{"id":149010,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/149010","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/fcca7cb692a387d641a774a6c3414365ab799385851b1dc2c986728e607a0322470cdfe8d0499ff35ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"吳欣盈","委員發言時間":"09:55:31 - 10:03:02","影片長度":"00:07:31","會議時間":"2023-12-13T09:00:00+08:00","會議名稱":"立法院第10屆第8會期社會福利及衛生環境委員會第14次全體委員會議（事由：審查\n一、委員劉世芳等16人擬具「勞工退休金條例第二十三條及第五十八條條文修正草案」案。\n二、委員謝衣鳯等16人擬具「勞工退休金條例第二十五條條文修正草案」案。\n三、委員溫玉霞等21人擬具「勞工退休金條例第十七條之一及第二十三條條文修正草案」案。\n四、委員陳明文等17人擬具「勞工退休金條例第三十三條條文修正草案」案。\n五、委員高嘉瑜等17人擬具「勞工退休金條例部分條文修正草案」案。\n六、委員張廖萬堅等22人擬具「勞工退休金條例第十四條、第十四條之一及第五十八條條文修正草案」案。\n七、委員郭國文等18人擬具「勞工退休金條例第十四條、第二十三條及第三十三條條文修正草案」案。\n八、委員廖國棟等17人擬具「勞工退休金條例第二十三條條文修正草案」案。\n九、委員賴士葆等21人擬具「勞工退休金條例第十四條、第十四條之一及第三十四條條文修正草案」案。\n十、委員楊瓊瓔等22人擬具「勞工退休金條例部分條文修正草案」案。\n十一、委員李貴敏等17人擬具「勞工退休金條例第二十四條之二條文修正草案」案。\n十二、委員邱泰源等18人擬具「勞工退休金條例第五十六條之四及第五十八條條文修正草案」案。\n十三、台灣民眾黨黨團擬具「勞工退休金條例第十四條、第三十九條及第五十八條條文修正草案」案。\n十四、台灣民眾黨黨團擬具「勞工退休金條例第十四條條文修正草案」案。\n十五、委員陳明文等21人擬具「勞工退休金條例第十四條條文修正草案」案。）","meet":{"tmpMeeting":null,"title":"第10屆第8會期社會福利及衛生環境委員會第14次全體委員會議","term":10,"type":"委員會","sessionPeriod":8,"sessionTimes":14,"committees":[26],"id":"委員會-10-8-26-14"},"date":"2023-12-13","duration":451,"end_time":"2023-12-13T10:03:02+08:00","start_time":"2023-12-13T09:55:31+08:00","features":["ai-transcript","gazette"],"type":"Clip","gazette":{"lineno":387,"blocks":[["吳委員欣盈：（9時55分）謝謝主席，有請勞動部長許部長。"],["主席：請部長。"],["許部長銘春：委員好。"],["吳委員欣盈：部長早。已經快過一年了，然後也可能是我最後一次跟部長質詢，我想請問一下部長覺得大家今年討論的年度關鍵字，你知道這個年度關鍵字是什麼字嗎？"],["許部長銘春：缺吧！"],["吳委員欣盈：是的，今年的關鍵字是缺，不只是五缺，加上缺蛋、缺藥，對年輕人來說，因為通膨物價成長，大家也感覺到缺錢；當然貨物的負擔率、房屋率的比例也創下歷史新高，也讓年輕人感覺到缺房；勞保也即將破產，年輕人會更覺得缺退休金。依據調查，國人退休力連續3年不及格，其中未滿30歲的、30到39歲的又偏低，只有52分，國人雖然年紀增大，越來越接近退休的年齡才剛開始準備退休金，這時候已經晚了10到20年，所以本席認為政府應該鼓勵國人立即更早地準備退休金，透過時間以及複利的效果，退休金不是1比1的增加，而是倍數的增加。","今天想跟部長分享本席辦公室的試算複利的威力，譬如勞工25歲的時候開始提6%，每年只有3萬塊的薪水，而且假設他到60歲的時候，他的薪水完全都不成長的前提之下，等於勞工每個月只要花1,800元，退休之後每個月就可以領多於6,500元，一塊錢就等於變成3.6塊錢，可是很可惜的就是勞退新制這18年來，自提的比例只有14%，每年成長率不到1%，勞動部擬定未來的3年自提目標，其實未來是每年成長大概1.5%，可是實際上這代表在2025的時候總額才17.7%，本席認為其實這還是太慢了，如果每年是1.5%的提升的話，要到20年之後才能追趕到OECD國家。你看這個表格有寫說OECD的國家的自提比率，英國的話就79%、美國51%，臺灣像我剛剛所提的，就算是2025年到17.7%，還是相當地慢，因為一般民眾所謂的financial literacy，就是理財的知識是不足的，所以我也希望部長從政策這個部分能多予關心，我是覺得要提高自提比率必須要對症下藥。本席的辦公室也整理了勞動部的資料作出以下的圖表，觀察到2個事件，首先，像剛剛所提到的自提比率，目前為止有600萬的勞工沒有自提；第二就是低薪的困境，薪資越高，自提反而越多，所以如果以低薪的問題來思考的話沒有辦法短期解決，可是就要給勞工更大的誘因才能提升自提比率，本席建議勞動部可以參考農退條例，勞工為自提退休金，政府應該給予更多的獎勵，農退儲蓄金2021年開辦農民自提搭配政府相對的matching提撥的獎勵，這已經實施2年了，自提比率就快速地提升到了27%。","接下來有請主計總處上台，然後請許部長留步好嗎？","謝謝，針對勞退相對的提撥matching scheme，我辦公室也很負責地把這個算出來來瞭解財政的支出需要多少，以本席的草案，勞工自提滿6%，政府是相對提5,000元，但本席認為這次的政策如果更積極的話，自提1%到6%都可以給予5,000塊的獎金，讓全國人民的自提比率可以提升到5成，國庫將每年支出大概180億元，相對勞保撥補的高達2,570億元的話，政府應該可以負擔的，而且勞退補助直接進入勞工的戶頭，這跟勞保的撥補大水庫是不一樣的，我想請問主計總處對這個態度如何？"],["黃專門委員厚輯：基本上因為這個會增加我們國家整體的財政負擔，所以應該還是要就整個政府的整體財政一併考量，可能是沒有辦法就勞工這部分單獨這樣去處理，以上。"],["吳委員欣盈：不好意思，你戴口罩，我沒聽清楚。"],["黃專門委員厚輯：可能沒有辦法單就這個部分去處理，因為可能還是要就我們整個政府的財政來做考量，而且這可能會有財政紀律法的問題。"],["吳委員欣盈：好，所以還在考慮當中就是了？好，謝謝。","最後就是許部長想跟您說，目前15歲到29歲的青年，每年平均是3.4萬來說的話，自提6%就大約是2,000元，如果政府補助5,000元的話就等於是2.5倍的獎金，本席相信如果勞動部願意把這些數字呈現出來，對年輕人來說是一定很有感的。另外就是勞動部也可以思考雇主提撥超過6%給予企業稅優，我今天只是希望能拋磚引玉，然後以整體政策的配套，希望勞動部也可以全盤考量，能提出民眾真正有感的政策，讓我們全民的退休金能提升，謝謝您。"],["許部長銘春：好，謝謝委員的提議，這個就是要增加自提的具體方法，因為這牽涉到財政，我們會跟相關部會一起討論，謝謝您。"],["主席：謝謝吳委員。","下一位陳瑩委員。"]],"agenda":{"page_end":392,"meet_id":"委員會-10-8-26-14","speakers":["吳欣盈","吳玉琴","蘇巧慧","賴惠員","張育美","陳瑩","徐志榮","陳椒華","黃秀芳","王婉諭","林為洲","邱泰源","洪申翰","陳培瑜","楊曜","莊競程"],"page_start":343,"meetingDate":["2023-12-13"],"gazette_id":"1130201","agenda_lcidc_ids":["1130201_00006"],"meet_name":"立法院第10屆第8會期社會福利及衛生環境委員會第14次全體委員會議紀錄","content":"審查 一、委員劉世芳等16人擬具「勞工退休金條例第二十三條及第五十八條條文修正草案」\n案；二、委員謝衣鳯等16人擬具「勞工退休金條例第二十五條條文修正草案」案；三、委員溫玉\n霞等21人擬具「勞工退休金條例第十七條之一及第二十三條條文修正草案」案；四、委員陳明文\n等17人擬具「勞工退休金條例第三十三條條文修正草案」案；五、委員高嘉瑜等17人擬具「勞工\n退休金條例部分條文修正草案」案；六、委員張廖萬堅等22人擬具「勞工退休金條例第十四條、\n第十四條之一及第五十八條條文修正草案」案；七、委員郭國文等18人擬具「勞工退休金條例第\n十四條、第二十三條及第三十三條條文修正草案」案；八、委員廖國棟等17人擬具「勞工退休金\n條例第二十三條條文修正草案」案；九、委員賴士葆等21人擬具「勞工退休金條例第十四條、第\n十四條之一及第三十四條條文修正草案」案；十、委員楊瓊瓔等22人擬具「勞工退休金條例部分\n條文修正草案」案；十一、委員李貴敏等17人擬具「勞工退休金條例第二十四條之二條文修正草\n案」案；十二、委員邱泰源等18人擬具「勞工退休金條例第五十六條之四及第五十八條條文修正\n草案」案；十三、台灣民眾黨黨團擬具「勞工退休金條例第十四條、第三十九條及第五十八條條\n文修正草案」案；十四、台灣民眾黨黨團擬具「勞工退休金條例第十四條條文修正草案」案；十\n五、委員陳明文等21人擬具「勞工退休金條例第十四條條文修正草案」案","agenda_id":"1130201_00005"}},"transcript":{"id":"149010","pyannote":{"name":"ronny","tool":"pyannote","data":{"url":"https://ivod.ly.gov.tw/Play/Clip/1M/149010","tool":"pyannote","id":"149010-pyannote"},"job_id":"dt3NVYJBL4DtIv6N","queued_at":"2024-06-02 16:00:27","status":"done","log":[{"time":"2024-06-02 16:00:27","msg":"downloading 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198.256, \"text\": \"二十五年到百分之十七點七的話還是相當的慢因為就是說一般民眾的這個所謂的financial literacy就是財經的一些理財的知識是不足的所以我也希望說部長從政策這個部分能多於關心\", \"words\": [{\"word\": \"二\", \"start\": 181.744, \"end\": 181.884, \"score\": 0.962}, {\"word\": \"十\", \"start\": 181.884, \"end\": 182.184, \"score\": 0.737}, {\"word\": \"五\", \"start\": 182.184, \"end\": 182.304, \"score\": 0.796}, {\"word\": \"年\", \"start\": 182.304, \"end\": 182.444, \"score\": 0.968}, {\"word\": \"到\", \"start\": 182.444, \"end\": 182.604, \"score\": 0.889}, {\"word\": \"百\", \"start\": 182.604, \"end\": 182.745, \"score\": 0.853}, {\"word\": \"分\", \"start\": 182.745, \"end\": 182.905, \"score\": 0.856}, {\"word\": \"之\", \"start\": 182.905, \"end\": 183.085, \"score\": 0.996}, {\"word\": \"十\", \"start\": 183.085, \"end\": 183.305, \"score\": 0.904}, {\"word\": \"七\", \"start\": 183.305, \"end\": 183.765, \"score\": 0.899}, {\"word\": \"點\"}, {\"word\": \"七\", \"start\": 183.765, \"end\": 183.965, \"score\": 0.819}, {\"word\": \"的\", \"start\": 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\"end\": 225.021, \"score\": 0.909}, {\"word\": \"體\"}, {\"word\": \"反\", \"start\": 225.021, \"end\": 225.141, \"score\": 0.995}, {\"word\": \"而\", \"start\": 225.141, \"end\": 225.281, \"score\": 0.987}, {\"word\": \"越\", \"start\": 225.281, \"end\": 225.561, \"score\": 0.931}, {\"word\": \"多\", \"start\": 225.561, \"end\": 225.581, \"score\": 0.999}]}, {\"start\": 227.768, \"end\": 247.453, \"text\": \"所以如果以低薪的問題來思考的話沒有辦法短期解決可是就要給勞工更大的誘因才能提升自體比率那本期建議勞動部可以參考這個農退條例勞工為自體退休金政府應該給予更多的獎勵\", \"words\": [{\"word\": \"所\", \"start\": 227.768, \"end\": 227.868, \"score\": 0.8}, {\"word\": \"以\", \"start\": 227.868, \"end\": 227.928, \"score\": 0.666}, {\"word\": \"如\", \"start\": 227.928, \"end\": 228.088, \"score\": 0.999}, {\"word\": \"果\", \"start\": 228.088, \"end\": 228.468, \"score\": 0.947}, {\"word\": \"以\", \"start\": 228.468, \"end\": 228.628, \"score\": 0.967}, {\"word\": \"低\", \"start\": 228.628, \"end\": 228.828, \"score\": 0.994}, {\"word\": \"薪\", \"start\": 228.828, \"end\": 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445.774, \"end\": 445.834, \"score\": 0.998}, {\"word\": \"位\", \"start\": 445.834, \"end\": 445.854, \"score\": 0.0}, {\"word\": \"。\"}], \"language\": \"zh\"}","srt":"1\n00:00:00,089 --> 00:00:13,616\n一、委員吳欣英等16人擬具:「勞工退休金條例第二十三條之一\n\n2\n00:00:19,008 --> 00:00:21,129\n三、委員吳美芬等21人擬具:「勞工退休金條例第二十三條之一\n\n3\n00:00:41,004 --> 00:01:03,407\n不只是五缺加上缺氮缺藥對年輕人來說因為通膨物價成長大家也感覺到缺錢那當然貨物的這個負擔率房屋率的這個比例也創下歷史新高也讓年輕人感覺到缺房那勞保也即將破產那年輕人會更覺得說缺退休金\n\n4\n00:01:04,656 --> 00:01:10,444\n那依據調查呢,國人退休率連續三年不及格,其中是未滿30到39歲的又偏低,只有52分。\n\n5\n00:01:17,174 --> 00:01:38,363\n國人雖然年紀增大,越來越接近退休的年齡,才剛開始準備退休金,這時候已經晚了十到二十年了。所以呢,我本席認為說政府應該鼓勵國人立即更早的準備退休金,透過時間以及複利的效果,退休金不是一比一的增加而是倍數的增加。\n\n6\n00:01:39,463 --> 00:01:42,404\n一、委員吳靜芳等16人擬具:「勞工退休金條例第二十五條之一\n\n7\n00:02:01,790 --> 00:02:13,208\n此等於說勞工每個月只要花一千八百元退休之後每個月就可以領多於這個六千五百元那一塊錢就等於變成三點六塊錢\n\n8\n00:02:16,363 --> 00:02:42,664\n可是很可惜的就是勞退薪資這18年來呢自提的比例只有14%每年成長率不到1%那勞動部的擬定未來的三年自提目標呢其實未來是每年成長大概1.5%可是實際上等於說這代表說在2025的時候呢總額才是大概17.7%那本席認為其實這還是太慢了那如果每年是\n\n9\n00:02:43,264 --> 00:02:47,068\n及第五十八條條文修正草案：立法院第十八條條文修正草案：立法院第十八條之一\n\n10\n00:03:01,744 --> 00:03:18,256\n二十五年到百分之十七點七的話還是相當的慢因為就是說一般民眾的這個所謂的financialliteracy就是財經的一些理財的知識是不足的所以我也希望說部長從政策這個部分能多於關心\n\n11\n00:03:19,016 --> 00:03:45,581\n那我是覺得說要提高自體比率呢必須要對症下藥那本席的辦公室也整理了勞動部的資料做出以下的這個圖表那觀察到兩個事件就是首先像剛剛所提到的自體比率目前為止達高六百萬的勞工沒有自體那第二就是說這個低薪的困境薪資越高自體反而越多\n\n12\n00:03:47,768 --> 00:04:07,453\n所以如果以低薪的問題來思考的話沒有辦法短期解決可是就要給勞工更大的誘因才能提升自體比率那本期建議勞動部可以參考這個農退條例勞工為自體退休金政府應該給予更多的獎勵\n\n13\n00:04:09,879 --> 00:04:29,931\n農退儲蓄金2021年開辦農民自體搭配政府相對的Matching提撥的獎勵,這已經實施了兩年了,自體比率就快速提升到了27%。接下來想有請主席處上台,然後請許部長留步好嗎?主席處\n\n14\n00:04:56,141 --> 00:05:09,586\n其中一人擬具:「勞工退休金條例第二十五條條文修正草案：立法院第10屆第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第二十五條條文修正草案：立法院第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第19會\n\n15\n00:05:11,147 --> 00:05:34,578\n以本席的草案這個勞工部自提的百分之滿百分之六政府是相對提五千元但本席認為這次的政策如果更積極的話自提百分之一到百分之六都可以給予五千塊的獎金讓全國的人民自提比率可以提升到五成那國庫呢將每年支出大概一百八十億元\n\n16\n00:05:39,450 --> 00:05:53,962\n兩千五百七十億元的話政府應該可以負擔的而且就是勞退補助直接進入勞工的戶頭這跟勞保的撥補大水庫是不一樣的那我想請問說主計處對這個態度如何\n\n17\n00:05:58,914 --> 00:06:24,721\n對,基本上因為這個會增加我們國家整體的財政負擔,所以應該還是要就整個政府的整體的財政來一起一併做考量,可能是沒有辦法就勞工這部分單獨這樣去處理,以上。就可能沒有辦法單就這個部分去處理,因為還是要就我們整個政府的財政來做考量,而且這可能會有財政紀律法的問題。好,就是還要在,所以還在考慮當中就是了。\n\n18\n00:06:25,520 --> 00:06:35,043\n立法院第10屆第18會期社會福利及衛生環境委員會第18會期社會福利及衛生環境委員會第19會期社會福利及衛生環境委員會第18會期社會福利及衛生環境委員會第19會期社會福利及衛生環境委員會第20會期社會福利及衛生環境委員會第21會期社會福利及衛生環境委員會第22會期社會福利及衛生環境委員會\n\n19\n00:06:43,366 --> 00:07:02,214\n補助五千元等於2.5倍獎金。本席相信,如果勞動部願意把這些數字呈現出來,對年輕人來說是一定很有感的。另外,勞動部也可以思考僱主提撥超過6%給予企業的稅優。我今天只是希望能拋磚引玉,\n\n20\n00:07:03,654 --> 00:07:25,854\n以整體政策的配套,希望勞動部也可以全盤考量,能提出民眾真正有感的政策,讓我們全民的退休金能提升。謝謝您。好,謝謝委員的提議。這個就是要增加自體具體的方法。那我們未來跟相關部會,因為這牽涉到財政,相關部會一起來討論。謝謝您。謝謝五委員。下一位。\n\n","tsv":"start\tend\ttext\n89\t13616\t一、委員吳欣英等16人擬具:「勞工退休金條例第二十三條之一\n19008\t21129\t三、委員吳美芬等21人擬具:「勞工退休金條例第二十三條之一\n41004\t63407\t不只是五缺加上缺氮缺藥對年輕人來說因為通膨物價成長大家也感覺到缺錢那當然貨物的這個負擔率房屋率的這個比例也創下歷史新高也讓年輕人感覺到缺房那勞保也即將破產那年輕人會更覺得說缺退休金\n64656\t70444\t那依據調查呢,國人退休率連續三年不及格,其中是未滿30到39歲的又偏低,只有52分。\n77174\t98363\t國人雖然年紀增大,越來越接近退休的年齡,才剛開始準備退休金,這時候已經晚了十到二十年了。所以呢,我本席認為說政府應該鼓勵國人立即更早的準備退休金,透過時間以及複利的效果,退休金不是一比一的增加而是倍數的增加。\n99463\t102404\t一、委員吳靜芳等16人擬具:「勞工退休金條例第二十五條之一\n121790\t133208\t此等於說勞工每個月只要花一千八百元退休之後每個月就可以領多於這個六千五百元那一塊錢就等於變成三點六塊錢\n136363\t162664\t可是很可惜的就是勞退薪資這18年來呢自提的比例只有14%每年成長率不到1%那勞動部的擬定未來的三年自提目標呢其實未來是每年成長大概1.5%可是實際上等於說這代表說在2025的時候呢總額才是大概17.7%那本席認為其實這還是太慢了那如果每年是\n163264\t167068\t及第五十八條條文修正草案：立法院第十八條條文修正草案：立法院第十八條之一\n181744\t198256\t二十五年到百分之十七點七的話還是相當的慢因為就是說一般民眾的這個所謂的financial literacy就是財經的一些理財的知識是不足的所以我也希望說部長從政策這個部分能多於關心\n199016\t225581\t那我是覺得說要提高自體比率呢必須要對症下藥那本席的辦公室也整理了勞動部的資料做出以下的這個圖表那觀察到兩個事件就是首先像剛剛所提到的自體比率目前為止達高六百萬的勞工沒有自體那第二就是說這個低薪的困境薪資越高自體反而越多\n227768\t247453\t所以如果以低薪的問題來思考的話沒有辦法短期解決可是就要給勞工更大的誘因才能提升自體比率那本期建議勞動部可以參考這個農退條例勞工為自體退休金政府應該給予更多的獎勵\n249879\t269931\t農退儲蓄金2021年開辦農民自體搭配政府相對的Matching提撥的獎勵,這已經實施了兩年了,自體比率就快速提升到了27%。接下來想有請主席處上台,然後請許部長留步好嗎?主席處\n296141\t309586\t其中一人擬具:「勞工退休金條例第二十五條條文修正草案：立法院第10屆第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第二十五條條文修正草案：立法院第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第19會\n311147\t334578\t以本席的草案這個勞工部自提的百分之滿百分之六政府是相對提五千元但本席認為這次的政策如果更積極的話自提百分之一到百分之六都可以給予五千塊的獎金讓全國的人民自提比率可以提升到五成那國庫呢將每年支出大概一百八十億元\n339450\t353962\t兩千五百七十億元的話政府應該可以負擔的而且就是勞退補助直接進入勞工的戶頭這跟勞保的撥補大水庫是不一樣的那我想請問說主計處對這個態度如何\n358914\t384721\t對,基本上因為這個會增加我們國家整體的財政負擔,所以應該還是要就整個政府的整體的財政來一起一併做考量,可能是沒有辦法就勞工這部分單獨這樣去處理,以上。就可能沒有辦法單就這個部分去處理,因為還是要就我們整個政府的財政來做考量,而且這可能會有財政紀律法的問題。好,就是還要在,所以還在考慮當中就是了。\n385520\t395043\t立法院第10屆第18會期社會福利及衛生環境委員會第18會期社會福利及衛生環境委員會第19會期社會福利及衛生環境委員會第18會期社會福利及衛生環境委員會第19會期社會福利及衛生環境委員會第20會期社會福利及衛生環境委員會第21會期社會福利及衛生環境委員會第22會期社會福利及衛生環境委員會\n403366\t422214\t補助五千元等於2.5倍獎金。本席相信,如果勞動部願意把這些數字呈現出來,對年輕人來說是一定很有感的。另外,勞動部也可以思考僱主提撥超過6%給予企業的稅優。我今天只是希望能拋磚引玉,\n423654\t445854\t以整體政策的配套,希望勞動部也可以全盤考量,能提出民眾真正有感的政策,讓我們全民的退休金能提升。謝謝您。好,謝謝委員的提議。這個就是要增加自體具體的方法。那我們未來跟相關部會,因為這牽涉到財政,相關部會一起來討論。謝謝您。謝謝五委員。下一位。\n","txt":"一、委員吳欣英等16人擬具:「勞工退休金條例第二十三條之一\n三、委員吳美芬等21人擬具:「勞工退休金條例第二十三條之一\n不只是五缺加上缺氮缺藥對年輕人來說因為通膨物價成長大家也感覺到缺錢那當然貨物的這個負擔率房屋率的這個比例也創下歷史新高也讓年輕人感覺到缺房那勞保也即將破產那年輕人會更覺得說缺退休金\n那依據調查呢,國人退休率連續三年不及格,其中是未滿30到39歲的又偏低,只有52分。\n國人雖然年紀增大,越來越接近退休的年齡,才剛開始準備退休金,這時候已經晚了十到二十年了。所以呢,我本席認為說政府應該鼓勵國人立即更早的準備退休金,透過時間以及複利的效果,退休金不是一比一的增加而是倍數的增加。\n一、委員吳靜芳等16人擬具:「勞工退休金條例第二十五條之一\n此等於說勞工每個月只要花一千八百元退休之後每個月就可以領多於這個六千五百元那一塊錢就等於變成三點六塊錢\n可是很可惜的就是勞退薪資這18年來呢自提的比例只有14%每年成長率不到1%那勞動部的擬定未來的三年自提目標呢其實未來是每年成長大概1.5%可是實際上等於說這代表說在2025的時候呢總額才是大概17.7%那本席認為其實這還是太慢了那如果每年是\n及第五十八條條文修正草案：立法院第十八條條文修正草案：立法院第十八條之一\n二十五年到百分之十七點七的話還是相當的慢因為就是說一般民眾的這個所謂的financial literacy就是財經的一些理財的知識是不足的所以我也希望說部長從政策這個部分能多於關心\n那我是覺得說要提高自體比率呢必須要對症下藥那本席的辦公室也整理了勞動部的資料做出以下的這個圖表那觀察到兩個事件就是首先像剛剛所提到的自體比率目前為止達高六百萬的勞工沒有自體那第二就是說這個低薪的困境薪資越高自體反而越多\n所以如果以低薪的問題來思考的話沒有辦法短期解決可是就要給勞工更大的誘因才能提升自體比率那本期建議勞動部可以參考這個農退條例勞工為自體退休金政府應該給予更多的獎勵\n農退儲蓄金2021年開辦農民自體搭配政府相對的Matching提撥的獎勵,這已經實施了兩年了,自體比率就快速提升到了27%。接下來想有請主席處上台,然後請許部長留步好嗎?主席處\n其中一人擬具:「勞工退休金條例第二十五條條文修正草案：立法院第10屆第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第二十五條條文修正草案：立法院第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第19會\n以本席的草案這個勞工部自提的百分之滿百分之六政府是相對提五千元但本席認為這次的政策如果更積極的話自提百分之一到百分之六都可以給予五千塊的獎金讓全國的人民自提比率可以提升到五成那國庫呢將每年支出大概一百八十億元\n兩千五百七十億元的話政府應該可以負擔的而且就是勞退補助直接進入勞工的戶頭這跟勞保的撥補大水庫是不一樣的那我想請問說主計處對這個態度如何\n對,基本上因為這個會增加我們國家整體的財政負擔,所以應該還是要就整個政府的整體的財政來一起一併做考量,可能是沒有辦法就勞工這部分單獨這樣去處理,以上。就可能沒有辦法單就這個部分去處理,因為還是要就我們整個政府的財政來做考量,而且這可能會有財政紀律法的問題。好,就是還要在,所以還在考慮當中就是了。\n立法院第10屆第18會期社會福利及衛生環境委員會第18會期社會福利及衛生環境委員會第19會期社會福利及衛生環境委員會第18會期社會福利及衛生環境委員會第19會期社會福利及衛生環境委員會第20會期社會福利及衛生環境委員會第21會期社會福利及衛生環境委員會第22會期社會福利及衛生環境委員會\n補助五千元等於2.5倍獎金。本席相信,如果勞動部願意把這些數字呈現出來,對年輕人來說是一定很有感的。另外,勞動部也可以思考僱主提撥超過6%給予企業的稅優。我今天只是希望能拋磚引玉,\n以整體政策的配套,希望勞動部也可以全盤考量,能提出民眾真正有感的政策,讓我們全民的退休金能提升。謝謝您。好,謝謝委員的提議。這個就是要增加自體具體的方法。那我們未來跟相關部會,因為這牽涉到財政,相關部會一起來討論。謝謝您。謝謝五委員。下一位。\n","vtt":"WEBVTT\n\n00:00.089 --> 00:13.616\n一、委員吳欣英等16人擬具:「勞工退休金條例第二十三條之一\n\n00:19.008 --> 00:21.129\n三、委員吳美芬等21人擬具:「勞工退休金條例第二十三條之一\n\n00:41.004 --> 01:03.407\n不只是五缺加上缺氮缺藥對年輕人來說因為通膨物價成長大家也感覺到缺錢那當然貨物的這個負擔率房屋率的這個比例也創下歷史新高也讓年輕人感覺到缺房那勞保也即將破產那年輕人會更覺得說缺退休金\n\n01:04.656 --> 01:10.444\n那依據調查呢,國人退休率連續三年不及格,其中是未滿30到39歲的又偏低,只有52分。\n\n01:17.174 --> 01:38.363\n國人雖然年紀增大,越來越接近退休的年齡,才剛開始準備退休金,這時候已經晚了十到二十年了。所以呢,我本席認為說政府應該鼓勵國人立即更早的準備退休金,透過時間以及複利的效果,退休金不是一比一的增加而是倍數的增加。\n\n01:39.463 --> 01:42.404\n一、委員吳靜芳等16人擬具:「勞工退休金條例第二十五條之一\n\n02:01.790 --> 02:13.208\n此等於說勞工每個月只要花一千八百元退休之後每個月就可以領多於這個六千五百元那一塊錢就等於變成三點六塊錢\n\n02:16.363 --> 02:42.664\n可是很可惜的就是勞退薪資這18年來呢自提的比例只有14%每年成長率不到1%那勞動部的擬定未來的三年自提目標呢其實未來是每年成長大概1.5%可是實際上等於說這代表說在2025的時候呢總額才是大概17.7%那本席認為其實這還是太慢了那如果每年是\n\n02:43.264 --> 02:47.068\n及第五十八條條文修正草案：立法院第十八條條文修正草案：立法院第十八條之一\n\n03:01.744 --> 03:18.256\n二十五年到百分之十七點七的話還是相當的慢因為就是說一般民眾的這個所謂的financialliteracy就是財經的一些理財的知識是不足的所以我也希望說部長從政策這個部分能多於關心\n\n03:19.016 --> 03:45.581\n那我是覺得說要提高自體比率呢必須要對症下藥那本席的辦公室也整理了勞動部的資料做出以下的這個圖表那觀察到兩個事件就是首先像剛剛所提到的自體比率目前為止達高六百萬的勞工沒有自體那第二就是說這個低薪的困境薪資越高自體反而越多\n\n03:47.768 --> 04:07.453\n所以如果以低薪的問題來思考的話沒有辦法短期解決可是就要給勞工更大的誘因才能提升自體比率那本期建議勞動部可以參考這個農退條例勞工為自體退休金政府應該給予更多的獎勵\n\n04:09.879 --> 04:29.931\n農退儲蓄金2021年開辦農民自體搭配政府相對的Matching提撥的獎勵,這已經實施了兩年了,自體比率就快速提升到了27%。接下來想有請主席處上台,然後請許部長留步好嗎?主席處\n\n04:56.141 --> 05:09.586\n其中一人擬具:「勞工退休金條例第二十五條條文修正草案：立法院第10屆第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第二十五條條文修正草案：立法院第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第19會\n\n05:11.147 --> 05:34.578\n以本席的草案這個勞工部自提的百分之滿百分之六政府是相對提五千元但本席認為這次的政策如果更積極的話自提百分之一到百分之六都可以給予五千塊的獎金讓全國的人民自提比率可以提升到五成那國庫呢將每年支出大概一百八十億元\n\n05:39.450 --> 05:53.962\n兩千五百七十億元的話政府應該可以負擔的而且就是勞退補助直接進入勞工的戶頭這跟勞保的撥補大水庫是不一樣的那我想請問說主計處對這個態度如何\n\n05:58.914 --> 06:24.721\n對,基本上因為這個會增加我們國家整體的財政負擔,所以應該還是要就整個政府的整體的財政來一起一併做考量,可能是沒有辦法就勞工這部分單獨這樣去處理,以上。就可能沒有辦法單就這個部分去處理,因為還是要就我們整個政府的財政來做考量,而且這可能會有財政紀律法的問題。好,就是還要在,所以還在考慮當中就是了。\n\n06:25.520 --> 06:35.043\n立法院第10屆第18會期社會福利及衛生環境委員會第18會期社會福利及衛生環境委員會第19會期社會福利及衛生環境委員會第18會期社會福利及衛生環境委員會第19會期社會福利及衛生環境委員會第20會期社會福利及衛生環境委員會第21會期社會福利及衛生環境委員會第22會期社會福利及衛生環境委員會\n\n06:43.366 --> 07:02.214\n補助五千元等於2.5倍獎金。本席相信,如果勞動部願意把這些數字呈現出來,對年輕人來說是一定很有感的。另外,勞動部也可以思考僱主提撥超過6%給予企業的稅優。我今天只是希望能拋磚引玉,\n\n07:03.654 --> 07:25.854\n以整體政策的配套,希望勞動部也可以全盤考量,能提出民眾真正有感的政策,讓我們全民的退休金能提升。謝謝您。好,謝謝委員的提議。這個就是要增加自體具體的方法。那我們未來跟相關部會,因為這牽涉到財政,相關部會一起來討論。謝謝您。謝謝五委員。下一位。\n\n","segments":[{"start":0.089,"end":13.616,"text":"一、委員吳欣英等16人擬具:「勞工退休金條例第二十三條之一"},{"start":19.008,"end":21.129,"text":"三、委員吳美芬等21人擬具:「勞工退休金條例第二十三條之一"},{"start":41.004,"end":63.407,"text":"不只是五缺加上缺氮缺藥對年輕人來說因為通膨物價成長大家也感覺到缺錢那當然貨物的這個負擔率房屋率的這個比例也創下歷史新高也讓年輕人感覺到缺房那勞保也即將破產那年輕人會更覺得說缺退休金"},{"start":64.656,"end":70.444,"text":"那依據調查呢,國人退休率連續三年不及格,其中是未滿30到39歲的又偏低,只有52分。"},{"start":77.174,"end":98.363,"text":"國人雖然年紀增大,越來越接近退休的年齡,才剛開始準備退休金,這時候已經晚了十到二十年了。所以呢,我本席認為說政府應該鼓勵國人立即更早的準備退休金,透過時間以及複利的效果,退休金不是一比一的增加而是倍數的增加。"},{"start":99.463,"end":102.404,"text":"一、委員吳靜芳等16人擬具:「勞工退休金條例第二十五條之一"},{"start":121.79,"end":133.208,"text":"此等於說勞工每個月只要花一千八百元退休之後每個月就可以領多於這個六千五百元那一塊錢就等於變成三點六塊錢"},{"start":136.363,"end":162.664,"text":"可是很可惜的就是勞退薪資這18年來呢自提的比例只有14%每年成長率不到1%那勞動部的擬定未來的三年自提目標呢其實未來是每年成長大概1.5%可是實際上等於說這代表說在2025的時候呢總額才是大概17.7%那本席認為其實這還是太慢了那如果每年是"},{"start":163.264,"end":167.068,"text":"及第五十八條條文修正草案：立法院第十八條條文修正草案：立法院第十八條之一"},{"start":181.744,"end":198.256,"text":"二十五年到百分之十七點七的話還是相當的慢因為就是說一般民眾的這個所謂的financial literacy就是財經的一些理財的知識是不足的所以我也希望說部長從政策這個部分能多於關心"},{"start":199.016,"end":225.581,"text":"那我是覺得說要提高自體比率呢必須要對症下藥那本席的辦公室也整理了勞動部的資料做出以下的這個圖表那觀察到兩個事件就是首先像剛剛所提到的自體比率目前為止達高六百萬的勞工沒有自體那第二就是說這個低薪的困境薪資越高自體反而越多"},{"start":227.768,"end":247.453,"text":"所以如果以低薪的問題來思考的話沒有辦法短期解決可是就要給勞工更大的誘因才能提升自體比率那本期建議勞動部可以參考這個農退條例勞工為自體退休金政府應該給予更多的獎勵"},{"start":249.879,"end":269.931,"text":"農退儲蓄金2021年開辦農民自體搭配政府相對的Matching提撥的獎勵,這已經實施了兩年了,自體比率就快速提升到了27%。接下來想有請主席處上台,然後請許部長留步好嗎?主席處"},{"start":296.141,"end":309.586,"text":"其中一人擬具:「勞工退休金條例第二十五條條文修正草案：立法院第10屆第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第二十五條條文修正草案：立法院第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第18會期社會福利及衛生環境委員會等16人擬具:「勞工退休金條例第19會"},{"start":311.147,"end":334.578,"text":"以本席的草案這個勞工部自提的百分之滿百分之六政府是相對提五千元但本席認為這次的政策如果更積極的話自提百分之一到百分之六都可以給予五千塊的獎金讓全國的人民自提比率可以提升到五成那國庫呢將每年支出大概一百八十億元"},{"start":339.45,"end":353.962,"text":"兩千五百七十億元的話政府應該可以負擔的而且就是勞退補助直接進入勞工的戶頭這跟勞保的撥補大水庫是不一樣的那我想請問說主計處對這個態度如何"},{"start":358.914,"end":384.721,"text":"對,基本上因為這個會增加我們國家整體的財政負擔,所以應該還是要就整個政府的整體的財政來一起一併做考量,可能是沒有辦法就勞工這部分單獨這樣去處理,以上。就可能沒有辦法單就這個部分去處理,因為還是要就我們整個政府的財政來做考量,而且這可能會有財政紀律法的問題。好,就是還要在,所以還在考慮當中就是了。"},{"start":385.52,"end":395.043,"text":"立法院第10屆第18會期社會福利及衛生環境委員會第18會期社會福利及衛生環境委員會第19會期社會福利及衛生環境委員會第18會期社會福利及衛生環境委員會第19會期社會福利及衛生環境委員會第20會期社會福利及衛生環境委員會第21會期社會福利及衛生環境委員會第22會期社會福利及衛生環境委員會"},{"start":403.366,"end":422.214,"text":"補助五千元等於2.5倍獎金。本席相信,如果勞動部願意把這些數字呈現出來,對年輕人來說是一定很有感的。另外,勞動部也可以思考僱主提撥超過6%給予企業的稅優。我今天只是希望能拋磚引玉,"},{"start":423.654,"end":445.854,"text":"以整體政策的配套,希望勞動部也可以全盤考量,能提出民眾真正有感的政策,讓我們全民的退休金能提升。謝謝您。好,謝謝委員的提議。這個就是要增加自體具體的方法。那我們未來跟相關部會,因為這牽涉到財政,相關部會一起來討論。謝謝您。謝謝五委員。下一位。"}]}}}}