{"id":152375,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/152375","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/d554e30850cf792d193fee2c40b8afaab4f9ff50c8f2c18736499d1b681a2ac78e7165f4ad3413885ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"李坤城","委員發言時間":"11:22:32 - 11:29:59","影片長度":"00:07:27","會議時間":"2024-05-09T09:00:00+08:00","會議名稱":"立法院第11屆第1會期司法及法制委員會第21次全體委員會議（事由：一、邀請司法院、法務部及金融監督管理委員會率所屬相關單位列席就「強制執行保單解約償債未符比例原則紛爭頻傳亂象如何解」進行專題報告，並備質詢。\n二、處理113年度中央政府總預算關於司法院及所屬主管預算凍結項目共8案。）","date":"2024-05-09","meet":{"tmpMeeting":null,"title":"第11屆第1會期司法及法制委員會第21次全體委員會議","term":11,"type":"委員會","sessionPeriod":1,"sessionTimes":21,"committees":[36],"id":"委員會-11-1-36-21"},"duration":447,"end_time":"2024-05-09T11:29:59+08:00","start_time":"2024-05-09T11:22:32+08:00","features":["ai-transcript","gazette"],"type":"Clip","gazette":{"lineno":668,"blocks":[["李委員坤城：（11時22分）謝謝主席，我們請司法院秘書長，還有民事廳的廳長，還有法務部行政執行署署長。"],["主席：請吳秘書長、周廳長跟法務部黃署長。"],["吳秘書長三龍：委員好。"],["李委員坤城：謝謝秘書長，也謝謝主席今天安排這麼有意義的一個題目，這也應該是很難得在司法及法制委員會可以一直繼續開下去，不用中途被喊散會。","有關強制執行保險契約，目前有兩個機關，一個是法院的民事執行處，然後另外一個是法務部的執行署。我先請教一下，我根據財政部的報告，財政部針對如果欠稅的話現在是委由法務部行政執行署來執行，是不是？"],["黃署長玉垣：是的。"],["李委員坤城：根據財政部的報告，國稅局從111年12月9號到113年4月30號，這段時間應該就是在最高法院民事大法庭裁定之後，國稅局強制執行人壽契約的案件有509件，起徵稅額是2.54億，這個是委由法務部行政執行署來做執行，我看了一下，你們這個執行有一個執行的原則，在你們的報告裡面也有，對不對？你們的執行原則有四個原則：第一個，傷害險及健康醫療險，還有一個一年期的短壽險（微型保單），還有第三個，保險金額累計金額新臺幣90萬以下的小型壽險，還有預估解約金還有扣除手續費後10萬元以下的壽險契約不宜扣押及執行，對不對？"],["黃署長玉垣：對，這是4月訂的，因為目前還在做滾動式的檢討，到底適不適合我們正在瞭解中。"],["李委員坤城：這是今年4月訂的？"],["黃署長玉垣：對。"],["李委員坤城：我覺得法務部這個執行的原則其實可以讓法院來做參考，因為大法庭解釋之後，法院有關保單的執行案數暴增，從112年1月到113年3月，核發扣押有3萬4,680件、終止保險契約有8,712件。","我剛剛也聽很多委員在講，這部分不是只有法院的案件增加，其實我們看到更多是保險人因為被扣了保單之後，所衍生出他們的附約，不管是健康險、或是壽險的一些相關問題，我們看到的是這個問題！可是我剛剛聽到你們在回復委員答詢的時候，尤其在法院的部分，你們目前有沒有什麼相關的準則？"],["吳秘書長三龍：事實上，跟執行署的公法上的執行還是不太一樣，但有些我們會參考，畢竟民事執行處還是債權人、債務人之間的一種私法上執行，跟執行處的執行……"],["李委員坤城：秘書長，我是認為啦，這部分可能請保險局施局長過來，就相關業務來講應該是保險局，有關行政執行署的規定，我認為也可以讓法院做參考啦，那保險局局長你認為呢？目前你們關於這部分有相關的措施，第一個，就是不及於附約嘛，或是有一些排除在執行的範圍。而我看了一下行政執行署相關的不予扣押範圍，那保險局認為呢？"],["施局長瓊華：報告委員，行政執行署這一個原則其實是跟我們討論的結果，我們未來的參考原則還會重新再檢討、再訂定，提供司法院還有行政執行署來參考。"],["李委員坤城：是呀！這個是行政執行署找過保險局討論嘛。"],["施局長瓊華：是。"],["李委員坤城：那你們在保險法相關規定還沒修改之前，可不可以就先按照這個讓法院做參考？"],["施局長瓊華：是，我們就準備要做這個事情。"],["李委員坤城：不然我剛剛聽了不管是秘書長或是廳長，他們覺得目前沒有一個相關的準則，不管是士林法院或是臺北法院，每個法院可能遇到的法官不一樣，裁決出來的效果就不一樣啊！我認為這個就可以當作法院的相關準則，對不對？"],["施局長瓊華：有……"],["李委員坤城：秘書長，您認不認同？"],["吳秘書長三龍：這個盡量，就……"],["李委員坤城：又是盡量！"],["吳秘書長三龍：我們會朝這個方向來努力。"],["李委員坤城：我剛剛就是聽你這樣，不管是我們的召委或是莊瑞雄委員，你在回復的時候就說盡量或是說怎麼樣，那廳長呢？"],["周廳長玫芳：跟委員報告，因為我們的執行債權人是一般民眾或者是金融機構，不是行政機關，所以我們跟行政執行署的強制執行的性質不太一樣，我們一旦自己訂定一些不予執行的標準或要點出來，其實債權人會異議，所以我們要面對的是聲明異議這個壓力，我們雖然把規則訂出來，債權人不買單，那這個案件量又會暴增，所以我們是在這兩個對立的衝突下做平衡，我們會盡量，但是不一定會如同行政執行署做相同的規定。"],["李委員坤城：好，我聽到秘書長說這個方向啦，有關這個準則，我還是認為保險局這邊在最短的時間……你們可以多久時間出來一個準則讓法院做參考？1個月？"],["施局長瓊華：報告委員，我們5月底就要討論了。"],["李委員坤城：5月底就要討論？"],["施局長瓊華：對！"],["李委員坤城：5月底討論，然後不知道多久才會出來啊！"],["施局長瓊華：不會啦，6月應該就可以送給他們參考。"],["李委員坤城：好啊，因為引起最多民怨的其實是在法院，案件也特別多，我希望有一個準則，其實也是減輕法官的負荷量，對於債務人也有相對的保障，當然我們保障債權，但是我們認為有一些主約結束之後的附約，就是剛剛大家提到的，不管是健康險或是其他的保單，其實要保障弱勢，這個也是我們今天特別召開這場會議最主要的一個原因，好不好？"],["吳秘書長三龍：謝謝。"],["李委員坤城：謝謝，謝謝主席。"],["主席：謝謝李委員、謝謝秘書長等。謝謝李委員的提問，也讓民事廳廳長有機會說明，行政執行署跟法院、司法院在處理不同要點、原則所適用、面對的對象是不太一樣的。","在這裡也跟在場的委員報告，我們現在進行的議程在立法院可以透過網路連結看到即時影像，我之前也跟大家報告了，今天這個專題報告事實上包括民眾、民間的電臺主動告知民眾要來收看，剛剛我們在臨提處理過程中，也有已經看到臨提處理過程的民眾打電話call in給電臺的主持人，他傳簡訊要我謝謝在場的委員、也謝謝我們今天列席的機關代表，謝謝大家，這些可能深為此所苦的民眾看到我們今天的即時處理，他們都如釋重負，希望能夠早日解除這樣的困擾。","接下來繼續邀請洪孟楷委員、洪孟楷、洪孟楷委員不在。","有請鄭正鈐委員、鄭正鈐、鄭正鈐委員不在。","有請吳召委宗憲。"]],"agenda":{"page_end":122,"meet_id":"委員會-11-1-36-21","speakers":["鍾佳濱","沈發惠","陳俊宇","謝龍介","莊瑞雄","林思銘","黃國昌","吳思瑤","鄭天財Sra Kacaw","林楚茵","羅智強","李坤城","吳宗憲","黃珊珊","傅崐萁","翁曉玲"],"page_start":65,"meetingDate":["2024-05-09"],"gazette_id":"1134301","agenda_lcidc_ids":["1134301_00003"],"meet_name":"立法院第11屆第1會期司法及法制委員會第21次全體委員會議紀錄","content":"一、邀請司法院、法務部及金融監督管理委員會率所屬相關單位列席就「強制執行保單解約償債\n未符比例原則紛爭頻傳亂象如何解」進行專題報告，並備質詢；二、處理113年度中央政府總預\n算關於司法院及所屬主管預算凍結項目共8案","agenda_id":"1134301_00002"}},"transcript":{"id":"152375","pyannote":{"name":"ronny","tool":"pyannote","data":{"url":"https://ivod.ly.gov.tw/Play/Clip/1M/152375","tool":"pyannote","id":"152375-pyannote"},"job_id":"9W88SpOurbn9qkPe","queued_at":"2024-05-31 09:42:56","status":"done","log":[{"time":"2024-05-31 09:42:56","msg":"downloading 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{\"word\": \"局\", \"start\": 233.879, \"end\": 234.26, \"score\": 0.943}, {\"word\": \"保\", \"start\": 234.26, \"end\": 234.34, \"score\": 0.975}, {\"word\": \"險\"}, {\"word\": \"局\", \"start\": 234.34, \"end\": 234.36, \"score\": 0.0}, {\"word\": \"保\", \"start\": 234.36, \"end\": 234.38, \"score\": 0.0}, {\"word\": \"險\"}, {\"word\": \"局\", \"start\": 234.38, \"end\": 234.42, \"score\": 0.5}, {\"word\": \"保\", \"start\": 234.42, \"end\": 234.68, \"score\": 0.923}, {\"word\": \"險\"}, {\"word\": \"局\", \"start\": 234.68, \"end\": 234.7, \"score\": 0.999}]}, {\"start\": 249.154, \"end\": 249.515, \"text\": \"那保險局認為咧?\", \"words\": [{\"word\": \"那\", \"start\": 249.154, \"end\": 249.314, \"score\": 0.872}, {\"word\": \"保\", \"start\": 249.314, \"end\": 249.495, \"score\": 0.88}, {\"word\": \"險\"}, {\"word\": \"局\", \"start\": 249.495, \"end\": 249.515, \"score\": 0.0}, {\"word\": \"認\"}, {\"word\": \"為\"}, {\"word\": \"咧\"}, {\"word\": \"?\"}]}, {\"start\": 269.4, \"end\": 282.911, 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00:00:52,057\n那這也應該是很難得在司法法制委員會可以一直繼續開下去不用中途被喊散會先請教一下這個強制執行保險契約目前有兩個機關一個是法院的民事執行處另外一個是法務部執行的執行署我先請教一下就是說\n\n3\n00:00:53,118 --> 00:01:18,440\n在我根據這個財政部的報告財政部的報告那財政部現在就是說這個如果欠稅的話是我由這一個法務部行政執行署來執行嘛是不是對那根據財政部的報告這個國稅局從111年12月9號到113年的4月30號這個這段時間應該就是在這個最高法院民事大法官大法庭裁定之後這個\n\n4\n00:01:20,843 --> 00:01:44,020\n國稅局的這個強制執行人受契約的案件有509件然後那個起徵的稅額是2.54億那這個是委由這個法務部行政執行署來做執行那我看了一下你們這個執行你們有一個執行的原則在你們報告裡面也有嘛對不對你們執行原則有四個原則第一個\n\n5\n00:01:44,961 --> 00:02:03,352\n傷害險期健康醫療險、一年期短受險、保險金額累計金額新台幣90萬以下的小型受險、預估解約金及扣除手續費後10萬元以下的受險契約,不宜扣押及執行。\n\n6\n00:02:06,094 --> 00:02:07,455\n這個法院的這個有關這個保單的這個執行這個案數是暴增\n\n7\n00:02:36,444 --> 00:02:57,011\n這個從112年1月到113年的3月合法扣押有34680件中時保險契約有8712件那我剛剛也聽了很多的委員在講這個不是只有說就你們法院來講這個案件是增加其實我們看到是更多這個\n\n8\n00:02:59,175 --> 00:03:21,840\n保險人他們因為被扣了這個保單之後所衍生出來的他們的這個復約不管是這個健康險或是說一些受險的一些相關的一些問題我們看到的是這個問題那可是我剛剛聽到了這一個你們在回覆這一個委員的這個答詢的時候尤其在法院的部分其實法院的部分你們目前有沒有什麼相關的準則\n\n9\n00:03:23,814 --> 00:03:27,395\n市長秘書長我是認為啦我是認為這個可能請保險局這個司局長過來當然就這個相關的業務來講應該是保險局\n\n10\n00:03:53,419 --> 00:03:54,700\n保險局保險局保險局保險局\n\n11\n00:04:09,154 --> 00:04:09,515\n那保險局認為咧?\n\n12\n00:04:29,400 --> 00:04:42,911\n報告委員行政執行署這個原則其實是跟我們討論的結果那我們未來的參考原則還會重新再檢討再提供司法院還有行政執行署來參考\n\n13\n00:04:44,157 --> 00:05:01,754\n這個是你們有跟這個其實執行所齁你們有去找過這個保險局來做討論嘛那你們這個在保險法相關規定還沒修改之前可不可以就先按照這個讓這個法院來做一個參考我們就準備要做這個事情阿不然我剛剛聽這個不管是秘書長或是廳長阿他們就覺得說欸這個目前齁沒有一個相關的準則\n\n14\n00:05:07,720 --> 00:05:24,397\n那每個法院不管是士林法院或是這個臺北法院他們每個法院可能遇到的法官不一樣裁決出來的效果就不一樣啊那這個我認為就可以來當作這一個法院的一個相關的準則啦對不對有民主黨您認不認同\n\n15\n00:05:26,254 --> 00:05:26,274\n委員\n\n16\n00:05:42,035 --> 00:05:59,528\n因為我們的執行債權人是一般民眾或者是金融機構不是行政機關所以我們跟行政執行署的強制執行的性質不太一樣我們一旦自己訂定一些不與執行的標準或要點出來其實債權人會異議\n\n17\n00:06:01,890 --> 00:06:03,332\n我聽到秘書長說是方向\n\n18\n00:06:27,792 --> 00:06:48,985\n這個準則我認為還是就是說保險局這邊這個在最短的時間你們可以多久的時間出來一個準則讓法院來做參考的一個月我們五月底就要討論了五月底就要討論五月底去討論然後不知道多久才會出來那六月應該就可以送給他們參考我是希望齁\n\n19\n00:06:51,482 --> 00:07:05,078\n在法院這邊因為引起最多民怨的其實是在法院案件也特別多那我希望說有一個準則其實也是減輕法官的這個負荷量那對於這個債務人也有相對的保障\n\n20\n00:07:05,839 --> 00:07:06,379\n主席李偉源\n\n","tsv":"start\tend\ttext\n8522\t30191\t謝謝主席我們請這個司法院的秘書長還有這個民視廳的廳長還有這個法務部的行政執行署的署長請吳秘書長、周廳長和法務部黃署長委員好謝謝秘書長這個也謝謝主席今天安排這麼有意義的一個題目\n30782\t52057\t那這也應該是很難得在司法法制委員會可以一直繼續開下去不用中途被喊散會先請教一下這個強制執行保險契約目前有兩個機關一個是法院的民事執行處另外一個是法務部執行的執行署我先請教一下就是說\n53118\t78440\t在我根據這個財政部的報告財政部的報告那財政部現在就是說這個如果欠稅的話是我由這一個法務部行政執行署來執行嘛是不是對那根據財政部的報告這個國稅局從111年12月9號到113年的4月30號這個這段時間應該就是在這個最高法院民事大法官大法庭裁定之後這個\n80843\t104020\t國稅局的這個強制執行人受契約的案件有509件然後那個起徵的稅額是2.54億那這個是委由這個法務部行政執行署來做執行那我看了一下你們這個執行你們有一個執行的原則在你們報告裡面也有嘛 對不對你們執行原則有四個原則第一個\n104961\t123352\t傷害險期健康醫療險、一年期短受險、保險金額累計金額新台幣90萬以下的小型受險、預估解約金及扣除手續費後10萬元以下的受險契約,不宜扣押及執行。\n126094\t127455\t這個法院的這個有關這個保單的這個執行這個案數是暴增\n156444\t177011\t這個從112年1月到113年的3月合法扣押有34680件中時保險契約有8712件那我剛剛也聽了很多的委員在講這個不是只有說就你們法院來講這個案件是增加其實我們看到是更多這個\n179175\t201840\t保險人他們因為被扣了這個保單之後所衍生出來的他們的這個復約不管是這個健康險或是說一些受險的一些相關的一些問題我們看到的是這個問題那可是我剛剛聽到了這一個你們在回覆這一個委員的這個答詢的時候尤其在法院的部分其實法院的部分你們目前有沒有什麼相關的準則\n203814\t207395\t市長秘書長我是認為啦我是認為這個可能請保險局這個司局長過來當然就這個相關的業務來講應該是保險局\n233419\t234700\t保險局 保險局 保險局 保險局\n249154\t249515\t那保險局認為咧?\n269400\t282911\t報告委員行政執行署這個原則其實是跟我們討論的結果那我們未來的參考原則還會重新再檢討再提供司法院還有行政執行署來參考\n284157\t301754\t這個是你們有跟這個其實執行所齁你們有去找過這個保險局來做討論嘛那你們這個在保險法相關規定還沒修改之前可不可以就先按照這個讓這個法院來做一個參考我們就準備要做這個事情阿不然我剛剛聽這個不管是秘書長或是廳長阿他們就覺得說欸這個目前齁沒有一個相關的準則\n307720\t324397\t那每個法院不管是士林法院或是這個臺北法院他們每個法院可能遇到的法官不一樣裁決出來的效果就不一樣啊那這個我認為就可以來當作這一個法院的一個相關的準則啦對不對有民主黨您認不認同\n326254\t326274\t委員\n342035\t359528\t因為我們的執行債權人是一般民眾或者是金融機構不是行政機關所以我們跟行政執行署的強制執行的性質不太一樣我們一旦自己訂定一些不與執行的標準或要點出來其實債權人會異議\n361890\t363332\t我聽到秘書長說是方向\n387792\t408985\t這個準則我認為還是就是說保險局這邊這個在最短的時間你們可以多久的時間出來一個準則讓法院來做參考的一個月我們五月底就要討論了五月底就要討論五月底去討論然後不知道多久才會出來那六月應該就可以送給他們參考我是希望齁\n411482\t425078\t在法院這邊因為引起最多民怨的其實是在法院案件也特別多那我希望說有一個準則其實也是減輕法官的這個負荷量那對於這個債務人也有相對的保障\n425839\t426379\t主席李偉源\n","txt":"謝謝主席我們請這個司法院的秘書長還有這個民視廳的廳長還有這個法務部的行政執行署的署長請吳秘書長、周廳長和法務部黃署長委員好謝謝秘書長這個也謝謝主席今天安排這麼有意義的一個題目\n那這也應該是很難得在司法法制委員會可以一直繼續開下去不用中途被喊散會先請教一下這個強制執行保險契約目前有兩個機關一個是法院的民事執行處另外一個是法務部執行的執行署我先請教一下就是說\n在我根據這個財政部的報告財政部的報告那財政部現在就是說這個如果欠稅的話是我由這一個法務部行政執行署來執行嘛是不是對那根據財政部的報告這個國稅局從111年12月9號到113年的4月30號這個這段時間應該就是在這個最高法院民事大法官大法庭裁定之後這個\n國稅局的這個強制執行人受契約的案件有509件然後那個起徵的稅額是2.54億那這個是委由這個法務部行政執行署來做執行那我看了一下你們這個執行你們有一個執行的原則在你們報告裡面也有嘛 對不對你們執行原則有四個原則第一個\n傷害險期健康醫療險、一年期短受險、保險金額累計金額新台幣90萬以下的小型受險、預估解約金及扣除手續費後10萬元以下的受險契約,不宜扣押及執行。\n這個法院的這個有關這個保單的這個執行這個案數是暴增\n這個從112年1月到113年的3月合法扣押有34680件中時保險契約有8712件那我剛剛也聽了很多的委員在講這個不是只有說就你們法院來講這個案件是增加其實我們看到是更多這個\n保險人他們因為被扣了這個保單之後所衍生出來的他們的這個復約不管是這個健康險或是說一些受險的一些相關的一些問題我們看到的是這個問題那可是我剛剛聽到了這一個你們在回覆這一個委員的這個答詢的時候尤其在法院的部分其實法院的部分你們目前有沒有什麼相關的準則\n市長秘書長我是認為啦我是認為這個可能請保險局這個司局長過來當然就這個相關的業務來講應該是保險局\n保險局 保險局 保險局 保險局\n那保險局認為咧?\n報告委員行政執行署這個原則其實是跟我們討論的結果那我們未來的參考原則還會重新再檢討再提供司法院還有行政執行署來參考\n這個是你們有跟這個其實執行所齁你們有去找過這個保險局來做討論嘛那你們這個在保險法相關規定還沒修改之前可不可以就先按照這個讓這個法院來做一個參考我們就準備要做這個事情阿不然我剛剛聽這個不管是秘書長或是廳長阿他們就覺得說欸這個目前齁沒有一個相關的準則\n那每個法院不管是士林法院或是這個臺北法院他們每個法院可能遇到的法官不一樣裁決出來的效果就不一樣啊那這個我認為就可以來當作這一個法院的一個相關的準則啦對不對有民主黨您認不認同\n委員\n因為我們的執行債權人是一般民眾或者是金融機構不是行政機關所以我們跟行政執行署的強制執行的性質不太一樣我們一旦自己訂定一些不與執行的標準或要點出來其實債權人會異議\n我聽到秘書長說是方向\n這個準則我認為還是就是說保險局這邊這個在最短的時間你們可以多久的時間出來一個準則讓法院來做參考的一個月我們五月底就要討論了五月底就要討論五月底去討論然後不知道多久才會出來那六月應該就可以送給他們參考我是希望齁\n在法院這邊因為引起最多民怨的其實是在法院案件也特別多那我希望說有一個準則其實也是減輕法官的這個負荷量那對於這個債務人也有相對的保障\n主席李偉源\n","vtt":"WEBVTT\n\n00:08.522 --> 00:30.191\n謝謝主席我們請這個司法院的秘書長還有這個民視廳的廳長還有這個法務部的行政執行署的署長請吳秘書長、周廳長和法務部黃署長委員好謝謝秘書長這個也謝謝主席今天安排這麼有意義的一個題目\n\n00:30.782 --> 00:52.057\n那這也應該是很難得在司法法制委員會可以一直繼續開下去不用中途被喊散會先請教一下這個強制執行保險契約目前有兩個機關一個是法院的民事執行處另外一個是法務部執行的執行署我先請教一下就是說\n\n00:53.118 --> 01:18.440\n在我根據這個財政部的報告財政部的報告那財政部現在就是說這個如果欠稅的話是我由這一個法務部行政執行署來執行嘛是不是對那根據財政部的報告這個國稅局從111年12月9號到113年的4月30號這個這段時間應該就是在這個最高法院民事大法官大法庭裁定之後這個\n\n01:20.843 --> 01:44.020\n國稅局的這個強制執行人受契約的案件有509件然後那個起徵的稅額是2.54億那這個是委由這個法務部行政執行署來做執行那我看了一下你們這個執行你們有一個執行的原則在你們報告裡面也有嘛對不對你們執行原則有四個原則第一個\n\n01:44.961 --> 02:03.352\n傷害險期健康醫療險、一年期短受險、保險金額累計金額新台幣90萬以下的小型受險、預估解約金及扣除手續費後10萬元以下的受險契約,不宜扣押及執行。\n\n02:06.094 --> 02:07.455\n這個法院的這個有關這個保單的這個執行這個案數是暴增\n\n02:36.444 --> 02:57.011\n這個從112年1月到113年的3月合法扣押有34680件中時保險契約有8712件那我剛剛也聽了很多的委員在講這個不是只有說就你們法院來講這個案件是增加其實我們看到是更多這個\n\n02:59.175 --> 03:21.840\n保險人他們因為被扣了這個保單之後所衍生出來的他們的這個復約不管是這個健康險或是說一些受險的一些相關的一些問題我們看到的是這個問題那可是我剛剛聽到了這一個你們在回覆這一個委員的這個答詢的時候尤其在法院的部分其實法院的部分你們目前有沒有什麼相關的準則\n\n03:23.814 --> 03:27.395\n市長秘書長我是認為啦我是認為這個可能請保險局這個司局長過來當然就這個相關的業務來講應該是保險局\n\n03:53.419 --> 03:54.700\n保險局保險局保險局保險局\n\n04:09.154 --> 04:09.515\n那保險局認為咧?\n\n04:29.400 --> 04:42.911\n報告委員行政執行署這個原則其實是跟我們討論的結果那我們未來的參考原則還會重新再檢討再提供司法院還有行政執行署來參考\n\n04:44.157 --> 05:01.754\n這個是你們有跟這個其實執行所齁你們有去找過這個保險局來做討論嘛那你們這個在保險法相關規定還沒修改之前可不可以就先按照這個讓這個法院來做一個參考我們就準備要做這個事情阿不然我剛剛聽這個不管是秘書長或是廳長阿他們就覺得說欸這個目前齁沒有一個相關的準則\n\n05:07.720 --> 05:24.397\n那每個法院不管是士林法院或是這個臺北法院他們每個法院可能遇到的法官不一樣裁決出來的效果就不一樣啊那這個我認為就可以來當作這一個法院的一個相關的準則啦對不對有民主黨您認不認同\n\n05:26.254 --> 05:26.274\n委員\n\n05:42.035 --> 05:59.528\n因為我們的執行債權人是一般民眾或者是金融機構不是行政機關所以我們跟行政執行署的強制執行的性質不太一樣我們一旦自己訂定一些不與執行的標準或要點出來其實債權人會異議\n\n06:01.890 --> 06:03.332\n我聽到秘書長說是方向\n\n06:27.792 --> 06:48.985\n這個準則我認為還是就是說保險局這邊這個在最短的時間你們可以多久的時間出來一個準則讓法院來做參考的一個月我們五月底就要討論了五月底就要討論五月底去討論然後不知道多久才會出來那六月應該就可以送給他們參考我是希望齁\n\n06:51.482 --> 07:05.078\n在法院這邊因為引起最多民怨的其實是在法院案件也特別多那我希望說有一個準則其實也是減輕法官的這個負荷量那對於這個債務人也有相對的保障\n\n07:05.839 --> 07:06.379\n主席李偉源\n\n","segments":[{"start":8.522,"end":30.191,"text":"謝謝主席我們請這個司法院的秘書長還有這個民視廳的廳長還有這個法務部的行政執行署的署長請吳秘書長、周廳長和法務部黃署長委員好謝謝秘書長這個也謝謝主席今天安排這麼有意義的一個題目"},{"start":30.782,"end":52.057,"text":"那這也應該是很難得在司法法制委員會可以一直繼續開下去不用中途被喊散會先請教一下這個強制執行保險契約目前有兩個機關一個是法院的民事執行處另外一個是法務部執行的執行署我先請教一下就是說"},{"start":53.118,"end":78.44,"text":"在我根據這個財政部的報告財政部的報告那財政部現在就是說這個如果欠稅的話是我由這一個法務部行政執行署來執行嘛是不是對那根據財政部的報告這個國稅局從111年12月9號到113年的4月30號這個這段時間應該就是在這個最高法院民事大法官大法庭裁定之後這個"},{"start":80.843,"end":104.02,"text":"國稅局的這個強制執行人受契約的案件有509件然後那個起徵的稅額是2.54億那這個是委由這個法務部行政執行署來做執行那我看了一下你們這個執行你們有一個執行的原則在你們報告裡面也有嘛 對不對你們執行原則有四個原則第一個"},{"start":104.961,"end":123.352,"text":"傷害險期健康醫療險、一年期短受險、保險金額累計金額新台幣90萬以下的小型受險、預估解約金及扣除手續費後10萬元以下的受險契約,不宜扣押及執行。"},{"start":126.094,"end":127.455,"text":"這個法院的這個有關這個保單的這個執行這個案數是暴增"},{"start":156.444,"end":177.011,"text":"這個從112年1月到113年的3月合法扣押有34680件中時保險契約有8712件那我剛剛也聽了很多的委員在講這個不是只有說就你們法院來講這個案件是增加其實我們看到是更多這個"},{"start":179.175,"end":201.84,"text":"保險人他們因為被扣了這個保單之後所衍生出來的他們的這個復約不管是這個健康險或是說一些受險的一些相關的一些問題我們看到的是這個問題那可是我剛剛聽到了這一個你們在回覆這一個委員的這個答詢的時候尤其在法院的部分其實法院的部分你們目前有沒有什麼相關的準則"},{"start":203.814,"end":207.395,"text":"市長秘書長我是認為啦我是認為這個可能請保險局這個司局長過來當然就這個相關的業務來講應該是保險局"},{"start":233.419,"end":234.7,"text":"保險局 保險局 保險局 保險局"},{"start":249.154,"end":249.515,"text":"那保險局認為咧?"},{"start":269.4,"end":282.911,"text":"報告委員行政執行署這個原則其實是跟我們討論的結果那我們未來的參考原則還會重新再檢討再提供司法院還有行政執行署來參考"},{"start":284.157,"end":301.754,"text":"這個是你們有跟這個其實執行所齁你們有去找過這個保險局來做討論嘛那你們這個在保險法相關規定還沒修改之前可不可以就先按照這個讓這個法院來做一個參考我們就準備要做這個事情阿不然我剛剛聽這個不管是秘書長或是廳長阿他們就覺得說欸這個目前齁沒有一個相關的準則"},{"start":307.72,"end":324.397,"text":"那每個法院不管是士林法院或是這個臺北法院他們每個法院可能遇到的法官不一樣裁決出來的效果就不一樣啊那這個我認為就可以來當作這一個法院的一個相關的準則啦對不對有民主黨您認不認同"},{"start":326.254,"end":326.274,"text":"委員"},{"start":342.035,"end":359.528,"text":"因為我們的執行債權人是一般民眾或者是金融機構不是行政機關所以我們跟行政執行署的強制執行的性質不太一樣我們一旦自己訂定一些不與執行的標準或要點出來其實債權人會異議"},{"start":361.89,"end":363.332,"text":"我聽到秘書長說是方向"},{"start":387.792,"end":408.985,"text":"這個準則我認為還是就是說保險局這邊這個在最短的時間你們可以多久的時間出來一個準則讓法院來做參考的一個月我們五月底就要討論了五月底就要討論五月底去討論然後不知道多久才會出來那六月應該就可以送給他們參考我是希望齁"},{"start":411.482,"end":425.078,"text":"在法院這邊因為引起最多民怨的其實是在法院案件也特別多那我希望說有一個準則其實也是減輕法官的這個負荷量那對於這個債務人也有相對的保障"},{"start":425.839,"end":426.379,"text":"主席李偉源"}]}}}}