| IVOD_ID |
160796 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/160796 |
| 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 |
2025-04-30T11:29:04+08:00 |
| 結束時間 |
2025-04-30T11:42:11+08:00 |
| 影片長度 |
00:13:07 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/b6da7da99b942369931e149a6dc879cd693dd611367b4dddd78ea87b1712f882123c9bf4d9a557af5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
李坤城 |
| 委員發言時間 |
11:29:04 - 11:42:11 |
| 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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謝謝主席那我們請這個金管會的彭主委是 請主委 |
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那今天討論這個保險法的修法然後大家這個焦點大概就放在說這一個所謂的保單的豁免的額度大概是多少另外就是說這個不得作為抵押扣押或是強制執行的這個標的那我先說一下就是說我自己也有提案那關於說這一個 |
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保單的豁免額度啦那你們是提到說衛生福利部啊、直轄市政府啊公告當地區每人最低每月最低的生活費的這個1.2倍的三個月計算啦那其實之前大家都討論過這樣就變成說每個地方會不一樣所以本期才會提案說那是不是就是用 |
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台北市因為台北市是最高嘛台北市的最低的生活費7.3萬來做一個標準那不曉得這個主委看法怎麼樣謝謝委員我想說我們行政版本提出來以後經過大院公聽會還有收集各方的意見確實我們從減政變民降低社會成本的角度來看又能只要能夠達成我們的立法的目的我們對剛剛那個提案我們是覺得是個不錯的想法啦我們可以可以朝這個方向來思考這樣好啊 |
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101.16 |
| transcript.whisperx[4].text |
那我是希望說,就是說我們用一個單一的標準,朝這個原則來進行,好不好那當然我看司法院,他們也有提出他們的看法啦就是說他們認為說,如果說現在是用每人每月最低生活費1.2倍計算的三個月,恐難以充分保障受益人的基本生活那請問一下主委的看法 |
| transcript.whisperx[5].start |
102.1 |
| transcript.whisperx[5].end |
119.544 |
| transcript.whisperx[5].text |
這個主要是當時我們會有這樣的想法我們是基於就是說我們要橫憑考量債權債務人的這樣的權益再來就是說我們對這個計算的方式我們是參考司法院的這樣的標準否則我們不會用這麼長的文字去描述這個事情司法院他認為說1.2倍的三個月他認為不夠 |
| transcript.whisperx[6].start |
122.805 |
| transcript.whisperx[6].end |
145.882 |
| transcript.whisperx[6].text |
那我們剛才在那個報告我們經過這一輪公聽溝通的過程當中我們也認為說我們對這個是持開放的態度所以也不是侷限在就是說是1.2倍的三個月嗎所以是可以調整的嗎對對對就是說大家只要委員會大家有共識我們都尊重那另外就是說這個本席也有提到就是說 |
| transcript.whisperx[7].start |
147.583 |
| transcript.whisperx[7].end |
165.691 |
| transcript.whisperx[7].text |
我想對於這個健康險跟傷害險大概都沒有意見我有加入這個小兒中老的保險把它加進去我發現說這個司法院其實他們也有提出的意見其實跟我們的看法是差不多的就是說 |
| transcript.whisperx[8].start |
168.553 |
| transcript.whisperx[8].end |
191.633 |
| transcript.whisperx[8].text |
考量小兒中島保險是因應我國人口高齡化的趨勢為普及高齡者申僱或失能之基本保險保障而推動的保險商品所以他認為應該把它拿進去然後我再舉司法院的民事庭他們的意見他說去年司法院在執行受險執行原則的時候有找金款一起討論 |
| transcript.whisperx[9].start |
192.293 |
| transcript.whisperx[9].end |
218.56 |
| transcript.whisperx[9].text |
那時候呢是有把這個小兒中老保險呢把它納進去的喔那所以呢去年的7月1號呢他們這個執行原則是有把這個小兒中老保險把它執行進去那如果說你現在這個草案呢又沒有把它執行進去的話那對於他們來講會變成這個一些爭議就是說那現在在求人就是說那現在有這個沒有滿足他們的需求他再度外居申請啊又有這個爭議然後呢法務部有認為說這個 |
| transcript.whisperx[10].start |
220.9 |
| transcript.whisperx[10].end |
236.865 |
| transcript.whisperx[10].text |
執行的原則呢規定小額中老保險的豁免執行然後呢他們也按照這個原則去做所以呢如果沒有把這個小額中老保險把它納進去的話呢他也會面臨到跟司法院相同的這個問題啦所以我請教一下這一個主委的看法 |
| transcript.whisperx[11].start |
237.845 |
| transcript.whisperx[11].end |
252.312 |
| transcript.whisperx[11].text |
謝謝委員的關心其實這個議題剛剛從早上到現在非常多委員有蠻一致的關切其實我們提這個版本出來的時候我們主要是希望回歸到一個保險法裡面的精神因為我們保險法 |
| transcript.whisperx[12].start |
253.433 |
| transcript.whisperx[12].end |
262.659 |
| transcript.whisperx[12].text |
人身保險商品就四大類的分類其實沒有一個叫做小額中老保險他就是一個終身受險啊對對對就是說他就是一個其實他就會被那個名稱啊後來我們也講說現在如果說大家社會有共識的話我覺得 |
| transcript.whisperx[13].start |
269.284 |
| transcript.whisperx[13].end |
297.345 |
| transcript.whisperx[13].text |
列上去我們是持一個開放單但不要用這個小額綜合保險的名稱那可以啊就是說我們不一定要用這個名稱嘛就是說它是類似這種終身受險的名字就計算一下好不好不是那個名稱要回到保險法上條文週延正確的名稱那也可以啊那因為就是說提到說我剛提到說因為去年其實你們有把這一個這個小額綜合保險我現在先用這個名詞把它納進去然後在今年草原就沒有那考量是什麼 |
| transcript.whisperx[14].start |
297.645 |
| transcript.whisperx[14].end |
323.147 |
| transcript.whisperx[14].text |
沒有 其實應該主要是說你看我們那個原則其實某種程度的話就已經包含它了它本身也是一個人壽保險的一部分只要是它的解約金沒有達到大部分我們也看小兒中小兒保險大部分假設你是一個比較是如果你不是高齡投保的話其實這樣假設額度把它拉到一定程度你某種程度也是含瓜我們只是說不要針對一個特殊的險種做這樣額外的規定但是假設大家覺得小兒中小兒保險有它政策上的推動 |
| transcript.whisperx[15].start |
323.767 |
| transcript.whisperx[15].end |
349.787 |
| transcript.whisperx[15].text |
我們也是可以來討論但是不要用我再強調不要用一個我知道就是不要用這個詞啦回到他的精神因為其實我們還有很多跟他非常非常相同的這些的這個人壽保險契約一樣有這個社會保障功能有沒有這樣就能夠被涵蓋到我覺得這樣也是一個比較周延的想法不錯我看金管會這個態度算都是還蠻開放的我們是要解決問題不是要 |
| transcript.whisperx[16].start |
352.009 |
| transcript.whisperx[16].end |
380.378 |
| transcript.whisperx[16].text |
因為我們覺得還是要考量大多數的人的權益還要橫平一下債權債務人的關係好 那再請教一下主委這個報紙最近這兩天有提到說這個備想科技它是說它是全國唯一金管會授權的這是它自己的廣告後來我發現它其實沒有講金管會我有上它網站去看它是講監理會全台唯一授權它也不敢講金管會它是講監理會全台唯一授權那請教一下 |
| transcript.whisperx[17].start |
381.218 |
| transcript.whisperx[17].end |
402.92 |
| transcript.whisperx[17].text |
其實這個必享科技當初也有提出這個洗錢防治法的聲明最低度的聲明那你們現在不是又要求說這裡有21家本來有提出聲明的這些要去做洗錢防治的登記嗎這21家都有去登記嗎有些沒有 |
| transcript.whisperx[18].start |
407.885 |
| transcript.whisperx[18].end |
434 |
| transcript.whisperx[18].text |
剛剛同學講有兩家沒有來登記有兩家21家有去做這個洗錢防治法的說明我覺得應該是第一階段有26家後來有幾家沒有就剩23家23家在這一波我們的最後期限3月31號以前沒有來做登記的那這個又扣掉兩家所以21家還有其他不是洗房生民來申請登記的那加起來應該有31家加起來有幾家 |
| transcript.whisperx[19].start |
439.383 |
| transcript.whisperx[19].end |
464.742 |
| transcript.whisperx[19].text |
總共現在還有31家本來是21家有做這個保證說明的23 21有來繼續做登記然後10家是另外之前沒有來做這個保證說明的但是他們新加進去的但是並不代表他們都會通過因為我看你們這個登記的辦法你們是說9月底之前還要再完成洗錢的房子登記 |
| transcript.whisperx[20].start |
465.682 |
| transcript.whisperx[20].end |
482.482 |
| transcript.whisperx[20].text |
因為我們是給這些比如說已經做完洗房聲明一個六個月的緩沖期就說如果你今天到比如說跟我們報告分兩種剛才後面加入十個他現在也不能做業務他等到我們同意他以後他才可以做業務因為他是以前沒有洗房聲明的 |
| transcript.whisperx[21].start |
483.123 |
| transcript.whisperx[21].end |
512.238 |
| transcript.whisperx[21].text |
那啟發聲明他現在就在進行他的業務但是呢他如果還要想繼續做下去的話他必須要在3月30要提出而且在9月取得我們的登記許可才可以繼續如果沒有取得就直接出局所以現在是我這樣聽是21家還是可以提供服務那另外那10家還要你們在還要在另外在這個在考核他是新來的要取得許可登記許可以後才可以執行業務好然後在9月底 |
| transcript.whisperx[22].start |
513.098 |
| transcript.whisperx[22].end |
539.198 |
| transcript.whisperx[22].text |
你們會在最後做審查,9月底有通過才能做這個虛擬資產服務就對了對,就是剛才新來的要通過才能做那些已經有的呢,要再取得這個東西才可以繼續做否則你只能做到9月人家幣翔也有去登記啊,我看那個名單上面也有啊他來登記並不代表會同意啊對啊,我是說登記是你的權利啊核准是金管會的職責啊那你們也是看到媒體之後才知道這件事情嗎 |
| transcript.whisperx[23].start |
540.018 |
| transcript.whisperx[23].end |
555.853 |
| transcript.whisperx[23].text |
我們過去大概針對這幾家我們已經查過十家我們對很多疑慮我們大概都有去做一些查核當然這個當然是媒體揭露以後他主要開了一些分店那主要都是進行現金交易嘛這個部分未來我們也會針對這個虛擬資產的部分我們會 |
| transcript.whisperx[24].start |
559.716 |
| transcript.whisperx[24].end |
586.121 |
| transcript.whisperx[24].text |
改成無現金交易的方式來處理可以大幅降低這樣的問題你說改成怎樣無現金交易那你們說你們之前有有石家左右你們有疑慮去查有沒有包過幣匣這個我們請檢察局來 請跟委員報告在112年跟113年完成的石家那那個114年的部分是在這個禮拜一有到幣匣那邊去做現場的去了解這樣子 |
| transcript.whisperx[25].start |
587.134 |
| transcript.whisperx[25].end |
601.957 |
| transcript.whisperx[25].text |
那是媒體介入之後啊檢調都去查之後啊是 那在這個之前部分我們也是有跟檢警調單位部分有做一些的情資的交流所以我是說是在案發之前還是之後 |
| transcript.whisperx[26].start |
602.378 |
| transcript.whisperx[26].end |
618.111 |
| transcript.whisperx[26].text |
是我們在案發之後在這個因為上個禮拜就有那個進行搜查嘛那所以我們禮拜一就派員到現場那所以你們也是案發之後才知道這件事情就對了是是是但是在之前的部分我們有做一些資訊的一些的交流好最後請教齁這個主委虛擬資產 |
| transcript.whisperx[27].start |
620.533 |
| transcript.whisperx[27].end |
646.273 |
| transcript.whisperx[27].text |
服務法 你們現在是在三月的時候有公布預告這個草案大概何時會送來立法院我們現在是這樣 我們大概預告兩個月然後在中間大概開二十二還二十三場的說明跟溝通會我們回來以後會來整理我們的預計的時程是六月三十號以前送進行政院那行政院就會由政委來跨部會來審查那期間多久就不是我們金管會所能夠管控 |
| transcript.whisperx[28].start |
646.713 |
| transcript.whisperx[28].end |
673.502 |
| transcript.whisperx[28].text |
那至少6月底要送到行政院就對了行政院要先做跨部會的審查完畢就會送到大院來審查那看起來應該下半年度有這個機會我覺得我們6月30號出去就看我們行政院審查的進度跟各界的共識的程度好 那我請教一下因為大家說這個其中有一個最大的亮點是允許銀行發行穩定幣那這個穩定幣是什麼 |
| transcript.whisperx[29].start |
674.242 |
| transcript.whisperx[29].end |
702.5 |
| transcript.whisperx[29].text |
穩定幣的話就是我們想說我們大家過去對那個虛擬資產特別是比如說我們這個虛擬貨幣大家都覺得它的波動很大因為它的價值大家有不同的看法穩定幣就是我們可以想像成1比1的代幣就是比如說是以新台幣作為我們現在初步是以貨幣作為這個當然我們現在的講法當然是先以我們的法幣當然我們在草原裡面沒有排除哪一種貨幣因為現在世界上共通最多的穩定幣應該是美元 |
| transcript.whisperx[30].start |
703.28 |
| transcript.whisperx[30].end |
722.259 |
| transcript.whisperx[30].text |
但是我們也可以透過各種的幣別當然我們現在的規劃只是先做貨幣就法定貨幣作為所以有可能是新台幣但也有可能美元對 就看我們市場上面但是這個東西只要在國內發它就有保管資產會保管在國內這部分其實上就是1比1這樣的概念 |
| transcript.whisperx[31].start |
723.32 |
| transcript.whisperx[31].end |
740.475 |
| transcript.whisperx[31].text |
一比一的概念那這個跟那個中央銀行還有這個數位貨幣那個咧它那個CDBC它有兩個那是不一樣的東西是不一樣的東西那個四大類裡面的其中一類這樣他們是另外的那兩類那發行那個穩定幣的作用在於哪裡 |
| transcript.whisperx[32].start |
741.235 |
| transcript.whisperx[32].end |
762.767 |
| transcript.whisperx[32].text |
穩定幣啊 比如說我們想說我們剛才講一般民眾如果是你要投入這個穩定幣投入虛擬資產之前你不是會從我們的法幣帳戶換成一個穩定幣以後穩定幣才能夠跟其他的虛擬資產進行交換那等於說它是一個橋接的一個工具啊就像我們現在去購買虛擬資產我們先換成泰達幣 |
| transcript.whisperx[33].start |
765.729 |
| transcript.whisperx[33].end |
781.584 |
| transcript.whisperx[33].text |
穩定幣美元的穩定幣以後才去開始去購買其他的產品所以說這個就是有確定要做就對了這個在我們草案裡面就看社會公司如果通過的話就會做OK好謝謝主委謝謝主席好謝謝坤臣接著請黃珊珊委員質詢 |