| IVOD_ID |
167645 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/167645 |
| 日期 |
2026-03-18 |
| 會議資料.會議代碼 |
委員會-11-5-20-3 |
| 會議資料.會議代碼:str |
第11屆第5會期財政委員會第3次全體委員會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
5 |
| 會議資料.會次 |
3 |
| 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5會期財政委員會第3次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2026-03-18T12:07:59+08:00 |
| 結束時間 |
2026-03-18T12:17:52+08:00 |
| 影片長度 |
00:09:53 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/4e26a61b53ad60532031d52443ae4ab452e56fd78df8e650997b7b3c5b8577b3bb7f1b8e8d3d49e25ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
陳玉珍 |
| 委員發言時間 |
12:07:59 - 12:17:52 |
| 會議時間 |
2026-03-18T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第5會期財政委員會第3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率所屬機關首長暨中央存款保險股份有限公司、監管相關機構有關之財團法人、臺灣證券交易所股份有限公司、臺灣期貨交易所股份有限公司、臺灣集中保管結算所股份有限公司等董事長、總經理列席業務報告，並備質詢。） |
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| transcript.whisperx[0].start |
1.766 |
| transcript.whisperx[0].end |
3.668 |
| transcript.whisperx[0].text |
我們說人民的小事就是政府的大事這個保險法的這個部分 |
| transcript.whisperx[1].start |
21.163 |
| transcript.whisperx[1].end |
44.057 |
| transcript.whisperx[1].text |
大家現在出國都是很多都保這個旅遊不變險海外到海外去也是會那到國內旅遊也是一樣像在金門地區如果飛到金門的時候天氣起霧今天又起霧沒有飛那如果有旅評選當然會造成就是有很大的注意海外也是吧海外也有這個旅遊不變險 |
| transcript.whisperx[2].start |
45.678 |
| transcript.whisperx[2].end |
66.092 |
| transcript.whisperx[2].text |
那這個去廈門是算出國嗎?去廈門?算海外嗎?那請問這個海外不避險為什麼有民眾跟我們反映?我舉這個例子給你聽他到廈門去,從廈門要搭船,小山東是坐船不是坐飛機然後要再回到金門,然後再坐飛機回到台中 |
| transcript.whisperx[3].start |
66.792 |
| transcript.whisperx[3].end |
83.684 |
| transcript.whisperx[3].text |
那因為颱風導致船班飛機都停駛就滯留了很多天但他申請禮品權的時候被拒絕因為保險公司主張保單保障範圍僅限於飛機不包括船運等其他交通工具好 那你看下一頁 |
| transcript.whisperx[4].start |
86.285 |
| transcript.whisperx[4].end |
108.802 |
| transcript.whisperx[4].text |
這個現行的法規裡頭這個海外旅行的不便嫌這個部分你們的法規依據是你們經常會訂的這個個人海外旅行不便嫌的參考條款第二條有相關的法令它是說是包括搬機延誤行李延誤旅行文件損失取消旅程取消旅程更改然後行李損失你們的相關條第三條寫的是這樣子 |
| transcript.whisperx[5].start |
113.866 |
| transcript.whisperx[5].end |
129.311 |
| transcript.whisperx[5].text |
零有營業執照經政府登記許可據固定場在一班次提供不特定的旅客運送之服務是包括水上路上及交通工具啊你們的這個法規裡頭是包括入海空的這個工具都包括嘛 |
| transcript.whisperx[6].start |
130.939 |
| transcript.whisperx[6].end |
145.842 |
| transcript.whisperx[6].text |
那為什麼民眾如果法規是有包括水上工具那為什麼就船嘛民眾從廈門搭金門搭船回金門延誤也是去海外嘛沒有辦法申請搬機延誤保險那個是不是保險局可以比較來說明一下 |
| transcript.whisperx[7].start |
146.519 |
| transcript.whisperx[7].end |
169.772 |
| transcript.whisperx[7].text |
是 報告委員 那個這裡講到的含水上 陸上 空中的這些在我們的海外旅遊的不便嫌裡頭是有包括那個航班的部分但是那個水上的部分船啊對 船的部分是國內為什麼不包括不是 出國不是指 去廈門就是離開中華民國的那個台灣地區境內嘛 對不對 |
| transcript.whisperx[8].start |
170.692 |
| transcript.whisperx[8].end |
189.253 |
| transcript.whisperx[8].text |
那也算啦 你從 你不要坐船好了 你坐飛機你從台北到廈門嘛 松山到廈門有算嘛 對 因為你坐飛機可是因為交通工具的改變卻不包含那這樣是不是你的這個 有一點這個因為你原來的法規依據是有包含水 路 空都有啊 |
| transcript.whisperx[9].start |
191.468 |
| transcript.whisperx[9].end |
213.88 |
| transcript.whisperx[9].text |
您了解我的意思嗎那第二個這個你去研究一下如果有問題的話是不是應該要修改因為可能當初在訂定的時候沒有小三通沒有坐船出國的例子有可能是這樣子大家都是坐飛機那小三通出國到大陸去這個是現在一個也很普遍應用的交通工具 |
| transcript.whisperx[10].start |
214.62 |
| transcript.whisperx[10].end |
241.299 |
| transcript.whisperx[10].text |
所以的確會遇到這樣情形你們是不是要研究這個部分是不是應該要怎麼樣請保險公司來做這個機制的話要增加這個部分當然這個匯率保費什麼當然他們可以再去計算各方面對不對那因為這個也算是理由不變險的一個部分這個可能要改進這個部分我們可以再研究那第二個來有關這個在上一個這個搬機延誤和里程更改的這個部分這個搬機延誤這個是天災這個下一頁再下一頁 |
| transcript.whisperx[11].start |
245.263 |
| transcript.whisperx[11].end |
274.295 |
| transcript.whisperx[11].text |
不是 來齁 這個 你看齁你們條款24條規定海外旅行期間遇到交通工具什麼罷工啊 戰爭啊 暴動 天災啦會有一些理賠嘛那天災比如說颱風算是 對吧颱風是天災 那為什麼農務不是呢這個在海外的那個旅行不便嫌裡頭這個部分是應該是有算那都算嘛 對不對那這個至少我看到case裡頭他申請理賠就說因為農務不算 |
| transcript.whisperx[12].start |
275.68 |
| transcript.whisperx[12].end |
291.091 |
| transcript.whisperx[12].text |
包括你剛剛舉的那個例子我不是要為單一case說啦我說的是整體的情形嘛融入的話應該也是要算所以請你們齁就是這些例子齁這是其中一個例子但一定很多有發生所以這個部分請你們要具體的要做齁這個跟保險公會啦還有這個針對這個旅遊這個險的部分這個適用範圍包括水上的交通齁還有小山東船班這個整個納進來 |
| transcript.whisperx[13].start |
301.459 |
| transcript.whisperx[13].end |
303.321 |
| transcript.whisperx[13].text |
因為很多的業務要運作到遇到真實的案例我們才知道我們的那個條款有沒有什麼可以來了解檢討 |
| transcript.whisperx[14].start |
326.243 |
| transcript.whisperx[14].end |
342.759 |
| transcript.whisperx[14].text |
好 回去一個月內給我們報告你跟相關公會也討論一下喔準備來納入啦 那個費率應該怎麼樣你們大家都可以去討論一下這個老百姓是的確有這樣的需求第二個有關這個要在金融推動這個金融科技創新的一些目標這上回我已經問過了 |
| transcript.whisperx[15].start |
345.441 |
| transcript.whisperx[15].end |
371.025 |
| transcript.whisperx[15].text |
就是說如果有旅客比如說從金門要到廈門去那我說電子支付的部分那電子支付的部分那大部分現在大部分都用微信支付嘛那我們台灣可能有什麼台灣Pay什麼這一類的那如果還要到那邊去下載到了大陸需要下載他們的什麼WeChat那大陸的旅客到金門來還要去下載什麼台灣Pay這個是在強能索來嘛事實上 |
| transcript.whisperx[16].start |
371.945 |
| transcript.whisperx[16].end |
394.792 |
| transcript.whisperx[16].text |
也很難這樣做到那是不是有什麼方式就是說你們來推動這個跨境支付的一個至少如果沒有辦法現在拓展到台灣整個島台澎金馬地區市場在今夏往來比較密切用這個沙盒實驗的方式從這個地方開始來推動這包括當然技術QR Code怎麼轉接清算一些試點比如說 |
| transcript.whisperx[17].start |
396.152 |
| transcript.whisperx[17].end |
419.823 |
| transcript.whisperx[17].text |
現在台灣接口這個支付現在可以到日本去掃碼支付嘛到日本就可以可以嘛那還有我知道好像有一個到韓國去也是可以嘛我說的是說像我們這樣的電子不要說每個單位人來這邊都用他們的微信然後都弄這個我們廠商都要去變成使用他們的微信的這個部分啦就最好他們來就可以直接 |
| transcript.whisperx[18].start |
420.783 |
| transcript.whisperx[18].end |
444.402 |
| transcript.whisperx[18].text |
直接你們在這個這個金蝦之淵用個什麼樣的機制啊直接用跨境支付來做這個可以嗎沒問題因為我們的電子工會剛成立啦我們就請他來好好研議一下這個模式三個方式但是政府也第一個政府的政策啦政府政策當然要確定喔那如果要從實驗性質開始從金蝦來實驗開始也是一個方法嘛小範圍內你看 |
| transcript.whisperx[19].start |
448.201 |
| transcript.whisperx[19].end |
466.07 |
| transcript.whisperx[19].text |
我們這裡的電子支付廠商就可以使用這些電子支付台灣人到大陸去就可以使用不用再去下載民眾的便利信那大陸人來也不用來用微信讓微信支付到處都是不用就用我們的什麼接口啊LINE啊什麼這一類的各式各樣的 |
| transcript.whisperx[20].start |
467.771 |
| transcript.whisperx[20].end |
478.1 |
| transcript.whisperx[20].text |
還有很多國恩關心的資料安全性是 那這個部分也是要你們來 政府也要來做包括隱私 區塊鏈的存證 數據驗證中心什麼這些還有個資法 數據安全法這些都是要注意的兩岸的相關法規也要做來做一個相關的一些監理的接口那這個部分就是 |
| transcript.whisperx[21].start |
492.072 |
| transcript.whisperx[21].end |
518.742 |
| transcript.whisperx[21].text |
兩岸的這個實驗區這個部分就可以來做可以嗎對我們請那個電子工會針對剛剛委員提到這樣那個比如支付從民眾便利性跟資料安全性的角度來看請他們演繹這樣的一個什麼方案好演繹出一個方法政策商當然你們要支持啦因為也是要上位的政策支持然後法規部分法規面如果什麼需要修改的或什麼需要兩岸來做一些溝通的話這些我們也我們能做我們也會協助啦 |
| transcript.whisperx[22].start |
519.262 |
| transcript.whisperx[22].end |
545.834 |
| transcript.whisperx[22].text |
我們也會如果涉及到其他部會我們再去對那大概這個時間大概要多久呢我跟你講我們請電資公會延以後看他要大概多久再跟委員報告對請電資公會你們還是這是哪個單位負責呢銀行局啊也是銀行局負責是不是對因為電資是銀行局那政策的部分是你們這邊嘛那落實到具體的話是財經公司嗎還是這個延慶院啊是哪個單位在處理這個事情如果你想了解 |
| transcript.whisperx[23].start |
547.114 |
| transcript.whisperx[23].end |
551.797 |
| transcript.whisperx[23].text |
應該跟財經公司有關我想說我們先對未來的這個現況了解再怎麼樣執行才會帶出是什麼單位相關要做一些調整等於說我現在就是可以請他研議看看但是我們就是已經請他們再做這個研議 |
| transcript.whisperx[24].start |
573.191 |
| transcript.whisperx[24].end |
577.133 |
| transcript.whisperx[24].text |
我會請銀行局先去了解他大概現在的進程時程再跟委員報告 |