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台新銀行房貸利率比較2017



富邦銀行就學貸款部



▲美軍最新型匿蹤戰鬥機F-35B(F-35B Lightning II)進駐日本山口縣岩國基地,外界研判是針對解放軍的殲-20而來。(圖/翻攝自美國空軍官網)

國際中心/綜合報導

日本自衛隊將在當地時間23日至27日進行演習,內容設想為「中國與台灣發生軍事衝突」時應對方式,引起中國強烈不滿。大陸某位匿名國防官員對官媒《環球時報》表示,「若此報導屬實,將是對中日關係(特別是中日防務關係)的嚴重破壞!」

日本《共同社》稱,該軍事演習將不實際調動部隊,南屯二胎以桌面演練的形式實施,目的為「確認《安保法》實施的實際效果」,演習設想包括出動駐日美軍,但因為美軍這次以「觀察員」身分參加,所以由自衛隊代為演示美軍的運用。

大陸鷹派媒體《環球時報》報導,記者致電至日本防衛省報導部門,相關負責人說,「這種桌面共同訓練是每2年進行一次,屬於例行演習,不會針對任何地區與國家。這次確實要再月末進行相關演習,但因具體內容未確定,所以不能對外公佈。」並強調,若內容確定了會公佈訓練目的,不會針對某個地區和國家。

這位匿名國防部官員對《環時》記者表示,已經注意到日本共同社的報導,若上述報導屬實,則是對中國內政的粗暴干涉,對兩岸關係的蓄意挑撥,對中日關係特別是中日防務關係的嚴重破壞。「我們要求日方確實反省侵略歷史,記取以往教訓,『不要總是耍小心機,搞小動作,以免害人不成反害己』。」

▼日美首次聯合奪島演習陸上自衛隊空降團模擬登釣魚台。(圖/翻攝自NHK)



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房屋二胎貸款

2017-01-2003:00

/ Staff writer, with CNAThe legislature yesterday passed the government’s general budget proposal for fiscal year 2017, after cutting it to NT$1.97 trillion (US$62.3 billion).During the two-week extraordinary session, opposition lawmakers put forward about 500 proposals for budget cuts, but the number was reduced to 63 during cross-caucus negotiations that were chaired by Legislative Speaker Su Jia-chyuan (蘇嘉全).Lawmakers settled on a budget of NT$1.97 trillion, cutting 1.2 percent from the government’s proposed NT$1.99 trillion.The proposed budget has a deficit of NT$132.9 billion and an estimated NT$74 billion for principal payments on government debt, all of which the government said would be covered through loans.At the end of the session, Su commended the party caucuses and legislative staff for their efforts to process major bills, such as amendments to the Long-term Care Services Act (長期照顧服務法) and the Electricity Act (電業法), as well as the budget bill.This was achieved though rational communication, efficiency and order among the caucuses, he said.Su’s performance over the session was praised by New Power Party (NPP) caucus convener Hsu Yung-ming (徐永明).“Swords were drawn over this legislative session and there were even some topics that were not appropriate to handle during a special session, but we support Su’s handling of matters,” Hsu said. “Dealing with the budget, the whole process was relatively smooth.”He expressed regret that his party’s calls for more rigorous pension bonus standards had not won approval, adding that the NPP would support the Democratic Progressive Party’s (DPP) plans for military and economic development.Before the session ended, the legislature, with the DPP’s majority, rejected three budget cut proposals put forward by the KMT caucus, including a proposal to slash the Mainland Affairs Council’s (MAC) budget, which the KMT said was “not thoughtfully planned” and would not improve stagnant relations between Taiwan and China amid a cooling of cross-strait interactions.The KMT said that MAC Minister Katharine Chang (張小月) should be held responsible for the cooling of cross-strait ties since May 20 last year, when President Tsai Ing-wen (蔡英文) took office.The MAC “has obviously misjudged the situation,” the KMT caucus said, adding that the council should outline response strategies within a month and deliver a report about its misjudgement to the legislature’s Internal Administration Committee within two months.However, the budget cut proposals and the request for the MAC to submit a report were voted down by DPP legislators.The DPP controls 68 of the 113 seats in the Legislative Yuan, while the KMT has 35. The NPP has five and the People First Party has three, while the Non-Partisan Solidarity Alliance and an independent have one seat each.KMT proposals to slash the budget for the Ill-gotten Party Assets Settlement Committee and disband the committee were also rejected.The committee was established by the Cabinet in August last year based on the Statute on Handling the Inappropriate Assets of Political Parties and Their Affiliated Organizations (政黨及其附隨組織不當取得財產處理條例). The statute was enacted by the legislature in July last year.According to the regulations, some of the KMT’s property has been frozen pending investigations into party assets.The KMT caucus also proposed cutting the Ministry of Education’s budget, which weighed in during a controversy over a phrase used by Lai He (賴和), the father of Taiwan’s nativist literary movement, that has been cited by the Presidential Office in the spring couplets it plans to give away.The KMT said the ministry’s response amounted to education serving political goals.The next legislative session is to open after the Lunar New Year holiday ends on Feb. 1.Additional reporting by Abraham Gerber新聞來源:TAIPEI TIMES

工商時報【主筆室】

春節期間內閣改組傳聞甚囂塵上,相關報導指出國發會、勞動部、農委會及衛福部皆在檢討名單內。對於內閣成軍僅8個月,閣員正逐漸上手之際,府院高層竟計畫於此刻改組,我們思之再三,期期以為不可。

自2000年以來台灣經濟情勢丕變,由名列亞洲四小龍前茅而至敬陪末座,處境不可謂不慘。猶記1998年金融風暴席捲亞洲,亞鄰諸國哀鴻遍野,惟有台灣平安度過,備受國際讚譽,但最近10多年情況剛好相反,台灣經濟成長乏力,每遇國際經濟風暴則受創最深,對於這個變化,多數人都認為這是產業結構變化,是經濟問題所致,但我們認為這雖是經濟問題,更是政治問題。

何以說台灣經濟疲困如斯是源於政治,試看2000年以來,17年間我們內閣改組了幾次?換了多少位行政院長?總計換了13位行政院長,內閣大大小小改組超過20次,部會首長上上下下不計其數。反觀過去自1978年至2000年達長22年僅任命了6位行政院長,每位閣員任期之長,得以發揮所長,樹立威信。

今天我們提起台灣經濟奇蹟總會想起尹仲容、李國鼎、孫運璿等部會首長,他們得以發揮治理長才,有效推動政策,改革經濟,除了他們的能力、智慧及膽識,內閣穩定,任期夠長也是重要原因。李國鼎當了4年半的經濟部長,7年的財政部長,孫運璿也當了8年的經濟部長,夠長的任期讓他們足以樹立部長的威信,對內可以領導文官,提振士氣,在國會可以不卑不亢,一言九鼎,慨然有雖千萬人吾往矣之勢。

我們以尹仲容為例,他曾任經濟部長、外貿會主委等要職,對台灣經濟貢獻甚大,早年推動「代紡代織」,雖曾引來不少批評,但由於他的堅持,創造了台灣的紡織工業,紡織業於隨後30多年,一直是台灣最大的創匯產業。1960年他出任台灣銀行董事長,台銀雖早已準備發行一百元及五十元面額的鈔票,但由於此前政府曾歷經嚴重通膨,復有發行金圓券、銀圓券失敗的經驗,心生畏懼,遲遲不敢發行,尹仲容從大局著眼,獨排眾議,宣布發行,面對立院強烈反對,他堅定表示:「要是有通膨,由我一個人來負責。」台灣在那個風雨飄搖的年代,還能創造經濟奇蹟,產業還得以轉型,正是因為有許多像尹仲容、李國鼎、孫運璿這樣有膽識的官員。

但我們再想想自2000年以來,我們的內閣讓我們留下什麼印象,有多少部長敢於國會堅持專業慷慨陳詞?有幾位閣揆有那種雖千萬人吾往矣的豪氣?實在是鳳毛麟角,惟一還有尹仲容、李國鼎遺風者,大概只有央行總裁彭淮南,而何以彭總裁能如此?除了其專業素養足以折服立院,其任期夠久足以養望而樹立威信也是重要原因。相反的,如今一任部長只一年半載,甚至不及半年就下台者,雖名為部長,但何曾有部長的實際?由於任期短,內閣的承諾,其誰敢信?如此政治環境企業豈敢投資?企業不投資則經濟豈能好轉?而經濟不好轉,薪資又豈有成長的可能?

我們10多年來政府施政的經濟成果不多,但口號不少,民進黨執政時提出「八一○○,台灣啟動」、「大投資,大溫暖」、又發行「月月有成績公報」、國民黨上來後亦不遑多讓,推動「愛台十二建設」、「經濟動能推升方案」,「經濟體質強化方案」。這些方案此起彼落,但10多年來台灣經濟依舊疲弱不振,實質薪資甚至倒退16年,政策之無效,於此可知。而面對此一困局,既要表明政府有在做事,又要廣納各界看法,於是10多年來內閣又不斷的召開各式全國經濟會議,這些會議的結論早已堆滿檔案架,但對經濟毫無實益可言,如此「以方案養方案」、「以會養會」的施政模式早已證明是無效的,但可悲的是自2000年以來的內閣只會做這些事,而何以內閣只做這些事?其原因就是內閣頻頻改組,試想,一個短命內閣除了創造口號、開全國大會,還能做什麼?

去年民進黨再度執政又提出「亞洲.矽谷」、「數位國家.創新經濟發展方案」等方案,接著恐怕還會開各類全國大會,討論出幾百項共同意見,然後內閣又改組,閣揆及部會首長又換人,接著又進入另一個「開大會,提方案」的循環。如此動盪的內閣,就算有再好的經濟方案,請到有借東風之能的諸葛孔明入閣,恐亦無力回天。

我們要嚴正的告訴蔡總統,台灣過去16年來讓經濟停滯最重要的原因就在於內閣過於動盪,三天兩頭就風聞改組,這是對現任內閣的不尊重,這個政治文化若不加以改革,我們的投資率是不可能提升的,經濟沉淪是必然的宿命,而民怨遲早又將漫天蓋地而來。
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