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招魂回臺或者在當地修建這個墳場"},{"start":224.305,"end":242.213,"text":"期盼這個標準可以適當的修正把標準提高一點那如果沒有也希望侨委會可以利用預算的預度多提供一些贊助那就本期了解目前相關活動的贊助金額大概是每一年的200美元換成現在還不到7000元"},{"start":246.306,"end":257.899,"text":"我沒有這麼少的可能少一個零吧可能記錯了少一個零我們的數字不可能給太北都這麼少大概多少大概多少剛剛我就說再多一個零"},{"start":262.484,"end":282.101,"text":"至少要再多一個零啦我需要逐步的提高到五千塊美元啦因為他們沒有忘記中華民國我們也應該讓他們知道我們這幾場大活動都是一萬美金以上中華民國也沒有忘記孤軍的一個奉獻犧牲那我想這個是一個跟你討論謝謝"},{"start":284.904,"end":299.283,"text":"我想你在整體上 你表現得非常好你應該當內政部長那 劉思芳把內政部長已經做小了那你把喬爾惠已經做得非常地好 好不好"},{"start":300.445,"end":312.562,"text":"謝謝我們肯定另外喔對於今天的報告本席注意到這個僑委會強化海外的性保基金的服務本席同意擴大海外性保基金對於擴展僑態"},{"start":316.566,"end":341.133,"text":"台商事業版圖的正向但本席也注意到這個當中的一個風險那我想海外信保基金的目的是在以為喬台商提供協助但是存在風險也非常的明顯畢竟它是一個政府信用和公帑為海外企業提供一個擔保那讓他們能向外國銀行融資"},{"start":341.913,"end":367.167,"text":"所以當信保基金擴大相對應的是承擔風險也會提高所以僑業會會比較強調擴大海外信保基金的一個好處的部分但這個隱藏在背後的就是風險由誰承擔如何管控會不會變成海外紓困黑洞這是一個本席的擔憂那以目前海外信保"},{"start":368.248,"end":381.088,"text":"信保基金的一個設計看來政府要承擔90%的風險銀行幾乎不用害怕倒帳那這會讓銀行和企業更大大膽的放款的一個借款"},{"start":382.219,"end":399.976,"text":"評估風險之後緊急性自然會降低但是真的會出事的時候就丟給政府處理所以請問海外現在的信保基金總保證餘額大概多少不良保證比例大概多少來回答"},{"start":400.836,"end":411.462,"text":"委員我先講大概的概念會之所以成立海外信保基金的原因就在於說因為過去的金融機構對於在國內資產他可以做集合的狀況之下他會比較願意提供融資貸款這樣的一個機會那因為他有這個動產不動產的相關保證那因為對於海外的這些資產他們沒辦法去做集合"},{"start":425.25,"end":439.526,"text":"那在早期因為這樣的狀況之下當時的李前總統有敢於說海外台商是我們國力延伸很重要的力量為了拓展這個機會所以才成立了海外信保基金就是幫他們做保"},{"start":440.447,"end":464.688,"text":"那做保的過程當中 當然政府會有一定承擔風險的可能性所以我們從早期的10億元基金開始事實上跟委員報告 我們績效非常良好我們從10億的資金一路 然後到了2017年第二次增資計畫當時行政院核定再多加20億那我們前10億的資金 基本上沒有什麼大大的虧損"},{"start":465.909,"end":469.333,"text":"還是維持很好的這個追償跟所謂的代償機制那我們也都會去關心那些台商如果他連續兩三個月利息沒有穩定的結交的時候我們就開始進場說了解他是不是發生什麼狀況了所以只有極少數的案例"},{"start":485.347,"end":498.591,"text":"是確實有發生過我們幫他代償了但是就算代償完以後我們也是終身追溯所以我們到現在為止仍然有一些過去代償的金額仍然在追回來所以本會的這個雖然有面臨風險的這個信保基金可是我們的管理績效原格上說起來算是非常績效良好"},{"start":506.833,"end":513.256,"text":"因為說明我們才了解另外海外信用保證基金的開辦美國對等關稅專案貸款的部分本席擔心會變成在"},{"start":522.559,"end":545.378,"text":"在補貼失敗的企業這部分有沒有產業以風險審查的一個門檻那另外本席同意以目前的國際局勢的一個如此的動盪海外信保基金確實以有必要做出一些調整以適應惡化的一個環境但是本席要提醒重點是信保基金的根本目的不要忘記了要幫"},{"start":546.779,"end":570.766,"text":"幫海外台商做產業升級如何避免變成用納稅納稅人的錢為高風險海外投資做隱性紓困喬惠會應該要注意到這一點剛剛我提到的就是如何在這個美國對等關稅的貸款的部分擔心的補貼失敗的企業這個部分有沒有其他產業風險審查的一個門檻"},{"start":573.307,"end":585.229,"text":"委員從我們去年九月開辦對等關稅至今是只有六件那這六件我們只有補貼利息跟手續費而已那事實上那是給他們一個短期資金周轉的概念所以基本上沒有那個剛剛委員擔憂的問題在我們現在既沒有大型的這個貸款出去的計畫也沒有說因此有虧損的這個情形那因為對等關稅事實上還在變動當中所以大家也還在持續的觀察"},{"start":601.092,"end":614.151,"text":"好那至於太北的部分是不是提高我們再提高加一個零就五千美金好的好委員跟您報告我預算很不夠的狀況下我每一年都去募款所以太北地區的人都知道我很認真在幫他們募款以上報告謝謝"}],"gazette":[{"speaker":"黃委員仁","start":"2026-03-18T09:54:12.822000+08:00","guessed":false,"end":"2026-03-18T09:54:15.203000+08:00","text":"有請僑委會委員長。","quality":0.625},{"speaker":"主席","start":"2026-03-18T09:54:15.604000+08:00","guessed":false,"end":"2026-03-18T09:54:15.744000+08:00","text":"請委員長。","quality":0.75},{"speaker":"徐委員長佳青","start":"2026-03-18T09:54:15.744000+08:00","guessed":false,"end":"2026-03-18T09:54:15.924000+08:00","text":"黃委員，早安。早。","quality":1},{"speaker":"黃委員仁","start":"2026-03-18T09:54:25.476000+08:00","guessed":false,"end":"2026-03-18T09:55:04.227000+08:00","text":"本席上任之後，對於泰北孤軍的權益及生存環境非常地在意，因為本席有親自前往過，也了解孤軍後裔的困境，雖然隨著世代更替和地區趨勢的穩定，已經有不少孤軍後裔在泰北取得國籍或者居留權，逐漸擺脫了難民的身分，生活也比較穩定了，但是這只是相對於過往，整體而言，他們的資源還是非常地匱乏，需要得到更多的支持。","quality":0.933},{"speaker":"黃委員仁","start":"2026-03-18T09:55:05.729000+08:00","guessed":false,"end":"2026-03-18T09:55:27.864000+08:00","text":"就以本席所知，僑委會對當地提供了不少協助，尤其是支持泰北地區華文教育或提供教材，透過僑務系統資源、泰北地區的華校、支援華校學生來臺、升學管道與獎學金等等。","quality":0.886},{"speaker":"黃委員仁","start":"2026-03-18T09:55:28.925000+08:00","guessed":false,"end":"2026-03-18T09:55:58.976000+08:00","text":"當地民眾多次向本席表示非常感謝中華民國政府沒有遺忘他們，並盡力提供協助，所以即使生活艱困，孤軍後裔仍然堅持對中華民國忠誠，對當地社區設立的華語學校、文化日、清明掃墓等民俗活動，在中華文化傳承上非常活力。","quality":0.753},{"speaker":"黃委員仁","start":"2026-03-18T09:55:59.817000+08:00","guessed":false,"end":"2026-03-18T09:56:18.584000+08:00","text":"另外，更重要的是在國軍海外英靈的慰祭，雖然他們沒辦法代表官方祭祀國軍英靈，但仍然堅持每年舉辦祭典、修繕孤軍陣亡官兵墓塚等等。","quality":0.737},{"speaker":"黃委員仁","start":"2026-03-18T09:56:19.545000+08:00","guessed":false,"end":"2026-03-18T09:56:25.668000+08:00","text":"委員長，僑委會對於他們相關祭祀活動是否提供什麼樣的協助？","quality":1},{"speaker":"黃委員仁","start":"2026-03-18T09:56:27.149000+08:00","guessed":false,"end":"2026-03-18T09:56:28.170000+08:00","text":"贊助金額大概多少？","quality":1},{"speaker":"黃委員仁","start":"2026-03-18T09:56:28.790000+08:00","guessed":false,"end":"2026-03-18T09:56:35.254000+08:00","text":"本席再請問對於泰北文化及祭祀活動，僑委會是否有什麼樣的依據和標準？","quality":0.935},{"speaker":"黃委員仁","start":"2026-03-18T09:56:35.254000+08:00","guessed":true,"end":"2026-03-18T09:56:38.187000+08:00","text":"回答一下。","quality":0},{"speaker":"徐委員長佳青","start":"2026-03-18T09:56:38.187000+08:00","guessed":false,"end":"2026-03-18T09:57:05.441000+08:00","text":"跟黃委員說明，我們在輔導泰北地區孤軍後裔的相關活動上面，主要focus在兩項：第一項，在329青年節的相關活動，這個活動的挹注經費都相當的多，少則1萬美金以上；多則會依照他們的需求來年度變化。","quality":0.94},{"speaker":"徐委員長佳青","start":"2026-03-18T09:57:06.401000+08:00","guessed":false,"end":"2026-03-18T09:57:38.253000+08:00","text":"第二項，我們在年度的9月底，就是祭孔大典，去年本人也親自擔任了泰北地區好幾場祭孔大典的主祭官，所以也充分地了解他們對於傳統的堅持跟文化的傳承，這個我們都有補助，但是對於祭祀所謂的陣亡官兵部分，因為這不屬於我們的業務範圍，所以就沒有辦法列入補助的項目，過去我們有曾經協助國防部到當地，把當地的亂葬崗移墓回來臺灣，招靈、招魂回臺或者在當地修建墳場。","quality":0.93},{"speaker":"黃委員仁","start":"2026-03-18T09:57:38.253000+08:00","guessed":true,"end":"2026-03-18T09:57:47.279000+08:00","text":"好，謝謝。","quality":0},{"speaker":"黃委員仁","start":"2026-03-18T09:57:47.279000+08:00","guessed":true,"end":"2026-03-18T09:57:56.305000+08:00","text":"我想僑委會也有義務跟國防部橫向聯繫。是。","quality":0},{"speaker":"黃委員仁","start":"2026-03-18T09:57:56.305000+08:00","guessed":false,"end":"2026-03-18T09:58:07.530000+08:00","text":"因為期盼這個標準可以適當修正，把標準提高一點，如果沒有，也希望僑委會可以利用預算額度多提供一些贊助。","quality":0.913},{"speaker":"黃委員仁","start":"2026-03-18T09:58:08.430000+08:00","guessed":false,"end":"2026-03-18T09:58:14.193000+08:00","text":"就本席了解，目前相關活動的贊助金額大概是每年200美元，換成新臺幣還不到7,000元。","quality":0.848},{"speaker":"徐委員長佳青","start":"2026-03-18T09:58:18.506000+08:00","guessed":false,"end":"2026-03-18T09:58:21.109000+08:00","text":"委員，沒有這麼少的，不可能，可能少一個零吧！","quality":0.722},{"speaker":"黃委員仁","start":"2026-03-18T09:58:21.109000+08:00","guessed":true,"end":"2026-03-18T09:58:23.611000+08:00","text":"少一個零？","quality":0},{"speaker":"徐委員長佳青","start":"2026-03-18T09:58:23.611000+08:00","guessed":false,"end":"2026-03-18T09:58:24.813000+08:00","text":"對，委員可能記錯了，少一個零。","quality":0.75},{"speaker":"徐委員長佳青","start":"2026-03-18T09:58:25.694000+08:00","guessed":false,"end":"2026-03-18T09:58:27.756000+08:00","text":"我們的數字不可能給泰北這麼少，而且近年來我們……","quality":0.619},{"speaker":"黃委員仁","start":"2026-03-18T09:58:28.817000+08:00","guessed":false,"end":"2026-03-18T09:58:29.238000+08:00","text":"大概多少？","quality":1},{"speaker":"徐委員長佳青","start":"2026-03-18T09:58:29.418000+08:00","guessed":false,"end":"2026-03-18T09:58:29.618000+08:00","text":"剛剛我就說要再多一個零。","quality":0.545},{"speaker":"黃委員仁","start":"2026-03-18T09:58:29.638000+08:00","guessed":false,"end":"2026-03-18T09:58:29.878000+08:00","text":"多一個零？","quality":1},{"speaker":"徐委員長佳青","start":"2026-03-18T09:58:34.484000+08:00","guessed":false,"end":"2026-03-18T09:58:35.304000+08:00","text":"至少要再多一個零，有時候還要再乘以……","quality":0.5},{"speaker":"黃委員仁","start":"2026-03-18T09:58:35.805000+08:00","guessed":false,"end":"2026-03-18T09:58:39.188000+08:00","text":"我希望逐步地提高到5,000塊美元。有！","quality":0.643},{"speaker":"徐委員長佳青","start":"2026-03-18T09:58:39.188000+08:00","guessed":true,"end":"2026-03-18T09:58:41.069000+08:00","text":"都超過，我剛剛講1萬塊的。","quality":0},{"speaker":"黃委員仁","start":"2026-03-18T09:58:41.069000+08:00","guessed":false,"end":"2026-03-18T09:58:45.273000+08:00","text":"因為他們沒有忘記中華民國，我們也應該讓他們知道……","quality":1},{"speaker":"徐委員長佳青","start":"2026-03-18T09:58:45.533000+08:00","guessed":false,"end":"2026-03-18T09:58:47.755000+08:00","text":"我們這幾場大活動都是1萬美金以上。","quality":1},{"speaker":"黃委員仁","start":"2026-03-18T09:58:48.196000+08:00","guessed":false,"end":"2026-03-18T09:58:50.958000+08:00","text":"中華民國也沒有忘記孤軍的奉獻犧牲。是。","quality":0.941},{"speaker":"黃委員仁","start":"2026-03-18T09:58:52.480000+08:00","guessed":false,"end":"2026-03-18T09:58:54.101000+08:00","text":"我想這是跟你討論的議題。謝謝。","quality":0.769},{"speaker":"徐委員長佳青","start":"2026-03-18T09:58:54.101000+08:00","guessed":true,"end":"2026-03-18T09:58:56.904000+08:00","text":"委員，我跟您說明一下……","quality":0},{"speaker":"黃委員仁","start":"2026-03-18T09:58:56.904000+08:00","guessed":false,"end":"2026-03-18T09:59:11.263000+08:00","text":"我想你在整體上表現得非常好，你應該當內政部長，劉世芳把內政部長已經做小了，你已經把僑委會做得非常地好，好不好？","quality":0.9},{"speaker":"徐委員長佳青","start":"2026-03-18T09:59:12.445000+08:00","guessed":false,"end":"2026-03-18T09:59:12.886000+08:00","text":"謝謝委員肯定。","quality":0.667},{"speaker":"黃委員仁","start":"2026-03-18T09:59:13.326000+08:00","guessed":false,"end":"2026-03-18T10:00:00.877000+08:00","text":"另外，對於今天的報告，本席注意到僑委會強化海外信保基金的服務，本席同意擴大海外信保基金對於擴展僑臺商事業版圖的正向，但本席也注意到這當中的風險，我想海外信保基金的目的是在於為僑臺商提供協助，但是存在風險也非常明顯，畢竟它是運用政府信用和公帑為海外企業提供擔保，讓他們能向外國銀行融資，所以當信保基金擴大，相對應的是承擔風險也會提高。","quality":0.961},{"speaker":"黃委員仁","start":"2026-03-18T10:00:03.278000+08:00","guessed":false,"end":"2026-03-18T10:00:15.305000+08:00","text":"僑委會會比較強調擴大海外信保基金好處的部分，但這個隱藏在背後的風險由誰承擔、如何管控，會不會變成海外紓困黑洞？","quality":0.98},{"speaker":"黃委員仁","start":"2026-03-18T10:00:15.966000+08:00","guessed":false,"end":"2026-03-18T10:00:17.667000+08:00","text":"這是本席的擔憂。","quality":1},{"speaker":"黃委員仁","start":"2026-03-18T10:00:17.887000+08:00","guessed":false,"end":"2026-03-18T10:00:41.085000+08:00","text":"以目前海外信保基金的設計來看，政府要承擔90%的風險，銀行幾乎不用害怕倒帳，這會讓銀行和企業更大膽的放款與借款，評估風險之後警覺性自然會降低，但是真的出事的時候就丟給政府處理。","quality":0.95},{"speaker":"黃委員仁","start":"2026-03-18T10:00:42.527000+08:00","guessed":false,"end":"2026-03-18T10:00:49.033000+08:00","text":"請問現在海外信保基金總保證餘額大概多少？","quality":0.895},{"speaker":"黃委員仁","start":"2026-03-18T10:00:49.293000+08:00","guessed":false,"end":"2026-03-18T10:00:50.695000+08:00","text":"不良保證比例大概多少？","quality":1},{"speaker":"黃委員仁","start":"2026-03-18T10:00:51.836000+08:00","guessed":false,"end":"2026-03-18T10:00:51.956000+08:00","text":"請回答。","quality":0.667},{"speaker":"徐委員長佳青","start":"2026-03-18T10:00:52.836000+08:00","guessed":false,"end":"2026-03-18T10:01:18.792000+08:00","text":"委員，我先講大概的概念，之所以會成立海外信保基金，原因就在於過去的金融機構在對於國內資產可以做稽核的狀況之下，才會比較願意提供融資貸款這樣的機會，因為會有動產、不動產的相關保證，可是他們對於海外的這些資產沒辦法去做稽核，早期是這樣的狀況。","quality":0.882},{"speaker":"徐委員長佳青","start":"2026-03-18T10:01:20.013000+08:00","guessed":false,"end":"2026-03-18T10:02:01.032000+08:00","text":"當時李前總統有感於海外臺商是我們國力延伸很重要的力量，為了拓展這個機會，所以才成立了海外信保基金，就是幫他們作保，在作保的過程當中，當然政府會有承擔一定風險的可能性，所以我們從早期的10億元基金開始，跟委員報告，事實上我們的績效非常良好，我們從10億的資金開始，一路到2017年進行第二次增資計畫，當時行政院核定再多加20億，那我們前面10億的基金基本上沒有什麼太大的虧損，還是維持很好的追償跟所謂的代償機制，我們也都會去關心那些臺商，如果連續兩、三個月沒有穩定的繳交利息，我們就會開始進場了解他是不是發生什麼狀況了。","quality":0.908},{"speaker":"徐委員長佳青","start":"2026-03-18T10:02:18.087000+08:00","guessed":false,"end":"2026-03-18T10:02:29.150000+08:00","text":"確實有發生過極少數我們幫他代償的案例，但是在代償完以後我們也是終身追償，到現在為止，我們仍然在把一些過去代償的金額追回來。","quality":0.789},{"speaker":"徐委員長佳青","start":"2026-03-18T10:02:29.150000+08:00","guessed":false,"end":"2026-03-18T10:02:30.571000+08:00","text":"所以本會的信保基金雖然有面臨風險，可是我們的管理績效嚴格說起來算是非常良好。","quality":0.861},{"speaker":"黃委員仁","start":"2026-03-18T10:02:38.833000+08:00","guessed":false,"end":"2026-03-18T10:02:40.234000+08:00","text":"因為有這樣的說明我們才了解。","quality":0.692},{"speaker":"黃委員仁","start":"2026-03-18T10:02:40.234000+08:00","guessed":true,"end":"2026-03-18T10:02:42.615000+08:00","text":"報告主席，再給我1分鐘。","quality":0},{"speaker":"黃委員仁","start":"2026-03-18T10:02:42.615000+08:00","guessed":false,"end":"2026-03-18T10:03:00.765000+08:00","text":"對海外信用保證基金開辦美國對等關稅專案貸款這個部分，本席擔心會變成在補貼失敗的企業，這部分有沒有產業與風險審查門檻？","quality":0.927},{"speaker":"黃委員仁","start":"2026-03-18T10:03:00.905000+08:00","guessed":false,"end":"2026-03-18T10:03:31.783000+08:00","text":"另外，由於目前國際局勢如此的動盪，本席同意海外信保基金確實有必要做出一些調整以適應惡化的環境，但是本席要提醒的重點是：你們不要忘記信保基金的根本目的是要幫海外臺商做產業升級，如何避免變成用納稅人的錢為高風險海外投資做隱性紓困，僑委會應該要注意到這一點。","quality":0.866},{"speaker":"黃委員仁","start":"2026-03-18T10:03:31.783000+08:00","guessed":false,"end":"2026-03-18T10:03:42.766000+08:00","text":"剛剛我提到的就是如何避免美國對等關稅貸款的部分變成補貼失敗的企業，這個部分有沒有產業與風險審查門檻？","quality":0.896},{"speaker":"徐委員長佳青","start":"2026-03-18T10:03:45.307000+08:00","guessed":false,"end":"2026-03-18T10:03:57.209000+08:00","text":"委員，從我們去年9月開辦對等關稅至今只有6件，這6件我們只有補貼利息跟手續費而已，事實上，那是一個給他們短期資金周轉的概念，所以基本上沒有剛剛委員所擔憂的問題，我們現在既沒有大型貸款出去的計畫，也沒有因此而虧損的情形，因為對等關稅事實上還在變動當中，所以大家也還在持續地觀察。","quality":0.96},{"speaker":"黃委員仁","start":"2026-03-18T10:04:13.873000+08:00","guessed":false,"end":"2026-03-18T10:04:17.819000+08:00","text":"至於泰北的部分，是不是提高、加一個0變成5,000美金？好的。謝謝。","quality":0.75},{"speaker":"徐委員長佳青","start":"2026-03-18T10:04:18.860000+08:00","guessed":false,"end":"2026-03-18T10:04:26.151000+08:00","text":"跟委員報告，在我們預算很不夠的狀況下，我每一年都去募款，所以泰北地區的人都知道我很認真在幫他們募款，以上報告，謝謝。","quality":0.923},{"speaker":"黃委員仁","start":"2026-03-18T10:04:26.651000+08:00","guessed":true,"end":"2026-03-18T10:04:27.793857+08:00","text":"OK，謝謝。","quality":0},{"speaker":"主席","start":"2026-03-18T10:04:28.093857+08:00","guessed":true,"end":"2026-03-18T10:04:31.808143+08:00","text":"接下來請沈伯洋委員上臺質詢。","quality":0}]}},"supported_relations":[],"relations":[]}