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金民間儲蓄的金額是一千多億一個大概十萬人的地方儲蓄存款這不是算投資不是算房地產就存在銀行的現金今天如果每個人都去領可以領一千多億出來"},{"start":113.436,"end":139.044,"text":"所以說這原因當然你不能說金門賺比較錢因為金門所得是比較低的相對臺灣平均是比較低的但可以存這麼多錢其實另外一個角度來看就是因為我們金門非常缺乏投資的管道所以當然看到LINE上面網路上有一些說這個某某某可能名人或什麼有什麼訊息投資很多尤其很多儲蓄人都是比較公教人員退休的比較省吃儉用實際上我也接到陳情安"},{"start":140.845,"end":160.783,"text":"相信就被詐騙就會去投資還給人家面膠什麼這一類的因為不知道說這些東西是詐騙那這個東西造成這個事實上很大的影響那我們看到你們金管會在做的在阻絕詐騙方面你們有十大面向比如林貴林貴這個有做有一點成績林貴攔詐銀行賬戶管控"},{"start":163.365,"end":177.85,"text":"第三方支付、虛擬貨幣信用卡、完善、虛擬貨幣等等很多的東西我看到你們在做這個防詐的部分當然有做一些努力但是我們看到了在金管會"},{"start":178.37,"end":200.622,"text":"一百一十二年十一月十五號那時候有請銀行公會做一個移設詐騙境內金融帳戶的預警機制你們要有七家本國銀行先行事辦其他本國銀行將陸續上線即便你們這樣做審計部在你們這個這個算防詐是重要施政的這個查核報告裡頭有說這個預警機制就是設詐境內的帳戶預警機制轉入帳戶的灰色名單的平台還要"},{"start":205.945,"end":219.861,"text":"持續追蹤辦理、研議、擴大金融機構辦理首長請問說你們這個機制現在的進度是如何現在這個陳副委員關心我們有兩個一個是移設詐欺境外帳戶因為實施成效不錯那從我們111年開始做"},{"start":221.983,"end":249.193,"text":"原來7家現在有擴大嗎有有有我們接下來馬上會增加10多家明年應該全部都會全面性明年是110人就全面性的會實施對就是境內疑似帳戶的那個預警帳戶這個其實是真的蠻重要的這樣子就是被詐騙的話匯進去剛吳中興委員說很多人債務不是你抓到就抓翻是被詐騙是不是可以拿回來這個其實很重要然後你們的業務報告"},{"start":250.873,"end":277.06,"text":"這個要繼續努力,詐騙大概是太猖獗了第二個你們的郵報有提到說對高齡金融的這個行動措施這個高齡經濟或者現在所說的這個壯世代我也希望你們要繼續提出一些措施不要讓這些高齡的這些長者或是壯世代推銷人的錢都變得好像那個詐騙集團眼中的這個肥一樣這一點可能你們要再提出很多的這個措施這個請您要繼續努力"},{"start":278.32,"end":302.835,"text":"然後接著我們提到我們上次提到一個你準備做一個TISA嘛退休準備規劃的這個帳戶齁那上回我聽到您在說當主席聽到您在說日本的NISA是稅嘛那因為我們本來就沒有什麼資本利得啊這個證交就不用稅證交所得就不用繳稅那所以爭取租稅減免在臺灣比較困難這上回你說的嘛爭取額外外加的就外加比較困難因為本來就有些稅是"},{"start":304.095,"end":318.948,"text":"這個跟日本可能就不一樣但是你看到日本你也知道日本是今年已經擴大到免稅期間無限期免稅投資金額達到1800萬日元在台灣這個要做亞洲資產管理中心或者說我們要做一個金融特區的這個情況下"},{"start":320.829,"end":349.602,"text":"如果只是像很多委員說你是把所有的優惠包在一起是只是讓好像禮專讓一些禮專當然有更系統性的去介紹相關的金融產品當然賺其中的手續費以外這個對國人現在國人的誘因在哪裡啊感覺就是沒有什麼特別的誘因啊為什麼國人要特別去參加你這個TISA的這個賬戶沒有誘因啊我們上回上個禮拜討論過很多嘛是是是"},{"start":351.242,"end":375.79,"text":"當然就是說我們剛剛也有人關心這個問題就是因為確實我們的稅制比較特別對我上個禮拜講過所以我知道說因為本來資本利得我們本來就沒有稅但是如果你沒有一點點誘因的話不管不一定說稅或者是一些政策上的一些什麼誘因的話你要退這個會非常辛苦我們都希望你成功我們都希望這個臺灣戰爭成為亞洲資產公司但是說在地緣政治上有一些比較辛苦的還有"},{"start":377.35,"end":404.415,"text":"政策嘛 政策我們可以協助說立法院該修什麼法我們大家一起來推動但是你也要讓百姓覺得他可以接受或他願意去做這件事情啊你有什麼秘方嗎或你有什麼想法嗎現在好 各位委員報告謝謝委員的支持我想剛剛提到我們這個部分我們先把這個制度建起來我們持續的去找到各式各樣的誘因比如說剛剛講其實我們也並不放棄其他任何的我們也在持續在加商"},{"start":406.797,"end":422.888,"text":"你隨便講一點看有什麼你覺得比較困難的需要我們協助比如說我舉例講這個稅來講對不對稅來講你們也許不好意思說因為同樣是部會經過立法院財政部可能說我堅持本來已經免稅不能再優惠不能再怎麼樣"},{"start":423.328,"end":444.039,"text":"譬如說我假設我們參考國外對於所謂的第二層的部分他們有像我們比如說我們現在已經有自提6%的那個就是自提6%可以遞減課稅那說不定可以朝這個方向來努力有沒有新增其他的稅務因為其他國家都有第二層的這樣的一個規劃我上面上個禮拜聽了一下稅領恩比如說我們財源部的時候我們27萬的儲蓄免稅對不對27萬那個什麼免稅"},{"start":447.941,"end":473.31,"text":"因為你也可以在某個部分再做一樣不然你做27萬免稅大家就一直去要做到那個額度就存款嘛因為都有免稅你這個優惠可以換成是別的啊對不對對稅屬你來講也不一定會有那麼大的稅屬嘛這問題就在27萬額度之內說不定可以做一些不增加新的稅務有沒有可能做到這一點我給一些什麼樣的政策讓這個你的提撒才可以推得成嘛當然如果只是把所有東西包一包放在某個地方我看所有的委員都說聽了20幾年啊"},{"start":475.111,"end":492.763,"text":"大家就會覺得好像舊瓶裝新酒事實上也是舊酒也了無新意你要推動也非常困難我們大家都希望這個是可以成功但是總是有一種如果是政府的一些平行部門沒有辦法做我們可以來協助你們要提出一些想法立法委員都希望社會進步的"},{"start":494.425,"end":512.723,"text":"那講到這個資產管理中心大家都有提到但你也說其他很多縣市都可以做那當然現在討論的比較多是高雄那高雄的話那如果講高雄當初說的是說我不知道你們用什麼樣的規劃是用境外資產管理特區規劃呢還是會利用自由貿易港區設置管理條例的14條來解套"},{"start":514.384,"end":535.294,"text":"這是雙軌的 剛剛提到就是說假設用我們現在金管會所能用的政策工具跟地方政府能夠用的政策工具我們是不需要動用到這個所謂的這個自由貿易港區設置條例這是其中一個那另外一個呢當然還有自由貿易港區設置條例第14條第一項它可以有一個設置一個對外國的資產管理公司那交通部的意見呢"},{"start":535.934,"end":552.166,"text":"交通部初步來看我們正在溝通中溝通就是說事實上我知道上次在院一邊提出來這個院紀的就是部會之間提出來說我相信交通部好像對之間有保留吧沒有我們是持樂觀的態度你們持樂觀交通部呢那當然我聽到他們說好像不怎麼適用吧"},{"start":553.026,"end":579.263,"text":"我聽到了如果我的訊息是不正確的我還是希望你們可以過啦所以說如果這部分也需要跨部會溝通你也可以請立法院相關的其他單位也可以來協助嘛對不對不是交通部說不行就不行嘛我們要退一件事情對不對這個是總統要退亞洲資產管理中心是總統要退的啊一個部會如果在法條上的解釋那麼過拘泥於這個法條上的東西國家到底是要怎麼前進嘛對不對"},{"start":581.284,"end":606.891,"text":"我覺得金環有時候真的很客氣在跨部會之間財政部說不行啊這個稅不行啊那好啊我們在這個不做的情況下這個好江部說這個港區要10條之一這樣不行啊這個可能不適用啊因為從前都沒有這樣的例子啊可能也不適合啊所以我們就很客氣好那我們再想辦法不好意思你要執行的對我們會來努力啦你要執行的是國家是總統的政策這些部會如果說這麼不配合總統的政策"},{"start":607.651,"end":628.066,"text":"不用這麼客氣讓大家知道讓立委知道讓政府知道讓百姓知道我們國家往前走不是有些人說這樣不行這樣不能因為一些保守的觀念讓國家不能往前嘛是這個好嗎謝謝委員的這些的意見所以第一個齁三件事情這裡面有一件也是立法院的事情TISA這個賬戶齁這個增加退休準備齁那這個政策怎麼推大家可以多多討論是"},{"start":628.786,"end":656.511,"text":"律師這個部分當然現在律師在上個會期在我們立法院已經過不知道為什麼又有什麼問題沒有你們可能要主動去來因為我們這個投顧投信法已經修了給處委委員會好像有一些小問題不知道是什麼問題也許你們也對我們會來努力趕快讓他通過很多法令過了20年都永遠過不了這樣子其實產業界都會慢慢的對政府這個失去這個信心那我們說招攬國際人才來臺服務或是把我們臺灣在外面管臺灣人錢的人的那些人回來這個也是"},{"start":657.831,"end":672.951,"text":"大家繼續努力了以上謝謝委員鄭昭薇接著我們請鍾嘉斌委員、鍾嘉斌委員、鍾嘉斌委員陳廷輝委員、陳廷輝委員、陳廷輝委員不到黃國昌"}]}},"supported_relations":[],"relations":[]}