| IVOD_ID |
161989 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/161989 |
| 日期 |
2025-05-28 |
| 會議資料.會議代碼 |
委員會-11-3-20-14 |
| 會議資料.會議代碼:str |
第11屆第3會期財政委員會第14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 |
14 |
| 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14次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-05-28T10:48:13+08:00 |
| 結束時間 |
2025-05-28T10:57:51+08:00 |
| 影片長度 |
00:09:38 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/75aba70f567c6f24208f8619e4c3425aafe3e41e2f2b0d30b291a8f6a096732c00665548fbcbefd25ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
顏寬恒 |
| 委員發言時間 |
10:48:13 - 10:57:51 |
| 會議時間 |
2025-05-28T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第3會期財政委員會第14次全體委員會議（事由：一、審查「國際金融業務條例」8案：
(一) 本院委員沈發惠等18人、委員鍾佳濱等17人分別擬具「國際金融業務條例第十三條、第二十二條之七及第二十二條之十六條文修正草案」等2案。
(二) 行政院函請審議、本院委員李坤城等20人、委員陳菁徽等16人、委員郭國文等19人、委員羅廷瑋等17人、委員陳玉珍等16人分別擬具「國際金融業務條例第二十二條之十六條文修正草案」等6案。【本院委員陳玉珍等16人提案如經院會復議，本次會議不予審查】
二、審查「證券投資人及期貨交易人保護法」9案：
(一) 行政院函請審議、本院委員鍾佳濱等20人、委員李坤城等19人、委員沈發惠等18人分別擬具「證券投資人及期貨交易人保護法部分條文修正草案」等4案。
(二) 本院委員林楚茵等17人、委員王鴻薇等19人、委員郭國文等18人、委員賴士葆等32人分別擬具「證券投資人及期貨交易人保護法第十條之一條文修正草案」等4案。【本院委員賴士葆等32人提案如經院會復議，本次會議不予審查】
(三) 本院委員林思銘等18人擬具「證券投資人及期貨交易人保護法第十條之一及第二十條條文修正草案」案。【本案須經各黨團簽署不復議同意書】
【5月28日及29日二天一次會】） |
| transcript.pyannote[0].speaker |
SPEAKER_01 |
| transcript.pyannote[0].start |
2.46096875 |
| transcript.pyannote[0].end |
3.03471875 |
| transcript.pyannote[1].speaker |
SPEAKER_01 |
| transcript.pyannote[1].start |
3.15284375 |
| transcript.pyannote[1].end |
3.64221875 |
| transcript.pyannote[2].speaker |
SPEAKER_01 |
| transcript.pyannote[2].start |
3.99659375 |
| transcript.pyannote[2].end |
4.50284375 |
| transcript.pyannote[3].speaker |
SPEAKER_01 |
| transcript.pyannote[3].start |
5.48159375 |
| transcript.pyannote[3].end |
16.02846875 |
| transcript.pyannote[4].speaker |
SPEAKER_00 |
| transcript.pyannote[4].start |
16.02846875 |
| transcript.pyannote[4].end |
18.54284375 |
| transcript.pyannote[5].speaker |
SPEAKER_01 |
| transcript.pyannote[5].start |
18.39096875 |
| transcript.pyannote[5].end |
18.72846875 |
| transcript.pyannote[6].speaker |
SPEAKER_00 |
| transcript.pyannote[6].start |
18.72846875 |
| transcript.pyannote[6].end |
29.68034375 |
| transcript.pyannote[7].speaker |
SPEAKER_00 |
| transcript.pyannote[7].start |
30.23721875 |
| transcript.pyannote[7].end |
51.51659375 |
| transcript.pyannote[8].speaker |
SPEAKER_00 |
| transcript.pyannote[8].start |
51.98909375 |
| transcript.pyannote[8].end |
53.18721875 |
| transcript.pyannote[9].speaker |
SPEAKER_00 |
| transcript.pyannote[9].start |
53.20409375 |
| transcript.pyannote[9].end |
67.29471875 |
| transcript.pyannote[10].speaker |
SPEAKER_00 |
| transcript.pyannote[10].start |
67.32846875 |
| transcript.pyannote[10].end |
68.29034375 |
| transcript.pyannote[11].speaker |
SPEAKER_01 |
| transcript.pyannote[11].start |
67.46346875 |
| transcript.pyannote[11].end |
67.76721875 |
| transcript.pyannote[12].speaker |
SPEAKER_00 |
| transcript.pyannote[12].start |
68.64471875 |
| transcript.pyannote[12].end |
68.96534375 |
| transcript.pyannote[13].speaker |
SPEAKER_01 |
| transcript.pyannote[13].start |
68.96534375 |
| transcript.pyannote[13].end |
69.28596875 |
| transcript.pyannote[14].speaker |
SPEAKER_00 |
| transcript.pyannote[14].start |
69.28596875 |
| transcript.pyannote[14].end |
69.30284375 |
| transcript.pyannote[15].speaker |
SPEAKER_00 |
| transcript.pyannote[15].start |
69.65721875 |
| transcript.pyannote[15].end |
69.67409375 |
| transcript.pyannote[16].speaker |
SPEAKER_01 |
| transcript.pyannote[16].start |
69.67409375 |
| transcript.pyannote[16].end |
75.04034375 |
| transcript.pyannote[17].speaker |
SPEAKER_01 |
| transcript.pyannote[17].start |
75.17534375 |
| transcript.pyannote[17].end |
78.92159375 |
| transcript.pyannote[18].speaker |
SPEAKER_01 |
| transcript.pyannote[18].start |
79.24221875 |
| transcript.pyannote[18].end |
81.11534375 |
| transcript.pyannote[19].speaker |
SPEAKER_01 |
| transcript.pyannote[19].start |
81.14909375 |
| transcript.pyannote[19].end |
82.97159375 |
| transcript.pyannote[20].speaker |
SPEAKER_01 |
| transcript.pyannote[20].start |
83.76471875 |
| transcript.pyannote[20].end |
87.98346875 |
| transcript.pyannote[21].speaker |
SPEAKER_01 |
| transcript.pyannote[21].start |
88.27034375 |
| transcript.pyannote[21].end |
91.72971875 |
| transcript.pyannote[22].speaker |
SPEAKER_01 |
| transcript.pyannote[22].start |
92.28659375 |
| transcript.pyannote[22].end |
101.48346875 |
| transcript.pyannote[23].speaker |
SPEAKER_00 |
| transcript.pyannote[23].start |
99.12096875 |
| transcript.pyannote[23].end |
100.58909375 |
| transcript.pyannote[24].speaker |
SPEAKER_00 |
| transcript.pyannote[24].start |
101.14596875 |
| transcript.pyannote[24].end |
101.77034375 |
| transcript.pyannote[25].speaker |
SPEAKER_01 |
| transcript.pyannote[25].start |
101.77034375 |
| transcript.pyannote[25].end |
101.97284375 |
| transcript.pyannote[26].speaker |
SPEAKER_00 |
| transcript.pyannote[26].start |
101.78721875 |
| transcript.pyannote[26].end |
101.95596875 |
| transcript.pyannote[27].speaker |
SPEAKER_00 |
| transcript.pyannote[27].start |
101.97284375 |
| transcript.pyannote[27].end |
105.97221875 |
| transcript.pyannote[28].speaker |
SPEAKER_01 |
| transcript.pyannote[28].start |
105.97221875 |
| transcript.pyannote[28].end |
106.14096875 |
| transcript.pyannote[29].speaker |
SPEAKER_00 |
| transcript.pyannote[29].start |
106.14096875 |
| transcript.pyannote[29].end |
106.98471875 |
| transcript.pyannote[30].speaker |
SPEAKER_01 |
| transcript.pyannote[30].start |
106.98471875 |
| transcript.pyannote[30].end |
107.47409375 |
| transcript.pyannote[31].speaker |
SPEAKER_00 |
| transcript.pyannote[31].start |
107.47409375 |
| transcript.pyannote[31].end |
107.96346875 |
| transcript.pyannote[32].speaker |
SPEAKER_01 |
| transcript.pyannote[32].start |
107.96346875 |
| transcript.pyannote[32].end |
109.00971875 |
| transcript.pyannote[33].speaker |
SPEAKER_00 |
| transcript.pyannote[33].start |
109.00971875 |
| transcript.pyannote[33].end |
109.11096875 |
| transcript.pyannote[34].speaker |
SPEAKER_01 |
| transcript.pyannote[34].start |
109.49909375 |
| transcript.pyannote[34].end |
115.08471875 |
| transcript.pyannote[35].speaker |
SPEAKER_01 |
| transcript.pyannote[35].start |
116.04659375 |
| transcript.pyannote[35].end |
116.67096875 |
| transcript.pyannote[36].speaker |
SPEAKER_01 |
| transcript.pyannote[36].start |
117.04221875 |
| transcript.pyannote[36].end |
129.09096875 |
| transcript.pyannote[37].speaker |
SPEAKER_01 |
| transcript.pyannote[37].start |
129.51284375 |
| transcript.pyannote[37].end |
135.95909375 |
| transcript.pyannote[38].speaker |
SPEAKER_01 |
| transcript.pyannote[38].start |
135.99284375 |
| transcript.pyannote[38].end |
140.27909375 |
| transcript.pyannote[39].speaker |
SPEAKER_01 |
| transcript.pyannote[39].start |
140.86971875 |
| transcript.pyannote[39].end |
143.85659375 |
| transcript.pyannote[40].speaker |
SPEAKER_01 |
| transcript.pyannote[40].start |
144.19409375 |
| transcript.pyannote[40].end |
154.87596875 |
| transcript.pyannote[41].speaker |
SPEAKER_01 |
| transcript.pyannote[41].start |
155.43284375 |
| transcript.pyannote[41].end |
160.95096875 |
| transcript.pyannote[42].speaker |
SPEAKER_01 |
| transcript.pyannote[42].start |
161.52471875 |
| transcript.pyannote[42].end |
163.65096875 |
| transcript.pyannote[43].speaker |
SPEAKER_01 |
| transcript.pyannote[43].start |
164.12346875 |
| transcript.pyannote[43].end |
166.92471875 |
| transcript.pyannote[44].speaker |
SPEAKER_01 |
| transcript.pyannote[44].start |
167.07659375 |
| transcript.pyannote[44].end |
170.02971875 |
| transcript.pyannote[45].speaker |
SPEAKER_01 |
| transcript.pyannote[45].start |
170.28284375 |
| transcript.pyannote[45].end |
172.51034375 |
| transcript.pyannote[46].speaker |
SPEAKER_00 |
| transcript.pyannote[46].start |
172.51034375 |
| transcript.pyannote[46].end |
172.52721875 |
| transcript.pyannote[47].speaker |
SPEAKER_01 |
| transcript.pyannote[47].start |
173.28659375 |
| transcript.pyannote[47].end |
173.87721875 |
| transcript.pyannote[48].speaker |
SPEAKER_00 |
| transcript.pyannote[48].start |
173.87721875 |
| transcript.pyannote[48].end |
173.91096875 |
| transcript.pyannote[49].speaker |
SPEAKER_01 |
| transcript.pyannote[49].start |
174.33284375 |
| transcript.pyannote[49].end |
175.00784375 |
| transcript.pyannote[50].speaker |
SPEAKER_00 |
| transcript.pyannote[50].start |
175.00784375 |
| transcript.pyannote[50].end |
175.05846875 |
| transcript.pyannote[51].speaker |
SPEAKER_00 |
| transcript.pyannote[51].start |
175.17659375 |
| transcript.pyannote[51].end |
191.88284375 |
| transcript.pyannote[52].speaker |
SPEAKER_01 |
| transcript.pyannote[52].start |
178.97346875 |
| transcript.pyannote[52].end |
180.74534375 |
| transcript.pyannote[53].speaker |
SPEAKER_01 |
| transcript.pyannote[53].start |
184.17096875 |
| transcript.pyannote[53].end |
184.60971875 |
| transcript.pyannote[54].speaker |
SPEAKER_00 |
| transcript.pyannote[54].start |
192.05159375 |
| transcript.pyannote[54].end |
193.80659375 |
| transcript.pyannote[55].speaker |
SPEAKER_00 |
| transcript.pyannote[55].start |
194.17784375 |
| transcript.pyannote[55].end |
194.65034375 |
| transcript.pyannote[56].speaker |
SPEAKER_00 |
| transcript.pyannote[56].start |
194.85284375 |
| transcript.pyannote[56].end |
228.82221875 |
| transcript.pyannote[57].speaker |
SPEAKER_00 |
| transcript.pyannote[57].start |
229.39596875 |
| transcript.pyannote[57].end |
232.33221875 |
| transcript.pyannote[58].speaker |
SPEAKER_01 |
| transcript.pyannote[58].start |
231.70784375 |
| transcript.pyannote[58].end |
232.14659375 |
| transcript.pyannote[59].speaker |
SPEAKER_00 |
| transcript.pyannote[59].start |
232.65284375 |
| transcript.pyannote[59].end |
233.37846875 |
| transcript.pyannote[60].speaker |
SPEAKER_01 |
| transcript.pyannote[60].start |
232.87221875 |
| transcript.pyannote[60].end |
236.02784375 |
| transcript.pyannote[61].speaker |
SPEAKER_00 |
| transcript.pyannote[61].start |
236.02784375 |
| transcript.pyannote[61].end |
236.51721875 |
| transcript.pyannote[62].speaker |
SPEAKER_01 |
| transcript.pyannote[62].start |
236.51721875 |
| transcript.pyannote[62].end |
236.55096875 |
| transcript.pyannote[63].speaker |
SPEAKER_00 |
| transcript.pyannote[63].start |
237.29346875 |
| transcript.pyannote[63].end |
243.70596875 |
| transcript.pyannote[64].speaker |
SPEAKER_00 |
| transcript.pyannote[64].start |
244.31346875 |
| transcript.pyannote[64].end |
245.25846875 |
| transcript.pyannote[65].speaker |
SPEAKER_00 |
| transcript.pyannote[65].start |
245.93346875 |
| transcript.pyannote[65].end |
259.66971875 |
| transcript.pyannote[66].speaker |
SPEAKER_01 |
| transcript.pyannote[66].start |
247.70534375 |
| transcript.pyannote[66].end |
249.91596875 |
| transcript.pyannote[67].speaker |
SPEAKER_00 |
| transcript.pyannote[67].start |
260.09159375 |
| transcript.pyannote[67].end |
263.09534375 |
| transcript.pyannote[68].speaker |
SPEAKER_01 |
| transcript.pyannote[68].start |
262.63971875 |
| transcript.pyannote[68].end |
267.34784375 |
| transcript.pyannote[69].speaker |
SPEAKER_01 |
| transcript.pyannote[69].start |
268.12409375 |
| transcript.pyannote[69].end |
268.93409375 |
| transcript.pyannote[70].speaker |
SPEAKER_01 |
| transcript.pyannote[70].start |
269.15346875 |
| transcript.pyannote[70].end |
272.83221875 |
| transcript.pyannote[71].speaker |
SPEAKER_01 |
| transcript.pyannote[71].start |
273.03471875 |
| transcript.pyannote[71].end |
274.04721875 |
| transcript.pyannote[72].speaker |
SPEAKER_00 |
| transcript.pyannote[72].start |
274.04721875 |
| transcript.pyannote[72].end |
281.97846875 |
| transcript.pyannote[73].speaker |
SPEAKER_00 |
| transcript.pyannote[73].start |
282.24846875 |
| transcript.pyannote[73].end |
288.44159375 |
| transcript.pyannote[74].speaker |
SPEAKER_00 |
| transcript.pyannote[74].start |
289.03221875 |
| transcript.pyannote[74].end |
290.61846875 |
| transcript.pyannote[75].speaker |
SPEAKER_00 |
| transcript.pyannote[75].start |
290.85471875 |
| transcript.pyannote[75].end |
292.55909375 |
| transcript.pyannote[76].speaker |
SPEAKER_00 |
| transcript.pyannote[76].start |
293.50409375 |
| transcript.pyannote[76].end |
294.14534375 |
| transcript.pyannote[77].speaker |
SPEAKER_00 |
| transcript.pyannote[77].start |
295.47846875 |
| transcript.pyannote[77].end |
298.22909375 |
| transcript.pyannote[78].speaker |
SPEAKER_00 |
| transcript.pyannote[78].start |
298.39784375 |
| transcript.pyannote[78].end |
301.11471875 |
| transcript.pyannote[79].speaker |
SPEAKER_01 |
| transcript.pyannote[79].start |
303.10596875 |
| transcript.pyannote[79].end |
316.87596875 |
| transcript.pyannote[80].speaker |
SPEAKER_00 |
| transcript.pyannote[80].start |
316.87596875 |
| transcript.pyannote[80].end |
331.42221875 |
| transcript.pyannote[81].speaker |
SPEAKER_00 |
| transcript.pyannote[81].start |
332.11409375 |
| transcript.pyannote[81].end |
332.89034375 |
| transcript.pyannote[82].speaker |
SPEAKER_00 |
| transcript.pyannote[82].start |
333.36284375 |
| transcript.pyannote[82].end |
334.37534375 |
| transcript.pyannote[83].speaker |
SPEAKER_00 |
| transcript.pyannote[83].start |
335.28659375 |
| transcript.pyannote[83].end |
335.72534375 |
| transcript.pyannote[84].speaker |
SPEAKER_00 |
| transcript.pyannote[84].start |
336.02909375 |
| transcript.pyannote[84].end |
366.43784375 |
| transcript.pyannote[85].speaker |
SPEAKER_01 |
| transcript.pyannote[85].start |
367.75409375 |
| transcript.pyannote[85].end |
380.27534375 |
| transcript.pyannote[86].speaker |
SPEAKER_01 |
| transcript.pyannote[86].start |
380.71409375 |
| transcript.pyannote[86].end |
387.09284375 |
| transcript.pyannote[87].speaker |
SPEAKER_01 |
| transcript.pyannote[87].start |
387.56534375 |
| transcript.pyannote[87].end |
390.40034375 |
| transcript.pyannote[88].speaker |
SPEAKER_01 |
| transcript.pyannote[88].start |
390.95721875 |
| transcript.pyannote[88].end |
391.95284375 |
| transcript.pyannote[89].speaker |
SPEAKER_01 |
| transcript.pyannote[89].start |
392.18909375 |
| transcript.pyannote[89].end |
396.25596875 |
| transcript.pyannote[90].speaker |
SPEAKER_01 |
| transcript.pyannote[90].start |
396.54284375 |
| transcript.pyannote[90].end |
399.52971875 |
| transcript.pyannote[91].speaker |
SPEAKER_01 |
| transcript.pyannote[91].start |
400.08659375 |
| transcript.pyannote[91].end |
407.69721875 |
| transcript.pyannote[92].speaker |
SPEAKER_01 |
| transcript.pyannote[92].start |
408.20346875 |
| transcript.pyannote[92].end |
412.92846875 |
| transcript.pyannote[93].speaker |
SPEAKER_01 |
| transcript.pyannote[93].start |
413.04659375 |
| transcript.pyannote[93].end |
415.13909375 |
| transcript.pyannote[94].speaker |
SPEAKER_01 |
| transcript.pyannote[94].start |
415.25721875 |
| transcript.pyannote[94].end |
418.07534375 |
| transcript.pyannote[95].speaker |
SPEAKER_01 |
| transcript.pyannote[95].start |
418.34534375 |
| transcript.pyannote[95].end |
420.50534375 |
| transcript.pyannote[96].speaker |
SPEAKER_01 |
| transcript.pyannote[96].start |
420.80909375 |
| transcript.pyannote[96].end |
422.32784375 |
| transcript.pyannote[97].speaker |
SPEAKER_00 |
| transcript.pyannote[97].start |
422.32784375 |
| transcript.pyannote[97].end |
422.36159375 |
| transcript.pyannote[98].speaker |
SPEAKER_01 |
| transcript.pyannote[98].start |
422.96909375 |
| transcript.pyannote[98].end |
423.23909375 |
| transcript.pyannote[99].speaker |
SPEAKER_00 |
| transcript.pyannote[99].start |
423.23909375 |
| transcript.pyannote[99].end |
432.09846875 |
| transcript.pyannote[100].speaker |
SPEAKER_00 |
| transcript.pyannote[100].start |
432.28409375 |
| transcript.pyannote[100].end |
461.22471875 |
| transcript.pyannote[101].speaker |
SPEAKER_00 |
| transcript.pyannote[101].start |
461.66346875 |
| transcript.pyannote[101].end |
462.62534375 |
| transcript.pyannote[102].speaker |
SPEAKER_01 |
| transcript.pyannote[102].start |
463.13159375 |
| transcript.pyannote[102].end |
468.88596875 |
| transcript.pyannote[103].speaker |
SPEAKER_00 |
| transcript.pyannote[103].start |
467.51909375 |
| transcript.pyannote[103].end |
467.97471875 |
| transcript.pyannote[104].speaker |
SPEAKER_01 |
| transcript.pyannote[104].start |
469.61159375 |
| transcript.pyannote[104].end |
475.04534375 |
| transcript.pyannote[105].speaker |
SPEAKER_01 |
| transcript.pyannote[105].start |
475.24784375 |
| transcript.pyannote[105].end |
476.86784375 |
| transcript.pyannote[106].speaker |
SPEAKER_01 |
| transcript.pyannote[106].start |
476.98596875 |
| transcript.pyannote[106].end |
485.47409375 |
| transcript.pyannote[107].speaker |
SPEAKER_01 |
| transcript.pyannote[107].start |
485.77784375 |
| transcript.pyannote[107].end |
499.80096875 |
| transcript.pyannote[108].speaker |
SPEAKER_01 |
| transcript.pyannote[108].start |
500.35784375 |
| transcript.pyannote[108].end |
503.42909375 |
| transcript.pyannote[109].speaker |
SPEAKER_01 |
| transcript.pyannote[109].start |
503.69909375 |
| transcript.pyannote[109].end |
514.19534375 |
| transcript.pyannote[110].speaker |
SPEAKER_00 |
| transcript.pyannote[110].start |
513.45284375 |
| transcript.pyannote[110].end |
518.38034375 |
| transcript.pyannote[111].speaker |
SPEAKER_00 |
| transcript.pyannote[111].start |
518.63346875 |
| transcript.pyannote[111].end |
525.46784375 |
| transcript.pyannote[112].speaker |
SPEAKER_00 |
| transcript.pyannote[112].start |
525.90659375 |
| transcript.pyannote[112].end |
556.75409375 |
| transcript.pyannote[113].speaker |
SPEAKER_01 |
| transcript.pyannote[113].start |
557.05784375 |
| transcript.pyannote[113].end |
564.26346875 |
| transcript.pyannote[114].speaker |
SPEAKER_00 |
| transcript.pyannote[114].start |
557.74971875 |
| transcript.pyannote[114].end |
558.13784375 |
| transcript.pyannote[115].speaker |
SPEAKER_00 |
| transcript.pyannote[115].start |
559.77471875 |
| transcript.pyannote[115].end |
560.95596875 |
| transcript.pyannote[116].speaker |
SPEAKER_00 |
| transcript.pyannote[116].start |
561.02346875 |
| transcript.pyannote[116].end |
562.49159375 |
| transcript.pyannote[117].speaker |
SPEAKER_00 |
| transcript.pyannote[117].start |
562.55909375 |
| transcript.pyannote[117].end |
563.77409375 |
| transcript.pyannote[118].speaker |
SPEAKER_00 |
| transcript.pyannote[118].start |
564.26346875 |
| transcript.pyannote[118].end |
564.83721875 |
| transcript.pyannote[119].speaker |
SPEAKER_00 |
| transcript.pyannote[119].start |
566.57534375 |
| transcript.pyannote[119].end |
570.81096875 |
| transcript.whisperx[0].start |
2.486 |
| transcript.whisperx[0].end |
29.376 |
| transcript.whisperx[0].text |
委員長主委早主委面對未來這幾年的國際金融環境金管會長里的銀行業務跟保險業務有什麼方向及風險可不可以請主委簡單說明這個問題非常非常地廣泛我想第一個其實不同行業他所面對到的風險不太一樣不過未來的變動性變大這件事情是所有的金融機構都必須面對的我們以 |
| transcript.whisperx[1].start |
30.496 |
| transcript.whisperx[1].end |
51.333 |
| transcript.whisperx[1].text |
比如說銀行為例 那未來假設關稅或是這些國際貿易上面導致經濟下行的話那當然對他的貸款未來的這些的這個業務推動還有甚至未來的比如說這個還款的能力都會產生影響我想這部分是我們要看的 |
| transcript.whisperx[2].start |
52.054 |
| transcript.whisperx[2].end |
66.122 |
| transcript.whisperx[2].text |
那另外一個就是假設保險業剛剛很多委員指教的非常的多假設今天是因為利率匯率跟股市這些波動呢都會讓他的一些經營上產生很大的這個壓力這些也都是他們要面對的問題大概是 |
| transcript.whisperx[3].start |
69.725 |
| transcript.whisperx[3].end |
82.566 |
| transcript.whisperx[3].text |
未來變動很大 關稅 匯率這些都攸關很多當然受選工會對未來監理有兩項建議第一個就是要增加外匯價格變動準備金的裁員 |
| transcript.whisperx[4].start |
83.82 |
| transcript.whisperx[4].end |
106.658 |
| transcript.whisperx[4].text |
那第二個是調整匯率計算方式那我強調就是說我們台灣受險業海外投資的金額高達23兆23.28兆那影響的層面可以說是非常大所以儘管會要做足準備啦讓你們能夠安心啦是 這個我剛才講說金融監理的首要就是市場穩定跟消費信心 |
| transcript.whisperx[5].start |
107.659 |
| transcript.whisperx[5].end |
114.433 |
| transcript.whisperx[5].text |
好 再請教主委那配合台灣成為亞洲資產管理中心那研議修正將 |
| transcript.whisperx[6].start |
116.069 |
| transcript.whisperx[6].end |
139.827 |
| transcript.whisperx[6].text |
OIU免徵營利事業所得稅、營業稅、印花稅及免予扣繳所得稅之實施時間延長到124年年底12月31日延長OIU租稅優惠到2035年我們先回顧OIU租稅優惠實施的成效評估從你們去年寫的報告 |
| transcript.whisperx[7].start |
141.148 |
| transcript.whisperx[7].end |
154.275 |
| transcript.whisperx[7].text |
原預估國內保險公司36家設立OIU但是到112年底為止只有有20家業者包含了產險4家、售險15家、再保險1家獲准設立並開業那達成率只有55.56%所以要請教主委 |
| transcript.whisperx[8].start |
161.92 |
| transcript.whisperx[8].end |
172.338 |
| transcript.whisperx[8].text |
這雖然是去年的報告但是也是你們金管會網站成效最新的一篇報告所以時隔一年那目前這個達成率多少 |
| transcript.whisperx[9].start |
173.465 |
| transcript.whisperx[9].end |
180.431 |
| transcript.whisperx[9].text |
達成率有沒有增加?這個我印象中應該是差不多維持這個數據但是最近應該會有很明顯的改變原因是什麼?困難是什麼?主要的原因是過去這個市場萎縮很快 |
| transcript.whisperx[10].start |
195.384 |
| transcript.whisperx[10].end |
208.514 |
| transcript.whisperx[10].text |
這個主要針對外國非本國籍的客戶做境外的客戶那當然就是這部分其實保險公司他有他自己的商業考量但是最近為什麼我剛才講說可能又會活絡為什麼要修這個法律 |
| transcript.whisperx[11].start |
209.935 |
| transcript.whisperx[11].end |
235.254 |
| transcript.whisperx[11].text |
是因為我們在推動亞洲資產管理中心 希望留財引資希望我們國人流落在海外的或是外國人的這些人能夠來跟我們來做進行金融服務的交易其中保險商品也是一個很重要的點他們看到這個機會了 所以他們政策開放所以他們會再來加重這塊的業務所以很多保險公司表達這個意願具體的作為呢 就是說去輔導這些還沒設立的業者 |
| transcript.whisperx[12].start |
237.512 |
| transcript.whisperx[12].end |
259.288 |
| transcript.whisperx[12].text |
其實因為我們這36家雖然是很多但是呢真的有能力做的我覺得不見得是全部啦對所以沒有全部納入啦就是說也沒有說他都可以來申請但是他自己覺得說比如說比如說我本身就是個外資公司我就在全世界都做其實我也沒必要做這個還有就是說我自己呢在台灣我就做 |
| transcript.whisperx[13].start |
260.525 |
| transcript.whisperx[13].end |
287.747 |
| transcript.whisperx[13].text |
這個本國客戶就好了我再請教就是說我們看到這個保費收入表現更落後受選OIU的保費收入僅達預期的4.65%這是怎麼回事就是剛才講說我們在過去的客戶還有就是他們覺得保險公司對這個商品對這個市場他們就是慢慢的覺得他們沒有這個需求所以他們就做得少這是他們商業自己判斷的問題 |
| transcript.whisperx[14].start |
289.333 |
| transcript.whisperx[14].end |
300.404 |
| transcript.whisperx[14].text |
那殘險更是更淒慘了殘險的收入接近零對不對這個就他們自己判斷我們的市場規定在這邊那主要來講的話 |
| transcript.whisperx[15].start |
303.154 |
| transcript.whisperx[15].end |
330.592 |
| transcript.whisperx[15].text |
那是不是有很多提到什麼原因啊說國際政治與法規的限制啊還有洗錢防治強化啊中國大陸限制資金流動等等那針對這些實務障礙儘管會有哪些具體的策略還有規劃所以說我們的策略之一就是我們這次透過這樣那個亞洲資產管理中心結合OIU OBU OSU一起我們希望打造一個叫OAMU就是境外資產管理 |
| transcript.whisperx[16].start |
332.193 |
| transcript.whisperx[16].end |
352.864 |
| transcript.whisperx[16].text |
分公司或分行的概念所以我們因為這個到期了以後呢假設我們開始要推動這個所謂的國家經濟發展政策的時候就失去了這個稅賦的優惠的時候呢我覺得跟國際上的競爭就有很大的差異那我們既然這次呢推亞洲中心希望能夠跟香港新加坡跟其他的 |
| transcript.whisperx[17].start |
353.604 |
| transcript.whisperx[17].end |
366.244 |
| transcript.whisperx[17].text |
城市競爭那我們當然就是希望維持這個這個租稅委員會以前就有只是今年到期了我們希望能夠那個請求大院能夠讓我們通過然後再延長十年 |
| transcript.whisperx[18].start |
369.04 |
| transcript.whisperx[18].end |
389.535 |
| transcript.whisperx[18].text |
這個根據報告就是ORU國外債保險費收入達成率57.9%低於預期那主要原因有很多啦有天災損失這個損失率持續攀升國際債保市場價格去硬化還有地緣政治風險日益提高還有近期的利率變動推高的這個資本 |
| transcript.whisperx[19].start |
391.136 |
| transcript.whisperx[19].end |
410.902 |
| transcript.whisperx[19].text |
資金成本那導致這些保險業者採取更保守的這個核保策略減少承接高風險業務所以這些因素就是國際局勢還有地緣正式的不確定性讓業者在投資決策上更加嚴謹那既然考量到OIU已有延長到2035年的這個租稅優惠 |
| transcript.whisperx[20].start |
413.383 |
| transcript.whisperx[20].end |
422.035 |
| transcript.whisperx[20].text |
這個是租稅優惠是一個重要的誘因但是請問主委說除了這些租稅優惠之外那其他的這個監理配套還有政策配套是什麼 |
| transcript.whisperx[21].start |
423.498 |
| transcript.whisperx[21].end |
446.246 |
| transcript.whisperx[21].text |
剛剛提到這些嘛剛剛委員講的真的是非常非常到位就是我們整個的保險市場在國際上它有一個所謂的核保週期就是有時候它會市場上會比較萎縮這個我們說進入到所謂的硬市場他們叫hard market通常有發生重大的事故變化以後損率會提高損率提高的市場就開始 |
| transcript.whisperx[22].start |
447.627 |
| transcript.whisperx[22].end |
459.38 |
| transcript.whisperx[22].text |
比較難買到保險萎縮但是隨著時間經過他又進入到soft market就跟經濟景氣是一樣的就剛好剛剛委員提到那段時間呢大概就屬於所謂的hard market的時代但是這個東西就本來就是一個國際上就會這樣有這樣週期啦 |
| transcript.whisperx[23].start |
464.175 |
| transcript.whisperx[23].end |
472.439 |
| transcript.whisperx[23].text |
推動台灣成為亞洲資產管理中心 是我們當然支持OIU的租稅優惠延長就是希望說能夠吸引國際保險業務進駐擴大我國保險業在國際市場的規模跟競爭力 這我們都知道那擔心的就是說 |
| transcript.whisperx[24].start |
485.965 |
| transcript.whisperx[24].end |
500.733 |
| transcript.whisperx[24].text |
租稅優惠如果只是減輕稅負層面那無法帶動有效的帶動實際的業務擴張還有投資成長那這樣子的話我們又沒有其他的這種配套措施那租稅優惠淪為單純的一個稅收減免 |
| transcript.whisperx[25].start |
503.795 |
| transcript.whisperx[25].end |
525.215 |
| transcript.whisperx[25].text |
那如何確保這些優惠能夠轉化成國內保險業務的長期投資動能跟國際競爭力的實質提升這才是我們想要尋找的答案其實我們剛剛指示的非常對其實我們不是只有租稅租稅是一個最基礎的因為我們是做境外客戶本來就是沒有的那只是說他做了以後本來你沒有他就沒有 |
| transcript.whisperx[26].start |
525.976 |
| transcript.whisperx[26].end |
541.435 |
| transcript.whisperx[26].text |
那最重要像比如說剛剛委員說還有什麼措施比如說我們最近就開放了我們保險業可以做一個國際上面可以做的保險商品在OIU做這就是一個我們會未來對接國際上面的這些OIU的產品這就是另外一個策略 |
| transcript.whisperx[27].start |
542.316 |
| transcript.whisperx[27].end |
564.609 |
| transcript.whisperx[27].text |
就說我們會開放新的產品讓他們可以在OIO來做針對外國人或是這些外國的這些資產管理客戶有這個需求我們就看提供這樣的產品我想這個全新的這樣的做法會陸續的推出來對啦 主委我們避免人為形式上的誘惑那剛才的話要具體的做法有效的提升謝謝主委謝謝委員好 謝謝顏康安衡委員現在我們休息十分鐘 |