{"error":false,"id":["168919"],"data":{"IVOD_ID":168919,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/168919","日期":"2026-04-29","會議資料":{"會議代碼":"委員會-11-5-20-11","會議代碼:str":"第11屆第5會期財政委員會第11次全體委員會議","屆":11,"會期":5,"會次":11,"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11次全體委員會議"},"影片種類":"Clip","開始時間":"2026-04-29T10:45:15+08:00","結束時間":"2026-04-29T10:56:53+08:00","影片長度":"00:11:38","支援功能":["ai-transcript"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/6301273cb2dfee84b3addbdd828bbc3b461c7aa0775da531e50068aa154627868a3d5adc657703f85ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"顏寬恒","委員發言時間":"10:45:15 - 10:56:53","會議時間":"2026-04-29T09:00:00+08:00","會議名稱":"立法院第11屆第5會期財政委員會第11次全體委員會議（事由：一、審查中華民國115年度中央政府總預算案有關財政部、國庫署、關務署及所屬、國有財產署及所屬、財政資訊中心歲出預算部分暨融資財源調度。（僅詢答）\n二、審查中華民國115年度中央政府總預算案附屬單位預算非營業部分有關財政部主管債務基金－中央政府債務基金。（僅詢答）\n【4月29日及30日二天一次會】\n【預算提案截止時間：4月30日（四）下午5時】）","transcript":{"pyannote":[{"speaker":"SPEAKER_00","start":0.06471875,"end":0.97596875},{"speaker":"SPEAKER_03","start":5.66721875,"end":6.544718750000001},{"speaker":"SPEAKER_00","start":6.79784375,"end":7.77659375},{"speaker":"SPEAKER_00","start":8.215343750000002,"end":18.94784375},{"speaker":"SPEAKER_00","start":19.31909375,"end":19.99409375},{"speaker":"SPEAKER_00","start":20.027843750000002,"end":22.32284375},{"speaker":"SPEAKER_00","start":22.74471875,"end":27.50346875},{"speaker":"SPEAKER_00","start":27.80721875,"end":47.17971875},{"speaker":"SPEAKER_00","start":47.314718750000004,"end":51.80346875},{"speaker":"SPEAKER_00","start":52.09034375,"end":52.86659375},{"speaker":"SPEAKER_00","start":53.28846875,"end":57.06846875},{"speaker":"SPEAKER_00","start":57.321593750000005,"end":63.16034375},{"speaker":"SPEAKER_00","start":63.548468750000005,"end":66.43409375},{"speaker":"SPEAKER_00","start":66.82221875,"end":73.15034375},{"speaker":"SPEAKER_00","start":73.40346875,"end":76.01909375000001},{"speaker":"SPEAKER_00","start":76.25534375000001,"end":78.97221875000001},{"speaker":"SPEAKER_00","start":79.27596875,"end":80.35596875},{"speaker":"SPEAKER_00","start":80.74409375,"end":81.06471875000001},{"speaker":"SPEAKER_00","start":81.33471875000001,"end":84.40596875},{"speaker":"SPEAKER_00","start":84.87846875000001,"end":88.33784375},{"speaker":"SPEAKER_00","start":88.97909375,"end":92.80971875},{"speaker":"SPEAKER_00","start":92.97846875,"end":94.64909375},{"speaker":"SPEAKER_00","start":94.80096875000001,"end":95.64471875000001},{"speaker":"SPEAKER_00","start":95.91471875,"end":96.50534375000001},{"speaker":"SPEAKER_00","start":97.04534375,"end":101.19659375},{"speaker":"SPEAKER_00","start":101.39909375,"end":107.30534375},{"speaker":"SPEAKER_03","start":108.30096875000001,"end":188.65971875000002},{"speaker":"SPEAKER_00","start":187.93409375000002,"end":193.11471875},{"speaker":"SPEAKER_03","start":192.64221875,"end":199.07159375},{"speaker":"SPEAKER_00","start":197.53596875000002,"end":197.92409375000003},{"speaker":"SPEAKER_00","start":198.26159375,"end":198.73409375},{"speaker":"SPEAKER_00","start":199.22346875000002,"end":203.05409375000002},{"speaker":"SPEAKER_00","start":203.32409375,"end":206.63159375},{"speaker":"SPEAKER_00","start":206.85096875000002,"end":216.01409375},{"speaker":"SPEAKER_00","start":216.23346875000001,"end":248.04284375},{"speaker":"SPEAKER_00","start":248.27909375000002,"end":250.48971875},{"speaker":"SPEAKER_00","start":250.65846875000003,"end":252.75096875000003},{"speaker":"SPEAKER_00","start":253.00409375,"end":254.60721875000002},{"speaker":"SPEAKER_00","start":254.92784375000002,"end":275.22846875},{"speaker":"SPEAKER_03","start":276.03846875,"end":316.36971875},{"speaker":"SPEAKER_00","start":280.88159375000004,"end":281.23596875000004},{"speaker":"SPEAKER_00","start":316.94346875,"end":322.81596875},{"speaker":"SPEAKER_03","start":322.15784375000004,"end":323.01846875},{"speaker":"SPEAKER_00","start":323.01846875,"end":328.92471875},{"speaker":"SPEAKER_00","start":329.00909375000003,"end":329.02596875},{"speaker":"SPEAKER_00","start":329.07659375000003,"end":348.48284375000003},{"speaker":"SPEAKER_03","start":349.03971875,"end":354.89534375},{"speaker":"SPEAKER_03","start":355.04721875,"end":392.71221875000003},{"speaker":"SPEAKER_03","start":392.84721875,"end":403.12409375000004},{"speaker":"SPEAKER_00","start":403.10721875,"end":404.69346875},{"speaker":"SPEAKER_03","start":403.15784375000004,"end":404.11971875},{"speaker":"SPEAKER_01","start":405.43596875000003,"end":415.56096875000003},{"speaker":"SPEAKER_00","start":415.74659375000005,"end":419.30721875},{"speaker":"SPEAKER_03","start":417.73784375,"end":420.74159375000005},{"speaker":"SPEAKER_00","start":420.99471875,"end":426.95159375000003},{"speaker":"SPEAKER_00","start":427.08659375,"end":427.74471875},{"speaker":"SPEAKER_00","start":428.09909375,"end":429.28034375000004},{"speaker":"SPEAKER_00","start":429.58409375,"end":433.34721875},{"speaker":"SPEAKER_00","start":433.49909375000004,"end":436.13159375000004},{"speaker":"SPEAKER_00","start":436.46909375,"end":441.51471875000004},{"speaker":"SPEAKER_00","start":441.76784375000005,"end":444.36659375000005},{"speaker":"SPEAKER_00","start":444.53534375000004,"end":449.63159375000004},{"speaker":"SPEAKER_00","start":449.95221875000004,"end":452.17971875},{"speaker":"SPEAKER_00","start":452.50034375,"end":455.85846875000004},{"speaker":"SPEAKER_00","start":456.14534375000005,"end":466.82721875000004},{"speaker":"SPEAKER_00","start":467.06346875,"end":469.56096875000003},{"speaker":"SPEAKER_00","start":469.96596875000006,"end":471.46784375000004},{"speaker":"SPEAKER_00","start":471.70409375,"end":477.76221875000005},{"speaker":"SPEAKER_00","start":478.99409375000005,"end":486.80721875},{"speaker":"SPEAKER_00","start":487.04346875000005,"end":496.18971875000005},{"speaker":"SPEAKER_00","start":496.47659375,"end":499.69971875000005},{"speaker":"SPEAKER_00","start":499.76721875000004,"end":526.75034375},{"speaker":"SPEAKER_00","start":527.05409375,"end":538.9509687500001},{"speaker":"SPEAKER_00","start":539.2040937500001,"end":550.0378437500001},{"speaker":"SPEAKER_00","start":550.2234687499999,"end":553.8347187500001},{"speaker":"SPEAKER_00","start":554.2903437500001,"end":557.96909375},{"speaker":"SPEAKER_00","start":558.01971875,"end":577.4428437500001},{"speaker":"SPEAKER_03","start":578.25284375,"end":629.13096875},{"speaker":"SPEAKER_00","start":622.83659375,"end":626.5659687500001},{"speaker":"SPEAKER_00","start":627.30846875,"end":631.7803437499999},{"speaker":"SPEAKER_03","start":630.24471875,"end":640.11659375},{"speaker":"SPEAKER_00","start":638.5303437499999,"end":675.97596875},{"speaker":"SPEAKER_03","start":676.22909375,"end":676.24596875},{"speaker":"SPEAKER_02","start":676.24596875,"end":676.4990937500002},{"speaker":"SPEAKER_03","start":676.4990937500002,"end":679.3172187499999},{"speaker":"SPEAKER_02","start":676.56659375,"end":677.52846875},{"speaker":"SPEAKER_02","start":677.81534375,"end":686.53971875},{"speaker":"SPEAKER_00","start":679.3172187499999,"end":680.3972187500001},{"speaker":"SPEAKER_00","start":695.97284375,"end":698.50409375}],"whisperx":[{"start":0.089,"end":1.39,"text":"政府莊部長是 委員好部長早部長 從99年清安貸款推動以來累計核貸戶數金額都逐年成長到114年8月底累計核貸47萬7821戶金額也高達2兆4700多億"},{"start":27.902,"end":52.674,"text":"那新清安也將在今年的7月要落日當然民眾擔心的是說在6月份才完成相關的程序並向銀行申請的這些提出申請的那實際上恐怕已經來不及趕上第一波的專案但是照理講就是說在我們合法的期限內申請的期限內所提出的申請應該是要符合救治"},{"start":53.514,"end":79.925,"text":"或者說薪資會比舊制更有利那他可以來要求然後說看能夠比照薪資這部分我想等一下再請你說明一下我想銀行方面有表示就是說可能需要後續是否推動第二波貸款的政策看政策怎麼制定但是民眾想要了解的是說政府推動第二波新簽案貸款的方案或者是相關延續措施的方向跟時程"},{"start":81.405,"end":106.296,"text":"然後能夠以方便讓大家能夠了解到後續怎麼安排這些資金規劃所以針對新青岸2.0的方向跟期程能不能跟民眾說明第二個就是說這中間1.0跟2.0這中間會不會有什麼空窗期因為時間快到了那新的方案可不可以無縫接軌在8月順利上路部長請簡單說明"},{"start":108.923,"end":122.881,"text":"謝謝委員清安貸款其實是幫助沒有自有住宅的青年朋友們或者是國民朋友們可以來購置他的房屋那政府給予相關的協助那新清安執行到今年的7月就屆期了"},{"start":123.302,"end":139.754,"text":"那當然大家也很期待說屆期之後相關的方向會是怎麼樣那這裡也跟委員報告那財政部呢在最近已經召開了好幾次跨部會的會議那我們對於未來這個七月以後會是以什麼樣的方式方案來執行那我們進行相關的意見交流當然也要對這個新青安這個執行三年以來"},{"start":145.858,"end":166.121,"text":"所面臨的一些狀況或者問題也要做一些檢討因此我們就對於房市的供需因為這跟房地產市場有關係然後金融市場還有民眾的需求以及新青安整個貸款的一個成效還有政府的財源的運用以及公股銀行資金成本等等多元的一個面向我們要做整體的評估"},{"start":167.262,"end":183.347,"text":"那在這個部分呢我們做完這個相關的評估完成以後我們相關的方案會呈報給行政院呈報行政院確定以後就會對外公佈以及說明我想這個部分是跟委員做這樣報告那至於外界一些很多的揣測我覺得那就是一些傳聞啦那等到我們"},{"start":185.348,"end":210.325,"text":"把定案以後就會跟外界做明確的說明那你說評估之後抱怨的部分什麼時候會要抱怨什麼時候會有結果出來我想這個部分現在是4月我想在6月底之前應該是可以有一個定案的方向是我這邊根據我們財政部上星期公佈的新青岸新青岸2026 3月的統計包括受理波待戶數都呈現月增"},{"start":211.326,"end":235.453,"text":"然後我們八家公股銀行的受理戶數4775戶月增77%受理金額402億月增89%那雙雙創下去年4月以來的新高所以就是說像我剛剛講的說因為政策還沒有很明朗我們的憑供應還沒出來然後行政院的部分也還沒有公告"},{"start":236.013,"end":253.175,"text":"那所以說民眾就搶著要搭上這個最後一波啦這個新千萬1.0的部分所以希望部長我們如果說這個新千萬1.0在6月的時候2.0啦2.0的時候在6月的時候公布方案或者是這些續辦的細節包括"},{"start":255.257,"end":271.61,"text":"利率的補貼 貸款條件的調整等等在7月的時候由財政部來協調公股銀行處理舊案就在7月之前所提出申請的這些舊案要怎麼樣來整合同步受理這些新制的諮詢來確保說未來這個作業不會斷裂這樣子可以嗎 部長"},{"start":276.264,"end":292.471,"text":"謝謝委員的指教對於新舊案的銜接在我們研擬方案的時候都會考慮進去那至於所謂的月增數等等這個有的時候跟房屋的交屋的時期尤其是二月又碰到農曆過年所以三月就會增加那因為二月份上班天數也少嘛所以那個銀行的核貸數量也會少所以基本上"},{"start":296.192,"end":315.752,"text":"新青安整個執行以來在113年的左右的時候那是達到最高峰那慢慢已經接近一個平穩的一個狀態因為它究竟是一個剛性需求它是一個真的住宅需要使用的而且很重要就是自住那買去以後不做自住的話其實銀行後續都有一些查核的機制會追回相關的利息的補貼"},{"start":316.974,"end":335.769,"text":"好的 所以說我們對於這些舊案的收尾一定要做得更全面一點17點委員謝謝 現在報稅季到了所以在這邊要請教部長今年報稅的方式以及稅制的內容有沒有相較去年更加精進或者是能夠讓民眾受惠的部分"},{"start":336.289,"end":347.836,"text":"那趁這個機會跟民眾說明一下然後鼓勵民眾用手機報稅所以財政部針對手機報稅舉辦的抽獎活動今年是不是也是如常辦理有沒有加碼的機會"},{"start":349.127,"end":353.712,"text":"我想謝謝委員給我們這個機會那在115年報稅的部分其實各位知道就長照的扣除額從12萬提高到18萬那租金的支出的特別扣除從去年開始就列為特別扣除額以前是在列舉扣除額裡面所以金額也提高到18萬我想這個部分對於減輕民眾的一個租稅負擔以及"},{"start":372.311,"end":392.456,"text":"還有這個基本生活費也提高到也提高到二十一萬三千這個部分都可以減少這個民眾的出稅的負擔至於在實際上手機報稅或提供相關更便利的一個部分呢這也是我們每一年持續經濟尤其今年我們對於視障朋友們的一些便利性更有一些精進作為以及我們會實際找就是說還有視障朋友們來做一個測試看怎麼樣才能夠讓他更方便的使用我想這個部分我們"},{"start":399.858,"end":418.168,"text":"台資中心主任在這邊 也許可以跟各位做一個說明簡短好不好 請簡短說明幕遠 針對視障的部分 我們有提供網頁的報讀的方式讓看不到的人可以用聽的來處理報稅的活動 那效果還不錯好的 所以就更加精進 要積極的來做這些"},{"start":420.99,"end":448.391,"text":"好的好的那再請教部長特別預算的部分115年度總預算舉債創10年新高還有債務未償餘額持續上升合計舉債已經突破平均所以115年度總預算與特別預算的舉債債務合計是4000億高於近10年的平均值3500億截至115年4月17日中央政府債務未償餘額"},{"start":449.912,"end":474.622,"text":"一年以上的再加上短期的總計是六兆三千五百多億那這意味著每月國民負擔是債務是27.3萬創立年薪高這甚至還沒有加上軍購的特別預算所以我們更應該去思考說引擎性債務還有跨世代的負擔政府本應該將編列在總預算內的譬如說像基礎建設戰機採購這個"},{"start":479.388,"end":493.4,"text":"就是把這些部分移到特別預算實質上其實它是在規避年度總預算的一個平衡壓力所以我想我們甚至可以看到連先前這個媒體宣傳費都編列在特別預算當中"},{"start":495.082,"end":509.356,"text":"這個這樣子根本就不合理那我有多次強調說特別預算不應該常態化更不應該說成為這個規避財政機率濫用編入明目的一個巧門所以特別預算的特別是指事態緊急"},{"start":510.077,"end":533.464,"text":"而不是讓預算變略變得特別隨便所以在當我們115年度舉債舉債數創下10年新高財政部不能只用落實開源結尾這樣子一個空洞的詞彙來應付人民所以要請教莊副長就是說到11408月底依促參法辦理的簽約案中提前結約件數高達215件那結約金額達1421億"},{"start":539.326,"end":563.784,"text":"那解約件數這個佔比12.33%所以從2012年2013年同期的數據我們可以看到這個族名上升那出差案理應該是一個公私協力然後共創莊民但是現在每8到9件的簽約案就有一件會提前解約而且比例不斷的增加那我們作為財政部是主管機關嘛"},{"start":564.685,"end":577.254,"text":"那有沒有針對這些檢驗的案件做個案的分析是前端招商評估太過關了還是後端輔導不足所造成的結果這部分是不是請部長簡單的回答"},{"start":578.571,"end":602.549,"text":"我先跟委員報告特別預算並不是所謂要規避總預算總預算跟特別預算都是預算法裡面它們相附相成那麼特別預算是為了國重大的正式需要來做編列而且它的舉債的話債務控管同樣受公債法的限制以及財政紀律法的規定我想這個部分絕對沒有以特別預算來規避所謂的債務控管以及另外所謂的隨便的一個情況第二個對於債務的控管裡面"},{"start":607.572,"end":626.386,"text":"預算數我們剛剛已經報告他是用這樣的好幾項加但是實際數目前來說我們只有5到9千多億而且債務的比例是23%這個在國際間已經是非常好的對債務的控管財政部一直都是非常謹慎我想在特別預算別年的時候也會對於債務的一個控管做一些說明我的時間也到了"},{"start":630.589,"end":650.706,"text":"這部分我必須要很清楚的說明,特別預算不是用來規避所謂的總預算的債務控管以及做隨便,而且特別預算之前我剛剛請問的問題裡面還有包括我們這相關農業級資源循環、再利用設施還有我們的觀光、休憩設施這些部分、文教設施等"},{"start":651.546,"end":675.661,"text":"這些都是我們解約件數相當高的前三項那解約金的一千多億那解約的件數那麼多那我們財政部到底是不是已經邀請了相關的部會來做一個檢討的一個是不是有來檢討契約範本以避免說資產閒置跟行政資源的浪費這部會我想時間已經到了那可不可以把這些資料提供給我辦公室"},{"start":676.243,"end":677.064,"text":"主席 麻煩請財政部莊部長複稅署"}]}},"supported_relations":[],"relations":[]}