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11:24:31","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_00","start":4.384718750000001,"end":4.806593750000001},{"speaker":"SPEAKER_01","start":4.806593750000001,"end":9.34596875},{"speaker":"SPEAKER_01","start":9.76784375,"end":28.02659375},{"speaker":"SPEAKER_00","start":21.31034375,"end":21.88409375},{"speaker":"SPEAKER_00","start":24.02721875,"end":24.044093750000002},{"speaker":"SPEAKER_00","start":24.297218750000003,"end":24.36471875},{"speaker":"SPEAKER_01","start":28.21221875,"end":31.95846875},{"speaker":"SPEAKER_00","start":28.54971875,"end":28.617218750000003},{"speaker":"SPEAKER_01","start":32.31284375,"end":33.67971875},{"speaker":"SPEAKER_01","start":33.94971875,"end":36.345968750000004},{"speaker":"SPEAKER_01","start":36.63284375,"end":41.25659375},{"speaker":"SPEAKER_00","start":36.970343750000005,"end":37.02096875},{"speaker":"SPEAKER_01","start":41.69534375,"end":42.471593750000004},{"speaker":"SPEAKER_01","start":42.64034375,"end":52.07346875},{"speaker":"SPEAKER_01","start":52.34346875,"end":57.017843750000004},{"speaker":"SPEAKER_01","start":57.57471875,"end":59.869718750000004},{"speaker":"SPEAKER_01","start":60.156593750000006,"end":74.21346875},{"speaker":"SPEAKER_00","start":65.84346875,"end":65.86034375},{"speaker":"SPEAKER_00","start":74.56784375000001,"end":107.20409375000001},{"speaker":"SPEAKER_00","start":107.81159375,"end":126.18846875000001},{"speaker":"SPEAKER_01","start":126.54284375,"end":128.73659375},{"speaker":"SPEAKER_00","start":127.28534375000001,"end":149.42534375},{"speaker":"SPEAKER_00","start":150.45471875,"end":153.15471875},{"speaker":"SPEAKER_01","start":151.95659375,"end":161.03534375},{"speaker":"SPEAKER_00","start":161.03534375,"end":161.82846875},{"speaker":"SPEAKER_01","start":161.82846875,"end":165.10221875000002},{"speaker":"SPEAKER_00","start":164.68034375000002,"end":165.62534375},{"speaker":"SPEAKER_01","start":165.77721875,"end":169.52346875},{"speaker":"SPEAKER_00","start":169.11846875,"end":170.24909375000001},{"speaker":"SPEAKER_01","start":170.24909375000001,"end":175.90221875},{"speaker":"SPEAKER_00","start":175.31159375000001,"end":175.58159375000002},{"speaker":"SPEAKER_01","start":175.96971875,"end":178.83846875},{"speaker":"SPEAKER_01","start":178.92284375,"end":186.51659375},{"speaker":"SPEAKER_00","start":180.52596875,"end":180.82971875},{"speaker":"SPEAKER_01","start":187.27596875,"end":195.34221875},{"speaker":"SPEAKER_00","start":195.34221875,"end":303.47721875},{"speaker":"SPEAKER_01","start":195.35909375,"end":195.69659375},{"speaker":"SPEAKER_01","start":303.47721875,"end":305.29971875},{"speaker":"SPEAKER_00","start":303.49409375000005,"end":303.67971875},{"speaker":"SPEAKER_01","start":305.62034375,"end":312.57284375},{"speaker":"SPEAKER_00","start":312.57284375,"end":313.51784375},{"speaker":"SPEAKER_01","start":313.18034375,"end":329.04284375000003},{"speaker":"SPEAKER_00","start":314.59784375000004,"end":315.91409375},{"speaker":"SPEAKER_00","start":318.31034375,"end":319.50846875},{"speaker":"SPEAKER_00","start":324.28409375,"end":324.33471875000004},{"speaker":"SPEAKER_00","start":324.57096875,"end":324.67221875},{"speaker":"SPEAKER_01","start":329.27909375,"end":331.43909375000004},{"speaker":"SPEAKER_00","start":331.43909375000004,"end":345.25971875000005},{"speaker":"SPEAKER_01","start":332.72159375,"end":334.03784375000004},{"speaker":"SPEAKER_01","start":334.72971875,"end":334.96596875},{"speaker":"SPEAKER_01","start":335.64096875,"end":336.07971875000004},{"speaker":"SPEAKER_01","start":336.99096875000004,"end":337.31159375000004},{"speaker":"SPEAKER_00","start":345.34409375,"end":362.23596875000004},{"speaker":"SPEAKER_00","start":362.62409375000004,"end":378.11534375},{"speaker":"SPEAKER_01","start":375.38159375000004,"end":398.33159375},{"speaker":"SPEAKER_00","start":378.30096875000004,"end":379.46534375000005},{"speaker":"SPEAKER_00","start":389.57346875,"end":390.21471875000003},{"speaker":"SPEAKER_00","start":391.46346875,"end":392.74596875000003},{"speaker":"SPEAKER_00","start":393.89346875,"end":393.97784375000003},{"speaker":"SPEAKER_00","start":397.57221875000005,"end":404.38971875000004},{"speaker":"SPEAKER_01","start":399.12471875,"end":401.08221875000004},{"speaker":"SPEAKER_01","start":401.63909375000003,"end":401.97659375},{"speaker":"SPEAKER_01","start":406.17846875000004,"end":423.79596875000004},{"speaker":"SPEAKER_00","start":409.53659375,"end":411.40971875},{"speaker":"SPEAKER_00","start":423.52596875,"end":432.13221875000005},{"speaker":"SPEAKER_01","start":424.26846875,"end":424.40346875},{"speaker":"SPEAKER_00","start":432.35159375,"end":437.16096875000005},{"speaker":"SPEAKER_00","start":438.05534375,"end":458.13659375000003},{"speaker":"SPEAKER_00","start":458.52471875000003,"end":462.69284375},{"speaker":"SPEAKER_00","start":462.96284375000005,"end":464.73471875},{"speaker":"S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可不可以說明一下"},{"start":75.766,"end":91.218,"text":"現在還是在研究當中不過這個概念我們以前都有只是說到目前為止還沒有一個具體化而且全球的中央銀行很少數的國家除了英國 英國我知道"},{"start":91.798,"end":95.102,"text":"英國的通膨的scenario的分析就有一點類似我們現在所講的IMF的風險值的概念"},{"start":108.4,"end":125.958,"text":"不過到目前為止呢我們有以前基本上我們以前就有這個概念只是說我們再深入再探討它只是說到目前為止我們還沒有就是說有做這樣的就像英國的這樣的一個上行的一個range的一個預測到目前為止我們還沒有"},{"start":128.34,"end":148.966,"text":"還沒有做完一個完整的報告還沒有不過我也跟委員報告事實上雖然就是說這個也是一個學術探討的一個主題不過我以前我對英國的這種它的一個預測方法我也不會覺得就是說是非常的先進"},{"start":150.475,"end":163.121,"text":"我也不會認為它是很先進的台灣作為一個小型開放的經濟體是那挑戰跟應對措施需要考核綜合考量多方面的因素是尤其是中東戰爭還有能源飆漲的問題"},{"start":165.842,"end":184.609,"text":"那我們是一個高度依賴進口能源的一個開放型的經濟體對 沒有錯那面臨的一個嚴峻的挑戰尤其是能源跟海運的成本對那對台灣的經濟成長跟民生造成了絕對的壓力對所以央行在這一塊你要面對這一些挑戰對那"},{"start":187.39,"end":213.621,"text":"是否會選擇升息或者是這個應對持續的用升息來應對持續的一個物價壓力我跟委員報告就是說對於就是說台灣目前就是說中東所產生的這個原物料的價格的上漲事實上一方面政府的穩定措施是有效的我覺得另外一方面中英郎必須要做的第一個"},{"start":214.221,"end":231.741,"text":"我們要阻止防止這個輸入性的通膨的問題的疑慮這是第一個就是說那所謂的要防止這個輸入性通膨的一個壓力的話呢第一個我們的匯率一定要穩定這個是中央銀行這是我們的職責"},{"start":233.783,"end":256.217,"text":"因為油價高你又匯率如果說大無貶值的話就雪上加霜這是第一個點那第二點呢你剛剛所講的利率的問題利率呢是屬於需求面的一個控管的一個工具在供給面的一個問題上呢用需求面去解決他的比較比較不方便比較不好但是呢"},{"start":256.897,"end":274.726,"text":"他在第二輪也就是說在通膨的一個預期在上升的時候呢也就是說通膨的預期在形成的時候呢總理必須要注意除了我們的匯率的政策以外呢我們的利率政策也必須要stand by我們就是要必須要準備在那邊這個就是說為什麼"},{"start":277.748,"end":297.221,"text":"全球的中央銀行對這一次的一個中東的戰爭他們的態度從以前的一個寬鬆的態度變成現在是要緊縮的態度台灣的中央銀行也是一樣的我們是要stand by在適當的時機我們的貨幣政策我們的利率政策也必須要做政策我們長期的觀察銀行在貨幣操作上"},{"start":305.786,"end":331.037,"text":"是採這個非對稱性的嘛就是俗稱的說這個匯率政策這個生不足貶阻擋的阻生不足貶所以說當新台幣有升值壓力的時候那我們央行會積極的干預為了要保護我們這些出口業嘛出口產業但是當面對貶值所引發的我們的進口通膨干預力道就相對保守"},{"start":331.557,"end":361.077,"text":"所以你從A30一直到現在A30不夠委員你講這個的時候我才要再借這個機會跟委員報告事實上市面上這種政說法是完全完全他沒有那個什麼實務上的一個實務上的一個就是說實務上他不知道實務上中央銀行是怎麼運作的"},{"start":361.617,"end":377.546,"text":"所以說中央銀行主生不足貶這個確實在實務上是說不通的在理論上是好像在市場上好像很容易接受就是說主生不足貶現在美台利差持續擴大所以台幣貶值壓力很大"},{"start":382.809,"end":400.164,"text":"那這種偏弱所謂說我們現在央行持續這種偏弱貨幣的一個隱性政策那你一手中央銀行沒有中央銀行沒有我們一手就是說要控制通膨嘛但另外你就放任匯率貶值沒有放任啊所以要記起的作為啊記起的作為"},{"start":406.385,"end":425.175,"text":"也是說建議啦建議總裁會說是不是我們要用力說來放棄也不是放棄整個考量是不是說出口利率的考量跟讓我們匯率適度的升值來抵消我們國際領域漲價的這樣子的壓力我跟委員報告啦"},{"start":425.795,"end":436.885,"text":"就是說在三月以後啊在三月以後啊就是說美元獨強那美元獨強的意思是什麼所有的貨幣都對美元都貶值"},{"start":438.543,"end":464.523,"text":"都對美元貶值那好那如果說所有貨幣都對美元貶值的時候呢中央銀行就是說新台幣呢它在這個貶值的過程當中只要我們中央銀行的新台幣貶值的幅度低於好我們就是說鄰近的國家像韓國跟日本如果說我們它貶值的幅度比我們大的話那表示什麼表示新台幣也是升值啊"},{"start":467.279,"end":486.358,"text":"因為相對的每年獨搶的情況之下因為時間有限 我再請教19日舉行第一季禮監事會將全國自然能的第二戶購入貸款 層數由五成調升到六成"},{"start":487.259,"end":515.627,"text":"那這樣子一個這個維福的放寬信用管制是不是因為央行已經預見了這個房市已經緩和的這個這樣子的情況嗎是這樣子嗎你可以監督回答我想有兩個第一個就是說我們在我們的選擇信用管制到目前我們也有得到一些的成效但是這個成效是不是符合我們我們是不是我們完全滿足"},{"start":516.607,"end":537.019,"text":"不見得啦 這是第一個 就是說我有一定的成效第二個呢 我們最主要的就是說對於第二副那些 它是自住的它是自住的 那你要滿足它的一個需求對於那個自住的話 我想我們跟它限制的太嚴格的話也不必要"},{"start":538.92,"end":562.615,"text":"你在媒體上有回應說這次的放寬就是為了要回應父母幫兒女買房的需求那是強調說是針對自住嘛但是現在房價依然是高掛在那邊那新成一的價格持續在上漲而你選在這個年八季這個凍息的同時來放寬這個信用管制"},{"start":565.117,"end":592.396,"text":"我想這個訊號會不會給我們這些建商或者是投機客來把它解釋成說成是我們央行是變成說支持房價這樣子的一個作為一個政策我們要如何保證這一層的鬆綁不會變成推升房價的一個兇手"},{"start":593.497,"end":597.261,"text":"所以我們也一直在強調我們這一次的鬆綁是一個微調所以我們非常的謹慎"},{"start":608.614,"end":627.545,"text":"我們也不希望就是說廠商那個什麼我們的市場打點謝謝總裁我們就務必說要盯緊市場不要讓政策變成投機客的工具讓我們最終希望讓房價能夠回到這個回歸合理的一個市場基礎沒有錯謝謝總裁謝謝原委員下一位諮詢委員請羅明財委員諮詢"}]}},"supported_relations":[],"relations":[]}