| IVOD_ID |
168191 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/168191 |
| 日期 |
2026-04-02 |
| 會議資料.會議代碼 |
公聽會-2026032557 |
| 會議資料.會議代碼:str |
舉行「臺灣未來帳戶特別條例草案」公聽會。 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
5 |
| 會議資料.種類 |
公聽會 |
| 會議資料.委員會代碼[0] |
26 |
| 會議資料.委員會代碼:str[0] |
社會福利及衛生環境委員會 |
| 會議資料.標題 |
立法院第11屆第5會期社會福利及衛生環境委員會公聽會（事由：舉行「臺灣未來帳戶特別條例草案」公聽會。） |
| 影片種類 |
Clip |
| 開始時間 |
2026-04-02T10:57:19+08:00 |
| 結束時間 |
2026-04-02T11:05:17+08:00 |
| 影片長度 |
00:07:58 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/41f920f92d9b8009c32d3a03ae270e164fac1a7ef641d09d1053659dc95aead520b7ea364581afcb5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
鍾佳濱 |
| 委員發言時間 |
10:57:19 - 11:05:17 |
| 會議時間 |
2026-04-02T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第5會期社會福利及衛生環境委員會公聽會（事由：舉行「臺灣未來帳戶特別條例草案」公聽會。） |
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謝謝主席今天我們談未來賬戶好像來自於川普的提議川普這個總統啊大家要很傷腦筋你看他在說什麼常常前後不一樣但是要注意到他是想什麼如果你知道他在想什麼他今天說張明天說西你大概可以理解而且呢你看他做什麼的時候啊你常常覺得摸不著頭腦但是你要問他的要什麼 |
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與其問他說什麼,不如去探究他想什麼。與其問他說看他做什麼,不如看他是要什麼。好,我們來看川普要什麼。正確去了解,川普的帳戶在美國是政府給一次,父母接手過。他只要給你一千美金,然後你的衛生巾支付你,他幫你支付銀行基金,成年台的運用,還限制你是教育首個跟創業。 |
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73.255 |
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聽起來很美好啊他的意圖是什麼 來他想什麼跟他要什麼川普常常是說 我把政府的錢帳面上撥到一個專戶裡面去你不能領喔川普有沒有發過現金啊 有啊 發現金很傷傷筋骨欸 錢就流失了欸可是放在專戶裡 錢有沒有出去 沒有然後呢 政府可以財務調度政府財務調度的時候 它產生兩個效果第一個 比較 |
| transcript.whisperx[3].start |
74.451 |
| transcript.whisperx[3].end |
95.703 |
| transcript.whisperx[3].text |
低所得的他說政府已經幫我小孩存了一筆錢了現在我手上的錢就拿來花促進消費我現在呢不籌錢花的川普幫我儲蓄了那可以我就可以增加儲蓄兩頭啊有所得多的他增加儲蓄因為順便幫孩子存嘛所得低的他就乾脆不存了就拿出來花 |
| transcript.whisperx[4].start |
96.804 |
| transcript.whisperx[4].end |
123.93 |
| transcript.whisperx[4].text |
符合他的要的啊 促進消費 增加稅收政府呢還不用馬上拿錢出來這就是川普要的 往下看那至於我們今天大家想的是什麼呢問問自己 未來政府我們要的是什麼呢我聽前面的人都說 我們要什麼 少子女化的對策你要問對策 要問對象啊你要叫人家生小孩 你要叫誰生那些沒有生小孩的呢 還是已經有一個的呢還是已經生了兩個的如果你問我 我會先找誰來生 |
| transcript.whisperx[5].start |
125.694 |
| transcript.whisperx[5].end |
151.143 |
| transcript.whisperx[5].text |
就像我如果要跟人家推銷牙膏你要不要試試看我們新型的牙膏啊對不起我不刷牙那如果你已經買過牙膏了我跟你說我們一種美白牙膏你買了一條牙膏要不要試試第二條美白牙膏好啊我已經有美白牙膏了第三條有折扣喔你要不要買一下如果你是有對象的你就知道要怎樣對誰下手要是我我會找已經有兩個小孩的家庭為什麼 |
| transcript.whisperx[6].start |
151.883 |
| transcript.whisperx[6].end |
177.869 |
| transcript.whisperx[6].text |
他兩個小孩都不怕吵了 你怕他生第三個他只是怕什麼 怕經濟負擔的不起他都不生 你叫他生很難他生了一個 他受不了了你叫他生第二個 他也不要所以 少子化的對策 要想對象有了對象 才有正確的方法 往下看好 結果我們現在呢現在推出來的未來帳號呢它是一個普發現金的時空旅行版什麼叫做時空旅行版錢 同樣是一萬元 |
| transcript.whisperx[7].start |
178.869 |
| transcript.whisperx[7].end |
185.769 |
| transcript.whisperx[7].text |
不同的時間價格不同你今天問一個手頭比較拮据的人你要現在拿現金一萬還是兩年後給你兩萬 |
| transcript.whisperx[8].start |
187.045 |
| transcript.whisperx[8].end |
215.546 |
| transcript.whisperx[8].text |
跟一個像我這樣的人你要現在一萬還是我兩年後給你兩萬我當然要兩萬啊我現在不缺錢嘛兩年後我可以一萬變兩萬我怎麼不要但是你問那個現在比較拮据的人我要拿上一萬過去發消費券的時候有發生明明是三千六有人三千塊就賣掉我不要拿三千六三千六不好用啊我要拿現金你給我三千萬現金三千六給你用是不是這樣子所以普發現金的時空旅遊版就是承諾你十八歲以後啊政府給你一筆錢 |
| transcript.whisperx[9].start |
217.008 |
| transcript.whisperx[9].end |
217.93 |
| transcript.whisperx[9].text |
結果是誰會選比較不缺錢的人選嘛這就是我們在場剛剛很多學者專家說這個普發現金改成了 |
| transcript.whisperx[10].start |
226.26 |
| transcript.whisperx[10].end |
250.073 |
| transcript.whisperx[10].text |
未來賬戶就是誰 反向補貼比較不缺錢的人 再往下看所以窮人家今天的麵包變成富二代未來的金幣當政府把這個錢放在給比較有錢的人未來使用的時候他是減少了現在對這些弱勢者的照顧 再往下看所以台灣的民眾怎麼看 有白吃了午餐嗎多數的民眾說贊成贊成 但是也有反對的 你看反對理由這麼多 |
| transcript.whisperx[11].start |
251.894 |
| transcript.whisperx[11].end |
274.579 |
| transcript.whisperx[11].text |
所以不見得民眾那麼好被讓你以為的那麼好相信你的這些美麗的話所以我們來務實來看未來賬戶是什麼往下看他是給孩子的第一桶金還是未來的空白支票在英國兒童的信託基金是政府自動開戶政府啟動現金每個人存在優惠賬戶結果2008年誰先倒政府先跳票啊 |
| transcript.whisperx[12].start |
279.983 |
| transcript.whisperx[12].end |
301.38 |
| transcript.whisperx[12].text |
所以不要以為政府承諾的事情都一定做得到啊還要看政府的能力往下看所以到底是奇特平等還是真平等呢有人說怎麼樣才能對這三個小孩可以看到外面人在玩給他不一樣的木箱子嘛這就是民進黨我們委員對於國民黨藍白未來彰化的一個修正方式要有差別 |
| transcript.whisperx[13].start |
302.02 |
| transcript.whisperx[13].end |
324.269 |
| transcript.whisperx[13].text |
好 再來往 那如果是另外一種呢 領用的年齡通通要18歲以後結果呢 由民進黨委員擺明說 哎呀 你不要那麼限制那麼嚴嘛你可以讓他有些西方可以用嘛 畢竟有的人他的經驗那麼寬裕 他18歲之前家裡想動資啊所以這個都是非常比較貼近民意的做法 再往下看所以呢 我們來看一下所謂的兒童帳戶 勞退帳戶 |
| transcript.whisperx[14].start |
326.03 |
| transcript.whisperx[14].end |
340.237 |
| transcript.whisperx[14].text |
不管叫什麼名稱 概念上都是未來帳戶你存給兒童也是未來承認用啊你存給勞工也是退會財令啊所以我們要問一下 大家喜歡的是什麼是兒童帳戶 還是勞退帳戶還是你想像的是一個未來帳戶 |
| transcript.whisperx[15].start |
341.798 |
| transcript.whisperx[15].end |
368.216 |
| transcript.whisperx[15].text |
如果你想像是未來帳戶你就抓到重點了就是說為什麼未來帳戶現在具有這樣的一個吸引力因為我們發現以美債來講美債的債息低於拿去做投報的投報率對不對如果美債3% 4%投報率是6%我是美國政府再笨我也是舉債來做投資所以未來帳戶的想像它其實就是一種財務槓桿國家財務槓桿的調度 |
| transcript.whisperx[16].start |
371.898 |
| transcript.whisperx[16].end |
384.784 |
| transcript.whisperx[16].text |
所以目前國家槓桿財務調度最讓我們呈現的是什麼下一個就是勞退嘛今天報紙又登了嘛這麼一個大水庫幫我們未來勞工退休金是不是成長了很多錢可是勞退怎麼來的顧主題的嘛字體有沒有不多啊字體就是什麼 |
| transcript.whisperx[17].start |
393.342 |
| transcript.whisperx[17].end |
408.162 |
| transcript.whisperx[17].text |
有餘裕的人會提嘛薪資所得較低的人不提嘛所以如果真的要談未來帳戶的吸引力何不就從現有的未來帳戶就是勞退來下手政府拿一些資源讓現在捨不得提的人 |
| transcript.whisperx[18].start |
409.502 |
| transcript.whisperx[18].end |
433.947 |
| transcript.whisperx[18].text |
加入這個大水庫他的薪水會隨著年資越來越增加他就會提他一開始不提以後就不提了所以呢我們過去我個人過去也提過一個類似未來帳戶的概念就是勞退反正政府呢只要你有提我就幫你提一趴五百塊五百塊是什麼平均薪資中位數的五萬塊的這個概念那你超過五萬塊的你可以提一趴你的一趴可能是十萬的一萬 |
| transcript.whisperx[19].start |
436.649 |
| transcript.whisperx[19].end |
456.31 |
| transcript.whisperx[19].text |
那我政府還是給你什麼500那你是領3萬的你只要提1%300我也給你放500那這是什麼好處這才是真正的照顧什麼原來因為所得能力較低他不願意加入這個好好康的大水庫的人鼓勵他加入至於那些已經很有錢的人政府也是沒有虧待你啊 |
| transcript.whisperx[20].start |
456.789 |
| transcript.whisperx[20].end |
478.669 |
| transcript.whisperx[20].text |
你一個月存一萬 我也是給你五百啊你一個月存一千 我也是給你加五百啊這樣才是符合我們國家對於經濟弱勢者又能夠兼顧未來帳戶的槓桿效果的一個設計 以上說明好 謝謝宗嘉斌委員現在請鄭麗軒教授鄭麗軒主任教授 |