<p class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">經濟日報【吳靜君、郭幸宜】</span></p> <p class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">房貸授信政策可望鬆綁，金管會正研議「調降」房貸風險權數，自用住宅與非自用住宅的風險權數可望下調，銀行增資壓力將因此減輕，並擴大業務量能。</span></p> <p class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">銀行主管表示，一旦調降房貸風險權數，銀行可承做的放款量能將增加，並同步反映在價格上，貸款利率可望進一步降低。</span></p> <p class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">現行規定自用住宅風險權數為</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">45%</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">，也就是銀行承做自用住宅，每放款</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">100</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">元有</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">45</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">元就要列入風險性資產，非自用住宅因風險權數</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">100%</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">，等於每放款</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">100</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">元，就要計提</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">100</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">元的風險性資產。</span></p> <p class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">銀行主管表示，房貸風險權數關係到銀行資本的計提，風險權數愈高，銀行要計提更多的資本，增資的壓力變大，基於資本適足率的考量，銀行多會透過拉高放款利率，用「以價制量」的方式因應。</span></p> <p class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">但隨著民營行庫積極衝刺房貸、公股行庫房貸市占率節節敗退，加上公股行庫普遍資本適足率偏低、增資不易，財政部上月向金管會表達意見，盼降低房貸風險權數，減緩公股的增資壓力。</span></p> <p class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">金管會官員昨（</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">24</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">）日表示，目前正在研議房貸風險權數的計算方法，到底要以標準法或成數法計算，可以確定的是，房貸風險權數將朝「調降」方向研議。</span></p> <p class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">據了解，金管會較傾向採用標準計算方式，以自用、非自用住宅區分，其中自用住宅的房貸風險權數，擬比照巴賽爾</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">III</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">規定，將自用住宅的風險權數從</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">45%</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">調降至</span><span style="font-size: 13.0pt; font-family: Arial; mso-fareast-font-family: 微軟正黑體; mso-bidi-font-family: 'Times New Roman';" lang="EN-US">35%</span><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">，接軌國際趨勢。</span></p> <p class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; font-family: 微軟正黑體; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman';">官員解釋，金管會去年已請銀行試算，研究調降房貸風險權數的方案，但適逢巴賽爾協議正要修改，導致研究暫時擱置。</span></p>