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增訂第123條之二讓委員吳秉瑞等企業人修正動議修正通過第一項據中要本人受破產宣告或經消費者債務清理條例裁定開始清算程序時修正為要本人受破產宣告或經依消費者債務清理條例裁定開始清算或更生程序時第一項第三款修正為"},{"start":2194.46,"end":2199.882,"text":"要保人會被保險人之配偶、父母或子女其一同行政院提案並修正立法說明3."},{"start":2199.882,"end":2204.564,"text":"增訂第129條之一第130條增訂第132條之一第148條之三第167條之一3組第168條之七第171條之一均照行政院提案通過4."},{"start":2204.564,"end":2205.344,"text":"第170條之一維持現行條文5."},{"start":2205.344,"end":2207.025,"text":"第174條之二及之三均不予增訂"},{"start":2220.587,"end":2236.144,"text":"6.通過負債決議議項2.求案審查完畢 必須審查報告提報院會討論 院會討論權不需交到黨團協商院會討論時由賴昭吉委員會員補充說明5月15日報告事項處理生化民國110年度中央政府總預算決議1有關財政部主管預算"},{"start":2237.625,"end":2259.842,"text":"凍結書面報告案62案1財政部先任決議凍結財政部業務費預算10%書面報告案2財政部決議凍結第一幕一般行政向下基本行政工作維持業務費預算1%書面報告案3凍結第一幕向下基本行政工作維持業務費預算300萬元書面報告案4凍結第一幕向下基本行政工作維持業務費至教育訓練費預算1%書面報告案5"},{"start":2261.903,"end":2278.301,"text":"第四項 凍結第三幕出餐業務向下促進民間參與公共建設業務預算二十分之一書面報告案六 第六項 凍結第三幕向下促進民間公共參與公共建設事業預算二十分之一書面報告案七 凍結第三幕"},{"start":2280.228,"end":2305.649,"text":"向下促进民间产业公共建设业务费预算十分之一书面报告案八 冻结第三幕向下促进民间产业公共建设业务费预算二十分之一书面报告案九 冻结第六幕捐助支出预算八百万元书面报告案十 国库所决议冻结第二幕国库业务预算二十分之一书面报告案十一 冻结第二幕国库业务预算两百万元书面报告案"},{"start":2307.208,"end":2336.027,"text":"十二 凍結第二幕向下債務管理作業之業務費預算五分之一書面報告案十三 凍結第二幕規劃第二幕向下財務規劃作業預算二十分之一書面報告案十四 國庫屬新增決議凍結第二幕向下菸酒管理作業預算百分之十書面報告案十五 國庫屬決議第五項凍結第二幕向下撕裂菸品茶器作業預算二十分之一書面報告案十六 第六項"},{"start":2337.969,"end":2362.407,"text":"凍結第二幕 向下 撕裂菸品 茶器作業 預算二十分之一 書面報告案 實際國庫屬決議凍結第二幕 向下 撕裂菸品 茶器作業 預算二十分之一 書面報告案 十八凍結第二幕 向下 撕裂菸品 茶器作業 預算二十分之一 書面報告案 十九複稅屬決議第一項 凍結第一幕 一般行政要基本行政工作維持預算一百五十萬元 書面報告案"},{"start":2364.485,"end":2388.872,"text":"二十 第二項凍結第一幕基本行政公路維持預算一百五十萬元署名報告案二十一 凍結第三幕第三項凍結第一幕鄉下基本行政公路維持預算一百五十萬元署名報告案第四項凍結第一幕預算一百五十萬元署名報告案第五項凍結第二幕稅務付稅業務預算五十萬元署名報告案第二項凍結第二幕預算五十萬元"},{"start":2390.072,"end":2395.938,"text":"署名報告案25 凍結第二幕向下一頁 革新稅制改革"},{"start":2397.659,"end":2418.047,"text":"格新稅制改善稅政經費預算五十萬元署名報告案二十六凍結第二幕向下格新稅制改善稅政經費預算三十萬元署名報告案二十七凍結第二幕向下業務費二十分之一署名報告案二十八凍結第二幕向下稅務積增及積增業務"},{"start":2421.26,"end":2438.266,"text":"金費預算十分之一書面報告案二十九凍結第三目統一發票給蔣即推行預算一百萬元書面報告案三十凍結第三目向下統一發票給蔣即推行業務費至一般行政一般事務費媒體政策及物宣導費十分之一書面報告案三十一高雄國稅局決議"},{"start":2439.706,"end":2462.368,"text":"動結第二幕 國稅基增業務向下電子處理及運用中業務費資訊服務費預算十分之一書面報告案三十二北區國稅及其所屬動結第三幕 一般建築設備第一階營建工程向下中設備及投資之房屋建築及設備費預算二十分之一書面報告案三十三中區國稅及其所屬動結第一幕 一般行政向下中"},{"start":2463.249,"end":2470.716,"text":"設備及投資雜項設備費預算十分之一書面報告案34關戶署及所屬凍結第一幕一般行政預算三百萬元書面報告案35凍結第一幕"},{"start":2476.3,"end":2495.917,"text":"向下預算基本行政工作維持預算三百萬元書面報告案三十六 第三項凍結第二幕關稅預算五百萬元書面報告案第四項凍結第二幕預算五百萬元書面報告案三十八 第五項凍結第二幕向預算五百萬元書面報告案三十九"},{"start":2496.778,"end":2515.227,"text":"第6項凍結第二幕官費業務向下500萬元署名報告案40.凍結第二幕向下第二幕向下查緝業務預算1%署名報告案41.凍結第二幕向下查緝業務旅客行李檢查及貨物查緝處理等經費100萬元署名報告案42.凍結第二幕"},{"start":2516.648,"end":2544.425,"text":"向下關稅資料處理預算五百萬元書面報告案四十三凍結第二幕關稅業務向下數位海關再造計畫預算五百萬元書面報告案四十四凍結第二幕向下數位海關再造計畫預算十分之一書面報告案四十五國有財產屬及所屬決議凍結第二幕國有財產業務向下國有財產接收保管業務費預算二十分之一書面報告案四十六第二項凍結第二幕向下國有財產"},{"start":2545.245,"end":2551.25,"text":"接收保管業務費預算兩百萬元署名報告案四十七第三項凍結第二項目向下業務費"},{"start":2553.642,"end":2582.115,"text":"兩百萬元署名報告案 四十八第四項凍結第二幕鄉下閣有財產管理處分業務費預算兩百萬元署名報告案 四十九第五項凍結第二幕鄉下閣有財產處分業務費預算兩百萬元署名報告案 五十第六項凍結第二幕鄉下閣有財產管理處分業務費兩百萬元署名報告案 五十一第七項凍結第二幕鄉下閣有財產管理處分業務費兩百萬元署名報告案 五十二第九項凍結第二幕鄉下"},{"start":2583.596,"end":2607.278,"text":"國有財產管理處分業務費兩百萬元書面報告案 五十三凍結第二幕國有財產管理處分向下國有非公用文化資產修復及管理維護計劃預算一百萬元書面報告案 五十四凍結第二幕向下之強勢外來入侵總移除防治及富裕計劃預算二十分之一書面報告案 五十五第十一項凍結第二幕向下國有財產"},{"start":2608.619,"end":2633.009,"text":"改良利用預算二十分之一書面報告案五十六第十二項凍結第二幕向下國有財產改良利用預算二十分之一書面報告案五十七凍結第二幕向下職業務費預算二十分之一書面報告案五十八凍結第二幕向下國有公用財產中設備費機械及設備費預算一百二十萬元書面報告案五十九凍結第三幕一般建築設備第一節預算二十分之一書面報告案"},{"start":2635.132,"end":2658.558,"text":"60 財政資訊中心決議凍結第二幕財政資訊業務預算500萬元書面報告案61 凍結第二幕財政資訊業務向下電子發票管理經費預算10分之一書面報告案62 凍結第二幕向下電子發票管理經費中業務費一般事務費預算10分之一書面報告案2 有關審計部主管預算凍結書面報告案4案1 審計部決議凍結第一幕一般行政向下"},{"start":2659.998,"end":2687.168,"text":"基本行政工作維持中業務費物品預算十分之一書面報告案二凍結第二幕中央政府審計向下中央政府審計工作職業務費預算五十萬元書面報告案凍結第三幕中央政府審計工作業務費國內組織會費預算兩萬元書面報告案四凍結第三幕縣市地方審計向下縣市地方審計工作預算十分之一書面報告案三有關行政組織總書預算"},{"start":2690.287,"end":2716.473,"text":"凍結書面報告案18案1行政院主計總署新增決議凍結行政院主計總署五千萬元書面報告案2凍結第七目主計訓練員業務向下主計員訓練業務費預算十分之一書面報告案3行政院主計總署凍結第一幕向下人事費扣除人事費外預算十分之一書面報告案4凍結第一幕一般行政預算四百萬元書面報告案5凍結第一幕一般行政向下政府內部控制"},{"start":2717.573,"end":2722.136,"text":"監督機制規劃及督導預算22萬元書面報告案6."},{"start":2722.136,"end":2728.621,"text":"凍結第一幕向下政府內部控制監督機制規劃及督導預算20分之一7."},{"start":2728.621,"end":2733.484,"text":"凍結第二幕中央總預算合編及執行預算10分之一書面報告案8."},{"start":2733.484,"end":2739.007,"text":"凍結第二幕向下中央總預算合編及執行預算10分之一書面報告案9."},{"start":2739.007,"end":2740.809,"text":"凍結第二幕向下地方政府主計業務及督導"},{"start":2743.174,"end":2765.436,"text":"之督導與查核制業務費預算十分之一書面報告案十凍結第二幕向下地方政府主計業務之督導與查核預算十分之一書面報告案凍結第三幕特種基金預算合編及執行預算十分之一書面報告案十二凍結第四幕會計及決算業務向下會計事務處理及決算合編預算五十萬元書面報告案十三凍結第五幕綜合統計業務向下"},{"start":2767.518,"end":2780.004,"text":"辦理統計行政與統計標準之業務費預算五分之一書面報告案 十四凍結第五目向下辦理綜合統計預算十分之一書面報告案 十五凍結第五目向下辦理綜合統計業務之贈送"},{"start":2783.717,"end":2807.082,"text":"物價調查 金融業概況調查 民營電廠營業及投資概況調查等紀念品預算五分之一 書面報告案十六 凍結第六目 國事普查 向下國庫統計預算二分之一 書面報告案十七 凍結第六目 向下各機關調查及調查網管理預算十分之一 書面報告案十八 凍結第八目"},{"start":2808.82,"end":2816.029,"text":"主計諮詢業務預算二十分之一書面報告案決定以上八十四案均以報告完成準以動之提報院會討論事項"},{"start":2819.09,"end":2832.433,"text":"處理中華民國114年中央政府總預算決議一有關財政部主管預算專案報告案17案一財政部新增決議凍結財政部預算3000萬元專案報告案二凍結財政部預算100萬元專案報告案三凍結財政部業務費預算40%專案報告案四凍結第一步一般行政1000萬元專案報告案五國庫署新增決議凍結國庫署業務費30%專案報告案"},{"start":2847.568,"end":2854.493,"text":"6.凍結第一幕一般行政向下基本行政功課維持至業務費預算2000萬元專案報告案7."},{"start":2854.493,"end":2857.775,"text":"凍結第二幕國庫業務向下思維也免查棄作業預算500萬元專案報告案8."},{"start":2857.775,"end":2858.756,"text":"複稅署新任決議凍結複稅署業務費預算30%專案報告案"},{"start":2864.079,"end":2866.921,"text":"9.台北國稅局新任決議凍結台北國稅局業務費預算30%專案報告案10.高雄國稅局新任決議凍結高雄國稅局業務費預算30%專案報告案11.北區國稅局及所屬新任決議凍結北區國稅局及所屬之業務費"},{"start":2881.69,"end":2904.046,"text":"百分之三十預算專案報告案十二中區國稅及其所屬新增絕育凍結中區國稅及其所屬業務費預算百分之三十專案報告案十三南區國稅及其所屬新增絕育凍結南區國稅及其所屬業務費預算百分之三十專案報告案十四關戶屬及所屬新增絕育凍結關戶屬業務費預算百分之三十專案報告案十五國有財產屬及所屬新增絕育凍結國有財產屬業務費預算百分之三十專案報告案十六"},{"start":2912.177,"end":2928.611,"text":"凍結第二目國有財產業務相下國有財產管理處分預算一千萬元專案報告案十七財政資訊中心新任決議凍結財政資訊中心業務費預算百分之三十專案報告案二有關行政院主計總處預算凍結專案報告案一行政院主計總處新任決議凍結行政院主計總處資業務費預算百分之四十專案報告案"},{"start":2934.616,"end":2962.781,"text":"經財政部莊部長、行政院主計總署陳處紀長分別提出報告後,藉由委員林德福等16人提出執行,均經主計總署陳處紀長、財政部莊部長及相關人員以答覆決議一,報告說明及詢問完畢二,委員質詢未及答覆或請補充資訊,請相關部會議週內以書面答覆,委員令要求期限者從期鎖定,三,委員陳玉珍所提書面質詢列入紀錄刊登公報,並請相關部會議書面答覆,四,中華民國一百一四年"},{"start":2963.641,"end":2992.659,"text":"到中央政府總預算決議有關財政部主管預算凍結專案報告案17案及有關行政院主計總署預算凍結專案報告案一案均與審查完略准予動之提報院會通過臨時提案一案宣讀完畢好 向各位委員向委員報告請問各位委員對議事部有違沒有 我們就議事錄確定那麼請議事人員"},{"start":2994.781,"end":3007.407,"text":"宣讀今日的議程原理我們先介紹在場的委員與議會政府官員首先吳秉瑞委員林德甫委員金管衛的彭主委其他長官就請各位自行參閱財政部的莊部長"},{"start":3026.704,"end":3048.174,"text":"以及台銀的董事長林董事長吳總經理以及土地銀行的何董事長張總經理兆豐的董董事長黃總經理義營的邱董事長周總經理"},{"start":3050.353,"end":3075.767,"text":"華銀的陳董事長黃總經理合庫林董事長王總經理張銀的胡董事長簡總經理中小企銀的李董事長李總經理中央銀行的袁副總袁副總裁行政院主計總處的公務預算處簡樂市長陳簡樂市長"},{"start":3080.046,"end":3082.541,"text":"好等綠神"},{"start":3086.83,"end":3089.712,"text":"你宣布好請議事宣布本律例子"},{"start":3118.551,"end":3136.598,"text":"報告委員會我們今天先處理金管會預算解讀案書面報告有39案另外有專案報告9案我們先處理書面報告39案請議事人員宣讀"},{"start":3140.218,"end":3169.254,"text":"1 金管會新增決議凍結第二幕金融監理向下金融監督管理預算30萬元書面報告案2 金管會決議凍結第一幕一般行政預算70萬元書面報告案3 凍結第一幕向下基本行政公務維持業務費預算十分之一書面報告案4 凍結第一幕向下基本行政公務維持業務費預算十分之一書面報告案5 凍結第二幕金融監理向下金融監督管理預算十分之一書面報告案6 凍結第二幕向下金融監督管理"},{"start":3169.894,"end":3191.285,"text":"預算二十分之一書面報告案七凍結第二幕向下金融監督管理預算百分之三書面報告案八凍結第二幕向下金融監督管理業務費五十萬元書面報告案九凍結金融監理向下金融監督管理業務費二十分之一書面報告案十凍結第二幕向下業務費預算五十萬元書面報告案"},{"start":3193.135,"end":3216.49,"text":"11 凍結第二幕 向下金融監督管理中設備及投資資訊軟體設備費預算40萬元書面報告案12 金管會銀行局決議凍結第一幕 一般行政預算50萬元書面報告案13 凍結第一幕 一般行政向下基本行政工作維持業務費預算20分之一書面報告案14 凍結第一幕 一般行政預算100萬元書面報告案15 凍結第一幕"},{"start":3219.392,"end":3227.534,"text":"一般行政預算10萬元書面報告案16 凍結第二幕銀行監理向下銀行監理預算50萬元書面報告案17 凍結第二幕向下銀行監理預算3%書面報告案18 凍結第二幕向下銀行監理業務費35萬元書面報告案19 凍結第二幕向下銀行監理業務費預算1%書面報告案20 凍結第二幕"},{"start":3242.897,"end":3270.213,"text":"項下銀行經理業務費十萬元書面報告案二十一金管會證券期貨局決議動結第一幕一般行政預算七十萬元書面報告案二十二動結第一幕一般行政項下基本行政工作維持業務費兩百萬元書面報告案二十三動結第一幕一般行政預算七十萬元書面報告案二十四動結第一幕項下基本行政工作維持中業務費之證券期貨大樓外牆修繕工程預算"},{"start":3271.033,"end":3271.213,"text":"議員議案結束"},{"start":3301.893,"end":3324.604,"text":"向下證券期貨市場資業務費50萬元書面報告案31 凍結第二幕證券期貨市場資業務費30萬元書面報告案32 監管會保險局決議凍結第一幕一般行政預算50萬元書面報告案33 凍結第一幕一般行政向下基本行政工作維持業務費60萬元書面報告案34 凍結第二幕保險監理向下保險監理預算3%書面報告案35 凍結第二幕保險"},{"start":3330.166,"end":3330.306,"text":"宣讀完畢"},{"start":3357.222,"end":3374.149,"text":"向委員會報告請問各位委員針對以上的預算解凍案的書面報告有無異議沒有異議我們就准以這個書面報告完成准以動之提報委員會現在進行第一處理中華民國114年中央政府總預算"},{"start":3384.028,"end":3388.246,"text":"金管會預算節度的專案報告9案"},{"start":3389.673,"end":3417.372,"text":"第二邀請財政部金管會中央銀行對於房屋稅2.0課程亂象與金融機構對不動產融資緊縮及中央銀行信用管制措施對房地產交易影響專題報告並被質詢現在依順序首先請金管會的彭主委對於預算解凍案說明及專題報告請"},{"start":3424.437,"end":3446.852,"text":"主席 各位委員 各位媒體 先敬大家早安114年度中央政府總預算有關本會主管預算凍結報告48案陳貴委員會邀請提出報告各詳細書面報告已納入大院議事關係文書 敬請參閱以下僅就9案專案報告內容簡要說明 敬請各位委員會與支持同意預算解凍"},{"start":3448.513,"end":3469.531,"text":"1.凍結本會及所屬市局業務費30%部分本會及所屬市局之業務費系為支應各業務單位共同性行政管理基本需求並確保監理檢查業務順利運作之經費截至本年4月底執行率已達70%原提出專案報告懇請同意動資本項預算麻煩請過夜到第4夜"},{"start":3471.433,"end":3483.58,"text":"凍結本會金融監理向下金融監督管理50萬元部分本會配合打詐綱領2.0擔任主詐騙統籌機關以依據詐欺犯罪危害防治條例發布授權執法強化詐騙機制、通報機制、經濟聯防機制、招詐騙匯款、返還等作業規範"},{"start":3494.554,"end":3513.647,"text":"有關台銀銀行銀行員涉案一部本會已於114年3月11日何處該行2200萬元罰完並持續監督該行強化內控機制及相關管理機制有關凍結本會金融監理向下金融監督管理二十分之一部分"},{"start":3514.548,"end":3538.111,"text":"金融市場所稱金金分離一詞尚非周延之法律概念行政監理機關須遵守守法的依法行政原則執行公權利對金融市場之監理仍應回歸法有明文範圍辦理我國於民國八十年間即規定金融機構負責人不得同時擔任其他金融機構負責人避免利害衝突落實競業禁止"},{"start":3539.272,"end":3558.297,"text":"本會日常監理發現,其關係人同時兼任不同金融機構董事,有違反利害衝突、禁業禁止等疑慮,原本會於107年將禁業禁止規範主體由本人擴充至其關係人,如配偶及直系血親,後續將總經理一直納入,並依此修正相關規定。"},{"start":3559.497,"end":3584.957,"text":"是凍結本會保險局保險監理預算100萬部分台灣人壽113年10月28日向本會通報李培仁重大詐謀重大偶發經本會查處以一保險法171條之一第四項核處該公司罰還720萬債案為強化保險業內空內機制度以訂定保險業內部控制集合制度實施辦法建立內部控制三道防線保險業違反"},{"start":3587.479,"end":3609.899,"text":"將依違私程度、何處罰還、依法處理欲糾正、限期改善以及其他必要之處置有關凍結本會檢察局金融檢察機關三百萬元部分本會檢察局針對洩密事件原因程序以深切自省處以追究案官人員行政責任外並通盤檢討及採取諸多精進管控措施"},{"start":3611.26,"end":3631.476,"text":"本會及所屬114年度預算 系為維持基本行政工作及健全金融機構業務經營金融市場穩定及促進金融發展所必需經費均按需求及尊潔原則 編列並執行會立施政業務順利推動相關凍結案 敬請各位委員會與同意支持動之謝謝"},{"start":3637.882,"end":3642.786,"text":"主席各位委員先進大家早今日本部呈要列席就專題報告"},{"start":3654.125,"end":3670.505,"text":"提出提出报告那仅就我们房屋税2.0的新制从113年7月1号起施行今年5月1号首次开征我们对新制首年施行的相关事项进行报告以及对于近期公股银行不动产贷款管制的成效"},{"start":3670.965,"end":3693.716,"text":"做報告首先對於房屋稅2.0新制的幾個重點報告第一個在稅率的部分因為對於說房屋所有人他非自住住家用房我們這次規定是進行全國總歸戶那同時調高的法定稅率由2%到84.8%另外各地方政府都必須按照全國持有的戶數訂定差別稅率"},{"start":3694.597,"end":3721.739,"text":"並且採取全數累進來做課徵第二個對於特定的房屋我們可以適用比較低的稅率比如說你有出租的而申報的租金也達到一定的標準或繼承取得的共有房屋那他的法定稅率也比剛剛所說的2%到4.8%為低我們定的是1.5%到2.4%對於建商興建房住家用的房屋在我們按照他的銷售期間持有的銷售期間定定不同的稅率"},{"start":3722.6,"end":3734.874,"text":"另外對於自住的房屋的部分除了維持原來自住房屋全國三戶以內可以適用1.2%之外對全國你僅持有一戶的房屋做自住使用的話稅率是調降為1%第二個我們也對於房賭租稅"},{"start":3737.977,"end":3767.015,"text":"逃漏的部分对住家用房屋限制在10万块以下免征房屋税的适用对象那么自然人的持有必须在三户以内才可以做这样的一个适用另外也简化了我们的激增的一个作业第二个部分2.0的薪资我们预期的成效主要是在于2.0的薪资希望透过加重多屋族的空置房屋的税负还有减轻出租房屋的税负来鼓励房屋所有人把房屋释出到租赁市场"},{"start":3767.775,"end":3796.114,"text":"讓租屋族能夠租到合適的房屋然後促使建商同時促使建商依照市場狀況能夠調整價格加速出售增加房屋的供給那麼今年第一年的開增它所發的相關的協助措施以及主要的一議事項第一個就是自住房屋我們採取檢證辨明的輔導措施由基層機關主動寄發輔導通知書希望民眾能夠趕快涉戶籍然後來按自住稅率課徵"},{"start":3797.074,"end":3816.167,"text":"另外对于自住以及出租房屋的放宽措施对申报期限也从3月24号放宽到6月2号对于自住房屋如果纳税义务人到户政机关办理户籍迁入的时候也可以同时申报作为自住房屋我们做户政跟税金机关之间的一个横向联系"},{"start":3817.588,"end":3845.335,"text":"另外在這段期間民眾所反映的主要疑義的事項我們來做說明第一個在台北市政府的部分因為它是由於家住上資料家住本身的一個錯誤以致產生自住房屋所屬的地上房屋地上停車空間按照非自住房屋的稅率來課稅那這個部分台北市的稅捐處已經發現以後主動的去更正稅單並且展延繳款的期限那第二個部分就是新北市政府發生的就是單獨權狀的停車位"},{"start":3846.915,"end":3853.597,"text":"它按照非自住稅率的合克那這個部分呢本部在74年其實有過含釋你領有單獨權狀的停車空間應該按照組建物的用途來適用稅率來克徵那麼組建物如果是自住的話那停車位當然是按照自住房屋來克稅率來克徵這個部分"},{"start":3865.14,"end":3880.577,"text":"本部會再主動的發布函式讓各地方政府能夠有所遵循第三個部分就是他已經辦完了戶籍登記的自住房屋但是仍然按照非自住的稅率來課稅的部分那這個部分呢是由於少數的一個"},{"start":3882.159,"end":3897.356,"text":"戶籍登記的自住房屋它因為稅籍上面所登載的房屋的地址和戶政機關所登載的門牌不一致所以我們在資料比對的時候沒有能夠完全的比對出來那這個部分基層機關也會更正然後重新發稅單並且展現繳款的一個期限"},{"start":3900.419,"end":3915.878,"text":"第四個部分就是說共有人他只有部分的人辦成了共有房屋共有房屋只有部分共有人完成戶籍登記那這個房屋是不是全部都可以按照自住的稅率來合克那我想這個部分呢可能我們要在審慎的一個做一個研議"},{"start":3917.915,"end":3940.271,"text":"第二部分就是公股銀行它不動產融資管制的一個成效公股銀行在辦理不動產貸款的業務都是按照金管會以及央行對金融機構辦理不動產抵押貸款業務的相關規定來辦理那麼我們八家公股行庫除了土地銀行以外的其他七家公股銀行都是符合銀行法第72條之二規定的上限30%而且都沒有超過28.5%另外到今年4月底七家公股"},{"start":3946.816,"end":3966.78,"text":"銀行的不動產貸款的集中度平均是36.11%略高於113年底0.01%那主要是因為購買住宅貸款增加所造成的那麼我們本部也會持續的我們獨島公股銀行依照卓院長在113年9月5號在院會指示的四項原則就是妥適調整放款的結構降低大型建商"},{"start":3975.401,"end":4001.386,"text":"與土建融的放款還有落實不動產集中度的管理提高自住房屋的貸款額度以及確保自住民眾身貸權益並且建立健康有序的不動產的市場那最後的結語就是房屋稅2.0的新制到今年是首次實施那本部已請各機關在今年期房屋稅開增期間如果遇到有關相關的適用疑義"},{"start":4002.626,"end":4005.608,"text":"謝謝專部長的報告下一位請央行的原副總裁進行簡要的報告"},{"start":4039.248,"end":4057.294,"text":"主席各位委員以下請就央行業務相關部分提出報告第一個部分我們想說明是為了規範銀行的信用資源過度流向不動產市場本行已經有7次的調整選擇性信用管制措施並且在去年8月的時候請銀行有所謂的自主"},{"start":4058.71,"end":4073.946,"text":"自主控管不動產貸款總量以強化金融機構的不動產受信風險那我們也提出幾個配套措施第一點就是說由銀行自行考量他自己本身原體不動產的改善計畫並給予一年期的調整"},{"start":4074.747,"end":4088.192,"text":"第二點我們本攤也強調是銀行的自主管理不動產總量已不影響無致用住宅民眾購物以及政府在推動都更等政策的資金所需的資金第三點"},{"start":4090.154,"end":4104.559,"text":"針對有實質換屋需求者經切節於一年內出售原有房屋申辦第一戶或第二戶購屋貸款不受到限制報告的第二部分說明本行的選擇性信用措施的執行成效"},{"start":4105.419,"end":4132.853,"text":"第一點從實施以來我們看到銀行的受限貸款的陳述下降符合我們的規定本行也針對了各項不動產的貸款項目規範了一個貸款陳述這主要的目的是將銀行的資金優先轉貸給無致用住宅者的購屋貸款下一頁第二點我們想說明的是房地產交易降溫民眾看漲房價預期心理下降這邊可以從去年10月開始全國"},{"start":4134.214,"end":4137.777,"text":"買賣移轉動數的年增率轉成負成長今年第一季以年減22.1%下業"},{"start":4142.093,"end":4166.627,"text":"第二點我們想說明的是根據最新的一些永慶房屋的網路調查或者是新營房屋的購屋意向調查都顯示了民眾看漲房價的預期心理在下降中第三點銀行不動產優先貸款銀行不動產貸款年增率減緩且銀行信用資源已優先提供給無資用住宅"},{"start":4167.567,"end":4180.002,"text":"這邊在第五頁的上面的圖已經顯示到我們的各項貸款的這個餘額的年增率已經從近期的高點分別在下降中第二點同樣的在第五頁的下面這個圖顯示"},{"start":4182.652,"end":4210.008,"text":"吳志庸住宅民眾購屋貸款餘額佔購屋貸款餘額的比重已經上升到61.9%下一頁第四點我們要說明的是不動產貸款集中度緩降預算比例則維持低然各位在第六頁的上面圖可以看到銀行不動產的貸款集中度已從去年的高點去年大概1月的37.64%降到今年3月的36.89%"},{"start":4211.989,"end":4231.403,"text":"那我們也注意到不動產的預販的貸款比率還是一個維持在一個相對的低點報告的第七頁主要在說明雖然我們看到不動產貸款集中度已經有下降但是不動產貸款的餘額仍高在"},{"start":4232.878,"end":4255.055,"text":"第七個第一個圖也告訴我們這個不動產的餘額持續在增長第二點我們認為銀行信用資源能有過度流向不動產相關部門的情形特別是雖然今年三月底已經降到36.89但是以過去幾個時點去看到目前不動產貸款餘額的增幅仍然高於總販款的增幅"},{"start":4255.795,"end":4278.103,"text":"這是我們在顯示銀行的資源信用能有過度流向不動產的情況最後則為報告的結語部分本行信用管制措施執行迄今已有成效未來本行仍將持續關注不動產貸款及房地產市場發展情形並檢視各項措施執行成效事實檢討"},{"start":4279.941,"end":4294.358,"text":"事實檢討選擇性限管制措施 以上報告 敬請各位委員執教 謝謝好 謝謝央郎的副總裁做專題報告現在開始詢問 做以下的宣告"},{"start":4295.543,"end":4313.968,"text":"每位出席委員按慣例發言8分鐘不要使得言上2分鐘每位列席委員發言4分鐘今天早上10點鐘截止發言登記現在依照登記的順序請登記地位的林德福委員咨詢"},{"start":4339.352,"end":4363.565,"text":"來我請教一下為什麼今天那個楊總裁沒有來呢請教因為今天主要排那個房地產的他相對主角不是他主角不是他主角不是他我想奇怪他怎麼沒有來因為我要問那個主權基金啊對這個主權基金是臨時跑出來的對啊原來題目設定在房地產原來設定在房地產好那嚴務總裁還有包括門莊部長"},{"start":4369.048,"end":4373.315,"text":"好 財政部的莊部長央行的顏總裁顏副總裁"},{"start":4376.213,"end":4403.001,"text":"各位官員一次以後就不用再敬禮了副總裁還有莊部長委員長我請教因為賴總統520談話提到說政府要成立推升台灣整個經濟的發展動人的主權基金打造國家級的投資平台那我請問副總裁我們行政院"},{"start":4406.937,"end":4412.054,"text":"財經部會對成立主權基金是不是已經有充分的共識有沒有"},{"start":4415.041,"end":4438.652,"text":"就我的了解我們在那個國發會主導其實已經有討論過討論過交換過意見交換過意見有沒有很肯定為什麼賴總統在520談話中提出說這個就提出這一點而且這個未來還是必須要進一步規劃管理以及整個執行的運作這個不是說"},{"start":4441.099,"end":4455.244,"text":"這個主權基金是整個國際上的投資不是像我們國安基金一樣就是有時候股市真的是很嚴重的時候怎麼要去進去那個我們都可以接受那過去這個"},{"start":4457.321,"end":4478.962,"text":"主權基金也有我們本院的同仁那他現在已經不在了那個叫吳興代他也提過其實那時候中央銀行財政部你們表面當然也不是說絕對反對但是私底下大家都不接受那你總不能說那時候不接受現在沒人接受來 副總裁你有什麼看法"},{"start":4479.997,"end":4506.673,"text":"那個報告委員因為我不在那個曾經我不知道那個總統這樣子的那個部長你知不知道那個莊部長是昨天在總統的談話裡面確實有提到有關主權基金的部分那我想主權基金的設置上一次財委會也開過也開過三題報告那在這裡面很清楚第一個主權基金的設置當然要要做一個審慎的規劃包含設立專法以及未來"},{"start":4507.383,"end":4507.403,"text":"因為齁"},{"start":4524.383,"end":4525.163,"text":"你的看法勒"},{"start":4555.182,"end":4565.366,"text":"因為主權基金代表是政府的財富的運用所以基本上是由整個政府來主導這個案子那總結單位你認為應該是由誰因為這個還是在"},{"start":4571.718,"end":4597.541,"text":"我覺得還是要在做跨部會之間的溝通跨部會溝通因為目前財政部已經有了國安基金如果再加上主權基金那我請問那個莊部長你們有沒有能力來承擔這兩大基金的管理跟運用有關主權基金未來假設要成立的話他的管理機構都有待有關在專法裡面要來訂定"},{"start":4598.266,"end":4619.665,"text":"是由哪個單位來主持這個部分行政院發言人也說了會再詳細的討論跟討論其實主權基金它的風險很大大家都清清楚楚而且你將來整個組織架構你要用專業的人士來操作而且"},{"start":4621.251,"end":4644.36,"text":"這個裡面到最後會不會產生問題因為講實在話我對現在的政府打問號因為他有很多根本就都是用酬庸式的而且那個裡面這是一大筆基金這是大家的錢也不是說由你主導然後你就可以遙控還怎麼樣這個是有問題的所以說我認為這個要審慎部長你有什麼看法"},{"start":4651.302,"end":4669.913,"text":"當然委員提出了這些問題未來在專法裡面訂定的時候要有什麼樣的一個管理機制以及什麼樣的人專業人才來做這個基金的一個投資策略的一個擬定還有有沒有決策的一個機構來做處理這個未來在專法裡面都要審慎的研議的審慎研議那你認為說就是未來整個"},{"start":4675.336,"end":4703.099,"text":"主責的單位是你認為是應該中央銀行還是你們呢還是財政部呢這個行政院會再討論我認為齁這個要審慎的去考量處理啦不是換了個位子就換了個腦袋啦過去你們是不贊成的然後現在賴總統講一句話然後你們就馬上來附和上議這個是很嚴重的事情你們要講真話對不對"},{"start":4706.687,"end":4729.197,"text":"那個閻副總裁你的看法呢那個報告委員其實我們從那個彭總裁論內我們都一直彭總裁就反對啦我們沒有反對我們只是反對那個外匯無償撥用的這個你們外匯堅持說不行用外匯啊他可以用但是就透過去購買央行的外匯的方式去轉存到我們的未來的主權基金這邊"},{"start":4730.157,"end":4742.649,"text":"所以我要澄清就是說我們一直是提供很多的方式去處理設立國家主權基金的這樣子的方式我們沒有我們沒有反對我們覺得是不合適用外匯存底直接撥用的這個議題我是認為啦總裁"},{"start":4746.375,"end":4760.113,"text":"這個因為副總裁那個我認為說這個要很審慎啦不能說上面講一句話然後你們就互合然後就怎麼樣去配合這個是很嚴重的問題要很審慎"},{"start":4761.334,"end":4788.773,"text":"那個副總裁那個部長你回去按照第一季李監事會的記錄央行第七波的選擇性信用管制措施在嚇阻這個草房降低不動產貸款集中度及協助房市降溫的方面這個發揮最後然而媒體報導各公股銀行統計前四個月新成做的房貸金額以建樹普遍較去年同期出現下滑"},{"start":4790.094,"end":4805.316,"text":"那房貸利率則持續的上升上揚那我請問總裁幾波的選擇性的這個管制措施實施到現在為止你認為目前房市轉冷的情況是不是還在央行可控的狀態裡面"},{"start":4807.435,"end":4823.286,"text":"因為我們也看到那個房市的交易量的確是最近這幾個月是有走走走緩或者是下降的現象但是那個房價其實他那個降幅還是還是沒有降沒有沒有特別的"},{"start":4824.187,"end":4844.105,"text":"我們其實我們每一次理事會之前我們都會檢視我們的房地產的措施然後再討論這樣的措施的有效性這樣子那個副總裁那為符合政府推動房市政策國營繼續來配合進行不動產換款的總量管制那我請問考量今年川普對等關稅"},{"start":4845.886,"end":4865.752,"text":"談判未定,那國際金融情勢不確定性上升的這種情況下你認為皇室是不是有進一步受到衝擊這是一個比較大的問題因為這是國際的不安因素啊因為我們也不知道那個川普很多政策未來的調整情形是怎樣未來會不會鬆綁"},{"start":4868.207,"end":4892.675,"text":"調整整個房市政策的條件之一會不會我們每一季我們在理事會之前我們都會檢視我們的過去的執行成效那在那個那個場合之下我們如果有需要檢討或者是修正我們會跟央行的理事會去報告這個案子延伍總裁選擇性的信用管制措施對不動產市場的約束以及國外財經"},{"start":4895.516,"end":4915.247,"text":"經濟局勢不確定性增加讓民眾整個購屋度轉為保守來觀望今年來整體的黃式交易量較去年同期減少導致新陳做的黃帶下滑那以今年黃式交易新陳做黃帶的發展市場上"},{"start":4916.428,"end":4939.003,"text":"逐漸傳出央行信用管制措施要調整不動產這個還款的餘額的異常太樣那我請問沐總裁面對這樣的市場傳聞不時報導內容你認為是基於哪種心態或者是有哪些目的所以說才在最近出現這個這樣的一個發酵你認為呢"},{"start":4942.523,"end":4971.344,"text":"那個報告委員因為我記得在5月初的時候我們有已經有5月8號5月9號我們有一個新聞稿說明我們的政策其實暫時還沒有準備要調整央行澄清那信用管制現狀未改變那還是按照當前的規範措施未來是不是要調整理事會將充分的討論那我請問副總裁第二季理監事會有沒有可能最快的調整"},{"start":4973.766,"end":4985.592,"text":"這個選擇性的這個信用管制的措施的時間點會不會包括委員這個是由我們理事來討論所以我不方便在這邊那個副總裁你回應會滾動檢討房市政策並檢討檢視這個因為總裁有講過會檢視三"},{"start":4995.188,"end":5020.854,"text":"三重點啦一是信用管制措施的成效二是不動產市場的狀況三是不動產資源有無過度的傾斜再來決定措施適否調整那這個請問副總裁央行信用管制措施這個沒有推出第八波是不是代表成效已經達到滿分的這種狀況"},{"start":5024.773,"end":5040.483,"text":"我們會注意到房地產市場的整個發展情形還是央行能不排除有推出下一波信用管制措施的可能會不會我們一直說我們在滾動式的檢討請問副總裁檢視重點二不動產市場的狀況你認為哪些條件花生石央行才會考慮調整的措施"},{"start":5050.709,"end":5064.965,"text":"其實我們在考慮房地產市場的時候我們不是只有幾個條件說啦而且還是有看整個整個國內外經濟金融情勢對房地產市場的影響的再做判斷這樣喔好謝謝謝謝好謝謝李委員的質詢下一個請吳秉樂委員質詢請"},{"start":5082.386,"end":5084.047,"text":"主席麻煩請財政部莊部長部長我也好部長早齁看到媒體報導說光台北市的這個房屋稅就他的那個錯誤的這個稅單就五萬多張那為什麼"},{"start":5107.762,"end":5124.428,"text":"我們這個法律從去年立了今年要實施已經一年了為什麼錯誤的比例這麼的高什麼原因造成的是跟委員報告我們也去了解第一個就是他的錯誤主要是對於譬如說我們大廈裡面有自住的房屋然後又有一個停車位但是他把那個停車位"},{"start":5125.356,"end":5152.272,"text":"沒有隨同組建物一起用自住的稅率來課徵然後變成用非自住的房子來課徵那我們去了解原因是什麼第一個就是他說他的承辦人是新的今年承辦人是新的在那個他們的資料檔案裡面這個加注錯誤了一次發生那他們發現以後也立刻重新發單同時對於各所有的納稅義務人在進行相關的一個宣導跟說明主要是因為他們自己本身內部的一個資料加注的問題"},{"start":5153.767,"end":5169.558,"text":"雖然這個房屋稅是地方政府的稅捐基金處在處理但是媒體的評論是地方政府的稅捐基金處固然有錯那財政部跟他們之間的溝通是不是會有一些問題有沒有這樣的狀況"},{"start":5172.572,"end":5199.137,"text":"像這樣的問題在其他地方並沒有發生有啊新北市也有啊數量比較少而已啊新北市主要是因為他那個權狀他那個停車位一個單獨的權狀那他認為這個單獨的權狀他就把他當作非住家在客他的情況又跟台北市不一樣那這個部分部長你講的只是一部分我那天就是在我的網路上關我們新莊我不講哪一黨的議員就跳出來罵財政部說這個資料錯"},{"start":5201.998,"end":5221.443,"text":"是怎麼樣怎麼樣我找本黨的議員去跟他講說最終計算處是新北市政府的怪都財政部來我還特別維護你們的立場但是李沐香講的數量這麼少光是他那個議員在他陳述就是光新北市有好幾千件"},{"start":5223.69,"end":5238.127,"text":"謝謝委員我想第一個在今年實施新制的五月開徵那其實在我們法規定了以後財政部已經多次邀請地方政府來開會把他們因為有些地方政府在之前已經實施用"},{"start":5238.687,"end":5267.466,"text":"原来的房屋税条例它里面是用县市归附那这部分的经验很重要所以我们也采纳各地方政府的经验部分地方政府它根本没有实施的经验所以在这一次实施的时候它会产生一些问题新北市根本没有实施过这个差别税率依照103年那个税率所以其实这个部分我们当时是开过很多次会然后有关相关的地方税的系统里面也都做了一些调整所以基本上"},{"start":5268.106,"end":5295.335,"text":"在這個問題的發生我們也隨時都有在注意關注如果是屬於我們韓式可以做韓式的趕快韓式那如果是本身他們資料的問題也告訴他們要去做調整像台北市這部分就立即再做處理那新北這個部分因為他的認知上一直跟法規上有點落差所以我們今天又這個禮拜我們會發函告訴他就是要按照組建物的用途來課徵所以不可以因為他是單獨一張權狀公社就用非自助來課"},{"start":5296.255,"end":5316.107,"text":"發函當然有必要啦但是有的時候發函的速度太慢因為現在正在就是稅單現在就是收到在改的時候有的時候一邊發函一方面也要做一些電話啦或是網路上面的行政指導讓他們能夠很清楚的了解那種狀況因為現在新北市其實集合住宅有非常多啦以本席的選區新莊而言"},{"start":5317.808,"end":5342.548,"text":"那現在企業住宅有沒有住戶就佔很大的比例啊所以如果說公設啦然後跟這個什麼住汽車啦然後跟那個房屋主體啊這些都搞不清楚過去的錯誤我現在希望明年這些錯誤不要再有好不好雖然雖然這個基增是地方所以基增處的工作啦但是我們是盡量來跟他協助輔導讓他們盡量少犯錯"},{"start":5351.13,"end":5365.678,"text":"有沒有去參加APEC的會議目前來說市長的會議已經APEC開過了然後資深官員大概在最近幾個月財長的要到10月才會開秀峰會會更晚"},{"start":5367.502,"end":5382.677,"text":"這個川普美國川普總統上台之後大家就是認為說他的有些政策會影響到過去這個經常性的這些貿易狀況比如說關稅的問題所以有一些預測機構就會去下調這個GDP那台灣的GDP"},{"start":5387.267,"end":5402.883,"text":"我們被預測也是有下調可是還有一些機構是預測說反而我們會上調再加上4月我們的出口破紀錄了500多億美金有沒有那你覺得呢覺得這個台灣今年的GDP的表現會怎麼樣"},{"start":5404.493,"end":5420.188,"text":"跟委員報告第一季的GDP成長率達到5.37%最主要也是第一個出口的暢旺第二個就是資本的形成也就是我們的廠商加大投資的力道那至於後因為這不可否認是有因為美國因為關稅措施的關係那大家提前拉貨提前備貨"},{"start":5424.412,"end":5431.758,"text":"那之後下半年會不會因為前面提前拉貨後面就慢慢趨緩下來這個還要觀察因為為什麼因為對等關稅要到7月9號90天的屆滿後續會是怎麼樣的一個調整我們認為要持續的觀察然後我們的小組談判小組也在持續的應該在做一些相關的方案的模擬式"},{"start":5445.919,"end":5457.703,"text":"我們第一季5.37是蠻高的喔如果照這個統計下來那我們顯然我們第二季第三季第四季的經濟成長會狀況會不妙啊不然的話怎麼會平均數只有三點多所以"},{"start":5460.134,"end":5486.179,"text":"意思是說我們下半年的經濟展望是不好嗎是這樣的意思嗎平均數3點多當時是主總他在預測全年的3.14但是事實上第一季的部分已經比原來的來的成長那至於後面他5月底5月的下半個月還會5月底大概還會再公佈他的預測值所以有可能會修正就對了這個要看他公佈的結果"},{"start":5487.847,"end":5515.785,"text":"我們這一屆的立院是第十一屆嘛第十屆的後半段民眾黨一個不分區立委叫吳欣盈你記得嗎那時候你當部長了嗎我知道 他一直在推他其實都一直在推這個主權基金一進來就一直遊說 一直推弄了好多的資料可是那時候的政府基本上並不是"},{"start":5516.946,"end":5544.812,"text":"完全去支持這樣的政策有一些考量在那現在總統當然他是一個總統當然他可以宣布他希望未來的政策走向那但是政策走向還要經過立法還要經過周延的制度的設計那你現在剛剛你有回答前面的我有一頁講到這個主權基金的問題你有覺得這個政府在這幾年之間大概就是三四年之間這個政策有變化嗎"},{"start":5547.315,"end":5551.916,"text":"一開始的時候設置主權基金當然您提到吳委員當時有提到那只是說到底要怎麼設置他的財源來自於哪裡等等那個時候大概還僅止於討論然後現在政策上如果要成立的話那接下來就是要就是如同委員說要審慎的規劃而且要訂專法在專法裡面"},{"start":5567.481,"end":5586.87,"text":"必須對於大家所疑慮的部分要能夠去謹慎的規劃訂定讓大家覺得說這樣的是一個可做的那同時裡面好幾個比如說你的管理機構你的規模你的財財富的來源才哪裡以及是由誰來操作以及有沒有相關的管制機制都要詳細的訂定那這個我覺得要經過討論以後才最後落入專法然後能經過立法程序來做執行"},{"start":5592.213,"end":5621.486,"text":"那你會覺得總統任滿週年的這個談話速度太快嗎?走得太前面嗎?倒也不盡然因為其實主權基金之前就是譬如說像一兩年前就有在做討論然後也可以參考其他國際間怎麼樣在做執行你又沒有回答我的問題我是問你說你當部長這幾年你不覺得這個政策有沒有變化是不是從起先比較不贊成走到現在好像就是希望往這個方向推"},{"start":5622.562,"end":5642.736,"text":"應該說起先也不太明確起先不明確那現在是明確了中間環境有什麼變化國內的國外的環境有什麼大的變化當然國內國外的環境也會有變化比如說整個美國的這個因素關稅貿易的一個因素以及美國其實川普政府也提到有關主權基金這樣的一個議題"},{"start":5643.925,"end":5662.141,"text":"其實我覺得這是一個好機會因為現在的制度正式要對美國加大投資那台灣其實這幾年因為一直不停的順差所以我們實在是累積了非常多的這個超額儲蓄你應該要想辦法找到出口"},{"start":5662.822,"end":5677.929,"text":"那當然是不是所有投資人都願意照這個方向去做對祖權州基金的持股或怎麼樣這個是制度的設計問題我上次就跟他講說他用發行債券的方式"},{"start":5679.229,"end":5693.535,"text":"讓台灣的這個油資有興趣的人去認購然後拿這個錢去做主權基金對美國的投資我覺得這是不錯啊這也對台灣的這個超額儲蓄有很大的不然油資氾濫會使我們台灣的很多資產都"},{"start":5695.575,"end":5723.74,"text":"要控制很困難今天這個議題譬如說是房市的問題你的順差太多 你的油資太多你這個東西要控制就會變得艱難所以是用什麼樣的方式設計一個比較好的制度這個真的有待大家努力的把這個方面的制度整個弄好不過這個方向我覺得最大的差別是其實這兩三年來國際的環境以及台灣的自身的能力都已經有所改變"},{"start":5724.52,"end":5736.289,"text":"那政策當然是一個前瞻性的看法能不能落實還要看大家是不是很努力來把它變成一個真正可以操作的政策所以大家加油好不好謝謝委員 謝謝接下來請賴昭偉來"},{"start":5754.934,"end":5768.762,"text":"謝謝主席有請財政部長 莊部長還有央行的原副總裁以及金管會的彭主委三位長官一起彭主委 原副總裁 莊部長來委員好"},{"start":5770.768,"end":5792.648,"text":"三位長官好 首先這個當然我要回應要談賴總統昨天突然丟出一個主權基金了這個題目我在幾個禮拜前排過專題報告排過專題報告 央行的立場是很清楚的彭副 那個原副總裁"},{"start":5793.837,"end":5804.094,"text":"你們的立場是不反對成立但是呢絕對反對無償使用這個外匯存底這個辦法 對"},{"start":5805.492,"end":5811.719,"text":"理由是因為這個錢不是政府的錢這個錢是百姓的錢主權基金國家的主權當然是國家的錢去成立的"},{"start":5824.632,"end":5845.45,"text":"這裡面當然有人提到什麼挪威啦這個中東那些的殘留國家的主權基金可是基本上來講央行的態度比較譬如說是新加坡韓國的模式對吧我們是建議參考建議參考嘛建議參考新加坡韓國那就是政府出錢"},{"start":5846.884,"end":5866.522,"text":"對啊 政府出錢所以這樣一來 政府出錢 那就財政部啦來 莊部長 是不是所以剛聽你對前面兩位委員的回答你講起話來 這個話很流利啊 很流暢啊是不是準備挑起來了 你就變成負責單位了財政部就負責單位 負責主權基金 是不是"},{"start":5870.986,"end":5878.111,"text":"對於主權基金未來如何的詳細的規劃跟制度的建立行政院會邀集相關部會來做討論對我知道 但是如果行政院要我當主管單位你就一間挑起來啦 責無旁貸 可以這樣講嗎我想在性質上應該是不太一樣的財政部當然對於裁員的籌措是責無旁貸"},{"start":5893.3,"end":5917.273,"text":"那對於未來管理這個基金是由哪一個部會來做的話我想行政院會詳細的一個規劃跟討論管理我們要修專法嘛但是籌措是財政部這沒錯吧財源的籌措當然是財政部的籌措我要請教這個嚴副總裁央行適不適合你運不易當主管單位"},{"start":5920.438,"end":5946.279,"text":"主權基金如果成立的話總統就要成立了報告委員因為我們的外匯管理資產外匯存體的管理和主權基金的管理是完全是兩所以我覺得這個不應該由央行去追討央行不適合啦本來央行就不適合啦來來來先不要跑先不要跑你不要急著走啊我們都沒有問題啊"},{"start":5947.914,"end":5953.805,"text":"來 請問央行現在有沒有把O2存體委外代鈔有沒有"},{"start":5954.349,"end":5966.299,"text":"有 我們1990年代初期就開始 一年都有到現在還有現在多少呢 114年預估2.25% 額外去年2.25% 額外 實際是1.87結果呢 績效都比你們差嘛 對不對"},{"start":5978.752,"end":6001.24,"text":"那個報告委員 委外操作其實我們一方面是學習新的信用三筆操作另外一個也可以藉這個委外操作去學習很多先進的資產管理同時你要問你就是委外操作的錢那個報酬是不是比你自己操來的差我問你這個"},{"start":6002.36,"end":6006.844,"text":"沒有 我們有說過可能不能夠由一兩年的資料去看我們如果看過去十年或二十年 其實那個委外操作的績效還是有它的參考價值的"},{"start":6022.165,"end":6050.998,"text":"也比央行自己操作好嗎這個其實就是回答您的問題就是其實每年度會有差異啦這幾年都不好啦這幾年度這三年都不好啦所以我們也把有一些經營不好的那個委外操作的把它收回來我聽你講話你都不會接我的意思就是你央行自己做還比委外別人來的好對不對你何必要委外這個東西就是要大家不要打你的主意啦"},{"start":6051.878,"end":6058.481,"text":"你來自己做還比較好,你聽不懂還在那裡散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散散"},{"start":6081.77,"end":6097.513,"text":"那來來來就請教部長啊因為今天國安會沒有來其實就是兩個單位啦不然財政部不然就國安會可是國安會國發基金啊這到目前為止都虧損沒累啊做啥料啥做到處啥料啥"},{"start":6098.462,"end":6114.464,"text":"對不對,所以看起來是你就比較適合然後我那顆呢,這裡面你先不要否定我,過兩天就是你啦跟你講,你就跑不掉了啦你有沒有想過,外界最擔心的是什麼"},{"start":6115.945,"end":6122.513,"text":"外界最擔心的就是主權基金又變成如果你那個中間設計的不好又開始變成達證第二外界擔心這個啦達證你知道達證嗎"},{"start":6133.344,"end":6152.058,"text":"我覺得委員當然是考量的就是說未來在投資的部分人模不章啊裡面通通是有心人在那裡亂搞上下其所怕的是這個啦那誰要扛責任啊問題是這樣子的這個問題出問題誰扛 請問部長在制度設計上我想應該要去考量的這個要規範清楚喔規範清楚喔 這個"},{"start":6163.291,"end":6168.375,"text":"請教部長啊 你這次是去閩南參加ADB嘛 對不對好 韓國的財政部副部長公開說韓國財政部副部長公開說美國的代表美國財政部代表有跟大家講關稅匯率的問題請問美國代表有沒有跟你講匯率的問題沒有"},{"start":6192.131,"end":6219.714,"text":"沒有 央行代表有去央行央行是有代表去 對 沒有錯有沒有跟央行代表講這個我並不清楚央行代表我沒有收到這個訊息 我也不知道好 所以你不知道 那讓各位知道川普二月份的時候提到用關稅成立主權基金"},{"start":6220.959,"end":6237.9,"text":"所以這個某種程度是Echo我剛才論點的Echo這個央行的態度要用自己的錢不是外匯存體的錢因為關稅收進來變美國的錢用自己的錢去成立主權基金"},{"start":6239.797,"end":6258.382,"text":"財政部要求說你要不然就是發債要不然就是發債而且現在這個時機丟出來賴總統丟出來外界高度質疑剛才這個民進黨的執政黨委員來講啊擴大投資美國啊這就是外界擔心的啊錢送美國啊"},{"start":6259.99,"end":6274.297,"text":"執政黨委員都這樣講了講到我們的心坎處啊為什麼這個時候提出來現在就大放送給美國就是這樣啦不然突然再講一個主權基金那個記憶果這個東西央行綁了這麼久"},{"start":6277.162,"end":6284.547,"text":"講了這麼久 還在討論 討論 討論噢 動出來了為什麼因為關稅談判在即啊賴總統急著把錢要送給美國啦就是這樣而已啦你看好了大舉投資美國請問長官"},{"start":6301.255,"end":6314.323,"text":"未來主權基金怎麼樣的投資都還要再規劃所以我看就知道了嘛 莊部長一路就要跳起來了嘛好 那我現在請時間暫停請八位光谷的董事長過來好嗎"},{"start":6330.455,"end":6342.165,"text":"我是請教各位啊 各位動作快遞付時間 怕影響下面的委員我只問一個簡單的問題四月二號對等關稅之後請問各行庫有沒有賣美債 有沒有有的舉手 贏了 舉手啊"},{"start":6357.287,"end":6362.191,"text":"在這裡不能說的話 你也不要講話 舉手就好了有沒有賣美債 有沒有沒有賣美債的舉手啊怎麼會這個趙鋒等等 兩個都沒有舉手 行了吧報告委員 因為這個教育的數字我必須要再去查一下 我不確定印象都沒有印象我不確定後面那個舉手的是哪一家"},{"start":6387.366,"end":6408.907,"text":"那個 彰化銀行 我們有適度做一些調解適度做一些調解來 我請教央行的副總裁有沒有賣美債 有沒有那個 報告委員 因為我們的那個資金操作我們隨時都會有買有賣的情形Net Net Net Net"},{"start":6411.397,"end":6432.555,"text":"那個報告委員因為我今天準備的是房地產所以我沒有特別去記那個數如果事後我可以提供給您參考我所知道啦NET是沒有啦NET是沒有啦因為沒賣幾乎沒有啦因為幾乎沒有動啦其他的行戶幾乎都有賣啦對吧"},{"start":6436.943,"end":6459.812,"text":"你們回去查一下 師傅給你們報告好不好這個我要提的東西就是現在美債被穆迪來嫁了那就請教金管會的平組委啊現在因為這個主要影響最大是授權公司啦IFRS17本來預定明年"},{"start":6461.241,"end":6484.312,"text":"市用上路嘛對不對是的會不會影響目前沒有這個規劃沒有影響先等一等不要急嘛不要急前面沒有拖很久啦我都讓你拖很久我都讓你拖很久我讓莊家斌拖了二十分鐘咧不要這樣急嘛這個沒問題好幾位董事長可以回去了齁"},{"start":6487.315,"end":6493.258,"text":"最後一個 財政部長留下來就好了因為今天主題我一定要問一下主委可以回去了主任財政部長房屋稅2.0從居住市值變成社級造成了很像東非的動物大遷徙因為比如說"},{"start":6512.988,"end":6534.682,"text":"張三房子一棟車子車庫一戈不同的全裝結果就要課不同的稅懲罰單身嘛你們現在700多萬單一的資用的稅已經交了可是200多萬的各種樣態財政部等你們寒市你們什麼時候寒市可以出來"},{"start":6536.898,"end":6561.711,"text":"單獨這個部分這個禮拜就一定會出來這個禮拜出來好喔這個禮拜一定會出來你所得稅都可以延到六月底的為什麼黃稅這個亂象乾脆延到六月底啊如果要有更正稅單這種情況的話繳款期限都會往後延的可以延到六月底這個部分各地方我們在發單的時候他看他發單的時候他就會往後延好謝謝是我沒有超過五分鐘啦好啦謝謝來謝謝"},{"start":6568.449,"end":6578.473,"text":"這個我拿下去謝謝主席 有請金管會彭主委彭主委"},{"start":6595.04,"end":6602.389,"text":"主委你好主委最近有一家公司中頂工程公司出了一個大狀況他的運送賬款高達196億他總淨值也不過是196億就這麼剛好"},{"start":6610.66,"end":6625.814,"text":"可是這裡頭有很大的問題是說中頂在兩年前就知道這個工程款有出一些問題但是還不斷地投入這個工程費用累積起來的金額才會虧損越來越大但是該發重訊的時候"},{"start":6626.815,"end":6650.703,"text":"他發了 但是卻是不實的重訊說對他財務都沒有什麼影響但是今年第一期已經認列31億的虧損還自稱說他可以收回來後續的196億可是問題雙方的合約的認知當中就差了4億美元也就是說4億美元當中呢是雙方的認知的差異就120億根本收不回來的情況底下他對外還宣稱他可以收了回來"},{"start":6653.078,"end":6678.474,"text":"這家中頂公司呢在過去ESG的時候在治理的部分的評鑑是前5%的殊榮在ESG的治理評鑑而且連續六屆還有100億以上非金融私人電子業的前10%看起來表現這麼好但是呢這結果在它4月16號的時候在突然告訴大家說有196億可能收不回來股價連跌四天這簡直是在坑殺股民嘛"},{"start":6680.063,"end":6708.488,"text":"股民當下就當損失了35%而且不只是股民損失連員工啊三個員工信託還損失了18億而且還有三家銀行也倒霉永豐銀行彰化銀行還有玉山銀行可是這件事情啊我看到就只有徵交所因為違約的問題罰他20萬從頭到尾都沒有看到主管機關金管會表示過任何意見主委是狀況外嗎"},{"start":6710.021,"end":6732.227,"text":"我想這個如果說剛才像委員提到是因為重訓的問題還有這樣合約的問題我們交易所確實會有一套的程序就如委員講的這個不過這個金額重大也影響到市場的這個剛才看到這個股價有顯著的影響嚴重一點這搞不好是變相的掏空欸嚴重一點搞不好是特別類型欸 主委"},{"start":6736.529,"end":6762.034,"text":"196億欸 坑殺多少股民他對外謊稱還說可以收回來100多億事實上合約落差就差了4億美元之多啊不時中憲的處罰最低28 最高480這期局都沒有動欸我們不知道張局長在忙什麼主委你在忙什麼這件事情監管會完全完全狀況外而且他還有市民讀懂喔"},{"start":6763.354,"end":6785.468,"text":"這四名獨董都是在馬英九時期的官員喔一個是李建宗喔工程委員會副主委 施南祥以前當過經濟部長喔還有一個央行的外匯局局長喔 顏輝煌喔都是一時之選啊四個獨董是啞巴是不是跟委員報告一下 現在交易所還在瞭解中蛤 交易所還在瞭解中 你這是官話嘛"},{"start":6786.896,"end":6815.388,"text":"已經兩三年了4月份就虧損了35%你現在告訴我交易所還在瞭解說交易所已經罰他20萬了是你正期會需要瞭解中吧重大訊息都沒有做任何的表示意見這件事情要怎麼處理這個案子我會立刻請我們交易所審慎來處理一來內控失靈啊二來有沒有外控機制啊"},{"start":6817.422,"end":6830.399,"text":"類似這麼重大事件我們的投保中心或者我們相關的主管機關銀行局或者保險局能不能委託會計處去查核去了解主委"},{"start":6835.834,"end":6853.99,"text":"這些部分的話是說這跟我們的保險局是要去查核我會請我們政企局跟交易所來好好來處理這個案子對啦事情已經這麼嚴重了而且還不只一家後面還有後面還有一個台積電的概念股"},{"start":6855.491,"end":6881.436,"text":"這個叫萬刃科技他明明是受到駭客的這一個集團的勒索在4月20號重大訊息的時候說沒有個資沒有機密的問題沒有重大文件的歪落結果5月17號人家就把他公布出來了一樣是重大訊息不是金管會有沒有做什麼類似的事件啊我想剛才委員提到一而再再而三的發生啊主委"},{"start":6882.398,"end":6882.979,"text":"兩個案子多久給本席答覆"},{"start":6901.415,"end":6916.075,"text":"我想當然這個時間我們會盡快但是這部分應該是要我不是背賴我相信你辦事的能力先釐清先釐清那主委我再就教您一個問題這個問題您是專家那我是粗淺的了解"},{"start":6916.956,"end":6930.815,"text":"但是就相關的數字當中大家都知道台幣的升值對受選公司的影響非常之大在四月份的時候就已經六大公司就已經虧損一百八十億那時候升值不過三點六四五月份的時候升值超過六"},{"start":6932.037,"end":6956.144,"text":"那我們知道淨池是浮動的但是保險公司因為淨池的浮動視為一個利多或利空的現象的各自解讀只要賺錢他說是對的虧錢也說是對的但是在帳與碟之間差別非常的大在2021年的時候有一年金管會就核准了9家受險公司給他發562億的現金鼓勵去年又出現了赤膏"},{"start":6963.178,"end":6981.717,"text":"聽說有好幾家這個受選公司說也要求比照辦理要發240億的現金鼓勵有沒有這回事其實應該是這樣講就是說公司的經營比如說今年看到的現金鼓勵發放其實是去年績效我想這個大概都是按照這個規定來做那"},{"start":6982.378,"end":6998.201,"text":"保險業比較特殊他們的現金鼓勵的發放要經過我們保險局的審查也是要考慮到這個問題那如果說他已經比如說已經這個程序做完了東西那他已經程序做完了那符合這個規定他當然去發那至於說你要讓他發了嗎"},{"start":6999.722,"end":7026.75,"text":"這個東西先跟委員報告一下就是說我們今天假設說還在程序中的話因為這部分的話我們也要尊重因為我們做完的裁定這是去年的事情剛剛講損益的數字波動也有我們已經考量到現金發放我們已經考量到它很多人的因素已經做出了我不要讓他去那個2021發完沒多久美國升息禁止暴跌之後隔年這個星光人壽就因為RBC不足然後就要增資了嗎"},{"start":7027.77,"end":7048.618,"text":"你不覺得很荒謬嗎這個當然委員關係的事啦像比如說我們有些公司如果還沒有發放的他來申請的我們就會跟他請他做這個評估你這四家我認為你要好好的思考清楚其實每一家都要好好思考對 每一家都要好好思考每一次申請都要好好思考當然我們現金鼓勵其實這樣子你隨便讓他賬面稍微好一點那改天又跌了"},{"start":7049.258,"end":7069.555,"text":"在漲與跌之間然後就在漲的時候就可以發股利跌的時候又不一定拿得出錢你看現在RBC的狀況其實我們現在的審查機制已經考慮到這些內容因為像我們其他的銀行的話他是不需要做這樣的審查因為財報的屬性剛剛委員講的財報的屬性不一樣您最清楚啦我會私底下才能請教您啦可是這個問題就是因為受顯業的特殊性嘛"},{"start":7073.018,"end":7097.533,"text":"不應該他跟一般公司一樣嘛 帳面上看起來好像有就可以發但是帳面上沒有的時候他補不出來啊如果真的去了解他比如說財報上的損益跟他真的發放其實會有大大的距離所以說你已經決定要發了嗎我剛跟我們報告過就是說我們已經核准過的因為政府是他執行公權力的部分那現在這幾家呢現在這幾家我們會再來請他們審慎思考你要審慎思考一下啦"},{"start":7098.493,"end":7112.189,"text":"另外一個RBC的部分目前為止不足200的大概有多少家就你所掌握的RBC的部分其實上因為我們現在一家就一家現在RBC"},{"start":7113.77,"end":7140.765,"text":"因為跟我們報告這是時間差的關係啦因為我們是每半年看一次不是每天在看場地上就是12月31號跟6月30號我希望你時常好好的watch一下啦這個我們每天都在watch最後我還有一個問題要問您你知道今天央行的報告當中就是資本集中度雖然有下滑但是還過度於偏重於這一個不動產的部分"},{"start":7142.858,"end":7166.533,"text":"現階段這個財政部有要求嚴格的管控希望不論這個建商的存款多少他要販款的部分的額度要朝向降低集中度降低不要偏重特定部門這也是符合央行目前的一個報告的方式但我就就教於主委啦財政部所管轄不過公股銀行八大銀行而已我想請教一下主委是不是應該所有的銀行都應該比照辦理"},{"start":7167.653,"end":7196.101,"text":"其實我們已經逐步在做這件事也是這個是政策我們基於風險管理的角度其實央行的政策是整體國家的房地產政策不是只有針對公股銀行的房地產政策那如果是這樣子你覺得這樣下降的幅度怎麼樣其實因為這個市場上有它一定的我們也希望說能夠用政策的導引我們也確實看到剛剛講那個不管成長率或是真的也在下降中好"},{"start":7197.281,"end":7224.913,"text":"謝謝主委我耽誤一下主席一分鐘主委還有我謝謝主席而已最後一個部分主委有一個委託書的制度我不談個案我談這個一般而言外資來到台灣10%以上的話要經過我們的投審會10%以下的話他基本上可以透過有限徵求或無限徵求的方式比如說10%以下他的有限徵求跟無限徵求都可以達到一定的程度介入這個經營權"},{"start":7227.495,"end":7247.474,"text":"這個問題確實是 我覺得是一個漏洞對 這個確實 我們正在檢討這件事情因為當時任何的外資在投資台灣都有他的目的目的不同 審核的程序是不同的那我們也在盤點這些是否有些可能被拿來做一個不當的利用 我們正在處理中"},{"start":7248.095,"end":7262.471,"text":"然後舉其例啦譬如講你如果化齡為整而想要爭奪這個經營權或介入經營權的情況底下是不是應該再回到投審會的方式再審查一次這個其實我們一開始審查就是分流"},{"start":7263.012,"end":7281.638,"text":"是一個比如說你是一個直接投資FDI還有就是超過一定股權以上本來就是由投審會來做這個審查其他所謂的目的單純的財務投資那當然就是由金管會基於因為國際的資金的流通所以如果說你的目的是不同的那當然就要就是換軌嘛"},{"start":7283.118,"end":7296.323,"text":"就要回到他的本意去對 應該回到投審會一起來審查他才能夠公開的介入或者其他的方式處理分流的本意對啦 麻煩你跟投審會我們已經在處理中我們已經打成一個機制的設計好不好是的好 謝謝主委 謝謝主席好 謝謝郭委員的諮詢下面請賴會員召委諮詢進"},{"start":7307.01,"end":7310.412,"text":"謝謝主席 有請金管會彭主委還有卡局賴局長主委早安我想先從這個2005年我們的卡債風波其實那時候的債權高達7900萬那7900萬我們看到了就是說"},{"start":7332.725,"end":7359.525,"text":"在2005年這個債權就是當時銀行的債權就高達7900億了那新型態的一個債權其實我們知道是來自於融資公司光是五大主任公司的中古車的業務的一個規模來看我們都擔心說在下一波最大的消費者債務風暴可能會是來自於這個融資公司"},{"start":7360.505,"end":7366.911,"text":"我們單單以一個社工他在講,他說,層出不窮的一個貸款,貸辦的一個詐騙業務他這一個新型態的債務已經年輕化了,新型態的債務我們統稱大概是租賃"},{"start":7381.601,"end":7402.706,"text":"我們看很多年輕人他們其實負債的原因竟然是詐騙他們為什麼需要去借錢竟然是因為事業資金的一個需求然後第二項竟然是詐騙可見這個詐騙其實也是目前我們一直要去考慮到他的"},{"start":7403.286,"end":7426.888,"text":"那我們再來講最近就是我們的ATM每日的提款的一個額度這個額度就是說我們知道那個國泰世華他在去年的12月14號他已經調降金融的那個提款每天的提款從20萬把它調到15萬甚至就是說兆豐的數位帳戶"},{"start":7428.77,"end":7442.537,"text":"帳號已經調到就是說你每一天只領到一萬那在這裡請教主委就是銀行是基於什麼樣的一個理由來調那個調降每日的這個提款的額度呢你的看法是怎麼樣"},{"start":7443.457,"end":7467.157,"text":"我想今天待會兒銀行局局長在這邊還有我們兆豐的董事長也在這邊我先就儘管會這邊因為其實上因為當然很多的因素我們推測是因為當然各家銀行基於自己的風險管控還有最近詐騙很多他們會根據他銀行的屬性客戶的屬性跟提款的金額做分析自己決定這個金額的限制"},{"start":7468.078,"end":7483.615,"text":"我想這個也是因為我們整個的剛剛講所謂的保護民眾的財產安全當然這會造成一些不便我們銀行自己要承受一些客戶的怨言可是主委這個就是跟上一次我們一起討論的就是那個取消自然人憑證"},{"start":7485.257,"end":7501.325,"text":"可以完全去風險化的經營你看這個在美國在其他的國家他們已經是利用ATM就是說智慧性的一個半零貴的一個服務大眾了難道其他的國家沒有詐騙的這些問題嗎其實這個全世界都非常嚴重"},{"start":7502.405,"end":7520.307,"text":"當然啊,可是人家也勇於就是說我敢就是讓我的ATM服務服務就是這一些提款人然後又可以防堵詐騙啊對啊,所以其實我們市場上也不是所有的銀行都這麼做,因為我們其實有時候可是你已經你的銀行陸續在調整喔"},{"start":7522.609,"end":7538.923,"text":"對 就是因為有時候是從20萬調整到15萬就是一直下降啊確實這裡是我們會關切喔就如果說已經影響到民眾的基本權利當然在很多狀況不是很清楚的情況銀行會先做一個預印然後再看看主委我想你應該想一些比較就是"},{"start":7539.423,"end":7563.654,"text":"比較智慧性的一個方式來服務大家而不是用黃賭的方式理解 我可以請銀行局長跟您簡單的回覆一下嗎沒關係 這個我們事後再來討論那接著跟主委探討一下年增的一個次數的限制到底這個年增次數的限制有沒有符合金融自由市場"},{"start":7564.714,"end":7585.465,"text":"的一個需求我們常常就看到了銀行法規的一個規定就是說在三個月中你如果申請那個三次的話就不能貸款這到底年增中心講的是不是這是真的嗎各位我們抱歉這個我確實沒有那麼清楚我請銀行局長跟您解釋謝謝"},{"start":7589.101,"end":7602.54,"text":"這個應該是銀行從他的獸性失誤來看就是說當一個人他頻繁的去被查詢連徵那可能是他在資金的需求上會有比較急迫的一個情況不過這個並不能夠作為說銀行巨大的一個理由"},{"start":7603.669,"end":7627.784,"text":"所以當然銀行是不能這樣做的如果說我就是在這個幾個月內我又要信用卡開戶那我又要到銀行就是帳戶我的證件開戶的話那我辦信用卡我可能就是會在短時間我可能會有連續幾次那就是說會用到這個年增的一個次數所以這樣子顯然如果像局長你這樣子講的話這顯然是詐騙"},{"start":7630.205,"end":7644.919,"text":"集團的一個術語而不是就是我們銀行的一個堅持如果你這樣看的話是同意委員的一個看法所以這個是那個貸款那個貸片那個貸棒的一個話術"},{"start":7647.581,"end":7663.548,"text":"你的看法啦對這個在銀行的那個評分系統裡面他或許會有些銀行他會把他納為一個評估的因素但年增次數查詢多次這個絕對不會是銀行作為借貸的一個條件那是銀行的一個內規嗎銀行管理上的一個內規就是"},{"start":7665.469,"end":7687.556,"text":"對 銀行回歸到他的那個風險系統裡面他對每一個風險因子他都會有不同的權術那這個部分當然是回歸到所以你看啊就被這些那個貸款那個貸辦的就是把它用來做一個他們等於是詐騙的一個手法那這個部分根本也沒有報告我們禁止銀行接受貸辦禁建"},{"start":7690.081,"end":7704.356,"text":"當然啊 當然我們是一定是禁止啊可是問題是你這個禁止好像也禁不了啊你看還是窮窮不窮啊我們會從日常監理跟金融檢查這兩個管道嚴格的去杜絕銀行的進建是從代辦公室進來的"},{"start":7705.458,"end":7721.894,"text":"是沒有錯可是你一直黃賭他他還是一樣我們用113年9月到12月的詐騙案件的前十大被害這個被害的一個方式我們看到了這個113年的案子你看男生被害的"},{"start":7722.635,"end":7739.188,"text":"還有就是排序就是謊稱是代辦貸款這個第六名那免信貸款代辦被騙錢的是第八名這個普遍還是存在的那顯然就是說我們這些防堵的效果就不明確"},{"start":7740.872,"end":7757.079,"text":"跟委員報告這個部分我們會從兩個面向來著手第一個部分我們會持續的要求銀行是絕對不能夠接受任何一件代辦進來的案件那另外一個部分委員剛才有提到這樣子一個現象我們會加強在金融宣導的部分會加強的宣導"},{"start":7758.346,"end":7785.624,"text":"會加強先導我就覺得說這個如果在我們金管會一直在強調普惠金融這個實在是有一點這個諷刺你看我們在警政署在4月2號今年的4月2號詐騙的統計當中他上那個去年的下半年的前十大詐騙方式他這個那個貸款的那個代辦他還是榜上有名"},{"start":7786.505,"end":7806.319,"text":"那可見就是說我們這幾年我們這些普惠金融我們這些黃賭顯然是沒有效尤其是那個金管會大概是在每年的過年你就會有一次的一個宣導那就是提醒大家不要被騙可是你們一直就是做了這些事情的時候"},{"start":7808.499,"end":7834.362,"text":"可是還是很多人被騙那感謝委員的提醒我想這個詐騙我們深惡痛絕那方法我們不能昭示用老所以我們當然就是說我們會來這個委員的提醒我們也會跟銀行來想想看除了我們過去宣導加強查核以外有沒有更積極的作為因為這是一個老問題但是我們想新方法來解決我們來加強謝謝委員的提醒好 主委"},{"start":7835.663,"end":7863.015,"text":"那我們用新方法在去年的7月我們已經通過了詐欺犯罪危害防治條例那這個防治條例如果金管會跟蘇阿部共同研擬加強防治就是查緝那個貸款的貸辦的一個詐騙這個有沒有效那如果有效的話你是不是我想有效沒有效這個是一定要研究的你說我們假設他是透過廣告的部分的話我們來"},{"start":7864.235,"end":7891.68,"text":"真的這部分我們本來就有一個有系統的偵測詐騙廣告的查緝的這個作為那我們也可以把這個列為未來相關的比如說關鍵字啊這些東西我們先從救援在廣告上面就來處理也是一條路但是我們就會跟這個相關的我們單位在演繹假設這個問題我們想想看有什麼更好的方法來處理這問題不過委員剛剛提起來這還是很多就是說當然就像我們過去在做打詐的時候是"},{"start":7893.068,"end":7896.202,"text":"這個不打更炸所以我們希望說但是招式一定要"},{"start":7899.084,"end":7925.131,"text":"與時俱進我們的方法要來改變以時俱進所以就是說我現在就是請教主委如果這樣子的話這個金保法的一個那個就是也是有把這個我們的金融那個就是代辦那個貸款代辦的一個業務納入金融服務業那是不是就是說我想也是在一個月內提供一個書面的報告這邊我們會來"},{"start":7928.272,"end":7938.898,"text":"會來按照這個報告提出不過我們認為說這個東西要納入的話也是要多方評估我們再把這個意見再跟委員報告好 謝謝謝謝主席謝謝賴常委我們現在會請李燕秀委員質詢我們要報告委員會我們在等下一位宗嘉斌委員質詢結束之後我們休息十分鐘"},{"start":7953.707,"end":7953.888,"text":"主席"},{"start":7966.801,"end":7994.776,"text":"副總裁我就直接就我的議題我想在總質詢的時候我曾經也跟卓院長討論過成立主權基金那果然在520這一天昨天賴總統就特別提到主權基金的問題那我當時我在總質詢的時候我有特別提到就是說到底評估報告什麼時候會出來整個央行的評估報告到底什麼時候可以給我你們當時有承諾我要給我評估報告是一個月還是三個月"},{"start":7996.818,"end":7999.299,"text":"昨天賴總統講到主權基金這件事情我個人是支持的"},{"start":8010.58,"end":8029.946,"text":"但是賴總統在講這件事情都沒跟你們都沒有一個評估報告出來嗎跟總統報告嗎這個對國家的正面或者是我們要我們要如何做我想你們應該還是一個整理評估報告吧那個報告委員從歷任的政府總統總評會評估報告就丟出來好我希望我希望"},{"start":8030.766,"end":8054.277,"text":"三個月之內把評估報告完整詳細的評估報告給我因為這個主權基金我相信在國外許多國家其實運作的都非常的好但是如何維持它獨立性跟它的防弊性我覺得是要這國人大家都關注的那另外目前我們有沒有預計賴總統昨天說了我們何時會成立是一年兩年還是有沒有時間表"},{"start":8057.121,"end":8074.494,"text":"這個還是要由那個整個行政院在討論才能確定因為還要涉及到修法這些問題專法的設置這樣子好那您個人認為到底未來這個基金的部分是來自外匯存體還是四大基金我想那個楊總在5月8號的報告已經很明確的點出我們的對這個問題的看法"},{"start":8080.24,"end":8095.606,"text":"內容是什麼基本上它有三種方式財政部的發債財政部撥款或者是財政部出資那這是我們可以看到我們參考主要參考新加坡和中國的經驗也不會動到四大基金也不會有減持美債的問題都沒有這是細節的問題啦這不是細節的問題因為四大基金有它的法源它自己在運作中資金的來源很重要"},{"start":8109.942,"end":8129.954,"text":"我當時在總質詢的時候我特別有提到對於主權基金這件事情未來一定要成立專法第二政府不能求援兼裁判第三要符合遵守聖利亞哥原則也就是說資金來源它必須由整個政府統籌規劃而且不能無常撥用"},{"start":8131.275,"end":8152.635,"text":"這些大原則只是讓基金運作維持它的獨立性但是國人更關注從這兩天媒體更關注的就是說基金主權基金在很多國家運作的很好持正面但是如何幫國人擔心的是如何防弊包括未來會不會變成第二個達政案或者是未來如何防弊它有可能變成黨權基金"},{"start":8155.918,"end":8176.316,"text":"這個都是要跟國人交代清楚的所以我期望在這個專案報告裡面就是說你們評估報告裡面這些事情必須要交代清楚所以如果你剛才講資金來源那未來所以完全不會由外匯存底這邊來去做資金的來源之一嗎不會"},{"start":8177.017,"end":8178.48,"text":"會不會低於未來外匯全體投資運用的報酬2.6%"},{"start":8190.011,"end":8206.719,"text":"因為主權基金他的投資的報酬率偏高但是他的也面臨很大的風險這跟外匯存體的操作是不一樣所以我提的是說央行有償借用的部分不得低於央行現在外匯存體的投資運用2.6"},{"start":8208.874,"end":8219.218,"text":"照理說是這樣子所以我剛剛一開始才提到就是說必須要有長波用那有長波用就得付利息啊你的利息就不能低於現在外匯城裡的投資運用的報酬2.6%"},{"start":8221.477,"end":8247.603,"text":"這個是我們以後在思考這種委外操作的時候我們有一個基本的標準那是不是適用在這個未來的國家主權我再提一次就是未來那個必須要成立專法不能求人兼裁判必須要有專責的主管機關如何不能無常撥用而且必須遵守聖地牙格的原則那如何防弊的部分我覺得也是整個央行要對外交代清楚好我時間先暫停"},{"start":8249.404,"end":8253.288,"text":"財化法的實施日期我們公告日期到底是幾月幾號哪一年什麼時候"},{"start":8271.008,"end":8285.244,"text":"這次修法通過的時間我記得是去年三讀通過後來總統公佈實施的日期修正實施的日期是什麼時候開始3月吧3月好那我就跟你講答案是114年的3月21號是今年的對好是今年那"},{"start":8291.25,"end":8299.873,"text":"當時我記得卓文泰院長提到複裕三月再提出複裕的時候報告也寫得很清楚他當時說公佈實施日期認為沒有準備的時間作為複裕的理由所以很明確實施日期就是3月21號114年那部長我要提醒你就是法律的解釋"},{"start":8312.037,"end":8331.829,"text":"千萬不要當作政治工具如果當時才化法我們當時有寫一條就是說我們對於地方的補助不得低於前一年當時那個才化法有寫一個但書我不應該講但書裡面條文有寫得很清楚對於地方補助不能低於前一年"},{"start":8332.449,"end":8344.574,"text":"所以如果我們公告日期不是如果確定公告日期從當時的文字包括卓院長夫妻的理由都是公告日期都是114年3月21號所以他的基期就是前一年113年所以地方的補助應該是回歸到用113年來去做基期"},{"start":8356.319,"end":8376.772,"text":"所以這個部分我必須要提醒你們的所以未來在編列一般補助款的時候就不能隨便去做調整這是依法一般性補助款的編列是在主計總署我知道我知道但是我只是提醒你我只是提醒你們跟主計總署主計總署今天有來嗎"},{"start":8378.473,"end":8391.213,"text":"今天沒有主席總署我只是提醒你們這件事情法律上文字寫得很清楚而且有入法就是不得低於前一年時間先暫停部長你請回我請彭主委"},{"start":8396.613,"end":8414.38,"text":"主委因為時間一直在跑我今天議題非常多我另外一個就是我接受到陳情的有關於IPO的責任額我們目前ETF市場爆出IPO之亂那也引起很多音樂園也好寫了很多檢舉信函要終結IPO的暴力制度"},{"start":8419.602,"end":8438.01,"text":"主委你對於這件事情因為我知道幾個券商其實都對於內部的音樂園有給一些責任而的壓力那對於定責任而這件事情你的看法到底如何合不合什麼樣是一個合理的做法那我們如何去做一些調整或改善"},{"start":8439.03,"end":8454.624,"text":"報告委員,我想在所有的金融機構各行各業都一樣所有的業務單位定有責任額是非常普遍而且是非常常見的現象但責任額合不合理這件事情才是它的關鍵"},{"start":8456.426,"end":8480.127,"text":"我想這部分金融機構是受高度監理行業我們收到的檢舉信以後我們也非常重視我們在第一時間在我們的業務會議上我們就討論過這件事情我們責成我們相關的各個業務局趕快去了解這個狀況有沒有涉及到一些勞政法規的違反還有就是我們講我們在有沒有做這樣會促進不當的所謂的銷售我們正在了解請他們再匯報這個想法"},{"start":8482.889,"end":8501.255,"text":"這個是牽涉到各個公司各自的營運但是我剛才講就是說責任的這件事情並不是新的東西我想大家都知道我理解各行各業他總是會定一個目標嘛KPI嘛但是怎麼樣因為我必須要提出說像去年00940一屋風的強國我的意思就是說東西產品體質是好的是健康的"},{"start":8505.416,"end":8530.309,"text":"大家看得清清楚楚自然大家都會去買所以怎麼樣是一個合理的責任額那特別是我們現在整個金融產業面臨很多國際性的挑戰那這些營業員又要賣國內外的期貨又有相關的保險又有海外的債券要去做處理所以其實身心壓力也都蠻大的怎麼樣是一個健康的市場健康的工作環境"},{"start":8532.83,"end":8533.611,"text":"我們會盡快的來處理這件事情"},{"start":8549.324,"end":8562.539,"text":"所以會訂出一個比較合理的管控辦其實這個問題是非常每家公司的制度不一樣但是我們會先請相關的工會先用一個自律的方式去了解這件事情然後再訂出一個合理的規範"},{"start":8563.373,"end":8589.139,"text":"好 謝謝主委我第二個問題我要請問一下就是行員挪用前一陣子有何故富邦金 凱基銀行人員挪用客戶款項的這些問題那過去黃天牧黃主委他有過裁罰那我們最近這幾次我看到只有做糾正那糾正這個處分會不會太微不足道或者是我們有沒有其他的管控的辦法去加強"},{"start":8590.399,"end":8617.603,"text":"這些金融機構的內控的機制你有什麼樣的做法謝謝委員剛好也給我個機會來說明這件事情其實剛才舉的說其實我們在過去歷任主委其實對於我們所謂的挪用這樣一個事情其實都有不同的處理也都有採取非常多糾正的案例這個倒不是採取什麼方式最重要我們的銀行法的規定我們本來建制有三道機制"},{"start":8618.303,"end":8635.621,"text":"如果銀行在自己在第一到第二到就主動發現了這件事情那這是我們本來建立這個內控制度最重要的我們不會因為這樣而去處罰他而且他已經確實的去防止代表他的內控機制是穩健的我想立正主委的標準都一樣所以你個人覺得糾正就夠了不是"},{"start":8636.181,"end":8664.188,"text":"就是這個東西但是我跟委員報告如果說今天是已經穿透了三道防線比如說客戶來檢舉才知道像比如說很多人說這個案子為什麼過去罰得重這些是銀行他自己渾然不知到客戶發覺我的短掃的時候才來那當然即便你主動通報我照樣一樣是要處罰這我想這法上非常的明確只是假設把一個例子不當的比較我覺得不是很好我想我們都是依法辦理"},{"start":8665.134,"end":8688.876,"text":"我理解依法辦理但是未來如何不再有類似的狀況發生你這個機制只有糾正到底夠不夠我尊重我尊重因為每個人做法不一樣我們是要達到最好的內控不再發生類似的狀況發生所以我想要多去再做進一步的事我們一向就是我們其實定規定是行其無形不是因為我們會區分各種不同的樣態"},{"start":8690.317,"end":8712.108,"text":"對一個已經善盡自我管控的銀行這種微小的措施要主動舉報我們當然是鼓勵這個比如說他們要所以你可以用很多不同的彈性就對了這個本來法規就很明確的規定不能用最終的結果說這個叫做糾正叫輕這個叫罰叫重其實如果仔細研究案情都是不一樣的好 謝謝主委謝謝 謝謝委員好 謝謝李委員的質詢下面請周委員質詢總經理委員請"},{"start":8722.039,"end":8724.616,"text":"響鐘"},{"start":8733.994,"end":8752.37,"text":"主席 在場委員先進 列席的政府將上 官員會長 工作夥伴 媒體記者 女士先生有請我們央行的嚴副總裁財政部莊部長 以及金管會彭主委那麼彭主委那一段的部分 請銀行局跟保險局的兩位局長陪同"},{"start":8753.467,"end":8763.36,"text":"好 運動安全抱歉區的局長在碰壁stand by好 謝謝首先先請教我們先就叫主權基金來請教副總裁我們看到了昨天總統發表了"},{"start":8766.563,"end":8781.736,"text":"談話說成立主權基金正是時候那提到三個兼顧他要把國發基金轉為國內的產業再造提升產業的競爭力但是呢 強調我們的主權基金是要做國際的經濟戰略布局某個程度來講 簡單來講就是在國際上賺錢請問總裁認為總統這樣的一個是跟之前央行的主張是不是一致"},{"start":8790.441,"end":8813.728,"text":"我想這是我們看到的主權基金這樣的規劃的確是一個大翻箱我們也提到學者專家對這些有些建議這些建議也跟之前央行總裁的談法差不多譬如說不建議動用外匯存底或者政府來提撥預算這當然說如果動用外匯要用有償的方式再來也不支持央行作為主權基金的管理機構這兩點您都認同對"},{"start":8816.249,"end":8825.651,"text":"好那接下來問財政部長了來莊部長在前面上一頁學者建議說既然不要用外匯也不要提撥預算他用稅收的超徵你同意嗎認同嗎"},{"start":8827.263,"end":8850.226,"text":"主權基金成立的規模要有多大那稅收這個部分是不是足以支應這個是要考慮的就是說你也不反對它的規模如果需要動用到超增的稅收雖然我不太想用超增的字眼但是你也覺得財政部可以來支持是嗎這個部分要涉專法第二個依照現行的預算法裡面對於稅收如果執行的比預算好的話第一個要"},{"start":8850.747,"end":8856.379,"text":"第一個先還債那如果會動用到假設是用稅收超徵的部分那你認為會是財政部來作為主管機關嗎"},{"start":8859.035,"end":8881.409,"text":"我覺得這是兩件事情好來金管會主委謝謝兩件事情很清楚了那最後我們看後面下一頁所以如果說央行不適合那麼財政部也不適合那麼金管會您來建議一下作為局外人因為總統說要問幾個單位要問國發會要問央行還有其他的財經部門剛好您是財經部門當中一份子你覺得呢"},{"start":8882.52,"end":8906.407,"text":"我想委員給我一個問題其實剛才那個莊部長跟我們的副總裁都有做答覆他未來會按照我們這個院裡面的大家來協調來決定好等到總統問你的時候你再講謝謝副總裁請回接下來我要請教莊部長部長剛好前面幾位也問到了那個房屋稅已經召委排的目的那時候我問到了"},{"start":8907.908,"end":8919.523,"text":"這個共有房屋人為全部自住的房屋那您也馬上從善如流今天您的報告講了四個對不對那為了這樣的關係你們延長房屋稅的申報到今年的6月2號是嗎"},{"start":8921.758,"end":8938.39,"text":"所以你這段時間積極的收集各種的意見反應不是整個房屋稅延長到6月6日有問題的到6月6日有一些他們會重新開單的或有一些他要申報自住的部分是延長時間那您的報告當中提到的四個像樣態啦那這四種樣態如果他已經繳了稅了怎麼處理"},{"start":8942.416,"end":8967.615,"text":"如果已經繳了稅 如果要重新做調整更正的話 那當然要退稅啦退稅 那當然什麼時候會辦理 明擺的告訴民眾 很多民眾在問啊聽說這樣子可以優惠耶 可以回復自用優惠 那我怎麼辦 我已經繳了耶明擺的跟大家宣示可以嗎這個退稅當然是會由地方稅捐機關來做退稅所以你們會去協助地方機關公布這個退稅的簽完程序這個部分我們會請地方機關盡快的讓民眾知道"},{"start":8967.875,"end":8990.948,"text":"好 很好 那請來督促地方政府那如果6月2號都已經繳完了後來又發現了你們發現各地方政府你們去收集意見我上次要求你們收集嘛那有哪些樣態你們發現還是可以適用的那這些6月2號的民眾也是比照這樣的方式來辦理退稅囉我覺得應該是這樣好 那就麻煩你督導地方政府好 謝謝接下來我們來請教今晚的彭主委來"},{"start":8994.002,"end":9020.917,"text":"好 部長剛剛已經有委員在關心的這個題目就是所謂的ETF的IPO哇 看到很多投訴什麼營業員 禮專還有什麼責任回單的制度那現在對等關稅之後這個基金不太好賣結果大家還要自己想辦法找親友買這樣的亂象您覺得要怎麼樣去因應我想我剛剛也回答前位委員的意見我想第一個"},{"start":9022.478,"end":9037.02,"text":"金融機構本身它自己有它自己業績的管考的這樣那個制度但如果說它有不合理的情況或是不合時宜的做法那這個部分我們會先來了解很好所以不合理或不合時宜我們來看一下嘛"},{"start":9038.035,"end":9054.676,"text":"投信 現在金控底下都有投信 對不對那他們成立基金IPO他們底下有券商 券商有業務員 業務員去行銷但是呢 業務員人手比較少所以營業員也來幫忙好 不只如此喔現在在場的八家公府 航空 很多有金控的"},{"start":9055.217,"end":9065.412,"text":"他們這個時候因為投信的銷售需要找保管銀行所以銀行為了搶保管業務會努力的幫投信多賣有時候同一金庫底下的投信商品會請李專來代勞那如果請李專來跟客戶介紹這"},{"start":9069.079,"end":9091.388,"text":"也是無可厚非但是櫃檯人員的業務是什麼櫃檯人員是儲匯業務確認身份聯防機制零匯化事情很多啊您覺得櫃檯人員適合去分擔責任額嗎本來在銀行的櫃檯端就有明確的區分比如說你具有那個銷售金融商品資格的本來就不會由這個來做對就是禮專嘛所以是不是"},{"start":9092.068,"end":9116.858,"text":"你也認為櫃台人員的其他任務他不適合分配被要求去做責任額的分攤那當然各家公司應該都有明確的規定好那就麻煩你請你只要求銀行局要求不只是我們今天在場的八個公股行庫有這樣的情況的請銀行局要求避免讓我們既有的金融人員的分工因為業績的挂帥而造成了不應該的負擔好不好"},{"start":9117.858,"end":9140.071,"text":"金融商品的銷售本來有一套的行為規範我想銀行或各個金融機構都非常清楚這段時間請你們強化去做宣導跟要求接下來我們看一下最近發生一些車禍事故我們都知道本來的強車險它就有第三人責任險你覺得強車險到目前為止它的理賠金額它的保險方式足不足夠"},{"start":9141.223,"end":9169.784,"text":"我想這套制度其實是很久也發揮了它非常好的穩定社會的功能因為我們的強車險主要是保障被害人它不是保障加害人而設的所以它這個所有是有一套法律在明確規定它所有的給付跟條件的制度那我們從昨天的事故我們很不忍讓我們來看一下萬一的這個是萬一發生了假設今天家長開車去接小孩他就停在路邊"},{"start":9171.005,"end":9198.513,"text":"結果呢別人肇事啊撞到他結果小孩受傷了你知道強車險賠不賠如果是因為他是受害人車子所肇事我的理解應該是有肇事人的車險賠但是我自己是車主我是駕駛我有頭保但是目前如果無肇事責任我們強車險對於車主本身的乘客是沒有賠的這本來就是我剛才講他是保障是以受害人為主不是以加害人"},{"start":9199.233,"end":9226.96,"text":"那麼受害人是我的乘客但是我不是肇事責任有肇事責任當然要賠但是這個人在我的車上我是車主結果他受傷了因為我沒有肇事責任我是停在路邊嘛被撞了嘛那這種情況要有沒有評估去考慮說這種情況要以檢討因為呢很多的保護啊他不了解啊他說我有保強車險啊啊結果呢我停在路邊被人家撞了啊啊我沒事啊但是呢我的乘客受傷了啊結果人家"},{"start":9227.62,"end":9251.983,"text":"保險公司說 對不起 你這個呢 乘客不保您知道這個情況嗎這個喔 情況其實我當然了解 這只是真的有時候比較複雜剛剛委員剛剛有提到說 沒有投保的人我們其實強車險有個特別補償基金來填補這個倒還好 不會有這個問題我想這個再請您 保險局去了解一下目前強車險是保受害人"},{"start":9252.523,"end":9276.879,"text":"對不對 它是一個損害天母的概念但是呢 我們對於兩輛車子的事故無照事責任的車主他投保的車險 保險公司是不對車上的乘客賠的但是如果駕駛 我受傷了是賠我但是我的乘客是不賠的這個部分是不是回去一下再思考一下可不可以增加無過失補償責任為基礎的新型車的保險商品"},{"start":9277.639,"end":9299.868,"text":"這部分的話我們當然隨時要檢討該委員的意見我們會帶回去請保局在我們在強車險或其他任意險的部分來加強對這個被保險人跟相關受害人的保障是的主委您說得很清楚這不見得是在強制險其他的任意險的商品也可以也就是說我們在銷售長車險的時候要明確的告知車主"},{"start":9300.808,"end":9319.381,"text":"如果是他沒有他的肇事責任但是他受損了他是有賠的但是乘客目前是不涵蓋的他如果有需要或者我們有開發其他的商品或者未來納入但是目前要讓被保險人知道那如果他覺得有需要幫他的乘客保無肇事責任的其他的險種"},{"start":9320.362,"end":9346.747,"text":"那麼就要請保險公司來進行說明好不好是 我想加強說明這個商品承保的範圍讓所有人知道比如說很多人都以為比如說我買的車子也包含乘客其實並沒有 對所以這個事件呢很多的不幸事故都提醒我們可以去檢討跟精進好 那最後這一題呢其實剛剛有委員問到了我們也是問 收到了很多的反應譬如說那個金管會銀行局財發的標準"},{"start":9348.167,"end":9369.636,"text":"那有人提到說是糾正糾正糾正糾正好那請問一下請問一下我們看到目前為止從2025年開始到這些那麼目前我們金管會或銀行局對於銀行的違規事項你們有什麼原則分別處置譬如說是內機內控自行呈報還是外部稽查查獲得有什麼差別是"},{"start":9370.436,"end":9399.283,"text":"跟委員報告也許從他事件一樣挪用客戶存款這件事情那但是他整個的過程當比如財閥但是我們很有可能比如說本來我們就過去一直強力要求金融機構建立三道防線三道防線就是他自己有偵查管控修正的能力如果是這個三道防線能夠合一的舉行而且他也做完這個接下來這個防範我們會看他的這個情況來給予就是可能只是個糾正"},{"start":9400.323,"end":9418.042,"text":"但是如果說穿透這個東西而且它是根本就渾然不覺我剛才跟委員報告過這時候我們就是要重罰比如這個東西因為這個完全不一樣的東西所以我剛才講過不管是誰當主委規定這都是銀行局的標準一向都是如此好 謝謝 因為主席站出來把他念完"},{"start":9418.502,"end":9435.271,"text":"自行發現調查跟主動呈報的與外部稽查或經檢查獲的兩者的裁罰流程跟進程是有差別的對不對最後的結論四點剛剛已經講過怪異說明請提出請提出請央行提出你認為主權基金最適合的基金來源管理機構請提出你們的看法"},{"start":9435.751,"end":9460.708,"text":"第二請財政部就房屋稅的這個相關異議剛才打火的部分也提供一個書面那第三呢請經管會就所謂的強車險的部分在於未來投保的告知或者未來可不可以增加相關的險種給予這個無肇事責任的車主及他的乘客有完整的保障以及最後你們對於精簡裁罰的這些相關的規定做一個書面報告可以嗎沒問題好謝謝謝謝主席 謝謝委員"},{"start":9461.448,"end":9466.794,"text":"好 謝謝各位的質詢我們按剛才宣布的就休息四分鐘 好不好好 謝謝"},{"start":10117.307,"end":10118.447,"text":"主席 二位出列席官員大家好 請央行央行是嚴副總裁好 謝謝 嚴副總你好最近"},{"start":10143.442,"end":10165.043,"text":"台幣的漲勢稍微緩和一點那面對未來有沒有可能因為彭總裁你比較熟吧彭海南你比較久了上次提到彭總裁有人說沒有彭海南防線究竟彭海南防線是值幾塊錢"},{"start":10167.349,"end":10194.587,"text":"那個 抱歉我因為我從那個過去彭總裁 彭堅總裁或楊總裁我們都沒有對外宣稱說有所謂什麼反線可是大家認同的彭萬年反線就是28.5啊對於美元啊其實台幣的匯率也有升過超過28.5的情況是 就短暫一下不過在彭總裁任內感覺還蠻穩定的那對於本席在"},{"start":10195.922,"end":10198.886,"text":"之前所提的主權基金啊"},{"start":10199.813,"end":10228.65,"text":"其實有兩個人提案一個是吳欣穎前立委吳委員以及本席共同提案當初就希望提出主權基金的概念來配合國內的重要的企業發展可以起一個到處帶著資金可以去跟技術結合的投資對於主權基金那"},{"start":10230.333,"end":10259.011,"text":"你覺得這個基金的size大概要多大?規模要多大?其實這還是要看整個國家主權基金我們政府希望它要多大的規模其實我很難在這邊跟國威主權基金多少?大概一兆多規模算是非常大的幾個?新加坡、淡馬錫等等全部大概都是一兆多以上"},{"start":10261.007,"end":10285.15,"text":"是吧那個委員我這邊沒有資料所以我沒辦法跟您直接報那央行對於當初我們是希望說從外匯存底裡面來提撥大概10%就是現在外匯存底是多少5828億左右對大概是500多億也是大概相當1.5兆左右那央行的態度是怎麼樣"},{"start":10286.653,"end":10312.746,"text":"我們在5月8號的總裁在這邊的報告已經很明確的點出我們對於主權基金裁員有三種方式我們上次已經提過就是財政部發債財政部撥款或者財政部出資這樣子的方式那央行在這個過程裡面可能在某一塊可以做一些適度的協助那央行要不要投資"},{"start":10314.369,"end":10320.632,"text":"這就是看整個政府對於這個基金的管理的設置好那我們請財政部莊部長一起一統還有金管會彭主委一起這個三位一起那剛提到央行它不出錢財政部要準備出多少錢"},{"start":10337.308,"end":10344.977,"text":"第一個,這個主權基金的規模要多大?那第二個就是他財務來源要多少?一兆多以上啊一兆多這麼大的規模是嗎?對好,那你這個錢準備從哪裡來?發債還是?第一個,我們的"},{"start":10355.538,"end":10357.379,"text":"所以現在財政部有沒有錢可以來投資基金就是國庫的錢"},{"start":10380.073,"end":10388.561,"text":"國庫的錢在我們的預算書上都非常清楚稅入、稅出、稅計、剩餘以及債務都呈現得很清楚所以講起來就是沒有錢是不是來我幫你找一條錢請那個彭主委"},{"start":10391.121,"end":10415.109,"text":"同學本席在這裡曾提過保險法第146條之事的提出如果在前年可以通過然後就遵照我們立法院通過的決議來做的話你知道現在所有的保險公司投資在美國的公司債以及美國公債加起來的總資產大概有多少超過20兆"},{"start":10417.214,"end":10446.44,"text":"20兆20兆的部分投資美元資產的大概有多少大概應該是九成以上都是美元資產所以大概18兆應該有這個數字主委你想想看如果大概在一年多前本席所提案的通過的話20兆就回來10兆但是那是屬於回來10兆的話最近的話因為台幣的升值大概減損的漲上大概10%左右事實上"},{"start":10448.018,"end":10475.957,"text":"主委一個動作我就幫所有的保險公司多賺了一兆啊而且你回來台灣當初如果回來台灣有很多很多大家都知道未來的世界就是AI的世界這是很重要的一個產業吧主委認不認同我想應該全世界大部分人都認同這個好那我再請那個關務署我把他的數據讓你參考一下"},{"start":10480.48,"end":10500.113,"text":"去年大概物流進進出出外銷的部分AI的部分佔的比例大概有多少消美國的部分消美國的部分 鮑偉你這個數字我必須要再查一下你要查一下 因為這個不可以不知道那黃仁勛你認不認識"},{"start":10504.007,"end":10526.206,"text":"報紙看過希望你可以跟他多聊聊你要來協助他為什麼黃仁勳他找了一共大概一百多個產業要組成一個聽台灣一個團隊其中包括國泰金控包括玉山金控都入列為什麼"},{"start":10530.697,"end":10554.204,"text":"因為他這個產業周邊大概比較重要的大概有45家一個數據你去查一下就知道去年進出在自由貿易港區出去的部分總共金額是三兆多AI相關的產業NVIDIA的那一棟就在遠雄自貿港區的那一棟大概就接近兩兆"},{"start":10556.516,"end":10571.822,"text":"所以希望署長你要把那些數字查出來來告訴提供這些重要的財經長官他們來做判斷是好 謝謝那接著請彭主委"},{"start":10574.482,"end":10588.005,"text":"黃主席他們的數字都會給你所以未來的發展台灣如何在國際上發光發亮掌控未來事實上除了技術之外就是後面的晶圓"},{"start":10589.482,"end":10608.068,"text":"你要投資啊那主委你贊不贊成剛剛本席所提的海外的這些資金你可以回來就是當我們成立主權基金的時候看什麼樣的方式他們也可以投入當然這個屬性上有所差別因為這是屬於保險業的資產"},{"start":10609.488,"end":10635.787,"text":"他必須要轉換成某一個工具才有辦法做投入比如剛剛委員提到假設政府是以舉債的方式如果他的條件合一的話我們可以鼓勵我們的保險業來投資這樣的一個這個也符合他們長期投資的債券是 主委你有沒有算過所有的保險公司在海外的部分現在所持有的美國公債以及美國公司債加起來你講個多少"},{"start":10636.067,"end":10637.489,"text":"如果台幣繼續升值,升值到27塊的時候,對這些保險公司會產生什麼樣的影響?"},{"start":10655.236,"end":10677.871,"text":"我想任何一個匯率的波動對於我們有這麼巨大在海外資產如果說沒有做相對應的避險當然對財報賬戶上是會有蠻大的波動我也上次講過假設我想很多媒體也揭露過就是我們現在大概是假設以六兆是沒有避險的話那相當於兩千億"},{"start":10679.612,"end":10692.335,"text":"兩千億美元的話大概就是一塊錢大概就是一千五百億到兩千億左右的影響數我想漲跌大概就是這樣一個幅度所以本席擔心的是因為這樣的狀況不斷的出現讓國內就受險公司的RBC每下預礦"},{"start":10698.317,"end":10718.209,"text":"現在低於300的有幾間我剛剛也跟委員報告過因為我們RBC的計算是以6月30號跟12月31號假如12月31號的我們最近那一期的話其實大概有一家是不符合RBC的比例接下來6月30號必須要到7月或8月才能算得出來"},{"start":10719.261,"end":10741.271,"text":"要嚴密監控啊當然我們每天都在監控該增資的有沒有要求他們要增資增資保險法有一定的規定不是說一到了不足兩百就增資它有一套非常非常周延的增資我們不能每次出了事情或者是下一個情況不好的時候仰賴保險安定基金保險安定基金現在有多少錢"},{"start":10743.924,"end":10770.681,"text":"當然安定基金不能只看那個啦他現在的基金大概400多億400多億1000出問題你都沒辦法解決啊我想他不是只靠這個他有其他財源就像比如說我們在過去的經驗裡面呢大家都比如說可以我們依法可以舉借這部分過去大概都是這麼做的好 那主委我們看到現在房地產的這個放貸啊有很多很多的這個情況比預期還糟"},{"start":10773.767,"end":10776.114,"text":"請問現在的這類房地產有違約的"},{"start":10777.796,"end":10801.693,"text":"比例有沒有增加剛剛我在那個報告的時候呢我們現在的房貸的違約只有0.07%0.07%連0.1%都不到那這個建商的部分是0.16%這個都是史上很低的很低的這個程度我想這個餘放比率呢還在非常低的請問什麼數字最近是不斷的竄升的"},{"start":10803.668,"end":10822.157,"text":"我想有媒體揭露那個絕對數字的部分因為當然我們的量體越大當然數字就會增加但是那個比率還是維持一樣而且在一個非常低的水準特別是我們的自用的房貸的部分請多注意一下這樣的情況最後一個問題金融風暴會不會再度來襲"},{"start":10829.703,"end":10852.72,"text":"這個我想就一個金融監理機關每天都要有這樣的一個預備這是我們的日常好 謝謝那個央行謝謝美國的殖利率30年期的公債漲到5%啦美元的地位不保央行有沒有調節我們的外匯存底美金的比例"},{"start":10854.38,"end":10874.391,"text":"我想那個長期以來我們會隨時去注意到國際的金融情勢我們會做適度的適度一直都有做適度的調整最近有調整嗎老實說我沒有資料但是我知道我們固定都會有看那個國外的經濟金融情勢變動做適度的調整多小心啦謝謝謝謝羅委員的質詢下面請李坤城委員質詢請"},{"start":10894.488,"end":10897.696,"text":"謝謝主席先請我們財政部莊部長"},{"start":10901.035,"end":10922.182,"text":"我們今天央行是副總裁嗎副總裁請副總裁好副總裁好總統在520有一個重要的宣示要設立主權基金這是大概是有史以來除了院長之外總統是第一個講的要設立主權基金所以方向已經非常明確了我記得我們上禮拜專報大家還在討論說"},{"start":10925.004,"end":10936.696,"text":"這個要不要設怎麼設那專法怎麼弄然後這個裁員從哪裡來那我先請教一下部長那總統已經有這個宣示了那你們有沒有一個節奏那接下來要怎麼做"},{"start":10939.66,"end":10963.06,"text":"有關這個主權基金後續的一個相關做法行政院會邀請相關部會來做討論跟演繹規劃主要是國發會嗎?這個部分當然包含國發會、央行以及財主單位等等那財政部要做的咧?這個部分要等在行政院召開會議的時候會再一起討論那所以總統宣誓之前你們都不知道說這個總統會講說510會講一個主權基金出來"},{"start":10966.643,"end":10993.399,"text":"我想這個部分可能我想我沒有參與過這個但是我想應該府院也許會有討論吧也許是這樣子好那副總裁呢這個過去這個主權基金也講了蠻久的那就從這個報章媒體上面來看就是說過去比較認為說有主力都是來自於央行那我想請問一下副總裁的看法"},{"start":10994.144,"end":11022.732,"text":"我剛才已經講過我們在央行長期以來從彭淺總裁到楊總裁我們對於主權基金我們一向都主張這種我們正面去思考但是唯一我們希望透過專法或設立專責的管理機關以及外匯存底不能夠直接撥用這樣幾個原則去思考也支持設立主權基金但是不要用到外匯"},{"start":11024.823,"end":11042.643,"text":"壓衡的態度就是這樣設立專法我想大家都沒有問題那我再請教一下部長好了因為這個主權基金就是要彰顯台灣的主權才叫做主權基金它跟國發基金不一樣國發基金它的投資大概就是台灣的產業一些新興的產業"},{"start":11045.006,"end":11054.202,"text":"那你認為說這個主權基金呢既然他是要彰顯台灣的主權那所以他投資的標的未來這個成立之後投資標的是不是就以國外的產業為主"},{"start":11055.947,"end":11074.739,"text":"我想這個部分都還要再做詳細的規劃跟討論那請教部長的意見啊第一個我們要先看設置的一個目的然後第二個就是說然後要選擇什麼樣的一個產業以及未來的機制要怎麼樣去建立我覺得這應該要整體來做考量的那我是說"},{"start":11076.438,"end":11089.403,"text":"這個其實總統他的裡面也是講很清楚啦就是說這個是要投資這個國外產業那尤其我們有提到說這次關稅我們有提到說我們要籌組一個台灣投資美國隊委員長這兩個是不是有關聯性會在討論的時候也許可以做一個詳細規劃部長講得非常的保守"},{"start":11098.858,"end":11106.791,"text":"那您認為呢 如果是主權基金成立 那投資產業大概以什麼方向為主"},{"start":11109.095,"end":11130.474,"text":"這個部分我覺得這個我還是想就是說這個主權基金成立以後它的整個機制的一個操作模式跟未來投資的一個規劃方向都必須要有一個專責的一個投資機構來做處理而不是說我們自己在這邊個人或者是這樣來表達這樣的一個意見是好沒關係那部長先請為好了我請教副總裁"},{"start":11133.262,"end":11139.269,"text":"這個這幾天沒提美國銀行他有提到說預測啦台幣有可能到年底的時候會升到28.8元"},{"start":11141.567,"end":11151.979,"text":"然後呢 因為他們認為說這個美元大概會長就是到年底這段期間大概會走弱所以台幣有可能會轉強所以有可能會再升值他預測年底會到28.8然後高盛也預測就是說如果這個"},{"start":11161.951,"end":11171.973,"text":"亞洲各國跟美國進行貿易協商的話將使亞洲的貨幣更難貶值然後他預測這個海幣跟海元會升值我請教一下這個副總裁的看法"},{"start":11173.363,"end":11201.93,"text":"報告委員我們長期以來我們觀察到就是各個投資銀行他有他自己的預測那我覺得我們只是參考而已那因為影響到匯率或者是國際美元走勢的因素太多了我覺得用這種很直覺式的去推測就28點那我不要講那一個數字出來好了我們講一個趨勢好了那您認為說這個到年底之前台幣的走向是深"},{"start":11203.01,"end":11220.781,"text":"還是貶那個報告委員因為我們長期以來我們都認為匯率我們尊重市場那央行只有在出現匯率不穩定或者是有這種操作的時候我們才會進場去維持匯率的相對穩定那所以你認為說前兩週台幣突然升值這麼多快兩塊錢那你認為這樣正常嗎因為"},{"start":11227.711,"end":11249.764,"text":"我想那是一個操作策略也是透過這樣子的一種方式來降低大家對生殖的預期一種這過去我們也有採取類似的操作策略過因為楊總裁有提到說這個央行在這個新興之火開始的時候沒有去撲滅然後後來造成這個新火燎原之事"},{"start":11250.444,"end":11278.586,"text":"那接下來我想請問一下那央行對於說如果這個美元有可能會傾向弱勢的貨幣台幣有可能相對轉強那央行相對的做法是怎麼樣我想美元弱勢或強勢它自己國內也有不同的看法所以我們在這種美元波動的時候不管它是弱勢強勢會影響到台幣匯率的時候我們的一個前提就是維持匯率的相對穩定"},{"start":11280.029,"end":11294.433,"text":"那目前呢?目前台幣的匯率有穩定嗎?目前我們認為早四月底五月初已經相對的穩定很多了好,謝謝副總裁那我再請教一下中部長好了來,部長請教一下那個房屋稅2.0新制是今年開始那個徵收嘛,是不是?"},{"start":11309.143,"end":11336.519,"text":"從去年7月1號開始實施今年是首度開徵2.0來做標準來課徵的那我們房屋稅的這個繳稅期限是到哪時候正常來說是到5月底那今年因為是第一次的開徵第一次開徵有發生一些狀況然後這個部分如果要更正稅單等等的話都可以延後就是說由稅均積增機關重新開單然後期限繳款期限往後延"},{"start":11337.199,"end":11352.385,"text":"那你們電奈是不是設在6月2號嗎6月2號是說本來你要在3月24號以前來申報自住的話你沒有在這個時間來申報就是說你要簽了戶籍然後申報自住你沒有在時間但是因為第一年實施這樣情況所以我們認為說把它延後到6月2號之前你來"},{"start":11356.467,"end":11376.795,"text":"辦理這樣的一個事情就可以用自住的稅率來課徵那6月2號沒有延啊那本來就是你們5月底就是要申報啦房屋稅本來就是要申報到5月底那只是因為遇到假日變成6月2號而已啦那個一個是繳納期限一個就是說你是自住的話你來就是說你簽了戶籍簽進去了然後你來告訴我們說我已經簽完戶籍了我要用自住的稅率來課徵我們本來是訂在3月24號"},{"start":11380.376,"end":11404.435,"text":"但是因為是今年第一年實施那些那我是說繳納期限繳納期限的話繳納期限正常是到五月底嘛對啊因為有假日就到六月二號啦對不對對對對因為有到假日就延到六月二號我的意思是說我們這個所得稅本來是到五月三十一號也是到六月二號啦然後因為這個關稅的問題我們延長到六月三十號嘛"},{"start":11405.407,"end":11417.498,"text":"對不對那我的意思是說那如果這樣子因為房屋稅2.0是新制啊那又這個新制的過程當中又遇到一些比如說雙北也出現這個問題有沒有這個機會也把這個房屋稅減到期限延到6月30號"},{"start":11418.956,"end":11442.14,"text":"委員報告所得稅跟訪問稅不一樣所得稅是我們來做申報不管盈利事業或者綜合所得稅的中所個人都是自己來申報所以當時因為關稅政策的關係為了避免相關的盈利事業他在這個短短一方面他要應應這個關稅的措施而去調整他相關的訂單等等造成在這個五月份有一點措手不及所以把"},{"start":11442.8,"end":11454.968,"text":"申報的期限延到六月底但是房屋稅這個部分是屬於抵測稅是由地方政府來開單來做課徵那如果你沒有問題的話你就去繳那如果發生稅單上有問題如果發生問題的話只要有任何反應的話重新開稅單那他的繳款期限就自然是往後延的那所以就沒有說一定是那個最後定來是六月二號的問題就對了"},{"start":11466.736,"end":11489.597,"text":"對但是6月2號這個繳款期限沒有問題的都還是沒有問題有問題的人他會自然延後嗎他就會往後延對對對這個部分我們也趕快會發函給地方政府請他務必要這樣做那其實依照現行規定就可以但我們請他們趕快這樣做也讓那個納稅一五人可以安心那所以說這樣子的話大概會延到多久勒延到多久就看他重新開單的一個時間"},{"start":11491.618,"end":11497.48,"text":"所以就不是說以新開單的日期為主就對了新開單期限會拉多久呢就是開單之後的一個月內"},{"start":11507.203,"end":11522.549,"text":"那我再請教一下這個工業出租人那其實政府也蠻鼓勵的啦那工業出租人他有一些匯率上的優稅房屋稅、地價稅還有這個綜合所的稅其實都有優惠那我請教一下"},{"start":11523.429,"end":11544.96,"text":"現在人人有一些因素造成公寓出租人要把房子變成有租金的人來租變成公寓出租人還是有兩點會有一些疑慮第一個土地增值稅的優惠沒有了第二個房地合一稅的免稅也沒有了我在想說為了要鼓勵公寓出租人的話"},{"start":11545.74,"end":11571.862,"text":"那產生部有沒有在這個土地增值稅的優惠跟房地合一稅的優惠有沒有比較這個更進一步的一個改善的一個做法這個部分第一個我們在地價稅跟房屋稅還有中手稅的部分對公益出租人有一些租稅的優惠最主要就是在持有稅的時候你在持有期間我們希望你把房子租出去然後同時讓成租人可以去申請租金補貼讓自己成為公益出租人"},{"start":11572.242,"end":11600.381,"text":"但是土地增值稅或房地合一稅最主要是在房地在買賣交易的時候你有所得的部分比如說以土地增值稅就有一個概念就是所謂漲價歸公嘛漲價歸公那這個部分那比如說你房地合一就是我們把它算起來以前房屋沒有所謂的要課交易要課所得稅所以把它計算這是交易的時候你有所得那才要課稅我想這兩個意義上基本上是不太一樣的這個會造成說有一些齁它"},{"start":11601.503,"end":11604.373,"text":"他有租人他可能也是工業出租人"},{"start":11605.157,"end":11630.847,"text":"但是他就怕說他未來沒有這一個土地增值稅或是說這一個房地合一稅的優惠他變成就是說他會跟他的房客講就是說雖然你是公益的出租人的房客但是為了我後來我如果要房子要買賣的時候我沒辦法享受到這些優惠然後就變成說他沒有去變成這個公益出租人去做申報"},{"start":11633.433,"end":11653.285,"text":"就是說他或許在這個工業這個出租人這一塊的優惠比如說房屋嗎地價或是說眾所隨他可能沒有拿到但是他萬一如果說房子有買賣的話他一比較下來發現說那我如果沒有去報這個工業出租人其實他可能這一個在這個稅率上面他其實會更優惠啊會造成這種情況啊那個"},{"start":11656.109,"end":11681.471,"text":"你的意思就是他可能就覺得說如果我現在房子出租了我將來在賣的時候我的稅就不會土增稅還有房地利稅會課得比較重所以你不要去報出租這個基本上我們認為就是說所謂的租屋黑市本來就是因為我們要查緝的你有出租你就該繳稅就要繳稅好那對於出租對於公益出租人來說他我們在他的持有期間已經給你稅負的一個優惠了這兩者我覺得應該當然就是說他持有的"},{"start":11683.453,"end":11696.527,"text":"他持有的這個房屋地價跟這個眾所稅有優惠了那我的意思是說如果在鼓勵這個公益出租人這個情況之下你們有考慮就是說這個土地增值稅跟房地合一稅這方面的這個稅率在給予優惠嗎"},{"start":11698.942,"end":11720.319,"text":"這個部分我想這個部分可能要審慎的研議因為兩者稅的一個目的是不太一樣要審慎研議也就是說因為房地合一稅事實上是有價差你有價差的才會有課徵反正這個會後我再請教你們好了是謝謝謝謝主席謝謝李坤臣委員這個題很好研議一下接著我們請嚴坤臣委員"},{"start":11732.6,"end":11736.427,"text":"謝謝主席各位列席官員大家好主席有請財政部莊部長請莊部長我們11點50開放用餐"},{"start":11744.008,"end":11766.641,"text":"委員好部長早上個禮拜諮詢你的時候有提到薪稅至上路一定要做好萬全的準備避免造成民眾的困擾但是房屋稅2.0薪至上路大出包許多民眾陸續接到金額暴增內容錯誤的稅單引發大規模的反彈以台北市為例"},{"start":11768.222,"end":11783.371,"text":"稅監處發出107萬件稅單當中就有5萬件這個物列非自助稅率導致稅額一增新北市也出現大量類似的情況那受影響件數也達到萬件以上"},{"start":11784.552,"end":11809.472,"text":"甚至有民眾表示說原來的稅額六千元卻暴增到兩萬這個增幅超過三倍雖然你們事後有開放補辦資助申報延長申報期限到六月二號但是我們強調說這不是技術性的錯誤是因為制度設計本身就有問題還有這些在系統推行前請問部長有沒有"},{"start":11811.083,"end":11838.42,"text":"確實的要求地方稅務機關完成整合還有模擬測試有嗎跟委員報告一定有的在這個新制實施新法修正以後我們多次的邀請地方政府來開會然後相關的系統設計也都是多次的測試跟驗證這是沒有問題那至於剛剛委員提到台北市的部分台北市這五萬多件主要就是說它有自住的房屋但是它也有停車位但是它把停車位呢"},{"start":11838.9,"end":11862.085,"text":"用非自住的稅率百分之二來課這是不合理的而主要的問題我們也去了解是因為內部的承辦同仁就台北市捐贈處的承辦同仁在家住上家住錯誤那台北市發現以後他也立即的去做更正而且通知所有的各個大學議員而且已經重新都開單了繳款期限也都往後延這台北市政府他自己本單獨的一個問題發生了那五萬多件"},{"start":11864.705,"end":11869.933,"text":"至於新北市的部分它是對於有單獨一個權狀的車位它不把它"},{"start":11871.248,"end":11894.096,"text":"隨同他的組件物用途來做使用那這個部分呢我們會發函給發函通函告訴他們就是應該要隨公共設施應該要隨同組件物雖然他有單獨的權狀都應該隨同組件物的用途來稅率來課徵那這個部分我們也都會再處理那事實上這是涉及到新北市政府他本身自己在認定的部分因為新北市政府在過去我們修這個2.0之前他們"},{"start":11897.317,"end":11923.923,"text":"才很晚才通過他們的房屋稅差別稅率所以他在實務執行上並沒有實務執行上碰到過這樣的一個情況所以這一次在他們那邊因為沒有曾經的一個經驗而發生在認定上的一個起義照你這麼講的話就是說這五萬多件再加上新北市的上萬件這些部分就好像都是個案都是因為地方政府的之前已經經過了很多的整合跟測試那還是會發生這麼多的問題啊"},{"start":11926.677,"end":11936.992,"text":"這個件數您說五萬多元、三萬多元它的問題是同樣發生的同樣的一個類型的問題我們對於這個發生的一個情況都有去了解它的一個太陽然後看看要怎麼樣方式來做解決"},{"start":11941.258,"end":11961.348,"text":"先要請教說後續這個是行政作業的疏失還是因為配套的問題造成這些民意跟錯誤雖然有補救跟延長申報未來財政部有什麼更具體的作為能夠讓有這樣子可以大家一個一致性這個繳的稅是國家的稅民眾繳的稅是國家的稅"},{"start":11963.889,"end":11984.593,"text":"這個是不允許發生的錯誤啊是不是謝謝委員的一個提示對於當然第一年發生這樣第一年的開增有些這些個別的狀況我們都會持續的收集然後及時的解決同時呢也會把它彙整起來未來會把它做一個很好的一個指引讓未來不要再發生相同的一個狀況謝謝委員的提醒謝謝部長請問主席有請金管會彭主委"},{"start":11996.943,"end":12013.549,"text":"委員好 主委好114年度金管會預算案在第二幕金融監理編列預算2367萬8千元那但是這個主要是用於這個金融機構風險控管推動防詐政策但是我們"},{"start":12015.267,"end":12033.906,"text":"我們國內的這個詐騙案件還是層出不窮這個手法不斷的更新成效並沒有呈現出相對應的改善所以台北市這個打詐羽毛板的數據來說光是上個月單月的財損金額就高達13億"},{"start":12037.201,"end":12044.955,"text":"2100萬左右 而且這只是台北市的統計數據如果推估到全國各縣市的總額不知道是幾倍以上"},{"start":12048.294,"end":12068.653,"text":"雖然金管會在系統建置跟KIC落實方面有投入資源但是人頭帳戶總數這些部分還是持續在增加到113年底全國銀行及信和社的警示帳戶就高達14.93萬戶那尤其單年新增 單一個年度新增超過3萬戶"},{"start":12070.094,"end":12087.086,"text":"那顯示出這個KYC作業可能存在的重大缺口我想請教主委那是否已經針對不同銀行的KYC執行品質可量化的一個評鑑訂定標準如何強化管理可不可以告訴我們一下好 謝謝委員"},{"start":12089.364,"end":12115.261,"text":"那個委員過去對這議題都一向非常非常的關心那確實在我們去年去年打炸應該是損失金額最高是11月的126億那到了今年2月大概到60億到3月70那最近有調高到4月大概76億在微幅的上漲確實還有待努力我想說從最高峰我想那個經過各部會的努力確實有一些"},{"start":12116.021,"end":12144.344,"text":"那個減少啦但是我們還要持續的努力但是就剛委員提到我們對那個警示帳戶的管制這是我們現在管理的重中之重我想我們現在啊自從我們3月開始要求他們現在所有金融機構就應該設立打詐主管讓我們有監控兩個指標這兩個指標我們按月監控然後這部分呢其實上我們在這部分也給銀行非常大的壓力這部分我們會來持續來做那個主委"},{"start":12145.58,"end":12160.149,"text":"警示帳戶這部分其實不是啦因為關鍵還是在源頭嘛對不對在開立帳戶的時候如果去落實辨識跟這些封控的程序啊那所以這個營運局在113年3月21號修正這個部分其實"},{"start":12167.557,"end":12191.384,"text":"我們不能讓金管會的這個打詐政策只是原有一個形式嗎當然不會 我們其實也一直在用不同的方法來做這件事如何嘛 如何能夠制止嘛 對不對你現在人頭戶那麼多我們現在用內外夾擊的方式第一個我們在外部跟各個單位來合作怎麼樣去辨識出警示帳戶的高風險群透過通報還有彼此的警示然後達到這樣二組當然剛才"},{"start":12192.984,"end":12214.202,"text":"那個委員提到就是我們做KYC落實KYC我想剛剛也有委員提到比如說我們對一些數位帳戶的開戶因為現在不法集團他很容易以冒名的方式來進行這個帳戶作為申請帳戶然後沒有經過這樣子的一個科技辨認那所以這樣子的話就變成"},{"start":12215.183,"end":12243.003,"text":"他在控管了這樣子的一個不當金流的一個帳戶的一個進出所以如何從這一端來把他制止掉這部分對 當然我們這部分因為其實詐團也是推陳出新我們的方法也要與時俱進但是就是要強力的控管啊好不好主委好 謝謝主委謝謝金管委員會不是 講錯了不好意思"},{"start":12245.37,"end":12246.671,"text":"銀行局同局長委員好局長這個"},{"start":12253.12,"end":12281.533,"text":"我們在113.3月21號修正高齡客戶自立規範第14條要求金管機構金融機構在向高齡者推銷這些金融商品的時候要錄音錄影存這個流存這個銷售過程以利未來做一個查證爭議的部分但是到今天為止還是自立規範對不對是自立規範嗎是沒有明確的強制性執行立法沒有嗎"},{"start":12282.133,"end":12306.69,"text":"但是跟委員報告,自律規範事實上等同於法律的一個部分所以我們也會列為相關包括內積內控的一個要求範圍之列對啊,你們怎樣管控?我們是以日常監理、實地查訪、金融檢查這樣的方式加強控管,是不是?報告委員是的,我們會從日常監理的要求那金融檢查的部分呢,這個部分也會列為我們加強金錢的一個重點"},{"start":12307.529,"end":12326.72,"text":"因為高齡者對高齡者銷售的金融產品種類繁多那尤其因為資訊接落的不對稱還有這些風險皆是不足那銷售過程當中是不是有一些誘導性的話術甚至於這些高齡者完全不知道"},{"start":12327.674,"end":12350.662,"text":"他為什麼要投保他所投為何所以這是正義的案例所以錄影錄音這個確實能夠有效的保障高齡者的權益那金管會是不是會針對錄影錄音進行事後如果有正義的時候對於這些錄影錄音進行語音分析或者是抽樣審核來落實來做這樣子的避免說表面落實但是實時侵犯的這種狀況"},{"start":12353.024,"end":12366.801,"text":"檢察局在實地精檢的時候呢針對這個錄音帶的部分都會進行相關的調閱跟聽閱然後從這個當中如果發現有不符合治理規範的規定的話都會提列精檢意見我們銀行局都會依法來處理"},{"start":12367.987,"end":12390.72,"text":"對啦 就是說要這些告認者是最不對稱的告認者被這個資訊最不對稱的一個族群所以說他們需要的是強制性可追溯 可問責的一個強制的保障制度好不好所以這個部分我們會持續來督促銀行要落實好 謝謝謝謝榮坤騰委員接著我們請黃珊珊委員"},{"start":12404.366,"end":12406.39,"text":"財政部長、央行副總裁"},{"start":12418.154,"end":12440.254,"text":"我也好部長好副總裁好我想昨天很重要的是520賴清德總統在就職的週年演說宣示台灣要成立所謂的主權基金打造國家級的投資平台在這邊我就不禁要說了部長還有副總裁台灣民眾黨的版本在去年3月就已經送到立法院"},{"start":12441.275,"end":12461.508,"text":"但是我們在這中間過程中包括立法院的專案報告跟央行給我們的回覆以及財政部的說明都說目前沒有必要突然間又突然有必要了是嗎所以部長我想問一下財政部有沒有接到行政院指示準備參與主權基金還有它成立的時程"},{"start":12463.468,"end":12489.918,"text":"這個部分呢 行政院後續應該會再召開所以你沒有參與前面的討論要同相關部會一起來做開會討論副總裁 我們的版本是在央行底下成立啦我知道總裁一直很不希望在央行來主管他說給錢沒問題啦 要你們管也有問題請問 原副總裁 央行有沒有參與總統有關主學基金成立的相關討論還有目前你們的時程是什麼"},{"start":12491.241,"end":12518.581,"text":"報告委員因為長期以來我們都會把我們對這一塊議題的報告送成你們的立場一直就是外匯存體可以借你們用但是我要收利息啦是吧我們的原則是不能夠無償使用不能無償使用就是你們可以拿出來第二個你們不願意當主管機關對吧對部長那中央有跟你討論過由財政部來扛下主責機關政策的大旗嗎"},{"start":12520.351,"end":12545.797,"text":"目前并没有做这样的讨论在主权基金全世界都是大部分至少我们知道最熟悉的新加坡是财政部主导接下去台湾会怎么样可能也是上一次央行有提出专案报告给财委会的书面报告有三种形式第一个反正财政部发债第二个部分是财政部拨款"},{"start":12548.291,"end":12563.86,"text":"像新加坡是財政部出資成為淡馬行的股東淡馬行投資再去取得國營企業的股權第三個是財政部出資設立那大部分的錢是來自於公部門所以這三個方法都是財政部財政部有沒有意見啊"},{"start":12566.209,"end":12592.207,"text":"跟委員報告各國的財政部的執掌內容並不相同這是一個那第二個對於有關財源來自於哪裡這是央行在報告裡面所以央行的報告也沒跟你討論只是講說財源來自哪裡好所以重點是我覺得主權基金是件好事這是上一屆吳欣穎委員代表台灣民眾黨在立法院不斷的"},{"start":12594.912,"end":12618.131,"text":"倡議而且正式的修法最重要的是我們在總統大選的時候也成為台灣民眾黨的政見那去年3月我們就已經提案在央行在財政部我們都希望能夠進行討論但是很遺憾行政院一直沒有理會直到昨天看到總統突然間冒出來今天再問到兩位好像你們也沒參與所以整個過程我認為啦"},{"start":12619.571,"end":12642.627,"text":"可能又變成是一個突發奇想或者是就像國軍軍人突然間要說恢復軍事審判到今天還是沒有任何下文我不希望它又是一個突然間曇花一現的構想我希望兩位對於台灣的主權基金應該現在就應該有進一步的想法甚至要積極的參與"},{"start":12644.628,"end":12672.507,"text":"對於立法院還有總統都已經這樣說的重要政策我們不應該像兩位現在的狀況什麼都不知道可以嗎你們可以告訴我在一個月之內可以給我一個初步的時程表嗎或者是簡單的說美國川普總統二月份簽署了一個行政命令說要成立美國主權基金三個月五月的時候白宮發言人已經表示財政部跟商務部已經擬定了設立計畫"},{"start":12675.549,"end":12694.947,"text":"只花三個月然後新加坡當時成立主權基金花了八個月我現在不知道我們的總統520宣布之後你們要花幾個月所以部長在我下一次在這邊質詢的時候可能我就會問你相關的時程啦你現在都不知道嘛還不知道"},{"start":12696.448,"end":12719.87,"text":"跟委員說明了這個部分行政院會要跟國發會央行以及各財主單位一起來做研議規劃好 副總裁剛剛講的卓文泰院長在日前接受專訪的時候也說了他說到底誰來出資啊有心有所屬對方不一定滿意會再慢慢協調所以這個對方是不是指央行"},{"start":12722.509,"end":12734.074,"text":"報告委員 我不知道他的行義是怎樣他心有所屬 劣跡啦但是你好像不滿意啦 所以他要再跟你慢慢協調啦所以院長有來跟你們商量了嗎 還沒"},{"start":12735.928,"end":12751.785,"text":"報告委員我剛才講過我們長期以來我們對這個議題我們都有提供我們的長端去參考好 接下去的問題其實今天財政部在這邊我要強調的是不管主權基金它的目的是什麼都要益處重要的財源對吧"},{"start":12754.159,"end":12782.139,"text":"這個方向應該沒有錯吧當然財源來自於哪裡是可以討論的所以像在新加坡的主權基金它的收入2025年新加坡的財政總收入是1499億新幣但是就有271億來自國家儲備的投資回報也就是相關的主權基金也就是政府的稅收來源裡面每五塊錢就有一塊錢是來自於主權基金這其實是一個穩健的財源"},{"start":12783.2,"end":12802.773,"text":"第二個 他的對GDP的貢獻也非常的高加上新加坡政府在他們國內有足夠的財源至少在剛剛講的居住正義上面有相當多的資源可以做公共住宅 社會住宅最重要的是94%他都可以"},{"start":12803.653,"end":12827.783,"text":"建設所謂的社會住宅出租給民眾讓民眾不會有房屋的問題所以我們希望的是財源進來之後要怎麼用這才是重點增加了錢很好但錢像現在國發基金也有其他也有台商公司也有但它沒有辦法完整的挹注到政府的財源的話其實都是白搭"},{"start":12828.763,"end":12855.559,"text":"主權基金不應該是那個樣子國發基金是要去扶植我們國內的企業但主權基金是要幫政府增加財源所以這個部分包括央行當時我有回報是說央行不需要啊央行外匯存體都有委託操作啊所以央行的獲益很穩定但是央行的獲益副總裁你們每年大概的利息收到多少你們委外操作賺到的錢有多少"},{"start":12859.932,"end":12880.872,"text":"每年投資報酬率高不高介於2.2到3之間所以您滿意嗎您覺得滿意嗎因為那個國外操作收益率3.53最高自行經營的收益率大概最高2.66這在跟主權基金比起來你覺得你們這樣子的操作"},{"start":12882.349,"end":12902.269,"text":"那個報委這兩個性質是不一樣的所以主權基金操作應該要更好是但是就是不是央行來做我覺得這個國家就是希望這個政策下來各單位應該是有志一同大家一起努力如果這個方向還是你做你的我做我的就不會做好了"},{"start":12902.529,"end":12931.915,"text":"那個報告委員我們一直主張有一個專責機構來負責這個操作是所以就是大家要去找出一個共同性嘛不應該還是這樣你推我我推你最後就是在去年我們超徵的時候其實我在這裡也有跟部長說過超徵之後的錢要怎麼用大家都有想法我們主張有兩個第一個該還債有閒第二個其實每年超徵三四千億真的可以成立土權基金啊"},{"start":12932.952,"end":12948.959,"text":"成立主權基金再去賺更多的錢而不是平白無故的不管是用到哪裡去把它花光光今年大家在審特別條例感覺就是要把稅基剩餘還有去年的超徵金額全部用完我覺得不是好事"},{"start":12949.739,"end":12972.244,"text":"主權基金是將來超徵的財源之一而且它應該長期穩定每一年政府施政經濟的成果應該是全民共享而不是單純的發錢或者是去做其他的東西而是應該拿來在益助政府可以賺更多的錢來做更多的建設 對吧"},{"start":12973.812,"end":12995.062,"text":"所以兩位今天我希望昨天聽完很興奮今天看到你們兩位的回答我又很沮喪所以我希望主權基金應該有個具體的時程我希望一個月之內有一個大概有的方向否則我們在這邊又是恐歡喜一場部長你可以做到一個月之內告訴我你們規劃或者是跟央行之間協調的過程嗎"},{"start":12997.472,"end":13023.426,"text":"委員這個部分行政院會要從相關部會來會商是但是兩位如果我們在財政委員會坐在站在這裡還得到這樣的答案我覺得是蠻一笑大方的為什麼因為總統昨天講話今天兩位最重要的官員完全不知道立法委員也問不到東西這不是一個民主國家該有的方式啦"},{"start":13024.617,"end":13046.203,"text":"變成總統也是黑箱然後到立法院來沒有人可以回答我們的問題這不是一個好懂得溝通的政府或者是你們行政事務官有積極參與決策的政府這樣的狀況會讓人民沒有信心好嗎我希望一個月之內我會再問兩位最後就是"},{"start":13048.203,"end":13071.073,"text":"我們還是希望啦 主權基金有三個原則第一個 一定要有專業的經營團隊第二個 要有明確的投資策略 還有風險控管第三個 要有明確的法源依據 還有公開透明就是我們希望兩位在將來行政院討論有關主權基金的時候這幾個原則一定要納入所有相關的內容 可以嗎您的意見會納入好 謝謝"},{"start":13075.543,"end":13080.085,"text":"好 謝謝黃委員的質詢 下一位請陳玉珍委員質詢請謝謝主席 也請財政部莊部長還有負稅署財政部莊部長 負稅署署長"},{"start":13095.571,"end":13122.371,"text":"部長 這個房屋稅2.0改革的重點是目的是要加重持有多戶且為做有效利用的房屋稅負擔合理化這個房屋稅的稅負那現在執行的手段來講是用自住有商戶要無出租沒有出租或供營業使用然後所有人或所有人或使用權本人配偶或直系親屬實際居住"},{"start":13124.418,"end":13138.342,"text":"使用且這個下面這點 於該屋半郡戶籍登記本能配合未成年子女全國合計三戶以內這個自住的這個稅率是這樣子要1.2%的話那這個是問題我上次就已經在這邊諮詢過了但是我們還是還沒有得到答案因為這個"},{"start":13143.803,"end":13161.963,"text":"要辦戶籍登記這一件事情對我們金門地區的民眾影響很大那金門地區很多民眾戶口是在金門但是事實上是工作工作跟居住事實上是住在台灣比如台北、高雄各地啦 台灣各地那住在金門的話"},{"start":13162.944,"end":13177.735,"text":"是自由的房子除了台灣的也是自由的房子實際上也有居住那如果按照你們的規定一定要辦戶籍登記就是他的戶口必須從金門遷到台灣金門現在戶口大概有14萬人嘛但實際居住大概只有5、6萬人所以有"},{"start":13179.577,"end":13196.438,"text":"幾乎一半的人戶口都是在台灣那這樣的話因為如果他們把戶口遷過來台灣會造成他們很大的權力的影響比如說最基本的要回家的時候 機票就差很多錢我們機票大概有六折左右就來回一趟"},{"start":13197.199,"end":13223.322,"text":"返鄉的時候就是五千塊跟兩千塊的兩千多塊的差異還有當然我們金門地區還有一些自己金門地區因為涉及產生一些金酒相關的一些福利配酒交互配酒或各式各樣金門地區金門縣政府自己所做的福利還有很多其他的那這樣他們明明就是自助實務上真的是自助那但是卻沒有辦法享受到這個自助的稅率"},{"start":13223.982,"end":13249.687,"text":"因為你們要求一定要簽戶口那在金門幾乎基本上是所有的金門人都遇到因為家家戶戶都有人住在台灣都有通常住在家裡的都是父母 長輩然後我們這個年紀或者50歲40 30 20 30多歲都住在台灣住在金門就是老跟幼嘛中間這個階層他們都住在台灣好 那這樣或者夫妻有時候"},{"start":13251.187,"end":13279.63,"text":"就是戶籍嘛所以這個問題在金門影響很大那這個有沒有什麼方法就是說我們提一個建議啦資助商戶內是不是用我們修法用竊竊還是什麼方式那如果竊竊我也支持有罰則如果確實沒有住在那裡那當然也可以跟他重罰甚至用偽造什麼各方面的重罰我們也都會支持因為的確實行上好多人就住在台灣但是他的戶口是在金門那台灣的房子的確是資助的"},{"start":13280.49,"end":13304.155,"text":"這個怎麼處理呢房屋稅自住用戶籍登記其實是回歸到跟地價稅一致的地價稅你要用自用的稅率的話也是要做戶籍登記的要做完成戶籍登記所以並不是房屋稅開這個首例那第二個部分你常時居住在這個地方你的戶籍就在這邊這個我覺得這是一個法規上一個一定的一個這樣的一個處理"},{"start":13304.955,"end":13316.982,"text":"但是個別因為各縣市因為有相關的不同的福利的一些措施而造成戶籍上它實際上涉及在那邊人又不住在那邊我覺得這個部分可能他自己就要去做一個看怎麼樣一個權衡因為地價稅也是用戶籍來"},{"start":13320.824,"end":13339.633,"text":"為什麼地價稅從來沒有人反映那但房屋稅就是自從你們這樣實施以後房屋稅反映基本上如果說是小眾的問題就一戶兩戶當然一個兩個我們當然覺得這個法律這樣不適合那因為這在金門是全金門人的問題每一家每一戶都有每一家每一戶都有這個情形而且大家都因為"},{"start":13340.473,"end":13361.309,"text":"即便你是在台灣工作 你也常常要回家看父母可能一個月要回去一趟 這個很正常啦就是離家工作 但是在台灣也是有買房子住在台灣島嘛但是你還是要回家 那如果戶口遷到了台灣過來 進到台北來那它就會喪失很多 比如說光飛機票一年就要增加很多費用那這個我們不像坐火車啊 也可以坐什麼開車啊 Bus啊 這種"},{"start":13363.991,"end":13390.683,"text":"就是這個是離島地區就說遇到這樣的情形是很不得已的那如果法律是修一個法這個法律是讓全部的百姓每一戶都有這樣的情形因為我們知道澄清案實在是太多家戶都有雖然我們家也有但我不是說我們自己比較不重要家家戶戶都有啊沒有一戶沒有的那這個事情如果沒有辦法解決事實上會造成很大的民怨啊所以我想問有沒有什麼變通的方式但我們也是支持說如果沒有實際居住你是可以重罰他"},{"start":13391.623,"end":13418.116,"text":"如果用切結的方式來修改的話這可不可行啊可不可以朝這個方向去努力看看署長你看有沒有什麼好方法報告委員因為我們現在房屋稅是屬於地方稅那像委員剛剛講的這種例子是說他是住在台灣那照理說如果照戶籍法的規定他是應該把戶籍就是要設在台灣譬如說在台南好了"},{"start":13418.576,"end":13438.878,"text":"那台南那部分的戶籍所在地當然台南市政府就願意給他自住的優惠稅率因為他究竟是地方稅可是現在變成是說又希望兼顧民眾的權利不用涉及其他欠給的自住他就願意給他優惠稅率他們用房屋稅的目的是希望民眾不要炒房吧"},{"start":13439.618,"end":13459.849,"text":"金門人因為住在離島不得已啊也只好這邊住那邊住啊那也是要來回啊常常就要來回像我也要常常來回那我戶口當然是在金門但是很多戶口是在台灣在金門我們在講在訂定這個制度的時候那時候為什麼好沒關係你說這地方我知道這地方所以那如果我們地方政府的話如果"},{"start":13460.749,"end":13474.903,"text":"我們就用切結代替這個登記或是說我們整個多一個法源讓我們地方政府可以自己決定因為稅是地方在收的嘛我們金門地方有沒有辦法如果金門地方政府訂的這個比如說自治條例啊這一類的有沒有辦法讓我們金門可以解決這樣問題"},{"start":13476.737,"end":13484.421,"text":"這個部分是因為中央法規定而且現在是全國歸戶在計算戶數的所以它這個不是一致而且也跟委員報告這個地價稅就已經是這樣你不能說地價稅自住可能地價稅從長久以來都這樣徵收從地價稅叫做自住但是房屋稅的反應太多"},{"start":13497.128,"end":13515.989,"text":"因為房屋一定是坐落在土地上好沒關係你們想一下還有沒有什麼方法因為我剛剛說的是提供一個思考說切結啊是不是那我說如果它是不實切真的沒出來你可以重罰我也可以接受用刑罰我也可以接受這個你們思考看看想看看第二個要請那個公務署公務署"},{"start":13521.488,"end":13530.291,"text":"去年我本期有諮詢就是我剛剛提到地區進口商品免徵關稅的部分民國89年是164項 99年是320項後來統計110年到112年的時候試用的只有一項110年一項 110年八項 110年15項佔這個比例0.3% 0.3% 2.5% 跟4.6%"},{"start":13545.697,"end":13551.084,"text":"我們再看實際上進口的報單數據來講以金門地區來講免稅進口的項目大概就是最多的當然是一些入居用軟食碎食等等"},{"start":13561.87,"end":13583.442,"text":"都是是這個但是完稅進口最多的也是這樣都一樣都一樣那看來所以呢你們給我這是我上次就問過你你又給我們報告你說基本營業人大部分基本地區人當然都以完稅進口在銷售到需求市場較少採用免稅進口於當地銷售嘛大家有免稅的優惠"},{"start":13586.415,"end":13605.893,"text":"卻不去做免稅的行為而寧願做完稅的行為你有沒有想過是為什麼包委你了解嗎一個東西它可以免稅進口但民眾寧願完稅進口還要交稅我想這是商業上的一個需求吧為什麼你站在關稅的角度你覺得可以讓你免稅你卻寧願那個"},{"start":13609.716,"end":13629.226,"text":"卻寧願完稅可是這個免稅一定是對營業人比較不利如果有利商人一定選擇有利的方式趨吉避凶他卻選擇了完稅但是你那時候給我的答案是說你們說所以金門地區你列的那320項應該是符合需求這個答案很跳躍"},{"start":13631.239,"end":13645.879,"text":"明明就是這個政策應該是有什麼問題應該去探究說到底是什麼問題但是你們去告訴說那所以我們政策很好百姓沒有這個需求應該去想說如果今天有一個機會您可以有免稅的東西可以買你為什麼要去買完稅"},{"start":13647.233,"end":13671.102,"text":"根委員報告 金門縣政府如果說居民有這樣的一個實際上的一個需求他要進口免稅的物品 免關稅的物品然後供這個離島居民來使用的話是可以提出這個項目跟我們沒有這些項目已經有在裡頭我現在就講這個項目就有為什麼百姓寧願要完稅百姓為什麼寧願要完稅而不要免稅你有沒有想過"},{"start":13672.162,"end":13693.132,"text":"那可能有可能就是那個離島的居民他可能沒有辦法就是說這些物品320項的物品其實已經夠了但是怎麼會比較夠呢你看那320項幾乎都沒有用到啊都一項兩項而已啊表示這個政策上是不是在某些方面的實施是在後端還是哪裡有一些不符合"},{"start":13694.733,"end":13717.584,"text":"這當然我們會繼續探討 但如果說金門縣政府這邊檢討之後 都認為說有什麼治安還是什麼地方所以我們還是 中央政府做中央政府的事 地上政府我也會跟他們要求 但中央政府不是我們在監督的單位嘛所以我請您 包括那個複稅署 所以請你們一個月把我們金門地區的房屋稅有沒有什麼想好的解決方法"},{"start":13718.644,"end":13734.338,"text":"官務署這邊關於金門天音樂人進口免稅關稅這個商品項目還是在提一下檢討報告研究要新增免稅項目的一些建議實際讓你們官務署人在金門去了解一下情形也才知道說你們課的這些東西是不是合理為什麼會有這樣的情形"},{"start":13734.938,"end":13761.468,"text":"再二要的跟委員報告一下我們一直有跟金門縣政府談說如果你那個金門的居民有什麼需要的貨品可以跟我們提議來建議然後我們會邀請相關的機關來討論是不是來增加這些項目是好我們也會跟他們說我想金門縣政府比較了解居民的一個需要對那你們也要去了解一下身為中央單位也必須要了解一下到底老百姓的需求是什麼好嗎都一個月內可以嗎好可以好謝謝"},{"start":13763.229,"end":13768.933,"text":"好謝謝委員好謝謝陳委員的資訊下一位請林思明委員資訊請好謝謝主席我們請財政部莊部長"},{"start":13786.513,"end":13807.084,"text":"部長好部長我想今年是我們同房稅2.0上路後首年的申報那針對自住房屋的新增稅及條款財政部也放寬規定6月2號前都可以申請涉及來補漏洞但是我們看到各地方政府啊即發稅單後"},{"start":13809.826,"end":13821.855,"text":"卻讓我們看到引發的整個房屋稅之亂有民眾發現自住的房屋被認定為非自住稅率直接從1.2%暴增到2.6%導致我們許多的民眾炸鍋有暴增到2.6%的"},{"start":13830.546,"end":13850.467,"text":"那要求地方稅務局要重算 而且要更新稅單那麼對於為何會有這種情況發生的原因部長您在5月15日的回應是認為因為今年首度開增會發生我們地方政府錯誤認定的一個情況"},{"start":13853.25,"end":13869.806,"text":"財政部未來會持續的收集各方的意見並以整體徵收完成後來重新的做檢討至於已經收到稅單的民眾台北市已經重新開稅單就可以拿新的稅單來延後繳納"},{"start":13873.495,"end":13892.712,"text":"當日也有委員問到說這是全國都有的問題不是說只有新北的問題不應該不一致所以是不是所有的地方政府都會遇到民眾來申訴的時候會重新開稅單民眾會有疑問"},{"start":13894.353,"end":13920.521,"text":"而且預期繳納又有滯納金的一個問題部長您當時的回覆是講說你會喊請各縣市政府把這個整個內容跟各縣市政府你會發文請縣市政府要重視這個問題會跟各縣市政府來講清楚那我第一個問題想請教部長的就是說這一個文已經發給各縣市政府了嗎"},{"start":13921.94,"end":13925.603,"text":"這個禮拜就會發也就是說對於新北市政府在認定上的起義這個部分我們這個禮拜這週一定會發出去剛剛委員所提到就是說當然房屋稅今年開增新制以後"},{"start":13937.214,"end":13941.619,"text":"的一些現象譬如台北市的狀況他也及時處理因為加速資料的一個問題那新北在認定上因為他過去也沒有實施過縣市歸戶所以今年這一次的歸戶造成他那個車位有公共設施有單獨權狀的部分他把它當作非住宅來適用所以這個部分我們也趕快會做處理這個禮拜就會做處理"},{"start":13960.418,"end":13983.715,"text":"另外還有委員提到有關稅率2.6這個部分我們必須要說明在房屋稅2.0這個制度裡面就有含有就是說如果你持有多戶而又沒有做有效運用的話那這個部分稅率是會增加而且是全國歸戶這個是當時在立法的時候就有這樣的一個制度設計最主要就是第一個就是對持有多戶者持有稅的率"},{"start":13984.675,"end":14000.563,"text":"過低所以才這一次在我們2.0的稅制改革上裡面做了這樣的調整那至於有關資料的問題或是認定歧義的問題我們都會一直努力來做處理只要發現我們就做一致性的處理我想這個部分謝謝委員的提示謝謝"},{"start":14001.643,"end":14017.391,"text":"我想部長你剛才提到這個是囤房稅的修訂當然這個我們都了解但是我們也看到說政府制定這個政策其實牽涉法而動全身就是說這個涉及條款"},{"start":14018.371,"end":14038.682,"text":"它是否影響到說民眾的任意遷徙基本的權利就憲法上我們有遷徙自由的權利因為為了要適用房屋自住稅率符合法定要件就要涉戶籍這件事情真的已經是搞得妻離子散了"},{"start":14039.622,"end":14056.842,"text":"夫妻,就是夫妻子女為了要設計,為了要在這個他購得的房子裡面去設計妻離子善有這樣的一個問題所以真的要這樣搞嗎?我希望財政部還是要做滾動式的檢討"},{"start":14059.485,"end":14078.097,"text":"因為這個稅例實施的時候如果是為了打房同房稅的問題那整個我們這個政策推動之後有整個影響到我們整個房市的這個有抑制房市的一個上漲嗎這個可能你們也要去考慮一下"},{"start":14079.301,"end":14101.967,"text":"房市的上漲的問題因素很多包含資金的充沛的問題以及民眾預期的心理等等有諸多因素那在這個部分我們是就稅的部分因為有各種方式那其中這一個就是讓房屋就是降低這個囤房的一個基礎所以我說是不是有達到真的遏止囤房這樣子一個政策的一個目標"},{"start":14103.227,"end":14118.143,"text":"讓持有多戶你要去考量因為會我剛才提到的這個似乎會遷移反而動全身嘛會造成很多的民眾為了達到自助稅率然後他們就是去涉戶籍的一個問題嘛OK"},{"start":14121.088,"end":14149.564,"text":"謝謝委員長另外我也想很多民眾疑惑一個問題就是說民眾為了讓孩子就學的問題會將孩子的護護籍寄放在這個學區的親友家裡面但是房屋稅2.0的薪資剩入借親友來涉及的情況他可能會被認定有住任關係導致他的自住房被認定為非自住就是因為他把他的房子借親友來涉及"},{"start":14150.484,"end":14169.038,"text":"他的稅率就會升高所以這種非實質的租賃關係只是供親友來寄放戶籍如何申報才不會影響到他的一個房屋的一個稅率這個部長可不可以跟民眾來這個示意一下要如何申報不能涉及到積增食物是不是請副稅屬長來回應"},{"start":14176.038,"end":14197.113,"text":"跟委員報告如果今天只是建家設戶籍他並沒有實際有租用契約沒有所謂的實際收租金他竊竊說他確實沒有這種事實我們還是會當作沒有就算他還是自主這樣所以他只要像我們的各地的各縣市的國稅那個稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅務局稅"},{"start":14198.354,"end":14203.865,"text":"來去填寫事實上沒有無人租賃關係的一個簽結書就可以了 謝謝"},{"start":14211.482,"end":14227.807,"text":"那我想剩餘一點點時間我繼續來問部長昨天賴總統在520的周年談話中提到現在是成立主權基金非常理想的時刻並提到要將這主權基金連結AI時代的一個主要目標市場"},{"start":14232.268,"end":14252.197,"text":"是不是意味著主權基金的成立已經不是我們現在不是紙上彈兵喔政府現在的是一定要做是勢在必行是不是這樣跟委員報告有關主權基金設置這個部分行政院會邀同國發會央行以及財主單位等一起會來研議規劃討論"},{"start":14255.011,"end":14277.349,"text":"不是在紙上糖冰我現在問你是不是一定就會在今年就會有一個初步的一個規劃的一個結果就會出來也就剛剛跟委員說明行政院會邀同相關部會一起來做討論跟研議規劃所以今年一定就會做嗎這個時程上我可能沒有辦法跟委員做具體的說明是我想其實部長主權基金"},{"start":14279.351,"end":14303.205,"text":"剛剛我們很多人也提到就是說他這個要成立涉及到就是要定專法還有專責機構還有第三方的一個監督機構基金的裁員這幾個因素都要把它考量進去但是我們看到昨天總統宣布說要成立這個AI的主權基金所以這是不是跟目前我們在談判的對等關稅的問題有關"},{"start":14306.414,"end":14309.221,"text":"我一直強調說要成立AI主權基金啊"},{"start":14311.947,"end":14335.938,"text":"對等關稅的談判目前都是由行政院的正副院長在領導相關的團隊OTN他們在做研討是不是 你是部長對這個相關的意見他也是問你啊所以為什麼要特別強調成立了AI主權基金就是好像這個主權基金未來就是要投資AI產業"},{"start":14339.451,"end":14344.033,"text":"總統的意思是不是這樣都沒有遵循過你就直接拋出這樣一個說法這個部分我覺得這個後續應該會再來做討論來看怎麼樣的一個定定是"},{"start":14351.656,"end":14377.391,"text":"其實我們想說各國的政府的主權基金他投資的項目當然他要投資用主權基金投資要對他自己獲益要有獲利的對他的投資的國家的利益是有關的一定是要讓他的基金投資出去之後對他的國家利益是非常重要的而且要有很好的一個收益"},{"start":14378.492,"end":14384.389,"text":"所以我們台積電似乎以我們國家的台積電好像很多國外的主權基金也有投資"},{"start":14386.885,"end":14406.693,"text":"當然主權基金的設置第一個就是要創造財富為國家增加財源所以如同剛剛委員講未來第一個我們的投資的項目還有有關它的規模以及它如何的監管這都需要設置專法未來再做一個周延的規劃然後落入專法裡面"},{"start":14410.535,"end":14425.885,"text":"那民眾也可以完全了解所以我們就是未來也不限於只投資AI產業而已這當然相關的只要是跟我們認為說這個投資報酬率會很高而且也符合我們的國家利益我們就會去投資嘛"},{"start":14426.725,"end":14442.29,"text":"我想這個部分未來在投資項目的部分因為我剛剛為什麼要問你說是不是跟對等談判有關我們知道台積電現在要到美國投資是不是未來我們如果成立主權基金我們也會投資在美國成立的台積電這部分我不知道有沒有討論到這個部分是謝謝"},{"start":14453.064,"end":14457.669,"text":"好 謝謝李世民委員的質詢 下一位 王世堅委員請謝謝主席 我請莊部長來 莊部長請"},{"start":14480.366,"end":14502.372,"text":"總部長我今天跟你談另外一個問題這九大公園卡庫董事長總經理都是你這邊所指派的我相信你也一定經過相當的了解調查熟視才會指派他們這個前幾天啊一營宜蘭分行"},{"start":14503.786,"end":14530.584,"text":"被當地刑警大隊進去搜查那有帶走他們的婦女還有四個行員所以他們因為他們涉及跟詐騙集團有勾結那總共光已經查到的案子有三十幾個受害人三個詐騙集團在那邊開了這個戶頭那我覺得很奇怪在先前啊"},{"start":14532.486,"end":14555.129,"text":"這三個公司的名下的戶頭都已經是警示戶為什麼這麼好的第一銀行竟然還給警示戶繼續開戶這不是很奇怪照說警示戶不但不能給他開戶而且要通報警方"},{"start":14556.403,"end":14579.508,"text":"所以我想了解的是這件事情你有沒有要求第一銀行針對這些開戶的流程去做一些是不是這些有疏失然後我才想了解第一銀行的情況我認為監督管理考核在第一銀行都出了問題竟然啊"},{"start":14580.834,"end":14600.503,"text":"竟然上個禮拜 上三個月 今年三月 更大的台灣銀行台灣銀行竟然有兩個分行 都是副理局還有行員涉入"},{"start":14601.618,"end":14622.156,"text":"都在台北 松山分行 仁愛分行這件事我想你應該知道涉及的金額高達2200萬而被逮獲的中間人他竟然就暗示說到這些行去開戶啊可以有回扣那"},{"start":14625.148,"end":14646.359,"text":"台銀這個涉及的金額更可怕他匯出匯出國外的金額竟然高達一億多元而裡面有一千萬啊竟然是匯到第一銀行剛才我講的上禮拜出事的這個行的同一個詐騙戶頭天啊天啊"},{"start":14649.636,"end":14650.838,"text":"會到同一個公司帳號詐騙戶的這個警視戶所以我覺得這實在是很荒唐啦很荒唐齁那麼"},{"start":14664.446,"end":14690.761,"text":"那個部長你先說這個你瞭解不瞭解這件事有關台銀這個事情瞭解然後剛剛2200萬已經金管會是重罰那對於相關內部的人員包含這兩個行員這兩個行員其實是夫妻關係我在跟金管會談之前我為什麼先找你談因為這九大公營行庫董事長總經理都是你派的義營董事長總經理有來嗎有請起立一下好不好"},{"start":14693.018,"end":14706.289,"text":"那個 你們是模範銀行欸天啊 在我心目中啊我從來沒看到非常高你是模範銀行我們儘管那還特別把ESG這麼重大的這個業務交由你們來推動欸台灣銀行有來嗎 董事長 總經理你們是龍頭銀行欸"},{"start":14721.337,"end":14740.364,"text":"一個龍頭鷹狼 一個模範鷹狼你們竟然出這樣子的事情好了這個照說啊要追究 要檢討警事戶的開戶流程要追查他們有沒有疏忽或者不法這個責任應該由總行由總行來專責監理單位結果到現在為止"},{"start":14750.188,"end":14759.382,"text":"我們整個公營銀行 公營行庫 九大公營行庫只有兆豐銀行啦它是有總行人家它設一個專責監理單位"},{"start":14761.519,"end":14781.705,"text":"所以那個部長是不是就這個你要要求九大公營航庫在總航要設置監理單位監理各分航針對針對這些警事戶的開戶流程做檢討查一查他們是不是有疏忽擅自不法可不可以我覺得應該是這樣做是"},{"start":14785.165,"end":14810.154,"text":"你知道那個台英董事長總經理我為什麼讓你站起來你知道你們先前啊你們先前答覆我你們回覆各單位你們都還跟這個治安單位說你們啊每半年你們就會執行員工違常狀況的清查你們說藉由觀察啦喔你們超厲害的耶"},{"start":14811.534,"end":14825.186,"text":"你們算命嗎 你觀察 查研觀測就可以看到是這樣嗎都不用看他們開戶的流程 你觀察這些航員的外觀神色就可以知道是這樣嗎都不用看看他們經手的資料嗎他們該監管的開戶流程嗎"},{"start":14836.069,"end":14842.154,"text":"好啦 你們四位都是金融的長輩份喔我不為難你們 請坐請坐所以部長 我要跟你提的就是現在我們九大公營行庫應該來做模範的時候這一次打詐司法通過以後反而在做模範的都是民營銀行"},{"start":14862.748,"end":14891.584,"text":"那一家我最常說他的就屬僚三兄弟的大哥他背後的老闆這個第一信託運郎當時他的警示物最多我就說那個中國信託我說中國信託跟詐騙集團We are family結果這樣子跟他以後人家不到半年三四個月"},{"start":14892.807,"end":14917.467,"text":"現在他們現在攔阻了28億元光是成立一個AI神盾聯防AI神盾聯防富邦金共也不遑多讓也弄了一個鷹眼國泰司法也推了國泰盾上半年他們主詐的金額12億元啦所以最主要"},{"start":14919.16,"end":14931.349,"text":"設這些就是可以防止內神通外鬼所以部長我要求是不是你應該回去好好的要求公股銀行仿效民間銀行那麼引進AI還有在總行設專責的監獄單位可不可以"},{"start":14939.96,"end":14954.87,"text":"委員對於好的做法我們一定要引進來然後看能不能再做更為的精進我想委員這個提示我們可以會後來就來做要求好謝謝那時間暫停你請回我請彭主委主委請"},{"start":14960.524,"end":14980.876,"text":"上個月我們被詐騙的金額76億啦只查扣到6億所以我一直不懂的就是說我們要求在治安單位要求之下希望我們銀行銀行端能夠配合圈存這些"},{"start":14982.59,"end":15001.326,"text":"受騙的金額結果圈存啦原先只圈存24小時銀行只配合24小時好不容易打詐釋法過以後現在社會壓力之下延長到48小時但是銀行公會也有講話啦24小時要48小時也罷"},{"start":15008.43,"end":15033.831,"text":"往往圈存的這些戶頭當警方過於忙碌當沒有再進一步方式的時候過了這個時間這個圈存戶又讓他恢復正常錢又流到詐騙集團他又拿走了所以我不懂銀行公會適合居心你今天回去問他一下適合居心啦現在詐騙集團在A"},{"start":15038.749,"end":15054.711,"text":"被外人在挨AI在我們台灣變成是這樣耶照片人A社會在挨好英南公會竟然"},{"start":15056.668,"end":15072.672,"text":"還大剌剌這麼講說這個全存時間過長你知道嗎民間第三方支付他們全存時間都20天以上第三方支付為什麼人家民間可以做到應安公衛這莫名其妙的單位嘛"},{"start":15079.144,"end":15094.357,"text":"所以你今天回去問他們好不好你問他們適合居心我要求應該配合治安單位把存時間增長可不可以我們趕快來跟銀行公會來研究"},{"start":15095.433,"end":15118.988,"text":"然後那個詐騙集團現在也應用這些自然人憑證在開戶啦那很不錯的我們有七家這島市這七家我看大部分是公營含庫啦這個剛才講的兆豐他換成他是模範營能的義營也不錯啦義營、華營、和庫、台企、永豐還有張營"},{"start":15120.709,"end":15141.938,"text":"他們都改成說要視訊驗證或者臨櫃辦理這才能開戶我認為詐騙到現在這種地步後你想想一個月76億了這個完全不用考慮就是取消應該取消自然人憑證的開戶要不然改成臨櫃"},{"start":15145.581,"end":15162.239,"text":"這個臨櫃或者視訊驗證的方式好不好那個主席抱歉是不是再給我15秒後要不要再給我30秒後我要提到金管會我們有針對各營能應用AI做一個調查這裡面有兩個答覆我覺得最莫名其妙啦"},{"start":15163.186,"end":15190.237,"text":"他們認為說竟然有百分之三十的銀行業者我不曉得哪幾家啦他們竟然回答說要運用AI的他說業務上佔無需要天啊業務上佔無需要我剛剛講了嘛你運用AI你像我剛剛提的這三大民營銀行他們用的這個"},{"start":15191.889,"end":15216.66,"text":"保護這個存款戶的方式像包括鷹眼國泰盾什麼AI神盾聯防這些人家就是善於應用AI嘛可以避免像台銀像義營宜蘭芬郎像台銀的奈芬郎這種內神通外鬼好不好我希望他們這個觀念要改你回去好好的跟他們談談"},{"start":15218.061,"end":15231.436,"text":"跟銀行公會談 跟各大公營行戶談 以及民間銀行對於已經有做 做得好的 我們鼓勵他對於不好的 你好好鞭策鞭策他們 好不好"},{"start":15232.998,"end":15259.539,"text":"目前表中其實銀行公會在這方面其實他們也非常努力但是我們還是會持續跟他們要求來改善剛剛那個AI的部分是因為可能調查工具的詢問的方式不一樣我想我們會要求他們盡量用科技主乍的方式來做這件事情來強化最好的可以避開人為疏忽或者勾結不法的這些事最棒的就是AI善用AI謝謝"},{"start":15262.982,"end":15267.586,"text":"謝謝王委員的資訊 現在請林竹英委員資訊請謝謝主席 我知道這個外委會的時間比較短所以請主席幫我邀請金管會彭主委 財政部金管會的彭主委 財政部的詹副長閻副總裁閻副總裁"},{"start":15293.342,"end":15295.285,"text":"有關於這個主權基金的部分本席其實在2023年5月24日的時候我就在財委會有質詢過那麼"},{"start":15311.064,"end":15338.279,"text":"搭配總統的這個有關於要成立主權基金我想先問一下央行所以央行現在態度還是認為因為當時楊總裁是跟我說成立主權基金可以討論但是不適合放央行所以央行現在認為還是不適合做一個組折的單位嗎因為我們在5月8號的那個在財務會的報告我們已經很明確把我們的觀點講出來因為外匯存體的操作和主權基金操作是完全不同的"},{"start":15338.599,"end":15345.038,"text":"是的但是主權操作未來其實一定會跟貨幣相關那麼到時候如果是這樣那央行會派人嗎"},{"start":15347.342,"end":15372.938,"text":"因為這是以後的程序問題要不要怎麼組成那都是由專法在規劃所以就是希望還是通過主權基金如果央行的角度就是要透過專法來處理是嗎對好 那麼財政部呢財政部當時也是說因為人力啊專財等等所以負責主權基金的業務不是不願意但是會有人力上面的問題所以現在依舊如果是這樣的話也是認為要透過專法"},{"start":15375.163,"end":15392.052,"text":"一定需要專訪來設置好那麼我要問一下金管會那麼因為這個整體如果未來真的主權基金要進來的時候其實大家知道他必定會跟我們的相關的國內的包括這些金融都會有相關那麼"},{"start":15392.532,"end":15407.825,"text":"金管會是站在什麼樣的一個角度因為未來這一筆龐大的資金那麼也會需要金融監理那麼金管會又會站在什麼角度呢在設立專法以前其實我相信國人也會很想要知道我現在邀請到的三位首長你們的態度是什麼"},{"start":15408.496,"end":15425.851,"text":"是當然這國家政策金管會是支持那只是說接下來金管會所扮演的角色比如說剛剛其實部長跟那副總裁都提到未來的那個形式是有各種不同的形態比如說剛剛也有委員提到保險業的資金的去入"},{"start":15426.371,"end":15442.561,"text":"那假如說未來的方式是以國家發債的方式我想這時候我們的金融機構的資金就可以來支持這件事情比如像這樣的話我們就會鼓勵我們的金融業來參與這樣因為我們的保險業特別需要國內的投資嘛所以這個大概是這樣一個方向"},{"start":15443.061,"end":15472.168,"text":"好因為我覺得這個部分是這樣我相信現在不論是財政部啦或者是像這個我們的相關的單位都會認為說沒有專財但是就像萬事起頭難我們國內其實有四大基金包括勞動部的勞工保險基金勞退基金勞保基金勞退基金然後權序部有公務人員退休撫恤基金交通部有郵政基金其實他們底下這些單位不論是勞金局或者是這個公務人員退休的管理基金的管理局"},{"start":15472.608,"end":15494.071,"text":"或是中華郵政他們一開始一定也都是沒有這些單位那未來這些單位要怎麼樣的成立恐怕就是財政部或者是央行甚至於金管會我相信這些法規在修的時候應該都會把這些東西考慮進去那我只是認為本席我們在上一屆的時候包括我們都有參與有關於主權基金的提案相關的部分我覺得現場"},{"start":15495.492,"end":15501.98,"text":"包括我們財委會的羅明財委員他當時也是一起共同提案那我認為這些東西都可以再次拿來參考他過去討論那麼現在可能實際上可以應用的到那麼另外一個我要問的題目的話就請財政部長留下來彭主委跟我們的總裁可以先回去休息"},{"start":15515.436,"end":15542.557,"text":"就是本席其實一直在追的這個問題就是有關於現在中國的滲透的方法方方面面其中有一個方式是現在透過歌迷會的方式那麼本席特別關注的是像這樣的一個具有中國資金背景的公司他在澳門是有黨政軍背景公司然後他委託台灣這間叫做上億公司來做處理"},{"start":15543.257,"end":15557.546,"text":"那這樣的一個歌迷會呢問題在哪裡為什麼會跟財政部有關呢不是國安的問題嗎我跟主席借個兩分鐘我把這個題目釐清也希望財政部跟複稅署能夠來了解就是這樣一個歌迷會5月10號台灣才賣票但是中國的黃牛4月30號就可以開賣了而且他委託的是境外"},{"start":15568.462,"end":15584.664,"text":"的這種所謂的公司在做切票我們要知道一場歌迷會到底他賣了多少張票有多少的收入如果在台灣境內用台灣的售票系統包括營業稅 包括銀索稅我們可以抓得到"},{"start":15585.405,"end":15595.672,"text":"但是如果說是4月30號在境外中國的黃牛用中國的售票系統就買了我現在要求的是這個有沒有逃漏稅的問題有沒有相關的問題除了國安的問題之外我覺得站在財委會的角度 財政部的角度是這些稅不能讓它跑掉所以我請問部長或會署這個事情能不能查"},{"start":15612.262,"end":15618.129,"text":"然後可以怎麼查如果沒有答案我可以請你們提交報告給我然後告訴我多久可以有報告是不是我們了解整個情況以後再以報告來給委員"},{"start":15625.441,"end":15652.123,"text":"那可以查嗎 先告訴我 這樣可以查嗎報告委員 其實我們在查核有沒有漏報營業稅短漏營業稅 委員索稅有很多方法像這個如果他最後這個見面什麼歌迷什麼簽證會 這種事在台灣舉行其實我們也可以實地去看現場到底有多少歌迷在那邊如果 當然有一種狀況是如果他是封鎖的不讓我們進去 那是另外供權力的行為兩個禮拜 兩個禮拜第一個報告給"},{"start":15658.887,"end":15666.812,"text":"希望不要有這個逃漏稅的疑慮啦好 謝謝謝謝另外一個質詢 下一位請廖先生 委員請謝謝主席 有麻煩請央行原副總裁央行的原副總裁請"},{"start":15683.934,"end":15707.191,"text":"副總來好,因為央行這個持有非常多的外匯存底對我們國家來說是一筆非常大的財產財富所以說它的價值我想也是大家非常注重的那先前也在茶友會有質詢過我們的總裁因為川普就任之後,有些人懷疑美元霸權是否會動搖那美元的價值等等的,包括殖利率等等的"},{"start":15708.391,"end":15726.641,"text":"那時候的總裁跟我說他並不會目前並沒有要調整一攬子貨幣的一個比例那我可不可以請總裁這個第一點我先跟副總裁確認一下我們目前央行持有的美元就川普就任以來持有的美國的債券是增加還減少的"},{"start":15728.518,"end":15742.866,"text":"這個方向你應該會有清楚吧我們持有美債的都是到期以後轉換所以在每一個時間點他都有到期的也有我們要新買的那你們的方向是持續購入還是減碼"},{"start":15744.847,"end":15770.087,"text":"所以我的了解就是目前因為我們每年的外匯存都在增加所以我們在持有美債我印象中今年還是有一點增加所以就是過往的政策一樣因為基數變大所以是增加那第二點麻煩業務單位先幫我查一下這個看能不能在質詢結束前幫我計算一下就我國的外匯以台幣計價的損益川普總統就任到今天為止"},{"start":15770.888,"end":15793.755,"text":"好不好 那我想先跟總裁確認一下我們央行一再的對外宣稱 我們並沒有操控匯率嘛 對不對對好 那下一頁好 這個美元指數嘛 這個副總裁應該非常了解喔從川普總統就任以後 美元指數跌了8.6%就是對宜蘭子的貨幣 它跌了8.6%那我們來看一下一些其他的貨幣"},{"start":15795.376,"end":15819.583,"text":"那美元兌換日元喔美元兌換日元的部分也跌了7點多趴蠻接近剛才的一個數字喔接下來歐元兌換美元喔這應該反過來看啦那歐元兌換美元也漲了這個8點多趴那其實也符合美元指數的一個波動大家都是在這個區間調整然後都是有這個線型啦這個叫做K線嘛K線的線型大概都是差不多的下一張"},{"start":15821.192,"end":15835.537,"text":"然後我們的美元兌換新台幣的指數卻跟別人長得很不一樣我們最終的結果到目前為止也是跌就是我們美元兌台幣是跌了7%就我們大概漲了7、8%左右"},{"start":15836.337,"end":15851.523,"text":"但是我們的現形跟別的很不一樣反而是在這個之前兩三個禮拜之前一次性的把美元對應一攬子貨幣的漲幅跌幅美元對其他貨幣的跌幅我們台幣是把它漲回來了副總裁你覺得要怎麼解釋這樣子"},{"start":15858.683,"end":15882.691,"text":"我們在面臨匯率波動比較大的時候央行的每天的操作策略當然會有所調整是那這個也是我們過去一直在做的一個別人在穩定波動的時候對美元穩定的在漲的時候我們卻可以看到前一段時間都是穩定的持平的也就是我們跟美元幾乎是完全掛鉤的別人對美元漲我們卻沒有"},{"start":15884.051,"end":15889.961,"text":"然後大概在關稅談判的時候卻一次把別人的漲幅一次漲回來"},{"start":15892.091,"end":15914.918,"text":"副總裁你要說你們沒有操控匯率嗎那個報告委員因為我們的基本的論點是當這個外匯市場有出現這種比較不正常的交易我們認為是有一點問題目前看起來就是台幣不正常啊其他貨幣看起來都一致啊美元指數日元歐元都一致只有新台幣不正常然後一次就把這個數字把它補回來了"},{"start":15915.518,"end":15940.159,"text":"那個報告委員如果你去看一下其他的經濟資料我們的第一季經濟成長率是比亞洲各國都高很多第二個我們的外資在四月五月都大量匯入我們的漲幅也跟別人是幾乎差不多的啊是吧匯率它反映很多的經濟面的一個程度那副總理你說這樣子的一個線圖跟別人比較起來這樣算正常嗎"},{"start":15941.733,"end":15960.385,"text":"還是正常還不正常我們認為我們透過這樣子的操作策略讓我們的新台幣升值預期有一點點把它降低很多好不好我想在這段時間匯率漲或跌都有好處跟壞處這個不討論但是就是要穩定不能有巨大的波動"},{"start":15960.925,"end":15973.904,"text":"但是我們的央行很明顯的在川普就任之後為了跟美元掛鉤到最後的一個結果造了許多廠商的一個損失或是銀行的一個損失我認為這是央行必須要好好檢討的下一張下一張"},{"start":15975.066,"end":16003.349,"text":"好那接下來就是一樣這個美元霸權的一個問題啦對美元一攬子貨幣我們的外匯存底到底要不要孤注在美元身上那先前標準普爾跟匯域都已經調降了穆迪也在上禮拜五調降了我想還是要繼續請我們央行要思考一下在全球這個美元貶值的情況下然後信用平等的都持續調降之下我們是不是要來調整一下我們的外匯存底的一個配置的比例啊我覺得真的要請"},{"start":16004.37,"end":16026.529,"text":"央行我們好好思考一下然後剛剛第一頁的第二題目會後再給我資料這一點我覺得就是牽涉我們國人財產的問題那我後續會再持續追蹤好不好謝謝謝謝現在有蘇清泉蘇清泉蘇清泉我們不在何欣淳何欣淳何欣淳我們不在邱志偉委員請質詢"},{"start":16040.158,"end":16051.881,"text":"謝謝,我先請這個...顏副總裁顏副總裁請同時請金管會彭主委金管會彭主委跟財政部財政部總部長總裁、副總裁前面剛才問,他說跟美元掛鉤啊你那個央行政策,你要不要我給你時間說明一下他剛才沒要跟你說"},{"start":16072.018,"end":16077.386,"text":"其實我們的外匯的操作策略我們看到市場出現很"},{"start":16078.66,"end":16107.02,"text":"很異常的時候我們會加大我們的進展干預的程度前面那個說你們跟美元掛鉤有這回事嗎我不曉得所謂的掛鉤是因為美元是我們很重要的一個交易的媒介所以我們匯率在某種程度上是跟國際美元有一點連動的關係的匯率政策是一個非常非常重要但是也非常非常專業你要綜合判斷各個因素"},{"start":16108.158,"end":16132.603,"text":"做這個會議的決策很簡單的一顧為就可以規則於什麼原因規則於這個決策是因為什麼這樣不專業而且我覺得在國會質詢要有一定的素養跟水平好我第一個問題想請教這個三位包括彭主委包括莊部長就新清安的房貸房貸這個核貸量降"},{"start":16137.694,"end":16155.077,"text":"因為新台幣這個強升經濟不確定因素提升所以四月的核貸年減30%月減20%這個對青年人要貸款是非常不容易還有剛性需求也會被處"},{"start":16156.707,"end":16168.15,"text":"現在撥分是經管會還是要財政部還是要央行共同跨部來解決怎麼樣讓新青安這些年輕人的貸款能夠更為簡便更為順利有關新青安這個部分他就幫助沒有房屋的青年朋友們去買第一間房子"},{"start":16180.663,"end":16205.932,"text":"那在我們供股行庫在沉坐的時候事實上我們的院長已經要求就是說對於這種自住的然後首購族都是優先的放貸可是從數字來看它是年減30%月減20%這個部分第一個受理的件數也往下降的話那當然合貸的件數跟金額也會往下降那受理的件數也就是說他去買房子以後他來申請貸款嘛"},{"start":16207.412,"end":16230.701,"text":"那其實新青岸從推出以後之前其實在去年的時候五月達到最高的一個高峰所以目前的政策作為不會影響新青岸貸款的相關的效率速度不會目前不會譬如說像央行的信用管制對於首購族也沒有做一些特別的部分所以也不會有這個門檻的增加那我想請問彭主委您的看法呢"},{"start":16232.021,"end":16259.4,"text":"跟委員報告一下我們從去年9月30號開始每個禮拜監控市場房貸的變化那我們得到幾個結論從過去一直到現在9個月的時間大概平均一個月的貸放量大概是250億到350億之間平均大概就是300億左右我們平均的餘額大概是2500億總量大概是維持在4000億左右的水準那大概"},{"start":16260.2,"end":16284.147,"text":"這意思是說這麼久來幾乎大概都是沒有變化因為這個都可以去查我轉成另外一個問題就是說這個國營的房貸的壞帳是有增加對不對這個壞帳增加當然是在可控的範圍沒有對於這個房貸的並沒有因此而增加但比例上是沒有增加啦但是總額有增加吧"},{"start":16285.442,"end":16309.345,"text":"總額有增加啦我只是提醒一下總額有增加啦這個應該是這樣講我們會定期公佈這個剛剛講餘放比率現在這是一個訊息但是現在目前在可控範圍這是一個訊息剛剛副總也了解那我接著再請教一下嚴副總裁就是說關於第七波的健全房市的信用管制"},{"start":16310.185,"end":16326.133,"text":"那上一次這個總裁來,我記得郭國文委員也曾經請教過他,是不是會做這個調整或是會對這個政策做一些的修正,他說他會檢討,那檢討不見得會調整,意思是說會檢討,那不是會調整,你的看法呢?"},{"start":16331.761,"end":16349.121,"text":"就是說第七波信用管制有沒有可能再放鬆報告委員我剛才已經回答過其他委員同樣的問題就是說我們在理事會開會之前我們都會檢視我們最近的那個房地產情況我們再做判斷所以現在言之過早"},{"start":16350.114,"end":16353.216,"text":"其實我們的同仁每天都在注意到相關資訊的收集和整理"},{"start":16372.216,"end":16398.01,"text":"這個有關於你買新房子那舊房子要一年之內要拒絕要出售你第一個房子覺得第二個房子條件比較差可能坪數比較小可能地點比較不好所以他才有換屋的需求對不對好你買了房子你要一年之內要把它賣掉第一個除非運氣好第二個除非你這個降價求售"},{"start":16399.54,"end":16413.696,"text":"它地點絕對是比地點更壞所以它那個房屋處置的時間你要讓它有彈性你說叫它一年 沒一年你就要收回相關的貸款我覺得這不盡合理每個區不一樣喔"},{"start":16415.798,"end":16438.171,"text":"你每個去牛籠 台北市 台北市 買地戶 賣地戶當然沒有什麼太大問題如果從屏東市 屏東縣要到高雄縣或者從台南 嘉義要到台南也許它的城市發展 規模不一樣所以它每坪的售價也不一樣它的房子條件也不一樣沒有 剛才前面一個也讓你可以了啦 已經已經給你很多時間了啦你要一致同仁啦已經給你很多時間了你要一致標準 你不用雙標"},{"start":16444.918,"end":16469.238,"text":"那個 我請教一下那個副總長您的看法有沒有可能讓他 這個彈性你說 啊 今天沒有啊這個報告委員 因為很多的意見我們都會拿回去再參考和研議啦對啦 但是這個還是 這是反映民情反映民情啦 所以你要去做一些調整 去參考謝謝卿委員的出席 謝謝"},{"start":16471.657,"end":16496.956,"text":"葉元之 葉元之 魏元之委員不在陳貫庭 陳貫庭 陳貫庭委員不在博文輝今日登記發言委員 今日詢談完畢現在處理中華民國114年度中央政府總預算金管會主管的預算解凍案 專案報告9案"},{"start":16501.256,"end":16509.983,"text":"現在與預算解凍無關的行政官員可以離席財政部啊 央行可以離席金管會就留下來好 請議事人員宣讀處理114年度中央政府總預算決議有關金融監督管理委員會主管預算凍結專案報告9案1金管會新增決議凍結金管會之業務費預算30%專案報告案"},{"start":16531.64,"end":16537.783,"text":"2.凍結第二幕金融監理向下金融監督管理預算50萬元書面報告案3."},{"start":16537.783,"end":16542.326,"text":"凍結第二幕向下金融監督管理預算1%專案報告案4."},{"start":16542.326,"end":16547.569,"text":"金管會銀行局新增決議凍結金管會銀行局之業務費預算30%專案報告案"},{"start":16550.871,"end":16558.555,"text":"五 金管會正期局新增決議凍結金管會正期局之業務費預算30%專案報告案六 金管會保險局新增決議凍結金管會保險局之業務費30%專案報告案"},{"start":16568.619,"end":16573.741,"text":"7.凍結金管會保險局第二幕保險監理預算100萬元專案報告案8."},{"start":16573.741,"end":16576.382,"text":"金管會檢察局新增決議凍結金管會檢察局業務費預算30%專案報告案9."},{"start":16576.382,"end":16579.563,"text":"凍結金管會檢察局第二幕金融機構檢查預算300萬元專案報告案宣讀完畢"},{"start":16594.372,"end":16598.763,"text":"這個我們現場不夠委員所以稍等一下好不好"},{"start":16616.51,"end":16630.06,"text":"響鐘"},{"start":16642.23,"end":16663.316,"text":"好 向委員會報告現在我們有委員已經到了法定門數了求告委員對於金管會專案報告的9案預算解凍有異議願意我們通過審查環境準理動之提報運費"},{"start":16666.045,"end":16687.399,"text":"報告委員會本次的會議作如下之決定第一報告說明及巡打全部完畢第二委員質詢未及答覆或請補充資訊請相關部會在一週內以書面答覆委員令要求期限者從其所定"},{"start":16688.34,"end":16715.825,"text":"第三 委員楊瓊英 陳冠廷所提的書面質詢列入紀錄 看登公報並請相關部會以書面答覆第四 針對114年度中央政府總預算用凍結案處理情形金管會主管預算解凍案48案均處理穩均 準理鬥志提報用會"},{"start":16717.765,"end":16738.912,"text":"請問各位委員對於以上決議有異沒有異議我們就通過那麼各位委員本次會議議程已進行完畢假如有不在場的委員補題順便質詢一併列入記錄看登公報並請議事人員協助處理 上位"}]}},"supported_relations":[],"relations":[]}