| IVOD_ID |
164678 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/164678 |
| 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 |
2025-10-23T11:36:33+08:00 |
| 結束時間 |
2025-10-23T11:42:53+08:00 |
| 影片長度 |
00:06:20 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/1f1f5c91750503d304d84dd307115d3548629de9594d8cbe378985d1c29b3fea28abf62da49b1b6a5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
葉元之 |
| 委員發言時間 |
11:36:33 - 11:42:53 |
| 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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主席好 麻煩請總裁好 請楊總裁葉委員早總裁你好我是想跟您反映有關於現代令的問題當然剛剛現代令政府的政策要打房這些我都沒有意見當然醫治房價那些政府有做法但是想跟你反映幾個狀況第一個狀況是換屋主 |
| transcript.whisperx[1].start |
33.134 |
| transcript.whisperx[1].end |
55.015 |
| transcript.whisperx[1].text |
我們那邊有一個民眾他是想要換屋然後換屋的原因是因為他本來一個小孩也大了然後想要再生一個然後原來的房子不夠住了就想要換那因為要買第二間貸款就只能貸五成然後銀行當然可以簽個切結書就是說假設你第一間在一年半 |
| transcript.whisperx[2].start |
55.856 |
| transcript.whisperx[2].end |
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| transcript.whisperx[2].text |
之內賣掉的話你可以貸八成但是如果沒有賣掉的話就要追回但是因為一般銀行就覺得麻煩想說還要去追很麻煩所以他現在就不容易貸款現在就只有兩種做法一種做法就是把第一間賣掉然後去租房子然後想辦法再買第二間然後第二個就是在以拖待變反正小孩就先不生看看政府的政策有沒有改變來解決他的 |
| transcript.whisperx[3].start |
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| transcript.whisperx[3].text |
目前遇到困境那我覺得這個因為現在有國安問題嘛那如果遇到有年輕人他想生小孩想要換屋但是在換屋這一塊又遇到一些貸款的問題讓他減少生小孩的意願那我不知道 |
| transcript.whisperx[4].start |
103.707 |
| transcript.whisperx[4].end |
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| transcript.whisperx[4].text |
總裁這邊有什麼看法或一些配套措施嗎我跟委員報告如果說你的這個鄰居他面臨的這個問題不是我鄰居啦是那個民眾啦好 沒關係就是說那個民眾呢可以 |
| transcript.whisperx[5].start |
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| transcript.whisperx[5].end |
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| transcript.whisperx[5].text |
就是說來跟我們的業務局我們有申訴的管道我們有15線他來跟我們申訴他跟哪一家銀行因為他符合這個資格這個銀行又說他沒有符合這個資格有些時候雙兆之間就必須要有些時候是要對質 |
| transcript.whisperx[6].start |
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| transcript.whisperx[6].text |
不一定就說他講的就對了你這個是政策跟現實的落差您最好可以去了解一下我們了解這個案子你可以去了解因為實際上他就是遇到這個困難您的意思是說銀行不能拒絕貸款只要能夠簽這一年半就一定要貸您的想法是這樣嗎否則申訴嘛 |
| transcript.whisperx[7].start |
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| transcript.whisperx[7].end |
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| transcript.whisperx[7].text |
等一下我們先理清問題不然會吵不完你的意思是說他就是可以來檢舉他可以來申訴申訴銀行會有問題但是實際上實務上就不是這樣所以因為今天我們反映這個意見給你你去了解一下看這個狀況多不多 |
| transcript.whisperx[8].start |
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| transcript.whisperx[8].end |
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| transcript.whisperx[8].text |
銀行遇到我剛講的狀況的時候是不是會很樂意的貸款還是說會找很多理由您可以去了解一下這是第一件事情第二件事情因為我們現在賴政府也在推自主都更我看卓鴻泰院長的講法是說自主都更比較好 |
| transcript.whisperx[9].start |
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| transcript.whisperx[9].text |
因為他可以避免被建商扣掉行政成本嘛隆基的部分地主可以換得比較多對吧可是呢卓院長他提出來的方案呢是希望這些地主去找一個建金公司然後說建金公司後面會有金融支持然後也可以協助這個建築啊營建這一塊那不是一樣的意思 |
| transcript.whisperx[10].start |
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| transcript.whisperx[10].text |
你現在只是把那些行政成本從建商轉移到建金公司啊那地主並沒有換你比較多啊還是一樣要付行政成本啊那自主都更是有一個啦就是如果說地主成立自主更新會自主更新會的話當然 |
| transcript.whisperx[11].start |
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| transcript.whisperx[11].text |
他們的地主自己啊籌一個會然後去找銀行貸款然後再找建商來蓋的話當然行政成本就會比較低嘛但問題是自主更新會又會遇到一個問題銀行也不太會願意貸給自主更新會為什麼因為建商就是一個啊銀行跟他簽約簡單啊如果一百個地主咧那更多兩百個地主咧那銀行怎麼會願意去跟那麼多人簽所以這個部分我覺得你要給那個卓議院長建議啊 |
| transcript.whisperx[12].start |
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| transcript.whisperx[12].text |
他如果要推置主都更當然很好因為現在我們那個危老很多嘛原來台灣幾十萬三十年以上屋齡的老房子要推當然是要做可是在貸款這塊會遇到問題沒有錯 那個總裁怎麼看 |
| transcript.whisperx[13].start |
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| transcript.whisperx[13].text |
是 沒有錯 事實上內政部據我了解內政部他也要來修好像是他也有一個措施要來promote自主渡工他也來跟我們中央銀行接洽過我們也做了一些的建立給他 |
| transcript.whisperx[14].start |
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| transcript.whisperx[14].text |
所以我是覺得剛剛你建議給他你沒有跟我講所以我也不知道你建議他什麼我剛剛講的問題會不會發生那你要怎麼解決 |
| transcript.whisperx[15].start |
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| transcript.whisperx[15].text |
當然 這個應該是內政部的事情銀行貸款 銀行會願意去跟比如地主很多自主更新會這一塊對 他好像他也有一些的優惠要怎麼優惠來一個什麼優惠他有一個中介平台央行也去了解一下好 事實上有 前一陣子我們也有跟他那給我書面好不好 書面好啊 可以你剛剛什麼細節都沒講 |
| transcript.whisperx[16].start |
356.384 |
| transcript.whisperx[16].end |
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| transcript.whisperx[16].text |
這個蠻detail的啦你連大概都沒講而且這個又不是我們沒關係啦書面主席站起來了總裁就用書面打頭什麼時候書面給我這detail要用書面打頭對書面大概什麼時候一個月啦好不好這個也要一個月喔這個也要一個月兩個禮拜好了啦兩個禮拜啦謝謝好謝謝岳言之委員 |