| IVOD_ID |
164685 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/164685 |
| 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 |
2025-10-23T11:51:07+08:00 |
| 結束時間 |
2025-10-23T12:00:00+08:00 |
| 影片長度 |
00:08:53 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/1f1f5c91750503d3b264e4998a54b0c748629de9594d8cbe226cb2fc332523273eca6ea80bfd1def5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
邱志偉 |
| 委員發言時間 |
11:51:07 - 12:00:00 |
| 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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謝主席有請中央銀行楊總裁請楊總裁邱委員早這個總裁早是總裁對於這個我覺得從一些民意來看您的相關的這個政策作為是一般產業對您是非常敬畏非常敬畏對您的一言一行對您所發表任何言論是通常沒辦法匆匆忙忙 |
| transcript.whisperx[1].start |
47.37 |
| transcript.whisperx[1].end |
57.532 |
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是 戒慎恐懼好 這個我們也要自己檢討我們也自己檢討我這幾天看到一個媒體報導媒體報導就是針對你們對這個等一下我看一下這個不動產跟這個金融投資業對 |
| transcript.whisperx[2].start |
76.94 |
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97.605 |
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他們的對經濟成長貢獻度是那當然央行有龐大的這個研究團隊你說這個營造業跟不動產的貢獻度加起來只有0.13 0.07跟0.06%那跟這個組織總數跟中研院做出的包括營建一個不動產業占GDP的比例對 |
| transcript.whisperx[3].start |
99.056 |
| transcript.whisperx[3].end |
119.581 |
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他加起來超過12%遠超過6.42的金融業那這個生產餘額呢生產的毛額營造業加起來跟不動產業加起來有2.6兆也超過金融業的1.6兆當然他說的他的標題比較比較這個聳動說央行別亂開地圖炮你知道這什麼地圖炮 |
| transcript.whisperx[4].start |
126.778 |
| transcript.whisperx[4].end |
153.553 |
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媒體的評論一樣不要亂開地圖炮什麼叫地圖炮就對某個群體進行攻擊對某個群體它有一個特定的立場因為這立場不見得是客觀的那當然相關的工會也會提出相關的數據反駁您對於所謂營造業 營建業跟不動產業對我國經濟的重要性為什麼差距如此之大 |
| transcript.whisperx[5].start |
155.069 |
| transcript.whisperx[5].end |
176.051 |
| transcript.whisperx[5].text |
您的看法呢基本上我跟委員報告我們做這一份報告主要的我們不是針對他針對我們的事實上我們剛剛我也有回答我們的委員當時我們是看到就是說在很多的 |
| transcript.whisperx[6].start |
176.471 |
| transcript.whisperx[6].end |
179.733 |
| transcript.whisperx[6].text |
報導裡面都說火車那個不動產業是我們的經濟的火車頭這是第一個 第二個呢有一篇社論呢他也這麼認為但是呢我們覺得中央銀行根據那個數據我們分析的結果應該我們只是最主要我們只是說要呈現那個數據給大家來我們沒有就是說要 |
| transcript.whisperx[7].start |
204.771 |
| transcript.whisperx[7].end |
217.997 |
| transcript.whisperx[7].text |
後來也就是說看到我們的Q&A說實在的委員我也跟你說一個這個就好像是故事 |
| transcript.whisperx[8].start |
219.082 |
| transcript.whisperx[8].end |
220.983 |
| transcript.whisperx[8].text |
事實上當時我們在記者會記者會的時候本來我是要把這個護錄PO出去的 |
| transcript.whisperx[9].start |
237.19 |
| transcript.whisperx[9].end |
261.888 |
| transcript.whisperx[9].text |
那後來我跟我們同事講就是說這個PO出去不好啦這個好像會讓人家我打斷您的話我打斷您的故事因為我有很多故事要跟你說這個你要發表任何數據一定要是要很客觀不是你們央行的研究團隊的結果你要參考主席總書商中心院相關的數據來做一個橫頻的報道所以我建議這是溝通的問題我不是說你的數據有問題 |
| transcript.whisperx[10].start |
265.771 |
| transcript.whisperx[10].end |
279.857 |
| transcript.whisperx[10].text |
但是跟其他的單位包括公會跟中經院跟主計總署提出的數據是不一樣的而且差別很大所以造成民眾的混淆不不不 那應該都是一樣的應該大家都是用那個主計總署的數據 |
| transcript.whisperx[11].start |
283.585 |
| transcript.whisperx[11].end |
310.371 |
| transcript.whisperx[11].text |
主計總署的數據呢2024年主要行業明目生產毛爾占明目GDP的比重總裁我先不跟你討論我有空再跟你討論因為我這邊還有10個故事要跟你說我只講了一個故事所以為什麼你的一言一行你的這個記者會也好或者你公布的這個新聞稿也好所有的行業都戰戰兢兢包括金融業也是一樣好 這個選擇性信用管制從2020年12月以來第7波 |
| transcript.whisperx[12].start |
311.511 |
| transcript.whisperx[12].end |
339.059 |
| transcript.whisperx[12].text |
你們最調整的主要的檢討或者調整的主要的依據或者主要的參考是什麼是不是這個不動產貸款集中度我看你們報告裡面從去年的最高點37.61一年降到今年8月的36.71要降到什麼樣水準你才會覺得有可能去調整或者是檢討這個選擇性信用管制或者放鬆 |
| transcript.whisperx[13].start |
340.799 |
| transcript.whisperx[13].end |
344.441 |
| transcript.whisperx[13].text |
還是有其他的數據參考包委員 事實上我們參考的數據不是只有集中度還有一些的指標還有哪些指標 你能不能說明一下包括就是說我們不動產的它的一個成長率住宅的貸款的成長率是怎麼樣建築融資的成長率是怎麼樣整體的不動產產業的融資的成長率是怎麼樣這個都是我們觀察 |
| transcript.whisperx[14].start |
369.617 |
| transcript.whisperx[14].end |
388.171 |
| transcript.whisperx[14].text |
大概有幾項指標你們大概說一下大概幾項指標這些都是還有包括你的那個房價的指數這個都是我們觀察的指標還有他的交換他的那個交易的那個動數你能不能把所有你做決策或怎麼樣你做的決策的參考的這個依據你能不能有一個清單給我們做參考 |
| transcript.whisperx[15].start |
390.339 |
| transcript.whisperx[15].end |
392.2 |
| transcript.whisperx[15].text |
我們觀察的 我可以列出給委員就說哪些指標是我們觀察的事實上我跟委員報告 |
| transcript.whisperx[16].start |
414.426 |
| transcript.whisperx[16].end |
436.148 |
| transcript.whisperx[16].text |
我們在我們的報告裡面也都有揭露一些總裁你這個用詳細書面去提供給邱志偉最後一個30秒就是說你們這個報告裡面銀行自主管理不動銅的貸款優先存儲自用住宅跟這個都跟危老配合政府政策的貸款 |
| transcript.whisperx[17].start |
437.069 |
| transcript.whisperx[17].end |
453.77 |
| transcript.whisperx[17].text |
那央行已經給銀行自主彈性調整空間是什麼叫自主彈性調整空間這個太抽象你們具體的我想這個不會很抽象這個銀行都知道它不會是抽象有沒有各個銀行不同的標準 |
| transcript.whisperx[18].start |
455.146 |
| transcript.whisperx[18].end |
459.227 |
| transcript.whisperx[18].text |
還是有一定適用的標準不是說一定適用只要我們認為就是說他給我們揭示給我們的這些數據我們認為就是說他是因為他為什麼他會超過他的目標是因為他對首購他對都更為老對社會住宅的那個什麼的那個而導致他的這個 |
| transcript.whisperx[19].start |
479.351 |
| transcript.whisperx[19].end |
502.297 |
| transcript.whisperx[19].text |
指標他的那個指數呢他的那個成長率高於他的目標各個銀行的自主彈性標準不一樣不一樣啊他不一樣就看他的目前狀況因為他每一個銀行他的一個策略他的一個貸款的一個不太一樣我建議您再去跟所有針對這些國有銀行啊你們給他自主彈性調整空間你要去review一下有些銀行真的貸款的比登天還難 |
| transcript.whisperx[20].start |
503.297 |
| transcript.whisperx[20].end |
529.168 |
| transcript.whisperx[20].text |
所以比當天還難啊那是他自己的practice你已經有自主財信但他還是一樣有些銀行是很難貸款所以你大概也要去銀行很難貸款是因為銀行他有5P他也要follow他的5P啊那如果說這個借物他不符合他的5P那當然他是很難貸款啊這個蠻複雜的 |
| transcript.whisperx[21].start |
533.189 |
| transcript.whisperx[21].end |
533.209 |
| transcript.whisperx[21].text |
好 謝謝 |