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謝謝莊委 我請總裁請楊總裁"},{"start":11.588,"end":34.129,"text":"總裁早 總裁我想上個月6月18號我們在第二季的理監事會中你曾經對我們剛才一直講世代同堂這個名詞不對但是這個是我們俗稱的一個名詞所以對於這種世代同堂的現象你提出一些風險的警告"},{"start":35.37,"end":41.624,"text":"其中最重要的一個警告你認為的風險就是說民眾的信用擴張的一個問題但是你的發言"},{"start":45.686,"end":72.87,"text":"後來金管會馬上打你的臉那個銀行局他表示他否認有這個風險存在他表示說市場的狀況是合理且沒有異常所以總裁我請教你你發言警告後說央行會持續密切關注發展那現在時間也經過三個多禮拜了嘛您對風險的看法是否還一樣"},{"start":75.002,"end":99.596,"text":"我對於風險的看法呢基本上呢我中央銀行的態度都是這樣就是說我們對於對於市場的一個情況如果說他變化是是變化的很很大的時候不管是說他是不是合乎他的規定我們都要警惕"},{"start":101.177,"end":107.121,"text":"因為我總覺得星星之火可以燎原所以就是說在你還沒有發生問題的時候你就必須要告訴市場你就是要注意"},{"start":117.347,"end":135.174,"text":"所以為了緊盯股市過熱造成的風險央行如你剛才講的你就是會嚴密地控管銀行的放款以免世代同堂造成股市過熱所以你的看法也是這樣"},{"start":138.916,"end":148.182,"text":"對啦 不過我剛剛也有在講啦就是說這個世代同堂的這個字眼有一點太...所以我說俗稱啦對啊 俗稱是沒有錯但是呢 會讓人家覺得就是說每一個人幾乎就是說要投資股市的話他都可以一個人他可以做這樣式的管道同時來做這樣的一個管道來槓桿那這個是太不可能的央行有看到這個狀況啦"},{"start":165.212,"end":182.664,"text":"主要說每一樣每一樣應該都有而且它增加的速度是快的還是要看他這個人的信用狀況但是我們在提醒的時候事實上我跟委員報告事實上我們在提醒銀行的時候事實上銀行的大老闆"},{"start":184.005,"end":206.999,"text":"他也自己在警告他的那個什麼相關部門他也在警告他的相關部門那你的風險控管也要注意我想在事情發生的不是很嚴重的情況之下你做某種的事情我覺得這是好的是的"},{"start":208.119,"end":226.994,"text":"另外我想針對這個新青安3.0的拍板即將拍板了像央行你內部是否有加強檢視銀行的一個內部不動產貸款的一個控管的一個情況去留意相關政策造成的相關的影響"},{"start":228.26,"end":244.183,"text":"因為政策他是希望說這個新興安3.0可以放寬一個相關貸款的一個政策但是我想銀行還是要做內部的一個控管所以這兩個部分你央行怎麼樣做一個平衡"},{"start":246.226,"end":268.359,"text":"我覺得就是說某些如果說是主管機關推出來一個政策它的條件比較寬一點我們假如說它比較寬一點譬如像我剛剛也有講就是說5年的寬限期40年的期限我用這兩個很簡單的"},{"start":274.202,"end":303.436,"text":"就是說即使主管機關他對這些他有這樣的比較鬆的一個條件但是銀行他在做這個因為符合新清單的人他會到銀行去那銀行他不是說主管機關說可以到達40年他可以到5年他也不見得他會全部都給他因為上個月你說如果有需要剛才你也回答賴司保委員你也提到"},{"start":304.036,"end":316.486,"text":"央行會向廉政中心索取相關的資料進行比對你會做嚴格的比對不是說你來你符合新青安的資格然後我就這個馬上就貸款給你你還是要符合相關的5P的原則還有這個銀行對不動產的授信佔比這些問題你們還是會嚴加的去做一個控管"},{"start":326.414,"end":342.443,"text":"對應該是吧銀行應該他本身他就是要這樣子如果這個符合新清安的但是呢他對他的一個信用狀況他也要去真正的去了解不是說他來的話我就試試給他我就五年的關鍵給他也不是這樣子面造成這個相關的一個風險我想本席上週在這個質詢今晚會的時候曾經提到根據彭博的報導"},{"start":353.348,"end":374.716,"text":"因為股票交易引發投資人違約交割的金額在上個月已經超過新台幣20億創下2019年開始公布資料以來的最高單月紀錄本席也查詢了證交所的6月證件上申報投資人違約金額其中在6月12號"},{"start":376.457,"end":390.269,"text":"竟然出現高達15億7千萬的違約金額此外今年以來上市櫃市場的重大違約交割事件也已經累積有16起比如說最近7月2號友達爆發了7325萬元的違約交割金額那6月30號國巨也爆發巨額的這個違約交割高達3880萬"},{"start":403.88,"end":415.576,"text":"所以我想請問總裁這些違約交割的行為是不是也可以視為是另外一種信用擴張操作的方式之下而所導致的信用破產的結果"},{"start":418.049,"end":423.012,"text":"這個違約交割的這個金額竟然在這一個年內陸續的發生啦這個是金管會的職權啦我平常也比較少去引漏這樣的一個的情況不過如果說照剛剛委員這樣子講我在報紙裡面我也稍微也有看到我在想這種違約呢當然是為什麼會違約可能就跟信用也有關係啦"},{"start":447.306,"end":454.509,"text":"就跟剛才提到的時代同堂就有關啊比如說這種違約呢它的次數它的金額如果說它是普遍的普遍的話那就不得了那如果說是個案的話呢那就密切注意它"},{"start":463.522,"end":483.265,"text":"所以要去密切注意他就是要密切注意他像這種個案會不會就是說他會變成一個通案所以央行會把這些巨額違約交剋的情況應該提到的列為我們密切關注的重點我也提醒央行要去密切的去關注他"},{"start":484.246,"end":489.811,"text":"因為現在股市這麼熱絡這樣不斷發生的巨額違約交割的行為我認為不是說只有這個剛才講的如果未來股市不斷的膨脹這些我們這個違約交割的情況可能還是會發生"},{"start":502.301,"end":524.968,"text":"所以我們還是提醒央行你要密切的去關注去留意這個也是涉及到信用中央銀行會在這邊我們討論的這個也是因為經營是我們的也是貨幣信用也是我們的職責總裁我再來請教你我們在第二季的李監事會議決議維持政策的律例不變對"},{"start":526.528,"end":548.226,"text":"那同時被受市場矚目的就是我們選擇性的信用管制也是按兵不動啦央行沒有升息也沒有進一步的加碼信用管制但同時也沒有鬆綁所以市場的解讀啊央行現在採取的是已經自動的策略現在房市的交易量縮價格盤整"},{"start":550.768,"end":571.879,"text":"投資與投機需求也因為第七波信用管制明顯有降溫房市看起來正朝著軟著陸的方向在走但是本席要提醒房市現在冷不代表風險就已經解除了台股現在熱也不代表資金不會再回流到了房地產"},{"start":573.18,"end":586.976,"text":"所以近期台股的表現非常強勢股市的市值大幅的膨脹許多民眾上面我們看到帳面上的財富是增加但是他們甚至他們就透過股票質押"},{"start":588.417,"end":604.811,"text":"這個信貸融資等方式來加碼投資如果這些資金如果繼續留在股市是股市的槓桿的風險但是如果是部分資金獲利了結或透過股票的質押"},{"start":605.632,"end":626.923,"text":"或者銀行的授信來轉進房地產就有可能變成房市在升溫的風險所以請問總裁央孩在這一次選擇信用管制不鬆綁是否就是擔心台股上漲所帶來的財富效果可能重新流入房市讓房市可能再上漲"},{"start":628.996,"end":646.962,"text":"我想就是說我們這三點裡面委員所講到的這一點我們倒是沒有提到不過就是說我看到網路還有包括委員這樣提出來我總覺得委員這樣的一個擔心好像也有道理"},{"start":647.822,"end":659.594,"text":"也有道理所以我想我這個提醒我還是希望你要注意因為我們現在就是因為股市 像你看看很多委員都是在擔心現在股市過熱然後又這個貸款不當的這個有點信用一直膨脹的那種感覺那種現象一直在發生所以如果去控管"},{"start":670.203,"end":693.235,"text":"讓不會讓這些股市如果這個他們把股市獲利了結的錢再把它去投入房市再造成房市的這個這個加熱過熱我想這些相關的議題我希望這個我們央行還是要去密切的注意觀察好謝謝委員的提醒謝謝我們結束林思敏委員的質詢接下來"}]}},"supported_relations":[],"relations":[]}