{"error":false,"id":["152815"],"data":{"IVOD_ID":152815,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/152815","日期":"2024-05-22","會議資料":{"會議代碼":"委員會-11-1-20-13","會議代碼:str":"第11屆第1會期財政委員會第13次全體委員會議","屆":11,"會期":1,"會次":13,"臨時會會次":null,"種類":"委員會","委員會代碼":[20],"委員會代碼:str":["財政委員會"],"標題":"第11屆第1會期財政委員會第13次全體委員會議"},"影片種類":"Clip","開始時間":"2024-05-22T11:32:39+08:00","結束時間":"2024-05-22T11:44:30+08:00","影片長度":"00:11:51","支援功能":["ai-transcript","gazette"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/ec526bb9f1bdce9d75336c7fa504516588b406ffa24a3d763b43bbf2d64d20174dc9c27a7575cebe5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"李坤城","委員發言時間":"11:32:39 - 11:44:30","會議時間":"2024-05-22T09:00:00+08:00","會議名稱":"立法院第11屆第1會期財政委員會第13次全體委員會議（事由：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。\n【5月20日及22日二天一次會】）","gazette":{"lineno":667,"blocks":[["李委員坤城：（11時32分）謝謝召集人，我請彭主委。"],["主席：請彭主委。"],["李委員坤城：彭主委好。"],["彭主任委員金隆：李委員好。"],["李委員坤城：你今天第一次備詢，照早上這樣問下來還習慣嗎？"],["彭主任委員金隆：正在適應中。"],["李委員坤城：有什麼心得嗎？"],["彭主任委員金隆：「足硬篤」。"],["李委員坤城：「足硬篤」？可是我看早上還好啊！大家都對你滿客氣的啊！哪邊讓你覺得比較「硬篤」？"],["彭主任委員金隆：我覺得戒慎……不恐懼啦！"],["李委員坤城：其實我們立法委員都是和藹可親的啦！"],["彭主任委員金隆：對。"],["李委員坤城：我跟你第一次碰面應該是在520國宴，在此之前，就只有在報紙上看到人事的發布，其實，有機會的話，你跟所有財政委員會的委員應該多交流一下。"],["彭主任委員金隆：一定。"],["李委員坤城：我們才知道未來金管會的走向。"],["彭主任委員金隆：是。"],["李委員坤城：畢竟過去黃天牧主委當了四年多，大家多有肯定，他平時也都跟所有委員保持交流跟互動。"],["彭主任委員金隆：對。"],["李委員坤城：那麼對於這部分，我也請彭主委能夠多加強。"],["彭主任委員金隆：一定，謝謝。"],["李委員坤城：賴總統在520宣誓就職之後，說過打詐是他的重要目標，新任行政院長：卓榮泰院長在接任閣揆的時候也說打詐是他任內的首要目標、未來內閣首重五打七安，面對詐騙，除了現在通過的打詐四法之外，他還要讓想騙的不敢騙、已經騙的會被抓、騙到手的沒得花。就行政部門來講的話，金管會也屬於五大主責機關的其中之一嘛！那我先請教一下彭主委，未來針對打詐，就金管會這方面，你有沒有什麼樣的看法跟主張？"],["彭主任委員金隆：針對打詐，現在首要的就是把我們現在已經在做的加以落實跟強化。接下來，第二點就是關於打詐專法的部分，我們要趕快把子法建立起來，在通過的第一時間強化幾個重要措施，像委員剛剛提到的橫向聯繫，以及對於……"],["李委員坤城：打詐專法裡面跟金管會相關的有哪些？"],["彭主任委員金隆：裡面主要有幾個條文，比如說建立與經警的聯防機制、金融機構之間的合作、解除金融機構在互通資訊上的保密義務，還有對於被詐騙金額做一些帳務上的處理，我想這些都是非常關鍵的。"],["李委員坤城：好。但你剛剛沒有提到罰則部分。針對罰則部分，在打詐專法或洗錢防制法修正草案裡面都有罰則。當然，打詐專法裡面的罰則對於提供虛擬資產服務之事業或人員還是有行政罰；在洗錢防制法修正草案裡面，對於提供虛擬資產服務之事業或人員的刑罰是兩年以下有期徒刑。主委，不論是打詐專法或洗錢防制法，對於虛擬資產的行政罰或刑罰，您的看法怎麼樣？適當嗎？是否過輕？還是有可以再加強的？"],["彭主任委員金隆：我想，既然草案剛通過，這樣的話可以先來試行。"],["李委員坤城：所以你認為是足夠的？"],["彭主任委員金隆：我是這樣想。"],["李委員坤城：你是這樣想？"],["彭主任委員金隆：嗯！"],["李委員坤城：過去我們也曾要求黃主委將虛擬資產專法提出，而他說可能也做過研究了，但是法案內容以及時程要由下一任主委、也就是彭主委決定。那請問一下彭主委，對於虛擬資產專法，你心中的想法是怎麼樣？大概何時會提出來？"],["彭主任委員金隆：我們對於虛擬資產的管理現在按照既定策略在進行，專法部分已經請專家研究，九月報告就會送過來，我們預計最快可能是明年。"],["李委員坤城：明年送到立法院嗎？"],["彭主任委員金隆：中間有一定程序，但至少明年這個時間在金管會這邊……"],["李委員坤城：「九月提出來」是指金管會九月份會送到行政院嗎？"],["彭主任委員金隆：關於九月是這樣：上次在黃主委任內也有跟大家報告，因為虛擬資產專法涉及的層面滿複雜的，我們正在請專家學者研究，而這份報告已經快要完成，按照我們的合約，九月……"],["李委員坤城：九月完成報告？"],["彭主任委員金隆：對，那我們也會趕快、加快研議過程。至於我說最快也是明年的事情，是指金管會這邊有結果送出來。"],["李委員坤城：所以明年才會送行政院、明年才會送立法院？"],["彭主任委員金隆：應該是這樣。"],["李委員坤城：我怎麼記得之前黃主委不是這樣講的啊？我記得黃主委之前說下個會期、九月份就會送到立法院來。"],["彭主任委員金隆：應該是按照我們現在的時程。"],["李委員坤城：局長？"],["彭主任委員金隆：我請本會張局長回答。"],["張局長振山：我們的概念是找學者研究之後，初稿會在九月份看得到，至於後面要落實到條文的話，我們還要從細部討論，所以剛剛主委才會說大概明年就可以看到。"],["李委員坤城：所以今年有關虛擬資產的專法不會送行政院、也沒辦法送到立法院就對了？"],["張局長振山：是的。"],["李委員坤城：所以明年才會送？"],["張局長振山：對。"],["李委員坤城：明年才會送？"],["張局長振山：是。"],["李委員坤城：好，那至少要再把這個時程確定一下，因為我們上次問黃主委的時候，黃主委都還滿保守的，在態度上是一副接下來是下一任主委的事情了，他大概也沒辦法決定太多。","我再問一下，之前也有滿多委員在問的，就是關於壽險業的事情、壽險業資本適足率的問題。關於三商美邦跟新光人壽的資本適足率，在三月底的時候，這兩家公司都未達到法定標準的200%嘛！對不對？你們也做了處罰。那請問一下，到了六月，這兩家公司有辦法達到法定的資本適足率嗎？"],["彭主任委員金隆：我可不可以請保險局局長跟您做詳細說明？"],["李委員坤成：好。"],["彭主任委員金隆：謝謝。"],["主席：請施局長。"],["施局長瓊華：報告委員，因為我們已經請公司再提他們的財業務改善計畫，等計畫來了之後，我們會評估他們到底後續……"],["李委員坤城：提出來了沒有？現在已經五月底了欸！"],["施局長瓊華：新光應該……"],["李委員坤城：三月份那時候已經不夠了、也就是沒有達到標準了……"],["施局長瓊華：對，而5月24日……"],["李委員坤城：那理論上就會提出來了啊！"],["施局長瓊華：時間快到了，我們有給他們一點時間啦！"],["李委員坤城：還沒有提出來喔？"],["施局長瓊華：還沒，5月24……"],["李委員坤城：到現在還沒有提出來喔？都被你們罰了也還沒提出來喔？"],["施局長瓊華：財報確認時間是三月底嘛！我們四月發文給他們，所以大概五月底左右，他們會送過來。"],["李委員坤城：那你們有沒有做什麼樣的指示、要求，希望他們能夠達到哪一些標準、以達到資本適足率？"],["施局長瓊華：我們希望他們提出一個可行方案，能夠改善RBC、符合規定，儘速回到法定標準。"],["李委員坤城：你這樣講很空泛啊！我是說有沒有一些標準啊！或是說哪些標準他們沒有達到，而你們做了要求，讓他們可以達到？他們要提供什麼樣的選擇？"],["施局長瓊華：我們會請他們提出計畫，譬如說增資，增資也是一個選項。他們也可能會發債，或者他們會提出一些財業務裡面的改善措施，讓他們的RBC能夠做出調整。所以在財務結構調整上，他們也會試試看。"],["李委員坤城：現金增資合理嗎？"],["施局長瓊華：現金增資是其中一個重要選項。或者還有其他選項，例如發債。"],["李委員坤城：那這兩家公司呢？這兩家公司在你們的要求之下，有提出什麼樣的改善方向嗎？"],["施局長瓊華：等5月24號以後，根據他們提來的報告，我們會去評估他們提出來的做法是不是可行──進度上是不是可行。"],["李委員坤城：三個月的時間有辦法達標嗎？"],["施局長瓊華：這要看提出的項目是什麼。如果是現金增資的話，照這樣看，應該有一些他們已經在做了，有一些則會落到下半年。"],["李委員坤城：現金增資的，你是指新光？"],["施局長瓊華：新光跟三商都有過現金增資，兩家都有。"],["李委員坤城：會有子公司上繳盈餘這部分嗎？"],["施局長瓊華：新光的子公司上繳盈餘在上半年已經完成了，是70億。"],["李委員坤城：那還是不夠嘛！"],["施局長瓊華：還不夠。"],["李委員坤城：還不夠？"],["施局長瓊華：所以還要再提。"],["李委員坤城：所以現在新光是要雙管齊下嗎？除了現金增資，然後繼續上繳盈餘嗎？"],["施局長瓊華：他們上繳盈餘的部分在六月以前已經完成了，現在正在做的還有發債。在發債部分，現在預估六月底也會有大概55億的發債金額。另外，下半年還有現金增資的規劃。"],["李委員坤城：這樣有辦法達到你們的要求嗎？"],["施局長瓊華：這個部分可能還要看最近整個RBC的狀況，我們要進行評估啦！那需要試算。"],["李委員坤城：那到四月呢？四月有最新資本適足率的數字出來嗎？"],["施局長瓊華：去年年底的數字在四月是出來了，所以我們才會發公文給他們，請他再提……"],["李委員坤城：不是去年年底的數字啦！去年年底的數字當然我們現在都知道啦！我是說有最新資本適足率的數字出來嗎？"],["施局長瓊華：沒有，再來就要看六月的數字啦！而六月現在還沒到。"],["李委員坤城：大家都知道彭主委跟壽險業還滿熟的，那你跟新光人壽董事長魏寶生熟不熟？"],["彭主任委員金隆：他以前是我在保險司的副司長。"],["李委員坤城：我是希望公歸公、私歸私啦！"],["彭主任委員金隆：那當然。"],["李委員坤城：對於一般民眾來講，當然希望業者達到資本適足率，對大家才有保障，但是我這樣問，局長又答得很含糊，其實我也不太確定以他們目前提出來的方案或是你們對他們的要求，到六月的時候能不能達到資本適足率的標準。"],["彭主任委員金隆：以我們上次給他們的公函，是給他們一個月回覆，而一個月的期限應該是5月24號。"],["李委員坤城：5月24號？就是這幾天？"],["彭主任委員金隆：對，他們要把這一個月……以上次我們發處分函下去起算一個月，期限就是5月24號要交來，所以剛剛局長才會說還沒看到他們的計畫。"],["李委員坤城：好，那我下次再來問好了，好不好？謝謝。謝謝召委。"],["彭主任委員金隆：謝謝委員。"],["主席：下一位質詢請王世堅委員。"]],"agenda":{"page_end":332,"meet_id":"委員會-11-1-20-13","speakers":["羅明才","林德福","吳秉叡","顏寬恒","賴惠員","賴士葆","王鴻薇","郭國文","李彥秀","黃珊珊","伍麗華Saidhai‧Tahovecahe","李坤城","王世堅","楊瓊瓔","黃國昌","葛如鈞","陳玉珍","林楚茵","吳春城","鍾佳濱","謝衣鳯","張嘉郡"],"page_start":263,"meetingDate":["2024-05-22"],"gazette_id":"1134901","agenda_lcidc_ids":["1134901_00008"],"meet_name":"立法院第11屆第1會期財政委員會第13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":"1134901_00005"}},"transcr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謝謝請問市局長"},{"start":421.107,"end":431.08,"text":"報告委員因為我們已經請公司再提他的財業改善計畫等他來了以後我們來評估他到底後續提出來的沒有因為現在五月底了欸"},{"start":432.901,"end":461.97,"text":"那個星光應該...那3月份的時候已經不夠了嘛就沒有達到標準那理論上就會貼出來啦快快應該時間快到了我們有給他一點時間啦還沒有貼出來喔還沒5月20日他現在還沒有貼出來喔都被你們罰了都還沒有貼出來喔我們那個財報確認時間是在3月底嘛那我們4月發文給他們那所以大概5月底左右他們會會送過來那你們有沒有做什麼樣的指示要求"},{"start":463.09,"end":483.77,"text":"希望他們能夠達到哪一些的標準?能夠達到這個日本市主義...我會希望他提出一個可行的方案能夠改善他的這個RBC的規定儘速回到法定標準你這樣講很空泛啊我說我們有一些標準啊或是說哪一些他們沒有達到然後你們做一個要求他可以達到"},{"start":485.18,"end":513.811,"text":"如果他們要提供什麼樣的一個選擇他們會請他們提比如說像增資啦增資也是一個選項啦還有就是他們有可能也會去發債啦或者他們會提一些財業務裡面的一些改善的措施讓他的RBC能夠做調整所以在他的財務結構調整上他們也會現金增資合理嗎現金增資是其中一個重要的選項或者是還有其他的發債"},{"start":515.091,"end":535.138,"text":"那這兩家公司呢?這兩家公司在你們的要求之下有提出什麼樣的改善的方向嗎?等5月24日以後他們提來的我們會去評估他提出來的那個是不是可行啦進度上是不是可行三個月的時間有辦法達標嗎?"},{"start":537.319,"end":562.057,"text":"這要看他提出的項目是什麼如果現金增資的話照這樣看的話應該應該有一些已經他們在做了有一些是會落到下半年現金增資你是指星光星光跟三商都有過現金增資兩家都有然後有會有這一個子公司上繳盈餘這部分嗎"},{"start":563.682,"end":578.21,"text":"新光的子公司上繳盈餘在上半年已經完成了那還是不夠嗎?還不夠,所以他還要再提所以現在新光是要雙管齊下嗎?現金增資然後再繼續上繳盈餘嗎?"},{"start":580.924,"end":601.616,"text":"目前他們上繳盈餘的部分6月以前已經完成了然後他現在在做的還有發債那發債的部分現在預估在6月底也會有大概55億的發債的金額另外他下半年還有現金增資的規劃那這樣有辦法達到你們的要求嗎?"},{"start":605.21,"end":632.064,"text":"這個部分可能還要看最近它的那個整個RBC的狀況我們要進行評估啦那個要試算那到4月呢?4月有最新的有資本市足率的這一個數字出來嗎?那個去年年底的數字4月是出來的我們才會發公文給他們請他再提不是去年年底啦去年年底當然我們現在就知道啦我說有最新的有這個資本市足率的數字出來嗎?"},{"start":633.244,"end":658.674,"text":"沒有,再來就要看6月的數字啦所以6月現在還沒到那大家知道彭主委跟受選役還蠻熟的那你跟這個新光人壽董事長魏寶生熟不熟他以前是我在保險室的司長是我的副司長所以這個我是希望公歸公司歸司啦那也希望說齁"},{"start":659.816,"end":685.204,"text":"對於這個一般民眾來講當然希望說他達到這一個資本市主率對大家才有保障但是我這樣問局長好像答得很含糊其實我也不太確定說他目前所提出來這個方案或是你們對他的要求能不能到6月的時候達到這個資本市主率因為我們上次給他的公函是給他一個月內要回復一個月的期限是5月應該5月24日"},{"start":687.114,"end":698.438,"text":"5月24日,就是這幾天?對,他要把那個一個月,上次我們處分函下去一個月,他的期限是5月24日要來。所以剛剛局長才會說還沒看到他的計畫。好,那我下次再來問好了,好不好?好,謝謝,謝謝召委,謝謝。謝謝委員,謝謝。"}]}},"supported_relations":[],"relations":[]}