| IVOD_ID |
166083 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/166083 |
| 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 |
2025-12-03T09:37:29+08:00 |
| 結束時間 |
2025-12-03T09:49:35+08:00 |
| 影片長度 |
00:12:06 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/d5a4ce084af309d64891c14bf3de166609a18256bf6bdfebab4060e56b945967e766b101dd82558b5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
賴士葆 |
| 委員發言時間 |
09:37:29 - 09:49:35 |
| 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。） |
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以及各位先進有請今晚會的彭主委好 請彭主委委員早安主委早那麼我看這個數字今年金融業在前10個月它的獲利超過8400億獲利相當的亮眼它的獲利今年會不會上看上兆會不會如果你處一處上兆 |
| transcript.whisperx[1].start |
30.24 |
| transcript.whisperx[1].end |
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今年的話因為可能幾個三頁裡面可能銀行還是持續表現的結許會可能會創下今年的新高今年可能會創下新高但是因為受險業受到今年四五月的衝擊其實上會減少很多它相對的比例也比較小啊受險相對比例小但是過去大概是六三一吧去年破兆嘛去年剛好破兆就是大概六三一這樣一個比例所以今年也是破兆應該沒問題今年我覺得有點吃緊因為這個比如受險業的獲利沒有那麼好 |
| transcript.whisperx[2].start |
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但今年會破照嗎不確定 但是銀行今年應該我們可以預期就是今年的獲利會比今年還要好銀行很亮喔 今年喔那在這樣子金融業這麼好的情況之下你站在金管會 你看它宗旨一方面監管 二方面希望你們手上的工具促進金融業能夠發展嘛所以這個員工非常重要你要不要公開喊話一下這個金工業給員工加薪啊 |
| transcript.whisperx[3].start |
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其實我跟委員報告就是我們在其實我們從今年開始應該講我們就不斷的跟金融業宣導所謂金融大回饋計畫其實在我們在新申請新業務的時候我們都會這個柔性的請他說你未來這個新業務的成果要如何回饋他們開始就是一直在做我們有系統的在做這件事情當然我們講回饋包括三個對象第一個叫做基層員工 |
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一定要先針對你的基層員工進行福利的增加再來就是對你的客戶再來對社會大眾這我們會提出具體的金融大回饋計畫來促進這件事情這個確實是金融業未來會成為這麼重要的產業你就跟我講給我簡單的答案你要不要跟金融業喊話給員工加薪就問這個事情其實這個我命在很多場合跟他們呼籲過現在要不要再喊話一次 |
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我剛剛講說其實我們希望基層會支持我們金融大回饋計畫裡面所以要給員工加薪我要問你這個啦這股啦這樣啦對我們支持他們對基層的員工鼓勵啦希望啦可以吧可以可以喔 |
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169.623 |
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那上市櫃公司也比較辦理因為今年號稱 哇贊圖哇贊啦GDP成長率有時候到7%啦所以今年會到7% 哇贊圖哇贊上市櫃公司你要不要也呼籲一下給員工加薪啊其實 |
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也是感謝委員我們全職很支持我們的政交法已經調了今年必須要增加就是在章程裡面要提撥一定的比例為基層員工調整福利我想這已經都幾乎所有的上市櫃公司都已經調整了它的章程再來就是我們對今年的上市櫃公司的條件 |
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他來申請上市的條件就要求比如說他的那個對於基層員工的薪資一定要達到一定的高水位才可以來做我想這個我們都希望由上市櫃公司來帶動我覺得另外問一個小問題也是很重要的問題你們有推出一個什麼加薪ETF有沒有有那個所謂的加薪指數對嘛 可是賣得不好啊那個不太有人要買這個啊 |
| transcript.whisperx[9].start |
216.102 |
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232.476 |
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你有沒有去研究一下為什麼你加薪ETF加薪100加薪什麼的都嘣嘣嘣這個問題人家覺得不怎麼樣你要不要檢討一下或者什麼原因其實各位委員也有注意到我注意到了對我知道因為這部分我們是在做一個這個嘗試 |
| transcript.whisperx[10].start |
234.157 |
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254.308 |
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資訊揭露對於這個善盡企業社會責任的企業我們給予鼓勵所以把它編一個加薪的指數可是華人問津不會就像我們在ESG的基金的過去我們也看到很多實證的研究也看到說它確實在因為投資人看的除了我們社會責任的善盡以外更重要是它的獲利你要多宣導宣導是我們會宣導這個給加薪的請鼓勵投資人多買ETF |
| transcript.whisperx[11].start |
262.352 |
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264.273 |
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沒有 這個委員的方向我們都支持好 來 第二個新北跟桃園 UBIKE從明年開始沒有投保不能夠騎 UBIKE這個民眾必須完成免費的投保它保費是市政府出的這裡面有第三責任險 傷害險等等的保險局怎麼看這個事情 |
| transcript.whisperx[12].start |
285.607 |
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298.457 |
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我想這是一個政策保險 這不是商業保險 這取決於各地方政府的政策我想保險公司是配合他們來做這些事情你們能夠鼓勵嗎 因為 老實講 UBIKE 你看每一次中小學放學的時候 UBIKE 跑來跑去的 看了都很危險而且發生的 UBIKE 的車禍也是 |
| transcript.whisperx[13].start |
311.227 |
| transcript.whisperx[13].end |
335.92 |
| transcript.whisperx[13].text |
也是常見的啦其實我們當然是支持這樣其實我們從一個推廣風險管理的概念的話我們絕對支持各地方政府推廣這些事情那我們就是我們的角色就希望站在我們的業者能夠盡量來協助這件事情讓他能夠完成各個地方政府想要推動這個政策的目標我想這個部分如果各個地方政府需要我們來配合的地方我們的保險局一定會督促我們的業者來配合這件事情 |
| transcript.whisperx[14].start |
336.311 |
| transcript.whisperx[14].end |
344.935 |
| transcript.whisperx[14].text |
你要不要去推一下 請那個產險公司也幫忙推一下說鼓勵各縣市因為UPAC這個太方便了這個各縣市你們也push一下這我們可以來努力你們來努力一下雖然這個是新北跟桃園但是我覺得金管會的角色可以樂見其神推廣到所有的 |
| transcript.whisperx[15].start |
360.663 |
| transcript.whisperx[15].end |
385.963 |
| transcript.whisperx[15].text |
各個縣市然後我們看另外一題那個聖石今夜襲警案這個昨天好像被搜索被什麼的那這裡面他就用保障5%到12%而且有總統去站台高官去站台這個跟今天的題目有點關係我就請教一下這個案子你怎麼看 |
| transcript.whisperx[16].start |
387.881 |
| transcript.whisperx[16].end |
405.471 |
| transcript.whisperx[16].text |
我想剛剛提到就是假設以這個涉及到非法吸金地下匯兌這是我們銀行法上的重罪我剛剛已經提過了這是為什麼這兩個是特許業務非法吸金非特許行業不得吸收存款不得辦理匯兌我想這是很清楚所以像 |
| transcript.whisperx[17].start |
406.371 |
| transcript.whisperx[17].end |
429.929 |
| transcript.whisperx[17].text |
今天的那個提案我們也提到就是說如果說把那個提高刑度那部分改成失職所得這部分我們是就不支持啦所以我們就還是維持原來的這個條文那當然對於任何吸金這個非法吸金我們都一定是站在一個你站不站成對非法吸金跟地下會對一起提高薪資 |
| transcript.whisperx[18].start |
430.929 |
| transcript.whisperx[18].end |
452.618 |
| transcript.whisperx[18].text |
對 我想對於打擊犯罪如果有效的方法我們都支持不過這個還牽涉到比如說我們的司法刑度的量刑要跟其他的部會一起要一致性的考量這個要不要請法務部的廖參事上來表達一點意見我們如果提高刑度會不會有什麼你們法律上的一些漢格的地方有沒有 |
| transcript.whisperx[19].start |
455.242 |
| transcript.whisperx[19].end |
477.782 |
| transcript.whisperx[19].text |
你要不要講一下 表示一下如果對非法吸金跟地下會一起提高薪資 你們態度怎麼樣跟委員說明一下 這是兩個不同的形態吸金的部分呢 這個打擊吸金呢本來就是我們的重點工作不過現在談的就是法律規定刑度的一個均衡性的問題 |
| transcript.whisperx[20].start |
479.028 |
| transcript.whisperx[20].end |
499.897 |
| transcript.whisperx[20].text |
那現在吸金的部分目前依照銀行法的規定29條之一的規定它是以吸收存款跟吸收存款的性質相近所以它是以吸收存款論你回答問題因為我時間快到了就是你贊不贊成這兩個都要一起提高薪資就這樣子了贊不贊成 |
| transcript.whisperx[21].start |
503.144 |
| transcript.whisperx[21].end |
520.434 |
| transcript.whisperx[21].text |
廢法吸金的我們的看法是說他要跟29條之一的收受存款的刑責性質相近應該是刑度要相當啦就是說所以你保留就對了啦這樣說快點啦就是說跟29條之一的刑度相當 |
| transcript.whisperx[22].start |
521.855 |
| transcript.whisperx[22].end |
528.937 |
| transcript.whisperx[22].text |
那地下會對現在的刑度也是跟29條之一是一樣的所以你都保留就變這樣就是說在整個金融管理政策上以現在的詐欺案啦人民永遠都痛啊而且逃不回來啊你們應該要贊成提高刑責啦老實講那個我請金光會的本主委以現在的時空啊這個詐欺老是越打越詐啊這個情況之下 |
| transcript.whisperx[23].start |
549.674 |
| transcript.whisperx[23].end |
554.3 |
| transcript.whisperx[23].text |
應該要贊成 最後一個問題講到穩定幣台灣版的穩定幣上路沒有 |
| transcript.whisperx[24].start |
563.258 |
| transcript.whisperx[24].end |
590.255 |
| transcript.whisperx[24].text |
當然還沒有因為我們的法制還在目前你們第一階段也就開放銀行機構才可以發行穩定費用我們初步跟央行的共識是說因為我們剛開始基於這個比如說監理上的穩定我們會從因為其實我們的草案母法草案裡面是沒有限制只有金融機構我們是參考MECA的規定但是我們初步階段基於一個風險管理的角度我們會先由金融機構先 |
| transcript.whisperx[25].start |
590.555 |
| transcript.whisperx[25].end |
616.423 |
| transcript.whisperx[25].text |
你能不能給我們一個時間表比如說半年內或者三個月以後看到台版的穩定幣正式上路那什麼時候一切順利一切順利的話像我們今年大概因為現在剛好正在比如說這個禮拜也會進行那個所謂的穩定幣在行政院政務委員主持的審查會我想已經第三次審查應該大家的共識度應該很高假設 |
| transcript.whisperx[26].start |
618.583 |
| transcript.whisperx[26].end |
643.589 |
| transcript.whisperx[26].text |
這個會期能夠送進立法院的話就是還要通過行政院院會嘛送進立法院排進議程的話如果有可能在下個會期通過的話我們站在一些執法公佈的話最快是大概半年內要把它做完我覺得最快最快可能要到下半年才有可能法制作業完成所以大概最快可以期待明年的6月7月左右可以 |
| transcript.whisperx[27].start |
644.269 |
| transcript.whisperx[27].end |
665.431 |
| transcript.whisperx[27].text |
台版的穩定幣這是什麼這要看就是下個會期是什麼時候對 就是順利嘛我說一切如果順利嘛對 就是因為就是等於說它出來等於說要立法通過執法公佈差不多要最晚半年之內公佈公佈完當然就可以開始所以到明年7月左右對 所以說這樣預期的話就是最快就看明年有可能完成立法然後就有可能 |
| transcript.whisperx[28].start |
665.891 |
| transcript.whisperx[28].end |
670.956 |
| transcript.whisperx[28].text |
明年七月 因為我跟你講一個 我跟你講一個 比如說現在列出來 當然這個不是穩定品 你看 USDT 36天的年收益利率有6% USDT 90天的9%一出來賣得很好 一出來賣得很好 這個 |
| transcript.whisperx[29].start |
687.15 |
| transcript.whisperx[29].end |
713.031 |
| transcript.whisperx[29].text |
這個當然這個穩定幣照理講是沒有利息的它是屬於衍生性商品啦對不對以這個來講的話其實這個需求已經在哪裡了市場在哪裡了我覺得我們的腳步可以快一點了是 我們其實站在我們行政機關的話我們就是很穩健的在推動因為這個我們儘管會能做我們現在都做了但其他的部分就要社會共識還有就是各個部會還有就是我們未來大院的審查好 謝謝 |
| transcript.whisperx[30].start |
715.12 |
| transcript.whisperx[30].end |
720.066 |
| transcript.whisperx[30].text |
好 謝謝賴司保委員接下來請郭國文委員質詢 |