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先慢慢請金管會主委請金管會彭主委"},{"start":17.517,"end":42.687,"text":"問一下有關於關稅談判對於金融的影響雖然說對等關稅川普的那個ART對等關稅已經被大法官宣布是違憲但是我看我們政府是講說之前談的有關於232的部分的條件都還要繼續232要繼續那當時的條件是說企業直接投資去美國2500億美金另外就是"},{"start":44.068,"end":50.734,"text":"政府的講法是說還有2500億的信用額度我想先確認一個資訊這個2500億美元的信用擔保額度是上限還是至少2500億美元"},{"start":61.085,"end":84.424,"text":"那個是他們談判據我所知因為這主政是國發會啦那我們只是配合去真的提供我們現在融資保證機制現有的融資保證機制的相關的工作方式所以這你不確定嘛 對不對沒有 這是因為國發會 你看國發會是說他要找金管會 經濟部 財政部一起來討論怎麼建立一個專案的信保機制所以理論上金管會應該要參與討論那國發會怎麼跟大家講的"},{"start":87.927,"end":115.127,"text":"到底這兩千五百億美元是上限還是至少兩千五百億的額度的額度對就是確定兩千五百億額度一定要達到嘛就是要提供這樣一個促進的基礎那所以換言之啊這兩千五百億美元應該是至少要兩千五百億美元啊它就不是上限因為上限的感覺是說我政府只要提供五百億也可以啊因為上限量我沒有超過上限就好一千億也可以啊都符合這個條件嘛"},{"start":115.567,"end":143.667,"text":"就是我們一個信保機制本來就有它的一個規模這個規模就是2500億可是這個主委我給你看一個這個是1月多當時簽MOU的時候美國商業部他們發的新聞稿它裡面有提到在直接投資就是至少2500億美金還有另外一個額外投資額外投資就是台灣要提供at least至少2500億美金的信用擔保"},{"start":144.81,"end":161.226,"text":"所以是2500億以上不是說要提供上限2500億所以我不太懂為什麼美國商業部發布的新聞資料有關於MOU的內容和台灣講的不一樣也有可能是美國錯啦我不知道啦但是這個資訊就不對嘛"},{"start":163.248,"end":178.895,"text":"那資訊不對但是你現在接收到的訊息是說應該就是2500億的規模不是說至少嘛但是我現在要講一件事情因為現在這個跟以前的中小企業的信用基金不太一樣嘛它現在是說由國發會"},{"start":181.018,"end":199.275,"text":"的專案召集大家然後要成立一個62.5美金到100億美金的這樣一個規模然後再加上乘數譬如說保證倍數是15到20倍等等等等希望能夠達到美國的要求但有沒有可能出現一個狀況"},{"start":200.646,"end":226.998,"text":"就是比如說體質比較良好的企業像台積電還有其他資中訊產業他們要去根本也不太需要信用擔保嘛因為他們本來自己就信用擔保就很好根本不用活花金金政府擔保甚至他可以直接發債也可以自己就直接就可以了嘛那有一些公司也許他沒有辦法提出擔保品然後可能銀行也不願意直接貸款給他他就比較需要用到這個信用擔保沒錯吧對那在這種情況之下"},{"start":228.539,"end":247.338,"text":"會來申請的可能就是風險比較高的企業然後本來如果沒有保證美國一定要到這個額度的話那銀行就可以看狀況政府可以看狀況我覺得有投資的潛力可能會賺錢我就給他沒有我就不給嘛大家可以再商言商但現在是美國要求一定要達到這個規模"},{"start":248.559,"end":273.367,"text":"我們就有壓力啊如果沒有到這個規模怎麼辦所以到時候一些企業看起來風險很高看起來也不會賺錢但我們因為已經承諾美國了所以呢拜託你來跟我貸款好不好我給你信用代保就拜託他就是變成要達到這個規模那這個就增加了很多政府的口罩機的風險還有這個因為這個也會你們也會邀請公股銀行跟民營的銀行來參加嘛"},{"start":274.867,"end":291.89,"text":"所以也會增加公共銀行跟民營銀行的風險所以有沒有可能會有這個狀況那金管會在這方面有沒有提出什麼因應之道就跟委員報告非常抱歉這個剛剛提到的都是我們沒辦法幫國發會跟您說明它的規劃的方向"},{"start":292.651,"end":322.011,"text":"不過你有沒有提出我剛剛講的這種風險因為這個是會對銀行產生影響嗎我們主要是提供我們過去在信保基金裡面的運作的方法以及對於這個信保的乘數這些的運作的模式提供一些專業的建議給他們那至於說政策的規劃包括關股的出資也是財政部在負責我想這部分是政府通力合作我們儘管會盡我們所做的事情剛剛委員問的問題我都沒辦法帶那個我會問你是因為你是管銀行的嗎"},{"start":322.651,"end":340.44,"text":"那如果你也覺得我剛剛講的那個風險有存在那難道不應該站在銀行的主管機關的立場參與這個會議的時候也可以提出這樣的意見嗎主動積極做事嘛而不是說他叫你幹嘛你就幹嘛嘛那當然我只是說剛才委員問的問題都不是我能夠代為回答的問題啦"},{"start":342.381,"end":344.785,"text":"我是希望你可以站在風險的考量提供一個建議跟解決之道啦"}],"gazette":[{"speaker":"葉委員元之","start":"2026-03-18T11:36:30.926000+08:00","guessed":false,"end":"2026-03-18T11:36:31.067000+08:00","text":"主席好。","quality":1},{"speaker":"葉委員元之","start":"2026-03-18T11:36:32.052000+08:00","guessed":false,"end":"2026-03-18T11:36:32.695000+08:00","text":"麻煩請金管會主委。","quality":0.75},{"speaker":"主席","start":"2026-03-18T11:36:33.338000+08:00","guessed":false,"end":"2026-03-18T11:36:34.263000+08:00","text":"請金管會彭主委。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T11:36:34.263000+08:00","guessed":true,"end":"2026-03-18T11:36:37.390000+08:00","text":"委員好。","quality":0},{"speaker":"葉委員元之","start":"2026-03-18T11:36:37.390000+08:00","guessed":true,"end":"2026-03-18T11:36:40.517000+08:00","text":"主委好。","quality":0},{"speaker":"葉委員元之","start":"2026-03-18T11:36:40.517000+08:00","guessed":false,"end":"2026-03-18T11:37:09.150000+08:00","text":"我想問一下有關關稅談判對金融的影響，雖然川普的對等關稅ART已經被大法官宣布違憲，但是我看政府說之前談的有關232部分的條件都要繼續，當時的條件是說企業直接投資美國2,500億美元，另外政府的講法是還有2,500億美元信用額度，對吧？","quality":0.88},{"speaker":"葉委員元之","start":"2026-03-18T11:37:09.330000+08:00","guessed":false,"end":"2026-03-18T11:37:13.334000+08:00","text":"我想先確認一個資訊，2,500億美元的信用擔保額度是上限？","quality":0.957},{"speaker":"葉委員元之","start":"2026-03-18T11:37:13.434000+08:00","guessed":false,"end":"2026-03-18T11:37:13.714000+08:00","text":"還是至少2,500億美元？","quality":0.875},{"speaker":"彭主任委員金隆","start":"2026-03-18T11:37:26.407000+08:00","guessed":false,"end":"2026-03-18T11:37:35.454000+08:00","text":"因為主政是國發會，我們只是配合去提供現有融資保證機制相關運作方式。","quality":0.935},{"speaker":"葉委員元之","start":"2026-03-18T11:37:35.515000+08:00","guessed":false,"end":"2026-03-18T11:37:35.955000+08:00","text":"所以你不確定？","quality":1},{"speaker":"葉委員元之","start":"2026-03-18T11:37:38.137000+08:00","guessed":false,"end":"2026-03-18T11:37:47.084000+08:00","text":"國發會說它要找金管會、經濟部、財政部一起來討論，怎麼建立一個專案的信保機制，所以理論上金管會有參與討論。有。","quality":0.938},{"speaker":"葉委員元之","start":"2026-03-18T11:37:47.124000+08:00","guessed":false,"end":"2026-03-18T11:37:47.404000+08:00","text":"國發會怎麼跟大家講的？","quality":1},{"speaker":"葉委員元之","start":"2026-03-18T11:37:51.407000+08:00","guessed":false,"end":"2026-03-18T11:37:53.109000+08:00","text":"這2,500億美元是上限？","quality":0.875},{"speaker":"葉委員元之","start":"2026-03-18T11:37:53.609000+08:00","guessed":false,"end":"2026-03-18T11:37:53.969000+08:00","text":"還是至少？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T11:37:55.170000+08:00","guessed":false,"end":"2026-03-18T11:37:59.353000+08:00","text":"2,500億美元的額度。","quality":0.571},{"speaker":"葉委員元之","start":"2026-03-18T11:37:59.453000+08:00","guessed":false,"end":"2026-03-18T11:37:59.914000+08:00","text":"一定要達到嗎？","quality":0.833},{"speaker":"彭主任委員金隆","start":"2026-03-18T11:38:01.295000+08:00","guessed":false,"end":"2026-03-18T11:38:03.196000+08:00","text":"要提供這樣一個促進的機制。","quality":0.833},{"speaker":"葉委員元之","start":"2026-03-18T11:38:04.117000+08:00","guessed":false,"end":"2026-03-18T11:38:18.107000+08:00","text":"換言之，這2,500億美元應該是至少，它就不是上限，因為上限的感覺是說政府提供500億元也可以，沒有超過上限就好，1,000億元也可以，符合這個條件嘛！","quality":0.931},{"speaker":"彭主任委員金隆","start":"2026-03-18T11:38:19.248000+08:00","guessed":false,"end":"2026-03-18T11:38:23.511000+08:00","text":"信保機制本來就有它的規模，這個規模就是2,500億美元。","quality":0.864},{"speaker":"葉委員元之","start":"2026-03-18T11:38:25.092000+08:00","guessed":false,"end":"2026-03-18T11:39:11.551000+08:00","text":"我給你看一下，這個是1月簽MOU的時候，美國商業部發的新聞稿，裡面有提到直接投資至少2,500億美元，另外還有一個額外投資，就是臺灣要提供至少2,500億美元的信用擔保，所以是2,500億美元以上，不是提供上限2,500億美元，我不太懂美國商業部發布的新聞資料有關於MOU的內容和臺灣講的不一樣，也有可能是美國錯，我不知道啦，但資訊就不對，但你現在接收到的訊息應該就是2,500億美元的規模，不是「至少」。","quality":0.904},{"speaker":"葉委員元之","start":"2026-03-18T11:39:14.032000+08:00","guessed":false,"end":"2026-03-18T11:39:40.113000+08:00","text":"我現在要講一件事情，因為這個跟之前的中小企業信保基金不太一樣，現在是由國發會的專案召集大家，然後要成立一個62.5億美元到100億美元規模，再加上成數，例如保證倍數是15到20倍等等，希望能夠達到美國的要求。","quality":0.92},{"speaker":"葉委員元之","start":"2026-03-18T11:39:41.674000+08:00","guessed":false,"end":"2026-03-18T11:39:55.271000+08:00","text":"有沒有可能出現一個狀況，例如體質比較良好的企業，像臺積電或其他資通訊產業，它們去也不太需要信用擔保，它們本來信用就很好，根本就不用國發基金、政府擔保。","quality":0.868},{"speaker":"彭主任委員金隆","start":"2026-03-18T11:39:55.451000+08:00","guessed":false,"end":"2026-03-18T11:39:56.732000+08:00","text":"它甚至可以直接發債。","quality":0.889},{"speaker":"葉委員元之","start":"2026-03-18T11:39:58.833000+08:00","guessed":false,"end":"2026-03-18T11:40:08.737000+08:00","text":"有一些公司也許沒辦法提出擔保品，可能銀行也不願意直接貸款給它，它就比較需要用到這個信用擔保，沒錯吧？對。","quality":0.957},{"speaker":"葉委員元之","start":"2026-03-18T11:40:09.357000+08:00","guessed":false,"end":"2026-03-18T11:40:26.975000+08:00","text":"在這種情況之下，會來申請的可能就是風險比較高的企業，如果沒有保證美國一定要到這個額度的話，銀行就可以看狀況、政府可以看狀況，我覺得有投資的潛力、可能會賺錢，我就給它，沒有就不給，大家可以在商言商。","quality":0.977},{"speaker":"葉委員元之","start":"2026-03-18T11:40:27.335000+08:00","guessed":false,"end":"2026-03-18T11:40:32.339000+08:00","text":"但現在是美國要求一定要達到這個規模，我們就有壓力啊！","quality":1},{"speaker":"葉委員元之","start":"2026-03-18T11:40:33.160000+08:00","guessed":false,"end":"2026-03-18T11:40:35.360000+08:00","text":"如果沒有到這個規模怎麼辦？","quality":1},{"speaker":"葉委員元之","start":"2026-03-18T11:40:35.540000+08:00","guessed":false,"end":"2026-03-18T11:41:02.593000+08:00","text":"到時候一些企業看起來風險很高、看起來也不會賺錢，但我們因為已經承諾美國了，所以拜託你來跟我貸款，我給你信用擔保，拜託它，要達到這個規模，這個就增加了很多國發基金的風險，因為你們也會邀請公股銀行和民營銀行參加，所以也會增加公股銀行和民營銀行的風險，有沒有可能會有這個狀況？","quality":0.927},{"speaker":"葉委員元之","start":"2026-03-18T11:41:03.114000+08:00","guessed":false,"end":"2026-03-18T11:41:06.839000+08:00","text":"金管會在這方面有沒有提出什麼因應之道？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T11:41:08.962000+08:00","guessed":false,"end":"2026-03-18T11:41:14.870000+08:00","text":"非常抱歉，剛剛提到的，我們沒辦法幫國發會跟你說明它的規劃方向，但是我們這邊……","quality":0.794},{"speaker":"葉委員元之","start":"2026-03-18T11:41:15.851000+08:00","guessed":false,"end":"2026-03-18T11:41:19.894000+08:00","text":"我是說你有沒提出我剛講的這種風險，因為這會產生影響。","quality":0.875},{"speaker":"彭主任委員金隆","start":"2026-03-18T11:41:19.894000+08:00","guessed":false,"end":"2026-03-18T11:41:38.546000+08:00","text":"我們主要是提供我們過去在信保基金運作的方法以及信保的成數、運作的模式，提供一些專業的建議給它們，至於政策的規劃，包括官股的出資也是財政部負責，這部分是政府通力合作，金管會盡力做我們該做的事。","quality":0.92},{"speaker":"彭主任委員金隆","start":"2026-03-18T11:41:38.987000+08:00","guessed":false,"end":"2026-03-18T11:41:40.408000+08:00","text":"剛剛委員所問的問題，我都沒有辦法代國發會回答。","quality":0.619},{"speaker":"葉委員元之","start":"2026-03-18T11:41:43.049000+08:00","guessed":false,"end":"2026-03-18T11:41:58.437000+08:00","text":"我會問你是因為你是管銀行的，如果你也覺得我剛講的風險存在，難道不應該站在銀行主管機關的立場，參與這個會議的時候也可以提出這樣的意見，主動積極做事，而不是它叫你幹嘛就幹嘛。","quality":0.987},{"speaker":"彭主任委員金隆","start":"2026-03-18T11:41:59.138000+08:00","guessed":false,"end":"2026-03-18T11:42:03.420000+08:00","text":"那當然，我只是說剛剛委員問的問題都不是我能夠代為回答的問題啦！","quality":0.966},{"speaker":"葉委員元之","start":"2026-03-18T11:42:05.381000+08:00","guessed":false,"end":"2026-03-18T11:42:06.303000+08:00","text":"我是希望你可以提出這樣的……","quality":0.583},{"speaker":"彭主任委員金隆","start":"2026-03-18T11:42:06.303000+08:00","guessed":true,"end":"2026-03-18T11:42:07.303000+08:00","text":"是，銀行的風險當然是我們的事情。","quality":0},{"speaker":"葉委員元之","start":"2026-03-18T11:42:06.503000+08:00","guessed":false,"end":"2026-03-18T11:42:07.605000+08:00","text":"我是希望你可以站在風險的考量，提供一些建議跟解決之道。","quality":0.68},{"speaker":"彭主任委員金隆","start":"2026-03-18T11:42:08.105000+08:00","guessed":true,"end":"2026-03-18T11:42:09.247857+08:00","text":"當然、當然。","quality":0},{"speaker":"葉委員元之","start":"2026-03-18T11:42:09.547857+08:00","guessed":true,"end":"2026-03-18T11:42:10.547857+08:00","text":"好，謝謝。","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-18T11:42:10.847857+08:00","guessed":true,"end":"2026-03-18T11:42:13.133571+08:00","text":"沒有問題，謝謝委員。","quality":0},{"speaker":"主席","start":"2026-03-18T11:42:13.433571+08:00","guessed":true,"end":"2026-03-18T11:42:14.433571+08:00","text":"好，謝謝。","quality":0},{"speaker":"主席","start":"2026-03-18T11:42:14.733571+08:00","guessed":true,"end":"2026-03-18T11:42:17.876429+08:00","text":"接下來請王世堅委員質詢。","quality":0}]}},"supported_relations":[],"relations":[]}