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00:01:39,932\n也就是應該要留下關財本給這些欠債的人不會因為這些保單被強制執行而讓他們生活陷於困頓第二點就是對於健康保險跟傷害險\n\n6\n00:01:42,634 --> 00:02:11,184\n也列入了不可扣押強制執行的範圍也讓我們一般的人民這些保單有一些基本的保障所以這樣的修法只是第一步我們未來還是要更加的關心所有的這些債務人他們到底經過修法之後能不能滿足他們的需要但是基本上至少這一步\n\n7\n00:02:13,929 --> 00:02:14,514\n修好下\n\n","tsv":"start\tend\ttext\n6277\t22750\t主席各位委員這是一個遲來的修法大家都知道那麼事實上呢從111年開始那麼很多的銀行跟債權公司開始做保單的強制執行\n23670\t37021\t事實上整個社會大亂包含在法院裡面大量的案件而我們所有的民意代表得到大量的投訴和陳情事實上行政院早就應該修法\n38522\t64698\t但是一直延宕在去年本席在財政委員會數度的質詢要求行政院盡快修法來解決這個亂象而且也應該解決所有這些債權人債務人的困擾那在這次修法裡面我個人認為有兩大重點第一個就是對於免於強制執行\n65658\t80037\t我們立法院把這個門檻從原來最低生活費1.2倍的三個月這是行政院版本立法院把它提高到六個月比較符合我們這些債權人債務人的一個需求\n83542\t99932\t也就是應該要留下關財本給這些欠債的人不會因為這些保單被強制執行而讓他們生活陷於困頓第二點就是對於健康保險跟傷害險\n102634\t131184\t也列入了不可扣押強制執行的範圍也讓我們一般的人民這些保單有一些基本的保障所以這樣的修法只是第一步我們未來還是要更加的關心所有的這些債務人他們到底經過修法之後能不能滿足他們的需要但是基本上至少這一步\n133929\t134514\t修好 下\n","txt":"主席各位委員這是一個遲來的修法大家都知道那麼事實上呢從111年開始那麼很多的銀行跟債權公司開始做保單的強制執行\n事實上整個社會大亂包含在法院裡面大量的案件而我們所有的民意代表得到大量的投訴和陳情事實上行政院早就應該修法\n但是一直延宕在去年本席在財政委員會數度的質詢要求行政院盡快修法來解決這個亂象而且也應該解決所有這些債權人債務人的困擾那在這次修法裡面我個人認為有兩大重點第一個就是對於免於強制執行\n我們立法院把這個門檻從原來最低生活費1.2倍的三個月這是行政院版本立法院把它提高到六個月比較符合我們這些債權人債務人的一個需求\n也就是應該要留下關財本給這些欠債的人不會因為這些保單被強制執行而讓他們生活陷於困頓第二點就是對於健康保險跟傷害險\n也列入了不可扣押強制執行的範圍也讓我們一般的人民這些保單有一些基本的保障所以這樣的修法只是第一步我們未來還是要更加的關心所有的這些債務人他們到底經過修法之後能不能滿足他們的需要但是基本上至少這一步\n修好 下\n","vtt":"WEBVTT\n\n00:06.277 --> 00:22.750\n主席各位委員這是一個遲來的修法大家都知道那麼事實上呢從111年開始那麼很多的銀行跟債權公司開始做保單的強制執行\n\n00:23.670 --> 00:37.021\n事實上整個社會大亂包含在法院裡面大量的案件而我們所有的民意代表得到大量的投訴和陳情事實上行政院早就應該修法\n\n00:38.522 --> 01:04.698\n但是一直延宕在去年本席在財政委員會數度的質詢要求行政院盡快修法來解決這個亂象而且也應該解決所有這些債權人債務人的困擾那在這次修法裡面我個人認為有兩大重點第一個就是對於免於強制執行\n\n01:05.658 --> 01:20.037\n我們立法院把這個門檻從原來最低生活費1.2倍的三個月這是行政院版本立法院把它提高到六個月比較符合我們這些債權人債務人的一個需求\n\n01:23.542 --> 01:39.932\n也就是應該要留下關財本給這些欠債的人不會因為這些保單被強制執行而讓他們生活陷於困頓第二點就是對於健康保險跟傷害險\n\n01:42.634 --> 02:11.184\n也列入了不可扣押強制執行的範圍也讓我們一般的人民這些保單有一些基本的保障所以這樣的修法只是第一步我們未來還是要更加的關心所有的這些債務人他們到底經過修法之後能不能滿足他們的需要但是基本上至少這一步\n\n02:13.929 --> 02:14.514\n修好下\n\n","segments":[{"start":6.277,"end":22.75,"text":"主席各位委員這是一個遲來的修法大家都知道那麼事實上呢從111年開始那麼很多的銀行跟債權公司開始做保單的強制執行"},{"start":23.67,"end":37.021,"text":"事實上整個社會大亂包含在法院裡面大量的案件而我們所有的民意代表得到大量的投訴和陳情事實上行政院早就應該修法"},{"start":38.522,"end":64.698,"text":"但是一直延宕在去年本席在財政委員會數度的質詢要求行政院盡快修法來解決這個亂象而且也應該解決所有這些債權人債務人的困擾那在這次修法裡面我個人認為有兩大重點第一個就是對於免於強制執行"},{"start":65.658,"end":80.037,"text":"我們立法院把這個門檻從原來最低生活費1.2倍的三個月這是行政院版本立法院把它提高到六個月比較符合我們這些債權人債務人的一個需求"},{"start":83.542,"end":99.932,"text":"也就是應該要留下關財本給這些欠債的人不會因為這些保單被強制執行而讓他們生活陷於困頓第二點就是對於健康保險跟傷害險"},{"start":102.634,"end":131.184,"text":"也列入了不可扣押強制執行的範圍也讓我們一般的人民這些保單有一些基本的保障所以這樣的修法只是第一步我們未來還是要更加的關心所有的這些債務人他們到底經過修法之後能不能滿足他們的需要但是基本上至少這一步"},{"start":133.929,"end":134.514,"text":"修好 下"}]}}},"gazette":{"lineno":66,"blocks":[["王委員鴻薇：（11時21分）主席、各位委員。這是一個遲來的修法，大家都知道，事實上從111年開始，很多的銀行跟債權公司開始做保單的強制執行，整個社會大亂，包含法院裡面出現了大量的案件，而我們所有的民意代表也得到大量的投訴和陳情。事實上，行政院早就應該修法，但是一直延宕。去年本席在財政委員會數度質詢，要求行政院儘快修法來解決這個亂象，而且也應該解決所有這些債權人、債務人的困擾。","在這次修法裡面，我個人認為有兩大重點：第一個就是對於免於強制執行的部分，立法院把這個門檻從原來最低生活費1.2倍乘以3個月的標準（行政院版本），提高到6個月，比較符合這些債權人、債務人的需求，也就是應該要留下棺材本給這些欠債的人，不會因為保單被強制執行而讓他們的生活陷於困頓。第二點就是對於健康保險跟傷害險，也列入了不可扣押、強制執行的範圍，讓一般人民的這些保單有一些基本保障。","所以這樣的修法只是第一步，我們未來還是要更加地關心所有這些債務人，到底經過修法之後，能不能滿足他們的需要，但是我們至少先行做第一步的修法。以上。"],["主席：謝謝王鴻薇委員發言。","接下來我們請賴惠員委員發言，羅廷瑋委員請準備。"]],"agenda":{"page_end":260,"meet_id":"院會-11-3-14","speakers":["韓國瑜","黃珊珊","鍾佳濱","王鴻薇","賴惠員","羅廷瑋","李坤城","賴士葆"],"page_start":18,"meetingDate":["2025-06-03"],"gazette_id":"1145301","agenda_lcidc_ids":["1145301_00002","1145301_00003","1145301_00004"],"meet_name":"立法院第11屆第3會期第14次會議紀錄","content":"討論事項\n保險法增訂第一百二十三條之一、第一百二十三條之二、第一百二十九條之一及第一百三十二條\n之一條文；刪除第一百六十八條之七條文；並修正第一百三十條、第一百四十八條之三、第一百\n六十七條之一及第一百七十一條之一條文─完成三讀─","agenda_id":"1145301_00003"}}}