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{\"word\": \"能\", \"start\": 145.627, \"end\": 146.248, \"score\": 0.76}, {\"word\": \"夠\"}, {\"word\": \"來\"}, {\"word\": \"去\", \"start\": 146.248, \"end\": 146.668, \"score\": 0.71}, {\"word\": \"納\"}, {\"word\": \"保\", \"start\": 146.668, \"end\": 146.988, \"score\": 0.724}, {\"word\": \"那\", \"start\": 146.988, \"end\": 147.148, \"score\": 0.628}, {\"word\": \"保\", \"start\": 147.148, \"end\": 147.268, \"score\": 0.731}, {\"word\": \"障\", \"start\": 147.268, \"end\": 147.368, \"score\": 0.476}, {\"word\": \"比\", \"start\": 147.368, \"end\": 147.588, \"score\": 0.608}, {\"word\": \"較\"}, {\"word\": \"不\", \"start\": 147.588, \"end\": 147.729, \"score\": 0.652}, {\"word\": \"足\", \"start\": 147.729, \"end\": 147.829, \"score\": 0.639}, {\"word\": \"的\", \"start\": 147.829, \"end\": 147.909, \"score\": 0.973}, {\"word\": \"也\", \"start\": 147.909, \"end\": 148.009, \"score\": 0.544}, {\"word\": \"可\", \"start\": 148.009, \"end\": 148.109, \"score\": 0.671}, {\"word\": \"以\", 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00:00:36,352\n你好我們請部長陳部長部長好部長我有看貴部的書面報告其中農業保險的覆蓋率到今年的4月底已經達到了53.72%離賠的金額已經超過60億我覺得是一個很大的進展可是\n\n2\n00:00:37,513 --> 00:00:57,043\n這個地方我想要請教部長我們知道超過五成的覆蓋率中它政策性引導的水稻水稻的保險它是佔相當大的比例那也就是說很多種植多元作物的農民那可能還在觀望他想要尋找一個更適合他們的好商品他們經營類型的好商品\n\n3\n00:00:57,603 --> 00:01:13,224\n所以我想請教部長部長你裡面有提到說持續進行開發開發保單來去符合農民的需求這個部分那除了現行的單一品項有沒有可能涉及更多樣化經營的這個農民的保險商品\n\n4\n00:01:14,540 --> 00:01:42,267\n我跟委員說明就是說我們現在如果扣掉政策性的保險我們的覆蓋率大概20.7那20.7裡面如果看品項的部分的話你會發現說漁產品的部分特別低才2.7而已然後有的作物是非常低所以我們現在會針對這些過往的投保有保單但是投保的件數非常低的我們拉出來重新去檢討到底那張保單為什麼不受歡迎\n\n5\n00:01:43,387 --> 00:01:59,133\n這個部分我想我們會檢討然後第二個部分就是新的就是我們也發現說有一些農民需要一些新的保單那這個部分我想我們也會來開發但是開發有一個前提就是他的過往的這些風險有沒有災損的資訊要夠才能夠開發所以我想我們會持續來精進謝謝部長\n\n6\n00:02:04,375 --> 00:02:29,470\n那部長我之所以問這個問題是因為我們有很多種植多樣化這個作物的青農跟我們反映就是說它不是種一個而已啦它是種番茄啦鳳梨啦等等這種種的不同對綜合的可是現在的保單他們的反應是說只能夠覆蓋到單一作物所以他是希望說可不可以開發更多元的這種保單讓這些青農有機會能夠來去納保那保障比較不足的也可以提高他們的投保的意願\n\n7\n00:02:30,350 --> 00:02:45,626\n那這個部分不知道部長有沒有什麼看法因為有一種保單的方式就是按照他們整個農場的總收入來去未來可以去調節作物的種類來去應對市場的變化你們覺得這可行嗎部長你怎麼看不過我想中和的農場裡面\n\n8\n00:02:47,808 --> 00:02:59,215\n我已經聽過很多農民在跟我講我覺得那個可以設計但是用總收入的概念的時候因為我們現在的農民缺乏收入的依據啦對沒錯你說稻穗的資料都沒有的時候你就很難去計算\n\n9\n00:03:03,817 --> 00:03:27,523\n所以我想我們初步也許會針對同一個地區它種的比例是多少我們有一個機制是可以用中二的方式來處理這樣我們會有益處其實部長這個我在質詢你之前我其實就已經在跟民間部來討論看有什麼樣的更好的方式所以這個不是做不到因為就是說要怎麼設計因為其實像美國日本他們還有歐盟都有這個農場總收入保險的制度所以說\n\n10\n00:03:28,763 --> 00:03:45,406\n第一線農民的期盼那也有國際的範例所以我們就可以來想方法是看怎麼樣去設計那剛才其實部長你提到的其實我蠻理解的因為就沒有這個相關的報稅資料你怎麼去做一個統計怎麼去做換算那怎麼樣才可以設計出好的保險嘛但是\n\n11\n00:03:46,387 --> 00:04:04,563\n這個是挑戰但不見得不一定啦不一定一定要完全來依賴這一個報稅的資料就是我們過去農損的時候也常常講到一件事就是看你像地區的平均產量啊或者是市場公開拍賣的均價等等的有沒有可能用這些其他種類的公開數據來建立這個計算的模型\n\n12\n00:04:05,755 --> 00:04:24,113\n我想這個部分我可以請我們的同仁獵人專案去研究啦因為中和農場跟個別的產量它本身的比較一定要有個加權就這樣做所以這個請他們先做評估因為我也沒有說有預設立場說你就用這個平均產量還是用市產公開拍賣就沒有了\n\n13\n00:04:25,053 --> 00:04:40,707\n這還是希望農業部我們可以來請他們來評估對對對這相關的咱去研究一下怎麼樣才能夠把這個多樣化的這種保單類型來做出來因為現在青農不是只做單一作物嘛那他們有各種不同的看法想法那我覺得是可以試試看的\n\n14\n00:04:41,368 --> 00:05:09,992\n那部長我也拜讀了就是關於這個保費輔助裡面的報告裡面我當然理解說在有限的我們還是財政資源不是無限不是我們想怎麼樣就可以怎麼樣那確保說輔助的效益那還要避免我們道德的風險那但是如果與其就像剛才你提到我們在算嘛就哪一個最沒有沒有效益的把它剔除掉讓我們的未來的保單更有效益或者是說把這個與其把這個資源輔助分散在數十種的單一保單上\n\n15\n00:05:10,512 --> 00:05:33,052\n我認為把一部分的資源就剛剛講的來試辦一下我們剛才提到的多種類的這個農場走收入的保險我覺得是不是可以更我認為啦可以更優化預算的效益那對未來我們產業升級那是有幫助的好謝謝部長部長真的要研究一下這個我們地方很多農會都有在想這件事情我們一定會來積極來努力因為本身\n\n16\n00:05:34,233 --> 00:05:55,895\n補助的上限是一件事情但是如何更精進保單的效率讓農民願意來投保才是比較重要的我們必須要關切的這除了單一個別農民講這是很多農民又反映到農會然後農會再跟我們講所以我想這個是可以做的那農會這些再算他覺得說這個可能會增加投保的意願特別青農現在都回來了再麻煩一下好不好好謝謝\n\n","tsv":"start\tend\ttext\n11991\t36352\t你好 我們請部長陳部長部長好部長 我有看貴部的書面報告其中農業保險的覆蓋率到今年的4月底已經達到了53.72%離賠的金額已經超過60億我覺得是一個很大的進展可是\n37513\t57043\t這個地方我想要請教部長我們知道超過五成的覆蓋率中它政策性引導的水稻水稻的保險它是佔相當大的比例那也就是說很多種植多元作物的農民那可能還在觀望他想要尋找一個更適合他們的好商品他們經營類型的好商品\n57603\t73224\t所以我想請教部長部長你裡面有提到說持續進行開發開發保單來去符合農民的需求這個部分那除了現行的單一品項有沒有可能涉及更多樣化經營的這個農民的保險商品\n74540\t102267\t我跟委員說明就是說我們現在如果扣掉政策性的保險我們的覆蓋率大概20.7那20.7裡面如果看品項的部分的話你會發現說漁產品的部分特別低才2.7而已然後有的作物是非常低所以我們現在會針對這些過往的投保有保單但是投保的件數非常低的我們拉出來重新去檢討到底那張保單為什麼不受歡迎\n103387\t119133\t這個部分我想我們會檢討然後第二個部分就是新的就是我們也發現說有一些農民需要一些新的保單那這個部分我想我們也會來開發但是開發有一個前提就是他的過往的這些風險有沒有災損的資訊要夠才能夠開發所以我想我們會持續來精進謝謝部長\n124375\t149470\t那部長我之所以問這個問題是因為我們有很多種植多樣化這個作物的青農跟我們反映就是說它不是種一個而已啦它是種番茄啦 鳳梨啦等等這種種的不同對 綜合的可是現在的保單他們的反應是說只能夠覆蓋到單一作物所以他是希望說可不可以開發更多元的這種保單讓這些青農有機會能夠來去納保那保障比較不足的也可以提高他們的投保的意願\n150350\t165626\t那這個部分不知道部長有沒有什麼看法因為有一種保單的方式就是按照他們整個農場的總收入來去未來可以去調節作物的種類來去應對市場的變化你們覺得這可行嗎 部長你怎麼看不過我想中和的農場裡面\n167808\t179215\t我已經聽過很多農民在跟我講我覺得那個可以設計但是用總收入的概念的時候因為我們現在的農民缺乏收入的依據啦對沒錯 你說稻穗的資料都沒有的時候你就很難去計算\n183817\t207523\t所以我想我們初步也許會針對同一個地區它種的比例是多少我們有一個機制是可以用中二的方式來處理這樣我們會有益處其實部長這個我在質詢你之前我其實就已經在跟民間部來討論看有什麼樣的更好的方式所以這個不是做不到因為就是說要怎麼設計因為其實像美國日本他們還有歐盟都有這個農場總收入保險的制度所以說\n208763\t225406\t第一線農民的期盼那也有國際的範例所以我們就可以來想方法是看怎麼樣去設計那剛才其實部長你提到的其實我蠻理解的因為就沒有這個相關的報稅資料你怎麼去做一個統計怎麼去做換算那怎麼樣才可以設計出好的保險嘛但是\n226387\t244563\t這個是挑戰但不見得不一定啦不一定一定要完全來依賴這一個報稅的資料就是我們過去農損的時候也常常講到一件事就是看你像地區的平均產量啊或者是市場公開拍賣的均價等等的有沒有可能用這些其他種類的公開數據來建立這個計算的模型\n245755\t264113\t我想這個部分我可以請我們的同仁獵人專案去研究啦因為中和農場跟個別的產量它本身的比較一定要有個加權就這樣做所以這個請他們先做評估因為我也沒有說有預設立場說你就用這個平均產量還是用市產公開拍賣就沒有了\n265053\t280707\t這還是希望農業部 我們可以來請他們來評估對對對 這相關的咱去研究一下怎麼樣才能夠把這個多樣化的這種保單類型來做出來因為現在青農不是只做單一作物嘛那他們有各種不同的看法想法那我覺得是可以試試看的\n281368\t309992\t那部長我也拜讀了就是關於這個保費輔助裡面的報告裡面我當然理解說在有限的我們還是財政資源不是無限不是我們想怎麼樣就可以怎麼樣那確保說輔助的效益那還要避免我們道德的風險那但是如果與其就像剛才你提到我們在算嘛就哪一個最沒有沒有效益的把它剔除掉讓我們的未來的保單更有效益或者是說把這個與其把這個資源輔助分散在數十種的單一保單上\n310512\t333052\t我認為把一部分的資源就剛剛講的來試辦一下我們剛才提到的多種類的這個農場走收入的保險我覺得是不是可以更我認為啦可以更優化預算的效益那對未來我們產業升級那是有幫助的好 謝謝部長部長真的要研究一下這個我們地方很多農會都有在想這件事情我們一定會來積極來努力因為本身\n334233\t355895\t補助的上限是一件事情但是如何更精進保單的效率讓農民願意來投保才是比較重要的我們必須要關切的這除了單一個別農民講這是很多農民又反映到農會然後農會再跟我們講所以我想這個是可以做的那農會這些再算他覺得說這個可能會增加投保的意願特別青農現在都回來了再麻煩一下好不好好 謝謝\n","txt":"你好 我們請部長陳部長部長好部長 我有看貴部的書面報告其中農業保險的覆蓋率到今年的4月底已經達到了53.72%離賠的金額已經超過60億我覺得是一個很大的進展可是\n這個地方我想要請教部長我們知道超過五成的覆蓋率中它政策性引導的水稻水稻的保險它是佔相當大的比例那也就是說很多種植多元作物的農民那可能還在觀望他想要尋找一個更適合他們的好商品他們經營類型的好商品\n所以我想請教部長部長你裡面有提到說持續進行開發開發保單來去符合農民的需求這個部分那除了現行的單一品項有沒有可能涉及更多樣化經營的這個農民的保險商品\n我跟委員說明就是說我們現在如果扣掉政策性的保險我們的覆蓋率大概20.7那20.7裡面如果看品項的部分的話你會發現說漁產品的部分特別低才2.7而已然後有的作物是非常低所以我們現在會針對這些過往的投保有保單但是投保的件數非常低的我們拉出來重新去檢討到底那張保單為什麼不受歡迎\n這個部分我想我們會檢討然後第二個部分就是新的就是我們也發現說有一些農民需要一些新的保單那這個部分我想我們也會來開發但是開發有一個前提就是他的過往的這些風險有沒有災損的資訊要夠才能夠開發所以我想我們會持續來精進謝謝部長\n那部長我之所以問這個問題是因為我們有很多種植多樣化這個作物的青農跟我們反映就是說它不是種一個而已啦它是種番茄啦 鳳梨啦等等這種種的不同對 綜合的可是現在的保單他們的反應是說只能夠覆蓋到單一作物所以他是希望說可不可以開發更多元的這種保單讓這些青農有機會能夠來去納保那保障比較不足的也可以提高他們的投保的意願\n那這個部分不知道部長有沒有什麼看法因為有一種保單的方式就是按照他們整個農場的總收入來去未來可以去調節作物的種類來去應對市場的變化你們覺得這可行嗎 部長你怎麼看不過我想中和的農場裡面\n我已經聽過很多農民在跟我講我覺得那個可以設計但是用總收入的概念的時候因為我們現在的農民缺乏收入的依據啦對沒錯 你說稻穗的資料都沒有的時候你就很難去計算\n所以我想我們初步也許會針對同一個地區它種的比例是多少我們有一個機制是可以用中二的方式來處理這樣我們會有益處其實部長這個我在質詢你之前我其實就已經在跟民間部來討論看有什麼樣的更好的方式所以這個不是做不到因為就是說要怎麼設計因為其實像美國日本他們還有歐盟都有這個農場總收入保險的制度所以說\n第一線農民的期盼那也有國際的範例所以我們就可以來想方法是看怎麼樣去設計那剛才其實部長你提到的其實我蠻理解的因為就沒有這個相關的報稅資料你怎麼去做一個統計怎麼去做換算那怎麼樣才可以設計出好的保險嘛但是\n這個是挑戰但不見得不一定啦不一定一定要完全來依賴這一個報稅的資料就是我們過去農損的時候也常常講到一件事就是看你像地區的平均產量啊或者是市場公開拍賣的均價等等的有沒有可能用這些其他種類的公開數據來建立這個計算的模型\n我想這個部分我可以請我們的同仁獵人專案去研究啦因為中和農場跟個別的產量它本身的比較一定要有個加權就這樣做所以這個請他們先做評估因為我也沒有說有預設立場說你就用這個平均產量還是用市產公開拍賣就沒有了\n這還是希望農業部 我們可以來請他們來評估對對對 這相關的咱去研究一下怎麼樣才能夠把這個多樣化的這種保單類型來做出來因為現在青農不是只做單一作物嘛那他們有各種不同的看法想法那我覺得是可以試試看的\n那部長我也拜讀了就是關於這個保費輔助裡面的報告裡面我當然理解說在有限的我們還是財政資源不是無限不是我們想怎麼樣就可以怎麼樣那確保說輔助的效益那還要避免我們道德的風險那但是如果與其就像剛才你提到我們在算嘛就哪一個最沒有沒有效益的把它剔除掉讓我們的未來的保單更有效益或者是說把這個與其把這個資源輔助分散在數十種的單一保單上\n我認為把一部分的資源就剛剛講的來試辦一下我們剛才提到的多種類的這個農場走收入的保險我覺得是不是可以更我認為啦可以更優化預算的效益那對未來我們產業升級那是有幫助的好 謝謝部長部長真的要研究一下這個我們地方很多農會都有在想這件事情我們一定會來積極來努力因為本身\n補助的上限是一件事情但是如何更精進保單的效率讓農民願意來投保才是比較重要的我們必須要關切的這除了單一個別農民講這是很多農民又反映到農會然後農會再跟我們講所以我想這個是可以做的那農會這些再算他覺得說這個可能會增加投保的意願特別青農現在都回來了再麻煩一下好不好好 謝謝\n","vtt":"WEBVTT\n\n00:11.991 --> 00:36.352\n你好我們請部長陳部長部長好部長我有看貴部的書面報告其中農業保險的覆蓋率到今年的4月底已經達到了53.72%離賠的金額已經超過60億我覺得是一個很大的進展可是\n\n00:37.513 --> 00:57.043\n這個地方我想要請教部長我們知道超過五成的覆蓋率中它政策性引導的水稻水稻的保險它是佔相當大的比例那也就是說很多種植多元作物的農民那可能還在觀望他想要尋找一個更適合他們的好商品他們經營類型的好商品\n\n00:57.603 --> 01:13.224\n所以我想請教部長部長你裡面有提到說持續進行開發開發保單來去符合農民的需求這個部分那除了現行的單一品項有沒有可能涉及更多樣化經營的這個農民的保險商品\n\n01:14.540 --> 01:42.267\n我跟委員說明就是說我們現在如果扣掉政策性的保險我們的覆蓋率大概20.7那20.7裡面如果看品項的部分的話你會發現說漁產品的部分特別低才2.7而已然後有的作物是非常低所以我們現在會針對這些過往的投保有保單但是投保的件數非常低的我們拉出來重新去檢討到底那張保單為什麼不受歡迎\n\n01:43.387 --> 01:59.133\n這個部分我想我們會檢討然後第二個部分就是新的就是我們也發現說有一些農民需要一些新的保單那這個部分我想我們也會來開發但是開發有一個前提就是他的過往的這些風險有沒有災損的資訊要夠才能夠開發所以我想我們會持續來精進謝謝部長\n\n02:04.375 --> 02:29.470\n那部長我之所以問這個問題是因為我們有很多種植多樣化這個作物的青農跟我們反映就是說它不是種一個而已啦它是種番茄啦鳳梨啦等等這種種的不同對綜合的可是現在的保單他們的反應是說只能夠覆蓋到單一作物所以他是希望說可不可以開發更多元的這種保單讓這些青農有機會能夠來去納保那保障比較不足的也可以提高他們的投保的意願\n\n02:30.350 --> 02:45.626\n那這個部分不知道部長有沒有什麼看法因為有一種保單的方式就是按照他們整個農場的總收入來去未來可以去調節作物的種類來去應對市場的變化你們覺得這可行嗎部長你怎麼看不過我想中和的農場裡面\n\n02:47.808 --> 02:59.215\n我已經聽過很多農民在跟我講我覺得那個可以設計但是用總收入的概念的時候因為我們現在的農民缺乏收入的依據啦對沒錯你說稻穗的資料都沒有的時候你就很難去計算\n\n03:03.817 --> 03:27.523\n所以我想我們初步也許會針對同一個地區它種的比例是多少我們有一個機制是可以用中二的方式來處理這樣我們會有益處其實部長這個我在質詢你之前我其實就已經在跟民間部來討論看有什麼樣的更好的方式所以這個不是做不到因為就是說要怎麼設計因為其實像美國日本他們還有歐盟都有這個農場總收入保險的制度所以說\n\n03:28.763 --> 03:45.406\n第一線農民的期盼那也有國際的範例所以我們就可以來想方法是看怎麼樣去設計那剛才其實部長你提到的其實我蠻理解的因為就沒有這個相關的報稅資料你怎麼去做一個統計怎麼去做換算那怎麼樣才可以設計出好的保險嘛但是\n\n03:46.387 --> 04:04.563\n這個是挑戰但不見得不一定啦不一定一定要完全來依賴這一個報稅的資料就是我們過去農損的時候也常常講到一件事就是看你像地區的平均產量啊或者是市場公開拍賣的均價等等的有沒有可能用這些其他種類的公開數據來建立這個計算的模型\n\n04:05.755 --> 04:24.113\n我想這個部分我可以請我們的同仁獵人專案去研究啦因為中和農場跟個別的產量它本身的比較一定要有個加權就這樣做所以這個請他們先做評估因為我也沒有說有預設立場說你就用這個平均產量還是用市產公開拍賣就沒有了\n\n04:25.053 --> 04:40.707\n這還是希望農業部我們可以來請他們來評估對對對這相關的咱去研究一下怎麼樣才能夠把這個多樣化的這種保單類型來做出來因為現在青農不是只做單一作物嘛那他們有各種不同的看法想法那我覺得是可以試試看的\n\n04:41.368 --> 05:09.992\n那部長我也拜讀了就是關於這個保費輔助裡面的報告裡面我當然理解說在有限的我們還是財政資源不是無限不是我們想怎麼樣就可以怎麼樣那確保說輔助的效益那還要避免我們道德的風險那但是如果與其就像剛才你提到我們在算嘛就哪一個最沒有沒有效益的把它剔除掉讓我們的未來的保單更有效益或者是說把這個與其把這個資源輔助分散在數十種的單一保單上\n\n05:10.512 --> 05:33.052\n我認為把一部分的資源就剛剛講的來試辦一下我們剛才提到的多種類的這個農場走收入的保險我覺得是不是可以更我認為啦可以更優化預算的效益那對未來我們產業升級那是有幫助的好謝謝部長部長真的要研究一下這個我們地方很多農會都有在想這件事情我們一定會來積極來努力因為本身\n\n05:34.233 --> 05:55.895\n補助的上限是一件事情但是如何更精進保單的效率讓農民願意來投保才是比較重要的我們必須要關切的這除了單一個別農民講這是很多農民又反映到農會然後農會再跟我們講所以我想這個是可以做的那農會這些再算他覺得說這個可能會增加投保的意願特別青農現在都回來了再麻煩一下好不好好謝謝\n\n","segments":[{"start":11.991,"end":36.352,"text":"你好 我們請部長陳部長部長好部長 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部長你怎麼看不過我想中和的農場裡面"},{"start":167.808,"end":179.215,"text":"我已經聽過很多農民在跟我講我覺得那個可以設計但是用總收入的概念的時候因為我們現在的農民缺乏收入的依據啦對沒錯 你說稻穗的資料都沒有的時候你就很難去計算"},{"start":183.817,"end":207.523,"text":"所以我想我們初步也許會針對同一個地區它種的比例是多少我們有一個機制是可以用中二的方式來處理這樣我們會有益處其實部長這個我在質詢你之前我其實就已經在跟民間部來討論看有什麼樣的更好的方式所以這個不是做不到因為就是說要怎麼設計因為其實像美國日本他們還有歐盟都有這個農場總收入保險的制度所以說"},{"start":208.763,"end":225.406,"text":"第一線農民的期盼那也有國際的範例所以我們就可以來想方法是看怎麼樣去設計那剛才其實部長你提到的其實我蠻理解的因為就沒有這個相關的報稅資料你怎麼去做一個統計怎麼去做換算那怎麼樣才可以設計出好的保險嘛但是"},{"start":226.387,"end":244.563,"text":"這個是挑戰但不見得不一定啦不一定一定要完全來依賴這一個報稅的資料就是我們過去農損的時候也常常講到一件事就是看你像地區的平均產量啊或者是市場公開拍賣的均價等等的有沒有可能用這些其他種類的公開數據來建立這個計算的模型"},{"start":245.755,"end":264.113,"text":"我想這個部分我可以請我們的同仁獵人專案去研究啦因為中和農場跟個別的產量它本身的比較一定要有個加權就這樣做所以這個請他們先做評估因為我也沒有說有預設立場說你就用這個平均產量還是用市產公開拍賣就沒有了"},{"start":265.053,"end":280.707,"text":"這還是希望農業部 我們可以來請他們來評估對對對 這相關的咱去研究一下怎麼樣才能夠把這個多樣化的這種保單類型來做出來因為現在青農不是只做單一作物嘛那他們有各種不同的看法想法那我覺得是可以試試看的"},{"start":281.368,"end":309.992,"text":"那部長我也拜讀了就是關於這個保費輔助裡面的報告裡面我當然理解說在有限的我們還是財政資源不是無限不是我們想怎麼樣就可以怎麼樣那確保說輔助的效益那還要避免我們道德的風險那但是如果與其就像剛才你提到我們在算嘛就哪一個最沒有沒有效益的把它剔除掉讓我們的未來的保單更有效益或者是說把這個與其把這個資源輔助分散在數十種的單一保單上"},{"start":310.512,"end":333.052,"text":"我認為把一部分的資源就剛剛講的來試辦一下我們剛才提到的多種類的這個農場走收入的保險我覺得是不是可以更我認為啦可以更優化預算的效益那對未來我們產業升級那是有幫助的好 謝謝部長部長真的要研究一下這個我們地方很多農會都有在想這件事情我們一定會來積極來努力因為本身"},{"start":334.233,"end":355.895,"text":"補助的上限是一件事情但是如何更精進保單的效率讓農民願意來投保才是比較重要的我們必須要關切的這除了單一個別農民講這是很多農民又反映到農會然後農會再跟我們講所以我想這個是可以做的那農會這些再算他覺得說這個可能會增加投保的意願特別青農現在都回來了再麻煩一下好不好好 謝謝"}]}}},"gazette":{"lineno":1222,"blocks":[["陳委員冠廷：（12時55分）我們請部長。"],["主席：請陳部長。"],["陳部長駿季：委員好。"],["陳委員冠廷：部長好。部長，我有看貴部的書面報告，其中農業保險的覆蓋率到今年4月底已經達到了53.72%，理賠金額已經超過60億，這個我覺得是一個很大的進展，可是這個地方我想要請教部長，你們知道超過五成的覆蓋率中，政策性引導的水稻農民保險占相當大的比例，也就是說，很多種植多元作物的農民可能還在觀望，想要尋找更適合他們經營類型的好商品，所以我想請教部長，你報告裡面有提到說持續精進開發保單來去符合農民的需求，除了現行的單一品項，有沒有可能設計更多樣化經營的農民保險商品？"],["陳部長駿季：我跟委員說明，我們現在如果扣掉政策性的保險，覆蓋率大概20.7%，20.7%裡面如果看品項的話，你會發現漁產品的部分特別低，才2.7%而已，然後有些作物是非常低，所以我們現在會針對這些過往的投保中，有保單但是投保的件數非常低的，我們拉出來重新檢討到底那張保單為什麼不受歡迎，這個部分我們會檢討。","第二個部分就是，我們也發現有一些農民需要一些新的保單，這個部分我們也會來開發，但是開發有個前提就是過往的風險災損資訊要夠，才能夠開發，所以我想我們會持續來精進。"],["陳委員冠廷：謝謝部長。部長，我之所以問這個問題，是因為我們有很多種植多樣化作物的青農，就是不只是種一種作物而已，而是種番茄、鳳梨等等各種不同的作物。"],["陳部長駿季：綜合的。"],["陳委員冠廷：對，綜合的，可是他們的反映是說，現在的保單只能夠覆蓋到單一作物，所以他們希望可以開發更多元的保單，讓這些青農有機會能夠來去納保，保障比較不足的，也可以提高他們投保的意願。針對這個部分，不知道部長有沒有什麼看法？有一種保單的方式，就是按照他們整個農場的總收入，未來可以去調節作物的種類，來去應對市場的變化，這個可行嗎？部長，你怎麼看？"],["陳部長駿季：我想，關於綜合的農場，我已經聽過很多農民跟我講，我覺得那個可以設計，但是用總收入的概念的時候，因為我們現在的農民缺乏收入的依據……"],["陳委員冠廷：對，沒錯，你說報稅的資料是不是？"],["陳部長駿季：銷售的、報稅的資料都沒有的時候，就很難去計算，所以我想我們初步也許會針對同一個地區種的比例是多少，我們有一個機制，是可以用綜合的方式來處理，我們會來研議。"],["陳委員冠廷：沒錯，部長，其實我在質詢你之前就已經在跟農業部討論，看看有什麼樣更好的方式，所以這個不是做不到，而是說要怎麼設計，因為其實像美國、日本和歐盟，都有農場總收入保險的制度，所以說，既有第一線農民的期盼，也有國際的範例，我們就可以來想方法，看怎麼樣去設計。剛才部長提到的，其實我滿理解的，因為就沒有相關的報稅資料，你怎麼去做統計，怎麼去做換算，怎麼樣才可以設計出好的保險？但是這個是挑戰，但不一定要完全依賴報稅的資料，就是我們過去農損的時候也常常講到一件事情，就是看地區的平均產量或市場公開拍賣的均價等等，有沒有可能用這些其他種類的公開數據來建立這個計算的模型？"],["陳部長駿季：我想這個部分我可以請我們的同仁列為專案去研究，因為綜合農場跟個別種類的農場在產量上做比較，一定要有一個加權去調整。"],["陳委員冠廷：沒錯，沒錯，沒錯。"],["陳部長駿季：所以這個請他們先做評估。"],["陳委員冠廷：因為我也沒有說有預設立場，說就用平均產量去計算，還是希望農業部……"],["陳部長駿季：是，我可以請他們來評估。"],["陳委員冠廷：對對對，相關的人員再去研究一下怎麼樣才能夠把多樣化的保單類型做出來，因為現在青農不是只種單一作物，他們有各種不同的看法、想法，我覺得是可以試試看的。"],["陳部長駿季：瞭解，是。"],["陳委員冠廷：部長，我也拜讀了報告裡面關於保費補助的部分，我當然理解說我們的財政資源不是無限的，不是我們想怎麼樣就可以怎麼樣，要確保補助的效益，還要避免道德的風險，就像剛才你提到的，我們在算，哪一個是最沒有效益的，就把它剔除掉，讓我們未來的保單更有效益，或者是說與其把資源補助分散在數十種單一保單上，我認為把一部分的資源就剛才所講的來試辦一下，我們剛才提到的多種類的農場總收入保險，我認為可以更優化預算的效益，對未來我們的產業升級是有幫助的。","謝謝部長，部長真的要研究一下，地方上很多農會都有在想這件事情。"],["陳部長駿季：我們一定會積極努力，因為本身補助的上限是一件事情，但是如何更精進保單的效率，讓農民願意來投保還是比較重要的，這是我們必須要關切的。"],["陳委員冠廷：不是單一個別農民這樣講，很多農民又反映到農會，然後農會再跟我們講，所以我想這個是可以做的，農會有在算這些，它覺得這可能會增加投保的意願，特別是青農現在都回來了，再麻煩部長，好不好？"],["陳部長駿季：好，謝謝。"],["主席：謝謝。","現在請李彥秀委員做詢答。"]],"agenda":{"page_end":140,"meet_id":"聯席會議-11-3-19,20-3","speakers":["謝衣鳯","邱議瑩","林德福","鄭正鈐","張啓楷","鄭天財Sra Kacaw","賴瑞隆","林岱樺","郭國文","陳亭妃","李坤城","張嘉郡","蔡易餘","陳超明","鍾佳濱","邱志偉","徐富癸","楊瓊瓔","陳冠廷","李彥秀","麥玉珍","黃珊珊","呂玉玲","林思銘","羅明才","徐欣瑩"],"page_start":63,"meetingDate":["2025-06-11"],"gazette_id":"1145901","agenda_lcidc_ids":["1145901_00003"],"meet_name":"立法院第11屆第3會期經濟、財政兩委員會第3次聯席會議紀錄","content":"審查：一、本院委員謝衣鳯等16人擬具「農業保險法第十條條文修正草案」案；二、本院委員邱\n若華等21人擬具「農業保險法第二條及第十條條文修正草案」案；三、本院台灣民眾黨黨團擬具\n「農業保險法第二條及第十條條文修正草案」案（詢答）","agenda_id":"1145901_00002"}}}