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件數呢 不少喔截至到目前為止呢 得到說有1.136件呢他收為了2.3億元 則是利息補貼讓人不僅懷疑說呢這個政策到底是在圖利投資客呢或者是可能有件商 還是在幫助年輕人那因此再詢問說是不是為後來的這些其餘的14萬物能保證都符合資格呢"},{"start":67.301,"end":74.008,"text":"那這些部分是不是應該再去加速來查核 尤其是新的2.0可能在8月之後要上路 請部長回應"},{"start":76.598,"end":99.837,"text":"好 謝謝委員新清安他當時的一個政策目的就是協助本人配偶以及未成年子女都沒有房置住房屋的人去購買他第一間房子那因此呢他的對象就是這些人那這個過程當中呢因為央行的升息所以給予相關的利息補貼來減輕他們購屋的負擔查核查核好 跟委員報告在執行過程當中呢"},{"start":106.002,"end":119.997,"text":"我們也都去滾動的檢討比如說您剛剛提到就是說他有這個出租啦買來不自己住出租或者是說有冒用人頭來買的我們的公股銀行都非常努力而且透過政府相關資訊的一個聯繫去做查核持續在做查核"},{"start":127.365,"end":135.988,"text":"持續再做查核對 只要能夠發現有這種情況就會做相關的處理第一個 追收所謂例行不疊第二個 他的貸款條件也必須要重新調整好 我們要繼續往下看因為你現在沒有辦法去承諾他保證說14萬戶應該還是會有問題嘛"},{"start":147.071,"end":158.994,"text":"我們持續在做 不是用保證來保證的是要我們持續的去檢核 也告訴這些成構的人不要去違反規定那這樣子我們現在問的 因為你發現說既有問題嘛那請問一下 財政部現在發生的這些問題就是 您再說一下你說你新青安既有問題才能改革2.0版嘛 對不對那這既有的問題 您在"},{"start":171.328,"end":191.164,"text":"說一遍我跟委員報告目前來說因為我們新青安貸款第一個就是說在年齡上其實是40歲以下佔73%50歲以下佔50%那大家就社會各界有意見認為說那年齡上要不要做限制第二個就是貸款的期限目前新青安最高是40年"},{"start":192.245,"end":197.57,"text":"那雖然實務上執行大概是20年以下的是5%那21年到30年大概占了35%那31年到40年大概占59%那在核代的年限要不要做調整還有寬限期呢雖然1到3年占了25%然後占5年的25%這個部分寬限期最長5年要不要做調整社會各界都有意見"},{"start":218.747,"end":224.112,"text":"所以這一次我們對於新的借期以後7月30要借期以後後續要怎麼做我們會根據所謂的房地產市場的一個需求以及民眾的需求還有一個金融市場還有資金成本等等在做綜合考量"},{"start":237.262,"end":242.185,"text":"那我們也邀請了相關部會來開會聽取他們的意見我們會擬定相關的方案報請行政院來做核定那你這個進度是不是在那預計是不是大概可能六月份大概就可以出來了在七月底屆期之前我們一定會把新的方向跟社會大眾說明"},{"start":258.916,"end":270.709,"text":"好 那謝謝你 因為你之前剛才已經講到有些的包括它的方向還有說實行的期程等等還有這樣的年紀這邊我覺得這事實上有一個具體的方向 那就好當然請記住 親親愛愛要照顧到年輕人的居住正義的問題好 那就去下一個問題看到了我們看到呢 在"},{"start":278.126,"end":287.031,"text":"青年的這部分再來看到的是他們對於有些的青年的金融文盲的問題是非常嚴重我們看到是說去年的一線報告呈現出來說有超過五成的青少年12到18歲他不太了解金融的服務業是什麼樣的內容所以是一種算是金融文盲那23%他們曾經表示說過去在一年當中是被遇到的詐騙這樣的狀況"},{"start":303.399,"end":306.161,"text":"那教育部他們108年課綱當中已經把這個理財的這個教育呢裡面也放入了那全台有65%的中學把金融素養列為校的課程來進行那我在想說財政部隊有沒有在提升的這個以透過公股營養因為它散佈在各地嘛這樣來加速他們就是對於提升青少年的金融素養這邊有沒有一些規劃"},{"start":329.712,"end":355.449,"text":"跟委員報告金管會他也非常重視這一塊他是為了要推動金融知識的普及所以他訂了一個三年計劃那個計劃就叫做金融知識普及及工作第七期的推動計劃是從113年到115年我們的公股行庫當時當然是要遵照以及配合金管會的工作計劃在推動把有關的金融教育走入校園還有社區來辦理金融知識的宣導"},{"start":359.552,"end":375.223,"text":"這個是我們在執行上重點在推動的好所以就是有在進行了有在進行我們會按照金管會的計畫來做推動是好 希望看到有後續的成果那我們繼續往下看的一個議題就是一個新聞當中出現到的是"},{"start":375.963,"end":389.775,"text":"因為金管會同樣也是在呼應說淨零碳排這個趨勢嘛那鼓勵銀行做綠色金融的行動那先行業者他已經組成了永續金融先行者聯盟在今年呢已經有了六家那其中呢六家裡面呢兩家是"},{"start":392.577,"end":401.267,"text":"公股銀行包括是第一金跟趙鳳晉那我想請第一金的邱董事長跟趙鳳晉的董事長上台那來詢問一下這部分你們到底做了些什麼樣的第一銀行邱董事長 趙鳳晉董事長時間就暫停一下他們現在還沒到嗎"},{"start":416.263,"end":435.609,"text":"那請問一下邱董事長關於你們在綠色金融行政聯盟當中所做的有些哪些特別是在我想要問的是在ESG的一個受信的標準上面你們標準是什麼還包括的是大概這個受信的數目是大概按鍵有多少鍵按在比例是多少"},{"start":439.592,"end":466.126,"text":"謝謝委員的詮詢那有關那個ESG的一個受信的標準當然是說受信的對象還有他的產業內容如果是屬於高污染的部分我們有一個限額的或者是有一些是拒絕乘坐的受信案件譬如說是燒煤的或者是對於社會觀感像博弈業的你們應該有一些比較具體的ESG標準出來才對那部分是不是之後能夠再給我"},{"start":466.926,"end":470.931,"text":"我們一定是按照國際的標準啦譬如說像燃煤電廠的話那個如果他需要資金我們就不做燃煤電廠了就其他的電廠的資金我們供因為如果他要貸款的話"},{"start":488.523,"end":517.427,"text":"當然還有非常多的這個項目的好 那這個赤道原則也在裡面嘛 對不對對好 那我現在重要的問題是在於因為我們現在看到的是審計部的在113年的決算報告當中有提出你看國營金融企業的機構這部分它有配合在政府在做永續的部分但是在貸款案件就成做廣泛的人貸提升尤其是它在審計部的報告當中特別還指出來說目前在公股銀行並沒有一套"},{"start":518.047,"end":526.998,"text":"自己的就是沒有一套的這樣子的ESG的受信的這個標準讓全部來去推動這樣的趨勢那我想要請問的是莊部長這部分有沒有因為它審計部做出來的這樣的一個意見那有沒有提出說"},{"start":536.289,"end":544.197,"text":"如何的是財政部要針對公股銀行去深化ESG的實踐力這邊部分有些措施還包括說未來的部分呢有沒有想要說要把共同的ESG授信標準把它提出來跟委員報告我想永續經營是全球的共識所以財政部也非常重視所以從110年開始我們已經有所謂的ESG倡議平台"},{"start":559.791,"end":574.234,"text":"由第一金控來做這個共同邀同各所我們的公股銀行來共同推動那從有三階段分三階段的一個推動進行那目前已經進行到第三階段那是從115年到117年為止那我們包含了投融資的綠色永續相關產業的年度目標要成長以及在商品的審查流程當中要納入企業自主減量的計畫等等"},{"start":586.676,"end":590.958,"text":"這份報告是不是有公告出來了?這個部分當然我們每一階段已經每一個階段都有成果出來也都定有KPI那第三階段也已經開始在進行那是不是可以送到本辦來我們想可以把實行的成果可以提供給您辦公室我們現在也知道在這個"},{"start":609.648,"end":627.281,"text":"永續金融先行者聯盟當中目前只有兩家加入可是所有的公股銀行有八家嘛那請問一下其他的六家銀行是不是也未來在一兩年能夠加入到這個機會加入到這邊不曉得你能不能回應一下因為你是這個主管機關這個是金管會是不是 是金管會主導所以是金管會那你沒辦法出資"},{"start":629.114,"end":655.603,"text":"報告委員 因為其實每一家銀行我們都有的永續報告書啦我們這個如果委員有需要的話我們可以提供給委員來參考好 我們像是配合了清管會在跟財政部一起來做讓我們永續是自己關股先行好嗎好 謝謝好 謝謝劉委員謝謝委員向委員報告第八位林思敏委員質詢完畢之後休息五分鐘現在請林思敏委員質詢"}],"gazette":[{"speaker":"劉委員書彬","start":"2026-03-25T10:25:43.533000+08:00","guessed":false,"end":"2026-03-25T10:25:44.436000+08:00","text":"有請莊部長。","quality":1},{"speaker":"主席","start":"2026-03-25T10:25:44.436000+08:00","guessed":false,"end":"2026-03-25T10:25:44.677000+08:00","text":"請財政部莊部長。","quality":1},{"speaker":"莊部長翠雲","start":"2026-03-25T10:25:53.257000+08:00","guessed":false,"end":"2026-03-25T10:25:53.517000+08:00","text":"委員好。","quality":1},{"speaker":"劉委員書彬","start":"2026-03-25T10:25:54.337000+08:00","guessed":false,"end":"2026-03-25T10:25:54.617000+08:00","text":"部長好。","quality":1},{"speaker":"劉委員書彬","start":"2026-03-25T10:25:56.118000+08:00","guessed":false,"end":"2026-03-25T10:26:06.280000+08:00","text":"台灣民眾黨非常關心年輕人的居住正義問題，政府推出新青安政策兩年多來，截至今年2月底，累積核貸15.5萬戶，金額也達到1.2兆元，申請是相當的踴躍。","quality":0.885},{"speaker":"劉委員書彬","start":"2026-03-25T10:26:06.300000+08:00","guessed":false,"end":"2026-03-25T10:26:20.844000+08:00","text":"但是我昨天閱讀業務報告之後，發現新青安貸款的違規件數不少，截至目前為止已追回1萬136件，收回2.3億元的利息補貼，這讓人不僅懷疑，這個政策到底是在圖利投資客或者是建商，還是在幫助年輕人？","quality":0.877},{"speaker":"劉委員書彬","start":"2026-03-25T10:26:20.884000+08:00","guessed":false,"end":"2026-03-25T10:26:21.524000+08:00","text":"因此想詢問，其餘的14萬戶是否能保證都符合資格呢？","quality":0.81},{"speaker":"劉委員書彬","start":"2026-03-25T10:26:47.882000+08:00","guessed":false,"end":"2026-03-25T10:26:49.964000+08:00","text":"這些部分是不是應該再加速查核？","quality":1},{"speaker":"劉委員書彬","start":"2026-03-25T10:26:50.204000+08:00","guessed":false,"end":"2026-03-25T10:26:53.147000+08:00","text":"尤其是新的2.0版可能8月之後就要上路了。","quality":0.824},{"speaker":"劉委員書彬","start":"2026-03-25T10:26:53.867000+08:00","guessed":false,"end":"2026-03-25T10:26:54.008000+08:00","text":"請部長回應。","quality":1},{"speaker":"莊部長翠雲","start":"2026-03-25T10:26:57.178000+08:00","guessed":false,"end":"2026-03-25T10:27:19.157000+08:00","text":"謝謝委員，新青安當時的政策目的就是協助本人、配偶以及未成年子女都沒有自住房屋的人去購買他的第一間房子，因此他的對象就是這些人，這個過程當中，因為央行的升息，所以給予相關的利息補貼，來減輕他們購屋的負擔……","quality":0.968},{"speaker":"劉委員書彬","start":"2026-03-25T10:27:19.157000+08:00","guessed":false,"end":"2026-03-25T10:27:19.297000+08:00","text":"查核、查核！","quality":1},{"speaker":"莊部長翠雲","start":"2026-03-25T10:27:19.317000+08:00","guessed":false,"end":"2026-03-25T10:27:39.557000+08:00","text":"好，跟委員報告，在執行過程當中，我們也都去滾動檢討，比如說，您剛剛提到他買來不自己住，拿去出租或者冒用人頭來買的，我們的公股銀行都非常努力，而且透過政府相關資訊的聯繫去做查核，所以……","quality":0.951},{"speaker":"劉委員書彬","start":"2026-03-25T10:27:39.557000+08:00","guessed":true,"end":"2026-03-25T10:27:40.557000+08:00","text":"14萬戶都能夠確定沒有問題嗎？","quality":0},{"speaker":"莊部長翠雲","start":"2026-03-25T10:27:39.637000+08:00","guessed":false,"end":"2026-03-25T10:27:54.627000+08:00","text":"持續在做查核，只要發現有這種情況，就會做相關的處理：第一個，追收利息補貼；第二個，他的貸款條件也必須要重新調整，我們會繼續做。","quality":0.818},{"speaker":"劉委員書彬","start":"2026-03-25T10:27:54.647000+08:00","guessed":false,"end":"2026-03-25T10:27:55.968000+08:00","text":"好，我們就繼續往下看，因為你現在沒有辦法去承諾保證，表示這14萬戶應該還是會有問題嘛，對不對？","quality":0.825},{"speaker":"莊部長翠雲","start":"2026-03-25T10:28:07.071000+08:00","guessed":false,"end":"2026-03-25T10:28:14.673000+08:00","text":"我們持續在做，不是用保證來保證的，是要我們持續的去檢核，也告訴這些承購的人不要去違反規定。","quality":0.951},{"speaker":"劉委員書彬","start":"2026-03-25T10:28:15.153000+08:00","guessed":false,"end":"2026-03-25T10:28:16.773000+08:00","text":"好，我們現在因為發現既有問題，有關財政部發現的這些問題，你再說一下。什麼？","quality":0.781},{"speaker":"劉委員書彬","start":"2026-03-25T10:28:16.953000+08:00","guessed":false,"end":"2026-03-25T10:28:18.914000+08:00","text":"你說看到新青安既有問題，才決定改革成2.0版嘛，有哪些既有問題？","quality":0.704},{"speaker":"劉委員書彬","start":"2026-03-25T10:28:18.914000+08:00","guessed":false,"end":"2026-03-25T10:28:31.408000+08:00","text":"您再說一遍。","quality":0.8},{"speaker":"莊部長翠雲：跟委員報告，目前來說，新青安貸款方面","start":"2026-03-25T10:28:36.732000+08:00","guessed":false,"end":"2026-03-25T10:28:47.361000+08:00","text":"第一個，年齡40歲以下占73%，50歲以下占50%，社會各界有意見，認為年齡上要不要做限制。","quality":0.939},{"speaker":"莊部長翠雲：跟委員報告，目前來說，新青安貸款方面","start":"2026-03-25T10:28:47.541000+08:00","guessed":false,"end":"2026-03-25T10:28:55.808000+08:00","text":"第二個是貸款期限，目前新青安最高是40年，雖然實務上執行大概20年以下的是5%，21年到30年大概占了35%、31年到40年大概占59%，這樣核貸的年限要不要做調整？","quality":0.95},{"speaker":"莊部長翠雲：跟委員報告，目前來說，新青安貸款方面","start":"2026-03-25T10:28:55.848000+08:00","guessed":false,"end":"2026-03-25T10:28:57.570000+08:00","text":"還有寬限期，1到3年的占了25%、5年的占25%，對於寬限期最長5年的部分要不要做調整，社會各界都有意見。","quality":0.825},{"speaker":"莊部長翠雲：跟委員報告，目前來說，新青安貸款方面","start":"2026-03-25T10:29:18.747000+08:00","guessed":false,"end":"2026-03-25T10:29:24.092000+08:00","text":"所以這一次我們對於7月31日屆期以後，後續要怎麼做，我們會根據房地產市場的需求、民眾的需求、金融市場以及資金成本等等再做綜合考量。","quality":0.912},{"speaker":"莊部長翠雲：跟委員報告，目前來說，新青安貸款方面","start":"2026-03-25T10:29:37.362000+08:00","guessed":false,"end":"2026-03-25T10:29:38.563000+08:00","text":"我們也邀請了相關部會來開會，聽取他們的意見，我們會擬定相關的方案，報請行政院來核定，核定以後，我們會跟社會各界說明。","quality":0.731},{"speaker":"劉委員書彬","start":"2026-03-25T10:29:38.903000+08:00","guessed":false,"end":"2026-03-25T10:29:39.984000+08:00","text":"是不是大概6月份就可以出來了？","quality":1},{"speaker":"莊部長翠雲","start":"2026-03-25T10:29:40.124000+08:00","guessed":false,"end":"2026-03-25T10:29:42.165000+08:00","text":"跟委員報告，在7月底屆期之前，我們一定會把新的方向跟社會大眾說明。","quality":0.828},{"speaker":"劉委員書彬","start":"2026-03-25T10:29:58.916000+08:00","guessed":false,"end":"2026-03-25T10:30:09.468000+08:00","text":"好，謝謝你，因為你剛才已經講到包括方向、施行期程以及年紀等等，已經有個具體的方向，當然請記住，新青年要照顧到年輕人居住正義的問題。","quality":0.828},{"speaker":"劉委員書彬","start":"2026-03-25T10:30:10.068000+08:00","guessed":false,"end":"2026-03-25T10:30:27.031000+08:00","text":"繼續下一個問題，我們看到青年的金融文盲問題非常嚴重，去年的一份報告呈現出來，有超過五成的青少年（12到18歲）不太了解金融服務業是什麼樣內容，所以算是一種金融文盲；其中23%的人表示，過去一年當中曾經有遇到被詐騙的狀況。","quality":0.874},{"speaker":"劉委員書彬","start":"2026-03-25T10:30:43.419000+08:00","guessed":false,"end":"2026-03-25T10:30:44.340000+08:00","text":"教育部108課綱當中，已經把理財教育放入了，全臺有65%的中學也把金融素養列為校本課程。","quality":0.944},{"speaker":"劉委員書彬","start":"2026-03-25T10:30:44.460000+08:00","guessed":false,"end":"2026-03-25T10:30:46.161000+08:00","text":"我在想財政部能否透過公股銀行，因為他們散布在各地，在提升青少年的金融素養這一塊，你們有沒有一些規劃？","quality":0.739},{"speaker":"莊部長翠雲","start":"2026-03-25T10:31:09.712000+08:00","guessed":false,"end":"2026-03-25T10:31:41.554000+08:00","text":"跟委員報告，金管會也非常重視這一塊，為了推動金融知識的普及訂了一個三年計畫，那個計畫叫做金融知識普及工作第七期推動計畫，是從113年到115年，我們的公股行庫當然是要遵照以及配合金管會的工作計畫來推動，讓金融教育走入校園及社區，來辦理金融知識的宣導，這個是我們在執行上重點在推動的。","quality":0.944},{"speaker":"劉委員書彬","start":"2026-03-25T10:31:41.874000+08:00","guessed":false,"end":"2026-03-25T10:31:43.035000+08:00","text":"好，所以就是有在進行了？","quality":1},{"speaker":"莊部長翠雲","start":"2026-03-25T10:31:43.175000+08:00","guessed":false,"end":"2026-03-25T10:31:46.117000+08:00","text":"有在進行，我們會按照金管會的計畫來推動。","quality":1},{"speaker":"劉委員書彬","start":"2026-03-25T10:31:46.457000+08:00","guessed":false,"end":"2026-03-25T10:31:48.538000+08:00","text":"好，希望能看到後續的成果。","quality":0.909},{"speaker":"劉委員書彬","start":"2026-03-25T10:31:49.219000+08:00","guessed":false,"end":"2026-03-25T10:32:13.899000+08:00","text":"我們繼續往下看這個議題，新聞當中出現……因為金管會也同樣在呼應淨零碳排的趨勢，鼓勵銀行投入綠色金融行動，先行業者已組成永續金融先行者聯盟，今年已有6家加入，其中2家是公股銀行，包括第一金與兆豐金。","quality":0.874},{"speaker":"劉委員書彬","start":"2026-03-25T10:32:14.499000+08:00","guessed":false,"end":"2026-03-25T10:32:19.565000+08:00","text":"我想請第一金的邱董事長與兆豐金的董董事長上臺，詢問一下你們在這部分到底做了什麼樣的……","quality":0.8},{"speaker":"主席","start":"2026-03-25T10:32:19.665000+08:00","guessed":false,"end":"2026-03-25T10:32:20.766000+08:00","text":"請第一銀行邱董事長、兆豐金控董董事長。","quality":0.647},{"speaker":"劉委員書彬","start":"2026-03-25T10:32:20.766000+08:00","guessed":false,"end":"2026-03-25T10:32:21.247000+08:00","text":"時間暫停一下，他們現在還沒到嘛！","quality":0.929},{"speaker":"劉委員書彬","start":"2026-03-25T10:32:36.963000+08:00","guessed":false,"end":"2026-03-25T10:32:50.407000+08:00","text":"詢問一下邱董事長，你們在綠色金融行動聯盟當中做了哪些事，特別是在ESG授信標準上，你們的標準是什麼？","quality":0.87},{"speaker":"劉委員書彬","start":"2026-03-25T10:32:52.228000+08:00","guessed":false,"end":"2026-03-25T10:32:54.248000+08:00","text":"授信案件的數目大概有多少件？","quality":0.692},{"speaker":"劉委員書彬","start":"2026-03-25T10:32:55.109000+08:00","guessed":false,"end":"2026-03-25T10:32:55.589000+08:00","text":"比例是多少？","quality":1},{"speaker":"邱董事長月琴","start":"2026-03-25T10:32:59.592000+08:00","guessed":false,"end":"2026-03-25T10:33:00.853000+08:00","text":"謝謝委員垂詢。","quality":0.833},{"speaker":"邱董事長月琴","start":"2026-03-25T10:33:01.013000+08:00","guessed":false,"end":"2026-03-25T10:33:20.863000+08:00","text":"有關ESG授信標準，授信對象及產業內容如果屬於高污染，我們有限額或者有一些是拒絕承作的授信案件，例如燒煤或是涉及社會觀感的博弈業……","quality":0.836},{"speaker":"劉委員書彬","start":"2026-03-25T10:33:21.083000+08:00","guessed":false,"end":"2026-03-25T10:33:23.844000+08:00","text":"你們有一些更具體的ESG標準出來才對！","quality":0.944},{"speaker":"邱董事長月琴","start":"2026-03-25T10:33:23.844000+08:00","guessed":true,"end":"2026-03-25T10:33:24.905000+08:00","text":"有，有一個就是……","quality":0},{"speaker":"劉委員書彬","start":"2026-03-25T10:33:24.905000+08:00","guessed":false,"end":"2026-03-25T10:33:26.026000+08:00","text":"這部分是不是之後能夠提供給我？","quality":0.643},{"speaker":"邱董事長月琴","start":"2026-03-25T10:33:26.026000+08:00","guessed":true,"end":"2026-03-25T10:33:27.026000+08:00","text":"好，再給委員書面。","quality":0.286},{"speaker":"劉委員書彬","start":"2026-03-25T10:33:27.026000+08:00","guessed":true,"end":"2026-03-25T10:33:28.026000+08:00","text":"請問董董事長同樣的問題，兆豐金甚至設有永續長，對不對？","quality":0},{"speaker":"劉委員書彬","start":"2026-03-25T10:33:28.026000+08:00","guessed":true,"end":"2026-03-25T10:33:29.026000+08:00","text":"請問你們ESG的標準是什麼？","quality":0},{"speaker":"劉委員書彬","start":"2026-03-25T10:33:29.026000+08:00","guessed":true,"end":"2026-03-25T10:33:30.026000+08:00","text":"有沒有跟國際接軌？","quality":0},{"speaker":"董董事長瑞斌","start":"2026-03-25T10:33:26.926000+08:00","guessed":false,"end":"2026-03-25T10:33:50.905000+08:00","text":"我們一定是按照國際標準，譬如燃煤電廠如果需要資金，我們就不做；但其他電廠的資金，我們會供應，如果它要貸款的話，當然還有非常多、非常多的項目。","quality":0.887},{"speaker":"劉委員書彬","start":"2026-03-25T10:33:52.106000+08:00","guessed":false,"end":"2026-03-25T10:33:54.608000+08:00","text":"赤道原則也在裡面，對不對？對。","quality":1},{"speaker":"劉委員書彬","start":"2026-03-25T10:33:54.908000+08:00","guessed":false,"end":"2026-03-25T10:34:11.802000+08:00","text":"我現在有一個重要的問題在於，審計部在113年的決算報告當中指出，國營金融機構雖配合政府推動永續，但貸款案件的承作廣泛度仍待提升。","quality":0.772},{"speaker":"劉委員書彬","start":"2026-03-25T10:34:13.764000+08:00","guessed":false,"end":"2026-03-25T10:34:23.514000+08:00","text":"審計部的報告還特別指出，目前公股銀行並沒有一套自己的ESG授信標準，導致整體推動趨勢受限。","quality":0.762},{"speaker":"劉委員書彬","start":"2026-03-25T10:34:23.514000+08:00","guessed":false,"end":"2026-03-25T10:34:39.672000+08:00","text":"請問莊部長，對於審計部提出這樣的意見，財政部有沒有要求公股銀行深化ESG的實踐率？","quality":0.526},{"speaker":"劉委員書彬","start":"2026-03-25T10:34:40.213000+08:00","guessed":false,"end":"2026-03-25T10:34:41.874000+08:00","text":"未來是否打算提出公股銀行共同的ESG授信標準？","quality":0.545},{"speaker":"莊部長翠雲","start":"2026-03-25T10:34:42.335000+08:00","guessed":false,"end":"2026-03-25T10:35:10.113000+08:00","text":"永續經營是全球共識，財政部也非常重視，所以從110年起我們已經有所謂的ESG倡議平台，由第一金控邀集所有公股銀行共同推動，分三個階段進行推動。","quality":0.873},{"speaker":"莊部長翠雲","start":"2026-03-25T10:35:10.373000+08:00","guessed":false,"end":"2026-03-25T10:35:14.194000+08:00","text":"目前已進行到第三階段，是從115年到117年為止，包含投融資綠色永續相關產業的年度目標要成長，以及在商品審查流程中要納入企業自主減量計畫等，相關的目標都有在做。","quality":0.87},{"speaker":"劉委員書彬","start":"2026-03-25T10:35:26.676000+08:00","guessed":false,"end":"2026-03-25T10:35:27.476000+08:00","text":"這份報告是不是有公告出來了？","quality":1},{"speaker":"莊部長翠雲","start":"2026-03-25T10:35:27.677000+08:00","guessed":false,"end":"2026-03-25T10:35:29.558000+08:00","text":"我們每一階段都有成果出來，也都訂有KPI，第三階段也已開始在進行了。","quality":0.935},{"speaker":"劉委員書彬","start":"2026-03-25T10:35:29.778000+08:00","guessed":false,"end":"2026-03-25T10:35:29.978000+08:00","text":"是不是可以送到本辦公室？","quality":0.818},{"speaker":"莊部長翠雲","start":"2026-03-25T10:35:29.978000+08:00","guessed":false,"end":"2026-03-25T10:35:30.678000+08:00","text":"我們當然可以將相關執行成果提供給您的辦公室。好。","quality":0.636},{"speaker":"劉委員書彬","start":"2026-03-25T10:35:30.778000+08:00","guessed":false,"end":"2026-03-25T10:35:57.634000+08:00","text":"我們知道永續金融先行者聯盟目前只有2家公股銀行加入，但公股銀行共有8家，其他6家有沒有可能在未來一、兩年內加入？","quality":0.694},{"speaker":"劉委員書彬","start":"2026-03-25T10:36:00.916000+08:00","guessed":false,"end":"2026-03-25T10:36:01.897000+08:00","text":"部長能不能先回應一下？","quality":0.7},{"speaker":"劉委員書彬","start":"2026-03-25T10:36:02.117000+08:00","guessed":false,"end":"2026-03-25T10:36:03.679000+08:00","text":"因為你們是主管機關。","quality":0.889},{"speaker":"莊部長翠雲","start":"2026-03-25T10:36:03.679000+08:00","guessed":false,"end":"2026-03-25T10:36:06.120000+08:00","text":"這是金管會主導。","quality":1},{"speaker":"劉委員書彬","start":"2026-03-25T10:36:06.120000+08:00","guessed":true,"end":"2026-03-25T10:36:10.154000+08:00","text":"那你們要不要促進？","quality":0.25},{"speaker":"董董事長瑞斌","start":"2026-03-25T10:36:10.154000+08:00","guessed":false,"end":"2026-03-25T10:36:19.918000+08:00","text":"其實每一家銀行都有永續報告書，如果委員有需要，我們可以提供給委員參考，但是我們在ESG相關有非常多的項目。","quality":0.714},{"speaker":"劉委員書彬","start":"2026-03-25T10:36:21.798000+08:00","guessed":false,"end":"2026-03-25T10:36:26.460000+08:00","text":"我希望財政部能配合金管會一起來推動，讓永續由官股先行，好嗎？","quality":0.519},{"speaker":"劉委員書彬","start":"2026-03-25T10:36:26.460000+08:00","guessed":false,"end":"2026-03-25T10:36:27.880000+08:00","text":"好，謝謝。","quality":1},{"speaker":"莊部長翠雲","start":"2026-03-25T10:36:27.880000+08:00","guessed":true,"end":"2026-03-25T10:36:28.880000+08:00","text":"謝謝委員。","quality":0},{"speaker":"主席","start":"2026-03-25T10:36:28.060000+08:00","guessed":false,"end":"2026-03-25T10:36:29.181000+08:00","text":"謝謝劉委員。","quality":1},{"speaker":"主席","start":"2026-03-25T10:36:29.721000+08:00","guessed":false,"end":"2026-03-25T10:36:34.502000+08:00","text":"向委員會報告，第8位林思銘委員質詢完畢之後，休息5分鐘。","quality":0.913},{"speaker":"主席","start":"2026-03-25T10:36:34.502000+08:00","guessed":false,"end":"2026-03-25T10:36:35.603000+08:00","text":"現在請林思銘委員質詢。","quality":0.9}]}},"supported_relations":[],"relations":[]}