| IVOD_ID |
168007 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/168007 |
| 日期 |
2026-03-30 |
| 會議資料.會議代碼 |
委員會-11-5-20-6 |
| 會議資料.會議代碼:str |
第11屆第5會期財政委員會第6次全體委員會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
5 |
| 會議資料.會次 |
6 |
| 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5會期財政委員會第6次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2026-03-30T09:48:45+08:00 |
| 結束時間 |
2026-03-30T09:59:32+08:00 |
| 影片長度 |
00:10:47 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/d0265d86f2f18c6749c0544eff234c575334e86b5f84e1ac97994c33887c7127326b0209a3ccd1cb5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
郭國文 |
| 委員發言時間 |
09:48:45 - 09:59:32 |
| 會議時間 |
2026-03-30T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第5會期財政委員會第6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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國務院長總裁我想我也是來問一下房市的問題那這一次的集中度相對有大幅的下降從37.6%降到36%但是顯然這一次看起來央行雖然非常注重這個集中度但關鍵還是在於說房價的漲幅所以還不到放鬆的時刻民眾的購屋都是主要國家當中最高的所以關鍵還是房價嘛 |
| transcript.whisperx[1].start |
31.923 |
| transcript.whisperx[1].end |
59.111 |
| transcript.whisperx[1].text |
就如同你在溫暖的喊話說只要建商讓利的話交易量就會出現這一說法其實說來說去關鍵就是房價可是在房價的情況底下目前為止我們一直想要去做這個信用管制從2020的12月到2024的9月的第7波以至於到今天為止其實那個央行處理這個信用管制已經也長達4年之久 |
| transcript.whisperx[2].start |
59.791 |
| transcript.whisperx[2].end |
73.368 |
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就叫前一波的六年其實已經相近不遠那是不是代表著說房價只要沒有朝向這個所謂的軟著陸的這個跡象或到一定的幅度的情況底下這信用管制會持續進行是不是這樣子總裁 |
| transcript.whisperx[3].start |
75.731 |
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97.732 |
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我想這只是其中的一點而已不是說那一點很大點吧這一點這個也是其中一點另外一個就是說現在以現在來講的話譬如說中東的戰事中東的戰事中東的戰事沒有中東戰事我們就有信用管制了對所以我們也是必須要非常小心 |
| transcript.whisperx[4].start |
98.792 |
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123.542 |
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對 所以說但是其實在這一次的房價過程當中其實有一個政策其實會變成推波助揚的效果也就是新青安新青安的這一個2.0 1.0討論了很多過去總裁也有講過因為新青安一開始太過於寬鬆造成許多負面的影響央行也付出了很多代價來刪後這是總裁你自己說的新青安的1.0到7月的時候就要到期接下來2.0要上路那過去你認為太寬鬆的部分是什麼 |
| transcript.whisperx[5].start |
128.007 |
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134.149 |
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是不是他那個寬限其實從3年改做5年應該不是800變成1000或是那個貸款還款的時限從30變40到底是哪一個太寬鬆哪一個你會擔心如果說2.0出現的話會不會重蹈覆轍 |
| transcript.whisperx[6].start |
146.292 |
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166.883 |
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有沒有什麼呼籲事實上委員也點到了問題了啦你也點到了問題啦不過呢我在想以財政部還有相關的部會來看就是說包括內政部啦 中央銀行啦 金管會啦這些都有在 你要不要喊話一下在那央行的高度你認為是不是要縮短 |
| transcript.whisperx[7].start |
167.973 |
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196.823 |
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寬限期寬限期如果說據我了解就是說財政部的資料顯示就是說很多一部分都是在三年以下就75%以下都是在75%以下25%在炒作25%是在五年我現在請教你的看法不是財政部的說明那我是總覺得就是說當然啦 |
| transcript.whisperx[8].start |
198.884 |
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207.513 |
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就一個弱勢者來看的話他五年也許對他是好的不過呢我說我個人的看法我覺得就是說 |
| transcript.whisperx[9].start |
213.598 |
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232.267 |
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一個寬限期如果太長的話不好一個寬限期太好的時候呢就這個借款人如果你如果說寬限期太長的時候不好五年太長嘛我們現在慢說五年是不是太長我們要說如果太長的話呢會導致他的一個財務的規劃呢比較鬆散 |
| transcript.whisperx[10].start |
236.789 |
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241.012 |
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會鬆懈那如果說我們讓他縮短一點的時候也許他的一個財務的規劃呢會比較謹慎那這樣的話呢對他也很好對銀行也很好你實在太客氣了總裁我想你大概已經點到說那個寬限期確實是造成你困擾一個很重要的原因因為以前講過很困擾啦這個確實會有造成這種現象拉回來說 |
| transcript.whisperx[11].start |
262.33 |
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276.469 |
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剛剛在講說你把第二戶放寬到六成的這個部分普遍社會反應是好的一來很重要的關鍵原因是因為今年已經陷入這個交屋潮你如果沒有的話你可能會造成違約潮 |
| transcript.whisperx[12].start |
278.25 |
| transcript.whisperx[12].end |
292.717 |
| transcript.whisperx[12].text |
違約草的話一般的購買方他可能會造成違約金會被拿走之外也會造成許多的困擾所以你現在的這個反應是好的我想你用意可能是怕造成這樣的結果但是我必須說 |
| transcript.whisperx[13].start |
294.337 |
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322.899 |
| transcript.whisperx[13].text |
從房貸的這個平均利率的部分 販款利率的部分從2024年的這個8月就是您在實行第七波的管制的2.5%到2.88%到今年的部分已經到2.60%到3.30%喔可是你去看銀行這兩年的販款那個利率利率不用講啦 存款利率不用講販款的部分大宗的周轉金的販款是下降的消費的貸款利率是下降的唯獨購屋的貸款利率是上升的對 |
| transcript.whisperx[14].start |
323.88 |
| transcript.whisperx[14].end |
337.445 |
| transcript.whisperx[14].text |
而且是平均上升的0.16這代表什麼因為銀行嚴格審查這個房屋的貸款案件之後呢變造成啦是一個貸方的市場借方的市場也就是消費者自願提高利率來爭取這個貸款的成數 |
| transcript.whisperx[15].start |
339.266 |
| transcript.whisperx[15].end |
357.55 |
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有這種現象那同樣的問題啊現在房價高居不下的情況底下你即便讓他那個比較喘一口氣五成變六成可是你利率的負擔沒有下降啊對不對你看看喔央行所做的統計喔去年的部分呢本國銀行賺了6175億比前年呢增加了773億成長了14.3%喔 |
| transcript.whisperx[16].start |
363.231 |
| transcript.whisperx[16].end |
378.878 |
| transcript.whisperx[16].text |
那就是說銀行現在再加上今年是交通潮會不會姿態更高會不會把這個利率拉得更高你結果買第二戶的人他承受的壓力就會更大莊太第二戶的人是什麼樣的人你們報告中也寫得很清楚嘛 |
| transcript.whisperx[17].start |
379.298 |
| transcript.whisperx[17].end |
399.144 |
| transcript.whisperx[17].text |
你們肯定多數的第二戶都是屬於自己或家人自住嘛也就是所謂換屋啦、就學啦、就業啦、需求啦或鄉下老宅不能住的情況底下才巴不得已再買第二戶嘛不是嗎總裁這種情況底下這樣的利率負擔總裁你要不要跟銀行喊一下話不要趁火打劫可不可以 |
| transcript.whisperx[18].start |
401.151 |
| transcript.whisperx[18].end |
428.571 |
| transcript.whisperx[18].text |
我想就是說就銀行他的一個放款的一個practice他的一個實務來看的話第一個他的定價還是以風險為考量啦每次都說風險管理但是我就問你嘛同樣的放款有兩個下降的一個是上升嘛現在這就是信用管制的後遺症啊銀行就是藉由你的大刀 |
| transcript.whisperx[19].start |
429.752 |
| transcript.whisperx[19].end |
444.212 |
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來砍向老百姓啊這個我也跟委員報告你不殺柏仁 柏仁是因你而受傷或死亡啊不不不你不想要這樣子 結果就這樣子了總裁因為就是說你要約束一下這些銀行啊 |
| transcript.whisperx[20].start |
445.794 |
| transcript.whisperx[20].end |
451.018 |
| transcript.whisperx[20].text |
不然那個承擔罪過是在你身上啊總裁我在做善意的提醒我不是在做譴責啦委員我們針對委員這個議題啊我們再來深入的跟銀行來了解對有道理嘛 |
| transcript.whisperx[21].start |
460.945 |
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484.21 |
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你應該找他來喝個咖啡 喝個茶 喝個白開水都好不要造成那個購買方的壓力第二戶就相信報告的第二戶大部分都自助你自己寫的啊 對不對那如果第二戶都要自助的話第一個原因就是利息你不應該負擔過重嘛不是嗎第二個原因是什麼這個六成有沒有機會再變成七成有沒有可能 |
| transcript.whisperx[22].start |
485.393 |
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508.609 |
| transcript.whisperx[22].text |
假以時日啊如果等同一支柱的話就跟第一戶差不多啦如果您的判斷是如此的話還是要保留一個戰略彈性空間將來以後再說我想委員的這個意見我們來深入來跟銀行來討論因為每一家銀行的practice是不大一樣的普遍是增加您的報告就講了獲利率增加14.3%這是你寫的 |
| transcript.whisperx[23].start |
511.851 |
| transcript.whisperx[23].end |
537.779 |
| transcript.whisperx[23].text |
所以說他很清楚嘛他獲利的來源在哪裡嘛銀行 你很溫柔的對待他吧這個貸款的比例增加但是貸款的利息卻更加的沉重總裁 我是跟您分享民間的一些看法我不希望你在執行國家政策當中負有太多的一個不必要的罪名啦好不好 謝謝啦 |
| transcript.whisperx[24].start |
538.579 |
| transcript.whisperx[24].end |
558.431 |
| transcript.whisperx[24].text |
結果是銀行在受利 結果你在背黑鍋對總裁不公平嘛 不是嗎對啊 這第一點嘛第二點 那個該放的時候你如果適當的時候六成有沒有可能變七成總裁你心裡頭有一個底嘛 對不對 好不好既然你認定他是自助好 最後一個問題我想問一下總裁的部分總裁我們之前有對話過黃金的問題 |
| transcript.whisperx[25].start |
560.672 |
| transcript.whisperx[25].end |
581.586 |
| transcript.whisperx[25].text |
房金起起伏伏啦大概我們現在大概總用了房金的存量全球排名第13名然後大概有兩兆之多目前在外匯的比例大概佔一成現在呢大概過去的話大概5%是因為價格增高但是我想問一下當初你說你如果說呢可以的話你也不排除要買進最近有買嗎 |
| transcript.whisperx[26].start |
582.586 |
| transcript.whisperx[26].end |
601.455 |
| transcript.whisperx[26].text |
最近沒有買三個月都沒有買沒有你也不管他起起伏伏沒有可是你整個整個外匯儲備的這個配比的部分的話難道黃金就是固定到5%或10%還是要全部都壓在這個美債嗎沒有一個固定匯率的政策嗎央行的一個政策是一個我們會試時機啦 |
| transcript.whisperx[27].start |
604.736 |
| transcript.whisperx[27].end |
622.961 |
| transcript.whisperx[27].text |
timing現在不是timing,好的timing現在不是timing即便戰爭打成這樣子也不是好的timing我想也不是都不考慮現在還沒有還沒有timing還不考慮還在看適當的時候還沒有,時機好的時機還沒有到所以說配比實際上是可以拉高的 |
| transcript.whisperx[28].start |
624.362 |
| transcript.whisperx[28].end |
639.959 |
| transcript.whisperx[28].text |
我們也有想要就進場但是這個不是timing也有想要進場但是還不是好的timing所以配比是可以拉高的不是固定的好謝謝總裁謝謝主席謝謝來謝謝國委下一位執行委員請林黛樺委員好主席有請總裁 |