| IVOD_ID |
168034 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/168034 |
| 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 |
2026-03-30T11:47:01+08:00 |
| 結束時間 |
2026-03-30T11:58:15+08:00 |
| 影片長度 |
00:11:14 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/d0265d86f2f18c6777009b2cc75caa5d5334e86b5f84e1acb7080941cab810ccdae08b56ec4be6015ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
王世堅 |
| 委員發言時間 |
11:47:01 - 11:58:15 |
| 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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| transcript.whisperx[0].start |
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謝謝主席,我請央行楊總裁 |
| transcript.whisperx[1].start |
12.16 |
| transcript.whisperx[1].end |
37.84 |
| transcript.whisperx[1].text |
楊總裁辛苦了謝謝你鼓勵尤其這幾年來你堅持一些看法堅持你們專業的分析你們對於房市的管制一直都持著很嚴謹的態度並沒有妥協這一點社會大眾對你是非常肯定也感謝的 |
| transcript.whisperx[2].start |
38.681 |
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只是我最近有一事不解也是關於房市的問題前年啊你那時候是有動作先機當時你針對不動產放款的集中度來做管制這是對的 |
| transcript.whisperx[3].start |
59.866 |
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66.648 |
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前年六月當時不動產放款集中度是高達37.61%那當時你就開始宣布要管制目標是35%這也都很正確很好 |
| transcript.whisperx[4].start |
78.012 |
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102.695 |
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那到了這個去年的9月去年的9月是已經降到36.71所以我們仍然繼續管制這個多好但是啊到了這個去年12月底貴航第四季的禮監事會議的時候當時就鬆綁了集中度的管制當時是 |
| transcript.whisperx[5].start |
105.287 |
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127.879 |
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降0.01而已當時是從36.71降到36.7結果只降0.01那你們突然間就把這個管制就放鬆了那尤其在今年10天前10天前你們第一季的禮監事會的時候你們竟然是說要放寬 |
| transcript.whisperx[6].start |
129.7 |
| transcript.whisperx[6].end |
153.595 |
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自然人第二戶購屋貸款放寬從五成放寬到六成這一點我就百思不解啦這一點我就不解現在我們房屋放款的集中度並沒有再大幅下降啊離目標35%也還一段距離為什麼在此時此刻放寬 |
| transcript.whisperx[7].start |
154.736 |
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166.469 |
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而且放寬這個第二戶齁那個總裁應該你也曉得啊第二戶會購買第二戶以後甚至第二戶以上好幾戶的 |
| transcript.whisperx[8].start |
168.356 |
| transcript.whisperx[8].end |
189.811 |
| transcript.whisperx[8].text |
大多數都是投資客那我們如果放寬第二戶房貸的限制的話等於就是也放寬了讓投資客他們可以繼續去藉由炒作去獲利去炒高房價那我為什麼這麼不懂 |
| transcript.whisperx[9].start |
191.266 |
| transcript.whisperx[9].end |
205.453 |
| transcript.whisperx[9].text |
除了房屋放款的集中度以外集中度沒有降跟現在民眾的感覺也都息息相關我就舉這幾個大筆的比方說我就舉三大好了 |
| transcript.whisperx[10].start |
207.14 |
| transcript.whisperx[10].end |
216.644 |
| transcript.whisperx[10].text |
購屋痛苦指數好了購屋痛苦指數在我們台灣在我們國內台北市最高他超過60%高達65.41啦新北市其次56.77痛苦指數台中也破50% |
| transcript.whisperx[11].start |
229.65 |
| transcript.whisperx[11].end |
251.575 |
| transcript.whisperx[11].text |
那在購屋痛苦指數依然居高之下第二點房價所得比房價所得比竟然平均平均國內房價所得比9.71啦9.71倍也就是說不吃不喝要9.71年才有辦法來買房子那第三 |
| transcript.whisperx[12].start |
258.752 |
| transcript.whisperx[12].end |
284.027 |
| transcript.whisperx[12].text |
就是房貸負擔率房貸負擔率我們全多數國人把整個家庭收入啊比方說在台北市的部分有將近七成房貸負擔率將近七成高達七成之多全國平均房貸的負擔率是42%這都很高啊 |
| transcript.whisperx[13].start |
287.585 |
| transcript.whisperx[13].end |
308.37 |
| transcript.whisperx[13].text |
大家辛苦工作所得 結果都成了烏奴啦 都成了烏奴所以在這三大面向的分析之下 都是全民感受得到的痛苦之下結果我們突然間 三月份 好不容易堅持這麼久的 |
| transcript.whisperx[14].start |
310.271 |
| transcript.whisperx[14].end |
333.608 |
| transcript.whisperx[14].text |
根據這個我們這麼久的這個根據這個房市的管制結果這次鬆綁啦 你看法為什麼 為什麼是 我覺得那個委員的分析都非常的正確至於就是說要我們來說一個理由我想我很簡單的 第一個就是說 |
| transcript.whisperx[15].start |
337.972 |
| transcript.whisperx[15].end |
346.92 |
| transcript.whisperx[15].text |
37.6%下降到36%這個是也有一定的成效了當然剛剛委員是說我們的目標是35%不過我們也沒有對外講究說我們的目標就是一定35% |
| transcript.whisperx[16].start |
355.407 |
| transcript.whisperx[16].end |
381.899 |
| transcript.whisperx[16].text |
這個要看情況啦不過呢35就是說是從你的圖形上看上去的話35是確實是從低點往上的嘛所以呢我想36到目前為止我們就是說我們有一定的成效我們沒有說我們很滿意這是第一點第二點呢我們之所以會放我們就是說一定的成效第二點我們為什麼會放寬第二戶最主要的就是說 |
| transcript.whisperx[17].start |
382.839 |
| transcript.whisperx[17].end |
398.766 |
| transcript.whisperx[17].text |
我們剛剛委員分析的也沒有非常正確就是說第一戶跟第二戶是草房的最大最大宗嘛那第一戶呢在第一戶跟第二戶裡面呢是第一戶的草房的比重更大 |
| transcript.whisperx[18].start |
399.861 |
| transcript.whisperx[18].end |
425.819 |
| transcript.whisperx[18].text |
第二戶在草房的比重比較小根據我們的資訊第一戶的草房的大概是七成第二戶的大概是兩成最多兩成我記得是15%到20%這是第二個第三個就是說在我們管制的這一段期間裡面第二戶下降的速度非常快 |
| transcript.whisperx[19].start |
426.803 |
| transcript.whisperx[19].end |
437.672 |
| transcript.whisperx[19].text |
它下降會速度非常快所以呢也就是說是從從多少呢從這個從它是減少了跟同期間是從它是減少了分別為24.7 18.3你說集中度減少 |
| transcript.whisperx[20].start |
446.38 |
| transcript.whisperx[20].end |
452.566 |
| transcript.whisperx[20].text |
它減少的幅度非常大它減少了多少呢 減少了8.6跟6.5那我們是覺得就是說 以草房的七成 大部分是說第一戶那第二戶呢 它只有占15%到20%那但是呢 它下降的速度比較快 |
| transcript.whisperx[21].start |
471.184 |
| transcript.whisperx[21].end |
488.006 |
| transcript.whisperx[21].text |
那我們是覺得就是說如果我們因為第三個就是說他對第二戶呢就是說他是自住的那我是總覺得這個自住我們如果說微調的話呢對於整個我們的管制的那個的impact應該是不會有多大的影響 |
| transcript.whisperx[22].start |
488.847 |
| transcript.whisperx[22].end |
505.121 |
| transcript.whisperx[22].text |
你認為說不會太大影響這個我們尊重但是你剛剛講他第二戶構設的我們放寬但是你說他是自住自住這一點我希望在這一個部分我們可以加強去稽查去瞭解透過銀行去瞭解 |
| transcript.whisperx[23].start |
508.924 |
| transcript.whisperx[23].end |
532.249 |
| transcript.whisperx[23].text |
我們至於你說的第一戶的炒房率遠高於第二戶這個當然我們再研究一下啦你們可能那邊有研究的我看的資料我自己分析的是沒有差那麼多啦可能就是建商因為他們會現在大舉的用這個公司的人頭戶去把這個 |
| transcript.whisperx[24].start |
536.278 |
| transcript.whisperx[24].end |
551.833 |
| transcript.whisperx[24].text |
他們當初的土榮建榮要轉成分屋貸款這可能也是個原因啦要不然往往都是第二戶投資客最多啦我第二個問題要請教你的就是關於我們這個主權基金主權基金 |
| transcript.whisperx[25].start |
560.345 |
| transcript.whisperx[25].end |
585.411 |
| transcript.whisperx[25].text |
去年總裁你有鬆口了啦但是你認為說假使要用外匯你是說要有一定的利潤有長波用你才肯就對了那你對國家基金的主權基金的看法到底是這樣你支持還是不支持就是說如果 |
| transcript.whisperx[26].start |
586.488 |
| transcript.whisperx[26].end |
603.203 |
| transcript.whisperx[26].text |
我們不用外匯那改用其他這兩種管道財政部發特定的公債那這個稅收我們用財政盈餘來做主權基金那這樣你支不支持我當然我也支持啊 |
| transcript.whisperx[27].start |
603.763 |
| transcript.whisperx[27].end |
631.486 |
| transcript.whisperx[27].text |
也是支持我也是支持在我看我是認為我們一定要用外匯存底當作基底我想總裁你也應該心知肚明這是我們國家最大筆的來源也最穩定鄰近的國家韓國馬來西亞香港他們都是所以我希望說是不是再來你針對說要有長波用要有一定 |
| transcript.whisperx[28].start |
632.567 |
| transcript.whisperx[28].end |
654.901 |
| transcript.whisperx[28].text |
固定一個利潤以上才肯那你再研究一下要怎麼樣的利潤才肯因為我們大家把話挑明尤其中央銀行你帶頭財政部、經濟部、金管會跟隨之下我們趕快來促成主權基金好不好因為主權基金我們到現在為止我們台灣確實有點慢了應該要積極下去推動落實好不好謝謝謝謝委員 |
| transcript.whisperx[29].start |
663.226 |
| transcript.whisperx[29].end |
665.919 |
| transcript.whisperx[29].text |
再來下一位諮詢人員請耿如軍委員質詢 |