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沒關係就是說那個民眾呢可以"},{"start":122.057,"end":127.839,"text":"就是說來跟我們的業務局我們有申訴的管道我們有15線他來跟我們申訴他跟哪一家銀行因為他符合這個資格這個銀行又說他沒有符合這個資格有些時候雙兆之間就必須要有些時候是要對質"},{"start":144.505,"end":156.089,"text":"不一定就說他講的就對了你這個是政策跟現實的落差您最好可以去了解一下我們了解這個案子你可以去了解因為實際上他就是遇到這個困難您的意思是說銀行不能拒絕貸款只要能夠簽這一年半就一定要貸您的想法是這樣嗎否則申訴嘛"},{"start":166.832,"end":182.725,"text":"等一下我們先理清問題不然會吵不完你的意思是說他就是可以來檢舉他可以來申訴申訴銀行會有問題但是實際上實務上就不是這樣所以因為今天我們反映這個意見給你你去了解一下看這個狀況多不多"},{"start":184.907,"end":201.981,"text":"銀行遇到我剛講的狀況的時候是不是會很樂意的貸款還是說會找很多理由您可以去了解一下這是第一件事情第二件事情因為我們現在賴政府也在推自主都更我看卓鴻泰院長的講法是說自主都更比較好"},{"start":202.902,"end":222.392,"text":"因為他可以避免被建商扣掉行政成本嘛隆基的部分地主可以換得比較多對吧可是呢卓院長他提出來的方案呢是希望這些地主去找一個建金公司然後說建金公司後面會有金融支持然後也可以協助這個建築啊營建這一塊那不是一樣的意思"},{"start":223.291,"end":240.825,"text":"你現在只是把那些行政成本從建商轉移到建金公司啊那地主並沒有換你比較多啊還是一樣要付行政成本啊那自主都更是有一個啦就是如果說地主成立自主更新會自主更新會的話當然"},{"start":241.926,"end":270.618,"text":"他們的地主自己啊籌一個會然後去找銀行貸款然後再找建商來蓋的話當然行政成本就會比較低嘛但問題是自主更新會又會遇到一個問題銀行也不太會願意貸給自主更新會為什麼因為建商就是一個啊銀行跟他簽約簡單啊如果一百個地主咧那更多兩百個地主咧那銀行怎麼會願意去跟那麼多人簽所以這個部分我覺得你要給那個卓議院長建議啊"},{"start":272.179,"end":286.256,"text":"他如果要推置主都更當然很好因為現在我們那個危老很多嘛原來台灣幾十萬三十年以上屋齡的老房子要推當然是要做可是在貸款這塊會遇到問題沒有錯 那個總裁怎麼看"},{"start":286.636,"end":288.657,"text":"是 沒有錯 事實上內政部據我了解內政部他也要來修好像是他也有一個措施要來promote自主渡工他也來跟我們中央銀行接洽過我們也做了一些的建立給他"},{"start":312.546,"end":319.231,"text":"所以我是覺得剛剛你建議給他你沒有跟我講所以我也不知道你建議他什麼我剛剛講的問題會不會發生那你要怎麼解決"},{"start":325.949,"end":353.983,"text":"當然 這個應該是內政部的事情銀行貸款 銀行會願意去跟比如地主很多自主更新會這一塊對 他好像他也有一些的優惠要怎麼優惠來一個什麼優惠他有一個中介平台央行也去了解一下好 事實上有 前一陣子我們也有跟他那給我書面好不好 書面好啊 可以你剛剛什麼細節都沒講"},{"start":356.384,"end":377.632,"text":"這個蠻detail的啦你連大概都沒講而且這個又不是我們沒關係啦書面主席站起來了總裁就用書面打頭什麼時候書面給我這detail要用書面打頭對書面大概什麼時候一個月啦好不好這個也要一個月喔這個也要一個月兩個禮拜好了啦兩個禮拜啦謝謝好謝謝岳言之委員"}]},"gazette":{"lineno":1531,"blocks":[["葉委員元之：（11時36分）主席好。麻煩請總裁。"],["主席：請楊總裁。"],["楊總裁金龍：葉委員早。"],["葉委員元之：總裁，你好。我是想跟您反映有關於限貸令的問題，對於限貸令、政府的政策要打房，這些我都沒有意見，對於抑制房價，當然政府有政府的作法。"],["楊總裁金龍：是。"],["葉委員元之：但是想跟你反映幾個狀況，第一個狀況是針對換屋族。我們那邊有一個民眾想要換屋，換屋的原因是他本來有一個小孩，現在大了想要再生一個，但是原來的房子不夠住了就想要換，因為要買第二間，貸款就只能貸5成，銀行當然可以簽一個切結書，就是假設第一間在一年半之內賣掉的話就可以貸8成，但是如果沒有賣掉的話就要追回。因為一般銀行覺得麻煩，認為還要去追很麻煩，所以現在就很不容易貸款，於是目前就只有兩種作法，一種作法就是把第一間賣掉，然後去租房子，再想辦法買第二間。第二個就是以拖待變，反正小孩就先不生，再看看政府的政策有沒有改變來解決他目前遇到的困境。我覺得現在有國安問題，如果遇到年輕人想生小孩、想要換屋，但是在換屋這部分又遇到一些貸款的問題，讓他減少生小孩的意願，我不知道總裁這邊有什麼看法或一些配套措施嗎？"],["楊總裁金龍：跟委員報告，如果說你的鄰居面臨的這個問題……"],["葉委員元之：不是我的鄰居，是民眾反映。"],["楊總裁金龍：好，沒關係！民眾可以來業務局，我們有申訴的管道15線，他來申訴，看是他跟哪一家銀行申請，因為他符合資格，銀行卻說他沒有符合，其實有些時候兩造之間是必須對質的，也不一定是他講的就對。"],["葉委員元之：總裁，我跟你反映一下，這個是政策跟現實的落差，您最好可以去了解一下，因為銀行可以有各種……"],["楊總裁金龍：是，這個我們了解，這個案子呢……"],["葉委員元之：不是，你可以去了解，因為實際上他就是遇到這個困難，那您的意思是銀行不能拒絕貸款，只要能夠簽在一年半就一定要貸，您的想法是這樣嘛！否則申訴嘛！"],["楊總裁金龍：但是……"],["葉委員元之：等一下、等一下，我們先釐清問題，不然會吵不完啦！您的意思是他就是可以來檢舉啊、他可以來申訴啊！"],["楊總裁金龍：是。"],["葉委員元之：申訴這個銀行會有問題啊！"],["楊總裁金龍：是。"],["葉委員元之：但是實際上、實務上就不是這樣！"],["楊總裁金龍：實務上？"],["葉委員元之：所以今天我們就是反映這個意見給你，你去了解一下。"],["楊總裁金龍：是。"],["葉委員元之：看這個狀況多不多，銀行遇到我剛剛講的狀況是不是會很樂意的貸款，還是說會找很多理由？您可以去了解一下，這是第一件事情。"],["楊總裁金龍：好。"],["葉委員元之：第二件事情，因為現在賴政府也在推自主都更嘛！"],["楊總裁金龍：是。"],["葉委員元之：我看卓榮泰院長的講法是自主都更比較好，因為可以避免被建商扣掉行政成本，容積的部分地主可以換得比較多，對吧？"],["楊總裁金龍：嗯！"],["葉委員元之：可是卓院長提出來的方案，是希望地主去找建經公司，說建經公司後面會有金融支持，也可以協助建築、營建這一塊，那不是一樣的意思嘛！只是把那些行政成本從建商轉移到建經公司，地主並沒有換得比較多，還是一樣要付出行政成本。如果地主自己成立一個自主更新會，然後找銀行貸款，再找建商來蓋，當然行政成本會比較低，問題是自主更新會也會遇到一個問題，就是銀行不太願意貸款給自主更新會，為什麼？因為面對建商就只有一個，銀行跟他簽約簡單，如果是一百個或兩百個的地主，銀行怎麼會願意跟那麼多人簽約？針對這個部分，我覺得總裁要給卓院長建議，推自主都更當然很好，因為現在危老建物很多，全臺灣有幾十萬30年以上屋齡的老房子，當然要推，可是在貸款這塊可能會遇到問題。"],["楊總裁金龍：沒有錯、沒有錯。"],["葉委員元之：總裁怎麼看？"],["楊總裁金龍：是，沒有錯，事實上，據我了解，內政部好像有一個獎勵措施要來promote自主都更，他們也有跟中央銀行接洽過，我們也給他一些建議……"],["葉委員元之：什麼建議？"],["楊總裁金龍：所以我是覺得剛剛……"],["葉委員元之：你給他建議，但你沒有跟我講，所以我也不知道你建議他什麼啊！"],["楊總裁金龍：是、是，中央銀行……"],["葉委員元之：我剛剛講的問題會不會發生？你要怎麼解決？"],["楊總裁金龍：這應該是內政部的事情。"],["葉委員元之：不是，銀行貸款，銀行會願意提供地主很多的自主更新會貸款嗎？"],["楊總裁金龍：對，好像他也有一些優惠來……"],["葉委員元之：什麼優惠？"],["楊總裁金龍：他有一個……"],["葉委員元之：這部分請央行也去了解一下，好不好？"],["楊總裁金龍：好，好，事實上前一陣子我們也有跟他……"],["葉委員元之：給我書面，好不好？"],["楊總裁金龍：好啊！可以啊！"],["葉委員元之：你剛剛什麼細節都沒講。"],["楊總裁金龍：這個蠻detail的，所以……"],["主席：書面答復啦！"],["葉委員元之：你連大概都沒講，還detail咧！"],["楊總裁金龍：而且這個又不是我們……"],["葉委員元之：沒關係啦！主席站起來了，給我書面。"],["主席：總裁請用書面答復。"],["葉委員元之：什麼時候書面給我？什麼時候？"],["楊總裁金龍：一個月，好不好？"],["葉委員元之：這個也要一個月喔？"],["主席：兩個禮拜好了。"],["葉委員元之：兩個禮拜啦！"],["楊總裁金龍：好。"],["葉委員元之：謝謝。"],["主席：謝謝葉元之委員。","接下來請謝衣鳯委員質詢。"]],"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":[]}