| IVOD_ID |
162470 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/162470 |
| 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 |
2025-06-11T13:22:55+08:00 |
| 結束時間 |
2025-06-11T13:32:52+08:00 |
| 影片長度 |
00:09:57 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/5b5dae1827dbf6c9445805d6e6948543b4fab53e924c0ec1280ca7c7326cebf40ee1a9492a26f8aa5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
黃珊珊 |
| 委員發言時間 |
13:22:55 - 13:32:52 |
| 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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| transcript.whisperx[0].start |
5.66 |
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8.121 |
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好 謝謝主席 我請你部長陳部長市部長好 我想接下來7月9號就是對等關稅90天要到期了那現在應該是緊鑼密鼓在談判我想問問部長我上次在這邊問的是說你知不知道我們現在談判的進度然後有沒有什麼掌握 |
| transcript.whisperx[1].start |
32.174 |
| transcript.whisperx[1].end |
57.372 |
| transcript.whisperx[1].text |
我只能說我們有參與談判的時候的討論那談判現在正在進行中有什麼新的狀況或新的發展會不會像之前談判的過程中我想我不適合對外說明同意但是我要問的是你們都做好衝擊的準備了嗎我想以農業部的立場我們在談判的規劃跟跟討論的協調過程中我們一直堅持的 |
| transcript.whisperx[2].start |
59.176 |
| transcript.whisperx[2].end |
78.026 |
| transcript.whisperx[2].text |
針對跟糧食安全有關的這些品項不能放水我們就一定要去捍衛它原來我們所堅持的東西不能放水尤其是食安尤其是對農民的衝擊要交換東西我們都知道但是安全是不可以放水的現在你們編列了180億主要是協助外銷對嗎特別條例 |
| transcript.whisperx[3].start |
82.268 |
| transcript.whisperx[3].end |
96.848 |
| transcript.whisperx[3].text |
所以對內假設假如美國對我們要求跟英國一樣有一些美牛啊乙醇啊其他農產品的市場要大肆的開放或降低關稅那國內的市場你們有編預算的嗎 |
| transcript.whisperx[4].start |
97.549 |
| transcript.whisperx[4].end |
118.745 |
| transcript.whisperx[4].text |
我們下車180億是完全協助外銷是嗎不是 我們180億是當初在32%又降到10%的時候那有一部分是我們希望說它能夠持續的進銷外銷嘛但是有一部分可能訂單被中止它可能轉到內銷來所以有可能 我覺得說180億我還是問你一句你覺得夠嗎 |
| transcript.whisperx[5].start |
122.288 |
| transcript.whisperx[5].end |
148.915 |
| transcript.whisperx[5].text |
台灣民眾黨版本是要給你300億我知道但是以現在談判的不確定性來講我們也不期待亂成這樣還是希望啦就是說農業的部分是這次關稅裡面最重要的一環是我覺得農業部要堅守原來的原則第二個盡量台灣農民已經很辛苦了不應該再受到拿我們的農業市場去交換國家的其他的東西要換也要換個好價錢是 |
| transcript.whisperx[6].start |
151.676 |
| transcript.whisperx[6].end |
168.341 |
| transcript.whisperx[6].text |
今天要講的是農保法農保法的部分2020年訂定以後目前為止有兩好像是雙軌嘛第一個是保險公司做一部分商業保險另外一塊是農漁會的保險農業保險部長你滿意嗎在109年覆蓋率是9.56%現在到104年3月大概是53.83%其實成長的算不錯你覺得現有的覆蓋率你滿意嗎 |
| transcript.whisperx[7].start |
181.622 |
| transcript.whisperx[7].end |
208.736 |
| transcript.whisperx[7].text |
我覺得要看覆蓋率要分兩個階段政策型的要拉出來另外看53.7或者是八幾它本身是有涵蓋政策性的保險如果拉掉了以後是20.720.7其實以我們推五年我覺得整體來看20.7是可以達到階段性的目標但是20.7裡面你如果看細項其中餘產的只有2.7 |
| transcript.whisperx[8].start |
210.897 |
| transcript.whisperx[8].end |
236.779 |
| transcript.whisperx[8].text |
對啊 這個我才問說你滿意哪一塊哪一塊不滿意這個部分我就覺得說有必須有很大的必須要去精進的然後我們看了農業的這些保單裡面我也發現說有一些保單其實保的人數並不多那這個部分我們也把它撈出來看說要怎麼樣精進所以我的目標是我希望提升保單的品質而不是衝保單的量 |
| transcript.whisperx[9].start |
237.199 |
| transcript.whisperx[9].end |
266.559 |
| transcript.whisperx[9].text |
沒錯 重點是要好的保單也就是說我們雖然看起來有很多的商業保險他們有保一些但是真正跟農民有保障的應該還是我們政府所農運會所保的這些所謂收入型偵測性的強制險高粱水稻的基本收入險豬隻乳牛的死亡險但是商業保險針對天災或其他事故的保險顯然沒有辦法讓農民非常安心的去 |
| transcript.whisperx[10].start |
267.299 |
| transcript.whisperx[10].end |
289.557 |
| transcript.whisperx[10].text |
付這個保險費 因為可能不一定會被理賠得到現在問題是如果照這樣的狀況 我們去保了一個險就賠不到 那我就不買啦現在問題是這裡吧所以設計出一個好的保險才是我覺得農業部或接下去不管是農漁會 因為農漁會要他們設計商品 我覺得有困難啦所以 部長 這部分怎麼解決 |
| transcript.whisperx[11].start |
290.177 |
| transcript.whisperx[11].end |
298.963 |
| transcript.whisperx[11].text |
我想我們後續會針對這些商業型的保單現在禮賠率大概47%那正常的禮賠率應該是大概百分之八十左右所以當他禮賠率表示他投保之後他的 |
| transcript.whisperx[12].start |
307.248 |
| transcript.whisperx[12].end |
334.074 |
| transcript.whisperx[12].text |
不理賠的機率很高所以我就不買啦所以我才會說一的會降低保費是或者是在裡面的這些品項裡面我覺得還是回到一個啦就是這個保單它的風險係數保險公司的經濟價它的說難聽點它的獲利可能性那第三個就是它為什麼會賣出這樣的東西因為賺不到錢我就不賣啊我乾脆弄個很高的門檻讓你買不到啊那更嚴重的就是欸 |
| transcript.whisperx[13].start |
335.695 |
| transcript.whisperx[13].end |
360.232 |
| transcript.whisperx[13].text |
買到了但是賠不了一大堆另外條款一大堆所以重點還是那個風險的管控你看像看到國外的狀況大部分其實很多是由國家或是相關的農業協會他們去針對風險做好評估而且有國家的相關的數據讓保險公司可以設計出一個比較符合現實的保險所以我們現在是有農業金庫嘛 |
| transcript.whisperx[14].start |
362.373 |
| transcript.whisperx[14].end |
383.815 |
| transcript.whisperx[14].text |
我們農業金庫只做銀行業務嘛 要不要做點農業保險業務還有農業保險基金來處理是啊 所以好的保險才是要設計的可能不能只是單靠商業保險 部長同意嗎我同意 而且我覺得不管什麼樣的保險我覺得資料庫的這些風險的資料庫的累積才是重點 |
| transcript.whisperx[15].start |
384.355 |
| transcript.whisperx[15].end |
400.009 |
| transcript.whisperx[15].text |
因為這樣才能算出比較合時的狀況第二個我們政府有花這麼多的錢在補助那如果農業保險設計的好保費補的再高一點我們都不會反對重點是他要賠得到賠不到就是等於白買 |
| transcript.whisperx[16].start |
401.247 |
| transcript.whisperx[16].end |
421.256 |
| transcript.whisperx[16].text |
所以部長我覺得這個部分可能是政府要扛起這個責任不是只是給錢了事我給錢讓你去買保險結果你買了保險還是賠不到要等於白搭我了解所以我已經要求我們的同仁從去年開始我們就每一個保單重新去評估它的沒錯 |
| transcript.whisperx[17].start |
422.176 |
| transcript.whisperx[17].end |
447.989 |
| transcript.whisperx[17].text |
全面的重新檢視所以我說在今年年底之前我會全部盤出來如果沒人買的保單就是廢話啦就不用了啦好的保險讓他能夠有獲利然後農民保得到賠得了這個好的保險我們補再多保費我們大家都會支持這個是我的政策我不會衝他的保單的數量我會針對每一個保單是更多人來保保障農民保了錢得到賠 |
| transcript.whisperx[18].start |
449.15 |
| transcript.whisperx[18].end |
455.153 |
| transcript.whisperx[18].text |
第二個不會血本無歸我們這才是保險的意義所以馬來西亞對保險就不賠不賠40幾%而已這樣有點怪最後一個小問題就是我們現在農業保險我們大家都看到了就是 |
| transcript.whisperx[19].start |
465.737 |
| transcript.whisperx[19].end |
486.839 |
| transcript.whisperx[19].text |
目前為止他在金融消費爭議目前把上次在農業保險修法的時候已經把他放在金保法的調處的機制但是農業保險還不能進入所謂的金融貧困中心保護所以這個部分是不是要討論一下一個國家為什麼這麼多制度呢我們是不是找一下金管會上台 |
| transcript.whisperx[20].start |
491.155 |
| transcript.whisperx[20].end |
508.944 |
| transcript.whisperx[20].text |
比方說農業保險目前是可以依金融消費者保護法進行調處但是還不到評議中心的評議然後農業信用部發生的金融消費糾紛也不屬於金融評議中心的評議這到底是怎麼回事呢 |
| transcript.whisperx[21].start |
510.984 |
| transcript.whisperx[21].end |
525.158 |
| transcript.whisperx[21].text |
是謝謝有人提問 有關這個部分因為有涉及到這個 目的是主管機關還是農業部這邊 那所以是農業部要去跟你們今晚會說我要加入金融評議中心是這樣嗎 |
| transcript.whisperx[22].start |
527.11 |
| transcript.whisperx[22].end |
548.361 |
| transcript.whisperx[22].text |
因為這個 好 那我們就請部長吧 你是主管機關我的意思就是說 我跟委員說明就是如果有需要的話 我們會委託那個金融作為消費平益的部分去做調處 我就剛剛講農民拿不到保障 拿不到理賠 他要去找誰結果他要自己去告他 這很扯啊 不過我們去 |
| transcript.whisperx[23].start |
549.762 |
| transcript.whisperx[23].end |
570.007 |
| transcript.whisperx[23].text |
第二個我剛剛講的現在金管會連融資租賃公司都要納入金保法結果我們這真正在做金融消費的比如說農農漁會的信用部比如說農業保險不屬於金融消費者保護這很奇怪啊我給你一個月的時間你們去跟金管會協調如果可以的話農業部應該要把這兩個項目第一個農業保險跟 |
| transcript.whisperx[24].start |
575.51 |
| transcript.whisperx[24].end |
593.688 |
| transcript.whisperx[24].text |
農業農漁會的信用部他們發生的金融消費爭議要納入金融消費者評議中心去做處理好我們來溝通看看怎麼樣是否則你們就是話外之明而且農民在裡面反而變成相對弱勢這不公平是好謝謝部長一個月好謝謝好謝謝我們現在 |