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﹏﹏"},{"start":198.797,"end":225.744,"text":"做一個這個這個協調這個溝通那現在總統跳出來說沒有現代沒有現代令這個就是自己就打自己的臉嗎因為因為報告委員就是說我記得我記得很清楚院長跟總統呢他在講就是說沒有現代令他說官方沒有現代令的這個事情因為剛剛我解釋的就是說現代令是"},{"start":226.704,"end":251.662,"text":"各個銀行因為銀行法72條之二的一個限制他們自己來所做的一個措施那這個跟政府、行政院、跟總統、跟中央銀行沒有關係的是沒有關係的所以我當然希望每一個年輕人都能夠擁有自己的房子但是不是靠著說去"},{"start":253.684,"end":267.154,"text":"拜訪成數或拉高上限用這種方法去鼓勵年輕人買房那寬限期過了過了之後造成後面的我們無法想像會什麼情況這因為我們擔憂的嘛所以拜託請這位總裁有機會跟總理講不要再這樣子的"},{"start":273.539,"end":296.037,"text":"拜託不要亂說,不然他會說你沒錢你做的這個工作然後又要來扮黑臉來收拾產局當然也要跟財政部講因為這個政策帶給你們很大的困擾那我們祭出第七波的信用管制是因為資金過度流入不動產的一個風險是巨大的所以我們從很多的國家我們可以看到這個房市泡沫化的產礦"},{"start":297.421,"end":318.353,"text":"好的央行能夠頂住壓力本席很肯定我們楊總裁能夠預視到未來可能發生的風險及時提出因應措施但是也因為提出的狀況過於急躁導致於說這項政策有不少無辜的民眾被捲入其中這你不否認"},{"start":322.848,"end":349.197,"text":"受到相關的限制我有看到央行在10月9日發布的第七波信用管制的一個配套那裡面有三大內容就是說包括這個繼承取得房屋及房貸還有實質換入需求已經與這個金融機構竊解約定的還有自然人已簽訂購屋合約然後即將申辦貸款的這個都排除適用所以就是說"},{"start":350.797,"end":371.47,"text":"拜託反應夠快,反應夠快,但是我要說的就是說雖然這一次我們能夠在短時間內來想出這些配套的方法但是問題是說民眾的心裡因為我們就是要政策要安定政策要可以期待要讓人民可以放心所以說在"},{"start":372.31,"end":389.66,"text":"在制定政策的時候事先在問題建構的階段就應該把這些利害相關都考慮其中不然到後面事後發現來做事後的補救老實講這個是事倍功半啦會得到這個民眾反而會失去信心"},{"start":391.221,"end":419.696,"text":"打掃房的確是維持經濟穩定的一個重要措施那尤其是現今我們的房市過熱那房價高漲泡沫化的這個風險這個漸漸升高的情況之下所以央行跟政府有責任透過一個審慎的政策干預來避免過度的投機行為導致的危機所以這不是短期的行為是一個需要全盤考量"},{"start":420.676,"end":442.07,"text":"續持失利的一個長期的戰略那政策的穩定性最重要我要在這邊再提醒總裁朝夕另改會使市場混亂我們一直在提醒那如果認為政策確實會動搖民心我們就要提出建言要提出要求"},{"start":443.451,"end":464.87,"text":"所以我想在未來在設計打房措施的時候我們的可預見性跟透明性這個部分政策的制定打草房不應該只是針對某一個群組或者是暫時性的市場波動是一個持續監管跟調節市場的一種手段一種方法"},{"start":465.951,"end":478.319,"text":"我想能夠回應市場的變化跟民眾的需求才能夠真正體現整體經濟的一個平衡的發展因為時間有限我想就再請教總裁一個問題就是這個CBDC數位貨幣的議題"},{"start":484.003,"end":505.692,"text":"上個會期我就跟你探討過CBDC的進度那CBDC涉及到許多利害關係人那同時也是需要跨部會的一個技術合作那這為了跟上全球化世界的步伐所以我知道這項技術不能貿然倉促的上路一定要考慮完整完善"},{"start":506.392,"end":532.089,"text":"那在上個會期以及你們這一次的業務報告書裡面本期都有看到你們除行平台會先與速發部進行合作那未來政府機關會透過速發部的平台發放這個數位券那請問總裁數位券的功能是什麼是哪些人是這除行平台的主要用戶那因為平台是除行代"},{"start":533.629,"end":556.923,"text":"應該不會是全民都能夠使用所以我想要請利用一點點時間總裁可以為我們說明一下我初步我先跟委員報告事實上數位券就是說數位券包括委員我們有兩次的那個消費券有沒有消費券那個時候呢消費券是資本的"},{"start":557.799,"end":574.15,"text":"那如果說我們把這個資本的消費券呢把它變成數位化那來協助政府呢來發放那這樣的話會省時間而且呢我們如果按照我們的這個平台來講的話呢我們那個平台它的容量呢會足夠的來應付它"},{"start":575.331,"end":575.351,"text":"拜訪議員"},{"start":593.462,"end":621.455,"text":"總裁在發行數位貨幣上包含數位券還有其他的部分對希望央行能夠舉辦更多的這樣子的一個公聽會我們公聽會、說明會還有那個論壇我們都會然後納入更多元的意見是是是利害關心人之間多一個意見的交換我們會我們會政府DC可以上路可以順利是好謝謝謝謝委員鼓勵好謝謝坤衡委員那接著請王世堅委員"}]},"gazette":{"lineno":664,"blocks":[["顏委員寬恒：（10時47分）主席、各位列席官員，大家好。主席，有請央行楊總裁。"],["主席：好，請總裁。"],["楊總裁金龍：委員早。"],["顏委員寬恒：總裁早。總裁，現在民眾最關心的就是央行理監事會決議宣布的第七波房市信用管制，雖是用來抑制炒房，卻引發了金融風暴。根據銀行法第七十二條之二規定，商業銀行辦理住宅建築及企業建築放款之總額，不得超過30%，主要是在防止金融機構因為過度放貸引發系統性風險。總裁，你在8月中及9月初時邀請各銀行高管就不動產集中度過高進行檢討，要求銀行提出不動產貸款總量的方案，這一波被外界解釋為限貸令，但是賴總統隨即跳出來說沒有限貸令，央行只是提醒而非要求。請教總裁，賴總統的這個說法是不是在打央行的臉？你們前面才說要就不動產貸款總量進行檢討方案，總統後腳就直接跳出來說你們這樣的因應措施過當，你有沒有覺得……"],["楊總裁金龍：沒有，他沒有說我們的因應過當，而是說……限貸令的部分，這個我們也向外解釋了幾次，所謂限貸令是因為根據第七十二條之二規定，各個銀行已經快到達30%的警戒值，大概到28%就要警戒了，因為到達28%的時候，資源就只剩下一點點，必須要做一些資源的分配，因此他們做了自主性限制。限貸令是銀行做的，不是政府做的，所以總統跟院長才會說：沒有，政府沒有所謂的限貸令……"],["顏委員寬恒：好，總裁，我在這邊要很直白的說，會讓你們這麼頭痛，要你們扮黑臉，主要根本原因就在新青安，對不對？新青安放款到現在超過40%、超過六千多億，對不對？"],["楊總裁金龍：不過我們也要……"],["顏委員寬恒：沒關係，我跟你說，新青安有5年寬限期，所以昨天財政部長也說了，大概有超過百分之二十幾的部分是所謂的5年寬限期，其他部分不在這5年之內，有3年等等，我要說的是，這樣的情況，導致很多沒有辦法負擔的人也跟著一起貸，就是沒有衡量自己的能力或者怎麼樣，當然，我們希望每個人都能夠買到自己的房子，每個青年都能夠完成他們的夢想，但是這麼多人一起貸，銀行的錢當然不夠，所以說新青安造成銀行放貸房地產的比例過高，央行才做出警示，然後跟這些銀行做協調、溝通，現在總統跳出來說沒有限貸令，這就是自己打自己的臉嘛！對不對？"],["楊總裁金龍：沒有。報告委員，我記得很清楚，院長跟總統都說官方沒有限貸令這件事。我剛剛解釋過，限貸令是各銀行因銀行法第七十二條之二的限制而做的一項措施，和政府、行政院跟總統、跟中央銀行沒有關係。"],["顏委員寬恒：我希望每個年輕人都能擁有自己的房子，但不是靠著提高貸款成數或拉高上限，用這種方法鼓勵年輕人買房。而且寬限期過了之後，後面會有什麼情況我們無法想像，這才是我們擔憂的，對不對？"],["楊總裁金龍：對，沒有錯。"],["顏委員寬恒：請總裁有機會跟總統講，不要再亂講，他這樣一講就枉費了你們辛苦所為，還要扮黑臉收拾殘局。當然，也要跟財政部講，畢竟這項政策帶給你們很大的困擾。央行祭出第七波信用管制，是因為資金過度流入不動產，風險是巨大的，這點我們在很多國家都可以看到房市泡沫化的慘況。好的央行能夠頂住壓力，所以本席肯定楊總裁能預視到未來可能發生的風險，及時提出因應措施。但也因為提出措施過於急躁，導致有不少無辜的民眾被捲入這項政策，也受到相關限制，這點你不否認吧？央行在10月9日發布第七波信用管制的相關配套，裡面有三大內容，包括繼承取得房屋及房貸；有實質換屋需求，已經與金融機構切結約定者；自然人已簽訂購屋合約，即將申辦貸款者都排除適用。還好反應夠快！還好反應夠快！"],["楊總裁金龍：是，謝謝。"],["顏委員寬恒：但我要說的是，雖然這一次央行能在短時間內想出配套方法，不過民眾的心裡……政策要安定，政策要可以期待，要讓人民可以放心……"],["楊總裁金龍：是。"],["顏委員寬恒：所以在制定政策時、在問題建構階段，就應該事先把利害相關考慮清楚，否則事後發現、事後補救，老實講，事倍功半，反而會讓民眾失去信心。"],["楊總裁金龍：是、是。"],["顏委員寬恒：打炒房的確是維持經濟穩定的重要措施，尤其現今房市過熱，在房價高漲泡沫化的風險漸漸升高的情況之下，央行跟政府有責任透過審慎的政策干預，來避免過度的投機行為導致危機發生。所以這不是短期的行為，而是需要全盤考量，持續施力的長期戰略。政策的穩定性最重要，所以我在這邊要再提醒總裁，朝令夕改會使市場混亂，這點我們一直在提醒、一直在提醒。"],["楊總裁金龍：謝謝。"],["顏委員寬恒：如果認為政策確實會動搖民心，那我們就要提出建言、提出要求。"],["楊總裁金龍：是，謝謝。"],["顏委員寬恒：未來在設計打房措施時，政策制定必須有可預見性與透明性，且打炒房不應該只針對某個群組或暫時性的市場波動，而是持續監管與調節市場的手段、方法，能夠回應市場的變化跟民眾的需求，才能真正體現整體經濟的平衡發展。","因為時間有限，我再請教總裁有關CBDC數位貨幣的議題。上會期我就跟你探討過CBDC的進度，由於CBDC涉及許多利害關係人，同時也需要跨部會的技術合作……"],["楊總裁金龍：是、是。"],["顏委員寬恒：雖為了跟上全球化與世界的步伐，但這項技術不能貿然倉促上路，一定要考慮完整、完善。在上會期及這次的業務報告裡，本席都看到你們說會先與數發部合作雛形平臺，未來政府機關會透過數發部的平臺發放數位券。請問總裁，數位券的功能是什麼？哪些人是雛形平臺的主要用戶？因為平臺只是雛形，應該不是全民都能使用，所以我想利用一點點時間請總裁跟我們說明一下。"],["楊總裁金龍：我初步先跟委員報告，事實上，數位券……委員，以前我們有兩次發放消費券，那時候的消費券是紙本的，如果把紙本消費券數位化，協助政府發放，這樣的話可以省時間。以我們的平臺來講，容量足夠全省發放，其實不只可以全省發放，個別政府如果要發放什麼券，振興券也好，什麼券也好，都可以透過這個平臺。我們希望這個平臺能協助政府做這件事。"],["顏委員寬恒：好。在發行數位貨幣上，包含數位券還有其他的部分……"],["楊總裁金龍：對、對。"],["顏委員寬恒：希望央行能夠舉辦更多的公聽會……"],["楊總裁金龍：不管公聽會、說明會，還有論壇，我們都會舉辦。"],["顏委員寬恒：對，然後納入更多元的意見……"],["楊總裁金龍：是、是。"],["顏委員寬恒：並與利害關係人做意見交換，好不好？"],["楊總裁金龍：我們會。"],["顏委員寬恒：希望CBDC上路可以順利。"],["楊總裁金龍：是，謝謝委員鼓勵。"],["主席：謝謝寬恒委員。","接著請王世堅委員。"]],"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":[]}