| IVOD_ID |
160810 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/160810 |
| 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 |
2025-04-30T12:12:23+08:00 |
| 結束時間 |
2025-04-30T12:23:22+08:00 |
| 影片長度 |
00:10:59 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/b6da7da99b9423692770833b0650cca7693dd611367b4ddd98ab4b80bc74e67df356dd5f590e44185ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
王世堅 |
| 委員發言時間 |
12:12:23 - 12:23:22 |
| 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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謝謝主席我請那個彭主委請彭主委喂好彭主委108年那麼最高法院發了這個裁定就是說可以對於債務人那麼執行 |
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32.222 |
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並且要求這個授權契約終止 償付這個解約金那這個裁定之後我光是講2023年一年齁2023年1月到隔一年的9月 |
| transcript.whisperx[2].start |
50.782 |
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66.518 |
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我們全國法院扣押保單的件數超過92萬8千件92萬8千件耶這造成法院極大的負荷而且也讓人心惶惶那壽險工會 |
| transcript.whisperx[3].start |
69.878 |
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以這個判決那麼他也接受法院來查詢保單過去法院查詢的保單大概一年比方說2022年才三千五百件到2024年光那一年啊就查詢了五十七萬三千件可以說這是不堪負荷啦那我必須先講一下當然欠債還錢這是天經地義 |
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100.299 |
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128.419 |
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不過大家如果回想一下第一點我們國家的勞保一直到了民國77年喔民國77年之後才同意給中小企業微型企業的負責人來加保也就是說在民國77年之前啊如果你個人經營生意事業的 |
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130.324 |
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138.36 |
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那不管多大多微小那你不能加保所以當時啊政府 |
| transcript.whisperx[6].start |
139.266 |
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160.417 |
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跟保險公司都鼓勵大家說來買個保險保障你不管你以後成功失敗好歹你有一個基本的生存保險所以當時的承諾保險公司當時信誓旦旦說這些保險資料絕對 |
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162.847 |
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179.953 |
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不會被徵詢到這個個資絕對不會外洩這是事實你可以回去查一查那結果在這樣子的誤導之下保險公司業績大好今天如果 |
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181.909 |
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207.145 |
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去要保的人被保險人如果是惡性倒閉我跟你倆借了一千萬我這一千萬全部買保險借著你保險的這個機密不得外洩我把錢藏起來惡性倒閉那這就不對可是不是啊你看這麼龐大的數字裡面現在民怨這麼高裡面就是很多民眾 |
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210.888 |
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234.799 |
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當時你銀行、金控公司包括租賃公司、融資公司你願意借給我你頂多你就是透過金融的徵詢、查詢那那些查詢不到這些保險啊你針對我的抵押品、我的信用我企業經營的良善與否我個人的character |
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236.383 |
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258.216 |
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品格那來做出這個授信的同意與否不是嗎跟這個保險無關嘛怎麼突然間過去你這樣徵詢我你同意借我啦現在我失敗了你從過去你沒徵詢到的你也沒評估在內的你叫他說這個也要拿出來賠 |
| transcript.whisperx[11].start |
259.659 |
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284.916 |
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所以我覺得我覺得這要做適度的修正也就是說要橫憑債權債務他們之間資歷的差距所以我是打算這樣我提出的保險法123之1條的修正有三大我這裡面列的有三個大原則第一個原則就是說如果這個保險契約 |
| transcript.whisperx[12].start |
288.382 |
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305.006 |
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這個金額債權金額沒有超過107條第二項的額度不得作為扣押強制執行的標定107條第二項就是這個針對金額我簡單講68萬5嘛那就是針對針對死亡失能也就是傷臟補助這個金額 |
| transcript.whisperx[13].start |
318.148 |
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345.463 |
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那不是現在我們在討論的說台北七萬多金門五萬多鄉下地區三萬多一個基本生活不是那你要他怎樣七萬多花完叫他去跳樓嗎如果他已經退休七十歲了可以這樣嗎七萬多塊三個月半年了不起一年基本生活就花完了不是嗎 |
| transcript.whisperx[14].start |
346.829 |
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361.572 |
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所以他製造另外一個社會問題 因為銀行 軍公公司 尤其是租賃公司這些是強勢 租賃公司還是虛高利貸血汗 他們也參與繳藉著最高法院的這個判決 他們也來參與繳 |
| transcript.whisperx[15].start |
369.048 |
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388.944 |
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所以我認為要加入橫貧法則要提高要提高豁免額度六十八萬五我覺得這不為過這不為過 買服務棺材都要三十萬了不是嗎所以 那第二個原則我認為 |
| transcript.whisperx[16].start |
391.416 |
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408.266 |
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這個藥保的債務人小兒中老保險小兒中老保險最高最高金額 理賠金額90萬而已啊90萬而已嘛不管你買幾張就是90萬那怕他什麼 |
| transcript.whisperx[17].start |
410.029 |
| transcript.whisperx[17].end |
433.62 |
| transcript.whisperx[17].text |
不是嗎再來我加入一條就是說如果執行法院斟酌債務人債權人生活狀況跟其他形式有慎為有失公平的得扣押也就是說債權人其實有區分的債權人又強勢債權人就是我剛剛講的租賃公司銀行金扣 |
| transcript.whisperx[18].start |
435.393 |
| transcript.whisperx[18].end |
452.443 |
| transcript.whisperx[18].text |
這些是強勢債權人那也有弱勢債權人弱勢債權人比方說被害人被車子撞到被你撞人撞傷撞人殘廢撞死比方說圍觀大樓倒塌那些都是弱勢的債權人那被受到傷害的弱勢債權人當然 |
| transcript.whisperx[19].start |
460.458 |
| transcript.whisperx[19].end |
484.236 |
| transcript.whisperx[19].text |
他們就可以來執行就可以根據我所謂的123條之一這個衡平條款就是說如果以法院來斟酌認為有必須的也就是弱勢在權人我們要保障他我們要保障他那這樣就公平啦那那個主委你知道嗎我剛剛在講強勢弱勢齁到現在為止喔到現在為止 |
| transcript.whisperx[20].start |
489.822 |
| transcript.whisperx[20].end |
517.425 |
| transcript.whisperx[20].text |
現在來執行這些保單的銀行 租賃公司 資產管理公司佔了整個按量的百分之九十欸九成啊被這些強勢的其實是他們來搞的真的弱勢的 我剛剛跟你講車禍啦建商蓋得不好倒掉這種弱勢的債券只佔百分之十不到 |
| transcript.whisperx[21].start |
518.922 |
| transcript.whisperx[21].end |
537.247 |
| transcript.whisperx[21].text |
那這個條款當初最高法院人家他的裁定他並不是要造成社會有這樣的紛擾我們國家所有的法律所有的法院都應該為人民服務不是嗎 |
| transcript.whisperx[22].start |
538.737 |
| transcript.whisperx[22].end |
563.029 |
| transcript.whisperx[22].text |
怎麼可以任由那些 清空公司他賺錢我們社會沒有人忌妒他但是 所有清空公司都賺不是幾十億耶現在每年都賺上百億之多他還來鉅於這一點來鉅於早年 現在很多退休的他當初買一個保險 為了他中老 |
| transcript.whisperx[23].start |
564.947 |
| transcript.whisperx[23].end |
576.413 |
| transcript.whisperx[23].text |
現在我們在討論這個說 啊 五萬 三萬最高台北市七萬 豁免他七萬 請問七萬元那一個退休老人他可以 中養幾個月那七萬都用完了 你叫他跳樓嗎所以我認為 這張保單 |
| transcript.whisperx[24].start |
589.13 |
| transcript.whisperx[24].end |
612.436 |
| transcript.whisperx[24].text |
可能是這個終其一生為國家社會盡他的力量效命的微型企業主小型企業主個體戶他一輩子他奮鬥的目標就剩了一點只為了生存而已所以我認為啊是不是123之1 |
| transcript.whisperx[25].start |
613.919 |
| transcript.whisperx[25].end |
621.784 |
| transcript.whisperx[25].text |
我希望能夠朝我講的就是我們納入橫頻條款那我們對小兒中老保險不多不管你幾張總金額才90萬元我們有必要這樣子苛刻為國家社會效命我們的老人家們有必要對他們這樣子 |
| transcript.whisperx[26].start |
638.587 |
| transcript.whisperx[26].end |
647.27 |
| transcript.whisperx[26].text |
千刀萬里追嗎好不好好好謝謝謝謝謝謝委員好謝謝世堅委員接著請林思明委員質詢謝謝召委請彭主委好 |