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信用組合啦"},{"start":368.314,"end":394.35,"text":"那我總覺得這個有些有不是沒有啦有些有啦有啦如果說有我想那個不多啦如果有啦我沒有這個數據啦但是我可以推論因為銀行不可能銀行不可能讓你這樣子除非他是非常有錢我負擔啊對不對我房貸找假銀行信貸找銀行沒有沒有因為他有連徵的資料他有連徵的資料"},{"start":398.152,"end":410.677,"text":"廉政一查就可以知道就是說他在哪裡借錢所以簡單來講就是你非常看世代同堂這四個字很不爽就對了啦不是我不是說他不爽而是說我說他都很濃厚會有一點誇張我在理監事會的時候呢我也這樣講我就說他是有一點誇張啊那你這個把我們旁邊的記者都罵到了喔"},{"start":424.022,"end":433.928,"text":"那你如果說他有房貸那這個沒問題他有信貸沒有問題他有融資有問題你看你剛剛講的話我毛幾個記者你再剝脫他的頭髮表示不認同我報告委員我說我在這邊講第一我不是股市專家股市最近有回檔是不是顯著在說"},{"start":451.798,"end":480.06,"text":"那麼外資VS大媽小白髮人呢外資最近賣超了八千多億他錢有沒有匯出去啊所以我在我跟那個委員報告就是說就投資來講的話我如果說我就說人家有說停損跟停利停損就是說一直下來的時候因為他要那個什麼他的損失不能再一直下去"},{"start":480.88,"end":502.585,"text":"那他停歷呢就是說你上來的時候呢你不能就說一直就上去一直來來來媽我現在問你一面回答我所以呢也就是說我認為我認為呢他是在停歷他在停歷停歷了齁停歷也就是他獲利了結好那我就問你最近外資匯出去匯出國外的匯出台灣都有多少錢嗎"},{"start":503.851,"end":512.217,"text":"他會出 我跟委員報告因為他每天都在變動不過我很明確的跟委員報告我們最近才發佈我們第一季的干預的數據"},{"start":525.146,"end":527.108,"text":"干預的數據我們就調節在市場賣匯這個賣匯大部分都是跟外資有關係我跟您報告一下我們第一季我們關賣匯就125億美元"},{"start":540.68,"end":547.044,"text":"120億美金 折算台幣大概4000億左右就是說匯出去了這個4000億大部分都是它匯出的啦那現在等於說Net它有匯進匯出嘛 Net就是4000億"},{"start":560.674,"end":577.952,"text":"我就說是第一劑啦第一劑啦那第二劑以後的話呢它還是會再出去的啦所以你現在看到的是會出去的毒對啦 會出去的這個就是我在講啊就是說它是停利嘛它就是停利嘛"},{"start":580.094,"end":582.415,"text":"我們來看現在通膨已經2.6了喔你來這裡講好幾次喔2%是你能夠忍受的現在2.6了你怎麼辦但是呢我的報告也有講得很清楚喔"},{"start":596.784,"end":614.667,"text":"我們事實上這月份的2.6我們上次的那個我們的報告裡面我們也講得很清楚我們在上季的時候我們就說我們是估測我們第二季包括這個2.6我們就包括進去我們那時候還沒有就6月的時候我們是估計我們的第二季是2.10"},{"start":625.569,"end":651.166,"text":"我們是2.10 就第二季 第二季就四五六平均啦那時候我們也有考慮到六月份會比較高所以我們那個時候 三四五六這個平均起來我們是2.10今年的CPI可以多少 今年的這一次第二季是多少 實際的呢 2.17所以我們只有低估了0.07而已"},{"start":653.287,"end":659.774,"text":"所以這個就是說是在我們後來我們就說假設說這個呢把它放進去了以後包括在我們六月份的那個我們把第三劑跟第四劑呢我們說好那維持我們在六月份的一個估計那這樣的話呢我們現在呢是1.93"},{"start":678.49,"end":685.494,"text":"GDP成長多少我們GDP是9.459.45組織總數估了可能會超過4%他沒有他是9.64不過我跟委員報告就是說像這種估計一定會再revise"},{"start":698.988,"end":712.174,"text":"不可能 一定會再修正的時間到了 但是你最近的回答 真高 二樓四樓答案就在那裏 你不講答案 破綻很多謝謝啦 謝謝啦 我還是喜歡來這裏跟委員請安第一個你要多來"},{"start":725.321,"end":748.619,"text":"直接剪單有利 剪單出報才對 我很平素我覺得有一個很重要的 新清安現在加一個年紀排戶所以你原來的信用管制第七波 所以沒有了可是你透過新清安 還是等於信用管制的2.0加起來"},{"start":749.66,"end":760.593,"text":"所以你有在信任官司 不是沒有喔謝謝 謝謝啦我這樣有對嗎謝謝不是 你同意不同意嗎我沒有comment"},{"start":762.07,"end":766.914,"text":"這個等於是另外一種另類的信用管制怎麼沒有所以你留一手"},{"start":781.563,"end":793.315,"text":"這個最後一句話啦齁我感謝主席派你來因為好久沒有看到你啊啊對啦 我也喜歡你我喜歡在這裡 親愛的 親愛的阿來齁阿比鳳這樣 歐陽社就捨幾步那個答案就給我們了大家捨幾步擔保好 謝謝我們結束濫時保委員的質詢"}],"gazette":[{"speaker":"賴委員士葆","start":"2026-07-09T10:17:53.522000+08:00","guessed":false,"end":"2026-07-09T10:17:56.089000+08:00","text":"謝謝主席以及各位先進。","quality":1},{"speaker":"賴委員士葆","start":"2026-07-09T10:17:56.089000+08:00","guessed":false,"end":"2026-07-09T10:17:58.316000+08:00","text":"有請央行楊總裁。","quality":0.857},{"speaker":"主席","start":"2026-07-09T10:17:58.476000+08:00","guessed":false,"end":"2026-07-09T10:17:58.476000+08:00","text":"請總裁。","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:18:05.679000+08:00","guessed":false,"end":"2026-07-09T10:18:06.140000+08:00","text":"賴委員早。","quality":1},{"speaker":"賴委員士葆","start":"2026-07-09T10:18:08.061000+08:00","guessed":false,"end":"2026-07-09T10:18:08.061000+08:00","text":"總裁好。","quality":0.667},{"speaker":"賴委員士葆","start":"2026-07-09T10:18:09.202000+08:00","guessed":false,"end":"2026-07-09T10:18:13.246000+08:00","text":"其實我們都很喜歡你來。謝謝。","quality":1},{"speaker":"賴委員士葆","start":"2026-07-09T10:18:13.246000+08:00","guessed":false,"end":"2026-07-09T10:18:14.387000+08:00","text":"你都想盡辦法不要來。","quality":0.444},{"speaker":"楊總裁金龍","start":"2026-07-09T10:18:15.148000+08:00","guessed":false,"end":"2026-07-09T10:18:19.712000+08:00","text":"我也很喜歡來跟賴委員請安。","quality":1},{"speaker":"賴委員士葆","start":"2026-07-09T10:18:20.333000+08:00","guessed":false,"end":"2026-07-09T10:18:24.717000+08:00","text":"要多來看看、培養感情，你都沒來，感情比較容易淡。","quality":0.75},{"speaker":"賴委員士葆","start":"2026-07-09T10:18:27.905000+08:00","guessed":false,"end":"2026-07-09T10:18:41.434000+08:00","text":"你很重要，是管錢的，你看上次我質詢你的時候，你說第七波的信用管制stop here，第二天營建股就漲了。","quality":0.783},{"speaker":"賴委員士葆","start":"2026-07-09T10:18:45.016000+08:00","guessed":false,"end":"2026-07-09T10:18:47.157000+08:00","text":"是不是stop here？","quality":1},{"speaker":"賴委員士葆","start":"2026-07-09T10:18:47.297000+08:00","guessed":false,"end":"2026-07-09T10:18:50.159000+08:00","text":"確定沒有了嗎？","quality":1},{"speaker":"賴委員士葆","start":"2026-07-09T10:18:50.159000+08:00","guessed":false,"end":"2026-07-09T10:18:51.480000+08:00","text":"我問你是不是確定沒有了？","quality":1},{"speaker":"賴委員士葆","start":"2026-07-09T10:18:54.225000+08:00","guessed":false,"end":"2026-07-09T10:18:56.626000+08:00","text":"不會再對房地產動刀，對不對？","quality":0.75},{"speaker":"楊總裁金龍","start":"2026-07-09T10:18:56.806000+08:00","guessed":false,"end":"2026-07-09T10:18:57.266000+08:00","text":"我們滾動式檢討。","quality":0.857},{"speaker":"賴委員士葆","start":"2026-07-09T10:18:58.666000+08:00","guessed":false,"end":"2026-07-09T10:19:01.207000+08:00","text":"你不要縮回去，這一題等一下問你。","quality":0.357},{"speaker":"楊總裁金龍","start":"2026-07-09T10:19:01.207000+08:00","guessed":true,"end":"2026-07-09T10:19:02.207000+08:00","text":"謝謝指教。","quality":0},{"speaker":"賴委員士葆","start":"2026-07-09T10:19:01.568000+08:00","guessed":false,"end":"2026-07-09T10:19:06.509000+08:00","text":"我就請問你，來這裡跟你談的就是money talk，講錢。","quality":0.96},{"speaker":"賴委員士葆","start":"2026-07-09T10:19:20.318000+08:00","guessed":false,"end":"2026-07-09T10:19:24.100000+08:00","text":"請問你覺得現在股市有沒有過熱？","quality":0.714},{"speaker":"賴委員士葆","start":"2026-07-09T10:19:24.100000+08:00","guessed":true,"end":"2026-07-09T10:19:27.022000+08:00","text":"一天成交量超過1兆。","quality":0.125},{"speaker":"楊總裁金龍","start":"2026-07-09T10:19:27.022000+08:00","guessed":false,"end":"2026-07-09T10:19:31.004000+08:00","text":"成交量最近已稍減。","quality":0.875},{"speaker":"楊總裁金龍","start":"2026-07-09T10:19:31.004000+08:00","guessed":false,"end":"2026-07-09T10:19:42.371000+08:00","text":"對於股市，我說的是我個人的判斷，因為我不是股市的專家，這是第一個，我必須要講。","quality":0.647},{"speaker":"賴委員士葆","start":"2026-07-09T10:19:42.371000+08:00","guessed":true,"end":"2026-07-09T10:19:43.371000+08:00","text":"當然，但是你關係到錢。","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:19:43.212000+08:00","guessed":false,"end":"2026-07-09T10:19:50.134000+08:00","text":"但是我個人是認為，我們的股市也有它的基本面，當然股市的基本面是集中在電子資通訊，在那邊沒有錯。","quality":0.977},{"speaker":"賴委員士葆","start":"2026-07-09T10:19:50.134000+08:00","guessed":true,"end":"2026-07-09T10:19:57.745500+08:00","text":"那個few build distortion，不管啦！","quality":0},{"speaker":"賴委員士葆","start":"2026-07-09T10:19:57.745500+08:00","guessed":true,"end":"2026-07-09T10:20:05.357000+08:00","text":"你的白話文……","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:20:05.357000+08:00","guessed":false,"end":"2026-07-09T10:20:10.243000+08:00","text":"我們的股市一方面也受到美國股市的影響，特別是費城半導體。","quality":0.923},{"speaker":"賴委員士葆","start":"2026-07-09T10:20:10.243000+08:00","guessed":false,"end":"2026-07-09T10:20:11.244000+08:00","text":"你這些都是在鋪陳，是不是我可以用白話文說「楊總裁說股市最近沒有過熱，非常正常」？","quality":0.743},{"speaker":"賴委員士葆","start":"2026-07-09T10:20:11.264000+08:00","guessed":false,"end":"2026-07-09T10:20:11.404000+08:00","text":"這樣可以嗎？","quality":1},{"speaker":"賴委員士葆","start":"2026-07-09T10:20:11.404000+08:00","guessed":true,"end":"2026-07-09T10:20:25.181000+08:00","text":"你同意嗎？","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:20:25.181000+08:00","guessed":false,"end":"2026-07-09T10:20:26.383000+08:00","text":"我不敢做這樣的結論，為什麼我說不敢？","quality":0.938},{"speaker":"楊總裁金龍","start":"2026-07-09T10:20:26.563000+08:00","guessed":false,"end":"2026-07-09T10:20:27.504000+08:00","text":"因為我剛剛已經講了，我不是股市專家。","quality":1},{"speaker":"賴委員士葆","start":"2026-07-09T10:20:27.504000+08:00","guessed":true,"end":"2026-07-09T10:20:39.660000+08:00","text":"對，但是因為你跟錢有關係，股市的錢……","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:20:39.660000+08:00","guessed":false,"end":"2026-07-09T10:20:44.121000+08:00","text":"我只能說，希望我們的投資人不要過度槓桿去投資，當有一天，因為現在它上去的時候……","quality":0.971},{"speaker":"賴委員士葆","start":"2026-07-09T10:20:44.121000+08:00","guessed":true,"end":"2026-07-09T10:21:04.406000+08:00","text":"我知道，那已經講了，不要再講一遍了。","quality":0.067},{"speaker":"賴委員士葆","start":"2026-07-09T10:21:04.406000+08:00","guessed":false,"end":"2026-07-09T10:21:30.633000+08:00","text":"我們現在有四貸同堂，甚至於六貸同堂，我們講四貸是房貸、信貸、融資、股票質借，事實上依楊總裁剛才的說法，我們希望槓桿越低越好，所以基本上你不樂見四貸同堂把錢貸出來之後去投入股市？","quality":0.861},{"speaker":"楊總裁金龍","start":"2026-07-09T10:21:32.655000+08:00","guessed":false,"end":"2026-07-09T10:21:45.904000+08:00","text":"四貸同堂會讓人家confuse、混淆，以為一個人可以做這樣的……同堂的意思很容易讓人家誤解。","quality":0.878},{"speaker":"賴委員士葆","start":"2026-07-09T10:21:45.904000+08:00","guessed":true,"end":"2026-07-09T10:21:48.066000+08:00","text":"同堂就是我拿房子去貸款，我去信用貸款、去融資、去股票質借啊！","quality":0.192},{"speaker":"楊總裁金龍","start":"2026-07-09T10:21:48.066000+08:00","guessed":false,"end":"2026-07-09T10:22:08.947000+08:00","text":"我們應該說這個投資人用房貸去借錢，另外一個投資人用信貸，然後這個投資人用融資，就是各別啦，你如果說把四貸都綁在一起，我覺得機率不高。","quality":0.9},{"speaker":"賴委員士葆","start":"2026-07-09T10:22:15.286000+08:00","guessed":false,"end":"2026-07-09T10:22:16.167000+08:00","text":"可是人家統計的時候……","quality":0.778},{"speaker":"楊總裁金龍","start":"2026-07-09T10:22:17.688000+08:00","guessed":false,"end":"2026-07-09T10:22:19.350000+08:00","text":"但是你可以統計，你只能……","quality":1},{"speaker":"賴委員士葆","start":"2026-07-09T10:22:20.511000+08:00","guessed":false,"end":"2026-07-09T10:22:24.115000+08:00","text":"銀行辦理個人理財週轉金額近11月增加1.74兆元。","quality":0.474},{"speaker":"楊總裁金龍","start":"2026-07-09T10:22:24.615000+08:00","guessed":false,"end":"2026-07-09T10:22:39.244000+08:00","text":"對嘛，個人理財週轉金只是講融資這個部分，只是講融資的，並沒有說個人理財包括所有的這些，是沒有的，所以我就總覺得四貸同堂這個名詞……有啦！","quality":0.783},{"speaker":"賴委員士葆","start":"2026-07-09T10:22:39.264000+08:00","guessed":false,"end":"2026-07-09T10:22:39.844000+08:00","text":"你現在跟社會主流的講法相……","quality":0.75},{"speaker":"楊總裁金龍","start":"2026-07-09T10:22:40.224000+08:00","guessed":false,"end":"2026-07-09T10:22:43.545000+08:00","text":"沒有，一個人他可以用融資，可以用信貸，合併起來，他就很厲害了。","quality":0.769},{"speaker":"賴委員士葆","start":"2026-07-09T10:22:43.545000+08:00","guessed":true,"end":"2026-07-09T10:22:58.370000+08:00","text":"我給你數字！","quality":0},{"speaker":"賴委員士葆","start":"2026-07-09T10:22:58.370000+08:00","guessed":false,"end":"2026-07-09T10:23:03.034000+08:00","text":"以5月份跟去年比較，房貸增加4,830萬，車貸增加175萬，融資貸款增加6,400億，這些都是億啦……","quality":0.818},{"speaker":"楊總裁金龍","start":"2026-07-09T10:23:03.034000+08:00","guessed":true,"end":"2026-07-09T10:23:04.034000+08:00","text":"對啦，如果你給我數據……","quality":0},{"speaker":"賴委員士葆","start":"2026-07-09T10:23:03.714000+08:00","guessed":false,"end":"2026-07-09T10:23:29.850000+08:00","text":"房貸增加四千八百多億，車貸增加一百多億，融資增加六千多億，這些大部分都跑去股市，就是一般人要分析的，就跟你這樣講。","quality":0.863},{"speaker":"賴委員士葆","start":"2026-07-09T10:23:29.850000+08:00","guessed":false,"end":"2026-07-09T10:23:34.212000+08:00","text":"所以四貸同堂是存在的，不是不存在，你不能視而不見。","quality":0.591},{"speaker":"楊總裁金龍","start":"2026-07-09T10:23:34.672000+08:00","guessed":false,"end":"2026-07-09T10:23:53.533000+08:00","text":"不是，我的意思是說，房貸是存在的，信貸是存在的，融資是存在的，股票質借也是存在的，但是所謂的四貸同堂會讓人家confuse，一個人可以同時做這樣的信用，順序組合……","quality":0.861},{"speaker":"賴委員士葆","start":"2026-07-09T10:23:53.533000+08:00","guessed":true,"end":"2026-07-09T10:23:54.533000+08:00","text":"有人有啦！","quality":0.25},{"speaker":"楊總裁金龍","start":"2026-07-09T10:23:54.494000+08:00","guessed":false,"end":"2026-07-09T10:23:56.375000+08:00","text":"我總覺得這個可能性不大。","quality":0.545},{"speaker":"賴委員士葆","start":"2026-07-09T10:23:56.375000+08:00","guessed":false,"end":"2026-07-09T10:23:57.436000+08:00","text":"有些人有，不是沒有。","quality":0.875},{"speaker":"楊總裁金龍","start":"2026-07-09T10:24:00.598000+08:00","guessed":false,"end":"2026-07-09T10:24:13.746000+08:00","text":"如果說有，我想不多，我沒有這個數據，但是我可以推論，因為銀行不可能讓他這樣子，除非他是非常有錢。","quality":0.976},{"speaker":"賴委員士葆","start":"2026-07-09T10:24:15.027000+08:00","guessed":false,"end":"2026-07-09T10:24:15.907000+08:00","text":"他分散啊，對不對？","quality":0.571},{"speaker":"賴委員士葆","start":"2026-07-09T10:24:16.067000+08:00","guessed":false,"end":"2026-07-09T10:24:19.029000+08:00","text":"房貸找甲銀行，信貸找乙銀行。","quality":0.833},{"speaker":"楊總裁金龍","start":"2026-07-09T10:24:19.209000+08:00","guessed":false,"end":"2026-07-09T10:24:27.733000+08:00","text":"沒有，因為有聯徵資料，聯徵一查就可以知道他在哪裡有借錢。","quality":0.88},{"speaker":"賴委員士葆","start":"2026-07-09T10:24:27.733000+08:00","guessed":false,"end":"2026-07-09T10:24:32.955000+08:00","text":"所以簡單來講，就是你看四貸同堂這四個字很不爽就對了。","quality":0.917},{"speaker":"楊總裁金龍","start":"2026-07-09T10:24:33.235000+08:00","guessed":false,"end":"2026-07-09T10:24:34.676000+08:00","text":"不是，我不是說不爽，而是我說這樣會有一點誇張。誇張？","quality":0.818},{"speaker":"楊總裁金龍","start":"2026-07-09T10:24:34.676000+08:00","guessed":false,"end":"2026-07-09T10:24:36.076000+08:00","text":"我在理監事會的時候也這樣講，我說是有一點誇張啊！","quality":1},{"speaker":"賴委員士葆","start":"2026-07-09T10:24:36.216000+08:00","guessed":false,"end":"2026-07-09T10:24:36.657000+08:00","text":"你把我們旁邊的記者通通罵到了，好多記者這樣寫喔。","quality":0.591},{"speaker":"楊總裁金龍","start":"2026-07-09T10:24:50.142000+08:00","guessed":false,"end":"2026-07-09T10:24:56.005000+08:00","text":"你如果說他有房貸，這個沒問題，他有信貸沒有問題，有融資也沒有問題……","quality":0.931},{"speaker":"賴委員士葆","start":"2026-07-09T10:24:56.005000+08:00","guessed":false,"end":"2026-07-09T10:24:57.406000+08:00","text":"你看你講這個話，有好幾個記者在撥頭髮表示不認同。","quality":0.727},{"speaker":"賴委員士葆","start":"2026-07-09T10:24:57.406000+08:00","guessed":true,"end":"2026-07-09T10:24:58.406000+08:00","text":"我們來看……","quality":0.25},{"speaker":"楊總裁金龍","start":"2026-07-09T10:24:57.526000+08:00","guessed":false,"end":"2026-07-09T10:24:58.587000+08:00","text":"報告委員，我在這邊講，第一個我不是股市專家。","quality":0.947},{"speaker":"賴委員士葆","start":"2026-07-09T10:24:58.587000+08:00","guessed":true,"end":"2026-07-09T10:24:59.587000+08:00","text":"我還有很多問題要問。","quality":0},{"speaker":"賴委員士葆","start":"2026-07-09T10:24:58.687000+08:00","guessed":false,"end":"2026-07-09T10:25:25.904000+08:00","text":"股市最近回檔了，是不是顯著再說啦，外資vs.大媽、小白、法人，外資最近賣超了八千多億，錢有沒有匯出去啊？","quality":0.844},{"speaker":"楊總裁金龍","start":"2026-07-09T10:25:28.646000+08:00","guessed":false,"end":"2026-07-09T10:25:46.040000+08:00","text":"我跟委員報告，就投資來講的話，人家有時候停損跟停利，停損就是一直下來的時候，損失不能再一直下去……","quality":0.953},{"speaker":"賴委員士葆","start":"2026-07-09T10:25:46.040000+08:00","guessed":true,"end":"2026-07-09T10:25:47.200000+08:00","text":"我知道，這個我懂，這個不用解釋。","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:25:47.200000+08:00","guessed":false,"end":"2026-07-09T10:25:51.061000+08:00","text":"停利就是上來的時候，不能一直上去……","quality":0.933},{"speaker":"賴委員士葆","start":"2026-07-09T10:25:51.061000+08:00","guessed":true,"end":"2026-07-09T10:25:52.101333+08:00","text":"你沒有回答我，外資究竟匯出去多少？","quality":0.267},{"speaker":"楊總裁金龍","start":"2026-07-09T10:25:52.101333+08:00","guessed":true,"end":"2026-07-09T10:25:53.141667+08:00","text":"所以我認為它是在停利。","quality":0.2},{"speaker":"賴委員士葆","start":"2026-07-09T10:25:53.141667+08:00","guessed":true,"end":"2026-07-09T10:25:54.182000+08:00","text":"停利，獲利了結。","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:25:54.182000+08:00","guessed":false,"end":"2026-07-09T10:26:01.563000+08:00","text":"也就是它獲利了結。","quality":0.875},{"speaker":"賴委員士葆","start":"2026-07-09T10:26:01.563000+08:00","guessed":false,"end":"2026-07-09T10:26:08.585000+08:00","text":"好，我問你最近外資匯去國外，匯出臺灣的有多少錢？","quality":0.952},{"speaker":"楊總裁金龍","start":"2026-07-09T10:26:10.692000+08:00","guessed":false,"end":"2026-07-09T10:26:33.088000+08:00","text":"我跟委員報告，它每天都在變動，不過我很明確地跟委員報告，我們最近才發布第1季的干預數據，我們調節，在市場賣匯，賣匯大部分都是跟外資有關係，我跟你報告一下，我們第1季光賣匯就125億美元。","quality":0.937},{"speaker":"賴委員士葆","start":"2026-07-09T10:26:46.680000+08:00","guessed":false,"end":"2026-07-09T10:26:46.921000+08:00","text":"125億美金。","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:26:46.921000+08:00","guessed":true,"end":"2026-07-09T10:26:47.921000+08:00","text":"對，125億美金。","quality":0},{"speaker":"賴委員士葆","start":"2026-07-09T10:26:47.081000+08:00","guessed":false,"end":"2026-07-09T10:26:48.041000+08:00","text":"折算臺幣大概四千一左右。","quality":0.727},{"speaker":"楊總裁金龍","start":"2026-07-09T10:26:48.041000+08:00","guessed":true,"end":"2026-07-09T10:26:49.041000+08:00","text":"四千多億。","quality":0},{"speaker":"賴委員士葆","start":"2026-07-09T10:26:48.161000+08:00","guessed":false,"end":"2026-07-09T10:26:48.862000+08:00","text":"就是匯出去了。","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:26:49.022000+08:00","guessed":false,"end":"2026-07-09T10:26:49.842000+08:00","text":"對，匯出去，這個四千億大部分都是它匯出去的。","quality":0.632},{"speaker":"賴委員士葆","start":"2026-07-09T10:26:50.102000+08:00","guessed":false,"end":"2026-07-09T10:26:53.044000+08:00","text":"現在等於net，有匯進、匯出，net就是四千億差不多？","quality":0.696},{"speaker":"楊總裁金龍","start":"2026-07-09T10:27:06.674000+08:00","guessed":false,"end":"2026-07-09T10:27:14.041000+08:00","text":"我說的是第1季，第2季以後的話，它還是有再匯出去的。","quality":0.762},{"speaker":"賴委員士葆","start":"2026-07-09T10:27:14.542000+08:00","guessed":false,"end":"2026-07-09T10:27:17.025000+08:00","text":"所以你現在看到的是匯出去的多？","quality":0.857},{"speaker":"楊總裁金龍","start":"2026-07-09T10:27:18.186000+08:00","guessed":false,"end":"2026-07-09T10:27:22.630000+08:00","text":"對，匯出去的，這個就是我在講的啊，它是停利嘛。","quality":0.895},{"speaker":"賴委員士葆","start":"2026-07-09T10:27:22.630000+08:00","guessed":true,"end":"2026-07-09T10:27:26.094000+08:00","text":"就是股市不好啊！","quality":0.286},{"speaker":"賴委員士葆","start":"2026-07-09T10:27:26.094000+08:00","guessed":false,"end":"2026-07-09T10:27:26.915000+08:00","text":"我們來看，現在通膨已經2.6%了，你在這裡講了好幾次，2%是你能夠忍受的。對。","quality":0.871},{"speaker":"賴委員士葆","start":"2026-07-09T10:27:26.935000+08:00","guessed":false,"end":"2026-07-09T10:27:27.335000+08:00","text":"現在2.6%了，怎麼辦？","quality":0.875},{"speaker":"賴委員士葆","start":"2026-07-09T10:27:27.335000+08:00","guessed":true,"end":"2026-07-09T10:27:28.335000+08:00","text":"有沒有對策？","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:27:27.335000+08:00","guessed":false,"end":"2026-07-09T10:28:26.659000+08:00","text":"但是我的報告也有講得很清楚，事實上，這一個月份的2.6%，在上次的報告裡面我們也講得很清楚，在上季的時候，我們就說我們是估測第2季，這個2.6%就包括進去了，就6月的時候，我們估計第2季是2.10%，第2季就是4月、5月、6月平均，那時候我們也有考慮到6月份會比較高，所以那時候預估4月、5月、6月平均起來是2.10%……","quality":0.862},{"speaker":"賴委員士葆","start":"2026-07-09T10:28:26.659000+08:00","guessed":false,"end":"2026-07-09T10:28:29.141000+08:00","text":"今年的CPI大概多少？","quality":0.8},{"speaker":"楊總裁金龍","start":"2026-07-09T10:28:31.322000+08:00","guessed":false,"end":"2026-07-09T10:28:33.423000+08:00","text":"然後這一次第二季是多少？","quality":0.818},{"speaker":"楊總裁金龍","start":"2026-07-09T10:28:33.964000+08:00","guessed":false,"end":"2026-07-09T10:28:41.009000+08:00","text":"實際是2.17%，所以我們只有低估了0.07%而已，也不高，這個就是在我們……","quality":0.786},{"speaker":"賴委員士葆","start":"2026-07-09T10:28:41.009000+08:00","guessed":true,"end":"2026-07-09T10:28:42.009000+08:00","text":"你回答我，今年整年度的CPI你預估多少？","quality":0.056},{"speaker":"楊總裁金龍","start":"2026-07-09T10:28:41.289000+08:00","guessed":false,"end":"2026-07-09T10:28:45.774000+08:00","text":"假設把它放進去了以後，就是包括6月份的那部分，第三季跟第四季維持在6月份的估計，這樣的話，現在預估是1.93%。","quality":0.804},{"speaker":"賴委員士葆","start":"2026-07-09T10:29:04.490000+08:00","guessed":false,"end":"2026-07-09T10:29:05.510000+08:00","text":"GDP成長多少？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:29:06.031000+08:00","guessed":false,"end":"2026-07-09T10:29:07.071000+08:00","text":"我們的GDP是9.45%。9.45%？9.45%。","quality":0.615},{"speaker":"賴委員士葆","start":"2026-07-09T10:29:07.071000+08:00","guessed":false,"end":"2026-07-09T10:29:08.092000+08:00","text":"主計總處估的可能會超過10%。","quality":0.667},{"speaker":"楊總裁金龍","start":"2026-07-09T10:29:08.112000+08:00","guessed":false,"end":"2026-07-09T10:29:09.113000+08:00","text":"沒有，它是9.64%。","quality":0.667},{"speaker":"楊總裁金龍","start":"2026-07-09T10:29:09.113000+08:00","guessed":false,"end":"2026-07-09T10:29:27.369000+08:00","text":"不過我跟委員報告，像這種估計一定會再revise，一定會再修正的。","quality":1},{"speaker":"賴委員士葆","start":"2026-07-09T10:29:27.529000+08:00","guessed":false,"end":"2026-07-09T10:29:36.713000+08:00","text":"總裁，我時間到了，我覺得你最近的回答很會「黑龍踅桌」，答案就在那裡，你不講答案，然後鋪陳很多，最後答案講很小聲，鋪陳講很大聲，你最近都這樣你知道嗎？","quality":0.349},{"speaker":"楊總裁金龍","start":"2026-07-09T10:29:36.733000+08:00","guessed":false,"end":"2026-07-09T10:29:37.774000+08:00","text":"謝謝，我還是喜歡來這裡跟委員請安。","quality":0.933},{"speaker":"賴委員士葆","start":"2026-07-09T10:29:37.794000+08:00","guessed":false,"end":"2026-07-09T10:29:56.625000+08:00","text":"是啦，第一個你要多來，而且要straightforward，直接、簡單、有力，簡單粗暴才對，都在那邊講半天。","quality":0.304},{"speaker":"楊總裁金龍","start":"2026-07-09T10:29:56.625000+08:00","guessed":false,"end":"2026-07-09T10:29:57.806000+08:00","text":"我很平順，因為我……","quality":0.571},{"speaker":"賴委員士葆","start":"2026-07-09T10:29:58.867000+08:00","guessed":false,"end":"2026-07-09T10:30:02.630000+08:00","text":"最後我有一個很重要、很重要的問題，新青安現在加一個年紀排富。","quality":0.63},{"speaker":"賴委員士葆","start":"2026-07-09T10:30:04.211000+08:00","guessed":false,"end":"2026-07-09T10:30:14.439000+08:00","text":"你說原來的信用管制到第七波就沒有了，可是透過新青安，就等於信用管制2.0。","quality":0.844},{"speaker":"賴委員士葆","start":"2026-07-09T10:30:15.660000+08:00","guessed":false,"end":"2026-07-09T10:30:17.923000+08:00","text":"所以你有在信用管制，不是沒有！","quality":0.769},{"speaker":"楊總裁金龍","start":"2026-07-09T10:30:20.426000+08:00","guessed":false,"end":"2026-07-09T10:30:20.426000+08:00","text":"謝謝，謝謝啦！對吧？","quality":0.714},{"speaker":"賴委員士葆","start":"2026-07-09T10:30:20.786000+08:00","guessed":false,"end":"2026-07-09T10:30:21.127000+08:00","text":"我這樣講對吧？謝謝。","quality":0.75},{"speaker":"賴委員士葆","start":"2026-07-09T10:30:22.649000+08:00","guessed":false,"end":"2026-07-09T10:30:23.309000+08:00","text":"你同不同意？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:30:25.692000+08:00","guessed":false,"end":"2026-07-09T10:30:26.573000+08:00","text":"我沒有comment。","quality":1},{"speaker":"賴委員士葆","start":"2026-07-09T10:30:26.573000+08:00","guessed":true,"end":"2026-07-09T10:30:27.573000+08:00","text":"怎麼沒有comment！","quality":0},{"speaker":"賴委員士葆","start":"2026-07-09T10:30:27.573000+08:00","guessed":true,"end":"2026-07-09T10:30:28.573000+08:00","text":"你上一次講新青安……","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:30:28.573000+08:00","guessed":true,"end":"2026-07-09T10:30:29.573000+08:00","text":"謝謝，我沒有評論。","quality":0},{"speaker":"賴委員士葆","start":"2026-07-09T10:30:29.573000+08:00","guessed":true,"end":"2026-07-09T10:30:30.573000+08:00","text":"上一次你講信用管制stop here耶！","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:30:30.573000+08:00","guessed":true,"end":"2026-07-09T10:30:31.573000+08:00","text":"新青安，財政部是主政單位，謝謝。","quality":0},{"speaker":"賴委員士葆","start":"2026-07-09T10:30:31.573000+08:00","guessed":true,"end":"2026-07-09T10:30:32.573000+08:00","text":"所以你都同意？","quality":0},{"speaker":"賴委員士葆","start":"2026-07-09T10:30:28.070000+08:00","guessed":false,"end":"2026-07-09T10:30:32.453000+08:00","text":"這等於是另類的信用管制，怎麼沒有？","quality":1},{"speaker":"賴委員士葆","start":"2026-07-09T10:30:32.553000+08:00","guessed":false,"end":"2026-07-09T10:30:32.894000+08:00","text":"所以你留一手。","quality":1},{"speaker":"賴委員士葆","start":"2026-07-09T10:30:47.563000+08:00","guessed":false,"end":"2026-07-09T10:30:50.847000+08:00","text":"最後一句話，我感謝主席排你來……謝謝。","quality":0.8},{"speaker":"賴委員士葆","start":"2026-07-09T10:30:50.847000+08:00","guessed":false,"end":"2026-07-09T10:30:52.028000+08:00","text":"因為好久沒有看到你！","quality":1},{"speaker":"賴委員士葆","start":"2026-07-09T10:30:52.028000+08:00","guessed":true,"end":"2026-07-09T10:30:53.109000+08:00","text":"大家miss you啊！","quality":0.1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:30:53.109000+08:00","guessed":false,"end":"2026-07-09T10:30:53.950000+08:00","text":"我也喜歡來這裡向委員請安。","quality":0.5},{"speaker":"賴委員士葆","start":"2026-07-09T10:30:53.950000+08:00","guessed":true,"end":"2026-07-09T10:30:58.734000+08:00","text":"就算來，也不需要「黑龍踅桌」轉半天，答案要趕快給我們，大家等半天等不到！","quality":0.267},{"speaker":"主席","start":"2026-07-09T10:30:58.734000+08:00","guessed":false,"end":"2026-07-09T10:30:59.315000+08:00","text":"謝謝，我們結束賴士葆委員的質詢。","quality":0.786},{"speaker":"主席","start":"2026-07-09T10:30:59.815000+08:00","guessed":true,"end":"2026-07-09T10:31:02.386429+08:00","text":"接下來請李坤城委員。","quality":0}]},"gazette":{"lineno":328,"blocks":[["賴委員士葆：（10時17分）謝謝主席以及各位先進。有請央行楊總裁。"],["主席：請總裁。"],["楊總裁金龍：賴委員早。"],["賴委員士葆：總裁好。其實我們都很喜歡你來。"],["楊總裁金龍：謝謝。"],["賴委員士葆：你都想盡辦法不要來。"],["楊總裁金龍：我也很喜歡來跟賴委員請安。"],["賴委員士葆：要多來看看、培養感情，你都沒來，感情比較容易淡。你很重要，是管錢的，你看上次我質詢你的時候，你說第七波的信用管制stop here，第二天營建股就漲了。是不是stop here？確定沒有了嗎？我問你是不是確定沒有了？不會再對房地產動刀，對不對？"],["楊總裁金龍：我們滾動式檢討。"],["賴委員士葆：你不要縮回去，這一題等一下問你。"],["楊總裁金龍：謝謝指教。"],["賴委員士葆：我就請問你，來這裡跟你談的就是money talk，講錢。請問你覺得現在股市有沒有過熱？一天成交量超過1兆。"],["楊總裁金龍：成交量最近已稍減。對於股市，我說的是我個人的判斷，因為我不是股市的專家，這是第一個，我必須要講。"],["賴委員士葆：當然，但是你關係到錢。"],["楊總裁金龍：但是我個人是認為，我們的股市也有它的基本面，當然股市的基本面是集中在電子資通訊，在那邊沒有錯。"],["賴委員士葆：那個few build distortion，不管啦！你的白話文……"],["楊總裁金龍：我們的股市一方面也受到美國股市的影響，特別是費城半導體。"],["賴委員士葆：你這些都是在鋪陳，是不是我可以用白話文說「楊總裁說股市最近沒有過熱，非常正常」？這樣可以嗎？你同意嗎？"],["楊總裁金龍：我不敢做這樣的結論，為什麼我說不敢？因為我剛剛已經講了，我不是股市專家。"],["賴委員士葆：對，但是因為你跟錢有關係，股市的錢……"],["楊總裁金龍：我只能說，希望我們的投資人不要過度槓桿去投資，當有一天，因為現在它上去的時候……"],["賴委員士葆：我知道，那已經講了，不要再講一遍了。我們現在有四貸同堂，甚至於六貸同堂，我們講四貸是房貸、信貸、融資、股票質借，事實上依楊總裁剛才的說法，我們希望槓桿越低越好，所以基本上你不樂見四貸同堂把錢貸出來之後去投入股市？"],["楊總裁金龍：四貸同堂會讓人家confuse、混淆，以為一個人可以做這樣的……同堂的意思很容易讓人家誤解。"],["賴委員士葆：同堂就是我拿房子去貸款，我去信用貸款、去融資、去股票質借啊！"],["楊總裁金龍：我們應該說這個投資人用房貸去借錢，另外一個投資人用信貸，然後這個投資人用融資，就是各別啦，你如果說把四貸都綁在一起，我覺得機率不高。"],["賴委員士葆：可是人家統計的時候……"],["楊總裁金龍：但是你可以統計，你只能……"],["賴委員士葆：銀行辦理個人理財週轉金額近11月增加1.74兆元。"],["楊總裁金龍：對嘛，個人理財週轉金只是講融資這個部分，只是講融資的，並沒有說個人理財包括所有的這些，是沒有的，所以我就總覺得四貸同堂這個名詞……"],["賴委員士葆：有啦！你現在跟社會主流的講法相……"],["楊總裁金龍：沒有，一個人他可以用融資，可以用信貸，合併起來，他就很厲害了。"],["賴委員士葆：我給你數字！以5月份跟去年比較，房貸增加4,830萬，車貸增加175萬，融資貸款增加6,400億，這些都是億啦……"],["楊總裁金龍：對啦，如果你給我數據……"],["賴委員士葆：房貸增加四千八百多億，車貸增加一百多億，融資增加六千多億，這些大部分都跑去股市，就是一般人要分析的，就跟你這樣講。所以四貸同堂是存在的，不是不存在，你不能視而不見。"],["楊總裁金龍：不是，我的意思是說，房貸是存在的，信貸是存在的，融資是存在的，股票質借也是存在的，但是所謂的四貸同堂會讓人家confuse，一個人可以同時做這樣的信用，順序組合……"],["賴委員士葆：有人有啦！"],["楊總裁金龍：我總覺得這個可能性不大。"],["賴委員士葆：有些人有，不是沒有。"],["楊總裁金龍：如果說有，我想不多，我沒有這個數據，但是我可以推論，因為銀行不可能讓他這樣子，除非他是非常有錢。"],["賴委員士葆：他分散啊，對不對？房貸找甲銀行，信貸找乙銀行。"],["楊總裁金龍：沒有，因為有聯徵資料，聯徵一查就可以知道他在哪裡有借錢。"],["賴委員士葆：所以簡單來講，就是你看四貸同堂這四個字很不爽就對了。"],["楊總裁金龍：不是，我不是說不爽，而是我說這樣會有一點誇張。"],["賴委員士葆：誇張？"],["楊總裁金龍：我在理監事會的時候也這樣講，我說是有一點誇張啊！"],["賴委員士葆：你把我們旁邊的記者通通罵到了，好多記者這樣寫喔。"],["楊總裁金龍：你如果說他有房貸，這個沒問題，他有信貸沒有問題，有融資也沒有問題……"],["賴委員士葆：你看你講這個話，有好幾個記者在撥頭髮表示不認同。我們來看……"],["楊總裁金龍：報告委員，我在這邊講，第一個我不是股市專家。"],["賴委員士葆：我還有很多問題要問。股市最近回檔了，是不是顯著再說啦，外資vs.大媽、小白、法人，外資最近賣超了八千多億，錢有沒有匯出去啊？"],["楊總裁金龍：我跟委員報告，就投資來講的話，人家有時候停損跟停利，停損就是一直下來的時候，損失不能再一直下去……"],["賴委員士葆：我知道，這個我懂，這個不用解釋。"],["楊總裁金龍：停利就是上來的時候，不能一直上去……"],["賴委員士葆：你沒有回答我，外資究竟匯出去多少？"],["楊總裁金龍：所以我認為它是在停利。"],["賴委員士葆：停利，獲利了結。"],["楊總裁金龍：也就是它獲利了結。"],["賴委員士葆：好，我問你最近外資匯去國外，匯出臺灣的有多少錢？"],["楊總裁金龍：我跟委員報告，它每天都在變動，不過我很明確地跟委員報告，我們最近才發布第1季的干預數據，我們調節，在市場賣匯，賣匯大部分都是跟外資有關係，我跟你報告一下，我們第1季光賣匯就125億美元。"],["賴委員士葆：125億美金。"],["楊總裁金龍：對，125億美金。"],["賴委員士葆：折算臺幣大概四千一左右。"],["楊總裁金龍：四千多億。"],["賴委員士葆：就是匯出去了。"],["楊總裁金龍：對，匯出去，這個四千億大部分都是它匯出去的。"],["賴委員士葆：現在等於net，有匯進、匯出，net就是四千億差不多？"],["楊總裁金龍：我說的是第1季，第2季以後的話，它還是有再匯出去的。"],["賴委員士葆：所以你現在看到的是匯出去的多？"],["楊總裁金龍：對，匯出去的，這個就是我在講的啊，它是停利嘛。"],["賴委員士葆：就是股市不好啊！我們來看，現在通膨已經2.6%了，你在這裡講了好幾次，2%是你能夠忍受的。"],["楊總裁金龍：對。"],["賴委員士葆：現在2.6%了，怎麼辦？有沒有對策？"],["楊總裁金龍：但是我的報告也有講得很清楚，事實上，這一個月份的2.6%，在上次的報告裡面我們也講得很清楚，在上季的時候，我們就說我們是估測第2季，這個2.6%就包括進去了，就6月的時候，我們估計第2季是2.10%，第2季就是4月、5月、6月平均，那時候我們也有考慮到6月份會比較高，所以那時候預估4月、5月、6月平均起來是2.10%……"],["賴委員士葆：今年的CPI大概多少？"],["楊總裁金龍：然後這一次第二季是多少？實際是2.17%，所以我們只有低估了0.07%而已，也不高，這個就是在我們……"],["賴委員士葆：你回答我，今年整年度的CPI你預估多少？"],["楊總裁金龍：假設把它放進去了以後，就是包括6月份的那部分，第三季跟第四季維持在6月份的估計，這樣的話，現在預估是1.93%。"],["賴委員士葆：GDP成長多少？"],["楊總裁金龍：我們的GDP是9.45%。"],["賴委員士葆：9.45%？"],["楊總裁金龍：9.45%。"],["賴委員士葆：主計總處估的可能會超過10%。"],["楊總裁金龍：沒有，它是9.64%。不過我跟委員報告，像這種估計一定會再revise，一定會再修正的。"],["賴委員士葆：總裁，我時間到了，我覺得你最近的回答很會「黑龍踅桌」，答案就在那裡，你不講答案，然後鋪陳很多，最後答案講很小聲，鋪陳講很大聲，你最近都這樣你知道嗎？"],["楊總裁金龍：謝謝，我還是喜歡來這裡跟委員請安。"],["賴委員士葆：是啦，第一個你要多來，而且要straightforward，直接、簡單、有力，簡單粗暴才對，都在那邊講半天。"],["楊總裁金龍：我很平順，因為我……"],["賴委員士葆：最後我有一個很重要、很重要的問題，新青安現在加一個年紀排富。你說原來的信用管制到第七波就沒有了，可是透過新青安，就等於信用管制2.0。所以你有在信用管制，不是沒有！"],["楊總裁金龍：謝謝，謝謝啦！"],["賴委員士葆：對吧？我這樣講對吧？"],["楊總裁金龍：謝謝。"],["賴委員士葆：你同不同意？"],["楊總裁金龍：我沒有comment。"],["賴委員士葆：怎麼沒有comment！你上一次講新青安……"],["楊總裁金龍：謝謝，我沒有評論。"],["賴委員士葆：上一次你講信用管制stop here耶！"],["楊總裁金龍：新青安，財政部是主政單位，謝謝。"],["賴委員士葆：所以你都同意？這等於是另類的信用管制，怎麼沒有？所以你留一手。最後一句話，我感謝主席排你來……"],["楊總裁金龍：謝謝。"],["賴委員士葆：因為好久沒有看到你！大家miss you啊！"],["楊總裁金龍：我也喜歡來這裡向委員請安。"],["賴委員士葆：就算來，也不需要「黑龍踅桌」轉半天，答案要趕快給我們，大家等半天等不到！"],["主席：謝謝，我們結束賴士葆委員的質詢。","接下來請李坤城委員。"]],"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":[]}