| IVOD_ID |
170401 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/170401 |
| 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 |
2026-07-09T10:05:32+08:00 |
| 結束時間 |
2026-07-09T10:17:36+08:00 |
| 影片長度 |
00:12:04 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/819c86070d9120f77c92c9f90942c908c6cfcebe9e655170142d3e502dfb7fe120b7ea364581afcb5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
劉書彬 |
| 委員發言時間 |
10:05:32 - 10:17:36 |
| 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 |
11.719 |
| transcript.whisperx[0].end |
13.703 |
| transcript.whisperx[0].text |
好 謝謝主席 那有請彭總裁 |
| transcript.whisperx[1].start |
24.094 |
| transcript.whisperx[1].end |
32.401 |
| transcript.whisperx[1].text |
總裁早 央行自從推出第七波的信用管制以來確實抑制了投機的熱錢進入房市2026年的數據整體看來房市是呈現量縮價格盤整的格局我們看到的是上個月總裁表示說短期內不會再加碼 第八波 |
| transcript.whisperx[2].start |
44.853 |
| transcript.whisperx[2].end |
52.961 |
| transcript.whisperx[2].text |
但是並表示這個任務已經完成了那我們這幾年看到的房市政策呢市場的解讀依然是說財政部呢是在踩油門啊央行是在踩煞車啦好那我們又看到的是可是這個上次第七波呢對於一些 |
| transcript.whisperx[3].start |
60.128 |
| transcript.whisperx[3].end |
73.217 |
| transcript.whisperx[3].text |
由小換大的自住換屋主其實造成了有些傷害那我們繼續再往下看的時候看到說央行因應這個民怨在三月份的時候稍微有做了一些的修訂就是把第二戶的貸款上限從五成稍微調到六成 |
| transcript.whisperx[4].start |
78.14 |
| transcript.whisperx[4].end |
101.56 |
| transcript.whisperx[4].text |
但是面對的這個不同的購屋族的這種需求的話呢央行總裁 央行你們的態度都是說要滾動式的修正那本席就想要問的是說呢這個滾動式的檢討來回應政策利率的詢問時呢到底什麼是影響中央銀行在滾動式檢討政策利率的因素好 那七月的時候看到什麼樣的房市的問題呢 |
| transcript.whisperx[5].start |
104.163 |
| transcript.whisperx[5].end |
127.555 |
| transcript.whisperx[5].text |
你在講這個政策利率基本上我們的政策利率就是說是針對通膨但是會影響到銀行在訂定他們的貸款的他的貸款的利率是由他自己來決定的所以呢也就是說我們訂定政策利率但是呢 |
| transcript.whisperx[6].start |
129.493 |
| transcript.whisperx[6].end |
150.423 |
| transcript.whisperx[6].text |
政策利率會影響到他們的存款利率他們的存款利率就會影響到他要加碼多少作為他的放款的利率所以呢也就是說放款利率他要加碼多少是由他來決定的但是因為你政策利率但我現在的意思在於說一般是認為說你們是在踩煞車 |
| transcript.whisperx[7].start |
152.625 |
| transcript.whisperx[7].end |
168.024 |
| transcript.whisperx[7].text |
基本上到目前為止的話呢我們如果說選擇性信用管制到目前為止的話呢我們就說是第七波第七波到這裡的時候呢我們應該可以算是說他還是踩煞車啦 |
| transcript.whisperx[8].start |
168.925 |
| transcript.whisperx[8].end |
180.04 |
| transcript.whisperx[8].text |
他還是踩煞車所以也就在這裡至於到這裡的以後要怎麼樣我們的滾動式的修正的因素在影響項目是什麼我們的滾動式的檢討就是說我們到這裡的時候好下一步我們要怎麼走 |
| transcript.whisperx[9].start |
186.909 |
| transcript.whisperx[9].end |
191.991 |
| transcript.whisperx[9].text |
對 但是我說你影響你會做這樣去轉彎的原因或是改變的原因的項目是什麼這是本席要問的那現在就所以呢也就是說我們有提了三個意見嘛三個意見我們第一個意見就是說當時我們就說你那個集中度你對房地產的那個放款的集中度呢 |
| transcript.whisperx[10].start |
213.935 |
| transcript.whisperx[10].end |
236.512 |
| transcript.whisperx[10].text |
在很高的時候是36.71那我們覺得36.71太高了一直高上去從35左右34點幾一直上升到36.71很高所以現在目前它是已經因為我們選擇性信用管制下去了以後它就慢慢的下來下來到哪裡下來到35.2左右 |
| transcript.whisperx[11].start |
239.554 |
| transcript.whisperx[11].end |
246.159 |
| transcript.whisperx[11].text |
35.2的話我們就說有改善但是我們認為就是說它的改善是它的資金房市還是有增加但是它有一部分的資金不是到產業去它是到股市去我們認為到股市去跟我們原先要規劃就是說你要到產業去 |
| transcript.whisperx[12].start |
269.375 |
| transcript.whisperx[12].end |
291.802 |
| transcript.whisperx[12].text |
所以我們就說這一點我們要繼續觀察第二個我們從2020年我們台灣的房價就一直在上升一直上升 上升到目前為止我們的房價它的成長它的成長率是世界裡面是最高的我們在報告裡面都有講 |
| transcript.whisperx[13].start |
293.122 |
| transcript.whisperx[13].end |
311.409 |
| transcript.whisperx[13].text |
它很高啊 而且我們的房屋的負擔率也是最高的所以是房價成長率是高的那第三個呢第三個就是說其他的政府的政策如果說推出來了以後呢那會不會影響到房地產我們必須要觀察 |
| transcript.whisperx[14].start |
312.708 |
| transcript.whisperx[14].end |
330.504 |
| transcript.whisperx[14].text |
好所以就是新清安了嘛對不對CIPO可能就是新清安了對不對他也是包括啦對那我想請問說那財政部月底要公布了新清安的這個方案央行對於房貸放款的態度就是因為你們大概內部應該都有討論過有有有討論過基本上我們會尊重財政部跟內政部的一個意見 |
| transcript.whisperx[15].start |
330.984 |
| transcript.whisperx[15].end |
331.925 |
| transcript.whisperx[15].text |
我們也有提供意見給財政部意見的方向 |
| transcript.whisperx[16].start |
353.286 |
| transcript.whisperx[16].end |
358.831 |
| transcript.whisperx[16].text |
我們比方說寬限旗寬限旗我們就說寬限旗有一點長但是後來他們解釋他們認為寬限旗用到那麼長的不高這是第一個 |
| transcript.whisperx[17].start |
368.699 |
| transcript.whisperx[17].end |
387.292 |
| transcript.whisperx[17].text |
五年寬限期就是這麼大部位對五年就是說應用到這個寬限期五年的他在所有的在所有的那個那個那個申請清清安的那個的貸款的人不高他就說只有大概20%而已第二個呢他認為銀行可以做很嚴格的一個控管我也覺得就是說他們這樣子解釋我總覺得他們講的也有道理啊 |
| transcript.whisperx[18].start |
396.113 |
| transcript.whisperx[18].end |
419.68 |
| transcript.whisperx[18].text |
那40年的還款代款期應該怎麼樣40年因為現在如果說救一些所得低的人40年給他我也覺得也是應該可以啦但是也不是說40年你訂40年他銀行就一定都要給他40年 |
| transcript.whisperx[19].start |
420.714 |
| transcript.whisperx[19].end |
432.803 |
| transcript.whisperx[19].text |
他也要看他的那個什麼所得情況啊他的信用狀況啊那他要求40年的時候他也不一定會給他40年他也許也給他只有30年好 那時間所限喔這個是銀行他也必須要去把關的好 你就是說因為銀行會在把關的這部分那就是說你已經把你的意見有跟了對 所以你就說40年他40年好像就很長但是呢銀行也不見得會給他40年啦 |
| transcript.whisperx[20].start |
447.608 |
| transcript.whisperx[20].end |
468.713 |
| transcript.whisperx[20].text |
好 那還有其他的您特別關注的我覺得我們大概就是這幾個意見那我們繼續再往下看不好意思怎麼轉到繼續往下去看另外在幾個月之前我們有去看到央行所謂的財經公司那這個部分看到的QW |
| transcript.whisperx[21].start |
470.513 |
| transcript.whisperx[21].end |
493.958 |
| transcript.whisperx[21].text |
TWQR的這個成功整合40家的這個行動的支付那大家在買東西付帳的時候就透過這個國家級的QR Code就可以再過跨平台的跨銀行的這個支付很順的部分但是呢我們看到的是這個當然我本席就是予以肯定啦但是有個問題是說呢當地方的政府福利全面轉向數位發行最需要 |
| transcript.whisperx[22].start |
495.058 |
| transcript.whisperx[22].end |
519.246 |
| transcript.whisperx[22].text |
照顧的這個長照或是長照或者是社會救助的高齡長者或是弱勢族群往往面臨著嚴重的數位落差的時候請問總裁在是不是要同意找財經公司在配合辦理這項業務的時候如何去確保這些弱勢的民眾的權益不會被排擠而漏接啊我請那個業務局局長來回答你這個問題好嗎好 |
| transcript.whisperx[23].start |
522.7 |
| transcript.whisperx[23].end |
546.941 |
| transcript.whisperx[23].text |
據我們了解是因為現在那個用戶在用TWQ付款碼的時候因為這個手機有截圖還有給人家翻拍這樣的情況所以造成截圖之後被不肖者翻拍之後拿去做詐騙的一個付款那你們怎麼因應呢現在財經公司已經跟參加機構講好要辦理的事項第一項就是取消這個付款碼截圖的功能不能截圖了 |
| transcript.whisperx[24].start |
547.878 |
| transcript.whisperx[24].end |
554.904 |
| transcript.whisperx[24].text |
第二個就是說QR Code這個付款碼如果顯示出來要給商店去付款收款的時候上面會有跑馬燈就預防詐騙那如果被翻拍之後不肖司徒拿到的那個就沒有跑馬燈那銀行就要跟商店講沒有跑馬燈的你不可以收款那這個已經請參加機構再辦理了所以財經公司有配合這個政府的一個預防詐騙的一個做法已經在做了好 |
| transcript.whisperx[25].start |
576.282 |
| transcript.whisperx[25].end |
589.866 |
| transcript.whisperx[25].text |
謝謝 那另外一個問題就是說呢因為財經公司他單日上午的相關平台的交易金額都超過六千億嘛我們那天也大概有看到那未來承接更多公共福利跟民眾個資之後央行跟金管會對於財經公司的這個資安審查是否有更高規格的監督機制來確保數位安全的這個轉型 |
| transcript.whisperx[26].start |
595.509 |
| transcript.whisperx[26].end |
615.486 |
| transcript.whisperx[26].text |
目前那個財經在做資安的安全是符合國際標準的去在做的那相關的一個資訊的檢查金管會都會定期去做檢查那這部分如果說他有一些資安的問題也會通報央行那我們也不去了解那目前來看他都是符合國際標準的所以這個案子主要是因為消費者 |
| transcript.whisperx[27].start |
616.647 |
| transcript.whisperx[27].end |
623.75 |
| transcript.whisperx[27].text |
其實QR Code本身是沒有問題的啦是因為消費者的這種被人家截圖被人家翻拍這種功能所以現在就是把這種手機的截圖跟翻拍功能給它這個強化以上說明那本席其實還簡單的再問一下一個問題因為大學生都封了股市借貸的拼當沖啦這次看到說如何健全青年的信用體系跟財商教育這部分就是因為教育 |
| transcript.whisperx[28].start |
645.547 |
| transcript.whisperx[28].end |
651.649 |
| transcript.whisperx[28].text |
總裁你本身過去在念的是大學是念財經的部分嘛那想說怎麼樣財商的觀念跟風險意識能不能給年輕人一些的建議簡單說一下我想是這樣啦就投資人來講像我來講的話我們要穩健不要過度槓桿 |
| transcript.whisperx[29].start |
667.57 |
| transcript.whisperx[29].end |
693.487 |
| transcript.whisperx[29].text |
基本上也許我是比較傳統我有多少錢我才會投資多少現在是因為信用的問題有一些年輕人喜歡用槓桿因為這一波他喜歡用槓桿槓桿的時候上去的話他的獲利會加大是沒有錯但是如果說在某一天因為這某一天我們不曉得如果他還轉下來的時候他可能會受傷 |
| transcript.whisperx[30].start |
697.51 |
| transcript.whisperx[30].end |
717.472 |
| transcript.whisperx[30].text |
所以投資人要自己要有那個風險的意識要有風險的意識那事實上呢在金融的這個資本市場的一個教育裡面啊我覺得那個什麼金管會他做得很好啊他都也有做一些的那個教育所以基本上就只有這樣子好就這樣謝謝央行總裁給了我們年輕人這樣子非常寶貴的經驗好謝謝主席謝謝我們接下來請 |