| IVOD_ID |
166650 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/166650 |
| 日期 |
2025-12-24 |
| 會議資料.會議代碼 |
委員會-11-4-20-14 |
| 會議資料.會議代碼:str |
第11屆第4會期財政委員會第14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 |
14 |
| 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14次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2025-12-24T11:28:26+08:00 |
| 結束時間 |
2025-12-24T11:40:39+08:00 |
| 影片長度 |
00:12:13 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/8b793423fad44d60fb392a95dfaf0c2863a8c7f6258665b2d81c25c0c566a88ae76c662ebc5f4a645ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
王世堅 |
| 委員發言時間 |
11:28:26 - 11:40:39 |
| 會議時間 |
2025-12-24T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第4會期財政委員會第14次全體委員會議（事由：邀請行政院主計總處陳主計長淑姿、財政部莊部長翠雲、金融監督管理委員會彭主任委員金隆、國家發展委員會副主任委員、內政部次長、外交部次長、國防部副部長、教育部次長、法務部次長、經濟部次長、交通部次長、勞動部次長、農業部次長、衛生福利部次長、運動部次長、環境部次長、文化部次長、數位發展部次長、僑務委員會副委員長、國家科學及技術委員會副主任委員、海洋委員會副主任委員、國軍退除役官兵輔導委員會副主任委員、人事行政總處副人事長、國立故宮博物院副院長、原住民族委員會副主任委員、客家委員會副主任委員、中央選舉委員會副主任委員、核能安全委員會副主任委員、公平交易委員會副主任委員、國家通訊傳播委員會副主任委員、大陸委員會副主任委員、公共工程委員會副主任委員就「115年度中央政府總預算案至今尚未審查，近3,000億元之新興、新增計畫將無法推動，對國家整體發展之影響」進行專題報告，並備質詢。） |
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謝謝主席我請財政部莊部長請莊部長委員好莊部長辛苦了我們在對於不動產的放款集中度的部分 |
| transcript.whisperx[1].start |
27.802 |
| transcript.whisperx[1].end |
45.983 |
| transcript.whisperx[1].text |
去年6月我們統計當時我們本國所有39家銀行平均對不動產放款佔它總放款的37.6%37.61%這是非常高的一個額度所以當時 |
| transcript.whisperx[2].start |
49.166 |
| transcript.whisperx[2].end |
72.893 |
| transcript.whisperx[2].text |
當時我們財委會就要求財政部也要求經管會就是要針對放款給不動產這個額度要降低當時定的目標額度是35%那結果經過了去年9月調查一次額度已有降大概降到36.71% |
| transcript.whisperx[3].start |
75.543 |
| transcript.whisperx[3].end |
102.417 |
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那今年12月就是這個月又降了0.01%到36.7%那突然間上個禮拜中央銀行就放寬啦他就說這個放寬集中度就交由各銀行自己自己去監管去控管那我想請問部長就是說 |
| transcript.whisperx[4].start |
105.149 |
| transcript.whisperx[4].end |
119.159 |
| transcript.whisperx[4].text |
這跟新青安有關嗎是不是我們財政部因為要推動新青安2.0所以就跟中央銀行報告就要求應該放寬是這樣子嗎 |
| transcript.whisperx[5].start |
121.94 |
| transcript.whisperx[5].end |
122.1 |
| transcript.whisperx[5].text |
是啊 既然是這樣 |
| transcript.whisperx[6].start |
141.34 |
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167.116 |
| transcript.whisperx[6].text |
那對 那跟委員這個報告這個畫面上可以看出來不動產的集中度有下降但是央行這次理事會並不是說就不管這個集中度而是回到各銀行你自己要去控管而且我印象中還有每一個月必須要把這個情況報給央行好 各銀行自己控管那我今天為什麼找你上來我不是搞金管會你知道嗎因為我們公營行庫這八大行庫 |
| transcript.whisperx[7].start |
169.437 |
| transcript.whisperx[7].end |
189.648 |
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就是由你管的啊董事長總經理都你派的他們的政策作為你要負全責啊我光是講我們八大行庫好了從去年六月我們本來有要求之下那麼他對於不動產貸款的集中度反而增加了0.84% |
| transcript.whisperx[8].start |
193.687 |
| transcript.whisperx[8].end |
219.587 |
| transcript.whisperx[8].text |
這個增加了五千零六億在不動產的放款喔在不動產的放款然後這個反而民營航庫民營航庫還多少聽點話民營航庫去年我們要求以後它降了0.77%八大公營航庫增加0.84%那只有民營航庫有在聽話 |
| transcript.whisperx[9].start |
221.007 |
| transcript.whisperx[9].end |
231.152 |
| transcript.whisperx[9].text |
那我並不是說新清安怎麼不好新清安利益良善如果真的訂好規則沒有例外情況的話本來是好但是 |
| transcript.whisperx[10].start |
233.939 |
| transcript.whisperx[10].end |
254.727 |
| transcript.whisperx[10].text |
我們過去的行情行就是這三步沒有限年齡也沒有限首購更沒有限他們收入所以這另外還有一個大的問題就是大量的被人頭來使用所以當然行情行2.0要去改善可是 |
| transcript.whisperx[11].start |
256.172 |
| transcript.whisperx[11].end |
276.852 |
| transcript.whisperx[11].text |
可是在改善的同時我們也必須注意對於不動產過度集中放款這個風險比方說我舉例啦這裡面公營航庫光是台營跟土營喔台營土營兩家放款給不動產的額度就高達三兆 |
| transcript.whisperx[12].start |
278.799 |
| transcript.whisperx[12].end |
294.313 |
| transcript.whisperx[12].text |
佔我們全國公民銀行39家銀行的兩成欸台銀跟土銀過度集中在不動產的放款這一個部分 曝險過高那 曝險這麼高 |
| transcript.whisperx[13].start |
298.677 |
| transcript.whisperx[13].end |
325.896 |
| transcript.whisperx[13].text |
風險不是只有他擔是我們全體2300萬民眾大家辛苦的血汗錢存款戶的血汗錢所以這風險度過高那我們如果部長如果你一再縱放八大供應行戶尤其台銀、土銀如果一再縱放他們去過度集中的話現在民營銀行他們也來有樣學樣 |
| transcript.whisperx[14].start |
328.649 |
| transcript.whisperx[14].end |
355.305 |
| transcript.whisperx[14].text |
有樣學樣 甚至不只民營銀行像華太銀行 台中商銀 星光銀行你看它這一年裡面 他們對不動產放款的集中度大幅的增高那民營銀行有樣學樣連外商銀行 他們也來推波助瀾 分一杯羹 |
| transcript.whisperx[15].start |
357.642 |
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372.295 |
| transcript.whisperx[15].text |
你看渣打銀行 匯豐銀行這兩家銀行啊他們放款不動產竟然超過50%超過50%耶 天啊那簡單講就是受到我們政府這樣子政策跟管理上這個部分的空間 |
| transcript.whisperx[16].start |
385.07 |
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407.007 |
| transcript.whisperx[16].text |
所以他們就受到另一種變相的鼓舞所以這個部分我希望你能夠所以我認為說我為什麼這麼在乎這一點因為新清安我剛剛講利益是良善可是實施以來我們大家看一看他對房價對房價 |
| transcript.whisperx[17].start |
411.609 |
| transcript.whisperx[17].end |
425.513 |
| transcript.whisperx[17].text |
飆漲的這個幅度他是非常正面的幫助了房價的高漲我們看一下齁在疫情這四年2016到2020裡面房價指數的漲幅5.4%那疫情這三年半房價指數 |
| transcript.whisperx[18].start |
437.066 |
| transcript.whisperx[18].end |
455.145 |
| transcript.whisperx[18].text |
漲24.9%但是新青安新青安喔上路的一年內一年就漲了12.3一年就漲12.3你看看喔過去疫情前喔前四年漲5.4新青安一年就漲12.3那 |
| transcript.whisperx[19].start |
458.345 |
| transcript.whisperx[19].end |
468.192 |
| transcript.whisperx[19].text |
房價所得比他的漲幅佔這個比例的升高從1.4到新興安的時候9.7所以啊我覺得這個太可怕了所以我要問你的第二個問題就是說部長你認為如何 |
| transcript.whisperx[20].start |
481.957 |
| transcript.whisperx[20].end |
488.647 |
| transcript.whisperx[20].text |
來避免我們台灣的房價繼續高度的成長你的看法呢 |
| transcript.whisperx[21].start |
490.045 |
| transcript.whisperx[21].end |
493.348 |
| transcript.whisperx[21].text |
先跟委員報告新青安這個貸款額度並沒有從那個不動產貸款集中度裡面去排除所以他仍然算在不動產的貸款的額度裡面那第二個部分有關新青安的部分會到明年的7月31號就告截止那這個後續有關的一些調整要不要做調整跟檢討財政部會持續邀同相關機關以及公股航庫一起來做討論 |
| transcript.whisperx[22].start |
517.208 |
| transcript.whisperx[22].end |
520.31 |
| transcript.whisperx[22].text |
那在這個親親案的執行過程當中呢我們也不斷的精進包含醫生只能帶一次親親案另外就是說對於有人頭或出租就利用這種親親案而不是做自助使用的部分其實我們也做大力的追查那其實追回的有關利息的補貼已經超過一億五千萬那追回的戶數也超過七千多件這個部分我們持續在精進那後續我們會持續的檢討來做一些調看要怎麼樣的 |
| transcript.whisperx[23].start |
547.21 |
| transcript.whisperx[23].end |
566.716 |
| transcript.whisperx[23].text |
政策面上要做怎麼樣的因應 以上的報告你說有追圍的 不當的 新興安的這個比方說人頭 比方說沒有收入這些你說有追圍7000多件我們都有 持續在做7000多件 有嗎 金額多少 追圍多少 |
| transcript.whisperx[24].start |
568.59 |
| transcript.whisperx[24].end |
579.876 |
| transcript.whisperx[24].text |
現在已經是達到八千六百件了那金額也超過一億五千萬以上一億五千萬那個利息補貼 利息補助的部分你總金額再算給我好不好 利息補貼你說是一億嘛但是我們花在新青安的利息補貼是數以數是億計啦 |
| transcript.whisperx[25].start |
594.298 |
| transcript.whisperx[25].end |
610.915 |
| transcript.whisperx[25].text |
是因為就是我們當時新西安是為了要協助沒有自住房屋的青年朋友們可以有一點自住我們協助青年朋友尤其是剛入社會或者剛創業 剛結婚這個都正確但是不要 |
| transcript.whisperx[26].start |
612.165 |
| transcript.whisperx[26].end |
633.775 |
| transcript.whisperx[26].text |
陷入被人頭跟房仲公司跟建商 他們勾結好了嗎對的不可以 因為先前你看嘛 光查到就查了8000多件啊還有高收入的他也來新清安 他不是首購的他也來新清安所以我是要 部長我今天問你這些問題 我就是希望說 |
| transcript.whisperx[27].start |
635.994 |
| transcript.whisperx[27].end |
665.02 |
| transcript.whisperx[27].text |
對於房屋對不動產放管的集中度要去降低尤其對公營航庫也就是說財政部跟公營銀行不要帶頭不要再去火上加油讓我們國內的房價一而再再而上推高你看根據這三大房價指數內政部的住宅價格指數國泰的房價指數信義的房價指數在這些指數上面 |
| transcript.whisperx[28].start |
665.72 |
| transcript.whisperx[28].end |
681.788 |
| transcript.whisperx[28].text |
那麼這個上漲的趨勢是非常明顯而且是從新清安不當的新清安開始的所以我希望新清安2.0如果要做我們就要做的徹底要幫到真正需要的青年朋友們 |
| transcript.whisperx[29].start |
683.347 |
| transcript.whisperx[29].end |
700.645 |
| transcript.whisperx[29].text |
這個收入低的青年朋友們創業的青年朋友們新婚的青年朋友需要幫助的青年朋友們這樣我們這個政策來自於我們全民對青年朋友們的利息補助這才是值得的嘛 |
| transcript.whisperx[30].start |
701.411 |
| transcript.whisperx[30].end |
716.883 |
| transcript.whisperx[30].text |
好不好 委員這意見我們一定會在制定的時候 一定會納入的是 謝謝委員好 台銀 土銀的特別 盯一盯他們啦我看他們這兩家好像都是脫薑泥嘛好像他們董事長 總經理好像都不太聽你的話不會啦 好 謝謝你認命的 我只能找你 好不好好 謝謝 謝謝 王委員 |
| transcript.whisperx[31].start |
728.552 |
| transcript.whisperx[31].end |
732.746 |
| transcript.whisperx[31].text |
接下來我們請鄭正前委員鄭正前委員鄭正前委員 |