| IVOD_ID |
160800 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/160800 |
| 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 |
2025-04-30T11:42:18+08:00 |
| 結束時間 |
2025-04-30T11:53:19+08:00 |
| 影片長度 |
00:11:01 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/b6da7da99b942369a6abf352a0c6c89c693dd611367b4dddd78ea87b1712f882ce221ba616d86ab85ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
黃珊珊 |
| 委員發言時間 |
11:42:18 - 11:53:19 |
| 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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委員好委員長我想今天大家都非常關心這個保險法的修法那當然剛剛聽到主委是說三個月的部分金管會不堅持是嗎我們持開放態度所以就是說我們還是希望達到一個平衡點這個法案我想在委員會也會很熱烈的討論那介入權的規範其實就是要讓可能受到權益受損的人能夠爭取自己的權益 |
| transcript.whisperx[1].start |
29.214 |
| transcript.whisperx[1].end |
47.374 |
| transcript.whisperx[1].text |
本來他是完全被忽略的能夠保障這張保單位被保障特別受益人的權利沒錯被保險人受益人他都有基本的權利但是在這一波的所謂的強制執行上面完全被忽略甚至沒有權利去主張任何自己的權利好 |
| transcript.whisperx[2].start |
47.975 |
| transcript.whisperx[2].end |
76.063 |
| transcript.whisperx[2].text |
現在借入權裡面包括這個強職我們發現最多的問題是通知不到或者是沒有通知或接下來可能保單都是很久很久以前買的其實在金融機構裡面最大的問題是找不到這個客戶或者客戶的資料早就已經搬家遷移然後甚至沒有辦法通到那法院大概能夠查的都叫做戶籍地址那戶籍地址寄過去沒有就叫做公示送達其實對很多人的權益還是會受影響 |
| transcript.whisperx[3].start |
77.683 |
| transcript.whisperx[3].end |
100.356 |
| transcript.whisperx[3].text |
所以在金融機構目前為止金融機構如果變更地址都是要主動跟金融機構做變更嗎對 如果說你沒有去做通知變更就以原來留的地址對 它就可能會造成沒有辦法知道你的權利受到影響了好 所以現在的數位化其實早就應該這些東西因為像我的保單可能是我二十幾歲買的 |
| transcript.whisperx[4].start |
101.477 |
| transcript.whisperx[4].end |
122.602 |
| transcript.whisperx[4].text |
那時候我可能住在不知道班的前面三個家了所以現在其實在92年行政院在中華郵政有設置了一個通訊地址的遷移通報服務也就是說只要民眾去中華郵政說我現在從通訊地址變更戶籍地址因為有總統的原因可能不能變比如說房子 |
| transcript.whisperx[5].start |
124.143 |
| transcript.whisperx[5].end |
140.142 |
| transcript.whisperx[5].text |
稅金的問題比如說學區的問題他戶籍不能變可是他通訊地址已經變了所以他換了公司了他可能需要通訊地址變所以主委這個東西在我們現在的社會化政府社會化國家目前為止金融機構並沒有參與到中華郵政這個簽職服務 |
| transcript.whisperx[6].start |
143.906 |
| transcript.whisperx[6].end |
157.022 |
| transcript.whisperx[6].text |
這我來瞭解一下不過就是剛剛委員就是我們現在保單的部分我們現在那個我們有做比較保單處的我要說的是金融機構其實是可以運用這個服務但是目前沒有中華幼稚園只通報政府機關 |
| transcript.whisperx[7].start |
158.362 |
| transcript.whisperx[7].end |
177.803 |
| transcript.whisperx[7].text |
我的意思是金管會包括金融機構包括各工會就是開放API讓他能夠查核這樣子的話對我們的保護的權益也比較完整第二個我們也可以鼓勵民眾去中華郵政登錄自己的通訊地址不是要一個一個跑到各個不同的保險公司去登記 |
| transcript.whisperx[8].start |
178.645 |
| transcript.whisperx[8].end |
187.824 |
| transcript.whisperx[8].text |
這我會請我們同仁來了解這是將來借入權或者他權益受損的情況下我覺得現在的數位化政府其實都可以提供這個服務 |
| transcript.whisperx[9].start |
190.277 |
| transcript.whisperx[9].end |
215.923 |
| transcript.whisperx[9].text |
當然所有有利於民眾權益的提升我們都來努力因為到法院去他可以查到戶籍地址查不到戶籍地址以外的通訊地址但是中華郵政紀念有這個服務我覺得金管會有必要把這部分建立起來我們所有的保險契約特別是人身保險契約上面都有個條文約定雙方權利義務關係那個通訊地址的約定你覺得我還會記得我二十幾年前的地址現在的變化我要去通報誰 |
| transcript.whisperx[10].start |
217.423 |
| transcript.whisperx[10].end |
244.05 |
| transcript.whisperx[10].text |
基本上我覺得這是一個便民服務而且金融機關應該可以去取得中華郵政相關的資訊這邊也稍微講一下我們可以去下載那個保單存摺我們可以完整的看到現在過去的狀況可以讓他更更完整第二個部分就是我們看到金融圈最近都在併購所以金管會目前台新新光新興併還有玉山金保德信永豐金金城銀 |
| transcript.whisperx[11].start |
244.83 |
| transcript.whisperx[11].end |
271.179 |
| transcript.whisperx[11].text |
好像破局的還有所謂的凱基跟安泰所以主委你對現在的金融併購你的態度是什麼我想我從去年到現在我們講法都沒有改變因為金融市場是一個高度監禮的市場所以他只要在監禮範圍之內我們都樂觀其成市場的秩序維護跟安定是非常重要的那再來就是市場秩序在併購裡面最關鍵最關鍵的其實是勞工的權益 |
| transcript.whisperx[12].start |
275.169 |
| transcript.whisperx[12].end |
298.23 |
| transcript.whisperx[12].text |
這個點在過去應該已經有一套的處理的模式沒有 還是一直出現狀況當然個別狀況有 但是我們覺得他們已經不斷的在好多了 但是我們可以再避免尤其是將來更多的精精藥病的話現在趙鋒金董事長 董事長那邊他說公股子公司也可以盡量開始整病 主委的態度呢 |
| transcript.whisperx[13].start |
298.666 |
| transcript.whisperx[13].end |
316.136 |
| transcript.whisperx[13].text |
我想這是要尊重財政部的這個看法不過我們站在一個整併那我覺得只要他們能夠擴大忠孝是一個有共識因為我們的台灣銀行現在已經輸給很多民營銀行了我們的公股本來最大的公股銀行現在所有的 |
| transcript.whisperx[14].start |
317.636 |
| transcript.whisperx[14].end |
337.285 |
| transcript.whisperx[14].text |
競爭力都不如民間的銀行這才是我們可能需要重新考慮的地方那我回過頭來講併購裡面其實最大的問題是我剛剛講的勞動權益包括這次出現狀況的最近有的新聞就是新展銀行又去告了他的員工那其實大部分員工是花旗銀行併購過來的 |
| transcript.whisperx[15].start |
338.786 |
| transcript.whisperx[15].end |
355.347 |
| transcript.whisperx[15].text |
那花旗銀行跟欣展銀行在他們談判的過程中尤其是勞工安置的部分有一塊很明顯又有開過協調會就是花旗銀行答應工會的條件因為欣展銀行沒有參與所以他們不認賬 |
| transcript.whisperx[16].start |
356.789 |
| transcript.whisperx[16].end |
371.262 |
| transcript.whisperx[16].text |
等到所有的員工都已經進到欣展銀行有開放所謂的登記提前離職的預告但是只要你去登記了你那一年就拿不到年終獎金也就是說你那一整年的努力都是白費 |
| transcript.whisperx[17].start |
372.303 |
| transcript.whisperx[17].end |
399.848 |
| transcript.whisperx[17].text |
雖然我們開放讓他能夠提前報告他要離職但是年終獎金的權益就這樣被犧牲新展銀行說我不知道啊我不知道你們曾經有過這樣的條件我只知道你們可以提前離職但是我沒有答應一定要給年終獎金這個到勞動部勞動部也認為不妥但是沒有人拿新展銀行有辦法主委我只希望有個要求在併購的過程裡面所有的安置計畫三方都要在場 |
| transcript.whisperx[18].start |
400.968 |
| transcript.whisperx[18].end |
422.896 |
| transcript.whisperx[18].text |
不能推說自己沒參與 就假裝不知道這跟委員說明一下 其實我們在很多的地方都講過 任何一個講過你訂做SOP吧 你要求他們做到吧做不到的時候 你用你的監管系統可以去做處理啊就是說我們在金融整併 它攸關到各方的利害關係沒錯不是只有勞工勞工權益當然很重要 它是其中之一 |
| transcript.whisperx[19].start |
423.676 |
| transcript.whisperx[19].end |
446.862 |
| transcript.whisperx[19].text |
但是勞工權益在他答應之後或者是他推說他沒參與這件事情我覺得比較嚴重你只要說你沒參與你就可以什麼都不做那不是就是騙人嗎那這一點的話我們的不放在你們的併購合約裡不放在你們的promise裡面所以最後變成是勞工當成人大頭嗎現在我們的審核實務他必須要提供這樣一個協議的 |
| transcript.whisperx[20].start |
448.522 |
| transcript.whisperx[20].end |
475.644 |
| transcript.whisperx[20].text |
所以主委我說我只有一個要求嘛所有的安置計畫三方都要參與而且不能事後說因為我沒參與那是你們前手答應你的你去找他這件事情不應該在我們的金融合併裡面其實包括所有的企業併購都不應該發生這種事啦這個我們在做這個的時候我們會但是因為你是高度監管所以你其實在金金併的時候其實你有這樣的權利要求他們至少三方參與應該不是難事 |
| transcript.whisperx[21].start |
478.286 |
| transcript.whisperx[21].end |
505.578 |
| transcript.whisperx[21].text |
將來勞動部在處理的時候他也有個依據我們從過去這些時務我們都是希望金管會成為你的一個SOP在所有精精病裡面變成一個至少應該遵守的規範接下去還有一個小問題就是我們現在面對美國剛剛我聽到主委說我們的淨空令要持續下去那什麼時候解除不知道 限空令 |
| transcript.whisperx[22].start |
506.867 |
| transcript.whisperx[22].end |
521.839 |
| transcript.whisperx[22].text |
要等90天嗎我想允許委員讓我們在整個管理市場上我們可以所以我們希望是因為限控令是穩定的訊號限控令還在的時候就是不穩定的訊號這是對國人 |
| transcript.whisperx[23].start |
523.32 |
| transcript.whisperx[23].end |
549.609 |
| transcript.whisperx[23].text |
心理上的影響比較大那比較重要的就是在美國要跟我們談關稅帽壁壘的情況下其實在美國UST對於金融管制上面也有認為台灣有一些所謂的關稅壁壘障礙所以這些障礙裡面有一部分是說金管會沒有善盡良好的法制作業沒有給他們預告期間表示意見這我們做說明了其實這樣是一個誤會啦有好 |
| transcript.whisperx[24].start |
550.649 |
| transcript.whisperx[24].end |
568.704 |
| transcript.whisperx[24].text |
接下去很多的這些相關的可能都必須要現在開始一個一個釐清你做了說明我們也希望說不要成為美國拿來對我們做金融監管的這些相關的談判籌碼不會 那些的誤會我們都跟我們的談判代表這邊做充分的說明 |
| transcript.whisperx[25].start |
570.406 |
| transcript.whisperx[25].end |
591.348 |
| transcript.whisperx[25].text |
不會有這個問題接下去我覺得他們講這個有道理啦我們法規在做公告的時候其實並沒有提供雙語的服務所以他們在60天公告草案公告的期間並不知道台灣的法案的具體比較清楚的內容在我的印象裡面我們在內部開會只要有涉外的部分都會提供雙語的服務 |
| transcript.whisperx[26].start |
592.569 |
| transcript.whisperx[26].end |
620.429 |
| transcript.whisperx[26].text |
是 所以我覺得不是只有社外啊他要來台灣投資他不會只有社外啊他還是要看到你內部的規範所以我覺得政府現在什麼時代了這個翻譯並不困難對 我們會朝這個方向來就是說如果我們要成為一個國際化的國家我們應該在我們草案預告的時候尤其是金融法規這些都是國際企業會來主導的來參與的那這個部分的雙語就不用再等了 |
| transcript.whisperx[27].start |
621.454 |
| transcript.whisperx[27].end |
650.629 |
| transcript.whisperx[27].text |
該有的就要有啊而且在公告期間就要讓大家都知道甚至我覺得進步的政府直接發我們的草案去給所謂的美國商會讓他通報他所有的會員這個可能積極度會比單純的公告有涉外的裁翻譯要來得更好這是我們努力的方向不過剛剛委員提到像比如說美喬歐喬商會我們都有每年登記兩次的固定的說明我理解但是我聽說如果他們還有這樣的反應就表示還有缺漏嘛對 我們會來努力啦好 謝謝主委謝謝 謝謝委員 |
| transcript.whisperx[28].start |
651.547 |
| transcript.whisperx[28].end |
651.727 |
| transcript.whisperx[28].text |
黃國昌委員質詢 |