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那我們也會把我們對公司治理的一個方向呢 要定期向董事會報告這個我可以肯定那的確在您的這個治理之下 我想各項部長是貸前或貸後啊 那個管理都還不錯所以才會明鏈前茅那彰化銀行那個雲林董事長 您是如何辦到的"},{"start":90.288,"end":107.438,"text":"謝謝委員的肯定那其實我們彰化銀行對整個公司治理面是非常非常的重視那在董事會下面我們也設了這個永續發展委員會所以所有跟公司治理相關的一些事項我們也會在永續發展委員會當中邀集所有的"},{"start":107.898,"end":137.382,"text":"因為這個委員會的召開是我們行內先召開所以所有的各層級的總行內各層級的部署的主管都要來參加所以公司治理不是只有說我們總務處或秘書處來做這些事情而已而是所有的部署裡面他們要貫徹一下我們對這個問題的一個重視所以是全行都能夠動員那執行的成果我們也會提交到董事會來讓董事會董事的成員、所有的董事們都可以知道那我們大概做了些什麼"},{"start":138.442,"end":166.23,"text":"董事長繼續努力啦其他另外四家公務銀行也是在第二級距表現都還不錯我是在第一級距喔我知道啦其他四家在第二級距表現也不錯六家公務銀行表現都不錯來請財政部莊部長有請莊部長然後負稅署宋署長宋署長委員好從這比喻上好像女性的董事長好像比較傑出喔"},{"start":168.571,"end":192.992,"text":"存儲巧合我想六位董事長都非常傑出都是公司治理的搶手那我問一下這個復改會上一次召開15年前有沒有可能在最近整體的財經結構、人口結構、社會經濟結構有那麼大的轉變之那租稅制度是不是要與時即進做一些調整15年那麼貴"},{"start":195.04,"end":202.544,"text":"對於稅制的一個變革我們事實上都是持續的在滾動檢討在107年做了一個大幅的所得稅制優化之後那這幾年間也都有做一些變化比如像人口結構的變化也有比如說像我們對於學前幼兒特別扣除額"},{"start":220.868,"end":221.428,"text":"金管會彭主委"},{"start":249.498,"end":268.394,"text":"主委關於油資的氾濫臺灣資金很多包括售行業包括海外回來的我們鈔額儲蓄也非常高投資相對是保守這種狀況對油資的管理金管會有沒有比較具體的做法"},{"start":269.42,"end":275.403,"text":"現在有關保險業的投資根據保險法146條的相關規定來辦理確實我們保險業過去的資金面臨到很多限制就是國內的投資不足國外有很多匯損的影響"},{"start":289.059,"end":311.874,"text":"主要是國內的可投資標的比較少那你們目標國內投資率會達到什麼樣水平現在說長期都低於30%那您的目標國內投資率要提高到多少這個現在的部分我們對這個數字我們當然希望針對主要是比如說引導保險資金能夠回到比如說台灣比較需要的工件"},{"start":312.634,"end":312.774,"text":"邱志偉"},{"start":329.652,"end":348.05,"text":"兩照你必須要靠國內民間的資金來參與國內的基建確實你要有配套你要有引導你要有誘因另外這個證交所櫃買跟期交所跟吉寶目前各自為證未來整合的可能性跟時針表您的規劃是怎麼樣"},{"start":349.912,"end":357.177,"text":"整合有它的必要性,也有它的競爭力的優勢。您的時程規劃是怎麼樣?您的具體做法是如何?"},{"start":374.148,"end":395.79,"text":"這個其實我們有討論過,主要是我們有看各國這個比如交易所的整併其實啊,它並不是說都是好的啦有沒有必要性,就整個台灣的狀況其實我們現在初步的評估現在的運作應該是可以維持現在的做法啦那20年前就有很多學者倡議啊,您當也是學者出身,您個人看法呢?"},{"start":396.511,"end":422.759,"text":"我個人對這個是沒有過去比較少討論這件事情不過我們內部有討論因為主要是我們現在交易所有很多的那個特殊比如說他們的組織型態都不同要做整合其實上也是有它實質上的困難那你現在要成立這個金融發展局或金融發展處對不對發展重於監理或者說發展跟金融發展跟金融監視要平衡對不對是"},{"start":423.496,"end":450.41,"text":"那你這個金融發展局金融發展處的目前的時程規劃現在主要是這樣因為我們受限於整體中央部會的這樣的組織設計上次也有委員說能夠未來若有機會的話我們朝向成立一個部的這個方向來研議那否則我們現在就受限於這樣要成立一個局現在是有實質的困難所以我們會這樣結論就是說成立這個局有困難這是你的想法但是做不到是不是"},{"start":451.19,"end":453.612,"text":"現在還需要有共識這一塊那至於說比如金管會內呢成立一個專責的比如說我們的金融發展與科技創新處的話這個部分我們在研議中"},{"start":469.248,"end":469.428,"text":"邱志偉議員"},{"start":494.503,"end":494.624,"text":"張志榮委員"}]}},"supported_relations":[],"relations":[]}