{"error":false,"id":["167827"],"data":{"IVOD_ID":167827,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/167827","日期":"2026-03-25","會議資料":{"會議代碼":"委員會-11-5-20-5","會議代碼:str":"第11屆第5會期財政委員會第5次全體委員會議","屆":11,"會期":5,"會次":5,"臨時會會次":null,"種類":"委員會","委員會代碼":[20],"委員會代碼:str":["財政委員會"],"標題":"第11屆第5會期財政委員會第5次全體委員會議"},"影片種類":"Clip","開始時間":"2026-03-25T09:13:30+08:00","結束時間":"2026-03-25T09:25:32+08:00","影片長度":"00:12:02","支援功能":["ai-transcript"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/755992caaad3baaef062e1bb1edd297e5b6789160e7ad0a4fd4d311afd6111d3303090bacd9a8aae5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"林德福","委員發言時間":"09:13:30 - 09:25:32","會議時間":"2026-03-25T09:00:00+08:00","會議名稱":"立法院第11屆第5會期財政委員會第5次全體委員會議（事由：邀請財政部莊部長翠雲率所屬機關首長暨國營事業董事長、總經理(含各轉投資事業機構公股代表之董、監事)列席業務報告，並備質詢。\n【3月25日及26日二天一次會】）","transcript":{"pyannote":[{"speaker":"SPEAKER_01","start":0.03096875,"end":2.0222187500000004},{"speaker":"SPEAKER_01","start":3.00096875,"end":7.574093750000001},{"speaker":"SPEAKER_01","start":7.87784375,"end":12.51846875},{"speaker":"SPEAKER_01","start":17.96909375,"end":18.35721875},{"speaker":"SPEAKER_00","start":18.35721875,"end":18.37409375},{"speaker":"SPEAKER_01","start":18.37409375,"end":18.57659375},{"speaker":"SPEAKER_01","start":19.133468750000002,"end":19.74096875},{"speaker":"SPEAKER_01","start":20.38221875,"end":20.83784375},{"speaker":"SPEAKER_01","start":20.972843750000003,"end":21.04034375},{"speaker":"SPEAKER_01","start":21.10784375,"end":39.41721875},{"speaker":"SPEAKER_01","start":39.77159375,"end":46.11659375},{"speaker":"SPEAKER_01","start":46.82534375,"end":83.10659375},{"speaker":"SPEAKER_01","start":83.74784375,"end":84.67596875000001},{"speaker":"SPEAKER_00","start":85.92471875000001,"end":94.90221875},{"speaker":"SPEAKER_00","start":94.98659375000001,"end":110.64659375000001},{"speaker":"SPEAKER_00","start":110.88284375,"end":121.64909375},{"speaker":"SPEAKER_00","start":121.88534375,"end":121.90221875},{"speaker":"SPEAKER_01","start":121.90221875,"end":124.29846875000001},{"speaker":"SPEAKER_00","start":124.56846875000001,"end":129.09096875},{"speaker":"SPEAKER_01","start":126.91409375,"end":127.42034375000001},{"speaker":"SPEAKER_01","start":129.05721875,"end":168.42659375000002},{"speaker":"SPEAKER_00","start":129.74909375000001,"end":130.15409375000002},{"speaker":"SPEAKER_01","start":168.78096875,"end":190.00971875000002},{"speaker":"SPEAKER_01","start":190.31346875,"end":194.65034375000002},{"speaker":"SPEAKER_00","start":195.52784375000002,"end":203.64471875},{"speaker":"SPEAKER_00","start":203.91471875000002,"end":210.05721875},{"speaker":"SPEAKER_00","start":210.34409375,"end":211.94721875000002},{"speaker":"SPEAKER_00","start":211.99784375000002,"end":255.92346875},{"speaker":"SPEAKER_01","start":248.59971875000002,"end":248.88659375},{"speaker":"SPEAKER_00","start":256.49721875,"end":261.74534375},{"speaker":"SPEAKER_00","start":261.84659375,"end":265.28909375},{"speaker":"SPEAKER_00","start":265.45784375,"end":266.38596875},{"speaker":"SPEAKER_01","start":266.50409375000004,"end":267.28034375000004},{"speaker":"SPEAKER_01","start":267.36471875,"end":286.36596875000004},{"speaker":"SPEAKER_01","start":286.95659375,"end":287.47971875},{"speaker":"SPEAKER_01","start":287.76659375,"end":327.20346875},{"speaker":"SPEAKER_01","start":327.47346875,"end":328.53659375},{"speaker":"SPEAKER_01","start":328.70534375,"end":344.48346875000004},{"speaker":"SPEAKER_01","start":344.65221875000003,"end":347.99346875000003},{"speaker":"SPEAKER_00","start":349.02284375000005,"end":355.30034375},{"speaker":"SPEAKER_00","start":355.72221875,"end":381.28784375000004},{"speaker":"SPEAKER_00","start":381.47346875000005,"end":452.63534375},{"speaker":"SPEAKER_01","start":443.87721875000005,"end":444.50159375000004},{"speaker":"SPEAKER_01","start":448.45034375,"end":448.65284375000005},{"speaker":"SPEAKER_01","start":449.10846875000004,"end":449.85096875000005},{"speaker":"SPEAKER_01","start":451.20096875,"end":451.74096875000004},{"speaker":"SPEAKER_01","start":452.90534375000004,"end":466.32096875},{"speaker":"SPEAKER_00","start":467.14784375000005,"end":480.74909375000004},{"speaker":"SPEAKER_01","start":480.63096875,"end":489.22034375000004},{"speaker":"SPEAKER_00","start":480.83346875,"end":480.90096875},{"speaker":"SPEAKER_01","start":489.77721875000003,"end":533.3484687499999},{"speaker":"SPEAKER_00","start":534.5634687500001,"end":572.8190937500001},{"speaker":"SPEAKER_01","start":568.3472187500001,"end":568.7859687499999},{"speaker":"SPEAKER_01","start":572.8190937500001,"end":624.10221875},{"speaker":"SPEAKER_01","start":624.50721875,"end":650.81534375},{"speaker":"SPEAKER_01","start":651.3215937500001,"end":667.8759687500001},{"speaker":"SPEAKER_01","start":668.38221875,"end":669.0234687500001},{"speaker":"SPEAKER_01","start":669.09096875,"end":669.90096875},{"speaker":"SPEAKER_00","start":670.81221875,"end":675.87471875},{"speaker":"SPEAKER_01","start":675.6553437500002,"end":683.55284375},{"speaker":"SPEAKER_00","start":676.9040937500001,"end":677.83221875},{"speaker":"SPEAKER_01","start":683.60346875,"end":683.6203437500001},{"speaker":"SPEAKER_00","start":683.6203437500001,"end":701.03534375},{"speaker":"SPEAKER_01","start":683.87346875,"end":684.86909375},{"speaker":"SPEAKER_01","start":687.0122187500001,"end":690.20159375},{"speaker":"SPEAKER_01","start":701.03534375,"end":712.98284375},{"speaker":"SPEAKER_00","start":701.3559687500001,"end":701.6428437500001},{"speaker":"SPEAKER_00","start":713.3203437500001,"end":714.1640937500001},{"speaker":"SPEAKER_01","start":714.3328437499999,"end":715.6828437500001},{"speaker":"SPEAKER_01","start":716.17221875,"end":720.96471875},{"speaker":"SPEAKER_01","start":721.40346875,"end":722.5678437500001}],"whisperx":[{"start":0.77,"end":10.688,"text":"謝謝主席莊部長還有議會各列席的董事長總經理各單位的代表是不是請莊部長請財政部莊部長"},{"start":18.021,"end":43.789,"text":"委員長部長您早部長因為根據財政部統計累計今年前2月證交稅以收入達到702億元較去年同期增加351億元顯示證交稅是整體稅收的重要支柱那現行的當沖證交稅減免"},{"start":46.877,"end":68.442,"text":"一直到2027年底截止市場關注當沖降稅是否延續金管會主委彭主委日前有接受質詢時表示股市若全部是長期投資市場流量效率將活力不足"},{"start":69.783,"end":84.461,"text":"為了維持交易動能以及促進整個這個證券市場穩定的發展我請問莊部長當中降稅前面是我會不會延長那何時可以做決定"},{"start":86.154,"end":93.897,"text":"跟委員報告當沖降稅是在從106年開始來實施那也經過了三次的延長當沖降稅的措施那在每一次屆期之前都會我們財政部和金管會都會來做充分的討論那麼基於就是說促進證券市場的長遠發展的需要還有減低證券市場的不確定性等等因素來做綜合考量"},{"start":110.982,"end":113.584,"text":"那這一次的當中降稅的實施期間到116年的12月底所以在屆期之前呢我們會和金管會再做充分的討論再來做後續的決定那你差不多屆期前多久"},{"start":124.622,"end":150.395,"text":"那因為到明年底嘛所以應該會在明年的下半年下半年好謝謝那個我再請問因為台股跟美股有高度的聯動關係那目前整個台股散戶人數創新高啊來到583萬人那一旦股市行情急轉直下眾多散戶恐怕會套牢在高點"},{"start":151.596,"end":161.266,"text":"那屆時整個股市交易若極速的冷卻對於證交稅收勢必產生重大的影響進而影響到116年度總預算的這個稅務計算"},{"start":167.873,"end":189.689,"text":"那這個最近中東戰火影響本席要提醒這個財政部莊部長要做好準備面對隨時可能發生的黑天鵝外界關注國安基金修法將可動用資金的上限提高到一兆元請問那個莊部長立場還是審慎評估嗎會不會"},{"start":195.595,"end":201.539,"text":"原報告對於股市的一個動向那台灣的股市深受這個美股的影響以及國際政經情勢的一個變化"},{"start":203.956,"end":223.593,"text":"那尤其像這個中東戰事的一個發生以後其實我們和金管會還有行政院都密切關注股市的一個情況那麼也有做一些相關的應對的措施準備所以國安基金會密切的關注股市的變化如果有符合國安基金管理條例第八條的一個條件的話我們也可以隨時召開臨時會議來決定是否要"},{"start":226.875,"end":255.395,"text":"授權來做相關的一個維護資本市場穩定的一個方法那至於目前來說對於證交稅的部分我們知道台灣的股票市值已經超過百兆元那當然是然後成交量一月份的日均量大概是9100億二月份也是到9800億元那所以它的成交量其實相當的算是比以前都來得高那至於未來就是說國安基金的一個"},{"start":256.876,"end":261.484,"text":"規模是要到多大 目前來說我們財委會已經經過詢答 剩下就是"},{"start":262.274,"end":282.884,"text":"後續的要做處理那我們尊重大院的一個處理安排因為高處不勝寒當然你要是說尤其現在中東的整個戰爭變化隨時都會產生很嚴重的一個影響所以說這個部分我認為財政部一定要審慎去應對"},{"start":287.011,"end":316.033,"text":"部長青年基本法今年一月公布實施那政府應訂定青年居住政策來提升這些青年之居住品質落實青年居住的正義並由住宅主管機關來負責青年購屋協助的規劃推動當初新青安貸款政策上路後引發投機的亂象"},{"start":317.715,"end":323.479,"text":"那為避免整個資源被濫用政府研議啊新青安2.0版據傳將限縮申請條件和方案這個據傳說有80條款"},{"start":332.806,"end":347.299,"text":"申請人年齡和借款年限的條件若想要申請40年期的方案申請者的年齡需在40歲以下財政部你們到底有沒有這樣的一個規劃"},{"start":349.53,"end":374.347,"text":"謝謝委員我想新清安這個在112年8月推出以後我們是以本人配偶以及未成年子女沒有房子的為對象那到執行到今年的1月底我們已經合帶了15萬戶金額大概有1兆1千億元那這個部分是協助我們沒有自由住宅的青年朋友們能夠取得第一間房子"},{"start":374.907,"end":379.749,"text":"那在過程當中當然有些採取有一些人用投機的行為那所以在過程當中我們也做精進以及滾動的檢討首先第一個就是限於一生只能帶一次的新親安為什麼呢因為避免有買進賣出賺差價所以這個只能一生一次"},{"start":392.214,"end":397.941,"text":"那第二個部分我們對於有發生就是買了以後不做自住出租或用貿易人頭來買的這個情況也加強查核那目前來說也已經追回了相關的利息補貼超過了兩億元"},{"start":407.331,"end":431.398,"text":"這個部分是用國家的資源來協助朋友們去買房子做利息補貼但是不能去做不合原來意義的用途所以這個在執行過程當中我們持續在檢討經濟那至於新西安到今年七月底就屆期了後續要怎麼做那財政部呢也在根據相關的房市的需房地市場以及金融市場還有青年朋友們的需求"},{"start":431.978,"end":435.439,"text":"以及資金成本等等各項因素來考量我們有兩次邀請相關的部會來討論聽取意見那麼我們會研擬方案會報請行政院核定後再來做更多又會做說明那所以剛剛委員您提到據傳那都是據傳所以目前來說並沒有定案"},{"start":452.964,"end":466.086,"text":"那個本市是希望說青青安2.0政策上路前至少要提早兩個月讓民眾知道以利民眾研究準備申請的資料這個部長你有沒有什麼看法"},{"start":467.193,"end":488.681,"text":"像委員您說的很清楚我們當然也希望在屆期之前能夠把方案定下來然後跟社會大眾來做說明那讓整個大家能夠有一個知道的未來的方向這個是我們目前正努力在做的我也希望一定要提早兩個月讓大家知道說你要有哪些條件才能夠符合那個"},{"start":490.521,"end":503.51,"text":"因為根據最新國債中今年的3月資料中央政府債務合計差不多有6兆2979億元平均每個人的負擔是27.1萬叫10年前國債中增加了8292億平均每個人的負債增加3.9萬"},{"start":516.238,"end":527.71,"text":"那財政為恕政之母那我請問部長如果此次軍購特別條例預算依照行政院版通過8年1.25兆這整個軍購是否需要舉債來因應"},{"start":535.283,"end":551.474,"text":"你剛剛提到國債中那三月資料是27.1萬那每一年的一到三月尤其是第一季的時候都是資金需求大比如說在發相關的獎金那另外呢大額的稅款沒有能夠進來大額稅款大多在五月六月會進來所以呢國債中會比較高而且國債中裡面的債務呢"},{"start":555.197,"end":558.201,"text":"是包含長期債務跟短期債務一起算在內那事實上它會隨著時間而有不同那也跟委員報告事實上我們目前實際上的債務是5兆9並沒有到6兆8那麼高那我們對債務的控管一直會按照公債法跟財政紀律法來鞏固"},{"start":572.961,"end":584.287,"text":"因為民眾擔心的就是說你高額的軍購預算對整個社會教育以及基礎建設有排擠的效應那對於這個國債中當然一定有影響會衝擊嘛因為你"},{"start":589.589,"end":605.565,"text":"這個有變那麼多預算一定衝擊到其他的預算所以說真的要好好的因應處理那個部長有公股基層銀行行員跟本席反映因為高層要求基層的行員拉保險充業機"},{"start":607.607,"end":623.259,"text":"那雖然銀行大賺手續收入但卻讓第一線的整個理財專員壓力增大長久下來恐怕會讓保險公司不像保險公司銀行也不像銀行因為根據金管會資料的統計"},{"start":625.441,"end":650.273,"text":"112年到113年八大公股行庫遭到客戶申訴銀行通路有不當的招攬保險行為一共有117件本席跟金管會反映過此事本席也希望財政部要督導公股行庫本席也拜託各位董事長跟總經理高層設定的目標"},{"start":652.041,"end":669.697,"text":"不要讓整個基層里專人員破於業績的壓力 鋌而走險以不當的話術來誘使民眾來購買這些不熟悉的保險商品以免未來發生一些投資上的糾紛部長 有什麼看法"},{"start":670.922,"end":694.319,"text":"我想委員的指教我們各公股行庫的董總們也都在現場不要本末倒置啦因為你的行業是銀行結果你變成保險業那有一點好像不倫不類欸你有沒有覺得我想不只公股銀行我想民營銀行對啊很多啊你問問這些公股銀行都可以有多角化的方式的多元的方式來獲利我想這個部分用什麼樣的適當的方式來跟"},{"start":696.48,"end":722.252,"text":"客戶朋友們介紹有關保險的產品也許在方法上應該有所精準對啦我是認為財政部你們要去要求規範因為我時間到了我們不希望本業不從事本業然後你做其他的行業做了有一點不能不累啦真的謝謝謝謝委員謝謝林德夫委員請問在場的委員對於商事會議的意思路有沒有意義沒有意義喔"}]}},"supported_relations":[],"relations":[]}