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對不對所以說這個改版是因應整個科技的進步所以一定要先做就拖了那麼久那到底這次改版我想要問一下總裁到底會花多少錢"},{"start":54.798,"end":56.78,"text":"我們這邊有講就是說每一張我們會增加1.5塊總數啦譬如講你們在2018年就有一個內部官方說改版要450億就是說這個總數到目前我們很難去評估它啦就是說因為它"},{"start":71.113,"end":80.2,"text":"我們的鈔券它的使用量會慢慢地遞減所以這個也很難去掌握我現在就是說在2018年你們曾經為了改版估計了450億的改版的總經費那是全部回收跟全部換算我覺得那個真的是估計得太誇張了我跟委員報告一來要如實但是除了這個之外"},{"start":100.494,"end":120.888,"text":"第二個要實用 為什麼因為一般而言台幣跟日幣不一樣日幣最近20年之後就改版了台幣跟日幣有一個不好用的地方就太大張 太大張因為台幣的部分日幣的高度是76公分 76mm然後另外長度是100到160mm可是新台幣是70"},{"start":129.79,"end":141.711,"text":"然後長度是145到165但美鈔的部分都是一樣的美鈔規格它不論是幣值多少都一樣那我們其實可以考慮把這個"},{"start":144.571,"end":147.894,"text":"以後的鈔票的面積稍微縮小一來好用 二來環保三來又可以節省成本我不曉得總裁你這樣建議怎麼樣我覺得委員的想法本來我們在這邊是寫那個尺寸不變不過我總覺得因為我們有執行委員會執行委員"},{"start":168.154,"end":170.276,"text":"事實上委員你這個概念你這個建立我覺得也是蠻大家的皮夾都越來越少使用的機率越來越少我們發行局的局長在這裡我們的印製廠的同事也在這邊"},{"start":191.677,"end":219,"text":"他都聽得到所以我覺得委員的這個建議我覺得是滿好的因為你的報告是越環保化減少紙張的面積就是越環保而且還省錢你只要用顏色做一個區隔就好了不是嗎是 我們來研究這個我們來考量你現在流通量現在為止已經每日大概3.5兆了對不對 是差不多嘛"},{"start":221.381,"end":238.826,"text":"然後硬幣的部分是1400也就是隨著電子支付的話整個紙鈔的使用率已經逐年下降了是不是那我還再問一個問題但是在流通的過程當中你有沒有去看過這個面額流通數最少的是哪一個"},{"start":239.546,"end":243.61,"text":"大概是200塊200跟2000對不對200跟2000這個流通這麼低你們還會想要考慮再印製嗎我跟委員報告事實上各個國家它對於二各個國家的紙鈔二的流通力都不高"},{"start":259.184,"end":261.607,"text":"對 但是二他是一個搭配事實上這個問題我們內部我們也自己有考量過事實上有一些我記得我們上次有委員去我們的印製廠考察的時候"},{"start":277.366,"end":297.697,"text":"有一些的委員到認為就是說這個200塊是很好用的因為那個成本他可以總裁我這邊全部美金的面額我都有一個2的就是有20元也沒有200的不 他的200就很大了那200 他的200乘以我們的30就相當於多少"},{"start":298.177,"end":308.821,"text":"沒有 沒有啦 我說麵這個麵 紫草的麵沒兩百的啦是啊 日本也沒兩萬的嘛 對不對為什麼一定要一個兩千的呢日本有兩千的啦沒有兩萬 我說沒有兩萬的啦他們二也只有一個而已嘛你又一個兩百 又一個兩千那個流通率都很低就不用考慮了啦我們再考量啦 考量一下好不好委員的今天的建議啊我總覺得我們都會可以納入參考啦"},{"start":328.207,"end":334.832,"text":"我也不是說現在馬上就說這個不是對 用實用面的角度來思考好不好用實用面的角度另外一個幣是未來的幣就穩定幣的部分那穩定幣現在可能是省時又便利因為現在的這個跨境交易大概1到5天然後手續費大概0.2到甚至到50美元穩定幣的手續費大概0.1"},{"start":353.466,"end":371.276,"text":"但是它会不会冲击到既有目前这一个金融业的跨境汇兑的业务因为毕竟美元占有这一个台湾整体的国际汇兑的部分高达97美元是应该是稳定币就想要绑定的货币"},{"start":372.116,"end":393.727,"text":"這個部分的衝擊你們有沒有評估委員的意思就是說是評估就是說對 它會之後就會減少這些現在既有的跨境交易委員的意思就是說它現在穩定幣的跨境的支付如果穩定幣發行之後取代力會不會很高會不會衝擊會來取代SWIFT的跨境你們的意思就是我在想你們要評估"},{"start":401.731,"end":417.84,"text":"對 如果委員我跟委員報告如果穩定幣如果說大家都認為它好用的話當然有一部分會取代一定會取代嘛對 有一部分會取代但是前提要出來就是說第一個它成功而且它好用"},{"start":418.18,"end":439.623,"text":"对 前提是这样子你要先考虑一个第二个考虑要入法也就是我们管理外汇条例当中现在没有稳定币只有外国货币或票据或者有价证券 对不对是不是要考虑入法现在我们的 报告委员现在有啊我们的那个虚拟资产服务法这个里面它就会入法"},{"start":440.243,"end":458.79,"text":"这个入在这个虚拟资产扶持法当中第三还有一个整个国际流通的过程当中会发现所谓的伪造 冒用或篡改它还有一个属于在做一个监控那未来稳定币的部分有没有可能需要类似的机构"},{"start":460.731,"end":471.836,"text":"我想在虛擬資產服務法那邊的執法我們會跟金管會好好的去溝通你們就一起討論這是你們共同業務本席是做一個提醒是 沒有錯 委員講得沒有錯"},{"start":477.839,"end":499.457,"text":"你央行的報告當中的這個估計未來的GDP所佔有的這個成長率相對而言4.5那平均其他的地方都是5.02你說是12月份的時候你們還會再做考量沒有錯但是我是說你們在之前的這個報告當中有一個滿有趣的報告的表就是說"},{"start":500.417,"end":511.129,"text":"製造業對經濟成長貢獻大佔GDP的比重是2.68那同時引起話題的是營造工程業只有0.07不動產是0.06"},{"start":515.533,"end":529.102,"text":"這些行業就很不服氣啊明明他們是火車頭看起來好像央行的總裁跟他打臉說他們根本不是火車頭是不是 你意思是不是這樣子沒有意思我們沒有這個意思這數字上呈現出來的意思是這樣子啊我跟委員報告四少葉才是火車頭不是嗎貢獻的比例最高2.86啊我跟委員報告啦事實上這個"},{"start":539.588,"end":541.83,"text":"我們只是說看到一個社論還有報紙有一些的報紙都在說就是說我們的不動產業是經濟的火車頭我們一直覺得就是說這個概念可能要稍微要澄清一下要澄清"},{"start":560.208,"end":567.291,"text":"因為不是嘛 所以才要澄清嘛不是針對他澄清嘛 你就主要澄清事實上不是嘛 對不對沒有 對 每一個產業都重要委員 每一個產業都重要我們只是說對那個它的貢獻是怎麼樣這主要是在這裡你12月份的時候會不會再公佈一次不會啦 為什麼不會為什麼6月公佈 12月就不公佈"},{"start":584.397,"end":607.355,"text":"不不不 因為我總覺得你的GDP未來不是12月要重新評估嗎重新評估的時候讓國人知道說哪些行業對這一個國家的GDP貢獻比較大這有什麼不好對啦 當然啦你就是怕人家打臉說你打臉你才不好意思公布嘛那你就據實公布有什麼關係呢是啦 沒有"},{"start":608.055,"end":621.075,"text":"是啦 沒有錯我們只是說據時來公佈這些對啦 就是這個意思啦好不好 12月再公佈一次我們考慮考慮啦你考慮一下嘛 考慮考慮最後的部分我還有一個小問題要問"},{"start":623.498,"end":637.006,"text":"最近這個外資我不要說我們去猜測到底那個估黃金的價格但是目前為止我們央行所持有的黃金的這個噸數公噸數總高達是424公噸全球算排行第15名"},{"start":645.991,"end":661.705,"text":"价大约是1.8兆台币1.8兆台币但是成本据说只有一千多亿而已是那个获利将近十倍以上是 没有错这个东西有没有可能卖或是只买不卖"},{"start":662.245,"end":665.727,"text":"我不曉得這個央行現在的態度是怎麼樣我們不賣啦但是我們也有考量到如果說我們的外匯存底足夠多的話那我們也考量就是說要買再買要再買但是現在目前我給委員一個你是外資足夠多不是 我們的外匯存底如果說足夠多的話我們考慮再買考慮再買 這是一個嘛另外一個"},{"start":689.998,"end":712.411,"text":"当初央行其实有超过七成的时候是在70年代的时候为了平衡台美贸易这个顺差所迈进的现在问题是重新出现我们顺差这么多现在台美正在面临这个谈判问题你之前写的报告就说这农产品好 能源要采买 薰构这就可以平衡顺差"},{"start":713.892,"end":731.164,"text":"這一步這麼好用 你為什麼不用沒有 後來你用過雖然就是說用過但是美國不承認不承認不承認說用黃金這明明報告當中是寫的就是用這種方式來購買黃金來平衡貿易順差然後你現在不承認當時我們買的是動機是這樣但是美國不承認當時是沒有承認當時沒有承認但是有沒有實質的效果"},{"start":738.909,"end":765.523,"text":"當然我們買進來了以後他的評價越來越高那是有效果沒有 有效果如果可以平衡順差的話為什麼不考慮一個方法他沒有平衡順差的那個效果沒有辦法效果沒有這個效果如果有效果就會考慮他不承認啦有效果就會考慮是啦 那當然啦現在的黃金就是維持如果有效果的話我們會會考慮 好那就好好考慮啦那現在黃金的部分就是維持只買不賣是啦 是啦謝謝總長"},{"start":767.345,"end":768.853,"text":"好 謝謝郭國文委員"}]},"gazette":{"lineno":507,"blocks":[["郭委員國文：（9時49分）主席，有請楊總裁。"],["主席：請楊總裁。"],["楊總裁金龍：郭委員早。"],["郭委員國文：總裁你好。這一次臺幣要改版，我個人認為時間真的是太慢了。"],["楊總裁金龍：是。"],["郭委員國文：因為主要的國家大概都是16年到24年。"],["楊總裁金龍：是，沒有錯。"],["郭委員國文：這個時間點再加個兩年半到2028，前前後後拖了28年！主要國家中大概我們是最慢的。"],["楊總裁金龍：是。"],["郭委員國文：更何況美國的話大概是5到7年就會小局部的改版，為了什麼？就是為了防偽，對不對？"],["楊總裁金龍：是，沒有錯。"],["郭委員國文：改版是因應整個科技的進步，所以一定要先做，結果拖了那麼久。關於這次改版，我想要問一下總裁到底會花多少錢？"],["楊總裁金龍：我們這邊有講，就是每一張會增加1.5塊。"],["郭委員國文：對，總數啦！你在2018年就有一個內部會議說改版要450億。"],["楊總裁金龍：剛剛我也講過，這個總數到目前我們很難去評估它。"],["郭委員國文：對啊！"],["楊總裁金龍：因為我們的鈔券使用量會慢慢遞減。"],["郭委員國文：對，沒有錯。"],["楊總裁金龍：所以這個也很難掌握。"],["郭委員國文：我現在就是說，在2018年你們曾經為了改版估計了450億的改版總經費。"],["楊總裁金龍：是。"],["郭委員國文：那是全部回收跟全部換算，我覺得那個真的是估計得太誇張了。"],["楊總裁金龍：我跟委員報告……"],["郭委員國文：一來要如實，但是除了這個之外，第二個是要實用，為什麼呢？因為一般而言，臺幣跟日幣不一樣，日幣最近是20年之後就改版了。"],["楊總裁金龍：是。"],["郭委員國文：臺幣跟日幣有一個不好用的地方就是太大張。日幣的高度是76mm、長度100到160mm，可是新臺幣是70，長度是145到165。而美鈔的部分都是一樣的，美鈔的規格不論幣值多少都是一樣的。"],["楊總裁金龍：對。"],["郭委員國文：我們其實可以考慮，把以後的鈔票面積稍微縮小。一來好用，二來環保，三來又可以節省成本。"],["楊總裁金龍：是。"],["郭委員國文：總裁，我這樣的建議怎麼樣？"],["楊總裁金龍：是，我覺得委員的這個想法，本來我們在這邊是寫尺寸不變，不過我總覺得因為我們有諮詢委員會、諮詢委員，事實上委員你這個概念、你這個建議我覺得也是蠻……"],["郭委員國文：大家的皮夾都越來越小。"],["楊總裁金龍：是，這個我們……"],["郭委員國文：使用的機率會越來越少。"],["楊總裁金龍：我們發行局的局長在這裡，印製廠的總經理也在這邊。"],["郭委員國文：對，都在這邊。"],["楊總裁金龍：他都聽得到，所以委員的這個建議，我覺得是蠻好的。"],["郭委員國文：因為你的報告是越環保化，減少紙張的面積就是越環保，而且可以省錢。你只要用顏色做區隔就好了，不是嗎？"],["楊總裁金龍：是，我們來研究，這個我們來考量。"],["郭委員國文：對，流通量到現在為止，已經每日大概3.5兆了，對不對？差不多嘛？"],["楊總裁金龍：對。"],["郭委員國文：硬幣的部分是1,400，也就是隨著電子支付的話，整個紙鈔的使用率已經逐年下降了，是不是？"],["楊總裁金龍：對。"],["郭委員國文：我再問一個問題，但是在流通的過程當中，你有沒有去看過流通數最少的面額是哪一個？"],["楊總裁金龍：大概是200塊。"],["郭委員國文：200跟2,000，對不對？"],["楊總裁金龍：2,000的還好。"],["郭委員國文：200跟2,000的流通率這麼低，你們還會考慮再印製啊？"],["楊總裁金龍：我跟委員報告，事實上各個國家的紙鈔，「2」的流通率都不高。"],["郭委員國文：對，那幹嘛印製？"],["楊總裁金龍：但「2」的是一個搭配，事實上這個問題我們內部自己也考量過，我記得上次有委員去我們印製廠考察的時候，有一些委員倒認為200塊是很好用的，因為那個成本可以……"],["郭委員國文：美金的全部面額我這邊都有，「2」的就只有20元，也沒有200的。"],["楊總裁金龍：不，他的200就很大了……"],["郭委員國文：沒有，並沒有……"],["楊總裁金龍：他的200，乘以30就相當於我們的多少了！"],["郭委員國文：沒有，我說紙鈔的面額沒有200的。"],["楊總裁金龍：是啊……"],["郭委員國文：日本也沒有2萬的，對吧！"],["楊總裁金龍：沒有……"],["郭委員國文：那為什麼一定要用2,000的呢？"],["楊總裁金龍：日本有2,000的。"],["郭委員國文：我說沒有2萬。"],["楊總裁金龍：喔！不過……"],["郭委員國文：他們的「2」也只有一個而已。而你用一個是200、一個是2,000，那個流通率都很低，就不用考量了。"],["楊總裁金龍：那我們再考量。"],["郭委員國文：考量一下，好不好？"],["楊總裁金龍：委員今天的建議，我總覺得我們都可以納入參考。"],["郭委員國文：對，這個……"],["楊總裁金龍：我也不是現在馬上就說這個不……"],["郭委員國文：對，你用實用面的角度來思考，好不好？"],["楊總裁金龍：對，可以，非常好，我們都會接受。"],["郭委員國文：另外一個是未來的幣，就是穩定幣的部分。穩定幣可能是省時又便利，因為現在的跨境交易大概1到5天，手續費大概0.2，甚至到50美元，而穩定幣的手續費大概0.1。"],["楊總裁金龍：對。"],["郭委員國文：但是它會不會衝擊到目前既有的金融業跨境匯兌業務，因為畢竟美元占有臺灣整體國際匯兌的部分高達97%，美元應該是穩定幣想要綁定的貨幣，這個部分的衝擊，你們有沒有評估？"],["楊總裁金龍：委員的意思是？評估就是……"],["郭委員國文：對，之後就會減少現在既有的這些跨境交易。"],["楊總裁金龍：委員的意思就是現在穩定幣的跨境支付……"],["郭委員國文：穩定幣發行之後啦！"],["楊總裁金龍：未來會不會取代SWIFT的跨境，你的意思是這樣？"],["郭委員國文：對啊！"],["楊總裁金龍：委員，我在想啦……"],["郭委員國文：你們要評估一下。"],["楊總裁金龍：對，我跟委員報告，如果大家都認為穩定幣好用的話，當然有一部分會取代SWIFT。"],["郭委員國文：一定會取代嘛！這是考量其中嘛！"],["楊總裁金龍：但是前提是，第一個它成功，而且它好用。"],["郭委員國文：對，前提是這樣子，那你要先考慮這一個。"],["楊總裁金龍：是。"],["郭委員國文：第二個是考慮要入法，也就是我們管理外匯條例當中現在沒有穩定幣，只有外國貨幣、票據或者有價證券，對不對？"],["楊總裁金龍：對。"],["郭委員國文：是不是要考慮入法？這些都要具備啊！"],["楊總裁金龍：報告委員，現在有啊！我們的虛擬資產服務法裡面，它就會入法。"],["郭委員國文：入在虛擬資產服務法當中？"],["楊總裁金龍：是。"],["郭委員國文：第三個，整個國際流通的過程當中，會發現所謂的偽造、冒用或竄改，它還有一個SWIFT在做監控，未來穩定幣的部分有沒有可能需要類似的機構？"],["楊總裁金龍：我想在虛擬資產服務法那邊的子法，我們會跟金管會好好的溝通……"],["郭委員國文：你們就一起討論，這是你們共同業務。"],["楊總裁金龍：是，我們做一個彙整。"],["郭委員國文：本席是做一個提醒。"],["楊總裁金龍：是，沒有錯，委員講得沒有錯。"],["郭委員國文：另外，央行的報告當中估計未來GDP所占有的成長率，相對而言是4.5%，平均其他的都是5.02%，你說是12月份的時候，你們還會再做考量？"],["楊總裁金龍：沒有錯。"],["郭委員國文：但是我是說你們在之前的報告當中，有一個報告的表滿有趣的，就是製造業對經濟成長貢獻大，占GDP的比重是2.68%，同時引起話題的是營造工程業只有0.07%，不動產是0.06%。"],["楊總裁金龍：是。"],["郭委員國文：這些行業就很不服氣啊，明明他們是火車頭，看起來好像央行總裁給它打臉，說他們根本不是火車頭，你的意思是不是這樣子？"],["楊總裁金龍：沒有，我們沒有這個意思。"],["郭委員國文：這數字上呈現出來的意思……"],["楊總裁金龍：我跟委員報告……"],["郭委員國文：製造業才是火車頭不是嗎？貢獻的比例最高，2.86%啊！"],["楊總裁金龍：我跟委員報告，事實上，我們只是看到一個社論，還有一些報紙都在說我們的不動產業是經濟的火車頭，我們一直覺得這個概念可能要稍微要澄清一下。"],["郭委員國文：要澄清嘛！"],["楊總裁金龍：對，要澄清，我們沒有說……"],["郭委員國文：因為不是，所以才要澄清。"],["楊總裁金龍：我們不是要針對它。"],["郭委員國文：你們是要澄清，事實上不是嘛，對不對？"],["楊總裁金龍：對，每一個產業都重要，委員，每一個產業都重要，我們只是說它的貢獻是怎麼樣，主要是在這裡。"],["郭委員國文：12月份的時候你會不會再公布一次？"],["楊總裁金龍：不會啦。"],["郭委員國文：為什麼不會？為什麼6月公布，12月就不公布？"],["楊總裁金龍：不、不、不，因為我總覺得……"],["郭委員國文：GDP未來不是12月要重新評估嗎？重新評估的時候讓國人知道哪些行業對國家的GDP貢獻比較大，這有什麼不好？"],["楊總裁金龍：對，當然啦……"],["郭委員國文：你就是怕人家說你打臉，你才不好意思公布嘛，那你就據實公布有什麼關係呢？"],["楊總裁金龍：是啦，沒有錯，我們只是據實公布。"],["郭委員國文：據實公布有什麼關係呢？"],["楊總裁金龍：對啦，就是這個意思啦。"],["郭委員國文：好不好？12月再公布一次。"],["楊總裁金龍：好，我們考慮、考慮。"],["郭委員國文：你考慮一下嘛！"],["楊總裁金龍：考慮、考慮。"],["郭委員國文：最後的部分，我還有一個小問題要問，最近的外資，我不要說我們去猜測、估黃金的價格。"],["楊總裁金龍：對。"],["郭委員國文：但是目前為止，我們央行所持有黃金的公噸數高達424公噸，全球算排行第15名，市價大約是1.8兆臺幣，但是成本據說只有一千多億而已，獲利將近10倍以上。"],["楊總裁金龍：是，沒錯。"],["郭委員國文：這個東西有沒有可能賣或是只買不賣，我不曉得央行現在的態度是怎麼樣？"],["楊總裁金龍：我們不賣啦，但是我們也有考量到如果我們的外匯存底足夠多的話，我們也考量要買……"],["郭委員國文：再買？"],["楊總裁金龍：對，要再買。我要給委員……"],["郭委員國文：但是目前外資足夠多？"],["楊總裁金龍：不是，我們的外匯存底如果足夠多的話……"],["郭委員國文：夠多的話，考慮再買？"],["楊總裁金龍：我們考慮再買。"],["郭委員國文：再買？這是一個嘛！"],["楊總裁金龍：是。"],["郭委員國文：另外一個，當初央行其實有超過七成是在70年代的時候，為了平衡臺美貿易順差所買進的。"],["楊總裁金龍：對。"],["郭委員國文：現在問題是重新出現，我們順差這麼多，現在臺美正在面臨談判問題，你之前寫的報告就說農產品好、能源要採買，還有軍購，這就可以平衡順差。"],["楊總裁金龍：對。"],["郭委員國文：這一步這麼好用，你為什麼不用？"],["楊總裁金龍：沒有，後來……"],["郭委員國文：你用過啊！"],["楊總裁金龍：雖然用過，但是美國不承認。"],["郭委員國文：不承認？"],["楊總裁金龍：不承認用黃金……"],["郭委員國文：不承認？明明報告當中寫你們就是用這種方式購買黃金來平衡貿易順差，然後你現在不承認。"],["楊總裁金龍：當時我們買的動機是這樣，但是美國不承認，當時是沒有承認的。"],["郭委員國文：當時沒有承認？"],["楊總裁金龍：對。"],["郭委員國文：但是有沒有實質的效果？"],["楊總裁金龍：當然我們買進來了以後評價越來越高，就是有效果。"],["郭委員國文：對啊！有效果，如果可以平衡順差的話，為什麼不考慮這個作法？"],["楊總裁金龍：沒有，它沒有平衡順差的效果。"],["郭委員國文：沒有辦法有效果？"],["楊總裁金龍：對。"],["郭委員國文：沒有這個效果？"],["楊總裁金龍：對，因為他不承認。"],["郭委員國文：如果有效果就會考慮？"],["楊總裁金龍：那當然啦！"],["郭委員國文：所以現在黃金就是維持……"],["楊總裁金龍：如果有效果的話，我們會。"],["郭委員國文：會考慮？那就好好考慮，現在黃金的部分就是維持只買不賣？"],["楊總裁金龍：是啦、是啦。"],["郭委員國文：好，謝謝總裁。"],["楊總裁金龍：是。"],["主席：謝謝郭國文委員。","接下來請賴惠員委員質詢。"]],"agenda":{"page_end":150,"meet_id":"委員會-11-4-20-4","speakers":["林思銘","林德福","吳秉叡","賴士葆","郭國文","賴惠員","李彥秀","李坤城","鍾佳濱","黃珊珊","王世堅","陳玉珍","葉元之","謝衣鳯","邱志偉","葛如鈞","羅明才"],"page_start":61,"meetingDate":["2025-10-23"],"gazette_id":"1148901","agenda_lcidc_ids":["1148901_00003"],"meet_name":"立法院第11屆第4會期財政委員會第4次全體委員會議紀錄","content":"邀請中央銀行楊總裁金龍率所屬單位主管暨財金資訊股份有限公司董事長列席業務報告，並備質\n詢","agenda_id":"1148901_00002"}}},"supported_relations":[],"relations":[]}