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大家共同的一個努力的目標所以在這裡再請教就是"},{"start":436.286,"end":455.932,"text":"你覺得打炒房的力道可不可以更大?我想我們還是密切的注意它,滾動式的檢討。至於力道是不是可以再更大,我想我們檢討之後滾動式檢討再做決定。"},{"start":460.794,"end":479.964,"text":"提醒你,就是說其實如果我們從2022年的第二季再下一頁到2023的第一季其實我們從這張圖裡頭我們有看到了就是說你的第四波到第五波到第六波其實在第五波這一個信用管制裡頭它明顯是有降下來"},{"start":484.246,"end":497.935,"text":"可是他到2023年的那個就是等於是8月到2024年的那個Q2黃價又上去了為什麼大家就認為是被新清安害了那你個人的看法怎麼樣"},{"start":498.925,"end":526.273,"text":"我覺得應該也可以應該也就是說是有幾個因素新青安可能也是讓這個需求增加的一個因素之一那時候的經濟非常好又負輸上來那股市也表現得非常好我想這些都是因素那是不是好啦那你顯然就是說這樣子的一個看法其實"},{"start":527.56,"end":546.771,"text":"我們都認為總裁的看法事實上是非常精準可是有一點趨於保守就像美國現在已經進入降息的一個循環那央行的一個決策其實是大家關心的在這個關心的過程裡頭其實我們也覺得央行是兩難像美國啟動了降息的循環你要不要跟?"},{"start":549.472,"end":563.077,"text":"所以這個委員問得很好就是說我們也是在密切的注意他因為有些時候美國是大經濟體那台灣的情況又跟美國的情況有一點不大一樣"},{"start":565.259,"end":581.04,"text":"所以我們是不是一定要跟美國有些時候是第一個可能是不一定第二個我們的利率的政策也是要受到國際因素的影響"},{"start":582.802,"end":598.676,"text":"所以這個就是說必須要去權衡他所以我一直在講說你會兩難嘛你要配合國際的情勢的變化那這12月這個審慎你要評估你這個策略你看喔你這個在報告裡頭你寫得特別的清楚喔"},{"start":599.116,"end":604.702,"text":"你認為說從113年的7月29號那就是說對美金的那個匯率那我們從32.87那已經升值到32.168所以你報告裡頭寫得很清楚所以我們就一直在想說好那"},{"start":618.436,"end":636.079,"text":"你一直在強調就在強調說你一股在這裡要跟總裁做一個在探討就是說這個現有的現有的數據其實你是難以反映民眾的體感的通報就是說每一個人都感受得到就是說"},{"start":637.523,"end":638.784,"text":"所以呢也就是說委員呢"},{"start":667.182,"end":690.511,"text":"中央銀行所有全球的中央銀行它的衡量的就像我們中央台灣的中央銀行一樣的都是用2%的這個齁那是全部的項目放進去的那委員現在所強調的比較像說17項的那些民生用品還有就是說每個月至少購買一次的那些都是還是很高我講的就是現況的通貨所以就是說針對"},{"start":693.772,"end":715.84,"text":"是不是總裁針對近5年的消費者的物價指數的上漲跟近年的貨幣的一個政策的影響我希望在一個業內你提出一個報告、一個証詢好不好?光是我們這些退休的老人啦,他就是說你這個升息才能照顧到我們這些存款組好不好?好,謝謝,謝謝謝謝賴慧雲指詢接著我們請李燕秀委員指詢"},{"start":730.505,"end":730.646,"text":"說要有獎"}]},"gazette":{"lineno":410,"blocks":[["賴委員惠員：（10時10分）謝謝主席，請楊總裁。"],["主席：有請楊總裁。"],["楊總裁金龍：賴委員早。"],["賴委員惠員：總裁早安。從去年7月開始，因應近年全球的通膨、房價的上揚還有升息的趨勢，所以我們推出了所謂的新青安貸款精進方案。可是關於這個精進措施，我們從左邊這張圖來看，以前是800，現在把貸款的額度調高為1,000萬；在利息補貼上，公股銀行減半碼，現在是加碼到1.5碼；貸款年限也是從30年調升到40年；寬限期是從3年到5年；實施的日期就是到2026年7月31號，應該是說截止的日期，在這裡要特別請教一下總裁，你知道新青安也可以團購嗎？這個情形你聽過嗎？"],["楊總裁金龍：關於新青安……團購我當然也聽過……"],["賴委員惠員：你聽過？"],["楊總裁金龍：不過它可以團購，這個我就沒有聽過。"],["賴委員惠員：不是，它是團購，就是所有我們在新青安這一些案子裡頭，我們看到很明顯，這個團購是大家一起買，但其實是在炒房，這個情形非常的嚴重，其實我們從銀行的貸款資料裡可以很明顯的看出來，所以在這裡特別以臺北市今年第一期的各區房價，跟去年第一期相比的話，成長了5到8%，我們非常明顯看到房價被推高了。"],["楊總裁金龍：是。"],["賴委員惠員：好，來講我們臺南，臺南的漲幅更明顯了，我如果講北部人到南部來炒房的話，我從一些數據、一些模型裡，我們可以很簡單的去看到確實是這個樣子，南部在這一波裡，從去年7月到現在，房價越來越高，在比較偏山區或是偏海邊的本來還有800萬的房子，可是現在顯然所有的房價都上來了，都是1,200萬。所以在這裡我特別要請教總裁，你的第七波選擇性信用管制，一次來執行這六大措施的時候，這個最大動作的打炒房，你個人認為有沒有效？我看你剛才跟幾位委員的探討，你講這是要評估嘛？"],["楊總裁金龍：對，是啦！委員指教的對啦！我們會做這樣的一個……當然我們報告裡面也有一些說明，至於會不會有成效，當然短時間裡我們看不出來，不過我要跟委員報告的是，在預期心理那麼強烈的情況之下，第一個，我們必須要把這個預期心理扭轉回來，這個是最重要的，如果你不扭轉回來，這樣後面所謂的成效就很難去說、很難去評估啦！也就是說，第一波是不是能夠讓它冷卻、把房地產市場的預期心理cool down下來，這個是最重要的，如果它能夠慢慢下來的話，那是最好。"],["賴委員惠員：當然，我們也希望是這樣子。"],["楊總裁金龍：是。"],["賴委員惠員：總裁我再請教你，依我們國家金融市場的規模，在這一次的信用性管制措施裡頭，你認為有多少資金受到限制，有多少錢，你認為呢？"],["楊總裁金龍：什麼？"],["賴委員惠員：你認為呢？"],["楊總裁金龍：有多少錢……"],["賴委員惠員：算得出來嗎？你們央行有去評估嗎？"],["楊總裁金龍：我們可以看出集中度，現在集中度是在37.5左右嘛？"],["賴委員惠員：對。"],["楊總裁金龍：剛剛因為前面的郭委員也有談到這個37.5是不是會下來，因為他會覺得……現在新青安一年有6,000億，還有建築的融資，這個要下來恐怕還有包括30%的這個，要讓它下來恐怕不大容易，我個人也覺得在短期間不大容易，但是它會慢慢的調整。"],["賴委員惠員：郭委員之前的質詢跟你提示得非常好，你也認為它會定在30%，就下不來了。"],["楊總裁金龍：是。"],["賴委員惠員：30%就下不來了？"],["楊總裁金龍：對，會有一段時間啦！"],["賴委員惠員：你剛剛也有特別講到不明確，你覺得三個月後我們是不是會看到抑制房價有小小的效果？還是說要到明年底？你個人的看法呢？"],["楊總裁金龍：我剛剛也是在講，就是要看看整個預期的心理是不是能夠扭轉啦！在這一段短時間之內是不是能夠扭轉回來，扭轉回來以後可能就會看到房價慢慢下跌的一個現象，軟著陸。"],["賴委員惠員：可是你的「金龍海嘯」……"],["楊總裁金龍：至於要幾個月，我不敢在這邊做預測。"],["賴委員惠員：那你的預估呢？你看你這個「金龍海嘯」已經把……9月份的買方非常明顯有下降。"],["楊總裁金龍：就是讓市場的熱度能夠把它冷卻下來啦！"],["賴委員惠員：所以你也認為央行要共同來負責管理房市啦！不管是財政部還是金管會……"],["楊總裁金龍：對，還有內政部、金管會。"],["賴委員惠員：對，所以目前起碼是走在一個對的路上、有效果的路上？"],["楊總裁金龍：是，我們希望就朝這個方向走啦！對啦！"],["賴委員惠員：好，謝謝啦！我想這三類人群其實也得到了一個很大的豁免解決的方案啦！"],["楊總裁金龍：是。"],["賴委員惠員：不管是繼承還是第一次換屋需求須切結，還是已經簽約了即將申貸的這一些百姓，我們事實上就是應該要來做一個解決的方式，我們一定要補破網，我們要避免炒房重新再上演，這個是大家共同努力的一個目標，所以再請教總裁，你覺得打炒房的力道可不可以更大？"],["楊總裁金龍：我想我們還是密切的注意它，並滾動式的檢討，至於力道是不是可以再更大，我想我們檢討之後，我們會滾動式檢討再做決定。"],["賴委員惠員：總裁，我在這裡再提醒你啦！如果我們從2022年的第二季到2023的第一季，其實從這張圖裡頭我們有看到你的第四波到第五波到第六波，其實在第五波這一個信用管制裡頭，它明顯有降下來。"],["楊總裁金龍：對。"],["賴委員惠員：可是它到2023年8月到2024年的Q2，房價又上去了，為什麼？大家就認為是被新青安害的，你個人的看法是怎麼樣？"],["楊總裁金龍：我覺得應該有幾個因素，新青安可能也是讓需求增加的因素之一，那時候的經濟非常好，又復甦上來，股市也表現得非常好，我想這些都是因素。"],["賴委員惠員：好啦！顯然就是說這樣子的一個看法，我們都認為總裁的看法事實上非常精準，可是有一點趨於保守，就像美國現在已經進入降息的一個循環，其實大家都關心央行的決策，在這個關心的過程裡頭，其實我們也覺得央行是兩難，像美國啟動了降息的循環，你要不要跟？"],["楊總裁金龍：委員問得很好，我們也是在密切的注意它，因為有些時候美國是大經濟體，那臺灣的情況又跟美國的情況有一點不大一樣。"],["賴委員惠員：是啊！你也怕影響到出口……"],["楊總裁金龍：所以我們是不是一定要跟美國，這個有些時候是……第一個，可能是不一定，第二個，我們的利率政策也會受到國際因素的影響……"],["賴委員惠員：是啊！沒有錯。"],["楊總裁金龍：也是會受到國際因素，所以這個必須要去權衡它。"],["賴委員惠員：所以我一直在講你會兩難嘛！"],["楊總裁金龍：是，沒有錯。"],["賴委員惠員：你要配合國際情勢的變化，12月要審慎評估這個策略，你看，你在報告裡頭寫得特別的清楚，你認為從113年7月29號，對美金的匯率從32.87已經升值到32.168，你報告裡頭寫得很清楚。"],["楊總裁金龍：對，沒有錯。"],["賴委員惠員：所以我們就一直在想說，好，你一直在強調說你預估，本席在這裡要跟總裁做一個再探討，現有的數據其實難以反映民眾體感的通膨，就是每一個人都感受得到通貨膨脹非常的嚴重，可是在央行的很多的政策裡頭，顯然感受不出來，所以你是不是要考慮繼續升息才能解決呢？"],["楊總裁金龍：我跟委員報告，委員問的這個問題非常好，低所得者還有一般普羅大眾跟中央銀行衡量的CPI的情況不大一樣，也就是說全球的中央銀行，它衡量的就像我們臺灣的中央銀行一樣，都是用2%，把全部的項目放進去，委員現在所強調的比較像17項的那些民生用品，還有每個月至少購買一次的那些都還是很高。"],["賴委員惠員：對，我講的就是現況的通膨。"],["楊總裁金龍：對。"],["賴委員惠員：所以總裁，是不是針對近5年消費者物價指數的上漲跟近年貨幣政策的影響，我希望你在一個月內提出一個分析報告，好不好？"],["楊總裁金龍：好，謝謝。"],["賴委員惠員：不然，我們退休的老人就是說升息才能照顧到他們這些存款族，好不好？"],["楊總裁金龍：好，謝謝。"],["主席：謝謝賴惠員委員。","接著請李彥秀委員質詢。"]],"agenda":{"page_end":388,"meet_id":"委員會-11-2-20-2","speakers":["賴惠員","林德福","吳秉叡","陳玉珍","賴士葆","郭國文","李彥秀","李坤城","顏寬恒","王世堅","黃珊珊","羅明才","伍麗華Saidhai‧Tahovecahe","邱志偉","王鴻薇","楊瓊瓔"],"page_start":341,"meetingDate":["2024-10-17"],"gazette_id":"1138501","agenda_lcidc_ids":["1138501_00006"],"meet_name":"立法院第11屆第2會期財政委員會第2次全體委員會議紀錄","content":"一、邀請中央銀行楊總裁金龍率所屬單位主管暨財金資訊股份有限公司董事長列席業務報告，並\n備質詢；二、邀請中央銀行楊總裁金龍就「第七波選擇性信用管制之配套措施」進行專題報告，\n並備質詢","agenda_id":"1138501_00005"}}},"supported_relations":[],"relations":[]}