| IVOD_ID |
164001 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/164001 |
| 日期 |
2025-10-13 |
| 會議資料.會議代碼 |
委員會-11-4-20-2 |
| 會議資料.會議代碼:str |
第11屆第4會期財政委員會第2次全體委員會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
4 |
| 會議資料.會次 |
2 |
| 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4會期財政委員會第2次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-10-13T09:48:19+08:00 |
| 結束時間 |
2025-10-13T09:59:51+08:00 |
| 影片長度 |
00:11:32 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/5d6d14916e595edca531483e4aa7d228524a4fcb09fe33208b7b742ce678790091b1f0c7435980ee5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
郭國文 |
| 委員發言時間 |
09:48:19 - 09:59:51 |
| 會議時間 |
2025-10-13T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第4會期財政委員會第2次全體委員會議（事由：邀請金融監督管理委員會彭主任委員金隆率所屬機關首長暨中央存款保險股份有限公司、監管相關機構有關之財團法人、臺灣證券交易所股份有限公司、臺灣期貨交易所股份有限公司、臺灣集中保管結算所股份有限公司等董事長、總經理列席業務報告，並備質詢。
【10月13日、15日及16日三天一次會】） |
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| transcript.whisperx[0].start |
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我們請彭主委我們請彭主委 |
| transcript.whisperx[1].start |
6.823 |
| transcript.whisperx[1].end |
31.91 |
| transcript.whisperx[1].text |
主委好 明年就要接軌F17有關於新的債務清場的能力也要一同面對最近常常聽到我們金港會對於整個監理寬容的相關的政策的訊息的釋放聽起來是有寬有鬆有寬有窄 有緊有鬆標準我是不曉得在哪裡 |
| transcript.whisperx[2].start |
33.67 |
| transcript.whisperx[2].end |
48.719 |
| transcript.whisperx[2].text |
寬容的尺度之間要如何拿捏因為畢竟對象上每一個財務能力健全度不一嘛你如果包山包海你可能就會變成過度寬容對不對你如果區域嚴格的話那恐怕你要面對的問題就會更多 |
| transcript.whisperx[3].start |
50.76 |
| transcript.whisperx[3].end |
66.822 |
| transcript.whisperx[3].text |
那要如何再透過這種方式來分級管理又不違反原則的情況底下我覺得現階段最重要關鍵我看起來如果就極端值來看的話現在普遍看到就是331這個美邦的這個資本失足率長期來累積起來已經有連續7期 |
| transcript.whisperx[4].start |
68.224 |
| transcript.whisperx[4].end |
84.321 |
| transcript.whisperx[4].text |
你如果連這個都可以接軌的話那顯然就會過度寬容你如果不接軌的話那你要如何面對這個要去清楚我覺得最基本一個原則我記得我之前問過黃天牧主委也就是說如果要接軌之前第一個RBC的部分要提高到200 |
| transcript.whisperx[5].start |
85.922 |
| transcript.whisperx[5].end |
106.354 |
| transcript.whisperx[5].text |
第二個呢 要先自住金管會才會提供人住這個態度有沒有轉變其實沒有轉變沒有轉變那沒有轉變的情況底下呢商商美邦連續七期RBC已經落入資本不足那最近這個金管會裡面說要求他們簽署一個增資承諾書 |
| transcript.whisperx[6].start |
108.269 |
| transcript.whisperx[6].end |
126.358 |
| transcript.whisperx[6].text |
問題是連續三年半都提不出來啦你現在就有辦法嗎這是第一個問題他有沒有能力你要做一個判準你要做一個判準你要給他們多少門檻還有期限才能達到所謂的這個原則不會變嘛主委我跟委員稍微報告一下 |
| transcript.whisperx[7].start |
127.538 |
| transcript.whisperx[7].end |
144.827 |
| transcript.whisperx[7].text |
其實受險業的資本氏族率跟他比如說我們先談這個案子啦你不要再談其他的教科書的原則啦這一定要先講跟委員報告一下大家會以為就是說你資本氏族率不到200你就必須出場不是 |
| transcript.whisperx[8].start |
145.547 |
| transcript.whisperx[8].end |
158.992 |
| transcript.whisperx[8].text |
資本失足率就是假設我最簡單的概念資本減掉負債你還要有一定的buffer你buffer低於我警戒值我叫你改善並不是這家公司不能經營我想這是一個前提我現在不是在談原理原則我談說這個狀況你要怎麼處理不會影響到你監理寬容的尺度的拿捏那當然這是 |
| transcript.whisperx[9].start |
166.375 |
| transcript.whisperx[9].end |
186.582 |
| transcript.whisperx[9].text |
這也是我們就是說怎麼做到公平接軌這是過去我們在這一年來我們每個禮拜密集開會在討論的重點所以剛剛講委員剛剛講說RBC跟這個接軌過程當中會不會因為就像比如這張投影片講說財務不合格也能適用監理寬容這應該要回答兩個問題就是是不是用一樣的監理寬容 |
| transcript.whisperx[10].start |
187.242 |
| transcript.whisperx[10].end |
213.114 |
| transcript.whisperx[10].text |
然後是用不一樣的監理規範那當然就有考慮到公平性了所以我們會很快的就公佈這套制度就可以看得到就是說不會因為你原來原來這個責任會因為接軌而消失這個我想很簡單的道理主委 講白一點你當然是你有一個政策目標嘛你要全部讓他接軌還是一個態度還是要分級處理還是要掌握一定的原則我現在本席要問你的是說你現在很明顯就是遇到這個問題嘛 |
| transcript.whisperx[11].start |
214.395 |
| transcript.whisperx[11].end |
235.437 |
| transcript.whisperx[11].text |
那接下來你要對商商營的部分呢你到底要當媒人來引介不同的對象或者你要準備當新郎要把他迎娶我要問你是說你最後怎麼辦啊如果沒有辦法在一體適用的情況底下你總要有一個基本的態度出來嘛現在沒多久了 現在十月了 |
| transcript.whisperx[12].start |
236.653 |
| transcript.whisperx[12].end |
262.218 |
| transcript.whisperx[12].text |
對啊 所以說我們現在因為這個就是因為像委員講的複雜程度很高所以我們過去一定要非常周延的討論我想我們到現在還沒討論出來討論出來了討論出來態度如何就直接講嘛我剛剛跟各位講過假設我們有一個叫做這個信賴保護原則就是說你現在是一個RBC及格的公司比如說按照我們基準點就是6月30號及格的公司不會因為我換一個制度突然你就 |
| transcript.whisperx[13].start |
263.078 |
| transcript.whisperx[13].end |
280.145 |
| transcript.whisperx[13].text |
你就突然就必須要所以我們給一個過度就是剛剛委員提到的寬容但這個過程當中如果說因為你因為一直沒有完成舊制度的這部分這部分你還是要持續來完成但是這個額外外加的負擔不會因此而減少 |
| transcript.whisperx[14].start |
281.345 |
| transcript.whisperx[14].end |
295.774 |
| transcript.whisperx[14].text |
主委你現在還是迴避這個個案的處理你看最近的整個這個態度是趨嚴或是分歧也不清楚像這保化中心最近釋放出來說研究於這個ICS2.0的過渡措施呢可借金額是15年 |
| transcript.whisperx[15].start |
296.494 |
| transcript.whisperx[15].end |
315.796 |
| transcript.whisperx[15].text |
或超借五年一些業界就開始想說為什麼又變來變去這是第一啦第二部分呢過去我們對整個這個IFO-17的這個部分的接軌基本上IFO-17主要是要透明化可是你最近呢你的報告也提到要重新去評估這一個整個海外投資的狀況 |
| transcript.whisperx[16].start |
316.857 |
| transcript.whisperx[16].end |
331.609 |
| transcript.whisperx[16].text |
海外投資的這個匯殺損的部分過去就是因為過度寬容開放了海外投資45%的一個上限之後以至於現在要承擔這麼多的曝血嘛這是第一嘛第二個部分呢你現在匯損的部分呢你說要蓋牌 |
| transcript.whisperx[17].start |
333.45 |
| transcript.whisperx[17].end |
352.063 |
| transcript.whisperx[17].text |
那這不是跟iPhone SEVENTEEN的這個透明化又相衝我嗎這個跟委員講絕對不是蓋牌我想這是一個非常非常專業也很難去一次說清楚我嘗試跟委員報告委員剛剛講的叫做蓋牌是客氣的沒有 剛剛那個超額跟那個超借跟一般的概念那個變來變去其實並沒有變來變去 |
| transcript.whisperx[18].start |
354.764 |
| transcript.whisperx[18].end |
379.523 |
| transcript.whisperx[18].text |
財務不要讓他收到匯率的風險不揭露然後呢讓業者在整個這一個匯率對他有利的時候他又說他大舉了獲利也就是說呢他獲利的時候他強調透明化他虧損的時候他蓋牌化不是 其實委員其實不是吧你不應該如此吧絕對不是這樣不是這樣子可是你看起來是這樣子啊政策揭露看起來是這樣子啊那你要好好說明一下你要蓋牌就全部蓋牌你要透明就全部透明 |
| transcript.whisperx[19].start |
380.043 |
| transcript.whisperx[19].end |
383.545 |
| transcript.whisperx[19].text |
然後選擇性的蓋牌跟選擇性的透明絕對不是這樣我想委員您誤會了因為今天我想可能時間不夠我盡量講就是我們應該這樣講說其實會計最重要是要公允表達一個行業那只是說我們的現在壽險業這樣經營的型態現行的表達反而產生更大的誤解的時候我們應該尋求更允當表達它的方式而不是蓋牌就像剛才講說 |
| transcript.whisperx[20].start |
406.718 |
| transcript.whisperx[20].end |
421.5 |
| transcript.whisperx[20].text |
今天來講假設這樣做的話你好的你也沒有壞的你也不需要這就是一個公平的概念你要處理好當然你要處理好這是我們絕對要做的你現在做了這麼多監理寬容你無非他也要做出一些一定的回饋你就訂一個大回饋計畫嘛 |
| transcript.whisperx[21].start |
422.841 |
| transcript.whisperx[21].end |
440.795 |
| transcript.whisperx[21].text |
其實我們叫監理寬容其實是不太適當這跟以前我們在合併的監理寬容是不一樣因為我們現在是用更嚴格的規定如果瞬間下去的話當他擬定大回饋計畫的時候你要很清楚他大回饋的計畫內容而不是只有對象 |
| transcript.whisperx[22].start |
442.537 |
| transcript.whisperx[22].end |
456.577 |
| transcript.whisperx[22].text |
對 這是另外一個他要去做的事情不是只有社會 不是只有員工不是一個只有含糊的對象你要擬出一個具體的指標譬如講具體的指標當中你報告一個你就是說他資金還會資金回流的KPI |
| transcript.whisperx[23].start |
457.498 |
| transcript.whisperx[23].end |
476.593 |
| transcript.whisperx[23].text |
投入工件的比例有多少跟委員報告一下然後投入創新創投的比例有多少這是第一嘛第二個它可以設計出來一個比較符合普惠的人壽的保險而不是只有儲蓄型跟投資型然後不斷的吸金然後又造成新的一個部型的模式出現謝謝委員其實委員你剛才講的方向就是我們現在正要做的就是說 |
| transcript.whisperx[24].start |
477.333 |
| transcript.whisperx[24].end |
505.68 |
| transcript.whisperx[24].text |
我們推出一個嚴格的資本世俗規範當然我們很多公司沒辦法瞬間到位我們給他15年的時間讓你好好做到那一點但這個過程當中將來講說你怎麼樣去調整你的那個資產負債結構剛剛委員講到提到怎麼樣做更多更穩健的經營然後來搭配你的資本監理制度這是我們未來整套馬上會公布的你要給他設定一個基本的一個可能計畫的一個原則跟參考依據嗎這個是應該要做的不是讓他自由的去擬定嗎 |
| transcript.whisperx[25].start |
506.52 |
| transcript.whisperx[25].end |
526.497 |
| transcript.whisperx[25].text |
這樣很符合你的政策目標嗎沒錯 委員剛剛講的完全就是我們受險業長期在比如說資產負債的比如說幣別的不匹配這一部分我們需要花時間來做一個改變這也是我們會在未來這套新的資本制度我們做一個配套來處理這件事情我期待你看出一個更具體的了不要忽鬆 忽緊 忽寬 忽窄 |
| transcript.whisperx[26].start |
530.76 |
| transcript.whisperx[26].end |
559.482 |
| transcript.whisperx[26].text |
我想另外一個部分你知道我們現在股票的蓬勃發展但是弊案好像隨之而來之前如果我們在討論這個的部分當初我們的整個股票市場的這個市值從原來的十大現在變成全球八大原來的九十兆聽說可能會破百兆相對而言最近的整個內線交易炒股案就不斷發生 |
| transcript.whisperx[27].start |
560.663 |
| transcript.whisperx[27].end |
584.478 |
| transcript.whisperx[27].text |
到底這些內線交易跟炒股案是一個法律制度規範的不足或者是判決的這個依據這個定罪率太低還是防逃的機制不夠否則的話這樣的風氣再下去的話站在一個主委你希望這個資本市場的穩定投資人的權益的保障這都是你應該要面對的問題不是嗎是 |
| transcript.whisperx[28].start |
587.233 |
| transcript.whisperx[28].end |
608.226 |
| transcript.whisperx[28].text |
那主委面對這個問題你有沒有什麼想法跟做法其實我從上任開始我想在很多的地方我就發現到這是一個需要被好好來處理第一個我們很多的基金經理人我相信大部分的基金經理人都是非常專業正職的經理人是一個部分喔對然後你看那朱國榮國寶集團總裁落跑啦鮑魚大亨中文字落跑啦 |
| transcript.whisperx[29].start |
608.926 |
| transcript.whisperx[29].end |
623.917 |
| transcript.whisperx[29].text |
重刀最典型的這個部分這個潛逃當然不是你的範圍嘛這個司法體系司法輸送的時間太長也是造成他潛逃一個因素你看還有成德生技 迅達電大立光 成創科技所有的東西 |
| transcript.whisperx[30].start |
624.838 |
| transcript.whisperx[30].end |
652.08 |
| transcript.whisperx[30].text |
都看不出來有什麼樣實質的嚇阻作用對 這是一個司法的問題我想剛才委員司法問題也有可能是立法的問題制度的規範的問題就投影片後面那個跟單的部分我們是確實要好好來解決怎麼樣尊重這個專業然後怎麼樣透過我們現在是希望透過比較科技的方式透過這些交易流來發現這些事情我想已經在做司法機關真的是末端主管機關還是在於你對不對 |
| transcript.whisperx[31].start |
653.061 |
| transcript.whisperx[31].end |
667.743 |
| transcript.whisperx[31].text |
这些一连串的状况当中我建议你 你要我给你一个月的时间你拟一下问如何去解决这些问题跟乱象随着整个资本市场不断的壮大的情况弊案随之增加也不是好事了好不好 |
| transcript.whisperx[32].start |
668.904 |
| transcript.whisperx[32].end |
686.182 |
| transcript.whisperx[32].text |
一個月可以吧可以可以我們把這個相關的一些問題點把它釐清清楚制度怎麼解決政府的態度是如何要對投資大眾講清楚好不好那當然謝謝主委謝謝主席謝謝國務委員那再請彭主委一個月內提報告接下來我們請賴會員委員 |