{"error":false,"id":["167026"],"data":{"IVOD_ID":167026,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/167026","日期":"2026-01-12","會議資料":{"會議代碼":"聯席會議-11-4-26,20-1","會議代碼:str":"第11屆第4會期社會福利及衛生環境、財政委員會第1次聯席會議","屆":11,"會期":4,"會次":1,"臨時會會次":null,"種類":"聯席會議","委員會代碼":[26,20],"委員會代碼:str":["社會福利及衛生環境委員會","財政委員會"],"標題":"第11屆第4會期社會福利及衛生環境、財政委員會第1次聯席會議"},"影片種類":"Clip","開始時間":"2026-01-12T09:50:38+08:00","結束時間":"2026-01-12T09:59:51+08:00","影片長度":"00:09:13","支援功能":["ai-transcript"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/3ab52049cf0a1ce019a1e4fefc4f8a7e307671192a7c66aa89ddda9214312ca77fa58c9f4dc8bf975ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"林德福","委員發言時間":"09:50:38 - 09:59:51","會議時間":"2026-01-12T09:00:00+08:00","會議名稱":"立法院第11屆第4會期社會福利及衛生環境、財政委員會第1次聯席會議（事由：審查國民黨黨團、台灣民眾黨黨團擬具「臺灣未來帳戶特別條例草案」案。）","transcript":{"pyannote":[{"speaker":"SPEAKER_01","start":0.03096875,"end":2.44409375},{"speaker":"SPEAKER_01","start":2.8153437500000003,"end":4.7897187500000005},{"speaker":"SPEAKER_00","start":8.586593750000002,"end":10.476593750000003},{"speaker":"SPEAKER_00","start":13.125968750000002,"end":15.235343750000002},{"speaker":"SPEAKER_01","start":16.180343750000002,"end":34.48971875},{"speaker":"SPEAKER_01","start":35.11409375,"end":38.15159375},{"speaker":"SPEAKER_01","start":38.37096875,"end":51.752843750000004},{"speaker":"SPEAKER_00","start":47.33159375,"end":47.38221875},{"speaker":"SPEAKER_00","start":47.48346875,"end":47.65221875},{"speaker":"SPEAKER_01","start":52.12409375,"end":52.697843750000004},{"speaker":"SPEAKER_01","start":53.507843750000006,"end":70.02846875},{"speaker":"SPEAKER_00","start":61.759718750000005,"end":62.21534375},{"speaker":"SPEAKER_00","start":70.02846875,"end":71.32784375},{"speaker":"SPEAKER_00","start":72.18846875,"end":90.46409375},{"speaker":"SPEAKER_00","start":91.49346875,"end":92.86034375000001},{"speaker":"SPEAKER_00","start":93.88971875,"end":128.68596875},{"speaker":"SPEAKER_01","start":96.65721875000001,"end":97.18034375},{"speaker":"SPEAKER_01","start":127.80846875,"end":128.51721875},{"speaker":"SPEAKER_00","start":128.85471875000002,"end":129.96846875},{"speaker":"SPEAKER_01","start":129.96846875,"end":159.70221875000001},{"speaker":"SPEAKER_00","start":131.67284375,"end":132.26346875000002},{"speaker":"SPEAKER_00","start":132.66846875000002,"end":133.07346875000002},{"speaker":"SPEAKER_00","start":133.52909375000002,"end":133.59659375},{"speaker":"SPEAKER_01","start":161.38971875000001,"end":162.33471875},{"speaker":"SPEAKER_01","start":162.43596875,"end":167.61659375000002},{"speaker":"SPEAKER_01","start":168.13971875000001,"end":202.96971875000003},{"speaker":"SPEAKER_00","start":190.51596875,"end":191.32596875000002},{"speaker":"SPEAKER_01","start":203.62784375,"end":205.43346875},{"speaker":"SPEAKER_01","start":205.87221875,"end":207.57659375},{"speaker":"SPEAKER_01","start":207.82971875,"end":223.82721875000001},{"speaker":"SPEAKER_00","start":209.65221875,"end":209.77034375000002},{"speaker":"SPEAKER_02","start":223.91159375,"end":234.57659375000003},{"speaker":"SPEAKER_01","start":227.84346875000003,"end":227.97846875000002},{"speaker":"SPEAKER_01","start":228.02909375000002,"end":228.04596875000001},{"speaker":"SPEAKER_01","start":232.75409375,"end":236.71971875000003},{"speaker":"SPEAKER_02","start":236.09534375,"end":236.55096875},{"speaker":"SPEAKER_02","start":236.71971875000003,"end":236.73659375000003},{"speaker":"SPEAKER_01","start":236.73659375000003,"end":236.75346875000002},{"speaker":"SPEAKER_02","start":236.75346875000002,"end":238.54221875000002},{"speaker":"SPEAKER_01","start":236.77034375000002,"end":237.19221875000002},{"speaker":"SPEAKER_01","start":238.42409375000003,"end":242.33909375000002},{"speaker":"SPEAKER_01","start":242.62596875000003,"end":244.98846875},{"speaker":"SPEAKER_02","start":245.19096875000002,"end":247.75596875000002},{"speaker":"SPEAKER_01","start":246.72659375,"end":247.41846875000002},{"speaker":"SPEAKER_01","start":247.75596875000002,"end":295.68096875000003},{"speaker":"SPEAKER_01","start":296.28846875,"end":316.16721875},{"speaker":"SPEAKER_01","start":316.45409375,"end":316.84221875000003},{"speaker":"SPEAKER_01","start":317.29784375,"end":318.91784375000003},{"speaker":"SPEAKER_01","start":319.42409375,"end":324.11534375},{"speaker":"SPEAKER_01","start":324.13221875,"end":328.28346875},{"speaker":"SPEAKER_01","start":328.58721875000003,"end":330.89909375},{"speaker":"SPEAKER_00","start":331.91159375,"end":347.94284375},{"speaker":"SPEAKER_00","start":348.63471875000005,"end":349.86659375000005},{"speaker":"SPEAKER_01","start":349.86659375000005,"end":349.96784375000004},{"speaker":"SPEAKER_01","start":350.28846875000005,"end":351.04784375},{"speaker":"SPEAKER_00","start":351.04784375,"end":351.16596875000005},{"speaker":"SPEAKER_01","start":351.16596875000005,"end":365.91471875},{"speaker":"SPEAKER_01","start":366.30284375,"end":385.99596875000003},{"speaker":"SPEAKER_01","start":386.35034375000004,"end":387.73409375},{"speaker":"SPEAKER_01","start":387.88596875,"end":387.90284375000005},{"speaker":"SPEAKER_00","start":387.90284375000005,"end":388.51034375},{"speaker":"SPEAKER_03","start":397.50471875000005,"end":401.89221875000004},{"speaker":"SPEAKER_03","start":402.09471875,"end":404.42346875000004},{"speaker":"SPEAKER_03","start":404.65971875,"end":409.77284375000005},{"speaker":"SPEAKER_01","start":409.60409375,"end":422.53034375000004},{"speaker":"SPEAKER_01","start":422.78346875000005,"end":434.73096875000005},{"speaker":"SPEAKER_01","start":434.86596875000004,"end":445.93596875000003},{"speaker":"SPEAKER_01","start":446.57721875000004,"end":458.94659375000003},{"speaker":"SPEAKER_00","start":459.35159375,"end":459.97596875000005},{"speaker":"SPEAKER_01","start":460.34721875,"end":468.80159375000005},{"speaker":"SPEAKER_01","start":469.03784375000004,"end":472.39596875},{"speaker":"SPEAKER_00","start":473.12159375000005,"end":477.32346875},{"speaker":"SPEAKER_00","start":478.43721875000006,"end":479.97284375000004},{"speaker":"SPEAKER_01","start":479.97284375000004,"end":480.20909375},{"speaker":"SPEAKER_01","start":481.22159375,"end":505.77471875000003},{"speaker":"SPEAKER_00","start":490.38471875000005,"end":490.80659375000005},{"speaker":"SPEAKER_01","start":506.12909375000004,"end":509.36909375000005},{"speaker":"SPEAKER_00","start":509.36909375000005,"end":509.47034375000004},{"speaker":"SPEAKER_01","start":509.47034375000004,"end":514.3134687500001},{"speaker":"SPEAKER_00","start":509.57159375000003,"end":509.97659375},{"speaker":"SPEAKER_00","start":511.15784375000004,"end":512.3728437500001},{"speaker":"SPEAKER_00","start":514.3134687500001,"end":514.85346875},{"speaker":"SPEAKER_01","start":514.66784375,"end":518.44784375},{"speaker":"SPEAKER_00","start":516.6928437500001,"end":517.1147187500001},{"speaker":"SPEAKER_01","start":518.5659687500001,"end":539.00159375},{"speaker":"SPEAKER_01","start":540.72284375,"end":542.4778437500001},{"speaker":"SPEAKER_00","start":541.53284375,"end":545.2959687499999},{"speaker":"SPEAKER_01","start":545.2959687499999,"end":549.68346875},{"speaker":"SPEAKER_00","start":550.0209687500001,"end":551.4722187500001}],"whisperx":[{"start":0.71,"end":14.784,"text":"呃...是不是請到理事長還有...呃...護睡署啊 宋署長有請理事長跟宋署長欸 委員長你好 委員長你好 委員長"},{"start":17.788,"end":37.208,"text":"因為少子化的問題我相信是現在是大家都很清楚那一年一年延減而且很嚴重那我相信台灣未來帳戶特別條例草案這個要是說以目前來看"},{"start":38.83,"end":49.558,"text":"除了可以減輕父母養育兒女的負擔更可以給18歲這個青年有低桶金來面對未來的挑戰能夠有更多元的選擇一舉兩得"},{"start":53.567,"end":70.794,"text":"用於未來 反正是職業訓練 進修 創業等等我認為都應該是利益良善包括我們現在美國 英國 加拿大 新加坡他們也都有這些方案可以來供我們學習那個市長你認不認同"},{"start":72.816,"end":88.405,"text":"報告委員我想非常感佩委員對於這個問題的關心那我想少子女化確實是現在我們的國安問題我們應該要來嚴肅面對我想我們都只要有好的政策我們都願意來聆聽認不認同報告委員因為"},{"start":93.942,"end":108.894,"text":"就是剛剛委員有提到英國的例子英國在2005年開辦之後出現了一個問題2011年就停辦所以這裡面有兩個問題第一個就是說裁員必須要先確定我想這是一個有前軀之鑑"},{"start":109.795,"end":128.052,"text":"另外第二個就是說這裡面我們也不希望就是說倉促上路之後造成這一個保護這一個中斷像英國就是後來2011年中斷所以我想這個整個就是利益良善我們都樂見其成可是就是說相關的配套可能要更加小心其實"},{"start":129.033,"end":146.568,"text":"我认为说这个里面在修法内容里面还可以去调这个要是说我们整个国家像过去超增每一年都那么多而且几年下来一兆八千多亿所以说那时候在野党才要求说"},{"start":147.409,"end":167.262,"text":"每個人就是普發一萬那我認為說當然我後面還會再問到我認為說你認不認同這樣的做法嗎你不敢答還不敢答你照理講是你就不要承諾就由部長來就好了對不對"},{"start":168.763,"end":196.554,"text":"因為臺灣未來的整個帳戶特別條例草案要是順利的話當然希望能夠這個各界都來共襄盛舉引入更多的資源來這個臺灣未來帳戶的基金共同來照顧我們的下一代因為現在少子化很嚴重去年才出生率才十萬七千多人是沒錯今年會更少對不對那特別條例第26條有提到主管機關"},{"start":197.714,"end":223.665,"text":"得接受可以接受各界的捐款用於台灣未來賬戶基金甚至於就是專款專用那我請問那個宋署長如果一條例草案假設未來條文三讀通過台積電要是有捐款到台灣未來賬戶裡面我們不管說一千萬兩千萬一億兩億是否可以全額來抵稅可不可以"},{"start":224.085,"end":237.815,"text":"報告委員如果這個基金本身是政府的專戶就相當於對政府捐贈這目前所設的36條規定他就可以全額列報捐贈費用捐贈多少就抵稅多少如果是對政府的話"},{"start":239.136,"end":263.487,"text":"當然就是這樣子那這個底稅有沒有這個金額的上限如果對政府沒有金額上限所以說這個就是很好的一個方式因為有很多甚至於這個連戰他的夫人他說他要把他自己的財產全部都要圈出去他在生日的時候全部就這樣宣布"},{"start":264.607,"end":287.538,"text":"你說其實要捐的人還是很多啦並不是沒有以這個勞保基金109到113年度近5年來整個平均的績效為例收益率平均差不多8.94%最新一次勞保基金績效的公告114年11月底收益率來達到13.4%此外還有114年11月底"},{"start":294.041,"end":318.494,"text":"這個勞保基金這個收益率也有13.697從上述這些資料來看政府基金投資報酬率平均都是6%以上似乎有很高機率可以達成那本席理解說整個投資當然有高有低景氣起起伏伏那我請問那個理事長"},{"start":319.554,"end":347.611,"text":"對於政府基金投資報酬率平均每年6%以上是不是可能的任務還是穩健操作都可以達到目標您的看法呢包委員當然就是陳副委員剛剛所說的這個投資都有風險高高低低啦最近當然台股當然擁擠但是這個我們也不敢完全確保所以我想還是要從比較長期穩健的角度來思考"},{"start":348.683,"end":364.226,"text":"因此這個市長是依照特別條例草案計畫第一筆資金5萬元政府每年每人存1萬元到12歲以6%報酬率來計算18歲後預估整個資金將來可以到33.9萬那可用於這個青年的就學就業職業訓練創業購屋自備款等等"},{"start":376.009,"end":387.348,"text":"那我請問勞動部對於上述這個投資報酬估算是否會認為目標難以達成還是怎麼樣勞動部今天有沒有人來"},{"start":397.743,"end":417.017,"text":"主席 還有跟委員回答一下其實我們基金運用在投資上其實我們長期穩健的所以非常感謝委員剛剛對我們的肯定其實我們在長期的目標是有達到委員剛剛提到的有達到嘛 對啊要是照這樣操作其實也操作得很好可以肯定那要是有這樣的報酬我認為說其實從過去幾年下來"},{"start":422.921,"end":444.879,"text":"你們的整個基金的操作運作我認為都很好而且也受到我們很多勞工朋友的肯定啊對不對所以說整個台灣未來帳戶特別條例草案啦希望能透過專戶的設立來減輕整個父母的壓力投資我們的下一代以青年的未來以減緩子女"},{"start":448.514,"end":472.228,"text":"這個少子女化的整個情況那投資台灣未來的人才之培育如果開戶人喪失我國國籍那個次長開戶人喪失我國國籍本身認為自然不具有這個提領結親由國家補助啟動金來撥補款以及其他收益的資格你的看法呢"},{"start":473.237,"end":478.727,"text":"是 我那個 尊重委員的一個意見我覺得這個尊重委員的意見 謝謝我認為你一點擔當都沒有"},{"start":481.277,"end":505.14,"text":"今天是這個案子過才有啊對不對 案子沒有過根本一點但我是認為你一個身為一個次長喔很多事情你竟然要承擔部長留下來給你來做詢答你就是本身要具有說我今天yes no分得很清楚然後這個案子過我們就照這樣做"},{"start":506.221,"end":532.91,"text":"这个才是担当嘛我们是针对问题探讨问题怎么去解决问题嘛对不对现在少子化的问题确实是存在啊不然的话怎么会提这个问题呢对不对提这个法案呢所以说本席认为如果开户人在未成年期间如果犯刑案刑事案件等等比如涉及杀人啦患毒啦诈欺啦性侵等等重大刑案制止"},{"start":533.57,"end":550.976,"text":"的後續也不應該享有政府補助的資源這樣你認不認同不認同還是不敢答我們認知到也尊重委員的意見對啦你什麼都不敢你等於是有跟沒有一樣好啦我就不問了啦謝謝非常感謝委員的指教謝謝"}]}},"supported_relations":[],"relations":[]}