| IVOD_ID |
166932 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/166932 |
| 日期 |
2026-01-07 |
| 會議資料.會議代碼 |
委員會-11-4-20-17 |
| 會議資料.會議代碼:str |
第11屆第4會期財政委員會第17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 |
17 |
| 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17次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2026-01-07T12:06:57+08:00 |
| 結束時間 |
2026-01-07T12:16:21+08:00 |
| 影片長度 |
00:09:24 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/8a4de0f3676b468fff272020d875545b5d44f5a94e3adf35a2318d3e8cde50e9e89831f4f6d40dec5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
顏寬恒 |
| 委員發言時間 |
12:06:57 - 12:16:21 |
| 會議時間 |
2026-01-07T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第4會期財政委員會第17次全體委員會議（事由：邀請金融監督管理委員會主任委員彭金隆、財政部部長莊翠雲、國家發展委員會副主任委員就「如何引導國內資金擴大參與公共建設及策略性產業」進行專題報告，並備質詢。） |
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| transcript.whisperx[0].start |
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主席各位列席官員大家早主席有請我們金管會彭主委請彭主委主委早主委金管會日前預告修正保險業招攬及核保理賠辦法將簡化高資產客戶投保跟借款投保的流程那受選業者也樂見可以讓財富管理的業務增加可不可以請主委簡單說明 |
| transcript.whisperx[1].start |
38.176 |
| transcript.whisperx[1].end |
61.832 |
| transcript.whisperx[1].text |
其實主要是這樣因為我們主要是做差異化管理那我們對高資產客戶本來在整個在管理上面本來就會採取因為在資訊不對稱理論裡面告訴我們說他通常都是比較資訊比較對等的情況之下可以再做一些差異性的管理但是如果是對一般的消費者那就必須要有不一樣的管理模式這樣是的 |
| transcript.whisperx[2].start |
62.392 |
| transcript.whisperx[2].end |
91.207 |
| transcript.whisperx[2].text |
好 主委這個跟你之前提出的雅資計畫有關嘛是的那你提的目標是說兩年有感 四年有變 六年有成那已經累計鬆綁這個超過42項法令那根據整體的資產規模成長超過新台幣4兆那提前完成兩年有感的階段性目標那主委可不可以確切的說明一下目前雅資計畫推動的進度如何 |
| transcript.whisperx[3].start |
92.467 |
| transcript.whisperx[3].end |
109.114 |
| transcript.whisperx[3].text |
謝謝 謝委員我想這是全面式的啦剛才委員提到就是說我們也想統計一下就是說因為畢竟這個市場我們要開始做一些啟動的時候第一個先從法規鬆綁開始嘛那我們剛才委員提到就是說42項法規我們本來是預計兩年要鬆綁46 |
| transcript.whisperx[4].start |
113.716 |
| transcript.whisperx[4].end |
139.969 |
| transcript.whisperx[4].text |
54件以上的法規但我們現在剛剛資料稍微更新已經有46項法規我們已經做完調整了再來就是有關我們所謂的資產管理規模的部分我們本來是預計兩年的時間如果能夠有一個增加大概4兆左右的規模我想因為台灣的投資的動能也比較大所以我們大概已經 |
| transcript.whisperx[5].start |
142.29 |
| transcript.whisperx[5].end |
158.964 |
| transcript.whisperx[5].text |
已經開始已經達到這個市造的規模就是前面的這個已經提前完成這個兩年有感的部分對 就是有感主要是說我們希望針對這構想很好 主委我是要說再強調就是說地緣政治的風險這可能會造成我們很多的投資人卻步 |
| transcript.whisperx[6].start |
159.304 |
| transcript.whisperx[6].end |
175.266 |
| transcript.whisperx[6].text |
這是很大的挑戰對 很大的挑戰所以說其實過去這段時間很多高資產人士跟企業已經開始主動的在詢問關於資產外移分散配置把一部分資金轉往相對中立政治風險較低的金融中心 |
| transcript.whisperx[7].start |
176.527 |
| transcript.whisperx[7].end |
204.372 |
| transcript.whisperx[7].text |
所以他原因就很單純因為風險一旦升高資金就會先保命先保命然後再談報酬所以尤其最近我們台海區域緊張已經成為一個常態所以說投資人其實不需要等到真正發生什麼事情他只要一認為說這個不可預測的這樣的情況上升他就會踩煞車所以這是資本市場的一個本能 |
| transcript.whisperx[8].start |
204.992 |
| transcript.whisperx[8].end |
218.873 |
| transcript.whisperx[8].text |
所以這問題在這邊政府在規劃招商吸引投資的時候所講的都是我們制度的優勢還有產業聚落人才跟補助這方面但是對投資人真正擔心的那一塊風險那一塊 |
| transcript.whisperx[9].start |
220.936 |
| transcript.whisperx[9].end |
240.43 |
| transcript.whisperx[9].text |
其實是很模糊的講的都很少但是不是說風險我們沒有講它就不發生還是會有所以當投資人已經把區域衝突變成是一個中長期變數的時候那你認為我們這些投資誘因足以彌補這些被拉高的一些風險 疫酬嗎 |
| transcript.whisperx[10].start |
241.636 |
| transcript.whisperx[10].end |
265.093 |
| transcript.whisperx[10].text |
我想在全球金融市場的競爭遊戲裡面每個國家地區實際上所面臨的資源條件都不同台灣有自己獨特的優勢也有我們獨特要面對的問題我想像剛剛委員提到地緣政策的問題不是現在才開始我想大家知道1949年開始就一直都是這樣一個狀態 |
| transcript.whisperx[11].start |
266.894 |
| transcript.whisperx[11].end |
284.697 |
| transcript.whisperx[11].text |
我想我們也看到就是說當然有些不同屬性的資金它有不同的選擇但是我們也看到說比如說剛剛也有人關切到我們最近幾年外資對台灣資本市場投資其實有增無減再來就是很多海外的投資對台灣也有增無減但不可否認的 |
| transcript.whisperx[12].start |
285.498 |
| transcript.whisperx[12].end |
311.677 |
| transcript.whisperx[12].text |
有很多人也选择了不同的选择我们不能因为有这样的一个限制而不做我们还是要持续的努力因为越多的国际资金来台湾台湾就越安全我想这个大概是我们就应该要按照我们的条件来做对没有错就是说这个我们雅致计划确实一定要做过去也想做但是没有做成那现在有这个机会而且也受到业界一个高度的肯定但是要真正 |
| transcript.whisperx[13].start |
312.478 |
| transcript.whisperx[13].end |
329.082 |
| transcript.whisperx[13].text |
把台灣打造成一個區域中心區域級的一個資產管理中心我們必須要正式在政策執行跟法規這部分要全面的優化面對新加坡 香港這樣子成熟的一個亞太資產管理中心台灣的競爭優勢 |
| transcript.whisperx[14].start |
331.963 |
| transcript.whisperx[14].end |
360.503 |
| transcript.whisperx[14].text |
是什么那我们需要加强的部分有哪些这个部分我在你的新闻里面有看到就是说要发展自身特色但是自身特色是不是被我们刚刚提到的这些区域紧张的一个部分不确定的因素又被严重的一个影响所以是不是除了目前已经开放的项目之外未来一年有哪一些法规双绑的部分还会再做那能够让台湾私人银行业务具备更 |
| transcript.whisperx[15].start |
361.483 |
| transcript.whisperx[15].end |
379.795 |
| transcript.whisperx[15].text |
足夠的一個國際彈性跟效率能夠吸引更多的這些境外資金進駐或者是我們的資金回流是 剛剛委員你應該講得非常非常的這個吻合我們現在的想法其實我們以我們自身的條件我們一定要好好的來利用 |
| transcript.whisperx[16].start |
380.815 |
| transcript.whisperx[16].end |
394.822 |
| transcript.whisperx[16].text |
來用來彌補我們現在無法改變的劣勢我想新加坡 香港都是我們非常敬佩的國際的對手而且他們有非常好的基礎但他們也是花了幾十年甚至半個世紀才有這樣的一個條件 |
| transcript.whisperx[17].start |
395.882 |
| transcript.whisperx[17].end |
424.303 |
| transcript.whisperx[17].text |
他好的東西我們要學但是我們有他沒有的東西我們就好好來發揮國際的資金有各種不同的目的他會在選擇各種目的他不會全部壓在一個地方所以我想說我們發揮我們特色可以吸引我們要吸引的然後我們做出一個有別於他們的資產管理中心其實這樣也就有辦法剛剛委員提到說我們會持續針對這幾個重要的一些項目比如說我們對私人銀行業務的開放我們第一波開放很多我們現在是在做開放我們在開始去 |
| transcript.whisperx[18].start |
425.223 |
| transcript.whisperx[18].end |
444.818 |
| transcript.whisperx[18].text |
觀察他們是否真的做得很穩健真的很穩健以後我們會持續開放反正我們有很多很多的方案主委 這個亞資計畫這個政策最大的受益者就是銀行就是銀行其實我們是全金融業啦當然 但是目前看就是銀行那面對高資產業務的一個爆發性的成長需求 |
| transcript.whisperx[19].start |
445.598 |
| transcript.whisperx[19].end |
473.943 |
| transcript.whisperx[19].text |
我們金管會是否已經有針對私人銀行的這些專業人才的一個量化培育目標你的培育目標計畫是什麼引進具備這個國際經驗的頂尖私人銀行家還有更具吸引力的這樣子的纜財或者是一個認證機制確保我國的這個專業人才庫能夠跟得上發展速度跟這個國際水準這部分是我們金管會要趕快做的是 |
| transcript.whisperx[20].start |
474.503 |
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503.352 |
| transcript.whisperx[20].text |
我應該講到一個很核心的點其實金融業它沒有資本投入沒有這些它主要靠人跟誠信人的部分當然最重要人跟專業對 就是我們這裡我們其實台灣有很多的人才是在海外所以我們第一個就是要除了自己的自培以外自己來培養以外引財也很重要就從海外我們這些很好的這些的人才能夠回來台灣要有這個機會才有辦法吸引他回來所以說我們是雙管齊下是 所以主委 |
| transcript.whisperx[21].start |
506.113 |
| transcript.whisperx[21].end |
529.939 |
| transcript.whisperx[21].text |
應該要向國際投資人提供更具體以及更透明的風險緩衝還有應對的方案不要讓大家有太多的顧慮那才是資金願意進駐或者是留住在我們這一邊這個才是整個政策的核心金管會應該要考慮到針對私人銀行的這些核心人才的培育跟引進就像你剛剛提到了我們優秀人才都在國外 |
| transcript.whisperx[22].start |
530.839 |
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553.337 |
| transcript.whisperx[22].text |
怎麼樣把他們吸引讓他們願意回到我們台灣對 台灣碼頭大了船就會靠過來對啦 對啦所以要有一個很好的環境讓我們這些專業經理人他願意回到我們這個地方是的所以提出更具吸引力的一個攬財計畫跟認證還有獎勵機制嘛所以我想就請主委跟金管會繼續往這些目標努力好不好謝謝 |
| transcript.whisperx[23].start |
554.057 |
| transcript.whisperx[23].end |
562.061 |
| transcript.whisperx[23].text |
謝謝委員的免利我們會持續來努力因為我想這個不只是銀行業受惠我想全體金融業受惠也是全體國民受惠好的 謝謝 |