{"id":154473,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/154473","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/5ad2054f9b7cf4bd4da21d50badb14a7cb3f5941fe168625d15f5ccb8d26769b47817b53da4fb3745ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"顏寬恒","委員發言時間":"10:35:04 - 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622.111, \"end\": 622.131, \"score\": 0.0}, {\"word\": \"議\"}, {\"word\": \"員\"}, {\"word\": \"主\", \"start\": 640.675, \"end\": 640.795, \"score\": 0.833}, {\"word\": \"席\", \"start\": 640.795, \"end\": 640.815, \"score\": 0.0}, {\"word\": \"主\", \"start\": 640.815, \"end\": 640.835, \"score\": 0.0}, {\"word\": \"席\", \"start\": 640.835, \"end\": 640.855, \"score\": 0.0}, {\"word\": \"王\", \"start\": 672.233, \"end\": 672.474, \"score\": 0.926}, {\"word\": \"宏\", \"start\": 672.474, \"end\": 672.655, \"score\": 0.965}, {\"word\": \"威\", \"start\": 672.655, \"end\": 673.178, \"score\": 0.937}, {\"word\": \"委\", \"start\": 673.178, \"end\": 673.198, \"score\": 0.977}, {\"word\": \"員\"}], \"language\": \"zh\"}","srt":"1\n00:00:00,029 --> 00:00:06,485\n各位官員、各位委員、大家早主席我想請金管會彭主委請彭主委\n\n2\n00:00:14,087 --> 00:00:36,393\n針對如何促進保險業資金擴大參與公共建設：加速建設之推動保險業資金作為穩定可觀的資金來源應該能夠在公共建設當中發揮更大的作用目前保險業資金參與公共建設的程度非常有限僅佔可運用資金的0.42%\n\n3\n00:00:38,374 --> 00:00:55,865\n那目前我國保險業資金主要投資在债券、股票、不動產等傳統資產而參與公共建設的比例非常低那這主要是因為現行法規對於保險資金運用的限制還有公共建設項目的投資風險還有回報週期比較長這些原因\n\n4\n00:01:01,109 --> 00:01:16,670\n現行法規對於保險資金的運用有一定的限制比例不得超過資產總額的30%在這一定程度上限制了保險資金投入公共建設的\n\n5\n00:01:17,731 --> 00:01:21,013\n中央銀行、國家發展委員會、經濟部、交通部列席備詢\n\n6\n00:01:43,770 --> 00:02:03,200\n報告委員您提到這個三個原因確實比如說像第二個原因跟第三個原因確實那第一個原因容我說明一下其實保險業它根據保險法146條之二裡面可以投資在不動產的額度剛剛委員也提到30%其實我們現在實際的投入應該是遠低於這個\n\n7\n00:02:03,880 --> 00:02:30,625\n所以我們這個不動產的投資比例應該不會限制到這個公建那只是我們對不動產的投資有很多比如說避免炒房我們是不可以投入住宅也對於投入商辦我們有一定的最低報酬率的限制這個東西可能是我們比較對於市場管控的一些比較多的措施但是這個比例的部分根據我們的現在的評估是不需要做這個修法因為我們不管是不動產投資現在比例\n\n8\n00:02:31,365 --> 00:02:45,964\n其實加上比如說BOT這些案例其實都還有很多的額度所以這個部分保險法146條的規定這個部分對於不動產投資的比例有所限制所以我才想要問說\n\n9\n00:02:47,350 --> 00:03:11,743\n主委,這院板,您要不要提出院板,針對保險資金投入公共建設的部分來做一個修正。提高它的比例。如果這樣的話,如果我們市場上已經有普遍存在非常適合的投資工具的話,我們可以考量朝這個方向來思考。但現在問題是,假設我們規定有一定的比例要投資公建,問題是我們現在的沒有那麼多的\n\n10\n00:03:12,563 --> 00:03:14,444\n邀請中央銀行、國家發展委員會．加速建設之推動．加速建設之推動\n\n11\n00:03:40,058 --> 00:03:58,405\n對,就像你報告裡面也寫到就是說要推動公共建設作為這個國家的重要政策那配合國家重要政策適時的檢討相關法規促進保險業者投入公共建設所以你剛剛提到說投資工件、標的物這些部分都必須要去創造是的\n\n12\n00:04:00,806 --> 00:04:18,319\n所以第一個它的風險性以及它的我們剛剛有提到就是說政策變動或者是市場風險然後呢投資金額量體很大回收的週期很長所以這個才需要我們國家政策的一個介入然後來幫助它\n\n13\n00:04:19,279 --> 00:04:35,989\n這部分所以我想請主委來做一個更具體的一個設想好不好那再來就是說我再提出啦我也要解決等於說促進保險業者擴大參與公共建設那我提出幾點的建議\n\n14\n00:04:37,630 --> 00:05:03,858\n調整法規的限制就像你的報告裡面有提到適當的放寬這些公共建設的一個投資的限制提高保險資金在基礎設施和公共服務領域的一個投資比例制定一個針對性的政策鼓勵保險公司參與公共建設的項目第二點就是建立投資保障機制\n\n15\n00:05:07,279 --> 00:05:34,609\n經管會應該要建立健全的一個公共建設項目投資保障機制這部分來保障我們的保險公司第三項就是提供稅收優惠相關的這些基地措施那對於積極參與公共建設的保險公司提供稅收優惠那基地保險公司來參加對於這種公共建設一個投資那主委\n\n16\n00:05:35,669 --> 00:06:02,217\n促進保險業資金參與公共建設．能為我國公共建設提供穩定的資金來源．而且還能夠提升保險公司的一個資產配置效率．實現雙贏．然後促進保險業資金擴大參與公共建設的部分那我們召委羅明才召委提案保險業目前依法海外投資最高可達可運用資金的45%\n\n17\n00:06:03,854 --> 00:06:29,106\n那這是經過了我看這個報告裡面他經過了從這個81年然後89年96年三次的修法把原來的一個比例從20%一直提高到45%對,從5%一直提高到45%那昭緯他是希望說能夠把這個資金能夠\n\n18\n00:06:34,588 --> 00:06:34,868\n主席\n\n19\n00:07:01,972 --> 00:07:17,106\n資金不只是保險業的資金能夠投資台灣創造產業創造就業機會這當然是大家所樂見剛剛有提到說保險業過去為什麼這麼高的比例投資確實我剛剛也簡單說明2002年以前的高利率保單\n\n20\n00:07:18,007 --> 00:07:18,167\n委員會主席\n\n21\n00:07:46,781 --> 00:08:08,522\n不管是鼓勵或是提醒保險公司多多來投資這樣創造雙贏這才是我們真正未來可以來努力的一個方向所以說我們幫助國內把這些把國人的錢留在台灣那海外投資最高可達運用資金的45%所以就是說主委按照你剛剛的說法這45%會下修\n\n22\n00:08:10,460 --> 00:08:35,452\n這45%現在因為其實保險業資金的45%是動他每年會隨著他業績增加而增加所以比如說我們假設保險公司每年大概多一兩兆的新錢進來實際上這部分我們就可以多多鼓勵他投資台灣對但是他已經配置在海外的這些的這些那個投資如果貿然的去做這些處理的話其實會產生很大的那個負向的作用所以我們要必須要謹慎\n\n23\n00:08:36,232 --> 00:08:57,293\n好,所以調降保險業資金,國外的投資總額,調降,然後呢,讓資金回到台灣投資,建設台灣,帶動科技產業的升級,創造更多的就業機會,然後提升員工的薪資等等,這是我們最重要的目標啦。就是說提升國內是我們的目標,但是我們的方法要用一個比較適合的方法。\n\n24\n00:09:00,356 --> 00:09:09,929\n好,謝謝主委。謝謝委員。那我想請我們央行我們的總裁。央行嚴副總裁。\n\n25\n00:09:21,107 --> 00:09:34,298\n央行日前為了打炒房所以調升存款準備率收收銀行1200億的資金那你認為調高這個存款準備率是實質而強力有力的緊縮措施是這樣子嗎\n\n26\n00:09:36,124 --> 00:10:04,195\n因為我們只有調生鷹馬他其實回收資金1200億那每一個銀行分攤下來的話有的大銀行大概二三十億這樣子那基本上我們是希望透過這樣子來讓銀行的資金稍微緊縮一下特別在對房地產的放款方面對那這樣子對銀行的一個放貸資金造成一個抑制的效果那所以會不會間接也造成了對物價的波動\n\n27\n00:10:05,462 --> 00:10:21,331\n我個人認為沒有那麼直接看不出來有直接的影響因為我們還會透過公開市場操作隨時去調整銀行的那個有事項疑慮我想請教有事項疑慮第一個就是說貸款利率上升\n\n28\n00:10:22,111 --> 00:10:22,131\n韓國瑜議員\n\n29\n00:10:40,675 --> 00:10:40,855\n主席主席\n\n30\n00:11:12,233 --> 00:11:13,198\n王宏威委員\n\n","tsv":"start\tend\ttext\n29\t6485\t各位官員、各位委員、大家早主席我想請金管會彭主委請彭主委\n14087\t36393\t針對如何促進保險業資金擴大參與公共建設：加速建設之推動保險業資金作為穩定可觀的資金來源應該能夠在公共建設當中發揮更大的作用目前保險業資金參與公共建設的程度非常有限僅佔可運用資金的0.42%\n38374\t55865\t那目前我國保險業資金主要投資在债券、股票、不動產等傳統資產而參與公共建設的比例非常低那這主要是因為現行法規對於保險資金運用的限制還有公共建設項目的投資風險還有回報週期比較長這些原因\n61109\t76670\t現行法規對於保險資金的運用有一定的限制比例不得超過資產總額的30%在這一定程度上限制了保險資金投入公共建設的\n77731\t81013\t中央銀行、國家發展委員會、經濟部、交通部列席備詢\n103770\t123200\t報告委員您提到這個三個原因確實比如說像第二個原因跟第三個原因確實那第一個原因容我說明一下其實保險業它根據保險法146條之二裡面可以投資在不動產的額度剛剛委員也提到30%其實我們現在實際的投入應該是遠低於這個\n123880\t150625\t所以我們這個不動產的投資比例應該不會限制到這個公建那只是我們對不動產的投資有很多比如說避免炒房我們是不可以投入住宅也對於投入商辦我們有一定的最低報酬率的限制這個東西可能是我們比較對於市場管控的一些比較多的措施但是這個比例的部分根據我們的現在的評估是不需要做這個修法因為我們不管是不動產投資現在比例\n151365\t165964\t其實加上比如說BOT這些案例其實都還有很多的額度所以這個部分保險法146條的規定這個部分對於不動產投資的比例有所限制所以我才想要問說\n167350\t191743\t主委,這院板,您要不要提出院板,針對保險資金投入公共建設的部分來做一個修正。提高它的比例。如果這樣的話,如果我們市場上已經有普遍存在非常適合的投資工具的話,我們可以考量朝這個方向來思考。但現在問題是,假設我們規定有一定的比例要投資公建,問題是我們現在的沒有那麼多的\n192563\t194444\t邀請中央銀行、國家發展委員會．加速建設之推動．加速建設之推動\n220058\t238405\t對,就像你報告裡面也寫到就是說要推動公共建設作為這個國家的重要政策那配合國家重要政策適時的檢討相關法規促進保險業者投入公共建設所以你剛剛提到說投資工件、標的物這些部分都必須要去創造是的\n240806\t258319\t所以第一個它的風險性以及它的我們剛剛有提到就是說政策變動或者是市場風險然後呢投資金額量體很大回收的週期很長所以這個才需要我們國家政策的一個介入然後來幫助它\n259279\t275989\t這部分所以我想請主委來做一個更具體的一個設想好不好那再來就是說我再提出啦我也要解決等於說促進保險業者擴大參與公共建設那我提出幾點的建議\n277630\t303858\t調整法規的限制就像你的報告裡面有提到適當的放寬這些公共建設的一個投資的限制提高保險資金在基礎設施和公共服務領域的一個投資比例制定一個針對性的政策鼓勵保險公司參與公共建設的項目第二點就是建立投資保障機制\n307279\t334609\t經管會應該要建立健全的一個公共建設項目投資保障機制這部分來保障我們的保險公司第三項就是提供稅收優惠相關的這些基地措施那對於積極參與公共建設的保險公司提供稅收優惠那基地保險公司來參加對於這種公共建設一個投資那主委\n335669\t362217\t促進保險業資金參與公共建設．能為我國公共建設提供穩定的資金來源．而且還能夠提升保險公司的一個資產配置效率．實現雙贏．然後促進保險業資金擴大參與公共建設的部分那我們召委羅明才召委提案保險業目前依法海外投資最高可達可運用資金的45%\n363854\t389106\t那這是經過了我看這個報告裡面他經過了從這個81年然後89年96年三次的修法把原來的一個比例從20%一直提高到45%對,從5%一直提高到45%那昭緯他是希望說能夠把這個資金能夠\n394588\t394868\t主席\n421972\t437106\t資金不只是保險業的資金能夠投資台灣創造產業創造就業機會這當然是大家所樂見剛剛有提到說保險業過去為什麼這麼高的比例投資確實我剛剛也簡單說明2002年以前的高利率保單\n438007\t438167\t委員會主席\n466781\t488522\t不管是鼓勵或是提醒保險公司多多來投資這樣創造雙贏這才是我們真正未來可以來努力的一個方向所以說我們幫助國內把這些把國人的錢留在台灣那海外投資最高可達運用資金的45%所以就是說主委按照你剛剛的說法這45%會下修\n490460\t515452\t這45%現在因為其實保險業資金的45%是動他每年會隨著他業績增加而增加所以比如說我們假設保險公司每年大概多一兩兆的新錢進來實際上這部分我們就可以多多鼓勵他投資台灣對但是他已經配置在海外的這些的這些那個投資如果貿然的去做這些處理的話其實會產生很大的那個負向的作用所以我們要必須要謹慎\n516232\t537293\t好,所以調降保險業資金,國外的投資總額,調降,然後呢,讓資金回到台灣投資,建設台灣,帶動科技產業的升級,創造更多的就業機會,然後提升員工的薪資等等,這是我們最重要的目標啦。就是說提升國內是我們的目標,但是我們的方法要用一個比較適合的方法。\n540356\t549929\t好,謝謝主委。謝謝委員。那我想請我們央行我們的總裁。央行嚴副總裁。\n561107\t574298\t央行日前為了打炒房所以調升存款準備率收收銀行1200億的資金那你認為調高這個存款準備率是實質而強力有力的緊縮措施是這樣子嗎\n576124\t604195\t因為我們只有調生鷹馬他其實回收資金1200億那每一個銀行分攤下來的話有的大銀行大概二三十億這樣子那基本上我們是希望透過這樣子來讓銀行的資金稍微緊縮一下特別在對房地產的放款方面對那這樣子對銀行的一個放貸資金造成一個抑制的效果那所以會不會間接也造成了對物價的波動\n605462\t621331\t我個人認為沒有那麼直接看不出來有直接的影響因為我們還會透過公開市場操作隨時去調整銀行的那個有事項疑慮 我想請教有事項疑慮第一個就是說貸款利率上升\n622111\t622131\t韓國瑜議員\n640675\t640855\t主席主席\n672233\t673198\t王宏威委員\n","txt":"各位官員、各位委員、大家早主席我想請金管會彭主委請彭主委\n針對如何促進保險業資金擴大參與公共建設：加速建設之推動保險業資金作為穩定可觀的資金來源應該能夠在公共建設當中發揮更大的作用目前保險業資金參與公共建設的程度非常有限僅佔可運用資金的0.42%\n那目前我國保險業資金主要投資在债券、股票、不動產等傳統資產而參與公共建設的比例非常低那這主要是因為現行法規對於保險資金運用的限制還有公共建設項目的投資風險還有回報週期比較長這些原因\n現行法規對於保險資金的運用有一定的限制比例不得超過資產總額的30%在這一定程度上限制了保險資金投入公共建設的\n中央銀行、國家發展委員會、經濟部、交通部列席備詢\n報告委員您提到這個三個原因確實比如說像第二個原因跟第三個原因確實那第一個原因容我說明一下其實保險業它根據保險法146條之二裡面可以投資在不動產的額度剛剛委員也提到30%其實我們現在實際的投入應該是遠低於這個\n所以我們這個不動產的投資比例應該不會限制到這個公建那只是我們對不動產的投資有很多比如說避免炒房我們是不可以投入住宅也對於投入商辦我們有一定的最低報酬率的限制這個東西可能是我們比較對於市場管控的一些比較多的措施但是這個比例的部分根據我們的現在的評估是不需要做這個修法因為我們不管是不動產投資現在比例\n其實加上比如說BOT這些案例其實都還有很多的額度所以這個部分保險法146條的規定這個部分對於不動產投資的比例有所限制所以我才想要問說\n主委,這院板,您要不要提出院板,針對保險資金投入公共建設的部分來做一個修正。提高它的比例。如果這樣的話,如果我們市場上已經有普遍存在非常適合的投資工具的話,我們可以考量朝這個方向來思考。但現在問題是,假設我們規定有一定的比例要投資公建,問題是我們現在的沒有那麼多的\n邀請中央銀行、國家發展委員會．加速建設之推動．加速建設之推動\n對,就像你報告裡面也寫到就是說要推動公共建設作為這個國家的重要政策那配合國家重要政策適時的檢討相關法規促進保險業者投入公共建設所以你剛剛提到說投資工件、標的物這些部分都必須要去創造是的\n所以第一個它的風險性以及它的我們剛剛有提到就是說政策變動或者是市場風險然後呢投資金額量體很大回收的週期很長所以這個才需要我們國家政策的一個介入然後來幫助它\n這部分所以我想請主委來做一個更具體的一個設想好不好那再來就是說我再提出啦我也要解決等於說促進保險業者擴大參與公共建設那我提出幾點的建議\n調整法規的限制就像你的報告裡面有提到適當的放寬這些公共建設的一個投資的限制提高保險資金在基礎設施和公共服務領域的一個投資比例制定一個針對性的政策鼓勵保險公司參與公共建設的項目第二點就是建立投資保障機制\n經管會應該要建立健全的一個公共建設項目投資保障機制這部分來保障我們的保險公司第三項就是提供稅收優惠相關的這些基地措施那對於積極參與公共建設的保險公司提供稅收優惠那基地保險公司來參加對於這種公共建設一個投資那主委\n促進保險業資金參與公共建設．能為我國公共建設提供穩定的資金來源．而且還能夠提升保險公司的一個資產配置效率．實現雙贏．然後促進保險業資金擴大參與公共建設的部分那我們召委羅明才召委提案保險業目前依法海外投資最高可達可運用資金的45%\n那這是經過了我看這個報告裡面他經過了從這個81年然後89年96年三次的修法把原來的一個比例從20%一直提高到45%對,從5%一直提高到45%那昭緯他是希望說能夠把這個資金能夠\n主席\n資金不只是保險業的資金能夠投資台灣創造產業創造就業機會這當然是大家所樂見剛剛有提到說保險業過去為什麼這麼高的比例投資確實我剛剛也簡單說明2002年以前的高利率保單\n委員會主席\n不管是鼓勵或是提醒保險公司多多來投資這樣創造雙贏這才是我們真正未來可以來努力的一個方向所以說我們幫助國內把這些把國人的錢留在台灣那海外投資最高可達運用資金的45%所以就是說主委按照你剛剛的說法這45%會下修\n這45%現在因為其實保險業資金的45%是動他每年會隨著他業績增加而增加所以比如說我們假設保險公司每年大概多一兩兆的新錢進來實際上這部分我們就可以多多鼓勵他投資台灣對但是他已經配置在海外的這些的這些那個投資如果貿然的去做這些處理的話其實會產生很大的那個負向的作用所以我們要必須要謹慎\n好,所以調降保險業資金,國外的投資總額,調降,然後呢,讓資金回到台灣投資,建設台灣,帶動科技產業的升級,創造更多的就業機會,然後提升員工的薪資等等,這是我們最重要的目標啦。就是說提升國內是我們的目標,但是我們的方法要用一個比較適合的方法。\n好,謝謝主委。謝謝委員。那我想請我們央行我們的總裁。央行嚴副總裁。\n央行日前為了打炒房所以調升存款準備率收收銀行1200億的資金那你認為調高這個存款準備率是實質而強力有力的緊縮措施是這樣子嗎\n因為我們只有調生鷹馬他其實回收資金1200億那每一個銀行分攤下來的話有的大銀行大概二三十億這樣子那基本上我們是希望透過這樣子來讓銀行的資金稍微緊縮一下特別在對房地產的放款方面對那這樣子對銀行的一個放貸資金造成一個抑制的效果那所以會不會間接也造成了對物價的波動\n我個人認為沒有那麼直接看不出來有直接的影響因為我們還會透過公開市場操作隨時去調整銀行的那個有事項疑慮 我想請教有事項疑慮第一個就是說貸款利率上升\n韓國瑜議員\n主席主席\n王宏威委員\n","vtt":"WEBVTT\n\n00:00.029 --> 00:06.485\n各位官員、各位委員、大家早主席我想請金管會彭主委請彭主委\n\n00:14.087 --> 00:36.393\n針對如何促進保險業資金擴大參與公共建設：加速建設之推動保險業資金作為穩定可觀的資金來源應該能夠在公共建設當中發揮更大的作用目前保險業資金參與公共建設的程度非常有限僅佔可運用資金的0.42%\n\n00:38.374 --> 00:55.865\n那目前我國保險業資金主要投資在债券、股票、不動產等傳統資產而參與公共建設的比例非常低那這主要是因為現行法規對於保險資金運用的限制還有公共建設項目的投資風險還有回報週期比較長這些原因\n\n01:01.109 --> 01:16.670\n現行法規對於保險資金的運用有一定的限制比例不得超過資產總額的30%在這一定程度上限制了保險資金投入公共建設的\n\n01:17.731 --> 01:21.013\n中央銀行、國家發展委員會、經濟部、交通部列席備詢\n\n01:43.770 --> 02:03.200\n報告委員您提到這個三個原因確實比如說像第二個原因跟第三個原因確實那第一個原因容我說明一下其實保險業它根據保險法146條之二裡面可以投資在不動產的額度剛剛委員也提到30%其實我們現在實際的投入應該是遠低於這個\n\n02:03.880 --> 02:30.625\n所以我們這個不動產的投資比例應該不會限制到這個公建那只是我們對不動產的投資有很多比如說避免炒房我們是不可以投入住宅也對於投入商辦我們有一定的最低報酬率的限制這個東西可能是我們比較對於市場管控的一些比較多的措施但是這個比例的部分根據我們的現在的評估是不需要做這個修法因為我們不管是不動產投資現在比例\n\n02:31.365 --> 02:45.964\n其實加上比如說BOT這些案例其實都還有很多的額度所以這個部分保險法146條的規定這個部分對於不動產投資的比例有所限制所以我才想要問說\n\n02:47.350 --> 03:11.743\n主委,這院板,您要不要提出院板,針對保險資金投入公共建設的部分來做一個修正。提高它的比例。如果這樣的話,如果我們市場上已經有普遍存在非常適合的投資工具的話,我們可以考量朝這個方向來思考。但現在問題是,假設我們規定有一定的比例要投資公建,問題是我們現在的沒有那麼多的\n\n03:12.563 --> 03:14.444\n邀請中央銀行、國家發展委員會．加速建設之推動．加速建設之推動\n\n03:40.058 --> 03:58.405\n對,就像你報告裡面也寫到就是說要推動公共建設作為這個國家的重要政策那配合國家重要政策適時的檢討相關法規促進保險業者投入公共建設所以你剛剛提到說投資工件、標的物這些部分都必須要去創造是的\n\n04:00.806 --> 04:18.319\n所以第一個它的風險性以及它的我們剛剛有提到就是說政策變動或者是市場風險然後呢投資金額量體很大回收的週期很長所以這個才需要我們國家政策的一個介入然後來幫助它\n\n04:19.279 --> 04:35.989\n這部分所以我想請主委來做一個更具體的一個設想好不好那再來就是說我再提出啦我也要解決等於說促進保險業者擴大參與公共建設那我提出幾點的建議\n\n04:37.630 --> 05:03.858\n調整法規的限制就像你的報告裡面有提到適當的放寬這些公共建設的一個投資的限制提高保險資金在基礎設施和公共服務領域的一個投資比例制定一個針對性的政策鼓勵保險公司參與公共建設的項目第二點就是建立投資保障機制\n\n05:07.279 --> 05:34.609\n經管會應該要建立健全的一個公共建設項目投資保障機制這部分來保障我們的保險公司第三項就是提供稅收優惠相關的這些基地措施那對於積極參與公共建設的保險公司提供稅收優惠那基地保險公司來參加對於這種公共建設一個投資那主委\n\n05:35.669 --> 06:02.217\n促進保險業資金參與公共建設．能為我國公共建設提供穩定的資金來源．而且還能夠提升保險公司的一個資產配置效率．實現雙贏．然後促進保險業資金擴大參與公共建設的部分那我們召委羅明才召委提案保險業目前依法海外投資最高可達可運用資金的45%\n\n06:03.854 --> 06:29.106\n那這是經過了我看這個報告裡面他經過了從這個81年然後89年96年三次的修法把原來的一個比例從20%一直提高到45%對,從5%一直提高到45%那昭緯他是希望說能夠把這個資金能夠\n\n06:34.588 --> 06:34.868\n主席\n\n07:01.972 --> 07:17.106\n資金不只是保險業的資金能夠投資台灣創造產業創造就業機會這當然是大家所樂見剛剛有提到說保險業過去為什麼這麼高的比例投資確實我剛剛也簡單說明2002年以前的高利率保單\n\n07:18.007 --> 07:18.167\n委員會主席\n\n07:46.781 --> 08:08.522\n不管是鼓勵或是提醒保險公司多多來投資這樣創造雙贏這才是我們真正未來可以來努力的一個方向所以說我們幫助國內把這些把國人的錢留在台灣那海外投資最高可達運用資金的45%所以就是說主委按照你剛剛的說法這45%會下修\n\n08:10.460 --> 08:35.452\n這45%現在因為其實保險業資金的45%是動他每年會隨著他業績增加而增加所以比如說我們假設保險公司每年大概多一兩兆的新錢進來實際上這部分我們就可以多多鼓勵他投資台灣對但是他已經配置在海外的這些的這些那個投資如果貿然的去做這些處理的話其實會產生很大的那個負向的作用所以我們要必須要謹慎\n\n08:36.232 --> 08:57.293\n好,所以調降保險業資金,國外的投資總額,調降,然後呢,讓資金回到台灣投資,建設台灣,帶動科技產業的升級,創造更多的就業機會,然後提升員工的薪資等等,這是我們最重要的目標啦。就是說提升國內是我們的目標,但是我們的方法要用一個比較適合的方法。\n\n09:00.356 --> 09:09.929\n好,謝謝主委。謝謝委員。那我想請我們央行我們的總裁。央行嚴副總裁。\n\n09:21.107 --> 09:34.298\n央行日前為了打炒房所以調升存款準備率收收銀行1200億的資金那你認為調高這個存款準備率是實質而強力有力的緊縮措施是這樣子嗎\n\n09:36.124 --> 10:04.195\n因為我們只有調生鷹馬他其實回收資金1200億那每一個銀行分攤下來的話有的大銀行大概二三十億這樣子那基本上我們是希望透過這樣子來讓銀行的資金稍微緊縮一下特別在對房地產的放款方面對那這樣子對銀行的一個放貸資金造成一個抑制的效果那所以會不會間接也造成了對物價的波動\n\n10:05.462 --> 10:21.331\n我個人認為沒有那麼直接看不出來有直接的影響因為我們還會透過公開市場操作隨時去調整銀行的那個有事項疑慮我想請教有事項疑慮第一個就是說貸款利率上升\n\n10:22.111 --> 10:22.131\n韓國瑜議員\n\n10:40.675 --> 10:40.855\n主席主席\n\n11:12.233 --> 11:13.198\n王宏威委員\n\n","segments":[{"start":0.029,"end":6.485,"text":"各位官員、各位委員、大家早主席我想請金管會彭主委請彭主委"},{"start":14.087,"end":36.393,"text":"針對如何促進保險業資金擴大參與公共建設：加速建設之推動保險業資金作為穩定可觀的資金來源應該能夠在公共建設當中發揮更大的作用目前保險業資金參與公共建設的程度非常有限僅佔可運用資金的0.42%"},{"start":38.374,"end":55.865,"text":"那目前我國保險業資金主要投資在债券、股票、不動產等傳統資產而參與公共建設的比例非常低那這主要是因為現行法規對於保險資金運用的限制還有公共建設項目的投資風險還有回報週期比較長這些原因"},{"start":61.109,"end":76.67,"text":"現行法規對於保險資金的運用有一定的限制比例不得超過資產總額的30%在這一定程度上限制了保險資金投入公共建設的"},{"start":77.731,"end":81.013,"text":"中央銀行、國家發展委員會、經濟部、交通部列席備詢"},{"start":103.77,"end":123.2,"text":"報告委員您提到這個三個原因確實比如說像第二個原因跟第三個原因確實那第一個原因容我說明一下其實保險業它根據保險法146條之二裡面可以投資在不動產的額度剛剛委員也提到30%其實我們現在實際的投入應該是遠低於這個"},{"start":123.88,"end":150.625,"text":"所以我們這個不動產的投資比例應該不會限制到這個公建那只是我們對不動產的投資有很多比如說避免炒房我們是不可以投入住宅也對於投入商辦我們有一定的最低報酬率的限制這個東西可能是我們比較對於市場管控的一些比較多的措施但是這個比例的部分根據我們的現在的評估是不需要做這個修法因為我們不管是不動產投資現在比例"},{"start":151.365,"end":165.964,"text":"其實加上比如說BOT這些案例其實都還有很多的額度所以這個部分保險法146條的規定這個部分對於不動產投資的比例有所限制所以我才想要問說"},{"start":167.35,"end":191.743,"text":"主委,這院板,您要不要提出院板,針對保險資金投入公共建設的部分來做一個修正。提高它的比例。如果這樣的話,如果我們市場上已經有普遍存在非常適合的投資工具的話,我們可以考量朝這個方向來思考。但現在問題是,假設我們規定有一定的比例要投資公建,問題是我們現在的沒有那麼多的"},{"start":192.563,"end":194.444,"text":"邀請中央銀行、國家發展委員會．加速建設之推動．加速建設之推動"},{"start":220.058,"end":238.405,"text":"對,就像你報告裡面也寫到就是說要推動公共建設作為這個國家的重要政策那配合國家重要政策適時的檢討相關法規促進保險業者投入公共建設所以你剛剛提到說投資工件、標的物這些部分都必須要去創造是的"},{"start":240.806,"end":258.319,"text":"所以第一個它的風險性以及它的我們剛剛有提到就是說政策變動或者是市場風險然後呢投資金額量體很大回收的週期很長所以這個才需要我們國家政策的一個介入然後來幫助它"},{"start":259.279,"end":275.989,"text":"這部分所以我想請主委來做一個更具體的一個設想好不好那再來就是說我再提出啦我也要解決等於說促進保險業者擴大參與公共建設那我提出幾點的建議"},{"start":277.63,"end":303.858,"text":"調整法規的限制就像你的報告裡面有提到適當的放寬這些公共建設的一個投資的限制提高保險資金在基礎設施和公共服務領域的一個投資比例制定一個針對性的政策鼓勵保險公司參與公共建設的項目第二點就是建立投資保障機制"},{"start":307.279,"end":334.609,"text":"經管會應該要建立健全的一個公共建設項目投資保障機制這部分來保障我們的保險公司第三項就是提供稅收優惠相關的這些基地措施那對於積極參與公共建設的保險公司提供稅收優惠那基地保險公司來參加對於這種公共建設一個投資那主委"},{"start":335.669,"end":362.217,"text":"促進保險業資金參與公共建設．能為我國公共建設提供穩定的資金來源．而且還能夠提升保險公司的一個資產配置效率．實現雙贏．然後促進保險業資金擴大參與公共建設的部分那我們召委羅明才召委提案保險業目前依法海外投資最高可達可運用資金的45%"},{"start":363.854,"end":389.106,"text":"那這是經過了我看這個報告裡面他經過了從這個81年然後89年96年三次的修法把原來的一個比例從20%一直提高到45%對,從5%一直提高到45%那昭緯他是希望說能夠把這個資金能夠"},{"start":394.588,"end":394.868,"text":"主席"},{"start":421.972,"end":437.106,"text":"資金不只是保險業的資金能夠投資台灣創造產業創造就業機會這當然是大家所樂見剛剛有提到說保險業過去為什麼這麼高的比例投資確實我剛剛也簡單說明2002年以前的高利率保單"},{"start":438.007,"end":438.167,"text":"委員會主席"},{"start":466.781,"end":488.522,"text":"不管是鼓勵或是提醒保險公司多多來投資這樣創造雙贏這才是我們真正未來可以來努力的一個方向所以說我們幫助國內把這些把國人的錢留在台灣那海外投資最高可達運用資金的45%所以就是說主委按照你剛剛的說法這45%會下修"},{"start":490.46,"end":515.452,"text":"這45%現在因為其實保險業資金的45%是動他每年會隨著他業績增加而增加所以比如說我們假設保險公司每年大概多一兩兆的新錢進來實際上這部分我們就可以多多鼓勵他投資台灣對但是他已經配置在海外的這些的這些那個投資如果貿然的去做這些處理的話其實會產生很大的那個負向的作用所以我們要必須要謹慎"},{"start":516.232,"end":537.293,"text":"好,所以調降保險業資金,國外的投資總額,調降,然後呢,讓資金回到台灣投資,建設台灣,帶動科技產業的升級,創造更多的就業機會,然後提升員工的薪資等等,這是我們最重要的目標啦。就是說提升國內是我們的目標,但是我們的方法要用一個比較適合的方法。"},{"start":540.356,"end":549.929,"text":"好,謝謝主委。謝謝委員。那我想請我們央行我們的總裁。央行嚴副總裁。"},{"start":561.107,"end":574.298,"text":"央行日前為了打炒房所以調升存款準備率收收銀行1200億的資金那你認為調高這個存款準備率是實質而強力有力的緊縮措施是這樣子嗎"},{"start":576.124,"end":604.195,"text":"因為我們只有調生鷹馬他其實回收資金1200億那每一個銀行分攤下來的話有的大銀行大概二三十億這樣子那基本上我們是希望透過這樣子來讓銀行的資金稍微緊縮一下特別在對房地產的放款方面對那這樣子對銀行的一個放貸資金造成一個抑制的效果那所以會不會間接也造成了對物價的波動"},{"start":605.462,"end":621.331,"text":"我個人認為沒有那麼直接看不出來有直接的影響因為我們還會透過公開市場操作隨時去調整銀行的那個有事項疑慮 我想請教有事項疑慮第一個就是說貸款利率上升"},{"start":622.111,"end":622.131,"text":"韓國瑜議員"},{"start":640.675,"end":640.855,"text":"主席主席"},{"start":672.233,"end":673.198,"text":"王宏威委員"}]}}}}