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我請楊總裁"},{"start":20.991,"end":49.074,"text":"王委員早總裁辛苦了謝謝您鼓勵您對這個房市管控的這個部分還有在這個買賣外匯的這一個部分的堅持我是非常肯定謝謝謝謝委員鼓勵還有支持頂住很多壓力我認為最重要第一點我們就是"},{"start":50.175,"end":75.804,"text":"關於我們國家的匯率啦匯匯這一個部分因為我們國家GDP62%是出口所以我們是以出口為導向的國家所以央行要來顧及我們國家匯率的穩定這是應當的啦所以我也多次講我說其實我們政府應該默許央行有這兩大權利"},{"start":77.725,"end":96.325,"text":"第一個權利就是不說實話的權利啦這個部分第二個操作外匯的這個權利這個我們不可否的我們台灣我們"},{"start":98.377,"end":124.175,"text":"是小國寡民比起歐美日他們這些大國而言我們當然要互助我們的外匯所以這一點我是一再的堅持說一定要這麼做你看這次台幣升值的結果我們國內有那麼多的行業已經開始無薪假了他們只是因為匯率還沒有計算到"},{"start":124.955,"end":151.289,"text":"那個20%的關稅還有疊加上去的那個都不算光匯率這一波就已經讓他們幾乎沒辦法存活像這個手工機械業像這個五星類他們就是這樣所以這個部分我希望央行能夠堅持那當然這個美國那邊的控制的我覺得這三點你比我更清楚嘛你是內行你專業"},{"start":152.81,"end":169.059,"text":"這三點裡面我一再講我認為貿易順差超過200億這個沒話講我們隨便也都會超過說經常順差超過GDP3%這個我們也不敢太確定說是不是會超過這兩點"},{"start":171.32,"end":193.677,"text":"我們比較沒話講但是但是單向外匯年淨買值說要超過GDP百分之二要超過160億美金因為我們不是一天到晚在買匯吧我們也會有賣的時候你就要帶領央行去調節有時候買有時候賣但是保持它的穩定這一點"},{"start":195.018,"end":215.889,"text":"是他們永遠拿我們沒辦法的地方所以很多事情我們跟我們最大貿易往來國家大家心照不宣所以我希望你能夠頂住這個壓力繼續往對於匯率的穩定操控這個部分還是要堅持下去好不好"},{"start":217.771,"end":235.73,"text":"那其次就是關於對房市房市這個部分的壓力也蠻大的因為不可否認現在在此反對聲浪的那背後的鼓譟者很多啊會影響到他們的比方說建商"},{"start":236.874,"end":263.271,"text":"比方說房屋仲介公司比方說投資戶那這些人他們當然有他們的權益可是如果是來炒作的比方說有一些自己體質就不良的建設公司比方說有一些這個過分大膽的這些投資戶那房價這十年來漲幅這麼大"},{"start":265.543,"end":279.862,"text":"也是因為這些人所導致的因素占非常大的一個因素那這些人他們在媒體上面聲量很大因為他們常年有那麼龐大的廣告量"},{"start":280.783,"end":297.267,"text":"所以相對就會有他們製造的一些新聞那這會給我們政府壓力那政府的壓力當然就會轉嫁來請央行說是不是這個部分應該放鬆那我認為不應該我還是認為我們對於房市控管說不動產貸款"},{"start":307.24,"end":321.827,"text":"資金絕對不能超過當時存款總額的30%三成我認為這個底線一定要守住當然現在行政院有放寬說那這30%的這個設限"},{"start":326.589,"end":346.774,"text":"對新清安不計算不計入那不計入以後光上個月一個月就240億之多所以我還是認為對於新清安不設限來講但是要嚴審這些新清安是不是真正的有需要的新清安或者是人家"},{"start":347.594,"end":358.866,"text":"不管建商 仲介 炒作者他們去找出來的人頭那這個我認為是不是應該督促各銀行他們應該嚴審 你看法呢是 沒有錯委員的"},{"start":365.763,"end":377.047,"text":"對於房市的我們的信任管制一直以來都給我們很大的支持那這個真的是我又一直就說要站得住腳站得住腳也是要我們委員來協助我們來支持我們我們才站得更穩這個部分我真的非常謝謝委員這樣的一個做法"},{"start":390.911,"end":409.322,"text":"所以總裁能不能頂住這個壓力因為現在動不動就會有這個聲浪跑出來所以要頂住這個壓力而且要遂之以理就是當行政院內部在討論的時候你要把這一番道理說出來過去"},{"start":412.063,"end":431.765,"text":"你像十幾年前十六七年前美國也發生過那麼大的那個風暴造成金融風暴它造成的風暴已經造成世界級的也是導引你對不動產開始的所以這個底線一定要守住好不好你看我們這一次你強硬的"},{"start":433.947,"end":450.085,"text":"這三年來 緊縮的政策你看 緊縮這三年以來我們房屋啊我就在講我們台灣的淡黃區台北新北就好跌幅啊不到百分之二你看那麼強硬之下"},{"start":451.326,"end":470.619,"text":"房屋跌幅也不到2%等於微跌啦但是整個價值來看我們相比2020年當時的指數只有97.85現在即便下跌到這個程度房價指數還是高達150.38150"},{"start":478.475,"end":497.503,"text":"這五年來等於漲了一半所以這是不可思議的事情我們也可以引國外韓國也有很好的例子韓國他們打得比我們更嚴重他們不但全面緊縮他們房價六億元的房價"},{"start":499.424,"end":507.173,"text":"貸款總額的上限他們訂了這個絕對不動而且他們打擊外國的投資客他們針對熱區他們還把貸款層數下降"},{"start":512.307,"end":537.643,"text":"還有他們針對超過25億韓元1比50差就5000萬的豪宅他們就限貸就限制他們的貸款不打緊喔他們兩戶以上你如果貸款兩戶以上全面禁止我們還沒有喔我們只有把乘數下降我們沒有限制戶數然後他們法人貸款"},{"start":540.042,"end":568.862,"text":"對我們台灣人法人貸款我們還給他三成韓國是全面禁止一毛也不借他這些都正確的事情所以他們打房的政策比我們更嚴格而且執行上更徹底所以這樣子的情況下韓國政府也是撐住了啊也是撐住了所以我希望這個部分你一定要一定要堅持還有"},{"start":569.775,"end":585.577,"text":"我們國家貸款總額沒有上限對於不動產貸款總額但是韓國他也限制貸款總額他房貸貸款總額他設限六億韓元六億韓元而已"},{"start":587.022,"end":615.492,"text":"如果你一比45來看才1300萬台幣所以他們是做的這麼徹底那這樣子的情況就是為了所有全國普遍大家都能夠有合理的價格舒適的房子來居住這才是正確的所以我希望你能夠挺下去在這一波打房的政策上面因為只有你"},{"start":616.472,"end":629.72,"text":"只有中央银行有办法坚持住你坚持住了其他银行才能守住好不好是谢谢委员的支持谢谢委员的鼓励谢谢"}]},"gazette":{"lineno":1401,"blocks":[["王委員世堅：（11時15分）謝謝主席。我請央行楊總裁。"],["主席：請楊總裁。"],["楊總裁金龍：王委員早。"],["王委員世堅：總裁，辛苦了。"],["楊總裁金龍：是，謝謝您的鼓勵。"],["王委員世堅：這一年來，您對房市管控的部分，還有在買賣外匯這部分的堅持，我是非常肯定。"],["楊總裁金龍：謝謝委員鼓勵還有支持。"],["王委員世堅：我知道這是很辛苦，必須頂住很多壓力，我認為最重要，第一點，關於我們國家的匯率，外匯這一個部分，因為我們國家GDP的62%是出口，所以我們是以出口為導向的國家。"],["楊總裁金龍：是，沒有錯。"],["王委員世堅：所以央行要顧及我們國家匯率的穩定，這是應當的。"],["楊總裁金龍：是，沒有錯。"],["王委員世堅：我也多次講，其實政府應該默許央行有這兩大權力：第一個權力，就是不說實話的權力；第二個，操作外匯的權力。"],["楊總裁金龍：是。"],["王委員世堅：我們不可否認臺灣是小國寡民，比起歐、美、日這些大國而言，我們當然要護住我們的外匯。所以這一點，我是一再堅持一定要這麼做，你看這次臺幣升值的結果，國內有那麼多的行業已經開始無薪假了，他們只是因為匯率，還沒有計算到20%關稅還有疊加上去的，那個都不算，光匯率這一波就已經讓他們幾乎沒辦法存活，像手工機械業、五金類就是這樣。"],["楊總裁金龍：是。"],["王委員世堅：所以這個部分，我希望央行能夠堅持，當然美國的控制，我覺得這三點你比我更清楚，你是內行、你專業。"],["楊總裁金龍：哪裡。"],["王委員世堅：這三點我一再講，我認為貿易順差超過200億，這個沒話講，我們隨便也都會超過；經常順差超過GDP 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的2%又要超過160億美金，因為我們不是一天到晚在買匯，我們也會有賣的時候，你就要帶領央行去調節，有時候買、有時候賣，但是保持它的穩定，這一點是他們永遠拿我們沒辦法的地方。"],["楊總裁金龍：是。"],["王委員世堅：所以很多事情，我們跟最大貿易往來國家，大家心照不宣，我希望你能夠頂住這個壓力，繼續往對於匯率的穩定、操控的部分，還是要堅持下去，好不好？"],["楊總裁金龍：好，是！"],["王委員世堅：其次，關於對房市這部分的壓力也滿大的，因為不可否認，現在持反對聲浪背後的鼓噪者很多，會影響到他們的，比方建商、房屋仲介公司、投資戶，這些人當然有他們的權益，可是如果是來炒作的，比方有些是自己體質就不良的建設公司、有些是過分大膽的投資戶，房價這十年來漲幅這麼大，也是因為這些人所導致而占非常大的一個因素，這些人在媒體上面聲量很大，因為他們長年有那麼龐大的廣告量，所以相對就會有他們製造的一些新聞，這會給我們政府壓力，政府的壓力當然就會轉嫁來請央行說，是不是這個部分應該放鬆，那我認為不應該。我還是認為我們對於房市的控管，就是不動產貸款資金絕對不能超過當時存款總額的30%就是三成，我認為這個底線一定要守住。"],["楊總裁金龍：是。"],["王委員世堅：當然，現在行政院有放寬說，這30%的設限對新青安的部分不計入，不計入以後，光上個月一個月就240億之多耶，所以我還是認為固然對於新青安的部分不設限，但是要嚴審這些新青安是不是真正的、有需要的新青安，或者是不管建商、仲介、炒作者，他們去找出來的人頭，這部分我認為是不是應該督促各銀行應該要嚴審，你的看法呢？"],["楊總裁金龍：是，沒有錯。我們針對房市發布的信用管制措施，委員一直以來都給我們很大的支持，這個真的是……我的意思就是要站得住腳，要站得住腳也要委員來協助我們、支持我們，我們才能站得更穩，這部分我真的非常、非常謝謝委員這樣的作法。"],["王委員世堅：所以總裁你能不能頂住這個壓力？因為現在動不動就會有這個聲浪跑出來。"],["楊總裁金龍：是，沒有錯。"],["王委員世堅：所以要頂住這個壓力，而且要說之以理，就是當行政院內部在討論的時候，你要把這一番道理說出來……"],["楊總裁金龍：是。"],["王委員世堅：過去像十幾年前，十六、七年前，美國也發生過那麼大的風暴，已經造成世界級的金融風暴，也是導因於不動產開始的那些次級房貸……"],["楊總裁金龍：是，沒有錯。"],["王委員世堅：所以這個底線一定要守住，好不好？"],["楊總裁金龍：是，我……"],["王委員世堅：你看我們這一次，你強硬的這三年來緊縮的政策，你看，緊縮這三年以來，我們的房屋，我就講我們臺灣的蛋黃區臺北、新北就好，跌幅不到2%你看那麼強硬之下，房屋跌幅也不到2%，等於微跌啦。但是就整個價值來看，相比2020年當時的指數只有97.85，現在即便下跌到這個程度，房價指數還是高達150.38，這五年來等於漲了一半，所以這是不可思議的事情。"],["楊總裁金龍：是。"],["王委員世堅：我們也可以引國外，韓國也有很好的例子，韓國他們打得比我們更嚴重，他們不但全面緊縮，還訂定房屋貸款總額的上限是6億元，他們定了這個絕對不動；而且他們打擊外國的投資客，針對熱區把貸款的成數下降；還有他們針對超過25億韓元，以1比50來換算，就是5,000萬的豪宅就限制貸款；這還不打緊，針對兩戶以上，如果貸款兩戶以上全面禁止，我們還沒有喔，我們只有把成數下降，我們沒有限制戶數；然後他們的法人貸款，對我們臺灣而言，法人貸款我們還給三成，韓國則是全面禁止，一毛也不借他，這些都是正確的事情。"],["楊總裁金龍：是、是、是。"],["王委員世堅：所以，他們打房的政策比我們更嚴格，而且執行上更澈底。這樣子的情況下，韓國政府也是撐住了啊！"],["楊總裁金龍：是、是。"],["王委員世堅：所以我希望這個部分，你一定要堅持。還有，我們國家對於不動產的貸款總額沒有上限，但是韓國也限制貸款總額，他的房貸貸款總額設限6億韓元，6億韓元而已欸，如果用1比45來換算，才1,300萬臺幣，所以他們是做得這麼澈底。"],["楊總裁金龍：是。"],["王委員世堅：這樣子的情況，就是為了所有全國普遍大家都能夠有合理的價格，舒適的房子來居住，這才是正確的。所以我希望你能夠挺下去，在這一波打房的政策上面，因為只有你、只有中央銀行有辦法堅持住。你堅持住了，其他銀行才能守住，好不好？謝謝。"],["楊總裁金龍：是，謝謝，謝謝委員的支持，也謝謝委員的鼓勵，謝謝。"],["主席：謝謝王世堅委員。接下來請陳玉珍委員質詢。"]],"agenda":{"page_end":150,"meet_id":"委員會-11-4-20-4","speakers":["林思銘","林德福","吳秉叡","賴士葆","郭國文","賴惠員","李彥秀","李坤城","鍾佳濱","黃珊珊","王世堅","陳玉珍","葉元之","謝衣鳯","邱志偉","葛如鈞","羅明才"],"page_start":61,"meetingDate":["2025-10-23"],"gazette_id":"1148901","agenda_lcidc_ids":["1148901_00003"],"meet_name":"立法院第11屆第4會期財政委員會第4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":"1148901_00002"}}},"supported_relations":[],"relations":[]}