{"error":false,"id":["170314"],"data":{"IVOD_ID":170314,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/170314","日期":"2026-07-08","會議資料":{"會議代碼":"委員會-11-5-20-21","會議代碼:str":"第11屆第5會期財政委員會第21次全體委員會議","屆":11,"會期":5,"會次":21,"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21次全體委員會議"},"影片種類":"Clip","開始時間":"2026-07-08T09:12:30+08:00","結束時間":"2026-07-08T09:24:19+08:00","影片長度":"00:11:49","支援功能":["ai-transcript"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/4fafa81be08c8210bb268b5534ea77d3203c8b184455ea8195bb850ba734243105516ffde792dc4e5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"林德福","委員發言時間":"09:12:30 - 09:24:19","會議時間":"2026-07-08T09:00:00+08:00","會議名稱":"立法院第11屆第5會期財政委員會第21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附屬單位預算營業部分，有關財政部主管臺灣土地銀行股份有限公司、財政部印刷廠、臺灣菸酒股份有限公司。（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營業部分，有關金融監督管理委員會主管中央存款保險股份有限公司。（僅詢答）\n三、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，有關金融監督管理委員會主管：（僅詢答）\n(一)特別收入基金－金融監督管理基金。\n(二)信託基金－保險業務發展基金。\n【7月8日及9日兩天一次會】）","transcript":{"pyannote":[{"speaker":"SPEAKER_00","start":15.083468750000002,"end":21.31034375},{"speaker":"SPEAKER_00","start":21.394718750000003,"end":24.145343750000002},{"speaker":"SPEAKER_02","start":22.559093750000002,"end":23.68971875},{"speaker":"SPEAKER_00","start":28.887218750000002,"end":30.22034375},{"speaker":"SPEAKER_00","start":30.74346875,"end":38.59034375},{"speaker":"SPEAKER_00","start":38.96159375,"end":59.07659375},{"speaker":"SPEAKER_00","start":59.970968750000004,"end":80.00159375},{"speaker":"SPEAKER_00","start":80.10284375,"end":100.48784375000001},{"speaker":"SPEAKER_02","start":101.24721875,"end":132.36471875},{"speaker":"SPEAKER_00","start":116.36721875,"end":116.67096875000001},{"speaker":"SPEAKER_00","start":129.95159375,"end":132.46596875},{"speaker":"SPEAKER_02","start":132.46596875,"end":132.75284375},{"speaker":"SPEAKER_00","start":132.75284375,"end":148.27784375000002},{"speaker":"SPEAKER_02","start":133.68096875,"end":134.01846875},{"speaker":"SPEAKER_00","start":148.42971875,"end":150.91034375},{"speaker":"SPEAKER_00","start":151.21409375000002,"end":161.67659375000002},{"speaker":"SPEAKER_00","start":162.23346875000001,"end":167.21159375000002},{"speaker":"SPEAKER_00","start":167.68409375000002,"end":169.13534375},{"speaker":"SPEAKER_00","start":169.59096875,"end":189.14909375000002},{"speaker":"SPEAKER_00","start":189.58784375000002,"end":192.67596875},{"speaker":"SPEAKER_00","start":193.18221875,"end":206.47971875000002},{"speaker":"SPEAKER_02","start":206.81721875000002,"end":226.66221875000002},{"speaker":"SPEAKER_00","start":215.38971875000001,"end":215.98034375},{"speaker":"SPEAKER_00","start":220.03034375000001,"end":220.67159375000003},{"speaker":"SPEAKER_00","start":224.26596875,"end":226.79721875},{"speaker":"SPEAKER_00","start":227.06721875000002,"end":250.65846875000003},{"speaker":"SPEAKER_00","start":250.89471875,"end":254.96159375000002},{"speaker":"SPEAKER_00","start":255.36659375000002,"end":255.78846875000002},{"speaker":"SPEAKER_02","start":255.78846875000002,"end":267.17909375},{"speaker":"SPEAKER_00","start":258.40409375,"end":259.95659375},{"speaker":"SPEAKER_00","start":260.53034375000004,"end":261.66096875},{"speaker":"SPEAKER_00","start":264.51284375,"end":303.20721875000004},{"speaker":"SPEAKER_02","start":269.77784375000005,"end":271.17846875000004},{"speaker":"SPEAKER_02","start":271.51596875,"end":272.02221875000004},{"speaker":"SPEAKER_02","start":273.16971875,"end":274.01346875},{"speaker":"SPEAKER_02","start":304.57409375000003,"end":335.91096875},{"speaker":"SPEAKER_00","start":316.82534375,"end":317.09534375000004},{"speaker":"SPEAKER_00","start":332.36721875,"end":334.44284375},{"speaker":"SPEAKER_00","start":334.79721875,"end":338.71221875000003},{"speaker":"SPEAKER_02","start":337.81784375,"end":342.12096875000003},{"speaker":"SPEAKER_00","start":341.42909375000005,"end":342.15471875000003},{"speaker":"SPEAKER_00","start":342.66096875,"end":373.12034375},{"speaker":"SPEAKER_00","start":373.47471875,"end":392.29034375000003},{"speaker":"SPEAKER_00","start":392.42534375,"end":398.29784375},{"speaker":"SPEAKER_02","start":398.56784375,"end":409.68846875},{"speaker":"SPEAKER_02","start":409.94159375000004,"end":434.03909375},{"speaker":"SPEAKER_02","start":434.44409375000004,"end":436.89096875},{"speaker":"SPEAKER_00","start":434.62971875000005,"end":434.84909375},{"speaker":"SPEAKER_00","start":437.09346875000006,"end":456.83721875000003},{"speaker":"SPEAKER_02","start":443.94471875000005,"end":444.68721875000006},{"speaker":"SPEAKER_00","start":457.63034375,"end":485.71034375000005},{"speaker":"SPEAKER_00","start":485.86221875,"end":489.10221875},{"speaker":"SPEAKER_00","start":489.23721875,"end":496.24034375},{"speaker":"SPEAKER_00","start":496.27409375,"end":510.31409375000004},{"speaker":"SPEAKER_02","start":510.66846875000005,"end":532.15034375},{"speaker":"SPEAKER_00","start":532.15034375,"end":535.32284375},{"speaker":"SPEAKER_00","start":536.3015937499999,"end":536.89221875},{"speaker":"SPEAKER_00","start":537.48284375,"end":584.5303437499999},{"speaker":"SPEAKER_01","start":584.5303437499999,"end":592.32659375},{"speaker":"SPEAKER_01","start":592.5290937500001,"end":614.0109687500001},{"speaker":"SPEAKER_00","start":614.0109687500001,"end":614.0278437500001},{"speaker":"SPEAKER_00","start":614.6184687500001,"end":614.65221875},{"speaker":"SPEAKER_01","start":614.65221875,"end":615.0234687500001},{"speaker":"SPEAKER_00","start":615.0234687500001,"end":615.7153437500001},{"speaker":"SPEAKER_00","start":615.8503437500001,"end":618.5165937500001},{"speaker":"SPEAKER_00","start":618.9384687500001,"end":6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沒有差這幾天沒有其他的特別所謂資金的因素是沒有的因為針對財政部印刷廠人力的應用立法院預算中心指出有七成的員工為中高齡者而且在一一九年度以前借齡退休的超過三成百分之三十恐怕面臨人力缺口以及經驗的斷層"},{"start":362.256,"end":389.029,"text":"那財政部我希望說在這方面要及早因應因為隨著電子花票越來越普及那紙本花票需求講實在話越來越低那財政部印刷廠業務逐漸的萎縮再加上借零退休可能造成經驗上的斷層那我請問部長有沒有考慮將財政部印刷廠的人力跟業務與其他部門"},{"start":390.29,"end":417.118,"text":"的印刷單位來進行合併例如說這個中央銀行的中央印刷廠有沒有這樣的一個想法跟委員報告我想財政部印刷廠他目前來說他的業務當然因為隨著雲端發票的使用所以資本發票運用上來的低但是目前還是有資本發票在使用那當然他的業務除了發票的印製之外還有其他的業務的必須要進他現在還有其他的印刷的業務在做"},{"start":417.608,"end":434.743,"text":"那在技術上的精進是一直在追求的一個精進讓防偽的標籤等等都可以做一些印製讓在市面上不管是食品方面都可以做運用那另外我們也希望它能夠拓圓多元化的一個營運方式讓印刷廠的營運能夠更好"},{"start":437.15,"end":456.664,"text":"好啦我是希望說因為你有那麼多人要退休齁種種的問題你們要未雨綢繆啦是好謝謝委員部長因為八威颱風齁本週末有很高的機率會對台灣造成影響那本期是希望颱風災損啊能夠降到最低那如果民眾啊"},{"start":457.705,"end":476.298,"text":"遇到天災造成財損的時候依照所得稅法十四細則第十條之一啊需在三十天內提出災損的減免同條也規定若超過規定時間民眾啊能夠提出確確證據來證明財產損失的確實是屬實基層機關應該要核實來認定那本期是希望說財政部基於從寬從速"},{"start":486.044,"end":508.299,"text":"重減的原則讓民眾有充裕的時間來整理家園來積極協助受災納稅義務人申報各項這個稅捐的減免事宜那如果真的來不及在30天內申報稅捐機關也要給予民眾最大寬限的時間來申報災損有什麼看法"},{"start":510.811,"end":516.754,"text":"我非常認同委員這樣的一個意見那災損以後造成民眾的一個財產損失其實我們要考量第一個在時間上應該給予寬裕第二個在減負的文件上應該給予簡化這個也是歷來我們一直都在做的這個部分我們會我們希望不要造成災害但是如果造成災害造成民眾財產損失的話我們一定會朝這個方向來做的好謝謝那你請回那個請那個彭主委"},{"start":537.541,"end":554.475,"text":"因為台股交易熱絡 股市資金需求提升民眾四代同堂以外 甚至有六代同堂這種現象 生怕錯過牛市然而股市資金需求恐怕排擠到一般的產業以民眾的貸款"},{"start":555.495,"end":584.225,"text":"那根據媒體的報導央行今年以來定期存單未到其餘額明顯下降那市場的資金獲得挹注央行上半年釋放資金的活水超過一兆元喔超過一兆那我請問彭主委如何順利引導央行釋放的資金來鼓勵銀行將資金投放到非股市交易的需求"},{"start":584.685,"end":610.834,"text":"是謝謝委員我想有關資金的部分我們其實都有在嚴密的在掌控我們也有看到就是說我們最近這段時間銀行的存款是有大幅增加放款也同步的增加但是我們也看大部分都還是流入到企業的放款居多那其實在這個部分我也會跟央行密切的保持聯繫昨天看到這新聞我有跟央行這邊做一些討論我們想我們會兩個部會會來針對這件事情來一起處理好"},{"start":614.653,"end":630.708,"text":"另外最近美國聯準聯邦準備理事會來公布年度壓力測試的結果顯示美國大型銀行在面對嚴峻的全球經濟衰退情況下"},{"start":632.009,"end":646.484,"text":"能夠承受超過7080億美元的潛在損失同時也維持對家庭與企業換款的能力具備充足的資金抵禦嚴重的經濟衰退證實美國銀行體系的穩健性反觀2025年金管會"},{"start":654.211,"end":669.959,"text":"對銀行業保險業的壓力測試結果當時有三家銀行業五家保險業在嚴重的情境之下的加壓測試不合格那我請問彭主委如果2026年全球經濟反轉"},{"start":672.338,"end":688.425,"text":"那國內銀行或保險業者是否有足夠的能力來承受可能的損失以因應環境之變化是 謝謝委員其實這是我們一直關心的問題其實各位如果委員可以看假設剛剛委員關心銀行請出一簡答對 銀行的話"},{"start":690.567,"end":707.362,"text":"現在不管他的資本氏族率背底呆帳率還有他的整個的整個體質我覺得都是一個屬於非常強健的時候我想這部分因應這些波動我們會隨時來注意我希望說金管會在這方面多去琢磨多用一點心謝謝委員提醒"}]}},"supported_relations":[],"relations":[]}