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謝謝主席 謝謝王雲喔好 那我請呂次還有我們勞保局的白局長請呂次長跟白局長"},{"start":12.194,"end":31.888,"text":"委員長很久沒看了是來 我今天問三個問題 三個問題第一個 我們衛福部從2017年就設這個兒童及少年未來教育及發展帳戶對不對是 沒錯可是現在已經八九年了對"},{"start":35.31,"end":53.06,"text":"那你是用中低收入到低收入家庭的孩子那到現在到目前就是三萬九千多人然後存款才三十二億這樣平均起碼一人存八萬塊而已"},{"start":59.545,"end":70.791,"text":"這個案子很好地擴大整個方向整個限制都打開這個本身就是一個好的方法了是不是 市長"},{"start":73.05,"end":87.382,"text":"非常感謝委員 長久以來對少子女化問題的關心 我要委員報告就是我們之前 其實這是在美國最早有一個資產累積叫Sheldon 他的理論就是說 強硬人 希望他們在最早 我們十八歲的時候有辦法第一桶金 讓他們的經濟市場可以繼續"},{"start":98.792,"end":118.103,"text":"但委員報告我們現在推動的部分我們也是說就是要幫助我們這個港口的家庭讓他們脫貧那你現在這個錢是委託台灣銀行嗎我們現在就是存在 存在台銀那邊是跟存在的那些私房或是他們有投資"},{"start":120.008,"end":143.041,"text":"我們都現在是儲蓄的功能 只有儲蓄而已所以可以定存的錢 那不是笑的這理想的幾乎是零啊所以你現在 你現在這個草案說是要讓勞保局操作嘛 勞保局你們在看什麼 勞保局你們看看錢 幾點要給你們 你看你們多厲害"},{"start":145.829,"end":170.006,"text":"跟委員做報告現在國內這個兒少發展賬戶那是由主管機關衛福部這邊來指定台銀來辦理那目前的一個實務運作據我們了解其他模式相對是成熟對於中央還有地方主管機關還有金融機構之間的一個分工還有作業流程相對是清楚的那如果在勞動部這邊的話因為勞保局過去扮演的角色是在社會保險部分的一個"},{"start":170.826,"end":193.025,"text":"保險人那如果在基金的投資運用上面是我們勞動部的勞動基金運用局這邊來做處理那如果說就這樣的一個制度當然今天大院其實也討論了非常多在制度的一個設計上我們也尊重主管機關這邊的一個考量不過在設計的過程中因為以勞保局我們現行的一個整個勞保局的一個定位角色跟"},{"start":193.505,"end":202.396,"text":"人力上面我們是有提到剛剛還講的兒少的發展賬戶如果說在現行的模式上一定有一個相對成熟穩定的運作模式經驗可循"},{"start":203.41,"end":230.246,"text":"那在這樣的一個基礎上跟如果把這個業務再委託到勞保局對我們而言是全新的業務衛福部這個架構我看是還不錯但是他就錢就你存在台銀他就是全放在那裡走並且設立一個帳戶這樣而已啊不去投資嘛不去投資就沒有它的效益出來那如果說將來還是放在台銀台銀能力會不會很差啊"},{"start":232.208,"end":257.947,"text":"你們的操作幾兆幾兆在操作的你們的效益都有8% 10% 12%所以台會指定給你們對你們才比較有期待那如果是衛福部你把留在衛福部之前交給台銀台銀也是用這種投資的型態台銀自己本身就可以操作因為我給他算一算你沒有多少錢"},{"start":259.088,"end":287.633,"text":"最多才三四千億而已比你們那幾兆幾兆再投資的差太多了如果是將來交給你們應該也是小case啦如果是給台銀的話台銀才有那個能力啦我現在比較大的質疑啦現在台銀沒有來不然的話就請他好好的來表示也跟委員這邊做一個補充在目前是不是勞動基金議員局今天副局長有來是不是如果委員同意的話可以請副局長這邊做一個補充那目前我們在"},{"start":289.874,"end":304.785,"text":"勞工退休金的制度上面我們有新制跟舊制那在台銀部分的話舊制就是在我們勞基法56條有明確規定我們的收支保管運用是委託台灣銀行來做處理那我們的基金運用局主要是負責新制部分因為下次這個會繼續辦來 第二個問題請次長"},{"start":310.861,"end":332.568,"text":"市長這第二個問題就是這一個今天提出的這個未來賬戶這個是很好的我們執政黨的立法委員也說這個很好但是只是說兇兇把他踢出來所以他為何沒有credit為何他的公債為何沒有去所以把他搶 搶到後還要開公廳還要做什麼"},{"start":334.429,"end":351.14,"text":"那事實上這個在全世界像新加坡 英國 韓國 加拿大都有了嘛那邊的各式的方式都不一樣這都有精力出來了是 謝謝所以出生給他五萬 每一年給他一萬一萬一萬那家長要拿可以一年多拿十萬"},{"start":355.563,"end":379.23,"text":"這樣到你如果說拿10萬到12歲、18歲那就不太錢了對 這個是好事啦又去投資 又有賺一點利息又有賺一點投資的效益那這個是好事 倒是我們健保局我們衛福部本身是比較保守嘛好像一種站在旁邊的人站固定立立 你不笑的"},{"start":380.291,"end":384.595,"text":"你現在說的這幾個我估計就是剛才委員所說的英國英國是兩千五年開辦的但是兩千十一年它都停了是怎樣"},{"start":395.285,"end":401.651,"text":"不像我剛才說的2008所以委員我們為什麼因為我們這些都是港口人的錢我們要更謹慎的啦你說要用投資 投資比有風險嘛這個部分可能還是要慎思啦 我剛才說英國那個案例可能"},{"start":415.155,"end":433.234,"text":"嚴公義是2011年他還有一個是由Junior ISA這三萬台那個保安就是後來就沒辦法你去到一半變成兩位了所以他們就很好就很好就接下去了所以我們知道大家都希望說做好但是這個因為像保安今天也有說這個這樣下去四千多億"},{"start":436.357,"end":445.846,"text":"我們現在高齡化我們有很多社會救助長照3.0都要退縮所以是不是會產生排擠效果可能也是要謹慎來來來變更舒服好"},{"start":450.04,"end":462.483,"text":"所以這個還要等民進黨有沒有提版本行政大臣要不要提版本那部長有指示說我們現在就是廣聽我們國務委員還有我們社會各自的意見我們來做一個對民間我們這些父母最好的一個方案我們是那個開放態度"},{"start":476.342,"end":483.888,"text":"好 所以臨近目前要做的就是這樣要做 不用這樣做議長有提及我們現在目前現有剛才委員也有說這個我們會來研擬看是不是可以再擴大好過不錯 我們要怎麼擴大我最後問你 台灣有八百萬戶左右八百萬"},{"start":495.916,"end":506.866,"text":"裡面沒有納稅或是納5%以下的所得稅差不多要到5%幾萬塊所以差不多六成我都沒有納稅所以你用4萬塊太少了"},{"start":513.452,"end":536.726,"text":"一定要享受這個沒落水或是說落5%以下的水這個孩子你要幫他補償如果說收入很高的這個他們自己就有嫁給他嘛有的孩子像你說的孩子在股市有開戶的像我們部長那麼有錢對不對小孩在股市就要有開戶啊對不對我只是說笑但是我要跟你說的就是祭祀這個"},{"start":538.206,"end":563.167,"text":"五六百萬給伊哈一定要給他們一個投資型這樣對小孩子將來要保障因為我們現在錢這樣好的時候就很多錢不好的時候有可能就不好我們台灣現在1100多萬個勞工裡面在做晶片業的才100多萬人"},{"start":563.687,"end":580.47,"text":"其他的1000萬都苦哈哈傳統產業現在都苦哈哈那這個晶片業如果往下掉一點馬上出問題你看整個股市70%的資金都在消高科技晶片這個是很可怕的事情"},{"start":581.448,"end":607.926,"text":"你們看好我是看得很擔心這個農產業你看這個整個股市這邊都國票都六個大米嗎這要多少這個好嗎我不知道這個是我們行政院也要小心的所以你們是開放的態度讓大家來討論原則上你們暫時不提版本"},{"start":612.372,"end":613.755,"text":"我們廣聽各方意見"}]}},"supported_relations":[],"relations":[]}