| IVOD_ID |
160792 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/160792 |
| 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 |
2025-04-30T11:16:12+08:00 |
| 結束時間 |
2025-04-30T11:28:59+08:00 |
| 影片長度 |
00:12:47 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/b6da7da99b942369396a651cafd4e845693dd611367b4dddd78ea87b1712f8822f53a3f22e0942d75ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
羅明才 |
| 委員發言時間 |
11:16:12 - 11:28:59 |
| 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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| transcript.whisperx[0].start |
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主席可不可以請彭主委請彭主委 |
| transcript.whisperx[1].start |
9.978 |
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30.827 |
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您想想所有的銀行、證券、保險事實上最重要的是安定要穩定那自從美國川普上任一百天以來可以說是世界上史料上從來未見的上沖下洗 |
| transcript.whisperx[2].start |
31.84 |
| transcript.whisperx[2].end |
53.516 |
| transcript.whisperx[2].text |
那對於未來目前大概他是講說未來的90天的關稅的問題不曉得主委面對台灣整個股市最近的發展有沒有信心那兩萬點到底站得住站不住因為大家都在看日均量 |
| transcript.whisperx[3].start |
54.946 |
| transcript.whisperx[3].end |
65.032 |
| transcript.whisperx[3].text |
最近有一些萎縮的情況兩千多億三千億跟過去以往五千億五千多億 |
| transcript.whisperx[4].start |
66.272 |
| transcript.whisperx[4].end |
88.429 |
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已經越走越遠了這個也是不是代表一個整個股市熊市的來臨我想委員這樣講我有些是認同有些沒那麼認同第一個就是我們確實從4月2號開始其實我們除了有兩天因為那個量超過6000億接下來大概就維持在2000再3000億左右 |
| transcript.whisperx[5].start |
92.532 |
| transcript.whisperx[5].end |
112.748 |
| transcript.whisperx[5].text |
那確實比去年的我們的日均量比如說是有比較低我想這也是反映了市場對未來不確定性的一些的一致性的看法雖然剛剛委員提到就是說我們現在台股現在這兩天重新回到了所謂的兩萬點的這樣一個心理的一個關卡不過 |
| transcript.whisperx[6].start |
113.669 |
| transcript.whisperx[6].end |
128.678 |
| transcript.whisperx[6].text |
我們站在一個資本市場的主管機關的角度我們還是一樣我們在在乎的是市場機制能不能充分的發揮能不能是一個沒有能夠去除一些非理性的行為這部分我們是在對這個看法 |
| transcript.whisperx[7].start |
129.518 |
| transcript.whisperx[7].end |
157.455 |
| transcript.whisperx[7].text |
當然我們也看到就是台灣的產業在過去一年包括這個最近揭露這一季的報告我想大家都看到了其實我覺得台灣有很強的基本面的支撐所以剛剛那個委員說對未來台灣資本市場我們還是深具信心所以不論是滿漢全席甚至什麼排骨麵炸醬麵金管會所維持永遠就是基本面 |
| transcript.whisperx[8].start |
159.246 |
| transcript.whisperx[8].end |
160.067 |
| transcript.whisperx[8].text |
我們從我們最近揭露的一個財報數字這一季 |
| transcript.whisperx[9].start |
176.9 |
| transcript.whisperx[9].end |
202.29 |
| transcript.whisperx[9].text |
所有的營收跟獲利都創下非常好的成績剛才委員講說基本面我覺得如果說講個開玩笑基本面是外面資本因為所有的消息面最後還是會回歸到基本面沒有基本面的支撐其實我覺得資本市場是沒有基礎所以我覺得這還是非常重要既然基本面是如此的重要 |
| transcript.whisperx[10].start |
202.89 |
| transcript.whisperx[10].end |
220.384 |
| transcript.whisperx[10].text |
那本席有提了一個就是保險法第146條知事的修正條文那很可惜就這一次在整個修法當中好像沒有列入進去那事實上如果這個有關所有保險業的資金 |
| transcript.whisperx[11].start |
222.692 |
| transcript.whisperx[11].end |
234.601 |
| transcript.whisperx[11].text |
當初我就未雨綢繆希望說台灣受險也好 產險也好投資海外的部分應該要多多來關心關愛台灣的 |
| transcript.whisperx[12].start |
237.219 |
| transcript.whisperx[12].end |
265.87 |
| transcript.whisperx[12].text |
企業的發展特別是剛剛主委的一席話更印證了很多的上市公司保險公司不見得要投資海外最近整個售險公司的淨值嚴重的下滑大概慘跌超過2200億以上看到現在整個大環境的變化保險業大概面臨了一個三大危機 |
| transcript.whisperx[13].start |
267.401 |
| transcript.whisperx[13].end |
286.776 |
| transcript.whisperx[13].text |
第一個,美國股市下跌第二,美國公債嚴重發生變化第三個,台幣的匯率不斷的升值面對這樣的情況現在在下個月,就是五月 |
| transcript.whisperx[14].start |
287.335 |
| transcript.whisperx[14].end |
310.147 |
| transcript.whisperx[14].text |
那請問五月整個授權的它的淨值比會不會嚴重再往下掉我想這個淨值比啊它是根基於我們的IFRS財報的數字財報它的基本原則就是充分的反映當下所有的資訊來得快去得也快所以各位看到第一季 |
| transcript.whisperx[15].start |
311.167 |
| transcript.whisperx[15].end |
329.417 |
| transcript.whisperx[15].text |
它會比較大的下滑剛好去年的基期是最高的那當然這個因為我們的淨值的波動直接反映了這些數字其實從長遠的角度來看不見得代表就是一個趨勢的確定我想這是也要再三的說明不過 |
| transcript.whisperx[16].start |
330.177 |
| transcript.whisperx[16].end |
348.485 |
| transcript.whisperx[16].text |
任何一個的巨大的波動都是一個很重要關注的點所以剛剛有委員關心過我們有沒有針對這些東西做一些推演那當然是我們日常監獄的一部分剛剛委員用三大危機來形容我會覺得比較好是三大挑戰因為其實壽險業擁有這麼大的龐大資產 |
| transcript.whisperx[17].start |
351.986 |
| transcript.whisperx[17].end |
368.228 |
| transcript.whisperx[17].text |
然後有這麼多的海外的投資那當然是他過去的很多歷史因素的造成那當然他就會受到股價匯率跟利率的影響這個影響是中性的有時候好有時候不好比如說也許我們的匯率台幣漲 |
| transcript.whisperx[18].start |
369.549 |
| transcript.whisperx[18].end |
395.408 |
| transcript.whisperx[18].text |
對我們的那個那個債務工具評價會下跌但是呢帶動的利率下跌它的評價又會上升相對的未來我們接軌以後負債也會隨著利率而同步的波動其實這很多的是很複雜我們隨時來關注這件事情所以請教一下現在國內所有的產險、售險總市值大概是多少 |
| transcript.whisperx[19].start |
395.948 |
| transcript.whisperx[19].end |
415.505 |
| transcript.whisperx[19].text |
市值我沒有這個數字因為我們其實現在大部分都沒有上市櫃現在已經成長到大概37兆左右因為我們現在大部分的保險公司很多是在金控下面他不上市了所以沒有我們只有少數公司單獨是在上市所以市值比較可能沒辦法看出他們真正的下市我們看到最近這個剛剛有說三大挑戰的 |
| transcript.whisperx[20].start |
417.483 |
| transcript.whisperx[20].end |
419.426 |
| transcript.whisperx[20].text |
過去我們有一家正在做增資改善計畫中哪一家 |
| transcript.whisperx[21].start |
435.807 |
| transcript.whisperx[21].end |
453.082 |
| transcript.whisperx[21].text |
我們就不要這邊單獨講一下另外低於300以下還有哪幾家300的數字因為這是動態的啦我待會請同仁稍微提供一下我再跟委員報告即便是動態啦那我們就是從3月底好了 |
| transcript.whisperx[22].start |
453.842 |
| transcript.whisperx[22].end |
466.192 |
| transcript.whisperx[22].text |
這個資料都有不過我們法定的這些的減核點是6月30號那一點跟12月31號那一天那其他他們算的只是他們內部參考用的所以每個月變動的情況你們數字上應該都有所以這些涉險公司面臨了很多爭執的壓力 |
| transcript.whisperx[23].start |
473.437 |
| transcript.whisperx[23].end |
499.123 |
| transcript.whisperx[23].text |
大概今年預估會有幾家壽險公司需要增值現在我們如果從我們最新一季的資本市足率來看的話現在沒有立即上面這些的問題但是呢國際的金融情況隨時在變化假如持續下去的話我們保險法的增值不是說一碰到那個比如說不到200或不到3%就要增值不是這樣因為那個是波動很大我們會連續觀察兩期還有就是它 |
| transcript.whisperx[24].start |
501.263 |
| transcript.whisperx[24].end |
530.163 |
| transcript.whisperx[24].text |
我們分成四級來管理比如資本不足 嚴重不足 顯著不足所以最近會不會有發生接管的問題那當然這個是我覺得現階段沒有這樣考慮保險安定基金現在有多少如果上次我沒記錯大概大概現在430幾億400多億的話夠不夠那個沒關係因為我們所有的這個未來他都有一些的籌資就是說安定基金他會 |
| transcript.whisperx[25].start |
531.478 |
| transcript.whisperx[25].end |
551.507 |
| transcript.whisperx[25].text |
這個逐步在累積依保險法的規定它未來可以有譬如說可以借款可以做其他的方式來籌資倒不是說一定要用這個錢做一個基礎啦是 我們看到整個壽險公司海外的投資比越來越高現在投資海外大概有多少的金額現在大概是60%左右總資產裡面大概60% |
| transcript.whisperx[26].start |
557.226 |
| transcript.whisperx[26].end |
578.893 |
| transcript.whisperx[26].text |
這個比例是相當高的而且授權公司大概很多都是大多數押債美國公債或者是美國的一些其他公司債大概押債美國公債的部分統計大概有多少其實授權公司買美國公債不多大概佔5700 |
| transcript.whisperx[27].start |
581.454 |
| transcript.whisperx[27].end |
607.727 |
| transcript.whisperx[27].text |
五十幾億左右對但整個它將近美國投資將近比如說將近接近九兆多其實不算高那個比例他們主要受險公司他投資比較多的是在公司債這些比較評級比較高的公司金管會會不會要求他們為了風險的考量美元可能會繼續貶啊而且不是貶而已啊是大貶啊我們看到 |
| transcript.whisperx[28].start |
609.541 |
| transcript.whisperx[28].end |
631.5 |
| transcript.whisperx[28].text |
台幣對美元的匯率最近台幣不斷的升值因為美國給全世界每個國家都很大的壓力所以面對這個情況經營管會會不會道德勸說要求他們在投資美國公債或是美國公司債方面要審慎的考量 |
| transcript.whisperx[29].start |
632.16 |
| transcript.whisperx[29].end |
659.003 |
| transcript.whisperx[29].text |
當然我們對於國外投資啊他們大概都有一定的這個這個方法跟管控的工具剛剛我們報告為什麼他們要買這些投資平級的公司債而且長期我有看過那數據他們的比重是分配在20年左右的常債身上他們買這個比例不是為了交易他是為了要持續的獲得報酬跟他的負債做對應就是利息啦 |
| transcript.whisperx[30].start |
659.723 |
| transcript.whisperx[30].end |
685.697 |
| transcript.whisperx[30].text |
所以說這些短期的波動對他實質的經營跟流動性而言是沒有太顯著影響只是說會計的評價部分會比較大的波動主委可是川普他說建議說100年那個利息就先免掉啊這我們的評估應該是針對政府跟政府之間啦對民間的部分第一個大概大陸嘛那還有日本嘛台灣外匯存底也非常多啊 |
| transcript.whisperx[31].start |
686.656 |
| transcript.whisperx[31].end |
700.338 |
| transcript.whisperx[31].text |
我們買了92%的公債但是那是政府的部分我們剛剛提到我們的授請公司是這些民間公司購買美國公債的部分其實比例相對是比較低的啦那還是希望 |
| transcript.whisperx[32].start |
701.496 |
| transcript.whisperx[32].end |
729.048 |
| transcript.whisperx[32].text |
主委這邊可以多多勸說台灣的基本面那麼好的話可不可以讓這些受險公司的資金趕快回流台灣做公共建設也好做長照也好這是我們努力的方向就是我們在跟國發會推動那個兆元投資我們希望說我們各個部會能夠多多提供很好的投資標的讓我們台灣所收到的保費能夠投資在台灣這是我們努力的方向這半年來有回來的嗎 |
| transcript.whisperx[33].start |
731.194 |
| transcript.whisperx[33].end |
755.368 |
| transcript.whisperx[33].text |
就是我們對新錢的部分我們鼓勵他留在台灣每年的話會增加差不多大概是1.5到2.5兆之間的新錢今年有投資台灣嗎我們鼓勵他們這樣做還沒開始還是要有標的才是最重要的加強力度那今天的部分討論的我還希望說站在民眾深斗小民的立場多多為他們的權益來著想我們當然謝謝 |
| transcript.whisperx[34].start |
757.31 |
| transcript.whisperx[34].end |
760.418 |
| transcript.whisperx[34].text |
好 謝謝 謝謝明財接著請李坤城委員質詢 |