| IVOD_ID |
162422 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/162422 |
| 日期 |
2025-06-11 |
| 會議資料.會議代碼 |
聯席會議-11-3-19,20-3 |
| 會議資料.會議代碼:str |
第11屆第3會期經濟、財政兩委員會第3次聯席會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
3 |
| 會議資料.會次 |
3 |
| 會議資料.種類 |
聯席會議 |
| 會議資料.委員會代碼[0] |
19 |
| 會議資料.委員會代碼[1] |
20 |
| 會議資料.委員會代碼:str[0] |
經濟委員會 |
| 會議資料.委員會代碼:str[1] |
財政委員會 |
| 會議資料.標題 |
第11屆第3會期經濟、財政兩委員會第3次聯席會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-06-11T10:09:52+08:00 |
| 結束時間 |
2025-06-11T10:19:53+08:00 |
| 影片長度 |
00:10:01 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/5b5dae1827dbf6c9305fa1a1f81a242fb4fab53e924c0ec17ecf2f83f27aab3b268cb4a8a8bd5f905ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
鄭天財Sra Kacaw |
| 委員發言時間 |
10:09:52 - 10:19:53 |
| 會議時間 |
2025-06-11T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第3會期經濟、財政兩委員會第3次聯席會議（事由：審查：
一、本院委員謝衣鳯等16人擬具「農業保險法第十條條文修正草案」案。
二、本院委員邱若華等21人擬具「農業保險法第二條及第十條條文修正草案」案。
三、本院台灣民眾黨黨團擬具「農業保險法第二條及第十條條文修正草案」案。(詢答)） |
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主席 各位委員 有請部長陳部長委員好 部長好農業保險已經實施差不多10年了現在已經113年度你們的資料是說投保27萬件 |
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總共23.4萬公頃這樣的一個數字按照你的報告裡面還提到到這個就以今年來講投保19.1萬件15.8萬公頃覆蓋率目前是53.72 |
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53.72這樣的覆蓋率經過是10年來算嗎還是從109開始算應該從110年吧現在是當下當下的平均投保率現在嗎對去年的啦以去年的投保率是每一年歸零這樣的那個還是有非常需要加強的空間對不對 |
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| transcript.whisperx[3].end |
102.929 |
| transcript.whisperx[3].text |
因為這樣的覆蓋率我個人認為就是整個投保的覆蓋率 |
| transcript.whisperx[4].start |
104.073 |
| transcript.whisperx[4].end |
132.529 |
| transcript.whisperx[4].text |
不是一直一味的一直拉高我們希望說每一張保單有它的保單的設計是符合農民需要而且它的每一張保單的投保人數是多的那整個投保覆蓋率本身又牽扯到有的保單剛剛開始有的保單還沒設計它品項太多了嘛所以我想我們未來會要求投保的保單的品質而不是衝保單的數量品質 好 |
| transcript.whisperx[5].start |
134.485 |
| transcript.whisperx[5].end |
142.913 |
| transcript.whisperx[5].text |
那我們就看這個理賠率好了這個到今年4月理賠12.5萬件總理賠金額60.6億你說理賠率怎麼樣?理賠率130% |
| transcript.whisperx[6].start |
156.485 |
| transcript.whisperx[6].end |
177.696 |
| transcript.whisperx[6].text |
理賠率那理賠的金額每件大概平均多少就要看不同的那個就像您剛才講的27萬件23.4萬公頃嘛那相對的一除的話大概就是幾萬塊吧大概就這樣子所以他這個以理賠12.5萬件總理賠金額60.6億的話 |
| transcript.whisperx[7].start |
185.049 |
| transcript.whisperx[7].end |
214.466 |
| transcript.whisperx[7].text |
就是平均那另外我如果理賠率是百分之一百三的話就是我保費收了一百塊可是我賠了一百三十塊的這種概念啊所以換句話說農民會增加了這個三十塊的的一個一個貨到這個理賠以現在的數字啊數字六十點六億來算的話差不多四萬八千多了 |
| transcript.whisperx[8].start |
215.996 |
| transcript.whisperx[8].end |
220.179 |
| transcript.whisperx[8].text |
平均4萬8千多也不是很高啦保險不是用來賺錢的所以這個部分是怎麼樣去精進的 |
| transcript.whisperx[9].start |
237.406 |
| transcript.whisperx[9].end |
245.691 |
| transcript.whisperx[9].text |
因為經過如果你這邊寫說自104年推動以來表示還沒有這個法例的時候就開始推動了嘛 |
| transcript.whisperx[10].start |
247.346 |
| transcript.whisperx[10].end |
268.084 |
| transcript.whisperx[10].text |
我跟委員報告 其實如果要談到農業保險那最佳的理賠率應該是70%到80%因為再一加一些行政成本嘛那這樣的話就能夠攤平整個的系統那現在理賠率超過100%超過100%表示說很多保單因為保的人數太少 |
| transcript.whisperx[11].start |
269.145 |
| transcript.whisperx[11].end |
282.857 |
| transcript.whisperx[11].text |
保單流出太少的時候他保費沒有辦法被分擔風險沒辦法被分擔所以我們的目標就是要讓更多人設計出一個好的保單讓更多人來投保讓這個保險的那個理賠率能夠降到70%到80%左右 |
| transcript.whisperx[12].start |
286.997 |
| transcript.whisperx[12].end |
300.664 |
| transcript.whisperx[12].text |
就是因為有這樣的一個實際的狀況實際實行的情形所以我們召委才會提出這個修農業保險法第10條 |
| transcript.whisperx[13].start |
302.205 |
| transcript.whisperx[13].end |
331.307 |
| transcript.whisperx[13].text |
怎麼樣能夠當然這個部分等一下如果有主條的話討論的話是可以再討論這個怎麼樣讓這個條文更好當然他這個利益良善就是希望這個補助比例授權給主管機關因應農業發展的需要能夠定期檢討這個部分是一個 |
| transcript.whisperx[14].start |
332.659 |
| transcript.whisperx[14].end |
344.547 |
| transcript.whisperx[14].text |
怎麼樣因為有時候條文有時候硬梆梆的如果我們基本上農業部我們都會相信農業部是會照顧農民是以農民的 |
| transcript.whisperx[15].start |
346.011 |
| transcript.whisperx[15].end |
373.027 |
| transcript.whisperx[15].text |
這個利益的一個尤其是相關的應該他之所以會要理賠就是因為符合理賠的條件所以這個部分是這個部分當然你們有你們的一個考量這個在你們的資料裡面這個補助刪除補助比例是不是不利還是有利在你們的報告裡面都有都有提到 |
| transcript.whisperx[16].start |
374.148 |
| transcript.whisperx[16].end |
388.868 |
| transcript.whisperx[16].text |
所以這個部分你們的理解按照你們對於這個條文的修正的理解就是說增加第二項前項補助比例主管基本考量農業發展之需要定期檢討調整 |
| transcript.whisperx[17].start |
391.27 |
| transcript.whisperx[17].end |
411.655 |
| transcript.whisperx[17].text |
這樣的文字跟你原來的線型條文的施行後第六年起以60%為上限是不利是還是有利我跟委員報告我非常感謝委員包括謝議員委員還有其他兩位委員的版本那其中有個重要的就是 |
| transcript.whisperx[18].start |
412.882 |
| transcript.whisperx[18].end |
433.923 |
| transcript.whisperx[18].text |
這些補助的比例應該要考量農業發展的需要定期的檢討調整這個我覺得我們也在做我們絕對認同那至於說把第六年以後的百分之六十刪掉那那個刪掉了以後反而會造成法的不確定性的空間它可以是零也可以是一百 |
| transcript.whisperx[19].start |
434.933 |
| transcript.whisperx[19].end |
458.596 |
| transcript.whisperx[19].text |
就是沒有一個完整的敘述因為前面只是敘述75%而已那如果說敘述75%然後講的是前項補助的話那就會有點邏輯不通就是說因為你刪掉了後面6年那你的現在紅色的前項的部分就是去調整前面5年可是前面5年已經過了啦 |
| transcript.whisperx[20].start |
459.799 |
| transcript.whisperx[20].end |
482.666 |
| transcript.whisperx[20].text |
所以這個部分我覺得農業部我們未來在調溫的足調審查的時候我想我們會提出一些我們的精進的作為那我都知道委員都是為了農民希望鼓勵農民來增加投保的前提那同樣的我們可以設計一些誘因來 |
| transcript.whisperx[21].start |
484.927 |
| transcript.whisperx[21].end |
504.604 |
| transcript.whisperx[21].text |
增加農民投保的這些意願這個我想我們在未來在主條審查的時候我們會提出一些想法來跟委員做一個報告這個我們討論的時候一定要考量到農民然後尤其是我們考量到這個 |
| transcript.whisperx[22].start |
506.027 |
| transcript.whisperx[22].end |
526.195 |
| transcript.whisperx[22].text |
目前的執行的狀況所以這個比例怎麼樣去決定雖然是授權給你們但是前面怎麼樣去比如說幾個例子其補助第一項補助比例不得低於多少比假設不足補助比例不得低於60%不得低於60% |
| transcript.whisperx[23].start |
530.97 |
| transcript.whisperx[23].end |
556.726 |
| transcript.whisperx[23].text |
然後第二項其補助比例你還可以往60以上還可以增加給你彈性委員你講到另外一件事情你說不得低於那農業部是絕對反對的啦因為保險本身是一個對價的一個關係如果所有東西都由政府承擔有太多的道德風險我想委員也經常在產業看嘛這個部長 |
| transcript.whisperx[24].start |
558.116 |
| transcript.whisperx[24].end |
571.128 |
| transcript.whisperx[24].text |
這個就是我剛剛只是一個給你討論的方向因為有第二項嘛前項補助比例給你去檢討嘛所以那個第一項的文字怎麼樣去修的會更好 |
| transcript.whisperx[25].start |
572.397 |
| transcript.whisperx[25].end |
593.804 |
| transcript.whisperx[25].text |
這個部分我們當初的想法就是第一項不刪六年的話後面那項留著就很好因為兩個都會考慮對 因為那個以本法實行後五年內以75%為上限那個已經過了嘛對所以已經文字不需要了所以第一項看怎麼改會更好我們到時候再一起討論好不好好 謝謝好 謝謝 |