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我請央行 楊總裁請總裁早這個"},{"start":17.253,"end":40.168,"text":"今年6月18號那麼我們央行第二屆第二季禮監事會議那有做了大概我把它歸納兩大重點第一個重點就是維持利率不調整那麼第二個就是針對這個維持信用管制的部分打房的這個部分一樣"},{"start":40.908,"end":69.904,"text":"也是繼續維持那這一點很好我今天要跟你探討的就是這兩件事情第一件事情我先從這個房市維持信用管制講起我覺得這一點總裁你們這一點確實有堅持那麼這一個風骨我非常肯定因為這當中有很多房地產業者甚至民間的大戶他們透過各種方式"},{"start":70.684,"end":94.383,"text":"還做成新聞都一直在針對央行這個政策那麼都一直用各用盡各種方法就是希望你們反轉那我看114年到現在這115年5月剛好這兩年裡面我們從開始管制那麼我們的目標要壓到房市在放款率而佔35%一直維持到"},{"start":98.318,"end":113.104,"text":"現在為止我們已經從37.61兩年來降到35.17我覺得已經對這個目標算是有達成所以我希望維持信用管制能夠繼續下去為什麼"},{"start":115.805,"end":132.092,"text":"因為我們台灣的房價確實全世界可以說我們是數一數二啦這個我們的房價指數過高那麼這個房價指數我們不但漲幅是全世界名列前茅"},{"start":133.206,"end":157.147,"text":"而且我舉一個例子你看我們今年的四月份才稍微放寬一下一個月馬上馬上就有24億元又湧入房市照說四月份正式高科技股市大好的時候結果你只要稍微一點點的放鬆"},{"start":158.408,"end":187.191,"text":"結果馬上大筆的資金又湧入房市而且這個湧入房市我都覺得這個有一些是因為我們國內我們就是對房屋持有成本低嘛再加上要囤房的代價小我們利率一直那麼低所以富豪是坐永多屋啦那現在生斗小民是一宅難求"},{"start":187.991,"end":203.749,"text":"所以我覺得這個策略我們繼續維持信用管制這是非常正確的你看連我們最保守的連我們最保守的內政部他在估這個住宅價格的時候他把"},{"start":205.402,"end":231.022,"text":"當中實價房屋累積的漲幅都來到25%都高過澳洲、美國甚至新加坡、南韓等這些國家所以確確實實我們台灣房價的漲幅在世界是名列前茅我希望維持信用管制這一點楊總裁你們能夠堅持好不好"},{"start":238.152,"end":243.361,"text":"另外一點就是導致利率我有一些看法可能就是"},{"start":244.622,"end":264.734,"text":"可能跟總裁您這邊可能要探討一下就是說你看我舉光2022年一年美國2022年一年一年而後他們一年連調了四次大概有三碼之多"},{"start":265.635,"end":281.121,"text":"的這個利息而我們我們連這三年我們連一碼也不調一碼也沒有升當然我知道你有多方面包括匯率的考量要我們這個出口的部分可是可是"},{"start":285.358,"end":303.015,"text":"我們的通貨膨脹 CPI指數現在已經高到都已經達到警戒線都已經達到2%了連你們自己的估計喔連你們的估計也是估這個今年第二季的"},{"start":304.056,"end":321.239,"text":"通貨膨脹率你們也是估2.6%你們甚至認為7月還會在2%以上抱歉這是主計總數主計總數的估計那你們當初預估今年的第二季"},{"start":322.324,"end":348.585,"text":"CPI 2.1那事實上事實上還更高了不是嗎事實上已經來到2.17所以我認為當CPI高有點通膨的時候來到警戒線的時候是不是在國外尤其美國他們都以適度的調高利率來調節這個物價"},{"start":353.083,"end":374.874,"text":"而在這一次的你們的理監事會議裡面當然以您的意見為主導最後還是不調但是當中有兩位理事他們也提起說是不是可以適度的用利率來控制通膨加上這個最近"},{"start":376.335,"end":382.529,"text":"這個在AI產品有一個新名稱這個新名稱就是AI通膨"},{"start":386.112,"end":405.186,"text":"因為我們高科技產品電子產品原物料的上漲那這一個部分因為AI需求的強勁那帶動這些上漲我們六月啊教養設備跟用具CPI年增率是7.39真的是符合"},{"start":406.331,"end":416.675,"text":"符合這個AI通膨你看那個你坊間去看蘋果電腦現在漲幅啊它漲幅上萬元耶華碩電腦也預計漲15%到20%所以AI通膨"},{"start":427.017,"end":451.731,"text":"民生的大家都有感所以是不是要維持物價的平穩我們應該適度的針對利率來做調整調高 你看法呢事實上委員講的也沒有錯就是說當我們的物價當我們的物價如果說是超過2%以上你就要考慮"},{"start":454.272,"end":481.67,"text":"不過我們這一次沒有把它就是說已經是就是說大概就是接近2%那2%我跟委員報告2%來講的話基本上它是比較屬於中長期的指標因為在我們的報告裡面也有談到就是說事實上一般的機構包括一般的機構都認為說我們明年我們的物價水準就會下來的"},{"start":482.335,"end":485.263,"text":"你說哪一些機構你看看你們的報告給我們"},{"start":488.171,"end":511.777,"text":"我們來報告第四頁在今天最新的資料裡面有20家你看看我們的第四頁裡面我們有20家的主要的機構對我們本年台灣通膨的預測平均值為1.9它是今年是1.9但是明年它是給我們1.7"},{"start":513.897,"end":517.899,"text":"是1.7%所以我們才會顯示國內通膨預期尚屬穩定美國調升利息速度非常快這個我也稍微解釋一下當時美國通膨到8% 9% 10%"},{"start":535.017,"end":549.187,"text":"那那個時候我們台灣只有3點幾%相差很大到目前為止我跟委員報告到目前為止美國的通膨他的通膨到目前他還3.81他的CPI還3.81喔3.81的話而且他的這個3.81"},{"start":556.28,"end":574.866,"text":"到目前為止已經是持續持續了很久了所以呢他他市場川普是希望那個美國呢聯準會要調降利息但是他遲遲不敢那遲遲不敢為什麼因為他的通膨實在現在還是通膨還越來越加劇通膨越來越加劇現在3點你看看我們的數字3.81總裁你的意思就是說你們的預測"},{"start":582.769,"end":594.739,"text":"你根據另外有幾家共同的預測認為明年會往下調所以會在2.7左右1.7左右所以因為基於這樣所以你們還是維持利率不調那我再舉一個例子"},{"start":602.905,"end":616.389,"text":"利率跟房價我們剛剛講我們透過信用管制就是我們台灣的房價已經漲到一般生斗小民沒有房子可以住買不起嘛那你看我們從民國64年來做一個表格"},{"start":619.45,"end":628.158,"text":"一直到96年一直到現在為止目前為止你看民國64年當房價當利率10.75的時候房價2萬2萬3 5萬一直上來你看房價開始大漲的時候一下來到25萬的時候就是利率降到7.75"},{"start":641.73,"end":658.508,"text":"民國78年是一個剛好一個分界齡來到民國89年也是又另外一個分界齡民國89年的時候當時利率也是下滑到4.6抱歉"},{"start":659.642,"end":684.215,"text":"你看那個房價就一直飆高一直飆高一直飆高到現在來到平均這是中古屋的房價平均60萬3你有管制以後從64萬6現在平均到60萬3但是利率1.125所以如果我們從最高當初民國64年也就是說這50年來10.75%的利率"},{"start":688.677,"end":690.52,"text":"盪到1.125房價從2萬塊錢上升了30倍來到60.3而每一次都是利率高那麼"},{"start":703.12,"end":723.031,"text":"房價漲幅就比較低那當利率低的時候房價就大幅上漲你可以看這一個關係圖好不好那這一個關係圖當然也能不能由央行從這裡面你找出看有哪一些你認為有不對的有什麼端倪但是事實是如此所以"},{"start":723.951,"end":724.211,"text":"好 謝謝我們結束"}]}},"supported_relations":[],"relations":[]}