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朝這方向去走我們過來是第三季啦 九月份啦那接下來第四季呢第四季也一樣的 就是說我們是一季一季檢討嘛三個月的觀察期我知道 那接下來是不是都是這樣"},{"start":261.288,"end":276.165,"text":"還是看股市的狀況你會再做調整對 我們會密切的注意它要做怎麼樣的一個調整所以你不要說你沒有政策工具其實你是有政策工具的有有有好 謝謝總裁那剛才"},{"start":278.287,"end":290.818,"text":"剛才賴秀文說你都順順的其實你有你的性格跟風格包括那個之前我們說彭總才有他的風格在其實你是有的我把你評為說你是Mr."},{"start":290.818,"end":294.201,"text":"Surprise其實你是有你個人風格的"},{"start":296.283,"end":315.217,"text":"當然新的美國聯準會主席他也非常有風格Kevin Walsh他也非常有風格包括他在取消前瞻性的指引這件事情這個對全球未來市場的估計跟變化就會非常的大總裁你同意我的說法嗎他取消前瞻性你怎麼看待這件事情"},{"start":316.969,"end":343.332,"text":"我想就是說一個工具的使用它有它的背景我就說像說 現在你簡短回答因為我其實 我有很多問題想要請問我的意思是說在本能基它用這個點陣圖的時候是有它的一個背景但是到目前的時候呢 我要許說現在可能可以不必要這些點陣圖了"},{"start":344.733,"end":347.916,"text":"但是他的這個利率的點證圖預測對我們來說就有影響啊對對對 但是問題在這裡就是說因為到目前為止呢因為你的點證圖會讓人家覺得那個Fed他的一個態度就是這樣子而且會"},{"start":365.473,"end":374.801,"text":"所以你是支持他基本上我是支持的你是支持好那你支持這個就尊重因為這是他的決定嘛美國聯準會的決定但是相對的就是說"},{"start":378.729,"end":395.622,"text":"WASH它主導的這個芒飛的時代我們過去我們央行都是以平滑匯率的管理方法論來去做我們匯率調整因為我們跟美國的匯率對台灣的進出口影響其實都非常的大所以面對這樣子的WASH的新的政策"},{"start":396.403,"end":401.591,"text":"的方式我們央行在大政策下有什麼樣的調整我跟委員報告事實上FED的點陣圖往往會跟市場的預期有些時候會不一樣"},{"start":412.967,"end":431.741,"text":"那如果說是在這種情況之下呢你是指往往還是大多數還是通常都不一樣我說最近你是指最近因為最近市場最近因為不只是就是說過最近這一兩年來其實是國際情勢的變化那但是大方向上它"},{"start":432.321,"end":443.496,"text":"如果沒有最近這個美伊的戰爭油價的變化其實它是一個很重要的指標我非常同意那個委員的意思對 所以它的指標還是重要的是所以我在想說這分兩塊來講國際的特殊狀況對"},{"start":449.744,"end":451.244,"text":"我們應該有一個因應的方式但是依照過去我們央行對匯率政策的調整美國的聯準會的方向確實是對我們一個很重要的參考我這個我同意啦我非常同意"},{"start":468.49,"end":473.512,"text":"對事實上委員您的分析是正確的只有說現在變成一個非常uncertainty的情況之下而且它的經濟情況已經到達所以你輪轉會的因應我們央行的因應是什麼這是我第一個問題我直接把我的問題都用完這是我第一個問題"},{"start":490.319,"end":517.178,"text":"面對WashTown這樣子 芒飛時代的這個他拿掉前瞻點我們的新的因應政策是無論是對於國際快速的變化或過去一般的變化我們的調整是這是我第一個問題我有兩個問題那第二個問題就是說像這兩天這個美伊的戰爭那個停火協議又馬上又拿掉了所以匯率高高低低那假設兩岸的局勢的變化國際情勢的變化"},{"start":519.78,"end":540.401,"text":"我們有沒有一個外匯流動的警戒值我們的壓力到底在哪裡我們警戒值的警戒值到底在哪裡我們有沒有這樣的一個警戒值 央行的介入我非常想知道另外對於上半年你看一下子匯率"},{"start":543.083,"end":551.627,"text":"變化那麼大那當然最近看起來又回到32但是對於我們的出口商每個月要付錢又要訂單那個真的是每天都是膽戰心驚所以對於32塊對他是有利啊就是說"},{"start":557.757,"end":565.884,"text":"妳可以回答我說現在已經回到平穩但是對於出口商 供給機械來說每個月訂單原料它其實都是膽戰心驚因為我這一批訂單的時候我能不能賺錢我都不知道過去可以賺錢同樣的數目是可以賺錢的訂單一樣多的數量可能但是這個月卻不一定可以賺錢所以面對匯率的國際情勢的大變化不可控的因素"},{"start":583.639,"end":601.434,"text":"我們怎麼樣我們有沒有一個協助有沒有一個什麼樣協助或幫忙這些匯率變化包括我們的工具機我們的最重要的全產業最近有一句話除了AI之外其他所有產業都是BI所以總裁這幾個問題你可不可以具體回應第三個問題我先回答你就說像這種匯率"},{"start":607.079,"end":624.204,"text":"包括我們有沒有機會像我們在疫情期間我們有一個定向融通的專案貸款機制啦這些我覺得是可以幫忙的所以我剛才講除了AI之外現在其他產業都是BI所以我覺得這個是可以思考的"},{"start":625.524,"end":636.49,"text":"我說啦就是說匯率穩定對我們出口商是非常有利的啦那基本上你要看看新台幣匯率他是跟其他主要貨幣來講我們這個報告都有講啊我們都比韓元日元那個美元我還是希望你直接回應我"},{"start":645.214,"end":647.417,"text":"我們在第二季沒有提高利率第一個我們也是考慮到就傳統產業對不對所以我們就說偏緊"},{"start":662.055,"end":666.5,"text":"整體國際市場的變化對於這些傳產業機械工具已經是受傷你有沒有去思考過所以我才剛才提到說我覺得我問剛剛幾位委員提到的無論是房市的問題城鄉的差距各縣市的變化"},{"start":682.998,"end":701.937,"text":"我覺得總裁都應該多去走動走動了解真正市場上的需求我們傳產業也是過去我們台灣靠這些傳產中小企業撐起來但是如果在這一波我們沒有對中小企業的貸款專案我們沒有一個定向融通的機制或專案的機制我覺得"},{"start":703.338,"end":716.655,"text":"台灣看起來我們的經濟產業很好什麼經濟成長到9%其實很多產業其實都苦苦愛好所以我才會提出我們疫情期間事實上我們有定向融通有一個特別的綠綠來幫助這些傳產業我覺得應該去做這樣的思考"},{"start":722.403,"end":727.049,"text":"謝謝 謝謝委員的建議不過我也跟委員報告事實上經濟部據我了解他對中小微的企業融資的問題他們也都有在協助"},{"start":739.524,"end":764.078,"text":"包括你看主力總書才最近不是也推出了一個八年一千億有沒有中小企業的那個好謝謝總裁其實我覺得面對局勢我最後一句話面對整理局勢的變化還有新的美國人總會主席上任我覺得我們未來應該建立一套新的精準貨幣政策工具我覺得應該去思考朝這樣子的方向去做調整會好謝謝總裁謝謝"},{"start":768.449,"end":768.812,"text":"謝謝燕秀委員"}],"gazette":[{"speaker":"李委員彥秀","start":"2026-07-09T10:44:20.510000+08:00","guessed":false,"end":"2026-07-09T10:44:20.690000+08:00","text":"謝謝主席。","quality":1},{"speaker":"李委員彥秀","start":"2026-07-09T10:44:20.870000+08:00","guessed":false,"end":"2026-07-09T10:44:21.872000+08:00","text":"我可不可以請總裁？","quality":1},{"speaker":"主席","start":"2026-07-09T10:44:23.255000+08:00","guessed":false,"end":"2026-07-09T10:44:24.677000+08:00","text":"總裁喝口水，辛苦了。","quality":1},{"speaker":"李委員彥秀","start":"2026-07-09T10:44:24.777000+08:00","guessed":false,"end":"2026-07-09T10:44:25.018000+08:00","text":"慢慢來，沒關係。","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:44:25.018000+08:00","guessed":true,"end":"2026-07-09T10:44:29.775500+08:00","text":"李召委早。","quality":0},{"speaker":"李委員彥秀","start":"2026-07-09T10:44:29.775500+08:00","guessed":true,"end":"2026-07-09T10:44:34.533000+08:00","text":"總裁早安。","quality":0},{"speaker":"李委員彥秀","start":"2026-07-09T10:44:34.533000+08:00","guessed":false,"end":"2026-07-09T10:45:04.815000+08:00","text":"6月18日央行理監事會最後決定整個利率調整維持不變，但是我要跟總裁討論一下，我也看到報導，我們最近的CPI連續已經高於2%，雖然整體大環境，我覺得整體物價控制得不錯，油價看起來好像最近都已經回檔，但是我們都知道很多物品有它的僵固性，一漲之後就已經回不來了，包括房租、外食。","quality":0.967},{"speaker":"李委員彥秀","start":"2026-07-09T10:45:04.936000+08:00","guessed":false,"end":"2026-07-09T10:45:13.741000+08:00","text":"我最近有很多國外的朋友回來，說現在在外面吃東西，感受上比過去價格高了很多。","quality":0.971},{"speaker":"李委員彥秀","start":"2026-07-09T10:45:14.842000+08:00","guessed":false,"end":"2026-07-09T10:45:20.046000+08:00","text":"所以我要跟總裁討論，我們的政策工具，你覺得到底足不足夠？","quality":1},{"speaker":"李委員彥秀","start":"2026-07-09T10:45:21.854000+08:00","guessed":false,"end":"2026-07-09T10:45:24.535000+08:00","text":"你手邊的政策工具到底足不足夠？","quality":0.857},{"speaker":"楊總裁金龍","start":"2026-07-09T10:45:24.535000+08:00","guessed":false,"end":"2026-07-09T10:45:29.357000+08:00","text":"我們的政策工具是足夠的。","quality":0.818},{"speaker":"李委員彥秀","start":"2026-07-09T10:45:29.357000+08:00","guessed":true,"end":"2026-07-09T10:45:30.357000+08:00","text":"你認為是足夠的？","quality":0.143},{"speaker":"楊總裁金龍","start":"2026-07-09T10:45:30.277000+08:00","guessed":false,"end":"2026-07-09T10:45:47.448000+08:00","text":"剛剛我也講了，如果通膨主要來源是因為供給面，包括油價，還有進口的物……","quality":1},{"speaker":"李委員彥秀","start":"2026-07-09T10:45:47.569000+08:00","guessed":false,"end":"2026-07-09T10:45:53.377000+08:00","text":"所以不用去管現在的物價，外食族、房租的漲幅越來越高？","quality":1},{"speaker":"李委員彥秀","start":"2026-07-09T10:45:53.397000+08:00","guessed":false,"end":"2026-07-09T10:45:54.018000+08:00","text":"你覺得不用管，就讓它自由去發展？","quality":0.929},{"speaker":"楊總裁金龍","start":"2026-07-09T10:46:00.553000+08:00","guessed":false,"end":"2026-07-09T10:46:01.794000+08:00","text":"當然它也會漲啦！","quality":0.857},{"speaker":"楊總裁金龍","start":"2026-07-09T10:46:01.794000+08:00","guessed":true,"end":"2026-07-09T10:46:02.794000+08:00","text":"我跟委員……","quality":0},{"speaker":"李委員彥秀","start":"2026-07-09T10:46:01.794000+08:00","guessed":false,"end":"2026-07-09T10:46:12.478000+08:00","text":"因為跟著國際情勢的變化，油價的浮動，前一陣子漲上去，現在好像油價回落了，但是很多東西一漲上去就回不來了，你很清楚嘛。是啦！","quality":0.944},{"speaker":"楊總裁金龍","start":"2026-07-09T10:46:12.698000+08:00","guessed":false,"end":"2026-07-09T10:46:21.923000+08:00","text":"一般是這樣啦，但是我們在project明年的時候，也都會考慮這一點。","quality":0.968},{"speaker":"李委員彥秀","start":"2026-07-09T10:46:22.564000+08:00","guessed":false,"end":"2026-07-09T10:46:30.494000+08:00","text":"所以總裁的意思是告訴我，未來你們會考量，你們也會有政策跟工具，把這個也納入考量去調整？","quality":0.974},{"speaker":"楊總裁金龍","start":"2026-07-09T10:46:30.654000+08:00","guessed":false,"end":"2026-07-09T10:46:32.297000+08:00","text":"是、是，那當然。","quality":1},{"speaker":"李委員彥秀","start":"2026-07-09T10:46:32.657000+08:00","guessed":false,"end":"2026-07-09T10:46:51.590000+08:00","text":"好，謝謝總裁的回應，我覺得整體無論是打房，就是央行對於整體國家的貨幣政策也好，或者是整體信用或流動性的貨幣，你們是一個最終管制的機關，所以你的工具、政策非常重要。","quality":0.959},{"speaker":"李委員彥秀","start":"2026-07-09T10:46:52.251000+08:00","guessed":false,"end":"2026-07-09T10:47:07.477000+08:00","text":"剛才我聽到你回應其他幾個委員，房市過熱，你可以有信用管制來打房，股市過熱反而我剛剛聽到的是不會啦、金管會可以管啦，他有很多教育宣導，讓大家不要一直全部都投下去。","quality":0.945},{"speaker":"李委員彥秀","start":"2026-07-09T10:47:08.118000+08:00","guessed":false,"end":"2026-07-09T10:47:20.305000+08:00","text":"但是我要提醒總裁，相對的，央行是整體信用跟流動性的最終管制機關，其實我們政策工具還是有的，為什麼我這麼說？","quality":1},{"speaker":"李委員彥秀","start":"2026-07-09T10:47:21.206000+08:00","guessed":false,"end":"2026-07-09T10:47:31.280000+08:00","text":"我們在6月3日，央行標售了364天的定存單，標售1,400億，在今年6月3日，其實非常奇怪，還有賸餘103億元反而流標。對。","quality":0.854},{"speaker":"李委員彥秀","start":"2026-07-09T10:47:34.544000+08:00","guessed":false,"end":"2026-07-09T10:47:59.217000+08:00","text":"這個過去比較不常看到的，特別是6月25日，你們的新聞稿當中，我也看到，在7月、8月、9月這一次一年的364天定期存單，反而減發到1,200億元，您對外說明這是短期的技術因素，這是不是也代表著央行在貨幣政策偏向緊縮？對。","quality":0.894},{"speaker":"李委員彥秀","start":"2026-07-09T10:47:59.217000+08:00","guessed":true,"end":"2026-07-09T10:48:03+08:00","text":"是這樣嗎？","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:48:03+08:00","guessed":false,"end":"2026-07-09T10:48:07.183000+08:00","text":"對，我們是偏向緊縮，但是我們也要因應……","quality":0.938},{"speaker":"李委員彥秀","start":"2026-07-09T10:48:08.424000+08:00","guessed":false,"end":"2026-07-09T10:48:12.047000+08:00","text":"你不放那麼多錢到市場上去，也管制嘛！對。","quality":0.882},{"speaker":"李委員彥秀","start":"2026-07-09T10:48:12.247000+08:00","guessed":false,"end":"2026-07-09T10:48:16.150000+08:00","text":"所以我剛剛說的，其實你有政策工具，你還是有嘛。是。","quality":0.857},{"speaker":"李委員彥秀","start":"2026-07-09T10:48:16.951000+08:00","guessed":false,"end":"2026-07-09T10:48:25.657000+08:00","text":"我想請教總裁，今年第4季你是不是也會持續貨幣政策緊縮，朝這方向走？","quality":0.793},{"speaker":"楊總裁金龍","start":"2026-07-09T10:48:27.178000+08:00","guessed":false,"end":"2026-07-09T10:48:28.980000+08:00","text":"過來是第3季，9月份。","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:48:28.980000+08:00","guessed":true,"end":"2026-07-09T10:48:29.980000+08:00","text":"9月份的話……","quality":0},{"speaker":"李委員彥秀","start":"2026-07-09T10:48:29.660000+08:00","guessed":false,"end":"2026-07-09T10:48:30.280000+08:00","text":"接下來第4季呢？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:48:30.401000+08:00","guessed":false,"end":"2026-07-09T10:48:31.041000+08:00","text":"第4季也一樣的，我們是一季、一季檢討，三個月的觀察期……","quality":1},{"speaker":"李委員彥秀","start":"2026-07-09T10:48:31.061000+08:00","guessed":false,"end":"2026-07-09T10:48:31.601000+08:00","text":"我知道，接下來是不是都是這樣？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:48:31.601000+08:00","guessed":true,"end":"2026-07-09T10:48:41.288000+08:00","text":"對，所以我……","quality":0},{"speaker":"李委員彥秀","start":"2026-07-09T10:48:41.288000+08:00","guessed":false,"end":"2026-07-09T10:48:43.791000+08:00","text":"還是看股市的狀況，你會再做調整？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:48:44.452000+08:00","guessed":false,"end":"2026-07-09T10:48:49.297000+08:00","text":"對，我們會密切注意它，再做怎麼樣的調整。","quality":0.941},{"speaker":"李委員彥秀","start":"2026-07-09T10:48:50.138000+08:00","guessed":false,"end":"2026-07-09T10:48:53.983000+08:00","text":"好，謝謝總裁，所以你不要說你沒有政策工具，你是有政策工具的嘛！有。","quality":0.786},{"speaker":"李委員彥秀","start":"2026-07-09T10:48:54.483000+08:00","guessed":false,"end":"2026-07-09T10:49:30.274000+08:00","text":"好，謝謝總裁，剛才賴士葆委員說你都順順的，其實你有你的性格跟風格，包括之前我們說彭總裁有他的風格在，其實你是有的，我把你評為你是Mr. Surprise，其實你是有你個人風格的，當然新的美國聯準會主席也非常有風格，Kevin Warsh也非常有風格，包括他取消前瞻性的指引這件事情，這對於全球未來市場的估計跟變化就會非常的大。","quality":0.953},{"speaker":"李委員彥秀","start":"2026-07-09T10:49:31.054000+08:00","guessed":false,"end":"2026-07-09T10:49:32.715000+08:00","text":"總裁，你同意我的說法嗎？對、對。","quality":0.833},{"speaker":"李委員彥秀","start":"2026-07-09T10:49:34.557000+08:00","guessed":false,"end":"2026-07-09T10:49:35.197000+08:00","text":"你怎麼看待這件事情？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:49:36.969000+08:00","guessed":false,"end":"2026-07-09T10:49:48.399000+08:00","text":"我想一個工具的使用有它的背景，我就說像是……","quality":0.947},{"speaker":"李委員彥秀","start":"2026-07-09T10:49:48.659000+08:00","guessed":false,"end":"2026-07-09T10:49:51.382000+08:00","text":"總裁，你簡短回答，因為其實我有很多問題想要請問。","quality":0.905},{"speaker":"楊總裁金龍","start":"2026-07-09T10:49:51.382000+08:00","guessed":false,"end":"2026-07-09T10:50:03.312000+08:00","text":"我的意思是說，Bernanke用點陣圖有他的背景，但是到目前，Warsh說現在可能可以不必要這些點陣圖了，那我覺得……","quality":0.642},{"speaker":"李委員彥秀","start":"2026-07-09T10:50:04.733000+08:00","guessed":false,"end":"2026-07-09T10:50:05.514000+08:00","text":"但是他的這個利率點陣圖預測，對我們來說就是有影響啊！","quality":0.917},{"speaker":"楊總裁金龍","start":"2026-07-09T10:50:05.574000+08:00","guessed":false,"end":"2026-07-09T10:50:07.916000+08:00","text":"對、對，但是問題在這裡，就是到目前為止，因為點陣圖會讓人家覺得Fed的態度就是這樣子，而且會很長的一段時間……","quality":0.833},{"speaker":"李委員彥秀","start":"2026-07-09T10:50:25.473000+08:00","guessed":false,"end":"2026-07-09T10:50:26.334000+08:00","text":"所以你是支持他？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:50:28.416000+08:00","guessed":false,"end":"2026-07-09T10:50:29.497000+08:00","text":"基本上，我是支持的。","quality":1},{"speaker":"李委員彥秀","start":"2026-07-09T10:50:29.797000+08:00","guessed":false,"end":"2026-07-09T10:50:51.619000+08:00","text":"你是支持的，好，你支持我尊重，因為這是美國聯準會的決定，但相對的，Warsh主導的這個盲飛時代，過去央行是以平滑匯率的管理方法論來做我們的匯率調整，因為我們跟美國的匯率，對臺灣的進出口影響其實非常大……對。","quality":0.902},{"speaker":"李委員彥秀","start":"2026-07-09T10:50:52.440000+08:00","guessed":false,"end":"2026-07-09T10:50:59.788000+08:00","text":"所以面對Warsh這樣新的政策方式，央行的大政策會做什麼樣的調整？","quality":0.742},{"speaker":"楊總裁金龍","start":"2026-07-09T10:50:59.948000+08:00","guessed":false,"end":"2026-07-09T10:51:14.828000+08:00","text":"跟委員報告，事實上，Fed的點陣圖，有些時候往往會跟市場的預期不一樣，如果是在這種情況之下……","quality":0.854},{"speaker":"李委員彥秀","start":"2026-07-09T10:51:15.209000+08:00","guessed":false,"end":"2026-07-09T10:51:18.071000+08:00","text":"你指的往往，是大多數，還是通常都會不一樣？","quality":0.889},{"speaker":"楊總裁金龍","start":"2026-07-09T10:51:18.071000+08:00","guessed":false,"end":"2026-07-09T10:51:19.072000+08:00","text":"我說最近……","quality":1},{"speaker":"李委員彥秀","start":"2026-07-09T10:51:19.892000+08:00","guessed":false,"end":"2026-07-09T10:51:20.513000+08:00","text":"你是指最近？","quality":1},{"speaker":"李委員彥秀","start":"2026-07-09T10:51:20.673000+08:00","guessed":false,"end":"2026-07-09T10:51:21.373000+08:00","text":"因為最近……","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T10:51:21.373000+08:00","guessed":true,"end":"2026-07-09T10:51:22.373000+08:00","text":"特別是……","quality":0},{"speaker":"李委員彥秀","start":"2026-07-09T10:51:22.014000+08:00","guessed":false,"end":"2026-07-09T10:51:28.799000+08:00","text":"最近市場……最近這一、兩年來，國際情勢的變化……對、對。","quality":0.8},{"speaker":"李委員彥秀","start":"2026-07-09T10:51:29.979000+08:00","guessed":false,"end":"2026-07-09T10:51:39.030000+08:00","text":"但是大方向上，如果沒有最近的美伊戰爭、油價變化，其實他是一個很重要的指標。","quality":0.939},{"speaker":"楊總裁金龍","start":"2026-07-09T10:51:39.030000+08:00","guessed":false,"end":"2026-07-09T10:51:41.093000+08:00","text":"我非常同意委員的話……","quality":0.889},{"speaker":"李委員彥秀","start":"2026-07-09T10:51:41.473000+08:00","guessed":false,"end":"2026-07-09T10:51:42.354000+08:00","text":"對，所以他的指標還是重要的呀！是、是。","quality":0.8},{"speaker":"李委員彥秀","start":"2026-07-09T10:51:42.374000+08:00","guessed":false,"end":"2026-07-09T10:51:50.844000+08:00","text":"所以我才說這分兩塊來講，國際的特殊狀況，我們應該有個因應方式，但是依照過去央行對匯率政策的調整，美國聯準會的方向，確實前瞻指引對我們是一個很重要的參考。","quality":0.914},{"speaker":"楊總裁金龍","start":"2026-07-09T10:51:50.944000+08:00","guessed":false,"end":"2026-07-09T10:51:51.224000+08:00","text":"對，這個我同意，我非常同意。","quality":0.909},{"speaker":"楊總裁金龍","start":"2026-07-09T10:52:08.490000+08:00","guessed":false,"end":"2026-07-09T10:52:10.771000+08:00","text":"事實上，委員的分析是正確的，只是說現在變成是一個非常uncertainty的情況之下，而且他的經濟情況已經到達……","quality":0.942},{"speaker":"李委員彥秀","start":"2026-07-09T10:52:10.771000+08:00","guessed":false,"end":"2026-07-09T10:52:12.152000+08:00","text":"所以針對聯準會，我們央行的因應是什麼？","quality":0.765},{"speaker":"李委員彥秀","start":"2026-07-09T10:52:12.152000+08:00","guessed":false,"end":"2026-07-09T10:52:12.872000+08:00","text":"這是我的第一個問題，我直接把我的問題都問完。","quality":0.9},{"speaker":"李委員彥秀","start":"2026-07-09T10:52:30.319000+08:00","guessed":false,"end":"2026-07-09T10:52:36.463000+08:00","text":"面對Warsh這樣的盲飛時代，他拿掉了前瞻指引，那我們新的因應政策是什麼？","quality":0.735},{"speaker":"李委員彥秀","start":"2026-07-09T10:52:36.864000+08:00","guessed":false,"end":"2026-07-09T10:52:41.987000+08:00","text":"無論是對於國際快速的變化或過去的一般性變化，我們的調整是什麼？","quality":0.862},{"speaker":"李委員彥秀","start":"2026-07-09T10:52:42.007000+08:00","guessed":false,"end":"2026-07-09T10:52:43.208000+08:00","text":"這是我第一個問題。","quality":1},{"speaker":"李委員彥秀","start":"2026-07-09T10:52:43.208000+08:00","guessed":false,"end":"2026-07-09T10:53:02.763000+08:00","text":"我有兩個問題，第二個問題，這兩天美伊戰爭的停火協議馬上又拿掉了，所以匯率高高低低，針對兩岸局勢的變化、國際情勢的變化，我們有沒有一個外匯流動的警戒值？","quality":0.956},{"speaker":"李委員彥秀","start":"2026-07-09T10:53:06.026000+08:00","guessed":false,"end":"2026-07-09T10:53:08.309000+08:00","text":"我們的壓力到底在哪裡？","quality":1},{"speaker":"李委員彥秀","start":"2026-07-09T10:53:08.769000+08:00","guessed":false,"end":"2026-07-09T10:53:11.652000+08:00","text":"那個警戒值的值到底在哪裡？","quality":0.833},{"speaker":"李委員彥秀","start":"2026-07-09T10:53:11.772000+08:00","guessed":false,"end":"2026-07-09T10:53:17.438000+08:00","text":"有關央行的介入，我非常想知道。","quality":0.923},{"speaker":"李委員彥秀","start":"2026-07-09T10:53:17.658000+08:00","guessed":false,"end":"2026-07-09T10:53:31.227000+08:00","text":"另外，對於上半年，你看一下子匯率變化那麼大，當然，最近看起來又回到32，但是對於出口商，他們每個月要付錢、要訂單，真的每天都膽顫心驚……","quality":0.946},{"speaker":"楊總裁金龍","start":"2026-07-09T10:53:31.307000+08:00","guessed":false,"end":"2026-07-09T10:53:31.427000+08:00","text":"32塊對他是有利的。","quality":0.857},{"speaker":"李委員彥秀","start":"2026-07-09T10:53:38.117000+08:00","guessed":false,"end":"2026-07-09T10:54:12.927000+08:00","text":"對、對，你可以回答我說現在已經回到平穩，但是對於工具機、機械業出口商來說，針對每個月的訂單、原料，其實他們都是膽顫心驚，因為這一批訂單收了能不能賺錢都不知道，過去同樣的訂單數目是可以賺錢，但這個月卻不一定可以賺錢，所以面對國際情勢大變化、不可控的因素，我們有沒有方法協助或幫助他們因應匯率的變化，包括我們最重要的傳產業、工具機業等？","quality":0.78},{"speaker":"李委員彥秀","start":"2026-07-09T10:54:12.927000+08:00","guessed":false,"end":"2026-07-09T10:54:20.513000+08:00","text":"最近常聽到一句話，就是除了AI之外，其他所有產業都是BI（悲哀），針對這幾個問題，總裁可不可以具體回應？","quality":0.756},{"speaker":"李委員彥秀","start":"2026-07-09T10:54:20.513000+08:00","guessed":true,"end":"2026-07-09T10:54:21.513000+08:00","text":"我剩下時間不多。","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:54:20.513000+08:00","guessed":false,"end":"2026-07-09T10:54:21.414000+08:00","text":"好，我先回答第三個問題，像這種匯率……","quality":0.667},{"speaker":"李委員彥秀","start":"2026-07-09T10:54:27.079000+08:00","guessed":false,"end":"2026-07-09T10:54:35.201000+08:00","text":"包括我們有沒有機會像在疫情期間，有一個定向融通的專案貸款機制？","quality":1},{"speaker":"李委員彥秀","start":"2026-07-09T10:54:35.841000+08:00","guessed":false,"end":"2026-07-09T10:54:44.184000+08:00","text":"這些我覺得是可以幫忙的，因為就像我剛才說的，除了AI之外，現在其他產業都是BI（悲哀），我覺得這部分是可以思考的。","quality":0.8},{"speaker":"楊總裁金龍","start":"2026-07-09T10:54:47.245000+08:00","guessed":false,"end":"2026-07-09T10:54:55.869000+08:00","text":"對，匯率穩定對我們的出口商非常有利，基本上，新臺幣匯率跟其他主要貨幣的比較，這個我們報告裡都有講，我們比韓圜、日圓、美元，還有那個什麼……","quality":0.627},{"speaker":"李委員彥秀","start":"2026-07-09T10:54:56.090000+08:00","guessed":false,"end":"2026-07-09T10:54:56.470000+08:00","text":"總裁，我還是希望你直接回應我，就是對於傳產的機械、工具業這些……對啊！對啊！","quality":0.355},{"speaker":"楊總裁金龍","start":"2026-07-09T10:54:56.470000+08:00","guessed":true,"end":"2026-07-09T10:55:00.842000+08:00","text":"匯率就穩定啊！","quality":0},{"speaker":"李委員彥秀","start":"2026-07-09T10:55:00.842000+08:00","guessed":true,"end":"2026-07-09T10:55:05.214000+08:00","text":"單一利率……其實K型經濟加單一利率……","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:55:05.214000+08:00","guessed":false,"end":"2026-07-09T10:55:07.197000+08:00","text":"第二個問題，有關利率部分，我們在第二季也沒有提高利率，就是考慮到傳統產業，對不對？","quality":0.639},{"speaker":"楊總裁金龍","start":"2026-07-09T10:55:07.197000+08:00","guessed":false,"end":"2026-07-09T10:55:07.417000+08:00","text":"所以我們就說偏緊、偏緊，但是……","quality":0.667},{"speaker":"李委員彥秀","start":"2026-07-09T10:55:07.417000+08:00","guessed":true,"end":"2026-07-09T10:55:14.736000+08:00","text":"你沒有提高，但是……","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:55:14.736000+08:00","guessed":true,"end":"2026-07-09T10:55:22.055000+08:00","text":"沒有，我沒有提高啊！","quality":0},{"speaker":"李委員彥秀","start":"2026-07-09T10:55:22.055000+08:00","guessed":false,"end":"2026-07-09T10:55:24.638000+08:00","text":"整體市場的變化，整體國際市場的變化，對於這些傳產業的機械、工具機業，其實已經是受傷，你有沒有去思考過？","quality":0.733},{"speaker":"李委員彥秀","start":"2026-07-09T10:55:24.638000+08:00","guessed":false,"end":"2026-07-09T10:55:49.264000+08:00","text":"所以我剛才提到說，剛剛幾位委員提到的問題，無論是房市問題、城鄉差距、各縣市的變化等，我覺得總裁都應該多去走動走動，了解真正市場上的需求……會、會。","quality":0.921},{"speaker":"李委員彥秀","start":"2026-07-09T10:55:51.266000+08:00","guessed":false,"end":"2026-07-09T10:56:16.635000+08:00","text":"過去我們臺灣是靠這些傳產的中小企業撐起來的，如果這一波我們沒有對中小企業有貸款專案，也沒有一個定向融通的機制或專案機制，雖然臺灣看起來晶片產業很好，經濟成長率到9%，但其實有很多產業都是苦苦哀號，所以我才會提出我們在疫情期間，事實上是有定向融通、特別的利率來幫助這些傳產業，這部分我覺得你們應該去思考看看。","quality":0.817},{"speaker":"楊總裁金龍","start":"2026-07-09T10:56:22.403000+08:00","guessed":false,"end":"2026-07-09T10:56:22.763000+08:00","text":"是、是，謝謝委員的建議，不過……","quality":0.636},{"speaker":"李委員彥秀","start":"2026-07-09T10:56:22.763000+08:00","guessed":true,"end":"2026-07-09T10:56:23.763000+08:00","text":"總裁不要只是「是、是」，你還是要回答我。","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T10:56:22.763000+08:00","guessed":false,"end":"2026-07-09T10:56:46.788000+08:00","text":"不過我也跟委員報告，事實上，據我了解，經濟部對中小微企業的融資問題都有在協助，包括主計總處最近也推出一個8年1,000億中小微企業的協助……","quality":0.831},{"speaker":"李委員彥秀","start":"2026-07-09T10:56:49.150000+08:00","guessed":false,"end":"2026-07-09T10:56:49.810000+08:00","text":"好，謝謝總裁。","quality":1},{"speaker":"李委員彥秀","start":"2026-07-09T10:56:51.271000+08:00","guessed":false,"end":"2026-07-09T10:57:03.938000+08:00","text":"我最後一句話，面對整體局勢的變化，還有美國聯準會新主席的上任，我覺得我們未來應該建立一套新的精準貨幣政策工具，應該思考朝這樣的方向去調整。","quality":0.922},{"speaker":"楊總裁金龍","start":"2026-07-09T10:57:03.938000+08:00","guessed":true,"end":"2026-07-09T10:57:04.938000+08:00","text":"好，我們會。","quality":0.25},{"speaker":"李委員彥秀","start":"2026-07-09T10:57:04.038000+08:00","guessed":false,"end":"2026-07-09T10:57:04.078000+08:00","text":"好，謝謝總裁。謝謝。","quality":1},{"speaker":"主席","start":"2026-07-09T10:57:08.449000+08:00","guessed":false,"end":"2026-07-09T10:57:08.812000+08:00","text":"謝謝李彥秀委員。","quality":0.714},{"speaker":"主席（李委員彥秀）","start":"2026-07-09T10:57:09.312000+08:00","guessed":true,"end":"2026-07-09T10:57:11.883429+08:00","text":"接下來請陳玉珍委員。","quality":0}]},"gazette":{"lineno":539,"blocks":[["李委員彥秀：（10時44分）謝謝主席。我可不可以請總裁？"],["主席：總裁喝口水，辛苦了。"],["李委員彥秀：慢慢來，沒關係。"],["楊總裁金龍：李召委早。"],["李委員彥秀：總裁早安。6月18日央行理監事會最後決定整個利率調整維持不變，但是我要跟總裁討論一下，我也看到報導，我們最近的CPI連續已經高於2%，雖然整體大環境，我覺得整體物價控制得不錯，油價看起來好像最近都已經回檔，但是我們都知道很多物品有它的僵固性，一漲之後就已經回不來了，包括房租、外食。我最近有很多國外的朋友回來，說現在在外面吃東西，感受上比過去價格高了很多。所以我要跟總裁討論，我們的政策工具，你覺得到底足不足夠？你手邊的政策工具到底足不足夠？"],["楊總裁金龍：我們的政策工具是足夠的。"],["李委員彥秀：你認為是足夠的？"],["楊總裁金龍：剛剛我也講了，如果通膨主要來源是因為供給面，包括油價，還有進口的物……"],["李委員彥秀：所以不用去管現在的物價，外食族、房租的漲幅越來越高？你覺得不用管，就讓它自由去發展？"],["楊總裁金龍：當然它也會漲啦！我跟委員……"],["李委員彥秀：因為跟著國際情勢的變化，油價的浮動，前一陣子漲上去，現在好像油價回落了，但是很多東西一漲上去就回不來了，你很清楚嘛。"],["楊總裁金龍：是啦！一般是這樣啦，但是我們在project明年的時候，也都會考慮這一點。"],["李委員彥秀：所以總裁的意思是告訴我，未來你們會考量，你們也會有政策跟工具，把這個也納入考量去調整？"],["楊總裁金龍：是、是，那當然。"],["李委員彥秀：好，謝謝總裁的回應，我覺得整體無論是打房，就是央行對於整體國家的貨幣政策也好，或者是整體信用或流動性的貨幣，你們是一個最終管制的機關，所以你的工具、政策非常重要。剛才我聽到你回應其他幾個委員，房市過熱，你可以有信用管制來打房，股市過熱反而我剛剛聽到的是不會啦、金管會可以管啦，他有很多教育宣導，讓大家不要一直全部都投下去。但是我要提醒總裁，相對的，央行是整體信用跟流動性的最終管制機關，其實我們政策工具還是有的，為什麼我這麼說？我們在6月3日，央行標售了364天的定存單，標售1,400億，在今年6月3日，其實非常奇怪，還有賸餘103億元反而流標。"],["楊總裁金龍：對。"],["李委員彥秀：這個過去比較不常看到的，特別是6月25日，你們的新聞稿當中，我也看到，在7月、8月、9月這一次一年的364天定期存單，反而減發到1,200億元，您對外說明這是短期的技術因素，這是不是也代表著央行在貨幣政策偏向緊縮？"],["楊總裁金龍：對。"],["李委員彥秀：是這樣嗎？"],["楊總裁金龍：對，我們是偏向緊縮，但是我們也要因應……"],["李委員彥秀：你不放那麼多錢到市場上去，也管制嘛！"],["楊總裁金龍：對。"],["李委員彥秀：所以我剛剛說的，其實你有政策工具，你還是有嘛。"],["楊總裁金龍：是。"],["李委員彥秀：我想請教總裁，今年第4季你是不是也會持續貨幣政策緊縮，朝這方向走？"],["楊總裁金龍：過來是第3季，9月份。9月份的話……"],["李委員彥秀：接下來第4季呢？"],["楊總裁金龍：第4季也一樣的，我們是一季、一季檢討，三個月的觀察期……"],["李委員彥秀：我知道，接下來是不是都是這樣？"],["楊總裁金龍：對，所以我……"],["李委員彥秀：還是看股市的狀況，你會再做調整？"],["楊總裁金龍：對，我們會密切注意它，再做怎麼樣的調整。"],["李委員彥秀：好，謝謝總裁，所以你不要說你沒有政策工具，你是有政策工具的嘛！"],["楊總裁金龍：有。"],["李委員彥秀：好，謝謝總裁，剛才賴士葆委員說你都順順的，其實你有你的性格跟風格，包括之前我們說彭總裁有他的風格在，其實你是有的，我把你評為你是Mr. Surprise，其實你是有你個人風格的，當然新的美國聯準會主席也非常有風格，Kevin Warsh也非常有風格，包括他取消前瞻性的指引這件事情，這對於全球未來市場的估計跟變化就會非常的大。總裁，你同意我的說法嗎？"],["楊總裁金龍：對、對。"],["李委員彥秀：你怎麼看待這件事情？"],["楊總裁金龍：我想一個工具的使用有它的背景，我就說像是……"],["李委員彥秀：總裁，你簡短回答，因為其實我有很多問題想要請問。"],["楊總裁金龍：我的意思是說，Bernanke用點陣圖有他的背景，但是到目前，Warsh說現在可能可以不必要這些點陣圖了，那我覺得……"],["李委員彥秀：但是他的這個利率點陣圖預測，對我們來說就是有影響啊！"],["楊總裁金龍：對、對，但是問題在這裡，就是到目前為止，因為點陣圖會讓人家覺得Fed的態度就是這樣子，而且會很長的一段時間……"],["李委員彥秀：所以你是支持他？"],["楊總裁金龍：基本上，我是支持的。"],["李委員彥秀：你是支持的，好，你支持我尊重，因為這是美國聯準會的決定，但相對的，Warsh主導的這個盲飛時代，過去央行是以平滑匯率的管理方法論來做我們的匯率調整，因為我們跟美國的匯率，對臺灣的進出口影響其實非常大……"],["楊總裁金龍：對。"],["李委員彥秀：所以面對Warsh這樣新的政策方式，央行的大政策會做什麼樣的調整？"],["楊總裁金龍：跟委員報告，事實上，Fed的點陣圖，有些時候往往會跟市場的預期不一樣，如果是在這種情況之下……"],["李委員彥秀：你指的往往，是大多數，還是通常都會不一樣？"],["楊總裁金龍：我說最近……"],["李委員彥秀：你是指最近？因為最近……"],["楊總裁金龍：特別是……"],["李委員彥秀：最近市場……最近這一、兩年來，國際情勢的變化……"],["楊總裁金龍：對、對。"],["李委員彥秀：但是大方向上，如果沒有最近的美伊戰爭、油價變化，其實他是一個很重要的指標。"],["楊總裁金龍：我非常同意委員的話……"],["李委員彥秀：對，所以他的指標還是重要的呀！"],["楊總裁金龍：是、是。"],["李委員彥秀：所以我才說這分兩塊來講，國際的特殊狀況，我們應該有個因應方式，但是依照過去央行對匯率政策的調整，美國聯準會的方向，確實前瞻指引對我們是一個很重要的參考。"],["楊總裁金龍：對，這個我同意，我非常同意。事實上，委員的分析是正確的，只是說現在變成是一個非常uncertainty的情況之下，而且他的經濟情況已經到達……"],["李委員彥秀：所以針對聯準會，我們央行的因應是什麼？這是我的第一個問題，我直接把我的問題都問完。面對Warsh這樣的盲飛時代，他拿掉了前瞻指引，那我們新的因應政策是什麼？無論是對於國際快速的變化或過去的一般性變化，我們的調整是什麼？這是我第一個問題。我有兩個問題，第二個問題，這兩天美伊戰爭的停火協議馬上又拿掉了，所以匯率高高低低，針對兩岸局勢的變化、國際情勢的變化，我們有沒有一個外匯流動的警戒值？我們的壓力到底在哪裡？那個警戒值的值到底在哪裡？有關央行的介入，我非常想知道。另外，對於上半年，你看一下子匯率變化那麼大，當然，最近看起來又回到32，但是對於出口商，他們每個月要付錢、要訂單，真的每天都膽顫心驚……"],["楊總裁金龍：32塊對他是有利的。"],["李委員彥秀：對、對，你可以回答我說現在已經回到平穩，但是對於工具機、機械業出口商來說，針對每個月的訂單、原料，其實他們都是膽顫心驚，因為這一批訂單收了能不能賺錢都不知道，過去同樣的訂單數目是可以賺錢，但這個月卻不一定可以賺錢，所以面對國際情勢大變化、不可控的因素，我們有沒有方法協助或幫助他們因應匯率的變化，包括我們最重要的傳產業、工具機業等？最近常聽到一句話，就是除了AI之外，其他所有產業都是BI（悲哀），針對這幾個問題，總裁可不可以具體回應？我剩下時間不多。"],["楊總裁金龍：好，我先回答第三個問題，像這種匯率……"],["李委員彥秀：包括我們有沒有機會像在疫情期間，有一個定向融通的專案貸款機制？這些我覺得是可以幫忙的，因為就像我剛才說的，除了AI之外，現在其他產業都是BI（悲哀），我覺得這部分是可以思考的。"],["楊總裁金龍：對，匯率穩定對我們的出口商非常有利，基本上，新臺幣匯率跟其他主要貨幣的比較，這個我們報告裡都有講，我們比韓圜、日圓、美元，還有那個什麼……"],["李委員彥秀：總裁，我還是希望你直接回應我，就是對於傳產的機械、工具業這些……"],["楊總裁金龍：對啊！對啊！匯率就穩定啊！"],["李委員彥秀：單一利率……其實K型經濟加單一利率……"],["楊總裁金龍：第二個問題，有關利率部分，我們在第二季也沒有提高利率，就是考慮到傳統產業，對不對？所以我們就說偏緊、偏緊，但是……"],["李委員彥秀：你沒有提高，但是……"],["楊總裁金龍：沒有，我沒有提高啊！"],["李委員彥秀：整體市場的變化，整體國際市場的變化，對於這些傳產業的機械、工具機業，其實已經是受傷，你有沒有去思考過？所以我剛才提到說，剛剛幾位委員提到的問題，無論是房市問題、城鄉差距、各縣市的變化等，我覺得總裁都應該多去走動走動，了解真正市場上的需求……"],["楊總裁金龍：會、會。"],["李委員彥秀：過去我們臺灣是靠這些傳產的中小企業撐起來的，如果這一波我們沒有對中小企業有貸款專案，也沒有一個定向融通的機制或專案機制，雖然臺灣看起來晶片產業很好，經濟成長率到9%，但其實有很多產業都是苦苦哀號，所以我才會提出我們在疫情期間，事實上是有定向融通、特別的利率來幫助這些傳產業，這部分我覺得你們應該去思考看看。"],["楊總裁金龍：是、是，謝謝委員的建議，不過……"],["李委員彥秀：總裁不要只是「是、是」，你還是要回答我。"],["楊總裁金龍：不過我也跟委員報告，事實上，據我了解，經濟部對中小微企業的融資問題都有在協助，包括主計總處最近也推出一個8年1,000億中小微企業的協助……"],["李委員彥秀：好，謝謝總裁。我最後一句話，面對整體局勢的變化，還有美國聯準會新主席的上任，我覺得我們未來應該建立一套新的精準貨幣政策工具，應該思考朝這樣的方向去調整。"],["楊總裁金龍：好，我們會。"],["李委員彥秀：好，謝謝總裁。"],["楊總裁金龍：謝謝。"],["主席：謝謝李彥秀委員。"],["主席（李委員彥秀）：接下來請陳玉珍委員。"]],"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":[]}