{"error":false,"id":["170363"],"data":{"IVOD_ID":170363,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/170363","日期":"2026-07-08","會議資料":{"會議代碼":"委員會-11-5-20-21","會議代碼:str":"第11屆第5會期財政委員會第21次全體委員會議","屆":11,"會期":5,"會次":21,"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21次全體委員會議"},"影片種類":"Clip","開始時間":"2026-07-08T11:41:51+08:00","結束時間":"2026-07-08T11:47:13+08:00","影片長度":"00:05:22","支援功能":["ai-transcript","gazette"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/4fafa81be08c8210ecce62b1e4d2dbbb203c8b184455ea81d75944b02079af30be38506e5337c7fe5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"楊瓊瓔","委員發言時間":"11:41:51 - 11:47:13","會議時間":"2026-07-08T09:00:00+08:00","會議名稱":"立法院第11屆第5會期財政委員會第21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，有關財政部主管臺灣土地銀行股份有限公司、財政部印刷廠、臺灣菸酒股份有限公司。（僅詢答）\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，有關金融監督管理委員會主管中央存款保險股份有限公司。（僅詢答）\n三、審查中華民國115年度中央政府總預算案附屬單位預算非營業部分，有關金融監督管理委員會主管：（僅詢答）\n(一)特別收入基金－金融監督管理基金。\n(二)信託基金－保險業務發展基金。\n【7月8日及9日兩天一次會】）","transcript":{"pyannote":[{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":8.41784375,"end":10.965968750000002,"speaker_score":0.955},{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":11.42159375,"end":12.31596875,"speaker_score":0.955},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":17.73284375,"end":18.12096875,"speaker_score":0.939},{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":18.50909375,"end":128.02784375000002,"speaker_score":0.955},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":74.98971875000001,"end":75.17534375000001,"speaker_score":0.939},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":128.12909375,"end":139.92471875,"speaker_score":0.939},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":140.16096875,"end":146.79284375,"speaker_score":0.939},{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":145.89846875,"end":149.72909375,"speaker_score":0.955},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":149.93159375000002,"end":178.02846875,"speaker_score":0.939},{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":172.93221875,"end":173.15159375000002,"speaker_score":0.955},{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":173.16846875000002,"end":173.23596875,"speaker_score":0.955},{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":177.18471875,"end":181.65659375,"speaker_score":0.955},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":178.21409375000002,"end":178.38284375,"speaker_score":0.939},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":180.40784375,"end":185.45346875,"speaker_score":0.939},{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":184.64346875,"end":195.67971875,"speaker_score":0.955},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":189.18284375000002,"end":192.74346875,"speaker_score":0.939},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":193.70534375000003,"end":194.24534375000002,"speaker_score":0.939},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":195.67971875,"end":196.47284375,"speaker_score":0.939},{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":195.74721875,"end":196.74284375000002,"speaker_score":0.955},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":196.74284375000002,"end":197.29971875,"speaker_score":0.939},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":197.53596875000002,"end":203.77971875,"speaker_score":0.939},{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":198.51471875000001,"end":198.90284375000002,"speaker_score":0.955},{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":202.63221875000002,"end":204.85971875,"speaker_score":0.955},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":204.85971875,"end":209.01096875000002,"speaker_score":0.939},{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":208.18409375000002,"end":213.29721875,"speaker_score":0.955},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":210.31034375000002,"end":211.08659375000002,"speaker_score":0.939},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":212.26784375000003,"end":218.34284375000001,"speaker_score":0.939},{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":213.39846875,"end":214.52909375000002,"speaker_score":0.955},{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":217.71846875000003,"end":220.65471875,"speaker_score":0.955},{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":220.68846875000003,"end":220.70534375000003,"speaker_score":0.955},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":220.70534375000003,"end":220.72221875000002,"speaker_score":0.939},{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":220.72221875000002,"end":220.75596875000002,"speaker_score":0.955},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":220.75596875000002,"end":220.94159375,"speaker_score":0.939},{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":220.80659375000002,"end":220.87409375000001,"speaker_score":0.955},{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":220.94159375,"end":246.89534375000002,"speaker_score":0.955},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":246.89534375000002,"end":247.14846875,"speaker_score":0.939},{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":247.14846875,"end":251.87346875000003,"speaker_score":0.955},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":251.87346875000003,"end":259.77096875,"speaker_score":0.939},{"speaker":"SPEAKER_01","speaker_name":"楊委員瓊瓔","start":258.84284375000004,"end":263.02784375000005,"speaker_score":0.955},{"speaker":"SPEAKER_00","speaker_name":"彭主任委員金隆","start":260.73284375000003,"en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陽泉發言 邀請金管會 請彭主委委員好主委好 本席在5月20的時候呢 跟你討論過也就是隨著醫療技術的一個進步以及三班互併比的制度推動那越來越多原本需要住院的手術改採為門診或者是一日手術來完成辦理"},{"start":38.362,"end":59.562,"text":"但是醫療制度已經在改變可是大量的十字支付醫療保險它仍舊以住院作為理賠的最基礎的一個重要因素那在這樣的情況之下可能會導致民眾我一樣的醫療行為我的支出也沒有減少"},{"start":61.844,"end":74.101,"text":"但是卻因為醫療模式的一個改變而縮水那我也歡喜這幾天聽到金管會您說這個是要改變這個方式那同時也跟這個衛福部來做討論"},{"start":76.664,"end":96.699,"text":"那我要謝謝你也認識到本席在5月20號提出的這個議案因為他影響了很廣大的一個民眾的一個權益那所以本席要在這邊請教也就是說主管單位你不能因為他有所爭議後才來逐案的來做協調我們應該要建立一個一致性"},{"start":97.739,"end":118.954,"text":"而且明確而且可預期的一個理賠標準避免同樣的手術同樣的保單卻因為不同的保險公司而有不一樣的理賠那所以本席首先要請教在5月20號我提醒了這個手術理賠爭議的問題那你也終於要跟衛福部來提出共同認定的這個標準那請問什麼時候可以給社會大眾來說明"},{"start":128.46,"end":145.23,"text":"秀文一直很關心這個議題其實我們也不是最近才在處理這個問題因為我們的保單隨著醫療進步一直都有這個問題存在所以我們一直也在研議這個看有沒有像剛剛文講的一致性、明確性也是我們追求的目標"},{"start":146.07,"end":172.674,"text":"那你們大概多久時間可以給社會大眾因為大家都在期待我們現在做法是我們最近一次我們跟衛福部溝通很多次最近一次的想法是這樣比如說就以那個白內障為例那過去大家有共識我們就不會以住院作為前提那接下來看假設這是一個非常涉及醫療專業的問題如果衛福部那邊也有這樣的一個類似像比如說像白內障這樣在醫界已經有共識的這個部分的話"},{"start":173.274,"end":195.52,"text":"我們回來我們這個條款再來做一個理賠商再來做一致的處理那請教你大概還要在這個多久時間可以告訴社會大眾我們已經把這個意見在上個禮拜應該上禮拜傳達給在開會你正式的方案共同一致性在認定的是原本要住院現在可以不用住院的醫療的技術方面那什麼時候可以告訴社會大眾要盤點啊這個"},{"start":197.62,"end":209.789,"text":"我要跟文坦白說大概多久時間這個我們要跟衛福部他才能夠決定那大概多久時間呢當然我也希望他能盡快整合到醫界的意見給他們因為保險合約在你這邊啊兩邊的橫向聯繫很重要啊你大概會多久時間呢"},{"start":216.233,"end":232.618,"text":"這個不是我今晚會單方面決定哇 那你這麼告訴我我們本來期待很大咧所以要加油 這第一個第二個 在我們已經大家認定有這個共識的時候那這一段時間的空窗期未來你定定的是不是可以追溯呢因為大家都在請問啊"},{"start":234.258,"end":251.703,"text":"既然政府跟政府部門都認為是政府以及技術方面的一個調整而非我保險人有所去改變吃的情況之下我不能平白無故這個受損啊所以這一段空中期是不是未來你們訂定了之後可以追溯呢"},{"start":251.903,"end":271.194,"text":"沒有 我想你的保單是在有效的情況之下就按照保單來執行都可以追溯嗎 按保單的情況嗎看你的保單情況所以這個時間趕快去做調查好不好我們會趕快跟衛福部來做協調啦對對對 最後一個議題那台股4萬點以上 所謂的世代同堂"},{"start":272.054,"end":299.176,"text":"那本席具體建議因為世代同堂的因子所以你監理單位當然槓桿原理沒有問題但是如果各自為政撤貸撤貸 房貸房貸股票直接融資融資那這樣子的情況如果沒有做一個整合到時候萬一有狀況的時候哇 那這個社會風險這太大了那當然是不是應該要去做一個橫向的一個整體"},{"start":300.84,"end":320.289,"text":"其實跟委員報告我們本來銀行證券公司本來就會做這件事情對我們在內控本來就有要求這件事情內控要求嗎所以這個橫向的一定要做才不會達到社會面向的一個風險去產生這個我們是主管這個我們當然非常的注意而且我們會要特別注意謝謝"}],"gazette":[{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:41:59.724000+08:00","guessed":false,"end":"2026-07-08T11:41:59.884000+08:00","text":"謝謝主席。","quality":1},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:42:00.044000+08:00","guessed":false,"end":"2026-07-08T11:42:00.224000+08:00","text":"楊瓊瓔發言，邀請金管會。","quality":0.7},{"speaker":"主席","start":"2026-07-08T11:42:00.224000+08:00","guessed":false,"end":"2026-07-08T11:42:00.365000+08:00","text":"請彭主委。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-07-08T11:42:00.385000+08:00","guessed":false,"end":"2026-07-08T11:42:00.405000+08:00","text":"委員好。","quality":1},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:42:00.465000+08:00","guessed":false,"end":"2026-07-08T11:42:00.605000+08:00","text":"主委好。","quality":1},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:42:00.645000+08:00","guessed":false,"end":"2026-07-08T11:42:03.026000+08:00","text":"主委，本席在5月20號跟你討論過，隨著醫療技術進步以及三班護病比的制度推動，越來越多原本需要住院的手術改採為門診，或者是一日手術來完成辦理。","quality":0.919},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:42:29.983000+08:00","guessed":false,"end":"2026-07-08T11:42:56.589000+08:00","text":"醫療制度已經在改變，可是大量實支實付的醫療保險仍舊以住院作為理賠最基礎的重要因素，在這樣的情況之下，可能會導致民眾一樣的醫療行為，醫療支出也沒有減少，卻因為醫療模式的改變而縮水。","quality":0.928},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:42:57.470000+08:00","guessed":false,"end":"2026-07-08T11:43:16.530000+08:00","text":"我也歡喜這幾天聽到金管會您說要改變這個方式，同時也跟衛福部來討論，我要謝謝你，也認知到本席在5月20號提出的這個議案，因為它影響了廣大民眾的權益。","quality":0.969},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:43:17.591000+08:00","guessed":false,"end":"2026-07-08T11:43:42.088000+08:00","text":"所以本席要在這邊請教，主管單位不能因為他有所爭議後，才逐案來做協調，我們應該要建立一致性、明確而且可預期的理賠標準，避免同樣的手術、同樣的保單，卻因為不同的保險公司而有不一樣的理賠。","quality":1},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:43:42.549000+08:00","guessed":false,"end":"2026-07-08T11:43:49.934000+08:00","text":"本席首先要請教，在5月20號我提醒手術理賠爭議的問題，你也終於要跟衛福部提出共同認定標準，請問什麼時候可以跟社會大眾來說明清楚？","quality":0.947},{"speaker":"彭主任委員金隆","start":"2026-07-08T11:44:00.660000+08:00","guessed":false,"end":"2026-07-08T11:44:09.225000+08:00","text":"是，謝謝委員一直很關心這個議題，其實我們也不是最近才在處理這個問題，因為我們的保單隨著醫療進步，一直都有這個問題存在。對！","quality":0.891},{"speaker":"彭主任委員金隆","start":"2026-07-08T11:44:09.586000+08:00","guessed":false,"end":"2026-07-08T11:44:16.230000+08:00","text":"所以我們一直也在研議，像剛剛委員講一致性、明確性標準，也是我們追求的目標，因為我們的保單……","quality":0.725},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:44:17.210000+08:00","guessed":false,"end":"2026-07-08T11:44:20.333000+08:00","text":"你們大概多久時間可以跟社會大眾說明，因為大家都在期待。","quality":0.88},{"speaker":"彭主任委員金隆","start":"2026-07-08T11:44:21.054000+08:00","guessed":false,"end":"2026-07-08T11:44:32.464000+08:00","text":"對，我們現在的做法，我們跟衛福部溝通很多次，最近一次的想法是這樣，比如說，以白內障為例，過去大家有共識，我們就不會以住院作為前提。","quality":0.965},{"speaker":"彭主任委員金隆","start":"2026-07-08T11:44:33.084000+08:00","guessed":false,"end":"2026-07-08T11:44:48.255000+08:00","text":"接下來看假設這是個非常涉及醫療專業的問題，如果衛福部也有類似像白內障這樣在醫界已經有共識的部分，我們回來對條款理賠上，再來做一致的處理。","quality":0.969},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:44:48.615000+08:00","guessed":false,"end":"2026-07-08T11:44:52.316000+08:00","text":"請教你大概還需要多久時間可以告訴社會大眾？","quality":0.95},{"speaker":"彭主任委員金隆","start":"2026-07-08T11:44:52.316000+08:00","guessed":false,"end":"2026-07-08T11:44:55.577000+08:00","text":"我們已經把這個意見在上個禮拜傳達給……","quality":1},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:44:56.057000+08:00","guessed":false,"end":"2026-07-08T11:45:06.359000+08:00","text":"正式的方案有共同一致性，在認定上是原本要住院，現在可以不用住院的醫療技術方面，那什麼時候可以告訴社會大眾？","quality":0.959},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:45:06.359000+08:00","guessed":false,"end":"2026-07-08T11:45:06.500000+08:00","text":"你要盤點啊！","quality":0.8},{"speaker":"彭主任委員金隆","start":"2026-07-08T11:45:06.520000+08:00","guessed":false,"end":"2026-07-08T11:45:09.641000+08:00","text":"這個部分，我要跟委員坦白說……","quality":0.667},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:45:09.641000+08:00","guessed":false,"end":"2026-07-08T11:45:11.622000+08:00","text":"大概多久時間？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-07-08T11:45:11.622000+08:00","guessed":false,"end":"2026-07-08T11:45:14.224000+08:00","text":"我們要跟衛福部討論，他們才能夠決定這件事情。","quality":0.65},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:45:14.224000+08:00","guessed":true,"end":"2026-07-08T11:45:15.224000+08:00","text":"對、對、對！","quality":0},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:45:14.424000+08:00","guessed":false,"end":"2026-07-08T11:45:15.625000+08:00","text":"那大概多久時間呢？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-07-08T11:45:16.066000+08:00","guessed":false,"end":"2026-07-08T11:45:18.948000+08:00","text":"當然我也希望他們能儘快整合到醫界的意見給我們。","quality":0.864},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:45:18.948000+08:00","guessed":false,"end":"2026-07-08T11:45:20.028000+08:00","text":"因為保險合約在你們這邊，兩邊橫向聯繫很重要啊！","quality":0.952},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:45:20.449000+08:00","guessed":false,"end":"2026-07-08T11:45:20.769000+08:00","text":"請教大概會是多久時間呢？","quality":0.727},{"speaker":"彭主任委員金隆","start":"2026-07-08T11:45:27.233000+08:00","guessed":false,"end":"2026-07-08T11:45:28.634000+08:00","text":"這個不是金管會單方面決定，我這邊……","quality":0.667},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:45:29.074000+08:00","guessed":false,"end":"2026-07-08T11:45:31.014000+08:00","text":"你這麼告訴我，我們本來期待很大欸！","quality":0.933},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:45:32.055000+08:00","guessed":false,"end":"2026-07-08T11:45:33.895000+08:00","text":"所以要加油，這是第一個。","quality":0.9},{"speaker":"彭主任委員金隆","start":"2026-07-08T11:45:33.895000+08:00","guessed":true,"end":"2026-07-08T11:45:34.895000+08:00","text":"是、是、是！","quality":0},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:45:33.895000+08:00","guessed":false,"end":"2026-07-08T11:45:42.237000+08:00","text":"第二個，在大家認定有共識的時候，這一段時間的空窗期，未來你訂定了，是不是可以追溯呢？","quality":0.946},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:45:42.877000+08:00","guessed":false,"end":"2026-07-08T11:45:57.481000+08:00","text":"因為大家都想詢問，既然政府跟政府部門都認為是政府以及技術方面的調整，而非保險人有所改變的情況之下，不能平白無故受損啊！","quality":0.964},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:45:58.362000+08:00","guessed":false,"end":"2026-07-08T11:46:02.683000+08:00","text":"所以這一段空窗期是不是未來你們訂定之後可以追溯呢？","quality":0.958},{"speaker":"彭主任委員金隆","start":"2026-07-08T11:46:04.364000+08:00","guessed":false,"end":"2026-07-08T11:46:09.667000+08:00","text":"因為你的保單是在有效的情況之下，就按照保單來執行。","quality":0.913},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:46:09.787000+08:00","guessed":false,"end":"2026-07-08T11:46:10.387000+08:00","text":"都可以追溯嘛！","quality":0.833},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:46:10.687000+08:00","guessed":false,"end":"2026-07-08T11:46:12.768000+08:00","text":"按保單的情況嘛！","quality":0.857},{"speaker":"彭主任委員金隆","start":"2026-07-08T11:46:12.768000+08:00","guessed":false,"end":"2026-07-08T11:46:13.589000+08:00","text":"對，就是看你的保單情況。","quality":0.7},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:46:13.589000+08:00","guessed":false,"end":"2026-07-08T11:46:15.290000+08:00","text":"所以這個時間趕快去做調整，好不好？","quality":0.933},{"speaker":"彭主任委員金隆","start":"2026-07-08T11:46:15.470000+08:00","guessed":false,"end":"2026-07-08T11:46:17.311000+08:00","text":"我們會趕快跟衛福部來做協調。","quality":1},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:46:17.911000+08:00","guessed":false,"end":"2026-07-08T11:46:17.911000+08:00","text":"對、對、對！","quality":1},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:46:17.911000+08:00","guessed":false,"end":"2026-07-08T11:46:43.811000+08:00","text":"最後一個議題，臺股4萬點以上，本席具體建議，因為有「四貸同堂」的因子，你們是監理單位，當然槓桿原理沒有問題，但是如果各自為政，車貸就車貸、房貸就房貸、股票直接融資，在這樣的情況，如果沒有做一個整合，到時候萬一有狀況時，哇！","quality":0.894},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:46:44.512000+08:00","guessed":false,"end":"2026-07-08T11:46:45.833000+08:00","text":"這個社會風險太大了。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-07-08T11:46:45.853000+08:00","guessed":false,"end":"2026-07-08T11:46:46.213000+08:00","text":"那當然。","quality":1},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:46:46.613000+08:00","guessed":false,"end":"2026-07-08T11:46:50.176000+08:00","text":"是不是應該要去做一個橫向整體的……","quality":0.933},{"speaker":"彭主任委員金隆","start":"2026-07-08T11:46:52.180000+08:00","guessed":false,"end":"2026-07-08T11:46:59.204000+08:00","text":"跟委員報告，銀行、證券公司本來就會做這件事情，我們在內控本來就有要求這件事情。","quality":1},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:46:59.224000+08:00","guessed":false,"end":"2026-07-08T11:46:59.984000+08:00","text":"內控要要求嘛！是的。","quality":0.5},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:47:00.564000+08:00","guessed":false,"end":"2026-07-08T11:47:06.027000+08:00","text":"所以橫向聯繫一定要做，才不會面臨社會面向風險的產生。","quality":0.792},{"speaker":"彭主任委員金隆","start":"2026-07-08T11:47:06.027000+08:00","guessed":true,"end":"2026-07-08T11:47:07.027000+08:00","text":"有，那當然。","quality":0},{"speaker":"彭主任委員金隆","start":"2026-07-08T11:47:06.707000+08:00","guessed":false,"end":"2026-07-08T11:47:10.689000+08:00","text":"我們是主管單位，我們當然會非常注意，而且我們會……","quality":0.857},{"speaker":"楊委員瓊瓔","start":"2026-07-08T11:47:10.689000+08:00","guessed":false,"end":"2026-07-08T11:47:11.289000+08:00","text":"要特別注意，謝謝。謝謝。","quality":0.778},{"speaker":"主席","start":"2026-07-08T11:47:11.789000+08:00","guessed":true,"end":"2026-07-08T11:47:14.646143+08:00","text":"結束楊瓊瓔委員的質詢。","quality":0},{"speaker":"主席","start":"2026-07-08T11:47:14.946143+08:00","guessed":true,"end":"2026-07-08T11:47:17.517571+08:00","text":"接下來請王鴻薇委員。","quality":0}]},"gazette":{"lineno":1040,"blocks":[["楊委員瓊瓔：（11時41分）謝謝主席。楊瓊瓔發言，邀請金管會。"],["主席：請彭主委。"],["彭主任委員金隆：委員好。"],["楊委員瓊瓔：主委好。主委，本席在5月20號跟你討論過，隨著醫療技術進步以及三班護病比的制度推動，越來越多原本需要住院的手術改採為門診，或者是一日手術來完成辦理。醫療制度已經在改變，可是大量實支實付的醫療保險仍舊以住院作為理賠最基礎的重要因素，在這樣的情況之下，可能會導致民眾一樣的醫療行為，醫療支出也沒有減少，卻因為醫療模式的改變而縮水。我也歡喜這幾天聽到金管會您說要改變這個方式，同時也跟衛福部來討論，我要謝謝你，也認知到本席在5月20號提出的這個議案，因為它影響了廣大民眾的權益。所以本席要在這邊請教，主管單位不能因為他有所爭議後，才逐案來做協調，我們應該要建立一致性、明確而且可預期的理賠標準，避免同樣的手術、同樣的保單，卻因為不同的保險公司而有不一樣的理賠。本席首先要請教，在5月20號我提醒手術理賠爭議的問題，你也終於要跟衛福部提出共同認定標準，請問什麼時候可以跟社會大眾來說明清楚？"],["彭主任委員金隆：是，謝謝委員一直很關心這個議題，其實我們也不是最近才在處理這個問題，因為我們的保單隨著醫療進步，一直都有這個問題存在。"],["楊委員瓊瓔：對！"],["彭主任委員金隆：所以我們一直也在研議，像剛剛委員講一致性、明確性標準，也是我們追求的目標，因為我們的保單……"],["楊委員瓊瓔：你們大概多久時間可以跟社會大眾說明，因為大家都在期待。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