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10:06:30","會議時間":"2026-06-10T09:00:00+08:00","會議名稱":"立法院第11屆第5會期財政委員會第18次全體委員會議（事由：一、審查中華民國115年度中央政府總預算案附屬單位預算營業部分關於中央銀行（含中央造幣廠、中央印製廠）。（詢答及處理）\n二、審查中華民國115年度中央政府總預算案附屬單位預算營業部分，關於財政部主管中國輸出入銀行、臺灣金融控股股份有限公司（含臺灣銀行股份有限公司、臺銀人壽保險股份有限公司、臺銀綜合證券股份有限公司）。（僅詢答）\n【6月10日及11日兩天一次會】\n【預算提案截止時間：第一案6月10日（三）上午10時，第二案6月10日（三）下午5時】）","transcript":{"pyannote":[{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":4.6040937500000005,"end":12.434093750000002,"speaker_score":0.968},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":12.552218750000002,"end":15.184718750000002,"speaker_score":0.968},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":20.11221875,"end":21.02346875,"speaker_score":0.968},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":21.192218750000002,"end":27.01409375,"speaker_score":0.968},{"speaker":"SPEAKER_00","speaker_name":"凌董事長忠嫄","start":28.76909375,"end":35.56971875,"speaker_score":0.959},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":34.79346875,"end":37.830968750000004,"speaker_score":0.968},{"speaker":"SPEAKER_00","speaker_name":"凌董事長忠嫄","start":38.016593750000006,"end":39.78846875,"speaker_score":0.959},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":39.21471875,"end":45.55971875,"speaker_score":0.968},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":46.234718750000006,"end":48.44534375,"speaker_score":0.968},{"speaker":"SPEAKER_00","speaker_name":"凌董事長忠嫄","start":48.900968750000004,"end":56.54534375,"speaker_score":0.959},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":55.634093750000005,"end":56.52846875,"speaker_score":0.968},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":56.54534375,"end":56.579093750000006,"speaker_score":0.968},{"speaker":"SPEAKER_00","speaker_name":"凌董事長忠嫄","start":56.579093750000006,"end":56.64659375,"speaker_score":0.959},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":56.64659375,"end":56.66346875,"speaker_score":0.968},{"speaker":"SPEAKER_00","speaker_name":"凌董事長忠嫄","start":56.66346875,"end":58.24971875000001,"speaker_score":0.959},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":58.24971875000001,"end":63.59909375,"speaker_score":0.968},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":63.666593750000004,"end":63.70034375,"speaker_score":0.968},{"speaker":"SPEAKER_00","speaker_name":"凌董事長忠嫄","start":63.70034375,"end":72.74534375,"speaker_score":0.959},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":72.12096875,"end":73.09971875000001,"speaker_score":0.968},{"speaker":"SPEAKER_00","speaker_name":"凌董事長忠嫄","start":73.09971875000001,"end":73.97721875,"speaker_score":0.959},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":73.97721875,"end":75.02346875,"speaker_score":0.968},{"speaker":"SPEAKER_00","speaker_name":"凌董事長忠嫄","start":75.02346875,"end":75.22596875,"speaker_score":0.959},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":75.22596875,"end":75.29346875,"speaker_score":0.968},{"speaker":"SPEAKER_00","speaker_name":"凌董事長忠嫄","start":75.85034375000001,"end":80.25471875000001,"speaker_score":0.959},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":79.95096875,"end":85.90784375000001,"speaker_score":0.968},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":86.39721875000001,"end":96.01596875,"speaker_score":0.968},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":96.30284375000001,"end":102.54659375,"speaker_score":0.968},{"speaker":"SPEAKER_00","speaker_name":"凌董事長忠嫄","start":102.90096875,"end":114.76409375,"speaker_score":0.959},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":114.12284375,"end":116.19846875,"speaker_score":0.968},{"speaker":"SPEAKER_00","speaker_name":"凌董事長忠嫄","start":116.19846875,"end":124.97346875000001,"speaker_score":0.959},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":124.97346875000001,"end":127.26846875000001,"speaker_score":0.968},{"speaker":"SPEAKER_00","speaker_name":"凌董事長忠嫄","start":125.59784375000001,"end":126.10409375,"speaker_score":0.959},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":127.70721875000001,"end":146.70846875,"speaker_score":0.968},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":147.40034375000002,"end":179.04096875000002,"speaker_score":0.968},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":179.53034375000001,"end":217.46534375000002,"speaker_score":0.968},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":217.48221875000002,"end":240.76971875,"speaker_score":0.968},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":240.88784375,"end":254.67471875,"speaker_score":0.968},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":254.86034375000003,"end":257.84721875,"speaker_score":0.968},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":258.60659375,"end":271.27971875000003,"speaker_score":0.968},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":271.87034375,"end":354.81096875000003,"speaker_score":0.968},{"speaker":"SPEAKER_01","speaker_name":"林委員岱樺","start":355.04721875,"end":361.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張志宏董事長林委員好好 林董事長您對於台銀人壽的經營滿意嗎"},{"start":28.8,"end":30.181,"text":"你覺得他年年虧損資本市主力大幅下降,保險商品解約金額暴增,你有什麼看法?"},{"start":49.279,"end":62.951,"text":"其實它有一個比較嚴肅的一個歷史的包袱也就是說它成立的時候其實有非常多的高利率的保單你知道成立的時候是幾年嗎97年所以97年到115年的高利率保單到現在都還沒有辦法解決因為那個保險的年期是非常長所以它是一個非常長期的負債所以當時銷售的這個高利率保單到目前為止對台銀人來說來講所以你覺得這個是它最主要虧損的原因"},{"start":76.402,"end":101.56,"text":"因為他必須要有投報率必須要高過那些高利率保障那他對於他你們他也說到他這個金雲不散是因為金融環境劇烈這個可是只有同樣都在人壽保險的這個金融的這個劇烈地緣政治的風險的提高都是在去年開始那這個其他的人壽的公司壽險公司也沒有這樣的虧損"},{"start":103.281,"end":123.058,"text":"其實大概這幾年整個保險公司呢他的整個獲利的狀況都呈現非常劇烈的一個波動的狀況那我們台銀人壽其實有非常的努力所以你對他的經營是非常的滿意這兩年我覺得是可以接受的因為我們請這個金控全部的力量去做一些支持因為有你這個父爸爸我提幾個數據"},{"start":127.802,"end":141.185,"text":"你財政部下這個吃錢大肥貓就是台銀人壽你對於今年要再增資150億本息非常有意見你從97年從台灣銀行分割出來之後啊初期的資本額是50億從98年度到115年你增資了10次"},{"start":147.507,"end":149.848,"text":"所以你增資的時次到100 今年一口氣再編足了150億整個這樣從97年到115年來你高達735億的增資這都是人民的血汗錢百分百人民的預算"},{"start":165.555,"end":168.098,"text":"好 那你說呢 台銀人壽說115年接軌新資營運績效能夠展現體質精進然後呢 到4月的時候你們有呈現正數好 這是你們的說法好 來 再來好 那這個真知無底洞"},{"start":181.556,"end":203.665,"text":"你既然說已經累積735億的民脂民膏換來的是具有的虧損每一次你的說法都是這樣啊三種說法我強化風險承擔能力我經營轉型啊我第三階軌新制啊哪一次的政治不是這三個理由然後你的獲利是慘不忍睹你在這個去年10月底以前你的稅前淨損72.92億"},{"start":207.927,"end":235.276,"text":"今年啦 你們好厲害 你們說我去年虧了72.92億我今年預估我會稅前淨利0.35億哇 這神準然後你的資本氏族率呢斷崖式的這個崩跌就是你的資本是不是足夠你的氏族率 簡單講就是我的資本是不是能夠吸收你的風險嘛那我們規定要200%那你們在這個去年的時候呢"},{"start":235.956,"end":245.403,"text":"暴跌182.92這個失足率不足所以這就是你們講的接軌心智經營轉型轉型這麼多虧損越來越大今年要再編150億還能夠救回來嗎好 解約既然講到說你們真的經營得很好結果呢數字會說話 解約草"},{"start":258.693,"end":267.56,"text":"保護的信心崩解那讓本席擔心的109年的解約的解約金額是54.81113年是109.981這5年來你幾乎是解約金額是達到3.48倍好那你們解約呢你們我也所知了你們的說法是什麼"},{"start":279.389,"end":280.65,"text":"這個解約是因為資金的調度投資等因素韓國也是一樣全球股市漲勢勢如破竹致使保護大量解約保險及提領儲蓄存款"},{"start":296.784,"end":305.128,"text":"把資金投入股市以追求更高的報酬率導致解約這個數量增加這是你白紙黑字寫給我的你們來檢討那表示其他的人壽民營的人壽受險公司也應該是這樣解約潮非常非常的高喔應該是這個意思好那這個解約潮奔跑你領走的錢比較進取的多可是你說解約潮這也不對今年115年才股市大漲"},{"start":326.317,"end":328.177,"text":"可是你的解約潮在什麼時候就開始啊看看這張表這也是你們提供的110年你的解約的比例已經到31.43%到這個111年解約的金額在你保險整個給付的金額是47.33%112年解約的比例到6成113年解約到66114年還有6成"},{"start":355.504,"end":360.97,"text":"這個真的是股市大漲是今年的事啊你怎麼會是這樣的解釋呢好 再來來"},{"start":366.175,"end":387.527,"text":"那你們呢 這個違規 我覺得這個部分我覺得你本來 林董事長我覺得你都要起來發展那我覺得金管會的督導不足保險法講得很規定喔你們要你們的這個可運用的保險的 運用的資金投資到國外的金額這是有規定的喔"},{"start":388.187,"end":390.088,"text":"那當然這講得很專業啊 國外保險 保險業國外投資加計國際版不得欲國外投資金額合度的145%好 這個看起來很專業結論是什麼 你們連續犯規三次 什麼意思也就是說呢 確實你們這個投資國外有獲利 但是是什麼"},{"start":409.477,"end":424.067,"text":"是違規而獲利就好像詐騙一樣可以賺很多錢可是詐騙是我們可以容許的嗎你們就有點這個概念好 所以你們重大的裁罰跟糾正的紀錄就爬出這幾年就好了2028 2020 2022 2020每兩年都被金管會罰罰多少錢"},{"start":432.552,"end":459.578,"text":"最多罰120萬平均罰60萬或者就給一糾正不痛不癢所以金管會啊也對你們台只要講到台灣這個台灣金融金控啊哇這個官官相護啊所以呢最後你們的結語我真看不下去所之後的結語說呢請你們面對檢討所以台銀人壽歷經實景的虧損在母公司台灣金控的支持下台銀人壽啊"},{"start":460.718,"end":483.084,"text":"近年來啊 透過強化資本厚職啊等等等表示什麼 我靠的就是父爸爸我只要呢 我怎麼來解決我的這個十幾年的虧損因為我有父爸爸 每年不斷的增資然後增資了十次 十三年來增資了十次所以你覺得這樣的父爸爸跟女兒困境怎麼解決啊董事長請說你怎麼說我國會在支持你這150億啊"},{"start":489.526,"end":504.377,"text":"我首先說明一下為什麼這個台銀人壽必須要增資因為其實金管會對我們台銀人壽也有所要求那最主要是它的法規的規定就是說它的這個資本市足率本身至少要達到法定的一些要求的水準"},{"start":504.997,"end":532.803,"text":"那達到這些法定要求的水準呢才可以進行一些新種業務的乘坐如果說我們達不到要求的時候呢其實我們也沒有辦法推出新的保險的商品那在市場上也沒有新的商品可以販售所以這是第一個的要求就是必須要達到資本市足率的要求所以前面呢第一次到第七次的增資呢都是因為當時呢承接這個中信局成立的時候成立的這個人壽保險呢它有一些高利差造成我們的資本的不足所以呢"},{"start":534.318,"end":561.092,"text":"這部分呢一定要這個迅速的一些增資呢才可以達到法定的要求那整個公司的業務才可以持續來運作下去那在最近這兩次呢就114年跟115年這兩次的增資呢也是因為這個金管會的一些法規的要求它有所改變就是IFRS 17呢還有TIS的兩個制度TIS也就是新的這個資本市足率的制度那這兩個制度的要求呢就讓這個我們自己本身呢必須要再做一些調整所以到底這個"},{"start":562.092,"end":567.315,"text":"到底這家公司的經營表示通通都沒問題你太很滿意反正原因就是那個高單價的這個高利率的保單是一個沉重的負擔所以呢我完全也不需要什麼經營的利益沒有沒有沒有我們後面還是有做了非常非常多的努力就是說我們不斷的推出了這些的新的商品人壽的商品其實它在目前在市場上都已經有競爭力了所以我們目前銷售的動能也比較強那剛才您提到的那個解約的問題"},{"start":590.305,"end":600.944,"text":"解約的問題其實這些保險就是這些保險人本身他也會看整個整體的這個經濟情勢的變化譬如說當美元的這個利率呢比較高的時候"},{"start":602.403,"end":613.63,"text":"他當時買了這個美金的保單如果說那個利率沒有達到當時因為前幾年大概就是美金的利率都非常高就造成非常大的節約差來 董事長你講那麼多啦來 我再回顧到我的簡報的第幾頁讓你看一下你講這些來 我們來看這個我簡報的第三頁你的市足率"},{"start":623.576,"end":630.66,"text":"這幾年當中也有少於200的喔你看這個第105年也少於200106年也少於200109年少於200然後到去年少於200所以這個市足率不足是你的常態"},{"start":639.286,"end":658.139,"text":"好啦那這個時間到了齁那這個您講的部分如果能夠適用在過往你深知的因素能夠能夠能夠這個說明的話那我就會支持你151可是明顯的你講的那些因素在你過往的在補足市值率的時候都呈現了所以還是一樣這151投下去還是會虧損好謝謝林代化委員我們再向委員補充一下好謝謝"}],"gazette":[{"speaker":"林委員岱樺","start":"2026-06-10T09:55:31.979000+08:00","guessed":false,"end":"2026-06-10T09:55:40.006000+08:00","text":"有請臺灣金控凌忠嫄董事長、臺銀人壽張志宏董事長。","quality":0.864},{"speaker":"主席","start":"2026-06-10T09:55:40.006000+08:00","guessed":false,"end":"2026-06-10T09:55:41.328000+08:00","text":"請凌忠嫄董事長、張志宏董事長。","quality":0.769},{"speaker":"凌董事長忠嫄","start":"2026-06-10T09:55:41.328000+08:00","guessed":false,"end":"2026-06-10T09:55:41.528000+08:00","text":"林委員好。","quality":1},{"speaker":"林委員岱樺","start":"2026-06-10T09:55:41.748000+08:00","guessed":false,"end":"2026-06-10T09:55:42.208000+08:00","text":"凌董事長，您對於臺銀人壽的經營滿意嗎？","quality":0.941},{"speaker":"凌董事長忠嫄","start":"2026-06-10T09:55:42.208000+08:00","guessed":true,"end":"2026-06-10T09:55:46.785333+08:00","text":"臺銀人壽在成立的時候肩負了一些比較……","quality":0},{"speaker":"林委員岱樺","start":"2026-06-10T09:55:46.785333+08:00","guessed":true,"end":"2026-06-10T09:55:51.362667+08:00","text":"像軍人的保險都在這邊承保。","quality":0},{"speaker":"凌董事長忠嫄","start":"2026-06-10T09:55:51.362667+08:00","guessed":true,"end":"2026-06-10T09:55:55.940000+08:00","text":"對，其實不只軍人保險。","quality":0},{"speaker":"林委員岱樺","start":"2026-06-10T09:55:55.940000+08:00","guessed":false,"end":"2026-06-10T09:55:57.161000+08:00","text":"臺銀人壽年年虧損，資本適足率大幅下降，保險商品解約金額暴增，對這些你有什麼看法？","quality":0.722},{"speaker":"凌董事長忠嫄","start":"2026-06-10T09:56:16.279000+08:00","guessed":false,"end":"2026-06-10T09:56:22.705000+08:00","text":"其實它有比較嚴肅的歷史包袱，也就是說成立時有非常多高利率保單……","quality":1},{"speaker":"林委員岱樺","start":"2026-06-10T09:56:22.705000+08:00","guessed":false,"end":"2026-06-10T09:56:23.606000+08:00","text":"你知道在幾年成立的？97年。","quality":0.7},{"speaker":"林委員岱樺","start":"2026-06-10T09:56:23.766000+08:00","guessed":false,"end":"2026-06-10T09:56:25.307000+08:00","text":"所以從97年到115年的高利率保單問題到現在都還沒有辦法解決？","quality":0.88},{"speaker":"凌董事長忠嫄","start":"2026-06-10T09:56:25.307000+08:00","guessed":false,"end":"2026-06-10T09:56:27.029000+08:00","text":"因為保險年期非常長，所以是一個非常長期的負債。","quality":1},{"speaker":"凌董事長忠嫄","start":"2026-06-10T09:56:27.269000+08:00","guessed":false,"end":"2026-06-10T09:56:29.290000+08:00","text":"到目前為止，當時銷售的高利率保單對臺銀人壽來講……","quality":0.727},{"speaker":"林委員岱樺","start":"2026-06-10T09:56:29.290000+08:00","guessed":false,"end":"2026-06-10T09:56:29.931000+08:00","text":"所以你覺得這是最主要的虧損原因？","quality":0.933},{"speaker":"凌董事長忠嫄","start":"2026-06-10T09:56:44.143000+08:00","guessed":false,"end":"2026-06-10T09:56:46.825000+08:00","text":"要有……投報率必須高過那些高利率保單。","quality":0.938},{"speaker":"林委員岱樺","start":"2026-06-10T09:56:48.366000+08:00","guessed":false,"end":"2026-06-10T09:57:08.560000+08:00","text":"你們也說經營不善是因為金融環境劇烈，可是同樣都是人壽保險，金融環境劇烈、地緣政治風險提高都是從去年開始的，但其他的壽險公司並沒有這樣的虧損！","quality":0.846},{"speaker":"凌董事長忠嫄","start":"2026-06-10T09:57:10.281000+08:00","guessed":false,"end":"2026-06-10T09:57:19.930000+08:00","text":"其實這幾年保險公司的整個獲利狀況都呈現非常劇烈的波動，我們臺銀人壽非常努力，因為我們金控……","quality":0.857},{"speaker":"林委員岱樺","start":"2026-06-10T09:57:20.590000+08:00","guessed":false,"end":"2026-06-10T09:57:23.012000+08:00","text":"所以你對它的經營非常滿意？","quality":0.917},{"speaker":"凌董事長忠嫄","start":"2026-06-10T09:57:23.753000+08:00","guessed":false,"end":"2026-06-10T09:57:29.217000+08:00","text":"這兩年我覺得可以接受，因為我們傾金控全部的力量去支持，我們也希望……","quality":0.8},{"speaker":"林委員岱樺","start":"2026-06-10T09:57:29.638000+08:00","guessed":false,"end":"2026-06-10T09:57:29.898000+08:00","text":"因為有你這個富爸爸……","quality":0.889},{"speaker":"凌董事長忠嫄","start":"2026-06-10T09:57:29.898000+08:00","guessed":true,"end":"2026-06-10T09:57:30.898000+08:00","text":"不是、不是。","quality":0},{"speaker":"林委員岱樺","start":"2026-06-10T09:57:29.918000+08:00","guessed":false,"end":"2026-06-10T09:57:30.058000+08:00","text":"我提幾個數據來說明。","quality":0.667},{"speaker":"林委員岱樺","start":"2026-06-10T09:57:35.302000+08:00","guessed":false,"end":"2026-06-10T09:57:42.184000+08:00","text":"財政部底下的吃錢大肥貓就是臺銀人壽，所以對於今年要再增資150億這件事，本席非常有意見！","quality":0.789},{"speaker":"林委員岱樺","start":"2026-06-10T09:57:42.944000+08:00","guessed":false,"end":"2026-06-10T09:57:55.167000+08:00","text":"97年自臺灣銀行分割出來，初期資本額是50億，而98年到115年增資了十次，都已經增資了十次，又在今年一口氣編足150億。","quality":0.773},{"speaker":"林委員岱樺","start":"2026-06-10T09:57:55.187000+08:00","guessed":false,"end":"2026-06-10T09:57:56.828000+08:00","text":"從97年到115年，增資高達735億，這都是人民的血汗錢，百分百是人民的預算。","quality":0.889},{"speaker":"林委員岱樺","start":"2026-06-10T09:58:12.996000+08:00","guessed":false,"end":"2026-06-10T09:58:14.297000+08:00","text":"臺銀人壽說115年接軌新制，營運績效展現體質精進，並在4月時呈現正數，這是你們的說法。","quality":0.914},{"speaker":"林委員岱樺","start":"2026-06-10T09:58:14.418000+08:00","guessed":false,"end":"2026-06-10T09:58:15.078000+08:00","text":"再來，增資無底洞！","quality":0.714},{"speaker":"林委員岱樺","start":"2026-06-10T09:58:30.737000+08:00","guessed":false,"end":"2026-06-10T09:58:34.539000+08:00","text":"都已經累積了735億的民脂民膏，卻換來巨額虧損！","quality":0.737},{"speaker":"林委員岱樺","start":"2026-06-10T09:58:34.539000+08:00","guessed":false,"end":"2026-06-10T09:58:41.682000+08:00","text":"每一次你們的說法都是這三種：強化風險承擔能力、經營轉型、接軌新制。","quality":0.931},{"speaker":"林委員岱樺","start":"2026-06-10T09:58:42.202000+08:00","guessed":false,"end":"2026-06-10T09:58:44.143000+08:00","text":"哪一次的增資不是用這三個理由？","quality":0.786},{"speaker":"林委員岱樺","start":"2026-06-10T09:58:45.443000+08:00","guessed":false,"end":"2026-06-10T09:58:47.244000+08:00","text":"結果獲利慘不忍睹！","quality":0.75},{"speaker":"林委員岱樺","start":"2026-06-10T09:58:47.564000+08:00","guessed":false,"end":"2026-06-10T09:59:09.012000+08:00","text":"在去年10月底前，稅前淨損72.92億；今年你們好厲害，你們說去年虧了72.92億，今年預估稅前淨利0.35億，神準，但資本適足率卻呈現斷崖式的崩跌！","quality":0.891},{"speaker":"林委員岱樺","start":"2026-06-10T09:59:10.892000+08:00","guessed":false,"end":"2026-06-10T09:59:12.973000+08:00","text":"何謂資本適足率？","quality":0.571},{"speaker":"林委員岱樺","start":"2026-06-10T09:59:13.793000+08:00","guessed":false,"end":"2026-06-10T09:59:17.634000+08:00","text":"簡單說，就是資本是不是能吸收風險。","quality":0.933},{"speaker":"林委員岱樺","start":"2026-06-10T09:59:19.095000+08:00","guessed":false,"end":"2026-06-10T09:59:29.641000+08:00","text":"目前規定要200%，但在去年你們暴跌到182.92%，資本適足率不足，這就是你們講的接軌新制、經營轉型。","quality":0.667},{"speaker":"林委員岱樺","start":"2026-06-10T09:59:29.661000+08:00","guessed":false,"end":"2026-06-10T09:59:30.001000+08:00","text":"轉型了這麼多，虧損卻越來越大！","quality":0.846},{"speaker":"林委員岱樺","start":"2026-06-10T09:59:30.061000+08:00","guessed":false,"end":"2026-06-10T09:59:31.042000+08:00","text":"今年要再編150億，還能夠救回來嗎？","quality":1},{"speaker":"林委員岱樺","start":"2026-06-10T09:59:31.122000+08:00","guessed":false,"end":"2026-06-10T09:59:47.174000+08:00","text":"講到解約，你們說經營得很好，結果數字會說話，解約潮危機，因為保戶信心崩解！","quality":0.719},{"speaker":"林委員岱樺","start":"2026-06-10T09:59:48.495000+08:00","guessed":false,"end":"2026-06-10T09:59:53.119000+08:00","text":"本席擔心的是，109年的解約金額是54.84億，113年是109.98億，這五年來的解約金額達到3.48倍。","quality":0.844},{"speaker":"林委員岱樺","start":"2026-06-10T09:59:53.239000+08:00","guessed":false,"end":"2026-06-10T09:59:54.560000+08:00","text":"你們對解約的說法是什麼？","quality":0.909},{"speaker":"林委員岱樺","start":"2026-06-10T10:00:06.389000+08:00","guessed":false,"end":"2026-06-10T10:00:30.847000+08:00","text":"你們說很多解約是因為資金調度、投資等因素，韓國也是一樣，全球股市漲勢勢如破竹，致保戶大量解約保險、提領儲蓄存款，把資金投入股市，以追求更高的報酬率，導致解約數量增加，這是你們白紙黑字寫給我的你們的檢討，代表其他的民營人壽、壽險公司也應該是這樣，解約潮非常、非常高，我想應該是這個意思。","quality":0.898},{"speaker":"林委員岱樺","start":"2026-06-10T10:00:30.967000+08:00","guessed":false,"end":"2026-06-10T10:00:31.487000+08:00","text":"因解約崩盤之故，所以領走的錢比進去的多。","quality":0.556},{"speaker":"林委員岱樺","start":"2026-06-10T10:00:31.507000+08:00","guessed":false,"end":"2026-06-10T10:00:53.517000+08:00","text":"可是歸因於解約潮也不對，因為今年115年股市大漲，但解約潮從什麼開始的？","quality":0.733},{"speaker":"林委員岱樺","start":"2026-06-10T10:00:53.557000+08:00","guessed":false,"end":"2026-06-10T10:00:53.737000+08:00","text":"看看這張表，這也是你們提供的。","quality":1},{"speaker":"林委員岱樺","start":"2026-06-10T10:00:53.757000+08:00","guessed":false,"end":"2026-06-10T10:00:55.037000+08:00","text":"110年解約的比例已經到31.43%；111年解約金額占保險給付金額達47.33%；112年解約比例甚至來到六成！","quality":0.838},{"speaker":"林委員岱樺","start":"2026-06-10T10:00:55.057000+08:00","guessed":false,"end":"2026-06-10T10:00:55.157000+08:00","text":"113年解約比例更來到66%，即使到了114年仍有六成！","quality":0.389},{"speaker":"林委員岱樺","start":"2026-06-10T10:01:23.585000+08:00","guessed":false,"end":"2026-06-10T10:01:27.810000+08:00","text":"股市大漲是今年的事，你們怎麼會這樣解釋？","quality":0.944},{"speaker":"林委員岱樺","start":"2026-06-10T10:01:34.756000+08:00","guessed":false,"end":"2026-06-10T10:01:42.920000+08:00","text":"至於違規部分，凌董事長，我覺得你真的要起來罰站，而金管會的督導也不足。","quality":0.71},{"speaker":"林委員岱樺","start":"2026-06-10T10:01:43.941000+08:00","guessed":false,"end":"2026-06-10T10:01:55.987000+08:00","text":"根據保險法規定，你們可運用的保險資金投資到國外的金額是有規定的，當然，這裡講得很專業，保險業國外投資加計國際板債券不得逾國外投資已核額度的145%，看起來很專業。","quality":0.875},{"speaker":"林委員岱樺","start":"2026-06-10T10:01:55.987000+08:00","guessed":false,"end":"2026-06-10T10:01:56.048000+08:00","text":"結論是什麼？","quality":1},{"speaker":"林委員岱樺","start":"2026-06-10T10:01:56.048000+08:00","guessed":false,"end":"2026-06-10T10:01:56.188000+08:00","text":"你們連續犯規三次！","quality":1},{"speaker":"林委員岱樺","start":"2026-06-10T10:01:56.208000+08:00","guessed":false,"end":"2026-06-10T10:01:56.348000+08:00","text":"什麼意思？","quality":1},{"speaker":"林委員岱樺","start":"2026-06-10T10:01:56.548000+08:00","guessed":false,"end":"2026-06-10T10:02:22.701000+08:00","text":"亦即你們投資國外確實有獲利，卻是因違規而獲利，這就像詐騙可以賺很多錢，可是我們可以容許詐騙嗎？","quality":0.791},{"speaker":"林委員岱樺","start":"2026-06-10T10:02:22.701000+08:00","guessed":false,"end":"2026-06-10T10:02:24.502000+08:00","text":"你們就有點像這樣的概念。","quality":0.727},{"speaker":"林委員岱樺","start":"2026-06-10T10:02:26.504000+08:00","guessed":false,"end":"2026-06-10T10:02:30.406000+08:00","text":"有關你們重大的裁罰與糾正紀錄，我爬梳這幾年的就好了。","quality":0.75},{"speaker":"林委員岱樺","start":"2026-06-10T10:02:30.486000+08:00","guessed":false,"end":"2026-06-10T10:02:31.067000+08:00","text":"2018年、2020年、2022年到2024年，每兩年都被金管會罰，罰多少錢？","quality":0.722},{"speaker":"林委員岱樺","start":"2026-06-10T10:02:39.552000+08:00","guessed":false,"end":"2026-06-10T10:02:45.213000+08:00","text":"最多罰120萬，平均罰60萬，否則就是給予糾正，根本不痛不癢！","quality":0.727},{"speaker":"林委員岱樺","start":"2026-06-10T10:02:45.213000+08:00","guessed":false,"end":"2026-06-10T10:02:51.435000+08:00","text":"所以金管會只要講到臺灣金控，哇！","quality":1},{"speaker":"林委員岱樺","start":"2026-06-10T10:02:51.995000+08:00","guessed":false,"end":"2026-06-10T10:02:52.395000+08:00","text":"官官相護啊。","quality":1},{"speaker":"林委員岱樺","start":"2026-06-10T10:02:54.155000+08:00","guessed":false,"end":"2026-06-10T10:02:55.856000+08:00","text":"最後是你們的結語，我真的看不下去！","quality":0.867},{"speaker":"林委員岱樺","start":"2026-06-10T10:02:58.116000+08:00","guessed":false,"end":"2026-06-10T10:03:12.379000+08:00","text":"請你們面對檢討，你們說臺銀人壽歷經十幾年虧損，在母公司臺灣金控的支持下，臺銀人壽近年來透過強化資本厚植……等等，這代表什麼？","quality":0.836},{"speaker":"林委員岱樺","start":"2026-06-10T10:03:12.379000+08:00","guessed":false,"end":"2026-06-10T10:03:13.479000+08:00","text":"我靠的就是富爸爸！","quality":0.875},{"speaker":"林委員岱樺","start":"2026-06-10T10:03:16.080000+08:00","guessed":false,"end":"2026-06-10T10:03:18.821000+08:00","text":"所以怎麼解決這十幾年的虧損？","quality":0.846},{"speaker":"林委員岱樺","start":"2026-06-10T10:03:18.821000+08:00","guessed":false,"end":"2026-06-10T10:03:25.582000+08:00","text":"因為我有富爸爸，只要每年不斷增資即可，以致十三年來增資了十次！","quality":0.75},{"speaker":"林委員岱樺","start":"2026-06-10T10:03:26.943000+08:00","guessed":false,"end":"2026-06-10T10:03:29.563000+08:00","text":"你覺得富爸爸跟敗家子的困境要怎麼解決？","quality":0.667},{"speaker":"林委員岱樺","start":"2026-06-10T10:03:29.583000+08:00","guessed":false,"end":"2026-06-10T10:03:29.703000+08:00","text":"董事長，請說。","quality":1},{"speaker":"凌董事長忠嫄","start":"2026-06-10T10:03:29.703000+08:00","guessed":true,"end":"2026-06-10T10:03:30.703000+08:00","text":"謝謝委員……","quality":0},{"speaker":"林委員岱樺","start":"2026-06-10T10:03:29.703000+08:00","guessed":false,"end":"2026-06-10T10:03:30.064000+08:00","text":"你要怎麼說服國會再支持你這150億？","quality":0.786},{"speaker":"凌董事長忠嫄","start":"2026-06-10T10:03:36.526000+08:00","guessed":false,"end":"2026-06-10T10:03:40.989000+08:00","text":"我先說明一下為什麼臺銀人壽必須要增資。","quality":1},{"speaker":"凌董事長忠嫄","start":"2026-06-10T10:03:41.189000+08:00","guessed":false,"end":"2026-06-10T10:03:56.138000+08:00","text":"其實金管會對臺銀人壽也有所要求，最主要是法規規定其資本適足率至少要達到法定的要求水準；而在達到這些法定要求水準後，才可以進行新種業務的承作。","quality":0.894},{"speaker":"凌董事長忠嫄","start":"2026-06-10T10:03:57.478000+08:00","guessed":false,"end":"2026-06-10T10:04:07.980000+08:00","text":"一旦達不到要求，其實也沒有辦法推出新的保險商品，市場上也沒有新的商品可以販售，所以這是第一個要求，即必須達到資本適足率的要求。","quality":0.931},{"speaker":"凌董事長忠嫄","start":"2026-06-10T10:04:08.681000+08:00","guessed":false,"end":"2026-06-10T10:04:28.542000+08:00","text":"因此，前面第一次到第七次的增資，皆因當時承接中信局、成立該人壽保險時有一些高利差存在，造成資本不足，所以這部分一定要迅速增資，才可以達到法定要求，如此公司的業務才可以持續運作下去。","quality":0.89},{"speaker":"凌董事長忠嫄","start":"2026-06-10T10:04:29.602000+08:00","guessed":false,"end":"2026-06-10T10:04:43.229000+08:00","text":"有關最近這兩次，即114年跟115年這兩次增資，也是因為金管會的法規要求有所改變，也就是IFRS17及TIS這兩個制度，而TIS即新的資本適足率制度。","quality":0.855},{"speaker":"凌董事長忠嫄","start":"2026-06-10T10:04:44.210000+08:00","guessed":false,"end":"2026-06-10T10:04:47.711000+08:00","text":"這兩個制度的要求讓我們自己必須要再做一些調整……","quality":1},{"speaker":"林委員岱樺","start":"2026-06-10T10:04:47.731000+08:00","guessed":false,"end":"2026-06-10T10:04:49.612000+08:00","text":"所以這家公司的經營通通都沒問題？","quality":1},{"speaker":"林委員岱樺","start":"2026-06-10T10:04:49.612000+08:00","guessed":false,"end":"2026-06-10T10:04:49.712000+08:00","text":"你太滿意……","quality":1},{"speaker":"凌董事長忠嫄","start":"2026-06-10T10:04:49.712000+08:00","guessed":true,"end":"2026-06-10T10:04:50.712000+08:00","text":"不是、不是。","quality":0},{"speaker":"林委員岱樺","start":"2026-06-10T10:04:49.772000+08:00","guessed":false,"end":"2026-06-10T10:04:51.253000+08:00","text":"反正原因就是當初那些高利率的保單，是一個沉重的負擔，所以你們完全也不需要什麼經營能力？","quality":0.825},{"speaker":"凌董事長忠嫄","start":"2026-06-10T10:04:51.353000+08:00","guessed":false,"end":"2026-06-10T10:04:54.074000+08:00","text":"沒有、沒有，我們後面還是做了非常非常多努力，我們不斷地推出這些新的商品、人壽商品，其實目前在市場上它都已經有競爭力了，所以我們目前銷售的動能也比較強。","quality":0.971},{"speaker":"凌董事長忠嫄","start":"2026-06-10T10:04:54.094000+08:00","guessed":false,"end":"2026-06-10T10:05:24.198000+08:00","text":"剛才您提到的解約問題，其實這些保險人本身也會看整體經濟情勢的變化。","quality":1},{"speaker":"凌董事長忠嫄","start":"2026-06-10T10:05:24.458000+08:00","guessed":false,"end":"2026-06-10T10:05:37.688000+08:00","text":"譬如說，當美元利率比較高的時候，他當時買了美金的保單，如果保單利率沒有達到當時美金的利率，因為前幾年美金的利率都非常高，所以造成非常大的解約潮。","quality":0.833},{"speaker":"林委員岱樺","start":"2026-06-10T10:05:38.008000+08:00","guessed":false,"end":"2026-06-10T10:05:38.308000+08:00","text":"董事長，我已經讓你講那麼多了。","quality":0.615},{"speaker":"林委員岱樺","start":"2026-06-10T10:05:38.709000+08:00","guessed":false,"end":"2026-06-10T10:05:57.660000+08:00","text":"來，我再回顧我的簡報第三頁讓你看一下，關於你講的這些，你的適足率在這幾年當中，也有少於200的，你看105年少於200，106年也少於200，109年少於200，然後到去年少於200，所以適足率不足是你的常態。","quality":0.901},{"speaker":"林委員岱樺","start":"2026-06-10T10:06:07.447000+08:00","guessed":false,"end":"2026-06-10T10:06:24.299000+08:00","text":"因為時間到了，您講的部分如果能夠適用在過往你增資的因素、能夠說明的話，那我就會支持你150億，可是明顯的，你講的那些因素在你過往補足適足率的時候都呈現了，所以還是一樣，這150億投下去還是會虧損。","quality":0.905},{"speaker":"凌董事長忠嫄","start":"2026-06-10T10:06:24.539000+08:00","guessed":false,"end":"2026-06-10T10:06:24.999000+08:00","text":"會後我們再向委員補充一下。","quality":0.833},{"speaker":"主席","start":"2026-06-10T10:06:25.119000+08:00","guessed":false,"end":"2026-06-10T10:06:25.139000+08:00","text":"好，謝謝林岱樺委員。","quality":0.375},{"speaker":"主席","start":"2026-06-10T10:06:25.639000+08:00","guessed":true,"end":"2026-06-10T10:06:28.781857+08:00","text":"下一位請李彥秀委員質詢。","quality":0}]}},"supported_relations":[],"relations":[]}