| IVOD_ID |
165272 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/165272 |
| 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 |
2025-11-12T11:14:46+08:00 |
| 結束時間 |
2025-11-12T11:23:00+08:00 |
| 影片長度 |
00:08:14 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/a35f0de19abcdbe3f3961f9d90974bb8906ee7c1e9a76e5aa983a902744326175a7e32037ed90a385ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
顏寬恒 |
| 委員發言時間 |
11:14:46 - 11:23:00 |
| 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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主席各位委員同事各位列席觀眾大家好主席有請金管會彭主委請彭主委 |
| transcript.whisperx[1].start |
21.386 |
| transcript.whisperx[1].end |
43.303 |
| transcript.whisperx[1].text |
主委好請教主委上個星期衛福部宣布將調整補充保費將利息 股利 租金等補充保費從現行的每月結算改採年度計算一年累計逾兩萬就要收取此外還有單筆扣繳上限一千萬提高到五千萬高額獎金 |
| transcript.whisperx[2].start |
45.598 |
| transcript.whisperx[2].end |
70.499 |
| transcript.whisperx[2].text |
扣費門檻調整為最低工資4倍那社保師估計影響高達480萬人那高額這個最快就是116年就要上路結果這個一公佈7個小時就髮夾彎大轉彎行政院長也丟包啦就這個收回這個政策那衛福部 |
| transcript.whisperx[3].start |
71.894 |
| transcript.whisperx[3].end |
90.713 |
| transcript.whisperx[3].text |
竟然說他們沒有告知金管會這麼重大的一個政策理由是說他們認為台灣股市不錯他們認為不會影響到太多所以他們只是請教財務專家而已但是主委身為中華民國 |
| transcript.whisperx[4].start |
94.324 |
| transcript.whisperx[4].end |
105.197 |
| transcript.whisperx[4].text |
掌管所有投資人相關事務的金管會竟然沒有被告知要修這個法是衛福部自己的主意自己的想法還是後面是什麼樣的打算 |
| transcript.whisperx[5].start |
108.476 |
| transcript.whisperx[5].end |
133.127 |
| transcript.whisperx[5].text |
沒有告知我們今晚會是衛福部故意這麼做還是不把我們今晚會放在眼裡請主委說明一下當然不是我想石部長他在要改革健保制度那我覺得他確實也是承擔了很大很大的責任因為他自己主政我能體會而且他也解釋了就是說這個過程實際上還在討論中 |
| transcript.whisperx[6].start |
134.387 |
| transcript.whisperx[6].end |
160.374 |
| transcript.whisperx[6].text |
所以這個沒有跟我們溝通也不是說最後的定案我想我剛才提到委員就是說我們是資本市場的監理者我們捍衛是整個市場的公平性跟透明度我想這部分的話我們會把我們對於這件事情的專業的影響跟可能的項目會是什麼會跟衛福部做充分的說明 |
| transcript.whisperx[7].start |
161.535 |
| transcript.whisperx[7].end |
180.57 |
| transcript.whisperx[7].text |
完全沒有跟金管會來做橫向的溝通對不對 那就都要公佈結果七個小時就馬上收回成命這樣子真的是太不應該了那我想金管會一定要積極的捍衛投資人的權益更重要的就是要主動去這樣子做一些部會的溝通不然他們說財務專家是什麼專家 |
| transcript.whisperx[8].start |
184.052 |
| transcript.whisperx[8].end |
201.648 |
| transcript.whisperx[8].text |
是未到來的何方神聖大家說來者好行所以讓民眾無法接受所以說這個部分再請主委多注意好不好是再請教主委普惠金融的這個核心精神是金融服務不該是少數人的特權 |
| transcript.whisperx[9].start |
202.668 |
| transcript.whisperx[9].end |
228.031 |
| transcript.whisperx[9].text |
對 應該普惠於全民是的 應該是以合理成本安全便捷的取得基本金融服務但實際上我們這些銀髮族就是長者族群或者是偏鄉的這些地區居民他們面臨到許多障礙比如說像部分的老年人口他們連手機都可能還是傳統的那種這種翻蓋 掀蓋型的手機 |
| transcript.whisperx[10].start |
229.412 |
| transcript.whisperx[10].end |
252.229 |
| transcript.whisperx[10].text |
可能也不知道要怎麼樣去提款卡去提款機領錢還要借助子女的幫忙如果假設子女因為工作或不在身邊那他就可能就沒有辦法去操作更何況是現在很多複雜的數位帳戶還有這些行動支付金融工具對長者來說是更加的困難所以對於 |
| transcript.whisperx[11].start |
253.883 |
| transcript.whisperx[11].end |
269.251 |
| transcript.whisperx[11].text |
數位帳戶的管理跟操作他們特別感到陌生使他們在使用這些金融服務的時候會產生抗拒所以說我想很容易因為這樣子的關係所以他對這些金融資訊就沒辦法掌握 |
| transcript.whisperx[12].start |
270.131 |
| transcript.whisperx[12].end |
297.993 |
| transcript.whisperx[12].text |
那很容易就會變成詐騙集團的對象然後趁虛而入那所以我看尤其是我看了一下我們在地方我們這些社區的社區大學他們一些課程完全沒有跟金融教育相關的課程所以我在這邊就是說想要建立金管會就是說針對我們這些有心想要學習金融相關知識的長者社區的長者因為沒有管道嘛那可不可以我們新闢一個管道就是說跟我們地方政府 |
| transcript.whisperx[13].start |
299.814 |
| transcript.whisperx[13].end |
327.497 |
| transcript.whisperx[13].text |
來或者是社區大學來研究開闢有關於這種高齡者金融安全的課程可不可以主委這是一個很好的建議就是說其實我們過去也有跟地方政府做合作只是說剛剛委員提到社區大學常態性的去做這些課程我想這個可能是讓我們在地鄉親能夠更便利的去參與我想這個很謝謝委員的建議我會請我們的相關單位在做金融知識推廣的時候把這個納入考慮 |
| transcript.whisperx[14].start |
328.157 |
| transcript.whisperx[14].end |
347.39 |
| transcript.whisperx[14].text |
好的再請主委一定要把放心事放在這個地方再來我再請教因為時間有限我認為說我國的普惠金融方面還有很多挑戰根據經濟部發布的2024年中小企業白筆書我國中小企業加速在2023年突破了167.4萬創歷史新高佔全體企業達98%以上就業人口數916萬7千人佔全體就業人口數近八成 |
| transcript.whisperx[15].start |
359.498 |
| transcript.whisperx[15].end |
370.767 |
| transcript.whisperx[15].text |
銷售金額超過28兆佔整體企業銷售額比重五成以上可以說我們台灣的護國神山就是我們這些中小企業中小企業 |
| transcript.whisperx[16].start |
375.75 |
| transcript.whisperx[16].end |
400.975 |
| transcript.whisperx[16].text |
經濟市場非常的重要但是我們中小企業取得資金的成本相較於一般自然人還有這些大型企業比較高高出很多那大型企業跟中小企業的這個資他們之間的這種資金濃通的管道落差很大但是中小企業扮演著非常重要的角色所以我認為說金管會應該更重視中小企業這個籌措力薄弱的問題 |
| transcript.whisperx[17].start |
401.795 |
| transcript.whisperx[17].end |
418.133 |
| transcript.whisperx[17].text |
對於中小企業未來能夠有效受惠的方法跟政策主委你有什麼樣的建議呢其實中小企業的融資還有這些的資助一直都是金融監理政策很重要的一環剛剛早上也有其他委員提到因為 |
| transcript.whisperx[18].start |
418.934 |
| transcript.whisperx[18].end |
433.421 |
| transcript.whisperx[18].text |
我們大部分的金融機構都是盈利機構居多所以它當然會如果說沒有做任何的這些的輔助跟管制的情況之下他們都會很正常的會主要以容易做獲利高的這個作為一個 |
| transcript.whisperx[19].start |
434.801 |
| transcript.whisperx[19].end |
459.236 |
| transcript.whisperx[19].text |
主要對象但是剛才委員提到沒有錯中小企業是我們整個企業的骨幹我有跟委員報告就是說我們過去金管會在過去20年來每年都推出計畫去促進金融業鼓勵金融業去加大對中小企業的支持剛好早上委員提到就是20年前我們大概這個比重大概是35對65就是對中小企業的放款大概占35對非中小企業大概占65現在20年後這次翻轉過來 |
| transcript.whisperx[20].start |
461.758 |
| transcript.whisperx[20].end |
481.749 |
| transcript.whisperx[20].text |
就是我們的銀行的放款裡面對中小企業的放款的比重是提高到了大概六成多對其他的反而是到三四成這個是一個好的現象但是實際上中小企業差距也很大我們也知道有些困難的很困難所以才會有一些像信保機制或很多東西的方式我們來支持這樣 |
| transcript.whisperx[21].start |
482.389 |
| transcript.whisperx[21].end |
492.699 |
| transcript.whisperx[21].text |
好 主委我們一起來努力好不好是 一定的台灣的中產企業來給他們最大的一個鼓勵跟一些實質有效的一些政策好 謝謝謝謝委員 謝謝 |