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主委我特別看了您之前的幾個公開談話尤其是在9月6號有關於這個談到保險金融因應高齡化社會的四個大改變當中其實我非常有感啦我想今天在場的許多人面對我們接下來下一個世代不只是剛剛委員提到的什麼打炸啦我認為人口的問題其實是蠻重要的"},{"start":53.664,"end":68.808,"text":"那麼過去當然台灣都說我們因為生育率的關係有所謂的人口問題但是事實上我們可能也正在迎接的是下一波的人口紅利也就是其實我們這些所謂比較有資歷的年長者他其實重新回到社會的可能性是高的而且非常有可能就像過去電影講的高年級實習生他們不一定真的是實習生而是創造社會的第二春"},{"start":83.072,"end":103.877,"text":"那麼您特別提到就是說因應這個高齡化的社會思維要做改變但是本席現在提出來的這個問題我想它是一直存在於銀行之間的一個潛規則我剛剛上海之前有先特別google了一下主委今年60可以公佈啦不算秘密那本人也年過50那麼"},{"start":106.358,"end":129.305,"text":"對於我們來說我們現在都講我們是處於在職涯上面的壯年我們現在也不會講說我們是中年了那麼面對這樣的一個狀況的時候那麼在過去我們講普惠金融但接下來的下一步是不是一個可以迎接權齡化社會的權齡金融我想這個之前我們也談過"},{"start":130.365,"end":138.35,"text":"過去我曾經非常肯定就是在普惠金融的時候推出這個以防養老就是提供高齡者可以用自己的不動產"},{"start":139.847,"end":160.342,"text":"去借款給銀行然後未來換取自己的生活費最後有朝一如果他離開了他的房子不一定需要留給子孫可能就是直接把它變成是給銀行去做其他的處理因為我已經有享受到我過去累積下來的財富但是我也必須強調面對高齡化的社會當中現在銀行的貸款"},{"start":165.365,"end":188.312,"text":"他沒有明定但是他其實普遍來說他就是受貸者的年齡加貸款的期限不可以大於75有一些銀行他甚至於可能會更下降可能是65或甚至於是70那麼面對這樣的一個狀況他等於就排擠了"},{"start":189.272,"end":206.089,"text":"高齡者購屋上面他所受到的貸款的壓力你可以貸但是呢你的年限無法貸那麼長那你等於就是你必須要付更高額的租金或者更高額的所謂包括這個費用等等那我要強調的是如果我們要面臨全齡化的金融的時候"},{"start":212.455,"end":224.288,"text":"那麼這樣的一個潛規則有沒有可能先被突破而且它不是個案性的突破因為我相信啦如果今天是郭台銘或者是黃仁勳他要回來台灣要來置產"},{"start":227.873,"end":244.795,"text":"銀行一定會搶著給但我不希望是這樣而是我們整體就像您所提到的思維要改變服務內容要革新技術跟方法的突破還有法規跟監理要調整這是您當時提到的金融跟保險業因應高齡化社會的四大改變"},{"start":245.436,"end":262.127,"text":"那像這樣的潛規則有沒有可能改變不然的話台灣現在我們平均的年齡是80女生是84.3歲男性是77平均是80以現在這個潛規則那麼就有可能已經"},{"start":263.348,"end":282.476,"text":"超過我們的平均年齡都已經超過80了來 主委謝謝 謝謝委員用這個全齡金融我非常喜歡這個字啦這個確實把那個inclusive這個字眼全部涵蓋我覺得這個就是特別是台灣面臨到高齡化的時候剛剛舉的那個貸款只是其中一個是"},{"start":282.836,"end":299.02,"text":"那我上任以後呢我就跟同仁講說我們先要把年齡這個東西把它去標籤化我說高齡化是我們無法阻卻的趨勢如果我們金融業不改變觀念不改變未來的技術不改變未來提供的服務還有法規不改變的話這個對我們是個威脅"},{"start":301.201,"end":325.84,"text":"如果我們這邊都可以改的話這就是一個莫大的機會所以我想剛才委員講就是我們未來金管會要走的方向就是說我們希望第一個讓我們的金融業未來有更寬廣的那個範圍而且這寬廣範圍是要服務真正的民眾的需要到最後剛才委員說我60歲確實我現在也在思考說我接下來要怎麼做那我也擔心可能我到70歲很多事情可能金融服務就不會涵蓋到我了"},{"start":326.4,"end":348.017,"text":"那我接下來但是未來我還是在這個社會上我還是有這些需求但是我們要跟我們所有金融機構來看普惠的概念就是全聯金融主委其實我把這個點點出來當然不是硬性的規定說從今之後請金管會去要求所有的銀行在放貸款的時候就撇開年紀這個部分"},{"start":349.478,"end":377.89,"text":"但是像這樣的潛規則的存在其實不用騙大家大家都知道你去辦過房貸你就知道他會給你一個年限給你一個年紀那這個部分我希望就像如您所說的不要性別歧視也不要年齡歧視而是去看這一棟房子我們都知道你在辦貸款的時候房子就是擔保品嘛這個房子的擔保品包括你能夠負擔的部分而不要把它變成是歧視的部分那我想這個會是改進的第一步也是"},{"start":378.81,"end":400.13,"text":"對於面對高齡化社會的所謂高齡化的金融服務來講非常重要的第一步對 我再插一句話就是說實際上假設我們金融機構還是沿襲以前的技術是做不到這個所以我剛才講你的經營技術方法也要變就是說你要想想看有沒有什麼其他的方法可以解決我們過去所擔心的問題這是我們要來努力的好 謝謝謝謝林委員"}]}},"supported_relations":[],"relations":[]}