{"id":149262,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/149262","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/ad9f873b941d2ddd18503f4e91ff1434a874ae98c1f56169f8ba9b0039caa7a60cc001442e8e29285ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"鍾佳濱","委員發言時間":"12:12:38 - 12:20:29","影片長度":"00:07:51","會議時間":"2024-03-04T09:00:00+08:00","會議名稱":"立法院第11屆第1會期經濟委員會第2次全體委員會議（事由：邀請農業部部長列席報告業務概況，並備質詢。【3月4日、3月6日及7日三天一次會】）","meet":{"tmpMeeting":null,"title":"第11屆第1會期經濟委員會第2次全體委員會議","term":11,"type":"委員會","sessionPeriod":1,"sessionTimes":2,"committees":[19],"id":"委員會-11-1-19-2"},"date":"2024-03-04","duration":471,"end_time":"2024-03-04T12:20:29+08:00","start_time":"2024-03-04T12:12:38+08:00","features":["ai-transcript","gazette"],"type":"Clip","gazette":{"lineno":1126,"blocks":[["鍾委員佳濱：（12時12分）主席、在場的委員先進、列席的政府機關首長官員、會場的工作夥伴以及媒體記者女士先生。有請陳部長、農糧署的蘇代理署長以及農金署的李署長。"],["主席：我們請三位。"],["鍾委員佳濱：部長好、兩位署長好。今天我要談的是農業保險。部長，你對我們的農業保險滿意嗎？"],["陳代理部長駿季：我覺得在執行面還有很多改進的空間。"],["鍾委員佳濱：我們看一下，27種品項、43張保單，有氣象參數型、政策連結型、區域收穫型及收入保障型，但是有一個是實損實賠型，對吧？要地面人員或空拍機勘損後判定災損才能理賠。農業保險的覆蓋率在2015年不到1%，到現在的8年後已經超過一半，你滿意嗎？你覺得這樣好嗎？"],["陳代理部長駿季：部分的品項不滿意。"],["鍾委員佳濱：好，你看！其實在27個品項當中只有水稻、高粱、豬和牛是相當高，其他像是我們屏東的鳳梨、香蕉、木瓜、棗子、蓮霧、芭樂及芒果都是個位數，甚至不到1啊！"],["陳代理部長駿季：了解。"],["鍾委員佳濱：感覺上這樣的農業保險覆蓋率可能是慘兮兮嘛！為什麼？為什麼這些水果的果農都不愛參加農業保險？"],["陳代理部長駿季：這幾個比較高的品項都是屬於政策型的保險……"],["鍾委員佳濱：我說比較低的啦！"],["陳代理部長駿季：比較低的部分，事實上，我覺得農民的危機意識，以及保單的設計可能無法滿足農民的真正需求。"],["鍾委員佳濱：我告訴你兩點，第一就是農民的觀念，我常常告訴我們的農友，這個與進香搭遊覽車的團體保險一樣，你繳二、三十元出去，當然是希望不要得到理賠，保平安嘛！你保這個農業災害保險，最好是不要理賠啊！雖然保費被收走了，但是我沒發生損失，這樣是最好嘛！"],["陳代理部長駿季：對。"],["鍾委員佳濱：他們漸漸聽懂了，但另外一個是保單的設計，在真的發生損害的時候，夭壽喔！明明有損害卻賠不到，這樣真是冤枉了，我繳那些保費要幹嘛，是不是這樣子？"],["陳代理部長駿季：是。"],["鍾委員佳濱：我以相關的保險為例，這是一個實際的案例，他的耕地是東西向，但是保險公司以無人機去抽查，南北向飛啊！拍到的那塊剛好沒倒，但是他的整片田在西邊那邊全倒，如果是東西向飛就會看到他的耕地損害狀況，全貌，但是這樣南北向飛，就沒有看到，認為沒有損害，你認為這樣會不會有爭議？"],["陳代理部長駿季：如果是這樣，應該會有爭議。"],["鍾委員佳濱：為什麼保險公司要這樣做？因為保險公司要考量成本，所以我就找他們來協商，我問保險公司，你們的無人機應該要平均的飛，他說委員啊！無人機也很貴耶！如果每一區田都飛透透的話，收來的保險費都付給無人機公司，農民就賠不到了，好像也有道理。根據你們的規定，2019香蕉植株保險試辦期間，每鄉鎮航拍面積需大於投保面積10%，到了2020年已經提高為30%，要怎麼飛？不是每個種香蕉的都有保險，它就選擇有投保的，用最小的範圍去飛，每一區田都有拍到，是不是這樣子？換成是你，你也是會這樣飛嘛！"],["陳代理部長駿季：對。"],["鍾委員佳濱：這樣飛有符合我們的保約要求嗎？我們繼續往下看，在保單條款中只說「分區採樣，使用無人機技術分區定損」，採樣，採樣有科學根據，我用電話民調，1萬名客戶抽出1千戶就可以知道結果了，不需要打1萬支電話，但是這個科學根據在哪裡？我們聽到保險公司怎麼講？保險公司去找無人機飛，無人機飛什麼地方？他說禁航區要事先申請，很囉唆，所以就找專門挑沒有禁航的地方飛一飛，這樣就好了，有交代了，因為你說要採樣啊！這樣有符合你們的要求嗎？"],["陳代理部長駿季：沒有。"],["鍾委員佳濱：沒有嘛！所以希望你們這個科學根據隨機抽樣要訂出一個規範，可以嗎？不是無人機公司要飛哪裡就飛，只要有沾到醬油就行了，這樣農民會不服嘛！"],["陳代理部長駿季：我想未來我們的精進，後續會和我們的農金局這邊討論，飛行路徑的規劃非常重要。"],["鍾委員佳濱：對，符合科學的抽樣標準，可以嗎？"],["陳代理部長駿季：對，這個可以，我們可以來改變。"],["鍾委員佳濱：往下一個，另外我要告訴你，其實無人機是不便宜，但是過去我們怎麼樣來看呢？不是只有災害時再來看，平常農糧署、平常農業部就要透過你們的遙測機，你們有飛機嘛！還有什麼？未來還有衛星、還有合成孔徑雷達，它從遙測的方式進行大面積的掃描，平常就可以記錄作物的生長狀況，有種嗎？有結果嗎？這些都能看的出來，災損的時候就比較不會有爭議，不然無人機飛過的地方，沒有拍攝到損害，根本是全倒了或是沒收，有爭議，為了這個方式，我們希望你們能夠擴大使用遙測機與衛星拍照，未來在技術上精進，讓我們大面積的掃描成為一個常態性的紀錄，可以嗎？"],["陳代理部長駿季：可以，這個部分我在前兩個月就已經和林業保育署的分所討論，因為我們現在有自己新的飛機。"],["鍾委員佳濱：對。"],["陳代理部長駿季：所以在生育期的部分，我們會想辦法利用不同的方式，因為有的改良場也有無人機，這個資料是否符合……"],["鍾委員佳濱：比對一下。"],["陳代理部長駿季：未來對於你有沒有種植，這個至少可以馬上解決。"],["鍾委員佳濱：對，就是在爭議的時候，保險公司說沒有勘災到，你就是沒種嘛！有種沒種，農民可以拿出手機的app，總是要有一個方法，我現在都教農民用手機拍照作為佐證嘛！"],["陳代理部長駿季：是。"],["鍾委員佳濱：所以未來需要一個爭議的調處機構，因為有了這些資料之後，我們來看一下，目前規定農會漁會擔任保險人的農業保險爭議調處辦法有兩個，一個是向農、漁會提出申訴，另外一個是找金管會依金消法設立之爭議處理機構調處。我覺得如果是向農、漁會申訴，他們的金融專業人員比較少、對保險的瞭解比較少，如果是找依金消法設立的調處機構，他們的農業專業人員也不足，未來是不是可以研議由農金署成立一個專門的爭議調處機制？因為商業產物保險還有保險公證人這種制度，你知道嗎？什麼是保險公證人，你知道嗎？"],["陳代理部長駿季：我知道。"],["鍾委員佳濱：站在第三者立場，損失多少不是保險公司說了算數，也不是保戶說了算數，由保險公證人來做判定，你們未來可以考慮建立這個制度嗎？"],["陳代理部長駿季：我們可以來做研議，包括農會裡金融人員不足的部分，也許可以互相支援或是重新整合。"],["鍾委員佳濱：最後一點，研議成立農業金融專屬爭議協調機構，你們3個月內提出書面報告，可以嗎？"],["陳代理部長駿季：可以。."],["鍾委員佳濱：另外，實損實付農業保險抽樣易遭投保農民質疑，請農業部1個月內檢討空拍抽樣方式，並修訂出程序規範，可以嗎？"],["陳代理部長駿季：可以。"],["鍾委員佳濱：請研議定期以科技記錄農作產收的狀況，以利災前、災後的比對農作狀況，降低作物受損爭議，可以嗎？"],["陳代理部長駿季：這個我們已經在做了。"],["鍾委員佳濱：已經在做了？"],["陳代理部長駿季：對。"],["鍾委員佳濱：請把做出的成果向我們這邊回報一下。"],["陳代理部長駿季：好。"],["鍾委員佳濱：謝謝部長、謝謝兩位署長、謝謝主席，謝謝。"],["主席：謝謝，接下來請王鴻薇委員詢答。"]],"agenda":{"page_end":124,"meet_id":"委員會-11-1-19-2","speakers":["楊瓊瓔","邱議瑩","林岱樺","謝衣鳯","張啓楷","呂玉玲","蔡易餘","陳亭妃","鄭天財Sra 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00:00:19,289\n還有主席、在黨委員先進．列席的政府機關事務官員．會長．工作夥伴、媒體記者女士先生．那麼有請陳部長和農糧署的蘇代理署長．以及農經署的李署長好,我們請三位好,部長好兩位署長好今天我要談的就是來談農業保養保長,你對我們的農業保養你有滿意嗎?\n\n2\n00:00:36,023 --> 00:01:02,348\n我覺得在執行面我覺得還有很多改進的好那我們看一下27種品項、43張保單有這幾種有氣象參數型的、政策連接型的、區域收穫型的、收入保障型的但是有一個叫做時損時賠型的要地面人員或空派去勘損後判斷損害多少才能理賠那農業保險的覆蓋率比2015年不到1%到現在8年後有超過一半你有滿意嗎?你覺得好不好?\n\n3\n00:01:06,089 --> 00:01:07,848\n部分的品項不滿意\n\n4\n00:01:08,308 --> 00:01:16,991\n其實這個過半的在這27個品項當中只有水稻、高粱、豬跟牛是相當高其他我們屏東的鳳梨、金蕉、木瓜、蔗、蓮霧、芭樂、甘、蒜都是個位數甚至不到1你覺得這樣的農業保險感覺上戶口率可能慘兮兮嗎?為什麼?\n\n5\n00:01:37,588 --> 00:01:37,688\n包括兩點\n\n6\n00:02:00,225 --> 00:02:07,009\n第一就是農民的觀念,我經常跟我們的農友說,這次你去關於藉由藍車團隊保養,你高二三十高出去當然希望你不要賠嘛,保平安嘛,你保這個農業在海保養,統合是沒有賠啊保養它收起但是我沒有發生損失,這樣統合嘛,他們很痛苦但是另外的就是保證的設計在真的發生損害的時候,要求啊,明明有損害,都賠不到,這樣是完蛋嘛\n\n7\n00:02:26,280 --> 00:02:27,741\n我趕快幫你做,是不是這樣子?\n\n8\n00:02:27,741 --> 00:02:42,354\n是所以我們現在問題來了,好我以鄉下保險為例這是一個實際的案例它的耕地是東西向的但是用無人機不然說是用無人機去推車南北向飛啦飛到那一地剛好沒到啦但是它整個殘\n\n9\n00:02:47,523 --> 00:02:59,579\n當西邊的這邊都倒,你如果說是東西向的飛,就會看到他的耕地的損害狀況,全貌。但是呢,你這樣南北向飛,就沒看到啊,沒損害啊,你認為這樣會不會有爭議?\n\n10\n00:03:02,144 --> 00:03:11,973\n如果是這樣應該會有爭議好那為什麼保險公司會要這樣做因為保險公司考量成本我找他們來協商我跟保險公司說你的無人機你們就賣這麼久了欸他說委員啦無人機也很久了欸我如果叫他每一間餐廳都賣這麼久收來賣這麼久當然無人機公司都賣不了啦\n\n11\n00:03:23,463 --> 00:03:34,878\n好像有道理但你們規定20192019年相應到植株保險示範期間每鄉鎮的航拍面積要大於頭髮面積10%現在到2020年要提高到30%他怎麼費不是每一個省經濟都要保養嗎他就選擇有頭髮的用最小的\n\n12\n00:03:39,043 --> 00:03:41,844\n分區採樣使用無人機分區定損採樣採樣有科學根據啊我電話民調\n\n13\n00:04:02,355 --> 00:04:22,810\n一萬號KO我抽一千號我就知道要購買嘛我不用購買一萬號去電話嘛但是這個科學根據在哪裡保險公司我們聽到什麼樣講保險公司去找無人機飛無人機飛什麼地方他說進行去要飛要事先升級做得有所謂我就專門挑什麼沒有進行的地方飛一飛這樣就好了有高台你說採樣啊這樣有符合你們的要求嗎\n\n14\n00:04:26,240 --> 00:04:28,501\n所以我希望你們這個科學根據隨機抽樣你們要訂出一個規範可以嗎?\n\n15\n00:04:28,501 --> 00:04:32,204\n比如說無人機公司說要配對就配只要有溫度就好這農民會不服嗎?我想未來我們的經濟我們後續會跟我們的農經局這邊討論飛行路徑的規劃非常重要對這個符合科學的抽樣標準可以嗎?對這個可以我們可以來改變\n\n16\n00:04:49,234 --> 00:04:55,021\n另外告訴你其實無人機是不便宜的但是過去我們怎麼樣來看呢?不是只有災後再來看平常農糧署、平常農業部叫透過什麼?透過你們的遙測機有飛機對不對?你有飛機嘛還有什麼?衛星還有核心孔鏡、雷達\n\n17\n00:05:05,393 --> 00:05:33,235\n他從遙測的方式他是大面積的掃描平常就可以記錄作物的生長狀況有沒有有症沒有有結果沒有都看得出來災損的時候比較不會有爭議不然無人機飛過的地方沒有飛的地方他說有損害就滾滾的都倒了是沒收有爭議所以為了這個方式我們希望你們能夠擴大使用遙測機跟衛星拍照為了在自己的地方精進讓我們的大面積的掃描成為一個常態性的記錄可以嗎\n\n18\n00:05:33,848 --> 00:05:33,948\n比對一下\n\n19\n00:05:51,756 --> 00:05:55,498\n對於未來有沒有種植,這個至少可以馬上解決。\n\n20\n00:06:07,065 --> 00:06:23,536\n所以未來需要一個什麼?需要一個爭議的調處機構因為有了這些資料之後我們來看一下目前的規定可以怎樣?農業漁會等等保險人的農業保險爭議調處辦法他有兩個一個是跟農漁會提出申訴另外一個去找金管會管的經銷法設置的爭議處理調處基礎\n\n21\n00:06:26,678 --> 00:06:53,960\n我認為如果農業部長去審查他們金融專業人員比較少對保險的了解比較少那如果去找什麼去找目前之前我們的那個不講了就是根據經銷法所定的他們對農業專業人員不足是不是可以未來研議由農金屬來成立一個專門的爭議調處機制因為阿祖是商業保險、產物保險還有保險公證人你知不知道什麼叫保險公證你知道嗎我知道\n\n22\n00:06:54,901 --> 00:07:22,404\n站在第三層,不然說這順勢多,不是不然說說,也不是保護說的算數由保險公認人來做個判定,你們未來可以考慮建立這個制度嗎?我們可以來做研議,包括農會裡面有關於金融聯盟部組的部分,也許可以互相可以去支援,或者是整合啦好,那我就是最後一點了,就是研議成立農業金融專屬的爭議協調機構好,阿你上個月提出書面報告可以嗎?可以\n\n23\n00:07:23,825 --> 00:07:37,249\n另外,時損時負的農業保險抽樣一遭投保農民質疑．請農業部一個月內檢討空賣的抽樣方式．並修訂出程序規範．還有,請研議定期用科技的紀錄農作產生的狀況．以利災前災後的比較農作狀況．降低作物受損的爭議．\n\n","tsv":"start\tend\ttext\n7045\t19289\t還有主席、在黨委員先進．列席的政府機關事務官員．會長．工作夥伴、媒體記者女士先生．那麼有請陳部長和農糧署的蘇代理署長．以及農經署的李署長好,我們請三位好,部長好兩位署長好今天我要談的就是來談農業保養保長,你對我們的農業保養你有滿意嗎?\n36023\t62348\t我覺得在執行面我覺得還有很多改進的好那我們看一下27種品項、43張保單有這幾種有氣象參數型的、政策連接型的、區域收穫型的、收入保障型的但是有一個叫做時損時賠型的要地面人員或空派去勘損後判斷損害多少才能理賠那農業保險的覆蓋率比2015年不到1%到現在8年後有超過一半你有滿意嗎?你覺得好不好?\n66089\t67848\t部分的品項不滿意\n68308\t76991\t其實這個過半的在這27個品項當中只有水稻、高粱、豬跟牛是相當高其他我們屏東的鳳梨、金蕉、木瓜、蔗、蓮霧、芭樂、甘、蒜都是個位數甚至不到1你覺得這樣的農業保險感覺上戶口率可能慘兮兮嗎?為什麼?\n97588\t97688\t包括兩點\n120225\t127009\t第一就是農民的觀念,我經常跟我們的農友說,這次你去關於藉由藍車團隊保養,你高二三十高出去當然希望你不要賠嘛,保平安嘛,你保這個農業在海保養,統合是沒有賠啊保養它收起但是我沒有發生損失,這樣統合嘛,他們很痛苦但是另外的就是保證的設計在真的發生損害的時候,要求啊,明明有損害,都賠不到,這樣是完蛋嘛\n146280\t147741\t我趕快幫你做,是不是這樣子?\n147741\t162354\t是所以我們現在問題來了,好我以鄉下保險為例這是一個實際的案例它的耕地是東西向的但是用無人機不然說是用無人機去推車南北向飛啦飛到那一地剛好沒到啦但是它整個殘\n167523\t179579\t當西邊的這邊都倒,你如果說是東西向的飛,就會看到他的耕地的損害狀況,全貌。但是呢,你這樣南北向飛,就沒看到啊,沒損害啊,你認為這樣會不會有爭議?\n182144\t191973\t如果是這樣應該會有爭議好 那為什麼保險公司會要這樣做 因為保險公司考量成本 我找他們來協商 我跟保險公司說 你的無人機你們就賣這麼久了欸 他說委員啦 無人機也很久了欸 我如果叫他每一間餐廳都賣這麼久 收來賣這麼久 當然無人機公司都賣不了啦\n203463\t214878\t好像有道理但你們規定20192019年相應到植株保險示範期間每鄉鎮的航拍面積要大於頭髮面積10%現在到2020年要提高到30%他怎麼費不是每一個省經濟都要保養嗎他就選擇有頭髮的用最小的\n219043\t221844\t分區採樣使用無人機分區定損採樣採樣有科學根據啊我電話民調\n242355\t262810\t一萬號KO我抽一千號我就知道要購買嘛我不用購買一萬號去電話嘛但是這個科學根據在哪裡保險公司我們聽到什麼樣講保險公司去找無人機飛無人機飛什麼地方他說進行去要飛要事先升級做得有所謂我就專門挑什麼沒有進行的地方飛一飛這樣就好了有高台你說採樣啊這樣有符合你們的要求嗎\n266240\t268501\t所以我希望你們這個科學根據隨機抽樣 你們要訂出一個規範可以嗎?\n268501\t272204\t比如說無人機公司說要配對就配 只要有溫度就好 這農民會不服嗎?我想未來我們的經濟 我們後續會跟我們的農經局這邊討論 飛行路徑的規劃非常重要對 這個符合科學的抽樣標準 可以嗎?對 這個可以 我們可以來改變\n289234\t295021\t另外告訴你其實無人機是不便宜的但是過去我們怎麼樣來看呢?不是只有災後再來看平常農糧署、平常農業部叫透過什麼?透過你們的遙測機有飛機對不對?你有飛機嘛還有什麼?衛星還有核心孔鏡、雷達\n305393\t333235\t他從遙測的方式他是大面積的掃描平常就可以記錄作物的生長狀況有沒有有症沒有有結果沒有都看得出來災損的時候比較不會有爭議不然無人機飛過的地方沒有飛的地方他說有損害就滾滾的都倒了是沒收有爭議所以為了這個方式我們希望你們能夠擴大使用遙測機跟衛星拍照為了在自己的地方精進讓我們的大面積的掃描成為一個常態性的記錄可以嗎\n333848\t333948\t比對一下\n351756\t355498\t對於未來有沒有種植,這個至少可以馬上解決。\n367065\t383536\t所以未來需要一個什麼?需要一個爭議的調處機構因為有了這些資料之後我們來看一下目前的規定可以怎樣?農業漁會等等保險人的農業保險爭議調處辦法他有兩個一個是跟農漁會提出申訴另外一個去找金管會管的經銷法設置的爭議處理調處基礎\n386678\t413960\t我認為如果農業部長去審查他們金融專業人員比較少對保險的了解比較少那如果去找什麼去找目前之前我們的那個不講了就是根據經銷法所定的他們對農業專業人員不足是不是可以未來研議由農金屬來成立一個專門的爭議調處機制因為阿祖是商業保險、產物保險還有保險公證人你知不知道什麼叫保險公證你知道嗎我知道\n414901\t442404\t站在第三層,不然說這順勢多,不是不然說說,也不是保護說的算數由保險公認人來做個判定,你們未來可以考慮建立這個制度嗎?我們可以來做研議,包括農會裡面有關於金融聯盟部組的部分,也許可以互相可以去支援,或者是整合啦好,那我就是最後一點了,就是研議成立農業金融專屬的爭議協調機構好,阿你上個月提出書面報告可以嗎?可以\n443825\t457249\t另外,時損時負的農業保險抽樣一遭投保農民質疑．請農業部一個月內檢討空賣的抽樣方式．並修訂出程序規範．還有,請研議定期用科技的紀錄 農作產生的狀況．以利災前災後的比較農作狀況．降低作物受損的爭議．\n","txt":"還有主席、在黨委員先進．列席的政府機關事務官員．會長．工作夥伴、媒體記者女士先生．那麼有請陳部長和農糧署的蘇代理署長．以及農經署的李署長好,我們請三位好,部長好兩位署長好今天我要談的就是來談農業保養保長,你對我們的農業保養你有滿意嗎?\n我覺得在執行面我覺得還有很多改進的好那我們看一下27種品項、43張保單有這幾種有氣象參數型的、政策連接型的、區域收穫型的、收入保障型的但是有一個叫做時損時賠型的要地面人員或空派去勘損後判斷損害多少才能理賠那農業保險的覆蓋率比2015年不到1%到現在8年後有超過一半你有滿意嗎?你覺得好不好?\n部分的品項不滿意\n其實這個過半的在這27個品項當中只有水稻、高粱、豬跟牛是相當高其他我們屏東的鳳梨、金蕉、木瓜、蔗、蓮霧、芭樂、甘、蒜都是個位數甚至不到1你覺得這樣的農業保險感覺上戶口率可能慘兮兮嗎?為什麼?\n包括兩點\n第一就是農民的觀念,我經常跟我們的農友說,這次你去關於藉由藍車團隊保養,你高二三十高出去當然希望你不要賠嘛,保平安嘛,你保這個農業在海保養,統合是沒有賠啊保養它收起但是我沒有發生損失,這樣統合嘛,他們很痛苦但是另外的就是保證的設計在真的發生損害的時候,要求啊,明明有損害,都賠不到,這樣是完蛋嘛\n我趕快幫你做,是不是這樣子?\n是所以我們現在問題來了,好我以鄉下保險為例這是一個實際的案例它的耕地是東西向的但是用無人機不然說是用無人機去推車南北向飛啦飛到那一地剛好沒到啦但是它整個殘\n當西邊的這邊都倒,你如果說是東西向的飛,就會看到他的耕地的損害狀況,全貌。但是呢,你這樣南北向飛,就沒看到啊,沒損害啊,你認為這樣會不會有爭議?\n如果是這樣應該會有爭議好 那為什麼保險公司會要這樣做 因為保險公司考量成本 我找他們來協商 我跟保險公司說 你的無人機你們就賣這麼久了欸 他說委員啦 無人機也很久了欸 我如果叫他每一間餐廳都賣這麼久 收來賣這麼久 當然無人機公司都賣不了啦\n好像有道理但你們規定20192019年相應到植株保險示範期間每鄉鎮的航拍面積要大於頭髮面積10%現在到2020年要提高到30%他怎麼費不是每一個省經濟都要保養嗎他就選擇有頭髮的用最小的\n分區採樣使用無人機分區定損採樣採樣有科學根據啊我電話民調\n一萬號KO我抽一千號我就知道要購買嘛我不用購買一萬號去電話嘛但是這個科學根據在哪裡保險公司我們聽到什麼樣講保險公司去找無人機飛無人機飛什麼地方他說進行去要飛要事先升級做得有所謂我就專門挑什麼沒有進行的地方飛一飛這樣就好了有高台你說採樣啊這樣有符合你們的要求嗎\n所以我希望你們這個科學根據隨機抽樣 你們要訂出一個規範可以嗎?\n比如說無人機公司說要配對就配 只要有溫度就好 這農民會不服嗎?我想未來我們的經濟 我們後續會跟我們的農經局這邊討論 飛行路徑的規劃非常重要對 這個符合科學的抽樣標準 可以嗎?對 這個可以 我們可以來改變\n另外告訴你其實無人機是不便宜的但是過去我們怎麼樣來看呢?不是只有災後再來看平常農糧署、平常農業部叫透過什麼?透過你們的遙測機有飛機對不對?你有飛機嘛還有什麼?衛星還有核心孔鏡、雷達\n他從遙測的方式他是大面積的掃描平常就可以記錄作物的生長狀況有沒有有症沒有有結果沒有都看得出來災損的時候比較不會有爭議不然無人機飛過的地方沒有飛的地方他說有損害就滾滾的都倒了是沒收有爭議所以為了這個方式我們希望你們能夠擴大使用遙測機跟衛星拍照為了在自己的地方精進讓我們的大面積的掃描成為一個常態性的記錄可以嗎\n比對一下\n對於未來有沒有種植,這個至少可以馬上解決。\n所以未來需要一個什麼?需要一個爭議的調處機構因為有了這些資料之後我們來看一下目前的規定可以怎樣?農業漁會等等保險人的農業保險爭議調處辦法他有兩個一個是跟農漁會提出申訴另外一個去找金管會管的經銷法設置的爭議處理調處基礎\n我認為如果農業部長去審查他們金融專業人員比較少對保險的了解比較少那如果去找什麼去找目前之前我們的那個不講了就是根據經銷法所定的他們對農業專業人員不足是不是可以未來研議由農金屬來成立一個專門的爭議調處機制因為阿祖是商業保險、產物保險還有保險公證人你知不知道什麼叫保險公證你知道嗎我知道\n站在第三層,不然說這順勢多,不是不然說說,也不是保護說的算數由保險公認人來做個判定,你們未來可以考慮建立這個制度嗎?我們可以來做研議,包括農會裡面有關於金融聯盟部組的部分,也許可以互相可以去支援,或者是整合啦好,那我就是最後一點了,就是研議成立農業金融專屬的爭議協調機構好,阿你上個月提出書面報告可以嗎?可以\n另外,時損時負的農業保險抽樣一遭投保農民質疑．請農業部一個月內檢討空賣的抽樣方式．並修訂出程序規範．還有,請研議定期用科技的紀錄 農作產生的狀況．以利災前災後的比較農作狀況．降低作物受損的爭議．\n","vtt":"WEBVTT\n\n00:07.045 --> 00:19.289\n還有主席、在黨委員先進．列席的政府機關事務官員．會長．工作夥伴、媒體記者女士先生．那麼有請陳部長和農糧署的蘇代理署長．以及農經署的李署長好,我們請三位好,部長好兩位署長好今天我要談的就是來談農業保養保長,你對我們的農業保養你有滿意嗎?\n\n00:36.023 --> 01:02.348\n我覺得在執行面我覺得還有很多改進的好那我們看一下27種品項、43張保單有這幾種有氣象參數型的、政策連接型的、區域收穫型的、收入保障型的但是有一個叫做時損時賠型的要地面人員或空派去勘損後判斷損害多少才能理賠那農業保險的覆蓋率比2015年不到1%到現在8年後有超過一半你有滿意嗎?你覺得好不好?\n\n01:06.089 --> 01:07.848\n部分的品項不滿意\n\n01:08.308 --> 01:16.991\n其實這個過半的在這27個品項當中只有水稻、高粱、豬跟牛是相當高其他我們屏東的鳳梨、金蕉、木瓜、蔗、蓮霧、芭樂、甘、蒜都是個位數甚至不到1你覺得這樣的農業保險感覺上戶口率可能慘兮兮嗎?為什麼?\n\n01:37.588 --> 01:37.688\n包括兩點\n\n02:00.225 --> 02:07.009\n第一就是農民的觀念,我經常跟我們的農友說,這次你去關於藉由藍車團隊保養,你高二三十高出去當然希望你不要賠嘛,保平安嘛,你保這個農業在海保養,統合是沒有賠啊保養它收起但是我沒有發生損失,這樣統合嘛,他們很痛苦但是另外的就是保證的設計在真的發生損害的時候,要求啊,明明有損害,都賠不到,這樣是完蛋嘛\n\n02:26.280 --> 02:27.741\n我趕快幫你做,是不是這樣子?\n\n02:27.741 --> 02:42.354\n是所以我們現在問題來了,好我以鄉下保險為例這是一個實際的案例它的耕地是東西向的但是用無人機不然說是用無人機去推車南北向飛啦飛到那一地剛好沒到啦但是它整個殘\n\n02:47.523 --> 02:59.579\n當西邊的這邊都倒,你如果說是東西向的飛,就會看到他的耕地的損害狀況,全貌。但是呢,你這樣南北向飛,就沒看到啊,沒損害啊,你認為這樣會不會有爭議?\n\n03:02.144 --> 03:11.973\n如果是這樣應該會有爭議好那為什麼保險公司會要這樣做因為保險公司考量成本我找他們來協商我跟保險公司說你的無人機你們就賣這麼久了欸他說委員啦無人機也很久了欸我如果叫他每一間餐廳都賣這麼久收來賣這麼久當然無人機公司都賣不了啦\n\n03:23.463 --> 03:34.878\n好像有道理但你們規定20192019年相應到植株保險示範期間每鄉鎮的航拍面積要大於頭髮面積10%現在到2020年要提高到30%他怎麼費不是每一個省經濟都要保養嗎他就選擇有頭髮的用最小的\n\n03:39.043 --> 03:41.844\n分區採樣使用無人機分區定損採樣採樣有科學根據啊我電話民調\n\n04:02.355 --> 04:22.810\n一萬號KO我抽一千號我就知道要購買嘛我不用購買一萬號去電話嘛但是這個科學根據在哪裡保險公司我們聽到什麼樣講保險公司去找無人機飛無人機飛什麼地方他說進行去要飛要事先升級做得有所謂我就專門挑什麼沒有進行的地方飛一飛這樣就好了有高台你說採樣啊這樣有符合你們的要求嗎\n\n04:26.240 --> 04:28.501\n所以我希望你們這個科學根據隨機抽樣你們要訂出一個規範可以嗎?\n\n04:28.501 --> 04:32.204\n比如說無人機公司說要配對就配只要有溫度就好這農民會不服嗎?我想未來我們的經濟我們後續會跟我們的農經局這邊討論飛行路徑的規劃非常重要對這個符合科學的抽樣標準可以嗎?對這個可以我們可以來改變\n\n04:49.234 --> 04:55.021\n另外告訴你其實無人機是不便宜的但是過去我們怎麼樣來看呢?不是只有災後再來看平常農糧署、平常農業部叫透過什麼?透過你們的遙測機有飛機對不對?你有飛機嘛還有什麼?衛星還有核心孔鏡、雷達\n\n05:05.393 --> 05:33.235\n他從遙測的方式他是大面積的掃描平常就可以記錄作物的生長狀況有沒有有症沒有有結果沒有都看得出來災損的時候比較不會有爭議不然無人機飛過的地方沒有飛的地方他說有損害就滾滾的都倒了是沒收有爭議所以為了這個方式我們希望你們能夠擴大使用遙測機跟衛星拍照為了在自己的地方精進讓我們的大面積的掃描成為一個常態性的記錄可以嗎\n\n05:33.848 --> 05:33.948\n比對一下\n\n05:51.756 --> 05:55.498\n對於未來有沒有種植,這個至少可以馬上解決。\n\n06:07.065 --> 06:23.536\n所以未來需要一個什麼?需要一個爭議的調處機構因為有了這些資料之後我們來看一下目前的規定可以怎樣?農業漁會等等保險人的農業保險爭議調處辦法他有兩個一個是跟農漁會提出申訴另外一個去找金管會管的經銷法設置的爭議處理調處基礎\n\n06:26.678 --> 06:53.960\n我認為如果農業部長去審查他們金融專業人員比較少對保險的了解比較少那如果去找什麼去找目前之前我們的那個不講了就是根據經銷法所定的他們對農業專業人員不足是不是可以未來研議由農金屬來成立一個專門的爭議調處機制因為阿祖是商業保險、產物保險還有保險公證人你知不知道什麼叫保險公證你知道嗎我知道\n\n06:54.901 --> 07:22.404\n站在第三層,不然說這順勢多,不是不然說說,也不是保護說的算數由保險公認人來做個判定,你們未來可以考慮建立這個制度嗎?我們可以來做研議,包括農會裡面有關於金融聯盟部組的部分,也許可以互相可以去支援,或者是整合啦好,那我就是最後一點了,就是研議成立農業金融專屬的爭議協調機構好,阿你上個月提出書面報告可以嗎?可以\n\n07:23.825 --> 07:37.249\n另外,時損時負的農業保險抽樣一遭投保農民質疑．請農業部一個月內檢討空賣的抽樣方式．並修訂出程序規範．還有,請研議定期用科技的紀錄農作產生的狀況．以利災前災後的比較農作狀況．降低作物受損的爭議．\n\n","segments":[{"start":7.045,"end":19.289,"text":"還有主席、在黨委員先進．列席的政府機關事務官員．會長．工作夥伴、媒體記者女士先生．那麼有請陳部長和農糧署的蘇代理署長．以及農經署的李署長好,我們請三位好,部長好兩位署長好今天我要談的就是來談農業保養保長,你對我們的農業保養你有滿意嗎?"},{"start":36.023,"end":62.348,"text":"我覺得在執行面我覺得還有很多改進的好那我們看一下27種品項、43張保單有這幾種有氣象參數型的、政策連接型的、區域收穫型的、收入保障型的但是有一個叫做時損時賠型的要地面人員或空派去勘損後判斷損害多少才能理賠那農業保險的覆蓋率比2015年不到1%到現在8年後有超過一半你有滿意嗎?你覺得好不好?"},{"start":66.089,"end":67.848,"text":"部分的品項不滿意"},{"start":68.308,"end":76.991,"text":"其實這個過半的在這27個品項當中只有水稻、高粱、豬跟牛是相當高其他我們屏東的鳳梨、金蕉、木瓜、蔗、蓮霧、芭樂、甘、蒜都是個位數甚至不到1你覺得這樣的農業保險感覺上戶口率可能慘兮兮嗎?為什麼?"},{"start":97.588,"end":97.688,"text":"包括兩點"},{"start":120.225,"end":127.009,"text":"第一就是農民的觀念,我經常跟我們的農友說,這次你去關於藉由藍車團隊保養,你高二三十高出去當然希望你不要賠嘛,保平安嘛,你保這個農業在海保養,統合是沒有賠啊保養它收起但是我沒有發生損失,這樣統合嘛,他們很痛苦但是另外的就是保證的設計在真的發生損害的時候,要求啊,明明有損害,都賠不到,這樣是完蛋嘛"},{"start":146.28,"end":147.741,"text":"我趕快幫你做,是不是這樣子?"},{"start":147.741,"end":162.354,"text":"是所以我們現在問題來了,好我以鄉下保險為例這是一個實際的案例它的耕地是東西向的但是用無人機不然說是用無人機去推車南北向飛啦飛到那一地剛好沒到啦但是它整個殘"},{"start":167.523,"end":179.579,"text":"當西邊的這邊都倒,你如果說是東西向的飛,就會看到他的耕地的損害狀況,全貌。但是呢,你這樣南北向飛,就沒看到啊,沒損害啊,你認為這樣會不會有爭議?"},{"start":182.144,"end":191.973,"text":"如果是這樣應該會有爭議好 那為什麼保險公司會要這樣做 因為保險公司考量成本 我找他們來協商 我跟保險公司說 你的無人機你們就賣這麼久了欸 他說委員啦 無人機也很久了欸 我如果叫他每一間餐廳都賣這麼久 收來賣這麼久 當然無人機公司都賣不了啦"},{"start":203.463,"end":214.878,"text":"好像有道理但你們規定20192019年相應到植株保險示範期間每鄉鎮的航拍面積要大於頭髮面積10%現在到2020年要提高到30%他怎麼費不是每一個省經濟都要保養嗎他就選擇有頭髮的用最小的"},{"start":219.043,"end":221.844,"text":"分區採樣使用無人機分區定損採樣採樣有科學根據啊我電話民調"},{"start":242.355,"end":262.81,"text":"一萬號KO我抽一千號我就知道要購買嘛我不用購買一萬號去電話嘛但是這個科學根據在哪裡保險公司我們聽到什麼樣講保險公司去找無人機飛無人機飛什麼地方他說進行去要飛要事先升級做得有所謂我就專門挑什麼沒有進行的地方飛一飛這樣就好了有高台你說採樣啊這樣有符合你們的要求嗎"},{"start":266.24,"end":268.501,"text":"所以我希望你們這個科學根據隨機抽樣 你們要訂出一個規範可以嗎?"},{"start":268.501,"end":272.204,"text":"比如說無人機公司說要配對就配 只要有溫度就好 這農民會不服嗎?我想未來我們的經濟 我們後續會跟我們的農經局這邊討論 飛行路徑的規劃非常重要對 這個符合科學的抽樣標準 可以嗎?對 這個可以 我們可以來改變"},{"start":289.234,"end":295.021,"text":"另外告訴你其實無人機是不便宜的但是過去我們怎麼樣來看呢?不是只有災後再來看平常農糧署、平常農業部叫透過什麼?透過你們的遙測機有飛機對不對?你有飛機嘛還有什麼?衛星還有核心孔鏡、雷達"},{"start":305.393,"end":333.235,"text":"他從遙測的方式他是大面積的掃描平常就可以記錄作物的生長狀況有沒有有症沒有有結果沒有都看得出來災損的時候比較不會有爭議不然無人機飛過的地方沒有飛的地方他說有損害就滾滾的都倒了是沒收有爭議所以為了這個方式我們希望你們能夠擴大使用遙測機跟衛星拍照為了在自己的地方精進讓我們的大面積的掃描成為一個常態性的記錄可以嗎"},{"start":333.848,"end":333.948,"text":"比對一下"},{"start":351.756,"end":355.498,"text":"對於未來有沒有種植,這個至少可以馬上解決。"},{"start":367.065,"end":383.536,"text":"所以未來需要一個什麼?需要一個爭議的調處機構因為有了這些資料之後我們來看一下目前的規定可以怎樣?農業漁會等等保險人的農業保險爭議調處辦法他有兩個一個是跟農漁會提出申訴另外一個去找金管會管的經銷法設置的爭議處理調處基礎"},{"start":386.678,"end":413.96,"text":"我認為如果農業部長去審查他們金融專業人員比較少對保險的了解比較少那如果去找什麼去找目前之前我們的那個不講了就是根據經銷法所定的他們對農業專業人員不足是不是可以未來研議由農金屬來成立一個專門的爭議調處機制因為阿祖是商業保險、產物保險還有保險公證人你知不知道什麼叫保險公證你知道嗎我知道"},{"start":414.901,"end":442.404,"text":"站在第三層,不然說這順勢多,不是不然說說,也不是保護說的算數由保險公認人來做個判定,你們未來可以考慮建立這個制度嗎?我們可以來做研議,包括農會裡面有關於金融聯盟部組的部分,也許可以互相可以去支援,或者是整合啦好,那我就是最後一點了,就是研議成立農業金融專屬的爭議協調機構好,阿你上個月提出書面報告可以嗎?可以"},{"start":443.825,"end":457.249,"text":"另外,時損時負的農業保險抽樣一遭投保農民質疑．請農業部一個月內檢討空賣的抽樣方式．並修訂出程序規範．還有,請研議定期用科技的紀錄 農作產生的狀況．以利災前災後的比較農作狀況．降低作物受損的爭議．"}]}}}}