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所以有一個真性嘛"},{"start":110.583,"end":135.257,"text":"連針嘛 銀行又銀行股啊 又不是隨便放款他一定會去看你的信用 你的所得你的營業額 甚至你有沒有不動產 資產 負債都會看完 經過徵信完我決定 我銀行要借你一億可是我覺得對你信用上我有所疑慮 要你找個保證人這個保證人呢 在海外就是海外信保基金 你們來當保證人"},{"start":136.658,"end":151.011,"text":"在家庭通常呢配偶買房子連帶保證人就找另外一個配偶嘛綁在一起啊所以政府擔任所謂信保的角色就是當我們中小企業如果在海外他要去拚經濟"},{"start":152.412,"end":176.708,"text":"可是他拿不到銀行啊 海外美國的銀行不借他錢啊歐洲銀行不借他錢啊或者因為你誰擔保的身份差別 利率會有所差別美國的話 如果你是初次來這邊做生意 大概是6%那一般信用比較好 有往來的大概是2%以下啦這個是海外資金運作的所以我再跟你確認這件事情就是我們長年以來 這個又不是我們現在執政才有"},{"start":177.408,"end":194.043,"text":"長年以來喬委會的海外信保基金為了幫助我們喬台商我們在信保的額度每一億你們要準備的成本大概是1.4%左右我這樣全是沒有錯嘛這個就是成本嘛"},{"start":195.284,"end":221.904,"text":"所以100塊要準備1.4塊100億要準備1.4億140萬美金140萬美金要準備這個額度所以從這來看我們最近跟美國談到的所謂的最惠國待遇或者是關稅談判我覺得它是一個專業問題政治的口水沒辦法去掩蓋真實如果這個談判的條件不好企業界會知道"},{"start":223.206,"end":233.942,"text":"產業界會知道如果這個談判的條件不錯產業界也會知道也許對政治人物的評價可以透過抹黑啊 造謠啊可以有一時的影響但是這是紮紮實實的經濟議題"},{"start":236.738,"end":255.364,"text":"所以2500億所謂的對美投資那個是指私人部分包含台積電的1600億美金還有我們要購買我們的能源等等那個大概就消化掉了很多人把後面那2500億美金的信用單保直接把它加上去你們會這樣加嗎"},{"start":258.399,"end":278.064,"text":"應該不一定啦 因為事實上本身這個企業他的投資的錢到底是自己的錢或者是跟銀行借來的錢其實是都有可能的 用家法就不對嘛就好像你兒子去買一間房子一千萬叫你這個老爸來擔保一千萬難道你還要在另外拿一千萬放在那裡 不是你是擔保他那一千萬不還的時候你的貸產嘛 是"},{"start":278.752,"end":308.044,"text":"那代償率1.4%我就要準備1000萬我就準備個這個14萬嘛就代償率的概念是這樣子所以2500億美金的擔保或信保其實我準備就是2500億乘上1.4%大概35億美金35億啦何況像台積電那種公司哪需要你信保啊所以還會更小大概會低於25億美金因為許多會到美國投資的大型公司他本身的Credibility在"},{"start":309.603,"end":333.52,"text":"國際任何銀行都搶到借他錢根本不用你去信保他所以他真正幫助到的是比較少涉足海外投資的或者是首次去海外投資的或者是屬於中小型規模欠缺他的這個Credibility這樣的企業我們在幫助的是 輔助的是這樣的弱勢或中小或者他有能力只是缺乏過去的時機"},{"start":334.941,"end":350.459,"text":"就像我們的性保基金一樣 對不對所以第一個命題我剛才請教的就是透過我們政府長年就存在的對海外叫海外性保在國內的就是中小性保這個不是現在才有欸你們海外性保操作幾年了"},{"start":351.634,"end":370.346,"text":"37年多了37年多啊我們在場大概沒有幾個比37年小啦我們都比他大但37年也算蠻長的時間所以37年來歷經多任的政府信保是一個我們我們的企業家我們的產業界去海外打拼的時候他的一個工具"},{"start":371.447,"end":394.868,"text":"從來沒有人說我信保 我們僑委會信保我們的信保金 信保1億5千147萬美金哇 那你僑委會的預算 大概一半就拿去花掉了沒有人這樣算的所以我們該透過這樣子 讓他理解信保的概念那個貸償率1.4%才是一個潛在的成本而且那還可以再追償的你只是擔任擔保 所以"},{"start":396.41,"end":410.646,"text":"2500億準備起來是35億美金如果扣掉大型企業那種自己就可以擔保自己的大概還要比35億美金更小現在任何人再把2500億信保那就不是不懂囉如果看到我們這段不是不懂囉"},{"start":411.607,"end":426.774,"text":"那就裝不懂直接要亂帶風去破壞台灣好朋友談到這麼優惠那台灣的傳統產業不管在台中在彰化在任何地方因為這樣子 韓國已經吃雞了韓國變25%15%不疊加跟25%要疊加差多少如果你原始稅率是21或27要疊加的意思就是變50多%欸跟15%封頂不疊加"},{"start":439.977,"end":445.007,"text":"台灣的中小企業的命脈在這裡那我現在要請教你的第二個問題我們也請副委員長上來"},{"start":447.13,"end":470.356,"text":"那個現在有產生一個情形台灣確實在對等關稅談判達到了15%另外還有2.5倍的投資可以豁免抵稅歸零還有232條款對九大產業的列入不管是汽車零組件我們的水五金工具機腳踏車零組件等等等等"},{"start":471.974,"end":485.59,"text":"那我現在要請教僑委會跟信保基金的是我們有一些僑台商他的工廠是在台美以外的第三國而像東南亞有的是19%有的21%有的還要疊加有的還有懲罰稀產地幫中國稀產地的懲罰性關稅20%"},{"start":491.516,"end":510.675,"text":"那我們的橋台商如果因為在越南啊在哪裡遇到這樣困難他轉去美國投資我請教橋友會這個投資額度有沒有列入台灣對美投資額度他從第三地比如說我們某某橋台商現在他的工廠設在非洲設在東南亞"},{"start":511.415,"end":525.995,"text":"而他現在決定因應這個關稅我在這邊生產把我的利潤吃掉了我現在某某橋台商呢把我們的資金要拿到美國加州投資德州投資這個有沒有列入我們中華民國對美投資的額度內"},{"start":528.048,"end":539.277,"text":"謝謝委員的關心喔 僑委會的工作主要是做僑台商的平台那您剛剛的問題呢 可能專業的經濟部或者是這個我們的談判小組來回答比較適合 對 那我們一定是全力配合不是配合 你們要了解這一點 僑台商如果你們服務夠好 僑台商第一個會找到你們欸 請教一下 我現在在印尼這個工場齁我準備挪一億美金去投資美國"},{"start":554.429,"end":558.993,"text":"阿這個有沒有算我們國家對美投資因為這個題目會決定下一題喔但是僑委會的立場我們不是這個主事的機關我們還是要以這個對其他的像經濟部或者是談判小組我要你們去了解嘛"},{"start":569.983,"end":595.434,"text":"Q&A要答得出來啊你Q&A都答不出來你怎麼服務橋台商答完之後說請找經貿辦請找經濟部國貿局他有他業管單位但橋台商我從第三國移到美國去投資的時候有沒有列入我們國家對美投資這個很重要這牽涉到我們一開始那2500億台積電已經投資1600億了第二個他如果從第三國到美國投資信保金金"},{"start":596.565,"end":615.833,"text":"可不可以列入我們服務的對象是可以嘛所以這兩題是相關的如果我們今天有一個在印尼的橋台商他從印尼到美國去投資我們國家納稅人的信保基金縱使就1.7%的成本潛在成本我去擔保他去美國他可以取得比較低的競爭優勢"},{"start":617.153,"end":636.683,"text":"那他到底有沒有列入我們對美投資問清楚啊如果沒有你可以提醒我們談判辦說這個要列進去啊這一旦列進去我們的信保海外信保基金等於變成整體國家的作戰而且我們國家的那2500億美金的信保是不是要把你們這個納入裡面"},{"start":639.025,"end":647.925,"text":"include列在額度裡面而不是列在外面因為光列在額度我看你們2025年就吃下了一億五千萬美金啊不錯啊"},{"start":649.071,"end":675.62,"text":"這不錯啊 這個減輕我們的負擔啊縱使就1.7% 1.4%也是一個負擔啊那個信保董事長知道我的意思嗎就是說這一個額度有沒有列入我們對美投資額度有不錯啊第二個他現在已經算是我們信保服務的客戶那我信保這一個額度有沒有列入那第二段2500億的美金的信保的額度裡面如果有更好我現在在做就可以扣掉"},{"start":676.547,"end":684.363,"text":"你這樣懂我意思嗎那你們現在如果沒有答案請盡速回答本委員會跟本席這樣好不好好 謝謝委員的戰略思維我們就配合趕快來去這個好 謝謝"}]}},"supported_relations":[],"relations":[]}