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200 500 1000 2000是"},{"start":36.559,"end":65.561,"text":"預計那有沒有考慮過有更高的面額因為你剛剛在回答兩百元的時候有說這兩百元可以節省皮夾空間兩張一張抵兩張那既然可以發行兩千有沒有可能考慮發行一萬不會普發先進一萬領一張就好了不因為那個流通量會更少流通量會更好那我們問一下那你參考其他國家你知道嗎美國聯邦他曾經發行的最高面額的美鈔是什麼面額嗎"},{"start":67.126,"end":89.529,"text":"这个我忘了他们在1865年第25任的财政部长发行了1万面额的美钞到后来到1934年还发行了10万面额的金币券你觉得这个有可能用吗这是用在哪里啊为什么美国要发行这么大面额的美钞它是在财政部跟央行之间的交付而已"},{"start":92.671,"end":118.658,"text":"我們沒關係我直接告訴你答案啦這個跟我們今天討論的紙鈔沒有關聯這是它是政府跟銀行之間的一個交換使用啦好那現在我們回到這裡來了那麼有人在說哎呀總裁啊你好像在拍馬屁啊說要把那個12強冠軍的印象紙鈔你認為當年我們在1998年發行的這個哨棒冠軍的這個鈔票之後你有在央行嗎1998"},{"start":121.414,"end":149.926,"text":"你進央行了沒有有那時候有人說那時候央行總裁發行這樣的事在拍馬屁嗎沒有沒有嗎還是說少棒冠軍可以上鈔票不算拍馬屁四棒賽十二強就是在拍馬屁有沒有這樣的問題應該沒有沒有所以就大膽的放心的把我們國人的驕傲就算拍馬屁我覺得也是拍我們國人的馬屁應該不會因為棒球是我們國家的光榮對不對是所以盡量去做好 下來我要請教一下"},{"start":150.586,"end":171.118,"text":"另外今天比較多聚焦在美國有沒有聽過川普賬戶共和黨提案說新生兒國家就給他100美元然後每年他的父母也可以存進去還可以不用扣稅那到了18歲的時候他就一大筆錢最近我們國內也有要選縣市長的人做這樣的倡議你覺得要達到這種倡議"},{"start":174.58,"end":197.841,"text":"有什麼條件我舉例來講他們美國的經濟顧問委員會他說如果1000元每年這樣存到18歲可以領到1萬8如果加上一些投報率可以到30萬那到28歲就109萬哇 這個真好啊這個第一桶金政府幫你存1000美金然後到你的18歲到25歲就成為百萬富翁有這個條件嗎"},{"start":201.249,"end":224.495,"text":"我覺得這個議題我沒有很瞭解我覺得就是說你政府要進去的話你要有budget你要有錢除了政府要有錢能不能預期成長是不是兩個因素第一這整個18年或25年利率要維持高檔或者說股市的平均回報率要好都不曉得"},{"start":224.935,"end":252.469,"text":"都不曉得那如果國內要推的話那我們央行可不可以告訴我們的政府說沒問題家長放心政府準備好budget投入但是央行呢讓我們這幾年呢利率都維持在高檔可以嗎可以這樣嗎不可能啦不可能好那我們來問一下但是最近呢FED說要再降息了那你認為台灣的股市美股大為激勵啊FED降息美股大為激勵你覺得台灣的股市的表現跟你央行降不降息有沒有關聯"},{"start":254.446,"end":265.719,"text":"好像比較沒有沒有什麼關聯那你認為台灣的股市的表現主要是考量什麼因素我們的台灣的股市說實在的是跟著大部分都是跟著跟著台積電走跟著台積電走台積電這些科技類股也是跟著美國的科技類股"},{"start":274.309,"end":294.434,"text":"科技類股所以說如果FIT降息有可能熱錢通通會被吸回去嗎還是說這些錢會跑到台灣來專利差很難講 沒有一定好往下看所以說如果你剛講的其實高科技是我們的優勢股那麼外資是我台股或者跟FIT是我降息有沒有關聯"},{"start":296.906,"end":317.715,"text":"我舉個例 上上週一啦也有啦 應該也有也有 但是你看看那個星期一就是國慶日那天川普又宣布要跟中國提高關稅怕美國股市大跌大家預期隔天到10月12號台股開盤的時候會大跌有沒有大跌 台積利有沒有大跌沒有啊"},{"start":318.075,"end":334.269,"text":"沒有啊是散戶啊500萬的零股戶把台積電撐上來耶所以表示這個股市台灣的股市不見得跟著美國的股市走美國的股市雖然跟FIT降息有關但是台灣的股市表現我覺得委員的那個對股票的那個知識比我還強"},{"start":336.271,"end":363.187,"text":"謝謝誇獎但是你也不買股票我也不買股票你講的頭頭是道所以說我要請教一下但現在有一個問題來了外匯存體再度改寫歷史新高多少超過6000億了那怎麼辦現在我們央行的業務報告說你們要怎樣要運用外匯存體的投資運用效益考量到對美元的匯率變動所以你要維持市場的秩序跟進場條件講了半天我們想問的是美國"},{"start":364.676,"end":383.406,"text":"FED他未降息 熱錢就跑來台灣了那如果他再降息他會不會造成外資願意加碼台股甚至會影響到匯率有沒有這個可能 央行怎麼因應我剛剛 問了三個問題譬如說九月份的時候美國降息"},{"start":383.946,"end":388.309,"text":"大家都會認為美國降息的時候美元會弱但是之後9月以後好像也沒有弱最近它都很強所以也就是說這個猜測好像也是不大對所以我覺得外資所以這個也是我們困擾的地方就是說外資的行為說實在是很難去捉摸的"},{"start":411.266,"end":419.937,"text":"是很難去捉摸的那這樣的話那是我們另外關心的議題了那這樣的話可是呢又有委員啊在院會的時候問院長卓院長說跟美國的關稅談判會不會討論到匯率"},{"start":422.379,"end":445.748,"text":"跟他的關稅談判好像沒有談到沒有涉及到匯率可是我們看到了你的報告說說本年上半年本場進場累計買匯會不會被美國列為你在操作匯率啊沒有啊不會沒有不會確定不會我覺得不會啊你覺得不會還是美國覺得不會還是川普覺得不會如果按照他的三項標準的話"},{"start":446.448,"end":466.256,"text":"我們絕對不會好但是我們有一個問題是國內比較關心的往下看其實台灣的壽險業常常有必別錯配的問題所以我們在國內的資金成本取得高保單的費率高國內的利率低是要進行海外投資對不對這是目前我國壽險的普遍困境所以他都要換匯"},{"start":468.237,"end":484.052,"text":"換匯他還要去每年投入很多避險成本購買避險的商品他有獲利還要買外匯的準備金最近金管會跟壽行要到討論說外匯準備金的制度調整要怎麼看然後他每年投入那麼多的避險成本那還要去買購買避險商品"},{"start":485.598,"end":506.304,"text":"總裁你了解這是我們目前受險業的處境吧我基本上我知道你了解嗎好那現在有個問題來了現在呢昨天我們看到了這個金管會的主委彭主委拍了一個什麼亞資中心的投資論壇有沒有看到新聞報導有看到嗎你知不支持我們卓院長推動的亞資中心"},{"start":506.964,"end":533.872,"text":"当然支持那你也支持我们的兆元投资国家发展方案我也支持好 那我们来看一下我们这个兆元国家投资方案跟亚投资产管理中心就想说必须要我们的金融商品我们的金融业者有一个金融商品这个金融商品透过台币在工建长照还有永续产业用外币的表现放到这里来然后我们有需要外币进来投资是不是这样子"},{"start":535.833,"end":555.301,"text":"那外資進來他是用美元進來啊那他有匯率的風險啊那是不是他也要購買這些避險的商品會購買避險的商品那央行有沒有開放這些匯率的避險商品有啊當然有啊說來聽聽他說將涉外匯業務將槍央行意見我們看一下"},{"start":556.641,"end":577.467,"text":"這個銀行進駐地方資產管理專區的事辦業務這金黃會說的他從今年的1月4月5月到7月他這裡面講了這麼多事情但是業者只要問到說社外會業務將洽央行意見辦理我之前也問了金黃會主委這些外資進來需要"},{"start":578.755,"end":583.698,"text":"匯率的避險商品央行有沒有同意開放可以啊可以啊事實上我跟委員報告這個就是說彭主委他非常積極的來就是說來發展你支持嗎當然支持很好所以他涉及到外匯的我總覺得"},{"start":597.346,"end":602.651,"text":"彭卓偉他都會而且他很謙虛他都會帶隊來我們中央銀行跟事實上我們也去到他那邊彼此互相來討論怎麼讓他具體來講他提出的訴求對中央銀行都會配合是這樣喔確定喔確定"},{"start":616.762,"end":631.924,"text":"確定因為我看你們央行跟今晚會的表達對於匯率的避險商品的作為你們比較保守一點他們期待比較開放一點我想是這樣 委員你也不要就是說保守就是拒絕"},{"start":633.686,"end":642.19,"text":"保守的意思就是說我開放但是會在安全的情況之下如果說我開放然後是非常有危險的時候你覺得中央銀行會開放嗎在還沒答應之前都不是拒絕都是保守"},{"start":651.736,"end":668.894,"text":"不是 我們來是open的好 那我也請主席再看所以說這個事情我要拜託下次彭主委為了雅資中心還有社外的外匯業務跟你求婚的時候你不要"},{"start":669.735,"end":693.456,"text":"謝謝"}]},"gazette":{"lineno":1102,"blocks":[["鍾委員佳濱：（10時52分）主席、在場的委員先進、列席的政府機關首長官員、會場的工作夥伴、媒體記者女士先生，有請楊總裁。"],["主席：請楊總裁。"],["楊總裁金龍：鍾委員早。"],["鍾委員佳濱：總裁好。今天我詢問的主題都是打問號，但是我先請教一個問題，剛剛大家在關心我們新的鈔券，你說面額都維持原來的面額，是嗎？"],["楊總裁金龍：對。"],["鍾委員佳濱：100、200、500、1,000、2,000？"],["楊總裁金龍：是，預計！"],["鍾委員佳濱：有沒有考慮會有更高的面額？因為你剛剛在回答200元的時候有說，這200元可以節省皮夾空間，1張抵2張。既然可以發行2,000，有沒有可能考慮發行1萬？"],["楊總裁金龍：不會。"],["鍾委員佳濱：普發現金1萬領1張就好了。"],["楊總裁金龍：不，因為流通量會更少。"],["鍾委員佳濱：那我問一下，你有參考其他國家，你知道美國聯邦曾經發行最高面額的美鈔是什麼面額嗎？"],["楊總裁金龍：這個我忘了。"],["鍾委員佳濱：我告訴你，在1865年第25任財政部長發行了1萬面額的美鈔，後來到1934年還發行了10萬面額的金幣券，你覺得這個有可能用嗎？這是用在哪裡？為什麼美國要發行這麼大面額的美鈔？"],["楊總裁金龍：我們……"],["鍾委員佳濱：沒關係，我直接告訴你答案，這個跟我們今天討論的紙鈔沒有關聯……"],["楊總裁金龍：政府之間的……"],["鍾委員佳濱：這是政府跟銀行之間交換使用。"],["楊總裁金龍：對！"],["鍾委員佳濱：現在我們回到這裡來，有人說總裁好像在拍馬屁、要把12強冠軍都印上紙鈔，當年我們在1998年發行少棒冠軍鈔票時你有在央行嗎？"],["楊總裁金龍：1998……"],["鍾委員佳濱：你進央行了沒？"],["楊總裁金龍：有。"],["鍾委員佳濱：那時候有人說央行總裁發行這樣是在拍馬屁嗎？"],["楊總裁金龍：沒有。"],["鍾委員佳濱：還是說少棒冠軍可以上鈔票不算拍馬屁，世棒賽12強就是在拍馬屁，有沒有這樣的問題？"],["楊總裁金龍：應該沒有。"],["鍾委員佳濱：沒有嘛，所以就大膽的、放心的把我們國人的驕傲，就算拍馬屁我覺得也是拍我們國人的馬屁……"],["楊總裁金龍：應該也不會啦。"],["鍾委員佳濱：因為棒球是我們國家的光榮，對不對？"],["楊總裁金龍：是！"],["鍾委員佳濱：好，所以儘量去做。","接下來我要請教一下，另外今天比較多聚焦在美國，有沒有聽過川普帳戶？"],["楊總裁金龍：有。"],["鍾委員佳濱：共和黨提案新生兒國家就給他100美元，然後每年他的父母也可以存進去，還可以不用扣稅，到18歲的時候他就有一大筆錢，最近我們國內也有要選縣市長的人做這樣的倡議，你覺得要達到這種倡議有什麼條件？我舉例來講，美國的經濟顧問委員會說，如果每年這樣存1,000元，到18歲可以領到1萬8,000元，如果再加上一些投報率，可以到30萬，到28歲就有109萬。哇！這個真好啊！第一桶金由政府幫你存1,000美金，然後到你18歲、25歲就成為百萬富翁，有這個條件嗎？"],["楊總裁金龍：我覺得這個議題我沒有……"],["鍾委員佳濱：沒有很了解？"],["楊總裁金龍：對，我沒有很了解，不過我覺得主要就是……"],["鍾委員佳濱：要有什麼條件？"],["楊總裁金龍：政府要進去的話，要有budget、要有錢啊！"],["鍾委員佳濱：對，除了政府要有錢，能不能預期成長，是不是有兩個因素？第一，這18年或25年的利率要維持高檔。"],["楊總裁金龍：對，利率，但利率不曉得。"],["鍾委員佳濱：或者說股市的平均回報率要好。"],["楊總裁金龍：對，都不曉得。"],["鍾委員佳濱：都不曉得？"],["楊總裁金龍：對。"],["鍾委員佳濱：如果國內要推的話，央行可不可以告訴政府說沒問題，家長放心，政府準備好budget投入，但是央行讓我們這幾年的利率都維持在高檔，可以嗎？可以這樣嗎？"],["楊總裁金龍：不可能。"],["鍾委員佳濱：不可能？"],["楊總裁金龍：對。"],["鍾委員佳濱：好，那我來問一下，最近FED說要再降息了，美股大為激勵，FED降息，美股大為激勵！你覺得臺灣股市的表現跟你央行降不降息有沒有關聯？"],["楊總裁金龍：好像比較沒有。"],["鍾委員佳濱：沒有什麼關聯？"],["楊總裁金龍：對。"],["鍾委員佳濱：那你認為臺灣股市的表現主要是考量什麼因素？"],["楊總裁金龍：我們臺灣的股市說實在大部分都是跟著美國的……"],["鍾委員佳濱：跟著台積電走？"],["楊總裁金龍：跟著台積電走，台積電這些科技類股也是跟著美國的科技類股在走。"],["鍾委員佳濱：科技類股啦！所以如果FED降息，有可能熱錢統統會被吸回去嗎？"],["楊總裁金龍：不一定啦！"],["鍾委員佳濱：還是這些錢會跑到臺灣來賺利差，你覺得呢？"],["楊總裁金龍：這個都很難去……"],["鍾委員佳濱：很難講？"],["楊總裁金龍：對，很難講。"],["鍾委員佳濱：沒有一定？"],["楊總裁金龍：對，很難講。"],["鍾委員佳濱：所以如果照你剛剛講的，其實高科技才是我們的優勢股，那麼外資是否投資臺股跟FED是否降息有沒有關聯？我舉一個例子，上週一……"],["楊總裁金龍：應該也有。"],["鍾委員佳濱：也有，但是你看看，國慶日那天川普又宣布要提高中國的關稅，結果美國股市大跌，大家預期隔天10月12號（星期一）臺股開盤的時候會大跌，那有沒有大跌？台積電有沒有大跌？"],["楊總裁金龍：沒有。"],["鍾委員佳濱：沒有，是因為散戶，500萬的零股戶把台積電撐上來！"],["楊總裁金龍：是，沒有錯。"],["鍾委員佳濱：所以表示臺灣的股市不見得跟著美國的股市走。"],["楊總裁金龍：是。"],["鍾委員佳濱：美國的股市雖然跟FED降息有關，但臺灣的股市表現……"],["楊總裁金龍：我覺得委員對股票的知識比我還強。"],["鍾委員佳濱：謝謝誇獎，但是你不買股票，我也不買股票。"],["楊總裁金龍：是啊，確實啊，你講得頭頭是道，都是我不知道的。"],["鍾委員佳濱：我要請教一下，現在有一個問題來了，外匯存底再度改寫歷史新高，多少？超過6,000億了，怎麼辦？現在央行的業務報告說你們要運用外匯存底的投資運用效益，考量到兌美元的匯率變動，所以要維持市場的秩序跟進場條件；講了半天，我們想問的是美國FED未降息，熱錢就跑來臺灣了，如果它再降息，會不會造成外資願意加碼臺股，甚至會影響到匯率，有沒有這個可能？央行怎麼因應？"],["楊總裁金龍：我剛剛在講到這個……"],["鍾委員佳濱：我問了三個問題。"],["楊總裁金龍：譬如9月份的時候美國降息，大家都會認為美國降息的時候美元會弱，但是9月以後好像也沒有變弱，最近它都很強啊！"],["鍾委員佳濱：很強？"],["楊總裁金龍：對，所以也就是說……"],["鍾委員佳濱：跟臺灣的匯率也不會有影響？"],["楊總裁金龍：這個猜測好像也是不大對。"],["鍾委員佳濱：也不大對，所以也不會影響到匯率？"],["楊總裁金龍：這個也是我們困擾的地方，就是外資的行為說實在是很難去捉摸的。"],["鍾委員佳濱：好，這樣的話，那就是我們另外要關心的議題了，可是又有委員在院會的時候問卓院長跟美國的關稅談判會不會討論到匯率？"],["楊總裁金龍：跟他的關稅談判……"],["鍾委員佳濱：會不會討論到匯率？"],["楊總裁金龍：沒有談到。"],["鍾委員佳濱：完全沒有？"],["楊總裁金龍：沒有涉及到匯率。"],["鍾委員佳濱：可是我們看到你的報告說：本年上半年本行進場累計淨買匯超過132.5億美元。"],["楊總裁金龍：這個跟……"],["鍾委員佳濱：會不會被美國認為你在操作匯率？"],["楊總裁金龍：沒有啊！"],["鍾委員佳濱：不會？"],["楊總裁金龍：不會。"],["鍾委員佳濱：確定不會？"],["楊總裁金龍：我覺得不會啊！"],["鍾委員佳濱：你覺得不會，還是美國覺得不會，還是川普覺得不會？"],["楊總裁金龍：如果按照它的三項標準的話，不會。"],["鍾委員佳濱：你們覺得不會？"],["楊總裁金龍：是。"],["鍾委員佳濱：好，但是有一個問題是國內比較關心的，其實臺灣的壽險業常常有幣別錯配的問題，所以我們在國內的資金成本取得高，保單的費率高、國內的利率低，所以要進行海外投資，對不對？"],["楊總裁金龍：對。"],["鍾委員佳濱：這是目前我國壽險業的普遍困境。"],["楊總裁金龍：是。"],["鍾委員佳濱：所以他們都要換匯，換匯還要每年投入很多避險成本，購買避險的商品，有獲利還會買外匯的準備金，最近金管會跟壽險業都要討論外匯準備金的制度調整要怎麼看，他們每年投入那麼多的避險成本，還要去購買避險商品。總裁，你了解這是目前壽險業的處境吧？"],["楊總裁金龍：基本上我知道。"],["鍾委員佳濱：你了解嘛！好。那現在有一個問題來了，昨天我們看到金管會的彭主委拍了一個亞資中心的投資論壇，有沒有看到新聞報導？"],["楊總裁金龍：有。"],["鍾委員佳濱：有看到嘛！你支不支持卓院長推動的亞資中心？"],["楊總裁金龍：當然支持啊！"],["鍾委員佳濱：那你也支持我們的兆元投資國家發展方案囉？"],["楊總裁金龍：我也支持啊！"],["鍾委員佳濱：好，我們來看一下，我們的兆元國家投資方案跟亞洲資產管理中心就講，金融業者必須要有一個金融商品，這個金融商品透過臺幣在長照還有永續產業，用外幣的表現放到這裡來，然後我們需要外幣進來投資，是不是這樣子？"],["楊總裁金龍：對。"],["鍾委員佳濱：好，那這樣外資是用美元進來啊？"],["楊總裁金龍：是。"],["鍾委員佳濱：有匯率的風險啊！"],["楊總裁金龍：對。"],["鍾委員佳濱：他們是不是也要購買這些避險的商品？"],["楊總裁金龍：會啊！"],["鍾委員佳濱：會購買避險的商品？"],["楊總裁金龍：對。"],["鍾委員佳濱：央行有沒有開放這些匯率的避險商品？"],["楊總裁金龍：有啊，當然有！"],["鍾委員佳濱：好，說來聽聽，涉外匯業務將洽央行意見，我們看一下……"],["楊總裁金龍：有啦！很多啦！"],["鍾委員佳濱：銀行進駐地方資產管理專區的試辦業務，這是金管會說的，從今年的1月、4月、5月到7月，這裡面講了這麼多事情，但業者只要問到：哎呀，涉外匯業務將洽央行意見辦理……"],["楊總裁金龍：對啊，沒有錯！"],["鍾委員佳濱：我之前也問了金管會主委，這些外資進來需要匯率的避險商品，央行有沒有同意開放？"],["楊總裁金龍：可以啊！我跟委員報告，彭主委非常積極的來發展……"],["鍾委員佳濱：那你支持嗎？"],["楊總裁金龍：當然支持。"],["鍾委員佳濱：很好。"],["楊總裁金龍：涉及到外匯的，我總覺得彭主委他都會，而且他很謙虛，他都會帶隊來我們中央銀行，事實上我們也去他們那邊，彼此互相討論，怎麼樣來開放……"],["鍾委員佳濱：具體來講，他提出的訴求，你們央行都採納？"],["楊總裁金龍：對、對，中央銀行都會配合。"],["鍾委員佳濱：是這樣喔？確定喔？"],["楊總裁金龍：是，確定。"],["鍾委員佳濱：我會再問他喔！"],["楊總裁金龍：確定。"],["鍾委員佳濱：因為我看央行跟金管會的表達，對於匯率避險商品的作為，你們比較保守一點，他們期待比較開放一點。"],["楊總裁金龍：我想是這樣，委員你也不要說保守就是拒絕，也不是……"],["鍾委員佳濱：喔，保守不是拒絕？"],["楊總裁金龍：保守的意思是，我開放，但會在安全的情況之下……"],["鍾委員佳濱：我去跟我女朋友求婚，在她沒答應之前，她都是保守，不是拒絕？"],["楊總裁金龍：如果我開放，但是是在非常危險的時候，你覺得中央銀行會開放嗎？"],["鍾委員佳濱：我知道，就是在還沒答應之前都不是拒絕，都是保守？"],["楊總裁金龍：這也不是，我們還是open的。"],["鍾委員佳濱：喔，是open的？"],["楊總裁金龍：是啊。"],["鍾委員佳濱：因為主席在看了，所以說這個事情我要拜託，下次彭主委為了亞資中心還有涉外的外匯業務跟你求婚的時候，你不要拒絕，你要開放……"],["楊總裁金龍：是。"],["鍾委員佳濱：你要點頭，好不好？"],["楊總裁金龍：是。"],["鍾委員佳濱：我們請央行研議亞洲資產管理中心開放匯率避險商品，好不好？"],["楊總裁金龍：好，可以。"],["鍾委員佳濱：以有效吸引境外資金來臺投資的可行性，一個月提出來。"],["楊總裁金龍：好。"],["鍾委員佳濱：點頭不算，白紙黑字我拿去問彭主委，這樣才表示你是開放跟支持的，好不好？"],["楊總裁金龍：好。"],["鍾委員佳濱：可以喔？謝謝。"],["主席：謝謝鍾佳濱委員，總裁請回座。","接下來請黃珊珊委員質詢。"]],"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":[]}