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楊總裁以及財政部的莊部長請央郎 楊總裁 財政部莊部長兩位長官早有關於新青安的部分啦財政部目前履 履把它履到什麼程度這個有沒有開始有一些"},{"start":32.728,"end":60.581,"text":"沒有交房貸的啦什麼之類的有沒有這個一些正常嗎新興安的相關的一個預期的一些狀況我們也去了解基本上它的平均率比全國的住宅貸款的預期繳款的低很多全國的是百分之0.08而新興安的部分是百分之0.01那大家有個人的一些因素我想這個部分我們都持續都在密切的關注"},{"start":61.306,"end":76.461,"text":"你有沒有注意到這些新清安的這些房貸族拿這個貸貸的錢拿去這個股票市場有沒有他必須要買房子他才能夠他才能夠貸新清安啊他才能貸"},{"start":77.162,"end":82.886,"text":"所以他必須是要買房嘛他能不能再把這個房買到二胎貸款可不可以二胎貸的話當然銀行在審核的時候必須他的信用能夠擔保到二胎新秦安可不可以去做二胎的房貸可不可以沒有限制我們沒有做這個"},{"start":100.6,"end":121.289,"text":"沒有做這個沒有做這個部分的限制因為這房地產沒有規定不可以嘛但是委員房地產是他的啊而且他的擔保的保證是要能夠足夠擔保啊他拿去貸進去股市這是我擔心的我現在告訴兩位長官啊我們現在就是拿去房貸不管有沒有歐運啊就進入股市41.7萬的"},{"start":125.891,"end":135.895,"text":"40幾萬戶口影響不可謂不大現在請問總裁啊我們要總共房子幾戶啊總共台灣的房子幾戶啊台灣的房子幾戶是不是 這個我就不曉得應該有數字啊 我知道是全部都800多萬戶吧800多萬戶吧"},{"start":152.419,"end":177.116,"text":"八百多萬戶以過去的印象當中那如果41萬那就是很高的比例喔那個你剛才已經回答了就是央行不會有進一步的信用管制是不是我想呢這個因為我們剛好18號要禮監事會啦禮監事會也會就選擇性信用管制來討論啦"},{"start":180.361,"end":205.124,"text":"還要討論個利率啊外資信貸已經有國外的有些金融機構已經預估說台灣的央行下禮拜會提高利息因為通貨膨脹一直上來然後股市很熱這個希望能夠用"},{"start":206.383,"end":208.495,"text":"加個半碼或者是一碼來"},{"start":215.172,"end":231.064,"text":"這個訊息我們都掌握當中不過有的是說會誠如委員所說的這樣但是有的是說會不動所以這些的情況我想18號就會知道了所以你不願意透露一點點"},{"start":240.051,"end":256.727,"text":"你來這裡也需要透露一下表情 講清楚一下因為委員 我也跟委員報告一下我們10天之內就是說禮監事會禮監事會的10天之內呢每一個委員呢 都是監默期他是一個監默期"},{"start":258.849,"end":265.992,"text":"所以呢很抱歉啦那個委員所以我才會剛剛跟你們報告就是說我們18號的時候呢經過委員的充分討論之後呢他的結果呢一定會在當天馬上更佈不管你沒有在緘默期你都不會講啦就這樣才對啦"},{"start":280.98,"end":299.677,"text":"我請教你 全球的資金 比如說加密貨幣 黃金等等是不是因為都投入股市而暴跌 然後資金都跑去股市股市佔整個的 到底股市投入的比例多高資金多高 我看了一個數字"},{"start":301.613,"end":307.118,"text":"比如說美國股市佔M2 它有這個指標股市的總值佔M2 315%美國日本呢102% 韓國83% 台股183%所以相對的台灣的錢進入股市是不是水位已經相當高了"},{"start":330.126,"end":359.145,"text":"所以這個就是相對的啦如果我們是跟台灣跟如果我們說跟三四年前來比較的話那當然現在目前投入股市的資金是比較多了跟三四年前來比較的話那如果說跟剛剛委員所報告的這樣子的話事實上我們台灣看起來算相較啦這是相較啦你看看美國又那麼高"},{"start":360.066,"end":361.408,"text":"那跟韓國來講的話你剛剛是說他是85嘛但是我跟委員報告"},{"start":379.943,"end":397.749,"text":"韓國是在前幾年的時候 前兩年的時候 它是非常低的是最近才很直線的上來所以呢 委員你也會發現到韓國的股市呢 它的一個修正它的修正呢 它非常劇烈的我再關心一個題目因為台股前天大跌 昨天倡力反彈昨天外匯成交47.46美金"},{"start":410.645,"end":427.75,"text":"我沒有記錄啊你是說那個外匯的市場外匯的市場就是說因為是供需嘛我們的出口商也蠻有錢的你也知道啊我們出口商他的那個什麼他的出口非常少啊那如果說出口商價格好的時候呢出口商會出來好來問你啊"},{"start":430.031,"end":445.818,"text":"6月底 今天是6月10號6月1號到現在外資總共賣了2528億台幣等於80億美金台股這句話 我問你這句話是不是成立台股已經成了外資的提款機這句對不對"},{"start":447.624,"end":471.278,"text":"我想是我們可以這麼說就是說那個外資他對於我們台股他是非常感興趣的為什麼因為我們台股他的dividend他的股率非常豐厚所以他是進進出出只是說現在因為我們的股價比較大比較高所以他的進出的金額他現在是進會出"},{"start":475.902,"end":479.506,"text":"他也會進來也會出去你現在講六月的話呢我跟委員報告他是出去出去多少Net"},{"start":490.598,"end":507.362,"text":"Net的話呢 因為他會有時間的落後那我在想應該至少 至少應該他都有50億啦50億 至少啦那如果說 如果說 委員如果說就外資來講的話呢50億是不高啦"},{"start":510.684,"end":519.91,"text":"聯準會要上台了喔川普要他降息可是美國經濟好啊就業也好啊通膨高他怎麼降呢這出去看不可能降啊你從你專家中的專家來講不可能降嘛對不對我現在講對吧我剛才的描述對吧美國經濟好就業好通膨高他怎麼降息他要升息喔"},{"start":540.319,"end":562.29,"text":"同意嗎市場是也有做這樣的一個Price in就是說有這樣的一個預期也就是說美國的經濟好就是因為美國的經濟好還有現在的美伊戰爭所以導致它這個通膨也是比較高所以它的債券的利率就高我認為主要還是它的經濟好美國的債券30年起破5%了10年起的4.5%"},{"start":570.294,"end":598.606,"text":"那一般來講說我只要七到八八就等於垃圾債券美國美債會不會變垃圾債券沒有 不過我跟委員報告美國的現在的債券是AAAAA離這個BBB-那還差很遠所以你拼命買進美債我們也沒有說拼命買進因為我們的外匯群體都是diversify我們是diversify"},{"start":599.574,"end":627.947,"text":"對啊 但是我覺得問一個人因為最近變化很大 經濟市場很大你給我確定一下過去的數字美債是不是在你的歐益存底還是有八成左右我們隨時再調整八成可以吧有些時候是會超過有些時候是會比較低因為最主要的是跟美元的匯率有關係如果說美元的匯率高它比較強的時候呢它的那個比例就會提高"},{"start":629.608,"end":651.422,"text":"如果說美元是比較弱的時候它的那個比重就會低但是呢除了這個匯率的調整以外我們本身呢我們也會做動態的調整黃金有沒有加一丁到目前還沒有黃金沒有買到目前還沒有買美債就是在八成左右應該可以這麼說了謝謝賴思寶委員"}],"gazette":[{"speaker":"賴委員士葆","start":"2026-06-10T09:33:26.195000+08:00","guessed":false,"end":"2026-06-10T09:33:27.376000+08:00","text":"謝謝主席以及各位先進。","quality":1},{"speaker":"賴委員士葆","start":"2026-06-10T09:33:27.376000+08:00","guessed":false,"end":"2026-06-10T09:33:28.816000+08:00","text":"有請央行楊總裁以及財政部莊部長。","quality":0.933},{"speaker":"主席","start":"2026-06-10T09:33:28.816000+08:00","guessed":false,"end":"2026-06-10T09:33:29.716000+08:00","text":"請央行楊總裁及財政部莊部長。","quality":0.846},{"speaker":"楊總裁金龍","start":"2026-06-10T09:33:29.716000+08:00","guessed":true,"end":"2026-06-10T09:33:30.716000+08:00","text":"賴委員早。","quality":0},{"speaker":"賴委員士葆","start":"2026-06-10T09:33:29.716000+08:00","guessed":false,"end":"2026-06-10T09:33:30.037000+08:00","text":"兩位長官早。","quality":1},{"speaker":"賴委員士葆","start":"2026-06-10T09:33:30.257000+08:00","guessed":false,"end":"2026-06-10T09:33:32.637000+08:00","text":"有關於新青安的部分，財政部目前把它捋到什麼程度？","quality":0.955},{"speaker":"賴委員士葆","start":"2026-06-10T09:33:32.677000+08:00","guessed":false,"end":"2026-06-10T09:33:56.449000+08:00","text":"有沒有開始有一些沒有交房貸等等之類的？","quality":0.889},{"speaker":"賴委員士葆","start":"2026-06-10T09:33:56.589000+08:00","guessed":false,"end":"2026-06-10T09:33:56.869000+08:00","text":"有沒有？","quality":1},{"speaker":"賴委員士葆","start":"2026-06-10T09:33:58.590000+08:00","guessed":false,"end":"2026-06-10T09:34:00.010000+08:00","text":"一切正常嗎？","quality":0.8},{"speaker":"莊部長翠雲","start":"2026-06-10T09:34:00.010000+08:00","guessed":false,"end":"2026-06-10T09:34:22.561000+08:00","text":"針對新青安相關逾期的狀況，我們有去了解，基本上它的平均率比全國住宅貸款的逾期繳款比率低很多，全國的是0.08%，而青安的部分是0.01%，當然有個人的一些因素，這個部分我們都持續在密切關注。","quality":0.841},{"speaker":"賴委員士葆","start":"2026-06-10T09:34:23.306000+08:00","guessed":false,"end":"2026-06-10T09:34:32.435000+08:00","text":"你有沒有注意到有新青安的房貸族把貸到的錢拿去股票市場？","quality":0.846},{"speaker":"莊部長翠雲","start":"2026-06-10T09:34:33.556000+08:00","guessed":false,"end":"2026-06-10T09:34:40.383000+08:00","text":"他必須要買房子才能夠貸新青安，所以他必須要買房，只是買……","quality":0.84},{"speaker":"賴委員士葆","start":"2026-06-10T09:34:40.523000+08:00","guessed":false,"end":"2026-06-10T09:34:41.824000+08:00","text":"他能不能把買到的房再二胎貸款？","quality":0.786},{"speaker":"莊部長翠雲","start":"2026-06-10T09:34:42.184000+08:00","guessed":false,"end":"2026-06-10T09:34:43.205000+08:00","text":"二胎貸的話，當然，銀行在審核的時候，必須他的信用能夠擔保到二胎。","quality":1},{"speaker":"賴委員士葆","start":"2026-06-10T09:34:43.325000+08:00","guessed":false,"end":"2026-06-10T09:34:43.926000+08:00","text":"沒有，我就問你規定，新青安可不可以去做二胎的房貸？","quality":0.591},{"speaker":"莊部長翠雲","start":"2026-06-10T09:34:44.626000+08:00","guessed":false,"end":"2026-06-10T09:35:05.241000+08:00","text":"我們沒有做這部分的限制，因為這個房地產是他的……","quality":0.81},{"speaker":"賴委員士葆","start":"2026-06-10T09:35:05.241000+08:00","guessed":false,"end":"2026-06-10T09:35:06.562000+08:00","text":"沒有規定不可以嘛！","quality":1},{"speaker":"莊部長翠雲","start":"2026-06-10T09:35:07.042000+08:00","guessed":false,"end":"2026-06-10T09:35:12.004000+08:00","text":"但是委員，房地產是他的啊，而且他擔保的保證信用要能夠足夠擔保。","quality":0.929},{"speaker":"賴委員士葆","start":"2026-06-10T09:35:12.364000+08:00","guessed":false,"end":"2026-06-10T09:35:14.765000+08:00","text":"我說他拿去貸款，進去股市，這是我擔心的。","quality":0.824},{"speaker":"賴委員士葆","start":"2026-06-10T09:35:15.166000+08:00","guessed":false,"end":"2026-06-10T09:35:29.352000+08:00","text":"我現在告訴兩位長官，我們現在就是拿房貸，不管有沒有all in，就進入股市的有41.7萬人，四十幾萬戶喔，影響不可謂不大。","quality":0.784},{"speaker":"賴委員士葆","start":"2026-06-10T09:35:30.392000+08:00","guessed":false,"end":"2026-06-10T09:35:33.634000+08:00","text":"我請問總裁，臺灣的房子總共幾戶啊？","quality":0.8},{"speaker":"楊總裁金龍","start":"2026-06-10T09:35:33.774000+08:00","guessed":false,"end":"2026-06-10T09:35:34.214000+08:00","text":"臺灣的房子總共幾戶，是不是？對。","quality":0.769},{"speaker":"楊總裁金龍","start":"2026-06-10T09:35:34.974000+08:00","guessed":false,"end":"2026-06-10T09:35:35.755000+08:00","text":"這個我就不曉得了。","quality":0.875},{"speaker":"賴委員士葆","start":"2026-06-10T09:35:35.835000+08:00","guessed":false,"end":"2026-06-10T09:35:56.581000+08:00","text":"應該有數字啊，我知道的是全部到八百多萬戶吧，應該八百多萬戶？","quality":0.63},{"speaker":"楊總裁金龍","start":"2026-06-10T09:35:56.581000+08:00","guessed":true,"end":"2026-06-10T09:35:57.581000+08:00","text":"八百多戶？","quality":0},{"speaker":"賴委員士葆","start":"2026-06-10T09:35:56.761000+08:00","guessed":false,"end":"2026-06-10T09:36:01.304000+08:00","text":"八百多萬戶，我過去的印象當中啦，如果41萬，那就是很高的比例。","quality":0.72},{"speaker":"賴委員士葆","start":"2026-06-10T09:36:02.745000+08:00","guessed":false,"end":"2026-06-10T09:36:06.848000+08:00","text":"你剛才已經回答了，就是央行不會有進一步的信用管制，是不是？","quality":1},{"speaker":"楊總裁金龍","start":"2026-06-10T09:36:10.470000+08:00","guessed":false,"end":"2026-06-10T09:36:19.096000+08:00","text":"我們剛好18號要開理監事會，理監事會也會就選擇性信用管制討論。","quality":0.889},{"speaker":"賴委員士葆","start":"2026-06-10T09:36:22.361000+08:00","guessed":false,"end":"2026-06-10T09:36:31.650000+08:00","text":"還要討論利率，外界現在已經有國外的……是！","quality":0.765},{"speaker":"楊總裁金龍","start":"2026-06-10T09:36:31.650000+08:00","guessed":true,"end":"2026-06-10T09:36:32.650000+08:00","text":"貨幣政策，理監事會就是會討論這些事情。","quality":0},{"speaker":"賴委員士葆","start":"2026-06-10T09:36:31.850000+08:00","guessed":false,"end":"2026-06-10T09:36:50.495000+08:00","text":"對，國外有些金融機構預估臺灣的央行下禮拜會提高利息，因為通貨膨脹一直上來，然後股市很熱，希望能夠用加個半碼或者是一碼來因應。","quality":0.912},{"speaker":"賴委員士葆","start":"2026-06-10T09:36:50.495000+08:00","guessed":true,"end":"2026-06-10T09:36:57.172000+08:00","text":"有沒有這個情況？","quality":0},{"speaker":"楊總裁金龍","start":"2026-06-10T09:36:57.172000+08:00","guessed":false,"end":"2026-06-10T09:36:58.993000+08:00","text":"這個訊息，我們都有掌握當中。有嗎？","quality":0.786},{"speaker":"賴委員士葆","start":"2026-06-10T09:36:58.993000+08:00","guessed":true,"end":"2026-06-10T09:37:01.555000+08:00","text":"國外的人講的。","quality":0},{"speaker":"楊總裁金龍","start":"2026-06-10T09:37:01.555000+08:00","guessed":false,"end":"2026-06-10T09:37:11.402000+08:00","text":"有的是誠如委員所說的這樣，但是有的是說不動啦，所以這些情況我想18號就會知道了。","quality":0.971},{"speaker":"賴委員士葆","start":"2026-06-10T09:37:12.343000+08:00","guessed":false,"end":"2026-06-10T09:37:25.514000+08:00","text":"所以你不願意透露一點點，你來這裡還是要透露一下，表情展現一下。","quality":0.857},{"speaker":"楊總裁金龍","start":"2026-06-10T09:37:26.716000+08:00","guessed":false,"end":"2026-06-10T09:37:37.886000+08:00","text":"我也跟委員報告一下，在理監事會開會日的十天之內，每一個委員都是緘默期。","quality":0.656},{"speaker":"賴委員士葆","start":"2026-06-10T09:37:37.886000+08:00","guessed":true,"end":"2026-06-10T09:37:38.886000+08:00","text":"我知道，冷凍期間不可以講話。","quality":0},{"speaker":"楊總裁金龍","start":"2026-06-10T09:37:38.167000+08:00","guessed":false,"end":"2026-06-10T09:37:41.830000+08:00","text":"它是一個緘默期，所以很抱歉啦！","quality":0.846},{"speaker":"楊總裁金龍","start":"2026-06-10T09:37:42.490000+08:00","guessed":false,"end":"2026-06-10T09:37:46.692000+08:00","text":"委員，所以我剛剛才會跟委員報告，我們18號的時候，經過委員充分討論之後，結果一定在當天就會馬上公布。","quality":0.814},{"speaker":"賴委員士葆","start":"2026-06-10T09:37:46.892000+08:00","guessed":false,"end":"2026-06-10T09:37:47.972000+08:00","text":"知道啦，我補一句，不管有沒有在緘默期，你都不會講啦，這樣才對啦！","quality":0.704},{"speaker":"賴委員士葆","start":"2026-06-10T09:37:47.972000+08:00","guessed":true,"end":"2026-06-10T09:38:02.980000+08:00","text":"基本上你不會講。","quality":0},{"speaker":"賴委員士葆","start":"2026-06-10T09:38:02.980000+08:00","guessed":false,"end":"2026-06-10T09:38:13.229000+08:00","text":"來，我請教你，全球的資金，比如說加密貨幣、黃金等等，是不是因為轉投入股市而暴跌，資金都跑去股市？","quality":0.951},{"speaker":"賴委員士葆","start":"2026-06-10T09:38:14.230000+08:00","guessed":false,"end":"2026-06-10T09:38:19.255000+08:00","text":"到底資金投入股市的比例多高？","quality":0.538},{"speaker":"賴委員士葆","start":"2026-06-10T09:38:20.376000+08:00","guessed":false,"end":"2026-06-10T09:38:20.836000+08:00","text":"資金多高？","quality":1},{"speaker":"賴委員士葆","start":"2026-06-10T09:38:21.116000+08:00","guessed":false,"end":"2026-06-10T09:38:29.098000+08:00","text":"我看到一個數字，比如美國股市占M2的比率，有這個指標，以各國股市總市值占M2的比率，美國315%、日本102%、韓國83%、臺股183%，所以相對臺灣的錢進入股市，是不是水位已經相當高了？","quality":0.775},{"speaker":"楊總裁金龍","start":"2026-06-10T09:38:52.126000+08:00","guessed":false,"end":"2026-06-10T09:39:21.125000+08:00","text":"所以這個就是相對的，如果我們跟臺灣三、四年前比較的話，當然目前投入股市的資金是比較多了，如果以剛剛委員所提到的數字，事實上，我們臺灣看起來……這是相較的情形，你看看美國又那麼高。","quality":0.899},{"speaker":"賴委員士葆","start":"2026-06-10T09:39:21.125000+08:00","guessed":true,"end":"2026-06-10T09:39:22.125000+08:00","text":"美國315%，跟美國比我們不高啊！","quality":0},{"speaker":"楊總裁金龍","start":"2026-06-10T09:39:22.125000+08:00","guessed":true,"end":"2026-06-10T09:39:23.125000+08:00","text":"是啊，美國那麼多，臺灣百分之一百八十幾，還差個一半而已啊！","quality":0.04},{"speaker":"賴委員士葆","start":"2026-06-10T09:39:23.125000+08:00","guessed":true,"end":"2026-06-10T09:39:24.125000+08:00","text":"跟日本、韓國比，我們就相對高啦！","quality":0.231},{"speaker":"楊總裁金龍","start":"2026-06-10T09:39:22.166000+08:00","guessed":false,"end":"2026-06-10T09:39:22.286000+08:00","text":"相較韓國的話，你剛剛說它是85%。","quality":0.462},{"speaker":"賴委員士葆","start":"2026-06-10T09:39:22.346000+08:00","guessed":false,"end":"2026-06-10T09:39:22.346000+08:00","text":"它是83%。","quality":0.333},{"speaker":"楊總裁金龍","start":"2026-06-10T09:39:22.547000+08:00","guessed":false,"end":"2026-06-10T09:39:57.108000+08:00","text":"但是我跟委員報告，韓國在前兩年的時候是非常低的，最近才很直線的上來，所以委員，你也會發現到韓國股市的修正非常劇烈，一下子上漲的幅度非常大。","quality":0.841},{"speaker":"賴委員士葆","start":"2026-06-10T09:39:57.688000+08:00","guessed":false,"end":"2026-06-10T09:40:13.125000+08:00","text":"我再關心一個題目，臺股前天大跌，昨天強力反彈，昨天外匯成交47.46億美金，央行有沒有介入？","quality":0.811},{"speaker":"楊總裁金龍","start":"2026-06-10T09:40:14.406000+08:00","guessed":false,"end":"2026-06-10T09:40:15.246000+08:00","text":"你是說……","quality":1},{"speaker":"賴委員士葆","start":"2026-06-10T09:40:15.866000+08:00","guessed":false,"end":"2026-06-10T09:40:17.127000+08:00","text":"外匯的市場。","quality":1},{"speaker":"楊總裁金龍","start":"2026-06-10T09:40:17.127000+08:00","guessed":false,"end":"2026-06-10T09:40:29.690000+08:00","text":"外匯市場，因為是供需，我們的出口商也蠻有錢的，你也知道，我們出口商結售（美元）非常少，如果價格好的時候，出口商會出來。","quality":0.92},{"speaker":"賴委員士葆","start":"2026-06-10T09:40:29.710000+08:00","guessed":false,"end":"2026-06-10T09:40:40.755000+08:00","text":"我問你哦，今天是6月10號，6月1號到現在外資總共賣了2,528億臺幣，等於80億美金。是。","quality":0.867},{"speaker":"賴委員士葆","start":"2026-06-10T09:40:43.096000+08:00","guessed":false,"end":"2026-06-10T09:40:47.818000+08:00","text":"我問你這句話是不是成立，「臺股已經成了外資的提款機」這句對不對？","quality":1},{"speaker":"楊總裁金龍","start":"2026-06-10T09:40:49.624000+08:00","guessed":false,"end":"2026-06-10T09:40:53.866000+08:00","text":"我想我們可以這麼說啦，就是說……","quality":0.923},{"speaker":"賴委員士葆","start":"2026-06-10T09:40:53.866000+08:00","guessed":true,"end":"2026-06-10T09:40:55.607000+08:00","text":"這麼說喔！","quality":0},{"speaker":"楊總裁金龍","start":"2026-06-10T09:40:55.607000+08:00","guessed":false,"end":"2026-06-10T09:41:00.630000+08:00","text":"外資對我們臺股是非常感興趣的，為什麼？","quality":1},{"speaker":"楊總裁金龍","start":"2026-06-10T09:41:00.630000+08:00","guessed":false,"end":"2026-06-10T09:41:12.838000+08:00","text":"因為我們臺股的dividend（股利）非常豐厚，所以他是進進出出，只是因為我們現在的股價比較大、比較高，所以他進出的金額會很大。","quality":0.895},{"speaker":"賴委員士葆","start":"2026-06-10T09:41:12.838000+08:00","guessed":true,"end":"2026-06-10T09:41:18.122000+08:00","text":"到現在為止，是淨匯入還是淨滙出？","quality":0.286},{"speaker":"楊總裁金龍","start":"2026-06-10T09:41:18.122000+08:00","guessed":false,"end":"2026-06-10T09:41:18.622000+08:00","text":"它會進來，也會出去。","quality":0.875},{"speaker":"賴委員士葆","start":"2026-06-10T09:41:18.622000+08:00","guessed":true,"end":"2026-06-10T09:41:19.622000+08:00","text":"好，現在net是出去還是進來？","quality":0},{"speaker":"楊總裁金龍","start":"2026-06-10T09:41:18.783000+08:00","guessed":false,"end":"2026-06-10T09:41:19.724000+08:00","text":"你現在講6月的話呢？6月。","quality":0.889},{"speaker":"楊總裁金龍","start":"2026-06-10T09:41:19.964000+08:00","guessed":false,"end":"2026-06-10T09:41:20.785000+08:00","text":"跟委員報告，它是出去。","quality":0.889},{"speaker":"賴委員士葆","start":"2026-06-10T09:41:20.805000+08:00","guessed":false,"end":"2026-06-10T09:41:21.265000+08:00","text":"net出去多少？","quality":0.571},{"speaker":"楊總裁金龍","start":"2026-06-10T09:41:32.898000+08:00","guessed":false,"end":"2026-06-10T09:41:40.400000+08:00","text":"net的話，因為它會有時間的落後，我想應該至少都有50億。","quality":0.917},{"speaker":"賴委員士葆","start":"2026-06-10T09:41:41.640000+08:00","guessed":false,"end":"2026-06-10T09:41:41.640000+08:00","text":"50億美金。","quality":0.333},{"speaker":"楊總裁金龍","start":"2026-06-10T09:41:41.640000+08:00","guessed":false,"end":"2026-06-10T09:41:42.020000+08:00","text":"至少啦！","quality":1},{"speaker":"楊總裁金龍","start":"2026-06-10T09:41:46.202000+08:00","guessed":false,"end":"2026-06-10T09:41:49.342000+08:00","text":"委員，如果就外資來講的話，50億是不高啦！好。","quality":0.941},{"speaker":"賴委員士葆","start":"2026-06-10T09:41:52.684000+08:00","guessed":false,"end":"2026-06-10T09:41:56.906000+08:00","text":"聯準會Warsh要上臺了，川普要他降息，可是美國經濟好、就業也好、通膨高，他怎麼降呢？","quality":0.865},{"speaker":"賴委員士葆","start":"2026-06-10T09:41:57.607000+08:00","guessed":false,"end":"2026-06-10T09:41:58.107000+08:00","text":"從這樣看，就不可能降，對吧？","quality":0.545},{"speaker":"賴委員士葆","start":"2026-06-10T09:41:58.247000+08:00","guessed":false,"end":"2026-06-10T09:41:59.848000+08:00","text":"從你專家中的專家來講，不可能降嘛，對不對？","quality":1},{"speaker":"賴委員士葆","start":"2026-06-10T09:41:59.848000+08:00","guessed":false,"end":"2026-06-10T09:42:00.189000+08:00","text":"我這樣講對吧？","quality":0.667},{"speaker":"賴委員士葆","start":"2026-06-10T09:42:00.289000+08:00","guessed":false,"end":"2026-06-10T09:42:00.629000+08:00","text":"我剛才的描述，對吧？","quality":1},{"speaker":"賴委員士葆","start":"2026-06-10T09:42:01.069000+08:00","guessed":false,"end":"2026-06-10T09:42:01.349000+08:00","text":"美國經濟好、就業好、通膨高，他怎麼降息？對。","quality":0.941},{"speaker":"賴委員士葆","start":"2026-06-10T09:42:01.449000+08:00","guessed":false,"end":"2026-06-10T09:42:22.459000+08:00","text":"他要升息喔，同意吧？嗯！","quality":0.778},{"speaker":"賴委員士葆","start":"2026-06-10T09:42:22.459000+08:00","guessed":true,"end":"2026-06-10T09:42:24.240000+08:00","text":"你說「嗯」是同意嗎？","quality":0.143},{"speaker":"楊總裁金龍","start":"2026-06-10T09:42:24.240000+08:00","guessed":false,"end":"2026-06-10T09:42:43.610000+08:00","text":"市場也有做這樣的price in，所以說有這樣的一個預期，也就是說因為美國的經濟好，還有現在的美伊戰爭，導致它的通膨也是比較高，所以它債券的利率就高，我認為主要還是它的經濟好。","quality":0.95},{"speaker":"賴委員士葆","start":"2026-06-10T09:42:43.630000+08:00","guessed":false,"end":"2026-06-10T09:42:58.917000+08:00","text":"美國的債券30年期破5%、10年期4.5%，一般來講，只要7到8%就等於垃圾債券，美債會不會變垃圾債券？","quality":0.921},{"speaker":"楊總裁金龍","start":"2026-06-10T09:42:59.317000+08:00","guessed":false,"end":"2026-06-10T09:43:06.800000+08:00","text":"沒有，不過我跟委員報告，美國現在的債信是AA。AA？","quality":0.955},{"speaker":"楊總裁金龍","start":"2026-06-10T09:43:08.581000+08:00","guessed":false,"end":"2026-06-10T09:43:11.522000+08:00","text":"AA離BBB-還差很遠。","quality":0.9},{"speaker":"賴委員士葆","start":"2026-06-10T09:43:11.522000+08:00","guessed":false,"end":"2026-06-10T09:43:13.603000+08:00","text":"所以你拼命買進美債？","quality":1},{"speaker":"楊總裁金龍","start":"2026-06-10T09:43:13.603000+08:00","guessed":false,"end":"2026-06-10T09:43:16.344000+08:00","text":"我們也沒有拼命買進，因為我們的……","quality":1},{"speaker":"賴委員士葆","start":"2026-06-10T09:43:16.344000+08:00","guessed":true,"end":"2026-06-10T09:43:17.424000+08:00","text":"你按照過去……","quality":0},{"speaker":"楊總裁金龍","start":"2026-06-10T09:43:17.424000+08:00","guessed":false,"end":"2026-06-10T09:43:20.566000+08:00","text":"我們的外匯存底都是diversified，我們是diversified。","quality":0.676},{"speaker":"賴委員士葆","start":"2026-06-10T09:43:21.574000+08:00","guessed":false,"end":"2026-06-10T09:43:31.779000+08:00","text":"對，我就再問一個，因為最近變化很大，你跟我確定一下過去的數字，美債占你的外匯存底是不是還是有八成左右？","quality":0.783},{"speaker":"楊總裁金龍","start":"2026-06-10T09:43:32.999000+08:00","guessed":false,"end":"2026-06-10T09:43:34.140000+08:00","text":"我們隨時在調整。","quality":0.857},{"speaker":"賴委員士葆","start":"2026-06-10T09:43:34.760000+08:00","guessed":false,"end":"2026-06-10T09:43:35.060000+08:00","text":"八成應該有吧？","quality":0.5},{"speaker":"楊總裁金龍","start":"2026-06-10T09:43:35.300000+08:00","guessed":false,"end":"2026-06-10T09:43:49.927000+08:00","text":"有些時候會超過，有些時候會比較低，因為最主要是跟美元的匯率有關係，如果美元的匯率高、比較強的時候，它的比例就會提高……","quality":1},{"speaker":"賴委員士葆","start":"2026-06-10T09:43:49.927000+08:00","guessed":true,"end":"2026-06-10T09:43:51.608000+08:00","text":"所以平均值……","quality":0},{"speaker":"楊總裁金龍","start":"2026-06-10T09:43:51.608000+08:00","guessed":false,"end":"2026-06-10T09:43:57.712000+08:00","text":"如果說美元是比較弱的時候，它的比重就會低。","quality":1},{"speaker":"賴委員士葆","start":"2026-06-10T09:43:57.712000+08:00","guessed":true,"end":"2026-06-10T09:43:58.712000+08:00","text":"對啦，你會調整每天都會不一樣。","quality":0},{"speaker":"楊總裁金龍","start":"2026-06-10T09:43:58.712000+08:00","guessed":true,"end":"2026-06-10T09:43:59.712000+08:00","text":"大概是這樣子。","quality":0},{"speaker":"賴委員士葆","start":"2026-06-10T09:43:59.712000+08:00","guessed":true,"end":"2026-06-10T09:44:00.712000+08:00","text":"所以平均八成，這句話沒有錯吧？","quality":0},{"speaker":"楊總裁金龍","start":"2026-06-10T09:43:58.152000+08:00","guessed":false,"end":"2026-06-10T09:44:03.556000+08:00","text":"但是除了這個匯率的調整以外，我們本身也會動態的調整。","quality":1},{"speaker":"賴委員士葆","start":"2026-06-10T09:44:04.737000+08:00","guessed":false,"end":"2026-06-10T09:44:05.317000+08:00","text":"黃金有沒有加一點？","quality":0.875},{"speaker":"楊總裁金龍","start":"2026-06-10T09:44:06.458000+08:00","guessed":false,"end":"2026-06-10T09:44:07.218000+08:00","text":"到目前還沒有。","quality":1},{"speaker":"賴委員士葆","start":"2026-06-10T09:44:08.019000+08:00","guessed":false,"end":"2026-06-10T09:44:09.400000+08:00","text":"黃金沒有買？","quality":1},{"speaker":"楊總裁金龍","start":"2026-06-10T09:44:09.400000+08:00","guessed":false,"end":"2026-06-10T09:44:10.581000+08:00","text":"對，到目前還沒有買。","quality":0.875},{"speaker":"賴委員士葆","start":"2026-06-10T09:44:10.581000+08:00","guessed":false,"end":"2026-06-10T09:44:11.921000+08:00","text":"所以美債就是占八成左右？","quality":0.727},{"speaker":"楊總裁金龍","start":"2026-06-10T09:44:12.122000+08:00","guessed":false,"end":"2026-06-10T09:44:12.662000+08:00","text":"應該可以這麼說啦！","quality":0.875},{"speaker":"主席","start":"2026-06-10T09:44:12.882000+08:00","guessed":false,"end":"2026-06-10T09:44:13.422000+08:00","text":"謝謝賴士葆委員，感謝。","quality":0.556},{"speaker":"主席","start":"2026-06-10T09:44:13.922000+08:00","guessed":true,"end":"2026-06-10T09:44:17.350571+08:00","text":"下一位質詢委員郭國文委員。","quality":0}]}},"supported_relations":[],"relations":[]}