| IVOD_ID |
164654 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/164654 |
| 日期 |
2025-10-23 |
| 會議資料.會議代碼 |
委員會-11-4-20-4 |
| 會議資料.會議代碼:str |
第11屆第4會期財政委員會第4次全體委員會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
4 |
| 會議資料.會次 |
4 |
| 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4會期財政委員會第4次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-10-23T10:01:53+08:00 |
| 結束時間 |
2025-10-23T10:13:50+08:00 |
| 影片長度 |
00:11:57 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/1f1f5c91750503d34f7e05a9167e42e948629de9594d8cbe61e6bfef52f5c09391724fa8893bc8465ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
賴惠員 |
| 委員發言時間 |
10:01:53 - 10:13:50 |
| 會議時間 |
2025-10-23T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第4會期財政委員會第4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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好謝謝主席有請那個央行總裁請楊總裁楊總裁總裁早安我想從數位貨幣到那個選擇性的一個信用管制那今天跟你探討這幾個議題我想這個CBDC |
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我可以不可以 總裁我可以不可以講說它就是未來的數位新台幣是 可以 委員講得沒有錯就數位新台幣 對嘛是 我們央行的一個就是我們希望就是把它的一個那個政策面就是定格在這個地方是 沒有錯 那定格在這個地方的時候你希望就是說它會期待 |
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以後的這個就是我們的那個零售支付的一個補充工具嗎是 沒有錯就是類似支付寶的一個概念對啦 應該是 對 對 |
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所以我們這次現金的改版也有這樣的意思現金你們還是沒辦法取代的電子支付你還是沒辦法取代現金的 |
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所以我們就說這一次的改版每一個國家的改版他也不會說因為現在的電子資物很發達所以他就不要獻金了 不是反而是應該要考量到我們的弱勢群體金融沒有普及的地方還有老年人他的數位的知識不足的 |
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所以總裁 所以你有分階段那你CPTC已經在進行了這個策略已經在進行了那就是說已經在規劃了那你的新台幣還要再改版事實上也延續就是郭委員剛才質詢的內容他也必須要改版因為太久的時間了 |
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那太久的时间还有就是说当今的环境其实大家在使用货币的习惯已经慢慢做了很大很大的一个改变不管是大钞还是这个就是说一百元有时候我们连那个纸那个就是铜板 |
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159.263 |
| transcript.whisperx[7].text |
不常用的時候還會有點搞錯不過銅板我們這一次不改版銅板這一次不改版為什麼不改版因為銅板第一個它面額小這是第一個第二個它改版了以後它的成本反而超過沒有改版的效益沒有改版的效益對 因為它慢慢的會淘汰掉 |
| transcript.whisperx[8].start |
182.335 |
| transcript.whisperx[8].end |
210.845 |
| transcript.whisperx[8].text |
他慢慢會淘汰掉所以說我們可是如果我們就是在看全世界不管是歐美不管是日本的話他們的銅板他們其實還是一個非常流行的貨幣他還是有在流通但是他也沒有改版所以鄰近的國家他們基本上一般國家主要國家他在改版都是紙鈔沒有涉及到銅板 |
| transcript.whisperx[9].start |
212.836 |
| transcript.whisperx[9].end |
227.115 |
| transcript.whisperx[9].text |
那我们很清楚就是说CPTC它可能是未来现今的一个数位化的替代品也可能是我们支付体系的一个改革最重要的工具那它跟比特币呢 |
| transcript.whisperx[10].start |
227.715 |
| transcript.whisperx[10].end |
247.34 |
| transcript.whisperx[10].text |
它跟比特幣如果我做這樣子的一個比較的話 仲裁當然就是說你這一個CPTC是一個法定的貨幣它得到了國家的一個支持那它可以集中管理那它也是安全性是比較高的那它價值也是穩定 |
| transcript.whisperx[11].start |
248.4 |
| transcript.whisperx[11].end |
264.165 |
| transcript.whisperx[11].text |
那日常的支付還有跨境的交易其實就是政府的資金的分配都是穩定的那成本也比較低那尤其是國內的一個交易那你認為就是說如果這兩個貨幣的話 |
| transcript.whisperx[12].start |
268.479 |
| transcript.whisperx[12].end |
273.484 |
| transcript.whisperx[12].text |
你還可以突顯你的CBDC更優勢的地方在哪裡那當然第一個我想 |
| transcript.whisperx[13].start |
279.181 |
| transcript.whisperx[13].end |
295.995 |
| transcript.whisperx[13].text |
央行的數位貨幣它在支付方面它是沒有問題的但是比特幣因為價格波動太大它沒有以前一開始的時候就說比特幣就是要來當支付它是一個虛擬的資產 |
| transcript.whisperx[14].start |
301.34 |
| transcript.whisperx[14].end |
308.806 |
| transcript.whisperx[14].text |
它不是貨幣但是它一開始發展的時候它是想要變成一個支付的工具但是從它開始2008、2009一直到現在它都沒有實現也就是說它沒辦法因為它被太多人操縱了因為它基本上而且它也人為操縱第二個它也會洗錢什麼的之類的這些所以比特幣基本上當初就是說希望它作為一個支付的工具到目前為止都沒有 |
| transcript.whisperx[15].start |
331.262 |
| transcript.whisperx[15].end |
354.802 |
| transcript.whisperx[15].text |
谢谢总裁我们再拉回来核心消费者的物价指数其实整体来讲都算是稳定可是通膨的风险跟利率政策的一个平衡这也考验着央行在整个政策面上如何的去执行我先用国泰金在10月份他有一个国民经济的一个信心调查这个民调里头 |
| transcript.whisperx[16].start |
355.462 |
| transcript.whisperx[16].end |
375.153 |
| transcript.whisperx[16].text |
有六成的民眾認為物價偏高六成的民眾認為物價偏高總裁你有沒有這樣的感覺委員如果說這麼說的話我可以這麼說就是說基本上低所得的民眾 |
| transcript.whisperx[17].start |
376.434 |
| transcript.whisperx[17].end |
398.534 |
| transcript.whisperx[17].text |
会觉得说我们的物价偏高是低所得那为什么说低所得的会比较认为物价会偏高因为低所得者呢他大部分的他大部分的收入来源呢很大一部分就是都是在那个什么民生用品方面没有错那民生的话那这个是波动是比较大 |
| transcript.whisperx[18].start |
400.509 |
| transcript.whisperx[18].end |
419.752 |
| transcript.whisperx[18].text |
可是這個體感通膨已經衝擊到就是說我們的壽星家庭還有中產階級的家庭他的感受會比較大中產家庭其實這個體感通膨也影響到了因為我們可以期他可能會越來越貴所以有很多人 |
| transcript.whisperx[19].start |
420.833 |
| transcript.whisperx[19].end |
445.379 |
| transcript.whisperx[19].text |
其實是沒什麼改善你看在家裡頭開火的人也越來越多了所以我也不問你說蚵仔蒸那個很多錢因為每一個區域性不同可是可預期就是我們感受到市場其實這個物價指數就是說像你講的這個吃的民生的吃的 吃新的是一直都起來 |
| transcript.whisperx[20].start |
446.179 |
| transcript.whisperx[20].end |
460.059 |
| transcript.whisperx[20].text |
是 没有错最近就是说在很多房间的一个民调他认为央行是双杀我们的首购主还有换屋主怎么讲 |
| transcript.whisperx[21].start |
462.923 |
| transcript.whisperx[21].end |
466.348 |
| transcript.whisperx[21].text |
沒有啦 總裁 你就說沒有啦我聽你這個笑聲就有點心虛啦因為你在笑 你不會喔如果你是很有自信 你會笑到那麼大聲你現在笑到小聲小聲這個是有點壯膽 |
| transcript.whisperx[22].start |
480.945 |
| transcript.whisperx[22].end |
494.573 |
| transcript.whisperx[22].text |
有沒有這樣的一個意味沒有 我覺得我們的選擇信用管制你看看我們選擇信用管制我們都強調我們的信用資源要給所購足 |
| transcript.whisperx[23].start |
495.734 |
| transcript.whisperx[23].end |
500.958 |
| transcript.whisperx[23].text |
要給都耕者 要給社會住宅的我講一個案例給你聽這一家人本來是要換房子 |
| transcript.whisperx[24].start |
513.528 |
| transcript.whisperx[24].end |
530.524 |
| transcript.whisperx[24].text |
结果他因为你的豪宅贷款的一个限制结果被逼上了节颅这个是小市民的心声他投到我的粉专上头来我跟委员报告事实上有一些 |
| transcript.whisperx[25].start |
531.866 |
| transcript.whisperx[25].end |
536.553 |
| transcript.whisperx[25].text |
事實上他都認為就是說他是我們選擇信用管制的一個被我們選擇信用管制到了事實上我們有很多的case去了解事實上不是 |
| transcript.whisperx[26].start |
547.77 |
| transcript.whisperx[26].end |
552.815 |
| transcript.whisperx[26].text |
所以大家都認為他借不到錢是因為中央銀行的關係是央行卡死了啊為什麼不是炒房是換屋結果被豪宅線卡死了呢我今天買一個4500萬的房子就是說我在台南我預約了一個3800萬的地售屋 |
| transcript.whisperx[27].start |
570.672 |
| transcript.whisperx[27].end |
597.25 |
| transcript.whisperx[27].text |
結果交屋的時候銀行的建價是四千兩百萬結果被認為是豪宅那貸款從原來的預期的七成降為三成況且這個三成還是企業價是本來的三千八百萬的企業價那你看來去就差了一千一百四十萬那資金的切口就變成一千五百萬 |
| transcript.whisperx[28].start |
598.11 |
| transcript.whisperx[28].end |
625.916 |
| transcript.whisperx[28].text |
你想這麼差大的一個差異誰有這麼大的一筆錢可是如果你讓我慢慢繳的時候我是買得起這個3800萬的房子所以你的當然就是被你卡死了不過我跟委員報告事實上建商跟我們的預購房屋的消費者他們之間也有一個定型化契約 |
| transcript.whisperx[29].start |
627.304 |
| transcript.whisperx[29].end |
636.338 |
| transcript.whisperx[29].text |
那個定型化契約裡面他就有定的就是說在不可規則的因素之下如果說他的貸款跟他的貸款跟他房子要購物的 |
| transcript.whisperx[30].start |
643.388 |
| transcript.whisperx[30].end |
661.16 |
| transcript.whisperx[30].text |
你如果把它講到這個定型業那個定型性的一個企業這個是另外那我來跟你討論的就是你豪宅的認定標準已經十幾年你根本都沒有調整那你那個央行的標準脫節了這麼久你看你在101年的時候 |
| transcript.whisperx[31].start |
666.277 |
| transcript.whisperx[31].end |
691.193 |
| transcript.whisperx[31].text |
你要不要让我讲好 我能讲所以就是说我希望也建议你是不是这个豪宅在台北市我们可以调整为9000万是不然你看整个台北市每一个人都是住豪宅怎么会是这个样子呢少数人不住豪宅绝大部分的人在台北市都住豪宅因为都超过7000万是 |
| transcript.whisperx[32].start |
692.654 |
| transcript.whisperx[32].end |
709.099 |
| transcript.whisperx[32].text |
那新北市我們調整為七千五百萬其他的縣市是不是可以調整為五千五百萬你拿回去做參考好不好美人的建立我們拿回去參考好不好我想這個已經造成名焰相當深那我們還是要充分的研究謝謝總裁 謝謝主席 |