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報告我 因為我從那個過去彭總裁 彭堅總裁或楊總裁我們都沒有對外宣稱說有所謂什麼防線可是大家認同的彭華聯防線就是28.5啊對於美元啊其實台幣的匯率也有升過超過28.5的情況是 就短暫一下不過在彭總裁任內感覺還蠻穩定的那對於本席在"},{"start":59.778,"end":82.738,"text":"之前所提的主權基金其實有兩個人提案一個是吳欣穎前立委吳委員以及本席共同提案當初就希望提出主權基金的概念來配合國內的重要的企業發展可以起一個"},{"start":83.659,"end":110.925,"text":"到處帶著資金可以去跟技術結合的投資對於主權基金那嚴副總裁你覺得這個基金的size大概要多大規模要多大其實這還是要看整個那種國家主權基金我們政府希望它要多大的規模其實我很難在這邊跟農委主權基金多少"},{"start":113.519,"end":140.264,"text":"大概一兆多規模是算是非常大的幾個 新加坡 淡馬市等等全部大概都是一兆多以上是吧那個委員我這邊沒有資料所以我沒辦法跟您直接那央行對於當初我們是希望說從外匯存底裡面來提撥大概百分之十就是現在外匯存底是多少"},{"start":142.776,"end":159.93,"text":"5,828億左右大概是500多億也是大概相當1.5兆左右那央行的態度是怎麼樣我們在5月8號的總裁在這邊的報告已經很明確的點出我們對於這個主權基金裁員有三種方式"},{"start":161.004,"end":184.749,"text":"我們上次已經提過就是財政部發債財政部撥款或者財政部出資這樣子的方式那央行在這個過程裡面可能在某一塊可以做一些適度的協助那央行要不要投資這就是看整個政府對於這個基金的管理的設置那我們請財政部莊部長一起"},{"start":188.581,"end":212.972,"text":"一統 還有金管會 彭主委一起三位一起那剛提到 央行它不出錢 財務部要準備出多少錢第一個 這個主權基金的規模要多大那第二個就是它財務來源要多少一兆多以上啊一兆多這麼大的規模是嗎對好 那你這個錢準備從哪裡來"},{"start":215.892,"end":234.757,"text":"發債還是第一個我們的稅計剩餘其實並沒有那麼高那第二個就是說如果要發債的話現在公共債務法裡面並沒有涵蓋就是說可以去發債挹注主權基金所以是必要成立專法由專法裡面來做規範"},{"start":235.987,"end":252.42,"text":"所以現在財政部有沒有錢可以來投資基金?財政部的錢就是國庫的錢國庫有沒有錢?國庫的錢在我們的預算書上都非常清楚稅入、稅出、稅計、剩餘以及債務都呈現得很清楚所以講起來就是沒有錢是不是?來我幫你找一條錢,請那個彭主委"},{"start":254.977,"end":278.943,"text":"黃主席本席在這裡曾提過保險法第146條之事的提出如果在前年可以通過然後遵照我們立法院通過的決議來做的話你知道現在所有的保險公司投資在美國的公司債以及美國公債加起來的總資產大概有多少超過20兆"},{"start":281.071,"end":310.314,"text":"20兆20兆的部分投資美元資產的大概有多少大概應該是九成以上都是美元資產所以大概18兆應該有這個數字主委你想想看如果大概在一年多前本席所提案的通過的話20兆就回來10兆但是那是屬於回來10兆的話最近的話因為台幣的升值大概減損的漲上大概10%左右事實上"},{"start":311.854,"end":319.245,"text":"主委 一個動作我就幫所有的保險公司多賺了一兆啊而且你回來台灣"},{"start":320.992,"end":348.441,"text":"當初如果我們來台灣有很多很多大家都知道未來的世界就是AI的世界這是很重要的一個產業吧主委認不認同我想應該全世界大部分人都認同這個好 那我再請那個關務署我把他的數據讓你參考一下關務署長最清楚了去年大概物流進進出出外銷的部分"},{"start":349.775,"end":353.003,"text":"AI的部分佔的比例大概有多少"},{"start":354.782,"end":379.559,"text":"蕭美國的部分蕭美國的部分 包委員這數字我必須要再查一下你要查一下 因為這個不可以不知道那黃仁勳你認不認識報紙看過希望你可以跟他多聊聊你要來協助他為什麼黃仁勳他找了一共大概一百多個產業要組成一個"},{"start":381.506,"end":402.902,"text":"聽台灣一個團隊其中包括國泰金控包括玉山金控都入列為什麼因為他這個產業周邊大概比較重要的大概有45家一個數據你去查一下就知道去年"},{"start":404.151,"end":431.64,"text":"進出在自由貿易港區出去的部分總共金額是三兆多AI相關的產業NVIDIA的那一棟就在遠雄自貿港區的那一棟大概就接近兩兆所以希望署長你要把那些數字查出來來告訴提供這些重要的財經長官他們來做判斷是"},{"start":432.912,"end":435.655,"text":"所以未來的發展,台灣如何在國際上發光發亮,掌控未來,事實上除了技術之外,就是後面的晶圓"},{"start":453.339,"end":471.925,"text":"你要投資啊那主委你贊不贊成剛剛本席所提的海外的這些資金你可以回來就是當我們成立主權基金的時候看什麼樣的方式他們也可以投入當然這個屬性上有所差別因為這是屬於保險業的資產"},{"start":473.345,"end":483.195,"text":"他必須要轉換成某一個工具才有辦法做投入比如剛剛委員提到假設政府是以舉債的方式如果他的條件合一的話我們也會鼓勵我們的保險業來投資這樣的一個這個也符合他們長期投資的債券"},{"start":491.002,"end":518.324,"text":"是 主委你有沒有算過所有的保險公司在海外的部分現在所持有的美國公債以及美國公司債加起來你講個多少現在我剛剛跟我們報告那個數字裡面其實持有美國公債大概五千七百億左右台幣五千七百億那其他的部分大部分都是公司債居多好 那如果台幣繼續升值升值到二十七塊的時候對這些保險公司會產生什麼樣的影響"},{"start":519.076,"end":541.287,"text":"我想任何一個匯率的波動對於我們有這麼巨大在海外資產如果說沒有做相對應的避險當然對財報賬戶上是會有蠻大的波動我也上次講過假設我想很多媒體也揭露過就是我們現在大概是假設以六兆是沒有避險的話那相當於兩千億"},{"start":543.468,"end":556.192,"text":"兩千億美元的話大概就是一塊錢大概就是一千五百億到兩千億左右的影響數我想漲跌大概就是這樣一個幅度所以本席擔心的是因為這樣的狀況不斷的出現讓國內就受險公司的RBC每下預礦"},{"start":562.154,"end":582.068,"text":"現在低於300的有幾間?我剛剛也跟委員報告過因為我們RBC的計算是以6月30號跟12月31號假如是12月31號的我們最近那一期的話其實大概有一家是不符合RBC的比例接下來6月30號必須要到7月或8月才能算得出來"},{"start":583.12,"end":605.119,"text":"要嚴密監控啊當然我們每天都在監控該增資的有沒有要求他們要增資增資保險法有一定的規定不是說一到了不足兩百就增資它有一套非常非常周延的增資方法我們不能每次出了事情或者是下一個情況不好的時候仰賴保險安定基金保險安定基金現在有多少錢"},{"start":607.763,"end":634.523,"text":"當然安定基金不能只看那個啦他現在的基金大概四百多億四百多億一千出問題你都沒辦法解決啊我想他不是只靠這個他有其他財源就像比如說我們在過去的經驗裡面呢大家都比如說可以我們依法可以舉借這部分過去大概都是這麼做的好 那主委我們看到現在房地產的這個放貸啊有很多很多的這個情況比預期還糟"},{"start":637.627,"end":639.954,"text":"請問現在的房地產有違約的"},{"start":641.653,"end":665.544,"text":"比例有沒有增加剛剛我在那個報告的時候呢我們現在的房貸的違約只有0.07%0.07%連0.1%都不到那這個建商的部分是0.16%這個都是史上很低的很低的這個程度我想這個餘放比例呢還在非常低的請問什麼數字最近是不斷的竄升的"},{"start":667.505,"end":686.29,"text":"我想有媒體揭露那個絕對數字的部分因為當然我們的量體越大當然數字就會增加但是那個比率還是維持一樣而且在一個非常低的水準特別是我們的自用的房貸的部分請多注意一下這樣的情況最後一個問題金融風暴會不會再度來襲"},{"start":693.558,"end":716.574,"text":"這個我想就一個金融監理機關每天都要有這樣的一個預備這是我們的日常好 謝謝那個央行謝謝美國的殖利率30年期的公債漲到5%啦美元的地位不保央行有沒有調節我們的外匯存底美金的比例"},{"start":718.22,"end":738.253,"text":"我想那個長期以來我們會隨時去注意到國際的金融情勢我們會做適度的適度一直都有做適度的調整最近有調整嗎老師說我沒有資料但是我知道我們固定都會有看那個國外的經濟金融情勢變動做適度的調整好 多小心啦 謝謝謝謝羅恩的質詢下面請李坤城委員質詢請"}]},"gazette":{"lineno":869,"blocks":[["羅委員明才：（11時19分）主席、各位委員、出列席官員，大家好。主席，請央行嚴副總裁。"],["主席：請嚴副總裁。"],["羅委員明才：嚴副總裁，你好。"],["嚴副總裁宗大：委員好。"],["羅委員明才：最近台幣的漲勢稍微緩和一點，面對未來有沒有可能，因為彭總裁你比較熟吧？彭淮南。"],["嚴副總裁宗大：是。"],["羅委員明才：你比較久了。上次提到彭總裁，有人說沒有彭淮南防線，究竟彭淮南防線是指幾塊錢？"],["嚴副總裁宗大：報告委員，因為從過去彭前總裁或楊總裁，我們都沒有對外宣稱有所謂什麼防線的問題……"],["羅委員明才：可是大家認同的彭淮南防線就是28.5台幣對1美元。"],["嚴副總裁宗大：其實台幣的匯率也有升值超過28.5的情況。"],["羅委員明才：是，就是短暫期間，不過在彭總裁任內，感覺匯率還滿穩定的。本席之前所提的主權基金，其實有兩個人提案，一個是前立委吳欣盈委員，以及本席共同提案，當初就希望提出主權基金的概念，配合國內重要企業的發展，可以起一個到處帶著資金可以去跟技術結合的投資。對於主權基金，嚴副總裁，你覺得這個基金的size大概要多大、規模要多大？"],["嚴副總裁宗大：這還是要看整個國家主權基金，我們政府希望它要多大的規模，其實我很難在這邊跟您……"],["羅委員明才：挪威主權基金多少？大概一兆多。"],["嚴副總裁宗大：規模算是非常大的，挪威或……"],["羅委員明才：幾個主權基金，包含新加坡淡馬錫等等，全部大概都是一兆多以上，是吧？"],["嚴副總裁宗大：委員，我這邊沒有資料，所以我沒辦法跟您直接報告。"],["羅委員明才：當初我們是希望從外匯存底裡面來提撥大概10%，現在外匯存底是多少？"],["嚴副總裁宗大：5,828億左右。"],["羅委員明才：對，大概是五百多億，也是大概相當1.5兆左右，那央行的態度是怎麼樣？"],["嚴副總裁宗大：5月8號我們總裁在這邊的報告已經很明確的點出，主權基金的財源有三種方式，我們上次已經提過就是財政部發債、財政部撥款，或者財政部出資這樣的方式，那央行在這個過程裡面，可能在某一塊可以做一些適度的協助。"],["羅委員明才：那央行要不要投資？"],["嚴副總裁宗大：這就看整個政府對於這個基金的管理設置……"],["羅委員明才：好，那我們請財政部莊部長一同，還有金管會彭主委也一起，請三位一起。"],["莊部長翠雲：委員好。"],["羅委員明才：剛剛提到央行不出錢，財政部要準備出多少錢？"],["莊部長翠雲：第一個，這個主權基金的規模要多大？第二個就是它的財務來源要多少，對不對？"],["羅委員明才：剛剛有講，一般都一兆多以上。"],["莊部長翠雲：一兆多這麼大的規模是嗎？"],["羅委員明才：對。"],["莊部長翠雲：好。"],["羅委員明才：那這個錢你準備從哪裡來？發債還是？"],["莊部長翠雲：第一個，我們的歲計賸餘並沒有那麼高；第二個，如果要發債的話，現在公共債務法裡面並沒有涵蓋可以去發債挹注主權基金，所以勢必要成立專法，由專法來做規範。"],["羅委員明才：所以現在財政部有沒有錢可以來投資基金？"],["莊部長翠雲：財政部的錢就是國庫的錢。"],["羅委員明才：國庫有沒有錢？"],["莊部長翠雲：國庫的錢在我們的預算書上都寫得非常清楚，歲入、歲出、歲計賸餘以及債務都呈現得很清楚。"],["羅委員明才：講起來就是沒有錢，是不是？來，我幫你找一條錢。","來，請彭主委。","彭主委，本席在這裡曾提過保險法第一百四十六條之四的提出，如果在前年可以通過，就遵照我們立法院通過的決議來做的話，你知道現在所有保險公司投資在美國的公司債以及美國公債，加起來的總資產大概有多少？"],["彭主任委員金隆：超過20兆。"],["羅委員明才：20兆當中，投資美元資產的大概有多少？"],["彭主任委員金隆：大概應該九成以上都是美元資產。"],["羅委員明才：所以大概18兆？"],["彭主任委員金隆：應該有這個數字。"],["羅委員明才：主委，你想想看，如果大概在一年多前，本席所提的案通過的話，20兆就回來10兆……"],["彭主任委員金隆：但是那是屬於……"],["羅委員明才：回來10兆的話，最近因為台幣升值，帳上的減損大概10%，事實上，主委，一個動作我就幫所有的保險公司多賺了1兆啊！"],["彭主任委員金隆：如果臺灣……"],["羅委員明才：而且回來臺灣，當初如果回來臺灣……"],["彭主任委員金隆：如果臺灣也有部分投資標的的話……"],["羅委員明才：有很多很多，大家都知道，未來的世界就是AI的世界，這是很重要的一個產業吧！主委認不認同？"],["彭主任委員金隆：我想應該全世界大部分人都認同這個。"],["羅委員明才：好，我再請關務署，我把他的數據讓你參考一下。關務署長最清楚了，去年物流進進出出外銷的部分，AI的部分占的比例大概有多少？銷往美國的部分。"],["彭署長英偉：銷往美國的部分？報告委員，這個數字我必須要再查一下。"],["羅委員明才：你要查一下，因為這個不可以不知道。"],["彭署長英偉：那個AI的項目非常多。"],["羅委員明才：那黃仁勳你認不認識？"],["彭署長英偉：在報紙上看過。"],["羅委員明才：看過喔？希望你可以跟他多聊聊，你要來協助他。為什麼黃仁勳找了一共大概一百多個產業，要組成一個Team Taiwan團隊，其中包括國泰金控，包括玉山金控都入列，為什麼？因為他這個產業周邊比較重要的大概有45家，你去查一下一個數據就知道，去年的進出口，從自由貿易港區出去的部分，總共金額是三兆多，AI相關的產業，NVIDIA的那一棟，就在遠雄自貿港區的那一棟，大概就接近兩兆。所以希望署長，你要把那些數字查出來，提供給這些重要的財經長官來做判斷。"],["彭署長英偉：是。"],["羅委員明才：好，謝謝。"],["彭署長英偉：謝謝。"],["羅委員明才：接著請彭主委。","彭主委，他們的數字都會給你，所以未來的發展，臺灣如何在國際上發光發亮、掌控未來，除了技術之外就是後面的金援，你要投資啊。主委，你贊不贊成剛剛本席所提的，海外的資金可以回來，當我們成立主權基金的時候，看用什麼樣的方式他們也可以投入？"],["彭主任委員金隆：當然這個屬性上也有所差別，因為這是屬於保險業的資產，他必須要轉換成某一個工具才有辦法做投入，比如剛剛委員有提到，假設政府是以舉債的方式，如果他的條件合宜的話，我們也會鼓勵……"],["羅委員明才：他可以買債啊。"],["彭主任委員金隆：我們也鼓勵我們的保險業來投資這樣一個也符合他們長期投資的債券。"],["羅委員明才：主委，你有沒有算過，所有保險公司在海外的資產，現在所持有的美國公債以及美國公司債加起來一共有多少？"],["彭主任委員金隆：我剛剛跟委員報告的那個數字裡面，其實持有美國公債大概5,700億左右的台幣，其他的大部分都是公司債居多。"],["羅委員明才：好。那如果台幣繼續升值，升值到27塊的時候，對這些保險公司會產生什麼樣的影響？"],["彭主任委員金隆：我想任何匯率的波動，對於有這麼巨大的海外資產，如果沒有做相對應的避險，當然對財報帳務上是會有蠻大的波動。我上次也講過，我想很多媒體也揭露過，我們現在假設有6兆相當於2,000億美元是沒有避險的話，匯率波動一塊錢大概就是1,500億到2,000億左右的影響數，我想漲跌大概就是這樣的幅度。"],["羅委員明才：本席擔心的是，因為這樣的狀況不斷的出現，讓國內壽險公司的RBC每下愈況，現在低於三百的有幾間？"],["彭主任委員金隆：我剛剛也跟委員報告過，因為我們RBC的計算是以6月30號跟12月31號，假設12月31號我們最近那一期的話，其實有一家大概是不符合RBC的比率，接下來6月30號這一次，必須要到7月或8月才能算得出來。"],["羅委員明才：要嚴密監控。"],["彭主任委員金隆：當然，我們每天都在監控。"],["羅委員明才：該增資的，有沒有要求他們要增資？"],["彭主任委員金隆：增資部分保險法有一定的規定，不是說一到了不足兩百就增資，它有一套非常非常周延的增資……"],["羅委員明才：主委，我們不能每次出了事情，或者是下一個情況不好的時候就仰賴保險安定基金。保險安定基金現在有多少錢？"],["彭主任委員金隆：當然安定基金不能只看那個啦！現在的基金大概四百多億。"],["羅委員明才：四百多億，一間出問題你都沒辦法解決啊！"],["彭主任委員金隆：沒有，我想它不是只靠這個，它有其他的財源，比如說我們在過去的經驗裡面，我們依法可以舉借，這部分過去大概都是這麼做的。"],["羅委員明才：好，主委，我們看到現在房地產的放貸有很多很多的情況比預期還糟，請問現在這些房地產有違約的，比率有沒有增加？"],["彭主任委員金隆：剛剛我在報告的時候，我們現在房貸的違約只有0.07%，連0.1%都不到，建商的部分是0.16%，這個都是史上很低很低的程度，我想這個逾放比率還在非常低的……"],["羅委員明才：請問什麼數字最近是不斷竄升的？"],["彭主任委員金隆：有媒體揭露那個……"],["羅委員明才：是跳票還是什麼？"],["彭主任委員金隆：絕對數字的部分，因為我們的量體越大，當然數字就會增加，但是那個比率還是維持一樣，而且在一個非常低的水準，特別是自用房貸的部分。"],["羅委員明才：好，請多注意一下這樣的情況。"],["彭主任委員金隆：當然、當然，我們每年都會注意這件事情。"],["羅委員明才：最後一個問題，金融風暴會不會再度來襲？"],["彭主任委員金隆：我想就一個金融監理機關，每天都要有這樣的預備，這是我們的日常。"],["羅委員明才：好，謝謝。接下來請央行。"],["彭主任委員金隆：謝謝。"],["羅委員明才：美國的殖利率，30年期的公債漲到5%，美元的地位不保，央行有沒有調節我們外匯存底美金的比例？"],["嚴副總裁宗大：我想長期以來，我們會隨時去注意國際的金融情勢，一直都有做適度的調整。"],["羅委員明才：最近有調整嗎？"],["嚴副總裁宗大：老實說我沒有資料，但是我知道我們固定都會看國外的經濟金融情勢變動，做適度的調整。"],["羅委員明才：好，要多小心啦！謝謝。"],["嚴副總裁宗大：謝謝。"],["主席（賴委員士葆）：謝謝羅委員的質詢。","下一位請李坤城委員質詢。"]],"agenda":{"page_end":380,"meet_id":"委員會-11-3-20-13","speakers":["賴士葆","林德福","吳秉叡","郭國文","賴惠員","李彥秀","鍾佳濱","羅明才","李坤城","顏寬恒","黃珊珊","陳玉珍","林思銘","王世堅","林楚茵","廖先翔","邱志偉","楊瓊瓔","陳冠廷"],"page_start":299,"meetingDate":["2025-05-21"],"gazette_id":"1145101","agenda_lcidc_ids":["1145101_00009"],"meet_name":"立法院第11屆第3會期財政委員會第13次全體委員會議紀錄","content":"一、邀請財政部、金融監督管理委員會、中央銀行就「房屋稅2.0課徵亂象與金融機構對不動產\n融資緊縮及中央銀行信用管制措施對房地產交易之影響」進行專題報告，並備質詢；二、處理中\n華民國 114 年度中央政府總預算決議有關金融監督管理委員會主管預算凍結書面報告案 39 案；\n三、處理中華民國114年度中央政府總預算決議有關金融監督管理委員會主管預算凍結專案報告\n案9案","agenda_id":"1145101_00008"}}},"supported_relations":[],"relations":[]}