| IVOD_ID |
170399 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/170399 |
| 日期 |
2026-07-09 |
| 會議資料.會議代碼 |
委員會-11-5-20-21 |
| 會議資料.會議代碼:str |
第11屆第5會期財政委員會第21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 |
21 |
| 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21次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2026-07-09T09:51:07+08:00 |
| 結束時間 |
2026-07-09T10:05:27+08:00 |
| 影片長度 |
00:14:20 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/819c86070d9120f7f5e1f245f2bf4485c6cfcebe9e655170142d3e502dfb7fe12f230d750febacb15ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
林岱樺 |
| 委員發言時間 |
09:51:07 - 10:05:27 |
| 會議時間 |
2026-07-09T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第5會期財政委員會第21次全體委員會議（事由：邀請中央銀行楊總裁金龍就「股市、通膨、匯率與房市多重風險中，中央銀行中長期因應策略與政策工具」進行專題報告，並備質詢。
【7月8日及9日兩天一次會】） |
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| transcript.whisperx[0].start |
4.653 |
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好有請總裁請總裁總裁我們總體資金啊應該要氣實向虛這個流錯項啊這個本央行呢也不要盲目的打房引導油資來挺製造精簡補貼 |
| transcript.whisperx[1].start |
29.675 |
| transcript.whisperx[1].end |
53.629 |
| transcript.whisperx[1].text |
這個首購族那我們現在資金的轉向呢就從這也都是你們在第二季的禮監事會當中所呈現的數字你股市的信貸有暴增1.87兆不動產放款增加1.3兆製造業放款僅為增1.02兆那到底這樣的比例符合或者是適合我們國家嗎 |
| transcript.whisperx[2].start |
55.35 |
| transcript.whisperx[2].end |
83.489 |
| transcript.whisperx[2].text |
本席認為不妥因為沒有所謂最適的比例但是對於我們本國來講我們有地緣政治啊我們在於這個面對地緣政治的時候我們的國防自主我們的相關的非紅供應業的建立包括我的糧食的自主率等等所以我當然而且第二個很得天獨厚的也不是說得天獨厚是整個長久以來台灣人民這幾年來所累積的一個產業的生態系 |
| transcript.whisperx[3].start |
85.49 |
| transcript.whisperx[3].end |
88.232 |
| transcript.whisperx[3].text |
我們即使是傳統產業任何的傳統產業包括講說扣件業我們就一個很完整的產業鏈你包括我們也因為打造這樣很精實的製造業的一個生態系所以在面對我們的政治區域風險的時候我們對我們國家的一個特殊性來講我們應該在製造業的販款應該要大大的增加 |
| transcript.whisperx[4].start |
113.052 |
| transcript.whisperx[4].end |
115.694 |
| transcript.whisperx[4].text |
所以在我們製造業當中的投入都應該是不動產或股市的三倍以上這都認為本席的建議或者你建立不起我自主的國防 我自主的產業所以這樣子的資金我們是應該做個引導的檢討 |
| transcript.whisperx[5].start |
133.166 |
| transcript.whisperx[5].end |
141.49 |
| transcript.whisperx[5].text |
所以我也期待就是說這個央行啊能夠把油資啊能夠推動產業升級但是現在資金並沒有真的進入到實體產業那在轉型最關鍵的時刻是反而這些基礎的產業資金性斷缺的不是單一產業的問題是國家經濟發展的危機 |
| transcript.whisperx[6].start |
152.475 |
| transcript.whisperx[6].end |
168.885 |
| transcript.whisperx[6].text |
所以我們的無人機產業我們的航太精密工業以及在地的傳統產業的飛鴻供應鏈是不是難在這一波油資當中得到挹注呢所以在這邊本席就是直接的建議那應該跨部會的飲水工程專案艇實業的製作製造央行應該發動 |
| transcript.whisperx[7].start |
173.368 |
| transcript.whisperx[7].end |
194.858 |
| transcript.whisperx[7].text |
定調引導的訊息化消極房賭為積極的引導跨部會的協作會同財政部經濟部對齊國家核心的產業戰略那方法是什麼呢專案的低利融資與提高信用保證陳述如此一來才有可能把房市 |
| transcript.whisperx[8].start |
195.638 |
| transcript.whisperx[8].end |
197.8 |
| transcript.whisperx[8].text |
那總裁你怎麼看呢我覺得那個委員也在跟我上課 |
| transcript.whisperx[9].start |
211.495 |
| transcript.whisperx[9].end |
226.088 |
| transcript.whisperx[9].text |
我覺得委員寫得很好第一個 跨部會協作會同財政部、經濟部對國家產業戰略專案低利融資以提高信用保證層數事實上我跟委員報告 |
| transcript.whisperx[10].start |
227.185 |
| transcript.whisperx[10].end |
244.353 |
| transcript.whisperx[10].text |
我們在開會的時候我們也會我們事實上我們剛剛你提到的就是說我們資金到需要時的這邊比較缺乏事實上在這個部分那個政府現在已經是在做了 |
| transcript.whisperx[11].start |
245.333 |
| transcript.whisperx[11].end |
249.575 |
| transcript.whisperx[11].text |
好但是我們現在的數據在你第二季所呈現你看我這個簡報我的信貸1.87兆不動產1.3兆製造業才1.02兆所以這樣的比例是不對的是是是所以對這個也就是說為什麼那來啦總裁啦既然你也認同我們自己的流向應該導向是不是在您能夠跟跨部會的來做這樣的議題的討論是是是對對對 |
| transcript.whisperx[12].start |
273.766 |
| transcript.whisperx[12].end |
275.488 |
| transcript.whisperx[12].text |
好那再來我講到這個房市降溫這個其實這草房這件事情來講總裁你認為有沒有達到目的 |
| transcript.whisperx[13].start |
284.862 |
| transcript.whisperx[13].end |
307.433 |
| transcript.whisperx[13].text |
我覺得我要跟誇獎我要肯定總裁的是打投機炒房打投機打炒房這個是我覺得這是全民公司即使是不動產所有相關業者大家都認同那這一個到底投機的這個行為有沒有已經抑止了對總裁你們的理監事會怎麼認定呢 |
| transcript.whisperx[14].start |
308.929 |
| transcript.whisperx[14].end |
329.228 |
| transcript.whisperx[14].text |
事實上我們就有三個因素說我們還是要持續觀察我們有三個因素第一個因素就是說我們剛剛就是你在講的就是說他的信用資源本來我們是說要這個信用資源要到實體產業去結果他就到股市去 |
| transcript.whisperx[15].start |
330.069 |
| transcript.whisperx[15].end |
336.333 |
| transcript.whisperx[15].text |
所以就是說它的集中度下降呢以前我們就說讓你的集中度下降但是呢它下降了如果說你認為在我們投機這個投機這個炒作這個房地產的部分已經降溫的話確實有抑制但是我們信用管制是不是應該要有第二階段的調整那我在包括本席的辦公室都已經白紙黑字的收到 |
| transcript.whisperx[16].start |
360.006 |
| transcript.whisperx[16].end |
367.329 |
| transcript.whisperx[16].text |
一些中小殷實的房地產他撐不下去他們在信用的當中是非常非常好的從來沒有什麼信用瑕疵可是因為你這樣的陳述的這樣的限制之下齊頭式的平等的信用管制已經打擊到不只打擊到殷實的確實這個信用貸款非常好的而且也不做炒房的都是在做自用住宅的這些中小型的這個 |
| transcript.whisperx[17].start |
390.878 |
| transcript.whisperx[17].end |
413.831 |
| transcript.whisperx[17].text |
這個房屋這個房地產業者這個房屋業者就是建商業者但是你也同時打擊到實質的換屋者這個也是我實質聽到的我真的需要放房我現在就是二房那我因為有孩子了或者是說孩子想要跟我們結婚了即使要跟家裡一起住我需許放房 |
| transcript.whisperx[18].start |
414.851 |
| transcript.whisperx[18].end |
435.624 |
| transcript.whisperx[18].text |
那政策應該是從戶數管理轉向風險與信用的管理拒絕一刀切所以房市降溫已經確定指標了這個是本席給你肯定的退按量的銳減受信水位的下降包括量縮價穩從市場過去的瘋狂搶購到現在轉入去跨庫存的階段所以呢而且全台的房價確實也鬆動進入到這個修正的格局 |
| transcript.whisperx[19].start |
444.329 |
| transcript.whisperx[19].end |
466.728 |
| transcript.whisperx[19].text |
所以在這修正格局當中我們還是回歸政策我們是要讓人民住得起買得起這是兩個層次住者有其物我可以是租給他住者有其物我可以讓他買得起也是住者有其物好那到底什麼叫做讓就台灣來講我們到底什麼叫做住者有其物他的負擔標準是什麼好那 |
| transcript.whisperx[20].start |
467.469 |
| transcript.whisperx[20].end |
468.069 |
| transcript.whisperx[20].text |
本席也有爬書啦 |
| transcript.whisperx[21].start |
497.349 |
| transcript.whisperx[21].end |
499.73 |
| transcript.whisperx[21].text |
那開發中國家呢是你的這個三到六倍那對於房貸的負擔率每個月的這個房貸佔月收入的是三分之一以下好台灣全國平均我不敢講因為誰落差待到我就把他空格但是我們的房貸負擔率確實是佔了四成二這是平均喔 |
| transcript.whisperx[22].start |
519.46 |
| transcript.whisperx[22].end |
541.09 |
| transcript.whisperx[22].text |
但是如果放眼整個區域來講現在內政部不動產資訊平台所提供的台北市是不吃不喝26到34年也就是你的年收入平均年收入靠掉了你的淨所得的26倍到34倍是全台購屋嚴重最重的甚至是世界排名第一數一數二的 |
| transcript.whisperx[23].start |
542.45 |
| transcript.whisperx[23].end |
549.795 |
| transcript.whisperx[23].text |
那新北市跟台中也是要落到不吃不喝11到11倍這個我本席都認為這樣的官方數據我都還很存疑那台北市的房貸的這個負擔率呢台北市都達到換6成5耶 天啊所以這樣的負擔量到底配合你央行你的信貸的緊縮你是要達到什麼程度才讓我人民買得起 |
| transcript.whisperx[24].start |
569.386 |
| transcript.whisperx[24].end |
574.269 |
| transcript.whisperx[24].text |
租得起 如果租得起這是新青安市財政部的那我就不跟你檢討但是如果是買得起這件事情你這樣的緩降那投機也易住了那對於我的政策目標讓人民買得起你要達到什麼程度 |
| transcript.whisperx[25].start |
586.636 |
| transcript.whisperx[25].end |
606.83 |
| transcript.whisperx[25].text |
你要達到已開發國家的年所得的不吃不喝1.8年到5.5年嗎就才是喔 而且讓我每個人民他的月收入 房貸佔月收入到三成以下你是要打房打到 不要說打房是你的房價希望趨向降到這個程度嗎是這樣嗎 |
| transcript.whisperx[26].start |
611.694 |
| transcript.whisperx[26].end |
625.889 |
| transcript.whisperx[26].text |
我不知道總裁你要不要回應一下委員的這個PowerPoint我們帶回去所以我覺得是要一個目標你的信貸你要達到什麼目的你要告訴我們人民你的意見都值得參考我們帶回去 |
| transcript.whisperx[27].start |
631.255 |
| transcript.whisperx[27].end |
639.238 |
| transcript.whisperx[27].text |
那所以本席在這邊就直接的調這具在你的信用管制之下的大原則我認為應該要進度調整了你不要一刀切切到換屋族切到真的首購族所以差異化的這個管理換款換屋的切結期包括優良建商的分級這一點很重要優良建商不是大建商喔只要是 |
| transcript.whisperx[28].start |
657.586 |
| transcript.whisperx[28].end |
669.072 |
| transcript.whisperx[28].text |
因此他信貸沒瑕疵他過往的紀錄也沒有投資你也應該是優良建商的分級不過我很簡單的回答包括檢討高價住宅的門檻以現在我高雄就好過往可能一坪12萬10萬就可以現在沒有一坪18萬到23萬甚至25萬是不可能造價 |
| transcript.whisperx[29].start |
683.8 |
| transcript.whisperx[29].end |
689.681 |
| transcript.whisperx[29].text |
所以你這邊的高價房屋公司我要放屋的時候兩房變三房的時候一下就突破4000萬我跟委員報告啦很簡單的回應你剛剛就是說對我們對鎖過的要限制他我們對換屋的我們限制他事實上呢我們對鎖過的我們也沒有限制他我們對換屋主我們就是說你18個月之內 |
| transcript.whisperx[30].start |
710.065 |
| transcript.whisperx[30].end |
713.066 |
| transcript.whisperx[30].text |
我認為這個政策應該稍微再放寬我直接具體建議總裁你待會去研究適度提高換屋族的貸款乘數為7到7乘5因為已經沒有投機這件行為了你的預售屋這個已經沒有這個紅單已經不轉了那放屋的竊竊期延長歇買 |
| transcript.whisperx[31].start |
731.511 |
| transcript.whisperx[31].end |
739.417 |
| transcript.whisperx[31].text |
然後賣的這個舊屋出售的切結期因為你希望人家一年內賣掉你的舊屋如果市場上有那麼熱沒問題問題現在市場上沒有那麼熱所以當我要換屋的時候 |
| transcript.whisperx[32].start |
746.006 |
| transcript.whisperx[32].end |
752.308 |
| transcript.whisperx[32].text |
一年半啊 但是現在的一年半不太可能你一年半當中大部分的都是在一年之內他就可以換屋那這個我覺得你跟我的語情總裁我現在講的是民意我個人沒有要換屋我個人也絕對不自產所以我現在講的是我高雄居民在換屋當中尤其首購當中這兩個出去給我的澄清然後再來 |
| transcript.whisperx[33].start |
775.115 |
| transcript.whisperx[33].end |
790.008 |
| transcript.whisperx[33].text |
優良建商這是我白紙黑紙我會把人民給我的陳情直接轉函給你對於優良建商的認定你應該要放寬土建農的融資中小企業我現在是不是為大建商講話為我真的中小企業財務健全從來不炒房的紀錄的來跟你陳情檢討高房價這也是限制到我換屋主 |
| transcript.whisperx[34].start |
797.954 |
| transcript.whisperx[34].end |
814.124 |
| transcript.whisperx[34].text |
隨便一換我都會碰到四千萬的朋友為什麼豪宅在台北市交七千萬在高雄我就一定是設定四千萬這個豪宅的定義有問題這四千萬在高雄已經不算豪宅了你在我的選區 仁武區就一般的小資族 |
| transcript.whisperx[35].start |
814.964 |
| transcript.whisperx[35].end |
834.656 |
| transcript.whisperx[35].text |
那個都是幾乎你沒有準備的2500到3000你幾乎買不起耶所以包括換屋換大的包括三人房這個東西好再來謝謝主席那這個部分總裁你稍微回應一下吧你認為你要研究要怎麼的時程是怎麼回應 |
| transcript.whisperx[36].start |
836.797 |
| transcript.whisperx[36].end |
857.393 |
| transcript.whisperx[36].text |
我們會把你的這個拿回去study啦你下一次的禮監事會是什麼時候我們是九月九月的時候可以針對本席的這些意見能夠有一個具體的回應嗎好嗎好 我們結束林黛樺委員的質詢不過總裁可以就剛才一些質詢的內容到各縣市去看看各縣市差異其實是有的好 謝謝我們接下來請劉書斌委員 |