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資本額貸款>新竹青年創業貸款

DISSENTING VOICES: Some participants called for a less drastic reduction in the income replacement rate of public servants, according to NTU sociology professor Fu Tsung-hsi

By Stacy Hsu / Staff reporter

About 200 representatives from local industries and the political community yesterday attended a closely watched national affai

買房貸款rs conference on pension reform.

The conference, held at the Presidential Office Building, was the culmination of the government’s efforts to solicit opinions from all walks of life on pension reform, which has included 20 preparatory committee meetings and four regional forums over the past six months.

The confer

遠東銀行車貸利率ence was attended by 192 people, including representatives from various industries, lawmakers and political leaders.

Attendees were divided into three groups: group one focused on pension payments and eligibility; group two discussed issues related to the management and sources of pension funds; and group three concentrated on pension system structures, special insured status and the transferability of working years across sectors.

Group one attracted the most attention, with 75 people, followed by group three with 67 attendees. Group two had 46 participants.

After the groups met, three academics were invited to deliver a summary report of the groups’ opinions: Fu Tsung-hsi （傅從喜）, a sociology professor at National Taiwan University; Frances Shao （邵靄如）, a professor in Ming Chuan University’s Department of Risk Management and Insurance; and Taiwan Research Institute deputy dean Annie Lee （李安妮）.

Listing several points mentioned in group one, Fu said some participants called for a less drastic reduction in the income replacement rate of public servants, which, according to the government’s draft plan, is to be gradually reduced to “60 percent of two times” a civil employee’s basic salary.

As for the period over which salary averages are cal

軍人房屋貸款率利culated, participants were divided between a shorter timefr

代辦及房貸試算表下載ame of five or 10 years and the government’s proposed version of 15 years, Fu said.

The controversial 18 percent preferential interest rate on civil servants’ savings was also a contentious to

青年購屋低利貸款及勞工貸款105年pic in group one. Some people said that the rate should be reduced, but not to zero, while others said it should be phased out within three years, rather than the proposed six years.

Most participants chose NT$32,160 over NT$25,000 as the floor for public servants’ pension payment, with attendees also calling for a floor to private-sector workers’ monthly pension payments, ranging from

民間貸款NT$11,000 to NT$19,000, Fu said.

Group two participants urged for a more open and diversified approach to manage pension funds, the establishment of a special pension fund management organization and a higher amount of annual state funding, Shao said.

There were also suggestions that a separate pension fund be created for the younger generations, Shao added.

Group three participants generally supported the government’s plan to carry out pension ref

新北二胎房貸利率orm in two stages, but believed efforts should be made in the first stage to unify the main aspects of different pension funds, such as pension eligibility and retirement age, Lee said.

“Other opinions included conducting assessments of the nation’s pension systems every five to 10 years, setting up a permanent pension reform organization and drawing up a ‘pension standard act,’” Lee said.

Calls for the protection of the rights of women who are only covered by the National Pension after quitting their jobs for family reasons, as well as a special pension scheme for foreign affairs personnel — due to the nature of the profession — were also heard, Lee added.

Group three also saw brief heated exchanges between representatives of the Chinese Nationalist Party （KMT） and the Democratic Progressive Party （DPP）, when DPP spokesman Chang Chih-hao （張志豪） blasted previous KMT administrations for failing to reform the pension system.

Minister Without Portfolio Lin Wan-i （林萬億）, the deputy convener and executive director of the Presidential Office’s pension reform committee, told a post-meeting news conference that participants who did not fully express their opinions at the conference were welcome to send follow-up information to the committee.

“All the opinions voiced at the three groups will be organized and considered when the government draws up an act or amendment. Given their great variety, we will include those we think can be implemented immediately and save those that cannot to future discussions,” Lin said.

The committee hopes to send a dra

理財型房貸ft bill to lawmakers no later than May 20, adding that an impact assessment report would be published later, Lin said.

新聞來源：TAIPEI TIMES

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（中央社記者曹宇帆拉斯維加斯5日專電）光陽機車與拓連科技開發車聯網系統Noodoe，將智慧儀表板、手機App以及機車手把旁控制鍵連結，讓騎機車變得更有趣。光陽在拉斯維加斯 CES消費電子展再度秀出Noodoe。 光陽在去年11月「2016 義大利國際摩托車展」（簡稱米蘭車展）已發布Noodoe。 以往機車的儀表板只能固定顯示時速、油量等資訊，而台灣光陽（KYMCO）把儀表板導入網路科技與個人化介面。 下載App至智慧型手機，就可以把儀表猶如臉書頁面，更換識別個人喜好的大頭貼，於是在車聯網Noodoe裡的騎士組成了可互通有無的社群，使騎機車變得有趣，更是生活的體驗。 不僅如此，光陽與拓連科技開發的Noodoe，透過藍芽與手機連結，還可操控機車儀表板，顯示時速、天氣、時間、手機訊息如未接來電與Line等，並可讀取電郵。 此外，Noodoe車聯網能提示機車騎士所在附近如加油站、便利商店等，也能顯示特定地點的相對位置與距離資訊，像是設定好友群組，加入車聯網的好友在哪裡，可以完全掌握不漏接。 光陽機車董事長柯勝(峰)指出，光陽與拓連的合作，打造機車不只是交通工具，更是多功能的社交平台，使人際之間的互動更緊密，光陽日後其他新車種，將標配車聯網功能。 他說，光陽與拓連的合作，接下來將更深入車聯網更多層面應用，提升多元化的服務。1060106

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中華信評對台灣銀行業信評展望公布最新看法，中華信評資深經理藍于涵18日指出，台灣銀行業可以因今年經濟成長略微提升之際，小幅加快放款成長速度，但不利於營收的負面條件也不少，如淨利息收益率僅有1個百分點，銀行保險業務手續費收入增長動能疲弱，預估獲利能力仍面臨壓力，平均資產報酬率（ROAA）應和2016年的0.6％相同。

中華信評分析，台灣銀行業信用結構近年逐步趨穩的兩大因素，其一是房地產價格逐年下滑，過去兩年已分別下滑10％，預料今年下修幅度將縮小至3％，並於明年趨穩；其二，持續降低大陸曝險部位，已由2015年底的649億美元降至2016年底的569億美元，預估大陸曝險還會續降。

中華信評分析，川普每每發言都會刺激美元升值、債券殖利率震盪，台灣保險業向來持有龐大美元資產部位，原可帶來評價利得，也因「川普風險」被迫需要增加外匯避險成本，應會導致資本利得減少，預估壽險業2017年平均資產報酬率將從2016年的0.5％，今年略為下降至0.4％。

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