{"id":151397,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/151397","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/566e821c95e2b4457868761b34ad3c690525562164469c9cc5dab72e655c1c945347f071d6b30dbb5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"李彥秀","委員發言時間":"10:22:43 - 10:35:16","影片長度":"00:12:33","會議時間":"2024-04-18T09:00:00+08:00","會議名稱":"立法院第11屆第1會期財政委員會第9次全體委員會議（事由：一、處理中華民國113年度中央政府總預算決議，有關行政院主計總處預算凍結書面報告案15案。\n二、處理中華民國113年度中央政府總預算決議，有關第二預備金預算凍結書面報告案1案。\n三、處理中華民國113年度中央政府總預算決議，有關審計部主管預算凍結書面報告案11案。\n四、審查中華民國113年度中央政府總預算決議，有關行政院主計總處預算凍結書面報告案3案。\n五、審查「證券投資信託及顧問法」3案：（僅詢答）\n(一)行政院函請審議、本院委員郭國文等16人擬具「證券投資信託及顧問法部分條文修正草案」等2案。\n(二)本院委員林楚茵等17人擬具「證券投資信託及顧問法第一條、第二條及第三條之一條文修正草案」案。\n六、審查本院委員郭國文等16人擬具「不動產證券化條例部分條文修正草案」案。（僅詢答））","meet":{"tmpMeeting":null,"title":"第11屆第1會期財政委員會第9次全體委員會議","term":11,"type":"委員會","sessionPeriod":1,"sessionTimes":9,"committees":[20],"id":"委員會-11-1-20-9"},"date":"2024-04-18","duration":753,"end_time":"2024-04-18T10:35:16+08:00","start_time":"2024-04-18T10:22:43+08:00","features":["ai-transcript","gazette"],"type":"Clip","gazette":{"lineno":485,"blocks":[["李委員彥秀：（10時23分）謝謝。我可不可以請主委？"],["主席：有請黃主委。"],["黃主任委員天牧：委員早。"],["李委員彥秀：謝謝主委，辛苦您了。"],["黃主任委員天牧：謝謝。"],["李委員彥秀：有一句話大家常常在講「上臺容易，下臺難」，往往離開的身影就可以看到一個人的高貴跟優雅。黃主委是在金管會的位子上在任最久的一位主委，不管在藍綠的委員當中，其實對於您的評價，私底下都給予很多的肯定，這一點我相信主委也是點滴在心頭！過去雖然我只有不到兩個月的時間，有機會站在這裡跟主委做答詢，但是主委給我的印象是永遠戴著口罩，位子只坐三分之一，永遠坐挺挺直直的，這是我對您最深刻的印象。但更重要的是在這段時間，包括你對法律的遵循，還有金管會應該有的一些底線的堅持，我看到您的努力。昨天我聽到召委在質詢的時候，您說您比較掛心的兩個重要政策，一個是虛擬資產的專法，還有包括BNPL先買後付，這兩件是重要的政策，其實都會影響到我們資產的穩定度。所以面對包括中國大陸在這段時間，從前年開始疫情之後，景氣不穩定的狀況；包括歐美國家、包括好幾間銀行、金融的狀況，我覺得我們臺灣整體金融業相對的是穩定的，所以主委也說會拼到5月19日。但是我們也看到資本的穩定、市場穩定，其實還有一個很重要的因素就是保險業的穩健，在這一塊，無論是前段時間我跟您答詢過程當中，我都看到您的堅持。臺灣在保險業穩健的部分，包括臺灣保險滲透率的部分，這個比例相對是非常高的，包括在臺灣，平均每個國人都有2.6張保單。所以主委過去對於保險法，我們RBC要達到200%，其實你的立場非常明確。曾經有人說嚴師出高徒，所以我很敬佩主委在底線上的堅持，我們也看到體質稍微需要再加強的，慢慢也都跟著上來了。但是主委您在5月19日即將功成身退，在本週二16日的時候，我們也公布了2026年要跟ICS接軌第三階段在地化的過渡性措施。主委會不會擔心，在這一段時間包括保險業者，你要求的法定適足率RBC要達200%，還有我們跟ICS的接軌，你會不會擔心人去政息？"],["黃主任委員天牧：第一點，有關保險資本適足率，其實它是現在明定於保險法，什麼程度該做什麼處理，這叫立即糾正措施，都是明定的，這是我們必須要依法去處理。至於接軌的部分，我想我們過去的態度就是考慮國情，並不是把國外的規範完全不考慮就全部套在國內業者上，也給了三個階段的相關措施，我想這部分我盡力了，當然未來的彭主委，他比我對保險更專精，他是保險專家。"],["李委員彥秀：你會不會擔心，因為過去他在媒體上對於這些可能有不同的看法，而這是你過去所堅持的，你會不會擔心會打折扣？"],["黃主任委員天牧：其實我過去也跟彭老師常請教，有些意見我也都接納他的想法，他將來接了主委的位置，他當然會對一些政策有他的想法。我昨天也報告過，我們尊重未來彭主委的想法。"],["李委員彥秀：好，到6月底前包括保險業RBC達到200%，你會持續的推動嗎？"],["黃主任委員天牧：這個沒有妥協的空間，該做什麼就做什麼。"],["李委員彥秀：好，謝謝主委，你果然是努力到最後一天，你請回。"],["黃主任委員天牧：好，謝謝委員。"],["李委員彥秀：我請我們親愛的主計長。"],["朱主計長澤民：委員好。"],["李委員彥秀：主計長好。主計長，我先就一個小議題請教您。這一次衛福部公告護理人員夜班的獎勵方案，這本來是要鼓勵醫護人員留任的政策跟方案，後來我們也看到引起很多的反彈，因為本來是要幫大小夜班都增加一些補助的費用，但是後來引起區域醫院跟地區醫院很多的反彈，因為在醫學中心的部分，增加的獎勵金實在太高，這也造成區域醫院跟地區醫院的護理人員流失非常得快。新的方案已經出來了，那會需要增加到1.13億元的預算，健保署表示會積極的爭取，那麼爭取當然是要跟主計處爭取，我聽到這個部分好像卡在主計處你這邊，你有什麼樣的意見嗎？"],["朱主計長澤民：沒有，我們原來113年就有編好一個經費，另外一個是，到底應該是由我們在特別預算裡面編的一筆錢來處理，還是要在總額裡面決定，那個是由衛福部來決定的，因為最後講到錢的問題都喜歡說是主計總處的意見……"],["李委員彥秀：都是你去決定？"],["朱主計長澤民：沒有，因為我們的預算……"],["李委員彥秀：到底從衛福部去處理，還是從特別預算處理，現在還沒喬定，行政院還沒決定就對了？"],["朱主計長澤民：沒有，就是在疫後特別預算裡面也有編一筆錢，總預算裡面也有編一筆錢，那個錢都已經在預算裡面，所以他們內部去調，因為預算已經通過了，不可能再增加新的。"],["李委員彥秀：所以跟你沒有關係，是跟衛福部有關係，所以卡是卡在衛福部，不是卡在你這邊？"],["朱主計長澤民：對，我這邊的錢都是大院已經通過了，不可能再增加。"],["李委員彥秀：我知道不能再增加，但是錢到底是用哪一筆錢，就是從衛福部裡面去做決定？"],["朱主計長澤民：對。"],["李委員彥秀：特別預算要經過你這邊嗎？"],["朱主計長澤民：特別預算也是大院通過的。"],["李委員彥秀：OK。決定撥給哪些，因為這個是後來才增加爭取的。"],["朱主計長澤民：對，他要分配，醫學中心、區域醫院、地區醫院，它有……"],["李委員彥秀：主計長，這個我知道，我們長話短說，因為我還有別的議題要請教您，所以這個部分衛福部自己就可以決定了？"],["朱主計長澤民：對。"],["李委員彥秀：好，我清楚了，謝謝。你知道這個預算什麼時候會通過嗎？因為多拖一天，我擔心護理人員留不住，流動率非常高。"],["朱主計長澤民：對，那是衛福部要快一點，所謂的撥款程序要快點決定怎麼使用這筆錢，經費都已經在特別預算跟健保的總額裡面，都已經有了。"],["李委員彥秀：好，所以是卡在衛福部就對了，謝謝主計長。我第二個問題要就教於主計長，我最近看到幾個數字，我們公布的1、2月受僱人員薪資跟人數其實都達到新高，達到過去六年來的第二高，平均每人每月達到46,017元，比較去年同期，增加2.39個百分點。但是我們去年實質總薪資總共下降1.04%。主計長，1、2月經常性薪資達到2.39%的成長，主要的原因是什麼？"],["朱主計長澤民：因為我們企業界也跟著公教人員還有基本工資調高。"],["李委員彥秀：所以是因為我們增加4%的加薪？"],["朱主計長澤民：對，有帶動民間，而且基本薪資也有提高，所以……"],["李委員彥秀：主計長，因為我們幫公務人員加薪而帶動整個基本工資提高，你覺得帶動整個成長的比例大概有多少？"],["朱主計長澤民：那個終究是有限，但是有一個……"],["李委員彥秀：差不多幾%啦？你覺得差不多是多少？"],["朱主計長澤民：我們沒有做這種估計，因為所謂的軍公教人員大概只有五、六十萬人，但是全國的……"],["李委員彥秀：我知道，但我的意思是我們整個經濟成長2.39%，有多少是因為基本工資提高而整個經濟帶動起來？是因為加薪4%、民間也加薪，所以整個經濟往上走？"],["朱主計長澤民：那部分我們沒有做，也很難去區分，因為調薪的原因有很多。但是會不會帶動實質薪資成長？我必須說明應該是要看CPI的成長情況，如果CPI維持趨緩的趨勢，實質薪資就可能會轉正，謝謝。"],["李委員彥秀：主計長，你講到重點了，CPI很重要，我們1、2月的經常性薪資是2.39%，消費者物價指數是2.74%，所以物價通膨還是把整個加薪成果往下拖，我們人民的實際薪資還是「倒退嚕」。主計長，我們今年3月公布CPI是2.14%，到底第一季有沒有機會讓實質薪資轉正？"],["朱主計長澤民：是有機會，但是我不敢肯定，因為最新的資料……"],["李委員彥秀：但是我們副處長說有機會轉正啊！"],["朱主計長澤民：是有機會啦！但是我們3月份的薪資調查資料要到下個月5號才能出來。"],["李委員彥秀：我就繼續接著問。我上次問你，我們今年度整個實質薪資到底整年會怎麼樣？你覺得今（2024）年的薪資有沒有可能轉正？"],["朱主計長澤民：我們希望轉正，但是有不確定的因素，不確定的因素是因為目前國際間的油價在往上。"],["李委員彥秀：只有這個因素嗎？"],["朱主計長澤民：這是一個滿大的因素，以及國際間會不會受到一些……"],["李委員彥秀：所以你覺得今年實質薪資轉正的比例大概是多少？因為你去年回答50、50。"],["朱主計長澤民：我只能說有機會。"],["李委員彥秀：有機會是差不多多少啦？你預估、預測，主計長最會預測啊！"],["朱主計長澤民：那個預測具有不確定性的因素，萬一油價又往上，因為前些時候大家預計油價大概在80塊，可是最近一、兩天的油價已經到91塊，所以油價是一個不確定性因素。還有一個很重要的是美國的利息是不是往上調。"],["李委員彥秀：所以看起來今年實質薪資要轉正還是面臨相當多的挑戰，我覺得整個政府在經濟層面上要努力的空間還是很大，挑戰性還是很高就對了。"],["朱主計長澤民：對，我非常同意委員的想法，也請大家要注意，所以行政院有一個物價督導會報，都是由副院長主持的。"],["李委員彥秀：主計長，我還是要提醒你，最近雖然電價漲一點點，但其實間接的漲幅、通膨、後續的影響及衝擊非常大，我覺得整個行政單位還是要注意，謝謝。"],["朱主計長澤民：是的，謝謝委員。"],["主席：謝謝李彥秀委員的質詢。","接著我們請賴惠員委員質詢。"]],"agenda":{"page_end":478,"meet_id":"委員會-11-1-20-9","speakers":["郭國文","林楚茵","林德福","吳秉叡","賴士葆","李彥秀","賴惠員","王鴻薇","伍麗華Saidhai‧Tahovecahe","黃珊珊","李坤城","王世堅","陳玉珍","羅明才","鄭天財Sra Kacaw","楊瓊瓔","鍾佳濱","黃國昌","顏寬恒"],"page_start":413,"meetingDate":["2024-04-18"],"gazette_id":"1133101","agenda_lcidc_ids":["1133101_00012"],"meet_name":"立法院第11屆第1會期財政委員會第9次全體委員會議紀錄","content":"一、處理中華民國 113 年度中央政府總預算決議，有關行政院主計總處預算凍結書面報告案 15\n案；二、處理中華民國113年度中央政府總預算決議，有關第二預備金預算凍結書面報告案1案；\n三、處理中華民國 113 年度中央政府總預算決議，有關審計部主管預算凍結書面報告案 11 案；\n四、審查中華民國113年度中央政府總預算決議，有關行政院主計總處預算凍結書面報告案3案；\n五、審查「證券投資信託及顧問法」 3 案： ( 一 ) 行政院函請審議、本院委員郭國文等 16 人擬具\n「證券投資信託及顧問法部分條文修正草案」等2案、(二)本院委員林楚茵等17人擬具「證券投\n資信託及顧問法第一條、第二條及第三條之一條文修正草案」案（僅詢答）；六、審查本院委員\n郭國文等16人擬具「不動產證券化條例部分條文修正草案」案（僅詢答）","agenda_id":"1133101_00019"}},"transcript":{"id":"151397","pyannote":{"name":"ronny","tool":"pyannote","data":{"url":"https://ivod.ly.gov.tw/Play/Clip/1M/151397","tool":"pyannote","id":"151397-pyannote"},"job_id":"z9sWih4NcVQIK0k9","queued_at":"2024-05-31 22:03:32","status":"done","log":[{"time":"2024-05-31 22:04:33","msg":"downloading https://ivod.ly.gov.tw/Play/Clip/1M/151397"},{"time":"2024-05-31 22:04:34","msg":"downloading 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\"別\", \"start\": 382.693, \"end\": 382.994, \"score\": 0.769}, {\"word\": \"預\"}, {\"word\": \"算\", \"start\": 382.994, \"end\": 383.214, \"score\": 0.83}, {\"word\": \"也\", \"start\": 383.214, \"end\": 383.414, \"score\": 0.981}, {\"word\": \"已\", \"start\": 383.414, \"end\": 383.995, \"score\": 0.904}, {\"word\": \"經\"}, {\"word\": \"在\", \"start\": 383.995, \"end\": 384.195, \"score\": 0.986}, {\"word\": \"那\", \"start\": 384.195, \"end\": 384.696, \"score\": 0.915}, {\"word\": \"個\"}, {\"word\": \"就\", \"start\": 384.696, \"end\": 384.876, \"score\": 0.801}, {\"word\": \"就\", \"start\": 384.876, \"end\": 385.057, \"score\": 0.774}, {\"word\": \"是\", \"start\": 385.057, \"end\": 385.217, \"score\": 0.627}, {\"word\": \"以\", \"start\": 385.217, \"end\": 385.417, \"score\": 0.887}, {\"word\": \"後\", \"start\": 385.417, \"end\": 385.677, \"score\": 0.733}, {\"word\": \"的\", \"start\": 385.677, \"end\": 385.838, \"score\": 0.773}, {\"word\": \"有\", \"start\": 385.838, \"end\": 386.018, 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{\"word\": \"跟\", \"start\": 402.314, \"end\": 402.414, \"score\": 0.734}, {\"word\": \"你\", \"start\": 402.414, \"end\": 402.514, \"score\": 0.588}, {\"word\": \"沒\", \"start\": 402.514, \"end\": 402.614, \"score\": 0.737}, {\"word\": \"有\", \"start\": 402.614, \"end\": 403.134, \"score\": 0.828}, {\"word\": \"關\"}, {\"word\": \"係\"}, {\"word\": \"是\", \"start\": 403.134, \"end\": 403.235, \"score\": 0.795}, {\"word\": \"跟\", \"start\": 403.235, \"end\": 403.515, \"score\": 0.824}, {\"word\": \"衛\"}, {\"word\": \"福\", \"start\": 403.515, \"end\": 403.635, \"score\": 0.797}, {\"word\": \"部\", \"start\": 403.635, \"end\": 403.755, \"score\": 0.664}, {\"word\": \"有\", \"start\": 403.755, \"end\": 404.215, \"score\": 0.76}, {\"word\": \"關\"}, {\"word\": \"係\"}, {\"word\": \"所\", \"start\": 404.215, \"end\": 404.316, \"score\": 0.799}, {\"word\": \"以\", \"start\": 404.316, \"end\": 404.396, \"score\": 0.575}, {\"word\": \"卡\", \"start\": 404.396, \"end\": 404.576, \"score\": 0.889}, {\"word\": \"是\", \"start\": 404.576, \"end\": 404.676, \"score\": 0.745}, {\"word\": \"卡\", \"start\": 404.676, \"end\": 404.816, \"score\": 0.983}, {\"word\": \"在\", \"start\": 404.816, \"end\": 405.076, \"score\": 0.764}, {\"word\": \"衛\"}, {\"word\": \"福\", \"start\": 405.076, \"end\": 405.236, \"score\": 0.863}, {\"word\": \"部\", \"start\": 405.236, \"end\": 405.497, \"score\": 0.842}, {\"word\": \"不\", \"start\": 405.497, \"end\": 405.577, \"score\": 0.839}, {\"word\": \"是\", \"start\": 405.577, \"end\": 405.697, \"score\": 0.733}, {\"word\": \"卡\", \"start\": 405.697, \"end\": 405.837, \"score\": 0.925}, {\"word\": \"在\", \"start\": 405.837, \"end\": 405.957, \"score\": 0.669}, {\"word\": \"你\", \"start\": 405.957, \"end\": 406.858, \"score\": 0.776}, {\"word\": \"這\"}, {\"word\": \"邊\"}, {\"word\": \"我\", \"start\": 406.858, \"end\": 407.699, \"score\": 0.889}, {\"word\": \"這\"}, {\"word\": \"邊\"}, {\"word\": \"的\", \"start\": 407.699, \"end\": 408.119, \"score\": 0.858}, {\"word\": \"錢\"}, {\"word\": \"都\", \"start\": 408.119, \"end\": 408.299, \"score\": 0.911}, {\"word\": \"是\", \"start\": 408.299, \"end\": 408.519, \"score\": 0.972}, {\"word\": \"大\", \"start\": 408.519, \"end\": 408.82, \"score\": 0.901}, {\"word\": \"約\"}, {\"word\": \"已\", \"start\": 408.82, \"end\": 409.2, \"score\": 0.821}, {\"word\": \"經\"}, {\"word\": \"通\", \"start\": 409.2, \"end\": 410.161, \"score\": 0.916}, {\"word\": \"過\"}, {\"word\": \"了\", \"start\": 410.161, \"end\": 410.501, \"score\": 0.93}, {\"word\": \"不\", \"start\": 410.501, \"end\": 410.641, \"score\": 0.64}, {\"word\": \"可\", \"start\": 410.641, \"end\": 410.782, \"score\": 0.967}, {\"word\": \"能\", \"start\": 410.782, \"end\": 411.042, \"score\": 0.859}, {\"word\": \"是\", \"start\": 411.042, \"end\": 411.262, \"score\": 0.906}, {\"word\": \"再\", \"start\": 411.262, \"end\": 411.522, \"score\": 0.914}, {\"word\": \"增\", \"start\": 411.522, \"end\": 411.782, \"score\": 0.897}, {\"word\": \"加\", \"start\": 411.782, \"end\": 411.802, \"score\": 0.995}]}, {\"start\": 412.443, \"end\": 418.737, \"text\": \"我知道不能再增加但是就是從衛福部裡面去做決定錢到底是用哪一筆錢特別預算要經過你這邊嗎特別預算也是大院通過的\", \"words\": [{\"word\": \"我\", \"start\": 412.443, \"end\": 412.563, \"score\": 0.642}, {\"word\": \"知\", \"start\": 412.563, \"end\": 412.664, \"score\": 0.901}, {\"word\": \"道\", \"start\": 412.664, \"end\": 412.764, \"score\": 0.523}, {\"word\": \"不\", \"start\": 412.764, \"end\": 412.864, \"score\": 0.728}, {\"word\": \"能\", \"start\": 412.864, \"end\": 413.004, \"score\": 0.858}, {\"word\": \"再\", \"start\": 413.004, \"end\": 413.165, \"score\": 0.722}, {\"word\": \"增\", \"start\": 413.165, \"end\": 413.345, \"score\": 0.766}, {\"word\": \"加\", \"start\": 413.345, \"end\": 413.505, \"score\": 0.719}, {\"word\": \"但\", \"start\": 413.505, \"end\": 413.646, \"score\": 0.796}, {\"word\": \"是\", \"start\": 413.646, \"end\": 413.806, \"score\": 0.787}, {\"word\": \"就\", \"start\": 413.806, \"end\": 413.966, \"score\": 0.651}, {\"word\": \"是\", \"start\": 413.966, \"end\": 414.467, \"score\": 0.723}, {\"word\": \"從\"}, {\"word\": \"衛\"}, {\"word\": \"福\", \"start\": 414.467, \"end\": 414.568, \"score\": 0.735}, {\"word\": \"部\", \"start\": 414.568, \"end\": 414.768, \"score\": 0.793}, {\"word\": \"裡\"}, {\"word\": \"面\", \"start\": 414.768, \"end\": 414.908, \"score\": 0.744}, {\"word\": \"去\", \"start\": 414.908, \"end\": 415.049, \"score\": 0.758}, {\"word\": \"做\", \"start\": 415.049, \"end\": 415.43, \"score\": 0.777}, {\"word\": \"決\"}, {\"word\": \"定\", \"start\": 415.43, \"end\": 416.592, \"score\": 0.788}, {\"word\": \"錢\"}, {\"word\": \"到\", \"start\": 416.592, \"end\": 416.772, \"score\": 0.792}, {\"word\": \"底\", \"start\": 416.772, \"end\": 416.913, \"score\": 0.927}, {\"word\": \"是\", \"start\": 416.913, \"end\": 417.033, \"score\": 0.751}, {\"word\": \"用\", \"start\": 417.033, \"end\": 417.153, \"score\": 0.834}, {\"word\": \"哪\", \"start\": 417.153, \"end\": 417.354, \"score\": 0.801}, {\"word\": \"一\", \"start\": 417.354, \"end\": 417.534, \"score\": 0.837}, {\"word\": \"筆\"}, {\"word\": \"錢\"}, {\"word\": \"特\", \"start\": 417.534, \"end\": 417.634, \"score\": 0.633}, {\"word\": \"別\", \"start\": 417.634, \"end\": 417.654, \"score\": 0.0}, {\"word\": \"預\"}, {\"word\": \"算\", \"start\": 417.654, \"end\": 417.734, \"score\": 0.666}, {\"word\": \"要\", \"start\": 417.734, \"end\": 418.075, \"score\": 0.771}, {\"word\": \"經\"}, {\"word\": \"過\"}, {\"word\": \"你\", \"start\": 418.075, \"end\": 418.195, \"score\": 0.73}, {\"word\": \"這\"}, {\"word\": \"邊\"}, {\"word\": \"嗎\"}, {\"word\": \"特\", \"start\": 418.195, \"end\": 418.296, \"score\": 0.794}, {\"word\": \"別\", \"start\": 418.296, \"end\": 418.316, \"score\": 0.0}, {\"word\": \"預\"}, {\"word\": \"算\", \"start\": 418.316, \"end\": 418.436, \"score\": 0.831}, {\"word\": \"也\", \"start\": 418.436, \"end\": 418.536, \"score\": 0.789}, {\"word\": \"是\", \"start\": 418.536, \"end\": 418.636, \"score\": 0.799}, {\"word\": \"大\", \"start\": 418.636, \"end\": 418.656, \"score\": 0.0}, {\"word\": \"院\", \"start\": 418.656, \"end\": 418.676, \"score\": 0.0}, {\"word\": \"通\", \"start\": 418.676, \"end\": 418.717, \"score\": 0.499}, {\"word\": \"過\"}, {\"word\": \"的\", \"start\": 418.717, \"end\": 418.737, \"score\": 0.003}]}, {\"start\": 424.171, \"end\": 442.148, \"text\": \"那決定撥給哪些,因為這個是後來才增加證據的。對對對,他要分配啦,那個是那個醫學中心那個區醫院、地區醫院。主席長,這我知道,我們長話短說,因為還有別的議題要請教您。所以這個部分其實衛福部自己就可以決定了。對。\", \"words\": [{\"word\": \"那\", \"start\": 424.171, \"end\": 424.752, \"score\": 0.939}, {\"word\": \"決\"}, {\"word\": \"定\", \"start\": 424.752, \"end\": 425.593, \"score\": 0.944}, {\"word\": \"撥\"}, {\"word\": \"給\"}, {\"word\": \"哪\", \"start\": 425.593, \"end\": 425.833, \"score\": 0.974}, {\"word\": \"些\", \"start\": 425.833, \"end\": 426.013, \"score\": 0.997}, {\"word\": \",\"}, {\"word\": \"因\", \"start\": 426.013, \"end\": 426.373, \"score\": 0.786}, {\"word\": \"為\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, 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\"題\"}, {\"word\": \"要\", \"start\": 438.845, \"end\": 439.285, \"score\": 0.786}, {\"word\": \"請\"}, {\"word\": \"教\", \"start\": 439.285, \"end\": 439.486, \"score\": 0.939}, {\"word\": \"您\", \"start\": 439.486, \"end\": 439.626, \"score\": 0.856}, {\"word\": \"。\"}, {\"word\": \"所\", \"start\": 439.626, \"end\": 440.126, \"score\": 0.854}, {\"word\": \"以\", \"start\": 440.126, \"end\": 440.367, \"score\": 0.83}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"部\", \"start\": 440.367, \"end\": 440.527, \"score\": 0.996}, {\"word\": \"分\", \"start\": 440.527, \"end\": 440.727, \"score\": 0.968}, {\"word\": \"其\", \"start\": 440.727, \"end\": 441.107, \"score\": 0.847}, {\"word\": \"實\"}, {\"word\": \"衛\"}, {\"word\": \"福\", \"start\": 441.107, \"end\": 441.227, \"score\": 0.83}, {\"word\": \"部\", \"start\": 441.227, \"end\": 441.367, \"score\": 0.859}, {\"word\": \"自\", \"start\": 441.367, \"end\": 441.448, \"score\": 0.927}, {\"word\": \"己\", \"start\": 441.448, \"end\": 441.488, 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\"score\": 0.763}, {\"word\": \"時\"}, {\"word\": \"候\", \"start\": 687.608, \"end\": 687.628, \"score\": 0.0}, {\"word\": \"大\", \"start\": 687.628, \"end\": 687.788, \"score\": 0.699}, {\"word\": \"家\", \"start\": 687.788, \"end\": 687.808, \"score\": 0.0}, {\"word\": \"預\"}, {\"word\": \"計\"}, {\"word\": \"油\", \"start\": 687.808, \"end\": 687.909, \"score\": 0.593}, {\"word\": \"價\"}, {\"word\": \"都\", \"start\": 687.909, \"end\": 687.929, \"score\": 0.0}, {\"word\": \"大\", \"start\": 687.929, \"end\": 687.949, \"score\": 0.0}, {\"word\": \"概\", \"start\": 687.949, \"end\": 687.989, \"score\": 0.499}, {\"word\": \"在\", \"start\": 687.989, \"end\": 688.009, \"score\": 0.0}, {\"word\": \"8\"}, {\"word\": \"0\"}, {\"word\": \"塊\"}, {\"word\": \"三\", \"start\": 700.416, \"end\": 700.436, \"score\": 0.0}, {\"word\": \"、\"}, {\"word\": \"處\"}, {\"word\": \"理\", \"start\": 700.436, \"end\": 700.616, \"score\": 0.866}, {\"word\": \"中\", \"start\": 700.616, \"end\": 700.796, \"score\": 0.87}, {\"word\": \"華\"}, {\"word\": \"民\", \"start\": 700.796, \"end\": 700.816, \"score\": 0.0}, {\"word\": \"國\"}, {\"word\": \"1\"}, {\"word\": \"1\"}, {\"word\": \"3\"}, {\"word\": \"年\", \"start\": 700.816, \"end\": 701.016, \"score\": 0.896}, {\"word\": \"度\", \"start\": 701.016, \"end\": 701.196, \"score\": 0.883}, {\"word\": \"中\", \"start\": 701.196, \"end\": 701.297, \"score\": 0.79}, {\"word\": \"央\", \"start\": 701.297, \"end\": 701.497, \"score\": 0.889}, {\"word\": \"政\", \"start\": 701.497, \"end\": 701.517, \"score\": 0.0}, {\"word\": \"府\", \"start\": 701.517, \"end\": 701.537, \"score\": 0.0}, {\"word\": \"總\"}, {\"word\": \"預\"}, {\"word\": \"算\", \"start\": 701.537, \"end\": 701.717, \"score\": 0.887}, {\"word\": \"決\"}, {\"word\": \"議\"}, {\"word\": \"．\"}, {\"word\": \"有\", \"start\": 701.717, \"end\": 701.737, \"score\": 0.793}, {\"word\": \"關\"}, {\"word\": \"審\"}, {\"word\": \"計\"}, {\"word\": \"憲\"}, {\"word\": \"政\", \"start\": 729.81, \"end\": 730.871, \"score\": 0.902}, {\"word\": \"院\", \"start\": 730.871, \"end\": 731.191, \"score\": 0.933}, {\"word\": \"有\", \"start\": 731.191, \"end\": 731.411, \"score\": 0.908}, {\"word\": \"一\", \"start\": 731.411, \"end\": 731.592, \"score\": 0.886}, {\"word\": \"個\"}, {\"word\": \"物\", \"start\": 731.592, \"end\": 731.892, \"score\": 0.926}, {\"word\": \"價\"}, {\"word\": \"主\", \"start\": 731.892, \"end\": 731.912, \"score\": 0.0}, {\"word\": \"導\"}, {\"word\": \"匯\"}, {\"word\": \"報\"}, {\"word\": \",\"}, {\"word\": \"都\", \"start\": 731.912, \"end\": 732.052, \"score\": 0.856}, {\"word\": \"是\", \"start\": 732.052, \"end\": 732.452, \"score\": 0.945}, {\"word\": \"由\", \"start\": 732.452, \"end\": 732.673, \"score\": 0.899}, {\"word\": \"副\", \"start\": 732.673, \"end\": 732.813, \"score\": 0.838}, {\"word\": \"院\", \"start\": 732.813, \"end\": 733.293, \"score\": 0.974}, {\"word\": \"長\"}, {\"word\": \"主\", \"start\": 733.293, \"end\": 733.533, \"score\": 0.906}, {\"word\": \"持\", \"start\": 733.533, \"end\": 733.553, \"score\": 0.0}, {\"word\": \"。\"}], \"language\": \"zh\"}","srt":"1\n00:00:00,043 --> 00:00:00,644\n謝謝,我可不可以請主委?黃主委委員長\n\n2\n00:00:20,839 --> 00:00:26,362\n黃主委您是在金管會的位置上最久的一位主委不管在藍綠的委員當中其實對於您的評價其實私底下都給予很多的肯定我覺得這一點\n\n3\n00:00:44,250 --> 00:00:46,172\n三、處理中華民國113年度中央政府總預算決議．有關審計\n\n4\n00:01:07,374 --> 00:01:17,763\n應該有的一些底線的堅持我看到您的努力喔那昨天我聽到召委在質詢的時候您說您比較掛心了兩個重要的政策一個是虛擬資產的專法還有包括BNPL先買後付這兩件事重要的政策其實都會影響到我們資產的穩定度\n\n5\n00:01:29,213 --> 00:01:56,423\n所以面對包括中國大陸在這段時間從去年前年開始疫情之後景氣的不穩定的狀況包括歐美國家包括好幾間銀行金融的狀況我覺得我們整體臺灣的金融業相對的是穩定的所以主委你也說你會拼到5月19號但是我們也看到資本的穩定市場穩定其實還有一個很重要的因素就是我們的保險業的穩健\n\n6\n00:01:57,763 --> 00:02:24,448\n在這一塊無論是前段時間我跟您的答詢過程當中我看到您的堅持那臺灣在保險業的穩健的部分包括臺灣保險的滲透率的部分這個比例相對是非常高的包括在臺灣我們平均每個國人都有2.6張保單所以除了過去對於保險法我們RBC要達到200%其實你的立場\n\n7\n00:02:27,188 --> 00:02:33,810\n三、處理中華民國113年度中央政府總預算凍結書面報告案2案。主委,您在5月19號即將功成身退。在本週二16號的時候,我們也公布了2026要跟ICS接軌第三階段在地化的過渡性措施。主委,\n\n8\n00:02:57,301 --> 00:03:06,324\n你會不會擔心你在這一段時間包括在保險業者你要求的法定的這個市主力RBC要達到200%還有我們跟ICS的接軌你會不會擔心人去政協\n\n9\n00:03:14,273 --> 00:03:40,756\n我想第一點有關保險資本市主律其實它是現在明定於保險法那什麼程度那該做什麼處理這叫立即糾正措施都明定的這是我們必須要依法去處理那至於說接軌的部分我想我們過去的態度就是考慮國情並不是把國外的規範完全不考慮就全部套在國內業者上也給了三個階段的相關的措施\n\n10\n00:03:41,497 --> 00:03:55,613\n那我想這部分我盡力了當然我想未來的彭主委他比我對保險更專精他是保險專家你會不會擔心他因為過去他在媒體上對於這些可能有不同的看法你會不會擔心這些因為這是你過去所堅持的那你會不會擔心會打折扣\n\n11\n00:03:59,966 --> 00:04:22,070\n其實我過去也跟彭老師也常請教了那我覺得有些意見我也都接納他的想法那當然他將來接了這個主委的位置他當然會對一些政策有他的想法我昨天也報告過那我們尊重未來彭主委的想法好那到6月底前報告保險業達到RCP達到200%你會持續的推動嗎\n\n12\n00:04:27,757 --> 00:04:30,418\n這個沒有妥協的空間該做什麼就做什麼。\n\n13\n00:04:47,458 --> 00:05:08,472\n主席長好主席長我先就一個小議題請教您就是在這一次衛福部公告護理人員夜班的獎勵方案這本來是要鼓勵醫護人員留任的政策跟方案後來我們也看到引起很多的反彈因為本來是要幫大夜班\n\n14\n00:05:09,652 --> 00:05:35,924\n大小夜班都有增加一些補助的費用但是後來引起區醫院跟地區醫院很多的反彈因為在醫學中心的部分實在是增加的那個獎勵金實在太高這也造成區醫院跟地區醫院的護理人員流動的流失非常的快所以新的方案已經出來了那會需要增加到1.13億元的預算健保署表示會積極的爭取那爭取當然是要跟主計處爭取那\n\n15\n00:05:39,365 --> 00:05:50,300\n這個部分的我聽到好像卡在主計處你這邊沒有沒有沒有沒有我們原來就有113就有編那個好一個軍會阿另外一個\n\n16\n00:05:50,930 --> 00:06:10,438\n他是要再次說到底應該是由他的那個就是說我們在那個特別預算裡面也變一筆錢還是要在總額裡面決定那個是由衛福部來決定的因為最後講到錢的問題都喜歡說是主計總處\n\n17\n00:06:11,758 --> 00:06:27,240\n都是你去決定對對沒有我們有因為我們的御師但是從衛福部去處理還是從特別預算處理現在還沒橋定這個行政院還沒決定就對了沒有沒有特別預算也已經在那個就就是以後的有一個特別預算\n\n18\n00:06:31,784 --> 00:06:51,802\n總預算裏面有編一筆錢那個錢都已經在預算裏面所以說他們內部去調因為預算已經通過了不可能說再增加所以跟你沒有關係是跟衛福部有關係所以卡是卡在衛福部不是卡在你這邊我這邊的錢都是大約已經通過了不可能是再增加\n\n19\n00:06:52,443 --> 00:06:58,737\n我知道不能再增加但是就是從衛福部裡面去做決定錢到底是用哪一筆錢特別預算要經過你這邊嗎特別預算也是大院通過的\n\n20\n00:07:04,171 --> 00:07:22,148\n那決定撥給哪些,因為這個是後來才增加證據的。對對對,他要分配啦,那個是那個醫學中心那個區醫院、地區醫院。主席長,這我知道,我們長話短說,因為還有別的議題要請教您。所以這個部分其實衛福部自己就可以決定了。對。\n\n21\n00:07:23,390 --> 00:07:48,686\n好那我清楚了好謝謝那你知道這個預算什麼時候會通過吧因為多拖一天我擔心護理人員留不住那個是衛福部要做一個說快一點他的一個所謂的那個撥款的程序快點怎麼決定去使用這個錢經費都已經在特別預算跟他的健保的總合裡面都已經有了\n\n22\n00:07:49,847 --> 00:08:02,719\n好那所以是卡在衛福部就對了好好那謝謝主席長那我第二個問題要就教主席長主席長我最近看到幾個數字就是我們一二月二月公布的受僱人員的薪資跟人數其實都達到\n\n23\n00:08:05,041 --> 00:08:31,757\n新高都是達到我們過去6年來的第二高平均每人每月有達到46,017元比上去年同期我們增加2.39個的百分點但是我們去年實質總薪資總共下降1.04所以主計長一二月經常性薪資達到2.39的成長主要的原因是什麼那個是因為我們那個\n\n24\n00:08:33,737 --> 00:08:56,390\n就就是說企業界他也跟著像公交人員還有基本工資調高所以是因為我們增加了4%的加薪有帶動民間而且那個基本薪資也有提高那主席長你覺得因為我們幫公務人員加薪而帶動我們整個基本工資提高你覺得那個比例大概帶動整個成長的比例有多少\n\n25\n00:08:58,891 --> 00:09:19,502\n那個終究是有限,但是它是有一個...差不多幾%啦?你覺得差不多多少?那個我們沒有做這種估計,因為那個公教陵園只佔大概只有大概五、六十萬人但是那個所謂的軍公教陵只有五、六十萬人但是全國的那個...我知道,但是我的意思是說我們整個經濟的成長2.39%多少是因為\n\n26\n00:09:24,224 --> 00:09:48,498\n我們基本工資提高而整個經濟帶動起來是因為加薪4%民間也加薪所以整個經濟往上走那個是我們沒有做很難去分因為他的調薪的原因有很多但是會不會實質薪資成長我必須說明那應該是看那個CPI的成長情況如果CPI的維持的這個趨緩的趨勢\n\n27\n00:09:51,179 --> 00:09:56,123\n指數是2.74所以其實物價通膨還是把這個加薪啊還是整個還是把它往下拖所以我們人民的實際薪資其實還是倒退路的所以但是主席長\n\n28\n00:10:16,280 --> 00:10:33,990\n我們今年3月公布CBI是2.14那到底第一季有沒有機會實質薪資轉正那個是有機會但是我不敢肯定因為那個是最新的那個資料但是我們副處長說有機會轉正啊是有機會啦是有機會但是我們3月份的調查資料薪資的調查資料要到下個月5號才能夠出來\n\n29\n00:10:43,575 --> 00:11:06,425\n那我們整年度那我就繼續接著問因為我上次問你說我們今年度整個實質總薪資實質薪資到底整年會怎麼樣那你覺得今年2024薪資有沒有可能轉正我們希望轉正啦但是有不確定的因素不確定的因素是因為目前國際間的油價在往上國際間的油價在往上是有這個因素嗎\n\n30\n00:11:07,886 --> 00:11:20,642\n只有這個因素嗎?這個是一個蠻大的一個因素的那個以及那個國際間那個會不會受到一些所以你覺得今年實質薪資轉正的比例大概是多少?我只能夠說有機會啦有機會\n\n31\n00:11:23,826 --> 00:11:28,009\n有機會有機會是差不多多少啦你預估預測主席主席長做過預測啊我不我不那個預測是具有不確定性的因素不確定性的因素如果萬一說有油價因為我們現在前些時候大家預計油價都大概在80塊\n\n32\n00:11:40,416 --> 00:11:41,737\n三、處理中華民國113年度中央政府總預算決議．有關審計\n\n33\n00:12:09,810 --> 00:12:13,553\n憲政院有一個物價主導匯報,都是由副院長主持。\n\n","tsv":"start\tend\ttext\n43\t644\t謝謝,我可不可以請主委?黃主委委員長\n20839\t26362\t黃主委您是在金管會的位置上最久的一位主委不管在藍綠的委員當中其實對於您的評價其實私底下都給予很多的肯定我覺得這一點\n44250\t46172\t三、處理中華民國113年度中央政府總預算決議．有關審計\n67374\t77763\t應該有的一些底線的堅持我看到您的努力喔那昨天我聽到召委在質詢的時候您說您比較掛心了兩個重要的政策一個是虛擬資產的專法還有包括BNPL先買後付這兩件事重要的政策其實都會影響到我們資產的穩定度\n89213\t116423\t所以面對包括中國大陸在這段時間從去年前年開始疫情之後景氣的不穩定的狀況包括歐美國家包括好幾間銀行金融的狀況我覺得我們整體臺灣的金融業相對的是穩定的所以主委你也說你會拼到5月19號但是我們也看到資本的穩定市場穩定其實還有一個很重要的因素就是我們的保險業的穩健\n117763\t144448\t在這一塊無論是前段時間我跟您的答詢過程當中我看到您的堅持那臺灣在保險業的穩健的部分包括臺灣保險的滲透率的部分這個比例相對是非常高的包括在臺灣我們平均每個國人都有2.6張保單所以除了過去對於保險法我們RBC要達到200%其實你的立場\n147188\t153810\t三、處理中華民國113年度中央政府總預算凍結書面報告案2案。主委,您在5月19號即將功成身退。在本週二16號的時候,我們也公布了2026要跟ICS接軌第三階段在地化的過渡性措施。主委,\n177301\t186324\t你會不會擔心你在這一段時間包括在保險業者你要求的法定的這個市主力RBC要達到200%還有我們跟ICS的接軌你會不會擔心人去政協\n194273\t220756\t我想第一點有關保險資本市主律其實它是現在明定於保險法那什麼程度那該做什麼處理這叫立即糾正措施都明定的這是我們必須要依法去處理那至於說接軌的部分我想我們過去的態度就是考慮國情並不是把國外的規範完全不考慮就全部套在國內業者上也給了三個階段的相關的措施\n221497\t235613\t那我想這部分我盡力了當然我想未來的彭主委他比我對保險更專精他是保險專家你會不會擔心他因為過去他在媒體上對於這些可能有不同的看法你會不會擔心這些因為這是你過去所堅持的那你會不會擔心會打折扣\n239966\t262070\t其實我過去也跟彭老師也常請教了那我覺得有些意見我也都接納他的想法那當然他將來接了這個主委的位置他當然會對一些政策有他的想法我昨天也報告過那我們尊重未來彭主委的想法好那到6月底前報告保險業達到RCP達到200%你會持續的推動嗎\n267757\t270418\t這個沒有妥協的空間該做什麼就做什麼。\n287458\t308472\t主席長好主席長我先就一個小議題請教您就是在這一次衛福部公告護理人員夜班的獎勵方案這本來是要鼓勵醫護人員留任的政策跟方案後來我們也看到引起很多的反彈因為本來是要幫大夜班\n309652\t335924\t大小夜班都有增加一些補助的費用但是後來引起區醫院跟地區醫院很多的反彈因為在醫學中心的部分實在是增加的那個獎勵金實在太高這也造成區醫院跟地區醫院的護理人員流動的流失非常的快所以新的方案已經出來了那會需要增加到1.13億元的預算健保署表示會積極的爭取那爭取當然是要跟主計處爭取那\n339365\t350300\t這個部分的我聽到好像卡在主計處你這邊沒有沒有沒有沒有我們原來就有113就有編那個好一個軍會阿另外一個\n350930\t370438\t他是要再次說到底應該是由他的那個就是說我們在那個特別預算裡面也變一筆錢還是要在總額裡面決定那個是由衛福部來決定的因為最後講到錢的問題都喜歡說是主計總處\n371758\t387240\t都是你去決定對對沒有我們有因為我們的御師但是從衛福部去處理還是從特別預算處理現在還沒橋定這個行政院還沒決定就對了沒有沒有特別預算也已經在那個就就是以後的有一個特別預算\n391784\t411802\t總預算裏面有編一筆錢那個錢都已經在預算裏面所以說他們內部去調因為預算已經通過了不可能說再增加所以跟你沒有關係是跟衛福部有關係所以卡是卡在衛福部不是卡在你這邊我這邊的錢都是大約已經通過了不可能是再增加\n412443\t418737\t我知道不能再增加但是就是從衛福部裡面去做決定錢到底是用哪一筆錢特別預算要經過你這邊嗎特別預算也是大院通過的\n424171\t442148\t那決定撥給哪些,因為這個是後來才增加證據的。對對對,他要分配啦,那個是那個醫學中心那個區醫院、地區醫院。主席長,這我知道,我們長話短說,因為還有別的議題要請教您。所以這個部分其實衛福部自己就可以決定了。對。\n443390\t468686\t好那我清楚了好謝謝那你知道這個預算什麼時候會通過吧因為多拖一天我擔心護理人員留不住那個是衛福部要做一個說快一點他的一個所謂的那個撥款的程序快點怎麼決定去使用這個錢經費都已經在特別預算跟他的健保的總合裡面都已經有了\n469847\t482719\t好那所以是卡在衛福部就對了好好那謝謝主席長那我第二個問題要就教主席長主席長我最近看到幾個數字就是我們一二月二月公布的受僱人員的薪資跟人數其實都達到\n485041\t511757\t新高都是達到我們過去6年來的第二高平均每人每月有達到46,017元比上去年同期我們增加2.39個的百分點但是我們去年實質總薪資總共下降1.04所以主計長一二月經常性薪資達到2.39的成長主要的原因是什麼那個是因為我們那個\n513737\t536390\t就就是說企業界他也跟著像公交人員還有基本工資調高所以是因為我們增加了4%的加薪有帶動民間而且那個基本薪資也有提高那主席長你覺得因為我們幫公務人員加薪而帶動我們整個基本工資提高你覺得那個比例大概帶動整個成長的比例有多少\n538891\t559502\t那個終究是有限,但是它是有一個...差不多幾%啦?你覺得差不多多少?那個我們沒有做這種估計,因為那個公教陵園只佔大概只有大概五、六十萬人但是那個所謂的軍公教陵只有五、六十萬人但是全國的那個...我知道,但是我的意思是說我們整個經濟的成長2.39%多少是因為\n564224\t588498\t我們基本工資提高而整個經濟帶動起來是因為加薪4%民間也加薪所以整個經濟往上走那個是我們沒有做很難去分因為他的調薪的原因有很多但是會不會實質薪資成長我必須說明那應該是看那個CPI的成長情況如果CPI的維持的這個趨緩的趨勢\n591179\t596123\t指數是2.74所以其實物價通膨還是把這個加薪啊還是整個還是把它往下拖所以我們人民的實際薪資其實還是倒退路的所以但是主席長\n616280\t633990\t我們今年3月公布CBI是2.14那到底第一季有沒有機會實質薪資轉正那個是有機會但是我不敢肯定因為那個是最新的那個資料但是我們副處長說有機會轉正啊是有機會啦是有機會但是我們3月份的調查資料薪資的調查資料要到下個月5號才能夠出來\n643575\t666425\t那我們整年度那我就繼續接著問因為我上次問你說我們今年度整個實質總薪資實質薪資到底整年會怎麼樣那你覺得今年2024薪資有沒有可能轉正我們希望轉正啦但是有不確定的因素不確定的因素是因為目前國際間的油價在往上國際間的油價在往上是有這個因素嗎\n667886\t680642\t只有這個因素嗎?這個是一個蠻大的一個因素的那個以及那個國際間那個會不會受到一些所以你覺得今年實質薪資轉正的比例大概是多少?我只能夠說有機會啦有機會\n683826\t688009\t有機會有機會是差不多多少啦你預估預測主席主席長做過預測啊我不我不那個預測是具有不確定性的因素不確定性的因素如果萬一說有油價因為我們現在前些時候大家預計油價都大概在80塊\n700416\t701737\t三、處理中華民國113年度中央政府總預算決議．有關審計\n729810\t733553\t憲政院有一個物價主導匯報,都是由副院長主持。\n","txt":"謝謝,我可不可以請主委?黃主委委員長\n黃主委您是在金管會的位置上最久的一位主委不管在藍綠的委員當中其實對於您的評價其實私底下都給予很多的肯定我覺得這一點\n三、處理中華民國113年度中央政府總預算決議．有關審計\n應該有的一些底線的堅持我看到您的努力喔那昨天我聽到召委在質詢的時候您說您比較掛心了兩個重要的政策一個是虛擬資產的專法還有包括BNPL先買後付這兩件事重要的政策其實都會影響到我們資產的穩定度\n所以面對包括中國大陸在這段時間從去年前年開始疫情之後景氣的不穩定的狀況包括歐美國家包括好幾間銀行金融的狀況我覺得我們整體臺灣的金融業相對的是穩定的所以主委你也說你會拼到5月19號但是我們也看到資本的穩定市場穩定其實還有一個很重要的因素就是我們的保險業的穩健\n在這一塊無論是前段時間我跟您的答詢過程當中我看到您的堅持那臺灣在保險業的穩健的部分包括臺灣保險的滲透率的部分這個比例相對是非常高的包括在臺灣我們平均每個國人都有2.6張保單所以除了過去對於保險法我們RBC要達到200%其實你的立場\n三、處理中華民國113年度中央政府總預算凍結書面報告案2案。主委,您在5月19號即將功成身退。在本週二16號的時候,我們也公布了2026要跟ICS接軌第三階段在地化的過渡性措施。主委,\n你會不會擔心你在這一段時間包括在保險業者你要求的法定的這個市主力RBC要達到200%還有我們跟ICS的接軌你會不會擔心人去政協\n我想第一點有關保險資本市主律其實它是現在明定於保險法那什麼程度那該做什麼處理這叫立即糾正措施都明定的這是我們必須要依法去處理那至於說接軌的部分我想我們過去的態度就是考慮國情並不是把國外的規範完全不考慮就全部套在國內業者上也給了三個階段的相關的措施\n那我想這部分我盡力了當然我想未來的彭主委他比我對保險更專精他是保險專家你會不會擔心他因為過去他在媒體上對於這些可能有不同的看法你會不會擔心這些因為這是你過去所堅持的那你會不會擔心會打折扣\n其實我過去也跟彭老師也常請教了那我覺得有些意見我也都接納他的想法那當然他將來接了這個主委的位置他當然會對一些政策有他的想法我昨天也報告過那我們尊重未來彭主委的想法好那到6月底前報告保險業達到RCP達到200%你會持續的推動嗎\n這個沒有妥協的空間該做什麼就做什麼。\n主席長好主席長我先就一個小議題請教您就是在這一次衛福部公告護理人員夜班的獎勵方案這本來是要鼓勵醫護人員留任的政策跟方案後來我們也看到引起很多的反彈因為本來是要幫大夜班\n大小夜班都有增加一些補助的費用但是後來引起區醫院跟地區醫院很多的反彈因為在醫學中心的部分實在是增加的那個獎勵金實在太高這也造成區醫院跟地區醫院的護理人員流動的流失非常的快所以新的方案已經出來了那會需要增加到1.13億元的預算健保署表示會積極的爭取那爭取當然是要跟主計處爭取那\n這個部分的我聽到好像卡在主計處你這邊沒有沒有沒有沒有我們原來就有113就有編那個好一個軍會阿另外一個\n他是要再次說到底應該是由他的那個就是說我們在那個特別預算裡面也變一筆錢還是要在總額裡面決定那個是由衛福部來決定的因為最後講到錢的問題都喜歡說是主計總處\n都是你去決定對對沒有我們有因為我們的御師但是從衛福部去處理還是從特別預算處理現在還沒橋定這個行政院還沒決定就對了沒有沒有特別預算也已經在那個就就是以後的有一個特別預算\n總預算裏面有編一筆錢那個錢都已經在預算裏面所以說他們內部去調因為預算已經通過了不可能說再增加所以跟你沒有關係是跟衛福部有關係所以卡是卡在衛福部不是卡在你這邊我這邊的錢都是大約已經通過了不可能是再增加\n我知道不能再增加但是就是從衛福部裡面去做決定錢到底是用哪一筆錢特別預算要經過你這邊嗎特別預算也是大院通過的\n那決定撥給哪些,因為這個是後來才增加證據的。對對對,他要分配啦,那個是那個醫學中心那個區醫院、地區醫院。主席長,這我知道,我們長話短說,因為還有別的議題要請教您。所以這個部分其實衛福部自己就可以決定了。對。\n好那我清楚了好謝謝那你知道這個預算什麼時候會通過吧因為多拖一天我擔心護理人員留不住那個是衛福部要做一個說快一點他的一個所謂的那個撥款的程序快點怎麼決定去使用這個錢經費都已經在特別預算跟他的健保的總合裡面都已經有了\n好那所以是卡在衛福部就對了好好那謝謝主席長那我第二個問題要就教主席長主席長我最近看到幾個數字就是我們一二月二月公布的受僱人員的薪資跟人數其實都達到\n新高都是達到我們過去6年來的第二高平均每人每月有達到46,017元比上去年同期我們增加2.39個的百分點但是我們去年實質總薪資總共下降1.04所以主計長一二月經常性薪資達到2.39的成長主要的原因是什麼那個是因為我們那個\n就就是說企業界他也跟著像公交人員還有基本工資調高所以是因為我們增加了4%的加薪有帶動民間而且那個基本薪資也有提高那主席長你覺得因為我們幫公務人員加薪而帶動我們整個基本工資提高你覺得那個比例大概帶動整個成長的比例有多少\n那個終究是有限,但是它是有一個...差不多幾%啦?你覺得差不多多少?那個我們沒有做這種估計,因為那個公教陵園只佔大概只有大概五、六十萬人但是那個所謂的軍公教陵只有五、六十萬人但是全國的那個...我知道,但是我的意思是說我們整個經濟的成長2.39%多少是因為\n我們基本工資提高而整個經濟帶動起來是因為加薪4%民間也加薪所以整個經濟往上走那個是我們沒有做很難去分因為他的調薪的原因有很多但是會不會實質薪資成長我必須說明那應該是看那個CPI的成長情況如果CPI的維持的這個趨緩的趨勢\n指數是2.74所以其實物價通膨還是把這個加薪啊還是整個還是把它往下拖所以我們人民的實際薪資其實還是倒退路的所以但是主席長\n我們今年3月公布CBI是2.14那到底第一季有沒有機會實質薪資轉正那個是有機會但是我不敢肯定因為那個是最新的那個資料但是我們副處長說有機會轉正啊是有機會啦是有機會但是我們3月份的調查資料薪資的調查資料要到下個月5號才能夠出來\n那我們整年度那我就繼續接著問因為我上次問你說我們今年度整個實質總薪資實質薪資到底整年會怎麼樣那你覺得今年2024薪資有沒有可能轉正我們希望轉正啦但是有不確定的因素不確定的因素是因為目前國際間的油價在往上國際間的油價在往上是有這個因素嗎\n只有這個因素嗎?這個是一個蠻大的一個因素的那個以及那個國際間那個會不會受到一些所以你覺得今年實質薪資轉正的比例大概是多少?我只能夠說有機會啦有機會\n有機會有機會是差不多多少啦你預估預測主席主席長做過預測啊我不我不那個預測是具有不確定性的因素不確定性的因素如果萬一說有油價因為我們現在前些時候大家預計油價都大概在80塊\n三、處理中華民國113年度中央政府總預算決議．有關審計\n憲政院有一個物價主導匯報,都是由副院長主持。\n","vtt":"WEBVTT\n\n00:00.043 --> 00:00.644\n謝謝,我可不可以請主委?黃主委委員長\n\n00:20.839 --> 00:26.362\n黃主委您是在金管會的位置上最久的一位主委不管在藍綠的委員當中其實對於您的評價其實私底下都給予很多的肯定我覺得這一點\n\n00:44.250 --> 00:46.172\n三、處理中華民國113年度中央政府總預算決議．有關審計\n\n01:07.374 --> 01:17.763\n應該有的一些底線的堅持我看到您的努力喔那昨天我聽到召委在質詢的時候您說您比較掛心了兩個重要的政策一個是虛擬資產的專法還有包括BNPL先買後付這兩件事重要的政策其實都會影響到我們資產的穩定度\n\n01:29.213 --> 01:56.423\n所以面對包括中國大陸在這段時間從去年前年開始疫情之後景氣的不穩定的狀況包括歐美國家包括好幾間銀行金融的狀況我覺得我們整體臺灣的金融業相對的是穩定的所以主委你也說你會拼到5月19號但是我們也看到資本的穩定市場穩定其實還有一個很重要的因素就是我們的保險業的穩健\n\n01:57.763 --> 02:24.448\n在這一塊無論是前段時間我跟您的答詢過程當中我看到您的堅持那臺灣在保險業的穩健的部分包括臺灣保險的滲透率的部分這個比例相對是非常高的包括在臺灣我們平均每個國人都有2.6張保單所以除了過去對於保險法我們RBC要達到200%其實你的立場\n\n02:27.188 --> 02:33.810\n三、處理中華民國113年度中央政府總預算凍結書面報告案2案。主委,您在5月19號即將功成身退。在本週二16號的時候,我們也公布了2026要跟ICS接軌第三階段在地化的過渡性措施。主委,\n\n02:57.301 --> 03:06.324\n你會不會擔心你在這一段時間包括在保險業者你要求的法定的這個市主力RBC要達到200%還有我們跟ICS的接軌你會不會擔心人去政協\n\n03:14.273 --> 03:40.756\n我想第一點有關保險資本市主律其實它是現在明定於保險法那什麼程度那該做什麼處理這叫立即糾正措施都明定的這是我們必須要依法去處理那至於說接軌的部分我想我們過去的態度就是考慮國情並不是把國外的規範完全不考慮就全部套在國內業者上也給了三個階段的相關的措施\n\n03:41.497 --> 03:55.613\n那我想這部分我盡力了當然我想未來的彭主委他比我對保險更專精他是保險專家你會不會擔心他因為過去他在媒體上對於這些可能有不同的看法你會不會擔心這些因為這是你過去所堅持的那你會不會擔心會打折扣\n\n03:59.966 --> 04:22.070\n其實我過去也跟彭老師也常請教了那我覺得有些意見我也都接納他的想法那當然他將來接了這個主委的位置他當然會對一些政策有他的想法我昨天也報告過那我們尊重未來彭主委的想法好那到6月底前報告保險業達到RCP達到200%你會持續的推動嗎\n\n04:27.757 --> 04:30.418\n這個沒有妥協的空間該做什麼就做什麼。\n\n04:47.458 --> 05:08.472\n主席長好主席長我先就一個小議題請教您就是在這一次衛福部公告護理人員夜班的獎勵方案這本來是要鼓勵醫護人員留任的政策跟方案後來我們也看到引起很多的反彈因為本來是要幫大夜班\n\n05:09.652 --> 05:35.924\n大小夜班都有增加一些補助的費用但是後來引起區醫院跟地區醫院很多的反彈因為在醫學中心的部分實在是增加的那個獎勵金實在太高這也造成區醫院跟地區醫院的護理人員流動的流失非常的快所以新的方案已經出來了那會需要增加到1.13億元的預算健保署表示會積極的爭取那爭取當然是要跟主計處爭取那\n\n05:39.365 --> 05:50.300\n這個部分的我聽到好像卡在主計處你這邊沒有沒有沒有沒有我們原來就有113就有編那個好一個軍會阿另外一個\n\n05:50.930 --> 06:10.438\n他是要再次說到底應該是由他的那個就是說我們在那個特別預算裡面也變一筆錢還是要在總額裡面決定那個是由衛福部來決定的因為最後講到錢的問題都喜歡說是主計總處\n\n06:11.758 --> 06:27.240\n都是你去決定對對沒有我們有因為我們的御師但是從衛福部去處理還是從特別預算處理現在還沒橋定這個行政院還沒決定就對了沒有沒有特別預算也已經在那個就就是以後的有一個特別預算\n\n06:31.784 --> 06:51.802\n總預算裏面有編一筆錢那個錢都已經在預算裏面所以說他們內部去調因為預算已經通過了不可能說再增加所以跟你沒有關係是跟衛福部有關係所以卡是卡在衛福部不是卡在你這邊我這邊的錢都是大約已經通過了不可能是再增加\n\n06:52.443 --> 06:58.737\n我知道不能再增加但是就是從衛福部裡面去做決定錢到底是用哪一筆錢特別預算要經過你這邊嗎特別預算也是大院通過的\n\n07:04.171 --> 07:22.148\n那決定撥給哪些,因為這個是後來才增加證據的。對對對,他要分配啦,那個是那個醫學中心那個區醫院、地區醫院。主席長,這我知道,我們長話短說,因為還有別的議題要請教您。所以這個部分其實衛福部自己就可以決定了。對。\n\n07:23.390 --> 07:48.686\n好那我清楚了好謝謝那你知道這個預算什麼時候會通過吧因為多拖一天我擔心護理人員留不住那個是衛福部要做一個說快一點他的一個所謂的那個撥款的程序快點怎麼決定去使用這個錢經費都已經在特別預算跟他的健保的總合裡面都已經有了\n\n07:49.847 --> 08:02.719\n好那所以是卡在衛福部就對了好好那謝謝主席長那我第二個問題要就教主席長主席長我最近看到幾個數字就是我們一二月二月公布的受僱人員的薪資跟人數其實都達到\n\n08:05.041 --> 08:31.757\n新高都是達到我們過去6年來的第二高平均每人每月有達到46,017元比上去年同期我們增加2.39個的百分點但是我們去年實質總薪資總共下降1.04所以主計長一二月經常性薪資達到2.39的成長主要的原因是什麼那個是因為我們那個\n\n08:33.737 --> 08:56.390\n就就是說企業界他也跟著像公交人員還有基本工資調高所以是因為我們增加了4%的加薪有帶動民間而且那個基本薪資也有提高那主席長你覺得因為我們幫公務人員加薪而帶動我們整個基本工資提高你覺得那個比例大概帶動整個成長的比例有多少\n\n08:58.891 --> 09:19.502\n那個終究是有限,但是它是有一個...差不多幾%啦?你覺得差不多多少?那個我們沒有做這種估計,因為那個公教陵園只佔大概只有大概五、六十萬人但是那個所謂的軍公教陵只有五、六十萬人但是全國的那個...我知道,但是我的意思是說我們整個經濟的成長2.39%多少是因為\n\n09:24.224 --> 09:48.498\n我們基本工資提高而整個經濟帶動起來是因為加薪4%民間也加薪所以整個經濟往上走那個是我們沒有做很難去分因為他的調薪的原因有很多但是會不會實質薪資成長我必須說明那應該是看那個CPI的成長情況如果CPI的維持的這個趨緩的趨勢\n\n09:51.179 --> 09:56.123\n指數是2.74所以其實物價通膨還是把這個加薪啊還是整個還是把它往下拖所以我們人民的實際薪資其實還是倒退路的所以但是主席長\n\n10:16.280 --> 10:33.990\n我們今年3月公布CBI是2.14那到底第一季有沒有機會實質薪資轉正那個是有機會但是我不敢肯定因為那個是最新的那個資料但是我們副處長說有機會轉正啊是有機會啦是有機會但是我們3月份的調查資料薪資的調查資料要到下個月5號才能夠出來\n\n10:43.575 --> 11:06.425\n那我們整年度那我就繼續接著問因為我上次問你說我們今年度整個實質總薪資實質薪資到底整年會怎麼樣那你覺得今年2024薪資有沒有可能轉正我們希望轉正啦但是有不確定的因素不確定的因素是因為目前國際間的油價在往上國際間的油價在往上是有這個因素嗎\n\n11:07.886 --> 11:20.642\n只有這個因素嗎?這個是一個蠻大的一個因素的那個以及那個國際間那個會不會受到一些所以你覺得今年實質薪資轉正的比例大概是多少?我只能夠說有機會啦有機會\n\n11:23.826 --> 11:28.009\n有機會有機會是差不多多少啦你預估預測主席主席長做過預測啊我不我不那個預測是具有不確定性的因素不確定性的因素如果萬一說有油價因為我們現在前些時候大家預計油價都大概在80塊\n\n11:40.416 --> 11:41.737\n三、處理中華民國113年度中央政府總預算決議．有關審計\n\n12:09.810 --> 12:13.553\n憲政院有一個物價主導匯報,都是由副院長主持。\n\n","segments":[{"start":0.043,"end":0.644,"text":"謝謝,我可不可以請主委?黃主委委員長"},{"start":20.839,"end":26.362,"text":"黃主委您是在金管會的位置上最久的一位主委不管在藍綠的委員當中其實對於您的評價其實私底下都給予很多的肯定我覺得這一點"},{"start":44.25,"end":46.172,"text":"三、處理中華民國113年度中央政府總預算決議．有關審計"},{"start":67.374,"end":77.763,"text":"應該有的一些底線的堅持我看到您的努力喔那昨天我聽到召委在質詢的時候您說您比較掛心了兩個重要的政策一個是虛擬資產的專法還有包括BNPL先買後付這兩件事重要的政策其實都會影響到我們資產的穩定度"},{"start":89.213,"end":116.423,"text":"所以面對包括中國大陸在這段時間從去年前年開始疫情之後景氣的不穩定的狀況包括歐美國家包括好幾間銀行金融的狀況我覺得我們整體臺灣的金融業相對的是穩定的所以主委你也說你會拼到5月19號但是我們也看到資本的穩定市場穩定其實還有一個很重要的因素就是我們的保險業的穩健"},{"start":117.763,"end":144.448,"text":"在這一塊無論是前段時間我跟您的答詢過程當中我看到您的堅持那臺灣在保險業的穩健的部分包括臺灣保險的滲透率的部分這個比例相對是非常高的包括在臺灣我們平均每個國人都有2.6張保單所以除了過去對於保險法我們RBC要達到200%其實你的立場"},{"start":147.188,"end":153.81,"text":"三、處理中華民國113年度中央政府總預算凍結書面報告案2案。主委,您在5月19號即將功成身退。在本週二16號的時候,我們也公布了2026要跟ICS接軌第三階段在地化的過渡性措施。主委,"},{"start":177.301,"end":186.324,"text":"你會不會擔心你在這一段時間包括在保險業者你要求的法定的這個市主力RBC要達到200%還有我們跟ICS的接軌你會不會擔心人去政協"},{"start":194.273,"end":220.756,"text":"我想第一點有關保險資本市主律其實它是現在明定於保險法那什麼程度那該做什麼處理這叫立即糾正措施都明定的這是我們必須要依法去處理那至於說接軌的部分我想我們過去的態度就是考慮國情並不是把國外的規範完全不考慮就全部套在國內業者上也給了三個階段的相關的措施"},{"start":221.497,"end":235.613,"text":"那我想這部分我盡力了當然我想未來的彭主委他比我對保險更專精他是保險專家你會不會擔心他因為過去他在媒體上對於這些可能有不同的看法你會不會擔心這些因為這是你過去所堅持的那你會不會擔心會打折扣"},{"start":239.966,"end":262.07,"text":"其實我過去也跟彭老師也常請教了那我覺得有些意見我也都接納他的想法那當然他將來接了這個主委的位置他當然會對一些政策有他的想法我昨天也報告過那我們尊重未來彭主委的想法好那到6月底前報告保險業達到RCP達到200%你會持續的推動嗎"},{"start":267.757,"end":270.418,"text":"這個沒有妥協的空間該做什麼就做什麼。"},{"start":287.458,"end":308.472,"text":"主席長好主席長我先就一個小議題請教您就是在這一次衛福部公告護理人員夜班的獎勵方案這本來是要鼓勵醫護人員留任的政策跟方案後來我們也看到引起很多的反彈因為本來是要幫大夜班"},{"start":309.652,"end":335.924,"text":"大小夜班都有增加一些補助的費用但是後來引起區醫院跟地區醫院很多的反彈因為在醫學中心的部分實在是增加的那個獎勵金實在太高這也造成區醫院跟地區醫院的護理人員流動的流失非常的快所以新的方案已經出來了那會需要增加到1.13億元的預算健保署表示會積極的爭取那爭取當然是要跟主計處爭取那"},{"start":339.365,"end":350.3,"text":"這個部分的我聽到好像卡在主計處你這邊沒有沒有沒有沒有我們原來就有113就有編那個好一個軍會阿另外一個"},{"start":350.93,"end":370.438,"text":"他是要再次說到底應該是由他的那個就是說我們在那個特別預算裡面也變一筆錢還是要在總額裡面決定那個是由衛福部來決定的因為最後講到錢的問題都喜歡說是主計總處"},{"start":371.758,"end":387.24,"text":"都是你去決定對對沒有我們有因為我們的御師但是從衛福部去處理還是從特別預算處理現在還沒橋定這個行政院還沒決定就對了沒有沒有特別預算也已經在那個就就是以後的有一個特別預算"},{"start":391.784,"end":411.802,"text":"總預算裏面有編一筆錢那個錢都已經在預算裏面所以說他們內部去調因為預算已經通過了不可能說再增加所以跟你沒有關係是跟衛福部有關係所以卡是卡在衛福部不是卡在你這邊我這邊的錢都是大約已經通過了不可能是再增加"},{"start":412.443,"end":418.737,"text":"我知道不能再增加但是就是從衛福部裡面去做決定錢到底是用哪一筆錢特別預算要經過你這邊嗎特別預算也是大院通過的"},{"start":424.171,"end":442.148,"text":"那決定撥給哪些,因為這個是後來才增加證據的。對對對,他要分配啦,那個是那個醫學中心那個區醫院、地區醫院。主席長,這我知道,我們長話短說,因為還有別的議題要請教您。所以這個部分其實衛福部自己就可以決定了。對。"},{"start":443.39,"end":468.686,"text":"好那我清楚了好謝謝那你知道這個預算什麼時候會通過吧因為多拖一天我擔心護理人員留不住那個是衛福部要做一個說快一點他的一個所謂的那個撥款的程序快點怎麼決定去使用這個錢經費都已經在特別預算跟他的健保的總合裡面都已經有了"},{"start":469.847,"end":482.719,"text":"好那所以是卡在衛福部就對了好好那謝謝主席長那我第二個問題要就教主席長主席長我最近看到幾個數字就是我們一二月二月公布的受僱人員的薪資跟人數其實都達到"},{"start":485.041,"end":511.757,"text":"新高都是達到我們過去6年來的第二高平均每人每月有達到46,017元比上去年同期我們增加2.39個的百分點但是我們去年實質總薪資總共下降1.04所以主計長一二月經常性薪資達到2.39的成長主要的原因是什麼那個是因為我們那個"},{"start":513.737,"end":536.39,"text":"就就是說企業界他也跟著像公交人員還有基本工資調高所以是因為我們增加了4%的加薪有帶動民間而且那個基本薪資也有提高那主席長你覺得因為我們幫公務人員加薪而帶動我們整個基本工資提高你覺得那個比例大概帶動整個成長的比例有多少"},{"start":538.891,"end":559.502,"text":"那個終究是有限,但是它是有一個...差不多幾%啦?你覺得差不多多少?那個我們沒有做這種估計,因為那個公教陵園只佔大概只有大概五、六十萬人但是那個所謂的軍公教陵只有五、六十萬人但是全國的那個...我知道,但是我的意思是說我們整個經濟的成長2.39%多少是因為"},{"start":564.224,"end":588.498,"text":"我們基本工資提高而整個經濟帶動起來是因為加薪4%民間也加薪所以整個經濟往上走那個是我們沒有做很難去分因為他的調薪的原因有很多但是會不會實質薪資成長我必須說明那應該是看那個CPI的成長情況如果CPI的維持的這個趨緩的趨勢"},{"start":591.179,"end":596.123,"text":"指數是2.74所以其實物價通膨還是把這個加薪啊還是整個還是把它往下拖所以我們人民的實際薪資其實還是倒退路的所以但是主席長"},{"start":616.28,"end":633.99,"text":"我們今年3月公布CBI是2.14那到底第一季有沒有機會實質薪資轉正那個是有機會但是我不敢肯定因為那個是最新的那個資料但是我們副處長說有機會轉正啊是有機會啦是有機會但是我們3月份的調查資料薪資的調查資料要到下個月5號才能夠出來"},{"start":643.575,"end":666.425,"text":"那我們整年度那我就繼續接著問因為我上次問你說我們今年度整個實質總薪資實質薪資到底整年會怎麼樣那你覺得今年2024薪資有沒有可能轉正我們希望轉正啦但是有不確定的因素不確定的因素是因為目前國際間的油價在往上國際間的油價在往上是有這個因素嗎"},{"start":667.886,"end":680.642,"text":"只有這個因素嗎?這個是一個蠻大的一個因素的那個以及那個國際間那個會不會受到一些所以你覺得今年實質薪資轉正的比例大概是多少?我只能夠說有機會啦有機會"},{"start":683.826,"end":688.009,"text":"有機會有機會是差不多多少啦你預估預測主席主席長做過預測啊我不我不那個預測是具有不確定性的因素不確定性的因素如果萬一說有油價因為我們現在前些時候大家預計油價都大概在80塊"},{"start":700.416,"end":701.737,"text":"三、處理中華民國113年度中央政府總預算決議．有關審計"},{"start":729.81,"end":733.553,"text":"憲政院有一個物價主導匯報,都是由副院長主持。"}]}}}}