| IVOD_ID |
160805 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/160805 |
| 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 |
2025-04-30T12:01:23+08:00 |
| 結束時間 |
2025-04-30T12:12:18+08:00 |
| 影片長度 |
00:10:55 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/b6da7da99b942369a09dbc28aee5a416693dd611367b4ddd98ab4b80bc74e67dcd6849d3fc6a78aa5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
陳玉珍 |
| 委員發言時間 |
12:01:23 - 12:12:18 |
| 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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謝謝主席 我們請這個彭主委好 請彭主委主席在這邊宣布我們現在開放在現場用餐 |
| transcript.whisperx[1].start |
18.144 |
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主委 本期在前兩次會期都有跟您詢問過就是研議民間版的創櫃機制那您也有回覆說 金管會金管會也有回覆說 104年起已經開放證券商得經營股權性質群眾募資業成效有三家新創公司那時候的回覆是募資的金額現在有新台幣1700萬元這是上次回的 |
| transcript.whisperx[2].start |
43.766 |
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57.366 |
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那專間又一個會期啦 半年又過去請問現在的募資成效有 績效有沒有增加這個我 請說我們了解一下再跟委員報告你現在告訴我 證據局成效咧 1700萬 |
| transcript.whisperx[3].start |
60.205 |
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75.036 |
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又過了半年有沒有再增加?目前是沒有增加的沒有增加為什麼?你們不認真做這個嗎?沒有,廢買壯心其實他們有在做這個業務那他們有去鼓勵或者法華可以做什麼所以你們不重視這種這個創櫃這個民間版的創櫃機制的這種募資的這個業務喔?還是你們的做法是錯誤的? |
| transcript.whisperx[4].start |
83.018 |
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109.329 |
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我們當然是重視這個機制重視怎麼會沒有成效呢我們現在所謂的創櫃板我們有做一個整合你看喔為了扶植中小微型企業你們政局有最新的函令解釋就是說通過限定綜合證券商可以投資創櫃板登錄期間發行的新股投資總計不得超過券商競爭5%也不受標準公司單次發行的限制所以這個是比較新的新聞了 |
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110.049 |
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那可見我覺得金管會在這個彭主委過來後包括很多的金融的這個措施我都感覺上有要創新有要前進有要這個但是這個雖然你們修了這些修了那些你們好像整個成效都很差我們從這個以這個募資來講來我們講了兩個會期啦上個會期1700到現在還是沒有啊那你也知道我很關心這個議題啊 |
| transcript.whisperx[6].start |
134.565 |
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156.225 |
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不過成效差我們會來虛心檢討啦所以我們一直跟你們提出說你們是不是這個股權群募平台是不是要有新的做法嘛我一直在講說比如說中小企業主管的這個中小企業開發公司跟新創企業這些來做募資平台你們是不是你們有創新處嘛 對不對那找這個中小企業開發公司櫃買找來是不是一起來想看怎麼來做啊 |
| transcript.whisperx[7].start |
157.046 |
| transcript.whisperx[7].end |
175.974 |
| transcript.whisperx[7].text |
這個我們一定會來努力啦只是說現在的時候有一些法規法律上面的限制我們要來突破我知道經管會一直想突破很多法規我覺得您上來以後很多相關的法律都一直有在突破嘛但是我覺得你下面的單位好像對這些事情都有點不大認真啦 |
| transcript.whisperx[8].start |
176.594 |
| transcript.whisperx[8].end |
196.29 |
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這也不能這麼說啦因為主要是說我們看結果嘛1700萬這樣算金額嗎從上個會議到現在那我現在跟你請求啦就是說這個我一直在講說這個中小企業這個因為還經濟部在管嘛那也有相關的公司有這些有新創企業嘛他們也有新創署嘛我們這邊也有這個創新處嘛這相關單位是不是一起來開個會啊 |
| transcript.whisperx[9].start |
201.674 |
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217.792 |
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是不是來集思廣益到底是怎麼來做啊我們已經建議很多回啦因為你們都被動不前進啊也不是啦如果說啊這個問題能夠解決好解決早解決啦那就是沒有努力在那個吧這問題一定是有它的複雜度所以我覺得我們可以再來 |
| transcript.whisperx[10].start |
218.513 |
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237.693 |
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早時間大家來開會吧我們這一點我們是已經問了一年多啦我想說那個彭主委上來以後很多觀念都比較新嘛包括等一下我們要講比如說高齡的這個保單的這個部分也開放了啦當然我們的想法是說真的是正確的事情又能夠做我們當然就盡量來完成這個我們還會繼續聽啦那接著我們講另外幾點啦政局局聽到沒 |
| transcript.whisperx[11].start |
241.998 |
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261.018 |
| transcript.whisperx[11].text |
這個績效真的很差一年以來半年來都沒有任何的成長表示你們根本不用1700萬根本就等於是沒有一樣等於是沒有任何的進步還應該說不進則退還算是退步來討論一下今天這個保險法你們是有研究說是要放寬放行這個保單職介對吧 |
| transcript.whisperx[12].start |
262.84 |
| transcript.whisperx[12].end |
278.543 |
| transcript.whisperx[12].text |
銀行的部分就是對對就是說放行給銀行做這個可以做直接的業務吧現在保險公司本來就依法就可以做我知道我知道我說但是現在是放行就是病人多銀行可以可以向銀行直接啦他可以做一個受信的標的只要銀行可以接受的情況 |
| transcript.whisperx[13].start |
278.763 |
| transcript.whisperx[13].end |
299.341 |
| transcript.whisperx[13].text |
那這個跟現行的這個保險法是不是有相關的這個抵觸這個沒有就是說今天就好像比如說今天銀行在做融資的時候他會有他自己的考量比如說我們最極端可以做信用融資不用任何的保險我不是不支持我是支持我的意思是說那這個東西是不是要再修法不用保險法120條這個規定不需要對 |
| transcript.whisperx[14].start |
303.272 |
| transcript.whisperx[14].end |
329.763 |
| transcript.whisperx[14].text |
原來的規定是向保險人借款原來就向受險借款那你現在說不只銀行也可以比如說可能是A公司藍山的保單可以去向比如說富邦銀行舉例五大國泰、富邦、星光、藍山、凱基五大受險就是有做財管的我知道你現在一直力推財富管理的部分我看得出金管會的彭主委的想法這個我們也是很支持只是說你這個東西不用修法是吧 |
| transcript.whisperx[15].start |
330.203 |
| transcript.whisperx[15].end |
344.789 |
| transcript.whisperx[15].text |
不用 這個是跟委員打個比方比如說今天銀行要借你錢他如果你個人信用很好的話其實什麼抵押品都不需要假設你今天比如說你今天想去什麼抵押品都不需要很少 |
| transcript.whisperx[16].start |
345.489 |
| transcript.whisperx[16].end |
369.417 |
| transcript.whisperx[16].text |
就是信用放款比如說你今天來講的話我想去這個拿一個比如說我的有價證券來做擔保只要銀行接受我覺得我就可以所以你認為這個不用修法就銀行的因為現在的現在來講保單要直接的話必須當然是像原來的這個保險公司保險人這一方面沒關係你們要這樣解釋我也不要就是說你在法律的部分要注意這個 |
| transcript.whisperx[17].start |
370.537 |
| transcript.whisperx[17].end |
392.607 |
| transcript.whisperx[17].text |
跟現行的法規有沒有符合如果要的話也必須要依法來辦那另外一個是說你們現在的開放方向是高資產階層嘛目的是為什麼只有開放高資產因為一般百姓呢就叫事辦的意思事辦就是說我們希望現在我們先了解一下這個業務所產生的一些的效益跟風險會是什麼因為我們不想 |
| transcript.whisperx[18].start |
393.487 |
| transcript.whisperx[18].end |
420.202 |
| transcript.whisperx[18].text |
因為高資產的客戶他風險承受率比較高承擔人力比較高啦對一定是先從這個開始如果我們事辦的結果良好沒有其他的問題的話我們再會擴展到其他就是普遍的大眾就對了這個是我們也是在做一種如果他是符合法令的就沒有所謂事辦啊就任何人都可以做啊你了解我意思嗎如果法令沒有不許的話那我不管是你是高資產還是我是一般資產的就誰都可以做啊 |
| transcript.whisperx[19].start |
421.082 |
| transcript.whisperx[19].end |
446.677 |
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這我已經講的沒錯但是法令這兩個字有兩個層次一個叫做法律一個叫做令是這樣嗎法令一個另外一個就是很多我們的行政規則很多的其他的監管的層次這個東西呢我們在事辦的時候所以現在也是不允許的嘛是因為你們可能打算用一個函令來解釋這個東西對因為這個部分我就以法規而言你這個順序也要有行政規則上面或是治理規範很多是可能暫時沒辦法做的但是我們用一個有限範圍的開放 |
| transcript.whisperx[20].start |
447.958 |
| transcript.whisperx[20].end |
452.118 |
| transcript.whisperx[20].text |
然後再一個能夠承擔高風險如果是有先放開放表示現在是不允許的嗎 |
| transcript.whisperx[21].start |
453.125 |
| transcript.whisperx[21].end |
479.689 |
| transcript.whisperx[21].text |
對 現在就是 它只是不是法律層次的問題只是說你覺得不要用修法的方式只能用行政函式啊 或一個事辦規則啊 什麼這一類的位階比較低的方式來做一些好好的因為我是支持彭主委一向往開放的方向走啦不管是我們說這個中小企啊 募資啊 或者是新創啊這些我們都非常支持啊這個我也 我也是支持只是說你這個開辦的期間大概你預計事辦多久我們現在的所有的事辦大概我們都以六到一年為原則啦六到一 |
| transcript.whisperx[22].start |
480.089 |
| transcript.whisperx[22].end |
505.186 |
| transcript.whisperx[22].text |
六個月到一年六個月是個觀察期我們就看他情況如果說事辦成效良好就是說比如說那可能就會開放到一般的客戶就逐步開放到按照風險承受跟他那這個下去可能會有產生一些問題就是說那到時候發生如果沒有辦法融資他直接沒有辦法償還的時候那那個債權優先順序是銀行比如說我拿我的保單去跟銀行借那這個到時候債權的順序問題還有我的保單的效率會變成是什麼樣 |
| transcript.whisperx[23].start |
510.45 |
| transcript.whisperx[23].end |
527.391 |
| transcript.whisperx[23].text |
就是說到時候會有相關的這個議題可能你們就必須要重視你知道我的意思嗎我的保單拿去直接的吧那我現在我後來又還不起那還不起的話那這個保單的這個就會被押走就會被這個我的就是融資方拿走 |
| transcript.whisperx[24].start |
528.612 |
| transcript.whisperx[24].end |
547.643 |
| transcript.whisperx[24].text |
那這樣子的話你現在開放就只有銀行嘛對不對對做一個這個好那接著還有保險的效率問題喔這個可能有很多高資產的客戶我知道我知道那高資產的客戶定義是用銀行來定義的是嗎就是說哪一些銀行銀行這五家嘛財管這五家他們定義的高資產客戶嗎所以是由他們來決定哪些人是嗎 |
| transcript.whisperx[25].start |
548.823 |
| transcript.whisperx[25].end |
570.27 |
| transcript.whisperx[25].text |
或者說你有一個標準我們高資產客戶有一個標準三千萬以上高資產客戶的標準是什麼呢一億以上一億是指保單一億以上嗎不含不動產就是說你是指保單嗎一張保單一億以上嗎不是就是這個人的資產他的資產當然有些銀行會更高有他的資產除了不動產以外你明確定義了嗎就這個個人個人資產在 |
| transcript.whisperx[26].start |
574.331 |
| transcript.whisperx[26].end |
596.131 |
| transcript.whisperx[26].text |
1億元以上 不管它是現金存款 金融資產 股票 不含不動產不含不動產 不動產也有 借也有也有借的啊 也有跟銀行融資出來 不含不動產銀行不動產的借跟不管是融資什麼這些都不算那要不要扣掉不動產借貸的金額啊 還是是淨資產啊 |
| transcript.whisperx[27].start |
598.913 |
| transcript.whisperx[27].end |
613.063 |
| transcript.whisperx[27].text |
這個銀行都知道我們在財富管理2.0的規範都清楚沒有 我只是想知道說這個規定是由銀行來決定還是說就是我們金融會有同一個標準那接下來銀行自己會決定OK 怎麼樣 銀行決定我們有第一個最低的標準往上你可以自己決定比如說你要服務什麼樣的客戶 |
| transcript.whisperx[28].start |
613.863 |
| transcript.whisperx[28].end |
636.228 |
| transcript.whisperx[28].text |
有一個最低標準但這標準是由你們決定因為每家銀行可能對高資產客戶的定義不一樣我是鼓勵當然對金融我看黃志偉上任以來對很多包括像我剛剛高齡的這個也是有開放跟以前黃志偉時代也是有不一樣那我們對於我對於我們的這個我們國內這些金融的產品或各方面我覺得的確是有些東西是比較 |
| transcript.whisperx[29].start |
637.335 |
| transcript.whisperx[29].end |
653.294 |
| transcript.whisperx[29].text |
不那麼開放不那麼進步我也是鼓勵很多東西是創新進步我們都支持那下去如果說但是如果有依法要注意的部分也是要注意尤其後面有權利判格的部分的時候包括融資銀行跟這個保單效益這個可能也要特別注意 |