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那七月的時候看到什麼樣的房市的問題呢"},{"start":104.163,"end":127.555,"text":"你在講這個政策利率基本上我們的政策利率就是說是針對通膨但是會影響到銀行在訂定他們的貸款的他的貸款的利率是由他自己來決定的所以呢也就是說我們訂定政策利率但是呢"},{"start":129.493,"end":150.423,"text":"政策利率會影響到他們的存款利率他們的存款利率就會影響到他要加碼多少作為他的放款的利率所以呢也就是說放款利率他要加碼多少是由他來決定的但是因為你政策利率但我現在的意思在於說一般是認為說你們是在踩煞車"},{"start":152.625,"end":168.024,"text":"基本上到目前為止的話呢我們如果說選擇性信用管制到目前為止的話呢我們就說是第七波第七波到這裡的時候呢我們應該可以算是說他還是踩煞車啦"},{"start":168.925,"end":180.04,"text":"他還是踩煞車所以也就在這裡至於到這裡的以後要怎麼樣我們的滾動式的修正的因素在影響項目是什麼我們的滾動式的檢討就是說我們到這裡的時候好下一步我們要怎麼走"},{"start":186.909,"end":191.991,"text":"對 但是我說你影響你會做這樣去轉彎的原因或是改變的原因的項目是什麼這是本席要問的那現在就所以呢也就是說我們有提了三個意見嘛三個意見我們第一個意見就是說當時我們就說你那個集中度你對房地產的那個放款的集中度呢"},{"start":213.935,"end":236.512,"text":"在很高的時候是36.71那我們覺得36.71太高了一直高上去從35左右34點幾一直上升到36.71很高所以現在目前它是已經因為我們選擇性信用管制下去了以後它就慢慢的下來下來到哪裡下來到35.2左右"},{"start":239.554,"end":246.159,"text":"35.2的話我們就說有改善但是我們認為就是說它的改善是它的資金房市還是有增加但是它有一部分的資金不是到產業去它是到股市去我們認為到股市去跟我們原先要規劃就是說你要到產業去"},{"start":269.375,"end":291.802,"text":"所以我們就說這一點我們要繼續觀察第二個我們從2020年我們台灣的房價就一直在上升一直上升 上升到目前為止我們的房價它的成長它的成長率是世界裡面是最高的我們在報告裡面都有講"},{"start":293.122,"end":311.409,"text":"它很高啊 而且我們的房屋的負擔率也是最高的所以是房價成長率是高的那第三個呢第三個就是說其他的政府的政策如果說推出來了以後呢那會不會影響到房地產我們必須要觀察"},{"start":312.708,"end":330.504,"text":"好所以就是新清安了嘛對不對CIPO可能就是新清安了對不對他也是包括啦對那我想請問說那財政部月底要公布了新清安的這個方案央行對於房貸放款的態度就是因為你們大概內部應該都有討論過有有有討論過基本上我們會尊重財政部跟內政部的一個意見"},{"start":330.984,"end":331.925,"text":"我們也有提供意見給財政部意見的方向"},{"start":353.286,"end":358.831,"text":"我們比方說寬限旗寬限旗我們就說寬限旗有一點長但是後來他們解釋他們認為寬限旗用到那麼長的不高這是第一個"},{"start":368.699,"end":387.292,"text":"五年寬限期就是這麼大部位對五年就是說應用到這個寬限期五年的他在所有的在所有的那個那個那個申請清清安的那個的貸款的人不高他就說只有大概20%而已第二個呢他認為銀行可以做很嚴格的一個控管我也覺得就是說他們這樣子解釋我總覺得他們講的也有道理啊"},{"start":396.113,"end":419.68,"text":"那40年的還款代款期應該怎麼樣40年因為現在如果說救一些所得低的人40年給他我也覺得也是應該可以啦但是也不是說40年你訂40年他銀行就一定都要給他40年"},{"start":420.714,"end":432.803,"text":"他也要看他的那個什麼所得情況啊他的信用狀況啊那他要求40年的時候他也不一定會給他40年他也許也給他只有30年好 那時間所限喔這個是銀行他也必須要去把關的好 你就是說因為銀行會在把關的這部分那就是說你已經把你的意見有跟了對 所以你就說40年他40年好像就很長但是呢銀行也不見得會給他40年啦"},{"start":447.608,"end":468.713,"text":"好 那還有其他的您特別關注的我覺得我們大概就是這幾個意見那我們繼續再往下看不好意思怎麼轉到繼續往下去看另外在幾個月之前我們有去看到央行所謂的財經公司那這個部分看到的QW"},{"start":470.513,"end":493.958,"text":"TWQR的這個成功整合40家的這個行動的支付那大家在買東西付帳的時候就透過這個國家級的QR Code就可以再過跨平台的跨銀行的這個支付很順的部分但是呢我們看到的是這個當然我本席就是予以肯定啦但是有個問題是說呢當地方的政府福利全面轉向數位發行最需要"},{"start":495.058,"end":519.246,"text":"照顧的這個長照或是長照或者是社會救助的高齡長者或是弱勢族群往往面臨著嚴重的數位落差的時候請問總裁在是不是要同意找財經公司在配合辦理這項業務的時候如何去確保這些弱勢的民眾的權益不會被排擠而漏接啊我請那個業務局局長來回答你這個問題好嗎好"},{"start":522.7,"end":546.941,"text":"據我們了解是因為現在那個用戶在用TWQ付款碼的時候因為這個手機有截圖還有給人家翻拍這樣的情況所以造成截圖之後被不肖者翻拍之後拿去做詐騙的一個付款那你們怎麼因應呢現在財經公司已經跟參加機構講好要辦理的事項第一項就是取消這個付款碼截圖的功能不能截圖了"},{"start":547.878,"end":554.904,"text":"第二個就是說QR Code這個付款碼如果顯示出來要給商店去付款收款的時候上面會有跑馬燈就預防詐騙那如果被翻拍之後不肖司徒拿到的那個就沒有跑馬燈那銀行就要跟商店講沒有跑馬燈的你不可以收款那這個已經請參加機構再辦理了所以財經公司有配合這個政府的一個預防詐騙的一個做法已經在做了好"},{"start":576.282,"end":589.866,"text":"謝謝 那另外一個問題就是說呢因為財經公司他單日上午的相關平台的交易金額都超過六千億嘛我們那天也大概有看到那未來承接更多公共福利跟民眾個資之後央行跟金管會對於財經公司的這個資安審查是否有更高規格的監督機制來確保數位安全的這個轉型"},{"start":595.509,"end":615.486,"text":"目前那個財經在做資安的安全是符合國際標準的去在做的那相關的一個資訊的檢查金管會都會定期去做檢查那這部分如果說他有一些資安的問題也會通報央行那我們也不去了解那目前來看他都是符合國際標準的所以這個案子主要是因為消費者"},{"start":616.647,"end":623.75,"text":"其實QR Code本身是沒有問題的啦是因為消費者的這種被人家截圖被人家翻拍這種功能所以現在就是把這種手機的截圖跟翻拍功能給它這個強化以上說明那本席其實還簡單的再問一下一個問題因為大學生都封了股市借貸的拼當沖啦這次看到說如何健全青年的信用體系跟財商教育這部分就是因為教育"},{"start":645.547,"end":651.649,"text":"總裁你本身過去在念的是大學是念財經的部分嘛那想說怎麼樣財商的觀念跟風險意識能不能給年輕人一些的建議簡單說一下我想是這樣啦就投資人來講像我來講的話我們要穩健不要過度槓桿"},{"start":667.57,"end":693.487,"text":"基本上也許我是比較傳統我有多少錢我才會投資多少現在是因為信用的問題有一些年輕人喜歡用槓桿因為這一波他喜歡用槓桿槓桿的時候上去的話他的獲利會加大是沒有錯但是如果說在某一天因為這某一天我們不曉得如果他還轉下來的時候他可能會受傷"},{"start":697.51,"end":717.472,"text":"所以投資人要自己要有那個風險的意識要有風險的意識那事實上呢在金融的這個資本市場的一個教育裡面啊我覺得那個什麼金管會他做得很好啊他都也有做一些的那個教育所以基本上就只有這樣子好就這樣謝謝央行總裁給了我們年輕人這樣子非常寶貴的經驗好謝謝主席謝謝我們接下來請"}],"gazette":[{"speaker":"劉委員書彬","start":"2026-07-09T10:05:43.920000+08:00","guessed":false,"end":"2026-07-09T10:05:45.683000+08:00","text":"謝謝主席，有請楊總裁。","quality":0.889},{"speaker":"主席","start":"2026-07-09T10:05:45.683000+08:00","guessed":true,"end":"2026-07-09T10:05:50.888500+08:00","text":"請總裁。","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:05:50.888500+08:00","guessed":true,"end":"2026-07-09T10:05:56.094000+08:00","text":"劉委員早。","quality":0},{"speaker":"劉委員書彬","start":"2026-07-09T10:05:56.094000+08:00","guessed":false,"end":"2026-07-09T10:05:56.294000+08:00","text":"總裁早。","quality":1},{"speaker":"劉委員書彬","start":"2026-07-09T10:05:57.475000+08:00","guessed":false,"end":"2026-07-09T10:06:03.260000+08:00","text":"央行自從推出第七波信用管制以來，確實抑制了投機的熱錢進入房市，2026年的數據整體看來，房市是呈現量縮、價格盤整的格局。","quality":1},{"speaker":"劉委員書彬","start":"2026-07-09T10:06:03.681000+08:00","guessed":false,"end":"2026-07-09T10:06:18.855000+08:00","text":"上個月總裁表示短期內不會再加碼第八波，是不是表示這個任務已經完成？","quality":0.935},{"speaker":"劉委員書彬","start":"2026-07-09T10:06:19.756000+08:00","guessed":false,"end":"2026-07-09T10:06:36.631000+08:00","text":"我們這幾年看到的房市政策，市場的解讀依然是財政部是在踩油門，央行是在踩煞車，可是上次第七波對於一些由小換大的真自住換屋族其實造成了一些傷害。","quality":0.955},{"speaker":"劉委員書彬","start":"2026-07-09T10:06:37.652000+08:00","guessed":false,"end":"2026-07-09T10:06:59.328000+08:00","text":"我們繼續再往下看，央行因應民怨，在3月份時稍微做了一些調整，把第二戶的貸款上限從五成稍微調到六成，但是面對不同購屋族的需求，央行的態度都是說要滾動式的修正。","quality":0.972},{"speaker":"劉委員書彬","start":"2026-07-09T10:07:00.009000+08:00","guessed":false,"end":"2026-07-09T10:07:10.758000+08:00","text":"因此本席想要問，影響央行「滾動式檢討」政策利率的因素為何？","quality":0.84},{"speaker":"劉委員書彬","start":"2026-07-09T10:07:12.239000+08:00","guessed":false,"end":"2026-07-09T10:07:13.540000+08:00","text":"到7月的時候，又看到什麼房市的問題了？","quality":0.812},{"speaker":"楊總裁金龍","start":"2026-07-09T10:07:16.163000+08:00","guessed":false,"end":"2026-07-09T10:07:24.147000+08:00","text":"你在講政策利率，基本上我們的政策利率是針對通膨。","quality":1},{"speaker":"劉委員書彬","start":"2026-07-09T10:07:24.147000+08:00","guessed":false,"end":"2026-07-09T10:07:30.991000+08:00","text":"但是會影響到銀行訂定房屋貸款的……","quality":0.867},{"speaker":"楊總裁金龍","start":"2026-07-09T10:07:31.391000+08:00","guessed":false,"end":"2026-07-09T10:07:51.498000+08:00","text":"貸款的利率是由他們自己決定的，也就是我們訂定政策利率，但是政策利率會影響到他們的存款利率，而他們的存款利率就會影響到他要加碼多少作為他放款的利率。","quality":0.971},{"speaker":"楊總裁金龍","start":"2026-07-09T10:07:54.339000+08:00","guessed":false,"end":"2026-07-09T10:07:57.300000+08:00","text":"因此放款利率要加碼多少，是由他來決定的，因為……","quality":0.8},{"speaker":"劉委員書彬","start":"2026-07-09T10:07:57.961000+08:00","guessed":false,"end":"2026-07-09T10:08:02.423000+08:00","text":"對，但是因為你的政策利率……我現在的意思是，一般認為你們是在踩煞車……","quality":0.897},{"speaker":"楊總裁金龍","start":"2026-07-09T10:08:04.625000+08:00","guessed":false,"end":"2026-07-09T10:08:24.229000+08:00","text":"基本上到目前為止，我們說選擇性信用管制到第七波這裡應該可以算是踩煞車啦，就是到這裡。","quality":0.949},{"speaker":"楊總裁金龍","start":"2026-07-09T10:08:24.229000+08:00","guessed":false,"end":"2026-07-09T10:08:27.374000+08:00","text":"至於到這裡以後要怎麼樣，我們的……","quality":1},{"speaker":"劉委員書彬","start":"2026-07-09T10:08:27.995000+08:00","guessed":false,"end":"2026-07-09T10:08:29.857000+08:00","text":"所以影響滾動式修正的因素是什麼？","quality":0.733},{"speaker":"楊總裁金龍","start":"2026-07-09T10:08:29.857000+08:00","guessed":false,"end":"2026-07-09T10:08:32.020000+08:00","text":"我們滾動式的檢討就是執行到這裡的時候，要看下一步要怎麼走……","quality":0.852},{"speaker":"劉委員書彬","start":"2026-07-09T10:08:38.909000+08:00","guessed":false,"end":"2026-07-09T10:08:40.189000+08:00","text":"對，但是我是說影響央行政策轉彎或是改變的原因是什麼，這是本席要問的。","quality":0.839},{"speaker":"楊總裁金龍","start":"2026-07-09T10:08:40.870000+08:00","guessed":false,"end":"2026-07-09T10:09:28.492000+08:00","text":"所以當時我們有提了三個意見，第一個意見，當時我們認為房地產貸款集中度……很高的時候是36.71，我們覺得36.71太高了，因為是從35左右、三十四點幾一直上升到36.71，很高嘛，目前因為我們選擇性信用管制政策下去了以後，它就慢慢的下來到35.2左右。","quality":0.816},{"speaker":"劉委員書彬","start":"2026-07-09T10:09:28.492000+08:00","guessed":true,"end":"2026-07-09T10:09:31.554000+08:00","text":"就達到目的了？","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:09:31.554000+08:00","guessed":false,"end":"2026-07-09T10:09:31.974000+08:00","text":"到了35.2時，我們就說有改善。","quality":0.727},{"speaker":"劉委員書彬","start":"2026-07-09T10:09:31.974000+08:00","guessed":true,"end":"2026-07-09T10:09:32.974000+08:00","text":"降下來了。","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:09:32.134000+08:00","guessed":false,"end":"2026-07-09T10:10:04.556000+08:00","text":"我們認為雖然有改善，房市也還是有增加，但是有一部分的資金不是到產業去，是到股市去，我們認為到股市去跟我們原先規劃要到產業去不同，所以這一點我們要繼續觀察，這是第一個。","quality":0.855},{"speaker":"楊總裁金龍","start":"2026-07-09T10:10:06.757000+08:00","guessed":false,"end":"2026-07-09T10:10:30.484000+08:00","text":"第二個，從2020年臺灣的房價就一直在上升，上升到目前為止，我們房價的成長率是世界裡面最高的，我們在報告裡面都有講到它很高，而且我們房屋的負擔率也是最高的。","quality":0.985},{"speaker":"劉委員書彬","start":"2026-07-09T10:10:30.684000+08:00","guessed":false,"end":"2026-07-09T10:10:34.266000+08:00","text":"所以房價成長率是高的，第三個呢？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:10:34.786000+08:00","guessed":false,"end":"2026-07-09T10:10:43.389000+08:00","text":"第三個就是其他的政府政策，如果推出來了以後會不會影響到房地產，我們必須要觀察。","quality":1},{"speaker":"劉委員書彬","start":"2026-07-09T10:10:44.928000+08:00","guessed":false,"end":"2026-07-09T10:10:46.309000+08:00","text":"所以就是新青安，對不對？","quality":0.9},{"speaker":"劉委員書彬","start":"2026-07-09T10:10:46.970000+08:00","guessed":false,"end":"2026-07-09T10:10:48.211000+08:00","text":"這一波可能就是新青安了，對不對？","quality":0.714},{"speaker":"楊總裁金龍","start":"2026-07-09T10:10:48.431000+08:00","guessed":false,"end":"2026-07-09T10:10:48.872000+08:00","text":"它也是包括。","quality":0.8},{"speaker":"劉委員書彬","start":"2026-07-09T10:10:49.913000+08:00","guessed":false,"end":"2026-07-09T10:10:56.118000+08:00","text":"我想請問財政部，月底要公布新青安的這個方案，央行對於房貸放款的態度是什麼？","quality":0.912},{"speaker":"劉委員書彬","start":"2026-07-09T10:10:56.558000+08:00","guessed":false,"end":"2026-07-09T10:10:58.420000+08:00","text":"因為你們內部應該都有討論過。","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:10:58.620000+08:00","guessed":false,"end":"2026-07-09T10:11:02.504000+08:00","text":"有，有討論過，基本上，我們會尊重財政部跟內政部的意見。","quality":1},{"speaker":"劉委員書彬","start":"2026-07-09T10:11:02.504000+08:00","guessed":true,"end":"2026-07-09T10:11:03.504000+08:00","text":"財政部基本上是要把目前一些弊病的部分修訂，你們看到這些弊病，例如說所得的部分，年所得200萬都沒有限制；年齡的部分……","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:11:02.984000+08:00","guessed":false,"end":"2026-07-09T10:11:03.505000+08:00","text":"我們也有提供意見給財政部。","quality":1},{"speaker":"劉委員書彬","start":"2026-07-09T10:11:03.645000+08:00","guessed":false,"end":"2026-07-09T10:11:03.905000+08:00","text":"意見的方向可不可以初步透露？","quality":0.385},{"speaker":"楊總裁金龍","start":"2026-07-09T10:11:25.306000+08:00","guessed":false,"end":"2026-07-09T10:11:30.831000+08:00","text":"比如像寬限期，我們就說寬限期有一點長，但是後來他們解報說寬限期會用到那麼長的比率不高，這是第一個。","quality":0.778},{"speaker":"劉委員書彬","start":"2026-07-09T10:11:40.699000+08:00","guessed":false,"end":"2026-07-09T10:11:41.380000+08:00","text":"用五年寬限期的不會這麼多？","quality":0.417},{"speaker":"楊總裁金龍","start":"2026-07-09T10:11:41.620000+08:00","guessed":false,"end":"2026-07-09T10:11:56.851000+08:00","text":"就是運用到寬限期五年的，在所有申請新青案貸款的人比率不高，他就說大概只有20%而已。","quality":0.784},{"speaker":"楊總裁金龍","start":"2026-07-09T10:11:56.871000+08:00","guessed":false,"end":"2026-07-09T10:11:59.252000+08:00","text":"第二個，他認為銀行可以做很嚴格的控管，我覺得他們這樣子解釋講得也有道理。","quality":0.97},{"speaker":"劉委員書彬","start":"2026-07-09T10:12:08.113000+08:00","guessed":false,"end":"2026-07-09T10:12:12.854000+08:00","text":"好，那40年的貸款期應該怎麼樣？","quality":0.833},{"speaker":"楊總裁金龍","start":"2026-07-09T10:12:13.515000+08:00","guessed":false,"end":"2026-07-09T10:12:41.260000+08:00","text":"現在如果就一些所得低的人，40年貸款期給他，我也覺得應該可以，但是也不是你訂40年，銀行就一定要核給他40年，也要看他的所得情況、信用狀況，他要求40年的時候，銀行也不一定會給他40年，也許只有給他30年，這是銀行必須要去把關的。","quality":0.902},{"speaker":"劉委員書彬","start":"2026-07-09T10:12:41.280000+08:00","guessed":false,"end":"2026-07-09T10:12:42.101000+08:00","text":"好，時間有限……因為銀行也會把關，所以你已經把你的意見跟財政部講。","quality":0.607},{"speaker":"楊總裁金龍","start":"2026-07-09T10:12:42.301000+08:00","guessed":false,"end":"2026-07-09T10:12:44.763000+08:00","text":"對，你說40年好像很長，但是銀行也不見得會給他40年。","quality":1},{"speaker":"劉委員書彬","start":"2026-07-09T10:12:59.608000+08:00","guessed":false,"end":"2026-07-09T10:13:02.029000+08:00","text":"好，還有沒有其他您特別關注的？","quality":0.846},{"speaker":"楊總裁金龍","start":"2026-07-09T10:13:03.649000+08:00","guessed":false,"end":"2026-07-09T10:13:06.670000+08:00","text":"我們大概就是這幾個意見。","quality":1},{"speaker":"劉委員書彬","start":"2026-07-09T10:13:06.830000+08:00","guessed":false,"end":"2026-07-09T10:13:10.730000+08:00","text":"好，我們繼續再往下看。","quality":0.889},{"speaker":"劉委員書彬","start":"2026-07-09T10:13:11.211000+08:00","guessed":false,"end":"2026-07-09T10:13:33.915000+08:00","text":"另外，在幾個月之前，我們有看到所謂的財金公司，TWQR成功整合40家行動支付，讓大家在買東西付帳的時候，透過這個國家級的QR Code就可以很順利地跨平臺、跨銀行支付。","quality":0.919},{"speaker":"劉委員書彬","start":"2026-07-09T10:13:36.996000+08:00","guessed":false,"end":"2026-07-09T10:13:38.656000+08:00","text":"當然本席予以肯定！","quality":1},{"speaker":"劉委員書彬","start":"2026-07-09T10:13:39.477000+08:00","guessed":false,"end":"2026-07-09T10:14:06.704000+08:00","text":"但是有個問題是，當地方政府福利全面轉向數位發行，最需要照顧的長照、社會救助的高齡長者或是弱勢族群，往往面臨嚴重數位落差的時候，請問總裁，找財金公司配合辦理這項業務的時候，如何確保這些弱勢民眾的權益不會被排擠而漏接？","quality":0.99},{"speaker":"楊總裁金龍","start":"2026-07-09T10:14:08.305000+08:00","guessed":false,"end":"2026-07-09T10:14:11.226000+08:00","text":"我請業務局局長來回答你這個問題好嗎？好。","quality":1},{"speaker":"謝局長鳳瑛","start":"2026-07-09T10:14:14.700000+08:00","guessed":false,"end":"2026-07-09T10:14:30.394000+08:00","text":"據我們了解，現在用戶在用TWQR付款碼的時候，因為手機有截圖，還有翻拍給對方的情況，也就是被不肖者取得截圖、翻拍之後，拿去做詐騙的付款。","quality":0.82},{"speaker":"劉委員書彬","start":"2026-07-09T10:14:30.674000+08:00","guessed":false,"end":"2026-07-09T10:14:31.495000+08:00","text":"那你們怎麼因應呢？","quality":1},{"speaker":"謝局長鳳瑛","start":"2026-07-09T10:14:31.875000+08:00","guessed":false,"end":"2026-07-09T10:14:46.864000+08:00","text":"現在財金公司已經跟參加機構講好要辦理的事項，第一項，是取消付款碼截圖的功能，不能截圖了；第二個，在QR Code付款碼顯示出來要給商店去收款的時候，上面會有預防詐騙的跑碼燈，如果被翻拍之後，不肖之徒拿到的QR Code就沒有跑碼燈，銀行要跟商店講，沒有跑碼燈的不可以收款，這個已經請參加機構在辦理了，所以財金公司有配合政府的預防詐騙作法，已經在做了。","quality":0.887},{"speaker":"劉委員書彬","start":"2026-07-09T10:14:46.884000+08:00","guessed":false,"end":"2026-07-09T10:15:08.282000+08:00","text":"好，謝謝。","quality":1},{"speaker":"劉委員書彬","start":"2026-07-09T10:15:08.482000+08:00","guessed":false,"end":"2026-07-09T10:15:21.846000+08:00","text":"另外一個問題，財金公司單日上午相關平臺的交易金額都超過6,000億，未來承接更多公共福利跟民眾個資之後，央行跟金管會對於財金公司的資安審查，是不是有更高規格的監督機制，確保數位安全轉型？","quality":0.94},{"speaker":"謝局長鳳瑛","start":"2026-07-09T10:15:27.509000+08:00","guessed":false,"end":"2026-07-09T10:15:45.244000+08:00","text":"目前財金公司在做的資訊安全是符合國際標準的，金管會都會定期去做相關資安的檢查，這部分如果說他有一些資安的問題，也會通報央行，我們會去了解，目前來看它都是符合國際標準的。","quality":0.846},{"speaker":"謝局長鳳瑛","start":"2026-07-09T10:15:46.165000+08:00","guessed":false,"end":"2026-07-09T10:15:52.449000+08:00","text":"這個案子其實QR Code本身是沒有問題的，主要是因為消費者被人家截圖、被人家翻拍這種情況，所以現在就是把手機的截圖跟翻拍功能做一個預防性的強化。","quality":0.853},{"speaker":"謝局長鳳瑛","start":"2026-07-09T10:15:52.649000+08:00","guessed":false,"end":"2026-07-09T10:15:52.689000+08:00","text":"以上說明。","quality":1},{"speaker":"劉委員書彬","start":"2026-07-09T10:15:53.089000+08:00","guessed":false,"end":"2026-07-09T10:15:55.490000+08:00","text":"好，本席再問一個簡單的問題，大學生都瘋股市，借貸拼當沖，如何健全青年的信用體系跟財商教育？","quality":0.85},{"speaker":"劉委員書彬","start":"2026-07-09T10:16:17.547000+08:00","guessed":false,"end":"2026-07-09T10:16:20.308000+08:00","text":"總裁，你本身過去大學是念財經？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:16:20.308000+08:00","guessed":true,"end":"2026-07-09T10:16:21.308000+08:00","text":"是，沒有錯。","quality":0},{"speaker":"劉委員書彬","start":"2026-07-09T10:16:21.048000+08:00","guessed":false,"end":"2026-07-09T10:16:21.928000+08:00","text":"有關財商的觀念跟風險意識，能不能給年輕人一些建議？","quality":0.913},{"speaker":"劉委員書彬","start":"2026-07-09T10:16:21.928000+08:00","guessed":false,"end":"2026-07-09T10:16:22.068000+08:00","text":"簡單說一下。","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:16:22.088000+08:00","guessed":false,"end":"2026-07-09T10:16:47.455000+08:00","text":"我想是這樣，就以我來講的話，我們要穩健，不要過度槓桿，也許我比較傳統，我有多少錢，我才會投資多少。","quality":0.976},{"speaker":"楊總裁金龍","start":"2026-07-09T10:16:48.556000+08:00","guessed":false,"end":"2026-07-09T10:17:13.755000+08:00","text":"現在是因為信用的問題，有一些年輕人喜歡用槓桿，股市如果上漲的話，他的獲利會加大是沒有錯，但是如果在某一天反轉下來的時候，他可能會受傷，所以投資人自己要有風險意識。","quality":0.919},{"speaker":"楊總裁金龍","start":"2026-07-09T10:17:15.437000+08:00","guessed":false,"end":"2026-07-09T10:17:27.770000+08:00","text":"事實上，在金融資本市場的教育裡面，我覺得金管會做得很好，都有做一些教育，基本上就只有這樣子。","quality":1},{"speaker":"劉委員書彬","start":"2026-07-09T10:17:27.810000+08:00","guessed":false,"end":"2026-07-09T10:17:29.272000+08:00","text":"好，謝謝央行總裁給了我們年輕人非常寶貴的經驗。","quality":1},{"speaker":"劉委員書彬","start":"2026-07-09T10:17:29.292000+08:00","guessed":false,"end":"2026-07-09T10:17:29.412000+08:00","text":"謝謝主席。謝謝。","quality":1},{"speaker":"主席","start":"2026-07-09T10:17:29.412000+08:00","guessed":true,"end":"2026-07-09T10:17:30.412000+08:00","text":"謝謝劉書彬委員。","quality":0},{"speaker":"主席","start":"2026-07-09T10:17:29.412000+08:00","guessed":false,"end":"2026-07-09T10:17:29.472000+08:00","text":"我們接下來請賴士葆委員。","quality":0.545}]},"gazette":{"lineno":277,"blocks":[["劉委員書彬：（10時5分）謝謝主席，有請楊總裁。"],["主席：請總裁。"],["楊總裁金龍：劉委員早。"],["劉委員書彬：總裁早。央行自從推出第七波信用管制以來，確實抑制了投機的熱錢進入房市，2026年的數據整體看來，房市是呈現量縮、價格盤整的格局。上個月總裁表示短期內不會再加碼第八波，是不是表示這個任務已經完成？我們這幾年看到的房市政策，市場的解讀依然是財政部是在踩油門，央行是在踩煞車，可是上次第七波對於一些由小換大的真自住換屋族其實造成了一些傷害。我們繼續再往下看，央行因應民怨，在3月份時稍微做了一些調整，把第二戶的貸款上限從五成稍微調到六成，但是面對不同購屋族的需求，央行的態度都是說要滾動式的修正。因此本席想要問，影響央行「滾動式檢討」政策利率的因素為何？到7月的時候，又看到什麼房市的問題了？"],["楊總裁金龍：你在講政策利率，基本上我們的政策利率是針對通膨。"],["劉委員書彬：但是會影響到銀行訂定房屋貸款的……"],["楊總裁金龍：貸款的利率是由他們自己決定的，也就是我們訂定政策利率，但是政策利率會影響到他們的存款利率，而他們的存款利率就會影響到他要加碼多少作為他放款的利率。因此放款利率要加碼多少，是由他來決定的，因為……"],["劉委員書彬：對，但是因為你的政策利率……我現在的意思是，一般認為你們是在踩煞車……"],["楊總裁金龍：基本上到目前為止，我們說選擇性信用管制到第七波這裡應該可以算是踩煞車啦，就是到這裡。至於到這裡以後要怎麼樣，我們的……"],["劉委員書彬：所以影響滾動式修正的因素是什麼？"],["楊總裁金龍：我們滾動式的檢討就是執行到這裡的時候，要看下一步要怎麼走……"],["劉委員書彬：對，但是我是說影響央行政策轉彎或是改變的原因是什麼，這是本席要問的。"],["楊總裁金龍：所以當時我們有提了三個意見，第一個意見，當時我們認為房地產貸款集中度……很高的時候是36.71，我們覺得36.71太高了，因為是從35左右、三十四點幾一直上升到36.71，很高嘛，目前因為我們選擇性信用管制政策下去了以後，它就慢慢的下來到35.2左右。"],["劉委員書彬：就達到目的了？"],["楊總裁金龍：到了35.2時，我們就說有改善。"],["劉委員書彬：降下來了。"],["楊總裁金龍：我們認為雖然有改善，房市也還是有增加，但是有一部分的資金不是到產業去，是到股市去，我們認為到股市去跟我們原先規劃要到產業去不同，所以這一點我們要繼續觀察，這是第一個。第二個，從2020年臺灣的房價就一直在上升，上升到目前為止，我們房價的成長率是世界裡面最高的，我們在報告裡面都有講到它很高，而且我們房屋的負擔率也是最高的。"],["劉委員書彬：所以房價成長率是高的，第三個呢？"],["楊總裁金龍：第三個就是其他的政府政策，如果推出來了以後會不會影響到房地產，我們必須要觀察。"],["劉委員書彬：所以就是新青安，對不對？這一波可能就是新青安了，對不對？"],["楊總裁金龍：它也是包括。"],["劉委員書彬：我想請問財政部，月底要公布新青安的這個方案，央行對於房貸放款的態度是什麼？因為你們內部應該都有討論過。"],["楊總裁金龍：有，有討論過，基本上，我們會尊重財政部跟內政部的意見。"],["劉委員書彬：財政部基本上是要把目前一些弊病的部分修訂，你們看到這些弊病，例如說所得的部分，年所得200萬都沒有限制；年齡的部分……"],["楊總裁金龍：我們也有提供意見給財政部。"],["劉委員書彬：意見的方向可不可以初步透露？"],["楊總裁金龍：比如像寬限期，我們就說寬限期有一點長，但是後來他們解報說寬限期會用到那麼長的比率不高，這是第一個。"],["劉委員書彬：用五年寬限期的不會這麼多？"],["楊總裁金龍：就是運用到寬限期五年的，在所有申請新青案貸款的人比率不高，他就說大概只有20%而已。第二個，他認為銀行可以做很嚴格的控管，我覺得他們這樣子解釋講得也有道理。"],["劉委員書彬：好，那40年的貸款期應該怎麼樣？"],["楊總裁金龍：現在如果就一些所得低的人，40年貸款期給他，我也覺得應該可以，但是也不是你訂40年，銀行就一定要核給他40年，也要看他的所得情況、信用狀況，他要求40年的時候，銀行也不一定會給他40年，也許只有給他30年，這是銀行必須要去把關的。"],["劉委員書彬：好，時間有限……因為銀行也會把關，所以你已經把你的意見跟財政部講。"],["楊總裁金龍：對，你說40年好像很長，但是銀行也不見得會給他40年。"],["劉委員書彬：好，還有沒有其他您特別關注的？"],["楊總裁金龍：我們大概就是這幾個意見。"],["劉委員書彬：好，我們繼續再往下看。另外，在幾個月之前，我們有看到所謂的財金公司，TWQR成功整合40家行動支付，讓大家在買東西付帳的時候，透過這個國家級的QR Code就可以很順利地跨平臺、跨銀行支付。當然本席予以肯定！但是有個問題是，當地方政府福利全面轉向數位發行，最需要照顧的長照、社會救助的高齡長者或是弱勢族群，往往面臨嚴重數位落差的時候，請問總裁，找財金公司配合辦理這項業務的時候，如何確保這些弱勢民眾的權益不會被排擠而漏接？"],["楊總裁金龍：我請業務局局長來回答你這個問題好嗎？"],["劉委員書彬：好。"],["謝局長鳳瑛：據我們了解，現在用戶在用TWQR付款碼的時候，因為手機有截圖，還有翻拍給對方的情況，也就是被不肖者取得截圖、翻拍之後，拿去做詐騙的付款。"],["劉委員書彬：那你們怎麼因應呢？"],["謝局長鳳瑛：現在財金公司已經跟參加機構講好要辦理的事項，第一項，是取消付款碼截圖的功能，不能截圖了；第二個，在QR Code付款碼顯示出來要給商店去收款的時候，上面會有預防詐騙的跑碼燈，如果被翻拍之後，不肖之徒拿到的QR Code就沒有跑碼燈，銀行要跟商店講，沒有跑碼燈的不可以收款，這個已經請參加機構在辦理了，所以財金公司有配合政府的預防詐騙作法，已經在做了。"],["劉委員書彬：好，謝謝。另外一個問題，財金公司單日上午相關平臺的交易金額都超過6,000億，未來承接更多公共福利跟民眾個資之後，央行跟金管會對於財金公司的資安審查，是不是有更高規格的監督機制，確保數位安全轉型？"],["謝局長鳳瑛：目前財金公司在做的資訊安全是符合國際標準的，金管會都會定期去做相關資安的檢查，這部分如果說他有一些資安的問題，也會通報央行，我們會去了解，目前來看它都是符合國際標準的。這個案子其實QR Code本身是沒有問題的，主要是因為消費者被人家截圖、被人家翻拍這種情況，所以現在就是把手機的截圖跟翻拍功能做一個預防性的強化。以上說明。"],["劉委員書彬：好，本席再問一個簡單的問題，大學生都瘋股市，借貸拼當沖，如何健全青年的信用體系跟財商教育？總裁，你本身過去大學是念財經？"],["楊總裁金龍：是，沒有錯。"],["劉委員書彬：有關財商的觀念跟風險意識，能不能給年輕人一些建議？簡單說一下。"],["楊總裁金龍：我想是這樣，就以我來講的話，我們要穩健，不要過度槓桿，也許我比較傳統，我有多少錢，我才會投資多少。現在是因為信用的問題，有一些年輕人喜歡用槓桿，股市如果上漲的話，他的獲利會加大是沒有錯，但是如果在某一天反轉下來的時候，他可能會受傷，所以投資人自己要有風險意識。事實上，在金融資本市場的教育裡面，我覺得金管會做得很好，都有做一些教育，基本上就只有這樣子。"],["劉委員書彬：好，謝謝央行總裁給了我們年輕人非常寶貴的經驗。謝謝主席。"],["楊總裁金龍：謝謝。"],["主席：謝謝劉書彬委員。","我們接下來請賴士葆委員。"]],"agenda":{"page_end":578,"meet_id":"委員會-11-5-20-21","speakers":["李彥秀","林德福","吳秉叡","郭國文","賴惠員","林岱樺","劉書彬","賴士葆","李坤城","陳玉珍","林思銘","王世堅","羅明才","邱志偉","葉元之","洪毓祥","顏寬恒"],"page_start":527,"meetingDate":["2026-07-09"],"gazette_id":"1156102","agenda_lcidc_ids":["1156102_00004"],"meet_name":"立法院第11屆第5會期財政委員會第21次全體委員會議紀錄","content":"邀請中央銀行楊總裁金龍就「股市、通膨、匯率與房市多重風險中，中央銀行中長期因應策略與\n政策工具」進行專題報告，並備質詢","agenda_id":"1156102_00003"}}},"supported_relations":[],"relations":[]}