| IVOD_ID |
159600 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/159600 |
| 日期 |
2025-03-26 |
| 會議資料.會議代碼 |
委員會-11-3-20-4 |
| 會議資料.會議代碼:str |
第11屆第3會期財政委員會第4次全體委員會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
3 |
| 會議資料.會次 |
4 |
| 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3會期財政委員會第4次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-03-26T09:24:33+08:00 |
| 結束時間 |
2025-03-26T09:35:27+08:00 |
| 影片長度 |
00:10:54 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/8cb7ec0b2cd1ea343b3faab7d7bc0ecf9336bc333af6bdb0c80eeefacbca121b96fa539d5614b54a5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
吳秉叡 |
| 委員發言時間 |
09:24:33 - 09:35:27 |
| 會議時間 |
2025-03-26T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第3會期財政委員會第4次全體委員會議（事由：邀請金融監督管理委員會彭主任委員金隆率所屬機關首長暨中央存款保險股份有限公司、監管相關機構有關之財團法人、臺灣證券交易所股份有限公司、臺灣期貨交易所股份有限公司、臺灣集中保管結算所股份有限公司等董事長、總經理列席業務報告，並備質詢。
【3月24日及26日二天一次會】） |
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最近媒體上常常在講你們要修正因為大法庭對於強制執行 |
| transcript.whisperx[1].start |
17.555 |
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這個法律見解所以你們要修改保險法那我看到那個媒體上面的報導說你們基本上每張保單保留各地區的生活費基本生活費三個月這樣的額度以這樣的額度超過了才去進行強制執行可是我們這個執行也要有那個成本的概念 |
| transcript.whisperx[2].start |
47.315 |
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你媒體裡面講說你可以分為戶籍所在地住所地然後還可以工作地都在跨不同的縣市的時候那變成不同的標準這樣勞費實在太大了我們應該要化繁為簡 |
| transcript.whisperx[3].start |
63.593 |
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我要提一個idea給你思考就以全國生活費用最高的地方三個月以這個做標準假設全國最高的基本生活費是在台北市的話那就以台北市基本生活費的三個月的標準全國都一致 |
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84.292 |
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那這樣全國的法院就很清楚的了解到這個法律的標準在哪裡而不是說以生活地、以工作地、以戶籍地都可以來挑一個對債務人最有利然後就每個個案光是這個就要進入有沒有到達什麼範圍的增值這個太浪費了不知道這個你來考慮看看這個適不可行 |
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謝謝委員,我想上個禮拜公聽會的時候,因為我有另一位沒有參與,不過我仔細的聆聽了各界對這個的看法,誠如剛才委員所指正的,就是說這次的修改保險法,我們是被動的修法,是因為已經衍生了很多的問題,我們必須要去解決這問題。 |
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131.903 |
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159.752 |
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不過在我的印象裡我在保險市場已經快40年的時間我們過去的保險契約一直都不會構成強制執行的問題的標的但是111年以後大法庭的解釋當然就湧出了這麼大的問題所以金管會責無旁貸必須要透過立法來解決這問題我們在這次的修法草案裡面呢剛剛委員的指證就是這個建議其實我們就思考了三個非常重要的原則來做這個修法第一個社會成本 |
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160.572 |
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我們一定要用最低的社會成本來解決這問題第二個就是我們要公平的看待債權跟債務人的關係第三個也很重要就是我們要確保保險安定社會的功能能夠繼續的維持這三個是我們在考慮的所以說我們在這裡面我們剛剛委員的建議我覺得是可以來思考因為當時我們會訂這個法案的這樣內容是我們是 |
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182.583 |
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因為認為說過去如果訂一個固定的金額可能會隨著時間經過會產生一些變化那我們就是依循那個強制執行法的概念來用這個當然它背後有一套解決的方法剛剛委員也提到了它有主要生活區域、戶籍地如果再加上保單還有一個邀保人的住所 |
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203.73 |
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230.573 |
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這些都是一個非常非常難判斷當然司法院有他一套的解決方法我覺得委員這個想法說不定我們可以來思考司法院有解決方法我們了解啊但是我舉一個例子假設我是被強制執行的債務人那我又主張我的戶籍地在新北而我生活工作地在台北那假設我還有其他的地方那關於我這個主張債權人就可以說不行喔你不能用台北市你要用新北市的 |
| transcript.whisperx[10].start |
231.613 |
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260.652 |
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那就又要進入個案的認定在強制執行中間其實不需要這麼多的認定因為這樣子會增加很多的債務人意之數還會增加很多的這個程序上面的這些的攻防所以我是覺得抓一個一致的標準那抓一個一致的標準當然以全國為之因為台灣現在已經是一日生活圈了你要說台北市三個月大概是7萬多然後這個南部大概是5萬東部可能剩下4萬多 |
| transcript.whisperx[11].start |
261.733 |
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290.326 |
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我覺得這樣子光是為了說你應該這個債權人應該是在算在東部還是在算在北部還是北部的台北市還是新北市個案你都去逐一認定那如果大家意見不一樣的時候就再另外一個訴訟那這個是整個社會的勞費會增加很多我們應該要考慮司法也有成本啊我們做這些執行也有成本那讓這個投保人將來也可以很清楚的了解說哪一些保險 |
| transcript.whisperx[12].start |
291.567 |
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312.065 |
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如果你的保險的產值是超過這個金額是會被可能會被強制執行如果你有債務的話那這樣子是比較減省的啦是我說劃減為凡啦對確實像我剛剛提到如何以最低的社會成本執行這樣的一個效益我想剛剛那個建議我們會回來思考好謝謝那第二個就是 |
| transcript.whisperx[13].start |
313.715 |
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340.168 |
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我們過去這些年在中國的曝險大家都是計算國營國家的銀行在中國的曝險金額是逐年下降有定一個標準這個逐年下降是可喜可樂因為要在不穩定的地方當然你那個風險高的地方盡量曝險要少一點可是我覺得那個計算有很多的黑數以前最被常提出來的黑數就是影子銀行 |
| transcript.whisperx[14].start |
341.429 |
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367.618 |
| transcript.whisperx[14].text |
這租賃公司他的付錢你沒有辦法計算在這裡面那你未來租賃公司的納管會越來越嚴格嘛再來就是國營如果他的分行那有統計進來 放款有統計進來但是那紙行就漏掉了因為他是依照中國的法令在中國的紙行但是他其實的大股東母公司是國營那那個也統計不到 |
| transcript.whisperx[15].start |
369.179 |
| transcript.whisperx[15].end |
380.845 |
| transcript.whisperx[15].text |
有沒有什麼辦法因為一切的政策的考量要從事實的調查做基礎有沒有辦法把台灣在中國的曝險更清楚更明確的算出來 |
| transcript.whisperx[16].start |
382.387 |
| transcript.whisperx[16].end |
402.364 |
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有沒有打算往這個方向來努力?我上次委員在詢問這個問題的時候我們大概那個曝險大概18.5%現在大概降到18%大概又在持續的下降中當然剛剛委員有指證說我們還有其他業態的公司在那邊也有類似做一些獸性的類似獸性的業務我們也持續在關注 |
| transcript.whisperx[17].start |
406.407 |
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435.285 |
| transcript.whisperx[17].text |
剛剛就是確實沒有錯我們現在的法令規定說我們現在國營的曝險不可以超過他淨值的一倍那現在大部分的國營剛剛講那個18就是只有占我們淨值的18全體平均當然我們的算法有分子行跟分行的算法分行的話就是用他的壽信同業拆借還有就是他們就是這些的投資但是我們對子行的算法是以他的投資金額為主就投資額為主這兩個標準是有點差異所以我們現在也 |
| transcript.whisperx[18].start |
436.245 |
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458.951 |
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會來考慮說怎麼樣從實質衡量曝險的角度我們會重新來做一個盤點對 因為這個數字如果精確我們在做一些金融政策上面的時候能夠比較了解真正的狀況是怎麼樣比較接近真實所以這方面要努力再來就是明年一個大課題就是要接這個IFRS17的消耗公報 |
| transcript.whisperx[19].start |
460.271 |
| transcript.whisperx[19].end |
475.463 |
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這個目前前兩年是保險業都有提出一些他們不一樣的看法或他有困難啊怎麼樣的難題希望你們能夠暫緩或是給他協力解決這一些這近半年多來這個聲音減少了那減少是因為我們的 |
| transcript.whisperx[20].start |
476.664 |
| transcript.whisperx[20].end |
489.965 |
| transcript.whisperx[20].text |
越來越了解呢協助有成呢還是有什麼其他的因素我這最近比較少聽到這樣子的聲音那個其實沒有新聞就是好新聞嘛就是一樣其實我覺得這個東西就這套制度剛開始實施的時候台灣的利率還是處於低檔 |
| transcript.whisperx[21].start |
491.087 |
| transcript.whisperx[21].end |
514.629 |
| transcript.whisperx[21].text |
那我們現在呢,因為現在利率大家都知道比以前提高了我們保險業最大的一個負債科目就是受到利率的影響我們利率的假設現在提高了所以大家在這個未來接軌iPhone 17的時候呢本來就是它在那個負債的提高本來就是會減輕那當然經過主管機關在這麼多年來不斷的強化做所謂的商品體質的改變 |
| transcript.whisperx[22].start |
515.47 |
| transcript.whisperx[22].end |
527.688 |
| transcript.whisperx[22].text |
他們現在累積了很多商品的轉型其實未來在接軌日那個主力確實小很多其實像陳儒剛才委員所指正的確實我們在這部分在我們現在所有的監控過程當中都非常順利 |
| transcript.whisperx[23].start |
528.925 |
| transcript.whisperx[23].end |
554.291 |
| transcript.whisperx[23].text |
那你譬如說你今天的報告一開始說去年這個各行各金融業這三大行業賺了多少錢這裡面有包括匯差嗎譬如說我在保險公司在美國資產那投資的金額那本來用美金換算那這幾年來台幣是貶值啊所以你再換算成台幣回來的話它就帳面上就增加了很多啊這個有算在這裡面嗎這個我們就是 |
| transcript.whisperx[24].start |
555.191 |
| transcript.whisperx[24].end |
580.029 |
| transcript.whisperx[24].text |
我剛才報告的這個損益數字是財報的損益數字就依據我們現在的會計準則所計算出來的損益數字所以有的有放有的沒放當然會計損益裡面是把匯率的那部分是它的實現跟已實現收入都有考慮在內對那你要知道因為匯率跟這個利率都是不確定的東西改天換台幣升值的時候那是不是就又挨天 |
| transcript.whisperx[25].start |
581.314 |
| transcript.whisperx[25].end |
605.805 |
| transcript.whisperx[25].text |
有時候遇到多的虧損就跑出來啊確實其實我覺得財報的特性就是它是一個中性的它今天的比如說整個經濟環境的波動有時候好有時候壞本來就是它忠實的反映它的真實的狀況所以我也常跟保險院的在提醒今年獲益好其實也不要說就這樣其實也隱含著未來這個波動性 |
| transcript.whisperx[26].start |
607.006 |
| transcript.whisperx[26].end |
629.265 |
| transcript.whisperx[26].text |
有的時候多賺錢是因為剛好就是這個政策的時機問題還是時間點的問題所以不能我們台語在說好天要積福來牛不能每天想說天天都是好天氣非常同意另外就是說你剛剛提到說因為利率是保險業一個很重要的東西利率也是一樣的狀況也是會升降 |
| transcript.whisperx[27].start |
629.825 |
| transcript.whisperx[27].end |
642.762 |
| transcript.whisperx[27].text |
但是如果你擴大能夠在台灣有投資的管道的話至少避險的這一部分的成本可以降低一些啦我們已經採取一些措施來去降低他們的那個避險成本好 這我們需要去努力了加油謝謝 謝謝委員 謝謝好 謝謝委員的質詢 下一位請你袁寬文委員質詢 請 |