{"error":false,"id":["169446"],"data":{"IVOD_ID":169446,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/169446","日期":"2026-05-20","會議資料":{"會議代碼":"委員會-11-5-20-15","會議代碼:str":"第11屆第5會期財政委員會第15次全體委員會議","屆":11,"會期":5,"會次":15,"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15次全體委員會議"},"影片種類":"Clip","開始時間":"2026-05-20T10:18:35+08:00","結束時間":"2026-05-20T10:29:44+08:00","影片長度":"00:11:09","支援功能":["ai-transcript","gazette"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/e8e93c7ebde79bae4752730e979b45928366f596cea4852f1cbc05507f2af634711898d07e4142ab5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"賴惠員","委員發言時間":"10:18:35 - 10:29:44","會議時間":"2026-05-20T09:00:00+08:00","會議名稱":"立法院第11屆第5會期財政委員會第15次全體委員會議（事由：一、邀請財政部莊部長翠雲與公股行庫董事長及金融監督管理委員會彭主任委員金隆就「公股金融機構數位轉型、人力招募、員工權益及中長期整併規劃」進行專題報告，並備質詢。\n二、審查中華民國115年度中央政府總預算案行政院歲入預算有關中央銀行股息紅利繳庫部分、財政部及所屬單位歲入預算部分。（僅詢答）\n三、審查中華民國115年度中央政府總預算案有關賦稅署、臺北國稅局、高雄國稅局、北區國稅局及所屬、中區國稅局及所屬、南區國稅局及所屬歲出預算部分。（僅詢答）\n【5月20日及21日二天一次會】\n【預算提案截止時間：5月21日（四）下午5時】）","transcript":{"pyannote":[{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":2.6297187500000003,"end":3.18659375,"speaker_score":0.973},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":3.5915937500000004,"end":4.469093750000001,"speaker_score":0.973},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":4.95846875,"end":10.645343750000002,"speaker_score":0.973},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":10.72971875,"end":97.36596875000001,"speaker_score":0.973},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":97.68659375,"end":106.20846875000001,"speaker_score":0.973},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":106.36034375000001,"end":119.70846875000001,"speaker_score":0.973},{"speaker":"SPEAKER_01","speaker_name":"莊部長翠雲","start":119.70846875000001,"end":192.91221875000002,"speaker_score":0.972},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":160.93409375000002,"end":161.69346875000002,"speaker_score":0.973},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":179.31096875,"end":183.88409375,"speaker_score":0.973},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":189.46971875,"end":207.32346875000002,"speaker_score":0.973},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":207.40784375,"end":215.72721875000002,"speaker_score":0.973},{"speaker":"SPEAKER_01","speaker_name":"莊部長翠雲","start":216.84096875,"end":240.46596875,"speaker_score":0.972},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":235.72409375,"end":266.75721875,"speaker_score":0.973},{"speaker":"SPEAKER_01","speaker_name":"莊部長翠雲","start":240.90471875000003,"end":241.52909375000002,"speaker_score":0.972},{"speaker":"SPEAKER_01","speaker_name":"莊部長翠雲","start":242.17034375000003,"end":243.23346875000001,"speaker_score":0.972},{"speaker":"SPEAKER_00","speaker_name":"陳副主任委員彥良","start":250.37159375000002,"end":250.57409375,"speaker_score":0.921},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":266.99346875000003,"end":267.98909375,"speaker_score":0.973},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":268.32659375000003,"end":292.30596875000003,"speaker_score":0.973},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":292.69409375000004,"end":308.89409375,"speaker_score":0.973},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":309.55221875,"end":313.04534375000003,"speaker_score":0.973},{"speaker":"SPEAKER_01","speaker_name":"莊部長翠雲","start":314.41221875,"end":318.09096875,"speaker_score":0.972},{"speaker":"SPEAKER_01","speaker_name":"莊部長翠雲","start":318.34409375,"end":319.30596875000003,"speaker_score":0.972},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":319.30596875000003,"end":346.40721875,"speaker_score":0.973},{"speaker":"SPEAKER_01","speaker_name":"莊部長翠雲","start":319.33971875000003,"end":320.77409375,"speaker_score":0.972},{"speaker":"SPEAKER_01","speaker_name":"莊部長翠雲","start":322.74846875000003,"end":324.30096875000004,"speaker_score":0.972},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":347.75721875000005,"end":350.30534375,"speaker_score":0.973},{"speaker":"SPEAKER_01","speaker_name":"莊部長翠雲","start":350.52471875000003,"end":357.78096875,"speaker_score":0.972},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":356.32971875000004,"end":388.74659375000005,"speaker_score":0.973},{"speaker":"SPEAKER_00","speaker_name":"陳副主任委員彥良","start":368.34471875,"end":368.47971875,"speaker_score":0.921},{"speaker":"SPEAKER_00","speaker_name":"陳副主任委員彥良","start":368.53034375000004,"end":368.64846875,"speaker_score":0.921},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":388.84784375000004,"end":388.89846875,"speaker_score":0.973},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":389.13471875000005,"end":393.01596875,"speaker_score":0.973},{"speaker":"SPEAKER_01","speaker_name":"莊部長翠雲","start":391.21034375000005,"end":414.64971875000003,"speaker_score":0.972},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":402.44909375000003,"end":403.83284375000005,"speaker_score":0.973},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":412.94534375,"end":413.23221875,"speaker_score":0.973},{"speaker":"SPEAKER_01","speaker_name":"莊部長翠雲","start":415.59471875,"end":417.95721875000004,"speaker_score":0.972},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":416.77596875,"end":420.50534375,"speaker_score":0.973},{"speaker":"SPEAKER_01","speaker_name":"莊部長翠雲","start":419.49284375,"end":420.06659375000004,"speaker_score":0.972},{"speaker":"SPEAKER_01","speaker_name":"莊部長翠雲","start":420.82596875,"end":440.87346875000003,"speaker_score":0.972},{"speaker":"SPEAKER_02","speaker_name":"賴委員惠員","start":421.34909375,"end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謝謝 謝謝委員我想少子化這個問題是已經是國安問題了行政團隊都非常的重視近期會提出有關整體的一個整體的戰略的一個方案那您剛剛有提到就是幼兒學前特別扣除的部分也已經修法在提高了在第一胎的部分他可以減幼兒學前特別扣除一個孩子是15萬而第二胎第三胎則加50%是達到22.5萬"},{"start":148.727,"end":152.652,"text":"這個部分事實上是可以減輕育兒家庭的一個稅負的一個負擔我想這個當時就已經達到這樣的一個希望能夠達成這樣的一個目標那也會持續的我們會來做跟大家宣布你認為夠不夠啦這個"},{"start":163.864,"end":185.456,"text":"除了這個稅之外,我跟委員報告剛剛有提過整體性的一個方案就是從生育、養育到教育政府會做一個整體的一個配套因為除了稅之外,還有我們要讓這些家庭裡面可以得到實際的一個資源除了錢之外,還有環境的友善,讓他們的一個優惠有沒有辦法再增加?"},{"start":186.937,"end":213.257,"text":"能不能再增加這個部分當然因為已經還剛實施嘛113年才調整的在未來今年甚至到明年我們可預期你都有辦法這個超收超過5000億以上的這個稅金那這些稅金我們是不是可以用來就是說在這個生小孩是國家的一個問題上面我們共同的來解決這一個問題就是針對你的稅的部分"},{"start":217.292,"end":224.755,"text":"稅收來以後會進入國庫國庫做資源的配置那在資源配置上在強化有關對於養育教育家庭的一個負擔上可以去讓他做有關的減負擔而且增福利那在環境上面育兒的職場環境裡面能夠做更友善"},{"start":235.28,"end":240.103,"text":"讓父女朋友們以及家長們可以有更好的一個友善的一個待遇那我們如果用現行的這個租稅的一個制度對幼兒支持我還是要再問你夠不夠就是說我們小朋友在學前特別扣除我的一個現況其實現在第一個小孩我們是15萬第二個"},{"start":258.493,"end":281.227,"text":"是22.5萬元可是這一個稅法其實已經是成立了太久了物價早就是跟那個當年沒有相同了那你看那個奶粉價格也上升了托育費也增加了黃租稅也上漲了教育跟醫療的支出都提高了但是你的扣除額調整的"},{"start":282.567,"end":308.012,"text":"其實是有限的有沒有辦法就是說首得稅法第17條的一個規定我們是照顧滿70歲以上那個就是我們照顧70歲以上的這一個雙親我們把他免了就是免稅增加到50%那可不可能就是說針對的沒有收入的這些小孩子我們去那個就是提高他更高的一個免稅額呢"},{"start":309.605,"end":336.176,"text":"沒有沒有這個生產力沒有收入能力的小孩我想委員剛剛的一個提議是可以思考的一個方向是這個是一個你思考的方向所以也可以考慮看看也可以考慮看看好那我們在針對的就是說六歲以下六歲以下的這個小朋友那就是說我們如果就是企業跟員工花放了生意補助金"},{"start":337.216,"end":346.147,"text":"那讓孩子在滿兩歲以前不論金額的大小全額都免稅有沒有辦法就是這樣子鼓勵就是我們的企業呢"},{"start":347.796,"end":368.069,"text":"妳們有沒有曾經做過這樣的一個思維我想這樣的一個做法我們是不是可以進一步跟委員了解一下所謂全部都無稅是什麼就是說台灣的企業其實它在友善生意的一個制度上仍然不足的許多的企業其實是不願意增加這個幼兒的一個福利增加 他們擔心增加成本"},{"start":368.769,"end":388.1,"text":"所以他的誘因非常的切滑那如果說你政府可以提供就是租稅的優惠他可能會帶來就是對企業增加生意補助的一個意願他會提供這些流產的能力對員工減少就是他生小孩的焦慮他會增加生孩子的一個意願"},{"start":389.261,"end":414.398,"text":"那個我在這裡請教部長的時候委員您剛剛提到就是說企業對於他的員工然後對於生育者多的補助這個部分是可以列為企業所得裡面的一個減項是可以列為減項的他有沒有辦法用來做抵扣他的營守稅呢這個部分如果作為減項的話那他要課稅的所得自然就會下降了那稅也會下降對啊你們有沒有朝這樣的一個思維呢"},{"start":415.626,"end":418.087,"text":"現在已經可以這樣子了可是就是誘因不足啊可以再增加那我想也是跟委員報告就是說我們為了就是說行政團隊會提出一個整體的一個報告在這裡面包含生養"},{"start":431.435,"end":445.034,"text":"都會有各方面方方面面的一個支撐包含減增福利減負擔以及多一些彈性我覺得這個部分會提出來的我非常相信就是說我們大家都知道就是說少子化不會是單一個部會的一個問題"},{"start":446.135,"end":469.951,"text":"它涉及到就是勞動、教育、社福、社宅就是托育等等它其實這些問題非常地多也是國家目前最直接最直接就是最有價值的一個展現你的財政的一個政策所以我希望財政部對以下的這個四項就是兩週內給予本席的一個書面報告是不是給我們一個月的時間"},{"start":471.092,"end":471.312,"text":"好 那"},{"start":493.812,"end":516.187,"text":"那個我們請那個金管會副主委那部長你請留步我想公股並公股以金融的一個競爭力台灣的金融市場公股的占比有沒有過高在這裡我先請教副主委你認為就是台灣的公股行庫它的占比接近一半的金融市場這個會不會太高呢"},{"start":517.67,"end":532.469,"text":"其實在這個部分的話其實我們在一個國家政策推動上面其實供股的這個東西其實許多是支持一個國家政策那至於占比有沒有過高這一部分的話我們看恐怕是比較難以回答難以回答對那比較另外一點的話"},{"start":534.972,"end":560.38,"text":"我跟你說 戶佐那你回答那我是不是把一些數據跟你做一個分享其實在美國公股不占到1%在韓國跟日本是占了20%就只有台灣其實在本股銀行的系統占了48到52所以這個我要請問就是說好那就問財政部長好了因為剛剛那個"},{"start":561.977,"end":572.351,"text":"那個副主委他講說有過高了那金融市場需要充分的競爭嘛這個我們大家都知道那如果國家掌握了進辦的金融市場這個金融市場會是健康的嗎台灣靠近的我們的鄰近的國家"},{"start":578.458,"end":596.21,"text":"韓國跟日本他們的模式他們也是高度的市場化的一個模式那你看喔我們的國票金改選了以後其實又多增加了一個公股的勢力那你金管會是樂見你財政部是樂見的嗎那誰回答我好那個部長你回答我"},{"start":597.803,"end":621.196,"text":"跟委員報告您所謂的公股金融事業是不是佔了市場一大半我想剛剛金管會副主委已經答覆了那公股金融事業其實它當然在經營的部分也持續的在精進跟市場在做競爭它事實上也是跟市場在做競爭那同時它也肩負了某種政府上的一些政策任務去達成的我想它有一定的意義在裡面我想因為我的時間到了主席已經站出來"},{"start":621.836,"end":643.807,"text":"20年後的公股行庫的競爭力為什麼會下滑這個大家非常的清楚不管是ROA還是ROE還是淨利差其實這個都非常非常的清楚在這個地方最後我想就是說站在金融市場的發展的立場我想我們要這麼多公股行庫幹什麼是不是我們應該研擬公股並公股"},{"start":645.988,"end":655.011,"text":"有沒有機會其實公股的管理在20年競爭力為什麼一直衰退所以我希望就是說你們提出這樣的報告給本席兩個月沒有關係好我們謝謝阿樂貴委員的質詢接下來請劉淑冰委員"}],"gazette":[{"speaker":"賴委員惠員","start":"2026-05-20T10:18:35+08:00","guessed":true,"end":"2026-05-20T10:18:36.435500+08:00","text":"謝謝主席，請財政部部長。","quality":0},{"speaker":"主席","start":"2026-05-20T10:18:36.435500+08:00","guessed":true,"end":"2026-05-20T10:18:37.871000+08:00","text":"請莊部長。","quality":0},{"speaker":"莊部長翠雲","start":"2026-05-20T10:18:37.871000+08:00","guessed":false,"end":"2026-05-20T10:18:37.871000+08:00","text":"委員好。","quality":0.333},{"speaker":"賴委員惠員","start":"2026-05-20T10:18:39.980000+08:00","guessed":false,"end":"2026-05-20T10:18:40.420000+08:00","text":"部長早安。","quality":1},{"speaker":"賴委員惠員","start":"2026-05-20T10:18:41.221000+08:00","guessed":false,"end":"2026-05-20T10:19:02.755000+08:00","text":"我想延續林岱樺委員少子化的議題，其實也不是只有財政部應該解決這樣一個議題，這應該是一個跨部會大家要共同去面對的，可是我們也希望可以從稅的部分著手來解決少子化的問題。","quality":0.885},{"speaker":"賴委員惠員","start":"2026-05-20T10:19:02.915000+08:00","guessed":false,"end":"2026-05-20T10:19:12.141000+08:00","text":"我們看當今韓國的案例事實上值得我們借鏡，其實生小孩就是國家的議題。","quality":0.968},{"speaker":"賴委員惠員","start":"2026-05-20T10:19:12.141000+08:00","guessed":false,"end":"2026-05-20T10:19:39.580000+08:00","text":"韓國在兩年前本來是全球生育率最低的國家，但是最近這兩年的生育率開始回升了，他有幾個比較重大的政策就是孩子的育兒津貼；然後強化住宅的支持；也增加托育的補助；企業提供生育的誘因；最重要的是增加了稅務的優惠。","quality":0.872},{"speaker":"賴委員惠員","start":"2026-05-20T10:19:40.821000+08:00","guessed":false,"end":"2026-05-20T10:19:46.065000+08:00","text":"韓國政府的核心思維就是，生小孩不是家庭的問題，是國家的問題。","quality":0.926},{"speaker":"賴委員惠員","start":"2026-05-20T10:19:46.905000+08:00","guessed":false,"end":"2026-05-20T10:20:31.464000+08:00","text":"臺灣現在是全球生育率最低的國家，我們怎麼樣借鏡韓國的政策，增加國人喜歡生育的誘因，提供資源鼓勵生育，我想財政部在因應少子化一定有相應的政策，相對的我們希望……部長，標準作法就是說六歲以下可以有幼兒學前特別扣除額，我在這裡想請教部長，你認為這些扣除額、在稅負上的優惠有沒有辦法改善少子化的問題？","quality":0.896},{"speaker":"賴委員惠員","start":"2026-05-20T10:20:31.985000+08:00","guessed":false,"end":"2026-05-20T10:20:32.305000+08:00","text":"請部長回應我這幾個議題。","quality":1},{"speaker":"莊部長翠雲","start":"2026-05-20T10:20:35.751000+08:00","guessed":false,"end":"2026-05-20T10:20:36.051000+08:00","text":"謝謝委員。","quality":1},{"speaker":"莊部長翠雲","start":"2026-05-20T10:20:36.051000+08:00","guessed":false,"end":"2026-05-20T10:20:46.537000+08:00","text":"我想少子化這個問題已經是國安問題了，行政團隊都非常重視，近期也會提出一個整體的戰略方案。","quality":0.976},{"speaker":"莊部長翠雲","start":"2026-05-20T10:20:47.217000+08:00","guessed":false,"end":"2026-05-20T10:20:57.784000+08:00","text":"您剛剛有提到幼兒學前特別扣除額的部分也已經修法在提高了，在第一胎的部分，幼兒學前特別扣除額一個孩子是15萬；第二胎、第三胎則加50%，達到22.5萬。","quality":0.968},{"speaker":"莊部長翠雲","start":"2026-05-20T10:21:03.727000+08:00","guessed":false,"end":"2026-05-20T10:21:07.452000+08:00","text":"這個部分事實上是可以減輕育兒家庭稅負的負擔，我想當時就是希望能夠達成這樣的一個目標，我們也會持續跟大家宣導。","quality":0.922},{"speaker":"賴委員惠員","start":"2026-05-20T10:21:07.592000+08:00","guessed":false,"end":"2026-05-20T10:21:07.632000+08:00","text":"你認為夠不夠？","quality":1},{"speaker":"莊部長翠雲","start":"2026-05-20T10:21:18.864000+08:00","guessed":false,"end":"2026-05-20T10:21:27.809000+08:00","text":"除了這個稅之外，跟委員報告，剛才有提過整體性的方案就是從生育、養育到教育，政府會做一個整體的配套。","quality":0.977},{"speaker":"莊部長翠雲","start":"2026-05-20T10:21:28.309000+08:00","guessed":false,"end":"2026-05-20T10:21:37.555000+08:00","text":"因為除了稅之外，我們要讓這些家庭可以得到實際的支援，除了錢之外還有環境的友善，讓他們能夠……","quality":0.902},{"speaker":"賴委員惠員","start":"2026-05-20T10:21:37.555000+08:00","guessed":false,"end":"2026-05-20T10:21:40.436000+08:00","text":"部長，你認為稅負的優惠有沒有辦法再增加？","quality":0.611},{"speaker":"莊部長翠雲","start":"2026-05-20T10:21:41.937000+08:00","guessed":false,"end":"2026-05-20T10:21:47.381000+08:00","text":"能不能再增加這個部分，因為才剛實施，113年才調整的。","quality":0.952},{"speaker":"賴委員惠員","start":"2026-05-20T10:21:49.062000+08:00","guessed":false,"end":"2026-05-20T10:22:05.755000+08:00","text":"大家都知道，今年、明年，甚至未來，我們可預期你都有辦法超收5,000億以上的稅金，這些稅金我們是不是可以用在生小孩這個國家的問題上面？","quality":0.789},{"speaker":"賴委員惠員","start":"2026-05-20T10:22:06.075000+08:00","guessed":false,"end":"2026-05-20T10:22:08.237000+08:00","text":"我們共同來解決這個問題，就是針對稅的部分。","quality":1},{"speaker":"莊部長翠雲","start":"2026-05-20T10:22:12.292000+08:00","guessed":false,"end":"2026-05-20T10:22:15.374000+08:00","text":"稅收來以後會進入國庫，國庫做資源的配置。","quality":1},{"speaker":"莊部長翠雲","start":"2026-05-20T10:22:15.674000+08:00","guessed":false,"end":"2026-05-20T10:22:32.341000+08:00","text":"在資源配置上再強化有關對於養育、教育家庭的負擔上，可以去讓他做有關的減負擔而且增福利；在環境上，讓育兒的職場環境能夠更友善，讓婦女朋友們以及家長們可以有更好的、友善的……","quality":0.961},{"speaker":"賴委員惠員","start":"2026-05-20T10:22:32.341000+08:00","guessed":true,"end":"2026-05-20T10:22:33.341000+08:00","text":"部長，看起來你慢慢的越來越有這樣的思維。","quality":0},{"speaker":"莊部長翠雲","start":"2026-05-20T10:22:33.341000+08:00","guessed":true,"end":"2026-05-20T10:22:34.341000+08:00","text":"對、是的。","quality":0},{"speaker":"賴委員惠員","start":"2026-05-20T10:22:32.501000+08:00","guessed":false,"end":"2026-05-20T10:22:33.262000+08:00","text":"我們如果用現行的租稅制度對育兒的支持，我還是要再問你夠不夠？","quality":0.929},{"speaker":"賴委員惠員","start":"2026-05-20T10:22:33.262000+08:00","guessed":false,"end":"2026-05-20T10:23:04.240000+08:00","text":"就是說我們小朋友在學前特別扣除額的現況，現在第一個小孩是15萬，第二個是22.5萬元，可是這個稅法其實已經成立太久了，物價早就跟當年不相同了。","quality":0.967},{"speaker":"賴委員惠員","start":"2026-05-20T10:23:04.960000+08:00","guessed":false,"end":"2026-05-20T10:23:18.647000+08:00","text":"你看，奶粉價格也上升了、托育費也增加了、房租也上漲了，教育跟醫療的支出都提高了，但是你的扣除額調整的幅度其實是有限的。","quality":0.943},{"speaker":"賴委員惠員","start":"2026-05-20T10:23:21.188000+08:00","guessed":false,"end":"2026-05-20T10:23:42.992000+08:00","text":"依所得稅法第十七條規定，照顧滿70歲以上……就是照顧70歲以上的雙親者，將免稅額增加到50%，那可不可能針對沒有收入的這些小孩子來提高，讓他有更高的免稅額呢？","quality":0.848},{"speaker":"賴委員惠員","start":"2026-05-20T10:23:44.605000+08:00","guessed":false,"end":"2026-05-20T10:23:47.706000+08:00","text":"就是沒有生產力、沒有收入能力的小孩。","quality":0.875},{"speaker":"莊部長翠雲","start":"2026-05-20T10:23:49.447000+08:00","guessed":false,"end":"2026-05-20T10:23:52.368000+08:00","text":"我想委員剛剛的提議是可以思考的方向。","quality":1},{"speaker":"賴委員惠員","start":"2026-05-20T10:23:53.629000+08:00","guessed":false,"end":"2026-05-20T10:23:54.809000+08:00","text":"這是一個你可以思考的方向？是。","quality":0.769},{"speaker":"賴委員惠員","start":"2026-05-20T10:23:55.489000+08:00","guessed":false,"end":"2026-05-20T10:23:57.130000+08:00","text":"所以也可以考慮看看？","quality":1},{"speaker":"莊部長翠雲","start":"2026-05-20T10:23:57.130000+08:00","guessed":true,"end":"2026-05-20T10:23:58.250000+08:00","text":"是可以考慮。","quality":0},{"speaker":"賴委員惠員","start":"2026-05-20T10:23:58.250000+08:00","guessed":false,"end":"2026-05-20T10:23:58.951000+08:00","text":"你可以考慮看看。是。","quality":0.75},{"speaker":"賴委員惠員","start":"2026-05-20T10:24:01.252000+08:00","guessed":false,"end":"2026-05-20T10:24:21.127000+08:00","text":"針對六歲以下的小朋友，如果企業對員工發放了生育補助金，讓孩子在滿兩歲以前，不論金額大小，全額都免稅，有沒有辦法這樣來鼓勵我們的企業？","quality":0.933},{"speaker":"賴委員惠員","start":"2026-05-20T10:24:23.016000+08:00","guessed":false,"end":"2026-05-20T10:24:24.357000+08:00","text":"你們是否曾經有過這樣的思維？","quality":0.308},{"speaker":"莊部長翠雲","start":"2026-05-20T10:24:24.357000+08:00","guessed":false,"end":"2026-05-20T10:24:31.541000+08:00","text":"有關這樣的一個作法，我們是不是可以進一步跟委員了解一下，所謂全部都免稅是什麼……","quality":0.889},{"speaker":"賴委員惠員","start":"2026-05-20T10:24:31.541000+08:00","guessed":false,"end":"2026-05-20T10:24:45.550000+08:00","text":"就是說臺灣的企業在友善生育的制度上仍然不足，許多企業其實是不願意增加幼兒的福利，他們擔心會增加成本，所以誘因非常缺乏。","quality":0.927},{"speaker":"賴委員惠員","start":"2026-05-20T10:24:46.971000+08:00","guessed":false,"end":"2026-05-20T10:25:03.100000+08:00","text":"如果政府可以提供租稅的優惠，它可能會帶來：對企業增加生育補助的意願，也會提供留才的能力、減少員工生小孩的焦慮、增加生孩子的意願。","quality":0.879},{"speaker":"賴委員惠員","start":"2026-05-20T10:25:04.721000+08:00","guessed":false,"end":"2026-05-20T10:25:05.882000+08:00","text":"我在這裡請教部長……","quality":1},{"speaker":"莊部長翠雲","start":"2026-05-20T10:25:06.323000+08:00","guessed":false,"end":"2026-05-20T10:25:17.890000+08:00","text":"委員您剛剛提到企業對於員工生育諸多的補助，這個部分是可以列為企業所得裡面的一個減項、是可以列為減項的。","quality":0.979},{"speaker":"賴委員惠員","start":"2026-05-20T10:25:18.291000+08:00","guessed":false,"end":"2026-05-20T10:25:21.093000+08:00","text":"有沒有辦法用來抵扣其營所稅呢？","quality":0.857},{"speaker":"莊部長翠雲","start":"2026-05-20T10:25:21.913000+08:00","guessed":false,"end":"2026-05-20T10:25:26.837000+08:00","text":"這個部分如果作為減項的話，那他要課稅的所得自然就會下降了，稅也會下降。","quality":1},{"speaker":"賴委員惠員","start":"2026-05-20T10:25:27.317000+08:00","guessed":false,"end":"2026-05-20T10:25:29.378000+08:00","text":"對啊，你們有沒有這樣的一個思維呢？","quality":1},{"speaker":"莊部長翠雲","start":"2026-05-20T10:25:30.626000+08:00","guessed":false,"end":"2026-05-20T10:25:30.966000+08:00","text":"現在已經可以這樣子了。","quality":1},{"speaker":"賴委員惠員","start":"2026-05-20T10:25:30.986000+08:00","guessed":false,"end":"2026-05-20T10:25:31.206000+08:00","text":"可是就是誘因不足啊！","quality":1},{"speaker":"賴委員惠員","start":"2026-05-20T10:25:31.286000+08:00","guessed":false,"end":"2026-05-20T10:25:31.547000+08:00","text":"可以再增加？","quality":1},{"speaker":"賴委員惠員","start":"2026-05-20T10:25:31.547000+08:00","guessed":true,"end":"2026-05-20T10:25:32.547000+08:00","text":"有沒有辦法再增加？","quality":0},{"speaker":"莊部長翠雲","start":"2026-05-20T10:25:31.767000+08:00","guessed":false,"end":"2026-05-20T10:25:54.306000+08:00","text":"跟委員報告，行政團隊會提出一個整體的報告，這裡面包含生、養、育各方面、方方面面的支撐，包含增福利、減負擔，以及多一些彈性，這部分會提出來的。","quality":0.983},{"speaker":"賴委員惠員","start":"2026-05-20T10:25:55.948000+08:00","guessed":false,"end":"2026-05-20T10:26:22.910000+08:00","text":"部長，我們大家都知道少子化不會是單一部會的問題，其實它有涉及到勞動、教育、社福、社宅、托育等等，其實這些問題非常多，而財政政策也是國家價值最直接的展現，所以我希望財政部針對以下事項於兩週內給予本席一個書面報告。","quality":0.842},{"speaker":"莊部長翠雲","start":"2026-05-20T10:26:23.430000+08:00","guessed":false,"end":"2026-05-20T10:26:24.951000+08:00","text":"是不是給我們一個月的時間？","quality":1},{"speaker":"賴委員惠員","start":"2026-05-20T10:26:24.951000+08:00","guessed":true,"end":"2026-05-20T10:26:37.081500+08:00","text":"好，一個月的時間，就是針對扶養子女的免稅額提高，還有幼兒學前特別扣除額的提升、生育補助免所得稅、幼兒免稅額加成、第二胎以上的優惠、企業生育補助所得稅的減免。","quality":0.029},{"speaker":"莊部長翠雲","start":"2026-05-20T10:26:37.081500+08:00","guessed":true,"end":"2026-05-20T10:26:49.212000+08:00","text":"好，我們提報告。","quality":0},{"speaker":"賴委員惠員","start":"2026-05-20T10:26:49.212000+08:00","guessed":false,"end":"2026-05-20T10:26:52.214000+08:00","text":"接下來我們請金管會副主委，部長你請留步。","quality":0.833},{"speaker":"賴委員惠員","start":"2026-05-20T10:26:53.655000+08:00","guessed":false,"end":"2026-05-20T10:27:00.400000+08:00","text":"關於公股併公股與金融競爭力，臺灣的金融市場公股的占比有沒有過高？","quality":0.867},{"speaker":"賴委員惠員","start":"2026-05-20T10:27:01.540000+08:00","guessed":false,"end":"2026-05-20T10:27:11.167000+08:00","text":"在這裡我先請教副主委，你認為臺灣的公股行庫占比接近一半的金融市場會不會太高呢？","quality":1},{"speaker":"陳副主任委員彥良","start":"2026-05-20T10:27:12.950000+08:00","guessed":false,"end":"2026-05-20T10:27:25.787000+08:00","text":"在這個部分，我們在國家政策推動上，其實公股有許多是支持國家政策，至於占比有沒有過高這個部分，恐怕是比較難以回答。","quality":0.941},{"speaker":"賴委員惠員","start":"2026-05-20T10:27:25.967000+08:00","guessed":false,"end":"2026-05-20T10:27:26.828000+08:00","text":"難以回答？對。","quality":1},{"speaker":"陳副主任委員彥良","start":"2026-05-20T10:27:26.968000+08:00","guessed":false,"end":"2026-05-20T10:27:27.449000+08:00","text":"另外一點……","quality":1},{"speaker":"賴委員惠員","start":"2026-05-20T10:27:30.332000+08:00","guessed":false,"end":"2026-05-20T10:27:37.694000+08:00","text":"副座，你說難以回答，那我把一些數據跟你做一個分享。","quality":0.818},{"speaker":"賴委員惠員","start":"2026-05-20T10:27:39.495000+08:00","guessed":false,"end":"2026-05-20T10:27:48.758000+08:00","text":"在美國，公股占不到1%；在韓國跟日本只占了20%，就只有臺灣在本國銀行系統占48%到52%。","quality":0.857},{"speaker":"賴委員惠員","start":"2026-05-20T10:27:50.038000+08:00","guessed":false,"end":"2026-05-20T10:28:06.670000+08:00","text":"所以我要請問財政部長，因為剛剛副主委他講說有過高了，金融市場需要充分競爭，這個我們大家都知道，如果國家掌握了近半的金融市場，這個金融市場會是健康的嗎？","quality":0.971},{"speaker":"賴委員惠員","start":"2026-05-20T10:28:06.670000+08:00","guessed":false,"end":"2026-05-20T10:28:18.442000+08:00","text":"臺灣靠近的、鄰近的國家，即韓國跟日本的模式，他們也是高度市場化的模式。","quality":0.968},{"speaker":"賴委員惠員","start":"2026-05-20T10:28:19.002000+08:00","guessed":false,"end":"2026-05-20T10:28:26.887000+08:00","text":"你看，國票金改選以後，其實又多增加了一個公股的勢力，這是金管會樂見的？","quality":0.903},{"speaker":"賴委員惠員","start":"2026-05-20T10:28:27.267000+08:00","guessed":false,"end":"2026-05-20T10:28:28.208000+08:00","text":"財政部是樂見的？","quality":1},{"speaker":"賴委員惠員","start":"2026-05-20T10:28:29.289000+08:00","guessed":false,"end":"2026-05-20T10:28:29.629000+08:00","text":"誰回答我？","quality":1},{"speaker":"賴委員惠員","start":"2026-05-20T10:28:29.889000+08:00","guessed":false,"end":"2026-05-20T10:28:31.190000+08:00","text":"好，部長你回答我。","quality":1},{"speaker":"莊部長翠雲","start":"2026-05-20T10:28:32.803000+08:00","guessed":false,"end":"2026-05-20T10:28:38.206000+08:00","text":"跟委員報告，您所謂的公股金融事業是不是占了市場一大半，我想剛剛金管會副主委已經答復了。","quality":0.95},{"speaker":"莊部長翠雲","start":"2026-05-20T10:28:38.526000+08:00","guessed":false,"end":"2026-05-20T10:28:53.394000+08:00","text":"公股金融事業當然在經營的部分也持續地在精進、跟市場在做競爭，事實上它也是跟市場在做競爭，同時它也肩負了政府某些政策任務要去達成，我想它有一定的意義在裡面。","quality":0.944},{"speaker":"賴委員惠員","start":"2026-05-20T10:28:54.095000+08:00","guessed":false,"end":"2026-05-20T10:28:56.196000+08:00","text":"好，部長，因為我的時間到了，主席已經站出來。","quality":0.833},{"speaker":"賴委員惠員","start":"2026-05-20T10:28:56.836000+08:00","guessed":false,"end":"2026-05-20T10:28:59.918000+08:00","text":"20年後的公股行庫競爭力為什麼會下滑？","quality":1},{"speaker":"賴委員惠員","start":"2026-05-20T10:29:00.378000+08:00","guessed":false,"end":"2026-05-20T10:29:07.561000+08:00","text":"這個大家非常的清楚，不管是ROA、ROE還是淨利差，其實都非常非常的清楚。","quality":1},{"speaker":"賴委員惠員","start":"2026-05-20T10:29:09.162000+08:00","guessed":false,"end":"2026-05-20T10:29:17.066000+08:00","text":"最後，站在金融市場發展的立場上，我們要這麼多公股行庫幹什麼？","quality":0.963},{"speaker":"賴委員惠員","start":"2026-05-20T10:29:17.066000+08:00","guessed":false,"end":"2026-05-20T10:29:18.787000+08:00","text":"我們是不是應該研擬公股併公股？","quality":0.786},{"speaker":"賴委員惠員","start":"2026-05-20T10:29:20.988000+08:00","guessed":false,"end":"2026-05-20T10:29:22.268000+08:00","text":"有沒有機會？","quality":1},{"speaker":"賴委員惠員","start":"2026-05-20T10:29:22.268000+08:00","guessed":false,"end":"2026-05-20T10:29:26.650000+08:00","text":"其實公股管理20年，競爭力為什麼一直衰退？","quality":1},{"speaker":"賴委員惠員","start":"2026-05-20T10:29:27.230000+08:00","guessed":false,"end":"2026-05-20T10:29:29.651000+08:00","text":"所以我希望你們提出這樣的報告給本席，兩個月沒有關係，好不好？","quality":0.926},{"speaker":"莊部長翠雲","start":"2026-05-20T10:29:29.651000+08:00","guessed":true,"end":"2026-05-20T10:29:30.651000+08:00","text":"好，我們提書面報告，謝謝委員，兩個月。","quality":0.267},{"speaker":"主席","start":"2026-05-20T10:29:30.651000+08:00","guessed":true,"end":"2026-05-20T10:29:31.651000+08:00","text":"謝謝，好，提書面報告，謝謝賴惠員委員的質詢。","quality":0.278},{"speaker":"主席","start":"2026-05-20T10:29:29.791000+08:00","guessed":false,"end":"2026-05-20T10:29:30.011000+08:00","text":"接下來請劉委員書彬委員。","quality":0.636}]}},"supported_relations":[],"relations":[]}