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那有沒有"},{"start":176.113,"end":192.285,"text":"現在主要是可能是因為剛剛部長講那三個有沒有保險業現在據我所知我待會跟保險局確認我據我所知現在沒有因為他主要是那個主要是他的那個投資報酬率跟未來的穩定性現在就是這個矛盾的地方如果可以賺錢大家都會來"},{"start":193.206,"end":219.896,"text":"如果賺不了錢你開放也沒用嘛所以你寫這個報告等於是白搭嘛我的意思是說在國外它的社會住宅跟公共建設甚至跟檢疫連開放在一起它其實是賺錢的是有人會去投資的可是我們現在把這些都全部拆開來然後現在要慢慢試著放進來主委我的意思是說如果我們今天要促餐就全套的"},{"start":220.615,"end":245.812,"text":"就能夠讓他算得出來他賺得了錢的否則我們這些寫的報告都是白搭啦除了你的為止嘛你寫了半天我們開放你可以投社會住宅但沒人投啊但是我們第一步一定要先開放我們這些不是開放以後其他相關的法規包括財政部給他的稅付優惠包括我們財政部離出來的相關的國有土地去做相關的BOT也好"},{"start":246.272,"end":271.411,"text":"或地方政府他們做的聯開案也好這些可能都必須要放在你的促餐裡面給保險業這樣子的誘因給他們這樣子的機會三位知道我的意思嗎理解也就是說我們今天討論對你可以投資了但沒人來啊第二剛剛部長很認真了才推了三個然後還沒進行最重要的是我們政府"},{"start":273.504,"end":281.395,"text":"13萬戶按照內政部縣的說法我沒田我也沒人所以我在賴清德的四年之內他蓋不到3萬戶也就是說他的8年13萬戶打對折之外還要再打對折這才是我們現在的問題啊所以主委"},{"start":291.408,"end":319.027,"text":"這個開放了接下去是不是金管會要協助或者是讓這個事情能夠成真其實我們一直也在比如說我們希望有些公件不要只有這個舉債不要永遠都是政府來做一些虧錢的事嘛如果說可以把它做一些比較符合市場的這樣的一個我們講一個簡單的例子以前體育館都是政府蓋啦現在巨蛋需要政府蓋嗎"},{"start":319.827,"end":335.942,"text":"不用啊它配合相關的商業設施它其實是可以回本的然後它的狀況很好我想非常多的金融保險業也非常願意去投資啊這其實也是我們跨部會在努力的啦是所以可能動作要更快一點如果社會住宅政府沒辦法蓋沒錢沒人沒地"},{"start":338.504,"end":366.635,"text":"那你既然有開放這些東西接下去就是怎麼樣讓這個畜生案它更可行然後因為我們現在畜生也有一定的機制了它也有一定的防避的措施了怎麼樣讓社會住宅納入這個部分能夠趕快快速的達到政策目標這是我今天質詢我覺得你既然開放尤其是金融保險院進來了他們將本求利不賺錢了不會去那如何讓他賺錢他會去社會住宅才蓋得出來"},{"start":367.515,"end":386.72,"text":"好嗎 我覺得今天希望三位在這個部分的社會住宅能夠列入將來包括社宅政策財政部稅負優惠以及金管會協助這些金融保險投資業他們應該要來參與的政府公共建設其中一個最大的重點不要再蓋那麼多巨蛋了啦 先來蓋社宅"},{"start":387.833,"end":415.571,"text":"如果設宅可以賺錢 人都來啊啦好不好我覺得這個是現在我們看到說既然開放了就希望保險業希望不管怎麼樣以後在這個地方質詢的委員可以問到說已經有幾家保險公司進來了已經有幾個案子成功了我們也非常期待好不好 這是第一點我希望國發會要成為這個的中間的非常重要的溝通管道"},{"start":416.211,"end":433.761,"text":"跟委員報告我們是在初餐裡面已經把社會住宅當作一個指標沒錯但是沒人來啊我們現在其實我們跟內政部你當成指標但是沒人來我們設法要提高保險業的投資誘因譬如用永長PPB"},{"start":434.501,"end":454.042,"text":"是相關的方式讓保險業覺得這個是可以值得他進來的標的主委是專家保險業他最熟所以怎麼樣讓這個部分他們能夠參與進來他的錢多到不知道要花去哪裡啊現在就怎麼樣讓他投資安全而且又是政府需要的這才是我覺得雙贏甚至三贏的狀況"},{"start":455.57,"end":469.05,"text":"確實我們現在保險球投出來也有地方接他啦是 也就是說他們不能不能不賺錢嘛那你又不能你怕他賺錢嗎我們希望他也賺錢然後我們社會住宅也提供的出來"},{"start":470.188,"end":497.44,"text":"接下來是金管會那其他國發會請回然後我要問一下金管會主委我們現在的銀行每年獲利看你們的報告都非常的驚人每年都獲利超標每年成長5% 8%的我們要檢討一個東西就是所謂的跨行轉賬手續費現在很多的電子支付基本上很多都不需要手續費轉賬雖然銀行還是有一定的成本"},{"start":498.62,"end":522.109,"text":"現在的手續費15塊錢是12年前的然後每一年交易的跨行轉賬的數量已經超過12年前非常多倍所以銀行他的收益裡面有一大半是利息增加最重要的是手續費增加很多手續費要不要再做一些檢討15塊1000塊以上15塊10萬塊也是15塊這15塊其實是很多小額轉賬很痛的地方"},{"start":528.53,"end":545.027,"text":"我想委員提出來所有東西當然都值得經過一段時間是這已經12年了是108就已經12年前的事了那時候交易量月交易量已經是12年前的快三倍但是我們的手續費並沒有檢討跟調整"},{"start":547.27,"end":575.464,"text":"我們可以去了解一下合理的這個狀態因為時空環境不一樣沒錯我們當然要兼顧我們經營上面的必要的成本是但是因為現在幾乎都是電腦作業以前是有很多人工對賬有些相關的成本我覺得這個部分是金管會如果要把它當成一個重要的檢討方向我覺得至少手續費如果可以降低然後促進我們的普惠金融其實手續費在全世界來說它都不算低"},{"start":576.144,"end":599.703,"text":"尤其是银行转账一两千块也要15块我想这个如果说也跟大部分的消费者有关的这个部分我们会很忠实的来去检视至少要开始检讨因为这已经十多年没有检讨过之前有讨论过这样的一块101年的事情已经十多年了"},{"start":601.038,"end":624.648,"text":"101年現在的交易量已經是三倍了他還是15塊我這個我認為說至少在您任內開始檢討他的獲利我們不影響銀行的獲利的情況但是他們的交易量增加這麼多他其實獲利也過多了三倍了但是他的成本並沒有增加因為全部都是電腦作業好吧是我們可以針對合理化做來做個演演繹的好謝謝主委謝謝謝謝謝謝委員"}]}},"supported_relations":[],"relations":[]}