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485.381, \"score\": 0.828}, {\"word\": \"資\"}, {\"word\": \"料\", \"start\": 485.381, \"end\": 485.461, \"score\": 0.748}, {\"word\": \"給\"}, {\"word\": \"本\", \"start\": 485.461, \"end\": 485.501, \"score\": 0.494}, {\"word\": \"席\", \"start\": 485.501, \"end\": 485.521, \"score\": 0.0}, {\"word\": \"好\", \"start\": 485.521, \"end\": 485.541, \"score\": 0.0}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"楊\"}, {\"word\": \"瓊\"}, {\"word\": \"瑛\"}, {\"word\": \"委\", \"start\": 491.226, \"end\": 492.108, \"score\": 0.964}, {\"word\": \"員\"}, {\"word\": \"接\", \"start\": 492.108, \"end\": 492.329, \"score\": 0.961}, {\"word\": \"下\", \"start\": 492.329, \"end\": 492.71, \"score\": 0.928}, {\"word\": \"來\"}, {\"word\": \"我\", \"start\": 492.71, \"end\": 493.873, \"score\": 0.962}, {\"word\": \"們\"}, {\"word\": \"請\"}, {\"word\": \"林\", \"start\": 493.873, \"end\": 494.234, \"score\": 0.998}, {\"word\": \"楚\", \"start\": 494.234, \"end\": 494.775, \"score\": 0.949}, {\"word\": \"瑛\"}, {\"word\": \"委\", \"start\": 494.775, \"end\": 494.795, \"score\": 0.991}, {\"word\": \"員\"}], \"language\": \"zh\"}","srt":"1\n00:00:00,149 --> 00:00:02,673\n保險法第146條之四的規定保險業者在海外的投資上額是45%\n\n2\n00:00:17,099 --> 00:00:29,729\n但是我們看到一個數據讓我們很有探討的空間也就是在九月份的時候你函給本席辦公室說我國受險金額總額約22兆那22兆元因為國內的標的不夠\n\n3\n00:00:36,454 --> 00:00:53,093\n不足所以長期被迫他要向海外的市場造成資金的一個外流那等於也是讓保護呢他曝險跟外匯的一個損失那我拿到了一個統計數字你看這個表格\n\n4\n00:00:55,214 --> 00:01:06,297\n從2017年就是1761億一直到去年2024年是3029億今年上半年是多少呢是5220億的這個虧損那我們國發會有一個兆元的一個投資\n\n5\n00:01:14,757 --> 00:01:35,583\n為什麼我們金管會會說我們沒有國內的標的物可以去做投資所以在這邊本席要請教金管會你已經明確的來說明國內無可投資標的所以在這樣情況之下你一直讓我們的資金外流而且一直連連的虧損\n\n6\n00:01:39,008 --> 00:02:00,475\n那我們金管會要有什麼樣的作為呢是跟委員回答兩件事那個匯兌成本它對應會有匯兌的損益這是只是成本的部分它工具的成本當然對這個不是它真正的最後做匯兌的那個數字再來第二個其實應該講我們現在國內有很多投資機會\n\n7\n00:02:01,775 --> 00:02:15,169\n但是呢保險業最重要購買的標的是固定收益的特別是債券公司債台灣的債券市場確實在規模上是相對於其他對嘛所以你買美債你買美債你的虧損就一直匯兌下來你的匯損就這麼多啊\n\n8\n00:02:19,584 --> 00:02:33,337\n對這匯水有時候是會像比如今年上半年是匯收益這個是因為匯率是會波動不是這樣所以它是確實面對到這個波動的風險但是不見得都是不好的這是一個\n\n9\n00:02:34,278 --> 00:03:00,796\n上下波動的風險那這樣波動的風險我們怎麼應對呢對所以說這也是剛剛委員有提到說委員你就想一下保險公司投資在海外通常是可能幾十年一二十年都不會匯回但是我們的匯率是全部都要算波動所以它的損益很多都是叫未實現的損益在帳戶上波動這個波動很大所以保險公司就要花很多的避險成本去避帳戶上面的波動實際上它不是現金流的匯對匯出\n\n10\n00:03:01,957 --> 00:03:13,214\n通常我們避險是要做什麼就是我有現金流進流出因為會有賄損所以我要做工具這個受險一個特別的地方我們也是希望說未來怎麼想辦法把這個把它扭轉過來\n\n11\n00:03:14,775 --> 00:03:33,382\n那你這個想辦法要什麼時候告訴我們有什麼辦法其實我們很快就會提出我們的方法什麼時候提出方法我想年底以前一定會跟委員報告好年底以前提出方法因為我們也非常的希望你既然承認說國內沒有標的義務那你是不是可以去研議是不是可以適度的開放\n\n12\n00:03:34,951 --> 00:03:56,126\n這個都是在你的研擬範圍內現在我們也在盡量的就看看透過跨部會剛剛那個委員有提到怎麼樣台灣其實需要很多的建設需要很多的建設國發會就有一個兆元基金啊他在做啊其實這我們有參與我們也在尋找更多的標的我們也下降了保險業投資國內標的一些障礙擴大開放國內的標的物\n\n13\n00:04:00,305 --> 00:04:27,132\n以及保障我們受險人員的一個安全度嘛這安全是沒有問題啦這個風險是由保險公來承擔不是由客戶來承擔所以一定要好好的你年底就會告訴我們你的方法要怎麼做怎麼樣去配合我們的資本制度來做所謂的他的資產負債的年底的時候告訴社會大眾對我會把這個方案跟大家做說明好謝謝ETF市場表面很熱絡但是實際上操作\n\n14\n00:04:28,392 --> 00:04:53,553\n實際上操作我們看到在整個結構性的一個風險當中跟他的不當行為我們看到很多投薪他為了搶市佔率所以他訂定高一點的高募集的這個責任額度那迫使基層的音樂園他必須甚至他招不到他自己自掏腰包用盡各種方式那在基金上這個上市之後立即倒貨\n\n15\n00:04:56,037 --> 00:05:23,045\n讓這個規模立即的會縮水價格撲發那不僅會讓投資人他不信任而且會凸顯到整個市場的監管的一個缺口影響到投資人的一個權益所以本席要在這邊請教本席要在這邊請教我們看到10月2號的時候呢那5月份有多檔的ETF不到一個禮拜就七成七成的籌碼\n\n16\n00:05:24,813 --> 00:05:51,588\n就倒出不到一個禮拜我們又看到81%的ETF的當天上市當天就破發在這樣的一個情況之下不僅影響到整個投資人的一個信任剛剛本席特別強調監管的缺口那所以請教主委你要怎麼樣重建市場的一個信任你要怎麼樣去遏止虛擬募集的一個行為請教主委\n\n17\n00:05:52,524 --> 00:06:15,164\n你的KPI以及你的制定到底要怎麼做對我想這個前一陣子確實引發很多的關注後來全經理也有到我們這邊來針對員工的權益跟我們做一些討論我們也採取一些行動我想我們可以提一個書面報告給委員這個非常重要我們不希望讓國人不信任不希望讓基層的這一些人員\n\n18\n00:06:17,503 --> 00:06:35,618\n他被壓榨到這種程度81%當天破發這個是監管會您的責任必須要將你的KPI以及你的監管方式必須要說明導正市場秩序維護投資人權益跟勞工的這些的那個我們都會來\n\n19\n00:06:36,559 --> 00:07:01,656\n最後一個議題我公開給我們金管會金管會我看到我們全球金融版的一個重組我也看到我們有八家的公股銀行六家提出退出退出在哪裡在澳洲緬甸大陸歐洲在這樣子的一個情況之下到底是什麼原因我們自己公股銀行八家有六家提出退出那這樣子等於我們\n\n20\n00:07:02,797 --> 00:07:18,610\n整個的整體性的國家級的一個評估那麼是不是會有股牌效應讓我們的公股銀行集體的退出削弱我們整個在金融外交國際布局的一個量能呢請教其實我剛才\n\n21\n00:07:19,571 --> 00:07:39,317\n稍早有委員問到這個問題我說其實我們的國營不是只有關股關股他基於自己營運的目的去做整併那是他們經營的問題我們關注的是這樣有沒有不符合公司治理還有整個的他們的整個的策略他來跟我們報告但是我們要看的是台灣還有很多其他的銀行\n\n22\n00:07:40,217 --> 00:08:05,541\n當然啦但是你基本是我們自己的功苦功苦就是如此了我們深怕的是我們被國際金融邊緣化其實不會啦我們國營可以看到我們國營在今年在海外的表現的占比呢一直越來越重要這也代表我們國營啊所以這一點我們也特別因為國營總是一個指標嘛那您必須要看為什麼他們會退出什麼樣的原因會不會影響到你也順便資料給本席好謝謝\n\n23\n00:08:11,226 --> 00:08:14,795\n謝謝楊瓊瑛委員接下來我們請林楚瑛委員\n\n","tsv":"start\tend\ttext\n149\t2673\t保險法第146條之四的規定保險業者在海外的投資上額是45%\n17099\t29729\t但是我們看到一個數據讓我們很有探討的空間也就是在九月份的時候你函給本席辦公室說我國受險金額總額約22兆那22兆元因為國內的標的不夠\n36454\t53093\t不足所以長期被迫他要向海外的市場造成資金的一個外流那等於也是讓保護呢他曝險跟外匯的一個損失那我拿到了一個統計數字你看這個表格\n55214\t66297\t從2017年就是1761億一直到去年2024年是3029億今年上半年是多少呢是5220億的這個虧損那我們國發會有一個兆元的一個投資\n74757\t95583\t為什麼我們金管會會說我們沒有國內的標的物可以去做投資所以在這邊本席要請教金管會你已經明確的來說明國內無可投資標的所以在這樣情況之下你一直讓我們的資金外流而且一直連連的虧損\n99008\t120475\t那我們金管會要有什麼樣的作為呢是 跟委員回答兩件事那個匯兌成本它對應會有匯兌的損益這是只是成本的部分它工具的成本當然對 這個不是它真正的最後做匯兌的那個數字再來第二個 其實應該講我們現在國內有很多投資機會\n121775\t135169\t但是呢保險業最重要購買的標的是固定收益的特別是債券公司債台灣的債券市場確實在規模上是相對於其他對嘛所以你買美債你買美債你的虧損就一直匯兌下來你的匯損就這麼多啊\n139584\t153337\t對 這匯水有時候是會像比如今年上半年是匯收益這個是因為匯率是會波動不是這樣所以它是確實面對到這個波動的風險但是不見得都是不好的這是一個\n154278\t180796\t上下波動的風險那這樣波動的風險我們怎麼應對呢對 所以說這也是剛剛委員有提到說委員你就想一下保險公司投資在海外通常是可能幾十年一二十年都不會匯回但是我們的匯率是全部都要算波動所以它的損益很多都是叫未實現的損益在帳戶上波動這個波動很大所以保險公司就要花很多的避險成本去避帳戶上面的波動實際上它不是現金流的匯對匯出\n181957\t193214\t通常我們避險是要做什麼就是我有現金流進流出因為會有賄損所以我要做工具這個受險一個特別的地方我們也是希望說未來怎麼想辦法把這個把它扭轉過來\n194775\t213382\t那你這個想辦法要什麼時候告訴我們有什麼辦法其實我們很快就會提出我們的方法什麼時候提出方法我想年底以前一定會跟委員報告好 年底以前提出方法因為我們也非常的希望你既然承認說國內沒有標的義務那你是不是可以去研議是不是可以適度的開放\n214951\t236126\t這個都是在你的研擬範圍內現在我們也在盡量的就看看透過跨部會剛剛那個委員有提到怎麼樣台灣其實需要很多的建設需要很多的建設國發會就有一個兆元基金啊他在做啊其實這我們有參與我們也在尋找更多的標的我們也下降了保險業投資國內標的一些障礙擴大開放國內的標的物\n240305\t267132\t以及保障我們受險人員的一個安全度嘛這安全是沒有問題啦這個風險是由保險公來承擔不是由客戶來承擔所以一定要好好的你年底就會告訴我們你的方法要怎麼做怎麼樣去配合我們的資本制度來做所謂的他的資產負債的年底的時候告訴社會大眾對 我會把這個方案跟大家做說明好 謝謝ETF市場表面很熱絡但是實際上操作\n268392\t293553\t實際上操作我們看到在整個結構性的一個風險當中跟他的不當行為我們看到很多投薪他為了搶市佔率所以他訂定高一點的高募集的這個責任額度那迫使基層的音樂園他必須甚至他招不到他自己自掏腰包用盡各種方式那在基金上這個上市之後立即倒貨\n296037\t323045\t讓這個規模立即的會縮水價格撲發那不僅會讓投資人他不信任而且會凸顯到整個市場的監管的一個缺口影響到投資人的一個權益所以本席要在這邊請教本席要在這邊請教我們看到10月2號的時候呢那5月份有多檔的ETF不到一個禮拜就七成七成的籌碼\n324813\t351588\t就倒出不到一個禮拜我們又看到81%的ETF的當天上市當天就破發在這樣的一個情況之下不僅影響到整個投資人的一個信任剛剛本席特別強調監管的缺口那所以請教主委你要怎麼樣重建市場的一個信任你要怎麼樣去遏止虛擬募集的一個行為請教主委\n352524\t375164\t你的KPI以及你的制定到底要怎麼做對 我想這個前一陣子確實引發很多的關注後來全經理也有到我們這邊來針對員工的權益跟我們做一些討論我們也採取一些行動我想我們可以提一個書面報告給委員這個非常重要我們不希望讓國人不信任不希望讓基層的這一些人員\n377503\t395618\t他被壓榨到這種程度81%當天破發這個是監管會您的責任必須要將你的KPI以及你的監管方式必須要說明導正市場秩序維護投資人權益跟勞工的這些的那個我們都會來\n396559\t421656\t最後一個議題我公開給我們金管會金管會我看到我們全球金融版的一個重組我也看到我們有八家的公股銀行六家提出退出退出在哪裡在澳洲緬甸大陸歐洲在這樣子的一個情況之下到底是什麼原因我們自己公股銀行八家有六家提出退出那這樣子等於我們\n422797\t438610\t整個的整體性的國家級的一個評估那麼是不是會有股牌效應讓我們的公股銀行集體的退出削弱我們整個在金融外交國際布局的一個量能呢請教其實我剛才\n439571\t459317\t稍早有委員問到這個問題我說其實我們的國營不是只有關股關股他基於自己營運的目的去做整併那是他們經營的問題我們關注的是這樣有沒有不符合公司治理還有整個的他們的整個的策略他來跟我們報告但是我們要看的是台灣還有很多其他的銀行\n460217\t485541\t當然啦 但是你基本是我們自己的功苦功苦就是如此了我們深怕的是我們被國際金融邊緣化其實不會啦我們國營可以看到我們國營在今年在海外的表現的占比呢一直越來越重要這也代表我們國營啊所以這一點我們也特別因為國營總是一個指標嘛那您必須要看為什麼他們會退出什麼樣的原因會不會影響到你也順便資料給本席好 謝謝\n491226\t494795\t謝謝楊瓊瑛委員接下來我們請林楚瑛委員\n","txt":"保險法第146條之四的規定保險業者在海外的投資上額是45%\n但是我們看到一個數據讓我們很有探討的空間也就是在九月份的時候你函給本席辦公室說我國受險金額總額約22兆那22兆元因為國內的標的不夠\n不足所以長期被迫他要向海外的市場造成資金的一個外流那等於也是讓保護呢他曝險跟外匯的一個損失那我拿到了一個統計數字你看這個表格\n從2017年就是1761億一直到去年2024年是3029億今年上半年是多少呢是5220億的這個虧損那我們國發會有一個兆元的一個投資\n為什麼我們金管會會說我們沒有國內的標的物可以去做投資所以在這邊本席要請教金管會你已經明確的來說明國內無可投資標的所以在這樣情況之下你一直讓我們的資金外流而且一直連連的虧損\n那我們金管會要有什麼樣的作為呢是 跟委員回答兩件事那個匯兌成本它對應會有匯兌的損益這是只是成本的部分它工具的成本當然對 這個不是它真正的最後做匯兌的那個數字再來第二個 其實應該講我們現在國內有很多投資機會\n但是呢保險業最重要購買的標的是固定收益的特別是債券公司債台灣的債券市場確實在規模上是相對於其他對嘛所以你買美債你買美債你的虧損就一直匯兌下來你的匯損就這麼多啊\n對 這匯水有時候是會像比如今年上半年是匯收益這個是因為匯率是會波動不是這樣所以它是確實面對到這個波動的風險但是不見得都是不好的這是一個\n上下波動的風險那這樣波動的風險我們怎麼應對呢對 所以說這也是剛剛委員有提到說委員你就想一下保險公司投資在海外通常是可能幾十年一二十年都不會匯回但是我們的匯率是全部都要算波動所以它的損益很多都是叫未實現的損益在帳戶上波動這個波動很大所以保險公司就要花很多的避險成本去避帳戶上面的波動實際上它不是現金流的匯對匯出\n通常我們避險是要做什麼就是我有現金流進流出因為會有賄損所以我要做工具這個受險一個特別的地方我們也是希望說未來怎麼想辦法把這個把它扭轉過來\n那你這個想辦法要什麼時候告訴我們有什麼辦法其實我們很快就會提出我們的方法什麼時候提出方法我想年底以前一定會跟委員報告好 年底以前提出方法因為我們也非常的希望你既然承認說國內沒有標的義務那你是不是可以去研議是不是可以適度的開放\n這個都是在你的研擬範圍內現在我們也在盡量的就看看透過跨部會剛剛那個委員有提到怎麼樣台灣其實需要很多的建設需要很多的建設國發會就有一個兆元基金啊他在做啊其實這我們有參與我們也在尋找更多的標的我們也下降了保險業投資國內標的一些障礙擴大開放國內的標的物\n以及保障我們受險人員的一個安全度嘛這安全是沒有問題啦這個風險是由保險公來承擔不是由客戶來承擔所以一定要好好的你年底就會告訴我們你的方法要怎麼做怎麼樣去配合我們的資本制度來做所謂的他的資產負債的年底的時候告訴社會大眾對 我會把這個方案跟大家做說明好 謝謝ETF市場表面很熱絡但是實際上操作\n實際上操作我們看到在整個結構性的一個風險當中跟他的不當行為我們看到很多投薪他為了搶市佔率所以他訂定高一點的高募集的這個責任額度那迫使基層的音樂園他必須甚至他招不到他自己自掏腰包用盡各種方式那在基金上這個上市之後立即倒貨\n讓這個規模立即的會縮水價格撲發那不僅會讓投資人他不信任而且會凸顯到整個市場的監管的一個缺口影響到投資人的一個權益所以本席要在這邊請教本席要在這邊請教我們看到10月2號的時候呢那5月份有多檔的ETF不到一個禮拜就七成七成的籌碼\n就倒出不到一個禮拜我們又看到81%的ETF的當天上市當天就破發在這樣的一個情況之下不僅影響到整個投資人的一個信任剛剛本席特別強調監管的缺口那所以請教主委你要怎麼樣重建市場的一個信任你要怎麼樣去遏止虛擬募集的一個行為請教主委\n你的KPI以及你的制定到底要怎麼做對 我想這個前一陣子確實引發很多的關注後來全經理也有到我們這邊來針對員工的權益跟我們做一些討論我們也採取一些行動我想我們可以提一個書面報告給委員這個非常重要我們不希望讓國人不信任不希望讓基層的這一些人員\n他被壓榨到這種程度81%當天破發這個是監管會您的責任必須要將你的KPI以及你的監管方式必須要說明導正市場秩序維護投資人權益跟勞工的這些的那個我們都會來\n最後一個議題我公開給我們金管會金管會我看到我們全球金融版的一個重組我也看到我們有八家的公股銀行六家提出退出退出在哪裡在澳洲緬甸大陸歐洲在這樣子的一個情況之下到底是什麼原因我們自己公股銀行八家有六家提出退出那這樣子等於我們\n整個的整體性的國家級的一個評估那麼是不是會有股牌效應讓我們的公股銀行集體的退出削弱我們整個在金融外交國際布局的一個量能呢請教其實我剛才\n稍早有委員問到這個問題我說其實我們的國營不是只有關股關股他基於自己營運的目的去做整併那是他們經營的問題我們關注的是這樣有沒有不符合公司治理還有整個的他們的整個的策略他來跟我們報告但是我們要看的是台灣還有很多其他的銀行\n當然啦 但是你基本是我們自己的功苦功苦就是如此了我們深怕的是我們被國際金融邊緣化其實不會啦我們國營可以看到我們國營在今年在海外的表現的占比呢一直越來越重要這也代表我們國營啊所以這一點我們也特別因為國營總是一個指標嘛那您必須要看為什麼他們會退出什麼樣的原因會不會影響到你也順便資料給本席好 謝謝\n謝謝楊瓊瑛委員接下來我們請林楚瑛委員\n","vtt":"WEBVTT\n\n00:00.149 --> 00:02.673\n保險法第146條之四的規定保險業者在海外的投資上額是45%\n\n00:17.099 --> 00:29.729\n但是我們看到一個數據讓我們很有探討的空間也就是在九月份的時候你函給本席辦公室說我國受險金額總額約22兆那22兆元因為國內的標的不夠\n\n00:36.454 --> 00:53.093\n不足所以長期被迫他要向海外的市場造成資金的一個外流那等於也是讓保護呢他曝險跟外匯的一個損失那我拿到了一個統計數字你看這個表格\n\n00:55.214 --> 01:06.297\n從2017年就是1761億一直到去年2024年是3029億今年上半年是多少呢是5220億的這個虧損那我們國發會有一個兆元的一個投資\n\n01:14.757 --> 01:35.583\n為什麼我們金管會會說我們沒有國內的標的物可以去做投資所以在這邊本席要請教金管會你已經明確的來說明國內無可投資標的所以在這樣情況之下你一直讓我們的資金外流而且一直連連的虧損\n\n01:39.008 --> 02:00.475\n那我們金管會要有什麼樣的作為呢是跟委員回答兩件事那個匯兌成本它對應會有匯兌的損益這是只是成本的部分它工具的成本當然對這個不是它真正的最後做匯兌的那個數字再來第二個其實應該講我們現在國內有很多投資機會\n\n02:01.775 --> 02:15.169\n但是呢保險業最重要購買的標的是固定收益的特別是債券公司債台灣的債券市場確實在規模上是相對於其他對嘛所以你買美債你買美債你的虧損就一直匯兌下來你的匯損就這麼多啊\n\n02:19.584 --> 02:33.337\n對這匯水有時候是會像比如今年上半年是匯收益這個是因為匯率是會波動不是這樣所以它是確實面對到這個波動的風險但是不見得都是不好的這是一個\n\n02:34.278 --> 03:00.796\n上下波動的風險那這樣波動的風險我們怎麼應對呢對所以說這也是剛剛委員有提到說委員你就想一下保險公司投資在海外通常是可能幾十年一二十年都不會匯回但是我們的匯率是全部都要算波動所以它的損益很多都是叫未實現的損益在帳戶上波動這個波動很大所以保險公司就要花很多的避險成本去避帳戶上面的波動實際上它不是現金流的匯對匯出\n\n03:01.957 --> 03:13.214\n通常我們避險是要做什麼就是我有現金流進流出因為會有賄損所以我要做工具這個受險一個特別的地方我們也是希望說未來怎麼想辦法把這個把它扭轉過來\n\n03:14.775 --> 03:33.382\n那你這個想辦法要什麼時候告訴我們有什麼辦法其實我們很快就會提出我們的方法什麼時候提出方法我想年底以前一定會跟委員報告好年底以前提出方法因為我們也非常的希望你既然承認說國內沒有標的義務那你是不是可以去研議是不是可以適度的開放\n\n03:34.951 --> 03:56.126\n這個都是在你的研擬範圍內現在我們也在盡量的就看看透過跨部會剛剛那個委員有提到怎麼樣台灣其實需要很多的建設需要很多的建設國發會就有一個兆元基金啊他在做啊其實這我們有參與我們也在尋找更多的標的我們也下降了保險業投資國內標的一些障礙擴大開放國內的標的物\n\n04:00.305 --> 04:27.132\n以及保障我們受險人員的一個安全度嘛這安全是沒有問題啦這個風險是由保險公來承擔不是由客戶來承擔所以一定要好好的你年底就會告訴我們你的方法要怎麼做怎麼樣去配合我們的資本制度來做所謂的他的資產負債的年底的時候告訴社會大眾對我會把這個方案跟大家做說明好謝謝ETF市場表面很熱絡但是實際上操作\n\n04:28.392 --> 04:53.553\n實際上操作我們看到在整個結構性的一個風險當中跟他的不當行為我們看到很多投薪他為了搶市佔率所以他訂定高一點的高募集的這個責任額度那迫使基層的音樂園他必須甚至他招不到他自己自掏腰包用盡各種方式那在基金上這個上市之後立即倒貨\n\n04:56.037 --> 05:23.045\n讓這個規模立即的會縮水價格撲發那不僅會讓投資人他不信任而且會凸顯到整個市場的監管的一個缺口影響到投資人的一個權益所以本席要在這邊請教本席要在這邊請教我們看到10月2號的時候呢那5月份有多檔的ETF不到一個禮拜就七成七成的籌碼\n\n05:24.813 --> 05:51.588\n就倒出不到一個禮拜我們又看到81%的ETF的當天上市當天就破發在這樣的一個情況之下不僅影響到整個投資人的一個信任剛剛本席特別強調監管的缺口那所以請教主委你要怎麼樣重建市場的一個信任你要怎麼樣去遏止虛擬募集的一個行為請教主委\n\n05:52.524 --> 06:15.164\n你的KPI以及你的制定到底要怎麼做對我想這個前一陣子確實引發很多的關注後來全經理也有到我們這邊來針對員工的權益跟我們做一些討論我們也採取一些行動我想我們可以提一個書面報告給委員這個非常重要我們不希望讓國人不信任不希望讓基層的這一些人員\n\n06:17.503 --> 06:35.618\n他被壓榨到這種程度81%當天破發這個是監管會您的責任必須要將你的KPI以及你的監管方式必須要說明導正市場秩序維護投資人權益跟勞工的這些的那個我們都會來\n\n06:36.559 --> 07:01.656\n最後一個議題我公開給我們金管會金管會我看到我們全球金融版的一個重組我也看到我們有八家的公股銀行六家提出退出退出在哪裡在澳洲緬甸大陸歐洲在這樣子的一個情況之下到底是什麼原因我們自己公股銀行八家有六家提出退出那這樣子等於我們\n\n07:02.797 --> 07:18.610\n整個的整體性的國家級的一個評估那麼是不是會有股牌效應讓我們的公股銀行集體的退出削弱我們整個在金融外交國際布局的一個量能呢請教其實我剛才\n\n07:19.571 --> 07:39.317\n稍早有委員問到這個問題我說其實我們的國營不是只有關股關股他基於自己營運的目的去做整併那是他們經營的問題我們關注的是這樣有沒有不符合公司治理還有整個的他們的整個的策略他來跟我們報告但是我們要看的是台灣還有很多其他的銀行\n\n07:40.217 --> 08:05.541\n當然啦但是你基本是我們自己的功苦功苦就是如此了我們深怕的是我們被國際金融邊緣化其實不會啦我們國營可以看到我們國營在今年在海外的表現的占比呢一直越來越重要這也代表我們國營啊所以這一點我們也特別因為國營總是一個指標嘛那您必須要看為什麼他們會退出什麼樣的原因會不會影響到你也順便資料給本席好謝謝\n\n08:11.226 --> 08:14.795\n謝謝楊瓊瑛委員接下來我們請林楚瑛委員\n\n","segments":[{"start":0.149,"end":2.673,"text":"保險法第146條之四的規定保險業者在海外的投資上額是45%"},{"start":17.099,"end":29.729,"text":"但是我們看到一個數據讓我們很有探討的空間也就是在九月份的時候你函給本席辦公室說我國受險金額總額約22兆那22兆元因為國內的標的不夠"},{"start":36.454,"end":53.093,"text":"不足所以長期被迫他要向海外的市場造成資金的一個外流那等於也是讓保護呢他曝險跟外匯的一個損失那我拿到了一個統計數字你看這個表格"},{"start":55.214,"end":66.297,"text":"從2017年就是1761億一直到去年2024年是3029億今年上半年是多少呢是5220億的這個虧損那我們國發會有一個兆元的一個投資"},{"start":74.757,"end":95.583,"text":"為什麼我們金管會會說我們沒有國內的標的物可以去做投資所以在這邊本席要請教金管會你已經明確的來說明國內無可投資標的所以在這樣情況之下你一直讓我們的資金外流而且一直連連的虧損"},{"start":99.008,"end":120.475,"text":"那我們金管會要有什麼樣的作為呢是 跟委員回答兩件事那個匯兌成本它對應會有匯兌的損益這是只是成本的部分它工具的成本當然對 這個不是它真正的最後做匯兌的那個數字再來第二個 其實應該講我們現在國內有很多投資機會"},{"start":121.775,"end":135.169,"text":"但是呢保險業最重要購買的標的是固定收益的特別是債券公司債台灣的債券市場確實在規模上是相對於其他對嘛所以你買美債你買美債你的虧損就一直匯兌下來你的匯損就這麼多啊"},{"start":139.584,"end":153.337,"text":"對 這匯水有時候是會像比如今年上半年是匯收益這個是因為匯率是會波動不是這樣所以它是確實面對到這個波動的風險但是不見得都是不好的這是一個"},{"start":154.278,"end":180.796,"text":"上下波動的風險那這樣波動的風險我們怎麼應對呢對 所以說這也是剛剛委員有提到說委員你就想一下保險公司投資在海外通常是可能幾十年一二十年都不會匯回但是我們的匯率是全部都要算波動所以它的損益很多都是叫未實現的損益在帳戶上波動這個波動很大所以保險公司就要花很多的避險成本去避帳戶上面的波動實際上它不是現金流的匯對匯出"},{"start":181.957,"end":193.214,"text":"通常我們避險是要做什麼就是我有現金流進流出因為會有賄損所以我要做工具這個受險一個特別的地方我們也是希望說未來怎麼想辦法把這個把它扭轉過來"},{"start":194.775,"end":213.382,"text":"那你這個想辦法要什麼時候告訴我們有什麼辦法其實我們很快就會提出我們的方法什麼時候提出方法我想年底以前一定會跟委員報告好 年底以前提出方法因為我們也非常的希望你既然承認說國內沒有標的義務那你是不是可以去研議是不是可以適度的開放"},{"start":214.951,"end":236.126,"text":"這個都是在你的研擬範圍內現在我們也在盡量的就看看透過跨部會剛剛那個委員有提到怎麼樣台灣其實需要很多的建設需要很多的建設國發會就有一個兆元基金啊他在做啊其實這我們有參與我們也在尋找更多的標的我們也下降了保險業投資國內標的一些障礙擴大開放國內的標的物"},{"start":240.305,"end":267.132,"text":"以及保障我們受險人員的一個安全度嘛這安全是沒有問題啦這個風險是由保險公來承擔不是由客戶來承擔所以一定要好好的你年底就會告訴我們你的方法要怎麼做怎麼樣去配合我們的資本制度來做所謂的他的資產負債的年底的時候告訴社會大眾對 我會把這個方案跟大家做說明好 謝謝ETF市場表面很熱絡但是實際上操作"},{"start":268.392,"end":293.553,"text":"實際上操作我們看到在整個結構性的一個風險當中跟他的不當行為我們看到很多投薪他為了搶市佔率所以他訂定高一點的高募集的這個責任額度那迫使基層的音樂園他必須甚至他招不到他自己自掏腰包用盡各種方式那在基金上這個上市之後立即倒貨"},{"start":296.037,"end":323.045,"text":"讓這個規模立即的會縮水價格撲發那不僅會讓投資人他不信任而且會凸顯到整個市場的監管的一個缺口影響到投資人的一個權益所以本席要在這邊請教本席要在這邊請教我們看到10月2號的時候呢那5月份有多檔的ETF不到一個禮拜就七成七成的籌碼"},{"start":324.813,"end":351.588,"text":"就倒出不到一個禮拜我們又看到81%的ETF的當天上市當天就破發在這樣的一個情況之下不僅影響到整個投資人的一個信任剛剛本席特別強調監管的缺口那所以請教主委你要怎麼樣重建市場的一個信任你要怎麼樣去遏止虛擬募集的一個行為請教主委"},{"start":352.524,"end":375.164,"text":"你的KPI以及你的制定到底要怎麼做對 我想這個前一陣子確實引發很多的關注後來全經理也有到我們這邊來針對員工的權益跟我們做一些討論我們也採取一些行動我想我們可以提一個書面報告給委員這個非常重要我們不希望讓國人不信任不希望讓基層的這一些人員"},{"start":377.503,"end":395.618,"text":"他被壓榨到這種程度81%當天破發這個是監管會您的責任必須要將你的KPI以及你的監管方式必須要說明導正市場秩序維護投資人權益跟勞工的這些的那個我們都會來"},{"start":396.559,"end":421.656,"text":"最後一個議題我公開給我們金管會金管會我看到我們全球金融版的一個重組我也看到我們有八家的公股銀行六家提出退出退出在哪裡在澳洲緬甸大陸歐洲在這樣子的一個情況之下到底是什麼原因我們自己公股銀行八家有六家提出退出那這樣子等於我們"},{"start":422.797,"end":438.61,"text":"整個的整體性的國家級的一個評估那麼是不是會有股牌效應讓我們的公股銀行集體的退出削弱我們整個在金融外交國際布局的一個量能呢請教其實我剛才"},{"start":439.571,"end":459.317,"text":"稍早有委員問到這個問題我說其實我們的國營不是只有關股關股他基於自己營運的目的去做整併那是他們經營的問題我們關注的是這樣有沒有不符合公司治理還有整個的他們的整個的策略他來跟我們報告但是我們要看的是台灣還有很多其他的銀行"},{"start":460.217,"end":485.541,"text":"當然啦 但是你基本是我們自己的功苦功苦就是如此了我們深怕的是我們被國際金融邊緣化其實不會啦我們國營可以看到我們國營在今年在海外的表現的占比呢一直越來越重要這也代表我們國營啊所以這一點我們也特別因為國營總是一個指標嘛那您必須要看為什麼他們會退出什麼樣的原因會不會影響到你也順便資料給本席好 謝謝"},{"start":491.226,"end":494.795,"text":"謝謝楊瓊瑛委員接下來我們請林楚瑛委員"}]}}},"gazette":{"lineno":963,"blocks":[["楊委員瓊瓔：（12時）謝謝主席。楊瓊瓔發言，邀請主委。"],["主席：我們請彭主委。"],["彭主任委員金隆：委員好。"],["楊委員瓊瓔：主委好。依保險法第一百四十六條之四規定，保險業者在海外的投資上限是45%，但是我們看到一個數據有探討的空間，也就是在9月份的時候你函給本席辦公室說，我國壽險金額總額約22兆，因為國內的標的不足，所以長期迫使他要流向海外的市場、造成資金外流，等於也是讓保戶暴險及面臨外匯損失。","我拿到了一個統計數字，你看這個表格，從2017年是1,761億，一直到去年2024年是3,029億，今年上半年是多少呢？是5,220億的虧損。而國發會有一個兆元的投資，為什麼金管會會說我們沒有國內的標的物可以去做投資？所以在這邊本席要請教，金管會已經明確說明國內無可投資標的，在這樣的情況之下，你一直讓我們的資金外流，而且一直連連虧損，金管會要有什麼樣的作為呢？"],["彭主任委員金隆：跟委員回答兩件事，匯兌成本會有對應的匯兌損益，這是只是成本的部分、工具的成本。"],["楊委員瓊瓔：當然。"],["彭主任委員金隆：對，這個不是它真正最後做匯兌的數字。再來第二個，其實嚴格來講，我們現在國內有很多投資機會，但是保險業最重要的購買標的是固定收益的，特別是債券、公司債，臺灣的債券市場確實在規模上相對於其他……"],["楊委員瓊瓔：對嘛，所以如果買美債，匯兌下來的匯損就這麼多啊！"],["彭主任委員金隆：對。"],["楊委員瓊瓔：這怎麼辦呢？"],["彭主任委員金隆：匯損有時候會……比如今年的上半年是匯收益，因為匯率會波動，所以它確實面對到波動的風險，但是不見得都是不好的，這是一個上下波動的風險。"],["楊委員瓊瓔：這樣的波動風險你們怎麼應對呢？"],["彭主任委員金隆：這也是剛剛委員有提到，委員就想一下，保險公司投資在海外通常一、二十年都不會匯回，但是我們的匯率全部都要算波動，所以他的損益很多都是叫未實現的損益在帳務上波動，這個波動很大，所以保險公司就要花很多的避險成本去避帳務上面的波動，只要他不是現金流的匯兌、匯出。通常我們避險是要做什麼？就是現金流進、流出會有匯損，所以要有些工具，這個是壽險業特別的地方，所以我們也希望未來想辦法把這個扭轉過來。"],["楊委員瓊瓔：那你這個想辦法要什麼時候告訴我們有什麼辦法？"],["彭主任委員金隆：其實我們很快就會提出我們的方法。"],["楊委員瓊瓔：什麼時候提出方法？"],["彭主任委員金隆：我想年底以前一定會跟委員報告。"],["楊委員瓊瓔：好，年底以前提出方法，因為我們也非常的希望，既然你承認國內沒有標的物，你是不是可以去研議、是不是可以適度的開放？這個都是在你的研擬範圍內。"],["彭主任委員金隆：現在我們也儘量透過跨部會，剛才委員也有提到，臺灣其實需要很多的建設……"],["楊委員瓊瓔：對啊，國發會就有一個兆元基金，他在做啊！"],["彭主任委員金隆：其實這個我們有參與，我們也在尋找更多的標的，我們也下降了保險業投資國內標的的一些障礙。"],["楊委員瓊瓔：擴大開放國內的標的物以及保障我們壽險人員的安全度，因為現在……"],["彭主任委員金隆：安全是沒有問題，這個風險是由保險公司來承擔，不是由客戶來承擔。"],["楊委員瓊瓔：所以一定要好好的……你年底就會告訴我們，你的方法要怎麼做！"],["彭主任委員金隆：怎麼樣去配合我們的資本制度來做所謂資產負債的……"],["楊委員瓊瓔：年底的時候告訴社會大眾。"],["彭主任委員金隆：我會把這個方案跟大家做說明。"],["楊委員瓊瓔：好，謝謝。","ETF市場表面很熱絡，但是實際上的操作我們看到結構性的風險與不當行為，我們看到很多投信為了搶市占率，所以訂定高募集責任額度，迫使基層的營業員必須……甚至他招不到還要自掏腰包、用盡各種方式，那在基金上市之後立即倒貨，讓這個規模立即縮水、價格破發，不僅會讓投資人不信任，而且會凸顯整個市場的監管缺口，影響到投資人的權益。","所以本席要在這邊請教，我們看到10月2日的資料在5月份有多檔的ETF不到一個禮拜就有七成籌碼倒出，我們又看到有81%的ETF在上市當天就破發，在這樣的情況之下，不僅影響到整個投資人的信任，剛剛本席特別強調監管的缺口！所以請教主委，你要怎麼樣重建市場的信任、你要怎麼樣去遏止虛擬募集的行為？你的KPI以及你的制定到底要怎麼做？"],["彭主任委員金隆：這部分前一陣子確實引發很多的關注，後來全金聯也有到我們這邊來針對員工的權益做一些討論，我們也採取一些行動，我們可以提個書面報告給委員。"],["楊委員瓊瓔：這個非常重要，我們不希望讓國人不信任、不希望讓這些基層人員被壓榨到這種程度，有81%當天破發，這個是金管會的責任，必須要將你的KPI以及你的監管方式說明。"],["彭主任委員金隆：對，關於導正市場秩序、維護投資人跟勞工的權益，這些我們都會來做。"],["楊委員瓊瓔：最後一個議題，我把功課給金管會。我看到全球金融版圖重組，我也看到在我們的8家公股銀行當中，6家提出退出，退出哪裡？在澳洲、緬甸、大陸、歐洲。在這樣子的一個情況之下，到底是什麼原因？在我們自己的公股銀行中，8家有6家提出退出，這樣子缺乏整體戰略與國家級評估，是不是會有骨牌效應讓我們的公股銀行集體退出、削弱我們整個在金融外交與國際布局的量能呢？請教。"],["彭主任委員金隆：稍早也有委員問到這個問題，我說其實我們的國銀不是只有官股，官股基於自己營運的目的去做整併，那是他們經營的問題，我們關注的是有沒有不符合公司治理還有他們整個的策略妥善，他要來跟我們報告，但我們要看的是臺灣還有很多其他的銀行。"],["楊委員瓊瓔：當然，但是基本的還是我們自己的公股，公股就是如此了，我們生怕的是我們被國際金融邊緣化。"],["彭主任委員金隆：其實不會，委員可以看到我們國銀近年在海外表現的占比一直越來越重要，這也代表我們國銀在海外有擴張……"],["楊委員瓊瓔：所以這一點我們也特別……因為國銀總是一個指標嘛，您必須要瞭解為什麼他們會退出、什麼樣的原因、會不會影響到？"],["彭主任委員金隆：有，我們都有找他們來瞭解。"],["楊委員瓊瓔：你也把書面資料給本席。"],["彭主任委員金隆：好，謝謝。"],["主席：謝謝楊瓊瓔委員。","接下來我們請林楚茵委員。"]],"agenda":{"page_end":102,"meet_id":"委員會-11-4-20-2","speakers":["李坤城","林德福","吳秉叡","賴士葆","郭國文","賴惠員","林思銘","顏寬恒","鍾佳濱","黃珊珊","李彥秀","王世堅","葛如鈞","黃國昌","楊瓊瓔","林楚茵","邱志偉","陳玉珍","羅明才"],"page_start":41,"meetingDate":["2025-10-13"],"gazette_id":"1148401","agenda_lcidc_ids":["1148401_00003"],"meet_name":"立法院第11屆第4會期財政委員會第2次全體委員會議紀錄","content":"邀請金融監督管理委員會彭主任委員金隆率所屬機關首長暨中央存款保險股份有限公司、監管相\n關機構有關之財團法人、臺灣證券交易所股份有限公司、臺灣期貨交易所股份有限公司、臺灣集\n中保管結算所股份有限公司等董事長、總經理列席業務報告，並備質詢","agenda_id":"1148401_00002"}}}