{"id":152833,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/152833","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/ec526bb9f1bdce9d708573f22db19f3888b406ffa24a3d763b43bbf2d64d2017d5025eb6a0fa74945ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"黃國昌","委員發言時間":"12:09:06 - 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{\"start\": 261.89, \"end\": 281.743, \"text\": \"當然居住這裡這是好但問題是雖然央行在2020年就已經發出警訊了但事實上情況好像沒有變好越來越嚴重到2024年1月的時候其實有關於不動產的放款已經到銀行整個融資的爬升到37.44%了也就是情況比2020年的時候還要惡化\", \"words\": [{\"word\": \"當\"}, {\"word\": \"然\", \"start\": 261.89, \"end\": 262.411, \"score\": 0.998}, {\"word\": \"居\", \"start\": 262.411, \"end\": 262.551, \"score\": 0.861}, {\"word\": \"住\", \"start\": 262.551, \"end\": 263.091, \"score\": 0.875}, {\"word\": \"這\"}, {\"word\": \"裡\"}, {\"word\": \"這\"}, {\"word\": \"是\", \"start\": 263.091, \"end\": 263.431, \"score\": 0.949}, {\"word\": \"好\", \"start\": 263.431, \"end\": 264.252, \"score\": 0.975}, {\"word\": \"但\", \"start\": 264.252, \"end\": 264.952, \"score\": 0.953}, {\"word\": \"問\"}, {\"word\": \"題\"}, {\"word\": \"是\", \"start\": 264.952, \"end\": 265.593, \"score\": 0.958}, {\"word\": \"雖\"}, {\"word\": \"然\", \"start\": 265.593, \"end\": 265.713, \"score\": 0.834}, {\"word\": \"央\", \"start\": 265.713, \"end\": 265.933, \"score\": 0.975}, {\"word\": \"行\", 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\"start\": 537.777, \"end\": 538.417, \"score\": 0.969}, {\"word\": \"更\", \"start\": 538.417, \"end\": 538.577, \"score\": 1.0}, {\"word\": \"深\", \"start\": 538.577, \"end\": 538.757, \"score\": 0.889}, {\"word\": \"一\", \"start\": 538.757, \"end\": 538.897, \"score\": 0.869}, {\"word\": \"步\", \"start\": 538.897, \"end\": 539.077, \"score\": 0.889}, {\"word\": \"了\", \"start\": 539.077, \"end\": 539.737, \"score\": 0.97}, {\"word\": \"好\", \"start\": 539.737, \"end\": 539.857, \"score\": 0.845}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"王\", \"start\": 539.857, \"end\": 539.997, \"score\": 0.856}, {\"word\": \"委\", \"start\": 539.997, \"end\": 540.137, \"score\": 0.856}, {\"word\": \"員\"}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"總\"}, {\"word\": \"經\"}, {\"word\": \"理\", \"start\": 540.137, \"end\": 540.157, \"score\": 0.0}, {\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"下\", \"start\": 548.379, \"end\": 548.58, \"score\": 0.86}, {\"word\": \"一\", \"start\": 548.58, \"end\": 548.62, \"score\": 0.496}, {\"word\": \"位\", \"start\": 548.62, \"end\": 548.901, \"score\": 0.924}, {\"word\": \"質\"}, {\"word\": \"詢\"}, {\"word\": \"請\"}, {\"word\": \"葛\", \"start\": 548.901, \"end\": 549.021, \"score\": 0.833}, {\"word\": \"如\", \"start\": 549.021, \"end\": 549.182, \"score\": 0.873}, {\"word\": \"君\", \"start\": 549.182, \"end\": 549.202, \"score\": 0.003}], \"language\": \"zh\"}","srt":"1\n00:00:03,439 --> 00:00:07,362\n謝謝主席那有請彭主委您彭主委主委好首先恭喜您榮任金管會的主委拉希德總統在5209指引說的時候有提到針對於物價、房價、貧富差距的問題要不斷的改善\n\n2\n00:00:29,910 --> 00:00:46,243\n如果我們談改善的話就必須要誠實面對我們現在的狀況我相信不管是透過國泰房地產指數還是信譽房價指數我上面寫的baseline是從2016年開始\n\n3\n00:00:47,461 --> 00:01:16,090\n一直到2024年的Q1可以很清楚地看得出來那個攀升的幅度是非常驚人的當然我們在看房價指數的時候不能只看房價指數所以我們如果把房價指數跟薪資的成長率以及我們GDP的成長率一起放進來看的話除了可以很清楚地看到薪資的成長率如果我們以2016年當作baseline的話\n\n4\n00:01:17,391 --> 00:01:29,121\n在2023年是漲了15%我們的GDP漲了34%再往上我們的房價指數漲了大概51%\n\n5\n00:01:32,043 --> 00:01:57,441\n因此年輕的世代他們所在面臨的他們的薪資永遠沒有辦法追上房價升高的速度這個是一個客觀存在的事實那不是只是一個主觀的感受當然當我們在討論房價所值比的時候通常政府有兩個政策工具一個是稅制稅制的部分可能跟財政部會比較有關係但是另外一個\n\n6\n00:01:58,382 --> 00:02:20,365\n就是金融政策也就是說金管會在有關於規範我們的金融機構在放款的時候他是一個非常重要的政策調控工具那面對這樣子的狀況主委在善用金管會所擁有的政策工具的時候你有沒有什麼樣的想法\n\n7\n00:02:24,071 --> 00:02:29,698\n這點可不可以容許我請銀行局來幫我回答這問題,可以嗎?可是你是主委喔?對\n\n8\n00:02:32,219 --> 00:02:58,044\n當然就是這部分就我所知就是銀行我們在針對這個不通財的放款有一定的比率的限制有一些政策性上面的鼓勵這個都是有助於在比如說幫助年輕人在做放款的時候有些政策我想這部分我們能夠幫助到年輕人我們會持續來推動那至於說還有就是有關不要過度集中於在某個地方我想這個相關的規定也有一些規範\n\n9\n00:02:59,324 --> 00:03:24,854\n那我不好意思時間的關係我必須要插一下我的理解是主委您是保險的專家嘛不敢對那可能在銀行端的部分未來也在您主委的範圍之內那因為您剛上任啊主委我相信有必要要給您一定的時間去全盤的思考跟規劃怎麼樣達成新政府內閣\n\n10\n00:03:26,315 --> 00:03:43,909\n所在總統就職演說的時候講得很清楚房價的問題必須要改善那我以下就代主委看一下過去發生的狀況在2020年的時候央行已經警告我們不動產貸款\n\n11\n00:03:46,011 --> 00:04:10,241\n在整個金融機構放款的比例35.8%在2020年的時候事實上已經太高了因為如果過多的銀行貸款的融資是跑到有關於不動產建築業的貸款的話那事實上它有可能會推升整個房價不斷的上升因為我們希望\n\n12\n00:04:11,401 --> 00:04:20,868\n銀行的資金是拿來促進實體經濟而不是拿來炒房的我相信這樣子的一個政策目標主委您應該是認同的吧\n\n13\n00:04:21,890 --> 00:04:41,743\n當然居住這裡這是好但問題是雖然央行在2020年就已經發出警訊了但事實上情況好像沒有變好越來越嚴重到2024年1月的時候其實有關於不動產的放款已經到銀行整個融資的爬升到37.44%了也就是情況比2020年的時候還要惡化\n\n14\n00:04:48,907 --> 00:05:07,033\n這個會牽涉到說具體的數字我相信銀行局的同仁或金管會的同仁可以幫你整理得很好你實際上面來看一看我們如果只focus在銀行建築業的貸款的話你會發現從2016年的一兆6161億到2018年的一兆7825億平均每個月增加62億\n\n15\n00:05:14,935 --> 00:05:39,309\n但是從2018年8月以後到去年年底的時候平均每月增加已經到了233億那個攀升的速度相當相當的驚人那如果我們再進一步擴大的看不是只有銀行建築的貸款而是到整個銀行房地產的放款餘額的話那個數字更是驚人\n\n16\n00:05:40,450 --> 00:06:00,938\n更是驚人增加了從2018年到去年年底的時候增加了4.5866億也就是說非常多銀行的融資跑到了不動產市場當中那推高了整個房價也正是因為這個樣子事實上在銀行法72條之2\n\n17\n00:06:02,719 --> 00:06:22,632\n我們規範三月銀行辦理住宅以及企業放款的總額不可以超過他所收存款以及金融債券發行額的百分之三十我相信這個主委你很清楚但是過去的金管會他事實上在這個百分之三十的限額他又開了一個新的後門\n\n18\n00:06:23,593 --> 00:06:51,825\n又開了一個新的後門剛剛我在做比較的時候為什麼以2018年來當作一個切分的時間點是有他的道理在的那針對這樣子的一個政策針對這樣子的一個政策監管會做了這樣子的事情所產生實際的效果剛剛主委應該可以看得出來他的效果是很劇烈的所以上次這個我都跳過去了我因為時間到了我只講最後一件事\n\n19\n00:06:53,186 --> 00:07:20,094\n因此上次我在跟央行總裁也是在財政委員會進行質詢的時候我有提醒央行總裁這樣子的事情他也認同說當房價不斷飆升的時候不動產放款的比例現在我不是講絕對值喔連比例本身都在不斷的攀升的時候在這樣的情況之下我們的金管會還幫不動產的放款開了後門開了後門去\n\n20\n00:07:23,593 --> 00:07:42,496\n回避掉銀行法72條之二的規定那這件事情本身這件事情本身恐怕有需要再思考的必要那因此我那時候建議央行的總裁這件事情可能在配合他們整體性的\n\n21\n00:07:43,497 --> 00:07:56,351\n貨幣的政策到你們金管會在規範有關於不動產放款的融資銀行商業大款的融資的規範上面可能要找金管會談一談您上任了以後跟總裁見過面了嗎?\n\n22\n00:07:59,245 --> 00:08:14,499\n在應該在之前見過上任還沒有上任以後還沒有嘛那我希望說齁主任能夠關注這個問題沒有問題您剛上任的時候該給您的時間跟空間我相信每一位關心不同議題的委員都會願意\n\n23\n00:08:16,821 --> 00:08:35,451\n給您這樣的事件但是這件事情是以現在進行式非常快速而且惡化的在發生我要拜託主委一定要特別關注這樣的事情因為金管會手上其實對於抑制房價不斷的攀升是有不錯\n\n24\n00:08:36,311 --> 00:09:00,157\n的政策工具那希望您就任金管部主委以後能夠在這些政策的調整上協助我們的新政府實現居住正義的價值謝謝這樣可以嗎可以可以這樣這個非常非常謝謝好我希望下次在跟您見面的時候我們今天的主題的討論就會再更深一步了好謝謝謝謝王委員謝謝總經理謝謝\n\n25\n00:09:08,379 --> 00:09:09,202\n下一位質詢請葛如君\n\n","tsv":"start\tend\ttext\n3439\t7362\t謝謝主席 那有請彭主委您彭主委主委好首先恭喜您榮任金管會的主委拉希德總統在5209指引說的時候有提到針對於物價、房價、貧富差距的問題要不斷的改善\n29910\t46243\t如果我們談改善的話就必須要誠實面對我們現在的狀況我相信不管是透過國泰房地產指數還是信譽房價指數我上面寫的base line是從2016年開始\n47461\t76090\t一直到2024年的Q1可以很清楚地看得出來那個攀升的幅度是非常驚人的當然我們在看房價指數的時候不能只看房價指數所以我們如果把房價指數跟薪資的成長率以及我們GDP的成長率一起放進來看的話除了可以很清楚地看到薪資的成長率如果我們以2016年當作base line的話\n77391\t89121\t在2023年是漲了15%我們的GDP漲了34%再往上我們的房價指數漲了大概51%\n92043\t117441\t因此年輕的世代他們所在面臨的他們的薪資永遠沒有辦法追上房價升高的速度這個是一個客觀存在的事實那不是只是一個主觀的感受當然當我們在討論房價所值比的時候通常政府有兩個政策工具一個是稅制稅制的部分可能跟財政部會比較有關係但是另外一個\n118382\t140365\t就是金融政策也就是說金管會在有關於規範我們的金融機構在放款的時候他是一個非常重要的政策調控工具那面對這樣子的狀況主委在善用金管會所擁有的政策工具的時候你有沒有什麼樣的想法\n144071\t149698\t這點可不可以容許我請銀行局來幫我回答這問題,可以嗎?可是你是主委喔?對\n152219\t178044\t當然就是這部分就我所知就是銀行我們在針對這個不通財的放款有一定的比率的限制有一些政策性上面的鼓勵這個都是有助於在比如說幫助年輕人在做放款的時候有些政策我想這部分我們能夠幫助到年輕人我們會持續來推動那至於說還有就是有關不要過度集中於在某個地方我想這個相關的規定也有一些規範\n179324\t204854\t那我不好意思時間的關係我必須要插一下我的理解是主委您是保險的專家嘛不敢對那可能在銀行端的部分未來也在您主委的範圍之內那因為您剛上任啊主委我相信有必要要給您一定的時間去全盤的思考跟規劃怎麼樣達成新政府內閣\n206315\t223909\t所在總統就職演說的時候講得很清楚房價的問題必須要改善那我以下就代主委看一下過去發生的狀況在2020年的時候央行已經警告我們不動產貸款\n226011\t250241\t在整個金融機構放款的比例35.8%在2020年的時候事實上已經太高了因為如果過多的銀行貸款的融資是跑到有關於不動產建築業的貸款的話那事實上它有可能會推升整個房價不斷的上升因為我們希望\n251401\t260868\t銀行的資金是拿來促進實體經濟而不是拿來炒房的我相信這樣子的一個政策目標主委您應該是認同的吧\n261890\t281743\t當然居住這裡這是好但問題是雖然央行在2020年就已經發出警訊了但事實上情況好像沒有變好越來越嚴重到2024年1月的時候其實有關於不動產的放款已經到銀行整個融資的爬升到37.44%了也就是情況比2020年的時候還要惡化\n288907\t307033\t這個會牽涉到說具體的數字我相信銀行局的同仁或金管會的同仁可以幫你整理得很好你實際上面來看一看我們如果只focus在銀行建築業的貸款的話你會發現從2016年的一兆6161億到2018年的一兆7825億平均每個月增加62億\n314935\t339309\t但是從2018年8月以後到去年年底的時候平均每月增加已經到了233億那個攀升的速度相當相當的驚人那如果我們再進一步擴大的看不是只有銀行建築的貸款而是到整個銀行房地產的放款餘額的話那個數字更是驚人\n340450\t360938\t更是驚人增加了從2018年到去年年底的時候增加了4.5866億也就是說非常多銀行的融資跑到了不動產市場當中那推高了整個房價也正是因為這個樣子事實上在銀行法72條之2\n362719\t382632\t我們規範三月銀行辦理住宅以及企業放款的總額不可以超過他所收存款以及金融債券發行額的百分之三十我相信這個主委你很清楚但是過去的金管會他事實上在這個百分之三十的限額他又開了一個新的後門\n383593\t411825\t又開了一個新的後門剛剛我在做比較的時候為什麼以2018年來當作一個切分的時間點是有他的道理在的那針對這樣子的一個政策針對這樣子的一個政策監管會做了這樣子的事情所產生實際的效果剛剛主委應該可以看得出來他的效果是很劇烈的所以上次這個我都跳過去了我因為時間到了我只講最後一件事\n413186\t440094\t因此上次我在跟央行總裁也是在財政委員會進行質詢的時候我有提醒央行總裁這樣子的事情他也認同說當房價不斷飆升的時候不動產放款的比例現在我不是講絕對值喔連比例本身都在不斷的攀升的時候在這樣的情況之下我們的金管會還幫不動產的放款開了後門開了後門去\n443593\t462496\t回避掉銀行法72條之二的規定那這件事情本身這件事情本身恐怕有需要再思考的必要那因此我那時候建議央行的總裁這件事情可能在配合他們整體性的\n463497\t476351\t貨幣的政策到你們金管會在規範有關於不動產放款的融資銀行商業大款的融資的規範上面可能要找金管會談一談您上任了以後跟總裁見過面了嗎?\n479245\t494499\t在應該在之前見過上任還沒有上任以後還沒有嘛那我希望說齁主任能夠關注這個問題沒有問題您剛上任的時候該給您的時間跟空間我相信每一位關心不同議題的委員都會願意\n496821\t515451\t給您這樣的事件但是這件事情是以現在進行式非常快速而且惡化的在發生我要拜託主委一定要特別關注這樣的事情因為金管會手上其實對於抑制房價不斷的攀升是有不錯\n516311\t540157\t的政策工具那希望您就任金管部主委以後能夠在這些政策的調整上協助我們的新政府實現居住正義的價值謝謝這樣可以嗎可以可以這樣這個非常非常謝謝好我希望下次在跟您見面的時候我們今天的主題的討論就會再更深一步了好謝謝謝謝王委員謝謝總經理謝謝\n548379\t549202\t下一位質詢請葛如君\n","txt":"謝謝主席 那有請彭主委您彭主委主委好首先恭喜您榮任金管會的主委拉希德總統在5209指引說的時候有提到針對於物價、房價、貧富差距的問題要不斷的改善\n如果我們談改善的話就必須要誠實面對我們現在的狀況我相信不管是透過國泰房地產指數還是信譽房價指數我上面寫的base line是從2016年開始\n一直到2024年的Q1可以很清楚地看得出來那個攀升的幅度是非常驚人的當然我們在看房價指數的時候不能只看房價指數所以我們如果把房價指數跟薪資的成長率以及我們GDP的成長率一起放進來看的話除了可以很清楚地看到薪資的成長率如果我們以2016年當作base line的話\n在2023年是漲了15%我們的GDP漲了34%再往上我們的房價指數漲了大概51%\n因此年輕的世代他們所在面臨的他們的薪資永遠沒有辦法追上房價升高的速度這個是一個客觀存在的事實那不是只是一個主觀的感受當然當我們在討論房價所值比的時候通常政府有兩個政策工具一個是稅制稅制的部分可能跟財政部會比較有關係但是另外一個\n就是金融政策也就是說金管會在有關於規範我們的金融機構在放款的時候他是一個非常重要的政策調控工具那面對這樣子的狀況主委在善用金管會所擁有的政策工具的時候你有沒有什麼樣的想法\n這點可不可以容許我請銀行局來幫我回答這問題,可以嗎?可是你是主委喔?對\n當然就是這部分就我所知就是銀行我們在針對這個不通財的放款有一定的比率的限制有一些政策性上面的鼓勵這個都是有助於在比如說幫助年輕人在做放款的時候有些政策我想這部分我們能夠幫助到年輕人我們會持續來推動那至於說還有就是有關不要過度集中於在某個地方我想這個相關的規定也有一些規範\n那我不好意思時間的關係我必須要插一下我的理解是主委您是保險的專家嘛不敢對那可能在銀行端的部分未來也在您主委的範圍之內那因為您剛上任啊主委我相信有必要要給您一定的時間去全盤的思考跟規劃怎麼樣達成新政府內閣\n所在總統就職演說的時候講得很清楚房價的問題必須要改善那我以下就代主委看一下過去發生的狀況在2020年的時候央行已經警告我們不動產貸款\n在整個金融機構放款的比例35.8%在2020年的時候事實上已經太高了因為如果過多的銀行貸款的融資是跑到有關於不動產建築業的貸款的話那事實上它有可能會推升整個房價不斷的上升因為我們希望\n銀行的資金是拿來促進實體經濟而不是拿來炒房的我相信這樣子的一個政策目標主委您應該是認同的吧\n當然居住這裡這是好但問題是雖然央行在2020年就已經發出警訊了但事實上情況好像沒有變好越來越嚴重到2024年1月的時候其實有關於不動產的放款已經到銀行整個融資的爬升到37.44%了也就是情況比2020年的時候還要惡化\n這個會牽涉到說具體的數字我相信銀行局的同仁或金管會的同仁可以幫你整理得很好你實際上面來看一看我們如果只focus在銀行建築業的貸款的話你會發現從2016年的一兆6161億到2018年的一兆7825億平均每個月增加62億\n但是從2018年8月以後到去年年底的時候平均每月增加已經到了233億那個攀升的速度相當相當的驚人那如果我們再進一步擴大的看不是只有銀行建築的貸款而是到整個銀行房地產的放款餘額的話那個數字更是驚人\n更是驚人增加了從2018年到去年年底的時候增加了4.5866億也就是說非常多銀行的融資跑到了不動產市場當中那推高了整個房價也正是因為這個樣子事實上在銀行法72條之2\n我們規範三月銀行辦理住宅以及企業放款的總額不可以超過他所收存款以及金融債券發行額的百分之三十我相信這個主委你很清楚但是過去的金管會他事實上在這個百分之三十的限額他又開了一個新的後門\n又開了一個新的後門剛剛我在做比較的時候為什麼以2018年來當作一個切分的時間點是有他的道理在的那針對這樣子的一個政策針對這樣子的一個政策監管會做了這樣子的事情所產生實際的效果剛剛主委應該可以看得出來他的效果是很劇烈的所以上次這個我都跳過去了我因為時間到了我只講最後一件事\n因此上次我在跟央行總裁也是在財政委員會進行質詢的時候我有提醒央行總裁這樣子的事情他也認同說當房價不斷飆升的時候不動產放款的比例現在我不是講絕對值喔連比例本身都在不斷的攀升的時候在這樣的情況之下我們的金管會還幫不動產的放款開了後門開了後門去\n回避掉銀行法72條之二的規定那這件事情本身這件事情本身恐怕有需要再思考的必要那因此我那時候建議央行的總裁這件事情可能在配合他們整體性的\n貨幣的政策到你們金管會在規範有關於不動產放款的融資銀行商業大款的融資的規範上面可能要找金管會談一談您上任了以後跟總裁見過面了嗎?\n在應該在之前見過上任還沒有上任以後還沒有嘛那我希望說齁主任能夠關注這個問題沒有問題您剛上任的時候該給您的時間跟空間我相信每一位關心不同議題的委員都會願意\n給您這樣的事件但是這件事情是以現在進行式非常快速而且惡化的在發生我要拜託主委一定要特別關注這樣的事情因為金管會手上其實對於抑制房價不斷的攀升是有不錯\n的政策工具那希望您就任金管部主委以後能夠在這些政策的調整上協助我們的新政府實現居住正義的價值謝謝這樣可以嗎可以可以這樣這個非常非常謝謝好我希望下次在跟您見面的時候我們今天的主題的討論就會再更深一步了好謝謝謝謝王委員謝謝總經理謝謝\n下一位質詢請葛如君\n","vtt":"WEBVTT\n\n00:03.439 --> 00:07.362\n謝謝主席那有請彭主委您彭主委主委好首先恭喜您榮任金管會的主委拉希德總統在5209指引說的時候有提到針對於物價、房價、貧富差距的問題要不斷的改善\n\n00:29.910 --> 00:46.243\n如果我們談改善的話就必須要誠實面對我們現在的狀況我相信不管是透過國泰房地產指數還是信譽房價指數我上面寫的baseline是從2016年開始\n\n00:47.461 --> 01:16.090\n一直到2024年的Q1可以很清楚地看得出來那個攀升的幅度是非常驚人的當然我們在看房價指數的時候不能只看房價指數所以我們如果把房價指數跟薪資的成長率以及我們GDP的成長率一起放進來看的話除了可以很清楚地看到薪資的成長率如果我們以2016年當作baseline的話\n\n01:17.391 --> 01:29.121\n在2023年是漲了15%我們的GDP漲了34%再往上我們的房價指數漲了大概51%\n\n01:32.043 --> 01:57.441\n因此年輕的世代他們所在面臨的他們的薪資永遠沒有辦法追上房價升高的速度這個是一個客觀存在的事實那不是只是一個主觀的感受當然當我們在討論房價所值比的時候通常政府有兩個政策工具一個是稅制稅制的部分可能跟財政部會比較有關係但是另外一個\n\n01:58.382 --> 02:20.365\n就是金融政策也就是說金管會在有關於規範我們的金融機構在放款的時候他是一個非常重要的政策調控工具那面對這樣子的狀況主委在善用金管會所擁有的政策工具的時候你有沒有什麼樣的想法\n\n02:24.071 --> 02:29.698\n這點可不可以容許我請銀行局來幫我回答這問題,可以嗎?可是你是主委喔?對\n\n02:32.219 --> 02:58.044\n當然就是這部分就我所知就是銀行我們在針對這個不通財的放款有一定的比率的限制有一些政策性上面的鼓勵這個都是有助於在比如說幫助年輕人在做放款的時候有些政策我想這部分我們能夠幫助到年輕人我們會持續來推動那至於說還有就是有關不要過度集中於在某個地方我想這個相關的規定也有一些規範\n\n02:59.324 --> 03:24.854\n那我不好意思時間的關係我必須要插一下我的理解是主委您是保險的專家嘛不敢對那可能在銀行端的部分未來也在您主委的範圍之內那因為您剛上任啊主委我相信有必要要給您一定的時間去全盤的思考跟規劃怎麼樣達成新政府內閣\n\n03:26.315 --> 03:43.909\n所在總統就職演說的時候講得很清楚房價的問題必須要改善那我以下就代主委看一下過去發生的狀況在2020年的時候央行已經警告我們不動產貸款\n\n03:46.011 --> 04:10.241\n在整個金融機構放款的比例35.8%在2020年的時候事實上已經太高了因為如果過多的銀行貸款的融資是跑到有關於不動產建築業的貸款的話那事實上它有可能會推升整個房價不斷的上升因為我們希望\n\n04:11.401 --> 04:20.868\n銀行的資金是拿來促進實體經濟而不是拿來炒房的我相信這樣子的一個政策目標主委您應該是認同的吧\n\n04:21.890 --> 04:41.743\n當然居住這裡這是好但問題是雖然央行在2020年就已經發出警訊了但事實上情況好像沒有變好越來越嚴重到2024年1月的時候其實有關於不動產的放款已經到銀行整個融資的爬升到37.44%了也就是情況比2020年的時候還要惡化\n\n04:48.907 --> 05:07.033\n這個會牽涉到說具體的數字我相信銀行局的同仁或金管會的同仁可以幫你整理得很好你實際上面來看一看我們如果只focus在銀行建築業的貸款的話你會發現從2016年的一兆6161億到2018年的一兆7825億平均每個月增加62億\n\n05:14.935 --> 05:39.309\n但是從2018年8月以後到去年年底的時候平均每月增加已經到了233億那個攀升的速度相當相當的驚人那如果我們再進一步擴大的看不是只有銀行建築的貸款而是到整個銀行房地產的放款餘額的話那個數字更是驚人\n\n05:40.450 --> 06:00.938\n更是驚人增加了從2018年到去年年底的時候增加了4.5866億也就是說非常多銀行的融資跑到了不動產市場當中那推高了整個房價也正是因為這個樣子事實上在銀行法72條之2\n\n06:02.719 --> 06:22.632\n我們規範三月銀行辦理住宅以及企業放款的總額不可以超過他所收存款以及金融債券發行額的百分之三十我相信這個主委你很清楚但是過去的金管會他事實上在這個百分之三十的限額他又開了一個新的後門\n\n06:23.593 --> 06:51.825\n又開了一個新的後門剛剛我在做比較的時候為什麼以2018年來當作一個切分的時間點是有他的道理在的那針對這樣子的一個政策針對這樣子的一個政策監管會做了這樣子的事情所產生實際的效果剛剛主委應該可以看得出來他的效果是很劇烈的所以上次這個我都跳過去了我因為時間到了我只講最後一件事\n\n06:53.186 --> 07:20.094\n因此上次我在跟央行總裁也是在財政委員會進行質詢的時候我有提醒央行總裁這樣子的事情他也認同說當房價不斷飆升的時候不動產放款的比例現在我不是講絕對值喔連比例本身都在不斷的攀升的時候在這樣的情況之下我們的金管會還幫不動產的放款開了後門開了後門去\n\n07:23.593 --> 07:42.496\n回避掉銀行法72條之二的規定那這件事情本身這件事情本身恐怕有需要再思考的必要那因此我那時候建議央行的總裁這件事情可能在配合他們整體性的\n\n07:43.497 --> 07:56.351\n貨幣的政策到你們金管會在規範有關於不動產放款的融資銀行商業大款的融資的規範上面可能要找金管會談一談您上任了以後跟總裁見過面了嗎?\n\n07:59.245 --> 08:14.499\n在應該在之前見過上任還沒有上任以後還沒有嘛那我希望說齁主任能夠關注這個問題沒有問題您剛上任的時候該給您的時間跟空間我相信每一位關心不同議題的委員都會願意\n\n08:16.821 --> 08:35.451\n給您這樣的事件但是這件事情是以現在進行式非常快速而且惡化的在發生我要拜託主委一定要特別關注這樣的事情因為金管會手上其實對於抑制房價不斷的攀升是有不錯\n\n08:36.311 --> 09:00.157\n的政策工具那希望您就任金管部主委以後能夠在這些政策的調整上協助我們的新政府實現居住正義的價值謝謝這樣可以嗎可以可以這樣這個非常非常謝謝好我希望下次在跟您見面的時候我們今天的主題的討論就會再更深一步了好謝謝謝謝王委員謝謝總經理謝謝\n\n09:08.379 --> 09:09.202\n下一位質詢請葛如君\n\n","segments":[{"start":3.439,"end":7.362,"text":"謝謝主席 那有請彭主委您彭主委主委好首先恭喜您榮任金管會的主委拉希德總統在5209指引說的時候有提到針對於物價、房價、貧富差距的問題要不斷的改善"},{"start":29.91,"end":46.243,"text":"如果我們談改善的話就必須要誠實面對我們現在的狀況我相信不管是透過國泰房地產指數還是信譽房價指數我上面寫的base line是從2016年開始"},{"start":47.461,"end":76.09,"text":"一直到2024年的Q1可以很清楚地看得出來那個攀升的幅度是非常驚人的當然我們在看房價指數的時候不能只看房價指數所以我們如果把房價指數跟薪資的成長率以及我們GDP的成長率一起放進來看的話除了可以很清楚地看到薪資的成長率如果我們以2016年當作base line的話"},{"start":77.391,"end":89.121,"text":"在2023年是漲了15%我們的GDP漲了34%再往上我們的房價指數漲了大概51%"},{"start":92.043,"end":117.441,"text":"因此年輕的世代他們所在面臨的他們的薪資永遠沒有辦法追上房價升高的速度這個是一個客觀存在的事實那不是只是一個主觀的感受當然當我們在討論房價所值比的時候通常政府有兩個政策工具一個是稅制稅制的部分可能跟財政部會比較有關係但是另外一個"},{"start":118.382,"end":140.365,"text":"就是金融政策也就是說金管會在有關於規範我們的金融機構在放款的時候他是一個非常重要的政策調控工具那面對這樣子的狀況主委在善用金管會所擁有的政策工具的時候你有沒有什麼樣的想法"},{"start":144.071,"end":149.698,"text":"這點可不可以容許我請銀行局來幫我回答這問題,可以嗎?可是你是主委喔?對"},{"start":152.219,"end":178.044,"text":"當然就是這部分就我所知就是銀行我們在針對這個不通財的放款有一定的比率的限制有一些政策性上面的鼓勵這個都是有助於在比如說幫助年輕人在做放款的時候有些政策我想這部分我們能夠幫助到年輕人我們會持續來推動那至於說還有就是有關不要過度集中於在某個地方我想這個相關的規定也有一些規範"},{"start":179.324,"end":204.854,"text":"那我不好意思時間的關係我必須要插一下我的理解是主委您是保險的專家嘛不敢對那可能在銀行端的部分未來也在您主委的範圍之內那因為您剛上任啊主委我相信有必要要給您一定的時間去全盤的思考跟規劃怎麼樣達成新政府內閣"},{"start":206.315,"end":223.909,"text":"所在總統就職演說的時候講得很清楚房價的問題必須要改善那我以下就代主委看一下過去發生的狀況在2020年的時候央行已經警告我們不動產貸款"},{"start":226.011,"end":250.241,"text":"在整個金融機構放款的比例35.8%在2020年的時候事實上已經太高了因為如果過多的銀行貸款的融資是跑到有關於不動產建築業的貸款的話那事實上它有可能會推升整個房價不斷的上升因為我們希望"},{"start":251.401,"end":260.868,"text":"銀行的資金是拿來促進實體經濟而不是拿來炒房的我相信這樣子的一個政策目標主委您應該是認同的吧"},{"start":261.89,"end":281.743,"text":"當然居住這裡這是好但問題是雖然央行在2020年就已經發出警訊了但事實上情況好像沒有變好越來越嚴重到2024年1月的時候其實有關於不動產的放款已經到銀行整個融資的爬升到37.44%了也就是情況比2020年的時候還要惡化"},{"start":288.907,"end":307.033,"text":"這個會牽涉到說具體的數字我相信銀行局的同仁或金管會的同仁可以幫你整理得很好你實際上面來看一看我們如果只focus在銀行建築業的貸款的話你會發現從2016年的一兆6161億到2018年的一兆7825億平均每個月增加62億"},{"start":314.935,"end":339.309,"text":"但是從2018年8月以後到去年年底的時候平均每月增加已經到了233億那個攀升的速度相當相當的驚人那如果我們再進一步擴大的看不是只有銀行建築的貸款而是到整個銀行房地產的放款餘額的話那個數字更是驚人"},{"start":340.45,"end":360.938,"text":"更是驚人增加了從2018年到去年年底的時候增加了4.5866億也就是說非常多銀行的融資跑到了不動產市場當中那推高了整個房價也正是因為這個樣子事實上在銀行法72條之2"},{"start":362.719,"end":382.632,"text":"我們規範三月銀行辦理住宅以及企業放款的總額不可以超過他所收存款以及金融債券發行額的百分之三十我相信這個主委你很清楚但是過去的金管會他事實上在這個百分之三十的限額他又開了一個新的後門"},{"start":383.593,"end":411.825,"text":"又開了一個新的後門剛剛我在做比較的時候為什麼以2018年來當作一個切分的時間點是有他的道理在的那針對這樣子的一個政策針對這樣子的一個政策監管會做了這樣子的事情所產生實際的效果剛剛主委應該可以看得出來他的效果是很劇烈的所以上次這個我都跳過去了我因為時間到了我只講最後一件事"},{"start":413.186,"end":440.094,"text":"因此上次我在跟央行總裁也是在財政委員會進行質詢的時候我有提醒央行總裁這樣子的事情他也認同說當房價不斷飆升的時候不動產放款的比例現在我不是講絕對值喔連比例本身都在不斷的攀升的時候在這樣的情況之下我們的金管會還幫不動產的放款開了後門開了後門去"},{"start":443.593,"end":462.496,"text":"回避掉銀行法72條之二的規定那這件事情本身這件事情本身恐怕有需要再思考的必要那因此我那時候建議央行的總裁這件事情可能在配合他們整體性的"},{"start":463.497,"end":476.351,"text":"貨幣的政策到你們金管會在規範有關於不動產放款的融資銀行商業大款的融資的規範上面可能要找金管會談一談您上任了以後跟總裁見過面了嗎?"},{"start":479.245,"end":494.499,"text":"在應該在之前見過上任還沒有上任以後還沒有嘛那我希望說齁主任能夠關注這個問題沒有問題您剛上任的時候該給您的時間跟空間我相信每一位關心不同議題的委員都會願意"},{"start":496.821,"end":515.451,"text":"給您這樣的事件但是這件事情是以現在進行式非常快速而且惡化的在發生我要拜託主委一定要特別關注這樣的事情因為金管會手上其實對於抑制房價不斷的攀升是有不錯"},{"start":516.311,"end":540.157,"text":"的政策工具那希望您就任金管部主委以後能夠在這些政策的調整上協助我們的新政府實現居住正義的價值謝謝這樣可以嗎可以可以這樣這個非常非常謝謝好我希望下次在跟您見面的時候我們今天的主題的討論就會再更深一步了好謝謝謝謝王委員謝謝總經理謝謝"},{"start":548.379,"end":549.202,"text":"下一位質詢請葛如君"}]}}}}