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上一次黃委員有質詢這個議題我們已經有請銀行公會跟財經公司還有央行我們會共同來研商那因為在最近的一次先前已經有決定說因為我們台灣的跨行手續費相對來講各區域國家來講已經是非常低的那所以大概在兩三年前已經決定不會再往下調降但是這次委員有再提出相關質詢所以我們會再做相關的評估"},{"start":57.848,"end":78.182,"text":"那時間上面一個月可以再把評估報告出來 研議的結果出來嗎因為你這樣已經從今年的1月7號到現在已經超過兩個月了而且我們知道過去的時候就算是沒有這樣的時間性可是它都是用現在已經都變成自動化的一種的作業程序那人工的成本是大幅的降低那財經公司的結算作業應該是都可以完成對這一點"},{"start":80.303,"end":91.254,"text":"剛剛我們說我們請銀行公會他們以前過去針對這個東西已經做過研議而且我們相較其他也是不是一個也是比較低的水準我們請他研議我們請他去跟他確認一下是要多久報告可以出來再跟委員說明"},{"start":95.998,"end":99.381,"text":"OK 好 希望我們民眾黨會持續在追蹤這個議題那我們現在繼續往下看有一個金管會很重要的一個政策目標是屬於亞洲資產管理中心那我們看到說這也是戴清德政府的一個主要政見因為台灣"},{"start":114.677,"end":122.767,"text":"喊了30年了過去12人任的這個金融金管會主委都沒有做那您卻做了而且喊出了這個第一屆的目標是說要兩年有感也看到說現在已經有超過20家銀行跟超過兩兆元的資產規模已經進駐到這個高雄"},{"start":131.138,"end":133.98,"text":"那這邊呢就先讓你說到做到但是我們也看到有幾個問題第一個問題是說呢亞資中心在兩年內創造了兩兆元的資產規模但是想要問你說這兩兆元當中有多少是屬於海外的資金形式進來的"},{"start":148.31,"end":166.854,"text":"這裡稍微報告一下我們這個過去推動這一年半應該是5.7兆那個2兆是因為我們私人銀行業務現在成長到2兆2000億左右那剛剛提到那只是私人銀行業務那高雄專區只是我們16項計畫其中之一那這部分剛剛講說那5.7兆裡面呢因為我們有"},{"start":169.615,"end":187.481,"text":"這個所謂的AUM就是它資產管理規模各式各樣來源那我們到現在是沒有去細分說這是資金是從國內或國外當然我們可以看得出來這大部分都是以國人的財富為主那我們會去了解一下如果具體的數據再給委員好 那一個禮拜可以嗎"},{"start":188.309,"end":205.685,"text":"我們去盤查一下說有這個統計我們可以很快可以 盡快就出現這部分是非常重要因為你們部分的這個目標是在說要是要留財外 留財引資這部分就希望能夠落實第二部分你剛剛也講說在你們的幾項計畫當中其實高雄市是一個部分對 其中我們地方專區的一個專案"},{"start":206.946,"end":226.107,"text":"對 那有沒有考慮到說現在下一個落腳的縣市我們很多的我們很多的場合我們都說因為這是要地方政府來協力地方政府願意他提出他們的優惠措施來吸引所以他幾個前提一個地方政府要有意願要有能力再來就是我們的廠商要有意願"},{"start":227.068,"end":252.143,"text":"要過去我們政策再去配合這件事情所以我們也歡迎其實在這次那個卓院長在施政報告也講說我們希望今晚會來複製高雄經驗到全台去那我們也歡迎我們各地方政府如果能夠提出你們的誘因能夠具有招商的條件我們會來政策來配合好那這樣子目前為止是其他像新北跟台北沒有提出來這個需求是嗎目前沒有"},{"start":252.563,"end":258.867,"text":"好 這樣了解 當然就希望其他的縣市也能夠知道說目前政府有這樣的計畫那我們繼續往下看就是在於說因為現在包括的是台灣的一個狀況大家有這個跟新加坡跟香港他們其實都有這樣的一個亞洲資產的這樣的管理的這樣的一個作為那包括的還是我們看到說台海關係也都不穩定"},{"start":276.236,"end":287.608,"text":"剛剛說的香港跟新加坡的稅率就比我們低外匯管制也是比較寬鬆那台海的穩定度當然也是一個問題還現在包括了美伊衝突的爆發等等那這樣的情況實際上對於我們目前的亞洲資產中心的目標年度目標達成會不會受到一些影響"},{"start":293.073,"end":317.443,"text":"其實跟委員報告我們其實我們在做這個計畫我們有仔細盤點過像委員提到比如說稅的問題其實我們看到就全世界有很多的金融中心它稅其實非常的高它也不會就無損於它這個稅只是其中一個要件在地緣政治的問題當然很多人在說其實台灣從1949年開始就一直都有這個問題其實我們從事實告訴我們我們在推動這一年半我們就按照我們的計畫已經增加了"},{"start":319.904,"end":344.196,"text":"就是五兆其實某種程度來看其實我覺得我們是要吸引各種不同層次的這個資產進到台灣來做管理我想白資金有多重面向在乎地緣政治人他可能會到他自己認為的那很多地方他不考慮這個或是他沒那麼看重其實這樣就可以過來所以我覺得我們在做這些事情不能因為有這個而不推但是我們的吸引力在哪裡"},{"start":344.796,"end":362.389,"text":"而其實剛才講說比如說我跟委員報告一下就是我們單單就幾個數字比如說台灣的我們的銀行的這個存款對不對我們的國人的存款非常多而且每年的鈔額儲蓄這麼的高就是說我們的整個財富跟投資動能高資產客戶非常的多"},{"start":363.289,"end":378.619,"text":"所以你們就這個目標來講你覺得我們已經吸到我們現在在屬於台灣人的資產但是本來在國外現在進來的比例是多少所以我們就想說今天一個是有步驟性的如果連本國的資產都不願意留台灣談怎麼樣從外外但是現在這個兩年之內你們達到這個目標多少我們本來是預計就是說兩年的時間希望能夠增加4兆但是我們從現在統計已經來到了大概5.7兆左右"},{"start":390.046,"end":395.53,"text":"所以我覺得這件事情就是代表說其實台灣在過去它覺得假設台灣能夠提供這個服務的話我覺得我們這些資金就願意留在台灣給台灣的這個市場一個機會好 你現在目標是達到了你應該是這樣子吧當然只是初步"},{"start":406.479,"end":409.622,"text":"但是我們不會為目標而限制我們的做法所以我們也希望說其實我們給了一個非常非常難挑戰的目標就是希望六年之內能夠翻倍"},{"start":423.578,"end":438.304,"text":"好我們就繼續的期待著繼續我們來看一下這個意見當中是說專人的專戶他們也是在今年上路在亞洲資產中心客戶需要到高雄開會可是銀行喊不便那如何化解我想這個問題有點小複雜我請銀行局局長簡單跟委員說明"},{"start":441.585,"end":464.648,"text":"各位報告那個要到專區去開專戶這個部分我們有跟銀行會商過三次那銀行也覺得說必須要這樣做最主要的一個考量是為了要防度洗錢的一個可能性那第二個部分呢專區一定要由專人來這個提供相關的服務才能夠避免相關的這個銷售商的一個糾紛所以這個是我們跟銀行有達成共識"},{"start":466.245,"end":486.184,"text":"現在是因為主要還是一個試辦階段國人對於金融業的穩定跟安全有高度的期待我們希望在一個風險可控的範圍之內來穩步推進所以我們也不冒進所以剛剛講說我們寧可把它做穩做好以後再來擴大所以我們對這個東西一開始我們會有序的去管理"},{"start":487.244,"end":504.505,"text":"好 那我們希望就是這也可以看得出來整個的目標應該是還是以西周台灣國人的資金我們是希望就是說流財引資都要好 那希望另外在外資的引進上面也能夠加強這部分才是真正亞洲資產管理中心"},{"start":506.127,"end":510.029,"text":"好 謝謝 我們繼續往下看有一個議題是包括的是強制險的一個預告金管會已經在二月份已經預告了說準備把這個保額拉到大概三百萬元但是它目前的規劃是保費不漲這個保費不漲的話那是誰要來吸收要增加從兩百萬到三百萬這樣子的如果說的一個賠償額呢"},{"start":530.256,"end":552.267,"text":"是 跟委員報告因為強制險是個強制推的強制等於說你只要有車的人就必須要投保所以我們對於調費都非常的謹慎因為這增加民眾的生活負擔所以我們在過去呢要因為這個險的實施是所謂無盈無虧就等於說過去如果說他損率比較好有節餘的時候他要積存為一個特別準備"},{"start":553.348,"end":582.262,"text":"不能夠列入乘坐產險公司的這個損益裡面所以我們就看了其實上這個是過去幾年因為我們的道路的死亡改善其實有明顯的改善所以再來就是我們的準備金累積到一定程度以後我們覺得有這個能力在不漲保費的情況下調高但是未來我們持續假設能夠下降這個死亡率的話那其實上這個空間來這並不是從哪裡來就是從過去因為我們整個整個損利調好以後產生了一個"},{"start":582.782,"end":590.065,"text":"所以現在是預告期間嘛 那這個時候 預計什麼時候會升7月1號7月1號 那我們就去看他這部分可是你們 現在還包括一個問題因為實質上面 在整個法院判理賠的這個總額當中其實一般的A1事故的平均是411萬死亡受害者是371萬那失能者更是達到330萬你們現在達到300萬 其實是不太夠的那這邊呢 是不是"},{"start":609.674,"end":633.591,"text":"有一個考慮到說呢應該再去加強他的一個這個裁員的部分尤其是要加重到這個加重危險累犯的駕駛他們的保費這樣的金額或是把第三責任寫把它放進去裡面這部分有沒有意見納入到你們的考量當中我想上次行政院召開道安會報的時候已經指示說高風險高保費是未來制度調整的趨勢"},{"start":634.645,"end":637.887,"text":"所以這是要考慮解決的你以後是高風險的駕駛人未來的話你就必須要承擔高的費率這是一個研議的方向我想這應該是很明確好 一個最好最先後面有一個問題就是說那因為過去的這個調漲調整的是在13年前那這次也在預告在調整的時間是不是有考慮到要把這個CPI跟基本工資的漲幅也把它納進去彈性的調漲而不要再"},{"start":657.999,"end":686.735,"text":"礦日廢時的這樣子沒有反映到時事各位委員這是一個保險不是一個比如社會福利事項沒辦法按照這樣來做這是因為有保費民眾要負擔的這個就是保額提高就成本增加成本增加民眾就要增加保費我想這部分我們會盡量的就以不增加民眾的這個負擔我們積極面去改善風險降低死亡率讓這個東西把保費提高這才是這個險最重要的目的不是為了賠是希望最好不要賠"},{"start":687.588,"end":696.602,"text":"好 那就希望經國會把這樣的一個強制責任險的意義把它說清楚 讓民眾更能瞭解是 當然 還是讓他們目的好 謝謝"}],"gazette":[{"speaker":"劉委員書彬","start":"2026-03-18T10:10:42+08:00","guessed":true,"end":"2026-03-18T10:10:43.533250+08:00","text":"謝謝主席。","quality":0},{"speaker":"劉委員書彬","start":"2026-03-18T10:10:43.533250+08:00","guessed":true,"end":"2026-03-18T10:10:45.066500+08:00","text":"現在有請彭主委。","quality":0},{"speaker":"主席","start":"2026-03-18T10:10:45.066500+08:00","guessed":true,"end":"2026-03-18T10:10:46.599750+08:00","text":"請金管會彭主委。","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:10:46.599750+08:00","guessed":true,"end":"2026-03-18T10:10:48.133000+08:00","text":"委員好。","quality":0},{"speaker":"劉委員書彬","start":"2026-03-18T10:10:48.133000+08:00","guessed":false,"end":"2026-03-18T10:10:48.453000+08:00","text":"主委好。","quality":1},{"speaker":"劉委員書彬","start":"2026-03-18T10:10:49.814000+08:00","guessed":false,"end":"2026-03-18T10:11:07.624000+08:00","text":"我們看到銀行的跨行轉帳手續費，一筆千元以上有跨行手續費15元，價格已經有12年沒漲，你今年年初的時候也說會研議調降，那現在進度如何？","quality":0.965},{"speaker":"劉委員書彬","start":"2026-03-18T10:11:07.844000+08:00","guessed":false,"end":"2026-03-18T10:11:08.184000+08:00","text":"可以報告嗎？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:11:09.065000+08:00","guessed":false,"end":"2026-03-18T10:11:10.886000+08:00","text":"我請銀行局局長跟你簡單回復一下。","quality":0.867},{"speaker":"童局長政彰","start":"2026-03-18T10:11:12.165000+08:00","guessed":false,"end":"2026-03-18T10:11:20.992000+08:00","text":"跟委員報告，上一次黃委員有質詢這個議題，我們已經有請銀行公會、財金公司還有央行，我們會共同研商。","quality":0.977},{"speaker":"童局長政彰","start":"2026-03-18T10:11:22.013000+08:00","guessed":false,"end":"2026-03-18T10:11:38.747000+08:00","text":"在最近的一次、先前已經有決定，因為我們臺灣的跨行手續費相對各區域國家來講，已經是非常低的，所以大概在兩、三年前已經決定，不會再往下調降，但是這次委員有再提出相關質詢，所以我們會再做相關的評估。","quality":1},{"speaker":"劉委員書彬","start":"2026-03-18T10:11:40.188000+08:00","guessed":false,"end":"2026-03-18T10:11:44.071000+08:00","text":"在時間方面，一個月可以把評估報告跟研議結果出來給本席嗎？","quality":0.769},{"speaker":"劉委員書彬","start":"2026-03-18T10:11:44.071000+08:00","guessed":false,"end":"2026-03-18T10:11:59.942000+08:00","text":"因為從今年1月7號到現在，已經超過兩個月了，我們知道過去的時候，就算是沒有這樣的……可是現在都已經變成自動化的作業程序，人工成本大幅降低，財金公司的結算作業應該都可以完成。","quality":0.974},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:12:00.162000+08:00","guessed":false,"end":"2026-03-18T10:12:10.291000+08:00","text":"對，關於這一點，剛剛我們說有請銀行公會，他們過去針對這東西已經做過研議，而且相較其他區域，我們的費用也是比較低的水準，我們請他研議，剛剛……","quality":0.803},{"speaker":"劉委員書彬","start":"2026-03-18T10:12:10.291000+08:00","guessed":true,"end":"2026-03-18T10:12:11.291000+08:00","text":"一個月之內可以嗎？","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:12:10.291000+08:00","guessed":false,"end":"2026-03-18T10:12:18.318000+08:00","text":"沒有，我們請銀行局跟他確認一下，要多久報告才可以出來，再跟委員說明，好不好？","quality":0.758},{"speaker":"劉委員書彬","start":"2026-03-18T10:12:18.879000+08:00","guessed":false,"end":"2026-03-18T10:12:19.039000+08:00","text":"好，我們民眾黨會再持續追蹤這個議題。","quality":0.875},{"speaker":"劉委員書彬","start":"2026-03-18T10:12:19.199000+08:00","guessed":false,"end":"2026-03-18T10:12:55.960000+08:00","text":"我們現在繼續往下看，金管會有一個重要的政策目標是亞洲資產管理中心，這也是賴清德政府的一個主要政見，臺灣喊了30年，過去12任的金管會主委都沒有做，而您卻做了，而且喊出了第一屆的目標，說要兩年有感，也看到現在已經有超過20家銀行，超過2兆元的資產規模已經進駐到高雄，這邊就先當作你有說到做到，但是我們也看到了有幾個問題，第一個問題，亞資中心在兩年內創造了2兆元的資產規模，但是本席想問的是，這2兆元當中，有多少是屬於以海外的資金形式進來的？","quality":0.927},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:13:10.310000+08:00","guessed":false,"end":"2026-03-18T10:13:48.060000+08:00","text":"跟委員稍微報告一下，我們過去推動這一年半的應該是5.7兆，那個2兆是因為私人銀行業務現在成長到2兆2,000億左右，剛才提到那只是私人銀行業務，高雄專區只是我們16項計畫其中之一，剛才講那5.7兆裡面，因為我們有所謂的AUM，就是資產管理規模有各式各樣的來源，我們現在沒有去細分資金是從國內或國外，但我們可以看得出來，這大部分都是以國人的財富為主，我們會去了解一下，如果有具體的數據再給委員。","quality":0.936},{"speaker":"劉委員書彬","start":"2026-03-18T10:13:48.060000+08:00","guessed":false,"end":"2026-03-18T10:13:49.481000+08:00","text":"好，那一個禮拜可以嗎？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:13:50.309000+08:00","guessed":false,"end":"2026-03-18T10:13:53.132000+08:00","text":"我們去盤查一下，如果有這個統計，我們很快就可以給。","quality":0.727},{"speaker":"劉委員書彬","start":"2026-03-18T10:13:53.432000+08:00","guessed":false,"end":"2026-03-18T10:14:01.259000+08:00","text":"好，儘快，這部分非常重要，因為你們這部分的目標是要留財引資嘛。對。","quality":0.821},{"speaker":"劉委員書彬","start":"2026-03-18T10:14:01.259000+08:00","guessed":false,"end":"2026-03-18T10:14:02.740000+08:00","text":"這部分就希望能夠落實。","quality":1},{"speaker":"劉委員書彬","start":"2026-03-18T10:14:02.740000+08:00","guessed":false,"end":"2026-03-18T10:14:06.544000+08:00","text":"第二部分，你剛才也講到在你們的幾項計畫當中，其實高雄只是一個部分嘛？","quality":0.871},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:14:07.044000+08:00","guessed":false,"end":"2026-03-18T10:14:07.665000+08:00","text":"對，是我們地方專區其中的一個專案。","quality":0.8},{"speaker":"劉委員書彬","start":"2026-03-18T10:14:08.946000+08:00","guessed":false,"end":"2026-03-18T10:14:12.850000+08:00","text":"對，那有沒有考慮到下一個落腳的縣市？","quality":1},{"speaker":"劉委員書彬","start":"2026-03-18T10:14:12.850000+08:00","guessed":true,"end":"2026-03-18T10:14:13.850000+08:00","text":"有規劃嗎？","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:14:13.571000+08:00","guessed":false,"end":"2026-03-18T10:14:31.349000+08:00","text":"我們在很多的場合都說因為這需要地方政府來協力，地方政府願意提出他們的優惠措施來吸引，所以它有幾個前提，第一個是地方政府要有意願、要有能力，再來就是我們的廠商要有意願過去，我們政策再去配合這件事情。","quality":0.934},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:14:31.529000+08:00","guessed":false,"end":"2026-03-18T10:14:48.199000+08:00","text":"所以我們也歡迎，其實卓院長也在他的施政報告說希望金管會複製高雄的經驗到全臺去，我們也歡迎各地方政府，如果能夠提出你們的誘因、能夠具有招商的條件，我們政策會來配合。","quality":0.907},{"speaker":"劉委員書彬","start":"2026-03-18T10:14:48.339000+08:00","guessed":false,"end":"2026-03-18T10:14:53.602000+08:00","text":"好，到目前為止，其他像新北跟臺北沒有提出這個需求是嗎？","quality":0.958},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:14:53.602000+08:00","guessed":false,"end":"2026-03-18T10:14:54.123000+08:00","text":"目前沒有。","quality":1},{"speaker":"劉委員書彬","start":"2026-03-18T10:14:54.563000+08:00","guessed":false,"end":"2026-03-18T10:14:58.665000+08:00","text":"好，這樣了解了，當然希望其他的縣市能夠知道目前政府有這樣的計畫。是的。","quality":0.903},{"speaker":"劉委員書彬","start":"2026-03-18T10:14:58.685000+08:00","guessed":false,"end":"2026-03-18T10:15:27.225000+08:00","text":"我們繼續往下看，現在臺灣的狀況，大家都知道新加坡跟香港其實都有亞洲資產管理這樣的一個作為，可是我們看到臺海關係也都不穩定，而且剛剛說到香港跟新加坡稅率就比我們低，外匯管制也比較寬鬆，臺海的穩定度當然也是一個問題，現在還包括美伊衝突的爆發等等。","quality":0.929},{"speaker":"劉委員書彬","start":"2026-03-18T10:15:27.786000+08:00","guessed":false,"end":"2026-03-18T10:15:29.608000+08:00","text":"依據這樣的情況，我們目前亞洲資產管理中心年度目標達成會不會受到一些影響？","quality":0.882},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:15:35.313000+08:00","guessed":false,"end":"2026-03-18T10:16:02.385000+08:00","text":"跟委員報告，其實我們在做這個計畫前有仔細盤點過，像委員提到比如說稅的問題，我們看到全世界有很多金融中心的稅其實非常高，但也無損於他……稅只是其中一個要件，當然很多人在說有地緣政治的問題，其實臺灣從1949年開始一直都有這個問題，但事實告訴我們，就是在推動的這一年半，我們就按照我們的計畫，已經增加了5兆。","quality":0.888},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:16:02.905000+08:00","guessed":false,"end":"2026-03-18T10:16:24.695000+08:00","text":"其實從某種程度來看，我覺得我們是要吸引各種不同層次的資產進到臺灣來管理，本來資金就有多重面向，在乎地緣政治的人可能會到他自己認為的……很多地方他不考慮或是他沒那麼看重，其實這樣就可以過來，所以我覺得我們在做這些事情時，不能因為有這個因素而不推……","quality":0.929},{"speaker":"劉委員書彬","start":"2026-03-18T10:16:25.095000+08:00","guessed":false,"end":"2026-03-18T10:16:26.196000+08:00","text":"對，但是我們的吸引力在哪裡？","quality":0.917},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:16:26.936000+08:00","guessed":false,"end":"2026-03-18T10:16:35.983000+08:00","text":"其實剛才講的，比如說，我跟委員報告一下，我們單單就幾個數字，比如臺灣的銀行存款，對不對？","quality":0.974},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:16:35.983000+08:00","guessed":false,"end":"2026-03-18T10:16:37.203000+08:00","text":"我們國人的存款非常多……","quality":1},{"speaker":"劉委員書彬","start":"2026-03-18T10:16:37.203000+08:00","guessed":true,"end":"2026-03-18T10:16:38.203000+08:00","text":"是，國人存款很高。","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:16:37.404000+08:00","guessed":false,"end":"2026-03-18T10:16:45.449000+08:00","text":"而且每年的超額儲蓄這麼高，就是我們的整個財富跟投資動能，高資產客戶非常多，所以臺灣……","quality":0.921},{"speaker":"劉委員書彬","start":"2026-03-18T10:16:46.070000+08:00","guessed":false,"end":"2026-03-18T10:16:51.473000+08:00","text":"就政策目標來講，你覺得我們已經吸到現在屬於臺灣人的資產，但是本來在國外、現在進來的比例是多少資金？","quality":0.911},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:16:52.093000+08:00","guessed":false,"end":"2026-03-18T10:16:57.877000+08:00","text":"對，我們是想說今天是有步驟性的，如果連本國的資產都不願意留在臺灣……","quality":0.9},{"speaker":"劉委員書彬","start":"2026-03-18T10:16:58.538000+08:00","guessed":false,"end":"2026-03-18T10:16:59.158000+08:00","text":"但是在兩年之內，你們達到這個目標的比例是多少？","quality":0.81},{"speaker":"劉委員書彬","start":"2026-03-18T10:16:59.158000+08:00","guessed":true,"end":"2026-03-18T10:17:00.158000+08:00","text":"除了本國的資產，在外國的……","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:16:59.178000+08:00","guessed":false,"end":"2026-03-18T10:17:16.870000+08:00","text":"我們本來是預計兩年的時間，希望能夠增加4兆，但是我們現在統計已經來到大概5.7兆左右，所以我覺得這件事情就是代表其實臺灣在過去……假設臺灣能夠提供這個服務的話，我覺得他們這些資金就會願意留在臺灣，給臺灣市場一個機會。","quality":0.979},{"speaker":"劉委員書彬","start":"2026-03-18T10:17:16.870000+08:00","guessed":false,"end":"2026-03-18T10:17:17.250000+08:00","text":"好，你現在的目標是達到了，應該是這樣子吧？","quality":0.944},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:17:17.270000+08:00","guessed":false,"end":"2026-03-18T10:17:17.510000+08:00","text":"當然只是初步的目標。","quality":0.667},{"speaker":"劉委員書彬","start":"2026-03-18T10:17:17.510000+08:00","guessed":true,"end":"2026-03-18T10:17:28.479000+08:00","text":"好，初步目標達到了，也許你當初目標訂的比較低，如果我們當初有大概15兆的資產在國外……","quality":0},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:17:28.479000+08:00","guessed":false,"end":"2026-03-18T10:17:31.602000+08:00","text":"但是我們不會因為目標而限制我們的做法，所以我們也希望……其實我們給了一個非常非常難挑戰的目標，就是希望6年之內能夠翻倍。","quality":0.981},{"speaker":"劉委員書彬","start":"2026-03-18T10:17:45.578000+08:00","guessed":false,"end":"2026-03-18T10:17:48.719000+08:00","text":"好，那我們就繼續期待著。","quality":0.9},{"speaker":"劉委員書彬","start":"2026-03-18T10:17:49.440000+08:00","guessed":false,"end":"2026-03-18T10:17:58.043000+08:00","text":"我們繼續來看一下，這個意見說亞洲資產管理中心的專人、專戶也是在今年上路，客戶需要到高雄開戶，可是銀行喊不便，那要如何化解？","quality":0.764},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:17:58.683000+08:00","guessed":false,"end":"2026-03-18T10:18:00.284000+08:00","text":"我想這個問題有點小複雜，我請銀行局局長簡單跟委員說明。","quality":1},{"speaker":"童局長政彰","start":"2026-03-18T10:18:04.066000+08:00","guessed":false,"end":"2026-03-18T10:18:26.648000+08:00","text":"跟委員報告，要到專區去開專戶這個部分，我們有跟銀行會商過3次，銀行也覺得必須要這樣做，最主要的一個考量是要防杜洗錢的可能性；第二個部分，專區一定要有專人來提供相關的服務，才能夠避免相關銷售商的糾紛，這個我們跟銀行有達成共識。","quality":0.951},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:18:28.245000+08:00","guessed":false,"end":"2026-03-18T10:18:48.164000+08:00","text":"主要現在還是試辦階段，國人對於金融業的穩定跟安全有高度的期待，我們希望在一個風險可控的範圍之內穩步推進，所以我們也不會貿進，所以我剛剛說我們寧可把它做穩、做好以後再來擴大，對於這個東西，一開始我們就會有序的去管理。","quality":0.929},{"speaker":"劉委員書彬","start":"2026-03-18T10:18:49.244000+08:00","guessed":false,"end":"2026-03-18T10:18:56.933000+08:00","text":"好，從這點可以看得出來，整個目標應該還是以吸收臺灣國人的資金為主。","quality":0.8},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:18:57.414000+08:00","guessed":false,"end":"2026-03-18T10:19:00.538000+08:00","text":"我們是希望留財、引資都要。","quality":0.909},{"speaker":"劉委員書彬","start":"2026-03-18T10:19:01.139000+08:00","guessed":false,"end":"2026-03-18T10:19:06.485000+08:00","text":"好，希望在外資的引進上面也能夠加強，這部分才是真正的亞洲資產管理中心。","quality":0.969},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:19:06.485000+08:00","guessed":true,"end":"2026-03-18T10:19:08.127000+08:00","text":"那當然，我們會努力。","quality":0},{"speaker":"劉委員書彬","start":"2026-03-18T10:19:08.127000+08:00","guessed":false,"end":"2026-03-18T10:19:08.207000+08:00","text":"好，謝謝。","quality":1},{"speaker":"劉委員書彬","start":"2026-03-18T10:19:08.207000+08:00","guessed":false,"end":"2026-03-18T10:19:08.327000+08:00","text":"我們繼續再往下看。","quality":0.875},{"speaker":"劉委員書彬","start":"2026-03-18T10:19:08.347000+08:00","guessed":false,"end":"2026-03-18T10:19:12.009000+08:00","text":"有一個議題是強制險的預告，金管會已經在2月份預告，準備把保額拉到大概300萬元，但是目前的規劃是保費不漲，如果保費不漲的話，那是誰要來吸收從200萬拉高到300萬的理賠金額？","quality":0.915},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:19:32.816000+08:00","guessed":false,"end":"2026-03-18T10:20:24.002000+08:00","text":"跟委員報告，因為強制險是強制推的，等於你只要有車的人就必須要投保，所以我們對於調費都非常的謹慎，因為這會增加民眾的生活負擔，所以我們在過去……因為這個險的實施是所謂無盈無虧，等於過去如果它損益比較好、有結餘的時候，它要積存為特別準備，不能夠列入承作產險公司的損益裡面，所以我們就看了……其實這是因為過去幾年，道路死亡有明顯地改善，再來就是準備金累積到一定程度以後，我們覺得有這個能力在不漲保費的情況下調高，但是未來假設能夠持續下降死亡率的話，事實上這個空間並不是從哪裡來，就是從過去因為我們整個損利調好以後而產生的結果。","quality":0.929},{"speaker":"劉委員書彬","start":"2026-03-18T10:20:24.782000+08:00","guessed":false,"end":"2026-03-18T10:20:27.063000+08:00","text":"所以現在是預告期間，預計什麼時候會施行？7月1日。","quality":0.85},{"speaker":"劉委員書彬","start":"2026-03-18T10:20:27.363000+08:00","guessed":false,"end":"2026-03-18T10:20:27.843000+08:00","text":"7月1日，那我們再去看這一部分。是。","quality":0.769},{"speaker":"劉委員書彬","start":"2026-03-18T10:20:27.923000+08:00","guessed":false,"end":"2026-03-18T10:20:31.425000+08:00","text":"現在還包括一個問題，因為事實上在整個法院判理賠的總額當中，一般的A1事故平均是411萬，死亡受害者是371萬，失能者更是達到330萬，你們現在提高到300萬其實是不太夠的。","quality":0.955},{"speaker":"劉委員書彬","start":"2026-03-18T10:20:31.645000+08:00","guessed":false,"end":"2026-03-18T10:21:05.644000+08:00","text":"這邊是不是有考慮應該再去加強財源的部分，尤其是加重危險累犯駕駛的保費金額，或是把第三責任險也放進去？","quality":0.915},{"speaker":"劉委員書彬","start":"2026-03-18T10:21:06.565000+08:00","guessed":false,"end":"2026-03-18T10:21:09.207000+08:00","text":"這部分的意見有沒有納入你們的考量當中？","quality":0.833},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:21:09.727000+08:00","guessed":false,"end":"2026-03-18T10:21:15.591000+08:00","text":"上次行政院召開道安會報的時候，已經指示高風險高保費是未來制度調整的趨勢。","quality":1},{"speaker":"劉委員書彬","start":"2026-03-18T10:21:16.645000+08:00","guessed":false,"end":"2026-03-18T10:21:16.965000+08:00","text":"所以這是有考慮進去的？","quality":0.7},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:21:16.985000+08:00","guessed":false,"end":"2026-03-18T10:21:17.706000+08:00","text":"對，假如你是高風險駕駛人，未來你就必須要承擔高費率，這是一個研議方向，我想這應該很明確。","quality":0.923},{"speaker":"劉委員書彬","start":"2026-03-18T10:21:17.786000+08:00","guessed":false,"end":"2026-03-18T10:21:41.540000+08:00","text":"最後一個問題，因為過去調整是在13年前，這次也要預告調整的時間，是不是有考慮把CPI跟基本工資漲幅也納進去，變成彈性調整，而不是這樣子曠日費時而沒有反映到時勢？","quality":0.847},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:21:42+08:00","guessed":false,"end":"2026-03-18T10:21:55.067000+08:00","text":"跟委員報告，這是一個保險，社會福利事項沒辦法按照這樣做，因為民眾要負擔保費，保額提高則成本增加，成本增加，民眾就要增加保費。","quality":0.891},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:21:55.067000+08:00","guessed":false,"end":"2026-03-18T10:22:08.735000+08:00","text":"我想這部分我們會儘量不增加民眾負擔，從積極面去改善風險、降低死亡率，讓這個東西把保費提高，才是這個保險最重要的目的，不是為了賠，是希望最好不要賠。","quality":0.955},{"speaker":"劉委員書彬","start":"2026-03-18T10:22:09.588000+08:00","guessed":false,"end":"2026-03-18T10:22:17.300000+08:00","text":"好，希望金管會把這樣一個強制責任險的意義說清楚，讓民眾更能了解，然後達到目的。謝謝。","quality":0.703},{"speaker":"彭主任委員金隆","start":"2026-03-18T10:22:17.500000+08:00","guessed":false,"end":"2026-03-18T10:22:18.602000+08:00","text":"是，當然。謝謝。","quality":1},{"speaker":"劉委員書彬","start":"2026-03-18T10:22:19.102000+08:00","guessed":true,"end":"2026-03-18T10:22:20.816286+08:00","text":"謝謝主席。謝謝。","quality":0},{"speaker":"主席","start":"2026-03-18T10:22:21.116286+08:00","guessed":true,"end":"2026-03-18T10:22:24.259143+08:00","text":"接下來請羅明才委員質詢。","quality":0}]}},"supported_relations":[],"relations":[]}