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我請楊總裁來 請"},{"start":16.596,"end":23.342,"text":"我首先必須先肯定你去年義氣波信用管制你的堅持這是正確的我一直認為說我們所有部會當中我們中央銀行跟金管會是在穩定我們國內財經最重要的兩大重鎮而且"},{"start":45.48,"end":72.359,"text":"央行跟金管會到現在為止那這個表現確實可圈可點那麼我去年的上個會期12月份的質詢我針對金管會我有提到說這個要趕快去查查就是是不是融資租賃公司他們會成為"},{"start":73.9,"end":93.173,"text":"我們對於不動產放款就是變成打房的一個破口那我這個質詢之後這個質詢之後當然這個經國二他們有趕快發函他們就有發函要求各銀行針對"},{"start":96.587,"end":122.921,"text":"這個融資的資金用途必須詢問去防止杜絕這個破口他們是在12月13號發的函那我比較感到有興趣的是12月19號我們央行的理監事會議裡面結果也有理事他也提出這樣的疑慮"},{"start":124.195,"end":134.628,"text":"那也就是說在金管會已經有行文跟銀行要求也查查之後那我們"},{"start":136.155,"end":159.893,"text":"理政事會裡面理事也有提出這個疑問那我認為說是不是我們的看法不但一致而且你們有發現什麼樣的新的問題新的破口是我們央行跟金管會必須特別再去查查再去強調的你的看法呢"},{"start":160.353,"end":177.458,"text":"是有那個報告委員就是說我們的我們理事就是說在我們上一次的禮監事會也有提到也有提到就是說這個破口那不過呢上一次那個他講到的這個破口呢主要的他是在講基層金融"},{"start":179.594,"end":188.903,"text":"就是我們的榮譽會信用部還有信用合作社這個部分他講的那個破口是在這個部分而且事實上在講這個破口之後我們有去了解"},{"start":195.109,"end":196.75,"text":"而且我們也有專案經檢對這個部分而且我們也發函給農業金庫因為是農業金庫是農委會之下的農業金庫不是農業的信用部對對對"},{"start":216.778,"end":232.45,"text":"因為農會金庫他對這個農會信用部還有就是農會特別是農會信用部他們有那個檢查不是檢查權他們有監管的責任所以就這個部分我們有去更進一步的了解"},{"start":234.182,"end":252.464,"text":"因為我們這一個底線我們要求銀行金融機構要求貸款不動產不能超過存款總額百分之三十這個底線是絕對要簽署的所以這最可能的大金額的做口"},{"start":253.064,"end":282.384,"text":"那是這些融資註定公司因為他們這金額太龐大了動輒都百億以上那這個農業信用部雖然金額不大但是也會是因為他的加速多啦那這個部分就請你要繼續繼續監督他們那第二個我憂慮的就是說我們消費物價指數CPI啦CPI當然我們在2月份1.58是已經比"},{"start":284.425,"end":293.928,"text":"創下這四年來新低但是不可否認的我們一二月還是一樣比去年同期還是漲這裡面"},{"start":297.031,"end":324.009,"text":"去年今年的數字不管漲跌都已經達到通膨的警戒線尤其食物的方面食物的這個部分竟然高達3.98這麼高高達3.98那3.98幾乎啊我們全民尤其是上班族外食族的朋友們那真的是"},{"start":325.691,"end":339.246,"text":"苦不堪言啦苦不堪言所以我一直搞不懂的就是說為什麼啦為什麼我們對於這個通膨尤其是食物為什麼對"},{"start":341.111,"end":354.625,"text":"食物通膨沒辦法抑制那個總裁你看法呢我跟委員報告就是說外食還有房租外食跟房租是屬於服務類"},{"start":356.497,"end":380.444,"text":"是屬於服務類我們有商品類跟服務類像說蔬菜水果那個是商品類外食跟房租這個是服務類服務類不管就是在台灣或是在外國都有同樣的一個特性它要調降下來都會有sticky"},{"start":382.785,"end":405,"text":"就是僵固性所以就是說他上去了以後呢要回來的時候呢他會慢慢的不會像商品類一樣的商品類你看看像商品類我們商品類下跌的速度就比較快但是呢服務類的這個部分呢他就比較sticky他的特性就是比較僵固這個規律在服務類當然這個就會確實比較不容易但是但是"},{"start":413.005,"end":434.648,"text":"我們雖然是比日韓低是優於日韓但是我們比歐美是高那如果純粹以服務類這個項目來看的話那歐美的薪資是遠高於我們結果他們在這一部分的CPI15的CPI是遠低於我們"},{"start":435.569,"end":463.183,"text":"他們大概2%而已我跟委員報告事實上如果說就歐美來講的話我們跟OECD來比較事實上他們的服務類也是一樣的是上去了以後它下來也是比較你現在講的是說是食物類但是如果說我們從total這個服務類來看的話事實上它還是比我們高"},{"start":464.502,"end":488.373,"text":"他整體的服務類還是比我們高他的服務類現在大概是4.4左右但是食物的部分他大概是他的因為他上站了以後他下來的速度是比較快一點比我們台灣快一點所以總裁當然您是專家我的看法就是說是不是"},{"start":489.42,"end":508.931,"text":"我們中央銀行應該靈活應用這個利率來控制通膨我的看法就是說因為我們洋行最重要的任務之一就是穩定國內物價在這一個部分利率的運用上"},{"start":512.609,"end":528.748,"text":"觀察的結果美國他們是很靈活應用的美國他們在這個利率的調整他們是很激動很激動的那我們台灣長期以來我們國家的低利率已經造成一些"},{"start":530.66,"end":544.63,"text":"不可測的危害已經發生很清楚的我們長期的低利率導致房地產價格不斷上漲那我們長期的低利率也讓我們台灣的民眾放棄"},{"start":545.991,"end":574.686,"text":"除序放棄除序那麼而且還傾向於因為這麼低的利率所以傾向於借貸那這個都是很頭痛的問題而且這長期以往會助長這個金融投機啦金融泡沫所以這一個部分是我們不得不要來做機動的調整尤其尤其我們長期的這個低利率"},{"start":576.823,"end":604.359,"text":"已經也導致我們台灣受險業者他們把我們高達35兆他們從保險戶收到的資金那這些金額70% 25兆因為我們國家的低利率所以他們又有理由有藉口他們到海外去購買海外國外的債券基金那這些"},{"start":605.299,"end":621.877,"text":"因為有戰爭匯率的風險賺人家利息人家把你本金吃了戰爭的風險你像買俄國的部分現在要收回遙遙無期那這一些風險都已經發生不打緊也導致我們國內"},{"start":623.278,"end":647.063,"text":"自己國家的資金來自我們民眾的錢竟然沒辦法用在我們國家自己的建設所以我認為是不是應該在下一次的禮監事會議還有下下次未來的這些禮監事會議要靈活激動的調整利率你看美國他們這麼激動之下你看他們"},{"start":648.163,"end":672.295,"text":"在通膨的部分他們守的至少守的還比我們好所以這一個部分是我給周恩揚的一些建議好不好能不能這個部分就做到而且我也做了一個臨時提案希望在這一個部分你們一個月內做一個基本的對利率調整的一些綜合因素的看法好不好"},{"start":672.915,"end":673.536,"text":"我做一個報告"}]},"gazette":{"lineno":1035,"blocks":[["王委員世堅：（11時47分）謝謝主席，我請楊總裁。"],["主席：總裁請。"],["楊總裁金龍：王委員早。"],["王委員世堅：總裁，你好，辛苦了。"],["楊總裁金龍：謝謝。"],["王委員世堅：我首先必須先肯定，去年第七波信用管制，你的堅持，這是正確的。"],["楊總裁金龍：是，謝謝委員。"],["王委員世堅：我一直認為，我們所有部會當中，中央銀行跟金管會是穩定我們國內財經最重要的兩大重鎮。"],["楊總裁金龍：是，謝謝。"],["王委員世堅：而且央行跟金管會到現在為止，表現確實可圈可點。","上個會期去年12月份的質詢，針對金管會，我有提到要趕快去查察，是不是融資租賃公司會成為我們對於不動產放款進行打房的一個破口，我這個質詢之後，當然金管會他們有趕快發函，要求各銀行針對融資的資金用途必須詢問，去防止、杜絕這個破口。他們是在12月13日發的函，那我感到比較有興趣的是，12月19日央行理監事會議裡面，也有理事提出這樣的疑慮，也就是，在金管會已經行文跟銀行要求，也查察之後，央行理監事會議裡面，理事也有提出這個疑問。我認為是不是我們的看法不但一致，而且你們有發現什麼樣的新的問題、新的破口是央行跟金管會必須特別再去查察、再去強調的？你的看法呢？"],["楊總裁金龍：是，有。報告委員，在我們上一次的理監事會議，我們的理事也有提到這個破口，不過上一次他講到的破口主要是在講基層金融，就是我們的農漁會信用部還有信用合作社這個部分，他講的破口是在這個部分。"],["王委員世堅：他講的破口是這個部分？"],["楊總裁金龍：是在這個部分，事實上在講這個破口之後，我們有去了解，而且我們也有對這個部分專案金檢，我們也發函給農業金庫，因為這個部分是農業部之下的農業金庫在……"],["王委員世堅：對，就是農會的信用部。"],["楊總裁金龍：對，因為農業金庫對農會信用部還有漁會信用部，特別是農會信用部，有監管的責任，所以就這個部分，我們有去更進一步的了解。"],["王委員世堅：好。因為我們要求銀行等金融機構不動產貸款總額不能超過存款總額30%，這個底線是絕對要堅守住的……"],["楊總裁金龍：是，沒有錯。"],["王委員世堅：所以最可能的大金額的破口是這些融資租賃公司，因為他們的金額太龐大了，總金額動輒都百億以上。"],["楊總裁金龍：是。"],["王委員世堅：農會信用部雖然金額不大，但是也會是一個小破口……"],["楊總裁金龍：因為它的家數多。"],["王委員世堅：好，那這個部分就請你要繼續監督他們。"],["楊總裁金龍：好。"],["王委員世堅：第二個我憂慮的就是我們的消費者物價指數（CPI），當然我們2月的CPI年增率1.58%已經創下這四年來的新低，但是不可否認的，我們1、2月還是一樣，比去年同期還是上漲，其中去年、今年的數字，不管漲跌，都已經達到通膨的警戒線，尤其食物的部分。食物的部分竟然高達3.98%，這麼高！高達3.98%，那幾乎我們全民，尤其是上班族、外食族的朋友們，真的是苦不堪言啦！苦不堪言。所以我一直搞不懂的就是為什麼我們對於通膨，尤其是食物的通膨，沒辦法抑制？總裁，你的看法呢？"],["楊總裁金龍：我跟委員報告，外食跟房租是屬於服務類。消費者物價指數有商品類跟服務類，像蔬菜、水果是商品類，外食跟房租是服務類。服務類的物價指數，不管是在臺灣或是在外國都有一個同樣的特性，它要調降下來都會有sticky，就是僵固性，也就是它上漲之後要回跌的時候會慢慢的，不會像商品類一樣，像商品類的下跌速度就比較快，但是服務類的部分就比較sticky，它的特性就是比較僵固。"],["王委員世堅：總裁，這個當然，這個歸類在服務類，當然它的價格就會確實比較不容易回跌，但是我們雖然是比日韓低，是優於日韓，我們卻比歐美高，如果純粹以服務類這個項目來看的話，歐美的薪資是遠高於我們，結果他們在食物這一部分的CPI是遠低於我們，他們大概2%而已，我們將近他們的兩倍。"],["楊總裁金龍：我跟委員報告，如果就歐美來講的話，我們跟OECD的國家來比較，事實上他們的服務類也是一樣的，上去了以後要下來也是比較慢，你現在講的是食物類啦？"],["王委員世堅：對。"],["楊總裁金龍：但是如果我們從total的服務類來看的話，事實上它還是比我們高，它整體的服務類還是比我們高，它的服務類現在大概是4.4%左右。"],["王委員世堅：但是食物的部分，我們大概是它的將近兩倍。"],["楊總裁金龍：對，食物類的話，因為它上漲了以後，下來的速度是比較快一點，比我們臺灣快一點。"],["王委員世堅：總裁，當然您是專家，但我的看法就是，是不是我們中央銀行應該靈活運用利率來控制通膨？"],["楊總裁金龍：是。"],["王委員世堅：我的看法就是，因為我們央行最重要的任務之一就是穩定國內的物價，對不對？"],["楊總裁金龍：是。"],["王委員世堅：在利率這個部分的運用上，我觀察的結果，美國他們是很靈活運用的，美國他們在利率的調整上是很機動的……"],["楊總裁金龍：是。"],["王委員世堅：那我們呢？長期以來我們國家的低利率已經造成一些不可測的危害發生，很清楚的我們長期的低利率導致房地產價格不斷上漲，長期的低利率也讓我們臺灣的民眾放棄儲蓄，而且還傾向於借貸，這個都是很頭痛的問題……"],["楊總裁金龍：是。"],["王委員世堅：而且這長期以往會助長金融投機、金融泡沫，我覺得這個部分我們不得不也要來做機動的調整，尤其我們長期的低利率已經導致我們臺灣的壽險業者把從保險戶收到的高達35兆的資金中的70%，也就是25兆，有理由、有藉口拿到海外去購買國外的債券基金，但這些也有戰爭或是匯率的風險，你要賺人家的利息，人家把你的本金都吃了，至於戰爭的風險，像買俄國的部分，現在要收回遙遙無期……"],["楊總裁金龍：是。"],["王委員世堅：這一些風險都已經發生不打緊，也導致我們國內自己國家的資金，來自我們民眾的錢，竟然沒辦法用在我們國家自己的建設，所以我認為是不是應該在下一次的理監事會議，還有下下次未來的理監事會議，要靈活機動的調整利率。你看美國他們這麼機動之下，在通膨的部分，他們至少守得還比我們好。所以這個部分也是我給中央銀行的一些建議，好不好？"],["楊總裁金龍：是。好。"],["王委員世堅：能不能這個部分就做到，而且我也提了一個臨時提案，希望就這個部分，你們一個月內針對利率調整的綜合因素做一個報告，好不好？"],["楊總裁金龍：好，謝謝。"],["王委員世堅：好，謝謝。"],["楊總裁金龍：謝謝委員指教。"],["主席：謝謝王委員的質詢。下一位請陳玉珍委員質詢。"]],"agenda":{"page_end":226,"meet_id":"委員會-11-3-20-2","speakers":["賴士葆","林德福","吳秉叡","顏寬恒","郭國文","賴惠員","李彥秀","鍾佳濱","羅明才","黃珊珊","林思銘","李坤城","王世堅","陳玉珍","王鴻薇","邱志偉","陳冠廷","李柏毅"],"page_start":169,"meetingDate":["2025-03-13"],"gazette_id":"1142701","agenda_lcidc_ids":["1142701_00005"],"meet_name":"立法院第11屆第3會期財政委員會第2次全體委員會議紀錄","content":"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，並備質\n詢","agenda_id":"1142701_00004"}}},"supported_relations":[],"relations":[]}