{"error":false,"id":["167629"],"data":{"IVOD_ID":167629,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/167629","日期":"2026-03-18","會議資料":{"會議代碼":"委員會-11-5-20-3","會議代碼:str":"第11屆第5會期財政委員會第3次全體委員會議","屆":11,"會期":5,"會次":3,"臨時會會次":null,"種類":"委員會","委員會代碼":[20],"委員會代碼:str":["財政委員會"],"標題":"第11屆第5會期財政委員會第3次全體委員會議"},"影片種類":"Clip","開始時間":"2026-03-18T11:42:37+08:00","結束時間":"2026-03-18T11:54:14+08:00","影片長度":"00:11:37","支援功能":["ai-transcript"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/4e26a61b53ad6053fd10eff9b611450e52e56fd78df8e6504d1c9dfa77de20982b84f17dd0fda0a55ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"王世堅","委員發言時間":"11:42:37 - 11:54:14","會議時間":"2026-03-18T09:00:00+08:00","會議名稱":"立法院第11屆第5會期財政委員會第3次全體委員會議（事由：邀請金融監督管理委員會彭主任委員金隆率所屬機關首長暨中央存款保險股份有限公司、監管相關機構有關之財團法人、臺灣證券交易所股份有限公司、臺灣期貨交易所股份有限公司、臺灣集中保管結算所股份有限公司等董事長、總經理列席業務報告，並備質詢。）","transcript":{"pyannote":[{"speaker":"SPEAKER_01","start":3.57471875,"end":34.50659375},{"speaker":"SPEAKER_00","start":6.32534375,"end":6.66284375},{"speaker":"SPEAKER_00","start":16.500968750000002,"end":16.83846875},{"speaker":"SPEAKER_01","start":35.01284375,"end":50.031593750000006},{"speaker":"SPEAKER_01","start":50.21721875,"end":52.30971875},{"speaker":"SPEAKER_01","start":52.461593750000006,"end":53.06909375},{"speaker":"SPEAKER_01","start":53.45721875,"end":63.531593750000006},{"speaker":"SPEAKER_01","start":63.88596875,"end":73.74096875000001},{"speaker":"SPEAKER_01","start":74.43284375,"end":80.03534375000001},{"speaker":"SPEAKER_01","start":80.50784375,"end":90.02534375},{"speaker":"SPEAKER_01","start":90.39659375000001,"end":128.11221875},{"speaker":"SPEAKER_01","start":128.68596875,"end":130.01909375},{"speaker":"SPEAKER_01","start":130.47471875000002,"end":140.11034375},{"speaker":"SPEAKER_00","start":140.11034375,"end":140.31284375},{"speaker":"SPEAKER_01","start":140.31284375,"end":150.26909375},{"speaker":"SPEAKER_01","start":150.65721875,"end":200.13471875000002},{"speaker":"SPEAKER_00","start":177.28596875000002,"end":177.64034375},{"speaker":"SPEAKER_01","start":200.86034375000003,"end":208.48784375000002},{"speaker":"SPEAKER_01","start":208.90971875000002,"end":220.03034375000001},{"speaker":"SPEAKER_00","start":220.03034375000001,"end":220.87409375000001},{"speaker":"SPEAKER_00","start":221.61659375000002,"end":254.82659375000003},{"speaker":"SPEAKER_00","start":255.28221875000003,"end":317.02784375000005},{"speaker":"SPEAKER_00","start":317.23034375000003,"end":318.61409375},{"speaker":"SPEAKER_01","start":318.61409375,"end":318.85034375000004},{"speaker":"SPEAKER_00","start":318.85034375000004,"end":318.96846875},{"speaker":"SPEAKER_01","start":318.96846875,"end":344.46659375},{"speaker":"SPEAKER_00","start":322.84971875,"end":324.79034375000003},{"speaker":"SPEAKER_00","start":328.28346875,"end":329.73471875},{"speaker":"SPEAKER_00","start":330.10596875000005,"end":330.46034375000005},{"speaker":"SPEAKER_00","start":332.51909375,"end":332.67096875000004},{"speaker":"SPEAKER_01","start":344.88846875,"end":353.96721875000003},{"speaker":"SPEAKER_00","start":353.96721875000003,"end":354.33846875},{"speaker":"SPEAKER_01","start":354.50721875000005,"end":370.43721875},{"speaker":"SPEAKER_00","start":355.28346875,"end":357.17346875000004},{"speaker":"SPEAKER_00","start":364.80096875000004,"end":365.05409375000005},{"speaker":"SPEAKER_01","start":370.96034375000005,"end":399.14159375},{"speaker":"SPEAKER_01","start":399.37784375,"end":402.01034375},{"speaker":"SPEAKER_01","start":402.53346875000005,"end":403.19159375000004},{"speaker":"SPEAKER_01","start":403.84971875,"end":407.03909375},{"speaker":"SPEAKER_01","start":407.71409375,"end":411.07221875000005},{"speaker":"SPEAKER_01","start":411.66284375000004,"end":418.58159375},{"speaker":"SPEAKER_01","start":419.88096875,"end":421.80471875},{"speaker":"SPEAKER_01","start":422.22659375,"end":424.50471875000005},{"speaker":"SPEAKER_01","start":424.67346875000004,"end":438.32534375},{"speaker":"SPEAKER_01","start":438.67971875,"end":439.48971875},{"speaker":"SPEAKER_01","start":439.67534375,"end":441.17721875},{"speaker":"SPEAKER_01","start":441.71721875000003,"end":443.35409375},{"speaker":"SPEAKER_01","start":443.64096875,"end":448.23096875000005},{"speaker":"SPEAKER_01","start":448.78784375000004,"end":456.60096875000005},{"speaker":"SPEAKER_01","start":457.05659375000005,"end":468.58221875000004},{"speaker":"SPEAKER_01","start":470.01659375,"end":475.90596875000006},{"speaker":"SPEAKER_01","start":476.61471875,"end":479.31471875000005},{"speaker":"SPEAKER_01","start":479.87159375000005,"end":484.41096875000005},{"speaker":"SPEAKER_01","start":485.11971875,"end":487.34721875},{"speaker":"SPEAKER_01","start":487.93784375,"end":488.89971875000003},{"speaker":"SPEAKER_01","start":489.22034375000004,"end":494.73846875000004},{"speaker":"SPEAKER_01","start":495.02534375000005,"end":496.72971875},{"speaker":"SPEAKER_01","start":496.84784375000004,"end":498.70409375},{"speaker":"SPEAKER_01","start":499.10909375000006,"end":501.92721875},{"speaker":"SPEAKER_01","start":502.72034375000004,"end":521.3840937500001},{"speaker":"SPEAKER_01","start":522.0759687500001,"end":522.0928437499999},{"speaker":"SPEAKER_01","start":522.10971875,"end":522.14346875},{"speaker":"SPEAKER_01","start":522.43034375,"end":523.0547187500001},{"speaker":"SPEAKER_01","start":523.39221875,"end":528.58971875},{"speaker":"SPEAKER_01","start":528.85971875,"end":534.93471875},{"speaker":"SPEAKER_01","start":536.6728437500001,"end":551.6072187500001},{"speaker":"SPEAKER_01","start":551.9109687499999,"end":552.9909687500001},{"speaker":"SPEAKER_01","start":553.46346875,"end":558.3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公共建設包括其他的VOT啦 初餐這些案件 是不是我們的案源不夠我們的案源數不夠 案量不夠所以這一個部分我希望說金管委員 因為你主旗責 所以是不是"},{"start":150.76,"end":165.025,"text":"你查了以後應該跟相關各部會去推動說希望他們能夠趕快去增加這些案源案量比方說交通部的交通的債券啊"},{"start":166.185,"end":185.593,"text":"這些都可以做交通最多這一些部分可以做的因為交通未來通了以後它自償性那麼高嘛不是這樣嗎不管是公路鐵路捷運自償性那麼高是不是按原按量的這個部分你有責任要去請各部位來配合協調因為現在啊"},{"start":188.294,"end":207.231,"text":"我們這個上限說讓他們回來讓他們可以加入公共建設這個我們的上限有三到五兆這麼高耶但是歷年來加起來受選院回來的資金參與投入公共建設的才一千億一千億耶離"},{"start":209.333,"end":220.278,"text":"現在我們的目標的上限3兆到5兆有非常大的一個距離所以你看法呢 你有沒有預估怎麼樣多少的時間可以在這個部分補足"},{"start":222.05,"end":246.943,"text":"實現委員 委員關心這個議題也是我們現在政策的方向因為其實受險業它長期的資產負債必別不匹配這是導致它長期風險的來源剛剛委員也提到所以我們其實剛剛委員看到那個數字除了剛剛講快遞調整以外我們也確實看到金額 國外投資的金額也在下降這是個好現象就是說我們過去一直都是那個都是一直往上走"},{"start":247.883,"end":261.495,"text":"現在開始往下 雖然是等於說那個比率的部分已經沒有再往上增加了我想這是一個很好的開始再來就是我們投入國內需要一段時間比如說剛剛講工建"},{"start":263.257,"end":282.162,"text":"通常要一段時間的準備這件事情我們也非常的就讓我們的壽險業也參與在我們這次的兆元投資方案裡面剛才這個各個評論如果我有注意到現在很多保險公司已經開始關注到國內很多相關的投資的這些的這些的方案"},{"start":283.542,"end":303.47,"text":"再來就是他們在投資國內資本市場也在增加我想這部分是一個從好的方向去走就像剛剛那個數據我們看到那個國外投資已經開始往下等於說比例開始往下翻轉我們會持續來做這件事情第一個至少跟委員報告很多次至少你現在新收的新錢"},{"start":304.71,"end":326.296,"text":"要能夠盡量留在台灣你已經投出去有他一定的投組的壓力那不見得立刻要撤回來但是你新的錢每年會增加一到兩兆的新錢你就可以來在台灣來投那這樣慢慢的就可以這個錢呢這一點我看可能要再更大的力氣花在這一個部分鐵封委員報告一下新的他們就不要出去啦"},{"start":327.296,"end":352.607,"text":"舊的就回來讓我們擴大這些範圍嘛比如說出產條件不只VOT啊你像VOO ROT VTO這些我們都應該擴大這個層面讓他們只要回來就好甚至我認為都更的案件啊這些都是老屋更新這些這樣子的案件其實都可以擴大他們適用的範圍嘛是"},{"start":355.709,"end":367.96,"text":"其實你既然講到授選這一個部分還有一個大的問題我們最近接獲很多民眾這一兩年來很多民眾的陳情授選公司他們開始"},{"start":371.022,"end":398.499,"text":"比較對民眾保護有利的這個新的安全他們不賣啦新的過去舊的商品比較對保護有利的他們可以不賣啦那因為我們保險法也有規定授權公司確實他有權利他可以停賣這是他們的權利沒錯但是我們現在金管會也配合他們做一個叫利便型的保單"},{"start":399.56,"end":418.295,"text":"那其實我們費率這個應該符合這個氏族性合理性公平性但是在這氏族性合理性公平性之下我們現在用的所謂的雙軌制這一個部分我覺得有點傾向"},{"start":420.029,"end":447.195,"text":"甚至過度傾向對於保險公司對他們有利我們說要保證續保但是我們同意他調高保費那這個就是過度傾向保險公司因為保險公司他們本來就可以停售所以他們是強勢保護是弱勢也就是說對保護真正有利的不用說像醫療險"},{"start":449.048,"end":475.346,"text":"現在我調了一下說最近民眾投訴的案例齁我們光去年啦去年去年一年對於國內21家受選公司對他們申訴投訴的案件竟然高達7000件而且這7000件裡面最多的爭議的就是必要性的醫療"},{"start":477.333,"end":493.558,"text":"還有手術的認定當然這也牽涉到理賠金額的認定那這一些部分啊我認為在這個部分有過度傾斜啦也就是說保險公司仗勢著他的強勢"},{"start":495.548,"end":520.083,"text":"他可以停保你那你要買就買哪幾種這一些都是利率可以變動的所以我認為這樣子過度傾向保險公司這個部分我們應該去做一些調整事實上受險業即便去年有遭遇到匯率跟戰爭這兩個大風險一個俄國的我們買的那一千三百多億那個確實他們風險"},{"start":522.54,"end":534.721,"text":"那這個匯率因為跟美國談判的匯率的波動但是即便這樣這十年來受險公司的獲利"},{"start":536.768,"end":554.94,"text":"除了有三年是以百億來算的 除了三年是百億算有一年946億 一年793億 一年355億其他七年都是上千億啦 都上千億最高的一年我講2021年他就賺了2400億"},{"start":559.384,"end":573.285,"text":"這麼高的利潤喔那去年喔即便去年我剛剛講說我去年那個有遇到這樣的匯率的風險去年他們也只是損益來啦只是小賺"},{"start":574.827,"end":589.685,"text":"也沒有虧到太多啊所以我認為如果以長時期來看壽險業依然是第一個它是民眾社會重要的需求第二點它應該有社會"},{"start":591.667,"end":609.595,"text":"的安定性這個保障性公義性這個是成立授權我們允許他們成立授權允許他們收取那麼多保費我們對他們要求的他們起碼應該盡到的基本的社會責任嘛他們不能"},{"start":611.096,"end":639.682,"text":"那個保險戶不能置消費者於不顧只能說朝他們自己有利的方向去講因為十年來看到了他們還是大量的獲益所以在這一個部分我希望說這個金管我們多加點油啦那申訴的案件確實太高了而且申訴的你看你多數去翻閱這些申訴的理由民眾的內容都是"},{"start":640.342,"end":654.357,"text":"都是孤苦無依需要保險的大眾們他們碰到了碰到了疾病碰到了手術碰到了當初他們保險所需要要買到的保障結果"},{"start":656.259,"end":675.833,"text":"讓他們大失所望所以才會有這麼高這麼多的爭議案件所以那個彭副委任重道遠啦我對你基本上我是非常肯定謝謝我認為你有學者的風範那你也有對理想一定的堅持但是在面對"},{"start":677.034,"end":692.981,"text":"受險業這些金融龐然大物的時候我們要更堅定你要堅定才有辦法帶領你屬下你們金管會你們的保險局銀行局他們才有辦法更堅定去執行好不好好謝謝謝偉銀的勉勵謝謝"}]}},"supported_relations":[],"relations":[]}