[新聞] 四大行庫13趴 去年政府補貼47億全民買
〔記者鍾麗華/台北報導〕新政府年金改革備受矚目,不過,除退休軍公教的十八趴,公
營行庫現職與退休員工存款也享有十三趴優存利率,中央銀行、台灣銀行、土地銀行、中
國輸出入銀行等四大公營行庫前年利息補貼達四十七億元,由全民買單。新政府的年金改
革委員會內定執行長林萬億表示,已注意到此議題,會把相關資料蒐集後,送年金改革委
員會討論。
林萬億︰送新政府年金改委會討論
行政院曾在九十六年十一月核定「財政部所屬國營銀行十三%優惠存款改進方案」,翌年
起實施。改革案優存利率仍是十三%,但存款訂有上限,現職行員四十八萬元、工員廿八
萬元,退休人員優存為五百萬元。而改革案前,即九十七年前的年資退休優存仍以十三%
計息,之後年資改以三年期定存利率加碼三%。
但改革後的十三%優存仍相當優惠,以四十八萬元換算,一年利息收益達六萬二千四百元
;一般民眾須存五○八萬元,要花十.六倍的成本,才有相等收入。而五百萬元退休金額
度,每年利息收入高達六十五萬元,每月利息收入約五.四萬元,比年輕人二十二K月薪
還多出一倍以上。
民營化3公股銀行 也享13趴
除政府持有的四大行庫外,已民營化的三商銀、兆豐銀行、合庫等公股銀行員工,也享有
十三趴的好處,利息補貼會侵蝕獲利,等於吃投資人「豆腐」,且因政府是其最大股東,
國庫收益也連帶受影響。
三年多前,馬政府提出的年金改革方案,並不包括公營金融機構,但銓敘部官員認為,十
三趴如未納入年金改革方案,不符公平正義。銀行行員向來被認為捧「金飯碗」,九十七
年改革幅度過小,優存利率仍維持十三趴,而改革後年資以三年期定存利率加碼三%,但
現在一般民眾存款,一年期定存利率也僅一%。
林萬億表示,最近的確有人提到十三趴議題,年金改革委員會將把不同職業別、不同意見
納入討論,公營事業民營化後,有不同處理、不同待遇,各種案例都會掀開來討論,儘量
蒐集不同資料。新政府的年金改革,一定會對不同職業別,做到公平對待,對於過當保護
,加以正視處理。
心得:
年金改革如火如荼,火也燒到銀行了,會不會因為18%人數眾多砍不動,轉而砍人數少的1
3%來轉移目標呢?
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