{"billNo":"1021219070201700","提案單位/提案委員":"本院委員盧秀燕等26人","議案名稱":"「郵政儲金匯兌法刪除第十七條條文草案」，請審議案。","相關附件":[{"網址":"/ppg/bills/latest-pass-third-readings/1030700751/process","名稱":"咨請公布"},{"網址":"https://ppg.ly.gov.tw/ppg/download/agenda1/02/pdf/08/04/18/LCEWA01_080418_00315.pdf","名稱":"關係文書PDF"},{"網址":"https://ppg.ly.gov.tw/ppg/download/agenda1/02/word/08/04/18/LCEWA01_080418_00315.doc","名稱":"關係文書DOC"}],"關連議案":[],"提案人":["盧秀燕","蔣乃辛","江惠貞","李貴敏","林德福","劉建國"],"連署人":["羅明才","呂學樟","陳雪生","陳鎮湘","曾巨威","黃文玲","楊玉欣","詹凱臣","蔡正元","鄭天財 Sra Kacaw","簡東明","蘇清泉","王育敏","林鴻池","邱文彥","孫大千","徐少萍","張嘉郡","陳根德","陳碧涵"],"議案狀態":"三讀","議案流程":[{"會期":"08-04-16","院會/委員會":"院會","狀態":"排入院會","日期":["2013-12-27","2013-12-31"],"會議代碼":"院會-8-4-16"},{"會期":"08-04-16","院會/委員會":"院會","狀態":"逕付二讀","日期":["2013-12-27","2013-12-31"],"會議代碼":"院會-8-4-16"},{"會期":"08-04-18","院會/委員會":"院會","狀態":"排入院會","日期":["2014-01-09","2014-01-10","2014-01-14"],"會議代碼":"院會-8-4-18"},{"會期":"08-04-18","院會/委員會":"院會","狀態":"三讀","日期":["2014-01-09","2014-01-10","2014-01-14"],"會議代碼":"院會-8-4-18"}],"mtime":"2024-01-19T02:00:08+08:00","屆期":8,"first_time":"2013-12-27","last_time":"2014-01-14","議案類別":"法律案","提案來源":"委員提案","meet_id":"院會-8-4-16","會期":4,"字號":"院總第52號委員提案第15964號","laws":["02077"],"提案編號":"52委15964","案由":"本院委員盧秀燕、蔣乃辛、江惠貞、李貴敏、林德福、劉建國等26人，依據監察院統計，截至民國102年6月底我國靜止戶數達4,980萬戶，金額達613億逾元，平均帳戶餘額約1,226元。有鑒於這613億元都是存戶的血汗錢，金融機構以打入靜止戶方式將民眾存款利息全部吃光，並非公允。尤其郵局靜止戶戶數高達624萬戶，占國人存款大宗，卻因現行法令規範而未能將這些靜止戶解凍並恢復計息，侵害存款人權益甚鉅。爰此，本席特提案刪除「郵政儲金匯兌法第十七條條文」，以保障存款戶之既有權益。是否有當，敬請公決。","說明":"一、所謂靜止戶，係指存款人於金融機構帳戶中之存款餘額未達該金融機構所指定之最低起息標準，該金融機構因而不發給存款利息，使帳戶形同靜止。以國內各銀行為例，渠等計息門檻多為存戶存款達5,000元或1萬元不等，若低於該門檻，則不再發息。依據監察院統計，截至民國102年6月底，我國靜止戶數達4,980萬戶，金額達613億逾元，平均帳戶餘額約1,226元。\n二、613億元都是存戶的血汗錢，金融機構以打入靜止戶方式將民眾存款利息全部吃光，並非公允。若依監察院資料，則台灣平均一人有兩個靜止戶，裡頭有1,226元，一年利息相當於可買兩個茶葉蛋，金融機構以靜止戶名義停止發息等於是將茶葉蛋的利息錢全部吞了。尤其是解凍還得親赴該金融機構辦理手續，等於變相設限，以課予更多不便的策略使民眾解凍意願降低，從而省下金融機構之利息成本。\n三、本席認為，這種偷吃步作法必須糾正，存款戶權益應不分金額大小予以保障。目前在本席要求下，除3家外銀外，其他銀行都同意全面廢除靜止戶。然而，郵局的靜止戶戶數高達624萬戶，占國人存款大宗，卻因現行法令規範而未能解凍並恢復計息。爰此，本席特提案刪除「郵政儲金匯兌法第十七條」，以保障存款戶之既有權益。","對照表":[{"law_id":"02077","law_name":"郵政儲金匯兌法","立法種類":"修正條文","title":"郵政儲金匯兌法刪除第十七條條文草案對照表","rows":[{"現行":"第十七條　儲戶逾五年無交易活動或未為其他申請，中華郵政公司自最後往來滿五年之日起，停止給息，並應通知該儲戶。","law_content_id":"02077:02077:2002-06-11-制定:19","說明":"依據監察院統計，截至民國102年6月底，我國靜止戶數達4,980萬戶，金額達613億逾元，平均帳戶餘額約1,226元。有鑑於這613億元都是存戶的血汗錢，金融機構以打入靜止戶方式將民眾存款利息全部吃光，並非公允。尤其郵局靜止戶戶數高達624萬戶，占國人存款大宗，卻因現行法令規範而未能將這些靜止戶解凍並恢復計息，侵害存款人權益甚鉅。為保障存款戶之權益，本席特提案刪除「郵政儲金匯兌法第十七條」，取消郵局存款起息門檻。","修正":"第十七條　（刪除）"}]}],"ppg_url":"https://ppg.ly.gov.tw/ppg/bills/1021219070201700/details"}