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,{"speaker":"SPEAKER_00","speaker_name":"楊總裁金龍","start":641.36534375,"end":645.01034375,"speaker_score":0.978},{"speaker":"SPEAKER_01","speaker_name":"林委員德福","start":643.50846875,"end":694.0322187500001,"speaker_score":0.948},{"speaker":"SPEAKER_00","speaker_name":"楊總裁金龍","start":694.0322187500001,"end":694.2009687500001,"speaker_score":0.978},{"speaker":"SPEAKER_01","speaker_name":"林委員德福","start":694.2009687500001,"end":694.3022187500001,"speaker_score":0.948},{"speaker":"SPEAKER_00","speaker_name":"楊總裁金龍","start":694.3022187500001,"end":694.36971875,"speaker_score":0.978},{"speaker":"SPEAKER_01","speaker_name":"林委員德福","start":694.36971875,"end":694.4709687500001,"speaker_score":0.948},{"speaker":"SPEAKER_00","speaker_name":"楊總裁金龍","start":694.4709687500001,"end":694.79159375,"speaker_score":0.978},{"speaker":"SPEAKER_01","speaker_name":"林委員德福","start":694.79159375,"end":694.84221875,"speaker_score":0.948},{"speaker":"SPEAKER_00","speaker_name":"楊總裁金龍","start":694.84221875,"end":694.99409375,"speaker_score":0.978},{"speaker":"SPEAKER_01","speaker_name":"林委員德福","start":694.99409375,"end":695.0109687500001,"speaker_score":0.948},{"speaker":"SPEAKER_00","speaker_name":"楊總裁金龍","start":695.0109687500001,"end":722.65221875,"speaker_score":0.978},{"speaker":"SPEAKER_01","speaker_name":"林委員德福","start":712.4428437500001,"end":712.7634687500001,"speaker_score":0.948},{"speaker":"SPEAKER_01","speaker_name":"林委員德福","start":721.6397187500002,"end":722.0447187500001,"speaker_score":0.948},{"speaker":"SPEAKER_00","speaker_name":"楊總裁金龍","start":722.7197187500001,"end":725.6897187500001,"speaker_score":0.978}],"whisperx":[{"start":11.056,"end":13.902,"text":"謝謝 謝謝主席楊總裁是不是請楊總裁請楊總裁"},{"start":23.27,"end":40.991,"text":"林委員早總裁你好我請教因為根據媒體的報導央行今年以來定期的存單未到期的餘款明顯下降市場資金獲得易注上半年釋放資金活水超過一兆元"},{"start":43.981,"end":62.37,"text":"這個台股的行情吸引了大批資金進場民眾包括世代同堂的情況央行報告有提到將密切來關注股市融資槓桿這個變化以及銀行資金流入股市的情形那我請問楊總裁"},{"start":63.931,"end":76.082,"text":"如何與金管會合作順利引導央行釋出的資金鼓勵銀行將資金投放到非股市的交易需求有沒有想法"},{"start":76.941,"end":95.881,"text":"是委員的這個問題非常好給我這個機會來稍微澄清一下就是說在我們的理事會六月份的理事會我們的基調就是說要稍微偏緊的方向來走"},{"start":96.542,"end":123.929,"text":"那如果說我們從今年初又放出一兆多的資金出來的話那真的很顯然的跟我們所說的就有一點就不一樣了背道而馳那就有出入了事實上是應該是這麼說就是說從今年初以來因為我們的稅收很好所以呢有很多的資金"},{"start":125.534,"end":138.434,"text":"據我了解可能是五六千億有可能喔就是被財政部的那個稅收因為他有一個帳戶在中央銀行的帳戶就被鎖在那邊了他沒有放出去"},{"start":139.378,"end":152.646,"text":"另外我們在最近才公佈我們最近才公佈我們中央銀行在第一季的時候我們賣匯了125億賣匯125億也是相當於把資金收回來這樣加起來大概就是我們存單減少的"},{"start":164.573,"end":176.182,"text":"所以呢我就說我非常謝謝委員給我這個機會來說明說事實上呢我們在六月的時候理事會的時候我們就說我們會比較偏緊"},{"start":178.083,"end":199.428,"text":"那怎麼我們又會說我們又釋出了一兆多的資金出去那是因為被鎖住了以後市場的資金就稍微緊了所以銀行他就沒有錢再來就是說要來申請我們的存單所以存單才會這樣一路剪下來你認為那個"},{"start":204.338,"end":232.304,"text":"那個總裁啊 是最近會不會約銀行來喝個咖啡來闡述一些認為說需要怎麼來配合的我想我們是密切注意啦那這個因為我們的房市呢都已經就是說已經是在一定的情況之下所以現在不會說動不動就請他們來也不大好意思"},{"start":233.244,"end":252.46,"text":"這個因為浪費他的時間那第二個呢股市到目前為止呢我認為呢我們還是密切的注意他特別是股市的這個部分呢是金管會是主管機關是應該是由他來來主導來主導的那我們事實上呢中央銀行呢也會密切的注意他好"},{"start":253.14,"end":277.521,"text":"那個總裁因為外資持續的賣超台股啦加大新台幣貶值的壓力那新台幣近日貶破32元的大關創三個月的新低點新低價那我請問央行外資領完股利後是我會繼續投入台灣的股市還是獲利了結將大部分的資金移往美國"},{"start":280.022,"end":296.547,"text":"就以前的經驗來看他偶爾也會把他的股利留在這邊偶爾的時候他也會把他的股利匯出去所以要看他自己本身的投資策略是怎麼樣"},{"start":299.338,"end":313.216,"text":"總裁你認為柳樹理論還是央行調節匯率的態度嗎是當然匯率一定是要讓他波動的但是央行也不是說讓他上下波動的幅度太大"},{"start":313.997,"end":327.457,"text":"我們也要讓它就是說有事的那個波動弧度是不大的除非是颱風那所以呢也就是說是讓它是在穩定的狀況之下呢有一些的變化"},{"start":329.591,"end":351.26,"text":"總裁金管會預計2027年推動美元計價鼓勵政策若台積電率先導入美元的配息就央行的角度來看美元計價的鼓勵政策是否有助於減少新台幣短期的匯率大幅度的波動"},{"start":352.721,"end":365.39,"text":"我想應該是會有幫忙啦有幫忙因為就是說就廠商來講就外資來講的話台積電譬如說像台積電他發放新台幣給他那他發放新台幣的時候他是要先賣匯"},{"start":373.696,"end":378.12,"text":"然後外資領到新台幣他又要買匯所以賣匯跟買匯的這個中間就會稍微有一點麻煩那這樣的話可能也會影響到匯率剛好如果說匯率如果說是我們要穩定的他又一直在賣匯或是他一直在買匯"},{"start":396.914,"end":408.911,"text":"多多少少也會影響到匯率的波動那個總裁因為足跡總數近日發布六月消費者物價指數年增率擴大至2.6%連續兩個月破2%的通膨警戒線"},{"start":415.339,"end":437.077,"text":"並創17個月以來的新高顯示物價壓力持續的升溫那台股龍井呈現K型化但多數人是沒有趕的民眾最明顯趕到物價上漲的地方就是來自日常飲食的便當小吃等等那對於央行"},{"start":437.937,"end":466.048,"text":"預估今年下半年通膨將逐漸降溫全年CPI年增率可望控制在2%以下本息沒有我是認為沒有這麼的樂觀面對極端的天候還有群流感可能影響農產品供給包括中年的問題油會影響整個畜牧飼料價格上漲這些因素都可能會推升整個物價"},{"start":466.988,"end":472.869,"text":"那個總裁你有什麼看法對 事實上對於低所得的階層來看事實上是他們也會有一些感覺不過整體來看的話不管就是說我們國內的機構或是國外的著名的機構對我們台灣的通膨的預測他們還是覺得我們應該是還是算是溫和的"},{"start":494.333,"end":498.115,"text":"除了就是說我們本身是控制在2%以下還有相較其他的主要的國家來講的話我們台灣的通膨能還算是溫和委員在講的這個部分我覺得也有道理不過我也跟委員報告中央銀行還是可以密切的來關注它反正我們還有時間我們還有時間來觀察它"},{"start":519.646,"end":536.481,"text":"這是第一點 第二點呢我們來看看我們油價現在最近這一兩天油價雖然是已經又因為美伊的不確定性在上升下來不過呢從我們的報告我們可以看到就是說那這個油價是跟是已經下降到"},{"start":537.562,"end":559.818,"text":"在美伊戰爭之前的水準所以應該會比較樂觀的油價如果下來的話輸入性通膨就會比較緩解另外為了製作生肖套幣央行每年都有固定的購買這些白銀的需求去年受到白銀價格大漲"},{"start":561.779,"end":582.044,"text":"馬聯套幣一套要2450元那2026年初白銀的價格來到120美元左右那如今回落到每盎司58到62美元區間有專家預估白銀年底可能會往上升每盎司可能到80"},{"start":583.724,"end":603.177,"text":"那2027年進一步挑戰110到130元左右那既然每年都要購買白銀的需求本席是希望說央行在適時的時候來評估購入價格相對較低的白銀讓每年生效套幣價格能夠穩定維持減輕整個民眾購買的負擔總裁你認為呢"},{"start":608.22,"end":613.506,"text":"喔好 我想委員的這個建議很好啦對啊你價格低的時候過去來啊我們以前我們大部分都是整批啦那如果說像委員這樣來建議的話我們還用分批的方式對啊你年度裡面你認為都是在"},{"start":625.898,"end":643.997,"text":"某個價錢是最高某個價錢最低最低的時候買進來你才可以很穩定的每年花個套幣一套多少錢不然的話像今年你到最後買的價格那麼高當然你張本求利你本身就是要那麼高你才划算嘛這個建議很好那最後一個 北溪"},{"start":646.099,"end":661.395,"text":"昨天有問財政部討論新清案2.0案何時對外公布莊部長表示因為外界持續有不同的意見來財政部目前正在檢視但一定會在7月底以前兩週內公布為了改善少子化的問題財政部"},{"start":662.816,"end":691.957,"text":"除了提出相關減稅方案外傳在新青康2.0方案中準備針對婚育的家庭推出加碼政策將貸款額度上限從一千萬調到一千五百萬新青康2.0政策傳言不斷方案似乎還有新的變動那我請問央行是否贊成改善這個少子化問題在未來的新青康2.0政策中有條件給予"},{"start":692.617,"end":698.419,"text":"婚育家庭不同的貸款額度是 我想就是說新興安這個我們也有提供意見啦但是基本上我總覺得這個新興安財政部是主管機關另一個很重要的參與者也是內政部所以也就是說內政部的意見也蠻重要的所以我想基本上我們還是尊重財政部跟內政部的意見"},{"start":722.83,"end":724.94,"text":"好谢谢我们结束林德福委员的质询"}],"gazette":[{"speaker":"林委員德福","start":"2026-07-09T09:05:55.056000+08:00","guessed":false,"end":"2026-07-09T09:05:57.862000+08:00","text":"謝謝主席，是不是請楊總裁？","quality":1},{"speaker":"主席","start":"2026-07-09T09:05:57.882000+08:00","guessed":false,"end":"2026-07-09T09:05:57.882000+08:00","text":"請楊總裁。","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T09:06:07.270000+08:00","guessed":false,"end":"2026-07-09T09:06:07.731000+08:00","text":"林委員早。","quality":1},{"speaker":"林委員德福","start":"2026-07-09T09:06:07.971000+08:00","guessed":false,"end":"2026-07-09T09:06:08.272000+08:00","text":"總裁你好。","quality":1},{"speaker":"林委員德福","start":"2026-07-09T09:06:09.793000+08:00","guessed":false,"end":"2026-07-09T09:06:24.971000+08:00","text":"根據媒體報導，央行今年以來的定期存單未到期的餘款明顯下降，市場資金獲得挹注，上半年釋放資金活水超過1兆元。","quality":0.958},{"speaker":"林委員德福","start":"2026-07-09T09:06:27.981000+08:00","guessed":false,"end":"2026-07-09T09:06:35.225000+08:00","text":"臺股行情吸引大批資金進場，民眾出現包括四貸同堂的情況。","quality":0.84},{"speaker":"林委員德福","start":"2026-07-09T09:06:35.225000+08:00","guessed":false,"end":"2026-07-09T09:06:45.050000+08:00","text":"央行報告提到將密切關注股市、融資槓杆變化以及銀行資金流入股市的情形。","quality":0.969},{"speaker":"林委員德福","start":"2026-07-09T09:06:46.070000+08:00","guessed":false,"end":"2026-07-09T09:06:58.300000+08:00","text":"我請問楊總裁要如何與金管會合作，順利引導央行釋出的資金，鼓勵銀行將資金投放到非股市的交易需求上？","quality":0.956},{"speaker":"林委員德福","start":"2026-07-09T09:06:59.561000+08:00","guessed":false,"end":"2026-07-09T09:07:00.062000+08:00","text":"你有沒有想法？","quality":0.833},{"speaker":"楊總裁金龍","start":"2026-07-09T09:07:01.542000+08:00","guessed":false,"end":"2026-07-09T09:07:08.089000+08:00","text":"委員的這個問題非常好，也給我這個機會稍微澄清一下。","quality":0.957},{"speaker":"林委員德福","start":"2026-07-09T09:07:08.089000+08:00","guessed":true,"end":"2026-07-09T09:07:10.592000+08:00","text":"對，闡述一下，讓大家了解。","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T09:07:10.592000+08:00","guessed":false,"end":"2026-07-09T09:07:34.325000+08:00","text":"在我們6月的理事會，我們的基調就是要稍微往偏緊的方向走，如果我們從今年初又放出一兆多資金出來的話，這很顯然就跟我們所說的有一點不一樣了。","quality":0.952},{"speaker":"林委員德福","start":"2026-07-09T09:07:34.585000+08:00","guessed":false,"end":"2026-07-09T09:07:35.566000+08:00","text":"對，背道而馳。","quality":0.8},{"speaker":"楊總裁金龍","start":"2026-07-09T09:07:35.566000+08:00","guessed":false,"end":"2026-07-09T09:07:36.406000+08:00","text":"那就有出入了。","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T09:07:36.906000+08:00","guessed":false,"end":"2026-07-09T09:08:02.414000+08:00","text":"事實上應該要這麼說，從今年初以來，因為我們的稅收很好，所以據我了解，有很多的資金，可能有五、六千億都被財政部的稅收……因為它有一個在中央銀行的帳戶，就被鎖在那邊了，它沒有放出去。","quality":0.885},{"speaker":"楊總裁金龍","start":"2026-07-09T09:08:03.378000+08:00","guessed":false,"end":"2026-07-09T09:08:16.626000+08:00","text":"另外，我們最近才公布中央銀行在第一季的時候賣匯125億，賣匯125億也就相當於把資金收回來，這樣加起來大概就是存單減少的金額。","quality":0.925},{"speaker":"林委員德福","start":"2026-07-09T09:08:16.626000+08:00","guessed":true,"end":"2026-07-09T09:08:28.573000+08:00","text":"的額度？","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T09:08:28.573000+08:00","guessed":false,"end":"2026-07-09T09:08:34.378000+08:00","text":"對，所以我就說我非常謝謝委員給我這個機會說明。","quality":0.952},{"speaker":"楊總裁金龍","start":"2026-07-09T09:08:34.958000+08:00","guessed":false,"end":"2026-07-09T09:08:46.344000+08:00","text":"事實上我們在6月開理事會的時候就說我們會比較偏緊，那怎麼又會說要釋出一兆多的資金出去？","quality":0.95},{"speaker":"楊總裁金龍","start":"2026-07-09T09:08:46.864000+08:00","guessed":false,"end":"2026-07-09T09:09:03.248000+08:00","text":"那是因為被鎖住以後市場的資金就稍微緊了，銀行就沒有錢再來申請我們的存單，所以存單才會這樣一路減下來。","quality":0.979},{"speaker":"林委員德福","start":"2026-07-09T09:09:03.248000+08:00","guessed":true,"end":"2026-07-09T09:09:08.738000+08:00","text":"才會遞減是不是？","quality":0},{"speaker":"林委員德福","start":"2026-07-09T09:09:08.738000+08:00","guessed":false,"end":"2026-07-09T09:09:18.460000+08:00","text":"總裁，最近會不會約銀行來喝個咖啡，闡述一些需要要怎麼配合的方向？","quality":0.897},{"speaker":"楊總裁金龍","start":"2026-07-09T09:09:19.940000+08:00","guessed":false,"end":"2026-07-09T09:09:36.284000+08:00","text":"我想我們是會密切注意，因為我們的房市都已經在一定的情況之下，所以現在也不會動不動就請他們來，也不大好意思。","quality":0.959},{"speaker":"林委員德福","start":"2026-07-09T09:09:36.284000+08:00","guessed":true,"end":"2026-07-09T09:09:37.284000+08:00","text":"不會啦！","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T09:09:37.244000+08:00","guessed":false,"end":"2026-07-09T09:09:38.685000+08:00","text":"因為也浪費他的時間。","quality":0.889},{"speaker":"楊總裁金龍","start":"2026-07-09T09:09:38.846000+08:00","guessed":false,"end":"2026-07-09T09:09:51.416000+08:00","text":"第二個，股市到目前為止，我們還是很密切地在注意它，特別是股市的這個部分金管會是主管機關，應該是由它來……","quality":0.891},{"speaker":"林委員德福","start":"2026-07-09T09:09:51.416000+08:00","guessed":false,"end":"2026-07-09T09:09:52.096000+08:00","text":"來主導？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T09:09:52.096000+08:00","guessed":false,"end":"2026-07-09T09:09:52.476000+08:00","text":"來主導。","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T09:09:53.797000+08:00","guessed":false,"end":"2026-07-09T09:09:56.439000+08:00","text":"事實上，我們中央銀行也會密切地注意它。好。","quality":0.778},{"speaker":"林委員德福","start":"2026-07-09T09:09:58.121000+08:00","guessed":false,"end":"2026-07-09T09:10:12.213000+08:00","text":"總裁，因為外資持續賣超臺股，加大新臺幣貶值的壓力，新臺幣近日貶破32元的大關，創下3個月以來的新低點、新低價。是。","quality":0.915},{"speaker":"林委員德福","start":"2026-07-09T09:10:12.393000+08:00","guessed":false,"end":"2026-07-09T09:10:18.018000+08:00","text":"我請問央行，外資領完股利後是否會繼續投入臺灣的股市？","quality":0.958},{"speaker":"林委員德福","start":"2026-07-09T09:10:18.639000+08:00","guessed":false,"end":"2026-07-09T09:10:21.521000+08:00","text":"還是會獲利了結，將大部分的資金移往美國？","quality":0.944},{"speaker":"楊總裁金龍","start":"2026-07-09T09:10:24.022000+08:00","guessed":false,"end":"2026-07-09T09:10:40.547000+08:00","text":"就以前的經驗來看，第一個，它偶爾也會把股利留在這邊，但是有時也會把它的股利匯出去，所以要看它自己本身的投資策略是怎樣。","quality":0.833},{"speaker":"林委員德福","start":"2026-07-09T09:10:43.338000+08:00","guessed":false,"end":"2026-07-09T09:10:48.385000+08:00","text":"好，總裁，你認為柳樹理論還是央行調節匯率的態度嗎？","quality":0.955},{"speaker":"楊總裁金龍","start":"2026-07-09T09:10:48.385000+08:00","guessed":false,"end":"2026-07-09T09:10:48.765000+08:00","text":"是，當然。","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T09:10:50.087000+08:00","guessed":false,"end":"2026-07-09T09:11:11.437000+08:00","text":"匯率一定是要讓它波動的，但是央行也不能讓它上下波動的幅度太大，我們也要讓它……柳樹波動的幅度是不大的，除非是颱風，所以也就是讓它在穩定的狀況之下有一些變化。","quality":0.901},{"speaker":"林委員德福","start":"2026-07-09T09:11:13.591000+08:00","guessed":false,"end":"2026-07-09T09:11:35.260000+08:00","text":"總裁，金管會預計2027年推動美元計價股利政策，若台積電率先導入美元的配息，就央行的角度來看，美元計價股利政策是否有助於減少新臺幣短期匯率大幅度波動？","quality":0.924},{"speaker":"楊總裁金龍","start":"2026-07-09T09:11:36.721000+08:00","guessed":false,"end":"2026-07-09T09:12:00.618000+08:00","text":"我想應該會有幫忙，因為就外資來講，譬如台積電發放新臺幣給他，要發放新臺幣的時候要先賣匯，外資領到新臺幣的時候又要買匯，賣匯與買匯的中間就會稍微有一點麻煩，這樣可能也會影響到匯率。","quality":0.902},{"speaker":"楊總裁金龍","start":"2026-07-09T09:12:00.759000+08:00","guessed":false,"end":"2026-07-09T09:12:23.438000+08:00","text":"如果剛好我們要穩定匯率，他又一直在賣匯，或是一直在買匯，多多少少也會影響到匯率的波動。","quality":0.897},{"speaker":"林委員德福","start":"2026-07-09T09:12:23.438000+08:00","guessed":true,"end":"2026-07-09T09:12:25.360000+08:00","text":"這樣喔！是。","quality":0},{"speaker":"林委員德福","start":"2026-07-09T09:12:25.360000+08:00","guessed":false,"end":"2026-07-09T09:12:44.323000+08:00","text":"總裁，主計總處近日發布6月消費者物價指數，年增率擴大至2.6%，連續兩個月破2%的通膨警戒線，並創17個月以來新高，顯示物價壓力持續升溫。","quality":0.947},{"speaker":"林委員德福","start":"2026-07-09T09:12:45.204000+08:00","guessed":false,"end":"2026-07-09T09:12:59.235000+08:00","text":"臺股榮景呈現K型化，但多數人是沒有感的，民眾最明顯感到物價上漲的地方就是來自日常飲食的便當、小吃等等。","quality":0.915},{"speaker":"林委員德福","start":"2026-07-09T09:13:00.476000+08:00","guessed":false,"end":"2026-07-09T09:13:30.048000+08:00","text":"對於央行預估今年下半年通膨將逐漸降溫，全年CPI年增率可望控制在2%以下，本席認為沒有這麼樂觀，面對極端天候，還有禽流感可能影響農產品供給，包括中聯的問題油會影響整個畜牧飼料的價格上漲，這些因素都可能會推升整個物價。","quality":0.96},{"speaker":"林委員德福","start":"2026-07-09T09:13:31.028000+08:00","guessed":false,"end":"2026-07-09T09:13:31.208000+08:00","text":"總裁，你有什麼看法？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T09:13:31.268000+08:00","guessed":false,"end":"2026-07-09T09:13:59.334000+08:00","text":"事實上，對於低所得的階層來講，他們也會有一些感覺，不過整體來看，不管國內的機構，或是國外的著名機構，對臺灣的通膨預測，還是覺得應該算是溫和的，除了我們本身控制在2%以下，相較其他主要國家，臺灣的通膨還算是溫和。","quality":0.989},{"speaker":"楊總裁金龍","start":"2026-07-09T09:13:59.434000+08:00","guessed":false,"end":"2026-07-09T09:14:24.246000+08:00","text":"委員講的這個部分，我覺得也有道理，不過我也跟委員報告，中央銀行還是會密切關注，反正我們還有時間來觀察，這是第一點。","quality":0.98},{"speaker":"楊總裁金龍","start":"2026-07-09T09:14:24.246000+08:00","guessed":false,"end":"2026-07-09T09:14:44.124000+08:00","text":"第二點，看看油價，最近這一、兩天油價雖然因為美伊的不確定性又再上升，不過從我們的報告可以看到，油價已經下降到美伊戰爭之前的水準。","quality":0.966},{"speaker":"楊總裁金龍","start":"2026-07-09T09:14:44.665000+08:00","guessed":false,"end":"2026-07-09T09:14:52.830000+08:00","text":"所以應該會比較樂觀，油價如果下來的話，輸入性通膨就會比較緩解。","quality":1},{"speaker":"林委員德福","start":"2026-07-09T09:14:52.830000+08:00","guessed":true,"end":"2026-07-09T09:14:55.793000+08:00","text":"這樣喔！是。","quality":0},{"speaker":"林委員德福","start":"2026-07-09T09:14:55.793000+08:00","guessed":false,"end":"2026-07-09T09:15:32.167000+08:00","text":"總裁，為了製作生肖套幣，央行每年都有固定購買白銀的需求，去年受到白銀價格大漲，馬年套幣一套要2,450元，2026年初白銀價格來到120美元左右，如今回落到每盎司58到62美元區間，有專家預估，白銀價格年底可能會往上升，每盎司可能到80美元，2027年進一步挑戰110到130美元左右。","quality":0.914},{"speaker":"林委員德福","start":"2026-07-09T09:15:33.448000+08:00","guessed":false,"end":"2026-07-09T09:15:46.997000+08:00","text":"既然央行每年都有購買白銀的需求，本席希望，央行適時評估購入價格相對較低的白銀，讓每年生肖套幣的價格能夠穩定維持，減輕民眾購買的負擔。","quality":0.918},{"speaker":"林委員德福","start":"2026-07-09T09:15:46.997000+08:00","guessed":false,"end":"2026-07-09T09:15:47.157000+08:00","text":"總裁，你認為呢？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T09:15:52.400000+08:00","guessed":false,"end":"2026-07-09T09:15:55.083000+08:00","text":"好，委員的這個建議很好……","quality":1},{"speaker":"林委員德福","start":"2026-07-09T09:15:55.403000+08:00","guessed":false,"end":"2026-07-09T09:15:55.984000+08:00","text":"對，你在價格低的時候購進來啊！","quality":0.769},{"speaker":"楊總裁金龍","start":"2026-07-09T09:15:56.024000+08:00","guessed":false,"end":"2026-07-09T09:15:57.185000+08:00","text":"對，以前我們大部分都是整批，如果像委員這樣的建議，我們可以用分批的方式……","quality":0.875},{"speaker":"林委員德福","start":"2026-07-09T09:15:57.205000+08:00","guessed":false,"end":"2026-07-09T09:16:25.915000+08:00","text":"對，年度裡面，某個時候價格最高，某個時候價格最低，你在價格最低的時候買進來，才可以穩定維持每年的套幣一套多少錢，不然，像今年，最後你買的價格那麼高，當然將本求利，套幣本身的價格就要那麼高，你才划算。","quality":0.77},{"speaker":"楊總裁金龍","start":"2026-07-09T09:16:26.616000+08:00","guessed":false,"end":"2026-07-09T09:16:27.136000+08:00","text":"是，這個建議很好，這個建議非常好！","quality":0.429},{"speaker":"林委員德福","start":"2026-07-09T09:16:27.457000+08:00","guessed":false,"end":"2026-07-09T09:16:34.484000+08:00","text":"最後一個，本席昨天有問財政部，新青安2.0方案何時對外公布？","quality":0.8},{"speaker":"林委員德福","start":"2026-07-09T09:16:34.804000+08:00","guessed":false,"end":"2026-07-09T09:16:43.172000+08:00","text":"莊部長表示，因為外界持續有不同的意見，財政部目前正在檢視，但一定會在兩週內、7月底以前公布。","quality":0.925},{"speaker":"林委員德福","start":"2026-07-09T09:16:44.033000+08:00","guessed":false,"end":"2026-07-09T09:17:07.130000+08:00","text":"為了改善少子化問題，財政部除了提出相關減稅方案，外傳在新青安2.0方案中，準備針對婚育的家庭推出加碼政策，將貸款額度上限從1,000萬調到1,500萬，新青安2.0政策傳言不斷，方案似乎還有新的變動。","quality":0.951},{"speaker":"林委員德福","start":"2026-07-09T09:17:07.270000+08:00","guessed":false,"end":"2026-07-09T09:17:18.118000+08:00","text":"我請問央行，是否贊成改善少子化問題，在未來新青安2.0政策中，有條件給予婚育家庭不同的貸款額度？","quality":0.976},{"speaker":"楊總裁金龍","start":"2026-07-09T09:17:18.458000+08:00","guessed":false,"end":"2026-07-09T09:17:22.419000+08:00","text":"對於新青安，我們也有提供意見，但是我總覺得財政部是主管機關，另一個很重要的參與者，也就是內政部，內政部的意見也蠻重要的，所以我們基本上還是尊重財政部和內政部的意見。","quality":0.92},{"speaker":"林委員德福","start":"2026-07-09T09:17:22.419000+08:00","guessed":true,"end":"2026-07-09T09:17:46.830000+08:00","text":"這樣喔！是。","quality":0},{"speaker":"林委員德福","start":"2026-07-09T09:17:46.830000+08:00","guessed":false,"end":"2026-07-09T09:17:46.830000+08:00","text":"好，謝謝。","quality":0.333},{"speaker":"主席","start":"2026-07-09T09:17:47.493000+08:00","guessed":false,"end":"2026-07-09T09:17:48.659000+08:00","text":"謝謝，我們結束林德福委員的質詢。","quality":0.5},{"speaker":"主席","start":"2026-07-09T09:17:49.159000+08:00","guessed":true,"end":"2026-07-09T09:17:51.730429+08:00","text":"接下來請吳秉叡委員。","quality":0}]},"gazette":{"lineno":26,"blocks":[["林委員德福：（9時5分）謝謝主席，是不是請楊總裁？"],["主席：請楊總裁。"],["楊總裁金龍：林委員早。"],["林委員德福：總裁你好。根據媒體報導，央行今年以來的定期存單未到期的餘款明顯下降，市場資金獲得挹注，上半年釋放資金活水超過1兆元。臺股行情吸引大批資金進場，民眾出現包括四貸同堂的情況。央行報告提到將密切關注股市、融資槓杆變化以及銀行資金流入股市的情形。我請問楊總裁要如何與金管會合作，順利引導央行釋出的資金，鼓勵銀行將資金投放到非股市的交易需求上？你有沒有想法？"],["楊總裁金龍：委員的這個問題非常好，也給我這個機會稍微澄清一下。"],["林委員德福：對，闡述一下，讓大家了解。"],["楊總裁金龍：在我們6月的理事會，我們的基調就是要稍微往偏緊的方向走，如果我們從今年初又放出一兆多資金出來的話，這很顯然就跟我們所說的有一點不一樣了。"],["林委員德福：對，背道而馳。"],["楊總裁金龍：那就有出入了。事實上應該要這麼說，從今年初以來，因為我們的稅收很好，所以據我了解，有很多的資金，可能有五、六千億都被財政部的稅收……因為它有一個在中央銀行的帳戶，就被鎖在那邊了，它沒有放出去。","另外，我們最近才公布中央銀行在第一季的時候賣匯125億，賣匯125億也就相當於把資金收回來，這樣加起來大概就是存單減少的金額。"],["林委員德福：的額度？"],["楊總裁金龍：對，所以我就說我非常謝謝委員給我這個機會說明。事實上我們在6月開理事會的時候就說我們會比較偏緊，那怎麼又會說要釋出一兆多的資金出去？那是因為被鎖住以後市場的資金就稍微緊了，銀行就沒有錢再來申請我們的存單，所以存單才會這樣一路減下來。"],["林委員德福：才會遞減是不是？總裁，最近會不會約銀行來喝個咖啡，闡述一些需要要怎麼配合的方向？"],["楊總裁金龍：我想我們是會密切注意，因為我們的房市都已經在一定的情況之下，所以現在也不會動不動就請他們來，也不大好意思。"],["林委員德福：不會啦！"],["楊總裁金龍：因為也浪費他的時間。第二個，股市到目前為止，我們還是很密切地在注意它，特別是股市的這個部分金管會是主管機關，應該是由它來……"],["林委員德福：來主導？"],["楊總裁金龍：來主導。事實上，我們中央銀行也會密切地注意它。"],["林委員德福：好。總裁，因為外資持續賣超臺股，加大新臺幣貶值的壓力，新臺幣近日貶破32元的大關，創下3個月以來的新低點、新低價。"],["楊總裁金龍：是。"],["林委員德福：我請問央行，外資領完股利後是否會繼續投入臺灣的股市？還是會獲利了結，將大部分的資金移往美國？"],["楊總裁金龍：就以前的經驗來看，第一個，它偶爾也會把股利留在這邊，但是有時也會把它的股利匯出去，所以要看它自己本身的投資策略是怎樣。"],["林委員德福：好，總裁，你認為柳樹理論還是央行調節匯率的態度嗎？"],["楊總裁金龍：是，當然。匯率一定是要讓它波動的，但是央行也不能讓它上下波動的幅度太大，我們也要讓它……柳樹波動的幅度是不大的，除非是颱風，所以也就是讓它在穩定的狀況之下有一些變化。"],["林委員德福：總裁，金管會預計2027年推動美元計價股利政策，若台積電率先導入美元的配息，就央行的角度來看，美元計價股利政策是否有助於減少新臺幣短期匯率大幅度波動？"],["楊總裁金龍：我想應該會有幫忙，因為就外資來講，譬如台積電發放新臺幣給他，要發放新臺幣的時候要先賣匯，外資領到新臺幣的時候又要買匯，賣匯與買匯的中間就會稍微有一點麻煩，這樣可能也會影響到匯率。如果剛好我們要穩定匯率，他又一直在賣匯，或是一直在買匯，多多少少也會影響到匯率的波動。"],["林委員德福：這樣喔！"],["楊總裁金龍：是。"],["林委員德福：總裁，主計總處近日發布6月消費者物價指數，年增率擴大至2.6%，連續兩個月破2%的通膨警戒線，並創17個月以來新高，顯示物價壓力持續升溫。臺股榮景呈現K型化，但多數人是沒有感的，民眾最明顯感到物價上漲的地方就是來自日常飲食的便當、小吃等等。對於央行預估今年下半年通膨將逐漸降溫，全年CPI年增率可望控制在2%以下，本席認為沒有這麼樂觀，面對極端天候，還有禽流感可能影響農產品供給，包括中聯的問題油會影響整個畜牧飼料的價格上漲，這些因素都可能會推升整個物價。總裁，你有什麼看法？"],["楊總裁金龍：事實上，對於低所得的階層來講，他們也會有一些感覺，不過整體來看，不管國內的機構，或是國外的著名機構，對臺灣的通膨預測，還是覺得應該算是溫和的，除了我們本身控制在2%以下，相較其他主要國家，臺灣的通膨還算是溫和。","委員講的這個部分，我覺得也有道理，不過我也跟委員報告，中央銀行還是會密切關注，反正我們還有時間來觀察，這是第一點。第二點，看看油價，最近這一、兩天油價雖然因為美伊的不確定性又再上升，不過從我們的報告可以看到，油價已經下降到美伊戰爭之前的水準。所以應該會比較樂觀，油價如果下來的話，輸入性通膨就會比較緩解。"],["林委員德福：這樣喔！"],["楊總裁金龍：是。"],["林委員德福：總裁，為了製作生肖套幣，央行每年都有固定購買白銀的需求，去年受到白銀價格大漲，馬年套幣一套要2,450元，2026年初白銀價格來到120美元左右，如今回落到每盎司58到62美元區間，有專家預估，白銀價格年底可能會往上升，每盎司可能到80美元，2027年進一步挑戰110到130美元左右。既然央行每年都有購買白銀的需求，本席希望，央行適時評估購入價格相對較低的白銀，讓每年生肖套幣的價格能夠穩定維持，減輕民眾購買的負擔。總裁，你認為呢？"],["楊總裁金龍：好，委員的這個建議很好……"],["林委員德福：對，你在價格低的時候購進來啊！"],["楊總裁金龍：對，以前我們大部分都是整批，如果像委員這樣的建議，我們可以用分批的方式……"],["林委員德福：對，年度裡面，某個時候價格最高，某個時候價格最低，你在價格最低的時候買進來，才可以穩定維持每年的套幣一套多少錢，不然，像今年，最後你買的價格那麼高，當然將本求利，套幣本身的價格就要那麼高，你才划算。"],["楊總裁金龍：是，這個建議很好，這個建議非常好！"],["林委員德福：最後一個，本席昨天有問財政部，新青安2.0方案何時對外公布？莊部長表示，因為外界持續有不同的意見，財政部目前正在檢視，但一定會在兩週內、7月底以前公布。為了改善少子化問題，財政部除了提出相關減稅方案，外傳在新青安2.0方案中，準備針對婚育的家庭推出加碼政策，將貸款額度上限從1,000萬調到1,500萬，新青安2.0政策傳言不斷，方案似乎還有新的變動。我請問央行，是否贊成改善少子化問題，在未來新青安2.0政策中，有條件給予婚育家庭不同的貸款額度？"],["楊總裁金龍：對於新青安，我們也有提供意見，但是我總覺得財政部是主管機關，另一個很重要的參與者，也就是內政部，內政部的意見也蠻重要的，所以我們基本上還是尊重財政部和內政部的意見。"],["林委員德福：這樣喔！"],["楊總裁金龍：是。"],["林委員德福：好，謝謝。"],["主席：謝謝，我們結束林德福委員的質詢。","接下來請吳秉叡委員。"]],"agenda":{"page_end":578,"meet_id":"委員會-11-5-20-21","speakers":["李彥秀","林德福","吳秉叡","郭國文","賴惠員","林岱樺","劉書彬","賴士葆","李坤城","陳玉珍","林思銘","王世堅","羅明才","邱志偉","葉元之","洪毓祥","顏寬恒"],"page_start":527,"meetingDate":["2026-07-09"],"gazette_id":"1156102","agenda_lcidc_ids":["1156102_00004"],"meet_name":"立法院第11屆第5會期財政委員會第21次全體委員會議紀錄","content":"邀請中央銀行楊總裁金龍就「股市、通膨、匯率與房市多重風險中，中央銀行中長期因應策略與\n政策工具」進行專題報告，並備質詢","agenda_id":"1156102_00003"}}},"supported_relations":[],"relations":[]}