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{\"word\": \"委\", \"start\": 273.733, \"end\": 273.753, \"score\": 0.0}, {\"word\": \"員\"}], \"language\": \"zh\"}","srt":"1\n00:00:00,433 --> 00:00:05,776\n好我們下一位請賴瑞榮委員質詢請四分鐘了好謝謝召委然後我請那個主計長陳主計長跟跟金管會的彭主委彭主委請\n\n2\n00:00:24,176 --> 00:00:34,605\n我先請教一下主席長好主席長這一次的追加預算878億但是現在有傳出來說如果要刪掉113億如果這樣刪的話會造成什麼樣的影響\n\n3\n00:00:39,184 --> 00:00:57,120\n這裡面因為我們878億扣除636就是一般性的補助款之外然後再來就是我們那個原民會的進華補償那還有一個國軍加薪的59億所以它主要的一個項目如果扣除之後呢那有很多大的一個項目是\n\n4\n00:00:58,801 --> 00:01:25,635\n部會他覺得困難然後要想申請能夠追加的一個部分因為這裡面當初在總預算在三減的時候他三減的一個百分比過高第二個他指定三減之後又不得流用所以造成在執行上所以這兩個因素導致所以我們現在提出來那追加預算裡面有很多也都是基本上包括地方政府的需要甚至於國軍的甚至於外交甚至於軍公教的一些需要是\n\n5\n00:01:26,475 --> 00:01:46,231\n所以應該是不要設定它的額度應該是就實際上面該給的就給該刪的就刪我覺得這樣來討論應該是比較我們期盼朝野的立委大家理性來討論不要設定一個額度該刪的就刪該給的就給以國家整體的發展需要為整體思考好不好是謝謝委員好謝謝主席長謝謝再要請教一下彭主委\n\n6\n00:01:49,052 --> 00:02:15,391\n現在其實大家也高度在關心住房者的一些房貸的問題之前我有找過來談過首購族跟換屋自住族跟整個已經取得銀行承諾的貸款額度的這些不會受到影響吧主委要說明一下我們現在在全力的在處理這件事情希望我們的銀行針對這三個自住首購跟以何貸的部分我們確保民生需要\n\n7\n00:02:16,302 --> 00:02:31,894\n這個要確保不要造成民心的一個恐慌因為首購包括自住包括已經獲得承諾這個部分他們相對的權益是要給予保障的但是我們來看一下其實就整個購置住宅貸款的餘額比較裡面\n\n8\n00:02:32,955 --> 00:02:48,455\n公股銀行大多數但還是持續的成長出來貸款持續的成長反倒是民間的銀行整個都降低了主委顯然是有些本來民間銀行該貸款出去了反倒現在轉到公股銀行去了主委有什麼樣的看法來處理這件事情\n\n9\n00:02:49,156 --> 00:03:05,754\n其實跟委員報告本來這個房貸的部分關股本來就是主要的他們主要是大宗民營的銀行除了少部分大部分做這個部分的比例都不如關股當然關股在做還有一些政策貸款的部分在內啦我想他們的水位確實比較高\n\n10\n00:03:07,295 --> 00:03:36,415\n我希望主委要去協助啦好不好讓這個必要的一些貸款的部分這個當然打房要進行但是對於一般的貸款特別是首購自住的這些或清安的部分不要讓他們權益受到影響這我們全力來處理我們現在也請也請受刑公司他們也有一些部分的資金也會來投入那再來是很多的自住型的貸款它的成數降低了原來本來貸到七八成後來因為這個影響而降到了六成多這個部分主委有沒有什麼樣處理的方案\n\n11\n00:03:37,215 --> 00:03:49,641\n這個其實主要是另外一個就是我們的信用管制的部分那金管會這邊主政的是我們722條的那個所謂的有關流動性比例的上限的問題\n\n12\n00:03:51,659 --> 00:04:11,817\n我希望接下来有些协助因为有些可能涉及到内政部有一些涉及到其他的部会的部分我希望整体一体来思考不要让整个整体的一些特别是清安或首购的或者是自助的权益受到一些影响最后我问一个银行有用拉长审查的时间来变相拒贷这件事情有没有这样的事情的发生\n\n13\n00:04:12,217 --> 00:04:33,753\n其實跟委員報告我們有事其實最近我們有密集的去了解因為銀行主要是他們比如說他有分行非常的多每個分行都有額度那其實上他們額度在最近如果比較快接近他們內控的上限的時候他們就會控管所以在會有一些排隊的情形我希望主委注意這件事情不要讓他變相的成為一個拉長貸款的時間好不好好謝謝賴委員\n\n","tsv":"start\tend\ttext\n433\t5776\t好 我們下一位請賴瑞榮委員質詢 請四分鐘了好 謝謝召委然後我請那個主計長 陳主計長跟跟金管會的彭主委彭主委 請\n24176\t34605\t我先請教一下主席長好 主席長這一次的追加預算878億但是現在有傳出來說如果要刪掉113億如果這樣刪的話會造成什麼樣的影響\n39184\t57120\t這裡面因為我們878億扣除636就是一般性的補助款之外然後再來就是我們那個原民會的進華補償那還有一個國軍加薪的59億所以它主要的一個項目如果扣除之後呢那有很多大的一個項目是\n58801\t85635\t部會他覺得困難然後要想申請能夠追加的一個部分因為這裡面當初在總預算在三減的時候他三減的一個百分比過高第二個他指定三減之後又不得流用所以造成在執行上所以這兩個因素導致所以我們現在提出來那追加預算裡面有很多也都是基本上包括地方政府的需要甚至於國軍的甚至於外交甚至於軍公教的一些需要是\n86475\t106231\t所以應該是不要設定它的額度應該是就實際上面該給的就給 該刪的就刪我覺得這樣來討論應該是比較我們期盼朝野的立委大家理性來討論不要設定一個額度該刪的就刪 該給的就給以國家整體的發展需要為整體思考好不好是 謝謝委員好 謝謝主席長 謝謝再要請教一下彭主委\n109052\t135391\t現在其實大家也高度在關心住房者的一些房貸的問題之前我有找過來談過首購族跟換屋自住族跟整個已經取得銀行承諾的貸款額度的這些不會受到影響吧主委要說明一下我們現在在全力的在處理這件事情希望我們的銀行針對這三個自住首購跟以何貸的部分我們確保民生需要\n136302\t151894\t這個要確保不要造成民心的一個恐慌因為首購包括自住包括已經獲得承諾這個部分他們相對的權益是要給予保障的但是我們來看一下其實就整個購置住宅貸款的餘額比較裡面\n152955\t168455\t公股銀行大多數但還是持續的成長出來貸款持續的成長反倒是民間的銀行整個都降低了主委顯然是有些本來民間銀行該貸款出去了反倒現在轉到公股銀行去了主委有什麼樣的看法來處理這件事情\n169156\t185754\t其實跟委員報告本來這個房貸的部分關股本來就是主要的他們主要是大宗民營的銀行除了少部分大部分做這個部分的比例都不如關股當然關股在做還有一些政策貸款的部分在內啦我想他們的水位確實比較高\n187295\t216415\t我希望主委要去協助啦好不好讓這個必要的一些貸款的部分這個當然打房要進行但是對於一般的貸款特別是首購自住的這些或清安的部分不要讓他們權益受到影響這我們全力來處理我們現在也請也請受刑公司他們也有一些部分的資金也會來投入那再來是很多的自住型的貸款它的成數降低了原來本來貸到七八成後來因為這個影響而降到了六成多這個部分主委有沒有什麼樣處理的方案\n217215\t229641\t這個其實主要是另外一個就是我們的信用管制的部分那金管會這邊主政的是我們722條的那個所謂的有關流動性比例的上限的問題\n231659\t251817\t我希望接下来有些协助因为有些可能涉及到内政部有一些涉及到其他的部会的部分我希望整体一体来思考不要让整个整体的一些特别是清安或首购的或者是自助的权益受到一些影响最后我问一个银行有用拉长审查的时间来变相拒贷这件事情有没有这样的事情的发生\n252217\t273753\t其實跟委員報告我們有事其實最近我們有密集的去了解因為銀行主要是他們比如說他有分行非常的多每個分行都有額度那其實上他們額度在最近如果比較快接近他們內控的上限的時候他們就會控管所以在會有一些排隊的情形我希望主委注意這件事情不要讓他變相的成為一個拉長貸款的時間好不好好 謝謝賴委員\n","txt":"好 我們下一位請賴瑞榮委員質詢 請四分鐘了好 謝謝召委然後我請那個主計長 陳主計長跟跟金管會的彭主委彭主委 請\n我先請教一下主席長好 主席長這一次的追加預算878億但是現在有傳出來說如果要刪掉113億如果這樣刪的話會造成什麼樣的影響\n這裡面因為我們878億扣除636就是一般性的補助款之外然後再來就是我們那個原民會的進華補償那還有一個國軍加薪的59億所以它主要的一個項目如果扣除之後呢那有很多大的一個項目是\n部會他覺得困難然後要想申請能夠追加的一個部分因為這裡面當初在總預算在三減的時候他三減的一個百分比過高第二個他指定三減之後又不得流用所以造成在執行上所以這兩個因素導致所以我們現在提出來那追加預算裡面有很多也都是基本上包括地方政府的需要甚至於國軍的甚至於外交甚至於軍公教的一些需要是\n所以應該是不要設定它的額度應該是就實際上面該給的就給 該刪的就刪我覺得這樣來討論應該是比較我們期盼朝野的立委大家理性來討論不要設定一個額度該刪的就刪 該給的就給以國家整體的發展需要為整體思考好不好是 謝謝委員好 謝謝主席長 謝謝再要請教一下彭主委\n現在其實大家也高度在關心住房者的一些房貸的問題之前我有找過來談過首購族跟換屋自住族跟整個已經取得銀行承諾的貸款額度的這些不會受到影響吧主委要說明一下我們現在在全力的在處理這件事情希望我們的銀行針對這三個自住首購跟以何貸的部分我們確保民生需要\n這個要確保不要造成民心的一個恐慌因為首購包括自住包括已經獲得承諾這個部分他們相對的權益是要給予保障的但是我們來看一下其實就整個購置住宅貸款的餘額比較裡面\n公股銀行大多數但還是持續的成長出來貸款持續的成長反倒是民間的銀行整個都降低了主委顯然是有些本來民間銀行該貸款出去了反倒現在轉到公股銀行去了主委有什麼樣的看法來處理這件事情\n其實跟委員報告本來這個房貸的部分關股本來就是主要的他們主要是大宗民營的銀行除了少部分大部分做這個部分的比例都不如關股當然關股在做還有一些政策貸款的部分在內啦我想他們的水位確實比較高\n我希望主委要去協助啦好不好讓這個必要的一些貸款的部分這個當然打房要進行但是對於一般的貸款特別是首購自住的這些或清安的部分不要讓他們權益受到影響這我們全力來處理我們現在也請也請受刑公司他們也有一些部分的資金也會來投入那再來是很多的自住型的貸款它的成數降低了原來本來貸到七八成後來因為這個影響而降到了六成多這個部分主委有沒有什麼樣處理的方案\n這個其實主要是另外一個就是我們的信用管制的部分那金管會這邊主政的是我們722條的那個所謂的有關流動性比例的上限的問題\n我希望接下来有些协助因为有些可能涉及到内政部有一些涉及到其他的部会的部分我希望整体一体来思考不要让整个整体的一些特别是清安或首购的或者是自助的权益受到一些影响最后我问一个银行有用拉长审查的时间来变相拒贷这件事情有没有这样的事情的发生\n其實跟委員報告我們有事其實最近我們有密集的去了解因為銀行主要是他們比如說他有分行非常的多每個分行都有額度那其實上他們額度在最近如果比較快接近他們內控的上限的時候他們就會控管所以在會有一些排隊的情形我希望主委注意這件事情不要讓他變相的成為一個拉長貸款的時間好不好好 謝謝賴委員\n","vtt":"WEBVTT\n\n00:00.433 --> 00:05.776\n好我們下一位請賴瑞榮委員質詢請四分鐘了好謝謝召委然後我請那個主計長陳主計長跟跟金管會的彭主委彭主委請\n\n00:24.176 --> 00:34.605\n我先請教一下主席長好主席長這一次的追加預算878億但是現在有傳出來說如果要刪掉113億如果這樣刪的話會造成什麼樣的影響\n\n00:39.184 --> 00:57.120\n這裡面因為我們878億扣除636就是一般性的補助款之外然後再來就是我們那個原民會的進華補償那還有一個國軍加薪的59億所以它主要的一個項目如果扣除之後呢那有很多大的一個項目是\n\n00:58.801 --> 01:25.635\n部會他覺得困難然後要想申請能夠追加的一個部分因為這裡面當初在總預算在三減的時候他三減的一個百分比過高第二個他指定三減之後又不得流用所以造成在執行上所以這兩個因素導致所以我們現在提出來那追加預算裡面有很多也都是基本上包括地方政府的需要甚至於國軍的甚至於外交甚至於軍公教的一些需要是\n\n01:26.475 --> 01:46.231\n所以應該是不要設定它的額度應該是就實際上面該給的就給該刪的就刪我覺得這樣來討論應該是比較我們期盼朝野的立委大家理性來討論不要設定一個額度該刪的就刪該給的就給以國家整體的發展需要為整體思考好不好是謝謝委員好謝謝主席長謝謝再要請教一下彭主委\n\n01:49.052 --> 02:15.391\n現在其實大家也高度在關心住房者的一些房貸的問題之前我有找過來談過首購族跟換屋自住族跟整個已經取得銀行承諾的貸款額度的這些不會受到影響吧主委要說明一下我們現在在全力的在處理這件事情希望我們的銀行針對這三個自住首購跟以何貸的部分我們確保民生需要\n\n02:16.302 --> 02:31.894\n這個要確保不要造成民心的一個恐慌因為首購包括自住包括已經獲得承諾這個部分他們相對的權益是要給予保障的但是我們來看一下其實就整個購置住宅貸款的餘額比較裡面\n\n02:32.955 --> 02:48.455\n公股銀行大多數但還是持續的成長出來貸款持續的成長反倒是民間的銀行整個都降低了主委顯然是有些本來民間銀行該貸款出去了反倒現在轉到公股銀行去了主委有什麼樣的看法來處理這件事情\n\n02:49.156 --> 03:05.754\n其實跟委員報告本來這個房貸的部分關股本來就是主要的他們主要是大宗民營的銀行除了少部分大部分做這個部分的比例都不如關股當然關股在做還有一些政策貸款的部分在內啦我想他們的水位確實比較高\n\n03:07.295 --> 03:36.415\n我希望主委要去協助啦好不好讓這個必要的一些貸款的部分這個當然打房要進行但是對於一般的貸款特別是首購自住的這些或清安的部分不要讓他們權益受到影響這我們全力來處理我們現在也請也請受刑公司他們也有一些部分的資金也會來投入那再來是很多的自住型的貸款它的成數降低了原來本來貸到七八成後來因為這個影響而降到了六成多這個部分主委有沒有什麼樣處理的方案\n\n03:37.215 --> 03:49.641\n這個其實主要是另外一個就是我們的信用管制的部分那金管會這邊主政的是我們722條的那個所謂的有關流動性比例的上限的問題\n\n03:51.659 --> 04:11.817\n我希望接下来有些协助因为有些可能涉及到内政部有一些涉及到其他的部会的部分我希望整体一体来思考不要让整个整体的一些特别是清安或首购的或者是自助的权益受到一些影响最后我问一个银行有用拉长审查的时间来变相拒贷这件事情有没有这样的事情的发生\n\n04:12.217 --> 04:33.753\n其實跟委員報告我們有事其實最近我們有密集的去了解因為銀行主要是他們比如說他有分行非常的多每個分行都有額度那其實上他們額度在最近如果比較快接近他們內控的上限的時候他們就會控管所以在會有一些排隊的情形我希望主委注意這件事情不要讓他變相的成為一個拉長貸款的時間好不好好謝謝賴委員\n\n","segments":[{"start":0.433,"end":5.776,"text":"好 我們下一位請賴瑞榮委員質詢 請四分鐘了好 謝謝召委然後我請那個主計長 陳主計長跟跟金管會的彭主委彭主委 請"},{"start":24.176,"end":34.605,"text":"我先請教一下主席長好 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謝謝再要請教一下彭主委"},{"start":109.052,"end":135.391,"text":"現在其實大家也高度在關心住房者的一些房貸的問題之前我有找過來談過首購族跟換屋自住族跟整個已經取得銀行承諾的貸款額度的這些不會受到影響吧主委要說明一下我們現在在全力的在處理這件事情希望我們的銀行針對這三個自住首購跟以何貸的部分我們確保民生需要"},{"start":136.302,"end":151.894,"text":"這個要確保不要造成民心的一個恐慌因為首購包括自住包括已經獲得承諾這個部分他們相對的權益是要給予保障的但是我們來看一下其實就整個購置住宅貸款的餘額比較裡面"},{"start":152.955,"end":168.455,"text":"公股銀行大多數但還是持續的成長出來貸款持續的成長反倒是民間的銀行整個都降低了主委顯然是有些本來民間銀行該貸款出去了反倒現在轉到公股銀行去了主委有什麼樣的看法來處理這件事情"},{"start":169.156,"end":185.754,"text":"其實跟委員報告本來這個房貸的部分關股本來就是主要的他們主要是大宗民營的銀行除了少部分大部分做這個部分的比例都不如關股當然關股在做還有一些政策貸款的部分在內啦我想他們的水位確實比較高"},{"start":187.295,"end":216.415,"text":"我希望主委要去協助啦好不好讓這個必要的一些貸款的部分這個當然打房要進行但是對於一般的貸款特別是首購自住的這些或清安的部分不要讓他們權益受到影響這我們全力來處理我們現在也請也請受刑公司他們也有一些部分的資金也會來投入那再來是很多的自住型的貸款它的成數降低了原來本來貸到七八成後來因為這個影響而降到了六成多這個部分主委有沒有什麼樣處理的方案"},{"start":217.215,"end":229.641,"text":"這個其實主要是另外一個就是我們的信用管制的部分那金管會這邊主政的是我們722條的那個所謂的有關流動性比例的上限的問題"},{"start":231.659,"end":251.817,"text":"我希望接下来有些协助因为有些可能涉及到内政部有一些涉及到其他的部会的部分我希望整体一体来思考不要让整个整体的一些特别是清安或首购的或者是自助的权益受到一些影响最后我问一个银行有用拉长审查的时间来变相拒贷这件事情有没有这样的事情的发生"},{"start":252.217,"end":273.753,"text":"其實跟委員報告我們有事其實最近我們有密集的去了解因為銀行主要是他們比如說他有分行非常的多每個分行都有額度那其實上他們額度在最近如果比較快接近他們內控的上限的時候他們就會控管所以在會有一些排隊的情形我希望主委注意這件事情不要讓他變相的成為一個拉長貸款的時間好不好好 謝謝賴委員"}]}}},"gazette":{"lineno":146,"blocks":[["賴委員瑞隆：（9時34分）謝謝召委，請陳主計長跟金管會彭主委。"],["主席：請陳主計長、彭主委。"],["陳主計長淑姿：委員好。"],["賴委員瑞隆：主計長好。我先請教一下主計長，這一次的追加預算是878億，但是現在有傳出來說要刪掉113億，如果這樣刪的話會造成什麼樣的影響？"],["陳主計長淑姿：878億裡面扣除636億的一般性補助款之外，再來就是原民會的禁伐補償，還有國軍加薪的59億。所以在它主要的項目被扣除之後，有很多大的項目是部會覺得執行困難要申請追加的部分，因為當初總預算在刪減的時候，刪減的百分比過高。第二個，它指定刪減之後又不得流用，所以造成在執行上有很大的困難。"],["賴委員瑞隆：所以是這兩個因素導致的。我們現在提出來，追加預算裡面有很多基本上也都是地方政府的需要，甚至是國軍、外交、軍公教的一些需要。"],["陳主計長淑姿：是。"],["賴委員瑞隆：所以應該是不要設定它的額度，就實際來看，該給的就給，該刪的就刪，我覺得這樣來討論應該是比較適當，我們也期盼朝野立委大家理性來討論。"],["陳主計長淑姿：我們也是希望這樣子。"],["賴委員瑞隆：不要設定一個額度，該刪的就刪，該給的就給，以國家整體發展的需要為整體思考，好不好？"],["陳主計長淑姿：是，謝謝委員。"],["賴委員瑞隆：主計長謝謝。最後要請教一下彭主委。"],["彭主任委員金隆：委員好。"],["賴委員瑞隆：現在其實大家也都高度在關心住房者的一些房貸問題，之前我也有找過來談過，首購族、換屋自住族跟已經取得銀行承諾貸款額度的族群，不會受到影響吧？主委來說明一下。"],["彭主任委員金隆：我們現在全力在處理這件事情，希望銀行針對這三個──自住、首購跟已核貸的部分保障，我們一定要確保民生需要。"],["賴委員瑞隆：這個要確保啦！不要造成民心的恐慌。"],["彭主任委員金隆：是的。"],["賴委員瑞隆：因為首購，包括自住、已經獲得承諾的部分，其實他們的權益相對是要給予保障的。但是我們來看一下，其實就整個購置住宅貸款的餘額比較分析表來看，公股銀行大多數都還是持續成長，貸出來的貸款持續成長，反倒是民間的銀行整個都降低了，顯然有些是本來民間銀行該貸款出去的，反倒現在轉到公股銀行去了，主委有什麼樣的看法可以來處理這件事情？"],["彭主任委員金隆：跟委員報告，房貸的部分官股本來就是主要的大宗，民營的銀行除了少部分外，大部分的業者做這個部分的比例都不如官股，當然官股在做的還有一些政策貸款的部分在內，我想他們的水位確實比較高，比民營的……"],["賴委員瑞隆：我希望主委也要去協助，好不好？讓必要的一些貸款……"],["彭主任委員金隆：是的。"],["賴委員瑞隆：當然，打房要進行，但是對於一般的貸款，特別是首購、自住的這些民眾或青安的部分，不要讓他們的權益受到影響。"],["彭主任委員金隆：這個我們全力來處理，現在壽險公司也有部分的資金會投入。"],["賴委員瑞隆：再來是很多自住型的貸款成數降低了，本來貸到七、八成，後來因為受到這個影響而降到了六成多，這個部分主委有沒有什麼樣的處理方案？"],["彭主任委員金隆：這個其實主要是涉及另外一個，就是我們信用管制的部分，金管會這邊主政的是第七十二條之二，有關流動性比例上限的問題。"],["賴委員瑞隆：我希望接下來能協助啦！因為有些可能涉及到內政部，也有一些涉及到其他部會的部分，但我希望能整體來思考，不要讓一些族群，特別是青安或首購的，或者自住者的權益受到影響。"],["彭主任委員金隆：會。"],["賴委員瑞隆：最後我再問一個問題，銀行有沒有用拉長審查時間的方式來變相拒貸？有沒有發生這樣的事情？"],["彭主任委員金隆：跟委員報告，其實我們最近有密集地去了解，銀行的狀況主要是，比如它分行非常的多，每個分行都有額度，所以近期如果他們的額度比較接近內控上限的時候，他們就會控管，所以會有一些排隊的情形。"],["賴委員瑞隆：我希望主委注意這件事情。"],["彭主任委員金隆：是的，我們會。"],["賴委員瑞隆：不要讓它變相成為拉長貸款時間的方式，好不好？"],["主席：好，謝謝賴委員的質詢。","下一位請郭國文委員質詢。"]],"agenda":{"page_end":290,"meet_id":"聯席會議-11-3-20,15,35,19,22,23,36,26-1","speakers":["賴士葆","林德福","吳秉叡","陳亭妃","賴瑞隆","郭國文","林思銘","李昆澤","李柏毅","黃國昌","柯志恩","萬美玲","鄭正鈐","洪孟楷","張智倫","賴惠員","鍾佳濱","吳沛憶","張啓楷","王育敏","張宏陸","劉書彬","王世堅","黃秀芳","林俊憲","李坤城","李彥秀","蘇巧慧","鄭天財Sra 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