{"id":153716,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/153716","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/0d7b1f4370c473d5d2cfa7ae0b75f3532248f66a23a11b53ee56b966b91e11303fd1aa64397e0cb55ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"黃珊珊","委員發言時間":"10:56:05 - 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\"text\": \"所以我會覺得說下一波你要好好地盯緊這個部分因為畢竟政府的資產資源不應該成為炒作方式的幫兇是是謝謝所以第一點第二點就是我也看到今天總裁的報告在日本現在我們對日本都非常有興趣因為國人現在非常開心只要去日本玩就非常的便宜跟划算對\", \"words\": [{\"word\": \"所\", \"start\": 199.045, \"end\": 199.165, \"score\": 0.979}, {\"word\": \"以\", \"start\": 199.165, \"end\": 199.265, \"score\": 0.803}, {\"word\": \"我\", \"start\": 199.265, \"end\": 199.826, \"score\": 0.893}, {\"word\": \"會\"}, {\"word\": \"覺\"}, {\"word\": \"得\", \"start\": 199.826, \"end\": 200.646, \"score\": 0.951}, {\"word\": \"說\"}, {\"word\": \"下\", \"start\": 200.646, \"end\": 200.866, \"score\": 0.974}, {\"word\": \"一\", \"start\": 200.866, \"end\": 201.007, \"score\": 0.949}, {\"word\": \"波\", \"start\": 201.007, \"end\": 201.187, \"score\": 0.912}, {\"word\": \"你\", \"start\": 201.187, \"end\": 201.287, \"score\": 0.892}, {\"word\": \"要\", \"start\": 201.287, \"end\": 201.767, \"score\": 0.958}, {\"word\": \"好\", \"start\": 201.767, \"end\": 201.967, \"score\": 0.9}, {\"word\": \"好\", \"start\": 201.967, \"end\": 202.147, 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\"score\": 0.937}, {\"word\": \"就\", \"start\": 220.942, \"end\": 221.162, \"score\": 0.994}, {\"word\": \"非\", \"start\": 221.162, \"end\": 221.282, \"score\": 0.927}, {\"word\": \"常\", \"start\": 221.282, \"end\": 221.543, \"score\": 0.927}, {\"word\": \"的\", \"start\": 221.543, \"end\": 221.963, \"score\": 1.0}, {\"word\": \"便\", \"start\": 221.963, \"end\": 222.143, \"score\": 0.977}, {\"word\": \"宜\", \"start\": 222.143, \"end\": 222.323, \"score\": 0.994}, {\"word\": \"跟\", \"start\": 222.323, \"end\": 222.503, \"score\": 0.889}, {\"word\": \"划\", \"start\": 222.503, \"end\": 222.703, \"score\": 0.901}, {\"word\": \"算\", \"start\": 222.703, \"end\": 222.723, \"score\": 0.052}, {\"word\": \"對\"}]}, {\"start\": 223.484, \"end\": 240.417, \"text\": \"重點是日本長期以來我看到你們的報告是說日本到現在沒有脫離日本化低利率、低通膨、低成長的經濟困境也就是30多年的失落的日本那其實就是台灣的前車之鑑我有看到說我們雖然現在還是經濟成長\", \"words\": [{\"word\": \"重\", \"start\": 223.484, \"end\": 223.844, \"score\": 0.933}, {\"word\": \"點\"}, {\"word\": \"是\", \"start\": 223.844, 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{\"start\": 270.926, \"end\": 299.413, \"text\": \"這種狀況非常嚴重吧所以總裁你有什麼建議人口轉變工作人口還有我們的我們的衝擊會比日本還大我看了真是膽戰心驚總裁怎麼建議所以就是說少子化這個是不是說台灣是這樣好像是這個也是世界的趨勢就是說特別是先進國家如果你已經看到了2052我們會比日本更衝擊\", \"words\": [{\"word\": \"這\"}, {\"word\": \"種\"}, {\"word\": \"狀\"}, {\"word\": \"況\"}, {\"word\": \"非\", \"start\": 270.926, \"end\": 272.146, \"score\": 0.906}, {\"word\": \"常\", \"start\": 272.146, \"end\": 272.486, \"score\": 0.822}, {\"word\": \"嚴\"}, {\"word\": \"重\", \"start\": 272.486, \"end\": 272.687, \"score\": 0.892}, {\"word\": \"吧\", \"start\": 272.687, \"end\": 273.507, \"score\": 0.846}, {\"word\": \"所\", \"start\": 273.507, \"end\": 273.607, \"score\": 0.803}, {\"word\": \"以\", \"start\": 273.607, \"end\": 274.087, \"score\": 0.872}, {\"word\": \"總\"}, {\"word\": \"裁\", \"start\": 274.087, \"end\": 274.227, \"score\": 0.862}, {\"word\": \"你\", \"start\": 274.227, \"end\": 274.247, \"score\": 0.0}, {\"word\": \"有\", \"start\": 274.247, \"end\": 274.407, \"score\": 0.871}, {\"word\": \"什\", 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\"zh\"}","srt":"1\n00:00:00,506 --> 00:00:03,732\n好的,謝謝主席,我請總裁李洋總裁\n\n2\n00:00:10,097 --> 00:00:37,634\n黃委員早是總裁早我想今天很高興能夠再看到總裁來報告相關的也希望在新政府上任之後我們還是提供穩健而且有建設性的建議第一個就是央行在113年5月份公布的金融穩定報告裡面說不動產的市場現在回溫而且價格居高民眾購物負擔增加所以\n\n3\n00:00:38,474 --> 00:01:01,880\n總裁現在的狀況你覺得現在的房市熱絡是好事還是壞事?如果說是好事如果說它是基本面所支出的那就是是好事如果說是炒作出來的那就不好所以我記得我上次在質詢您的時候就是說政府在\n\n4\n00:01:02,740 --> 00:01:30,047\n提出了平均基權條例希望能夠打房但是同時在大選期間又推出了新清安貸款這兩個政策某個程度來說其實是有點自相矛盾那房市不斷的飆高當然股票也飆高表示台灣內部的經濟狀況是不錯的那錢只能拿去買股炒房不然要做什麼另外就是一種投資詐騙一大堆所以我的問題是房市熱絡新清安貸款\n\n5\n00:01:31,067 --> 00:01:52,666\n有沒有所謂的帶動這一波房市炒作的原因?這個就是說預期心理一定有啦預期心理是當然是有啦那這個就是說因為大家都覺得再不買就會更貴啊所以趕快去買尤其是\n\n6\n00:01:53,647 --> 00:01:58,033\n新西安貸款在4月份單個月就6879戶貸款了500多億總共現在已經到53000戶總金額已經4000多億所以接下來看起來這個房市沒有辦法\n\n7\n00:02:08,607 --> 00:02:29,378\n冷卻或者是依照這樣的狀況之下我想問一下總裁剛剛很多委員都問過了我們有沒有新的另外一波的管制措施是我跟委員報告是啦就是說我們從選擇性信用管制之後我們都一直在每次的禮監事會的時候所以會不會再做一次不動產貸款的解決我們都會討論它\n\n8\n00:02:32,279 --> 00:03:00,408\n這個議題呢我也相信這一次我們還是會討論是不動產你們以前會對不動產貸款的專案精簡跟金融對就這個部分我是建議啦因為新青安貸款現在已經變成非常熱絡而且有很多人已經當成人頭然後甚至有轉租的現象我們一定要求財政部去勾結如果有任何轉租的情況就必須要處理第二個民間的大型民營的銀行因為比不過新青安貸款所以現在有非常多\n\n9\n00:03:01,969 --> 00:03:13,880\n40年的貸款而且最高成數可以到達9成可能對於整個的貸款的市場我覺得總裁也要稍作注意避免造成市場反彈我想委員的建議我們會來更積極的來做精檢\n\n10\n00:03:19,045 --> 00:03:42,723\n所以我會覺得說下一波你要好好地盯緊這個部分因為畢竟政府的資產資源不應該成為炒作方式的幫兇是是謝謝所以第一點第二點就是我也看到今天總裁的報告在日本現在我們對日本都非常有興趣因為國人現在非常開心只要去日本玩就非常的便宜跟划算對\n\n11\n00:03:43,484 --> 00:04:00,417\n重點是日本長期以來我看到你們的報告是說日本到現在沒有脫離日本化低利率、低通膨、低成長的經濟困境也就是30多年的失落的日本那其實就是台灣的前車之鑑我有看到說我們雖然現在還是經濟成長\n\n12\n00:04:30,926 --> 00:04:59,413\n這種狀況非常嚴重吧所以總裁你有什麼建議人口轉變工作人口還有我們的我們的衝擊會比日本還大我看了真是膽戰心驚總裁怎麼建議所以就是說少子化這個是不是說台灣是這樣好像是這個也是世界的趨勢就是說特別是先進國家如果你已經看到了2052我們會比日本更衝擊\n\n13\n00:05:02,595 --> 00:05:16,410\n所以各個相關的部會包括就是說包括我們舉一個很簡單的例子就是說包括我們的學校是的現在就要開始做準備了吧30年前的現在就要做準備了那你的勞力要怎麼來因應那當然了\n\n14\n00:05:23,117 --> 00:05:23,217\n國際財政委員會議\n\n15\n00:05:42,858 --> 00:05:45,701\n日本這個考古題就像剛剛講的我們不能再用所謂的\n\n16\n00:06:04,999 --> 00:06:24,685\n將來的社會保障制度還有很多制度都沒有調整現在最嚴重的其實就是勞健保還有相關的所謂的社會福利相關的制度如果我們現在不處理我們現在還是用撥補來取代所謂的年金改革這個其實是不務實的就像我們一直用人民的納稅錢去撥補台電一樣這個是不務實的\n\n17\n00:06:28,246 --> 00:06:35,347\n所以總裁我們希望政府應該及早因應您在行政院院會我相信也是備受\n\n18\n00:06:36,479 --> 00:06:36,639\n謝謝委員指教\n\n19\n00:07:00,620 --> 00:07:01,261\n現在進行吳立華吳委員\n\n","tsv":"start\tend\ttext\n506\t3732\t好的,謝謝主席,我請總裁李洋總裁\n10097\t37634\t黃委員早是總裁早我想今天很高興能夠再看到總裁來報告相關的也希望在新政府上任之後我們還是提供穩健而且有建設性的建議第一個就是央行在113年5月份公布的金融穩定報告裡面說不動產的市場現在回溫而且價格居高民眾購物負擔增加所以\n38474\t61880\t總裁現在的狀況你覺得現在的房市熱絡是好事還是壞事?如果說是好事如果說它是基本面所支出的那就是是好事如果說是炒作出來的那就不好所以我記得我上次在質詢您的時候就是說政府在\n62740\t90047\t提出了平均基權條例希望能夠打房但是同時在大選期間又推出了新清安貸款這兩個政策某個程度來說其實是有點自相矛盾那房市不斷的飆高當然股票也飆高表示台灣內部的經濟狀況是不錯的那錢只能拿去買股炒房不然要做什麼另外就是一種投資詐騙一大堆所以我的問題是房市熱絡新清安貸款\n91067\t112666\t有沒有所謂的帶動這一波房市炒作的原因?這個就是說預期心理一定有啦預期心理是當然是有啦那這個就是說因為大家都覺得再不買就會更貴啊所以趕快去買尤其是\n113647\t118033\t新西安貸款在4月份單個月就6879戶貸款了500多億總共現在已經到53000戶總金額已經4000多億所以接下來看起來這個房市沒有辦法\n128607\t149378\t冷卻或者是依照這樣的狀況之下我想問一下總裁剛剛很多委員都問過了我們有沒有新的另外一波的管制措施是 我跟委員報告是啦就是說我們從選擇性信用管制之後我們都一直在每次的禮監事會的時候所以會不會再做一次不動產貸款的解決我們都會討論它\n152279\t180408\t這個議題呢我也相信這一次我們還是會討論是不動產你們以前會對不動產貸款的專案精簡跟金融對就這個部分我是建議啦因為新青安貸款現在已經變成非常熱絡而且有很多人已經當成人頭然後甚至有轉租的現象我們一定要求財政部去勾結如果有任何轉租的情況就必須要處理第二個民間的大型民營的銀行因為比不過新青安貸款所以現在有非常多\n181969\t193880\t40年的貸款而且最高成數可以到達9成可能對於整個的貸款的市場我覺得總裁也要稍作注意避免造成市場反彈我想委員的建議我們會來更積極的來做精檢\n199045\t222723\t所以我會覺得說下一波你要好好地盯緊這個部分因為畢竟政府的資產資源不應該成為炒作方式的幫兇是是謝謝所以第一點第二點就是我也看到今天總裁的報告在日本現在我們對日本都非常有興趣因為國人現在非常開心只要去日本玩就非常的便宜跟划算對\n223484\t240417\t重點是日本長期以來我看到你們的報告是說日本到現在沒有脫離日本化低利率、低通膨、低成長的經濟困境也就是30多年的失落的日本那其實就是台灣的前車之鑑我有看到說我們雖然現在還是經濟成長\n242278\t270486\t對。對。\n270926\t299413\t這種狀況非常嚴重吧所以總裁你有什麼建議人口轉變工作人口還有我們的我們的衝擊會比日本還大我看了真是膽戰心驚總裁怎麼建議所以就是說少子化這個是不是說台灣是這樣好像是這個也是世界的趨勢就是說特別是先進國家如果你已經看到了2052我們會比日本更衝擊\n302595\t316410\t所以各個相關的部會包括就是說包括我們舉一個很簡單的例子就是說包括我們的學校是的現在就要開始做準備了吧30年前的現在就要做準備了那你的勞力要怎麼來因應那當然了\n323117\t323217\t國際財政委員會議\n342858\t345701\t日本這個考古題就像剛剛講的我們不能再用所謂的\n364999\t384685\t將來的社會保障制度還有很多制度都沒有調整現在最嚴重的其實就是勞健保還有相關的所謂的社會福利相關的制度如果我們現在不處理我們現在還是用撥補來取代所謂的年金改革這個其實是不務實的就像我們一直用人民的納稅錢去撥補台電一樣這個是不務實的\n388246\t395347\t所以總裁我們希望政府應該及早因應您在行政院院會我相信也是備受\n396479\t396639\t謝謝委員指教\n420620\t421261\t現在進行吳立華吳委員\n","txt":"好的,謝謝主席,我請總裁李洋總裁\n黃委員早是總裁早我想今天很高興能夠再看到總裁來報告相關的也希望在新政府上任之後我們還是提供穩健而且有建設性的建議第一個就是央行在113年5月份公布的金融穩定報告裡面說不動產的市場現在回溫而且價格居高民眾購物負擔增加所以\n總裁現在的狀況你覺得現在的房市熱絡是好事還是壞事?如果說是好事如果說它是基本面所支出的那就是是好事如果說是炒作出來的那就不好所以我記得我上次在質詢您的時候就是說政府在\n提出了平均基權條例希望能夠打房但是同時在大選期間又推出了新清安貸款這兩個政策某個程度來說其實是有點自相矛盾那房市不斷的飆高當然股票也飆高表示台灣內部的經濟狀況是不錯的那錢只能拿去買股炒房不然要做什麼另外就是一種投資詐騙一大堆所以我的問題是房市熱絡新清安貸款\n有沒有所謂的帶動這一波房市炒作的原因?這個就是說預期心理一定有啦預期心理是當然是有啦那這個就是說因為大家都覺得再不買就會更貴啊所以趕快去買尤其是\n新西安貸款在4月份單個月就6879戶貸款了500多億總共現在已經到53000戶總金額已經4000多億所以接下來看起來這個房市沒有辦法\n冷卻或者是依照這樣的狀況之下我想問一下總裁剛剛很多委員都問過了我們有沒有新的另外一波的管制措施是 我跟委員報告是啦就是說我們從選擇性信用管制之後我們都一直在每次的禮監事會的時候所以會不會再做一次不動產貸款的解決我們都會討論它\n這個議題呢我也相信這一次我們還是會討論是不動產你們以前會對不動產貸款的專案精簡跟金融對就這個部分我是建議啦因為新青安貸款現在已經變成非常熱絡而且有很多人已經當成人頭然後甚至有轉租的現象我們一定要求財政部去勾結如果有任何轉租的情況就必須要處理第二個民間的大型民營的銀行因為比不過新青安貸款所以現在有非常多\n40年的貸款而且最高成數可以到達9成可能對於整個的貸款的市場我覺得總裁也要稍作注意避免造成市場反彈我想委員的建議我們會來更積極的來做精檢\n所以我會覺得說下一波你要好好地盯緊這個部分因為畢竟政府的資產資源不應該成為炒作方式的幫兇是是謝謝所以第一點第二點就是我也看到今天總裁的報告在日本現在我們對日本都非常有興趣因為國人現在非常開心只要去日本玩就非常的便宜跟划算對\n重點是日本長期以來我看到你們的報告是說日本到現在沒有脫離日本化低利率、低通膨、低成長的經濟困境也就是30多年的失落的日本那其實就是台灣的前車之鑑我有看到說我們雖然現在還是經濟成長\n對。對。\n這種狀況非常嚴重吧所以總裁你有什麼建議人口轉變工作人口還有我們的我們的衝擊會比日本還大我看了真是膽戰心驚總裁怎麼建議所以就是說少子化這個是不是說台灣是這樣好像是這個也是世界的趨勢就是說特別是先進國家如果你已經看到了2052我們會比日本更衝擊\n所以各個相關的部會包括就是說包括我們舉一個很簡單的例子就是說包括我們的學校是的現在就要開始做準備了吧30年前的現在就要做準備了那你的勞力要怎麼來因應那當然了\n國際財政委員會議\n日本這個考古題就像剛剛講的我們不能再用所謂的\n將來的社會保障制度還有很多制度都沒有調整現在最嚴重的其實就是勞健保還有相關的所謂的社會福利相關的制度如果我們現在不處理我們現在還是用撥補來取代所謂的年金改革這個其實是不務實的就像我們一直用人民的納稅錢去撥補台電一樣這個是不務實的\n所以總裁我們希望政府應該及早因應您在行政院院會我相信也是備受\n謝謝委員指教\n現在進行吳立華吳委員\n","vtt":"WEBVTT\n\n00:00.506 --> 00:03.732\n好的,謝謝主席,我請總裁李洋總裁\n\n00:10.097 --> 00:37.634\n黃委員早是總裁早我想今天很高興能夠再看到總裁來報告相關的也希望在新政府上任之後我們還是提供穩健而且有建設性的建議第一個就是央行在113年5月份公布的金融穩定報告裡面說不動產的市場現在回溫而且價格居高民眾購物負擔增加所以\n\n00:38.474 --> 01:01.880\n總裁現在的狀況你覺得現在的房市熱絡是好事還是壞事?如果說是好事如果說它是基本面所支出的那就是是好事如果說是炒作出來的那就不好所以我記得我上次在質詢您的時候就是說政府在\n\n01:02.740 --> 01:30.047\n提出了平均基權條例希望能夠打房但是同時在大選期間又推出了新清安貸款這兩個政策某個程度來說其實是有點自相矛盾那房市不斷的飆高當然股票也飆高表示台灣內部的經濟狀況是不錯的那錢只能拿去買股炒房不然要做什麼另外就是一種投資詐騙一大堆所以我的問題是房市熱絡新清安貸款\n\n01:31.067 --> 01:52.666\n有沒有所謂的帶動這一波房市炒作的原因?這個就是說預期心理一定有啦預期心理是當然是有啦那這個就是說因為大家都覺得再不買就會更貴啊所以趕快去買尤其是\n\n01:53.647 --> 01:58.033\n新西安貸款在4月份單個月就6879戶貸款了500多億總共現在已經到53000戶總金額已經4000多億所以接下來看起來這個房市沒有辦法\n\n02:08.607 --> 02:29.378\n冷卻或者是依照這樣的狀況之下我想問一下總裁剛剛很多委員都問過了我們有沒有新的另外一波的管制措施是我跟委員報告是啦就是說我們從選擇性信用管制之後我們都一直在每次的禮監事會的時候所以會不會再做一次不動產貸款的解決我們都會討論它\n\n02:32.279 --> 03:00.408\n這個議題呢我也相信這一次我們還是會討論是不動產你們以前會對不動產貸款的專案精簡跟金融對就這個部分我是建議啦因為新青安貸款現在已經變成非常熱絡而且有很多人已經當成人頭然後甚至有轉租的現象我們一定要求財政部去勾結如果有任何轉租的情況就必須要處理第二個民間的大型民營的銀行因為比不過新青安貸款所以現在有非常多\n\n03:01.969 --> 03:13.880\n40年的貸款而且最高成數可以到達9成可能對於整個的貸款的市場我覺得總裁也要稍作注意避免造成市場反彈我想委員的建議我們會來更積極的來做精檢\n\n03:19.045 --> 03:42.723\n所以我會覺得說下一波你要好好地盯緊這個部分因為畢竟政府的資產資源不應該成為炒作方式的幫兇是是謝謝所以第一點第二點就是我也看到今天總裁的報告在日本現在我們對日本都非常有興趣因為國人現在非常開心只要去日本玩就非常的便宜跟划算對\n\n03:43.484 --> 04:00.417\n重點是日本長期以來我看到你們的報告是說日本到現在沒有脫離日本化低利率、低通膨、低成長的經濟困境也就是30多年的失落的日本那其實就是台灣的前車之鑑我有看到說我們雖然現在還是經濟成長\n\n04:30.926 --> 04:59.413\n這種狀況非常嚴重吧所以總裁你有什麼建議人口轉變工作人口還有我們的我們的衝擊會比日本還大我看了真是膽戰心驚總裁怎麼建議所以就是說少子化這個是不是說台灣是這樣好像是這個也是世界的趨勢就是說特別是先進國家如果你已經看到了2052我們會比日本更衝擊\n\n05:02.595 --> 05:16.410\n所以各個相關的部會包括就是說包括我們舉一個很簡單的例子就是說包括我們的學校是的現在就要開始做準備了吧30年前的現在就要做準備了那你的勞力要怎麼來因應那當然了\n\n05:23.117 --> 05:23.217\n國際財政委員會議\n\n05:42.858 --> 05:45.701\n日本這個考古題就像剛剛講的我們不能再用所謂的\n\n06:04.999 --> 06:24.685\n將來的社會保障制度還有很多制度都沒有調整現在最嚴重的其實就是勞健保還有相關的所謂的社會福利相關的制度如果我們現在不處理我們現在還是用撥補來取代所謂的年金改革這個其實是不務實的就像我們一直用人民的納稅錢去撥補台電一樣這個是不務實的\n\n06:28.246 --> 06:35.347\n所以總裁我們希望政府應該及早因應您在行政院院會我相信也是備受\n\n06:36.479 --> 06:36.639\n謝謝委員指教\n\n07:00.620 --> 07:01.261\n現在進行吳立華吳委員\n\n","segments":[{"start":0.506,"end":3.732,"text":"好的,謝謝主席,我請總裁李洋總裁"},{"start":10.097,"end":37.634,"text":"黃委員早是總裁早我想今天很高興能夠再看到總裁來報告相關的也希望在新政府上任之後我們還是提供穩健而且有建設性的建議第一個就是央行在113年5月份公布的金融穩定報告裡面說不動產的市場現在回溫而且價格居高民眾購物負擔增加所以"},{"start":38.474,"end":61.88,"text":"總裁現在的狀況你覺得現在的房市熱絡是好事還是壞事?如果說是好事如果說它是基本面所支出的那就是是好事如果說是炒作出來的那就不好所以我記得我上次在質詢您的時候就是說政府在"},{"start":62.74,"end":90.047,"text":"提出了平均基權條例希望能夠打房但是同時在大選期間又推出了新清安貸款這兩個政策某個程度來說其實是有點自相矛盾那房市不斷的飆高當然股票也飆高表示台灣內部的經濟狀況是不錯的那錢只能拿去買股炒房不然要做什麼另外就是一種投資詐騙一大堆所以我的問題是房市熱絡新清安貸款"},{"start":91.067,"end":112.666,"text":"有沒有所謂的帶動這一波房市炒作的原因?這個就是說預期心理一定有啦預期心理是當然是有啦那這個就是說因為大家都覺得再不買就會更貴啊所以趕快去買尤其是"},{"start":113.647,"end":118.033,"text":"新西安貸款在4月份單個月就6879戶貸款了500多億總共現在已經到53000戶總金額已經4000多億所以接下來看起來這個房市沒有辦法"},{"start":128.607,"end":149.378,"text":"冷卻或者是依照這樣的狀況之下我想問一下總裁剛剛很多委員都問過了我們有沒有新的另外一波的管制措施是 我跟委員報告是啦就是說我們從選擇性信用管制之後我們都一直在每次的禮監事會的時候所以會不會再做一次不動產貸款的解決我們都會討論它"},{"start":152.279,"end":180.408,"text":"這個議題呢我也相信這一次我們還是會討論是不動產你們以前會對不動產貸款的專案精簡跟金融對就這個部分我是建議啦因為新青安貸款現在已經變成非常熱絡而且有很多人已經當成人頭然後甚至有轉租的現象我們一定要求財政部去勾結如果有任何轉租的情況就必須要處理第二個民間的大型民營的銀行因為比不過新青安貸款所以現在有非常多"},{"start":181.969,"end":193.88,"text":"40年的貸款而且最高成數可以到達9成可能對於整個的貸款的市場我覺得總裁也要稍作注意避免造成市場反彈我想委員的建議我們會來更積極的來做精檢"},{"start":199.045,"end":222.723,"text":"所以我會覺得說下一波你要好好地盯緊這個部分因為畢竟政府的資產資源不應該成為炒作方式的幫兇是是謝謝所以第一點第二點就是我也看到今天總裁的報告在日本現在我們對日本都非常有興趣因為國人現在非常開心只要去日本玩就非常的便宜跟划算對"},{"start":223.484,"end":240.417,"text":"重點是日本長期以來我看到你們的報告是說日本到現在沒有脫離日本化低利率、低通膨、低成長的經濟困境也就是30多年的失落的日本那其實就是台灣的前車之鑑我有看到說我們雖然現在還是經濟成長"},{"start":242.278,"end":270.486,"text":"對。對。"},{"start":270.926,"end":299.413,"text":"這種狀況非常嚴重吧所以總裁你有什麼建議人口轉變工作人口還有我們的我們的衝擊會比日本還大我看了真是膽戰心驚總裁怎麼建議所以就是說少子化這個是不是說台灣是這樣好像是這個也是世界的趨勢就是說特別是先進國家如果你已經看到了2052我們會比日本更衝擊"},{"start":302.595,"end":316.41,"text":"所以各個相關的部會包括就是說包括我們舉一個很簡單的例子就是說包括我們的學校是的現在就要開始做準備了吧30年前的現在就要做準備了那你的勞力要怎麼來因應那當然了"},{"start":323.117,"end":323.217,"text":"國際財政委員會議"},{"start":342.858,"end":345.701,"text":"日本這個考古題就像剛剛講的我們不能再用所謂的"},{"start":364.999,"end":384.685,"text":"將來的社會保障制度還有很多制度都沒有調整現在最嚴重的其實就是勞健保還有相關的所謂的社會福利相關的制度如果我們現在不處理我們現在還是用撥補來取代所謂的年金改革這個其實是不務實的就像我們一直用人民的納稅錢去撥補台電一樣這個是不務實的"},{"start":388.246,"end":395.347,"text":"所以總裁我們希望政府應該及早因應您在行政院院會我相信也是備受"},{"start":396.479,"end":396.639,"text":"謝謝委員指教"},{"start":420.62,"end":421.261,"text":"現在進行吳立華吳委員"}]}}}}