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{\"word\": \"入\", \"start\": 506.726, \"end\": 507.026, \"score\": 0.896}, {\"word\": \"預\"}, {\"word\": \"算\", \"start\": 507.026, \"end\": 507.627, \"score\": 1.0}, {\"word\": \"均\", \"start\": 507.627, \"end\": 508.187, \"score\": 0.997}, {\"word\": \"編\"}, {\"word\": \"列\", \"start\": 508.187, \"end\": 508.207, \"score\": 0.003}, {\"word\": \"1\"}, {\"word\": \"3\"}, {\"word\": \"3\"}, {\"word\": \"0\"}, {\"word\": \"億\"}]}, {\"start\": 510.569, \"end\": 530.948, \"text\": \"比112年的決算數11348.8億還要低這個不合理疫情過後的經濟復甦還有黃金價格持續上升但是你們這個編列的銷售收入卻更低我認為台語是低估自己的實力還是什麼原因你可不可以說明一下\", \"words\": [{\"word\": \"比\", \"start\": 510.569, \"end\": 511.15, \"score\": 0.888}, {\"word\": \"1\"}, {\"word\": \"1\"}, {\"word\": \"2\"}, {\"word\": \"年\", \"start\": 511.15, \"end\": 511.93, \"score\": 0.998}, {\"word\": \"的\", \"start\": 511.93, \"end\": 512.231, \"score\": 0.92}, {\"word\": \"決\"}, {\"word\": \"算\", \"start\": 512.231, \"end\": 514.653, \"score\": 0.923}, {\"word\": \"數\"}, {\"word\": \"1\"}, 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\"start\": 530.928, \"end\": 530.948, \"score\": 0.108}]}, {\"start\": 531.508, \"end\": 546.745, \"text\": \"跟委員報告其實我們預算的編列大概是一年半前就編列就是112年就編了那當時的那個金價其實在金價在過去幾年當中其實都是相當的平穩那它有大幅的上漲實際上是在今年大概就是這一年之間這一年之間大概是漲了35%\", \"words\": [{\"word\": \"跟\", \"start\": 531.508, \"end\": 531.648, \"score\": 0.825}, {\"word\": \"委\", \"start\": 531.648, \"end\": 532.109, \"score\": 0.863}, {\"word\": \"員\"}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 532.109, \"end\": 532.369, \"score\": 0.949}, {\"word\": \"其\", \"start\": 532.369, \"end\": 532.609, \"score\": 0.881}, {\"word\": \"實\"}, {\"word\": \"我\", \"start\": 532.609, \"end\": 532.93, \"score\": 0.833}, {\"word\": \"們\"}, {\"word\": \"預\"}, {\"word\": \"算\", \"start\": 532.93, \"end\": 533.11, \"score\": 0.731}, {\"word\": \"的\", \"start\": 533.11, \"end\": 533.39, \"score\": 0.803}, {\"word\": \"編\"}, {\"word\": \"列\", \"start\": 533.39, \"end\": 533.53, \"score\": 0.814}, {\"word\": \"大\", \"start\": 533.53, \"end\": 533.55, \"score\": 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\"end\": 599.08, \"score\": 0.931}, {\"word\": \"請\"}, {\"word\": \"李\", \"start\": 599.08, \"end\": 599.32, \"score\": 0.994}, {\"word\": \"昆\", \"start\": 599.32, \"end\": 599.54, \"score\": 0.995}, {\"word\": \"城\", \"start\": 599.54, \"end\": 599.721, \"score\": 0.888}, {\"word\": \"委\", \"start\": 599.721, \"end\": 599.861, \"score\": 0.896}, {\"word\": \"員\"}, {\"word\": \"發\"}, {\"word\": \"言\", \"start\": 599.861, \"end\": 599.881, \"score\": 0.905}], \"language\": \"zh\"}","srt":"1\n00:00:00,410 --> 00:00:00,651\n財政部莊部長\n\n2\n00:00:09,217 --> 00:00:21,929\n委員早部長早財政部本月11日公布全國總稅收新台幣3兆5713億創同期新高年增8.6%高出全年預算目標3377億同時退稅總金額10億0846萬其中中手稅分成3批退稅第3批退稅是在2025年1月20日\n\n3\n00:00:36,101 --> 00:00:52,423\n那符合條件的有超過8萬件部長要不要跟國委員說明一下也鼓勵民眾利用直播退稅避免被冒領遺失的風險同時也可以節省這個辦理的時間那一定要在農曆年前來完成退稅讓民眾可以好過呢部長可不可以\n\n4\n00:00:55,954 --> 00:01:01,606\n謝謝委員對這個議題的一個說明我想這個退稅涉及到食物左右是不是可以請複稅署長來做說明解密說明因為時間有限\n\n5\n00:01:06,124 --> 00:01:30,701\n不過委員吼那委員非常關心民眾的退稅權吼那我們這第三批主要是針對原來申報它並不是退稅案件是後來我們根據我們收集的課稅資料才去核定拿退稅那這個退稅就會變成第三批那這第三批大概有9約9萬件左右經有大概10億元那我們一定會如期去退那也謝謝委員幫我們宣導說希望大家都能擠破退稅那絕對拿得到\n\n6\n00:01:31,482 --> 00:01:59,460\n那付費署跟財政部這邊就配合就是盡量在過年前完成這個手續好不好那我再請教部長我們要審酌的這個《菸酒稅法》、《使用牌照稅法》、《土地稅法》這三項修正草案主要核心是賦予主管機關更大的裁量空間那依據個案的實際情況去調整裁法的方式跟力度那我認為這樣的修法是為了要讓法律的適用更具彈性也是在追求公平與正義的過程當中\n\n7\n00:02:00,160 --> 00:02:28,360\n能更貼近比例原則的精神財法的本質是以教育與改善為目標並不是單純說要處罰的目的所以賦予主管機關適當的財良權避免一刀切的懲處方式可以減少對民眾可能造成的過度負擔同時也可以提升整體法律執行的效率跟公信力比如說使用牌照稅\n\n8\n00:02:29,423 --> 00:02:31,856\n來作比例,現行法規都是以\n\n9\n00:02:33,625 --> 00:03:01,073\n因納稅額的一倍的罰款但是因為現在社會的進步還有快速發展交通工具種類日益增多還有稅務情況的複雜化過去固定倍數罰款的方式我想已經難以對現行交通需求還有現代稅務管理的多樣性來做一個這樣子的配合所以現實面民眾若\n\n10\n00:03:02,453 --> 00:03:17,473\n僅因一時未領取臨時牌照或者是未及時辦理車牌登記又或者是在新購交通工具沒有完成領牌手續相對輕微的情形就被\n\n11\n00:03:18,314 --> 00:03:40,436\n依法刻以固定金額的罰款這樣的處罰方式似乎不符合比例原則也會造成民眾不必要的經濟負擔這是不合時宜的所以這次修法我認為是有必要給予主管機關一定的裁量權同時也能夠因應個案的實際狀況避免這種僵化的規定導致過度的處罰\n\n12\n00:03:41,657 --> 00:03:52,085\n讓法律能夠更具彈性跟人性化這樣的改變讓財法能夠更貼近比例原則那這個部分最主要就是減少民眾不必要的負擔請部長說明\n\n13\n00:03:54,532 --> 00:04:05,195\n謝謝委員,委員對於這一次我們提這樣的一個修法案其實我們的立法意旨也是在這裡也就是說不是一刀切而是可以讓基政機關看納稅義務人員他的違規的情節的一個輕重給予一個彈性的處理而這樣子的話才能夠維護租稅的公平同時也能夠兼顧到納稅者的權益我想謝謝委員對這方面的一個支持那我們也希望這個能夠支持我們的院版本\n\n14\n00:04:20,200 --> 00:04:35,879\n我們未來也會訂一個參考標準表,讓基金機關也可以有所遵循好,謝謝部長還有署長,謝謝,請回再來主席有請台銀林董事長好,台銀林董事長\n\n15\n00:04:43,693 --> 00:05:09,284\n委員好董事長早董事長這個金管會從108年起推出財管2.0方案那開放銀行申請辦理一元就是超過1億以上的這種高端的理財業務到11309月抵止包括第一銀、合庫、兆豐等12家銀行還有8家券商都獲准辦理獲准辦理財管2.0的這樣的專案那累積的客戶數已經達到\n\n16\n00:05:13,446 --> 00:05:26,703\n一萬零五百人以上管理資產總規模高達1.27兆高端客製化財富管理業務市場潛力非常大大部分銀行都搶食這塊大餅\n\n17\n00:05:29,486 --> 00:05:46,227\n但是臺銀到今天都還沒有取得這種承辦業務的資格那為什麼沒有取得?所以我很納悶說經管會推出的這種財管方案已經快5年但是臺銀卻沒有取得這樣的資格可不可以請董事長說明\n\n18\n00:05:47,489 --> 00:06:12,896\n謝謝委員指教其實這一塊的業務呢我們未來會列為我們一個非常重要的發展的一個重點那因為過去呢台銀本身呢對財富管理的業務呢它的重視程度比較低那當然也不是說我們沒有做只是說相對其他公股行庫呢其實這個又回到我們這個待遇的一些問題福利的問題啦就其他公股行庫對於這個財富管理的一些產品的一些銷售呢它都會有一些激勵的一些辦法\n\n19\n00:06:14,357 --> 00:06:27,246\n臺灣銀行受限國營失業,所以所有的獎金、福利各方面實際上都是沒有彈性的,這是其中一個原因。當然我們不會因為沒有獎金就沒有去做這樣的業務,明年一定會積極去施行。\n\n20\n00:06:31,269 --> 00:06:34,731\n委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查\n\n21\n00:06:54,001 --> 00:06:54,641\n委員吳琪銘等16人提案如經院會復議\n\n22\n00:07:07,990 --> 00:07:22,579\n你如果能夠早一天取得資格,這個會有更大的競爭力,晚一天力量就落後了,對不對?好不好?再請教董事長,台銀114年度編列銷售收入1330億,跟113年度算是一樣的\n\n23\n00:07:27,603 --> 00:07:32,748\n但佔營業收入比重是43%,主要是銷售黃金貴金屬業務並且主要凱穎繼續推出貴金屬業務根據市場需求不斷的\n\n24\n00:07:42,159 --> 00:07:45,641\n委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查\n\n25\n00:08:03,949 --> 00:08:28,207\n尤其是在不確定的經濟環境之下作為避險資產這個黃金就越加的凸顯但是市場表現強勁從預算中心製作的圖表台銀114年度的預算數字卻低於112年度的決算數實際市場狀況跟預期的增長不符合113年、114年度的銷售收入預算均編列1330億\n\n26\n00:08:30,569 --> 00:08:50,948\n比112年的決算數11348.8億還要低這個不合理疫情過後的經濟復甦還有黃金價格持續上升但是你們這個編列的銷售收入卻更低我認為台語是低估自己的實力還是什麼原因你可不可以說明一下\n\n27\n00:08:51,508 --> 00:09:06,745\n跟委員報告其實我們預算的編列大概是一年半前就編列就是112年就編了那當時的那個金價其實在金價在過去幾年當中其實都是相當的平穩那它有大幅的上漲實際上是在今年大概就是這一年之間這一年之間大概是漲了35%\n\n28\n00:09:09,668 --> 00:09:29,069\n所以我們在編列預算的時候當時是沒有預期到這個金價會有這麼大幅的波動那現在來看的話當然金價目前金價是處於一個相對的高檔但是未來是不是還可以持續這個高檔其實這個國際局勢的變化非常大我們還是要持續的觀察所以我們編列的預算就是一個持平的預算好董事長\n\n29\n00:09:29,890 --> 00:09:52,452\n再次的叮嚀台銀不要低估自己的能力是那調整這個收入預算更好的反應當前的市場環境還有未來的發展潛力那對自己的實力要更多信心更努力那合理預測未來銷售收入並做好最充分的準備好了好的謝謝委員指教謝謝\n\n30\n00:09:56,857 --> 00:09:59,881\n好,謝謝寬恆委員。接著請李昆城委員發言\n\n","tsv":"start\tend\ttext\n410\t651\t財政部莊部長\n9217\t21929\t委員早部長早財政部本月11日公布全國總稅收新台幣3兆5713億創同期新高年增8.6%高出全年預算目標3377億同時退稅總金額10億0846萬其中中手稅分成3批退稅第3批退稅是在2025年1月20日\n36101\t52423\t那符合條件的有超過8萬件部長要不要跟國委員說明一下也鼓勵民眾利用直播退稅避免被冒領遺失的風險同時也可以節省這個辦理的時間那一定要在農曆年前來完成退稅讓民眾可以好過呢部長可不可以\n55954\t61606\t謝謝委員對這個議題的一個說明我想這個退稅涉及到食物左右是不是可以請複稅署長來做說明解密說明因為時間有限\n66124\t90701\t不過委員吼那委員非常關心民眾的退稅權吼那我們這第三批主要是針對原來申報它並不是退稅案件是後來我們根據我們收集的課稅資料才去核定拿退稅那這個退稅就會變成第三批那這第三批大概有9約9萬件左右經有大概10億元那我們一定會如期去退那也謝謝委員幫我們宣導說希望大家都能擠破退稅那絕對拿得到\n91482\t119460\t那付費署跟財政部這邊就配合就是盡量在過年前完成這個手續好不好那我再請教部長我們要審酌的這個《菸酒稅法》、《使用牌照稅法》、《土地稅法》這三項修正草案主要核心是賦予主管機關更大的裁量空間那依據個案的實際情況去調整裁法的方式跟力度那我認為這樣的修法是為了要讓法律的適用更具彈性也是在追求公平與正義的過程當中\n120160\t148360\t能更貼近比例原則的精神財法的本質是以教育與改善為目標並不是單純說要處罰的目的所以賦予主管機關適當的財良權避免一刀切的懲處方式可以減少對民眾可能造成的過度負擔同時也可以提升整體法律執行的效率跟公信力比如說使用牌照稅\n149423\t151856\t來作比例,現行法規都是以\n153625\t181073\t因納稅額的一倍的罰款但是因為現在社會的進步還有快速發展交通工具種類日益增多還有稅務情況的複雜化過去固定倍數罰款的方式我想已經難以對現行交通需求還有現代稅務管理的多樣性來做一個這樣子的配合所以現實面民眾若\n182453\t197473\t僅因一時未領取臨時牌照或者是未及時辦理車牌登記又或者是在新購交通工具沒有完成領牌手續相對輕微的情形就被\n198314\t220436\t依法刻以固定金額的罰款這樣的處罰方式似乎不符合比例原則也會造成民眾不必要的經濟負擔這是不合時宜的所以這次修法我認為是有必要給予主管機關一定的裁量權同時也能夠因應個案的實際狀況避免這種僵化的規定導致過度的處罰\n221657\t232085\t讓法律能夠更具彈性跟人性化這樣的改變讓財法能夠更貼近比例原則那這個部分最主要就是減少民眾不必要的負擔請部長說明\n234532\t245195\t謝謝委員,委員對於這一次我們提這樣的一個修法案其實我們的立法意旨也是在這裡也就是說不是一刀切而是可以讓基政機關看納稅義務人員他的違規的情節的一個輕重給予一個彈性的處理而這樣子的話才能夠維護租稅的公平同時也能夠兼顧到納稅者的權益我想謝謝委員對這方面的一個支持那我們也希望這個能夠支持我們的院版本\n260200\t275879\t我們未來也會訂一個參考標準表,讓基金機關也可以有所遵循好,謝謝部長還有署長,謝謝,請回再來主席有請台銀林董事長好,台銀林董事長\n283693\t309284\t委員好董事長早董事長這個金管會從108年起推出財管2.0方案那開放銀行申請辦理一元就是超過1億以上的這種高端的理財業務到11309月抵止包括第一銀、合庫、兆豐等12家銀行還有8家券商都獲准辦理獲准辦理財管2.0的這樣的專案那累積的客戶數已經達到\n313446\t326703\t一萬零五百人以上管理資產總規模高達1.27兆高端客製化財富管理業務市場潛力非常大大部分銀行都搶食這塊大餅\n329486\t346227\t但是臺銀到今天都還沒有取得這種承辦業務的資格那為什麼沒有取得?所以我很納悶說經管會推出的這種財管方案已經快5年但是臺銀卻沒有取得這樣的資格可不可以請董事長說明\n347489\t372896\t謝謝委員指教其實這一塊的業務呢我們未來會列為我們一個非常重要的發展的一個重點那因為過去呢台銀本身呢對財富管理的業務呢它的重視程度比較低那當然也不是說我們沒有做只是說相對其他公股行庫呢其實這個又回到我們這個待遇的一些問題福利的問題啦就其他公股行庫對於這個財富管理的一些產品的一些銷售呢它都會有一些激勵的一些辦法\n374357\t387246\t臺灣銀行受限國營失業,所以所有的獎金、福利各方面實際上都是沒有彈性的,這是其中一個原因。當然我們不會因為沒有獎金就沒有去做這樣的業務,明年一定會積極去施行。\n391269\t394731\t委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查\n414001\t414641\t委員吳琪銘等16人提案如經院會復議\n427990\t442579\t你如果能夠早一天取得資格,這個會有更大的競爭力,晚一天力量就落後了,對不對?好不好?再請教董事長,台銀114年度編列銷售收入1330億,跟113年度算是一樣的\n447603\t452748\t但佔營業收入比重是43%,主要是銷售黃金貴金屬業務並且主要凱穎繼續推出貴金屬業務根據市場需求不斷的\n462159\t465641\t委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查\n483949\t508207\t尤其是在不確定的經濟環境之下作為避險資產這個黃金就越加的凸顯但是市場表現強勁從預算中心製作的圖表台銀114年度的預算數字卻低於112年度的決算數實際市場狀況跟預期的增長不符合113年、114年度的銷售收入預算均編列1330億\n510569\t530948\t比112年的決算數11348.8億還要低這個不合理疫情過後的經濟復甦還有黃金價格持續上升但是你們這個編列的銷售收入卻更低我認為台語是低估自己的實力還是什麼原因你可不可以說明一下\n531508\t546745\t跟委員報告其實我們預算的編列大概是一年半前就編列就是112年就編了那當時的那個金價其實在金價在過去幾年當中其實都是相當的平穩那它有大幅的上漲實際上是在今年大概就是這一年之間這一年之間大概是漲了35%\n549668\t569069\t所以我們在編列預算的時候當時是沒有預期到這個金價會有這麼大幅的波動那現在來看的話當然金價目前金價是處於一個相對的高檔但是未來是不是還可以持續這個高檔其實這個國際局勢的變化非常大我們還是要持續的觀察所以我們編列的預算就是一個持平的預算好 董事長\n569890\t592452\t再次的叮嚀台銀不要低估自己的能力是那調整這個收入預算更好的反應當前的市場環境還有未來的發展潛力那對自己的實力要更多信心更努力那合理預測未來銷售收入並做好最充分的準備好了好的謝謝委員指教謝謝\n596857\t599881\t好,謝謝寬恆委員。接著請李昆城委員發言\n","txt":"財政部莊部長\n委員早部長早財政部本月11日公布全國總稅收新台幣3兆5713億創同期新高年增8.6%高出全年預算目標3377億同時退稅總金額10億0846萬其中中手稅分成3批退稅第3批退稅是在2025年1月20日\n那符合條件的有超過8萬件部長要不要跟國委員說明一下也鼓勵民眾利用直播退稅避免被冒領遺失的風險同時也可以節省這個辦理的時間那一定要在農曆年前來完成退稅讓民眾可以好過呢部長可不可以\n謝謝委員對這個議題的一個說明我想這個退稅涉及到食物左右是不是可以請複稅署長來做說明解密說明因為時間有限\n不過委員吼那委員非常關心民眾的退稅權吼那我們這第三批主要是針對原來申報它並不是退稅案件是後來我們根據我們收集的課稅資料才去核定拿退稅那這個退稅就會變成第三批那這第三批大概有9約9萬件左右經有大概10億元那我們一定會如期去退那也謝謝委員幫我們宣導說希望大家都能擠破退稅那絕對拿得到\n那付費署跟財政部這邊就配合就是盡量在過年前完成這個手續好不好那我再請教部長我們要審酌的這個《菸酒稅法》、《使用牌照稅法》、《土地稅法》這三項修正草案主要核心是賦予主管機關更大的裁量空間那依據個案的實際情況去調整裁法的方式跟力度那我認為這樣的修法是為了要讓法律的適用更具彈性也是在追求公平與正義的過程當中\n能更貼近比例原則的精神財法的本質是以教育與改善為目標並不是單純說要處罰的目的所以賦予主管機關適當的財良權避免一刀切的懲處方式可以減少對民眾可能造成的過度負擔同時也可以提升整體法律執行的效率跟公信力比如說使用牌照稅\n來作比例,現行法規都是以\n因納稅額的一倍的罰款但是因為現在社會的進步還有快速發展交通工具種類日益增多還有稅務情況的複雜化過去固定倍數罰款的方式我想已經難以對現行交通需求還有現代稅務管理的多樣性來做一個這樣子的配合所以現實面民眾若\n僅因一時未領取臨時牌照或者是未及時辦理車牌登記又或者是在新購交通工具沒有完成領牌手續相對輕微的情形就被\n依法刻以固定金額的罰款這樣的處罰方式似乎不符合比例原則也會造成民眾不必要的經濟負擔這是不合時宜的所以這次修法我認為是有必要給予主管機關一定的裁量權同時也能夠因應個案的實際狀況避免這種僵化的規定導致過度的處罰\n讓法律能夠更具彈性跟人性化這樣的改變讓財法能夠更貼近比例原則那這個部分最主要就是減少民眾不必要的負擔請部長說明\n謝謝委員,委員對於這一次我們提這樣的一個修法案其實我們的立法意旨也是在這裡也就是說不是一刀切而是可以讓基政機關看納稅義務人員他的違規的情節的一個輕重給予一個彈性的處理而這樣子的話才能夠維護租稅的公平同時也能夠兼顧到納稅者的權益我想謝謝委員對這方面的一個支持那我們也希望這個能夠支持我們的院版本\n我們未來也會訂一個參考標準表,讓基金機關也可以有所遵循好,謝謝部長還有署長,謝謝,請回再來主席有請台銀林董事長好,台銀林董事長\n委員好董事長早董事長這個金管會從108年起推出財管2.0方案那開放銀行申請辦理一元就是超過1億以上的這種高端的理財業務到11309月抵止包括第一銀、合庫、兆豐等12家銀行還有8家券商都獲准辦理獲准辦理財管2.0的這樣的專案那累積的客戶數已經達到\n一萬零五百人以上管理資產總規模高達1.27兆高端客製化財富管理業務市場潛力非常大大部分銀行都搶食這塊大餅\n但是臺銀到今天都還沒有取得這種承辦業務的資格那為什麼沒有取得?所以我很納悶說經管會推出的這種財管方案已經快5年但是臺銀卻沒有取得這樣的資格可不可以請董事長說明\n謝謝委員指教其實這一塊的業務呢我們未來會列為我們一個非常重要的發展的一個重點那因為過去呢台銀本身呢對財富管理的業務呢它的重視程度比較低那當然也不是說我們沒有做只是說相對其他公股行庫呢其實這個又回到我們這個待遇的一些問題福利的問題啦就其他公股行庫對於這個財富管理的一些產品的一些銷售呢它都會有一些激勵的一些辦法\n臺灣銀行受限國營失業,所以所有的獎金、福利各方面實際上都是沒有彈性的,這是其中一個原因。當然我們不會因為沒有獎金就沒有去做這樣的業務,明年一定會積極去施行。\n委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查\n委員吳琪銘等16人提案如經院會復議\n你如果能夠早一天取得資格,這個會有更大的競爭力,晚一天力量就落後了,對不對?好不好?再請教董事長,台銀114年度編列銷售收入1330億,跟113年度算是一樣的\n但佔營業收入比重是43%,主要是銷售黃金貴金屬業務並且主要凱穎繼續推出貴金屬業務根據市場需求不斷的\n委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查\n尤其是在不確定的經濟環境之下作為避險資產這個黃金就越加的凸顯但是市場表現強勁從預算中心製作的圖表台銀114年度的預算數字卻低於112年度的決算數實際市場狀況跟預期的增長不符合113年、114年度的銷售收入預算均編列1330億\n比112年的決算數11348.8億還要低這個不合理疫情過後的經濟復甦還有黃金價格持續上升但是你們這個編列的銷售收入卻更低我認為台語是低估自己的實力還是什麼原因你可不可以說明一下\n跟委員報告其實我們預算的編列大概是一年半前就編列就是112年就編了那當時的那個金價其實在金價在過去幾年當中其實都是相當的平穩那它有大幅的上漲實際上是在今年大概就是這一年之間這一年之間大概是漲了35%\n所以我們在編列預算的時候當時是沒有預期到這個金價會有這麼大幅的波動那現在來看的話當然金價目前金價是處於一個相對的高檔但是未來是不是還可以持續這個高檔其實這個國際局勢的變化非常大我們還是要持續的觀察所以我們編列的預算就是一個持平的預算好 董事長\n再次的叮嚀台銀不要低估自己的能力是那調整這個收入預算更好的反應當前的市場環境還有未來的發展潛力那對自己的實力要更多信心更努力那合理預測未來銷售收入並做好最充分的準備好了好的謝謝委員指教謝謝\n好,謝謝寬恆委員。接著請李昆城委員發言\n","vtt":"WEBVTT\n\n00:00.410 --> 00:00.651\n財政部莊部長\n\n00:09.217 --> 00:21.929\n委員早部長早財政部本月11日公布全國總稅收新台幣3兆5713億創同期新高年增8.6%高出全年預算目標3377億同時退稅總金額10億0846萬其中中手稅分成3批退稅第3批退稅是在2025年1月20日\n\n00:36.101 --> 00:52.423\n那符合條件的有超過8萬件部長要不要跟國委員說明一下也鼓勵民眾利用直播退稅避免被冒領遺失的風險同時也可以節省這個辦理的時間那一定要在農曆年前來完成退稅讓民眾可以好過呢部長可不可以\n\n00:55.954 --> 01:01.606\n謝謝委員對這個議題的一個說明我想這個退稅涉及到食物左右是不是可以請複稅署長來做說明解密說明因為時間有限\n\n01:06.124 --> 01:30.701\n不過委員吼那委員非常關心民眾的退稅權吼那我們這第三批主要是針對原來申報它並不是退稅案件是後來我們根據我們收集的課稅資料才去核定拿退稅那這個退稅就會變成第三批那這第三批大概有9約9萬件左右經有大概10億元那我們一定會如期去退那也謝謝委員幫我們宣導說希望大家都能擠破退稅那絕對拿得到\n\n01:31.482 --> 01:59.460\n那付費署跟財政部這邊就配合就是盡量在過年前完成這個手續好不好那我再請教部長我們要審酌的這個《菸酒稅法》、《使用牌照稅法》、《土地稅法》這三項修正草案主要核心是賦予主管機關更大的裁量空間那依據個案的實際情況去調整裁法的方式跟力度那我認為這樣的修法是為了要讓法律的適用更具彈性也是在追求公平與正義的過程當中\n\n02:00.160 --> 02:28.360\n能更貼近比例原則的精神財法的本質是以教育與改善為目標並不是單純說要處罰的目的所以賦予主管機關適當的財良權避免一刀切的懲處方式可以減少對民眾可能造成的過度負擔同時也可以提升整體法律執行的效率跟公信力比如說使用牌照稅\n\n02:29.423 --> 02:31.856\n來作比例,現行法規都是以\n\n02:33.625 --> 03:01.073\n因納稅額的一倍的罰款但是因為現在社會的進步還有快速發展交通工具種類日益增多還有稅務情況的複雜化過去固定倍數罰款的方式我想已經難以對現行交通需求還有現代稅務管理的多樣性來做一個這樣子的配合所以現實面民眾若\n\n03:02.453 --> 03:17.473\n僅因一時未領取臨時牌照或者是未及時辦理車牌登記又或者是在新購交通工具沒有完成領牌手續相對輕微的情形就被\n\n03:18.314 --> 03:40.436\n依法刻以固定金額的罰款這樣的處罰方式似乎不符合比例原則也會造成民眾不必要的經濟負擔這是不合時宜的所以這次修法我認為是有必要給予主管機關一定的裁量權同時也能夠因應個案的實際狀況避免這種僵化的規定導致過度的處罰\n\n03:41.657 --> 03:52.085\n讓法律能夠更具彈性跟人性化這樣的改變讓財法能夠更貼近比例原則那這個部分最主要就是減少民眾不必要的負擔請部長說明\n\n03:54.532 --> 04:05.195\n謝謝委員,委員對於這一次我們提這樣的一個修法案其實我們的立法意旨也是在這裡也就是說不是一刀切而是可以讓基政機關看納稅義務人員他的違規的情節的一個輕重給予一個彈性的處理而這樣子的話才能夠維護租稅的公平同時也能夠兼顧到納稅者的權益我想謝謝委員對這方面的一個支持那我們也希望這個能夠支持我們的院版本\n\n04:20.200 --> 04:35.879\n我們未來也會訂一個參考標準表,讓基金機關也可以有所遵循好,謝謝部長還有署長,謝謝,請回再來主席有請台銀林董事長好,台銀林董事長\n\n04:43.693 --> 05:09.284\n委員好董事長早董事長這個金管會從108年起推出財管2.0方案那開放銀行申請辦理一元就是超過1億以上的這種高端的理財業務到11309月抵止包括第一銀、合庫、兆豐等12家銀行還有8家券商都獲准辦理獲准辦理財管2.0的這樣的專案那累積的客戶數已經達到\n\n05:13.446 --> 05:26.703\n一萬零五百人以上管理資產總規模高達1.27兆高端客製化財富管理業務市場潛力非常大大部分銀行都搶食這塊大餅\n\n05:29.486 --> 05:46.227\n但是臺銀到今天都還沒有取得這種承辦業務的資格那為什麼沒有取得?所以我很納悶說經管會推出的這種財管方案已經快5年但是臺銀卻沒有取得這樣的資格可不可以請董事長說明\n\n05:47.489 --> 06:12.896\n謝謝委員指教其實這一塊的業務呢我們未來會列為我們一個非常重要的發展的一個重點那因為過去呢台銀本身呢對財富管理的業務呢它的重視程度比較低那當然也不是說我們沒有做只是說相對其他公股行庫呢其實這個又回到我們這個待遇的一些問題福利的問題啦就其他公股行庫對於這個財富管理的一些產品的一些銷售呢它都會有一些激勵的一些辦法\n\n06:14.357 --> 06:27.246\n臺灣銀行受限國營失業,所以所有的獎金、福利各方面實際上都是沒有彈性的,這是其中一個原因。當然我們不會因為沒有獎金就沒有去做這樣的業務,明年一定會積極去施行。\n\n06:31.269 --> 06:34.731\n委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查\n\n06:54.001 --> 06:54.641\n委員吳琪銘等16人提案如經院會復議\n\n07:07.990 --> 07:22.579\n你如果能夠早一天取得資格,這個會有更大的競爭力,晚一天力量就落後了,對不對?好不好?再請教董事長,台銀114年度編列銷售收入1330億,跟113年度算是一樣的\n\n07:27.603 --> 07:32.748\n但佔營業收入比重是43%,主要是銷售黃金貴金屬業務並且主要凱穎繼續推出貴金屬業務根據市場需求不斷的\n\n07:42.159 --> 07:45.641\n委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查\n\n08:03.949 --> 08:28.207\n尤其是在不確定的經濟環境之下作為避險資產這個黃金就越加的凸顯但是市場表現強勁從預算中心製作的圖表台銀114年度的預算數字卻低於112年度的決算數實際市場狀況跟預期的增長不符合113年、114年度的銷售收入預算均編列1330億\n\n08:30.569 --> 08:50.948\n比112年的決算數11348.8億還要低這個不合理疫情過後的經濟復甦還有黃金價格持續上升但是你們這個編列的銷售收入卻更低我認為台語是低估自己的實力還是什麼原因你可不可以說明一下\n\n08:51.508 --> 09:06.745\n跟委員報告其實我們預算的編列大概是一年半前就編列就是112年就編了那當時的那個金價其實在金價在過去幾年當中其實都是相當的平穩那它有大幅的上漲實際上是在今年大概就是這一年之間這一年之間大概是漲了35%\n\n09:09.668 --> 09:29.069\n所以我們在編列預算的時候當時是沒有預期到這個金價會有這麼大幅的波動那現在來看的話當然金價目前金價是處於一個相對的高檔但是未來是不是還可以持續這個高檔其實這個國際局勢的變化非常大我們還是要持續的觀察所以我們編列的預算就是一個持平的預算好董事長\n\n09:29.890 --> 09:52.452\n再次的叮嚀台銀不要低估自己的能力是那調整這個收入預算更好的反應當前的市場環境還有未來的發展潛力那對自己的實力要更多信心更努力那合理預測未來銷售收入並做好最充分的準備好了好的謝謝委員指教謝謝\n\n09:56.857 --> 09:59.881\n好,謝謝寬恆委員。接著請李昆城委員發言\n\n","segments":[{"start":0.41,"end":0.651,"text":"財政部莊部長"},{"start":9.217,"end":21.929,"text":"委員早部長早財政部本月11日公布全國總稅收新台幣3兆5713億創同期新高年增8.6%高出全年預算目標3377億同時退稅總金額10億0846萬其中中手稅分成3批退稅第3批退稅是在2025年1月20日"},{"start":36.101,"end":52.423,"text":"那符合條件的有超過8萬件部長要不要跟國委員說明一下也鼓勵民眾利用直播退稅避免被冒領遺失的風險同時也可以節省這個辦理的時間那一定要在農曆年前來完成退稅讓民眾可以好過呢部長可不可以"},{"start":55.954,"end":61.606,"text":"謝謝委員對這個議題的一個說明我想這個退稅涉及到食物左右是不是可以請複稅署長來做說明解密說明因為時間有限"},{"start":66.124,"end":90.701,"text":"不過委員吼那委員非常關心民眾的退稅權吼那我們這第三批主要是針對原來申報它並不是退稅案件是後來我們根據我們收集的課稅資料才去核定拿退稅那這個退稅就會變成第三批那這第三批大概有9約9萬件左右經有大概10億元那我們一定會如期去退那也謝謝委員幫我們宣導說希望大家都能擠破退稅那絕對拿得到"},{"start":91.482,"end":119.46,"text":"那付費署跟財政部這邊就配合就是盡量在過年前完成這個手續好不好那我再請教部長我們要審酌的這個《菸酒稅法》、《使用牌照稅法》、《土地稅法》這三項修正草案主要核心是賦予主管機關更大的裁量空間那依據個案的實際情況去調整裁法的方式跟力度那我認為這樣的修法是為了要讓法律的適用更具彈性也是在追求公平與正義的過程當中"},{"start":120.16,"end":148.36,"text":"能更貼近比例原則的精神財法的本質是以教育與改善為目標並不是單純說要處罰的目的所以賦予主管機關適當的財良權避免一刀切的懲處方式可以減少對民眾可能造成的過度負擔同時也可以提升整體法律執行的效率跟公信力比如說使用牌照稅"},{"start":149.423,"end":151.856,"text":"來作比例,現行法規都是以"},{"start":153.625,"end":181.073,"text":"因納稅額的一倍的罰款但是因為現在社會的進步還有快速發展交通工具種類日益增多還有稅務情況的複雜化過去固定倍數罰款的方式我想已經難以對現行交通需求還有現代稅務管理的多樣性來做一個這樣子的配合所以現實面民眾若"},{"start":182.453,"end":197.473,"text":"僅因一時未領取臨時牌照或者是未及時辦理車牌登記又或者是在新購交通工具沒有完成領牌手續相對輕微的情形就被"},{"start":198.314,"end":220.436,"text":"依法刻以固定金額的罰款這樣的處罰方式似乎不符合比例原則也會造成民眾不必要的經濟負擔這是不合時宜的所以這次修法我認為是有必要給予主管機關一定的裁量權同時也能夠因應個案的實際狀況避免這種僵化的規定導致過度的處罰"},{"start":221.657,"end":232.085,"text":"讓法律能夠更具彈性跟人性化這樣的改變讓財法能夠更貼近比例原則那這個部分最主要就是減少民眾不必要的負擔請部長說明"},{"start":234.532,"end":245.195,"text":"謝謝委員,委員對於這一次我們提這樣的一個修法案其實我們的立法意旨也是在這裡也就是說不是一刀切而是可以讓基政機關看納稅義務人員他的違規的情節的一個輕重給予一個彈性的處理而這樣子的話才能夠維護租稅的公平同時也能夠兼顧到納稅者的權益我想謝謝委員對這方面的一個支持那我們也希望這個能夠支持我們的院版本"},{"start":260.2,"end":275.879,"text":"我們未來也會訂一個參考標準表,讓基金機關也可以有所遵循好,謝謝部長還有署長,謝謝,請回再來主席有請台銀林董事長好,台銀林董事長"},{"start":283.693,"end":309.284,"text":"委員好董事長早董事長這個金管會從108年起推出財管2.0方案那開放銀行申請辦理一元就是超過1億以上的這種高端的理財業務到11309月抵止包括第一銀、合庫、兆豐等12家銀行還有8家券商都獲准辦理獲准辦理財管2.0的這樣的專案那累積的客戶數已經達到"},{"start":313.446,"end":326.703,"text":"一萬零五百人以上管理資產總規模高達1.27兆高端客製化財富管理業務市場潛力非常大大部分銀行都搶食這塊大餅"},{"start":329.486,"end":346.227,"text":"但是臺銀到今天都還沒有取得這種承辦業務的資格那為什麼沒有取得?所以我很納悶說經管會推出的這種財管方案已經快5年但是臺銀卻沒有取得這樣的資格可不可以請董事長說明"},{"start":347.489,"end":372.896,"text":"謝謝委員指教其實這一塊的業務呢我們未來會列為我們一個非常重要的發展的一個重點那因為過去呢台銀本身呢對財富管理的業務呢它的重視程度比較低那當然也不是說我們沒有做只是說相對其他公股行庫呢其實這個又回到我們這個待遇的一些問題福利的問題啦就其他公股行庫對於這個財富管理的一些產品的一些銷售呢它都會有一些激勵的一些辦法"},{"start":374.357,"end":387.246,"text":"臺灣銀行受限國營失業,所以所有的獎金、福利各方面實際上都是沒有彈性的,這是其中一個原因。當然我們不會因為沒有獎金就沒有去做這樣的業務,明年一定會積極去施行。"},{"start":391.269,"end":394.731,"text":"委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查"},{"start":414.001,"end":414.641,"text":"委員吳琪銘等16人提案如經院會復議"},{"start":427.99,"end":442.579,"text":"你如果能夠早一天取得資格,這個會有更大的競爭力,晚一天力量就落後了,對不對?好不好?再請教董事長,台銀114年度編列銷售收入1330億,跟113年度算是一樣的"},{"start":447.603,"end":452.748,"text":"但佔營業收入比重是43%,主要是銷售黃金貴金屬業務並且主要凱穎繼續推出貴金屬業務根據市場需求不斷的"},{"start":462.159,"end":465.641,"text":"委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查委員吳琪銘等16人提案如經院會復議．則不予審查"},{"start":483.949,"end":508.207,"text":"尤其是在不確定的經濟環境之下作為避險資產這個黃金就越加的凸顯但是市場表現強勁從預算中心製作的圖表台銀114年度的預算數字卻低於112年度的決算數實際市場狀況跟預期的增長不符合113年、114年度的銷售收入預算均編列1330億"},{"start":510.569,"end":530.948,"text":"比112年的決算數11348.8億還要低這個不合理疫情過後的經濟復甦還有黃金價格持續上升但是你們這個編列的銷售收入卻更低我認為台語是低估自己的實力還是什麼原因你可不可以說明一下"},{"start":531.508,"end":546.745,"text":"跟委員報告其實我們預算的編列大概是一年半前就編列就是112年就編了那當時的那個金價其實在金價在過去幾年當中其實都是相當的平穩那它有大幅的上漲實際上是在今年大概就是這一年之間這一年之間大概是漲了35%"},{"start":549.668,"end":569.069,"text":"所以我們在編列預算的時候當時是沒有預期到這個金價會有這麼大幅的波動那現在來看的話當然金價目前金價是處於一個相對的高檔但是未來是不是還可以持續這個高檔其實這個國際局勢的變化非常大我們還是要持續的觀察所以我們編列的預算就是一個持平的預算好 董事長"},{"start":569.89,"end":592.452,"text":"再次的叮嚀台銀不要低估自己的能力是那調整這個收入預算更好的反應當前的市場環境還有未來的發展潛力那對自己的實力要更多信心更努力那合理預測未來銷售收入並做好最充分的準備好了好的謝謝委員指教謝謝"},{"start":596.857,"end":599.881,"text":"好,謝謝寬恆委員。接著請李昆城委員發言"}]}}},"gazette":{"lineno":456,"blocks":[["顏委員寬恒：（10時23分）主席、各位列席官員，大家早。主席，有請財政部莊部長。"],["主席（賴委員惠員）：財政部莊部長。"],["莊部長翠雲：委員早。"],["顏委員寬恒：部長早。財政部本月11日公布全國總稅收新臺幣3兆5,713億，創同期新高，年增8.6%，高出全年預算目標3,377億，同時退稅總金額10億846萬，其中綜所稅分成三批退稅，第三批退稅是在2025年的1月20日，符合條件的有超過8萬件。部長要不要跟國人說明一下，也鼓勵民眾利用直撥退稅，避免被冒領遺失的風險，同時也可以節省辦理的時間，一定要在農曆年前完成退稅，讓民眾可以好過年，部長可不可以？簡單說明就好。"],["莊部長翠雲：謝謝委員對這一個議題的說明，我想退稅涉及到實務作業，我是不是可以請賦稅署署長來做說明？"],["顏委員寬恒：好。"],["莊部長翠雲：謝謝。"],["顏委員寬恒：簡略說明，因為時間有限。"],["宋署長秀玲：報告委員，委員非常關心民眾的退稅權，我們這第三批主要是針對原來申報，它並不是退稅案件，是後來我們根據我們蒐集的課稅資料才去核定他退稅，這個退稅就會變成第三批，這第三批大概約9萬件左右，金額大概10億元，我們一定會如期去退，也謝謝委員幫我們宣導，希望大家都能直撥退稅，這樣絕對拿得到。"],["顏委員寬恒：好。賦稅署跟財政部這邊就配合，儘量在過年前完成這些手續，好不好？"],["宋署長秀玲：是。"],["顏委員寬恒：好。我再請教部長，我們要審酌的菸酒稅法、使用牌照稅法、土地稅法這三項修正草案，主要核心是賦予主管機關更大的裁量空間，依據個案的實際情況去調整裁罰的方式跟力度，我認為這樣的修法是為了要讓法律的適用更具彈性，也是在追求公平與正義的過程當中，能夠更貼近比例原則的精神，裁罰的本質是以教育與改善為目標，並不是單純就是要處罰這樣子的目的，所以賦予主管機關適當的裁量權，避免一刀切的這種懲處方式，可以減少對民眾可能造成的過度負擔，同時也可以提升整體法律執行的效率跟公信力。比如以使用牌照稅來做舉例，現行法規都是以應納稅額的一倍罰款，但是因為現在社會的進步還有快速發展，交通工具種類日益增多，還有稅務情況的複雜化，過去固定倍數罰款的方式，我想已經難以對現行交通需求，還有現代稅務管理的多樣性，來做這樣子的配合，所以現實面，民眾若僅因一時未領取臨時牌照，或者是未即時辦理車牌登記，又或者是在新購交通工具沒有完成領牌手續，這樣相對輕微的情形，那就被依法課以固定金額的罰款，這樣的處罰方式似乎不符合比例原則，也會造成民眾不必要的經濟負擔，這是不合時宜的。所以這一次修法，我認為是有必要，給予主管機關一定的裁量權，同時也能夠因應個案的實際狀況，避免這種僵化的規定導致過度的處罰，讓法律能夠更具彈性跟人性化，這樣的改變讓裁罰能夠更貼近比例原則，這個部分最主要就是減少民眾不必要的負擔。請部長說明。"],["莊部長翠雲：謝謝委員。這一次我們提這樣的一個修法案，其實我們的立法意旨也是在這裡，也就是說不是一刀切，而是可以讓稽徵機關看納稅義務人違規情節的輕重，給予一個彈性的處理，這樣才能夠維護租稅的公平，同時也能夠兼顧到納稅者的權益，我想謝謝委員對這方面的支持，我們也希望能夠支持我們的院版本，我們未來也會訂一個參考標準表，讓稽徵機關也可以有所遵循。"],["顏委員寬恒：好，謝謝部長還有署長。"],["莊部長翠雲：謝謝委員。"],["顏委員寬恒：請回。"],["莊部長翠雲：謝謝。"],["顏委員寬恒：主席，再來有請臺銀凌董事長。"],["主席：臺銀凌董事長。"],["凌董事長忠嫄：委員好。"],["顏委員寬恒：董事長早。董事長，金管會從108年起推出財管2.0方案，開放銀行申請辦理超過1億以上這種高端的理財業務，到113年9月底止，包括第一銀、合庫、兆豐等12家銀行，還有8家券商都獲准辦理財管2.0這樣的專案，累積的客戶數已經達到1萬500人以上，管理資產總規模也高達1.27兆，高端客製化財富管理業務市場潛力非常的大，大部分銀行都搶食這塊大餅，但是臺銀到今天都還沒有取得這種承辦業務的資格，為什麼沒有取得？所以我也很納悶，金管會推出的這種財管方案已經快5年，但是臺銀卻沒有取得這樣的資格，可不可以請董事長說明？"],["凌董事長忠嫄：謝謝委員指教，其實這一塊的業務，我們未來會列為我們非常重要的一個發展重點，因為過去臺銀本身對財務管理業務的重視程度比較低，當然也不是說我們沒有做，只是相對其他公股行庫，其實這個又回到我們的一些待遇問題、福利問題，其他公股行庫對於財富管理的產品銷售都會有一些激勵的辦法，臺灣銀行受限於是國營事業，所以所有的一些獎金、福利等各方面實際上都是沒有彈性的，這是其中一個原因。當然我們不會因為沒有獎金就沒有去做這樣的業務，我們明年一定會積極去設計。"],["顏委員寬恒：董事長，因為臺銀有專業單位，還有專業服務團隊，還有這些這麼強的基礎條件，也都非常的紮實，對不對？我就很納悶啦！其實你的條件都比別人更好，那為什麼萬事俱備只欠東風？到底是有什麼想法，還是說對這個市場有什麼樣的其他想法，不願意去取得這樣子的條件，我希望臺銀多做努力啦！"],["凌董事長忠嫄：好。"],["顏委員寬恒：你如果能夠早一天取得資格，會有更大的競爭力，晚一天力量就落後了，對不對？"],["凌董事長忠嫄：好的。"],["顏委員寬恒：再請教董事長，臺銀114年度編列銷售收入1,330億，跟113年度算是一樣的，但是其占營業收入比重是43%，主要是銷售黃金，所以臺銀繼續推出這些貴金屬業務，並根據市場需求不斷地增加貴金屬商品部分，維持在國內黃金市場的領導地位。我們知道黃金價格持續地上升，臺銀的貴金屬產品銷售也一直在增加，這些業績當然都是隨之攀升，貴金屬的需求逐年增加是現在的市場狀況，尤其在不確定的經濟環境之下作為避險資產，黃金就愈加的凸顯，但是市場表現強勁，從預算中心製作的圖表來看，臺銀114年度的預算數字卻低於112年度的決算數，實際市場狀況跟預期的增長不符合，113年、114年度的銷售收入預算均編列1,330億，比112年的決算數1,348.8億還要低，這個不合理。疫情過後的經濟復甦，還有黃金價格持續上升，但是你們編列的銷售收入卻更低，我認為臺銀是低估自己的實力，還是什麼原因，你可不可以說明一下？"],["凌董事長忠嫄：跟委員報告，其實我們預算的編列大概是一年半前就編列，就是在112年就編了，金價在過去幾年當中其實都是相當地平穩，它有大幅地上漲實際上是在今年，大概就是這一年之間，這一年之間大概是漲了35%，所以我們在編列預算的時候，當時是沒有預期到金價會有這麼大幅的波動，那現在來看的話，當然目前金價是處於一個相對的高檔，但是未來是不是還可以持續這個高檔，其實國際局勢的變化非常大，我們還是要持續地觀察，所以我們編列的預算就是一個持平的預算。"],["顏委員寬恒：董事長，再一次的叮嚀，臺銀不要低估自己的能力。"],["凌董事長忠嫄：是。"],["顏委員寬恒：調整收入預算，更好的反映當前的市場環境還有未來的發展潛力，對自己的實力要有更多信心，並更努力，合理預測未來的銷售收入並做好最充分的準備。"],["凌董事長忠嫄：好的，謝謝委員指教，謝謝。"],["顏委員寬恒：謝謝董事長。"],["主席：謝謝寬恒委員。","接著請李坤城委員發言。"]],"agenda":{"page_end":106,"meet_id":"委員會-11-2-20-13","speakers":["賴惠員","賴士葆","陳菁徽","林德福","吳秉叡","郭國文","顏寬恒","李坤城","李彥秀","伍麗華Saidhai‧Tahovecahe","王世堅","黃健豪","黃珊珊","羅明才","張啓楷","陳玉珍","王鴻薇"],"page_start":1,"meetingDate":["2024-12-25"],"gazette_id":"1141203","agenda_lcidc_ids":["1141203_00002"],"meet_name":"立法院第11屆第2會期財政委員會第13次全體委員會議紀錄","content":"一、審查「菸酒稅法」 10 案：( 一) 行政院函請審議、本院委員李柏毅等 16 人、委員賴惠員等16\n人、委員郭國文等 18 人、委員吳琪銘等 16 人分別擬具「菸酒稅法部分條文修正草案」等 5 案、\n(二)本院委員徐巧芯等29人擬具「菸酒稅法第十九條條文修正草案」案、(三)本院委員賴士葆等\n27人、委員伍麗華 Saidhai Tahovecahe 等20人、委員張智倫等18人分別擬具「菸酒稅法第十九\n條及第二十一條條文修正草案」等3案、(四)本院委員陳玉珍等19人擬具「菸酒稅法第十九條及\n第二十三條條文修正草案」案；二、審查「使用牌照稅法」8案：(一) 行政院函請審議、本院委\n員賴士葆等24人、委員陳菁徽等17人、委員張智倫等18人、委員陳素月等19人、委員賴惠員等17\n人、委員郭國文等16人分別擬具「使用牌照稅法第二十九條、第三十條及第三十一條條文修正草\n案」等7案、(二) 本院委員陳玉珍等19人擬具「使用牌照稅法第三十條及第三十一條條文修正草\n案」案；三、審查行政院函請審議、本院委員賴士葆等21人、委員林楚茵等18人、委員徐巧芯等\n27人、委員賴惠員等17人、委員郭國文等17人分別擬具「土地稅法第五十四條條文修正草案」等\n6案；四、審查中華民國114年度中央政府總預算案附屬單位預算營業部分，關於財政部主管中國\n輸出入銀行、臺灣金融控股股份有限公司（含臺灣銀行股份有限公司、臺銀人壽保險股份有限公\n司、臺銀綜合證券股份有限公司）（僅詢答）","agenda_id":"1141203_00001"}}}