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<script>window._bd_share_config={"common":{"bdSnsKey":{},"bdText":"","bdMini":"2","bdMiniList":false,"bdPic":"","bdStyle":"0","bdSize":"16"},"share":{"tag":"share_1","bdSize":32,"bdCustomStyle":"http://ats.taiwan.cn/homepage2021/css/bgBdShare2021.css"}};with(document)0[(getElementsByTagName('head')[0]||body).appendChild(createElement('script')).src='http://103.249.53.35/gate/big5/bdimg.share.baidu.com/static/api/js/share.js?v=89860593.js?cdnversion='+~(-new Date()/36e5)];</script>  </div> </div> <div id="bdShareBtn"></div> </div>  </div> <div class="contentArea"> <div class=TRS_Editor><p align="justify">　　台灣網13日訊據“東森新聞雲”報道，臺灣地區貨幣政策主管機關日前發佈最新金融穩定報告，2017年臺灣地區家庭貸款餘額達到15萬億元（新台幣，下同），一舉創下15年來新高。其中，高房價是導致家庭債務持續增加的主要原因之一。不過，臺灣景文科技大學財務金融係副教授章定煊痛斥“‘央行’的錯誤政策把臺灣家庭推向破產的邊緣”。</p> <p align="justify">　　臺“央行”的這份報告顯示，去年臺灣家庭貸款餘額達到15萬億元，其中購置不動產貸款以63.56%的比例位居首位，週轉金貸款以33.8%居次席，相當於全年GDP的86.07%，儘管不動產市場回暖，但民眾買房負擔仍然很重。“央行”認為，臺灣家庭債務主要來自於房貸，家庭儲蓄率高、凈資產高，加上臺灣地區失業率和放款利率處在低檔，都有助於家庭維持穩定的償還能力，整體財務體系仍屬穩定。</p> <p align="justify">　　這些年來銀行貸款利息低，貸款要求少，不少民眾都選擇貸款買房。不過臺灣景文科技大學財務金融係副教授章定煊在臉書發文表示，“央行”釋放出氾濫且低廉的準備貨幣進入銀行體系，導致臺灣家庭均提高其財務標桿，向銀行部門貸款購置房產，同時也導致大量資金涌入房地產，促使房價泡沫化，讓家庭高估自己的財產，過度消費、降低儲蓄率，產生繁榮假像。</p> <p align="justify">　　章定煊進一步分析，一旦房地產市場泡沫破裂，家庭資產價值會大幅縮水，甚至可能陷入負值，只能被迫縮減消費，最後經濟陷入長期蕭條。</p> <p align="justify">　　舉例來說，一個家庭夫妻兩人薪水10萬元，之前存200萬當自備款，再貸款800萬，買一套價值1000萬元的房子。若以2%的利率、貸款20年來計算，每個月房貸4萬元，夫妻兩人覺得自己有200萬資產，每月扣除房貸還有6萬可以消費。</p> <p align="justify">　　不過章定煊認為，一旦房市泡沫，房價跌三成，只剩700萬元，夫妻資產就變成凈值負100萬。他們必須減少消費，只要發生意外狀況，包括生病、失業、多生小孩等，支出超過每月6萬元，他們立即陷入破產危機。因此他指出，“央行”的錯誤政策，正讓臺灣大量的家庭陷入財政危機中。</p></div> <div class="editor f14">[責任編輯：李航]</div> </div>  <div class="page-number"> <script type="text/javascript"> createPageHTML(1, 0, "t20180613_11965148", "htm"); </script> </div>  </div>   <div class="content-plus"> <div class="wrap"> <h3 class="zone-desc-content"><span class="format">相關新聞</span></h3> <ul class="list clearfix"> <li class="list-item single-line f14"><a 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