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其實還是中東站是影響最大啦對對對 所以也就是說我們就是說它持續的時間它的強度 還有就是說它涵蓋的範圍這個都是我們密切注意的對啊 因為你們這個預測是說當時的油價是每桶85美元嗎是是是 不是每桶 是全年是全年好 那現在就是說看起來油價大概85大概 這個價格有點低估了啦"},{"start":128.556,"end":139.307,"text":"不一定現在我跟委員報告現在大部分的國際的機構大概也都是用全年85塊來做一個情境的分析當然他也有用70用80用100他也有但是普遍大部分都是用85"},{"start":152.419,"end":180.535,"text":"那所以總裁是對於這個7.28%7%以上的經濟成長率有信心就對了以目前來講的話因為我們在強調的就是說美國的四大CSP就是國際雲端服務供應商去年我們的出口很好就是跟美國的科技業是連在一起的這些的科技業它的投資如果說很好的時候"},{"start":181.704,"end":207.643,"text":"我們來出口就好所以總裁認為是台灣的基本面沒問題我基本上以目前來講的話我們的基本面還是穩健的所以消息面短暫會受到影響那當然是長期拉到比較久的時間就今年來講你對7%以上的經濟成長率還是有信心就對了到目前為止我們還是做這樣的一個預測那一個是經濟成長率一個就是CPI那CPI我看"},{"start":208.343,"end":212.845,"text":"總裁的這個報告還是說維持溫和的1.8%也跟國外的評價起來稍微低了一點我們高一點我們有高一點嗎我們高一點那不是有到2點多的嗎他們是1.76我們1.8"},{"start":226.373,"end":244.93,"text":"也有機構平均到2.2%因為每一個機構是不太一樣我們就是說這些著名的機構平均起來它是1.7%同樣的啦就是說油價在漲那當然我們現在油有讓它動漲或是說稍微吸收第二個就是電價也希望能夠維持這個動漲"},{"start":247.993,"end":275.01,"text":"這個油電的雙轉機制現在我們稍微把它稍微減緩了一下那可是呢這個會不會影響到說這個實質壽星階級的這個實質的薪資還是會受到影響勒是 會啦會啦還是會應該也會不過以目前1.8來講的話我認為他們還是可以吸收的啦還是可以吸收對 還是可以吸收的啦好"},{"start":275.492,"end":299.532,"text":"那現在有關房價的部分嘛然後這個房價這個房市信用管制部分這個央行現在把這個自然第二戶的購屋的貸款成數呢從五成放寬到六成那大家有在有在有在想就是說因為你們的報告也提出來就是說這個可能是會因為現在有這個大量新建住宅提出所以呢這個要持續呢"},{"start":300.776,"end":325.633,"text":"這個有這個推薦代售新成物的壓力所以適度調整把五成呢提高到六成有助於消化代售的新成物是不是大概是這個用意就希望說房市能夠軟著陸是啦當然是說希望他軟著陸啦不過呢就是說剛剛講的這個預售屋的這個問題只是其中一點而已啦最主要的我總覺得應該是最重要的就是說要呼應民間對第二戶的需求啦"},{"start":329.696,"end":348.74,"text":"因為我們在報告裡面我們有談就是說第二戶的需求其實一直都有可是我們之前沒有放範但是我們第二戶呢都是要必須要就是說我們是把它認為就是說如果說你是自住的自住的因為如果說我第一戶我給我的兒女我的太太或是我的父母但是我第二戶我是要我自己的"},{"start":356.121,"end":377.328,"text":"對 那你先就是說因為你從五成放寬到六成嘛對啊所以就是說呼應他們的需求啦真正的用意在哪裡對 呼應他們的需求啊第二個呢就是說我們的信用管制也有一定的成效了啦不能就是硬梆梆的在那邊啦這也是啦"},{"start":377.828,"end":387.335,"text":"那所以這個要預防或是說要讓希望讓這個房市軟著陸除了這個信用管制稍微放鬆之外還有其他的方式嗎"},{"start":389.872,"end":411.166,"text":"我想當然也許我們的產業也會因為我那個時候我也是覺得就是說要供體時間軟著陸的意思就是說你有些時候在價格上也應該要做一些給一般大眾的一個讓利供體時間"},{"start":418.431,"end":446.429,"text":"因為你如果說一直在硬在那邊會累積那個能量會累積到時候呢他的Supply太大的時候你這個就是說有點像那個是指價格希望能夠再往下應該就是說他可以在他的允許維持在一定的利潤的情況之下可以讓這個那總裁認為說大概讓多少是合理的讓利"},{"start":447.21,"end":447.278,"text":"谢谢大家"},{"start":448.434,"end":469.324,"text":"我也一直在想因為說實在的我對因為每一個廠商每一個廠商他的獲利是多少我都不曉得我們也沒辦法去知道啦只有建商他知道啦那這個呢就是要他自己評估啦那你如果評估的話假如說假如說他的我就說產業總長你對於這些這些每個我們說產業好了啦這個產業不要講說建商就這個產業來講"},{"start":477.427,"end":497.587,"text":"那總裁認為說大概是讓利多少是一個也可以讓房市能夠軟縮不過我跟委員報告啦說實在的啦在前幾年的時候他們我個人也許我講了他們不高興啦就是說事實上他們在前幾年他們賺的很多啦"},{"start":498.287,"end":515.472,"text":"賺的比較多那現在呢就是說慢慢的釋放出一些的話我總覺得在允許的範圍之內我覺得也可以讓所以總裁認為說稍微讓利其實是可以達到雙贏就對了讓利如果說讓利這個是供需嘛一樣的嘛這是供需啊"},{"start":516.052,"end":519.074,"text":"你的價格如果說能夠下降需求者覺得就是說這個是他符合他的需求的話那他當然他就會買啊你如果說硬梆梆的在那邊的時候價格抬那麼高的話那當然需求者他就不會進去啊那那個量就不會出來啊"},{"start":534.701,"end":556.509,"text":"最後我再問總裁就是說總統他有指示希望擴大自主都更這個政策然後卓議院長也希望說自主都更的時候要讓地主不要付大的成本來重建那因為現在《影安法》的第72條之二已經排除了都更危老的適用"},{"start":557.649,"end":575.737,"text":"但是呢你們還有一個對於各個銀行有這個不動產貸款集中度的自主管理那因為這一條會變成說讓這個自主都跟業者他們去申請貸款的時候其實是受到一些限制啦那其實過去內政部也有一個"},{"start":577.358,"end":591.613,"text":"也有跟央行有開過會嘛那也希望說是不是能夠放寬這個自主都更裡面那這個不要把這個自主都更的這個借貸的部分呢納入不動產這個貸款集中度裡面"},{"start":593.234,"end":620.407,"text":"這個謝局長好像也有來開過會嗎我跟委員報告說實在的啦事實上在我們選擇性信用管制的時候呢自主都更的這個部分都是我們排除的對象我們第一個排除在銀行法是有說排除在你的不公產集中管理啦那集中管理那我跟委員報告事實上我們集中管理對於那些就是說不必要你銀行不必要給他信用的"},{"start":621.189,"end":622.62,"text":"我們做這樣的反而對這個"},{"start":624.848,"end":642.222,"text":"自住的都更反而是有利所以我跟委員報告事實上從2021年他的本國銀行都更這個我們報告裡面都有我知道可是你這我現在是特別指說自主都更的部分沒有自主性都更跟這個都是包含在這裡面事實上你在講這個的時候我也跟委員報告事實上我們也跟有內政部開過會"},{"start":653.911,"end":679.102,"text":"開國會他就說你這個要換刊事實上我們跟他解釋了以後他就接受了所以當你現在有沒有納入普通產的集中的管理的額度裡面都已經就是說他都接受我們的說法也就是說都更的這個部分我們都把他排除在外了有排除在外就對了他不會影響到他所以他也一直就是說後來他就接受了"},{"start":679.562,"end":680.506,"text":"OK 好 謝謝謝謝主席 謝謝總裁 謝謝坤臣接著我們請吳秉瑞召委質詢"}]}},"supported_relations":[],"relations":[]}