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的新高。金管會對於2025年全國國銀對新南向的新增放款量，新設據點的目標值各是728億元及維持3處，放款目標值是史上新高。所以要請問主委增長的主要原因為何？是否與特定產業或政策有關？"],["彭主任委員金隆：我們過去整個國營會往南向，跟整個產業的移動是很有關係的，隨著我們的產業分散在全球各地，我們可以看得出來，我們整個國營的放款也隨著這個而進行。我們看它的分布，過去除了美國以外，前幾大就是歐盟、澳洲、日本，還有比如說越南，這些大概都是我們隨著很多產業的移動就跟著這樣走。"],["林委員思銘：所以產業跟政策都是影響我們……"],["彭主任委員金隆：當然，因為我們的金融服務會跟隨我們產業而移動。"],["林委員思銘：所以我們才會去設定，但未來它放款的目標值會那麼高嗎？"],["彭主任委員金隆：當然，因為我們現在國銀仰賴國外業務的獲利比例是越來越高，國銀在國際化業務的比重也是逐年在增加當中。"],["林委員思銘：是，主委，有一家銀行的主管坦言，新南向是政府主要推動的重要政策啦，新南向國家整體也多數具有人口紅利這樣的一個特性，當地的經濟動能也不弱，所以放款需求自然會持續的增加。我們看到今年2月底止，累計新增放款量475億，核准新設數也達到目標值的三分之二，已達全年我剛才所提到的目標值728億元的65%，所以市場也普遍認為2025年我們設定的目標值有望全部達陣。這三大市場，前三大市場分別是印度增加240億、新加坡增加223億、澳洲增加107億，以這三大市場的增長最為顯著，金管會也表示因為受惠於印度、新加坡和澳洲的經濟活絡，企業資金的需求增加，有新增授信案所導致。我要請問主委，以國內銀行放款的三大市場，印度、新加坡、澳洲這三大市場的放款持續增加，一旦美國對這些國家課徵對等的關稅，是否可能連動的讓國營對這三大市場的放款的量能會受影響？"],["彭主任委員金隆：那當然，比如我剛才跟委員報告過，我們現在國營的放款大概是跟隨著我們產業的移動，然後跟隨著它的客戶過去，客戶在那邊增加投資或是他很多的機會增加，而這些廠商，假設它也還是以出口、以美國為對象的話，勢必會影響它整個的出口的量能，也會影響到它獲利的幅度，相對的就會成為我們國營在整個放款的一些很重要的考量點，這一定會受到影響。"],["林委員思銘：所以我們是否有調整放款量以及新設據點目標值的預備方案？"],["彭主任委員金隆：剛才講，因為我們現在在國營的部分，是由他們自己來做風險的管控，我們也可以看到這麼多年來，其實他們持續的分散在全世界，我剛才對委員的說明也有提到，其實我們會持續的去鼓勵他們不要過度於集中在某一個市場，然後儘量透過一些分散的策略，分散包括地區的分散、產業別的分散，還有很多其他的可能方式，來降低未來不確定的風險。"],["林委員思銘：好，主委，針對美國計畫對「骯髒15國」祭出對等的關稅措施，我想不僅包含我們剛才講三大市場，總共有15個國家嘛，包含越南在內，都會影響這幾個國家的經濟活動嘛！所以我們是否已經評估美國政策，對我國銀行在這15個國家放款的潛在風險及影響？金管會是否有要求國內銀行強化他們的風險控管？特別是在受影響國家的授信、審查與風險評估，金管會有沒有著手進行這些相關的要求的措施？"],["彭主任委員金隆：關於這個事情，最近這兩天有特別點名了幾個國家，我們接獲這個訊息時就立刻請銀行局去仔細分析我們國銀在海外放款的一些布局跟類型，我們在關注這個議題。剛才委員所指正的是，我們當然會針對這樣的變化跟我們所轄的銀行來做一些討論，看未來要怎麼因應。"],["林委員思銘：OK，我們希望金管會要積極的提出相關呼籲，做風險的控管。"],["彭主任委員金隆：是，當然。"],["林委員思銘：另外，我想針對賴總統的17條跟我們國銀赴大陸投資的風險來就教主委。主委，2月18號金管會公布2024年全年國銀海外分行獲利概況，其中大陸市場位居第四名，共獲利77.2億，年增19.2億元。請問主委，目前我們在大陸設有分行的國銀，包含公股銀行總共有幾家？"],["彭主任委員金隆：我們現在……剛剛那個數據，因為早上我有準備，但我記不起來，不過應該有七十幾個分行……"],["林委員思銘：不是，我們的國銀有8家嘛，分行大概有幾家？"],["彭主任委員金隆：國銀的部分的話……我可不可以請我們副主委來說明？"],["林委員思銘：國銀有幾家？分行或者辦事處有幾家？"],["莊副主任委員琇媛：報告委員，總共有16家銀行，分行是25家。"],["林委員思銘：是。"],["莊副主任委員琇媛：然後還有5家子行。"],["林委員思銘：是，大概是這樣。這些分行或辦事處是否有請當地的人員來擔任？"],["彭主任委員金隆：我們有稍微統計一下，應該大部分的員工都是當地人居多，我們派駐在那邊大概有一百多位員工，其他應該有兩千多位。"],["林委員思銘：這個子行、分行或者辦事處都有聘請當地的員工來擔任嗎？"],["彭主任委員金隆：我看了數據，如果我沒記錯，大概兩千多位是當地人，我們自己大概就是一、兩百位的臺籍員工。"],["林委員思銘：主委，我請教你，賴清德總統定調中國為境外敵對勢力，在這樣的政策宣告之下，各國的銀行還適合去大陸經營嗎？還有，剛才你講的，現在各國銀行都有聘請當地的員工，那這樣還適宜嗎？還適宜聘當地的員工嗎？或者去當地設分行？"],["彭主任委員金隆：其實我們看很多跨國籍的聘僱當然都會以本地人為主，不太可能都是由母公司這邊派人，除非是初期……"],["林委員思銘：是。"],["彭主任委員金隆：但剛剛講的，現在我們國銀在那邊經營還是跟隨客戶，我們看相關的統計數據，裡面大概五、六成都還是以服務我們的臺商為主。"],["林委員思銘：主委，我了解，你講這個都是正軌、都是正確的，但是我們看到賴清德總統既然定調中國為境外敵對勢力，豈不等同我們現在聘用我們的敵人在為我們自己的國銀工作？在這種情況之下，金管會能擔保不會有任何經營運作或重要資訊洩漏的風險嗎？"],["彭主任委員金隆：我想公司內部有一定的內控機制，因為兩岸都還有互設金融機構，他們有三家銀行在這邊運作……"],["林委員思銘：總結來講，金管會不會因為賴清德總統這樣的一個宣示而認為我們聘請對岸這些人擔任員工，或者我們國銀去服務大陸的臺商……不會因為賴清德總統這樣的宣示而有所影響？目前還是按照正常運作軌道去進行各項銀行的工作，去那邊設分行，或者聘請當地的員工？"],["彭主任委員金隆：我們對於銀行的監理，站在金管會的立場，我們都以風險為基礎的監理架構，也就是說，某個地區的風險提高，我們就希望他們做好風險管理，像我們過去……"],["林委員思銘：所以在大陸投資是沒有風險的，對於銀行，你的風險評估是沒有任何風險的？"],["彭主任委員金隆：不是，風險是動態的，隨時都會改變，風險增加，風險管理措施就要增加，其中有很多的方法，我們會隨時要求銀行針對這樣的動態來做調整。"],["林委員思銘：好，主委，我最後問你，既然賴總統做了這樣的宣示，所以金管會是否已經開始沙盤推演大陸可能會對我們國銀採取反制或報復的措施？"],["彭主任委員金隆：我們……"],["林委員思銘：你有沙盤推演嗎？"],["彭主任委員金隆：我們其實隨時對境外營運模式都有做風險的監控，也不僅是針對某個地區，每個地區都有它不同的特性，我們大概都按照這樣的邏輯跟模式在進行。"],["林委員思銘：是，所以我們不會受賴清德總統這17點宣示而影響金管會對我們在大陸的國家銀行，或者是他們聘請的相關員工去做相關的風險控管？"],["彭主任委員金隆：不過還是跟委員強調，我們是根據動態的風險來決定我們的措施，不是定態的。"],["林委員思銘：所以目前都沒有這樣的風險嗎？"],["彭主任委員金隆：現在這件事情呢……"],["林委員思銘：聽起來你完全沒有任何的措施啊！針對這17點，你完全就是認為聽聽就好了，不影響你對在大陸的國銀的風險控管……"],["彭主任委員金隆：也不是這樣講，其實因素非常的多，像我剛才講產業外移還有他們不動產市場的問題，這些我們隨時都在關注。"],["林委員思銘：好，謝謝。"],["彭主任委員金隆：謝謝委員。"],["主席：謝謝林思銘委員。","接著請黃珊珊委員。"]],"agenda":{"page_end":478,"meet_id":"委員會-11-3-20-4","speakers":["賴士葆","林德福","吳秉叡","顏寬恒","郭國文","賴惠員","李彥秀","鍾佳濱","李坤城","林思銘","黃珊珊","羅明才","陳玉珍","王世堅","張啓楷","徐欣瑩","邱志偉","楊瓊瓔"],"page_start":419,"meetingDate":["2025-03-26"],"gazette_id":"1143101","agenda_lcidc_ids":["1143101_00008"],"meet_name":"立法院第11屆第3會期財政委員會第4次全體委員會議紀錄","content":"邀請金融監督管理委員會彭主任委員金隆率所屬機關首長暨中央存款保險股份有限公司、監管相\n關機構有關之財團法人、臺灣證券交易所股份有限公司、臺灣期貨交易所股份有限公司、臺灣集\n中保管結算所股份有限公司等董事長、總經理列席業務報告，並備質詢","agenda_id":"1143101_00007"}}},"supported_relations":[],"relations":[]}