{"error":false,"id":["169481"],"data":{"IVOD_ID":169481,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/169481","日期":"2026-05-20","會議資料":{"會議代碼":"委員會-11-5-20-15","會議代碼:str":"第11屆第5會期財政委員會第15次全體委員會議","屆":11,"會期":5,"會次":15,"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15次全體委員會議"},"影片種類":"Clip","開始時間":"2026-05-20T11:50:27+08:00","結束時間":"2026-05-20T12:02:51+08:00","影片長度":"00:12:24","支援功能":["ai-transcript"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/e8e93c7ebde79bae83a129548a73e65b8366f596cea4852fc1cc10fc392248b2621313771590f4455ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"王世堅","委員發言時間":"11:50:27 - 12:02:51","會議時間":"2026-05-20T09:00:00+08:00","會議名稱":"立法院第11屆第5會期財政委員會第15次全體委員會議（事由：一、邀請財政部莊部長翠雲與公股行庫董事長及金融監督管理委員會彭主任委員金隆就「公股金融機構數位轉型、人力招募、員工權益及中長期整併規劃」進行專題報告，並備質詢。\n二、審查中華民國115年度中央政府總預算案行政院歲入預算有關中央銀行股息紅利繳庫部分、財政部及所屬單位歲入預算部分。（僅詢答）\n三、審查中華民國115年度中央政府總預算案有關賦稅署、臺北國稅局、高雄國稅局、北區國稅局及所屬、中區國稅局及所屬、南區國稅局及所屬歲出預算部分。（僅詢答）\n【5月20日及21日二天一次會】\n【預算提案截止時間：5月21日（四）下午5時】）","transcript":{"pyannote":[{"speaker":"SPEAKER_02","start":4.77284375,"end":4.97534375},{"speaker":"SPEAKER_02","start":5.599718750000001,"end":6.730343750000001},{"speaker":"SPEAKER_02","start":7.45596875,"end":8.586593750000002},{"speaker":"SPEAKER_01","start":10.915343750000002,"end":12.231593750000002},{"speaker":"SPEAKER_01","start":12.94034375,"end":13.10909375},{"speaker":"SPEAKER_01","start":13.51409375,"end":14.57721875},{"speaker":"SPEAKER_02","start":19.77471875,"end":19.79159375},{"speaker":"SPEAKER_03","start":19.79159375,"end":20.51721875},{"speaker":"SPEAKER_02","start":20.51721875,"end":21.47909375},{"speaker":"SPEAKER_02","start":22.10346875,"end":32.78534375},{"speaker":"SPEAKER_02","start":33.08909375,"end":34.979093750000004},{"speaker":"SPEAKER_02","start":35.805968750000005,"end":42.657218750000006},{"speaker":"SPEAKER_02","start":43.095968750000004,"end":47.14596875},{"speaker":"SPEAKER_02","start":48.040343750000005,"end":49.69409375},{"speaker":"SPEAKER_02","start":50.65596875,"end":53.018468750000004},{"speaker":"SPEAKER_02","start":53.77784375,"end":55.16159375},{"speaker":"SPEAKER_02","start":55.836593750000006,"end":56.477843750000005},{"speaker":"SPEAKER_02","start":56.76471875,"end":64.37534375},{"speaker":"SPEAKER_02","start":64.45971875000001,"end":84.77721875},{"speaker":"SPEAKER_02","start":86.19471875,"end":96.40409375},{"speaker":"SPEAKER_02","start":97.11284375000001,"end":99.50909375},{"speaker":"SPEAKER_02","start":100.25159375000001,"end":101.88846875},{"speaker":"SPEAKER_02","start":102.29346875,"end":103.54221875},{"speaker":"SPEAKER_02","start":104.03159375000001,"end":106.05659375},{"speaker":"SPEAKER_02","start":106.36034375000001,"end":136.65096875},{"speaker":"SPEAKER_02","start":138.49034375000002,"end":138.87846875},{"speaker":"SPEAKER_02","start":139.11471875,"end":139.65471875},{"speaker":"SPEAKER_02","start":140.19471875000002,"end":141.20721875},{"speaker":"SPEAKER_02","start":141.96659375000002,"end":150.16784375},{"speaker":"SPEAKER_02","start":150.85971875,"end":160.05659375000002},{"speaker":"SPEAKER_02","start":160.34346875,"end":161.01846875},{"speaker":"SPEAKER_02","start":161.37284375000002,"end":161.89596875},{"speaker":"SPEAKER_02","start":163.12784375,"end":181.48784375000002},{"speaker":"SPEAKER_02","start":182.12909375,"end":185.41971875000002},{"speaker":"SPEAKER_02","start":186.29721875,"end":189.26721875},{"speaker":"SPEAKER_02","start":189.80721875,"end":192.52409375000002},{"speaker":"SPEAKER_02","start":193.78971875000002,"end":196.05096875},{"speaker":"SPEAKER_02","start":197.01284375,"end":198.10971875},{"speaker":"SPEAKER_02","start":198.88596875000002,"end":199.22346875000002},{"speaker":"SPEAKER_02","start":199.52721875,"end":200.18534375000002},{"speaker":"SPEAKER_02","start":200.91096875000002,"end":201.75471875000002},{"speaker":"SPEAKER_02","start":202.12596875000003,"end":203.69534375},{"speaker":"SPEAKER_02","start":205.23096875000002,"end":208.92659375000002},{"speaker":"SPEAKER_02","start":209.58471875,"end":212.20034375},{"speaker":"SPEAKER_02","start":212.50409375,"end":215.44034375},{"speaker":"SPEAKER_02","start":216.14909375000002,"end":216.53721875000002},{"speaker":"SPEAKER_02","start":216.72284375,"end":218.84909375},{"speaker":"SPEAKER_02","start":219.67596875,"end":220.46909375},{"speaker":"SPEAKER_02","start":221.54909375000003,"end":222.96659375000002},{"speaker":"SPEAKER_02","start":223.08471875,"end":223.62471875000003},{"speaker":"SPEAKER_02","start":224.04659375000003,"end":224.90721875000003},{"speaker":"SPEAKER_02","start":225.91971875000002,"end":236.09534375},{"speaker":"SPEAKER_02","start":236.63534375,"end":238.15409375000002},{"speaker":"SPEAKER_03","start":239.75721875000002,"end":264.96846875},{"speaker":"SPEAKER_02","start":263.12909375000004,"end":263.63534375},{"speaker":"SPEAKER_02","start":264.96846875,"end":276.96659375},{"speaker":"SPEAKER_03","start":276.96659375,"end":277.00034375},{"speaker":"SPEAKER_02","start":277.00034375,"end":277.03409375},{"speaker":"SPEAKER_03","start":277.03409375,"end":277.05096875000004},{"speaker":"SPEAKER_02","start":277.47284375000004,"end":277.52346875},{"speaker":"SPEAKER_03","start":277.52346875,"end":298.41471875},{"speaker":"SPEAKER_02","start":297.45284375,"end":312.96096875},{"speaker":"SPEAKER_02","start":313.58534375,"end":351.31784375},{"speaker":"SPEAKER_02","start":352.24596875000003,"end":363.19784375},{"speaker":"SPEAKER_02","start":364.36221875,"end":367.66971875},{"speaker":"SPEAKER_02","start":368.14221875000004,"end":368.69909375000003},{"speaker":"SPEAKER_02","start":369.45846875,"end":370.16721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因為多數保險公司很多案例啦 爭議的案例 像評議中心提出的就是說這些保險公司針對私自老人請求的理賠往往不理賠 原因他就是說這個啊 在"},{"start":163.208,"end":192.236,"text":"你投保錢就已經有失智的現象發生了但是所謂的失智現象發生並沒有在保險要求的說你保險那你是老人家那你要先去做失智評估並沒有所以這樣子的爭議太多了可以說我們在金融評議的爭議裡面光這幾年來這三年來的平均"},{"start":193.851,"end":219.767,"text":"我們由110年度44%的這些老年人金融評議的爭議增加到現在兩對80.38%那麼非高齡者喔當高齡者的增高這麼多的時候那非高齡者只是他們的一半可見"},{"start":221.601,"end":237.804,"text":"金融機構保險機構他們對老年人尤其失智老年人他們有一套他們在應變在腳拖的方式所以我認為要積極推動失智保險你覺得怎麼樣"},{"start":240.956,"end":263.345,"text":"非常謝謝委員的一個提醒其實在這個部分我們已經看到了除了一般的社會安全網以外其實保險這個地方其實也是一個底層的社會安全網但是如果正如委員所講的如果只有給錢的話其實我們看到很多說窮的只剩下錢或者是老的只剩下錢因為它在某些的一個"},{"start":263.945,"end":277.721,"text":"所以我希望李培是不是推動這樣的保險李培可以用到他該用的地方直接擠付過去 否則他連自己有什麼樣的帳號多少錢都不曉得不是這樣嗎 是"},{"start":278.942,"end":297.759,"text":"所以說其實不單單在保險我們在比如說預開型的一個信託就是一開始的時候就指定一個所謂的監護以及這個信託呢就是到時候就會去安養他那對於市政的保險我們也則成功會現在目前在研議當中我是不是請那個保險局副局長跟那個人報告一下"},{"start":298.7,"end":317.752,"text":"好 我時間有限 我知道言歷當中你到時候有個時辰給我具體的言歷到什麼程度我們已經實質可以做到什麼程度要告訴我因為我針對你剛剛講的這一句話這一句話很對 安養信託啦其實私自抱怨跟安養信託應該相輔相成"},{"start":320.1,"end":340.615,"text":"那現在我們的金融機構不是沒有做 有許多銀行有做像那個華南銀行可能是做最多的連彰化銀行都有做 華南銀行大概三萬五千件啦那這個彰化銀行他們也都有三萬多件公股 網股 台銀 土銀 包括兆豐也都有"},{"start":341.255,"end":367.184,"text":"民營航空大概只有玉山他們在做公營合作金庫也有在做雖然做的戶數都不多大概也都有兩萬人以上但是總的我們現在所有金融機構加總起來做安養信託的只佔總數百分之四啦總存戶的百分之四我認為那個"},{"start":369.642,"end":385.551,"text":"副主委我認為這樣的數字還是太低我們要求金融機構銀行他們積極去推動那做的好的像華銀張銀他們有積極在做的要鼓勵他用什麼方式鼓勵他再繼續去推"},{"start":388.413,"end":403.758,"text":"其實正如委員所講的我們目前為止安養信託大概有21萬人左右信託財產是1930億看起來不多但是其實從去年114年3月到115年3月它的成長比率是25%"},{"start":405.859,"end":430.692,"text":"等於是說呢在這個地方我們對於不管是說政府或者是民間或一般的家庭他呢重視到這個地方不單單是一個私自保險一般的銀髮的一個經濟對於安養信託或者以防養老呢大家呢都對於我們老有所養的這個部分的金融的資源呢其實他也給我們今晚會很大的一個期待我們也會持續的努力下去"},{"start":431.212,"end":436.394,"text":"我們從111年四年前開始我們有要求企業上市櫃公司他們要去做這個"},{"start":448.6,"end":470.953,"text":"永續發展這個評估就是關於排碳量溫室效應所謂的上市櫃公司永續發展路徑圖我們從四年前就開始推動那目標是要積極減碳這非常的好非常的好可是我要了解的就是說目前這個成效似乎"},{"start":473.821,"end":497.628,"text":"不怎麼樣土地銀行他們有做他們做的就是說到兩年前為止他們企業綠色授信是佔他們總放款的10.35%也就是1230億土銀在這個部分有他算是交出比較亮麗的成績單可是"},{"start":498.991,"end":519.651,"text":"也只有10%那所以這個部分是不是比較低是不是你要要求所有你轄管的金融機構應該在這個部分積極去推動因為我們既然有要求了要永續發展那這個但是這個永續發展繳交的這個報告啊都是讓"},{"start":520.732,"end":546.967,"text":"這些表格都是給企業他們自己去填也沒有像土銀我剛剛講的這麼大筆金的1230億總數裡面大概都根據的也是企業自己繳交回來的關於這個碳排放關於這個部分他們自己的敘述描述根本沒有任何的監督沒有任何的考核那這個部分應該加強"},{"start":548.248,"end":575.513,"text":"好不好好是在綠色金融部分的話其實已在四年前的所謂的赤道原則從關股銀行開始簽之後呢其實呢對於綠色的放緩他們就非常非常的一個重視那當然了在某些部分中小企業的話我們對於在綠色的一個定義就是說有些中小企業我們是鼓勵他轉型儘管他有一些他仍然有一些碳排污這些只要他有一些轉型措施呢在各個關股這一邊你剛剛講中小我光講"},{"start":577.893,"end":603.185,"text":"中大的 大的就好啦 到前年底為止喔我們要求 這麼要求 這2000家上市櫃公司裡面還有183家欸50億以下的 有183家他根本連甩都不甩 也沒有填去任何的表格但是 他跟銀行跟金融機構還是正常在往來"},{"start":604.805,"end":614.33,"text":"我們金融機構還是一樣在鼓勵他我覺得這個部分要定期追蹤考核好不好好 那時間暫停 您請回我請那個莊部長請莊部長莊部長 莊部長 我跟你談到你你這個最心心念念的稅金你是一毛不拔"},{"start":631.212,"end":654.941,"text":"那我裡面跟你提的這一點就是關於我們現在少子化已經是國安問題那麼醫藥及生育費這一個部分啊你們一直講一直堅持說坐月子中心是休養不是醫療性質所以坐月子中心不能抵稅啦那我因為時間到我簡單要求你說是不是"},{"start":656.141,"end":672.284,"text":"少子化這是國安問題是所有部會的事情全方位的要來做那麼我們很清楚坐月子是對於女性產後她們身體保養復健是最好的一個方式"},{"start":672.865,"end":700.774,"text":"那麼你要能夠這樣子讓產婦安心大家才敢生小孩不是這樣嗎而且也幫助女性同胞產後她能夠更快速回到她的工作崗位不是這樣嗎所以我認為應該把坐月子中心的費用納入醫療跟這個生育費納入到這裡面到列舉的扣除額裡面這樣好不好你什麼時候給我答覆"},{"start":701.789,"end":728.941,"text":"委員我們是不是再用那個書面來跟您回覆書面不然你先粗暴跟我講你到底肯或不肯嘛我跟委員報告對於少子化的整體戰略的一個對策那個行政院以及總統會做一個完整的報告包含從生養到教育都會有一個完整的一個戰略性作業者中心是非常重要的一部分好不好我想這個部分在整體方案裡面也有提到作業者的事情不要一毛不拔啦不要一毛不拔"},{"start":731.002,"end":731.042,"text":"主席"}]}},"supported_relations":[],"relations":[]}