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13:05:40","會議時間":"2025-05-21T09:00:00+08:00","會議名稱":"立法院第11屆第3會期財政委員會第13次全體委員會議（事由：一、邀請財政部、金融監督管理委員會、中央銀行就「房屋稅2.0課徵亂象與金融機構對不動產融資緊縮及中央銀行信用管制措施對房地產交易之影響」進行專題報告，並備質詢。\n二、處理中華民國114年度中央政府總預算決議有關金融監督管理委員會主管預算凍結書面報告案39案。【報告事項】\n三、處理中華民國114年度中央政府總預算決議有關金融監督管理委員會主管預算凍結專案報告案9案。【討論事項】）","transcript":{"pyannote":[{"speaker":"SPEAKER_03","start":0.03096875,"end":1.6003437500000002},{"speaker":"SPEAKER_03","start":1.81971875,"end":2.84909375},{"speaker":"SPEAKER_03","start":4.26659375,"end":6.64596875},{"speaker":"SPEAKER_03","start":6.966593750000001,"end":10.004093750000003},{"speaker":"SPEAKER_04","start":9.227843750000002,"end":9.71721875},{"speaker":"SPEAKER_03","start":13.88534375,"end":14.35784375},{"speaker":"SPEAKER_03","start":14.509718750000001,"end":15.015968750000003},{"speaker":"SPEAKER_03","start":17.54721875,"end":21.242843750000002},{"speaker":"SPEAKER_03","start":21.512843750000002,"end":23.031593750000003},{"speaker":"SPEAKER_03","start":23.06534375,"end":24.36471875},{"speaker":"SPEAKER_03","start":24.668468750000002,"end":25.76534375},{"speaker":"SPEAKER_03","start":27.31784375,"end":28.00971875},{"speaker":"SPEAKER_02","start":27.36846875,"end":27.891593750000002},{"speaker":"SPEAKER_02","start":28.39784375,"end":28.70159375},{"speaker":"SPEAKER_02","start":29.882843750000003,"end":32.61659375},{"speaker":"SPEAKER_02","start":33.274718750000005,"end":35.603468750000005},{"speaker":"SPEAKER_02","start":36.53159375,"end":40.463468750000004},{"speaker":"SPEAKER_03","start":39.33284375,"end":45.96471875},{"speaker":"SPEAKER_02","start":45.96471875,"end":51.752843750000004},{"speaker":"SPEAKER_03","start":47.17971875,"end":50.09909375},{"speaker":"SPEAKER_04","start":50.09909375,"end":50.18346875},{"speaker":"SPEAKER_02","start":51.97221875,"end":57.743468750000005},{"speaker":"SPEAKER_03","start":57.05159375,"end":65.16846875},{"speaker":"SPEAKER_03","start":65.89409375000001,"end":73.75784375},{"speaker":"SPEAKER_00","start":67.91909375,"end":68.45909375000001},{"speaker":"SPEAKER_03","start":74.44971875,"end":74.93909375},{"speaker":"SPEAKER_03","start":75.61409375000001,"end":76.20471875},{"speaker":"SPEAKER_03","start":76.60971875,"end":77.18346875},{"speaker":"SPEAKER_03","start":77.75721875,"end":81.77346875},{"speaker":"SPEAKER_03","start":82.65096875,"end":82.97159375000001},{"speaker":"SPEAKER_03","start":83.15721875,"end":90.54846875000001},{"speaker":"SPEAKER_03","start":91.54409375,"end":93.99096875000001},{"speaker":"SPEAKER_03","start":94.15971875000001,"end":94.54784375000001},{"speaker":"SPEAKER_03","start":95.45909375000001,"end":98.27721875},{"speaker":"SPEAKER_03","start":98.56409375000001,"end":100.48784375000001},{"speaker":"SPEAKER_03","start":101.21346875,"end":101.75346875000001},{"speaker":"SPEAKER_03","start":101.77034375000001,"end":103.93034375},{"speaker":"SPEAKER_03","start":104.25096875000001,"end":107.05221875000001},{"speaker":"SPEAKER_03","start":108.08159375000001,"end":108.67221875000001},{"speaker":"SPEAKER_03","start":108.75659375000001,"end":111.33846875},{"speaker":"SPEAKER_03","start":111.81096875,"end":113.66721875},{"speaker":"SPEAKER_03","start":114.57846875000001,"end":115.28721875000001},{"speaker":"SPEAKER_03","start":115.70909375000001,"end":116.45159375},{"speaker":"SPEAKER_03","start":116.63721875,"end":121.68284375},{"speaker":"SPEAKER_03","start":122.29034375,"end":127.75784375},{"speaker":"SPEAKER_03","start":130.08659375000002,"end":131.06534375},{"speaker":"SPEAKER_00","start":131.21721875,"end":139.62096875},{"speaker":"SPEAKER_00","start":139.84034375000002,"end":145.07159375},{"speaker":"SPEAKER_00","start":145.10534375,"end":150.84284375000001},{"speaker":"SPEAKER_03","start":149.27346875,"end":154.23471875},{"speaker":"SPEAKER_00","start":153.15471875,"end":153.62721875},{"speaker":"SPEAKER_00","start":154.30221875,"end":171.58221875},{"speaker":"SPEAKER_03","start":170.92409375,"end":176.69534375},{"speaker":"SPEAKER_00","start":171.75096875,"end":172.10534375},{"speaker":"SPEAKER_00","start":176.86409375000002,"end":177.60659375},{"speaker":"SPEAKER_03","start":177.60659375,"end":178.80471875},{"speaker":"SPEAKER_00","start":177.64034375,"end":185.79096875000002},{"speaker":"SPEAKER_03","start":182.21346875,"end":185.26784375000003},{"speaker":"SPEAKER_03","start":186.22971875000002,"end":188.77784375000002},{"speaker":"SPEAKER_01","start":189.11534375000002,"end":223.03409375},{"speaker":"SPEAKER_03","start":221.63346875000002,"end":222.88221875000002},{"speaker":"SPEAKER_03","start":223.03409375,"end":229.27784375000002},{"speaker":"SPEAKER_03","start":229.76721875,"end":232.53471875000002},{"speaker":"SPEAKER_00","start":232.90596875000003,"end":238.98096875000002},{"speaker":"SPEAKER_03","start":238.52534375000002,"end":242.27159375000002},{"speaker":"SPEAKER_03","start":243.04784375000003,"end":244.04346875000002},{"speaker":"SPEAKER_03","start":244.54971875,"end":249.17346875},{"speaker":"SPEAKER_01","start":247.24971875000003,"end":247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副總裁前面剛才問他說跟美元掛鉤你那個央行政策你要不要我給你時間說明一下他剛才沒要跟你說前面那一個啦"},{"start":29.952,"end":35.318,"text":"其實我們的外匯的操作策略我們看到市場出現很"},{"start":36.578,"end":64.938,"text":"很異常的時候我們會加大我們的進展干預的程度前面那個說你們跟美元掛鉤有這回事嗎我不曉得所謂的掛鉤是因為美元是我們很重要的一個交易的媒介所以我們匯率在某種程度上是跟國際美元有一點連動的關係的所以綠政策是一個非常非常重要但是也非常非常專業你要綜合判斷各個因素"},{"start":66.093,"end":94.322,"text":"來做這個會議的決策是很簡單的一顧為就可以規則於什麼原因規則於這個決策是因為什麼這樣不專業而且我覺得在國會的質詢要有一定的素養跟水平好我第一個問題想請教這個三位包括彭主委包括莊部長就新清安的房貸房貸這個核貸量降"},{"start":95.629,"end":112.996,"text":"因為新台幣這個強升經濟不確定因素提升所以四月的核貸年減30%月減20%這個對青年人要貸款是非常不容易還有剛性需求也會被處"},{"start":114.642,"end":138.128,"text":"現在博文是經管會還是要財政部還是要央行共同跨部來解決怎麼樣讓新青安這些年輕人貸款能夠更為簡便更為順利莊部長有關新青安這個部分他就幫助沒有房屋的青年朋友們去買第一間房子"},{"start":138.581,"end":152.724,"text":"那在我們公股行庫在沉坐的時候事實上我們的院長已經要求就是說對於這種自住的然後首購主端是優先的放貸可是從數字來看它是年減30%月減20%這個部分第一個受理的件數也往下降的話那當然合貸的件數跟金額也會往下降那受理的件數也就是說他去買房子以後他來申請貸款嘛"},{"start":165.347,"end":188.63,"text":"那其實新青岸從推出以後之前其實在去年的時候五月達到最高的一個高峰所以目前的政策作為不會影響新青岸貸款的相關的效率速度不會目前不會譬如說像央行的信用管制對於首購族也沒有做一些特別的部分所以也不會有這個門檻的增加那我想請問彭主委您的看法呢"},{"start":189.951,"end":217.332,"text":"跟委員報告一下我們從去年9月30號開始每個禮拜監控市場房貸的變化那我們得到幾個結論從過去一直到現在9個月的時間大概平均一個月的貸放量大概是250億到350億之間平均大概就是300億左右我們平均的餘額大概是2500億總量大概是維持在4000億左右的水準那大概"},{"start":218.112,"end":242.065,"text":"這意思是說這麼久來幾乎大概都是沒有變化我轉成另外一個問題就是說這個國營的房貸的壞帳是有增加這個壞帳增加當然是在可控的範圍對於這個房貸的並沒有因此而增加但比例上是沒有增加啦但是總額有增加吧"},{"start":243.38,"end":267.418,"text":"總額有增加啦我只是提醒一下總額有增加啦這個應該是這樣講我們會定期公佈這個剛剛講餘放比率現在這是一個訊息但是現在目前在可控範圍這是一個訊息剛剛副總也了解那我接著再請教一下嚴副總裁就是說關於第七波的健全房市的信用管制啊"},{"start":268.12,"end":283.288,"text":"那上一次這個總裁來,我記得郭國文委員也曾經請教過他,是不是會做這個調整,會不會對這個政策做一些的修正,他說他會檢討,那檢討不見得會調整,意思是說會檢討,那不是會調整,你的看法呢?"},{"start":289.676,"end":307.036,"text":"就是說第七波信用管制有沒有可能再放鬆報告委員我剛才已經回答過其他委員同樣的問題就是說我們在理事會開會之前我們都會檢視我們最近的那個房地產情況我們再做判斷所以現在言之過早"},{"start":308.032,"end":311.154,"text":"其實我們的同仁每天都在注意到相關資訊的收集和整理"},{"start":330.154,"end":355.922,"text":"這個有關於你買新房子那舊房子要一年之內要拒絕要出售你第一個房子覺得第二個房子條件比較差可能坪數比較小可能地點比較不好所以他才有換屋的需求對不對好你買了房子你要一年之內要把它賣掉第一個除非運氣好第二個除非你這個降價求售"},{"start":357.274,"end":371.625,"text":"它地點絕對是比地點更賣所以它那個房屋處置的時間你要讓它有彈性你說叫它一年 沒一年你就要收回相關的貸款我覺得這不盡合理每個區不一樣喔"},{"start":373.726,"end":396.36,"text":"你每個去牛籠 台北市 台北市 買地戶 賣地戶當然沒有什麼太大問題如果從屏東市 屏東縣要到高雄縣或者從台南 嘉義要到台南也許它的城市發展規模不一樣所以它每坪的售價也不一樣 它的房子條件也不一樣沒有 剛才前面一個也讓你 已經給你很多時間了啦你要一致同仁啦 你要一致標準 你不用雙標"},{"start":403.274,"end":425.309,"text":"那個我請教一下那個副總長您的看法有沒有可能讓他這個彈性你說 啊今天沒有啊在一分鐘結束好不好在一分鐘那個報告委員因為很多的意見我們都會拿回去再參考和研議啦對啦 但是這個還是這是反映民情反映民情啦所以你要去做一些調整去考謝謝卿委員的資訊 謝謝"},{"start":429.576,"end":440.537,"text":"葉元之 葉元之 魏元之委員不在陳貫庭 陳貫庭 陳貫庭委員不在報告五位今日登記已發言 委員均已詢討完畢"}]},"gazette":{"lineno":1325,"blocks":[["邱委員志偉：（12時58分）謝謝，我先請央行嚴副總裁。"],["主席：請嚴副總裁。"],["邱委員志偉：同時請金管會彭主委跟財政部莊部長。"],["主席：金管會彭主委、財政部莊部長。"],["邱委員志偉：副總裁，剛剛質詢的委員說跟美元掛鉤，我給你時間，你要不要把央行的政策說明一下？他剛才都不讓你說明。"],["嚴副總裁宗大：其實我們的外匯操作策略是看到市場出現很異常的時候，我們會加大我們進場干預的程度。"],["邱委員志偉：我聽到他說你們跟美元掛鉤，有這回事嗎？"],["嚴副總裁宗大：我不曉得所謂的掛鉤是指什麼，因為美元是我們很重要的一個交易媒介，所以我們的匯率在某種程度上是跟國際美元有一點連動關係的。"],["邱委員志偉：匯率政策是非常、非常重要但是也非常、非常專業的，你要綜合判斷各種因素來做匯率的決策。"],["嚴副總裁宗大：沒錯。"],["邱委員志偉：這是很不簡單的，不是一句話就可以歸責於什麼原因、歸責於這個決策是因為什麼，這樣就不專業，而且我覺得在國會質詢要有一定的素養跟水平。","第一個想請教三位包括彭主委、莊部長的問題是新青安房貸的核貸量降，因為新臺幣強升，經濟不確定因素提升，所以4月的核貸年減30%、月減20%，這個對青年人要貸款是非常不容易的，還有剛性需求也會減少。這個部分還是要金管會、財政部和央行共同跨部會來解決，怎麼樣讓這些年輕人新青安貸款能夠更為簡便、更為順利？請莊部長說明。"],["莊部長翠雲：有關新青安這個部分，它是幫助沒有房屋的青年朋友們去買第一間房子。我們公股行庫在承做的時候，事實上我們的院長已經要求說對於這種自住的，然後首購族都是優先的放貸。"],["邱委員志偉：可是從數字來看，它是年減30%、月減20%！"],["莊部長翠雲：這個部分，第一個，受理的件數也往下降的話，那當然核貸的件數跟金額也會往下降。受理的件數，也就是說他去買房子以後，他來申請貸款嘛！其實新青安從推出以後，在去年5月的時候達到最高的一個高峰，那慢慢……"],["邱委員志偉：所以目前的政策作為不會影響新青安貸款相關的效率、速度？"],["莊部長翠雲：目前不會。比如說像央行的信用管制對於首購族也沒有做一些特別的管制，新青安都是以首購族。"],["邱委員志偉：所以不會有門檻的增加？"],["莊部長翠雲：對。"],["邱委員志偉：我想請問彭主委，您的看法呢？"],["彭主任委員金隆：跟委員報告一下，我們從去年9月30號開始每個禮拜監控市場、房貸的變化，我們得到幾個結論：從過去到現在9個月的時間，大概平均一個月的貸放量是250億到350億之間，平均大概就是300億左右，我們平均的餘額大概是2,500億，總量大概是維持在4,000億左右的水準。這意思是說，這麼久以來，幾乎大概都是沒有變化，因為這個都可以去查。"],["邱委員志偉：好，我轉成另外一個問題，就是說國營房貸的壞帳是有增加，對不對？這個壞帳增加當然是在可控的範圍吧？"],["莊部長翠雲：國營的沒有，對於房貸的部分並沒有因此而增加。"],["邱委員志偉：比例上是沒有增加，但是總額有增加吧？總額有增加啦！我只是提醒一下總額有增加啦！以副總裁的了解……"],["彭主任委員金隆：應該這樣講，我們會定期公布……剛剛講到逾放比率現在到了非常……"],["邱委員志偉：但是目前在可控的範圍，這是一個訊息，副總裁也了解。我接著再請教一下嚴副總裁，關於第七波的健全房市的信用管制，上一次總裁來，我記得郭國文委員也曾經請教他是不是會做調整、會不會對這個政策做一些修正，他說他會檢討，但檢討不見得會調整。意思是說，他會檢討，但不一定會調整。那你的看法呢？就是說第七波信用管制有沒有可能再放鬆？"],["嚴副總裁宗大：報告委員，我剛才已經回答過其他委員同樣的問題，在理事會開會之前，我們都會檢視最近的房地產情況，然後再做判斷。"],["邱委員志偉：所以現在言之過早？你現在說要調整，就一定要調整，調整就是會改變的意思哦！但是你說檢討，要看當時候的狀況，做一些動態性的檢討或者調整，是這個意思嗎？"],["嚴副總裁宗大：其實我們的同仁每天都在注意相關資訊的蒐集和整理，所以……"],["邱委員志偉：另外半分鐘。有關於買新房子，那舊房子在一年之內要具結、要出售。你第一個房子絕對比第二個房子條件差，可能坪數比較小，可能地點比較不好，所以他才有換屋的需求，對不對？你買了房子，你要在一年之內把它賣掉，第一個，除非運氣好；第二個，除非你降價求售。它的地點絕對是比第2間差嘛！所以他那個房屋處置的時間你要讓它有彈性，你說叫他一年，沒一年你就要收回相關的貸款，我感覺這個不盡合理。每一個區不一樣哦！如果說臺北市賣第1戶、買第2戶，當然沒有什麼太大問題。如果從屏東縣要到高雄縣，或者從嘉義要到臺南……"],["主席：時間可以了。"],["邱委員志偉：也許它的城市發展規模不一樣，所以它每坪的售價也不一樣，它房子的條件也不一樣。剛才前面一個你也讓他講很久。"],["主席：沒有啦！可以了啦！已經給你很多時間了啦！"],["邱委員志偉：你要一視同仁啊！你要一致標準，不能雙標！"],["主席：可以了！可以了！"],["邱委員志偉：我請教一下副總裁您的看法，有沒有可能讓它這個彈性……你說一年半……"],["主席：再1分鐘結束。"],["嚴副總裁宗大：報告委員，因為很多的意見我們都會拿回去再參考和研議。"],["邱委員志偉：對啦！但是這是反映民情……"],["主席：好，謝謝！"],["邱委員志偉：所以你要去做一些調整和考量。"],["主席：好，謝謝邱委員的質詢。","葉元之委員、葉元之委員，葉元之委員不在。","陳冠廷委員、陳冠廷委員，陳冠廷委員不在。","報告委員會，今日登記發言委員均已詢答完畢。","現在處理中華民國114年度中央政府總預算金管會主管的預算解凍案專案報告9案，與預算解凍無關的行政官員可以離席，財政部、央行的可以離席，金管會的留下來。","請議事人員宣讀。"]],"agenda":{"page_end":380,"meet_id":"委員會-11-3-20-13","speakers":["賴士葆","林德福","吳秉叡","郭國文","賴惠員","李彥秀","鍾佳濱","羅明才","李坤城","顏寬恒","黃珊珊","陳玉珍","林思銘","王世堅","林楚茵","廖先翔","邱志偉","楊瓊瓔","陳冠廷"],"page_start":299,"meetingDate":["2025-05-21"],"gazette_id":"1145101","agenda_lcidc_ids":["1145101_00009"],"meet_name":"立法院第11屆第3會期財政委員會第13次全體委員會議紀錄","content":"一、邀請財政部、金融監督管理委員會、中央銀行就「房屋稅2.0課徵亂象與金融機構對不動產\n融資緊縮及中央銀行信用管制措施對房地產交易之影響」進行專題報告，並備質詢；二、處理中\n華民國 114 年度中央政府總預算決議有關金融監督管理委員會主管預算凍結書面報告案 39 案；\n三、處理中華民國114年度中央政府總預算決議有關金融監督管理委員會主管預算凍結專案報告\n案9案","agenda_id":"1145101_00008"}}},"supported_relations":[],"relations":[]}