iVOD / 17662
本逐字稿內容由 AI 自動生成，可能包含錯誤、遺漏或誤譯之處。請使用者務必與原始影片音訊內容交叉比對，以確保資訊正確性。另可參考立法院日後釋出的正式公報以取得最終權威版本。
完整會議 @
| Start Time | End Time | Text |
|---|---|---|
| 00:00:30,000 | 00:00:32,000 | 我只想說一句話 |
| 00:00:32,000 | 00:00:34,000 | 我只想說一句話 |
| 00:00:34,000 | 00:00:36,000 | 我只想說一句話 |
| 00:00:36,000 | 00:00:38,000 | 我只想說一句話 |
| 00:00:38,000 | 00:00:40,000 | 我只想說一句話 |
| 00:00:40,000 | 00:00:42,000 | 我只想說一句話 |
| 00:00:42,000 | 00:00:44,000 | 我只想說一句話 |
| 00:00:44,000 | 00:00:46,000 | 我只想說一句話 |
| 00:00:46,000 | 00:00:48,000 | 我只想說一句話 |
| 00:00:48,000 | 00:00:50,000 | 我只想說一句話 |
| 00:00:50,000 | 00:00:52,000 | 我只想說一句話 |
| 00:00:52,000 | 00:00:54,000 | 我只想說一句話 |
| 00:00:54,000 | 00:00:56,000 | 我只想說一句話 |
| 00:00:56,000 | 00:00:58,000 | 我只想說一句話 |
| 00:00:58,000 | 00:01:00,000 | 我只想說一句話 |
| 00:01:00,000 | 00:01:02,000 | 我只想說一句話 |
| 00:01:02,000 | 00:01:04,000 | 我只想說一句話 |
| 00:01:04,000 | 00:01:06,000 | 我只想說一句話 |
| 00:01:06,000 | 00:01:08,000 | 我只想說一句話 |
| 00:01:08,000 | 00:01:10,000 | 我只想說一句話 |
| 00:01:10,000 | 00:01:12,000 | 我只想說一句話 |
| 00:01:12,000 | 00:01:14,000 | 我只想說一句話 |
| 00:01:14,000 | 00:01:16,000 | 我只想說一句話 |
| 00:01:16,000 | 00:01:18,000 | 我只想說一句話 |
| 00:01:18,000 | 00:01:20,000 | 我只想說一句話 |
| 00:01:20,000 | 00:01:22,000 | 我只想說一句話 |
| 00:01:22,000 | 00:01:24,000 | 我只想說一句話 |
| 00:01:24,000 | 00:01:26,000 | 我只想說一句話 |
| 00:01:26,000 | 00:01:28,000 | 我只想說一句話 |
| 00:01:28,000 | 00:01:30,000 | 我只想說一句話 |
| 00:01:30,000 | 00:01:32,000 | 我只想說一句話 |
| 00:01:32,000 | 00:01:34,000 | 我只想說一句話 |
| 00:01:34,000 | 00:01:36,000 | 我只想說一句話 |
| 00:01:36,000 | 00:01:38,000 | 我只想說一句話 |
| 00:01:38,000 | 00:01:40,000 | 我只想說一句話 |
| 00:01:40,000 | 00:01:42,000 | 我只想說一句話 |
| 00:01:42,000 | 00:01:44,000 | 我只想說一句話 |
| 00:01:44,000 | 00:01:46,000 | 我只想說一句話 |
| 00:01:46,000 | 00:01:48,000 | 我只想說一句話 |
| 00:01:48,000 | 00:01:50,000 | 我只想說一句話 |
| 00:01:50,000 | 00:01:52,000 | 我只想說一句話 |
| 00:01:52,000 | 00:01:54,000 | 我只想說一句話 |
| 00:01:54,000 | 00:01:56,000 | 我只想說一句話 |
| 00:01:56,000 | 00:01:58,000 | 我只想說一句話 |
| 00:01:58,000 | 00:02:00,000 | 我只想說一句話 |
| 00:02:00,000 | 00:02:02,000 | 我只想說一句話 |
| 00:02:02,000 | 00:02:04,000 | 我只想說一句話 |
| 00:02:04,000 | 00:02:06,000 | 我只想說一句話 |
| 00:02:06,000 | 00:02:08,000 | 我只想說一句話 |
| 00:02:08,000 | 00:02:10,000 | 我只想說一句話 |
| 00:02:10,000 | 00:02:12,000 | 我只想說一句話 |
| 00:02:12,000 | 00:02:14,000 | 我只想說一句話 |
| 00:02:14,000 | 00:02:16,000 | 我只想說一句話 |
| 00:02:16,000 | 00:02:18,000 | 我只想說一句話 |
| 00:02:18,000 | 00:02:20,000 | 我只想說一句話 |
| 00:02:20,000 | 00:02:22,000 | 我只想說一句話 |
| 00:02:22,000 | 00:02:24,000 | 我只想說一句話 |
| 00:02:24,000 | 00:02:26,000 | 我只想說一句話 |
| 00:02:26,000 | 00:02:28,000 | 我只想說一句話 |
| 00:02:28,000 | 00:02:30,000 | 我只想說一句話 |
| 00:02:30,000 | 00:02:32,000 | 我只想說一句話 |
| 00:02:32,000 | 00:02:34,000 | 我只想說一句話 |
| 00:02:34,000 | 00:02:36,000 | 我只想說一句話 |
| 00:02:36,000 | 00:02:38,000 | 我只想說一句話 |
| 00:02:38,000 | 00:02:40,000 | 我只想說一句話 |
| 00:02:40,000 | 00:02:42,000 | 我只想說一句話 |
| 00:02:42,000 | 00:02:44,000 | 我只想說一句話 |
| 00:02:44,000 | 00:02:46,000 | 我只想說一句話 |
| 00:02:46,000 | 00:02:48,000 | 我只想說一句話 |
| 00:02:48,000 | 00:02:50,000 | 我只想說一句話 |
| 00:02:50,000 | 00:02:52,000 | 我只想說一句話 |
| 00:02:52,000 | 00:02:54,000 | 我只想說一句話 |
| 00:02:54,000 | 00:02:56,000 | 我只想說一句話 |
| 00:02:56,000 | 00:02:58,000 | 我只想說一句話 |
| 00:02:58,000 | 00:03:00,000 | 我只想說一句話 |
| 00:03:00,000 | 00:03:02,000 | 我只想說一句話 |
| 00:03:02,000 | 00:03:04,000 | 我只想說一句話 |
| 00:03:04,000 | 00:03:06,000 | 我只想說一句話 |
| 00:03:06,000 | 00:03:08,000 | 我只想說一句話 |
| 00:03:08,000 | 00:03:10,000 | 我只想說一句話 |
| 00:03:10,000 | 00:03:12,000 | 我只想說一句話 |
| 00:03:12,000 | 00:03:14,000 | 我只想說一句話 |
| 00:03:14,000 | 00:03:16,000 | 我只想說一句話 |
| 00:03:16,000 | 00:03:18,000 | 我只想說一句話 |
| 00:03:18,000 | 00:03:20,000 | 我只想說一句話 |
| 00:03:20,000 | 00:03:22,000 | 我只想說一句話 |
| 00:03:22,000 | 00:03:24,000 | 我只想說一句話 |
| 00:03:24,000 | 00:03:26,000 | 我只想說一句話 |
| 00:03:26,000 | 00:03:28,000 | 我只想說一句話 |
| 00:03:28,000 | 00:03:30,000 | 我只想說一句話 |
| 00:03:30,000 | 00:03:32,000 | 我只想說一句話 |
| 00:03:32,000 | 00:03:34,000 | 我只想說一句話 |
| 00:03:34,000 | 00:03:36,000 | 我只想說一句話 |
| 00:03:36,000 | 00:03:38,000 | 我只想說一句話 |
| 00:03:38,000 | 00:03:40,000 | 我只想說一句話 |
| 00:03:40,000 | 00:03:42,000 | 我只想說一句話 |
| 00:03:42,000 | 00:03:44,000 | 我只想說一句話 |
| 00:03:44,000 | 00:03:46,000 | 我只想說一句話 |
| 00:03:46,000 | 00:03:48,000 | 我只想說一句話 |
| 00:03:48,000 | 00:03:50,000 | 我只想說一句話 |
| 00:03:50,000 | 00:03:52,000 | 我只想說一句話 |
| 00:03:52,000 | 00:03:54,000 | 我只想說一句話 |
| 00:03:54,000 | 00:03:56,000 | 我只想說一句話 |
| 00:03:56,000 | 00:03:58,000 | 我只想說一句話 |
| 00:03:58,000 | 00:04:00,000 | 我只想說一句話 |
| 00:04:00,000 | 00:04:02,000 | 我只想說一句話 |
| 00:04:02,000 | 00:04:04,000 | 我只想說一句話 |
| 00:04:04,000 | 00:04:06,000 | 我只想說一句話 |
| 00:04:06,000 | 00:04:08,000 | 我只想說一句話 |
| 00:04:08,000 | 00:04:10,000 | 我只想說一句話 |
| 00:04:10,000 | 00:04:12,000 | 我只想說一句話 |
| 00:04:12,000 | 00:04:14,000 | 我只想說一句話 |
| 00:04:14,000 | 00:04:16,000 | 我只想說一句話 |
| 00:04:16,000 | 00:04:18,000 | 我只想說一句話 |
| 00:04:18,000 | 00:04:20,000 | 我只想說一句話 |
| 00:04:20,000 | 00:04:22,000 | 我只想說一句話 |
| 00:04:22,000 | 00:04:24,000 | 我只想說一句話 |
| 00:04:24,000 | 00:04:26,000 | 我只想說一句話 |
| 00:04:26,000 | 00:04:28,000 | 我只想說一句話 |
| 00:04:28,000 | 00:04:30,000 | 我只想說一句話 |
| 00:04:30,000 | 00:04:32,000 | 我只想說一句話 |
| 00:04:32,000 | 00:04:34,000 | 我只想說一句話 |
| 00:04:34,000 | 00:04:36,000 | 我只想說一句話 |
| 00:04:36,000 | 00:04:38,000 | 我只想說一句話 |
| 00:04:38,000 | 00:04:40,000 | 我只想說一句話 |
| 00:04:40,000 | 00:04:42,000 | 我只想說一句話 |
| 00:04:42,000 | 00:04:44,000 | 我只想說一句話 |
| 00:04:44,000 | 00:04:46,000 | 我只想說一句話 |
| 00:04:46,000 | 00:04:48,000 | 我只想說一句話 |
| 00:04:48,000 | 00:04:50,000 | 我只想說一句話 |
| 00:04:50,000 | 00:04:52,000 | 我只想說一句話 |
| 00:04:52,000 | 00:04:54,000 | 我只想說一句話 |
| 00:04:54,000 | 00:04:56,000 | 我只想說一句話 |
| 00:04:56,000 | 00:04:58,000 | 我只想說一句話 |
| 00:04:58,000 | 00:05:00,000 | 我只想說一句話 |
| 00:05:00,000 | 00:05:02,000 | 我只想說一句話 |
| 00:05:02,000 | 00:05:04,000 | 我只想說一句話 |
| 00:05:04,000 | 00:05:06,000 | 我只想說一句話 |
| 00:05:06,000 | 00:05:08,000 | 我只想說一句話 |
| 00:05:08,000 | 00:05:10,000 | 我只想說一句話 |
| 00:05:10,000 | 00:05:12,000 | 我只想說一句話 |
| 00:05:12,000 | 00:05:14,000 | 我只想說一句話 |
| 00:05:14,000 | 00:05:16,000 | 我只想說一句話 |
| 00:05:16,000 | 00:05:18,000 | 我只想說一句話 |
| 00:05:18,000 | 00:05:20,000 | 我只想說一句話 |
| 00:05:20,000 | 00:05:22,000 | 我只想說一句話 |
| 00:05:22,000 | 00:05:24,000 | 我只想說一句話 |
| 00:05:24,000 | 00:05:26,000 | 我只想說一句話 |
| 00:05:26,000 | 00:05:28,000 | 我只想說一句話 |
| 00:05:28,000 | 00:05:30,000 | 我只想說一句話 |
| 00:05:30,000 | 00:05:32,000 | 我只想說一句話 |
| 00:05:32,000 | 00:05:34,000 | 我只想說一句話 |
| 00:05:34,000 | 00:05:36,000 | 我只想說一句話 |
| 00:05:36,000 | 00:05:38,000 | 我只想說一句話 |
| 00:05:38,000 | 00:05:40,000 | 我只想說一句話 |
| 00:05:40,000 | 00:05:42,000 | 我只想說一句話 |
| 00:05:42,000 | 00:05:44,000 | 我只想說一句話 |
| 00:05:44,000 | 00:05:46,000 | 我只想說一句話 |
| 00:05:46,000 | 00:05:48,000 | 我只想說一句話 |
| 00:05:48,000 | 00:05:50,000 | 我只想說一句話 |
| 00:05:50,000 | 00:05:52,000 | 我只想說一句話 |
| 00:05:52,000 | 00:05:54,000 | 我只想說一句話 |
| 00:05:54,000 | 00:05:56,000 | 我只想說一句話 |
| 00:05:56,000 | 00:05:58,000 | 我只想說一句話 |
| 00:05:58,000 | 00:06:00,000 | 我只想說一句話 |
| 00:06:00,000 | 00:06:02,000 | 我只想說一句話 |
| 00:06:02,000 | 00:06:04,000 | 我只想說一句話 |
| 00:06:04,000 | 00:06:06,000 | 我只想說一句話 |
| 00:06:06,000 | 00:06:08,000 | 我只想說一句話 |
| 00:06:08,000 | 00:06:10,000 | 我只想說一句話 |
| 00:06:10,000 | 00:06:12,000 | 我只想說一句話 |
| 00:06:12,000 | 00:06:14,000 | 我只想說一句話 |
| 00:06:14,000 | 00:06:16,000 | 我只想說一句話 |
| 00:06:16,000 | 00:06:18,000 | 我只想說一句話 |
| 00:06:18,000 | 00:06:20,000 | 我只想說一句話 |
| 00:06:20,000 | 00:06:22,000 | 我只想說一句話 |
| 00:06:22,000 | 00:06:24,000 | 我只想說一句話 |
| 00:06:24,000 | 00:06:26,000 | 我只想說一句話 |
| 00:06:26,000 | 00:06:28,000 | 我只想說一句話 |
| 00:06:28,000 | 00:06:30,000 | 我只想說一句話 |
| 00:06:30,000 | 00:06:32,000 | 我只想說一句話 |
| 00:06:32,000 | 00:06:34,000 | 我只想說一句話 |
| 00:06:34,000 | 00:06:36,000 | 我只想說一句話 |
| 00:06:36,000 | 00:06:38,000 | 我只想說一句話 |
| 00:06:38,000 | 00:06:40,000 | 我只想說一句話 |
| 00:06:40,000 | 00:06:42,000 | 我只想說一句話 |
| 00:06:42,000 | 00:06:44,000 | 我只想說一句話 |
| 00:06:44,000 | 00:06:46,000 | 我只想說一句話 |
| 00:06:46,000 | 00:06:48,000 | 我只想說一句話 |
| 00:06:48,000 | 00:06:50,000 | 我只想說一句話 |
| 00:06:50,000 | 00:06:52,000 | 我只想說一句話 |
| 00:06:52,000 | 00:06:54,000 | 我只想說一句話 |
| 00:06:54,000 | 00:06:56,000 | 我只想說一句話 |
| 00:06:56,000 | 00:06:58,000 | 我只想說一句話 |
| 00:06:58,000 | 00:07:00,000 | 我只想說一句話 |
| 00:07:00,000 | 00:07:02,000 | 我只想說一句話 |
| 00:07:02,000 | 00:07:04,000 | 我只想說一句話 |
| 00:07:04,000 | 00:07:06,000 | 我只想說一句話 |
| 00:07:06,000 | 00:07:08,000 | 我只想說一句話 |
| 00:07:08,000 | 00:07:10,000 | 我只想說一句話 |
| 00:07:10,000 | 00:07:12,000 | 我只想說一句話 |
| 00:07:12,000 | 00:07:14,000 | 我只想說一句話 |
| 00:07:14,000 | 00:07:16,000 | 我只想說一句話 |
| 00:07:16,000 | 00:07:18,000 | 我只想說一句話 |
| 00:07:18,000 | 00:07:20,000 | 我只想說一句話 |
| 00:07:20,000 | 00:07:22,000 | 我只想說一句話 |
| 00:07:22,000 | 00:07:24,000 | 我只想說一句話 |
| 00:07:24,000 | 00:07:26,000 | 我只想說一句話 |
| 00:07:26,000 | 00:07:28,000 | 我只想說一句話 |
| 00:07:28,000 | 00:07:30,000 | 我只想說一句話 |
| 00:07:30,000 | 00:07:32,000 | 我只想說一句話 |
| 00:07:32,000 | 00:07:34,000 | 我只想說一句話 |
| 00:07:34,000 | 00:07:36,000 | 我只想說一句話 |
| 00:07:36,000 | 00:07:38,000 | 我只想說一句話 |
| 00:07:38,000 | 00:07:40,000 | 我只想說一句話 |
| 00:07:40,000 | 00:07:42,000 | 我只想說一句話 |
| 00:07:42,000 | 00:07:44,000 | 我只想說一句話 |
| 00:07:44,000 | 00:07:46,000 | 我只想說一句話 |
| 00:07:46,000 | 00:07:48,000 | 我只想說一句話 |
| 00:07:48,000 | 00:07:50,000 | 我只想說一句話 |
| 00:07:50,000 | 00:07:52,000 | 我只想說一句話 |
| 00:07:52,000 | 00:07:54,000 | 我只想說一句話 |
| 00:07:54,000 | 00:07:56,000 | 我只想說一句話 |
| 00:07:56,000 | 00:07:58,000 | 我只想說一句話 |
| 00:07:58,000 | 00:08:00,000 | 我只想說一句話 |
| 00:08:00,000 | 00:08:02,000 | 我只想說一句話 |
| 00:08:02,000 | 00:08:04,000 | 我只想說一句話 |
| 00:08:04,000 | 00:08:06,000 | 我只想說一句話 |
| 00:08:06,000 | 00:08:08,000 | 我只想說一句話 |
| 00:08:08,000 | 00:08:10,000 | 我只想說一句話 |
| 00:08:10,000 | 00:08:12,000 | 我只想說一句話 |
| 00:08:12,000 | 00:08:14,000 | 我只想說一句話 |
| 00:08:14,000 | 00:08:16,000 | 我只想說一句話 |
| 00:08:16,000 | 00:08:18,000 | 我只想說一句話 |
| 00:08:18,000 | 00:08:20,000 | 我只想說一句話 |
| 00:08:20,000 | 00:08:22,000 | 我只想說一句話 |
| 00:08:22,000 | 00:08:24,000 | 我只想說一句話 |
| 00:08:24,000 | 00:08:26,000 | 我只想說一句話 |
| 00:08:26,000 | 00:08:28,000 | 我只想說一句話 |
| 00:08:28,000 | 00:08:30,000 | 我只想說一句話 |
| 00:08:30,000 | 00:08:32,000 | 我只想說一句話 |
| 00:08:32,000 | 00:08:34,000 | 我只想說一句話 |
| 00:08:34,000 | 00:08:36,000 | 我只想說一句話 |
| 00:08:36,000 | 00:08:38,000 | 我只想說一句話 |
| 00:08:38,000 | 00:08:40,000 | 我只想說一句話 |
| 00:08:40,000 | 00:08:42,000 | 我只想說一句話 |
| 00:08:42,000 | 00:08:44,000 | 我只想說一句話 |
| 00:08:44,000 | 00:08:46,000 | 我只想說一句話 |
| 00:08:46,000 | 00:08:48,000 | 我只想說一句話 |
| 00:08:48,000 | 00:08:50,000 | 我只想說一句話 |
| 00:08:50,000 | 00:08:52,000 | 我只想說一句話 |
| 00:08:52,000 | 00:08:54,000 | 我只想說一句話 |
| 00:08:54,000 | 00:08:56,000 | 我只想說一句話 |
| 00:08:56,000 | 00:08:58,000 | 我只想說一句話 |
| 00:08:58,000 | 00:09:00,000 | 我只想說一句話 |
| 00:09:00,000 | 00:09:02,000 | 我只想說一句話 |
| 00:09:02,000 | 00:09:04,000 | 我只想說一句話 |
| 00:09:04,000 | 00:09:06,000 | 我只想說一句話 |
| 00:09:06,000 | 00:09:08,000 | 我只想說一句話 |
| 00:09:08,000 | 00:09:10,000 | 我只想說一句話 |
| 00:09:10,000 | 00:09:12,000 | 我只想說一句話 |
| 00:09:12,000 | 00:09:14,000 | 我只想說一句話 |
| 00:09:14,000 | 00:09:16,000 | 我只想說一句話 |
| 00:09:16,000 | 00:09:18,000 | 我只想說一句話 |
| 00:09:18,000 | 00:09:20,000 | 我只想說一句話 |
| 00:09:20,000 | 00:09:22,000 | 我只想說一句話 |
| 00:09:22,000 | 00:09:24,000 | 我只想說一句話 |
| 00:09:24,000 | 00:09:26,000 | 我只想說一句話 |
| 00:09:26,000 | 00:09:28,000 | 我只想說一句話 |
| 00:09:28,000 | 00:09:30,000 | 我只想說一句話 |
| 00:09:30,000 | 00:09:32,000 | 我只想說一句話 |
| 00:09:32,000 | 00:09:34,000 | 我只想說一句話 |
| 00:09:34,000 | 00:09:36,000 | 我只想說一句話 |
| 00:09:36,000 | 00:09:38,000 | 我只想說一句話 |
| 00:09:38,000 | 00:09:40,000 | 我只想說一句話 |
| 00:09:40,000 | 00:09:42,000 | 我只想說一句話 |
| 00:09:42,000 | 00:09:44,000 | 我只想說一句話 |
| 00:09:44,000 | 00:09:46,000 | 我只想說一句話 |
| 00:09:46,000 | 00:09:48,000 | 我只想說一句話 |
| 00:09:48,000 | 00:09:50,000 | 我只想說一句話 |
| 00:09:50,000 | 00:09:52,000 | 我只想說一句話 |
| 00:09:52,000 | 00:09:54,000 | 我只想說一句話 |
| 00:09:54,000 | 00:09:56,000 | 我只想說一句話 |
| 00:09:56,000 | 00:09:58,000 | 我只想說一句話 |
| 00:09:58,000 | 00:10:00,000 | 我只想說一句話 |
| 00:10:00,000 | 00:10:02,000 | 我只想說一句話 |
| 00:10:02,000 | 00:10:04,000 | 我只想說一句話 |
| 00:10:04,000 | 00:10:06,000 | 我只想說一句話 |
| 00:10:06,000 | 00:10:08,000 | 我只想說一句話 |
| 00:10:08,000 | 00:10:10,000 | 我只想說一句話 |
| 00:10:10,000 | 00:10:12,000 | 我只想說一句話 |
| 00:10:12,000 | 00:10:14,000 | 我只想說一句話 |
| 00:10:14,000 | 00:10:16,000 | 我只想說一句話 |
| 00:10:16,000 | 00:10:18,000 | 我只想說一句話 |
| 00:10:18,000 | 00:10:20,000 | 我只想說一句話 |
| 00:10:20,000 | 00:10:22,000 | 我只想說一句話 |
| 00:10:22,000 | 00:10:24,000 | 我只想說一句話 |
| 00:10:24,000 | 00:10:26,000 | 我只想說一句話 |
| 00:10:26,000 | 00:10:28,000 | 我只想說一句話 |
| 00:10:28,000 | 00:10:30,000 | 我只想說一句話 |
| 00:10:30,000 | 00:10:32,000 | 我只想說一句話 |
| 00:10:32,000 | 00:10:34,000 | 我只想說一句話 |
| 00:10:34,000 | 00:10:36,000 | 我只想說一句話 |
| 00:10:36,000 | 00:10:38,000 | 我只想說一句話 |
| 00:10:38,000 | 00:10:40,000 | 我只想說一句話 |
| 00:10:40,000 | 00:10:42,000 | 我只想說一句話 |
| 00:10:42,000 | 00:10:44,000 | 我只想說一句話 |
| 00:10:44,000 | 00:10:46,000 | 我只想說一句話 |
| 00:10:46,000 | 00:10:48,000 | 我只想說一句話 |
| 00:10:48,000 | 00:10:50,000 | 我只想說一句話 |
| 00:10:50,000 | 00:10:52,000 | 我只想說一句話 |
| 00:10:52,000 | 00:10:54,000 | 我只想說一句話 |
| 00:10:54,000 | 00:10:56,000 | 我只想說一句話 |
| 00:10:56,000 | 00:10:58,000 | 我只想說一句話 |
| 00:10:58,000 | 00:11:00,000 | 我只想說一句話 |
| 00:11:00,000 | 00:11:02,000 | 我只想說一句話 |
| 00:11:02,000 | 00:11:04,000 | 我只想說一句話 |
| 00:11:04,000 | 00:11:06,000 | 我只想說一句話 |
| 00:11:06,000 | 00:11:08,000 | 我只想說一句話 |
| 00:11:08,000 | 00:11:10,000 | 我只想說一句話 |
| 00:11:10,000 | 00:11:12,000 | 我只想說一句話 |
| 00:11:12,000 | 00:11:14,000 | 我只想說一句話 |
| 00:11:14,000 | 00:11:16,000 | 我只想說一句話 |
| 00:11:16,000 | 00:11:18,000 | 我只想說一句話 |
| 00:11:18,000 | 00:11:20,000 | 我只想說一句話 |
| 00:11:20,000 | 00:11:22,000 | 我只想說一句話 |
| 00:11:22,000 | 00:11:24,000 | 我只想說一句話 |
| 00:11:24,000 | 00:11:26,000 | 我只想說一句話 |
| 00:11:26,000 | 00:11:28,000 | 我只想說一句話 |
| 00:11:28,000 | 00:11:30,000 | 我只想說一句話 |
| 00:11:30,000 | 00:11:32,000 | 我只想說一句話 |
| 00:11:32,000 | 00:11:34,000 | 我只想說一句話 |
| 00:11:34,000 | 00:11:36,000 | 我只想說一句話 |
| 00:11:36,000 | 00:11:38,000 | 我只想說一句話 |
| 00:11:38,000 | 00:11:40,000 | 我只想說一句話 |
| 00:11:40,000 | 00:11:42,000 | 我只想說一句話 |
| 00:11:42,000 | 00:11:44,000 | 我只想說一句話 |
| 00:11:44,000 | 00:11:46,000 | 我只想說一句話 |
| 00:11:46,000 | 00:11:48,000 | 我只想說一句話 |
| 00:11:48,000 | 00:11:50,000 | 我只想說一句話 |
| 00:11:50,000 | 00:11:52,000 | 我只想說一句話 |
| 00:11:52,000 | 00:11:54,000 | 我只想說一句話 |
| 00:11:54,000 | 00:11:56,000 | 我只想說一句話 |
| 00:11:56,000 | 00:11:58,000 | 我只想說一句話 |
| 00:11:58,000 | 00:12:00,000 | 我只想說一句話 |
| 00:12:00,000 | 00:12:02,000 | 我只想說一句話 |
| 00:12:02,000 | 00:12:04,000 | 我只想說一句話 |
| 00:12:04,000 | 00:12:06,000 | 我只想說一句話 |
| 00:12:06,000 | 00:12:08,000 | 我只想說一句話 |
| 00:12:08,000 | 00:12:10,000 | 我只想說一句話 |
| 00:12:10,000 | 00:12:12,000 | 我只想說一句話 |
| 00:12:12,000 | 00:12:14,000 | 我只想說一句話 |
| 00:12:14,000 | 00:12:16,000 | 我只想說一句話 |
| 00:12:16,000 | 00:12:18,000 | 我只想說一句話 |
| 00:12:18,000 | 00:12:20,000 | 我只想說一句話 |
| 00:12:20,000 | 00:12:22,000 | 我只想說一句話 |
| 00:12:22,000 | 00:12:24,000 | 我只想說一句話 |
| 00:12:24,000 | 00:12:26,000 | 我只想說一句話 |
| 00:12:26,000 | 00:12:28,000 | 我只想說一句話 |
| 00:12:28,000 | 00:12:30,000 | 我只想說一句話 |
| 00:12:30,000 | 00:12:32,000 | 我只想說一句話 |
| 00:12:32,000 | 00:12:34,000 | 我只想說一句話 |
| 00:12:34,000 | 00:12:36,000 | 我只想說一句話 |
| 00:12:36,000 | 00:12:38,000 | 我只想說一句話 |
| 00:12:38,000 | 00:12:40,000 | 我只想說一句話 |
| 00:12:40,000 | 00:12:42,000 | 我只想說一句話 |
| 00:12:42,000 | 00:12:44,000 | 我只想說一句話 |
| 00:12:44,000 | 00:12:46,000 | 我只想說一句話 |
| 00:12:46,000 | 00:12:48,000 | 我只想說一句話 |
| 00:12:48,000 | 00:12:50,000 | 我只想說一句話 |
| 00:12:50,000 | 00:12:52,000 | 我只想說一句話 |
| 00:12:52,000 | 00:12:54,000 | 我只想說一句話 |
| 00:12:54,000 | 00:12:56,000 | 我只想說一句話 |
| 00:12:56,000 | 00:12:58,000 | 我只想說一句話 |
| 00:12:58,000 | 00:13:00,000 | 我只想說一句話 |
| 00:13:00,000 | 00:13:02,000 | 我只想說一句話 |
| 00:13:02,000 | 00:13:04,000 | 我只想說一句話 |
| 00:13:04,000 | 00:13:06,000 | 我只想說一句話 |
| 00:13:06,000 | 00:13:08,000 | 我只想說一句話 |
| 00:13:08,000 | 00:13:10,000 | 我只想說一句話 |
| 00:13:10,000 | 00:13:12,000 | 我只想說一句話 |
| 00:13:12,000 | 00:13:14,000 | 我只想說一句話 |
| 00:13:14,000 | 00:13:16,000 | 我只想說一句話 |
| 00:13:16,000 | 00:13:18,000 | 我只想說一句話 |
| 00:13:18,000 | 00:13:20,000 | 我只想說一句話 |
| 00:13:20,000 | 00:13:22,000 | 我只想說一句話 |
| 00:13:22,000 | 00:13:24,000 | 我只想說一句話 |
| 00:13:24,000 | 00:13:26,000 | 我只想說一句話 |
| 00:13:26,000 | 00:13:28,000 | 我只想說一句話 |
| 00:13:28,000 | 00:13:30,000 | 我只想說一句話 |
| 00:13:30,000 | 00:13:32,000 | 我只想說一句話 |
| 00:13:32,000 | 00:13:34,000 | 我只想說一句話 |
| 00:13:34,000 | 00:13:36,000 | 我只想說一句話 |
| 00:13:36,000 | 00:13:38,000 | 我只想說一句話 |
| 00:13:38,000 | 00:13:40,000 | 我只想說一句話 |
| 00:13:40,000 | 00:13:42,000 | 我只想說一句話 |
| 00:13:42,000 | 00:13:44,000 | 我只想說一句話 |
| 00:13:44,000 | 00:13:46,000 | 我只想說一句話 |
| 00:13:46,000 | 00:13:48,000 | 我只想說一句話 |
| 00:13:48,000 | 00:13:50,000 | 我只想說一句話 |
| 00:13:50,000 | 00:13:52,000 | 我只想說一句話 |
| 00:13:52,000 | 00:13:54,000 | 我只想說一句話 |
| 00:13:54,000 | 00:13:56,000 | 我只想說一句話 |
| 00:13:56,000 | 00:13:58,000 | 我只想說一句話 |
| 00:13:58,000 | 00:14:00,000 | 我只想說一句話 |
| 00:14:00,000 | 00:14:02,000 | 我只想說一句話 |
| 00:14:02,000 | 00:14:04,000 | 我只想說一句話 |
| 00:14:04,000 | 00:14:06,000 | 我只想說一句話 |
| 00:14:06,000 | 00:14:08,000 | 我只想說一句話 |
| 00:14:08,000 | 00:14:10,000 | 我只想說一句話 |
| 00:14:10,000 | 00:14:12,000 | 我只想說一句話 |
| 00:14:12,000 | 00:14:14,000 | 我只想說一句話 |
| 00:14:14,000 | 00:14:16,000 | 我只想說一句話 |
| 00:14:16,000 | 00:14:18,000 | 我只想說一句話 |
| 00:14:18,000 | 00:14:20,000 | 我只想說一句話 |
| 00:14:20,000 | 00:14:22,000 | 我只想說一句話 |
| 00:14:22,000 | 00:14:24,000 | 我只想說一句話 |
| 00:14:24,000 | 00:14:26,000 | 我只想說一句話 |
| 00:14:26,000 | 00:14:28,000 | 我只想說一句話 |
| 00:14:28,000 | 00:14:30,000 | 我只想說一句話 |
| 00:14:30,000 | 00:14:32,000 | 我只想說一句話 |
| 00:14:32,000 | 00:14:34,000 | 我只想說一句話 |
| 00:14:34,000 | 00:14:36,000 | 我只想說一句話 |
| 00:14:36,000 | 00:14:38,000 | 我只想說一句話 |
| 00:14:38,000 | 00:14:40,000 | 我只想說一句話 |
| 00:14:40,000 | 00:14:42,000 | 我只想說一句話 |
| 00:14:42,000 | 00:14:44,000 | 我只想說一句話 |
| 00:14:44,000 | 00:14:46,000 | 我只想說一句話 |
| 00:14:46,000 | 00:14:48,000 | 我只想說一句話 |
| 00:14:48,000 | 00:14:50,000 | 我只想說一句話 |
| 00:14:50,000 | 00:14:52,000 | 我只想說一句話 |
| 00:14:52,000 | 00:14:54,000 | 我只想說一句話 |
| 00:14:54,000 | 00:14:56,000 | 我只想說一句話 |
| 00:14:56,000 | 00:14:58,000 | 我只想說一句話 |
| 00:14:58,000 | 00:15:00,000 | 我只想說一句話 |
| 00:15:00,000 | 00:15:02,000 | 我只想說一句話 |
| 00:15:02,000 | 00:15:04,000 | 我只想說一句話 |
| 00:15:04,000 | 00:15:06,000 | 我只想說一句話 |
| 00:15:06,000 | 00:15:08,000 | 我只想說一句話 |
| 00:15:08,000 | 00:15:10,000 | 我只想說一句話 |
| 00:15:10,000 | 00:15:12,000 | 我只想說一句話 |
| 00:15:12,000 | 00:15:14,000 | 我只想說一句話 |
| 00:15:14,000 | 00:15:16,000 | 我只想說一句話 |
| 00:15:16,000 | 00:15:18,000 | 我只想說一句話 |
| 00:15:18,000 | 00:15:20,000 | 我只想說一句話 |
| 00:15:20,000 | 00:15:22,000 | 我只想說一句話 |
| 00:15:22,000 | 00:15:24,000 | 我只想說一句話 |
| 00:15:24,000 | 00:15:26,000 | 我只想說一句話 |
| 00:15:26,000 | 00:15:28,000 | 我只想說一句話 |
| 00:15:28,000 | 00:15:30,000 | 我只想說一句話 |
| 00:15:30,000 | 00:15:32,000 | 我只想說一句話 |
| 00:15:32,000 | 00:15:34,000 | 我只想說一句話 |
| 00:15:34,000 | 00:15:36,000 | 我只想說一句話 |
| 00:15:36,000 | 00:15:38,000 | 我只想說一句話 |
| 00:15:38,000 | 00:15:40,000 | 我只想說一句話 |
| 00:15:40,000 | 00:15:42,000 | 我只想說一句話 |
| 00:15:42,000 | 00:15:44,000 | 我只想說一句話 |
| 00:15:44,000 | 00:15:46,000 | 我只想說一句話 |
| 00:15:46,000 | 00:15:48,000 | 我只想說一句話 |
| 00:15:48,000 | 00:15:50,000 | 我只想說一句話 |
| 00:15:50,000 | 00:15:52,000 | 我只想說一句話 |
| 00:15:52,000 | 00:15:54,000 | 我只想說一句話 |
| 00:15:54,000 | 00:15:56,000 | 我只想說一句話 |
| 00:15:56,000 | 00:15:58,000 | 我只想說一句話 |
| 00:15:58,000 | 00:16:00,000 | 我只想說一句話 |
| 00:16:00,000 | 00:16:02,000 | 我只想說一句話 |
| 00:16:02,000 | 00:16:04,000 | 我只想說一句話 |
| 00:16:04,000 | 00:16:06,000 | 我只想說一句話 |
| 00:16:06,000 | 00:16:08,000 | 我只想說一句話 |
| 00:16:08,000 | 00:16:10,000 | 我只想說一句話 |
| 00:16:10,000 | 00:16:12,000 | 我只想說一句話 |
| 00:16:12,000 | 00:16:14,000 | 我只想說一句話 |
| 00:16:14,000 | 00:16:16,000 | 我只想說一句話 |
| 00:16:16,000 | 00:16:18,000 | 我只想說一句話 |
| 00:16:18,000 | 00:16:20,000 | 我只想說一句話 |
| 00:16:20,000 | 00:16:22,000 | 我只想說一句話 |
| 00:16:22,000 | 00:16:24,000 | 我只想說一句話 |
| 00:16:24,000 | 00:16:26,000 | 我只想說一句話 |
| 00:16:26,000 | 00:16:28,000 | 我只想說一句話 |
| 00:16:28,000 | 00:16:30,000 | 我只想說一句話 |
| 00:16:30,000 | 00:16:32,000 | 我只想說一句話 |
| 00:16:32,000 | 00:16:34,000 | 我只想說一句話 |
| 00:16:34,000 | 00:16:36,000 | 我只想說一句話 |
| 00:16:36,000 | 00:16:38,000 | 我只想說一句話 |
| 00:16:38,000 | 00:16:40,000 | 我只想說一句話 |
| 00:16:40,000 | 00:16:42,000 | 我只想說一句話 |
| 00:16:42,000 | 00:16:44,000 | 我只想說一句話 |
| 00:16:44,000 | 00:16:46,000 | 我只想說一句話 |
| 00:16:46,000 | 00:16:48,000 | 我只想說一句話 |
| 00:16:48,000 | 00:16:50,000 | 我只想說一句話 |
| 00:16:50,000 | 00:16:52,000 | 我只想說一句話 |
| 00:16:52,000 | 00:16:54,000 | 我只想說一句話 |
| 00:16:54,000 | 00:16:56,000 | 我只想說一句話 |
| 00:16:56,000 | 00:16:58,000 | 我只想說一句話 |
| 00:16:58,000 | 00:17:00,000 | 我只想說一句話 |
| 00:17:00,000 | 00:17:02,000 | 我只想說一句話 |
| 00:17:02,000 | 00:17:04,000 | 我只想說一句話 |
| 00:17:04,000 | 00:17:06,000 | 我只想說一句話 |
| 00:17:06,000 | 00:17:08,000 | 我只想說一句話 |
| 00:17:08,000 | 00:17:10,000 | 我只想說一句話 |
| 00:17:10,000 | 00:17:12,000 | 我只想說一句話 |
| 00:17:12,000 | 00:17:14,000 | 我只想說一句話 |
| 00:17:14,000 | 00:17:16,000 | 我只想說一句話 |
| 00:17:16,000 | 00:17:18,000 | 我只想說一句話 |
| 00:17:18,000 | 00:17:20,000 | 我只想說一句話 |
| 00:17:20,000 | 00:17:22,000 | 我只想說一句話 |
| 00:17:22,000 | 00:17:24,000 | 我只想說一句話 |
| 00:17:24,000 | 00:17:26,000 | 我只想說一句話 |
| 00:17:26,000 | 00:17:28,000 | 我只想說一句話 |
| 00:17:28,000 | 00:17:30,000 | 我只想說一句話 |
| 00:17:30,000 | 00:17:32,000 | 我只想說一句話 |
| 00:17:32,000 | 00:17:34,000 | 我只想說一句話 |
| 00:17:34,000 | 00:17:36,000 | 我只想說一句話 |
| 00:17:36,000 | 00:17:38,000 | 我只想說一句話 |
| 00:17:38,000 | 00:17:40,000 | 我只想說一句話 |
| 00:17:40,000 | 00:17:42,000 | 我只想說一句話 |
| 00:17:42,000 | 00:17:44,000 | 我只想說一句話 |
| 00:17:44,000 | 00:17:46,000 | 我只想說一句話 |
| 00:17:46,000 | 00:17:48,000 | 我只想說一句話 |
| 00:17:48,000 | 00:17:50,000 | 我只想說一句話 |
| 00:17:50,000 | 00:17:52,000 | 我只想說一句話 |
| 00:17:52,000 | 00:17:54,000 | 我只想說一句話 |
| 00:17:54,000 | 00:17:56,000 | 我只想說一句話 |
| 00:17:56,000 | 00:17:58,000 | 我只想說一句話 |
| 00:17:58,000 | 00:18:00,000 | 我只想說一句話 |
| 00:18:00,000 | 00:18:02,000 | 我只想說一句話 |
| 00:18:02,000 | 00:18:04,000 | 我只想說一句話 |
| 00:18:04,000 | 00:18:06,000 | 我只想說一句話 |
| 00:18:06,000 | 00:18:08,000 | 我只想說一句話 |
| 00:18:08,000 | 00:18:10,000 | 我只想說一句話 |
| 00:18:10,000 | 00:18:12,000 | 我只想說一句話 |
| 00:18:12,000 | 00:18:14,000 | 我只想說一句話 |
| 00:18:14,000 | 00:18:16,000 | 我只想說一句話 |
| 00:18:16,000 | 00:18:18,000 | 我只想說一句話 |
| 00:18:18,000 | 00:18:20,000 | 我只想說一句話 |
| 00:18:20,000 | 00:18:22,000 | 我只想說一句話 |
| 00:18:22,000 | 00:18:24,000 | 我只想說一句話 |
| 00:18:24,000 | 00:18:26,000 | 我只想說一句話 |
| 00:18:26,000 | 00:18:28,000 | 我只想說一句話 |
| 00:18:28,000 | 00:18:30,000 | 我只想說一句話 |
| 00:18:30,000 | 00:18:32,000 | 我只想說一句話 |
| 00:18:32,000 | 00:18:34,000 | 我只想說一句話 |
| 00:18:34,000 | 00:18:36,000 | 我只想說一句話 |
| 00:18:36,000 | 00:18:38,000 | 我只想說一句話 |
| 00:18:38,000 | 00:18:40,000 | 我只想說一句話 |
| 00:18:40,000 | 00:18:42,000 | 我只想說一句話 |
| 00:18:42,000 | 00:18:44,000 | 我只想說一句話 |
| 00:18:44,000 | 00:18:46,000 | 我只想說一句話 |
| 00:18:46,000 | 00:18:48,000 | 我只想說一句話 |
| 00:18:48,000 | 00:18:50,000 | 我只想說一句話 |
| 00:18:50,000 | 00:18:52,000 | 我只想說一句話 |
| 00:18:52,000 | 00:18:54,000 | 我只想說一句話 |
| 00:18:54,000 | 00:18:56,000 | 我只想說一句話 |
| 00:18:56,000 | 00:18:58,000 | 我只想說一句話 |
| 00:18:58,000 | 00:19:00,000 | 我只想說一句話 |
| 00:19:00,000 | 00:19:02,000 | 我只想說一句話 |
| 00:19:02,000 | 00:19:04,000 | 我只想說一句話 |
| 00:19:04,000 | 00:19:06,000 | 我只想說一句話 |
| 00:19:06,000 | 00:19:08,000 | 我只想說一句話 |
| 00:19:08,000 | 00:19:10,000 | 我只想說一句話 |
| 00:19:10,000 | 00:19:12,000 | 我只想說一句話 |
| 00:19:12,000 | 00:19:14,000 | 我只想說一句話 |
| 00:19:14,000 | 00:19:16,000 | 我只想說一句話 |
| 00:19:16,000 | 00:19:18,000 | 我只想說一句話 |
| 00:19:18,000 | 00:19:20,000 | 我只想說一句話 |
| 00:19:20,000 | 00:19:22,000 | 我只想說一句話 |
| 00:19:22,000 | 00:19:24,000 | 我只想說一句話 |
| 00:19:24,000 | 00:19:26,000 | 我只想說一句話 |
| 00:19:26,000 | 00:19:28,000 | 我只想說一句話 |
| 00:19:28,000 | 00:19:30,000 | 我只想說一句話 |
| 00:19:30,000 | 00:19:32,000 | 我只想說一句話 |
| 00:19:32,000 | 00:19:34,000 | 我只想說一句話 |
| 00:19:34,000 | 00:19:36,000 | 我只想說一句話 |
| 00:19:36,000 | 00:19:38,000 | 我只想說一句話 |
| 00:19:38,000 | 00:19:40,000 | 我只想說一句話 |
| 00:19:40,000 | 00:19:42,000 | 我只想說一句話 |
| 00:19:42,000 | 00:19:44,000 | 我只想說一句話 |
| 00:19:44,000 | 00:19:46,000 | 我只想說一句話 |
| 00:19:46,000 | 00:19:48,000 | 我只想說一句話 |
| 00:19:48,000 | 00:19:50,000 | 我只想說一句話 |
| 00:19:50,000 | 00:19:52,000 | 我只想說一句話 |
| 00:19:52,000 | 00:19:54,000 | 我只想說一句話 |
| 00:19:54,000 | 00:19:56,000 | 我只想說一句話 |
| 00:19:56,000 | 00:19:58,000 | 我只想說一句話 |
| 00:19:58,000 | 00:20:00,000 | 我只想說一句話 |
| 00:20:00,000 | 00:20:02,000 | 我只想說一句話 |
| 00:20:02,000 | 00:20:04,000 | 我只想說一句話 |
| 00:20:04,000 | 00:20:06,000 | 我只想說一句話 |
| 00:20:06,000 | 00:20:08,000 | 我只想說一句話 |
| 00:20:08,000 | 00:20:10,000 | 我只想說一句話 |
| 00:20:10,000 | 00:20:12,000 | 我只想說一句話 |
| 00:20:12,000 | 00:20:14,000 | 我只想說一句話 |
| 00:20:14,000 | 00:20:16,000 | 我只想說一句話 |
| 00:20:16,000 | 00:20:18,000 | 我只想說一句話 |
| 00:20:18,000 | 00:20:20,000 | 我只想說一句話 |
| 00:20:20,000 | 00:20:22,000 | 我只想說一句話 |
| 00:20:22,000 | 00:20:24,000 | 我只想說一句話 |
| 00:20:24,000 | 00:20:26,000 | 我只想說一句話 |
| 00:20:26,000 | 00:20:28,000 | 我只想說一句話 |
| 00:20:28,000 | 00:20:30,000 | 我只想說一句話 |
| 00:20:30,000 | 00:20:32,000 | 我只想說一句話 |
| 00:20:32,000 | 00:20:34,000 | 我只想說一句話 |
| 00:20:34,000 | 00:20:36,000 | 我只想說一句話 |
| 00:20:36,000 | 00:20:38,000 | 我只想說一句話 |
| 00:20:38,000 | 00:20:40,000 | 我只想說一句話 |
| 00:20:40,000 | 00:20:42,000 | 我只想說一句話 |
| 00:20:42,000 | 00:20:44,000 | 我只想說一句話 |
| 00:20:44,000 | 00:20:46,000 | 我只想說一句話 |
| 00:20:46,000 | 00:20:48,000 | 我只想說一句話 |
| 00:20:48,000 | 00:20:50,000 | 我只想說一句話 |
| 00:20:50,000 | 00:20:52,000 | 我只想說一句話 |
| 00:20:52,000 | 00:20:54,000 | 我只想說一句話 |
| 00:20:54,000 | 00:20:56,000 | 我只想說一句話 |
| 00:20:56,000 | 00:20:58,000 | 我只想說一句話 |
| 00:20:58,000 | 00:21:00,000 | 我只想說一句話 |
| 00:21:00,000 | 00:21:02,000 | 我只想說一句話 |
| 00:21:02,000 | 00:21:04,000 | 我只想說一句話 |
| 00:21:04,000 | 00:21:06,000 | 我只想說一句話 |
| 00:21:06,000 | 00:21:08,000 | 我只想說一句話 |
| 00:21:08,000 | 00:21:10,000 | 我只想說一句話 |
| 00:21:10,000 | 00:21:12,000 | 我只想說一句話 |
| 00:21:12,000 | 00:21:14,000 | 我只想說一句話 |
| 00:21:14,000 | 00:21:16,000 | 我只想說一句話 |
| 00:21:16,000 | 00:21:18,000 | 我只想說一句話 |
| 00:21:18,000 | 00:21:20,000 | 我只想說一句話 |
| 00:21:20,000 | 00:21:22,000 | 我只想說一句話 |
| 00:21:22,000 | 00:21:24,000 | 我只想說一句話 |
| 00:21:24,000 | 00:21:26,000 | 我只想說一句話 |
| 00:21:26,000 | 00:21:28,000 | 我只想說一句話 |
| 00:21:28,000 | 00:21:30,000 | 我只想說一句話 |
| 00:21:30,000 | 00:21:32,000 | 我只想說一句話 |
| 00:21:32,000 | 00:21:34,000 | 我只想說一句話 |
| 00:21:34,000 | 00:21:36,000 | 我只想說一句話 |
| 00:21:36,000 | 00:21:38,000 | 我只想說一句話 |
| 00:21:38,000 | 00:21:40,000 | 我只想說一句話 |
| 00:21:40,000 | 00:21:42,000 | 我只想說一句話 |
| 00:21:42,000 | 00:21:44,000 | 我只想說一句話 |
| 00:21:44,000 | 00:21:46,000 | 我只想說一句話 |
| 00:21:46,000 | 00:21:48,000 | 我只想說一句話 |
| 00:21:48,000 | 00:21:50,000 | 我只想說一句話 |
| 00:21:50,000 | 00:21:52,000 | 我只想說一句話 |
| 00:21:52,000 | 00:21:54,000 | 我只想說一句話 |
| 00:21:54,000 | 00:21:56,000 | 我只想說一句話 |
| 00:21:56,000 | 00:21:58,000 | 我只想說一句話 |
| 00:21:58,000 | 00:22:00,000 | 我只想說一句話 |
| 00:22:00,000 | 00:22:02,000 | 我只想說一句話 |
| 00:22:02,000 | 00:22:04,000 | 我只想說一句話 |
| 00:22:04,000 | 00:22:06,000 | 我只想說一句話 |
| 00:22:06,000 | 00:22:08,000 | 我只想說一句話 |
| 00:22:08,000 | 00:22:10,000 | 我只想說一句話 |
| 00:22:10,000 | 00:22:12,000 | 我只想說一句話 |
| 00:22:12,000 | 00:22:14,000 | 我只想說一句話 |
| 00:22:14,000 | 00:22:16,000 | 我只想說一句話 |
| 00:22:16,000 | 00:22:18,000 | 我只想說一句話 |
| 00:22:18,000 | 00:22:20,000 | 我只想說一句話 |
| 00:22:20,000 | 00:22:22,000 | 我只想說一句話 |
| 00:22:22,000 | 00:22:24,000 | 我只想說一句話 |
| 00:22:24,000 | 00:22:26,000 | 我只想說一句話 |
| 00:22:26,000 | 00:22:28,000 | 我只想說一句話 |
| 00:22:28,000 | 00:22:30,000 | 我只想說一句話 |
| 00:22:30,000 | 00:22:32,000 | 我只想說一句話 |
| 00:22:32,000 | 00:22:34,000 | 我只想說一句話 |
| 00:22:34,000 | 00:22:36,000 | 我只想說一句話 |
| 00:22:36,000 | 00:22:38,000 | 我只想說一句話 |
| 00:22:38,000 | 00:22:40,000 | 我只想說一句話 |
| 00:22:40,000 | 00:22:42,000 | 我只想說一句話 |
| 00:22:42,000 | 00:22:44,000 | 我只想說一句話 |
| 00:22:44,000 | 00:22:46,000 | 我只想說一句話 |
| 00:22:46,000 | 00:22:48,000 | 我只想說一句話 |
| 00:22:48,000 | 00:22:50,000 | 我只想說一句話 |
| 00:22:50,000 | 00:22:52,000 | 我只想說一句話 |
| 00:22:52,000 | 00:22:54,000 | 我只想說一句話 |
| 00:22:54,000 | 00:22:56,000 | 我只想說一句話 |
| 00:22:56,000 | 00:22:58,000 | 我只想說一句話 |
| 00:22:58,000 | 00:23:00,000 | 我只想說一句話 |
| 00:23:00,000 | 00:23:02,000 | 我只想說一句話 |
| 00:23:02,000 | 00:23:04,000 | 我只想說一句話 |
| 00:23:04,000 | 00:23:06,000 | 我只想說一句話 |
| 00:23:06,000 | 00:23:08,000 | 我只想說一句話 |
| 00:23:08,000 | 00:23:10,000 | 我只想說一句話 |
| 00:23:10,000 | 00:23:12,000 | 我只想說一句話 |
| 00:23:12,000 | 00:23:14,000 | 我只想說一句話 |
| 00:23:14,000 | 00:23:16,000 | 我只想說一句話 |
| 00:23:16,000 | 00:23:18,000 | 我只想說一句話 |
| 00:23:18,000 | 00:23:20,000 | 我只想說一句話 |
| 00:23:20,000 | 00:23:22,000 | 我只想說一句話 |
| 00:23:22,000 | 00:23:24,000 | 我只想說一句話 |
| 00:23:24,000 | 00:23:26,000 | 我只想說一句話 |
| 00:23:26,000 | 00:23:28,000 | 我只想說一句話 |
| 00:23:28,000 | 00:23:30,000 | 我只想說一句話 |
| 00:23:30,000 | 00:23:32,000 | 我只想說一句話 |
| 00:23:32,000 | 00:23:34,000 | 我只想說一句話 |
| 00:23:34,000 | 00:23:36,000 | 我只想說一句話 |
| 00:23:36,000 | 00:23:38,000 | 我只想說一句話 |
| 00:23:38,000 | 00:23:40,000 | 我只想說一句話 |
| 00:23:40,000 | 00:23:42,000 | 我只想說一句話 |
| 00:23:42,000 | 00:23:44,000 | 我只想說一句話 |
| 00:23:44,000 | 00:23:46,000 | 我只想說一句話 |
| 00:23:46,000 | 00:23:48,000 | 我只想說一句話 |
| 00:23:48,000 | 00:23:50,000 | 我只想說一句話 |
| 00:23:50,000 | 00:23:52,000 | 我只想說一句話 |
| 00:23:52,000 | 00:23:54,000 | 我只想說一句話 |
| 00:23:54,000 | 00:23:56,000 | 我只想說一句話 |
| 00:23:56,000 | 00:23:58,000 | 我只想說一句話 |
| 00:23:58,000 | 00:24:00,000 | 我只想說一句話 |
| 00:24:00,000 | 00:24:02,000 | 我只想說一句話 |
| 00:24:02,000 | 00:24:04,000 | 我只想說一句話 |
| 00:24:04,000 | 00:24:06,000 | 我只想說一句話 |
| 00:24:06,000 | 00:24:08,000 | 我只想說一句話 |
| 00:24:08,000 | 00:24:10,000 | 我只想說一句話 |
| 00:24:10,000 | 00:24:12,000 | 我只想說一句話 |
| 00:24:12,000 | 00:24:14,000 | 我只想說一句話 |
| 00:24:14,000 | 00:24:16,000 | 我只想說一句話 |
| 00:24:16,000 | 00:24:18,000 | 我只想說一句話 |
| 00:24:18,000 | 00:24:20,000 | 我只想說一句話 |
| 00:24:20,000 | 00:24:22,000 | 我只想說一句話 |
| 00:24:22,000 | 00:24:24,000 | 我只想說一句話 |
| 00:24:24,000 | 00:24:26,000 | 我只想說一句話 |
| 00:24:26,000 | 00:24:28,000 | 我只想說一句話 |
| 00:24:28,000 | 00:24:30,000 | 我只想說一句話 |
| 00:24:30,000 | 00:24:32,000 | 我只想說一句話 |
| 00:24:32,000 | 00:24:34,000 | 我只想說一句話 |
| 00:24:34,000 | 00:24:36,000 | 我只想說一句話 |
| 00:24:36,000 | 00:24:38,000 | 我只想說一句話 |
| 00:24:38,000 | 00:24:40,000 | 我只想說一句話 |
| 00:24:40,000 | 00:24:42,000 | 我只想說一句話 |
| 00:24:42,000 | 00:24:44,000 | 我只想說一句話 |
| 00:24:44,000 | 00:24:46,000 | 我只想說一句話 |
| 00:24:46,000 | 00:24:48,000 | 我只想說一句話 |
| 00:24:48,000 | 00:24:50,000 | 我只想說一句話 |
| 00:24:50,000 | 00:24:52,000 | 我只想說一句話 |
| 00:24:52,000 | 00:24:54,000 | 我只想說一句話 |
| 00:24:54,000 | 00:24:56,000 | 我只想說一句話 |
| 00:24:56,000 | 00:24:58,000 | 我只想說一句話 |
| 00:24:58,000 | 00:25:00,000 | 我只想說一句話 |
| 00:25:00,000 | 00:25:02,000 | 我只想說一句話 |
| 00:25:02,000 | 00:25:04,000 | 我只想說一句話 |
| 00:25:04,000 | 00:25:06,000 | 我只想說一句話 |
| 00:25:06,000 | 00:25:08,000 | 我只想說一句話 |
| 00:25:08,000 | 00:25:10,000 | 我只想說一句話 |
| 00:25:10,000 | 00:25:12,000 | 我只想說一句話 |
| 00:25:12,000 | 00:25:14,000 | 我只想說一句話 |
| 00:25:14,000 | 00:25:16,000 | 我只想說一句話 |
| 00:25:16,000 | 00:25:18,000 | 我只想說一句話 |
| 00:25:18,000 | 00:25:20,000 | 我只想說一句話 |
| 00:25:20,000 | 00:25:22,000 | 我只想說一句話 |
| 00:25:22,000 | 00:25:24,000 | 我只想說一句話 |
| 00:25:24,000 | 00:25:26,000 | 我只想說一句話 |
| 00:25:26,000 | 00:25:28,000 | 我只想說一句話 |
| 00:25:28,000 | 00:25:30,000 | 我只想說一句話 |
| 00:25:30,000 | 00:25:32,000 | 我只想說一句話 |
| 00:25:32,000 | 00:25:34,000 | 我只想說一句話 |
| 00:25:34,000 | 00:25:36,000 | 我只想說一句話 |
| 00:25:36,000 | 00:25:38,000 | 我只想說一句話 |
| 00:25:38,000 | 00:25:40,000 | 我只想說一句話 |
| 00:25:40,000 | 00:25:42,000 | 我只想說一句話 |
| 00:25:42,000 | 00:25:44,000 | 我只想說一句話 |
| 00:25:44,000 | 00:25:46,000 | 我只想說一句話 |
| 00:25:46,000 | 00:25:48,000 | 我只想說一句話 |
| 00:25:48,000 | 00:25:50,000 | 我只想說一句話 |
| 00:25:50,000 | 00:25:52,000 | 我只想說一句話 |
| 00:25:52,000 | 00:25:54,000 | 我只想說一句話 |
| 00:25:54,000 | 00:25:56,000 | 我只想說一句話 |
| 00:25:56,000 | 00:25:58,000 | 我只想說一句話 |
| 00:25:58,000 | 00:26:00,000 | 我只想說一句話 |
| 00:26:00,000 | 00:26:02,000 | 我只想說一句話 |
| 00:26:02,000 | 00:26:04,000 | 我只想說一句話 |
| 00:26:04,000 | 00:26:06,000 | 我只想說一句話 |
| 00:26:06,000 | 00:26:08,000 | 我只想說一句話 |
| 00:26:08,000 | 00:26:10,000 | 我只想說一句話 |
| 00:26:10,000 | 00:26:12,000 | 我只想說一句話 |
| 00:26:12,000 | 00:26:14,000 | 我只想說一句話 |
| 00:26:14,000 | 00:26:16,000 | 我只想說一句話 |
| 00:26:16,000 | 00:26:18,000 | 我只想說一句話 |
| 00:26:18,000 | 00:26:20,000 | 我只想說一句話 |
| 00:26:20,000 | 00:26:22,000 | 我只想說一句話 |
| 00:26:22,000 | 00:26:24,000 | 我只想說一句話 |
| 00:26:24,000 | 00:26:26,000 | 我只想說一句話 |
| 00:26:26,000 | 00:26:28,000 | 我只想說一句話 |
| 00:26:28,000 | 00:26:30,000 | 我只想說一句話 |
| 00:26:30,000 | 00:26:32,000 | 我只想說一句話 |
| 00:26:32,000 | 00:26:34,000 | 我只想說一句話 |
| 00:26:34,000 | 00:26:36,000 | 我只想說一句話 |
| 00:26:36,000 | 00:26:38,000 | 我只想說一句話 |
| 00:26:38,000 | 00:26:40,000 | 我只想說一句話 |
| 00:26:40,000 | 00:26:42,000 | 我只想說一句話 |
| 00:26:42,000 | 00:26:44,000 | 我只想說一句話 |
| 00:26:44,000 | 00:26:46,000 | 我只想說一句話 |
| 00:26:46,000 | 00:26:48,000 | 我只想說一句話 |
| 00:26:48,000 | 00:26:50,000 | 我只想說一句話 |
| 00:26:50,000 | 00:26:52,000 | 我只想說一句話 |
| 00:26:52,000 | 00:26:54,000 | 我只想說一句話 |
| 00:26:54,000 | 00:26:56,000 | 我只想說一句話 |
| 00:26:56,000 | 00:26:58,000 | 我只想說一句話 |
| 00:26:58,000 | 00:27:00,000 | 我只想說一句話 |
| 00:27:00,000 | 00:27:02,000 | 我只想說一句話 |
| 00:27:02,000 | 00:27:04,000 | 我只想說一句話 |
| 00:27:04,000 | 00:27:06,000 | 我只想說一句話 |
| 00:27:06,000 | 00:27:08,000 | 我只想說一句話 |
| 00:27:08,000 | 00:27:10,000 | 我只想說一句話 |
| 00:27:10,000 | 00:27:12,000 | 我只想說一句話 |
| 00:27:12,000 | 00:27:14,000 | 我只想說一句話 |
| 00:27:14,000 | 00:27:16,000 | 我只想說一句話 |
| 00:27:16,000 | 00:27:18,000 | 我只想說一句話 |
| 00:27:18,000 | 00:27:20,000 | 我只想說一句話 |
| 00:27:20,000 | 00:27:22,000 | 我只想說一句話 |
| 00:27:22,000 | 00:27:24,000 | 我只想說一句話 |
| 00:27:24,000 | 00:27:26,000 | 我只想說一句話 |
| 00:27:26,000 | 00:27:28,000 | 我只想說一句話 |
| 00:27:28,000 | 00:27:30,000 | 我只想說一句話 |
| 00:27:30,000 | 00:27:32,000 | 我只想說一句話 |
| 00:27:32,000 | 00:27:34,000 | 我只想說一句話 |
| 00:27:34,000 | 00:27:36,000 | 我只想說一句話 |
| 00:27:36,000 | 00:27:38,000 | 我只想說一句話 |
| 00:27:38,000 | 00:27:40,000 | 我只想說一句話 |
| 00:27:40,000 | 00:27:42,000 | 我只想說一句話 |
| 00:27:42,000 | 00:27:44,000 | 我只想說一句話 |
| 00:27:44,000 | 00:27:46,000 | 我只想說一句話 |
| 00:27:46,000 | 00:27:48,000 | 我只想說一句話 |
| 00:27:48,000 | 00:27:50,000 | 我只想說一句話 |
| 00:27:50,000 | 00:27:52,000 | 我只想說一句話 |
| 00:27:52,000 | 00:27:54,000 | 我只想說一句話 |
| 00:27:54,000 | 00:27:56,000 | 我只想說一句話 |
| 00:27:56,000 | 00:27:58,000 | 我只想說一句話 |
| 00:27:58,000 | 00:28:00,000 | 我只想說一句話 |
| 00:28:00,000 | 00:28:02,000 | 我只想說一句話 |
| 00:28:03,000 | 00:28:25,720 | aved by leon |
| 00:28:28,280 | 00:28:31,280 | 向委員會報告 |
| 00:28:31,280 | 00:28:35,280 | 我們今天的公聽會正式的開始 |
| 00:28:35,280 | 00:28:38,280 | 那麼歡迎今天綠林的學者專家 |
| 00:28:38,280 | 00:28:41,280 | 在場的委員、政府機關的代表來參加 |
| 00:28:41,280 | 00:28:45,280 | 財政部所屬泛公股金融機構 |
| 00:28:45,280 | 00:28:49,280 | 面對當前激烈競爭環境 |
| 00:28:49,280 | 00:28:53,280 | 如何擬定泛公股合併的短中長 |
| 00:28:53,280 | 00:28:58,280 | 短中程策略以實施計畫公聽會 |
| 00:28:58,280 | 00:29:04,280 | 那麼我二要的先表達一下 |
| 00:29:04,280 | 00:29:08,280 | 這次公聽會的目的 |
| 00:29:12,280 | 00:29:18,280 | 我先表達一下今天公聽會的目的 |
| 00:29:18,280 | 00:29:21,280 | 今天公聽會目的其實大家都了解 |
| 00:29:21,280 | 00:29:26,280 | 前陣子財政部花了快一百億 |
| 00:29:26,280 | 00:29:32,280 | 注資去取得國票金的一個控制權 |
| 00:29:32,280 | 00:29:36,280 | 在國票金的董事會裡面 |
| 00:29:36,280 | 00:29:41,280 | 史吾希董事、財政部的他的官股代表巴西 |
| 00:29:41,280 | 00:29:43,280 | 民股33億 |
| 00:29:43,280 | 00:29:47,280 | 所以財政部取得絕對的優勢 |
| 00:29:47,280 | 00:29:49,280 | 外界就認為 |
| 00:29:49,280 | 00:29:51,280 | 那麼財政部這個舉動 |
| 00:29:51,280 | 00:29:54,280 | 當然是是不是要推動公共病 |
| 00:29:54,280 | 00:29:57,280 | 推動公共病就是今天公聽會的目的 |
| 00:29:57,280 | 00:30:00,280 | 但是後來財政部語音不詳 |
| 00:30:00,280 | 00:30:03,280 | 那我就高度質疑了 |
| 00:30:03,280 | 00:30:05,280 | 如果你今天不推公共病 |
| 00:30:05,280 | 00:30:09,280 | 那你為什麼要注資這麼多錢到國票金 |
| 00:30:09,280 | 00:30:12,280 | 國票金是所有實際加金控裡面 |
| 00:30:12,280 | 00:30:18,280 | 電底的績效最差、規模最小 |
| 00:30:18,280 | 00:30:22,280 | 現在我們看到的以為 |
| 00:30:22,280 | 00:30:24,280 | 現在要推公共病 |
| 00:30:24,280 | 00:30:26,280 | 提高我們泛公股 |
| 00:30:26,280 | 00:30:29,280 | 銀行、我們的金融機構的經營效率 |
| 00:30:29,280 | 00:30:31,280 | 但到現在為止沒有這個答案 |
| 00:30:31,280 | 00:30:33,280 | 等一下我們學士就在講完 |
| 00:30:33,280 | 00:30:35,280 | 以後再請財政部長把這個說清楚 |
| 00:30:35,280 | 00:30:37,280 | 講明白 |
| 00:30:37,280 | 00:30:39,280 | 我特別要提的 |
| 00:30:39,280 | 00:30:41,280 | 我是對事不對人 |
| 00:30:41,280 | 00:30:43,280 | 我們要看 |
| 00:30:43,280 | 00:30:46,280 | 現在他並不是泛公股了 |
| 00:30:46,280 | 00:30:49,280 | 今天所有的泛公股都到 |
| 00:30:49,280 | 00:30:54,280 | 包括華南金的林副董都到 |
| 00:30:54,280 | 00:31:01,280 | 我們來肯定他對我們立法院的尊重 |
| 00:31:01,280 | 00:31:04,280 | 但是我要同時譴責 |
| 00:31:04,280 | 00:31:07,280 | 我們國票金的副董事長陳冠柱 |
| 00:31:07,280 | 00:31:09,280 | 他藐視國會 |
| 00:31:09,280 | 00:31:11,280 | 他的理由 |
| 00:31:11,280 | 00:31:13,280 | 他請教的理由 |
| 00:31:13,280 | 00:31:15,280 | 說要開董事會 |
| 00:31:15,280 | 00:31:19,280 | 我們國票金董事長張肇順就在這裡 |
| 00:31:19,280 | 00:31:22,280 | 他有跟我辦公室說 |
| 00:31:22,280 | 00:31:26,280 | 因為要開今天出席公聽會 |
| 00:31:26,280 | 00:31:30,280 | 所以他把董事會延到11點 |
| 00:31:30,280 | 00:31:33,280 | 這個我也肯定 |
| 00:31:33,280 | 00:31:36,280 | 所以我現在就請財政部 |
| 00:31:36,280 | 00:31:39,280 | 你是不是派員來通知 |
| 00:31:39,280 | 00:31:41,280 | 國票金的副董事長 |
| 00:31:41,280 | 00:31:43,280 | 請他要出席 |
| 00:31:43,280 | 00:31:45,280 | 請他練習 |
| 00:31:45,280 | 00:31:47,280 | 那個莊部長 |
| 00:31:47,280 | 00:31:49,280 | 你可以嗎 |
| 00:31:51,280 | 00:31:53,280 | 對你會打 |
| 00:31:53,280 | 00:31:56,280 | 你請他到那邊 |
| 00:31:56,280 | 00:31:58,280 | 他請教理由是要參加董事會 |
| 00:31:58,280 | 00:32:01,280 | 現在董事會不開了他為什麼可以不來 |
| 00:32:01,280 | 00:32:03,280 | 謝謝委員 |
| 00:32:03,280 | 00:32:05,280 | 就我所知 |
| 00:32:05,280 | 00:32:09,280 | 今天的公聽會是由我們財委會發通知 |
| 00:32:09,280 | 00:32:10,280 | 做邀請 |
| 00:32:10,280 | 00:32:13,280 | 那至於陳副董事長 |
| 00:32:13,280 | 00:32:16,280 | 他是按照程序 |
| 00:32:16,280 | 00:32:19,280 | 是按照向召委請假的 |
| 00:32:19,280 | 00:32:21,280 | 那至於要不要再邀請他來 |
| 00:32:21,280 | 00:32:23,280 | 我想這個是由召委來決定 |
| 00:32:23,280 | 00:32:25,280 | 而不是由財政部來決定 |
| 00:32:25,280 | 00:32:28,280 | 因為是委員會請的 |
| 00:32:28,280 | 00:32:30,280 | 那如果說他也經過請假 |
| 00:32:30,280 | 00:32:32,280 | 經過召委同意 |
| 00:32:32,280 | 00:32:34,280 | 那現在要不要再邀請他來 |
| 00:32:34,280 | 00:32:37,280 | 由召委這邊議會來做決定 |
| 00:32:37,280 | 00:32:39,280 | 召委是召委 |
| 00:32:39,280 | 00:32:41,280 | 今天主席 |
| 00:32:41,280 | 00:32:43,280 | 我就以主席的身份了 |
| 00:32:43,280 | 00:32:46,280 | 我們請財政部官員 |
| 00:32:46,280 | 00:32:48,280 | 特別是國務處長能不能打個電話 |
| 00:32:48,280 | 00:32:50,280 | 跟警府董事長到 |
| 00:32:50,280 | 00:32:52,280 | 這個 |
| 00:32:52,280 | 00:32:54,280 | 他的理由他請教的理由 |
| 00:32:54,280 | 00:32:56,280 | 我所了解的是 |
| 00:32:56,280 | 00:32:59,280 | 參加今天的國票競爭董事會 |
| 00:32:59,280 | 00:33:01,280 | 可是董事會沒有開 |
| 00:33:01,280 | 00:33:03,280 | 董事長在這裡 |
| 00:33:03,280 | 00:33:05,280 | 那個張照尊董事長 |
| 00:33:05,280 | 00:33:07,280 | 董事長要不要講一下你們幾點開始 |
| 00:33:07,280 | 00:33:09,280 | 董事會 |
| 00:33:09,280 | 00:33:11,280 | 張董事長 |
| 00:33:11,280 | 00:33:13,280 | 十一點半開董事會 |
| 00:33:13,280 | 00:33:15,280 | 各位 |
| 00:33:15,280 | 00:33:17,280 | 所以他請教理由是這個 |
| 00:33:17,280 | 00:33:19,280 | 那我今天雖然我不是召委 |
| 00:33:19,280 | 00:33:21,280 | 可是我今天是主席 |
| 00:33:21,280 | 00:33:25,280 | 我今天有一定的一個角色扮演 |
| 00:33:25,280 | 00:33:27,280 | 這個角色扮演就是我們希望 |
| 00:33:27,280 | 00:33:31,280 | 所有的專攻股的總總 |
| 00:33:31,280 | 00:33:34,280 | 以及我們財政部支持的 |
| 00:33:34,280 | 00:33:38,280 | 這些的董事長副董事長總經理都到 |
| 00:33:38,280 | 00:33:41,280 | 來提一提我們要談的 |
| 00:33:41,280 | 00:33:43,280 | 這個公共病的相關的問題 |
| 00:33:43,280 | 00:33:45,280 | 所以是不是請財政部 |
| 00:33:45,280 | 00:33:49,280 | 你請陳處長你打個電話給陳副董 |
| 00:33:49,280 | 00:33:50,280 | 請他到好不好 |
| 00:33:50,280 | 00:33:52,280 | 他可以不到沒關係 |
| 00:33:52,280 | 00:33:54,280 | 你就跟我回應說他不到好不好 |
| 00:33:54,280 | 00:33:56,280 | 你再打個電話可以嗎 |
| 00:34:05,280 | 00:34:07,280 | 主席的意見我們尊重 |
| 00:34:07,280 | 00:34:10,279 | 那是不是可以請董事長張董事長打電話 |
| 00:34:10,279 | 00:34:12,279 | 我沒有跟他有電話 |
| 00:34:12,279 | 00:34:15,279 | 好吧那張董事長你就打吧 |
| 00:34:15,279 | 00:34:20,279 | 張董事長你他請教的理由是因為參加董事會 |
| 00:34:20,279 | 00:34:22,279 | 董事會十一點半才開 |
| 00:34:22,279 | 00:34:24,279 | 所以不是理由好不好 |
| 00:34:24,279 | 00:34:26,279 | 可以嗎張董問可以嗎 |
| 00:34:28,279 | 00:34:30,279 | 可以吧你去打一下 |
| 00:34:35,280 | 00:34:38,280 | 我已經講他請教理由我知道 |
| 00:34:38,280 | 00:34:41,280 | 就是參加董事會嘛現在沒有董事會 |
| 00:34:42,280 | 00:34:44,280 | 沒有董事會我們怎麼 |
| 00:34:45,280 | 00:34:46,280 | 你回去打電話 |
| 00:34:46,280 | 00:34:48,280 | 他可以說不來沒關係 |
| 00:34:48,280 | 00:34:50,280 | 就是再讓他拒絕一次 |
| 00:34:50,280 | 00:34:51,280 | 就這樣子好不好 |
| 00:34:51,280 | 00:34:54,280 | 這個我是提醒財政部和總部長 |
| 00:34:54,280 | 00:34:56,280 | 我知道你為難了 |
| 00:34:56,280 | 00:34:58,280 | 你一足一百億也不是你決定的 |
| 00:34:58,280 | 00:35:00,280 | 有更高層決定的 |
| 00:35:00,280 | 00:35:02,280 | 這裡面我很擔心 |
| 00:35:02,280 | 00:35:05,280 | 如果不推動公共病的話 |
| 00:35:05,280 | 00:35:10,280 | 就變成過去二次精改的翻版 |
| 00:35:10,280 | 00:35:13,280 | 就政府白白的授權 |
| 00:35:13,280 | 00:35:16,280 | 圖利特定的財團 |
| 00:35:16,280 | 00:35:18,280 | 這個帽子很大 |
| 00:35:18,280 | 00:35:22,280 | 這個是簡單跟各位討論的提供 |
| 00:35:22,280 | 00:35:24,280 | 跟各位做這樣的說明 |
| 00:35:24,280 | 00:35:27,280 | 我們希望除了兩個票金 |
| 00:35:27,280 | 00:35:29,280 | 除了兩個票金是不是跟張銀合併 |
| 00:35:29,280 | 00:35:32,280 | 或者跟其他金融區合併之外 |
| 00:35:32,280 | 00:35:34,280 | 其他有關公共病的題目 |
| 00:35:34,280 | 00:35:36,280 | 大家可以一起來談 |
| 00:35:36,280 | 00:35:40,280 | 我介紹今天出席的貴賓五位學者 |
| 00:35:40,280 | 00:35:43,280 | 首先要按照新聞順序 |
| 00:35:43,280 | 00:35:47,280 | 台北商業大學的黃啟瑞院長 |
| 00:35:50,280 | 00:35:54,280 | 第二位是中央大學財務金融系的 |
| 00:35:54,280 | 00:35:57,280 | 黃瑞卿教授 |
| 00:35:59,280 | 00:36:03,280 | 第三位是台北大學科技系的 |
| 00:36:03,280 | 00:36:07,280 | 王逸興教授 |
| 00:36:08,280 | 00:36:14,280 | 第四位是台銀工會的林理事長 |
| 00:36:15,280 | 00:36:19,280 | 第五位是銀銀銀行工會的 |
| 00:36:19,280 | 00:36:23,280 | 第六位是金融工會的陳理事長 |
| 00:36:25,280 | 00:36:29,280 | 第六位是全國金融業工業聯合總會的 |
| 00:36:29,280 | 00:36:31,280 | 鍾理事長 |
| 00:36:34,280 | 00:36:41,280 | 第七位是華人金控工會的王理事長 |
| 00:36:42,280 | 00:36:47,280 | 以及聯合聯合的機關代表 |
| 00:36:47,280 | 00:36:50,280 | 財政部的莊部長 |
| 00:36:51,280 | 00:36:55,280 | 以及國共署的陳署長 |
| 00:36:56,280 | 00:37:00,280 | 台銀金控的林董事長 |
| 00:37:03,280 | 00:37:06,280 | 施總經理 |
| 00:37:07,280 | 00:37:10,280 | 以及土銀的何董事長 |
| 00:37:11,280 | 00:37:14,280 | 以及張總經理 |
| 00:37:15,280 | 00:37:21,280 | 以及趙峰金控的董事長 |
| 00:37:23,280 | 00:37:25,280 | 張總經理 |
| 00:37:27,280 | 00:37:30,280 | 以及第一金控的邱董事長 |
| 00:37:31,280 | 00:37:33,280 | 方總經理 |
| 00:37:34,280 | 00:37:38,280 | 華南金控的陳董事長 |
| 00:37:40,280 | 00:37:43,280 | 林副董事長 |
| 00:37:44,280 | 00:37:48,280 | 華南金控的林副董事長我再次肯定 |
| 00:37:48,280 | 00:37:51,280 | 他是副董事長 |
| 00:37:51,280 | 00:37:53,280 | 按照財政部長講法 |
| 00:37:53,280 | 00:37:56,280 | 事實上他今天好像很有權利不要來 |
| 00:37:56,280 | 00:37:58,280 | 但是他今天尊重我們立法院 |
| 00:37:58,280 | 00:38:00,280 | 我可以肯定 |
| 00:38:00,280 | 00:38:03,280 | 希望以後歷史的請你來看一下 |
| 00:38:04,280 | 00:38:06,280 | 以後你的觀眾越來越大了 |
| 00:38:06,280 | 00:38:07,280 | 聲音越來越大 |
| 00:38:07,280 | 00:38:09,280 | 祝福 |
| 00:38:09,280 | 00:38:12,280 | 邱總經理 |
| 00:38:14,280 | 00:38:17,280 | 合作金庫的林董事長 |
| 00:38:19,280 | 00:38:21,280 | 蘇總經理 |
| 00:38:23,280 | 00:38:26,280 | 以及張愛銀行的胡董事長 |
| 00:38:27,280 | 00:38:30,280 | 簡總經理 |
| 00:38:31,280 | 00:38:34,280 | 以及周曉慶的李董事長 |
| 00:38:36,280 | 00:38:38,280 | 李總經理 |
| 00:38:40,280 | 00:38:43,280 | 蘇出路營養的戴主席 |
| 00:38:45,280 | 00:38:47,280 | 謝總經理 |
| 00:38:49,280 | 00:38:54,280 | 以及董事長 |
| 00:38:57,280 | 00:39:00,280 | 副董事長請假 |
| 00:39:00,280 | 00:39:01,280 | 讓我們聯絡 |
| 00:39:01,280 | 00:39:03,280 | 看他最後決定怎麼樣 |
| 00:39:03,280 | 00:39:05,280 | 吳總經理 |
| 00:39:05,280 | 00:39:07,280 | 吳總經理 |
| 00:39:09,280 | 00:39:12,280 | 還有金管會的彭主委 |
| 00:39:14,280 | 00:39:18,280 | 銀行局的局長 |
| 00:39:20,280 | 00:39:21,280 | 是統區長 |
| 00:39:21,280 | 00:39:24,280 | 以及公平交易委員會的專門委員 |
| 00:39:24,280 | 00:39:26,280 | 專門委員 邱專門委員 |
| 00:39:29,280 | 00:39:31,280 | 我們現在就 |
| 00:39:31,280 | 00:39:33,280 | 我們原則上 |
| 00:39:33,280 | 00:39:35,280 | 每位專家學者8分鐘 |
| 00:39:35,280 | 00:39:37,280 | 結束前1分鐘 |
| 00:39:37,280 | 00:39:39,280 | 按鈴提醒 |
| 00:39:40,280 | 00:39:43,280 | 依照專家學者的簽到順序發言 |
| 00:39:43,280 | 00:39:46,280 | 委員有需要可以到發言台來登記 |
| 00:39:46,280 | 00:39:49,280 | 我們會插進適度的位置 |
| 00:39:49,280 | 00:39:51,280 | 我們還有委員 |
| 00:39:52,280 | 00:39:55,280 | 劉淑斌委員 |
| 00:39:59,280 | 00:40:02,280 | 委員可以發言每1分鐘 |
| 00:40:02,280 | 00:40:04,280 | 全部發言以後請 |
| 00:40:04,280 | 00:40:07,280 | 我們今天請財政部跟金管會 |
| 00:40:07,280 | 00:40:10,280 | 就全責整體的回應 |
| 00:40:10,280 | 00:40:13,280 | 現在請第一位學者專家黃啟瑞 |
| 00:40:13,280 | 00:40:15,280 | 發表意見請 |
| 00:40:21,280 | 00:40:26,280 | 主席還有莊部長彭主委 |
| 00:40:26,280 | 00:40:29,280 | 各位董總 各位媒體先進 |
| 00:40:29,280 | 00:40:31,280 | 還有我們專家學者 |
| 00:40:31,280 | 00:40:33,280 | 大家好 大家早安 |
| 00:40:33,280 | 00:40:36,280 | 這個放暑假看到這麼多人 |
| 00:40:36,280 | 00:40:38,280 | 滿興奮 滿開心的這樣 |
| 00:40:38,280 | 00:40:40,280 | 那大家一起為這個 |
| 00:40:40,280 | 00:40:43,280 | 我們財政部泛公股金融機構 |
| 00:40:43,280 | 00:40:46,280 | 面對競爭的這個競爭環境 |
| 00:40:46,280 | 00:40:48,280 | 那研擬更好的這個合作 |
| 00:40:48,280 | 00:40:50,280 | 合作跟環境 |
| 00:40:50,280 | 00:40:52,280 | 研擬更好的這個合併 |
| 00:40:52,280 | 00:40:54,280 | 或者提升競爭力的方法 |
| 00:40:54,280 | 00:40:56,280 | 我覺得這個非常重要 |
| 00:40:56,280 | 00:40:58,280 | 那也是很好的場合 |
| 00:40:58,280 | 00:41:00,280 | 大家可以齊聚一堂 |
| 00:41:00,280 | 00:41:04,280 | 思考更好的這個作為跟方法 |
| 00:41:04,280 | 00:41:07,280 | 針對這邊提出來的三大議題 |
| 00:41:07,280 | 00:41:10,280 | 分別這邊做一個報告 |
| 00:41:10,280 | 00:41:14,280 | 那也誠如剛剛各位桌上的書面資料 |
| 00:41:14,280 | 00:41:17,280 | 那有2頁這邊做一個簡單的整理 |
| 00:41:17,280 | 00:41:19,280 | 那我就只有這裡面的內容 |
| 00:41:19,280 | 00:41:22,280 | 分別針對三大議題做一個簡單的報告 |
| 00:41:22,280 | 00:41:25,280 | 那首先當然提升競爭力 |
| 00:41:25,280 | 00:41:28,280 | 提升股東價值是非常重要的事情 |
| 00:41:28,280 | 00:41:30,280 | 特別在這幾年來 |
| 00:41:30,280 | 00:41:33,280 | 那不管在這個民營金控 |
| 00:41:33,280 | 00:41:36,280 | 透過併購成長快速的擴張 |
| 00:41:36,280 | 00:41:39,280 | 那加上最近的這個金融科技 |
| 00:41:39,280 | 00:41:41,280 | AI 財富管理跨境 |
| 00:41:41,280 | 00:41:44,280 | 國際金融市場競爭越來越激烈 |
| 00:41:44,280 | 00:41:46,280 | 那當然這個成長的方式非常多元 |
| 00:41:46,280 | 00:41:47,280 | 有很多種 |
| 00:41:47,280 | 00:41:49,280 | 那併購是其中一樣 |
| 00:41:49,280 | 00:41:50,280 | 那如果成功的話 |
| 00:41:50,280 | 00:41:52,280 | 可以有效的聚積資本 |
| 00:41:52,280 | 00:41:54,280 | 讓我們的收入更多元 |
| 00:41:54,280 | 00:41:56,280 | 那數位轉型國際競爭力 |
| 00:41:56,280 | 00:41:58,280 | 都有機會能夠提升 |
| 00:41:58,280 | 00:42:00,280 | 那不過我們從學理上 |
| 00:42:00,280 | 00:42:01,280 | 從理論上來看的話 |
| 00:42:01,280 | 00:42:03,280 | 那有兩個非常重要的前提 |
| 00:42:03,280 | 00:42:05,280 | 要能夠落實 |
| 00:42:05,280 | 00:42:08,280 | 才有機會發揮這些正面的效益 |
| 00:42:08,280 | 00:42:09,280 | 那當然第一大類型 |
| 00:42:09,280 | 00:42:10,280 | 第一個部分就是 |
| 00:42:10,280 | 00:42:14,280 | 要能夠創造收入方面的互補性跟忠孝 |
| 00:42:14,280 | 00:42:17,280 | 然後才能夠讓我們的這個純益收入 |
| 00:42:17,280 | 00:42:19,280 | 可以有效的提升 |
| 00:42:19,280 | 00:42:20,280 | 那第二部分 |
| 00:42:20,280 | 00:42:22,280 | 當然透過我們的這個併購 |
| 00:42:22,280 | 00:42:25,280 | 那併購的同時性的這個部分 |
| 00:42:25,280 | 00:42:28,280 | 有機會發揮規模經濟或範疇經濟 |
| 00:42:28,280 | 00:42:31,280 | 讓我們的這個經營成本可以下降 |
| 00:42:31,280 | 00:42:34,280 | 那接下來切入這個三個主題的部分 |
| 00:42:34,280 | 00:42:37,280 | 那第一個就是怎樣能夠增加 |
| 00:42:37,280 | 00:42:40,280 | 大家最關心的就是忠孝的部分 |
| 00:42:40,280 | 00:42:43,280 | 那經營效率可以1加1大於2大於3 |
| 00:42:43,280 | 00:42:44,280 | 那這部分 |
| 00:42:44,280 | 00:42:48,280 | 這部分當然在我們財務的健全性 |
| 00:42:48,280 | 00:42:50,280 | 業務的互補性 |
| 00:42:50,280 | 00:42:52,280 | 這部分要做一些評估 |
| 00:42:52,280 | 00:42:55,280 | 那有關在不管在資產管理 |
| 00:42:55,280 | 00:42:59,280 | 在信用卡在投信在資安在這個數據或後台 |
| 00:42:59,280 | 00:43:01,280 | 如果有沒有機會 |
| 00:43:01,280 | 00:43:02,280 | 剛剛講到的 |
| 00:43:02,280 | 00:43:06,280 | 除了收入方面的這個能夠互補性的 |
| 00:43:06,280 | 00:43:08,280 | 能夠找出來 |
| 00:43:08,280 | 00:43:09,280 | 那成本的部分 |
| 00:43:09,280 | 00:43:14,280 | 這些有沒有可以一起透過合併的來降低成本 |
| 00:43:14,280 | 00:43:18,280 | 那這個部分應該在可能在短期內 |
| 00:43:18,280 | 00:43:20,280 | 可能在一年到兩年的期間 |
| 00:43:20,280 | 00:43:23,280 | 可能要做一些比較深度的研究 |
| 00:43:23,280 | 00:43:26,280 | 那如果有這個可行性的話 |
| 00:43:26,280 | 00:43:29,280 | 接著針對客群產品通路 |
| 00:43:29,280 | 00:43:32,280 | 科技或海外互補的這些標的 |
| 00:43:32,280 | 00:43:34,280 | 那再來做評估 |
| 00:43:34,280 | 00:43:38,280 | 去拓展這個財富管理投資銀行或資產管理 |
| 00:43:38,280 | 00:43:40,280 | 國際化等等的 |
| 00:43:40,280 | 00:43:44,280 | 除了傳統的這個放款借貸的收入以外 |
| 00:43:44,280 | 00:43:49,280 | 可以增加更多的其他非利息收入的這些業務項目 |
| 00:43:49,280 | 00:43:53,280 | 那當然不只是看規模的這個水平橫向的擴大 |
| 00:43:53,280 | 00:43:56,280 | 那整併後到底能不能在各項的KPI |
| 00:43:56,280 | 00:43:58,280 | 在這個不管在ROE、ROA |
| 00:43:58,280 | 00:44:02,280 | 在收入在成本收入比非利息收入等等 |
| 00:44:02,280 | 00:44:05,280 | 這些還有我們這個資本健全性 |
| 00:44:05,280 | 00:44:07,280 | 跟資產的這個效率的部分 |
| 00:44:07,280 | 00:44:09,280 | 能夠一併的評估 |
| 00:44:09,280 | 00:44:11,280 | 那當然最後還有這個資訊系統 |
| 00:44:11,280 | 00:44:15,280 | 跟我們這個不同的金融機構 |
| 00:44:15,280 | 00:44:17,280 | 不同的文化再整合的部分 |
| 00:44:17,280 | 00:44:22,280 | 那這個產生的一些交易成本也要考慮進來 |
| 00:44:22,280 | 00:44:24,280 | 那第二部分 |
| 00:44:24,280 | 00:44:26,280 | 中校這個第一關 |
| 00:44:26,280 | 00:44:28,280 | 那第二關的部分當然就很重要的 |
| 00:44:28,280 | 00:44:30,280 | 我們員工權益的保障 |
| 00:44:30,280 | 00:44:35,280 | 讓我們員工的公會的這部分能夠參與 |
| 00:44:35,280 | 00:44:38,280 | 那相關的這個制度相關的規範 |
| 00:44:38,280 | 00:44:41,280 | 有些已經進入這個我們在 |
| 00:44:41,280 | 00:44:43,280 | 立院實施審查的這些法案 |
| 00:44:43,280 | 00:44:45,280 | 能夠有效率的進行 |
| 00:44:45,280 | 00:44:49,280 | 包括我們的這個員工的這個不確定性 |
| 00:44:49,280 | 00:44:52,280 | 組織的文化的衝突性等等的 |
| 00:44:52,280 | 00:44:55,280 | 那在我們的這個權益能夠在 |
| 00:44:55,280 | 00:44:57,280 | 獲到保障的前提下 |
| 00:44:57,280 | 00:44:59,280 | 包括我們的就業年資的保障 |
| 00:44:59,280 | 00:45:00,280 | 包括我們退休 |
| 00:45:00,280 | 00:45:03,280 | 還有這個薪資福利調動等等 |
| 00:45:03,280 | 00:45:05,280 | 這些是過渡性的安排 |
| 00:45:05,280 | 00:45:08,280 | 那當然還有包括我們人才的留任跟轉任 |
| 00:45:08,280 | 00:45:12,280 | 那特別是對這個IT資安風管財管 |
| 00:45:12,280 | 00:45:16,280 | 還有財外法尊的這些關鍵人才的留任機制 |
| 00:45:16,280 | 00:45:18,280 | 那另外就是如果有 |
| 00:45:18,280 | 00:45:21,280 | 因為節省下來的人力 |
| 00:45:21,280 | 00:45:23,280 | 那怎麼樣受過北訓再轉入 |
| 00:45:23,280 | 00:45:27,280 | 未來比較重要的成長關鍵領域 |
| 00:45:27,280 | 00:45:29,280 | 包括AI包括數位 |
| 00:45:29,280 | 00:45:30,280 | 我們重要的財管 |
| 00:45:30,280 | 00:45:33,280 | 像現在在金管會這個很有效率 |
| 00:45:33,280 | 00:45:35,280 | 在推動的這個亞資中心等等 |
| 00:45:35,280 | 00:45:36,280 | 還有永續金融 |
| 00:45:36,280 | 00:45:41,280 | 這個都需要滿這個高階的人力來做投入 |
| 00:45:41,280 | 00:45:43,280 | 那有關於第三個提綱的部分 |
| 00:45:43,280 | 00:45:48,280 | 怎麼樣保障我們少數股東跟公股的資產 |
| 00:45:48,280 | 00:45:50,280 | 那這個部分 |
| 00:45:50,280 | 00:45:52,280 | 不管是在交易價格 |
| 00:45:52,280 | 00:45:54,280 | 換股比 忠孝等等的 |
| 00:45:54,280 | 00:45:58,280 | 這些當然也要符合公平專業管理 |
| 00:45:58,280 | 00:46:01,280 | 還有這個股東權益保障的這些原則 |
| 00:46:01,280 | 00:46:03,280 | 那多元去評估 |
| 00:46:03,280 | 00:46:04,280 | 那公平性這部分 |
| 00:46:04,280 | 00:46:07,280 | 公平這個有沒有超過 |
| 00:46:07,280 | 00:46:08,280 | 就是公平交易法 |
| 00:46:08,280 | 00:46:12,280 | 公平交易法的這個獨佔的這個部分 |
| 00:46:12,280 | 00:46:14,280 | 當然也是要去評估的 |
| 00:46:14,280 | 00:46:16,280 | 那所以簡單我們這邊做個整理 |
| 00:46:16,280 | 00:46:18,280 | 就是在忠孝的部分 |
| 00:46:18,280 | 00:46:19,280 | 在員工權益的部分 |
| 00:46:19,280 | 00:46:21,280 | 少數股東的保障 |
| 00:46:21,280 | 00:46:23,280 | 然後還有最後金融穩定性 |
| 00:46:23,280 | 00:46:25,280 | 金融韌性的這個部分 |
| 00:46:25,280 | 00:46:27,280 | 也要能夠經得起考驗 |
| 00:46:27,280 | 00:46:31,280 | 那特別是在不同的這個金融機構的整併的過程 |
| 00:46:31,280 | 00:46:33,280 | 那資訊系統的轉換 |
| 00:46:33,280 | 00:46:34,280 | 能不能順利 |
| 00:46:34,280 | 00:46:37,280 | 不要在資安的部分 |
| 00:46:37,280 | 00:46:41,280 | 或是營運的部分的風險能夠管控在一定的程度 |
| 00:46:41,280 | 00:46:46,280 | 那當然這些都需要非常多的這個分析跟評估 |
| 00:46:46,280 | 00:46:52,280 | 那這個也需要花費很多的這個精力來做規劃 |
| 00:46:52,280 | 00:46:53,280 | 那最後當然 |
| 00:46:53,280 | 00:46:56,280 | 在我們再講到這些事情 |
| 00:46:56,280 | 00:46:59,280 | 能夠順利能夠做好一定的評估的話 |
| 00:46:59,280 | 00:47:04,280 | 那併購當然是一個我們公股或是公股或泛公股 |
| 00:47:04,280 | 00:47:07,280 | 在成長非常重要的一個途徑跟路徑 |
| 00:47:07,280 | 00:47:12,280 | 那最後當然在提升我們這個公股的競爭力的同時 |
| 00:47:12,280 | 00:47:16,280 | 最後我想用一個我們在學校裡頭觀察到了一個趨勢 |
| 00:47:16,280 | 00:47:18,280 | 做一個簡單的分享 |
| 00:47:18,280 | 00:47:20,280 | 那當然我們剛剛談到這麼多 |
| 00:47:20,280 | 00:47:23,280 | 那金融機構要獲利不只在民股 |
| 00:47:23,280 | 00:47:26,280 | 這個這個民營也一樣 |
| 00:47:26,280 | 00:47:29,280 | 那這個要經營這些人才是最重要的 |
| 00:47:29,280 | 00:47:31,280 | 那人才制度薪資結構 |
| 00:47:31,280 | 00:47:34,280 | 那這部分可能要做一個比較徹底的評估 |
| 00:47:34,280 | 00:47:36,280 | 以上謝謝各位謝謝 |
| 00:47:38,280 | 00:47:41,280 | 謝謝黃院長的說明 |
| 00:47:41,280 | 00:47:46,280 | 現在請中央大學財經系的黃瑞欣教授請 |
| 00:47:53,280 | 00:47:55,280 | 好主席 |
| 00:47:55,280 | 00:47:57,280 | 各位先進大家好 |
| 00:47:57,280 | 00:48:00,280 | 我是中央大學財經系的主任黃瑞欣 |
| 00:48:00,280 | 00:48:03,280 | 那今天非常榮幸可以在這邊跟大家分享一下 |
| 00:48:03,280 | 00:48:07,280 | 那我對於這個M&A相關的這個了解 |
| 00:48:07,280 | 00:48:13,280 | 那今天因為有很多的這個學者專家 |
| 00:48:13,280 | 00:48:14,280 | 那時間也很有限 |
| 00:48:14,280 | 00:48:17,280 | 所以呢今天呢這個三個學者專家 |
| 00:48:17,280 | 00:48:19,280 | 我們會做一個分享 |
| 00:48:19,280 | 00:48:21,280 | 那時間也很有限 |
| 00:48:21,280 | 00:48:25,280 | 所以呢今天呢這個三個主要大的議題裡面 |
| 00:48:25,280 | 00:48:29,280 | 我想我就依照第一項的這個議題來跟大家分享 |
| 00:48:29,280 | 00:48:30,280 | 跟大家報告 |
| 00:48:30,280 | 00:48:33,280 | 也就是說怎麼樣透過詬病的程序來強化 |
| 00:48:33,280 | 00:48:36,280 | 泛公股金融機構的競爭力 |
| 00:48:36,280 | 00:48:40,280 | 那我想大家都同意我們現在的這個金融機構 |
| 00:48:40,280 | 00:48:43,280 | 面臨到非常嚴峻的挑戰 |
| 00:48:43,280 | 00:48:46,280 | 那第一個挑戰我想就是規模經濟的問題 |
| 00:48:46,280 | 00:48:50,280 | 我們也看到民營股的銀行或者是金融機構 |
| 00:48:50,280 | 00:48:54,280 | 他們在最近幾年進行大幅的這個大動作的這個整並 |
| 00:48:54,280 | 00:48:59,280 | 那關股銀行是不是可以透過這個我們的規模 |
| 00:48:59,280 | 00:49:02,280 | 然後來獲得更好的競爭力 |
| 00:49:02,280 | 00:49:05,280 | 那這個規模經濟呢在學界裡面都認為說 |
| 00:49:05,280 | 00:49:09,280 | 這個是在金融機構裡面非常重要的一個競爭力的來源 |
| 00:49:09,280 | 00:49:12,280 | 所以我想這個關股呢 |
| 00:49:12,280 | 00:49:15,280 | 是不是能夠擴大規模這是很重要的 |
| 00:49:15,280 | 00:49:18,280 | 第二個是有關於數位轉型的部分 |
| 00:49:18,280 | 00:49:21,280 | 那現在全世界都在做Fintech |
| 00:49:21,280 | 00:49:25,280 | 或者是AI或是資安相關的這個議題 |
| 00:49:25,280 | 00:49:28,280 | 那關股呢這個部分也不能夠落後 |
| 00:49:28,280 | 00:49:31,280 | 第三個就是全球的佈局 |
| 00:49:31,280 | 00:49:33,280 | 那這個部分我們不用多說 |
| 00:49:33,280 | 00:49:37,280 | 就是怎麼樣來提升跨境的金融的這個服務的能力 |
| 00:49:37,280 | 00:49:39,280 | 還有最後就是範疇經濟 |
| 00:49:39,280 | 00:49:44,280 | 也就是我們在對於這個這個財富管理的部分 |
| 00:49:44,280 | 00:49:47,280 | 我們怎麼樣來進行強化 |
| 00:49:47,280 | 00:49:50,280 | 那可是從我們這裡看得出來是說 |
| 00:49:50,280 | 00:49:55,280 | 我們關股想要來最重要的挑戰是要來提升競爭力 |
| 00:49:55,280 | 00:49:58,280 | 合併呢應該是我們的手段是一個工具 |
| 00:49:58,280 | 00:50:00,280 | 那它不是唯一的工具 |
| 00:50:00,280 | 00:50:04,280 | 但是它是一個蠻不錯的我們可以思考的工具 |
| 00:50:04,280 | 00:50:08,280 | 那第二件事情我們想要看的事情是說 |
| 00:50:08,280 | 00:50:10,280 | 那這個整併呢我們應該 |
| 00:50:10,280 | 00:50:12,280 | 我們不應該問是說要還是不要 |
| 00:50:12,280 | 00:50:14,280 | 而是應該先問值不值得 |
| 00:50:14,280 | 00:50:18,280 | 譬如說它是不是能夠提升我們的最重要的目標 |
| 00:50:18,280 | 00:50:20,280 | 就是提升關股的競爭力 |
| 00:50:20,280 | 00:50:23,280 | 再來關股呢還有第二件事情非常的重要 |
| 00:50:23,280 | 00:50:28,280 | 因為我們有廣大的納稅的這個納稅人民在我們的背後 |
| 00:50:28,280 | 00:50:32,280 | 所以呢是否能夠提升納稅義務人的利益 |
| 00:50:32,280 | 00:50:34,280 | 這個是我們需要來考慮的 |
| 00:50:34,280 | 00:50:38,280 | 第三個當然我們還有我們背後的這個股東 |
| 00:50:38,280 | 00:50:41,280 | 因為很多的關股其實都是上市公司 |
| 00:50:41,280 | 00:50:43,280 | 上市公司要對我們的股東負責 |
| 00:50:43,280 | 00:50:48,280 | 最後一件事情就是這個詬病是不是具有可執行性 |
| 00:50:48,280 | 00:50:52,280 | 這個是在詬病是否能夠成功一個很重要的因素 |
| 00:50:52,280 | 00:50:55,280 | 所以我個人認為是說這四件條件呢 |
| 00:50:55,280 | 00:50:57,280 | 如果沒有辦法同時成立的時候 |
| 00:50:57,280 | 00:50:59,280 | 我們可以審慎的評估 |
| 00:50:59,280 | 00:51:03,280 | 那關股在詬病的時候有沒有什麼重要的原則呢 |
| 00:51:03,280 | 00:51:07,280 | 我個人覺得可能有五項的原則可以參考一下 |
| 00:51:07,280 | 00:51:10,280 | 第一個呢我們可以用策略來互補 |
| 00:51:10,280 | 00:51:13,280 | 不是說大的公司要併小的公司 |
| 00:51:13,280 | 00:51:15,280 | 而是我們在策略發展上面 |
| 00:51:15,280 | 00:51:19,280 | 我們怎麼樣來讓我們的競爭力彼此的提升 |
| 00:51:19,280 | 00:51:22,280 | 第二個呢所有的詬病案其實都應該尊重專業 |
| 00:51:22,280 | 00:51:25,280 | 因為M&A是一個非常專業的問題 |
| 00:51:25,280 | 00:51:28,280 | 所以呢它的成本效益分析要做好 |
| 00:51:28,280 | 00:51:31,280 | 第三個呢就是不應該為因為 |
| 00:51:31,280 | 00:51:34,280 | 我們要做M&A來犧牲公司治理 |
| 00:51:34,280 | 00:51:39,280 | 公司治理是公司營運永續下去最重要的一個重要的因素 |
| 00:51:39,280 | 00:51:45,280 | 第四個呢就是我們需要兼顧員工小股東跟納稅人的權益 |
| 00:51:45,280 | 00:51:51,280 | 最後一個很重要就是要能夠建立透明的決策的程序 |
| 00:51:52,280 | 00:51:55,280 | 那這個詬病的評估制度裡面呢 |
| 00:51:55,280 | 00:51:58,280 | 我想這個是很標準的就是我們要建立目標 |
| 00:51:58,280 | 00:52:00,280 | 進行這個成本效益的分析 |
| 00:52:00,280 | 00:52:02,280 | 然後呢公司治理的評估 |
| 00:52:02,280 | 00:52:06,280 | 還有剛剛黃院長提到的這個公平競爭的問題 |
| 00:52:06,280 | 00:52:13,280 | 我們會不會因為M&A之後使得市場的這個競爭性受到扭曲 |
| 00:52:13,280 | 00:52:15,280 | 還有呢就是社會成本的分析 |
| 00:52:15,280 | 00:52:18,280 | 再來決定是否要進行整病 |
| 00:52:18,280 | 00:52:20,280 | 那既然是學者專家 |
| 00:52:20,280 | 00:52:22,280 | 所以我想我整理了一個文獻 |
| 00:52:22,280 | 00:52:28,280 | 那這個文獻呢是刊登在一個國際上面非常好的財務的期刊 |
| 00:52:28,280 | 00:52:34,280 | 這個文章裡面它整理了超過150篇的國際上面的論文 |
| 00:52:34,280 | 00:52:39,280 | 然後它來整理說那個病會成功還是失敗的主要的原因有哪一些 |
| 00:52:39,280 | 00:52:42,280 | 那發現有三點是非常重要的成功的因素 |
| 00:52:42,280 | 00:52:45,280 | 第一個就是公司治理 |
| 00:52:45,280 | 00:52:49,280 | 那公司治理裡面包含就是股東的監督的能力 |
| 00:52:49,280 | 00:52:52,280 | 像光谷裡面我們的財政部的監督能力 |
| 00:52:52,280 | 00:52:57,280 | 還有就是各位董總我們所設立的這個董事會 |
| 00:52:57,280 | 00:52:59,280 | 它的制度是否健全 |
| 00:52:59,280 | 00:53:01,280 | 那當然CEO也很重要 |
| 00:53:01,280 | 00:53:03,280 | 那我們的CEO是不是overconfident |
| 00:53:03,280 | 00:53:07,280 | 或者是它的風險態度也會影響到這個部分 |
| 00:53:07,280 | 00:53:09,280 | 第二個是策略的配置性 |
| 00:53:09,280 | 00:53:13,280 | 譬如說整個發展策略是否具有相容性 |
| 00:53:13,280 | 00:53:15,280 | 還有企業的文化 |
| 00:53:15,280 | 00:53:18,280 | 所以像公民病的話我們需要考慮 |
| 00:53:18,280 | 00:53:23,280 | 因為我們的公股銀行跟民營銀行或者是說金融機構 |
| 00:53:23,280 | 00:53:25,280 | 它的企業文化有比較大的差異性 |
| 00:53:25,280 | 00:53:27,280 | 所以需要審慎的評估 |
| 00:53:27,280 | 00:53:29,280 | 第三個就是整合能力 |
| 00:53:29,280 | 00:53:32,280 | 所以像我們提到的IT的整合能力 |
| 00:53:32,280 | 00:53:36,280 | 像一個詬病是否能夠有快速的完成 |
| 00:53:36,280 | 00:53:38,280 | IT非常重要 |
| 00:53:38,280 | 00:53:40,280 | 還有人才的整合 |
| 00:53:40,280 | 00:53:42,280 | 也就是薪資制度的一個整合 |
| 00:53:42,280 | 00:53:45,280 | 我想這個是相當重要的問題 |
| 00:53:45,280 | 00:53:48,280 | 那另外一個論文他有提到是說 |
| 00:53:48,280 | 00:53:52,280 | 這個金融的整病它的真正的縱效是來自於revenue的synergy |
| 00:53:52,280 | 00:53:54,280 | 也就是說整個的收益的擴展 |
| 00:53:54,280 | 00:53:58,280 | 那成本的下降可能並不是一個主要的synergy |
| 00:53:58,280 | 00:54:00,280 | 那為什麼會失敗呢 |
| 00:54:00,280 | 00:54:03,280 | 那學者專家也整理了兩個重要的原因 |
| 00:54:03,280 | 00:54:05,280 | 一個就是連續的詬病 |
| 00:54:05,280 | 00:54:09,280 | 那連續的詬病會造成管理資源的被分散 |
| 00:54:09,280 | 00:54:14,280 | 然後沒有辦法從第一次或是前一次的交易獲得我們的經驗 |
| 00:54:14,280 | 00:54:16,280 | 所以整合能力會下降 |
| 00:54:16,280 | 00:54:19,280 | 那現在我們曉得說公股正在進行 |
| 00:54:19,280 | 00:54:22,280 | 我們在討論這個有一部分的整病的問題 |
| 00:54:22,280 | 00:54:23,280 | 四合一的問題 |
| 00:54:23,280 | 00:54:26,280 | 那是不是要在這個時間點來啟動 |
| 00:54:26,280 | 00:54:30,280 | 在這個時間點來啟動下一次的M&A是需要考慮的 |
| 00:54:30,280 | 00:54:33,280 | 我們或許可以等到這個未來 |
| 00:54:33,280 | 00:54:37,280 | 在這一次的M&A的經驗得到好的結果之後 |
| 00:54:37,280 | 00:54:40,280 | 再來想下一次的這個詬病的情況 |
| 00:54:40,280 | 00:54:43,280 | 第二個是非核心業務的整病 |
| 00:54:43,280 | 00:54:45,280 | 非核心業務指的是說每一個 |
| 00:54:45,280 | 00:54:47,280 | 其實像在座的每一個官股 |
| 00:54:47,280 | 00:54:50,280 | 都有自己的核心的競爭能力 |
| 00:54:50,280 | 00:54:51,280 | 那這個核心的競爭能力呢 |
| 00:54:51,280 | 00:54:54,280 | 是否我們需要讓每一個公股的這個 |
| 00:54:54,280 | 00:54:56,280 | 我們的這個金控 |
| 00:54:56,280 | 00:54:58,280 | 每一個子公司都有嗎 |
| 00:54:58,280 | 00:55:00,280 | 每一個方選都需要有嗎 |
| 00:55:00,280 | 00:55:01,280 | 其實是不一定的 |
| 00:55:01,280 | 00:55:03,280 | 因為在非核心的業務的整病 |
| 00:55:03,280 | 00:55:06,280 | 如果有他其實是有困難的 |
| 00:55:06,280 | 00:55:08,280 | 就是說整病的困難 |
| 00:55:08,280 | 00:55:10,280 | 那所以最後呢 |
| 00:55:10,280 | 00:55:12,280 | 再回應到我們這個問題 |
| 00:55:12,280 | 00:55:14,280 | 怎麼樣透過這個詬病的程序來強化 |
| 00:55:14,280 | 00:55:17,280 | 這個金融公股的金融機構的競爭能力 |
| 00:55:17,280 | 00:55:18,280 | 大概有三點 |
| 00:55:18,280 | 00:55:20,280 | 第一個應該是要先健全 |
| 00:55:20,280 | 00:55:22,280 | 各個公司的公司治理的能力 |
| 00:55:24,280 | 00:55:27,280 | 這個是重要的 |
| 00:55:27,280 | 00:55:30,280 | 第二個是提升資訊的整合能力 |
| 00:55:30,280 | 00:55:31,280 | 我們現在就可以做 |
| 00:55:31,280 | 00:55:34,280 | 在透過一個這個共同的平台 |
| 00:55:34,280 | 00:55:36,280 | 來進行資訊的整合 |
| 00:55:36,280 | 00:55:39,280 | 來提升未來可能M&A的成功的機率 |
| 00:55:39,280 | 00:55:42,280 | 第三個就是要避免平凡的詬病 |
| 00:55:42,280 | 00:55:44,280 | 所以我們應該要做的是 |
| 00:55:44,280 | 00:55:46,280 | 這樣的話 |
| 00:55:46,280 | 00:55:47,280 | 這樣子的話 |
| 00:55:47,280 | 00:55:49,280 | 我們的未來這個M&A的 |
| 00:55:49,280 | 00:55:52,280 | 我們的這個光股的競爭力才可以提升 |
| 00:55:52,280 | 00:55:55,280 | 最後還是要非常感謝這個大會的邀請 |
| 00:55:55,280 | 00:55:57,280 | 讓我這邊可以跟大家報告我的心得 |
| 00:55:57,280 | 00:55:59,280 | 那以上謝謝大家 |
| 00:56:01,280 | 00:56:06,280 | 謝謝黃主任黃教授的發言 |
| 00:56:06,280 | 00:56:10,280 | 下一位請特別關心系的王怡心教授 |
| 00:56:10,280 | 00:56:12,280 | 王怡心教授請 |
| 00:56:16,280 | 00:56:18,280 | 今天大會的主席賴委員 |
| 00:56:18,280 | 00:56:20,280 | 還有我們立法委員劉委員 |
| 00:56:20,280 | 00:56:22,280 | 然後財政部莊部長 |
| 00:56:22,280 | 00:56:24,280 | 經委會彭主委 |
| 00:56:24,280 | 00:56:26,280 | 還有各位長官 |
| 00:56:26,280 | 00:56:28,280 | 還有我們今天這麼多金控的董事長 |
| 00:56:28,280 | 00:56:30,280 | 跟總經理學者專家 |
| 00:56:30,280 | 00:56:33,280 | 媒體先生小姐大家早安大家好 |
| 00:56:33,280 | 00:56:36,280 | 那我想在這個黃院長 |
| 00:56:36,280 | 00:56:38,280 | 跟黃主任的發言 |
| 00:56:38,280 | 00:56:40,280 | 還有我們今天這麼多的經理 |
| 00:56:40,280 | 00:56:42,280 | 還有我們今天這麼多的經理 |
| 00:56:42,280 | 00:56:44,280 | 還有我們今天這麼多的經理 |
| 00:56:44,280 | 00:56:46,280 | 那在這個黃院長跟黃主任之後 |
| 00:56:46,280 | 00:56:48,280 | 發言其實也蠻緊張的 |
| 00:56:48,280 | 00:56:50,280 | 因為他們該講都講了 |
| 00:56:50,280 | 00:56:52,280 | 那我就從三個 |
| 00:56:52,280 | 00:56:53,280 | 因為三題嘛 |
| 00:56:53,280 | 00:56:55,280 | 我就從三個重點來報告 |
| 00:56:56,280 | 00:56:58,280 | 那我想第一個等於說 |
| 00:56:58,280 | 00:57:00,280 | 我會從這個經營績效 |
| 00:57:00,280 | 00:57:02,280 | 跟這個併購策略 |
| 00:57:02,280 | 00:57:04,280 | 這是我要談的第一論述 |
| 00:57:04,280 | 00:57:06,280 | 然後第二論述我要談的是 |
| 00:57:06,280 | 00:57:08,280 | 勞工權益跟原本治理 |
| 00:57:08,280 | 00:57:10,280 | 那第三我要談的論述是 |
| 00:57:10,280 | 00:57:12,280 | 資產價值跟股東權益 |
| 00:57:12,280 | 00:57:14,280 | 那首先我先談這個 |
| 00:57:14,280 | 00:57:17,280 | 經營績效跟併購的這個策略 |
| 00:57:17,280 | 00:57:20,280 | 基本上這個我個人的立場 |
| 00:57:20,280 | 00:57:23,280 | 在今天參加這場公聽會 |
| 00:57:23,280 | 00:57:26,280 | 我的立場是支持公共病 |
| 00:57:26,280 | 00:57:28,280 | 那我想這跟今天主席 |
| 00:57:28,280 | 00:57:30,280 | 開始的定的調也是相同的 |
| 00:57:30,280 | 00:57:32,280 | 那為什麼因為我自己 |
| 00:57:32,280 | 00:57:34,280 | 在第一金代表財政部 |
| 00:57:34,280 | 00:57:36,280 | 當官股董事 |
| 00:57:36,280 | 00:57:38,280 | 也歷經了六任的董事長 |
| 00:57:38,280 | 00:57:40,280 | 所以對這個公聽會 |
| 00:57:40,280 | 00:57:42,280 | 所以在這個官股推動的時候 |
| 00:57:42,280 | 00:57:44,280 | 那在這個經營策略上 |
| 00:57:44,280 | 00:57:46,280 | 其實我建議說可以從這個 |
| 00:57:46,280 | 00:57:48,280 | 功能性的整併開始 |
| 00:57:48,280 | 00:57:51,280 | 那譬如說報章雜誌講了很多 |
| 00:57:51,280 | 00:57:53,280 | 可以從這個創投啦 |
| 00:57:53,280 | 00:57:55,280 | 或是從投信啊 |
| 00:57:55,280 | 00:57:57,280 | 這種各個這個官股裡面 |
| 00:57:57,280 | 00:58:00,280 | 這個金控比較小的這個子公司 |
| 00:58:00,280 | 00:58:02,280 | 先看功能性能不能整併 |
| 00:58:02,280 | 00:58:04,280 | 那我現在就先談到 |
| 00:58:04,280 | 00:58:06,280 | 這個經營策略 |
| 00:58:06,280 | 00:58:08,280 | 那我先談到 |
| 00:58:08,280 | 00:58:10,280 | 先看功能性能不能整併 |
| 00:58:10,280 | 00:58:12,280 | 尤其可以從後勤的 |
| 00:58:12,280 | 00:58:14,280 | 這些資訊系統 |
| 00:58:14,280 | 00:58:16,280 | 跟這財務上就是 |
| 00:58:16,280 | 00:58:18,280 | 人事上的訓練先開始整併 |
| 00:58:18,280 | 00:58:20,280 | 那大家融合以後 |
| 00:58:20,280 | 00:58:22,280 | 再去走大的 |
| 00:58:22,280 | 00:58:24,280 | 那再來就是說 |
| 00:58:24,280 | 00:58:26,280 | 因為整併談到資產的這個 |
| 00:58:26,280 | 00:58:28,280 | 這個公允價值 |
| 00:58:28,280 | 00:58:30,280 | 所以呢其實過去 |
| 00:58:30,280 | 00:58:32,280 | 不管是什麼樣的病 |
| 00:58:32,280 | 00:58:34,280 | 所以公司病都很多詬病 |
| 00:58:34,280 | 00:58:36,280 | 就是說這個 |
| 00:58:36,280 | 00:58:38,280 | 私是以小吃大 |
| 00:58:38,280 | 00:58:40,280 | 明明看這個私的這個企業這麼小 |
| 00:58:40,280 | 00:58:42,280 | 我工的這麼大 |
| 00:58:42,280 | 00:58:44,280 | 為什麼還被他病呢 |
| 00:58:44,280 | 00:58:46,280 | 重點在私人企業 |
| 00:58:46,280 | 00:58:48,280 | 他已經用公允價值 |
| 00:58:48,280 | 00:58:50,280 | 現在價值評價過 |
| 00:58:50,280 | 00:58:52,280 | 那公家都是用歷史成本 |
| 00:58:52,280 | 00:58:54,280 | 所以公家怎麼算都會 |
| 00:58:54,280 | 00:58:56,280 | 低於這個限值 |
| 00:58:56,280 | 00:58:58,280 | 因為你十年前的一塊錢 |
| 00:58:58,280 | 00:59:00,280 | 跟今天是不一樣的 |
| 00:59:00,280 | 00:59:02,280 | 所以這我知道支持就是說 |
| 00:59:02,280 | 00:59:04,280 | 請大家支持我們快援基金會的 |
| 00:59:04,280 | 00:59:06,280 | 公允價值他們評價準則 |
| 00:59:06,280 | 00:59:08,280 | 把它做好 |
| 00:59:08,280 | 00:59:10,280 | 那再來就是我們要 |
| 00:59:10,280 | 00:59:12,280 | 防止這個資產賤賣 |
| 00:59:12,280 | 00:59:14,280 | 這個是很重要因為如果公允價值 |
| 00:59:14,280 | 00:59:16,280 | 透明那我覺得這樣子 |
| 00:59:16,280 | 00:59:18,280 | 併購策略就有一些基礎 |
| 00:59:18,280 | 00:59:20,280 | 那因為員工 |
| 00:59:20,280 | 00:59:22,280 | 主管 |
| 00:59:22,280 | 00:59:24,280 | 都是公司的資產 |
| 00:59:24,280 | 00:59:26,280 | 所以我第二個論述是 |
| 00:59:26,280 | 00:59:28,280 | 勞工的權益跟原本的治理 |
| 00:59:28,280 | 00:59:30,280 | 所以呢我們要有制度化的 |
| 00:59:30,280 | 00:59:32,280 | 這個安置 |
| 00:59:32,280 | 00:59:34,280 | 透明的永續揭露 |
| 00:59:34,280 | 00:59:36,280 | 那首先我們等於說 |
| 00:59:36,280 | 00:59:38,280 | 針對 |
| 00:59:38,280 | 00:59:40,280 | 我們勞工的工作權 |
| 00:59:40,280 | 00:59:42,280 | 我們要先盤點 |
| 00:59:42,280 | 00:59:44,280 | 我們到底有多少人才 |
| 00:59:44,280 | 00:59:46,280 | 然後再盤點哪些人想 |
| 00:59:46,280 | 00:59:48,280 | 這個優退 |
| 00:59:48,280 | 00:59:50,280 | 那哪些人要留任 |
| 00:59:50,280 | 00:59:52,280 | 那把這些優退的怎麼把它辦好 |
| 00:59:52,280 | 00:59:54,280 | 那留任怎麼讓留任 |
| 00:59:54,280 | 00:59:56,280 | 那再來就是說 |
| 00:59:56,280 | 00:59:58,280 | 我們針對這個新的 |
| 00:59:58,280 | 01:00:00,280 | 組織以後 |
| 01:00:00,280 | 01:00:02,280 | 我們董事會是不是能設一席 |
| 01:00:02,280 | 01:00:04,280 | 勞工董事 |
| 01:00:04,280 | 01:00:06,280 | 讓他也代表勞工 |
| 01:00:06,280 | 01:00:08,280 | 來表達他的意見 |
| 01:00:08,280 | 01:00:10,280 | 同時呢我們因為 |
| 01:00:10,280 | 01:00:12,280 | 要併就是要有競爭力 |
| 01:00:12,280 | 01:00:14,280 | 尤其在這個AI數位 |
| 01:00:14,280 | 01:00:16,280 | 金融時代真是需要 |
| 01:00:16,280 | 01:00:18,280 | 一些優秀人才 |
| 01:00:18,280 | 01:00:20,280 | 那優秀人才沒有給他好的條件 |
| 01:00:20,280 | 01:00:22,280 | 是不可能的 |
| 01:00:22,280 | 01:00:24,280 | 所以在薪資上也不要設那種 |
| 01:00:24,280 | 01:00:26,280 | 很奇怪的天花板 |
| 01:00:26,280 | 01:00:28,280 | 要符合國際市場行情 |
| 01:00:28,280 | 01:00:30,280 | 的薪水 |
| 01:00:30,280 | 01:00:32,280 | 他只要辦得到 |
| 01:00:32,280 | 01:00:34,280 | 那你就要給他合理待遇 |
| 01:00:34,280 | 01:00:36,280 | 天平兩邊秤才會永續 |
| 01:00:36,280 | 01:00:38,280 | 那第三個也就是 |
| 01:00:38,280 | 01:00:40,280 | 從今年叫做 |
| 01:00:40,280 | 01:00:42,280 | 永續元年 |
| 01:00:42,280 | 01:00:44,280 | 所以這個資本額100以上公司 |
| 01:00:44,280 | 01:00:46,280 | 明年三月份年報 |
| 01:00:46,280 | 01:00:48,280 | 就永續專章 |
| 01:00:48,280 | 01:00:50,280 | 我想彭主委在這邊非常熟 |
| 01:00:50,280 | 01:00:52,280 | 這部分 |
| 01:00:52,280 | 01:00:54,280 | 所以我們今天金控幾乎都是 |
| 01:00:54,280 | 01:00:56,280 | 第一階的公司 |
| 01:00:56,280 | 01:00:58,280 | 所以我們永續專章上就要揭露 |
| 01:00:58,280 | 01:01:00,280 | 你的這些併購策略 |
| 01:01:00,280 | 01:01:02,280 | 你怎麼善待你的員工 |
| 01:01:02,280 | 01:01:04,280 | 你怎麼未來的部分 |
| 01:01:04,280 | 01:01:06,280 | 你今年寫明年的 |
| 01:01:06,280 | 01:01:08,280 | 那到明年我們就看你有沒有在做 |
| 01:01:08,280 | 01:01:10,280 | 所以永續的這條路上 |
| 01:01:10,280 | 01:01:12,280 | 是大家要把話說清楚 |
| 01:01:12,280 | 01:01:14,280 | 講明白落實來做 |
| 01:01:14,280 | 01:01:16,280 | 所以我們倡議的是 |
| 01:01:16,280 | 01:01:18,280 | 永續行動化跟永續財務化 |
| 01:01:18,280 | 01:01:20,280 | 第三個論述 |
| 01:01:20,280 | 01:01:22,280 | 我要談的是 |
| 01:01:22,280 | 01:01:24,280 | 資產價值跟股東權益 |
| 01:01:24,280 | 01:01:26,280 | 因為我前面就說 |
| 01:01:26,280 | 01:01:28,280 | 我們的資產要經過 |
| 01:01:28,280 | 01:01:30,280 | 公允價值的一個評論 |
| 01:01:30,280 | 01:01:32,280 | 符合市場的需求 |
| 01:01:32,280 | 01:01:34,280 | 所以我們在 |
| 01:01:34,280 | 01:01:36,280 | 不動產部分 |
| 01:01:36,280 | 01:01:38,280 | 要把市值算清楚 |
| 01:01:38,280 | 01:01:40,280 | 現在有AI的時代 |
| 01:01:40,280 | 01:01:42,280 | 而且資訊比較透明是比較容易的 |
| 01:01:42,280 | 01:01:44,280 | 不像早期這麼不容易 |
| 01:01:44,280 | 01:01:46,280 | 而且現在評價的準則 |
| 01:01:46,280 | 01:01:48,280 | 不管是有形資產 |
| 01:01:48,280 | 01:01:50,280 | 無形資產 |
| 01:01:50,280 | 01:01:52,280 | 都有很好的基礎可以來算 |
| 01:01:52,280 | 01:01:54,280 | 再來等於說 |
| 01:01:54,280 | 01:01:56,280 | 我們對股東 |
| 01:01:56,280 | 01:01:58,280 | 也要公平對待 |
| 01:01:58,280 | 01:02:00,280 | 我們要算是股東權益 |
| 01:02:00,280 | 01:02:02,280 | 比例要很清楚 |
| 01:02:02,280 | 01:02:04,280 | 我們可以聘請會計師 |
| 01:02:04,280 | 01:02:06,280 | 依據審計 |
| 01:02:06,280 | 01:02:08,280 | 確診準則 |
| 01:02:08,280 | 01:02:10,280 | 來做合理的查核 |
| 01:02:10,280 | 01:02:12,280 | 再來就是說 |
| 01:02:12,280 | 01:02:14,280 | 我們等於勞資雙方的溝通 |
| 01:02:14,280 | 01:02:16,280 | 大家保持暢通的溝通 |
| 01:02:16,280 | 01:02:18,280 | 才能永續 |
| 01:02:18,280 | 01:02:20,280 | 所以再次強調 |
| 01:02:20,280 | 01:02:22,280 | 我們要保持公公病 |
| 01:02:22,280 | 01:02:24,280 | 但是要有好的併供策略 |
| 01:02:24,280 | 01:02:26,280 | 要善待員工 |
| 01:02:26,280 | 01:02:28,280 | 有好的安排 |
| 01:02:28,280 | 01:02:30,280 | 最後我希望說資產價值跟股東權益 |
| 01:02:30,280 | 01:02:32,280 | 都受到保障 |
| 01:02:32,280 | 01:02:34,280 | 謝謝大家 |
| 01:02:34,280 | 01:02:36,280 | 謝謝王教授 |
| 01:02:36,280 | 01:02:38,280 | 的一個分析 |
| 01:02:38,280 | 01:02:40,280 | 現在請劉書斌委員 |
| 01:02:40,280 | 01:02:42,280 | 立委 |
| 01:02:50,280 | 01:02:52,280 | 主席 |
| 01:02:52,280 | 01:02:54,280 | 各位學者專家 |
| 01:02:54,280 | 01:02:56,280 | 各位政府官員大家早安 |
| 01:02:56,280 | 01:02:58,280 | 今天 |
| 01:02:58,280 | 01:03:00,280 | 討論泛公股金融 |
| 01:03:00,280 | 01:03:02,280 | 機構合併的問題 |
| 01:03:02,280 | 01:03:04,280 | 我認為不能只問 |
| 01:03:04,280 | 01:03:06,280 | 要不要公公病 |
| 01:03:06,280 | 01:03:08,280 | 更要先問財政部 |
| 01:03:08,280 | 01:03:10,280 | 到底準備如何治理 |
| 01:03:10,280 | 01:03:12,280 | 泛公股 |
| 01:03:12,280 | 01:03:14,280 | 國票金就是最好的試金石 |
| 01:03:14,280 | 01:03:16,280 | 今年五月 |
| 01:03:16,280 | 01:03:18,280 | 國票金董事改選 |
| 01:03:18,280 | 01:03:20,280 | 十五席董事當中 |
| 01:03:20,280 | 01:03:22,280 | 公股取得八席 |
| 01:03:22,280 | 01:03:24,280 | 正式掌握經營主導權 |
| 01:03:24,280 | 01:03:26,280 | 這也是 |
| 01:03:26,280 | 01:03:28,280 | 台灣少見由民營金控 |
| 01:03:28,280 | 01:03:30,280 | 轉為泛公股主導 |
| 01:03:30,280 | 01:03:32,280 | 的案例 |
| 01:03:32,280 | 01:03:34,280 | 問題是公股拿到經營權 |
| 01:03:34,280 | 01:03:36,280 | 以後我們看到的是 |
| 01:03:36,280 | 01:03:38,280 | 改革還是延續 |
| 01:03:38,280 | 01:03:40,280 | 過去的利益繼續呢 |
| 01:03:40,280 | 01:03:42,280 | 國票金 |
| 01:03:42,280 | 01:03:44,280 | 在國內金控 |
| 01:03:44,280 | 01:03:46,280 | 金控當中規模相對是小的 |
| 01:03:46,280 | 01:03:48,280 | 又缺乏 |
| 01:03:48,280 | 01:03:50,280 | 最重要的商業銀行 |
| 01:03:50,280 | 01:03:52,280 | 這一塊的拼圖 |
| 01:03:52,280 | 01:03:54,280 | 長期受到 |
| 01:03:54,280 | 01:03:56,280 | 發展限制 |
| 01:03:56,280 | 01:03:58,280 | 過去曾經推動併購安泰銀行 |
| 01:03:58,280 | 01:04:00,280 | 最後沒有成功 |
| 01:04:00,280 | 01:04:02,280 | 如今公股取得主導權 |
| 01:04:02,280 | 01:04:04,280 | 現在應該是 |
| 01:04:04,280 | 01:04:06,280 | 重新檢討公司 |
| 01:04:06,280 | 01:04:08,280 | 治理改善治理 |
| 01:04:08,280 | 01:04:10,280 | 的時機了 |
| 01:04:10,280 | 01:04:12,280 | 體質的時機了 |
| 01:04:12,280 | 01:04:14,280 | 但是公股進場之後 |
| 01:04:14,280 | 01:04:16,280 | 今天引發爭議的竟然是 |
| 01:04:16,280 | 01:04:18,280 | 副董事長人士及 |
| 01:04:18,280 | 01:04:20,280 | 高薪領酬的問題 |
| 01:04:20,280 | 01:04:22,280 | 外界質疑 |
| 01:04:22,280 | 01:04:24,280 | 國票金副董事長年薪 |
| 01:04:24,280 | 01:04:26,280 | 超過兩千萬元 |
| 01:04:26,280 | 01:04:28,280 | 遠高於許多大型 |
| 01:04:28,280 | 01:04:30,280 | 公股金融機構的董事長 |
| 01:04:30,280 | 01:04:32,280 | 我想現在在場的很多公股的 |
| 01:04:32,280 | 01:04:34,280 | 董事長是不是能心服呢 |
| 01:04:34,280 | 01:04:36,280 | 我要問財政部 |
| 01:04:36,280 | 01:04:38,280 | 既然公股已經主導了 |
| 01:04:38,280 | 01:04:40,280 | 董事會為什麼沒有趁 |
| 01:04:40,280 | 01:04:42,280 | 這個機會重新檢討 |
| 01:04:42,280 | 01:04:44,280 | 董事長的設置的必要性 |
| 01:04:44,280 | 01:04:46,280 | 職權跟薪酬 |
| 01:04:46,280 | 01:04:48,280 | 財政部不能一方面 |
| 01:04:48,280 | 01:04:50,280 | 動用犯公股 |
| 01:04:50,280 | 01:04:52,280 | 近百億的資金 |
| 01:04:52,280 | 01:04:54,280 | 取得經營權 |
| 01:04:54,280 | 01:04:56,280 | 另一方面遇到監督 |
| 01:04:56,280 | 01:04:58,280 | 問題又說國票金 |
| 01:04:58,280 | 01:05:00,280 | 不是財政部 |
| 01:05:00,280 | 01:05:02,280 | 直接的投資事業 |
| 01:05:02,280 | 01:05:04,280 | 要尊重公司治理 |
| 01:05:04,280 | 01:05:06,280 | 這樣就變成 |
| 01:05:06,280 | 01:05:08,280 | 要經營權時是公股 |
| 01:05:08,280 | 01:05:10,280 | 要負責時變成民營 |
| 01:05:10,280 | 01:05:12,280 | 這不是人民期待的 |
| 01:05:12,280 | 01:05:14,280 | 犯公股的治理 |
| 01:05:14,280 | 01:05:16,280 | 第二 |
| 01:05:16,280 | 01:05:18,280 | 我們支持金融機構透過整併 |
| 01:05:18,280 | 01:05:20,280 | 提升規模與競爭力 |
| 01:05:20,280 | 01:05:22,280 | 但是本席認為 |
| 01:05:22,280 | 01:05:24,280 | 不能為了公公併三個字而併 |
| 01:05:24,280 | 01:05:26,280 | 財政部今天 |
| 01:05:26,280 | 01:05:28,280 | 提出了尊重市場機制 |
| 01:05:28,280 | 01:05:30,280 | 利害關係人合意 |
| 01:05:30,280 | 01:05:32,280 | 綜合績效優先 |
| 01:05:32,280 | 01:05:34,280 | 三大原則 |
| 01:05:34,280 | 01:05:36,280 | 我們基本上認同 |
| 01:05:36,280 | 01:05:38,280 | 但是我必須要再加上一項 |
| 01:05:38,280 | 01:05:40,280 | 公共利益 |
| 01:05:40,280 | 01:05:42,280 | 到底是由誰來併 |
| 01:05:42,280 | 01:05:44,280 | 國票金 |
| 01:05:44,280 | 01:05:46,280 | 是聽到下面的 |
| 01:05:46,280 | 01:05:48,280 | 是張銀第一金 |
| 01:05:48,280 | 01:05:50,280 | 招風金還是其他公股機構 |
| 01:05:50,280 | 01:05:52,280 | 這不能用政治決定 |
| 01:05:52,280 | 01:05:54,280 | 而是要提出客觀的評估 |
| 01:05:54,280 | 01:05:56,280 | 國票金最大的問題 |
| 01:05:56,280 | 01:05:58,280 | 是缺乏銀行通路 |
| 01:05:58,280 | 01:06:00,280 | 因此整併必須回答 |
| 01:06:00,280 | 01:06:02,280 | 三個問題 |
| 01:06:02,280 | 01:06:04,280 | 第一能不能補足銀行業務及通路 |
| 01:06:04,280 | 01:06:06,280 | 第二 |
| 01:06:06,280 | 01:06:08,280 | 能不能降低重複成本 |
| 01:06:08,280 | 01:06:10,280 | 提升股東權益報酬率 |
| 01:06:10,280 | 01:06:12,280 | ROE與美股的盈餘 |
| 01:06:12,280 | 01:06:14,280 | EPS |
| 01:06:14,280 | 01:06:16,280 | 第三 |
| 01:06:16,280 | 01:06:18,280 | 能不能擴大規模 |
| 01:06:18,280 | 01:06:20,280 | 提高國際競爭力 |
| 01:06:20,280 | 01:06:22,280 | 如果答案都是否定的 |
| 01:06:22,280 | 01:06:24,280 | 那就沒有必要為併而併 |
| 01:06:24,280 | 01:06:26,280 | 我要提醒財政部 |
| 01:06:26,280 | 01:06:28,280 | 金管會已經說得很清楚了 |
| 01:06:28,280 | 01:06:30,280 | 金融整併 |
| 01:06:30,280 | 01:06:32,280 | 由業者依公私 |
| 01:06:32,280 | 01:06:34,280 | 治理來決定 |
| 01:06:34,280 | 01:06:36,280 | 第二 |
| 01:06:36,280 | 01:06:38,280 | 泛公股涉及公股股權處理 |
| 01:06:38,280 | 01:06:40,280 | 財政部不能把這個球 |
| 01:06:40,280 | 01:06:42,280 | 再丟給金管會了 |
| 01:06:42,280 | 01:06:44,280 | 因此本席提出 |
| 01:06:44,280 | 01:06:46,280 | 三點訴求 |
| 01:06:46,280 | 01:06:48,280 | 希望財政部三個月 |
| 01:06:48,280 | 01:06:50,280 | 提出泛公股金融機構 |
| 01:06:50,280 | 01:06:52,280 | 治理準則 |
| 01:06:52,280 | 01:06:54,280 | 明確的規範 |
| 01:06:54,280 | 01:06:56,280 | 董事判認 |
| 01:06:56,280 | 01:06:58,280 | 高階薪酬 |
| 01:06:58,280 | 01:07:00,280 | 績效考核及重大投資決策 |
| 01:07:00,280 | 01:07:02,280 | 第二 |
| 01:07:02,280 | 01:07:04,280 | 全面檢討國票金 |
| 01:07:04,280 | 01:07:06,280 | 付董事長的職位 |
| 01:07:06,280 | 01:07:08,280 | 薪酬與績效的連結 |
| 01:07:08,280 | 01:07:10,280 | 不能讓泛公股成為 |
| 01:07:10,280 | 01:07:12,280 | 監督的灰色地帶 |
| 01:07:12,280 | 01:07:14,280 | 第三 |
| 01:07:14,280 | 01:07:16,280 | 半年內提出國票金整併的 |
| 01:07:16,280 | 01:07:18,280 | 可行性評估 |
| 01:07:18,280 | 01:07:20,280 | 公開比較不同 |
| 01:07:20,280 | 01:07:22,280 | 公股機構整併的成本 |
| 01:07:22,280 | 01:07:24,280 | 綜合績效 |
| 01:07:24,280 | 01:07:26,280 | 股東權益及公會 |
| 01:07:26,280 | 01:07:28,280 | 與員工的權益 |
| 01:07:28,280 | 01:07:30,280 | 尤其是員工的薪資 |
| 01:07:30,280 | 01:07:32,280 | 國民應該具備合理的競爭性 |
| 01:07:32,280 | 01:07:34,280 | 才能留住人才 |
| 01:07:34,280 | 01:07:36,280 | 來維持公股銀行的競爭力 |
| 01:07:38,280 | 01:07:40,280 | 本席支持金融整併 |
| 01:07:40,280 | 01:07:42,280 | 但我們要的是專業整併 |
| 01:07:42,280 | 01:07:44,280 | 不是政治整併 |
| 01:07:44,280 | 01:07:46,280 | 要的是提升競爭力 |
| 01:07:46,280 | 01:07:48,280 | 不是重新分配位子 |
| 01:07:48,280 | 01:07:50,280 | 既然政府取得國票金主導權 |
| 01:07:50,280 | 01:07:52,280 | 就必須向全民交代 |
| 01:07:52,280 | 01:07:54,280 | 拿到經營權之後 |
| 01:07:54,280 | 01:07:56,280 | 究竟要把國票金 |
| 01:07:56,280 | 01:07:58,280 | 帶到哪裡去 |
| 01:07:58,280 | 01:08:00,280 | 政府委員會會繼續來監督這件事情 |
| 01:08:28,279 | 01:08:42,279 | 主席賴委員以及我們部長還有主委 |
| 01:08:42,279 | 01:08:46,279 | 以及各位董總大家早安大家好 |
| 01:08:48,279 | 01:08:54,279 | 今天我們來講到這個公股合併的問題 |
| 01:08:54,279 | 01:08:56,279 | 說實在的 |
| 01:08:56,279 | 01:09:00,279 | 今天台灣人如果跟台人合併 |
| 01:09:00,279 | 01:09:02,279 | 叫台灣台人 |
| 01:09:02,279 | 01:09:06,279 | 今天如果是台灣人來 |
| 01:09:06,279 | 01:09:10,279 | 讓台人和平的時候 |
| 01:09:10,279 | 01:09:14,279 | 今天我們絕對拉雙手 |
| 01:09:14,279 | 01:09:16,279 | 雙腳搬命也大行 |
| 01:09:16,279 | 01:09:18,279 | 因為我們的財務福利比他們差 |
| 01:09:18,279 | 01:09:22,279 | 如果今天他們要讓台人併 |
| 01:09:22,279 | 01:09:24,279 | 他們的工會一定反對 |
| 01:09:24,279 | 01:09:30,279 | 他們的薪水從20萬來減到10萬他們一定不要的 |
| 01:09:30,279 | 01:09:32,279 | 你說變得問題 |
| 01:09:32,279 | 01:09:34,279 | 這個是最大問題 |
| 01:09:34,279 | 01:09:36,279 | 要怎麼進去講到這個 |
| 01:09:36,279 | 01:09:42,279 | 其實今年一個放工股的公會的理事長 |
| 01:09:42,279 | 01:09:44,279 | 他退休的時候 |
| 01:09:44,279 | 01:09:46,279 | 他說他一國的薪水20萬多 |
| 01:09:46,279 | 01:09:50,279 | 我說蛤你的薪水比我們董事長還要多 |
| 01:09:50,279 | 01:09:52,279 | 我們董事長一國的沒有到20萬 |
| 01:09:52,279 | 01:09:54,279 | 你有20萬 |
| 01:09:54,279 | 01:09:56,280 | 21萬多這樣子的話合理嗎 |
| 01:09:56,280 | 01:10:02,280 | 今天我們董總雖然是我們官派來我們這邊 |
| 01:10:02,280 | 01:10:06,280 | 來台灣金控當董總 |
| 01:10:06,280 | 01:10:08,280 | 但是他所負的責任 |
| 01:10:08,280 | 01:10:14,280 | 會比一般的放工股銀行還有民營銀行的責任低嗎 |
| 01:10:14,280 | 01:10:16,280 | 沒有他的職業也是一樣很重 |
| 01:10:16,280 | 01:10:22,280 | 他要付所有銀行所有盈餘 |
| 01:10:22,280 | 01:10:24,280 | 還有一些作業風險上 |
| 01:10:24,280 | 01:10:26,280 | 他負的責任是非常大 |
| 01:10:26,280 | 01:10:28,280 | 結果他的薪水一國沒有到20萬 |
| 01:10:28,280 | 01:10:30,280 | 這樣子的話應該是 |
| 01:10:30,280 | 01:10:32,280 | 我是認為一站在公會的立場 |
| 01:10:32,280 | 01:10:36,280 | 是要把董總薪資的拉高 |
| 01:10:36,280 | 01:10:38,280 | 因為你負重的 |
| 01:10:38,280 | 01:10:44,280 | 再來我們要單位主管以及員工的待遇及福利才會提高 |
| 01:10:44,280 | 01:10:50,280 | 沒有你沒辦法去優管大家同仁的福利以及待遇 |
| 01:10:50,280 | 01:10:54,280 | 再來我們來看一個 |
| 01:10:56,280 | 01:10:58,280 | 我們一個薪資制度 |
| 01:10:58,280 | 01:11:02,280 | 今天我們台灣銀行 |
| 01:11:02,280 | 01:11:08,280 | 我們就是調薪的時候就是沒有一個非常嚴謹 |
| 01:11:08,280 | 01:11:12,280 | 因為沒辦法就是每兩年要檢討錢 |
| 01:11:12,280 | 01:11:14,280 | 就是每兩年要檢討一次 |
| 01:11:14,280 | 01:11:18,280 | 檢討一次是要符合你的指標 |
| 01:11:18,280 | 01:11:20,280 | 我們才能調薪 |
| 01:11:20,280 | 01:11:24,280 | 這樣子的話對我們非常不合理 |
| 01:11:24,280 | 01:11:30,280 | 你放工股銀行他們就是市場公司的績效 |
| 01:11:30,280 | 01:11:34,280 | 他們如果有賺錢他們再經過當事會 |
| 01:11:34,280 | 01:11:38,280 | 以及銀行委員會他們同意的話 |
| 01:11:38,280 | 01:11:42,280 | 他們就可以調薪 |
| 01:11:42,280 | 01:11:46,280 | 這是對我們台銀來講非常不合理 |
| 01:11:46,280 | 01:11:48,280 | 因為如果說調薪 |
| 01:11:48,280 | 01:11:54,280 | 政府一直認為我們就是跟他一樣公務人員 |
| 01:11:54,280 | 01:11:58,280 | 但是我們已經是薪資跟公務人員的薪資脫鉤 |
| 01:11:58,280 | 01:12:04,280 | 我們也是一個我們現在也是兼勞工身分 |
| 01:12:04,280 | 01:12:07,280 | 但是不能一直把我們當作我們也是公務人員 |
| 01:12:07,280 | 01:12:09,280 | 跟我們比 |
| 01:12:09,280 | 01:12:14,280 | 變成說調薪在108、109年有一個新知其一化 |
| 01:12:14,280 | 01:12:18,280 | 調薪那兩年剛好剛好去跟銀行比比比 |
| 01:12:18,280 | 01:12:22,280 | 比到輸出的銀行他的薪水比我們高 |
| 01:12:22,280 | 01:12:24,280 | 所以那時候就去跟他比 |
| 01:12:24,280 | 01:12:28,280 | 但是那兩年的調薪結果在財政部一直認為 |
| 01:12:28,280 | 01:12:31,280 | 那兩年的調薪就計算在內 |
| 01:12:31,280 | 01:12:33,280 | 我們調薪比他們公務人員還多 |
| 01:12:33,280 | 01:12:35,280 | 比財政部還多 |
| 01:12:35,280 | 01:12:37,280 | 所以變成說我們調薪 |
| 01:12:37,280 | 01:12:39,280 | 現在還要送調薪兩年剛好一次 |
| 01:12:39,280 | 01:12:43,280 | 現在公務人員因為現在是看我們GBT |
| 01:12:43,280 | 01:12:46,280 | 我們的國家你拿GBT超過多少就可以調薪 |
| 01:12:46,280 | 01:12:50,280 | 而我們兩年剛好一次我們這樣已經會跟不上 |
| 01:12:50,280 | 01:12:53,280 | 已經對不住你現在公務人員的調薪 |
| 01:12:53,280 | 01:12:58,280 | 希望可以說要怎麼去留財留一些好的人才 |
| 01:12:58,280 | 01:13:01,280 | 現在我們的每年的科企 |
| 01:13:01,280 | 01:13:05,280 | 每年的科企你看現在報考率逐年下降 |
| 01:13:05,280 | 01:13:08,280 | 入取率逐年提高 |
| 01:13:08,280 | 01:13:10,280 | 今年已經到18% |
| 01:13:10,280 | 01:13:16,280 | 你說大家離職才新入職的人離職率算比退休的人多 |
| 01:13:16,280 | 01:13:20,280 | 這樣你說一些人才會留住嗎 |
| 01:13:20,280 | 01:13:24,280 | 再來一個銀行的一些作業風險會漸漸的提高 |
| 01:13:24,280 | 01:13:27,280 | 但是你結果金管委現在也一直認為 |
| 01:13:27,280 | 01:13:33,280 | 我們銀行的治理就是要監理 |
| 01:13:33,280 | 01:13:36,280 | 為什麼沒有監理到發生事情 |
| 01:13:36,280 | 01:13:40,280 | 發生事情現在的年輕人現在他的想法 |
| 01:13:40,280 | 01:13:41,280 | 他們住不住 |
| 01:13:41,280 | 01:13:44,280 | 他們認為這間不大我來北京 |
| 01:13:44,280 | 01:13:47,280 | 我變成做這個情況 |
| 01:13:47,280 | 01:13:51,280 | 再來一個我們的績效酬勞 |
| 01:13:51,280 | 01:13:54,280 | 因為現在的放公股他們都4.6個月 |
| 01:13:54,280 | 01:13:57,280 | 而我們目前還是4.4個月 |
| 01:13:57,280 | 01:13:59,280 | 之前有跟財政部說 |
| 01:13:59,280 | 01:14:04,280 | 財政部說李萬怡這邊沒有意見 |
| 01:14:04,280 | 01:14:06,280 | 但是財政部說 |
| 01:14:06,280 | 01:14:09,280 | 如果他們沒有一個行期 |
| 01:14:09,280 | 01:14:12,280 | 他們沒有辦法遵照辦理 |
| 01:14:12,280 | 01:14:15,280 | 變成我們只能四點四個月 |
| 01:14:15,280 | 01:14:17,280 | 再來一個員工酬勞 |
| 01:14:17,280 | 01:14:22,280 | 我告訴你我們台灣銀行的一個經理 |
| 01:14:22,280 | 01:14:24,280 | 跟放公股分行的經理 |
| 01:14:24,280 | 01:14:28,280 | 年所得差了150萬以上 |
| 01:14:28,280 | 01:14:29,280 | 為什麼會差這麼多 |
| 01:14:29,280 | 01:14:32,280 | 因為他們前一年度的營餘 |
| 01:14:32,280 | 01:14:35,280 | 他們可以提撥1到8%作為員工酬勞 |
| 01:14:35,280 | 01:14:38,280 | 而我們每年可以四點四個月 |
| 01:14:38,280 | 01:14:41,280 | 結果我們每年大家你看分行 |
| 01:14:41,280 | 01:14:44,280 | 我們中央單位大家拼死拼命 |
| 01:14:44,280 | 01:14:45,280 | 大家賺錢賺錢的 |
| 01:14:45,280 | 01:14:47,280 | 結果營餘也不能多分 |
| 01:14:47,280 | 01:14:49,280 | 你那裡有賺的 |
| 01:14:49,280 | 01:14:53,280 | 也不能分享到我們有營餘的部分 |
| 01:14:53,280 | 01:14:56,280 | 是不是我們可以說我們的情處 |
| 01:14:56,280 | 01:14:58,280 | 是不是比照放公股 |
| 01:14:58,280 | 01:15:02,280 | 一樣我們也一樣就是有1到8%的員工酬勞 |
| 01:15:02,280 | 01:15:04,280 | 再來說我們董事長 |
| 01:15:04,280 | 01:15:05,280 | 你說董事長 |
| 01:15:05,280 | 01:15:09,280 | 你如果說不要跟民營銀行比的兩三千萬 |
| 01:15:09,280 | 01:15:12,280 | 你跟我們董事長的薪水 |
| 01:15:12,280 | 01:15:15,280 | 你說跟放公股根本就不比 |
| 01:15:15,280 | 01:15:17,280 | 根本就沒有辦法比 |
| 01:15:18,280 | 01:15:22,280 | 再來一個就是我們員工的福利信託 |
| 01:15:22,280 | 01:15:26,280 | 因為他們放公股以及民營銀行現在都有 |
| 01:15:26,280 | 01:15:28,280 | 他們都有 |
| 01:15:29,280 | 01:15:32,280 | 因為最高民營銀行提撥到1萬 |
| 01:15:32,280 | 01:15:34,280 | 因為跨職等他們有提撥到1萬 |
| 01:15:34,280 | 01:15:37,280 | 當然我們放公股就是有一千 |
| 01:15:37,280 | 01:15:42,280 | 就我們原來出1千他們行方當也是出1千塊 |
| 01:15:42,280 | 01:15:43,280 | 但是目前我們都沒有 |
| 01:15:43,280 | 01:15:46,280 | 現在都是在我們財政部在情處中 |
| 01:15:46,280 | 01:15:49,280 | 再來就是我們員工的伙食費 |
| 01:15:49,280 | 01:15:51,280 | 因為員工伙食費現在放公股 |
| 01:15:51,280 | 01:15:54,280 | 他們每個月都有3千塊 |
| 01:15:54,280 | 01:15:56,280 | 而我們都沒有 |
| 01:15:56,280 | 01:15:59,280 | 我們沒有因為我們在營用大概一世紀 |
| 01:15:59,280 | 01:16:02,280 | 那個免稅額750塊 |
| 01:16:02,280 | 01:16:03,280 | 一直我們告訴他們 |
| 01:16:03,280 | 01:16:05,280 | 拜託人放公股都已經有3千 |
| 01:16:05,280 | 01:16:06,280 | 是怎麼我們沒有 |
| 01:16:06,280 | 01:16:09,280 | 一直就是我們有一個免稅額750塊 |
| 01:16:09,280 | 01:16:11,280 | 這個問題 |
| 01:16:11,280 | 01:16:13,280 | 再來一個主管家籍 |
| 01:16:13,280 | 01:16:15,280 | 你看放公股 |
| 01:16:15,280 | 01:16:19,280 | 他們每月8千到8萬不等 |
| 01:16:19,280 | 01:16:20,280 | 但是我們呢 |
| 01:16:20,280 | 01:16:22,280 | 我們是只有薪水會3% |
| 01:16:22,280 | 01:16:26,280 | 因為我們3%負重的加3%薪水 |
| 01:16:26,280 | 01:16:28,280 | 加下去比中盈利還要多 |
| 01:16:28,280 | 01:16:30,280 | 你薪水比中盈利還要多 |
| 01:16:30,280 | 01:16:32,280 | 譬如說你董總薪資沒有拉高 |
| 01:16:32,280 | 01:16:36,280 | 變成我們負重的他主管家籍只能3% |
| 01:16:36,280 | 01:16:40,280 | 當然我們是不是要求能夠提高 |
| 01:16:40,280 | 01:16:44,280 | 再來一個有一個新進人員的問題 |
| 01:16:44,280 | 01:16:47,280 | 年輕人民國97年以後進行的同仁 |
| 01:16:47,280 | 01:16:51,280 | 他500萬只能存3年起利率加3%的問題 |
| 01:16:51,280 | 01:16:53,280 | 一年他沒到2萬塊 |
| 01:16:53,280 | 01:16:56,280 | 我說真的新進人員很可憐 |
| 01:16:56,280 | 01:16:58,280 | 很可憐你20年30年40年 |
| 01:16:58,280 | 01:17:00,280 | 只有年輕人退休他那裡沒2萬塊 |
| 01:17:00,280 | 01:17:02,280 | 你叫這些年輕人怎麼生活 |
| 01:17:02,280 | 01:17:05,280 | 當然你說年金改革改到像現在這樣子 |
| 01:17:05,280 | 01:17:07,280 | 是不是非常不合理 |
| 01:17:07,280 | 01:17:11,280 | 應該要怎麼要提高年輕人他們的福利 |
| 01:17:11,280 | 01:17:13,280 | 在這裡說到這裡謝謝 |
| 01:17:15,280 | 01:17:23,280 | 好謝謝我們台銀公會的林理事長的發言 |
| 01:17:23,280 | 01:17:28,280 | 我跟各位報告剛才林理事長提的那個問題 |
| 01:17:28,280 | 01:17:31,280 | 我們都跟財政部有溝通過 |
| 01:17:31,280 | 01:17:36,280 | 我在這裡很正確來說 |
| 01:17:36,280 | 01:17:41,280 | 其實財政部都支持 |
| 01:17:41,280 | 01:17:45,280 | 立法委員不分黨派權力支持 |
| 01:17:45,280 | 01:17:47,280 | 但是卡在什麼地方 |
| 01:17:47,280 | 01:17:51,280 | 人事總處 |
| 01:17:51,280 | 01:17:53,280 | 又是死又是尿的 |
| 01:17:53,280 | 01:17:56,280 | 說這不殺你那不殺你這樣 |
| 01:17:56,280 | 01:17:58,280 | 用胎管給鑽就對了 |
| 01:17:58,280 | 01:18:00,280 | 又是死又是尿一堆 |
| 01:18:00,280 | 01:18:02,280 | 說都不行就對了 |
| 01:18:02,280 | 01:18:06,280 | 所以這裡不能怪財政部長 |
| 01:18:06,280 | 01:18:09,280 | 要怪那個人事長 |
| 01:18:09,280 | 01:18:12,280 | 人事長意見很多我們來繼續努力 |
| 01:18:12,280 | 01:18:13,280 | 我們繼續努力 |
| 01:18:13,280 | 01:18:16,280 | 我再講一遍財政部權力支持 |
| 01:18:16,280 | 01:18:20,280 | 立法院不分黨派都支持 |
| 01:18:20,280 | 01:18:24,280 | 就是人事總處表面都說OK啦 |
| 01:18:24,280 | 01:18:25,280 | 歐陵誰都 |
| 01:18:25,280 | 01:18:28,280 | 實質上就是不可以的 |
| 01:18:28,280 | 01:18:30,280 | 要我們一起努力 |
| 01:18:30,280 | 01:18:37,280 | 好下一位請議員的國會理事長陳志雄陳先生請 |
| 01:18:43,280 | 01:18:44,280 | 主席 |
| 01:18:44,280 | 01:18:51,280 | 委員然後各位先生大家好 |
| 01:18:51,280 | 01:18:55,280 | 我是台銀行的教會理事長丹靖永 |
| 01:18:55,280 | 01:19:02,280 | 感謝財政委員會今天有機會來聽話 |
| 01:19:02,280 | 01:19:08,280 | 那正對於剛才我們來臨時講的 |
| 01:19:08,280 | 01:19:10,280 | 有一個我稍微控制一下 |
| 01:19:10,280 | 01:19:12,280 | 因為他導用我說的話 |
| 01:19:12,280 | 01:19:15,280 | 因為我說台灣地區我說的不是說的 |
| 01:19:15,280 | 01:19:17,280 | 這個我控制一下 |
| 01:19:17,280 | 01:19:18,280 | 不能用我的 |
| 01:19:18,280 | 01:19:20,280 | 不然要交錢 |
| 01:19:20,280 | 01:19:23,280 | 然後今天說的是合併的問題 |
| 01:19:23,280 | 01:19:26,280 | 其實以我本身的立場 |
| 01:19:26,280 | 01:19:27,280 | 我台銀行 |
| 01:19:27,280 | 01:19:32,280 | 我們台銀行其實金庫內有交涉是台銀行所談 |
| 01:19:32,280 | 01:19:34,280 | 所以我的立場 |
| 01:19:34,280 | 01:19:35,280 | 很清楚 |
| 01:19:35,280 | 01:19:37,280 | 正對我們金庫內 |
| 01:19:37,280 | 01:19:39,280 | 如果以主公司來說 |
| 01:19:39,280 | 01:19:41,280 | 我們只要合併 |
| 01:19:41,280 | 01:19:47,280 | 有辦法去創造我們銀行的一些效益的時候 |
| 01:19:47,280 | 01:19:51,280 | 這個保護我認為可以透過高款的那個政策 |
| 01:19:51,280 | 01:19:53,280 | 這個保護可以透過 |
| 01:19:53,280 | 01:19:57,280 | 我說的是正對我們金庫內的主公司 |
| 01:19:57,280 | 01:19:59,280 | 不是正對銀行 |
| 01:19:59,280 | 01:20:06,280 | 然後那個因為銀行這保護我目前是沒有支持人 |
| 01:20:06,280 | 01:20:09,280 | 因為我認為我們辦公區的整合 |
| 01:20:09,280 | 01:20:11,280 | 同質性相關 |
| 01:20:11,280 | 01:20:13,280 | 銀行對銀行的保護 |
| 01:20:13,280 | 01:20:16,280 | 我覺得要審慎去評估 |
| 01:20:16,280 | 01:20:18,280 | 因為我認為同質性合併後 |
| 01:20:18,280 | 01:20:20,280 | 你只要問法 |
| 01:20:20,280 | 01:20:24,280 | 薪水跟銀行的軟體這個部分 |
| 01:20:24,280 | 01:20:26,280 | 你要是真的要整合起來 |
| 01:20:26,280 | 01:20:29,280 | 我覺得可能要 |
| 01:20:31,280 | 01:20:32,280 | 好好的來去思考 |
| 01:20:32,280 | 01:20:34,280 | 這是第一個問題 |
| 01:20:34,280 | 01:20:36,280 | 再來是正對有一些民眾 |
| 01:20:36,280 | 01:20:37,280 | 當然他對銀行 |
| 01:20:37,280 | 01:20:39,280 | 因為他是辦公區 |
| 01:20:39,280 | 01:20:41,280 | 所以他對我們銀行有信心 |
| 01:20:41,280 | 01:20:44,280 | 他可能卡兩三間的辦公區 |
| 01:20:44,280 | 01:20:46,280 | 但是你現在兩三間合起來的時候 |
| 01:20:46,280 | 01:20:48,280 | 他不一定會完全再站在那裡 |
| 01:20:48,280 | 01:20:49,280 | 尤其我們銀行 |
| 01:20:49,280 | 01:20:54,280 | 我們辦公區本身對方塊的評估都比較審慎 |
| 01:20:54,280 | 01:20:56,280 | 一般來說你合併的時候 |
| 01:20:56,280 | 01:21:02,280 | 他當然正對銀行的部分會去跟風險評估 |
| 01:21:02,280 | 01:21:06,280 | 所以是不是可以再照原來兩間合起來的數字 |
| 01:21:06,280 | 01:21:10,280 | 我認為這個部分應該不會 |
| 01:21:10,280 | 01:21:12,280 | 因為對民眾來說 |
| 01:21:12,280 | 01:21:13,280 | 對民眾來說 |
| 01:21:13,280 | 01:21:16,280 | 他的領域說東西要分做兩個地方 |
| 01:21:16,280 | 01:21:18,280 | 他的領域比較安全 |
| 01:21:18,280 | 01:21:21,280 | 所以正對今天你的議題 |
| 01:21:21,280 | 01:21:23,280 | 我補充兩點就是 |
| 01:21:23,280 | 01:21:25,280 | 因為我們常常說 |
| 01:21:25,280 | 01:21:28,280 | 我們辦公區的競爭力不足 |
| 01:21:28,280 | 01:21:30,280 | 這不是屬性 |
| 01:21:30,280 | 01:21:33,280 | 因為我們根據央行的統計 |
| 01:21:33,280 | 01:21:36,280 | 我們在2005年 |
| 01:21:36,280 | 01:21:39,280 | 國內銀行的主散的規模 |
| 01:21:39,280 | 01:21:41,280 | 在2010年裡面 |
| 01:21:41,280 | 01:21:44,280 | 其實我們辦公區就已經有六間了 |
| 01:21:44,280 | 01:21:46,280 | 這六間其實 |
| 01:21:46,280 | 01:21:49,280 | 台北、馬里森、花南、阿根 |
| 01:21:49,280 | 01:21:51,280 | 我們是大到不能倒的 |
| 01:21:51,280 | 01:21:54,280 | 還有那個兆豐 |
| 01:21:54,280 | 01:21:57,280 | 我是覺得這幾間的規模 |
| 01:21:57,280 | 01:21:58,280 | 其實已經 |
| 01:21:58,280 | 01:22:00,280 | 在2010年我們已經六間了 |
| 01:22:00,280 | 01:22:02,280 | 所以你說 |
| 01:22:02,280 | 01:22:05,280 | 我們辦公區在這個市場的地位 |
| 01:22:05,280 | 01:22:07,280 | 其實主經的動力 |
| 01:22:07,280 | 01:22:09,280 | 比民營差 |
| 01:22:09,280 | 01:22:10,280 | 所以我們常常說 |
| 01:22:10,280 | 01:22:14,280 | 是不是因為我們辦公區的規模不足 |
| 01:22:14,280 | 01:22:17,280 | 來用銀行的合併 |
| 01:22:17,280 | 01:22:20,280 | 這個我覺得跟屬性有一點落差 |
| 01:22:20,280 | 01:22:23,280 | 第二點正對 |
| 01:22:23,280 | 01:22:24,280 | 我們公共銀行 |
| 01:22:24,280 | 01:22:26,280 | 因為我們本身公共銀行 |
| 01:22:26,280 | 01:22:28,280 | 有一些政策使命 |
| 01:22:28,280 | 01:22:34,280 | 不是只用市場的機票來併價 |
| 01:22:34,280 | 01:22:36,280 | 這樣是不公平 |
| 01:22:36,280 | 01:22:38,280 | 因為我們銀行本身 |
| 01:22:38,280 | 01:22:42,280 | 是登記配合政府的政策的款款 |
| 01:22:42,280 | 01:22:44,280 | 跟索訊的領域 |
| 01:22:44,280 | 01:22:47,280 | 但是我們全部的 |
| 01:22:47,280 | 01:22:50,280 | 應該說很多的收益 |
| 01:22:50,280 | 01:22:53,280 | 都是送給我們台進保 |
| 01:22:53,280 | 01:22:56,280 | 這個保護跟一般民間的企業 |
| 01:22:56,280 | 01:22:57,280 | 他們的銀行 |
| 01:22:57,280 | 01:23:00,280 | 他們對付的是利潤的極大化 |
| 01:23:00,280 | 01:23:02,280 | 那是完全不一樣 |
| 01:23:02,280 | 01:23:03,280 | 所以我們銀行 |
| 01:23:03,280 | 01:23:05,280 | 公共的銀行的存在 |
| 01:23:05,280 | 01:23:10,280 | 你現階段不只是國東的主散 |
| 01:23:10,280 | 01:23:12,280 | 其實它還是存在著 |
| 01:23:12,280 | 01:23:16,280 | 我們全國人民對金融穩定的信賴 |
| 01:23:16,280 | 01:23:19,280 | 任何的政兵的決策 |
| 01:23:19,280 | 01:23:20,280 | 對現在來說 |
| 01:23:20,280 | 01:23:24,280 | 我都認為應該要先行透明 |
| 01:23:24,280 | 01:23:28,280 | 不可以因為有一些政策 |
| 01:23:28,280 | 01:23:29,280 | 說這個外國的時間 |
| 01:23:29,280 | 01:23:31,280 | 你就要去合併 |
| 01:23:31,280 | 01:23:32,280 | 還是說化一個口號 |
| 01:23:32,280 | 01:23:33,280 | 要去合併 |
| 01:23:33,280 | 01:23:34,280 | 這樣的話 |
| 01:23:34,280 | 01:23:36,280 | 我覺得剛才我看了 |
| 01:23:36,280 | 01:23:37,280 | 我們台灣第一 |
| 01:23:37,280 | 01:23:39,280 | 這樣會比較快 |
| 01:23:39,280 | 01:23:40,280 | 以上 |
| 01:23:40,280 | 01:23:43,280 | 那謝謝大家的參與 |
| 01:23:43,280 | 01:23:44,280 | 謝謝 |
| 01:23:47,280 | 01:23:48,280 | 謝謝 |
| 01:23:48,280 | 01:23:49,280 | 稍等一下 |
| 01:23:49,280 | 01:23:51,280 | 那個理事長 |
| 01:23:51,280 | 01:23:54,280 | 你有贊成要公共病嗎 |
| 01:23:54,280 | 01:23:56,280 | 我剛才他說了 |
| 01:23:56,280 | 01:23:57,280 | 你有贊成嗎 |
| 01:23:57,280 | 01:23:59,280 | 沒有我們慢慢來 |
| 01:23:59,280 | 01:24:00,280 | 台灣的醫生會不會 |
| 01:24:00,280 | 01:24:02,280 | 台灣第一可以 |
| 01:24:02,280 | 01:24:03,280 | 哪裡 |
| 01:24:05,280 | 01:24:06,280 | 第一台灣不行 |
| 01:24:06,280 | 01:24:07,280 | 就是這樣 |
| 01:24:07,280 | 01:24:10,280 | 第二台灣不好聽 |
| 01:24:10,280 | 01:24:12,280 | 台灣第一好 |
| 01:24:12,280 | 01:24:13,280 | 好了 |
| 01:24:13,280 | 01:24:14,280 | 這樣了解 |
| 01:24:14,280 | 01:24:15,280 | 你剛才沒講清楚 |
| 01:24:15,280 | 01:24:16,280 | 我聽不清楚了 |
| 01:24:16,280 | 01:24:17,280 | 好 |
| 01:24:17,280 | 01:24:20,280 | 下一位我們請中副級 |
| 01:24:20,280 | 01:24:22,280 | 我們是全國金融業 |
| 01:24:22,280 | 01:24:24,280 | 國會總會理事長 |
| 01:24:24,280 | 01:24:25,280 | 請 |
| 01:24:32,280 | 01:24:35,280 | 主席委員還有我們的部長 |
| 01:24:35,280 | 01:24:38,280 | 還有金管會的主委局長 |
| 01:24:38,280 | 01:24:40,280 | 還有我們金控的董總們 |
| 01:24:40,280 | 01:24:43,280 | 還有現場練習的貴賓 |
| 01:24:43,280 | 01:24:44,280 | 還有媒體記者 |
| 01:24:44,280 | 01:24:45,280 | 大家好 |
| 01:24:45,280 | 01:24:48,280 | 我是全紀念的理事長 |
| 01:24:48,280 | 01:24:50,280 | 那有關紀念的三個議題 |
| 01:24:50,280 | 01:24:51,280 | 針對第一點 |
| 01:24:51,280 | 01:24:52,280 | 第一點 |
| 01:24:52,280 | 01:24:53,280 | 第一點是 |
| 01:24:53,280 | 01:24:54,280 | 第一點是 |
| 01:24:54,280 | 01:24:55,280 | 第一點是 |
| 01:24:55,280 | 01:24:56,280 | 第一點是 |
| 01:24:56,280 | 01:24:57,280 | 第一點是 |
| 01:24:57,280 | 01:24:58,280 | 第一點是 |
| 01:24:58,280 | 01:24:59,280 | 第一點是 |
| 01:24:59,280 | 01:25:00,280 | 第一點是 |
| 01:25:00,280 | 01:25:02,280 | 有關紀念的三個議題 |
| 01:25:02,280 | 01:25:03,280 | 針對第一點跟第三點 |
| 01:25:03,280 | 01:25:04,280 | 是屬於 |
| 01:25:04,280 | 01:25:06,280 | 那個資助方的經營管理權 |
| 01:25:06,280 | 01:25:08,280 | 如何提升經營績效 |
| 01:25:08,280 | 01:25:09,280 | 跟競爭力 |
| 01:25:09,280 | 01:25:11,280 | 還有第三個是併購策略 |
| 01:25:11,280 | 01:25:13,280 | 這是屬於董事會的一個 |
| 01:25:13,280 | 01:25:14,280 | 經營管理權 |
| 01:25:14,280 | 01:25:16,280 | 那我們公會是充分的尊重 |
| 01:25:16,280 | 01:25:19,280 | 那我們今天重點講的是第二點 |
| 01:25:19,280 | 01:25:20,280 | 在併購的過程裡面 |
| 01:25:20,280 | 01:25:23,280 | 如何避免員工的權益受到影響 |
| 01:25:23,280 | 01:25:25,280 | 那全紀念 |
| 01:25:25,280 | 01:25:27,280 | 在這幾年的併購 |
| 01:25:27,280 | 01:25:28,280 | 這十年來的併購案 |
| 01:25:28,280 | 01:25:29,280 | 比如說元大大眾 |
| 01:25:29,280 | 01:25:30,280 | 富邦日盛 |
| 01:25:30,280 | 01:25:31,280 | 台新病新光 |
| 01:25:31,280 | 01:25:35,280 | 花旗讓與這個消費金業務給新展 |
| 01:25:35,280 | 01:25:36,280 | 還有玉山病金控 |
| 01:25:36,280 | 01:25:38,280 | 永豐病金城銀行 |
| 01:25:38,280 | 01:25:40,280 | 現在當然我們花時間 |
| 01:25:40,280 | 01:25:42,280 | 已經花時間在公股的 |
| 01:25:42,280 | 01:25:43,280 | 四個子公司 |
| 01:25:43,280 | 01:25:46,280 | 投信四個子公司的和平案 |
| 01:25:46,280 | 01:25:47,280 | 在這過程裡面 |
| 01:25:47,280 | 01:25:49,280 | 全紀念一直扮演一個協調的角色 |
| 01:25:49,280 | 01:25:52,280 | 那如果包含剛才委員提到的 |
| 01:25:52,280 | 01:25:54,280 | 就是如果國票金有往下走 |
| 01:25:54,280 | 01:25:55,280 | 有往下走 |
| 01:25:55,280 | 01:25:56,280 | 那這一點 |
| 01:25:56,280 | 01:25:58,280 | 全紀念就可以協助 |
| 01:25:58,280 | 01:26:00,280 | 勞資雙方意見的整合 |
| 01:26:00,280 | 01:26:01,280 | 這是全紀念的角色 |
| 01:26:01,280 | 01:26:04,280 | 可是我今天要跟各位報告的一點就是說 |
| 01:26:04,280 | 01:26:06,280 | 剛才很多學者專家有提到 |
| 01:26:06,280 | 01:26:08,280 | 員工權益的保護 |
| 01:26:08,280 | 01:26:09,280 | 那距離來講 |
| 01:26:09,280 | 01:26:10,280 | 我想在這地方 |
| 01:26:10,280 | 01:26:12,280 | 跟各位快速的報告一下 |
| 01:26:12,280 | 01:26:14,280 | 就是從螢幕上各位可以看到 |
| 01:26:14,280 | 01:26:16,280 | 事實上銀行 |
| 01:26:16,280 | 01:26:20,280 | 金融中業同同盟最抗拒的就是一個 |
| 01:26:20,280 | 01:26:21,280 | 抗拒併購 |
| 01:26:21,280 | 01:26:23,280 | 目前心態上在抗拒併購的主要原因 |
| 01:26:23,280 | 01:26:24,280 | 第一點就是 |
| 01:26:24,280 | 01:26:25,280 | 在併購的時候 |
| 01:26:25,280 | 01:26:26,280 | 第一點 |
| 01:26:26,280 | 01:26:27,280 | 併購的時候並沒有對 |
| 01:26:27,280 | 01:26:29,280 | 概括承受勞工的權利義務 |
| 01:26:29,280 | 01:26:31,280 | 在併購的過程裡面 |
| 01:26:31,280 | 01:26:34,280 | 我們可能對上下游的權利義務 |
| 01:26:34,280 | 01:26:35,280 | 我們都會講 |
| 01:26:35,280 | 01:26:36,280 | 我們甚至對於客戶的權利義務 |
| 01:26:36,280 | 01:26:37,280 | 我們也都會照顧 |
| 01:26:37,280 | 01:26:39,280 | 可是唯獨在法規上 |
| 01:26:39,280 | 01:26:41,280 | 對於勞工權利義務的保障 |
| 01:26:41,280 | 01:26:42,280 | 事實上是沒有的 |
| 01:26:42,280 | 01:26:43,280 | 待會會跟各位舉例 |
| 01:26:43,280 | 01:26:45,280 | 第二點就是併購過程裡面 |
| 01:26:45,280 | 01:26:47,280 | 並沒有勞資協章程序 |
| 01:26:47,280 | 01:26:49,280 | 各位知道併購是一個很大的工程 |
| 01:26:49,280 | 01:26:51,280 | 勞資雙方 |
| 01:26:51,280 | 01:26:52,280 | 雇主呢 |
| 01:26:52,280 | 01:26:54,280 | 都說員工是公司的最大資產 |
| 01:26:54,280 | 01:26:56,280 | 可是在員工在這個併購過程裡面 |
| 01:26:56,280 | 01:26:58,280 | 是一個很重要的利害關係人 |
| 01:26:58,280 | 01:27:00,280 | 可是他並沒有參與事前跟事後 |
| 01:27:00,280 | 01:27:02,280 | 如果都沒有法律的保障的時候 |
| 01:27:02,280 | 01:27:04,280 | 事實上對員工的權益保障 |
| 01:27:04,280 | 01:27:06,280 | 事實上都是屬於空談 |
| 01:27:06,280 | 01:27:08,280 | 那第三點就是 |
| 01:27:08,280 | 01:27:10,280 | 既然員工安置機關沒有一個法源依據 |
| 01:27:10,280 | 01:27:12,280 | 當然他就沒有一個強制力 |
| 01:27:12,280 | 01:27:15,280 | 我們從下一頁我們來看這個事情 |
| 01:27:15,280 | 01:27:17,280 | 事實上我們都知道 |
| 01:27:17,280 | 01:27:18,280 | 在併購過程裡面 |
| 01:27:18,280 | 01:27:19,280 | 不管是各種法律 |
| 01:27:19,280 | 01:27:20,280 | 我們對於概括承受 |
| 01:27:20,280 | 01:27:22,280 | 都有一個這樣的說法 |
| 01:27:22,280 | 01:27:23,280 | 各位可以知道 |
| 01:27:23,280 | 01:27:25,280 | 你看企業併購法第四條有講概括承受 |
| 01:27:25,280 | 01:27:27,280 | 那概括承受包含他的權利義務 |
| 01:27:27,280 | 01:27:28,280 | 都是沒有 |
| 01:27:28,280 | 01:27:29,280 | 可是在實務上 |
| 01:27:29,280 | 01:27:31,280 | 在併購過程裡面呢 |
| 01:27:31,280 | 01:27:33,280 | 我們舉例在勞基法二十條裡面 |
| 01:27:33,280 | 01:27:35,280 | 新雇主只要承認勞工的工作年資 |
| 01:27:35,280 | 01:27:37,280 | 並不需要承認他的工作條件 |
| 01:27:37,280 | 01:27:38,280 | 從這個點 |
| 01:27:38,280 | 01:27:40,280 | 各位就可以看得出來 |
| 01:27:40,280 | 01:27:41,280 | 往下看 |
| 01:27:41,280 | 01:27:43,280 | 所以勞基法二十條呢 |
| 01:27:43,280 | 01:27:45,280 | 是我們被併購的勞工人 |
| 01:27:45,280 | 01:27:46,280 | 這二十年來 |
| 01:27:46,280 | 01:27:48,280 | 這個四五十起的一個併購案 |
| 01:27:48,280 | 01:27:50,280 | 我們公衛勞工所在 |
| 01:27:50,280 | 01:27:53,280 | 我們公衛勞工所公認的一個惡法 |
| 01:27:53,280 | 01:27:55,280 | 各位可以從勞基法第二十條 |
| 01:27:55,280 | 01:27:57,280 | 紅色的部分你可以看 |
| 01:27:57,280 | 01:27:58,280 | 在併購過程裡面 |
| 01:27:58,280 | 01:28:00,280 | 新秀雇主可以上帝留用 |
| 01:28:00,280 | 01:28:02,280 | 兩個雇主可以決定你留不留 |
| 01:28:02,280 | 01:28:03,280 | 他對於婦女 |
| 01:28:03,280 | 01:28:04,280 | 對於高齡的 |
| 01:28:04,280 | 01:28:05,280 | 對於公衛幹部 |
| 01:28:05,280 | 01:28:07,280 | 對於其他他看不順眼的這些人 |
| 01:28:07,280 | 01:28:10,280 | 他可以有一個上帝留用權 |
| 01:28:10,280 | 01:28:12,280 | 那不留用的人 |
| 01:28:12,280 | 01:28:14,280 | 他不留用只可以拿支遣費 |
| 01:28:14,280 | 01:28:15,280 | 那留用呢 |
| 01:28:15,280 | 01:28:17,280 | 他只承認你的工作年資 |
| 01:28:17,280 | 01:28:18,280 | 你的所有工作 |
| 01:28:18,280 | 01:28:19,280 | 你原雇主對你的工作條件 |
| 01:28:19,280 | 01:28:21,280 | 事實上是沒有被保護的 |
| 01:28:21,280 | 01:28:23,280 | 所以勞基法二十條 |
| 01:28:23,280 | 01:28:24,280 | 在長久以來 |
| 01:28:24,280 | 01:28:25,280 | 我們公會的質疑就是 |
| 01:28:25,280 | 01:28:27,280 | 第一個為什麼新秀雇主 |
| 01:28:27,280 | 01:28:28,280 | 他有上帝留用權 |
| 01:28:28,280 | 01:28:29,280 | 這是個很落伍的觀念 |
| 01:28:29,280 | 01:28:31,280 | 第二點新秀雇主 |
| 01:28:31,280 | 01:28:32,280 | 為什麼只承認我的工作年資 |
| 01:28:32,280 | 01:28:35,280 | 而不承認我所有的勞工條件呢 |
| 01:28:35,280 | 01:28:37,280 | 第三點就是為什麼我們在合併過程 |
| 01:28:37,280 | 01:28:38,280 | 只能拿到支遣費 |
| 01:28:38,280 | 01:28:39,280 | 我又不是表現不好 |
| 01:28:39,280 | 01:28:41,280 | 是你不喜歡我而已 |
| 01:28:41,280 | 01:28:43,280 | 那為什麼只有拿支遣費 |
| 01:28:43,280 | 01:28:45,280 | 第四點就是我們公會長久以來 |
| 01:28:45,280 | 01:28:47,280 | 我們在推動這個法令 |
| 01:28:47,280 | 01:28:48,280 | 在這個地方也先打斷 |
| 01:28:48,280 | 01:28:50,280 | 就是我感謝主委 |
| 01:28:50,280 | 01:28:53,280 | 委員這次召開的公聽會裡面 |
| 01:28:53,280 | 01:28:55,280 | 他的會議紀錄裡面 |
| 01:28:55,280 | 01:28:57,280 | 有提到很多法令的修正 |
| 01:28:57,280 | 01:28:59,280 | 這就是我們這些修正條件裡面 |
| 01:28:59,280 | 01:29:01,280 | 都有一個很重要的精髓 |
| 01:29:01,280 | 01:29:03,280 | 不管他的委員的高見 |
| 01:29:03,280 | 01:29:04,280 | 是怎麼樣調整 |
| 01:29:04,280 | 01:29:06,280 | 可是事實上他都有一個很重要的精髓 |
| 01:29:06,280 | 01:29:07,280 | 就是在併購過程裡面 |
| 01:29:07,280 | 01:29:09,280 | 必須要有勞資協商的程序 |
| 01:29:09,280 | 01:29:12,280 | 我們只要求在併購的過程裡面 |
| 01:29:12,280 | 01:29:14,280 | 我們要有一定的協商程序 |
| 01:29:14,280 | 01:29:15,280 | 我們並不是說在併購過程裡面 |
| 01:29:15,280 | 01:29:17,280 | 我們要拿多少錢又多少錢 |
| 01:29:17,280 | 01:29:18,280 | 沒有 |
| 01:29:18,280 | 01:29:20,280 | 在這個地方跟各位報告 |
| 01:29:20,280 | 01:29:21,280 | 那下一個 |
| 01:29:21,280 | 01:29:24,280 | 那影響金融業的併購 |
| 01:29:24,280 | 01:29:26,280 | 有一個另外一個很直接的 |
| 01:29:26,280 | 01:29:28,280 | 就是金融機構的合併法第十二條 |
| 01:29:28,280 | 01:29:30,280 | 各位你看他的第十二條裡面的第二點 |
| 01:29:30,280 | 01:29:32,280 | 他有一個對受僱人權益的保障 |
| 01:29:32,280 | 01:29:34,280 | 可是這個地方並沒有 |
| 01:29:34,280 | 01:29:36,280 | 這對受僱人的權益保障 |
| 01:29:36,280 | 01:29:38,280 | 並沒有經過勞資協商程序 |
| 01:29:38,280 | 01:29:39,280 | 僱主說了算 |
| 01:29:39,280 | 01:29:42,280 | 這是我們勞工團體一直非常抗拒一點 |
| 01:29:42,280 | 01:29:44,280 | 員工安置計畫從二次進台以來 |
| 01:29:44,280 | 01:29:46,280 | 沒有員工安置計畫 |
| 01:29:46,280 | 01:29:48,280 | 後來變成是僱主拿員工安置計畫 |
| 01:29:48,280 | 01:29:49,280 | 現在 |
| 01:29:50,280 | 01:29:52,280 | 我覺得國家應該要進步到 |
| 01:29:52,280 | 01:29:54,280 | 這樣的任何的一個員工安置計畫 |
| 01:29:54,280 | 01:29:56,280 | 或者是這邊下面寫對受僱人權益的保障 |
| 01:29:56,280 | 01:29:59,280 | 事實上他是需要經過勞資協商程序的 |
| 01:29:59,280 | 01:30:00,280 | 所以呢 |
| 01:30:00,280 | 01:30:03,280 | 我們不斷的在主張金融機構的合併法修正 |
| 01:30:03,280 | 01:30:05,280 | 還有勞基法第二條的修正 |
| 01:30:05,280 | 01:30:08,280 | 我在這地方也拜託委員給我們支持 |
| 01:30:08,280 | 01:30:10,280 | 對於未來不管是公共病 |
| 01:30:10,280 | 01:30:11,280 | 或者民營病 |
| 01:30:11,280 | 01:30:13,280 | 或者是國票金 |
| 01:30:13,280 | 01:30:15,280 | 未來有下一個動作的時候 |
| 01:30:15,280 | 01:30:18,280 | 我們全今年都希望 |
| 01:30:18,280 | 01:30:20,280 | 在這樣的一個法律保障底下 |
| 01:30:20,280 | 01:30:22,280 | 有一個這樣的一個勞資協商程序 |
| 01:30:22,280 | 01:30:24,280 | 所以呢我們這邊對勞基法第二 |
| 01:30:24,280 | 01:30:26,280 | 有一個出錢的一個修正的建議 |
| 01:30:26,280 | 01:30:29,280 | 就是我們要破除這個金舊 |
| 01:30:29,280 | 01:30:31,280 | 僱主協商定流動權 |
| 01:30:31,280 | 01:30:32,280 | 這是很不公平的 |
| 01:30:32,280 | 01:30:34,280 | 我們希望他承認是我們的工作條件 |
| 01:30:34,280 | 01:30:37,280 | 我們希望在這個併購過程裡面 |
| 01:30:37,280 | 01:30:39,280 | 他勞工公會應該有所謂的知情權 |
| 01:30:39,280 | 01:30:42,280 | 就是說要內容要經公會同意 |
| 01:30:42,280 | 01:30:43,280 | 如果世界單位沒有公會 |
| 01:30:43,280 | 01:30:44,280 | 是經勞資會議同意的 |
| 01:30:44,280 | 01:30:46,280 | 這是我們的一個主張 |
| 01:30:46,280 | 01:30:51,280 | 剛才我們批判了金融機構法第十二條的這樣的規範 |
| 01:30:51,280 | 01:30:54,280 | 我們希望在十二條裡面 |
| 01:30:54,280 | 01:30:56,280 | 就是最下面的這個地方 |
| 01:30:56,280 | 01:30:58,280 | 就是也要經過公會或者是沒有 |
| 01:30:58,280 | 01:30:59,280 | 或者勞資會議同意 |
| 01:30:59,280 | 01:31:00,280 | 這是我們 |
| 01:31:00,280 | 01:31:03,280 | 那講到這個地方 |
| 01:31:03,280 | 01:31:05,280 | 我要特別感謝金管會主委 |
| 01:31:05,280 | 01:31:07,280 | 還有銀行局三個局處 |
| 01:31:07,280 | 01:31:09,280 | 在併購的過程裡面 |
| 01:31:09,280 | 01:31:11,280 | 雖然法律上並沒有強制規定 |
| 01:31:11,280 | 01:31:13,280 | 要跟公會協商有關的計畫 |
| 01:31:13,280 | 01:31:15,280 | 可是這十年來的剛才上述念過的 |
| 01:31:15,280 | 01:31:16,280 | 這些和平案裡面 |
| 01:31:16,280 | 01:31:19,280 | 金管會都有盡量的站在勞工的角度 |
| 01:31:19,280 | 01:31:23,280 | 會審慎的去參酌他的一個 |
| 01:31:23,280 | 01:31:26,280 | 勞資協商的程序是不是有達到共識 |
| 01:31:26,280 | 01:31:28,280 | 變成是一個總駁的一個參考 |
| 01:31:28,280 | 01:31:31,280 | 那因為主委會高升 |
| 01:31:31,280 | 01:31:33,280 | 局長也會高升 |
| 01:31:33,280 | 01:31:35,280 | 那我們擔心改朝換代的時候 |
| 01:31:35,280 | 01:31:38,280 | 這些並沒有法律的依據保護的一個 |
| 01:31:38,280 | 01:31:39,280 | 這樣的一個機制 |
| 01:31:39,280 | 01:31:41,280 | 可能很容易被說到調整 |
| 01:31:41,280 | 01:31:44,280 | 那當然金管會對我們是很支持 |
| 01:31:44,280 | 01:31:46,280 | 我們講到最後就是說 |
| 01:31:46,280 | 01:31:48,280 | 遠方案子計畫沒有法律依據 |
| 01:31:48,280 | 01:31:50,280 | 即使我們要到一個遠方案子計畫 |
| 01:31:50,280 | 01:31:52,280 | 事實上雇主從現在的爭議裡面 |
| 01:31:52,280 | 01:31:54,280 | 最後合併這幾個案子裡面 |
| 01:31:54,280 | 01:31:56,280 | 事實上都有一些爭議不斷的發生 |
| 01:31:56,280 | 01:31:57,280 | 那因為沒有法院依據 |
| 01:31:57,280 | 01:31:59,280 | 所以我們能進行協商 |
| 01:31:59,280 | 01:32:03,280 | 或者是透過司法下去進行一個訴訟 |
| 01:32:03,280 | 01:32:07,280 | 那各位知道勞工是一個弱勢團體 |
| 01:32:07,280 | 01:32:08,280 | 老闆就是有錢 |
| 01:32:08,280 | 01:32:11,280 | 他可以給你告告到你受不了為止 |
| 01:32:11,280 | 01:32:13,280 | 所以說我們希望就是說 |
| 01:32:13,280 | 01:32:14,280 | 在這整變的過程裡面 |
| 01:32:14,280 | 01:32:17,280 | 我們經過我們一直用實際的行動 |
| 01:32:17,280 | 01:32:18,280 | 來證明這一點 |
| 01:32:18,280 | 01:32:19,280 | 我們雖然法務明定 |
| 01:32:19,280 | 01:32:21,280 | 我們也在用合併案子裡面證明 |
| 01:32:21,280 | 01:32:23,280 | 就是說合併的過程裡面 |
| 01:32:23,280 | 01:32:25,280 | 如果跟公會協商遠方計畫 |
| 01:32:25,280 | 01:32:28,280 | 事實上是不會阻礙合併的進行 |
| 01:32:28,280 | 01:32:31,280 | 甚至有助於合併的一個溝通 |
| 01:32:31,280 | 01:32:33,280 | 所以呢那金管會 |
| 01:32:33,280 | 01:32:35,280 | 我剛才講過我感謝金管會 |
| 01:32:35,280 | 01:32:37,280 | 這陣子在法務還沒有修法之前 |
| 01:32:37,280 | 01:32:40,280 | 他對於這個合併案勞工的一個 |
| 01:32:40,280 | 01:32:41,280 | 那因為僅止於默契 |
| 01:32:41,280 | 01:32:44,280 | 所以我們希望修法才是根本的解決之道 |
| 01:32:44,280 | 01:32:46,280 | 在這地方也拜託委員 |
| 01:32:46,280 | 01:32:48,280 | 在這個案子裡面繼續給我們協助 |
| 01:32:48,280 | 01:32:50,280 | 我也拜託在四合一的合併案裡面 |
| 01:32:50,280 | 01:32:52,280 | 財政部也可以督導 |
| 01:32:52,280 | 01:32:55,280 | 我們四個相關的監控長官們 |
| 01:32:55,280 | 01:32:58,280 | 那在法務修正之前 |
| 01:32:58,280 | 01:33:00,280 | 能按照以前合併案例 |
| 01:33:00,280 | 01:33:03,280 | 跟員工協調員官的資料 |
| 01:33:03,280 | 01:33:05,280 | 員工協調員官案子計畫 |
| 01:33:05,280 | 01:33:07,280 | 以上謝謝 |
| 01:33:07,280 | 01:33:12,280 | 好謝謝全金聯的中理事長的發言 |
| 01:33:12,280 | 01:33:17,280 | 下月請華南金控的公會理事長王理事長請 |
| 01:33:26,280 | 01:33:28,280 | 主席 |
| 01:33:28,280 | 01:33:31,280 | 各位委員各位主管機關的代表 |
| 01:33:31,280 | 01:33:33,280 | 各位學者專家 |
| 01:33:33,280 | 01:33:37,280 | 以及金融業的公會先進大家好 |
| 01:33:37,280 | 01:33:42,280 | 我是華南金控企業公會與子公司理事長王一賢 |
| 01:33:42,280 | 01:33:45,280 | 今天非常感謝財政委員會 |
| 01:33:45,280 | 01:33:48,280 | 給公會代表表達意見的機會 |
| 01:33:48,280 | 01:33:53,280 | 對今天討論的泛公股金融機構整併的議題 |
| 01:33:53,280 | 01:33:57,280 | 我想先清楚表達我公會的基本立場 |
| 01:33:57,280 | 01:34:03,280 | 那在現階段在金融機構合併法完善之前 |
| 01:34:03,280 | 01:34:06,280 | 我們是不贊成公共病 |
| 01:34:06,280 | 01:34:09,280 | 這是公會目前的立場 |
| 01:34:09,280 | 01:34:14,280 | 那我們今天也不是說要阻止金融的整併 |
| 01:34:14,280 | 01:34:20,280 | 而是希望建立一套可以整併可以成功的制度 |
| 01:34:20,280 | 01:34:24,280 | 公會堅決反對的是任何黑箱作業 |
| 01:34:24,280 | 01:34:28,280 | 以及損害勞工權益的整併 |
| 01:34:28,280 | 01:34:33,280 | 那期盼各位委員能夠將基層的聲音納入考量 |
| 01:34:33,280 | 01:34:37,280 | 加速推進金融機構合併法的修法 |
| 01:34:37,280 | 01:34:42,280 | 讓台灣的金融整併在法治的保障下 |
| 01:34:42,280 | 01:34:45,280 | 走向勞資雙贏的局面 |
| 01:34:45,280 | 01:34:48,280 | 那如果透過合理的整併 |
| 01:34:48,280 | 01:34:52,280 | 可以提升公股金融機構的經營效率 |
| 01:34:52,280 | 01:34:57,280 | 擴大規模強化數位轉型及國際競爭力 |
| 01:34:57,280 | 01:35:01,280 | 可是我們也必須強調 |
| 01:35:01,280 | 01:35:08,280 | 不能把裁員減薪關閉據點以及降低勞動條件 |
| 01:35:08,280 | 01:35:13,280 | 當成整併產生中效最簡單的方法 |
| 01:35:13,280 | 01:35:18,280 | 金融業最大資產不只是資本分行 |
| 01:35:18,280 | 01:35:22,280 | 資訊系統或者是客戶資料 |
| 01:35:22,280 | 01:35:27,280 | 而是長期累積專業經驗與客戶信任的員工 |
| 01:35:27,280 | 01:35:31,280 | 那如果一場整併最後造成優秀員工 |
| 01:35:31,280 | 01:35:34,280 | 優秀人才大量的離職 |
| 01:35:34,280 | 01:35:38,280 | 員工士氣低落 勞資衝突增加 |
| 01:35:38,280 | 01:35:43,280 | 即使在帳面上的資產規模變大 |
| 01:35:43,280 | 01:35:46,280 | 也未必是一場成功的整併 |
| 01:35:46,280 | 01:35:49,280 | 關於今天的第一個提綱 |
| 01:35:49,280 | 01:35:53,280 | 我想有以下的意見表達 |
| 01:35:53,280 | 01:35:56,280 | 第一個就是我們泛公股金融機構 |
| 01:35:56,280 | 01:36:00,280 | 近年來的經營績效排行逐年滑落 |
| 01:36:00,280 | 01:36:05,280 | 如何透過併購程序強化經營中效與競爭力 |
| 01:36:05,280 | 01:36:07,280 | 我們都知道最近幾年 |
| 01:36:07,280 | 01:36:11,280 | 泛公股的金融機構面臨競爭激烈 |
| 01:36:11,280 | 01:36:15,280 | 經營績效的提升確實是當務之急 |
| 01:36:15,280 | 01:36:19,280 | 然而 金融業的核心資產是人 |
| 01:36:19,280 | 01:36:24,280 | 而非冷冰冰的營業據點或者是硬體設備 |
| 01:36:24,280 | 01:36:27,280 | 過去的併購經驗告訴我們 |
| 01:36:27,280 | 01:36:32,280 | 若單純為了追求財務報表上的規模擴張 |
| 01:36:32,280 | 01:36:37,280 | 而忽略了企業文化的融合跟員工士氣 |
| 01:36:37,280 | 01:36:41,280 | 反而會導致內部動盪跟客戶的流失 |
| 01:36:41,280 | 01:36:46,280 | 要透過整併程序強化經營中效與競爭力 |
| 01:36:46,280 | 01:36:49,280 | 所要條件就是要穩定軍心 |
| 01:36:49,280 | 01:36:53,280 | 泛公股在評估併購對象 |
| 01:36:53,280 | 01:36:57,280 | 不僅是要考慮資產負債表的互補性 |
| 01:36:57,280 | 01:37:04,280 | 更應該評估雙方人事制度與員工福利的接軌程度 |
| 01:37:04,280 | 01:37:10,280 | 那唯有在員工不擔憂飯碗不飽的前提下 |
| 01:37:10,280 | 01:37:14,280 | 才能花費1加1大於2的綜效 |
| 01:37:14,280 | 01:37:21,280 | 那公會認為在合併之前有幾個問題需要釐清 |
| 01:37:21,280 | 01:37:27,280 | 第一個是就有關經營績效排行下降的真正原因是什麼 |
| 01:37:27,280 | 01:37:31,280 | 是資產規模不足還是數位轉型落後 |
| 01:37:31,280 | 01:37:35,280 | 還是海外佈局不足還是產品線不足 |
| 01:37:35,280 | 01:37:40,280 | 還是決策的速度不夠還是人才制度 |
| 01:37:40,280 | 01:37:45,280 | 還是受到公股體系政策任務的治理制度的影響 |
| 01:37:45,280 | 01:37:48,280 | 如果在以上問題還沒有診斷清楚 |
| 01:37:48,280 | 01:37:51,280 | 就直接把合併當成答案 |
| 01:37:51,280 | 01:37:55,280 | 那可能就是把兩家的問題本來就存在問題 |
| 01:37:55,280 | 01:37:57,280 | 合併在一起而已 |
| 01:37:57,280 | 01:38:02,280 | 因此我們主張財政部在提出泛公股診病政策之前 |
| 01:38:02,280 | 01:38:06,280 | 應該先提出完整的效益評估 |
| 01:38:06,280 | 01:38:10,280 | 那在現行金融機構合併法的架構下 |
| 01:38:10,280 | 01:38:16,280 | 本來就有要求合併計畫必須評估合併方式 |
| 01:38:16,280 | 01:38:21,280 | 經濟效益業務發展計畫還有未來三年的財務預測 |
| 01:38:21,280 | 01:38:25,280 | 以及必要性合理性可行性 |
| 01:38:25,280 | 01:38:31,280 | 那公會認為未來泛公股診病至少還要回答以下幾個問題 |
| 01:38:31,280 | 01:38:37,280 | 第一 合併後的三年五年具體的忠孝到底是什麼 |
| 01:38:37,280 | 01:38:41,280 | 第二是忠孝是來自於業務成長 |
| 01:38:41,280 | 01:38:46,280 | 還是來自於裁員跟降低人事成本 |
| 01:38:46,280 | 01:38:52,280 | 第三 兩家金融機構的客群分行海外據點 |
| 01:38:52,280 | 01:38:58,280 | 資訊系統以及人才究竟是互補還是高度重疊 |
| 01:38:58,280 | 01:39:06,280 | 第四 診病所需要付出的資訊整合、人事整合、品牌整合、 |
| 01:39:06,280 | 01:39:10,280 | 組織文化整合的成本是多少 |
| 01:39:10,280 | 01:39:17,280 | 第五 公股銀行背負政府政策使命與普惠金融價值的重要功能 |
| 01:39:17,280 | 01:39:24,280 | 那因為背負這些功能造成公股銀行在ROA |
| 01:39:24,280 | 01:39:31,280 | 因為資本使用效率不彰的狀況下造成落後民營銀行 |
| 01:39:31,280 | 01:39:39,280 | 那除了公股銀行還要上繳營收給財政部 |
| 01:39:39,280 | 01:39:46,280 | 那合併之後是不是會造成上繳的營收跟減少放款金額 |
| 01:39:46,280 | 01:39:53,280 | 那對政府、對銀行客戶來說合併是良藥還是毒藥 |
| 01:39:53,280 | 01:40:01,280 | 我們尤其要提醒不能把減少員工計算成診病的最主要的忠孝 |
| 01:40:01,280 | 01:40:07,280 | 因為這種忠孝在短期內在財報上面是比較好看 |
| 01:40:07,280 | 01:40:13,280 | 可是在長期而言可能會造成品質、服務品質的下降 |
| 01:40:13,280 | 01:40:18,280 | 以及人才斷層以及造成內部控制的風險 |
| 01:40:19,280 | 01:40:26,280 | 所以工會支持的是以成長創造忠孝而不是以裁員創造忠孝 |
| 01:40:26,280 | 01:40:34,280 | 我們最後要再強調工會反對用犧牲員工來證明診病是有忠孝的 |
| 01:40:34,280 | 01:40:38,280 | 金融機構最大資產是人,把人才留下來 |
| 01:40:38,280 | 01:40:42,280 | 把員工安定才有可能把客戶留下來 |
| 01:40:42,280 | 01:40:44,280 | 也才有真正的診病忠孝 |
| 01:40:44,280 | 01:40:45,280 | 以上謝謝 |
| 01:40:48,280 | 01:40:54,280 | 謝謝華南京工會理事長、理事長、同胞、還有最後一位專家學者 |
| 01:40:54,280 | 01:40:59,280 | 請一下淡江大學財經系的聶建宗教授請 |
| 01:41:06,280 | 01:41:10,280 | 今天有限就話不遲疑,我就開始講我要講的 |
| 01:41:10,280 | 01:41:12,280 | 那麼首先也表達一下 |
| 01:41:12,280 | 01:41:15,280 | 雖然我在學界但是我在販官股銀行 |
| 01:41:15,280 | 01:41:17,280 | 是一家非常特別的販官股銀行 |
| 01:41:17,280 | 01:41:20,280 | 這家是完全在台灣唯一官民共治的販官股 |
| 01:41:20,280 | 01:41:22,280 | 當了十幾年的董事 |
| 01:41:22,280 | 01:41:27,280 | 所以在裡面也看了非常多的上上下下的所有裡面的氛圍 |
| 01:41:27,280 | 01:41:31,280 | 但是我對所謂的財政販官股機構的未來趨勢 |
| 01:41:31,280 | 01:41:35,280 | 短縱期的策略計畫對我做一些我想要的講法 |
| 01:41:35,280 | 01:41:37,280 | 那麼一開始我要講一下就是 |
| 01:41:37,280 | 01:41:40,280 | 竟然是販官股你拿的錢是納稅義務人的錢 |
| 01:41:40,280 | 01:41:44,280 | 你首先必須要秉持良心、道德與責任 |
| 01:41:44,280 | 01:41:47,280 | 當時在2008年我被任命的時候 |
| 01:41:47,280 | 01:41:50,280 | 那時候的財政部長也是給了我這樣的一個感覺 |
| 01:41:50,280 | 01:41:51,280 | 因為我問了他 |
| 01:41:51,280 | 01:41:53,280 | 說到底我要做什麼 |
| 01:41:53,280 | 01:41:55,280 | 我將來要怎麼做要怎麼回報 |
| 01:41:55,280 | 01:41:58,280 | 他說No,聶教授以你的專業 |
| 01:41:58,280 | 01:42:00,280 | 替國家的錢納稅義務人進去的時候 |
| 01:42:00,280 | 01:42:02,280 | 幫國家做財務把關 |
| 01:42:02,280 | 01:42:05,280 | 替納稅義務人爭取權益就對了 |
| 01:42:05,280 | 01:42:06,280 | 我聽了以後非常棒 |
| 01:42:06,280 | 01:42:08,280 | 我說那他說有問題再回報 |
| 01:42:08,280 | 01:42:09,280 | 我說那太好了 |
| 01:42:09,280 | 01:42:12,280 | 當然我在做的那個黨在這個歷任間 |
| 01:42:12,280 | 01:42:14,280 | 幾乎沒有什麼問題 |
| 01:42:14,280 | 01:42:16,280 | 而且我在的這一家金控 |
| 01:42:16,280 | 01:42:18,280 | 我非常的感覺非常溫馨 |
| 01:42:18,280 | 01:42:19,280 | 因為販官民共志 |
| 01:42:19,280 | 01:42:23,280 | 所以官民共志銀行它是有很多感情和溫度在裡面的 |
| 01:42:23,280 | 01:42:24,280 | 我在裡面非常的舒服 |
| 01:42:24,280 | 01:42:27,280 | 在這十年的日子裡 |
| 01:42:27,280 | 01:42:31,280 | 而且到現在無法忘記在過去的快樂時光 |
| 01:42:31,280 | 01:42:32,280 | 不過不管怎麼說 |
| 01:42:32,280 | 01:42:35,280 | 雖然這個官民共志給了我很多的溫暖 |
| 01:42:35,280 | 01:42:37,280 | 我還是要講一下我們國家的錢的使用 |
| 01:42:37,280 | 01:42:38,280 | 不可以亂用 |
| 01:42:38,280 | 01:42:39,280 | 當然要怎麼使用 |
| 01:42:39,280 | 01:42:42,280 | 那當然就是你要為全民大股東 |
| 01:42:42,280 | 01:42:44,280 | 因為我們納稅人就是全民股東 |
| 01:42:44,280 | 01:42:46,280 | 全民股東的錢你一定要替他把關 |
| 01:42:46,280 | 01:42:48,280 | 首先我們很快講一下 |
| 01:42:48,280 | 01:42:51,280 | 政府實質持股的比例做一個所謂的扒收 |
| 01:42:51,280 | 01:42:54,280 | 那我們可以看到這裡有六家 |
| 01:42:54,280 | 01:42:55,280 | 包括銀行有兩家 |
| 01:42:55,280 | 01:42:56,280 | 我用藍色的底 |
| 01:42:56,280 | 01:42:58,280 | 就是中小企業及商銀 |
| 01:42:58,280 | 01:42:59,280 | 它是也叫做販官股 |
| 01:42:59,280 | 01:43:01,280 | 但是它是銀行體系 |
| 01:43:01,280 | 01:43:03,280 | 而我們現在在listing company是用金控 |
| 01:43:03,280 | 01:43:06,280 | 當然金控很多可能是銀行為主體 |
| 01:43:06,280 | 01:43:08,280 | 不管怎麼說我們可以看到下面幾家 |
| 01:43:08,280 | 01:43:11,280 | 當然其中有一家就是我一直很懷念的一家 |
| 01:43:11,280 | 01:43:13,280 | 總共是有六家 |
| 01:43:13,280 | 01:43:16,280 | 不管怎麼說我們所有的八大行庫大概就是這裡 |
| 01:43:16,280 | 01:43:18,280 | 當然再加上我們純屬百分百持股的 |
| 01:43:18,280 | 01:43:20,280 | 台灣銀行土地銀行 |
| 01:43:20,280 | 01:43:22,280 | 當然我們有所謂廣義的定義 |
| 01:43:22,280 | 01:43:24,280 | 還有就是只有財政部持股的定義 |
| 01:43:24,280 | 01:43:25,280 | 各位看一下就好了 |
| 01:43:25,280 | 01:43:27,280 | 我們看下一頁 |
| 01:43:27,280 | 01:43:29,280 | 這不是自己調控是嗎 |
| 01:43:29,280 | 01:43:31,280 | 當然這裡要解讀一下 |
| 01:43:31,280 | 01:43:33,280 | 當然我一直強調這個官民共志 |
| 01:43:33,280 | 01:43:34,280 | 這是一個典範 |
| 01:43:34,280 | 01:43:36,280 | 當然這是一個零家 |
| 01:43:36,280 | 01:43:37,280 | 我們都知道零家花園 |
| 01:43:37,280 | 01:43:38,280 | 當然它的資產夠 |
| 01:43:38,280 | 01:43:42,280 | 當然他們從過去1919年到現在 |
| 01:43:42,280 | 01:43:45,280 | 當然現在有一個很有感情氛圍的官民共志 |
| 01:43:45,280 | 01:43:47,280 | 所以官方也很重視這個民股 |
| 01:43:47,280 | 01:43:48,280 | 這是一個典範 |
| 01:43:48,280 | 01:43:50,280 | 再來第二個我們也知道 |
| 01:43:50,280 | 01:43:56,280 | 2002年交通銀行跟ICPC病理後成了兆豐金 |
| 01:43:56,280 | 01:44:00,280 | 這一個純公股核心的官股 |
| 01:44:00,280 | 01:44:02,280 | 大家知道這個在整病之初 |
| 01:44:02,280 | 01:44:03,280 | 故事非常多 |
| 01:44:03,280 | 01:44:06,280 | 2002年12月的時候三大整病案 |
| 01:44:06,280 | 01:44:07,280 | 這個是最失敗的一個 |
| 01:44:07,280 | 01:44:11,280 | 當時的泛官股的整病是有很多的問題的 |
| 01:44:11,280 | 01:44:13,280 | 不過後來當然走上了不錯的路程 |
| 01:44:13,280 | 01:44:15,280 | 當時我是用比較的 |
| 01:44:15,280 | 01:44:16,280 | 另外兩個比較成功 |
| 01:44:16,280 | 01:44:18,280 | 在2002年大家都知道是富邦跟台北 |
| 01:44:18,280 | 01:44:21,280 | 大家以為是小的富邦病大的台北 |
| 01:44:21,280 | 01:44:22,280 | 其實並不是 |
| 01:44:22,280 | 01:44:24,280 | 我幫當時的馬英九講點話非常清楚 |
| 01:44:24,280 | 01:44:26,280 | 是富邦是在金控成立之前 |
| 01:44:26,280 | 01:44:27,280 | 就是一個三角都 |
| 01:44:27,280 | 01:44:28,280 | 就是一個有三隻腳 |
| 01:44:28,280 | 01:44:30,280 | 證券銀行保險都非常穩的 |
| 01:44:30,280 | 01:44:32,280 | 所以是一個大的富邦金 |
| 01:44:32,280 | 01:44:34,280 | 類比金來併了台北銀行的 |
| 01:44:34,280 | 01:44:36,280 | 第三個當然我覺得也算成功 |
| 01:44:36,280 | 01:44:38,280 | 是一個保險大怪獸去併了 |
| 01:44:38,280 | 01:44:41,280 | 在普通第一個在2001年就試點的 |
| 01:44:41,280 | 01:44:43,280 | 這個叫世界華僑銀行的四華銀行 |
| 01:44:43,280 | 01:44:46,280 | 因為再大的體質你是保險也好 |
| 01:44:46,280 | 01:44:47,280 | 是一個票券也好 |
| 01:44:47,280 | 01:44:50,280 | 如果你沒有銀行通路根本走不出去 |
| 01:44:50,280 | 01:44:51,280 | 銀行就是你的眼睛 |
| 01:44:51,280 | 01:44:53,280 | 就是你的腳就是你的觸角 |
| 01:44:53,280 | 01:44:54,280 | 你沒有銀行就不行 |
| 01:44:54,280 | 01:44:56,280 | 所以國內非常充分的四華銀行 |
| 01:44:56,280 | 01:44:57,280 | 因此當時在2009年 |
| 01:44:57,280 | 01:44:59,280 | 第一次到大陸去的六家銀行 |
| 01:44:59,280 | 01:45:00,280 | 五家官股 |
| 01:45:00,280 | 01:45:02,280 | 只有一家叫國泰四華就這樣來的 |
| 01:45:02,280 | 01:45:05,280 | 第三個張銀回歸全公務主導這應該的 |
| 01:45:05,280 | 01:45:07,280 | 因為在民國94年就是一個特別股案 |
| 01:45:07,280 | 01:45:09,280 | 這個案子太奇怪了 |
| 01:45:09,280 | 01:45:10,280 | 怎麼特別股還有選舉權呢 |
| 01:45:10,280 | 01:45:12,280 | 當然這是五大弊端之一 |
| 01:45:12,280 | 01:45:16,280 | 因此讓台新也成了一個類官民共志 |
| 01:45:16,280 | 01:45:17,280 | 可是這樣有點怪怪的 |
| 01:45:17,280 | 01:45:20,280 | 所以最後你會發覺郭啟榮號稱的三商銀 |
| 01:45:20,280 | 01:45:21,280 | 一銀的體質一直不錯 |
| 01:45:21,280 | 01:45:24,280 | 當然華銀一直在猛後直追 |
| 01:45:24,280 | 01:45:26,280 | 但是我們的張銀真的就輸得很多 |
| 01:45:26,280 | 01:45:28,280 | 所以張銀現在回歸公務主導 |
| 01:45:28,280 | 01:45:29,280 | 有他的道理 |
| 01:45:29,280 | 01:45:31,280 | 但是公股一定要好好的經營 |
| 01:45:31,280 | 01:45:33,280 | 否則的話也會出問題下一頁 |
| 01:45:33,280 | 01:45:34,280 | 好那我們時間的關係 |
| 01:45:34,280 | 01:45:36,280 | 我們這方面一個字叫Final Reform |
| 01:45:36,280 | 01:45:38,280 | 金融改革不斷的有 |
| 01:45:38,280 | 01:45:39,280 | 我們一次金改二次金改 |
| 01:45:39,280 | 01:45:41,280 | 是叫民進黨一次金改二次金改 |
| 01:45:41,280 | 01:45:42,280 | 過去我們在1990年 |
| 01:45:42,280 | 01:45:45,280 | 我們從1966年我們的經濟慢慢活絡之後 |
| 01:45:45,280 | 01:45:48,280 | 我們的活水為了要流要Catch Flow |
| 01:45:48,280 | 01:45:50,280 | 我們就慢慢逐步開放了銀行 |
| 01:45:50,280 | 01:45:51,280 | 像我們講的四華銀行 |
| 01:45:51,280 | 01:45:52,280 | 台北銀行高雄銀行 |
| 01:45:52,280 | 01:45:55,280 | 都是在1966年到1990年開放 |
| 01:45:55,280 | 01:45:56,280 | 1990年之後 |
| 01:45:56,280 | 01:45:59,280 | 當時的王健開放從25家變52家 |
| 01:45:59,280 | 01:46:01,280 | 與後存存的銀行開始惡性競爭 |
| 01:46:01,280 | 01:46:02,280 | 預防比增高 |
| 01:46:02,280 | 01:46:05,280 | 後來資本數字都出問題 |
| 01:46:05,280 | 01:46:07,280 | 因此兩天才會有金控法 |
| 01:46:07,280 | 01:46:08,280 | 我現在講的是Final Reform |
| 01:46:08,280 | 01:46:10,280 | 在第一次的258兩年內 |
| 01:46:10,280 | 01:46:12,280 | 2001年要達到 |
| 01:46:12,280 | 01:46:15,280 | 所以預防比5以下資本稅8以上 |
| 01:46:15,280 | 01:46:17,280 | 非常的算不錯我是支持的 |
| 01:46:17,280 | 01:46:19,280 | 不過第二次就因為錢的問題 |
| 01:46:19,280 | 01:46:20,280 | 一堆的弊端 |
| 01:46:20,280 | 01:46:22,280 | 還不止五大弊端就出現了 |
| 01:46:22,280 | 01:46:24,280 | 我現在講的就是你公股後代手裡 |
| 01:46:24,280 | 01:46:26,280 | 國家的錢是最敏感 |
| 01:46:26,280 | 01:46:27,280 | 一定要非常小心 |
| 01:46:27,280 | 01:46:29,280 | 金融機構整病它有它的必要 |
| 01:46:29,280 | 01:46:30,280 | 但是怎麼說是必要呢 |
| 01:46:30,280 | 01:46:32,280 | 因為現在我們都知道 |
| 01:46:32,280 | 01:46:33,280 | 現在民營的銀行 |
| 01:46:33,280 | 01:46:34,280 | 譬如中國金融啊 |
| 01:46:34,280 | 01:46:35,280 | 或者富邦病日盛 |
| 01:46:35,280 | 01:46:37,280 | 台金病新光這是最近的事 |
| 01:46:37,280 | 01:46:39,280 | 我也引述寫了很多的文章 |
| 01:46:39,280 | 01:46:40,280 | 不過最重要的事情是 |
| 01:46:40,280 | 01:46:43,280 | 公股如果還用最以前的 |
| 01:46:43,280 | 01:46:45,280 | 公務心態去做事的話 |
| 01:46:45,280 | 01:46:46,280 | 我跟你講沒有辦法去 |
| 01:46:46,280 | 01:46:48,280 | 跟這個比較活潑 active |
| 01:46:48,280 | 01:46:51,280 | 甚至帶一個帥哥美女在門面的 |
| 01:46:51,280 | 01:46:53,280 | 所謂的民股銀行要贏得多 |
| 01:46:53,280 | 01:46:55,280 | 這個整病或者改革是有它的必要性 |
| 01:46:55,280 | 01:46:56,280 | 還有迫切性 |
| 01:46:56,280 | 01:46:58,280 | 那我就說從所見 |
| 01:46:58,280 | 01:47:00,280 | 競爭力還有獲利的結構非常重要 |
| 01:47:00,280 | 01:47:03,280 | 當然時間的關係我不可能一一講得太清楚 |
| 01:47:03,280 | 01:47:04,280 | 打破過度的同質性競爭 |
| 01:47:04,280 | 01:47:06,280 | 優化財務或獲利利率 |
| 01:47:06,280 | 01:47:08,280 | 還要推動這個獲利多元化 |
| 01:47:08,280 | 01:47:09,280 | 擴大經濟規模 |
| 01:47:09,280 | 01:47:11,280 | 最後財務當裡面就有報告 |
| 01:47:11,280 | 01:47:13,280 | 公股必須支離一個明確的併購策略 |
| 01:47:13,280 | 01:47:14,280 | 這個非常重要 |
| 01:47:14,280 | 01:47:15,280 | 策略要明確 |
| 01:47:15,280 | 01:47:17,280 | 就像我們所有東西要強調透明一樣 |
| 01:47:17,280 | 01:47:19,280 | 然後尋找最重要一個叫業務要互補 |
| 01:47:19,280 | 01:47:21,280 | 我待會會講的這互補的重要性 |
| 01:47:21,280 | 01:47:23,280 | 最後獲利要多元化 |
| 01:47:23,280 | 01:47:24,280 | 因為大家都知道 |
| 01:47:24,280 | 01:47:25,280 | 我們世界已經改了 |
| 01:47:25,280 | 01:47:29,280 | 從2001年的Final Innovation到後來的Final Engineering |
| 01:47:29,280 | 01:47:32,280 | 到後來的West Management在2003年 |
| 01:47:32,280 | 01:47:35,280 | 我們在延續業開始有所謂的以財規劃式的考照 |
| 01:47:35,280 | 01:47:37,280 | 我們美國的CAP也在2002年出來 |
| 01:47:37,280 | 01:47:40,280 | 這個財務管理這些多元化都要做得很好 |
| 01:47:40,280 | 01:47:43,280 | 才補不到才有辦法壯大業務能量 |
| 01:47:43,280 | 01:47:44,280 | 公股銀行必須知道這個 |
| 01:47:44,280 | 01:47:45,280 | 好 下面一頁 |
| 01:47:45,280 | 01:47:47,280 | 下一頁 好 不好意思 |
| 01:47:47,280 | 01:47:49,280 | 那當整個我們剛剛講必要性 |
| 01:47:49,280 | 01:47:50,280 | 必要的 但先迫切 |
| 01:47:50,280 | 01:47:52,280 | 因為剛剛講到外在環境 |
| 01:47:52,280 | 01:47:56,280 | 民營銀行的獲利基礎也這樣雙面夾殺 |
| 01:47:56,280 | 01:47:57,280 | 各位去看一下很多民營銀行 |
| 01:47:57,280 | 01:47:59,280 | 真的連他們派的董事薪水都很高 |
| 01:47:59,280 | 01:48:01,280 | 為什麼 因為他們獲利很高 |
| 01:48:01,280 | 01:48:05,280 | 因為他們比較能夠自由奔放 |
| 01:48:05,280 | 01:48:07,280 | 好 那我們時間非常有限 |
| 01:48:07,280 | 01:48:08,280 | 好 那不管怎麼樣 |
| 01:48:08,280 | 01:48:10,280 | 好啦 那我們時間太有限了 |
| 01:48:10,280 | 01:48:13,280 | 所以我們先講一下財政部最新的書面報告 |
| 01:48:13,280 | 01:48:16,280 | 當然就要講到公共病的效益供應等等的 |
| 01:48:16,280 | 01:48:17,280 | 我們在下一頁 |
| 01:48:17,280 | 01:48:19,280 | 我每次來這邊做太多 |
| 01:48:19,280 | 01:48:20,280 | 這個實在是講不下去 |
| 01:48:20,280 | 01:48:21,280 | 來 再下一頁 |
| 01:48:21,280 | 01:48:23,280 | 來 我們的下一頁非常重要 |
| 01:48:23,280 | 01:48:25,280 | 我們講 官務一定要對股東做三星責任 |
| 01:48:25,280 | 01:48:27,280 | 這責任最重要就是保障股東權益 |
| 01:48:27,280 | 01:48:29,280 | 我們講公民對待資金投資我們都不講了 |
| 01:48:29,280 | 01:48:31,280 | 你有我有併購之後才能查到3C效果 |
| 01:48:31,280 | 01:48:33,280 | 才能產生Synergy縱效 |
| 01:48:33,280 | 01:48:34,280 | 你才能獲取營業利益 |
| 01:48:34,280 | 01:48:36,280 | 然後股東的價值才會提升 |
| 01:48:36,280 | 01:48:38,280 | 就是達到了我們財富的第一個叫股東價值提升 |
| 01:48:38,280 | 01:48:39,280 | 好 下面一頁 |
| 01:48:39,280 | 01:48:40,280 | 好 下面也很重要 |
| 01:48:40,280 | 01:48:43,280 | 這個就是我們在2001年訂基金供法的時候 |
| 01:48:43,280 | 01:48:44,280 | 強調的一個3C效果 |
| 01:48:44,280 | 01:48:45,280 | 要Cross Selling |
| 01:48:45,280 | 01:48:47,280 | Cross Selling and Capital Efficiency |
| 01:48:47,280 | 01:48:49,280 | 這個是正面大於負面 |
| 01:48:49,280 | 01:48:50,280 | 但負面也是有像Cross Selling |
| 01:48:50,280 | 01:48:53,280 | 你只要把員工一整合 效率一整合 |
| 01:48:53,280 | 01:48:54,280 | 員工就出問題 |
| 01:48:54,280 | 01:48:56,280 | 當時最麻煩就是富邦金就說 |
| 01:48:56,280 | 01:48:57,280 | 我並台北京你們不要緊張 |
| 01:48:57,280 | 01:48:58,280 | 我不會解僱你們的 |
| 01:48:58,280 | 01:48:59,280 | 保證一年不會解僱 |
| 01:48:59,280 | 01:49:01,280 | 第二年解僱 |
| 01:49:01,280 | 01:49:03,280 | 所以我的學生當時富邦金的富永講說 |
| 01:49:03,280 | 01:49:04,280 | 好多人都很緊張 |
| 01:49:04,280 | 01:49:06,280 | 說他知道明年一定被解僱 |
| 01:49:06,280 | 01:49:08,280 | Anyway 大家去想一下這個失業的問題 |
| 01:49:08,280 | 01:49:10,280 | 好 縱效怎麼產生 |
| 01:49:10,280 | 01:49:11,280 | 沒辦法講 |
| 01:49:11,280 | 01:49:12,280 | 那縱效裡面有三樣東西 |
| 01:49:12,280 | 01:49:13,280 | 就是兩個 |
| 01:49:13,280 | 01:49:14,280 | 一個要增加Revenue |
| 01:49:14,280 | 01:49:16,280 | 兩個Cross Selling |
| 01:49:16,280 | 01:49:17,280 | 就是我們右邊的選議表 |
| 01:49:17,280 | 01:49:18,280 | 我們要一加一 |
| 01:49:18,280 | 01:49:19,280 | 像我和我太結婚 |
| 01:49:19,280 | 01:49:20,280 | 要生三個孩子 |
| 01:49:20,280 | 01:49:21,280 | 叫做一加一大於五 |
| 01:49:21,280 | 01:49:22,280 | 這非常重要 |
| 01:49:22,280 | 01:49:23,280 | 你不能只是大於二 |
| 01:49:23,280 | 01:49:24,280 | 而且要互補 |
| 01:49:24,280 | 01:49:26,280 | 一男一女就可以生下三個孩子 |
| 01:49:26,280 | 01:49:28,280 | Anyway 公共病 公民病 |
| 01:49:28,280 | 01:49:29,280 | 到底什麼比較好 |
| 01:49:29,280 | 01:49:31,280 | 我跟你講 這一定是因事之疑 |
| 01:49:31,280 | 01:49:32,280 | 因地之疑 |
| 01:49:32,280 | 01:49:33,280 | 這不一定的 |
| 01:49:33,280 | 01:49:34,280 | 要看哪一種 |
| 01:49:34,280 | 01:49:35,280 | 我先講剛剛有人講國票 |
| 01:49:35,280 | 01:49:36,280 | 我今天天天上電視 |
| 01:49:36,280 | 01:49:37,280 | 我明天還有三台電視 |
| 01:49:37,280 | 01:49:38,280 | 有兩個都要講國票 |
| 01:49:38,280 | 01:49:40,280 | 國票的問題真的是非常大 |
| 01:49:40,280 | 01:49:41,280 | 我是這樣認為的 |
| 01:49:41,280 | 01:49:42,280 | 今天你沒有觀察你票捐 |
| 01:49:42,280 | 01:49:43,280 | 你要的銀行 |
| 01:49:43,280 | 01:49:44,280 | 之前有個安泰銀行 |
| 01:49:44,280 | 01:49:45,280 | 你現在呢 |
| 01:49:45,280 | 01:49:46,280 | 兆豐也不想要你 |
| 01:49:46,280 | 01:49:47,280 | 這個第一也不想要你 |
| 01:49:47,280 | 01:49:49,280 | 現在國票走哪一條路不知道 |
| 01:49:49,280 | 01:49:51,280 | 我覺得翻股你可以做公共病 |
| 01:49:51,280 | 01:49:52,280 | 但是我覺得公民病可能更好 |
| 01:49:52,280 | 01:49:53,280 | 這就是要達到互補 |
| 01:49:53,280 | 01:49:55,280 | 如果有公共病是不同的是 |
| 01:49:55,280 | 01:49:56,280 | 同職異業 |
| 01:49:56,280 | 01:49:58,280 | 同業異職喔 |
| 01:49:58,280 | 01:49:59,280 | 你是同業沒有關 |
| 01:49:59,280 | 01:50:00,280 | 都金融業 |
| 01:50:00,280 | 01:50:01,280 | 但你異職不同業 |
| 01:50:01,280 | 01:50:02,280 | 只要達到的所謂的 |
| 01:50:02,280 | 01:50:03,280 | Complementary叫做互補 |
| 01:50:03,280 | 01:50:05,280 | 你就可能成功好下去 |
| 01:50:05,280 | 01:50:06,280 | 我們時間很有限 |
| 01:50:06,280 | 01:50:07,280 | 我知道時間不夠了 |
| 01:50:07,280 | 01:50:09,280 | Anyway 合金的策略怎麼做 |
| 01:50:09,280 | 01:50:10,280 | 我覺得有一些 |
| 01:50:10,280 | 01:50:12,280 | 政策性的步驟要走 |
| 01:50:12,280 | 01:50:15,280 | 假設我有機會再講清楚的話 |
| 01:50:15,280 | 01:50:17,280 | 甚至我覺得在短中長期 |
| 01:50:17,280 | 01:50:18,280 | 如何 |
| 01:50:18,280 | 01:50:20,280 | 我昨天在一個電視開玩笑 |
| 01:50:20,280 | 01:50:21,280 | 叫蘇明大頭 |
| 01:50:21,280 | 01:50:22,280 | 我說國標金證 |
| 01:50:22,280 | 01:50:23,280 | 有些問題 |
| 01:50:23,280 | 01:50:24,280 | 如果今天讓我來做 |
| 01:50:24,280 | 01:50:25,280 | 我搞不好就把它做好了 |
| 01:50:25,280 | 01:50:26,280 | 當然我沒有這個機會 |
| 01:50:26,280 | 01:50:27,280 | 不會真的想做 |
| 01:50:27,280 | 01:50:28,280 | 我就可以把它 |
| 01:50:28,280 | 01:50:29,280 | 一步一步到位 |
| 01:50:29,280 | 01:50:30,280 | 我覺得這個 |
| 01:50:30,280 | 01:50:31,280 | 整病的過程 |
| 01:50:31,280 | 01:50:33,280 | 只要去抽絲剝繭 |
| 01:50:33,280 | 01:50:35,280 | 它的財報把它弄得清楚 |
| 01:50:35,280 | 01:50:36,280 | 以及它最重要的 |
| 01:50:36,280 | 01:50:37,280 | 剛剛又講到幾個重要的點 |
| 01:50:37,280 | 01:50:39,280 | 我這樣講一下就好了 |
| 01:50:39,280 | 01:50:40,280 | 二列金證 |
| 01:50:40,280 | 01:50:41,280 | 公平病也好 |
| 01:50:41,280 | 01:50:42,280 | 我沒有說只是哪一方 |
| 01:50:42,280 | 01:50:44,280 | 但是整病是非常重要的 |
| 01:50:44,280 | 01:50:46,280 | 就你一定要評估效益 |
| 01:50:46,280 | 01:50:48,280 | 還有一定要考慮到員工的信心 |
| 01:50:48,280 | 01:50:50,280 | 剛剛講到文化非常重要 |
| 01:50:50,280 | 01:50:52,280 | 如果你只是考慮到財務 |
| 01:50:52,280 | 01:50:53,280 | 企業文化 |
| 01:50:53,280 | 01:50:54,280 | 員工信心不符 |
| 01:50:54,280 | 01:50:55,280 | 你就沒辦法穩定軍心 |
| 01:50:55,280 | 01:50:56,280 | 剛才我們 |
| 01:50:56,280 | 01:50:58,280 | 過去的黃安經理事長講到這個 |
| 01:50:58,280 | 01:50:59,280 | 因為我覺得穩定軍心很重要 |
| 01:50:59,280 | 01:51:01,280 | 因為我以前在的一家金控公司 |
| 01:51:01,280 | 01:51:02,280 | 軍心很穩定 |
| 01:51:02,280 | 01:51:03,280 | 每次到年底的時候 |
| 01:51:03,280 | 01:51:04,280 | 還會有很棒的參會 |
| 01:51:04,280 | 01:51:05,280 | 還有很棒的委員 |
| 01:51:05,280 | 01:51:07,280 | 我想你想走都不會想走 |
| 01:51:07,280 | 01:51:08,280 | 這是重點 |
| 01:51:08,280 | 01:51:09,280 | 後面我就不多講了 |
| 01:51:09,280 | 01:51:10,280 | 包括適合醫的問題 |
| 01:51:10,280 | 01:51:11,280 | 謝謝大家 |
| 01:51:15,280 | 01:51:19,280 | 謝謝聶教授的發言 |
| 01:51:19,280 | 01:51:22,280 | 抱歉沒辦法讓你上訴議員 |
| 01:51:22,280 | 01:51:24,280 | 我知道你準備很多的資料 |
| 01:51:24,280 | 01:51:28,280 | 好 我們在所有的學者專家 |
| 01:51:28,280 | 01:51:29,280 | 都發言過了 |
| 01:51:29,280 | 01:51:31,280 | 我們現在先請 |
| 01:51:31,280 | 01:51:35,280 | 這個犯公股的部分 |
| 01:51:35,280 | 01:51:37,280 | 來做一個訪問 |
| 01:51:37,280 | 01:51:40,280 | 來做簡單的回應 |
| 01:51:40,280 | 01:51:42,280 | 首先第一個請 |
| 01:51:42,280 | 01:51:44,280 | 這個犯公股的龍頭 |
| 01:51:44,280 | 01:51:46,280 | 趙豐金的總統好不好 |
| 01:51:50,280 | 01:51:52,280 | 因為我們的加速比較多 |
| 01:51:52,280 | 01:51:54,280 | 也就上三分鐘好不好 |
| 01:51:54,280 | 01:51:56,280 | 你三分鐘對公共病這個題目 |
| 01:51:56,280 | 01:51:58,280 | 有什麼看法 |
| 01:52:00,280 | 01:52:02,280 | 主席各位先進 |
| 01:52:02,280 | 01:52:04,280 | 我們在座的 |
| 01:52:04,280 | 01:52:06,280 | 所有這些犯公股的總總 |
| 01:52:06,280 | 01:52:09,280 | 都是官派的專業經理人 |
| 01:52:09,280 | 01:52:10,280 | 所以像公共病也好 |
| 01:52:10,280 | 01:52:11,280 | 公民病也好 |
| 01:52:11,280 | 01:52:13,280 | 或任何甚至牽涉到股東 |
| 01:52:13,280 | 01:52:14,280 | 重大權益的事情 |
| 01:52:14,280 | 01:52:16,280 | 在政策的研議過程當中 |
| 01:52:16,280 | 01:52:18,280 | 當然我們一定會把我們的 |
| 01:52:18,280 | 01:52:20,280 | 因為我們身為專業經理人 |
| 01:52:20,280 | 01:52:21,280 | 我們一定會把我們的想法 |
| 01:52:21,280 | 01:52:23,280 | 誠實的跟所有的政策的 |
| 01:52:23,280 | 01:52:25,280 | 製定者長官報告 |
| 01:52:25,280 | 01:52:27,280 | 在這種各種討論之後 |
| 01:52:27,280 | 01:52:28,280 | 做成的決定 |
| 01:52:28,280 | 01:52:30,280 | 那當然我們就一定來執行 |
| 01:52:30,280 | 01:52:31,280 | 所以沒有所謂 |
| 01:52:31,280 | 01:52:33,280 | 我們不執行這樣的一個道理 |
| 01:52:33,280 | 01:52:35,280 | 我們就是在做政策的凝聚過程當中 |
| 01:52:35,280 | 01:52:37,280 | 我們一定盡我們的義務 |
| 01:52:37,280 | 01:52:39,280 | 會把我們的想法充分的反應出來 |
| 01:52:39,280 | 01:52:40,280 | 那我們的想法 |
| 01:52:40,280 | 01:52:42,280 | 譬如說剛剛講的公共病 |
| 01:52:42,280 | 01:52:43,280 | 我們的想法是什麼 |
| 01:52:43,280 | 01:52:44,280 | 剛剛學者專家 |
| 01:52:44,280 | 01:52:46,280 | 甚至我們的公會都講了很多 |
| 01:52:46,280 | 01:52:47,280 | 有沒有新的級的問題 |
| 01:52:47,280 | 01:52:50,280 | 有沒有1加1大以2大以3的問題 |
| 01:52:50,280 | 01:52:51,280 | 可不可以達到這樣的目的 |
| 01:52:51,280 | 01:52:54,280 | 或者說甚至有沒有企業文化的問題 |
| 01:52:54,280 | 01:52:56,280 | 然後對員工的安置 |
| 01:52:56,280 | 01:52:59,280 | 對我們的所有客戶的保障問題 |
| 01:52:59,280 | 01:53:00,280 | 這些當然我們都必須要 |
| 01:53:00,280 | 01:53:01,280 | 把它反應出來 |
| 01:53:01,280 | 01:53:03,280 | 我們認為對跟錯 |
| 01:53:03,280 | 01:53:05,280 | 我們都必須要把它反應出來 |
| 01:53:05,280 | 01:53:07,280 | 那這個在整個政策凝聚的過程當中 |
| 01:53:07,280 | 01:53:09,280 | 我們一定會按照這樣做 |
| 01:53:09,280 | 01:53:10,280 | 做完之後 |
| 01:53:10,280 | 01:53:12,280 | 接下來政策自定了 |
| 01:53:12,280 | 01:53:14,280 | 我們再來按照政策來執行 |
| 01:53:14,280 | 01:53:16,280 | 中間有任何的 |
| 01:53:16,280 | 01:53:18,280 | 只要是政策一自定 |
| 01:53:18,280 | 01:53:19,280 | 有任何的這些困難 |
| 01:53:19,280 | 01:53:21,280 | 當然我們就會一一去排除 |
| 01:53:21,280 | 01:53:23,280 | 這是我基本的看法 |
| 01:53:23,280 | 01:53:24,280 | 謝謝 |
| 01:53:24,280 | 01:53:25,280 | 好 謝謝 |
| 01:53:25,280 | 01:53:27,280 | 所以董董的意思是 |
| 01:53:27,280 | 01:53:28,280 | 要聽財政部的 |
| 01:53:28,280 | 01:53:30,280 | 財政部說要叫你病就病 |
| 01:53:30,280 | 01:53:31,280 | 是這個意思嗎 |
| 01:53:31,280 | 01:53:32,280 | 當然就 |
| 01:53:32,280 | 01:53:35,280 | 因為現在政策還沒確定 |
| 01:53:35,280 | 01:53:36,280 | 所以當然是可以討論的 |
| 01:53:36,280 | 01:53:37,280 | 我們也可以表達 |
| 01:53:37,280 | 01:53:38,280 | 所以叫你病 |
| 01:53:38,280 | 01:53:40,280 | 要股票金也可以 |
| 01:53:40,280 | 01:53:41,280 | 那這是 |
| 01:53:41,280 | 01:53:43,280 | 我想我們是上市 |
| 01:53:43,280 | 01:53:45,280 | 兩條都是上市公司 |
| 01:53:45,280 | 01:53:48,280 | 不適合在現在的股票交易的時間 |
| 01:53:48,280 | 01:53:49,280 | 在討論這個事情 |
| 01:53:49,280 | 01:53:51,280 | 一定會影響到股市的 |
| 01:53:51,280 | 01:53:54,280 | 好 謝謝 |
| 01:53:54,280 | 01:53:57,280 | 第二請第一金的邱董事長 |
| 01:53:57,280 | 01:53:58,280 | 邱董事長 |
| 01:53:58,280 | 01:54:00,280 | 表達一下 |
| 01:54:00,280 | 01:54:02,280 | 是不是就跟董董一樣 |
| 01:54:02,280 | 01:54:03,280 | 看財政部怎麼說 |
| 01:54:03,280 | 01:54:05,280 | 你們怎麼做 |
| 01:54:09,280 | 01:54:11,280 | 委員還有各位專家學者 |
| 01:54:11,280 | 01:54:14,280 | 各位長官大家早安 |
| 01:54:14,280 | 01:54:16,280 | 我想第一銀行也是 |
| 01:54:16,280 | 01:54:18,280 | 放公股的銀行是一樣 |
| 01:54:18,280 | 01:54:20,280 | 剛剛董董也提到了 |
| 01:54:20,280 | 01:54:22,280 | 我們都是專業經理人 |
| 01:54:22,280 | 01:54:24,280 | 剛剛許多專家學者的意見 |
| 01:54:24,280 | 01:54:26,280 | 我覺得相當的有道理 |
| 01:54:26,280 | 01:54:28,280 | 就是在合併的過程 |
| 01:54:28,280 | 01:54:29,280 | 它只是一個 |
| 01:54:29,280 | 01:54:30,280 | 不是一個目的 |
| 01:54:30,280 | 01:54:32,280 | 是在一個提升 |
| 01:54:32,280 | 01:54:34,280 | 我們競爭力的工具 |
| 01:54:34,280 | 01:54:35,280 | 所以如果能夠提升 |
| 01:54:35,280 | 01:54:37,280 | 我們的經營績效 |
| 01:54:37,280 | 01:54:39,280 | 能夠提高我們的員工權益 |
| 01:54:39,280 | 01:54:41,280 | 跟股東權益的話 |
| 01:54:41,280 | 01:54:43,280 | 我想這樣的一個併購策略 |
| 01:54:43,280 | 01:54:44,280 | 我們會認真的考慮 |
| 01:54:44,280 | 01:54:47,280 | 提供給我們的主管機關來參考 |
| 01:54:47,280 | 01:54:52,280 | 所以目前沒有公共病的構想 |
| 01:54:52,280 | 01:54:55,280 | 目前還沒有去思考 |
| 01:54:55,280 | 01:54:57,280 | 沒有接受到命令就對了 |
| 01:54:57,280 | 01:54:59,280 | 目前我們還沒有 |
| 01:54:59,280 | 01:55:00,280 | 想法 |
| 01:55:00,280 | 01:55:02,280 | 目前還沒有這個想法 |
| 01:55:02,280 | 01:55:05,280 | 好現在會請張萬銀的胡董事長 |
| 01:55:05,280 | 01:55:09,280 | 因為外界盛傳 |
| 01:55:09,280 | 01:55:11,280 | 你們要訂要公票金 |
| 01:55:11,280 | 01:55:13,280 | 有沒有這回事講一下 |
| 01:55:17,280 | 01:55:21,280 | 委員好我想對市場的傳聞跟評論 |
| 01:55:21,280 | 01:55:24,280 | 我們目前沒辦法去評論 |
| 01:55:24,280 | 01:55:26,280 | 不過主要像今天的專家學者 |
| 01:55:26,280 | 01:55:27,280 | 我想提了很多 |
| 01:55:27,280 | 01:55:29,280 | 基本上只要對彰化銀行 |
| 01:55:29,280 | 01:55:32,280 | 長期的提升競爭力 |
| 01:55:32,280 | 01:55:34,280 | 還可以提升股東的權益 |
| 01:55:34,280 | 01:55:36,280 | 跟創造企業價值 |
| 01:55:36,280 | 01:55:38,280 | 這個部分我想彰化銀行 |
| 01:55:38,280 | 01:55:42,280 | 都會持開放審慎的態度來評估 |
| 01:55:42,280 | 01:55:44,280 | 謝謝 |
| 01:55:44,280 | 01:55:46,280 | 你們是銀行嗎 |
| 01:55:46,280 | 01:55:48,280 | 國標金最缺就是銀行 |
| 01:55:48,280 | 01:55:50,280 | 所以你要用中國誰 |
| 01:55:50,280 | 01:55:52,280 | 你有沒有感覺到這樣 |
| 01:55:52,280 | 01:55:54,280 | 彰化銀行因為是上市公司 |
| 01:55:54,280 | 01:55:56,280 | 我想不適合去評論 |
| 01:55:56,280 | 01:56:00,280 | 還沒有民進展 |
| 01:56:00,280 | 01:56:02,280 | 所以你可以再講一句話 |
| 01:56:02,280 | 01:56:04,280 | 財政部如果要你病 |
| 01:56:04,280 | 01:56:05,280 | 你就病是不是 |
| 01:56:05,280 | 01:56:08,280 | 這個我沒辦法代替財政部來做說明 |
| 01:56:08,280 | 01:56:10,280 | 好等一下請財政部發言 |
| 01:56:10,280 | 01:56:14,280 | 我們請黃南金的陳董事長 |
| 01:56:14,280 | 01:56:16,280 | 陳董事長 |
| 01:56:18,280 | 01:56:20,280 | 來抱歉這個 |
| 01:56:20,280 | 01:56:22,280 | 我先請國標金的 |
| 01:56:22,280 | 01:56:24,280 | 張董事長對不起 |
| 01:56:24,280 | 01:56:26,280 | 因為他有跟我辦公室 |
| 01:56:26,280 | 01:56:31,280 | 先講11點回去開董事會 |
| 01:56:31,280 | 01:56:33,280 | 所以請國標金 |
| 01:56:35,280 | 01:56:38,280 | 你特別跟我們回應一下 |
| 01:56:38,280 | 01:56:40,280 | 你們心目中 |
| 01:56:40,280 | 01:56:41,280 | 如果跟你們合併 |
| 01:56:41,280 | 01:56:43,280 | 或者你跟人家合併 |
| 01:56:43,280 | 01:56:45,280 | 我們條件沒有這樣好不好 |
| 01:56:45,280 | 01:56:50,280 | 好謝謝賴委員還有我們部長 |
| 01:56:50,280 | 01:56:53,280 | 還有金管會的主委 |
| 01:56:53,280 | 01:56:54,280 | 還有各位長官 |
| 01:56:54,280 | 01:56:56,280 | 還有各位學者專家 |
| 01:56:56,280 | 01:56:59,280 | 還有我們各位金融的同業 |
| 01:56:59,280 | 01:57:01,280 | 大家早安大家好 |
| 01:57:01,280 | 01:57:07,280 | 我想今天是因為國標金的問題 |
| 01:57:07,280 | 01:57:11,280 | 才引出今天的這個會議 |
| 01:57:11,280 | 01:57:18,280 | 那我想國標金原來是一個迷你女郎 |
| 01:57:18,280 | 01:57:21,280 | 那他的規模非常的小 |
| 01:57:21,280 | 01:57:29,280 | 所以原來就用迷你女郎的規範在處理 |
| 01:57:29,280 | 01:57:32,280 | 他規模小到什麼程度呢 |
| 01:57:32,280 | 01:57:36,280 | 他的資本我只有336億 |
| 01:57:36,280 | 01:57:39,280 | 淨值只有451億 |
| 01:57:39,280 | 01:57:43,280 | 其中我們還拿了60幾億去投資網路銀行 |
| 01:57:43,280 | 01:57:48,280 | 所以可以用的資金確實是很有限 |
| 01:57:48,280 | 01:57:51,280 | 那在這樣一個情況之下 |
| 01:57:51,280 | 01:57:56,280 | 我們事實上經營的是還不錯 |
| 01:57:56,280 | 01:57:59,280 | 因為我們今年的上半年 |
| 01:57:59,280 | 01:58:01,280 | 我們規模很小 |
| 01:58:01,280 | 01:58:03,280 | 但是我們今年的上半年 |
| 01:58:03,280 | 01:58:07,280 | ROE如果換算全聯的話 |
| 01:58:07,280 | 01:58:10,280 | 大概也有11.5 |
| 01:58:10,280 | 01:58:14,280 | 這個在所有公營銀行裡面 |
| 01:58:14,280 | 01:58:17,280 | ROE的比例算很高 |
| 01:58:17,280 | 01:58:22,280 | 所以如果只看獲利的數字 |
| 01:58:22,280 | 01:58:24,280 | 或者是EPS |
| 01:58:24,280 | 01:58:27,280 | 我們當然是不好 |
| 01:58:27,280 | 01:58:30,280 | 所以這一塊 |
| 01:58:30,280 | 01:58:38,280 | 我要為我們國標金的同仁打打氣 |
| 01:58:38,280 | 01:58:45,280 | 那國標金的規模這麼小 |
| 01:58:45,280 | 01:58:49,280 | 他們可以經營到這樣的一個狀態 |
| 01:58:49,280 | 01:58:56,280 | 那他過去的制度就是採用這個迷你女郎的方式 |
| 01:58:56,280 | 01:59:01,280 | 那這一次5月底 |
| 01:59:01,280 | 01:59:04,280 | 股東會改選董事的結果 |
| 01:59:04,280 | 01:59:12,280 | 關股透過委託諸諸徵詢或者是策略聯盟 |
| 01:59:12,280 | 01:59:17,280 | 他拿到巴西董事剛好過半 |
| 01:59:17,280 | 01:59:27,280 | 瞬間就用公股的所有的標準 |
| 01:59:27,280 | 01:59:32,280 | 來檢視我們國標金的所有的東西 |
| 01:59:32,280 | 01:59:38,280 | 這兩個是需要時間才能夠這樣檢視的 |
| 01:59:38,280 | 01:59:40,280 | 瞬間這樣一解釋以後 |
| 01:59:40,280 | 01:59:43,280 | 有些東西不是國標金的問題 |
| 01:59:43,280 | 01:59:45,280 | 像譬如說第一個 |
| 01:59:45,280 | 01:59:48,280 | 現在第一個要檢討的就是我們的待遇 |
| 01:59:48,280 | 01:59:50,280 | 我們待遇是可以檢討的 |
| 01:59:50,280 | 01:59:55,280 | 我也希望我們的待遇一定要跟你的績效掛鉤 |
| 01:59:55,280 | 01:59:57,280 | 這可以檢討的 |
| 01:59:57,280 | 02:00:02,280 | 但是所有東西都用公股的標準來檢視的話 |
| 02:00:02,280 | 02:00:07,280 | 我可以坦白講我做過4家公股的董事長 |
| 02:00:07,280 | 02:00:10,280 | 我曾經賣掉一家 |
| 02:00:10,280 | 02:00:16,280 | 有一家也跟趙鋒斌後來他們獨立 |
| 02:00:16,280 | 02:00:24,280 | 我做過4家的董事長都是因為臨時出了事才去的 |
| 02:00:24,280 | 02:00:31,280 | 我這裡必須為公股的銀行來爭取一些錢 |
| 02:00:31,280 | 02:00:34,280 | 他們的待遇確實太低了 |
| 02:00:34,280 | 02:00:39,280 | 跟所有的金融機構來比真的太低了 |
| 02:00:39,280 | 02:00:43,280 | 現在國標金是一個迷你的銀行 |
| 02:00:43,280 | 02:00:49,280 | 瞬間因為董事剛好過半 |
| 02:00:49,280 | 02:00:56,280 | 就要用公股的標準全部來檢視他 |
| 02:00:56,280 | 02:00:58,280 | 我覺得這不公平 |
| 02:00:58,280 | 02:01:01,280 | 所以對我們員工來講真的不公平 |
| 02:01:01,280 | 02:01:05,280 | 不是不能檢視應該檢視 |
| 02:01:05,280 | 02:01:12,280 | 因為我壽命來這裡的時候就被告知 |
| 02:01:12,280 | 02:01:15,280 | 他說這家公司內耗很嚴重 |
| 02:01:15,280 | 02:01:18,280 | 公司治理需要加強 |
| 02:01:18,280 | 02:01:23,280 | 你去的第一個重點就是要減少內耗 |
| 02:01:23,280 | 02:01:27,280 | 加強公司治理 |
| 02:01:27,280 | 02:01:29,280 | 然後提升金融機構 |
| 02:01:29,280 | 02:01:35,280 | 我覺得這個任務是我的專長 |
| 02:01:35,280 | 02:01:41,280 | 那我後來被勸說答應了 |
| 02:01:41,280 | 02:01:44,280 | 就來了這裡 |
| 02:01:44,280 | 02:01:49,280 | 那這家公司未來應該何其何從 |
| 02:01:49,280 | 02:01:53,280 | 現在變成巴西關股戰鬥事務以後 |
| 02:01:53,280 | 02:01:55,280 | 應該何其何從 |
| 02:01:55,280 | 02:01:59,280 | 那我就遵從壽命的時候 |
| 02:01:59,280 | 02:02:03,280 | 所被告知的任務 |
| 02:02:03,280 | 02:02:06,280 | 消除內耗 |
| 02:02:06,280 | 02:02:09,280 | 提升金融機構 |
| 02:02:09,280 | 02:02:11,280 | 加強公司治理 |
| 02:02:11,280 | 02:02:16,280 | 我一定要把它整頓的美美的 |
| 02:02:16,280 | 02:02:19,280 | 這家公司一定要病 |
| 02:02:19,280 | 02:02:21,280 | 因為規模太小了 |
| 02:02:21,280 | 02:02:22,280 | 不是病人就是被病 |
| 02:02:22,280 | 02:02:24,280 | 病人也是被病 |
| 02:02:24,280 | 02:02:26,280 | 因為太小了 |
| 02:02:26,280 | 02:02:29,280 | 所以我一定要去做這個事情 |
| 02:02:29,280 | 02:02:30,280 | 所以一定要怎麼樣 |
| 02:02:30,280 | 02:02:32,280 | 把它弄得美美的 |
| 02:02:32,280 | 02:02:35,280 | 然後讓大家都喜歡來病我們 |
| 02:02:35,280 | 02:02:37,280 | 我的任務是這個 |
| 02:02:37,280 | 02:02:40,280 | 那以現在急救章就是說 |
| 02:02:40,280 | 02:02:42,280 | 你們趕快點人家病 |
| 02:02:46,280 | 02:02:49,280 | 現在有人說我們是爛蘋果 |
| 02:02:49,280 | 02:02:52,280 | 有的人被點名病我們的時候 |
| 02:02:52,280 | 02:02:55,280 | 他股票連跌三天 |
| 02:02:58,280 | 02:03:00,280 | 這個時候病對股東對員工 |
| 02:03:00,280 | 02:03:02,280 | 都是重大的傷害 |
| 02:03:04,280 | 02:03:06,280 | 所以我的主要任務是 |
| 02:03:06,280 | 02:03:08,280 | 把它弄得美美的 |
| 02:03:08,280 | 02:03:10,280 | 然後讓大家都想病 |
| 02:03:10,280 | 02:03:13,280 | 當被我點名說你可能會病我們的時候 |
| 02:03:13,280 | 02:03:15,280 | 他股票連漲七天 |
| 02:03:17,280 | 02:03:20,280 | 我想這才是我們應該做的事情 |
| 02:03:21,280 | 02:03:24,280 | 所以是不是給我們時間 |
| 02:03:24,280 | 02:03:26,280 | 我希望在最短的時間內 |
| 02:03:26,280 | 02:03:28,280 | 把公司經營得非常好 |
| 02:03:28,280 | 02:03:30,280 | 這是我的專長 |
| 02:03:31,280 | 02:03:33,280 | 然後最後我們也要整病 |
| 02:03:33,280 | 02:03:36,280 | 所以請各位宮古金控的 |
| 02:03:36,280 | 02:03:38,280 | 你們就拭目以待 |
| 02:03:38,280 | 02:03:41,280 | 準備搶我們才對 |
| 02:03:42,280 | 02:03:46,280 | 而不是每天嫌我們爛蘋果 |
| 02:03:47,280 | 02:03:48,280 | 而被點名 |
| 02:03:48,280 | 02:03:51,280 | 剛才三位都是被點名的先報告 |
| 02:03:51,280 | 02:03:53,280 | 我跟他們都很緊張 |
| 02:03:53,280 | 02:03:55,280 | 也不敢講 |
| 02:03:56,280 | 02:03:58,280 | 當然可以公共病 |
| 02:03:58,280 | 02:04:00,280 | 是可以的 |
| 02:04:00,280 | 02:04:03,280 | 但是也不一定要排除公共病 |
| 02:04:03,280 | 02:04:06,280 | 事實上民間的假設需要我們 |
| 02:04:06,280 | 02:04:07,280 | 可以出高價 |
| 02:04:07,280 | 02:04:08,280 | 對股東不是很大的 |
| 02:04:08,280 | 02:04:11,280 | 對股東跟員工不是很大的這個 |
| 02:04:12,280 | 02:04:14,280 | 這個福利 |
| 02:04:15,280 | 02:04:19,280 | 所以我現在的任務大概就這樣 |
| 02:04:19,280 | 02:04:20,280 | 報告完畢 |
| 02:04:20,280 | 02:04:21,280 | 請大家給我們支持 |
| 02:04:21,280 | 02:04:22,280 | 謝謝 |
| 02:04:22,280 | 02:04:24,280 | 等一下 |
| 02:04:26,280 | 02:04:28,280 | 我是就是認識 |
| 02:04:28,280 | 02:04:31,280 | 你以前在做照分董事長 |
| 02:04:31,280 | 02:04:33,280 | 這下是不錯 |
| 02:04:34,280 | 02:04:37,280 | 你剛才說你自己是要來救我的 |
| 02:04:38,280 | 02:04:40,280 | 但是我聽的感覺怎麼 |
| 02:04:40,280 | 02:04:41,280 | 聽起來感覺是說 |
| 02:04:41,280 | 02:04:43,280 | 好像你要變成化外之地 |
| 02:04:43,280 | 02:04:45,280 | 你現在是換宮古 |
| 02:04:45,280 | 02:04:47,280 | 第九家換宮古 |
| 02:04:47,280 | 02:04:48,280 | 那前面這麼多 |
| 02:04:48,280 | 02:04:50,280 | 比如說我們董董 |
| 02:04:50,280 | 02:04:51,280 | 學者出身 |
| 02:04:51,280 | 02:04:52,280 | 做這麼一站 |
| 02:04:52,280 | 02:04:54,280 | 那個薪水放到多少 |
| 02:04:54,280 | 02:04:56,280 | 最少沒有一千萬 |
| 02:04:56,280 | 02:04:57,280 | 沒有 |
| 02:04:57,280 | 02:04:59,280 | 你兩千多萬 |
| 02:04:59,280 | 02:05:01,280 | 你甘願減一下 |
| 02:05:01,280 | 02:05:02,280 | 對不對你做得不錯 |
| 02:05:02,280 | 02:05:03,280 | 我們董董也做得不錯 |
| 02:05:03,280 | 02:05:06,280 | 都當過照分局的董事長 |
| 02:05:06,280 | 02:05:08,280 | 你是翻宮古 |
| 02:05:08,280 | 02:05:10,280 | 我們部長拿多少薪水 |
| 02:05:10,280 | 02:05:11,280 | 你給我問一下 |
| 02:05:11,280 | 02:05:12,280 | 部長這麼辛苦 |
| 02:05:12,280 | 02:05:13,280 | 你多少薪水 |
| 02:05:13,280 | 02:05:15,280 | 我們政委委員辦主委 |
| 02:05:15,280 | 02:05:16,280 | 拿多少薪水 |
| 02:05:16,280 | 02:05:18,280 | 你們是董事長 |
| 02:05:18,280 | 02:05:20,280 | 你是財政部叫你去的 |
| 02:05:20,280 | 02:05:23,280 | 你一聲要給他兩千六百萬 |
| 02:05:23,280 | 02:05:25,280 | 你甘不不好意思 |
| 02:05:25,280 | 02:05:28,280 | 這個我沒有拿到那麼多 |
| 02:05:28,280 | 02:05:29,280 | 這個我先 |
| 02:05:29,280 | 02:05:30,280 | 超過兩千 |
| 02:05:30,280 | 02:05:31,280 | 我先回憶一下 |
| 02:05:31,280 | 02:05:33,280 | 你超過兩千對不對 |
| 02:05:33,280 | 02:05:36,280 | 我只有知道我月薪是多少 |
| 02:05:36,280 | 02:05:38,280 | 超過兩千 |
| 02:05:38,280 | 02:05:40,280 | 副董事長的兩千 |
| 02:05:40,280 | 02:05:41,280 | 你怎麼超過兩千 |
| 02:05:41,280 | 02:05:42,280 | 這個我給他說明一下 |
| 02:05:42,280 | 02:05:47,280 | 其實國際的這個 |
| 02:05:47,280 | 02:05:49,280 | 金控的這個薪水結構 |
| 02:05:49,280 | 02:05:50,280 | 沒有你盡量說得好 |
| 02:05:50,280 | 02:05:51,280 | 因為我們其他 |
| 02:05:51,280 | 02:05:52,280 | 你給我講一下 |
| 02:05:53,280 | 02:05:54,280 | 他的薪水結構 |
| 02:05:54,280 | 02:05:57,280 | 其實他月薪並沒有高很多 |
| 02:05:57,280 | 02:05:59,280 | 但是他的獎金 |
| 02:05:59,280 | 02:06:03,280 | 跟這些員工紅利 |
| 02:06:03,280 | 02:06:04,280 | 是比較多一點 |
| 02:06:04,280 | 02:06:06,280 | 所以我剛才講了 |
| 02:06:06,280 | 02:06:07,280 | 月薪並不多 |
| 02:06:07,280 | 02:06:10,280 | 那我剛才也講得非常清楚 |
| 02:06:10,280 | 02:06:16,280 | 你的報酬要跟你的貢獻 |
| 02:06:16,280 | 02:06:17,280 | 你的績效掛鉤 |
| 02:06:17,280 | 02:06:19,280 | 這個就是我現在要做的事情 |
| 02:06:19,280 | 02:06:22,280 | 所以也許我們這一次的董事會 |
| 02:06:22,280 | 02:06:24,280 | 我們就會檢討 |
| 02:06:24,280 | 02:06:25,280 | 我們就會要求 |
| 02:06:25,280 | 02:06:26,280 | 而且我們的薪酬 |
| 02:06:26,280 | 02:06:28,280 | 都經過薪酬委員會 |
| 02:06:28,280 | 02:06:30,280 | 薪酬委員會是由五個 |
| 02:06:30,280 | 02:06:31,280 | 五個 |
| 02:06:31,280 | 02:06:32,280 | 我來請教你 |
| 02:06:32,280 | 02:06:35,280 | 因為其他還有官國要講話 |
| 02:06:35,280 | 02:06:37,280 | 你盡量回答我 |
| 02:06:37,280 | 02:06:40,280 | 你董事長說話算不算 |
| 02:06:40,280 | 02:06:41,280 | 當然算 |
| 02:06:41,280 | 02:06:42,280 | 對 |
| 02:06:42,280 | 02:06:44,280 | 你副董事長你又照不住 |
| 02:06:44,280 | 02:06:46,280 | 你又算你身上哪裡去 |
| 02:06:46,280 | 02:06:48,280 | 我們外面怎麼看 |
| 02:06:48,280 | 02:06:49,280 | 表面上你是董事長 |
| 02:06:49,280 | 02:06:51,280 | 實際上是那個陳副董事長 |
| 02:06:51,280 | 02:06:53,280 | 才是真正的董事長 |
| 02:06:53,280 | 02:06:54,280 | 不可能 |
| 02:06:54,280 | 02:06:55,280 | 你還好 |
| 02:06:55,280 | 02:06:56,280 | 還好大聲一點 |
| 02:06:56,280 | 02:06:59,280 | 這個都可以檢討 |
| 02:06:59,280 | 02:07:00,280 | 從這裏 |
| 02:07:00,280 | 02:07:01,280 | 副董事長 |
| 02:07:01,280 | 02:07:02,280 | 叫不來 |
| 02:07:02,280 | 02:07:03,280 | 怎麼那麼快 |
| 02:07:03,280 | 02:07:04,280 | 存在都可以檢討 |
| 02:07:04,280 | 02:07:05,280 | 我跟他講 |
| 02:07:05,280 | 02:07:06,280 | 我對你 |
| 02:07:06,280 | 02:07:07,280 | 回去檢討好不好 |
| 02:07:07,280 | 02:07:08,280 | 回去檢討 |
| 02:07:08,280 | 02:07:09,280 | 你們已經是放空股 |
| 02:07:09,280 | 02:07:10,280 | 對不起 |
| 02:07:10,280 | 02:07:13,280 | 張董事長請你告訴陳副董事長 |
| 02:07:13,280 | 02:07:15,280 | 你們從那一天開始 |
| 02:07:15,280 | 02:07:17,280 | 你們就是放空股 |
| 02:07:17,280 | 02:07:18,280 | 就要接受監督 |
| 02:07:18,280 | 02:07:19,280 | 接受財政部 |
| 02:07:19,280 | 02:07:21,280 | 接受金管會 |
| 02:07:21,280 | 02:07:23,280 | 接受立法院的監督 |
| 02:07:23,280 | 02:07:25,280 | 這一名應該很清楚的 |
| 02:07:25,280 | 02:07:26,280 | 我想 |
| 02:07:26,280 | 02:07:27,280 | 我們除非你有辦法 |
| 02:07:27,280 | 02:07:29,280 | 等一下讓我講完 |
| 02:07:29,280 | 02:07:31,280 | 我們所有的放空股 |
| 02:07:31,280 | 02:07:34,280 | 大家的董總的薪水都大幅提高 |
| 02:07:34,280 | 02:07:36,280 | 跟國票經濟價的待遇 |
| 02:07:36,280 | 02:07:37,280 | 這個我也樂見其成 |
| 02:07:37,280 | 02:07:39,280 | 我也可以接受 |
| 02:07:39,280 | 02:07:40,280 | 因為做錢 |
| 02:07:40,280 | 02:07:41,280 | 賺錢 |
| 02:07:41,280 | 02:07:42,280 | 拿錢 |
| 02:07:42,280 | 02:07:43,280 | 做事 |
| 02:07:43,280 | 02:07:44,280 | 做事拿錢 |
| 02:07:44,280 | 02:07:47,280 | 你績效拿得高薪沒有問題 |
| 02:07:47,280 | 02:07:48,280 | 但是制度要出來 |
| 02:07:48,280 | 02:07:49,280 | 現在呢 |
| 02:07:49,280 | 02:07:51,280 | 我再強調一遍 |
| 02:07:51,280 | 02:07:53,280 | 董事長的績效不會比你差 |
| 02:07:53,280 | 02:07:55,280 | 可是他薪水只有你一半 |
| 02:07:55,280 | 02:07:56,280 | 我就替他降不平 |
| 02:07:56,280 | 02:07:57,280 | 我告訴你 |
| 02:07:57,280 | 02:07:58,280 | 有沒有 |
| 02:07:58,280 | 02:07:59,280 | 我告訴你 |
| 02:07:59,280 | 02:08:00,280 | 你給我降一格 |
| 02:08:02,280 | 02:08:03,280 | 對不對 |
| 02:08:03,280 | 02:08:05,280 | 所以要不然你就有本事 |
| 02:08:05,280 | 02:08:06,280 | 讓我們放空股 |
| 02:08:06,280 | 02:08:07,280 | 稅務財政部 |
| 02:08:07,280 | 02:08:08,280 | 提出來放空股的 |
| 02:08:08,280 | 02:08:10,280 | 董總大幅加薪 |
| 02:08:10,280 | 02:08:12,280 | 要不然你們就乖乖的 |
| 02:08:12,280 | 02:08:13,280 | 跟我們一樣 |
| 02:08:13,280 | 02:08:15,280 | 打折 |
| 02:08:15,280 | 02:08:16,280 | 就是這樣說 |
| 02:08:16,280 | 02:08:17,280 | 這個我看得到 |
| 02:08:17,280 | 02:08:19,280 | 那有很多有所了解的 |
| 02:08:19,280 | 02:08:21,280 | 我不知道董總是不是方便講 |
| 02:08:21,280 | 02:08:23,280 | 趙峰我看了一下 |
| 02:08:23,280 | 02:08:26,280 | 年薪500到1000之間 |
| 02:08:26,280 | 02:08:27,280 | 對吧 |
| 02:08:27,280 | 02:08:29,280 | 差不多中位數 |
| 02:08:29,280 | 02:08:30,280 | 對不對 |
| 02:08:30,280 | 02:08:31,280 | 你可以跟他講嗎 |
| 02:08:31,280 | 02:08:32,280 | 不好意思 |
| 02:08:40,280 | 02:08:41,280 | CPI給啦 |
| 02:08:41,280 | 02:08:42,280 | 各位聽懂嗎 |
| 02:08:42,280 | 02:08:43,280 | 始諸價啦 |
| 02:08:43,280 | 02:08:45,280 | 700到800之間 |
| 02:08:45,280 | 02:08:46,280 | CPI給啦 |
| 02:08:46,280 | 02:08:47,280 | 就這樣子 |
| 02:08:47,280 | 02:08:48,280 | 那個張董事長 |
| 02:08:48,280 | 02:08:49,280 | 所以你就要講 |
| 02:08:49,280 | 02:08:50,280 | 放空股 |
| 02:08:50,280 | 02:08:51,280 | 趙峰是最 |
| 02:08:51,280 | 02:08:53,280 | 放空股幾乎是最好的啦 |
| 02:08:53,280 | 02:08:54,280 | 我說除了以之外 |
| 02:08:54,280 | 02:08:55,280 | 就700、800萬 |
| 02:08:55,280 | 02:08:58,280 | 你就要接受700、800萬啦 |
| 02:08:58,280 | 02:08:59,280 | 我也接受 |
| 02:08:59,280 | 02:09:00,280 | 你接受吧 |
| 02:09:00,280 | 02:09:01,280 | 你接受吧 |
| 02:09:01,280 | 02:09:02,280 | 董事長 |
| 02:09:02,280 | 02:09:03,280 | 我知道 |
| 02:09:03,280 | 02:09:04,280 | 對你可以接受 |
| 02:09:04,280 | 02:09:05,280 | 不然代議多少啦 |
| 02:09:05,280 | 02:09:07,280 | 國標經理董事長 |
| 02:09:07,280 | 02:09:09,280 | 財政部長已經私底下告訴我了 |
| 02:09:09,280 | 02:09:11,280 | 他們上級交代了 |
| 02:09:11,280 | 02:09:13,280 | 這個薪水 |
| 02:09:13,280 | 02:09:14,280 | 有話你跟我講的啊 |
| 02:09:14,280 | 02:09:17,280 | 從薪酬開始調整起 |
| 02:09:17,280 | 02:09:18,280 | 對不對 |
| 02:09:18,280 | 02:09:20,280 | 這個可以頂頭嘛 |
| 02:09:20,280 | 02:09:22,280 | 薪酬要調整跟放空股一樣 |
| 02:09:22,280 | 02:09:24,280 | 而不是往上拉 |
| 02:09:24,280 | 02:09:26,280 | 是往下打折 |
| 02:09:26,280 | 02:09:28,280 | 這個你們去放空股 |
| 02:09:28,280 | 02:09:29,280 | 就是這樣子 |
| 02:09:29,280 | 02:09:30,280 | 我們這一年 |
| 02:09:30,280 | 02:09:32,280 | 我就是要來整頓 |
| 02:09:32,280 | 02:09:34,280 | 要來做優化 |
| 02:09:34,280 | 02:09:36,280 | 再來做合理化 |
| 02:09:36,280 | 02:09:38,280 | 所以這個我們都會 |
| 02:09:38,280 | 02:09:40,280 | 那個中央長 |
| 02:09:40,280 | 02:09:42,280 | 沒關係可以再說一說 |
| 02:09:42,280 | 02:09:44,280 | 有機會讓你講 |
| 02:09:44,280 | 02:09:45,280 | 今天很多要講 |
| 02:09:45,280 | 02:09:46,280 | 所以就這樣 |
| 02:09:46,280 | 02:09:47,280 | 好不好 |
| 02:09:47,280 | 02:09:49,280 | 我就告訴你 |
| 02:09:49,280 | 02:09:54,280 | 從你被指派董事長那天起 |
| 02:09:54,280 | 02:09:59,280 | 從我們財政部底下的放空股 |
| 02:09:59,280 | 02:10:01,280 | 拿到巴西過半的時候 |
| 02:10:01,280 | 02:10:02,280 | 開始 |
| 02:10:02,280 | 02:10:04,280 | 國標經理就是放空股 |
| 02:10:04,280 | 02:10:06,280 | 他不再是民部 |
| 02:10:06,280 | 02:10:10,280 | 過去的總經理副董事長 |
| 02:10:10,280 | 02:10:12,280 | 董事長薪水這麼高 |
| 02:10:12,280 | 02:10:14,280 | 多少都兩千萬左右了 |
| 02:10:14,280 | 02:10:16,280 | 董事長不兩千多一點 |
| 02:10:17,280 | 02:10:19,280 | 不再有了 |
| 02:10:19,280 | 02:10:21,280 | 那打折了 |
| 02:10:21,280 | 02:10:22,280 | 打折到什麼程度 |
| 02:10:22,280 | 02:10:24,280 | 你做個戰溫委員董事長 |
| 02:10:24,280 | 02:10:25,280 | 你拿多少錢 |
| 02:10:25,280 | 02:10:26,280 | 你都很清楚 |
| 02:10:26,280 | 02:10:27,280 | 對不對 |
| 02:10:27,280 | 02:10:29,280 | 我不知道董事長有沒有比你多 |
| 02:10:29,280 | 02:10:30,280 | 七百 |
| 02:10:30,280 | 02:10:31,280 | 對不對 |
| 02:10:31,280 | 02:10:32,280 | 就打為七百 |
| 02:10:32,280 | 02:10:34,280 | 你現在如果拿兩千 |
| 02:10:34,280 | 02:10:36,280 | 你就是打這個三五 |
| 02:10:36,280 | 02:10:38,280 | 多少 |
| 02:10:38,280 | 02:10:39,280 | 四折左右 |
| 02:10:39,280 | 02:10:41,280 | 就差不多這樣子 |
| 02:10:41,280 | 02:10:43,280 | 一樣你們高層都這樣子 |
| 02:10:43,280 | 02:10:44,280 | 對吧 |
| 02:10:44,280 | 02:10:45,280 | 這樣對吧 |
| 02:10:45,280 | 02:10:47,280 | 除非你有本事 |
| 02:10:47,280 | 02:10:50,280 | 有辦法適用所有的立委 |
| 02:10:50,280 | 02:10:52,280 | 讓我們所有的放空股 |
| 02:10:52,280 | 02:10:55,280 | 薪水跟國標經理完全一樣 |
| 02:10:55,280 | 02:10:57,280 | 除非你有這個本事 |
| 02:10:57,280 | 02:10:59,280 | 但短時間財政部長也不會答應 |
| 02:10:59,280 | 02:11:01,280 | 財委會也不會答應 |
| 02:11:01,280 | 02:11:04,280 | 所以那就是你們是放空股 |
| 02:11:04,280 | 02:11:06,280 | 要記得這件事情 |
| 02:11:06,280 | 02:11:08,280 | 可以吧 |
| 02:11:08,280 | 02:11:10,280 | 我聽不懂 |
| 02:11:10,280 | 02:11:11,280 | 我聽不懂什麼意思 |
| 02:11:11,280 | 02:11:13,280 | 聽不懂 |
| 02:11:13,280 | 02:11:15,280 | 簡單來講就是你們謹慎 |
| 02:11:15,280 | 02:11:16,280 | 就這樣說 |
| 02:11:16,280 | 02:11:17,280 | 快一點 |
| 02:11:17,280 | 02:11:18,280 | 說快一點 |
| 02:11:18,280 | 02:11:19,280 | 聽不懂 |
| 02:11:19,280 | 02:11:22,280 | 你要對我們的員工有所交代 |
| 02:11:22,280 | 02:11:24,280 | 我不是講我自己 |
| 02:11:24,280 | 02:11:25,280 | 我自己可以 |
| 02:11:25,280 | 02:11:26,280 | 高階的 |
| 02:11:26,280 | 02:11:27,280 | 我是講高階的 |
| 02:11:27,280 | 02:11:31,280 | 你跟員工一定要把他們的待遇 |
| 02:11:31,280 | 02:11:33,280 | 跟他的這個貢獻 |
| 02:11:33,280 | 02:11:35,280 | 跟他的績效掛鉤 |
| 02:11:35,280 | 02:11:37,280 | 那請你唱的 |
| 02:11:37,280 | 02:11:40,280 | 等一下我們請財政部長來跟我們解釋一下 |
| 02:11:40,280 | 02:11:41,280 | 你們想過 |
| 02:11:41,280 | 02:11:45,280 | 放空股所有的通膠打折要打到什麼層級 |
| 02:11:45,280 | 02:11:48,280 | 比如說我經理級以上的 |
| 02:11:48,280 | 02:11:49,280 | 比照放空股 |
| 02:11:49,280 | 02:11:51,280 | 基層員工不必 |
| 02:11:51,280 | 02:11:52,280 | 那還是可以 |
| 02:11:52,280 | 02:11:53,280 | 看怎麼樣 |
| 02:11:53,280 | 02:11:54,280 | 所以我們會改善 |
| 02:11:54,280 | 02:11:55,280 | 所以我們會改善改革 |
| 02:11:55,280 | 02:11:57,280 | 但是不是講說一定要打折 |
| 02:11:57,280 | 02:11:58,280 | 打到股折 |
| 02:11:58,280 | 02:11:59,280 | 或怎麼樣 |
| 02:11:59,280 | 02:12:00,280 | 不是這個意思 |
| 02:12:00,280 | 02:12:01,280 | 最少從你開始做起來 |
| 02:12:01,280 | 02:12:02,280 | 你可以吧 |
| 02:12:02,280 | 02:12:04,280 | 來你本身可以吧 |
| 02:12:04,280 | 02:12:05,280 | 你本身可以吧 |
| 02:12:05,280 | 02:12:06,280 | 我當然可以 |
| 02:12:06,280 | 02:12:07,280 | 對嘛 |
| 02:12:07,280 | 02:12:09,280 | 你三年我就聽你這一句話 |
| 02:12:09,280 | 02:12:10,280 | 我以前做過這個 |
| 02:12:10,280 | 02:12:11,280 | 我告訴你 |
| 02:12:11,280 | 02:12:12,280 | 我在 |
| 02:12:12,280 | 02:12:14,280 | 保來的時候 |
| 02:12:14,280 | 02:12:16,280 | 薪水一千多萬 |
| 02:12:16,280 | 02:12:19,280 | 我奉派去台灣中小慶當董事長的時候 |
| 02:12:19,280 | 02:12:20,280 | 多少 |
| 02:12:20,280 | 02:12:21,280 | 420 |
| 02:12:21,280 | 02:12:22,280 | 什麼 |
| 02:12:22,280 | 02:12:23,280 | 趙峰呢 |
| 02:12:23,280 | 02:12:24,280 | 趙峰多少 |
| 02:12:24,280 | 02:12:28,280 | 趙峰董事長差不多780 |
| 02:12:28,280 | 02:12:29,280 | 780喔 |
| 02:12:29,280 | 02:12:31,280 | 對但是他們福利比較好 |
| 02:12:31,280 | 02:12:32,280 | 我們那邊沒有福利 |
| 02:12:32,280 | 02:12:33,280 | 這個先講 |
| 02:12:33,280 | 02:12:34,280 | 好啦 |
| 02:12:34,280 | 02:12:35,280 | 第二個 |
| 02:12:35,280 | 02:12:38,280 | 當時白文正董事長告訴我的時候 |
| 02:12:38,280 | 02:12:40,280 | 你頭角是太黑 |
| 02:12:40,280 | 02:12:41,280 | 你錢多少 |
| 02:12:41,280 | 02:12:43,280 | 你去那420萬 |
| 02:12:43,280 | 02:12:45,280 | 人不一定都是為了錢 |
| 02:12:45,280 | 02:12:46,280 | 當然 |
| 02:12:46,280 | 02:12:48,280 | 人是為了自己的 |
| 02:12:48,280 | 02:12:51,280 | 你能夠犯公古董事長 |
| 02:12:51,280 | 02:12:52,280 | 走路有風 |
| 02:12:52,280 | 02:12:54,280 | 這個東西不一樣 |
| 02:12:54,280 | 02:12:55,280 | 走路有風 |
| 02:12:55,280 | 02:12:56,280 | 你看我們 |
| 02:12:56,280 | 02:12:58,280 | 東東走路都有風 |
| 02:12:58,280 | 02:12:59,280 | 就是這樣 |
| 02:12:59,280 | 02:13:01,280 | 好謝謝 |
| 02:13:01,280 | 02:13:03,280 | 我們現在要請 |
| 02:13:03,280 | 02:13:05,280 | 黃南軍的陳董事長 |
| 02:13:05,280 | 02:13:06,280 | 好 |
| 02:13:07,280 | 02:13:08,280 | 跟大會報告 |
| 02:13:08,280 | 02:13:11,280 | 因為這個張董事長要回去開董事會 |
| 02:13:11,280 | 02:13:13,280 | 所以我先給他理行 |
| 02:13:13,280 | 02:13:16,280 | 黃南軍的陳董事長請 |
| 02:13:33,280 | 02:13:34,280 | 委員好 |
| 02:13:36,280 | 02:13:38,280 | OK |
| 02:13:40,280 | 02:13:41,280 | 我要講什麼 |
| 02:13:43,280 | 02:13:46,280 | 我就請你講一下 |
| 02:13:46,280 | 02:13:47,280 | 我們今天同一題目 |
| 02:13:47,280 | 02:13:48,280 | 金金病 |
| 02:13:48,280 | 02:13:50,280 | 你們有沒有可能去病國標金 |
| 02:13:50,280 | 02:13:52,280 | 或者有沒有想要病其他的金融機構 |
| 02:13:52,280 | 02:13:53,280 | 有沒有 |
| 02:13:53,280 | 02:13:55,280 | 我想合併的問題 |
| 02:13:55,280 | 02:13:58,280 | 前面那個趙峰跟一營都有 |
| 02:13:58,280 | 02:14:00,280 | 第一金都有提過 |
| 02:14:00,280 | 02:14:03,280 | 那我們黃南軍的這個態度是一致的 |
| 02:14:03,280 | 02:14:05,280 | 那我想 |
| 02:14:05,280 | 02:14:08,280 | 大家可能會比較想聽到說 |
| 02:14:08,280 | 02:14:10,280 | 我們黃南軍這個 |
| 02:14:10,280 | 02:14:13,280 | 官民共治的這個一個現況 |
| 02:14:13,280 | 02:14:18,280 | 那我可以跟委員還有在場大家來說明一下 |
| 02:14:18,280 | 02:14:20,280 | 其實黃南軍他 |
| 02:14:20,280 | 02:14:22,280 | 官民共治的時間已經非常長 |
| 02:14:22,280 | 02:14:26,280 | 這期間大家也都有經過一些磨合期 |
| 02:14:26,280 | 02:14:29,280 | 所以已經有形成一個 |
| 02:14:29,280 | 02:14:30,280 | 很合理 |
| 02:14:30,280 | 02:14:34,280 | 而且是符合公司治理的一個經營模式 |
| 02:14:34,280 | 02:14:37,280 | 當然每個人會有每個人在專業背景不同 |
| 02:14:37,280 | 02:14:39,280 | 有不同的想法 |
| 02:14:39,280 | 02:14:41,280 | 對某些議題會有不同的想法 |
| 02:14:41,280 | 02:14:42,280 | 這中間的話 |
| 02:14:42,280 | 02:14:45,280 | 我的態度就是透過溝通的方式 |
| 02:14:45,280 | 02:14:48,280 | 來尋求大家的一個共識 |
| 02:14:48,280 | 02:14:49,280 | 那這個部分 |
| 02:14:49,280 | 02:14:50,280 | 截至目前來說 |
| 02:14:50,280 | 02:14:53,280 | 經營的算是合理還是順暢 |
| 02:14:53,280 | 02:14:59,280 | 那至於說剛剛有公會的理事長們提到說 |
| 02:14:59,280 | 02:15:01,280 | 這個合併的議題 |
| 02:15:01,280 | 02:15:05,280 | 那因為現在我們正在進行這個四合一的合併 |
| 02:15:05,280 | 02:15:11,280 | 已經走到就是跟員工來協商這個員工安置計畫 |
| 02:15:11,280 | 02:15:15,280 | 那我們的做法就是完全是公開透明 |
| 02:15:15,280 | 02:15:18,280 | 我們跟我們投信的工會 |
| 02:15:18,280 | 02:15:20,280 | 我們都定期在開會 |
| 02:15:20,280 | 02:15:23,280 | 我們只要有一些安置計畫出來 |
| 02:15:23,280 | 02:15:26,280 | 那個版本一定是原原本本的 |
| 02:15:26,280 | 02:15:28,280 | 就讓工會來審視 |
| 02:15:28,280 | 02:15:29,280 | 讓他們有什麼意見 |
| 02:15:29,280 | 02:15:30,280 | 他都可以跟我們反應 |
| 02:15:30,280 | 02:15:32,280 | 我們再跟第一經這邊來反應 |
| 02:15:32,280 | 02:15:34,280 | 所以說這個部分 |
| 02:15:34,280 | 02:15:38,280 | 我們甚至也有請第一經的董總 |
| 02:15:38,280 | 02:15:43,280 | 跟我們的華南永昌投信的同仁 |
| 02:15:43,280 | 02:15:45,280 | 來報告說他們以後會怎麼樣 |
| 02:15:45,280 | 02:15:48,280 | 經營這個合併後的新公司 |
| 02:15:48,280 | 02:15:52,280 | 他們對員工的處理會是什麼樣一個模式 |
| 02:15:52,280 | 02:15:55,280 | 這些我們都是對員工是公平 |
| 02:15:55,280 | 02:15:57,280 | 就是公開透明 |
| 02:15:57,280 | 02:16:00,280 | 我們不希望說員工會覺得說 |
| 02:16:00,280 | 02:16:03,280 | 我們在背後有些小動作 |
| 02:16:03,280 | 02:16:06,280 | 我們完全是沒有這樣子的一個情況以上 |
| 02:16:06,280 | 02:16:11,280 | 好謝謝陳董事長的說明 |
| 02:16:11,280 | 02:16:14,280 | 林副董事長要不要補充一下 |
| 02:16:14,280 | 02:16:16,280 | 這樣子 |
| 02:16:16,280 | 02:16:21,280 | 我今天高度肯定你來的 |
| 02:16:21,280 | 02:16:23,280 | 這個因為 |
| 02:16:23,280 | 02:16:29,280 | 因為我們陳董事長特別提到官民共治 |
| 02:16:29,280 | 02:16:34,279 | 官民共治就因為華南經原來的林家 |
| 02:16:34,279 | 02:16:37,279 | 他完全跟國泰經是不一樣的 |
| 02:16:37,279 | 02:16:39,279 | 原來林家的持股是非常多的 |
| 02:16:39,279 | 02:16:45,279 | 官民共治外面有肯定有政府正反面都有 |
| 02:16:45,279 | 02:16:49,279 | 基本上社會基本上也都接受了 |
| 02:16:49,279 | 02:16:50,279 | 你確定不要補充前兩句 |
| 02:16:50,280 | 02:16:52,280 | 讓你秀一下 |
| 02:16:52,280 | 02:17:01,280 | 好我們下一位請合作金庫的林董事長 |
| 02:17:01,280 | 02:17:05,280 | 就針對這個題目你發表意見好不好 |
| 02:17:10,280 | 02:17:13,280 | 保安委員還有各位長官 |
| 02:17:13,280 | 02:17:14,280 | 那各位專家 |
| 02:17:14,280 | 02:17:17,280 | 那合庫也是公共銀行 |
| 02:17:17,280 | 02:17:20,280 | 所以我們對政策任務一向是全力配合 |
| 02:17:20,280 | 02:17:24,280 | 所以我們一定會配合財政部的指導 |
| 02:17:24,280 | 02:17:29,280 | 然後依序評估審慎辦理 |
| 02:17:29,280 | 02:17:33,280 | 跟其他幾位公務行戶之前談的都是一樣 |
| 02:17:33,280 | 02:17:35,280 | 好謝謝 |
| 02:17:35,280 | 02:17:38,280 | 我們看周小慶的李董事長 |
| 02:17:38,280 | 02:17:44,280 | 今天就是其實每一次關口銀行董總來這裡都是練習的沒講什麼話 |
| 02:17:44,280 | 02:17:47,280 | 今天你看我對待大方讓你們講話講很多來 |
| 02:17:47,280 | 02:17:50,280 | 請講一下你可以多講一點嗎 |
| 02:17:52,280 | 02:17:57,280 | 委員好那我們這個台灣中小企業銀行 |
| 02:17:57,280 | 02:18:01,280 | 是台灣唯一的一家中小微的專業的一個銀行 |
| 02:18:01,280 | 02:18:09,280 | 那我們監督了很多與很多中小微企業的融資跟輔導的政策任務 |
| 02:18:09,280 | 02:18:12,280 | 所以我們顧客情的非常的龐大跟複雜 |
| 02:18:12,280 | 02:18:15,280 | 那現在的這種經營環境動盪不安 |
| 02:18:15,280 | 02:18:20,280 | 所以我們的最主要的任務就是把自己做大做強 |
| 02:18:20,280 | 02:18:25,280 | 來全力的來協助這些中小微企業來成長茁壯 |
| 02:18:25,280 | 02:18:30,280 | 所以對併購的議題目前還沒有深入的研究 |
| 02:18:30,280 | 02:18:34,280 | 所以你們不可能併購標籤不可能 |
| 02:18:34,280 | 02:18:36,280 | 目前沒有這方面的評估 |
| 02:18:36,280 | 02:18:42,280 | 謝謝我們下一位請中小中國輸出銀行 |
| 02:18:42,280 | 02:18:44,280 | 要代主席 |
| 02:18:44,280 | 02:18:48,280 | 你國歌不可能沒關係來講一下 |
| 02:18:53,280 | 02:18:56,280 | 委員各位長官還有各位學者專家 |
| 02:18:56,280 | 02:19:03,280 | 我們中國輸出銀行就是在民國68年成立的銀行 |
| 02:19:03,280 | 02:19:08,280 | 我們的定位很清楚就強化貿易金融協助對外貿易 |
| 02:19:08,280 | 02:19:13,280 | 尤其現在我們協助廠商就是拓展海外的這些布局 |
| 02:19:13,280 | 02:19:16,280 | 我們協助廠商去分攤這些出口的風險 |
| 02:19:16,280 | 02:19:20,280 | 所以這些相關的定位跟功能非常清楚 |
| 02:19:20,280 | 02:19:25,280 | 相關的國家也都有唯一的輸出銀行辦理同樣的業務 |
| 02:19:25,280 | 02:19:29,280 | 所以我想我們對我們既有的業務好好的來辦理以上 |
| 02:19:29,280 | 02:19:33,280 | 所以簡單來講就是你不可能併人家也不可能被併 |
| 02:19:33,280 | 02:19:35,280 | 就是一句話 |
| 02:19:35,280 | 02:19:37,280 | 好謝謝 |
| 02:19:37,280 | 02:19:41,280 | 抱歉把最重要幾個放在最後面 |
| 02:19:41,280 | 02:19:46,280 | 台灣銀行台灣金控的林董事長 |
| 02:19:48,280 | 02:19:51,280 | 你剛剛好像忘了你是台灣金控董事長 |
| 02:19:51,280 | 02:19:53,280 | 我剛才講林董事長沒有回應 |
| 02:19:53,280 | 02:20:03,280 | 好委員好還有所有在座的各位教授 |
| 02:20:03,280 | 02:20:06,280 | 還有理事長還有我們金控的所有的董總 |
| 02:20:06,280 | 02:20:12,280 | 還有今天在座的各位應該是媒體媒體朋友們大家早安 |
| 02:20:12,280 | 02:20:18,280 | 首先我要非常感謝我們賴委員今天舉辦這個公聽會 |
| 02:20:18,280 | 02:20:23,280 | 也非常感謝賴委員今天邀請了這麼多的學者專家 |
| 02:20:23,280 | 02:20:26,280 | 剛才都提出了非常多精闢的見解 |
| 02:20:26,280 | 02:20:30,280 | 讓我們對整個併購的議題有更深入的了解 |
| 02:20:30,280 | 02:20:33,280 | 也知道說未來併購應該要注意的一些問題 |
| 02:20:33,280 | 02:20:36,280 | 過去成功的案例還有一些失敗的案例 |
| 02:20:36,280 | 02:20:38,280 | 為什麼會成功為什麼會失敗 |
| 02:20:38,280 | 02:20:40,280 | 我想在這邊都有非常精闢的分析 |
| 02:20:40,280 | 02:20:46,280 | 我對各位學者還有我們公會的幾位理事長都感到非常的敬佩 |
| 02:20:46,280 | 02:20:50,280 | 當然最重要敬佩的還是我們今天的主席 |
| 02:20:50,280 | 02:20:54,280 | 主席今天讓我最後上來就表示說我實在是沒有什麼重要性 |
| 02:20:54,280 | 02:20:58,280 | 為什麼因為我就是一家國營的行庫 |
| 02:20:58,280 | 02:21:01,280 | 這個國營的行庫就目前的條件來看的話 |
| 02:21:01,280 | 02:21:03,280 | 是沒有人要跟我們併的 |
| 02:21:03,280 | 02:21:06,280 | 為什麼因為我們剛剛學者有提到 |
| 02:21:06,280 | 02:21:09,280 | 就是合併它要能夠強化全球的佈局 |
| 02:21:09,280 | 02:21:11,280 | 那也可以有一些範疇的經濟 |
| 02:21:11,280 | 02:21:14,280 | 最終的目的就是能夠強化競爭力 |
| 02:21:14,280 | 02:21:18,280 | 我想這個全球的競爭力真的是就我們台灣目前的金融機構來講 |
| 02:21:18,280 | 02:21:20,280 | 規模都太小 |
| 02:21:20,280 | 02:21:25,280 | 在國際間其實要成為一個有聲望或者是有影響力的銀行 |
| 02:21:25,280 | 02:21:28,280 | 其實目前整個路途都還很遙遠 |
| 02:21:28,280 | 02:21:31,280 | 所以如果可以透過併購 |
| 02:21:31,280 | 02:21:34,280 | 不管是公共病公民病任何一種病 |
| 02:21:34,280 | 02:21:35,280 | 如果能夠強化競爭力 |
| 02:21:35,280 | 02:21:40,280 | 我覺得這個都是我們可以樂觀其成的一個未來的方向 |
| 02:21:40,280 | 02:21:42,280 | 但是目前我們 |
| 02:21:42,280 | 02:21:45,280 | 我就國營的行庫來講好了 |
| 02:21:45,280 | 02:21:47,280 | 因為我們是國營行庫 |
| 02:21:47,280 | 02:21:51,280 | 所以不管是我或者是土營或者是輸出的銀行 |
| 02:21:51,280 | 02:21:55,280 | 我們三家目前都是屬於國營行庫 |
| 02:21:55,280 | 02:21:58,280 | 所以也受到公務人員服務法的規範 |
| 02:21:58,280 | 02:22:00,280 | 時間到了嗎 |
| 02:22:00,280 | 02:22:06,280 | 因為受到很大的規範 |
| 02:22:06,280 | 02:22:09,280 | 所以它在整個管理制度上有很大的拘束 |
| 02:22:09,280 | 02:22:11,280 | 尤其就人才上來講 |
| 02:22:11,280 | 02:22:15,280 | 我們知道人才其實就是金融裡面最重要的一個資產 |
| 02:22:15,280 | 02:22:18,280 | 有好的人才我們怎麼樣能夠攬財 |
| 02:22:18,280 | 02:22:21,280 | 怎麼樣能夠留財把這些人留下來 |
| 02:22:21,280 | 02:22:22,280 | 讓我們的金融更壯大 |
| 02:22:22,280 | 02:22:25,280 | 這才是我們可以做到的一個這個點 |
| 02:22:25,280 | 02:22:30,280 | 目前其實我們用憲法的規定來看 |
| 02:22:30,280 | 02:22:32,280 | 憲法第十條第四項也是有規定 |
| 02:22:32,280 | 02:22:35,280 | 就是國家對公營金融機構的管理 |
| 02:22:35,280 | 02:22:38,280 | 這個憲法已經有明定給我們這樣的一個方向 |
| 02:22:38,280 | 02:22:41,280 | 應該本著企業化經營的原則 |
| 02:22:41,280 | 02:22:44,280 | 所以他的人事預算決算審計等等 |
| 02:22:44,280 | 02:22:46,280 | 都可以做一些特別的規定 |
| 02:22:46,280 | 02:22:48,280 | 既然有一些特別的規定 |
| 02:22:48,280 | 02:22:51,280 | 但是我們目前都沒有按照憲法 |
| 02:22:51,280 | 02:22:55,280 | 跟我們的權限去做一些比較特別的企業化經營的管理 |
| 02:22:55,280 | 02:22:59,280 | 所以現在我們這三家國營金融機構 |
| 02:22:59,280 | 02:23:02,280 | 就受到很大的限制 |
| 02:23:02,280 | 02:23:04,280 | 因為管理制度不管是對 |
| 02:23:04,280 | 02:23:08,280 | 就是目前對所有的國營金融機構的管理 |
| 02:23:08,280 | 02:23:11,280 | 跟泛公股的管理其實兩個制度是不一樣的 |
| 02:23:11,280 | 02:23:13,280 | 所以造成我們目前 |
| 02:23:13,280 | 02:23:15,280 | 剛我們工會理事長特別提到 |
| 02:23:15,280 | 02:23:20,280 | 就是說我們在整個績效上面的一些呈現 |
| 02:23:20,280 | 02:23:23,280 | 雖然績效不比其他家要差 |
| 02:23:23,280 | 02:23:24,280 | 我要特別講一下 |
| 02:23:24,280 | 02:23:28,280 | 其實如果我加上這個政策性任務的話 |
| 02:23:28,280 | 02:23:31,280 | 這個所有的泛公股裡面我的績效是最好的 |
| 02:23:31,280 | 02:23:32,280 | 我要這樣講 |
| 02:23:32,280 | 02:23:35,280 | 真的因為我們承擔非常多的一些政策性的任務 |
| 02:23:35,280 | 02:23:37,280 | 但是我們的經營績效 |
| 02:23:38,280 | 02:23:42,280 | 完全沒有跟我們的薪酬制度或者是績效制度 |
| 02:23:42,280 | 02:23:44,280 | 或者是員工的福利制度掛鉤 |
| 02:23:44,280 | 02:23:45,280 | 包括我們的薪水 |
| 02:23:45,280 | 02:23:47,280 | 包括我們的績效酬勞 |
| 02:23:47,280 | 02:23:48,280 | 包括我們的員工酬勞 |
| 02:23:48,280 | 02:23:50,280 | 這些都受到拘束 |
| 02:23:50,280 | 02:23:52,280 | 剛剛這個我就不重複了 |
| 02:23:52,280 | 02:23:54,280 | 剛剛我們理事長有特別講過了 |
| 02:23:54,280 | 02:23:56,280 | 其實我們金管會的主管也在這邊 |
| 02:23:56,280 | 02:23:59,280 | 金管會其實前兩天還在金融延續院 |
| 02:23:59,280 | 02:24:03,280 | 金融延續院頒發了所謂的員工福利信託的一個獎項 |
| 02:24:03,280 | 02:24:08,280 | 特別鼓勵我們所有的金融機構都可以去辦理員工福利信託 |
| 02:24:08,280 | 02:24:11,280 | 不只銀行本身辦理員工福利信託 |
| 02:24:11,280 | 02:24:15,280 | 還包括可以幫所有的企業都辦理員工福利信託 |
| 02:24:15,280 | 02:24:19,280 | 這一項在我們三家國銀行庫裡面是沒有的 |
| 02:24:19,280 | 02:24:21,280 | 也就是說我們對員工的照顧方面 |
| 02:24:21,280 | 02:24:22,280 | 我還可以講嗎 |
| 02:24:24,280 | 02:24:25,280 | 對員工的照顧方面 |
| 02:24:25,280 | 02:24:30,280 | 其實跟其他的飯公股其實是處在一個比較不公平的一些狀態 |
| 02:24:31,280 | 02:24:33,280 | 其實剛剛理事長講很多 |
| 02:24:33,280 | 02:24:35,280 | 包括我們的員工我們現在少指化 |
| 02:24:35,280 | 02:24:37,280 | 我們希望鼓勵員工多指 |
| 02:24:37,280 | 02:24:38,280 | 等一下我聽你講好了 |
| 02:24:38,280 | 02:24:39,280 | 我可以繼續講嗎 |
| 02:24:39,280 | 02:24:40,280 | 等一下我聽你講好了 |
| 02:24:40,280 | 02:24:41,280 | 你要幫我講 |
| 02:24:41,280 | 02:24:42,280 | 那我再講一個 |
| 02:24:42,280 | 02:24:44,280 | 今天因為很多的學者專家 |
| 02:24:44,280 | 02:24:49,280 | 他們都擔任過我們飯公股的一個董事或是監察人 |
| 02:24:49,280 | 02:24:50,280 | 那我要講一下 |
| 02:24:50,280 | 02:24:53,280 | 我們不管是台灣金控或是台灣銀行 |
| 02:24:53,280 | 02:24:56,280 | 我們要請人家來擔任我們的董事的時候 |
| 02:24:56,280 | 02:24:57,280 | 其實是非常困難的 |
| 02:24:57,280 | 02:24:58,280 | 為什麼 |
| 02:24:58,280 | 02:25:00,280 | 因為連董監的酬勞都不一樣 |
| 02:25:00,280 | 02:25:02,280 | 不是只有我們員工的薪水不一樣 |
| 02:25:02,280 | 02:25:04,280 | 我們董監的酬勞都不一樣 |
| 02:25:04,280 | 02:25:06,280 | 所以每個人聽到我們的董監酬勞 |
| 02:25:06,280 | 02:25:10,280 | 他們寧願選擇就是去飯公股當董事或監察 |
| 02:25:10,280 | 02:25:13,280 | 我們是兩萬塊 |
| 02:25:13,280 | 02:25:14,280 | 他們呢 |
| 02:25:14,280 | 02:25:16,280 | 他們就六萬到八萬不等 |
| 02:25:16,280 | 02:25:19,280 | 如果單單這樣的話還會再更高 |
| 02:25:19,280 | 02:25:21,280 | 然後另外還有就是說我們 |
| 02:25:21,280 | 02:25:22,280 | 這講起來很多 |
| 02:25:22,280 | 02:25:23,280 | 很多細節 |
| 02:25:23,280 | 02:25:24,280 | 我聽你講 |
| 02:25:24,280 | 02:25:26,280 | 我等一下聽你講好不好 |
| 02:25:26,280 | 02:25:28,280 | 還有我們信息人員的這個退休制度 |
| 02:25:28,280 | 02:25:30,280 | 其實跟所有其他飯公股比起來 |
| 02:25:30,280 | 02:25:32,280 | 它是相對非常非常弱勢 |
| 02:25:32,280 | 02:25:36,280 | 這就是為什麼我們台灣銀行在最近的這一兩年的徵才當中 |
| 02:25:36,280 | 02:25:37,280 | 其實 |
| 02:25:37,280 | 02:25:41,280 | 你能不能聚焦在今天公共病的問題說 |
| 02:25:41,280 | 02:25:42,280 | 你要不要去病人家 |
| 02:25:42,280 | 02:25:44,280 | 人家剛剛講台灣第一 |
| 02:25:44,280 | 02:25:45,280 | 你要不要 |
| 02:25:45,280 | 02:25:47,280 | 還是第一台灣你又不要 |
| 02:25:47,280 | 02:25:49,280 | 公共病公民病 |
| 02:25:49,280 | 02:25:52,280 | 我都持樂觀其成的態度 |
| 02:25:52,280 | 02:25:54,280 | 只是說在目前的制度之下 |
| 02:25:54,280 | 02:25:56,280 | 我跟其他飯公股不一樣 |
| 02:25:56,280 | 02:25:58,280 | 沒有人要跟我病 |
| 02:25:58,280 | 02:25:59,280 | 我要去病別人 |
| 02:25:59,280 | 02:26:00,280 | 別人也不想病給我 |
| 02:26:00,280 | 02:26:03,280 | 所以一定要把整個制度讓它有一個稍微的一定性 |
| 02:26:03,280 | 02:26:05,280 | 所以你台灣金控就是沒人愛就對了 |
| 02:26:05,280 | 02:26:06,280 | 對啦 |
| 02:26:06,280 | 02:26:07,280 | 這樣好聽 |
| 02:26:07,280 | 02:26:09,280 | 這樣聽懂了 |
| 02:26:09,280 | 02:26:11,280 | 台灣金控沒人愛 |
| 02:26:11,280 | 02:26:13,280 | 但是台灣金控有人愛 |
| 02:26:13,280 | 02:26:14,280 | 都是沒人愛 |
| 02:26:14,280 | 02:26:17,280 | 因為我們這個整個福利待遇制度 |
| 02:26:17,280 | 02:26:19,280 | 其實沒有人要跟我們病 |
| 02:26:19,280 | 02:26:20,280 | 謝謝 |
| 02:26:20,280 | 02:26:27,280 | 跟肉依一家還有一個陳國穎的土地銀行的柯董事長 |
| 02:26:35,280 | 02:26:37,280 | 主席還有各位專家寫者 |
| 02:26:37,280 | 02:26:40,280 | 以及各位同學先進跟媒體記者大家好 |
| 02:26:40,280 | 02:26:42,280 | 土地銀行對於今天的主題 |
| 02:26:42,280 | 02:26:46,280 | 其實土地銀行目前是一個不動產專業銀行 |
| 02:26:46,280 | 02:26:51,280 | 並沒有去評估說會不會跟國標金控來做任何的合併 |
| 02:26:51,280 | 02:26:53,280 | 那如果真的做合併的話 |
| 02:26:53,280 | 02:26:56,280 | 就像剛剛台灣金控的董事長講的 |
| 02:26:56,280 | 02:26:59,280 | 其實事實上如果病進來了以後 |
| 02:26:59,280 | 02:27:00,280 | 由於它的股本很小 |
| 02:27:00,280 | 02:27:04,280 | 那我們百分之百的國營的持股的話 |
| 02:27:04,280 | 02:27:06,280 | 可能它的會病進來了以後 |
| 02:27:06,280 | 02:27:08,280 | 可能它可能就要下市了 |
| 02:27:08,280 | 02:27:12,280 | 因為政府的持股可能拿到百分之七八十以上 |
| 02:27:12,280 | 02:27:15,280 | 因為它只有淨值大概三百多億 |
| 02:27:15,280 | 02:27:18,280 | 那土地銀行現在大概兩千多億的淨值 |
| 02:27:18,280 | 02:27:20,280 | 那這樣病起來的話持股一換的話 |
| 02:27:20,280 | 02:27:27,280 | 可能整個來講可能會使得國票股權很期中 |
| 02:27:27,280 | 02:27:31,280 | 那可能它就可能也會變成國營的金控 |
| 02:27:31,280 | 02:27:34,280 | 那另外一個就是即使要合併的話 |
| 02:27:34,280 | 02:27:37,280 | 就像剛剛台灣金控的董事長講的 |
| 02:27:37,280 | 02:27:40,280 | 可能國票的同仁也不會很願意 |
| 02:27:40,280 | 02:27:44,280 | 因為整個的待遇的福利相差比較大 |
| 02:27:44,280 | 02:27:47,280 | 就像剛剛提到如果真的 |
| 02:27:47,280 | 02:27:50,280 | 我是不知道國票金控的董事長的薪水 |
| 02:27:50,280 | 02:27:54,280 | 如果以剛剛主席所講的那個金額的話 |
| 02:27:54,280 | 02:27:57,280 | 那大概是我們薪水的六七倍 |
| 02:27:57,280 | 02:28:00,280 | 我們董事長的薪水差距到這麼大 |
| 02:28:00,280 | 02:28:03,280 | 所以如果他們的員工甚至於他們的副總 |
| 02:28:03,280 | 02:28:05,280 | 或者是其他的高階的主管 |
| 02:28:05,280 | 02:28:07,280 | 可能會因為病進來了以後 |
| 02:28:07,280 | 02:28:09,280 | 他們可能很快就會離職 |
| 02:28:09,280 | 02:28:13,280 | 所以說整個病的中效可能也沒有如期那麼好 |
| 02:28:13,280 | 02:28:16,280 | 所以整個來講土地銀行並沒有去考慮到 |
| 02:28:16,280 | 02:28:18,280 | 是不是要合併這個事情 |
| 02:28:18,280 | 02:28:20,280 | 好那報告完畢 |
| 02:28:20,280 | 02:28:21,280 | 好謝謝 |
| 02:28:21,280 | 02:28:24,280 | 我們所有的關股銀行哪一家沒有講到的有沒有 |
| 02:28:24,280 | 02:28:26,280 | 都講過了 |
| 02:28:26,280 | 02:28:29,280 | 你們今天應該很痛快的心情很好 |
| 02:28:29,280 | 02:28:31,280 | 因為以前來這裡都沒有叫我們講話 |
| 02:28:31,280 | 02:28:33,280 | 今天我們講話也沒有 |
| 02:28:33,280 | 02:28:35,280 | 對不對講那麼多話 |
| 02:28:35,280 | 02:28:38,280 | 讓大家知道你們在想什麼 |
| 02:28:38,280 | 02:28:42,280 | 那麼再請財政部長給我們總和答覆的時候 |
| 02:28:42,280 | 02:28:45,280 | 幾件事請部長一定可不可以 |
| 02:28:45,280 | 02:28:47,280 | 最少大方向 |
| 02:28:47,280 | 02:28:49,280 | 我們立法院可以幫你忙 |
| 02:28:49,280 | 02:28:52,280 | 第一個剛才的台土書 |
| 02:28:52,280 | 02:28:54,280 | 大家都知道 |
| 02:28:54,280 | 02:29:00,280 | 他們從董總一直到員工基本上是非常辛苦的 |
| 02:29:00,280 | 02:29:02,280 | 他們跟辦公股差一大截 |
| 02:29:02,280 | 02:29:05,280 | 比如說生一個小孩子 |
| 02:29:05,280 | 02:29:07,280 | 台土書多少補助多少 |
| 02:29:07,280 | 02:29:08,280 | 五千 |
| 02:29:08,280 | 02:29:10,280 | 五千或六千對不對 |
| 02:29:10,280 | 02:29:12,280 | 趙豐金補助多少 |
| 02:29:12,280 | 02:29:13,280 | 講一下 |
| 02:29:13,280 | 02:29:14,280 | 放下一下 |
| 02:29:15,280 | 02:29:17,280 | 十二萬啦各位聽好了 |
| 02:29:18,280 | 02:29:20,280 | 台土書的員工 |
| 02:29:21,280 | 02:29:24,280 | 他生小孩補助五千 |
| 02:29:24,280 | 02:29:26,280 | 趙豐金 |
| 02:29:26,280 | 02:29:30,280 | 趙豐金的員工生一個小孩十二萬 |
| 02:29:31,280 | 02:29:33,280 | 各位差幾倍 |
| 02:29:33,280 | 02:29:37,280 | 為什麼我們台土書都小孩子是不是 |
| 02:29:38,280 | 02:29:39,280 | 你們聽懂嗎 |
| 02:29:39,280 | 02:29:41,280 | 生小孩聽懂嗎 |
| 02:29:41,280 | 02:29:43,280 | 怎麼會這樣子 |
| 02:29:43,280 | 02:29:44,280 | 所以第一件 |
| 02:29:45,280 | 02:29:48,280 | 部長等一下跟我們能不能公開承諾 |
| 02:29:48,280 | 02:29:51,280 | 我們反正會用努力台土書比上辦公股 |
| 02:29:52,280 | 02:29:53,280 | 待遇 |
| 02:29:53,280 | 02:29:54,280 | 會不會殺你 |
| 02:29:56,280 | 02:29:57,280 | 你最少給我研究一下 |
| 02:29:57,280 | 02:29:59,280 | 多久時間研究給我們 |
| 02:29:59,280 | 02:30:01,280 | 需要立法院退我們來退零一百 |
| 02:30:02,280 | 02:30:03,280 | 會不會殺你 |
| 02:30:03,280 | 02:30:06,280 | 贊成你幫我拍一下 |
| 02:30:07,280 | 02:30:09,280 | 這麼讚 |
| 02:30:10,280 | 02:30:11,280 | 光光小孩子 |
| 02:30:11,280 | 02:30:15,280 | 我們旁邊好多記者小野先生都年輕的 |
| 02:30:15,280 | 02:30:16,280 | 你看到 |
| 02:30:16,280 | 02:30:17,280 | 他眼睛一亮 |
| 02:30:17,280 | 02:30:19,280 | 這個生一個小孩子 |
| 02:30:19,280 | 02:30:20,280 | 那邊五千一千十二萬 |
| 02:30:20,280 | 02:30:21,280 | 台灣人要一千 |
| 02:30:22,280 | 02:30:24,280 | 所以趙豐金相對找人才容易 |
| 02:30:24,280 | 02:30:25,280 | 對不對 |
| 02:30:25,280 | 02:30:27,280 | 這第一點部長講一下 |
| 02:30:27,280 | 02:30:29,280 | 有沒有可能這個地方努力 |
| 02:30:29,280 | 02:30:30,280 | 你是部長 |
| 02:30:31,280 | 02:30:32,280 | 你最重要 |
| 02:30:32,280 | 02:30:33,280 | 第二個 |
| 02:30:34,280 | 02:30:36,280 | 今天的題目公共命的問題 |
| 02:30:36,280 | 02:30:37,280 | 就是 |
| 02:30:37,280 | 02:30:38,280 | 國票金 |
| 02:30:39,280 | 02:30:40,280 | 剛才張董事長講了 |
| 02:30:41,280 | 02:30:44,280 | 他會先改善內部的體質 |
| 02:30:45,280 | 02:30:46,280 | 那外面 |
| 02:30:46,280 | 02:30:48,280 | 就是跟我的觀念是一樣的 |
| 02:30:49,280 | 02:30:52,280 | 他是辦公股的一員 |
| 02:30:53,280 | 02:30:54,280 | 他不能夠例外 |
| 02:30:55,280 | 02:30:57,280 | 他的董總高層 |
| 02:30:57,280 | 02:30:58,280 | 高層到哪裡 |
| 02:30:58,280 | 02:30:59,280 | 有沒有到副總 |
| 02:30:59,280 | 02:31:01,280 | 這個財政部可以去考慮 |
| 02:31:01,280 | 02:31:03,280 | 這個我沒有意見你們 |
| 02:31:03,280 | 02:31:04,280 | 我尊重你們 |
| 02:31:04,280 | 02:31:06,280 | 但是一定層級 |
| 02:31:06,280 | 02:31:07,280 | 我個人就認為 |
| 02:31:07,280 | 02:31:10,280 | 總經理以上的罪責都比趙豐辦公股 |
| 02:31:10,280 | 02:31:11,280 | 他就是辦公股 |
| 02:31:12,280 | 02:31:13,280 | 在基層員工要不要改 |
| 02:31:13,280 | 02:31:15,280 | 基層員工我覺得不應該改 |
| 02:31:16,280 | 02:31:17,280 | 基層員工 |
| 02:31:17,280 | 02:31:19,280 | 那就你們去想 |
| 02:31:19,280 | 02:31:22,280 | 所以這個財政部長 |
| 02:31:22,280 | 02:31:23,280 | 你那麼支持 |
| 02:31:24,280 | 02:31:28,280 | 支持陳嘉他們去拿了國票金的副董事長 |
| 02:31:28,280 | 02:31:29,280 | 這裡面很多都 |
| 02:31:29,280 | 02:31:30,280 | 你要去承擔 |
| 02:31:31,280 | 02:31:32,280 | 第三個 |
| 02:31:32,280 | 02:31:36,280 | 等一下請本主委跟我們解釋一下 |
| 02:31:36,280 | 02:31:37,280 | 外界關心的 |
| 02:31:38,280 | 02:31:42,280 | 現在等於是產金分離的概念 |
| 02:31:42,280 | 02:31:43,280 | 因為 |
| 02:31:44,280 | 02:31:49,280 | 國票金的副董事長是陳某某 |
| 02:31:49,280 | 02:31:50,280 | 就他弟弟 |
| 02:31:50,280 | 02:31:52,280 | 本身又是產業界的董事長 |
| 02:31:52,280 | 02:31:54,280 | 然後他又是國票政 |
| 02:31:55,280 | 02:31:56,280 | 要副董事長 |
| 02:31:56,280 | 02:31:58,280 | 這個有沒有產金分離的問題 |
| 02:31:59,280 | 02:32:00,280 | 要是那我不知道 |
| 02:32:00,280 | 02:32:01,280 | 我不知道 |
| 02:32:02,280 | 02:32:05,280 | 外界有這樣的一個擔憂好不好 |
| 02:32:05,280 | 02:32:08,280 | 這請問提問先起財政部的亞中部長請 |
| 02:32:18,280 | 02:32:22,280 | 主席各位專家學者先進還有各位委員 |
| 02:32:22,280 | 02:32:26,280 | 以及我們在座的公股金融事業的董總們 |
| 02:32:26,280 | 02:32:27,280 | 還有媒體朋友 |
| 02:32:27,280 | 02:32:31,280 | 以及我們所有的行政部門的同仁們大家好 |
| 02:32:31,280 | 02:32:34,280 | 今天貴委員會舉辦有關 |
| 02:32:34,280 | 02:32:37,280 | 如何擬定泛公股合併的短中程策略 |
| 02:32:37,280 | 02:32:39,280 | 還有實施計畫的公聽會 |
| 02:32:39,280 | 02:32:41,280 | 本部誠邀列席 |
| 02:32:41,280 | 02:32:43,280 | 我就做簡要的說明如下 |
| 02:32:43,280 | 02:32:48,280 | 第一個公股金融機構整併的原則以及政策的立場 |
| 02:32:48,280 | 02:32:51,280 | 面對國際金融環境快速的變化 |
| 02:32:51,280 | 02:32:54,280 | 還有國內金融市場激烈競爭 |
| 02:32:54,280 | 02:32:59,280 | 本部積極督導我們公股金融機構提升經營績效 |
| 02:32:59,280 | 02:33:03,280 | 強化治理效能還有發揮政策性的功能 |
| 02:33:03,280 | 02:33:06,280 | 我們要兼顧營運的效益還有公共利益 |
| 02:33:06,280 | 02:33:09,280 | 對於公股金融機構整併的議題 |
| 02:33:09,280 | 02:33:12,280 | 本部秉持尊重市場機制 |
| 02:33:12,280 | 02:33:16,280 | 利害關係人合意以及忠孝優先的原則 |
| 02:33:16,280 | 02:33:19,280 | 並且在維持公股金融主導權 |
| 02:33:19,280 | 02:33:23,280 | 以及確保政策性任務不受影響的前提之下 |
| 02:33:23,280 | 02:33:29,280 | 我們視個案經營的條件市場環境股權結構以及整體效益 |
| 02:33:29,280 | 02:33:32,280 | 評估整併的可行性 |
| 02:33:32,280 | 02:33:36,280 | 依法循序推動相關的規劃 |
| 02:33:36,280 | 02:33:41,280 | 以提升公股金融機構整體競爭力及永續發展的能力 |
| 02:33:41,280 | 02:33:47,280 | 第二個公股金融機構整併必須要能夠發揮業務復補的忠孝 |
| 02:33:47,280 | 02:33:50,280 | 為了確保整併發揮實質的忠孝 |
| 02:33:50,280 | 02:33:56,280 | 政府的忠孝公股金融機構應該就維持公股經營的主導權 |
| 02:33:56,280 | 02:34:03,280 | 經營規模經濟、業務的復補性、資本適足性、風險的承擔能力 |
| 02:34:03,280 | 02:34:12,280 | 市場競爭、資訊系統的整合、人力資源的配置、內部控制以及公共利益等面向 |
| 02:34:12,280 | 02:34:14,280 | 進行完整的評估 |
| 02:34:14,280 | 02:34:17,280 | 並且以強化長期經營忠孝 |
| 02:34:17,280 | 02:34:19,280 | 維持金融市場穩定為目標 |
| 02:34:19,280 | 02:34:23,280 | 而且必須符合各事業長期發展的策略 |
| 02:34:23,280 | 02:34:29,280 | 第三個,與工會建立完整的溝通機制,妥善保障員工權益 |
| 02:34:29,280 | 02:34:31,280 | 第一個,在整併過程當中 |
| 02:34:31,280 | 02:34:35,280 | 公股金融機構應該要秉持勞資合作的精神 |
| 02:34:35,280 | 02:34:39,280 | 主動和工會協商建立溝通機制 |
| 02:34:39,280 | 02:34:42,280 | 事實說明整併的目的、規劃進度 |
| 02:34:42,280 | 02:34:44,280 | 以及對員工的影響 |
| 02:34:44,280 | 02:34:46,280 | 我們要廣納工會的意見 |
| 02:34:46,280 | 02:34:49,280 | 並且妥為回應,降低資訊的落差 |
| 02:34:49,280 | 02:34:52,280 | 化解員工疑慮,來凝聚共識 |
| 02:34:52,280 | 02:34:54,280 | 減少整併的阻力 |
| 02:34:54,280 | 02:34:56,280 | 第二,我們要依循企業併購法 |
| 02:34:56,280 | 02:34:58,280 | 以及相關勞動法規 |
| 02:34:58,280 | 02:35:02,280 | 確保員工年資還有其他勞動的條件 |
| 02:35:02,280 | 02:35:04,280 | 在整併期間不受影響 |
| 02:35:04,280 | 02:35:07,280 | 整併前,應該就員工權益處理事項 |
| 02:35:07,280 | 02:35:09,280 | 提具安置計畫 |
| 02:35:09,280 | 02:35:11,280 | 針對留任以及不願意留任的員工 |
| 02:35:11,280 | 02:35:15,280 | 我們要分別規劃職能轉型培訓 |
| 02:35:15,280 | 02:35:18,280 | 專長的謀和或者合理的優退方案 |
| 02:35:18,280 | 02:35:20,280 | 以妥善保障員工權益 |
| 02:35:20,280 | 02:35:23,280 | 以及降低人才流失的風險 |
| 02:35:23,280 | 02:35:25,280 | 第四個,我們要兼顧資本穩健 |
| 02:35:25,280 | 02:35:29,280 | 交易公平性還有股東權益的衡評 |
| 02:35:30,280 | 02:35:32,280 | 整併有助,擴大經營規模 |
| 02:35:32,280 | 02:35:36,280 | 提升資源運用的效率以及風險承受能力 |
| 02:35:36,280 | 02:35:40,280 | 但是,仍然應該以維持公股金融機構 |
| 02:35:40,280 | 02:35:42,280 | 健全的資本結構 |
| 02:35:42,280 | 02:35:44,280 | 以及良好的財務體制 |
| 02:35:44,280 | 02:35:46,280 | 作為評估的前提 |
| 02:35:46,280 | 02:35:49,280 | 審慎的檢視財務指標變化情形 |
| 02:35:49,280 | 02:35:51,280 | 以及資本需求的規劃 |
| 02:35:51,280 | 02:35:53,280 | 以因應未來業務發展 |
| 02:35:53,280 | 02:35:55,280 | 以及承擔風險能力 |
| 02:35:55,280 | 02:35:58,280 | 確保我們符合相關監理的規範 |
| 02:35:58,280 | 02:36:01,280 | 並且要具備穩健經營基礎 |
| 02:36:01,280 | 02:36:03,280 | 與永續發展的能力 |
| 02:36:03,280 | 02:36:06,280 | 第二個,要妥善評估整併的成本 |
| 02:36:06,280 | 02:36:08,280 | 資產的重估 |
| 02:36:08,280 | 02:36:09,280 | 併購資金的來源 |
| 02:36:09,280 | 02:36:11,280 | 以及股權轉換的機制 |
| 02:36:11,280 | 02:36:14,280 | 並且要依法違請具有公信力的 |
| 02:36:14,280 | 02:36:16,280 | 獨立專業機構 |
| 02:36:16,280 | 02:36:18,280 | 就雙方的資產品質 |
| 02:36:18,280 | 02:36:20,280 | 潛在的負債 |
| 02:36:20,280 | 02:36:23,280 | 以及股權價值進行公允評價 |
| 02:36:23,280 | 02:36:27,280 | 審慎訂定合理的換股比例或收購對價 |
| 02:36:27,280 | 02:36:30,280 | 以確保交易公平的合理 |
| 02:36:30,280 | 02:36:32,280 | 維護公股及資產價值 |
| 02:36:32,280 | 02:36:34,280 | 還有全體股東權益 |
| 02:36:34,280 | 02:36:37,280 | 避免損及公股以及小股東的權益 |
| 02:36:37,280 | 02:36:41,280 | 最後,我們要謝謝今天立法院的財委會 |
| 02:36:41,280 | 02:36:44,280 | 召開我們這個主題的公聽會 |
| 02:36:44,280 | 02:36:49,280 | 我們也聆聽了各位學者專家精闢的意見還有建議 |
| 02:36:49,280 | 02:36:53,280 | 以及我們的公會代表們的看法 |
| 02:36:53,280 | 02:36:57,280 | 那麼都會是我們在督導公股金融事業 |
| 02:36:57,280 | 02:37:01,280 | 在研議規劃推動公工病的時候 |
| 02:37:01,280 | 02:37:04,280 | 要納入考量的重要因素 |
| 02:37:04,280 | 02:37:08,280 | 讓公工病能夠真正的發揮整病的效益 |
| 02:37:08,280 | 02:37:12,280 | 提升公股金融機構的競爭力 |
| 02:37:12,280 | 02:37:16,280 | 至於剛剛我們主席所提示的 |
| 02:37:16,280 | 02:37:19,280 | 要在做相關的部分的一些回應的部分 |
| 02:37:19,280 | 02:37:24,280 | 有關台土書我們的國營金融事業的福利的待遇的部分 |
| 02:37:24,280 | 02:37:27,280 | 首先就生育的補助的部分 |
| 02:37:27,280 | 02:37:32,280 | 目前已是全面提升到生一個孩子十萬元 |
| 02:37:32,280 | 02:37:35,280 | 如果原來的補助不足十萬元 |
| 02:37:35,280 | 02:37:38,280 | 那會補足到十萬元這是一致性的 |
| 02:37:38,280 | 02:37:41,280 | 而且是全國一致是十萬元生育 |
| 02:37:41,280 | 02:37:44,280 | 那另外再有相關的福利待遇的部分 |
| 02:37:44,280 | 02:37:48,280 | 等一下等一下補助十萬是除了幾年 |
| 02:37:48,280 | 02:37:51,280 | 是五年內生的還是三年內生的都可以 |
| 02:37:51,280 | 02:37:56,280 | 第一個是他本身銀行的一個相關的保險的補助 |
| 02:37:56,280 | 02:38:00,280 | 然後另外不足的部分是由我們衛福部這邊 |
| 02:38:00,280 | 02:38:03,280 | 有關人口對策裡面本來就有這個項目 |
| 02:38:03,280 | 02:38:06,280 | 是提都補足到十萬元 |
| 02:38:06,280 | 02:38:11,280 | 我想這個部分我想各個我們的同仁們應該都知道 |
| 02:38:11,280 | 02:38:14,280 | 那另外在於相關福利的部分 |
| 02:38:14,280 | 02:38:19,280 | 之前我們也彙整了我們國營的金融事業的相關的需求 |
| 02:38:19,280 | 02:38:21,280 | 我們也提報到行政院 |
| 02:38:21,280 | 02:38:25,280 | 我想這個部分院裡面也都會很重視的在做研議的 |
| 02:38:25,280 | 02:38:28,280 | 那至於待遇的部分因為涉及到他是國營事業 |
| 02:38:28,280 | 02:38:30,280 | 國營事業不管是在國營事業管理法 |
| 02:38:30,280 | 02:38:33,280 | 最近有一些討論的修正討論的時候 |
| 02:38:33,280 | 02:38:36,280 | 財政部也提出了相關的一些建議 |
| 02:38:36,280 | 02:38:42,280 | 我們希望我們的公股金融事業能夠有一些不同的一些規定 |
| 02:38:42,280 | 02:38:46,280 | 那我們也目前來說也提出我們財政部的一些看法 |
| 02:38:46,280 | 02:38:52,280 | 所以在提高我們的國營金融事業的一個待遇跟福利的部分 |
| 02:38:52,280 | 02:38:56,280 | 財政部基本上是持的一個支持的一個態度 |
| 02:38:56,280 | 02:38:59,280 | 我想謝謝委員這方面的關心以及推動 |
| 02:38:59,280 | 02:39:05,280 | 那至於有關您剛剛提到的國票金的薪酬的部分 |
| 02:39:05,280 | 02:39:08,280 | 那剛剛我們張董事長也提到了這個部分 |
| 02:39:08,280 | 02:39:13,280 | 他們會進行有關董總副董的薪酬的一些檢討 |
| 02:39:13,280 | 02:39:16,280 | 那對於薪酬的檢討在公司裡面有它一定的制度 |
| 02:39:16,280 | 02:39:19,280 | 它必須有薪酬委員會來做討論 |
| 02:39:19,280 | 02:39:21,280 | 然後再送他們的董事會 |
| 02:39:21,280 | 02:39:25,280 | 那這個部分應該在他們的國票金裡面 |
| 02:39:25,280 | 02:39:28,280 | 已經開始在做相關的一些檢討的一些作業 |
| 02:39:28,280 | 02:39:30,280 | 這以上我的一個說明 |
| 02:39:30,280 | 02:39:31,280 | 謝謝委員 |
| 02:39:31,280 | 02:39:34,280 | 等一下等一下 |
| 02:39:34,280 | 02:39:37,280 | 我仔細讀了你的結語 |
| 02:39:37,280 | 02:39:42,280 | 你看本部對於公股金融機構的整並 |
| 02:39:42,280 | 02:39:46,280 | 維持公股經營主導權的前提下 |
| 02:39:46,280 | 02:39:48,280 | 持開放態度 |
| 02:39:48,280 | 02:39:52,280 | 積極鼓勵公股金融機構等等等等 |
| 02:39:52,280 | 02:39:55,280 | 你這個話的意思是你目前沒有看法 |
| 02:39:55,280 | 02:39:58,280 | 就是說open to everybody |
| 02:39:58,280 | 02:40:01,280 | open to anything that could be happen |
| 02:40:01,280 | 02:40:04,280 | 就是你說公共病你自己來 |
| 02:40:04,280 | 02:40:06,280 | 財政部沒有立場 |
| 02:40:06,280 | 02:40:07,280 | 是這樣子嗎 |
| 02:40:07,280 | 02:40:09,280 | 沒有看法沒有想法 |
| 02:40:09,280 | 02:40:10,280 | 跟委員報告 |
| 02:40:10,280 | 02:40:13,280 | 我們的看法跟我們的立場在我們報告裡面講得很清楚 |
| 02:40:13,280 | 02:40:16,280 | 你結語寫得很清楚 |
| 02:40:16,280 | 02:40:18,280 | 我結語是這樣寫 |
| 02:40:18,280 | 02:40:21,280 | 但我相信在這樣的原則之下來 |
| 02:40:21,280 | 02:40:23,280 | 做相關的研議跟推動跟督導 |
| 02:40:23,280 | 02:40:25,280 | 我想這個部分 |
| 02:40:25,280 | 02:40:28,280 | 也就是剛剛也大家董事長也提到 |
| 02:40:28,280 | 02:40:32,280 | 這個部分我們必須要在剛剛我們所提的政策 |
| 02:40:32,280 | 02:40:35,280 | 跟原則的前提之下去做評估的 |
| 02:40:35,280 | 02:40:38,280 | 這個這個好吧你這樣講 |
| 02:40:38,280 | 02:40:41,280 | 那就真的要解決高度質疑 |
| 02:40:41,280 | 02:40:44,280 | 那你為什麼要將近一百億去 |
| 02:40:44,280 | 02:40:47,280 | 要去把這個國標金吃進來 |
| 02:40:47,280 | 02:40:48,280 | 根本就不需要吃 |
| 02:40:48,280 | 02:40:51,280 | 你這是開放的你目前沒有想法 |
| 02:40:51,280 | 02:40:53,280 | 你說我已經想法了 |
| 02:40:53,280 | 02:40:57,280 | 但是我不能公佈國標金要跟哪一家公佈 |
| 02:40:57,280 | 02:40:58,280 | 何必有想法 |
| 02:40:58,280 | 02:40:59,280 | 那就不一樣 |
| 02:40:59,280 | 02:41:01,280 | 那我就覺得說我尊敬你 |
| 02:41:01,280 | 02:41:02,280 | 可是你現在目前沒有 |
| 02:41:02,280 | 02:41:04,280 | 就一副就不知道怎麼辦 |
| 02:41:04,280 | 02:41:07,280 | 然後你看開放開度你自己來 |
| 02:41:07,280 | 02:41:09,280 | 你們自己自己看 |
| 02:41:09,280 | 02:41:10,280 | 你們要病就去病 |
| 02:41:10,280 | 02:41:11,280 | 跟我沒有關係 |
| 02:41:11,280 | 02:41:12,280 | 一副這個樣子 |
| 02:41:12,280 | 02:41:13,280 | 一副這個樣子 |
| 02:41:13,280 | 02:41:14,280 | 我們沒有這樣 |
| 02:41:14,280 | 02:41:15,280 | 我們並不是這樣的一個 |
| 02:41:15,280 | 02:41:17,280 | 我看你前面就這樣子 |
| 02:41:17,280 | 02:41:19,280 | 我們不是這樣的一個想法 |
| 02:41:19,280 | 02:41:20,280 | 是寫錯了 |
| 02:41:20,280 | 02:41:22,280 | 不是寫錯了 |
| 02:41:23,280 | 02:41:24,280 | 這個我看你 |
| 02:41:24,280 | 02:41:26,280 | 你剛才直接高度解決 |
| 02:41:26,280 | 02:41:29,280 | 我想委員剛剛我也提到了就是說 |
| 02:41:29,280 | 02:41:34,280 | 我們謝謝今天台委會召開這樣的一個公聽會 |
| 02:41:34,280 | 02:41:35,280 | 那我們也聽了許多 |
| 02:41:35,280 | 02:41:37,280 | 我們在座的各位專家學者 |
| 02:41:37,280 | 02:41:39,280 | 精闢的意見跟建議 |
| 02:41:39,280 | 02:41:41,280 | 那麼後續我們在督導的時候 |
| 02:41:41,280 | 02:41:43,280 | 都會把那些建議跟參考 |
| 02:41:43,280 | 02:41:44,280 | 所以委員不要 |
| 02:41:44,280 | 02:41:46,280 | 謝謝委員的指教 |
| 02:41:46,280 | 02:41:50,280 | 因為我們在相關的部分 |
| 02:41:50,280 | 02:41:52,280 | 持開放態度 |
| 02:41:52,280 | 02:41:56,280 | 然後鼓勵公共金融機構 |
| 02:41:56,280 | 02:41:58,280 | 自己評估推動 |
| 02:41:58,280 | 02:41:59,280 | 就你都沒 |
| 02:41:59,280 | 02:42:01,280 | 你是路人節啊 |
| 02:42:01,280 | 02:42:02,280 | 別這樣子啊 |
| 02:42:02,280 | 02:42:03,280 | 這個這個結語 |
| 02:42:03,280 | 02:42:06,280 | 你們你要找誰幫你寫結語的 |
| 02:42:06,280 | 02:42:08,280 | 結語這樣寫看不 |
| 02:42:08,280 | 02:42:09,280 | 完全沒有概念 |
| 02:42:09,280 | 02:42:12,280 | 這個這個前面寫得還不錯 |
| 02:42:12,280 | 02:42:14,280 | 後面結語一下你寫了 |
| 02:42:14,280 | 02:42:15,280 | 你去去 |
| 02:42:15,280 | 02:42:17,280 | 好不好這個努力一下 |
| 02:42:17,280 | 02:42:19,280 | 讓我們台讀書 |
| 02:42:19,280 | 02:42:21,280 | 比照泛光圖 |
| 02:42:21,280 | 02:42:24,280 | 這個需要我們來修法 |
| 02:42:24,280 | 02:42:25,280 | 我們都可以修法 |
| 02:42:25,280 | 02:42:26,280 | 國語是有國語法 |
| 02:42:26,280 | 02:42:28,280 | 當然他有相關的制度跟法規 |
| 02:42:28,280 | 02:42:29,280 | 我相信 |
| 02:42:29,280 | 02:42:31,280 | 感謝委員的支持 |
| 02:42:31,280 | 02:42:32,280 | 謝謝 |
| 02:42:32,280 | 02:42:33,280 | 我們支持 |
| 02:42:33,280 | 02:42:34,280 | 好謝謝 |
| 02:42:34,280 | 02:42:37,280 | 是不是最後我們請金管會的彭主委 |
| 02:42:37,280 | 02:42:40,280 | 從監理制度來看這個 |
| 02:42:46,280 | 02:42:47,280 | 主席各位先進 |
| 02:42:47,280 | 02:42:49,280 | 各位媒體朋友大家早 |
| 02:42:49,280 | 02:42:52,280 | 我想有關金融診病 |
| 02:42:52,280 | 02:42:57,280 | 主要是由金融機構依循公司治理程序來決定 |
| 02:42:57,280 | 02:43:01,280 | 並且依照規定向金管會申請核准或辦理 |
| 02:43:01,280 | 02:43:03,280 | 我想金管會的角色 |
| 02:43:03,280 | 02:43:09,280 | 在於建立明確的併購法制及營造友善的併購環境 |
| 02:43:09,280 | 02:43:11,280 | 現行的金融機構合併法 |
| 02:43:11,280 | 02:43:12,280 | 金融控股公司法 |
| 02:43:12,280 | 02:43:14,280 | 以及企業併購法等相關法令 |
| 02:43:14,280 | 02:43:18,280 | 已經提供了金融診病完備的法制基礎 |
| 02:43:18,280 | 02:43:22,280 | 並沒有因為股東身份而有區別 |
| 02:43:22,280 | 02:43:23,280 | 我想對於金融機構 |
| 02:43:23,280 | 02:43:26,280 | 基於業務發展需要進行之診病 |
| 02:43:26,280 | 02:43:30,280 | 再依照市場機制遵循法令規定 |
| 02:43:30,280 | 02:43:34,280 | 符合社會利益與財務業務健全等原則下 |
| 02:43:34,280 | 02:43:36,280 | 金管會都會予以尊重 |
| 02:43:36,280 | 02:43:40,280 | 然後也會依照相關規定謹慎的審查 |
| 02:43:40,280 | 02:43:45,280 | 我想依照金融機構合併法以及相關規定 |
| 02:43:45,280 | 02:43:47,280 | 金融機構向主管機關申請合併的時候 |
| 02:43:47,280 | 02:43:52,280 | 本來就應該提具受僱人權益處理等重要的說明事項 |
| 02:43:52,280 | 02:43:56,280 | 金管會會將就員工權益保障事項納入審酌 |
| 02:43:56,280 | 02:44:00,280 | 並督導金融機構確實依照勞動基準法令辦理 |
| 02:44:00,280 | 02:44:04,280 | 我想未來對於金融機構的診病案件 |
| 02:44:04,280 | 02:44:08,280 | 金管會會秉持這個職責本於監理的職責 |
| 02:44:08,280 | 02:44:11,280 | 依法審慎處理以促進金融市場的健全發展 |
| 02:44:11,280 | 02:44:14,280 | 敬請各位指教 |
| 02:44:14,280 | 02:44:17,280 | 我想剛才有關主席提到的這個問題呢 |
| 02:44:17,280 | 02:44:18,280 | 我想今天是公聽會 |
| 02:44:18,280 | 02:44:22,280 | 我想再提書面的方式跟主席說明 |
| 02:44:22,280 | 02:44:23,280 | 謝謝 |
| 02:44:24,280 | 02:44:25,280 | 好 謝謝 |
| 02:44:25,280 | 02:44:30,280 | 我們還有一位相關的部會公評會 |
| 02:44:30,280 | 02:44:33,280 | 要不要回應一下公評會 |
| 02:44:33,280 | 02:44:35,280 | 簡單講幾句好不好 |
| 02:44:47,280 | 02:44:49,280 | 主席各位與會先進大家好 |
| 02:44:49,280 | 02:44:50,280 | 大家好 |
| 02:44:50,280 | 02:44:53,280 | 那公評會針對今天討論的議題 |
| 02:44:53,280 | 02:44:55,280 | 我們做一個簡單的報告 |
| 02:44:55,280 | 02:44:59,280 | 那有關金融機構在合併的這個相關的議題 |
| 02:44:59,280 | 02:45:02,280 | 主要是涉及到我們結合的管制 |
| 02:45:02,280 | 02:45:05,280 | 那公平交易法針對結合管制 |
| 02:45:05,280 | 02:45:07,280 | 在第十一條第1項有規定 |
| 02:45:07,280 | 02:45:09,280 | 就是參與結合事業 |
| 02:45:09,280 | 02:45:11,280 | 他的市占率或者是銷售金額 |
| 02:45:11,280 | 02:45:13,280 | 達到一定門檻的時候 |
| 02:45:13,280 | 02:45:17,280 | 就必須在結合之前向公評會申報結合 |
| 02:45:17,280 | 02:45:20,280 | 那在銷售金額的部分 |
| 02:45:20,280 | 02:45:22,280 | 今年我們公評會所公告的 |
| 02:45:22,280 | 02:45:25,280 | 金融機構的銷售金額是指 |
| 02:45:27,280 | 02:45:31,280 | 上一會計年度銷售金額達到超過400億元 |
| 02:45:31,280 | 02:45:33,280 | 以及另外一個結合的金融機構 |
| 02:45:33,280 | 02:45:35,280 | 超過30億元的時候 |
| 02:45:35,280 | 02:45:37,280 | 達到這個結合門檻的時候 |
| 02:45:37,280 | 02:45:39,280 | 就應該向公評會來申報 |
| 02:45:39,280 | 02:45:43,280 | 那在金融機構向本會申報之後 |
| 02:45:43,280 | 02:45:46,280 | 那我們的結合的案件的處理 |
| 02:45:46,280 | 02:45:50,280 | 原則上是依照本會所訂的結合案件的處理原則 |
| 02:45:50,280 | 02:45:53,280 | 所列的評估因素進行審查 |
| 02:45:53,280 | 02:45:56,280 | 那因為我們會考慮到金融產業的一些特殊性 |
| 02:45:56,280 | 02:46:00,280 | 所以本會在審查金融機構在結合的時候 |
| 02:46:00,280 | 02:46:04,280 | 都會充分的徵詢目的事業主管機關 |
| 02:46:04,280 | 02:46:07,280 | 也就是金管會的相關的意見 |
| 02:46:07,280 | 02:46:09,280 | 那我們針對於金融 |
| 02:46:09,280 | 02:46:11,280 | 我們除了徵詢主管機關意見之外 |
| 02:46:11,280 | 02:46:14,280 | 我們也會考量到金融產業的 |
| 02:46:14,280 | 02:46:16,280 | 金融穩定性健全性 |
| 02:46:16,280 | 02:46:19,280 | 以及金融服務普及性進變性 |
| 02:46:19,280 | 02:46:21,280 | 以及金融服務創新的面向的影響 |
| 02:46:21,280 | 02:46:23,280 | 我們整體評估之後 |
| 02:46:23,280 | 02:46:26,280 | 我們再會依照公評教育法所規定的 |
| 02:46:26,280 | 02:46:28,280 | 結合的整體的經濟利益 |
| 02:46:28,280 | 02:46:31,280 | 有沒有大於限制競爭的不利益 |
| 02:46:31,280 | 02:46:33,280 | 來做一個準薄的規定 |
| 02:46:33,280 | 02:46:35,280 | 那以上是我們簡報的報告謝謝 |
| 02:46:37,280 | 02:46:43,280 | 好謝謝這個公務會的長官給我們的回應 |
| 02:46:43,280 | 02:46:48,280 | 現在有關於行政機關都已經做回應了 |
| 02:46:48,280 | 02:46:50,280 | 請問現場的專家學者 |
| 02:46:50,280 | 02:46:53,280 | 有沒有要第二次發言的 |
| 02:46:54,280 | 02:46:56,280 | 好沒有的話 |
| 02:46:56,280 | 02:47:00,280 | 那我這裡就做一個結論 |
| 02:47:00,280 | 02:47:01,280 | 做一個結論 |
| 02:47:01,280 | 02:47:07,280 | 那麼今天其實是依據立法院直覺行事法58條 |
| 02:47:07,280 | 02:47:12,280 | 委員會應該在公聽會總結後10天內 |
| 02:47:12,280 | 02:47:15,280 | 依出席者所提供的正反意見 |
| 02:47:15,280 | 02:47:17,280 | 提出公聽會的報告 |
| 02:47:17,280 | 02:47:21,280 | 並送交本院權力委員區出席者 |
| 02:47:21,280 | 02:47:27,280 | 所以我們會把今天與會者所有的這個專家學者 |
| 02:47:27,280 | 02:47:30,280 | 寶貴的發言意見做為未來宣傳的參考 |
| 02:47:30,280 | 02:47:35,280 | 並會邊陳冊送交本院權力委員 |
| 02:47:35,280 | 02:47:39,280 | 及今日出立席的提供建議的貴賓參閱 |
| 02:47:39,280 | 02:47:42,280 | 如果各位貴賓還有其他意見 |
| 02:47:42,280 | 02:47:47,280 | 歡迎提供給我們我們並入這次的公聽會的報告 |
| 02:47:47,280 | 02:47:52,280 | 那麼最後結束之前我還是再次的講兩句 |
| 02:47:52,280 | 02:47:55,280 | 第一個就是今天談的公共病 |
| 02:47:55,280 | 02:47:58,280 | 大家知道台灣台灣這麼小一個地方 |
| 02:47:58,280 | 02:48:02,280 | 其實是大家都了解是over banking |
| 02:48:02,280 | 02:48:05,280 | over banking方式就是減少 |
| 02:48:05,280 | 02:48:07,280 | 減少就是透過合併 |
| 02:48:07,280 | 02:48:10,280 | 今天財政部這麼大的動作 |
| 02:48:10,280 | 02:48:13,280 | 病了吃掉了亞國表金 |
| 02:48:13,280 | 02:48:16,280 | 這老實講跟世界潮流是非常不一樣的 |
| 02:48:16,280 | 02:48:19,280 | 世界潮流一定是攻轉民 |
| 02:48:19,280 | 02:48:21,280 | 結果現在變民變攻 |
| 02:48:21,280 | 02:48:23,280 | 所以就出現到一個問題 |
| 02:48:23,280 | 02:48:28,280 | 就是現在民的原來他的待遇這麼高 |
| 02:48:28,280 | 02:48:30,280 | 變成半工股待遇的降低會打折 |
| 02:48:30,280 | 02:48:32,280 | 要打折到什麼層級 |
| 02:48:32,280 | 02:48:36,280 | 董事長總經理副董事長副總要不要 |
| 02:48:36,280 | 02:48:38,280 | 經理要不要打折 |
| 02:48:38,280 | 02:48:40,280 | 員工可以不要這些要不要 |
| 02:48:40,280 | 02:48:42,280 | 這個都是問題 |
| 02:48:42,280 | 02:48:44,280 | 就代表當初你們介入的時候 |
| 02:48:44,280 | 02:48:46,280 | 都沒有去想這個東西 |
| 02:48:46,280 | 02:48:50,280 | 第二點就是當初要吃掉國表金 |
| 02:48:50,280 | 02:48:52,280 | 變成半工股的時候 |
| 02:48:52,280 | 02:48:54,280 | 半工股的時候大家當然認為 |
| 02:48:54,280 | 02:48:56,280 | 你們是要推動公共病 |
| 02:48:56,280 | 02:48:58,280 | 要跟某一家病 |
| 02:48:58,280 | 02:49:02,280 | 當然你你我寧願你會相信說 |
| 02:49:02,280 | 02:49:04,280 | 你這裡是保密不講 |
| 02:49:04,280 | 02:49:06,280 | 我們寧願這樣子 |
| 02:49:06,280 | 02:49:08,280 | 不會看到說 |
| 02:49:08,280 | 02:49:10,280 | 根本就沒有想法 |
| 02:49:10,280 | 02:49:12,280 | 報告裡面沒有想法 |
| 02:49:12,280 | 02:49:14,280 | 第三點我強調的 |
| 02:49:14,280 | 02:49:16,280 | 沒有公共病的第二個階段的時候 |
| 02:49:16,280 | 02:49:22,280 | 那你把整個國表金從民間變成半工股 |
| 02:49:22,280 | 02:49:24,280 | 那就是大錯特錯 |
| 02:49:24,280 | 02:49:26,280 | 那只是大家會覺得說 |
| 02:49:26,280 | 02:49:30,280 | 那不就跟過去的奧斯金改很接近 |
| 02:49:30,280 | 02:49:34,280 | 政府的資源去圖利某一個集團 |
| 02:49:34,280 | 02:49:36,280 | 就這樣子而已 |
| 02:49:36,280 | 02:49:38,280 | 感覺非常不好 |
| 02:49:38,280 | 02:49:40,280 | 這是我特別提出了三點的一個看法 |
| 02:49:40,280 | 02:49:42,280 | 做一個這樣的結論 |
| 02:49:42,280 | 02:49:44,280 | 再次感謝各位 |
| 02:49:44,280 | 02:49:46,280 | 學子專家新冠代表主席 |
| 02:49:46,280 | 02:49:48,280 | 謝謝大家我們今天上會 |
| 02:49:48,280 | 02:49:50,280 | 謝謝 |
| 02:50:00,280 | 02:50:02,280 | 謝謝 |
| 02:50:30,280 | 02:50:32,280 | 謝謝 |
| 02:51:00,280 | 02:51:02,280 | 謝謝 |
| 02:51:30,280 | 02:51:32,280 | 謝謝 |
| 02:52:00,280 | 02:52:02,280 | 謝謝 |
| 02:52:30,280 | 02:52:32,280 | 謝謝 |
| 02:53:00,280 | 02:53:02,280 | 謝謝 |
| 02:53:02,280 | 02:53:04,280 | 謝謝 |
| 02:53:04,280 | 02:53:06,280 | 謝謝 |
| 02:53:06,280 | 02:53:08,280 | 謝謝 |
| 02:53:08,280 | 02:53:10,280 | 謝謝 |
| 02:53:10,280 | 02:53:12,280 | 謝謝 |
| 02:53:12,280 | 02:53:14,280 | 謝謝 |
| 02:53:14,280 | 02:53:16,280 | 謝謝 |
| 02:53:16,280 | 02:53:18,280 | 謝謝 |
| 02:53:18,280 | 02:53:20,280 | 謝謝 |
| 02:53:20,280 | 02:53:22,280 | 謝謝 |
| 02:53:22,280 | 02:53:24,280 | 謝謝 |
| 02:53:24,280 | 02:53:26,280 | 謝謝 |
| 02:53:26,280 | 02:53:28,280 | 謝謝 |
| 02:53:28,280 | 02:53:30,280 | 謝謝 |
| 02:53:30,280 | 02:53:32,280 | 謝謝 |
| 02:53:32,280 | 02:53:34,280 | 謝謝 |
| 02:53:34,280 | 02:53:36,280 | 謝謝 |
| 02:53:36,280 | 02:53:38,280 | 謝謝 |
| 02:53:38,280 | 02:53:40,280 | 謝謝 |
| 02:53:40,280 | 02:53:42,280 | 謝謝 |
| 02:53:42,280 | 02:53:44,280 | 謝謝 |
| 02:53:44,280 | 02:53:46,280 | 謝謝 |
| 02:53:46,280 | 02:53:48,280 | 謝謝 |
| 02:53:48,280 | 02:53:50,280 | 謝謝 |
| 02:53:50,280 | 02:53:52,280 | 謝謝 |
| 02:53:52,280 | 02:53:54,280 | 謝謝 |
| 02:53:54,280 | 02:53:56,280 | 謝謝 |
| 02:53:56,280 | 02:53:58,280 | 謝謝 |
| 02:53:58,280 | 02:54:00,280 | 謝謝 |
| 02:54:00,280 | 02:54:02,280 | 謝謝 |
| 02:54:02,280 | 02:54:04,280 | 謝謝 |
| 02:54:04,280 | 02:54:06,280 | 謝謝 |
| 02:54:06,280 | 02:54:08,280 | 謝謝 |
| 02:54:08,280 | 02:54:10,280 | 謝謝 |
| 02:54:10,280 | 02:54:12,280 | 謝謝 |
| 02:54:12,280 | 02:54:14,280 | 謝謝 |
| 02:54:14,280 | 02:54:16,280 | 謝謝 |
| 02:54:16,280 | 02:54:18,280 | 謝謝 |
| 02:54:18,280 | 02:54:20,280 | 謝謝 |
| 02:54:20,280 | 02:54:22,280 | 謝謝 |
| 02:54:22,280 | 02:54:24,280 | 謝謝 |
| 02:54:24,280 | 02:54:26,280 | 謝謝 |
| 02:54:26,280 | 02:54:28,280 | 謝謝 |
| 02:54:28,280 | 02:54:30,280 | 謝謝 |
| 02:54:30,280 | 02:54:32,280 | 謝謝 |
| 02:54:32,280 | 02:54:34,280 | 謝謝 |
| 02:54:34,280 | 02:54:36,280 | 謝謝 |
| 02:54:36,280 | 02:54:38,280 | 謝謝 |
| 02:54:38,280 | 02:54:40,280 | 謝謝 |
| 02:54:40,280 | 02:54:42,280 | 謝謝 |
| 02:54:42,280 | 02:54:44,280 | 謝謝 |
| 02:54:44,280 | 02:54:46,280 | 謝謝 |
| 02:54:46,280 | 02:54:48,280 | 謝謝 |
| 02:54:48,280 | 02:54:50,280 | 謝謝 |
| 02:54:50,280 | 02:54:52,280 | 謝謝 |
| 02:54:52,280 | 02:54:54,280 | 謝謝 |
| 02:54:54,280 | 02:54:56,280 | 謝謝 |
| 02:54:56,280 | 02:54:58,280 | 謝謝 |
| 02:54:58,280 | 02:55:00,280 | 謝謝 |
| 02:55:00,280 | 02:55:02,280 | 謝謝 |
| 02:55:02,280 | 02:55:04,280 | 謝謝 |
| 02:55:04,280 | 02:55:06,280 | 謝謝 |
| 02:55:06,280 | 02:55:08,280 | 謝謝 |
| 02:55:08,280 | 02:55:10,280 | 謝謝 |
| 02:55:10,280 | 02:55:12,280 | 謝謝 |
| 02:55:12,280 | 02:55:14,280 | 謝謝 |
| 02:55:14,280 | 02:55:16,280 | 謝謝 |
| 02:55:16,280 | 02:55:18,280 | 謝謝 |
| 02:55:18,280 | 02:55:20,280 | 謝謝 |
| 02:55:20,280 | 02:55:22,280 | 謝謝 |
| 02:55:22,280 | 02:55:24,280 | 謝謝 |
| 02:55:24,280 | 02:55:26,280 | 謝謝 |
| 02:55:26,280 | 02:55:28,280 | 謝謝 |
| 02:55:28,280 | 02:55:30,280 | 謝謝 |
| 02:55:30,280 | 02:55:32,280 | 謝謝 |
| 02:55:32,280 | 02:55:34,280 | 謝謝 |
| 02:55:34,280 | 02:55:36,280 | 謝謝 |
| 02:55:36,280 | 02:55:38,280 | 謝謝 |
| 02:55:38,280 | 02:55:40,280 | 謝謝 |
| 02:55:40,280 | 02:55:42,280 | 謝謝 |
| 02:55:42,280 | 02:55:44,280 | 謝謝 |
| 02:55:44,280 | 02:55:46,280 | 謝謝 |
| 02:55:46,280 | 02:55:48,280 | 謝謝 |
| 02:55:48,280 | 02:55:50,280 | 謝謝 |
| 02:55:50,280 | 02:55:52,280 | 謝謝 |
| 02:55:52,280 | 02:55:54,280 | 謝謝 |
| 02:55:54,280 | 02:55:56,280 | 謝謝 |
| 02:55:56,280 | 02:55:58,280 | 謝謝 |
| 02:55:58,280 | 02:56:00,280 | 謝謝 |
| 02:56:00,280 | 02:56:02,280 | 謝謝 |
| 02:56:02,280 | 02:56:04,280 | 謝謝 |
| 02:56:04,280 | 02:56:06,280 | 謝謝 |
| 02:56:06,280 | 02:56:08,280 | 謝謝 |
| 02:56:08,280 | 02:56:10,280 | 謝謝 |
| 02:56:10,280 | 02:56:12,280 | 謝謝 |
| 02:56:12,280 | 02:56:14,280 | 謝謝 |
| 02:56:14,280 | 02:56:16,280 | 謝謝 |
| 02:56:16,280 | 02:56:18,280 | 謝謝 |
| 02:56:18,280 | 02:56:20,280 | 謝謝 |
| 02:56:20,280 | 02:56:22,280 | 謝謝 |
| 02:56:22,280 | 02:56:24,280 | 謝謝 |
| 02:56:24,280 | 02:56:26,280 | 謝謝 |
| 02:56:26,280 | 02:56:28,280 | 謝謝 |
| 02:56:28,280 | 02:56:30,280 | 謝謝 |
| 02:56:30,280 | 02:56:32,280 | 謝謝 |
| 02:56:32,280 | 02:56:34,280 | 謝謝 |
| 02:56:34,280 | 02:56:36,280 | 謝謝 |
| 02:56:36,280 | 02:56:38,280 | 謝謝 |
| 02:56:38,280 | 02:56:40,280 | 謝謝 |
| 02:56:40,280 | 02:56:42,280 | 謝謝 |
| 02:56:42,280 | 02:56:44,280 | 謝謝 |
| 02:56:44,280 | 02:56:46,280 | 謝謝 |
| 02:56:46,280 | 02:56:48,280 | 謝謝 |
| 02:56:48,280 | 02:56:50,280 | 謝謝 |
| 02:56:50,280 | 02:56:52,280 | 謝謝 |
| 02:56:52,280 | 02:56:54,280 | 謝謝 |
| 02:56:54,280 | 02:56:56,280 | 謝謝 |
| 02:56:56,280 | 02:56:58,280 | 謝謝 |
| 02:56:58,280 | 02:57:00,280 | 謝謝 |
| 02:57:00,280 | 02:57:02,280 | 謝謝 |
| 02:57:02,280 | 02:57:04,280 | 謝謝 |
| 02:57:04,280 | 02:57:06,280 | 謝謝 |
| 02:57:06,280 | 02:57:08,280 | 謝謝 |
| 02:57:08,280 | 02:57:10,280 | 謝謝 |
| 02:57:10,280 | 02:57:12,280 | 謝謝 |
| 02:57:12,280 | 02:57:14,280 | 謝謝 |
| 02:57:14,280 | 02:57:16,280 | 謝謝 |
| 02:57:16,280 | 02:57:18,280 | 謝謝 |
| 02:57:18,280 | 02:57:20,280 | 謝謝 |
| 02:57:20,280 | 02:57:22,280 | 謝謝 |
| 02:57:22,280 | 02:57:24,280 | 謝謝 |
| 02:57:24,280 | 02:57:26,280 | 謝謝 |
| 02:57:26,280 | 02:57:28,280 | 謝謝 |
| 02:57:28,280 | 02:57:30,280 | 謝謝 |
| 02:57:30,280 | 02:57:32,280 | 謝謝 |
| 02:57:32,280 | 02:57:34,280 | 謝謝 |
| 02:57:34,280 | 02:57:36,280 | 謝謝 |
| 02:57:36,280 | 02:57:38,280 | 謝謝 |
| 02:57:38,280 | 02:57:40,280 | 謝謝 |