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\"language\": \"zh\"}","srt":"1\n00:00:00,575 --> 00:00:02,029\n專部長還有林董事長\n\n2\n00:00:06,538 --> 00:00:31,646\n刚好两位都是女性应该更可以因为都有家庭都有小孩所以应该都有小孩应该都可以将心比心可以了解我执行这个议题的感受除序大概是我们每个在教育孩子的过程当中大家有个共同的经验我想部长跟董事长应该小时候应该有养过小猪公\n\n3\n00:00:33,627 --> 00:00:57,842\n那個存硬幣大家都有這個經驗那大家你們應該知道我要問什麼前一陣子有一個議題是父母帶著小孩子把養了很多年的豬公廚序小豬公帶去換硬幣那這個事件呢民眾帶著小孩去然後讓他瞭解說存錢的好處我們存了一定的錢然後拿到銀行那換成銀行的這個銀行的本子\n\n4\n00:01:02,305 --> 00:01:24,842\n但是教育孩子的过程当中最后本来是美意教育的一件最后却碰上我们在银行面在面对金融服务的时候因为我们的硬体设备不能跟上我们现在时代的脚步碰到我们银行不是专责来帮你处理这些事情的\n\n5\n00:01:25,603 --> 00:01:53,190\n那当然银行的人力有限可能那个时间点我不知道是不是排队特别多但是民众包括台银事后的回应后面还有很多的客户那你们是基于公平才请民众择日再来但是我只要拿了号码牌一般我们的认知是我只要拿了号码牌有些我办理的业务可能只有三分钟有些我办理的业务是半个钟头\n\n6\n00:01:54,170 --> 00:02:15,885\n我們都是得服務那當下給民眾認為是你們選擇客戶那當然你們或許在人力成本在時間上你們有不同的想法但是我覺得公股銀行是特別是台灣銀行是國家金融體系的門面也是國家金融體系的中流砥柱\n\n7\n00:02:16,925 --> 00:02:44,718\n這樣子的說法在民眾的觀感上就不對我再放一段影片大家都知道國外CoinStar已經很久很久了事實上我知道有一些金融體系早也在推動無論它是放在銀行裡面或者是放在超商裡面丟進去換成全聯的禮券也好馬上一段時間馬上這就是一部機器的問題\n\n8\n00:02:47,629 --> 00:03:07,365\n在國外無論在德國在美國我看到到處Supermarket都有有一些比較大的分行也都有我們台灣銀行是國家金融體系的中流砥柱也是我們金融體系的門面我們這個沒有也就算了但是對於民眾這樣的回應部長董事長你們覺得這及格嗎\n\n9\n00:03:14,919 --> 00:03:19,935\n謝謝委員的指教我想這個部分是不是可以請我們台英董事長來做一個說明好嗎好\n\n10\n00:03:21,892 --> 00:03:33,680\n好謝謝委員的指教那我說明一下那個當天的狀況因為當天的客戶他是在中午用餐的時間來的不管中午早上就是你們營業的時間你們不會挑客戶吧那因為中午用餐的時間就是同仁會輪班去用餐所以人力上就會有比較吃緊那因為這個客戶他帶來的這個銅板的數量也比較多所以服務的時間也比較長那接著後面有非常多的民眾大概等待非常久\n\n11\n00:03:48,129 --> 00:04:16,145\n所以同仁因為已經服務了很長的一段時間所以才會有那樣的一個反應我想我要講的就是說其實我覺得我們在硬體的改善是先要做那第二就是說我們未來如何在人力成本時間跟效率跟民眾之間如何取得更好的平衡譬如平安講譬如說我們以前公車都是投硬幣現在沒有悠遊卡之前我們投硬幣我不知道你們跟這些業者之間或跟公司之間你們可能會講我們希望你們是下班或四點報完到五點來或八點到九點來\n\n12\n00:04:17,365 --> 00:04:36,701\n你们可能有特殊的这是一个推广但是如何在人力时间效率上取得一个更好的平衡我觉得这个是要思考的第二我觉得在硬体设备这不是难的事情国外都已经有这么久空一杀都已经这么久了\n\n13\n00:04:37,521 --> 00:04:43,729\n跟委員報告其實我們本行呢大概在有十個分行呢沒關係我覺得這個勢必部長我覺得這個整個公股銀行的部分我覺得要提一個更完整的報告我覺得這個應該要第一個加強宣導如何取得一個平衡\n\n14\n00:04:53,480 --> 00:05:11,494\n第二我們在硬體設備的部分如何改善我覺得應該有一個具體的時間出來當然我知道現在硬體的硬幣用的越來越少但還是有人有還是有一些商家有還是有一些小朋友他在存這些硬幣對不對家長所以我覺得應該要提出一個更完整的報告什麼時候可以提出一個完整的報告\n\n15\n00:05:11,954 --> 00:05:16,817\n可以容許我先做一個簡單的說明嗎其實我們目前大概全省有十家分行是設有這個硬幣的存款機所以民眾是可以全省只有十家但是如果說像剛才委員所提的這個案例因為他的那個數量非常大如果民眾有這個需求的時候直接先跟我們打個電話我們可以幫他做一些服務我剛講台銀是我覺得部長我們公股銀行的部分我覺得這個機器\n\n16\n00:05:39,370 --> 00:05:55,051\n不是多少錢的問題也不是說在申請過程很困難有什麼關卡程序我們的營業點就有多少家在比例上以台北市來說12個行政區如果你全台灣台營就只有10家的話那就是十不及其\n\n17\n00:05:55,752 --> 00:05:58,355\n我覺得這個是不及格的部長你了解我意思嗎我住南港我可能要跑到萬華區我開了車還40分鐘我坐公車可能要50分鐘一個鐘頭抱著那麼多的錢搭的公車或捷運才可以去換到我覺得這個是不便民這不符合邏輯所以我才提出說\n\n18\n00:06:16,733 --> 00:06:31,229\n如何去取得一個平衡取得一個更好的改善計畫這是我希望得到的報告可以嗎可以我知道委員的用意我就覺得說讓民眾如果有零錢不見得很大批有些就不喜歡帶那麼重他就讓他有一個地方可以用存款\n\n19\n00:06:32,470 --> 00:06:55,681\n我覺得這個國外都行之有年我覺得將心比心你們也做了那麼多業務考察我覺得我看到這個新聞是讓我覺得不可思議這是第一點我要問的第二點董事長請回部長賴總統在國慶的時候提到五萬塊以下明年免稅\n\n20\n00:06:56,821 --> 00:07:05,248\n真的這麼簡單嗎我如果年所得60萬的話很多助理年輕人很多都說60萬我明年不用繳稅部長你同意這句話嗎\n\n21\n00:07:06,634 --> 00:07:16,421\n跟委員報告總統當時有講就是說單身租屋在外租屋然後他月薪五萬元以下那事實上為什麼因為事實上從總統在當院長的時候就開始進行所謂的所得稅制的優化那這包含有關基本生活費部長如果照你這樣子講的話\n\n22\n00:07:27,709 --> 00:07:48,261\n單身租屋的話那就是用44.6萬來扣的話其實每年大概就3萬每個月大概3萬7左右才可以達到那個條件因為我們的扣除額就有達到我清楚其實現有的稅制無論在免稅額扣除額其實本來單身租屋本來就是免稅所以其實\n\n23\n00:07:51,178 --> 00:08:03,384\n總統的美意我覺得他的意思是說未來我們其實在稅制的部分未來有沒有更多的減稅的政策因為本來我們租屋單身租屋本來就有免稅扣除額在裡頭\n\n24\n00:08:05,465 --> 00:08:25,096\n那我们有很多不同的免税扣除所以我的意思是说未来财政部未来有没有机会针对于现在我们薪水可能都会被通膨吃掉所以未来无论在加码或新定的减税政策上我们有没有可能有其他的工具可以使用我了解总统的美意\n\n25\n00:08:26,795 --> 00:08:52,123\n但是在外界看到這一句話簡單的一句話當然後來總統有加碼說明是單身加租屋但是無論單身或已婚租屋其實總統當然希望說能適用當然最好因為知道年輕夫妻現在打拚也不容易所以未來我們有沒有可能有更多的加碼或新訂的減稅政策符合賴總統的美意\n\n26\n00:08:53,783 --> 00:09:21,584\n你们我们再做其他的思考您刚才提到通膨那其实我们在免税额跟扣除额里面有按照这个那个所谓CPI的调整的一个机制免税额跟标准扣除额都有这样的一个调整机制部长因为我时间很少你直接回应我那另外其他的一个项目其实目前来说比如说像长照的扣除额这个现在都已经有了现在都已经有了你的免税一般扣除额特别扣除额这个例子我都很清楚\n\n27\n00:09:21,664 --> 00:09:23,125\n現在只有45%的人是不用賺的\n\n28\n00:09:51,884 --> 00:10:09,015\n就沒有這個扣除額啊對不對部長有一些人是單身我沒有能力租房子我必須跟家裡住在一起我就沒有這個扣除額的享受啊所以我的意思是說有沒有更多新的加碼的政策會出來跟委員報告我們其實有302萬戶就是44%的申報戶其實是免繳稅的部長這都是你\n\n29\n00:10:19,381 --> 00:10:39,271\n現有的工具我的意思是說你們還有沒有在研擬去符合賴總統的政策減稅去降低年輕人的負擔嗎除了稅之外大家都很重視我們現在年輕人負擔包括新婚夫妻也都負擔越來越重你們有沒有更多的付稅的\n\n30\n00:10:41,717 --> 00:11:07,398\n這個減稅的工具加碼的工具要去處理這一塊當然這是我們的目標那除了稅之外還有其他相關的補助其實也都在做譬如說像學費的一些減免以及育兒津貼等等都同時在做我想委員這個部分的關心我們了解那我們也會隨著經濟情勢的變化來做相關的調整經濟情勢每天都在變化今年變化最多但是我就看不到你們有更進一步的政策出來\n\n31\n00:11:07,978 --> 00:11:28,869\n所以我還是希望隨時去面對現在的狀況現在的通膨的狀況還有體感經濟的問題我覺得民生都在漲你們要有更多的工具跟手段去處理是謝謝委員指教否則的話說經濟很好但是基層民眾感受不到好謝謝委員的指教謝謝好謝謝李委員我們現在請中央嘉賓委員\n\n","tsv":"start\tend\ttext\n575\t2029\t專部長還有林董事長\n6538\t31646\t刚好两位都是女性应该更可以因为都有家庭都有小孩所以应该都有小孩应该都可以将心比心可以了解我执行这个议题的感受除序大概是我们每个在教育孩子的过程当中大家有个共同的经验我想部长跟董事长应该小时候应该有养过小猪公\n33627\t57842\t那個存硬幣大家都有這個經驗那大家你們應該知道我要問什麼前一陣子有一個議題是父母帶著小孩子把養了很多年的豬公廚序小豬公帶去換硬幣那這個事件呢民眾帶著小孩去然後讓他瞭解說存錢的好處我們存了一定的錢然後拿到銀行那換成銀行的這個銀行的本子\n62305\t84842\t但是教育孩子的过程当中最后本来是美意教育的一件最后却碰上我们在银行面在面对金融服务的时候因为我们的硬体设备不能跟上我们现在时代的脚步碰到我们银行不是专责来帮你处理这些事情的\n85603\t113190\t那当然银行的人力有限可能那个时间点我不知道是不是排队特别多但是民众包括台银事后的回应后面还有很多的客户那你们是基于公平才请民众择日再来但是我只要拿了号码牌一般我们的认知是我只要拿了号码牌有些我办理的业务可能只有三分钟有些我办理的业务是半个钟头\n114170\t135885\t我們都是得服務那當下給民眾認為是你們選擇客戶那當然你們或許在人力成本在時間上你們有不同的想法但是我覺得公股銀行是特別是台灣銀行是國家金融體系的門面也是國家金融體系的中流砥柱\n136925\t164718\t這樣子的說法在民眾的觀感上就不對我再放一段影片大家都知道國外Coin Star已經很久很久了事實上我知道有一些金融體系早也在推動無論它是放在銀行裡面或者是放在超商裡面丟進去換成全聯的禮券也好馬上一段時間馬上這就是一部機器的問題\n167629\t187365\t在國外無論在德國在美國我看到到處Supermarket都有有一些比較大的分行也都有我們台灣銀行是國家金融體系的中流砥柱也是我們金融體系的門面我們這個沒有也就算了但是對於民眾這樣的回應部長董事長你們覺得這及格嗎\n194919\t199935\t謝謝委員的指教我想這個部分是不是可以請我們台英董事長來做一個說明好嗎好\n201892\t213680\t好 謝謝委員的指教那我說明一下那個當天的狀況因為當天的客戶他是在中午用餐的時間來的不管中午早上就是你們營業的時間你們不會挑客戶吧那因為中午用餐的時間就是同仁會輪班去用餐所以人力上就會有比較吃緊那因為這個客戶他帶來的這個銅板的數量也比較多所以服務的時間也比較長那接著後面有非常多的民眾大概等待非常久\n228129\t256145\t所以同仁因為已經服務了很長的一段時間所以才會有那樣的一個反應我想我要講的就是說其實我覺得我們在硬體的改善是先要做那第二就是說我們未來如何在人力成本時間跟效率跟民眾之間如何取得更好的平衡譬如平安講譬如說我們以前公車都是投硬幣現在沒有悠遊卡之前我們投硬幣我不知道你們跟這些業者之間或跟公司之間你們可能會講我們希望你們是下班或四點報完到五點來或八點到九點來\n257365\t276701\t你们可能有特殊的这是一个推广但是如何在人力时间效率上取得一个更好的平衡我觉得这个是要思考的第二我觉得在硬体设备这不是难的事情国外都已经有这么久空一杀都已经这么久了\n277521\t283729\t跟委員報告其實我們本行呢大概在有十個分行呢沒關係我覺得這個勢必部長我覺得這個整個公股銀行的部分我覺得要提一個更完整的報告我覺得這個應該要第一個加強宣導如何取得一個平衡\n293480\t311494\t第二我們在硬體設備的部分如何改善我覺得應該有一個具體的時間出來當然我知道現在硬體的硬幣用的越來越少但還是有人有還是有一些商家有還是有一些小朋友他在存這些硬幣對不對家長所以我覺得應該要提出一個更完整的報告什麼時候可以提出一個完整的報告\n311954\t316817\t可以容許我先做一個簡單的說明嗎其實我們目前大概全省有十家分行是設有這個硬幣的存款機所以民眾是可以全省只有十家但是如果說像剛才委員所提的這個案例因為他的那個數量非常大如果民眾有這個需求的時候直接先跟我們打個電話我們可以幫他做一些服務我剛講台銀是我覺得部長我們公股銀行的部分我覺得這個機器\n339370\t355051\t不是多少錢的問題也不是說在申請過程很困難有什麼關卡程序我們的營業點就有多少家在比例上以台北市來說12個行政區如果你全台灣台營就只有10家的話那就是十不及其\n355752\t358355\t我覺得這個是不及格的部長你了解我意思嗎我住南港我可能要跑到萬華區我開了車還40分鐘我坐公車可能要50分鐘一個鐘頭抱著那麼多的錢搭的公車或捷運才可以去換到我覺得這個是不便民這不符合邏輯所以我才提出說\n376733\t391229\t如何去取得一個平衡取得一個更好的改善計畫這是我希望得到的報告可以嗎可以 我知道委員的用意我就覺得說讓民眾如果有零錢不見得很大批有些就不喜歡帶那麼重他就讓他有一個地方可以用存款\n392470\t415681\t我覺得這個國外都行之有年我覺得將心比心你們也做了那麼多業務考察我覺得我看到這個新聞是讓我覺得不可思議這是第一點我要問的第二點 董事長請回部長賴總統在國慶的時候提到五萬塊以下明年免稅\n416821\t425248\t真的這麼簡單嗎我如果年所得60萬的話很多助理年輕人很多都說60萬我明年不用繳稅部長你同意這句話嗎\n426634\t436421\t跟委員報告總統當時有講就是說單身租屋在外租屋然後他月薪五萬元以下那事實上為什麼因為事實上從總統在當院長的時候就開始進行所謂的所得稅制的優化那這包含有關基本生活費部長如果照你這樣子講的話\n447709\t468261\t單身租屋的話那就是用44.6萬來扣的話其實每年大概就3萬每個月大概3萬7左右才可以達到那個條件因為我們的扣除額就有達到我清楚其實現有的稅制無論在免稅額扣除額其實本來單身租屋本來就是免稅所以其實\n471178\t483384\t總統的美意我覺得他的意思是說未來我們其實在稅制的部分未來有沒有更多的減稅的政策因為本來我們租屋單身租屋本來就有免稅扣除額在裡頭\n485465\t505096\t那我们有很多不同的免税扣除所以我的意思是说未来财政部未来有没有机会针对于现在我们薪水可能都会被通膨吃掉所以未来无论在加码或新定的减税政策上我们有没有可能有其他的工具可以使用我了解总统的美意\n506795\t532123\t但是在外界看到這一句話簡單的一句話當然後來總統有加碼說明是單身加租屋但是無論單身或已婚租屋其實總統當然希望說能適用當然最好因為知道年輕夫妻現在打拚也不容易所以未來我們有沒有可能有更多的加碼或新訂的減稅政策符合賴總統的美意\n533783\t561584\t你们我们再做其他的思考您刚才提到通膨那其实我们在免税额跟扣除额里面有按照这个那个所谓CPI的调整的一个机制免税额跟标准扣除额都有这样的一个调整机制部长因为我时间很少你直接回应我那另外其他的一个项目其实目前来说比如说像长照的扣除额这个现在都已经有了现在都已经有了你的免税一般扣除额特别扣除额这个例子我都很清楚\n561664\t563125\t現在只有45%的人是不用賺的\n591884\t609015\t就沒有這個扣除額啊對不對部長有一些人是單身我沒有能力租房子我必須跟家裡住在一起我就沒有這個扣除額的享受啊所以我的意思是說有沒有更多新的加碼的政策會出來跟委員報告我們其實有302萬戶就是44%的申報戶其實是免繳稅的部長這都是你\n619381\t639271\t現有的工具我的意思是說你們還有沒有在研擬去符合賴總統的政策減稅去降低年輕人的負擔嗎除了稅之外大家都很重視我們現在年輕人負擔包括新婚夫妻也都負擔越來越重你們有沒有更多的付稅的\n641717\t667398\t這個減稅的工具加碼的工具要去處理這一塊當然這是我們的目標那除了稅之外還有其他相關的補助其實也都在做譬如說像學費的一些減免以及育兒津貼等等都同時在做我想委員這個部分的關心我們了解那我們也會隨著經濟情勢的變化來做相關的調整經濟情勢每天都在變化今年變化最多但是我就看不到你們有更進一步的政策出來\n667978\t688869\t所以我還是希望隨時去面對現在的狀況現在的通膨的狀況還有體感經濟的問題我覺得民生都在漲你們要有更多的工具跟手段去處理是 謝謝委員指教 否則的話說經濟很好但是基層民眾感受不到好 謝謝委員的指教 謝謝好 謝謝李委員我們現在請中央嘉賓委員\n","txt":"專部長還有林董事長\n刚好两位都是女性应该更可以因为都有家庭都有小孩所以应该都有小孩应该都可以将心比心可以了解我执行这个议题的感受除序大概是我们每个在教育孩子的过程当中大家有个共同的经验我想部长跟董事长应该小时候应该有养过小猪公\n那個存硬幣大家都有這個經驗那大家你們應該知道我要問什麼前一陣子有一個議題是父母帶著小孩子把養了很多年的豬公廚序小豬公帶去換硬幣那這個事件呢民眾帶著小孩去然後讓他瞭解說存錢的好處我們存了一定的錢然後拿到銀行那換成銀行的這個銀行的本子\n但是教育孩子的过程当中最后本来是美意教育的一件最后却碰上我们在银行面在面对金融服务的时候因为我们的硬体设备不能跟上我们现在时代的脚步碰到我们银行不是专责来帮你处理这些事情的\n那当然银行的人力有限可能那个时间点我不知道是不是排队特别多但是民众包括台银事后的回应后面还有很多的客户那你们是基于公平才请民众择日再来但是我只要拿了号码牌一般我们的认知是我只要拿了号码牌有些我办理的业务可能只有三分钟有些我办理的业务是半个钟头\n我們都是得服務那當下給民眾認為是你們選擇客戶那當然你們或許在人力成本在時間上你們有不同的想法但是我覺得公股銀行是特別是台灣銀行是國家金融體系的門面也是國家金融體系的中流砥柱\n這樣子的說法在民眾的觀感上就不對我再放一段影片大家都知道國外Coin Star已經很久很久了事實上我知道有一些金融體系早也在推動無論它是放在銀行裡面或者是放在超商裡面丟進去換成全聯的禮券也好馬上一段時間馬上這就是一部機器的問題\n在國外無論在德國在美國我看到到處Supermarket都有有一些比較大的分行也都有我們台灣銀行是國家金融體系的中流砥柱也是我們金融體系的門面我們這個沒有也就算了但是對於民眾這樣的回應部長董事長你們覺得這及格嗎\n謝謝委員的指教我想這個部分是不是可以請我們台英董事長來做一個說明好嗎好\n好 謝謝委員的指教那我說明一下那個當天的狀況因為當天的客戶他是在中午用餐的時間來的不管中午早上就是你們營業的時間你們不會挑客戶吧那因為中午用餐的時間就是同仁會輪班去用餐所以人力上就會有比較吃緊那因為這個客戶他帶來的這個銅板的數量也比較多所以服務的時間也比較長那接著後面有非常多的民眾大概等待非常久\n所以同仁因為已經服務了很長的一段時間所以才會有那樣的一個反應我想我要講的就是說其實我覺得我們在硬體的改善是先要做那第二就是說我們未來如何在人力成本時間跟效率跟民眾之間如何取得更好的平衡譬如平安講譬如說我們以前公車都是投硬幣現在沒有悠遊卡之前我們投硬幣我不知道你們跟這些業者之間或跟公司之間你們可能會講我們希望你們是下班或四點報完到五點來或八點到九點來\n你们可能有特殊的这是一个推广但是如何在人力时间效率上取得一个更好的平衡我觉得这个是要思考的第二我觉得在硬体设备这不是难的事情国外都已经有这么久空一杀都已经这么久了\n跟委員報告其實我們本行呢大概在有十個分行呢沒關係我覺得這個勢必部長我覺得這個整個公股銀行的部分我覺得要提一個更完整的報告我覺得這個應該要第一個加強宣導如何取得一個平衡\n第二我們在硬體設備的部分如何改善我覺得應該有一個具體的時間出來當然我知道現在硬體的硬幣用的越來越少但還是有人有還是有一些商家有還是有一些小朋友他在存這些硬幣對不對家長所以我覺得應該要提出一個更完整的報告什麼時候可以提出一個完整的報告\n可以容許我先做一個簡單的說明嗎其實我們目前大概全省有十家分行是設有這個硬幣的存款機所以民眾是可以全省只有十家但是如果說像剛才委員所提的這個案例因為他的那個數量非常大如果民眾有這個需求的時候直接先跟我們打個電話我們可以幫他做一些服務我剛講台銀是我覺得部長我們公股銀行的部分我覺得這個機器\n不是多少錢的問題也不是說在申請過程很困難有什麼關卡程序我們的營業點就有多少家在比例上以台北市來說12個行政區如果你全台灣台營就只有10家的話那就是十不及其\n我覺得這個是不及格的部長你了解我意思嗎我住南港我可能要跑到萬華區我開了車還40分鐘我坐公車可能要50分鐘一個鐘頭抱著那麼多的錢搭的公車或捷運才可以去換到我覺得這個是不便民這不符合邏輯所以我才提出說\n如何去取得一個平衡取得一個更好的改善計畫這是我希望得到的報告可以嗎可以 我知道委員的用意我就覺得說讓民眾如果有零錢不見得很大批有些就不喜歡帶那麼重他就讓他有一個地方可以用存款\n我覺得這個國外都行之有年我覺得將心比心你們也做了那麼多業務考察我覺得我看到這個新聞是讓我覺得不可思議這是第一點我要問的第二點 董事長請回部長賴總統在國慶的時候提到五萬塊以下明年免稅\n真的這麼簡單嗎我如果年所得60萬的話很多助理年輕人很多都說60萬我明年不用繳稅部長你同意這句話嗎\n跟委員報告總統當時有講就是說單身租屋在外租屋然後他月薪五萬元以下那事實上為什麼因為事實上從總統在當院長的時候就開始進行所謂的所得稅制的優化那這包含有關基本生活費部長如果照你這樣子講的話\n單身租屋的話那就是用44.6萬來扣的話其實每年大概就3萬每個月大概3萬7左右才可以達到那個條件因為我們的扣除額就有達到我清楚其實現有的稅制無論在免稅額扣除額其實本來單身租屋本來就是免稅所以其實\n總統的美意我覺得他的意思是說未來我們其實在稅制的部分未來有沒有更多的減稅的政策因為本來我們租屋單身租屋本來就有免稅扣除額在裡頭\n那我们有很多不同的免税扣除所以我的意思是说未来财政部未来有没有机会针对于现在我们薪水可能都会被通膨吃掉所以未来无论在加码或新定的减税政策上我们有没有可能有其他的工具可以使用我了解总统的美意\n但是在外界看到這一句話簡單的一句話當然後來總統有加碼說明是單身加租屋但是無論單身或已婚租屋其實總統當然希望說能適用當然最好因為知道年輕夫妻現在打拚也不容易所以未來我們有沒有可能有更多的加碼或新訂的減稅政策符合賴總統的美意\n你们我们再做其他的思考您刚才提到通膨那其实我们在免税额跟扣除额里面有按照这个那个所谓CPI的调整的一个机制免税额跟标准扣除额都有这样的一个调整机制部长因为我时间很少你直接回应我那另外其他的一个项目其实目前来说比如说像长照的扣除额这个现在都已经有了现在都已经有了你的免税一般扣除额特别扣除额这个例子我都很清楚\n現在只有45%的人是不用賺的\n就沒有這個扣除額啊對不對部長有一些人是單身我沒有能力租房子我必須跟家裡住在一起我就沒有這個扣除額的享受啊所以我的意思是說有沒有更多新的加碼的政策會出來跟委員報告我們其實有302萬戶就是44%的申報戶其實是免繳稅的部長這都是你\n現有的工具我的意思是說你們還有沒有在研擬去符合賴總統的政策減稅去降低年輕人的負擔嗎除了稅之外大家都很重視我們現在年輕人負擔包括新婚夫妻也都負擔越來越重你們有沒有更多的付稅的\n這個減稅的工具加碼的工具要去處理這一塊當然這是我們的目標那除了稅之外還有其他相關的補助其實也都在做譬如說像學費的一些減免以及育兒津貼等等都同時在做我想委員這個部分的關心我們了解那我們也會隨著經濟情勢的變化來做相關的調整經濟情勢每天都在變化今年變化最多但是我就看不到你們有更進一步的政策出來\n所以我還是希望隨時去面對現在的狀況現在的通膨的狀況還有體感經濟的問題我覺得民生都在漲你們要有更多的工具跟手段去處理是 謝謝委員指教 否則的話說經濟很好但是基層民眾感受不到好 謝謝委員的指教 謝謝好 謝謝李委員我們現在請中央嘉賓委員\n","vtt":"WEBVTT\n\n00:00.575 --> 00:02.029\n專部長還有林董事長\n\n00:06.538 --> 00:31.646\n刚好两位都是女性应该更可以因为都有家庭都有小孩所以应该都有小孩应该都可以将心比心可以了解我执行这个议题的感受除序大概是我们每个在教育孩子的过程当中大家有个共同的经验我想部长跟董事长应该小时候应该有养过小猪公\n\n00:33.627 --> 00:57.842\n那個存硬幣大家都有這個經驗那大家你們應該知道我要問什麼前一陣子有一個議題是父母帶著小孩子把養了很多年的豬公廚序小豬公帶去換硬幣那這個事件呢民眾帶著小孩去然後讓他瞭解說存錢的好處我們存了一定的錢然後拿到銀行那換成銀行的這個銀行的本子\n\n01:02.305 --> 01:24.842\n但是教育孩子的过程当中最后本来是美意教育的一件最后却碰上我们在银行面在面对金融服务的时候因为我们的硬体设备不能跟上我们现在时代的脚步碰到我们银行不是专责来帮你处理这些事情的\n\n01:25.603 --> 01:53.190\n那当然银行的人力有限可能那个时间点我不知道是不是排队特别多但是民众包括台银事后的回应后面还有很多的客户那你们是基于公平才请民众择日再来但是我只要拿了号码牌一般我们的认知是我只要拿了号码牌有些我办理的业务可能只有三分钟有些我办理的业务是半个钟头\n\n01:54.170 --> 02:15.885\n我們都是得服務那當下給民眾認為是你們選擇客戶那當然你們或許在人力成本在時間上你們有不同的想法但是我覺得公股銀行是特別是台灣銀行是國家金融體系的門面也是國家金融體系的中流砥柱\n\n02:16.925 --> 02:44.718\n這樣子的說法在民眾的觀感上就不對我再放一段影片大家都知道國外CoinStar已經很久很久了事實上我知道有一些金融體系早也在推動無論它是放在銀行裡面或者是放在超商裡面丟進去換成全聯的禮券也好馬上一段時間馬上這就是一部機器的問題\n\n02:47.629 --> 03:07.365\n在國外無論在德國在美國我看到到處Supermarket都有有一些比較大的分行也都有我們台灣銀行是國家金融體系的中流砥柱也是我們金融體系的門面我們這個沒有也就算了但是對於民眾這樣的回應部長董事長你們覺得這及格嗎\n\n03:14.919 --> 03:19.935\n謝謝委員的指教我想這個部分是不是可以請我們台英董事長來做一個說明好嗎好\n\n03:21.892 --> 03:33.680\n好謝謝委員的指教那我說明一下那個當天的狀況因為當天的客戶他是在中午用餐的時間來的不管中午早上就是你們營業的時間你們不會挑客戶吧那因為中午用餐的時間就是同仁會輪班去用餐所以人力上就會有比較吃緊那因為這個客戶他帶來的這個銅板的數量也比較多所以服務的時間也比較長那接著後面有非常多的民眾大概等待非常久\n\n03:48.129 --> 04:16.145\n所以同仁因為已經服務了很長的一段時間所以才會有那樣的一個反應我想我要講的就是說其實我覺得我們在硬體的改善是先要做那第二就是說我們未來如何在人力成本時間跟效率跟民眾之間如何取得更好的平衡譬如平安講譬如說我們以前公車都是投硬幣現在沒有悠遊卡之前我們投硬幣我不知道你們跟這些業者之間或跟公司之間你們可能會講我們希望你們是下班或四點報完到五點來或八點到九點來\n\n04:17.365 --> 04:36.701\n你们可能有特殊的这是一个推广但是如何在人力时间效率上取得一个更好的平衡我觉得这个是要思考的第二我觉得在硬体设备这不是难的事情国外都已经有这么久空一杀都已经这么久了\n\n04:37.521 --> 04:43.729\n跟委員報告其實我們本行呢大概在有十個分行呢沒關係我覺得這個勢必部長我覺得這個整個公股銀行的部分我覺得要提一個更完整的報告我覺得這個應該要第一個加強宣導如何取得一個平衡\n\n04:53.480 --> 05:11.494\n第二我們在硬體設備的部分如何改善我覺得應該有一個具體的時間出來當然我知道現在硬體的硬幣用的越來越少但還是有人有還是有一些商家有還是有一些小朋友他在存這些硬幣對不對家長所以我覺得應該要提出一個更完整的報告什麼時候可以提出一個完整的報告\n\n05:11.954 --> 05:16.817\n可以容許我先做一個簡單的說明嗎其實我們目前大概全省有十家分行是設有這個硬幣的存款機所以民眾是可以全省只有十家但是如果說像剛才委員所提的這個案例因為他的那個數量非常大如果民眾有這個需求的時候直接先跟我們打個電話我們可以幫他做一些服務我剛講台銀是我覺得部長我們公股銀行的部分我覺得這個機器\n\n05:39.370 --> 05:55.051\n不是多少錢的問題也不是說在申請過程很困難有什麼關卡程序我們的營業點就有多少家在比例上以台北市來說12個行政區如果你全台灣台營就只有10家的話那就是十不及其\n\n05:55.752 --> 05:58.355\n我覺得這個是不及格的部長你了解我意思嗎我住南港我可能要跑到萬華區我開了車還40分鐘我坐公車可能要50分鐘一個鐘頭抱著那麼多的錢搭的公車或捷運才可以去換到我覺得這個是不便民這不符合邏輯所以我才提出說\n\n06:16.733 --> 06:31.229\n如何去取得一個平衡取得一個更好的改善計畫這是我希望得到的報告可以嗎可以我知道委員的用意我就覺得說讓民眾如果有零錢不見得很大批有些就不喜歡帶那麼重他就讓他有一個地方可以用存款\n\n06:32.470 --> 06:55.681\n我覺得這個國外都行之有年我覺得將心比心你們也做了那麼多業務考察我覺得我看到這個新聞是讓我覺得不可思議這是第一點我要問的第二點董事長請回部長賴總統在國慶的時候提到五萬塊以下明年免稅\n\n06:56.821 --> 07:05.248\n真的這麼簡單嗎我如果年所得60萬的話很多助理年輕人很多都說60萬我明年不用繳稅部長你同意這句話嗎\n\n07:06.634 --> 07:16.421\n跟委員報告總統當時有講就是說單身租屋在外租屋然後他月薪五萬元以下那事實上為什麼因為事實上從總統在當院長的時候就開始進行所謂的所得稅制的優化那這包含有關基本生活費部長如果照你這樣子講的話\n\n07:27.709 --> 07:48.261\n單身租屋的話那就是用44.6萬來扣的話其實每年大概就3萬每個月大概3萬7左右才可以達到那個條件因為我們的扣除額就有達到我清楚其實現有的稅制無論在免稅額扣除額其實本來單身租屋本來就是免稅所以其實\n\n07:51.178 --> 08:03.384\n總統的美意我覺得他的意思是說未來我們其實在稅制的部分未來有沒有更多的減稅的政策因為本來我們租屋單身租屋本來就有免稅扣除額在裡頭\n\n08:05.465 --> 08:25.096\n那我们有很多不同的免税扣除所以我的意思是说未来财政部未来有没有机会针对于现在我们薪水可能都会被通膨吃掉所以未来无论在加码或新定的减税政策上我们有没有可能有其他的工具可以使用我了解总统的美意\n\n08:26.795 --> 08:52.123\n但是在外界看到這一句話簡單的一句話當然後來總統有加碼說明是單身加租屋但是無論單身或已婚租屋其實總統當然希望說能適用當然最好因為知道年輕夫妻現在打拚也不容易所以未來我們有沒有可能有更多的加碼或新訂的減稅政策符合賴總統的美意\n\n08:53.783 --> 09:21.584\n你们我们再做其他的思考您刚才提到通膨那其实我们在免税额跟扣除额里面有按照这个那个所谓CPI的调整的一个机制免税额跟标准扣除额都有这样的一个调整机制部长因为我时间很少你直接回应我那另外其他的一个项目其实目前来说比如说像长照的扣除额这个现在都已经有了现在都已经有了你的免税一般扣除额特别扣除额这个例子我都很清楚\n\n09:21.664 --> 09:23.125\n現在只有45%的人是不用賺的\n\n09:51.884 --> 10:09.015\n就沒有這個扣除額啊對不對部長有一些人是單身我沒有能力租房子我必須跟家裡住在一起我就沒有這個扣除額的享受啊所以我的意思是說有沒有更多新的加碼的政策會出來跟委員報告我們其實有302萬戶就是44%的申報戶其實是免繳稅的部長這都是你\n\n10:19.381 --> 10:39.271\n現有的工具我的意思是說你們還有沒有在研擬去符合賴總統的政策減稅去降低年輕人的負擔嗎除了稅之外大家都很重視我們現在年輕人負擔包括新婚夫妻也都負擔越來越重你們有沒有更多的付稅的\n\n10:41.717 --> 11:07.398\n這個減稅的工具加碼的工具要去處理這一塊當然這是我們的目標那除了稅之外還有其他相關的補助其實也都在做譬如說像學費的一些減免以及育兒津貼等等都同時在做我想委員這個部分的關心我們了解那我們也會隨著經濟情勢的變化來做相關的調整經濟情勢每天都在變化今年變化最多但是我就看不到你們有更進一步的政策出來\n\n11:07.978 --> 11:28.869\n所以我還是希望隨時去面對現在的狀況現在的通膨的狀況還有體感經濟的問題我覺得民生都在漲你們要有更多的工具跟手段去處理是謝謝委員指教否則的話說經濟很好但是基層民眾感受不到好謝謝委員的指教謝謝好謝謝李委員我們現在請中央嘉賓委員\n\n","segments":[{"start":0.575,"end":2.029,"text":"專部長還有林董事長"},{"start":6.538,"end":31.646,"text":"刚好两位都是女性应该更可以因为都有家庭都有小孩所以应该都有小孩应该都可以将心比心可以了解我执行这个议题的感受除序大概是我们每个在教育孩子的过程当中大家有个共同的经验我想部长跟董事长应该小时候应该有养过小猪公"},{"start":33.627,"end":57.842,"text":"那個存硬幣大家都有這個經驗那大家你們應該知道我要問什麼前一陣子有一個議題是父母帶著小孩子把養了很多年的豬公廚序小豬公帶去換硬幣那這個事件呢民眾帶著小孩去然後讓他瞭解說存錢的好處我們存了一定的錢然後拿到銀行那換成銀行的這個銀行的本子"},{"start":62.305,"end":84.842,"text":"但是教育孩子的过程当中最后本来是美意教育的一件最后却碰上我们在银行面在面对金融服务的时候因为我们的硬体设备不能跟上我们现在时代的脚步碰到我们银行不是专责来帮你处理这些事情的"},{"start":85.603,"end":113.19,"text":"那当然银行的人力有限可能那个时间点我不知道是不是排队特别多但是民众包括台银事后的回应后面还有很多的客户那你们是基于公平才请民众择日再来但是我只要拿了号码牌一般我们的认知是我只要拿了号码牌有些我办理的业务可能只有三分钟有些我办理的业务是半个钟头"},{"start":114.17,"end":135.885,"text":"我們都是得服務那當下給民眾認為是你們選擇客戶那當然你們或許在人力成本在時間上你們有不同的想法但是我覺得公股銀行是特別是台灣銀行是國家金融體系的門面也是國家金融體系的中流砥柱"},{"start":136.925,"end":164.718,"text":"這樣子的說法在民眾的觀感上就不對我再放一段影片大家都知道國外Coin Star已經很久很久了事實上我知道有一些金融體系早也在推動無論它是放在銀行裡面或者是放在超商裡面丟進去換成全聯的禮券也好馬上一段時間馬上這就是一部機器的問題"},{"start":167.629,"end":187.365,"text":"在國外無論在德國在美國我看到到處Supermarket都有有一些比較大的分行也都有我們台灣銀行是國家金融體系的中流砥柱也是我們金融體系的門面我們這個沒有也就算了但是對於民眾這樣的回應部長董事長你們覺得這及格嗎"},{"start":194.919,"end":199.935,"text":"謝謝委員的指教我想這個部分是不是可以請我們台英董事長來做一個說明好嗎好"},{"start":201.892,"end":213.68,"text":"好 謝謝委員的指教那我說明一下那個當天的狀況因為當天的客戶他是在中午用餐的時間來的不管中午早上就是你們營業的時間你們不會挑客戶吧那因為中午用餐的時間就是同仁會輪班去用餐所以人力上就會有比較吃緊那因為這個客戶他帶來的這個銅板的數量也比較多所以服務的時間也比較長那接著後面有非常多的民眾大概等待非常久"},{"start":228.129,"end":256.145,"text":"所以同仁因為已經服務了很長的一段時間所以才會有那樣的一個反應我想我要講的就是說其實我覺得我們在硬體的改善是先要做那第二就是說我們未來如何在人力成本時間跟效率跟民眾之間如何取得更好的平衡譬如平安講譬如說我們以前公車都是投硬幣現在沒有悠遊卡之前我們投硬幣我不知道你們跟這些業者之間或跟公司之間你們可能會講我們希望你們是下班或四點報完到五點來或八點到九點來"},{"start":257.365,"end":276.701,"text":"你们可能有特殊的这是一个推广但是如何在人力时间效率上取得一个更好的平衡我觉得这个是要思考的第二我觉得在硬体设备这不是难的事情国外都已经有这么久空一杀都已经这么久了"},{"start":277.521,"end":283.729,"text":"跟委員報告其實我們本行呢大概在有十個分行呢沒關係我覺得這個勢必部長我覺得這個整個公股銀行的部分我覺得要提一個更完整的報告我覺得這個應該要第一個加強宣導如何取得一個平衡"},{"start":293.48,"end":311.494,"text":"第二我們在硬體設備的部分如何改善我覺得應該有一個具體的時間出來當然我知道現在硬體的硬幣用的越來越少但還是有人有還是有一些商家有還是有一些小朋友他在存這些硬幣對不對家長所以我覺得應該要提出一個更完整的報告什麼時候可以提出一個完整的報告"},{"start":311.954,"end":316.817,"text":"可以容許我先做一個簡單的說明嗎其實我們目前大概全省有十家分行是設有這個硬幣的存款機所以民眾是可以全省只有十家但是如果說像剛才委員所提的這個案例因為他的那個數量非常大如果民眾有這個需求的時候直接先跟我們打個電話我們可以幫他做一些服務我剛講台銀是我覺得部長我們公股銀行的部分我覺得這個機器"},{"start":339.37,"end":355.051,"text":"不是多少錢的問題也不是說在申請過程很困難有什麼關卡程序我們的營業點就有多少家在比例上以台北市來說12個行政區如果你全台灣台營就只有10家的話那就是十不及其"},{"start":355.752,"end":358.355,"text":"我覺得這個是不及格的部長你了解我意思嗎我住南港我可能要跑到萬華區我開了車還40分鐘我坐公車可能要50分鐘一個鐘頭抱著那麼多的錢搭的公車或捷運才可以去換到我覺得這個是不便民這不符合邏輯所以我才提出說"},{"start":376.733,"end":391.229,"text":"如何去取得一個平衡取得一個更好的改善計畫這是我希望得到的報告可以嗎可以 我知道委員的用意我就覺得說讓民眾如果有零錢不見得很大批有些就不喜歡帶那麼重他就讓他有一個地方可以用存款"},{"start":392.47,"end":415.681,"text":"我覺得這個國外都行之有年我覺得將心比心你們也做了那麼多業務考察我覺得我看到這個新聞是讓我覺得不可思議這是第一點我要問的第二點 董事長請回部長賴總統在國慶的時候提到五萬塊以下明年免稅"},{"start":416.821,"end":425.248,"text":"真的這麼簡單嗎我如果年所得60萬的話很多助理年輕人很多都說60萬我明年不用繳稅部長你同意這句話嗎"},{"start":426.634,"end":436.421,"text":"跟委員報告總統當時有講就是說單身租屋在外租屋然後他月薪五萬元以下那事實上為什麼因為事實上從總統在當院長的時候就開始進行所謂的所得稅制的優化那這包含有關基本生活費部長如果照你這樣子講的話"},{"start":447.709,"end":468.261,"text":"單身租屋的話那就是用44.6萬來扣的話其實每年大概就3萬每個月大概3萬7左右才可以達到那個條件因為我們的扣除額就有達到我清楚其實現有的稅制無論在免稅額扣除額其實本來單身租屋本來就是免稅所以其實"},{"start":471.178,"end":483.384,"text":"總統的美意我覺得他的意思是說未來我們其實在稅制的部分未來有沒有更多的減稅的政策因為本來我們租屋單身租屋本來就有免稅扣除額在裡頭"},{"start":485.465,"end":505.096,"text":"那我们有很多不同的免税扣除所以我的意思是说未来财政部未来有没有机会针对于现在我们薪水可能都会被通膨吃掉所以未来无论在加码或新定的减税政策上我们有没有可能有其他的工具可以使用我了解总统的美意"},{"start":506.795,"end":532.123,"text":"但是在外界看到這一句話簡單的一句話當然後來總統有加碼說明是單身加租屋但是無論單身或已婚租屋其實總統當然希望說能適用當然最好因為知道年輕夫妻現在打拚也不容易所以未來我們有沒有可能有更多的加碼或新訂的減稅政策符合賴總統的美意"},{"start":533.783,"end":561.584,"text":"你们我们再做其他的思考您刚才提到通膨那其实我们在免税额跟扣除额里面有按照这个那个所谓CPI的调整的一个机制免税额跟标准扣除额都有这样的一个调整机制部长因为我时间很少你直接回应我那另外其他的一个项目其实目前来说比如说像长照的扣除额这个现在都已经有了现在都已经有了你的免税一般扣除额特别扣除额这个例子我都很清楚"},{"start":561.664,"end":563.125,"text":"現在只有45%的人是不用賺的"},{"start":591.884,"end":609.015,"text":"就沒有這個扣除額啊對不對部長有一些人是單身我沒有能力租房子我必須跟家裡住在一起我就沒有這個扣除額的享受啊所以我的意思是說有沒有更多新的加碼的政策會出來跟委員報告我們其實有302萬戶就是44%的申報戶其實是免繳稅的部長這都是你"},{"start":619.381,"end":639.271,"text":"現有的工具我的意思是說你們還有沒有在研擬去符合賴總統的政策減稅去降低年輕人的負擔嗎除了稅之外大家都很重視我們現在年輕人負擔包括新婚夫妻也都負擔越來越重你們有沒有更多的付稅的"},{"start":641.717,"end":667.398,"text":"這個減稅的工具加碼的工具要去處理這一塊當然這是我們的目標那除了稅之外還有其他相關的補助其實也都在做譬如說像學費的一些減免以及育兒津貼等等都同時在做我想委員這個部分的關心我們了解那我們也會隨著經濟情勢的變化來做相關的調整經濟情勢每天都在變化今年變化最多但是我就看不到你們有更進一步的政策出來"},{"start":667.978,"end":688.869,"text":"所以我還是希望隨時去面對現在的狀況現在的通膨的狀況還有體感經濟的問題我覺得民生都在漲你們要有更多的工具跟手段去處理是 謝謝委員指教 否則的話說經濟很好但是基層民眾感受不到好 謝謝委員的指教 謝謝好 謝謝李委員我們現在請中央嘉賓委員"}]}}},"gazette":{"lineno":406,"blocks":[["李委員彥秀：（10時9分）請部長跟臺銀的董事長。"],["主席：我們請莊部長還有林董事長。"],["莊部長翠雲：謝謝委員，委員好。"],["李委員彥秀：剛好兩位都是女性，因為都有家庭、都有小孩，所以應該……都有小孩嘛？對不對？好，那應該都可以將心比心、可以了解我質詢這個議題的感受。儲蓄大概是我們每一個人在教育孩子過程中的共同經驗，部長和董事長小時候應該也有養過小豬公……"],["莊部長翠雲：儲蓄筒。"],["李委員彥秀：大家都有存硬幣的經驗。你們應該知道我要問什麼了。前一陣子有一個議題是，父母帶著小孩把養了很多年的豬公拿去臺銀轉換成存摺，要讓他瞭解存錢的好處。本來是美意，也是教育的一部分，最後卻因為銀行金融服務的硬體設備不能跟上時代的腳步，遭行員嗆聲說：銀行不是專責來幫你處理這些事情的！","當然，銀行人力有限，我也不知道那個時間點是不是有特別多人排隊。臺銀事後的回應是，因為後面還有很多客戶，基於公平，你們才請民眾擇日再來。但我們一般的認知是，我只要拿了號碼牌，所要辦理的業務有些可能只要3分鐘，有些則要半個鐘頭，銀行都必須服務，所以當下臺銀讓民眾認為你們選擇客戶。當然，或許在人力成本或時間上，你們有不同的想法，但是公股銀行，特別臺灣銀行是國家金融體系的門面，也是國家金融體系的中流砥柱，這樣的說法就民眾觀感而言就是不對的！","大家都知道國外很久很久以前就有Coinstar，我也知道有一些金融體系早就在推動，有的放在銀行裡面，有的放在超商裡面，譬如民眾到全聯，把銅板丟進去，很快就可以換成禮券，這就是一部機器的問題。在國外，無論德國或美國，我看到supermarket到處都有，比較大的銀行分行也都有。臺灣銀行是我國金融體系的中流砥柱，也是我們金融體系的門面，沒有也就算了，但是對民眾做這樣的回應，部長和董事長，你們覺得及格嗎？"],["莊部長翠雲：謝謝委員的指教，這個部分是不是可以請臺銀董事長來做個說明，好嗎？"],["李委員彥秀：好。"],["凌董事長忠嫄：謝謝委員的指教，我說明一下當天的狀況，因為當天的客戶是在中午用餐時間來的……"],["李委員彥秀：不管中午、早上，就是你們的營業時間，你們不會挑客戶吧？"],["凌董事長忠嫄：是，沒有錯。因為中午用餐時間，我們的同仁會輪班去用餐，人力上就比較吃緊，而這位客戶帶來的銅板數量比較多，我們服務的時間也比較長，後面有非常多民眾大概等待了非常久，因為我們同仁已經服務了很長一段時間，才會有那樣的反應。"],["李委員彥秀：董事長，我要講的是，你們要先做硬體的改善，第二是思考未來如何在人力、成本、時間、效率和民眾之間取得更好的平衡。譬如在沒有悠遊卡之前，我們搭公車都是投硬幣，我不知道你們跟相關業者或公司之間如何安排，你們可能會講：我們希望你們是下班或傍晚4點到5點來，或者是8點到9點來。你們可能有特殊的推廣方式，但是如何在人力、時間、效率上取得一個更好的平衡？我覺得這個是要思考的。第二，我覺得這在硬體設備上並不是困難的事情，國外Coinstar的歷史都已經這麼久了！"],["凌董事長忠嫄：跟委員報告，其實我們大概有10個分行是設有這個……"],["李委員彥秀：沒關係，這個勢必……","部長，我覺得整個公股銀行的部分要提一個更完整的報告，第一，應該要加強宣導，看如何取得一個平衡；第二是硬體設備要如何改善，我覺得應該要有一個具體的時間出來。當然，我知道現在硬幣用得越來越少，但還是有人有嘛！不只是商家有，也有一些家長在教導小朋友存硬幣，所以我覺得應該要提出一份更完整的報告。請問什麼時候可以提出一個完整的報告，說明怎麼樣去解決或改善？"],["凌董事長忠嫄：委員可以容許我先做一個簡單的說明嗎？其實我們目前全省有10家分行設有硬幣存款機，所以民眾可以……"],["李委員彥秀：全省只有10家啊？"],["凌董事長忠嫄：但如果是像委員剛才所提的案例，因為它的數量非常大，如果民眾有這個需求的時候，可以直接先跟我們打個電話，我們可以特別為他服務。"],["李委員彥秀：部長，我覺得對公股銀行而言，這個機器不是多少錢的問題，也不是申請起來很困難或是有什麼關卡、程序，你們的營業點就有多少家啊！在比例上，以臺北市來說，有12個行政區，如果臺銀在全臺灣就只有10家分行、10部機器，我覺得這是不及格的！部長，你瞭解我的意思嗎？我住南港，可能要跑到萬華區，開車要40分鐘，坐公車可能要50分鐘或1個鐘頭，抱著那麼重的硬幣，搭公車或捷運才可以兌換到，我覺得這樣不便民，也不合邏輯，所以我才希望你們就如何取得平衡提出改善計畫，這是我希望得到的報告內容，可以嗎？"],["莊部長翠雲：可以，我知道委員的用意。我是覺得，民眾如果有零錢，不見得很大批，有時候就是不喜歡帶得那麼重，可以讓他有一個地方存款，用硬幣存款機把它存進去，我覺得這可以……"],["李委員彥秀：這在國外已經行之有年，將心比心……"],["莊部長翠雲：這個部分我們主動來……"],["李委員彥秀：你們也做了那麼多業務考察！看到這則新聞真的讓我覺得不可思議。以上是我要問的第一點，董事長請回。","第二點，賴總統在國慶的時候提到明年月薪5萬元以下免稅，真的這麼簡單嗎？如果標準是年所得60萬元的話，很多助理、年輕人都說自己明年不用繳稅了。部長，你同意這句話嗎？"],["莊部長翠雲：跟委員報告，總統當時有講，這是單身、在外租屋、月薪5萬元以下。為什麼呢？因為事實上總統從在當院長的時候就開始進行所得稅制的優化，包含基本生活費……"],["李委員彥秀：部長，照你這樣講的話，單身租屋就是用44.6萬元來扣，其實每個月大概3萬7,000元左右才合乎那個條件……"],["莊部長翠雲：因為我們的扣除額就有達到這麼高……"],["李委員彥秀：我清楚，其實現有的稅制，無論是免稅額、扣除額，單身、租屋本來就是免稅，所以對於總統的美意，我覺得他的意思是說，未來我們在稅制的部分有沒有更多減稅的政策？因為單身、租屋本來就有免稅額、扣除額在裡頭，我們有很多不同的免稅額、扣除額，所以我的意思是說，針對現在薪水可能會被通膨吃掉的狀況，未來無論是在加碼或者是新的減稅政策上，財政部有沒有其他的工具可以使用？我瞭解總統的美意，但是外界看到簡單的這句話……雖然總統後來有說明是指單身加租屋，但是無論單身或已婚租屋，總統當然是希望能適用最好，因為他知道現在年輕夫妻打拚不容易，所以未來有沒有可能有更多加碼或新的減稅政策來符合賴總統的美意？你們有沒有在做其他的思考？"],["莊部長翠雲：委員剛剛也提到通膨，其實我們在免稅額和扣除額裡面有按照CPI的調整機制，免稅額和標準扣除額都有這樣的調整機制……"],["李委員彥秀：部長，因為我時間很少，請你直接回應我。"],["莊部長翠雲：是。另外，其他的項目，目前來說，比如長照扣除額……"],["李委員彥秀：這個現在都已經有了。"],["莊部長翠雲：都已經在做了，而且額度……"],["李委員彥秀：你們免稅額、一般扣除額、特別扣除額，我都很清楚……"],["莊部長翠雲：明年會適用新的額度，從12萬到18萬……"],["李委員彥秀：這個我也都知道。除此之外，還有沒有其他新的減稅或加碼的政策？你們有沒有在思考？"],["莊部長翠雲：這個部分我們來……"],["李委員彥秀：因為總統已經說出來了，外界就會說，月薪5萬，一年60萬，其實很多是看得到、吃不到，譬如說我單身，但是我也付不起房租，我住家裡，所以就沒有這個扣除額啊！對不對？部長，有一些人是單身，因為沒有能力租房子，必須和家人住在一起，這樣就不能享有這個扣除額啊！所以我的意思是說，有沒有更多新的加碼的政策會出來？"],["莊部長翠雲：我們其實有302萬戶，就是44%的申報戶其實是免繳稅的。"],["李委員彥秀：部長，這都是你們現有的工具，我的意思是，你們還有沒有研擬符合賴總統的政策，就是減稅去降低年輕人的負擔？"],["莊部長翠雲：除了稅之外……"],["李委員彥秀：不要說賴總統，大家都很重視，現在年輕人、包括新婚夫妻的負擔也都越來越重，你們有沒有更多賦稅的減稅工具、加碼的工具去填補這一塊？"],["莊部長翠雲：跟委員報告，當然，這是我們的目標，除了稅之外，還有其他相關的補助其實也都在做，譬如像學費的減免、育兒津貼等等都同時在做。我想委員對這部分的關心，我們了解，也會隨著經濟情勢的變化做相關的調整，謝謝委員指教。"],["李委員彥秀：經濟情勢每天都在變化，今年變化最多，但是我就看不到你們有更進一步的政策出來。所以我還是希望你們要隨時面對現在的狀況、現在通膨的狀況，還有體感經濟的問題，我覺得民生都在漲，你們要有更多的工具及手段去處理。"],["莊部長翠雲：謝謝委員指教。"],["李委員彥秀：否則的話，說經濟很好，但是基層民眾感受不到，好不好？謝謝。"],["莊部長翠雲：好，謝謝委員的指教，謝謝。"],["主席：謝謝李委員。","現在請鍾佳濱委員。"]],"agenda":{"page_end":238,"meet_id":"委員會-11-4-20-2","speakers":["李坤城","林德福","吳秉叡","賴士葆","郭國文","賴惠員","李彥秀","鍾佳濱","顏寬恒","林思銘","王世堅","楊瓊瓔","鄭天財Sra Kacaw","葉元之","邱志偉","黃珊珊","蔡易餘","林楚茵","羅明才","陳玉珍"],"page_start":183,"meetingDate":["2025-10-16"],"gazette_id":"1148401","agenda_lcidc_ids":["1148401_00005"],"meet_name":"立法院第11屆第4會期財政委員會第2次全體委員會議紀錄","content":"邀請財政部莊部長翠雲率所屬機關首長暨國營事業董事長、總經理（含各轉投資事業機構公股代\n表之董、監事）列席業務報告，並備質詢","agenda_id":"1148401_00004"}}}