{"error":false,"id":["168012"],"data":{"IVOD_ID":168012,"IVOD_URL":"https://ivod.ly.gov.tw/Play/Clip/1M/168012","日期":"2026-03-30","會議資料":{"會議代碼":"委員會-11-5-20-6","會議代碼:str":"第11屆第5會期財政委員會第6次全體委員會議","屆":11,"會期":5,"會次":6,"臨時會會次":null,"種類":"委員會","委員會代碼":[20],"委員會代碼:str":["財政委員會"],"標題":"第11屆第5會期財政委員會第6次全體委員會議"},"影片種類":"Clip","開始時間":"2026-03-30T09:59:41+08:00","結束時間":"2026-03-30T10:11:23+08:00","影片長度":"00:11:42","支援功能":["ai-transcript"],"video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/d0265d86f2f18c67cc7be3cf7bd591485334e86b5f84e1ac97994c33887c71277ddab3ead9da41ef5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"林岱樺","委員發言時間":"09:59:41 - 10:11:23","會議時間":"2026-03-30T09:00:00+08:00","會議名稱":"立法院第11屆第5會期財政委員會第6次全體委員會議（事由：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，並備質詢。）","transcript":{"pyannote":[{"speaker":"SPEAKER_01","start":0.03096875,"end":14.037218750000001},{"speaker":"SPEAKER_02","start":11.556593750000001,"end":11.99534375},{"speaker":"SPEAKER_02","start":14.037218750000001,"end":14.30721875},{"speaker":"SPEAKER_01","start":14.30721875,"end":38.354093750000004},{"speaker":"SPEAKER_02","start":32.78534375,"end":33.12284375},{"speaker":"SPEAKER_02","start":36.91971875,"end":37.76346875},{"speaker":"SPEAKER_02","start":38.354093750000004,"end":38.978468750000005},{"speaker":"SPEAKER_01","start":38.59034375,"end":53.642843750000004},{"speaker":"SPEAKER_02","start":44.564093750000005,"end":45.03659375},{"speaker":"SPEAKER_00","start":45.03659375,"end":45.05346875},{"speaker":"SPEAKER_00","start":47.719718750000006,"end":47.77034375},{"speaker":"SPEAKER_02","start":47.77034375,"end":48.17534375},{"speaker":"SPEAKER_01","start":53.929718750000006,"end":66.06284375},{"speaker":"SPEAKER_02","start":58.384718750000005,"end":59.07659375},{"speaker":"SPEAKER_01","start":66.65346875,"end":71.36159375},{"speaker":"SPEAKER_02","start":71.36159375,"end":71.73284375},{"speaker":"SPEAKER_01","start":71.53034375,"end":86.11034375},{"speaker":"SPEAKER_02","start":86.11034375,"end":86.48159375},{"speaker":"SPEAKER_01","start":86.43096875,"end":108.52034375000001},{"speaker":"SPEAKER_01","start":108.65534375,"end":113.39721875000001},{"speaker":"SPEAKER_02","start":113.24534375,"end":115.65846875000001},{"speaker":"SPEAKER_01","start":113.59971875000001,"end":122.29034375},{"speaker":"SPEAKER_02","start":122.57721875000001,"end":122.72909375},{"speaker":"SPEAKER_01","start":122.72909375,"end":132.17909375000002},{"speaker":"SPEAKER_01","start":132.38159375,"end":139.77284375000002},{"speaker":"SPEAKER_02","start":139.77284375000002,"end":140.17784375000002},{"speaker":"SPEAKER_01","start":140.16096875,"end":165.08534375000002},{"speaker":"SPEAKER_00","start":151.01159375,"end":151.43346875},{"speaker":"SPEAKER_02","start":165.06846875000002,"end":165.45659375000002},{"speaker":"SPEAKER_01","start":165.30471875,"end":173.15159375000002},{"speaker":"SPEAKER_02","start":173.06721875000002,"end":173.42159375},{"speaker":"SPEAKER_01","start":173.35409375,"end":178.12971875000002},{"speaker":"SPEAKER_02","start":178.12971875000002,"end":178.51784375},{"speaker":"SPEAKER_01","start":178.38284375,"end":185.48721875},{"speaker":"SPEAKER_02","start":185.40284375000002,"end":185.85846875000001},{"speaker":"SPEAKER_01","start":185.72346875000002,"end":227.48909375000002},{"speaker":"SPEAKER_02","start":212.89221875,"end":212.97659375},{"speaker":"SPEAKER_01","start":227.80971875,"end":238.37346875000003},{"speaker":"SPEAKER_01","start":239.20034375,"end":256.17659375},{"speaker":"SPEAKER_02","start":256.17659375,"end":256.53096875},{"speaker":"SPEAKER_01","start":256.44659375000003,"end":256.85159375},{"speaker":"SPEAKER_01","start":257.37471875,"end":266.65596875},{"speaker":"SPEAKER_01","start":266.87534375,"end":268.91721875},{"speaker":"SPEAKER_01","start":269.06909375000004,"end":272.71409375},{"speaker":"SPEAKER_01","start":272.78159375,"end":279.49784375},{"speaker":"SPEAKER_02","start":279.43034375,"end":279.73409375},{"speaker":"SPEAKER_01","start":279.51471875000004,"end":304.96221875000003},{"speaker":"SPEAKER_02","start":304.96221875000003,"end":305.38409375000003},{"speaker":"SPEAKER_01","start":305.33346875,"end":331.23659375},{"speaker":"SPEAKER_00","start":326.68034375,"end":326.71409375},{"speaker":"SPEAKER_00","start":326.83221875000004,"end":327.33846875},{"speaker":"SPEAKER_01","start":331.81034375,"end":384.46034375000005},{"speaker":"SPEAKER_02","start":347.13284375,"end":347.55471875},{"speaker":"SPEAKER_01","start":384.91596875000005,"end":391.07534375},{"speaker":"SPEAKER_02","start":390.99096875000004,"end":391.41284375000004},{"speaker":"SPEAKER_01","start":391.24409375000005,"end":394.04534375000003},{"speaker":"SPEAKER_01","start":394.75409375000004,"end":400.20471875000004},{"speaker":"SPEAKER_02","start":400.17096875000004,"end":400.47471875},{"speaker":"SPEAKER_01","start":400.45784375000005,"end":414.59909375},{"speaker":"SPEAKER_02","start":414.49784375,"end":414.85221875},{"speaker":"SPEAKER_01","start":414.66659375,"end":428.97659375},{"speaker":"SPEAKER_00","start":429.19596875,"end":432.63846875},{"speaker":"SPEAKER_00","start":432.79034375000003,"end":436.77284375000005},{"speaker":"SPEAKER_00","start":436.97534375000004,"end":455.04846875000004},{"speaker":"SPEAKER_01","start":452.55096875000004,"end":452.82096875},{"speaker":"SPEAKER_01","start":453.93471875,"end":456.58409375},{"speaker":"SPEAKER_00","start":458.11971875,"end":472.48034375000003},{"speaker":"SPEAKER_01","start":471.28221875,"end":507.88409375000003},{"speaker":"SPEAKER_00","start":472.78409375,"end":475.66971875},{"speaker":"SPEAKER_00","start":498.94034375,"end":499.02471875000003},{"speaker":"SPEAKER_02","start":499.02471875000003,"end":499.86846875000003},{"speaker":"SPEAKER_02","start":503.93534375,"end":504.17159375000006},{"speaker":"SPEAKER_02","start":507.88409375000003,"end":508.23846875000004},{"speaker":"SPEAKER_01","start":508.23846875000004,"end":515.41034375},{"speaker":"SPEAKER_02","start":515.7478437500001,"end":516.0009687500001},{"speaker":"SPEAKER_01","start":515.8828437500001,"end":546.9834687499999},{"speaker":"SPEAKER_02","start":529.88909375,"end":529.99034375},{"speaker":"SPEAKER_01","start":547.47284375,"end":572.7009687500001},{"speaker":"SPEAKER_02","start":572.86971875,"end":573.19034375},{"speaker":"SPEAKER_01","start":573.19034375,"end":585.1884687500001},{"speaker":"SPEAKER_02","start":574.8272187499999,"end":574.9115937500001},{"speaker":"SPEAKER_02","start":581.9990937499999,"end":582.4209687499999},{"speaker":"SPEAKER_01","start":585.59346875,"end":587.1797187500001},{"speaker":"SPEAKER_02","start":587.07846875,"end":587.21346875},{"speaker":"SPEAKER_01","start":587.21346875,"end":590.92596875},{"speaker":"SPEAKER_02","start":587.28096875,"end":587.3315937500001},{"speaker":"SPEAKER_02","start":590.77409375,"end":591.1115937500001},{"speaker":"SPEAKER_01","start":591.1115937500001,"end":604.10534375},{"speaker":"SPEAKER_01","start":604.6284687500001,"end":607.7165937500001},{"speaker":"SPEAKER_01","start":608.17221875,"end":609.6572187500001},{"speaker":"SPEAKER_01","start":609.8090937500001,"end":617.89221875},{"speaker":"SPEAKER_01","start":618.1453437499999,"end":624.77721875},{"speaker":"SPEAKER_01","start":625.18221875,"end":627.44346875},{"speaker":"SPEAKER_01","start":627.88221875,"end":659.4384687500001},{"speaker":"SPEAKER_01","start":660.07971875,"end":662.2565937500001},{"speaker":"SPEAKER_00","start":662.2565937500001,"end":667.70721875},{"speaker":"SPEAKER_01","start":666.39096875,"end":692.4797187500001},{"speaker":"SPEAKER_00","start":668.93909375,"end":669.47909375},{"speaker":"SPEAKER_00","start":670.2553437500001,"end":670.8797187499999},{"speaker":"SPEAKER_00","start":691.6865937500002,"end":696.1753437500001}],"whisperx":[{"start":0.089,"end":12.646,"text":"也是針對這個台幣匯率的穩定不應單靠美債就我們這個我們本國央行美債尤其是工業國家的債券跟黃金的配比的策略也是要救教這個總裁"},{"start":15.009,"end":37.366,"text":"我想在外匯存體的部分的治理不過有這個三層保障當然貨幣政策以穩定為優先外匯存體是台幣實質購買力的核心支撐這也就是為什麼我一塊麵包可以用30元台幣而不是用3000元台幣來購買所以這也是穩健的外匯存體跟貨幣政策保障了人民台幣購買力"},{"start":38.728,"end":51.247,"text":"那外匯存底的這個穩定的外匯存底跟黃金儲備人民也得到三個保障那第一個匯率與物價的緩衝保障當外部衝擊來的時候央行更有能力來穩定市場減少進口物價 油價"},{"start":54.071,"end":75.407,"text":"原物料與藥品價格被匯率波動放大的風險第二個呢這個保障是金融跟就業的穩定保障企業與銀行的外幣調度若更穩金融市場就較不容易因為突發的震盪而緊縮對投資融資就業當然有幫忙"},{"start":76.267,"end":84.995,"text":"那第三個呢這樣的穩定的一些政策呢也讓國際貿易與企業競爭力成為國際貿易跟企業競爭力的後盾外匯存底及黃金儲備會穩定新台幣對外匯率與確保國際支付的能力為企業在國際貿易中提供這個"},{"start":99.028,"end":116.652,"text":"安定的貿易基礎我講到這個啊其實當然外匯的台灣的外匯存體跟黃金庫存配置是否合理那在這邊呢我講到這三點保障其實是我要給央行說聲讚啦其實在外匯存體6029億的美金當國際金融震盪兩岸局勢緊張尤其現在"},{"start":122.834,"end":147.981,"text":"全球油價蕩漲的時候我們這筆錢確實是用來穩定新台幣穩定物價保護我國民生開支的最後一道防線美伊戰爭之下台幣匯率目前是穩定的所以在這邊也感謝總裁跟各位同仁的用心那當然我還是會提到這個台幣穩定台幣價值的兩大支柱的對比到底黃金儲備跟債券"},{"start":148.681,"end":177.619,"text":"那黃金呢還是硬通貨啦這個價值基礎具有內在的價值而且是避險之王不會隨著國家的信用消失而歸零如果現在真的發生債券要貸的話會是貸黃金不會是貸鑽石其實理由就在這邊那債券呢這個是本席的這個對於為什麼本國持有這麼高比例的美債我是有疑慮的還是在於債券它是他國的信用保證"},{"start":178.479,"end":184.366,"text":"它的價值基礎完全取決於發行國的幣值跟主權債性也就是會面臨發行國的通膨與信用貶值所以當美元在貶的時候我們國家也可能會跟著貶"},{"start":196.801,"end":200.903,"text":"它在美元漲的時候我們台灣的台幣也會跟著連動性的漲這就是一個我們要注意所以財務操作的基本原則是風險規避我想這個是基本常識"},{"start":213.669,"end":236.443,"text":"財務操作的基本原則是風險規避所以美債持有將近外匯存底的八成甚至八成五為什麼把雞蛋全部放在同一個籃子裡有沒有評估增持其他工業國家的債券呢以間接強化外交的影響力比如說我想目前我們最"},{"start":239.245,"end":255.631,"text":"一個事件在美中的這個加稅的競爭當中中國他就曾經喊出說好啊如果美國你再繼續對我中國做不合理的加稅的話那我就要拋售美債"},{"start":257.612,"end":286.767,"text":"這就是對於在只有當一個債券的持有是對於外交的影響力我是不是也可以對其他的工業國家本國我們對於德國日本的債德國他也可以發行美債啊英國也可以發行美債啊日本也可以發行美債啊當然他們國家的債券我們當然也可以評估啊有沒有可能這樣的這也間接的在我們影響外交影響力當中我們的貨幣政策是可以盡一點心力的"},{"start":287.367,"end":301.305,"text":"另外在投資學的三大原理流動性跟獲利性跟安全性當我國過渡只有這麼多的美債這個安全性又在哪裡呢好 這個總裁你先暫時先把這個我的問題先放下我們再看黃金"},{"start":305.61,"end":331.021,"text":"黃金在各國 這個是我調出來的資料這個各國持有美國公債的比例跟黃金的比例我就看後面這五年2020年3月到2025年3月這當中國際上持有美債其實是最後的2020到2025是持平的甚至也緩慢下降但是黃金是升值的"},{"start":331.821,"end":333.242,"text":"這個是一個國際趨勢這個是你們提供給我的我們從78年一直到115年2月我整個黃金的存庫38年來是持平的"},{"start":347.632,"end":356.922,"text":"這跟國際上的一個局勢上那所以這也要救教總裁那為什麼黃金不增持呢這兩年來的黃金價格從2176美元超到現在5200、1100"},{"start":365.47,"end":392.703,"text":"五千兩百一十一美元漲幅高達百分之一百四當然這一兩週有下降但是你不可以去否認一件事實這樣的一個是呈現一個上升的趨勢黃金作為實質保證的戰略價值當全世界央行都在這個曲線上獲利避險的時候台灣央行的黃金石油量卻是一條死魚幾十年沒有成長好我在這邊有一個具體針對"},{"start":396.284,"end":412.429,"text":"這兩個這樣的訴求總裁你可以一併的表達您的看法在降低資產配置高風險的策略提出如何解決主要債券過度集中的風險的說明是否評估增持其他工業國家的債券來分散風險並間接強化外交影響力"},{"start":414.87,"end":431.66,"text":"另外也提出黃金持有策略的評估報告為新台幣提供更強大的實質支撐對應全球的在信貨幣的貶值潮總裁您回應一下我覺得"},{"start":433.281,"end":451.352,"text":"委員分析得很好你分析得很好不過我想因為你時間也有限所以你也要我們做功課那我非常贊同就是說我們也來就是說做個功課來看看能不能來說服我們委員所提出來的這個"},{"start":455.675,"end":467.583,"text":"都不調整啊當然啦當然啦就是說這個這個我所謂的說服的話呢表示就是說我們的做法是什麼也不是說就是硬梆梆的就NO也不是這個意思"},{"start":470.885,"end":499.222,"text":"好 那兩週內提供出來好嗎是是是 一定會那另外本席要針對這個當然了外匯存體是可以穩健但不能過度集中這是本席一再強調其他工業國家的債券是否也予以評估黃金可以不追高但是不能沒有策略來維持國內物價跟獲利的穩定央行必須具備與時俱進的合理外匯存體跟黃金資產的配置"},{"start":499.802,"end":515.111,"text":"那這是本期的還是一個最終的期待那另外我針對信用管制的無差別性那這個台灣房價的所得比就是衡量購屋壓力的指標呈現的是區域分化"},{"start":516.431,"end":533.177,"text":"這個六都跟其他縣市即使是六都 北 中南 高雄市跟台北市整個在這個購屋的壓力的指標就已經有很大的不一樣所以央行是否考慮分期管制"},{"start":533.817,"end":559.837,"text":"譬如說針對特定的房屋過熱區淡黃區實施高強度的管制但給予非六都或基礎建設發展中的地區或者是北中南東我們的區域發展是不平衡的那是不是給予非六都或者是北中南東不同的區域或者是在基礎建設發展中的地區有較大的信貸彈性"},{"start":561.698,"end":584.929,"text":"那給予支持地方創生跟人口回流所以在這邊是不是您願意來評估滾動式的檢討納入區域差異指標在你做信貸的時候因為就我一個直轄市高雄市我就覺得我跟台北市的資源長期以來就分配不均了我不要說六度光是六度我就覺得北中南"},{"start":585.689,"end":607.21,"text":"就已經有很大的差別了我們跟台南跟高雄跟台北我就覺得差別很大包括新北也是一樣我都覺得我們都覺得相關的資源基礎建設我們南部高雄就有一條快速道路你很難想像你在台北新北基隆桃園"},{"start":608.692,"end":627.214,"text":"幾十條的幾十條一二十條的這個快速道路你很能想像喔快速道路我們高雄只有一個八八屏東高雄一條現在要增建第二條叫做國七你看北部台北新北桃園基隆包括他的這個捷運的綿密度"},{"start":627.995,"end":648.353,"text":"所以光是這樣的基礎建設 包括 只是說你在做信貸的時候我希望你能夠納入區域指標 針對六都與非六都 這是一個指標你針對區域的發展 北中南東 也是一個區域指標能夠呢 這個 以及呢 在基礎建設發展地區需要較大的 譬如說特別一些農業區"},{"start":649.634,"end":650.916,"text":"總裁您怎麼看這樣的一個建議呢您的建議我們會考量"},{"start":666.437,"end":692.644,"text":"好您這個也可以兩個禮拜評估一下我覺得這很嚴肅喔在這個信貸當中你的一個打房政策跟我們這個新清安的這樣子當然是很矛盾我在總諮詢都有提出來那當然現在是對於本身你要做再持續的做信貸的一個這個放寬或加嚴的時候我相信我要請託你在區域的均衡上這個一定指標一定要納入好謝謝 以上好謝謝林委員下一位請劉書斌委員質詢"}]}},"supported_relations":[],"relations":[]}