{"id":154494,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/154494","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/5ad2054f9b7cf4bd8dbf83f9878c206ecb3f5941fe168625e8e3eb0bf88d021c0ed51fbfb97caa545ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"黃珊珊","委員發言時間":"11:13:16 - 11:25:22","影片長度":"00:12:06","會議時間":"2024-07-03T09:00:00+08:00","會議名稱":"立法院第11屆第1會期財政委員會第20次全體委員會議（事由：一、邀請金融監督管理委員會彭主任委員金隆、財政部莊部長翠雲就「如何促進保險業資金擴大參與公共建設，加速建設之推動。」進行專題報告，並備質詢；另邀請中央銀行、國家發展委員會、經濟部、交通部列席備詢。\n二、繼續審查本院委員羅明才等17人擬具「保險法第一百四十六條之四條文修正草案」案。\n【7月3日及4日二天一次會】）","type":"Clip","date":"2024-07-03","start_time":"2024-07-03T11:13:16+08:00","end_time":"2024-07-03T11:25:22+08:00","duration":726,"meet":{"tmpMeeting":null,"title":"第11屆第1會期財政委員會第20次全體委員會議","term":11,"type":"委員會","sessionPeriod":1,"sessionTimes":20,"committees":[20],"id":"委員會-11-1-20-20"},"features":["ai-transcript","gazette"],"gazette":{"lineno":750,"blocks":[["黃委員珊珊：（11時13分）有請財政部部長。"],["主席：請莊部長。"],["莊部長翠雲：委員好。"],["黃委員珊珊：部長早。謝謝主席，我昨天有看到一個新聞，就是健保署石崇良署長表示要成立臺灣癌症新藥基金永續論壇，以前我們是菸捐嘛，現在他說酒捐，酒捐將成為可能的來源之一，我想請問一下部長，你知道這件事嗎？"],["莊部長翠雲：基本上，我跟委員一樣，是在媒體看到的。"],["黃委員珊珊：你在媒體看到？"],["莊部長翠雲：是。"],["黃委員珊珊：所以我們的石署長是自己天馬行空，還是做白日夢，還是這是行政院的目標？"],["莊部長翠雲：捐的部分，事實上是屬於衛福部主管。"],["黃委員珊珊：沒錯，但是這個部分，菸酒稅是你們管嘛！"],["莊部長翠雲：對，稅的部分。"],["黃委員珊珊：一個國家在討論財政收入來源的時候，都不需要跟財政部討論嗎？"],["莊部長翠雲：我想後續我們應該會有所討論。"],["黃委員珊珊：那你支持他的說法嗎？"],["莊部長翠雲：這個部分，因為具體的內容，其實我們還沒有很詳細的瞭解……"],["黃委員珊珊：所以都不知道？"],["莊部長翠雲：對。"],["黃委員珊珊：你跟我一樣，我們都是看媒體才知道？"],["莊部長翠雲：是。"],["黃委員珊珊：我覺得一個政策如果有新的狀況，必須要很嚴謹。第一個，賴清德總統提出的是百億癌症新藥基金，所以我看得出來，石崇良是在找財源啦，但找財源的方式，我覺得還要更慎重，因為這個隨意地說出來，會造成社會上大家很多的恐慌。","第二個，我們的法規要配合，如果要這樣做，以前有個菸害防制法，現在要先立一個酒害防制法，然後你這邊的菸酒稅法可能也要做一些同步的討論跟調整，所以部長，我還是建議行政院這邊，希望院裡面還是應該要互相討論，不應該這樣子衝動地說出來，好嗎？所以部長，你去問一問吧，你不要跟我一樣，要到議場來被問時，然後才說你不知道。好，這是第一點。","第二點，我想同步請金管會彭主委。"],["主席：請彭主委。"],["黃委員珊珊：部長也請留步，因為這兩件事情很重要，大家都知道我們很關心新青安貸款，前一陣子卓榮泰院長已經開了相關的檢討會，我也看到財政部有一些發布，也謝謝部長，非常從善如流的把我們所質疑的問題也都納入你的稽核，接下去的查核方式，我想問一下新青安貸款，目前財政部這一次推出的有一個很奇怪的命令，叫做只限一次，只限一次的原因是什麼？"],["莊部長翠雲：我想委員也很清楚，新青安貸款它的政策立意良善，但是不能作為炒房跟人頭戶的一個工具，那麼現在……"],["黃委員珊珊：只限一次是已經有人發現第二次了嗎？"],["莊部長翠雲：我們是希望年輕朋友們，他們可以珍惜這樣一個機會，去買他的第一間房子，以及房貸……"],["黃委員珊珊：部長，我是問你只限一次的原因是什麼？是已經有人發生了第二次嗎？有嗎？"],["莊部長翠雲：這個部分我們還繼續在查，我們還在查，也就是說，其實之前委員也有問過，就是說他買了一間用新青安，然後賣了又再去用新青安可不可以的問題，也有委員曾經質詢過。"],["黃委員珊珊：所以有沒有發生還不知道？"],["莊部長翠雲：我們後續會去追查。"],["黃委員珊珊：來，金管會彭主委，你認為新青安可以貸款兩次嗎？買了賣掉，賺了幾百萬，然後再去買一個，無限期的買，人頭一直換，這是我們原來立法的原意嗎？"],["彭主任委員金隆：金管會對於所有的貸款，我們是做一個整體的管理啦，不會特別針對新青安。"],["黃委員珊珊：因為新青安是財政部的辦法，公股銀行配合。"],["彭主任委員金隆：確實不是我們金管會在……"],["黃委員珊珊：所以部長，這個部分不是金管會主管啦，但是我覺得這件事情，在我們銀行放貸的時候，也要做一些查核。"],["彭主任委員金隆：對，如果它是裡面內控內稽裡面的規範，我們就會來處理。"],["黃委員珊珊：所以財政部現在查到，7月1號有個消息說，目前有查到一千七百多件的人頭戶，這個消息屬實嗎？"],["莊部長翠雲：不是查到一千七百多件人頭戶，就是說可能從高風險裡面，我們先篩選出高風險大概一千七百多戶，但是這高風險裡面不見得都是人頭戶或是違規的……"],["黃委員珊珊：所以你大概什麼時候可以查……"],["莊部長翠雲：會針對這一千多戶的個案委外去查。"],["黃委員珊珊：你什麼時候可以給我們查出一個來龍去脈，然後來跟立法院報告？"],["莊部長翠雲：目前來說，各公股行庫都在積極的調查當中。"],["黃委員珊珊：部長，我覺得這件事情很重要，因為新青安貸款，現在不管是民間或者是銀行業者，或者是房地產業者，其實大家都把這個當成一個非常、非常重要的火車頭，燒起來之後，臺灣的房市往上飆升也就算了，現在是所有的年輕人把它當成一個投資的行業、把它當成一個穩賺不賠的行業，所以我想知道，你大概什麼時候會有一個初步的查核結果？"],["莊部長翠雲：我想初步我們是請公股行庫在……"],["黃委員珊珊：1個月可以嗎？"],["莊部長翠雲：我們會逐批的去查，我想1個月我們查出一個結果給委員瞭解。"],["黃委員珊珊：1個月給我們一個初步的報告，如果有，那就要處理。"],["莊部長翠雲：當然要處理。"],["黃委員珊珊：今天我最擔心的是說，今天很多人違規了，但是他違規沒有什麼，他只是重新核貸，還掉利息、還點錢，然後呢？有沒有受到任何的影響或處罰？不會？"],["莊部長翠雲：當然以目前來說，銀行的合約裡面並沒有相關處罰的要求。"],["黃委員珊珊：這就是中華民國的法規，我們常常是我抓到你了，所以你取消資格，然後就算了。"],["莊部長翠雲：但是他將來就不能再適用新青安。"],["黃委員珊珊：不能再適用就算了。彭主委，現在一般人去申請房貸，我們是不是會做聯徵中心的信用評分？"],["彭主任委員金隆：應該，銀行實務裡面，他們的自律規範、相關規定應該是有這個。"],["黃委員珊珊：也就是說，一般的民眾如果去銀行借錢，曾經有逾期，或者是相關的還款有問題，他都會被紀錄所謂的不良信用，對吧？"],["彭主任委員金隆：如果他在聯徵裡面有紀錄，銀行會自行考慮。"],["黃委員珊珊：是的，所以現在部長我想問一下，如果有人利用新青安做假，比如他沒有自住，他被取消了貸款，會不會列入聯徵的信用瑕疵、需不需要通報？這可能也是財政部必須列入考慮的範圍。也就是在臺灣拿政府的補助，如果你騙了政府，你要付出相對的代價，而且要受到一定的處罰，否則當了人頭也無所謂，就會有現在這麼多的人頭、無所謂的情況。部長，我的意見……"],["莊部長翠雲：我瞭解委員的意思，也就是應該讓他在信用的聯徵上要有所紀錄，這個部分……"],["黃委員珊珊：我們要讓國人知道不誠實是很嚴重的。"],["莊部長翠雲：這個部分我們跟金管會一起討論來做，看怎麼樣加註，讓未來有所抑制。"],["黃委員珊珊：沒錯，如果政府的補助可以隨意地只是單純取消，他無所謂，下次再去做別的事啊！反正他去銀行還是通行無阻，今天做了一個，新青安撤銷之後，他不能再申請新青安，可是他一樣可以繼續做其他的人頭。我的意思是我們要讓大家知道，不要隨便當別人的人頭、不要隨便欺騙政府。"],["莊部長翠雲：確實是，這是一輩子的信用。"],["黃委員珊珊：是的，所以這個部分我希望你們也納入新青安的相關標準。"],["莊部長翠雲：這個部分我們跟金管會研議。"],["黃委員珊珊：我們要讓大家知道當人頭是嚴重的，不誠實是嚴重的，不誠實是會影響信用的。在國外，我想這個是最基本的要件，好嗎？這是第二點。","第三個部分，今天討論的是保險，所以部長請回，然後是主委。"],["主席：部長請回。"],["黃委員珊珊：現在臺灣還是一個地震頻繁的地方，921那時政府、立法院火速通過修正保險法，對保險業要求他們要承保住宅的地震險。"],["彭主任委員金隆：是的。"],["黃委員珊珊：這個已經二十年了，你知道現在我們國內房屋投保地震險的比例有多少嗎？"],["彭主任委員金隆：應該剛剛突破四成，大概……"],["施局長瓊華：將近四成。"],["彭主任委員金隆：將近四成。"],["黃委員珊珊：剛剛突破四成？"],["彭主任委員金隆：將近四成。"],["黃委員珊珊：是因為去銀行貸款必須要保。"],["彭主任委員金隆：是的。"],["黃委員珊珊：但是沒有去銀行貸款的人可以不保？"],["彭主任委員金隆：就是沒有再額外買火險的人，大概就不會有這個……"],["黃委員珊珊：我們的火險、地震險其實金額並不高。"],["彭主任委員金隆：是的。"],["黃委員珊珊：每次銀行跟我說又要續約了，我看看才幾千塊錢。"],["彭主任委員金隆：大概一千……"],["黃委員珊珊：對，一千多塊。"],["彭主任委員金隆：一千多塊。"],["黃委員珊珊：其實是相對非常便宜又划算的保險，保險業是不是不太想推？還是因為沒有強迫所以就不推？"],["彭主任委員金隆：其實國人……"],["黃委員珊珊：如果只有四成，二十年了，主委覺得滿意嗎？"],["彭主任委員金隆：就以那個貸款的覆蓋率應該是非常高，其實我們有訂……"],["黃委員珊珊：貸款覆蓋率應該是百分之百，因為每個銀行都會先做這個要求。"],["彭主任委員金隆：對，應該……"],["黃委員珊珊：但是其他的怎麼辦？"],["彭主任委員金隆：現在房子有房貸的應該都會被要求。"],["黃委員珊珊：是的。"],["彭主任委員金隆：現在如果沒有房貸的，大概就是自己購買力比較低……"],["黃委員珊珊：地震發生之前大家都認為沒必要，花那一千多塊幹嘛！但是一千多塊可以保障你遇到地震如果真的受災了，像這次花蓮災區、當年921的南投災區……"],["彭主任委員金隆：是。"],["黃委員珊珊：很多的房子，其實求助無門，後來用捐款，政府花公務預算補助。但我現在要說的是，2018至2022年家庭貸款增長的速度將近28%，也就是家庭會去貸款的部分增長得很快速，但房屋資產增長的速度只有10%，也就是我們借的錢遠比房屋增值的金額高，所以我認為這是一個風險管理。然後我們看到地震險，其實就相關的我們有住宅地震險的保險基金。"],["彭主任委員金隆：基金，對。"],["黃委員珊珊：其說法為這應該是一個政策性的保險。主委，我只是想知道，從四成怎麼繼續往前走？怎麼讓國人更願意投保住宅的地震險？房地產的暴險，將來不要又變成政府給一大堆錢補助而讓保險能夠share。如果今天保險公司有這麼多的資產，它其實是我們最好的避險。"],["彭主任委員金隆：是的，這個我們其實一直都責成地震基金持續做教育訓練。另外一個，我們也要鼓勵大家購買，除了強制以外，就是剛才所講政策上的地震險、一般商業的那個地震險，這個比率也是偏低。"],["黃委員珊珊：是，我主要是說，我們希望它變成是政策性的，就要大力推廣；如果真的不行，我覺得有一部分可能將來你要變成政策性的。像我的房子，如果一千多塊我覺得很有保障、很高興！而保險公司，它發生機率也不高，對他們來說風險也沒那麼大，所以其實可以精算得出來，這個費用對一般民眾來說應該是可以接受。我希望短期之內，在你任內，我們努力達到五成，可以嗎？"],["彭主任委員金隆：我們來努力，我們會……"],["黃委員珊珊：五成，我覺得至少金管會應該把這個當成自己的KPI。"],["彭主任委員金隆：這個我們來加油。"],["黃委員珊珊：往前走。"],["彭主任委員金隆：對，我們來加油。"],["黃委員珊珊：好的，謝謝。"],["主席：謝謝。接著請王世堅委員質詢。王委員質詢完畢，我們就休息一下。"]],"agenda":{"page_end":68,"meet_id":"委員會-11-1-20-20","speakers":["羅明才","林德福","吳秉叡","賴士葆","郭國文","李坤城","賴惠員","顏寬恒","王鴻薇","李彥秀","黃珊珊","王世堅","陳玉珍","伍麗華Saidhai‧Tahovecahe","黃國昌","林楚茵","鍾佳濱","吳春城","楊瓊瓔"],"page_start":1,"meetingDate":["2024-07-03"],"gazette_id":"1136901","agenda_lcidc_ids":["1136901_00002"],"meet_name":"立法院第11屆第1會期財政委員會第20次全體委員會議紀錄","content":"一、邀請金融監督管理委員會彭主任委員金隆、財政部莊部長翠雲就「如何促進保險業資金擴大\n參與公共建設，加速建設之推動。」進行專題報告，並備質詢；另邀請中央銀行、國家發展委員\n會、經濟部、交通部列席備詢；二、繼續審查本院委員羅明才等17人擬具「保險法第一百四十六\n條之四條文修正草案」案","agenda_id":"1136901_00001"}},"transcript":{"id":"154494","pyannote":{"name":"ronny","tool":"pyannote","data":{"url":"https://ivod.ly.gov.tw/Play/Clip/1M/154494","tool":"pyannote","id":"154494-pyannote"},"job_id":"UwZbB6iEqDQy2Vp3","queued_at":"2024-07-03 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\"休\", \"start\": 724.744, \"end\": 724.984, \"score\": 0.98}, {\"word\": \"息\", \"start\": 724.984, \"end\": 725.144, \"score\": 0.941}, {\"word\": \"一\", \"start\": 725.144, \"end\": 725.264, \"score\": 0.998}, {\"word\": \"下\", \"start\": 725.264, \"end\": 725.284, \"score\": 1.0}], \"language\": \"zh\"}","srt":"1\n00:00:00,452 --> 00:00:01,138\n請財政部部長請莊部長\n\n2\n00:00:11,423 --> 00:00:35,151\n委員好是部長早謝謝主席我想今天昨天有看到一個新聞就是健保署石崇良署長他說要成立台灣癌症新藥基金永續論壇以前我們是菸捐嘛現在他說酒捐酒捐將成為可能的來源之一我想請問一下部長你知道這件事嗎\n\n3\n00:00:36,476 --> 00:01:03,837\n基本上我是跟委員一樣在媒體看到你在媒體看到所以我們的時署長是自己天馬行空還是做白日夢還是這是行政院的目標捐的部分事實上是屬於衛福部主管衛福部沒錯但是這個部分煙酒稅是我們管嘛稅對那一個國家在討論財政收入的來源的時候都沒有不需要跟財政部討論嗎我想後續我們應該會有所討論\n\n4\n00:01:06,719 --> 00:01:35,618\n那你支持他的說法嗎?這個部分因為具體的內容其實我們並還沒有很詳細的了解你跟我一樣我們都是看媒體才知道我覺得一個政策如果有新的狀況必須要很嚴謹第二個賴清德總統他提出的是百億癌症新藥基金所以我看得出來石崇良是在找裁員但找裁員的方式我覺得還要更慎重因為這個隨意的說出來會造成社會上大家很多的恐慌\n\n5\n00:01:36,238 --> 00:01:57,813\n第二個我們的法規要配合如果要這樣做以前有個煙害防治法現在要先立一個酒害防治法然後你這邊的煙酒稅法可能也要做一些同步的討論跟調整所以部長我還是建議啦行政院這邊希望還是院裡面應該互相討論不應該這樣子衝動的說出來好嗎所以部長你去問一問吧\n\n6\n00:02:04,216 --> 00:02:06,620\n第二點,我想同步請金管會黃主委。\n\n7\n00:02:21,508 --> 00:02:45,795\n是兩位部長請留步因為這兩件事情很重要大家都知道我們很關心新青岸貸款前陣子卓文泰院長他已經開了相關的檢討會會看到財政部有一些發布那也謝謝部長非常從善如流的把我們所質疑的問題也都納入你的集合接下去的查核方式我想問一下新青岸貸款目前\n\n8\n00:02:47,016 --> 00:02:55,051\n財政部這一次推出的有一個很奇怪的命令叫做只限一次只限一次的原因是什麼\n\n9\n00:02:56,731 --> 00:03:17,745\n我想委員也很清楚新清安貸款它的政策利益良善但是不能作為炒房跟人頭富的工具只剩一次是已經有人發現第二次了嗎我們是希望就是說年輕朋友們這些他可以珍惜這樣一個機會去買他的第一間的房子不知道我只問你只剩一次的原因是什麼是已經有人發生了第二次嗎\n\n10\n00:03:19,647 --> 00:03:37,225\n有嗎?這個部分我們還繼續在我們還在查也就是說委員其實之前委員也有問過就是說他買了一間用新積安然後賣了又再去用新積安可不可以的問題也有委員曾經質問過所以有沒有發生還不知道我們後續會去對查來今晚會彭主委你認為新積安可以貸款兩次嗎?\n\n11\n00:03:39,214 --> 00:04:02,051\n買了賣掉賺了幾百萬然後再去買一個無限期的買人頭一直換這是我們原來立法的原因嗎?這個我們金管會對於這個所有的貸款是按照我們是做一個整體的這個管理啦不會特別針對新青安因為新青安是財政部的辦法供股銀行配合所以部長\n\n12\n00:04:04,053 --> 00:04:22,913\n這個部分金管會不是你們主管啦但是我覺得這件事情在我們銀行放貸的時候也要做一些查核對如果它是裡面的內控內基裡面的規範我們就會來處理所以財政部現在查到7月1號有個消息說目前有查到1700多件的人頭戶這個消息屬實嗎\n\n13\n00:04:25,677 --> 00:04:25,977\n公共股、航空部都積極查\n\n14\n00:04:47,421 --> 00:05:02,186\n部長我覺得這件事情很重要因為新興家貸款現在已經不管是民間或者是銀行業者或者是房地產業者其實大家都把這個當成一個非常非常重要的火車頭\n\n15\n00:05:03,306 --> 00:05:05,307\n邀請中央銀行、國家發展委員會．加速建設之推動．加速建設之推動．加速建設之推動．\n\n16\n00:05:18,403 --> 00:05:38,660\n呃,我想我們,呃,初步我們是請工股航庫在...一個月可以嗎?一周,呃,我們會逐批的去查,我想一個月我們查出一個月給我們一個初步的報告,如果有,那就要處理。今天我最擔心的是說,今天我們很多人違規了,但是他違規,沒有什麼。\n\n17\n00:05:39,781 --> 00:05:47,746\n他只是重新核代、還掉利息、還點錢,然後有沒有受到任何的影響或處罰。\n\n18\n00:05:49,551 --> 00:05:52,772\n現在彭主委,我們是不是一般人去申請房貸,我們會做廉政中心的信用評分?\n\n19\n00:06:14,042 --> 00:06:31,077\n應該銀行實務裡面他們的自律規範相關應該是有這個也就是說一般的民眾他去銀行借錢曾經有預期或者是相關的還款有問題他都會被記錄所謂的不良信用對吧如果他在連徵裡面有記錄銀行會自行考量是的\n\n20\n00:06:32,441 --> 00:06:51,833\n所以現在部長我想問一下如果有人利用了新清單做了假的比如說他沒有自住他被取消了貸款他會不會列入連徵裡面的信用瑕疵需不需要通報這個部分可能也是財政部必須要把它列入考慮的範圍也就是說在台灣我們\n\n21\n00:06:53,294 --> 00:07:16,728\n拿政府補助如果你騙了政府你要付出相對的代價而且要受到一定的處罰否則當了人頭也無所謂就會有現在這麼多的人頭無所謂的情況部長我的意見我了解委員的意思就是說應該讓他在這個信用的連徵上要有所記錄我們要讓國人知道不誠實是很嚴重的\n\n22\n00:07:18,098 --> 00:07:45,687\n這個部分我們跟金管會一起來討論來做看怎麼樣的一個加注沒錯,如果政府的補助可以隨意的只是單純的取消他無所謂啊下次再去做別的事啊反正他去銀行還是通行無阻今天做了一個新興安撤銷之後他不能再徵請新興安可是他一樣可以繼續做他其他的人頭我的意思是說我們要讓大家知道不要隨便當別人的人頭\n\n23\n00:07:46,608 --> 00:07:48,278\n不要隨便欺騙政府\n\n24\n00:07:48,697 --> 00:07:52,860\n第三個部分就是我想問一下今天討論的是保險所以就麻煩部長請回然後主委\n\n25\n00:08:20,198 --> 00:08:42,055\n臺灣現在我們還是一個地震頻繁的地方然後我們臺灣目前為止在921的時候其實政府、立法院火速修法通過保險法把保險業要求他們要承保住宅的地震險是的這個已經20年了你知道現在的我們國內法屋投保地震的\n\n26\n00:08:42,435 --> 00:08:43,516\n地震險的比例有多少?\n\n27\n00:09:01,936 --> 00:09:19,850\n我每次銀行跟我說你又要續約我看看才幾千塊錢一千多塊其實是相對非常便宜又划算的保險保險業是不是不太想推啊還是因為沒有強迫所以就不推如果只有4成20年主委你覺得你滿意嗎\n\n28\n00:09:38,809 --> 00:09:56,885\n在沒有地震發生之前大家都認為沒必要花那一千多塊幹嘛但是一千多塊可以保障你在地震如果真的受災了像這是花蓮的災區當年921的南投的災區其實很多房子其實求助我們然後政府花了很多後來用捐款\n\n29\n00:09:57,546 --> 00:10:19,773\n候政府的公布預算來補助但是我現在要說的是2018到2022年家庭的貸款增長的速度將近是28%也就是我們家庭會去貸款的速度很快速但是房地的資產增長的速度只有10%也就是說我們借的錢遠比我們房屋增值的金額高所以我認為\n\n30\n00:10:21,293 --> 00:10:43,658\n這個是一個風險管理然後我們看到地震險其實在相關的我們有一個住宅地震險的保險基金它的說法是這是應該是一個政策性的保險主委我只是想知道從四層怎麼繼續往前走怎麼讓國人更願意去投保住宅的地震險把房地產的曝險\n\n31\n00:10:45,158 --> 00:11:09,668\n將來不要又變成政府要來給一大堆錢補助而讓保險能夠去share如果今天保險公司有這麼多的資產它其實是我們最好的避險是的這個我們其實上一直都責成地震基金持續的做教育訓練那另外一個就是我們也要那個鼓勵大家購買除了強制以為就剛才講的政策的地震險一般的商業的那個地震險\n\n32\n00:11:10,849 --> 00:11:26,930\n這個比率也是比例所以剛剛我主要說主委我們希望它變成政策性它就是一個要大力推廣如果真的不行我覺得有一部分可能將來你要變成政策性的如果一千多塊像我的房子一千多塊我覺得很有保障很高興\n\n33\n00:11:27,811 --> 00:11:28,371\n主席主席主席\n\n34\n00:11:59,076 --> 00:12:05,284\n接著請王世堅、王委員質詢王委員質詢完畢,我們就休息一下\n\n","tsv":"start\tend\ttext\n452\t1138\t請財政部部長請莊部長\n11423\t35151\t委員好是部長早謝謝主席我想今天昨天有看到一個新聞就是健保署石崇良署長他說要成立台灣癌症新藥基金永續論壇以前我們是菸捐嘛現在他說酒捐酒捐將成為可能的來源之一我想請問一下部長你知道這件事嗎\n36476\t63837\t基本上我是跟委員一樣在媒體看到你在媒體看到所以我們的時署長是自己天馬行空還是做白日夢還是這是行政院的目標捐的部分事實上是屬於衛福部主管衛福部沒錯但是這個部分煙酒稅是我們管嘛稅對那一個國家在討論財政收入的來源的時候都沒有不需要跟財政部討論嗎我想後續我們應該會有所討論\n66719\t95618\t那你支持他的說法嗎?這個部分因為具體的內容其實我們並還沒有很詳細的了解你跟我一樣我們都是看媒體才知道我覺得一個政策如果有新的狀況必須要很嚴謹第二個賴清德總統他提出的是百億癌症新藥基金所以我看得出來石崇良是在找裁員但找裁員的方式我覺得還要更慎重因為這個隨意的說出來會造成社會上大家很多的恐慌\n96238\t117813\t第二個我們的法規要配合如果要這樣做以前有個煙害防治法現在要先立一個酒害防治法然後你這邊的煙酒稅法可能也要做一些同步的討論跟調整所以部長我還是建議啦行政院這邊希望還是院裡面應該互相討論不應該這樣子衝動的說出來好嗎所以部長你去問一問吧\n124216\t126620\t第二點,我想同步請金管會黃主委。\n141508\t165795\t是兩位部長請留步因為這兩件事情很重要大家都知道我們很關心新青岸貸款前陣子卓文泰院長他已經開了相關的檢討會會看到財政部有一些發布那也謝謝部長非常從善如流的把我們所質疑的問題也都納入你的集合接下去的查核方式我想問一下新青岸貸款目前\n167016\t175051\t財政部這一次推出的有一個很奇怪的命令叫做只限一次只限一次的原因是什麼\n176731\t197745\t我想委員也很清楚新清安貸款它的政策利益良善但是不能作為炒房跟人頭富的工具只剩一次是已經有人發現第二次了嗎我們是希望就是說年輕朋友們這些他可以珍惜這樣一個機會去買他的第一間的房子不知道我只問你只剩一次的原因是什麼是已經有人發生了第二次嗎\n199647\t217225\t有嗎?這個部分我們還繼續在我們還在查也就是說委員其實之前委員也有問過就是說他買了一間用新積安然後賣了又再去用新積安可不可以的問題也有委員曾經質問過所以有沒有發生還不知道我們後續會去對查來今晚會彭主委你認為新積安可以貸款兩次嗎?\n219214\t242051\t買了賣掉賺了幾百萬然後再去買一個無限期的買人頭一直換這是我們原來立法的原因嗎?這個我們金管會對於這個所有的貸款是按照我們是做一個整體的這個管理啦不會特別針對新青安因為新青安是財政部的辦法供股銀行配合所以部長\n244053\t262913\t這個部分金管會不是你們主管啦但是我覺得這件事情在我們銀行放貸的時候也要做一些查核對 如果它是裡面的內控內基裡面的規範我們就會來處理所以財政部現在查到7月1號有個消息說目前有查到1700多件的人頭戶這個消息屬實嗎\n265677\t265977\t公共股、航空部都積極查\n287421\t302186\t部長我覺得這件事情很重要因為新興家貸款現在已經不管是民間或者是銀行業者或者是房地產業者其實大家都把這個當成一個非常非常重要的火車頭\n303306\t305307\t邀請中央銀行、國家發展委員會．加速建設之推動．加速建設之推動．加速建設之推動．\n318403\t338660\t呃,我想我們,呃,初步我們是請工股航庫在...一個月可以嗎?一周,呃,我們會逐批的去查,我想一個月我們查出一個月給我們一個初步的報告,如果有,那就要處理。今天我最擔心的是說,今天我們很多人違規了,但是他違規,沒有什麼。\n339781\t347746\t他只是重新核代、還掉利息、還點錢,然後有沒有受到任何的影響或處罰。\n349551\t352772\t現在彭主委,我們是不是一般人去申請房貸,我們會做廉政中心的信用評分?\n374042\t391077\t應該銀行實務裡面他們的自律規範相關應該是有這個也就是說一般的民眾他去銀行借錢曾經有預期或者是相關的還款有問題他都會被記錄所謂的不良信用對吧如果他在連徵裡面有記錄銀行會自行考量是的\n392441\t411833\t所以現在部長我想問一下如果有人利用了新清單做了假的比如說他沒有自住他被取消了貸款他會不會列入連徵裡面的信用瑕疵需不需要通報這個部分可能也是財政部必須要把它列入考慮的範圍也就是說在台灣我們\n413294\t436728\t拿政府補助如果你騙了政府你要付出相對的代價而且要受到一定的處罰否則當了人頭也無所謂就會有現在這麼多的人頭無所謂的情況部長我的意見我了解委員的意思就是說應該讓他在這個信用的連徵上要有所記錄我們要讓國人知道不誠實是很嚴重的\n438098\t465687\t這個部分我們跟金管會一起來討論來做看怎麼樣的一個加注沒錯,如果政府的補助可以隨意的只是單純的取消他無所謂啊下次再去做別的事啊反正他去銀行還是通行無阻今天做了一個新興安撤銷之後他不能再徵請新興安可是他一樣可以繼續做他其他的人頭我的意思是說我們要讓大家知道不要隨便當別人的人頭\n466608\t468278\t不要隨便欺騙政府\n468697\t472860\t第三個部分就是我想問一下今天討論的是保險所以就麻煩部長請回然後主委\n500198\t522055\t臺灣現在我們還是一個地震頻繁的地方然後我們臺灣目前為止在921的時候其實政府、立法院火速修法通過保險法把保險業要求他們要承保住宅的地震險是的這個已經20年了你知道現在的我們國內法屋投保地震的\n522435\t523516\t地震險的比例有多少?\n541936\t559850\t我每次銀行跟我說你又要續約我看看才幾千塊錢一千多塊其實是相對非常便宜又划算的保險保險業是不是不太想推啊還是因為沒有強迫所以就不推如果只有4成20年主委你覺得你滿意嗎\n561271\t578609\t議員議員議員\n578809\t596885\t在沒有地震發生之前大家都認為沒必要花那一千多塊幹嘛但是一千多塊可以保障你在地震如果真的受災了像這是花蓮的災區當年921的南投的災區其實很多房子其實求助我們然後政府花了很多後來用捐款\n597546\t619773\t候政府的公布預算來補助但是我現在要說的是2018到2022年家庭的貸款增長的速度將近是28%也就是我們家庭會去貸款的速度很快速但是房地的資產增長的速度只有10%也就是說我們借的錢遠比我們房屋增值的金額高所以我認為\n621293\t643658\t這個是一個風險管理然後我們看到地震險其實在相關的我們有一個住宅地震險的保險基金它的說法是這是應該是一個政策性的保險主委我只是想知道從四層怎麼繼續往前走怎麼讓國人更願意去投保住宅的地震險把房地產的曝險\n645158\t669668\t將來不要又變成政府要來給一大堆錢補助而讓保險能夠去share如果今天保險公司有這麼多的資產它其實是我們最好的避險是的 這個我們其實上一直都責成地震基金持續的做教育訓練那另外一個就是我們也要那個鼓勵大家購買除了強制以為就剛才講的政策的地震險一般的商業的那個地震險\n670849\t686930\t這個比率也是比例所以剛剛我主要說主委我們希望它變成政策性它就是一個要大力推廣如果真的不行我覺得有一部分可能將來你要變成政策性的如果一千多塊像我的房子一千多塊我覺得很有保障很高興\n687811\t688371\t主席主席主席\n719076\t725284\t接著請王世堅、王委員質詢王委員質詢完畢,我們就休息一下\n","txt":"請財政部部長請莊部長\n委員好是部長早謝謝主席我想今天昨天有看到一個新聞就是健保署石崇良署長他說要成立台灣癌症新藥基金永續論壇以前我們是菸捐嘛現在他說酒捐酒捐將成為可能的來源之一我想請問一下部長你知道這件事嗎\n基本上我是跟委員一樣在媒體看到你在媒體看到所以我們的時署長是自己天馬行空還是做白日夢還是這是行政院的目標捐的部分事實上是屬於衛福部主管衛福部沒錯但是這個部分煙酒稅是我們管嘛稅對那一個國家在討論財政收入的來源的時候都沒有不需要跟財政部討論嗎我想後續我們應該會有所討論\n那你支持他的說法嗎?這個部分因為具體的內容其實我們並還沒有很詳細的了解你跟我一樣我們都是看媒體才知道我覺得一個政策如果有新的狀況必須要很嚴謹第二個賴清德總統他提出的是百億癌症新藥基金所以我看得出來石崇良是在找裁員但找裁員的方式我覺得還要更慎重因為這個隨意的說出來會造成社會上大家很多的恐慌\n第二個我們的法規要配合如果要這樣做以前有個煙害防治法現在要先立一個酒害防治法然後你這邊的煙酒稅法可能也要做一些同步的討論跟調整所以部長我還是建議啦行政院這邊希望還是院裡面應該互相討論不應該這樣子衝動的說出來好嗎所以部長你去問一問吧\n第二點,我想同步請金管會黃主委。\n是兩位部長請留步因為這兩件事情很重要大家都知道我們很關心新青岸貸款前陣子卓文泰院長他已經開了相關的檢討會會看到財政部有一些發布那也謝謝部長非常從善如流的把我們所質疑的問題也都納入你的集合接下去的查核方式我想問一下新青岸貸款目前\n財政部這一次推出的有一個很奇怪的命令叫做只限一次只限一次的原因是什麼\n我想委員也很清楚新清安貸款它的政策利益良善但是不能作為炒房跟人頭富的工具只剩一次是已經有人發現第二次了嗎我們是希望就是說年輕朋友們這些他可以珍惜這樣一個機會去買他的第一間的房子不知道我只問你只剩一次的原因是什麼是已經有人發生了第二次嗎\n有嗎?這個部分我們還繼續在我們還在查也就是說委員其實之前委員也有問過就是說他買了一間用新積安然後賣了又再去用新積安可不可以的問題也有委員曾經質問過所以有沒有發生還不知道我們後續會去對查來今晚會彭主委你認為新積安可以貸款兩次嗎?\n買了賣掉賺了幾百萬然後再去買一個無限期的買人頭一直換這是我們原來立法的原因嗎?這個我們金管會對於這個所有的貸款是按照我們是做一個整體的這個管理啦不會特別針對新青安因為新青安是財政部的辦法供股銀行配合所以部長\n這個部分金管會不是你們主管啦但是我覺得這件事情在我們銀行放貸的時候也要做一些查核對 如果它是裡面的內控內基裡面的規範我們就會來處理所以財政部現在查到7月1號有個消息說目前有查到1700多件的人頭戶這個消息屬實嗎\n公共股、航空部都積極查\n部長我覺得這件事情很重要因為新興家貸款現在已經不管是民間或者是銀行業者或者是房地產業者其實大家都把這個當成一個非常非常重要的火車頭\n邀請中央銀行、國家發展委員會．加速建設之推動．加速建設之推動．加速建設之推動．\n呃,我想我們,呃,初步我們是請工股航庫在...一個月可以嗎?一周,呃,我們會逐批的去查,我想一個月我們查出一個月給我們一個初步的報告,如果有,那就要處理。今天我最擔心的是說,今天我們很多人違規了,但是他違規,沒有什麼。\n他只是重新核代、還掉利息、還點錢,然後有沒有受到任何的影響或處罰。\n現在彭主委,我們是不是一般人去申請房貸,我們會做廉政中心的信用評分?\n應該銀行實務裡面他們的自律規範相關應該是有這個也就是說一般的民眾他去銀行借錢曾經有預期或者是相關的還款有問題他都會被記錄所謂的不良信用對吧如果他在連徵裡面有記錄銀行會自行考量是的\n所以現在部長我想問一下如果有人利用了新清單做了假的比如說他沒有自住他被取消了貸款他會不會列入連徵裡面的信用瑕疵需不需要通報這個部分可能也是財政部必須要把它列入考慮的範圍也就是說在台灣我們\n拿政府補助如果你騙了政府你要付出相對的代價而且要受到一定的處罰否則當了人頭也無所謂就會有現在這麼多的人頭無所謂的情況部長我的意見我了解委員的意思就是說應該讓他在這個信用的連徵上要有所記錄我們要讓國人知道不誠實是很嚴重的\n這個部分我們跟金管會一起來討論來做看怎麼樣的一個加注沒錯,如果政府的補助可以隨意的只是單純的取消他無所謂啊下次再去做別的事啊反正他去銀行還是通行無阻今天做了一個新興安撤銷之後他不能再徵請新興安可是他一樣可以繼續做他其他的人頭我的意思是說我們要讓大家知道不要隨便當別人的人頭\n不要隨便欺騙政府\n第三個部分就是我想問一下今天討論的是保險所以就麻煩部長請回然後主委\n臺灣現在我們還是一個地震頻繁的地方然後我們臺灣目前為止在921的時候其實政府、立法院火速修法通過保險法把保險業要求他們要承保住宅的地震險是的這個已經20年了你知道現在的我們國內法屋投保地震的\n地震險的比例有多少?\n我每次銀行跟我說你又要續約我看看才幾千塊錢一千多塊其實是相對非常便宜又划算的保險保險業是不是不太想推啊還是因為沒有強迫所以就不推如果只有4成20年主委你覺得你滿意嗎\n議員議員議員\n在沒有地震發生之前大家都認為沒必要花那一千多塊幹嘛但是一千多塊可以保障你在地震如果真的受災了像這是花蓮的災區當年921的南投的災區其實很多房子其實求助我們然後政府花了很多後來用捐款\n候政府的公布預算來補助但是我現在要說的是2018到2022年家庭的貸款增長的速度將近是28%也就是我們家庭會去貸款的速度很快速但是房地的資產增長的速度只有10%也就是說我們借的錢遠比我們房屋增值的金額高所以我認為\n這個是一個風險管理然後我們看到地震險其實在相關的我們有一個住宅地震險的保險基金它的說法是這是應該是一個政策性的保險主委我只是想知道從四層怎麼繼續往前走怎麼讓國人更願意去投保住宅的地震險把房地產的曝險\n將來不要又變成政府要來給一大堆錢補助而讓保險能夠去share如果今天保險公司有這麼多的資產它其實是我們最好的避險是的 這個我們其實上一直都責成地震基金持續的做教育訓練那另外一個就是我們也要那個鼓勵大家購買除了強制以為就剛才講的政策的地震險一般的商業的那個地震險\n這個比率也是比例所以剛剛我主要說主委我們希望它變成政策性它就是一個要大力推廣如果真的不行我覺得有一部分可能將來你要變成政策性的如果一千多塊像我的房子一千多塊我覺得很有保障很高興\n主席主席主席\n接著請王世堅、王委員質詢王委員質詢完畢,我們就休息一下\n","vtt":"WEBVTT\n\n00:00.452 --> 00:01.138\n請財政部部長請莊部長\n\n00:11.423 --> 00:35.151\n委員好是部長早謝謝主席我想今天昨天有看到一個新聞就是健保署石崇良署長他說要成立台灣癌症新藥基金永續論壇以前我們是菸捐嘛現在他說酒捐酒捐將成為可能的來源之一我想請問一下部長你知道這件事嗎\n\n00:36.476 --> 01:03.837\n基本上我是跟委員一樣在媒體看到你在媒體看到所以我們的時署長是自己天馬行空還是做白日夢還是這是行政院的目標捐的部分事實上是屬於衛福部主管衛福部沒錯但是這個部分煙酒稅是我們管嘛稅對那一個國家在討論財政收入的來源的時候都沒有不需要跟財政部討論嗎我想後續我們應該會有所討論\n\n01:06.719 --> 01:35.618\n那你支持他的說法嗎?這個部分因為具體的內容其實我們並還沒有很詳細的了解你跟我一樣我們都是看媒體才知道我覺得一個政策如果有新的狀況必須要很嚴謹第二個賴清德總統他提出的是百億癌症新藥基金所以我看得出來石崇良是在找裁員但找裁員的方式我覺得還要更慎重因為這個隨意的說出來會造成社會上大家很多的恐慌\n\n01:36.238 --> 01:57.813\n第二個我們的法規要配合如果要這樣做以前有個煙害防治法現在要先立一個酒害防治法然後你這邊的煙酒稅法可能也要做一些同步的討論跟調整所以部長我還是建議啦行政院這邊希望還是院裡面應該互相討論不應該這樣子衝動的說出來好嗎所以部長你去問一問吧\n\n02:04.216 --> 02:06.620\n第二點,我想同步請金管會黃主委。\n\n02:21.508 --> 02:45.795\n是兩位部長請留步因為這兩件事情很重要大家都知道我們很關心新青岸貸款前陣子卓文泰院長他已經開了相關的檢討會會看到財政部有一些發布那也謝謝部長非常從善如流的把我們所質疑的問題也都納入你的集合接下去的查核方式我想問一下新青岸貸款目前\n\n02:47.016 --> 02:55.051\n財政部這一次推出的有一個很奇怪的命令叫做只限一次只限一次的原因是什麼\n\n02:56.731 --> 03:17.745\n我想委員也很清楚新清安貸款它的政策利益良善但是不能作為炒房跟人頭富的工具只剩一次是已經有人發現第二次了嗎我們是希望就是說年輕朋友們這些他可以珍惜這樣一個機會去買他的第一間的房子不知道我只問你只剩一次的原因是什麼是已經有人發生了第二次嗎\n\n03:19.647 --> 03:37.225\n有嗎?這個部分我們還繼續在我們還在查也就是說委員其實之前委員也有問過就是說他買了一間用新積安然後賣了又再去用新積安可不可以的問題也有委員曾經質問過所以有沒有發生還不知道我們後續會去對查來今晚會彭主委你認為新積安可以貸款兩次嗎?\n\n03:39.214 --> 04:02.051\n買了賣掉賺了幾百萬然後再去買一個無限期的買人頭一直換這是我們原來立法的原因嗎?這個我們金管會對於這個所有的貸款是按照我們是做一個整體的這個管理啦不會特別針對新青安因為新青安是財政部的辦法供股銀行配合所以部長\n\n04:04.053 --> 04:22.913\n這個部分金管會不是你們主管啦但是我覺得這件事情在我們銀行放貸的時候也要做一些查核對如果它是裡面的內控內基裡面的規範我們就會來處理所以財政部現在查到7月1號有個消息說目前有查到1700多件的人頭戶這個消息屬實嗎\n\n04:25.677 --> 04:25.977\n公共股、航空部都積極查\n\n04:47.421 --> 05:02.186\n部長我覺得這件事情很重要因為新興家貸款現在已經不管是民間或者是銀行業者或者是房地產業者其實大家都把這個當成一個非常非常重要的火車頭\n\n05:03.306 --> 05:05.307\n邀請中央銀行、國家發展委員會．加速建設之推動．加速建設之推動．加速建設之推動．\n\n05:18.403 --> 05:38.660\n呃,我想我們,呃,初步我們是請工股航庫在...一個月可以嗎?一周,呃,我們會逐批的去查,我想一個月我們查出一個月給我們一個初步的報告,如果有,那就要處理。今天我最擔心的是說,今天我們很多人違規了,但是他違規,沒有什麼。\n\n05:39.781 --> 05:47.746\n他只是重新核代、還掉利息、還點錢,然後有沒有受到任何的影響或處罰。\n\n05:49.551 --> 05:52.772\n現在彭主委,我們是不是一般人去申請房貸,我們會做廉政中心的信用評分?\n\n06:14.042 --> 06:31.077\n應該銀行實務裡面他們的自律規範相關應該是有這個也就是說一般的民眾他去銀行借錢曾經有預期或者是相關的還款有問題他都會被記錄所謂的不良信用對吧如果他在連徵裡面有記錄銀行會自行考量是的\n\n06:32.441 --> 06:51.833\n所以現在部長我想問一下如果有人利用了新清單做了假的比如說他沒有自住他被取消了貸款他會不會列入連徵裡面的信用瑕疵需不需要通報這個部分可能也是財政部必須要把它列入考慮的範圍也就是說在台灣我們\n\n06:53.294 --> 07:16.728\n拿政府補助如果你騙了政府你要付出相對的代價而且要受到一定的處罰否則當了人頭也無所謂就會有現在這麼多的人頭無所謂的情況部長我的意見我了解委員的意思就是說應該讓他在這個信用的連徵上要有所記錄我們要讓國人知道不誠實是很嚴重的\n\n07:18.098 --> 07:45.687\n這個部分我們跟金管會一起來討論來做看怎麼樣的一個加注沒錯,如果政府的補助可以隨意的只是單純的取消他無所謂啊下次再去做別的事啊反正他去銀行還是通行無阻今天做了一個新興安撤銷之後他不能再徵請新興安可是他一樣可以繼續做他其他的人頭我的意思是說我們要讓大家知道不要隨便當別人的人頭\n\n07:46.608 --> 07:48.278\n不要隨便欺騙政府\n\n07:48.697 --> 07:52.860\n第三個部分就是我想問一下今天討論的是保險所以就麻煩部長請回然後主委\n\n08:20.198 --> 08:42.055\n臺灣現在我們還是一個地震頻繁的地方然後我們臺灣目前為止在921的時候其實政府、立法院火速修法通過保險法把保險業要求他們要承保住宅的地震險是的這個已經20年了你知道現在的我們國內法屋投保地震的\n\n08:42.435 --> 08:43.516\n地震險的比例有多少?\n\n09:01.936 --> 09:19.850\n我每次銀行跟我說你又要續約我看看才幾千塊錢一千多塊其實是相對非常便宜又划算的保險保險業是不是不太想推啊還是因為沒有強迫所以就不推如果只有4成20年主委你覺得你滿意嗎\n\n09:38.809 --> 09:56.885\n在沒有地震發生之前大家都認為沒必要花那一千多塊幹嘛但是一千多塊可以保障你在地震如果真的受災了像這是花蓮的災區當年921的南投的災區其實很多房子其實求助我們然後政府花了很多後來用捐款\n\n09:57.546 --> 10:19.773\n候政府的公布預算來補助但是我現在要說的是2018到2022年家庭的貸款增長的速度將近是28%也就是我們家庭會去貸款的速度很快速但是房地的資產增長的速度只有10%也就是說我們借的錢遠比我們房屋增值的金額高所以我認為\n\n10:21.293 --> 10:43.658\n這個是一個風險管理然後我們看到地震險其實在相關的我們有一個住宅地震險的保險基金它的說法是這是應該是一個政策性的保險主委我只是想知道從四層怎麼繼續往前走怎麼讓國人更願意去投保住宅的地震險把房地產的曝險\n\n10:45.158 --> 11:09.668\n將來不要又變成政府要來給一大堆錢補助而讓保險能夠去share如果今天保險公司有這麼多的資產它其實是我們最好的避險是的這個我們其實上一直都責成地震基金持續的做教育訓練那另外一個就是我們也要那個鼓勵大家購買除了強制以為就剛才講的政策的地震險一般的商業的那個地震險\n\n11:10.849 --> 11:26.930\n這個比率也是比例所以剛剛我主要說主委我們希望它變成政策性它就是一個要大力推廣如果真的不行我覺得有一部分可能將來你要變成政策性的如果一千多塊像我的房子一千多塊我覺得很有保障很高興\n\n11:27.811 --> 11:28.371\n主席主席主席\n\n11:59.076 --> 12:05.284\n接著請王世堅、王委員質詢王委員質詢完畢,我們就休息一下\n\n","segments":[{"start":0.452,"end":1.138,"text":"請財政部部長請莊部長"},{"start":11.423,"end":35.151,"text":"委員好是部長早謝謝主席我想今天昨天有看到一個新聞就是健保署石崇良署長他說要成立台灣癌症新藥基金永續論壇以前我們是菸捐嘛現在他說酒捐酒捐將成為可能的來源之一我想請問一下部長你知道這件事嗎"},{"start":36.476,"end":63.837,"text":"基本上我是跟委員一樣在媒體看到你在媒體看到所以我們的時署長是自己天馬行空還是做白日夢還是這是行政院的目標捐的部分事實上是屬於衛福部主管衛福部沒錯但是這個部分煙酒稅是我們管嘛稅對那一個國家在討論財政收入的來源的時候都沒有不需要跟財政部討論嗎我想後續我們應該會有所討論"},{"start":66.719,"end":95.618,"text":"那你支持他的說法嗎?這個部分因為具體的內容其實我們並還沒有很詳細的了解你跟我一樣我們都是看媒體才知道我覺得一個政策如果有新的狀況必須要很嚴謹第二個賴清德總統他提出的是百億癌症新藥基金所以我看得出來石崇良是在找裁員但找裁員的方式我覺得還要更慎重因為這個隨意的說出來會造成社會上大家很多的恐慌"},{"start":96.238,"end":117.813,"text":"第二個我們的法規要配合如果要這樣做以前有個煙害防治法現在要先立一個酒害防治法然後你這邊的煙酒稅法可能也要做一些同步的討論跟調整所以部長我還是建議啦行政院這邊希望還是院裡面應該互相討論不應該這樣子衝動的說出來好嗎所以部長你去問一問吧"},{"start":124.216,"end":126.62,"text":"第二點,我想同步請金管會黃主委。"},{"start":141.508,"end":165.795,"text":"是兩位部長請留步因為這兩件事情很重要大家都知道我們很關心新青岸貸款前陣子卓文泰院長他已經開了相關的檢討會會看到財政部有一些發布那也謝謝部長非常從善如流的把我們所質疑的問題也都納入你的集合接下去的查核方式我想問一下新青岸貸款目前"},{"start":167.016,"end":175.051,"text":"財政部這一次推出的有一個很奇怪的命令叫做只限一次只限一次的原因是什麼"},{"start":176.731,"end":197.745,"text":"我想委員也很清楚新清安貸款它的政策利益良善但是不能作為炒房跟人頭富的工具只剩一次是已經有人發現第二次了嗎我們是希望就是說年輕朋友們這些他可以珍惜這樣一個機會去買他的第一間的房子不知道我只問你只剩一次的原因是什麼是已經有人發生了第二次嗎"},{"start":199.647,"end":217.225,"text":"有嗎?這個部分我們還繼續在我們還在查也就是說委員其實之前委員也有問過就是說他買了一間用新積安然後賣了又再去用新積安可不可以的問題也有委員曾經質問過所以有沒有發生還不知道我們後續會去對查來今晚會彭主委你認為新積安可以貸款兩次嗎?"},{"start":219.214,"end":242.051,"text":"買了賣掉賺了幾百萬然後再去買一個無限期的買人頭一直換這是我們原來立法的原因嗎?這個我們金管會對於這個所有的貸款是按照我們是做一個整體的這個管理啦不會特別針對新青安因為新青安是財政部的辦法供股銀行配合所以部長"},{"start":244.053,"end":262.913,"text":"這個部分金管會不是你們主管啦但是我覺得這件事情在我們銀行放貸的時候也要做一些查核對 如果它是裡面的內控內基裡面的規範我們就會來處理所以財政部現在查到7月1號有個消息說目前有查到1700多件的人頭戶這個消息屬實嗎"},{"start":265.677,"end":265.977,"text":"公共股、航空部都積極查"},{"start":287.421,"end":302.186,"text":"部長我覺得這件事情很重要因為新興家貸款現在已經不管是民間或者是銀行業者或者是房地產業者其實大家都把這個當成一個非常非常重要的火車頭"},{"start":303.306,"end":305.307,"text":"邀請中央銀行、國家發展委員會．加速建設之推動．加速建設之推動．加速建設之推動．"},{"start":318.403,"end":338.66,"text":"呃,我想我們,呃,初步我們是請工股航庫在...一個月可以嗎?一周,呃,我們會逐批的去查,我想一個月我們查出一個月給我們一個初步的報告,如果有,那就要處理。今天我最擔心的是說,今天我們很多人違規了,但是他違規,沒有什麼。"},{"start":339.781,"end":347.746,"text":"他只是重新核代、還掉利息、還點錢,然後有沒有受到任何的影響或處罰。"},{"start":349.551,"end":352.772,"text":"現在彭主委,我們是不是一般人去申請房貸,我們會做廉政中心的信用評分?"},{"start":374.042,"end":391.077,"text":"應該銀行實務裡面他們的自律規範相關應該是有這個也就是說一般的民眾他去銀行借錢曾經有預期或者是相關的還款有問題他都會被記錄所謂的不良信用對吧如果他在連徵裡面有記錄銀行會自行考量是的"},{"start":392.441,"end":411.833,"text":"所以現在部長我想問一下如果有人利用了新清單做了假的比如說他沒有自住他被取消了貸款他會不會列入連徵裡面的信用瑕疵需不需要通報這個部分可能也是財政部必須要把它列入考慮的範圍也就是說在台灣我們"},{"start":413.294,"end":436.728,"text":"拿政府補助如果你騙了政府你要付出相對的代價而且要受到一定的處罰否則當了人頭也無所謂就會有現在這麼多的人頭無所謂的情況部長我的意見我了解委員的意思就是說應該讓他在這個信用的連徵上要有所記錄我們要讓國人知道不誠實是很嚴重的"},{"start":438.098,"end":465.687,"text":"這個部分我們跟金管會一起來討論來做看怎麼樣的一個加注沒錯,如果政府的補助可以隨意的只是單純的取消他無所謂啊下次再去做別的事啊反正他去銀行還是通行無阻今天做了一個新興安撤銷之後他不能再徵請新興安可是他一樣可以繼續做他其他的人頭我的意思是說我們要讓大家知道不要隨便當別人的人頭"},{"start":466.608,"end":468.278,"text":"不要隨便欺騙政府"},{"start":468.697,"end":472.86,"text":"第三個部分就是我想問一下今天討論的是保險所以就麻煩部長請回然後主委"},{"start":500.198,"end":522.055,"text":"臺灣現在我們還是一個地震頻繁的地方然後我們臺灣目前為止在921的時候其實政府、立法院火速修法通過保險法把保險業要求他們要承保住宅的地震險是的這個已經20年了你知道現在的我們國內法屋投保地震的"},{"start":522.435,"end":523.516,"text":"地震險的比例有多少?"},{"start":541.936,"end":559.85,"text":"我每次銀行跟我說你又要續約我看看才幾千塊錢一千多塊其實是相對非常便宜又划算的保險保險業是不是不太想推啊還是因為沒有強迫所以就不推如果只有4成20年主委你覺得你滿意嗎"},{"start":561.271,"end":578.609,"text":"議員議員議員"},{"start":578.809,"end":596.885,"text":"在沒有地震發生之前大家都認為沒必要花那一千多塊幹嘛但是一千多塊可以保障你在地震如果真的受災了像這是花蓮的災區當年921的南投的災區其實很多房子其實求助我們然後政府花了很多後來用捐款"},{"start":597.546,"end":619.773,"text":"候政府的公布預算來補助但是我現在要說的是2018到2022年家庭的貸款增長的速度將近是28%也就是我們家庭會去貸款的速度很快速但是房地的資產增長的速度只有10%也就是說我們借的錢遠比我們房屋增值的金額高所以我認為"},{"start":621.293,"end":643.658,"text":"這個是一個風險管理然後我們看到地震險其實在相關的我們有一個住宅地震險的保險基金它的說法是這是應該是一個政策性的保險主委我只是想知道從四層怎麼繼續往前走怎麼讓國人更願意去投保住宅的地震險把房地產的曝險"},{"start":645.158,"end":669.668,"text":"將來不要又變成政府要來給一大堆錢補助而讓保險能夠去share如果今天保險公司有這麼多的資產它其實是我們最好的避險是的 這個我們其實上一直都責成地震基金持續的做教育訓練那另外一個就是我們也要那個鼓勵大家購買除了強制以為就剛才講的政策的地震險一般的商業的那個地震險"},{"start":670.849,"end":686.93,"text":"這個比率也是比例所以剛剛我主要說主委我們希望它變成政策性它就是一個要大力推廣如果真的不行我覺得有一部分可能將來你要變成政策性的如果一千多塊像我的房子一千多塊我覺得很有保障很高興"},{"start":687.811,"end":688.371,"text":"主席主席主席"},{"start":719.076,"end":725.284,"text":"接著請王世堅、王委員質詢王委員質詢完畢,我們就休息一下"}]}}}}