| IVOD_ID |
169898 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/169898 |
| 日期 |
2026-06-10 |
| 會議資料.會議代碼 |
委員會-11-5-20-18 |
| 會議資料.會議代碼:str |
第11屆第5會期財政委員會第18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 |
18 |
| 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18次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2026-06-10T09:44:23+08:00 |
| 結束時間 |
2026-06-10T09:55:21+08:00 |
| 影片長度 |
00:10:58 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/dee24285c0428ea523f606c37b09def121dd72608bfb9572a83ef3dae05f68239c8b0e28f4b914155ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
郭國文 |
| 委員發言時間 |
09:44:23 - 09:55:21 |
| 會議時間 |
2026-06-10T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第5會期財政委員會第18次全體委員會議（事由：一、審查中華民國115年度中央政府總預算案附屬單位預算營業部分關於中央銀行（含中央造幣廠、中央印製廠）。（詢答及處理）
二、審查中華民國115年度中央政府總預算案附屬單位預算營業部分，關於財政部主管中國輸出入銀行、臺灣金融控股股份有限公司（含臺灣銀行股份有限公司、臺銀人壽保險股份有限公司、臺銀綜合證券股份有限公司）。（僅詢答）
【6月10日及11日兩天一次會】
【預算提案截止時間：第一案6月10日（三）上午10時，第二案6月10日（三）下午5時】） |
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謝謝主席 有請楊總裁還有包括我們財政部的部長請楊朗楊總裁 財政部莊部長 |
| transcript.whisperx[1].start |
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我先就教總裁郭委員早總裁我想剛剛幾位同仁也提到世代同堂的問題大家是擔心說會不會產生所謂的系統化的風險產生了未來的隱憂因為管理金融的穩定的單位是央行目前為止講了比較多房貸、車貸、信貸但是統一的單位在管理 |
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他還可以查到一些相關的數據比如說那個銀行局的說法最高的部分小額信貸的部分也高達了9.4%參黨的速度算蠻快的但是我再讓你看一個數據政局局的說法就是在去年前四月的融資交易金額是283.2億但是今年的融資的部分是64 |
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13億足足成長了3581億也就是成長了2.26倍也就是說確實透過融資的部分比例非常的高那再來說的話雖然不同的單位但是殊途同歸啦我們看到的這個 |
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這個質押的部分大家想到的可能是股票的質押可是還有包括這個保單的質押都有可能拿到錢所以各種質押進去的時候你凸顯出一個數據你去思考一下為什麼在成交量最高的那一天的兩兆當中有一兆 |
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是什麼是當沖所以這些人的資金基本上就是拿去玩股票了嘛所以很顯然這些的分析是有道理的那問題我們是最擔心的是有系統化的風險做一個央行一個高度這麼監理單位來說你有沒有可能去了解一下在不同的這種借貸行為當中有一個比較相關的跨商品的高槓桿的監測機制的一個成立有沒有可能 |
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我跟委員報告事實上這個信用就股市的信用事實上金管會都在據我了解一部分啦但是以你的高度來說然後就中央銀行來講的話那當然就是說整個信用特別是因為信用的話是銀行 |
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我知道那是銀行局 三個貸款都是銀行局那一部分是政企局 不同單位所以就整個總體的信用來看的話就誠如委員說的 他成長的速度快剛剛委員也有談到就是說 系統性的風險不過我跟委員報告 |
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我覺得現在離那個系統性的風險應該還是還有一段距離還很遠主要說我們主管機關必須要在現在目前的情況之下必須要密切注意密切注意儘管一直還是儘管會要密切注意但是已經影響到你央行你知道嗎央行6月3號的時候飆售了1400億的364天的定存產生什麼現象 |
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第一個四年來第一次賣不完第二個你的得標加權平均的利率是1.523是2008金融風暴以來最高那顯示銀行裡頭都沒有什麼錢錢都放出去 |
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我跟委員報告 事實上我們的存單本來是1400億我說的是事實吧我說的這個現象是事實啊事實事實 委員當然講的是事實 但是我要跟委員報告就是說第一個是因為剛好現在五月六月剛好是角色以前沒有什麼會剛好有這種因素 |
| transcript.whisperx[11].start |
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所以說第一個就是繳稅的因素第二個是因為我們現在的AI是非常熱絡的所以AI的企業它對銀行的融資也增加了這個是第二點第三點就誠如剛剛委員所說的這樣 |
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股票就是股票這三個意思最重要是股票啦我再跟你講說AI好了啦外傳銀行去跟台積電借錢你知不知道 |
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272.244 |
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280.889 |
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怎麼借 我講給你聽銀行給台積電的存款利率還高過一天的放款利率這個我有聽過台積電在銀行裡頭存款大概是3兆元現在央行是台積電還是 |
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295.518 |
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委員你現在在講這個的時候我們同事也有我們也有討論到這件事我也覺得是很納悶看你是說因為台積電他的一個bugging power |
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309.266 |
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315.514 |
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在銀行裡面因為你也知道嘛你不要說說台積電在台灣是相當有名它在全球都那麼有名那當然銀行是存款算利差哪有負利差的哪有這種道理嘛因為它的那個北京Power比較大 |
| transcript.whisperx[16].start |
324.725 |
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338.755 |
| transcript.whisperx[16].text |
對啊 你也不能這樣講啊 銀行是要我們欠錢 借錢處理你來欠 我借處理 那我賺錢 然後我存進來我還撩錢的 然後這種道理 這沒道理嘛所以他不能用央行的角色 除非央行有這個角色當然啦 如果說他這個Spray的 他如果輸的做一個善意提醒啦 這個是扭曲的現象嘛 |
| transcript.whisperx[17].start |
347.741 |
| transcript.whisperx[17].end |
364.25 |
| transcript.whisperx[17].text |
一二三都是扭曲的現象世財同盤是扭曲的現象定存賣不出去扭曲的現象跟台積電借錢都是扭曲的現象嘛你站在央行的高度你要去想一想這是到底發生了什麼事情你不能能演旁觀啊沒有 不會啦 不會啦報告委員 不會啦我們不會能演旁觀我懷疑你也是能演旁觀啦 不會啦 |
| transcript.whisperx[18].start |
370.973 |
| transcript.whisperx[18].end |
390.362 |
| transcript.whisperx[18].text |
你知道金管會做出一個錯誤的決定就是把電子支付開放給銀行以致電子支付現在十家當中只有一兩家在賺錢啊真的很可憐可是呢在法律上的電資之力當中呢有第三項可以辦理國外的這個小額匯兌法律開放了喔央行沒有開放有啊 |
| transcript.whisperx[19].start |
391.022 |
| transcript.whisperx[19].end |
395.346 |
| transcript.whisperx[19].text |
有啦有啦你們到現在還在討論我們不是開放他們是說他來叫我們我們審查一下到現在還在討論我跟我們報告不會啦因為這個主管機關是那個金管會中央銀行基本上我們都會都跑到你們中央銀行卡在中央銀行 |
| transcript.whisperx[20].start |
416.425 |
| transcript.whisperx[20].end |
442.312 |
| transcript.whisperx[20].text |
你一定會尊重為什麼卡在中央銀行因為裡頭有起錢房子的需求系統化安全的標準還有外匯申報的一個遵循這個東西業者都不曉得標準在哪裡啊不會啦央行搞了四年都還沒有講出來沒有啦而且你還要開放這個時候你還要小心這個事情我知道啦你知道分流的部分要管理好不能讓他們彼此打彼此 |
| transcript.whisperx[21].start |
443.612 |
| transcript.whisperx[21].end |
471.608 |
| transcript.whisperx[21].text |
這個很關鍵這私底下再來講 是是是大家都要問辛辛安 我也問一下總裁前兩天我上次還問你說這個五年的寬限期可能會讓大家理財過於寬鬆現在六月底要確定之前現在聽起來都五年你剛剛說你也有討論這個過去的總體信用管制跟辛辛安的政策就左右互搏相互矛盾是不是 |
| transcript.whisperx[22].start |
472.867 |
| transcript.whisperx[22].end |
488.321 |
| transcript.whisperx[22].text |
造成這種結果現在新興發案出來又一千萬變成一千五百萬以前就是說你八百變成一千達到變成新的地板價又拉上來變成一個定毛的效應第二個五年又變成期貨怎麼變成期貨拖了五年 |
| transcript.whisperx[23].start |
491.741 |
| transcript.whisperx[23].end |
506.11 |
| transcript.whisperx[23].text |
房地合一歲就變20%再拖了第六年自住就變10%當作在管我跟委員報告現在團村五年你沒有意見嗎你開會的時候有表示嗎五年 事實上我上一次委員有提到這個問題我是說五年稍微有一點長事實上我那個時候是想就是說 |
| transcript.whisperx[24].start |
516.816 |
| transcript.whisperx[24].end |
541.862 |
| transcript.whisperx[24].text |
五年的話就是說先三年給我們的那個貸款人然後呢如果說到第四年他沒辦法的話再給他一年沒辦法的話再給他一年三家一家三家一家但是呢但是呢主管機關認為他認為就是說事實上用到五年的第一個就是說銀行他自己會把關第二個呢他說認為用到五年的 |
| transcript.whisperx[25].start |
542.942 |
| transcript.whisperx[25].end |
566.39 |
| transcript.whisperx[25].text |
那個比重不高 不高那為什麼要開放明明可以當期貨牌 我想部長講一下因為銀行本身他就會嚴格把關了嘛 這是第一個對 銀行直接把關好就講銀行好了 那個部長公股銀行在今年初的時候就提出三大建議喔矛頭就指向於這個利率補貼跟寬限期喔除其中第一點呢寬限期是公股喔 班哪個公股要上來講話 |
| transcript.whisperx[26].start |
567.93 |
| transcript.whisperx[26].end |
586.885 |
| transcript.whisperx[26].text |
台銀 公股沒有來 好 我覺得公股的部分建議 銀行建議縮短為三年的寬限期喔這是第一線執行的 公股欸 那個台銀有沒有來台銀有來 台銀的董事長 林董事長 發揮一下你們是不是有做這個建議你們是第一線台銀的業務執行者啊那部長 部長先回答先回答 不要浪費時間 |
| transcript.whisperx[27].start |
588.8 |
| transcript.whisperx[27].end |
603.037 |
| transcript.whisperx[27].text |
你們有看到這個建議我們都有聽取各方的建議包括空谷航庫不過也要跟委員報告新青安那個五年雖然說寬限期最長五年但是真正適用寬限期到五年只有23%大概是23%過去我們就是談10% |
| transcript.whisperx[28].start |
609.184 |
| transcript.whisperx[28].end |
617.309 |
| transcript.whisperx[28].text |
25%左右就是拿來可能在變形變用的草房的人嘛當初就是這25%那你乾脆斷絕他這25%來公股來講一下你為什麼建議成3年主席讓他講一下啦齁 |
| transcript.whisperx[29].start |
623.012 |
| transcript.whisperx[29].end |
638.847 |
| transcript.whisperx[29].text |
阿委員好 這個新清安的這個到底如何延長還有內容為何呢其實財政部都有邀請我們所有的公股行庫來做一些討論你有沒有三年意見講上去你們建議三 財政部堅持五我就不曉得堅持什麼 |
| transcript.whisperx[30].start |
639.648 |
| transcript.whisperx[30].end |
644.354 |
| transcript.whisperx[30].text |
我們當然就是會就食物的狀況來做一些比較合理性的建議你們食物的狀況都解在這邊了你們不能再重複一次嗎你們能再講一次嗎問題就出現在那23% 25%出現在那四分之一部長你要慎思六月底以前要考慮清楚好 謝謝謝謝郭國文委員 |