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385.294, \"score\": 0.0}, {\"word\": \"席\", \"start\": 385.294, \"end\": 385.314, \"score\": 0.0}, {\"word\": \"主\", \"start\": 385.314, \"end\": 385.374, \"score\": 0.666}, {\"word\": \"席\", \"start\": 385.374, \"end\": 385.394, \"score\": 0.0}], \"language\": \"zh\"}","srt":"1\n00:00:06,072 --> 00:00:31,598\n好謝謝主席那我們一樣請人事長請蘇人事長黃委員好欸陳事長好人事長剛剛大家前面兩個委員提到這個連假的問題本期本來沒有要討論但是聽到您剛剛回應我有一些想法想請教當然第一個當然就提到中秋節連假的部分如果當然禮拜三就沒什麼好要求了但如果比如說碰到禮拜二或禮拜四有沒有機會連假\n\n2\n00:00:32,678 --> 00:00:56,059\n剛剛人事長的意思是說這樣會影響到我們金融市場但我想跟人事長說明我想金融市場應該沒那麼脆弱我想美股光是美股一年大概休市大概10天到12天甚至在連假前一天他可能只開半天的這個股票交易日所以如果這個金融市場是考量原因之一的話我想跟人事長報告其實我想分享這個應該不是太大的問題人事長你怎麼看\n\n3\n00:00:57,264 --> 00:01:12,823\n金融市場是我們考量的因素之一因為只要移動這個放假日我們必須要考慮到企業一般民間的還有金融業相關行業我們都一定會考量所以剛才我的\n\n4\n00:01:14,282 --> 00:01:38,712\n答案是很明確的禮拜三的話大概不會去變動如果是落在2跟4我覺得這是可以討論可是我們為什麼還要再去跟相關的人去做一些雖然我們的規定剛改啦規定剛改啦但是如果全民的期待是這樣我覺得很多事情應該要持一種比較開放的態度來\n\n5\n00:01:39,298 --> 00:01:55,487\n董事長你剛剛就是其他的假期問題比如說你剛剛說你要去尊重內政部我們也希望說其他單位也尊重一下我們人事長好不好如果提說你要放讓他這個連一下連起來我覺得其他單位也要尊重一下人事長不能都是你尊重別人啊別人也要尊重一下人事長啊對不對\n\n6\n00:01:57,797 --> 00:02:12,790\n各部會本身我們有一套溝通協調的一個默契的好了沒關係再來今天今天的主題我想問一下到底我們行政院是出推動了這個築潮優利帶的評選方式這個應該是你們的業務吧我們的這個評選方式怎麼評選一開始怎麼評選你們怎麼決定承作的這個銀行\n\n7\n00:02:20,475 --> 00:02:47,338\n我們會找一些專家寫者來就是看每一家銀行他提供的他的一個貸款的條件相關的然後選出幾家像這一次的是台銀跟中信然後在貸款有時候必須要去考量到銀行他基於風險管理有些條件像買比較\n\n8\n00:02:49,259 --> 00:03:13,246\n小的欸那個就是食品左右的他因為他要有一些財務考量而且要考慮到他的因為每一家銀行都有他的這個我了解啦當然有一個風管的我想公務人員頭當他本身他的在銀行在金融業他的條件本身就是相對比較好的啦那今天你們今天竟然推了這個竹巢優利帶他具有的應該是\n\n9\n00:03:14,326 --> 00:03:42,562\n某種程度上是官方有點背書啊因為我們評選出來了嘛評選的出兩家如果今天評選出兩家的條件是長這樣子那如果最後跟這個要去申代的人說啊這評數或什麼條件不符合那不就回到一般的金融市場了嗎那這樣其實你就不用特別評選啦因為一般公務人員講真的你們是公務人員就很清楚如果你們到銀行去申代不管哪一家他今天就算沒有去乘坐你們的這個主草優利貸\n\n10\n00:03:43,422 --> 00:03:43,542\n主席\n\n11\n00:04:10,433 --> 00:04:35,950\n你們的QA裡面官方說法是可以但是官方說法是說可以結果到了承作銀行的時候又找一大堆條件說這個不行甚至在他一開始在承作銀行的這個官網上面就直接講說購買小套房不可以身帶他連評都沒有評但是你們官網可以評所以這就是問題了嘛今天你提出來的這個條件長這樣子結果承作銀行完全不給你面子啊他還沒有尊重你啊他就直接說不行那這怎麼辦\n\n12\n00:04:38,170 --> 00:04:57,565\n我跟委員報告一下,我們會去跟銀行溝通,就是針對這些小坪數的,因為有時候公務人員因為他整個財力負擔的問題,我們會請銀行未來在做這方面的核貸的時候,盡量給予比較寬鬆的。\n\n13\n00:04:58,686 --> 00:05:08,270\n那當然剛才委員提的也有可能是屬於一種個案嘛因為每一個個體他本身的跟銀行往來的record還有他本身相關的\n\n14\n00:05:10,736 --> 00:05:30,935\n動產不動產相關的資料信用的資料事實上當然各一行各樣的瘋狂但是我們今天提到一致性的問題啦因為今天我想這個以15坪為例啦一個公務人員一般的基層公務人員他的薪水不可能隨隨便便買個兩三千萬的房子我想在臺北市也好臺中市也好雙北也好15坪喔隨隨便便就破一千了\n\n15\n00:05:31,576 --> 00:05:59,258\n所以對一般的公教人員來講其實壓力也是很大更何況現在很多單身的如果今天他只能買15坪以上我想這個政策推出來本來是好意但是如果你只能買15坪以上的物件的話某種程度上你等於是用這個方案去鼓勵公務人只能買更大的房子我想這跟這個我們現在要居住正義希望房價能降溫是背道而鎖的立場所以拜託一下我們這個人總處要跟這些承重銀行講如果今天\n\n16\n00:06:00,038 --> 00:06:24,054\n還有設這麼多條件才能承作那其實基本上你就不用推這方案了大家自己去申請就好因為今天他今天能夠放在你們的官網上面某種程度上是所有鼓勵大家去跟他聲帶他可以拿到全台灣最好的這個名單客戶名單你們都是又是客戶啊結果他莫名其妙可以得到這個名單那他要付出相關的成本不能說我跟一般銀行承作條件是一樣的好不好\n\n17\n00:06:25,094 --> 00:06:25,394\n主席主席主席\n\n","tsv":"start\tend\ttext\n6072\t31598\t好 謝謝主席 那我們一樣請人事長 請蘇人事長黃委員好 欸 陳事長好 人事長剛剛大家 前面兩個委員提到這個連假的問題本期本來沒有要討論 但是聽到您剛剛回應 我有一些想法想請教當然第一個當然就提到中秋節連假的部分 如果當然禮拜三就沒什麼好要求了但如果比如說碰到禮拜二或禮拜四 有沒有機會連假\n32678\t56059\t剛剛人事長的意思是說這樣會影響到我們金融市場但我想跟人事長說明我想金融市場應該沒那麼脆弱我想美股光是美股一年大概休市大概10天到12天甚至在連假前一天他可能只開半天的這個股票交易日所以如果這個金融市場是考量原因之一的話我想跟人事長報告其實我想分享這個應該不是太大的問題人事長你怎麼看\n57264\t72823\t金融市場是我們考量的因素之一因為只要移動這個放假日我們必須要考慮到企業一般民間的還有金融業相關行業我們都一定會考量所以剛才我的\n74282\t98712\t答案是很明確的禮拜三的話大概不會去變動如果是落在2跟4我覺得這是可以討論可是我們為什麼還要再去跟相關的人去做一些雖然我們的規定剛改啦規定剛改啦但是如果全民的期待是這樣我覺得很多事情應該要持一種比較開放的態度來\n99298\t115487\t董事長你剛剛就是其他的假期問題比如說你剛剛說你要去尊重內政部我們也希望說其他單位也尊重一下我們人事長好不好如果提說你要放讓他這個連一下連起來我覺得其他單位也要尊重一下人事長不能都是你尊重別人啊別人也要尊重一下人事長啊對不對\n117797\t132790\t各部會本身我們有一套溝通協調的一個默契的好了沒關係再來今天今天的主題我想問一下到底我們行政院是出推動了這個築潮優利帶的評選方式這個應該是你們的業務吧我們的這個評選方式怎麼評選一開始怎麼評選你們怎麼決定承作的這個銀行\n140475\t167338\t我們會找一些專家寫者來就是看每一家銀行他提供的他的一個貸款的條件相關的然後選出幾家像這一次的是台銀跟中信然後在貸款有時候必須要去考量到銀行他基於風險管理有些條件像買比較\n169259\t193246\t小的欸那個就是食品左右的他因為他要有一些財務考量而且要考慮到他的因為每一家銀行都有他的這個我了解啦當然有一個風管的我想公務人員頭當他本身他的在銀行在金融業他的條件本身就是相對比較好的啦那今天你們今天竟然推了這個竹巢優利帶他具有的應該是\n194326\t222562\t某種程度上是官方有點背書啊因為我們評選出來了嘛評選的出兩家如果今天評選出兩家的條件是長這樣子那如果最後跟這個要去申代的人說啊這評數或什麼條件不符合那不就回到一般的金融市場了嗎那這樣其實你就不用特別評選啦因為一般公務人員講真的你們是公務人員就很清楚如果你們到銀行去申代不管哪一家他今天就算沒有去乘坐你們的這個主草優利貸\n223422\t223542\t主席\n250433\t275950\t你們的QA裡面官方說法是可以但是官方說法是說可以結果到了承作銀行的時候又找一大堆條件說這個不行甚至在他一開始在承作銀行的這個官網上面就直接講說購買小套房不可以身帶他連評都沒有評但是你們官網可以評所以這就是問題了嘛今天你提出來的這個條件長這樣子結果承作銀行完全不給你面子啊他還沒有尊重你啊他就直接說不行那這怎麼辦\n278170\t297565\t我跟委員報告一下,我們會去跟銀行溝通,就是針對這些小坪數的,因為有時候公務人員因為他整個財力負擔的問題,我們會請銀行未來在做這方面的核貸的時候,盡量給予比較寬鬆的。\n298686\t308270\t那當然剛才委員提的也有可能是屬於一種個案嘛因為每一個個體他本身的跟銀行往來的record還有他本身相關的\n310736\t330935\t動產不動產相關的資料信用的資料事實上當然各一行各樣的瘋狂但是我們今天提到一致性的問題啦因為今天我想這個以15坪為例啦一個公務人員一般的基層公務人員他的薪水不可能隨隨便便買個兩三千萬的房子我想在臺北市也好臺中市也好雙北也好15坪喔隨隨便便就破一千了\n331576\t359258\t所以對一般的公教人員來講其實壓力也是很大更何況現在很多單身的如果今天他只能買15坪以上我想這個政策推出來本來是好意但是如果你只能買15坪以上的物件的話某種程度上你等於是用這個方案去鼓勵公務人只能買更大的房子我想這跟這個我們現在要居住正義希望房價能降溫是背道而鎖的立場所以拜託一下我們這個人總處要跟這些承重銀行講如果今天\n360038\t384054\t還有設這麼多條件才能承作那其實基本上你就不用推這方案了大家自己去申請就好因為今天他今天能夠放在你們的官網上面某種程度上是所有鼓勵大家去跟他聲帶他可以拿到全台灣最好的這個名單客戶名單你們都是又是客戶啊結果他莫名其妙可以得到這個名單那他要付出相關的成本不能說我跟一般銀行承作條件是一樣的好不好\n385094\t385394\t主席主席主席\n","txt":"好 謝謝主席 那我們一樣請人事長 請蘇人事長黃委員好 欸 陳事長好 人事長剛剛大家 前面兩個委員提到這個連假的問題本期本來沒有要討論 但是聽到您剛剛回應 我有一些想法想請教當然第一個當然就提到中秋節連假的部分 如果當然禮拜三就沒什麼好要求了但如果比如說碰到禮拜二或禮拜四 有沒有機會連假\n剛剛人事長的意思是說這樣會影響到我們金融市場但我想跟人事長說明我想金融市場應該沒那麼脆弱我想美股光是美股一年大概休市大概10天到12天甚至在連假前一天他可能只開半天的這個股票交易日所以如果這個金融市場是考量原因之一的話我想跟人事長報告其實我想分享這個應該不是太大的問題人事長你怎麼看\n金融市場是我們考量的因素之一因為只要移動這個放假日我們必須要考慮到企業一般民間的還有金融業相關行業我們都一定會考量所以剛才我的\n答案是很明確的禮拜三的話大概不會去變動如果是落在2跟4我覺得這是可以討論可是我們為什麼還要再去跟相關的人去做一些雖然我們的規定剛改啦規定剛改啦但是如果全民的期待是這樣我覺得很多事情應該要持一種比較開放的態度來\n董事長你剛剛就是其他的假期問題比如說你剛剛說你要去尊重內政部我們也希望說其他單位也尊重一下我們人事長好不好如果提說你要放讓他這個連一下連起來我覺得其他單位也要尊重一下人事長不能都是你尊重別人啊別人也要尊重一下人事長啊對不對\n各部會本身我們有一套溝通協調的一個默契的好了沒關係再來今天今天的主題我想問一下到底我們行政院是出推動了這個築潮優利帶的評選方式這個應該是你們的業務吧我們的這個評選方式怎麼評選一開始怎麼評選你們怎麼決定承作的這個銀行\n我們會找一些專家寫者來就是看每一家銀行他提供的他的一個貸款的條件相關的然後選出幾家像這一次的是台銀跟中信然後在貸款有時候必須要去考量到銀行他基於風險管理有些條件像買比較\n小的欸那個就是食品左右的他因為他要有一些財務考量而且要考慮到他的因為每一家銀行都有他的這個我了解啦當然有一個風管的我想公務人員頭當他本身他的在銀行在金融業他的條件本身就是相對比較好的啦那今天你們今天竟然推了這個竹巢優利帶他具有的應該是\n某種程度上是官方有點背書啊因為我們評選出來了嘛評選的出兩家如果今天評選出兩家的條件是長這樣子那如果最後跟這個要去申代的人說啊這評數或什麼條件不符合那不就回到一般的金融市場了嗎那這樣其實你就不用特別評選啦因為一般公務人員講真的你們是公務人員就很清楚如果你們到銀行去申代不管哪一家他今天就算沒有去乘坐你們的這個主草優利貸\n主席\n你們的QA裡面官方說法是可以但是官方說法是說可以結果到了承作銀行的時候又找一大堆條件說這個不行甚至在他一開始在承作銀行的這個官網上面就直接講說購買小套房不可以身帶他連評都沒有評但是你們官網可以評所以這就是問題了嘛今天你提出來的這個條件長這樣子結果承作銀行完全不給你面子啊他還沒有尊重你啊他就直接說不行那這怎麼辦\n我跟委員報告一下,我們會去跟銀行溝通,就是針對這些小坪數的,因為有時候公務人員因為他整個財力負擔的問題,我們會請銀行未來在做這方面的核貸的時候,盡量給予比較寬鬆的。\n那當然剛才委員提的也有可能是屬於一種個案嘛因為每一個個體他本身的跟銀行往來的record還有他本身相關的\n動產不動產相關的資料信用的資料事實上當然各一行各樣的瘋狂但是我們今天提到一致性的問題啦因為今天我想這個以15坪為例啦一個公務人員一般的基層公務人員他的薪水不可能隨隨便便買個兩三千萬的房子我想在臺北市也好臺中市也好雙北也好15坪喔隨隨便便就破一千了\n所以對一般的公教人員來講其實壓力也是很大更何況現在很多單身的如果今天他只能買15坪以上我想這個政策推出來本來是好意但是如果你只能買15坪以上的物件的話某種程度上你等於是用這個方案去鼓勵公務人只能買更大的房子我想這跟這個我們現在要居住正義希望房價能降溫是背道而鎖的立場所以拜託一下我們這個人總處要跟這些承重銀行講如果今天\n還有設這麼多條件才能承作那其實基本上你就不用推這方案了大家自己去申請就好因為今天他今天能夠放在你們的官網上面某種程度上是所有鼓勵大家去跟他聲帶他可以拿到全台灣最好的這個名單客戶名單你們都是又是客戶啊結果他莫名其妙可以得到這個名單那他要付出相關的成本不能說我跟一般銀行承作條件是一樣的好不好\n主席主席主席\n","vtt":"WEBVTT\n\n00:06.072 --> 00:31.598\n好謝謝主席那我們一樣請人事長請蘇人事長黃委員好欸陳事長好人事長剛剛大家前面兩個委員提到這個連假的問題本期本來沒有要討論但是聽到您剛剛回應我有一些想法想請教當然第一個當然就提到中秋節連假的部分如果當然禮拜三就沒什麼好要求了但如果比如說碰到禮拜二或禮拜四有沒有機會連假\n\n00:32.678 --> 00:56.059\n剛剛人事長的意思是說這樣會影響到我們金融市場但我想跟人事長說明我想金融市場應該沒那麼脆弱我想美股光是美股一年大概休市大概10天到12天甚至在連假前一天他可能只開半天的這個股票交易日所以如果這個金融市場是考量原因之一的話我想跟人事長報告其實我想分享這個應該不是太大的問題人事長你怎麼看\n\n00:57.264 --> 01:12.823\n金融市場是我們考量的因素之一因為只要移動這個放假日我們必須要考慮到企業一般民間的還有金融業相關行業我們都一定會考量所以剛才我的\n\n01:14.282 --> 01:38.712\n答案是很明確的禮拜三的話大概不會去變動如果是落在2跟4我覺得這是可以討論可是我們為什麼還要再去跟相關的人去做一些雖然我們的規定剛改啦規定剛改啦但是如果全民的期待是這樣我覺得很多事情應該要持一種比較開放的態度來\n\n01:39.298 --> 01:55.487\n董事長你剛剛就是其他的假期問題比如說你剛剛說你要去尊重內政部我們也希望說其他單位也尊重一下我們人事長好不好如果提說你要放讓他這個連一下連起來我覺得其他單位也要尊重一下人事長不能都是你尊重別人啊別人也要尊重一下人事長啊對不對\n\n01:57.797 --> 02:12.790\n各部會本身我們有一套溝通協調的一個默契的好了沒關係再來今天今天的主題我想問一下到底我們行政院是出推動了這個築潮優利帶的評選方式這個應該是你們的業務吧我們的這個評選方式怎麼評選一開始怎麼評選你們怎麼決定承作的這個銀行\n\n02:20.475 --> 02:47.338\n我們會找一些專家寫者來就是看每一家銀行他提供的他的一個貸款的條件相關的然後選出幾家像這一次的是台銀跟中信然後在貸款有時候必須要去考量到銀行他基於風險管理有些條件像買比較\n\n02:49.259 --> 03:13.246\n小的欸那個就是食品左右的他因為他要有一些財務考量而且要考慮到他的因為每一家銀行都有他的這個我了解啦當然有一個風管的我想公務人員頭當他本身他的在銀行在金融業他的條件本身就是相對比較好的啦那今天你們今天竟然推了這個竹巢優利帶他具有的應該是\n\n03:14.326 --> 03:42.562\n某種程度上是官方有點背書啊因為我們評選出來了嘛評選的出兩家如果今天評選出兩家的條件是長這樣子那如果最後跟這個要去申代的人說啊這評數或什麼條件不符合那不就回到一般的金融市場了嗎那這樣其實你就不用特別評選啦因為一般公務人員講真的你們是公務人員就很清楚如果你們到銀行去申代不管哪一家他今天就算沒有去乘坐你們的這個主草優利貸\n\n03:43.422 --> 03:43.542\n主席\n\n04:10.433 --> 04:35.950\n你們的QA裡面官方說法是可以但是官方說法是說可以結果到了承作銀行的時候又找一大堆條件說這個不行甚至在他一開始在承作銀行的這個官網上面就直接講說購買小套房不可以身帶他連評都沒有評但是你們官網可以評所以這就是問題了嘛今天你提出來的這個條件長這樣子結果承作銀行完全不給你面子啊他還沒有尊重你啊他就直接說不行那這怎麼辦\n\n04:38.170 --> 04:57.565\n我跟委員報告一下,我們會去跟銀行溝通,就是針對這些小坪數的,因為有時候公務人員因為他整個財力負擔的問題,我們會請銀行未來在做這方面的核貸的時候,盡量給予比較寬鬆的。\n\n04:58.686 --> 05:08.270\n那當然剛才委員提的也有可能是屬於一種個案嘛因為每一個個體他本身的跟銀行往來的record還有他本身相關的\n\n05:10.736 --> 05:30.935\n動產不動產相關的資料信用的資料事實上當然各一行各樣的瘋狂但是我們今天提到一致性的問題啦因為今天我想這個以15坪為例啦一個公務人員一般的基層公務人員他的薪水不可能隨隨便便買個兩三千萬的房子我想在臺北市也好臺中市也好雙北也好15坪喔隨隨便便就破一千了\n\n05:31.576 --> 05:59.258\n所以對一般的公教人員來講其實壓力也是很大更何況現在很多單身的如果今天他只能買15坪以上我想這個政策推出來本來是好意但是如果你只能買15坪以上的物件的話某種程度上你等於是用這個方案去鼓勵公務人只能買更大的房子我想這跟這個我們現在要居住正義希望房價能降溫是背道而鎖的立場所以拜託一下我們這個人總處要跟這些承重銀行講如果今天\n\n06:00.038 --> 06:24.054\n還有設這麼多條件才能承作那其實基本上你就不用推這方案了大家自己去申請就好因為今天他今天能夠放在你們的官網上面某種程度上是所有鼓勵大家去跟他聲帶他可以拿到全台灣最好的這個名單客戶名單你們都是又是客戶啊結果他莫名其妙可以得到這個名單那他要付出相關的成本不能說我跟一般銀行承作條件是一樣的好不好\n\n06:25.094 --> 06:25.394\n主席主席主席\n\n","segments":[{"start":6.072,"end":31.598,"text":"好 謝謝主席 那我們一樣請人事長 請蘇人事長黃委員好 欸 陳事長好 人事長剛剛大家 前面兩個委員提到這個連假的問題本期本來沒有要討論 但是聽到您剛剛回應 我有一些想法想請教當然第一個當然就提到中秋節連假的部分 如果當然禮拜三就沒什麼好要求了但如果比如說碰到禮拜二或禮拜四 有沒有機會連假"},{"start":32.678,"end":56.059,"text":"剛剛人事長的意思是說這樣會影響到我們金融市場但我想跟人事長說明我想金融市場應該沒那麼脆弱我想美股光是美股一年大概休市大概10天到12天甚至在連假前一天他可能只開半天的這個股票交易日所以如果這個金融市場是考量原因之一的話我想跟人事長報告其實我想分享這個應該不是太大的問題人事長你怎麼看"},{"start":57.264,"end":72.823,"text":"金融市場是我們考量的因素之一因為只要移動這個放假日我們必須要考慮到企業一般民間的還有金融業相關行業我們都一定會考量所以剛才我的"},{"start":74.282,"end":98.712,"text":"答案是很明確的禮拜三的話大概不會去變動如果是落在2跟4我覺得這是可以討論可是我們為什麼還要再去跟相關的人去做一些雖然我們的規定剛改啦規定剛改啦但是如果全民的期待是這樣我覺得很多事情應該要持一種比較開放的態度來"},{"start":99.298,"end":115.487,"text":"董事長你剛剛就是其他的假期問題比如說你剛剛說你要去尊重內政部我們也希望說其他單位也尊重一下我們人事長好不好如果提說你要放讓他這個連一下連起來我覺得其他單位也要尊重一下人事長不能都是你尊重別人啊別人也要尊重一下人事長啊對不對"},{"start":117.797,"end":132.79,"text":"各部會本身我們有一套溝通協調的一個默契的好了沒關係再來今天今天的主題我想問一下到底我們行政院是出推動了這個築潮優利帶的評選方式這個應該是你們的業務吧我們的這個評選方式怎麼評選一開始怎麼評選你們怎麼決定承作的這個銀行"},{"start":140.475,"end":167.338,"text":"我們會找一些專家寫者來就是看每一家銀行他提供的他的一個貸款的條件相關的然後選出幾家像這一次的是台銀跟中信然後在貸款有時候必須要去考量到銀行他基於風險管理有些條件像買比較"},{"start":169.259,"end":193.246,"text":"小的欸那個就是食品左右的他因為他要有一些財務考量而且要考慮到他的因為每一家銀行都有他的這個我了解啦當然有一個風管的我想公務人員頭當他本身他的在銀行在金融業他的條件本身就是相對比較好的啦那今天你們今天竟然推了這個竹巢優利帶他具有的應該是"},{"start":194.326,"end":222.562,"text":"某種程度上是官方有點背書啊因為我們評選出來了嘛評選的出兩家如果今天評選出兩家的條件是長這樣子那如果最後跟這個要去申代的人說啊這評數或什麼條件不符合那不就回到一般的金融市場了嗎那這樣其實你就不用特別評選啦因為一般公務人員講真的你們是公務人員就很清楚如果你們到銀行去申代不管哪一家他今天就算沒有去乘坐你們的這個主草優利貸"},{"start":223.422,"end":223.542,"text":"主席"},{"start":250.433,"end":275.95,"text":"你們的QA裡面官方說法是可以但是官方說法是說可以結果到了承作銀行的時候又找一大堆條件說這個不行甚至在他一開始在承作銀行的這個官網上面就直接講說購買小套房不可以身帶他連評都沒有評但是你們官網可以評所以這就是問題了嘛今天你提出來的這個條件長這樣子結果承作銀行完全不給你面子啊他還沒有尊重你啊他就直接說不行那這怎麼辦"},{"start":278.17,"end":297.565,"text":"我跟委員報告一下,我們會去跟銀行溝通,就是針對這些小坪數的,因為有時候公務人員因為他整個財力負擔的問題,我們會請銀行未來在做這方面的核貸的時候,盡量給予比較寬鬆的。"},{"start":298.686,"end":308.27,"text":"那當然剛才委員提的也有可能是屬於一種個案嘛因為每一個個體他本身的跟銀行往來的record還有他本身相關的"},{"start":310.736,"end":330.935,"text":"動產不動產相關的資料信用的資料事實上當然各一行各樣的瘋狂但是我們今天提到一致性的問題啦因為今天我想這個以15坪為例啦一個公務人員一般的基層公務人員他的薪水不可能隨隨便便買個兩三千萬的房子我想在臺北市也好臺中市也好雙北也好15坪喔隨隨便便就破一千了"},{"start":331.576,"end":359.258,"text":"所以對一般的公教人員來講其實壓力也是很大更何況現在很多單身的如果今天他只能買15坪以上我想這個政策推出來本來是好意但是如果你只能買15坪以上的物件的話某種程度上你等於是用這個方案去鼓勵公務人只能買更大的房子我想這跟這個我們現在要居住正義希望房價能降溫是背道而鎖的立場所以拜託一下我們這個人總處要跟這些承重銀行講如果今天"},{"start":360.038,"end":384.054,"text":"還有設這麼多條件才能承作那其實基本上你就不用推這方案了大家自己去申請就好因為今天他今天能夠放在你們的官網上面某種程度上是所有鼓勵大家去跟他聲帶他可以拿到全台灣最好的這個名單客戶名單你們都是又是客戶啊結果他莫名其妙可以得到這個名單那他要付出相關的成本不能說我跟一般銀行承作條件是一樣的好不好"},{"start":385.094,"end":385.394,"text":"主席主席主席"}]}}},"meet":{"sessionPeriod":2,"sessionTimes":2,"tmpMeeting":null,"committees":[36],"term":11,"id":"委員會-11-2-36-2","title":"第11屆第2會期司法及法制委員會第2次全體委員會議","type":"委員會"},"會議時間":"2024-09-30T09:00:00+08:00","委員發言時間":"12:00:56 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12:07:33","會議名稱":"立法院第11屆第2會期司法及法制委員會第2次全體委員會議（事由：邀請行政院人事行政總處人事長列席報告業務概況，並備質詢。）","id":155009,"gazette":{"lineno":848,"blocks":[["黃委員健豪：（12時1分）好，謝謝主席。我們一樣請人事長。"],["主席：請蘇人事長。"],["蘇人事長俊榮：黃委員好。"],["黃委員健豪：人事長好。人事長，剛剛前面兩個委員都提到連假的問題，本席本來沒有要討論，但是聽到您剛剛的回應，我有一些想法想請教。第一個當然就提到中秋節連假的部分，如果禮拜三就沒什麼好要求了，但如果放禮拜二或禮拜四，有沒有機會連假？剛剛人事長的意思是說這樣會影響到我們的金融市場，但我想跟人事長說明，金融市場應該沒那麼脆弱，光是美股一年休市大概10天到12天，甚至在連假前一天，它可能只開半天的股票交易日，所以如果金融市場是考量原因之一的話，我要跟人事長報告，其實我想分享一下，這個應該不是太大的問題。人事長，你怎麼看？"],["蘇人事長俊榮：金融市場是我們考量的因素之一，因為只要移動放假日，我們必須要考慮到企業及一般民間，還有金融業相關行業，我們都一併會考量，所以剛才我的答案是很明確的，禮拜三的話大概不會去變動。"],["黃委員健豪：對。"],["蘇人事長俊榮：如果是在落在二跟四，我覺得這是可以討論，可是我們為什麼還要再去跟相關的人去做一些……雖然我們的規定剛改，但是如果全民的期待是這樣，我覺得很多事情應該要持一種比較開放的態度。"],["黃委員健豪：人事長，有關其他的假期問題，剛剛你說你要尊重內政部，我們也希望其他單位也尊重一下我們人事長，好不好？如果有提出說你要讓這個連假連起來，我覺得其他單位也要尊重一下人事長，不能都是你尊重別人，別人也要尊重一下人事長啊，對不對？"],["蘇人事長俊榮：各部會本身我們有一套溝通協調的默契啦！"],["黃委員健豪：好啦，沒關係。再來，針對今天的主題，我想問一下，行政院推動的這個「築巢優利貸」評選方式，這應該是你們的業務吧？"],["蘇人事長俊榮：我們的，對。"],["黃委員健豪：這個評選方式一開始是怎麼評選？你們怎麼決定承作的銀行？"],["蘇人事長俊榮：我們會找一些專家學者來看每一家銀行提供的貸款相關條件，然後選出幾家，像這一次是臺銀跟中信銀。因為貸款有時候必須考量到銀行基於風險管理，必須要有一些條件，譬如買比較小的房子，例如10坪左右的，他要有一些財務考量，而且要考慮到他的……因為每一家銀行都有它的……"],["黃委員健豪：沒關係，這我了解啦！當然……"],["蘇人事長俊榮：它有一個風管的機制啦！"],["黃委員健豪：我想公務人員在銀行、金融業，他的條件本身相對是比較好的，今天既然你們推出這個「築巢優利貸」，某種程度上是具有官方的背書，因為你們評選出來了嘛！評選出兩家，結果今天評選出來的兩家條件是長這樣子，最後跟要去申貸的人說坪數或什麼條件不符合，那不就回到一般的金融市場了嗎？這樣其實就不需要特別評選啦！說真的，一般公務人員，我想你自己也很清楚，如果你們到銀行申貸，就算是沒有承作你們的這個「築巢優利貸」，不管到哪一家，理論上，從金融市場的角度來講，拿到的條件本來就會比較好，然後你今天特別booking、表定出兩家能夠承作這些優利貸的銀行，剛剛人事長還提到說幾坪以下可能不承作，但是在你們自己的官網問答裡面，特別提到購買小套房可不可以申辦？你們QA裡面的官方說法是可以；官方說法是可以，結果到了承作銀行之後，又找了一大堆條件說這個不行，甚至一開始承作銀行的官網上就直接說購買小套房不可以申貸，連評都沒有評，但你們的官網又說可以評，這就是問題了嘛！今天你提出來的條件長這樣子，結果承作銀行完全不給你面子，他沒有尊重你，直接說不行，怎麼辦？"],["蘇人事長俊榮：我跟委員報告，我們會去跟銀行溝通，針對這些小坪數的，因為有時候針對公務人員整個財力負擔問題，我們也會請銀行未來在做這方面核貸的時候，儘量給予比較寬鬆的待遇，當然，剛才委員提的也有可能屬於一種個案，因為每一個個體本身跟銀行往來的record，包括他本身動產、不動產相關資料、信用資料，事實上……"],["黃委員健豪：當然，各銀行有各銀行的風控，但是我們今天提的是一致性的問題，我想以15坪為例，一般基層公務人員的薪水不可能隨隨便便就買個兩、三千萬的房子，我想在臺北市也好、臺中市也好、雙北也好，15坪的房子隨隨便便就破一千萬了，這對一般公教人員來講，其實壓力也很大，更何況現在有很多是單身的，我想這個政策推出來本來是好意，但如果現在你讓他只能買15坪以上的物件，某種程度上，等於是用這個方案鼓勵公務人員只能買更大的房子，我想這跟我們要求的居住正義、希望房價降溫的立場是背道而馳的，所以拜託人總處要跟這些承作的銀行講，如果今天還設有這麼多條件才能承作，那其實就不用推這個方案了，大家自己去申請就好。今天它能夠放在你們的官網上，某種程度上是鼓勵大家去申貸，銀行可以拿到全臺灣最好的客戶名單，你們都是優質客戶啊！銀行莫名其妙得到這些名單，那它也要付出相關成本，不能說就跟一般銀行承作條件一樣，好不好？"],["蘇人事長俊榮：好，我們會特別再去提醒這兩家銀行，不要用這個當排除條件。"],["黃委員健豪：好，謝謝，謝謝人事長。"],["主席：好，謝謝黃委員，謝謝蘇人事長。","接下來有請張嘉郡委員。張嘉郡、張嘉郡委員不在。","有請陳委員培瑜質詢。"]],"agenda":{"page_end":334,"meet_id":"委員會-11-2-36-2","speakers":["鍾佳濱","黃國昌","羅智強","林思銘","莊瑞雄","沈發惠","傅崐萁","翁曉玲","吳思瑤","陳俊宇","吳宗憲","鄭天財Sra Kacaw","賴士葆","楊瓊瓔","黃健豪","陳培瑜","洪孟楷","謝龍介","伍麗華Saidhai‧Tahovecahe"],"page_start":277,"meetingDate":["2024-09-30"],"gazette_id":"1137801","agenda_lcidc_ids":["1137801_00010"],"meet_name":"立法院第11屆第2會期司法及法制委員會第2次全體委員會議紀錄","content":"邀請行政院人事行政總處人事長列席報告業務概況，並備質詢","agenda_id":"1137801_00011"}}}