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謝謝主席 麻煩委員長請委員長王委員早安"},{"start":11.562,"end":30.983,"text":"委員長我先提醒一件事情現在那個我們大概每處在籌辦美國國慶的慶祝酒會嘛季節差不多到了啦七月份的活動大概現在場地應該已經確認活動內容要確認今年尤其是250週年這個當然基於重要的盟友關係這個要好好辦"},{"start":31.824,"end":54.638,"text":"那我只提醒一件事情,你可能跟外交部這邊,我下禮拜也會跟他們提在合辦的單位上要特別注意它的涵蓋性以及在怎麼樣以國家為立場的代表性我提醒這兩件事情就好,其他部分我們可以私下再溝通那我現在要請教第一個,有關我們海外信保基金"},{"start":55.859,"end":75.02,"text":"我們海外信保基金你們相較於去年你們要求增加一億五百萬嘛對不對對那這樣規模來到多少增加了這個一億我先跟委員說明一下事實上這個增資計畫是在2017年新南向政策的時候已經就通過一個20億的增資計畫"},{"start":77.782,"end":95.873,"text":"但是那個執行一直到我2020年來到僑委會的時候我們就一直停到差不多20億左右而已就是前面有10億那個是增資規模原規模是10原來是10然後要再加20嘛那20到我來的時候2020年的時候差不多才增加10億而已所以變成"},{"start":98.195,"end":106.519,"text":"這個2017年同意增資再增資加20結果那個CODA你們又沒有用完都沒有 對 都沒有增資到所以現有規模是20嘛原有規模是10後來應該再加20嘛可是這幾年當中沒有20沒有到位沒有到位所以我最近這幾年說我們經過這麼多年努力了新南向政策都快完成了那這個增資案都沒有到那我們能夠融資保證的額度 稀有額度變低"},{"start":126.889,"end":146.683,"text":"所以我就決定說我們現有規模到底是多少現在是24億24億有沒有含著一億五百萬還沒含嘛還沒含所以24億要再加一億五百萬嘛這是你們的信保基金的預計規模那這個信保基金預計規模呢它可以擔保的金額規模有多大我們母體會有多大"},{"start":149.105,"end":159.17,"text":"那是銀行放款 10倍 原則上是10倍所以25億的意思就是250億對 所以我25億美金我可以擔保的那個scale 那個規模是來到250億美金嗎我們現在是用新台幣算 250億台幣"},{"start":174.378,"end":188.728,"text":"我現在要問的問題是可是我看了去年你們去年從丹寶的件數跟壽性的金額這邊是美金的啦因為我們在海外嘛 計價是用美金的你們件數是逐年往下掉"},{"start":189.844,"end":207.609,"text":"然後呢擔保的金額也往下掉為什麼委員就是說你們現在提報的需求是要增加了基金規模也要成長了確實國際經貿也活絡了可是我們要增加這一筆錢給你們之前我要看你們的業績嘛你們Performance是往下走啊"},{"start":208.429,"end":231.355,"text":"為什麼需要增加?跟委員說明這個讓我們海外信保基金的對象基本上是中小型企業不是大型企業因為我們最高的受信額度本來只有兩百萬美金而已那以大企業規模來說兩百萬美金對馬來西亞實在太少那去年這一年呢下降主要的原因很簡單是因為我們在"},{"start":235.219,"end":250.087,"text":"遇到關稅關稅對等關稅很多的企業廠商就觀望了他說我不要在今年進行投資所以我就先不要在今年融資貸款那2022年為什麼相對比較高2021年為什麼相對比較高委員你們現在認為2026年到2027年觀望的氣氛解除了應該會解除了"},{"start":256.01,"end":282.285,"text":"應該會增加很多我們確實這幾年有一直聽到廠商在問你剛才講的是一個大環境對於這些中型規模企業的影響委員然後我跟您補充一下2022年為什麼數字是這樣是因為那一年當中呢是疫情因素影響我們有開辦一個叫做就是COVID-19特殊計畫所以那一年的貸款的件數會多是很多人因為疫情發生的這個我待會可以跟你講"},{"start":285.587,"end":302.953,"text":"5.4大環境在2025年的大環境其實台灣對外投資創歷史新高1.18兆美元所以整體台灣對外投資是往上走你們根據那個趨勢來研判要增加從24億要增加到25億 OK"},{"start":305.054,"end":326.418,"text":"但是你的實際的績效是往下走你的件數跟金額往下掉你懂我意思嗎我點這個問題委員金額是增加的你看一下後面的那個那個受信金額23好因為剛剛有講過因為25年的狀況就是遇到關稅對等關稅一整年的震盪我接下來就請教了COVID的時候有COVID的專案嘛"},{"start":326.958,"end":347.387,"text":"那對等關稅其實你們也有一個專案叫專案貸款保證對 那個是去年9月底才開始實施這個是INCRU是內涵還是外加內涵在這24億裡面吧都是在內涵的那你框了多少從這內涵裡面你們框了多少基金我們不會用特別框基金的模式那這個專案就是沒有專案只是"},{"start":348.107,"end":353.411,"text":"不是 有專案 因為他的資格的專案 但金額的破沒有分開破還是在同一個破 但是他的條件會變不一樣就是說一般的信用保證的條件跟這些專案的保證的條件會不一樣比方說COVID期間我們給的專案就是說當時給他叫做利息補貼 給他手續費減免增加這些來貸款的中小企業不要再燒售那麼大壓力"},{"start":374.746,"end":402.964,"text":"經濟部還有很多輸出銀行都有政策工具比方說因為因應關稅我也許要去開發第三國市場那第三國市場我要做滴滴啊那第三國市場有時候那個沒有開水而且我再講一下這個一億五百萬是怎麼樣為什麼會編出一億五百萬是因為我們募到多少錢我們現在是這樣我們這筆基金不是公務預算全部是四對六也就是說我要先募到四成的資金"},{"start":403.985,"end":432.602,"text":"百分之六十我去年已經撥入到了那四成了所以我必須要撥補這六成進來這個我不反對啦就是說這一個金額用來是幫助我們企業往外走往外走有幾個部分比方說第一次到美國做生意的因為川普鼓勵喜歡做生意你第一次去做生意你那個拿到的銀行所以現在要去美國投資我們評估他貸款額度要高所以我們要做大一點另外到第三國的時候有時候"},{"start":433.802,"end":448.667,"text":"你豁出去的收不收到款要一個擔保或者要有一些市場調查這些其實在經濟部在輸出入銀行在很多地方都有類似的預算那我希望看到的是什麼呢你們要增加也好原來24億的規模變成25億過500萬規模都好"},{"start":452.068,"end":469.397,"text":"但是我要看你們執行的一些細節啦就是說我這錢用在哪裡鼓勵哪個方向那我這個專案的資格的成效你們現在專案走這個對等關稅專案的現在有幾件啊目前8件就8件那加起來的放貸額度多少220萬美金"},{"start":471.814,"end":500.302,"text":"320萬美金對所以我們的擔保就十分之一大概22萬美金不是十分之一而已我們九成的擔保這個專案我們擔保我們負擔的錢我們負擔的九成我們幫他擔保九成但是我們支出的金額沒有到九成啊沒有沒有 目前一克錢都沒支出擔保的意思是說將來如果他錢沒有按照例行的利息或者是本金繳還那時候銀行才會來找我們我們要代位求償對 那是代位求償才要付出現在沒有付出你負擔的是風險嘛"},{"start":501.162,"end":522.874,"text":"成本負擔比例多少?有利息補貼啊有些作業的東西那個都很低啦很低很低我今天先提這一塊就是說海外信保的規模其實太小了真的太小太小了你為什麼做不到那些大家的是你說鴻海啦TSMC因為這規模太低了他的他自己的品牌名字去海外借款就可以取得低利了"},{"start":523.434,"end":545.549,"text":"我們現在幫助的是中小企業他也許第一次來這個國家那他們國家銀行的利息跟有往來的銀行利息美國那是自由市場會差三到六倍所以我要幫他降低成本那由國家資本做擔保他的風險會降低所以我希望看到的海外信保你們要把自己當成就是我們對海外台商台橋的"},{"start":547.07,"end":564.701,"text":"銀行一樣你那個操作的方式讓我們看到好 了解他們也知道怎麼跟你接觸我們多來跟國內銀行溝通然後你們的風險 曝險的控管當然都是國家資本嘛我們並沒有要真的去去賠那個錢所以每一年的報告裡面也要涵蓋說我回收多少是"},{"start":565.481,"end":578.482,"text":"不良的債有多少我們每年都有在回算對那個報告要清楚呈現這樣在預算審查上才有依據該做這是幫助我們國民但是也該審查因為這是我們國家預算在支出的好不好是的好謝謝好謝謝王委員"}]}},"supported_relations":[],"relations":[]}