx[204].end |
6174.729 |
| transcript.whisperx[204].text |
這個部分事實上是可以減輕育兒家庭的一個稅負的一個負擔我想這個當時就已經達到這樣的一個希望能夠達成這樣的一個目標那也會持續的我們會來做跟大家宣導你認為夠不夠啦這個 |
| transcript.whisperx[205].start |
6185.88 |
| transcript.whisperx[205].end |
6207.468 |
| transcript.whisperx[205].text |
除了這個稅之外,我跟委員報告剛才提過整體性的一個方案就從生育養育到教育政府會做一個整體的一個配套因為除了稅之外,還有我們要讓這些家庭裡面可以得到實際的一個資源除了錢之外還有環境的友善讓他們的一個優惠有沒有辦法再增加 |
| transcript.whisperx[206].start |
6208.948 |
| transcript.whisperx[206].end |
6235.29 |
| transcript.whisperx[206].text |
能不能再增加這個部分當然因為已經還剛實施嘛113年才調整的稅在未來今年甚至到明年我們可預期你都有辦法這個超收超過5000億以上的這個稅金那這些稅金我們是不是可以用來就是說在這個生小孩是國家的一個問題上面我們共同的來解決這一個問題就是針對你的稅的部分 |
| transcript.whisperx[207].start |
6239.305 |
| transcript.whisperx[207].end |
6246.788 |
| transcript.whisperx[207].text |
稅收來以後會進入國庫國庫做資源的配置那在資源配置上在強化有關對於養育教育家庭的一個負擔上可以去讓他做有關的減負擔而且增福利那在環境上面育兒的職場環境裡面能夠做更友善 |
| transcript.whisperx[208].start |
6257.291 |
| transcript.whisperx[208].end |
6264.896 |
| transcript.whisperx[208].text |
讓父女朋友們以及家長們可以有更好的一個友善的一個待遇越來越有這樣的一個思維那我們如果用現行的這個租稅的一個制度對幼兒支持我還是要再問你夠不夠就是說我們小朋友在學前特別扣除我的一個現況其實現在第一個小孩我們是15萬第二個 |
| transcript.whisperx[209].start |
6280.506 |
| transcript.whisperx[209].end |
6303.247 |
| transcript.whisperx[209].text |
是22.5萬元可是這一個稅法其實已經是成立了太久了物價早就是跟那個當年沒有相同了那你看那個奶粉價格也上升了托育費也增加了黃租稅也上漲了教育跟醫療的支出都提高了但是你的扣除額調整的 |
| transcript.whisperx[210].start |
6304.588 |
| transcript.whisperx[210].end |
6330.048 |
| transcript.whisperx[210].text |
其實是有限的有沒有辦法就是說首得稅法第17條的一個規定我們是照顧滿70歲以上那個就是我們照顧70歲以上的這一個雙親我們把他免了就是免稅增加到50%那可不可能就是說針對的沒有收入的這些小孩子我們去那個就是提高他更高的一個免稅額呢 |
| transcript.whisperx[211].start |
6331.636 |
| transcript.whisperx[211].end |
6358.191 |
| transcript.whisperx[211].text |
沒有沒有這個生產力沒有收入能力的小孩我想委員剛剛的一個提議是可以思考的一個方向這個是一個你思考的方向所以也可以考慮看看也可以考慮看看好那我們在針對的就是說六歲以下六歲以下的這個小朋友那就是說我們如果就是企業跟員工花放了生意補助金 |
| transcript.whisperx[212].start |
6359.232 |
| transcript.whisperx[212].end |
6368.161 |
| transcript.whisperx[212].text |
那讓孩子在滿兩歲以前不論金額的大小全額都免稅有沒有辦法就是這樣子鼓勵就是我們的企業呢 |
| transcript.whisperx[213].start |
6369.807 |
| transcript.whisperx[213].end |
6390.082 |
| transcript.whisperx[213].text |
你們有沒有曾經做過這樣的一個思維我想這樣的一個做法我們是不是可以進一步跟委員了解一下所謂全部都減稅是什麼就是說台灣的企業其實它在友善生意的一個制度上仍然不足的許多的企業其實是不願意增加這個幼兒的一個福利增加 他們擔心增加成本 |
| transcript.whisperx[214].start |
6390.802 |
| transcript.whisperx[214].end |
6410.114 |
| transcript.whisperx[214].text |
所以他的誘因非常的切滑那如果說你政府可以提供就是租稅的優惠他可能會帶來就是對企業增加生意補助的一個意願他會提供這些流產的能力對員工減少就是他生小孩的焦慮他會增加生孩子的一個意願 |
| transcript.whisperx[215].start |
6411.275 |
| transcript.whisperx[215].end |
6436.414 |
| transcript.whisperx[215].text |
那個我在這裡請教部長的時候委員您剛剛提到就是說企業對於他的員工然後對於生育者多的補助這個部分是可以列為企業所得裡面的一個減項是可以列為減項的他有沒有辦法用來做抵扣他的營守稅呢這個部分如果作為減項的話那他要課稅的所得自然就會下降了那稅也會下降對啊你們有沒有朝這樣的一個思維呢 |
| transcript.whisperx[216].start |
6438.22 |
| transcript.whisperx[216].end |
6444.807 |
| transcript.whisperx[216].text |
現在已經可以這樣子了可是就是誘因不足啊可以再增加那我想也是跟委員報告就是說情政團隊會提出一個整體的報告在這裡面包含生養 |
| transcript.whisperx[217].start |
6453.457 |
| transcript.whisperx[217].end |
6467.053 |
| transcript.whisperx[217].text |
都會有各方面方方面面的一個支撐包含減增福利減負擔以及多一些彈性我覺得這個部分會提出來的我非常相信就是說我們大家都知道就是說少子化不會是單一個部會的一個問題 |
| transcript.whisperx[218].start |
6468.114 |
| transcript.whisperx[218].end |
6491.965 |
| transcript.whisperx[218].text |
它涉及到就是勞動、教育、社福、社宅就是托育等等它其實這些問題非常的多也是國家目前最直接最直接就是最有價值的一個展現你的財政的一個政策所以我希望財政部對以下的這個事項就是兩週內給予本席的一個書面報告是不是給我們一個月的時間 |
| transcript.whisperx[219].start |
6493.286 |
| transcript.whisperx[219].end |
6513.481 |
| transcript.whisperx[219].text |
一個月的時間那就針對了撫養子女的免稅提高還有就是幼兒學潛的一個特別扣除額的一個提升生意補助免守得稅幼兒免稅那個免稅額的加成第二胎以上的一個優惠七月生意補助守得稅的一個減免 |
| transcript.whisperx[220].start |
6515.823 |
| transcript.whisperx[220].end |
6538.201 |
| transcript.whisperx[220].text |
那個我們請那個金管會副主委那部長你請留步我想公股並公股以金融的一個競爭力台灣的金融市場公股的占比有沒有過高在這裡我先請教副主委你認為就是台灣的公股行庫它的占比接近一半的金融市場這個會不會太高呢 |
| transcript.whisperx[221].start |
6539.703 |
| transcript.whisperx[221].end |
6554.463 |
| transcript.whisperx[221].text |
其實在這個部分的話其實我們在一個國家政策推動上面其實供股的這個東西其實許多是支持一個國家政策那至於占比有沒有過高這一部分的話我們看恐怕是比較難以回答難以回答對那比較另外一點的話 |
| transcript.whisperx[222].start |
6556.986 |
| transcript.whisperx[222].end |
6575.8 |
| transcript.whisperx[222].text |
我跟你說 戶佐那你回答那我是不是把一些數據跟你做一個分享其實在美國公股不占到1%在韓國跟日本是占了20%就只有台灣其實在本股銀行的系統占了48到52所以這個我要請問就是說好 那就問財政部長好了因為剛剛那個 |
| transcript.whisperx[223].start |
6583.993 |
| transcript.whisperx[223].end |
6596.248 |
| transcript.whisperx[223].text |
那個副主委他講說有過高了那金融市場需要充分的競爭嘛這個我們大家都知道那如果國家掌握了進半的金融市場這個金融市場會是健康的嗎台灣靠近的我們的鄰近的國家 |
| transcript.whisperx[224].start |
6600.472 |
| transcript.whisperx[224].end |
6618.226 |
| transcript.whisperx[224].text |
韓國跟日本他們的模式他們也是高度的市場化的一個模式那你看喔我們的國票金改選了以後其實又多增加了一個公股的勢力那你金管會是樂見你財政部是樂見的嗎那誰回答我好那個部長你回答我 |
| transcript.whisperx[225].start |
6619.817 |
| transcript.whisperx[225].end |
6643.209 |
| transcript.whisperx[225].text |
跟委員報告您所謂的公股金融事業是不是佔了市場一大半我想剛剛金管會副主委已經答覆了那公股金融事業其實它當然在經營的部分也持續的在精進跟市場在做競爭它事實上也是跟市場在做競爭那同時它也肩負了某種政府上的一些政策任務去達成的我想它有一定的意義在裡面我想因為我的時間到了主席已經站出來 |
| transcript.whisperx[226].start |
6643.849 |
| transcript.whisperx[226].end |
6665.82 |
| transcript.whisperx[226].text |
20年後的公股行庫的競爭力為什麼會下滑這個大家非常的清楚不管是ROA還是ROE還是淨利差其實這個都非常非常的清楚在這個地方最後我想就是說站在金融市場的發展的立場我想我們要這麼多公股行庫幹什麼是不是我們應該研擬公股並公股 |
| transcript.whisperx[227].start |
6668.001 |
| transcript.whisperx[227].end |
6681.626 |
| transcript.whisperx[227].text |
有沒有機會其實公股的管理在20年競爭力為什麼一直衰退所以我希望就是說你們提出這樣的報告給本席兩個月沒有關係好 我們提書面報告謝謝委員謝謝拉貝委員的質詢接下來請劉淑冰委員 |
| transcript.whisperx[228].start |
6700.868 |
| transcript.whisperx[228].end |
6706.41 |
| transcript.whisperx[228].text |
好 謝謝主席有請金管會陳副主委請陳副主委是 委員好好 您好那我們看到金管會他為了吸引投資人去減碳然後2024年已經推出了永續經濟活動的指引2.0版那這一點的大方向是值得肯定的不過我們知道說 |
| transcript.whisperx[229].start |
6729.42 |
| transcript.whisperx[229].end |
6747.591 |
| transcript.whisperx[229].text |
台灣它是一個出口依賴的經濟體那真正的話它能夠發揮作用就是要跟國際接軌的ESG認證那我們的目前指引也看得出來它現在並沒有是立法它就是一個指引的效力那相對於歐盟的永續分類法明顯的規定也是叫寬鬆對於我們舉個例子來講 |
| transcript.whisperx[230].start |
6752.754 |
| transcript.whisperx[230].end |
6760.556 |
| transcript.whisperx[230].text |
對於未造成重大危害的標準歐盟也制定了各項經濟活動重大的危害標準但是台灣只要說台灣只要沒有認定只要它沒有違反通用規則或是沒有重大的裁處的就算是可以過關或是在轉型當中因此本席想要問的是永續經濟活動要認定這個指南它是要鼓勵金融業去導引讓它到永續的經濟活動當中 |
| transcript.whisperx[231].start |
6782.66 |
| transcript.whisperx[231].end |
6784.684 |
| transcript.whisperx[231].text |
金管會這樣的寬鬆資金對企業而言怎麼樣去說服金融業要去投入這樣的資金呢 |
| transcript.whisperx[232].start |
6791.403 |
| transcript.whisperx[232].end |
6820.413 |
| transcript.whisperx[232].text |
是 跟委員報告其實委員剛剛提到了非常一個正確以歐盟而言的話其實大概在四年前那時候EU Taxonomy它就已經發布以及它所謂的永續報告書或這一些最主要的一個我們的永續經濟指引在這個地方各國在頒布的時候就是說什麼樣的綠才是真正的綠因為如果那個標準沒有對齊的話其實各國之間國際上的比較是困難的 |
| transcript.whisperx[233].start |
6821.013 |
| transcript.whisperx[233].end |
6836.648 |
| transcript.whisperx[233].text |
您的方法呢 具體趕快說所以台灣在這個地方我們在第一版第二版就是持續的持續的依據我們就是說在防止漂濾的一個狀況之下我們也納入了永續經濟活動就是說除了 |
| transcript.whisperx[234].start |
6837.188 |
| transcript.whisperx[234].end |
6851.725 |
| transcript.whisperx[234].text |
以往的歐盟歐洲那邊所謂的綠以外我們還有一個支持性的一個經濟以及我們對於一個所謂我們對於這個IFRS永續指引的Fore Adopt完全的一個接受以分階段的要求它來揭露 |
| transcript.whisperx[235].start |
6852.025 |
| transcript.whisperx[235].end |
6868.737 |
| transcript.whisperx[235].text |
可是現在的成果如果我們先看看在目前只看到以不到百分之一的達成率的KPI那副主委你滿意嗎那金管會怎麼樣讓更多的企業去投入啊有沒有一些對下一年度更多的企業或到今年度有更多的企業幾家可以做一個預期嗎 |
| transcript.whisperx[236].start |
6870.785 |
| transcript.whisperx[236].end |
6895.895 |
| transcript.whisperx[236].text |
其实以国际上的一个统计而言的话就算以德国这个最先进的其实它也只有达到2%所以呢其实在欧洲那边他们也在更动这一些的一个政策因为呢过于严苛的一个所谓的绿色或者是直接的要求它的一个转型会整体的对于中小企业有极重大的影响所以是说呢在欧盟也发布一个新的指令Stop Clock |
| transcript.whisperx[237].start |
6896.015 |
| transcript.whisperx[237].end |
6914.338 |
| transcript.whisperx[237].text |
就是說我把時鐘給停止停止之後呢其實他們現在集中要求的是大型的一個企業大型企業呢在呢這個所謂範疇一 範疇二 範疇三透過他的一個所謂供應鏈的執意我們現在是上市上櫃公司基本上都已經是比較大型的啊 |
| transcript.whisperx[238].start |
6914.858 |
| transcript.whisperx[238].end |
6941.795 |
| transcript.whisperx[238].text |
其實我們的上市上櫃的大型對於歐洲那種大型其實還算偏小但是我們對100億以上的已經要求那在兩年後的話其實我們對於這個50億的也像那再就是說對50億以上那再來的話我們就是20億最後對是慢慢的分階段的一個進行我覺得不是我覺得其實以整體所有國際學者來台灣呢他覺得我們的速度目前為止是穩健而正確 |
| transcript.whisperx[239].start |
6942.315 |
| transcript.whisperx[239].end |
6943.076 |
| transcript.whisperx[239].text |
我想就食物面就要做請教了 |
| transcript.whisperx[240].start |
6966.977 |
| transcript.whisperx[240].end |
6978.133 |
| transcript.whisperx[240].text |
林董事長請問一下您在業務上面的永續金融在ESG跟IFRS1跟IFRS2的業務人力的話您目前的人力是多少等一下請趙鋒金說明 董事長說明 |
| transcript.whisperx[241].start |
6981.563 |
| transcript.whisperx[241].end |
7003.974 |
| transcript.whisperx[241].text |
我們目前整個IFRS還有這些永續經營的指引都是在台灣金控來做的那目前的人力其實配置是不多因為我們整個金控的人力大概只有50個人那配置在這個領域的其實是沒有很多但是在旗下相當的這個銀行或者是人壽證券下面都有相關的同仁可以來做一些配合好 那董董事長 |
| transcript.whisperx[242].start |
7006.804 |
| transcript.whisperx[242].end |
7020.996 |
| transcript.whisperx[242].text |
我們詳細人數我不是很清楚啦不過就說我們整個編制上是這樣就是在這個金控裡面我們有一個永續的小組有永續長就是由我們總經理來兼任那另外呢在各個子公司都有永續小組那你們覺得業務成功就是業務的這個進行是順利的嗎 |
| transcript.whisperx[243].start |
7024.999 |
| transcript.whisperx[243].end |
7029.902 |
| transcript.whisperx[243].text |
對 是順利的 因為我們每一年自己做還要找顧問來幫我們做檢測林董事長想請問一下根據台銀的永續報告書跟氣候風險結構當中台銀已經把電力跟燃氣供應業石油跟煤製產品業跟化學基本金屬工業都列為高碳排高氣候的風險產業那請問 |
| transcript.whisperx[244].start |
7048.951 |
| transcript.whisperx[244].end |
7050.475 |
| transcript.whisperx[244].text |
林董事長 在這些閒住的產業當中總受信的曝險金額是多少那這邊多少呢 它還比例是多少呢 |
| transcript.whisperx[245].start |
7059.574 |
| transcript.whisperx[245].end |
7079.632 |
| transcript.whisperx[245].text |
這個數據可不可以容我這個會後再行提供因為我現在手上沒有這麼詳細的資訊那你應該知道這個比例應該是相當高對不對這個我們在整個銀行授信當中一定會朝向這個方向來做努力甚至包括不只是授信的部分包括我們投資的產業的部分我們也會朝這個方向來努力那是不是我們會後再提供資訊給這個委員來參考好 |
| transcript.whisperx[246].start |
7081.954 |
| transcript.whisperx[246].end |
7095.102 |
| transcript.whisperx[246].text |
這一個部分因為它涉及到電力跟石油化學這是高碳排的那你剛才說應該是相當高的比例對不對這個比例當中我記得大概是有六千多億六千多億的比例變成是你們可以說它應該是你們很最高的一個創意的來源嗎 |
| transcript.whisperx[247].start |
7101.088 |
| transcript.whisperx[247].end |
7129.352 |
| transcript.whisperx[247].text |
不一定是最高的收益的來源因為銀行本身的收益的來源有非常多種那壽信是其中之一好 那這一部分我再繼續再問下去那你們的包括的是像如果是這樣ESG的部分因為這個部分是屬於永續報告的你們氣候風險的接受所以你們給他們這樣子的一個壽信嘛 對不對那這樣的壽信呢那對在ESG真的在屬於在災商能源啊 儲能 電網這部分的那比例又是多少呢 |
| transcript.whisperx[248].start |
7130.012 |
| transcript.whisperx[248].end |
7151.684 |
| transcript.whisperx[248].text |
我想這個比較詳細的數字是不是容我會後再提供給委員來參考我之前跟林董事長你這邊還包括董董事長應該好都現在一時拿出去可能拿不出來可是我要告訴你這個部令一定相當的獲利因為尤其是你們對電力的這種水泥鋼鐵他們是真的需要資金因為在平常的這個金融的部分因為他是高 |
| transcript.whisperx[249].start |
7152.665 |
| transcript.whisperx[249].end |
7157.628 |
| transcript.whisperx[249].text |
其實因為我們是百分之百的這個國營行庫所以對於政府尤其是百分之百國營的這種譬如說台電等等這樣的一個支持我們本身就是最大的支持者所以這部分的一個受信額度其實是沒有辦法做一個非常大的一個減幅 |
| transcript.whisperx[250].start |
7177.599 |
| transcript.whisperx[250].end |
7194.347 |
| transcript.whisperx[250].text |
對 但是這個問題就是很大了我們現在看到的是因為它就是高碳牌它並不符合所謂綠色金融它包括國際間的這樣的趨勢尤其是國家等於說帶頭在產業的部分的時候化石性能源這麼高但是這部分呢因為它還有涉及到有些可能轉型的這樣的一個需求那你們有沒有被要求說 |
| transcript.whisperx[251].start |
7195.927 |
| transcript.whisperx[251].end |
7217.403 |
| transcript.whisperx[251].text |
這個像剛才所說的像電力啊鋼鐵啊這些的是不是有包括像化石燃煉的曝險要下降啊目標或高碳排產業必須要解碼的這種KPI各兩個公司這邊有沒有做這樣的要求這個我們有訂定一些指標有訂定指標那指標是什麼我只可以會後我們再行提供給委員參考好不好因為這個都是非常細的一些資訊尤其是針對產業別 |
| transcript.whisperx[252].start |
7220.56 |
| transcript.whisperx[252].end |
7225.226 |
| transcript.whisperx[252].text |
因為你那邊才有永續長對不對我們在某些產業上面實行次到原則譬如說像燃煤電廠我們現在就已經不對燃煤電廠做授信了 |
| transcript.whisperx[253].start |
7235.84 |
| transcript.whisperx[253].end |
7251.768 |
| transcript.whisperx[253].text |
因為國際上還有很多燃煤電廠但是我們就不做這個授信除非是它經過當地他們的環保單位核准是一個短暫性的一個措施的情況之下我們才做授信那譬如說很多的像軍火啦或者是像類似像這個賭博或什麼這個我們都不做授信的 |
| transcript.whisperx[254].start |
7252.228 |
| transcript.whisperx[254].end |
7266.004 |
| transcript.whisperx[254].text |
那另外還有就是說我們對那些高碳牌的話我們會有這所謂的這個制式條款就只要是它是有ESG是被採訪的情況之下呢它達到某一定的比例的時候我們會在它的利率上面會有加碼那如果它沒有的話會有減碼這個措施 |
| transcript.whisperx[255].start |
7267.025 |
| transcript.whisperx[255].end |
7288.933 |
| transcript.whisperx[255].text |
好 這就是請兩位的董事長在會後就再提供本席你們非常比較細緻知道因為兩個公股銀行這邊帶領的是呈現的是金融機構對於我們台灣的永續發展或是轉型當中的非常重要的一個指標所以希望你們能夠提供這個資訊讓大家全體知道說佛家在這邊是扮演什麼樣的角色好 那謝謝 |
| transcript.whisperx[256].start |
7290.333 |
| transcript.whisperx[256].end |
7293.096 |
| transcript.whisperx[256].text |
那我們綠色債券也投資了將近70億左右吧再生能源或是相關的大概2000多億的壽信 |
| transcript.whisperx[257].start |
7308.129 |
| transcript.whisperx[257].end |
7327.399 |
| transcript.whisperx[257].text |
好 希望是說呢 因為這些不是說沒有ESG 可是這個ESG當中的資金呢它應該還是要讓大家知道它是真的要變成是永續發展的需求不然的話 ESG可能就只是一個金融的包裝數這樣是非常可惜的喔好 那就時間到了 那就今天就講到這裡好 謝謝謝謝劉淑萍委員我們結束劉淑萍委員的質詢接下來請顏寬恆委員 |
| transcript.whisperx[258].start |
7341.035 |
| transcript.whisperx[258].end |
7348.549 |
| transcript.whisperx[258].text |
主席 各位內席官員 各位立院的同事 大家好主席 先請央行嚴副總裁請嚴副總裁 |
| transcript.whisperx[259].start |
7360.668 |
| transcript.whisperx[259].end |
7368.196 |
| transcript.whisperx[259].text |
根據美國國防部12日公布的數據美國4月的消費者物價指數月增幅0.6%年增率升到3.8%創下三年以來最大的增幅 |
| transcript.whisperx[260].start |
7377.364 |
| transcript.whisperx[260].end |
7390.124 |
| transcript.whisperx[260].text |
而通膨阻音是來自於中東戰爭更直接引爆全球能源供應鏈的危機進而推高美國國內的物價跟生活成本儘管廉政會即將由這個華許 |
| transcript.whisperx[261].start |
7393.272 |
| transcript.whisperx[261].end |
7407.042 |
| transcript.whisperx[261].text |
來兼任主席但原先市場預期的降息也因為CPI的推升那降息的機率越來越小那主席總數在7號公布台灣4月CPI年增率1.74%較3月的1.2%雖然沒有突破2% |
| transcript.whisperx[262].start |
7411.866 |
| transcript.whisperx[262].end |
7425.374 |
| transcript.whisperx[262].text |
但這個越增幅表現這個非常顯著請問副總裁如果中東戰事導致能源價格維持高檔那央行是否會擔心國內出現通膨疫情的心理簡單說明一下 |
| transcript.whisperx[263].start |
7427.796 |
| transcript.whisperx[263].end |
7434.321 |
| transcript.whisperx[263].text |
我們目前從資料來看,因為的確是有看到國際油價的受限導致大家對通膨預期的預估的調升 |
| transcript.whisperx[264].start |
7444.91 |
| transcript.whisperx[264].end |
7466.891 |
| transcript.whisperx[264].text |
我們目前在台灣根據我們3月的時候估計大概是CPI是1.8那個前提是油價是在全年的平均油價布蘭特原油是在85元那如果說這個未來的原油價格擴展那自然會影響到我們對台灣CPI的估測的上修的一個部分 |
| transcript.whisperx[265].start |
7467.011 |
| transcript.whisperx[265].end |
7484.181 |
| transcript.whisperx[265].text |
我們會在六月中旬的時候會公布我們最新的一個數據因為能源價格的衝擊還沒有完全反應因為很多專家學者都認為說未來恐怕將進一步還有這個推升運輸跟消費的成本形成第二波的一個通膨壓力 |
| transcript.whisperx[266].start |
7485.382 |
| transcript.whisperx[266].end |
7513.452 |
| transcript.whisperx[266].text |
那台灣高度依賴進口能源然後呢央行除了透過匯率政策要穩定進口這個價格物價之外你認為目前的油價平穩機制目前的這個平穩機制是不是足以反式輸入型通膨對於我們的一個CPI影響從我們目前看到就是說政府的油價平穩機制的確是有助於我們對於CPI擅展的一個擅展壓力 |
| transcript.whisperx[267].start |
7515.39 |
| transcript.whisperx[267].end |
7536.681 |
| transcript.whisperx[267].text |
有辦法平穩未來第二波的通融壓力因為如果它持續的話那當然還是會有它的效果存在我們先前楊金榮總裁有說過說世界各國有寬鬆的貨幣政策改採緊縮貨幣那中央銀行也會嚴正以待採取適當手段要來維持金融穩定 |
| transcript.whisperx[268].start |
7537.481 |
| transcript.whisperx[268].end |
7556.82 |
| transcript.whisperx[268].text |
但是現在受CPI影響機率的一個降低就是他美國本來預期要降息那受到這樣影響可能會降低所以說如果未來華許主席上任之後為了抗通膨然後延後降息甚至轉向緊縮 |
| transcript.whisperx[269].start |
7558.502 |
| transcript.whisperx[269].end |
7582.779 |
| transcript.whisperx[269].text |
那台灣為了要維持台美的利差避免外資大幅的撤出那導致新來賓過度的貶值所以會不會被迫考慮逆向升息這個請副總裁說明我想我們的貨幣政策其實是考慮很多面向的那我們會在六月中旬的時候我們會針對所有的國內外經濟的問題以及對我們的通貨的預測會做評估是嘛好都有考慮嘛 |
| transcript.whisperx[270].start |
7586.602 |
| transcript.whisperx[270].end |
7614.184 |
| transcript.whisperx[270].text |
所以我們就期待說央行要不只是說嚴正以待更是要有一個決心要確保台灣在這一波全球能源危機還有貨幣政策當中能夠維持真正的物價跟金融穩定可以嗎 副總裁那是一定的是 好 那請回謝謝副總裁請回那再請主席我們請財政部莊部長還有負稅署宋署長請部長 請宋署長 |
| transcript.whisperx[271].start |
7617.216 |
| transcript.whisperx[271].end |
7634.029 |
| transcript.whisperx[271].text |
委員好部長早我們這個複稅署跟五區國稅局115年度預算共編位媒體政策優先導費4243萬較114年度增加2552萬增幅達到150%以上 |
| transcript.whisperx[272].start |
7644.517 |
| transcript.whisperx[272].end |
7645.86 |
| transcript.whisperx[272].text |
那其中複稅署就編入了4130萬那是有什麼樣新的業務要多花2000多萬作為宣傳可以簡單說明 |
| transcript.whisperx[273].start |
7655.984 |
| transcript.whisperx[273].end |
7677.626 |
| transcript.whisperx[273].text |
跟委員報告有關我們的不管是租稅的法令也好或相關的程序也好或者有關減稅的一些優惠措施都需要透過我們一些宣導那甚至對青年學子我們也會做一些教育讓他們會有一些租稅的一些觀念所以這個部分的一個宣導費用是有必要的 |
| transcript.whisperx[274].start |
7678.126 |
| transcript.whisperx[274].end |
7703.345 |
| transcript.whisperx[274].text |
至於金額的部分您認為就是說在115年編的比114年高那因為114年是我們當時被砍了60%有很多業務是沒有辦法去做的那這一次只是回到原來的我們本來應該就要做的宣導要把它們補回來是不是本來就是應該要做就要去做那我想是這樣子的意思那詳細的是不是我們請署長來做補充簡單說明好不好看 |
| transcript.whisperx[275].start |
7704.622 |
| transcript.whisperx[275].end |
7726.151 |
| transcript.whisperx[275].text |
報告委員因為我們沒宣費啊一向就是編大概這樣在四千萬左右那去年是因為通商的百分之六十所以至於三個兩千四百多萬剩下一千六百多萬所以如果委員去拿去年的預算數來比你一定會覺得說我們今年多了很多但事實上我們只是把通商的部分 |
| transcript.whisperx[276].start |
7727.151 |
| transcript.whisperx[276].end |
7752.776 |
| transcript.whisperx[276].text |
恢復而已啦那我們真的是需要這麼多錢因為有很多新的法令我們都需要去宣導甚至還要教民眾怎麼防詐騙啊什麼之類我們都都有一片這個防詐打詐包括雲端載具啊這些的這些同意發票使用啊還有這些什麼這個沒宣費本來就是都有在做啊現在民眾也都知道要這麼做嘛 |
| transcript.whisperx[277].start |
7754.176 |
| transcript.whisperx[277].end |
7778.278 |
| transcript.whisperx[277].text |
所以我想說包含我們平面的刊登次數、網路曝光次數還有廣播及電視播放次數這些我們也沒有定目標值啊所以並且說我們支持你這個預算但是我們看不到目標目標是多少才算及格才算達到我們自己內定的一個標準所以署長這要請你再提示好不好 |
| transcript.whisperx[278].start |
7779.278 |
| transcript.whisperx[278].end |
7806.407 |
| transcript.whisperx[278].text |
我們支持預算但是預算你沒有達到一個標準謝謝委員我會跟委員報告一下說我們過去做了哪些效果成效如何那我再請教部長就是供股行庫員工權益的問題因為我們現在供股行庫基層員工的辛苦我想請問部長你知不知道什麼叫做免洗櫃員 |
| transcript.whisperx[279].start |
7808.8 |
| transcript.whisperx[279].end |
7809.781 |
| transcript.whisperx[279].text |
免洗櫃員要聽過嗎?免洗櫃員?為何免洗櫃員?免洗櫃員是櫃台人員啦意思就是說這個櫃飯的頻率非常的高就像用完即丟啦就是說因為 |
| transcript.whisperx[280].start |
7831.716 |
| transcript.whisperx[280].end |
7851.797 |
| transcript.whisperx[280].text |
他們自稱為免洗過員我們看到第一線這些人員他努力的付出但是沒有被感覺到存在的價值那我瀏覽了很多基層人員在社群媒體上面關於這個對於整個工作環境的一個評價最多的留言就是兩個字快逃 快逃 |
| transcript.whisperx[281].start |
7854.159 |
| transcript.whisperx[281].end |
7870.971 |
| transcript.whisperx[281].text |
那為什麼這樣子我總結出幾個問題就是說一個薪水低通常外界都會認為說公共房屋應該待遇不錯但事實上並非如此你去看一下他現在招募的薪資跟這些知名的 |
| transcript.whisperx[282].start |
7872.972 |
| transcript.whisperx[282].end |
7891.565 |
| transcript.whisperx[282].text |
這個水啊飲料開出的薪水其實差不了多少差不了多少那要怎麼樣吸引人才那所以說再來就是行政機關也常常出現其實新人被霸凌職場霸凌的問題這個部分那我們譬如說啦能走多老 |
| transcript.whisperx[283].start |
7893.357 |
| transcript.whisperx[283].end |
7908.827 |
| transcript.whisperx[283].text |
所以高職等的我們這些幹部那其實他也不用怎麼樣就是說也不太需要把事情都交給辦事員去做並且要求辦事員要這個證照要都考取才有機會升遷那其實 |
| transcript.whisperx[284].start |
7915.35 |
| transcript.whisperx[284].end |
7939.525 |
| transcript.whisperx[284].text |
這個業績的部分我們這些基層工作人員他必須要不斷的推銷像客戶推銷有時候要自己花錢還是找親友來買產品這樣子才避免說烤雞被打一等這個部分我想這個內部職場內部問題我想部長要多關心要多關心要實際去做我們也要告訴我們在座的我們各位董總 |
| transcript.whisperx[285].start |
7940.706 |
| transcript.whisperx[285].end |
7962.687 |
| transcript.whisperx[285].text |
因為職工職員就是我們最大的資產尤其是第一線工作人員他們付出了這麼多我們千萬不要讓他們把自己認為是免洗櫃員要讓他們有發覺到他們有存在感這也是員工的權益員工也是我們所有公司的一個最大的資產這樣可以嗎 |
| transcript.whisperx[286].start |
7964.79 |
| transcript.whisperx[286].end |
7982.067 |
| transcript.whisperx[286].text |
部長 可不可以再要求委員您剛剛的一些提示我想我們都了解也會持續的去友善我們的工作環境同樣是真的要做啦 經濟要走啦財政部的同仁也都很辛苦我們結束我們疑患委員的質詢接下來請陳玉珍委員 |
| transcript.whisperx[287].start |
7995.014 |
| transcript.whisperx[287].end |
7997.459 |
| transcript.whisperx[287].text |
謝謝主席請財政部請財政部部長 |
| transcript.whisperx[288].start |
8008.545 |
| transcript.whisperx[288].end |
8025.298 |
| transcript.whisperx[288].text |
金門的醫療資源跟台灣還是有一定的落差所以很多鄉親還是不管是重疾症 罕見疾病 高齡的都還是要到台灣 比如說台北來就醫這個過程中在台灣也是需要一些交通的接駁 |
| transcript.whisperx[289].start |
8028.019 |
| transcript.whisperx[289].end |
8048.208 |
| transcript.whisperx[289].text |
這個因為我們金門有一些社會的福利所以很多鄉親都要設計在金門當地這個在房屋稅方面我們最近也提出一個修改就是一些設計地跟這個房屋稅這個關聯性這個部分我們已經提出來請你關心一下那這個牌照稅的部分很高興今年這個在 |
| transcript.whisperx[290].start |
8049.748 |
| transcript.whisperx[290].end |
8066.48 |
| transcript.whisperx[290].text |
1月份的時候已經原來舊的規定是說要同戶籍那現在已經進行修改了1月28號已經修改就是需求的人跟戶籍這個東西有時候是可以有脫鉤因為的確住在金門或在金門在 |
| transcript.whisperx[291].start |
8067.841 |
| transcript.whisperx[291].end |
8092.482 |
| transcript.whisperx[291].text |
但是需求在台灣 車子需求是在台灣要接送 身障者 這個已經修改了非常謝謝 這是今天本期是先肯定你們有作為 牌照稅的部分那牌照稅的部分因為它但是房屋稅的部分我們也提出相關的修改一樣會有這樣的情形所以請你們也好好的去思考一下房屋稅的這個部分我提出一下 我也跟負稅署署長講過很多次 |
| transcript.whisperx[292].start |
8093.843 |
| transcript.whisperx[292].end |
8120.12 |
| transcript.whisperx[292].text |
另外牌照稅的部分金門地因為牌照稅收入是地方的嘛 對吧是嘛 地方稅嘛那之前我們是一直是在離島的地區一直是在2400CC以下是免稅嘛免徵這個牌照稅那事實上鄉下地方一般的車子大概都不會台北這樣都會區比較需要用小的因為大動運輸很方便 小排氣量那鄉下地方可能2400CC上是比較 |
| transcript.whisperx[293].start |
8121.101 |
| transcript.whisperx[293].end |
8128.021 |
| transcript.whisperx[293].text |
不那麼適合的所以這個提高這個法規部分提高這個排氣量的部分是不是可以你們思考一下 |
| transcript.whisperx[294].start |
8133.062 |
| transcript.whisperx[294].end |
8150.871 |
| transcript.whisperx[294].text |
電動車其實是已經授權的地方可以免徵那我們希望就是說電動車那沒問題那不是金門全台澎金馬都要用的有排氣量這個不是用能源車啦正常的車子啦所以現在天花板是2400這排照說法有那因為這個是地方的稅收嘛 |
| transcript.whisperx[295].start |
8152.111 |
| transcript.whisperx[295].end |
8178.223 |
| transcript.whisperx[295].text |
那如果你把天花板這個打開一點那地方或者你可以弄彈性沒關係嘛地方也可以授權給地方來決定嘛因為我的地區就是覺得有這樣的需求嘛有的地區可能覺得沒有嘛那每個地區的情況可能還都不一樣嘛所以你們也許把天花板打開那也許授權地方來決定這個我們也是可以我們可以接受啊讓地方自己去面對地方的這個需求決定什麼方式嘛因為它這個稅收稅損也不在中央嘛如果有稅損的話對不對 |
| transcript.whisperx[296].start |
8180.539 |
| transcript.whisperx[296].end |
8199.834 |
| transcript.whisperx[296].text |
我們是不是整體再來跟相關部會來研議一下這有沒有涉及到相關環保議題等等我們再來考量你這個整體研究一下我說你把這個天花板打開至於各個里島他打算怎麼做當然地方有各個地方的這個做法我們在你們這個稅法裡頭也可以做一點相關的這個或者你需要我們也可以在里島經濟條約裡頭做一些相關的這個修改嘛好不好授權給地方這種做也可以嘛因為這屬於地方的稅收嘛 |
| transcript.whisperx[297].start |
8207.139 |
| transcript.whisperx[297].end |
8211.14 |
| transcript.whisperx[297].text |
就像櫻花稅一樣 娛樂稅娛樂稅也是這樣子可以嗎 娛樂稅也是授權地方來做好 謝謝部長現在我們來講這個公股銀行 我剛剛看第一個我看你們這個優化員工福利的營造友善職場環境部分你說強化生育制 現在少子化這麼嚴重國營金融機構生育補助每胎新台幣10萬元 對吧 |
| transcript.whisperx[298].start |
8234.594 |
| transcript.whisperx[298].end |
8256.733 |
| transcript.whisperx[298].text |
第三頁報告 行政院是有同意公股民營機會補助25萬元 為什麼有這麼大的落差他們在薪資結構上不同 因為國營事業 國營的部分因為受到國營事業管理法等相關 而且跟人種的部分有相關的規範我們來講國營事業管理法 我之前事實上市長事後已經退休了 之前我就有跟他提過 |
| transcript.whisperx[299].start |
8258.454 |
| transcript.whisperx[299].end |
8282.648 |
| transcript.whisperx[299].text |
因為最近沒看到兩年前我們在考察這個相關的這個國營這個銀行公股銀行的時候我們就講過我們這個整個整個國營不管國營事業還是財政部我們現在講財政部這邊不管是銀行或是這些公股的或是國營的或者是其他的公司TTL等等這些公司我們都發現一個很嚴重的問題就是說第一個我們整體這個待遇都很低 |
| transcript.whisperx[300].start |
8288.192 |
| transcript.whisperx[300].end |
8303.194 |
| transcript.whisperx[300].text |
你看看這些供股的我不要說基層你看一插就插這個十幾萬對不對這個就是生意補助啊我們之前還提過什麼之前還修過這個那什麼午餐啊那些餐的這個費用啊那還有這個比如說待遇 |
| transcript.whisperx[301].start |
8305.156 |
| transcript.whisperx[301].end |
8318.243 |
| transcript.whisperx[301].text |
董事 總經理 董事長 總經理這些待遇都非常低啊如果比起民間這些相關的機構這個待遇更是微薄啊那你在這種很低的待遇上你待遇情況下你如何期待 |
| transcript.whisperx[302].start |
8319.42 |
| transcript.whisperx[302].end |
8334.461 |
| transcript.whisperx[302].text |
就是這個應該是要應該要跟那個財政部長你覺不覺得這種領這麼矢板的這個薪水你看你們我看到你們這個是按照這個國營事業財政部所屬事業機構主持人心急 |
| transcript.whisperx[303].start |
8335.622 |
| transcript.whisperx[303].end |
8351.792 |
| transcript.whisperx[303].text |
調整作業要 是一個要點嘛規定說這些什麼這些都以財政部部長待遇為基準財政部部長這個待遇也不高啦 但是一個很辛苦的工作但是相關的這個民營機構相關的這個 一樣是在銀行界 金融界整個待遇相差太多啊部長你覺得呢 |
| transcript.whisperx[304].start |
8355.431 |
| transcript.whisperx[304].end |
8364.513 |
| transcript.whisperx[304].text |
關心我們的國營的金融事業這個部分我們一直認為其實因為金融事業其他啦各方面的就是你們財務小廈這些單位包含公務員或者什麼然後其實因為我們的金融事業它是一個競爭的一個市場它需要流財染財然後才能夠發揮它的功能所以你這個待遇這麼低怎麼流財染財呢對 剛剛文化委員講的是這樣子我們一直是希望能夠去突破這個東西應該打開天花板 |
| transcript.whisperx[305].start |
8382.357 |
| transcript.whisperx[305].end |
8406.235 |
| transcript.whisperx[305].text |
但是我們還是不是說無限制的給 而是我們還是要跟一些表現掛鉤嘛當然要跟績效去掛鉤你看你這個薪水 零工人的薪水 但是要他承擔華爾街的風險風險高然後待遇低 你到底要人才怎麼留下來 |
| transcript.whisperx[306].start |
8407.765 |
| transcript.whisperx[306].end |
8415.549 |
| transcript.whisperx[306].text |
難怪做一做不久以後會被人家挖角我想我們可以跟委員一起努力所以你們應該修那個要點這不過是要點這是你們內部的還有上層的法規我想我們一起來努力能夠擴破我已經講了很多年了都沒有動啊我們有動啊我們也都在報信息有啊只有我們好不容易提了一個銀行行員那個什麼務參還是什麼薪水那個第一個幾十塊 |
| transcript.whisperx[307].start |
8434.92 |
| transcript.whisperx[307].end |
8450.032 |
| transcript.whisperx[307].text |
調心的部分已經是跟公務員脫鉤了這是先往前走一步那後續我覺得我們還有很多需要努力的也希望委員能夠支持大家就是說擔心你會擔心說如果擔心說現在有說什麼肥毛那你就透明一點你有什麼績效 |
| transcript.whisperx[308].start |
8451.013 |
| transcript.whisperx[308].end |
8465.915 |
| transcript.whisperx[308].text |
你應該做到什麼地步公司不能虧損什麼地步要賺多少錢對不對要有一個機制出來公開透明一點嘛你公開透明你可以引進好人才也不會每一次我們培養人的以後最後都 |
| transcript.whisperx[309].start |
8466.716 |
| transcript.whisperx[309].end |
8483.534 |
| transcript.whisperx[309].text |
都跑到民間機構去啊我們之前就是剛因為說免洗的啊就是訓練完然後接著就到民間機構因為民間機構的待遇實在是天差地別啊對不對那我們也不是說無限制的給你還是要給他一些績效掛鉤不然我覺得這很多國營事業或是一些 |
| transcript.whisperx[310].start |
8484.895 |
| transcript.whisperx[310].end |
8513.974 |
| transcript.whisperx[310].text |
工股銀行有些人員的這種心態就會比較偏向這種安穩的做法嘛真的就是但求無辜不求有功啊那怎麼往前走呢是所以呢這個市場這麼競爭齁這個整個整個我看到一些待遇你們這個要點是你們內部的啊你們提出修要點可以嗎我想這個部分在法制的部分我們需要進一步再來做詮釋可以有相關的這個 |
| transcript.whisperx[311].start |
8515.936 |
| transcript.whisperx[311].end |
8543.818 |
| transcript.whisperx[311].text |
我也順便想請教國庫署啊那金九公司是屬於 也跟這個要點一樣嗎那縣營事業也算在這個裡頭嗎金九不是金九是金門縣的縣營事業也要跟著你們這樣走嗎他沒有 他沒有跟我們走啊所以金九公司有沒有這個天花板的限制呢國庫署這個有沒有限制沒有 我們金九不是縣營事業 不是國家但是因為你們有這個限制好像也是跟著這個走是嗎還是沒有規定 |
| transcript.whisperx[312].start |
8544.853 |
| transcript.whisperx[312].end |
8569.805 |
| transcript.whisperx[312].text |
應該沒有要求他這樣規定,金門縣政府要參照,這個就不是問題尤其是離島,他們找人才過去,這麼低的待遇基本上都沒有人要去,那在本島也一樣你這個同樣是在管銀行,同樣到銀行去工作,不管你是基層、中層、高層那最後你都在幫人家為人作價,你們都在幫人家訓練員工而已啊所以你提出一套制度 |
| transcript.whisperx[313].start |
8570.845 |
| transcript.whisperx[313].end |
8573.611 |
| transcript.whisperx[313].text |
已經講了好多年了 請問多久可以做出這樣一個報告給我 |
| transcript.whisperx[314].start |
8575.945 |
| transcript.whisperx[314].end |
8603.285 |
| transcript.whisperx[314].text |
我想這個部分我們的報告我們可以盡快兩年前就講了 多久可以一份報告給我兩個月好嗎我們把我們努力的然後看看有沒有我們希望能夠有進一步的發展完整齁就是說不是只是說加多少錢或是怎麼樣跟銀行做一下比較然後人家要求什麼績效是不是有什麼什麼那個包括基層這樣子公股的或是公營的這個銀行或是相關的事業就委才可以活一點嘛 |
| transcript.whisperx[315].start |
8603.945 |
| transcript.whisperx[315].end |
8621.058 |
| transcript.whisperx[315].text |
是不是 這樣子人才也比較願意來替部門工作嗎我們也希望是這樣兩個月內給我是嗎兩個月內給委員報告包括我們今天的書面研究一下書面報告好 謝謝好 謝謝我們結束陳玉珍委員的質詢接下來請李昆城委員 |
| transcript.whisperx[316].start |
8635.686 |
| transcript.whisperx[316].end |
8637.553 |
| transcript.whisperx[316].text |
謝謝主席那我們先請莊部長請莊部長 |
| transcript.whisperx[317].start |
8644.079 |
| transcript.whisperx[317].end |
8672.768 |
| transcript.whisperx[317].text |
委員好部長好昨天行政院長昨天院長他在5月19號的就職兩週年的記者會他有宣布最新的少子女化人口對策的新的戰略其中有一項0到18歲的全程支持計畫然後強化政府對育兒家庭的實質的支持減輕家長負擔我看到剛剛賴總統在520的記者會上面他有特別提到說 |
| transcript.whisperx[318].start |
8674.789 |
| transcript.whisperx[318].end |
8688.443 |
| transcript.whisperx[318].text |
為了因應少子女化的挑戰政府決定提供0到18歲的成長津貼每人每月新台幣5000元請問這個政策跟財政部有相關嗎 |
| transcript.whisperx[319].start |
8690.857 |
| transcript.whisperx[319].end |
8712.863 |
| transcript.whisperx[319].text |
主要是由衛福部來辦理衛福部來辦理對那錢從哪裡出去錢當然是從怎麼樣分配這個部分由主計總處來做督導那所以部長之前知道這個政策嗎我們有參與過有參與過那所以這個政策因為總統今天有宣布了嘛那大概哪時候會開始實施因為現在已經有少子女化2.0那這個部分 |
| transcript.whisperx[320].start |
8720.634 |
| transcript.whisperx[320].end |
8730.903 |
| transcript.whisperx[320].text |
應該可能要看組總這個部分就我所知是不是在哪一年還是要問他們比較精準我知道這件事你知道這件事情就是有0到18歲成長津貼然後這個預算是編在這個衛福部就對了 |
| transcript.whisperx[321].start |
8737.539 |
| transcript.whisperx[321].end |
8744.808 |
| transcript.whisperx[321].text |
預算怎麼編列也不曉得但是我知道在執行上應該是有衛福部來執行那所以這個政策跟財政部這邊有沒有相關財政部是財源的籌措機關啊對啊OK那這個有排富嗎 |
| transcript.whisperx[322].start |
8753.55 |
| transcript.whisperx[322].end |
8782.756 |
| transcript.whisperx[322].text |
就我所知是沒有耶我沒有看到有排付的條款我想詳細的內容還是要等主管機關來做更詳細的說明因為我看到今天總統有特別提到0到18歲的成長津貼那等於是每個0到18歲的未成年人他們每個月都可以0到5000塊就對了怎麼樣去調節或怎麼樣的分配那有算過這個一年的預算大概是多少錢嗎 |
| transcript.whisperx[323].start |
8784.379 |
| transcript.whisperx[323].end |
8807.493 |
| transcript.whisperx[323].text |
這個部分我手上沒有這個數字那你有相關的資料嗎相關的資料應該等到完整的公佈才會有我們看到都是一些草案今天總統都公佈了這表示說這已經是一個政策了啊是政策但是不是在財政部這邊所以我如果有的話給您也不是很精準的所以我認為還是由主計總署跟衛福部來提供會比較精準主計總署有人來嗎 |
| transcript.whisperx[324].start |
8809.69 |
| transcript.whisperx[324].end |
8814.459 |
| transcript.whisperx[324].text |
有嗎 那去查一下資料 等一下提供我好不好沒關係 你要回答嗎 好來 |
| transcript.whisperx[325].start |
8819.147 |
| transcript.whisperx[325].end |
8845.856 |
| transcript.whisperx[325].text |
委員長跟我們報告那個比較靠近麥克風一下好不好因為這個政策細節的部分還沒有可能還是要等行政院或者是那個主管機關衛福部這邊宣布啦我們這邊目前是不是啊那我以為你要回答我一個什麼具體的一個數字出來如果沒有你就不用上來了啊我們手邊可能好謝謝謝謝我以為你要回答了好來然後跟這個財政部比較有相關的因為昨天這個院長有提到 |
| transcript.whisperx[326].start |
8846.937 |
| transcript.whisperx[326].end |
8855.173 |
| transcript.whisperx[326].text |
有可能這個會有住宅減稅的優惠會推出育嬰住宅減稅優惠有這部分嗎 |
| transcript.whisperx[327].start |
8859.174 |
| transcript.whisperx[327].end |
8876.531 |
| transcript.whisperx[327].text |
昨天院長有提到就是相關的一些方向但是整體還需要再經過細部討論而近期會跟各位做一個整體性的一個報告包含生育、養育到教育然後這裡面有一些有關減負擔、征服力跟對所以我就問跟財政部有相關的嘛 |
| transcript.whisperx[328].start |
8878.573 |
| transcript.whisperx[328].end |
8906.264 |
| transcript.whisperx[328].text |
跟財政部有相關就是稅啊對不對對然後稅事有提到說育嬰住宅有減稅你如果呢這個家中有育有這個養育幼兒的家庭我們會提供這個育嬰宅的房屋稅跟地價稅的階段性的減免優惠有這個方向在有這個方向在討論是的有這個方向討論那下禮拜會出來嗎因為我看院長是說下禮拜四院會會公佈嗎對我想院長講的是以按照院長說的是 |
| transcript.whisperx[329].start |
8907.464 |
| transcript.whisperx[329].end |
8928.72 |
| transcript.whisperx[329].text |
對,那所以是有這個方向就對了嗎?對,有這個方向就是房屋稅跟地價稅會有階段性的減免的優惠?是是這是確定的?對,是一個研議的方向,對研議的方向最後的我們會做這個最後願意但是確定有這個政策就對了?會有這個研議的方向,是的好,那有沒有這個幼兒學銜特別扣除而再提高? |
| transcript.whisperx[330].start |
8929.74 |
| transcript.whisperx[330].end |
8945.271 |
| transcript.whisperx[330].text |
幼兒學銜特別扣除額因為113年是調整已經是第一胎是15萬那第二三胎是加碼我想這個部分目前來說已經都在試用當中了對我知道啦我意思是說有沒有在這個提高幼兒學銜特別扣除額 |
| transcript.whisperx[331].start |
8946.411 |
| transcript.whisperx[331].end |
8974.044 |
| transcript.whisperx[331].text |
這個部分因為是透過其他的方式我剛剛跟委員報告就是有一些補助補貼等等其他方式並不是以這樣的一個方式來推動所以不是從這個不是以這個方向來推動不是以這個方向那是怎麼樣的方向你剛剛也提到吧就是每個孩子多少錢就是在那個育兒家庭裡面政府會給多少那個是我說0到18歲那個每個月五千塊的那個也是一個方式嘛也是一個方式是一個方式好 那來請教一下 |
| transcript.whisperx[332].start |
8974.964 |
| transcript.whisperx[332].end |
8981.788 |
| transcript.whisperx[332].text |
在目前我們有幼兒學前扣除額,我們也有教育學費扣除額,這18歲之後的。然後我們6歲以上到未滿18歲,這段期間我們沒有特別扣除額,對不對? |
| transcript.whisperx[333].start |
8992.881 |
| transcript.whisperx[333].end |
9010.175 |
| transcript.whisperx[333].text |
她有免稅額9萬8嘛對不對沒有特別的控訴額嘛那有沒有機會把這段補上去因為這個我們也跟總統討論過其實這一段也可以希望把它補上去那不曉得財政部的這個想法規劃如何因為之前好像你們都不同意嘛 |
| transcript.whisperx[334].start |
9010.815 |
| transcript.whisperx[334].end |
9026.812 |
| transcript.whisperx[334].text |
委員您的提議也是我們研議的方向研議的方向那有可能就是說在這一個七歲到十八歲的國小、國中、高中的這個階段也會有一個特別扣除的就對了我想到時候院長會做整體的我們會院裡面會有整體的一個方案裡面會 |
| transcript.whisperx[335].start |
9030.075 |
| transcript.whisperx[335].end |
9047.87 |
| transcript.whisperx[335].text |
會提出來會提出相關的從各個階段裡面不同的方式沒有啦我又特別你不要用包山包海我就是問這個啦對嘛我想到時候會整體的報告就是說有關這方面的會在特別控署會再提出來就對了會做整體的報告行政院會做整體的報告要含這一塊就對了 |
| transcript.whisperx[336].start |
9049.755 |
| transcript.whisperx[336].end |
9076.974 |
| transcript.whisperx[336].text |
對不對我想報告的時候這是一個方向是一個方向好對啊因為我們就是要問一些比較具體的有比較包山包海包山包海我也不曉得是包到哪一項去了好那這個那這部分我再請教一下因為今天來了很多的公股的行庫啦那其實我要特別講說在兆豐銀行這方面他們對於這個育嬰的這個政策其實做得很不錯不曉得部長知不知道他們的產價 |
| transcript.whisperx[337].start |
9081.361 |
| transcript.whisperx[337].end |
9106.758 |
| transcript.whisperx[337].text |
這個產檢價有八天高於這個法令七天多一天賠產價呢這個賠產檢跟賠產價有八天也是多一天然後呢產後呢有這個四十二工作日休息那法令呢是八週四十個工作天然後還有相關的這個育兒補助第一胎十二萬第二胎十五萬第三胎十八萬等等就是公股銀行裡面 |
| transcript.whisperx[338].start |
9108.26 |
| transcript.whisperx[338].end |
9125.72 |
| transcript.whisperx[338].text |
我想大家都想做到更好因為現在總統有這個宣誓就是希望說我們要照顧這個幼兒我們希望呢提供好的環境讓我們這個想結婚的結婚然後結婚之後能夠生小孩那龔谷洋這邊是不是能夠來帶頭做個示範 |
| transcript.whisperx[339].start |
9128.396 |
| transcript.whisperx[339].end |
9150.137 |
| transcript.whisperx[339].text |
我剛才講了一些育兒的福利政策我想育兒的部分就是職場的友善環境是很重要的那我們的工作同仁才能夠願意結婚、願意生、願意養那這個部分在這一次的整體戰略裡面也是一個非常大的一個重點我想勞動部的部分已經也有相關區域的法案會提出來公股銀行是你這邊可以 |
| transcript.whisperx[340].start |
9151.258 |
| transcript.whisperx[340].end |
9160.768 |
| transcript.whisperx[340].text |
可以帶頭做示範的啊當然第一個在法令的部分勞動部那邊會去做調整那公國航庫這邊他當然也要跟著法令走而且會朝更好的方向那越不越朝著這個趙鳳陽現在朝著更好的方向去做比趙鳳陽更好的方向去做就對了對更好更友善更友善那哪時候會公佈 |
| transcript.whisperx[341].start |
9169.837 |
| transcript.whisperx[341].end |
9195.702 |
| transcript.whisperx[341].text |
那就是會 整體會公佈就是在這個 下禮拜對 應該是下禮拜下禮拜所以比我剛剛提的這個兆豐銀行目前的這個政策更好您提的確實是大家的一個需要那我想這個政府也會在這個部分去做努力好 那反正如果更好的政策就由院長來宣布啦你知道跟我講那個方向就可以了啦好不好好 謝謝部長那金管會陳副主委好 來 謝謝 |
| transcript.whisperx[342].start |
9204.302 |
| transcript.whisperx[342].end |
9222.327 |
| transcript.whisperx[342].text |
副主委,我們個人投資的儲蓄帳戶,有沒有兒少版的TISA?我們目前在緊隆密鼓在研議,應該在近期會推出一個兒少TISA那方向是怎麼樣? |
| transcript.whisperx[343].start |
9223.935 |
| transcript.whisperx[343].end |
9247.292 |
| transcript.whisperx[343].text |
基本上的話因為在這個部分我們是讓他一個目標上就是一個投資跟資產累積的一個整合的一個方案那在這個部分的話我們會再請這個這個我們的這個投信的一些商品在不管在手續費管理費在讓利那希望呢在這個地方再透過我問一個重點有沒有政府補助 |
| transcript.whisperx[344].start |
9250.264 |
| transcript.whisperx[344].end |
9268.392 |
| transcript.whisperx[344].text |
這個在這個在整體的一個520的整個一個大計畫當中的確是有一個這個部分的一個研議啦那是不是補助或者是說今天裡面有部分管控在做兒少TESA投資帳戶這個地方我們想在下週都會明確的宣布對啊那方向呢有沒有 |
| transcript.whisperx[345].start |
9271.867 |
| transcript.whisperx[345].end |
9296.397 |
| transcript.whisperx[345].text |
方向是正向方向是正向的好 立多都留給長官來做宣布啦方向是有正向的那正向就是有啊 有政府補助啊這也不算補助啦也不算補助 政府希望讓這個18歲的時候會有第一桶金18歲有第一桶金那第一桶金是家長給的還是政府給的啊這就有差啦 |
| transcript.whisperx[346].start |
9297.594 |
| transcript.whisperx[346].end |
9305.739 |
| transcript.whisperx[346].text |
政府一定會有所支持 政府會有支持好 OK 好 那希望說這個下禮拜會有更多綠多政策出來來 謝謝 謝謝委員好 我們結束李昆成委員的質詢 接下來請林思銘委員好 謝謝主席 主席先請財政部莊部長 |
| transcript.whisperx[347].start |
9333.061 |
| transcript.whisperx[347].end |
9349.427 |
| transcript.whisperx[347].text |
部長早部長我想今天是賴總統就職兩週年部長你則是在2023年1月31號上任也就是您跨了兩位總統與兩位行政院長的任期 |
| transcript.whisperx[348].start |
9350.367 |
| transcript.whisperx[348].end |
9374.856 |
| transcript.whisperx[348].text |
所以我今天第二個問題要問部長您的任期跨越了兩屆的執政團隊您覺得您自己或者是財政部的表現在這兩屆有什麼不同你有沒有什麼成績你認為跟上一屆比起來你這一屆有什麼值得誇口的一些政績可以跟我們大家來分享一下 |
| transcript.whisperx[349].start |
9376.223 |
| transcript.whisperx[349].end |
9394.352 |
| transcript.whisperx[349].text |
跟委員報告我不敢誇口但是我個人來說就是盡心盡力但是我們的團隊財政部團隊是非常優秀的他們也都盡心盡力都在做我想大家都努力在做那至於這個成績我想我們可以在相關的年報裡面都有所呈現那是讓國家整個財政更為穩健那我們稅制更為 |
| transcript.whisperx[350].start |
9398.834 |
| transcript.whisperx[350].end |
9417.831 |
| transcript.whisperx[350].text |
合理我想這個部分是大家努力一直包含官務的也好國產也好各個層面大家都是努力的往前走我想這個城鎮部是很努力在做是這個大家有目共睹但是值得誇口的我覺得也部長也不用去那麼客氣其實這個比如說我例如 |
| transcript.whisperx[351].start |
9419.113 |
| transcript.whisperx[351].end |
9437.815 |
| transcript.whisperx[351].text |
普發現金這件事情全民共享經濟的成果在去年發了一萬塊大家全民可以說非常的高興所以部長你認為普發現金這件事情財政部可不可以記上一筆功勞 |
| transcript.whisperx[352].start |
9439.935 |
| transcript.whisperx[352].end |
9460.07 |
| transcript.whisperx[352].text |
執行這個普發現金這件事情財政部和其他相關部會是一起努力包含金管會也一起還有數位部大家一起努力那真正在主導執行的是在財政部那這個我們的國庫署以及各公股行庫以及民營的行庫也都在等等的程序上都很方便那目前也跟委員報告總共領取人員已經有2336萬 |
| transcript.whisperx[353].start |
9465.073 |
| transcript.whisperx[353].end |
9471.319 |
| transcript.whisperx[353].text |
那到4月生的新生兒他可以領到5月22號謝謝這個機會來讓大家所以這樣聽起來你也是對這個普發現金這件事情蠻贊同的啦不是所以我是說普發現金執行的狀況我知道跟普發現金是不是但是跟各部位所以那你是不同意囉你覺得這件事情不好嗎 |
| transcript.whisperx[354].start |
9486.093 |
| transcript.whisperx[354].end |
9506.035 |
| transcript.whisperx[354].text |
不是這個事情政策決定以後我們去做後續的執行是部會共同努力那最後是財政部是做統籌部長其實我是比較想聽到您說這件事情您覺得普發這件事情是財政部一個很好的政績所以我接下來想請問你 |
| transcript.whisperx[355].start |
9507.276 |
| transcript.whisperx[355].end |
9516.189 |
| transcript.whisperx[355].text |
那如果今年我們的稅收又超支的話未來有沒有可能再規劃說在今年再做一次現金的一個普發現金還稅於民 |
| transcript.whisperx[356].start |
9518.612 |
| transcript.whisperx[356].end |
9535.483 |
| transcript.whisperx[356].text |
跟委員報告今年的因為總預算還沒有審議所以預算案數還沒有出來但是要跟委員報告就是說我們沒有所謂的超增只是實增數跟預算數之間有所差距那我們所收的稅事實上都是進入國庫那由政府統籌來做運用 |
| transcript.whisperx[357].start |
9538.285 |
| transcript.whisperx[357].end |
9556.857 |
| transcript.whisperx[357].text |
統籌運用然後對於需要協助的弱勢的我們應該加強的協助那也希望能有國家更好的財政來做國家的建設然後培養整個經濟的發展然後才有更好的稅源然後協助更多的社會福利這是很官方的回答但是我提醒你一下 |
| transcript.whisperx[358].start |
9559.359 |
| transcript.whisperx[358].end |
9573.967 |
| transcript.whisperx[358].text |
當時財政部的官網表示全民加一政府相挺普發現金提供多元領取管道另外也強調全民共享經濟的成果都是正面表態支持將稅收超支的稅收還稅於民而且確實 |
| transcript.whisperx[359].start |
9577.529 |
| transcript.whisperx[359].end |
9602.228 |
| transcript.whisperx[359].text |
人民普遍大家都非常的喜悅那也確實振興了國內的經濟及消費所以還稅漁民的政策可以說是朝野都是支持的一個政府的其實是一個德政還稅漁民所以部長您是否認同說還稅漁民的措施應該列為長期的一個政策規劃甚至我們在立法上予以體現你是否認同 |
| transcript.whisperx[360].start |
9604.955 |
| transcript.whisperx[360].end |
9609.779 |
| transcript.whisperx[360].text |
跟委員報告已經說了就是所謂的時增數跟預算數之間的差距它不是超增就很白話啦時增數收了以後國家的稅收是進入國庫統籌去做運用嘛那現行的法律也已經很清楚了在稅收超於預期的時候又要怎麼樣做配置 |
| transcript.whisperx[361].start |
9629.753 |
| transcript.whisperx[361].end |
9654.747 |
| transcript.whisperx[361].text |
然後第一個我們可以減少舉債然後厚實我們的財政的一個韌性那至於如何的配置以及如何去協助公共系統的一個發展公共建設以及對真正需要的民眾可以獲得國家的支持我想這是財政資源的一個配置因為我想我們未來在規劃上面如果像這個去年或者前年超徵的稅收已經高達了四五千億 |
| transcript.whisperx[362].start |
9655.848 |
| transcript.whisperx[362].end |
9683.557 |
| transcript.whisperx[362].text |
所以這個時候已經超增了可以說非常跟你預期的這個稅收的增加非常的多所以這時候呢還稅於民這個政策你這支不支持啦如果一萬塊才兩千三百億嘛如果你徵收的實收數已經有四五千億你還有其他的大概兩三千億可以運用啊去還債啊所以去讓全民共享這個經濟成果你過去說啊這個力挺啊 |
| transcript.whisperx[363].start |
9685.7 |
| transcript.whisperx[363].end |
9693.093 |
| transcript.whisperx[363].text |
那你現在如果今年一樣這種經濟成果又出現的話難道你沒有想做這方面的規劃嗎 |
| transcript.whisperx[364].start |
9695.514 |
| transcript.whisperx[364].end |
9705.32 |
| transcript.whisperx[364].text |
有關經濟成長的果實讓民眾分享那當然是應該的那也跟委員報告114年的稅收中央的部分事實上是比預算數是少了251億 |
| transcript.whisperx[365].start |
9725.173 |
| transcript.whisperx[365].end |
9737.083 |
| transcript.whisperx[365].text |
很大方的說出如果我們的經濟成果有這麼好的話我們願意來執行這件事情我想你的建議會影響整個行政團隊他們的一個這個決策嘛 |
| transcript.whisperx[366].start |
9738.234 |
| transcript.whisperx[366].end |
9761.593 |
| transcript.whisperx[366].text |
好不好 OK 好啦 這個議題就到這裡一步為難你了另外 部長您今天的專報提到積極落實流財纜財的措施持續改善員工權益及福利政策採取多元管道招攬強化升遷流財機制優化員工福利 營造友善的職場環境但是我們看到最近媒體報導 |
| transcript.whisperx[367].start |
9763.614 |
| transcript.whisperx[367].end |
9778.803 |
| transcript.whisperx[367].text |
八大公股銀行正面臨中高階主管的退休潮今年預估將近有20位副總經理接鄰退休如果再加計經理級以上的主管全年可能有超過百位的中高階主管退休 |
| transcript.whisperx[368].start |
9779.984 |
| transcript.whisperx[368].end |
9794.026 |
| transcript.whisperx[368].text |
過去三年整體公股銀行的副總經理加上那個經理級的主管退休人數出估已超過了250位甚至有單一行庫近三年的中高階主管退休人數接近百人 |
| transcript.whisperx[369].start |
9795.049 |
| transcript.whisperx[369].end |
9814.833 |
| transcript.whisperx[369].text |
公股銀行一邊要做人力的招募規劃卻一邊出現了高階的主管的一個退休潮啊所以部長我想請問你啊未來財政部是否還是會沿用按年資升遷的舊制或者建立新的中升代接班中高階主管的一個培育機制 |
| transcript.whisperx[370].start |
9816.84 |
| transcript.whisperx[370].end |
9846.155 |
| transcript.whisperx[370].text |
你如何來招攬 留住人才來招攬人才我想對於有關內部的員工的升遷的機制各個公股行庫待會根據他的公司治理來去訂定但是我們會公股行庫一直朝著透明公平的一個升遷而且能夠縮短這個升遷的一個年資讓他們可以對於青年朋友們具有發展潛能的表現優異的可以提前拔佐 |
| transcript.whisperx[371].start |
9846.755 |
| transcript.whisperx[371].end |
9870.635 |
| transcript.whisperx[371].text |
這是很重要的年資不是唯一所以我剛才一直提醒你其實我希望說你盡早建立中高階主管接班的一個培育機制這個機制要把它建立起來這個部分我們其實財政部也都有在做我們對於中高階的一些經理人我們有相關的一些培訓不然結合金融研訓院或者我們自己財訓所在辦理都有的 |
| transcript.whisperx[372].start |
9871.618 |
| transcript.whisperx[372].end |
9889.948 |
| transcript.whisperx[372].text |
有啦 有在積極的做這個 弄一套制度出來啦好的 謝謝另外對這個新清安政策 7月就要屆期了嘛那各界都在關注新的方案 會有哪些調整所以部長 財政部在朝你的方案預計何時會提出我們希望 我們大概預計會在6月底左右提出 |
| transcript.whisperx[373].start |
9896.007 |
| transcript.whisperx[373].end |
9913.87 |
| transcript.whisperx[373].text |
6月底會提出嗎對 6月底的時候提出財政部的想法跟我們負責的各核帶的供股航庫目前最大的差異點是在哪裡我們其實除了跟供股航庫討論之外我們也邀同了央行還有金管會以及內政部一起都來做討論 |
| transcript.whisperx[374].start |
9915.652 |
| transcript.whisperx[374].end |
9940.615 |
| transcript.whisperx[374].text |
對於過去三年執行的一個狀況以及未來要採取什麼樣的一個做法都持續的在討論討論完以後我們有具體方案就要報行政院核定所以我們預計的期程希望在六月底之前能夠定案以後跟社會大眾來做報告各行庫的董事長關於新清安的方案跟你有沒有什麼建議或有不同的看法 |
| transcript.whisperx[375].start |
9941.926 |
| transcript.whisperx[375].end |
9959.806 |
| transcript.whisperx[375].text |
我們各行庫的董總們的一些建議都在我們會上都有提出來都有做討論的我想這個新青岸政策大家都很關心這個版本希望六月底才能提出六月底就會提出來 |
| transcript.whisperx[376].start |
9961.028 |
| transcript.whisperx[376].end |
9964.911 |
| transcript.whisperx[376].text |
6月底我們的預計期程是6月底對社會大眾報告跟選舉沒關 因為是7月因為新青安是到7月31號屆滿嘛所以我們要在屆滿前差不多這樣提出來跟選舉沒有關係啊 |
| transcript.whisperx[377].start |
9976.332 |
| transcript.whisperx[377].end |
9993.379 |
| transcript.whisperx[377].text |
就是希望能夠繼續執行就對了會繼續執行委員是希望繼續執行是不是不是啊我就要斟酌各大公股行股的意見啊會當然公股行股意見也很重要我們一併做檢討好我們謝謝林思敏委員的質詢接下來請羅明財委員 |
| transcript.whisperx[378].start |
10005.563 |
| transcript.whisperx[378].end |
10013.567 |
| transcript.whisperx[378].text |
主席各位請莊部長還有央行請莊部長,央行原副總裁然後政企局的局長對不對?委員好沒有的話副局長好來,那個幾位重要的財經官員的好現在那個股市啊嗆嗆叫啊那部長 |
| transcript.whisperx[379].start |
10034.136 |
| transcript.whisperx[379].end |
10060.277 |
| transcript.whisperx[379].text |
現在那個當沖降稅時間又快到了要不要打算再延啊那明年底啊明年底的一轉眼就到了啊現在我們看到當沖可以說是這一次的整個股市熱絡的一個重要的推手的一環當初如果沒有當沖降稅那今天也不大可能會漲到4萬點啊那 |
| transcript.whisperx[380].start |
10063.075 |
| transcript.whisperx[380].end |
10083.763 |
| transcript.whisperx[380].text |
對於當沖降稅部長會不會想那就確定讓他明確化畢竟請那個央行副總裁上來其實有一個重大的意義就是台灣現在整個股市的市值是全世界的第六大我們覺得這樣就滿意了嗎 |
| transcript.whisperx[381].start |
10092.608 |
| transcript.whisperx[381].end |
10104.612 |
| transcript.whisperx[381].text |
委員因為中央銀行的角色不合適在這邊去評論股市的一個問題那你們今天很厲害啊你們的腳褲要繳多少上繳兩千億什麼原意案以前到達1700億1800億怎麼會多出300億 |
| transcript.whisperx[382].start |
10109.113 |
| transcript.whisperx[382].end |
10132.918 |
| transcript.whisperx[382].text |
我們前幾年就開始有提高到兩千億了都到兩千億嗎對是什麼原因跟十年前一樣因為我們的外匯資產規模也擴大了所以這個是一個關鍵因素規模擴大現在外匯存底是多少六千零二十四億的樣子六千多億那我剛有看到黃金王子有來到現場 |
| transcript.whisperx[383].start |
10134.727 |
| transcript.whisperx[383].end |
10149.526 |
| transcript.whisperx[383].text |
台銀的楊天立黃金王子黃金王子在十年前他就大力的叫好黃金未來的發展你認不認識這位 |
| transcript.whisperx[384].start |
10153.383 |
| transcript.whisperx[384].end |
10177.951 |
| transcript.whisperx[384].text |
請上來一下副總裁好像不大認識沒有沒有我在電視上聽過他的演講我馬上幫你介紹一下楊天立讓台灣未來你的金庫越來越美麗就在你後面那一位認識一下講得很準啊十年前每盎司就從大概是1270塊一盎司漲到快5000塊啊 |
| transcript.whisperx[385].start |
10182.861 |
| transcript.whisperx[385].end |
10204.404 |
| transcript.whisperx[385].text |
那央行對於黃金未來的發展是看多還是看空因為我們過去黃金作為我們一個發行準備我們覺得維持那樣子的存量跟其他國家來比也是一個非常適中的情況所以我們過去都沒有再考慮去增持黃金的問題 |
| transcript.whisperx[386].start |
10205.578 |
| transcript.whisperx[386].end |
10229.77 |
| transcript.whisperx[386].text |
那現在美國30年的公債殖利率已經跌破5%啦你會不會考量說手上對美元的這些債券是要增加還是要減持我們會看整個金融市場的利率的狀況我們會去調整我們的外匯存底的配置好啦 戰爭結束利率都下降所以你怎麼看你是說那個美國伊朗 |
| transcript.whisperx[387].start |
10236.994 |
| transcript.whisperx[387].end |
10242.07 |
| transcript.whisperx[387].text |
你是說美國的殖利率是吧對 30年殖利率已經跌破了5% |
| transcript.whisperx[388].start |
10244.538 |
| transcript.whisperx[388].end |
10270.16 |
| transcript.whisperx[388].text |
沒有最近這幾天它其實那個殖利率又在飆升的還蠻高的所以央行的看法是怎麼樣其實因為我們只是國際市場的這個美債的一個參與者我們會注意這個問題但是我們不太可能去評估副總裁因為現在台灣整個股市的情況不一樣當然雖然是第六名 |
| transcript.whisperx[389].start |
10271.363 |
| transcript.whisperx[389].end |
10297.461 |
| transcript.whisperx[389].text |
本席還是期許他有機會可以成長到全世界的排名大概五名內有沒有這樣的可能跟機會我剛才講過我們央行的角色可能不方便去評好 那請莊部長然後那個黃金王子在後面你是主動跟副總裁報告一下十年前要他聽你的建議那央行賺得盆滿钵滿 |
| transcript.whisperx[390].start |
10300.419 |
| transcript.whisperx[390].end |
10312.955 |
| transcript.whisperx[390].text |
是不是你們那個黃金黃紙 報到一下那莊部長不好意思啦 借財啦因為他是台灣銀行裡面的高材生 |
| transcript.whisperx[391].start |
10314.127 |
| transcript.whisperx[391].end |
10331.603 |
| transcript.whisperx[391].text |
那接著就要請教一下莊部長未來我們這個整個市場變化我們期許台灣越來越好啊有沒有機會上看全世界前五大的這個自由經濟市場的這個交易 |
| transcript.whisperx[392].start |
10332.403 |
| transcript.whisperx[392].end |
10348.669 |
| transcript.whisperx[392].text |
我們都期望台灣越來越好好 既然期望要好 制度要改變了首先就講投信投信你現在4加1那你4加1整個佔的股本是多大現在4加1哪4加 |
| transcript.whisperx[393].start |
10353.339 |
| transcript.whisperx[393].end |
10380.969 |
| transcript.whisperx[393].text |
第一還有華南、兆豐跟合庫這四家合庫也有加起來它的市占大概是多少市占多少我想請那個數據我們等一下先查一下再提供跟委員幫忙你一邊查其實外界都在看說你這個四家併起來到底代表什麼意義只是為了說大家喊四加一就四加一四加合併變一加 |
| transcript.whisperx[394].start |
10382.449 |
| transcript.whisperx[394].end |
10401.831 |
| transcript.whisperx[394].text |
那究竟他在市場上有沒有很強大的力度他的目標到底是什麼你是加一的市占是多少光是一家元大投信來你把數據跟大家講元大要投信他的市值有多大他的市占有多大 |
| transcript.whisperx[395].start |
10403.751 |
| transcript.whisperx[395].end |
10421.149 |
| transcript.whisperx[395].text |
他光發一個0050啊就每一年也沒做什麼事坐在那邊開開心心的每年就賺到兩三百億啊好 你現在剛剛所講的這世家合併那你們要推出什麼你們未來的計畫是什麼 |
| transcript.whisperx[396].start |
10423.117 |
| transcript.whisperx[396].end |
10438.206 |
| transcript.whisperx[396].text |
不是因為為了找位置大家併來併去吧把經營規模擴大能夠擴大它的中小我想這是主要的目的因為都比較小這世家併起來都小小的世家併起來一定比原來大對 大多少 |
| transcript.whisperx[397].start |
10441.076 |
| transcript.whisperx[397].end |
10453.821 |
| transcript.whisperx[397].text |
加起來市占不過2.4%啦部長你如果在市場上真的要發揮他的影響力的話有時候政策上的一個目標起碼應該要市占要20%以上吧 |
| transcript.whisperx[398].start |
10455.948 |
| transcript.whisperx[398].end |
10479.327 |
| transcript.whisperx[398].text |
會不會考慮再增資委員您的意思是說不要併是不是因為併了也不夠大不是 併了還不夠嘛你併只是第一步你第二步要做什麼而且因應未來整個台灣如果發展成為全世界的前五大的證券交易所的市場的交易一樣像每天日均值都超過一兆啦 |
| transcript.whisperx[399].start |
10481.124 |
| transcript.whisperx[399].end |
10502.773 |
| transcript.whisperx[399].text |
要做好準備另外公股裡面有沒有期貨公司公股裡面有啊有嘛哪一家有啊哪一家是有兆豐兆豐期貨是不是我們現在這個變成有點扭曲市場變得越來越大現在的期貨可以趕得上市場的變化嗎來請那個金管會 |
| transcript.whisperx[400].start |
10511.055 |
| transcript.whisperx[400].end |
10535.316 |
| transcript.whisperx[400].text |
我們都知道期貨的功能啊有時候就是Market Maker造勢有時候他是未來增加他的那個交易的量現在目前的期貨的情況輔主委你覺得現在滿意嗎萬一萬一啊很快到年底或者明年台灣股市要漲到五萬點以上 |
| transcript.whisperx[401].start |
10535.996 |
| transcript.whisperx[401].end |
10550.211 |
| transcript.whisperx[401].text |
交易都熱絡 成交量 日期量每天都超過一兆五千億的時候我們期貨的能量夠不夠現在目前它的ANC可不可以符合現在整個市場膨脹的這個量 |
| transcript.whisperx[402].start |
10552.193 |
| transcript.whisperx[402].end |
10556.837 |
| transcript.whisperx[402].text |
是 以目前期貨商來看的話我們大概是四家專營的資本額的話是203億它資產是8490億所以看起來是有它的一個規模但是如同我前面所講因為這一年來我們這個股市大概漲了大概38%左右1萬點漲到4萬點 |
| transcript.whisperx[403].start |
10573.17 |
| transcript.whisperx[403].end |
10586.435 |
| transcript.whisperx[403].text |
所以是說在這個情況之下的確目前為止的話我想是說業界有反映它ANC因為ANC這個地方呢利於20%要向本會來申報利於15%應該停止借單但是我們看來現在統計數據上面的話大概平均還有29點多各位 現在很多的民眾要下單 |
| transcript.whisperx[404].start |
10601.101 |
| transcript.whisperx[404].end |
10609.472 |
| transcript.whisperx[404].text |
這個期貨商已經接不了啦 都拒接啊是 其實它還有一個應變的一個措施美國啊 美國它的這個ANC啊 它的比例是多少 |
| transcript.whisperx[405].start |
10618.15 |
| transcript.whisperx[405].end |
10635.654 |
| transcript.whisperx[405].text |
美國計算方式跟我們國內不太一樣所以分子分母的儲存都不太相同我們現在平均不是到15%嗎因為我們的分母是調整後的資本金額分子是所謂客戶保證金其實裡面的參數的話是目前為止我們可以來檢討我們可以來檢討這部分讓期貨商他有更大能量來建新艙那把產品繼續推出來 |
| transcript.whisperx[406].start |
10642.396 |
| transcript.whisperx[406].end |
10670.277 |
| transcript.whisperx[406].text |
我們要與時激進像期貨未來有開放更多的黃金交易甚至跟美國一樣你可以開放一些虛擬貨幣的交易市場其實它有一個所謂的擴張就是創造信用跟一個未來的避險這也是我們在擴大我們的資本市場在這個地方也要給我們投資人自然人跟法人也要有避險的一個工具所以是說在這個部分我們會持續的努力 |
| transcript.whisperx[407].start |
10671.118 |
| transcript.whisperx[407].end |
10698.955 |
| transcript.whisperx[407].text |
那副主委最後如果台股漲上五萬點未來台灣的整個交易量交易市值可以超過前面的前五大那你其他的相關配套你準備好了嗎其實我們在這個部分的話不管在證券商的融資的部分以及委員這次提到的ANC的部分以及我們在ETF上面的產品上的設計讓它多元化以及呢 |
| transcript.whisperx[408].start |
10699.855 |
| transcript.whisperx[408].end |
10728.686 |
| transcript.whisperx[408].text |
培育指数我们不单单只看台积电我们也必须就是说台积电的确把我们整个市场拉上去而同时的中小企业的股数就是他们的不管是股份数或者是说它的一个价值也在提升刚刚有讲我们是挑时不偏时所以是说我们不单单会在AI以及我们的科技产业我们要在我们的传统产业以及其他的后职实力方面把大大小整个把它拉上来这样才有办法去达到说 |
| transcript.whisperx[409].start |
10729.406 |
| transcript.whisperx[409].end |
10757.218 |
| transcript.whisperx[409].text |
第五第四一直往上好 台股有沒有可能挑戰五萬點這個部分因為我們是監理機關那我們真的不便評論但是其實以目前為止的話我們本益比二十九以及我們對於相對於去年的這個整體的一個我們上市櫃公司的營收或這些史上最高是正向的方式但是起點我們是不敢預期那你要做好準備啊 |
| transcript.whisperx[410].start |
10758.358 |
| transcript.whisperx[410].end |
10778.213 |
| transcript.whisperx[410].text |
是做最好的準備啦萬一五萬點以後整個情況要不一樣嘛對 我們也會對投資人加以宣導就是說不要再看那個指數幾點幾點而要看%數因為這跟以前的一萬點兩萬點整個思維已經完全不一樣這我們也會持續對於金融教育的宣導我們也會不管是對於機構對於個人好 謝謝 |
| transcript.whisperx[411].start |
10780.435 |
| transcript.whisperx[411].end |
10784.357 |
| transcript.whisperx[411].text |
好請財政部部長副稅署請莊部長副稅署宋署長宋署長委員好以及我們金管會的陳副主委陳副主委 |
| transcript.whisperx[412].start |
10807.781 |
| transcript.whisperx[412].end |
10822.207 |
| transcript.whisperx[412].text |
我先延續一下剛才羅明財委員就是說我們現在的股市未來的狀況我們當然預期它我們希望它越來越好但是我們相關的法規政策面我覺得可能都要與時俱進做 |
| transcript.whisperx[413].start |
10824.128 |
| transcript.whisperx[413].end |
10850.834 |
| transcript.whisperx[413].text |
适度的有一些调整跟准备了解市场的变化有可能的变化公股民营银行期货商等等我觉得都必须要做相关的准备包括今天刚才几位委员提到的公共病未来在民间的银行怎么样具有更多承担类似像公股银行透过YES也好永续也好 |
| transcript.whisperx[414].start |
10851.494 |
| transcript.whisperx[414].end |
10871.773 |
| transcript.whisperx[414].text |
不只公股銀行承擔比如說我們現在的紓困也好 新清安我覺得應該透過不同的政策跟工具大家都一起來share一些我們國家的重要政策這是我要提醒金管會的地方也要提醒央行跟我們部長這邊大家一起我覺得這是需要你們跨單位一起來共同努力好 我回到 |
| transcript.whisperx[415].start |
10872.253 |
| transcript.whisperx[415].end |
10893.399 |
| transcript.whisperx[415].text |
副主委你可以請回我回到我今天質詢的重點我們現在是報稅的季節所以最近我知道大家都非常的忙您這邊也非常的忙那我關注到我之前我關注到一個議題就是包括我們網紅漏稅在六月底之前我們都可以補報免罰因為我們現在數位經濟之後我們網紅也非常的多之前我關注過這個議題那我們現在給予輔導期在六月份之後我們輔導期一過 |
| transcript.whisperx[416].start |
10902.142 |
| transcript.whisperx[416].end |
10926.778 |
| transcript.whisperx[416].text |
我們就要開始進入新的報稅的一些新的規範我們114年9月也發布有營業稅的新規定還有包括在12月去年12月也發布所得稅的新規這些新規定都在今年6月30號就借其滿了這個新規的內容就是有關於營業稅的部分個人營業稅的部分沒有達到五萬塊只要涉免 |
| transcript.whisperx[417].start |
10927.819 |
| transcript.whisperx[417].end |
10930.2 |
| transcript.whisperx[417].text |
免辦的稅籍登記就可以超過5萬塊的部分沒有達到20萬塊未來就是用小規模一夜人制由國稅局查定一夜稅課稅1%然後超過20萬以上使用統一發票稅額達到5% |
| transcript.whisperx[418].start |
10945.526 |
| transcript.whisperx[418].end |
10961.907 |
| transcript.whisperx[418].text |
那我們未來就可以依照這個來去做調整那我要請問我們宋署長就是說我們兩者的輔導期都到6月30號就到此為止那我們現在民間跟基層的執行面是不是都已經做好準備 |
| transcript.whisperx[419].start |
10963.167 |
| transcript.whisperx[419].end |
10982.006 |
| transcript.whisperx[419].text |
你關注到的是 我們從去年發布這兩個規範之後我們有請各地區國稅局就是產出清單就是我們去用大數據去蒐集資料看看可能潛在符合這個條件的網紅在哪裡然後我們有請各地區國稅局都去輔導 |
| transcript.whisperx[420].start |
10984.108 |
| transcript.whisperx[420].end |
10999.931 |
| transcript.whisperx[420].text |
平台都很清楚知道這些規範嗎所有的平台平台因為它是大我們講大部分都跨境平台跨境電商部分他們都有大部分都四大會計師事務所服務我們都有請他幫忙去跟平台說明好 |
| transcript.whisperx[421].start |
11000.612 |
| transcript.whisperx[421].end |
11024.565 |
| transcript.whisperx[421].text |
那個署長部長我為什麼會提這件事情因為我已經接到澄清案了就是說輔導期還沒有結束然後我這邊收到澄清案就是收入介於五萬到二十萬的小型網紅依法依照新規他是可以用小型規模藝人方式來辦理是用課稅百分之一民用統一發票用收據的部分就可以來清還可是你看到齁我整理了兩個平台齁 |
| transcript.whisperx[422].start |
11025.906 |
| transcript.whisperx[422].end |
11048.917 |
| transcript.whisperx[422].text |
A平台公告就是他的平台他就直接公告收入五萬塊以上的主播一律虛開統一發票不接受收取他就直接寫包括平台公告比如LUN的LIVE還有包括平台公告就是SEVENTEEN的LIVE裡面他們就寫得很清楚他們就已經這樣子寫所以我的意思就是說我們有這些新規範 |
| transcript.whisperx[423].start |
11050.077 |
| transcript.whisperx[423].end |
11066.312 |
| transcript.whisperx[423].text |
但是這些平台不了解我們新規範未來執行的政策面怎麼去做處理他就做這個公告出來所以我們的新規範被這些平台我不知道他是不清楚還是不了解他這個規範一出來 |
| transcript.whisperx[424].start |
11068.294 |
| transcript.whisperx[424].end |
11072.717 |
| transcript.whisperx[424].text |
我們的新規範就馬上被加工這個跟我們新的規範也是互相衝突的所以這也造成很多網紅即便他依法完成了稅期登記但是他卻沒有辦法用小型規模營業人的身份他也只能被迫從兩個當中二選一無法獲得小型規模營業人的法定權益這是我要強調就是說我這邊見到的陳情人包括在Long Life裡面還有包括在Seventeen Life裡面 |
| transcript.whisperx[425].start |
11096.954 |
| transcript.whisperx[425].end |
11121.843 |
| transcript.whisperx[425].text |
然後平台規範的就完全不一樣這跟我們現在新的規範也是互相衝突所以我有幾個建議就是說未來我就在直播平台我覺得小型現在很多網紅也好他沒有辦法去了解我們稅制這麼複雜的稅制所以平台我覺得他不能說他只是公告他的他應該去作為稅制制度重要的嫁接橋樑所以我剛剛一開始問你說 |
| transcript.whisperx[426].start |
11125.004 |
| transcript.whisperx[426].end |
11149.25 |
| transcript.whisperx[426].text |
我們到底有沒有輔導機我們輔導機不是放在那邊公告給大家看而是我覺得要針對這些平台要了解他們到底知不知道怎麼做不要在網紅之間跟這些平台之間其實造成很大的不便跟衝突我們既然有這樣的新規範我們就要了解他們到底做得如何所以我覺得財政部就必須要加強對直播平台的宣導跟輔導而且現在數位經濟之後 |
| transcript.whisperx[427].start |
11152.611 |
| transcript.whisperx[427].end |
11178.839 |
| transcript.whisperx[427].text |
也越來越多我們政府不是只要應繳納稅你收錢來就好我們既然有新的規範我們就要做到充分的溝通我們的政策的功能所以第一個我覺得應該加強宣導平台包括小型網紅他們沒有辦法去研究複雜的稅制那我們未來也要發布相關的指引如何平衡在平台當中還有網紅當中的這些資訊上的落差我覺得這是我要提醒 |
| transcript.whisperx[428].start |
11179.759 |
| transcript.whisperx[428].end |
11201.067 |
| transcript.whisperx[428].text |
產生部的地方所以我覺得包括營業稅跟所得稅它的適用的界線到底在哪裡還有包括小型營業人他收據請款他的法定權益到哪裡他不同收入的樣態未來申報的方式我都希望透過我今天的質詢這三點未來要加強去做說明因為我今天時間不多我這個議題就到此為止所以我要提醒 |
| transcript.whisperx[429].start |
11205.748 |
| transcript.whisperx[429].end |
11224.062 |
| transcript.whisperx[429].text |
處長的地方那第二其實跟你也有關係因為我最近陳情的人也特別多撫養親屬的免稅額的部分我當然清楚我們現在大概有四個不同的身為這行之已年每次碰到這種免稅額報稅劑家庭親屬關係很好的或許沒有問題由其中一個兄弟姐妹來申報大家也就互相不計較了 |
| transcript.whisperx[430].start |
11232.268 |
| transcript.whisperx[430].end |
11254.435 |
| transcript.whisperx[430].text |
但是有的人可以出時間有些子女也願意多花一點錢來照顧子女因為每個人經濟條件不一樣時間的分配也不一樣但是這個有時候家裡能夠協調到我們希望家裡能夠自行協商但是我相信署長就很清楚我們現在的同仁除了要負責報稅之後我們還要去了解 |
| transcript.whisperx[431].start |
11257.957 |
| transcript.whisperx[431].end |
11283.933 |
| transcript.whisperx[431].text |
實際撫養事實到底是什麼有時候吵翻天在我們這邊曾經吵翻天找你們來去做最後的判定有時候你們還要去調查資料他有沒有實際居住天數我負責輪流照顧父母是不是真的照顧這麼多你們變成有一點法官的那種角色在裡面其實我覺得也是非常的辛苦但是根據民法 |
| transcript.whisperx[432].start |
11285.307 |
| transcript.whisperx[432].end |
11305.102 |
| transcript.whisperx[432].text |
我們有幾個大的原則就是說在稅制的設計上我覺得我們民法有說有共同撫養的責任在裡頭那按照道理說有共同撫養的程度應接受撫養的權利之需要民法第1119條就是說負責撫養的義務者也可以用他的經濟能力還有身份來訂定 |
| transcript.whisperx[433].start |
11311.186 |
| transcript.whisperx[433].end |
11339.76 |
| transcript.whisperx[433].text |
所以在民法跟社會大眾的觀念當中由父母跟兄弟姊妹共同撫養是一種按照個人經濟能力分擔的連帶義務這是民法所解釋的所以說我覺得民法解釋就是說其實負責撫養的能力是可以分割的就是說大家可以分割就是說撫養父母的工作但是在財政部對於免稅額撫養父母免稅額你提出來是不可分割的 |
| transcript.whisperx[434].start |
11341.1 |
| transcript.whisperx[434].end |
11357.688 |
| transcript.whisperx[434].text |
這也造成我們現在就是剛剛你這個順位要去處理你還要去查到底有沒有照顧父母這麼多天然後還要去掃除一些收據來就是說誰負擔的比較多我覺得這個是跟民法的精神是互相違背那個署長你同意我的說法嗎 |
| transcript.whisperx[435].start |
11358.368 |
| transcript.whisperx[435].end |
11387.633 |
| transcript.whisperx[435].text |
我跟委員報告當然我們原則上稅法有時候會參考相關法律的規定但是因為租稅的可證究竟我們不只是要考慮一個稅制有時候還要考慮它可執行的程度因為現在我們是採加護申報制每一個人都有一個免稅額那這個免稅額因為它不只要申報它為撫養期數來檢出它的免稅額它還有相關的扣除額還有相關的所得到合併申報這時候在我們稅制上 |
| transcript.whisperx[436].start |
11387.813 |
| transcript.whisperx[436].end |
11388.494 |
| transcript.whisperx[436].text |
我們公務人員本來就是要去做 |
| transcript.whisperx[437].start |
11406.601 |
| transcript.whisperx[437].end |
11420.639 |
| transcript.whisperx[437].text |
不要說辛苦的事就是要了解大家的狀況去做不同的處理因為我們目前的稅制跟民法的精神是互相違背包括最高法院也曾經判定就是說如果協議不成的話就雙方平均來去做申報 |
| transcript.whisperx[438].start |
11421.94 |
| transcript.whisperx[438].end |
11450.26 |
| transcript.whisperx[438].text |
所以由單一一個來去做申報你看民法最高法院98年度也曾經有案例就是說綜合所得稅的申報就同一個撫養親屬申報的免稅額如果有數個權利人應由雙方先做協議但是或者是由雙方互相就是分由雙方申報如果協議不成由雙方平均申報98年最高法院也曾經有做過這樣子的判定 |
| transcript.whisperx[439].start |
11450.64 |
| transcript.whisperx[439].end |
11453.823 |
| transcript.whisperx[439].text |
所以我有幾個最終的建議就是說未來我覺得也不應該讓稅務委員去承擔到底誰撫養程度的高低我覺得這對你們來說工作來說也有不可承受之重你們也非常辛苦有些人他可以出多一點錢照顧朋友但是以我來說我就是沒有時間 |
| transcript.whisperx[440].start |
11470.612 |
| transcript.whisperx[440].end |
11493.012 |
| transcript.whisperx[440].text |
我的姐姐我弟弟就是有比較多的時間所以我覺得要你們來去做這樣判定我覺得也不合理那個量化你怎麼去做比較有人出多一點錢有人出多一點的時間誰負擔照顧父母的責任比較多你這個很難去拿一條線來去做量化我覺得這不公平所以以上未來我希望從這三個政策面一二三我寫三個因為時間到了來去做書面評估做報告 |
| transcript.whisperx[441].start |
11496.635 |
| transcript.whisperx[441].end |
11516.38 |
| transcript.whisperx[441].text |
來去做分析 也不要違反民法的精神我覺得要你們來去做判定也是不可承受之重可以嗎 部長可以嗎好 可以啊 我們用書面來做回覆好嗎好 要真正去研議這三項 又分這三項來去做可行性的評估 好不好我有寫得非常的清楚 好不好謝謝宋署長 謝謝部長謝謝李燕秀委員的資訊 |
| transcript.whisperx[442].start |
11524.744 |
| transcript.whisperx[442].end |
11526.144 |
| transcript.whisperx[442].text |
接下來我請王世堅委員謝謝主席我請金管會彭主委今天是陳副主委是是是 |
| transcript.whisperx[443].start |
11555.102 |
| transcript.whisperx[443].end |
11563.715 |
| transcript.whisperx[443].text |
副主委,關於我國的私自總人口,我們私自人口大概39萬6千人,佔總人口數的3.69% |
| transcript.whisperx[444].start |
11569.912 |
| transcript.whisperx[444].end |
11577.256 |
| transcript.whisperx[444].text |
那失智總人口預計到2070年會高達83萬人那麼會佔人口數的5.27那這個失智啊在65歲以上老人失蹤 |
| transcript.whisperx[445].start |
11590.109 |
| transcript.whisperx[445].end |
11618.627 |
| transcript.whisperx[445].text |
裡面失智會是最大的原因佔三成啦平均一年大概一千五百位失智的老人家那就這麼樣失蹤了那失蹤之後有的有被尋獲那麼境況都很慘流落街頭那麼可以說他也忘記自己家庭自己親屬也忘記自己的銀行帳號可以說身無分文啊 |
| transcript.whisperx[446].start |
11620.327 |
| transcript.whisperx[446].end |
11646.207 |
| transcript.whisperx[446].text |
所以在這一個部分我們好多個案例好多個社會案例我就不多說啦所以我要說的就是說是不是我們應該積極去推動私自保險啊私自保險為什麼這麼講呢因為私自保險不應該只限於說只是金錢的補助 |
| transcript.whisperx[447].start |
11647.508 |
| transcript.whisperx[447].end |
11670.673 |
| transcript.whisperx[447].text |
賠償而已應該就是說讓這些應有的受益直接就可以幫到失智老人家他們在安養機構的支出怎麼安置他們那麼這樣才是符合社會的公平正義我不曉得你們有沒有積極在做那我舉個例子為什麼說要有專程的這個 |
| transcript.whisperx[448].start |
11676.118 |
| transcript.whisperx[448].end |
11694.546 |
| transcript.whisperx[448].text |
私自保險 因為多數保險公司很多案例啦 爭議的案例 像評議中心提出的就是說這些保險公司針對私自老人請求的理賠往往不理賠 原因他就是說這個啊 在 |
| transcript.whisperx[449].start |
11697.236 |
| transcript.whisperx[449].end |
11726.283 |
| transcript.whisperx[449].text |
你投保錢就已經有失智的現象發生啦但是所謂的失智現象發生並沒有在保險要求的說你保險那你是老人家那你要先去做失智評估並沒有所以這樣子的爭議太多了可以說我們在金融評議的爭議裡面光這幾年來這三年來的平均 |
| transcript.whisperx[450].start |
11727.898 |
| transcript.whisperx[450].end |
11753.812 |
| transcript.whisperx[450].text |
我們由110年度44%的這些老年人金融評議的爭議增加到現在兩對80.38%那麼非高齡者喔當高齡者的增高這麼多的時候那非高齡者只是他們的一半可見 |
| transcript.whisperx[451].start |
11755.629 |
| transcript.whisperx[451].end |
11771.851 |
| transcript.whisperx[451].text |
金融機構保險機構他們對老年人尤其失智老年人他們有一套他們在應變在腳拖的方式所以我認為要積極推動失智保險你覺得怎麼樣 |
| transcript.whisperx[452].start |
11774.98 |
| transcript.whisperx[452].end |
11797.447 |
| transcript.whisperx[452].text |
非常謝謝委員的一個提醒其實在這個部分我們已經看到了除了一般的社會安全網以外其實保險這個地方其實也是一個底層的一個社會安全網但是如果正如委員所講的如果只有給錢的話其實我們看到很多說窮的只剩下錢或者是老的只剩下錢因為它在某些的 |
| transcript.whisperx[453].start |
11797.987 |
| transcript.whisperx[453].end |
11811.752 |
| transcript.whisperx[453].text |
所以我希望李培是不是推動這樣的保險李培可以用到他該用的地方直接擠付過去否則他連自己有什麼樣的帳號多少錢都不曉得不是這樣嗎 是 |
| transcript.whisperx[454].start |
11812.992 |
| transcript.whisperx[454].end |
11831.267 |
| transcript.whisperx[454].text |
所以說其實不單單在保險比如說預開型的一個信託就是一開始的時候就指定一個所謂的監護以及這個信託呢就是到時候就會去安養他那對於市政的保險我們也則成功會現在目前在研議當中我是不是請那個保險局副局長跟人報告一下 |
| transcript.whisperx[455].start |
11832.748 |
| transcript.whisperx[455].end |
11851.776 |
| transcript.whisperx[455].text |
好 我時間有限 我知道言歷當中你到時候有個時辰給我具體的言歷到什麼程度我們已經實質可以做到什麼程度要告訴我因為我針對你剛剛講的這一句話這句話很對 安養信託啦其實私自抱怨跟安養信託應該相輔相成 |
| transcript.whisperx[456].start |
11854.144 |
| transcript.whisperx[456].end |
11874.651 |
| transcript.whisperx[456].text |
那現在我們的金融機構不是沒有做 有許多銀行有做像那個華南銀行可能是做最多的連彰化銀行都有做 華南銀行大概三萬五千件啦那這個彰化銀行他們也都有三萬多件公股 網股 台銀 土銀 包括兆豐也都有 |
| transcript.whisperx[457].start |
11875.291 |
| transcript.whisperx[457].end |
11901.218 |
| transcript.whisperx[457].text |
民營行戶大概只有玉山他們在做公營合作金庫也有在做雖然做的戶數都不多大概也都有兩萬人以上但是總的我們現在所有金融機構加總起來做安養信託的只佔總數百分之四啦總存戶的百分之四我認為那個 |
| transcript.whisperx[458].start |
11903.667 |
| transcript.whisperx[458].end |
11919.595 |
| transcript.whisperx[458].text |
副主委我認為這樣的數字還是太低我們要求金融機構銀行他們積極去推動那做的好的像華銀張銀他們有積極在做的要鼓勵他用什麼方式鼓勵他再繼續去推 |
| transcript.whisperx[459].start |
11922.458 |
| transcript.whisperx[459].end |
11937.796 |
| transcript.whisperx[459].text |
其實正如委員所講的我們目前為止安養信託大概有21萬人左右信託財產是1930億看起來不多但是其實從去年114年3月到115年3月它的成長比率是25% |
| transcript.whisperx[460].start |
11939.898 |
| transcript.whisperx[460].end |
11964.736 |
| transcript.whisperx[460].text |
等於是說呢在這個地方我們對於不管是說政府或者是民間或一般的家庭他呢重視到這個地方不單單是一個私自保險一般的銀髮的一個經濟對於安養信託或者以防養老呢大家都對於我們老有所養的這個部分的金融的資源呢其實他也給我們今晚會很大的一個期待我們也會持續的努力下去 |
| transcript.whisperx[461].start |
11966.738 |
| transcript.whisperx[461].end |
11980.854 |
| transcript.whisperx[461].text |
我們從111年四年前開始我們有要求企業上市櫃公司他們要去做這個 |
| transcript.whisperx[462].start |
11982.643 |
| transcript.whisperx[462].end |
12004.991 |
| transcript.whisperx[462].text |
永續發展這個評估就是關於排碳量溫室效應所謂的上市櫃公司永續發展路徑圖我們從四年前就開始推動那目標是要積極減碳這非常的好非常的好可是我要了解的就是說目前這個成效似乎 |
| transcript.whisperx[463].start |
12007.85 |
| transcript.whisperx[463].end |
12031.673 |
| transcript.whisperx[463].text |
不怎麼樣土地銀行他們有做他們做的就是說到兩年前為止他們企業綠色授信是佔他們總放款的10.35%也就是1230億土銀在這個部分有他算是交出比較亮麗的成績單可是 |
| transcript.whisperx[464].start |
12033.015 |
| transcript.whisperx[464].end |
12050.113 |
| transcript.whisperx[464].text |
也只有10%那所以這個部分是不是比較低是不是你要要求所有你轄管的金融機構應該在這個部分積極去推動因為我們既然有要求的要永續發展那這個但是這個永續發展繳交的這個報告都是讓 |
| transcript.whisperx[465].start |
12054.757 |
| transcript.whisperx[465].end |
12081.012 |
| transcript.whisperx[465].text |
這些表格都是給企業他們自己去填也沒有像土銀我剛剛講的這麼大筆金的1230億總數裡面大概都根據的也是企業自己繳交回來的關於這個碳排放關於這個部分他們自己的敘述描述根本沒有任何的監督沒有任何的考核那這個部分應該加強 |
| transcript.whisperx[466].start |
12082.273 |
| transcript.whisperx[466].end |
12109.592 |
| transcript.whisperx[466].text |
好不好好是在綠色金融部分的話其實已在四年前的所謂的赤道原則從關股銀行開始簽之後呢其實呢對於綠色的放緩他們就非常非常的一個重視那當然了在某些部分中小企業的話我們對於在綠色的一個定義就是說有些中小企業我們是鼓勵他轉型儘管他有一些他仍然有一些碳排污這些只要他有一些轉型措施呢在各個關股這一邊你剛剛講中小我光講 |
| transcript.whisperx[467].start |
12111.934 |
| transcript.whisperx[467].end |
12137.221 |
| transcript.whisperx[467].text |
中大的 大的就好啦 到前年底為止喔我們這麼要求 這2000家上市規公司裡面還有183家欸50億以下的 有183家他根本連甩都不甩 也沒有填去任何的表格但是他跟銀行跟金融機構還是正常在往來 |
| transcript.whisperx[468].start |
12138.85 |
| transcript.whisperx[468].end |
12148.357 |
| transcript.whisperx[468].text |
我們金融機構還是一樣在鼓勵他我覺得這個部分要定期追蹤考核好不好好 那時間暫停 您請回我請那個莊部長莊部長莊部長 莊部長 我跟你談到你你這個最心心念念的稅金你是一毛不拔 |
| transcript.whisperx[469].start |
12165.236 |
| transcript.whisperx[469].end |
12188.968 |
| transcript.whisperx[469].text |
那我裡面跟你提的這一點就是關於我們現在少子化已經是國安問題那麼醫藥及生育費這一個部分啊你們一直講一直堅持說坐月子中心是休養不是醫療性質所以坐月子中心不能抵稅啦那我因為時間到我簡單要求你說是不是 |
| transcript.whisperx[470].start |
12190.169 |
| transcript.whisperx[470].end |
12206.311 |
| transcript.whisperx[470].text |
少子化這是國安問題是所有部會的事情全方位的要來做那麼我們很清楚坐月子是對於女性產後她們身體保養復健是最好的一個方式 |
| transcript.whisperx[471].start |
12206.892 |
| transcript.whisperx[471].end |
12234.836 |
| transcript.whisperx[471].text |
那麼你要能夠這樣子讓產婦安心大家才敢生小孩不是這樣嗎而且也幫助女性同胞產後她能夠更快速回到她的工作崗位不是這樣嗎所以我認為應該把坐月子中心的費用納入醫療跟這個生育費納入到這裡面到列舉的扣除額裡面這樣好不好你什麼時候給我答覆 |
| transcript.whisperx[472].start |
12235.834 |
| transcript.whisperx[472].end |
12263.049 |
| transcript.whisperx[472].text |
委員我們是不是再用那個書面來跟您回覆書面不然你先粗暴跟我講你到底肯或不肯嘛我跟委員報告對於少子化的整體戰略的一個對策那個行政院以及總統會做一個完整的報告包含從生養到教育都會有一個完整的一個戰略性作業者中心是非常重要的一部分好不好我想這個部分在整體方案裡面也有提到國務院的事情不要一毛不拔啦不要一毛不拔好謝謝 |
| transcript.whisperx[473].start |
12265.05 |
| transcript.whisperx[473].end |
12289.922 |
| transcript.whisperx[473].text |
谢谢我们结束王世坚委员的质询其实相关的法案我们一路以来其实每一届每一个会期都有很多委员提出相关的法案希望这一次要调整也把一路以来过去委员所提出的法案一并去做完整的了解跟分析好接下来我请钟嘉斌委员我们12点开始开放我们现场用餐我们今天因为质询比较多好谢谢 |
| transcript.whisperx[474].start |
12309.321 |
| transcript.whisperx[474].end |
12325.358 |
| transcript.whisperx[474].text |
主席、站長委員、先進、列席、政府局長、市長、官員、會長、公共夥伴、媒體、記者、女士、先生。有請我們財政部莊部長、複稅署的宋署長,以及我們北區國稅局的李局長。請李局長。北安好。 |
| transcript.whisperx[475].start |
12331.121 |
| transcript.whisperx[475].end |
12351.939 |
| transcript.whisperx[475].text |
部長好 署長好 局長好今天我還是要問稅的問題那可能要多請署長好 協助來跑腿送菜創新生活納入優惠活絡經濟活動維持社會生活我到底要問什麼來看一下來我先請教一下剛好三位都可能都有去有沒有去過傳統市場買菜有都點頭用麥克風回答部長來請問一下有啊農民生產的農產賣給菜販農民要不要開收據 |
| transcript.whisperx[476].start |
12361.141 |
| transcript.whisperx[476].end |
12371.984 |
| transcript.whisperx[476].text |
直接講 快點 不管誰都可以如果菜販需要的話 農民可以開收據要不要扣營業稅 農民要不要繳營業稅免 我去傳統市場傳統攤商賣食材給菜籃主回家做菜請問這個傳統攤商會不會扣營業稅如果是生鮮農產品都免營業稅那要不要開收據 |
| transcript.whisperx[477].start |
12384.54 |
| transcript.whisperx[477].end |
12389.025 |
| transcript.whisperx[477].text |
今天有一個傳統市場,蔡蘭竹這個長輩他買了菜好重提不動,他叫了計程車然後計程車當他算車資嘛,計程車有沒有繳營業稅? |
| transcript.whisperx[478].start |
12408.223 |
| transcript.whisperx[478].end |
12415.958 |
| transcript.whisperx[478].text |
我們是用查訂的查訂還是要繳營業稅嘛那當然是五樓公寓底下阿嬤說這棟的你給我賣掉就好付給他小費搬運費要不要扣稅 |
| transcript.whisperx[479].start |
12423.322 |
| transcript.whisperx[479].end |
12433.312 |
| transcript.whisperx[479].text |
如果是小費我想是另外處理吧那是另外一件事情好但是如果今天這個阿公阿嬤他不方便出門他就打電話跟攤商說我要上來然後叫他常常載他的計程車司機說你給我 |
| transcript.whisperx[480].start |
12439 |
| transcript.whisperx[480].end |
12454.936 |
| transcript.whisperx[480].text |
結果上來所以這個計程車司機就去那收客戶跟這些泰商呢都拿了先帶電錢嘛對不對電了錢然後呢送到阿嬤家爬到四樓然後呢會跟他再加收一筆服務費請問這樣的一筆錢怎麼算他的稅 |
| transcript.whisperx[481].start |
12460.543 |
| transcript.whisperx[481].end |
12474.922 |
| transcript.whisperx[481].text |
這裡有所謂的買菜錢嗎 還有錢要誰付 稅要誰付攤商就不用付啦 他是生性食材 不用付稅啊所以他交給阿嬤 本來一千塊的菜錢加上兩百塊的跑腿費 |
| transcript.whisperx[482].start |
12476.598 |
| transcript.whisperx[482].end |
12501.609 |
| transcript.whisperx[482].text |
他的服務是兩百塊嘛不是一千兩百二嘛好 我要告訴你現在呢 往下一頁以前啊 以前啊我們鄉下有個大學生很天才啊他說我要當阿公阿嬤的公孫侍啊因為呢 老人家常常要人家跑腿他在大學暑假的時候找了一堆大學年輕人專門幫老人家常去線的地方幫他跑腿買車票啦 買什麼的 |
| transcript.whisperx[483].start |
12502.89 |
| transcript.whisperx[483].end |
12517.706 |
| transcript.whisperx[483].text |
好 那麼如果這些公孫是去幫阿公阿嬤傳統太陽飯買食材 送食材他如果是自願性的沒有收入 沒有稅對不對是自願性的沒有收入嘛 往下看我最近呢 看到這本書啊 |
| transcript.whisperx[484].start |
12519.085 |
| transcript.whisperx[484].end |
12547.401 |
| transcript.whisperx[484].text |
這本呢是一個在新莊傳統市場的第三代菜販攤商的第三代他看到傳統市場在沒落啊 為什麼不只是攤商老化顧客也老化好多老人家買了菜沒辦法拿所以他就當一個公孫師他就成立一個菜籃子公司跟傳統攤商把老人家的菜送到他家裡去請問他跟攤商會不會有競相發票 |
| transcript.whisperx[485].start |
12549.312 |
| transcript.whisperx[485].end |
12574.397 |
| transcript.whisperx[485].text |
他沒有競相發票啊對不對但是他很認真他成立公司他很認真他有出向的營業額結果你們國稅局說照他的營業金額扣稅啊這是北區國稅局因為他在新莊先不用查這個個案我要說的是說其實我們的商業行為有很多種模式 |
| transcript.whisperx[486].start |
12575.35 |
| transcript.whisperx[486].end |
12593.167 |
| transcript.whisperx[486].text |
好 部長 署長 還記得嗎 我常常在問一件事情一趴的營業稅 給那些餐飲業小規模 月經營業額為他八十萬讓他用一趴的營業稅 只要他有電子憑證就可以 對不對是不是這樣子 請回答餐飲業 他賣給消費者的時候 他沒有開發票 但他有一個憑證 |
| transcript.whisperx[487].start |
12598.089 |
| transcript.whisperx[487].end |
12619.274 |
| transcript.whisperx[487].text |
但是這個創新的模式它是進出向它也給那些攤商 我下訂貨嘛因為老人家記不起來啊出向也給老人家 也是給憑證啊它進出向沒有發票 但是它都有做憑證 做帳它才能越節請問它能不能適用我們營業稅一趴的優惠 |
| transcript.whisperx[488].start |
12622.16 |
| transcript.whisperx[488].end |
12649.929 |
| transcript.whisperx[488].text |
可能要了解 只有委員某不需要了解今天這個個案要告訴一件事情往下看其實我們的經濟活動受到政府的財政跟稅政政策影響很大其實這個公孫市可以幫助產種市場的存活老人家最常去哪幾個地方我算給你看第一公園運動第二市場買菜第三茉莉燒香第四醫院看病第五郵局領錢 是不是 |
| transcript.whisperx[489].start |
12650.729 |
| transcript.whisperx[489].end |
12670.371 |
| transcript.whisperx[489].text |
我們最不希望他去的地方是哪裡不希望他去醫院我們喜歡他去公園但是公園不用花錢他要去菜市場他要去公廟這個活動市場很重要如果老人家沒有辦法去市場我們的健保都要多花錢部長你同不同意 |
| transcript.whisperx[490].start |
12673.102 |
| transcript.whisperx[490].end |
12683.512 |
| transcript.whisperx[490].text |
好 所以我的結論往下看請評估有憑證且月經營業額低於80萬的就會適用營業稅1%的優惠的可行性去評估一下可以嗎 |
| transcript.whisperx[491].start |
12684.714 |
| transcript.whisperx[491].end |
12711.81 |
| transcript.whisperx[491].text |
我想我們評估那是不是時間上給我們三個月不需要啦 這個事情很簡單啦對 但是很多個報告累積起來兩個月好不好兩個月嗎 因為我想這個部分是我這麼說可以算你啊對啊 我們還是要把對不對 是不是給我們容許一下還是要三個月主席才是一下那個時間一個半月 一個半月啦 一個半月啦一個半月啦就更短了主席經常去菜市場買菜 還會討價還價 謝謝 |
| transcript.whisperx[492].start |
12714.448 |
| transcript.whisperx[492].end |
12719.452 |
| transcript.whisperx[492].text |
好 我們結束鍾嘉斌委員的質詢接下來請楊瓊英委員謝謝主席 要請部長 財政部長寧莊部長委員好 |
| transcript.whisperx[493].start |
12742.697 |
| transcript.whisperx[493].end |
12764.273 |
| transcript.whisperx[493].text |
我們來討論最近你們推出的也就是放寬身心障礙者二親等內親屬車輛免徵牌照稅的這個規定大家聽到這個非常的歡喜協助我們所有的身障者能夠讓他身邊二親等的人可以協助因為我們依據在去年3月份的時候我們統計 |
| transcript.whisperx[494].start |
12765.834 |
| transcript.whisperx[494].end |
12791.603 |
| transcript.whisperx[494].text |
身心障礙有領這個license的人呢有123萬多人所以這個呢對於整個社會來說它是一個正面的一個制度但是在推行的時候人家要去申請的時候呢卻碰到了問題了因為在監理制度是要求車籍地需與車主戶籍地是一致的但是我們的說法是是這個車籍地與這個身障 |
| transcript.whisperx[495].start |
12795.445 |
| transcript.whisperx[495].end |
12817.886 |
| transcript.whisperx[495].text |
這戶籍地相同即可免稅那現在怎麼辦呢 他們去申請了卡住了那就怎麼辦呢為什麼我們在推動制度的時候呢 橫向的聯繫似乎沒有先去把這個橫向聯繫好那現在我們預計要怎麼做 我們希望好的一個政策要能夠讓申請者可以落實 請問 |
| transcript.whisperx[496].start |
12820.61 |
| transcript.whisperx[496].end |
12843.252 |
| transcript.whisperx[496].text |
上次在討論的時候立法院的時候當然交通部也有代表但是因為沒有很清楚的說清楚所以法律這樣過了但是我們後來也是委員剛剛提的這個事情我們了解以後我們4月28號都已經做了核試了也就是說在公路資訊系統裡面它還有登載了一個住居所的地址 |
| transcript.whisperx[497].start |
12844.553 |
| transcript.whisperx[497].end |
12869.491 |
| transcript.whisperx[497].text |
那這個駐居所的地址來取代他們的車籍地那只要駐居所的地址跟身障者的戶籍地相同的話就可以了來解決您剛剛所提到的這樣的一個問題因為它在公路資訊系統裡面它也會登載一個駐居所的這個地址所以只要跟駐居所可以 |
| transcript.whisperx[498].start |
12870.551 |
| transcript.whisperx[498].end |
12897.646 |
| transcript.whisperx[498].text |
對於跟申請者戶籍相同就可以申請然後是二薪等以內所有的測試所以你要把這個政策去把它說明清楚那你們調整了之後跟這個監理單位調整之後要告訴人家要告訴人家要不然在第一線申請的人也不知在第一線作業也不知導致我們良好的政策沒有辦法去落實在4月28號我們函試以後我們再加強宣導同時因為 |
| transcript.whisperx[499].start |
12898.246 |
| transcript.whisperx[499].end |
12901.188 |
| transcript.whisperx[499].text |
所以我們一起地方基金機關要知道這樣的確實落實 |
| transcript.whisperx[500].start |
12928.206 |
| transcript.whisperx[500].end |
12945.511 |
| transcript.whisperx[500].text |
一定要宣導要宣導好不好那你也可以透過我們這一些深藏的協會這個是最好的啊除了機關來宣導重點的各縣市政府他的這個團體深藏的團體都有實際上需要的人 |
| transcript.whisperx[501].start |
12946.231 |
| transcript.whisperx[501].end |
12946.471 |
| transcript.whisperx[501].text |
管會副處委 |
| transcript.whisperx[502].start |
12973.611 |
| transcript.whisperx[502].end |
12983.64 |
| transcript.whisperx[502].text |
我們現在來討論一個議題因為三班互併比那有導致現在醫學也進步所以呢導致這個醫學中心有推動 |
| transcript.whisperx[503].start |
12984.98 |
| transcript.whisperx[503].end |
13005.969 |
| transcript.whisperx[503].text |
一日手術當日出院那但是以前我們的保險大概我們維持的基準點還在於舊時代就是要住院他才做起伏早期到目前為止大概都是這個方向但是也因應了現在不管法律的改變 |
| transcript.whisperx[504].start |
13007.569 |
| transcript.whisperx[504].end |
13020.242 |
| transcript.whisperx[504].text |
技術的增長各方的元素導致會產生一日手術當日出院但是這個保險人他的付出也沒有比較少但是你的規範裡頭合約的規範裡頭他是 |
| transcript.whisperx[505].start |
13024.466 |
| transcript.whisperx[505].end |
13048.984 |
| transcript.whisperx[505].text |
一個重點就是必須要住院那這不是我保險人所願意呀我不是不住院啦 而是因為你的技術提升了嘛而是可能因為人數不足 你不需要住院了但是他的醫療一樣 付出也一樣在這樣的情況之下 會讓人家不是我保險人的改變而影響到我的給付 那這怎麼辦 |
| transcript.whisperx[506].start |
13050.424 |
| transcript.whisperx[506].end |
13077.535 |
| transcript.whisperx[506].text |
我完全理解那個委員提到的其實是民眾的一個痛點特別是以往的一個中性醫療的部分那當然以往其實我們有調整過這是在白內障的一個部分白內障就是說在這個地方的話另外其實對於如果不是所謂的住院的手術會有部分的一個門診手術的一個支付其實整體而言對於民眾而言還是一個很大的一個困擾我是不是可以請保險局副局長簡短的說明一下 |
| transcript.whisperx[507].start |
13080.776 |
| transcript.whisperx[507].end |
13100.96 |
| transcript.whisperx[507].text |
那事實上現行市面上也是有保單針對手術不見得是要住院但是他如果那一種多數的基礎條件是如此啊對那針對這個部分我們當然會去盤點市面上的一些商品我們會請工會這邊再做一個因應對你這個就對了你這就盤點出來 |
| transcript.whisperx[508].start |
13104.861 |
| transcript.whisperx[508].end |
13105.201 |
| transcript.whisperx[508].text |
三個月是不是? |
| transcript.whisperx[509].start |
13130.936 |
| transcript.whisperx[509].end |
13147.028 |
| transcript.whisperx[509].text |
可不可以早一點啊 三十月會影響到很多的保護啊因為在這個部分的話是整體多年以來現在整體的一個改變我們要一項一項盤點我們好好做 你好好去盤點因為未來的保單的內容也必須有所因應 |
| transcript.whisperx[510].start |
13148.149 |
| transcript.whisperx[510].end |
13165.495 |
| transcript.whisperx[510].text |
因應目前的現況與時俱進 對不對我們這三個月 請你喊點出來不要讓保護不是我所願的 但是影響到我的權益好 那就請副主委三個月之後給中醫委員好了 謝謝委員 謝謝謝謝主席現在請蘇清泉委員質詢蘇清泉委員蘇清泉委員 |
| transcript.whisperx[511].start |
13179.261 |
| transcript.whisperx[511].end |
13198.276 |
| transcript.whisperx[511].text |
請鄭振淺委員質詢鄭振淺委員鄭振淺委員不在請洪孟凱委員質詢洪孟凱委員洪孟凱委員不在請廖先祥委員質詢 |
| transcript.whisperx[512].start |
13200.257 |
| transcript.whisperx[512].end |
13207.043 |
| transcript.whisperx[512].text |
廖宣祥委員廖宣祥委員廖宣祥委員不在 請葉元之委員時間4分鐘 謝謝接下來麻煩請財政部長好 請財政部莊部長 |
| transcript.whisperx[513].start |
13228.427 |
| transcript.whisperx[513].end |
13243.859 |
| transcript.whisperx[513].text |
因為我們現在政府跟美國因為232簽了一個MOU就是說要去美國直接投資2500億美金另外政府要提供融資用信用擔保的部分2500億美金政府一直說不是2500加2500不是5000可能會低於5000因為我 |
| transcript.whisperx[514].start |
13248.882 |
| transcript.whisperx[514].end |
13272.522 |
| transcript.whisperx[514].text |
看到最近國發會主委終於告訴大家細節了他跟廠商說如果大家想要來申請這個融資的話呢可以在五月底開始就可以來申請了部長應該也知道嘛然後現在這個2500的信用擔保的做法呢是由國發基金召集一些銀行然後共同來出資所以如果廠商要赴美投資然後就可以來申請 |
| transcript.whisperx[515].start |
13273.303 |
| transcript.whisperx[515].end |
13299.642 |
| transcript.whisperx[515].text |
那如果沒有擔保品的話政府要來做信用擔保那我有幾個問題想請問一下第一個因為它分兩個部分2500億這個是企業職業投資包括像台積電或者是ICT產業那一些產業大概不太需要信用擔保啦因為它本身就有很多擔保品嘛那所以另外一個2500就是由政府要出資的信用擔保這2500應該就是比較拿不出擔保品 |
| transcript.whisperx[516].start |
13300.622 |
| transcript.whisperx[516].end |
13313.291 |
| transcript.whisperx[516].text |
換言之風險會比台積電高的這些企業那政府必須要給他信用擔保那到時候這個2500信用擔保可能會創造出的投資會高於2500億他可能是4000億 5000億因為你們不會給他你們不會貸款給他全部100%所以他自己也要出資 |
| transcript.whisperx[517].start |
13318.514 |
| transcript.whisperx[517].end |
13338.517 |
| transcript.whisperx[517].text |
所以整體來講我們國家去美國投資絕對是超過五千億啊原本的兩千五加上信用擔保兩千五百億所滾出來的投資金額已經是超過五千億了那我現在想要問一個問題就是現在政府會不會因為為了達到美國要求我們的兩千五百億的信用擔保 |
| transcript.whisperx[518].start |
13339.338 |
| transcript.whisperx[518].end |
13358.678 |
| transcript.whisperx[518].text |
那因為要達到這個目標所以有一些公司可能體質沒那麼好他來申請然後政府的信用擔保但是你評估之後發現可能有點風險但是又為了達到跟美國的協議所以呢就會比較有放水的狀況我不知道瑞士的防避機制部長你們有沒有討論過 |
| transcript.whisperx[519].start |
13361.095 |
| transcript.whisperx[519].end |
13375.347 |
| transcript.whisperx[519].text |
那信用保證機制當然這是等於說讓銀行可以融資給去赴美投資的企業但是銀行在做融資的時候一定有它的相關的規範因為金管會也有相關的規範這個部分都會納入頭我的問題是說因為我們已經承諾美國我的融資金額要到2500億 |
| transcript.whisperx[520].start |
13384.454 |
| transcript.whisperx[520].end |
13408.975 |
| transcript.whisperx[520].text |
那假設今天申請赴美的企業都在評估之後都發現說有一定風險所以我們不能給 打不到個2500億到時候我們就違背跟美國MOU啊違背MOU的情況之下那搞不好這個國內的經濟美國就會對我們制裁啊所以我現在講的是這個所以政府會不會 喔好 既然打不到2500億那有的我就睜一隻眼閉一隻眼就放行了嘛那最後如果呆帳的話是誰來承擔 |
| transcript.whisperx[521].start |
13412.53 |
| transcript.whisperx[521].end |
13429.115 |
| transcript.whisperx[521].text |
有2500億是企業自主去投資我現在講的是信用擔保信用擔保只是說要成立一樣的一個可以容量去做信用擔保的一個情況並不表示說我一定要把它融資2500億出去不是這個意思 |
| transcript.whisperx[522].start |
13429.815 |
| transcript.whisperx[522].end |
13456.328 |
| transcript.whisperx[522].text |
不是 今天講的因為還是有一個額度在那邊嘛也必須要達到一個上限目標嘛那如果達不到會不會放水嘛我現在你現在就說不會嘛要嚴格那到時候如果有呆帳的話是公股航空來承擔嗎如果發生所謂的一個預期繳納的情形那當然這個信用保證機制必須要去做風險的分攤但是在融資的時候一定要去做風險控管我想那個KYC是會做的不會因為這樣放水 |
| transcript.whisperx[523].start |
13457.228 |
| transcript.whisperx[523].end |
13477.984 |
| transcript.whisperx[523].text |
我覺得應該要封領單款我現在擔心的是說你為了要達到政府設定的上限所以就放水嘛那你如果承諾說絕對不會那很好那很好那請你這個部分一定要堅持不要說為了達到2500億然後就放水我覺得沒有必要說為了配合這個東西反而犧牲納稅人的權益第二個我很快問一下因為 |
| transcript.whisperx[524].start |
13480.626 |
| transcript.whisperx[524].end |
13508.755 |
| transcript.whisperx[524].text |
財政部報告裡面講說會幫一些公股行庫的人員爭取加薪這個我非常支持我先講我非常支持但你可不可以部長你也幫財政部所屬的一些公務人員也爭取一下加薪嘛因為最早我們都知道說很多公股行庫他是跟公務人員同一個體系嘛那後來分出去之後你去公股行庫的薪水越來越高那原本留在公家機關的那些公務人員薪水差距就越來越大導致於很多高官 |
| transcript.whisperx[525].start |
13509.575 |
| transcript.whisperx[525].end |
13532.928 |
| transcript.whisperx[525].text |
從財政部退休或從哪裡退休都跑到公務航庫去做高官啊做讀董啊做董事長啊那領得非常多那我覺得在財政部裡面的員工應該會有一點覺得為什麼部長都不幫我們爭取呢所以如果部長你有搭線金融航庫員工一案加薪你也要幫在財政部所屬的體系裡面的公務員員加薪啊你要去跟人總講一下願意嗎 |
| transcript.whisperx[526].start |
13534.298 |
| transcript.whisperx[526].end |
13561.924 |
| transcript.whisperx[526].text |
我想但是終於委員有提到我們公務員的薪水那我想這公務員的薪水是整體性嗎整體是這樣子當財政部去幫員工爭取加薪經濟部去爭取加薪教育部爭取加薪那人總就覺得有這個需求嘛你要講出個道理出來我覺得人總他就會通盤考量嘛所以這個部分既然你有想到公股、航庫、員工我支持因為要留財嘛而且金融也辛苦但是你自己所屬的 |
| transcript.whisperx[527].start |
13562.404 |
| transcript.whisperx[527].end |
13570.586 |
| transcript.whisperx[527].text |
記者跟委員你就想不到我覺得大家都對你感到有點失望所以請你好不好跟任總立刻去講謝謝委員謝謝好謝謝我們結束葉元之委員的質詢好我們今天登記的發言委員都已經詢答完畢現在處理臨時提案共議案請醫事人員宣讀 |
| transcript.whisperx[528].start |
13594.127 |
| transcript.whisperx[528].end |
13617.221 |
| transcript.whisperx[528].text |
按由本院委員賴世寶等人有鑒於立法院92年5月30日決議為確保政府及國營事業轉投資事業國營事業民營化後公股股權權益並兼顧該事業能永續經營避免產生利益輸送情勢及規定股東會改選董事監察人時公股股權代表不得支持非公股代表 |
| transcript.whisperx[529].start |
13617.881 |
| transcript.whisperx[529].end |
13634.154 |
| transcript.whisperx[529].text |
按此精神原提案要求財政部對所屬公股事業董事長與副董事長選舉時不得支持非公股代表是否有當進行公決提案人賴世保 林德福 李彥秀 林思銘 劉書斌 楊瓊瑛 宣讀完畢好 我們現在在場人數來 我先讓賴世保委員 |
| transcript.whisperx[530].start |
13644.858 |
| transcript.whisperx[530].end |
13668.52 |
| transcript.whisperx[530].text |
我這個說明就是朝上的宣導的意見來因為根據民國72年都已經通過了那是院會通過的院會通過的就是關股在股東他不可以去支持非民股的也就是說關股你要支持主體性 |
| transcript.whisperx[531].start |
13669.401 |
| transcript.whisperx[531].end |
13687.164 |
| transcript.whisperx[531].text |
負責就是利益輸送了嘛你為什麼支持這些公司那今天很清楚的因為有媒體不斷的講很大聲就是我們現在八席的關股董事七席的監察人要去支持互動市場 |
| transcript.whisperx[532].start |
13688.973 |
| transcript.whisperx[532].end |
13705.702 |
| transcript.whisperx[532].text |
我覺得關股不要有角色 因為你說什麼公司治理 這個隨便人講啦因為這幾個 這八個人還是聽你財政部長的啊怎麼不是呢 當然聽你財政部長的啊那你現在你就敗名了 就叫土利內施啊就變這個樣子啊 給他互動視窗 |
| transcript.whisperx[533].start |
13707.162 |
| transcript.whisperx[533].end |
13727.66 |
| transcript.whisperx[533].text |
副董事長先不挑戰 要不要升副董事長 有就有 好 那就有那讓他們自己鳴鼓去選嘛他們要選誰就選誰啊 張森理事 我都沒有意見但是關鼓不要介入嘛你的關鼓介入 那就很清楚的政府的立場就是在偏耐私嘛 |
| transcript.whisperx[534].start |
13729.684 |
| transcript.whisperx[534].end |
13750.538 |
| transcript.whisperx[534].text |
這個東西就很難看嘛 這個吃相難看嘛今天看起來這個立委的力氣不夠啦可能沒有辦法處理我都願意讓步到說原意 改成原意我原意也不來 那就認那麼好我只是幫助這個原始的意見我要的是一個社會觀感跟公平性 |
| transcript.whisperx[535].start |
13751.778 |
| transcript.whisperx[535].end |
13775.535 |
| transcript.whisperx[535].text |
沒有關係今天的案子不處理我都願意去處理我都願意不是只有這個所有的部會他們的關股不得去他關股卻算了董事不得去支持民工的董事這個我要清清楚楚要包含所有的規定事業不是只有這幾個不是只有國會要進行而已這是我的發言謝謝 |
| transcript.whisperx[536].start |
13780.103 |
| transcript.whisperx[536].end |
13808.168 |
| transcript.whisperx[536].text |
好因本案在場人數不達到法定人數我們就不予處理臨時停案另外報告說明及詢答都已經完畢委員質詢未答覆或請補充資訊請相關機關於一週內以書面答覆委員另要求期限者從其所定委員邱志凱委員林楚英委員洪孟凱委員所提的書面都已經列入記錄刊登公報 |
| transcript.whisperx[537].start |
13809.668 |
| transcript.whisperx[537].end |
13834.085 |
| transcript.whisperx[537].text |
並請相關機構以書面答覆中華民國一百一十五年度中央政府總預算案行政院稅務預算有關中央銀行股息紅利腳庫的部分財政部及所屬單位稅務預算的部分中華民國一百一十五年度中央政府總預算案有關負稅署台北國稅局高雄國稅局北區國稅局及其所屬中區國稅局 |
| transcript.whisperx[538].start |
13835.106 |
| transcript.whisperx[538].end |
13855.019 |
| transcript.whisperx[538].text |
及其所属南区国税局及其所属税出预算部分均另择其继续审查本次会议委员若有相关的预算提案请于5月21号下午5时前送财政委员会会议室人员收件本次会议程已进行完毕 |
| transcript.whisperx[539].start |
13865.026 |
| transcript.whisperx[539].end |
13865.149 |
| transcript.whisperx[539].text |
辛苦了 |