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因為今天談到保險相關的題目主委是不是態度很清楚 應該是我們主席所提到的 就是要執行的話"},{"start":33.72,"end":60.015,"text":"除了一些之外 授選的不應該執行 這個態度確定是不是就是成為我們版本裡面 我們希望能夠趕快來解決這個非常龐大社會成本的問題我們當然是態度很明確這個龐大多龐大 這經費大概多少這個我們從件數來看 因為這個所有的件數都要必須透過我們授選工會去查詢我們看到統計到去年年底大概有超過一百萬件"},{"start":61.423,"end":89.13,"text":"金額呢金額我們看不到因為這只有案件必須要查過他一件一件去看所以這是一個比較難的地方大概什麼時候可以全部搞定這件事情假如我們修法過了如果說我真的這個如果說這個會期能過的話就按照剛才看的話那一百多萬件裡面有將近七成三七成四就是我們今天的健康跟傷害這能夠就把它直接就排除掉了這個會期如果通過法案"},{"start":89.89,"end":108.896,"text":"再加六個月可以全部處理完畢嗎這部分就要看我們的司法程序先要有法源再來第二個就是剩下的兩層多如果再把那個門檻再把它做一些排除的話我覺得就可以大幅降低我的問題還沒有回答我就是我們修法過了"},{"start":110.316,"end":134.293,"text":"基本上我也態度清楚了你的態度也清楚了我再Plus六個月給你處理完可以不可以處理完跟委員報告這可能要請教我們的司法體系這個我沒辦法代為回答我們當然希望儘快我們假設站在金管會協助的立場就這樣講我再問一個更直接直白的題目好了好不好如果一切都順利"},{"start":134.773,"end":160.645,"text":"沒有遭到任何的阻擾的話半年內休養完了plus半年是不是可以解決我們當然期待愈快愈好特別是比如說我們這可以來做一些協助假設比如說這裡面很多是由比如說我們金融機構所提出的話我們會盡量的請他們趕快去把這個東西完成這個所以基本上你樂觀見到所這個休養完畢以後半年內解決這個問題"},{"start":164.208,"end":170.936,"text":"我大概希望越快越好能夠比他更早我更期待這個我們可能就是真的要請那個但是如果我們的期望是越快越好"},{"start":182.608,"end":209.117,"text":"好 你還是沒有回答問題這個我們來看 壽險業淨紙商業跌了兩千億主要是匯率的問題 股票的問題債券的問題三殺根據IFAS 這裡面利息不足要增值喔他有一定的程序對 這個是不是會要求他們因為我查了一下啦 增值的公司也不多啦"},{"start":214.578,"end":221.347,"text":"主要現在正在增資計畫執行中的就是一家那當然持續的我們這個增資計畫不斷的會push他們這沒有問題"},{"start":226.594,"end":242.043,"text":"面對台幣可能會持續的升值那你們對上市櫃公司的監理的措施有沒有要加強的部分有沒有上市櫃的金融機構嗎還是上市櫃公司上市櫃公司也是你們管的啊"},{"start":242.643,"end":263.939,"text":"不是只有金融機構這個我們對上市櫃公司我們是主要上市櫃分兩大塊一個是金融的一個是非金融業對這兩個強度完全不同因為我們對上市櫃公司我們是做一個主要是做資訊的揭露還有整個盡量把它資訊揭露出來這個但我們對金融機構又加上上市櫃我們會看的是金融機構我們對金融機構"},{"start":265.84,"end":280.6,"text":"對他一些財務上面的影響的監控像剛剛委員提到RBC我們按照現在保險法的規定我們要看兩期兩期我們每半年看一次兩次以後他就進入到我們的警戒警戒我們會請他提一個計劃計劃"},{"start":283.644,"end":299.767,"text":"我們覺得再惡化我們就會請他增資這有一定的步驟請問你有沒有因為應付這個川普上來關稅的一個impact之後有沒有對他們要求做壓力測試這個是我們持續在處理確實我們對這個項目不是不是 我的問題是川普是要宣布對等關稅之後"},{"start":310.394,"end":321.731,"text":"這樣子造成全世界金融市場大混亂之後你們有沒有因為這樣子要求他們做壓力測試我們其實上有因應的做法"},{"start":322.814,"end":330.338,"text":"有沒有壓力測試?我們有在做這樣情境的分析壓力測試是一個制式的東西壓力測試是全面的,因應影響的影響"},{"start":345.925,"end":372.066,"text":"可見得沒有嘛沒有沒有這樣做只是說按照過去慣例到了就要做這個到了就要做那個沒有真正的做壓力測試根據不同的行業我們像我們銀行業的話我們就會沒有我就不講其他行業我覺得這個銀行業其實壓力測試是非常重要的但面對這一次你看美國的股會債三殺的情況之下壓力測試是非常重要的"},{"start":373.348,"end":384.245,"text":"這我同意吧你同意吧為什麼不做呢就跟委員講就一部分而已啦你有權任啦我們有做什麼時候可以做全面"},{"start":386.223,"end":402.87,"text":"這個部分我可不可以請銀行局局長來跟各位說明一下局長講一下什麼時候可以做前面包委員有針對這次川普所造成的衝擊我們相關的參數已經有改變了那我們大概預計會在今年的七八月左右會出來"},{"start":403.763,"end":427.546,"text":"七八月全面的金融業的壓力測試可以出來銀行業銀行業銀行業其他的證券不要證券不需要了證券不需要證券不需要好來第三個問題因為我們時間有限第三個問題主委站在你是一個證券市場的一個主管單位最高主管"},{"start":429.109,"end":453.586,"text":"你贊不贊成國安基金要擴大規模這個確實像文提到這不說主政不過我們當然是希望說因為國安基金的目的當時成立的市場的規模跟現在應該是有很大的差距所以如果說能夠加大這個市場穩定的機制我們是支持的其實我們看歷代歷次來看"},{"start":455.857,"end":471.833,"text":"這個argument 這個基本上是 我怕怎麼去形容它啦這是很獨特的 或者奇怪的一個argument因為我們現在市值 重新來 10年前 2015年它的市值就是24兆元 是吧"},{"start":474.655,"end":487.607,"text":"現在是70兆了 看起來跟我膨脹了這麼多所以這個國安基金擴大規模好像有必要聽起來都合理 相關的觀點也說對喔對喔 要我要可是我們仔細看喔 仔細看喔"},{"start":489.141,"end":516.237,"text":"根據過去進場的八次互談國安基金都花很少錢啦國安基金進去大家就安心啦所以國安基金是給大家安心的不是真正用那個錢啦最多起來那一次2000年的時候網路泡沫用了1227億你看在2020年的時候3月22日新冠肺炎只用了7億"},{"start":517.785,"end":540.497,"text":"只用了7億啊2022年俄互戰爭只用了545億啊這個是不是會說話啊五千億綽綽有餘啊這個你要把它增加幾億這個問題就在於是心理作用只要說喔國安基金緊扭啊大家都問了還有一個很重要的原因因為我們還有四大基金在旁邊護盤啊"},{"start":542.074,"end":548.699,"text":"四大基金在旁邊互攀 工股 行股在旁邊互攀錢有的是啊 政府一聲立下 啟動金幣"},{"start":550.452,"end":579.028,"text":"我這樣講對吧這個很多不是我們金管會所能夠了解的內容啦那我就給你提過數字啦 數字在這裡啦數字在這裡啦對 包括四大基金 公股 行庫都不是金管會對啦 那所以我剛才就問你嘛就是你的態度要不要擴大這個國安基金所以我剛才跟文報告過了我從我們資本市場安定的這個基礎角度來看規模已經長到這樣 我們是支持的"},{"start":579.688,"end":602.17,"text":"是支持的啦 但是就是從擴大的規模這麼大是支持可是從歷史事件來看 其實五千億是夠的啦因為他最多只用到一千兩百多億啊 政府一來啊 安啦 打個安來啊這個賣是一個心理作戰 很多在講古斯福西是跟心理作戰"},{"start":603.291,"end":628.928,"text":"是跟心理作戰有人去教這個啊心理投資學啊就是把規模擴大也是一種心理上面的層面很重要的影響可以說啦可以說啦心理這個我也沒想到要寒說擴大也可以擴大但是問題我就要讓大家知道其實國安基金的進來心理的護盤比實質的護盤更加重要因為代表國家重視這個問題是"},{"start":630.209,"end":649.479,"text":"大家就安心了請問你平盤以下禁止放空還要持續多久我們現在政策不是沒有到平盤以下禁止放空我們只是對比率有沒有做一個限制我們剛剛委員也有隨詢過我說這個東西我們在對外都是隨時滾動調整我們觀看的這些比如說我們國際的情勢是不是已經"},{"start":658.684,"end":660.165,"text":"市場終究要回到我們市場的機制去"},{"start":673.911,"end":674.151,"text":"現在數位存款"},{"start":696.162,"end":714.895,"text":"兩千多戶 兩千五百多萬戶就差不多一個人一戶這裡面我們結果有委員就執行過了這個銀行暫停用自然冷憑證因為那個很容易被砸棄我談到砸棄這個你們怎麼管"},{"start":715.575,"end":743.516,"text":"其實我們也關注到我們從今年年初開始對各銀行的警示帳戶我們做了非常嚴格的加強管控那很明顯的數位帳戶的這個警示帳戶比率是偏高的這件事情也是成為我們很重要的管控的點我們會持續要求這些經營數位銀行的要做好KYC一定要讓他這個警示帳戶的會不會加入什麼罰則啊什麼之類的"},{"start":744.537,"end":761.415,"text":"其實我們有我們現在就是透過雙指標的方式定期的去對他們加壓我想這部分這個警示帳戶特別在數位帳戶我們會來加強好時間到了最後一個小小的問題就是加密貨幣數位貨幣批賭批鄉民貸這個目前的管理態度是怎麼樣"},{"start":765.279,"end":792.279,"text":"就是我們現在有關這個虛擬資產的部分我們暗部就班我們今年還是一樣我們現在的虛擬資產管理專法的草案我們已經公告了就已經預告6月30號以前我們送進行政院審議那至於說P2P的部分我們4月20號他們終於他們的工會成立了我們開始進入到下一階段去我是說問你P2P因為你們昨天剛宣布說要讓他們成立工會他們已經成立 對所以基本上"},{"start":792.899,"end":809.575,"text":"但是你們還是不管啊錢不管啊這不是不管這個東西本來就是一個行程中的行業就像我們對融資公司的管理也是一樣必須真的很精準的去管理而不是只是為了納管的納管我想這還是一個比較負責任的態度謝謝好 謝謝賴昭偉接著請郭國文委員質詢"}]},"gazette":{"lineno":216,"blocks":[["賴委員士葆：（9時44分）謝謝主席，有請金管會彭主委。"],["主席：好，請彭主委。"],["彭主任委員金隆：委員早。"],["賴委員士葆：主委早。首先我想先請教，因為今天談到保險的相關題目，主委是不是態度很清楚地贊同主席所提到的，就是要執行的話，除了一些之外，壽險的不應該執行，是不是這個態度確定？"],["彭主任委員金隆：誠如我們的版本，我們希望能夠趕快解決社會非常龐大的社會成本問題，我們當然是態度很明確。"],["賴委員士葆：這個龐大有多龐大啊？這金額大概多少？"],["彭主任委員金隆：從件數來看，因為所有的件數都必須透過我們壽險公會查詢，統計到去年年底大概有超過一百萬件。"],["賴委員士葆：金額呢？"],["彭主任委員金隆：金額我們看不到，這個只有案件，必須要查、要一件一件去看，所以這也是比較難的地方。"],["賴委員士葆：這件事情大概什麼時候可以全部搞定？假如修法過了，什麼時候可以搞定？"],["彭主任委員金隆：如果這個會期能過，按照剛才看的，那一百多萬件裡面有將近七成三、七成四是健康跟傷害就能夠直接排除掉。"],["賴委員士葆：這個會期如果通過法案再加6個月可以全部處理完畢嗎？"],["彭主任委員金隆：這部分就要看我們的司法程序，先要有法源，再來第二個部分，剩下的兩成多如果再把門檻做一些排除，我覺得就可以大幅降低。"],["賴委員士葆：我的問題你還沒有回答，就是修法過了，基本上態度也清楚了，你的態度清楚了，我再plus 6個月給你，可不可以處理完？"],["彭主任委員金隆：跟委員報告，這可能要請教司法體系，我沒辦法代為回答，我們當然希望儘快，假設站在金管會協助的立場，比如未來……"],["賴委員士葆：就這樣講好了，我再問更直接、直白的題目，如果一切都順利，沒有遭到任何的阻撓，半年內修法完plus半年，是不是可以解決？"],["彭主任委員金隆：我們當然期待越快越好，特別是可以做一些協助，比如說這裡面很多是由金融機構所提出，我們會儘量請他們趕快把東西完成。"],["賴委員士葆：所以基本上你樂觀見到修法完畢以後半年內解決這個問題？樂觀？期待？"],["彭主任委員金隆：我當然希望越快越好。"],["賴委員士葆：所以半年算普通的不是非常快。"],["彭主任委員金隆：能夠比它更早我更期待。"],["賴委員士葆：6個月deadline應該是可以接受的吧？"],["彭主任委員金隆：這個真的是要請那個……我們期望越快越好。"],["賴委員士葆：你還是沒有回答我的問題。我們來看壽險業淨值3月跌了2,000億，主要是匯率的問題、股票的問題、債券的問題三殺，根據IFRS，RBC不足要增資。"],["彭主任委員金隆：它有一定的程序。"],["賴委員士葆：是不是會要求他們，因為我查了一下增資的公司也不多。"],["彭主任委員金隆：對。"],["賴委員士葆：不多，大概一家吧。"],["彭主任委員金隆：主要現在正在增資計畫執行中的就是一家，對。"],["賴委員士葆：就一家而已，是不是你們會要求他們增資？"],["彭主任委員金隆：當然，持續的增資計畫會不斷push他們，這沒問題。"],["賴委員士葆：面對臺幣可能會持續地升值，你們對上市櫃公司監理的措施有沒有加強的部分？"],["彭主任委員金隆：上市櫃的金融機構嗎？還是上市櫃公司？"],["賴委員士葆：上市櫃公司，也是你們管的，不是只有金融機構。"],["彭主任委員金隆：上市櫃公司我們主要……"],["賴委員士葆：上市櫃分兩大塊，一個是金融的、一個是非金融業。"],["彭主任委員金隆：對，這兩個強度完全不同，因為我們對上市櫃公司主要是做資訊的揭露，儘量把資訊揭露出來，但對金融機構，我們會看的是對金融機構一些財務上面影響的監控，像剛剛委員提到RBC，按照現在保險法的規定我們要看兩期，兩期每半年看一次，兩次以後就進入到警戒，警戒我們會請他提計畫，覺得再惡化就會請他增資，這有一定的步驟。"],["賴委員士葆：請問你因為川普上任後關稅的影響，有沒有對他們要求做壓力測試？有沒有、有沒有？"],["彭主任委員金隆：這是我們持續在處理，確實我們對……"],["賴委員士葆：不是，我的問題是川普4月2號宣布對等關稅造成全世界金融市場大混亂之後，你們有沒有因為這樣子要求他們做壓力測試，有沒有？"],["彭主任委員金隆：我們其實有因應的作法。"],["賴委員士葆：有沒有壓力測試？我就問你這個。"],["彭主任委員金隆：有在做這樣情境的分析。"],["賴委員士葆：有沒有壓力測試？我要這個答案。有沒有？有或者沒有？這不能模糊。"],["彭主任委員金隆：如果委員所提的壓力測試是比如說制式的東西，其實……"],["賴委員士葆：壓力測試是全面的，全面因應它的影響，可見得沒有嘛！"],["彭主任委員金隆：有。"],["賴委員士葆：你只是沒有這樣做，只是說按照過去慣例，這個到了就要做……"],["彭主任委員金隆：不是，委員講……"],["賴委員士葆：沒有真正的做壓力測試。"],["彭主任委員金隆：根據不同的行業，像銀行業我們就會……"],["賴委員士葆：沒有，我就不講其他行業，我就針對銀行業。其實壓力測試是非常重要的……"],["彭主任委員金隆：是，銀行業我們……"],["賴委員士葆：面對這一次你看美國股匯債三殺的情況之下，壓力測試是非常重要。"],["彭主任委員金隆：對，這我同意，非常同意。"],["賴委員士葆：你同意，為什麼不做呢？"],["彭主任委員金隆：有，跟委員講……"],["賴委員士葆：做一部分而已，沒有全面。"],["彭主任委員金隆：對，我們有做。"],["賴委員士葆：什麼時候可以做全面？"],["彭主任委員金隆：這個部分，我可不可以請銀行局局長跟委員說明？"],["賴委員士葆：好、好，可以，局長講一下什麼時候可以做全面？"],["童局長政彰：報告委員，針對這次川普造成衝擊，我們相關的參數已經有改變，預計大概今年的7、8月左右會出來。"],["賴委員士葆：7、8月全面金融業的壓力測試可以出來？"],["童局長政彰：銀行業。"],["賴委員士葆：銀行業，其他的證券不需要？好，因為我時間有限。第三個問題，主委你是現在證券市場單位最高的主管，你贊不贊成國安基金要擴大規模？"],["彭主任委員金隆：確實像委員提到，這不是我主政，不過因為國安基金的目的，當時成立的市場規模跟現在應該是有很大的差距，如果能夠加大市場穩定的機制，我們是支持。"],["賴委員士葆：其實歷次來看，argument基本上我不知道怎麼去形容，是很獨特的或者奇怪的argument，因為從10年前2015年它的市值是24兆，現在是70兆，看起來規模膨脹這麼多……"],["彭主任委員金隆：對，超過70兆。"],["賴委員士葆：所以國安基金擴大規模好像有必要，聽起來都合理，相關的觀念也說對、對、我要、我要，可是我們仔細看、仔細看！根據過去進場8次護盤，國安基金都花很少錢，國安基金一進去大家就安心，所以國安基金是給大家安心，不是真正用那個錢，最多只有那一次，2000年網路泡沫用1,227億，在2020年3月20號新冠肺炎只用7億。"],["彭主任委員金隆：對。"],["賴委員士葆：2022年俄烏戰爭只用545億啊！數字會說話，5,000億綽綽有餘，你要把它增加幾億問題，就在於是心理作用，只要說國安基金進去大家都穩了，還有一個很嚴重的原因，因為我們還有四大基金在旁邊護盤、公股行庫在旁邊護盤，錢有的是，政府一聲令下錢都進去了，我這樣講對吧？"],["彭主任委員金隆：這個很多不是金管會所能夠了解的內容。"],["賴委員士葆：沒有，我就跟你提過數字，數字在這裡。"],["彭主任委員金隆：我知道，包括四大基金公股行庫都不是金管會這邊……"],["賴委員士葆：對，所以我剛才就問你的態度，要不要擴大國安基金？"],["彭主任委員金隆：我剛才跟委員報告過，從資本市場安定的基礎角度來看，規模已經漲到這樣我們是支持的。"],["賴委員士葆：是支持的。就是從擴大規模這麼大是支持，可是從歷史事件來看其實5,000億是夠的，因為最多只用到一千兩百多億，政府要進來了，安啦、安啦，大家就安心了，這個是心理作用，很多在講股市分析是跟心理作戰，有人去教投資心理學。"],["彭主任委員金隆：把規模擴大也是一種心理層面很重要的因素。"],["賴委員士葆：可以喊啦，我也沒什麼太大意見，要喊擴大也可以擴大，但是問題我就要讓大家知道，其實國安基金進場，心理的護盤比實質的護盤更加重要，因為代表國家重視問題，大家就安心。"],["彭主任委員金隆：是。"],["賴委員士葆：請問我們平盤底下禁止放空還要持續多久？"],["彭主任委員金隆：現在政策沒有到平盤以下禁止放空，只是比率有做限制，剛才委員也有垂詢過，我說這個東西我們對外都是隨時滾動調整，我們觀看的這些比如國際的情勢是不是已經……"],["賴委員士葆：請問現在穩定了嗎？"],["彭主任委員金隆：現在當然比前一陣子4月穩定。"],["賴委員士葆：現在穩定很多了。"],["彭主任委員金隆：對，就是我們……"],["賴委員士葆：你要講穩定，投資人也有信心。"],["彭主任委員金隆：終究要回到市場的機制。"],["賴委員士葆：遛狗理論嘛！狗怎麼跑，最後還是跑回家，跑多久而已，這是有名的投資遛狗理論。"],["彭主任委員金隆：我們還是要回到市場機制。"],["賴委員士葆：我有一個小問題，現在數位存款已經有兩萬五千多萬戶了，差不多一個人一戶，有委員質詢過，有銀行暫停用自然人憑證，因為那個都會被詐欺，有談到詐欺，這個你們怎麼管？"],["彭主任委員金隆：其實我們有關注到，所以從今年年初開始對各銀行的警示帳戶，我們做了非常嚴格的加強管控，很明顯數位帳戶的警示帳戶比率是偏高的，這件事情也是成為我們很重要管控的點，我們會持續要求這些經營數位銀行要做好KYC，一定要讓警示帳戶的……"],["賴委員士葆：會不會加入什麼罰則之類的？"],["彭主任委員金隆：我們現在是透過雙指標的方式，定期的去對他們加壓，我想警示帳戶這部分，特別在數位帳戶，我們會來加強。"],["賴委員士葆：好，我的時間到了，最後一個小小的問題，加密貨幣、數位貨幣，P2P、鄉民貸，目前的管理態度是怎麼樣？"],["彭主任委員金隆：現在有關虛擬資產的部分，我們按部就班，今年還是一樣，現在的虛擬資產管理專法的草案，我們已經公告了、已經預告，6月30號以前送進行政院審議；至於P2P的部分，4月20號終於他們公會成立了，我們開始進入到下一階段。"],["賴委員士葆：我是問P2P，因為你們昨天剛宣布要讓他們成立公會。"],["彭主任委員金隆：他們已經成立公會。"],["賴委員士葆：但是你們還是不管啦！"],["彭主任委員金隆：不是，這個……"],["賴委員士葆：錢不管啦！"],["彭主任委員金隆：這不是不管，這個東西本來就是一個形成中的行業，就像我們對融資公司的管理也是一樣，必須真的很精準地去管理，而不是只是為了納管而納管，我想這是比較負責任態度，謝謝。"],["賴委員士葆：謝謝。"],["主席：謝謝賴召委。","接著請郭國文委員質詢。"]],"agenda":{"page_end":314,"meet_id":"委員會-11-3-20-10","speakers":["賴惠員","黃珊珊","羅智強","林德福","吳秉叡","賴士葆","郭國文","李彥秀","鍾佳濱","顏寬恒","羅明才","李坤城","黃國昌","陳玉珍","王世堅","林思銘","羅廷瑋","陳培瑜","徐富癸","徐欣瑩"],"page_start":249,"meetingDate":["2025-04-30"],"gazette_id":"1144301","agenda_lcidc_ids":["1144301_00007"],"meet_name":"立法院第11屆第3會期財政委員會第10次全體委員會議紀錄","content":"審查「保險法」15案：一、行政院函請審議、本院委員蔡其昌等19人、委員羅廷瑋等16人、委員\n王世堅等18人、委員徐富癸等16人、委員蔡其昌等19人、委員蔡易餘等18人、委員林思銘等18人\n分別擬具「保險法部分條文修正草案」等8案；二、本院委員鍾佳濱等21人擬具「保險法增訂第\n一百二十三條之一條文草案」案；三、本院台灣民眾黨黨團、委員陳超明等16人、委員羅智強等\n19人、委員李坤城等23人、委員賴瑞隆等17人、委員王美惠等17人分別擬具「保險法增訂第一百\n七十四條之二及第一百七十四條之三條文草案」等6案","agenda_id":"1144301_00006"}}},"supported_relations":[],"relations":[]}