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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"}],"gazette":[{"speaker":"林委員思銘","start":"2026-07-09T11:07:54.499000+08:00","guessed":false,"end":"2026-07-09T11:07:54.499000+08:00","text":"謝謝召委。","quality":0.75},{"speaker":"林委員思銘","start":"2026-07-09T11:07:55.262000+08:00","guessed":false,"end":"2026-07-09T11:07:55.262000+08:00","text":"請總裁。","quality":1},{"speaker":"主席","start":"2026-07-09T11:07:55.724000+08:00","guessed":false,"end":"2026-07-09T11:07:55.724000+08:00","text":"請楊總裁。","quality":1},{"speaker":"林委員思銘","start":"2026-07-09T11:08:02.588000+08:00","guessed":false,"end":"2026-07-09T11:08:03.549000+08:00","text":"總裁早。","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T11:08:03.549000+08:00","guessed":true,"end":"2026-07-09T11:08:05.431000+08:00","text":"委員早。","quality":0},{"speaker":"林委員思銘","start":"2026-07-09T11:08:05.431000+08:00","guessed":false,"end":"2026-07-09T11:08:19.143000+08:00","text":"上個月（6月）18號在第二季的理監事會中，你曾經對……剛才你一直講「四貸同堂」這個名詞不對，但這是我們俗稱的一個名詞。","quality":0.936},{"speaker":"林委員思銘","start":"2026-07-09T11:08:20.545000+08:00","guessed":false,"end":"2026-07-09T11:08:48.857000+08:00","text":"對於這種「四貸同堂」的現象，你提出一些風險的警告，其中最重要的一個警告，你認為的風險是民眾信用擴張的問題，但是針對你的發言，後來金管會馬上打你的臉，銀行局否認有這個風險存在，並表示市場的狀況是合理且沒有異常。","quality":0.947},{"speaker":"林委員思銘","start":"2026-07-09T11:08:51.419000+08:00","guessed":false,"end":"2026-07-09T11:09:03.870000+08:00","text":"我請教總裁，你發言警告說央行會持續密切關注發展，現在時間也經過三個多禮拜了，您對風險的看法是否還一樣？","quality":0.957},{"speaker":"林委員思銘","start":"2026-07-09T11:09:03.870000+08:00","guessed":true,"end":"2026-07-09T11:09:06.002000+08:00","text":"信用擴張太大了！","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T11:09:06.002000+08:00","guessed":false,"end":"2026-07-09T11:09:35.960000+08:00","text":"我對於風險的看法，基本上，中央銀行的態度都是這樣，就是如果市場情況變化很大的時候，不管是不是合乎規定，我們都要警惕，因為我總覺得星星之火可以燎原。沒錯！","quality":0.941},{"speaker":"楊總裁金龍","start":"2026-07-09T11:09:36.440000+08:00","guessed":false,"end":"2026-07-09T11:09:37.921000+08:00","text":"所以在還沒有發生問題的時候，就必須要告訴市場……","quality":1},{"speaker":"林委員思銘","start":"2026-07-09T11:09:37.921000+08:00","guessed":true,"end":"2026-07-09T11:09:38.921000+08:00","text":"有所準備，要去控管。","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T11:09:37.941000+08:00","guessed":false,"end":"2026-07-09T11:09:38.101000+08:00","text":"就是要注意。","quality":1},{"speaker":"林委員思銘","start":"2026-07-09T11:09:49.447000+08:00","guessed":false,"end":"2026-07-09T11:10:09.916000+08:00","text":"為了緊盯股市過熱造成的風險，如你剛才講的，央行就是會嚴密控管銀行放款，以免四貸同堂造成股市過熱，所以你的看法也是這樣嘛？對啦！","quality":0.912},{"speaker":"林委員思銘","start":"2026-07-09T11:10:09.916000+08:00","guessed":true,"end":"2026-07-09T11:10:10.916000+08:00","text":"明明這個風險持續提高……","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T11:10:10.076000+08:00","guessed":false,"end":"2026-07-09T11:10:15.519000+08:00","text":"不過我剛剛也有在講，四貸同堂的字眼有一點太……是啦！","quality":0.818},{"speaker":"林委員思銘","start":"2026-07-09T11:10:15.740000+08:00","guessed":false,"end":"2026-07-09T11:10:16.420000+08:00","text":"所以我說俗稱啦！","quality":1},{"speaker":"林委員思銘","start":"2026-07-09T11:10:16.420000+08:00","guessed":true,"end":"2026-07-09T11:10:17.420000+08:00","text":"今天你也做了解釋。","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T11:10:16.460000+08:00","guessed":false,"end":"2026-07-09T11:10:18.962000+08:00","text":"俗稱是沒有錯，但是會讓人家覺得每一個人幾乎要投資股市的話，都可以一個人同時做這樣4個管道來槓桿，這個是不太可能的……","quality":0.942},{"speaker":"林委員思銘","start":"2026-07-09T11:10:19.062000+08:00","guessed":false,"end":"2026-07-09T11:10:19.162000+08:00","text":"確實央行有看到這個狀況啦！","quality":0.833},{"speaker":"楊總裁金龍","start":"2026-07-09T11:10:36.813000+08:00","guessed":false,"end":"2026-07-09T11:10:40.155000+08:00","text":"只是每一樣、每一樣應該都有，而且它增加的速度是快的。","quality":0.913},{"speaker":"林委員思銘","start":"2026-07-09T11:10:40.455000+08:00","guessed":false,"end":"2026-07-09T11:10:44.358000+08:00","text":"還是要看他這個人的信用狀況。","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T11:10:47.820000+08:00","guessed":false,"end":"2026-07-09T11:10:59.888000+08:00","text":"對、對，我跟委員報告，事實上，我們在提醒銀行的時候，銀行大老闆自己也在警告他的相關部門。對。","quality":0.897},{"speaker":"楊總裁金龍","start":"2026-07-09T11:10:59.888000+08:00","guessed":false,"end":"2026-07-09T11:11:04.271000+08:00","text":"他也在警告他的相關部門，風險控管也要注意。","quality":1},{"speaker":"林委員思銘","start":"2026-07-09T11:11:04.271000+08:00","guessed":true,"end":"2026-07-09T11:11:07.272000+08:00","text":"要特別留意嘛！","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T11:11:07.272000+08:00","guessed":false,"end":"2026-07-09T11:11:17.979000+08:00","text":"也是啦，在發生事情還不是很嚴重的情況之下做某種事情，我覺得這是好的。是的。","quality":0.818},{"speaker":"林委員思銘","start":"2026-07-09T11:11:19.119000+08:00","guessed":false,"end":"2026-07-09T11:11:37.994000+08:00","text":"另外，針對新青安3.0即將拍板，央行內部是否有加強檢視銀行內部不動產貸款控管的情況，去留意相關政策所造成相關的影響？","quality":0.981},{"speaker":"林委員思銘","start":"2026-07-09T11:11:39.260000+08:00","guessed":false,"end":"2026-07-09T11:11:50.436000+08:00","text":"因為政策是希望新青安3.0可以放寬相關貸款，但是我想銀行還是要做內部的控管。對。","quality":0.943},{"speaker":"林委員思銘","start":"2026-07-09T11:11:51.638000+08:00","guessed":false,"end":"2026-07-09T11:11:55.163000+08:00","text":"所以這兩個部分，央行怎樣做一個平衡？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T11:11:57.226000+08:00","guessed":false,"end":"2026-07-09T11:12:17.438000+08:00","text":"我覺得如果主管機關推出一個政策，它的條件比較寬一點，譬如像我剛剛也有講，就是5年的寬限期、40年的期限……","quality":1},{"speaker":"林委員思銘","start":"2026-07-09T11:12:17.438000+08:00","guessed":true,"end":"2026-07-09T11:12:18.478000+08:00","text":"現在變3加4……","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T11:12:18.478000+08:00","guessed":false,"end":"2026-07-09T11:12:48.993000+08:00","text":"我用這兩個很簡單的部分，即使主管機關對這些有這樣比較鬆的條件，但是銀行在做的時候，因為符合新青安的人會到銀行去，但不是主管機關說可以到達40年、可以到5年，也不見得銀行會全部都給他。","quality":0.877},{"speaker":"林委員思銘","start":"2026-07-09T11:12:49.413000+08:00","guessed":false,"end":"2026-07-09T11:12:59.860000+08:00","text":"總裁，上個月你說如果有需要，剛才你回答賴士葆委員時也提到，央行會向聯徵中心索取相關的資料進行比對。","quality":0.844},{"speaker":"楊總裁金龍","start":"2026-07-09T11:12:59.860000+08:00","guessed":true,"end":"2026-07-09T11:13:00.860000+08:00","text":"是啊，是啊！","quality":0},{"speaker":"林委員思銘","start":"2026-07-09T11:13:00.120000+08:00","guessed":false,"end":"2026-07-09T11:13:04.704000+08:00","text":"會做嚴格的比對，不是符合新青安的資格，然後就可以馬上貸款。","quality":0.923},{"speaker":"楊總裁金龍","start":"2026-07-09T11:13:04.704000+08:00","guessed":true,"end":"2026-07-09T11:13:05.704000+08:00","text":"對，不是這樣就給，不是啊。","quality":0.1},{"speaker":"林委員思銘","start":"2026-07-09T11:13:04.964000+08:00","guessed":false,"end":"2026-07-09T11:13:07.466000+08:00","text":"還是要符合相關不管是5P原則，還有銀行對不動產授信占比，這些問題你們還是會嚴加控管嘛！","quality":0.872},{"speaker":"楊總裁金龍","start":"2026-07-09T11:13:17.414000+08:00","guessed":false,"end":"2026-07-09T11:13:17.554000+08:00","text":"對，應該是吧！","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T11:13:18.855000+08:00","guessed":false,"end":"2026-07-09T11:13:27.019000+08:00","text":"銀行本身應該就是要這樣子，如果這個是符合新青安的，但是對他的信用狀況，銀行也要真正的去了解。","quality":0.857},{"speaker":"林委員思銘","start":"2026-07-09T11:13:27.019000+08:00","guessed":true,"end":"2026-07-09T11:13:28.120000+08:00","text":"還是要去……","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T11:13:28.120000+08:00","guessed":false,"end":"2026-07-09T11:13:30.761000+08:00","text":"不是說他來的話就40年給他、5年寬限期給他，也不是這樣。","quality":0.818},{"speaker":"林委員思銘","start":"2026-07-09T11:13:30.841000+08:00","guessed":false,"end":"2026-07-09T11:13:31.281000+08:00","text":"還是要控管，以免造成相關的風險。","quality":0.5},{"speaker":"林委員思銘","start":"2026-07-09T11:13:31.582000+08:00","guessed":false,"end":"2026-07-09T11:13:59.014000+08:00","text":"本席上週在質詢金管會的時候曾經提到，根據彭博的報導，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臺幣20億，創下2019年開始公布資料以來的最高單月紀錄。","quality":0.972},{"speaker":"林委員思銘","start":"2026-07-09T11:13:59.014000+08:00","guessed":false,"end":"2026-07-09T11:14:11.581000+08:00","text":"本席也查詢了證交所6月證券商申報投資人違約金額，其中在6月12號竟然出現高達15億7,000萬的違約金額。","quality":0.927},{"speaker":"林委員思銘","start":"2026-07-09T11:14:11.581000+08:00","guessed":false,"end":"2026-07-09T11:14:21.269000+08:00","text":"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，比如最近7月2號友達爆發7,325萬元的違約交割金額，6月30號國巨也爆發巨額違約交割高達3,880萬。","quality":0.969},{"speaker":"林委員思銘","start":"2026-07-09T11:14:34.880000+08:00","guessed":false,"end":"2026-07-09T11:14:46.556000+08:00","text":"所以我想請問總裁，這些違約交割的行為，是不是也可以視為另外一種信用擴張操作方式之下所導致的信用破產的結果？","quality":1},{"speaker":"林委員思銘","start":"2026-07-09T11:14:49.049000+08:00","guessed":false,"end":"2026-07-09T11:14:49.969000+08:00","text":"違約交割的金額竟然在這一個月內不停產生。","quality":0.789},{"speaker":"楊總裁金龍","start":"2026-07-09T11:14:50.690000+08:00","guessed":false,"end":"2026-07-09T11:14:53.631000+08:00","text":"因為這個是金管會的職權，我平常也比較少去involve這樣的情況，如果照委員剛剛這樣子講，我在報紙裡面也稍微有看到，我在想這種違約當然是……為什麼會違約？","quality":0.843},{"speaker":"楊總裁金龍","start":"2026-07-09T11:14:53.631000+08:00","guessed":false,"end":"2026-07-09T11:14:53.992000+08:00","text":"可能跟信用也有關係啦！對啊！","quality":0.833},{"speaker":"林委員思銘","start":"2026-07-09T11:15:18.306000+08:00","guessed":false,"end":"2026-07-09T11:15:20.747000+08:00","text":"就跟剛才提到的四貸同堂有關啦！","quality":0.786},{"speaker":"楊總裁金龍","start":"2026-07-09T11:15:20.747000+08:00","guessed":true,"end":"2026-07-09T11:15:21.747000+08:00","text":"應該是啦！","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T11:15:21.628000+08:00","guessed":false,"end":"2026-07-09T11:15:23.148000+08:00","text":"只是說這種違約的次數、金額……","quality":0.833},{"speaker":"林委員思銘","start":"2026-07-09T11:15:23.148000+08:00","guessed":true,"end":"2026-07-09T11:15:24.148000+08:00","text":"不斷擴張他的信用啊！","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T11:15:23.148000+08:00","guessed":false,"end":"2026-07-09T11:15:25.309000+08:00","text":"如果是普遍性的話，那就不得了；如果是個案的話，那就密切注意他。","quality":0.926},{"speaker":"林委員思銘","start":"2026-07-09T11:15:34.522000+08:00","guessed":false,"end":"2026-07-09T11:15:35.563000+08:00","text":"所以要密切注意他？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T11:15:35.944000+08:00","guessed":false,"end":"2026-07-09T11:15:41.090000+08:00","text":"就是要密切注意像這種個案會不會變成通案還是怎麼樣。","quality":0.792},{"speaker":"林委員思銘","start":"2026-07-09T11:15:41.350000+08:00","guessed":false,"end":"2026-07-09T11:15:50.441000+08:00","text":"所以央行會把這些巨額違約交割的情況列為密切關注的重點嘛！","quality":0.926},{"speaker":"楊總裁金龍","start":"2026-07-09T11:15:50.441000+08:00","guessed":true,"end":"2026-07-09T11:15:51.441000+08:00","text":"對，有的。","quality":0},{"speaker":"林委員思銘","start":"2026-07-09T11:15:50.441000+08:00","guessed":false,"end":"2026-07-09T11:15:54.245000+08:00","text":"我提醒央行要密切關注他啦！","quality":0.917},{"speaker":"林委員思銘","start":"2026-07-09T11:15:55.387000+08:00","guessed":false,"end":"2026-07-09T11:16:19.243000+08:00","text":"現在股市這麼熱絡，這樣不斷發生巨額違約交割的行為，我認為不是只有剛剛講的那樣而已，如果未來股市不斷膨脹，這些違約交割的情況可能還是會發生，所以我們還是提醒央行要密切去關注、去留意。","quality":0.94},{"speaker":"楊總裁金龍","start":"2026-07-09T11:16:19.263000+08:00","guessed":false,"end":"2026-07-09T11:16:29.946000+08:00","text":"OK，這也是涉及到信用，中央銀行會在這邊討論這個問題，也是基於貨幣信用是我們的職責。","quality":0.842},{"speaker":"林委員思銘","start":"2026-07-09T11:16:29.946000+08:00","guessed":false,"end":"2026-07-09T11:17:10.813000+08:00","text":"總裁，我再請教你，第二季理監事會議決議維持政策利率不變，同時備受市場矚目的是選擇性信用管制也按兵不動，央行沒有升息，也沒有進一步加碼信用管制，但同時也沒有鬆綁，所以市場解讀央行現在採取的是以靜制動的策略，現在房市的交易量萎縮、價格盤整、投資與投機需求也因為第七波信用管制明顯降溫，房市看起來正朝著軟著陸的方向在走。","quality":0.945},{"speaker":"林委員思銘","start":"2026-07-09T11:17:11.673000+08:00","guessed":false,"end":"2026-07-09T11:17:22.879000+08:00","text":"但是本席要提醒，房市現在冷，不代表風險就已經解除，臺股現在熱，也不代表資金不會再回流到房地產。","quality":1},{"speaker":"林委員思銘","start":"2026-07-09T11:17:24.380000+08:00","guessed":false,"end":"2026-07-09T11:18:04.156000+08:00","text":"近期臺股表現非常強勢，股市市值大幅膨脹，我們看到許多民眾帳面上的財富有增加，但是他們透過股票質押、信貸、融資等方式來加碼投資，這些資金如果繼續留在股市乃是股市槓桿的風險，如果部分資金獲利了結或透過股票質押或銀行授信轉進房地產，就有可能變成房市再升溫的風險。","quality":0.941},{"speaker":"林委員思銘","start":"2026-07-09T11:18:04.156000+08:00","guessed":false,"end":"2026-07-09T11:18:17.923000+08:00","text":"所以請問總裁，央行這次選擇信用管制不鬆綁，是否就是擔心臺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？","quality":0.981},{"speaker":"楊總裁金龍","start":"2026-07-09T11:18:22.617000+08:00","guessed":false,"end":"2026-07-09T11:18:37.942000+08:00","text":"在我們所說的三點裡面，委員所講到的這一點我們倒是沒有提到，不過我看到網路，還有包括委員這樣提出來，我總覺得委員這樣的擔心好像也有道理。","quality":0.935},{"speaker":"林委員思銘","start":"2026-07-09T11:18:38.822000+08:00","guessed":false,"end":"2026-07-09T11:18:39.863000+08:00","text":"也有道理嘛！","quality":0.8},{"speaker":"林委員思銘","start":"2026-07-09T11:18:40.304000+08:00","guessed":false,"end":"2026-07-09T11:19:14.470000+08:00","text":"所以我這個提醒還是希望你要注意，其實剛剛很多委員也都在擔心，現在股市過熱、貸款不當擴張，有一點信用一直膨脹的感覺，這種現象一直在發生，如果不去控管，萬一他們把股市獲利了結的錢再投入房市，恐怕會再造成房市過熱。","quality":0.842},{"speaker":"林委員思銘","start":"2026-07-09T11:19:14.890000+08:00","guessed":false,"end":"2026-07-09T11:19:20.053000+08:00","text":"針對這些相關的議題，我希望央行還是要密切注意觀察，好不好？","quality":0.808},{"speaker":"楊總裁金龍","start":"2026-07-09T11:19:21.073000+08:00","guessed":false,"end":"2026-07-09T11:19:23.434000+08:00","text":"好，謝謝委員的提醒。","quality":1},{"speaker":"林委員思銘","start":"2026-07-09T11:19:23.454000+08:00","guessed":false,"end":"2026-07-09T11:19:23.454000+08:00","text":"以上，謝謝。","quality":0.5},{"speaker":"主席","start":"2026-07-09T11:19:23.454000+08:00","guessed":false,"end":"2026-07-09T11:19:24.195000+08:00","text":"我們結束林思銘委員的質詢。","quality":0.917},{"speaker":"主席","start":"2026-07-09T11:19:24.195000+08:00","guessed":false,"end":"2026-07-09T11:19:24.235000+08:00","text":"接下來請王世堅委員。","quality":0.333}]},"gazette":{"lineno":691,"blocks":[["林委員思銘：（11時7分）謝謝召委。請總裁。"],["主席：請楊總裁。"],["林委員思銘：總裁早。"],["楊總裁金龍：委員早。"],["林委員思銘：上個月（6月）18號在第二季的理監事會中，你曾經對……剛才你一直講「四貸同堂」這個名詞不對，但這是我們俗稱的一個名詞。對於這種「四貸同堂」的現象，你提出一些風險的警告，其中最重要的一個警告，你認為的風險是民眾信用擴張的問題，但是針對你的發言，後來金管會馬上打你的臉，銀行局否認有這個風險存在，並表示市場的狀況是合理且沒有異常。我請教總裁，你發言警告說央行會持續密切關注發展，現在時間也經過三個多禮拜了，您對風險的看法是否還一樣？信用擴張太大了！"],["楊總裁金龍：我對於風險的看法，基本上，中央銀行的態度都是這樣，就是如果市場情況變化很大的時候，不管是不是合乎規定，我們都要警惕，因為我總覺得星星之火可以燎原。"],["林委員思銘：沒錯！"],["楊總裁金龍：所以在還沒有發生問題的時候，就必須要告訴市場……"],["林委員思銘：有所準備，要去控管。"],["楊總裁金龍：就是要注意。"],["林委員思銘：為了緊盯股市過熱造成的風險，如你剛才講的，央行就是會嚴密控管銀行放款，以免四貸同堂造成股市過熱，所以你的看法也是這樣嘛？"],["楊總裁金龍：對啦！"],["林委員思銘：明明這個風險持續提高……"],["楊總裁金龍：不過我剛剛也有在講，四貸同堂的字眼有一點太……"],["林委員思銘：是啦！所以我說俗稱啦！今天你也做了解釋。"],["楊總裁金龍：俗稱是沒有錯，但是會讓人家覺得每一個人幾乎要投資股市的話，都可以一個人同時做這樣4個管道來槓桿，這個是不太可能的……"],["林委員思銘：確實央行有看到這個狀況啦！"],["楊總裁金龍：只是每一樣、每一樣應該都有，而且它增加的速度是快的。"],["林委員思銘：還是要看他這個人的信用狀況。"],["楊總裁金龍：對、對，我跟委員報告，事實上，我們在提醒銀行的時候，銀行大老闆自己也在警告他的相關部門。"],["林委員思銘：對。"],["楊總裁金龍：他也在警告他的相關部門，風險控管也要注意。"],["林委員思銘：要特別留意嘛！"],["楊總裁金龍：也是啦，在發生事情還不是很嚴重的情況之下做某種事情，我覺得這是好的。"],["林委員思銘：是的。另外，針對新青安3.0即將拍板，央行內部是否有加強檢視銀行內部不動產貸款控管的情況，去留意相關政策所造成相關的影響？因為政策是希望新青安3.0可以放寬相關貸款，但是我想銀行還是要做內部的控管。"],["楊總裁金龍：對。"],["林委員思銘：所以這兩個部分，央行怎樣做一個平衡？"],["楊總裁金龍：我覺得如果主管機關推出一個政策，它的條件比較寬一點，譬如像我剛剛也有講，就是5年的寬限期、40年的期限……"],["林委員思銘：現在變3加4……"],["楊總裁金龍：我用這兩個很簡單的部分，即使主管機關對這些有這樣比較鬆的條件，但是銀行在做的時候，因為符合新青安的人會到銀行去，但不是主管機關說可以到達40年、可以到5年，也不見得銀行會全部都給他。"],["林委員思銘：總裁，上個月你說如果有需要，剛才你回答賴士葆委員時也提到，央行會向聯徵中心索取相關的資料進行比對。"],["楊總裁金龍：是啊，是啊！"],["林委員思銘：會做嚴格的比對，不是符合新青安的資格，然後就可以馬上貸款。"],["楊總裁金龍：對，不是這樣就給，不是啊。"],["林委員思銘：還是要符合相關不管是5P原則，還有銀行對不動產授信占比，這些問題你們還是會嚴加控管嘛！"],["楊總裁金龍：對，應該是吧！銀行本身應該就是要這樣子，如果這個是符合新青安的，但是對他的信用狀況，銀行也要真正的去了解。"],["林委員思銘：還是要去……"],["楊總裁金龍：不是說他來的話就40年給他、5年寬限期給他，也不是這樣。"],["林委員思銘：還是要控管，以免造成相關的風險。本席上週在質詢金管會的時候曾經提到，根據彭博的報導，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臺幣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6月證券商申報投資人違約金額，其中在6月12號竟然出現高達15億7,000萬的違約金額。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，比如最近7月2號友達爆發7,325萬元的違約交割金額，6月30號國巨也爆發巨額違約交割高達3,880萬。所以我想請問總裁，這些違約交割的行為，是不是也可以視為另外一種信用擴張操作方式之下所導致的信用破產的結果？違約交割的金額竟然在這一個月內不停產生。"],["楊總裁金龍：因為這個是金管會的職權，我平常也比較少去involve這樣的情況，如果照委員剛剛這樣子講，我在報紙裡面也稍微有看到，我在想這種違約當然是……為什麼會違約？可能跟信用也有關係啦！"],["林委員思銘：對啊！就跟剛才提到的四貸同堂有關啦！"],["楊總裁金龍：應該是啦！只是說這種違約的次數、金額……"],["林委員思銘：不斷擴張他的信用啊！"],["楊總裁金龍：如果是普遍性的話，那就不得了；如果是個案的話，那就密切注意他。"],["林委員思銘：所以要密切注意他？"],["楊總裁金龍：就是要密切注意像這種個案會不會變成通案還是怎麼樣。"],["林委員思銘：所以央行會把這些巨額違約交割的情況列為密切關注的重點嘛！"],["楊總裁金龍：對，有的。"],["林委員思銘：我提醒央行要密切關注他啦！現在股市這麼熱絡，這樣不斷發生巨額違約交割的行為，我認為不是只有剛剛講的那樣而已，如果未來股市不斷膨脹，這些違約交割的情況可能還是會發生，所以我們還是提醒央行要密切去關注、去留意。"],["楊總裁金龍：OK，這也是涉及到信用，中央銀行會在這邊討論這個問題，也是基於貨幣信用是我們的職責。"],["林委員思銘：總裁，我再請教你，第二季理監事會議決議維持政策利率不變，同時備受市場矚目的是選擇性信用管制也按兵不動，央行沒有升息，也沒有進一步加碼信用管制，但同時也沒有鬆綁，所以市場解讀央行現在採取的是以靜制動的策略，現在房市的交易量萎縮、價格盤整、投資與投機需求也因為第七波信用管制明顯降溫，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，臺股現在熱，也不代表資金不會再回流到房地產。近期臺股表現非常強勢，股市市值大幅膨脹，我們看到許多民眾帳面上的財富有增加，但是他們透過股票質押、信貸、融資等方式來加碼投資，這些資金如果繼續留在股市乃是股市槓桿的風險，如果部分資金獲利了結或透過股票質押或銀行授信轉進房地產，就有可能變成房市再升溫的風險。","所以請問總裁，央行這次選擇信用管制不鬆綁，是否就是擔心臺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？"],["楊總裁金龍：在我們所說的三點裡面，委員所講到的這一點我們倒是沒有提到，不過我看到網路，還有包括委員這樣提出來，我總覺得委員這樣的擔心好像也有道理。"],["林委員思銘：也有道理嘛！所以我這個提醒還是希望你要注意，其實剛剛很多委員也都在擔心，現在股市過熱、貸款不當擴張，有一點信用一直膨脹的感覺，這種現象一直在發生，如果不去控管，萬一他們把股市獲利了結的錢再投入房市，恐怕會再造成房市過熱。針對這些相關的議題，我希望央行還是要密切注意觀察，好不好？"],["楊總裁金龍：好，謝謝委員的提醒。"],["林委員思銘：以上，謝謝。"],["主席：我們結束林思銘委員的質詢。","接下來請王世堅委員。"]],"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":[]}