video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/37777873656546751254e25a35793f9f53481301b577a5e537f8ca2f1dc4f42bba8a105b9bd18edd5ea18f28b6918d91.mp4/playlist.m3u8 |
委員名稱 |
林德福 |
委員發言時間 |
09:09:42 - 09:21:08 |
影片長度 |
686 |
會議時間 |
2024-12-19T09:00:00+08:00 |
會議名稱 |
立法院第11屆第2會期財政委員會第11次全體委員會議(事由:一、審查中華民國114年度中央政府總預算案有關金融監督管理委員會、銀行局、證券期貨局、保險局、檢查局收支部分。(僅詢答)
二、審查中華民國114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)
三、審查中華民國114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)
(一)特別收入基金-金融監督管理基金。
(二)信託基金-保險業務發展基金。
【預算提案截止時間:12月19日(四)中午12時】
【12月18日及19日二天一次會】) |
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transcript.whisperx[0].start |
8.243 |
transcript.whisperx[0].end |
10.565 |
transcript.whisperx[0].text |
主席、主席、主席、主席、主席、 |
transcript.whisperx[1].start |
28.669 |
transcript.whisperx[1].end |
44.998 |
transcript.whisperx[1].text |
那請問你認為今天的台股對台股有沒有影響我想這個影響從昨天晚上的台子期收盤就已經看到有一些增後我想今天早上我還來不及看還來不及看那 |
transcript.whisperx[2].start |
47.505 |
transcript.whisperx[2].end |
72.546 |
transcript.whisperx[2].text |
因為我們都隨著那個美股啊一般都隨著美股在上下阿美國降息你認為對明年台股是正面的訊號還是負面的訊號因您看我想我也是昨天綜合各個外電還有就是這個分析就是本來我們在過去都會預期美國的降息速度會快一些但是呢因為這次的降息可能比較不符市場原本的預期 |
transcript.whisperx[3].start |
73.607 |
transcript.whisperx[3].end |
83.701 |
transcript.whisperx[3].text |
那當然這個降息這件事情其實很難預測就像從過去這一兩年來各種的預測都有那站在金管會的立場我們各種情境都會納入考慮 |
transcript.whisperx[4].start |
85.65 |
transcript.whisperx[4].end |
108.727 |
transcript.whisperx[4].text |
主委因為台股大盤或許站在高點但是金融業賣台股獲利了結也是事實台美關係息息相關請問你認為法人賣台股的做法是不是已經有提前反映對台股後市的疑慮 |
transcript.whisperx[5].start |
110.536 |
transcript.whisperx[5].end |
130.254 |
transcript.whisperx[5].text |
報告委員這個個別金融業或是他們對他們投資的操作我們都予以尊重但是就是說很多金融機構他投資畢竟都是以財務性投資為主那自然調節是很正常我想這部分有買就有賣我們儘管會站在制度上我們不對他們這些作為做預期主委我請教因為 |
transcript.whisperx[6].start |
134.157 |
transcript.whisperx[6].end |
138 |
transcript.whisperx[6].text |
據金管會的統計2024年10月銀行繼續減碼台股到今天已連續4個月砍股壽賢業也大賣壽賢業賣了353億元那終結連兩買僅佔券商 |
transcript.whisperx[7].start |
157.451 |
transcript.whisperx[7].end |
180.632 |
transcript.whisperx[7].text |
暫買方金融商業累積全10個月減碼4935億元是去年一整年的9.4倍那全年應該會衝破5000例大關主委對於金融業減碼台股今年是去年將近10倍的這種狀況那個主委你有什麼看法 |
transcript.whisperx[8].start |
181.795 |
transcript.whisperx[8].end |
203.368 |
transcript.whisperx[8].text |
那個剛剛跟委員報告過其實剛才委員指出的不管是銀行保險或證券他們投入資本市場的投資目的跟投資的方法都不同我想比如說保險跟銀行跟證券就很大的不同那他們之間剛剛講的話他們的部位在過去而言他們都有自己的長期的部位的建置以及調節 |
transcript.whisperx[9].start |
204.469 |
transcript.whisperx[9].end |
205.83 |
transcript.whisperx[9].text |
會不會就是看壞未來台股後市的這個超量的正常交易 |
transcript.whisperx[10].start |
221.701 |
transcript.whisperx[10].end |
246.018 |
transcript.whisperx[10].text |
其實就我們長期觀察這個各個產業特別金融業他們對臺股的持股這是他們在整個投資組合上面一個非常重要的組合那其實看好看壞其實不是從這邊可以看得出來我想臺灣的整體經濟面還是不錯我們知道像今年我們所有總上市櫃他們的總營收將近逼近40兆 |
transcript.whisperx[11].start |
247.099 |
transcript.whisperx[11].end |
276.068 |
transcript.whisperx[11].text |
我想這個成長是同期的將近12%我想這也是支撐台股很重要的這個基礎主委因為股票賣得掉反過來是有人買那請問主委金融三頁大量減碼這個台股大盤指數卻還是繼續停留在就是高檔高點那請問你認為投資大眾應該要怎麼看明年台股整個後市的發展那個主委您什麼看法 |
transcript.whisperx[12].start |
276.928 |
transcript.whisperx[12].end |
295.503 |
transcript.whisperx[12].text |
那跟委員報告我想齁我不是為了證券分析師啊我們只是從整個資本市場的健全性來看那剛剛我們也關注金融業在比如說他的投資的安全性我想我對未來的未來的這個股市呢我們我們就是不做過過的這個預測就對了主委 |
transcript.whisperx[13].start |
298.405 |
transcript.whisperx[13].end |
307.294 |
transcript.whisperx[13].text |
金管會月初公布最新統計外資不只狂賣上市櫃的股票差不多2500億元更終止連續三個月淨匯入轉為淨匯出 |
transcript.whisperx[14].start |
313.661 |
transcript.whisperx[14].end |
336.116 |
transcript.whisperx[14].text |
那針對外資賣超台股並匯出的原因那個政局局副局長表示主要是受到美國總統大選不確定因素的影響那外資落袋為安再加上有一些資金的需求因此進行匯出的動作主委美國大選已經落幕而且台股大盤指數並沒有出現2022年底下殺4000多點 |
transcript.whisperx[15].start |
341.66 |
transcript.whisperx[15].end |
367.217 |
transcript.whisperx[15].text |
的這種狀況那請問你認為外資有沒有短期回補台股資金重新進匯入台灣的機會或是條件有沒有其實從短期而言我們比較不那麼在意我們從長期來看其實外資在台灣的持股占比一直維持一個很穩定當然他們的操作有他自己的目的我想我們對這種比如說幾個月這樣週期的波動我們比較只是密切關切 |
transcript.whisperx[16].start |
368.098 |
transcript.whisperx[16].end |
395.334 |
transcript.whisperx[16].text |
我從這邊看不出我們有什麼特別特別明顯的差別那個主委因為媒體有報導說金管會正在研擬換修保險法準備納入新興的議題那聚焦金融科技、永續金融和資本監理等三大項但目前尚未有修法的時程表我請問主委媒體報導金管會打算修法的內容是不是確定的 |
transcript.whisperx[17].start |
396.695 |
transcript.whisperx[17].end |
421.216 |
transcript.whisperx[17].text |
主要是我們保險法上次大修應該是民國91年的時候但是各位都知道我們現在我們保險法有兩大部分應該是保險契約法以及保險業法的部分我們過去的大修著重在保險業法的部分保險契約法其實本身還有很多需要被討論的地方我想過去在一二十年來學界有很多的考慮那過去都是一個個修所以我們這次希望有個結構性的修法 |
transcript.whisperx[18].start |
421.696 |
transcript.whisperx[18].end |
448.477 |
transcript.whisperx[18].text |
那另外有關業法的部分確實誠如剛剛那個委員所指示的就是包括我們現在金融環境的改變金融科技永續金融還有就是我們現在的資本監理制度都已經跟20年前有重大的不同所以我們覺得一定要修對就是我們要做結構性的修法因為這個那你有沒有時程啊修法有沒有時程我們預計一年的時間來收集各方面一件但是怎麼修其實上我們我們不預期一個時間我們希望這次能夠做結構性的所以說 |
transcript.whisperx[19].start |
449.764 |
transcript.whisperx[19].end |
456.61 |
transcript.whisperx[19].text |
是不是意味著保險法、修法你說一居一年那有沒有急迫性這個東西其實 |
transcript.whisperx[20].start |
458.513 |
transcript.whisperx[20].end |
484.65 |
transcript.whisperx[20].text |
那坦白講委員我們現在的保險法也在持續運作中但是我們的保險市場要持續的發展所以我們這個東西是做一個非常重要的基礎工程所以我們寧可把它修好也不急不急齁主委11月下旬的出席台灣這個保險法學會主辦第10屆兩岸保險法論壇曾提到結構性修法說不定是市場需要的 |
transcript.whisperx[21].start |
485.791 |
transcript.whisperx[21].end |
509.867 |
transcript.whisperx[21].text |
那並且將和保險局研究請問主委媒體報導保險法修法的內容是不是和你上個月在論壇後的陳述前後呼應是不是這樣子我想就是兩大部分過去我們保險法學者比較著重的是在保險契約法特別像比如說受益人、要保人還有就是一些相關利害關係人的關係的修改 |
transcript.whisperx[22].start |
510.848 |
transcript.whisperx[22].end |
526.474 |
transcript.whisperx[22].text |
還有就是我們契約上面財產保險以及相關很多的內容他們在過去在學理上跟國際上面的一些保險法學理有些不同但是除了這個以外我剛剛跟文報告還有很多是因為我們業法的部分很多都要隨著那個改變其實這兩次是一致的這樣齁 |
transcript.whisperx[23].start |
527.794 |
transcript.whisperx[23].end |
555.521 |
transcript.whisperx[23].text |
那未來保險法即將大翻修你認為會朝向你所說的結構性修法來推動嗎是的我想齁其實保險市場也是金融市場非常重要的產業那我們這部保險法如果遠瘦於是民國18年就開始訂定中間雖然經過幾個修正但是我覺得要隨著時間的改變而改變那個主委會不會只有將現行保險法的架構上來推出增減條文的版本是不是這樣子 |
transcript.whisperx[24].start |
556.261 |
transcript.whisperx[24].end |
565.995 |
transcript.whisperx[24].text |
其實我們現在保險法條文算是精簡才100多條我想像我們保險市場整個環境的改變業法的部分其實有很多需要被調整的地方 |
transcript.whisperx[25].start |
567.454 |
transcript.whisperx[25].end |
590.268 |
transcript.whisperx[25].text |
因為從第10屆保險法論壇媒體轉述你參加時所有的內容可以看出與會學者包括過去身為學者的你對現行保險法法規以及主管機關的看法與態度再加上你認為現在保險法修法都是應急式而緩應式的修法遇到什麼問題修什麼 |
transcript.whisperx[26].start |
592.009 |
transcript.whisperx[26].end |
618.889 |
transcript.whisperx[26].text |
比較容易故此失彼的很可惜那請問主委採取結構性修法是不是能夠完全避免再度出現應急式反射式反射式的這個修法的缺點那報委員我想當天會這樣講是因為有時候我們社會上有些突發的情形就要立刻來改變那是必然但是就是說這樣的改變常常會讓會可能考慮沒那麼周延所以我才會想說 |
transcript.whisperx[27].start |
619.65 |
transcript.whisperx[27].end |
619.79 |
transcript.whisperx[27].text |
主委啊 |
transcript.whisperx[28].start |
636.019 |
transcript.whisperx[28].end |
651.766 |
transcript.whisperx[28].text |
由於保險法修法涉及主管法規的機關那訂定保險契約的各方當事人那請問主委修法姿勢體大未來修法的方向你認為能夠重新喚起外商保險公司來台設立的意願嗎 |
transcript.whisperx[29].start |
652.646 |
transcript.whisperx[29].end |
678.613 |
transcript.whisperx[29].text |
我想這是很多元面向外商會不會來是看我們市場的發展當然我們如果做得很健全市場蓬勃發展自然容易吸引人家過來設對相關的因為你要是修不好的話變成會成為這些外商保險公司加速退出臺灣的一個催化劑會不會如果是不好的我們不會修啦對我們只會朝好的方向修好謝謝謝謝委員的指點謝謝好謝謝林德夫委員 |
transcript.whisperx[30].start |
680.327 |
transcript.whisperx[30].end |
680.669 |
transcript.whisperx[30].text |
接著我們請吳秉鈺委員,吳秉鈺,謝謝 |
IVOD_ID |
158234 |
IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/158234 |
日期 |
2024-12-19 |
會議資料.會議代碼 |
委員會-11-2-20-11 |
會議資料.屆 |
11 |
會議資料.會期 |
2 |
會議資料.會次 |
11 |
會議資料.種類 |
委員會 |
會議資料.委員會代碼[0] |
20 |
會議資料.標題 |
第11屆第2會期財政委員會第11次全體委員會議 |
影片種類 |
Clip |
開始時間 |
2024-12-19T09:09:42+08:00 |
結束時間 |
2024-12-19T09:21:08+08:00 |
支援功能[0] |
ai-transcript |