| IVOD_ID |
151364 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/151364 |
| 日期 |
2024-04-18 |
| 會議資料.會議代碼 |
委員會-11-1-20-9 |
| 會議資料.會議代碼:str |
第11屆第1會期財政委員會第9次全體委員會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
1 |
| 會議資料.會次 |
9 |
| 會議資料.種類 |
委員會 |
| 會議資料.委員會代碼[0] |
20 |
| 會議資料.委員會代碼:str[0] |
財政委員會 |
| 會議資料.標題 |
第11屆第1會期財政委員會第9次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2024-04-18T09:45:31+08:00 |
| 結束時間 |
2024-04-18T09:57:00+08:00 |
| 影片長度 |
00:11:29 |
| 支援功能[0] |
ai-transcript |
| 支援功能[1] |
gazette |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/566e821c95e2b4454d033d8333bd84560525562164469c9cc5dab72e655c1c94d6e9e66fec18c7355ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
吳秉叡 |
| 委員發言時間 |
09:45:31 - 09:57:00 |
| 會議時間 |
2024-04-18T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第1會期財政委員會第9次全體委員會議（事由：一、處理中華民國113年度中央政府總預算決議，有關行政院主計總處預算凍結書面報告案15案。
二、處理中華民國113年度中央政府總預算決議，有關第二預備金預算凍結書面報告案1案。
三、處理中華民國113年度中央政府總預算決議，有關審計部主管預算凍結書面報告案11案。
四、審查中華民國113年度中央政府總預算決議，有關行政院主計總處預算凍結書面報告案3案。
五、審查「證券投資信託及顧問法」3案：（僅詢答）
(一)行政院函請審議、本院委員郭國文等16人擬具「證券投資信託及顧問法部分條文修正草案」等2案。
(二)本院委員林楚茵等17人擬具「證券投資信託及顧問法第一條、第二條及第三條之一條文修正草案」案。
六、審查本院委員郭國文等16人擬具「不動產證券化條例部分條文修正草案」案。（僅詢答）） |
| gazette.lineno |
251 |
| gazette.blocks[0][0] |
吳委員秉叡：（9時45分）主席，麻煩請金管會黃主委。 |
| gazette.blocks[1][0] |
主席：有請黃主委。 |
| gazette.blocks[2][0] |
黃主任委員天牧：委員早。 |
| gazette.blocks[3][0] |
吳委員秉叡：主委早。今天要跟你請教，我的服務團隊最近接到好幾件的案件，都是執行法院來強制執行，強制保險保單的解約，把保單剩餘的殘值收走。這樣子的案例，當然就站在執行法院的角度，它的執行名義就是債權、債務的關係，這可以瞭解。當然還包括國稅單位、稅務單位請行政執行署執行，也有這樣的狀況。但是這裡面其實有很多地方是可以探討的，因為我們的法律裡面關於勞工保險條例第二十九條，還有勞動基準法的第五十八條都有規定一些關於勞工的權益，退休金不得強制執行等等這些事項，目的是為了要保障基層民眾的生活，穩定社會安定的功能，如果連謀生的最後這一點基礎全部都喪失，整個社會安全網就破了。這個當然不一樣，因為從法律的立法本旨來講，它是為了保障勞工的權益，不過我剛剛跟你提到的強制執行，保單的強制解除，取得保單的剩餘價值，這在某一個程度上面，跟我剛剛講的要保障民眾的基本生活跟穩定社會安定這個目標是違背的，只是一個是勞工，一個不是勞工，這樣的差別而已。行政執行署也曾經講過，當然這是執行法院講的，執行法院講他們在執行的時候，應該要去注意到讓債務人有陳述、有表達意見的機會。可是我連續接到幾件，都是被通知解約了，連保險公司都沒有告知保險人就解約了、就收走了。你知道嗎？人壽保險的主契約解除，附約有一些關於健康的、關於醫療的，主約不存在，附約當然就跟著消滅了嘛！最後連他要保命、要維持基本的醫療，往往都會出現問題。所以是不是要求保險公司收到這樣的執行，至少要立刻通知要保人，讓要保人有機會跟債權人再進行最後的協商呢？甚至他也有機會可以向執行法院提出異議，說這一部分解約之後，我不僅生活無著，連看病的錢都沒有，還有一個可以對執行程序異議這樣的機會，不知道你的看法如何？ |
| gazette.blocks[4][0] |
黃主任委員天牧：我非常認同，其實保險是社會安全網很重要一環，您關切的程序面，我們有要求，我是不是可以請局長再跟您報告受益人介入權的問題？ |
| gazette.blocks[5][0] |
吳委員秉叡：好，請局長講。 |
| gazette.blocks[6][0] |
施局長瓊華：跟委員報告，這個議題其實我們在之前也曾經評估過是不是要做修法的處理，但是各界都有不同的看法，後來我們也要求保險公司收到法院的執行命令時，要通知保戶，讓他能夠去主張他的權利，這個部分我們當初有要求。 |
| gazette.blocks[7][0] |
吳委員秉叡：這個要求有沒有落實呢？因為我這一個月連續收到兩個陳情案件，他都主張保險公司沒有通知到他。 |
| gazette.blocks[8][0] |
施局長瓊華：我們可能來瞭解一下，因為事實上我是有看到人家送給我的保險公司的通知，至於實際執行面我們會再來看看怎麼解決。另外，主附約的部分，我們大概在7月1號會生效，要求保險公司未來設計商品附約的部分能有附約延續條款，也就是主約被解除的時候，附約只要繳費就能繼續存在，這樣就可以解決因為主約被強制，附約就沒有…… |
| gazette.blocks[9][0] |
吳委員秉叡：這樣完成的可能性高嗎？ |
| gazette.blocks[10][0] |
施局長瓊華：這個部分因為我們的法規已經修了，未來業者就要朝這方向去做。 |
| gazette.blocks[11][0] |
吳委員秉叡：這樣附約所要繳的費用顯然會提高，因為附約本來是主約之下的附屬，主要的繳費是在主約，附約是附帶、附屬得到的利益，現在主約被解除之後…… |
| gazette.blocks[12][0] |
施局長瓊華：應該不會。 |
| gazette.blocks[13][0] |
吳委員秉叡：我的意思是說，本來繳了主約之後附約得到的利益，跟主約被解除之後單純為附約所繼續要付的，會不會比主約高得多？ |
| gazette.blocks[14][0] |
施局長瓊華：以目前來看，保險公司附約延續條款，大部分都是依照原來的保費在收取，並沒有再增加費用。 |
| gazette.blocks[15][0] |
吳委員秉叡：不是，原來的保費是繳整個約，主約被解除掉了，我怎麼可能還繳主約呢？ |
| gazette.blocks[16][0] |
施局長瓊華：報告委員，主約跟附約的費用是單獨算的，它只是加在一起，所以是可以單獨拆開來看的。 |
| gazette.blocks[17][0] |
吳委員秉叡：契約是這樣，那我剛剛講到的落實，可不可以要求這些保險公司一定要落實？ |
| gazette.blocks[18][0] |
施局長瓊華：是，我們來要求。 |
| gazette.blocks[19][0] |
吳委員秉叡：因為強制執行程序中，雖然這在執行法院有執行名義，但是被執行的對象對程序如果有意見的話，他可以提起這個程序的異議之訴，強制執行還有異議之訴、程序還有異議之訴。 |
| gazette.blocks[20][0] |
施局長瓊華：是。 |
| gazette.blocks[21][0] |
吳委員秉叡：所以你也要讓人家有這樣的機會，如果沒有收到通知就被解除了，他連去提異議之訴的機會都不存在，這個我覺得也是有點問題。 |
| gazette.blocks[22][0] |
施局長瓊華：我們來要求，因為我們確實一開始就有要求保險公司要通知保戶，讓他能夠提出主張。 |
| gazette.blocks[23][0] |
吳委員秉叡：好，謝謝你，這一部分先到這裡。 |
| gazette.blocks[23][1] |
關於今天REITs的議題，當然是多開一個投資管道，現在臺灣的游資其實滿多的，如果多一個穩定的投資管道，風險又比較小的話，樂觀其成。可是通常風險小就代表利潤低，這個一定要廣為宣傳，不然你想想看現在的股市，因為股市變動很快，什麼高股息ETF、這些ETF這麼紅的原因是因為他們相信分配回來的利益比較高，但REITs再怎麼做，像現在的保險公司投資商用不動產，如果它要併購商用不動產，現在起碼的標準、基準是多少？ |
| gazette.blocks[24][0] |
黃主任委員天牧：好像是兩年期儲蓄存款加0.25%吧！是不是？施局長，應該是這樣子…… |
| gazette.blocks[25][0] |
吳委員秉叡：目前是多少？ |
| gazette.blocks[26][0] |
黃主任委員天牧：現在數字我們算…… |
| gazette.blocks[27][0] |
吳委員秉叡：是不是2.95%？ |
| gazette.blocks[28][0] |
黃主任委員天牧：應該差不多，因為…… |
| gazette.blocks[29][0] |
吳委員秉叡：2.95%啦！我記得幾年前曾經才一點多而已、一點九幾而已。 |
| gazette.blocks[30][0] |
黃主任委員天牧：對。 |
| gazette.blocks[31][0] |
吳委員秉叡：所以現在要併購商用不動產就變得非常困難，因為商用不動產的租金除非大幅提高，否則你說現在這個租金要拿到2.95%？難！另外是時間點的因素，我舉一個例子，你可不可以回答我？我買一棟商用不動產，本來是滿租，假設可以得到2.5%，結果因為變動，現在剩下80%的出租率，是不是獲利就降低了？ |
| gazette.blocks[32][0] |
黃主任委員天牧：是。 |
| gazette.blocks[33][0] |
吳委員秉叡：這個時候你會要求它將來出租的租金要根據現在的標準來定嗎？這樣租金得要大幅提高耶！ |
| gazette.blocks[34][0] |
黃主任委員天牧：對。 |
| gazette.blocks[35][0] |
吳委員秉叡：如果是因為這樣而大幅提高，是不是影響到租賃市場的安定？會不會使得租賃市場的租金支付在短時間內急遽拉高？ |
| gazette.blocks[36][0] |
黃主任委員天牧：是，瞭解。 |
| gazette.blocks[37][0] |
吳委員秉叡：這個拉高我覺得對於民眾的觀感不見得會好。 |
| gazette.blocks[38][0] |
黃主任委員天牧：瞭解。 |
| gazette.blocks[39][0] |
吳委員秉叡：你知道嗎？今天聽到不好的消息，美國不但降息可能延後，還有可能會升息，因為最近伊朗跟以色列的衝突，以色列要怎麼報復，大家都還在看、還在猜，所以引起兩個因素：第一個，地緣衝突的延續，使得美國美聯儲的利率不僅沒有降，有可能還會再升，當然這是可能性；第二個是油價會繼續往上漲，對於通貨的問題也有可能雪上加霜。如果在這樣的狀況之下再下來，未來要併購的金額、每年獲利的標準又會再提高，因為是照利率加5碼上去的嘛！更提高之後更沒有辦法，所以雖然本來有一個投資的管道可以投資商用不動產，但它在臺灣投資商用不動產的管道等於是急遽萎縮，有沒有辦法在這個REITs裡面想個兩全其美的方法？因為這麼多的資金，如果不讓它在臺灣增加投資，它跑到外國去、跑到美國去，它又要增加…… |
| gazette.blocks[40][0] |
黃主任委員天牧：匯兌的風險。 |
| gazette.blocks[41][0] |
吳委員秉叡：出去的資金成本就非常高，因為光是要避險，去年一年避險就3,700億，如果在這樣狀況之下，臺灣的投資管道不趕快打開，不趕快讓這些投資臺灣的好公司、好的商用不動產、好的債券，臺灣的債券又很少，我們國債幾乎都一點點而已，一出來沒有多少就都被郵政儲金買光了。所以這些臺灣壽險公司的投資管道太少，使得那麼多的資金要跑到外國去，買外國的債券、買外國的基金、買外國的東西的時候，變成避險成本非常高。其實現在臺灣的壽險不太賺錢，沒有像銀行這麼賺錢的原因是因為避險的成本實在滿高的，這一點是整體的，給你們參考，希望大家一起努力，REITs這個方向是好的。 |
| gazette.blocks[42][0] |
黃主任委員天牧：委員，我可以補充很簡單的兩點。 |
| gazette.blocks[43][0] |
吳委員秉叡：請說。 |
| gazette.blocks[44][0] |
黃主任委員天牧：第一點是壽險資金如果投資REITs，沒有最高收益率的規定；第二點，這個收益率像兩年期定期存款加幾碼，是早年、十幾年前大家擔心壽險資金去炒用商業不動產，所以要求我們給一個規範，以上跟您報告，謝謝。 |
| gazette.blocks[45][0] |
吳委員秉叡：好，大家加油！ |
| gazette.blocks[46][0] |
主席：謝謝吳秉叡委員的質詢。 |
| gazette.blocks[46][1] |
接著我們請賴士葆委員質詢。 |
| gazette.agenda.page_end |
478 |
| gazette.agenda.meet_id |
委員會-11-1-20-9 |
| gazette.agenda.speakers[0] |
郭國文 |
| gazette.agenda.speakers[1] |
林楚茵 |
| gazette.agenda.speakers[2] |
林德福 |
| gazette.agenda.speakers[3] |
吳秉叡 |
| gazette.agenda.speakers[4] |
賴士葆 |
| gazette.agenda.speakers[5] |
李彥秀 |
| gazette.agenda.speakers[6] |
賴惠員 |
| gazette.agenda.speakers[7] |
王鴻薇 |
| gazette.agenda.speakers[8] |
伍麗華Saidhai‧Tahovecahe |
| gazette.agenda.speakers[9] |
黃珊珊 |
| gazette.agenda.speakers[10] |
李坤城 |
| gazette.agenda.speakers[11] |
王世堅 |
| gazette.agenda.speakers[12] |
陳玉珍 |
| gazette.agenda.speakers[13] |
羅明才 |
| gazette.agenda.speakers[14] |
鄭天財Sra Kacaw |
| gazette.agenda.speakers[15] |
楊瓊瓔 |
| gazette.agenda.speakers[16] |
鍾佳濱 |
| gazette.agenda.speakers[17] |
黃國昌 |
| gazette.agenda.speakers[18] |
顏寬恒 |
| gazette.agenda.page_start |
413 |
| gazette.agenda.meetingDate[0] |
2024-04-18 |
| gazette.agenda.gazette_id |
1133101 |
| gazette.agenda.agenda_lcidc_ids[0] |
1133101_00012 |
| gazette.agenda.meet_name |
立法院第11屆第1會期財政委員會第9次全體委員會議紀錄 |
| gazette.agenda.content |
一、處理中華民國 113 年度中央政府總預算決議，有關行政院主計總處預算凍結書面報告案 15
案；二、處理中華民國113年度中央政府總預算決議，有關第二預備金預算凍結書面報告案1案；
三、處理中華民國 113 年度中央政府總預算決議，有關審計部主管預算凍結書面報告案 11 案；
四、審查中華民國113年度中央政府總預算決議，有關行政院主計總處預算凍結書面報告案3案；
五、審查「證券投資信託及顧問法」 3 案： ( 一 ) 行政院函請審議、本院委員郭國文等 16 人擬具
「證券投資信託及顧問法部分條文修正草案」等2案、(二)本院委員林楚茵等17人擬具「證券投
資信託及顧問法第一條、第二條及第三條之一條文修正草案」案（僅詢答）；六、審查本院委員
郭國文等16人擬具「不動產證券化條例部分條文修正草案」案（僅詢答） |
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主席麻煩請金管會黃主委有請黃主委 |
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市委員長市委員長今天要跟你請教的是我的服務團隊最近接到好幾件的案件都是執行法院來強制執行強制保險保單的解約保單剩餘的殘值收走這樣子的案例 |
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那當然就站在執行法院的角度但是執行這個執行名義這是債權債務的關係這是了解那當然還包括這個國稅單位稅務單位行政執行署執行也有這樣的狀況但是 |
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這裡面其實有很多地方是可以探討的因為我們的法律裡面關於勞工保險條例29條還有勞動基準法的第58條都有規定一些關於勞工的權益退休金不得強制執行等等這些事項那個的目的 |
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三、處理中華民國113年度中央政府總預算凍結書面報告案2案。cellence |
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這個當然不一樣因為這是為了從法律的立法本質來講它是為了保障勞工的權益不過我剛剛跟你提到這個強制執行保單的強制解除取得保單的剩餘價值這個某一個程度上面跟我剛剛講的要保障民眾的基本生活跟穩定社會安定 |
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| transcript.whisperx[6].end |
129.617 |
| transcript.whisperx[6].text |
兩項目標是違背的只是一個是勞工一個不是勞工這樣的差別而已 |
| transcript.whisperx[7].start |
132.27 |
| transcript.whisperx[7].end |
154.933 |
| transcript.whisperx[7].text |
其實這件事情我曾經講過當然這是執行法院講的執行法院講說他們在執行的時候應該要去注意到讓債務人有陳述有表達意見的機會可是我連續接到幾件都是被通知解約了連保險公司都沒有告知保險人就解約了就收走了 |
| transcript.whisperx[8].start |
155.868 |
| transcript.whisperx[8].end |
177.857 |
| transcript.whisperx[8].text |
你知道嗎?人壽保險的主契約解除齁?他赴約有一些關於健康的關於醫療的那主約不存在你的赴約當然就跟著消滅了嘛那最後連這個他要保命啊要維持基本的這個醫療往往都會出現問題欸 |
| transcript.whisperx[9].start |
179.403 |
| transcript.whisperx[9].end |
196.962 |
| transcript.whisperx[9].text |
所以是不是要要求保險公司收到這樣的執行至少要立刻通知這個邀保人讓邀保人有機會跟債權人再進行最後的這個協商呢然後甚至他有機會可以向執行法院提出異議 |
| transcript.whisperx[10].start |
198.638 |
| transcript.whisperx[10].end |
198.858 |
| transcript.whisperx[10].text |
請局長講。好。 |
| transcript.whisperx[11].start |
224.365 |
| transcript.whisperx[11].end |
249.664 |
| transcript.whisperx[11].text |
跟委員報告這個議題其實我們在之前也曾經評估過要是不是要做修法的處理但是各界都有不同的看法後來我們也要求保險公司收到法院的這個執行命令的時候要通知保護來讓他能夠去主張他的權利這個部分我們當初有要求那這個要求有沒有落實呢因為我這一個議會連續收到兩個陳情案件他都主張他沒有保險公司沒有 |
| transcript.whisperx[12].start |
253.787 |
| transcript.whisperx[12].end |
272.823 |
| transcript.whisperx[12].text |
我們可能來了解一下因為事實上我是有看到人家送給我的保險公司的通知那實際執行面我們會再來看看怎麼來解決那另外主互約的部分我們也在之前大概7月1號會生效就是要求保險公司是不是能夠 |
| transcript.whisperx[13].start |
273.604 |
| transcript.whisperx[13].end |
280.467 |
| transcript.whisperx[13].text |
一、處理中華民國113年度中央政府總預算凍結書面報告案2、處理中華民國113年度中央政府總預算凍結書面報告案3、處理中華民國113年度中央政府總預算凍結書面報告案4、處理中華民國113年度中央政府總預算凍結書面報告案5、處理中華民國113年度中央政府總預算凍結書面報告案6、處理中華民國113年度中央政府總預算凍結書面報告案7、處理中華民國113年度中央政府總預算凍結書面報告案8、處理中華民國113年度中央政府總預算凍結書面報告案9、處理中華民國 |
| transcript.whisperx[14].start |
303.396 |
| transcript.whisperx[14].end |
309.078 |
| transcript.whisperx[14].text |
以目前來看保險公司復約延續條款大部分都是依照他原來的保費在收取並沒有再增加費用 |
| transcript.whisperx[15].start |
333.171 |
| transcript.whisperx[15].end |
336.513 |
| transcript.whisperx[15].text |
二、處理中華民國113年度中央政府總預算凍結書面報告案2、處理中華民國113年度中央政府總預算凍結書面報告案 |
| transcript.whisperx[16].start |
359.125 |
| transcript.whisperx[16].end |
378.831 |
| transcript.whisperx[16].text |
指定法院是有執行名義,但是被執行的對象也好,對程序如果有意見的話,他可以提取這個程序的意義之數,強制執行還有意義之數,程序還有意義之數,所以你也要讓人家有這樣的機會,如果沒有收到通知就被解除了,他連去提意義之數的機會都不存在了。 |
| transcript.whisperx[17].start |
379.951 |
| transcript.whisperx[17].end |
390.982 |
| transcript.whisperx[17].text |
這個我覺得也是有點問題我們來要求啦因為我們確實一開始就有要求保險公司要通知保護讓他能夠提出主張好謝謝你先 |
| transcript.whisperx[18].start |
395.756 |
| transcript.whisperx[18].end |
409.166 |
| transcript.whisperx[18].text |
關於今天這個REITs的這個議題當然多開一個投資的管道台灣的油資現在其實蠻多啦如果有多一個穩定的投資管道風險又比較小的話樂觀其成 |
| transcript.whisperx[19].start |
412.068 |
| transcript.whisperx[19].end |
413.748 |
| transcript.whisperx[19].text |
二、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[20].start |
435.194 |
| transcript.whisperx[20].end |
458.236 |
| transcript.whisperx[20].text |
那你瑞士在怎麼做?像你現在的保險公司投資這個商用不動產,如果他要去併購這個商用不動產的時候,現在的起碼的標準基準是多少?好像兩年期儲蓄存款的加0.25吧,是,那個市局長,應該是這樣子吧目前是多少?現在數字我們算,那個,應該差不多,因為 |
| transcript.whisperx[21].start |
461.107 |
| transcript.whisperx[21].end |
463.569 |
| transcript.whisperx[21].text |
二、處理中華民國113年度中央政府總預算凍結書面報告案2案 |
| transcript.whisperx[22].start |
488.408 |
| transcript.whisperx[22].end |
490.491 |
| transcript.whisperx[22].text |
兩、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[23].start |
501.502 |
| transcript.whisperx[23].end |
502.902 |
| transcript.whisperx[23].text |
二、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[24].start |
523.104 |
| transcript.whisperx[24].end |
551.983 |
| transcript.whisperx[24].text |
這個我是覺得對於觀感民眾的觀感不見得會好那你知道嗎今天聽到不好的消息美國不但升息不但降息可能延後還有可能會升息因為最近伊朗跟以色列這個衝突以色列要怎麼報復大家都還在看還在猜所以引起兩個因素第一個地緣衝突的延續有使得美國的美聯儲的利率不僅沒有降有可能還會再升 |
| transcript.whisperx[25].start |
554.138 |
| transcript.whisperx[25].end |
556.759 |
| transcript.whisperx[25].text |
二、處理中華民國113年度中央政府總預算決議．有關審計．有關審計． |
| transcript.whisperx[26].start |
577.7 |
| transcript.whisperx[26].end |
588.235 |
| transcript.whisperx[26].text |
提高之後更沒有辦法所以你雖然本來有一個投資的管道可以投資商用不動產他在台灣投資商用不動產的管道等於是急序萎縮 |
| transcript.whisperx[27].start |
590.066 |
| transcript.whisperx[27].end |
615.328 |
| transcript.whisperx[27].text |
那你這個瑞士有沒有辦法在這裡面想個兩權其允的方法因為這麼多的資金如果你不讓他台灣增加他的投資他跑到外國去跑到美國去他又要增加那個匯累的風險你出去的那個資金的成本就非常的高啊因為你光是要避險去年一年避險就3700億 |
| transcript.whisperx[28].start |
617.506 |
| transcript.whisperx[28].end |
618.687 |
| transcript.whisperx[28].text |
一、處理中華民國113年度中央政府總預算凍結書面報告案2案 |
| transcript.whisperx[29].start |
637.703 |
| transcript.whisperx[29].end |
639.164 |
| transcript.whisperx[29].text |
兩、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[30].start |
659.531 |
| transcript.whisperx[30].end |
660.792 |
| transcript.whisperx[30].text |
二、處理中華民國113年度中央政府總預算決議．有關審計 |
| transcript.whisperx[31].start |
688.633 |
| transcript.whisperx[31].end |
688.654 |
| transcript.whisperx[31].text |
好、審 |