| IVOD_ID |
164937 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/164937 |
| 日期 |
2025-10-31 |
| 會議資料.會議代碼 |
院會-11-4-7 |
| 會議資料.會議代碼:str |
第11屆第4會期第7次會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
4 |
| 會議資料.會次 |
7 |
| 會議資料.種類 |
院會 |
| 會議資料.標題 |
第11屆第4會期第7次會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-10-31T17:03:09+08:00 |
| 結束時間 |
2025-10-31T17:18:54+08:00 |
| 影片長度 |
00:15:45 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/ee73761948dc91d42b832b2db2bc4949248844316b57826689e52c843e65bafd508f01eb9e990b995ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
沈發惠 |
| 委員發言時間 |
17:03:09 - 17:18:54 |
| 會議時間 |
2025-10-31T09:00:00+08:00 |
| 會議名稱 |
第11屆第4會期第7次會議（事由：一、對行政院院長施政報告繼續質詢。二、10月31日上午9時至10時為國是論壇時間。三、11月4日下午2時15分至2時30分為處理臨時提案時間。） |
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| transcript.whisperx[0].start |
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好 院長我們請 |
| transcript.whisperx[1].start |
27.819 |
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54.845 |
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請院長再請卓院長備選省委好卓院長好這個我想這兩個禮拜前一條社會新聞在這裡這個讓我們大家都非常的悶痛 |
| transcript.whisperx[2].start |
57.294 |
| transcript.whisperx[2].end |
80.521 |
| transcript.whisperx[2].text |
這個一個親韓生他因為沒有辦法繳出一萬八千塊的這個學費那變成他壓垮他的最後一根稻草那這個最後他選擇選擇輕生了那這因為這一則新聞讓我就今天改變我原本今天想要質詢的題目我想說 |
| transcript.whisperx[3].start |
82.247 |
| transcript.whisperx[3].end |
107.5 |
| transcript.whisperx[3].text |
這個應該要回頭來檢視我們目前我們國家來做跟這個兒童跟少年的這個未來的這個發展商戶這樣子的做法我們來進行一個審視因為當一個國家說我們要為孩子鋪路的時候那句話就不是只是停留在口號應該要把這個希望落實在看得見的制度上面 |
| transcript.whisperx[4].start |
108.53 |
| transcript.whisperx[4].end |
134.726 |
| transcript.whisperx[4].text |
我們要讓每一個孩子可以站起來向前走我們就應該要把路鋪得更平鋪得更寬讓他更有力量尤其現在教育跟生活的成本持續上升社會競爭的加劇的情況之下家庭背景對孩子未來的影響 |
| transcript.whisperx[5].start |
136.914 |
| transcript.whisperx[5].end |
164.085 |
| transcript.whisperx[5].text |
再放大所以我們希望能夠清楚的給下一代一個起步的機會給他起步的一個支持所以我現在回頭來檢視我們現在兒少的未來教育跟發展帳戶這個制度這個制度可能是衛福部這邊主管 |
| transcript.whisperx[6].start |
167.435 |
| transcript.whisperx[6].end |
182.193 |
| transcript.whisperx[6].text |
我們從106年開始實施這個制度107年立法到現在也9年的時間了106年到現在實施9年我想9年我們來回頭來檢視這個制度到底 |
| transcript.whisperx[7].start |
183.476 |
| transcript.whisperx[7].end |
204.17 |
| transcript.whisperx[7].text |
到底在實施上面 實施了九年我們回頭來檢視看看有沒有什麼值得我們讓它更優化的空間能夠提供真正的提供兒童跟少年在未來起步的時候的一個支持所以這個制度其實九年來照理講也應該是累積了很多的經驗跟資料 |
| transcript.whisperx[8].start |
206.587 |
| transcript.whisperx[8].end |
230.115 |
| transcript.whisperx[8].text |
那所以我要從他的開戶率從縣市的差異從家庭的負擔從這個金融教育的配套等等這些方面我們來一起看我們其實從這些方面我們都看到還有優化的空間其實都還有優化的空間那所以接下來我想就這個制度怎麼樣來讓這個制度更普及更穩定能夠這個更具成長性能夠照顧更多的兒童跟少年這樣的角度來談這個問題那這個 |
| transcript.whisperx[9].start |
235.235 |
| transcript.whisperx[9].end |
254.943 |
| transcript.whisperx[9].text |
我剛講過這個制度我們從106年6月1號開辦到現在19年開辦的時候我們溯及到105年1月1號出生的孩子都可以辦理這樣的帳戶這個帳戶基本上就是一個為我們我國這個帳戶基本上就是一個為低收入戶中低收入戶 |
| transcript.whisperx[10].start |
255.823 |
| transcript.whisperx[10].end |
268.917 |
| transcript.whisperx[10].text |
低收入戶、中低收入戶還有長期安置的11的少年兒童大概就是這些孩子有資格能夠辦理政府會先存進一筆錢先存一萬塊接下來 |
| transcript.whisperx[11].start |
273.081 |
| transcript.whisperx[11].end |
295.747 |
| transcript.whisperx[11].text |
家裡存多少我們政府就補多少用這樣的制度來給這個孩子未來的支持那我看了你們的這個網站我上去看我們這個網站事實上是做得蠻清楚的幾乎把所有的條件他的歷史嚴格以及他這個丈夫未來他的一些相關的資格以及他的這個 |
| transcript.whisperx[12].start |
298.047 |
| transcript.whisperx[12].end |
316.006 |
| transcript.whisperx[12].text |
辦理這個帳戶的好處等等這些推廣大概在網站上面是寫的蠻清楚但是我關心的就是說我們實施9年我們現在到底成效怎麼樣我們先從覆蓋率院長我想我們從覆蓋率來看就是到底有多少 |
| transcript.whisperx[13].start |
316.994 |
| transcript.whisperx[13].end |
343.531 |
| transcript.whisperx[13].text |
多少人辦了這個帳戶 多少人到目前因為現在才開辦9年 還有到18歲才可以領所以現在是都還沒有開始領現在都是已經開始在存所以這9年裡面我們看看他的覆蓋率這部分這個院長不曉得清不清楚謝謝委員 我們剛好前兩三天吧我們正在討論到這個事情原意是說想讓年輕人出社會的時候有一桶金政府也出一部分 |
| transcript.whisperx[14].start |
344.051 |
| transcript.whisperx[14].end |
361.645 |
| transcript.whisperx[14].text |
那家庭出一部分但他的家庭的部分來自於低收中低收入本來就是經濟上比較弱勢的那原來這種構想是這個樣子所以我們在認為說未來是不是要朝向一個更廣泛的全面性的家庭支持跟政府來做合作所以我們有在檢討這個現在的制度那事實請部長來說明一下這個部長齁我這邊我幫你統計啦齁時間的關係我就 |
| transcript.whisperx[15].start |
370.755 |
| transcript.whisperx[15].end |
397.167 |
| transcript.whisperx[15].text |
我看我這個也都是我資料全部都是從衛福部的資料來的這個我以這個我們2025年9月我們的衛福部的統計這個低收入戶跟這個收入這個低收入戶加中低收入戶加上這些失憶兒少這樣子加起來總共這個有人數總共是三萬是三萬 |
| transcript.whisperx[16].start |
399.215 |
| transcript.whisperx[16].end |
404.016 |
| transcript.whisperx[16].text |
總數是95692人辦理帳戶的有多少目前累積辦理帳戶總開戶數我幫你算我以2023年算我這邊的資料是2023年的總開戶數才31606人 |
| transcript.whisperx[17].start |
429.85 |
| transcript.whisperx[17].end |
437.335 |
| transcript.whisperx[17].text |
就是說你的覆蓋率差不多33%而已就是差不多只有33%的有資格的人來開戶而已這個覆蓋率辦了9年院長 |
| transcript.whisperx[18].start |
441.358 |
| transcript.whisperx[18].end |
456.605 |
| transcript.whisperx[18].text |
這樣子是不是這個覆蓋率有值得檢討的地方所以我們那天就在檢討希望有一個更大宏觀的方向來對年輕人做更多的照顧從這個制度來檢討未來怎麼改變先不談就從這個檢討開始過去9年我們先檢討嘛過去9年為什麼他的覆蓋率開戶數會這麼低呢 |
| transcript.whisperx[19].start |
465.205 |
| transcript.whisperx[19].end |
481.947 |
| transcript.whisperx[19].text |
跟委員報告當然他一開始我們先跟委員報告一個背景之下就是目前開戶數大概是這樣沒有錯但是有開戶之後能夠持續繳的那個是我下一個問題持續率是下一個問題我現在只光講開戶數就太低了吧 |
| transcript.whisperx[20].start |
483.327 |
| transcript.whisperx[20].end |
508.637 |
| transcript.whisperx[20].text |
對 這就是我們接下來要去檢討他的開戶數確實有一些問題弱勢家庭他本身的現金流他的負擔這是一個問題我本來就以中立收入戶你看我每個月存款這是一個問題第二個就是你的申請後續這些資料其實整個辦理手續對這些弱勢家庭而言他本身的行政負擔 |
| transcript.whisperx[21].start |
509.577 |
| transcript.whisperx[21].end |
536.226 |
| transcript.whisperx[21].text |
也是很大就是說他個人除非社工的輔導否則他個人是要辦理這個是很困難那另外這個社工的能量當然也是個問題各縣市政府社工的能量跟他的這個推動的這個力道都有差我來看各縣市的差距我們剛剛講整體來講是33%但是你看到嘉義市他的開戶率達到八成 |
| transcript.whisperx[22].start |
538.922 |
| transcript.whisperx[22].end |
562.631 |
| transcript.whisperx[22].text |
但是很多縣市根本就連五成都不到那就各縣市都有這些差距為什麼各縣市有這樣的差距這個請部長是不是你了不了解這個我們可能要詳細的再去了解各縣市的差異不過這個積極度當然也是你們要去掌握啦要掌握這個各縣市為什麼有這些差距它是這個其實齁 |
| transcript.whisperx[23].start |
564.045 |
| transcript.whisperx[23].end |
589.779 |
| transcript.whisperx[23].text |
每一個地方在推動的力道都不一樣有的他加了很多獎勵加一線為什麼能夠到八成因為他本身就加了很多福利點數在你開戶的同時他又給你加福利點數等等提供其他的獎勵跟誘因所以他的開戶率比較高所以剛剛講說這是開戶率的問題接著剛剛部長就提到了你的持續儲蓄率到底多高 |
| transcript.whisperx[24].start |
591.771 |
| transcript.whisperx[24].end |
603.721 |
| transcript.whisperx[24].text |
我看到你們的資料我看到的資料啦你們這是這個113年因為你們好像四年檢討一次嘛所以我現在看到的你們的書面資料是113年113年你們說堅持繼續存款的總共有3763人這個數字在那時候對吧 |
| transcript.whisperx[25].start |
613.904 |
| transcript.whisperx[25].end |
630.726 |
| transcript.whisperx[25].text |
我們的數字是持續的可以到8乘5的維持率8乘5就是說開戶的這個股票有持續持續的有到8成那這個我看到的這個因為你們那時候是搭配獎勵 |
| transcript.whisperx[26].start |
632.208 |
| transcript.whisperx[26].end |
654.293 |
| transcript.whisperx[26].text |
因為這個這個我們這個這個兒少這個教育發展帳戶條例裡面授權授權讓我們這個你們授權制定了一個叫做獎勵開戶人的存款辦法所以你們有除了這個這個一開始政府幫你存以外你們如果符合這個持續三年不間斷的話你們另外有獎勵金另外有獎勵金那這樣子的制度這個這個 |
| transcript.whisperx[27].start |
657.793 |
| transcript.whisperx[27].end |
663.559 |
| transcript.whisperx[27].text |
我們在這個獎勵金之下其實我們的持續率也才如果按照部長講才到八成而已 |
| transcript.whisperx[28].start |
664.332 |
| transcript.whisperx[28].end |
688.548 |
| transcript.whisperx[28].text |
才到八成我個人認為說這個這個對於這個家庭儲蓄能力比較弱的現行的這個開戶金跟三年的獎勵金他的誘因我個人認為還是有限的應該是不是能夠研議這些相關的這些公益是不是能夠引進民間的力量做公益的配對或者是這個我們這個還有一個很重要的就是對金融觀念金融教育 |
| transcript.whisperx[29].start |
689.485 |
| transcript.whisperx[29].end |
717.919 |
| transcript.whisperx[29].text |
的問題我們剛剛在講這個開戶率的部分其實它也牽涉其實這個我們目前教育部好像沒有在這個我們的教育部學校沒有在我們這個推廣的這個一個環節裡面這我認為這些兒童跟少年他接觸最多的就是學校如何跟教育部來合作請教育部在過程裡面在推廣的過程裡面從學校來做我覺得這也是很重要 |
| transcript.whisperx[30].start |
719.226 |
| transcript.whisperx[30].end |
725.986 |
| transcript.whisperx[30].text |
那這個這個牽涉到發布會的資源整合我是我我我 |
| transcript.whisperx[31].start |
727.628 |
| transcript.whisperx[31].end |
753.529 |
| transcript.whisperx[31].text |
最後剛剛這個院長有提到說我們有開會也在討論是不是能夠把這個目前限於低收入戶、中低收入戶跟這些失業而燒的部分能夠擴大能夠擴大讓這個資格能夠做更寬廣的照顧面那我們來接近我們就看這個現在美國最大家最清楚的那個跟我們這個非常類似 |
| transcript.whisperx[32].start |
753.969 |
| transcript.whisperx[32].end |
778.845 |
| transcript.whisperx[32].text |
叫做川普帳戶這個我們部長應該知道了他們就是你一個一個從這個2025年出生的嬰兒一出生聯邦政府就提供一千美元來幫你買啟動你的資金政府就每一個新生兒就一千美元 |
| transcript.whisperx[33].start |
780.109 |
| transcript.whisperx[33].end |
808.954 |
| transcript.whisperx[33].text |
1000美元大概差不多3.2萬按照現在的匯率那這樣子之後他也是到18年之後18歲之後可以開始啟動但在他的過程裡面我們的是儲蓄他們的是直接就是基金的操作就是讓你這個用低成本的這些共同基金還有這個追蹤指數的ETF他們就是限定這些項目就開始進行投資 |
| transcript.whisperx[34].start |
811.048 |
| transcript.whisperx[34].end |
837.876 |
| transcript.whisperx[34].text |
這樣子但是更重要的一個就是說美國他是川普這樣跟我們最大的區別就是他是普惠性的他沒有限於收入狀況怎麼樣清寒中低收入低收入他沒有他全面性的做普惠性的這樣子的帳戶的設置那其實韓國跟新加坡也有類似的制度韓國跟新加坡他也是類似他也是這種普惠性的制度 |
| transcript.whisperx[35].start |
838.956 |
| transcript.whisperx[35].end |
858.914 |
| transcript.whisperx[35].text |
那我就是在最後這一點時間我希望院長我們是不是能夠把目前我們這樣子的這個兒童少年的這些這樣子的帳戶的做法是不是能夠跳脫出我們現在我們這樣這種做法是救濟性質的而不是普惠性質的是不是能夠把這種救濟性質的帳戶我們 |
| transcript.whisperx[36].start |
862.095 |
| transcript.whisperx[36].end |
877.769 |
| transcript.whisperx[36].text |
這個牽涉到很多單位包括主計包括我們的這些我們未來的這些財務規劃經濟部金管會財政部衛福部這些單位應該由院長來整合我們來研究看看是不是能夠朝普惠的方向來走 |
| transcript.whisperx[37].start |
880.372 |
| transcript.whisperx[37].end |
898.308 |
| transcript.whisperx[37].text |
謝謝委員如果基於整個經濟情勢的改變 變化還有國家財政能力的逐漸的往上提升再加上我們很多的金融商品逐漸的有創新那我們現在在比較處於退休那一波已經有所謂的TISA 台灣版的TISA |
| transcript.whisperx[38].start |
899.369 |
| transcript.whisperx[38].end |
917.387 |
| transcript.whisperx[38].text |
再來就是我們對年輕人兒少政府權力支柱的這個方向也不會變在幾個原則底下就是我們之前在討論的跟宏觀的來考慮到說對出生到他年輕成長出社會的這段時間如果給他一個可以有金融 |
| transcript.whisperx[39].start |
918.268 |
| transcript.whisperx[39].end |
943.237 |
| transcript.whisperx[39].text |
教育知識這個不只是對年輕人的支持其實這樣子的做法像美國他川普政府他其實也是針對少子化的問題在做一個解決出發點也是在這裡鼓勵大家能夠多生小孩政府用家庭支持用政府支持來協助每個小孩的快樂成長所以希望院長能夠朝這個普惠性的方向我們來研議召集這些單位來做 好不好好的 謝謝謝謝沈發慧委員的質詢 |