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主席李昭吉委員 坤城報告事項一 宣讀上次會議議事錄決定 議事錄確定二 邀請行政院主計總署主計長陳淑芝財政部部長莊翠雲國防部副部長海洋委員會副主任委員 海巡署副署長就一一五年度中政府總預算案資金尚未審查對國家安全及地方建設的影響進行專題報告並被質詢"},{"start":1819.796,"end":1846.106,"text":"經組織總處陳組織長 國防部徐副部長分別提出報告後藉由委員吳秉瑞等17人提出質詢經軍國防部徐副部長海委會張正次副組委組織總處陳組織長財政部阮正次及相關人員予以答覆決定一 報告局詢答完畢二 委員質詢未及答覆或請補充資訊請相關部會於一週內以書面答覆委員另要求期限者從期鎖定宣讀完畢"},{"start":1849.097,"end":1877.398,"text":"請問各位委員對上次議事入有無異議好 議事入確定請議事員宣讀今日議程邀請金融監督管理委員會主任委員彭金龍財政部部長莊翠雲國家發展委員會副主任委員就如何引導國內資金擴大參與公共建設及策略性產業進行專題報告並被執行宣讀完畢好 那我先介紹在場的委員有吳秉瑞委員"},{"start":1881.073,"end":1908.812,"text":"還有林德福委員陳玉珍委員好 我來介紹今天出席的官員金管會主委 彭金榮主委銀行局局長 童振章證券期貨局局長 高金平保險局局長 王立慧檢察局局長 賴新國財政部部長 莊翠雲"},{"start":1911.055,"end":1934.735,"text":"推動促參司司長張素貞國庫署署長陳柏成複稅署署長宋秀琳管務署署長彭英偉國有財產署署長鄭國基財政資訊中心主任張文希國家發展委員會副主任委員高仙貴經濟發展處處長陳美菊"},{"start":1938.471,"end":1961.977,"text":"國土區域離島發展處參事呂登元法治協調處檢任視察林興文好 那我們今天是如何引導國內資金擴大參與公共建設及測驗器產業的專題報告那我們依序會先請金管會財政部還有國發會來做報告那我們先請金管會彭主任委員進行專題報告"},{"start":1970.768,"end":1990.816,"text":"主席 各位委員 媒體先進 大家早陳貴委員會邀請就如何引導國內資金擴大參與公共建設及策略性產業進行報告 敬請指教本會所轄金融業者一線型法令已得透過多元管道投融資國內公共建設及策略性產業 僅說明如下"},{"start":1991.696,"end":2018.324,"text":"一 受險業多為長年期契約累積龐大資金為履行契約責任其資產配置多以投資長期之固定收益商品以符合資產負債存續期間匹配保險業參與公共建設及策略性產業考量因素包括自償性加長期穩定現金流合理報酬率投資風險可控政策具穩定性及可預測性因目前國內債券市場規模有限"},{"start":2019.605,"end":2034.552,"text":"故長期投資海外固定收益金融商品配合政府扶植國內策略性產業及重要建設制政策本會持續檢討修正法令擴大可投資範圍引導保險業投入國內公共建設及策略產業"},{"start":2036.257,"end":2056.345,"text":"保險院依現行規定投資國內公共建設及策略產業說明如下依保險法第146條之五規定可辦理專案運用公共投資社會福利事業或透過創投私募基金間接投資國內公建及5加2新創重點產業及六大核心戰略產業"},{"start":2058.035,"end":2072.321,"text":"依保險法146之2規定可投資宿地或配合政府政策之地上全社會住宅依保險法146之1規定購買公共建設公司股票公司債REIT或永續發展債券"},{"start":2073.982,"end":2101.485,"text":"本會將持續與國發會財政部等跨部會合作增加公建相關案源及推動相關法規鬆綁加大投資誘因說明如下配合造源投資國家發展方案以請金融業及私募股權等五大公會定期收集業者對民間參與公共建設之提案及相關法規鬆綁之建言成立資本市場服務團協助政府單位擴大發行永續發展債券"},{"start":2103.735,"end":2130,"text":"截至14年底已發行17檔永續發展債券總發行金額為281億元輔導協助盤點可發行永續債支項目鼓勵政府透過發債券籌集重大公共建設所需資金令證券投資投信顧問法修正草案增加基金REIT部分已於立法院審議中"},{"start":2131.66,"end":2147.564,"text":"組成引導大眾資金投入國內公共建設推動小組協助發行公建相關政經化金融商品保險業透過私募股權基金創投等投資以及不動產投資信託REITs間接投資國內公共建設之風險係數已調整為1.28"},{"start":2150.905,"end":2166.69,"text":"另是保險業辦理公共投資範圍包括依促參法或其他法令規定之公共投資擴大資金投資國內私募股權基金範圍納入促參公件社會福利及ESG永續標的"},{"start":2167.97,"end":2192.489,"text":"另是開放離岸風電海事工程施工傳播得作為保險業辦理傳播擔保放款之擔保品另是新增健康福祉事業屬保險法146之4所稱保險相關事業另是將保險資金辦理專案運用及公共投資福利事業之投資總額由10%提高到15%擴大可投資範圍納入政府核定之基礎建設"},{"start":2193.61,"end":2204.798,"text":"截至114年3月第三季抵止整體保險業資金為33.5兆運用於專案運用公共及社會福利投資金額約6340億其中屬於保險法146"},{"start":2209.201,"end":2210.482,"text":"本會將持續40檢討修正法令及研議相關措施包括"},{"start":2236.909,"end":2259.482,"text":"引導鼓勵保險業投入銀髮及長照相關事業將研議開放保險業一保險相關事業規定投資不需保險業務連結之長照服務事業將修正法令開放保險業投資融資半導體AI軍工安控次世代通訊五大信貸產業及鼓勵投資方案"},{"start":2260.262,"end":2275.781,"text":"研議保險業投資創投事業於五百億內適用較低風險係數以及保險業透過私募股權基金與創投事業一定比例投資公共建設社會福利及基礎建設得比照百分之百投資所適用之風險係數規定"},{"start":2277.643,"end":2305.786,"text":"推動國內資金投入公共建設及策略性產業為國家重要政策本會將持續檢討法令擴大金融業資金之可投資範圍及鬆綁相關法規並強化跨部會及公司協力合作增加更多國內公共建設案源 公建金融商品及投資誘因引導保險業資金增加配置於國內強化我國經濟發展韌性並提升國民福祉以上報告 敬請各位委員指教 謝謝"},{"start":2307.872,"end":2310.56,"text":"好 謝謝彭主委現在請財政部莊部長進行專題報告"},{"start":2317.625,"end":2345.821,"text":"主席各位委員先進大家早今天貴委員會安排相關部會就如何引導國內資金擴大參與公共建設及策略性的產業進行專題報告請就涉及財政部業務的部分報告簡要報告如下首先政策引導資金參與投資公共建設的部分為了吸引資金投注我國的公共建設行政院在113年的12月核定了兆元投資國家發展方案"},{"start":2346.321,"end":2360.527,"text":"那麼以創新促參推進機制還有優化公共建設投融資條件以及增加公共建設相關金融商品這三大具體的策略作為引導民間資金參與的政策主軸"},{"start":2361.447,"end":2365.469,"text":"而財政部主要是負責創新促參推進機制以及擴大發行政府永續發展債券這兩個部分那麼就創新促推動促參機制裡面呢最重要就是要擴增民間投資的案源那這個部分呢有行政院有設置促參推進專案的會議"},{"start":2382,"end":2393.216,"text":"作為跨部會的促餐提案平台並且成立了促餐推進專案辦公室來受理政府以及民間的提案提供單一窗口的服務諮詢以及輔導"},{"start":2394.98,"end":2418.635,"text":"那麼創新促餐推進機制要求行政院所屬的各個機關在新興計劃可行性評估及計劃研議階段要優先評估民間參與的可行性那麼送促餐提案平台來做審議並且鼓勵民間廠商來提案來擴增案源並且引導資金來投資台灣"},{"start":2419.855,"end":2442.565,"text":"初站推进专案办公室定期会诊公开全国即将公告招商的三商机案源以利潜在的业者评估投资根据统计114年民间参与公共建设的案件有150件签约金额超过了3300亿元已经超越计划年度的目标"},{"start":2443.405,"end":2470.393,"text":"第二個我們增加公共建設金融商品來推動發行永續發展政府債券以及一類公債凡是計畫具有部分自償性就資金由非營業特種基金來支應的話那麼進行永續債籌資的可行性評估由金管會 櫃買中心還有財政部透過三方的聯繫機制進行追蹤輔導讓民間的資金可以多元的管道參與公共建設的案件"},{"start":2471.013,"end":2480.966,"text":"中央政府在115年1月將要發行首檔永續戰並且已經輔導6個直轄市政府完成了法制的作業114年度實際會發行161億元以及實際發行了161億元"},{"start":2487.214,"end":2516.178,"text":"第二个从一百零八年起本部每年都会请非营业特种基金的主管机关调查发行乙类公债的需求那么从一百一十年到现在已经连续五年发行了乙类公债总共发行了八档金额有一千四百九十四亿元第二个部分就优化促参的法治环境来吸引民间投资一百一十四年的十二月修正了促参法的部分条文新增了影视音绿能"},{"start":2516.938,"end":2537.646,"text":"資源循環再利用以及數位建設等公共建設的類別並且在原有的五種民間參與的模式之外新增了RTO以及ROO兩種模式第二其次就是引進國際常見的政府有償取得公共服務的機制來增加民間投資促參案的吸引力"},{"start":2538.526,"end":2555.769,"text":"財政部已經完成了五類公共建設政策評估目前已有台中市文山焚化廠的BOT案在推動當中再者 通盤檢討各類公共建設的重大公共建設範圍擴大租稅優惠以吸引業者來投資"},{"start":2556.71,"end":2577.106,"text":"第三个我们建构商机媒合平台协助机关来招商引资财政部每年都会办理全国性的招商大会以及建置促参IMAC招商地图网在114年招商大会汇集的商机超过了2360亿元提供民间资金多元投资的机会"},{"start":2577.907,"end":2593.877,"text":"最後為了積極推動民間參與公共建設財政部將協同國發會以及金管會根據共同推動兆元投資國家發展方案並且持續優化促參的法治環境加強煤和商機讓促參投資"},{"start":2594.957,"end":2617.207,"text":"環境以及促參辦理的程序更加友善便利促進機關還有民間機構持續的攜手合作達成吸引民間資金擴大參與投資公共建設的目標以上報告請各位委員指教 謝謝好 謝謝莊部長最後我們請國發會副主委高先貴進行暫停報告"},{"start":2626.515,"end":2648.841,"text":"主席各位委員各位先進大家早安今天承蒙貴委會邀請本會列席做如何引導國內資金擴大參與公共建設跟策略性產業進行報告進行各位委員不吝指教我想面對全球AI的國力競賽跟地緣政治的挑戰國家發展急需開展大投資計畫以提升國家競爭優勢"},{"start":2650.461,"end":2673.351,"text":"而台灣長年的貿易順差 超額儲蓄持續累增售險業等民間充沛資金也急需要尋求國內的投資管道為了引導民間資金投資國家建設行政院在113年12月合訂的兆元方案由本會財政部及經管會共同啟動公司協力的機制"},{"start":2674.031,"end":2677.752,"text":"藉由三大的策略主軸擴大民間的參與來引導兆元的資金投資台灣第一個是創新初餐的推動機制為了積極篩選優質的案源強化跨部會的溝通協調我們設置了院程級的初餐提案平台"},{"start":2695.137,"end":2702.961,"text":"設置的促餐工作小組跟法規僑制小組來處理促餐及法規僑施的相關問題剛剛莊副部長已經講到我們在114年其實我們促餐的簽約案件已經達到3300億的新台幣超越了年度的目標為了擴增促餐的案源我們是從源頭的控管中央部會的新興提案"},{"start":2718.287,"end":2734.199,"text":"而且鼓勵民間自主提案來媒合政府的機關的參採同時我們也折定了一些指標型的專案比如再生水、海淡廠、社宅長照等等以提高財務可行性"},{"start":2735.18,"end":2754.87,"text":"第二個是財政部也會增修相關的促餐的法令來提高促餐的誘因而且也新設了促餐推進的專案辦公室第二個在優化投入公共建設投融資條件的部分為了優化民間投資"},{"start":2756.531,"end":2782.47,"text":"投入国家建设的这个投融资条件呢我们法规调试小组呢已经设置了一个法规调试的平台广泛的收集法规调试的需求那政府端是由各部会主动的检视松绑企业端则由法规调试平台的平台呢收集这些建言然后我们也请金融总会里面协助收集提案到114年底呢其实"},{"start":2783.671,"end":2808.793,"text":"這個平台已經完成了鬆綁35件的法令然後包括剛剛那個彭主委講到的就是我們有調降PE跟VC的這個投資公件的風險係數而且我們也請各主管機關主動函視具有公共建設性質的策略性產業以提高它的投資限額跟適用比較低的RPC的風險係數那國家融資保證機制也"},{"start":2809.654,"end":2835.844,"text":"將它的保證成數由六成提高到八成以促進這些相關綠能建設的推進然後我們也感謝金管會修正了專案應用辦法將基礎建設納入保險業可投資的範疇而且可以適用比較低的RBC的風險係數同時本會也同步成立了基礎建設認定原則跟機制的單一平台"},{"start":2837.584,"end":2845.578,"text":"第三個是增加公共建設相關的金融商品然後我想剛剛馮志偉有報告過了金管會為了"},{"start":2847.677,"end":2872.591,"text":"有利於業者透過金融商品間接投資公共建設已經成立的資本服務團主動的拜會各級政府辦理相關的公共建設的證券化永續債的發行等等然後我們希望可以提供市場優質的標的包括擴大政府永續發展債券剛才還有公共建設證券化還有推動"},{"start":2874.372,"end":2894.508,"text":"金架構不動產期投資信託等等我想剛剛兩位長官都已經有報告我就不再贅述然後我想造源投資台灣方案是透過三大策略主軸跟兩大專責的輔導機關我們前端希望由促參的面向擴展案源專案投資"},{"start":2895.669,"end":2921.75,"text":"促参社宅长照等设施后端则是希望透过扩大公共建设等相关产品八行永续在公共建设证券化等我们来促进民间资金投资国家建设我想造园投资方案的成功关键在于公私协力民间参与我想我们行政团队将全力以赴落实达成方案的规划目标以上报告进行指教"},{"start":2924.786,"end":2942.531,"text":"謝謝高副主委那現在開始詢答先做一下宣告每位出席委員發言時間8分鐘必要時的延長2分鐘每位列席委員發言時間5分鐘今日上午10點截止發言登記現在依登記順序請登記第一位林德福委員質詢"},{"start":2963.659,"end":2971.881,"text":"謝謝 謝謝主席是不是請金管會彭主委還有莊部長財政部莊部長好 請彭主委 莊部長委員長主委還有部長我想我們都知道股市最近攻上三萬點那"},{"start":2983.298,"end":3002.149,"text":"只有靠台積電單一個股來拉抬股市表面上指數創新高實質上卻可能是市場結構整個失衡的警訊而非整個經濟全面的起揮"},{"start":3004.17,"end":3030.192,"text":"的證明那科技類股獨強包括你看那個食品水泥造質鋼鐵觀光旅遊觀光參旅包括貿易百貨這些類股紛紛走跌那可以說讓未持有台積電等科技股的或操作中小型股的這些投資人面對三萬點"},{"start":3032.053,"end":3048.789,"text":"講實在話 他們是無感的啦真的是無感那我請問今晚會主委如果AI泡沫議員陳真啦那對整個高階晶片整個記憶體需求的減少對台股有何影響 你的看法呢"},{"start":3049.913,"end":3068.744,"text":"報告委員我想我們不會對未來的一些的一些的狀況做出任何的預測我們也當然是密切關注到台灣這個資本市場在不管交易量交易比重或是交易上面的一些的現象我們都會加強來關注因為你看那個整個傳產股幾乎"},{"start":3071.055,"end":3098.422,"text":"真的是很慘因為關稅以後沒有競爭力你說那些傳農產業他們怎麼生存這個真的是現在當下的問題那個主委你有沒有做過相關劇本金融的演習因為你要是AI改天要是說真的泡沫化那整個可以說全面的這個是很嚴重的問題你有沒有做過這樣的一個操作演習"},{"start":3099.302,"end":3126.287,"text":"其實跟委員報告我想從這個台灣的資本市場從來都不缺乏一些不確定因素的存在我想特別是去年到現在其實我們資本市場經歷過很多的波動剛剛委員提到說我們沒有做過任何演練這是我們工作的一部分我們本來就會針對資本市場所有一些的未來一些狀況做一些適切的這些的準備這些都是我們日常都在做的事情"},{"start":3126.704,"end":3149.694,"text":"因為現在當下關稅就是很嚴重的一個問題我們沒有競爭力林靜你像包括日本韓國我們幾乎過去很多跟他們相關的產業傳產現在幾乎都沒有辦法生存這是存在眼前最嚴重的事實那個傳產也養很多人那個媒體報導"},{"start":3152.708,"end":3170.339,"text":"台北股市有一千九百四十七家上市櫃的公司中有六成五 差不多三分之二一千兩百六十三家的股價在年限之下為了避免投資人踩到地雷鼓"},{"start":3170.979,"end":3184.602,"text":"本席認為金管會要做好監理的把關我請問主委針對流動性低這個股價表現差的這些殭屍個股目前有哪些處理機制"},{"start":3186.155,"end":3209.611,"text":"報告委員我想剛剛提到委員提到就是我想媒體也關注說比如他們也統計的就是在年限以下大概有蠻高的比率其實我們也看了過去大概10年的資料其實我們最高像107年有來到79.1%最低也來到109年的18%其實這個本來就是一個很大的一個這個比重會隨著整個"},{"start":3211.232,"end":3234.553,"text":"景氣還有股市的漲跌之間有所差異我想這個只是我們看到113年是67%114年是63.5就是各位可以看到它的波幅從18到79其實上都有很大的波動不過這個是整個因為資本市場反映的是投資人對未來市場的整個的預期當然這個比重確實很多人會產生這樣的疑慮"},{"start":3235.974,"end":3250.315,"text":"剛剛還有提到就是說我們對一些所謂的流動性比較差的那股票其實我們交易所跟櫃買也有啟動我們相關的比如說我們會去做很多的資訊揭露像我也責請我們的櫃買跟交易所"},{"start":3250.956,"end":3271.933,"text":"然後我們董事長也都在若瑟文也需要我們請他來說明就是怎麼樣去把台灣很多因為在比如說可能投資人沒有注意到的好股票或是這些流動性怎麼樣來促進市場的造勢我想他們都有一個計畫在執行這些事情至於說整個產業結構的問題這不是金管會所能回答的問題主委"},{"start":3273.335,"end":3298.236,"text":"2026年可能有多少個股被強制退場下市你們有沒有大概就是未雨綢繆先了解一下有沒有其實我們每年大概有少數的股對 我們最近因為剛剛那個局長說最近確實沒有看到有這個現象去年當然也有看到有些因為可能個別因素而導致它下市的原因那當然是少數"},{"start":3300.888,"end":3321.93,"text":"我想這個部分我們都會密切關注一下資本市場發展的狀況我是希望站在金管會立場你們要未雨綢繆就是讓更多人知道說整個股市的狀況很多上市櫃公司其實要讓很多這些股民了解我想今天那個"},{"start":3323.696,"end":3335.603,"text":"主委我認為目前當下就是只有AI股在往上爬其他真的是慘兮兮的我是認為說這個部分主要還是關稅的問題不然過去沒有這種狀況這樣的發生"},{"start":3341.946,"end":3356.7,"text":"那我想今天的題目是引導國內整個資金擴大參與公共建設與策略性的產業那我請問財政部跟金管會是單純的發行公債籌措公共建設的資金是嗎"},{"start":3358.742,"end":3373.186,"text":"跟委員報告我們吸引民間資金投入公共建設當然有多元管道那也有發行公債的一個方式讓民間有許多資金可以透過這樣公債的管道來那當然還有其他民間直接投資的一個管道會不會變成"},{"start":3376.291,"end":3388.157,"text":"山野BOT 海野BOT甚至於什麼都是用BOT的情況發生出資業者後續可能涉及公共建設興建與營運你認為會不會這種狀況"},{"start":3393.62,"end":3413.11,"text":"對於BOT的案件就是說也不需要太過於的污名化因為提升公共服務的品質加速國家的公共建設是非常重要而透過民間的資金注入那來加速這樣的一個建設事實上是政府民間跟大眾的民眾是三贏的一個局面"},{"start":3413.45,"end":3437.559,"text":"那個部長因為有關於鼓勵銀行保險業等金融業者參與公共建設的及策略性的產業立法院法治局也提醒說舉債應避免債留子孫及違反世代正義為原則如果自償性公共建設評估沒有做好核定核實的認定可能會造成潛在性的這些債務的風險"},{"start":3438.959,"end":3458.425,"text":"那我請問部長甘金管會目前有哪些這個標準或審查機制來注意各級政府推動永續這個債券發行會不會有中央故意在審查機制上刁難地方甚至延宕地方的政府推動永續債券發行的狀況發生會不會"},{"start":3462.318,"end":3474.003,"text":"對於有關發行債券來投資公建那其實是讓廣大的民眾可以一起來參與這樣的一個公建我想這是一個好的那至於相關的審核機制我想金管會來說明一下"},{"start":3476.224,"end":3500.937,"text":"剛剛在報告裡也提到就是說我們也鼓勵說政府來發行永續發展債券但永續發展債券必須要有它一套的標準就不是所有的債券都可以發行當然這部分的話我們是有一套所以現在還在起始階段剛剛想說我們總共才281億嘛這個也是一個很重要的籌資管道特別是在支持一些永續建設上面對 而且我們"},{"start":3502.185,"end":3517.595,"text":"贵买在负责债券市场上也会给予他们的协助跟一些怎么样去因为有的你需要跨部会并不是只有单一当然对不对因为你跨部会的协调这些工作你要是没有做好等于是零那个"},{"start":3518.696,"end":3535.928,"text":"駐美代表於大雷去年12月說美台快速減免雙重課稅法案樂觀在2026年能夠促成法案持法案2025年初在美國眾議院通過後續上代參議院表決那我請問部長"},{"start":3537.307,"end":3553.389,"text":"那個您是否也認為2026年台美避免雙重課稅的法案今年有沒有渴望成真謝謝委員的關注其實不管是台美雙方的也民間的也好跨黨派的一個他們美國的國會議員都支持"},{"start":3553.854,"end":3580.535,"text":"台美緊述簽訂所謂的租稅減免雙重課稅的一個協定那在去年的1月15號眾院通過當然還在參議院的審議我們也希望能夠在2026年盡快往前推動你有沒有信心當然在技術性的工作我們的財政部跟美方的財政部都進行所謂的技術層級的工作小組的一直在討論那麼未來如果參議院通過那後面的進度就會比較就會更加快以上的說明"},{"start":3581.144,"end":3587.673,"text":"最後一個議題美國總統川普對委內瑞拉發動大規模的打擊華府將接管委內瑞拉並開採其石油那川普總統宣告"},{"start":3596.304,"end":3619.182,"text":"门罗主义复活现在是加上川普总统名字的这个唐罗主义那有专家认为川普手上还有其他大事相较之下台美关税协议还需要一段时间那我请问部长台美关税谈判有望在农历年后2026年第二季前公布最后的结果吗"},{"start":3620.183,"end":3635.518,"text":"跟委員報告我想行政院由政府院長領軍的台美關稅談判的一個工作小組都有說過很多次就是說目前在以總結這個報告的一個目前在磋商當中那在時程上我相信如果有進展的話那麼行政院就會對外說明好 謝謝好 謝謝林委員接下來我們請吳秉瑞委員"},{"start":3656.397,"end":3675.734,"text":"主席 麻煩請進委會 彭主委請彭主委委員好主委好這開2026年之後這幾天的股市的成交金額都放得蠻大的前兩年都超過8000億就是這個證交所跟OTC這邊加起來"},{"start":3680.526,"end":3691.185,"text":"那這個資金突然之間增加這麼多就一天大概至少增加了兩三千億的成交額有沒有了解這個金額資金是從哪裡來"},{"start":3692.046,"end":3720.564,"text":"當然我們也看到今年跟去年來應該講114年跟113年我們看出比如說外資的參與比率是提高了就是我們2013年大概45%左右然後去年大概48%左右我想這部分大概外資參與程度是比較高當然這個比重假設我們看去年跟前年來比的話其實去年的平均成交量跟"},{"start":3721.525,"end":3735.538,"text":"跟前年幾乎是差不多只差了大概一點點大概平均的日成交量大概4100億左右那只是後面這幾天比較多一點這個狀況大概還是在一個比較正常當然"},{"start":3737.08,"end":3759.699,"text":"開年後這幾個交易日確實是成交量比較大一點我想大概是因為可以看到不過從平均來看的話大概應該還是在一個狀態剛才委員提到了外資其實參與台股的交易的持股比例是提高中因素很多有人說這跟ETF發行很多ETF所以他們要建倉"},{"start":3761.892,"end":3784.846,"text":"另外就是說外資因為過去元旦期間跟聖誕節期間是放假現在回來發現台灣股市大好所以就趕快來把他的股份建立基本的架構不過據統計前兩年外資對台灣的股市都賣超級千億"},{"start":3786.296,"end":3805.853,"text":"所以增加投資跟到最後的結果是賺了不少錢走是不是這樣是的 因為其實所謂的外資它都是大概一個長線的投資去年的話我們剛剛同仁應該揭露一個數字大概4000多億就是他賣超但是前年是6000多億但是他淨匯入還是淨增加"},{"start":3808.815,"end":3834.101,"text":"等於說其實台股的因為外資持股比例已經將近剛才跟委員報告將近五成他賣超前沒有離開台灣匯入還增加他parking在台灣是幹嘛是認為台灣他還有匯差可以賺是不是台灣的股市確實剛才委員提到也不是說台灣股市獨強各位可以看到跟國際上這些比如說現在的趨勢是密切相關的這代表外資看好台灣因為台灣去年的GDP成長是7.37如果照主計"},{"start":3838.542,"end":3856.377,"text":"總之現在發表的估計值今年還有3.7多這個都是全世界算是在發達國家裡面是非常好的成績所以人家來這邊投資很合理那剛剛我跟我的同仁看法不一樣就是說台灣的傳統產業遇到一些瓶頸"},{"start":3857.523,"end":3878.511,"text":"很多原因 關稅只是其中一項我認為最重要的原因是因為中國的大量傾銷中國現在製造業過剩全世界以零為貨歐盟哪裡一帶一路都大量在傾銷這些東西使得我們在傳統產業領域加上現在因為電商包裹這方面的發達"},{"start":3880.512,"end":3899.83,"text":"台灣這邊的這個製造業者反而他的稅金還比這些電商還要重本來成本就比人家重了 稅又比人家重然後他的 他所要經營這些成本就更高所以我們的傳產要深入去了解它的複雜因素很多我認為中國的傾銷如何能夠克服這是政府的責任"},{"start":3900.564,"end":3926.343,"text":"其實像委員講的沒錯我們也關注我們其他過去我們傳統比較類似的競爭的國家像比如說韓國日本其實上我們也看到他股市裡面確實他的傳產的部分確實也跟我們面臨到相同的競爭力比較差的問題我想傳產在面對到整個科技趨勢的時候他本來相對的在不管資本市場或者在被未來預期的關注度上都是比較不一樣這不是台灣所獨有的"},{"start":3927.304,"end":3953.017,"text":"是啦 那所以政府當然在科技高科技領域發展的很好那原來的傳統產業他因為被大量傾銷被用低價這樣子來進攻然後等等問題所以我們台灣的政府應該是要想辦法讓我們的產業我們的業者可以在這個經營上面獲得一定的保障跟優勢"},{"start":3954.451,"end":3965.556,"text":"你看現在那個電商的這些包裹歐洲 美國 澳洲都在對中國來的這些大量的電商包裹都在出招啊那台灣政府有什麼招呢這跟委員抱歉這可能不是經過沒有關係請莊部長來回答一下請莊部長落地了沒啊我跟總諮詢的時候"},{"start":3977.891,"end":3983.934,"text":"問院長院長答應了就到底這些電商到底全部落地了沒什麼時候可以完成我的要求院長的答應跟委員報告有關境外電商落地的部分他要在能夠這邊落地要經過經濟部的一個審核目前來說有部分電商已經落地譬如說像蝦皮還有Coupon有部分因為在審核的法規的部分所以沒有完成落地登記"},{"start":4005.697,"end":4028.264,"text":"但是我在總執行的時候你也在旁邊嘛是卓院長有答應我要要求他們趕快落地如果這樣子既然已經承諾了除非他要改變承諾了不然你法令上面該修改修改我跟你說用一個理由說好像鴕鳥這樣的心態說因為我不贊成中國的電商來台灣所以我就不讓他落地那消費者問題是消費者要消費啊除非你能夠把他的網路給禁掉不可能嘛所以"},{"start":4032.045,"end":4038.417,"text":"你這樣子讓這些不落地的電商他的成本減輕然後他要負的責任減少"},{"start":4039.79,"end":4062.156,"text":"那其實對台灣的消費者傷害另外一方面對台灣者這個他的成本減少就是對台灣的業者不公平啊對人家要落地人家要增加這些成本的就變成不公平的競爭啊這一部分是不是應該要趕快去進行而不是總諮詢每半年問一次然後難道要下一次的總諮詢我再問他說不好意思做不出來"},{"start":4064.622,"end":4080.652,"text":"了解 那我想委員這個關注我們都了解我們也在檢討相關的一些作業部分那你有沒有注意到美國我剛剛問的問題美國 澳洲跟歐盟都在對這個大量的包裹對中國的大量包裹那個彭主委你先稍微請回座"},{"start":4083.088,"end":4097.517,"text":"對於這個小額包裹低價免稅這個部分目前不是只有低價免稅人家這些地方都在對這個中國大量的這個包裹在出招稅只是其中的一項而已並不是全部"},{"start":4099.582,"end":4121.816,"text":"你剛剛講的這個小額包裹的免稅因為我知道現在你們的規定限制很多一年是不是半年六次然後金額是多少問題是你也沒有辦法查驗它的金額它申報多少你就當作它是多少也有在課稅的那你除非也有辦法追蹤到它的金流不然你怎麼知道它這個包裹來是賣多少錢"},{"start":4122.276,"end":4140.028,"text":"我想這個部分有關電商平台的管理數位部也一直在尋求一個精進的方式我剛剛問的問題你還沒回答你有什麼準備要對他們出什麼招呢人家美國 歐盟 澳洲這些大的經濟體都在對他出招了那台灣好像半點點委員 這我們會跨部會的來做討論那你先請回座謝謝委員繼續請彭主委再請彭主委"},{"start":4153.43,"end":4181.162,"text":"其實主委你的專業是在那個保險資金的這個運用方面因為你是保險方面的這個學者嘛所以對這方面了解比較多剛剛我看你那個報告這不忍阻堵台灣可以投資的是五點多兆就你的金額裡面現在才一千多億一千五百多億給你算起來是三趴對確實這一直都是因為國內的標的那你有沒有了解原因是什麼我覺得原因就是其實人家將本求利人家是要賺錢"},{"start":4182.492,"end":4205.892,"text":"如果你給人家的案子人家賺不了錢或是有別的地方比較好賺他來投資你這個東西幹嘛因為保險業他是要賺到穩定的資金讓他來保險人將來可以獲得保險金額公司要永續經營當然公司另外一個目的是要賺錢可以分配給股東所以公司是盈利事業"},{"start":4207.23,"end":4227.403,"text":"你要想到這一點所以你的東西如果不能讓人家賺錢人家是沒有興趣的所以你說你把它開放到社會福利方面台灣的社會福利就不是要賺錢的目的你去給他看衛福部的社會福利方面社會福利它的開宗明義不是要賺錢所以你把社會福利的部分打開讓他能夠投資"},{"start":4229.148,"end":4250.849,"text":"賺不了什麼錢人家就不會來這跟委員報告一下其實這個中間問題確實蠻複雜的我只是說其實整個保險業它整個資產的配置組合裡面它有各式各樣的組合其實我們就像比如說他買公債公債的報酬這麼低他還是要買這是它整個組合裡面會有一個基礎的那個是穩定的部分"},{"start":4251.209,"end":4262.482,"text":"它會有基礎 會有攻擊型的這些不一樣的配置但是我們希望把導演回來不是只有這個長照因為長照有很多是比如說他要提高服務的倒不是真的要涉入到長照的經營"},{"start":4264.079,"end":4281.932,"text":"還是一句老話因為時間到了啦在台灣多想一些投資管道給人家我們免得一直要投資到外國尤其是美國那避險的成本真的很高每一年匯率為了匯率風險所以要買避險那個花的成本都是我是覺得說在台灣多幾百萬在台灣投資"},{"start":4284.514,"end":4308.24,"text":"多一些在台灣投資那個避險的這些成本就可以降低跟我們報告其實我們經過這一段努力其實我們的去年到現在國外投資比例從62降到59其實已經有一些開始在改進而且其實我們也跟保險業講說其實未來你必須要把這個東西的不匹配要把它轉回來其實他們已經開始在做努力我覺得像我們看到最新的數字大概是來到59"},{"start":4309.841,"end":4314.928,"text":"比去年前期大概少了2點多%其實也是一個好的現象"},{"start":4315.669,"end":4339.977,"text":"是啦那台灣我剛剛一開始講經濟成長率這麼高台灣是一個很好投資的地方啊是你現在是捧著豬頭找不到廟門啦大家錢那麼多不知道要投資哪裡啊我說這家保險公司每個錢那麼多他不知道哪裡可以有好的這個標的可以投資那主席今天排這個這個是有道理的是讓大家研討希望我們大家要一起加油好不好是是謝謝謝謝好謝謝吳委員接下來我們請賴世保委員"},{"start":4355.882,"end":4367.102,"text":"謝謝主席一起各位先進有請經管會的彭主委好 請彭主委然後請莊部長一起好不好兩位一起等一下好 那也請莊部長好 委員長"},{"start":4369.96,"end":4394.114,"text":"好兩位長官早首先請教彭主委前面有委員提到了我們現在這個股市一直創新當然對國人來講都是看起來是心情都不錯可是仔細一看4月9號去年的4月9號國安基金入場到今年的5號昨天是6號今年7號"},{"start":4396.875,"end":4408.559,"text":"這個大盤漲了在1月5號在前天的時候大盤漲了75%上市公司 我講只有上市沒有上櫃一千家左右了 一千零多包括本國900多包括什麼KY的"},{"start":4411.161,"end":4436.476,"text":"那麼超過大盤漲幅的120價左右四分之一的上市公司低於去年4月9號的股價也就是它的股價低於國安基金進場的一個現象那股市的交易八成集中在晶片半導體等要電子股的類股"},{"start":4439.123,"end":4456.88,"text":"這個金管會因應你們什麼有教育所提出來跟教育所董事長要來可以什麼價值提升計畫這我看都沒有到底是怎麼樣具體到底是什麼你價值提升是價值提升台灣價值還是金融價值是不是噴金融價值還是什麼的"},{"start":4460.463,"end":4481.719,"text":"還是我們證交所價值是什麼價值提升跟委員報告那基本上來講的價值提升計畫就是說從我們的上市的公司裡面它必須要去揭露它的這些中長期的策略都有揭露啊 大家把你揭露沒有 那個它的中長期的策略那基本上我們的價值提升計畫我們是有經過我們對於精簡 講短一點 來"},{"start":4485.702,"end":4495.208,"text":"我們現在有487家揭露了他們的計畫那些計畫基本上的要點能不能講 你的價值提升計畫就是你要讓我們的投資者知道欸 借過來 借過來這裡有遺珠啊 遺珠之憾啊這麼讚 你都沒買到 沒看到閃閃發光被遺失的這些珍珠啊或者什麼的 是不是這樣子對 是不是這個意思是 沒錯"},{"start":4513.319,"end":4521.083,"text":"怎麼表現出來我們都是會在我們會加強宣導來啦 那個主委可以嗎你就針對這些遺珠這些大家沒有看到的這些珍珠要不要發一個ETF啦這樣比較快啦來一個什麼珍珠ETF可以嗎或是遺珠ETF可以嗎"},{"start":4538.456,"end":4558.059,"text":"沒有 這個要不要發ETF它牽涉到比特幣當然市場有機會它不然就會發我想說這個部分剛才其實交易所這邊要做的是因為如果是整個產業結構的問題我們要調整是可能不是金管會所說我們能做就是資訊盡量充分完整的揭露"},{"start":4559.16,"end":4567.302,"text":"我們以前說鼓勵公司加薪我們就有加薪100的ETF公司治理好 我們有公司治理的ETF同樣這裡應該就要發行移租ETF類似這個名字 名字可以改你要改成金融ETF我也不會反對金融就噴金融的金融不是養金融的金融"},{"start":4582.247,"end":4590.236,"text":"我覺得委員這個想法是很好我會請那個交易所他們回去把這個東西再做一個因為其實上就是我怎麼樣讓社會知道台灣有很多很好的產業你把它鼓勵一下讓大家知道比如本利比很低的對不對這個都值得大家投資結果現在都集中在這裡"},{"start":4602.289,"end":4621.28,"text":"這個扭曲啊 台灣的股市下極端扭曲也會進一步造成貧富差距的惡化老實講 你們的監理很重要是當然是 我想我們資本市場的監理因為它是整個反映產業結構我想說這部分我們會請他們來研議那個價值提升這個都做文章啦今天說的是我說的這樣啦好的"},{"start":4628.264,"end":4643.277,"text":"讓大家知道 怎麼樣讓他知道發ETF啊或者鼓勵捐贈發ETF都可以把他們找來你們發幾個我們就是這些被移租非電子類好的股票我們給他發ETF"},{"start":4644.898,"end":4663.431,"text":"是 就是凡是有助於剛才我們資訊充分揭露讓市場知道的這些的作法都很容易或者你們評估吧好不好沒有 可以啊 我可以評估一下一個月內給大家可以嗎報告委員事實上我們台灣指數公司事實上已經有發行了很多其他的指數的"},{"start":4664.332,"end":4673.236,"text":"的ETF那給業者來做參考那這個部分來講我們一定會加強我們一定會加強業者來發行董事長你這講這不好啦因為現況就這樣啊電子股的其中八成啊就是八成不管你以前做什麼你說我都有啊我都沒有結果結果是八成在這裡我們希望能夠把它分散一下所以我剛才講"},{"start":4687.541,"end":4696.11,"text":"就跟委員報告 委員這個想法我覺得都是非常正面要促進我給你一個月內評估可以嗎 一個月內可以啦 沒問題來來來 第二條我問你喔那個亞彭主委那個董事長可以請回喔"},{"start":4703.035,"end":4721.388,"text":"那個受險業是用IPOS上路了對不對1月1號開始上路了新的制度等於讓他大幅減少他需要的避險的所花的成本但是如果台幣長期升值"},{"start":4722.372,"end":4749.103,"text":"你要如何建立確實 這個就是我們要應對假設台幣是長期升值以他們現在的避險工具是也沒辦法避得到等於說我們要做這個這條最重要是現在避險工具沒辦法解決長期結構性的問題這才是真的問題如果說這個避險工具可以做的話它就該做的但是問題是我們就看到了因為它被避險的標的跟避險工具之間是不匹配的好 因為我時間有限我們主席要控制嚴格 來"},{"start":4750.243,"end":4753.308,"text":"你的減少避嫌一兆左右把它一兩年一兆"},{"start":4755.168,"end":4781.341,"text":"你們是轉為專戶希望它增值對不對概念上是這樣的就是等於說是這一部分就等於說它必須要累積在資產裡面你有沒有硬性要求它什麼時候你今天已經開始上路了給它本來那個變化這麼大你變成這麼小某種程度對它是大大的利多對受刑是大大利多那麼什麼時候它可以變成增值我們希望它資本額高一點"},{"start":4783.082,"end":4810.011,"text":"沒有 他今年最快他們的會試用是應該是今年6月30號因為我們的保險法是半年評估一次6月30號剛剛委員提到說對他有利其實不是因為他做完這樣一個遠藏表達以後他的損失可以少略但收益也沒有了所以說我想這是個持平我必須要在這邊講損失少略的就是利多不是 他的收益也沒有了我想這是一個"},{"start":4810.931,"end":4817.996,"text":"這個今天沒有時間講這麼多啦我現在什麼時候可以你要求什麼時候就6月30號他就會反映出來我們現在看啦剛才委員提到這個就是我們講的你現在授刑的錢有多少錢現在總共是37兆授刑業這麼多手上不是只有5兆啊什麼可以用的不是 總的錢總至少有37兆啊手上可以投資的"},{"start":4839.286,"end":4844.312,"text":"手上全部資產都可以投資他現在都投海外比較多嗎投海外22兆左右"},{"start":4846.399,"end":4852.184,"text":"問題就在國內沒有投資標的嘛是沒錯 國內投資標的比較少財政部長來來來 總部長你們啦 急急啦115年發工債只有1500億114年1800億 113年1800億到2025年 去年底為止總共發了不到6000億這麼一點點受刑什麼夠吃而且你們利率都很低啊你們都多少 請問你"},{"start":4876.616,"end":4890.867,"text":"多少 公債利率一點多一點多啊人家這些授權公司都買一個30年期的保底的公債海外都比你高很多啊海外都比你們高很多啊所以我是覺得啦"},{"start":4899.586,"end":4923.285,"text":"這個收銜業這麼多 手上這麼多錢你不能怪他說投資海外海外又有避險的問題等等的因為匯率長期升值的問題現在問題就在於財政部沒有好好的我們的債券市場我們資本市場就兩大嘛一個是股票市場 一個債券市場債券市場很差 政府公債不怎麼樣"},{"start":4924.6,"end":4927.602,"text":"對不對你們多發一點 多發一點而且你們反其他你們都反其他五年八年你鼓勵誰發"},{"start":4945.116,"end":4957.384,"text":"你鼓勵誰 鼓勵就是說他做這個公務員 其實是非營業的特種基金 他進行公共建設那他具有自償性的話 你自己也挑走啊你自己也挑走啦 對不對你自己做多一點啦 你五千多億加一個零差不多對不對 難怪我們的債券市場發展不起來這個 最後一個啦 這個部長"},{"start":4976.751,"end":4989.12,"text":"這個很簡單的一個就是美國企業或他中心在美國145個國家跟他有最低稅務他不用交了15%我們是不是可以在裡面"},{"start":4991.138,"end":5007.227,"text":"有沒有這個東西委員您的題目是今天的媒體報導是這個那個是美國因為他不是用OECD的GMT的全球最低稅負值因為他有他自己的稅制所以他希望他這個不需要用這套制度而是"},{"start":5007.907,"end":5026.625,"text":"透過AECD它有一個並行的一個制度在這個情況下那它可以不需要AECD的我們呢我們的部分因為我們目前來說現在觀察各個國家推動GMT的一個情形然後以及我們也先提高我們GMT的一個稅率像目前來說是報行政院美國企業總部在美國他的公司在台灣我們要不要課他最低稅務要不要"},{"start":5034.011,"end":5054.797,"text":"要不要 要啊我們要 再加一個小問題那個彭金弄 各位啊現在報導說委內瑞拉的總統馬杜洛他有600億美金的比特幣啊不知道跑去哪裡再追啊你們有沒有什麼機制來防止他跑到台灣洗錢出去啊 有沒有"},{"start":5055.888,"end":5074.782,"text":"這一點我想任何我們現在會觸動我們反洗錢機制我們都會關注但是我是不要讓太子集團的事件重演美國有沒有跟你接觸美國這裡美國沒有跟我接觸還沒有他剛開始應該不會跟我們直接接觸會喔 時間還沒有到會喔好 謝謝 謝謝賴委員接下來我們請郭國文委員"},{"start":5092.967,"end":5096.213,"text":"謝主席有請彭主委請彭主委"},{"start":5100.666,"end":5123.899,"text":"委員長主委長 討論到今天的主題其實受險之所以不願意回流投資的原因一來 國內投資標的非常的有限二來 他為了投資預定利率比較高的地方卻是有高風險的情況底下由於形成了過去過度的高利的債券然後過度的吸金 過度的曝險才會有過度的避險這是惡性循環的問題"},{"start":5125.08,"end":5151.811,"text":"即便如果你現在修正了這個會計原則的一個定義那會計界也配合你的情況底下但我們如果沒有解決這個過度曝險的問題其實可能會讓問題更加的惡化所以本席先提醒一下這個彭主委彭主委就像最近討論到委任內拉的問題當中本席就要就教於您了委任內拉這個部分金融業的部分就銀行業的部分總共在委任內拉曝險總共145億"},{"start":5153.812,"end":5168.443,"text":"其中单一业者金额就超过135亿投资什么 什么项目都不清楚这种曝显的情况底下让整个存款户会忧心忡忡到底我这一家有没有中标"},{"start":5170.345,"end":5188.439,"text":"這個問題主委你有沒有特別去注意他當然這個事情一發生以後我們第一時間就開始去了解因為這已經不是第一次前一陣子南非 像比如說俄羅斯其實我們都很關注我們充分的掌握這些那到底投資了什麼他是主要投資國際開發銀行的債券國際開發銀行債券那債券的等級又怎麼樣"},{"start":5193.483,"end":5207.588,"text":"這個等級應該是AA吧AA 那就我們比較放心就是要披露啊可是呢主要是牽涉到委內瑞拉有AA的還好你如果WB的你就慘了好 你去看你去看一下那個哥倫比亞的哥倫比亞目前曝險的金額高達是1385億1385億有單一的業者你知道嗎就高達629億"},{"start":5220.473,"end":5240.381,"text":"那依照目前的金控法的第46條三大金控對哥倫比亞的曝險都應該要分別揭露富邦187億國貸184億中信163億可是呢這三個看起來都是小咖了最大咖是629億不曉得是哪一個保險公司"},{"start":5241.181,"end":5268.315,"text":"依照現在監控法當中只有監控介入保險公司不一定要介入可是我個人的評估單一鋪險業者規模可以投入投到這麼高的金額算一算 主委我們來猜一米是不是南山我請問你我們想說是不是南山對不對 對嘛我沒有說好 這個要跟他們確認一下對不對 你就講一下就好你連這個都沒掌握629億呢"},{"start":5271.661,"end":5275.099,"text":"是三大金控加起來還不夠他的多呢是哪一家"},{"start":5278.317,"end":5303.824,"text":"是南山是南山嘛這629億是南山為什麼還需要這麼猜來猜去呢有三大金融業在海外的曝險只有金控的部分要揭露里當銀行要揭露保險要揭露都應該要揭露才對啊不是嗎主委我們應該去修法對不對應該比照金控法第46號對不對我想我們會來研究那個資訊充分揭露這件事情本來就是為什麼要揭露"},{"start":5304.184,"end":5318.569,"text":"就是說目前投資的這些高利的這個垃圾債已經降到BP級本來是BP加上BBA就是哥倫比亞的主權債還有包括國家石油債都被惠譽這個調降到B 雙方調到BBA統計上這個高達1385的這個垃圾債這麼高主委 你要怎麼辦"},{"start":5328.932,"end":5357.911,"text":"三大金控再加上南山要怎麼處理我想這部分因為其實他們在整個可以投資這裡都是我們法規規定他一定有配比一定有一定的條件這本來就是一定是他們現在合規只是說配比一定的條件就高達七成了比如說他投資的時候跟現在的狀況比如說會計上該認列預期損失他們就該認列但是剛剛講說主委你要如何把他特別輔導讓他步險減少把他引回來這是一個很重要的關鍵"},{"start":5359.453,"end":5371.923,"text":"為什麼這些受險公司願意把這個錢拿去川普口中的這些毒梟集團而不願意回流投資這些公共的這個建設只因為利率高就一直投"},{"start":5374.272,"end":5391.532,"text":"是風險於無物目前還是這樣為止你現在給他羅波說修改這一個公允的這個原則的定義還是會計公允原則的定義可是你沒有減少他曝險的可能性這要相對來進行 主委你不覺得嗎"},{"start":5392.092,"end":5418.73,"text":"當然是 剛剛委員提到有兩個風險一個是匯率 一個是信用風險這兩個是完全不一樣的做法因為當然一個是匯率風險對 這裡是信用風險那也是信用風險但是有沒有可能我們現在接軌IFRS 17還有包括ICS的過渡期有15年的過渡期你應該設定一個KPI或者是一個操作模式讓它要求每年逐年降低這個曝險的金額有沒有可能"},{"start":5419.19,"end":5444.715,"text":"这机制把它融入进去当然就是这要从制度解决不是从个案解决当然通案对我们来检讨一下比如说我们现在对这些比如说非投资等级的投资的比重跟投资的金额以及投资的限制这些我们从制度上来解决对麻烦就从制度上解决以减少曝险不要七成目标那么高一直要降下来降多少好不好麻烦你研究一下就是风险跟报酬"},{"start":5445.776,"end":5466.096,"text":"然後麻煩你這個方法一個月後給本席一個這內容你要如何讓他回來這是第一個第二個呢最近本席有提到這個轉大人ETF的部分我知道國發會的副主委來國發會副主委來一下你們跟衛福部還有那個金管會的主委也看我先問一下金管會主委這個彭主委你怎麼看這個案子"},{"start":5467.297,"end":5493.903,"text":"有沒有可能跟TESA結合過去我們的TESA是著重在成年以後的第三支柱的建構那這次的重點是在於出生新 新生兒到他成年之前的所謂的第一桶金的建構我覺得觀念上是一致的但是我們原來做的目標是等於說不一樣不過這個東西其實這樣可以結合對 對象別不同那個高復我想這個部分應該有一個確定的方向以前的衛福部這個兒少專戶應該只是存款"},{"start":5496.884,"end":5516.179,"text":"現在要變成流量 變成投資嘛這個方向定了嘛我想現在行政院正在有交由相關部會研議當中那個國會我覺得建議你在高度衛福部有它的局限性的限制應該讓金管會扮演比較大的角色好 現在請回我請金管會主委主委你如果說比照TISA就會出現一個問題"},{"start":5517.06,"end":5530.468,"text":"台灣的TESA我請財政部長上來一下TESA過去以NISA半年的實施我們比照NISANISA半年的實施就有727萬戶日本我們弄了半年我們才7萬戶人家的零頭差了720萬戶人家的金額是多少1.5兆的日幣總共新台幣大概是3000億我們多少搞了半年才90億"},{"start":5545.677,"end":5572.891,"text":"主委 你没有挫折感我看的都很有挫折感其实跟我们报告我完全没有挫折感你没有挫折感现在尤其是我们在差那么多你没有挫折感没有 其实我信心不是 我们对制度的建立我们在培养国恩长期投资的观念原因就是诱因太低主委讲白点早期我就跟你讲你TESA只有手续费的经理费的部分诱因太低关键还是在税人家的税额在TESA 1.0的部分有100万的这个免税额"},{"start":5573.391,"end":5575.154,"text":"到现在终身2.0是有1800万了终身"},{"start":5579.401,"end":5603.32,"text":"足足是超过五百多万 三百多万那个 来来来那个主委你休息一下我知道不是您问题是部长的问题 部长这个问题就是要如何股市全民受分享大家愿意投入一个很重要的东西就是在这个部分可是过去财政部过度以待所得税的部分我们整个税源的结构过度以待所得税所以说你平平不敢放"},{"start":5604.221,"end":5617.933,"text":"你們應該稍微釋放一下這個所得稅的部分讓這個金額擴大一下才能真正讓整個TESA能夠增加之前剛剛提到了這個部分當大人ETF是小孩子你要讓全民共享的話真的要靠TESA部長"},{"start":5620.388,"end":5622.57,"text":"跟委員報告有關TISA跟NISA的比較其實我們也做過比較那目前台灣所推現行有關各方面的稅賦的優惠其實並不輸給NISA但是為了這個所謂的ETF它所謂的TISA這個部分"},{"start":5635.999,"end":5646.349,"text":"要不要再擴大釋出有關的租稅的一些優惠的部分那才任務也和金管會一直在持續的討論所以主委要就是所得啦 部長你所得的部分只要你比照勞保字體勞退字體6%的設計你用一個設計上有一個總和的設計基本上就可以吸引到很多人來加入我們的TESA來那個部長稍微旁邊稍微休息一下我問一下主委 主委"},{"start":5661.923,"end":5683.788,"text":"再拉回来说不论是整个这一个整个税制的优惠的一个关键之外还有你有没有可能犯宽标的你目前为止只有35档的基金有18家投信业者的加入但是只局限于基金没有开放到台股或ETF的情况底下我觉得那个"},{"start":5684.508,"end":5708.379,"text":"你要稍微要放寬一點這個是我們我們是一個逐步漸進的策略逐步漸進 來因為主要是我們的TESA你要怎麼逐步 我很好奇一個月的時間麻煩報告一下來 那我再請一下部長部長我剛剛讓你漏掉你TESA的這個鼓勵的部分要限額免稅的部分你說你有在評估麻煩一下 麻煩一下一個月給我報告一下給我一份報告一下好不好 好 謝謝"},{"start":5709.54,"end":5727.912,"text":"最後一個部分也是跟部長有關係財政部長 部長慢點走主席給我一分鐘一下最後一個這很關鍵我們現在有91.4萬的空屋還沒有釋出當社宅所以說以至於讓我們社會住宅現在停擺目前多屋持有者的部分在2021 10戶以上有總共1734件1007件補稅補了1億5戶以上17603件3053戶補稅1.4億2024年18000件目前的進度怎麼樣"},{"start":5740.8,"end":5755.586,"text":"目前進度是我請負稅署署長來幫我說明一下要划幾件 補多少稅您是說那個租賃第三波租賃專案查核我們才還沒最後一季的還沒回報那上次已經是我記得那稅額是一個第二次有回報"},{"start":5756.772,"end":5774.879,"text":"因為我們是按計以回報的第二次你已經披露了可是第三次你什麼時候會披露您說是八千戶那第三波第三次的專案查核因為是兩年為期所以是到去年為止對 去年為止目前還沒回報最後的結果那大概要什麼時候我們設定的日期是什麼時候回報可能要到那個二月二月對因為他們要結案再回報那個跡象那個農曆過年前可以出來嗎"},{"start":5784.13,"end":5793.755,"text":"農曆過年期 我們趕趕看好不好好 就麻煩了 那個署長謝謝部長 謝謝主委 謝謝主席好 謝謝國委員接下來我們請賴會議員委員好 謝謝主委請金管會主委還有財政部部長那國安會副主委好 請彭主委 莊部長 高副主委"},{"start":5813.381,"end":5828.934,"text":"我們討論的主題其實在2024年就是我們已經進行討論過了當初每一個部會都有提出自己的方向那現在已經經過一年多了我們今天就來檢驗跟當初的目標差距的有多少"},{"start":5829.734,"end":5842.433,"text":"首先我要請教那個金管會就是說其實金管會是一個非常慷慨非常大方的一個單位去年實驗你這個大手一揮你把這個投資的上限從10%拉到15%"},{"start":5845.237,"end":5874.62,"text":"那整體的投資在公建站那個就是在整個公共建設站保險也有可應用的資金的一個限額你看你拉到15%可是這個4.2兆的空白的差距怎麼補上好像政策跟現實有一個平行的時空那增長的速度其實是非常慢的你這個一年只提升到0.05%這是什麼原因呢我想請教主委這是什麼原因"},{"start":5875.72,"end":5895.846,"text":"你在畫大餅嗎也不是畫大餅因為這也是回應外界的預期就是說其實我們要導引我們的這個受險業資金投資國內我們在政策上必須先做一個宣示所以這個我想10%到15%就告訴我們說接下來我們要長期的做這件事情"},{"start":5896.326,"end":5921.916,"text":"是當然沒有錯這個距離還很遠但是我們也看到我剛才跟委員報告就是我們現在在國外的投資的比率已經開始在從高點往下降我剛才講說我們前一個年度大概是61點多那現在降到59點多那實際上我們還持續在做因為這個其實上站在金管會保險業資金員他是一個買方"},{"start":5923.597,"end":5950.76,"text":"買方要有賣方就是說要有那個去路這個去路不是我們能夠你已經給市場一個非常明確的一個導流信號了可是我們在這裡看到了就是說事實上國內的壽險業不管是大額的壽險業還是甚至到小的這一些業者好像沒有看到你這一個天花板的一個政策這個是為什麼"},{"start":5952.117,"end":5971.97,"text":"這個我倒是要請教主委為什麼那個是財政部沒有趕上來財政部沒有提出比較好的一個牛肉上來嗎是不是這個樣子這也不是只有財政部的問題我想比如說還有哪一個單位我們的公共建設等一下財政部的問題我們再來請教財政部長那你認為除了財政部還有哪一個單位有問題國化會"},{"start":5973.371,"end":5987.609,"text":"比如說我們講我們的公共建設的本質上有很大的範圍因為我們各個部會都有牽涉到一些公共建設的項目財政部主要是負責他們的其中一部分我想今晚會對於"},{"start":5989.391,"end":6013.894,"text":"對 所以說我們現在在你講出來就是說這個造言計畫裡頭其實財政部顯然沒有提出比較好的一個促餐的一個方式他的這個促餐的這個比例太低太低了那好 國安會的一個造言計畫顯然都集中在力能那為什麼部長會是這個樣子呢我想聽一聽就是財政部長你的說法"},{"start":6014.434,"end":6037.93,"text":"是 謝謝委員我想保險業資金要投資國內的公建那要有一個很重要就要有一個案源要有案子他才有能夠去投資所以在財政部這個部分呢有一個創新的促餐推動的機制第一個就是我們要擴大案源擴大案源包括就是說各部會未來要提有關公建計畫的時候他在研議的時候就要先優先評估是不是要走促餐而且我們一個促餐專案辦公室來提供諮詢跟輔導"},{"start":6041.713,"end":6058.471,"text":"也就是说对于能够透过促餐的方式来做公建我今天看到你还特别花了一个新闻稿你说以114年为例就是上类的几个公建计划里头"},{"start":6059.392,"end":6075.308,"text":"你成了幾個案子你說你要提出提出那個案子來讓大家投資那在113年顯然我們從保險業的一個資金跟促參案件的一個統計來看的話全部都是掛零"},{"start":6076.55,"end":6088.683,"text":"跟委員報告沒有保險業者對財政部沒有信心還是114年簽約案已經達到了100多件我們剛剛報告裡面有那總金額達到3000多億啊已經有達到超過3300億的簽約金額"},{"start":6094.289,"end":6111.505,"text":"簽了有沒有執行不然你看你自己的一個這個保險業的一個資金的一個出差的統計情形來講的話全部都是掛零你1415億的大餅那保險的投資卻是零這個你應該要解釋什麼什麼樣的一個意思"},{"start":6112.205,"end":6131.213,"text":"那還有就是說我們研讀了財政部你在這個113年度民間參與公建的一個簽約細件的一個明細那我們跟你肯定可是帳面上看來你這個社會福利跟衛生醫療的事件加起來你才是274億佔總體的比例還不到19%為什麼會是這麼低呢"},{"start":6137.959,"end":6159.446,"text":"當然我們會請因為各個案源是由各部會的相關計畫裡面來提以及地方政府的一起來提那目前來說我們的畜餐推動辦公室也有對一些重大的案件來做輔導跟列管包含社福跟水資源你來做一個說明你提的就是說你最近接到了這一年你接到什麼重大的案子"},{"start":6160.106,"end":6188.201,"text":"我跟你講長照還有社會福利還有就是社會住宅還有就是那個聯通案鐵路聯通案那個都不是你的你的促餐在哪裡你的促餐的案子在哪裡是 各位原報告就114年簽約的一個促餐案我們今年的一個促餐案有高雄市的最大的一個案子最大的促餐案是高雄市的AI智能高效焚化爐"},{"start":6190.262,"end":6213.028,"text":"對 這個多少錢這個165億165億是你最大的案子喔是 那另外還有一個你如果好事拿出來說一百六十五億是你最大的案子然後你這樣就滿足了165億那你叫受險業者來投這一個的話你看我們金管會都是那麼慷慨已經就是把你這一個額度就是往上提了啊"},{"start":6214.592,"end":6232.11,"text":"這個政策的一個引導165億好來那第二大的案子你再告訴我第二大的案子是多少那第二大是台中市的文山焚化廠的一個BOT案不好意思第二大是新竹湖口的大型物流中心的案子是141億"},{"start":6234.471,"end":6248.576,"text":"所以市長 我想這個顯然你在這個數據上還有政策上其實你還有很大的一個進步的空間一百多億的案子一百多億的促成案你把它列為就是你在114年裡頭的前兩大"},{"start":6253.498,"end":6273.092,"text":"這個我都不知道你們財政部部長站在這個地方的時候儘管會副主委還有我們就是儘管會那個主委還有就是我們國花會副主委站在這個地方的時候他們花了那麼大的一個力氣一個製造一個這麼大的一個舞台給你的時候結果你的初餐是竟然是八個月"},{"start":6276.322,"end":6301.376,"text":"我不知道该怎么样跟财政部来检讨这个事情委员我想有关案源的部分我们会积极的来做一个推广的以及扩大那跟委员报告有许多比如像水资源的部分海水淡化厂再生水厂以及社会服务包含长照还有社宅以及农业设施的部分都会去强化然后把案源能够提出来增加明天投资的案源"},{"start":6301.656,"end":6320.348,"text":"妳要強化這當然是最好的可是我偷偷的告訴妳一件事情妳這一個促參案促參案就是說我們最快的就是從保險業的一個資金最想引導的就是保險業的一個資金可是從1415億裡頭的這些案件我們看到財政部的統計"},{"start":6326.252,"end":6351.112,"text":"你在113年是掛蛋那114年你們告訴我說有3000多億這3000多億裡頭我問了司長說你最強的第一個案跟第二個案竟然都是100多億啊這個表示就是說你這些案子其實體質上根本不符合這個保險業者的一個需求那怎麼何來促參呢"},{"start":6353.279,"end":6369.753,"text":"保險業當然他有投資他的一個選擇那金管會對保險業投資公件的部分已經在法規上做了鬆綁那可以鼓勵保險業的資金投入公共建設他一直在鼓勵你們問題就是說我們最主要就是要提供按援我跟你說部長我到市場我是一個家庭主婦我口袋裝了幾萬塊我要來買菜結果你的菜單都沒出來"},{"start":6380.683,"end":6406.662,"text":"你菜單連刷出來都沒有刷出來我找不到我可以買的這個我可以買的菜色所以委員就是要擴大我們的案源已經擴了 擴大了可是你的案源你的案源你沒有認真的去招商啊最大的問題是你沒有認真招商啊我們是有每年都會收集各部會以及地方政府他在半年內他要提出招商的案源然後我們召開招商大會同時我們也有"},{"start":6410.064,"end":6428.455,"text":"初餐的IMAP把這樣的商機提供給相關的金融總會以及民間的一個社會大眾知道增加一個投資的議案員我們還是回到就是說你不是收集資訊然後去提供而已其實你還可以做的事情非常多我們也主動的會去做一些輔導以及諮詢"},{"start":6431.752,"end":6457.695,"text":"我跟妳說 看得到吃不到了這個是真正的一個大的問題那國化會也是在這個戰略平台的一個總體檢我跟你講你一年只有三篇新聞全部都是還是集中在力能的一個融資上面其實可以進步的空間太大了我跟你說我不是陳一貞不然這問題丟到陳一貞身上她一定把你罵慘了"},{"start":6459.116,"end":6478.703,"text":"那個跟委員報告那個兆元投資除了透過促參而且促參將來我們專案辦公室會推很多指標型的案件以後會陸續出來都會比較大型的而且我們也透過PE就是INFA PE跟VC的法規鬆綁三個行政部門講我們要"},{"start":6481.164,"end":6509.634,"text":"要很實際的實際的去推動不要講這個理想金管會已經把大門開了你看他多慷慨對不對財政部跟上來那我們也希望就是說國發會你也要跟上來這個大家其實需要你們的我們南部這麼多的老人我們需要長照我們需要這個社會住宅謝謝委員指教好 謝謝賴委員接下來我們請中央嘉賓委員"},{"start":6525.348,"end":6550.406,"text":"主席 在黨委員先進列席政務機關所長 官員會長 工作夥伴 媒體記者 女士先生有請財政部莊部長國庫署 負稅署可以在同旁協助然後彭金榮 彭主委也請政企局跟保險局同旁協助最後要請我們高仙貴 高副主委至於裴同仁不用了剛好是我小學同學就不麻煩他了請莊部長 彭主委 高副主委"},{"start":6555.625,"end":6580.607,"text":"來莊部長妳看我有注意到妳的領巾跟圍巾都很漂亮今天效法妳我帶了圍巾來好 我們今天的題目是什麼我們今天題目是如何引導國內資金擴大參與公共建設及策略性產業目的是不是就是因為如果說國內的資金可以來參與公共建設政府的稅收就負擔不會那麼重所以這是一種對政府來講是支出的節流對不對"},{"start":6581.548,"end":6604.942,"text":"讓別人來負擔嘛那財政部也要開源嘛要增加稅收嘛那怎麼樣增加稅收呢我請教一下宋署長目前台積電一年貢獻台灣的稅收差不多有沒有1000億啊這幾個別納稅人資料我們是不能公開不過我看到網路上有超過1000億啦那有沒有比台積電更大的店貢獻更多的你知道是誰嗎有"},{"start":6606.363,"end":6616.489,"text":"有 我跟你講是中央銀行一年貢獻我們國家稅入將近2000億來 部長莊部長來 你需不需要有更多的台積電來貢獻我們的稅收"},{"start":6618.506,"end":6640.891,"text":"當然我們希望民間企業發展得更好 是培養我們的稅源所以你可以用租稅優惠來培養下一個台積電這是我們政府手中的工具而且不只一個台積電還有眾多的小積電你以為是什麼是小積電不是您最近通過了一個財政部今年實施我很肯定就是你們這樣小規模營業人導入了行動支付的租稅優惠對不對本來營業人月均營業額20萬以上就要繳5%營業稅是不是"},{"start":6647.403,"end":6673.697,"text":"好那現在呢你們讓這小店家如果他使用行動支付加上多媒體的服務機就是可以自助找零自助收盈的那你在80萬的月經營業額給他租稅優惠1%是不是這樣那這樣不是有些稅損嗎人家80萬的營業額要繳5%啦你給他1%目的是怎樣希望這些眾多的小小的年輕人他開的店未來可以長成很多的小雞店未來他營業額超過百萬繳5%是不是我們收的更多"},{"start":6676.801,"end":6688.462,"text":"我們希望發展得更好是的 所以我覺得財政部用租稅手段讓民間償付於民讓未來的納稅人有更強的繳稅能力這就是我們財政部的租稅的思考嘛"},{"start":6690.149,"end":6697.171,"text":"我們其實投資的思考嘛對 像產算條例裡面都有很多相關的一些這就是對投資未來的納稅人有助於擴大我國未來的稅源好不好 可以往下看來 有人提出了哎 民進黨提出了新生和帳戶藍白呢 言行題白啦說 包括我們的這個 他們說秋瑩有希望帳戶郭國勇有登大郎ETF然後呢 藍白提出未來帳戶這些都是由政府來投資到未來的國民"},{"start":6719.817,"end":6736.316,"text":"这些国民长大后有工作能力有收入后会不会贡献税收长大后他们就是就可以去那是义务人所以投资未来的国民新生代很重要对他们的投资就是培养未来的税金你同意吗"},{"start":6740.634,"end":6759.702,"text":"其實川普也是這樣說在美國他認為在這個年期當中美國政府給他一千美金然後他未成年子女就可以去投入指數型基金不過美國的做法父母美女要再存五千未來成年會運用教育手工跟創業你覺得川普這個做法也是在投資美國的未來"},{"start":6762.043,"end":6778.339,"text":"他有川普的做法是 那台灣的川普呢川普的帳戶我們看一下台灣的川普帳戶呢是白吃的午餐我們看一下今天問了問卷這是自由時報的問了他說 戰不贊成成立一個類似的川普帳戶政府提供的金額讓孩子呢未下存他未來有人贊成"},{"start":6779.46,"end":6796.51,"text":"可以提高生育率將近15%有人說金額要小才不能亂花納稅錢但是有人說有條件贊成只能對經濟弱勢但是有很多人是反對相信四分之一的人說這是變相花錢這種資源有限去造成財政負擔請問財政部你看了一下你會是贊成還是反對還是有條件贊成"},{"start":6798.831,"end":6803.432,"text":"我們報告目前來說有一個兒童及少年未來教育局發展帳戶那未來要怎麼樣去做要調整是不是要擴大那目前來說已經在跨部會的討論當中了好 但是我們看起來一般的民眾不是很了解情況之下多數是持保留態度啦那我個人呢是有一個想法待會要請我們這個彭主委跟我們的副主委跟高副主委一起來思考來我們往下看"},{"start":6826.055,"end":6854.62,"text":"我剛剛說了 比台積電還貢獻國庫貴多的是什麼是中央銀行中央銀行持有超過6000億的美金的外匯存底是全世界第四僅次於中國 日本跟瑞士這6000億的外匯存底一年可以貢獻多少給我們國庫的稅務部長你知道嗎中央銀行對 中央銀行的每斤腳褲大概差不多2000億2000億 兩個台積電可是我們問一下中央銀行它是目的是要來增加我們稅務它的貢獻佔我們國家一成的稅務"},{"start":6856.325,"end":6872.414,"text":"很可觀但是我們想想看我們問過央行總裁他說你這個東西可不可以拿來外匯存體拿來做他說可以啦不宜由外匯存體直接無償撥用但是相對的有償借用可以考慮吧這是央行的說法你知道嗎好來彭主委我們現在請教你了來我們常常說"},{"start":6879.775,"end":6896.696,"text":"人生第一桶金啊有沒有聽過紫南宮對不起這個紫寫錯了是手指頭的紫有沒有聽過紫南宮的發財經有你有沒有投資沒有 我不是說投資紫南宮啦有沒有聽過你親朋好友去紫南宮借發財經有 有新聞上看到過對 為什麼"},{"start":6898.118,"end":6923.318,"text":"因為他跟神明借了一筆錢跟廟借了一筆錢他回去投資賺錢他拿來貢獻嘛其實剛剛講的川普的一個賬戶希望的賬戶 外來賬戶他是人生的周轉金是我們國家先把未來的還沒收的稅收先預借出來投資給下一代我們來看一看我舉個做法齁如果是全民的外匯存底由政府把它借出來然後呢撥給我們的民眾1到18歲"},{"start":6924.9,"end":6933.174,"text":"讓他去進行投資投資什麼TESA投資TESA你這樣不贊成當然當然贊成嗎可是TESA現在規模多少"},{"start":6934.065,"end":6955.628,"text":"現在TESA我們第一階段剛剛有報告過差不多接近百億一百億啊央行一年就一千億啊所以我們看看如果他央行不要拿多拿一些來讓我們的年輕人下一代他長大之後他拿到這個TESA的收益他可以做這些事情而當他投資了自己之後三十歲之後他可以創造稅收你覺得有沒有可能"},{"start":6956.289,"end":6982.389,"text":"其實我們的想法比這還多一點因為除了是對個人以外因為主要像比如日本它在發展NISA很重要是它是要壯大他們的資本市場然後進入產業投資我想這個大概有很多從來除了增加個人的第一桶金的儲值以外很重要讓它進入到資本市場支持經濟發展主委我知道你有一個很大的架構我簡單講"},{"start":6983.49,"end":7003.512,"text":"如果說今天央行貢獻從兩千億的稅率他少五百億就好了這五百的稅率他減少他減少他美債的持有他買我們國庫券用國庫券跟他借 低利跟他借他每年可能少貢獻國庫一點點的稅率但是這個借出來的錢"},{"start":7004.946,"end":7028.975,"text":"我們發行長年期國債然後這個國債我們用來進行TISA的複利投資為我們的每一個國民 新生國民投資只要未來他成年後 獲利給他本金歸還央行你覺得國庫有增加支出嗎央行有沒有錢借給你 本金我收回來啊那利息呢 利息照算 我算給你看"},{"start":7030.512,"end":7056.554,"text":"今天假如這種TISA的每個月定期定額1000年化報酬率6% 持續20年它可以累積到46萬2000我們的本金24萬還給央行負利的獲利就22萬2如果不是1000 是1萬的話這個就變成222萬以上是不是這樣子所以有沒有給國民低桶金 人身周轉金"},{"start":7058.182,"end":7061.476,"text":"國家有沒有支出 有還啊什麼時候還 20年後還"},{"start":7063.953,"end":7086.805,"text":"那國庫怎麼跟央行借外匯用國庫券來往下看我算給你看去年11萬的新生兒我們要如果這樣的做法一年要1萬2持續20年每年要花264億如果說我們拿現在央行外匯存體美債的短年期的4%跟我長年期的國債券2%它的利差它會損失多少央行會少腳庫1億5而已啊2000億少個1億5"},{"start":7091.548,"end":7114.267,"text":"我們國庫要付多少利息給他要付5億220年我們國庫幫這樣的人生周轉金的第一桶金我們每年幫他付5億2的利息央行少繳庫每年少繳庫1億5結果我們可以跟央行拿出264億來投資TISA主委有沒有比你現在100億的規模還大"},{"start":7115.117,"end":7130.71,"text":"當然我們現在只是在初始階段剛剛委員提到一個很好的構想就是我們用資本市場利得去支付一個固定收益的成本那個差額就是它的增值來 高路主委接下來是有你的事情了"},{"start":7131.738,"end":7146.414,"text":"我們現在往下一頁其實目前國發會思考的都是用總體經濟的角度來看但是總體經濟是建立在個體經濟的成長上面如果說我們每一個國民我們要一年才十萬個新生兒"},{"start":7147.415,"end":7169.006,"text":"每年20年每年每10萬個新的國家都要投資用什麼方式用財政部國庫券跟央行借外匯存底20年要還他本金收益就是這個20歲成年人他的第一桶金讓他有10年的時間投資自己讓他30歲之後創造更多的稅收給我們的財政部"},{"start":7170.353,"end":7195.449,"text":"主委 副主委 部長你們覺得這個構想可不可以去思考一下因為其他任何的做法都會涉及到家庭經營的能力如果比照川普的做法優勢家庭可以幫助你存更多如果用台灣的做法家長不存人家說是白吃的午餐但是我們這個做法國庫暫借錢跟國庫跟央行的外匯存你借了一筆錢"},{"start":7197.066,"end":7222.307,"text":"每個月負利息用了20年產生的負利收益給20歲成年的年輕人然後本金歸還這樣的一個預借下一代的稅收創造下一代的稅收每年腳庫的國庫的稅收收益才少那麼一點點有沒有看到央行把外匯存底借給國庫來做這個事情他每年的腳庫盈餘啊 只少一點點"},{"start":7223.769,"end":7241.746,"text":"副主委有沒有聽懂了不好意思我這樣有點不太禮貌有沒有理解了我想我大概知道可是因為我想委員的想法非常有創意可是這個涉及到央行還有財政部我知道因為央行不是在今天才問不然他就第一個反對了副主委最後要你承諾了來 下一頁"},{"start":7245.034,"end":7258.565,"text":"所以請評估外匯存體有償撥用每月挹注新的帳戶至成年該帳戶的資金投入TESA累積福利財富並用於其成年後歸還本金的可行性國發會可不可以做一下我先問一下"},{"start":7259.468,"end":7288.323,"text":"彭主委如果這個做了來壯大TESA你支不支持每年多260億來壯大TESA支不支持那當然這個主要是當然支持 謝謝來我們一下高副主委是朝這個方向走高副主委可以嗎可以做得到嗎一個月內我們一個月提出書面報告好 謝謝那部長您今天可以回去安心可以好好的微笑的入眠幫你的未來30年國家投資未來的納稅人 謝謝謝謝委員好 謝謝鍾委員接下來我們請陳玉珍委員"},{"start":7297.613,"end":7306.422,"text":"這個民眾 民進黨團幹事長鍾嘉斌喔來來聽一下 剛好聽一下來對你可以聽一下跟你有關係這個我們請國發會請高副主委"},{"start":7315.919,"end":7334.183,"text":"委員好本期推動離島建設條例我們民進黨團幹事長鍾嘉斌委員昨天開記者會5號開記者會說修法就是要把陳玉珍委員的選區金門變成福建省的經濟特區金門是屬於哪一個省"},{"start":7340.715,"end":7363.119,"text":"當然是金門市屬哪一省應該是中華民國政府的福建省福建省那有什麼不對呢金門就是福建省金門縣宗嘉濱委員可能還不瞭解聽到大家知道自己不對走掉了金門是福建省沒錯吧金門是台灣省的嗎是中華民國下面的福建省當然是中華民國這個懷疑嗎沒錯郭齊在那裡還懷疑嗎對啊好我們再請教民進黨的這個"},{"start":7369.5,"end":7385.322,"text":"立委沈博洋說國民黨欲藉由離島建設條例讓地方離島可以排除中央法規的適用簡單來說就是要地方包圍中央然後首等中共統戰的官員受訪表示"},{"start":7387.429,"end":7410.464,"text":"這個涉及兩岸相關法案應先經討論評估強行通過絕對是為盟其利 先受其害現在就連金門縣 連江縣政府都不知道在修什麼行政部門反對危害國安的草率修法這個總體來說就是說他們不知道 民進黨不知道金門是福建省"},{"start":7411.601,"end":7440.178,"text":"金門本來就是福建省我的身份證也在這裡也是中華民國福建省毫無疑問第二個他們認為這個修法民進黨覺得修法修離島監制條例只要地方包圍中央第三個他們覺得金門縣政府就不要講連江小就講我們金門縣都不知道在修什麼我們提出的這個離島監制條例好第二個請問您這個上一頁我們是福建省金門縣這個毫無疑問吧上一頁"},{"start":7442.526,"end":7454.963,"text":"有沒有問題啊 高副主委這個要想很久嗎當然中華民國這個站在中華民國土地下還懷疑這個問題第二個 如果我們基本有幸成為經濟特區也是中華民國下面的福建省的沒錯吧"},{"start":7459.106,"end":7480.498,"text":"對 我們因為我們台灣事實上沒有那個經濟特區的相關的法令的規範藉由現行法令來說是 那我們想要立在立到建設條例裡面修法嘛那這個變成中華民國下面福建省經濟特區有什麼問題呢讓金門變成更好有什麼問題好 請問我們金門縣有沒有跟你跟我們國發會討論過要做法規的鬆綁我想"},{"start":7483.94,"end":7504.103,"text":"有沒有討論過離島條例應該歷年來就有多次的修正對嘛難道是今天才發生的嗎之前張景生張景生你認識吧當然我們行政院政務委員在106年12月底就已經說過因應金馬地區的發展需求要給我們金門這個地方更大金門馬祖更大的彈性"},{"start":7505.444,"end":7523.538,"text":"所以有指示行政院金馬聯合服務中心用行政委託的方式把金門馬祖蓬湖這些連江這些地方要推動修正離島建設條例行政院都說要推動更大彈性的怎麼會變成是地方包圍中央這個是106年這已經是8年前了現在已經8年前再下一個您看"},{"start":7524.899,"end":7543.155,"text":"張景生也支持我們金門縣會所提出的八項訴求也事實上就是在我修離島經濟條例裡面提的東西一百一十二年八月金門縣議會議員拜會行政院政務委員兼行政院金馬伶仁服務中心主任張景生他就是以前我們福建省的省主席"},{"start":7547.607,"end":7568.807,"text":"針對離島醫療費用建構金門成為兩岸經貿合作先行示範區協助修改離島天然條例等議題討論張俊生允諾張政委那時候是政委這是112年這個是大概4年前3、4年前他說要協調專案研議而且要設法解決如果照沈伯陽的說法沈伯陽說這個"},{"start":7571.344,"end":7592.435,"text":"這個我們要排除中央法規適用地方包圍中央那照這個民進黨現在說法我們要把金門成為兩岸經貿合作先行示範區我們就是中共同路人那現在這個張景深是不是也是危害國安的中共同路人報告委員其實我們離島建設條例會隨著主客觀情勢的改變其實我們"},{"start":7593.015,"end":7606.47,"text":"其實歷年都有修正都有修正嗎對 都為了離島都有在修正所以我們今天提出修正又不是突然目前其實因為兩岸的關係特殊而且情況複雜對"},{"start":7607.972,"end":7618.542,"text":"所以其實我們覺得離島建設條例還是要按照在台灣地區跟大陸人民關係條例下構下面去妥為處理會比較好沒問題 但難道離島建設條例難道只是面對大陸的條例兩岸人民關係條例是大陸面對大陸離島建設條例主要是離島要怎麼發展的議題並不是只有跟大陸有關係"},{"start":7629.412,"end":7638.335,"text":"而且今年你們知道你們有抓到這個訊息嗎今年金門縣政府在113年6月就已經在金門縣議會提出修法的專案報告這個建議修法設立離島自由貿易示範區我提出來這個並不是我本人個人的意見是金門縣議會金門縣政府共同的意見什麼叫做有委員說什麼不知道金門縣政府說金門縣政府不知道修什麼"},{"start":7654.461,"end":7680.498,"text":"還有今年上個月你看一下應該是11月了去年去年底11月金門縣議會全體議員一致決議通過金馬鵬三里島推動修里島經濟條例修法建議函請立法院議程上個月11月了11月20 21議長還有我們金門縣副縣長都來拜會韓院長還有國民黨民眾黨民進黨三大黨團說明修法的必要性和重要性請中央正式離島人民的"},{"start":7681.218,"end":7699.366,"text":"期待那你們國發會是我們離島建設條例的這個修法的主管單位對金門縣議會和金門縣政府所提出來的離島建設條例修法條文有沒有掌握當然我覺得那個委員有沒有掌握我們有掌握有掌握嗎你知道裡面有多少議員提連署嗎你知道有幾位嗎上次來的有你知道有多少議員連署書都給你們了在議會正式提案議會通過了"},{"start":7708.223,"end":7720.641,"text":"還包括金門縣政府啊都一起到立法院來拜會三個黨團來拜會這個韓院長表示我們金門離島非常想要迫切修改這個離島建制條例的這個因應期盼啊"},{"start":7721.806,"end":7742.328,"text":"你们有掌握吗 有多少位议员我们有16位议员18位 算错了 18位议员我们基本现有19位议员有一位民进党 民进党也联署民进党的组委也在这个《立党经济条例》联署表示支持在基本这个是不分党派的议题所以国发会身为这个《立党经济条例》的主管机关"},{"start":7743.921,"end":7771.942,"text":"請關心離島的發展你們不是被陸委會管但陸委會我們也會跟他溝通什麼受兩岸人民關係條例的什麼限制什麼那是另外一件事情我們這些條例的修正不是只有關乎跟踏入的關係並不是裡面包含了什麼跟您說一下您如果不了解我讓你理解一下你回去也好好的再看一下那個內容第一要落實土地正義這個公有地的這個購回金門地區地上監護祖先服務這些公有土地的購回"},{"start":7772.762,"end":7792.296,"text":"這是因為軍管時代的事情第二個提供一個治理的彈性根據特殊的地理條件鬆綁不符合離島現況的中央法規第三個要請中央來承擔責任中央要對離島的重大工程要還有維護管理由中央來專款來做你看你們那個離島經濟基金都沒有錢了對不對我們金門縣造一條金門大橋"},{"start":7797.08,"end":7822.643,"text":"大金門到小金門原來我們自己出10億說30億的時候我們出3分之1做到完的時候100億我們出了50億金門縣自己出了一半這個是中央政府應該出的錢然後現在管理也要我們管理維護也要我們自己維護什麼都是我們自己做然後你們什麼都我們自己做我們也可以接受不是說不行我們財政上可以我們都願意來努力的來自己做問題是在法令上給我們限制太多"},{"start":7823.303,"end":7834.532,"text":"金門地區需要發展金門地區的老百姓想法跟這邊有一些民進黨想法就是不一樣我們的地理位置特殊你們要把金門綁實實我們金門到底要怎麼發展"},{"start":7836.299,"end":7864.369,"text":"我想發展離島是政府一貫的政策有關於資金的支持跟法規有支持嗎離島基金條例都已經空到沒有了有支持嗎我們還是每年都有提撥相關的現在都是用各個部會說用什麼就用離島基金條例離島基金的錢對 因為離島基金本來就是一個輔導我們希望中央部會組織部會要來支持法令的支持嘛如果你們不能給我們錢請你給我們政策"},{"start":7865.441,"end":7888.39,"text":"或者請你們幫我們鬆綁 對吧我們不是天天來這邊說要錢我們要發展法規的鬆綁所以我們這些離島經濟條例的修正除了爭取地方的權益外很多是希望在法規上可以鬆綁讓金門有一個發展我們也不是天天來跟你們說你們要給我們多少錢給我們多少錢那這個離島經濟條例的修訂"},{"start":7893.118,"end":7897.325,"text":"這個是金門縣議會金門縣政府金門縣議會那天還來了過半的這個局處長都來副縣長帶隊金門縣會來了過半的議員連續的連民進黨的主委都簽在裡頭是我們金門縣議員"},{"start":7905.888,"end":7929.822,"text":"在金門這個議題是不分黨派的我想那個金門縣政府的所以你不要只聽到民進黨民進黨執政黨那一個聲音我們其實我們已經回覆給經委會了有關於各個相關部會他們相關的議題請你回去來請你回去在一個月內給我金門縣委所提出來的這個離島建設條約這個修法草案內容的建議如果沒有的話也到本席辦公室來要如果你們自己都沒辦法掌握的話"},{"start":7930.622,"end":7955.093,"text":"包括我們已經把先回給那個經委會了因為經委會要求我們那個企業的好 那你馬上就把這個東西回給我好 我們等一下馬上給委員然後國發會也麻煩既然是身為立法監測條例的主管機關我們金門的發展與你們這麼的相關也派員我們找個時間派人到金門來聽聽百姓的意見好嗎不要說這好像是陳玉珍一個人的意見那當然不是 謝謝謝謝委員好 謝謝陳委員"},{"start":7958.675,"end":7974.746,"text":"接下來我們請李燕秀委員謝謝主席我可不可以邀請金管會的彭主委請彭主委"},{"start":7977.822,"end":7984.004,"text":"主委早安因為我今天報告等一下財政部部長我也想問一下所以等一下簡答就好了我有幾個問題主委早我們現在金管會在去年12月修正了保險的招攬跟理賠的辦法過去特別是在傳統保單據銷售的投資行貨據解約金的部分我們過去是要強制錄音錄影而且要加強電訪"},{"start":8002.992,"end":8031.164,"text":"那在這個辦法這次修正之後未來保險公司可以制定脆弱客戶的評估標準包括就是說他有什麼樣心智的問題健康的狀況或教育的程度或相關的金融知識都回歸到保險業者他們自己各公司來制定辦法來做相關的判斷未來如果發生這個招攬的爭議的時候舉證的責任回歸到保險公司自己到目前為止大概是這樣"},{"start":8031.544,"end":8048.453,"text":"但是過去在這段時間我也關注到有幾個問題包括高齡金融的剝削有一些相關的案件我在網路上在群組上或在地方上也常有聽到包括有一些不肖的保險業者推銷一些保險產品"},{"start":8049.574,"end":8076.979,"text":"包括他保險的年限比壽命都還要長然後包括保險業者為賺取更多的佣金讓高齡業者以舊換買一個新的保險當然這都是看起來都好像是個案但是我們過去我想你我大家都時有所聞當然我們就不以個案去概括到整體"},{"start":8077.679,"end":8105.158,"text":"但是也因為這些相關的事情不斷的發生所以過去我們在2022年的時候我們的金管會才針對於對於強化高齡財務風險的相關保障跟控我們設定了一些控管的機制包括我們強化錄影錄音從過去的70歲我們降到65歲所以這一次的修正辦法跟過去2022年我們修正的方向事實上是有一些矛盾跟衝突"},{"start":8107,"end":8122.074,"text":"當然制度要做調整也沒有關係但是重點是我們怎麼樣把過去有發生的問題我們有沒有把配套措施想得更完整更清楚所以外界當然會有人批評說這次的修正會不會是開倒車對於高齡保護的權益是開倒車"},{"start":8125.657,"end":8144.502,"text":"是 剛剛委員其實我們這個問題我們經過非常長期深入的討論因為我想過去就是一刀切65歲不管你的狀況如何就規定要做這件事情剛剛委員也提到了你做了這件事情以後是不是就對他反正他舉證的責任就要到他身上去了"},{"start":8145.522,"end":8165.597,"text":"當然我的意思是說其實本來這是一個核保專業的問題不是年齡的問題不會說你65歲以下就隨便都可以65歲以上要加強保護這個其實這樣單以年齡做切這不符合保險的學理這不公平 對…它是一個專業核保的問題不管你幾歲你的條件不允許"},{"start":8166.597,"end":8192.446,"text":"這時候你就要必須加強保護了不是因為你的年紀的關係尤其現在高齡化社會來了其實很多65歲的人他會覺得說主委我清楚但是我回歸到各保險公司自己去訂那個標準不是他自己訂標準是說我們不會用單一的方式來解決這個問題我們就是說保險公司他自己有更好的專業去判斷他客戶適不適合的時候他把這方法告訴我如果你沒有方法你就用這個方法"},{"start":8193.146,"end":8217.823,"text":"如果你有好的方法的話你說服了我覺得已經可以保護他但是主委就是說每個保險業務員每一個人對於這些判斷的能力專業他或許不一樣有時候我擔心的是未來有可能會產生更多的相關的推這個保險過程的爭議我覺得有可能會有"},{"start":8218.263,"end":8233.818,"text":"沒事的時候沒事當發生事情的時候這個子女來去發現這個怎麼過程怎麼樣要釐清的時候就發現怎麼這個缺那個那個沒有所以這個會有很多的問題我覺得這個是我要提醒我要提醒主委怎麼去做防範我這邊跟委員"},{"start":8237.782,"end":8254.335,"text":"那主委我要提的就是說因為你們制度已經做調整了就是說未來當發生這些爭議又沒有錄音又沒有錄影的狀況的時候保險公司跟業務員要如何制正自己沒有不當的行為就是說當下我覺得我今年可能沒有到65"},{"start":8256.236,"end":8273.684,"text":"當下我現在狀況很好但是有時候年齡到斷崖式的衰老你知道嗎所以在很多的認知能力一下子就他可能是有一些狀況但不是那麼清楚所以我怎麼樣就是業務員他怎麼樣去提出更多的證據才會被金管會所採納"},{"start":8275.304,"end":8291.928,"text":"當發生爭議的時候所以這個就會有很多模糊的地帶怎麼去做判斷我想到時候你們在處理這些問題的時候你們自己可能都會很頭痛這個是我要藉今天的質詢來提醒主委的地方我覺得簡化行政程序你們一定有你們的考量我覺得當然過去的"},{"start":8295.709,"end":8317.377,"text":"程序非常反覆跟非常的琐碎所以你們有一定的政策跟利益良善但是彈性的鬆綁之後後續衍生了保險跟消費的爭議如何去做處理我覺得你們可能要明定的更清楚那個流程要那個灰色地帶怎麼去處理其實我有個認知上的差異這不是鬆綁"},{"start":8319.984,"end":8334.586,"text":"或許我用收碼這兩個字你制度去做調整但是我只是提醒你這個未來如何去做處理的時候我現在沒有到65我可能是常常忘記但我突然現在八個人裡面就有一個有失智症而且前期而且那個有時候"},{"start":8335.367,"end":8361.886,"text":"一往上的時候那個斷崖式的那個落差就會非常大以後發生這些事情的時候業務員怎麼去舉證家屬怎麼去舉證你們如何去做判斷這個太多的模糊地帶我覺得你們應該有更清楚的一些當發生這些事情你們必須要有更多的更多的方式去解決處理這是我第一個議題我覺得我希望主委你要對外說清楚講明白第一 這個也是保護"},{"start":8363.503,"end":8386.417,"text":"高齡的保護者的權益第二 對於保險公司業務員來說他有一個更清楚的依循在教育訓練上可以更清楚這是我要提醒主委的地方容我講一句話其實每家公司他有不同的核保政策他屬於哪一家公司業務員是屬於哪一家公司就有這個義務做好教育訓練跟對業務員行為責任的連帶責任"},{"start":8391.86,"end":8411.35,"text":"我知道但是主委面對人的判斷人的狀況身體教育什麼金融知識有時候都是很瞬間的這個很難去說你叫他要負責我覺得有時候就像我剛剛舉的例子我以我個人來做舉例"},{"start":8411.87,"end":8432.269,"text":"就是那個是一下子你很難去做判斷這是我要提醒您的地方主委我第二個我還是很關心我們2050年我們近年的目標我們永續我們在ESG當中我們有要求很多新的包括未來永續的報告書我們未來是強制的要去做相關的揭露"},{"start":8433.009,"end":8459.239,"text":"規範跟規定過去可能是有一些要求但未來都變成是一個義務性的規定我覺得這是好事情因為我們也準備了一段時間但是我也看到有幾個相關的問題當然我們ESC裡面我們規範得更清楚包括譬如說以食品業者來說他就必須要有會計師的準則公報進行相關的驗證的一些意見書要求在裡頭"},{"start":8460.299,"end":8479.609,"text":"那2023年我們更擴大要有第三方驗證的相關的報告書那這個產業的範圍我們要求擴大到化學工業金融保險業那這個部分我們為了就是說防範企業的票率我們做了第三方驗證的要求那我們這第三方驗證的要求規劃的時間點是什麼時候要全面的推"},{"start":8488.062,"end":8511.539,"text":"這個部分因為牽涉到很多的內容我可以請我們那個沒關係主委因為我今天時間也不多你就直接告訴我就是說你們目前規劃的期程跟時程跟那個里程大概是一個什麼樣的方向我們現在邏輯上都以那個資本的大小來決定這個還有金融業優先先行高污染先行再來就是我們對範疇三的部分因為這牽涉到比較複雜我們給你更長的調適期間大概是這個邏輯"},{"start":8515.962,"end":8540.351,"text":"主委你既然提到範疇三範疇三是最複雜的部分第一範疇一很單純直接排放第二範疇二是能源間接的排放範疇三其實就是包括很多業者他是在就是說它的涵蓋的計算度就是碳的排放量計算度其實有它的困難度譬如說在不動產業跟不動產的租賃業它的排碳歸屬"},{"start":8544.492,"end":8560.57,"text":"計算方式非常複雜包括每一戶的用水用電交通的習慣不一樣這個怎麼去做計算所以你們現在給他再做一些準備的時間包括做人員教育訓練包括相關的系統整理等等"},{"start":8561.551,"end":8588.821,"text":"那我就要請問主委就是說未來除了你給他準備的時間在措施上我們怎麼樣輔導他們就像一個不動產業者或不動產租賃業者針對這麼複雜的計算方式我們怎麼樣去協助他們去把它算出來其實跟我們報告其實我們因為上市櫃公司我們交易所都有提供這樣的一個相關的這些服務跟一些工具來協助他們對不對對"},{"start":8591.092,"end":8596.685,"text":"我覺得要不定時的對他們辦公聽會我最後一句話就好沒關係 我最後一句話就好我請財政部部長"},{"start":8599.761,"end":8620.179,"text":"部長我前兩天問GMT我前兩天問GMT你應該很清楚是什麼當然這跟今天的主題也有關係因為其他國家比如說新加坡對於GMT他要求15%他都有相關的配套措施退稅啦輔導然後把或者是輔導說這些退稅部分或政策獎勵然後回歸到國內"},{"start":8622.341,"end":8642.413,"text":"分散投資因為我們現在台灣最大的問題是全部都在半導體金融我們傳產業各方面我們也希望擴及到其他的層面上所以這個政策我覺得不急但是我覺得要想清楚再來做相關的配套措施要想清楚再來做否則後續影響的效益會非常大"},{"start":8642.853,"end":8672.425,"text":"特別是上市商櫃公司我們現在要求15%而且要追溯上市商櫃公司在去年財報都已經關上了你明年你現在都還沒出來你說要追溯到去年這個怎麼去做處理然後配套措施怎麼去做處理我們要留住這些我們的護國群山我覺得要想清楚再來處理再來做相關的配套措施我覺得也要跟這36家上市商櫃公司溝通得更完整更清楚"},{"start":8672.645,"end":8696.307,"text":"你的配套措施是什麼那我們鼓勵多元的投資而不是只有單一而不是只有他的子公司再投資我覺得可能都要有不同的方向然後及早對他們做相關的溝通兩邊都是包括今晚會主委包括您這邊因為那天阮市長沒有很明確的回覆我所以我希望您這邊做更完整的跟他們做相關的溝通"},{"start":8698.07,"end":8710.674,"text":"是 謝謝委員我想這個部分我們會做這樣的處理是好 謝謝謝謝李委員接下來我們請林思敏召委等一下在本席結束質詢之後我們休息10分鐘謝謝主席我先請我們國發會高副主委請高副主委"},{"start":8729.778,"end":8754.61,"text":"委員好副主委早副主委這個政府啟動了兆元投資國家發展方案這樣一個重大的一個政策號稱要引導民間資金投資國家建設以及策略性的產業有三大策略創新促進的機制優化投融的融資條件增加相關的金融商品"},{"start":8755.683,"end":8778.792,"text":"所以我首先要請教副主委你們的兆元投資方案現在推動已經一年多了三大策略到底帶來多少的實質投資有沒有統計有跟委員報告一下比如說我們的那個初餐的專案裡面大概今年簽約的大概會有3300億元然後我們那個永續債的相關的發行也到2000多億"},{"start":8785.374,"end":8809.913,"text":"兩千九百多億然後呢其實我們還鬆綁了相關的一些法令的規範比如說是我們希望工建型PE跟VC他們可以那個我們降低他的RVC然後我們也請各主管機關主動含釋公共建設屬於策略性產業的比如說AI算力中心啊節人等等他可以適用比較好的"},{"start":8810.553,"end":8836.366,"text":"這些風險係數可是它引發多少投資那個我們就沒有在做估算然後我們國家融資訪生機制有6成提高到8成也增加了很多的綠能的投資的案件等等的我想我們這個方案其實最重要的精神在於我們要創新新的機制因為走老的路到不了新的地方所以我們希望透過"},{"start":8837.846,"end":8854.14,"text":"機制的創新 法規的鬆綁等等的我們引導我們的國內的這些奏弦樂樂資金政策的指向我們非常清楚是我是了解這一年內你推出之後剛才你講到說簽約金有3300億大概就是150件對不對是150件對"},{"start":8860.845,"end":8885.441,"text":"我想這個你剛才提到說有這個整個這個整個到底是新增的從計劃源頭擴增新案源 擴增案源到這個從去年就從去年到現在為止政府主動促成的私人參與公共建設的案件中新增案源的占比大概是多少 你有沒有統計"},{"start":8886.679,"end":8911.016,"text":"我想等一下會請財政部我跟委員報告就是說其實我們一個案源就是從起到真正簽約其實是要有一個時間的落差的所以我們現在最重要的事情我們有一個叫指標型的專案譬如說我們以後規定所有的再生水跟海淡廠都一定要走促餐這個大概有800多億"},{"start":8912.617,"end":8930.862,"text":"然後我們現在在推很多的社會住宅現在都還在規劃當中我們以後會有一個大型的社會住宅的方式然後還有長照機構 還有文教設施那些還有數位建設其實我們都是在陸續盤點當中如果委員有興趣的話還在陸續盤點 還沒有完全揭露就是在規劃的過程中間我想副主委適時的揭露讓我們更了解我們整個投資的一個"},{"start":8941.845,"end":8964.281,"text":"就是這個策略要執行的一個成效我覺得你要適時的一次一個揭露我想這個政府的期望是引致回流我們從國外的資金回到我們台灣投資公共建設這是政府的一個期望那目前有沒有量化或可追蹤的數據顯示資金回流的規模是多少"},{"start":8965.66,"end":8987.515,"text":"大概因為如果是金管會的話他們有他們的那個如果是金融業的話我們就可以從金管會裡面的那個金融業投資專案的那個金額裡面去了解那還有其他的面向比如說我們造園我們的部主委"},{"start":8988.155,"end":9016.74,"text":"投資台灣三大方案我的問題很清楚就是你們我要了解整個統計的數字到底你現在外資引資回流它的目前現在來投入你這個策略性的方案大概是多少的比例我看你我知道我說的第一個你跟我回答這個問題就好了我第一個就是剛剛其實彭主委有講到就是它投資在就是收錢資金從國外投資的比重它規模大概是多少你們沒有統計"},{"start":9018.12,"end":9029.003,"text":"我們基本上就是我們只有統計所以我剛一直強調希望你們要揭露到底它成效怎麼樣你們還是要揭露出來我們有促參的 有金融商品的希望你們技術相關的統計數字能夠做出來我想我們政府現在一直強調策略性產業就是希望透過優惠投融資的條件把資金導向AI算力中心 綠能 光電健康醫療 數位基礎建設等產業"},{"start":9046.787,"end":9075.373,"text":"行政院也要求各部會釋出具公共建設性的策略性產業類別但重點在哪裡你可以具體告訴我嗎最重要就是你的重點在哪裡重點在於我們希望透過一些優惠的提高投資限額的鬆綁讓受研協資金更容易投資在我們希望他投入的這些策略性產業還有公共建設的範疇是"},{"start":9077.033,"end":9093.544,"text":"我們就提高受險業投資的誘因面向主委 我要問你這個問題我是想問你到底你們現在操作的策略性產業它的具體的一個名單產業名單以及適用的標準到底是哪幾個產業"},{"start":9094.845,"end":9119.808,"text":"如果金融機構根本不知道說你是哪個標準可以適用優惠條件對金融市場而言最怕的就是你的定義模糊你的標準不清到底要對哪幾個策略性的產業是我們要去希望投資進去的所以這些產業的名單你要很清楚的告訴我們金融市場"},{"start":9121.27,"end":9136.868,"text":"我想我们会跟金管会合作因为基本上就是五大信贷产业这些名单与适用的标准能够很明确的如列出来好不好好 没问题副主委你请回好 谢谢现在请金管会彭主委请彭主委"},{"start":9139.52,"end":9164.615,"text":"主委 你好你們在配合兆元投資方案的第二大策略裡面做出投融條件投融資條件的優化放寬尤其對保險業要透過私募股權的PE及創投的VC投資公共建設的風險係數具體可降到1.28%而且透過PE VC可間接投資策略性的產業"},{"start":9167.816,"end":9189.761,"text":"這項鬆綁已經正式發布並令事已經實施了對不對 對都實施了但根據金管會截至今年6月國內保險業可運用資金大概是32.5兆對不對 對 是但其中專案運用於公共投資的實際金額大概只有1500億 是的差不多 1600多億大概1500億左右"},{"start":9193.162,"end":9218.999,"text":"這個是否顯示說我們儘管誘因的政策已經施行但是真正進入我們特定的公共建設的這些投資的金額的資金就進入這些策略性產業的資金仍然很少 仍然偏低你有鬆綁這些法規 這些投資的標的他們在評估這個案子不會這麼快但是我們現在等於制度要先行"},{"start":9220.599,"end":9247.35,"text":"這個是我們也是剛剛才鬆綁這些規定那我們也是在試試看假設這1.28是否能夠讓他們真的有這個評估以及開始有個案出現那我們也是在制度上我們先做一個這樣處理還有就是剛剛也有委員提到我們針對未來工建或投資這個範圍我們希望把它可投資的範圍加大來宣示一個政策發展的方向"},{"start":9247.79,"end":9260.195,"text":"主委你有沒有統計過這個離當初政策設計投資的誘因他的目標差距有多大目前只有1500億左右跟你當初設計的這個目標差距有多大你們有沒有統計過"},{"start":9261.266,"end":9285.459,"text":"就是我們當然希望這越多越好因為這優關到我們整個整個放寬我們看到還是好像這個優因並沒有真正吸引到我們的這些受選業者去投資這是一個整體的問題我說這是一個市場我們所能影響的是買方的市場我們可以提高他的意願但是他市場上還是要有適合的標的所以這標的就各個部會正在努力不管國發會 財政部"},{"start":9287.16,"end":9309.455,"text":"投資標的沒有很明顯我剛才講你的清單投資的清單如果不是很清楚的話整個這些受選業者他怎麼敢去貿然投資呢對 所以我們在我們這邊可以來處理的這個部分的障礙我們先把它消除所以我們也要跟跨部會來全力來協作看能不能提供更多有利於他投資的這個機會"},{"start":9310.816,"end":9332.117,"text":"好 希望你們努力是 一定的我再去請問一下今年受險業將正式接軌國際財務報導準則第17號的保險合約就是IFRS17以及新一代的清償能力制度那對於引導受險業投入公共建設會有任何財務上的影響嗎"},{"start":9333.378,"end":9345.786,"text":"有關IFRS17的部分這倒沒有很具體但是我們的TIS新的制度的話我覺得這一部分我們在未來政策上面會針對這一塊會來加大力道"},{"start":9349.291,"end":9365.823,"text":"最後我想又回到我們剛剛的問題就是說你現在放寬風險係數這個是一個硬性的誘因但是金融機構實際上在做投資決策時遇到的是風險 報酬 現金流等實務層面的一個評估"},{"start":9366.904,"end":9390.916,"text":"所以金管會你有沒有評估過這個這項鬆綁是真正就是風險係數的鬆綁是真正能夠提升市場的參與意願有沒有做任何投資意願數據的一個調查其實我們在不管是全世界實施RBC制度的國家任何一個RBC係數絕對是他們投資上非常重要的基礎參考依據這是他們整個經營成本"},{"start":9392.637,"end":9419.995,"text":"這個一定會有影響但是最重要的是標的本身我最後問你一個問題所以你預計今年保險資金投入公共建設的比例要提高到多少我們當然希望它能夠長遠越多越好預估多少還沒有這個是牽涉他們投資意願還有各家投資的成本我們只能政策上先鼓勵大概是這樣做好 希望你加油當然 謝謝 謝謝委員謝謝李世民在位接下來我們請羅明采委員"},{"start":9430.888,"end":9453.935,"text":"主席 各位出列的習慣人員大家早安主席可否請讓股市上兩萬點接著也上三萬點的彭金榮 彭主委還有財政部莊部長還有國發會高副主委請彭主委 莊部長還有高副主委委員好"},{"start":9456.926,"end":9476.35,"text":"洪主委你好台灣就有兩隻龍一個是楊青龍 一個是彭青龍雙龍飛舞 股市上萬點看到兩萬點現在已經到了三萬點了主委 這個三萬點到底站得住 站不住"},{"start":9477.864,"end":9504.838,"text":"我想我也很清楚金管會不會對未來的股市做這樣的預測當然我們還是一樣就是我們的資本市場遲早都要反映我們的基本面那你看一下今年的經濟成長率你對台灣未來經濟的發展有沒有信心其實我一直對台灣經濟發展很有信心但是充滿了挑戰跟我們非常困難的問題要解決"},{"start":9506.331,"end":9515.343,"text":"所以你看現在的台股已經破三萬點了這個是常態還是偶發性的出現"},{"start":9518.52,"end":9547.105,"text":"這個既然是創新高那當然就是現在看到的狀態我們資本市場永遠無法做一個所謂的你能夠做一個準確的預期它本質上就是反映所有全球包括國內所有資訊的總和那這個部分我們對未來這只能藉剩恐懼我們要做好所有因應的措施我們看到現在整個大盤大概是80%集中在半導體以及AI的周邊"},{"start":9548.362,"end":9569.078,"text":"政府也在這個裡面國發基金也推出了AI的十大建設那不是代表政府全面在做多AI相關周邊以及半導體嗎我想我也非常清楚像這個因為台灣不能夠"},{"start":9570.584,"end":9594.379,"text":"獨外於全球整個的趨勢跟影響剛才講這個東西是全球在主要經濟體大概都一樣面臨到這樣一個趨勢的選擇跟市場上的判斷所以主委你還是看好AI囉我剛才講說我個人來看的話因為我不是這個專業那我只是說 那專業是誰這AI的專業很多啦但至少多數 國發會不會"},{"start":9596.716,"end":9613.742,"text":"國家發展委員會 這個算是專業了我請一下高副主委你們在整個未來的發展我看到你們持續還是重壓半導體以及AI周邊的相關公司這是世界的一個趨勢潮流嗎"},{"start":9618.287,"end":9643.558,"text":"我跟委員報告AI絕對是各個國家國力競爭的要素之一很重要我們AI新十大建設裡面其實我們除了要確保台灣的核心的AI的競爭的技術面以外其實很重要一個是創新運用這一塊所以我們創新運用這一塊其實我們是希望透過創新運用帶動百工百業的"},{"start":9644.398,"end":9646.719,"text":"產業轉型跟升級尤其是傳產跟中小企業所以並不是獨厚所有的AI或者是半導體產業那這個有沒有包括算力中心"},{"start":9657.591,"end":9680.416,"text":"我想算力中心是AI的基礎建設是每個國家一定就是說算力會變成每個國家的一個基礎的建設不准 你也不要怕因為台灣就是重壓半導體所以現在台灣的人均GDP已經超越南韓了大概明年也要超越日本 今年"},{"start":9681.436,"end":9689.259,"text":"馬上要超越日本為什麼 原因沒有其他嘛這個就是一個時代的潮流跟未來的一個趨勢我覺得與其說我們重壓還不如說我們在AI的創新運用的這個國際的競賽的賽道上我們站到一個很關鍵性不可或缺的地位"},{"start":9699.603,"end":9714.106,"text":"你不要怕 你就是支持他就對因為Jensen Huang黃仁勳也是來自台灣台灣幫助台灣人這有什麼害怕的對的事情就堅持那既然往這個方向發展"},{"start":9714.927,"end":9741.515,"text":"请问今年的经济成长率大概你们预估是多少今年根据主技术预估大概是3.5次那ADB有到4%左右那这个成绩其实还不错你们太保守了因为去年我们是7.37对去年的年初的时候就是换到前年年底左右你们预估只有3点多而已结果去年出来的成绩是7.35"},{"start":9743.345,"end":9769.724,"text":"那个报告委员你的数据有点低估另外再请教一下国发基金里面现在有没有持股台积电当然有比例多少6点多6点多对6%多6点那就是有36兆多了是不是就是按照它市值来算的话3兆多3 4兆的股票的市值那面对现在的情况"},{"start":9770.68,"end":9797.54,"text":"那你们会不会卖因为股价已经很高了会不会卖股票我们最近我们很多年都没有出脱台积电的股票很多年是因为那时候五百块开始起涨你那时候当然不会卖因为那个投信工会理事长张喜从五百块一直喊喊到一千多块还在喊就证明他是对的所以你们当初我一直逼迫你们就说你们到底要不要卖"},{"start":9798.32,"end":9824.819,"text":"還好你們那時候聽了本席的建議一張都沒賣現在本席還是繼續要請問你因為台積電之於台灣未來經濟的發展還是相當的重要所以你們手上台積電的股票會不會賣我們國發基金持股不以獲利為目的所以會不會賣所以我們會秉持我們覺得我們需不需要持有這個台灣的策略性產業的思考的範疇來決定我們"},{"start":9827.372,"end":9853.277,"text":"我們會不會有相關的矢股的行為那需不需要繼續掌控這樣的一個核心的價值跟技術那個委員你覺得呢很需要啊對很需要所以你就不會賣就對了我剛才說過我剛才我們的處理的原則是當然小心不要台積電最後淪落變成是美國的附庸因為矢股最多還是外資是不是這樣"},{"start":9855.187,"end":9866.638,"text":"目前是可是它不是單一的那個大概都是Pension Fund那些等等的它不是如果是單一投資人的話我想國發基金還是最大因為我們有這樣的一個基礎我最要恭喜的就是財政部莊部長每天笑嘻嘻今天都開心部長你知道現在日均量"},{"start":9880.131,"end":9900.186,"text":"大概已經破紀錄一天成交八千億我們在場的證券交易所林董事長等一下一起上來一下你也是福星福將上去我看你也都是運籌帷幄笑裡談兵隨便都是破紀錄來 部長"},{"start":9902.574,"end":9922.305,"text":"如果每天日均量都是8000億那請問你們8000億你們一天大概政府的證交稅抽了多少錢這個可能要算一下來 旁邊算一下是千分之三嘛 8000億嘛 三八二四當充是20幾億吧"},{"start":9925.108,"end":9952.316,"text":"還有當沖降稅我的當沖降稅減半現在當沖的部分大概市場裡面佔了百分之多少的比例上次我們算大概40%那你扣掉你就政府只要這個股市一開張你就輕輕鬆鬆落在21是吧那預估今年的增交稅大概會預算會有多少"},{"start":9953.867,"end":9962.303,"text":"你说1145年还是114今年是115年因为去年已经过了而且去年我们全部的税收又超增"},{"start":9964.608,"end":9988.983,"text":"2014年的目前来说我们要等到12月整个结算以后才知道那目前来说到11月底为止因为只有达成预算数的94.6%那我们会等到12月底可是12月表现也不错啊12月底当然是证交税那部长你看面对现在证交税这个今年度你大概编多少"},{"start":9990.58,"end":10011.444,"text":"什麼 對不起證交稅 115年的證交稅因為還沒有經過大院的審議你現在送來的資料是要多少我們的預算案數的證交稅是2501億你又低估了如果以日均量8000億來算的話那你一年的預估是多少"},{"start":10012.044,"end":10039.139,"text":"我們基本上我們會用整年的一個平均數來計算這個證交稅那當然我們在編的時候事實上是在今年譬如說14年再編15年的時候大概在四五月就開始做籌編事實上很難去預估說15年整體的證交稅日均量的平均量是會是多少那大概都好 我們把這個市場把餅做大我們也歡迎很多海外的資金可以進來投資那"},{"start":10041.823,"end":10045.845,"text":"最後再問一個問題普發現金現在進度怎麼樣全部都領到了嗎普發現金目前已經領取的超過人數已經超過2170萬人了大概是92.22%的人都已經領取了面對這次的普發現金整個作業流程部長你滿不滿意"},{"start":10065.704,"end":10094.879,"text":"普發現金因為我們採取多元的管道方式目前來說都算順暢其實這一次普發現金的民調大家普遍都是按讚這個對財政部是一種嘉獎跟激勵謝謝委員我們也希望說今年如果稅收超增的話有這樣的一個經驗的話立刻再補辦一次再來辦一次普發現金也許不到一萬六千塊也可以部長你說好不好"},{"start":10095.78,"end":10106.651,"text":"委員今年的整個稅收跟預算數之間的差距我們會等到12月底的數字出來以後大概會有一個明確的一個數字好 謝謝因為證交所董事長來講幾句話好了"},{"start":10110.151,"end":10131.361,"text":"股市三萬點台灣經濟有亮點那請問一下林董事長你對現在整個台灣的這個股市這樣會不會過熱或者這只是新年的第一個起步而已因為馬年又到了啊馬年到萬馬奔騰有沒有信心沒有 按一下這主要我們的"},{"start":10139.299,"end":10162.131,"text":"這個上市公司的基本面都非常好所以我們基本上我們還是還滿審慎熱觀的現在已經有32個千斤股了這個正不正常這個都是市場的機制的反應這個我想跟全世界的脈動我想台灣證券交易所現在跟全世界脈動真的都非常的緊密相關"},{"start":10164.333,"end":10174.198,"text":"好好謝謝繼續努力了好謝謝我看你是福星福將兩萬三萬點一直破謝謝有沒有機會到四萬點好謝謝盧委員接著請李坤臣李昭偉好謝謝主席我們請彭主委"},{"start":10195.154,"end":10195.501,"text":"評判主委"},{"start":10199.013,"end":10220.231,"text":"主委好美國川普總統他打擊毒品恐怖主義為由逮捕了委內瑞拉總統馬杜洛其實剛剛也有委員提到就是說我們現在有三大受險監控公司在哥倫比亞的曝險總共高達533億包含465億的政府公債還有68億的食原公司債"},{"start":10227.496,"end":10250.225,"text":"現在匯率它已經對於個人比亞的主權性平從BB Plus下降到BB然後對於石油公司債的信用平等也下調至BB所以基本上不論是主權或是說屬於石油公司債都是屬於垃圾的債券請問一下我剛才看了一下資料"},{"start":10251.205,"end":10266.449,"text":"這個三大金控公司包含國泰 富邦 中國信託他們分別擁有哥倫比亞政府的公債其中國泰跟中信他們還有擁有石油公司債所以加起來是500"},{"start":10272.491,"end":10290.02,"text":"530幾億剛剛還有提到說南山人壽還有是不是還有其他的這一個不管是壽險公司或是金控公司都還有嗎我們剛才也有統計過就是我們金融三業裡面銀行業跟正期保險所有加起來大概1538億這麼多"},{"start":10293.246,"end":10322.626,"text":"就剛才差不多保險業1385億加上銀行業140幾億總共是1538億所以總共是1538億當然也有提到說各種的投資債券屬性不一樣而且這次的情況比如說這次是委內瑞拉 哥倫比亞還是一個大家預期中並沒有發生什麼事跟俄羅斯是因為戰爭被國際制裁也很大的不同接下來有可能"},{"start":10323.666,"end":10337.736,"text":"也有可能是哥倫比亞我的意思是說這些受險金控他們去投資這一些我們所認為的非民主的國家這個有沒有違反到ESG的原則"},{"start":10338.986,"end":10359.773,"text":"其實這個部分因為它都根據我們現行的一些的投資規範比如說按照投資等級跟性平還有就是他們的上限比例來去做投資我想所以主委認為說投資這一些所謂的第三星星的非民主的國家然後他們或許他們的這個利率比較高然後收益比較高所以去投資是OK的嗎"},{"start":10360.693,"end":10387.046,"text":"現行的規定我們這樣我們剛剛委員也有提出假設說整個環境或者我們隨時也都可以來做制度上的檢討就是比如說我覺得要去檢討一下因為你說從之前南非到俄羅斯到現在委內瑞拉可能比較可能是下一個我們不知道是下一個的這種國家是誰但是為什麼我們這些受選公司都寧願去投資這一些第三進行國家不願意來投資台灣的這一個"},{"start":10387.866,"end":10409.79,"text":"國內的建設你剛才講這個投資它已經是全球佈局所以各位看它金額很大但占我們總體資金的比例還是不到1%甚至更連百分之對 那個業別連百分之1.1都沒到我是說它全球佈局裡面就像說如果它整體來講的話對 全球佈局它的這一個佈局的機會也很多那為什麼就是要投資在這些國家裡面"},{"start":10410.23,"end":10439.346,"text":"就像我們買全球的共榮基金一樣它在各個地方會根據他們自己的投資策略去配置還要符合規定我想我們每個個案都是一個很好的教材我們就才會知道說原來有這個問題因為可能他們當初幾年前購買這時候也沒有這個問題但是後來慢慢演出金管會議要不要去檢視一下說這一些公司他們對於新興市場的分散度"},{"start":10441.087,"end":10464.003,"text":"其實我們以前大概都有做這個區分不管這個都有那只是說每次的狀況就不一樣我剛才講我們的制度是動態的會隨著環境而改變風險是動態的我們當然剛剛也有委員提到我們也會回去好好檢視這部分比如一些投資等級投資比例或是甚至風險係數我們都可以做一個全面式的來檢視我覺得再去做個檢討了好不好"},{"start":10465.504,"end":10483.749,"text":"然後你們從今年開始對於壽險業的匯率會計制度做調整其實去年底有辦了公聽會然後現在就是說對於AC向下的債券投資部位可採攤銷法來做處理我今天有看到一個報導中華信品他們講說這個新制對於壽險業來講"},{"start":10487.15,"end":10511.68,"text":"有機會也有挑戰他可以大幅降低避險成本他說每年可省下約900億這個數字主委來講是正確的嗎900億是受選工會預估因為這個東西是會取決於各家公司他們對他資產的一些的認定跟會計準則但是避險成本一定會下降應該是會有預期的下降大概下降你預期大概下降會有多少"},{"start":10511.82,"end":10541.42,"text":"每家的投資配置不一樣剛才就我們初步他們的預估是說大概是900到1000左右但是剛才那個比如說中華信品講的就是說他用一個很粗略的概念就是說他預期未來會達到一個避險比率他就把你曝險把它減除就會增加這個但其實假設如果真的很熟悉整個保險業的他所謂的被避險標的屬性的話在財務上面他在所謂的合理的避險比率其實上有一個比較嚴謹的算法不是用這個方式來算的"},{"start":10542.861,"end":10554.172,"text":"就是主委也同意說並且成本有下降然後那下降這些成本現在怎麼去做處理現在的話我們也對外說明就是我們會有一個強化它未來體質因應結構性匯率風險的方案"},{"start":10557.174,"end":10575.621,"text":"這部分當然就是我們會我們對外說明就是說我們會每年按照一個方法要求他們擬製的避險節省要提列相關的負債準備或是權益準備用這種方式再積累在資產面上去作為未來因應結構性風險的資用那我是說這些錢"},{"start":10579.622,"end":10595.989,"text":"避險成本下降的這些錢可以要求他們回來台灣再做投資嗎這個就等於是限制資產的直播這是另外一回事那我們講說強化資本跟資產直播是兩回事當然我們要求就是我們未來會要求保險業去扭轉它的"},{"start":10597.67,"end":10613.942,"text":"這個資產負債不匹配的狀況這自然就會產生剛才委員提到這個效果因為我們今天的題目就是在於說你看壽險業有這麼多的資金那都在這一個海外我剛才也提到說總施展是37兆其中有22兆是在海外投資對"},{"start":10615.523,"end":10644.139,"text":"我看了一下這個央行的統計我們在去年的5月這個壽險的海外的資產跌到20.46但是從5月之後不斷的攀升奇怪了那為什麼一直對海外投資會一直增加到了11月來到21.92兆快突破22兆了我們不是一直希望說我們這些壽險公司本來在海外投資希望他們能夠回到台灣"},{"start":10644.799,"end":10664.786,"text":"結果這對台灣的投資沒有增加對海外投資反而增加了沒有 它資產是這樣就是你可以看得到其實像保險業最大的收益除了它過去的已經收到的保費它每年都會收到續期的保費不是 我的意思是說就是我們對於受險業要求他們回來台灣的投資的績效不明顯"},{"start":10666.026,"end":10680.853,"text":"當然我們剛才已經講過很多就是我們政策都非常明確大家政策很明確那為什麼回來的不多是台灣沒有什麼好投資的嗎這個我覺得是其中的一個關鍵就是說買方這邊的障礙應該是台灣沒有什麼好投資的是誰的問題"},{"start":10681.693,"end":10700.871,"text":"沒有 我想是我們整個整個比如說我們的案源 公件這個除了剛剛講投資公件是一個案源以外比如包括像很多保險在國內自己尋找他自己國內的投資標的因為我們除了投公件以外我們要投資把那個投資標的那是我們的公件的目的還不夠多標的物還不夠多因為"},{"start":10701.431,"end":10729.41,"text":"其實我們過去來看不是說能夠投資的比例還不夠多還是誘因不夠多因為總是這兩年來受險業他們就是不回來他寧願去投資海外這些垃圾債券他是個比較利益的概念假設我今天來講我錢進來馬上就有成本我成本之後還要等到一個但是我們作為主管機關我們當然希望說他是回來台灣投資所以我們要給他這一個比較誘因上面認為說回來台灣投資對他們是有利的"},{"start":10729.91,"end":10759.051,"text":"應該是這樣做的大家都積極在做這部分我想我們也不斷的去跟保險業講說你的風險在於你資產負債不匹配所以我剛才也跟委員報告過就是我們也看到其實我們的保險業的那個國外投資特別受險業國外投資的比率現在已經跌破六成了就是比前一年少了2點多%我想這是好現象我想這部分代表說我們但是海外投資的比例還是持續增加"},{"start":10759.811,"end":10774.805,"text":"沒有下降他在海外像比如他們的投資是固定收益配置他現在去出售的話基本上他有他一定的期間跟他比如說他當時投資的目的好 沒關係這個最後一點時間我問一下這個政交所林董事長"},{"start":10775.706,"end":10795.862,"text":"因為也有看到這一個新聞就是說你有所謂的價值提升計畫其實你也看到了就是說其實現在台灣的股市在漲大部分是台積電的貢獻所以我說它是一個人的武林就是它一個人去年大盤漲了大概快6000點它大概就占了一半以上"},{"start":10796.903,"end":10810.477,"text":"那你這個所謂的價值提升計畫是說除了高科技 AI 產業之外你要對哪一些產業你認為說它本來有這個價值但是我們在市場上沒有彰顯出來這個價值那你要用什麼方法去彰顯它的價值出來"},{"start":10811.845,"end":10839.417,"text":"這個部分來講的話我們是希望我們的這些上市公司能夠自願的營造就是說讓這些他們著重在中長期的這些計畫能夠讓投資人包括投資機構都能夠看得見甚至於被投資我想這個是跟對 到底是就是非AI高科技的產業嗎對 包括AI也都全部就是全部的上市公司都適用的"},{"start":10839.577,"end":10854.487,"text":"那AI現在已經發展得很好了他們當然 這個就是一種選擇但是我們最重要的是創造這個氛圍讓大家針對於中長期的這些營運計畫能夠讓投資者去購買那你總是也有標的物也不可能沒有標的物基本上來講的話我們還是"},{"start":10860.547,"end":10879.237,"text":"比如說這傳產那還是受關稅影響的那還是說什麼樣的基本上來講我們不會有特定的標的物我們是鼓勵一個混為就是說我們的全體的上市公司在這個資本市場平台裡面能夠讓他們有一些對於中長期的一些計畫然後這些計畫能夠對他的價值能夠提升"},{"start":10884.264,"end":10889.025,"text":"那這些投資者也因為了解這些計畫以後包括投資機構跟投資者能夠參與他們的一些投資的行動那你要用什麼方式來讓他凸顯出來你是用ETF還是用什麼樣的方式我們基本上來講的話就是我們會有一個專區會拿他公告然後我們也會安排更多的活動"},{"start":10907.469,"end":10922.824,"text":"去讓一些投資機構能夠去了解這些他們的未來的一些所以就是去推銷這一些對 推銷這一些具有市場價值但是沒有被發現的對 而且是自發性的這個是報名牌嗎沒有 這自發性的這個基本上來講的話就是自發性的對於產數"},{"start":10930.731,"end":10951.425,"text":"我的公司的經營我們加強的是上市公司跟投資者的溝通我想這是很重要的那這個計畫大概哪時候會提出來基本上來講我們在去年就已經開始進行了我們現在也大概有400多家在已經有提出來但是我們現在是1.0我們現在已經在著重在2.0那2.0的部分來講的話我們事實上也拜訪了很多外資機構跟投資機構他們對於上市公司的"},{"start":10960.03,"end":10982.801,"text":"希望看到的這些計畫的 criteria我們會提供一些範例給這些公司讓他們能夠更能夠對準這些投資機構他們希望看到這些公司怎麼去present他自己我想這個是類似IR的一種溝通然後來提升這個投資機構那這個你意思是說我們有一個專區會凸顯出來說這些是"},{"start":10985.975,"end":11004.297,"text":"這個價值沒有被看見的股票嗎是這樣子嗎事實上是這樣子所以這個專區哪時候會出來基本上我們現在已經有了我們現在是2.0就內容的部分我們還會再去鼓勵更多的上市公司能夠在針對內容的部分更合乎"},{"start":11005.024,"end":11025.799,"text":"這些國際型那你這樣看起來1.0已經實施了是不是對 我們是1.0實施了那看起來效果不是很出現跟委員報告因為我們都還是集中在高科技沒有 跟委員報告這個是一個長期文化的一個塑造像日本的它的Value Up它也推了三四年我覺得這個部分來講我覺得是一個革新"},{"start":11029.661,"end":11043.61,"text":"一個制度上的一個革新我是希望說就是說我們產業的發展要均衡啦因為現在有點像是都是往高科技那邊去發展那其實我們都很多純能產業是受到很大的影響啦好不好好 謝謝好 謝謝好 謝謝委員好 謝謝 請回好 我們現在休息十分鐘"},{"start":11178.352,"end":11179.457,"text":"那個熱點燒好了"},{"start":11670.757,"end":11674.68,"text":"哈囉 我們要開會囉請大家各就各位這個彭主委咧沒關係 我們等他一下他是今天的主角"},{"start":11701.892,"end":11703.134,"text":"好 都到齊了嗎好 都在好 那我們現在繼續開會接下來我們請下一位黃國昌委員"},{"start":11726.612,"end":11754.149,"text":"謝謝主席 麻煩有請監管會的主委然後財政部國有財政署來 請捧主委請曾署長文豪主委好我想金融機構不要說承擔一定的社會責任最基本的法律責任都要遵守"},{"start":11755.273,"end":11784.282,"text":"如果金融機構連最基本的法律責任都不遵守甚至是我們的公股行庫帶頭在侵害保護的權益就讓人非常的震驚了台灣銀行的台銀人壽他們滿會做廣告的說信賴跨世代要當保護最堅強的靠山"},{"start":11786.847,"end":11802.912,"text":"還舉辦迎戰癌症海嘯癌症關懷健康公益講座似乎是非常關心保護罹癌的權益但事實上呢但事實上針對有關於團體保險的保護"},{"start":11806.809,"end":11825.078,"text":"他們竟然在發現他因罹癌就醫的時候保護團體保險要辦續保台銀人壽就不予續保來請教一下主委啊台銀人壽有不續保的權利嗎"},{"start":11826.509,"end":11840.738,"text":"這要看他契約條款的內容團體保險對 一樣要看他契約條款內容的約定如果他一年期的話那就是一年期的保單然後他可以不續保嗎那就要看他的條款上有沒有規定說保證續保要有規定保證續保"},{"start":11844.465,"end":11870.306,"text":"他如果沒有規定保證續保他就有不續保的權利你的看法是這樣嗎沒有還有就團體保險本身如果說他對於這個承保的被團體的被保險人他有篩選的權利的話他確實是可以他應該有篩選的權利嗎這個就條款上應該是有可以做這個篩選來來來看看看你自己要熟啦"},{"start":11871.72,"end":11897.654,"text":"團體保險被保險人疑似離來就醫招台銀人壽部與續保品義中心就直接打臉了台銀人壽沒有對個別保險人表示不同意續保的權利為什麼是這個樣子保險公司在承保這種公司員工團體保險的時候他只會就被保險人是否確為藥保單位員工疑似為審核"},{"start":11899.221,"end":11913.582,"text":"他不會針對個別保險人的狀況進行核保也不得單獨拒絕或同意個別保險人投保這不是團體保險的性質嗎我想這個真的是還要看企業條款的約定"},{"start":11915.461,"end":11942.567,"text":"對 很抱歉委員我今天沒有看到企業條款這個我今天第一天看到沒有關係啊這個跟金管會絕對有關係啊為什麼跟金管會絕對有關係啊這件事情已經投訴到金管會去了這件事情已經投訴到金管會去了台銀人壽是一而再再而三明知故犯我為什麼說一而再再而三啊明知故犯還不是只有這個個案"},{"start":11947.185,"end":11966.193,"text":"到2022年的時候繼續做這樣的事情評議中心再度打臉就跟你講你不能夠針對這件事情拒絕人家續保這件事情被害人被害人還不少"},{"start":11967.287,"end":11992.958,"text":"被害人還不少甚至有很多都是台銀人壽他們自己的員工跑到金管會去投訴這件事情主委知道嗎當然這種個案不會到我這邊來他們會保險局就會直接處理然後可能就送平益中心處理個別的被保險人這些小蝦米在面對保險公司的時候是很無助的"},{"start":11994.66,"end":12014.154,"text":"這是為什麼我們設平益中心是的 沒錯然後被欺負了以後平益中心就告訴台銀人壽說你們不能這樣子幹一而再 再而三這樣子的做更離譜的是什麼更離譜的事情是後來台銀人壽心甘心"},{"start":12016.593,"end":12036.984,"text":"新安新保工商團體一年期綜合保險計畫2023版2月的DM說有理賠記錄的台銀人壽保留續保與否的權利加這個條款金管會認同嗎我想報委員因為這個非常非常細節的問題今天保險局局長有來嗎有 對 請"},{"start":12040.027,"end":12064.998,"text":"這個事情投訴到金管會你知道嗎因為對主委來講這些保護權益被侵害是很細節的問題主委沒有辦法關心到但這件事情我知道有投訴到金管會去我們自己公股的人壽公司做出這種踐踏保護權益的事情保險局知道嗎"},{"start":12067.007,"end":12081.038,"text":"報告委員 這個案子是數年前的案件剛剛我有詢問同仁這個案件大概過去有一些處理容我們會後再了解後再跟委員做報告現在他們怎麼欺負人那個保護他要趕去平益中心他願意花勞力時間費用去平益中心才可以討到他個案的公道"},{"start":12094.901,"end":12115.709,"text":"有趣的可以找到公告但是這個是集團性的在侵害保護的權益所以才會到金管會去到金管會去檢舉了以後結果台銀人壽的業務部門阻止罹癌的同仁爭取副校因為之前不讓他保嘛"},{"start":12116.823,"end":12126.533,"text":"他要爭取復效結果台雲人壽竟然打壓自己的同仁在團體保險爭取復效111年金管會接獲檢舉"},{"start":12128.134,"end":12156.266,"text":"台銀人壽才不得不對該員的團體 副校與理賠這個是我說 金管會知道這件事情但是2022年的事情我為什麼在2026年的今天我再提出來質詢的理由是說不是只有這個人還有其他更多的人還有其他更多的人因為台銀人壽這種違法的作為權益遭受到了侵害"},{"start":12157.706,"end":12169.657,"text":"這是我今天提出來質詢最重要的理由對於主委來講可能不是很熟悉也沒有關係我今天質詢我只希望做到兩件事第一件事情"},{"start":12171.25,"end":12200.274,"text":"當初台銀人壽違法踐踏這些保護的權益金管會接到檢舉了以後除了要台銀人壽把那個有接到檢舉投訴的幫他辦復效了以外針對有關於保險公司進行監理的時候採取了什麼處分採取了什麼措施懲處了哪些人請金管會會後回覆可以嗎沒有問題"},{"start":12200.914,"end":12226.135,"text":"第二個問題還有多少人還有多少保護類似相同的狀況權益被踐踏請台銀人壽提出完整的說明可以嗎沒有問題需要多久一個禮拜夠不夠應該可以一個禮拜以後請書面回覆我接到書面回覆了以後我們再從這邊繼續追下去好 謝謝"},{"start":12227.401,"end":12231.044,"text":"謝謝黃委員接下來我們請王順堅委員謝謝主席我請國發會高副主委請高副主委"},{"start":12259.898,"end":12280.377,"text":"委員好高副主委是這將近兩年來我在不管是財政諮詢總諮詢一再的提起我們國內我們民間資金最大宗就是壽險業他可運用資金35兆那麼裡面有7成25兆"},{"start":12281.468,"end":12301.915,"text":"被他們拿到海外去購買國外的債券基金等等這兩大風險一個戰爭一個匯率現在都碰到了那麼我們政府在賴總統的財師之下也有交代左院長政府院長他們都有積極處理所以"},{"start":12303.547,"end":12320.647,"text":"我覺得這個部分人家金管會跟財政部都處理得很積極我簡單跟你講說金管會的處理立刻放寬保險業資金投入公共建設的規定把這個比例由10%提高到15%"},{"start":12322.569,"end":12349.007,"text":"那財政部因為有很多受險業者也來反映說有啊他們願意回來他們願意回來只是對公共建設的案件定義這個是不是能擴大他們也講了我立刻跟莊部長要求莊部長他也成立了專案辦公室會整全國的促參案件那麼每個月在一個平台網路去公告而且還主動"},{"start":12350.188,"end":12366.093,"text":"告知受險公會跟各家受險公司主動跟他們接洽遇到什麼困難可以找財政部 警管會幫助他們都做得很積極只有啊這個我們國發會我一次不懂"},{"start":12368.663,"end":12388.76,"text":"國發會你們在去年就講了你們去年就講了說目前你們掌握的受險業有興趣在公共建設你說我包括離岸風電再生水廠海水淡化廠地下水下水道等等等等的一大堆你說第一波就有這麼多"},{"start":12389.861,"end":12403.576,"text":"第一波就有這麼多這還是你講的然後去前年前年你講的前年的11月你們針對這個造園投資專案造園投資專案這個也是國發會提的造園投資專案這個發想"},{"start":12412.215,"end":12427.921,"text":"設計這些都很好但是推動有很大的問題啊你到前年11月你就說已經受理兩件保險業者來申請那我就問啊我就問我們國發會說那是哪兩件啊"},{"start":12428.741,"end":12449.487,"text":"結果你們答覆我說一件事某一個私募基金就倉儲物流中心提出申請第二個你說某個建設公司就觀光養殖產業比方說漁業附加價值作業設施等等你說這個已經受理這兩件結果這兩件"},{"start":12453.24,"end":12473.761,"text":"那個副主委這兩件通通跟壽險業無關這兩件主導者的一個是虱目基金一個是那個建設公司他們兩家是不是另外會再去找壽險公司幫忙引進壽險回流的資金這不曉得"},{"start":12474.909,"end":12483.437,"text":"而且這兩屆加起來也不過兩百億也不過兩百億所以我結論我是要告訴你是說你們國發會"},{"start":12488.786,"end":12505.657,"text":"化大餅很會啦做大餅一點都不會那個委員請你給我一點時間說明我們國發會在兆元投資方案裡面的角色第一個這一個案件呢是的確是我們國發會呢提出來的"},{"start":12506.597,"end":12524.251,"text":"最重要的我們有三個策略主軸第一個是促參的這個部分事實上它的主管機關是財政部所以包括促參障礙辦公室還有促參的創新機制跟促參提高的用意我知道你念的那個部隊"},{"start":12526.152,"end":12529.036,"text":"都是我們那時候規劃提出來的妳不要上拜訓台又在那邊誇誇而談我是告訴妳是說那妳左邊推給財政部右邊推給金融會那妳今天來幹什麼我們國發會是一個策略規劃的單位"},{"start":12542.374,"end":12553.979,"text":"特定個案單位 至少你不要說謊啊我問你 我問你 受險業資金申請那你為什麼要欺騙立法院 欺騙立法委員我跟委員報告 你剛剛講的那一個叫做基礎建設那個只是我們引導基礎建設不是國家建設嗎 是"},{"start":12564.204,"end":12586.567,"text":"可是之前它不是在受險業可以投資的範疇所以我們那時候就隨同的金管會修管理辦法把它納入到受險業可以投資的範疇所以您說的那兩岸是屬於基礎建設的範疇不是屬於公共建設的範疇"},{"start":12587.648,"end":12615.352,"text":"那基礎建設是我們重新開的一條路你認為說基礎建設那個不在國家建設的範圍就對不是不是你說那個不在產業升級條例沒有包括在內原來受險資金是不可以投資基礎建設所謂的基礎建設跟公共建設的不一樣就是說公共建設它他們都有所謂的公共建設的性質可是它不是否"},{"start":12615.612,"end":12635.195,"text":"你扯這個我只能告訴你說四個字胡說八道這早在財政部裡面這個早就已經修改好了如果我們可以跟委員再詳細的說明如果你告訴我說你的講法就是說國發會只負責畫餅不負責做餅你這樣給我答覆我們國發會負責規劃"},{"start":12644.113,"end":12673.288,"text":"跨部會的協調跟後續的執行包括我們這個兆元投資我們有月程級的專案會議我們有兩個工作小組還有兩個專案的辦公室都是我們這個計畫來規劃來促成的剛剛包括您講的所有金管會的相關的放寬的法令規章的措施都是我們在所謂的促參我們有一個叫法規調適小組裡面所以沒有你下去規劃推動財政部他們就不知道該怎麼做就對了"},{"start":12674.108,"end":12689.923,"text":"所以你今天是上級指導單位所以國發會今天主委不用來就派你一個副主委來應付就對了因為我們是依照委員會的指派我們是副主委出席沒有指派我們主委出席你回去把這些法規"},{"start":12691.224,"end":12716.002,"text":"什麼時候人家財政部金管會已經怎麼樣通力已經修改好我們可以跟委員詳細的說明他們也很積極的跟這些受險公司都已經鼓勵他們回來有具體的計畫給他們我跟委員報告您剛剛說的都是我們兆元公司以後受險業資金35兆裡面有7成25兆"},{"start":12717.423,"end":12728.951,"text":"已經在海外曝險了我們一定要趕快讓他們回來回來就好來增加我們公共建設的資金來壯大我們國家好啦 謝謝委員我們會跟委員詳細說明不要說謊喔不要又扯一些你那兩個案子就是說謊啊沒有說謊因為他以前是不准投資的"},{"start":12747.563,"end":12772.277,"text":"我现在请问你那两个案子是不是受险资金不是嘛 你明知道嘛他 我跟你说我们 对我们会允许就是受险业可以投资这些可是他是一个PC跟VE也是属于受险业可以投资跟PE VC的他们投资的标的那两个不是就对你在给我们的回答里面你正式就打了这两份"},{"start":12772.837,"end":12786.471,"text":"對我而言不是被你說成是那就是兩個字我們會再跟委員解釋請問你記得啦你就只會畫大餅啦那個時間暫停我請那個莊部長我們請莊部長"},{"start":12795.5,"end":12816.645,"text":"先前我們這個也講了大概一年促參的案件爭議頻傳那麼這些紛爭的解決我覺得因為如果我們沒有一個快速的處置方式的話這個訴訟程序曠日廢時而且耗費大量的行政成本這個影響整個促參法公益最大化"},{"start":12818.117,"end":12822.562,"text":"的這個目的嘛所以當時我就要求我要求就是說是不是我們在促參案件裡面加入強制仲裁這個條款那時候你有答覆我你說法務部說不行啦說這個可能違憲結果我也真的就排隊就去問了法務部"},{"start":12839.261,"end":12866.052,"text":"法務部答覆說沒有啦它不是這個意思因為我跟法務部講啊我說如果出參法加入這個是違憲的話那我們現在公共工程我們政府發包的公共工程都有強制仲裁的條例耶那難道說所有公共工程都是違憲嗎所以我今天就是要正式告訴你說如果這個樣子法務部都同意了"},{"start":12866.852,"end":12889.316,"text":"同意以后 我有问过我们财政部财政部还是跟我说 我说法务部说同意 他没有说违宪你们财政部给我的答复竟然是说好 那你们延议延议 所以我今天我要问你你们延议的结果怎么样当法务部都同意都放行了那你认为这应该怎么办"},{"start":12890.37,"end":12894.791,"text":"謝謝委員這個關注所以法務部在12月17號去年12月17號函附給我們了他就告訴我們說如果促參經過審酌公益性跟必要性的話那事實上可以審慎的納入強制仲裁所以對於這個部分我們會根據這樣的一個情況我們會把它研議然後會跟委員做報告我們的研議情況會跟委員做報告"},{"start":12912.035,"end":12936.228,"text":"因為畜産這些案件太可怕你知道嗎一年等於增加了18件128億元的損失就是說這些拖延的那觀光休憩設施最重要那個部分高達將近500億464億元是在觀光休憩設施而那些延至目前有的一拖拖十幾年那會影響我們國內以及我們對外招募國際觀光客"},{"start":12937.75,"end":12949.786,"text":"爭議快速解決 公共服務不中斷我想這是最主要的目的既然兩邊不和了那我們就快速解決強制仲裁好不好好 謝謝謝謝王委員接下來我們請顏寬恆委員"},{"start":12962.442,"end":12990.464,"text":"主席各位列席官員大家早主席有請我們金管會彭主委來請彭主委委員好主委早主委金管會日前預告修正保險業招攬及核保理賠辦法將簡化高資產客戶投保跟借款投保的流程那受險業者也樂見可以讓財富管理的業務增加可不可以請主委簡單說明"},{"start":12992.169,"end":13015.828,"text":"其實主要是這樣因為我們主要是做差異化管理那我們對高資產客戶本來在整個在管理上面本來就會採取因為在資訊不對稱理論裡面告訴我們說他通常都是比較資訊比較對等的情況之下可以再做一些差異性的管理但是如果是對一般的消費者那就必須要有不一樣的管理模式這樣是的"},{"start":13016.368,"end":13045.2,"text":"好 主委這個跟你之前提出的雅治計畫有關嘛是的那你提的目標是說兩年有感 四年有變 六年有成是那已經累計鬆綁這個超過42項法令那根據整體的資產規模成長超過新台幣4兆那提前完成兩年有感的階段性目標那主委可不可以確切地說明一下目前雅治計畫推動的進度如何"},{"start":13046.44,"end":13063.089,"text":"謝謝謝謝委員我想這是全面式的啦剛才委員提到就是說我們也想統計一下就是說因為畢竟這個市場我們要開始做一些啟動的時候第一個先從法規鬆綁開始那我們剛才委員提到就是說42項法規我們本來是預計兩年要鬆綁46"},{"start":13067.712,"end":13093.945,"text":"54件以上的法規但我們現在剛剛資料稍微更新已經有46項法規我們已經做完調整了再來就是有關我們所謂的資產管理規模的部分我們本來是預計兩年的時間如果能夠有一個增加大概4兆左右的規模我想因為台灣的投資的動能也比較大所以我們大概已經"},{"start":13096.266,"end":13112.937,"text":"已經開始已經達到這個四兆的規模就是前面的這個已經提前完成這個兩年有感的部分對 就是有感主要是說我們希望針對這個構想很好 主委我是要說再強調就是說地緣政治的風險這可能會造成我們很多的投資人卻步"},{"start":13113.277,"end":13129.223,"text":"這是很大的挑戰對 很大的挑戰所以說其實過去這段時間很多高資產人士跟企業已經開始主動的在詢問關於資產外移分散配置把一部分資金轉往相對中立政治風險較低的金融中心"},{"start":13130.503,"end":13158.348,"text":"所以它原因就很單純因為風險一旦升高資金就會先保命先保命 然後再談報酬所以尤其最近我們台海區域緊張已經成為一個常態所以說投資人其實不需要等到真正發生什麼事情他只要一認為說這個不可預測的這樣子情況上升他就會踩煞車所以這是資本市場的一個本能"},{"start":13158.968,"end":13172.832,"text":"所以這問題在這邊政府在規劃招商吸引投資的時候所講的都是我們制度的優勢還有產業聚落人才跟補助這方面但是對投資人真正擔心的那一塊風險那一塊"},{"start":13174.913,"end":13194.409,"text":"其實是很模糊的講的都很少但是不是說風險我們沒有講它就不發生還是會有所以當投資人已經把區域衝突變成是一個中長期變數的時候你認為我們這些投資誘因足以彌補這些被拉高的一些風險 疫酬嗎"},{"start":13195.609,"end":13219.056,"text":"我想在全球金融市場的競爭遊戲裡面每個國家地區實際上所面臨的資源條件都不同台灣有自己獨特的優勢也有我們獨特要面對的問題我想像剛剛委員提到地緣政策的問題不是現在才開始我想大家知道1949年開始就一直都是這樣一個狀態"},{"start":13220.876,"end":13238.67,"text":"我想我們也看到就是說當然有些不同屬性的資金它有不同的選擇但是我們也看到說比如說剛剛也有人關切到我們最近幾年外資對台灣資本市場投資其實有增無減再來就是很多海外的投資對台灣也有增無減但不可否認的"},{"start":13239.471,"end":13265.653,"text":"有很多人也選擇了不同的選擇我們不能因為有這樣的一個限制而不做我們還是要持續的努力因為越多的國際資金來台灣台灣就越安全我想這個大概是我們就應該要按照我們的條件來做對 沒有錯就是說這個我們雅致計畫確實一定要做過去也想做 但是沒有做成那現在有這個機會而且也受到業界一個高度的肯定但是要真正"},{"start":13266.474,"end":13283.058,"text":"把台灣打造成一個區域中心區域級的一個資產管理中心我們必須要正式在政策執行跟法規這部分要全面的優化面對新加坡 香港這樣子成熟的一個亞太資產管理中心台灣的競爭優勢"},{"start":13285.939,"end":13314.479,"text":"是什么我们需要加强的部分有哪些这个部分我在你的新闻里面有看到就是说要发展自身特色但是自身特色是不是被我们刚刚提到的这些区域紧张的一个部分不确定的因素又被严重的一个影响所以是不是除了目前已经开放的项目之外未来一年有哪一些法规双绑的部分还会再做能够让台湾私人银行业务具备更"},{"start":13315.459,"end":13333.773,"text":"足夠的一個國際彈性跟效率能夠吸引更多的這些境外資金進駐或者是我們的資金回流是 剛剛委員你應該講得非常非常的這個吻合我們現在的想法其實我們以我們自身的條件我們一定要好好的來利用"},{"start":13334.814,"end":13348.817,"text":"來用來彌補我們現在無法改變的劣勢我想新加坡 香港都是我們非常敬佩的國際的對手而且他們有非常好的基礎但是他們也是花了幾十年甚至半個世紀才有這樣的一個條件"},{"start":13349.858,"end":13373.434,"text":"他好的東西我們要學但是我們有他沒有的東西我們就好好來發揮國際的資金有各種不同的目的他會在選擇各種目的他不會全部壓在一個地方所以我想說我們發揮我們特色可以吸引我們要吸引的然後我們做出一個有別於他們的資產管理中心其實這樣也就有辦法剛剛委員提到說我們會持續針對這幾個重要的一些項目比如說我們對私人銀行業務的開放"},{"start":13374.915,"end":13390.753,"text":"我們第一波開放很多我們現在是在做開放我們在開始去觀察他們是否真的做得很穩健真的很穩健以後我們會持續開放反正我們有很多很多的方案主委 這個雅資計畫這個政策最大的受益者就是銀行"},{"start":13391.654,"end":13409.851,"text":"就是銀行其實我們是全金融業當然但是目前看就是銀行面對高資產業務的一個爆發性的成長需求我們金管會是否已經有針對私人銀行的這些專業人才的一個量化培育目標你的培育目標計畫是什麼引進具備國際經驗的頂尖私人銀行家還有"},{"start":13415.436,"end":13431.99,"text":"更具吸引力的這樣子的攬財或者是一個認證機制那確保我國的這個專業人才庫能夠跟得上發展速度跟這個國際水準這部分是我們金融會要趕快做的是 我應該講到一個很核心的點其實金融業它沒有"},{"start":13432.751,"end":13457.333,"text":"沒有資本投入 沒有這些他主要靠人跟誠信人的部分當然最重要人跟專業對 就是我們這裡我們其實台灣有很多的人才是在海外所以我們第一個就是要除了自己的自培以外自己來培養以外引財也很重要就從海外我們這些很好的這些的人才能夠回來台灣要有這個機會才有辦法吸引他回來所以說我們是雙管齊下是 所以主委"},{"start":13460.095,"end":13488.135,"text":"應該要向國際投資人提供更具體以及更透明的風險緩衝還有應對的方案不要讓大家有太多的顧慮那才是資金願意進駐或者是留住在我們這一邊這個才是整個政策的核心金管會應該要考慮到針對私人銀行的這些核心人才的培育跟引進就像你剛剛提到了我們優秀人才都在國外怎麼樣把他們吸引讓他們願意回到我們台灣"},{"start":13488.815,"end":13516.389,"text":"對 台灣碼頭大了船就會靠過來對啦 對啦所以要有一個很好的環境讓我們這些專業經理人他願意回到我們這個地方是的所以提出更具吸引力的一個攬財計畫跟認證還有獎勵機制嘛所以我想就請主委跟金管會繼續往這些目標努力好不好謝謝 謝謝委員的那個勉勵啦我們會持續來努力因為我想這個不只是銀行業受惠我想全體金融業受惠也是全體國民受惠好的 好 謝謝謝謝"},{"start":13519.286,"end":13522.708,"text":"謝謝顏委員接下來我們請黃珊珊委員好 謝謝主席我想請郭發慧副主委財政部長還有金管會好 請彭主委 莊部長 高副主委委員好"},{"start":13545.891,"end":13561.402,"text":"三位首長好我想今天這個題目非常的重要就是怎麼樣開放我們的金融業保險業能夠參與公共建設我想請問一下國發會我們的公共建設社會住宅是不是公共建設"},{"start":13562.502,"end":13589.045,"text":"是的是的然後艾希德總統他在總統競選證件說他要蓋百萬租屋家庭支持計畫包括8年蓋13萬戶的所謂的社會住宅對吧是這個案子一直都沒有核定國發會也是推動者為什麼一直不核定基本上設宅這個是內政部主管的是我們這個案子裡面你要整合對不對"},{"start":13590.333,"end":13609.178,"text":"是 我們這在兆元投資裡面所以妳也不知道對妳不知道為什麼來財政部內政部把所有社宅不蓋的原因是沒地沒錢全部推給財政部是嗎倒也沒有說推給財政部基本上就是跟妳說妳沒地了第二我沒錢了"},{"start":13609.718,"end":13624.574,"text":"政府興建當然他有一些要掃地然後再來蓋那問題還有一個就跟委員報告就是社會助理然後你的稅務也在幫他們解套但是還是沒有辦法在新的政府上任之後目前為止幾乎進度是零"},{"start":13624.994,"end":13642.014,"text":"那對於社會住宅我們也納入所謂促參法裡面的公共建設那因此呢在這個造園投資方案裡面我們也請內政部來進行推動那我就要請問一下現在有哪一些把社會住宅成為促參法的標的然後已經成功的有幾個"},{"start":13643.596,"end":13659.579,"text":"目前我們在推動的希望他們做的第一個就是有這個履約中的一個案子就新北市青年住宅BOT案這個已經在履約當中了那目前呢在前置作業當中的有兩案就是雲林縣的高鐵青年社會住宅的"},{"start":13660.1,"end":13683.994,"text":"把社宅放在公共設施裡面還有內政部的如久安居社宅案那目前都在前置作業所以我們希望透過促參的方式讓社會住宅的興建能夠更快速好 那今天的重點就來了請彭主委彭主委 我們今天的目標是希望開放國內所有的包括金融業 保險業參與公共投資公共建設我們鼓勵他把資金投資台灣"},{"start":13684.454,"end":13699.161,"text":"我現在就是說今天這樣子的一個解套我看到你的報告裡面也講得很清楚保險業我們已經可以讓他去投資宿地或配合政府政策特定目的的地上泉案件是社會住宅本來就是是 那有沒有"},{"start":13699.969,"end":13716.267,"text":"現在主要可能是因為岸岩的特性剛剛部長講那三個有沒有保險業現在據我所知我待會跟保險局確認我據我所知現在沒有因為它主要是它的投資報酬率跟未來的穩定性現在就是這個矛盾的地方如果可以賺錢大家都會來"},{"start":13717.168,"end":13743.875,"text":"如果賺不了錢你開放也沒用嘛所以你寫這個報告等於是白搭嘛我的意思是說在國外它的社會住宅跟公共建設甚至跟檢疫連開放在一起它其實是賺錢的是有人會去投資的可是我們現在把這些都全部拆開來然後現在要慢慢試著放進來主委我的意思是說如果我們今天要促餐就全套的"},{"start":13744.574,"end":13769.771,"text":"就能夠讓他算得出來 他賺得了錢的否則我們這些寫的報告都是白搭啦對 確實其實我也應該提到很關鍵你寫了半天 我們開放你可以投社會住宅但沒人投啊但是我們第一步一定要先開放我們自己不是好 開放以後 其他相關的法規包括財政部給他的稅付優惠包括我們財政部離出來的相關的國有土地去做相關的BOT也好"},{"start":13770.231,"end":13795.356,"text":"或地方政府他們做的聯開案也好這些可能都必須要放在你的促餐裡面給保險業這樣子的誘因給他們這樣子的機會三位知道我的意思嗎理解也就是說我們今天討論對你可以投資了但沒人來啊第二剛剛部長很認真了才推了三個然後還沒進行最重要的是我們政府"},{"start":13797.463,"end":13809.789,"text":"13萬戶按照內政部縣的說法我沒田我也沒人所以我在賴清德等4年之內他蓋不到3萬戶也就是說他的8年13萬戶打對折之外還要再打對折這才是我們現在的問題所以 主委"},{"start":13815.373,"end":13840.51,"text":"這個開放了 接下去是不是金管會要協助或者是讓這個事情能夠成真其實我們一直也在比如說我們希望有些公件不要只有這個舉債不要永遠都是政府來做一些虧錢的事如果說可以把它做一些比較符合市場的這樣的一個我們講一個簡單的例子以前體育館都是政府蓋的"},{"start":13841.571,"end":13859.9,"text":"現在巨蛋需要政府蓋嗎不用啊它配合相關的商業設施它其實是可以回本的然後它的狀況很好我想非常多的金融保險業也非常願意去投資這其實也是我們跨部會在努力的是 所以可能動作要更快一點如果社會住宅政府沒辦法蓋沒錢 沒人 沒地"},{"start":13862.461,"end":13890.594,"text":"那你既然有開放這些東西接下去就是怎麼樣讓這個畜産案它更可行然後因為我們現在畜産也有一定的機制了它也有一定的防避的措施了怎麼樣讓社會住宅納入這個部分能夠趕快快速的達到政策目標這是我今天質詢我覺得你既然開放尤其是金融保險院進來了他們將本求利不賺錢的不會去那如何讓他賺錢他會去社會住宅才蓋得出來"},{"start":13891.474,"end":13910.679,"text":"好嗎我覺得今天希望三位在這個部分的社會住宅能夠列入將來包括社宅政策財政部稅負優惠以及金管會協助這些金融保險投資業他們應該要來參與的政府公共建設其中一個最大的重點不要再蓋那麼多巨蛋了啦先來蓋社宅"},{"start":13911.789,"end":13939.53,"text":"如果社宅可以賺錢 難東來啊啦 好不好我覺得這個是現在我們看到說既然開放了就希望保險業希望不管怎麼樣以後在這個地方質詢的委員可以問到說已經有幾家保險公司進來了已經有幾個案子成功了我們也非常期待好不好 這是第一點我希望國發會要成為這個的中間的非常重要的溝通管道"},{"start":13940.17,"end":13957.917,"text":"跟委員報告我們是在初餐裡面已經把社會住宅當作一個指標沒錯但是沒人來我們現在其實我們跟內政部你當成指標但是沒人來我們設法要提高保險業的投資誘因譬如用永長PPB"},{"start":13958.457,"end":13977.982,"text":"是相關的方式讓保險業覺得這個是可以值得他進來的標的主委是專家保險業他最熟所以怎麼樣讓這個部分他們能夠參與進來他們的錢多到不知道要花去哪裡現在就怎麼樣讓他投資安全而且又是政府需要的這才是我覺得雙贏甚至三贏的狀況"},{"start":13979.525,"end":13993.01,"text":"確實我們現在保險球投出來也有地方接它是 也就是說他們不能不賺錢那你又不能你怕他賺錢嗎我們希望他也賺錢然後我們社會住宅也提供得出來"},{"start":13994.167,"end":14021.416,"text":"接下來是金管會那其他國發會請回然後我要問一下金管會主委 我們現在的銀行每年獲利看你們的報告都非常的驚人每年都獲利超標每年成長5% 8%的我們要檢討一個東西就是所謂的跨行轉賬手續費現在很多的電子支付基本上很多都不需要手續費轉賬雖然銀行還是有一定的成本"},{"start":14022.596,"end":14043.688,"text":"現在的手續費15塊錢是12年前的然後每一年交易的跨行轉帳的數量已經超過12年前非常多倍所以銀行他的收益裡面有一大半是利息增加最重要是手續費增加很多手續費要不要再做一些檢討15塊1000塊以上15塊10萬塊也是15塊這15塊其實是很多小額轉帳很痛的地方"},{"start":14052.486,"end":14068.986,"text":"我想委員提出來所有東西當然都值得經過一段時間都值得來是 這已經12年了是108就已經12年前的事了那時候交易量月交易量已經是12年前的快三倍但是我們的手續費並沒有檢討跟調整"},{"start":14071.226,"end":14099.423,"text":"我們可以去了解一下合理的這個狀態因為時空環境不一樣沒錯我們當然要兼顧我們經營上面的必要的成本但是因為現在幾乎都是電腦作業以前是有很多人工對賬有些相關的成本我覺得這個部分是金管會如果要把它當成一個重要的檢討方向我覺得至少手續費如果可以降低然後促進我們的普惠金融其實手續費在全世界來說它都不算低"},{"start":14100.103,"end":14123.662,"text":"尤其是銀行轉賬一兩千塊也要15塊我想這個如果說也跟大部分的消費者有關的這個部分我們會很忠實的來去檢視至少要開始檢討因為這已經十多年沒有檢討過之前有討論過這樣一塊101年的事情已經十多年了"},{"start":14124.997,"end":14149.467,"text":"101年現在的交易量已經是三倍了它還是15塊這個我認為說至少在您任內開始檢討它的獲利我們不影響銀行的獲利的情況但是他們的交易量增加這麼多它其實獲利也多了三倍了但是它的成本並沒有增加因為全部都是電腦作業 好嗎是 我們可以針對合理化之後來做個研議啦好 謝謝主委 謝謝主席謝謝 謝謝委員"},{"start":14151.848,"end":14159.712,"text":"謝謝黃委員接下來我們請楊瓊英委員楊瓊英委員楊瓊英委員不在場下一位謝一鳳委員謝謝主席我想要請彭主委請彭主委"},{"start":14174.687,"end":14197.441,"text":"彭主委 早安我看到了就是這個讓國內的資金那最大的資金來源當然就是保險業跟金融業那怎麼樣子來促進他們投資國內的公共建設那對於保險業來講他就要穩定收益"},{"start":14199.122,"end":14223.279,"text":"投資國內的公共建設對保險業來講他們覺得是不是穩定收益不夠高或者是不像不像是外國的投資債券等等的如果像財政部還要發公債那你外國投資外國的債券有刺激市場那台灣的"},{"start":14224.676,"end":14235.836,"text":"如果要投資未來我們的永續債有沒有刺激市場 相關的刺激市場其實我們櫃買也有 對可是問題是不熱絡因為大家都買了都放著"},{"start":14236.408,"end":14256.86,"text":"是啊 就是不熱絡啊那為什麼投資外國的債券他們的收益比較高就是因為刺激市場的熱絡性那我相信這都是一連串的配套如果要讓我們的國內的保險業以及金融業來投資公共建設的時候"},{"start":14258.171,"end":14276.433,"text":"那你說現在所謂的兆元有沒有達到真的兆元的規模那甚至他們隨便一家公司可能都超過兆元是不是那國內的固定收益的這樣子的公共建設有沒有辦法擴大其規模呢"},{"start":14277.66,"end":14303.836,"text":"當然就說其實剛委員提到受險業它的因為它的負債是長的所以它具有一個其他資金所不能達到就是它可以長期提供穩定的資金所以它相對應它就希望能夠對應它資產負債管理也是一個長期穩定的收益剛才講這樣的一個標定那當然最容易匹配的大概就是我們固定收益的比如說債券"},{"start":14304.756,"end":14322.959,"text":"那當然為什麼國內的這些公件其實有很多是有潛力的但是因為過去一直都沒有把它變成是一個比如制度化比如說它的其實我覺得那個報酬率本身並不是一個絕對我剛才也說過它整個投資組合裡面會有各種不同的需求"},{"start":14324.28,"end":14349.08,"text":"當然就是投資國內的公共建設不會有賄損的這個問題就是說它其實還有一個重要它的確定性就是說他們很擔心的就是會不會受到其他變動比如說可能他們未來可能受到一些其他的因素干擾讓他的獲利會變成比如說成本不能反映或是收益被做一個限制大概是這樣所以我覺得這要制度來解決剛剛其實"},{"start":14351.141,"end":14372.421,"text":"其實剛委員提到一個這是很好的關鍵因為現在的受險市場他應該知道我們持續的投資海外雖然感覺起來帳面上是可以獲得到一些投資的利差但是他有一個潛在很大的獲利風險我想去年他們大概都知道所以我覺得現在的機會已經比以前更好他們有更大的動機所以我們現在全力來"},{"start":14373.402,"end":14388.743,"text":"當然就是透過跨部會的對法規法令的鬆綁我們剛剛很多的公件的案子都是在各個部會的我相信即便你們的鬆綁恐怕就是說國內這樣子的就是案件也不多但是不做的話就是我們要開始"},{"start":14388.883,"end":14417.35,"text":"因為這種案件如果要涉及到就是說像這樣子大量的銀行或保險的資金投入的公共建設例如像高速公路或是等等這樣子有固定收益的那的確在目前我們的公建未來要有創造這一種有收益型的就是經常性的收益型的公建不多那當然也要看政府怎麼樣子來規劃那我第二點還有請教就教於你的就是金融專區了"},{"start":14421.512,"end":14442.303,"text":"我們彭主委非常大力的推動亞洲資產管理中心所以金融中區是你重大的一個計畫目前在高雄已經推了你也鼓勵其他縣市推如果現在在推的情況下在法規法令上面你認為遇到什麼樣的問題需要鬆綁"},{"start":14443.544,"end":14469.294,"text":"其實就以我們專區事辦而言我覺得並沒有什麼太大的障礙因為高雄的例子就告訴我們說這是可行當然就是因為主要是我們所謂專區的概念主要是中央跟地方協力而不是單方中央發力就是兩個要協力地方政府要拿出他的特色還有就是他未來的這些的發展潛力還有最重要的是地方政府能提供相對應的誘因人家才會過去"},{"start":14470.614,"end":14490.481,"text":"所以這部分就是我們會跟其他各地方因為我們是希望發展台灣為亞洲自然環境不是發展一個地方而已我們希望遍地開花當然是我們最希望的目的我認為中部我們也有討論過中部也很適合來發展金融專區你認為這樣的話適不適合"},{"start":14492.802,"end":14501.354,"text":"我覺得歡迎就是各個地方政府他們如果說有這樣的構想可以跟我們來好好來談一下好謝謝謝謝委員接下來我們請林楚英委員"},{"start":14518.411,"end":14525.439,"text":"謝謝主委謝謝主席有請主委跟銀行局同局長請彭主委 請同局長"},{"start":14529.049,"end":14550.199,"text":"主委好本席要關心的其實是跟金融詐騙有關但是呢我們都知道這個詐騙的手段跟駭客的攻擊其實是日新月異那我們在這個金融業裡頭攸關到的是跟金錢還有民眾各自有關我不知道主委知不知道根據一個2025年外國網路安全叫做金融威脅報告裡面提到"},{"start":14551.74,"end":14573.499,"text":"臺灣的金融業比起其他的產業我們遭受到的資安攻擊是其他產業的多少倍我們也是訊息不過我們在例行性會議的時候我們的支付處有跟我們提出我們是確實是有這樣的狀況因為金融業不只臺灣的金融業其實臺灣很多的機構都受到一些國際駭客的這些的威脅"},{"start":14574.079,"end":14599.104,"text":"好 根據國外的這個所謂資安的報告台灣的金融業對比其他的產業有高達300倍超出300倍受到資安攻擊的威脅所以每一個這個所謂的金融機構的資安長就會相信的重要但是如果根據我們現在的金融控股公司及銀行的法規當中Sorry"},{"start":14600.137,"end":14617.95,"text":"下一页所看到的就是第38条之一我们银行的只要是副总以上就可以来兼任资讯的资安长那么我特别看了一下以我们先以公股行库来讲我们的八大公股行库"},{"start":14618.47,"end":14631.725,"text":"那麼有一些行庫當然他所聘請的這個資安長跟副總都有這種資訊或者是工程電機相關的背景但是也有的他事實上就只是曾經在銀行內部"},{"start":14633.487,"end":14660.464,"text":"有銀行的這樣的資歷或經歷那麼其實本席要提問的就是這樣子的一個指示給予一個副總得以兼任會不會有橡皮圖章因為我必須要強調的是這個是有專業性在裡面真的遇到問題的時候他是能夠真正做判斷的人嗎那麼因為是公股行庫所以我希望能夠從公股行庫來做起因為我也必須提醒"},{"start":14661.024,"end":14684.159,"text":"有的時候這個位置出缺一定會出現說哎呀資格到了誰等很久了是不是要給他升個副總啊那如果他沒有這樣的相關金融背景的時候要讓他升副總兼任資安長嗎我提醒的是一個非常確實的問題這個部分我想要先請教一下主委你怎麼來看"},{"start":14685.753,"end":14702.863,"text":"當然我覺得資安是我們接下來非常重要我們最近也剛剛公佈我們資安韌性發展藍圖也就是因為我們接下來的有關資安的重點會是我們未來強化的一個重點有關這個規定我請銀行局簡單跟您回覆一下"},{"start":14703.263,"end":14724.501,"text":"跟委員報告這個法規最主要它當時的利益是說希望能夠有一個比較有權值的有權的副總他能夠來兼任治安長最主要的目的是讓副總他能夠去調度全行的資源來支援治安的不管是相關的預算的配備還是相關採購的設備要由副總的層級來協調調度所以當時並沒有去要求說"},{"start":14729.945,"end":14747.063,"text":"這個兼任資安長的副總他必須要有資安的相關的專業背景不過委員質詢所提示的相關內容未來在我們新公佈的資安策略藍圖裡面我們也會去強調兼任資安長他也必須要有相關資安背景"},{"start":14747.463,"end":14774.705,"text":"好 因為我們知道這個資安的東西日新月異包括現在連AI等等如果你沒有相關的背景你手握資源但是這門專業恐怕很容易就會流於蓋了章或者是只是說一句話那麼未來事後如果你知道設備一旦投注下去那是一筆龐大的經費甚至於我們過去也不乏有系統在更換的時候發生一些問題而我們包括金管會也會開罰"},{"start":14775.566,"end":14790.551,"text":"另外一個問題就是我今天得到明確答案之外我們來看完公股行庫之後我們是不是也要來看一下那麼未上市的銀行那麼他們的資安長甚至於是不用公告那麼對客戶來說他會不會就陷於一種所謂的資訊無法"},{"start":14792.932,"end":14811.375,"text":"透徹這個另外一個我要提示的是除了公股行庫之外我來看下一張因為時間有限我們這個主席喔對於時間很嚴格所以我要把握時間包括我特別這個是我在網路上所搜到的民營行庫的幾個資安長他們因為有公告但是公告"},{"start":14811.835,"end":14839.604,"text":"也同樣不清楚就是到底他的資金力是不是完整那麼這個部分其實透明度也不夠那麼未來除了要求這個資安長副總監的資安長要有資安相關背景之外那麼在對外第一個未上市的銀行真的不用公告嗎不用公告資金力嗎那麼到時候該如何來了解這間銀行金融機構他的資安合不合格他的資安長合不合格呢那麼"},{"start":14840.584,"end":14851.776,"text":"民營的部分他的資安長在更換的時候有重訓可是他的資金力是不是需要一起放上來讓民眾了解這個部分是不是也可以一起來精進一起來進化"},{"start":14852.487,"end":14878.307,"text":"目前是在他們的年報裡面是有公佈當然要不要單獨再拉出來特別的公告我們再來研議一下好 就是在公告的時候學經歷其實都會派上去嘛某某人新認識誰就認識誰那麼是不是學經歷其實也可以放下來我相信這個對於宣示資安的部分應該會更有助於資訊透明是 謝謝委員的建議好 謝謝好 謝謝林委員接下來我們請邱志偉委員"},{"start":14892.419,"end":14915.131,"text":"謝謝主席 有請金管會彭主委還有政經局高局長請彭主委 高局長各位局長 第一個問題請教就是台股上三萬點從這個數字我們大概可以看出兩個訊息特定產業發展得非常好"},{"start":14916.141,"end":14932.573,"text":"成為護國神山也好或者是支撐整個台灣經濟的數字成長也好很亮麗的成績第一方面透出一個訊息就是產業發展不均衡"},{"start":14933.936,"end":14959.094,"text":"就是說傳統產業 比方說我的選區所在地鋼鐵 塑化 金屬扣件他們的股價是比15000年的時候還更低所以從這個數字來看我先請教一下主委這個數字你有沒有發現一些隱憂或者有沒有隱含一些風險或你有什麼建議"},{"start":14960.71,"end":14977.917,"text":"我想當然是因為我們大家關注這個指數我們這個指數是按照我們所有上市公司的權重來算的像比如說我們有看到其他國家比如它是以選擇性個股來表達它的指數其實每個指數所呈現出來是不一樣"},{"start":14978.937,"end":14991.525,"text":"那早上也有其他委員問說比如說剛剛委員關切說有些產業雖然說整個好像整個指數往上走的時候它似乎沒有往上走甚至在這個平均數以下大概是這個狀況這個確實也是那我們也"},{"start":14994.347,"end":15021.844,"text":"過去也觀察了就是說這個東西的影響的程度很複雜除了產業的競爭力的消長以外還有整個國際趨勢的這些比如投資趨勢還有這些的改變以外確實大家比較關注的就是說會不會說我們只太著重在某個產業這是牽涉到台灣整個產業國家資源好像在集中在某些產業比如說半導體或者電子產業等一下我要請教一下高仙貴副主委"},{"start":15022.885,"end":15049.616,"text":"所以這個情況就是說透露一些訊息某些產業正往下走不管是面對中國的競爭也好或者生產成本增加也好所以它競爭力大不如前獲利力大不如前這些傳統產業的員工比高科技產業電子業的員工還多很多而且很多是集中在中南部所以他們對股價上3萬點是沒有感覺的"},{"start":15052.102,"end":15081.029,"text":"所以這個部分政府要拿出具體的對策來怎麼扶植在這一波的產業發展過程中所受到最嚴重傷害的相關的產業那我再請教一下高局長你作為一個證券主管機關高局長您覺得站在政協局的角度你有沒有看出什麼隱憂或者你有沒有看出什麼風險"},{"start":15083.29,"end":15094.925,"text":"報告委員那因為管理這個證券市場我們其實就是強調投資人端的話就是提醒投資人在任何階段投資就要注意相關的風險然後要審慎的選擇投資那針對"},{"start":15098.71,"end":15127.729,"text":"市場的部分的話那我們就是要讓所有上市櫃公司的資訊透明那剛剛委員有提到說產業的結構確實產業的結構投資人在投資上有一些改變那我們就是讓市場的資訊充分透明讓投資人可以做選擇那另外就是說可能相關的風險的風控的部分那我們會請券商這一端來做好那個相關的風控就您個人的經驗"},{"start":15128.49,"end":15138.218,"text":"就是說以風險性來看我一直強調要請教您風險性現在的股票市場跟10年前的股票市場風險性是不是提高很多"},{"start":15140.174,"end":15165.029,"text":"如果單就這個股價指數來看的話當然相對的指數變高當然風險也會是增加的所以剛剛有跟委員報告說我們就會請券商在受理投資人投資的時候做好相關的封控提醒投資人相關投資都是要非常審慎的謝謝局長接著我請一下這個高副主委"},{"start":15166.365,"end":15187.141,"text":"就是從這股票指數看到特定產業的確是這個競爭力大不如前成本也大幅提升這種情況政府需要介入去協助國發會有沒有正式針對這個問題我想跟我一樣其實我們大家都知道我們就台灣的產業發展來看我們怎麼樣透過產業發展的均衡"},{"start":15190.563,"end":15207.612,"text":"第一個當然我們還是要續保我們在AI跟半導體的競爭優勢另外一個我們怎麼樣透過AI賦能或是我們協助中小微跟傳產服務業等等做產業轉型跟升級其實很重要其實"},{"start":15209.873,"end":15237.869,"text":"卓院長其實也有提出來說我們有中小微的振興方案以外其實我們AI新時代建設裡面最重要就是要創新運用百工百業的轉型升級那塊很重要第三個就是我們內需產業包括金融業我們的觀光旅遊還有房地產的這些獨耕這一塊這個我們在經紀委會我們都有討論過是 其實有多管齊下再一分鐘"},{"start":15239.189,"end":15260.356,"text":"這個問題就是說國安會你有提出一個兆元投資國家發展方案就是114到117主要是要把民間的資金導向國家的公共建設特別是保險基金保險相關的資金這部分你覺得你們兆元到現在投入多少金管會是要上限4到15%對不對"},{"start":15262.137,"end":15283.562,"text":"可以到5兆左右現在目前投資的狀況怎麼樣這保險局王局長董事長這個這應該是您的主管業務這部分目前投資的狀況以及為什麼會出現有那麼大的落差"},{"start":15285.756,"end":15306.11,"text":"跟委員報告那保險業資金運用其實還是要考慮到他們的就是未來能夠償付保險金所以在一定的投報率啊風險管控等等這些都是他們考慮的因素那落差也太大了你的上限是15%是5兆但你目前你金管會的這個相關的目前的執行進度是資金回流目前只實際占0.5%"},{"start":15308.453,"end":15333.556,"text":"是 那個委員報告一下就是最重要的剛剛其實我們的報告裡頭有講到就是岸緣的部分岸緣的部分我們還是會跟跨部會之間的這些機構來共同來努力那你們未來短期 中期 長期目標希望把這個投資的額度能夠從現在的0.5%可以提升到幾%一年之內 三年之內 五年之內"},{"start":15335.161,"end":15345.924,"text":"這部分我們就是建構有利的一個環境我們有很多的誘因來鼓勵保險業來做投資目前就是誘因不足因為不只單就經管會的責任其實相關部會包括其他的包括國發會經濟部都有相關的比方說國營事業等等"},{"start":15356.667,"end":15367.805,"text":"所以這個部分應該是要站在一個督促的角度然後要請各部會趕快提出足夠的案源讓這個保險基金能夠有足夠的案源可以去投入"},{"start":15369.7,"end":15394.848,"text":"看這個數字的確是很大的落差邱委員 其實剛剛我們這些問題都問過他們 案源不夠那有什麼委員要問的問題我們再順便答覆我們邱委員好不好好 謝謝未來要怎麼樣這一年期的計畫三年期的計畫 五年期的計畫你們提升到多少金額 多少比例是不是可以提供給我相關資料提供給邱委員好 謝謝"},{"start":15397.419,"end":15415.182,"text":"接下來我們請林倩琦委員 林倩琦委員 林倩琦委員不在場下一位蘇清泉委員 蘇清泉委員 蘇清泉委員不在場下一位鄭振淺委員 鄭振淺委員 鄭振淺委員不在場下一位陳冠廷委員 陳冠廷委員 陳冠廷委員不在場"},{"start":15416.107,"end":15438.94,"text":"好 今日登記發言委員均與詢答完畢本次會議做如下決定一 報告及詢答完畢二 委員質詢未及答覆或請補充資訊請相關部會於一週內以書面答覆委員另要求其限則從其鎖定三 委員蘇清泉曾冠廷所提書面質詢列入記錄刊登公報並請相關部會以書面答覆"},{"start":15439.5,"end":15445.848,"text":"四本次會議議程已進行完畢堂友不在場委員補題書面質詢一併列入記錄刊登公報並請議事人員協助處理散會"}]}},"supported_relations":[],"relations":[]}