| IVOD_ID |
166079 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/166079 |
| 日期 |
2025-12-03 |
| 會議資料.會議代碼 |
委員會-11-4-20-10 |
| 會議資料.會議代碼:str |
第11屆第4會期財政委員會第10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 |
10 |
| 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10次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-12-03T09:25:28+08:00 |
| 結束時間 |
2025-12-03T09:37:23+08:00 |
| 影片長度 |
00:11:55 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/d5a4ce084af309d6fbbd837e182abe9109a18256bf6bdfebab4060e56b945967cf300a208d967c955ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
吳秉叡 |
| 委員發言時間 |
09:25:28 - 09:37:23 |
| 會議時間 |
2025-12-03T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第4會期財政委員會第10次全體委員會議（事由：審查本院委員蔡易餘等16人、委員牛煦庭等26人分別擬具「銀行法第一百二十五條及第一百二十五條之四條文修正草案」等2案。） |
| transcript.pyannote[0].speaker |
SPEAKER_00 |
| transcript.pyannote[0].start |
0.09846875 |
| transcript.pyannote[0].end |
1.19534375 |
| transcript.pyannote[1].speaker |
SPEAKER_00 |
| transcript.pyannote[1].start |
4.21596875 |
| transcript.pyannote[1].end |
4.23284375 |
| transcript.pyannote[2].speaker |
SPEAKER_01 |
| transcript.pyannote[2].start |
4.23284375 |
| transcript.pyannote[2].end |
4.36784375 |
| transcript.pyannote[3].speaker |
SPEAKER_00 |
| transcript.pyannote[3].start |
4.36784375 |
| transcript.pyannote[3].end |
4.75596875 |
| transcript.pyannote[4].speaker |
SPEAKER_01 |
| transcript.pyannote[4].start |
5.34659375 |
| transcript.pyannote[4].end |
6.08909375 |
| transcript.pyannote[5].speaker |
SPEAKER_01 |
| transcript.pyannote[5].start |
6.64596875 |
| transcript.pyannote[5].end |
7.18596875 |
| transcript.pyannote[6].speaker |
SPEAKER_01 |
| transcript.pyannote[6].start |
7.82721875 |
| transcript.pyannote[6].end |
9.32909375 |
| transcript.pyannote[7].speaker |
SPEAKER_01 |
| transcript.pyannote[7].start |
9.83534375 |
| transcript.pyannote[7].end |
14.99909375 |
| transcript.pyannote[8].speaker |
SPEAKER_01 |
| transcript.pyannote[8].start |
15.52221875 |
| transcript.pyannote[8].end |
17.73284375 |
| transcript.pyannote[9].speaker |
SPEAKER_01 |
| transcript.pyannote[9].start |
18.10409375 |
| transcript.pyannote[9].end |
21.07409375 |
| transcript.pyannote[10].speaker |
SPEAKER_01 |
| transcript.pyannote[10].start |
21.51284375 |
| transcript.pyannote[10].end |
24.78659375 |
| transcript.pyannote[11].speaker |
SPEAKER_01 |
| transcript.pyannote[11].start |
25.14096875 |
| transcript.pyannote[11].end |
27.19971875 |
| transcript.pyannote[12].speaker |
SPEAKER_01 |
| transcript.pyannote[12].start |
27.53721875 |
| transcript.pyannote[12].end |
29.93346875 |
| transcript.pyannote[13].speaker |
SPEAKER_01 |
| transcript.pyannote[13].start |
30.38909375 |
| transcript.pyannote[13].end |
31.36784375 |
| transcript.pyannote[14].speaker |
SPEAKER_01 |
| transcript.pyannote[14].start |
31.63784375 |
| transcript.pyannote[14].end |
31.65471875 |
| transcript.pyannote[15].speaker |
SPEAKER_00 |
| transcript.pyannote[15].start |
31.65471875 |
| transcript.pyannote[15].end |
31.82346875 |
| transcript.pyannote[16].speaker |
SPEAKER_01 |
| transcript.pyannote[16].start |
32.05971875 |
| transcript.pyannote[16].end |
37.15596875 |
| transcript.pyannote[17].speaker |
SPEAKER_00 |
| transcript.pyannote[17].start |
37.40909375 |
| transcript.pyannote[17].end |
41.64471875 |
| transcript.pyannote[18].speaker |
SPEAKER_01 |
| transcript.pyannote[18].start |
42.13409375 |
| transcript.pyannote[18].end |
43.16346875 |
| transcript.pyannote[19].speaker |
SPEAKER_01 |
| transcript.pyannote[19].start |
43.60221875 |
| transcript.pyannote[19].end |
44.54721875 |
| transcript.pyannote[20].speaker |
SPEAKER_01 |
| transcript.pyannote[20].start |
44.93534375 |
| transcript.pyannote[20].end |
45.44159375 |
| transcript.pyannote[21].speaker |
SPEAKER_01 |
| transcript.pyannote[21].start |
46.33596875 |
| transcript.pyannote[21].end |
47.51721875 |
| transcript.pyannote[22].speaker |
SPEAKER_01 |
| transcript.pyannote[22].start |
48.69846875 |
| transcript.pyannote[22].end |
50.35221875 |
| transcript.pyannote[23].speaker |
SPEAKER_01 |
| transcript.pyannote[23].start |
50.77409375 |
| transcript.pyannote[23].end |
54.57096875 |
| transcript.pyannote[24].speaker |
SPEAKER_01 |
| transcript.pyannote[24].start |
54.87471875 |
| transcript.pyannote[24].end |
55.71846875 |
| transcript.pyannote[25].speaker |
SPEAKER_00 |
| transcript.pyannote[25].start |
56.20784375 |
| transcript.pyannote[25].end |
57.64221875 |
| transcript.pyannote[26].speaker |
SPEAKER_00 |
| transcript.pyannote[26].start |
57.74346875 |
| transcript.pyannote[26].end |
63.80159375 |
| transcript.pyannote[27].speaker |
SPEAKER_01 |
| transcript.pyannote[27].start |
64.22346875 |
| transcript.pyannote[27].end |
64.94909375 |
| transcript.pyannote[28].speaker |
SPEAKER_01 |
| transcript.pyannote[28].start |
66.16409375 |
| transcript.pyannote[28].end |
69.50534375 |
| transcript.pyannote[29].speaker |
SPEAKER_00 |
| transcript.pyannote[29].start |
69.69096875 |
| transcript.pyannote[29].end |
75.66471875 |
| transcript.pyannote[30].speaker |
SPEAKER_01 |
| transcript.pyannote[30].start |
76.01909375 |
| transcript.pyannote[30].end |
77.94284375 |
| transcript.pyannote[31].speaker |
SPEAKER_00 |
| transcript.pyannote[31].start |
78.21284375 |
| transcript.pyannote[31].end |
80.64284375 |
| transcript.pyannote[32].speaker |
SPEAKER_01 |
| transcript.pyannote[32].start |
81.09846875 |
| transcript.pyannote[32].end |
83.83221875 |
| transcript.pyannote[33].speaker |
SPEAKER_01 |
| transcript.pyannote[33].start |
84.79409375 |
| transcript.pyannote[33].end |
85.41846875 |
| transcript.pyannote[34].speaker |
SPEAKER_01 |
| transcript.pyannote[34].start |
85.97534375 |
| transcript.pyannote[34].end |
88.16909375 |
| transcript.pyannote[35].speaker |
SPEAKER_00 |
| transcript.pyannote[35].start |
88.43909375 |
| transcript.pyannote[35].end |
88.72596875 |
| transcript.pyannote[36].speaker |
SPEAKER_01 |
| transcript.pyannote[36].start |
88.86096875 |
| transcript.pyannote[36].end |
91.03784375 |
| transcript.pyannote[37].speaker |
SPEAKER_01 |
| transcript.pyannote[37].start |
91.76346875 |
| transcript.pyannote[37].end |
92.62409375 |
| transcript.pyannote[38].speaker |
SPEAKER_01 |
| transcript.pyannote[38].start |
93.09659375 |
| transcript.pyannote[38].end |
93.82221875 |
| transcript.pyannote[39].speaker |
SPEAKER_00 |
| transcript.pyannote[39].start |
93.94034375 |
| transcript.pyannote[39].end |
94.31159375 |
| transcript.pyannote[40].speaker |
SPEAKER_01 |
| transcript.pyannote[40].start |
94.44659375 |
| transcript.pyannote[40].end |
95.39159375 |
| transcript.pyannote[41].speaker |
SPEAKER_01 |
| transcript.pyannote[41].start |
95.72909375 |
| transcript.pyannote[41].end |
97.45034375 |
| transcript.pyannote[42].speaker |
SPEAKER_01 |
| transcript.pyannote[42].start |
98.32784375 |
| transcript.pyannote[42].end |
99.89721875 |
| transcript.pyannote[43].speaker |
SPEAKER_01 |
| transcript.pyannote[43].start |
100.70721875 |
| transcript.pyannote[43].end |
103.28909375 |
| transcript.pyannote[44].speaker |
SPEAKER_00 |
| transcript.pyannote[44].start |
100.75784375 |
| transcript.pyannote[44].end |
101.09534375 |
| transcript.pyannote[45].speaker |
SPEAKER_01 |
| transcript.pyannote[45].start |
103.55909375 |
| transcript.pyannote[45].end |
106.14096875 |
| transcript.pyannote[46].speaker |
SPEAKER_00 |
| transcript.pyannote[46].start |
106.22534375 |
| transcript.pyannote[46].end |
106.44471875 |
| transcript.pyannote[47].speaker |
SPEAKER_00 |
| transcript.pyannote[47].start |
107.13659375 |
| transcript.pyannote[47].end |
120.87284375 |
| transcript.pyannote[48].speaker |
SPEAKER_01 |
| transcript.pyannote[48].start |
121.27784375 |
| transcript.pyannote[48].end |
127.57221875 |
| transcript.pyannote[49].speaker |
SPEAKER_01 |
| transcript.pyannote[49].start |
128.09534375 |
| transcript.pyannote[49].end |
130.55909375 |
| transcript.pyannote[50].speaker |
SPEAKER_01 |
| transcript.pyannote[50].start |
130.59284375 |
| transcript.pyannote[50].end |
132.70221875 |
| transcript.pyannote[51].speaker |
SPEAKER_01 |
| transcript.pyannote[51].start |
133.05659375 |
| transcript.pyannote[51].end |
138.13596875 |
| transcript.pyannote[52].speaker |
SPEAKER_01 |
| transcript.pyannote[52].start |
139.18221875 |
| transcript.pyannote[52].end |
140.51534375 |
| transcript.pyannote[53].speaker |
SPEAKER_01 |
| transcript.pyannote[53].start |
140.95409375 |
| transcript.pyannote[53].end |
142.82721875 |
| transcript.pyannote[54].speaker |
SPEAKER_00 |
| transcript.pyannote[54].start |
142.82721875 |
| transcript.pyannote[54].end |
143.08034375 |
| transcript.pyannote[55].speaker |
SPEAKER_01 |
| transcript.pyannote[55].start |
143.08034375 |
| transcript.pyannote[55].end |
143.62034375 |
| transcript.pyannote[56].speaker |
SPEAKER_01 |
| transcript.pyannote[56].start |
143.97471875 |
| transcript.pyannote[56].end |
145.64534375 |
| transcript.pyannote[57].speaker |
SPEAKER_01 |
| transcript.pyannote[57].start |
145.86471875 |
| transcript.pyannote[57].end |
148.17659375 |
| transcript.pyannote[58].speaker |
SPEAKER_01 |
| transcript.pyannote[58].start |
148.51409375 |
| transcript.pyannote[58].end |
150.18471875 |
| transcript.pyannote[59].speaker |
SPEAKER_01 |
| transcript.pyannote[59].start |
150.52221875 |
| transcript.pyannote[59].end |
156.74909375 |
| transcript.pyannote[60].speaker |
SPEAKER_00 |
| transcript.pyannote[60].start |
156.74909375 |
| transcript.pyannote[60].end |
162.16596875 |
| transcript.pyannote[61].speaker |
SPEAKER_00 |
| transcript.pyannote[61].start |
162.33471875 |
| transcript.pyannote[61].end |
166.48596875 |
| transcript.pyannote[62].speaker |
SPEAKER_00 |
| transcript.pyannote[62].start |
166.68846875 |
| transcript.pyannote[62].end |
171.56534375 |
| transcript.pyannote[63].speaker |
SPEAKER_00 |
| transcript.pyannote[63].start |
172.07159375 |
| transcript.pyannote[63].end |
175.66596875 |
| transcript.pyannote[64].speaker |
SPEAKER_01 |
| transcript.pyannote[64].start |
175.96971875 |
| transcript.pyannote[64].end |
187.41096875 |
| transcript.pyannote[65].speaker |
SPEAKER_00 |
| transcript.pyannote[65].start |
184.06971875 |
| transcript.pyannote[65].end |
184.76159375 |
| transcript.pyannote[66].speaker |
SPEAKER_00 |
| transcript.pyannote[66].start |
187.41096875 |
| transcript.pyannote[66].end |
197.97471875 |
| transcript.pyannote[67].speaker |
SPEAKER_01 |
| transcript.pyannote[67].start |
187.88346875 |
| transcript.pyannote[67].end |
189.01409375 |
| transcript.pyannote[68].speaker |
SPEAKER_01 |
| transcript.pyannote[68].start |
197.48534375 |
| transcript.pyannote[68].end |
201.55221875 |
| transcript.pyannote[69].speaker |
SPEAKER_01 |
| transcript.pyannote[69].start |
202.31159375 |
| transcript.pyannote[69].end |
213.78659375 |
| transcript.pyannote[70].speaker |
SPEAKER_00 |
| transcript.pyannote[70].start |
204.96096875 |
| transcript.pyannote[70].end |
205.36596875 |
| transcript.pyannote[71].speaker |
SPEAKER_00 |
| transcript.pyannote[71].start |
213.46596875 |
| transcript.pyannote[71].end |
224.41784375 |
| transcript.pyannote[72].speaker |
SPEAKER_00 |
| transcript.pyannote[72].start |
224.97471875 |
| transcript.pyannote[72].end |
234.54284375 |
| transcript.pyannote[73].speaker |
SPEAKER_00 |
| transcript.pyannote[73].start |
235.77471875 |
| transcript.pyannote[73].end |
241.02284375 |
| transcript.pyannote[74].speaker |
SPEAKER_01 |
| transcript.pyannote[74].start |
240.43221875 |
| transcript.pyannote[74].end |
246.84471875 |
| transcript.pyannote[75].speaker |
SPEAKER_01 |
| transcript.pyannote[75].start |
247.58721875 |
| transcript.pyannote[75].end |
257.30721875 |
| transcript.pyannote[76].speaker |
SPEAKER_01 |
| transcript.pyannote[76].start |
257.89784375 |
| transcript.pyannote[76].end |
261.39096875 |
| transcript.pyannote[77].speaker |
SPEAKER_01 |
| transcript.pyannote[77].start |
261.86346875 |
| transcript.pyannote[77].end |
268.24221875 |
| transcript.pyannote[78].speaker |
SPEAKER_00 |
| transcript.pyannote[78].start |
267.61784375 |
| transcript.pyannote[78].end |
267.93846875 |
| transcript.pyannote[79].speaker |
SPEAKER_00 |
| transcript.pyannote[79].start |
268.24221875 |
| transcript.pyannote[79].end |
275.53221875 |
| transcript.pyannote[80].speaker |
SPEAKER_01 |
| transcript.pyannote[80].start |
273.23721875 |
| transcript.pyannote[80].end |
273.25409375 |
| transcript.pyannote[81].speaker |
SPEAKER_00 |
| transcript.pyannote[81].start |
275.93721875 |
| transcript.pyannote[81].end |
278.58659375 |
| transcript.pyannote[82].speaker |
SPEAKER_00 |
| transcript.pyannote[82].start |
278.95784375 |
| transcript.pyannote[82].end |
290.70284375 |
| transcript.pyannote[83].speaker |
SPEAKER_00 |
| transcript.pyannote[83].start |
291.07409375 |
| transcript.pyannote[83].end |
298.88721875 |
| transcript.pyannote[84].speaker |
SPEAKER_00 |
| transcript.pyannote[84].start |
299.05596875 |
| transcript.pyannote[84].end |
301.38471875 |
| transcript.pyannote[85].speaker |
SPEAKER_01 |
| transcript.pyannote[85].start |
302.29596875 |
| transcript.pyannote[85].end |
303.89909375 |
| transcript.pyannote[86].speaker |
SPEAKER_01 |
| transcript.pyannote[86].start |
304.15221875 |
| transcript.pyannote[86].end |
304.81034375 |
| transcript.pyannote[87].speaker |
SPEAKER_01 |
| transcript.pyannote[87].start |
305.18159375 |
| transcript.pyannote[87].end |
311.62784375 |
| transcript.pyannote[88].speaker |
SPEAKER_01 |
| transcript.pyannote[88].start |
312.15096875 |
| transcript.pyannote[88].end |
312.82596875 |
| transcript.pyannote[89].speaker |
SPEAKER_01 |
| transcript.pyannote[89].start |
313.29846875 |
| transcript.pyannote[89].end |
315.32346875 |
| transcript.pyannote[90].speaker |
SPEAKER_01 |
| transcript.pyannote[90].start |
316.08284375 |
| transcript.pyannote[90].end |
317.38221875 |
| transcript.pyannote[91].speaker |
SPEAKER_01 |
| transcript.pyannote[91].start |
317.68596875 |
| transcript.pyannote[91].end |
318.07409375 |
| transcript.pyannote[92].speaker |
SPEAKER_01 |
| transcript.pyannote[92].start |
318.09096875 |
| transcript.pyannote[92].end |
318.74909375 |
| transcript.pyannote[93].speaker |
SPEAKER_01 |
| transcript.pyannote[93].start |
319.89659375 |
| transcript.pyannote[93].end |
322.46159375 |
| transcript.pyannote[94].speaker |
SPEAKER_01 |
| transcript.pyannote[94].start |
323.10284375 |
| transcript.pyannote[94].end |
323.44034375 |
| transcript.pyannote[95].speaker |
SPEAKER_01 |
| transcript.pyannote[95].start |
324.13221875 |
| transcript.pyannote[95].end |
326.39346875 |
| transcript.pyannote[96].speaker |
SPEAKER_01 |
| transcript.pyannote[96].start |
326.89971875 |
| transcript.pyannote[96].end |
327.87846875 |
| transcript.pyannote[97].speaker |
SPEAKER_01 |
| transcript.pyannote[97].start |
328.23284375 |
| transcript.pyannote[97].end |
329.66721875 |
| transcript.pyannote[98].speaker |
SPEAKER_01 |
| transcript.pyannote[98].start |
330.03846875 |
| transcript.pyannote[98].end |
339.65721875 |
| transcript.pyannote[99].speaker |
SPEAKER_01 |
| transcript.pyannote[99].start |
340.18034375 |
| transcript.pyannote[99].end |
344.29784375 |
| transcript.pyannote[100].speaker |
SPEAKER_01 |
| transcript.pyannote[100].start |
345.15846875 |
| transcript.pyannote[100].end |
352.02659375 |
| transcript.pyannote[101].speaker |
SPEAKER_00 |
| transcript.pyannote[101].start |
351.89159375 |
| transcript.pyannote[101].end |
351.90846875 |
| transcript.pyannote[102].speaker |
SPEAKER_00 |
| transcript.pyannote[102].start |
351.92534375 |
| transcript.pyannote[102].end |
352.51596875 |
| transcript.pyannote[103].speaker |
SPEAKER_00 |
| transcript.pyannote[103].start |
352.70159375 |
| transcript.pyannote[103].end |
361.83096875 |
| transcript.pyannote[104].speaker |
SPEAKER_00 |
| transcript.pyannote[104].start |
362.13471875 |
| transcript.pyannote[104].end |
365.89784375 |
| transcript.pyannote[105].speaker |
SPEAKER_00 |
| transcript.pyannote[105].start |
366.25221875 |
| transcript.pyannote[105].end |
370.72409375 |
| transcript.pyannote[106].speaker |
SPEAKER_00 |
| transcript.pyannote[106].start |
371.11221875 |
| transcript.pyannote[106].end |
373.01909375 |
| transcript.pyannote[107].speaker |
SPEAKER_00 |
| transcript.pyannote[107].start |
373.45784375 |
| transcript.pyannote[107].end |
375.31409375 |
| transcript.pyannote[108].speaker |
SPEAKER_00 |
| transcript.pyannote[108].start |
375.70221875 |
| transcript.pyannote[108].end |
380.61284375 |
| transcript.pyannote[109].speaker |
SPEAKER_00 |
| transcript.pyannote[109].start |
381.33846875 |
| transcript.pyannote[109].end |
382.85721875 |
| transcript.pyannote[110].speaker |
SPEAKER_00 |
| transcript.pyannote[110].start |
383.31284375 |
| transcript.pyannote[110].end |
395.42909375 |
| transcript.pyannote[111].speaker |
SPEAKER_01 |
| transcript.pyannote[111].start |
388.03784375 |
| transcript.pyannote[111].end |
388.27409375 |
| transcript.pyannote[112].speaker |
SPEAKER_00 |
| transcript.pyannote[112].start |
396.12096875 |
| transcript.pyannote[112].end |
401.38596875 |
| transcript.pyannote[113].speaker |
SPEAKER_01 |
| transcript.pyannote[113].start |
400.81221875 |
| transcript.pyannote[113].end |
403.44471875 |
| transcript.pyannote[114].speaker |
SPEAKER_01 |
| transcript.pyannote[114].start |
404.05221875 |
| transcript.pyannote[114].end |
414.02534375 |
| transcript.pyannote[115].speaker |
SPEAKER_00 |
| transcript.pyannote[115].start |
414.27846875 |
| transcript.pyannote[115].end |
414.66659375 |
| transcript.pyannote[116].speaker |
SPEAKER_01 |
| transcript.pyannote[116].start |
415.08846875 |
| transcript.pyannote[116].end |
415.88159375 |
| transcript.pyannote[117].speaker |
SPEAKER_01 |
| transcript.pyannote[117].start |
416.65784375 |
| transcript.pyannote[117].end |
421.21409375 |
| transcript.pyannote[118].speaker |
SPEAKER_00 |
| transcript.pyannote[118].start |
419.17221875 |
| transcript.pyannote[118].end |
419.56034375 |
| transcript.pyannote[119].speaker |
SPEAKER_00 |
| transcript.pyannote[119].start |
421.21409375 |
| transcript.pyannote[119].end |
421.55159375 |
| transcript.pyannote[120].speaker |
SPEAKER_01 |
| transcript.pyannote[120].start |
421.99034375 |
| transcript.pyannote[120].end |
424.53846875 |
| transcript.pyannote[121].speaker |
SPEAKER_01 |
| transcript.pyannote[121].start |
424.87596875 |
| transcript.pyannote[121].end |
435.94596875 |
| transcript.pyannote[122].speaker |
SPEAKER_01 |
| transcript.pyannote[122].start |
436.97534375 |
| transcript.pyannote[122].end |
441.19409375 |
| transcript.pyannote[123].speaker |
SPEAKER_01 |
| transcript.pyannote[123].start |
441.36284375 |
| transcript.pyannote[123].end |
443.26971875 |
| transcript.pyannote[124].speaker |
SPEAKER_01 |
| transcript.pyannote[124].start |
443.50596875 |
| transcript.pyannote[124].end |
452.36534375 |
| transcript.pyannote[125].speaker |
SPEAKER_00 |
| transcript.pyannote[125].start |
445.80096875 |
| transcript.pyannote[125].end |
445.81784375 |
| transcript.pyannote[126].speaker |
SPEAKER_00 |
| transcript.pyannote[126].start |
445.83471875 |
| transcript.pyannote[126].end |
445.90221875 |
| transcript.pyannote[127].speaker |
SPEAKER_00 |
| transcript.pyannote[127].start |
448.19721875 |
| transcript.pyannote[127].end |
448.29846875 |
| transcript.pyannote[128].speaker |
SPEAKER_01 |
| transcript.pyannote[128].start |
452.73659375 |
| transcript.pyannote[128].end |
455.55471875 |
| transcript.pyannote[129].speaker |
SPEAKER_01 |
| transcript.pyannote[129].start |
455.77409375 |
| transcript.pyannote[129].end |
477.05346875 |
| transcript.pyannote[130].speaker |
SPEAKER_00 |
| transcript.pyannote[130].start |
455.82471875 |
| transcript.pyannote[130].end |
456.28034375 |
| transcript.pyannote[131].speaker |
SPEAKER_01 |
| transcript.pyannote[131].start |
477.20534375 |
| transcript.pyannote[131].end |
481.10346875 |
| transcript.pyannote[132].speaker |
SPEAKER_00 |
| transcript.pyannote[132].start |
481.22159375 |
| transcript.pyannote[132].end |
495.48096875 |
| transcript.pyannote[133].speaker |
SPEAKER_01 |
| transcript.pyannote[133].start |
487.44846875 |
| transcript.pyannote[133].end |
487.87034375 |
| transcript.pyannote[134].speaker |
SPEAKER_00 |
| transcript.pyannote[134].start |
495.81846875 |
| transcript.pyannote[134].end |
503.71596875 |
| transcript.pyannote[135].speaker |
SPEAKER_00 |
| transcript.pyannote[135].start |
503.88471875 |
| transcript.pyannote[135].end |
504.94784375 |
| transcript.pyannote[136].speaker |
SPEAKER_01 |
| transcript.pyannote[136].start |
503.91846875 |
| transcript.pyannote[136].end |
504.86346875 |
| transcript.pyannote[137].speaker |
SPEAKER_01 |
| transcript.pyannote[137].start |
505.53846875 |
| transcript.pyannote[137].end |
513.41909375 |
| transcript.pyannote[138].speaker |
SPEAKER_01 |
| transcript.pyannote[138].start |
513.53721875 |
| transcript.pyannote[138].end |
514.88721875 |
| transcript.pyannote[139].speaker |
SPEAKER_01 |
| transcript.pyannote[139].start |
515.49471875 |
| transcript.pyannote[139].end |
516.74346875 |
| transcript.pyannote[140].speaker |
SPEAKER_01 |
| transcript.pyannote[140].start |
516.99659375 |
| transcript.pyannote[140].end |
518.83596875 |
| transcript.pyannote[141].speaker |
SPEAKER_01 |
| transcript.pyannote[141].start |
519.19034375 |
| transcript.pyannote[141].end |
520.77659375 |
| transcript.pyannote[142].speaker |
SPEAKER_01 |
| transcript.pyannote[142].start |
521.13096875 |
| transcript.pyannote[142].end |
538.29284375 |
| transcript.pyannote[143].speaker |
SPEAKER_01 |
| transcript.pyannote[143].start |
538.51221875 |
| transcript.pyannote[143].end |
541.24596875 |
| transcript.pyannote[144].speaker |
SPEAKER_01 |
| transcript.pyannote[144].start |
541.46534375 |
| transcript.pyannote[144].end |
542.44409375 |
| transcript.pyannote[145].speaker |
SPEAKER_01 |
| transcript.pyannote[145].start |
542.56221875 |
| transcript.pyannote[145].end |
547.01721875 |
| transcript.pyannote[146].speaker |
SPEAKER_00 |
| transcript.pyannote[146].start |
547.33784375 |
| transcript.pyannote[146].end |
570.05159375 |
| transcript.pyannote[147].speaker |
SPEAKER_01 |
| transcript.pyannote[147].start |
570.45659375 |
| transcript.pyannote[147].end |
575.60346875 |
| transcript.pyannote[148].speaker |
SPEAKER_01 |
| transcript.pyannote[148].start |
576.70034375 |
| transcript.pyannote[148].end |
579.50159375 |
| transcript.pyannote[149].speaker |
SPEAKER_00 |
| transcript.pyannote[149].start |
579.50159375 |
| transcript.pyannote[149].end |
581.79659375 |
| transcript.pyannote[150].speaker |
SPEAKER_01 |
| transcript.pyannote[150].start |
581.34096875 |
| transcript.pyannote[150].end |
584.76659375 |
| transcript.pyannote[151].speaker |
SPEAKER_00 |
| transcript.pyannote[151].start |
585.32346875 |
| transcript.pyannote[151].end |
607.91909375 |
| transcript.pyannote[152].speaker |
SPEAKER_01 |
| transcript.pyannote[152].start |
594.03096875 |
| transcript.pyannote[152].end |
594.41909375 |
| transcript.pyannote[153].speaker |
SPEAKER_01 |
| transcript.pyannote[153].start |
607.02471875 |
| transcript.pyannote[153].end |
607.42971875 |
| transcript.pyannote[154].speaker |
SPEAKER_00 |
| transcript.pyannote[154].start |
607.96971875 |
| transcript.pyannote[154].end |
610.88909375 |
| transcript.pyannote[155].speaker |
SPEAKER_00 |
| transcript.pyannote[155].start |
610.92284375 |
| transcript.pyannote[155].end |
613.08284375 |
| transcript.pyannote[156].speaker |
SPEAKER_01 |
| transcript.pyannote[156].start |
613.69034375 |
| transcript.pyannote[156].end |
620.64284375 |
| transcript.pyannote[157].speaker |
SPEAKER_01 |
| transcript.pyannote[157].start |
621.16596875 |
| transcript.pyannote[157].end |
626.76846875 |
| transcript.pyannote[158].speaker |
SPEAKER_00 |
| transcript.pyannote[158].start |
625.46909375 |
| transcript.pyannote[158].end |
625.48596875 |
| transcript.pyannote[159].speaker |
SPEAKER_00 |
| transcript.pyannote[159].start |
625.62096875 |
| transcript.pyannote[159].end |
625.68846875 |
| transcript.pyannote[160].speaker |
SPEAKER_01 |
| transcript.pyannote[160].start |
627.13971875 |
| transcript.pyannote[160].end |
628.72596875 |
| transcript.pyannote[161].speaker |
SPEAKER_01 |
| transcript.pyannote[161].start |
629.73846875 |
| transcript.pyannote[161].end |
630.61596875 |
| transcript.pyannote[162].speaker |
SPEAKER_01 |
| transcript.pyannote[162].start |
631.13909375 |
| transcript.pyannote[162].end |
637.07909375 |
| transcript.pyannote[163].speaker |
SPEAKER_00 |
| transcript.pyannote[163].start |
637.26471875 |
| transcript.pyannote[163].end |
637.77096875 |
| transcript.pyannote[164].speaker |
SPEAKER_00 |
| transcript.pyannote[164].start |
638.34471875 |
| transcript.pyannote[164].end |
639.27284375 |
| transcript.pyannote[165].speaker |
SPEAKER_01 |
| transcript.pyannote[165].start |
639.61034375 |
| transcript.pyannote[165].end |
643.54221875 |
| transcript.pyannote[166].speaker |
SPEAKER_00 |
| transcript.pyannote[166].start |
640.25159375 |
| transcript.pyannote[166].end |
640.38659375 |
| transcript.pyannote[167].speaker |
SPEAKER_00 |
| transcript.pyannote[167].start |
642.93471875 |
| transcript.pyannote[167].end |
650.86596875 |
| transcript.pyannote[168].speaker |
SPEAKER_01 |
| transcript.pyannote[168].start |
650.86596875 |
| transcript.pyannote[168].end |
652.03034375 |
| transcript.pyannote[169].speaker |
SPEAKER_01 |
| transcript.pyannote[169].start |
652.87409375 |
| transcript.pyannote[169].end |
658.84784375 |
| transcript.pyannote[170].speaker |
SPEAKER_00 |
| transcript.pyannote[170].start |
655.27034375 |
| transcript.pyannote[170].end |
656.35034375 |
| transcript.pyannote[171].speaker |
SPEAKER_00 |
| transcript.pyannote[171].start |
657.97034375 |
| transcript.pyannote[171].end |
671.13284375 |
| transcript.pyannote[172].speaker |
SPEAKER_00 |
| transcript.pyannote[172].start |
671.55471875 |
| transcript.pyannote[172].end |
672.26346875 |
| transcript.pyannote[173].speaker |
SPEAKER_01 |
| transcript.pyannote[173].start |
671.75721875 |
| transcript.pyannote[173].end |
676.68471875 |
| transcript.pyannote[174].speaker |
SPEAKER_01 |
| transcript.pyannote[174].start |
676.90409375 |
| transcript.pyannote[174].end |
689.05409375 |
| transcript.pyannote[175].speaker |
SPEAKER_00 |
| transcript.pyannote[175].start |
689.05409375 |
| transcript.pyannote[175].end |
698.58846875 |
| transcript.pyannote[176].speaker |
SPEAKER_01 |
| transcript.pyannote[176].start |
689.15534375 |
| transcript.pyannote[176].end |
689.18909375 |
| transcript.pyannote[177].speaker |
SPEAKER_01 |
| transcript.pyannote[177].start |
689.25659375 |
| transcript.pyannote[177].end |
690.94409375 |
| transcript.pyannote[178].speaker |
SPEAKER_01 |
| transcript.pyannote[178].start |
697.82909375 |
| transcript.pyannote[178].end |
703.66784375 |
| transcript.pyannote[179].speaker |
SPEAKER_00 |
| transcript.pyannote[179].start |
700.95096875 |
| transcript.pyannote[179].end |
701.23784375 |
| transcript.pyannote[180].speaker |
SPEAKER_00 |
| transcript.pyannote[180].start |
703.66784375 |
| transcript.pyannote[180].end |
704.00534375 |
| transcript.pyannote[181].speaker |
SPEAKER_01 |
| transcript.pyannote[181].start |
705.30471875 |
| transcript.pyannote[181].end |
711.78471875 |
| transcript.whisperx[0].start |
0.749 |
| transcript.whisperx[0].end |
16.777 |
| transcript.whisperx[0].text |
主委早 經濟學人雜誌前幾天一篇關於台灣跟美金之間的匯率被嚴重低估的報導 |
| transcript.whisperx[1].start |
18.394 |
| transcript.whisperx[1].end |
47.017 |
| transcript.whisperx[1].text |
雖然馬上就被央行跟美國一起出來開記者會說明把這個東西給澄清了那從這邊引申而來就是跟剛剛前面的委員提到類似的問題但我用不同的問法現在我們國家目前的受險公司它在外國投資的金額總共是多少現在總共 目前剛剛提到委員剛剛提到22兆左右22兆左右那因為這個在外國投資 |
| transcript.whisperx[2].start |
48.949 |
| transcript.whisperx[2].end |
77.931 |
| transcript.whisperx[2].text |
所要花的這個避險的這個費用就是為了這個匯率的風險避險的費用大概是多少如果每年不一樣還有根據比如說台美的這個利差不同像今年的話有可能會逼近4000億就是說如果風險沒有發生我們這4000億的錢也就是花掉了就是說因為整個避險工具很貴的話就過去平均來講的話就是2000到3000億左右對啦我就意思說這個錢就是花掉了 |
| transcript.whisperx[3].start |
78.297 |
| transcript.whisperx[3].end |
105.844 |
| transcript.whisperx[3].text |
是就可能是產生資產的淨流出是那不是我的意思說因為我們是類似為了要規避風險所以我們才要買避險那我今年就算風險沒有發生我這錢也就花掉了那花掉了這個如果風險沒有發生就是覺得每年花這個錢很可惜其中最釜底抽薪的方法就是不能增加台灣的投資管道 |
| transcript.whisperx[4].start |
107.216 |
| transcript.whisperx[4].end |
120.737 |
| transcript.whisperx[4].text |
其實剛剛委員提到我剛才提過就是說假設要解決受險人的問題有三個面向一個就是資產面向資產面向裡面很重要就是把那個不匹配扭回來其實很重要就是加大對台幣的投資我想這是一個方向 |
| transcript.whisperx[5].start |
121.749 |
| transcript.whisperx[5].end |
137.429 |
| transcript.whisperx[5].text |
對 你想想看我們22兆多在外國的投資假設你能夠多投資台灣5兆 6兆那就有相當的比例至少那一部分需要避險的金額就降低了嘛所以需要花出去的成本就會降低嘛真正釜底抽薪的是要讓台灣 |
| transcript.whisperx[6].start |
139.249 |
| transcript.whisperx[6].end |
156.56 |
| transcript.whisperx[6].text |
有好的資產或是好的方式可以投資那偏偏台灣的利率低那政府的公債又很久都沒有發行所以變成說這個投資的管道在台灣投資的管道越來越少你有沒有什麼好的想法可以讓台灣投資的管道可以增加 |
| transcript.whisperx[7].start |
156.84 |
| transcript.whisperx[7].end |
175.471 |
| transcript.whisperx[7].text |
其實我也看到受請公司最近幾年的努力比如說他們第一個他們會自己去做一些比如說地上權或是一些不動產或是一些投資案的投資我想各位可以看到很多像比如說我們一些地區型的這些購物中心還有一些物流這些東西他們都在做 |
| transcript.whisperx[8].start |
176.124 |
| transcript.whisperx[8].end |
197.83 |
| transcript.whisperx[8].text |
你們金管會有給他規定啊你如果要對這個商業不動產的這個投資或是要怎麼樣他有一個固定的那個基礎利率然後再加上三碼是不是我如果沒有記錯的話我們最近的話是用均速的方式因為最近的那個利率波動比較大所以過去我們是鎖定的我們最近把它調整成就是一個幾年平均的一個對 因為這個會造成一個問題就是會隨著利率 |
| transcript.whisperx[9].start |
202.386 |
| transcript.whisperx[9].end |
224.057 |
| transcript.whisperx[9].text |
的浮動那不是投資在保險公司的可是會所謂的利率的浮動有的投資合法有的投資過去是可以現在變成不可以這個都事實上這個政策上面是有一些思考的空間對所以說剛剛跟文報告我們就因為也注意到這個問題我們很快的做出調整我想前一陣子如果文有注意到我們先把過去那個盯住一個定點的方式我們就把它調整成是一個 |
| transcript.whisperx[10].start |
225.738 |
| transcript.whisperx[10].end |
246.533 |
| transcript.whisperx[10].text |
軍屬這樣會考慮到其實就好像他可能一簽約可能簽約三年五年他不可能在利率上升的時候他突然說我要調高是不可能所以我們也注意到我們也也把他納入到我們監理的考量就是因為這個是一個環境的變動所以我們有調整過就我了解的個案上面變得很多比較大額的投資就要經過你們同意那個經過你們同意的過程中 |
| transcript.whisperx[11].start |
247.679 |
| transcript.whisperx[11].end |
267.185 |
| transcript.whisperx[11].text |
有的時候諸多種考量都在裡面不見得是不正確但是就會讓這個申請人覺得說他們也會有一個如果不順的時候也會有一個懷疑說金管會的標準是不是不一致對每個公司不一致或是對每個個案不一致會有這樣子的疑問產生 |
| transcript.whisperx[12].start |
268.385 |
| transcript.whisperx[12].end |
290.504 |
| transcript.whisperx[12].text |
其實主要是說我想最近會比較大的爭議就是有些對公建的認定比如它的比例的問題就像我們現在很多地方政府跟很多的做一個開發案有些開發案的時候因為它有些有公民的參與所以有些部分可能涉及到比如說過去我們都不樂見受血液投資在住宅這上面有些還有就是說它的 |
| transcript.whisperx[13].start |
291.724 |
| transcript.whisperx[13].end |
318.474 |
| transcript.whisperx[13].text |
可能是一個政府主辦但是公件的比例比較低所以我們就會有一個考慮實際上我們最近也有做一些明確的規定讓他們好遵循主委我是這樣想我們對保險公司如果要讓整個市場健全你要想方設法讓台灣可以投資的範圍而且當然這個投資是必須是有足夠性的保障所以 |
| transcript.whisperx[14].start |
320.003 |
| transcript.whisperx[14].end |
343.735 |
| transcript.whisperx[14].text |
像之前提出說要對公共建設的投資可以來參與那對有一些參與但是也是冒著風險譬如說你以前說綠能可以投資那現在綠能的環境變得這麼差那已經投資進去了就會覺得說這我要被人家搬所以我們先撇開這個不講我認為金管會不是只有正在管理 |
| transcript.whisperx[15].start |
345.416 |
| transcript.whisperx[15].end |
372.693 |
| transcript.whisperx[15].text |
你可能要想方設法跟政府部門溝通哪一些範圍是你認為可以增加投資標的其實委員剛才講沒錯其實我跟委員報告我在這方面其實跟很多的部會有那個部長都做過很多溝通其實都蠻正面只是說有些是有法令的障礙但我們都在突破中這是我們正在努力的方向包括像比如說國發會的兆元投資計畫裡面除了這裡面整體來講其實我們在已經的不斷的跟比如說 |
| transcript.whisperx[16].start |
374.053 |
| transcript.whisperx[16].end |
395.251 |
| transcript.whisperx[16].text |
各个部会有可能列为可以国人可以投资的标的部分我们持续在努力中这是绝对是我们努力的方向就刚刚委员提到就是说其实国内的投资呢确实有它比较多的障碍比如报酬率的问题这是一个很明显的所以我刚才讲说要解决这个投资工具除了我们的资产面的报酬率很重要就是我们的受险公司的负债成本 |
| transcript.whisperx[17].start |
396.192 |
| transcript.whisperx[17].end |
423.541 |
| transcript.whisperx[17].text |
如果能夠降低的話那自然他投資的能力就加強這也是我們努力的方向那這要看他的保單裡面他將來的支付要支付的金額的估算那是不是符合實際我舉一個例子我覺得其實有時候想法靈活就有可能可以改變譬如說天然氣的運輸船LND他一艘新造大概是3億美金那台灣其實需要這個船隊 |
| transcript.whisperx[18].start |
424.946 |
| transcript.whisperx[18].end |
451.364 |
| transcript.whisperx[18].text |
那問題是過去我們都是叫賣方運來給我們我們把運價加記在裡面那台灣的買家就只有中油跟台電都是台灣的公司我們如果這個中油跟台電現在以他的資本額來講他們現在沒有辦法出得起這麼一下子出得起這麼大條錢因為你建這個船隊可能不是一條兩條喔可能要十幾二十條以上那這個對台灣的國家安全也很重要 |
| transcript.whisperx[19].start |
453.546 |
| transcript.whisperx[19].end |
479.788 |
| transcript.whisperx[19].text |
這個議題有人在談你能不能把它結合在一起我舉個例子我們授權公司這麼多的錢如果這個運輸的權利東友跟台電願意釋放出來其實這個保險公司可以跟他們買債券買這個東西然後來做船隊然後這個只是把它原來要付給外國船隊的運輸費用付給這個台灣自己建立的這個船隊那這個光是這個投資至少也可以出現幾千億的台幣的這個金額 |
| transcript.whisperx[20].start |
481.48 |
| transcript.whisperx[20].end |
504.609 |
| transcript.whisperx[20].text |
對 其實委員提到他很重要授權公司適合投資就是穩定長期固定報酬是很適合他那剛剛提到其實我們在那個那個跟財政部跟國化建的平台我們每次定期都有跟我們的業者諮詢說你有沒有什麼投資的標的像剛剛委員提到那個我覺得那個想法的部分我們也會帶回去請他們去評估一下這個可另外一點就是 |
| transcript.whisperx[21].start |
505.609 |
| transcript.whisperx[21].end |
511.932 |
| transcript.whisperx[21].text |
有沒有什麼方法可以替代掉這個要去買這個避險的這個錢我舉個例子我4000億花出去那風險沒有發生當然我們不希望風險發生嘛 |
| transcript.whisperx[22].start |
519.261 |
| transcript.whisperx[22].end |
546.898 |
| transcript.whisperx[22].text |
那錢就花掉了每一年兩千億三千億四千億這樣在花其實那個成本很高我如果一部分避險還是繼續但是一部分因為你知道嗎那個風險的那個極端值你買都是買到極端值出現嘛但是那個極端值出現的機率相對是越來越小的那小的風險的那一部分可能要付那有的東西是不是可以拿來充實這些保險公司的資本不用這樣花出去啊 |
| transcript.whisperx[23].start |
547.598 |
| transcript.whisperx[23].end |
573.117 |
| transcript.whisperx[23].text |
確實沒有錯我們剛才提到就是說我剛才在委員答詢的時候我也提到就是說其實我們更關切的是說你怎麼樣強化未來的抵禦匯率風險的能力所以剛才講強制提撥跟止撥跟增資都是我們未來在整個做匯率改革的一個非常重要的相關的措施其實一個最大的問題就是這個避險的錢萬一發生了風險的時候 |
| transcript.whisperx[24].start |
576.738 |
| transcript.whisperx[24].end |
584.468 |
| transcript.whisperx[24].text |
你認為你有沒有估算過那個金額會有多大其實我們有做過各種的前進我就舉個例子今年4100到底是買到多大的保障 |
| transcript.whisperx[25].start |
585.69 |
| transcript.whisperx[25].end |
612.691 |
| transcript.whisperx[25].text |
其實這個東西就是我們大概剛才講我們的避險比例20就是大概15兆裡面大概六成左右剛才提到差不多六成那等於說我們大概可以算得出來大概基本上我記得在前幾次會議的時候我也跟大家報告說大概一塊錢大概就是2000億左右的波動對他的損益那其實上這個剛剛就可以推估出來大概多少的部位他們是在做避險 |
| transcript.whisperx[26].start |
614.916 |
| transcript.whisperx[26].end |
628.107 |
| transcript.whisperx[26].text |
我剛剛那個問題對不起我追問一下就把它問清楚我舉個例子我們今年花了4000億如果像經濟學人說的應該台幣兌美金當然他是亂講我們不相信他說應該1比20那真的發生了1比20 |
| transcript.whisperx[27].start |
629.97 |
| transcript.whisperx[27].end |
651.515 |
| transcript.whisperx[27].text |
這四千億的花出去錢買到的這個保障的這個匯率的這個損失有辦法完全填補嗎這很可惜沒有沒有嘛那所以我的意思是說要填補多少多少比例可以去填補就是那個牽涉到匯率有多快到達剛剛講那個期間因為我們現在的避險工具都是短期的避險工具所以只有一年內 |
| transcript.whisperx[28].start |
653.11 |
| transcript.whisperx[28].end |
669.943 |
| transcript.whisperx[28].text |
這一年為了怕匯率的變動所以今年就要花4000億的錢因為我們的避險工具沒有提供長期所以它必須要一直轉都是短期短期有點像以短支長的概念它其實並沒有真正的能夠解決未來假設結構性的 |
| transcript.whisperx[29].start |
671.844 |
| transcript.whisperx[29].end |
693.151 |
| transcript.whisperx[29].text |
變化所以你想想看這個實在是很可惜台灣每一年花了這麼多的錢就是花掉用什麼方法既可以讓這些保險公司這個匯率的變動的時候他還是能夠撐得住又不用花這麼大的成本各式各樣的方法應該趕快這也是我們覺得說從整個金融安定長遠的角度必須要 |
| transcript.whisperx[30].start |
694.191 |
| transcript.whisperx[30].end |
705.935 |
| transcript.whisperx[30].text |
要做也要立刻做調整體質的這些事情我們會全力來做好 那是釜底抽薪還是讓台灣的投資機會能夠增加是的這就不用有避險的問題了嘛是的好 謝謝好 謝謝吳秉瑞委員主委請回好 接下來我們請賴思寶委員質詢 |