| IVOD_ID |
159135 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/159135 |
| 日期 |
2025-03-13 |
| 會議資料.會議代碼 |
委員會-11-3-20-2 |
| 會議資料.會議代碼:str |
第11屆第3會期財政委員會第2次全體委員會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
3 |
| 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.委員會代碼:str[0] |
財政委員會 |
| 會議資料.標題 |
第11屆第3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 |
2025-03-13T11:59:03+08:00 |
| 結束時間 |
2025-03-13T12:10:05+08:00 |
| 影片長度 |
00:11:02 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/3b972b8f6f00770f15b8b26f9e0fdba0e83d902c8d6dd6c286f8ffab8834d9836075f793af8843da5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
陳玉珍 |
| 委員發言時間 |
11:59:03 - 12:10:05 |
| 會議時間 |
2025-03-13T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第3會期財政委員會第2次全體委員會議（事由：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。） |
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謝謝主席 我們請梁總裁 |
| transcript.whisperx[1].start |
10.233 |
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我們看到相關的媒體報導有說新增的房貸一季狂減1.5萬戶第四季比第三季減了大概1.5萬件 |
| transcript.whisperx[2].start |
33.166 |
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60.222 |
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那個我看房市的這個329這個329檔期那個推案但是新案衰減然後市場疲軟然後請問您這個第七波信用管制之後你覺得現在你的看法現在房市有反轉走低嗎我跟委員報告就是說我們當時第七波的主要的目的有三個9月19號 |
| transcript.whisperx[3].start |
62.223 |
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對我們9月19號我們有目的有三個第一個就是說那時候的預期的心理是非常強的就是上漲的預期心理不過呢現在呢我想委員應該要同意他已經有下來的趨勢預期心理有下降房地產一定會漲的這個預期心理下降一定會漲的那個預期心理是已經扭轉回來了這是第一個第二個呢我們是希望這個資源就是說不動我們的那個信用資源不要太 |
| transcript.whisperx[4].start |
92.063 |
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119.845 |
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要讓他能夠比較帶給我們的那個無作用自宅的消費者那這一點呢也有慢慢的上升這是第二個第三個呢也就是說他的集中度呢他的集中度就是說我們的銀行的那個放款的集中度在不動產這慢慢的下來了所以也有達到也有達到這個目的但是那個總裁 |
| transcript.whisperx[5].start |
121.486 |
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144.764 |
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銀行放款的集中度 72就是那一條你們說存放比多少你們有沒有同時注意到各個地區的這種差異在你們的觀察裡頭有同時注意到嗎各個地區是不是我舉個具體的例子給您我去年的時候我在財委擔任召委的時候我請了我們相關單位到金門去開了一次會議當地的金融機構 |
| transcript.whisperx[6].start |
147.406 |
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174.56 |
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都過來開會我們發現我們金門的銀行比如土銀好了您猜看看他的存放比是多少您知道嗎您猜看看他的存放比如果說就我聊就當地的土銀的金門分行因為我沒有就是說很特地對了不過一般來講比較就像離島的話我再猜不過也許就不對了沒關係他的存款應該是比換款還多 |
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177.813 |
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200.581 |
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那存穩應該大概在比較合理的區間應該在哪裡一般來講的話合理是要72%合理是72%對不對對 它合理都70幾%我不曉得那個你知道金門的土銀或是台銀它是多少我是不曉得15%15%台銀也是差不多16%那就很低對 就是非常的低那也就是說 |
| transcript.whisperx[8].start |
201.861 |
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228.987 |
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那也就是說金門的民眾大部分都是存款啦因為金門民眾不需要貸款嗎因為金門沒有企業當然不是這個原因啦當然不是說因為我們也是有相關產業而是說金門的很多存款存款不少但是很多的貸款金融機構他的這種 |
| transcript.whisperx[9].start |
229.887 |
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255.589 |
| transcript.whisperx[9].text |
執行率也好或者他的放款意願也不想所以基本很多的存款就被的資金就被同樣是土地銀行或是台灣銀行好了這個錢就被移到讓台灣來使用我的意思因為事實上現在發生的情形就是這樣子所以當你們在說什麼存放筆啊在說這個東西信用管制的時候其實我覺得央行也要注意也要稍微注意一下各個區域怕說很多 |
| transcript.whisperx[10].start |
256.59 |
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279.956 |
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比較像我們來講我們偏遠地區的錢存在以後全部都集中到了比較都會區可能台我不知道可能台北因為我沒有研究台北可能台北來高雄這種比較都會區去使用所以造成這個如果以房地產來講的話有時候會造成這樣的錢會集中的不是只有說欸你說是30%多少%這樣的幾%的這個差別而是有時候資金的移動 |
| transcript.whisperx[11].start |
280.276 |
| transcript.whisperx[11].end |
308.603 |
| transcript.whisperx[11].text |
也會影響各地區這個可能也是我已經說了也沒有錯央行證也許也可以去了解一下這個第一點嘛這個會影響這個相對就某些地方就會變成炒房就會比較嚴重某些地方經濟發展比如說不一定是房地產說經濟發展企業想要融資變得很辛苦有時候這個也是有影響所以我們除了注意說它的一個比例以外還要注意區域的有沒有均衡的發展其實這個也是很重要對啦沒有錯啦 |
| transcript.whisperx[12].start |
308.963 |
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330.518 |
| transcript.whisperx[12].text |
這個是第一點然後第二點關於房地產有關就是說之前就是訂所謂的豪宅那當然這個財政部在金管那邊管那個豪宅的總價不過我覺得後來事實上這個建商有他的做法他們就把坪數弄很小單價弄很高所以我看最近有一個新的政策就是讓單價一定的 |
| transcript.whisperx[13].start |
331.84 |
| transcript.whisperx[13].end |
345.839 |
| transcript.whisperx[13].text |
每個地區嘛一定的金額以上也要比較比較可以比較不能太超過不然也是不能帶這個也是算是一個很好的政策啦這個才能真正讓房價走向一個比較平衡的這個發展不然 |
| transcript.whisperx[14].start |
348.067 |
| transcript.whisperx[14].end |
364.565 |
| transcript.whisperx[14].text |
這樣子對你這樣的做法你們之前有的做好對百姓並沒有幫助啊因為反而是建商賺更多因為他把單價他把坪數弄很小20坪變10坪但單價做很多做高了做高了反而讓房價又漲起來然後事實上建商獲利也沒有變少 |
| transcript.whisperx[15].start |
365.466 |
| transcript.whisperx[15].end |
381.433 |
| transcript.whisperx[15].text |
您瞭解我在說什麼?我知道您看這個不動產的放款我看到您有相關的報導有找銀行來喝咖啡有三家銀行對於這些按計管控提交具體改善方案 |
| transcript.whisperx[16].start |
383.353 |
| transcript.whisperx[16].end |
411.52 |
| transcript.whisperx[16].text |
那我也請您關注一下各個區域也許銀行也要請他們提供一下他各個區域是不是有太過不均衡的發展那熱錢集中在一個地方那個地方容易炒作這個是不是也請列入這個列入這個考量那還會有第八波嗎因為我們是9月19嘛那時候我們問的時候9月19到12月有一段期那現在已經又要三月了吧等於是半年了啦 將近半年了那你看你下去的發展呢 |
| transcript.whisperx[17].start |
414.183 |
| transcript.whisperx[17].end |
438.123 |
| transcript.whisperx[17].text |
我想我們是滾動性檢討啦滾動性檢討 所以也有可能有 也有可能沒有啦這個是由理事來決定啦有理事決定喔 對但是我還講說那個 我像有相關政策像平數的單價那個倒是不是也是一個 還有各區的喔 可以看一下民間的相關反應啦好 那這個第一季齁 這個 |
| transcript.whisperx[18].start |
439.924 |
| transcript.whisperx[18].end |
461.519 |
| transcript.whisperx[18].text |
你們央行理事會議預期去年的時候去年也是這個時候你們預期台電4月調漲電價那有做出 祭出預防性的升級辦今年現在3月你們3月10號開會了那現在聽起來台電又有可能聽起來又好像可能調漲這個電價那你們今年會一樣採取這樣的預防性升級剛我有聽別人這個也是由理事來決定 |
| transcript.whisperx[19].start |
467.884 |
| transcript.whisperx[19].end |
490.12 |
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我知道你會這樣回答但是去年因為你們在業務報告也有跟我們提到要考量未來台鐵票價水電公用事務費率調漲那相關的預測值會上漲所以你的標準答案就是說你要看你以前是否但看起來的話如果比照去年的做法可能會傾向這個方面 |
| transcript.whisperx[20].start |
493.254 |
| transcript.whisperx[20].end |
516.745 |
| transcript.whisperx[20].text |
還是有理解 沒關係我想請問你關於虛擬貨幣的事情美國總統川普簽行政命令要正式成立戰略比特幣儲備確保美國在全球加密貨幣市場的領導地位但是我們央行說的是虛擬貨幣不宜列為準備資產 |
| transcript.whisperx[21].start |
518.406 |
| transcript.whisperx[21].end |
539.933 |
| transcript.whisperx[21].text |
因為央行是說比特幣價格波動劇烈容易受金融市場資金鏈消息鏈影響沒有辦法具備貨幣應有的交易媒介計價單位及價值儲藏三大功能比較像是一種投機或是投資性質的商品這是我們央行說的但是美國川普總統卻對這個大力提倡就是說 |
| transcript.whisperx[22].start |
546.155 |
| transcript.whisperx[22].end |
571.829 |
| transcript.whisperx[22].text |
你這樣還是認為還是這樣認為嗎?就是說比特幣這類的虛擬資產你的看法跟我們川普總統的看法不大不大一致是啦我想這個我們會密切注意他啦不過以目前我們的態度呢我們還是覺得就是說在台灣要把它就是說把它變成一個我們的準備變成一個外圍存底的一部分 |
| transcript.whisperx[23].start |
572.729 |
| transcript.whisperx[23].end |
590.013 |
| transcript.whisperx[23].text |
當然啦 外存底的一部分跟它是戰略儲備因為我們政府的戰略儲備我不曉得是有哪些啦但是我們外存底的這個部分呢到在目前呢我們是沒有考慮就是說要把就還是沒有考慮沒有考慮沒有考慮虛擬貨幣啦還是沒有考慮虛擬貨幣啦 |
| transcript.whisperx[24].start |
593.715 |
| transcript.whisperx[24].end |
609.774 |
| transcript.whisperx[24].text |
既然就是說美國都是要把他列入這個我們會正視他我們會密切注意他也是會密切注意我們會密切注意他那您看看川普總統還頒了一個行政命令他說禁止創建數位美元像那個央行數位貨幣CPTC嘛那 |
| transcript.whisperx[25].start |
612.077 |
| transcript.whisperx[25].end |
636.655 |
| transcript.whisperx[25].text |
他說這個CBDC是威脅金融體系穩定 禁止在美國建立但是我們不是有在推嗎?我們央行有在推嗎?有在推CBDC那這個跟美國全球領導國家的做法也不一樣那這樣會不會延緩我們推這個的腳步我覺得就是說 |
| transcript.whisperx[26].start |
637.896 |
| transcript.whisperx[26].end |
658.932 |
| transcript.whisperx[26].text |
基本上呢我們看看其他的國家呢也沒有就是說是因為川普總統他的這個政策因為基本上其他的國家他還是往前推的啦那基本上中央銀行呢也會還是我們還是按照既定的一個行程往前推啦往前推進就對了好 謝謝你是 謝謝 |