| IVOD_ID |
161709 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/161709 |
| 日期 |
2025-05-21 |
| 會議資料.會議代碼 |
委員會-11-3-20-13 |
| 會議資料.會議代碼:str |
第11屆第3會期財政委員會第13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 |
13 |
| 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13次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-05-21T10:56:31+08:00 |
| 結束時間 |
2025-05-21T11:08:53+08:00 |
| 影片長度 |
00:12:22 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/e381da0d479eb7db46b469a7c1ce7243da433bb611ec39b9db0f420b3783afbdeabdaf21c288ba395ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
鍾佳濱 |
| 委員發言時間 |
10:56:31 - 11:08:53 |
| 會議時間 |
2025-05-21T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第3會期財政委員會第13次全體委員會議（事由：一、邀請財政部、金融監督管理委員會、中央銀行就「房屋稅2.0課徵亂象與金融機構對不動產融資緊縮及中央銀行信用管制措施對房地產交易之影響」進行專題報告，並備質詢。
二、處理中華民國114年度中央政府總預算決議有關金融監督管理委員會主管預算凍結書面報告案39案。【報告事項】
三、處理中華民國114年度中央政府總預算決議有關金融監督管理委員會主管預算凍結專案報告案9案。【討論事項】） |
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先進列席的政府將上官員會長工作夥伴媒體記者女士先生有請我們央行的嚴副總裁財政部莊部長以及金管會彭主委那麼彭主委那一段的部分可能要請銀行局跟保險局的兩位局長陪同銀行局保險局的局長在旁邊stand by謝謝首先先請教我們先就叫主權基金來請教副總裁我們看到了昨天總統發表了 |
| transcript.whisperx[1].start |
31.802 |
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談話說成立主權基金正是時候那提到三個兼顧他要把國發基金轉為國內的產業再造提升產業的競爭力但是呢 強調我們的主權基金是要做國際的經濟戰略布局某個程度來講 簡單來講就是在國際上賺錢請問總裁認為總統這樣的一個是跟之前央行的主張是不是一致 |
| transcript.whisperx[2].start |
55.66 |
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我想這是我們看到的主權基金這樣的規劃的確是一個大翻箱我們也提到學者專家對這些有些建議這些建議也跟之前央行總裁的談法差不多譬如說不建議動用外匯存底或者政府來提撥預算這當然說如果動用外匯要用有償的方式再來也不支持央行作為主權基金的管理機構這兩點您都認同對 |
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81.488 |
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好那接下來問財政部長了來莊部長在前面上一頁學者建議說既然不要用外匯也不要提撥預算他用稅收的超徵你同意嗎認同嗎 |
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92.502 |
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主權基金成立的規模要有多大那稅收這個部分是不是足以指引這個是要考慮的就是說你也不反對它的規模如果需要動用到超增的稅收雖然我不太想用超增的字眼但是你也覺得財政部可以來支持是嗎這個部分當然要涉專法第二個依照現行的預算法裡面對於稅收如果執行的比預算好的話第一個要 |
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第一個先還債那如果會動用到假設是用稅收超徵的部分那你認為會是財政部來作為主管機關嗎 |
| transcript.whisperx[6].start |
124.254 |
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我覺得這是兩件事情好來金管會主委謝謝兩件事情很清楚了那最後我們看後面下一頁所以如果說央行不適合那麼財政部也不適合那麼金管會您來建議一下作為局外人因為總統說要問幾個單位要問國發會要問央行還有其他的財經部門剛好您是財經部門當中一份子你覺得呢 |
| transcript.whisperx[7].start |
147.742 |
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171.652 |
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我想委員給我一個問題其實剛才那個莊部長跟我們的副總裁都有做答覆他未來會按照我們這個院裡面的大家來協調來決定好等到總統問你的時候你再講謝謝副總裁請回接下來我要請教莊部長部長剛好前面幾位也問到了那個房屋稅已經召委排的目的那時候我問到了 |
| transcript.whisperx[8].start |
173.153 |
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184.742 |
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這個共有房屋人為全部自住的房屋那您也馬上從善如流今天您的報告講了四個對不對那為了這樣的關係你們延長房屋稅的申報到今年的6月2號是嗎 |
| transcript.whisperx[9].start |
186.977 |
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203.624 |
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所以你這段時間積極的收集各種的意見反應不是整個房屋稅延長到6月份有問題的一到6月份有一些他們會重新開單的或有一些他要申報自住的已經自租的部分是延長時間那您的報告當中提到的四個像樣態啦那這四種樣態如果他已經繳了稅了怎麼處理 |
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207.655 |
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232.854 |
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如果已經繳了稅 如果要重新做調整更正的話 那當然要退稅啦退稅 那當然什麼時候會辦理 明擺的告訴民眾 很多民眾在問啊聽說這樣子可以優惠耶 可以回復自用優惠 那我怎麼辦 我已經繳了耶明擺的跟大家宣示可以嗎這個退稅當然是會由地方稅捐機關來做退稅所以你們會去協助地方機關公布這個退稅的簽完程序這個部分我們會請地方機關盡快的讓民眾知道 |
| transcript.whisperx[11].start |
233.114 |
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256.193 |
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好 很好 那請來督促地方政府那如果6月2號都已經繳完了後來又發現了你們發現各地方政府你們去收集意見我上次要求你們收集嘛那有哪些樣態你們發現還是可以適用的那這些6月2號的民眾也是比照這樣的方式來辦理退稅囉我覺得應該是這樣好 那就麻煩你督導地方政府好 謝謝接下來我們來請教今晚的彭主委來 |
| transcript.whisperx[12].start |
259.241 |
| transcript.whisperx[12].end |
281.178 |
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好 部長 剛剛已經有委員在關心的這個題目就是所謂的ETF的IPO 哇 看到很多投訴什麼營業員 禮專 還有什麼責任制 回單的制度那現在對等關稅之後 這個基金不太好賣結果大家還要自己想辦法找親友買這樣的亂象 您覺得要怎麼樣去因應 |
| transcript.whisperx[13].start |
282.099 |
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302.259 |
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我想我剛剛也回答前位委員的意見我想第一個那個金融機構本身它自己有它自己業績的管考的這樣那個制度但如果說它有不合理的情況或是不合時宜的做法那這個部分我們會先來了解很好,所以不合理或不合時宜我們來看一下嘛 |
| transcript.whisperx[14].start |
303.274 |
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319.91 |
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投信 現在金控底下都有投信 對不對那他們成立基金IPO他們底下有券商 券商有業務員 業務員去行銷但是呢 業務員人手比較少所以營業員也來幫忙好 不只如此喔現在在場的八家公股 航空 很多有金控的 |
| transcript.whisperx[15].start |
320.45 |
| transcript.whisperx[15].end |
330.637 |
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他們這個時候因為投信的銷售需要找保管銀行所以銀行為了搶保管業務會努力的幫投信多賣有時候統一金庫底下的投信商品會請李專來代勞那如果請李專來跟客戶介紹這 |
| transcript.whisperx[16].start |
334.318 |
| transcript.whisperx[16].end |
356.63 |
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也是無可厚非但是櫃檯人員的業務是什麼櫃檯人員是儲匯業務確認身份聯防機制零匯化事情很多啊您覺得櫃檯人員適合去分擔責任額嗎本來在銀行的櫃檯端就有明確的區分比如說你具有那個銷售金融商品資格的本來就不會由這個來做對就是禮專嘛所以是不是 |
| transcript.whisperx[17].start |
357.31 |
| transcript.whisperx[17].end |
382.111 |
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你也認為櫃台人員的其他任務他不適合分配被要求去做責任額的分攤那當然各家公司應該都有明確的規定好那就麻煩你請你只要求銀行局要求不只是我們今天在場的八個公股行庫有這樣的情況的請銀行局要求避免讓我們既有的金融人員的分工因為業績的挂帥而造成了不應該的負擔好不好 |
| transcript.whisperx[18].start |
383.092 |
| transcript.whisperx[18].end |
405.314 |
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金融商品的銷售本來有一套的行為規範我想銀行或各個金融機構都非常的清楚這段時間請你們強化去做宣導跟要求接下來我們看一下最近發生一些車禍事故我們都知道本來的強車險它就有第三人責任險你覺得強車險到目前為止它的理賠金額它的保險方式足不足夠 |
| transcript.whisperx[19].start |
406.465 |
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435.023 |
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我想這套制度其實是很久也發揮了它非常好的穩定社會的功能因為我們的強車險主要是保障被害人它不是保障加害人而設的所以它這個所有是有一套法律在明確規定它所有的給付跟條件的制度那我們從昨天的事故我們很不忍但我們來看一下萬一的這個是萬一發生了假設今天家長開車去接小孩他就停在路邊 |
| transcript.whisperx[20].start |
436.244 |
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463.774 |
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結果呢別人肇事啊撞到他結果小孩受傷了你知道強車險賠不賠如果是因為他是受害人車子所肇事我的理解應該是有肇事人的車險賠但是我自己是車主我是駕駛我有頭保但是目前如果無肇事責任我們強車險對於車主親生的乘客是沒有賠的這本來就是我剛才講他是保障是以受害人為主不是以加害人 |
| transcript.whisperx[21].start |
464.474 |
| transcript.whisperx[21].end |
479.933 |
| transcript.whisperx[21].text |
那麼受害人是我的乘客但是我不是肇事責任有肇事責任當然要賠但是這個人在我的車上我是車主結果他受傷了因為我沒有肇事責任我是停在路邊嘛被撞了嘛那這種情況要有沒有評估去考慮說這種情況要以檢討 |
| transcript.whisperx[22].start |
482.256 |
| transcript.whisperx[22].end |
506.112 |
| transcript.whisperx[22].text |
因為很多的保護他不了解他說我有保強車險結果我停在路邊被人家撞了我沒事但是我的乘客受傷了結果人家保險公司說對不起你這個乘客不保你知道這個情況吧這個情況其實我當然了解這只是真的有時候比較複雜剛才委員剛剛有提到說沒有投保的人我們其實強車險有個特別補償基金來填補這個倒還好不會有這個問題我想這個再請 |
| transcript.whisperx[23].start |
515.098 |
| transcript.whisperx[23].end |
528.486 |
| transcript.whisperx[23].text |
目前強車險是保受害人對不對它是一個損害天母的概念但是呢我們對兩輛車子的事故無肇事責任的車主他投保的車險保險公司是不對 |
| transcript.whisperx[24].start |
529.987 |
| transcript.whisperx[24].end |
550.068 |
| transcript.whisperx[24].text |
車上的乘客賠的但是如果駕駛我受傷了是賠我但是我的乘客是不賠的這個部分是不是回去一下再思考一下可不可以增加無過失補償責任為基礎的新型車的保險商品這部分的話我們當然隨時要檢討該委員的意見我們會帶回去請保局在我們在強車險或其他任意險的部分來加強對 |
| transcript.whisperx[25].start |
553.231 |
| transcript.whisperx[25].end |
579.426 |
| transcript.whisperx[25].text |
對這個被保險人跟相關受害人的保障是的 主委您說得很清楚這不見得是在強制險其他的任意險的商品也可以也就是說我們在銷售長車險的時候要明確的告知車主如果是他沒有他的肇事責任但是他受損了他是有賠的但是乘客目前是不涵蓋的他如果有需要或者我們有開發其他的商品或者未來納入但是目前要讓被保險人知道 |
| transcript.whisperx[26].start |
580.386 |
| transcript.whisperx[26].end |
596.999 |
| transcript.whisperx[26].text |
那如果他有覺得有需要幫他的乘客保無造勢責任的其他的險種那麼就要請保險公司來進行說明好不好是我想我們加強說明這個商品承保的範圍讓所有人知道比如說很多人都以為比如說我買的車子也包含乘客其實並沒有 |
| transcript.whisperx[27].start |
598.14 |
| transcript.whisperx[27].end |
622.282 |
| transcript.whisperx[27].text |
所以這個事件呢 很多的不幸事故都提醒我們可以去檢討跟精進那最後這一題呢 其實剛剛有委員問到了我們也是受到了很多的反應譬如說 今晚會對銀行局裁判的標準那有人提到說是糾正糾正糾正好 那請問一下我們看到目前為止從2025年開始到這些那麼 |
| transcript.whisperx[28].start |
623.163 |
| transcript.whisperx[28].end |
640.893 |
| transcript.whisperx[28].text |
目前我們金管會或銀行局對於銀行的違規事項你們有什麼原則分別處置譬如說是內禁內控自行呈報還是外部稽查查獲得有什麼差別是 跟委員報告也許從他事件一樣挪用客戶存款這件事情 |
| transcript.whisperx[29].start |
641.813 |
| transcript.whisperx[29].end |
665.967 |
| transcript.whisperx[29].text |
但是他整個的過程當比如裁罰但是我們很有可能比如說本來我們就過去一直強力要求金融機構建立三道防線三道防線就是他自己有偵查管控修正的能力如果是這個三道防線能夠合一的舉行而且他也做完這個接下來這個防範我們會看他的這個情況來給予就是可能只是個糾正但是如果說 |
| transcript.whisperx[30].start |
666.667 |
| transcript.whisperx[30].end |
683.14 |
| transcript.whisperx[30].text |
穿透這個東西而且它是根本就渾然不覺我剛才跟委員報告過這時候我們就是要重罰比如這個東西因為這個完全不一樣的東西所以我剛才講過不管是誰當主委規定這都是銀行局的標準一向都是如此好 謝謝因為主委贊同把內容 |
| transcript.whisperx[31].start |
683.74 |
| transcript.whisperx[31].end |
700.51 |
| transcript.whisperx[31].text |
自行發現調查跟主動呈報的與外部稽查或經檢查獲的兩者的裁罰流程跟進程是有差別的對不對最後的結論四點剛剛已經講過了不太易說明請提出請提出請央行提出你認為主權基金最適合的基金來源管理機構請提出你們的看法 |
| transcript.whisperx[32].start |
700.99 |
| transcript.whisperx[32].end |
725.132 |
| transcript.whisperx[32].text |
第二請財政部就房屋稅的這個相關異議剛才打火的部分也提供一個書面那第三呢請經管會就所謂的強車險的部分在於未來投保的告知或者未來可不可以增加相關的險種給予這個無肇事責任的車主及他的乘客有完整的保障以及最後你們對於精檢裁罰的這些相關的規定做一個書面報告可以嗎沒問題好謝謝謝謝主席 謝謝委員 |
| transcript.whisperx[33].start |
726.694 |
| transcript.whisperx[33].end |
732.032 |
| transcript.whisperx[33].text |
好 謝謝這個人的質詢我們按剛才宣布的就休息四分鐘好不好好 謝謝 |