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09:39:30","會議時間":"2026-07-01T09:00:00+08:00","會議名稱":"立法院第11屆第5會期財政委員會第20次全體委員會議（事由：一、彙總整理提出「中華民國115年度中央政府總預算案審查總報告（公務預算部分）草案」提報院會案。\n二、彙總整理提出「中華民國115年度中央政府總預算案附屬單位預算營業及非營業部分審查總報告草案」提報院會案。\n三、審查本院委員吳秉叡等20人擬具「會計師法部分條文修正草案」案。（詢答及處理）\n四、審查本院委員吳秉叡等21人、委員李彥秀等18人分別擬具「證券交易稅條例第二條之一條文修正草案」等2案。（僅詢答）\n【7月1日及2日二天一次會】）","transcript":{"pyannote":[{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":0.03096875,"end":0.60471875,"speaker_score":0.951},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":16.93971875,"end":24.195968750000002,"speaker_score":0.951},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":24.48284375,"end":25.15784375,"speaker_score":0.951},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":25.37721875,"end":26.457218750000003,"speaker_score":0.951},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":27.402218750000003,"end":28.63409375,"speaker_score":0.951},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":33.44346875,"end":34.67534375,"speaker_score":0.951},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":35.23221875,"end":36.43034375,"speaker_score":0.951},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":36.987218750000004,"end":42.69096875,"speaker_score":0.951},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":42.84284375,"end":45.69471875,"speaker_score":0.951},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":46.11659375,"end":53.59221875,"speaker_score":0.951},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":53.946593750000005,"end":69.31971875,"speaker_score":0.951},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":69.62346875,"end":72.01971875000001,"speaker_score":0.951},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":72.49221875,"end":76.10346875,"speaker_score":0.951},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":76.30596875,"end":85.97534375000001,"speaker_score":0.951},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":86.22846875,"end":92.03346875000001,"speaker_score":0.951},{"speaker":"SPEAKER_00","start":92.03346875000001,"end":102.47909375},{"speaker":"SPEAKER_00","start":102.64784375,"end":106.19159375000001},{"speaker":"SPEAKER_00","start":106.76534375,"end":114.15659375000001},{"speaker":"SPEAKER_00","start":114.54471875,"end":122.71221875},{"speaker":"SPEAKER_00","start":123.25221875000001,"end":146.47221875},{"speaker":"SPEAKER_00","start":146.77596875,"end":161.99721875},{"speaker":"SPEAKER_00","start":162.26721875,"end":163.63409375},{"speaker":"SPEAKER_00","start":164.02221875,"end":177.21846875},{"speaker":"SPEAKER_00","start":177.97784375,"end":181.11659375000002},{"speaker":"SPEAKER_00","start":181.72409375,"end":195.71346875},{"speaker":"SPEAKER_00","start":195.96659375000002,"end":211.79534375},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":204.53909375,"end":205.75409375,"speaker_score":0.951},{"speaker":"SPEAKER_00","start":212.55471875,"end":218.76471875000001},{"speaker":"SPEAKER_00","start":219.25409375,"end":224.01284375},{"speaker":"SPEAKER_00","start":224.40096875,"end":232.04534375},{"speaker":"SPEAKER_00","start":232.50096875000003,"end":248.66721875000002},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":247.01346875000002,"end":247.19909375,"speaker_score":0.951},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":248.78534375,"end":268.56284375,"speaker_score":0.951},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":269.03534375000004,"end":269.06909375000004,"speaker_score":0.951},{"speaker":"SPEAKER_00","start":269.06909375000004,"end":269.69346875},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":269.69346875,"end":269.82846875,"speaker_score":0.951},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":269.98034375000003,"end":270.04784375,"speaker_score":0.951},{"speaker":"SPEAKER_00","start":270.04784375,"end":270.75659375000004},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":270.75659375000004,"end":270.79034375000003,"speaker_score":0.951},{"speaker":"SPEAKER_00","start":271.22909375,"end":276.19034375},{"speaker":"SPEAKER_00","start":276.57846875,"end":278.46846875},{"speaker":"SPEAKER_00","start":278.70471875000004,"end":281.03346875},{"speaker":"SPEAKER_00","start":281.52284375,"end":282.11346875000004},{"speaker":"SPEAKER_00","start":282.19784375,"end":282.23159375},{"speaker":"SPEAKER_00","start":282.28221875,"end":303.13971875000004},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":302.70096875,"end":302.98784375,"speaker_score":0.951},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":303.40971875,"end":308.50596875,"speaker_score":0.951},{"speaker":"SPEAKER_00","start":307.66221875,"end":308.45534375},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":308.77596875,"end":313.55159375,"speaker_score":0.951},{"speaker":"SPEAKER_00","start":311.86409375,"end":312.57284375},{"speaker":"SPEAKER_02","speaker_name":"林委員德福","start":314.12534375,"end":315.13784375,"speaker_score":0.951},{"speaker":"SPEAKER_02","speaker_name":"林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主委長我請教針對2026年國泰釋法董事長郭明健兼職事件引發外界的關注整個公司的治理以及利益衝突的問題並造成整個國泰投信相關的損失那社會上也議論混溫"},{"start":59.321,"end":71.731,"text":"這也是為什麼事件發生後外界都希望金管會能做好把關而且維護投資人權益以健全整個金融的秩序"},{"start":72.557,"end":91.571,"text":"那我請問這個彭主委從本案來看近期軍管會是否也會全面來清查其他這個軍控單位兼職的整個情況來揭露整個資訊以及利益衝突整個管理的機制"},{"start":92.451,"end":112.904,"text":"來個彭主委謝謝委員我想這個我也很關心我想今天在國會這邊我們希望針對製作來討論我們盡量不要針對個案來說明那我想剛剛委員提到一個是非常非常重要的就是我們在管理這個市場的時候那當然一個事件發生以後我們當然就必須要好好的檢視這個過程"},{"start":114.645,"end":120.676,"text":"我想外界對金管會也要求很高那期待也很高我們也責無旁貸我們也會來虛心檢討剛剛我也提到就是說"},{"start":123.325,"end":145.905,"text":"那有幾件事情外界可能有很大的誤解比如說很多人在說我們一月底的時候就重大偶發通報為什麼到六月才精簡我想這裡面重大偶發通報有很多的重要概念比如說它是一個重大是具有重大影響性的偶發它是一個突發的事件必須要它有時效性再來通報它是主動的"},{"start":146.866,"end":161.565,"text":"我想這裡面呢因為是偶發很多的這個內容不是很清楚所以我們在過程當中必須有很多的時間要跟進行了解收集資訊以及跟請我們通報的金融機構做一些"},{"start":162.486,"end":177.014,"text":"那個資訊分享我想這個中間呢會有很多很多的溝通但外界呢就只以說以最後一個一個時間就來說今晚會沒有做做什麼事我想這應該是非常不符合實際啊就以本案而言其實我們過去有"},{"start":179.382,"end":203.98,"text":"對這樣一個金融機構發生這個事情我們至少有三次以上我們進行資料的就是通知他們要補充資料我們有三次約詢他們的人員到會來說明以及維護這個投資人的權益還有像比如說我們有正式發函兩次來處理這件事情那當然有必要的時候我們就進行精檢"},{"start":204.56,"end":231.729,"text":"我想這個是一個整個過程我想剛剛委員提到兩個我覺得有幾件事情我們必須要好好來檢視的就是說剛剛委員提到我們整個內部控制集合制度那其他確實沒有錯這個規定都非常的明確為什麼沒有落實執行這件事情我們要好好來檢討這部分那再來有關兼職的部分我們現在呢也定在我們的負責人資格條件與兼職辦法三之二條非常清楚"},{"start":232.769,"end":246.283,"text":"這個尖子必須要不要妨礙到公司的經營然後再來就是我們要公司要定期的檢視我們也發函請銀行公會也要求他們要落實這樣那當然未來該做什麼檢討我們會不會迴避我們會該檢討就檢討"},{"start":248.826,"end":267.361,"text":"我希望彭主委未來將如何來加強跨機構的監理以避免類似的事件再次的發生對於整個金融控股的這些集團高層兼職的範圍是我有進一步修正跟強化的措施我認為這個很重要"},{"start":269.122,"end":284.66,"text":"其實委員這個這提點是對的就是因為我們過去對於這個我剛才講過我們對那個兼職的個數還有兼職的情形我們是一開始定在就是公司在在面對你的負責人的時候就必須要先確保"},{"start":285.841,"end":311.869,"text":"這個東西要能夠符合公司的他的所謂的職能的發揮再來還要定期的檢視是否能夠符合公司還有沒有利益衝突的問題我想法規很明確那當然這裡外界很期待就是說我們需不需要有做進一步的檢視這我們會來檢視這一部分我希望在這方面那個主委你要多去加強那不要再類似案件又繼續發生那當然那個"},{"start":314.21,"end":332.026,"text":"近年在宅的醫療以門診手術日益的普及越來越多民眾不需要接受住院的治療即可緩假休養然而部分的保護就是保險的這些人反映"},{"start":333.848,"end":360.291,"text":"因原先投保的保單條款能以住院為主要理賠的要件導致接受在宅就在家裡醫療或門診手術後面臨理賠的認定不一致甚至於拒絕理賠引發爭議民眾為了理賠要求住院切可能浪費醫療資源那本席是希望軍管會"},{"start":361.312,"end":380.743,"text":"你能夠督導保險業者在兼顧保護的權益跟保險精算的風險下能夠彈性的來理賠以促進醫療資源有效的運用那主委啊在保險業者言商跟保險業者言商後是否將檢討現行保單理賠的認定標準一"},{"start":384.965,"end":403.893,"text":"時期更符合整個醫療發展的趨勢是 剛剛謝委員剛剛委員提到那個我也非常認同委員的看法畢竟我們很多的醫療保單可能都十幾二十年前簽訂的那整個醫療環境 醫療技術跟醫療成本都有很大的不同"},{"start":404.741,"end":426.32,"text":"我想在過去金管會保險局也非常關心這個議題我們也非常多次的機會跟業者跟衛福部進行這樣一個溝通我們希望能夠找到一個好的方向因為這兩個很重要的原則必須要兼顧一個就是我們商業保險的對價橫貧原則再來就是一個我們客戶購買一張保單的公平合理原則"},{"start":427.401,"end":453.776,"text":"所以就剛剛委員提到就像我們在有些疾病過去可能都是一定要住院的後來改成因為我們的醫療環境整個改變而不用住院最典型就是像白內障手術這部分即便條文規定要住院我們也都用溶通的方式給予理賠但是這一部分還有什麼類似像這樣的話我們也正在跟衛福部協商看有沒有什麼類似這樣的一個我們有共識的部分因為醫療進步了"},{"start":455.177,"end":478.692,"text":"那符合公平合理原則我們來公平合理這個客戶的投保的權益那至於其他很多的這些比如說未來的在宅醫療或是一日住院我們都跟衛福部跟業者在密切的協商希望能夠儘早尋求到一個大家能夠有共識的解決主委啊因為我認為說整個這個你過去的"},{"start":483.135,"end":511.556,"text":"保險跟現在時空環境不一樣要與時俱進啦你不要停留在過去會得怎麼樣在宅醫療的保單未來是醫療保險的主流商品現在的話因為現在主要是因為這是新的東西商品的設計商業保險商品設計一定要有一些所謂的這個發聲率或這些資料所以我們也跟衛福部合作現在已經有保險公司在試辦在送件試辦這樣的產品"},{"start":512.677,"end":531.97,"text":"我希望就是儘管會在這方面多去琢磨多用一點心讓這些保護能夠得到相對的保障這個很重要主委因為受到AI半導體產業的需求台股指數上半年從1月2日29349點到6月底46125點"},{"start":540.136,"end":547.99,"text":"這個漲勢非常的驚人證交稅貢獻國庫也不少許多專家都認為說台股有機會看上五萬點但"},{"start":550.185,"end":569.84,"text":"在此時我們也可以在市場上看到越來越多專家或機構來提醒例如整個國際清算銀行BIS警告人工智慧AI產業存在泡沫的收場的有那種可能性全球金融市場以經濟"},{"start":571.641,"end":595.351,"text":"都會被拖下水展望下半年除了美伊的談判美國跟伊朗的談判美國原準會升息與火美國其中的選舉等三大的風險可能會影響全球股市經濟外我請問主委還有可能在哪些國際金融風險或黑天鵝需要我們去關注"},{"start":596.21,"end":618.845,"text":"謝謝委員我想在很多次委員都非常關心這個議題那我想我們在很多場合也說因為資本市場特別是股市啊本來就是它充滿了很多的不確定性所以我們在很多的地方也我們在每次的在委員會都有提到我們要謹慎投資注意風險管理我想剛才我們也在多次提到不管是以台灣的現在的狀況地緣政治國際經濟還有像我們這些產業的發展這個都是我們必須關注的議題"},{"start":624.906,"end":636.652,"text":"好那個我請財政部那個陳次長最後一題陳次長來次長財政部啊整個五月"},{"start":638.412,"end":644.116,"text":"這個公布5月的總稅收5770億元5770那年增率是84%其中證交稅5月就收入704億元連3月連續3月創單月的新高先前審查財政部115年度稅錄部分時經過財委會協商後將稅"},{"start":665.461,"end":675.496,"text":"稅客收入增列為六千億元那稅收增加的六千億元就財政部所知啊行政院未來會如何規劃你認為勒"},{"start":678.254,"end":698.788,"text":"好 謝謝召委 謝謝連委員的一個指教我想貴委員會上次增加的六千億的部分我想從原來我們編列的預算案裡面其實本來的一個收支差短大概有大概有一千六百五十六億左右那至於說所謂的一個按照公共債務法要"},{"start":699.908,"end":712.602,"text":"還本的大概有1200億左右兩個加起來接近大概3000億左右所以說先還舉債是不是所以兩個3000億造成說我們經營就不需要再舉借了那其他的部分你像會不會撥補中油台電這些虧損會不會"},{"start":714.383,"end":733.188,"text":"我想這個部分我們稅計剩餘每年度的收支的我剛剛提到的我們不用舉借了之外未來我們這個收支有剩餘的時候我們要經過審計部的一個審核核定之後我們到了年度的結束的時候會累積剩餘這個累積剩餘就要未來"},{"start":733.928,"end":760.384,"text":"我們就看看 因為這個還是要經過大院的一個決議 未來怎麼運用那先規劃 舉債先還我認同因為你不能一直舉債啊 對不對那你這個債台高築債留子孫我們希望都舉債優先 接下來你還要有一些計畫未來這些有這麼多的稅收收入等於是我們多收的那你要有一些規劃"},{"start":761.725,"end":765.529,"text":"謝謝林委我們會朝著健全財政的方向來處理好不好謝謝"}],"gazette":[{"speaker":"林委員德福","start":"2026-07-01T09:26:44+08:00","guessed":true,"end":"2026-07-01T09:26:45+08:00","text":"謝謝主席。","quality":0},{"speaker":"林委員德福","start":"2026-07-01T09:26:45+08:00","guessed":true,"end":"2026-07-01T09:26:46+08:00","text":"首先請金管會彭主委。","quality":0},{"speaker":"主席","start":"2026-07-01T09:26:44.029000+08:00","guessed":false,"end":"2026-07-01T09:26:44.189000+08:00","text":"請金管會彭主委。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:27:17.459000+08:00","guessed":false,"end":"2026-07-01T09:27:17.619000+08:00","text":"委員，早安。","quality":0.75},{"speaker":"林委員德福","start":"2026-07-01T09:27:18.180000+08:00","guessed":false,"end":"2026-07-01T09:27:18.320000+08:00","text":"主委早。","quality":0.667},{"speaker":"林委員德福","start":"2026-07-01T09:27:22.423000+08:00","guessed":false,"end":"2026-07-01T09:27:40.798000+08:00","text":"針對2026年國泰世華董事長郭明鑑兼職事件引發外界關注整個公司的治理以及利益衝突問題，並造成國泰投信損失，社會上也議論紛紛。","quality":0.909},{"speaker":"林委員德福","start":"2026-07-01T09:27:43.321000+08:00","guessed":false,"end":"2026-07-01T09:27:55.711000+08:00","text":"這也是為什麼事件發生後，外界都希望金管會能做好把關，而且維護投資人權益與健全金融秩序。","quality":0.975},{"speaker":"林委員德福","start":"2026-07-01T09:27:59.379000+08:00","guessed":false,"end":"2026-07-01T09:28:15.551000+08:00","text":"請問彭主委，從本案來看，近期金管會是否也會全面清查其他金控單位兼職的情況，揭露資訊以及利益衝突的管理機制？","quality":0.939},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:28:17.552000+08:00","guessed":false,"end":"2026-07-01T09:28:18.012000+08:00","text":"謝謝委員。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:28:18.012000+08:00","guessed":false,"end":"2026-07-01T09:28:25.897000+08:00","text":"我想委員很關心，今天我們希望在國會能針對制度來討論，儘量不要針對個案說明。","quality":0.735},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:28:26.978000+08:00","guessed":false,"end":"2026-07-01T09:28:36.884000+08:00","text":"剛剛委員提到一個非常、非常重要的，我們在管理市場發生一個事件以後，當然就必須要好好檢視這個過程。","quality":0.955},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:28:39.206000+08:00","guessed":false,"end":"2026-07-01T09:28:44.015000+08:00","text":"外界對金管會的要求很高，期待也很高，我們責無旁貸，也會虛心檢討。","quality":0.964},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:28:44.015000+08:00","guessed":false,"end":"2026-07-01T09:28:58.075000+08:00","text":"包括剛才委員也提到，有幾件事情外界可能有很大的誤解，比如很多人在說我們1月底的時候就有重大偶發通報，為什麼到6月才金檢？","quality":0.852},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:28:58.595000+08:00","guessed":false,"end":"2026-07-01T09:29:09.885000+08:00","text":"我想重大偶發通報有很多重要的概念，比如它是一個具有重大影響性的；偶發是一個突發的事件，有時效性；再來，通報是主動的。","quality":0.981},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:29:11.687000+08:00","guessed":false,"end":"2026-07-01T09:29:27.286000+08:00","text":"因為這是偶發，裡面很多的內容不是很清楚，所以我們在過程當中，必須有很多的時間來進行了解、蒐集資訊，以及請通報的金融機構做一些資訊分享。","quality":0.918},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:29:28.587000+08:00","guessed":false,"end":"2026-07-01T09:29:38.692000+08:00","text":"這個中間會有很多、很多的溝通，但外界只以最後一個時間點就來質疑金管會沒有做什麼事情，這應該是非常不符合實際的！","quality":0.863},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:29:39.293000+08:00","guessed":false,"end":"2026-07-01T09:30:05.218000+08:00","text":"就以本案而言，其實過去金融機構發生這樣的事情，我們至少有三次以上通知他們要補充資料，我們有三次約詢他們的人員到會說明以及維護投資人的權益，還有像我們有正式發函兩次來處理這件事情。","quality":0.976},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:30:06.078000+08:00","guessed":false,"end":"2026-07-01T09:30:10.481000+08:00","text":"當然有必要的時候，我們就進行金檢，這是一整個過程。","quality":0.955},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:30:11.501000+08:00","guessed":false,"end":"2026-07-01T09:30:24.545000+08:00","text":"剛剛委員提到兩個，我覺得有幾件事情，我們必須要好好來檢視，剛才委員提到我們有內部控制稽核制度，確實沒有錯，這個規定都非常明確，為什麼沒有落實執行？","quality":0.939},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:30:24.965000+08:00","guessed":false,"end":"2026-07-01T09:30:27.506000+08:00","text":"這件事情我們要好好來檢討。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:30:28.586000+08:00","guessed":false,"end":"2026-07-01T09:30:48.041000+08:00","text":"再來，有關兼職的部分，我們現在在銀行負責人應具備資格條件兼職限制及應遵行事項準則第3-2條也訂定得非常清楚，兼職必須不妨礙到公司經營，再來就是公司要定期檢視，我們也發函請銀行公會，要求他們要落實。","quality":0.75},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:30:48.181000+08:00","guessed":false,"end":"2026-07-01T09:30:50.283000+08:00","text":"當然未來該做什麼檢討，我們不會迴避，我們會該檢討就檢討。","quality":1},{"speaker":"林委員德福","start":"2026-07-01T09:30:53.947000+08:00","guessed":false,"end":"2026-07-01T09:31:00.812000+08:00","text":"彭主委，未來將如何加強跨機構的監理，以避免類似事件再次發生？","quality":1},{"speaker":"林委員德福","start":"2026-07-01T09:31:01.653000+08:00","guessed":false,"end":"2026-07-01T09:31:10.560000+08:00","text":"對於這些金融控股集團高層兼職的範圍，是否有進一步修正跟強化的措施？","quality":0.903},{"speaker":"林委員德福","start":"2026-07-01T09:31:11.121000+08:00","guessed":false,"end":"2026-07-01T09:31:11.341000+08:00","text":"我認為這個很重要。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:31:13.122000+08:00","guessed":false,"end":"2026-07-01T09:31:16.106000+08:00","text":"是，其實委員的提點是對的。","quality":0.818},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:31:18.048000+08:00","guessed":false,"end":"2026-07-01T09:31:40.925000+08:00","text":"我剛才講過，我們對兼職的個數還有兼職的情形，一開始是規範在公司面對負責人的時候，就必須先確保這個東西要能夠符合他在公司職能的發揮，再來還要定期檢視是否能夠符合公司經營，還有沒有利益衝突的問題，我想法規很明確。","quality":0.928},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:31:41.145000+08:00","guessed":false,"end":"2026-07-01T09:31:46.686000+08:00","text":"當然外界很期待我們需不需要進一步檢視，我們會來檢視這部分。","quality":1},{"speaker":"林委員德福","start":"2026-07-01T09:31:47.487000+08:00","guessed":false,"end":"2026-07-01T09:31:55.669000+08:00","text":"好，我希望主委在這方面要多加強，不要讓類似案件又繼續發生。當然。","quality":0.857},{"speaker":"林委員德福","start":"2026-07-01T09:31:58.210000+08:00","guessed":false,"end":"2026-07-01T09:32:42.189000+08:00","text":"近年在宅醫療與門診手術日益普及，越來越多民眾不要接受住院治療即可返家休養，然而部分保險的保戶反映，因原先投保的保單條款仍以住院為主要的理賠要件，導致接受在宅醫療或門診手術後面臨理賠的認定不一致，甚至於拒絕理賠引發爭議，民眾為了理賠要求住院，卻可能浪費醫療資源。","quality":0.934},{"speaker":"林委員德福","start":"2026-07-01T09:32:43.150000+08:00","guessed":false,"end":"2026-07-01T09:32:57.379000+08:00","text":"本席希望金管會能夠督導保險業者，在兼顧保戶權益跟保險精算的風險下，能夠彈性理賠，以促進醫療資源有效運用。","quality":0.958},{"speaker":"林委員德福","start":"2026-07-01T09:32:59.380000+08:00","guessed":false,"end":"2026-07-01T09:33:12.867000+08:00","text":"在跟保險業者研商後，是否將檢討現行保單理賠的認定標準，使其更符合醫療發展的趨勢？","quality":0.919},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:33:14.687000+08:00","guessed":false,"end":"2026-07-01T09:33:15.508000+08:00","text":"謝謝委員。","quality":0.75},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:33:15.508000+08:00","guessed":false,"end":"2026-07-01T09:33:27.873000+08:00","text":"有關剛剛委員提到的，我也非常認同委員的看法，畢竟很多醫療保單可能都是十幾、二十年前簽訂的，整個醫療環境、醫療技術跟醫療成本都有很大的不同。","quality":0.937},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:33:29.462000+08:00","guessed":false,"end":"2026-07-01T09:33:39.991000+08:00","text":"過去金管會保險局也非常關心這個議題，也有非常多次的機會跟業者、衛福部進行溝通，我們希望能夠找到一個好的方向。","quality":0.98},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:33:40.652000+08:00","guessed":false,"end":"2026-07-01T09:33:50.320000+08:00","text":"因為這有兩個很重要的原則必須要兼顧，一個就是商業保險的對價衡平原則，再來一個就是客戶購買保單的公平合理原則。","quality":0.902},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:33:51.601000+08:00","guessed":false,"end":"2026-07-01T09:34:09.912000+08:00","text":"就像剛剛委員提到的，有些疾病過去可能都一定要住院，因為醫療環境整個改變而不用住院，最典型的就是白內障手術，即便條文規定要住院，也都用融通的方式給予理賠。","quality":0.943},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:34:12.593000+08:00","guessed":false,"end":"2026-07-01T09:34:20.998000+08:00","text":"我們也正在跟衛福部協商，看這部分還有什麼類似的能有共識，因為醫療進步了，讓客戶投保的權益符合公平合理原則。","quality":0.735},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:34:27.442000+08:00","guessed":false,"end":"2026-07-01T09:34:41.632000+08:00","text":"至於其他很多比如未來的在宅醫療或是一日住院，我們都跟衛福部及業者密切協商，希望大家能夠儘早尋求到共識來解決。對啊！","quality":0.906},{"speaker":"林委員德福","start":"2026-07-01T09:34:42.132000+08:00","guessed":false,"end":"2026-07-01T09:34:53.340000+08:00","text":"因為我認為過去的保險跟現在時空環境不一樣，所以要與時俱進，不要停留在過去。","quality":0.941},{"speaker":"林委員德福","start":"2026-07-01T09:34:55.101000+08:00","guessed":false,"end":"2026-07-01T09:34:59.965000+08:00","text":"在宅醫療保單未來是不是醫療保險的主流商品？","quality":0.9},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:35:02.086000+08:00","guessed":false,"end":"2026-07-01T09:35:15.536000+08:00","text":"因為這是新的東西，商業保險商品設計一定要有一些所謂發生率的資料，所以我們也跟衛福部合作，現在已經有保險公司在送件試辦這樣的產品。","quality":0.95},{"speaker":"林委員德福","start":"2026-07-01T09:35:16.677000+08:00","guessed":false,"end":"2026-07-01T09:35:27.844000+08:00","text":"我希望金管會在這方面多著墨、多用一點心，讓這些保戶能夠得到相對的保障，這很重要。","quality":0.889},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:35:27.844000+08:00","guessed":true,"end":"2026-07-01T09:35:30.466000+08:00","text":"當然，這是我們努力的目標。","quality":0},{"speaker":"林委員德福","start":"2026-07-01T09:35:30.466000+08:00","guessed":false,"end":"2026-07-01T09:36:39.331000+08:00","text":"因為受到AI半導體產業需求激勵，臺股指數上半年從1月2日2萬9,349點到6月底4萬6,125點，漲勢非常驚人，證交稅貢獻國庫也不少，許多專家都認為臺股有機會上看5萬點，但此時我們也可以在市場上看到越來越多專家或機構提醒，例如國際清算銀行BIS警告人工智慧AI產業存在泡沫收場的可能性，全球金融市場都會被拖下水，展望下半年，除了美國跟伊朗談判、美國聯準會升息與否及美國期中選舉等三大風險可能會影響全球股市經濟外，請問主委可能還有哪些國際金融風險或黑天鵝需要我們關注？","quality":0.923},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:36:40.210000+08:00","guessed":false,"end":"2026-07-01T09:36:40.550000+08:00","text":"謝謝委員。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-07-01T09:36:41.211000+08:00","guessed":false,"end":"2026-07-01T09:37:02.845000+08:00","text":"委員很多次都非常關心這個議題，我們在很多場合也說，因為資本市場本來就充滿了很多的不確定性，特別是股市，所以我們每次在委員會都有提到，我們要謹慎投資注意風險管理，我們也多次提到不管是以臺灣現在的狀況，地緣政治、國際經濟，還有像我們這些產業的發展，這個都是我們必須關注的議題。","quality":0.944},{"speaker":"林委員德福","start":"2026-07-01T09:37:08.906000+08:00","guessed":false,"end":"2026-07-01T09:37:12.668000+08:00","text":"好，最後一題，我請財政部陳次長。","quality":0.692},{"speaker":"主席","start":"2026-07-01T09:37:16.009000+08:00","guessed":false,"end":"2026-07-01T09:37:17.190000+08:00","text":"請陳次長。","quality":0.75},{"speaker":"林委員德福","start":"2026-07-01T09:37:17.190000+08:00","guessed":false,"end":"2026-07-01T09:37:59.356000+08:00","text":"次長，財政部公布整個5月的總稅收5,770億元，年增率是84%，其中證交稅5月就收入704億元，連續3月創單月新高，先前審查財政部115年度歲入部分時，經過財委會協商後，將稅課收入增列為6,000億元，稅收增加的6,000億元，就財政部所知，行政院未來會如何規劃？","quality":0.918},{"speaker":"林委員德福","start":"2026-07-01T09:37:59.356000+08:00","guessed":false,"end":"2026-07-01T09:37:59.476000+08:00","text":"你認為呢？","quality":0.75},{"speaker":"陳次長勇勝","start":"2026-07-01T09:38:02.254000+08:00","guessed":false,"end":"2026-07-01T09:38:04.295000+08:00","text":"好，謝謝召委。","quality":1},{"speaker":"陳次長勇勝","start":"2026-07-01T09:38:05.836000+08:00","guessed":false,"end":"2026-07-01T09:38:27.452000+08:00","text":"謝謝林委員的指教，貴委員會協商上次增加6,000億的部分，我想從原來我們編列的預算案裡面，其實本來的收支差短大概有1,656億左右，至於所謂按照公共債務法要還本的大概1,200億左右，兩個加起來接近大概3,000億左右。","quality":0.92},{"speaker":"林委員德福","start":"2026-07-01T09:38:27.592000+08:00","guessed":false,"end":"2026-07-01T09:38:29.174000+08:00","text":"所以先還舉債是不是？","quality":1},{"speaker":"陳次長勇勝","start":"2026-07-01T09:38:29.454000+08:00","guessed":false,"end":"2026-07-01T09:38:32.518000+08:00","text":"是，所以兩個3,000億造成今年我們就不需要再舉借。","quality":0.8},{"speaker":"林委員德福","start":"2026-07-01T09:38:33.178000+08:00","guessed":false,"end":"2026-07-01T09:38:36.582000+08:00","text":"其他的部分，你現在會不會撥補中油、台電這些虧損？","quality":0.857},{"speaker":"林委員德福","start":"2026-07-01T09:38:36.582000+08:00","guessed":false,"end":"2026-07-01T09:38:36.602000+08:00","text":"會不會？","quality":1},{"speaker":"陳次長勇勝","start":"2026-07-01T09:38:38.383000+08:00","guessed":false,"end":"2026-07-01T09:39:01.690000+08:00","text":"我想這個部分有關歲計賸餘及每年度收支的……我剛剛提到了，我們不用舉借之外，未來我們的收支有賸餘的時候，我們要經過審計部的審核核定之後，到了年度結束的時候會累積賸餘，這個累積賸餘到未來我們就要看看，因為這個還是要經過大院的決議，有關未來怎麼運用。","quality":0.875},{"speaker":"林委員德福","start":"2026-07-01T09:39:02.051000+08:00","guessed":false,"end":"2026-07-01T09:39:08.855000+08:00","text":"我知道，要先規劃，舉債先還我認同，因為你不能一直舉債，對不對？","quality":0.846},{"speaker":"林委員德福","start":"2026-07-01T09:39:10.156000+08:00","guessed":false,"end":"2026-07-01T09:39:24.384000+08:00","text":"債財高築、債留子孫，我們希望舉債優先，接下來你還要有一些計畫，未來有這麼多的稅收、收入，等於是我們多收的，你要有一些規劃。","quality":0.981},{"speaker":"陳次長勇勝","start":"2026-07-01T09:39:25.725000+08:00","guessed":false,"end":"2026-07-01T09:39:29.509000+08:00","text":"謝謝林委員，我們會朝著健全財政的方向來處理，好不好？","quality":0.957},{"speaker":"林委員德福","start":"2026-07-01T09:39:29.529000+08:00","guessed":false,"end":"2026-07-01T09:39:29.529000+08:00","text":"好，謝謝。謝謝。","quality":0.4},{"speaker":"主席","start":"2026-07-01T09:39:30.029000+08:00","guessed":true,"end":"2026-07-01T09:39:34.314714+08:00","text":"下一位質詢委員請賴士葆委員質詢。","quality":0}]}},"supported_relations":[],"relations":[]}