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壓力的話大概就是都是這樣子"},{"start":33.033,"end":39.816,"text":"因為壓力一定是有的啦因為壓力一定是有的啦隨時都有新的變化嘛對 委員講的沒有錯啦就是說現在的uncertainty是越來越頻繁不確定性越來越多不確定性越來越多風險值越來越高"},{"start":52.743,"end":66.918,"text":"從您的報告來跟您請教幾個問題就是說你們在判斷通膨啊我們從CPI來看CPI 6月份CPI年增率是2.6%是17個月新高核心CPI年增率也到2.45%"},{"start":69.341,"end":85.253,"text":"那你現在就是您的這個說法是說你們會密切觀察到底這個你們判斷烘蓬有沒有一個到底可控可控相對於可控就是失控或者不可控可控或失控的你們有沒有一個明確的門檻"},{"start":87.421,"end":113.88,"text":"對於通膨這個問題 你要去判斷這通膨已經快到失控 你要讓他採取一些作為嗎所以呢 委員那個垂詢得很好就是說2.6 你的意思是說2.6是不是失控不是 我說你可控的量化門檻在哪裡那當然就是說 我們年的平均是2%"},{"start":115.327,"end":131.564,"text":"年的平均是2%所以你現在年的是1.93對 1.93那如果到2就代表說可能會平均失控那也不是說2就失控了美國現在多少美國現在是3.84"},{"start":133.226,"end":160.965,"text":"美國的特殊狀況不一樣啊怎麼會特殊狀況 每一個國家中央銀行看的都是差不多的那個 都是同樣的數據啊如果我們到美國那個水準你覺得是應該失控了吧對啊 就我們來講的話大概失控但是美國它是3.84咧您的見解 您的判斷是說以年2%是做一個 不過我跟委員報告啦"},{"start":161.545,"end":164.607,"text":"美國在講說他現在3.84那為什麼他沒有調升利率而且呢他沒有調降利率因為他的3.84呢他只是短期間他認為是這樣因為他認為他的預測呢他說我2027年2028年我可以達到2%"},{"start":184.798,"end":196.722,"text":"那表示什麼呢表示說他的2%是中長期的目標而不是現在我的3.84%我就要馬上調升了解是不是因為他認為他認為說我兩年以後我會到達2%所以呢我現在國家狀況不太一樣我們找時間再跟您討論另外就是說"},{"start":207.731,"end":231.697,"text":"您的對房市的管制第七波已經是最後嘛不會再有第八波我們滾動式檢討幾次七波的醫治房價措施您覺得效果怎麼樣我覺得第一個就是說他的一個信用在集中到他那邊去比較慢慢的堪當下來了"},{"start":232.919,"end":240.788,"text":"所以會有進一步再放鬆嗎未來當然啊未來如果說某一個時點未來有可能再放寬嗎應該是會啊我們不可能我想一個管制不會就是說永遠管制下去了"},{"start":251.579,"end":264.137,"text":"那只是說timing就是你的時間你放寬的時間是在什麼時候放寬時間點很重要對最重要的是在控制另外你之前在10年前"},{"start":264.861,"end":285.883,"text":"中央銀行對於這個金融機構辦理購置高價住宅貸款的業務狀況所以這個叫做所謂我們認知的這個豪宅的門檻我跟委員報告但是你們是高價住宅但是2016其實在台北市你用這7000萬去買的房子絕對不是豪宅啦"},{"start":287.187,"end":303.687,"text":"那當然那是高價住宅那是豪宅所以這個是2016年訂定的這個規定經過10年這些所謂高價住宅的門檻你們會不會有會思考在未來會思考會做一些的調整"},{"start":304.622,"end":307.863,"text":"我現在跟委員報告啦我們沒有對豪宅的定義我們只是說高價住宅那高價住宅呢也就是說信用管制呢他是說對於這種比較高價的呢我要做比較強比較強的一個管制這完全同意一樣的道理啊那個財政部為了他的稅再30秒"},{"start":333.527,"end":339.852,"text":"所以各種法律規定各種業務規定應該與時俱進去做一些宏觀的調控那方向怎麼樣你再去思考怎麼樣管制最合理最合情最合法2016年前他的股市是多少"},{"start":361.847,"end":376.777,"text":"它的人均GDP是多少跟現在它的股市是多少人均GDP是多少那看看是不是有調整央行在做這個選擇性金融管制的時候我們的衡量標準是它的強度"},{"start":377.83,"end":383.355,"text":"他的強度而不在於就是說他的所得已經高到哪裡如果說我的信用資源太過流向那邊去的時候我的對於高價住宅的強度也許"},{"start":397.248,"end":415.537,"text":"不是上升的管理數字好不好對你之前的一些相關說我們都以認同那也不讓房市慢慢的往下跌往下到一個合理的區間那我覺得這個管制是必要的那也是合理的那就是讓"},{"start":416.557,"end":419.8,"text":"防止回歸一個正常的狀況那我覺得這個要給您肯定不過這個做一個洋商總裁總是壓力非常大外匯也好因為還有很多事還有很多問題要給你請教下次有機會的話還有外匯好 謝謝我們結束邱志偉委員的質詢謝謝"}],"gazette":[{"speaker":"邱委員志偉","start":"2026-07-09T11:45:50+08:00","guessed":true,"end":"2026-07-09T11:45:51.856800+08:00","text":"謝謝主席，請中央銀行楊金龍總裁。","quality":0},{"speaker":"主席","start":"2026-07-09T11:45:51.856800+08:00","guessed":true,"end":"2026-07-09T11:45:53.713600+08:00","text":"請楊總裁。","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T11:45:53.713600+08:00","guessed":true,"end":"2026-07-09T11:45:55.570400+08:00","text":"委員早。","quality":0},{"speaker":"邱委員志偉","start":"2026-07-09T11:45:55.570400+08:00","guessed":true,"end":"2026-07-09T11:45:57.427200+08:00","text":"總裁早，辛苦了！","quality":0},{"speaker":"邱委員志偉","start":"2026-07-09T11:45:57.427200+08:00","guessed":true,"end":"2026-07-09T11:45:59.284000+08:00","text":"這陣子壓力會不會比較大？","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T11:45:59.284000+08:00","guessed":false,"end":"2026-07-09T11:46:00.084000+08:00","text":"我想壓力的話一直以來大概都是這樣子。","quality":0.647},{"speaker":"邱委員志偉","start":"2026-07-09T11:46:00.084000+08:00","guessed":true,"end":"2026-07-09T11:46:23.454000+08:00","text":"所以常年都是高壓的狀態。","quality":0.182},{"speaker":"楊總裁金龍","start":"2026-07-09T11:46:23.454000+08:00","guessed":false,"end":"2026-07-09T11:46:24.134000+08:00","text":"壓力一定是有的啊！","quality":0.875},{"speaker":"邱委員志偉","start":"2026-07-09T11:46:25.034000+08:00","guessed":false,"end":"2026-07-09T11:46:26.275000+08:00","text":"因為隨時都有新的變化，要有新的作為，隨時因應。","quality":0.5},{"speaker":"楊總裁金龍","start":"2026-07-09T11:46:26.855000+08:00","guessed":false,"end":"2026-07-09T11:46:28.556000+08:00","text":"對，委員講的沒有錯，現在的uncertainty越來越頻繁。","quality":1},{"speaker":"邱委員志偉","start":"2026-07-09T11:46:28.576000+08:00","guessed":false,"end":"2026-07-09T11:46:29.796000+08:00","text":"不確定性愈來愈多，風險值愈來愈高。","quality":0.733},{"speaker":"楊總裁金龍","start":"2026-07-09T11:46:29.796000+08:00","guessed":true,"end":"2026-07-09T11:46:42.903000+08:00","text":"是，委員講得很好。","quality":0},{"speaker":"邱委員志偉","start":"2026-07-09T11:46:42.903000+08:00","guessed":false,"end":"2026-07-09T11:46:49.150000+08:00","text":"就你的報告我來跟您請教幾個問題，你們判斷通膨是從CPI來看。對。","quality":0.828},{"speaker":"邱委員志偉","start":"2026-07-09T11:46:51.332000+08:00","guessed":false,"end":"2026-07-09T11:47:03.624000+08:00","text":"6月份CPI的年增率是2.6%，是7個月的新高，核心CPI年增率也到了2.45%，您現在的說法是你們會密切觀察。對。","quality":0.891},{"speaker":"邱委員志偉","start":"2026-07-09T11:47:04.705000+08:00","guessed":false,"end":"2026-07-09T11:47:07.927000+08:00","text":"到底你們判斷通膨有沒有一個門檻？","quality":0.733},{"speaker":"邱委員志偉","start":"2026-07-09T11:47:07.927000+08:00","guessed":false,"end":"2026-07-09T11:47:09.388000+08:00","text":"到底是可控或不可控？","quality":0.667},{"speaker":"邱委員志偉","start":"2026-07-09T11:47:09.569000+08:00","guessed":false,"end":"2026-07-09T11:47:15.253000+08:00","text":"相對於可控的就是失控，可控或失控你們有沒有一個明確的門檻？有。","quality":0.929},{"speaker":"邱委員志偉","start":"2026-07-09T11:47:17.421000+08:00","guessed":false,"end":"2026-07-09T11:47:23.566000+08:00","text":"對於通膨這個問題，如果你初步判斷已經快到失控，你當然要採取一些作為；如果可控，你就可以先按兵不動嘛。","quality":0.578},{"speaker":"楊總裁金龍","start":"2026-07-09T11:47:25.107000+08:00","guessed":false,"end":"2026-07-09T11:47:36.095000+08:00","text":"委員垂詢得很好，你的意思是2.6%是不是失控？","quality":0.947},{"speaker":"邱委員志偉","start":"2026-07-09T11:47:37.856000+08:00","guessed":false,"end":"2026-07-09T11:47:41.098000+08:00","text":"不是，我是說你可控的量化門檻在哪裡？","quality":0.938},{"speaker":"楊總裁金龍","start":"2026-07-09T11:47:42.159000+08:00","guessed":false,"end":"2026-07-09T11:47:43.880000+08:00","text":"我們的年平均是2%。","quality":0.875},{"speaker":"邱委員志偉","start":"2026-07-09T11:47:45.327000+08:00","guessed":false,"end":"2026-07-09T11:47:46.468000+08:00","text":"年平均是2%？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T11:47:46.468000+08:00","guessed":true,"end":"2026-07-09T11:47:47.890000+08:00","text":"對，是2%。","quality":0},{"speaker":"邱委員志偉","start":"2026-07-09T11:47:47.890000+08:00","guessed":false,"end":"2026-07-09T11:47:53.395000+08:00","text":"但你現在的年平均是1.93%。","quality":0.545},{"speaker":"楊總裁金龍","start":"2026-07-09T11:47:53.395000+08:00","guessed":false,"end":"2026-07-09T11:47:53.395000+08:00","text":"對，1.93%。","quality":0.667},{"speaker":"邱委員志偉","start":"2026-07-09T11:47:53.556000+08:00","guessed":false,"end":"2026-07-09T11:47:56.338000+08:00","text":"如果到2%就代表可能會瀕臨失控，是不是？","quality":0.647},{"speaker":"楊總裁金龍","start":"2026-07-09T11:47:57.380000+08:00","guessed":false,"end":"2026-07-09T11:48:00.403000+08:00","text":"也不是說2%就失控了，美國現在是多少？","quality":0.875},{"speaker":"楊總裁金龍","start":"2026-07-09T11:48:00.963000+08:00","guessed":false,"end":"2026-07-09T11:48:01.564000+08:00","text":"美國現在是3.81%。","quality":0.857},{"speaker":"邱委員志偉","start":"2026-07-09T11:48:03.226000+08:00","guessed":false,"end":"2026-07-09T11:48:04.387000+08:00","text":"美國是特殊狀況，不一樣。","quality":0.9},{"speaker":"楊總裁金龍","start":"2026-07-09T11:48:04.927000+08:00","guessed":false,"end":"2026-07-09T11:48:05.728000+08:00","text":"怎麼會是特殊狀況？","quality":0.875},{"speaker":"楊總裁金龍","start":"2026-07-09T11:48:05.728000+08:00","guessed":false,"end":"2026-07-09T11:48:10.411000+08:00","text":"每一個中央銀行看的都是差不多的數據，如果說美國就……","quality":0.739},{"speaker":"邱委員志偉","start":"2026-07-09T11:48:10.831000+08:00","guessed":false,"end":"2026-07-09T11:48:18.176000+08:00","text":"如果我們到達美國那個水準，你覺得應該就是失控了吧？對啊！","quality":0.88},{"speaker":"楊總裁金龍","start":"2026-07-09T11:48:18.817000+08:00","guessed":false,"end":"2026-07-09T11:48:20.538000+08:00","text":"就我們來講的話，大概就失控了。","quality":0.846},{"speaker":"邱委員志偉","start":"2026-07-09T11:48:20.538000+08:00","guessed":true,"end":"2026-07-09T11:48:21.538000+08:00","text":"所以我們不能跟美國相比。","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T11:48:20.658000+08:00","guessed":false,"end":"2026-07-09T11:48:23.220000+08:00","text":"但是美國到3.81%了。","quality":0.625},{"speaker":"邱委員志偉","start":"2026-07-09T11:48:23.220000+08:00","guessed":false,"end":"2026-07-09T11:48:28.803000+08:00","text":"所以您的見解跟判斷是說以年增率2%做為判斷的基準？","quality":0.522},{"speaker":"楊總裁金龍","start":"2026-07-09T11:48:29.864000+08:00","guessed":false,"end":"2026-07-09T11:48:33.106000+08:00","text":"我跟委員報告，美國現在是3.81%，為什麼它沒有調升利率也沒有調降利率？","quality":0.867},{"speaker":"楊總裁金龍","start":"2026-07-09T11:48:33.206000+08:00","guessed":false,"end":"2026-07-09T11:48:55.578000+08:00","text":"因為它認為3.81%只是短期間內，而它的projection也就是它的預測，是2027年、2028年可以達到2%，那表示什麼？","quality":0.522},{"speaker":"楊總裁金龍","start":"2026-07-09T11:48:56.038000+08:00","guessed":false,"end":"2026-07-09T11:49:02.701000+08:00","text":"表示說它的2%是中長期的目標，而不是現在3.81%就要馬上調升。","quality":0.962},{"speaker":"邱委員志偉","start":"2026-07-09T11:49:02.701000+08:00","guessed":true,"end":"2026-07-09T11:49:04.281000+08:00","text":"了解，這個問題我會找……","quality":0.222},{"speaker":"楊總裁金龍","start":"2026-07-09T11:49:04.281000+08:00","guessed":false,"end":"2026-07-09T11:49:04.922000+08:00","text":"因為它認為2年以後會到達2%，所以現在就不動。","quality":0.789},{"speaker":"邱委員志偉","start":"2026-07-09T11:49:04.982000+08:00","guessed":false,"end":"2026-07-09T11:49:06.422000+08:00","text":"每個國家狀況不太一樣，我們找時間再跟您討論。是。","quality":0.857},{"speaker":"邱委員志偉","start":"2026-07-09T11:49:06.422000+08:00","guessed":false,"end":"2026-07-09T11:49:22.532000+08:00","text":"另外，您對房市的管制，第7波已經是最後了，不會再有第8波了吧？","quality":0.88},{"speaker":"邱委員志偉","start":"2026-07-09T11:49:22.532000+08:00","guessed":true,"end":"2026-07-09T11:49:23.612000+08:00","text":"照你之前的說法。","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T11:49:23.612000+08:00","guessed":false,"end":"2026-07-09T11:49:24.173000+08:00","text":"我們會滾動式檢討。","quality":0.875},{"speaker":"邱委員志偉","start":"2026-07-09T11:49:27.453000+08:00","guessed":false,"end":"2026-07-09T11:49:32.915000+08:00","text":"這7波的抑制房價措施，您覺得效果怎麼樣？","quality":0.824},{"speaker":"楊總裁金龍","start":"2026-07-09T11:49:32.915000+08:00","guessed":false,"end":"2026-07-09T11:49:41.677000+08:00","text":"我覺得第一個就是信用集中到那邊的狀況，也慢慢比較come down下來了。","quality":0.588},{"speaker":"邱委員志偉","start":"2026-07-09T11:49:42.919000+08:00","guessed":false,"end":"2026-07-09T11:49:46.603000+08:00","text":"所以會進一步再放鬆嗎？","quality":1},{"speaker":"邱委員志偉","start":"2026-07-09T11:49:46.603000+08:00","guessed":true,"end":"2026-07-09T11:49:47.603000+08:00","text":"比如說……","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T11:49:46.763000+08:00","guessed":false,"end":"2026-07-09T11:49:48.385000+08:00","text":"當然，未來如果說某一個時點……","quality":1},{"speaker":"邱委員志偉","start":"2026-07-09T11:49:48.385000+08:00","guessed":false,"end":"2026-07-09T11:49:49.066000+08:00","text":"比方說現在第2戶的貸款是6成，未來有可能再放寬嗎？","quality":0.429},{"speaker":"楊總裁金龍","start":"2026-07-09T11:49:49.066000+08:00","guessed":false,"end":"2026-07-09T11:49:50.607000+08:00","text":"應該是會，我們不可能……我想一個管制不會永遠管制下去啦，對不對？","quality":0.852},{"speaker":"楊總裁金龍","start":"2026-07-09T11:50:01.780000+08:00","guessed":false,"end":"2026-07-09T11:50:06.787000+08:00","text":"只是那個timing、時間，放寬的時間是在什麼時候。","quality":0.913},{"speaker":"邱委員志偉","start":"2026-07-09T11:50:07.027000+08:00","guessed":false,"end":"2026-07-09T11:50:08.128000+08:00","text":"放寬時間點很重要，因為房貸已經獲得控制……","quality":0.444},{"speaker":"楊總裁金龍","start":"2026-07-09T11:50:08.429000+08:00","guessed":false,"end":"2026-07-09T11:50:09.711000+08:00","text":"對，對，最重要在這裡。","quality":0.625},{"speaker":"邱委員志偉","start":"2026-07-09T11:50:10.932000+08:00","guessed":false,"end":"2026-07-09T11:50:25.432000+08:00","text":"另外，10年前有中央銀行對金融機構辦理購置高價住宅貸款的業務規定，所以成了我們認知的豪宅門檻……","quality":0.881},{"speaker":"楊總裁金龍","start":"2026-07-09T11:50:25.432000+08:00","guessed":false,"end":"2026-07-09T11:50:27.334000+08:00","text":"我跟委員報告……","quality":1},{"speaker":"邱委員志偉","start":"2026-07-09T11:50:27.694000+08:00","guessed":false,"end":"2026-07-09T11:50:29.156000+08:00","text":"這是俗稱，但是你們是高價住宅。","quality":0.692},{"speaker":"楊總裁金龍","start":"2026-07-09T11:50:29.156000+08:00","guessed":true,"end":"2026-07-09T11:50:30.156000+08:00","text":"對，是高價住宅。","quality":0},{"speaker":"邱委員志偉","start":"2026-07-09T11:50:29.596000+08:00","guessed":false,"end":"2026-07-09T11:50:35.863000+08:00","text":"那是2016，但其實在臺北市用7,000萬買的房子絕對不是豪宅啦！","quality":0.87},{"speaker":"楊總裁金龍","start":"2026-07-09T11:50:37.187000+08:00","guessed":false,"end":"2026-07-09T11:50:37.487000+08:00","text":"那當然。","quality":1},{"speaker":"邱委員志偉","start":"2026-07-09T11:50:37.767000+08:00","guessed":false,"end":"2026-07-09T11:50:39.670000+08:00","text":"那是高價住宅，絕對不是豪宅。","quality":0.75},{"speaker":"邱委員志偉","start":"2026-07-09T11:50:41.271000+08:00","guessed":false,"end":"2026-07-09T11:50:53.666000+08:00","text":"這是2016年訂定的業務規定，經過10年，這些所謂高價住宅的門檻，你們未來會不會思考做一些調整呢？","quality":0.872},{"speaker":"楊總裁金龍","start":"2026-07-09T11:50:55.562000+08:00","guessed":false,"end":"2026-07-09T11:50:57.402000+08:00","text":"我們沒有對豪宅的定義，我們是說高價住宅，也就是信用管制是對比較高價的住宅，我們要做比較強的管制。","quality":0.932},{"speaker":"邱委員志偉","start":"2026-07-09T11:50:57.422000+08:00","guessed":false,"end":"2026-07-09T11:50:57.523000+08:00","text":"是，這我完全同意。","quality":0.714},{"speaker":"楊總裁金龍","start":"2026-07-09T11:50:57.543000+08:00","guessed":false,"end":"2026-07-09T11:50:57.603000+08:00","text":"一樣的道理……","quality":1},{"speaker":"邱委員志偉","start":"2026-07-09T11:50:57.603000+08:00","guessed":true,"end":"2026-07-09T11:50:58.603000+08:00","text":"但是我提醒……","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T11:50:57.663000+08:00","guessed":false,"end":"2026-07-09T11:50:57.843000+08:00","text":"財政部為了它的稅……","quality":0.875},{"speaker":"主席","start":"2026-07-09T11:50:57.843000+08:00","guessed":true,"end":"2026-07-09T11:50:58.843000+08:00","text":"邱委員，注意一下時間。","quality":0},{"speaker":"邱委員志偉","start":"2026-07-09T11:50:57.843000+08:00","guessed":false,"end":"2026-07-09T11:50:57.863000+08:00","text":"好，再30秒。","quality":0.667},{"speaker":"邱委員志偉","start":"2026-07-09T11:51:23.527000+08:00","guessed":false,"end":"2026-07-09T11:51:28.270000+08:00","text":"我提醒總裁，2016當時的股市跟人均GDP，跟10年之後的現在完全不一樣嘛，所以各種法律規定、各種業務規定應該與時俱進，去做一些宏觀的調控，至於方向怎麼樣，你再去思考怎麼樣管制最合理、最合情、最合法。","quality":0.631},{"speaker":"楊總裁金龍","start":"2026-07-09T11:51:28.270000+08:00","guessed":true,"end":"2026-07-09T11:51:29.270000+08:00","text":"對，我非常同意委員現在講的。","quality":0},{"speaker":"邱委員志偉","start":"2026-07-09T11:51:28.431000+08:00","guessed":false,"end":"2026-07-09T11:51:55.189000+08:00","text":"2016、10年前股市是多少？","quality":1},{"speaker":"邱委員志偉","start":"2026-07-09T11:51:56.090000+08:00","guessed":false,"end":"2026-07-09T11:51:56.970000+08:00","text":"人均GDP是多少？","quality":1},{"speaker":"邱委員志偉","start":"2026-07-09T11:51:56.970000+08:00","guessed":true,"end":"2026-07-09T11:51:57.970000+08:00","text":"現在股市是多少？","quality":0},{"speaker":"邱委員志偉","start":"2026-07-09T11:51:57.970000+08:00","guessed":true,"end":"2026-07-09T11:51:58.970000+08:00","text":"人均GDP是多少？","quality":0},{"speaker":"邱委員志偉","start":"2026-07-09T11:51:57.571000+08:00","guessed":false,"end":"2026-07-09T11:51:58.591000+08:00","text":"比較看看是不是要調整。","quality":0.7},{"speaker":"楊總裁金龍","start":"2026-07-09T11:51:59.152000+08:00","guessed":false,"end":"2026-07-09T11:52:11.353000+08:00","text":"央行在做選擇性信用管制的時候，我們衡量的標準是它的強度，而不在於所得已經高到哪裡。","quality":0.921},{"speaker":"楊總裁金龍","start":"2026-07-09T11:52:11.353000+08:00","guessed":false,"end":"2026-07-09T11:52:28.909000+08:00","text":"如果我的信用資源太過流向那邊去的時候，我對於高價住宅的強度也許不是上升的，反而是下來的……","quality":0.854},{"speaker":"主席","start":"2026-07-09T11:52:29.889000+08:00","guessed":false,"end":"2026-07-09T11:52:30.710000+08:00","text":"請總裁簡短回應好不好？","quality":0.3},{"speaker":"邱委員志偉","start":"2026-07-09T11:52:33.191000+08:00","guessed":false,"end":"2026-07-09T11:52:48.019000+08:00","text":"謝謝總裁，我對你們之前相關的手法我都認同，也讓房市慢慢地往下跌，往下到一個合理的區間，我覺得管制是必要的，也是合理的，讓房市回歸正常的狀況，我覺得這個要給您肯定啦！","quality":0.824},{"speaker":"邱委員志偉","start":"2026-07-09T11:52:48.059000+08:00","guessed":false,"end":"2026-07-09T11:52:49.600000+08:00","text":"不過作為一個央行總裁總是壓力非常大，外匯也好……因為還有很多問題要跟你請教，下次有機會再來請教。","quality":0.791},{"speaker":"主席","start":"2026-07-09T11:52:49.680000+08:00","guessed":false,"end":"2026-07-09T11:52:49.800000+08:00","text":"謝謝，我們結束邱志偉委員的質詢。謝謝。謝謝。","quality":0.889},{"speaker":"主席","start":"2026-07-09T11:52:50.300000+08:00","guessed":true,"end":"2026-07-09T11:52:52.871429+08:00","text":"接下來請葉元之委員。","quality":0}]},"gazette":{"lineno":898,"blocks":[["邱委員志偉：（11時45分）謝謝主席，請中央銀行楊金龍總裁。"],["主席：請楊總裁。"],["楊總裁金龍：委員早。"],["邱委員志偉：總裁早，辛苦了！這陣子壓力會不會比較大？"],["楊總裁金龍：我想壓力的話一直以來大概都是這樣子。"],["邱委員志偉：所以常年都是高壓的狀態。"],["楊總裁金龍：壓力一定是有的啊！"],["邱委員志偉：因為隨時都有新的變化，要有新的作為，隨時因應。"],["楊總裁金龍：對，委員講的沒有錯，現在的uncertainty越來越頻繁。"],["邱委員志偉：不確定性愈來愈多，風險值愈來愈高。"],["楊總裁金龍：是，委員講得很好。"],["邱委員志偉：就你的報告我來跟您請教幾個問題，你們判斷通膨是從CPI來看。"],["楊總裁金龍：對。"],["邱委員志偉：6月份CPI的年增率是2.6%，是7個月的新高，核心CPI年增率也到了2.45%，您現在的說法是你們會密切觀察。"],["楊總裁金龍：對。"],["邱委員志偉：到底你們判斷通膨有沒有一個門檻？到底是可控或不可控？相對於可控的就是失控，可控或失控你們有沒有一個明確的門檻？"],["楊總裁金龍：有。"],["邱委員志偉：對於通膨這個問題，如果你初步判斷已經快到失控，你當然要採取一些作為；如果可控，你就可以先按兵不動嘛。"],["楊總裁金龍：委員垂詢得很好，你的意思是2.6%是不是失控？"],["邱委員志偉：不是，我是說你可控的量化門檻在哪裡？"],["楊總裁金龍：我們的年平均是2%。"],["邱委員志偉：年平均是2%？"],["楊總裁金龍：對，是2%。"],["邱委員志偉：但你現在的年平均是1.93%。"],["楊總裁金龍：對，1.93%。"],["邱委員志偉：如果到2%就代表可能會瀕臨失控，是不是？"],["楊總裁金龍：也不是說2%就失控了，美國現在是多少？美國現在是3.81%。"],["邱委員志偉：美國是特殊狀況，不一樣。"],["楊總裁金龍：怎麼會是特殊狀況？每一個中央銀行看的都是差不多的數據，如果說美國就……"],["邱委員志偉：如果我們到達美國那個水準，你覺得應該就是失控了吧？"],["楊總裁金龍：對啊！就我們來講的話，大概就失控了。"],["邱委員志偉：所以我們不能跟美國相比。"],["楊總裁金龍：但是美國到3.81%了。"],["邱委員志偉：所以您的見解跟判斷是說以年增率2%做為判斷的基準？"],["楊總裁金龍：我跟委員報告，美國現在是3.81%，為什麼它沒有調升利率也沒有調降利率？因為它認為3.81%只是短期間內，而它的projection也就是它的預測，是2027年、2028年可以達到2%，那表示什麼？表示說它的2%是中長期的目標，而不是現在3.81%就要馬上調升。"],["邱委員志偉：了解，這個問題我會找……"],["楊總裁金龍：因為它認為2年以後會到達2%，所以現在就不動。"],["邱委員志偉：每個國家狀況不太一樣，我們找時間再跟您討論。"],["楊總裁金龍：是。"],["邱委員志偉：另外，您對房市的管制，第7波已經是最後了，不會再有第8波了吧？照你之前的說法。"],["楊總裁金龍：我們會滾動式檢討。"],["邱委員志偉：這7波的抑制房價措施，您覺得效果怎麼樣？"],["楊總裁金龍：我覺得第一個就是信用集中到那邊的狀況，也慢慢比較come down下來了。"],["邱委員志偉：所以會進一步再放鬆嗎？比如說……"],["楊總裁金龍：當然，未來如果說某一個時點……"],["邱委員志偉：比方說現在第2戶的貸款是6成，未來有可能再放寬嗎？"],["楊總裁金龍：應該是會，我們不可能……我想一個管制不會永遠管制下去啦，對不對？只是那個timing、時間，放寬的時間是在什麼時候。"],["邱委員志偉：放寬時間點很重要，因為房貸已經獲得控制……"],["楊總裁金龍：對，對，最重要在這裡。"],["邱委員志偉：另外，10年前有中央銀行對金融機構辦理購置高價住宅貸款的業務規定，所以成了我們認知的豪宅門檻……"],["楊總裁金龍：我跟委員報告……"],["邱委員志偉：這是俗稱，但是你們是高價住宅。"],["楊總裁金龍：對，是高價住宅。"],["邱委員志偉：那是2016，但其實在臺北市用7,000萬買的房子絕對不是豪宅啦！"],["楊總裁金龍：那當然。"],["邱委員志偉：那是高價住宅，絕對不是豪宅。這是2016年訂定的業務規定，經過10年，這些所謂高價住宅的門檻，你們未來會不會思考做一些調整呢？"],["楊總裁金龍：我們沒有對豪宅的定義，我們是說高價住宅，也就是信用管制是對比較高價的住宅，我們要做比較強的管制。"],["邱委員志偉：是，這我完全同意。"],["楊總裁金龍：一樣的道理……"],["邱委員志偉：但是我提醒……"],["楊總裁金龍：財政部為了它的稅……"],["主席：邱委員，注意一下時間。"],["邱委員志偉：好，再30秒。我提醒總裁，2016當時的股市跟人均GDP，跟10年之後的現在完全不一樣嘛，所以各種法律規定、各種業務規定應該與時俱進，去做一些宏觀的調控，至於方向怎麼樣，你再去思考怎麼樣管制最合理、最合情、最合法。"],["楊總裁金龍：對，我非常同意委員現在講的。"],["邱委員志偉：2016、10年前股市是多少？人均GDP是多少？現在股市是多少？人均GDP是多少？比較看看是不是要調整。"],["楊總裁金龍：央行在做選擇性信用管制的時候，我們衡量的標準是它的強度，而不在於所得已經高到哪裡。如果我的信用資源太過流向那邊去的時候，我對於高價住宅的強度也許不是上升的，反而是下來的……"],["主席：請總裁簡短回應好不好？"],["邱委員志偉：謝謝總裁，我對你們之前相關的手法我都認同，也讓房市慢慢地往下跌，往下到一個合理的區間，我覺得管制是必要的，也是合理的，讓房市回歸正常的狀況，我覺得這個要給您肯定啦！不過作為一個央行總裁總是壓力非常大，外匯也好……因為還有很多問題要跟你請教，下次有機會再來請教。"],["主席：謝謝，我們結束邱志偉委員的質詢。"],["邱委員志偉：謝謝。"],["楊總裁金龍：謝謝。"],["主席：接下來請葉元之委員。"]],"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":[]}