{"error":false,"id":["153716"],"data":{"IVOD_ID":153716,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/153716","日期":"2024-06-06","會議資料":{"會議代碼":"委員會-11-1-20-16","會議代碼:str":"第11屆第1會期財政委員會第16次全體委員會議","屆":11,"會期":1,"會次":16,"臨時會會次":null,"種類":"委員會","委員會代碼":[20],"委員會代碼:str":["財政委員會"],"標題":"第11屆第1會期財政委員會第16次全體委員會議"},"影片種類":"Clip","開始時間":"2024-06-06T10:56:05+08:00","結束時間":"2024-06-06T11:03:33+08:00","影片長度":"00:07:28","支援功能":["ai-transcript","gazette"],"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 - 11:03:33","會議時間":"2024-06-06T09:00:00+08:00","會議名稱":"立法院第11屆第1會期財政委員會第16次全體委員會議（事由：邀請中央銀行楊總裁金龍就「日圓貶值效應會否導致亞洲貨幣競貶，及對台灣經濟影響」進行專題報告，並備質詢；另邀請經濟部列席備詢。\n【6月3日及6日二天一次會】）","gazette":{"lineno":607,"blocks":[["黃委員珊珊：（10時56分）謝謝主席，我請總裁。"],["主席：請楊總裁。"],["楊總裁金龍：黃委員早。"],["黃委員珊珊：總裁早。我想今天很高興能夠再看到總裁來報告相關的……"],["楊總裁金龍：我也很高興，很高興看到……"],["黃委員珊珊：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。"],["楊總裁金龍：好，謝謝。"],["黃委員珊珊：第一個，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，民眾購屋負擔增加，所以總裁你覺得現在的房市熱絡是好事還是壞事？"],["楊總裁金龍：如果說……"],["黃委員珊珊：是好事？"],["楊總裁金龍：是，如果說它是基本面所支撐的，那就是好事；如果說是炒作出來的，那就不好。"],["黃委員珊珊：所以我記得上次在質詢您的時候，政府提出了平均地權條例，希望能夠打房，但是同時在大選期間又推出了新青安貸款，這兩個政策某個程度來說其實是有點自相矛盾。房市不斷的飆高，當然股票也飆高，表示臺灣內部的經濟狀況是不錯的，錢只能拿去買股、炒房，不然要做什麼？另外就是投資詐騙一大堆，所以我的問題是房市熱絡，新青安貸款有沒有所謂的帶動這一波房市炒作的原因？"],["楊總裁金龍：這個就是……"],["黃委員珊珊：預期心理一定有啦！"],["楊總裁金龍：預期心理當然是有啦！那這個就是說……"],["黃委員珊珊：因為大家都覺得再不買就會更貴，所以趕快去買，尤其是新青安貸款在4月份單個月就6,879戶，貸款了五百多億，總共現在已經到5萬3,000戶，總金額已經四千多億，所以接下來看起來房市沒有辦法冷卻，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？"],["楊總裁金龍：是，我跟委員報告，從選擇性信用管制之後，我們都一直在每次的理監事會的時候……"],["黃委員珊珊：所以會不會再做一次不動產貸款的金檢？"],["楊總裁金龍：我們都會討論它，這個議題我也相信這一次我們還是會討論。"],["黃委員珊珊：是，你們以前會對不動產貸款的專案金檢，跟金管會？"],["楊總裁金龍：對。"],["黃委員珊珊：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，甚至有轉租的現象，我們已經要求財政部去勾稽，如果有任何轉租的情況就必須要處理。第二個，民間的大型民營銀行，因為抵不過新青安貸款，所以現在有非常多40年的貸款，而且最高成數可以貸到九成，可能對於整個貸款的市場，我覺得總裁也要稍作注意，避免造成信用氾濫……"],["楊總裁金龍：好，我想委員的建議我們會更積極地來做金檢。"],["黃委員珊珊：所以我會覺得說下一波你要好好的盯緊這個部分，因為畢竟政府的資產、資源不應該成為炒作房市的幫兇，好不好？"],["楊總裁金龍：是，謝謝。"],["黃委員珊珊：這是第一點。第二點，我有看到今天總裁的報告，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，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低利率、低通膨、低成長的經濟困境，也就是30多年失落的日本，其實就是臺灣的前車之鑑。我也看到我們雖然現在還是經濟成長，相對於日本是好很多，但是我也看到你們的報告裡面，3月份理監事會議是說，其實最嚴重的是快速進展的少子化跟高齡化，人口結構的變化影響經濟的成長。"],["楊總裁金龍：是。"],["黃委員珊珊：所以失落的日本，我們將在30年後──2052年，我們相關人口老化的速度會比日本還快。"],["楊總裁金龍：對。"],["黃委員珊珊：這種狀況非常嚴重吧！"],["楊總裁金龍：是。"],["黃委員珊珊：所以總裁，你有什麼建議？人口轉變、工作人口還有我們的衝擊會比日本還大，我看了真的是膽顫心驚，總裁怎麼建議？"],["楊總裁金龍：對，少子化不只有臺灣是這樣啦！好像是很多……"],["黃委員珊珊：對，世界的趨勢。"],["楊總裁金龍：特別是先進國家……"],["黃委員珊珊：所以如果你已經看到了2052年，我們的衝擊會比日本更大，那現在我們該做些什麼？"],["楊總裁金龍：所以各個相關的部會包括……我們舉一個很簡單的例子，包括我們的學校……"],["黃委員珊珊：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。"],["楊總裁金龍：對、對、對。你的勞力要怎麼來因應？那當然……"],["黃委員珊珊：將來的經濟成長已經不是匯率跟貨幣的問題。"],["楊總裁金龍：對、對、對。"],["黃委員珊珊：而是人口紅利的問題、有沒有生產力的問題、工作年齡人口的實質變化。"],["楊總裁金龍：沒有錯、沒有錯。"],["黃委員珊珊：壯世代要工作，年輕的世代要有新的教育方式，然後因應世界產業的變化要有不同的學習方法。"],["楊總裁金龍：我非常同意委員的看法。"],["黃委員珊珊：但是總裁，我不是官員，您是官員，您也會參加行政院院會。我認為這件事情，在您的報告都已經預計30年後，我們將面對現在日本這個考古題，而日本這個考古題，就像剛剛講的，我們不能再用所謂的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。"],["楊總裁金龍：對。"],["黃委員珊珊：所以總裁，我們希望政府應該及早因應，您在行政院院會，我相信也是備受肯定的首長。"],["楊總裁金龍：謝謝。"],["黃委員珊珊：未來應該是給新政府一個很重要的規劃，30年後的臺灣會比現在日本衝擊更大，這個事實要讓國人都知道，最重要的是現在要做什麼準備，可能總裁也必須提出有前瞻性的規劃。"],["楊總裁金龍：是。"],["黃委員珊珊：而不是單純的只是提供貨幣或者是匯率的問題。"],["楊總裁金龍：謝謝委員的指教。"],["黃委員珊珊：我也希望您給我一個針對這個部分您有什麼樣的建議，然後我們也可以拿出來跟行政院做要求，好嗎？"],["楊總裁金龍：好，可以。"],["黃委員珊珊：謝謝總裁。"],["主席：下一位請伍麗華伍委員。"]],"agenda":{"page_end":274,"meet_id":"委員會-11-1-20-16","speakers":["羅明才","林德福","吳秉叡","賴士葆","郭國文","賴惠員","顏寬恒","李彥秀","王鴻薇","李坤城","黃珊珊","伍麗華Saidhai‧Tahovecahe","王世堅","羅明才","林楚茵","廖先翔","謝衣鳯","葉元之","陳玉珍"],"page_start":229,"meetingDate":["2024-06-06"],"gazette_id":"1135801","agenda_lcidc_ids":["1135801_00004"],"meet_name":"立法院第11屆第1會期財政委員會第16次全體委員會議紀錄","content":"邀邀請中央銀行楊總裁金龍就「日圓貶值效應會否導致亞洲貨幣競貶，及對台灣經濟影響」進行\n專題報告，並備質詢；另邀請經濟部列席備詢","agenda_id":"1135801_00003"}},"transcript":{"pyannote":[{"speaker":"SPEAKER_01","start":0.50346875,"end":2.32596875},{"speaker":"SPEAKER_00","start":3.25409375,"end":3.99659375},{"speaker":"SPEAKER_00","start":9.51471875,"end":10.645343750000002},{"speaker":"SPEAKER_01","start":10.814093750000001,"end":16.85534375},{"speaker":"SPEAKER_00","start":15.57284375,"end":18.188468750000002},{"speaker":"SPEAKER_01","start":17.63159375,"end":25.69784375},{"speaker":"SPEAKER_00","start":25.54596875,"end":26.33909375},{"speaker":"SPEAKER_01","start":26.54159375,"end":37.74659375},{"speaker":"SPEAKER_00","start":30.996593750000002,"end":31.097843750000003},{"speaker":"SPEAKER_00","start":35.35034375,"end":35.41784375},{"speaker":"SPEAKER_01","start":38.30346875,"end":42.58971875},{"speaker":"SPEAKER_00","start":43.36596875,"end":44.09159375},{"speaker":"SPEAKER_00","start":44.243468750000005,"end":45.57659375},{"speaker":"SPEAKER_00","start":46.48784375,"end":51.094718750000006},{"speaker":"SPEAKER_00","start":51.516593750000006,"end":57.962843750000005},{"speaker":"SPEAKER_01","start":51.56721875,"end":51.58409375},{"speaker":"SPEAKER_01","start":51.60096875,"end":52.91721875},{"speaker":"SPEAKER_01","start":54.50346875,"end":55.853468750000005},{"speaker":"SPEAKER_01","start":57.962843750000005,"end":82.65096875},{"speaker":"SPEAKER_00","start":80.11971875,"end":80.20409375},{"speaker":"SPEAKER_01","start":82.88721875,"end":87.86534375000001},{"speaker":"SPEAKER_01","start":88.10159375,"end":90.31221875},{"speaker":"SPEAKER_01","start":91.02096875000001,"end":95.49284375},{"speaker":"SPEAKER_01","start":96.33659375,"end":98.02409375},{"speaker":"SPEAKER_00","start":98.02409375,"end":98.04096875},{"speaker":"SPEAKER_01","start":98.04096875,"end":98.12534375},{"speaker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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"}]}},"supported_relations":[],"relations":[]}