{"error":false,"id":["169894"],"data":{"IVOD_ID":169894,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/169894","日期":"2026-06-10","會議資料":{"會議代碼":"委員會-11-5-20-18","會議代碼:str":"第11屆第5會期財政委員會第18次全體委員會議","屆":11,"會期":5,"會次":18,"臨時會會次":null,"種類":"委員會","委員會代碼":[20],"委員會代碼:str":["財政委員會"],"標題":"第11屆第5會期財政委員會第18次全體委員會議"},"影片種類":"Clip","開始時間":"2026-06-10T09:21:33+08:00","結束時間":"2026-06-10T09:33:15+08:00","影片長度":"00:11:42","支援功能":["ai-transcript"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/dee24285c0428ea5dee115410e4ce5e421dd72608bfb9572a83ef3dae05f6823620d634c767349af5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"林德福","委員發言時間":"09:21:33 - 09:33:15","會議時間":"2026-06-10T09:00:00+08:00","會議名稱":"立法院第11屆第5會期財政委員會第18次全體委員會議（事由：一、審查中華民國115年度中央政府總預算案附屬單位預算營業部分關於中央銀行（含中央造幣廠、中央印製廠）。（詢答及處理）\n二、審查中華民國115年度中央政府總預算案附屬單位預算營業部分，關於財政部主管中國輸出入銀行、臺灣金融控股股份有限公司（含臺灣銀行股份有限公司、臺銀人壽保險股份有限公司、臺銀綜合證券股份有限公司）。（僅詢答）\n【6月10日及11日兩天一次會】\n【預算提案截止時間：第一案6月10日（三）上午10時，第二案6月10日（三）下午5時】）","transcript":{"pyannote":[{"speaker":"SPEAKER_02","start":5.734718750000001,"end":7.35471875},{"speaker":"SPEAKER_02","start":7.86096875,"end":15.657218750000002},{"speaker":"SPEAKER_01","start":12.231593750000002,"end":12.36659375},{"speaker":"SPEAKER_01","start":12.383468750000002,"end":12.46784375},{"speaker":"SPEAKER_02","start":19.36971875,"end":20.247218750000002},{"speaker":"SPEAKER_02","start":20.65221875,"end":21.36096875},{"speaker":"SPEAKER_02","start":22.00221875,"end":23.352218750000002},{"speaker":"SPEAKER_02","start":24.094718750000002,"end":46.72409375},{"speaker":"SPEAKER_02","start":46.82534375,"end":48.86721875},{"speaker":"SPEAKER_02","start":49.28909375,"end":71.63159375000001},{"speaker":"SPEAKER_02","start":71.86784375,"end":74.68596875},{"speaker":"SPEAKER_02","start":75.09096875,"end":77.52096875000001},{"speaker":"SPEAKER_02","start":77.74034375000001,"end":85.01346875},{"speaker":"SPEAKER_02","start":85.23284375,"end":86.26221875},{"speaker":"SPEAKER_01","start":86.31284375,"end":137.66346875000002},{"speaker":"SPEAKER_02","start":137.42721875,"end":139.97534375},{"speaker":"SPEAKER_01","start":139.97534375,"end":140.41409375},{"speaker":"SPEAKER_01","start":140.70096875000002,"end":140.97096875},{"speaker":"SPEAKER_02","start":140.97096875,"end":141.03846875000002},{"speaker":"SPEAKER_01","start":141.03846875000002,"end":141.17346875},{"speaker":"SPEAKER_02","start":141.17346875,"end":141.37596875},{"speaker":"SPEAKER_01","start":141.37596875,"end":141.81471875},{"speaker":"SPEAKER_01","start":142.16909375,"end":142.75971875000002},{"speaker":"SPEAKER_02","start":142.64159375,"end":143.21534375000002},{"speaker":"SPEAKER_01","start":142.87784375,"end":161.42346875},{"speaker":"SPEAKER_02","start":162.70596875,"end":163.97159375},{"speaker":"SPEAKER_01","start":163.97159375,"end":164.07284375},{"speaker":"SPEAKER_02","start":164.07284375,"end":164.08971875},{"speaker":"SPEAKER_01","start":164.08971875,"end":164.25846875000002},{"speaker":"SPEAKER_02","start":164.25846875000002,"end":164.29221875000002},{"speaker":"SPEAKER_02","start":164.91659375,"end":165.55784375000002},{"speaker":"SPEAKER_02","start":166.26659375,"end":182.28096875},{"speaker":"SPEAKER_02","start":182.63534375,"end":197.19846875000002},{"speaker":"SPEAKER_02","start":197.60346875000002,"end":202.19346875000002},{"speaker":"SPEAKER_02","start":202.42971875,"end":212.26784375000003},{"speaker":"SPEAKER_02","start":212.72346875000002,"end":213.82034375},{"speaker":"SPEAKER_01","start":214.46159375000002,"end":241.17471875},{"speaker":"SPEAKER_01","start":241.52909375000002,"end":242.45721875},{"speaker":"SPEAKER_02","start":242.82846875,"end":243.38534375},{"speaker":"SPEAKER_01","start":243.38534375,"end":243.72284375},{"speaker":"SPEAKER_02","start":243.72284375,"end":250.70909375000002},{"speaker":"SPEAKER_02","start":251.28284375,"end":257.74596875000003},{"speaker":"SPEAKER_01","start":257.99909375000004,"end":270.87471875},{"speaker":"SPEAKER_02","start":270.87471875,"end":277.33784375},{"speaker":"SPEAKER_01","start":277.33784375,"end":277.89471875000004},{"speaker":"SPEAKER_02","start":277.82721875000004,"end":291.02346875},{"speaker":"SPEAKER_01","start":291.02346875,"end":321.24659375000005},{"speaker":"SPEAKER_02","start":321.51659375,"end":350.25471875},{"speaker":"SPEAKER_02","start":350.82846875,"end":353.00534375},{"speaker":"SPEAKER_02","start":353.34284375000004,"end":354.57471875000005},{"speaker":"SPEAKER_02","start":355.19909375000003,"end":360.81846875},{"speaker":"SPEAKER_02","start":361.13909375000003,"end":384.02159375},{"speaker":"SPEAKER_00","start":386.43471875,"end":407.57909375},{"speaker":"SPEAKER_02","start":405.48659375000005,"end":411.91596875000005},{"speaker":"SPEAKER_00","start":410.80221875,"end":435.62534375},{"speaker":"SPEAKER_02","start":427.35659375,"end":428.48721875},{"speaker":"SPEAKER_02","start":429.43221875,"end":429.87096875000003},{"speaker":"SPEAKER_02","start":432.62159375000005,"end":432.82409375000003},{"speaker":"SPEAKER_02","start":435.62534375,"end":449.17596875000004},{"speaker":"SPEAKER_02","start":449.59784375000004,"end":466.37159375000005},{"speaker":"SPEAKER_02","start":466.60784375000003,"end":473.18909375000004},{"speaker":"SPEAKER_02","start":473.29034375000003,"end":483.04409375000006},{"speaker":"SPEAKER_02","start":483.49971875000006,"end":489.97971875},{"speaker":"SPEAKER_01","start":485.72721875,"end":485.92971875},{"speaker":"SPEAKER_01","start":489.97971875,"end":490.04721875},{"speaker":"SPEAKER_01","start":490.31721875000005,"end":490.33409375},{"speaker":"SPEAKER_02","start":490.33409375,"end":491.71784375000004},{"speaker":"SPEAKE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是不是請央行的楊總裁 還有財政部的莊部長總裁你好 我請教"},{"start":24.161,"end":38.375,"text":"那個喬水基金創辦人達里歐近期接受訪問他認為美國正面臨貨幣、政治、國際秩序三大系統同步的崩壞"},{"start":40.036,"end":57.75,"text":"並預言伊朗戰爭可能成為終結美元霸權的蘇伊士時刻但也有專家認為說美國發動中東戰爭背後目的就是要改變整個石油能源的供給結構"},{"start":59.671,"end":71.479,"text":"同時也鞏固美元的霸權美國目前穩居全球最大的產油國的地位原油日均產量維持在1350萬桶到1370萬桶的歷史高位區間對此楊總裁你有如何的評估地緣政治風險對美元的影響"},{"start":85.327,"end":111.476,"text":"有沒有什麼看法是 報告委員基本上這一次就說美伊伊戰爭跟原先的預期稍微久一點所以它對石油的價格的影響也稍微長一點就高 然後長一點不過目前也慢慢地下來了"},{"start":115.937,"end":139.447,"text":"這個戰爭對美元的霸權是不是會有很深遠的影響以目前來看如果說事實上在中東戰爭還有其他的地緣政治來看的話美元的地位到目前為止我總覺得它還是保持著全球最重要的一個你認為有沒有巨美元化的可能"},{"start":140.828,"end":161.397,"text":"去美元化如果說會有去美元化的一個現象的話那大概就是說這個是一個比較長遠的一個現象那如果說從可預見的將來來看的話我個人還是認為美元還是主導整個全球的金融制度那個總裁"},{"start":164.983,"end":180.43,"text":"央行將於6月18日召開第二季的禮監事會外界預估6月央行不升息的機率比較高暫時按兵不動那央行前陣子談到K型經濟下"},{"start":182.751,"end":211.991,"text":"依賴整個總體經濟金融指標的可能會誤導央行的決策也沒有辦法只仰賴利率工具可能還需要搭配更精準的政策措施因為一旦升息中低所得這些家庭加重其借貸負擔並縮減實質的購買力我請問總裁央行所謂的更精準的政策措施"},{"start":212.833,"end":213.539,"text":"有可能是哪些"},{"start":214.842,"end":240.849,"text":"事實上中央銀行的一個譬如說除了穩定匯率是一個措施那另外一個剛剛委員所說的就是利率調整那第三個我們平常所使用的就是公開市場操作就是資金的進出資金的收來放出去 收來放出去那第四個就是我們的存款準備金"},{"start":243.03,"end":270.539,"text":"總裁會不會跨部會合作透過財政部的降稅措施或者是行政院加大補貼以緩和低所得家庭受到長期通膨物價的影響會不會我想財政部他基於他的職權我相信他會很謹慎的來執行他本身的一個稅方面的一個政策"},{"start":270.919,"end":294.839,"text":"因為這一段時間大家都看到確實很多物價真的是在往上拉所以說很多一般的平民百姓你除了這些操作AI的這些可能會不影響以外一般平民百姓真的是衝擊很大基本上我跟委員報告就是說"},{"start":296.12,"end":317.204,"text":"是五月份的那個物價是有上漲啦不過長期以來 長期間各個機構對我們台灣的一個物價的一個預測呢基本上他們都認為是穩定的那相較於其他的主要經濟體來講的話呢台灣的一個物價還算是平穩的"},{"start":321.545,"end":349.534,"text":"好那個總裁台積電前景看好那網友流傳順口溜啊相信魏哲嘉明年買新家前陣子股東大會啊魏哲嘉董事長還說請繼續買台積電股票許多民眾啊延後買房的需求紛紛把這個資金投入股市提早賺到買房的頭期款不過啊根據內政部最新的統計"},{"start":350.914,"end":357.764,"text":"今年累計四個月全台建物買賣整個移轉的棟數約差不多8.05萬棟年減4.9%顯示股市熱絡房市冷清"},{"start":366.937,"end":383.802,"text":"那有專家認為說新清安政策應該轉型為全民啊守夠安心成家的政策不應該要有年齡收入房價貸款等這些限制那請問財政部莊部長你有什麼看法委員清安貸款從民國99年執行以來然後在112年的時候實施所謂的新清安到今年7月"},{"start":395.812,"end":413.407,"text":"它主要的目標還是在協助沒有自有住宅房屋的民眾去購買一間房屋來做自住使用所以政府有相關的一些措施所以說你要是協助你不要說一定定位在某某個年齡層這個很重要啊在7月31號新青安屆期以後後續如何的執行我們也在聽取各界的意見而且財政部也邀集了相關的部會一起來討論"},{"start":422.894,"end":448.275,"text":"我們會從民眾的需求 金融市場 房地產市場等多面向來考慮然後將會提出方案我們當時也說希望是在六月底前提出整個方案然後跟社會各界來做說明那個部長新青安2.0的政策傳聞滿天輝那拔草側風向財政部說六月底剛剛您有講一定會公布時間越靠近外界的預測會"},{"start":449.716,"end":464.463,"text":"有啊這些申請人的年齡還有貸款的年限不超過80的80條以年所得200萬以上家庭不得申請的排付條款外界是希望趕快把遊戲規則來做公布"},{"start":468.146,"end":480.639,"text":"讓有自助需求的這些民眾有充足的時間來研究哪一個貸款的方案比較適合自己對於新清安的2.0政策中央銀行是否有參與討論那個楊總裁你們有沒有參與討論"},{"start":484.224,"end":505.776,"text":"是有的有齁那對星期二點您的相關方案是否都大致認同我想因為現在都院裡面事實上我們還有相關的單位財政部也有召開幾次的討論行政院也有召開幾次的討論"},{"start":507.077,"end":532.306,"text":"央行是否又會對這些房市重新上演信用管制的措施會不會我想到目前為止選擇性信用管制到目前為止事實上是就到這裡中央銀行5月公布金融穩定報告提到國內股市結構對科技產業依賴程度偏高"},{"start":533.166,"end":550.272,"text":"若相關產業緊急出現波動恐擴大整個股市整體波動的幅度加以近期市場對AI這些相關產業高估值之餘力升溫短期可能加劇整個股價的震盪長期若AI發展未如預期"},{"start":553.973,"end":581.3,"text":"亦可能引發評價修正的風險那因為地緣政治風險升高可能會影響整個全球供應鏈及科技產業發展進一步來增添整個市場不確定性相關影響事宜繼續關注那多間的這些投顧預測今年台股有望挑戰這個五萬點的大關那我請問央行有看到台股熊市的跡象嗎"},{"start":581.98,"end":608.406,"text":"有沒有我跟委員報告就是說我們的穩定報告裡面有提到說這個AI的那個就是說是會有過熱的一個現象事實上這個是我們的穩定報告引用IMF的一個報告而不是我們的本身的一看法他是就整體來看那至於就是說"},{"start":609.867,"end":623.042,"text":"至於就是說我們台股是熊市那這個就是說投資人在因為他速度快這樣的速度快投資人呢這個事實上的股市不是中央銀行的資權"},{"start":624.924,"end":640.102,"text":"總裁 站在金融穩定的立場來看台股外界擔心世代同行 貸款的貸喔世代同行的現象越來越多資金落大幅度的流向股市那請問央行對台灣的整體產業發展有沒有隱憂"},{"start":642.945,"end":664.992,"text":"我想他的資金往股市這邊事實上據我了解金管會是在密切注意他現在是很嚴重喔真的喔 那些年輕人都跑去做當沖甚至於人帶的都帶"},{"start":667.493,"end":688.798,"text":"股市有一天要是真的走到那個整個下滑你看那時候會怎麼辦很嚴重喔你們應該要去做多方面的考量跟呼籲事實上我跟委員報告目前最近的一個修正下檔修正我認為那是健康的啦"},{"start":689.699,"end":692.403,"text":"那有的時候不能只是上沒有下但是他最近的一個修正我個人認為那是健康的OK 好 希望如此謝謝林德福委員下一位資訊委員"}]}},"supported_relations":[],"relations":[]}