{"id":152621,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/152621","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/069b0cf7e017bc30b7e1833fa7c8087fbe5ec193467b1025e01ba30ddb4afe0fcbc4003ec59502775ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"伍麗華Saidhai Tahovecahe","委員發言時間":"10:48:07 - 10:58:29","影片長度":"00:10:22","會議時間":"2024-05-16T09:00:00+08:00","會議名稱":"立法院第11屆第1會期財政委員會第12次全體委員會議（事由：審查行政院函請審議「海關進口稅則部分稅則修正草案」案。\n【5月15日及16日二天一次會】）","date":"2024-05-16","meet":{"tmpMeeting":null,"title":"第11屆第1會期財政委員會第12次全體委員會議","term":11,"type":"委員會","sessionPeriod":1,"sessionTimes":12,"committees":[20],"id":"委員會-11-1-20-12"},"duration":622,"end_time":"2024-05-16T10:58:29+08:00","start_time":"2024-05-16T10:48:07+08:00","features":["ai-transcript","gazette"],"type":"Clip","gazette":{"lineno":666,"blocks":[["伍麗華Saidhai Tahovecahe委員：（10時48分）謝謝主席，有請次長。"],["主席：有請阮次長。"],["阮次長清華：委員好。"],["伍麗華Saidhai Tahovecahe委員：次長好。有一個必須要公義轉型的問題，就是原保地貸款，我在財政委員會也關心很多次，我再重述一次，跟一般的土地相比，銀行作為擔保品的意願是高的，計價貸款方式是用市場鑑價。可是輪到原住民的保留地，因為它有受限，所以民營的銀行作為擔保品的意願不要說低，是被拒絕的，它的計算方式如果真的要做的話，也是採公告現值。所以我在3月4日有問過金管會，3月7日也問過財政部，甚至4月10日辦公室也邀請了相關機關，召開原保地鑑價機制及銀行放貸方案的研商會議。","我今天在這裡其實是要表達感謝，因為現在是5月中，但是我已經陸陸續續拿到各個相關部會的回應，像是金管會就回復已經發函督促銀行要落實公平對待的原則，落實普惠金融政策，並且也修正金融評鑑的規定，如果銀行願意承作原保地貸款會給予加分。再來，除了原民會要針對原保地的鑑價調查，內政部實價登錄如果能夠增加原保地的交易資訊，就可以提供給銀行作為估價的參考。另外，原民會和農業信保基金合作可以做原保地的信保，提高銀行的意願。財政部也有回函，特別提到如果原民會提出了原保地的政策貸款，公股行庫就會願意配合評估辦理，針對原保地的鑑價系統，財政部也已經發函給原民會建議和內政部協處，建構一個鑑價系統。請問，你們有開過這個會嗎？"],["阮次長清華：到目前還沒有，但是就行庫來講，當然很注重債權的擔保，我覺得剛才講的金管會那幾個意見都很好，我覺得很關鍵的一點就是最後一點，農保的機制一定要落實，那很重要，因為原保地最主要就是缺乏流動性。"],["伍麗華Saidhai Tahovecahe委員：信保的部分嗎？"],["阮次長清華：對，信保那部分如果可以介入的話，就會降低行庫的貸款風險，所以那部分很重要，現在就看農保那邊能不能配合。"],["伍麗華Saidhai Tahovecahe委員：鑑價系統也很重要。"],["阮次長清華：當然。"],["伍麗華Saidhai Tahovecahe委員：因為大家都在等這個鑑價系統出來，才有辦法開始進行貸款作業，所以這個部分你們有跟其他單位像原民會開過會嗎？"],["阮次長清華：我這邊還沒有。"],["伍麗華Saidhai Tahovecahe委員：我希望近期之內開個會，好不好？因為我們越開會，會讓事情的進度越快、越有可能實現，好不好？"],["阮次長清華：是，不管是我們主政，或者內政部主政，或者金管會主政，我們都願意來參與。"],["伍麗華Saidhai Tahovecahe委員：謝謝。剛才你有提到農業金庫信保的部分，其實它也有回函，它說請原民會在原民貸款計畫中訂定相關的規範，建議成立原住民信用保證機構，提高金融機構的承作意願，農業金庫也積極配合辦理原住民的貸款計畫，它們是願意來設單一窗口承作原保地的貸款業務。內政部其實也有回函，因為它們有一個不動產估價系統，它們有開始進行這個工作，原保地作為擔保品申貸和鑑價涉及到資金的用途、債權的確保，所以它說是財政部、金管會的權責，會依主管機關的規劃期程，協助估價師公會配合來研擬準則。所以我還是要再問一次次長，財政部的角色到底是什麼？是不是應該常常找它們來開會？"],["阮次長清華：跟委員報告，我覺得內政部還是很重要，因為實價的登錄其實是在內政部那邊。"],["伍麗華Saidhai Tahovecahe委員：上次內政部次長在質詢臺上說會積極配合辦理。"],["阮次長清華：對，我覺得內政部要先把系統建立起來。"],["伍麗華Saidhai Tahovecahe委員：但是它們總是希望要有人主導開會啊！"],["阮次長清華：我們跟相關機關來協調。"],["伍麗華Saidhai Tahovecahe委員：本席在這裡要求，財政部可不可以跟金管會找原民會、內政部、農業部，儘速建立原住民保留地貸款鑑價機制，這樣可以嗎？"],["阮次長清華：我們先來跟相關部會溝通。"],["伍麗華Saidhai Tahovecahe委員：最後一哩路了。"],["阮次長清華：因為重要的是解決問題。"],["伍麗華Saidhai Tahovecahe委員：分頭進行的工作我們都已經幫忙要求了，你現在就是把粽子拉起來，好不好？"],["阮次長清華：是，到底是不是我們來出面，這是需要考慮的，因為我們是……"],["伍麗華Saidhai Tahovecahe委員：我們有機會是不是來開個公聽會？"],["阮次長清華：例如原民會來主導，也是一個很好的方式。為什麼這樣說……"],["伍麗華Saidhai Tahovecahe委員：原民會都已經在笑了，不要一言蔽之也是原民會。"],["阮次長清華：我跟委員報告為什麼財政部出面不太好的原因，因為我們是公股行庫的股權管理機關。"],["伍麗華Saidhai Tahovecahe委員：我來開公聽會好了，好不好？"],["阮次長清華：等於會有選手兼裁判的問題。"],["伍麗華Saidhai Tahovecahe委員：好，了解，謝謝次長。另外，去年部長就任的時候表示財劃法修正已規劃五大原則，我在3月7日質詢財政部的時候很關心，因為這是很多人的陳情，直轄市的原民區對它們的財政劃分，合併又回到公法人之後，其實它們的財政劃分有點亂，這個部分需要導正。我很關心這個部分，所以想要了解財劃法院版法案什麼時候會提出來？"],["阮次長清華：我覺得財劃法要考慮的因素很多，第一個是中央的財源夠不夠。"],["伍麗華Saidhai Tahovecahe委員：什麼時候提？"],["阮次長清華：要看政策。第二個就是看地方的財源夠不夠。"],["伍麗華Saidhai Tahovecahe委員：我可能會連同剛才的部分，一起在公聽會討論，可以嗎？即便法案還沒提出來，但是我想知道你們對直轄市原民區的財務分配，我想知道你們有什麼規劃方向。"],["阮次長清華：我簡單說幾句話就好，目前直轄市改制之後，直轄市裡面原來的原民鄉鎮市已經改為區，其實區的人口、面積都已經在母法規範了，等於是它所有的東西都歸到直轄市，直轄市再跟原民區協商，基本上的作法是這樣。"],["伍麗華Saidhai Tahovecahe委員：你們就先規劃，我可能會開個公聽會。"],["阮次長清華：謝謝委員。"],["伍麗華Saidhai Tahovecahe委員：再一個小問題，大家最近都在吵青安貸，我想跟你確認一下，因為我要回復人家，我們看到購屋者的樣本數占比，你們有沒有去確認一下，這個是個人還是家庭的年收入？"],["阮次長清華：委員的意思是說要評估的時候……"],["伍麗華Saidhai Tahovecahe委員：不是，資料來源是聯徵中心，大家都在說這些100萬元以下的人占整體61.6%，他們說5年後、10年後這些人的房子就會被拍賣，因為付不起房貸啊！"],["阮次長清華：這個還要看個案的情況。"],["伍麗華Saidhai Tahovecahe委員：我有問聯徵中心，這是個人的收入，所以財政部是不是應該要澄清、說明？因為他去貸款的時候，你們一定有他整個家庭的收入資料，你們應該要就家庭收入跟房貸餘額做出交叉分析，可以嗎？不然聯徵中心出來這個東西，大家都預期5年後會出現拍賣的斷頭潮。"],["阮次長清華：是，這個我們來……"],["伍麗華Saidhai Tahovecahe委員：你們要因應，好不好？"],["阮次長清華：好，謝謝委員。"],["伍麗華Saidhai Tahovecahe委員：謝謝主席，謝謝次長。"],["主席：謝謝伍麗華委員的質詢。","接著請鍾佳濱委員，鍾佳濱委員，鍾佳濱委員不在。","接著請鄭天財委員，鄭天財委員，鄭天財委員不在。","現在休息10分鐘。","休息（10時58分）","繼續開會（11時9分）"],["主席：現在繼續開會。接著我們請李彥秀委員質詢。"]],"agenda":{"page_end":350,"meet_id":"委員會-11-1-20-12","speakers":["郭國文","林德福","顏寬恒","吳秉叡","賴惠員","王鴻薇","陳玉珍","黃珊珊","王世堅","李坤城","伍麗華Saidhai‧Tahovecahe","李彥秀","賴士葆","羅明才"],"page_start":1,"meetingDate":["2024-05-16"],"gazette_id":"1134602","agenda_lcidc_ids":["1134602_00002"],"meet_name":"立法院第11屆第1會期財政委員會第12次全體委員會議紀錄","content":"審查行政院函請審議「海關進口稅則部分稅則修正草案」案（後接第三冊）","agenda_id":"1134602_00001"}},"transcript":{"id":"152621","pyannote":{"name":"ronny","tool":"pyannote","data":{"url":"https://ivod.ly.gov.tw/Play/Clip/1M/152621","tool":"pyannote","id":"152621-pyannote"},"job_id":"uRBzJakEBdlIX2IZ","queued_at":"2024-05-30 22:12:49","status":"done","log":[{"time":"2024-05-30 22:14:26","msg":"downloading https://ivod.ly.gov.tw/Play/Clip/1M/152621"},{"time":"2024-05-30 22:14:27","msg":"downloading 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\"score\": 0.917}, {\"word\": \"好\", \"start\": 619.875, \"end\": 621.516, \"score\": 0.905}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"主\", \"start\": 621.516, \"end\": 621.716, \"score\": 0.901}, {\"word\": \"席\", \"start\": 621.716, \"end\": 622.277, \"score\": 0.96}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"次\", \"start\": 622.277, \"end\": 622.297, \"score\": 0.89}, {\"word\": \"長\"}], \"language\": \"zh\"}","srt":"1\n00:00:13,154 --> 00:00:16,537\n好謝謝主席有請次長有一個必須要公益轉型的問題就是元寶地貸款那我在財政委員會也關心很多次那我再重述一次跟一般的土地相比銀行的單保品作為單保品意願是高的\n\n2\n00:00:42,079 --> 00:00:58,158\n那他的計價貸款方式呢是用市場的建價可是呢輪到原住民的保留地呢因為他有受限所以呢民營的銀行他單保作為單保品的意願是不要說低啦是被拒絕的\n\n3\n00:00:59,079 --> 00:01:26,546\n那他的計算方式呢如果真的要做的話也是採公告限制所以我在3月4號有問過金管會3月7號呢也問過財政部甚至4月10號辦公室我也邀請了相關的機關來召開一個元寶地建價機制跟銀行放貸方案的研商會議那我今天在這裡其實是要表達感謝因為\n\n4\n00:01:27,786 --> 00:01:47,339\n現在是五月五月中但是我已經陸陸續續呢拿到了各個相關部會的一個回應像是金管會他就有回覆已經發函督促銀行要落實公平對待的原則落實普惠金融政策\n\n5\n00:01:48,520 --> 00:02:11,797\n並且呢也修正金融評鑑的規定如果銀行願意乘坐元寶地貸款會給予加分那再來呢就是除了原民會要針對元寶地的建價要來做調查那內政部呢實價登錄如果能夠增加元寶地的交易資訊就可以提供給銀行作為一個估價的參考\n\n6\n00:02:13,158 --> 00:02:29,755\n那另外原民會跟農業信保基金合作可以來做元寶地的信保提供銀行的一個意願那再來就是財政部也就是你們也有給我回函就是特別提到說如果原民會\n\n7\n00:02:30,596 --> 00:02:30,616\n欸這個嗯\n\n8\n00:02:58,730 --> 00:03:25,795\n這個到目前是還沒有啦齁還沒有但是我跟委員報告齁這個就航庫來講當然是很注重他的債權的擔保所以我覺得剛才講的那個金管婚的幾個意見都很好我覺得很關鍵的一點就是最後一點就是榮保的機制那一定要落實那很重要因為為什麼因為我們榮保我們這元寶地最主要就是他缺乏流動性\n\n9\n00:03:45,180 --> 00:03:57,065\n因為大家都在等這個建架系統出來才有辦法開始做一個貸款的作業。所以這個部分你們有去跟其他的像圓明會啊這些開過會嗎?這樣我這邊是還沒有啦。\n\n10\n00:04:04,188 --> 00:04:18,797\n那我希望近期之內來開一個會好不好因為我們越開會會讓事情的進度越快越有可能實現好不好所以不管是我們主政或者是內政部主政或者是經委主政我們都願意來參與啦好謝謝\n\n11\n00:04:21,058 --> 00:04:50,217\n那我們來看一下剛才你有提到就是農業金庫信保這個部分其實他也有回函他是說請原民會在原民貸款計畫中訂定相關的規範那建議成立原住民信用保證機構提高金融機構的承作意願農業金庫呢也積極配合辦理原住民的貸款計畫他們是願意來做一個設一個單一窗口來承作原保地的貸款業務\n\n12\n00:04:51,238 --> 00:05:15,344\n那再來我們看一下內政部其實也有回函啦因為他們有一個不動產估價的系統齁那他們有進行這個開始做這個工作那元寶地作為擔保品身帶跟建架那他涉及到資金的用途債權的確保所以呢他說是財政部金管會的全責會依主管機關的規劃期程協助\n\n13\n00:05:17,785 --> 00:05:28,545\n伍佳詩公會配合來研擬準則所以我還是要再問一次次長就是財政部的角色到底是什麼是不是應該常常的找他們來開會\n\n14\n00:05:31,024 --> 00:05:48,512\n這個跟委員報告,其實我覺得內政部還是很重要,因為實價的登錄其實是...上次內政部次長其實質詢台上他說會積極配合辦...我覺得內政部那個要先把那個系統先建立起來嘛但是他們總是希望要有人主導開會啊\n\n15\n00:05:49,793 --> 00:06:11,181\n除了開會的話就是看看我們來協調我們跟相關機關來協調那我是不是在這個地方我就做這樣的一個本席就做這樣一個要求就是財政部可不可以跟金管會然後找這些原民會內政部農委會農業部來競速建立原住民保留地貸款建價機制這樣可以嗎\n\n16\n00:06:11,621 --> 00:06:34,811\n我們來跟這個相關的部委先做一個溝通啦就最後一里路了啦因為目前重要就是要解決問題啦大概那個分頭進行的工作我們都已經有幫忙在要求了是是那你現在就是把粽子拉起來好不好是是我就覺得到底是不是我們來出面這個是又要考慮了那是不是有機會我們也來開個公聽會公聽會\n\n17\n00:06:37,412 --> 00:06:42,173\n我跟委員報告為什麼財政部出面不太好原因是什麼因為我們是供股行庫的股權管理局選手跟裁判會有這個問題啦\n\n18\n00:06:58,097 --> 00:07:11,767\n好了解了解好謝謝次長另外就是要請教一下因為去年我們的部長就任的時候他有表示才化法修正以規劃五大原則\n\n19\n00:07:13,168 --> 00:07:29,317\n那我現在就是要提的其實我在3月7號財政部質詢的時候我很關心因為這是很多人的陳情我們直轄市的這些原民區啊他們對他們的財政劃分就是合併\n\n20\n00:07:30,718 --> 00:07:45,225\n結果呢又回到公法人之後其實他們的財政劃分有點亂啊這個部分需要導正所以我就是很關心這個部分所以想要了解那麼財化法院版的法案何時會提出來\n\n21\n00:07:47,352 --> 00:08:08,993\n財務法這一部分我覺得當然要考慮到的因素很多啦就是第一個要考慮中央的財源夠不夠那什麼時候提就要看政策第二個就是看地方那這樣好不好我可能會連同剛才的那個部分我們就一起在公聽會的時候來討論可以嗎\n\n22\n00:08:11,495 --> 00:08:40,081\n因為我很想知道到底你們對即便法案還沒有提出來但是你們對直轄市原民區的財務分配我想知道你們有什麼樣的規劃方向我簡單的說幾句話就好了就是目前在直轄市改制之後我們直轄市裡面原來的鄉鎮市就原民區的鄉鎮市已經改為區嘛那區裡面它其實它的人口它的面積那個都已經在母法都已經做規範了\n\n23\n00:08:41,361 --> 00:09:03,636\n所以等於是說他所有的東西都已經歸到指甲室那指甲室以後再指甲室再跟這個原民區來做協商我想這個你們就先規劃我可能會開個公聽會好不好主席再一個最小的問題因為大家最近都在炒那個親安袋我想跟您確認一下因為我要回覆人家因為\n\n24\n00:09:06,079 --> 00:09:16,337\n這個我們看到的這個購屋者的樣本數戰術比有沒有去確認一下這個是個人還是家庭的年收入\n\n25\n00:09:18,710 --> 00:09:38,471\n委員的意思是說要評估的時候是不是這個是資料來源廉政中心嘛那大家都在說這些一百萬以下的人占整體61.6啊他們說五年後十年後這些人的房子就會被拍賣了啊因為付不起房貸啊\n\n26\n00:09:40,498 --> 00:10:08,428\n我想這個還要看個案的情況那我好啦我有去問廉政中心啦這是個人的收入啦對所以你們財政部是不是應該要去做一個澄清說明啊所以我也希望說你們是不是可以做一個連同保人因為他去貸款的時候你們一定有他們的整個家庭的收入的資料嘛對對對所以你們應該要就這個家庭收入跟房貸餘額去做出一個交叉分析可以嗎\n\n27\n00:10:09,488 --> 00:10:22,297\n要不然廉政中心出來這個東西大家都預期五年後會出現一個拍賣的斷頭潮你們要因應好不好謝謝主席謝謝次長\n\n","tsv":"start\tend\ttext\n13154\t16537\t好謝謝主席有請次長有一個必須要公益轉型的問題就是元寶地貸款那我在財政委員會也關心很多次那我再重述一次跟一般的土地相比銀行的單保品作為單保品意願是高的\n42079\t58158\t那他的計價貸款方式呢是用市場的建價可是呢輪到原住民的保留地呢因為他有受限所以呢民營的銀行他單保作為單保品的意願是不要說低啦是被拒絕的\n59079\t86546\t那他的計算方式呢如果真的要做的話也是採公告限制所以我在3月4號有問過金管會3月7號呢也問過財政部甚至4月10號辦公室我也邀請了相關的機關來召開一個元寶地建價機制跟銀行放貸方案的研商會議那我今天在這裡其實是要表達感謝因為\n87786\t107339\t現在是五月五月中但是我已經陸陸續續呢拿到了各個相關部會的一個回應像是金管會他就有回覆已經發函督促銀行要落實公平對待的原則落實普惠金融政策\n108520\t131797\t並且呢也修正金融評鑑的規定如果銀行願意乘坐元寶地貸款會給予加分那再來呢就是除了原民會要針對元寶地的建價要來做調查那內政部呢實價登錄如果能夠增加元寶地的交易資訊就可以提供給銀行作為一個估價的參考\n133158\t149755\t那另外原民會跟農業信保基金合作可以來做元寶地的信保提供銀行的一個意願那再來就是財政部也就是你們也有給我回函就是特別提到說如果原民會\n150596\t150616\t欸 這個 嗯\n178730\t205795\t這個到目前是還沒有啦齁還沒有但是我跟委員報告齁這個就航庫來講當然是很注重他的債權的擔保所以我覺得剛才講的那個金管婚的幾個意見都很好我覺得很關鍵的一點就是最後一點就是榮保的機制那一定要落實那很重要因為為什麼因為我們榮保我們這元寶地最主要就是他缺乏流動性\n206135\t225060\t﹏﹏﹏\n225180\t237065\t因為大家都在等這個建架系統出來才有辦法開始做一個貸款的作業。所以這個部分你們有去跟其他的像圓明會啊這些開過會嗎?這樣我這邊是還沒有啦。\n244188\t258797\t那我希望近期之內來開一個會好不好因為我們越開會會讓事情的進度越快越有可能實現好不好所以不管是我們主政或者是內政部主政或者是經委主政我們都願意來參與啦好謝謝\n261058\t290217\t那我們來看一下剛才你有提到就是農業金庫信保這個部分其實他也有回函他是說請原民會在原民貸款計畫中訂定相關的規範那建議成立原住民信用保證機構提高金融機構的承作意願農業金庫呢也積極配合辦理原住民的貸款計畫他們是願意來做一個設一個單一窗口來承作原保地的貸款業務\n291238\t315344\t那再來我們看一下內政部其實也有回函啦因為他們有一個不動產估價的系統齁那他們有進行這個開始做這個工作那元寶地作為擔保品身帶跟建架那他涉及到資金的用途債權的確保所以呢他說是財政部金管會的全責會依主管機關的規劃期程協助\n317785\t328545\t伍佳詩公會配合來研擬準則所以我還是要再問一次次長就是財政部的角色到底是什麼是不是應該常常的找他們來開會\n331024\t348512\t這個跟委員報告,其實我覺得內政部還是很重要,因為實價的登錄其實是...上次內政部次長其實質詢台上他說會積極配合辦...我覺得內政部那個要先把那個系統先建立起來嘛但是他們總是希望要有人主導開會啊\n349793\t371181\t除了開會的話就是看看我們來協調我們跟相關機關來協調那我是不是在這個地方我就做這樣的一個本席就做這樣一個要求就是財政部可不可以跟金管會然後找這些原民會內政部農委會農業部來競速建立原住民保留地貸款建價機制這樣可以嗎\n371621\t394811\t我們來跟這個相關的部委先做一個溝通啦就最後一里路了啦因為目前重要就是要解決問題啦大概那個分頭進行的工作我們都已經有幫忙在要求了是是那你現在就是把粽子拉起來好不好是是我就覺得到底是不是我們來出面這個是又要考慮了那是不是有機會我們也來開個公聽會公聽會\n397412\t402173\t我跟委員報告為什麼財政部出面不太好原因是什麼因為我們是供股行庫的股權管理局選手跟裁判會有這個問題啦\n418097\t431767\t好了解了解好謝謝次長另外就是要請教一下因為去年我們的部長就任的時候他有表示才化法修正以規劃五大原則\n433168\t449317\t那我現在就是要提的其實我在3月7號財政部質詢的時候我很關心因為這是很多人的陳情我們直轄市的這些原民區啊他們對他們的財政劃分就是合併\n450718\t465225\t結果呢又回到公法人之後其實他們的財政劃分有點亂啊這個部分需要導正所以我就是很關心這個部分所以想要了解那麼財化法院版的法案何時會提出來\n467352\t488993\t財務法這一部分我覺得當然要考慮到的因素很多啦就是第一個要考慮中央的財源夠不夠那什麼時候提就要看政策第二個就是看地方那這樣好不好我可能會連同剛才的那個部分我們就一起在公聽會的時候來討論可以嗎\n491495\t520081\t因為我很想知道到底你們對即便法案還沒有提出來但是你們對直轄市原民區的財務分配我想知道你們有什麼樣的規劃方向我簡單的說幾句話就好了就是目前在直轄市改制之後我們直轄市裡面原來的鄉鎮市就原民區的鄉鎮市已經改為區嘛那區裡面它其實它的人口它的面積那個都已經在母法都已經做規範了\n521361\t543636\t所以等於是說他所有的東西都已經歸到指甲室那指甲室以後再指甲室再跟這個原民區來做協商我想這個你們就先規劃我可能會開個公聽會好不好主席再一個最小的問題因為大家最近都在炒那個親安袋我想跟您確認一下因為我要回覆人家因為\n546079\t556337\t這個我們看到的這個購屋者的樣本數戰術比有沒有去確認一下這個是個人還是家庭的年收入\n558710\t578471\t委員的意思是說要評估的時候是不是這個是資料來源廉政中心嘛那大家都在說這些一百萬以下的人占整體61.6啊他們說五年後十年後這些人的房子就會被拍賣了啊因為付不起房貸啊\n580498\t608428\t我想這個還要看個案的情況那我好啦我有去問廉政中心啦這是個人的收入啦對所以你們財政部是不是應該要去做一個澄清說明啊所以我也希望說你們是不是可以做一個連同保人因為他去貸款的時候你們一定有他們的整個家庭的收入的資料嘛對對對所以你們應該要就這個家庭收入跟房貸餘額去做出一個交叉分析可以嗎\n609488\t622297\t要不然廉政中心出來這個東西大家都預期五年後會出現一個拍賣的斷頭潮你們要因應好不好謝謝主席 謝謝次長\n","txt":"好謝謝主席有請次長有一個必須要公益轉型的問題就是元寶地貸款那我在財政委員會也關心很多次那我再重述一次跟一般的土地相比銀行的單保品作為單保品意願是高的\n那他的計價貸款方式呢是用市場的建價可是呢輪到原住民的保留地呢因為他有受限所以呢民營的銀行他單保作為單保品的意願是不要說低啦是被拒絕的\n那他的計算方式呢如果真的要做的話也是採公告限制所以我在3月4號有問過金管會3月7號呢也問過財政部甚至4月10號辦公室我也邀請了相關的機關來召開一個元寶地建價機制跟銀行放貸方案的研商會議那我今天在這裡其實是要表達感謝因為\n現在是五月五月中但是我已經陸陸續續呢拿到了各個相關部會的一個回應像是金管會他就有回覆已經發函督促銀行要落實公平對待的原則落實普惠金融政策\n並且呢也修正金融評鑑的規定如果銀行願意乘坐元寶地貸款會給予加分那再來呢就是除了原民會要針對元寶地的建價要來做調查那內政部呢實價登錄如果能夠增加元寶地的交易資訊就可以提供給銀行作為一個估價的參考\n那另外原民會跟農業信保基金合作可以來做元寶地的信保提供銀行的一個意願那再來就是財政部也就是你們也有給我回函就是特別提到說如果原民會\n欸 這個 嗯\n這個到目前是還沒有啦齁還沒有但是我跟委員報告齁這個就航庫來講當然是很注重他的債權的擔保所以我覺得剛才講的那個金管婚的幾個意見都很好我覺得很關鍵的一點就是最後一點就是榮保的機制那一定要落實那很重要因為為什麼因為我們榮保我們這元寶地最主要就是他缺乏流動性\n﹏﹏﹏\n因為大家都在等這個建架系統出來才有辦法開始做一個貸款的作業。所以這個部分你們有去跟其他的像圓明會啊這些開過會嗎?這樣我這邊是還沒有啦。\n那我希望近期之內來開一個會好不好因為我們越開會會讓事情的進度越快越有可能實現好不好所以不管是我們主政或者是內政部主政或者是經委主政我們都願意來參與啦好謝謝\n那我們來看一下剛才你有提到就是農業金庫信保這個部分其實他也有回函他是說請原民會在原民貸款計畫中訂定相關的規範那建議成立原住民信用保證機構提高金融機構的承作意願農業金庫呢也積極配合辦理原住民的貸款計畫他們是願意來做一個設一個單一窗口來承作原保地的貸款業務\n那再來我們看一下內政部其實也有回函啦因為他們有一個不動產估價的系統齁那他們有進行這個開始做這個工作那元寶地作為擔保品身帶跟建架那他涉及到資金的用途債權的確保所以呢他說是財政部金管會的全責會依主管機關的規劃期程協助\n伍佳詩公會配合來研擬準則所以我還是要再問一次次長就是財政部的角色到底是什麼是不是應該常常的找他們來開會\n這個跟委員報告,其實我覺得內政部還是很重要,因為實價的登錄其實是...上次內政部次長其實質詢台上他說會積極配合辦...我覺得內政部那個要先把那個系統先建立起來嘛但是他們總是希望要有人主導開會啊\n除了開會的話就是看看我們來協調我們跟相關機關來協調那我是不是在這個地方我就做這樣的一個本席就做這樣一個要求就是財政部可不可以跟金管會然後找這些原民會內政部農委會農業部來競速建立原住民保留地貸款建價機制這樣可以嗎\n我們來跟這個相關的部委先做一個溝通啦就最後一里路了啦因為目前重要就是要解決問題啦大概那個分頭進行的工作我們都已經有幫忙在要求了是是那你現在就是把粽子拉起來好不好是是我就覺得到底是不是我們來出面這個是又要考慮了那是不是有機會我們也來開個公聽會公聽會\n我跟委員報告為什麼財政部出面不太好原因是什麼因為我們是供股行庫的股權管理局選手跟裁判會有這個問題啦\n好了解了解好謝謝次長另外就是要請教一下因為去年我們的部長就任的時候他有表示才化法修正以規劃五大原則\n那我現在就是要提的其實我在3月7號財政部質詢的時候我很關心因為這是很多人的陳情我們直轄市的這些原民區啊他們對他們的財政劃分就是合併\n結果呢又回到公法人之後其實他們的財政劃分有點亂啊這個部分需要導正所以我就是很關心這個部分所以想要了解那麼財化法院版的法案何時會提出來\n財務法這一部分我覺得當然要考慮到的因素很多啦就是第一個要考慮中央的財源夠不夠那什麼時候提就要看政策第二個就是看地方那這樣好不好我可能會連同剛才的那個部分我們就一起在公聽會的時候來討論可以嗎\n因為我很想知道到底你們對即便法案還沒有提出來但是你們對直轄市原民區的財務分配我想知道你們有什麼樣的規劃方向我簡單的說幾句話就好了就是目前在直轄市改制之後我們直轄市裡面原來的鄉鎮市就原民區的鄉鎮市已經改為區嘛那區裡面它其實它的人口它的面積那個都已經在母法都已經做規範了\n所以等於是說他所有的東西都已經歸到指甲室那指甲室以後再指甲室再跟這個原民區來做協商我想這個你們就先規劃我可能會開個公聽會好不好主席再一個最小的問題因為大家最近都在炒那個親安袋我想跟您確認一下因為我要回覆人家因為\n這個我們看到的這個購屋者的樣本數戰術比有沒有去確認一下這個是個人還是家庭的年收入\n委員的意思是說要評估的時候是不是這個是資料來源廉政中心嘛那大家都在說這些一百萬以下的人占整體61.6啊他們說五年後十年後這些人的房子就會被拍賣了啊因為付不起房貸啊\n我想這個還要看個案的情況那我好啦我有去問廉政中心啦這是個人的收入啦對所以你們財政部是不是應該要去做一個澄清說明啊所以我也希望說你們是不是可以做一個連同保人因為他去貸款的時候你們一定有他們的整個家庭的收入的資料嘛對對對所以你們應該要就這個家庭收入跟房貸餘額去做出一個交叉分析可以嗎\n要不然廉政中心出來這個東西大家都預期五年後會出現一個拍賣的斷頭潮你們要因應好不好謝謝主席 謝謝次長\n","vtt":"WEBVTT\n\n00:13.154 --> 00:16.537\n好謝謝主席有請次長有一個必須要公益轉型的問題就是元寶地貸款那我在財政委員會也關心很多次那我再重述一次跟一般的土地相比銀行的單保品作為單保品意願是高的\n\n00:42.079 --> 00:58.158\n那他的計價貸款方式呢是用市場的建價可是呢輪到原住民的保留地呢因為他有受限所以呢民營的銀行他單保作為單保品的意願是不要說低啦是被拒絕的\n\n00:59.079 --> 01:26.546\n那他的計算方式呢如果真的要做的話也是採公告限制所以我在3月4號有問過金管會3月7號呢也問過財政部甚至4月10號辦公室我也邀請了相關的機關來召開一個元寶地建價機制跟銀行放貸方案的研商會議那我今天在這裡其實是要表達感謝因為\n\n01:27.786 --> 01:47.339\n現在是五月五月中但是我已經陸陸續續呢拿到了各個相關部會的一個回應像是金管會他就有回覆已經發函督促銀行要落實公平對待的原則落實普惠金融政策\n\n01:48.520 --> 02:11.797\n並且呢也修正金融評鑑的規定如果銀行願意乘坐元寶地貸款會給予加分那再來呢就是除了原民會要針對元寶地的建價要來做調查那內政部呢實價登錄如果能夠增加元寶地的交易資訊就可以提供給銀行作為一個估價的參考\n\n02:13.158 --> 02:29.755\n那另外原民會跟農業信保基金合作可以來做元寶地的信保提供銀行的一個意願那再來就是財政部也就是你們也有給我回函就是特別提到說如果原民會\n\n02:30.596 --> 02:30.616\n欸這個嗯\n\n02:58.730 --> 03:25.795\n這個到目前是還沒有啦齁還沒有但是我跟委員報告齁這個就航庫來講當然是很注重他的債權的擔保所以我覺得剛才講的那個金管婚的幾個意見都很好我覺得很關鍵的一點就是最後一點就是榮保的機制那一定要落實那很重要因為為什麼因為我們榮保我們這元寶地最主要就是他缺乏流動性\n\n03:45.180 --> 03:57.065\n因為大家都在等這個建架系統出來才有辦法開始做一個貸款的作業。所以這個部分你們有去跟其他的像圓明會啊這些開過會嗎?這樣我這邊是還沒有啦。\n\n04:04.188 --> 04:18.797\n那我希望近期之內來開一個會好不好因為我們越開會會讓事情的進度越快越有可能實現好不好所以不管是我們主政或者是內政部主政或者是經委主政我們都願意來參與啦好謝謝\n\n04:21.058 --> 04:50.217\n那我們來看一下剛才你有提到就是農業金庫信保這個部分其實他也有回函他是說請原民會在原民貸款計畫中訂定相關的規範那建議成立原住民信用保證機構提高金融機構的承作意願農業金庫呢也積極配合辦理原住民的貸款計畫他們是願意來做一個設一個單一窗口來承作原保地的貸款業務\n\n04:51.238 --> 05:15.344\n那再來我們看一下內政部其實也有回函啦因為他們有一個不動產估價的系統齁那他們有進行這個開始做這個工作那元寶地作為擔保品身帶跟建架那他涉及到資金的用途債權的確保所以呢他說是財政部金管會的全責會依主管機關的規劃期程協助\n\n05:17.785 --> 05:28.545\n伍佳詩公會配合來研擬準則所以我還是要再問一次次長就是財政部的角色到底是什麼是不是應該常常的找他們來開會\n\n05:31.024 --> 05:48.512\n這個跟委員報告,其實我覺得內政部還是很重要,因為實價的登錄其實是...上次內政部次長其實質詢台上他說會積極配合辦...我覺得內政部那個要先把那個系統先建立起來嘛但是他們總是希望要有人主導開會啊\n\n05:49.793 --> 06:11.181\n除了開會的話就是看看我們來協調我們跟相關機關來協調那我是不是在這個地方我就做這樣的一個本席就做這樣一個要求就是財政部可不可以跟金管會然後找這些原民會內政部農委會農業部來競速建立原住民保留地貸款建價機制這樣可以嗎\n\n06:11.621 --> 06:34.811\n我們來跟這個相關的部委先做一個溝通啦就最後一里路了啦因為目前重要就是要解決問題啦大概那個分頭進行的工作我們都已經有幫忙在要求了是是那你現在就是把粽子拉起來好不好是是我就覺得到底是不是我們來出面這個是又要考慮了那是不是有機會我們也來開個公聽會公聽會\n\n06:37.412 --> 06:42.173\n我跟委員報告為什麼財政部出面不太好原因是什麼因為我們是供股行庫的股權管理局選手跟裁判會有這個問題啦\n\n06:58.097 --> 07:11.767\n好了解了解好謝謝次長另外就是要請教一下因為去年我們的部長就任的時候他有表示才化法修正以規劃五大原則\n\n07:13.168 --> 07:29.317\n那我現在就是要提的其實我在3月7號財政部質詢的時候我很關心因為這是很多人的陳情我們直轄市的這些原民區啊他們對他們的財政劃分就是合併\n\n07:30.718 --> 07:45.225\n結果呢又回到公法人之後其實他們的財政劃分有點亂啊這個部分需要導正所以我就是很關心這個部分所以想要了解那麼財化法院版的法案何時會提出來\n\n07:47.352 --> 08:08.993\n財務法這一部分我覺得當然要考慮到的因素很多啦就是第一個要考慮中央的財源夠不夠那什麼時候提就要看政策第二個就是看地方那這樣好不好我可能會連同剛才的那個部分我們就一起在公聽會的時候來討論可以嗎\n\n08:11.495 --> 08:40.081\n因為我很想知道到底你們對即便法案還沒有提出來但是你們對直轄市原民區的財務分配我想知道你們有什麼樣的規劃方向我簡單的說幾句話就好了就是目前在直轄市改制之後我們直轄市裡面原來的鄉鎮市就原民區的鄉鎮市已經改為區嘛那區裡面它其實它的人口它的面積那個都已經在母法都已經做規範了\n\n08:41.361 --> 09:03.636\n所以等於是說他所有的東西都已經歸到指甲室那指甲室以後再指甲室再跟這個原民區來做協商我想這個你們就先規劃我可能會開個公聽會好不好主席再一個最小的問題因為大家最近都在炒那個親安袋我想跟您確認一下因為我要回覆人家因為\n\n09:06.079 --> 09:16.337\n這個我們看到的這個購屋者的樣本數戰術比有沒有去確認一下這個是個人還是家庭的年收入\n\n09:18.710 --> 09:38.471\n委員的意思是說要評估的時候是不是這個是資料來源廉政中心嘛那大家都在說這些一百萬以下的人占整體61.6啊他們說五年後十年後這些人的房子就會被拍賣了啊因為付不起房貸啊\n\n09:40.498 --> 10:08.428\n我想這個還要看個案的情況那我好啦我有去問廉政中心啦這是個人的收入啦對所以你們財政部是不是應該要去做一個澄清說明啊所以我也希望說你們是不是可以做一個連同保人因為他去貸款的時候你們一定有他們的整個家庭的收入的資料嘛對對對所以你們應該要就這個家庭收入跟房貸餘額去做出一個交叉分析可以嗎\n\n10:09.488 --> 10:22.297\n要不然廉政中心出來這個東西大家都預期五年後會出現一個拍賣的斷頭潮你們要因應好不好謝謝主席謝謝次長\n\n","segments":[{"start":13.154,"end":16.537,"text":"好謝謝主席有請次長有一個必須要公益轉型的問題就是元寶地貸款那我在財政委員會也關心很多次那我再重述一次跟一般的土地相比銀行的單保品作為單保品意願是高的"},{"start":42.079,"end":58.158,"text":"那他的計價貸款方式呢是用市場的建價可是呢輪到原住民的保留地呢因為他有受限所以呢民營的銀行他單保作為單保品的意願是不要說低啦是被拒絕的"},{"start":59.079,"end":86.546,"text":"那他的計算方式呢如果真的要做的話也是採公告限制所以我在3月4號有問過金管會3月7號呢也問過財政部甚至4月10號辦公室我也邀請了相關的機關來召開一個元寶地建價機制跟銀行放貸方案的研商會議那我今天在這裡其實是要表達感謝因為"},{"start":87.786,"end":107.339,"text":"現在是五月五月中但是我已經陸陸續續呢拿到了各個相關部會的一個回應像是金管會他就有回覆已經發函督促銀行要落實公平對待的原則落實普惠金融政策"},{"start":108.52,"end":131.797,"text":"並且呢也修正金融評鑑的規定如果銀行願意乘坐元寶地貸款會給予加分那再來呢就是除了原民會要針對元寶地的建價要來做調查那內政部呢實價登錄如果能夠增加元寶地的交易資訊就可以提供給銀行作為一個估價的參考"},{"start":133.158,"end":149.755,"text":"那另外原民會跟農業信保基金合作可以來做元寶地的信保提供銀行的一個意願那再來就是財政部也就是你們也有給我回函就是特別提到說如果原民會"},{"start":150.596,"end":150.616,"text":"欸 這個 嗯"},{"start":178.73,"end":205.795,"text":"這個到目前是還沒有啦齁還沒有但是我跟委員報告齁這個就航庫來講當然是很注重他的債權的擔保所以我覺得剛才講的那個金管婚的幾個意見都很好我覺得很關鍵的一點就是最後一點就是榮保的機制那一定要落實那很重要因為為什麼因為我們榮保我們這元寶地最主要就是他缺乏流動性"},{"start":206.135,"end":225.06,"text":" ﹏﹏﹏"},{"start":225.18,"end":237.065,"text":"因為大家都在等這個建架系統出來才有辦法開始做一個貸款的作業。所以這個部分你們有去跟其他的像圓明會啊這些開過會嗎?這樣我這邊是還沒有啦。"},{"start":244.188,"end":258.797,"text":"那我希望近期之內來開一個會好不好因為我們越開會會讓事情的進度越快越有可能實現好不好所以不管是我們主政或者是內政部主政或者是經委主政我們都願意來參與啦好謝謝"},{"start":261.058,"end":290.217,"text":"那我們來看一下剛才你有提到就是農業金庫信保這個部分其實他也有回函他是說請原民會在原民貸款計畫中訂定相關的規範那建議成立原住民信用保證機構提高金融機構的承作意願農業金庫呢也積極配合辦理原住民的貸款計畫他們是願意來做一個設一個單一窗口來承作原保地的貸款業務"},{"start":291.238,"end":315.344,"text":"那再來我們看一下內政部其實也有回函啦因為他們有一個不動產估價的系統齁那他們有進行這個開始做這個工作那元寶地作為擔保品身帶跟建架那他涉及到資金的用途債權的確保所以呢他說是財政部金管會的全責會依主管機關的規劃期程協助"},{"start":317.785,"end":328.545,"text":"伍佳詩公會配合來研擬準則所以我還是要再問一次次長就是財政部的角色到底是什麼是不是應該常常的找他們來開會"},{"start":331.024,"end":348.512,"text":"這個跟委員報告,其實我覺得內政部還是很重要,因為實價的登錄其實是...上次內政部次長其實質詢台上他說會積極配合辦...我覺得內政部那個要先把那個系統先建立起來嘛但是他們總是希望要有人主導開會啊"},{"start":349.793,"end":371.181,"text":"除了開會的話就是看看我們來協調我們跟相關機關來協調那我是不是在這個地方我就做這樣的一個本席就做這樣一個要求就是財政部可不可以跟金管會然後找這些原民會內政部農委會農業部來競速建立原住民保留地貸款建價機制這樣可以嗎"},{"start":371.621,"end":394.811,"text":"我們來跟這個相關的部委先做一個溝通啦就最後一里路了啦因為目前重要就是要解決問題啦大概那個分頭進行的工作我們都已經有幫忙在要求了是是那你現在就是把粽子拉起來好不好是是我就覺得到底是不是我們來出面這個是又要考慮了那是不是有機會我們也來開個公聽會公聽會"},{"start":397.412,"end":402.173,"text":"我跟委員報告為什麼財政部出面不太好原因是什麼因為我們是供股行庫的股權管理局選手跟裁判會有這個問題啦"},{"start":418.097,"end":431.767,"text":"好了解了解好謝謝次長另外就是要請教一下因為去年我們的部長就任的時候他有表示才化法修正以規劃五大原則"},{"start":433.168,"end":449.317,"text":"那我現在就是要提的其實我在3月7號財政部質詢的時候我很關心因為這是很多人的陳情我們直轄市的這些原民區啊他們對他們的財政劃分就是合併"},{"start":450.718,"end":465.225,"text":"結果呢又回到公法人之後其實他們的財政劃分有點亂啊這個部分需要導正所以我就是很關心這個部分所以想要了解那麼財化法院版的法案何時會提出來"},{"start":467.352,"end":488.993,"text":"財務法這一部分我覺得當然要考慮到的因素很多啦就是第一個要考慮中央的財源夠不夠那什麼時候提就要看政策第二個就是看地方那這樣好不好我可能會連同剛才的那個部分我們就一起在公聽會的時候來討論可以嗎"},{"start":491.495,"end":520.081,"text":"因為我很想知道到底你們對即便法案還沒有提出來但是你們對直轄市原民區的財務分配我想知道你們有什麼樣的規劃方向我簡單的說幾句話就好了就是目前在直轄市改制之後我們直轄市裡面原來的鄉鎮市就原民區的鄉鎮市已經改為區嘛那區裡面它其實它的人口它的面積那個都已經在母法都已經做規範了"},{"start":521.361,"end":543.636,"text":"所以等於是說他所有的東西都已經歸到指甲室那指甲室以後再指甲室再跟這個原民區來做協商我想這個你們就先規劃我可能會開個公聽會好不好主席再一個最小的問題因為大家最近都在炒那個親安袋我想跟您確認一下因為我要回覆人家因為"},{"start":546.079,"end":556.337,"text":"這個我們看到的這個購屋者的樣本數戰術比有沒有去確認一下這個是個人還是家庭的年收入"},{"start":558.71,"end":578.471,"text":"委員的意思是說要評估的時候是不是這個是資料來源廉政中心嘛那大家都在說這些一百萬以下的人占整體61.6啊他們說五年後十年後這些人的房子就會被拍賣了啊因為付不起房貸啊"},{"start":580.498,"end":608.428,"text":"我想這個還要看個案的情況那我好啦我有去問廉政中心啦這是個人的收入啦對所以你們財政部是不是應該要去做一個澄清說明啊所以我也希望說你們是不是可以做一個連同保人因為他去貸款的時候你們一定有他們的整個家庭的收入的資料嘛對對對所以你們應該要就這個家庭收入跟房貸餘額去做出一個交叉分析可以嗎"},{"start":609.488,"end":622.297,"text":"要不然廉政中心出來這個東西大家都預期五年後會出現一個拍賣的斷頭潮你們要因應好不好謝謝主席 謝謝次長"}]}}}}