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請金管會黃主委"},{"start":303.397,"end":303.417,"text":"諸位"},{"start":305.981,"end":306.041,"text":"主席"},{"start":336.382,"end":336.843,"text":"各位委員報告"},{"start":346.698,"end":347.219,"text":"對阿就目前的狀況來看齁"},{"start":370.181,"end":393.859,"text":"這個成效是不是有達到預期?您認為呢?報告委員其實這個要看共幾面的情況就是我們其實在公共建設方面法規制度做了很多放寬包括參與公共建設董事監察員的比例都提高了可是看起來要有一個足夠讓保險業願意去投資的標底適當的期間跟報酬率才會促成兩倍的"},{"start":394.46,"end":399.806,"text":"這是主要的誘因嗎?如果不如預期那到底問題出在哪裡?是不是有其他配套的方案?"},{"start":401.533,"end":401.693,"text":"主委"},{"start":424.917,"end":435.285,"text":"風險係數下調後保險業持有的投資部位算出的風險資本也會減少有助拉高RBC主要"},{"start":436.69,"end":457.23,"text":"目的是為了增強保險業投資國內公共建設的誘因至於業者是不是會加碼投資公共建設保險局也表示還是取決於業者對投資回報的風險等面向來做一個綜合考量主委財政部今年初統計2023年"},{"start":460.292,"end":480.638,"text":"這個授權資金投入公共建設僅簽約兩個案子差不多合計的金額112.7億建樹還是4年來最少而且金額是創5年來最低媒體報導表示主要是保險業對收益率"},{"start":481.874,"end":497.086,"text":"要求高,再加上防疫保單的後遺症請問主委以保險業目前的生態你認為國內公共建設有沒有足夠收益率的誘因能夠吸引這些保險業的資金投資嗎?"},{"start":498.067,"end":498.507,"text":"經歷這幾年獲利不如預期"},{"start":520.953,"end":544.923,"text":"如2026年初就要接軌負債會計這個IFRS17和新清償能力指標ICS請問加碼投資國內公共建設你認為對保險業營運是不是有好的一個營運選項的考量其實委員在我們今天報告中特別有提到去年年底"},{"start":545.703,"end":545.723,"text":"這樣齁?是。"},{"start":564.181,"end":568.383,"text":"主委,上個禮拜公布2024年二月保險業獲利淨值和匯兌成本一月受選業大賺318億元那二月略降到211億元月減超33%累積兩個月賺了529億元"},{"start":584.169,"end":603.611,"text":"已經比去年同期虧轉盈媒體報導今年前兩個月新台幣貶值授權業有較多匯兌的利益再加上台股兩個月漲到一萬八千多點二月漲到一萬八千多點三月初漲到超過兩萬點"},{"start":605.293,"end":620.427,"text":"那有助授權業從股票實現資本利得來支撐獲利第一季獲利可能不錯的表現那請問主委你認為年初保險業的獲利是不是可以說是來自景氣互輸的反饋"},{"start":622.809,"end":640.562,"text":"其實委員您是專家您剛提的那幾點就是原因了匯率的問題股市它的資本利得的這個收得那但是這個情況未來會不會延續我們不清楚對於台股投資人提醒八個字注意風險省慎選股對保險業也適用嗎你認為"},{"start":644.98,"end":667.965,"text":"我想對任何金融業都是要注意風險風險關鍵很重要那可不可以適用就是注意風險省慎選股我覺得金融業要如履薄冰如林森淵今年應該風險有很多我們要注意的地方這樣喔好謝謝謝謝委員好謝謝林德福委員質詢接著我們請吳秉樂委員質詢"},{"start":677.5,"end":678.695,"text":"響鐘"}]}},"supported_relations":[],"relations":[]}