{"error":false,"id":["150784"],"data":{"IVOD_ID":150784,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/150784","日期":"2024-04-01","會議資料":{"會議代碼":"委員會-11-1-20-6","會議代碼:str":"第11屆第1會期財政委員會第6次全體委員會議","屆":11,"會期":1,"會次":6,"臨時會會次":null,"種類":"委員會","委員會代碼":[20],"委員會代碼:str":["財政委員會"],"標題":"第11屆第1會期財政委員會第6次全體委員會議"},"影片種類":"Clip","開始時間":"2024-04-01T11:40:40+08:00","結束時間":"2024-04-01T11:52:15+08:00","影片長度":"00:11:35","支援功能":["ai-transcript"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/01d093d00f1a07c06263b4efdcfc9a90ee14ad7ded5d841af8ba9b0039caa7a6f02b5e2f8307a2845ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"伍麗華Saidhai Tahovecahe","委員發言時間":"11:40:40 - 11:52:15","會議時間":"2024-04-01T09:00:00+08:00","會議名稱":"立法院第11屆第1會期財政委員會第6次全體委員會議（事由：邀請財政部莊部長翠雲、金融監督管理委員會黃主任委員天牧、內政部、國家發展委員會就「如何積極推動金融業投注國內公共建設，並達成社宅百萬戶之政策目標」進行專題報告，並備質詢。\n【4月1日及3日二天一次會】）","transcript":{"pyannote":[{"speaker":"SPEAKER_03","start":0.03096875,"end":0.52034375},{"speaker":"SPEAKER_02","start":0.70596875,"end":1.8872187500000002},{"speaker":"SPEAKER_02","start":2.1234687500000002,"end":3.42284375},{"speaker":"SPEAKER_02","start":3.72659375,"end":5.43096875},{"speaker":"SPEAKER_02","start":6.0553437500000005,"end":7.54034375},{"speaker":"SPEAKER_02","start":7.82721875,"end":10.324718750000002},{"speaker":"SPEAKER_02","start":10.645343750000002,"end":12.113468750000003},{"speaker":"SPEAKER_01","start":13.699718750000002,"end":16.973468750000002},{"speaker":"SPEAKER_02","start":16.973468750000002,"end":48.29346875},{"speaker":"SPEAKER_02","start":48.85034375,"end":53.018468750000004},{"speaker":"SPEAKER_02","start":53.76096875,"end":62.14784375000001},{"speaker":"SPEAKER_01","start":62.14784375000001,"end":62.164718750000006},{"speaker":"SPEAKER_01","start":62.31659375,"end":67.80096875000001},{"speaker":"SPEAKER_02","start":65.69159375000001,"end":66.16409375},{"speaker":"SPEAKER_01","start":68.23971875000001,"end":69.10034375000001},{"speaker":"SPEAKER_03","start":70.12971875000001,"end":82.60034375000001},{"speaker":"SPEAKER_02","start":82.60034375000001,"end":91.12221875},{"speaker":"SPEAKER_03","start":82.61721875,"end":83.34284375},{"speaker":"SPEAKER_03","start":84.91221875000001,"end":85.57034375},{"speaker":"SPEAKER_02","start":92.15159375,"end":93.65346875},{"speaker":"SPEAKER_02","start":94.17659375000001,"end":128.36534375},{"speaker":"SPEAKER_01","start":130.99784375000002,"end":138.03471875},{"speaker":"SPEAKER_02","start":135.28409375,"end":135.40221875},{"speaker":"SPEAKER_02","start":137.05596875,"end":143.04659375},{"speaker":"SPEAKER_01","start":144.32909375,"end":146.35409375},{"speaker":"SPEAKER_02","start":146.35409375,"end":157.06971875000002},{"speaker":"SPEAKER_02","start":157.54221875000002,"end":174.13034375},{"speaker":"SPEAKER_02","start":174.83909375000002,"end":178.97346875000002},{"speaker":"SPEAKER_02","start":179.73284375,"end":203.00346875000002},{"speaker":"SPEAKER_01","start":203.15534375000001,"end":210.09096875},{"speaker":"SPEAKER_02","start":210.09096875,"end":210.49596875},{"speaker":"SPEAKER_01","start":210.49596875,"end":211.64346875},{"speaker":"SPEAKER_02","start":211.17096875000001,"end":213.26346875000002},{"speaker":"SPEAKER_01","start":213.26346875000002,"end":219.87846875000002},{"speaker":"SPEAKER_02","start":217.93784375,"end":221.63346875000002},{"speaker":"SPEAKER_01","start":221.63346875000002,"end":224.89034375000003},{"speaker":"SPEAKER_02","start":225.68346875,"end":240.88784375},{"speaker":"SPEAKER_01","start":242.62596875000003,"end":251.60346875000002},{"speaker":"SPEAKER_02","start":247.87409375000001,"end":248.75159375},{"speaker":"SPEAKER_01","start":251.80596875,"end":253.13909375000003},{"speaker":"SPEAKER_02","start":253.08846875,"end":256.88534375},{"speaker":"SPEAKER_01","start":253.17284375000003,"end":253.18971875000003},{"speaker":"SPEAKER_01","start":258.13409375000003,"end":259.11284375},{"speaker":"SPEAKER_01","start":259.34909375,"end":268.32659375000003},{"speaker":"SPEAKER_02","start":263.24721875,"end":264.56346875},{"speaker":"SPEAKER_02","start":265.67721875,"end":265.96409375},{"speaker":"SPEAKER_02","start":266.68971875,"end":280.45971875000004},{"speaker":"SPEAKER_01","start":279.46409375,"end":283.19346875},{"speaker":"SPEAKER_02","start":281.48909375,"end":282.23159375},{"speaker":"SPEAKER_02","start":282.70409375,"end":288.55971875},{"speaker":"SPEAKER_01","start":288.84659375,"end":290.44971875000005},{"speaker":"SPEAKER_02","start":289.72409375,"end":290.38221875},{"speaker":"SPEAKER_02","start":295.90034375000005,"end":328.99221875},{"speaker":"SPEAKER_02","start":329.90346875,"end":349.66409375},{"speaker":"SPEAKER_00","start":350.89596875,"end":365.44221875000005},{"speaker":"SPEAKER_02","start":363.70409375,"end":363.97409375},{"speaker":"SPEAKER_02","start":365.44221875000005,"end":377.03534375000004},{"speaker":"SPEAKER_00","start":377.03534375000004,"end":377.71034375000005},{"speaker":"SPEAKER_00","start":378.40221875000003,"end":384.91596875000005},{"speaker":"SPEAKER_02","start":382.23284375000003,"end":383.46471875000003},{"speaker":"SPEAKER_02","start":384.19034375,"end":389.47221875},{"speaker":"SPEAKER_00","start":389.47221875,"end":394.34909375},{"speaker":"SPEAKER_02","start":390.02909375,"end":390.06284375},{"speaker":"SPEAKER_02","start":390.11346875000004,"end":390.19784375},{"speaker":"SPEAKER_02","start":393.72471875,"end":398.56784375},{"speaker":"SPEAKER_02","start":398.92221875,"end":407.29221875},{"speaker":"SPEAKER_02","start":407.66346875000005,"end":410.34659375},{"speaker":"SPEAKER_02","start":410.38034375,"end":412.55721875},{"speaker":"SPEAKER_02","start":412.89471875000004,"end":435.32159375000003},{"speaker":"SPEAKER_02","start":436.70534375000005,"end":438.69659375000003},{"speaker":"SPEAKER_00","start":443.16846875000005,"end":447.92721875},{"speaker":"SPEAKER_02","start":447.92721875,"end":454.64346875},{"speaker":"SPEAKER_00","start":454.32284375,"end":456.73596875000004},{"speaker":"SPEAKER_02","start":456.39846875,"end":460.24596875000003},{"speaker":"SPEAKER_00","start":460.24596875000003,"end":469.13909375000003},{"speaker":"SPEAKER_02","start":468.73409375000006,"end":476.15909375},{"speaker":"SPEAKER_02","start":476.37846875,"end":482.45346875},{"speaker":"SPEAKER_02","start":483.02721875000003,"end":486.99284375},{"speaker":"SPEAKER_02","start":487.63409375000003,"end":510.63471875000005},{"speaker":"SPEAKER_02","start":511.30971875000006,"end":512.99721875},{"speaker":"SPEAKER_00","start":513.43596875,"end":516.33846875},{"speaker":"SPEAKER_00","start":516.5578437500001,"end":519.1397187499999},{"speaker":"SPEAKER_00","start":519.3759687500001,"end":542.49471875},{"speaker":"SPEAKER_00","start":542.7478437500001,"end":546.6965937500001},{"speaker":"SPEAKER_02","start":546.6965937500001,"end":565.8328437499999},{"speaker":"SPEAKER_03","start":557.86784375,"end":559.09971875},{"speaker":"SPEAKER_02","start":566.71034375,"end":575.85659375},{"speaker":"SPEAKER_00","start":576.58221875,"end":603.4809687500001},{"speaker":"SPEAKER_02","start":602.6709687499999,"end":602.70471875},{"speaker":"SPEAKER_02","start":603.0759687500001,"end":609.87659375},{"speaker":"SPEAKER_02","start":610.3997187500001,"end":616.0359687499999},{"speaker":"SPEAKER_00","start":616.0359687499999,"end":617.9934687500001},{"speaker":"SPEAKER_02","start":618.3984687500001,"end":680.59971875},{"speaker":"SPEAKER_00","start":624.82784375,"end":625.38471875},{"speaker":"SPEAKER_00","start":631.8984687500001,"end":632.4384687500001},{"speaker":"SPEAKER_00","start":680.59971875,"end":681.5278437500001},{"speaker":"SPEAKER_02","start":681.5278437500001,"end":687.1640937500001},{"speaker":"SPEAKER_00","start":683.3334687500001,"end":684.3628437500001}],"whisperx":[{"start":0.929,"end":29.064,"text":"主委好請教一下主委您有沒有接到就是這些銀行要借錢給你貸款給你的電話有沒有常常接到有過一兩次沒有經常我自己是經常啦大概每兩三天大概都會接到一次那我知道的是其實在去年10月銀行公會呢已經有發布一個銀行業"},{"start":29.904,"end":34.308,"text":"提供表達停止、行銷管道等等我是在想這個部分其實很多的民眾還不知道"},{"start":53.763,"end":67.313,"text":"他可以去進行客訴或者表達拒絕那這個部分是不是金管會這邊有去做一些宣導應該有我是不是可以請局長跟您做一個說明沒關係就有沒有就好了"},{"start":70.408,"end":90.799,"text":"報告委員這是去年剛完成的所以銀行他會有一個納入內部作業規範的時間那這個部分的話我是希望宣導要多做一點讓我們民眾知道那甚至是民眾是希望說可不可以請你們監督管理一下"},{"start":97.762,"end":119.168,"text":"對很多人來講他上班時間漏接因為那個都是正常的電話號碼所以很多人其實是非常的困擾希望監管會這個地方針對這個部分能夠多注意那除了電話行銷之外呢其實網路的廣告也是讓人不生其擾像我們來看這個某個銀行他上面呢是用什麼現實"},{"start":121.369,"end":142.723,"text":"所以會讓人家覺得說很有誘因那請教一下信用貸款可以用現實行銷嗎他是一個銷售的一個策略吧就是用時間讓你覺得那他可以用他用這種方式去誘使一些沒有需求的人就真的來貸款一下"},{"start":144.349,"end":145.59,"text":"沒有需求就不要戴了"},{"start":174.869,"end":202.317,"text":"我們一看又重新倒數29天幾小時然後等到他真的去貸款的時候合約書呢就列出他原本說利率是1.98嘛結果呢他就會列出1.98至15.99到高利貸的一個上限然後還有開辦費本來說是0元現在變成9000元那不曉得這樣有沒有違反我們的金融消費者保護法的第8條"},{"start":203.517,"end":224.697,"text":"委員跟您報告如果從這個頁面上看他應該不是金融機構他是個代辦貸款的公司那所以金管會管不上的意思我們沒有管可是我們有宣導民眾不要隨便跟代辦貸款公司做往來那一般的民眾他可以去分辨嗎有啊金融機構就有金融機構的名字這邊沒有名字"},{"start":225.891,"end":239.92,"text":"我們的消費者要如何從那麼重的我們都不是財經的專家我們要怎麼樣去分辨因為事實上現在太多人被詐騙然後這個衍生的惡性循環其實是蠻嚴重的"},{"start":242.662,"end":243.183,"text":"其實網路上這樣的很多阿"},{"start":258.168,"end":282.817,"text":"抱歉因為我有點看不清前面有講到凱基可是這邊看到的我本來不想講嗎右邊的是凱基對但是貓年101這個不是什麼沒有關係主委我的意思是說其實這些就是一種提醒那這些都是來自於我們的民意那希望我們金管會在這個部分也能夠去做一個協助有我想我們會照委員的提示去處理好"},{"start":283.317,"end":283.457,"text":"財政部長"},{"start":295.919,"end":324.094,"text":"委員好部長好我們今天的專報是來安排說我們怎麼樣積極推動金融業來投注國內的公共建設那今天的報告裡面我看到第二頁第三頁呢都重複了一段話本部將持續督導各公股金融事業與符合法規下在同融資評估過程中納入ESG因子等等點那我其實是想要先請教一下"},{"start":325.294,"end":325.814,"text":"我想這兩部分都非常重要"},{"start":353.823,"end":376.986,"text":"那建訴就表示他們參與的案數是多的那於而表示民間需要的一個資金融通的部分我們公股行庫所給予的一個貸款好那我想要先請教一下在座的各位公股行庫的董事長總經理您支持並且願意投入國家公共建設的可不可以舉個手"},{"start":378.784,"end":398.098,"text":"跟委員報告不好意思今天因為我們並沒有請過沒有邀請嗎是是是不好意思那依您看他們有很支持投入我們的國家公共建設嗎是的我們的公股行庫其實基本上也擔負有國家相關的一些政策好那我們來看一下齁我這邊看到的資料是"},{"start":399.039,"end":416.056,"text":"公股行庫誰最挺公共建設如果以建數來看的時候第一名是第一銀行35件第二名土銀第三名彰化銀行最後一名是台銀一件那如果說以金額來看的話"},{"start":417.017,"end":438.44,"text":"第一名是趙峰495億第二名台銀第三名第一銀最後一名是輸出入銀行26億那我想要請教一下部長這個台灣銀行如果說作為百分百的政府持有的公股行庫他投入只有一件可不可以請部長幫忙說明一下"},{"start":444.327,"end":458.285,"text":"雖然台灣銀行是一件但它的金額有425億所以我就是想要請教一開始問您您覺得件數比較重要還是餘額比較重要我覺得這兩樣都重要所以在您來看台灣銀行這樣是沒問題的"},{"start":461.208,"end":486.241,"text":"如果這個案子確實有資金融通需要而且也符合他們重大公共建設的範圍當然我覺得也是蠻重要的那再請教一下部長那這些保險業的資金投入呢我們大家都知道保險業的資金很多很多33兆那過去礙於法規他大部分都是在國外然後等於是幫別的國家投資重大的基礎建設"},{"start":487.722,"end":508.001,"text":"然後又要花很多的錢去做一些避險說實在很划不來很不值得那想請教一下部長你認為保險業他要進入到我們的公共建設他是有什麼障礙嗎儘管我們看到儘管會已經做很多努力了包括將這一些保險業派任的放寬還有這個風險係數的調降等等那您看還有什麼困難"},{"start":513.659,"end":537.571,"text":"跟委員報告保險業資金投資到公共建設這個部分我們不管是我們的促參的部分的相關的法規還有我們金管會這邊相關的法規其實都一直在完備及友善但如果提到我們的公股行庫裡面的所謂的人壽部門的話目前並沒有在投資這個國內公共建設主要原因是他們的"},{"start":538.391,"end":539.532,"text":"您剛才也幫他們說那我就是想要請教一下因為您一開始您的業務報告"},{"start":566.755,"end":573.92,"text":"因為應該是很重要你才會重複兩次你說會持續督導那我是想知道說有沒有去具體規劃一些投資標的"},{"start":577.058,"end":599.97,"text":"具體規劃投資標的我想這個部分涉及到我們相關的金融事業裡面他們的一個公司治理去選擇那財政部基於股權管理的話不會去指導他們去做哪一些項目那當然比如說像社會住宅這一次那個連帶案裡面那因為住都中心他是我們國家在推動社會住宅的一個相當重要的一個行政法人"},{"start":603.273,"end":617.647,"text":"請教部長除了社會住宅其實現在高齡化安養機構的需求量也很大那也許他們也會很想要投入長照那法規上面有沒有障礙目前來說我們的法規沒有限制"},{"start":618.628,"end":634.06,"text":"他們願不願意投入你們要怎麼督導怎麼引導部長因為時間到我是這樣子想我是希望說我們其實有時候我們在教育界就考試引導教學了所以評鑑其實是很重要"},{"start":635.18,"end":657.91,"text":"我們來看一下我們的這些董總的績效評鑑其實像出席董事會會議對事業機構的經營成果配合政府政策達成目標那像這個部分配分18分可是就沒有去獨立計分針對這些投入公共建設的部分那我想這些其實都很重要甚至是我之前"},{"start":658.57,"end":681.154,"text":"第一次我有跟特別質詢就是提到您我那時候也要求說兩個月給回覆像一些包括我們的公共銀行能不能帶頭乘坐這些原住民保留地等等怎麼樣去做誘因做加分那部長我是希望說這些部分希望我們的財政部都能夠來研議看看好不好好的謝謝委員好謝謝部長謝謝吳立海委員的質詢請接著我們請黃珊珊委員質詢"}]}},"supported_relations":[],"relations":[]}