| IVOD_ID |
161757 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/161757 |
| 日期 |
2025-05-21 |
| 會議資料.會議代碼 |
委員會-11-3-20-13 |
| 會議資料.會議代碼:str |
第11屆第3會期財政委員會第13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 |
13 |
| 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13次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-05-21T12:58:18+08:00 |
| 結束時間 |
2025-05-21T13:05:40+08:00 |
| 影片長度 |
00:07:22 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/e381da0d479eb7db64d80fbff554c368da433bb611ec39b97364d18bd4e850e8c7dd2f281fdf83155ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
邱志偉 |
| 委員發言時間 |
12:58:18 - 13:05:40 |
| 會議時間 |
2025-05-21T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第3會期財政委員會第13次全體委員會議（事由：一、邀請財政部、金融監督管理委員會、中央銀行就「房屋稅2.0課徵亂象與金融機構對不動產融資緊縮及中央銀行信用管制措施對房地產交易之影響」進行專題報告，並備質詢。
二、處理中華民國114年度中央政府總預算決議有關金融監督管理委員會主管預算凍結書面報告案39案。【報告事項】
三、處理中華民國114年度中央政府總預算決議有關金融監督管理委員會主管預算凍結專案報告案9案。【討論事項】） |
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原副總裁同時請金管會彭主委跟財政部總部長總裁 副總裁前面剛才問他說跟美元掛鉤你那個央行政策你要不要我給你時間說明一下他剛才沒要跟你說前面那一個啦 |
| transcript.whisperx[1].start |
29.952 |
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其實我們的外匯的操作策略我們看到市場出現很 |
| transcript.whisperx[2].start |
36.578 |
| transcript.whisperx[2].end |
64.938 |
| transcript.whisperx[2].text |
很異常的時候我們會加大我們的進展干預的程度前面那個說你們跟美元掛鉤有這回事嗎我不曉得所謂的掛鉤是因為美元是我們很重要的一個交易的媒介所以我們匯率在某種程度上是跟國際美元有一點連動的關係的所以綠政策是一個非常非常重要但是也非常非常專業你要綜合判斷各個因素 |
| transcript.whisperx[3].start |
66.093 |
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來做這個會議的決策是很簡單的一顧為就可以規則於什麼原因規則於這個決策是因為什麼這樣不專業而且我覺得在國會的質詢要有一定的素養跟水平好我第一個問題想請教這個三位包括彭主委包括莊部長就新清安的房貸房貸這個核貸量降 |
| transcript.whisperx[4].start |
95.629 |
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112.996 |
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因為新台幣這個強升經濟不確定因素提升所以四月的核貸年減30%月減20%這個對青年人要貸款是非常不容易還有剛性需求也會被處 |
| transcript.whisperx[5].start |
114.642 |
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138.128 |
| transcript.whisperx[5].text |
現在博文是經管會還是要財政部還是要央行共同跨部來解決怎麼樣讓新青安這些年輕人貸款能夠更為簡便更為順利莊部長有關新青安這個部分他就幫助沒有房屋的青年朋友們去買第一間房子 |
| transcript.whisperx[6].start |
138.581 |
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152.724 |
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那在我們公股行庫在沉坐的時候事實上我們的院長已經要求就是說對於這種自住的然後首購主端是優先的放貸可是從數字來看它是年減30%月減20%這個部分第一個受理的件數也往下降的話那當然合貸的件數跟金額也會往下降那受理的件數也就是說他去買房子以後他來申請貸款嘛 |
| transcript.whisperx[7].start |
165.347 |
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188.63 |
| transcript.whisperx[7].text |
那其實新青岸從推出以後之前其實在去年的時候五月達到最高的一個高峰所以目前的政策作為不會影響新青岸貸款的相關的效率速度不會目前不會譬如說像央行的信用管制對於首購族也沒有做一些特別的部分所以也不會有這個門檻的增加那我想請問彭主委您的看法呢 |
| transcript.whisperx[8].start |
189.951 |
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217.332 |
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跟委員報告一下我們從去年9月30號開始每個禮拜監控市場房貸的變化那我們得到幾個結論從過去一直到現在9個月的時間大概平均一個月的貸放量大概是250億到350億之間平均大概就是300億左右我們平均的餘額大概是2500億總量大概是維持在4000億左右的水準那大概 |
| transcript.whisperx[9].start |
218.112 |
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242.065 |
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這意思是說這麼久來幾乎大概都是沒有變化我轉成另外一個問題就是說這個國營的房貸的壞帳是有增加這個壞帳增加當然是在可控的範圍對於這個房貸的並沒有因此而增加但比例上是沒有增加啦但是總額有增加吧 |
| transcript.whisperx[10].start |
243.38 |
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267.418 |
| transcript.whisperx[10].text |
總額有增加啦我只是提醒一下總額有增加啦這個應該是這樣講我們會定期公佈這個剛剛講餘放比率現在這是一個訊息但是現在目前在可控範圍這是一個訊息剛剛副總也了解那我接著再請教一下嚴副總裁就是說關於第七波的健全房市的信用管制啊 |
| transcript.whisperx[11].start |
268.12 |
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283.288 |
| transcript.whisperx[11].text |
那上一次這個總裁來,我記得郭國文委員也曾經請教過他,是不是會做這個調整,會不會對這個政策做一些的修正,他說他會檢討,那檢討不見得會調整,意思是說會檢討,那不是會調整,你的看法呢? |
| transcript.whisperx[12].start |
289.676 |
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307.036 |
| transcript.whisperx[12].text |
就是說第七波信用管制有沒有可能再放鬆報告委員我剛才已經回答過其他委員同樣的問題就是說我們在理事會開會之前我們都會檢視我們最近的那個房地產情況我們再做判斷所以現在言之過早 |
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其實我們的同仁每天都在注意到相關資訊的收集和整理 |
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330.154 |
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這個有關於你買新房子那舊房子要一年之內要拒絕要出售你第一個房子覺得第二個房子條件比較差可能坪數比較小可能地點比較不好所以他才有換屋的需求對不對好你買了房子你要一年之內要把它賣掉第一個除非運氣好第二個除非你這個降價求售 |
| transcript.whisperx[15].start |
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它地點絕對是比地點更賣所以它那個房屋處置的時間你要讓它有彈性你說叫它一年 沒一年你就要收回相關的貸款我覺得這不盡合理每個區不一樣喔 |
| transcript.whisperx[16].start |
373.726 |
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396.36 |
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你每個去牛籠 台北市 台北市 買地戶 賣地戶當然沒有什麼太大問題如果從屏東市 屏東縣要到高雄縣或者從台南 嘉義要到台南也許它的城市發展規模不一樣所以它每坪的售價也不一樣 它的房子條件也不一樣沒有 剛才前面一個也讓你 已經給你很多時間了啦你要一致同仁啦 你要一致標準 你不用雙標 |
| transcript.whisperx[17].start |
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那個我請教一下那個副總長您的看法有沒有可能讓他這個彈性你說 啊今天沒有啊在一分鐘結束好不好在一分鐘那個報告委員因為很多的意見我們都會拿回去再參考和研議啦對啦 但是這個還是這是反映民情反映民情啦所以你要去做一些調整去考謝謝卿委員的資訊 謝謝 |
| transcript.whisperx[18].start |
429.576 |
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440.537 |
| transcript.whisperx[18].text |
葉元之 葉元之 魏元之委員不在陳貫庭 陳貫庭 陳貫庭委員不在報告五位今日登記已發言 委員均已詢討完畢 |