| IVOD_ID |
170355 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/170355 |
| 日期 |
2026-07-08 |
| 會議資料.會議代碼 |
委員會-11-5-20-21 |
| 會議資料.會議代碼:str |
第11屆第5會期財政委員會第21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 |
21 |
| 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21次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2026-07-08T11:07:15+08:00 |
| 結束時間 |
2026-07-08T11:19:18+08:00 |
| 影片長度 |
00:12:03 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/4fafa81be08c82102228284379a1b63f203c8b184455ea81d75944b02079af303582eaed42b6d64d5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
陳玉珍 |
| 委員發言時間 |
11:07:15 - 11:19:18 |
| 會議時間 |
2026-07-08T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第5會期財政委員會第21次全體委員會議（事由：一、審查中華民國115年度中央政府總預算案附屬單位預算營業部分，有關財政部主管臺灣土地銀行股份有限公司、財政部印刷廠、臺灣菸酒股份有限公司。（僅詢答）
二、審查中華民國115年度中央政府總預算案附屬單位預算營業部分，有關金融監督管理委員會主管中央存款保險股份有限公司。（僅詢答）
三、審查中華民國115年度中央政府總預算案附屬單位預算非營業部分，有關金融監督管理委員會主管：（僅詢答）
(一)特別收入基金－金融監督管理基金。
(二)信託基金－保險業務發展基金。
【7月8日及9日兩天一次會】） |
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陳玉珍委員執行謝謝主席我們有請金管會請彭主委保險局保險的業務我看詢問主委通常都可以沒有沒有我也好 |
| transcript.whisperx[1].start |
20.827 |
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主委是保險的專家想請教這個保護跟這個保險公司相關的這些權利跟義務這個如果有一家保險公司他因為他的內部資訊系統出錯然後缺乏長期的集合導致他比如說持續的預發業務員的這個服務報酬那他們內部內控失靈然後接著他後來要去跟他的這個業務員 |
| transcript.whisperx[2].start |
48.257 |
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要這些預發的薪資的時候那之後如果業務員本身當然也是公司的這個保護吧比如離職的也是公司的保護那是公司的保護他也是一個這個要解約嘛他講說他針對他這些保單解約解約的時候是不是會有一定的這些保單的這個剩餘的這些價值吧現金價值現金價值好那在這個時候您覺得這個保險公司依法 |
| transcript.whisperx[3].start |
76.579 |
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91.756 |
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有沒有權利扣住這些所謂現金價值的東西然後來向來然後再這東西當然還在訴訟啦那這個保險公司跟幼兒園之間進行訴訟那保險公司有沒有權利 |
| transcript.whisperx[4].start |
93.477 |
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118.487 |
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來扣住應該給付的這些一些叫節約金吧現金價值然後來做抵銷的這個行為呢我想我們問的是一個非常技術上法律上的問題因為假設我們的像我們對於保險金的部分是有法律上的明文比如說還有就是客戶在公司裡面的債權優於一般的債權它是有這個規定 |
| transcript.whisperx[5].start |
119.907 |
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142.739 |
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客戶在公司保護的債權優於一般的債權那今天來講比如說他今天是個人可能跟公司之間有一些可能債務的問題債權債務關係那但是因為他在公司這邊又有一個保單權利的主張比如他這個他有解約金可以領公司可不可以直接從他的解約金救援就把它 |
| transcript.whisperx[6].start |
144.9 |
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169.719 |
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或是說等他取得以後再去查扣這是這樣一個問題這裡面的話就是實務上的話我不知道你們在實務上有沒有做過這樣一個處理我們依法論法呢現在現金價值的部分的話應該解約金應該是沒有法律上是沒有做一個比較優先順位的保障但是說實務上怎麼做我可不可以請他們 |
| transcript.whisperx[7].start |
173.272 |
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199.073 |
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這個我提示一下 這個保險法我們去年有修一百二十三支一條這個有一個保護是某一個範圍內這是去年在這邊修的主委也在嘛 要記得嘛我們剛才在爭論說離島地區跟這個城區市都會區這個保單的這個最低生活額大概是多少那如果以台北市來講的話他的這個最低生活的這個 |
| transcript.whisperx[8].start |
201.154 |
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208.484 |
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這個最低的應該保障的是六個月的生活的這個生活費的最低生活費的乘以1.5倍吧那在這個情況下怎麼處理呢就是如果有這樣的case |
| transcript.whisperx[9].start |
217.845 |
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240.499 |
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這個是強制執行的一個案件還沒到強制執行保護跟這個保護跟這個保險公司都還在訴訟當中還沒有確定誰是誰非的情況下保險公司是否有權利針對這個保護他的這個剛剛我們這個監管會所說的這個現金價值先進行做比如說他認為說有抵銷的動作要先進行做抵銷或不發給這個這些剩餘的這些現金價值呢 |
| transcript.whisperx[10].start |
247.375 |
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263.236 |
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報告委員你這個個案我不是講個案如果有這種情形呢是這種情形的話這已經進入司法程序進入司法那那個強制執行也是司法院法院的一個職權沒有還沒有司法還沒有這個呢後續還是要講我要知道說 |
| transcript.whisperx[11].start |
263.917 |
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293.073 |
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在我們的這個體制裡頭保險體制裡頭保險公司跟這個這個保護之間他的之間的比如說如果這個保護不要說是溢發什麼錢保護對這個相關的有債權障礙在這個情況下有沒有一個一定的標準呢對 我想說假設剛才委員也很清楚假設已經進入強制執行程序沒有 還沒有進入強制執行程序如果還在前面還在司法訴訟也沒有誰是誰非也不知道的情況下也不知道這個是不是這些溢發的錢是有還是沒有或這個都還不能確定一下 |
| transcript.whisperx[12].start |
293.773 |
| transcript.whisperx[12].end |
319.747 |
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這個保險公司身為一個巨獸是不是有有權利先行把這個錢留下來或者說可能是在某個階段比如說根據我們的123條之一123條之一的這個法律就是有一定的生活費的保障然後後面的可以扣或者是什麼情形因為我們當初修法大家都還有記得嘛就是說最低生活保障也是為了保障那保險公司有沒有這個權利全部扣或是部分扣或是怎麼樣呢 |
| transcript.whisperx[13].start |
321.028 |
| transcript.whisperx[13].end |
337.421 |
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對 我想跟委員那個說明一下就是說我先簡單講一下就是說前面假設已經是按照吻合剛剛我們強制執行那個沒有 還沒有強制執行不是 我就說如果這個的話我們保險法 疾病有強制執行好了就我們這個法有明定了這本來就一定額度之內一定要留下 白話 對 |
| transcript.whisperx[14].start |
339.042 |
| transcript.whisperx[14].end |
359.629 |
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自己說沒有進入到那個狀況的話確實我剛才跟委員回答保險法是沒有他就回到民法你的債權債務的問題去處理這個我的意思是說在這種案子裡頭不管是個案或是通案裡頭業者是不是因為他是用抵銷還沒有講他用抵銷的字眼是不是有這樣的權利我給你看一個內政部 |
| transcript.whisperx[15].start |
363.615 |
| transcript.whisperx[15].end |
380.831 |
| transcript.whisperx[15].text |
法院的這個判決內湖檢疫庭有相關的禁止抵銷的法理支撐這個禁止抵銷的法理支撐即便已經判決確定還是必須不允許債權人主張抵銷那這個重點不在這個個案而是在這個處理過程 |
| transcript.whisperx[16].start |
382.332 |
| transcript.whisperx[16].end |
398.6 |
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我知道民眾有跟這個消費者等於是保護有跟金管會保險局求助那求助的情況下是怎麼樣的保險局沒有做任何的實質調查就請業者查名妥付請業者查業者就是 |
| transcript.whisperx[17].start |
399.5 |
| transcript.whisperx[17].end |
417.467 |
| transcript.whisperx[17].text |
叫業者自己查 業者查就說沒有問題那這樣子 請問這個消費者保護跟今晚會澄清或跟保險局澄清有什麼意義因為跟我們最近的郵輪事件有點相似啊 |
| transcript.whisperx[18].start |
419.847 |
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436.277 |
| transcript.whisperx[18].text |
因為今天我也跟局長簡單問一下他說這個個案他不清楚我想我回去再去了解一下這個狀況因為在這邊因為很多狀況不明我也很難再直接做回答不是說針對個案來質詢這個事情這個案子事實上我覺得可能會變成一個普遍的情形我們在處理相關民眾陳情案的時候常常就是發文說要讓業者執行業者如果說沒有的時候有時候 |
| transcript.whisperx[19].start |
446.632 |
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449.983 |
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業者是強權嘛那老百姓是弱勢嘛這會進入這種 |
| transcript.whisperx[20].start |
453.433 |
| transcript.whisperx[20].end |
457.714 |
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我們在處理這個民眾的陳情或檢舉案的時候到底是怎麼樣一個態度我想我會來再去了解那就是說其實我們整個的程序通常是他們會說請他應該是 |
| transcript.whisperx[21].start |
477.731 |
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500.474 |
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就是查民進富嘛然後他會付本會給我們付本給你們以後你們就也沒有下文啊你們也應該做一點判斷啊他們會去看它是不合理性我是怕說很多信老百姓的成因最後都會變成讓人家覺得說政府就是官樣文章當然最後他還是會來找民意代表啦只是說這樣子政府的公信力就會被質疑嘛 |
| transcript.whisperx[22].start |
501.115 |
| transcript.whisperx[22].end |
529.956 |
| transcript.whisperx[22].text |
所以我想大家關心就是說其實剛剛委員我只想跟委員澄清說他回文的副本我們的同仁不會不看這一定會看那再來就是說除了這一部分我們還有其他很多的消保機制不過我們這邊這邊就要來強化假設是真的有委員關心的事情我們覺得我們就該改善我們就要來改善就是說其實上這個案子每個案子都有它很不一樣的地方但是我覺得同仁在看到這個回文一定要去好好檢視啦 |
| transcript.whisperx[23].start |
530.999 |
| transcript.whisperx[23].end |
531.14 |
| transcript.whisperx[23].text |
我們請莊部長謝謝 |
| transcript.whisperx[24].start |
538.817 |
| transcript.whisperx[24].end |
560.193 |
| transcript.whisperx[24].text |
副長 本席在之前應該一兩個月前有跟貴部質詢就是有關國營事業 不管是國營事業或者是公股銀行就是我們有關股的相關的這些金融機構有關的待遇的問題請問這個 您還記得我質詢的內容嗎 |
| transcript.whisperx[25].start |
564.5 |
| transcript.whisperx[25].end |
564.54 |
| transcript.whisperx[25].text |
郭文貴議員 |
| transcript.whisperx[26].start |
595.34 |
| transcript.whisperx[26].end |
611.186 |
| transcript.whisperx[26].text |
我們已經提報到行政院去總共有五項那其中有關生育的補助已經或回復就是都是十萬塊如果不足十萬這個生育補助是全國的這個跟你有沒有關係別的呢就基本待遇呢 |
| transcript.whisperx[27].start |
611.906 |
| transcript.whisperx[27].end |
632.342 |
| transcript.whisperx[27].text |
基本待遇的部分因為受到有關國營失業法等等相關法令的限制在這個部分的待遇部分呢其實在金融機構的部分我們已經讓他跟公務員的調薪做脫鉤就是說對於所按照他的績效來做調薪那每兩年會調薪一次 對 |
| transcript.whisperx[28].start |
633.183 |
| transcript.whisperx[28].end |
638.166 |
| transcript.whisperx[28].text |
國營事業的部分呢?金融事業那事業機構的部分呢?金融機構你回答我關心這個議題是因為我在想我們金九公司是不是跟你們財政部的相關的國營事業TTL這些也是有相關的 |
| transcript.whisperx[29].start |
657.876 |
| transcript.whisperx[29].end |
664.878 |
| transcript.whisperx[29].text |
相關的這個掛鉤啦還是說我們事實上請國庫署回答是不是金九公司是現營事業跟國營事業可以不用不用掛鉤啦或者是我們金九公司只要按照我們金門縣自己決定然後金門縣會同意金九公司不是國營事業我知道我當然知道他是現營事業啊那這個部分是必須比照國營事業的做法嗎我問的問題事實上就在這裡啊 |
| transcript.whisperx[30].start |
687.608 |
| transcript.whisperx[30].end |
691.976 |
| transcript.whisperx[30].text |
不用是不是他是現營師所以只要金門縣議會金門縣政府編列預算金門縣議會通過這樣就可以了是嗎因為他是屬於現營師是這樣子嗎你給我一個答案 |
| transcript.whisperx[31].start |
701.284 |
| transcript.whisperx[31].end |
702.325 |
| transcript.whisperx[31].text |
財政部沒有管到 |