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報告及詢答完畢二 委員質詢未為及答覆及或請補充資訊請財政部於一周內以書面答覆委員另邀請期限者從期鎖定三 委員王世堅 蘇清泉 楊秋英 邱志偉所提書面質詢列入紀錄刊登公報並請財政部以書面答覆通過臨時提案留案宣讀完畢"},{"start":1843.656,"end":1870.256,"text":"議事部暫不確定請議事人員宣讀今日議程邀請中央銀行楊總裁金榮率所屬單位主管暨財經資訊股份有限公司董事長列席業務報告並備諮詢宣讀完畢現在介紹在場委員林德福委員與會政府官員中央銀行楊金榮總裁業務局謝鳳英局長"},{"start":1872.957,"end":1889.761,"text":"發行局 鄧炎達局長外匯局 蔡炯明局長國庫局 吳亦娟局長金融業務檢查處 潘雅惠處長經濟研究處 曹體仁處長秘書處 龍瑞祥處長"},{"start":1897.784,"end":1920.781,"text":"會計處 郭淑慧處長資訊處 陳功處長人事室 張淑慧主任法務室 謝家文主任中央印製廠 林忠謀總經理中央造幣廠 葉木欽廠長財經資訊股份有限公司 林國良董事長"},{"start":1928.601,"end":1933.216,"text":"今日一時安排邀請中央銀行楊總裁金榮列席業務報告現在請楊總裁進行業務報告"},{"start":1945.802,"end":1975.222,"text":"主席各位委員各位女士先生今天呈邀前來貴委員會報告本行業務自感榮幸本行經營目標在於促進金融穩定健全銀行業務維護對內及對外幣值穩定兼顧協助經濟發展以下緊究國內外經濟金融情勢以及大院上議會期以來本行執行貨幣信用與外匯政策等主要業務提出報告進行會事指教"},{"start":1976.722,"end":1999.691,"text":"第二月 國際經濟金融情勢告一預期本年全球經濟成長率下滑本年3月S&P Global Market Intelligence假設戰爭於本年4月中旬前和緩預測本年全年經濟成長率由上年的2.9%降至2.6%較戰前"},{"start":2004.233,"end":2025.783,"text":"預估值下調0.3% 主要經濟體預測值亦都下調國際油價高漲 全球通膨壓力升溫因近期能源價格大漲推升通膨壓力 本年3月S&P Global預測本年全球通膨率為3.2% 與上年持平 為較戰前"},{"start":2029.565,"end":2057.817,"text":"預測值上調0.4個百分點主要經濟體預測值逾多上調第四頁二 上年10月以來FED兩度降息AECB維持政策利率不變BOJ升息 人行則延續寬鬆貨幣政策三 近期主要經濟體公債殖利率多走高美元指數回升 全球股價指數至歷史高點回落"},{"start":2060.933,"end":2089.852,"text":"第七 全球經濟前景面臨諸多不確定因素預期本年全球經濟前景面臨地緣政治風險升溫美國貿易政策發展及其影響主要央行貨幣政策調整路徑AI發展之經濟效益及其影響中國大陸內需疲弱與產能過剩等問題等諸多不確定因素仍需持續關注後續發展及影響"},{"start":2091.113,"end":2117.15,"text":"第八頁國內經濟金融情勢一上年台灣經濟成長率創近15年新高預期本年經濟成長穩健成長上年全年經濟成長率為8.68%則系近15年的新高掛二隨AI需求超乎預期本年國內經濟仍可望高度成長本行預測本年台灣經濟成長率為7.28%"},{"start":2121.834,"end":2139.326,"text":"機構對本年台灣經濟成長率預測平均值為6.4%目前本行評估美國新關稅政策對本年台灣經濟成長之影響因素有限中東暫時增添全球經濟下行風險其對台灣經濟影響程度取決暫時持續期間強度以地理換為請翻開第十四頁"},{"start":2151.427,"end":2169.332,"text":"三、上年通膨率反步回降,本年通膨展望溫和本行將持續密切關注中東戰事對台灣通膨值影響二、上年CPI年增率由2024年至2018續降為1.66%,系2021年以來最低且系2022年以來首度低於2%"},{"start":2176.934,"end":2196.843,"text":"不含蔬果及能源之核心CPI年增益,亦由2024年至1.88,細降為1.66%。14月 本年1至2月平均通膨率平穩,1至2月平均CPI及核心CPI年增益分別為1.23%、1.93%。15月 本行上修本年台灣通膨預測力,並將持續關注。"},{"start":2203.886,"end":2214.833,"text":"中東戰事對台灣通膨值影響本行將本年台灣CPI及核心CPI年增率預測值由上年12月預測之同為1.63分別上修為1.80、1.75%國內外主要機構對本年台灣CPI年增率預測值介於1.5至2.22%平均為1.74%通膨展望人數溫和"},{"start":2232.228,"end":2256.403,"text":"第十九月一本行維持政策利益不變有助整體經濟金融穩健發展告一本年三月本行禮監事維持政策利益不變二本行適度調整選擇性信用管制措施將全國資產人第二戶過戶代管制程序上限由五成調升為六成維持無寬限期"},{"start":2261.892,"end":2261.912,"text":"請翻開25頁"},{"start":2265.457,"end":2294.312,"text":"事 掛無事儘管當前國內房市交易降溫因銀行不動產貸款成長趨緩不動產貸款集中度緩降為尚不宜大屋放寬信用管制因國內房價衰以反轉維修正有限民眾過屋貸款負擔人重若大屋放寬信用管制恐導致民眾看漲房價預期心理在即將使本行七度信用管制成效功虧一簣"},{"start":2296.688,"end":2311.236,"text":"二十六月二 近一年來台股高漲之財務效果以及近期中東戰勢帶動油價上漲恐推升通膨預期兩者均可能使資金轉潤防勢二十八月"},{"start":2311.696,"end":2336.146,"text":"三上年新來幣兌美元升值為相對主要貨幣匯率穩定掛五一上年國內匯市美元供給大於需求本行淨買匯76.9億美元三十一月掛五三上年十月期間新來幣兌美元貶值4.64%貶乎低於韓元及日元新來幣波動幅度則相對穩定三十三月"},{"start":2337.707,"end":2352.905,"text":"4.本年2月底本行外匯存底較上年底增加,主要反映本行外匯存底投資運用收益。1.本行外匯存底系用於調節國際收支、穩定金融及外匯市場。本年2月底本行外匯存底為6,055億美元。"},{"start":2357.951,"end":2377.649,"text":"上年12月底本行外幣流動性約為7,244億美元包括官方準備資產為6,075億美元其他外幣資產310億美元以及其他未來一年內可使用之外幣流動性858億美元"},{"start":2383.13,"end":2402.617,"text":"三十六月四 新台幣鈔券改版推動進度及官民參與辦理情形告一本行已籌組並召開新台幣鈔券改版主題資訊委員會且達成多項具體結論及建議作為本行後續相關規劃之重要參考"},{"start":2407.46,"end":2428.178,"text":"四十月國內重要支付系統盈利概況掛戶二持續督促財經公司協助推廣行動支付四十一月本行持續穩步推動CPTC研究計畫四十二"},{"start":2429.474,"end":2451.006,"text":"四十二月 掛五一 建立零售型CPTC之數位經由平台掛五二 以批發型CPTC支持資產代幣化之創新發展並試驗建構未來代幣化金融基礎設置可行性三 改善跨境資物規劃四十三月 掛五四 舉辦CPTC面對面溝通活動"},{"start":2453.211,"end":2472.675,"text":"44月結餘以上僅就國內外經濟金融情勢與本行主要業務提出檢要報告至於本行調節金融通貨發行外匯管理及經理國庫等業務外礦則置於賦入進行著參本行捐付促進金融穩定健全銀行業務維護對內及對外幣值穩定兼顧"},{"start":2476.356,"end":2497.362,"text":"協助經濟發展之法定職責隨時密切注意國內外經濟金融形勢發展妥適運用各種政策工具以達成政策目標本行業務促成各位委員頂住與支持請藉此機會表達衷心感謝之意今後仍請各位委員實事指教謝謝"},{"start":2500.753,"end":2520.168,"text":"謝謝楊總裁現在開始詢答先做一下宣告每位出席委員發言時間8分鐘必要時得延長2分鐘每位列席委員發言時間5分鐘今日上午10點截止發言登記現依登記順序請登記第一位林德福委員質詢"},{"start":2536.504,"end":2542.098,"text":"謝謝主席楊總裁還有與會各列席官是不是請楊總裁請中央議員楊總裁"},{"start":2554.108,"end":2566.663,"text":"因為先前央行理監事聯席會議的資料來指出整個標普全球公司假設中共的戰爭將在四月中旬前來和緩"},{"start":2568.846,"end":2580.176,"text":"那央行預測今年的經濟成長率為7.28%是繼以中東戰爭可望在4月中旬結束你認為可不可能"},{"start":2582.691,"end":2599.343,"text":"如果說我們如果說看那個美國的副總統的談話好像是這個會在四週到六週的樣子當然我們也希望如此那今天的經濟成長率真的你認為有這麼樂觀嗎"},{"start":2601.404,"end":2627.847,"text":"以目前來講的話如果說戰事是短期的話呢那麼如果他沒有這個戰事沒有影響到美國的這個AI他的CSP就是他的那個他的那個他這些好像Amazon的這些公司他的投資的一個投資的一個的金額的話那麼台灣的出口"},{"start":2628.447,"end":2642.811,"text":"他的動能還是會跟去年會差不多所以說總裁你認為這個很樂觀是不是目前來講是審慎樂觀那個因為台積運預測只有4.05%那央行你這個怎麼來看待這個"},{"start":2652.272,"end":2679.021,"text":"數據的落差因為4.05跟7.28差將近一半就是三點多我想就是說它的情境的分析情境的分析有的機構他會認為說他就會把那個情境的分析把它用比較嚴重的一個情境分析來分析所以我認為他是用比較嚴重的一個情景"},{"start":2679.321,"end":2700.059,"text":"那對照目前各方的說法,如果不信啊,中東的戰爭持續到九月,那我請問央行對我國經濟的成長,你認為有如何的影響?我想我們會,第一個我們會密切的注意,這是第一個,我們密切注意而且收集資料。"},{"start":2700.76,"end":2718.222,"text":"第二個因為我們每年的理事會3月6月9月12月所以這三個月的時間到下一次的6月的理監事會足夠時間讓我們去掌握更足夠的數據來做下一次的一個預測"},{"start":2719.904,"end":2733.874,"text":"總裁啊因為中東戰爭影響整個國際原油供應出現了嚴重的缺口那也帶動油價上漲直接推升尤其是塑膠品的生產成本物價紛紛的涵罩那"},{"start":2736.916,"end":2752.207,"text":"石化上游的供應鏈吃緊國內的整個石化產業相繼針對PVC PE PP等宣告不可抗力並同步減產那本席關心通膨的問題請央行說明如果中東戰爭的持續弱物價壓力持續的擴大"},{"start":2761.77,"end":2774.079,"text":"影花第二輪的通膨效應央行四月份你認為要如何去因應呢我想就是說現在目前大家都非常的關心這個通膨"},{"start":2776.261,"end":2780.924,"text":"那以目前來講的話通膨我們認為就是說到目前我們把它上修到1.8那這個呢請請是用85塊從我們原先就是說油價是從58.3呢我們把它調高到85塊那這個呢調5就45%85塊是全年啦不是說某一個時點是全年"},{"start":2800.618,"end":2811.77,"text":"那如果說這個它的油價現在85塊呢全年85塊大部分的機構大部分都是用85塊那要是再往上呢往上的話呢那通膨率就會往上如果說到100塊100塊左右的時候那通膨率就會往上調"},{"start":2822.621,"end":2831.646,"text":"不過呢我們有初步的這個做一個情景假設說全年到100的話那這樣的話通膨大概會在1.9左右1.9會到1.9那個莊財因為"},{"start":2838.909,"end":2865.844,"text":"關於主權基金設立的問題總裁在不同場合做過很多的說明我想這一點我就不要再追問本席想了解央行對AI人工智慧運用在投資的看法以挪威的主權財富基金為例利用人工智慧AI管理投資組合曾多次也揪出投資組合中可能涉及強迫勞動"},{"start":2867.065,"end":2887.653,"text":"腐敗或詐欺等等這些問題的公司使其能先行的邁出避免人受潛在的損失那如果未來設立主權基金央行是否贊成主權基金管理應用AI人工智慧來輔助行政院官員的決策我想這個"},{"start":2889.854,"end":2910.938,"text":"這個挪威的這個做法我覺得也是值得去參考不過現在目前我們的主權基金還是在正在發展當中那當然我想這個主管基金現在目前是國安會在歐比萊我希望央行能夠為他籌謀是是好謝謝"},{"start":2914.059,"end":2941.278,"text":"因為近期我們受到中東戰爭的影響許多延誤料波動那過去央行曾表示這個新版鈔票單張印製成本由現在的差不多3.5元提高到5元那如果鈔票及延誤料採購成本異常飆高央行是否會暫緩整個鈔票的改版我想是不會啦"},{"start":2941.578,"end":2970.213,"text":"不會喔那絕對一定要做就對了是是是那你絕對一定要做你等於是變成3.5元飆到5元你認為老百姓人民怎麼看3.5元到1.5元你看看齁就是說以24年24年從3.5漲到5元我如果說用直覺的來計算的話應該是不算高不算高對因為算不算高如果1.5元"},{"start":2971.374,"end":2988.954,"text":"如果鈔票的紙及原物料採購成本異常的飆高這個其實像央行你們應該要考慮暫緩因為本席我請教總裁這個印製薪鈔成本5元是地板價還是天花板價"},{"start":2991.823,"end":3009.131,"text":"我想在看後續的發展是怎麼樣委員一直在關心成本改版的招券的紙張的成本但是我也要跟委員報告"},{"start":3011.172,"end":3027.262,"text":"金融安全就是說這個金融安全應該比我們所想的這個成本的高還要重要對應該是這樣子不然的話如果說到時候因為現在科技現在說實在是科技是非常的發達"},{"start":3028.123,"end":3055.774,"text":"我知道啊我們二月四年來改版算是在其他先進的國家來看的話呢算是非常慢的非常慢的所以我們應該要就是說應該要加快進步那個總裁嗯央行舉辦新操改版的網路票選結果前五名分別是島嶼生態保育動物之美民俗捷徑還有和諧共榮保育植物之美對"},{"start":3056.834,"end":3078.229,"text":"那目前發行的鈔票共五款是否就責定這五個主題來進行設計還是另有其他的考量我想這個十名甚至十二名之內我們都可以考量那個另外因為你正面正環正環就有不少的那個總裁因為這個"},{"start":3082.418,"end":3099.597,"text":"央行有負責中央印製廠負責外交部的護照印製護照內的內頁的景點包括台北101、淡水漁人碼頭復工博物院、龜山島等等"},{"start":3100.717,"end":3124.35,"text":"那鈔票改版圖案何不就沿用護照內頁的圖案主題來設計圖案爭議也比較低而且總裁你有什麼看法事實上那些是以前我們護照我也看過我覺得那時候設計得非常好那如果鈔卷鈔卷的話也可以來參考一下我是認為應該可以納進去考量是可以參考"},{"start":3128.343,"end":3148.725,"text":"總裁 是鈔票改版央行說將研究採用更環保的紙張或複合材料並強化這個印製流程中的這個潛能減碳那新鈔印製能兼顧環保當然是好事啊但本期提醒未來如果新鈔改版"},{"start":3149.946,"end":3164.884,"text":"必須要預先做好材料的測試鈔票的耐用度絕對不能比現在的鈔票來的差不然新鈔改版就是製造民眾使用的麻煩是委員說的沒有錯所以說那個央行那個總裁"},{"start":3169.83,"end":3196.732,"text":"配合啊你也請總裁提供書面資料讓北京人了解紙鈔跟塑膠鈔啊優缺點因為跟全世界各國使用的整個狀況好不好最後一點喔對於新鈔改版央行說改版主要是因應舊版台幣還尾已經過時需要更新讓科技日新月異啊尾鈔技術也以時俱進光靠鈔票改版"},{"start":3198.413,"end":3220.152,"text":"事不足以防範偽鈔流通那媒體報導偽鈔的這些教護只要他們入監以後服刑過後他們一般都從超就業對此央行應該要審慎的考慮這些妨害國幣懲治條例的修法加重處罰這些印製偽鈔的人"},{"start":3223.473,"end":3241.784,"text":"好 那個委員的意見呢 我們都會納入參考好 我希望如此好 謝謝好 謝謝林委員請問各位委員對上次議事錄有無意義沒有意義 議事錄確定現在請第二位質詢 李燕秀委員質詢謝謝張偉 國務卿總裁 謝謝請莊義航 楊總裁"},{"start":3257.473,"end":3265.744,"text":"早安總裁我想今天大概財務會的委員大概都還是關注在整個中東的局勢跟後續對於油價通膨跟民眾消費的影響這整個局勢從2月28號到現在"},{"start":3274.595,"end":3280.92,"text":"我們看到從今年年初的油價每桶從60塊漲到現在90到110區間這樣的一個區間漲幅已經超過50%總裁你在會議上李監事會議後提到根據歷史的經驗這場中東的局勢不會拖延太長"},{"start":3294.589,"end":3305.539,"text":"這樣子的預估這是根據你過去的判斷但是會不會太過樂觀剛才你也回答林德福委員說如果油價持續在100塊以上的話通膨可能會到達1.9對不對是 沒有錯"},{"start":3311.084,"end":3331.282,"text":"中餐 那我們有沒有預估過 如果當然這不是我們預見 希望預見到的但是很多事情不是掌握在我們身上如果油價是後續持續的就是說戰爭持續的變成是區域性的戰爭因為現在看到的不只是荷姆茲海峽的問題"},{"start":3332.723,"end":3361.289,"text":"萬一如果曼德海峽也遭到封鎖的話這個是連接鴻海、亞丁灣跟印度洋整個歐洲跟亞洲重要的航道也就是全世界非常重要兩個運輸油的航道都受到衝擊跟影響所以身為央行的總裁我們就不可能只有一種劇本去做預估 對不對總裁你了解我的意思嗎是是是 沒有錯不是掌握在我們身上委員講得沒有錯"},{"start":3361.829,"end":3382.876,"text":"油價在100塊以上在120塊以上在150塊以上我們都要有不同的版本去做準備波動這些不只是價格的問題而是波動超大這個波動太大的話隨時波動再大後續可能會隨時再飆升這個衝擊影響總裁你有沒有去做這樣內部的預估跟因應"},{"start":3388.398,"end":3407.118,"text":"因為這個後續對於我們的利息要不要升息啊都會有衝擊影響是 我想呢 中央銀行也不會就是說一開始的時候呢 我們預測的情境呢就是用非常的就是說把它假設說它是中東全面的戰爭而且呢 持續的時間到九月"},{"start":3410.481,"end":3435.202,"text":"到今年年底 我想一個預測的機構呢不可能做這樣的一個情境的分析所以你沒有做 如果是有這樣所以有委員在講就是說 會這樣 當然會我們現在就是說 所以我剛剛也有在談就是說我們3月的時候呢 我們是用85塊 全年85塊來做情境的分析那"},{"start":3436.302,"end":3443.027,"text":"你這個85塊的標準現在都已經到100了所以你那個85塊的標準你是用我們預置油價真的預置油價委員我跟你們報告就是說80現在都您的意思說現在都已經到100多了110幾了不 那個是暫時現在目前"},{"start":3454.415,"end":3456.495,"text":"那如果說以整年來看的話從當時的58.3%我們的預測58.3%現在把它調升到85%的話那已經是上漲45%了全年所以你是整年的預估你用整年預估所以你的判斷就是說中東的局勢會在短時間之內獲得控制也不會"},{"start":3477.58,"end":3483.422,"text":"我們也不需要去預估有120塊萬一油價升到120或150的版本不需要不是因為隨著時間的經過那我們的情景的分析呢就必須要做調整也許啊也許就是說你現在85的那如果說它的發展是很快的就結束了以後它往下的話那也有可能到70啊"},{"start":3503.01,"end":3525.531,"text":"因為我今天時間有限我要提醒的是我當然希望局勢可以儘速獲得控制這大家都不希望看到但是那個局勢是什麼樣的變化沒有人可以掌握不是掌握在我們手中到底會是一個什麼樣的狀態跟變化所以未來油價假使是120 150"},{"start":3528.093,"end":3531.957,"text":"會是一個什麼樣的狀態 我們有沒有什麼樣因應的工具有啦 有 那當然有 當然有中央銀行不會就坐在那邊 我們不會就說去說所以這就是我要問你的嘛 所以這就是我的重點我想呢 第一個政府的一個穩定這個油價的一個措施這個平穩的機制呢 它是不是也會考量到加大"},{"start":3552.596,"end":3558.383,"text":"如果說油價一直往上的話這是第一個那第二個中央銀行呢我們中央銀行的一個職責呢有兩個第一個職責呢就是說我們要防止這個輸入性的通貨膨脹"},{"start":3567.213,"end":3588.727,"text":"輸入性通膨膨脹跟我們的匯率有關所以呢也就是說我們的匯率一定要讓它穩定這是第一個那第二個呢如果物價持續的在往上漲的時候呢那麼可能市面上的一個通膨的預期呢它可能就會形成那這個時候那中央銀行可能就必須要朝緊縮的貨幣政策來執行"},{"start":3592.108,"end":3609.312,"text":"緊縮貨幣政策 升息也是總裁 那我要請問你 這個戰爭持續的拉長就是引發最近有一個塑膠之亂我想你應該有聽 因為所有的東西都在漲所有東西都在漲 包括醫療手套什麼都在漲那這個塑膠之亂後續衍生的問題"},{"start":3614.493,"end":3639.78,"text":"這個就不是只有政府我們控油就是油電不漲 動漲電價 重漲油價或來做補貼可以去做後續的處理那這些因應的政策跟方法你有什麼建議包括我們現在我先提一個比較具體我們這一次全球的尿素跟硫磺漲了35%跟45%其實這些都是從荷莫茲海峽運輸進來"},{"start":3642.021,"end":3665.472,"text":"戰爭一旦拖長下一波農產品價格會不會也是持續的上漲我跟委員報告行政院的一個穩定物價小組呢他有包括了這個農業部他有包括了這個公平會他有包括了經濟部相關的部會包括我們中央銀行所以呢也就是說"},{"start":3666.592,"end":3691.759,"text":"我剛剛所說的它的穩定的油價還有穩定其他相關物品的原料的物價行政院相關的部會都會去關注它那中央銀行的部分我剛剛也已經說明了我們中央的部分就是剛剛我所說的在匯率方面 在利率方面我們如何來配合政府的維穩的一個措施"},{"start":3693.246,"end":3696.297,"text":"所以總裁就是說我剛才提到的就是說"},{"start":3700.473,"end":3723.269,"text":"原油的漲幅後續整個原物料的上漲其實都是帶動所有的各行各業可能都會漲我剛才講包括醫療手套 塑膠藥罐藥師也預估出這些醫材未來的漲幅會高達三成我最近有聽到今年要選議員的朋友跟我講今年刊版反部已經公告"},{"start":3723.709,"end":3739.726,"text":"所有帆布要漲兩成所以所有的東西都在漲那這些能源價格上漲對國內物價的傳導的效果影響程度其實是非常大的所以我擔心的不是只有今年1.9%CPI只有1.9%有可能會超過1.9%"},{"start":3747.633,"end":3769.191,"text":"這個我就說 我也認為就是說第二季這是一個關鍵不過呢 我講說第二季是我們理監事會的第二季的時候呢那這是一個關鍵 不過我也跟委員報告事實上呢 我們每個月我們都對這個情境的分析做不同的一個的蒐集資料然後做不同情景來做分析"},{"start":3772.048,"end":3793.676,"text":"那你有沒有給行政院 萬一如果CPI超過2的話行政院就要很多的工具進場我想行政院你看看行政院有非常大動作的就是說你看沒多久他就有一個聯合的一個穩定小組的一個會議那我也跟那個委員報告那個二屋戰爭的時候啊"},{"start":3794.236,"end":3799.841,"text":"那二溫戰爭的時候那是供給面跟現在的是一樣的二溫戰爭現在這也是那個美伊戰爭這個戰爭所導致的供給面呢一定是要供給面的措施來因為我覺得這是一個跨部會的合作準定物價包括你手邊可以的工具財政部可以的工具我覺得所有事都要硬硬做好準備因為我今天議題很多"},{"start":3817.595,"end":3837.071,"text":"我想問一個新青安2.0的事情2.0你的看法過去新青安1.0在實施的時候很多人認為說跟你的央行打房的政策事實上是相互衝突的那我們現在2.0要上路新的2.0有幾個政策就是包括5年縮短成3年取消部分利息的補貼還有年齡限制成為80條款"},{"start":3838.712,"end":3860.2,"text":"你對於這個新政案2.0行政院其他包括財政部有沒有找你溝通過你的看法對於2.0應該做什麼樣的調整如果2.0要上路的話你有什麼看法我想第一個我要跟委員回答的就是說第一個就是說是不是他新政案跟我們的選擇新政案是不是有衝突我覺得事後來看的話是一致的"},{"start":3860.6,"end":3884.975,"text":"因為我們都對對手過足對弱勢者給他一個信用所以你支持新西蘭2.0目前我在媒體上看待2.0政策你全部都支持沒有沒有沒有當然所以也就是說它有一些的副作用但是現在副作用在要到7月的時候呢這個部分呢行政院那有也有找我們中央銀行溝通那現在正是大家正在討論的時候"},{"start":3885.976,"end":3906.425,"text":"好所以目前看起來就你的說法星期二2.0我在媒體上看到新的三個勝策跟方向基本上看起來你好像應該是支持的他那個是我不知道那個他的消息來源是從哪裡來我從媒體上看不過我跟委員報告現在他的final他的最終的版本還沒有出來"},{"start":3907.901,"end":3929.551,"text":"目前看來都有找你溝通過就對了而且呢 幾次幾次大家都有在溝通好 就是目前在媒體上看到新千二二點零政策方向上是找央行溝通過的而且看起來是央行跟行政院跟財政部的版本是一致的沒有衝突的好 謝謝林委員到最後應該是一致的好 謝謝林委員下一位諮詢委員請賴世寶委員"},{"start":3949.665,"end":3952.467,"text":"謝謝主席 一起更新進有請央行的楊總裁"},{"start":3966.83,"end":3995.169,"text":"亂中有序亂中有序 因為外面在修正 所以你內心也在修正蛤 不會 不會喔外面是亂的 我們新的是靜的你不會睡不著覺 不會應該不會吧台北這樣 一直發生這麼多呢北的這麼厲害你 會不會心肝要丟一丟我們要了解情況我們要了解情況 但是呢在做決策的時候 一定心要很平靜 要很定"},{"start":3995.882,"end":4002.315,"text":"可是現在已經匯出去 外資賣了匯出去才八千多億了 一直出力 一直出力 那你不緊張"},{"start":4004.796,"end":4022.493,"text":"我想這個事件導致資金的外流到目前為止我覺得這是可控的而且我覺得股市如果說上漲到某一個程度來做某種程度的調整應該也是正常的"},{"start":4025.956,"end":4052.227,"text":"所以你的意思好像保衛文講啦台股漲太多啦藉這個機會拉回來整理很正常啦我們不用怕啦跟你說的意思就這樣子對吧到目前為止我覺得台灣的經濟的成長各個層面來講都是還是很穩健的我問你喔這樣台股有沒有被低估有沒有超低有沒有"},{"start":4053.756,"end":4059.58,"text":"有沒有超跌如果說我們從去年的2800多點上漲到35000多點然後現在是collection到33000 32000的話我覺得還是正常的"},{"start":4070.789,"end":4077.152,"text":"所以跌的很正常就對了所以你說跌的很正常 央行總裁點兩點 台灣股市跌的很正常我想當然啦 我跟委員報告啦 我不是股市的專家啦"},{"start":4092.059,"end":4108.835,"text":"價格 包括匯率 股市 金融資產上上下下都是正常的只是說 比較怕他上漲得太高結果跌下來跌得太重我們過去有沒有上漲太高我們前一陣子有沒有上漲太高"},{"start":4110.798,"end":4117.346,"text":"我個人我不是股市的專家我想我也不要在這邊做某種的一個那這樣的話有些股民有些時候他聽了不爽快我想我還是不要發表意見好了你剛才已經發表很多了"},{"start":4129.676,"end":4156.338,"text":"你剛才已經發表很多了 不用了這個楊金龍總裁頂兩頂現在股市向下是修正 正常狀況什麼都不怕你的意思就是這樣我的意思是說什麼都不必怕不是 還是要謹慎啦投資這種每一個人的投資的動機都不大一樣所以我在這邊講的時候我沒辦法對每一個人的投資的那個動機"},{"start":4157.219,"end":4159.021,"text":"你今天現在講說我們央行估算優價一年85塊錢一桶"},{"start":4174.361,"end":4176.923,"text":"現在我們了解大部分的機構都是他現在的中位數大部分都是說85塊可是萬一漲到150呢"},{"start":4190.735,"end":4219.054,"text":"那到時候再重新再那個再重新再做一百五十什麼概念啊講到一百五十就代表打仗啊代表打仗啊那個委員我也可以這麼說啦那如果漲到兩百塊呢那漲到兩百五十塊呢我總覺得這種機率呢都不是很高以目前來講的話都不我也可以說那漲到一千塊啊那這個機率就幾乎近乎零啊"},{"start":4220.496,"end":4245.396,"text":"所以這個還是要看機率啦你要小心喔 你要講說賬一千塊 大家怕死喔沒有沒有 我說機率是零 我說機率是零一千塊 一年只會賬到一千塊所以我就說 我的意思就是說在這邊講說他要賬到哪裡 賬到要有依據不要隨便就說我是會兩百塊啦 會升百塊啦因為現在已經有一百多啦 沙烏地阿拉伯的官員講說會一百八啊"},{"start":4247.417,"end":4271.571,"text":"我想他在講這句話的意思是說可能會漲到這個某一個時點會漲到這個點但是全年的平均有可能嗎會那這個就是說他的機率是怎麼樣所以這個是要用機率去如果有打仗打到年底就可能了怎麼可能打仗一直打到年底就可能不過這個機率也不高"},{"start":4273.699,"end":4294.127,"text":"你認為什麼時候可以這個機率也不高因為從我剛剛在講我剛剛是要從歷史的經驗來看然後第二個我就說美國的副總統他也就說可能是四桌到六桌我覺得美國的態度可能我們會稍微應該要比較相信一點"},{"start":4295.029,"end":4323.069,"text":"所以就是再兩個禮拜再進出我也不敢這麼說因為他也沒辦法做他也沒辦法做這樣的一個所以這個是兩兆之間這個油價一直漲會產生全球性的通膨這句話對吧他會上全球的通膨看他第一個他漲的幅度是怎麼樣這是第一個第二個呢每一個國家的漲幅可能就不一樣"},{"start":4324.468,"end":4335.445,"text":"每一個國家的帳戶就會不一樣為什麼因為每一個國家他的對石油的需求對石油的需求他就不一樣啊我們台灣的需求相較韓國相較日本我們需求是相較比他們還低"},{"start":4341.032,"end":4353.5,"text":"我們都進口的相較低對對對我們有做進口但是呢他進口的量還是比我們高你講絕對值但是比例我們是很高的那央行我看你這裡要說你們隨時準備銀子就是要維持到32塊錢對不對"},{"start":4359.914,"end":4386.588,"text":"你說是我們要維持在32塊錢什麼32塊錢 匯率匯率我們還一直都說匯率是由供需來決定我們供需決定 沒有確實就是這樣子 市場就是供需但是如果說對於市場有影響到我們的金融的秩序"},{"start":4387.188,"end":4391.952,"text":"那是什麼時候?那就是他逼迫32塊就是了啊沒有 這32塊 我覺得第一個 中央議員一直都不會就說我們升的防線是在哪裡 我們貶的防線是在哪裡都沒有 所以沒有揚金的防線就對了都沒有 但是我要跟委員報告 就說"},{"start":4411.568,"end":4428.062,"text":"剛剛我也一直在強調中央銀行在現在目前這個通膨的一個議題上第一個我們要比較注意的是輸入性通膨輸入性通膨到目前沒有輸入性通膨的話就跟我們的費率有關"},{"start":4436.413,"end":4441.68,"text":"這個台幣的改版喔全部一百塊 兩百塊 五百塊 一千塊 兩千塊頭部要改嗎"},{"start":4445.308,"end":4458.457,"text":"我們現在還是在考量不過跟其他的先進國家它的鈔票的張數不是張數就是說幾張幾張像有的都有8張的有7張的有6張的有5張的也有4張是比較低4張也有但是大部分都是在5張以上"},{"start":4472.006,"end":4477.108,"text":"我們是五張我們是五張啊可是我給你算一下100塊錢的市佔率大概25到35%200塊錢小於1%2000塊3到5%1000塊40到50%500塊15到25%200跟2000就不要了如果接這個改就不要了不夠 2000還用啊"},{"start":4498.609,"end":4511.834,"text":"不過委員每一個國家他有幾張幾張他也不是說哪一張比較低他就把它淘汰掉沒有這個是一個搭配剛剛委員就說那這張不要這個就你個人來看啦整體來看的話這個搭配起來是很好的啊"},{"start":4523.138,"end":4549.631,"text":"200塊那個市場的效益一拍那我跟委員報告事實上很多國家的二字頭它的流通率也都很低但是他們也有說流通率低很低然後他就把它剔除掉沒有你總共要花多少錢做改版花多少錢做改版我們也已經講得很清楚啊如果改版的話一張大概會增加成本1.5塊錢"},{"start":4551.032,"end":4552.236,"text":"那現在說看總量嘛因為總量現在50億"},{"start":4560,"end":4587.148,"text":"不一定不一定啦不一定先讓我跟委員報告啦就是說我們反正都用張數來計算1.5下一次你們就講是50億啊沒有那大概就是說但是說實在說實在很多還有很多是多少多少第七波的信用管制從打草薄其實房市現在幾乎已經硬著陸了在硬著陸上現在有硬著陸嗎"},{"start":4590.071,"end":4607.317,"text":"在運作路的路上所以你現在我們很密切的注意所以你現在維持市場穩定力放寬第二戶可以貸款次數增加就是想要不要讓他一直運作路要他變成運作路這樣講對嗎"},{"start":4609.959,"end":4624.379,"text":"我們還是在強調要軟著陸啦這個就是我們的基調就軟著陸啦要讓他軟著陸現在呢我們就說房價是在反轉的開端而已啊開端而已"},{"start":4625.691,"end":4630.495,"text":"我們密切的關注我們密切的注意好 謝謝 謝謝賴委員下一位請郭國文委員質詢"},{"start":4658.873,"end":4660.357,"text":"謝謝主席 有請楊總裁請中央議員楊總裁"},{"start":4667.873,"end":4691.969,"text":"國務院長總裁我想我也是來問一下房市的問題這一次的集中度相對有大幅的下降從37.6%降到36%但是顯然這一次看起來央行雖然非常注重這個集中度但關鍵還是在於說房價的漲幅所以還不到放鬆的時刻民眾的購屋都是主要國家當中最高的"},{"start":4692.449,"end":4721.082,"text":"所以關鍵還是房價嘛就如同你在溫暖的喊話說只要建商讓利的話交易量就會出現這一說法其實說來說去關鍵就是房價可是這樣房價的情況底下呢目前為止啊我們一直想要去做這個信用管制從2020的12月到2024的9月第7波以至於到今天為止其實那個央行啊處理這個信用管制已經也長達4年之久"},{"start":4721.762,"end":4735.311,"text":"就叫前一波的六年其實已經相近不遠那是不是代表著說房價只要沒有朝向這個所謂的軟著陸的這個跡象或到一定的幅度的情況底下這信用管制會持續進行是不是這樣子總裁"},{"start":4737.694,"end":4759.691,"text":"我想這只是其中的一點而已不是說那一點很大點吧這一點這個也是其中一點另外一個就是說現在以現在來講的話譬如說中東的戰事中東的戰事中東的戰事沒有中東戰事我們就有信用管制對所以我們也是必須要非常小心"},{"start":4760.011,"end":4788.732,"text":"對 所以說但是呢其實在這一次的房價過程當中呢其實有一個政策其實會變成推波助揚的效果也就是新青安新青安的這一個2.0 1.0討論了很多過去總裁也有講過因為新青安一開始太過於寬鬆造成許多負面的影響央行也付出了很多代價來刪後這是總裁你自己說的喔新青安的1.0到7月的時候就要到期接下來2.0要上路那過去你認為太寬鬆的部分是什麼"},{"start":4789.986,"end":4804.7,"text":"是不是他那個寬限其實從3年改做5年應該不是800變成1000或是繳那個貸款還款的時限從30變40到底是哪一個太寬鬆哪一個你會擔心如果說2.0出現的話會不會重蹈覆轍卓財"},{"start":4808.263,"end":4828.861,"text":"有沒有什麼呼籲事實上委員也點到了問題了啦你也點到了問題啦不過呢 我在想以財政部還有相關的部會來看就是說包括內政部啦 中央銀行啦 金管會啦這些都有在 現在都有在你要不要喊話一下 在那央行的高度你認為是不是要縮短"},{"start":4829.953,"end":4858.806,"text":"寬限期寬限期如果說據我了解就是說財政部的資料顯示就是說很多一部分都是在三年以下就75%以下都是在75%以下都是25%在炒作25%是在五年我現在請教你的看法不是財政部的說明那我是總覺得就是說當然啦"},{"start":4860.847,"end":4869.494,"text":"就一個弱勢者來看的話他五年也許對他是好的不過呢我說我個人的看法我覺得就是說"},{"start":4875.58,"end":4892.806,"text":"一個寬限期如果太長的話不好一個寬限期太好的時候呢就這個借款人如果你如果說寬限期太長的時候不好五年太長嘛我們現在慢說五年是不是太長我們就說如果太長的話呢會導致他的一個財務的規劃呢比較鬆散"},{"start":4898.848,"end":4903.092,"text":"會鬆懈如果說我們讓他縮短一點的時候也許他的一個財務的規劃會比較謹慎這樣的話對他也很好對銀行也很好你實在太客氣了總裁我想你大概已經點到說那個寬泉期確實是造成你困擾一個很重要的原因因為以前講過很困擾這個確實會有造成這種現象拉回來說"},{"start":4924.312,"end":4938.451,"text":"剛剛在講說你把第二戶放寬到六成的這個部分普遍社會反應是好的一來很重要的關鍵原因是因為今年已經陷入這個交污潮你如果沒有的話你可能會造成違約潮"},{"start":4940.214,"end":4954.694,"text":"違約草的話一般的購買方他可能會造成違約金會被拿走之外也會造成許多的困擾所以你現在的這個反應是好的我想你用意可能是怕造成這樣的結果但是我必須說"},{"start":4956.296,"end":4984.862,"text":"從房貸的這個平均利率的部分 販款利率的部分從2024年的這個8月就是您在實行第七波的管制的2.5%到2.88%到今年的部分已經到2.60%到3.30%可是你去看銀行這兩年的販款那個利率利率不用講存款利率不用講 販款的部分大宗的周轉金的販款是下降的消費的貸款利率是下降的唯獨購屋的貸款利率是上升的"},{"start":4985.842,"end":4999.408,"text":"而且是平均上升的0.16這代表什麼因為銀行嚴格審查這個房屋的貸款案件之後呢變造成啦是一個貸方的市場借方的市場也就是消費者自願提高利率來爭取這個貸款的成數"},{"start":5001.229,"end":5019.533,"text":"有這種現象那同樣的問題啊現在房價高居不下的情況底下你即便讓他那個比較喘一口氣五成變六成可是你利率的負擔沒有下降啊對不對你看看喔央行所做的統計喔去年的部分呢本國銀行賺了6175億比前年呢增加了773億成長了14.3%喔"},{"start":5025.194,"end":5040.84,"text":"那就是說呢銀行現在再加上今年是交付潮會不會姿態更高會不會把這個利率拉得更高你結果呢買第二戶的人他承受的壓力就會更大莊太第二戶的人是什麼樣的人你們報告中也寫得很清楚嘛"},{"start":5041.26,"end":5061.11,"text":"你們肯定多數的第二戶都是屬於自己或家人自住嘛也就是所謂換屋啦就學啦就業啦需求啦或鄉下老宅不能住的情況底下才巴不得已再買第二戶嘛不是嗎總裁這種情況底下這樣的利率負擔總裁你要不要跟銀行喊一下話不要趁火打劫可不可以"},{"start":5063.11,"end":5090.527,"text":"我想就是說就銀行他的一個放款的一個practice他的一個實務來看的話第一個他的定價還是以風險為考量啦每次都說風險管理但是我就問你嘛同樣的放款有兩個下降的一個是上升嘛現在這就是信用管制的後遺症啊銀行就是藉由你的大刀"},{"start":5091.707,"end":5106.173,"text":"來砍向老百姓啊這個我也跟委員報告你不殺柏仁 柏仁是因你而受傷或死亡啊不不不你不想要這樣子 結果就這樣子了總裁因為就是說你要約束一下這些銀行啊是"},{"start":5107.754,"end":5117.206,"text":"不然那個承擔罪過是在你身上啊總裁我要做善意的提醒我不再做譴責了好 委員我們針對委員這個議題我們再來深入的跟銀行來了解對 有道理嘛"},{"start":5122.913,"end":5146.189,"text":"你應該找他來喝個咖啡 喝個茶 喝個白開水都好不要造成那個購買方的壓力第二戶就相信報告的第二戶大部分都自助你自己寫的啊 對不對那如果第二戶都要自助的話第一個原因就是利息你不應該負擔過重嘛不是嗎第二個原因是什麼這個六成有沒有機會再變成七成有沒有可能"},{"start":5147.352,"end":5170.094,"text":"假以時日啊如果等同一支柱的話就跟第一戶差不多啦如果您的判斷是如此的話還是要保留一個戰略彈性空間將來以後再說我想委員的這個意見我們來深入來跟銀行來討論因為每一家銀行的practice是不大一樣的普遍是增加您的報告就講了獲利率增加14.3%"},{"start":5172.556,"end":5197.568,"text":"這是你寫的所以說他很清楚嘛他獲利的來源在哪裡嘛你看起來看他你很溫柔的對待他吧這個貸款的這個比例增加但是貸款的利息卻更加的沉重總裁我是跟您分享民間的一些看法我不希望你在執行國家政策當中負有太多的一個不必要"},{"start":5197.568,"end":5199.749,"text":"最後一個問題我想問一下總裁的部分我們之前有對話過黃金的問題"},{"start":5222.634,"end":5243.245,"text":"房金起起伏伏啦大概我們現在大概總用了房金的存量全球排名第13名然後大概有兩兆之多目前在外匯的比例大概佔一成現在呢大概過去的話大概5%是因為價格增高但是我想問一下當初你說你如果說呢可以的話你也不排除要買進最近有買嗎"},{"start":5244.566,"end":5263.535,"text":"最近沒有買三個月都沒有買沒有你也不管他起起伏伏沒有可是你整個整個外匯儲備的這個配比的部分的話難道黃金就是固定到5%或10%還是要全部都壓在這個美債嗎沒有一個固定匯率的政策嗎央行的一個政策是一個我們會試時機啦"},{"start":5266.696,"end":5284.923,"text":"timing現在不是timing,好的timing即便戰爭打成這樣子也不是好的timing我想也不是都不考慮現在還沒有還在看適當的時候還沒有,時機好的時機還沒有到所以說配比事實上是可以拉高的"},{"start":5286.323,"end":5301.913,"text":"我們也有想要就進場但是這個不是timing也有想要進場但是還不是好的timing所以配比是可以拉高的不是固定的好謝謝總裁謝謝主席謝謝來謝謝國委下一位執行委員請林黛樺委員好主席有請總裁有請莊議員楊總裁"},{"start":5317.466,"end":5330.601,"text":"本席也是針對這個台幣匯率的穩定不應單靠美債就我們這個我們本國央行美債尤其是供應國家的債券跟黃金的配比的策略也是要救教這個總裁"},{"start":5332.443,"end":5355.316,"text":"那我想在外匯存體的部分的治理不過有這個三層保障當然貨幣政策以穩定為優先外匯存體是台幣實質購買力的核心支撐這也就是為什麼我一塊麵包可以用30元台幣而不是用3000元台幣來購買所以這也是穩健的外匯存體跟貨幣政策保障了人民台幣購買力"},{"start":5356.697,"end":5370.328,"text":"那外匯存底的這個穩定的外匯存底跟黃金儲備人民也得到三個保障那第一個匯率與物價的緩衝保障當外部衝擊來的時候央行更有能力來穩定市場減少進口物價 油價"},{"start":5372.049,"end":5393.376,"text":"原物料與藥品價格被匯率波動放大的風險第二個呢這個保障是金融跟就業的穩定保障企業與銀行的外幣調度若更穩金融市場就較不容易因為突發的震盪而緊縮對投資融資就業當然有幫忙"},{"start":5394.236,"end":5402.959,"text":"那第三個呢這樣的穩定的一些政策呢也讓國際貿易與企業競爭力成為國際貿易跟企業競爭力的後盾外匯存底及黃金儲備會穩定新台幣對外匯率與確保國際支付的能力為企業在國際貿易中提供這個"},{"start":5417.003,"end":5434.358,"text":"安定的貿易基礎我講到這個啊其實當然外匯的台灣的外匯存體跟黃金擴存配置是否合理那在這邊呢我講到這三點保障其實是我要給央行說聲讚啦其實在外匯存體6029億的美金當國際金融震盪兩岸局勢緊張尤其現在"},{"start":5440.803,"end":5465.966,"text":"全球油價蕩漲的時候我們這筆錢確實是用來穩定新台幣穩定物價保護我國民生開支的最後一道防線美伊戰爭之下台幣匯率目前是穩定的所以在這邊也感謝總裁跟各位同仁的用心那當然我還是會提到這個台幣穩定台幣價值的兩大支柱的對比到底黃金儲備跟債券"},{"start":5466.647,"end":5495.59,"text":"那黃金還是硬通貨啦這個價值基礎具有內在的價值而且是避險之王不會隨著國家的信用消失而歸零如果現在真的發生債券要貸的話會是貸黃金不會是貸鑽石其實理由就在這邊那債券呢這個是本席的這個對於為什麼本國持有這麼高比例的美債我是有疑慮的還是在於債券它是他國的信用保證"},{"start":5496.451,"end":5502.335,"text":"它的價值基礎完全取決於發行國的幣值跟主權債性也就是會面臨發行國的通膨與信用貶值所以當美元在貶的時候我們國家也可能會跟著貶"},{"start":5514.762,"end":5519.067,"text":"它在美元漲的時候我們台灣的這個台幣也會跟著連動性的漲這就是一個我們要注意所以財務操作的基本原則是風險規避我想這個是基本常識"},{"start":5531.64,"end":5554.407,"text":"財務操作的基本原則是風險規避所以美債持有將近外匯存底的八成甚至八成五為什麼把雞蛋全部放在同一個籃子裡有沒有評估增持其他工業國家的債券呢以間接強化外交的影響力比如說我想目前我們最"},{"start":5557.228,"end":5573.381,"text":"一個事件在美中的加稅的競爭當中中國他就澄清喊出說如果美國你再繼續對我中國做不合理的加稅的話那我就要拋售美債"},{"start":5575.582,"end":5594.18,"text":"這就是對於在只有當一個債券的持有是對於外交的影響力我是不是也可以對其他的工業國家本國我們對於德國日本的債德國他也可以發行美債啊英國也可以發行美債啊日本也可以發行美債啊"},{"start":5594.6,"end":5622.601,"text":"當然他們國家的債券我們當然也可以評估有沒有可能這樣的這也間接的在我們影響外交影響力當中我們的貨幣政策是可以盡一點心力的另外在投資學的三大原理流動性跟獲利性跟安全性當我國過渡只有這麼多的美債這個安全性又在哪裡呢總裁你先暫時先把這個我的問題先放下我們再看黃金"},{"start":5623.582,"end":5648.99,"text":"黃金在各國 這個是我調出來的資料這個各國持有美國公債的比例跟黃金的比例我就看後面這五年2020年3月到2025年3月這當中國際上持有美債其實是最後的2020到2025是持平的甚至也緩慢下降但是黃金是升值的"},{"start":5650.09,"end":5672.344,"text":"這個是一個國際趨勢好那在這個是你們提供給我的我們從78年一直到115年2月我整個的黃金的存底的存庫38年來是持平的這跟國際上的一個局勢上好那所以這也要救教總裁那為什麼黃金"},{"start":5672.944,"end":5681.009,"text":"不爭持呢這兩年來的黃金價格從2176美元超到現在5211美元漲幅高達110%當然這一兩週有下降但是你不可以去否認一件事實這樣的一個是呈現一個上升的趨勢黃金作為實質保證的戰略價值當全世界央行都在這個曲線上獲利"},{"start":5702.964,"end":5717.986,"text":"避險的時候台灣央行的黃金石油量卻是一條死魚幾十年沒有成長好我在這邊有一個具體針對這兩個這樣的訴求總裁你可以一併的表達您的看法"},{"start":5718.567,"end":5740.241,"text":"在降低資產配置高風險的策略提出如何解決主要債券過度集中的風險的說明是否評估增持其他工業國家的債券來分散風險並間接強化外交影響力另外也提出黃金持有策略的評估報告為新台幣提供更強大的實質支撐對應全球的債信貨幣的貶值潮總裁您回應一下"},{"start":5748.926,"end":5771.181,"text":"我覺得委員分析得很好你分析得很好不過我想因為你時間也有限所以你也要我們做功課那我非常贊同就是說我們也來做個功課來看看能不能來說服我們委員所提出來的這個"},{"start":5772.022,"end":5774.263,"text":"說服啊 表示都不調整啊當然啦 就是說這個我所謂的說服的話呢表示就是說我們的做法是什麼也不是說硬梆梆的就NO 也不是這個意思好 那兩週內提供出來好嗎是是是 一定會"},{"start":5792.512,"end":5819.553,"text":"那另外本席要針對這個當然了外匯存體是可以穩健但不能過度集中這是本席一再強調其他工業國家的債券是否也予以評估黃金可以不追高但是不能沒有策略來維持國內物價跟獲利的穩定央行必須具備與時俱進的合理外匯存體跟黃金資產的配置那這是本席的還是一個追蹤的期待"},{"start":5822.175,"end":5851.147,"text":"另外我針對信用管制的無差別性台灣房價的所得比就是衡量購屋壓力的指標呈現的是區域分化六都跟其他縣市即使是六都 北 中南高雄市跟台北市整個在購屋壓力的指標就已經有很大的不一樣所以央行是否考慮分期管制"},{"start":5851.787,"end":5877.807,"text":"譬如說針對特定的房屋過熱區淡黃區實施高強度的管制但給予非六都或基礎建設發展中的地區或者是北中南東我們的區域發展是不平衡的是不是給予非六都或者是北中南東不同的區域或者是在基礎建設發展中的地區有較大的信貸彈性"},{"start":5879.668,"end":5902.901,"text":"那給予支持地方創生跟人口回流所以在這邊是不是您願意來評估滾動式的檢討納入區域差異指標在你做信貸的時候因為就我一個直轄市高雄市我就覺得我跟台北市的資源長期以來就分配不均了我不要說六度光是六度我就覺得北中南"},{"start":5903.661,"end":5925.18,"text":"就已經有很大的差別了我們跟台南跟高雄跟台北我就覺得差別很大包括新北也是一樣我都覺得我們都覺得相關的資源基礎建設我們南部高雄就有一條快速道路你很難想像你在台北新北基隆桃園"},{"start":5926.661,"end":5945.168,"text":"幾十條的幾十條一二十條的這個快速道路你很能想像喔快速道路我們高雄只有一個八八屏東高雄一條現在要增建第二條叫做國七你看北部台北新北桃園基隆包括它的這個捷運的綿密度"},{"start":5945.968,"end":5966.327,"text":"所以光是這樣的基礎建設 包括 只是說你在做信貸的時候我希望你能夠納入區域指標 針對六都與非六都 這是一個指標你針對區域的發展 北中南東也是一個區域指標能夠呢 這個 以及呢 在基礎建設發展地區需要較大的 譬如說特別一些農業區"},{"start":5967.888,"end":5983.285,"text":"等等你應該採取差異化的管制標準例如差別的貸款陳述避免信用管制變成區域歧視總裁您怎麼看這樣的一個建議呢您的建議我們會考量"},{"start":5984.406,"end":6010.611,"text":"好您這個也可以兩個禮拜評估一下我覺得這很嚴肅喔在這個信貸當中你的一個打房政策跟我們這個新清安的這樣子當然是很矛盾我在總諮詢都有提出來那當然現在是對於本身你要做再持續的做信貸的一個這個放寬或加嚴的時候我相信我要請託你在區域的均衡上這個一定值標一定要納入好謝謝 以上好謝謝林委員下一位請劉書斌委員質詢"},{"start":6030.051,"end":6031.601,"text":"好有請楊總裁請中央銀行楊總裁"},{"start":6038.415,"end":6059.533,"text":"劉仁早總裁早我們現在首先來討論一下台幣改版的問題在看到現行的台幣它的偽造率是非常低的數位化的支付也在提升我想你們這次要改版的一個很重要原因可能是防衛技術要升級還有數位跟綠色轉型是嗎這是你們最主要的目的嗎"},{"start":6065.777,"end":6088.104,"text":"我想呢最主要的目的呢也是在於這個議題我來是不是請我們的發行局來回答這個問題不過我想因為時間這個是應該從你們報告當中拿出來的這是其實這兩個目的是最重要的嘛對不對這個您說哪兩個是最重要的防衛技術升級的需求還有數位跟綠色轉型的需求"},{"start":6089.585,"end":6114.062,"text":"我想一個改版也不是就只有這兩個目的當然當然也不是這兩個目的我跟委員報告台灣二十幾年 二十四年我知道我知道二十四年我們才改版事實上我們裡面的design我們的設計說實在跟我們台灣目前在經濟 社會 文化方面都已經是"},{"start":6115.863,"end":6131.827,"text":"我知道總裁我知道這個議題我都看過你的報告我現在想問的下面就是說這個改版看起來有24年沒了所以有些需求對不對那我現在問題是你們在規劃呢是應該是2026年訂稿之後經過設計的他會置版跟試印嘛最快是2028年117年要去編列預算起來說立法院通過順利的話就會開始首批印製嘛對不對對那請問一下那這樣子會因為現在"},{"start":6142.569,"end":6151.8,"text":"中東的這樣的情勢我們的預算什麼的中油啊台電都大幅增加支出等等你們還有動漲嘛對不對那這樣子你們會不會延後的這樣一個執行不會好不會那沒關係我再繼續問下去那不會齁這個之後應該只能增加十幾億嘛對不對每年大概增加十幾億"},{"start":6161.511,"end":6172.735,"text":"我們會就是說每張到目前為止我們評估還是會就是說會增加成本1.5OK了解好我現在問最重要的是有特別性之後你們會增加二字頭例如說200 2000個新超比例對不對那這樣的一個情況就是說這個比例增加大概會多少"},{"start":6178.217,"end":6186.843,"text":"那會不會增加因為通膨或是說你每當會節省一些預算因為你印製的成本每次都不用再每次再換鈔我想這個兩百兩千會不會增加通膨節省這個不會增加通膨吧應該不會"},{"start":6197.53,"end":6206.717,"text":"應該不會啦你的感受讓民眾感覺尤其現在呢我以每次兩百塊的比例兩百塊的拿出來如果變得比較多每次有兩百塊那變成說呢我的物價可能就說剛好有兩百塊本來從一百塊出頭變成變成接近到兩百塊啊那當然有這個需求啊不會啦"},{"start":6214.483,"end":6232.649,"text":"形式上面就有這樣的一個狀況嗎不會因為這個超卷就是說一百兩百五百一千兩千這都是一個搭配啦不會我們就說我們兩百就增加了兩百的話呢那會不會就是說導致通膨不會"},{"start":6233.689,"end":6251.146,"text":"那你要隨時追蹤喔 你到時候要追蹤喔那另外我們繼續再往下看喔光學識別系統跟硬體的更新你們看到這樣子的一個圖上面很像政府的政策都有民間負擔這邊部分會不會有些會不會有些差異性政府要做一些幫忙在光學識別設計上面還是都一樣嗎"},{"start":6256.427,"end":6275.067,"text":"你所謂的硬體多要更新 明天你增加改版對不對對對對會啦 但是呢這個是他一share了以後呢就應該就是說就不會就很多啦因為我們如果說就硬體來更新的話大概就是說全部是16億是不是"},{"start":6277.13,"end":6291.801,"text":"那你16億元那是由民間來支出嗎那你是不是要做一下補貼民間是民間對啊是民間啊但是你增加他的預算啊你增加16億的支出你不需要幫他支付一些費用嗎"},{"start":6295.322,"end":6300.688,"text":"總裁你必須要苦民所苦就算是銀行或是點鈔機等等的啊我想是這樣子啦就是說他如果說就廠商來講的話廠商去ATM調整的話呢那是廠商賺錢是反而是他賺錢啦而不是他負擔啦"},{"start":6315.984,"end":6326.654,"text":"沒有我說 你說光學 識別鏡 硬體等等的這個不是增加負擔嗎 你的角度看起來很奇怪這個大概就是說是銀行要負擔那銀行負擔的話 我總覺得如果說以16億來講的話如果說16億來講 銀行那麼多"},{"start":6336.963,"end":6343.847,"text":"賺的錢很多可以支付起來就對了是不是我總覺得對銀行來講那超商的部分怎麼辦 點等的部分你要從民間的角度去看你現在應該是一個我想我跟委員報告像這種調整像這種調整以前都調整過了那以前調整過的話它在調整的過程都很順利那這些的問題以前也都面臨過"},{"start":6363.559,"end":6381.451,"text":"所以在經驗上應該就說它不是一個大問題我們繼續往下看這部分有沒有包括紅色的部分應該是您個人喜,接下來的這個有十二項你們個人喜這部分當然已經知道是保育生態那這邊你自己的喜好呢"},{"start":6383.211,"end":6392.762,"text":"你說我的喜好你如果在那個16項12項當中您的喜好這部分您的選項是什麼我個人的是不是對我個人選項我剛剛也都在講啊他我們那個我們不會說按照1234這樣來排列啦這些都可以做參考啦"},{"start":6400.39,"end":6416.882,"text":"那您的選項沒有我的選項 我總覺得這都很好這都很好我們繼續 終於看到一個重要的問題央行這邊呢在19號的時候呢他做了一個國際原物料的原油價的這個因為有預測從58.3元變到85塊錢然後CPI變成1.5 1.8可是這個1.8其實是因為有了這個還漲的機制嘛 對不對不然本來應該是2.15對不對那現在問題是說CPI"},{"start":6430.291,"end":6443.838,"text":"超過多少央行才會準備要升息我們一般來講都說2%是一個警戒線不過我總覺得2%它不是C0它不是那個最高點因為就是說2%就中央銀行來看的話2%是中長期的目標"},{"start":6454.404,"end":6463.854,"text":"對 可是總裁 你當初我們看到了 你在報告上面就出現了實際上如果真正加進去沒有這樣的專案緩漲基礎就2.15了嘛 對不對那過去大概2.5的時候大概就會調升了嘛 對不對這個到時候再說啦現在也不能說我們2.5我們就一定要升啦"},{"start":6474.565,"end":6477.226,"text":"那如果以其他國家的央行包括歐洲央行跟聯準會齊高了呢我跟委員報告你看看他現在那個美國的PCE他的通膨他都2.8還有扣還3.1但是他說他當然他現在他的計畫是要下降的要降息的"},{"start":6497.637,"end":6501.918,"text":"那個是美國總統他去干預他們的聯準會啊這個是聯準會他自己說的不是美國總統要指示他在這麼做的不是他的2.8跟3.1現在他的通膨率但是他還是在講說他可能要到2028年才能夠達到所以他的降息他現在在講的降息"},{"start":6524.324,"end":6534.471,"text":"楊洋總裁你剛說你可以知道你這個資料是從什麼時間出的因為三月二月底沒有啊他最近而已喔好如果是這樣的情況之下你可以看到國際趨勢你看還有不只是美國那跟還有歐洲這部分各國差異有差異我們就繼續再往下看那另外一個部分是看到的是中油現在累計的虧損到去年年底就804億對不對財務有緊繃那您知道他已經有提出3500億的四年增資計畫嗎"},{"start":6550.901,"end":6552.562,"text":"那請問從523章2022年開始到現在中油增資央行有沒有關注到經濟部或是中油的原物料的避險的事情"},{"start":6569.256,"end":6582.486,"text":"這個是他的職權啦而且我跟委員報告他們中友跟他們台電他們自己內部如何來避嫌我覺得中央銀行是"},{"start":6583.987,"end":6600.157,"text":"是沒有這個沒有啊總裁你不要你要講的清楚你雖然看起來是看起來是經濟部的資訊但是物價是由您在決定和穩定度通貨膨脹是您來決定他如果有問題的話是不是你要決定我跟妳報告一下就是說"},{"start":6604.6,"end":6628.132,"text":"我們二五戰爭的時候 包括現在中東戰爭它這個都是原物料 都是供給面都是供給面的因素所造成的那供給面的因素所造成的 就要讓供給面的政策去對付它那供給面的政策對付它 這個行政院它就有一個物價穩定的小組中央銀行 我剛剛也已經報過過了"},{"start":6630.293,"end":6633.235,"text":"我們中央銀行有兩個有兩個職責在這裡面呢第一個我們是涉及到匯率的問題涉及到利率的問題對然後想到匯率的問題我想到那現在美金需求就變得很多了所以不會影響到我們匯率現在匯率其實我們已經今天就已經出現這樣是不是要增加到32塊的這個標準啦"},{"start":6653.489,"end":6666.059,"text":"所以我就說了匯率我們會一定會抓這是我們的職責這是一片連動的啦我想最後再最後一個問題就是經濟部跟中央的這個能源物料原物料必顯的這部分您有了解嗎我們基本上"},{"start":6669.281,"end":6686.811,"text":"基本上他們的那個避險的一個措施我們基本上我們也都會有注意他啦不過呢這是他們自己內部所做的一個避險的我知道 但是你有知道因為你才做那個後面的這個物價穩定的部分嘛包括做過匯率的部分去做一些改變嘛對不對是 這個是他們的職權啦那這個是經濟部主要的那我們中央銀行也可以當然委員在講也沒有錯啦我們中央銀行也可以做一個advice啦"},{"start":6696.876,"end":6716.409,"text":"這只是說advice而已是一個對 就是你們互相有商量那我知道中央營養跟部會事實上是要做很好的在溝通是是是 委員這樣說也沒有錯啦OK 好 謝謝好 謝謝林委員下一位請賴會委員 委員質詢先宣告 等到本席質詢完畢之後休息五分鐘謝謝謝謝主席 請央行總裁 楊總裁請周一郎 楊總裁"},{"start":6729.548,"end":6729.95,"text":"那有人找"},{"start":6730.974,"end":6756.945,"text":"總裁早安本席來自於農業的險區在這一次中東的戰事其實不只是能源的問題其實也跟農業有相當大的受影響中東的戰事其實我們都知道美國是我們台灣最主要的農產品進口的國家"},{"start":6760.286,"end":6783.834,"text":"那這樣子的一個過程裡頭其實不是只有這個石油漲價所有台灣高度以來進口的各項產業其實都非常非常的辛苦尤其是說股物價格的波動還有今天要跟你探討的就是蛋回價格的一個波動蛋一頓從美金500漲到一頓美金700"},{"start":6787.535,"end":6808.211,"text":"那你看我們有很多農作物其實我們就需要養葬這個氮煤有氮煤的話我們的植物才會長得好這植物長得好的話那基本上就是說我們的畜牧產業才可以把這個牛羊還有我們的豬把它養胖養足"},{"start":6809.372,"end":6825.661,"text":"那可是我們看到央行在報告中有特別提到了從伊朗戰爭開始 燃油那個價格還有穀物的價格還有氮毀的價格都上漲了可是你在這裡你還是特別提到了就是說"},{"start":6826.961,"end":6852.326,"text":"這一個蛋回出口受影響那美國的農產品成品那個整個生產的這個成品也上升了那該用什麼樣的一個方式那顯然你在這一個看到你的報告裡頭你還是認為你還是認為就是說我們CPI溫和溫和的一個上漲那你甚至就是"},{"start":6853.88,"end":6868.837,"text":"這個其實我想很多委員今天一直在跟你抗議的就是說怎麼會是你的評估是這麼溫和呢你可不可以解釋一下我比較在乎的當然石油是最重要的可是我的蛋回就是影響到我的農產品"},{"start":6872.079,"end":6895.825,"text":"我跟委員報告基本上這些的因素就是說會影響到各種各種的一個像委員所列出來的這些的原物料的一個上漲那這個所以我就說第一個我們的行政院的穩定物價小組他就是有做一些的立即有做一些的因應"},{"start":6897.225,"end":6918.741,"text":"那我跟委員報告在俄烏戰爭的時候政府也是用這樣這一個供給面的措施來緩和我們國內的物價的上漲那在當時說實在的我跟委員報告那時候我們台灣用這樣的穩定的措施是"},{"start":6919.421,"end":6927.869,"text":"是我個人評估最有效是最強的是最好各個國家的物價都漲得很厲害但是我們台灣那個時候那個時候的那個漲價的那個我們算是溫和的有的時候那個時候美國跟歐洲他的物價都漲到10幾%但是我們最高才3點幾%而已"},{"start":6945.785,"end":6952.349,"text":"可是看起來顯然這一次的戰爭會打多久我們看起來就講不定那如果我們一樣又是用補貼又是用這個減增貨物稅又是用調價可是我今天告訴你的就是說我今天我的蛋回物價的一個波動不是跟酒油一樣 酒油是馬上去的"},{"start":6972.601,"end":6986.768,"text":"所以平穩物價的一個措施不是現在才開始那怎麼辦呢你要告訴我就是說這個可能這個淡回的一個那個波動他可能是半年後"},{"start":6987.708,"end":7003.827,"text":"是,不過委員我也很誠實的告訴你跟您報告啦,事實上我總覺得這個是農業部必須要來處理這個事情說實在的,我在這方面,農業方面我不是專家"},{"start":7004.528,"end":7019.494,"text":"所以呢我也沒辦法來跟委員報告就是說這個蛋肥這個上漲了以後呢我們怎麼樣來處理啊讓你的後面的這個後面後面的這個物價可是央行不是要對於全面的中東戰爭受到的一個物價的影響也必須要是全換位的嗎我們所謂的全面的是"},{"start":7025.802,"end":7048.237,"text":"就總體的物價來看的我們不是對每一項每一項每一項來看的如果說每一項每一項都來看的話那中央銀行的這個物價我們的利息要來上升調整的時候我們就沒有依準以你的經驗你一定會告訴我說這個我也不知道你認為這個中東的一個戰事會打多久"},{"start":7049.643,"end":7068.278,"text":"然後從數一四那個經驗裡頭就是過去我們長榮有一台船卡在這個數一四運河結果這個船隻卡住了結果物流延誤了一段很長的時間那它也造成了這個也是在後面"},{"start":7069.239,"end":7092.794,"text":"那也在半年以後才造成這個供應鏈的斷面然後全球的通膨那現在一樣就是荷姆茲海峽他把它鎖定了然後就說你不准走那不准走的時候油價就是上漲了況且好再請教一下總裁你現在認為一桶原油到未來不要說很空的一百億你覺得一桶的多少錢"},{"start":7095.646,"end":7118.213,"text":"你說什麼我說你的原油價錢一桶會多少錢一個禮拜以後你不要回答我說你的戰爭戰爭會那個打多久這個你不知道我不是一個預測專家所以我就說你不是一個預測專家可是起碼你要有這種能量你也可以算命這個就考倒我了"},{"start":7123.915,"end":7124.916,"text":"我們只能就說情境的分析啦我們只能就說我從58.3塊錢那時候當時我們就說一年這一年58.3塊錢"},{"start":7146.131,"end":7148.294,"text":"現在一個禮拜以後我的鹽油一桶會多少錢你的情境中我們是說這一年我們是85塊啊"},{"start":7163.113,"end":7176.76,"text":"從58.3%增加到85%那我們的85%不是說某一個時點的85%是全年的平均那近期呢近期的話大概我如果說我們現在來看的話近期應該是90到110"},{"start":7180.402,"end":7197.993,"text":"近期是90到110你的近期會是一個禮拜還是兩個禮拜我再想到3月底到4月中以前3月底到4月中我在3月底到4月中90應該不會那麼低應該是至少95到115左右"},{"start":7205.458,"end":7209.483,"text":"95到115這個短時間是可以這樣但是長期的話我覺得長期是應該不會那麼長因為應該不會那麼高因為如果說它在短暫之間在比較短的時間結束的話後面那邊油價應該是會下來的"},{"start":7224.209,"end":7249.307,"text":"好 那我想從你的報告裡頭你還是特別在提到了你在安撫大家這個疫情就是會通膨那你告訴大家說其實你的疫情通膨是溫和的因為政府採取了很多的評價那個平穩那個物價的一個措施不管是補稅還是那個就是調降還是補貼"},{"start":7252.049,"end":7266.521,"text":"總裁已經這麼久了我們老是用這幾招有沒有想到你那個國安基金是來平價股市那有沒有辦法就是用一個主權基金來那個穩定你的物價呢"},{"start":7269.924,"end":7291.683,"text":"一個基金一個基金它有它特定的目的那你的特定的目的你一個基金它要提供那麼多的目的的話就是說要扮演那麼多的功能的話不大事物價穩定基金我們現在面對的未來最多的地緣政治風險"},{"start":7294.865,"end":7320.54,"text":"其實我們是應該要提早準備的我們是應該要提早準備的你的看法是怎麼樣委員這個概念我覺得好像也很合理啦譬如說你剛剛講到國安基金國安基金就是穩定股市嘛那以前你提了這個概念事實上以前我們都有物價穩定基金"},{"start":7321.6,"end":7337.553,"text":"平穩基金它叫做平穩基金那這個地緣政治的一個風險是我們必須要去面對的是那個平穩基金但是這個平穩基金我覺得這個概念是以前我們也有討論看看啦研究看看啦不要講說這個跟你沒有關係這個絕對跟你有關係你是總裁耶進來的都是叫董事長而已謝謝賴委員"},{"start":7349.682,"end":7368.286,"text":"下一位諮詢委員請李坤成委員諮詢謝謝主席我們請楊總裁請莊議員楊總裁總裁慢慢來沒關係先喝口水再上來沒關係李委員早"},{"start":7374.247,"end":7391.936,"text":"總台長辛苦了謝謝你早上我也聽到很多委員都很關心第一個就是我們的經濟成長率第一個就是我們CPI那我先問這個經濟成長率好了那央行是預測經濟成長率今年有7.28%的成長率那其實都是高過外國的機構的預測他們預測大概6.4%左右"},{"start":7401.92,"end":7424.126,"text":"總裁是對於台灣的產業是非常有信心包含AI的產業我們這些應用科技持續的有出口但是其實黑天鵝也蠻多的像關稅的影響或是說中東戰事的影響中東戰事也不知道何時才能確定結束當然川普是希望說四月中旬之前能夠結束但是現在油價也還在漲"},{"start":7426.647,"end":7452.761,"text":"這個大概就像總裁剛才講的嘛短期間大概就是90到110這個區間那難道這些不會影響到說這個總裁對於我們全年度的經濟成長率的評估嗎會我跟委員報告所以就是說事實上呢我們我就一直在強調中央銀行的一個禮監事會我們是3月6月9月12月嘛正常的事"},{"start":7453.021,"end":7463.162,"text":"這是三月的評估就對了這是三月的評估那我們在六月呢我們會再次的評估為什麼這中間呢一定是要發生很多的事情"},{"start":7463.84,"end":7467.423,"text":"其實還是中東戰事影響最大所以我們就是說它持續的時間它的強度還有就是說它涵蓋的範圍這個都是我們密切注意的因為你們這個預測是說當時的油價是每桶85美元是是是 現在是全年"},{"start":7485.217,"end":7509.652,"text":"現在就是說看起來油價大概85這個價格有點低估了啦不一定喔現在我跟委員報告現在大部分的國際的機構大概也都是用全年全年全年85塊來做一個情境的分析當然他也有用70用80用100他也有"},{"start":7512.694,"end":7539.531,"text":"但是呢普遍大部分都是用85那所以總裁是對於這個7.287%以上的經濟成長率有信心就對了以目前來講的話因為我們在強調的就是說美國的四大CSP就是國際雲端服務供應商去年我們的出口很好就是跟美國的科技業是連在一起的"},{"start":7540.331,"end":7558.928,"text":"這些的科技業它的投資如果說很好的時候我們來出口就很好所以總裁認為是台灣的基本面沒問題我基本上以目前來講的話我們的基本面還是穩健的所以消息面短暫會受到影響長期拉到比較久的時間就今年來講"},{"start":7564.433,"end":7587.43,"text":"7%以上的經濟成長率還是有信心就對了到目前為止我們還是做這樣的一個預測那一個是經濟成長率一個就是CPI那CPI我看總裁的這個報告還是說維持溫和的1.8%也跟國外的這個評價起來稍微低了一點我們高一點我們有高一點嗎我們高一點那不是有到2點多的嗎他們是反而是比較他們是1.76我們1.8"},{"start":7590.352,"end":7609.187,"text":"也有機構平衡到2.2%因為每一個機構是不太一樣的我們就說這些著名的機構平均起來它是1.7%同樣的啦就是說油價在漲那當然我們現在油有讓它動漲或是說稍微吸收第二個就是電價也希望能夠維持這個動漲"},{"start":7611.949,"end":7638.966,"text":"這個油電的雙轉機制現在我們稍微把它稍微減緩了一下那可是呢這個會不會影響到說這個實質壽星階級的這個實質的薪資還是會受到影響勒是 會啦會啦還是會應該也會不過以目前1.8來講的話我認為他們還是可以吸收的啦還是可以吸收還是可以吸收的啦好"},{"start":7639.448,"end":7663.489,"text":"那現在有關房價的部分嘛然後這個房價這個房市信用管制部分這個央行現在把這個自然第二戶的購屋的貸款成數呢從五成放寬到六成那大家有在有在有在想就是說因為你們的報告也提出來就是說這個可能是會因為現在有這個大量新建住宅提出所以呢這個要持續呢"},{"start":7664.735,"end":7689.312,"text":"這個有這個推升代售新成物的壓力所以適度調整把五成呢提高到六成有助於消化代售的新成物是不是大概是這個用意就希望說房市能夠軟著陸是啦當然是說希望他軟著陸啦不過呢就是說剛剛講的這個預售屋的這個問題只是其中一點而已啦最主要的我總覺得應該是最重要的就是說要呼應民間對第二戶的需求啦"},{"start":7693.655,"end":7719.737,"text":"因為我們在報告裡面我們有談啦就是說第二戶的需求其實一直都有可是你們之前沒有放寬但是我們第二戶呢都是要必須要就是說我們是把它認為就是說如果說你是自住的自住的因為如果說我第一戶我給我的兒女我的太太或是我的父母但是我第二戶我是要我自己的"},{"start":7720.097,"end":7741.287,"text":"那你先就是說因為你從五成放寬到六成嘛對啊所以就是說呼應他們的需求啦真正的用意在哪裡這也就呼應他們的需求啊第二個呢就是說我們的信用管制也有一定的成效了啦也不能就是硬邦邦的在那邊啦這也是啦"},{"start":7741.787,"end":7751.292,"text":"那所以這個要預防或是說要讓希望讓這個房市軟著陸除了這個信用管制稍微放鬆之外還有其他的方式嗎"},{"start":7753.828,"end":7775.077,"text":"我想當然也許我們的產業也會因為我那個時候我也是覺得就是說要供體時間軟著陸的意思就是說你有些時候在價格上也應該要做一些給一般大眾的一個讓利"},{"start":7780.879,"end":7785.742,"text":"那總裁你所謂的那個讓利是指什麼是指價格希望能夠再往下應該就是說他可以在他的允許維持在一定的利潤的情況之下可以讓這個那總裁認為說讓多少是合理的讓利"},{"start":7810.879,"end":7811.082,"text":"哈哈哈哈"},{"start":7812.411,"end":7833.286,"text":"我也一直在想因為說實在的我對因為每一個廠商每一個廠商他的獲利是多少我都不曉得我們也沒辦法去知道啦只有建商他知道啦那這個呢就是要他自己評估啦那你如果評估的話假如說假如說他的我就說對總長你對於這些這些每個我們說產業好了啦這個產業不要講說建商就這個產業來講"},{"start":7841.392,"end":7861.549,"text":"那總裁認為說大概是讓利多少是一個也可以讓房市能夠軟縮利不過我跟委員報告啦說實在的啦在前幾年的時候他們我個人也許我講了他們不高興啦就是說事實上他們在前幾年他們賺的很多啦"},{"start":7862.269,"end":7879.45,"text":"賺的比較多那現在呢就是說慢慢的釋放出一些的話我總覺得在允許的範圍之內我覺得也可以讓所以總裁認為說稍微讓利其實是可以達到雙贏就對了讓利如果說讓利這個是供需嘛一樣的嘛這是供需啊"},{"start":7880.011,"end":7884.913,"text":"你的價格如果說能夠下降需求者覺得就是說這個是他符合他的需求的話那他當然他就會買啊你如果說硬梆梆的在那邊的時候價格抬那麼高的話那當然需求者他就不會進去啊那那個量就不會出來啊"},{"start":7898.66,"end":7920.605,"text":"最後我再問總裁就是說總統他有指示希望擴大自主都更這個政策然後卓議員長也希望說自主都更的時候要讓地主不要付大的成本來重建那因為現在影安法的第72條之二已經排除了都更危老的適用"},{"start":7921.605,"end":7939.693,"text":"但是呢你們還有一個對於各個銀行這個有這個不動產貸款集中度的自主管理那因為這一條會變成說讓這個自主都跟業者他們去申請貸款的時候其實是受到一些限制啦那其實過去這個內政部也有一個"},{"start":7941.314,"end":7955.569,"text":"也有跟央行有開過會嘛那也希望說是不是能夠放寬這個自主都更裡面那這個不要把這個自主都更的這個借貸的部分呢納入不動產這個貸款集中度裡面"},{"start":7957.19,"end":7984.366,"text":"這個謝局長好像也有來開過會嗎我跟委員報告說實在的啦事實上在我們選擇性信用管制的時候呢自主都更的這個部分都是我們排除的對象我們第一個排除在營養法是有我說排除在你的不公產集中管理啦那集中管理那我跟委員報告事實上我們集中管理對於那些就是說不必要你銀行不必要給他信用的"},{"start":7985.147,"end":7986.573,"text":"我們做這樣的 反而對這個"},{"start":7988.807,"end":8006.181,"text":"自住的都更的反而是有利所以我跟委員報告事實上從2021年他的本國銀行都更這個我們報告裡面都有我知道可是你這我現在是特別指說自主都更的部分沒有自主性都更跟這個都是包含在這裡面事實上你在講這個的時候我也跟委員報告事實上我們也跟有內政部開過會"},{"start":8017.45,"end":8043.059,"text":"開戈他就說你這個要換刊事實上我們跟他解釋了以後呢他就接受了所以到底現在有沒有納入這個不中產的集中的管理的額度裡面都已經就是說他都接受我們的說法也就是說都更的這個部分我們都把他排除在外了有排除在外就對了他不會影響到他所以他也一直就是說後來他就接受了"},{"start":8044.219,"end":8045.66,"text":"主席麻煩請中央議員楊總裁總裁"},{"start":8066.48,"end":8072.467,"text":"前年度台灣對美國的出超743億元去年度你有跟我說過說你預估是1200億"},{"start":8086.789,"end":8100.573,"text":"那最後大概是一千兩百零幾億嘛沒有 最後到一千五百多億的樣子是喔 有到一千五百多億對 一千五百多億那就幾乎又增加了一倍啦那從這個觀點來看這個國際貿易其實它的原則是講究平衡嘛對台灣東西出鈔那對於台灣賺"},{"start":8112.711,"end":8129.233,"text":"美金這個外匯非常有幫助可是站在美國的立場他一定會覺得說應該盡量平衡那所以從提高一年度就提高到1500億那假設今年度照你的報告"},{"start":8131.375,"end":8158.971,"text":"因為AI的關係你知道我今年度台灣的出口還是會暢旺所以很有可能今年度對美國的出招還會再更高是不是應該應該應該也是差不多啦不會就是說再更高啦不會再更高啦我覺得1500億就已經算是很高那現在再來就是因為這樣子的現象產生的後果要如何承擔呢現在是因為"},{"start":8161.815,"end":8176.334,"text":"這個國際在地緣衝突嘛美國以色列跟伊朗現在在衝突那另外烏克蘭跟俄羅斯侵略烏克蘭也還沒有結束所以現在很多資金是進入美元去避險"},{"start":8178.149,"end":8190.255,"text":"使得美元最近在國際間超強勢不然來講如果從國際貿易角度來看台灣對美國這麼多的粗糙台灣台幣對美金在國際貿易理論上應該是要貶值的"},{"start":8192.267,"end":8210.208,"text":"是不是啦 理論上應該是要貶值但是因為現在地緣衝突所以升值嘛對啊 那在這樣子的狀況之下將來台幣要如何避免要升值呢在地緣衝突結束了之後那台灣對美金那麼多的粗糙"},{"start":8212.17,"end":8237.564,"text":"我擔心台幣會快速升值欸我跟委員報告啦就是說市場都認為市場都認為就是說我們對美國的粗糙那麼多按照道理呢就是說我們的台幣要升值對啊他認為就是說我們台幣要升值不過我也跟委員報告那為什麼國際的貨幣最近在中東戰爭之後"},{"start":8239.565,"end":8253.765,"text":"每個貨幣都對美元貶值就大家避險跑到美國去 大家認為美元可以保值但是啊 因為避險 我用我們台灣的例子來看來跟委員報告就是說"},{"start":8255.604,"end":8272.903,"text":"如果說戰事一發生了以後美元在國際上它是搶的新台幣也貶值那新台幣為什麼會貶值新台幣貶值是因為外資在我們台灣的股市它抽出去了"},{"start":8273.868,"end":8291.778,"text":"他跑出去了那為什麼他抽出去抽出去他有吃虧嗎他沒有吃虧因為外資在我們台灣的股市呢他賺很多所以這個就是一個概念我必須要跟委員報告就是說我們的"},{"start":8293.739,"end":8306.029,"text":"經常帳或是我們的貿易帳即使是對他粗糙很多的話按照道理我們是應該要升值的但是他在我們的股市賺很多錢"},{"start":8307.597,"end":8335.049,"text":"所以那就是貿易帳的平衡了那個是對嘛也就是說你的經常帳你的貿易帳我賺你的錢但是他在我們的股市賺我們的錢啊是那在這個他跟我們賺我們的錢的時候呢這個外界都一直沒有考量到這一點他們都一直認為就是說我們賺多了錢所以新台幣一定要升值但是呢他都沒有考慮到他在我們的股市賺很多錢站在"},{"start":8337.47,"end":8360.006,"text":"這個是從國際貿易的理論上面來看那他從我們的股市賺了很多錢現在是因為國際地緣衝突所以大賣東亞的各國的股市把資金抽回美國他獲利了結嘛對但是獲利了結另外一個角度來講台灣的股票市場是一個健全的市場的話他將來還是會再大幅的回來沒有錯"},{"start":8360.606,"end":8385.382,"text":"他還是要倒可能回來 因為他要繼續賺更多那所以這個資金美金因為股市交易或是其他的交易來往往的這個資金是一時的現在走如果衝突穩定假設真的是四月五月結束他有可能六七八月的時候資金又過來台灣那時候台幣是不是就會大幅升值對啊 就有可能啊"},{"start":8386.162,"end":8404.144,"text":"所以就是說我跟委員報告基本上事實上台灣的一個外匯市場是由資金的移動來主導的而不是由出口的多寡來主導你講的這個我接受但是你如果長年的這樣子的累積"},{"start":8405.145,"end":8430.461,"text":"每一年用這個速度在累積對美的粗糙這個壓力還是一定都在的所以這個就是說我們在溝通的過程當中我們也要告訴他我跟你的粗糙不是因為我壓低我的匯率不是因為我們不公平的貿易的手段而是你真正需要我的產品"},{"start":8431.401,"end":8433.543,"text":"另外一點我們台灣的努力譬如說現在要跟阿拉斯加購買天然氣將來有可能購買石油等等"},{"start":8446.055,"end":8467.888,"text":"那在對美國對大宗物資的採購另外一方面說有一些台灣的企業去美國投資等等這些的作為稍微做一點平衡政府的作為嘛是是是我也非常贊同那個委員的這種看法這個貿易這個商品帳還是要互惠啦"},{"start":8468.548,"end":8476.812,"text":"也就是說你多買我的東西那我也要多買你的東西要付費貿易就是這樣子我非常贊同這幾年美國對我們是不是這個"},{"start":8482.711,"end":8504.45,"text":"外匯管制的作為這些事情把我們列為觀察國家因為我們一直有在跟他做很好的溝通所以他不會把我們列入操縱國但是還是長期把我們列為觀察國所以要拜託總裁還是要繼續努力跟美國溝通因為如果被列入操縱國那就不得了了"},{"start":8506.611,"end":8527.244,"text":"我想我也趁這個機會跟委員報告就是說事實上我們長久以來我們跟美國財政部的一個溝通都是非常順暢的他也理解我們的說法現在在全球戰略美國把台灣列為他的準盟有關係整個東亞建構整個"},{"start":8530.005,"end":8551.691,"text":"戰隊的關係 台灣是跟他站在同一隊所以他對我們當然也會有比較客氣一點啦好 那最後在剩下兩分鐘我問一個問題啊剛剛有委員提到 我覺得那個也有點道理啦有一個名詞叫地方創生 你知道嗎這個從日本過來的他就因為在地方本來他們人口很多後來一直外流 因為全球都都市化嘛"},{"start":8552.191,"end":8569.529,"text":"所以有一些鄉村或是比較淡白區的人口都外流到這個大都會那使得他地方人口一直減少地方的經濟各樣的特色都一直衰減所以希望人口回流然後希望地方的產業能夠發達把地方再重新"},{"start":8570.45,"end":8591.953,"text":"繁榮恢復起來一部分這個叫地方創生日本是這樣的概念剛剛其實也有委員提到你選擇信息用管制如果是全國一致信的時候那大都會跟剛剛講到那個蛋白區管制是一樣的那這個對於地方創生這個觀念來講是不利的因為"},{"start":8592.654,"end":8607.547,"text":"都會化這是這一百多年來全球的趨勢那如何讓原來的地方的特色能夠維持原來人口跟這個經濟區域的經濟能夠繁榮其實它有的時候反而需要鼓勵啦"},{"start":8608.448,"end":8626.419,"text":"所以剛剛有委員提到說那是不是要來考慮差別的對待在已經很都會很淡白很淡黃區的房價很高漲地區的管制跟如果今天一個年輕人我願意返鄉勿農我願意回到我的鄉下我願意在這個地方買房子"},{"start":8627.299,"end":8645.76,"text":"你如果貸款的層數全部都是一樣的那對於地方創生是最不利的事情我覺得委員講的沒有錯不過我也稍微借幾秒鐘跟委員報告當時我們的管制就只有那幾區在大都會那為什麼會變成全國"},{"start":8648.883,"end":8652.606,"text":"因為那個時候草房已經是從都會一直炒到全國都會在發燒的時候它傳染到其他的非都會區整個都在發燒的時候當然我們就會把它就整個來控管委員現在講的沒有錯如果到達某一個程度的時候我們必須要把它reverse回來對 那種我也是要跟你"},{"start":8678.184,"end":8705.593,"text":"為什麼我會提這個問題呢因為本席的故鄉是台東台東那個地方你說要多少房地產產作當初的渲染可能有啦現在的這個機會已經不大了那如果有年輕人願意返鄉那願意希望能夠在台東買一個房子來住我覺得那個管制不應該跟這個大多數地方是一樣的我覺得我非常贊同那是不是請您考慮看看將來如何調整這個政策好 謝謝"},{"start":8709.757,"end":8713.324,"text":"好謝謝秉瑞召委那主席在這邊宣布休息五分鐘"},{"start":9037.301,"end":9040.964,"text":"好我們現在開始開會請下一位資訊委員林思明委員好謝謝主席請我們央行楊總裁麻煩請中央央行楊總裁"},{"start":9066.677,"end":9066.859,"text":"總台找"},{"start":9068.647,"end":9078.835,"text":"林委員早總裁我想我國的經濟成長率是去年是高達8.63%創下15年的新高紀錄對主計總署在2月份上修今年的經濟成長率預測大概7.71%對我們央行也同步上修預測值為7.28%對利率也連發動對"},{"start":9096.889,"end":9116.48,"text":"所以請問這個總裁啊隨著現在中東戰爭的爆發看起來短期內不會結束喔是那油價持續上漲那物價連著也被帶動一直上漲喔全球停滯性的通膨恐怕會來臨啊總裁你認為經濟成長率還有您現在預估的這麼樂觀嗎"},{"start":9122.243,"end":9139.149,"text":"我跟委員報告事實上我一直認為以目前來講的話我們的經濟應該來講都是很穩健的目前還是很穩健目前還是穩健的你看看我們1月2月當然1月2月那是戰事以前的"},{"start":9141.15,"end":9156.659,"text":"那要戰事以後啦那我們就是必須要觀察它就是說觀察我們的3月我們的4月5月6月那我們3月我們做這樣的預測的時候是在3月的時候也就是說它戰爭剛好就是只有一半的時候"},{"start":9157.519,"end":9173.393,"text":"所以在很短的時間呢我們的scenario呢我們是說那個油價呢大概在全年從58.3%上漲你剛提到你大概是從3月3月中3月看的嘛 推出出來的嘛但是面對現在的情勢"},{"start":9181.88,"end":9198.825,"text":"因為我看今天的不管是媒體都大幅報導暫時會繼續升溫會帶動油價的上漲我們看股市 今天的股市今天也在下跌今天下跌了700多點所以你原來預測未來的經濟的成長動能會持續強勁向上"},{"start":9209.512,"end":9225.728,"text":"民間的消費能力與熱錢也會增加但是目前中東暫時進入第五週情勢繼續升溫大幅的推升全球的這個這個油市航運業"},{"start":9226.969,"end":9243.487,"text":"及供應鏈陷入不確定性尤其是我們的加工產業鍛煉加劇這個氦氣肥料化學品的起漲低價石油已成過去世全球面臨停滯性的通膨風暴"},{"start":9244.948,"end":9263.075,"text":"經濟學者與金融機構高度擔憂啊油市供應遭遇的兩大壓力啊會遭遇兩大壓力啊就是那個荷姆治海峽被封鎖所以經濟的加速成長是無望的目前的局勢的演變是這樣所以央行"},{"start":9264.736,"end":9285.149,"text":"您怎麼能夠這個到目前為止還該總裁我聽你講好像你還是講很樂觀我們也不是說很樂觀我們是審慎樂觀但是呢 我想我們也不會就是說我們的這個情境的分析就一直停留在這個 85塊"},{"start":9287.45,"end":9307.442,"text":"那如果說就像委員現在戰爭好像也不是說很短時間就會結束啦而且油價可能會上升所以這個都是在我們關注的主題當中是啦 那個總來說你應該提到嘛一定要審慎的去因應是是是沒有錯沒有錯 看起來就是持續在升溫短期沒有那麼快結束嘛對對對"},{"start":9315.166,"end":9339.586,"text":"我們看到伊朗對於中東能源基礎設施的攻擊使得波斯灣石油、天然氣以及其他重要的原物料出口受阻荷莫斯海峽是全球能源運輸的關鍵通道所以它現在被封閉起來不僅推高能源價格也提高企業生產的成本抑制消費需求尤其是非必要支出"},{"start":9340.747,"end":9367.734,"text":"進而拖累了經濟的成長甚至可能引發衰退同時同盟的壓力升溫使得各國央行被迫放棄降息計畫甚至轉向升息加劇經濟壓力蘇總裁請教你央行未來是否也會適度的跟各國的央行一樣因應中東的戰事去採取升息的措施"},{"start":9370.617,"end":9384.602,"text":"我在我們的記者會裡就是說李監事會完之後的記者會裡面我也有同樣的就是說中央銀行目前的態度是比較朝向緊縮的一個態度緊縮對緊縮的態度還是繼續動展"},{"start":9387.843,"end":9391.008,"text":"那繼續緊縮所以要傾向了但是採取緊縮的一個政策這個現在還不是時候是"},{"start":9403.384,"end":9427.232,"text":"目前這個情勢那麼緊張啊通膨的壓力一直來所以也就是說我們focus的是1.8%1.8%應該還是在我們融整的範圍之內總裁我接下來跟你討論通膨風險值的問題物價穩定向來是我們各國央行尤其我們中央雲南也是最重要的核心目標"},{"start":9428.952,"end":9442.589,"text":"在中東歧視的升溫下全球經濟不確定性持續升高預測短期的通膨風險掌握驅動物價變動的關鍵因素已成為我們貨幣政策的重要課題"},{"start":9444.071,"end":9470.72,"text":"因此本席看到央行最新的研究指出未來可建構通膨風險值作為輔助工具從整體的分布角度分析未來通膨可能的區間與發生的機率有助提升貨幣政策判斷的精準度與簡單性所以請問這個總裁通膨呈現高度不確定甚至具有跳躍式的上升風險"},{"start":9472.261,"end":9476.572,"text":"這個時候還能用平均數來決策嗎會不會有落後現實的情況"},{"start":9478.099,"end":9505.667,"text":"我跟委員報告事實上您說的也沒有錯因為現在現在大部分現在大部分都是用那個什麼都是用一個平均數就是都是用一個不是說基本就像說我們58.3把它提升到85那如果說把這個概念放進去的時候呢這個就是一個機率的分配的一個問題"},{"start":9506.967,"end":9532.67,"text":"那也就是說最差的一個scenario可能是100那最佳的一個optimistic的scenario是什麼是70那這樣的話它就有一個range就是說在這一段期間可能它的通膨可能就會在這個range裡面那它所發生的機率大概是多少"},{"start":9533.712,"end":9538.459,"text":"他是把機率這個是比較科學啦比較統計統計的方法那這個是比較那這個呢我們都是正在你現在研究還在研究中嘛那是否有已經有具體的數據啊"},{"start":9548.493,"end":9577.078,"text":"因為我們說我們在最壞的環境下通膨可能是多少機率的分佈是怎樣是是是有沒有這樣的數據我們只能說我們只能說這個還在研究階段也有100的那個的scenario但是呢它的probability是到底多少因為probability啊這個可能有一部分那個總裁我是要問你啦你現在已經在走手研究了對但是你現在的研究是已經"},{"start":9578.498,"end":9596.509,"text":"已經完備沒有 我們準備把它納入我們未來的決策的階段都還沒有啦 只是一個在內的行程而已啦我想過去幾年我們全球發生最大的錯誤就是低估極端通膨的發生機率啦疫情後的通膨爆衝 到現在戰爭與能源的衝擊"},{"start":9599.731,"end":9620.269,"text":"都是典型的尾端風險成真所以目前央行的政策模型中是否有納入比如說油價暴漲的情境比如說煤桶現在可能會漲破超過150美元區域戰爭擴大全球供應鏈可能會再度中斷"},{"start":9621.73,"end":9643.799,"text":"所以我們的政策模型中有沒有納入這樣的一些情境的分析啊我想喔 委員我們也會有這樣的一個在概念上我們的我們Focus裡面也有這樣的一個概念啦但是呢我們不便在這邊講說如果說到200塊的時候250塊的時候呢它會怎麼樣怎麼樣怎麼樣"},{"start":9650.161,"end":9661.014,"text":"我覺得這個不適合在這種沒有就是說你用這種沒有發生 你是不用講出來的但是你這個模型中會納入這種情境分析吧應該會納入吧但是我們不會就說就把它公開出來的因為那個不成熟最後一題我再請教你"},{"start":9669.984,"end":9692.411,"text":"我關美國政府近期又再啟動新一輪的301條款的調查我國也被列入為調查國家之一行政院表示台美已簽署台美對登貿易協定就是ART不會受這樣調查的影響總裁我想請問你這次被列入調查名單對於未來我們台幣匯率的走向可能會有怎樣的影響"},{"start":9693.471,"end":9707.505,"text":"匯率操縱也是美國的調查終點這次我國再次被列入是否表示對美國而言仍然認為我們可能有事在操縱匯率不會啦我跟委員報告絕對不會所以也不會影響我們台美對待貿易的協定也不會影響"},{"start":9715.733,"end":9739.575,"text":"就是他即便我們被進入這個沒有就匯率的這個部分呢這個匯率的部分是我們跟財政部而且匯率的這個部分不是商務部的所管轄的範圍而是財政部管轄的範圍我們是跟財政部一個溝通我也跟委員報告我們歷年以來"},{"start":9740.376,"end":9749.499,"text":"跟美國財政部的溝通都非常的順利謝謝林委員下一位質詢委員請閻寬恆委員質詢謝謝主席主席有請我們央行楊總裁請央行楊總裁"},{"start":9775.989,"end":9793.3,"text":"首先先跟你探討利率的問題中東戰爭打到現在已經快一個月了但是依舊沒有緩和的趨勢國際油價一度飆漲甚至於創了四年來的新高同時也帶動了食品跟糧食價格的飆漲"},{"start":9794.561,"end":9821.568,"text":"所以引發了市場擔憂那除了擔心中東戰勢升溫那也怕會出現通膨升高經濟成長減緩的停滯性通膨的問題那雖然目前全球央行就是美國加拿大日本英格蘭歐洲等他們接續做出維持利率不變的決定但同時對未來通膨升溫也提出警告"},{"start":9822.228,"end":9839.99,"text":"那你們有建構一個通膨風險值作為觀察通膨的一個補充指標那將有助於央行依照這個預測結果那請教一下目前預測的結果是怎麼樣 可不可以說明一下"},{"start":9841.738,"end":9857.185,"text":"現在還是在研究當中不過這個概念我們以前我們都有只是說沒有到目前為止還沒有一個具體化而且全球的中央銀行很少數的國家除了英國 英國我知道"},{"start":9857.765,"end":9861.066,"text":"英國的通膨的scenario的分析就有點類似我們現在所講的IMF的風險值的概念"},{"start":9874.373,"end":9891.931,"text":"不過到目前為止呢我們有以前基本上我們以前就有這個概念只是說我們再深入再探討它只是說到目前為止我們還沒有就是說有做這樣的就像英國的這樣的一個上行的一個range的一個預測到目前為止我們還沒有"},{"start":9894.314,"end":9914.952,"text":"還沒有做完一個完整的報告還沒有不過我也跟委員報告事實上雖然就是說這個也是一個學術探討的一個主題不過我以前我對英國的這種它的一個預測方法我也不會覺得就是說是非常的先進"},{"start":9916.448,"end":9929.094,"text":"我也不會認為它是很先進台灣作為一個小型開放的經濟體是那挑戰跟應對措施需要考核綜合考量多方面的因素是尤其是中東戰爭還有能源飆漲的問題"},{"start":9931.815,"end":9950.579,"text":"那我們是一個高度依賴進口能源的一個開放型的經濟體對 沒有錯那命名的一個嚴峻的挑戰尤其是能源跟海運的成本對那對台灣的經濟成長跟民生造成了絕對的壓力對所以央行在這一塊你要面對這一些挑戰對那"},{"start":9953.36,"end":9976.556,"text":"是否會選擇升息或者是用升息來應對持續的物價壓力我跟委員報告就是說對於台灣目前中東所產生的原物料價格的上漲事實上一方面政府的穩定措施是有效的 我覺得"},{"start":9977.276,"end":9997.797,"text":"另外一方面中央銀行必須要做的第一個我們要阻止防止這個輸入性的通膨的問題的疑慮這是第一個就是說那所謂的要防止這個輸入性通膨的一個壓力的話呢第一個我們的匯率一定要穩定這個是中央銀行這是我們的職責"},{"start":9999.238,"end":10022.17,"text":"輸入型通貨因為油價高你又匯率如果說大幅貶值的話就雪上加霜這是第一個點那第二點呢你剛剛所講的利率的問題利率呢是屬於需求面的一個控管的一個工具在供給面的一個問題上呢用需求面去解決它比較不方便比較不好但是呢"},{"start":10022.87,"end":10040.704,"text":"他在第二輪也就是說在通膨的一個預期在上升的時候呢也就是說通膨的預期在形成的時候呢總理必須要注意除了我們的匯率的政策以外呢我們的利率政策也必須要stand by我們就是要必須要準備在那邊這個就是說為什麼"},{"start":10043.706,"end":10063.314,"text":"全球的中央銀行對這一次的一個中東的戰爭他們的態度從以前的一個寬鬆的態度變成現在是要緊縮的態度台灣的中央銀行也是一樣的我們是要stand by就是在適當的時機我們的貨幣政策我們的利率政策也必須要做政策我們長期的觀察銀行在貨幣操作上"},{"start":10071.758,"end":10097.012,"text":"是採這個非對稱性的嘛就是俗稱的說這個匯率政策這個生不足貶阻擋的阻生不足貶所以說當新台幣有升值壓力的時候那我們央行會積極的干預為了要保護我們這些出口業嘛出口產業但是當面對貶值所引發的我們的進口通膨干預力道就相對保守"},{"start":10097.392,"end":10127.032,"text":"所以您從A30一直到現在A30不過委員你講這個的時候啊我才要再藉這個機會跟委員報告事實上呢市面上這種政說法呢是完全完全他沒有那個什麼實務上的一個實務上的一個實務上的一個一個一個一個就是說實務上他不知道實務上中央銀行是怎麼運作的"},{"start":10127.592,"end":10143.529,"text":"所以說中央銀行主生不足貶這個確實在實務上是說不通的在理論上是好像在市場上好像很容易接受就是說主生不足貶現在美台利差持續擴大所以台幣貶值壓力很大"},{"start":10148.774,"end":10166.125,"text":"那這種偏弱所以說我們現在央行持續這種偏弱貨幣的一個隱性政策那你一手中央銀行沒有中央銀行沒有我們一手就是說要控制通膨嘛但另外你就放任匯率貶值沒有放任啊所以要積極的作為啊積極的作為"},{"start":10172.348,"end":10191.151,"text":"也是說建議啦 建議總裁 是不是我們要用力說來放棄 也不是放棄整個考量 是不是說出口利率的考量跟讓我們匯率適度的升值來抵消我們國際聯運漲價的這樣子的壓力我跟委員報告啦"},{"start":10191.771,"end":10202.583,"text":"就是說在三月以後啊在三月以後啊就是說美元獨強那美元獨強的意思是什麼所有的貨幣都對美元都貶值"},{"start":10204.516,"end":10230.499,"text":"都對美元貶值那好那如果說所有貨幣都對美元貶值的時候呢中央銀行就是說新台幣呢他在這個貶值的過程當中只要我們中央銀行的新台幣貶值的幅度低於我們就是說鄰近的國家像韓國跟日本如果說我們他貶值的幅度比我們大的話那表示什麼表示新台幣也是升值啊"},{"start":10232.27,"end":10252.31,"text":"是不是因為相對的 相對的 這是相對的每年獨搶的情況之下因為時間有限 我再請教那19日舉行第一季禮監事會然後這個將全國資安人的第二戶購入貸款 乘數由五成調升到六成"},{"start":10253.231,"end":10281.583,"text":"那這樣子一個這個維福的放寬信任管制是不是因為央行已經預見了這個房市已經緩和的這個這樣子的情況嗎是這樣子嗎你可以監督回答我想有兩個第一個就是說我們在我們的選擇信任管制到目前我們也有得到一些的成效但是這個成效是不是符合我們我們是不是我們完全滿足"},{"start":10282.563,"end":10291.629,"text":"不見得啦這是第一個就是說我有一定的成效第二個呢我們最主要的就是說對於第二副那些他是自助的"},{"start":10292.608,"end":10314.068,"text":"他是自住的那你要滿足他的一個需求對於那個自住的話我想我們跟他限制的太嚴格的話也不必要總算你在媒體上有回應說這一次的放寬就是為了要回應父女幫兒女買房的需求那是強調說是針對自住"},{"start":10316.77,"end":10329.517,"text":"那但是現在房價依然是高掛在那邊那新成一的價格持續在上漲我們選在這個年八季這個凍息的同時來放寬這個新的管制那"},{"start":10331.069,"end":10358.109,"text":"我想這個訊號會不會給我們這些建商或者是投機客來把它解釋成說成是我們央行是變成說支持房價這樣子的一個作為一個政策我們要如何保證這一層的鬆綁不會變成推升房價的一個兇手"},{"start":10359.45,"end":10361.193,"text":"所以我們也一直在強調我們這一次的鬆綁是一個微調"},{"start":10367.839,"end":10393.367,"text":"是一個微調所以呢也就是說微調所以呢我們呢非常的謹慎我們也不希望就是說場上那個什麼我們的市場謝謝總裁我們就務必說要盯緊市場不要讓政策變成投機客的工具讓我們最終希望讓房價能夠回到這個回歸合理的一個市場基礎沒有錯謝謝總裁謝謝原委員"},{"start":10397.888,"end":10400.468,"text":"下一位諮詢委員 請羅明財委員諮詢主席 各位委員 朱列席 官員 大家好可否請央行 楊總裁"},{"start":10428.63,"end":10436.674,"text":"還有是不是中央印製廠林總請中央印製廠林總經理林總經理總裁你好那個外匯存底是"},{"start":10449.394,"end":10460.064,"text":"很高啊 是不是一個秀肌肉的好機會我們沒有這個意思我們發現說我們外匯存體持續在高升可是為什麼全世界很多國家外匯存體不升還減"},{"start":10478.215,"end":10494.292,"text":"有的國家的外匯存底不升還減也有一些的國家是確實是因為因為他的資金流出去太多第二個呢他的外匯存底投資的成效不夠好"},{"start":10497.207,"end":10522.281,"text":"黃金跟我們的儲備是這樣有不同的幣別黃金等等大概這五年前到現在產生了若干的變化很多人看在買黃金你看全世界我們講這五年來黃金購入買最多的是哪幾個國家"},{"start":10524.491,"end":10545.731,"text":"大概是Russia跟中國大陸的中國大陸跟Russia德國有沒有買?沒有,德國沒有買,美國沒有買,英國也沒有買這些先進的國家都沒有買,日本也沒有買法國好像也沒有買南韓?"},{"start":10546.852,"end":10570.02,"text":"南韓沒有買最近沒有買好像他前一波有買他前一波的時候有買不過那一次他買的時候據我了解他買的時候是低但是他有上漲但是後來下來他嚇了一跳"},{"start":10571.451,"end":10596.353,"text":"結果後來他就不敢買但是後來黃金的價格一直上去黃金漲了那麼多央行有沒有買我們沒有買我們跟其他主要的國家來比較的時候我們都沒有買所以總裁你對美元是不是有很大的信心"},{"start":10599.994,"end":10622.053,"text":"也不是說我對美元有特別的信心所以對它沒信心那也不是說對它沒有信心我們是比較了各個幣別來講的話相對的那也不是說因為我們對美元有絕對的信心然後我們的外匯存底美元的部位才會比較大不過我跟委員報告了"},{"start":10622.85,"end":10646.092,"text":"我們的進出口廠商百分之九十到九十五它的報價都是用什麼它都是用美元那如果說在這種它的報價都是在百分之九十到九十五都是用美元來報價的時候呢那我們的外匯存體是不是也要因應它那所以呢如果說我們把它降到百分之八十"},{"start":10647.217,"end":10673.189,"text":"你也不能就說我們對美元特別有信心這是第一點也就是說我們的進出口廠商他大部分的報價都是用美元的時候那當然我們的存底就是以美元為主這是第一點第二點以整個全球的一個貨幣制度來看的話呢美元他就是共同的貨幣現在全世界你的說法最強就是美元"},{"start":10674.049,"end":10691.344,"text":"所以我們外匯存體持有美元的比重也很高啊那當然啊我剛剛在說第一個我們的進出口廠商的報價大部分90%到95%都是用美元啊那我看你也很聰明啊你美元大概我們持有有沒有65%什麼"},{"start":10693.82,"end":10704.292,"text":"美元的持有 佔我們的外匯存底有沒有65%應該有有沒有接近七成應該有有啊 現在比重又變高了應該有啊"},{"start":10706.402,"end":10732.665,"text":"那占七成那其他百分之三十是什麼這就我們diversify啊我們把它那個多元化第二比重最高的就是持有人民幣啊第二比重的話我們要看情況啦就是看昨天的情況啊我們就要看情況有的時候是歐元有些時候人民幣有些時候是其他的貨幣"},{"start":10734.594,"end":10758.505,"text":"為什麼你會想持有人民幣因為我跟委員報告啦人民幣是因為我們台灣跟跟中國大陸的一個貿易呢他的這個要清算的時候呢人民幣就是本身他就因為我們跟他的貿易很大所以也就是說我們也必須要握有部分的人民幣作為"},{"start":10759.565,"end":10783.25,"text":"我們的廠商跟中國大陸的一個廠商的清算人民幣的持有有沒有佔百分之五上上下下那Range大概多少Range有沒有超過3%我現在忘了啦 待會底下的時候我再告訴你我跟委員報告你會不會再加持人民幣"},{"start":10784.77,"end":10799.885,"text":"你會不會再增加持有人民幣我跟委員報告人民幣以前我們會多持有它有兩個因素第一個因素就是說我們跟中國大陸的一個貿易的往來大"},{"start":10800.526,"end":10816.146,"text":"而且我們的廠商有一些它的收支有一部分是用人民幣 這是第一點第二點 當時的人民幣的利率非常高好像甚至都比美銀高"},{"start":10817.447,"end":10831.397,"text":"所以在這種情況之下我們都有一個比重就是歐元人民幣後來就下降下來為什麼會下降下來現在下降多少下降下來我現在不太曉得今天有沒有剩大概5%"},{"start":10832.998,"end":10848.348,"text":"應該是低一點歐元的持有大概有多少歐元的持有也大概是差不多我們大部分第二個就是說我們第二個幣幣我同事告訴我我們第二個幣幣就是歐元第二個是歐元第三個是人民幣第四個"},{"start":10850.409,"end":10858.174,"text":"我們第四個的話就是說英鎊、澳幣、日元這些都是有加幣也有也蠻多元化的啦你會不會考慮說現在全世界變化很快美伊戰爭、俄烏戰爭打完以後"},{"start":10877.762,"end":10900.907,"text":"美金會不會變弱?因為全世界都在贊成啊這個委員做這樣的一個預測我記得啊不知道對不對我記得啊就是說去年初去年初或是去年中以後大家就說美國要降息所以美元都會弱但是呢好像也沒有這麼一回事"},{"start":10903.488,"end":10917.937,"text":"從最近來看的話它的指數呢是降到96但是最近都又跑到100以上所以呢我跟委員報告啦匯率的預測很難啦你要在這邊叫我來預測說美元會強啊會弱啊誰知道美元發行的基礎它是用"},{"start":10927.41,"end":10947.444,"text":"黃金來做發行準備對不對也不是那美國發行美金是用什麼做準備我跟委員報告等一下 那我們新台幣的發行是用什麼來做準備我們是用黃金做準備黃金還有我們的外存底黃金很好啦 因為一閃一閃亮晶晶黃金有多少噸我們黃金有480幾噸"},{"start":10953.7,"end":10960.068,"text":"423噸好像是一個護國神山我們台幣的護國神山有沒有減少我們沒有減少有沒有增加沒有增加"},{"start":10972.282,"end":10987.258,"text":"我們手上都是美金美債那你會不會考慮說萬一萬一美元來一天因為走強以後就必定會走弱嘛你會不會把手上"},{"start":10987.939,"end":11001.211,"text":"的外匯存底來轉化來買一些黃金我們也有考慮只是說現在有考慮還沒做是還沒有做而已考慮那個點大概什麼時候會做我怎麼會曉得只是說我們認為"},{"start":11004.053,"end":11017.803,"text":"我們認為就是說我們覺得是一個很好的時機是很好的時點的時候呢中央銀行會進去我從來沒有聽過你講這句話但是我跟委員報告黃金貴不貴黃金貴不貴以現在來講的話我總覺得它是貴現在貴喔所以你覺得現在貴貴與不貴事實上跟現在我們都是靠美金美元可是"},{"start":11034.034,"end":11060.844,"text":"總裁啊美國他的黃金儲備啊他黃金還在不在啊他在啊你有見過嗎我看過啊你到哪裡看的我看過我在美國看的美國有四個地方你在哪個地方看到我在紐約看的紐約紐約他是因為聯邦銀行的這個說黃金放那邊嗎對啦那個不是最大宗對啦最大宗是在肯特基吧"},{"start":11062.686,"end":11077.103,"text":"這個我就不曉得啦反正我看過啦肯特基那個量是最大的連那個川普啊他Elon Musk上去的時候說50年沒人去看過黃金木曉還在不在是啦 應該在啦應該在喔"},{"start":11079.947,"end":11096.279,"text":"眼見為憑 改天你可不可以帶我們去看一下我想中央銀行 全球的中央銀行都是很謹慎的啦所以你們懷疑中央銀行黃金還在不在啊那當然在啊我們台灣的我應該覺得我有去看過啦我們這個主席也去看過"},{"start":11097.318,"end":11118.528,"text":"可是美國的我沒去看過啊總裁你也沒看過啊不過我將心比心啦中央銀行都是很優勝的啦謝謝榮民財委員那個總裁最後一句話萬一如果去看黃金不在對美元會產生什麼樣的變化下期分解下次再跟我說這個機率是零啦好 謝謝"},{"start":11123.9,"end":11132.788,"text":"我因為對他們非常有信心所以我在財政委員會14年了但是我沒有去過他們新店文員來 下一個諮詢委員請陳玉珍委員質詢謝謝主席 我們請央行總裁請中央醫療的央行總裁"},{"start":11147.348,"end":11149.569,"text":"我們現在預計就是說我們五個面額我們現在是初步"},{"start":11165.214,"end":11189.392,"text":"初步我們也聽聽那個諮詢委員的一個意見初步他們也認為就是說五個面額多改版應該沒有問題五個面額喔你說紙幣喔 兩千啊 一千啊那硬幣不改版兩千 一千兩千 一千 五百 兩百 一百五個面額全面要改喔對 因為我跟委員報告"},{"start":11192.154,"end":11219.566,"text":"要花多少錢要花多少錢多少預算我們這樣的話呢每張大概成本會增加1.5塊總共要花多少預算這個還不曉得大概有沒有個Range沒有沒有是指三千萬五千萬因為有時候網路流量很大的因為現在總量是什麼樣都還不曉得所以你沒有一個預算嗎改版沒有一個預算嗎三千萬五千萬三億五億三十億五十億我們還沒有編預算三百億五百億你有沒有一個概念"},{"start":11220.487,"end":11227.353,"text":"有概念嗎我想我這個謹慎一點大概 哪個範圍100億到500億1億到500億我一講的時候到時候又順順不是 你沒有概念怎麼要那個什麼要改本要花那麼多錢然後就又再做文章來 這個第一個你心裡要有概念嗎我認為這是適當的沒有 你如果打算要做你要知道"},{"start":11241.947,"end":11270.382,"text":"沒關係 這個還沒嘛到時候反正要提出來啦對對對第二個那個內容我看到前一陣子有在做什麼調查什麼的那我們國家是中華民國對吧中華民國就有台澎金嘛對不對 台澎金嘛台澎金嘛對不對 台澎金嘛你們做改版不只做防衛技術還要重新定義喔這個台澎金嘛所以代表台澎金嘛沒有啦 我們就中華民國就好了有台灣嘛 有台灣島的一些東西啦"},{"start":11271.102,"end":11294.891,"text":"那個金門的這個意象你看一下立豪豐富金門的閩南燕尾建築這些東西要跟我們思考一下這是金門的台澎金馬嘛不要只注意台灣有什麼東西不要只注意台灣島有什麼東西離島不要忘記我們是生命共同體我們是一個國家嘛"},{"start":11296.471,"end":11314.035,"text":"這個金門的水灘也很漂亮對啊我都沒有看你們選項裡面有這些東西啊全部都是台灣的一些對不對來看你有些什麼你們票選嘛有19萬人民去票選島與生態這個島這個圖上面沒有看到我們的島啊我的島在哪裡我們金門在哪裡"},{"start":11316.936,"end":11338.491,"text":"對吧 保育都有民族結晶這個還有一點感覺你做這個到時候不要改版出來那個地圖那個新台幣改版只剩下一個台灣島澎湖金門馬祖都不見了中華民國啊 台澎金嘛我希望這個央行要幫我們審慎的這個注意這一點你看你們現在的這個"},{"start":11340.761,"end":11358.309,"text":"這個地圖上你們打算做這個以後的新台幣只有台灣島沒有離島沒有金門沒有馬祖有澎湖啦整個設計都是台灣島101啊什麼地質我們都沒有啊我們有那個水灘啊"},{"start":11359.509,"end":11382.314,"text":"是不是你要讓我們離島覺得說我們真的是同一個生命共同體嘛如果加一點點離島的元素可以嗎那馬祖的意向在哪裡金門的意向在哪裡是不是要幫我們思考一下不然難道以後我們台幣上面都要印的跟以前一樣現金門地區使用你們這個現台灣地區使用你知道我們金門以前的紙鈔啊你知道嗎我知道啊"},{"start":11385.595,"end":11410.461,"text":"什麼寫 限金門必須使用我知道啊所以金門也出現了所以金門也出現了就金門兩個那你後來要印新的改版後要再印出限金門必須使用沒有嘛對不對 那個以前戰略中的時代所以我們希望你們在考慮這個新的改版的時候一定要把離島考慮進去我們也有很多意向嘛那我們才會覺得我們是生命共同體嘛對不對 不要只有台灣的與會台灣島的與會嘛好嗎"},{"start":11413.443,"end":11431.703,"text":"請你幫我們慎重考慮我們有水撻、有保育、有生態我們有麗河豐湖你們那個是地質什麼我們是麗河豐湖我們有銀城房我們有閩南的建築非常好看這個一定要記得共同的這個概念"},{"start":11435.867,"end":11451.602,"text":"這我的助理弄出來的澎湖的玄武岩啊這個馬祖的藍眼淚啊金門的這個水撻這樣是不是把台澎金馬都加進去請你考慮領導人的這個想法展現中華民國是有台澎金馬才可以"},{"start":11452.362,"end":11455.605,"text":"才不會讓李導覺得這個我們現在請財經公司 請慎重考慮考慮李導人的想法才不會覺得所有東西我們都好像沒有被畫在一起來 財經公司 謝謝"},{"start":11470.614,"end":11489.299,"text":"董事長 我們這裡面要去考察貴公司要去考慮智慧金門的事情 數位振興以前發行資本券有很多高行政成本 場所受限 房位各方面現在走向數位經濟"},{"start":11492.1,"end":11502.273,"text":"有很多的好處那我要跟您探討一下請您這個我現在講這些想跟您探討那當然禮拜四的時候也希望 歡迎喔可以幫我們做相關的這個研究現在你們有這個TWQR嘛 台灣碼嘛"},{"start":11507.339,"end":11523.95,"text":"一碼通 對吧我看這個做得不錯就是有可以讓 而且有讓商家升級那我看財政部也有說如果用電子支付的話數位支付的話可能在稅的方面 在小額商家的 小的小規模營業額上面可以給一點這個"},{"start":11525.671,"end":11546.605,"text":"稅務上的優惠但是這時候後面的你們這個系統就相當重要了那當然如果用電子稅務支付的話會有很多很多好處那我來跟你講一下金門現在的情形我們金門現在有很多社會的福利社會福利就包括您看一下包括觀光"},{"start":11550.908,"end":11561.656,"text":"這個金門希望以後要做這個數位券我們現在有券嘛 你知道我們金門有很多的券我們有感恩券 就配酒的酒券 就是三結酒都有那個 您知道嗎"},{"start":11563.683,"end":11566.005,"text":"55歲到64歲我們每一年會發三萬六千元每一節都會發錢每一節都還會"},{"start":11579.221,"end":11596.1,"text":"配壽酒是賣的但是用酒券然後還有當然基本上很多社會福利措施不管這個那個各方面的非常多的社會福利措施這個從現在開始講到下午可能講不完但是這個東西要走向數位化所以我們希望"},{"start":11597.401,"end":11601.823,"text":"藉由我們財經公司的專業人力幫我們做一個整合的數位平台我們有醫療長照的補貼我們有交通觀光基本有交通觀光的補貼像台灣在講這個什麼營養午餐免費我們30年前就可以做了還有我們有公車免費 船免費兩塊 沒有免費 保險"},{"start":11616.83,"end":11637.307,"text":"還有各式各樣的補貼 交通 敬老的津貼比如說一百多歲領七千 九千 救學每一個學期 學生都發交通券 圖書券然後感恩券 就是這個酒 還有預算我們希望財經公司可以幫我們思考一下後面整個這個部分"},{"start":11638.027,"end":11663.205,"text":"那金門是一個很好實驗這個數位化的地方您知道我的意思嗎那你們做這麼多 財經這個公司做這麼多研究那我感覺上在現在台灣整個普遍市面上好像也沒有用的很普遍啦就是有 但是還不夠普遍那是不是在這個部分 財經公司可以特別幫忙思考一下事實上你可以做一個類似一個實驗的地方"},{"start":11664.886,"end":11689.599,"text":"是 我們再跟委員請教我們對金門的這個如果要發這個券的話怎麼跟我們的數位這個平台結合然後做一個研究對 因為各式各樣的政府的支出給民間在來的福利不管是哪一類的福利因為政府本身就註下了很多資源在這個裡頭然後民間普遍不管食衣住行方面以後說不定還更多"},{"start":11690.379,"end":11704.813,"text":"這些方面如果有這個讓它導入數位化然後地區的金門地區的商家從這邊開始實驗我想財經公司是可以扮演一個很重要的角色你們可以幫我幫我們金門做個相關的研究嗎"},{"start":11705.653,"end":11724.879,"text":"是的因為本身也很有基礎的嘛是是是那我們禮拜四去考察的時候可能會麻煩這個相關的這個準備包括後端還有包括可能遇到什麼問題啊然後怎麼樣包括你看消費上然後請款上面管理上面民眾好消費商家好請款政府好管理這個"},{"start":11726.619,"end":11739.747,"text":"研究出來後也來跟我們地方政府來做一個對接啦這個也可以讓財經公司扮演一個蠻重要的角色沒問題吧我們禮拜四過去考察的時候麻煩提出相關的報告啦好 謝謝您好 謝謝下一位質詢委員請王世堅委員質詢"},{"start":11759.694,"end":11763.523,"text":"謝謝主席,我請央行楊總裁請坐,央行楊總裁"},{"start":11770.146,"end":11795.826,"text":"楊總裁辛苦了謝謝你鼓勵尤其這幾年來你堅持一些看法堅持你們專業的分析你們對於房市的管制一直都持著很嚴謹的態度並沒有妥協這一點社會大眾對你是非常肯定也感謝的"},{"start":11796.667,"end":11814.568,"text":"只是我最近有一事不解也是關於房市的問題前年啊你那時候是有動作先機當時你針對不動產放款的集中度來做管制這是對的"},{"start":11817.85,"end":11824.633,"text":"前年六月當時不動產放款集中度是高達37.61%那當時你就開始宣布要管制目標是35%這也都很正確很好"},{"start":11835.999,"end":11860.679,"text":"那到了這個去年的9月去年的9月是已經降到36.71所以我們仍然繼續管制這個多好但是啊到了這個去年12月底貴航第四季的禮監事會議的時候當時就鬆綁了集中度的管制當時是"},{"start":11863.274,"end":11885.862,"text":"降0.01而已當時是從36.71降到36.7結果只降0.01那你們突然間就把這個管制就放鬆了那尤其在今年十天前十天前你們第一季的禮監事會的時候你們竟然是說要放寬"},{"start":11887.683,"end":11911.578,"text":"自然人第二戶購屋貸款放寬從五成放寬到六成這一點我就百思不解啦這一點我就不解現在我們房屋放款的集中度並沒有再大幅下降啊離目標35%也還一段距離為什麼在此時此刻放寬"},{"start":11912.719,"end":11928.767,"text":"而且放寬這個第二戶齁那個總裁應該你也曉得啊第二戶會購買第二戶以後甚至第二戶以上好幾戶的大多數都是投資客"},{"start":11929.824,"end":11947.791,"text":"那我們如果放寬第二戶房貸的限制的話等於就是也放寬了讓投資客他們可以繼續去藉由炒作去獲利去炒高房價那我為什麼這麼不懂"},{"start":11949.249,"end":11963.442,"text":"除了房屋放款的集中度以外集中度沒有降跟現在民眾的感覺也都息息相關我就舉這幾個大筆的比方說我就舉三大好了"},{"start":11965.126,"end":11974.589,"text":"購屋痛苦指數好了購屋痛苦指數在我們台灣在我們國內台北市最高他超過60%高達65.41新北市其次56.77痛苦指數台中也破50%"},{"start":11987.637,"end":12009.561,"text":"那在購屋痛苦指數依然居高之下第二點房價所得比房價所得比竟然平均平均國內房價所得比9.71啦9.71倍也就是說不吃不喝要9.71年才有辦法來買房子那第三"},{"start":12016.738,"end":12041.432,"text":"就是房貸負擔率房貸負擔率我們多數國人把整個家庭收入啊比方說在台北市的部分有將近七成房貸負擔率將近七成高達七成之多全國平均房貸的負擔率是42%這都很高啊"},{"start":12045.571,"end":12066.376,"text":"大家辛苦工作所得 結果都成了烏奴啦都成了烏奴所以在這三大面向的分析之下都是全民感受得到的痛苦之下結果我們突然間3月份好不容易堅持這麼久的"},{"start":12068.257,"end":12091.594,"text":"根據這個我們這麼久的這個根據這個房市的管制結果這次鬆綁了 你看法為什麼為什麼是 我覺得那個委員的分析都非常的正確至於就是說要我們來說一個理由我想我很簡單的 第一個就是說"},{"start":12095.978,"end":12105.247,"text":"37.6%下降到36%這個是也有一定的成效了當然剛剛委員是說我們的目標是35%不過我們也沒有對外講究說我們的目標就是一定35%"},{"start":12113.394,"end":12139.885,"text":"這要看情況啦不過呢35就是說是從你的圖形上看上去的話35是確實是從低點往上的嘛所以呢我想36到目前為止我們只有說我們有一定的成效我們沒有說我們很滿意這是第一點第二點呢我們之所以會放我們就是說一定的成效第二點我們為什麼會放寬第二戶最主要的就是說"},{"start":12140.825,"end":12156.75,"text":"我們剛剛委員分析的也沒有非常正確就是說第一戶跟第二戶是草房的最大最大宗嘛那第一戶呢在第一戶跟第二戶裡面呢是第一戶的草房的比重更大"},{"start":12157.847,"end":12183.83,"text":"第二戶草房的比重比較小根據我們的資訊第一戶的草房的大概是七成第二戶的大概是兩成最多兩成我記得是15%到20%這是第二個第三個就是說在我們管制的這一段期間裡面第二戶下降的速度非常快"},{"start":12184.79,"end":12195.659,"text":"它下降會速度非常快所以呢也就是說是從從多少呢從這個從它是減少了跟同期間是從它是減少了分別為24.7 18.3你說集中度減少"},{"start":12204.386,"end":12228.409,"text":"不是 就是說第二戶的減少 減少的幅度非常大第二戶的減少的幅度非常大他減少了多少呢 減少了8.6跟6.5那我們是覺得就是說 以草房的七成 大部分是說第一戶那第二戶呢 他只有占15%到20%那但是呢 他下降的速度比較快"},{"start":12229.17,"end":12245.975,"text":"那我們是覺得就是說如果我們因為第三個就是說他對第二戶呢就是說他是自住的那我是總覺得這個自住我們如果說微調的話呢對於整個我們的管制的那個的impact應該是不會有多大的影響"},{"start":12246.835,"end":12263.1,"text":"你認為說不會太大影響這個我們尊重但是你剛剛講它第二戶構設的我們放寬但是你說它是自住自住這一點我希望在這一個部分我們可以加強去稽查去瞭解可以透過銀行去瞭解"},{"start":12266.721,"end":12290.252,"text":"至於你說的第一戶的炒房率遠高於第二戶這個當然我們再研究一下啦你們可能那邊有研究的我看的資料我自己分析的是沒有差那麼多啦可能就是建商因為他們會現在大舉的用這個公司的人頭戶去把這個"},{"start":12294.283,"end":12309.551,"text":"他們當初的土榮建榮要轉成分屋貸款這可能也是個原因啦要不然往往都是第二戶投資客最多啦我第二個問題要請教你的就是關於我們這個主權基金主權基金"},{"start":12318.335,"end":12321.078,"text":"你支持還是不支持就是說如果"},{"start":12344.474,"end":12361.187,"text":"我們不用外匯那改用其他這兩種管道財政部發特定的公債那這個稅收我們用財政盈餘來做主權基金那這樣你支不支持我當然我也支持啊"},{"start":12361.747,"end":12389.473,"text":"也是支持我也是支持在我看我是認為我們一定要用外匯存底當作基底我想總裁你也應該心知肚明這是我們國家最大筆的來源也最穩定鄰近的國家韓國 馬來西亞 香港他們都是所以我希望說是不是再來你針對說要有長波用要有一定"},{"start":12390.553,"end":12412.909,"text":"固定一個利潤以上才肯那你再研究一下要怎麼樣的利潤才肯因為我們大家把話挑明尤其中央銀行你帶頭財政部、經濟部、金管會跟隨之下我們趕快來促成主權基金好不好因為主權基金我們到現在為止我們台灣確實有點慢了應該要積極下去推動落實好不好好 謝謝謝謝委員"},{"start":12421.212,"end":12449.629,"text":"再來下一位諮詢人員請葛如君委員質詢好 謝謝主席有請央行楊總裁請中央央行楊總裁"},{"start":12455.053,"end":12470.618,"text":"總裁早首先要感謝央行在去年底提供給我們比特幣是否作為央行儲備資產有一份正反並程的報告這一點我們真的是要給你肯定裡面有提到捷克央行已經投入100萬美元來購買加密資產"},{"start":12472.899,"end":12493.396,"text":"同時我們也感謝行政院感謝法務部也協助我們調查了我們沒收扣押的比特幣台灣目前大概為止大概210顆目前已經可以排到全球將近前十的一個狀態雖然那個東西跟資產還有儲備還是有很長的距離但是我想我們開始理解這件事情是健康的"},{"start":12494.156,"end":12510.907,"text":"各國其實非常關注這個也跟總裁介紹一下這是美國的參議員的幕僚辦公室的同仁之後去建立的一個比特幣戰略儲備的智庫所建立的台灣應該考量比特幣戰略儲備的一份報告"},{"start":12512.688,"end":12531.735,"text":"那這個之後我們有機會再分享給總裁裡面說台灣相當適合持有一定程度量的比特幣原因在於我們的地緣政治的環境無論可能是要面對海上的封鎖或者全面的入侵的情況之下相較於純正的美元跟黃金比特幣"},{"start":12532.395,"end":12559.623,"text":"是唯一一個可以在兩種情況下都完全可以存取的狀態使得世界上已經有40個以上的國家透過不同的方式來持有比特幣美國薩爾瓦多已經建立戰略儲備不單俄羅斯透過挖礦中國大陸英國透過保留查扣沒收的虛擬資產來建立這個部位盧森堡則是用主權基金來投入比特幣的交易所"},{"start":12560.343,"end":12586.16,"text":"烏克蘭更不用講是接受比特幣作為戰爭的捐款那瑞士央行則是持有依賴比特幣價值的股票等等那完整的結論有建議啦台灣我們在一個所謂的國家論述裡面多次提到韌性resilience那要擁有韌性我們也要有創新的精神和勇氣早期的去思考將比特幣作為其中一種選項的可能性"},{"start":12587.04,"end":12596.307,"text":"不過既然央行有點曾經會提到過比特幣的這個價格波動等等暫時我相信可能沒有這個立場有改變嗎"},{"start":12598.372,"end":12617.959,"text":"你就說是比特幣的價格波動還是比特幣戰略儲備的計畫央行的態度有沒有轉變到目前為止我們還是沒有轉變了解但是相關的報告我想已經很棒了這個持續在研議但我想要提供一個想法給總裁參考虛擬資產有它的便利性"},{"start":12618.659,"end":12633.684,"text":"流動性比較方便流動速度也快那我們能不能考慮假設沒有比特幣在內儲備我們有沒有可能考慮穩定幣的儲備就是把我們的外匯或者我們的某一些儲備部分小額的"},{"start":12635.605,"end":12653.7,"text":"轉為穩定幣的方式來儲存那去年穩定幣的總交易量高達46兆美元流通性也非常的健康總裁有沒有辦法考慮看看我們的外匯現在可能是以美債或者是以這個其他的形式來存放在極端狀況發生的時候可能會有流動性的問題"},{"start":12654.962,"end":12663.819,"text":"烏克蘭也是用穩定幣比特幣在做這個防衛的這些採購總裁能不能參考一下這個概念穩定幣的儲備"},{"start":12665.632,"end":12693.849,"text":"是啦 我想這個議題都是一樣的就是說比特幣也好或是穩定幣也好我們一併來考量一併考量但是就是說我們的決定是怎麼樣以目前為止 到目前為止我還是要跟委員講就是說穩定幣跟比特幣作為戰略儲備在我們的外存體裡面的一小部分這個到目前為止我們的態度"},{"start":12694.449,"end":12721.882,"text":"都還沒有改變但是呢時空會改變嘛時空會改變的時候呢我們的那個決定呢也必須要做某些的調整啦不過這個我也不能就是說我們以後就是一定會這樣子啦這個總裁我想大破大立的角色希望您可以來承擔啦因為您剛剛也提了嘛一小部分啦因為我們也要分散風險目前我們看到穩定幣或RWA在美國已經合法化了"},{"start":12722.422,"end":12744.95,"text":"未來我們持有的美債也說不定可以有一部分用RWA的方式代幣化的存放極端狀況發生的時候我們要來交換能源我們要來交換這些武器相對的有可能會更加的方便來降低我們的外匯在現在的狀態的整理風險那我想接著想要跟你討論一下近日在美國這個穩定幣的議題就非常熱門其實穩定幣的利息"},{"start":12749.771,"end":12764.657,"text":"目前對穩定幣的發行人不得向用戶支付利息這個我們都理解但是像平台商交換商這樣的二級市場並沒有明確規範但是前幾天銀行業者在美國已經退一步了"},{"start":12766.138,"end":12794.339,"text":"說僅禁止餘額型的收益對於有行為的獎勵則是維持開放的也就是你有主動性的部分就可以有第三方去提供利息那我們的VASP專法裡面的穩定幣的篇章不管是穩定幣發行運用費值金管會都要洽商央行的意見想請問一下央行對於非發行商提供穩定幣的存放利息主動型的或者被動型的央行的態度是什麼"},{"start":12794.839,"end":12811.395,"text":"我想這個議題還是因為還是在演繹當中那這個今晚會跟我們討論至於就是說我們態度目前為止我想我也不便在這邊講得很細節基本上我們彼此會互相討論好不好"},{"start":12813.016,"end":12827.134,"text":"就彼此尊重尊重專業也尊重金管會還有尊重相關虛擬資產服務業者的意見好不好好那我們就一起來商討謝謝各位委員下一位諮詢委員請洪育翔委員諮詢"},{"start":12844.11,"end":12847.317,"text":"好 謝謝主席我請這個總裁請周一黃楊總裁"},{"start":12859.49,"end":12875.406,"text":"我是把央行的業務報告整個看完我想在第14頁來講的話根據央行的報告我們去年的CPI是1.66%今年大概是預估1.8%"},{"start":12877.128,"end":12891.687,"text":"但是我們在同一份報告也承認整個去年拉高這個物價的主因大概就是外食跟房租它其實動線了我們CPR上升大概1.35個百分點也就是大概佔比是81%"},{"start":12893.149,"end":12914.987,"text":"那我們再看今年的話其實核心的CPI大概也是1.93最有感的還是外使房租大概還有最近的因為油電這些上漲那可能我們還有交通費這些東西那所以呢我們在看的是說整個央行會不會是說在這整個我們這個通膨的溫和"},{"start":12917.509,"end":12936.068,"text":"比較是存在報表上就是人民的生活的感受是不是因為我們可能會低估所以基本上來講就是說想請教這個總裁從我們小老百姓到底這樣子的央行的政策有沒有辦法去減輕我們一些的痛點"},{"start":12938.589,"end":12952.439,"text":"委員問得也很好這個就是說一般的百姓跟我們中央銀行的這個數據來對比的時候總覺得好像是有落差"},{"start":12953.86,"end":12971.596,"text":"那當然就是說從這三項來看的話就跟我們的民生的問題很有關聯而且都漲得比較高但是整體來講的話沒有那麼高那我們中央銀行的決策都是按照整體的來做決定"},{"start":12974.861,"end":12989.784,"text":"那我想第一個我必須要說明的是全球的中央銀行基本上都是以整體的通膨來看的他沒辦法針對某一項某一項那跟民眾比較有關係的第一個我們看就是說"},{"start":12990.645,"end":13000.389,"text":"主計總署他也有發布除了就總部全部的CPI的總指數以外的通膨率以外他也編列了這個賜互有的還有就是說比較所得比較低的他的通膨怎麼樣他也是會反映出低所得者的通膨率比較高明白"},{"start":13015.814,"end":13041.624,"text":"因為央行的政策還是總體的控制但是說如果總裁有一些高見也可以影響一些部會如果會商一下因為我覺得苦民所苦還是很重要但我們每次調查民眾都覺得你講這個都聽不懂是沒有錯就是說另外在央行的報告裡面國際的油價預測從每桶58.3到上修到85可能還會再增加對"},{"start":13043.665,"end":13065.331,"text":"這樣子的話大概就是拉高了我們CPI大概0.52個百分比但是我們靠著比如說台電中油這樣的吸收專案還漲甚至減稅我們把它壓到影響大概0.17個百分比所以你會看出來這個是現在的溫和大概是靠政府的吸收跟國營事業虧損出來的一個幻象"},{"start":13066.806,"end":13086.454,"text":"那我的意思是說如果我們油價繼續攀漲這個雙環漲的機制我不曉得還能撐多久因為最終你這電價調整財政的補貼或國庫的稅收最後還是要回到我們人民的身上嘛或者納稅嘛所以我想說看這個央行總裁有沒有什麼樣的高見"},{"start":13088.135,"end":13108.569,"text":"我跟委員報告 基本上政府用這樣的 所以我跟委員在我回答這個議題之前 我先跟委員報告一下就是說在俄烏戰爭的時候 台灣行政院也用這樣的一個機制來控制我們的通膨"},{"start":13111.031,"end":13127.567,"text":"這個也不是新招 以前我們的穩定的物價這個就是說供給面的問題就必須要用供給面的政策來對付它中美銀行的利率政策是要抑制需求反而是不好的所以應該是政府來做這件事那我們就用俄烏戰爭的這個例子來說明"},{"start":13134.053,"end":13157.067,"text":"當時呢就是說用這樣的來政府用管帳的一個機制的時候呢你看看2020年到2025年呢我們台灣的平均的這個通膨率是1.85好沒關係那個總裁因為時間有限所以可能在報告上面所以我的意思就是說"},{"start":13158.087,"end":13185.118,"text":"政府是還是必要的好還是要必要的明白最後一個我只有最後一個小問題就是因為我們產業發展的事因為我也來自資訊產業我們經濟成長率大概8.68%反正就是我們AI資訊半導體一個人的50%但是也從你的報告看到我們其他服務業的薪資的增長是差了2.81%所以我們這種薪資停滯的痛苦總和有沒有什麼高見這樣子是"},{"start":13186.339,"end":13200.157,"text":"如果說我們的薪資停滯基本上這幾年來講相對前幾年來講的話我們現在的我知道 我知道我們科技又很好 但服務又不好是對啦 當然啦"},{"start":13201.538,"end":13227.351,"text":"所以我們有廣大百分之七十幾的民眾是覺得跟我沒關係不好是相對的啦跟製造業來比較跟電子業來比較它是比較不好但是相較它還是我不耽誤其他的時間我想央行總裁也可以就這樣子的東西給我們一些見解最後這個我就請書面報告就是請這個財經公司的"},{"start":13229.352,"end":13245.898,"text":"就是去年1月的質詢這一個過濾費15塊我想要知道進度如何再跟我提供書面報告好不好好謝謝謝謝謝謝委員謝謝洪委員再來請林楚瑜委員質詢林楚瑜委員林楚瑜委員不在"},{"start":13247.218,"end":13266.171,"text":"請洪孟楷委員 洪孟楷委員 洪孟楷委員不在請林倩琦委員 林倩琦委員 林倩琦委員不在請陳冠廷委員 陳冠廷委員 陳冠廷委員不在請葉元芝委員 葉元芝委員 葉元芝委員不在本次會議做如下決定"},{"start":13273.701,"end":13299.533,"text":"今日發言登記委員均已詢問完畢本次會議做如下決定一 報告局詢問完畢二 委員質詢會及答覆或請補充資訊請中央銀行於週內已書面答覆令委員另要求期限者從其所定本次會議議程已進行完畢堂友不在場委員補庭書面質詢一併列入紀錄刊登公報並請議事人員協助處理現在散會"}]}},"supported_relations":[],"relations":[]}