| IVOD_ID |
164676 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/164676 |
| 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 |
2025-10-23T11:25:58+08:00 |
| 結束時間 |
2025-10-23T11:36:22+08:00 |
| 影片長度 |
00:10:24 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/1f1f5c91750503d3f86f3ef6abc5072348629de9594d8cbe378985d1c29b3fea09846c1f907d8ca55ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
陳玉珍 |
| 委員發言時間 |
11:25:58 - 11:36:22 |
| 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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| transcript.whisperx[0].start |
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謝謝主席 我們請楊總裁等一下財經公司董事長 等一下下一題 |
| transcript.whisperx[1].start |
12.922 |
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陳委員 陳委員早這個總裁啊是去年9月19金融海嘯嘛然後這個洋金融海嘯那今年9月18的這個我們央行的這個禮監事會你們的打房重點是維持第7波的選擇性信用管制嘛到今年第4季要做總檢討吧是 |
| transcript.whisperx[2].start |
32.472 |
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59.55 |
| transcript.whisperx[2].text |
那你覺得從去年到現在去年我們在這邊諮詢的時候您在這邊背詢說希望今年中今年房價可以慢慢向下調整你覺得現在國內的房價發展有沒有符合你當初說的慢慢向下調整到目前為止對啦是有慢慢剛剛那個委員才在講有啦但是就是說不夠大不夠對不對他認為是不夠大不夠嘛本來其實已經在僵持了我看這個買方賣方已經在僵持但是 |
| transcript.whisperx[3].start |
60.33 |
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82.347 |
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前一陣子是上個月吧這個新清安的整個不算入這個裡頭以後整個整個整大一部分又灌進來所以事實上要給年輕人買得起房子不是一直給他貸款那如果房價可以便宜一點的話可以好一點低一點的話年輕人可能更容易買得起房子那我想請教您 |
| transcript.whisperx[4].start |
83.248 |
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108.31 |
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您這個停止信用管制的指標我們一直在講說全部銀行不動產貸款佔總放款的比例太高就是貸款集中度太高現在的貸款集中度現在是36.71%到8月份然後你在當時你們啟動第一波的時候那時候2020年12月的時候12月8號的時候那時候的不動產貸款集中度是35.9% |
| transcript.whisperx[5].start |
110.091 |
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130.362 |
| transcript.whisperx[5].text |
所以你的這個標準是在哪裡到時候你的停止信用管制的指標會在哪個階段呢我跟委員報告這個集中度是一個很重要的觀察指標但是中央銀行不是只有觀察它而已我們還有觀察到其他的一些指標包括我們的不動產的信用 |
| transcript.whisperx[6].start |
139.688 |
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164.67 |
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對 指示也是很多指示整個房價的趨勢很多 我理解但是如果大家以前以為的天條我們行政院動不動就把天條再加例外再加例外 再加例外天條就不會變成是天條房地產業在說所以政府一邊在踩油門另外一邊在踩 |
| transcript.whisperx[7].start |
166.691 |
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183.605 |
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一邊在踩煞車一邊踩油門這台車可能會壞掉我看這個很嚴重政府的部門的行政好像腳步不太一樣我想請教您當然我很佩服您堅持這個勇氣也是跟你支持但是您有說過 |
| transcript.whisperx[8].start |
185.606 |
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200.479 |
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房地產產業是不是為驅動經濟成長之主力以營建工程業 浦東產產對經濟貢獻以及收購員工比例低的這個因素這個央行給我們的參考資料說否定這一題就是說房地產不是火車頭 |
| transcript.whisperx[9].start |
201.86 |
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205.281 |
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你們有給我們資料我想告訴你在2020年的時候那時候的內政部長叫做徐國勇現在的執政黨的秘書長他說不動產是真正的火車頭這是他說法 媒體有報導房地產業是護國群山真正的火車頭因為帶動了上下游各個行業包括各個產業的發展 |
| transcript.whisperx[10].start |
229.351 |
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233.374 |
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你的言論跟現在執政黨秘書長不大一樣你會不會感受到執政黨的壓力不會 不會嗎你能撐得住嗎不 我們只是就數據我們來顯現它對我們GDP的一個貢獻因為像我們看到你們一樣所以你在第四季總結到的時候會不會選擇放寬選擇性信用管制以現在的情形 |
| transcript.whisperx[11].start |
254.309 |
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258.492 |
| transcript.whisperx[11].text |
我們會繼續的滾動式的檢討但是呢我目前我也很難去跟委員說到今天為止的情形到目前為止的話來看的話因為跟我們9月的跟我們9月我們的禮監事的時間還很短 |
| transcript.whisperx[12].start |
275.623 |
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301.543 |
| transcript.whisperx[12].text |
這間中間還不會啦到目前為止以後還有兩個月不知道啦但是到目前為止還不會選擇性放寬嘛但是這個你如果你這樣站得很穩希望這個房價有所鬆動當然現在房地產業也都是這樣看但在這之前在行政院提出這個新清安的那件事情把你天條給它解禁以後事實上整個又起了很大的變化不然本來我們覺得鬆動鬆動可能有可能往下了比較恢復一點正常 |
| transcript.whisperx[13].start |
302.444 |
| transcript.whisperx[13].end |
325.767 |
| transcript.whisperx[13].text |
不只年輕人 各個年齡層人有有還有剛性虛有痛比較可以慢慢負擔得起當然也還是太高但是慢慢負擔但是我看你的你雖然這麼堅持但是我看行政院如果一直在走不同的路你在煞車行政院一直在加油的話我看這個也是很艱辛您這個當然您是獨立但是獨立這個也是很艱辛希望您還是維持一樣有骨氣我們跟你支持 |
| transcript.whisperx[14].start |
327.869 |
| transcript.whisperx[14].end |
352.257 |
| transcript.whisperx[14].text |
謝謝總裁我們想請教財經公司高鐵的話緊急停用台灣Pay的部分您是台灣Pay你們公司是台灣Pay的開發運營者對吧跟委員報告你們是嗎你們是嗎你們弄了一個平台銀行 電子產業 商業 商家都可以做電子支付平台你知道為什麼高鐵緊急停用台灣Pay嗎 |
| transcript.whisperx[15].start |
353.099 |
| transcript.whisperx[15].end |
365.132 |
| transcript.whisperx[15].text |
跟委員報告就是高鐵是因為他購票用台灣Pay購票之後有被詐騙利用然後去退現金因為你購票上面顯示是現金票捐上面顯示現金所以去退票的時候就退了現金 |
| transcript.whisperx[16].start |
368.815 |
| transcript.whisperx[16].end |
392.346 |
| transcript.whisperx[16].text |
結果被詐騙集我們詐騙集團都這詐騙集團都時代很進步他們都跟著很多這個發展這個很多人都不知道上面可以用這個方法詐騙集團時時在關注任何可能的詐騙漏洞詐騙集團就用這個東西因為這樣退票的時候領先不用驗證個資就變成他們鑽漏洞台灣詐騙這麼猖獗實在是詐騙集團也花了很多心力在這個看怎麼來鑽漏洞但是我們身為政府的公司 |
| transcript.whisperx[17].start |
393.687 |
| transcript.whisperx[17].end |
410.789 |
| transcript.whisperx[17].text |
財經公司身為政府的公司事實上在設計這個前面的這些整個過程或是整個過程的時候事實上也應該要非常的小心尤其你們是代表政府跟委員報告就是我們的機制上面來看那這些高鐵他們所以不是你們的問題是高鐵的問題就對了 |
| transcript.whisperx[18].start |
412.11 |
| transcript.whisperx[18].end |
432.598 |
| transcript.whisperx[18].text |
因為就是機制上面所以你意思是告訴我沒關係你告訴我財經公司沒有問題這個漏洞是高鐵的問題因為印出來是高鐵印的票嘛是機制上面財經訂的是沒有問題是財經公司設計上的問題還是高鐵印製的問題嘛因為他印出現金讓他可以現金然後高鐵就用現金給人家退啊以這個個案來看是高鐵不是個案啦整個案子啦 |
| transcript.whisperx[19].start |
433.239 |
| transcript.whisperx[19].end |
442.317 |
| transcript.whisperx[19].text |
因為台灣變成洗錢的管道這個高鐵這個事情來看是高鐵公司跟收單銀行合作產生的問題所以是那家銀行的問題還是高鐵的問題是合作銀行的問題嗎 |
| transcript.whisperx[20].start |
443.383 |
| transcript.whisperx[20].end |
470.83 |
| transcript.whisperx[20].text |
因為這個合作銀行就是這個售單銀行要跟高鐵去協商他怎麼去印製這些東西所以是售單銀行那是哪一家售單銀行這個高鐵的售單目前是台新銀行台新銀行 OK好 那沒關係這個東西我們會跟金管會再繼續請教你的意思是財經公司沒有問題就對了在機制上沒有問題規定上也是要退到原帳戶你們要非常的注意尤其你們是國家的就是一定要注意你們不能 |
| transcript.whisperx[21].start |
472.35 |
| transcript.whisperx[21].end |
492.505 |
| transcript.whisperx[21].text |
不停止詐騙還那個變成你們理論上你們是要讓詐騙很多洞都讓詐騙團不能猖獗因為詐騙太猖獗已經變成一個很大的產業了你們還讓詐騙團有洞可以鑽那高鐵當然如果照你這樣講高鐵我也會去問他們高鐵當然負很大的責任那當然相對應的銀行我們也會跟金管會相關單位來請他們來檢討來講一下下一題數位券的問題 |
| transcript.whisperx[22].start |
498.103 |
| transcript.whisperx[22].end |
516.033 |
| transcript.whisperx[22].text |
那你是高鐵問題是你說的嗎來我相信你了數位券的問題你沒有在中央銀行指導下做一個數位公共建設的金流平台數位券這個相當好把所有的民眾習慣APP什麼這些都整合在一起變成一個多營的這個生態體系我覺得這個也是非常支持 |
| transcript.whisperx[23].start |
516.653 |
| transcript.whisperx[23].end |
541.054 |
| transcript.whisperx[23].text |
那這個東西又借街的速發布的這個政府機關公用平台那因為台灣的這個數位支付這個東西實在是比較慢大家如果有去過中國大陸我知道大陸真的是很快很進步各方面都尤其在數位這個發展的部分那沒關係我們進步慢沒關係但是我們至少不要有一些容易被詐騙或中間的這個很多漏洞甚至怎麼樣鼓勵大家可以這樣使用電子支付也比較符合這個資源的這個比較不浪費資源 |
| transcript.whisperx[24].start |
544.497 |
| transcript.whisperx[24].end |
552.863 |
| transcript.whisperx[24].text |
那想請教你這個整合完成喔這個縣市政府如果有自行發行的這個數位券你是不是可以順利也可以讓各縣市政府借接到你們這個平台上 |
| transcript.whisperx[25].start |
553.67 |
| transcript.whisperx[25].end |
576.989 |
| transcript.whisperx[25].text |
跟委員報告這個平台是可以支援這種服務的可以嗎好那我跟你說一下我們金門縣政府115年明年開始會發一個感恩券這個感恩券以前是我們發那個酒感恩量酒那現在為了促進這個地區的消費促進做一個新循環的經濟那把要發給老百姓的一些福利原來的現金給付的福利變成本來是慰助酒品感恩量變成明年春節開始變成發券 |
| transcript.whisperx[26].start |
580.151 |
| transcript.whisperx[26].end |
602.076 |
| transcript.whisperx[26].text |
券紙張紙張一張一張的等於是消費券那種券我們叫感恩券那這個感恩券現在是紙本那未來是不是可以用數位券的方式因為這樣可以配合比如我們有些商家做電子支付嘛做這個電子的線上的這個購物嘛然後這個我們有一些鄉親可能在台灣地區居住不是在金門啦在台灣那也可以用數位的這個 |
| transcript.whisperx[27].start |
603.977 |
| transcript.whisperx[27].end |
615.188 |
| transcript.whisperx[27].text |
這個券的方式在上電子網去購買電商我們金門的相關商因為我們目的是要促進金門的這個經濟發展嘛那這部分我們財經公司是不是可以來協助我們金門縣主來規劃來借鑑可以喔 那來聯絡我一下好 謝謝您好 謝謝陳一貞委員 謝謝 |