| IVOD_ID |
160756 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/160756 |
| 日期 |
2025-04-30 |
| 會議資料.會議代碼 |
委員會-11-3-20-10 |
| 會議資料.會議代碼:str |
第11屆第3會期財政委員會第10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 |
10 |
| 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10次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-04-30T09:33:14+08:00 |
| 結束時間 |
2025-04-30T09:44:02+08:00 |
| 影片長度 |
00:10:48 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/b6da7da99b9423698e8695aa58ad94f9693dd611367b4ddd04c4aea0d98bed8113061e3f2a29d5c75ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
吳秉叡 |
| 委員發言時間 |
09:33:14 - 09:44:02 |
| 會議時間 |
2025-04-30T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第3會期財政委員會第10次全體委員會議（事由：審查「保險法」15案：
一、行政院函請審議、本院委員蔡其昌等19人、委員羅廷瑋等16人、委員王世堅等18人、委員徐富癸等16人、委員蔡其昌等19人、委員蔡易餘等18人、委員林思銘等18人分別擬具「保險法部分條文修正草案」等8案。【後3案如經院會復議，本次會議不予審查】
二、本院委員鍾佳濱等21人擬具「保險法增訂第一百二十三條之一條文草案」案。
三、本院台灣民眾黨黨團、委員陳超明等16人、委員羅智強等19人、委員李坤城等23人、委員賴瑞隆等17人、委員王美惠等17人分別擬具「保險法增訂第一百七十四條之二及第一百七十四條之三條文草案」等6案。
【4月30日及5月1日二天一次會】） |
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主席麻煩請金管會彭主委好彭主委主委先應媒體要求問一個題外話股票市場上從川普關稅政策以來崩盤到17300多點那現在已經回到2萬以上了 |
| transcript.whisperx[1].start |
24.264 |
| transcript.whisperx[1].end |
50.57 |
| transcript.whisperx[1].text |
媒體想要請教你說這個限空令要不要繼續執行我想跟委員報告就是說其實我們的限空令本來就是隨時動態調整我們一個前提上是也在我們對外的發布新聞稿很明確的說明就是我們現在關注了很多的狀況現在還在處於一個有高度不確定當然大家都看到最近我們的整個台灣的資本市場大概隨著國際上面的消息越來越這個 |
| transcript.whisperx[2].start |
52.89 |
| transcript.whisperx[2].end |
53.77 |
| transcript.whisperx[2].text |
你有沒有預估大概還要多久的時間? |
| transcript.whisperx[3].start |
70.117 |
| transcript.whisperx[3].end |
85.768 |
| transcript.whisperx[3].text |
這要看我們現在的國際上狀況我想從過去的經驗知道現在很多事情可預測度比較低我們需要比較長一點點的時間來觀察國際上的一些特別是我們國際之間有關關稅的談判的結果以及相關其他經濟參數的改變 |
| transcript.whisperx[4].start |
88.63 |
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116.761 |
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我想無論是現空令或是說這個國安基金的進場都是在股市在非正常狀況之下恐慌心理所實施的政策那如果那樣的狀況解除之後還是要回到股市的正常狀態那當然才是正辦那就希望你考量好 再來我們就請教今天的問題剛剛前面的委員有問到的我就了解因為他們現在是像小額中老保險這是一個商品名稱它並不是一個 |
| transcript.whisperx[5].start |
118.022 |
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138.9 |
| transcript.whisperx[5].text |
一個法律名詞也就是說不同的保險公司假設你今天特別一個講一個法律上面講一個小額中老保險然後這個豁免那我將來保險公司我會推出一個事實上的內容不一定是小額中老保險但是我就給他掛一個小額中老保險的這樣子的契約在那邊那這個會發生爭議但是你現在這個原來的他一個豁免的條件裡面有講說是 |
| transcript.whisperx[6].start |
145.439 |
| transcript.whisperx[6].end |
170.524 |
| transcript.whisperx[6].text |
這個直轄市政府宣布的最低生活經費的1.2倍3個月那如果以台北市算起來的話這樣大概是多少錢台北市他們現在一個月是2萬多嘛乘上1.2乘以3大概是7萬3、7萬4這樣那叫做小額中老保險就你知道市場上目前的小額中老保險如果解約之後他的保險的殘值應該是很低吧既然是小額啊 |
| transcript.whisperx[7].start |
171.624 |
| transcript.whisperx[7].end |
200.321 |
| transcript.whisperx[7].text |
那個小額綜合保險是它的保額我們現金就是90萬對那但是因為主要是這個有很大的差異跟你的年紀有關比如說我今天很年輕去買那個小額綜合保險其實我的保費是很便宜要累積到7萬塊的這個解約金非常的那額度會非常的高不是不是我的意思你倒過來說啦就是要跟保險公司解約保險公司要把原來的作業費什麼維約金什麼都扣掉之後才有殘值是那你這個 |
| transcript.whisperx[8].start |
202.311 |
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228.364 |
| transcript.whisperx[8].text |
豁免如果照你剛剛算法台北市的豁免至少是七萬多塊嘛那本席本來就主張說我們全國要一致不要以生活圈在台北市戶籍在台南工作在台東然後會產生不同的計算會非常的麻煩這個有司法成本在裡面所以我一向主張而且我朝央已經提出來今天我們主席有答應我今天不會租條啦所以我那個朝央應該會來得及我要求照全國最高的 |
| transcript.whisperx[9].start |
229.144 |
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250.201 |
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直轄市它的1.2倍 乘以3個月嘛所以這個大概將來是會 如果你願意採用這個看法我的意思是說 目前所現存的小額中老保險喔它解約之後的殘值 剩下的價值要高過7萬多塊錢的 幾乎很少啦因為你的保險的總標的 總給付才90萬 |
| transcript.whisperx[10].start |
255.985 |
| transcript.whisperx[10].end |
268.246 |
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所以你自己已經投保進去的這個金額你所繳納的金額其實相當有限那相當有限解約之後扣掉違約金扣掉一些手續費還剩下的產值我認為都達不到這個標準 |
| transcript.whisperx[11].start |
269.907 |
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296.549 |
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對就是這個如果說一般狀況的話確實這樣因為但是就是因為假設你是高齡投保的話那個那個保費比較貴啦那個是因為我們的小兒中保險有個條件就是你可以比較高齡也可以來申請所以這個部分因為他是保死亡險所以年紀越大死亡率越高其他保費是越高的但是就是說這個條件就是會因為不同的年紀差異不過剛剛陳儒委員講的 |
| transcript.whisperx[12].start |
298.93 |
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313.122 |
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我是非常贊成第一個其實假設我們一個保險你繳了保費跟產生解約金之間的過程會有很大的落差我想各位都知道按照保險法的規定我們第一年是沒有現金價值的到第二年才開始 |
| transcript.whisperx[13].start |
313.883 |
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343.243 |
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就過了一年以後他才會有這個而且前幾年都會非常低啦因為他前面的作業費用會非常的高包括佣金啊包括經紀人的這些費用全部都是要給你算在這裡面的啊我們假設有人故意要用這個保險去做規避債務這個成本太高我只能說他這個成本太高甚至我以前還跟你談過我認為說這個解約如果是被強制執行有的時候不一定是 |
| transcript.whisperx[14].start |
344.824 |
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365.68 |
| transcript.whisperx[14].text |
這個投保人的這個問題所以能不能扣這麼多的這個違約金解約的金額我曾經跟你討論過這個問題但是說你後來去了解它的費率結構裡面確實裡面並沒有一個叫做就是因為這個其實要解約收益這個項目所以我們也有認真考慮過這個問題不過剛剛委員有提到就是說 |
| transcript.whisperx[15].start |
366.621 |
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392.862 |
| transcript.whisperx[15].text |
那標準就是要不要採用一個比較奇異而且比較容易簡正辨明的做法這一點上次委員在質詢的時候也曾經說我們有回去好好研究過這樣的一個可行性就是說確實因為我們的原則就是希望能夠降低社會成本那因為否則像剛剛委員提到雖然我們現在的搶購執行的實務上已經有了這個實務但是保險的又更複雜比如說它的 |
| transcript.whisperx[16].start |
393.502 |
| transcript.whisperx[16].end |
408.819 |
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人的這個腰保的所在地他的住所在哪裡還有生活所在地還有這個還有居住這個差別將來會變成這樣執行法院會被司法成本會非常的高啦對 如果只是因為要直觀去認定那就太累了對 如果只是為了 |
| transcript.whisperx[17].start |
409.98 |
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424.446 |
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滿足我們基本的條件以最低的成本我是覺得剛剛委員提的是可以來考慮啦好另外你的報告第四頁他的第五項講說這個你們準備修正第167條之一民定署配合 |
| transcript.whisperx[18].start |
425.666 |
| transcript.whisperx[18].end |
443.082 |
| transcript.whisperx[18].text |
政府政策需要且經主管機關公告之保險得透過保險經紀人向國外之保險業投保那言下之意是這樣的保單台灣沒有賣嗎是的主要是台灣沒有賣或是台灣賣的東西沒辦法符合他的需要是那當然也不太可能 |
| transcript.whisperx[19].start |
444.469 |
| transcript.whisperx[19].end |
460.142 |
| transcript.whisperx[19].text |
這個保單可以為他量身訂做嗎?應該也不會吧因為保單都要經過審查因為他有時候是小樣需求其實這個東西當時一個起因原來是我們很多的比如說我們代表國家出國比賽的國手他很多的那個台灣的保單沒辦法滿足他 |
| transcript.whisperx[20].start |
460.162 |
| transcript.whisperx[20].end |
488.891 |
| transcript.whisperx[20].text |
但是因為我們的保單事實上都經過保險局審過啦是所以你這個外國的保單是不是你們一直你們也要了解所以要非常非常的嚴謹因為我們過去對所謂的地下保單沒有核准的保單我們做非常嚴格的管控我們不希望這個條文有人產生任何疑義說我們在開放這個事情所以前面會加上那幾個很重要的條件是好那就另外再問這個美國總統川普當選之後因為他有很多的這個經濟跟財政政策使得全世界都有一個不安定感 |
| transcript.whisperx[21].start |
489.491 |
| transcript.whisperx[21].end |
503.996 |
| transcript.whisperx[21].text |
那前一陣子也發生了這個美債長期的美債這個大幅拋售所以跌價的問題那跌價會造成說你這個保險公司的上面損失嘛所以我們知道這個所謂的美債我只要期間夠了 |
| transcript.whisperx[22].start |
505.496 |
| transcript.whisperx[22].end |
520.096 |
| transcript.whisperx[22].text |
譬如說我十年期最長十年期我十年期到我本金也是全部都拿回來然後每一個每一年所拿到的利息我也拿得到但是因為美債是開放交易所以當美債下跌的時候長期的美債下跌的時候 |
| transcript.whisperx[23].start |
521.057 |
| transcript.whisperx[23].end |
543.202 |
| transcript.whisperx[23].text |
帳面上就出現保險的評價損失這個評價損失如果在川普政策的不穩定狀況下有時候會出現比較大的金額那我知道以前金管會就曾經同意說那不一定要馬上去做這個評價損失因為這樣子去對於他的資本失足率有所質疑這個可不可以再請你再說一下 |
| transcript.whisperx[24].start |
543.502 |
| transcript.whisperx[24].end |
565.611 |
| transcript.whisperx[24].text |
是這樣主要是因為我們會計上我們在過去這個所謂的債務工具就是債券他會根據你經營模式來區分有一種持有到期其實大部分的保險公司他持有債都是蠻長期他真的就是為了要配合他的負債所以他是以持有到期所以我們常講AC攤銷後成本他是不隨著評價而去做這個評價的 |
| transcript.whisperx[25].start |
566.912 |
| transcript.whisperx[25].end |
584.283 |
| transcript.whisperx[25].text |
那另外一種當然它是會以交易為目的那當然就要評價還有另外一個OCI的部分我想主要是這樣保險業過去在這個地方因為我們會計制度上是要評價但實際上它經營模式確實是它不會事實上台灣的保險公司持有美債都非常的巨額 |
| transcript.whisperx[26].start |
585.383 |
| transcript.whisperx[26].end |
608.542 |
| transcript.whisperx[26].text |
其實比例 美債的話公司債比較多 其實美國公債比例不高如果是這樣的話 將來要實施新的會計準則的接軌之後 這個會不會有變化這個當然就會變化 因為我們過去的會計準則是資產會按照市價來波動 但負債是固定的到了2026年 明年以後 資產跟負債兩個波動 他們會重分類 |
| transcript.whisperx[27].start |
609.443 |
| transcript.whisperx[27].end |
626.693 |
| transcript.whisperx[27].text |
因為他就必須要把過去這個不平價的他為了配合他的負債他要重分類這時候就能夠同步的去做這樣的波動做所謂的反而更能夠適應現在的狀況是比較能夠能夠吻合整個所謂的資產負債管理的精神 |
| transcript.whisperx[28].start |
627.247 |
| transcript.whisperx[28].end |
639.783 |
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好 因為我覺得這個美債的波段如果大的話不是只有美國的國家公債它的公司債也有可能出現這樣的狀況這個將來都會有影響還有利率的問題也是一個非常重要的因素謝謝委員 謝謝好 謝謝接著請內斯堡委員質詢 |