| IVOD_ID |
164019 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/164019 |
| 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 |
2025-10-13T10:46:50+08:00 |
| 結束時間 |
2025-10-13T10:58:31+08:00 |
| 影片長度 |
00:11:41 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/5d6d14916e595edcfcba7782db2d8d70524a4fcb09fe33208b7b742ce67879005298a28bd9a4829e5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
鍾佳濱 |
| 委員發言時間 |
10:46:50 - 10:58:31 |
| 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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我們接下來請鍾嘉賓委員那等一下下一位是黃珊珊委員黃珊珊委員質詢完之後我們休息十分鐘請主席在場的委員先進列席了政府計劃市場官員會場工作夥伴媒體記者女生先生有請彭主任委員請彭主委委員好 |
| transcript.whisperx[1].start |
27.305 |
| transcript.whisperx[1].end |
44.396 |
| transcript.whisperx[1].text |
主委我今天的重點當然標題很清楚但是呢還是不能免俗的從大家最關切的預測說你今天的報告有四大議題關於第二點之前也問到了回答進駐北市課的議題那我們看到您這邊的報告當中寫陷入僵局而您關切的是根據保險法第146條之二條 |
| transcript.whisperx[2].start |
46.477 |
| transcript.whisperx[2].end |
64.627 |
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投資不動產要及時利用有收益為限在實現內進行開發而且要增加租金收益這樣看起來好像您是對於新售在目前有沒有及時利用有收益還有進行開發關注的是這個角度還是我們應該是關注整個輝達能夠在台灣進駐是個更大的題目 |
| transcript.whisperx[3].start |
67.674 |
| transcript.whisperx[3].end |
90.65 |
| transcript.whisperx[3].text |
我想這個國人應該都很期盼外資對台灣特別是對我們未來重點產業我想這個立場應該是國人大概都應該是疑似的是的好那我們來看一下你認為輝達如果進入台灣更能夠將各種的創新產業引來台灣那這些創新產業可以成為國際資金投資的標的所以是相互都有幫忙是不是這樣我想任何 |
| transcript.whisperx[4].start |
91.891 |
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117.988 |
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外部資本的投資對本地的經濟體只要這個方向是正確應該就是有助益就是雞生蛋單生雞我們有標的讓他投資資金會進來資金進來的就有更多新創產業來爭取這些資金好那麼所以輝達是不是相較之下他是一個火車頭他更能夠吸引國際的新創產業來進入台灣對我想這應該會有效果還有他跟國內的這些供應鏈能夠結合的更緊密好 |
| transcript.whisperx[5].start |
118.168 |
| transcript.whisperx[5].end |
143.177 |
| transcript.whisperx[5].text |
那這也是你不斷在就任之後不斷談雅資中心嘛對不對雅資中心要扮演這個角色嘛把資金帶進來然後呢也把新創產業帶進來讓台灣的資金有投資的對象也讓台灣的產業有資金來投資那請問雅資中心目前最準備最衝突的專區在哪裡那當然現在我們只有公布一個高雄市只有公布一個高雄雅灣對不對所以說那如果這樣講那麼揮打進駐是不是 |
| transcript.whisperx[6].start |
146.485 |
| transcript.whisperx[6].end |
166.234 |
| transcript.whisperx[6].text |
高雄的雅灣是一個非常恰當的地點那我想是尊重他們的專業的考量因為他自己有自己的一些條件的考量我想最近在媒體也講了很多了是 好 那麼所以我們認為輝達如果也來落腳雅灣也能夠充分運用到目前金管會在雅灣所配置的這樣環境能夠螺製人才 也能夠吸引資金是這樣嗎好 謝謝 |
| transcript.whisperx[7].start |
168.135 |
| transcript.whisperx[7].end |
190.825 |
| transcript.whisperx[7].text |
接下來我們來看一下我們現在關心的另外就是新一代清償能力制度ICS還有接軌IFRS7這裡面我們看到的最近大家關心的就是保險業因應近期國際的金融情勢有一個暫行措施對不對這個暫行措施關注的是資本氏族率和匯率的均價制度還有責任準備金的提 |
| transcript.whisperx[8].start |
191.885 |
| transcript.whisperx[8].end |
213.56 |
| transcript.whisperx[8].text |
記題的基準調整嘛 對不對那目前的主要變動是怎麼樣有人說這個是一個比較屬於監理的寬容你認為是一個把標準放得比較低一點本來要求考80分現在考70分就好了呢還是你認為這整個的制度配套它不是只是監理寬容還有更積極面的意義我想謝謝委員給我這個機會說明 |
| transcript.whisperx[9].start |
215.541 |
| transcript.whisperx[9].end |
238.244 |
| transcript.whisperx[9].text |
我想在4月2號到4月到5月的時候誰也說不清楚未來半年會發生什麼事情但是我們在明年的1月1號是已經確定要接軌兩個制度那我們也講過了就是說如果這個中間如果產生重大經濟波動的話我們過去所設算的標準都會受到影響所以我們才在那個情況之下制定一個暫行措施第一個我們會講RBC用軍價 |
| transcript.whisperx[10].start |
239.825 |
| transcript.whisperx[10].end |
265.039 |
| transcript.whisperx[10].text |
這個金管會馬上就可以決定但是另外還有一個財報財報是會計準則金管會是沒有辦法更動所以我們用了一種方法就是明年開帳的時候本來就會有一個有利影響數這部分我們在40%額度之內其實這個東西不是說我們額外的那其實他明年他本來就可以收回這一部分所以我們用這個方式來抵禦達到匯率均價的效果所以這兩是一樣的只是說我們 |
| transcript.whisperx[11].start |
265.959 |
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282.013 |
| transcript.whisperx[11].text |
這也不是寬容我們是為了因應這樣一個突然的波動我想川普這個因素我想再假設你回溯到明年應該沒人會想到這樣所以說我們只是希望說做一個監理官穩定市場是最重要的職責之一是監理穩定那我們來看你說的沒有錯 |
| transcript.whisperx[12].start |
283.214 |
| transcript.whisperx[12].end |
306.393 |
| transcript.whisperx[12].text |
這個匯率的不穩定它會造成受險公司首先它過去的保單的資金成本較高譬如說9%那時候台灣的保單很高但是國內利率偏低所以它不得不到海外去投資它就要換匯可是換匯之後就匯率不穩定它就有避險的成本這個成本是付出去的另外它就算有獲利也要到外匯準備金目前的一個模型是這樣沒錯吧對 道理上是這樣 |
| transcript.whisperx[13].start |
308.294 |
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327.437 |
| transcript.whisperx[13].text |
但是你要知道壽險業資金回台投資不是只有帳面資金為了每年為了避險的換匯成本高達3851億那麼過去的波動也造成一定的匯率損失那在目前你政經措施之下它的外匯價格變動準備金要提出了3726億我們可以這樣說每年目前在 |
| transcript.whisperx[14].start |
328.717 |
| transcript.whisperx[14].end |
345.114 |
| transcript.whisperx[14].text |
避險的成本就要固定的成本就有三千八然後呢 機會成本不能拿去用要必須放在我們的準備金的有三千七如果這些錢我能夠有效的把它尊潔 降低是不是來一字五瑕之中心是不是更好其實跟委員報告一下其實如果我們針對 |
| transcript.whisperx[15].start |
346.235 |
| transcript.whisperx[15].end |
374.283 |
| transcript.whisperx[15].text |
仔細去研究一下壽險公司的避險工具跟他經營模式就會看到就是說我們過去十年大概花了兩兆其實兩兆的部分其實並沒有解決我們現在匯率上的問題就代表說這個工具跟他們的真正的風險是不那麼匹配我們才會想說我們是不是好好來檢討一下有一套制度可以這樣來做的時候他可以不用去因為帳面上的波動去避險而把這個錢直接拿來增資所以我想這個反而是強化體質 |
| transcript.whisperx[16].start |
375.663 |
| transcript.whisperx[16].end |
396.858 |
| transcript.whisperx[16].text |
支持靜環這樣做法但是我們看到就是這樣過去您聽到了我們的監理跟我們的財務管理如果說我們的資本市足率為了保護的利益我們要做風險管理因此要提立外匯準備有獲利或者說他又不能就不發股利但是就金控的我們公司來講他帳面有獲利卻沒有現金他被迫要去舉債以滿足股東權益 |
| transcript.whisperx[17].start |
398.379 |
| transcript.whisperx[17].end |
418.063 |
| transcript.whisperx[17].text |
我們在這裡看到了為了股東的財務治理發現金的鼓勵跟為了保護的風險管理產生一個權衡的問題那面對我這個具體的問題譬如說當我們要求對於保護的權益我們進行風險管理要求他有獲利不花鼓勵但是他為了對股東交代他怎麼辦他舉再來發鼓勵你覺得這樣可以嗎 |
| transcript.whisperx[18].start |
424.839 |
| transcript.whisperx[18].end |
447.464 |
| transcript.whisperx[18].text |
這個委員對這問題研究非常深入這個就是凸顯了一個問題理論上來講你有獲利就應該發股利沒有問題但是顯然我們這一套會計制度的評價很多的獲利是來自於未實現現在有明年可能就沒有這也是為什麼我們在發放現金的時候保險局會這麼保守就是帳面上雖然有獲利但是他認為這個東西很多是未實現假如明年匯率波動又沒有了所以 |
| transcript.whisperx[19].start |
448.104 |
| transcript.whisperx[19].end |
477.412 |
| transcript.whisperx[19].text |
我們才會很認真來思考這套會計制度所呈現的損益是不是真正的損益好 我們看到今後母公司它如果不發股利它擔心股東會對它失去信心股價會下跌這個時候又不利於它的機構的展望平等然後如果說它舉債去發現金股利它會造成淨負債比的上升利息保障倍數下降長期的ROE下降還有利率上揚它的資金成本上升削弱它長期的利差到底這樣的一個困境兩難的困境 主委 |
| transcript.whisperx[20].start |
478.032 |
| transcript.whisperx[20].end |
505.294 |
| transcript.whisperx[20].text |
您目前用什麼方式來因應所以剛剛委員提到這麼複雜這麼精準的描述其實最重要一點就是我們現在衡量受險損益的這個方法顯然有了很大的跟實質的落差我剛才提到你的現金任何一個行業各位都知道我今年的損益多少我就發多少股利經過股東大會這樣就沒有問題了但是為什麼在一個受險業會產生這個問題還會產生奇怪明明獲利還要去取債發現金 |
| transcript.whisperx[21].start |
506.775 |
| transcript.whisperx[21].end |
532.91 |
| transcript.whisperx[21].text |
所以這個就是一個很癥結的問題我了解目前好像保發中心承擔這樣的重責大任那天我們三個都在場我們再聽一下目前是不是保發中心在幫忙做這樣的一個試算是 過去我們一直都是希望借重保發的一些的精算統計數據來幫我們做這些事好 那我來想 我打個比方 您是老師結果如果老師校長告訴說你全班要歐帕至少讓他可以補考 |
| transcript.whisperx[22].start |
533.47 |
| transcript.whisperx[22].end |
551.685 |
| transcript.whisperx[22].text |
那你考卷怎麼出班上20個同學國英數理化大家的能力高低都不一樣你英文出高了對那個英文差的人不停不公平你數學出簡單的對數學厲害的人不公平所以呢出了考卷全班20個同學那麼多學生專長不同還要維持排名不變還要全員及格你覺得這個老師有辦法做得到嗎 |
| transcript.whisperx[23].start |
552.981 |
| transcript.whisperx[23].end |
565.778 |
| transcript.whisperx[23].text |
當然很挑戰啦 這我們當老師就是每天都在想這些事情所以這也是你的目標囉當然我們希望達到公平接軌跟所謂的信賴保護接軌是 那麼我們先舉一個特別的案例 |
| transcript.whisperx[24].start |
568.496 |
| transcript.whisperx[24].end |
592.734 |
| transcript.whisperx[24].text |
人壽他目前呢在招親希望人家去欣賞他但是這些標準在調控的當中會影響到他的代價額估的一個表現那你們怎麼辦所以我們想說盡快把遊戲規則確定以方便這個各方做評估所以這裡面有寫到接軌ICS我們訪問中心說RVC未達門檻的人可個案申請是這樣 |
| transcript.whisperx[25].start |
594.349 |
| transcript.whisperx[25].end |
618.071 |
| transcript.whisperx[25].text |
對就是我們希望就是說這部分因為新制度是希望大家都能走下但是該兼顧到的公平比如說你以前的增資或是一些資本缺口還是不會因為接軌而消失那剛剛提到了那目前的要接軌這個新一代新廠能力的過渡措施那是由保發中心在十月中要發布那十月中就快到了 |
| transcript.whisperx[26].start |
619.352 |
| transcript.whisperx[26].end |
644.909 |
| transcript.whisperx[26].text |
主委認為承擔這個重責大任的初體老師可以達到你的目標嗎排名不變然後大家都歐帕我想我們現在應該是現在都已經大概在做法制作業了應該是很快就如果說快的話就這一兩天會跟大家做那對於這樣的結果您保持怎麼樣的一個期待樂觀全盤歐帕排名不變還是有一家兩家要補考 |
| transcript.whisperx[27].start |
646.834 |
| transcript.whisperx[27].end |
664.187 |
| transcript.whisperx[27].text |
我想情況不一樣容留明天我們再或是這兩天再跟大家做報告不過要跟他做報告很好對基本上剛剛委員提到我們剛才講我們公平的接軌信賴保護的接軌這部分因為我們是用一個更嚴格的標準我們希望我們的授權越來越好 |
| transcript.whisperx[28].start |
665.227 |
| transcript.whisperx[28].end |
689.616 |
| transcript.whisperx[28].text |
其實很多市場在解讀說其實這樣是不是比較放寬其實不是就是因為我們新的制度很嚴格所以我們要用一段時間讓我們的受請公司能夠調整的往上走就像爬階梯一樣好 謝謝主委您過去是學生心目中的好老師希望未來我們所推出來的制度也能讓這些各家的保險公司都認為您是個稱職的好主委 謝謝主委 希望學生都變成好學生優秀的學生 謝謝 |
| transcript.whisperx[29].start |
691.077 |
| transcript.whisperx[29].end |
691.779 |
| transcript.whisperx[29].text |
好 我們謝謝鍾委員接下來我們請黃珊珊委員 |