| IVOD_ID |
160785 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/160785 |
| 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 |
2025-04-30T10:47:20+08:00 |
| 結束時間 |
2025-04-30T10:56:20+08:00 |
| 影片長度 |
00:09:00 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/b6da7da99b942369d127e6d0ada63057693dd611367b4dddd78ea87b1712f882a776b5aef8effbec5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
顏寬恒 |
| 委員發言時間 |
10:47:20 - 10:56:20 |
| 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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各位歷史觀影大家早主席有請金管會彭主委那請彭主委 |
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30.492 |
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委員好主委早請教主委有關於這個保單結業金的強制執行門檻規定單一授權保單結業金未超過債務人所在地區每月最低生活費1.2倍乘以3個月的標準時該保單才不得被扣押或強制執行 |
| transcript.whisperx[2].start |
31.172 |
| transcript.whisperx[2].end |
59.415 |
| transcript.whisperx[2].text |
那以台中市為例最低生活費乘以1.2倍乘以3個月的金額大概是57877元那最高的台北市大概是73364元那其實這引發很多問題啦因為全國標準不一那這個受險或者是年金險的這個保費費率不會因為地區不同而有所差異那付的是一樣的錢那住在農村的人跟住在台北市 |
| transcript.whisperx[3].start |
60.897 |
| transcript.whisperx[3].end |
77.939 |
| transcript.whisperx[3].text |
購買同一個同一張保單付的這個保費費率都一樣那為什麼住在鄉下非六都的人保單反而容易觸碰到被扣押的紅線 容易被解約那這個不合理 這就不合理了那保單 |
| transcript.whisperx[4].start |
79.42 |
| transcript.whisperx[4].end |
99.488 |
| transcript.whisperx[4].text |
住偏鄉的人他收入可能會比較低可能會比較低那如今又要被用相同相對嚴格的標準來對待那不就等於說被扒了兩次皮所以我認為說如果要做盡可能的做到一致性 全國一致那這樣才能夠避免不同縣市的民眾面對不公平的一個處境 |
| transcript.whisperx[5].start |
100.848 |
| transcript.whisperx[5].end |
118.017 |
| transcript.whisperx[5].text |
那主委有沒有考慮再做修正例如說有其他委員的版本所提到的最低工資或者是直接以台北市作為這個標準以台北市的標準作為門檻做到全國統一是 謝謝委員的關心我想這個議題委員講的這個很多人都關心這個議題 |
| transcript.whisperx[6].start |
119.518 |
| transcript.whisperx[6].end |
140.237 |
| transcript.whisperx[6].text |
我們在公聽的時候我們也注意到其實我們當初訂立這個本意我再一次強調我們並沒有要針對不同地區的國人有不一樣待遇的這樣的一個想法我們只是當時原來尊重強制執行法上面本來就採用這樣的標準但是我們既然單獨立法剛剛也提到了委員剛剛提到也有人提出兩個非常好的想法 |
| transcript.whisperx[7].start |
140.777 |
| transcript.whisperx[7].end |
160.397 |
| transcript.whisperx[7].text |
一個就是我們能不能就以這個相同的標準就以台北市或是最高的那個作為一個統一的標準這樣就不會有剛才委員所顧慮的點了這一點我們是剛才有幾位委員要表達說我們覺得這個也是個好的方法我們可以來思考所以有考慮啊這個回去跟委員跟鄉親解釋其實沒有這個意思謝謝好 |
| transcript.whisperx[8].start |
161.838 |
| transcript.whisperx[8].end |
186.809 |
| transcript.whisperx[8].text |
那以債務人所在地區這樣1.2倍乘以3個月的標準是確實是太低啦那尤其是高齡債務人這次修法當中被關注的一個弱勢這個群體那他們的經濟來源都是依賴退休金社會保險或者是社會保障或保險金等所以被強制扣押就會使得他們在生活面會面臨到很大的壓力尤其是高齡者 |
| transcript.whisperx[9].start |
187.449 |
| transcript.whisperx[9].end |
207.762 |
| transcript.whisperx[9].text |
那他們的身體無法像年輕人一樣積極的參與工作所以保險金就是成為他們維持基本生活的主要依賴那如果強制執行門檻過低沒有做一致性的我們剛剛提到的說如果以台北市為最高標準的這個部分來做一個思考那這樣子的話 |
| transcript.whisperx[10].start |
208.963 |
| transcript.whisperx[10].end |
225.844 |
| transcript.whisperx[10].text |
這些高齡債務人可能就無法滿足他們日常生活所需那如果修法後這個保單解約金的強制執行門檻還是那麼低他要面對的雙重壓力除了說一方面要面對償還債務人壓力困境另外一方面又要 |
| transcript.whisperx[11].start |
226.244 |
| transcript.whisperx[11].end |
238.56 |
| transcript.whisperx[11].text |
又失去了生活的保障所以對於年紀大或者健康不佳的人來說這相對是非常危險的情況所以我們在立法的同時也要考量到弱勢群體他們的處境所以有關於標準的部分 |
| transcript.whisperx[12].start |
242.765 |
| transcript.whisperx[12].end |
266.74 |
| transcript.whisperx[12].text |
再請主委就以我們剛剛您也提到了說以單一縣市台北市為例來做一個這樣子的一個一個更具體的一個思考來做這樣的決定那我們也在這個司法院的報告書裡面也有看到他們也有指出說倘若執行之解約金債權金額僅為每人每月最低生活費1.2倍 |
| transcript.whisperx[13].start |
268.081 |
| transcript.whisperx[13].end |
287.852 |
| transcript.whisperx[13].text |
計算乘以三個月恐難以充分保障收益人之基本生活所以他們也建請說就豁免執行門檻之計算月數再行斟酌提高所以我們用各個這些相關大家提出來這些意見來做一個對於人民弱勢群體更具保障的立法的一個目的 |
| transcript.whisperx[14].start |
290.273 |
| transcript.whisperx[14].end |
304.787 |
| transcript.whisperx[14].text |
那我想金管會在這邊既然有願意來做調整那我們也很期待那要兼顧到所有群體的需求尤其是高齡者低收入還有這個長期病患這些弱勢的群體因為 |
| transcript.whisperx[15].start |
306.408 |
| transcript.whisperx[15].end |
327.778 |
| transcript.whisperx[15].text |
他們在生活當中本來就是處於困境之中如果面對保單強制執行的問題造成生活品質的下降這些部分會更讓他們感到困難也許會產生其他的危險性那我再請教一下就是我們小兒中老這個部分剛剛我提到其他委員都有提到 |
| transcript.whisperx[16].start |
328.638 |
| transcript.whisperx[16].end |
352.566 |
| transcript.whisperx[16].text |
那小兒中老部分能不能強制執行的問題這好像金管會跟司法院還有法務部這邊都有不同的看法那去年金管會保險局已經建議司法院的執行原則法務部在去年都已經發給各分署執行裡面規定說小兒中老保險豁免強制執行 |
| transcript.whisperx[17].start |
354.861 |
| transcript.whisperx[17].end |
375.639 |
| transcript.whisperx[17].text |
但是今天我們的這個保險法修正草案卻允許小兒中老可以被強制執行所以其實你們自己建議保護部要豁免但是結果這個保險法的修法沒有納入豁免這個讓大家有看沒有懂所以說去年你們是建議要這樣子那今年你們又沒有把它納入豁免所以 |
| transcript.whisperx[18].start |
376.58 |
| transcript.whisperx[18].end |
395.555 |
| transcript.whisperx[18].text |
我是建議主委啦這樣子政策不同調會讓民眾搞不清楚除了看不懂之外會覺得政府又在亂搞所以我想說在這邊要請主委說是不是再一次的跟司法院跟法務部討論小中老保險強制執行要不要豁免這個部分可以嗎 |
| transcript.whisperx[19].start |
396.855 |
| transcript.whisperx[19].end |
412.919 |
| transcript.whisperx[19].text |
根文報告其實沒有說我們的政策不一的問題因為主要是我們去年訂那個指引就是我們在預告的時候有很多人提出非常多的質疑因為我們整個立法過程當中我們要查納亞言就是說他認為說這樣的方式 |
| transcript.whisperx[20].start |
415.26 |
| transcript.whisperx[20].end |
416.241 |
| transcript.whisperx[20].text |
在前面幾個委員質詢有兩點跟委員報告 |
| transcript.whisperx[21].start |
433.531 |
| transcript.whisperx[21].end |
459.645 |
| transcript.whisperx[21].text |
額度的部分 我覺得我們尊重我們整個我們大院審查的結果這我們剛剛提過 大家有不同的考量再來對小額中老保險的部分我們剛才行政版本是一個原則性的排除如果針對特別的部分的話我們也是尊重 只是說不要用商品名稱因為小額中老保險不是一個法律週延的名詞是一個商品的名稱用這個方式 剛剛前面委員也有提 |
| transcript.whisperx[22].start |
460.986 |
| transcript.whisperx[22].end |
473.794 |
| transcript.whisperx[22].text |
我想這邊都可以在未來在條文討論的時候呢我們都持開放的態度金管會強調的是維護債權人的權益沒有是平衡要橫平那司法院他關注的是弱勢這個群體的保障 |
| transcript.whisperx[23].start |
478.258 |
| transcript.whisperx[23].end |
495.175 |
| transcript.whisperx[23].text |
司法院他規定說小兒中老保險豁免這個強制執行是因為小兒中老保險是因為我們我國人口我國人口這個高齡化的趨勢那普及高齡者基本保險保障而推動的這個保險商品 |
| transcript.whisperx[24].start |
495.876 |
| transcript.whisperx[24].end |
522.071 |
| transcript.whisperx[24].text |
那所以因此明定小兒中老保險商品不得強制執行那你剛剛提到當然你就說你要平衡你要保障這些東西所以我希望就是說你們要好好討論溝通不要這樣子不同調不要讓民眾看不懂你們到底要做什麼去年建議豁免那今年又把又把它剔除在豁免的這個範圍之內所以我想希望你們這邊能夠跟司法院法務部充分溝通達成共識 |
| transcript.whisperx[25].start |
522.831 |
| transcript.whisperx[25].end |
534.836 |
| transcript.whisperx[25].text |
這沒問題我們已經有在溝通這個問題我想說這個各方有各方的不同意見我們都來尊重大家來考慮謝謝謝謝委員謝謝好謝謝那我們現在休息10分鐘 |