| IVOD_ID |
159322 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/159322 |
| 日期 |
2025-03-19 |
| 影片種類 |
Clip |
| 開始時間 |
2025-03-19T09:34:54+08:00 |
| 結束時間 |
2025-03-19T09:41:32+08:00 |
| 影片長度 |
00:06:38 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/8d8da86eec6b25b817fb3dd205f58cb95a34583edacdd41203218e34103c684f73901da7dcf6c21b5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
王鴻薇 |
| 委員發言時間 |
09:34:54 - 09:41:32 |
| 會議時間 |
2025-03-19T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第3會期財政委員會第2次公聽會（事由：召開「債務人保險契約價值的強制執行爭議（俗稱保單抵債）保險法該怎麼修？」公聽會） |
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謝謝主席還有我們今天與會的學者專家還有官員這有關於我們這整個的保單扣押的這個強制執行的相關的修法我在這邊主要是代表非常廣大的這個我們的民眾來表達我們的心聲 |
| transcript.whisperx[1].start |
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因為這件事情事實上從大法官做出解釋之後然後很多的法院開始做強制執行那整個很多的民眾應該我們的明拜的辦公室幾乎電話都被打爆了即使到現在為止這樣的爭議還有這些的陳情仍然是層出不窮 |
| transcript.whisperx[2].start |
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我在這邊 我要質疑的是在整個的修法過程裡面我認為我們的金管會在修法過程裡面它整個的平衡事實上是太過傾向於包含銀行 資產公司這些討債的這一方 |
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那我們在整個的監管會的政策變化在我們的裁委會不管是質詢或者是類似專案報告大家有很多很多的詢答從去年年中開始監管會在這邊跟我們所說的 |
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未来就是我们整个的保单的扣押是在受险保额100万元单笔解约金额10万元以内的八大保单类型好结果呢这样子宣布当然会引起很多的银行跟资产公司的不满 |
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所以到了去年的下半年再排除了只排除了傷害和健康險而且把豁免強制執行100萬元的上限拿掉而在這個地方我們很多委員一直在詢問那麼如果要保障我們這些 |
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債務人他們的關財本我記得我都還在這邊可不可以保留關財本給他們因為這個是我們在地方行程裡面很多民眾來跟我們來請求來拜託的後來金管會在這邊也跟我們講說那麼100萬元上限拿掉但是解約金是在10萬到20萬之間結果 |
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现在的一个版本变成按最低生活费的1.2倍然后给他三个月刚才珊珊委员也讲了当然三个月有人说六个月还是更长的时间但是无论如何现在的一个解约金的标准从过去从一百万十万二十万然后到现在 |
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如果以六都來說就算是台北市這個生活基本費最高的一個台北市也不過三個月是七萬三千多元所以這整個的是大縮水所以有人在問我說王宏威你說要幫我們這些民眾這些被強制執行的民眾保留關財本那是不是 |
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要從變成什麼破棺材如果今天我們的很多的這個債務人尤其如果你看法福基金會因為他們去協助很多比較弱勢的我們知道這些債務人很多都比較弱勢而法福基金會也提出了一個警訊說現在以保單強制執行的債務人他有嚴重高齡化的趨勢 |
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也就是在60歲以上的債務人他的比例越來越多因為他們本來就是比較弱勢的 |
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所以我在這裡要拜託我們金管會在這個整個的法案的執行你們的天平不要太過於傾向於銀行資產公司這些債權人他們的角度我知道你們每一次拿出去就會有意見呢誰有意見呢討債的人有意見呢 |
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到目前為止這兩年來法院所執行的強制執行的保單已經超過一百萬件已經超過一百萬件我們認為這樣的數字會繼續的升高所以超過百萬件來看你就知道這對於一般的民眾到底他的影響是什麼 |
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我们当然知道欠钱还钱但是刚才也有学者有提到的就是包括有没有赈予的概念谁欠钱谁该还钱这样子的一个逻辑可能必须要做厘清但无论如何我在这边要特别的提出来我认为金管会在整个的 |
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制定法律跟修法的過程都太過的草率而且太過的傾斜更不要說我們一直希望說這個法趕快的能夠提出來但是到現在為止這個也是在我們立法院財委會大家一再的催促終於提出來可是我必須說未來在立法院的審查的過程裡面 |
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如果今天金管會是比較傾向於銀行、資產公司這些債權人上面那麼對不起我覺得立法院終究是要為民喉舌那麼現在的這樣的一個解約金的最低標準 |
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台北市7萬3非六都5萬5千8這樣的水準實在太過偏低那我想這也是未來我們會在修法裡面大家一個最主要的可能還是要在座討論這樣子的一個標準我覺得很難為人接受以上謝謝好 謝謝洪薇接著我們邀請政大風險管理學系與保險學系 |