| IVOD_ID |
165233 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/165233 |
| 日期 |
2025-11-12 |
| 會議資料.會議代碼 |
委員會-11-4-20-7 |
| 會議資料.會議代碼:str |
第11屆第4會期財政委員會第7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 |
7 |
| 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7次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-11-12T09:11:26+08:00 |
| 結束時間 |
2025-11-12T09:22:15+08:00 |
| 影片長度 |
00:10:49 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/a35f0de19abcdbe39ff47acb371395c9906ee7c1e9a76e5a4cf7b889f21dc7b789e2bfcd57ebc68f5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
林德福 |
| 委員發言時間 |
09:11:26 - 09:22:15 |
| 會議時間 |
2025-11-12T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第4會期財政委員會第7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就「推動普惠金融與金融科技概況及相關措施」進行專題報告，並備質詢。） |
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第一位的林德福委員質詢謝謝 謝謝主席是不是請那個金管會彭主委好 請彭主委 |
| transcript.whisperx[1].start |
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委員長主委你好那個我想原本傳出這個衛福部明年將修法就是有關於健保補充費打算把租金利息還有鼓勵所得或收入的部分改採年度來計算一年累計超過2萬元就會收取2.11%補充保費那結果沒有隔多久因為行政院就出面來滅火 |
| transcript.whisperx[2].start |
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那暫緩規劃 主委當天政局署密被問到這件事回答我們也是才剛看到這個版本那會了解是否對股民有影響再與衛福部來溝通 |
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請問那個主委你認為這個食從糧食部長對補充保惠的言論真的是無地放肆嗎還是有目的性的釋出政策的風向球我想我也 |
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我也不方便替衛福部部長回答這問題不過他們已經在很多的場合已經做公開的說明這是還在政策演繹中我們金管會當然會本於我們的職權提供我們專業的意見未來如果還繼續討論的話我們會提供我們的意見給衛福部參考主委啊因為衛福部對於跨部會性質的政策擅自提出看法不論有沒有目的請問你認為這樣適當嗎 |
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我想任何的溝通都是必要的啦因為尤其是很多的問題其實非常的複雜我們也希望能夠把這個制度做得盡善盡美我想外部部有他專業的考量但是我說假設涉及到資本市場的話我們非常樂意也非常也必須要提供一些必要的訊息 |
| transcript.whisperx[6].start |
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| transcript.whisperx[6].text |
對啊 因為這個要跨部會而且這個要跨部會研究以後到底適不適當再來提出來結果如果是你的話你會採取這種方式嗎 |
| transcript.whisperx[7].start |
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| transcript.whisperx[7].text |
我剛剛跟委員報告過了任何的政策就是要應該要多多的溝通因為其實很多很複雜希望能夠盡善盡美我想這是我們在執行這些的時候我們大概至少我覺得這是應該多溝通把各種的狀況多了解應該會做出更實時需要的政策 |
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168.018 |
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又或者這次的補充法會提出年度採記的這種言論衛福部是不是已經啊你認為有沒有涉及到政交法第155條第一項第6款的行為 |
| transcript.whisperx[9].start |
183.072 |
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禁止的違反因為金管會是不是會以股市突應的標準去判斷有沒有違法存在你的看法呢我想委員剛剛講其實這個事情我想衛福部他已經做過很多的說明他還是在政策研議的過程當中那我想這部分是因為他已經做這個說明剛剛委員提到115的話他有很認定的非常複雜的這樣的一個條件我想這應該是不至於啦 |
| transcript.whisperx[10].start |
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主委如果按照衛福部長現任政務委員過去的陳時中的說法事實上檢討健保補充保費調整課徵早就不是秘密換句話說恐怕未來勢在必行補充保費的改革規劃陳時中說制度需要精算討論 |
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必然要思考 額度 兼顧它的量能互惠以這個傑戶濟貧的精神調整才有意義那我請問主委以您對股市投資獲利的了解你認為有辦法能夠明確區別誰是貧 誰是戶嗎有沒有辦法 |
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我想我們從資本市場來看剛剛委員提到就是有關健保財務的問題這不是我們金管會的專業啦所以我們也沒辦法待會說明剛剛講任何一件比如說這樣對於我們的交易行為的這些判斷有影響當然只是說有影響影響有多大這件事情我覺得都要經過深入的評估才會知道主委換句話說考量統計總所得調高門檻到一定的程度就一定能夠 |
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判斷出他合理的標準嗎因您看法呢我想這個 |
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這樣齁 主委 |
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金管會推動普惠金融也參考G20普惠金融指標體系建制國內普惠金融衡量以及觀察指標 |
| transcript.whisperx[16].start |
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| transcript.whisperx[16].text |
那我請問主委如果從指標結果所代表的數據內容你認為國內普惠金融和國外普惠金融推動上有沒有什麼差異之處我想普惠金融是一個概念根據不同的地區國家它有不一樣它落實的地方 |
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像比如說我過去研究很多的像有關的微型保險的部分他其實各個國家在做這個事雖然都是叫做微型保險但他做的方法完全不同使用的場景完全不同那我想這是一個概念希望我們的金融服務能夠讓每一個不同的群體都能夠得到公平的對待我想是要精神是這樣每個國家是不太一樣 |
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主委因為推動普惠金融的核心目標就是要讓社會上所有階層特別是弱勢群體這個農村地區和微小企業都能夠平等享有整個金融的服務以促進整個經濟的成長創造就業機會和提升社會的福祉那我請問主委你認為台灣在普惠金融推動上做 |
| transcript.whisperx[19].start |
409.4 |
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做得最好的是哪方面你認為呢我想普惠金融其實我覺得最近這幾年來觀察不管是我們的保險業還有就是銀行業其實還有我們的證券相關產業對這個都非常的重視比如說我剛才講剛才提到就是我們整個在交易的部分我們對各種的投資人越來越友善像比如說我們的保險部分 |
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各家公司都很主動的推出很多的這樣一個保險包括像很多的投保的方式更為友善還就是像微型保險小兒中老保險這些都是像銀行在各個地方偏鄉地方所提供的服務我想還有對一些弱勢群體所做的努力我們每年去看的結果都覺得銀行真的非常用心但是還是很多努力的方向對 你有帶加強的部分有哪些你認為呢 |
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其實我們像我們最近常常每年我們大概都會跟一些我們的各種帳別的團體去我們的銀行的據點去看比如說他們很多地方小地方因為我們是正常人我們很難理解他們的需求像這一部分我覺得每年都有進步但是每年有進步代表說其實未來都還有進步的空間像剛才講像我們今年小兒中老保險我們的微型保險有納入我們的新住民其實我們看到社會的變遷有關注到其他的需求我們就把它納入 |
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會一直持續來做這樣喔那請問主委推動普惠金融你認為要建立在哪些條件上才能夠發揮減少貧富差距的功能呢我覺得最重要還是一個同理心就是因為我們大部分的金融機構都是盈利事業盈利事業會以業績獲利為主要的考量 |
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506.261 |
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通常這些普惠金融對象都不是他主要的課程這往往很容易在他們經營策略上被忽略所以這時候就必須要政策的來觸發跟觸動他們做這件事情 |
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516.65 |
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537.709 |
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主委事實上以本席的認知在國內目前要讓普惠金融深化更多數的民眾首要解決的問題就是無所不在的詐騙方式和手段主委按照銀行局長童振章的說法金融主詐已經射出五箭 |
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540.672 |
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包含科技主柵、精純主柵、協力主柵、臨櫃主柵、責任主柵藉由全力做好來阻止張款流向面的金流方向 |
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557.287 |
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570.952 |
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以做到精準打擊詐騙的目標那我請問主委目前阻止詐騙的五件你認為有沒有發揮預期的功能性有沒有我想跟委員報告其實銀行端最在意的就是我們警示帳戶的成長率 |
| transcript.whisperx[27].start |
572.512 |
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594.051 |
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我們從今年到六月平均每年每個月都還持續成長大概三千件左右但是我們從九月開始已經看到了負成長我覺得這也是說這是我們過去這麼多年來監控首次的負成長代表我們這些詐騙的賬戶在減緩減少中我想這也是銀行還有大家努力的一個成果 |
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594.912 |
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因為那個主委隨著金融環境提升的普惠金融你認為金融主詐未來是不是仍舊有加強或升級的必要有沒有我想這個主詐永遠沒有止境只要有詐騙我們要全力來做方法我們要絕對來持續的優化因為我們也看到社會很多的責難說這些銀行在做主詐的時候就是有過度的部分這我們也是非常非常關注我們要求銀行要持續來做 |
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623.2 |
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649.288 |
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希望這方面能夠加強那當然當然各方面要合作啦其實像那個數位發展部我認為一點功能都沒有一年花那麼多錢那你這個中華民國台灣啊讓人家最最不能就接受的就是變成人家外公的叫做詐騙王國這個是很可恥的很可笑的真的要好好的檢討是是我們一起努力對謝謝謝謝委員 |