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\"我們事後再給委員資訊因為這個我要掌握一下不好意思那我就要請問主委因為新規一上路會不會反向的促使更多投信推出更多相同的追蹤標的物同質性的ETF\", \"words\": [{\"word\": \"我\", \"start\": 97.915, \"end\": 98.155, \"score\": 0.909}, {\"word\": \"們\"}, {\"word\": \"事\", \"start\": 98.155, \"end\": 98.315, \"score\": 0.859}, {\"word\": \"後\", \"start\": 98.315, \"end\": 98.515, \"score\": 0.889}, {\"word\": \"再\", \"start\": 98.515, \"end\": 99.076, \"score\": 0.931}, {\"word\": \"給\"}, {\"word\": \"委\", \"start\": 99.076, \"end\": 99.636, \"score\": 0.828}, {\"word\": \"員\"}, {\"word\": \"資\"}, {\"word\": \"訊\"}, {\"word\": \"因\", \"start\": 99.636, \"end\": 100.057, \"score\": 0.83}, {\"word\": \"為\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"我\", \"start\": 100.057, \"end\": 100.497, \"score\": 0.882}, {\"word\": \"要\", \"start\": 100.497, \"end\": 100.757, \"score\": 0.822}, {\"word\": \"掌\", \"start\": 100.757, \"end\": 100.917, \"score\": 0.866}, {\"word\": \"握\", \"start\": 100.917, \"end\": 101.077, \"score\": 0.874}, {\"word\": \"一\", 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\"start\": 114.108, \"end\": 114.248, \"score\": 0.89}, {\"word\": \"的\", \"start\": 114.248, \"end\": 114.408, \"score\": 0.832}, {\"word\": \"E\", \"start\": 114.408, \"end\": 114.548, \"score\": 0.747}, {\"word\": \"T\", \"start\": 114.548, \"end\": 114.568, \"score\": 0.0}, {\"word\": \"F\", \"start\": 114.568, \"end\": 114.588, \"score\": 0.0}]}, {\"start\": 115.589, \"end\": 136.087, \"text\": \"因為它都是追的我們的台灣的50的指數嘛它都是追蹤相關的標的指數那其實這個部分譬如說像006208還有0050其實都是追蹤類似的台灣50的指數所以我們這樣的限制有沒有意義\", \"words\": [{\"word\": \"因\", \"start\": 115.589, \"end\": 117.371, \"score\": 0.886}, {\"word\": \"為\"}, {\"word\": \"它\", \"start\": 117.371, \"end\": 117.511, \"score\": 0.835}, {\"word\": \"都\", \"start\": 117.511, \"end\": 117.671, \"score\": 0.974}, {\"word\": \"是\", \"start\": 117.671, \"end\": 117.851, \"score\": 0.997}, {\"word\": \"追\", \"start\": 117.851, \"end\": 118.031, \"score\": 0.98}, {\"word\": \"的\", \"start\": 118.031, \"end\": 118.191, \"score\": 0.954}, {\"word\": \"我\", 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{\"word\": \"關\"}, {\"word\": \"的\", \"start\": 122.615, \"end\": 122.956, \"score\": 0.93}, {\"word\": \"標\"}, {\"word\": \"的\", \"start\": 122.956, \"end\": 123.136, \"score\": 0.828}, {\"word\": \"指\", \"start\": 123.136, \"end\": 123.916, \"score\": 0.929}, {\"word\": \"數\"}, {\"word\": \"那\", \"start\": 123.916, \"end\": 124.377, \"score\": 0.994}, {\"word\": \"其\", \"start\": 124.377, \"end\": 125.838, \"score\": 0.945}, {\"word\": \"實\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"部\", \"start\": 125.838, \"end\": 125.998, \"score\": 0.999}, {\"word\": \"分\", \"start\": 125.998, \"end\": 126.319, \"score\": 0.974}, {\"word\": \"譬\", \"start\": 126.319, \"end\": 126.439, \"score\": 0.832}, {\"word\": \"如\", \"start\": 126.439, \"end\": 127.119, \"score\": 0.936}, {\"word\": \"說\"}, {\"word\": \"像\", \"start\": 127.119, \"end\": 129.401, \"score\": 0.883}, {\"word\": \"0\"}, {\"word\": \"0\"}, {\"word\": \"6\"}, {\"word\": \"2\"}, {\"word\": \"0\"}, {\"word\": \"8\"}, {\"word\": \"還\"}, {\"word\": \"有\", \"start\": 129.401, \"end\": 130.602, \"score\": 0.917}, {\"word\": \"0\"}, {\"word\": \"0\"}, {\"word\": \"5\"}, {\"word\": \"0\"}, {\"word\": \"其\", \"start\": 130.602, \"end\": 130.883, \"score\": 0.899}, {\"word\": \"實\"}, {\"word\": \"都\", \"start\": 130.883, \"end\": 131.043, \"score\": 0.989}, {\"word\": \"是\", \"start\": 131.043, \"end\": 131.203, \"score\": 0.996}, {\"word\": \"追\", \"start\": 131.203, \"end\": 131.883, \"score\": 0.939}, {\"word\": \"蹤\"}, {\"word\": \"類\"}, {\"word\": \"似\", \"start\": 131.883, \"end\": 132.104, \"score\": 0.992}, {\"word\": \"的\", \"start\": 132.104, \"end\": 132.264, \"score\": 0.99}, {\"word\": \"台\", \"start\": 132.264, \"end\": 132.864, \"score\": 0.881}, {\"word\": \"灣\"}, {\"word\": \"5\"}, {\"word\": \"0\"}, {\"word\": \"的\", \"start\": 132.864, \"end\": 133.025, \"score\": 0.983}, {\"word\": \"指\", \"start\": 133.025, \"end\": 133.225, \"score\": 0.956}, {\"word\": \"數\"}, {\"word\": \"所\", 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\"這\"}, {\"word\": \"樣\"}, {\"word\": \"講\"}, {\"word\": \"就\", \"start\": 138.049, \"end\": 138.21, \"score\": 0.99}, {\"word\": \"是\", \"start\": 138.21, \"end\": 138.61, \"score\": 0.951}, {\"word\": \"說\"}, {\"word\": \"我\", \"start\": 138.61, \"end\": 139.031, \"score\": 0.904}, {\"word\": \"們\"}, {\"word\": \"過\"}, {\"word\": \"去\", \"start\": 139.031, \"end\": 139.371, \"score\": 0.983}, {\"word\": \"在\", \"start\": 139.371, \"end\": 139.531, \"score\": 0.999}, {\"word\": \"保\", \"start\": 139.531, \"end\": 139.812, \"score\": 0.926}, {\"word\": \"險\"}, {\"word\": \"法\", \"start\": 139.812, \"end\": 140.473, \"score\": 0.878}, {\"word\": \"1\"}, {\"word\": \"4\"}, {\"word\": \"6\"}, {\"word\": \"之\", \"start\": 140.473, \"end\": 140.793, \"score\": 0.939}, {\"word\": \"一\", \"start\": 140.793, \"end\": 140.953, \"score\": 0.988}, {\"word\": \"系\", \"start\": 140.953, \"end\": 141.154, \"score\": 0.985}, {\"word\": \"列\", \"start\": 141.154, \"end\": 141.254, \"score\": 0.987}, 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{\"word\": \"它\", \"start\": 149.886, \"end\": 150.106, \"score\": 0.912}, {\"word\": \"特\", \"start\": 150.106, \"end\": 150.286, \"score\": 1.0}, {\"word\": \"殊\", \"start\": 150.286, \"end\": 150.426, \"score\": 0.997}, {\"word\": \"的\", \"start\": 150.426, \"end\": 150.547, \"score\": 0.99}, {\"word\": \"原\", \"start\": 150.547, \"end\": 150.727, \"score\": 0.99}, {\"word\": \"因\", \"start\": 150.727, \"end\": 150.987, \"score\": 0.999}, {\"word\": \"所\", \"start\": 150.987, \"end\": 151.127, \"score\": 0.841}, {\"word\": \"以\", \"start\": 151.127, \"end\": 151.207, \"score\": 0.73}, {\"word\": \"很\", \"start\": 151.207, \"end\": 151.348, \"score\": 0.999}, {\"word\": \"多\", \"start\": 151.348, \"end\": 151.488, \"score\": 0.999}, {\"word\": \"的\", \"start\": 151.488, \"end\": 152.009, \"score\": 0.951}, {\"word\": \"黨\"}, {\"word\": \"是\", \"start\": 152.009, \"end\": 152.89, \"score\": 0.977}, {\"word\": \"高\", \"start\": 152.89, \"end\": 153.01, \"score\": 0.938}, {\"word\": 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{\"word\": \"扣\", \"start\": 480.605, \"end\": 480.845, \"score\": 0.716}, {\"word\": \"除\", \"start\": 480.845, \"end\": 480.865, \"score\": 0.875}, {\"word\": \"額\"}]}, {\"start\": 481.906, \"end\": 507.157, \"text\": \"那我這邊有一個個案就是他原本以為他做不孕症的治療那可以退稅但是後來被繳納六萬塊的稅款那醫療扣除額的部分應該跟生育政策是輔助是相輔相成那我這邊看到的是你複稅署回應說他必須這些醫療院所必須事前申請財政部的認可會計的合格才可以\", \"words\": [{\"word\": \"那\", \"start\": 481.906, \"end\": 482.126, \"score\": 0.668}, {\"word\": \"我\", \"start\": 482.126, \"end\": 482.406, \"score\": 0.789}, {\"word\": \"這\"}, {\"word\": \"邊\"}, {\"word\": \"有\", \"start\": 482.406, \"end\": 482.806, \"score\": 0.78}, {\"word\": \"一\", \"start\": 482.806, \"end\": 483.047, \"score\": 0.906}, {\"word\": \"個\"}, {\"word\": \"個\"}, {\"word\": \"案\", \"start\": 483.047, \"end\": 483.327, \"score\": 0.942}, {\"word\": \"就\", \"start\": 483.327, \"end\": 483.527, \"score\": 0.885}, {\"word\": \"是\", \"start\": 483.527, \"end\": 483.887, \"score\": 0.927}, {\"word\": \"他\", \"start\": 483.887, \"end\": 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486.948, \"end\": 487.068, \"score\": 0.732}, {\"word\": \"退\", \"start\": 487.068, \"end\": 488.269, \"score\": 0.826}, {\"word\": \"稅\"}, {\"word\": \"但\", \"start\": 488.269, \"end\": 488.389, \"score\": 0.758}, {\"word\": \"是\", \"start\": 488.389, \"end\": 488.629, \"score\": 0.827}, {\"word\": \"後\", \"start\": 488.629, \"end\": 488.829, \"score\": 0.679}, {\"word\": \"來\"}, {\"word\": \"被\", \"start\": 488.829, \"end\": 489.449, \"score\": 0.848}, {\"word\": \"繳\"}, {\"word\": \"納\"}, {\"word\": \"六\", \"start\": 489.449, \"end\": 489.949, \"score\": 0.631}, {\"word\": \"萬\"}, {\"word\": \"塊\"}, {\"word\": \"的\", \"start\": 489.949, \"end\": 490.37, \"score\": 0.721}, {\"word\": \"稅\"}, {\"word\": \"款\", \"start\": 490.37, \"end\": 491.13, \"score\": 0.777}, {\"word\": \"那\", \"start\": 491.13, \"end\": 491.83, \"score\": 0.701}, {\"word\": \"醫\"}, {\"word\": \"療\"}, {\"word\": \"扣\", \"start\": 491.83, \"end\": 492.01, \"score\": 0.633}, {\"word\": \"除\", \"start\": 492.01, 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\"start\": 500.634, \"end\": 500.814, \"score\": 0.723}, {\"word\": \"必\", \"start\": 500.814, \"end\": 501.514, \"score\": 0.865}, {\"word\": \"須\"}, {\"word\": \"這\"}, {\"word\": \"些\", \"start\": 501.514, \"end\": 501.935, \"score\": 0.799}, {\"word\": \"醫\"}, {\"word\": \"療\"}, {\"word\": \"院\", \"start\": 501.935, \"end\": 502.115, \"score\": 0.981}, {\"word\": \"所\", \"start\": 502.115, \"end\": 502.315, \"score\": 0.709}, {\"word\": \"必\", \"start\": 502.315, \"end\": 502.755, \"score\": 0.905}, {\"word\": \"須\"}, {\"word\": \"事\", \"start\": 502.755, \"end\": 503.015, \"score\": 0.708}, {\"word\": \"前\", \"start\": 503.015, \"end\": 503.275, \"score\": 0.902}, {\"word\": \"申\", \"start\": 503.275, \"end\": 503.875, \"score\": 0.826}, {\"word\": \"請\"}, {\"word\": \"財\"}, {\"word\": \"政\", \"start\": 503.875, \"end\": 504.196, \"score\": 0.831}, {\"word\": \"部\", \"start\": 504.196, \"end\": 504.376, \"score\": 0.714}, {\"word\": \"的\", \"start\": 504.376, \"end\": 505.096, 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{\"word\": \"院\", \"start\": 520.682, \"end\": 521.042, \"score\": 0.986}, {\"word\": \"所\", \"start\": 521.042, \"end\": 521.282, \"score\": 0.921}, {\"word\": \"的\", \"start\": 521.282, \"end\": 522.423, \"score\": 0.825}, {\"word\": \"評\"}, {\"word\": \"價\"}, {\"word\": \"還\"}, {\"word\": \"有\", \"start\": 522.423, \"end\": 522.963, \"score\": 0.919}, {\"word\": \"他\", \"start\": 522.963, \"end\": 523.323, \"score\": 0.862}, {\"word\": \"有\", \"start\": 523.323, \"end\": 523.463, \"score\": 0.977}, {\"word\": \"沒\", \"start\": 523.463, \"end\": 523.563, \"score\": 0.798}, {\"word\": \"有\", \"start\": 523.563, \"end\": 523.903, \"score\": 0.874}, {\"word\": \"補\"}, {\"word\": \"助\", \"start\": 523.903, \"end\": 524.063, \"score\": 0.938}, {\"word\": \"但\", \"start\": 524.063, \"end\": 524.603, \"score\": 0.948}, {\"word\": \"國\"}, {\"word\": \"健\", \"start\": 524.603, \"end\": 524.804, \"score\": 0.877}, {\"word\": \"署\", \"start\": 524.804, \"end\": 524.984, \"score\": 0.78}, {\"word\": \"是\", \"start\": 524.984, \"end\": 525.084, \"score\": 0.801}, {\"word\": \"不\", \"start\": 525.084, \"end\": 525.124, \"score\": 0.479}, {\"word\": \"是\", \"start\": 525.124, \"end\": 525.324, \"score\": 0.852}, {\"word\": \"有\", \"start\": 525.324, \"end\": 525.464, \"score\": 0.846}, {\"word\": \"補\"}, {\"word\": \"助\", \"start\": 525.464, \"end\": 525.684, \"score\": 0.88}, {\"word\": \"這\"}, {\"word\": \"件\", \"start\": 525.684, \"end\": 525.884, \"score\": 0.977}, {\"word\": \"事\", \"start\": 525.884, \"end\": 526.024, \"score\": 0.987}, {\"word\": \"情\", \"start\": 526.024, \"end\": 526.284, \"score\": 0.942}, {\"word\": \"其\", \"start\": 526.284, \"end\": 526.504, \"score\": 0.872}, {\"word\": \"實\"}, {\"word\": \"是\", \"start\": 526.504, \"end\": 526.684, \"score\": 0.93}, {\"word\": \"非\", \"start\": 526.684, \"end\": 526.784, \"score\": 0.909}, {\"word\": \"常\", \"start\": 526.784, \"end\": 526.984, \"score\": 0.985}, {\"word\": \"明\", \"start\": 526.984, \"end\": 527.465, \"score\": 0.893}, {\"word\": \"確\"}, {\"word\": \"的\", \"start\": 527.465, \"end\": 527.885, \"score\": 0.983}, {\"word\": \"但\", \"start\": 527.885, \"end\": 528.105, \"score\": 0.939}, {\"word\": \"是\", \"start\": 528.105, \"end\": 528.565, \"score\": 0.99}, {\"word\": \"至\", \"start\": 528.565, \"end\": 528.765, \"score\": 0.846}, {\"word\": \"於\", \"start\": 528.765, \"end\": 529.665, \"score\": 0.864}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"醫\"}, {\"word\": \"療\"}, {\"word\": \"院\", \"start\": 529.665, \"end\": 530.025, \"score\": 0.997}, {\"word\": \"所\", \"start\": 530.025, \"end\": 530.626, \"score\": 0.97}, {\"word\": \"有\", \"start\": 530.626, \"end\": 530.886, \"score\": 0.902}, {\"word\": \"沒\", \"start\": 530.886, \"end\": 531.106, \"score\": 0.852}, {\"word\": \"有\", \"start\": 531.106, \"end\": 531.306, \"score\": 0.917}, {\"word\": \"在\", \"start\": 531.306, \"end\": 532.026, \"score\": 0.958}, {\"word\": \"我\", \"start\": 532.026, 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753.616, \"score\": 0.778}, {\"word\": \"等\", \"start\": 753.616, \"end\": 753.896, \"score\": 0.99}, {\"word\": \"原\", \"start\": 753.896, \"end\": 754.296, \"score\": 0.829}, {\"word\": \"則\"}, {\"word\": \"的\", \"start\": 754.296, \"end\": 754.417, \"score\": 0.97}, {\"word\": \"意\", \"start\": 754.417, \"end\": 754.617, \"score\": 0.823}, {\"word\": \"旨\", \"start\": 754.617, \"end\": 754.757, \"score\": 0.805}, {\"word\": \"是\", \"start\": 754.757, \"end\": 754.957, \"score\": 0.977}, {\"word\": \"不\", \"start\": 754.957, \"end\": 755.137, \"score\": 0.991}, {\"word\": \"符\", \"start\": 755.137, \"end\": 755.357, \"score\": 0.92}, {\"word\": \"合\", \"start\": 755.357, \"end\": 755.598, \"score\": 0.928}, {\"word\": \"的\", \"start\": 755.598, \"end\": 755.618, \"score\": 0.886}]}, {\"start\": 756.118, \"end\": 774.876, \"text\": \"所以我才請你再去回頭去看一下我們這個政策推出的時候跟大法官的解釋是互相違背我再次強調醫療院所做人工生殖這件事情他不會去管我的病人病患他可不可以列舉扣除而醫院關心的是我的醫療會不會做得好價格是不是一個合理我要訂一個什麼樣的價格\", \"words\": [{\"word\": \"所\", 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830.797, \"score\": 0.125}], \"language\": \"zh\"}","srt":"1\n00:00:02,470 --> 00:00:17,395\n主委剛聽到你回答李昆城委員其實因為這半年大環境的變化我確實認為這個是需要給一些彈性因為整個大環境的變化不是我們預料的到確實是需要一些滾動式的調整這個我也支持你的做法\n\n2\n00:00:17,995 --> 00:00:42,328\n主委因為我今天時間有限我有好幾個議題要問其他的部會所以請您檢答就好主委我最近關心到金管會這邊制定一個新規就是受險持有單一檔次被動式ETF持股的上限只能到30%那既有的超限的部分只能出不能進從媒體上我看到新聞上是說5月底\n\n3\n00:00:42,788 --> 00:01:09,974\n要上路那這個部分到底但我又聽到另外一個說法韓式是說六月中要上路我們到底具體的時間點要什麼時候要開始實施包委員我想具體我請王局長跟你簡單回答一下好你再簡答就好了因為我想大家都想知道這個具體的時間點我們應該是在六月份會發布韓式六月份發布韓式然後後面要做什麼樣的有給什麼樣彈性的時間嗎\n\n4\n00:01:11,622 --> 00:01:30,223\n已經超過那個30%的部分我們就是讓他不再新增不再新增部位再新增部位不要再新增部位維持現有的一個好那可不可以回應我就是目前有幾家售銜公司擁有單一的ETF超過30%的持股哪幾間是在市井邊緣\n\n5\n00:01:37,915 --> 00:01:54,588\n我們事後再給委員資訊因為這個我要掌握一下不好意思那我就要請問主委因為新規一上路會不會反向的促使更多投信推出更多相同的追蹤標的物同質性的ETF\n\n6\n00:01:55,589 --> 00:02:16,087\n因為它都是追的我們的台灣的50的指數嘛它都是追蹤相關的標的指數那其實這個部分譬如說像006208還有0050其實都是追蹤類似的台灣50的指數所以我們這樣的限制有沒有意義\n\n7\n00:02:18,049 --> 00:02:33,350\n應該這樣講就是說我們過去在保險法146之一系列的投資規定裡面分散避免集中都是它一項我們對投資規範的概念因為過去有很多它特殊的原因所以很多的黨是高度集中\n\n8\n00:02:33,931 --> 00:02:54,622\n所以我支持你的做法我現在只是提醒你他們有類似追蹤的指數我們這樣分散有沒有意義這個跟我們政經局另外的政策一樣他們在審核這些基金的時候我們也要避免雷同你以後會有其他的做法其他我們在ETF也會做這樣的一個管理\n\n9\n00:02:55,462 --> 00:03:22,775\n什麼時候整套的管理會出來不是這本來我們在ETF的時候本來就管理就是避免他們就是大家對所以我才提說其實有好幾個不同黨其實都是類似最終同樣的標的嘛所以你這樣限制百分之三十有沒有意義這個是我要提醒主委的地方對謝謝他不能集中在A他可能集中就是分散兩個類似的就是AB他都有可是我們這樣的限制有沒有意義這是我要提醒你的地方\n\n10\n00:03:23,035 --> 00:03:48,724\n第一個我們也考慮過因為保險公司市場的監理我們實際上基於大家一個很重要你理解我監理官的想法所以你真的要走這個東西所以你要其他的工具跟手段你才有辦法去達到你今天韓式的目的出來嘛對不對我只是提醒我沒有看到你其他的韓式的你有沒有其他的做法我還沒有看到所以今天我透過這個質詢來提醒主委\n\n11\n00:03:49,244 --> 00:04:13,960\n第二個也是我長期關注的我希望我有答案啦我希望後續你可以提供我答案那第二個就是我們防詐的量能齁其實從防詐的儀表板裡面我看到從二月份開始我們財損是60億然後三月份是70億四月份是76億就是說詐騙的案件仍舊是層出不窮喔那所以我們看到金管會去年曾經也要求我們銀行都要設打詐的專責的主管\n\n12\n00:04:17,662 --> 00:04:34,514\n之前同樣的議題我問過財政部我說我們打仗的專責的主管到底是兼任還是應該專任那目前我看到我們的公股其實都是兼任兼任其實沒有辦法達到主要的目的為什麼因為他都有其他主要的業務\n\n13\n00:04:35,094 --> 00:04:54,579\n都會先把他主要業務做好他不可能主要去做打賬所以這個是兼任跟專任最主要的差別所以我要請問金管會你手邊到底有沒有盤點所有的公股跟民間所有的銀行我們到底有多少是兼任多少是專任\n\n14\n00:04:57,000 --> 00:05:22,953\n我們有什麼具體的做法希望他是專任專任比兼任好嘛你同意我的說法對不對主委當然所有事情如果專職專職才能把事情做好嘛對但是我們現在第一個先要求他們一定要有這個專職而不是專職比如說要有這個來負責任的高階主管那以前可能沒有那我們現在有剛剛委員講的是這個人只做這件事情\n\n15\n00:05:24,133 --> 00:05:43,858\n主任我覺得因為近期我們看到銀行行員涉詐騙案越來越多這也顯示出內控失靈的狀況雖然部長今天回應我說其實有一些是他們在內部內控的機制他們自己已經警覺發聲但是如果在事前更前端他們內部有更多\n\n16\n00:05:44,958 --> 00:06:10,769\n不同道的警示機制說不定這些平常的標準SOP他們制定的更嚴謹說不定這些事情根本連發生的機會都沒有而不需要內控機制去察覺因為最近我們看到內控機制失靈其實是頻繁度是越來越高這個是我期望我覺得主委我們未來在盤點內部機制的時候我覺得我們應該要去處理的地方那最後一個就是\n\n17\n00:06:11,949 --> 00:06:19,916\n主委我要提醒一下就是說我們目前打詐的專法防制條例在去年的7月31號公佈實施那無論是從投資的詐騙網路的詐騙還有包括學生網購其實都非常的頻繁那\n\n18\n00:06:28,924 --> 00:06:42,397\n我提出一個建議我覺得我們現在國人對於金融的教育的部分比照國際比如說比照美國跟日本他們在高中生他們就推動金融教育課程的義務化的課程\n\n19\n00:06:44,099 --> 00:07:02,211\n就是說哪些無論是我們一般的民眾我覺得如果可以從學校教育對於金融的部分金融教育的義務化如果我們可以提早去做一些鋪陳我覺得對於國人金融教育也好或打詐這一個部分的資訊我覺得會更嚴謹\n\n20\n00:07:03,812 --> 00:07:20,179\n所以我今天提出這個質詢我希望我們可以有一個專案可以跟教育部來去做溝通未來如何從高中的課程如何從金融教育國際金融教育的部分我們可以開始去做深耕的做法可不可以\n\n21\n00:07:21,175 --> 00:07:37,193\n我想這個方向我們是支持一定支持因為我們即便沒有再變成課程化我們現在走入校園都是我們持續在辦的活動但是我希望有具體的做法我希望可以在三個月之內這個我提議看如何去回應我好不好主委你請回時間先暫停我可不可以請複稅署\n\n22\n00:07:42,604 --> 00:08:00,865\n時間一直在走署長我不要佔用太多時間因為我這個個案可能影響到很多人我們現在不印證的部分事實上在財政部是可以列為扣除額的不印證的補助可以列為扣除額\n\n23\n00:08:01,906 --> 00:08:27,157\n那我這邊有一個個案就是他原本以為他做不孕症的治療那可以退稅但是後來被繳納六萬塊的稅款那醫療扣除額的部分應該跟生育政策是輔助是相輔相成那我這邊看到的是你複稅署回應說他必須這些醫療院所必須事前申請財政部的認可會計的合格才可以\n\n24\n00:08:27,637 --> 00:08:52,146\n我覺得這跟大法官的解釋是有衝突的因為一般民眾他去做生意的補助我們國人現在都希望真的不印證我們鼓勵他去做這件事情他都會考量第一他費用的價格跟院所的評價還有他有沒有補助但國健署是不是有補助這件事情其實是非常明確的但是至於這個醫療院所有沒有在我們複稅署裡面\n\n25\n00:08:54,432 --> 00:09:14,982\n申請它是可以列為扣除的這件事情通常國人都不知道我們通常只知道我現在如果有需要我不印證我去做這件事情我最後是有機會不是有機會是我一定可以列為扣除的但是我覺得我們現在的做法事實上是跟大法官的解釋是互相違背的\n\n26\n00:09:16,462 --> 00:09:42,548\n必須醫療院所有去申請他才可以抵扣扣除我覺得這件事情跟我們現在鼓勵生育補助鼓勵大家如果真的不孕症的話我覺得這件事情是互相違背的所以這件事情是不是可以請複稅署可以基於職權應該從個案可以去做一些審核的方法跟方式\n\n27\n00:09:43,508 --> 00:09:50,754\n否則我們當時去獵主扣除額這件事但目前其實大部分我們都知道人工升職的醫療院所目前在我們的申請裡面總共有12家裡面只有2家是可以免稅扣除額的\n\n28\n00:10:00,282 --> 00:10:16,921\n那但是事實上目前其實人工升職的醫療院所非常非常多大家只會去想說哪一間評價比較好還有費用比較合理他根本不會知道說這間是不是在扣除額裡面等到他做完之後他這一看原來這一間他沒有申請扣除額\n\n29\n00:10:18,550 --> 00:10:39,059\n所以這個事情我覺得賦稅署應該有不同的思考邏輯跟方式因為六萬塊對於一般年輕的夫婦他做人工生殖這件事情其實費用已經是非常的高所以署長我覺得這件事情應該從個案的部分去做一些思考\n\n30\n00:10:40,317 --> 00:11:04,287\n委員我快速的回應你一下其實因為我們所需要的17條裡面明明規定是要公立還有健保特約醫院還有我們所謂財政部核定會計支付網隊醫院才可以列報所以要費扣除他的立法意志主要是因為如果他沒有核實去申報收入他開出來收據如果一般的我們講的就診者那個署長\n\n31\n00:11:05,527 --> 00:11:34,286\n所有的醫療院所它都是合法合規的醫療院所我們現在做人工生殖沒有什麼地下的不合法不合規只是說我們我們現在就是說要列舉扣除這些醫療院所目前就只有兩家是可以扣除事實上在台灣有這麼多家都有在做人工生殖我們都希望我們這個政策我們這個列舉扣除人工生殖的補助可以列舉扣除是可以照顧所有\n\n32\n00:11:35,126 --> 00:11:52,004\n年輕的夫妻他有這個需求否則我們就跟鼓勵生育這件事情政府的政策是互相違背的所以我才請你再去進一步再去思考這個政策有沒有必要再去進一步的做調整因為這跟大法官的解釋事實上是互相違背的\n\n33\n00:11:52,424 --> 00:12:08,973\n我希望你去看一下大法官的解釋有我跟委員報告其實我們現在有一直密切跟衛福部那邊去合作然後我們現在的方向我們最近才剛修正一個認定要點就是鼓勵我們所謂的醫療院所來申請像\n\n34\n00:12:11,856 --> 00:12:35,618\n醫療院所根本不會去管可不可以抵扣他只要去管他的醫療專業做不做得好這件事情我講的你理解道理所以你看一下大法官的解釋其實是對於給付其他合法醫療院所的醫療費用不得列舉扣除這件事情其實跟憲法第七條平等原則的意旨是不符合的\n\n35\n00:12:36,118 --> 00:12:54,876\n所以我才請你再去回頭去看一下我們這個政策推出的時候跟大法官的解釋是互相違背我再次強調醫療院所做人工生殖這件事情他不會去管我的病人病患他可不可以列舉扣除而醫院關心的是我的醫療會不會做得好價格是不是一個合理我要訂一個什麼樣的價格\n\n36\n00:12:59,600 --> 00:13:25,753\n但是這整件事情跟政府其實希望鼓勵人工生殖真的鼓勵政府是可以鼓勵人工生殖我們政府也希望有一些補助所以我們的做法其實應該再進一步做調整我們現在會努力去讓我們的醫療院所能夠了解我們現在的規定然後願意來而且我們會有鼓勵的措施我們已經到初級了對對對那署長我不占用別的委員的時間\n\n37\n00:13:27,654 --> 00:13:50,797\n主動出擊去處理這件事情不要把政府的美意打對折有有有我們都有處理謝謝謝謝委員是謝謝燕秀我想在這裡跟副社長做一個結議希望就是因應少子化那這個人工生殖法你有一個比較具體的方式兩個禮拜提出來給我們委員會好不好\n\n","tsv":"start\tend\ttext\n2470\t17395\t主委剛聽到你回答李昆城委員其實因為這半年大環境的變化我確實認為這個是需要給一些彈性因為整個大環境的變化不是我們預料的到確實是需要一些滾動式的調整這個我也支持你的做法\n17995\t42328\t主委因為我今天時間有限我有好幾個議題要問其他的部會所以請您檢答就好主委我最近關心到金管會這邊制定一個新規就是受險持有單一檔次被動式ETF持股的上限只能到30%那既有的超限的部分只能出不能進從媒體上我看到新聞上是說5月底\n42788\t69974\t要上路那這個部分到底但我又聽到另外一個說法韓式是說六月中要上路我們到底具體的時間點要什麼時候要開始實施包委員我想具體我請王局長跟你簡單回答一下好你再簡答就好了因為我想大家都想知道這個具體的時間點我們應該是在六月份會發布韓式六月份發布韓式然後後面要做什麼樣的有給什麼樣彈性的時間嗎\n71622\t90223\t已經超過那個30%的部分我們就是讓他不再新增不再新增部位再新增部位不要再新增部位維持現有的一個好那可不可以回應我就是目前有幾家售銜公司擁有單一的ETF超過30%的持股哪幾間是在市井邊緣\n97915\t114588\t我們事後再給委員資訊因為這個我要掌握一下不好意思那我就要請問主委因為新規一上路會不會反向的促使更多投信推出更多相同的追蹤標的物同質性的ETF\n115589\t136087\t因為它都是追的我們的台灣的50的指數嘛它都是追蹤相關的標的指數那其實這個部分譬如說像006208還有0050其實都是追蹤類似的台灣50的指數所以我們這樣的限制有沒有意義\n138049\t153350\t應該這樣講 就是說我們過去在保險法146之一系列的投資規定裡面分散避免集中都是它一項我們對投資規範的概念因為過去有很多它特殊的原因所以很多的黨是高度集中\n153931\t174622\t所以我支持你的做法我現在只是提醒你他們有類似追蹤的指數我們這樣分散有沒有意義這個跟我們政經局另外的政策一樣他們在審核這些基金的時候我們也要避免雷同你以後會有其他的做法其他我們在ETF也會做這樣的一個管理\n175462\t202775\t什麼時候整套的管理會出來不是 這本來我們在ETF的時候本來就管理就是避免他們就是大家對 所以我才提說其實有好幾個不同黨其實都是類似最終同樣的標的嘛所以你這樣限制百分之三十有沒有意義這個是我要提醒主委的地方對 謝謝他不能集中在A他可能集中就是分散兩個類似的就是A B他都有可是我們這樣的限制有沒有意義這是我要提醒你的地方\n203035\t228724\t第一個我們也考慮過因為保險公司市場的監理我們實際上基於大家一個很重要你理解我監理官的想法所以你真的要走這個東西所以你要其他的工具跟手段你才有辦法去達到你今天韓式的目的出來嘛對不對我只是提醒我沒有看到你其他的韓式的你有沒有其他的做法我還沒有看到所以今天我透過這個質詢來提醒主委\n229244\t253960\t第二個也是我長期關注的我希望我有答案啦我希望後續你可以提供我答案那第二個就是我們防詐的量能齁其實從防詐的儀表板裡面我看到從二月份開始我們財損是60億然後三月份是70億四月份是76億就是說詐騙的案件仍舊是層出不窮喔那所以我們看到金管會去年曾經也要求我們銀行都要設打詐的專責的主管\n257662\t274514\t之前同樣的議題我問過財政部我說我們打仗的專責的主管到底是兼任還是應該專任那目前我看到我們的公股其實都是兼任兼任其實沒有辦法達到主要的目的為什麼因為他都有其他主要的業務\n275094\t294579\t都會先把他主要業務做好他不可能主要去做打賬所以這個是兼任跟專任最主要的差別所以我要請問金管會你手邊到底有沒有盤點所有的公股跟民間所有的銀行我們到底有多少是兼任多少是專任\n297000\t322953\t我們有什麼具體的做法 希望他是專任專任比兼任好嘛 你同意我的說法對不對 主委當然 所有事情如果專職專職才能把事情做好嘛對 但是我們現在第一個先要求他們一定要有這個專職而不是專職 比如說要有這個來負責任的高階主管那以前可能沒有 那我們現在有剛剛委員講的是 這個人只做這件事情\n324133\t343858\t主任我覺得因為近期我們看到銀行行員涉詐騙案越來越多這也顯示出內控失靈的狀況雖然部長今天回應我說其實有一些是他們在內部內控的機制他們自己已經警覺發聲但是如果在事前更前端他們內部有更多\n344958\t370769\t不同道的警示機制說不定這些平常的標準SOP他們制定的更嚴謹說不定這些事情根本連發生的機會都沒有而不需要內控機制去察覺因為最近我們看到內控機制失靈其實是頻繁度是越來越高這個是我期望我覺得主委我們未來在盤點內部機制的時候我覺得我們應該要去處理的地方那最後一個就是\n371949\t379916\t主委我要提醒一下就是說我們目前打詐的專法防制條例在去年的7月31號公佈實施那無論是從投資的詐騙網路的詐騙還有包括學生網購其實都非常的頻繁那\n388924\t402397\t我提出一個建議我覺得我們現在國人對於金融的教育的部分比照國際比如說比照美國跟日本他們在高中生他們就推動金融教育課程的義務化的課程\n404099\t422211\t就是說哪些無論是我們一般的民眾我覺得如果可以從學校教育對於金融的部分金融教育的義務化如果我們可以提早去做一些鋪陳我覺得對於國人金融教育也好或打詐這一個部分的資訊我覺得會更嚴謹\n423812\t440179\t所以我今天提出這個質詢我希望我們可以有一個專案可以跟教育部來去做溝通未來如何從高中的課程如何從金融教育國際金融教育的部分我們可以開始去做深耕的做法可不可以\n441175\t457193\t我想這個方向我們是支持一定支持因為我們即便沒有再變成課程化我們現在走入校園都是我們持續在辦的活動但是我希望有具體的做法我希望可以在三個月之內這個我提議看如何去回應我好不好主委你請回時間先暫停我可不可以請複稅署\n462604\t480865\t時間一直在走 署長我不要佔用太多時間因為我這個個案可能影響到很多人我們現在不印證的部分事實上在財政部是可以列為扣除額的不印證的補助可以列為扣除額\n481906\t507157\t那我這邊有一個個案就是他原本以為他做不孕症的治療那可以退稅但是後來被繳納六萬塊的稅款那醫療扣除額的部分應該跟生育政策是輔助是相輔相成那我這邊看到的是你複稅署回應說他必須這些醫療院所必須事前申請財政部的認可會計的合格才可以\n507637\t532146\t我覺得這跟大法官的解釋是有衝突的因為一般民眾他去做生意的補助我們國人現在都希望真的不印證我們鼓勵他去做這件事情他都會考量第一他費用的價格跟院所的評價還有他有沒有補助但國健署是不是有補助這件事情其實是非常明確的但是至於這個醫療院所有沒有在我們複稅署裡面\n534432\t554982\t申請它是可以列為扣除的這件事情通常國人都不知道我們通常只知道我現在如果有需要我不印證我去做這件事情我最後是有機會不是有機會是我一定可以列為扣除的但是我覺得我們現在的做法事實上是跟大法官的解釋是互相違背的\n556462\t582548\t必須醫療院所有去申請他才可以抵扣扣除我覺得這件事情跟我們現在鼓勵生育補助鼓勵大家如果真的不孕症的話我覺得這件事情是互相違背的所以這件事情是不是可以請複稅署可以基於職權應該從個案可以去做一些審核的方法跟方式\n583508\t590754\t否則我們當時去獵主扣除額這件事但目前其實大部分我們都知道人工升職的醫療院所目前在我們的申請裡面總共有12家裡面只有2家是可以免稅扣除額的\n600282\t616921\t那但是事實上目前其實人工升職的醫療院所非常非常多大家只會去想說哪一間評價比較好還有費用比較合理他根本不會知道說這間是不是在扣除額裡面等到他做完之後他這一看原來這一間他沒有申請扣除額\n618550\t639059\t所以這個事情我覺得賦稅署應該有不同的思考邏輯跟方式因為六萬塊對於一般年輕的夫婦他做人工生殖這件事情其實費用已經是非常的高所以署長我覺得這件事情應該從個案的部分去做一些思考\n640317\t664287\t委員我快速的回應你一下其實因為我們所需要的17條裡面明明規定是要公立還有健保特約醫院還有我們所謂財政部核定會計支付網隊醫院才可以列報所以要費扣除他的立法意志主要是因為如果他沒有核實去申報收入他開出來收據如果一般的我們講的就診者那個署長\n665527\t694286\t所有的醫療院所它都是合法合規的醫療院所我們現在做人工生殖沒有什麼地下的不合法不合規只是說我們我們現在就是說要列舉扣除這些醫療院所目前就只有兩家是可以扣除事實上在台灣有這麼多家都有在做人工生殖我們都希望我們這個政策我們這個列舉扣除人工生殖的補助可以列舉扣除是可以照顧所有\n695126\t712004\t年輕的夫妻他有這個需求否則我們就跟鼓勵生育這件事情政府的政策是互相違背的所以我才請你再去進一步再去思考這個政策有沒有必要再去進一步的做調整因為這跟大法官的解釋事實上是互相違背的\n712424\t728973\t我希望你去看一下大法官的解釋有 我跟委員報告其實我們現在有一直密切跟衛福部那邊去合作然後我們現在的方向我們最近才剛修正一個認定要點就是鼓勵我們所謂的醫療院所來申請像\n731856\t755618\t醫療院所根本不會去管 可不可以抵扣他只要去管他的醫療專業做不做得好這件事情我講的你理解道理所以你看一下大法官的解釋其實是對於給付其他合法醫療院所的醫療費用不得列舉扣除這件事情其實跟憲法第七條平等原則的意旨是不符合的\n756118\t774876\t所以我才請你再去回頭去看一下我們這個政策推出的時候跟大法官的解釋是互相違背我再次強調醫療院所做人工生殖這件事情他不會去管我的病人病患他可不可以列舉扣除而醫院關心的是我的醫療會不會做得好價格是不是一個合理我要訂一個什麼樣的價格\n779600\t805753\t但是這整件事情跟政府其實希望鼓勵人工生殖真的鼓勵政府是可以鼓勵人工生殖我們政府也希望有一些補助所以我們的做法其實應該再進一步做調整我們現在會努力去讓我們的醫療院所能夠了解我們現在的規定然後願意來而且我們會有鼓勵的措施我們已經到初級了對 對 對那署長我不占用別的委員的時間\n807654\t830797\t主動出擊去處理這件事情不要把政府的美意打對折有有有 我們都有處理謝謝謝謝委員是 謝謝燕秀我想在這裡跟副社長做一個結議希望就是因應少子化那這個人工生殖法你有一個比較具體的方式兩個禮拜提出來給我們委員會好不好\n","txt":"主委剛聽到你回答李昆城委員其實因為這半年大環境的變化我確實認為這個是需要給一些彈性因為整個大環境的變化不是我們預料的到確實是需要一些滾動式的調整這個我也支持你的做法\n主委因為我今天時間有限我有好幾個議題要問其他的部會所以請您檢答就好主委我最近關心到金管會這邊制定一個新規就是受險持有單一檔次被動式ETF持股的上限只能到30%那既有的超限的部分只能出不能進從媒體上我看到新聞上是說5月底\n要上路那這個部分到底但我又聽到另外一個說法韓式是說六月中要上路我們到底具體的時間點要什麼時候要開始實施包委員我想具體我請王局長跟你簡單回答一下好你再簡答就好了因為我想大家都想知道這個具體的時間點我們應該是在六月份會發布韓式六月份發布韓式然後後面要做什麼樣的有給什麼樣彈性的時間嗎\n已經超過那個30%的部分我們就是讓他不再新增不再新增部位再新增部位不要再新增部位維持現有的一個好那可不可以回應我就是目前有幾家售銜公司擁有單一的ETF超過30%的持股哪幾間是在市井邊緣\n我們事後再給委員資訊因為這個我要掌握一下不好意思那我就要請問主委因為新規一上路會不會反向的促使更多投信推出更多相同的追蹤標的物同質性的ETF\n因為它都是追的我們的台灣的50的指數嘛它都是追蹤相關的標的指數那其實這個部分譬如說像006208還有0050其實都是追蹤類似的台灣50的指數所以我們這樣的限制有沒有意義\n應該這樣講 就是說我們過去在保險法146之一系列的投資規定裡面分散避免集中都是它一項我們對投資規範的概念因為過去有很多它特殊的原因所以很多的黨是高度集中\n所以我支持你的做法我現在只是提醒你他們有類似追蹤的指數我們這樣分散有沒有意義這個跟我們政經局另外的政策一樣他們在審核這些基金的時候我們也要避免雷同你以後會有其他的做法其他我們在ETF也會做這樣的一個管理\n什麼時候整套的管理會出來不是 這本來我們在ETF的時候本來就管理就是避免他們就是大家對 所以我才提說其實有好幾個不同黨其實都是類似最終同樣的標的嘛所以你這樣限制百分之三十有沒有意義這個是我要提醒主委的地方對 謝謝他不能集中在A他可能集中就是分散兩個類似的就是A B他都有可是我們這樣的限制有沒有意義這是我要提醒你的地方\n第一個我們也考慮過因為保險公司市場的監理我們實際上基於大家一個很重要你理解我監理官的想法所以你真的要走這個東西所以你要其他的工具跟手段你才有辦法去達到你今天韓式的目的出來嘛對不對我只是提醒我沒有看到你其他的韓式的你有沒有其他的做法我還沒有看到所以今天我透過這個質詢來提醒主委\n第二個也是我長期關注的我希望我有答案啦我希望後續你可以提供我答案那第二個就是我們防詐的量能齁其實從防詐的儀表板裡面我看到從二月份開始我們財損是60億然後三月份是70億四月份是76億就是說詐騙的案件仍舊是層出不窮喔那所以我們看到金管會去年曾經也要求我們銀行都要設打詐的專責的主管\n之前同樣的議題我問過財政部我說我們打仗的專責的主管到底是兼任還是應該專任那目前我看到我們的公股其實都是兼任兼任其實沒有辦法達到主要的目的為什麼因為他都有其他主要的業務\n都會先把他主要業務做好他不可能主要去做打賬所以這個是兼任跟專任最主要的差別所以我要請問金管會你手邊到底有沒有盤點所有的公股跟民間所有的銀行我們到底有多少是兼任多少是專任\n我們有什麼具體的做法 希望他是專任專任比兼任好嘛 你同意我的說法對不對 主委當然 所有事情如果專職專職才能把事情做好嘛對 但是我們現在第一個先要求他們一定要有這個專職而不是專職 比如說要有這個來負責任的高階主管那以前可能沒有 那我們現在有剛剛委員講的是 這個人只做這件事情\n主任我覺得因為近期我們看到銀行行員涉詐騙案越來越多這也顯示出內控失靈的狀況雖然部長今天回應我說其實有一些是他們在內部內控的機制他們自己已經警覺發聲但是如果在事前更前端他們內部有更多\n不同道的警示機制說不定這些平常的標準SOP他們制定的更嚴謹說不定這些事情根本連發生的機會都沒有而不需要內控機制去察覺因為最近我們看到內控機制失靈其實是頻繁度是越來越高這個是我期望我覺得主委我們未來在盤點內部機制的時候我覺得我們應該要去處理的地方那最後一個就是\n主委我要提醒一下就是說我們目前打詐的專法防制條例在去年的7月31號公佈實施那無論是從投資的詐騙網路的詐騙還有包括學生網購其實都非常的頻繁那\n我提出一個建議我覺得我們現在國人對於金融的教育的部分比照國際比如說比照美國跟日本他們在高中生他們就推動金融教育課程的義務化的課程\n就是說哪些無論是我們一般的民眾我覺得如果可以從學校教育對於金融的部分金融教育的義務化如果我們可以提早去做一些鋪陳我覺得對於國人金融教育也好或打詐這一個部分的資訊我覺得會更嚴謹\n所以我今天提出這個質詢我希望我們可以有一個專案可以跟教育部來去做溝通未來如何從高中的課程如何從金融教育國際金融教育的部分我們可以開始去做深耕的做法可不可以\n我想這個方向我們是支持一定支持因為我們即便沒有再變成課程化我們現在走入校園都是我們持續在辦的活動但是我希望有具體的做法我希望可以在三個月之內這個我提議看如何去回應我好不好主委你請回時間先暫停我可不可以請複稅署\n時間一直在走 署長我不要佔用太多時間因為我這個個案可能影響到很多人我們現在不印證的部分事實上在財政部是可以列為扣除額的不印證的補助可以列為扣除額\n那我這邊有一個個案就是他原本以為他做不孕症的治療那可以退稅但是後來被繳納六萬塊的稅款那醫療扣除額的部分應該跟生育政策是輔助是相輔相成那我這邊看到的是你複稅署回應說他必須這些醫療院所必須事前申請財政部的認可會計的合格才可以\n我覺得這跟大法官的解釋是有衝突的因為一般民眾他去做生意的補助我們國人現在都希望真的不印證我們鼓勵他去做這件事情他都會考量第一他費用的價格跟院所的評價還有他有沒有補助但國健署是不是有補助這件事情其實是非常明確的但是至於這個醫療院所有沒有在我們複稅署裡面\n申請它是可以列為扣除的這件事情通常國人都不知道我們通常只知道我現在如果有需要我不印證我去做這件事情我最後是有機會不是有機會是我一定可以列為扣除的但是我覺得我們現在的做法事實上是跟大法官的解釋是互相違背的\n必須醫療院所有去申請他才可以抵扣扣除我覺得這件事情跟我們現在鼓勵生育補助鼓勵大家如果真的不孕症的話我覺得這件事情是互相違背的所以這件事情是不是可以請複稅署可以基於職權應該從個案可以去做一些審核的方法跟方式\n否則我們當時去獵主扣除額這件事但目前其實大部分我們都知道人工升職的醫療院所目前在我們的申請裡面總共有12家裡面只有2家是可以免稅扣除額的\n那但是事實上目前其實人工升職的醫療院所非常非常多大家只會去想說哪一間評價比較好還有費用比較合理他根本不會知道說這間是不是在扣除額裡面等到他做完之後他這一看原來這一間他沒有申請扣除額\n所以這個事情我覺得賦稅署應該有不同的思考邏輯跟方式因為六萬塊對於一般年輕的夫婦他做人工生殖這件事情其實費用已經是非常的高所以署長我覺得這件事情應該從個案的部分去做一些思考\n委員我快速的回應你一下其實因為我們所需要的17條裡面明明規定是要公立還有健保特約醫院還有我們所謂財政部核定會計支付網隊醫院才可以列報所以要費扣除他的立法意志主要是因為如果他沒有核實去申報收入他開出來收據如果一般的我們講的就診者那個署長\n所有的醫療院所它都是合法合規的醫療院所我們現在做人工生殖沒有什麼地下的不合法不合規只是說我們我們現在就是說要列舉扣除這些醫療院所目前就只有兩家是可以扣除事實上在台灣有這麼多家都有在做人工生殖我們都希望我們這個政策我們這個列舉扣除人工生殖的補助可以列舉扣除是可以照顧所有\n年輕的夫妻他有這個需求否則我們就跟鼓勵生育這件事情政府的政策是互相違背的所以我才請你再去進一步再去思考這個政策有沒有必要再去進一步的做調整因為這跟大法官的解釋事實上是互相違背的\n我希望你去看一下大法官的解釋有 我跟委員報告其實我們現在有一直密切跟衛福部那邊去合作然後我們現在的方向我們最近才剛修正一個認定要點就是鼓勵我們所謂的醫療院所來申請像\n醫療院所根本不會去管 可不可以抵扣他只要去管他的醫療專業做不做得好這件事情我講的你理解道理所以你看一下大法官的解釋其實是對於給付其他合法醫療院所的醫療費用不得列舉扣除這件事情其實跟憲法第七條平等原則的意旨是不符合的\n所以我才請你再去回頭去看一下我們這個政策推出的時候跟大法官的解釋是互相違背我再次強調醫療院所做人工生殖這件事情他不會去管我的病人病患他可不可以列舉扣除而醫院關心的是我的醫療會不會做得好價格是不是一個合理我要訂一個什麼樣的價格\n但是這整件事情跟政府其實希望鼓勵人工生殖真的鼓勵政府是可以鼓勵人工生殖我們政府也希望有一些補助所以我們的做法其實應該再進一步做調整我們現在會努力去讓我們的醫療院所能夠了解我們現在的規定然後願意來而且我們會有鼓勵的措施我們已經到初級了對 對 對那署長我不占用別的委員的時間\n主動出擊去處理這件事情不要把政府的美意打對折有有有 我們都有處理謝謝謝謝委員是 謝謝燕秀我想在這裡跟副社長做一個結議希望就是因應少子化那這個人工生殖法你有一個比較具體的方式兩個禮拜提出來給我們委員會好不好\n","vtt":"WEBVTT\n\n00:02.470 --> 00:17.395\n主委剛聽到你回答李昆城委員其實因為這半年大環境的變化我確實認為這個是需要給一些彈性因為整個大環境的變化不是我們預料的到確實是需要一些滾動式的調整這個我也支持你的做法\n\n00:17.995 --> 00:42.328\n主委因為我今天時間有限我有好幾個議題要問其他的部會所以請您檢答就好主委我最近關心到金管會這邊制定一個新規就是受險持有單一檔次被動式ETF持股的上限只能到30%那既有的超限的部分只能出不能進從媒體上我看到新聞上是說5月底\n\n00:42.788 --> 01:09.974\n要上路那這個部分到底但我又聽到另外一個說法韓式是說六月中要上路我們到底具體的時間點要什麼時候要開始實施包委員我想具體我請王局長跟你簡單回答一下好你再簡答就好了因為我想大家都想知道這個具體的時間點我們應該是在六月份會發布韓式六月份發布韓式然後後面要做什麼樣的有給什麼樣彈性的時間嗎\n\n01:11.622 --> 01:30.223\n已經超過那個30%的部分我們就是讓他不再新增不再新增部位再新增部位不要再新增部位維持現有的一個好那可不可以回應我就是目前有幾家售銜公司擁有單一的ETF超過30%的持股哪幾間是在市井邊緣\n\n01:37.915 --> 01:54.588\n我們事後再給委員資訊因為這個我要掌握一下不好意思那我就要請問主委因為新規一上路會不會反向的促使更多投信推出更多相同的追蹤標的物同質性的ETF\n\n01:55.589 --> 02:16.087\n因為它都是追的我們的台灣的50的指數嘛它都是追蹤相關的標的指數那其實這個部分譬如說像006208還有0050其實都是追蹤類似的台灣50的指數所以我們這樣的限制有沒有意義\n\n02:18.049 --> 02:33.350\n應該這樣講就是說我們過去在保險法146之一系列的投資規定裡面分散避免集中都是它一項我們對投資規範的概念因為過去有很多它特殊的原因所以很多的黨是高度集中\n\n02:33.931 --> 02:54.622\n所以我支持你的做法我現在只是提醒你他們有類似追蹤的指數我們這樣分散有沒有意義這個跟我們政經局另外的政策一樣他們在審核這些基金的時候我們也要避免雷同你以後會有其他的做法其他我們在ETF也會做這樣的一個管理\n\n02:55.462 --> 03:22.775\n什麼時候整套的管理會出來不是這本來我們在ETF的時候本來就管理就是避免他們就是大家對所以我才提說其實有好幾個不同黨其實都是類似最終同樣的標的嘛所以你這樣限制百分之三十有沒有意義這個是我要提醒主委的地方對謝謝他不能集中在A他可能集中就是分散兩個類似的就是AB他都有可是我們這樣的限制有沒有意義這是我要提醒你的地方\n\n03:23.035 --> 03:48.724\n第一個我們也考慮過因為保險公司市場的監理我們實際上基於大家一個很重要你理解我監理官的想法所以你真的要走這個東西所以你要其他的工具跟手段你才有辦法去達到你今天韓式的目的出來嘛對不對我只是提醒我沒有看到你其他的韓式的你有沒有其他的做法我還沒有看到所以今天我透過這個質詢來提醒主委\n\n03:49.244 --> 04:13.960\n第二個也是我長期關注的我希望我有答案啦我希望後續你可以提供我答案那第二個就是我們防詐的量能齁其實從防詐的儀表板裡面我看到從二月份開始我們財損是60億然後三月份是70億四月份是76億就是說詐騙的案件仍舊是層出不窮喔那所以我們看到金管會去年曾經也要求我們銀行都要設打詐的專責的主管\n\n04:17.662 --> 04:34.514\n之前同樣的議題我問過財政部我說我們打仗的專責的主管到底是兼任還是應該專任那目前我看到我們的公股其實都是兼任兼任其實沒有辦法達到主要的目的為什麼因為他都有其他主要的業務\n\n04:35.094 --> 04:54.579\n都會先把他主要業務做好他不可能主要去做打賬所以這個是兼任跟專任最主要的差別所以我要請問金管會你手邊到底有沒有盤點所有的公股跟民間所有的銀行我們到底有多少是兼任多少是專任\n\n04:57.000 --> 05:22.953\n我們有什麼具體的做法希望他是專任專任比兼任好嘛你同意我的說法對不對主委當然所有事情如果專職專職才能把事情做好嘛對但是我們現在第一個先要求他們一定要有這個專職而不是專職比如說要有這個來負責任的高階主管那以前可能沒有那我們現在有剛剛委員講的是這個人只做這件事情\n\n05:24.133 --> 05:43.858\n主任我覺得因為近期我們看到銀行行員涉詐騙案越來越多這也顯示出內控失靈的狀況雖然部長今天回應我說其實有一些是他們在內部內控的機制他們自己已經警覺發聲但是如果在事前更前端他們內部有更多\n\n05:44.958 --> 06:10.769\n不同道的警示機制說不定這些平常的標準SOP他們制定的更嚴謹說不定這些事情根本連發生的機會都沒有而不需要內控機制去察覺因為最近我們看到內控機制失靈其實是頻繁度是越來越高這個是我期望我覺得主委我們未來在盤點內部機制的時候我覺得我們應該要去處理的地方那最後一個就是\n\n06:11.949 --> 06:19.916\n主委我要提醒一下就是說我們目前打詐的專法防制條例在去年的7月31號公佈實施那無論是從投資的詐騙網路的詐騙還有包括學生網購其實都非常的頻繁那\n\n06:28.924 --> 06:42.397\n我提出一個建議我覺得我們現在國人對於金融的教育的部分比照國際比如說比照美國跟日本他們在高中生他們就推動金融教育課程的義務化的課程\n\n06:44.099 --> 07:02.211\n就是說哪些無論是我們一般的民眾我覺得如果可以從學校教育對於金融的部分金融教育的義務化如果我們可以提早去做一些鋪陳我覺得對於國人金融教育也好或打詐這一個部分的資訊我覺得會更嚴謹\n\n07:03.812 --> 07:20.179\n所以我今天提出這個質詢我希望我們可以有一個專案可以跟教育部來去做溝通未來如何從高中的課程如何從金融教育國際金融教育的部分我們可以開始去做深耕的做法可不可以\n\n07:21.175 --> 07:37.193\n我想這個方向我們是支持一定支持因為我們即便沒有再變成課程化我們現在走入校園都是我們持續在辦的活動但是我希望有具體的做法我希望可以在三個月之內這個我提議看如何去回應我好不好主委你請回時間先暫停我可不可以請複稅署\n\n07:42.604 --> 08:00.865\n時間一直在走署長我不要佔用太多時間因為我這個個案可能影響到很多人我們現在不印證的部分事實上在財政部是可以列為扣除額的不印證的補助可以列為扣除額\n\n08:01.906 --> 08:27.157\n那我這邊有一個個案就是他原本以為他做不孕症的治療那可以退稅但是後來被繳納六萬塊的稅款那醫療扣除額的部分應該跟生育政策是輔助是相輔相成那我這邊看到的是你複稅署回應說他必須這些醫療院所必須事前申請財政部的認可會計的合格才可以\n\n08:27.637 --> 08:52.146\n我覺得這跟大法官的解釋是有衝突的因為一般民眾他去做生意的補助我們國人現在都希望真的不印證我們鼓勵他去做這件事情他都會考量第一他費用的價格跟院所的評價還有他有沒有補助但國健署是不是有補助這件事情其實是非常明確的但是至於這個醫療院所有沒有在我們複稅署裡面\n\n08:54.432 --> 09:14.982\n申請它是可以列為扣除的這件事情通常國人都不知道我們通常只知道我現在如果有需要我不印證我去做這件事情我最後是有機會不是有機會是我一定可以列為扣除的但是我覺得我們現在的做法事實上是跟大法官的解釋是互相違背的\n\n09:16.462 --> 09:42.548\n必須醫療院所有去申請他才可以抵扣扣除我覺得這件事情跟我們現在鼓勵生育補助鼓勵大家如果真的不孕症的話我覺得這件事情是互相違背的所以這件事情是不是可以請複稅署可以基於職權應該從個案可以去做一些審核的方法跟方式\n\n09:43.508 --> 09:50.754\n否則我們當時去獵主扣除額這件事但目前其實大部分我們都知道人工升職的醫療院所目前在我們的申請裡面總共有12家裡面只有2家是可以免稅扣除額的\n\n10:00.282 --> 10:16.921\n那但是事實上目前其實人工升職的醫療院所非常非常多大家只會去想說哪一間評價比較好還有費用比較合理他根本不會知道說這間是不是在扣除額裡面等到他做完之後他這一看原來這一間他沒有申請扣除額\n\n10:18.550 --> 10:39.059\n所以這個事情我覺得賦稅署應該有不同的思考邏輯跟方式因為六萬塊對於一般年輕的夫婦他做人工生殖這件事情其實費用已經是非常的高所以署長我覺得這件事情應該從個案的部分去做一些思考\n\n10:40.317 --> 11:04.287\n委員我快速的回應你一下其實因為我們所需要的17條裡面明明規定是要公立還有健保特約醫院還有我們所謂財政部核定會計支付網隊醫院才可以列報所以要費扣除他的立法意志主要是因為如果他沒有核實去申報收入他開出來收據如果一般的我們講的就診者那個署長\n\n11:05.527 --> 11:34.286\n所有的醫療院所它都是合法合規的醫療院所我們現在做人工生殖沒有什麼地下的不合法不合規只是說我們我們現在就是說要列舉扣除這些醫療院所目前就只有兩家是可以扣除事實上在台灣有這麼多家都有在做人工生殖我們都希望我們這個政策我們這個列舉扣除人工生殖的補助可以列舉扣除是可以照顧所有\n\n11:35.126 --> 11:52.004\n年輕的夫妻他有這個需求否則我們就跟鼓勵生育這件事情政府的政策是互相違背的所以我才請你再去進一步再去思考這個政策有沒有必要再去進一步的做調整因為這跟大法官的解釋事實上是互相違背的\n\n11:52.424 --> 12:08.973\n我希望你去看一下大法官的解釋有我跟委員報告其實我們現在有一直密切跟衛福部那邊去合作然後我們現在的方向我們最近才剛修正一個認定要點就是鼓勵我們所謂的醫療院所來申請像\n\n12:11.856 --> 12:35.618\n醫療院所根本不會去管可不可以抵扣他只要去管他的醫療專業做不做得好這件事情我講的你理解道理所以你看一下大法官的解釋其實是對於給付其他合法醫療院所的醫療費用不得列舉扣除這件事情其實跟憲法第七條平等原則的意旨是不符合的\n\n12:36.118 --> 12:54.876\n所以我才請你再去回頭去看一下我們這個政策推出的時候跟大法官的解釋是互相違背我再次強調醫療院所做人工生殖這件事情他不會去管我的病人病患他可不可以列舉扣除而醫院關心的是我的醫療會不會做得好價格是不是一個合理我要訂一個什麼樣的價格\n\n12:59.600 --> 13:25.753\n但是這整件事情跟政府其實希望鼓勵人工生殖真的鼓勵政府是可以鼓勵人工生殖我們政府也希望有一些補助所以我們的做法其實應該再進一步做調整我們現在會努力去讓我們的醫療院所能夠了解我們現在的規定然後願意來而且我們會有鼓勵的措施我們已經到初級了對對對那署長我不占用別的委員的時間\n\n13:27.654 --> 13:50.797\n主動出擊去處理這件事情不要把政府的美意打對折有有有我們都有處理謝謝謝謝委員是謝謝燕秀我想在這裡跟副社長做一個結議希望就是因應少子化那這個人工生殖法你有一個比較具體的方式兩個禮拜提出來給我們委員會好不好\n\n","segments":[{"start":2.47,"end":17.395,"text":"主委剛聽到你回答李昆城委員其實因為這半年大環境的變化我確實認為這個是需要給一些彈性因為整個大環境的變化不是我們預料的到確實是需要一些滾動式的調整這個我也支持你的做法"},{"start":17.995,"end":42.328,"text":"主委因為我今天時間有限我有好幾個議題要問其他的部會所以請您檢答就好主委我最近關心到金管會這邊制定一個新規就是受險持有單一檔次被動式ETF持股的上限只能到30%那既有的超限的部分只能出不能進從媒體上我看到新聞上是說5月底"},{"start":42.788,"end":69.974,"text":"要上路那這個部分到底但我又聽到另外一個說法韓式是說六月中要上路我們到底具體的時間點要什麼時候要開始實施包委員我想具體我請王局長跟你簡單回答一下好你再簡答就好了因為我想大家都想知道這個具體的時間點我們應該是在六月份會發布韓式六月份發布韓式然後後面要做什麼樣的有給什麼樣彈性的時間嗎"},{"start":71.622,"end":90.223,"text":"已經超過那個30%的部分我們就是讓他不再新增不再新增部位再新增部位不要再新增部位維持現有的一個好那可不可以回應我就是目前有幾家售銜公司擁有單一的ETF超過30%的持股哪幾間是在市井邊緣"},{"start":97.915,"end":114.588,"text":"我們事後再給委員資訊因為這個我要掌握一下不好意思那我就要請問主委因為新規一上路會不會反向的促使更多投信推出更多相同的追蹤標的物同質性的ETF"},{"start":115.589,"end":136.087,"text":"因為它都是追的我們的台灣的50的指數嘛它都是追蹤相關的標的指數那其實這個部分譬如說像006208還有0050其實都是追蹤類似的台灣50的指數所以我們這樣的限制有沒有意義"},{"start":138.049,"end":153.35,"text":"應該這樣講 就是說我們過去在保險法146之一系列的投資規定裡面分散避免集中都是它一項我們對投資規範的概念因為過去有很多它特殊的原因所以很多的黨是高度集中"},{"start":153.931,"end":174.622,"text":"所以我支持你的做法我現在只是提醒你他們有類似追蹤的指數我們這樣分散有沒有意義這個跟我們政經局另外的政策一樣他們在審核這些基金的時候我們也要避免雷同你以後會有其他的做法其他我們在ETF也會做這樣的一個管理"},{"start":175.462,"end":202.775,"text":"什麼時候整套的管理會出來不是 這本來我們在ETF的時候本來就管理就是避免他們就是大家對 所以我才提說其實有好幾個不同黨其實都是類似最終同樣的標的嘛所以你這樣限制百分之三十有沒有意義這個是我要提醒主委的地方對 謝謝他不能集中在A他可能集中就是分散兩個類似的就是A B他都有可是我們這樣的限制有沒有意義這是我要提醒你的地方"},{"start":203.035,"end":228.724,"text":"第一個我們也考慮過因為保險公司市場的監理我們實際上基於大家一個很重要你理解我監理官的想法所以你真的要走這個東西所以你要其他的工具跟手段你才有辦法去達到你今天韓式的目的出來嘛對不對我只是提醒我沒有看到你其他的韓式的你有沒有其他的做法我還沒有看到所以今天我透過這個質詢來提醒主委"},{"start":229.244,"end":253.96,"text":"第二個也是我長期關注的我希望我有答案啦我希望後續你可以提供我答案那第二個就是我們防詐的量能齁其實從防詐的儀表板裡面我看到從二月份開始我們財損是60億然後三月份是70億四月份是76億就是說詐騙的案件仍舊是層出不窮喔那所以我們看到金管會去年曾經也要求我們銀行都要設打詐的專責的主管"},{"start":257.662,"end":274.514,"text":"之前同樣的議題我問過財政部我說我們打仗的專責的主管到底是兼任還是應該專任那目前我看到我們的公股其實都是兼任兼任其實沒有辦法達到主要的目的為什麼因為他都有其他主要的業務"},{"start":275.094,"end":294.579,"text":"都會先把他主要業務做好他不可能主要去做打賬所以這個是兼任跟專任最主要的差別所以我要請問金管會你手邊到底有沒有盤點所有的公股跟民間所有的銀行我們到底有多少是兼任多少是專任"},{"start":297,"end":322.953,"text":"我們有什麼具體的做法 希望他是專任專任比兼任好嘛 你同意我的說法對不對 主委當然 所有事情如果專職專職才能把事情做好嘛對 但是我們現在第一個先要求他們一定要有這個專職而不是專職 比如說要有這個來負責任的高階主管那以前可能沒有 那我們現在有剛剛委員講的是 這個人只做這件事情"},{"start":324.133,"end":343.858,"text":"主任我覺得因為近期我們看到銀行行員涉詐騙案越來越多這也顯示出內控失靈的狀況雖然部長今天回應我說其實有一些是他們在內部內控的機制他們自己已經警覺發聲但是如果在事前更前端他們內部有更多"},{"start":344.958,"end":370.769,"text":"不同道的警示機制說不定這些平常的標準SOP他們制定的更嚴謹說不定這些事情根本連發生的機會都沒有而不需要內控機制去察覺因為最近我們看到內控機制失靈其實是頻繁度是越來越高這個是我期望我覺得主委我們未來在盤點內部機制的時候我覺得我們應該要去處理的地方那最後一個就是"},{"start":371.949,"end":379.916,"text":"主委我要提醒一下就是說我們目前打詐的專法防制條例在去年的7月31號公佈實施那無論是從投資的詐騙網路的詐騙還有包括學生網購其實都非常的頻繁那"},{"start":388.924,"end":402.397,"text":"我提出一個建議我覺得我們現在國人對於金融的教育的部分比照國際比如說比照美國跟日本他們在高中生他們就推動金融教育課程的義務化的課程"},{"start":404.099,"end":422.211,"text":"就是說哪些無論是我們一般的民眾我覺得如果可以從學校教育對於金融的部分金融教育的義務化如果我們可以提早去做一些鋪陳我覺得對於國人金融教育也好或打詐這一個部分的資訊我覺得會更嚴謹"},{"start":423.812,"end":440.179,"text":"所以我今天提出這個質詢我希望我們可以有一個專案可以跟教育部來去做溝通未來如何從高中的課程如何從金融教育國際金融教育的部分我們可以開始去做深耕的做法可不可以"},{"start":441.175,"end":457.193,"text":"我想這個方向我們是支持一定支持因為我們即便沒有再變成課程化我們現在走入校園都是我們持續在辦的活動但是我希望有具體的做法我希望可以在三個月之內這個我提議看如何去回應我好不好主委你請回時間先暫停我可不可以請複稅署"},{"start":462.604,"end":480.865,"text":"時間一直在走 署長我不要佔用太多時間因為我這個個案可能影響到很多人我們現在不印證的部分事實上在財政部是可以列為扣除額的不印證的補助可以列為扣除額"},{"start":481.906,"end":507.157,"text":"那我這邊有一個個案就是他原本以為他做不孕症的治療那可以退稅但是後來被繳納六萬塊的稅款那醫療扣除額的部分應該跟生育政策是輔助是相輔相成那我這邊看到的是你複稅署回應說他必須這些醫療院所必須事前申請財政部的認可會計的合格才可以"},{"start":507.637,"end":532.146,"text":"我覺得這跟大法官的解釋是有衝突的因為一般民眾他去做生意的補助我們國人現在都希望真的不印證我們鼓勵他去做這件事情他都會考量第一他費用的價格跟院所的評價還有他有沒有補助但國健署是不是有補助這件事情其實是非常明確的但是至於這個醫療院所有沒有在我們複稅署裡面"},{"start":534.432,"end":554.982,"text":"申請它是可以列為扣除的這件事情通常國人都不知道我們通常只知道我現在如果有需要我不印證我去做這件事情我最後是有機會不是有機會是我一定可以列為扣除的但是我覺得我們現在的做法事實上是跟大法官的解釋是互相違背的"},{"start":556.462,"end":582.548,"text":"必須醫療院所有去申請他才可以抵扣扣除我覺得這件事情跟我們現在鼓勵生育補助鼓勵大家如果真的不孕症的話我覺得這件事情是互相違背的所以這件事情是不是可以請複稅署可以基於職權應該從個案可以去做一些審核的方法跟方式"},{"start":583.508,"end":590.754,"text":"否則我們當時去獵主扣除額這件事但目前其實大部分我們都知道人工升職的醫療院所目前在我們的申請裡面總共有12家裡面只有2家是可以免稅扣除額的"},{"start":600.282,"end":616.921,"text":"那但是事實上目前其實人工升職的醫療院所非常非常多大家只會去想說哪一間評價比較好還有費用比較合理他根本不會知道說這間是不是在扣除額裡面等到他做完之後他這一看原來這一間他沒有申請扣除額"},{"start":618.55,"end":639.059,"text":"所以這個事情我覺得賦稅署應該有不同的思考邏輯跟方式因為六萬塊對於一般年輕的夫婦他做人工生殖這件事情其實費用已經是非常的高所以署長我覺得這件事情應該從個案的部分去做一些思考"},{"start":640.317,"end":664.287,"text":"委員我快速的回應你一下其實因為我們所需要的17條裡面明明規定是要公立還有健保特約醫院還有我們所謂財政部核定會計支付網隊醫院才可以列報所以要費扣除他的立法意志主要是因為如果他沒有核實去申報收入他開出來收據如果一般的我們講的就診者那個署長"},{"start":665.527,"end":694.286,"text":"所有的醫療院所它都是合法合規的醫療院所我們現在做人工生殖沒有什麼地下的不合法不合規只是說我們我們現在就是說要列舉扣除這些醫療院所目前就只有兩家是可以扣除事實上在台灣有這麼多家都有在做人工生殖我們都希望我們這個政策我們這個列舉扣除人工生殖的補助可以列舉扣除是可以照顧所有"},{"start":695.126,"end":712.004,"text":"年輕的夫妻他有這個需求否則我們就跟鼓勵生育這件事情政府的政策是互相違背的所以我才請你再去進一步再去思考這個政策有沒有必要再去進一步的做調整因為這跟大法官的解釋事實上是互相違背的"},{"start":712.424,"end":728.973,"text":"我希望你去看一下大法官的解釋有 我跟委員報告其實我們現在有一直密切跟衛福部那邊去合作然後我們現在的方向我們最近才剛修正一個認定要點就是鼓勵我們所謂的醫療院所來申請像"},{"start":731.856,"end":755.618,"text":"醫療院所根本不會去管 可不可以抵扣他只要去管他的醫療專業做不做得好這件事情我講的你理解道理所以你看一下大法官的解釋其實是對於給付其他合法醫療院所的醫療費用不得列舉扣除這件事情其實跟憲法第七條平等原則的意旨是不符合的"},{"start":756.118,"end":774.876,"text":"所以我才請你再去回頭去看一下我們這個政策推出的時候跟大法官的解釋是互相違背我再次強調醫療院所做人工生殖這件事情他不會去管我的病人病患他可不可以列舉扣除而醫院關心的是我的醫療會不會做得好價格是不是一個合理我要訂一個什麼樣的價格"},{"start":779.6,"end":805.753,"text":"但是這整件事情跟政府其實希望鼓勵人工生殖真的鼓勵政府是可以鼓勵人工生殖我們政府也希望有一些補助所以我們的做法其實應該再進一步做調整我們現在會努力去讓我們的醫療院所能夠了解我們現在的規定然後願意來而且我們會有鼓勵的措施我們已經到初級了對 對 對那署長我不占用別的委員的時間"},{"start":807.654,"end":830.797,"text":"主動出擊去處理這件事情不要把政府的美意打對折有有有 我們都有處理謝謝謝謝委員是 謝謝燕秀我想在這裡跟副社長做一個結議希望就是因應少子化那這個人工生殖法你有一個比較具體的方式兩個禮拜提出來給我們委員會好不好"}]}}},"gazette":{"lineno":796,"blocks":[["李委員彥秀：（11時49分）謝謝主席，是不是請主委？"],["主席：請彭主委。"],["彭主任委員金隆：委員好。"],["李委員彥秀：主委，剛剛聽到你對李坤城委員的回答，這半年大環境的變化，本席認為確實需要給一些彈性，因為整個大環境的變化不是我們預料得到的，確實需要一些滾動式的調整，這個部分本席也支持你的做法。主委，因為本席今天的時間有限，還有好幾個議題要問其他部會，所以請你簡答就好。"],["彭主任委員金隆：是。"],["李委員彥秀：主委，最近金管會有制定一個新規，就是壽險持有單一檔被動式ETF，持股上限只能到30%，既有超限部分只能出、不能進，媒體新聞是說5月底要上路。但是本席又聽到另外一個說法，函釋是說6月中要上路，到底是什麼時候開始實施？"],["彭主任委員金隆：具體時間請王局長簡單回答一下。"],["李委員彥秀：好，你只要簡答就好了，因為大家都想知道具體的時間點。"],["王局長麗惠：我們應該是6月份會發布函釋，現在還在開會中。"],["李委員彥秀：6月份發布函釋，之後會給彈性的時間嗎？"],["王局長麗惠：已經超過30%的部分就不再新增部位，維持現有的比率。"],["李委員彥秀：你可不可以回應本席，目前有幾家壽險公司持有單一ETF超過30%的持股？哪幾間是在示警邊緣？"],["王局長麗惠：我們事後再給委員資訊，因為這個部分我還要掌握一下，不好意思。"],["李委員彥秀：好。請問主委，新規一上路，會不會反向促使投信推出更多相同的追蹤標的物、同值性的ETF？有沒有可能？"],["彭主任委員金隆：實際上在保險……"],["李委員彥秀：因為它都是追臺灣50的指數嘛！對不對？"],["彭主任委員金隆：我知道，沒錯。"],["李委員彥秀：它都是追蹤相關的標的指數，例如006208、0050，其實都是追蹤類似的臺灣50指數，所以這樣的限制有沒有意義？"],["彭主任委員金隆：應該這麼說，我們過去在保險法第一百四十六條之一系列的投資規定，分散、避免集中都是我們對投資規範的概念。因為過去有很多特殊原因，很多檔是高度集中，所以我們現在……"],["李委員彥秀：主委，本席支持你的做法，本席現在只是提醒你，因為有類似的追蹤指數，所以這樣分散有沒有意義？"],["彭主任委員金隆：我知道。這和證期局另外的政策一樣，他們在審核這些基金的時候也要避免雷同，這部分我們也會做。"],["李委員彥秀：你們以後會有其他的做法？"],["彭主任委員金隆：我們針對ETF也會做這樣的管理啦！"],["李委員彥秀：什麼時候會提出整套的管理方法？"],["彭主任委員金隆：我們管理ETF的時候，本來就會這麼做，避免大家……"],["李委員彥秀：對。所以本席才會提出來，其實好幾檔都是類似的，都是追蹤同樣的標的，所以你們限制30%有沒有意義？這是本席要提醒主委的地方。"],["彭主任委員金隆：對，謝謝。"],["李委員彥秀：它不能集中在A，可能就會分散在兩個類似的，就是A、B都有，所以這樣的限制有沒有意義？這是本席要提醒你的地方。"],["彭主任委員金隆：第一個，這個我們也考慮過，因為對保險公司市場的監理，我們是基於一個很重要的概念，就是你要理解監理官的想法，如果你真的要這樣做的話，我們就會……"],["李委員彥秀：所以你們要有其他的工具和手段，才有辦法達到函釋的目的嘛！對不對？本席只是提醒，因為本席還沒有看到你們是否有其他做法，所以今天透過質詢提醒主委。"],["彭主任委員金隆：好的。"],["李委員彥秀：第二個，這也是本席長期關注的，本席希望後續你可以提供答案，就是我們防詐的量能，其實從防詐儀表板可以看到，2月份財損是60億元，3月份是70億元，4月份是76億元，詐騙案件仍舊層出不窮，所以金管會去年也曾經要求銀行都要設打詐的專責主管。"],["彭主任委員金隆：對。"],["李委員彥秀：之前同樣的議題，本席問過財政部，打詐的專責主管到底是兼任還是應該專任？目前公股其實都是兼任。但兼任沒有辦法達到主要的目的，為什麼？因為他有其他的業務，他會先把主要業務做好，不可能主要做打詐這件事，這是兼任和專任最主要的差別。所以本席要請問金管會，你們有沒有盤點所有的公股和民間銀行，到底有多少是兼任？多少是專任？有什麼具體做法希望他是專任？因為專任總比兼任好吧！主委，你同意本席的說法，對不對？"],["彭主任委員金隆：當然。所有的事情如果有專職是最好的，但是因為……"],["李委員彥秀：專職才能把事情做好嘛！"],["彭主任委員金隆：對。我們現在第一個是先要求他們要有負責的高階主管，這是一定要做的，以前可能沒有，但是我們現在有做這樣的要求。剛才委員說的是這個人只做這件事情，類似……"],["李委員彥秀：主委，因為近期銀行行員涉詐騙案越來越多，這也顯示內控失靈的狀況。雖然部長前幾天回應本席是說，其實有一些是他們的內控機制發現的，是他們自己警覺發生。但是如果在事前，就是在更前端，他們內部有更多的警示機制或是平常的SOP制訂得更嚴謹，說不定這些事情根本連發生的機會都沒有，不需要依靠內控機制察覺。"],["彭主任委員金隆：對，這是我們希望的理想狀況。"],["李委員彥秀：因為最近我們看到內控機制失靈的頻繁度越來越高。這是本席的期望，主委，未來盤點內部機制的時候，這是我們應該要處理的地方。最後本席要提醒主委一下，打詐防制條例專法在去年7月31日公布實施，無論是投資詐騙、網路詐騙，包括學生網購被詐騙，其實都非常頻繁。本席提一個建議，本席覺得現在國人的金融教育，比照國際，例如美國和日本，他們對高中生就推動金融教育的課程，包括一般的民眾。本席覺得如果可以從學校教育做起，讓金融教育義務化，如果我們可以提早做一些鋪陳，對國人的金融教育也好或是打詐這個部分的資訊宣傳，本席覺得這樣會更嚴謹。所以本席今天提出質詢，希望可以提出一個專案和教育部溝通，未來如何從高中的課程做起、從金融教育、國際金融教育等部分開始深耕，可不可以？"],["彭主任委員金隆：這個方向我們一定支持。即便沒有課程化，走入校園也是我們持續在辦的活動。"],["李委員彥秀：好，謝謝主委，但是本席希望有具體的做法。本席希望可以在三個月之內，針對這個提議回應，好不好？主委請回。"],["彭主任委員金隆：好，謝謝。"],["李委員彥秀：時間先暫停。可不可以請賦稅署？時間一直在走。署長，本席不要占用太多時間，但本席要提的這個個案可能會影響到很多人。現在針對不孕症，財政部的規定是不孕症的醫療費可以列為扣除額，本席這邊有一個個案，他原本以為做不孕症的治療可以列舉醫療費扣除額，之後可以退稅，但是後來卻需繳納6萬元稅款。","醫療扣除額的部分應該和生育政策相輔相成，但本席看到的是，賦稅署回應這些醫療院所必須事前申請，或經財政部認可會計紀錄完備才可以，本席覺得這和大法官的解釋是有衝突的。因為一般民眾可以申請生育補助，如果真的是不孕症，而且我們也鼓勵他去做這件事情，這時候他們都會考量費用和院所評價，還有是否有補助，但國健署是不是有補助做這件事情？這是非常明確的，至於這個醫療院所有沒有向賦稅署申請可以列扣除額？通常國人都不知道，我們只知道現在如果因為不孕症而去做這件事情，最後一定可以列扣除額，但是現在的做法和大法官的解釋互相違背，醫療院所必須先去申請，民眾才可以列舉扣除額。本席覺得這件事情和我們現在鼓勵生育是互相違背的，如果真的有不孕症的話。所以是不是可以請賦稅署基於職權依個案審核？否則我們當時規定可以列舉扣除額，但是目前申請的狀況是，14家人工生殖醫療院所，只有2家可以列舉免稅扣除額。事實上目前做人工生殖的醫療院所非常多，大家只會思考哪一間評價比較好、費用比較合理，他根本不知道這間是否可以列舉扣除額，等他做完療程之後，才發現這一間並沒有申請。","針對這個事情，本席覺得賦稅署應該要有不同的思考邏輯和方式，因為對一般的年輕夫婦來說，他們做人工生殖的費用非常高，所以署長，本席覺得這件事情應該就個案思考。"],["宋署長秀玲：委員，我快速回應一下。因為第十七條明文規定要公立、健保特約醫院，還有財政部核定會計紀錄完備的醫院才可以列報醫藥費扣除。它有它的立法意旨，主要是因為如果醫療院所沒有核實申報收入，它開出來的收據，如果一般的就診者可以報費用……"],["李委員彥秀：署長，所有的醫療院所都是合法、合規的，現在做人工生殖的，沒有所謂地下、不合法、不合規的。只是現在要列舉扣除額，目前只有兩家可以扣除，事實上臺灣有很多家都有在做人工生殖。我們都希望人工生殖可以列舉扣除額，因為這樣可以照顧所有有需求的年輕夫妻，否則就和鼓勵生育的政府政策互相違背。所以本席才請你再進一步思考，這個政策有沒有必要做進一步的調整，因為這和大法官解釋互相違背，本席希望你去看一下大法官的解釋。"],["宋署長秀玲：有。其實我們現在有密切和衛福部合作，最近才剛修正一個認定要點，鼓勵所有醫療院所向財政部申請。"],["李委員彥秀：你們要主動，因為醫療院所根本不會管個別年輕夫妻可不可以抵扣，他們只會在意他們的醫療專業是否能做好這件事情。"],["宋署長秀玲：我們現在會輔導，是。"],["李委員彥秀：你也理解本席所說的。所以請你看一下大法官的解釋，對於給付其他合法醫療院所的醫療費用，不得列舉扣除額這件事情，和憲法第七條平等原則的意旨是不符的，所以本席才請你再回頭去看一下，因為這個政策和大法官的解釋互相違背。"],["宋署長秀玲：有的。"],["李委員彥秀：本席再次強調，醫療院所做人工生殖這件事情，它不會去管病患可不可以列舉扣除，醫院關心的是自己的醫療行為會不會做好、價格是不是合理？要訂什麼樣的價格？但是政府鼓勵不孕症夫妻做人工生殖，也會給予一些補助，所以我們的做法應該再進一步調整，這是本席必須提醒你們的。"],["宋署長秀玲：是，了解。我們會努力讓醫療院所了解現在的規定，而且會有鼓勵的措施，我們會讓……"],["李委員彥秀：你們要主動出擊啦！"],["宋署長秀玲：對。"],["李委員彥秀：署長，本席不占用別的委員時間，請你們主動出擊處理這件事情，不要讓政府的美意打對折，好不好？"],["宋署長秀玲：有，我們都有處理。"],["李委員彥秀：謝謝。"],["宋署長秀玲：謝謝委員。"],["主席（賴委員惠員）：謝謝彥秀。本席針對賦稅署的部分做一個結議，因應少子化，針對人工生殖的醫藥費扣除，你們要提出比較具體的方式，兩個禮拜內提出來給委員會，好不好？"],["宋署長秀玲：好。"],["主席：謝謝。","接著請陳玉珍委員質詢。"]],"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"}}}