| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/8c08b8ebdc8e30656c68b68fbc7128243464761d5dfc4adcf31331746fe9cf80ea2fa0b0c1a4ccb95ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
邱志偉 |
| 委員發言時間 |
11:52:50 - 12:01:53 |
| 影片長度 |
543 |
| 會議時間 |
2024-10-17T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第2會期財政委員會第2次全體委員會議（事由：一、邀請中央銀行楊總裁金龍率所屬單位主管暨財金資訊股份有限公司董事長列席業務報告，並備質詢。
二、邀請中央銀行楊總裁金龍就「第七波選擇性信用管制之配套措施」進行專題報告，並備質詢。
【10月16日及17日二天一次會】） |
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| transcript.whisperx[0].start |
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總裁早9月19日理事會召開然後做第七次第七度信用管制措施的決議那你們協處措施是10月9日才發布我是建議這個方向是正確但是你應當是跟協處措施一起公告才對 |
| transcript.whisperx[1].start |
30.665 |
| transcript.whisperx[1].end |
42.515 |
| transcript.whisperx[1].text |
協處措施啊是你隔日當近大概20天左右協處措施啊對排除條款架喔對因為你九月十九做這個管理料 |
| transcript.whisperx[2].start |
43.985 |
| transcript.whisperx[2].end |
67.72 |
| transcript.whisperx[2].text |
市場或購屋者需求端或供給端對你們這個管制具體的內容並不是那麼了解所以說應當未來有重大的決策的時候應當同步針對協助措施應當你們要設想好要同時公告比如哪些是排除的、繼承的、換屋者的 |
| transcript.whisperx[3].start |
72.023 |
| transcript.whisperx[3].end |
97.284 |
| transcript.whisperx[3].text |
總總,那你的牌組條款要一併出來,不然二十幾天大家問了問了,總裁你有什麼看法?我覺得委員講的也沒有錯啦,就是說協處的措施如果說在那個當時一併提出來,我想那是理想啦,不過呢 |
| transcript.whisperx[4].start |
98.324 |
| transcript.whisperx[4].end |
124.222 |
| transcript.whisperx[4].text |
協處措施基本上呢是銀行在執行的時候這是比較細節一點的啦所以呢也就是說我們在做這個選擇性信用管制的時候呢協處措施只是比較是執行面比較細節面所以呢這個在我們的這個管制措施要宣布的當時呢我們是不會就是說馬上因為這個裡面呢會涉及到就是說 |
| transcript.whisperx[5].start |
125.183 |
| transcript.whisperx[5].end |
139.828 |
| transcript.whisperx[5].text |
不只是說是協處措施還有報告就是說很個別的個別的案件那這個是個別的案件就會很多那這個都是很細節我覺得三大排除族群那個時候你們應該試想不過我跟委員報告 |
| transcript.whisperx[6].start |
140.988 |
| transcript.whisperx[6].end |
155.867 |
| transcript.whisperx[6].text |
像譬如說換屋換屋的話呢第一個我們上一次我們換屋的協助措施我們就已經有啦那我們只是說我們除了就換屋以外呢我們也再聽聽一下看看有哪些的譬如說繼繼承的 |
| transcript.whisperx[7].start |
157.429 |
| transcript.whisperx[7].end |
157.449 |
| transcript.whisperx[7].text |
韓國瑜議員 |
| transcript.whisperx[8].start |
184.04 |
| transcript.whisperx[8].end |
200.991 |
| transcript.whisperx[8].text |
這個這個下去第七波下去對這個這一項的一個新新設的一個限制呢下去的時候呢那我玩第一個就他就會他就會反映出來這個你們是政策的這個制定者但是你對這個政策下去所所做的相關的影響 |
| transcript.whisperx[9].start |
201.932 |
| transcript.whisperx[9].end |
220.172 |
| transcript.whisperx[9].text |
你們應該做事前的評估不過就是說委員的建議是對的啦是不是沒有錯啦不過呢我總覺得我們的補救措施也不是說很慢譬如說我們一個月以後這並不是這種補救措施你們在政策推出來之前 |
| transcript.whisperx[10].start |
220.672 |
| transcript.whisperx[10].end |
238.773 |
| transcript.whisperx[10].text |
我們所說的影響要有一個分析．然後把這些趕快一併公告．是是是 這個我們下一次我們來考量考量好不好這個也沒有提到說一定要馬上見急履急因為有很多你要先跟這個銀行端先溝通好 |
| transcript.whisperx[11].start |
239.473 |
| transcript.whisperx[11].end |
239.753 |
| transcript.whisperx[11].text |
邱俊仁議員 |
| transcript.whisperx[12].start |
261.98 |
| transcript.whisperx[12].end |
267.624 |
| transcript.whisperx[12].text |
那你這個你針對換屋者可以先買後賣嘛一年的期限嘛那決定權是在銀行端對不對 |
| transcript.whisperx[13].start |
278.049 |
| transcript.whisperx[13].end |
281.913 |
| transcript.whisperx[13].text |
一年的時候呢我們就說銀行呢你就是必須要做這樣的一個管制 |
| transcript.whisperx[14].start |
293.286 |
| transcript.whisperx[14].end |
308.686 |
| transcript.whisperx[14].text |
我們如果說做真和協主措施的時候我們會公告而且我們會通知銀行所以我們在專題報告裡面我們的附件這邊Q&A主要的就是要告訴銀行你就是根據這個來辦理 |
| transcript.whisperx[15].start |
310.695 |
| transcript.whisperx[15].end |
337.973 |
| transcript.whisperx[15].text |
對啦,他說銀行得取消寬限期收回貸款本金或貸款成數的差額,對喔,不是,因喔,這為銀行端沒點是完全的叫你的機器來驚喔是,由銀行來決定啦,我們是希望他這樣做啦如果說,啊好啦,我這個,我比較,我比較仁慈一點,我給你一年兩個月,一年三個月,或者給你兩年,這樣可以嗎? |
| transcript.whisperx[16].start |
340.635 |
| transcript.whisperx[16].end |
358.789 |
| transcript.whisperx[16].text |
我想我們如果說是規定一年除非他有特別的一個原因那特別的原因銀行會告訴我們我們如果說我們了解之後覺得就是說他的這個個案是非常特殊的非常特殊的話也許可以延長 |
| transcript.whisperx[17].start |
361.492 |
| transcript.whisperx[17].end |
384.689 |
| transcript.whisperx[17].text |
這個就是說個案有些時候個案是非常複雜的。不是,有些時候那個房子是要用都更為牢,不是那麼簡單說我請你也可以選擇。這個委員我們會考量,我們會考量。這個部分個案也有個案的這個排除性。是是是,個案有個案它的困難性。以簽約的,自然的以簽約的,這個可以排除。 |
| transcript.whisperx[18].start |
385.59 |
| transcript.whisperx[18].end |
412.504 |
| transcript.whisperx[18].text |
那所謂簽約是跟銀行端簽約還是跟建設公司簽約?不,跟建設公司簽約它是另外一塊的簽約那跟銀行的簽約是又跟銀行的簽約它這兩個,不過不是,因為它不是簽約,它就是說只要你的我們的管制措施是這樣子如果說你到時候你 |
| transcript.whisperx[19].start |
415.307 |
| transcript.whisperx[19].end |
427.841 |
| transcript.whisperx[19].text |
你簽訂契約那進來這裡的時候呢跟銀行申請就是一樣的都可以都可以收到我跟這個在920之前919之前我就已經跟這個金正恩簽約了 |
| transcript.whisperx[20].start |
428.962 |
| transcript.whisperx[20].end |
429.583 |
| transcript.whisperx[20].text |
定金也付了。 |
| transcript.whisperx[21].start |
446.436 |
| transcript.whisperx[21].end |
460.232 |
| transcript.whisperx[21].text |
那這個我跟委員報告只要就是說你是第一戶第二戶你進來銀行那就沒有問題如果說你第三戶第四戶第五戶的那些的話那你就要根據你要根據那個定型化契約去走 |
| transcript.whisperx[22].start |
461.311 |
| transcript.whisperx[22].end |
488.785 |
| transcript.whisperx[22].text |
定型化契約因為內政部他有公告一個你買方跟建設公司他簽訂的一個契約如果說雙方這個這個我們在我們的新聞稿裡面我們也有我們也有PO出來啊這是內政部他所管轄的一個範圍這個定型化契約裡面他的約定那那是要規則於誰所以呢也就是說他的契約裡面他就會訂定啊 |
| transcript.whisperx[23].start |
490.734 |
| transcript.whisperx[23].end |
498.838 |
| transcript.whisperx[23].text |
如果說這個部分我把相關的資料我給委員參考我私下我給委員參考對那如果如果說是不是不可規則於雙方的話那這樣的話就要根據這個定型的話契約來走 |
| transcript.whisperx[24].start |
512.421 |
| transcript.whisperx[24].end |
526.698 |
| transcript.whisperx[24].text |
那這個有規定那我們把這個規定送給委員參考就是說我的結論就是說協處跟你的政策這個管制作為你要一併出來這個我們來研究研究好謝謝 |
| transcript.whisperx[25].start |
531.155 |
| transcript.whisperx[25].end |
541.111 |
| transcript.whisperx[25].text |
好,謝謝這位委員。葉延芝、葉延芝、葉延芝委員不在。高金素美、高金素美、高金素美委員不在。好,本席在這裡報。 |
| gazette.lineno |
967 |
| gazette.blocks[0][0] |
邱委員志偉：（11時52分）謝謝主席，有請楊總裁。 |
| gazette.blocks[1][0] |
主席：請總裁。 |
| gazette.blocks[2][0] |
楊總裁金龍：邱委員早。 |
| gazette.blocks[3][0] |
邱委員志偉：總裁早，9月19日理事會召開，作成第七次信用管制措施的決議。 |
| gazette.blocks[4][0] |
楊總裁金龍：是。 |
| gazette.blocks[5][0] |
邱委員志偉：你們協處措施是10月9日才發布，這個方向是正確的，但是你應該跟協處措施一起公告才對，你的協處措施隔了將近20天左右。9月19日作了決議之後，市場或購屋者、需求端或供給端對你們管制的具體內容並不是那麼了解，所以未來有重大決策的時候，應當同步針對協處措施，你們要設想好，要同時公告，例如哪些是排除的，繼承的、換屋者種種，排除條款要一併出來，不然那二十幾天大家問來問去，總裁有什麼看法？ |
| gazette.blocks[6][0] |
楊總裁金龍：我覺得委員講的也沒有錯，協處的措施如果在當時一併提出來，我想那是理想，不過協處措施基本上是銀行在執行的時候，這是比較細節一點的，也就是說我們在做選擇性信用管制的時候，協處措施比較是執行面、比較細節面，所以在管制措施要宣布的當時，我們不會馬上……因為這裡面會涉及到不只是協處措施，還包括很個別的案件，個別的案件就會很多，這都是很細節的。 |
| gazette.blocks[7][0] |
邱委員志偉：最起碼我覺得三大排除族群那時候你們應該設想到。 |
| gazette.blocks[8][0] |
楊總裁金龍：像換屋的話，第一個，上一次我們就已經有換屋的協處措施，除了換屋以外，我們再聽聽有哪些狀況，例如繼承的部分，因為我們在6月以前都沒有把繼承放在裡面，因為那時候我們沒有對有第一戶房子做寬限期的限制，所以以前我們對於繼承就不會考慮這些。但是等到我們第七波下去，這個新設的限制下去時，它就會反應出來。 |
| gazette.blocks[9][0] |
邱委員志偉：你們是政策的制訂者，對於政策下去所受的相關影響應該做事前的評估。 |
| gazette.blocks[10][0] |
楊總裁金龍：委員的建議是對的，不過我總覺得我們的補救措施也不是說很慢，例如我們1個月以後…… |
| gazette.blocks[11][0] |
邱委員志偉：不只是補救措施，你們政策推出來之前，對於所受的影響要有個分析，然後把這些一併公告。 |
| gazette.blocks[12][0] |
楊總裁金龍：我們下一次來考量。 |
| gazette.blocks[13][0] |
邱委員志偉：這也沒有急到要馬上劍及履及，因為有很多要先跟銀行端溝通好，看會產生哪些問題，你也聽聽銀行界的意見，你也問問購屋需求者的想法和有哪些窒礙難行的地方，你沒有想到這些，最後在很多的壓力之下，你們才提出協處措施。 |
| gazette.blocks[14][0] |
楊總裁金龍：沒有接受很多的壓力之下，沒有。好，我們來study一下。 |
| gazette.blocks[15][0] |
邱委員志偉：針對換屋者可以先買後賣，有1年的期限嘛！ |
| gazette.blocks[16][0] |
楊總裁金龍：是。 |
| gazette.blocks[17][0] |
邱委員志偉：決定權在銀行端，對不對？ |
| gazette.blocks[18][0] |
楊總裁金龍：如果我們做了這樣的決定，1年的時間，銀行就必須要做這樣的管制、做這樣的限制，做這樣的協處措施的時候，我們會公告，而且會通知銀行，所以我們在專題報告裡面，我們的附件Q＆A主要就是要告訴銀行，他們要根據這個來辦理。 |
| gazette.blocks[19][0] |
邱委員志偉：它說銀行得取消寬限期、收回貸款本金或貸款成數的差額，不是「應」喔！銀行端不一定完全照你的指示走。 |
| gazette.blocks[20][0] |
楊總裁金龍：是，由銀行來決定，我們是希望他們這樣做。 |
| gazette.blocks[21][0] |
邱委員志偉：如果我比較仁慈一點，可能給你1年2個月、1年3個月，或者給你2年，這樣可以嗎？ |
| gazette.blocks[22][0] |
楊總裁金龍：我們如果規定1年，除非它有特別的原因，銀行會告訴我們，我們了解之後覺得這個個案是非常特殊的，也許可以延長，有時候有些個案是非常複雜的。 |
| gazette.blocks[23][0] |
邱委員志偉：有的房子是都更危老的，不是簡單1年可以解決的。 |
| gazette.blocks[24][0] |
楊總裁金龍：我們會考量。 |
| gazette.blocks[25][0] |
邱委員志偉：這個部分應該也有個案的排除性。 |
| gazette.blocks[26][0] |
楊總裁金龍：是，個案有個案的困難處。 |
| gazette.blocks[27][0] |
邱委員志偉：已簽約的自然人可以排除，所謂簽約是跟銀行端簽約？還是跟建設公司簽約？ |
| gazette.blocks[28][0] |
楊總裁金龍：跟建設公司簽約是另外一塊的簽約，跟銀行的簽約又是跟銀行的簽約，不過…… |
| gazette.blocks[29][0] |
邱委員志偉：你這個排除是？ |
| gazette.blocks[30][0] |
楊總裁金龍：不是，我們的管制措施是這樣，如果你到時候簽訂契約進來這裡的時候，跟銀行申請就是一樣的，都可以…… |
| gazette.blocks[31][0] |
邱委員志偉：如果在919之前就已經跟建設公司簽約了，定金也付了，貸款的成數縮減之後，他考量到可能無法負擔。 |
| gazette.blocks[32][0] |
楊總裁金龍：只要是第一戶、第二戶，進來銀行就沒有問題，如果是第三戶、第四戶、第五戶，就要根據定型化契約去走，因為內政部也有公告一個買方和建設公司簽訂的契約，這個在我們的新聞稿裡面也有po出來，這是內政部所管轄的範圍，定型化契約裡面的約定。 |
| gazette.blocks[33][0] |
邱委員志偉：那要歸責於誰？ |
| gazette.blocks[34][0] |
楊總裁金龍：契約裡面就會訂定，我再把相關的資料給委員參考。 |
| gazette.blocks[35][0] |
邱委員志偉：因為會造成他貸款的能力下降，那還款…… |
| gazette.blocks[36][0] |
楊總裁金龍：如果不可歸責於雙方的話，就要根據定型化契約來走，這個有規定，我們把這個規定送給委員參考。 |
| gazette.blocks[37][0] |
邱委員志偉：我的結論就是，協處和你的政策、管制作為要一併出來。 |
| gazette.blocks[38][0] |
楊總裁金龍：我們來研究研究，謝謝。 |
| gazette.blocks[39][0] |
主席：謝謝志偉委員。 |
| gazette.blocks[39][1] |
葉元之，葉元之，葉元之委員不在。 |
| gazette.blocks[39][2] |
高金素梅，高金素梅，高金素梅委員不在。 |
| gazette.blocks[39][3] |
登記發言委員均已詢答完畢，本次會議作成如下決定：報告及詢答完畢，委員質詢未及時答復或請補充資訊，請中央銀行於1週內以書面答復。委員另有要求期限者，從其所定。委員王鴻薇、楊瓊瓔所提書面質詢，均已列入紀錄，刊登公報，並請中央銀行以書面答復。 |
| gazette.agenda.page_end |
388 |
| gazette.agenda.meet_id |
委員會-11-2-20-2 |
| gazette.agenda.speakers[0] |
賴惠員 |
| gazette.agenda.speakers[1] |
林德福 |
| gazette.agenda.speakers[2] |
吳秉叡 |
| gazette.agenda.speakers[3] |
陳玉珍 |
| gazette.agenda.speakers[4] |
賴士葆 |
| gazette.agenda.speakers[5] |
郭國文 |
| gazette.agenda.speakers[6] |
李彥秀 |
| gazette.agenda.speakers[7] |
李坤城 |
| gazette.agenda.speakers[8] |
顏寬恒 |
| gazette.agenda.speakers[9] |
王世堅 |
| gazette.agenda.speakers[10] |
黃珊珊 |
| gazette.agenda.speakers[11] |
羅明才 |
| gazette.agenda.speakers[12] |
伍麗華Saidhai‧Tahovecahe |
| gazette.agenda.speakers[13] |
邱志偉 |
| gazette.agenda.speakers[14] |
王鴻薇 |
| gazette.agenda.speakers[15] |
楊瓊瓔 |
| gazette.agenda.page_start |
341 |
| gazette.agenda.meetingDate[0] |
2024-10-17 |
| gazette.agenda.gazette_id |
1138501 |
| gazette.agenda.agenda_lcidc_ids[0] |
1138501_00006 |
| gazette.agenda.meet_name |
立法院第11屆第2會期財政委員會第2次全體委員會議紀錄 |
| gazette.agenda.content |
一、邀請中央銀行楊總裁金龍率所屬單位主管暨財金資訊股份有限公司董事長列席業務報告，並
備質詢；二、邀請中央銀行楊總裁金龍就「第七波選擇性信用管制之配套措施」進行專題報告，
並備質詢 |
| gazette.agenda.agenda_id |
1138501_00005 |
| IVOD_ID |
155718 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/155718 |
| 日期 |
2024-10-17 |
| 會議資料.會議代碼 |
委員會-11-2-20-2 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
2 |
| 會議資料.會次 |
2 |
| 會議資料.種類 |
委員會 |
| 會議資料.委員會代碼[0] |
20 |
| 會議資料.標題 |
第11屆第2會期財政委員會第2次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2024-10-17T11:52:50+08:00 |
| 結束時間 |
2024-10-17T12:01:53+08:00 |
| 支援功能[0] |
ai-transcript |
| 支援功能[1] |
gazette |