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0.865}, {\"word\": \"委\", \"start\": 563.649, \"end\": 563.809, \"score\": 0.873}, {\"word\": \"員\"}, {\"word\": \"現\"}, {\"word\": \"在\", \"start\": 563.809, \"end\": 563.989, \"score\": 0.889}, {\"word\": \"我\", \"start\": 563.989, \"end\": 564.409, \"score\": 0.948}, {\"word\": \"們\"}, {\"word\": \"休\", \"start\": 564.409, \"end\": 564.509, \"score\": 0.801}, {\"word\": \"息\", \"start\": 564.509, \"end\": 564.529, \"score\": 0.0}, {\"word\": \"十\", \"start\": 564.529, \"end\": 564.589, \"score\": 0.666}, {\"word\": \"分\", \"start\": 564.589, \"end\": 564.609, \"score\": 0.0}, {\"word\": \"鐘\"}], \"language\": \"zh\"}","srt":"1\n00:00:02,486 --> 00:00:29,376\n委員長主委早主委面對未來這幾年的國際金融環境金管會長里的銀行業務跟保險業務有什麼方向及風險可不可以請主委簡單說明這個問題非常非常地廣泛我想第一個其實不同行業他所面對到的風險不太一樣不過未來的變動性變大這件事情是所有的金融機構都必須面對的我們以\n\n2\n00:00:30,496 --> 00:00:51,333\n比如說銀行為例那未來假設關稅或是這些國際貿易上面導致經濟下行的話那當然對他的貸款未來的這些的這個業務推動還有甚至未來的比如說這個還款的能力都會產生影響我想這部分是我們要看的\n\n3\n00:00:52,054 --> 00:01:06,122\n那另外一個就是假設保險業剛剛很多委員指教的非常的多假設今天是因為利率匯率跟股市這些波動呢都會讓他的一些經營上產生很大的這個壓力這些也都是他們要面對的問題大概是\n\n4\n00:01:09,725 --> 00:01:22,566\n未來變動很大關稅匯率這些都攸關很多當然受選工會對未來監理有兩項建議第一個就是要增加外匯價格變動準備金的裁員\n\n5\n00:01:23,820 --> 00:01:46,658\n那第二個是調整匯率計算方式那我強調就是說我們台灣受險業海外投資的金額高達23兆23.28兆那影響的層面可以說是非常大所以儘管會要做足準備啦讓你們能夠安心啦是這個我剛才講說金融監理的首要就是市場穩定跟消費信心\n\n6\n00:01:47,659 --> 00:01:54,433\n好再請教主委那配合台灣成為亞洲資產管理中心那研議修正將\n\n7\n00:01:56,069 --> 00:02:19,827\nOIU免徵營利事業所得稅、營業稅、印花稅及免予扣繳所得稅之實施時間延長到124年年底12月31日延長OIU租稅優惠到2035年我們先回顧OIU租稅優惠實施的成效評估從你們去年寫的報告\n\n8\n00:02:21,148 --> 00:02:34,275\n原預估國內保險公司36家設立OIU但是到112年底為止只有有20家業者包含了產險4家、售險15家、再保險1家獲准設立並開業那達成率只有55.56%所以要請教主委\n\n9\n00:02:41,920 --> 00:02:52,338\n這雖然是去年的報告但是也是你們金管會網站成效最新的一篇報告所以時隔一年那目前這個達成率多少\n\n10\n00:02:53,465 --> 00:03:00,431\n達成率有沒有增加?這個我印象中應該是差不多維持這個數據但是最近應該會有很明顯的改變原因是什麼?困難是什麼?主要的原因是過去這個市場萎縮很快\n\n11\n00:03:15,384 --> 00:03:28,514\n這個主要針對外國非本國籍的客戶做境外的客戶那當然就是這部分其實保險公司他有他自己的商業考量但是最近為什麼我剛才講說可能又會活絡為什麼要修這個法律\n\n12\n00:03:29,935 --> 00:03:55,254\n是因為我們在推動亞洲資產管理中心希望留財引資希望我們國人流落在海外的或是外國人的這些人能夠來跟我們來做進行金融服務的交易其中保險商品也是一個很重要的點他們看到這個機會了所以他們政策開放所以他們會再來加重這塊的業務所以很多保險公司表達這個意願具體的作為呢就是說去輔導這些還沒設立的業者\n\n13\n00:03:57,512 --> 00:04:19,288\n其實因為我們這36家雖然是很多但是呢真的有能力做的我覺得不見得是全部啦對所以沒有全部納入啦就是說也沒有說他都可以來申請但是他自己覺得說比如說比如說我本身就是個外資公司我就在全世界都做其實我也沒必要做這個還有就是說我自己呢在台灣我就做\n\n14\n00:04:20,525 --> 00:04:47,747\n這個本國客戶就好了我再請教就是說我們看到這個保費收入表現更落後受選OIU的保費收入僅達預期的4.65%這是怎麼回事就是剛才講說我們在過去的客戶還有就是他們覺得保險公司對這個商品對這個市場他們就是慢慢的覺得他們沒有這個需求所以他們就做得少這是他們商業自己判斷的問題\n\n15\n00:04:49,333 --> 00:05:00,404\n那殘險更是更淒慘了殘險的收入接近零對不對這個就他們自己判斷我們的市場規定在這邊那主要來講的話\n\n16\n00:05:03,154 --> 00:05:30,592\n那是不是有很多提到什麼原因啊說國際政治與法規的限制啊還有洗錢防治強化啊中國大陸限制資金流動等等那針對這些實務障礙儘管會有哪些具體的策略還有規劃所以說我們的策略之一就是我們這次透過這樣那個亞洲資產管理中心結合OIUOBUOSU一起我們希望打造一個叫OAMU就是境外資產管理\n\n17\n00:05:32,193 --> 00:05:52,864\n分公司或分行的概念所以我們因為這個到期了以後呢假設我們開始要推動這個所謂的國家經濟發展政策的時候就失去了這個稅賦的優惠的時候呢我覺得跟國際上的競爭就有很大的差異那我們既然這次呢推亞洲中心希望能夠跟香港新加坡跟其他的\n\n18\n00:05:53,604 --> 00:06:06,244\n城市競爭那我們當然就是希望維持這個這個租稅委員會以前就有只是今年到期了我們希望能夠那個請求大院能夠讓我們通過然後再延長十年\n\n19\n00:06:09,040 --> 00:06:29,535\n這個根據報告就是ORU國外債保險費收入達成率57.9%低於預期那主要原因有很多啦有天災損失這個損失率持續攀升國際債保市場價格去硬化還有地緣政治風險日益提高還有近期的利率變動推高的這個資本\n\n20\n00:06:31,136 --> 00:06:50,902\n資金成本那導致這些保險業者採取更保守的這個核保策略減少承接高風險業務所以這些因素就是國際局勢還有地緣正式的不確定性讓業者在投資決策上更加嚴謹那既然考量到OIU已有延長到2035年的這個租稅優惠\n\n21\n00:06:53,383 --> 00:07:02,035\n這個是租稅優惠是一個重要的誘因但是請問主委說除了這些租稅優惠之外那其他的這個監理配套還有政策配套是什麼\n\n22\n00:07:03,498 --> 00:07:26,246\n剛剛提到這些嘛剛剛委員講的真的是非常非常到位就是我們整個的保險市場在國際上它有一個所謂的核保週期就是有時候它會市場上會比較萎縮這個我們說進入到所謂的硬市場他們叫hardmarket通常有發生重大的事故變化以後損率會提高損率提高的市場就開始\n\n23\n00:07:27,627 --> 00:07:39,380\n比較難買到保險萎縮但是隨著時間經過他又進入到softmarket就跟經濟景氣是一樣的就剛好剛剛委員提到那段時間呢大概就屬於所謂的hardmarket的時代但是這個東西就本來就是一個國際上就會這樣有這樣週期啦\n\n24\n00:07:44,175 --> 00:07:52,439\n推動台灣成為亞洲資產管理中心是我們當然支持OIU的租稅優惠延長就是希望說能夠吸引國際保險業務進駐擴大我國保險業在國際市場的規模跟競爭力這我們都知道那擔心的就是說\n\n25\n00:08:05,965 --> 00:08:20,733\n租稅優惠如果只是減輕稅負層面那無法帶動有效的帶動實際的業務擴張還有投資成長那這樣子的話我們又沒有其他的這種配套措施那租稅優惠淪為單純的一個稅收減免\n\n26\n00:08:23,795 --> 00:08:45,215\n那如何確保這些優惠能夠轉化成國內保險業務的長期投資動能跟國際競爭力的實質提升這才是我們想要尋找的答案其實我們剛剛指示的非常對其實我們不是只有租稅租稅是一個最基礎的因為我們是做境外客戶本來就是沒有的那只是說他做了以後本來你沒有他就沒有\n\n27\n00:08:45,976 --> 00:09:01,435\n那最重要像比如說剛剛委員說還有什麼措施比如說我們最近就開放了我們保險業可以做一個國際上面可以做的保險商品在OIU做這就是一個我們會未來對接國際上面的這些OIU的產品這就是另外一個策略\n\n28\n00:09:02,316 --> 00:09:24,609\n就說我們會開放新的產品讓他們可以在OIO來做針對外國人或是這些外國的這些資產管理客戶有這個需求我們就看提供這樣的產品我想這個全新的這樣的做法會陸續的推出來對啦主委我們避免人為形式上的誘惑那剛才的話要具體的做法有效的提升謝謝主委謝謝委員好謝謝顏康安衡委員現在我們休息十分鐘\n\n","tsv":"start\tend\ttext\n2486\t29376\t委員長主委早主委面對未來這幾年的國際金融環境金管會長里的銀行業務跟保險業務有什麼方向及風險可不可以請主委簡單說明這個問題非常非常地廣泛我想第一個其實不同行業他所面對到的風險不太一樣不過未來的變動性變大這件事情是所有的金融機構都必須面對的我們以\n30496\t51333\t比如說銀行為例 那未來假設關稅或是這些國際貿易上面導致經濟下行的話那當然對他的貸款未來的這些的這個業務推動還有甚至未來的比如說這個還款的能力都會產生影響我想這部分是我們要看的\n52054\t66122\t那另外一個就是假設保險業剛剛很多委員指教的非常的多假設今天是因為利率匯率跟股市這些波動呢都會讓他的一些經營上產生很大的這個壓力這些也都是他們要面對的問題大概是\n69725\t82566\t未來變動很大 關稅 匯率這些都攸關很多當然受選工會對未來監理有兩項建議第一個就是要增加外匯價格變動準備金的裁員\n83820\t106658\t那第二個是調整匯率計算方式那我強調就是說我們台灣受險業海外投資的金額高達23兆23.28兆那影響的層面可以說是非常大所以儘管會要做足準備啦讓你們能夠安心啦是 這個我剛才講說金融監理的首要就是市場穩定跟消費信心\n107659\t114433\t好 再請教主委那配合台灣成為亞洲資產管理中心那研議修正將\n116069\t139827\tOIU免徵營利事業所得稅、營業稅、印花稅及免予扣繳所得稅之實施時間延長到124年年底12月31日延長OIU租稅優惠到2035年我們先回顧OIU租稅優惠實施的成效評估從你們去年寫的報告\n141148\t154275\t原預估國內保險公司36家設立OIU但是到112年底為止只有有20家業者包含了產險4家、售險15家、再保險1家獲准設立並開業那達成率只有55.56%所以要請教主委\n161920\t172338\t這雖然是去年的報告但是也是你們金管會網站成效最新的一篇報告所以時隔一年那目前這個達成率多少\n173465\t180431\t達成率有沒有增加?這個我印象中應該是差不多維持這個數據但是最近應該會有很明顯的改變原因是什麼?困難是什麼?主要的原因是過去這個市場萎縮很快\n195384\t208514\t這個主要針對外國非本國籍的客戶做境外的客戶那當然就是這部分其實保險公司他有他自己的商業考量但是最近為什麼我剛才講說可能又會活絡為什麼要修這個法律\n209935\t235254\t是因為我們在推動亞洲資產管理中心 希望留財引資希望我們國人流落在海外的或是外國人的這些人能夠來跟我們來做進行金融服務的交易其中保險商品也是一個很重要的點他們看到這個機會了 所以他們政策開放所以他們會再來加重這塊的業務所以很多保險公司表達這個意願具體的作為呢 就是說去輔導這些還沒設立的業者\n237512\t259288\t其實因為我們這36家雖然是很多但是呢真的有能力做的我覺得不見得是全部啦對所以沒有全部納入啦就是說也沒有說他都可以來申請但是他自己覺得說比如說比如說我本身就是個外資公司我就在全世界都做其實我也沒必要做這個還有就是說我自己呢在台灣我就做\n260525\t287747\t這個本國客戶就好了我再請教就是說我們看到這個保費收入表現更落後受選OIU的保費收入僅達預期的4.65%這是怎麼回事就是剛才講說我們在過去的客戶還有就是他們覺得保險公司對這個商品對這個市場他們就是慢慢的覺得他們沒有這個需求所以他們就做得少這是他們商業自己判斷的問題\n289333\t300404\t那殘險更是更淒慘了殘險的收入接近零對不對這個就他們自己判斷我們的市場規定在這邊那主要來講的話\n303154\t330592\t那是不是有很多提到什麼原因啊說國際政治與法規的限制啊還有洗錢防治強化啊中國大陸限制資金流動等等那針對這些實務障礙儘管會有哪些具體的策略還有規劃所以說我們的策略之一就是我們這次透過這樣那個亞洲資產管理中心結合OIU OBU OSU一起我們希望打造一個叫OAMU就是境外資產管理\n332193\t352864\t分公司或分行的概念所以我們因為這個到期了以後呢假設我們開始要推動這個所謂的國家經濟發展政策的時候就失去了這個稅賦的優惠的時候呢我覺得跟國際上的競爭就有很大的差異那我們既然這次呢推亞洲中心希望能夠跟香港新加坡跟其他的\n353604\t366244\t城市競爭那我們當然就是希望維持這個這個租稅委員會以前就有只是今年到期了我們希望能夠那個請求大院能夠讓我們通過然後再延長十年\n369040\t389535\t這個根據報告就是ORU國外債保險費收入達成率57.9%低於預期那主要原因有很多啦有天災損失這個損失率持續攀升國際債保市場價格去硬化還有地緣政治風險日益提高還有近期的利率變動推高的這個資本\n391136\t410902\t資金成本那導致這些保險業者採取更保守的這個核保策略減少承接高風險業務所以這些因素就是國際局勢還有地緣正式的不確定性讓業者在投資決策上更加嚴謹那既然考量到OIU已有延長到2035年的這個租稅優惠\n413383\t422035\t這個是租稅優惠是一個重要的誘因但是請問主委說除了這些租稅優惠之外那其他的這個監理配套還有政策配套是什麼\n423498\t446246\t剛剛提到這些嘛剛剛委員講的真的是非常非常到位就是我們整個的保險市場在國際上它有一個所謂的核保週期就是有時候它會市場上會比較萎縮這個我們說進入到所謂的硬市場他們叫hard market通常有發生重大的事故變化以後損率會提高損率提高的市場就開始\n447627\t459380\t比較難買到保險萎縮但是隨著時間經過他又進入到soft market就跟經濟景氣是一樣的就剛好剛剛委員提到那段時間呢大概就屬於所謂的hard market的時代但是這個東西就本來就是一個國際上就會這樣有這樣週期啦\n464175\t472439\t推動台灣成為亞洲資產管理中心 是我們當然支持OIU的租稅優惠延長就是希望說能夠吸引國際保險業務進駐擴大我國保險業在國際市場的規模跟競爭力 這我們都知道那擔心的就是說\n485965\t500733\t租稅優惠如果只是減輕稅負層面那無法帶動有效的帶動實際的業務擴張還有投資成長那這樣子的話我們又沒有其他的這種配套措施那租稅優惠淪為單純的一個稅收減免\n503795\t525215\t那如何確保這些優惠能夠轉化成國內保險業務的長期投資動能跟國際競爭力的實質提升這才是我們想要尋找的答案其實我們剛剛指示的非常對其實我們不是只有租稅租稅是一個最基礎的因為我們是做境外客戶本來就是沒有的那只是說他做了以後本來你沒有他就沒有\n525976\t541435\t那最重要像比如說剛剛委員說還有什麼措施比如說我們最近就開放了我們保險業可以做一個國際上面可以做的保險商品在OIU做這就是一個我們會未來對接國際上面的這些OIU的產品這就是另外一個策略\n542316\t564609\t就說我們會開放新的產品讓他們可以在OIO來做針對外國人或是這些外國的這些資產管理客戶有這個需求我們就看提供這樣的產品我想這個全新的這樣的做法會陸續的推出來對啦 主委我們避免人為形式上的誘惑那剛才的話要具體的做法有效的提升謝謝主委謝謝委員好 謝謝顏康安衡委員現在我們休息十分鐘\n","txt":"委員長主委早主委面對未來這幾年的國際金融環境金管會長里的銀行業務跟保險業務有什麼方向及風險可不可以請主委簡單說明這個問題非常非常地廣泛我想第一個其實不同行業他所面對到的風險不太一樣不過未來的變動性變大這件事情是所有的金融機構都必須面對的我們以\n比如說銀行為例 那未來假設關稅或是這些國際貿易上面導致經濟下行的話那當然對他的貸款未來的這些的這個業務推動還有甚至未來的比如說這個還款的能力都會產生影響我想這部分是我們要看的\n那另外一個就是假設保險業剛剛很多委員指教的非常的多假設今天是因為利率匯率跟股市這些波動呢都會讓他的一些經營上產生很大的這個壓力這些也都是他們要面對的問題大概是\n未來變動很大 關稅 匯率這些都攸關很多當然受選工會對未來監理有兩項建議第一個就是要增加外匯價格變動準備金的裁員\n那第二個是調整匯率計算方式那我強調就是說我們台灣受險業海外投資的金額高達23兆23.28兆那影響的層面可以說是非常大所以儘管會要做足準備啦讓你們能夠安心啦是 這個我剛才講說金融監理的首要就是市場穩定跟消費信心\n好 再請教主委那配合台灣成為亞洲資產管理中心那研議修正將\nOIU免徵營利事業所得稅、營業稅、印花稅及免予扣繳所得稅之實施時間延長到124年年底12月31日延長OIU租稅優惠到2035年我們先回顧OIU租稅優惠實施的成效評估從你們去年寫的報告\n原預估國內保險公司36家設立OIU但是到112年底為止只有有20家業者包含了產險4家、售險15家、再保險1家獲准設立並開業那達成率只有55.56%所以要請教主委\n這雖然是去年的報告但是也是你們金管會網站成效最新的一篇報告所以時隔一年那目前這個達成率多少\n達成率有沒有增加?這個我印象中應該是差不多維持這個數據但是最近應該會有很明顯的改變原因是什麼?困難是什麼?主要的原因是過去這個市場萎縮很快\n這個主要針對外國非本國籍的客戶做境外的客戶那當然就是這部分其實保險公司他有他自己的商業考量但是最近為什麼我剛才講說可能又會活絡為什麼要修這個法律\n是因為我們在推動亞洲資產管理中心 希望留財引資希望我們國人流落在海外的或是外國人的這些人能夠來跟我們來做進行金融服務的交易其中保險商品也是一個很重要的點他們看到這個機會了 所以他們政策開放所以他們會再來加重這塊的業務所以很多保險公司表達這個意願具體的作為呢 就是說去輔導這些還沒設立的業者\n其實因為我們這36家雖然是很多但是呢真的有能力做的我覺得不見得是全部啦對所以沒有全部納入啦就是說也沒有說他都可以來申請但是他自己覺得說比如說比如說我本身就是個外資公司我就在全世界都做其實我也沒必要做這個還有就是說我自己呢在台灣我就做\n這個本國客戶就好了我再請教就是說我們看到這個保費收入表現更落後受選OIU的保費收入僅達預期的4.65%這是怎麼回事就是剛才講說我們在過去的客戶還有就是他們覺得保險公司對這個商品對這個市場他們就是慢慢的覺得他們沒有這個需求所以他們就做得少這是他們商業自己判斷的問題\n那殘險更是更淒慘了殘險的收入接近零對不對這個就他們自己判斷我們的市場規定在這邊那主要來講的話\n那是不是有很多提到什麼原因啊說國際政治與法規的限制啊還有洗錢防治強化啊中國大陸限制資金流動等等那針對這些實務障礙儘管會有哪些具體的策略還有規劃所以說我們的策略之一就是我們這次透過這樣那個亞洲資產管理中心結合OIU OBU OSU一起我們希望打造一個叫OAMU就是境外資產管理\n分公司或分行的概念所以我們因為這個到期了以後呢假設我們開始要推動這個所謂的國家經濟發展政策的時候就失去了這個稅賦的優惠的時候呢我覺得跟國際上的競爭就有很大的差異那我們既然這次呢推亞洲中心希望能夠跟香港新加坡跟其他的\n城市競爭那我們當然就是希望維持這個這個租稅委員會以前就有只是今年到期了我們希望能夠那個請求大院能夠讓我們通過然後再延長十年\n這個根據報告就是ORU國外債保險費收入達成率57.9%低於預期那主要原因有很多啦有天災損失這個損失率持續攀升國際債保市場價格去硬化還有地緣政治風險日益提高還有近期的利率變動推高的這個資本\n資金成本那導致這些保險業者採取更保守的這個核保策略減少承接高風險業務所以這些因素就是國際局勢還有地緣正式的不確定性讓業者在投資決策上更加嚴謹那既然考量到OIU已有延長到2035年的這個租稅優惠\n這個是租稅優惠是一個重要的誘因但是請問主委說除了這些租稅優惠之外那其他的這個監理配套還有政策配套是什麼\n剛剛提到這些嘛剛剛委員講的真的是非常非常到位就是我們整個的保險市場在國際上它有一個所謂的核保週期就是有時候它會市場上會比較萎縮這個我們說進入到所謂的硬市場他們叫hard market通常有發生重大的事故變化以後損率會提高損率提高的市場就開始\n比較難買到保險萎縮但是隨著時間經過他又進入到soft market就跟經濟景氣是一樣的就剛好剛剛委員提到那段時間呢大概就屬於所謂的hard market的時代但是這個東西就本來就是一個國際上就會這樣有這樣週期啦\n推動台灣成為亞洲資產管理中心 是我們當然支持OIU的租稅優惠延長就是希望說能夠吸引國際保險業務進駐擴大我國保險業在國際市場的規模跟競爭力 這我們都知道那擔心的就是說\n租稅優惠如果只是減輕稅負層面那無法帶動有效的帶動實際的業務擴張還有投資成長那這樣子的話我們又沒有其他的這種配套措施那租稅優惠淪為單純的一個稅收減免\n那如何確保這些優惠能夠轉化成國內保險業務的長期投資動能跟國際競爭力的實質提升這才是我們想要尋找的答案其實我們剛剛指示的非常對其實我們不是只有租稅租稅是一個最基礎的因為我們是做境外客戶本來就是沒有的那只是說他做了以後本來你沒有他就沒有\n那最重要像比如說剛剛委員說還有什麼措施比如說我們最近就開放了我們保險業可以做一個國際上面可以做的保險商品在OIU做這就是一個我們會未來對接國際上面的這些OIU的產品這就是另外一個策略\n就說我們會開放新的產品讓他們可以在OIO來做針對外國人或是這些外國的這些資產管理客戶有這個需求我們就看提供這樣的產品我想這個全新的這樣的做法會陸續的推出來對啦 主委我們避免人為形式上的誘惑那剛才的話要具體的做法有效的提升謝謝主委謝謝委員好 謝謝顏康安衡委員現在我們休息十分鐘\n","vtt":"WEBVTT\n\n00:02.486 --> 00:29.376\n委員長主委早主委面對未來這幾年的國際金融環境金管會長里的銀行業務跟保險業務有什麼方向及風險可不可以請主委簡單說明這個問題非常非常地廣泛我想第一個其實不同行業他所面對到的風險不太一樣不過未來的變動性變大這件事情是所有的金融機構都必須面對的我們以\n\n00:30.496 --> 00:51.333\n比如說銀行為例那未來假設關稅或是這些國際貿易上面導致經濟下行的話那當然對他的貸款未來的這些的這個業務推動還有甚至未來的比如說這個還款的能力都會產生影響我想這部分是我們要看的\n\n00:52.054 --> 01:06.122\n那另外一個就是假設保險業剛剛很多委員指教的非常的多假設今天是因為利率匯率跟股市這些波動呢都會讓他的一些經營上產生很大的這個壓力這些也都是他們要面對的問題大概是\n\n01:09.725 --> 01:22.566\n未來變動很大關稅匯率這些都攸關很多當然受選工會對未來監理有兩項建議第一個就是要增加外匯價格變動準備金的裁員\n\n01:23.820 --> 01:46.658\n那第二個是調整匯率計算方式那我強調就是說我們台灣受險業海外投資的金額高達23兆23.28兆那影響的層面可以說是非常大所以儘管會要做足準備啦讓你們能夠安心啦是這個我剛才講說金融監理的首要就是市場穩定跟消費信心\n\n01:47.659 --> 01:54.433\n好再請教主委那配合台灣成為亞洲資產管理中心那研議修正將\n\n01:56.069 --> 02:19.827\nOIU免徵營利事業所得稅、營業稅、印花稅及免予扣繳所得稅之實施時間延長到124年年底12月31日延長OIU租稅優惠到2035年我們先回顧OIU租稅優惠實施的成效評估從你們去年寫的報告\n\n02:21.148 --> 02:34.275\n原預估國內保險公司36家設立OIU但是到112年底為止只有有20家業者包含了產險4家、售險15家、再保險1家獲准設立並開業那達成率只有55.56%所以要請教主委\n\n02:41.920 --> 02:52.338\n這雖然是去年的報告但是也是你們金管會網站成效最新的一篇報告所以時隔一年那目前這個達成率多少\n\n02:53.465 --> 03:00.431\n達成率有沒有增加?這個我印象中應該是差不多維持這個數據但是最近應該會有很明顯的改變原因是什麼?困難是什麼?主要的原因是過去這個市場萎縮很快\n\n03:15.384 --> 03:28.514\n這個主要針對外國非本國籍的客戶做境外的客戶那當然就是這部分其實保險公司他有他自己的商業考量但是最近為什麼我剛才講說可能又會活絡為什麼要修這個法律\n\n03:29.935 --> 03:55.254\n是因為我們在推動亞洲資產管理中心希望留財引資希望我們國人流落在海外的或是外國人的這些人能夠來跟我們來做進行金融服務的交易其中保險商品也是一個很重要的點他們看到這個機會了所以他們政策開放所以他們會再來加重這塊的業務所以很多保險公司表達這個意願具體的作為呢就是說去輔導這些還沒設立的業者\n\n03:57.512 --> 04:19.288\n其實因為我們這36家雖然是很多但是呢真的有能力做的我覺得不見得是全部啦對所以沒有全部納入啦就是說也沒有說他都可以來申請但是他自己覺得說比如說比如說我本身就是個外資公司我就在全世界都做其實我也沒必要做這個還有就是說我自己呢在台灣我就做\n\n04:20.525 --> 04:47.747\n這個本國客戶就好了我再請教就是說我們看到這個保費收入表現更落後受選OIU的保費收入僅達預期的4.65%這是怎麼回事就是剛才講說我們在過去的客戶還有就是他們覺得保險公司對這個商品對這個市場他們就是慢慢的覺得他們沒有這個需求所以他們就做得少這是他們商業自己判斷的問題\n\n04:49.333 --> 05:00.404\n那殘險更是更淒慘了殘險的收入接近零對不對這個就他們自己判斷我們的市場規定在這邊那主要來講的話\n\n05:03.154 --> 05:30.592\n那是不是有很多提到什麼原因啊說國際政治與法規的限制啊還有洗錢防治強化啊中國大陸限制資金流動等等那針對這些實務障礙儘管會有哪些具體的策略還有規劃所以說我們的策略之一就是我們這次透過這樣那個亞洲資產管理中心結合OIUOBUOSU一起我們希望打造一個叫OAMU就是境外資產管理\n\n05:32.193 --> 05:52.864\n分公司或分行的概念所以我們因為這個到期了以後呢假設我們開始要推動這個所謂的國家經濟發展政策的時候就失去了這個稅賦的優惠的時候呢我覺得跟國際上的競爭就有很大的差異那我們既然這次呢推亞洲中心希望能夠跟香港新加坡跟其他的\n\n05:53.604 --> 06:06.244\n城市競爭那我們當然就是希望維持這個這個租稅委員會以前就有只是今年到期了我們希望能夠那個請求大院能夠讓我們通過然後再延長十年\n\n06:09.040 --> 06:29.535\n這個根據報告就是ORU國外債保險費收入達成率57.9%低於預期那主要原因有很多啦有天災損失這個損失率持續攀升國際債保市場價格去硬化還有地緣政治風險日益提高還有近期的利率變動推高的這個資本\n\n06:31.136 --> 06:50.902\n資金成本那導致這些保險業者採取更保守的這個核保策略減少承接高風險業務所以這些因素就是國際局勢還有地緣正式的不確定性讓業者在投資決策上更加嚴謹那既然考量到OIU已有延長到2035年的這個租稅優惠\n\n06:53.383 --> 07:02.035\n這個是租稅優惠是一個重要的誘因但是請問主委說除了這些租稅優惠之外那其他的這個監理配套還有政策配套是什麼\n\n07:03.498 --> 07:26.246\n剛剛提到這些嘛剛剛委員講的真的是非常非常到位就是我們整個的保險市場在國際上它有一個所謂的核保週期就是有時候它會市場上會比較萎縮這個我們說進入到所謂的硬市場他們叫hardmarket通常有發生重大的事故變化以後損率會提高損率提高的市場就開始\n\n07:27.627 --> 07:39.380\n比較難買到保險萎縮但是隨著時間經過他又進入到softmarket就跟經濟景氣是一樣的就剛好剛剛委員提到那段時間呢大概就屬於所謂的hardmarket的時代但是這個東西就本來就是一個國際上就會這樣有這樣週期啦\n\n07:44.175 --> 07:52.439\n推動台灣成為亞洲資產管理中心是我們當然支持OIU的租稅優惠延長就是希望說能夠吸引國際保險業務進駐擴大我國保險業在國際市場的規模跟競爭力這我們都知道那擔心的就是說\n\n08:05.965 --> 08:20.733\n租稅優惠如果只是減輕稅負層面那無法帶動有效的帶動實際的業務擴張還有投資成長那這樣子的話我們又沒有其他的這種配套措施那租稅優惠淪為單純的一個稅收減免\n\n08:23.795 --> 08:45.215\n那如何確保這些優惠能夠轉化成國內保險業務的長期投資動能跟國際競爭力的實質提升這才是我們想要尋找的答案其實我們剛剛指示的非常對其實我們不是只有租稅租稅是一個最基礎的因為我們是做境外客戶本來就是沒有的那只是說他做了以後本來你沒有他就沒有\n\n08:45.976 --> 09:01.435\n那最重要像比如說剛剛委員說還有什麼措施比如說我們最近就開放了我們保險業可以做一個國際上面可以做的保險商品在OIU做這就是一個我們會未來對接國際上面的這些OIU的產品這就是另外一個策略\n\n09:02.316 --> 09:24.609\n就說我們會開放新的產品讓他們可以在OIO來做針對外國人或是這些外國的這些資產管理客戶有這個需求我們就看提供這樣的產品我想這個全新的這樣的做法會陸續的推出來對啦主委我們避免人為形式上的誘惑那剛才的話要具體的做法有效的提升謝謝主委謝謝委員好謝謝顏康安衡委員現在我們休息十分鐘\n\n","segments":[{"start":2.486,"end":29.376,"text":"委員長主委早主委面對未來這幾年的國際金融環境金管會長里的銀行業務跟保險業務有什麼方向及風險可不可以請主委簡單說明這個問題非常非常地廣泛我想第一個其實不同行業他所面對到的風險不太一樣不過未來的變動性變大這件事情是所有的金融機構都必須面對的我們以"},{"start":30.496,"end":51.333,"text":"比如說銀行為例 那未來假設關稅或是這些國際貿易上面導致經濟下行的話那當然對他的貸款未來的這些的這個業務推動還有甚至未來的比如說這個還款的能力都會產生影響我想這部分是我們要看的"},{"start":52.054,"end":66.122,"text":"那另外一個就是假設保險業剛剛很多委員指教的非常的多假設今天是因為利率匯率跟股市這些波動呢都會讓他的一些經營上產生很大的這個壓力這些也都是他們要面對的問題大概是"},{"start":69.725,"end":82.566,"text":"未來變動很大 關稅 匯率這些都攸關很多當然受選工會對未來監理有兩項建議第一個就是要增加外匯價格變動準備金的裁員"},{"start":83.82,"end":106.658,"text":"那第二個是調整匯率計算方式那我強調就是說我們台灣受險業海外投資的金額高達23兆23.28兆那影響的層面可以說是非常大所以儘管會要做足準備啦讓你們能夠安心啦是 這個我剛才講說金融監理的首要就是市場穩定跟消費信心"},{"start":107.659,"end":114.433,"text":"好 再請教主委那配合台灣成為亞洲資產管理中心那研議修正將"},{"start":116.069,"end":139.827,"text":"OIU免徵營利事業所得稅、營業稅、印花稅及免予扣繳所得稅之實施時間延長到124年年底12月31日延長OIU租稅優惠到2035年我們先回顧OIU租稅優惠實施的成效評估從你們去年寫的報告"},{"start":141.148,"end":154.275,"text":"原預估國內保險公司36家設立OIU但是到112年底為止只有有20家業者包含了產險4家、售險15家、再保險1家獲准設立並開業那達成率只有55.56%所以要請教主委"},{"start":161.92,"end":172.338,"text":"這雖然是去年的報告但是也是你們金管會網站成效最新的一篇報告所以時隔一年那目前這個達成率多少"},{"start":173.465,"end":180.431,"text":"達成率有沒有增加?這個我印象中應該是差不多維持這個數據但是最近應該會有很明顯的改變原因是什麼?困難是什麼?主要的原因是過去這個市場萎縮很快"},{"start":195.384,"end":208.514,"text":"這個主要針對外國非本國籍的客戶做境外的客戶那當然就是這部分其實保險公司他有他自己的商業考量但是最近為什麼我剛才講說可能又會活絡為什麼要修這個法律"},{"start":209.935,"end":235.254,"text":"是因為我們在推動亞洲資產管理中心 希望留財引資希望我們國人流落在海外的或是外國人的這些人能夠來跟我們來做進行金融服務的交易其中保險商品也是一個很重要的點他們看到這個機會了 所以他們政策開放所以他們會再來加重這塊的業務所以很多保險公司表達這個意願具體的作為呢 就是說去輔導這些還沒設立的業者"},{"start":237.512,"end":259.288,"text":"其實因為我們這36家雖然是很多但是呢真的有能力做的我覺得不見得是全部啦對所以沒有全部納入啦就是說也沒有說他都可以來申請但是他自己覺得說比如說比如說我本身就是個外資公司我就在全世界都做其實我也沒必要做這個還有就是說我自己呢在台灣我就做"},{"start":260.525,"end":287.747,"text":"這個本國客戶就好了我再請教就是說我們看到這個保費收入表現更落後受選OIU的保費收入僅達預期的4.65%這是怎麼回事就是剛才講說我們在過去的客戶還有就是他們覺得保險公司對這個商品對這個市場他們就是慢慢的覺得他們沒有這個需求所以他們就做得少這是他們商業自己判斷的問題"},{"start":289.333,"end":300.404,"text":"那殘險更是更淒慘了殘險的收入接近零對不對這個就他們自己判斷我們的市場規定在這邊那主要來講的話"},{"start":303.154,"end":330.592,"text":"那是不是有很多提到什麼原因啊說國際政治與法規的限制啊還有洗錢防治強化啊中國大陸限制資金流動等等那針對這些實務障礙儘管會有哪些具體的策略還有規劃所以說我們的策略之一就是我們這次透過這樣那個亞洲資產管理中心結合OIU OBU OSU一起我們希望打造一個叫OAMU就是境外資產管理"},{"start":332.193,"end":352.864,"text":"分公司或分行的概念所以我們因為這個到期了以後呢假設我們開始要推動這個所謂的國家經濟發展政策的時候就失去了這個稅賦的優惠的時候呢我覺得跟國際上的競爭就有很大的差異那我們既然這次呢推亞洲中心希望能夠跟香港新加坡跟其他的"},{"start":353.604,"end":366.244,"text":"城市競爭那我們當然就是希望維持這個這個租稅委員會以前就有只是今年到期了我們希望能夠那個請求大院能夠讓我們通過然後再延長十年"},{"start":369.04,"end":389.535,"text":"這個根據報告就是ORU國外債保險費收入達成率57.9%低於預期那主要原因有很多啦有天災損失這個損失率持續攀升國際債保市場價格去硬化還有地緣政治風險日益提高還有近期的利率變動推高的這個資本"},{"start":391.136,"end":410.902,"text":"資金成本那導致這些保險業者採取更保守的這個核保策略減少承接高風險業務所以這些因素就是國際局勢還有地緣正式的不確定性讓業者在投資決策上更加嚴謹那既然考量到OIU已有延長到2035年的這個租稅優惠"},{"start":413.383,"end":422.035,"text":"這個是租稅優惠是一個重要的誘因但是請問主委說除了這些租稅優惠之外那其他的這個監理配套還有政策配套是什麼"},{"start":423.498,"end":446.246,"text":"剛剛提到這些嘛剛剛委員講的真的是非常非常到位就是我們整個的保險市場在國際上它有一個所謂的核保週期就是有時候它會市場上會比較萎縮這個我們說進入到所謂的硬市場他們叫hard market通常有發生重大的事故變化以後損率會提高損率提高的市場就開始"},{"start":447.627,"end":459.38,"text":"比較難買到保險萎縮但是隨著時間經過他又進入到soft market就跟經濟景氣是一樣的就剛好剛剛委員提到那段時間呢大概就屬於所謂的hard market的時代但是這個東西就本來就是一個國際上就會這樣有這樣週期啦"},{"start":464.175,"end":472.439,"text":"推動台灣成為亞洲資產管理中心 是我們當然支持OIU的租稅優惠延長就是希望說能夠吸引國際保險業務進駐擴大我國保險業在國際市場的規模跟競爭力 這我們都知道那擔心的就是說"},{"start":485.965,"end":500.733,"text":"租稅優惠如果只是減輕稅負層面那無法帶動有效的帶動實際的業務擴張還有投資成長那這樣子的話我們又沒有其他的這種配套措施那租稅優惠淪為單純的一個稅收減免"},{"start":503.795,"end":525.215,"text":"那如何確保這些優惠能夠轉化成國內保險業務的長期投資動能跟國際競爭力的實質提升這才是我們想要尋找的答案其實我們剛剛指示的非常對其實我們不是只有租稅租稅是一個最基礎的因為我們是做境外客戶本來就是沒有的那只是說他做了以後本來你沒有他就沒有"},{"start":525.976,"end":541.435,"text":"那最重要像比如說剛剛委員說還有什麼措施比如說我們最近就開放了我們保險業可以做一個國際上面可以做的保險商品在OIU做這就是一個我們會未來對接國際上面的這些OIU的產品這就是另外一個策略"},{"start":542.316,"end":564.609,"text":"就說我們會開放新的產品讓他們可以在OIO來做針對外國人或是這些外國的這些資產管理客戶有這個需求我們就看提供這樣的產品我想這個全新的這樣的做法會陸續的推出來對啦 主委我們避免人為形式上的誘惑那剛才的話要具體的做法有效的提升謝謝主委謝謝委員好 謝謝顏康安衡委員現在我們休息十分鐘"}]}}},"gazette":{"lineno":603,"blocks":[["顏委員寬恒：（10時48分）謝謝主席，主席有請金管會彭主委。"],["主席：請彭主委。"],["彭主任委員金隆：委員早。"],["顏委員寬恒：主委早。面對未來這幾年的國際金融環境，金管會掌理的銀行業務跟保險業務有什麼方向及風險，可不可以請主委簡單說明？"],["彭主任委員金隆：這個問題非常非常廣泛，我想第一個，其實不同行業所面對的風險不太一樣，不過未來的變動性變大這件事情是所有金融機構都必須面對的。比如以銀行為例，未來假設關稅或是這些國際貿易導致經濟下行的話，當然對它的貸款、未來業務推動，甚至未來比如還款的能力都會產生影響，我想這部分是我們要看的。","另外一個就是，假設以保險業來說，剛剛很多委員指教得非常多，假設今天是因為利率、匯率跟股市，這些波動都會讓它經營上產生很大的壓力，這些也都是他們要面對的問題。"],["顏委員寬恒：對，未來變動很大，關稅、匯率這些都攸關至大。壽險公會對於未來的監理有兩項建議，第一個是要增加外匯價格變動準備金的財源；第二個是調整匯率計算方式。我強調就是，臺灣壽險業海外投資金額高達23.28兆，影響層面可以說是非常大，所以金管會要做足準備，讓民眾能夠安心。"],["彭主任委員金隆：當然，是，我剛才講金融監理首要的就是市場穩定跟消費信心。"],["顏委員寬恒：好，再請教主委，配合臺灣成為亞洲資產管理中心，研議修正將OIU免徵營利事業所得稅、營業稅、印花稅及免予扣繳所得稅之實施時間延長到124年12月31號，而延長OIU租稅優惠到2035年。","我們先回顧OIU租稅優惠實施的成效評估，從你們去年寫的報告，原預估國內保險公司36家設立OIU，但是到112年底為止有20家業者（包含產險4家、壽險15家、再保險1家）獲准設立並開業，達成率只有55.56%。所以要請教主委，這雖然是去年的報告，但也是金管會網站中成效最新的一篇報告，時隔一年，目前這個達成率多少？有沒有增加？"],["彭主任委員金隆：我印象中應該是差不多維持這個數據。"],["顏委員寬恒：就沒有增加的意思？"],["彭主任委員金隆：但是最近應該會有明顯的改變。"],["顏委員寬恒：原因是什麼？"],["彭主任委員金隆：因為我們現在……"],["顏委員寬恒：困難是什麼？"],["彭主任委員金隆：原因主要是過去這個市場萎縮很快，等於說主要針對外國、非本國籍客戶、做境外的客戶，當然就這部分其實保險公司有它自己的商業考量。但是最近，為什麼我剛才講可能又會活絡、為什麼要修這個法律？是因為我們在推動亞洲資產管理中心希望留才引資，希望我們國人流落在海外的……或是這些外國人能夠跟我們進行金融服務交易，其中保險商品也是一個很重要的點。他們看到這個機會了，所以他們政策開放，他們會再加重這塊的業務，因此現在很多保險公司表達這個意願。"],["顏委員寬恒：有沒有具體作為？就是去輔導這些還沒設立的業者。"],["彭主任委員金隆：沒有，因為我們這36家雖然是很多，但真的有能力做的我覺得不見得是全部。"],["顏委員寬恒：所以沒有全部納入，也沒有要再去輔導他們？"],["彭主任委員金隆：他都可以來申請。但他自己覺得，比如我本身就是一個外資公司，我在全世界都做，其實我也沒必要做這個；還有就是我自己在臺灣做本國客戶就好了，我也不想做這個。"],["顏委員寬恒：好，那我再請教，我們看到保費收入的表現更落後，壽險OIU保費收入僅達預期的4.65%，這是怎麼回事？"],["彭主任委員金隆：就是剛才講我們過去的客戶，還有就是保險公司對這個商品、對這個市場，他們慢慢地覺得沒有需求，所以就做得少，這是他們商業上自己判斷的問題。"],["顏委員寬恒：那產險更是淒慘，產險的收入接近零，對不對？"],["彭主任委員金隆：不是，這個就是他們自己判斷，我們的市場規定在這邊，主要來講的話……"],["顏委員寬恒：那是不是有很多提到什麼原因，說是國際政治與法規的限制，還有洗錢防制強化、中國大陸限制資金流動等等，針對這些實務上的障礙，金管會有哪些具體策略還有規劃？"],["彭主任委員金隆：我們的策略之一就是這次透過亞洲資產管理中心結合OIU、OBU、OSU，我們希望打造一個叫OAMU，就是境外資產管理分公司或分行的概念。因為這個到期了以後，假設我們開始要推動所謂的國家經濟發展政策，就失去了稅賦優惠的時候，我覺得跟國際上的競爭就有很大差異。我們既然這次推亞資中心，希望能夠跟香港、新加坡、跟其他的城市競爭，我們當然就希望維持這個，這個租稅優惠以前就有，只是今年到期了，我們希望、請求大院能夠讓我們通過，再延長10年。"],["顏委員寬恒：那我再問，根據報告，OIU國外再保險費收入達成率57.9%，低於預期。主要原因有很多，包括天災損失，損失率持續攀升，國際再保市場價格趨於硬化；地緣政治風險日益提高，還有近期利率變動推高的資金成本，導致這些保險業者採取更保守的核保策略，減少承接高風險業務。有這些因素，就是國際局勢還有地緣政治的不確定性，讓業者在投資決策上更加嚴謹。既然考量到OIU已有延長至2035年的租稅優惠，這個租稅優惠是一個重要的誘因，但請問主委，除了這些租稅優惠之外，其他的監理配套還有政策配套是什麼？你剛剛有提到這些。"],["彭主任委員金隆：對！剛剛委員講得真的是非常非常到位，我們整個保險市場在國際上有一個所謂的核保週期，有時候市場上會比較萎縮，進入到所謂的硬市場，他們稱為Hard Market。通常發生重大的事故、變化以後，損益會提高，損益提高了，市場就開始比較難買到保險、萎縮，但是隨著時間經過，又進入到Soft Market，就跟經濟景氣一樣。剛剛委員提到那段時間，大概就是屬於所謂的Hard Market時代，但這個東西本來國際上就會有這樣的週期。"],["顏委員寬恒：對，推動臺灣成為亞洲資產管理中心，這個我們當然支持。"],["彭主任委員金隆：是，謝謝。"],["顏委員寬恒：這個我們當然支持。而OIU的租稅優惠延長，就是希望能夠吸引國際保險業務進駐，擴大我國保險業在國際市場的規模跟競爭力，這些我們都知道。但擔心的是，租稅優惠如果只減輕稅負層面，無法有效帶動實際的業務擴張還有投資成長，這樣子的話，我們又沒有其他配套措施，租稅優惠淪為單純的稅收減免，如何確保這些優惠能夠轉化成國內保險業務的長期投資動能跟國際競爭力的實質提升，這才是我們想要尋找的答案。"],["彭主任委員金隆：是，委員剛剛指示的非常對，其實我們不是只有租稅，租稅是最基礎的。因為我們是做境外客戶，本來就是沒有的，只是他做了以後，本來你沒有，他就沒有，最重要的，剛剛委員說還有什麼措施，比如我們最近又開放了保險業在國際上面可以做的保險商品、在OIU做，我們未來對接國際上面的這些OIU產品，這是另外一個策略。就是我們會開放新的產品，讓他們可以在OIU做，針對外國人或是外國的這些資產管理客戶有這個需求，我們就看看提供這樣的一個產品，我想全新的作法會陸續推出。"],["顏委員寬恒：對，我們避免淪為形式上的優惠。"],["彭主任委員金隆：那當然。"],["顏委員寬恒：要有具體作法、有效提升，好不好？"],["彭主任委員金隆：是，謝謝。"],["顏委員寬恒：謝謝主委。"],["彭主任委員金隆：謝謝委員。"],["主席：謝謝顏寬恒委員。","現在我們休息10分鐘。","休息（10時57分）","繼續開會（11時9分）"],["主席（羅委員明才代）：下一位請賴惠員賴召委發言。"]],"agenda":{"page_end":328,"meet_id":"委員會-11-3-20-14","speakers":["賴惠員","沈發惠","林楚茵","林德福","吳秉叡","賴士葆","郭國文","鍾佳濱","林思銘","顏寬恒","羅明才","李坤城","陳玉珍","李彥秀","王世堅","黃珊珊","林楚茵","廖先翔","邱志偉"],"page_start":263,"meetingDate":["2025-05-28"],"gazette_id":"1145401","agenda_lcidc_ids":["1145401_00007"],"meet_name":"立法院第11屆第3會期財政委員會第14次全體委員會議紀錄","content":"一、審查「國際金融業務條例」8案：(一)本院委員沈發惠等18人、委員鍾佳濱等17人分別擬具\n「國際金融業務條例第十三條、第二十二條之七及第二十二條之十六條文修正草案」等 2 案、\n(二)行政院函請審議、本院委員李坤城等20人、委員陳菁徽等16人、委員郭國文等19人、委員羅\n廷瑋等17人、委員陳玉珍等16人分別擬具「國際金融業務條例第二十二條之十六條文修正草案」\n等6案；二、審查「證券投資人及期貨交易人保護法」9案：(一)行政院函請審議、本院委員鍾佳\n濱等20人、委員李坤城等19人、委員沈發惠等18人分別擬具「證券投資人及期貨交易人保護法部\n分條文修正草案」等 4 案、 ( 二 ) 本院委員林楚茵等 17 人、委員王鴻薇等 19 人、委員郭國文等 18\n人、委員賴士葆等32人分別擬具「證券投資人及期貨交易人保護法第十條之一條文修正草案」等\n4案、(三)本院委員林思銘等18人擬具「證券投資人及期貨交易人保護法第十條之一及第二十條\n條文修正草案」案","agenda_id":"1145401_00006"}}}