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那圖銀呢謝謝 謝謝林董事長那我們圖銀何董事長"},{"start":124.313,"end":139.874,"text":"土銀的部分的話是在過年前會有先戒資1.5個月然後我們全年的年終獎金大概落在每年的七八月的時候才會把這4.4個月花完所以那過年前咧"},{"start":140.732,"end":170.08,"text":"過年前就是先戒指它一年五個月那所以跟這個台灣銀行是一樣應該正常是一樣然後是到七八月的時候才對 考了下來以後才會把四點四個月全部花了對啊 因為過年前總是希望大家要領年終你七八月再領就不叫年終獎金了那也是一樣四點四個月是你看這個部長這個你直屬下面的這個大概台灣銀行跟土地銀行就是四點四個月來 那我們這一個公股洋龍頭來 招風的董董事長"},{"start":171.209,"end":198.647,"text":"委員好我們的程序大概差不多不過我們的獎金包括就是兩個月的年終獎金那另外還有呢就是績效那績效當然就要看整個績效情況那另外還有一項就是我們的員工酬勞所以那個部分就變成要開了董事會的時候才能決定的所以整個加起來今年如果發去年的話大概是八個月左右八個月那所以今年呢今年應該不會今年是發的是去年的那去"},{"start":201.229,"end":223.593,"text":"今年的年終獎是發去年的對 發去年整個年度的經營績效好 那大概是八個月左右八個月八個月左右 好 謝謝接下來第一金控 邱董事長八個月喔哇 這個其他我看這個林董事長跟這個何董事長我們員工表現也不差啦但是沒有辦法這個財政部這邊有一關卡住了來 邱董事長"},{"start":225.668,"end":252.545,"text":"第一青鳳這邊去年已經也是創新高我們年終獎金大概包括所謂的考積績效跟員工酬勞將近八個月會在年結的時候先預支一個月然後在四月份再將剩餘的款項再撥給同仁也是一樣大概八個月左右所以也是先預支一個月一個月會不會太少我看其他比如說像台銀土地銀行都有兩個月"},{"start":253.928,"end":261.544,"text":"我們一個月但是我們春節獎金也有一個月這樣子所以是"},{"start":262.17,"end":286.826,"text":"大概在年中的時候會發兩個月發兩個月這樣比較合理不然其他的你們績效也很好其他都可以先發到兩個月你們如果只發一個月看起來是稍微少一點所以是可以發到兩個月是嗎 還是一個月中間的中是有一個月然後在春節前介是一個月將近兩個月這樣子"},{"start":288.24,"end":308.599,"text":"那我覺得還是你們要去檢討一下啦如果說大家都可以發到兩個月因為這個只是先給你拿未來還是會還你啊對不對那我覺得你們考慮一下啦如果可以的話我覺得還是給員工兩個月啦好不好好謝謝謝謝邱董事長接下來黃藍金寇陳董事長"},{"start":311.345,"end":340.334,"text":"我們一直以來都是年前先發1.5個月然後剩餘的是在4月的時候會發放那預計今年的話會超過7個月超過7個月那我也建議啦就是兩個月啦你們也是1.5個月嘛對啊這個我覺得也是可以兩個月啦好不好如果其他銀行都有兩個月的話這個不然大家會互相比較啊好不好好謝謝謝謝陳董事長合作金庫林董事長"},{"start":342.403,"end":360.798,"text":"包括我們的年終獎金大概預期也是會超過七個月那過年前也是會先發考核獎金一個月然後還有一個月的戒指那所以是兩個月我還是希望如果有機會還是超兩個月啦好謝謝謝謝林董事長來張華銀行胡董事長"},{"start":365.792,"end":390.33,"text":"我們今年一季大概發總共接近八個月那我們會先發一個半月然後另外介資一個半月所以你們有三個月是三個月那看起來是這樣比較起來是彰化銀行的這一個對員工來講是最溫暖的好謝謝謝謝吳董事長台灣中小企業銀行李董事長"},{"start":391.511,"end":407.355,"text":"是 報告委員我們的講述辦法裡面三節是發兩個月所以春節會先發一個月然後再戒支1.5個月所以是2.5個月是那全年呢全年今年預估去年因為獲利創新高大概會超過8個月超過8個月是"},{"start":409.816,"end":424.719,"text":"好 謝謝等一下所有董事長在留步等一下還有問題要問你們來 莊部長所以先聽起來大概其實除了台灣銀行跟土地銀行之外大概都有七八個月的水準對不對"},{"start":426,"end":451.786,"text":"是的对啊所以这个落差你还是要想办法这个同样都是银行人员是那这个部分因为涉及到整个国营事业的一个福利以及待遇的部分是由整个人总以及行政院那边来做统一规划然后原来我们的国营事业是可以到4.6个月但后来因为立法院的决议把它改成4.4个月这个部分我们也希望能够是不是可以给予"},{"start":452.086,"end":469.283,"text":"這個當然有些是我們行政院內部的整體那我是覺得說既然都是銀行的公股銀行的我們的從業人員那其實待遇真的是不要差太多那怎麼樣去做爭取部長也要幫他們爭取我們會積極的來跟行政院來做爭取"},{"start":474.148,"end":490.653,"text":"對啊那不要說這個好像就是案子送到行政院去然後好像沒有動靜了然後就一年一年這樣子我來這邊也兩年了金融事業的競爭也很激烈的對啊好那我現在就問到說大家也很關心關稅的問題那其實昨天有討論過"},{"start":494.035,"end":509.352,"text":"這個總共還有分兩個層次一個是2500億由企業自所投資這樣其實大家都知道說其實我們大企業這個大概扣掉這個台積電之外1650億其他的一些我們跟半導體相關的這些大的一些企業他們"},{"start":510.774,"end":524.205,"text":"因為台積電會過去投資他們也會再過去投資這是一部分那另外一部分就是屬於這個信用保證那這個信用保證我們昨天有提到說2500億那這2500億這個就是由國發基金這邊來統籌但是需要我們公股銀行這邊來做配合 對不對就國發會來做規劃做一個專案規劃然後國發基金出資以及公股銀行還有民營銀行一起來參與"},{"start":537.557,"end":559.852,"text":"好 那我問一下那我先問一下台銀好了林董事長因為這個企業都會大企業啦當然有些大企業他們自己不一定需要跟這個銀行來借錢但是有一些中小企業可能他要去美國投資需要跟銀行這邊來借錢那就你們來講的話就這一部分那個信用保證基金你們一般都是怎麼樣處理的"},{"start":562.03,"end":584.933,"text":"其實這個對中小企業的保證有一個是叫中小企業信保基金那這是針對規模比較小的中小型的企業那目前要規劃的這個國發基金規劃的這個就是國家融資保證機制這個是會針對比較大型的企業那如果看中小企業的規模如果他覺得中小信保足夠他運用的話他就可以來申請中小信保"},{"start":585.293,"end":606.758,"text":"那因為整個國保的機制目前還在規劃當中所以也不太知道說這個未來的費率還有這整個額度現在都還沒有定案那如果這些企業要去美國投資跟你台灣銀行借錢你會借給他們嗎有保證我們就會借有保證 你說有政府的保證就會借對對對好 那我請教一下這一個趙峰董董事長"},{"start":608.328,"end":632.459,"text":"那如果企業要去美國投資要跟你們借錢的話呢敢不敢借 可不肯借 要不要借我想還是回到5P的原則不管他去哪個國家投資我們還是要先看看他的風險情況他的5P我們審核過的話那當然我們就會借但如果說在這個屬於信用的有一個margin的話那當然就是說如果有保證那我們的借貸的意願會更高"},{"start":633.36,"end":653.039,"text":"這等於是國家來當這個靠山了國家由我們的國發基金它有當一個靠山然後就是擔心因為就像你講的就是說你們要考慮這麼多的因素在這種情況之下有一些企業可能不一定不一定有這個機會借到錢如果說有國發基金當靠山的話"},{"start":654.38,"end":677.785,"text":"他的情況還是這樣就是他不會是百分之百的不會是百分之百的這個信用保證如果百分之百信用保證的話他會有一個道德風險所以大概譬如說保個八成保個七成這樣子所以如果保七成保八成的話對銀行來講我們還是有風險的所以我們當然還是要回到5P原則來審查老實講這些要去美國投資的這些企業規模也不會太小"},{"start":679.079,"end":701.031,"text":"當然如果以現在所談的這些關稅的話應該都是大企業大企業基本上他們的財務狀況都不錯所以當然本來我們對他的信用對他的這個整個信心就比較高但是如果他的相對其他的一些供應鏈的話那當然我們還是必須要回到這裡基本上我們還是都會從5P的方式來所以其實如果你們借給這些大企業你們也能夠活力啊當然"},{"start":702.171,"end":718.756,"text":"所以我是希望說有關於這個信用保證未來跟公股銀行借錢的這部分我是希望能夠達到雙贏就是說讓企業有這個更多的資金去美國投資那也能夠讓你們銀行能夠賺錢信用保證是一個信用加強的機制"},{"start":720.117,"end":726.925,"text":"好OK好謝謝好謝謝主席謝謝我們部長還有所有的功夫洋董事長謝謝好謝謝李分審委員的質詢好部長請回接下來我們請黃珊珊委員質詢"}]}},"supported_relations":[],"relations":[]}