| IVOD_ID |
170409 |
| IVOD_URL |
https://ivod.ly.gov.tw/Play/Clip/1M/170409 |
| 日期 |
2026-07-09 |
| 會議資料.會議代碼 |
委員會-11-5-20-21 |
| 會議資料.會議代碼:str |
第11屆第5會期財政委員會第21次全體委員會議 |
| 會議資料.屆 |
11 |
| 會議資料.會期 |
5 |
| 會議資料.會次 |
21 |
| 會議資料.種類 |
委員會 |
| 會議資料.委員會代碼[0] |
20 |
| 會議資料.委員會代碼:str[0] |
財政委員會 |
| 會議資料.標題 |
第11屆第5會期財政委員會第21次全體委員會議 |
| 影片種類 |
Clip |
| 開始時間 |
2026-07-09T11:19:37+08:00 |
| 結束時間 |
2026-07-09T11:32:04+08:00 |
| 影片長度 |
00:12:27 |
| 支援功能[0] |
ai-transcript |
| video_url |
https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/819c86070d9120f7eaa313f0a48e5982c6cfcebe9e655170daab8b1e00aaf11760397b764e3c89ef5ea18f28b6918d91.mp4/playlist.m3u8 |
| 委員名稱 |
王世堅 |
| 委員發言時間 |
11:19:37 - 11:32:04 |
| 會議時間 |
2026-07-09T09:00:00+08:00 |
| 會議名稱 |
立法院第11屆第5會期財政委員會第21次全體委員會議（事由：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政策工具」進行專題報告，並備質詢。
【7月8日及9日兩天一次會】） |
| transcript.pyannote[0].speaker |
SPEAKER_02 |
| transcript.pyannote[0].start |
4.40159375 |
| transcript.pyannote[0].end |
5.49846875 |
| transcript.pyannote[1].speaker |
SPEAKER_02 |
| transcript.pyannote[1].start |
5.65034375 |
| transcript.pyannote[1].end |
7.38846875 |
| transcript.pyannote[2].speaker |
SPEAKER_02 |
| transcript.pyannote[2].start |
8.01284375 |
| transcript.pyannote[2].end |
9.00846875 |
| transcript.pyannote[3].speaker |
SPEAKER_02 |
| transcript.pyannote[3].start |
13.37909375 |
| transcript.pyannote[3].end |
13.39596875 |
| transcript.pyannote[4].speaker |
SPEAKER_01 |
| transcript.pyannote[4].start |
13.39596875 |
| transcript.pyannote[4].end |
14.00346875 |
| transcript.pyannote[5].speaker |
SPEAKER_01 |
| transcript.pyannote[5].start |
14.10471875 |
| transcript.pyannote[5].end |
14.15534375 |
| transcript.pyannote[6].speaker |
SPEAKER_02 |
| transcript.pyannote[6].start |
14.15534375 |
| transcript.pyannote[6].end |
15.04971875 |
| transcript.pyannote[7].speaker |
SPEAKER_02 |
| transcript.pyannote[7].start |
15.23534375 |
| transcript.pyannote[7].end |
16.02846875 |
| transcript.pyannote[8].speaker |
SPEAKER_02 |
| transcript.pyannote[8].start |
17.19284375 |
| transcript.pyannote[8].end |
18.64409375 |
| transcript.pyannote[9].speaker |
SPEAKER_02 |
| transcript.pyannote[9].start |
18.91409375 |
| transcript.pyannote[9].end |
21.59721875 |
| transcript.pyannote[10].speaker |
SPEAKER_02 |
| transcript.pyannote[10].start |
22.00221875 |
| transcript.pyannote[10].end |
33.19034375 |
| transcript.pyannote[11].speaker |
SPEAKER_02 |
| transcript.pyannote[11].start |
33.54471875 |
| transcript.pyannote[11].end |
42.15096875 |
| transcript.pyannote[12].speaker |
SPEAKER_00 |
| transcript.pyannote[12].start |
42.15096875 |
| transcript.pyannote[12].end |
42.33659375 |
| transcript.pyannote[13].speaker |
SPEAKER_02 |
| transcript.pyannote[13].start |
42.33659375 |
| transcript.pyannote[13].end |
43.58534375 |
| transcript.pyannote[14].speaker |
SPEAKER_02 |
| transcript.pyannote[14].start |
43.68659375 |
| transcript.pyannote[14].end |
57.87846875 |
| transcript.pyannote[15].speaker |
SPEAKER_02 |
| transcript.pyannote[15].start |
58.23284375 |
| transcript.pyannote[15].end |
73.13346875 |
| transcript.pyannote[16].speaker |
SPEAKER_02 |
| transcript.pyannote[16].start |
73.42034375 |
| transcript.pyannote[16].end |
97.14659375 |
| transcript.pyannote[17].speaker |
SPEAKER_00 |
| transcript.pyannote[17].start |
75.61409375 |
| transcript.pyannote[17].end |
76.01909375 |
| transcript.pyannote[18].speaker |
SPEAKER_02 |
| transcript.pyannote[18].start |
97.99034375 |
| transcript.pyannote[18].end |
126.47534375 |
| transcript.pyannote[19].speaker |
SPEAKER_02 |
| transcript.pyannote[19].start |
126.66096875 |
| transcript.pyannote[19].end |
132.48284375 |
| transcript.pyannote[20].speaker |
SPEAKER_02 |
| transcript.pyannote[20].start |
133.15784375 |
| transcript.pyannote[20].end |
135.23346875 |
| transcript.pyannote[21].speaker |
SPEAKER_02 |
| transcript.pyannote[21].start |
135.48659375 |
| transcript.pyannote[21].end |
136.02659375 |
| transcript.pyannote[22].speaker |
SPEAKER_02 |
| transcript.pyannote[22].start |
136.63409375 |
| transcript.pyannote[22].end |
141.66284375 |
| transcript.pyannote[23].speaker |
SPEAKER_02 |
| transcript.pyannote[23].start |
141.89909375 |
| transcript.pyannote[23].end |
149.56034375 |
| transcript.pyannote[24].speaker |
SPEAKER_02 |
| transcript.pyannote[24].start |
149.86409375 |
| transcript.pyannote[24].end |
160.12409375 |
| transcript.pyannote[25].speaker |
SPEAKER_02 |
| transcript.pyannote[25].start |
160.34346875 |
| transcript.pyannote[25].end |
163.44846875 |
| transcript.pyannote[26].speaker |
SPEAKER_00 |
| transcript.pyannote[26].start |
163.44846875 |
| transcript.pyannote[26].end |
163.56659375 |
| transcript.pyannote[27].speaker |
SPEAKER_02 |
| transcript.pyannote[27].start |
163.56659375 |
| transcript.pyannote[27].end |
168.93284375 |
| transcript.pyannote[28].speaker |
SPEAKER_02 |
| transcript.pyannote[28].start |
169.75971875 |
| transcript.pyannote[28].end |
175.21034375 |
| transcript.pyannote[29].speaker |
SPEAKER_00 |
| transcript.pyannote[29].start |
173.92784375 |
| transcript.pyannote[29].end |
174.36659375 |
| transcript.pyannote[30].speaker |
SPEAKER_02 |
| transcript.pyannote[30].start |
175.63221875 |
| transcript.pyannote[30].end |
183.15846875 |
| transcript.pyannote[31].speaker |
SPEAKER_00 |
| transcript.pyannote[31].start |
177.60659375 |
| transcript.pyannote[31].end |
178.01159375 |
| transcript.pyannote[32].speaker |
SPEAKER_00 |
| transcript.pyannote[32].start |
179.46284375 |
| transcript.pyannote[32].end |
179.95221875 |
| transcript.pyannote[33].speaker |
SPEAKER_00 |
| transcript.pyannote[33].start |
183.15846875 |
| transcript.pyannote[33].end |
183.83346875 |
| transcript.pyannote[34].speaker |
SPEAKER_02 |
| transcript.pyannote[34].start |
183.83346875 |
| transcript.pyannote[34].end |
187.57971875 |
| transcript.pyannote[35].speaker |
SPEAKER_00 |
| transcript.pyannote[35].start |
187.57971875 |
| transcript.pyannote[35].end |
187.95096875 |
| transcript.pyannote[36].speaker |
SPEAKER_02 |
| transcript.pyannote[36].start |
187.91721875 |
| transcript.pyannote[36].end |
194.68409375 |
| transcript.pyannote[37].speaker |
SPEAKER_00 |
| transcript.pyannote[37].start |
194.68409375 |
| transcript.pyannote[37].end |
194.95409375 |
| transcript.pyannote[38].speaker |
SPEAKER_02 |
| transcript.pyannote[38].start |
194.95409375 |
| transcript.pyannote[38].end |
204.03284375 |
| transcript.pyannote[39].speaker |
SPEAKER_02 |
| transcript.pyannote[39].start |
205.14659375 |
| transcript.pyannote[39].end |
207.13784375 |
| transcript.pyannote[40].speaker |
SPEAKER_02 |
| transcript.pyannote[40].start |
207.61034375 |
| transcript.pyannote[40].end |
208.60596875 |
| transcript.pyannote[41].speaker |
SPEAKER_02 |
| transcript.pyannote[41].start |
209.07846875 |
| transcript.pyannote[41].end |
209.71971875 |
| transcript.pyannote[42].speaker |
SPEAKER_02 |
| transcript.pyannote[42].start |
210.22596875 |
| transcript.pyannote[42].end |
211.89659375 |
| transcript.pyannote[43].speaker |
SPEAKER_02 |
| transcript.pyannote[43].start |
212.30159375 |
| transcript.pyannote[43].end |
213.61784375 |
| transcript.pyannote[44].speaker |
SPEAKER_02 |
| transcript.pyannote[44].start |
214.37721875 |
| transcript.pyannote[44].end |
227.57346875 |
| transcript.pyannote[45].speaker |
SPEAKER_02 |
| transcript.pyannote[45].start |
227.91096875 |
| transcript.pyannote[45].end |
233.22659375 |
| transcript.pyannote[46].speaker |
SPEAKER_01 |
| transcript.pyannote[46].start |
233.44596875 |
| transcript.pyannote[46].end |
237.85034375 |
| transcript.pyannote[47].speaker |
SPEAKER_02 |
| transcript.pyannote[47].start |
236.23034375 |
| transcript.pyannote[47].end |
237.52971875 |
| transcript.pyannote[48].speaker |
SPEAKER_02 |
| transcript.pyannote[48].start |
238.06971875 |
| transcript.pyannote[48].end |
242.71034375 |
| transcript.pyannote[49].speaker |
SPEAKER_01 |
| transcript.pyannote[49].start |
240.55034375 |
| transcript.pyannote[49].end |
240.85409375 |
| transcript.pyannote[50].speaker |
SPEAKER_02 |
| transcript.pyannote[50].start |
242.94659375 |
| transcript.pyannote[50].end |
243.80721875 |
| transcript.pyannote[51].speaker |
SPEAKER_02 |
| transcript.pyannote[51].start |
244.54971875 |
| transcript.pyannote[51].end |
251.43471875 |
| transcript.pyannote[52].speaker |
SPEAKER_02 |
| transcript.pyannote[52].start |
251.73846875 |
| transcript.pyannote[52].end |
254.01659375 |
| transcript.pyannote[53].speaker |
SPEAKER_02 |
| transcript.pyannote[53].start |
254.28659375 |
| transcript.pyannote[53].end |
257.15534375 |
| transcript.pyannote[54].speaker |
SPEAKER_00 |
| transcript.pyannote[54].start |
257.15534375 |
| transcript.pyannote[54].end |
257.52659375 |
| transcript.pyannote[55].speaker |
SPEAKER_02 |
| transcript.pyannote[55].start |
257.52659375 |
| transcript.pyannote[55].end |
258.42096875 |
| transcript.pyannote[56].speaker |
SPEAKER_00 |
| transcript.pyannote[56].start |
258.42096875 |
| transcript.pyannote[56].end |
258.65721875 |
| transcript.pyannote[57].speaker |
SPEAKER_02 |
| transcript.pyannote[57].start |
258.65721875 |
| transcript.pyannote[57].end |
262.06596875 |
| transcript.pyannote[58].speaker |
SPEAKER_00 |
| transcript.pyannote[58].start |
262.16721875 |
| transcript.pyannote[58].end |
262.53846875 |
| transcript.pyannote[59].speaker |
SPEAKER_02 |
| transcript.pyannote[59].start |
262.53846875 |
| transcript.pyannote[59].end |
265.03596875 |
| transcript.pyannote[60].speaker |
SPEAKER_00 |
| transcript.pyannote[60].start |
265.10346875 |
| transcript.pyannote[60].end |
265.54221875 |
| transcript.pyannote[61].speaker |
SPEAKER_02 |
| transcript.pyannote[61].start |
265.54221875 |
| transcript.pyannote[61].end |
266.62221875 |
| transcript.pyannote[62].speaker |
SPEAKER_00 |
| transcript.pyannote[62].start |
266.62221875 |
| transcript.pyannote[62].end |
266.90909375 |
| transcript.pyannote[63].speaker |
SPEAKER_02 |
| transcript.pyannote[63].start |
266.79096875 |
| transcript.pyannote[63].end |
270.01409375 |
| transcript.pyannote[64].speaker |
SPEAKER_00 |
| transcript.pyannote[64].start |
270.01409375 |
| transcript.pyannote[64].end |
270.36846875 |
| transcript.pyannote[65].speaker |
SPEAKER_02 |
| transcript.pyannote[65].start |
270.36846875 |
| transcript.pyannote[65].end |
273.70971875 |
| transcript.pyannote[66].speaker |
SPEAKER_00 |
| transcript.pyannote[66].start |
272.42721875 |
| transcript.pyannote[66].end |
272.49471875 |
| transcript.pyannote[67].speaker |
SPEAKER_00 |
| transcript.pyannote[67].start |
273.70971875 |
| transcript.pyannote[67].end |
274.01346875 |
| transcript.pyannote[68].speaker |
SPEAKER_02 |
| transcript.pyannote[68].start |
274.01346875 |
| transcript.pyannote[68].end |
281.38784375 |
| transcript.pyannote[69].speaker |
SPEAKER_00 |
| transcript.pyannote[69].start |
277.45596875 |
| transcript.pyannote[69].end |
278.23221875 |
| transcript.pyannote[70].speaker |
SPEAKER_00 |
| transcript.pyannote[70].start |
280.72971875 |
| transcript.pyannote[70].end |
280.91534375 |
| transcript.pyannote[71].speaker |
SPEAKER_02 |
| transcript.pyannote[71].start |
282.43409375 |
| transcript.pyannote[71].end |
282.97409375 |
| transcript.pyannote[72].speaker |
SPEAKER_02 |
| transcript.pyannote[72].start |
283.76721875 |
| transcript.pyannote[72].end |
284.86409375 |
| transcript.pyannote[73].speaker |
SPEAKER_02 |
| transcript.pyannote[73].start |
285.21846875 |
| transcript.pyannote[73].end |
295.69784375 |
| transcript.pyannote[74].speaker |
SPEAKER_00 |
| transcript.pyannote[74].start |
293.90909375 |
| transcript.pyannote[74].end |
294.02721875 |
| transcript.pyannote[75].speaker |
SPEAKER_00 |
| transcript.pyannote[75].start |
295.78221875 |
| transcript.pyannote[75].end |
296.10284375 |
| transcript.pyannote[76].speaker |
SPEAKER_02 |
| transcript.pyannote[76].start |
296.10284375 |
| transcript.pyannote[76].end |
303.30846875 |
| transcript.pyannote[77].speaker |
SPEAKER_02 |
| transcript.pyannote[77].start |
304.00034375 |
| transcript.pyannote[77].end |
306.04221875 |
| transcript.pyannote[78].speaker |
SPEAKER_02 |
| transcript.pyannote[78].start |
306.70034375 |
| transcript.pyannote[78].end |
310.88534375 |
| transcript.pyannote[79].speaker |
SPEAKER_02 |
| transcript.pyannote[79].start |
311.54346875 |
| transcript.pyannote[79].end |
315.96471875 |
| transcript.pyannote[80].speaker |
SPEAKER_00 |
| transcript.pyannote[80].start |
315.96471875 |
| transcript.pyannote[80].end |
316.43721875 |
| transcript.pyannote[81].speaker |
SPEAKER_02 |
| transcript.pyannote[81].start |
316.43721875 |
| transcript.pyannote[81].end |
319.60971875 |
| transcript.pyannote[82].speaker |
SPEAKER_02 |
| transcript.pyannote[82].start |
320.03159375 |
| transcript.pyannote[82].end |
321.48284375 |
| transcript.pyannote[83].speaker |
SPEAKER_02 |
| transcript.pyannote[83].start |
322.22534375 |
| transcript.pyannote[83].end |
324.04784375 |
| transcript.pyannote[84].speaker |
SPEAKER_02 |
| transcript.pyannote[84].start |
324.25034375 |
| transcript.pyannote[84].end |
327.40596875 |
| transcript.pyannote[85].speaker |
SPEAKER_02 |
| transcript.pyannote[85].start |
327.84471875 |
| transcript.pyannote[85].end |
329.59971875 |
| transcript.pyannote[86].speaker |
SPEAKER_02 |
| transcript.pyannote[86].start |
330.13971875 |
| transcript.pyannote[86].end |
335.91096875 |
| transcript.pyannote[87].speaker |
SPEAKER_02 |
| transcript.pyannote[87].start |
336.45096875 |
| transcript.pyannote[87].end |
337.85159375 |
| transcript.pyannote[88].speaker |
SPEAKER_02 |
| transcript.pyannote[88].start |
338.32409375 |
| transcript.pyannote[88].end |
350.84534375 |
| transcript.pyannote[89].speaker |
SPEAKER_02 |
| transcript.pyannote[89].start |
353.03909375 |
| transcript.pyannote[89].end |
356.05971875 |
| transcript.pyannote[90].speaker |
SPEAKER_02 |
| transcript.pyannote[90].start |
356.51534375 |
| transcript.pyannote[90].end |
362.11784375 |
| transcript.pyannote[91].speaker |
SPEAKER_00 |
| transcript.pyannote[91].start |
362.11784375 |
| transcript.pyannote[91].end |
362.37096875 |
| transcript.pyannote[92].speaker |
SPEAKER_02 |
| transcript.pyannote[92].start |
362.37096875 |
| transcript.pyannote[92].end |
372.20909375 |
| transcript.pyannote[93].speaker |
SPEAKER_00 |
| transcript.pyannote[93].start |
372.20909375 |
| transcript.pyannote[93].end |
373.03596875 |
| transcript.pyannote[94].speaker |
SPEAKER_02 |
| transcript.pyannote[94].start |
373.03596875 |
| transcript.pyannote[94].end |
373.10346875 |
| transcript.pyannote[95].speaker |
SPEAKER_00 |
| transcript.pyannote[95].start |
373.10346875 |
| transcript.pyannote[95].end |
373.15409375 |
| transcript.pyannote[96].speaker |
SPEAKER_02 |
| transcript.pyannote[96].start |
373.15409375 |
| transcript.pyannote[96].end |
373.17096875 |
| transcript.pyannote[97].speaker |
SPEAKER_00 |
| transcript.pyannote[97].start |
373.17096875 |
| transcript.pyannote[97].end |
373.18784375 |
| transcript.pyannote[98].speaker |
SPEAKER_02 |
| transcript.pyannote[98].start |
373.18784375 |
| transcript.pyannote[98].end |
373.20471875 |
| transcript.pyannote[99].speaker |
SPEAKER_00 |
| transcript.pyannote[99].start |
373.20471875 |
| transcript.pyannote[99].end |
373.23846875 |
| transcript.pyannote[100].speaker |
SPEAKER_02 |
| transcript.pyannote[100].start |
373.23846875 |
| transcript.pyannote[100].end |
375.14534375 |
| transcript.pyannote[101].speaker |
SPEAKER_02 |
| transcript.pyannote[101].start |
375.73596875 |
| transcript.pyannote[101].end |
379.63409375 |
| transcript.pyannote[102].speaker |
SPEAKER_02 |
| transcript.pyannote[102].start |
380.24159375 |
| transcript.pyannote[102].end |
383.02596875 |
| transcript.pyannote[103].speaker |
SPEAKER_02 |
| transcript.pyannote[103].start |
384.03846875 |
| transcript.pyannote[103].end |
384.24096875 |
| transcript.pyannote[104].speaker |
SPEAKER_02 |
| transcript.pyannote[104].start |
384.84846875 |
| transcript.pyannote[104].end |
390.38346875 |
| transcript.pyannote[105].speaker |
SPEAKER_00 |
| transcript.pyannote[105].start |
390.38346875 |
| transcript.pyannote[105].end |
390.50159375 |
| transcript.pyannote[106].speaker |
SPEAKER_02 |
| transcript.pyannote[106].start |
390.40034375 |
| transcript.pyannote[106].end |
405.55409375 |
| transcript.pyannote[107].speaker |
SPEAKER_02 |
| transcript.pyannote[107].start |
406.26284375 |
| transcript.pyannote[107].end |
410.49846875 |
| transcript.pyannote[108].speaker |
SPEAKER_02 |
| transcript.pyannote[108].start |
410.61659375 |
| transcript.pyannote[108].end |
417.92346875 |
| transcript.pyannote[109].speaker |
SPEAKER_00 |
| transcript.pyannote[109].start |
417.92346875 |
| transcript.pyannote[109].end |
418.29471875 |
| transcript.pyannote[110].speaker |
SPEAKER_02 |
| transcript.pyannote[110].start |
418.29471875 |
| transcript.pyannote[110].end |
426.05721875 |
| transcript.pyannote[111].speaker |
SPEAKER_02 |
| transcript.pyannote[111].start |
426.83346875 |
| transcript.pyannote[111].end |
427.87971875 |
| transcript.pyannote[112].speaker |
SPEAKER_02 |
| transcript.pyannote[112].start |
428.52096875 |
| transcript.pyannote[112].end |
429.68534375 |
| transcript.pyannote[113].speaker |
SPEAKER_00 |
| transcript.pyannote[113].start |
429.71909375 |
| transcript.pyannote[113].end |
430.14096875 |
| transcript.pyannote[114].speaker |
SPEAKER_02 |
| transcript.pyannote[114].start |
430.14096875 |
| transcript.pyannote[114].end |
431.65971875 |
| transcript.pyannote[115].speaker |
SPEAKER_02 |
| transcript.pyannote[115].start |
432.35159375 |
| transcript.pyannote[115].end |
439.97909375 |
| transcript.pyannote[116].speaker |
SPEAKER_01 |
| transcript.pyannote[116].start |
438.71346875 |
| transcript.pyannote[116].end |
438.76409375 |
| transcript.pyannote[117].speaker |
SPEAKER_01 |
| transcript.pyannote[117].start |
440.80596875 |
| transcript.pyannote[117].end |
458.64284375 |
| transcript.pyannote[118].speaker |
SPEAKER_01 |
| transcript.pyannote[118].start |
458.96346875 |
| transcript.pyannote[118].end |
482.13284375 |
| transcript.pyannote[119].speaker |
SPEAKER_02 |
| transcript.pyannote[119].start |
482.33534375 |
| transcript.pyannote[119].end |
487.07721875 |
| transcript.pyannote[120].speaker |
SPEAKER_01 |
| transcript.pyannote[120].start |
484.25909375 |
| transcript.pyannote[120].end |
487.48221875 |
| transcript.pyannote[121].speaker |
SPEAKER_01 |
| transcript.pyannote[121].start |
488.10659375 |
| transcript.pyannote[121].end |
507.00659375 |
| transcript.pyannote[122].speaker |
SPEAKER_00 |
| transcript.pyannote[122].start |
495.95346875 |
| transcript.pyannote[122].end |
496.20659375 |
| transcript.pyannote[123].speaker |
SPEAKER_01 |
| transcript.pyannote[123].start |
507.25971875 |
| transcript.pyannote[123].end |
509.40284375 |
| transcript.pyannote[124].speaker |
SPEAKER_01 |
| transcript.pyannote[124].start |
509.45346875 |
| transcript.pyannote[124].end |
513.57096875 |
| transcript.pyannote[125].speaker |
SPEAKER_01 |
| transcript.pyannote[125].start |
513.73971875 |
| transcript.pyannote[125].end |
534.05721875 |
| transcript.pyannote[126].speaker |
SPEAKER_02 |
| transcript.pyannote[126].start |
514.29659375 |
| transcript.pyannote[126].end |
514.63409375 |
| transcript.pyannote[127].speaker |
SPEAKER_01 |
| transcript.pyannote[127].start |
534.95159375 |
| transcript.pyannote[127].end |
538.12409375 |
| transcript.pyannote[128].speaker |
SPEAKER_01 |
| transcript.pyannote[128].start |
538.34346875 |
| transcript.pyannote[128].end |
539.44034375 |
| transcript.pyannote[129].speaker |
SPEAKER_01 |
| transcript.pyannote[129].start |
539.69346875 |
| transcript.pyannote[129].end |
548.31659375 |
| transcript.pyannote[130].speaker |
SPEAKER_01 |
| transcript.pyannote[130].start |
548.99159375 |
| transcript.pyannote[130].end |
555.06659375 |
| transcript.pyannote[131].speaker |
SPEAKER_01 |
| transcript.pyannote[131].start |
556.23096875 |
| transcript.pyannote[131].end |
559.99409375 |
| transcript.pyannote[132].speaker |
SPEAKER_01 |
| transcript.pyannote[132].start |
560.68596875 |
| transcript.pyannote[132].end |
575.99159375 |
| transcript.pyannote[133].speaker |
SPEAKER_02 |
| transcript.pyannote[133].start |
571.58721875 |
| transcript.pyannote[133].end |
571.77284375 |
| transcript.pyannote[134].speaker |
SPEAKER_02 |
| transcript.pyannote[134].start |
572.02596875 |
| transcript.pyannote[134].end |
576.05909375 |
| transcript.pyannote[135].speaker |
SPEAKER_01 |
| transcript.pyannote[135].start |
576.05909375 |
| transcript.pyannote[135].end |
576.97034375 |
| transcript.pyannote[136].speaker |
SPEAKER_02 |
| transcript.pyannote[136].start |
576.97034375 |
| transcript.pyannote[136].end |
577.25721875 |
| transcript.pyannote[137].speaker |
SPEAKER_01 |
| transcript.pyannote[137].start |
577.25721875 |
| transcript.pyannote[137].end |
578.84346875 |
| transcript.pyannote[138].speaker |
SPEAKER_02 |
| transcript.pyannote[138].start |
577.56096875 |
| transcript.pyannote[138].end |
597.81096875 |
| transcript.pyannote[139].speaker |
SPEAKER_01 |
| transcript.pyannote[139].start |
584.93534375 |
| transcript.pyannote[139].end |
586.28534375 |
| transcript.pyannote[140].speaker |
SPEAKER_00 |
| transcript.pyannote[140].start |
587.90534375 |
| transcript.pyannote[140].end |
587.92221875 |
| transcript.pyannote[141].speaker |
SPEAKER_01 |
| transcript.pyannote[141].start |
587.92221875 |
| transcript.pyannote[141].end |
587.93909375 |
| transcript.pyannote[142].speaker |
SPEAKER_00 |
| transcript.pyannote[142].start |
587.93909375 |
| transcript.pyannote[142].end |
587.97284375 |
| transcript.pyannote[143].speaker |
SPEAKER_01 |
| transcript.pyannote[143].start |
587.97284375 |
| transcript.pyannote[143].end |
588.20909375 |
| transcript.pyannote[144].speaker |
SPEAKER_00 |
| transcript.pyannote[144].start |
588.88409375 |
| transcript.pyannote[144].end |
588.90096875 |
| transcript.pyannote[145].speaker |
SPEAKER_01 |
| transcript.pyannote[145].start |
588.90096875 |
| transcript.pyannote[145].end |
589.64346875 |
| transcript.pyannote[146].speaker |
SPEAKER_01 |
| transcript.pyannote[146].start |
589.86284375 |
| transcript.pyannote[146].end |
590.14971875 |
| transcript.pyannote[147].speaker |
SPEAKER_01 |
| transcript.pyannote[147].start |
593.38971875 |
| transcript.pyannote[147].end |
594.73971875 |
| transcript.pyannote[148].speaker |
SPEAKER_01 |
| transcript.pyannote[148].start |
595.54971875 |
| transcript.pyannote[148].end |
599.68409375 |
| transcript.pyannote[149].speaker |
SPEAKER_02 |
| transcript.pyannote[149].start |
598.73909375 |
| transcript.pyannote[149].end |
601.47284375 |
| transcript.pyannote[150].speaker |
SPEAKER_00 |
| transcript.pyannote[150].start |
601.06784375 |
| transcript.pyannote[150].end |
601.10159375 |
| transcript.pyannote[151].speaker |
SPEAKER_01 |
| transcript.pyannote[151].start |
601.10159375 |
| transcript.pyannote[151].end |
601.13534375 |
| transcript.pyannote[152].speaker |
SPEAKER_00 |
| transcript.pyannote[152].start |
601.13534375 |
| transcript.pyannote[152].end |
601.23659375 |
| transcript.pyannote[153].speaker |
SPEAKER_02 |
| transcript.pyannote[153].start |
601.70909375 |
| transcript.pyannote[153].end |
602.13096875 |
| transcript.pyannote[154].speaker |
SPEAKER_02 |
| transcript.pyannote[154].start |
602.85659375 |
| transcript.pyannote[154].end |
641.19659375 |
| transcript.pyannote[155].speaker |
SPEAKER_00 |
| transcript.pyannote[155].start |
603.88596875 |
| transcript.pyannote[155].end |
603.90284375 |
| transcript.pyannote[156].speaker |
SPEAKER_01 |
| transcript.pyannote[156].start |
605.18534375 |
| transcript.pyannote[156].end |
605.43846875 |
| transcript.pyannote[157].speaker |
SPEAKER_01 |
| transcript.pyannote[157].start |
607.59846875 |
| transcript.pyannote[157].end |
607.88534375 |
| transcript.pyannote[158].speaker |
SPEAKER_01 |
| transcript.pyannote[158].start |
608.83034375 |
| transcript.pyannote[158].end |
609.16784375 |
| transcript.pyannote[159].speaker |
SPEAKER_01 |
| transcript.pyannote[159].start |
610.31534375 |
| transcript.pyannote[159].end |
610.75409375 |
| transcript.pyannote[160].speaker |
SPEAKER_01 |
| transcript.pyannote[160].start |
611.12534375 |
| transcript.pyannote[160].end |
611.86784375 |
| transcript.pyannote[161].speaker |
SPEAKER_01 |
| transcript.pyannote[161].start |
612.47534375 |
| transcript.pyannote[161].end |
613.20096875 |
| transcript.pyannote[162].speaker |
SPEAKER_00 |
| transcript.pyannote[162].start |
613.20096875 |
| transcript.pyannote[162].end |
613.21784375 |
| transcript.pyannote[163].speaker |
SPEAKER_00 |
| transcript.pyannote[163].start |
613.75784375 |
| transcript.pyannote[163].end |
613.77471875 |
| transcript.pyannote[164].speaker |
SPEAKER_01 |
| transcript.pyannote[164].start |
613.77471875 |
| transcript.pyannote[164].end |
614.02784375 |
| transcript.pyannote[165].speaker |
SPEAKER_00 |
| transcript.pyannote[165].start |
614.02784375 |
| transcript.pyannote[165].end |
615.27659375 |
| transcript.pyannote[166].speaker |
SPEAKER_00 |
| transcript.pyannote[166].start |
618.09471875 |
| transcript.pyannote[166].end |
618.39846875 |
| transcript.pyannote[167].speaker |
SPEAKER_00 |
| transcript.pyannote[167].start |
641.19659375 |
| transcript.pyannote[167].end |
641.43284375 |
| transcript.pyannote[168].speaker |
SPEAKER_02 |
| transcript.pyannote[168].start |
641.43284375 |
| transcript.pyannote[168].end |
658.72971875 |
| transcript.pyannote[169].speaker |
SPEAKER_00 |
| transcript.pyannote[169].start |
641.60159375 |
| transcript.pyannote[169].end |
641.63534375 |
| transcript.pyannote[170].speaker |
SPEAKER_02 |
| transcript.pyannote[170].start |
659.43846875 |
| transcript.pyannote[170].end |
667.84221875 |
| transcript.pyannote[171].speaker |
SPEAKER_00 |
| transcript.pyannote[171].start |
660.99096875 |
| transcript.pyannote[171].end |
661.00784375 |
| transcript.pyannote[172].speaker |
SPEAKER_00 |
| transcript.pyannote[172].start |
667.84221875 |
| transcript.pyannote[172].end |
668.24721875 |
| transcript.pyannote[173].speaker |
SPEAKER_02 |
| transcript.pyannote[173].start |
668.24721875 |
| transcript.pyannote[173].end |
670.39034375 |
| transcript.pyannote[174].speaker |
SPEAKER_00 |
| transcript.pyannote[174].start |
670.39034375 |
| transcript.pyannote[174].end |
670.49159375 |
| transcript.pyannote[175].speaker |
SPEAKER_02 |
| transcript.pyannote[175].start |
670.49159375 |
| transcript.pyannote[175].end |
697.86284375 |
| transcript.pyannote[176].speaker |
SPEAKER_02 |
| transcript.pyannote[176].start |
698.65596875 |
| transcript.pyannote[176].end |
700.49534375 |
| transcript.pyannote[177].speaker |
SPEAKER_02 |
| transcript.pyannote[177].start |
700.69784375 |
| transcript.pyannote[177].end |
700.95096875 |
| transcript.pyannote[178].speaker |
SPEAKER_02 |
| transcript.pyannote[178].start |
701.84534375 |
| transcript.pyannote[178].end |
702.23346875 |
| transcript.pyannote[179].speaker |
SPEAKER_02 |
| transcript.pyannote[179].start |
703.07721875 |
| transcript.pyannote[179].end |
705.11909375 |
| transcript.pyannote[180].speaker |
SPEAKER_00 |
| transcript.pyannote[180].start |
705.11909375 |
| transcript.pyannote[180].end |
705.35534375 |
| transcript.pyannote[181].speaker |
SPEAKER_02 |
| transcript.pyannote[181].start |
705.35534375 |
| transcript.pyannote[181].end |
744.80909375 |
| transcript.pyannote[182].speaker |
SPEAKER_00 |
| transcript.pyannote[182].start |
711.07596875 |
| transcript.pyannote[182].end |
711.56534375 |
| transcript.pyannote[183].speaker |
SPEAKER_00 |
| transcript.pyannote[183].start |
712.32471875 |
| transcript.pyannote[183].end |
712.93221875 |
| transcript.pyannote[184].speaker |
SPEAKER_01 |
| transcript.pyannote[184].start |
744.06659375 |
| transcript.pyannote[184].end |
745.36596875 |
| transcript.pyannote[185].speaker |
SPEAKER_02 |
| transcript.pyannote[185].start |
745.21409375 |
| transcript.pyannote[185].end |
746.96909375 |
| transcript.whisperx[0].start |
5.158 |
| transcript.whisperx[0].end |
8.303 |
| transcript.whisperx[0].text |
謝謝主席 我請央行 楊總裁請總裁早這個 |
| transcript.whisperx[1].start |
17.253 |
| transcript.whisperx[1].end |
40.168 |
| transcript.whisperx[1].text |
今年6月18號那麼我們央行第二屆第二季禮監事會議那有做了大概我把它歸納兩大重點第一個重點就是維持利率不調整那麼第二個就是針對這個維持信用管制的部分打房的這個部分一樣 |
| transcript.whisperx[2].start |
40.908 |
| transcript.whisperx[2].end |
69.904 |
| transcript.whisperx[2].text |
也是繼續維持那這一點很好我今天要跟你探討的就是這兩件事情第一件事情我先從這個房市維持信用管制講起我覺得這一點總裁你們這一點確實有堅持那麼這一個風骨我非常肯定因為這當中有很多房地產業者甚至民間的大戶他們透過各種方式 |
| transcript.whisperx[3].start |
70.684 |
| transcript.whisperx[3].end |
94.383 |
| transcript.whisperx[3].text |
還做成新聞都一直在針對央行這個政策那麼都一直用各用盡各種方法就是希望你們反轉那我看114年到現在這115年5月剛好這兩年裡面我們從開始管制那麼我們的目標要壓到房市在放款率而佔35%一直維持到 |
| transcript.whisperx[4].start |
98.318 |
| transcript.whisperx[4].end |
113.104 |
| transcript.whisperx[4].text |
現在為止我們已經從37.61兩年來降到35.17我覺得已經對這個目標算是有達成所以我希望維持信用管制能夠繼續下去為什麼 |
| transcript.whisperx[5].start |
115.805 |
| transcript.whisperx[5].end |
132.092 |
| transcript.whisperx[5].text |
因為我們台灣的房價確實全世界可以說我們是數一數二啦這個我們的房價指數過高那麼這個房價指數我們不但漲幅是全世界名列前茅 |
| transcript.whisperx[6].start |
133.206 |
| transcript.whisperx[6].end |
157.147 |
| transcript.whisperx[6].text |
而且我舉一個例子你看我們今年的四月份才稍微放寬一下一個月馬上馬上就有24億元又湧入房市照說四月份正式高科技股市大好的時候結果你只要稍微一點點的放鬆 |
| transcript.whisperx[7].start |
158.408 |
| transcript.whisperx[7].end |
187.191 |
| transcript.whisperx[7].text |
結果馬上大筆的資金又湧入房市而且這個湧入房市我都覺得這個有一些是因為我們國內我們就是對房屋持有成本低嘛再加上要囤房的代價小我們利率一直那麼低所以富豪是坐永多屋啦那現在生斗小民是一宅難求 |
| transcript.whisperx[8].start |
187.991 |
| transcript.whisperx[8].end |
203.749 |
| transcript.whisperx[8].text |
所以我覺得這個策略我們繼續維持信用管制這是非常正確的你看連我們最保守的連我們最保守的內政部他在估這個住宅價格的時候他把 |
| transcript.whisperx[9].start |
205.402 |
| transcript.whisperx[9].end |
231.022 |
| transcript.whisperx[9].text |
當中實價房屋累積的漲幅都來到25%都高過澳洲、美國甚至新加坡、南韓等這些國家所以確確實實我們台灣房價的漲幅在世界是名列前茅我希望維持信用管制這一點楊總裁你們能夠堅持好不好 |
| transcript.whisperx[10].start |
238.152 |
| transcript.whisperx[10].end |
243.361 |
| transcript.whisperx[10].text |
另外一點就是導致利率我有一些看法可能就是 |
| transcript.whisperx[11].start |
244.622 |
| transcript.whisperx[11].end |
264.734 |
| transcript.whisperx[11].text |
可能跟總裁您這邊可能要探討一下就是說你看我舉光2022年一年美國2022年一年一年而後他們一年連調了四次大概有三碼之多 |
| transcript.whisperx[12].start |
265.635 |
| transcript.whisperx[12].end |
281.121 |
| transcript.whisperx[12].text |
的這個利息而我們我們連這三年我們連一碼也不調一碼也沒有升當然我知道你有多方面包括匯率的考量要我們這個出口的部分可是可是 |
| transcript.whisperx[13].start |
285.358 |
| transcript.whisperx[13].end |
303.015 |
| transcript.whisperx[13].text |
我們的通貨膨脹 CPI指數現在已經高到都已經達到警戒線都已經達到2%了連你們自己的估計喔連你們的估計也是估這個今年第二季的 |
| transcript.whisperx[14].start |
304.056 |
| transcript.whisperx[14].end |
321.239 |
| transcript.whisperx[14].text |
通貨膨脹率你們也是估2.6%你們甚至認為7月還會在2%以上抱歉這是主計總數主計總數的估計那你們當初預估今年的第二季 |
| transcript.whisperx[15].start |
322.324 |
| transcript.whisperx[15].end |
348.585 |
| transcript.whisperx[15].text |
CPI 2.1那事實上事實上還更高了不是嗎事實上已經來到2.17所以我認為當CPI高有點通膨的時候來到警戒線的時候是不是在國外尤其美國他們都以適度的調高利率來調節這個物價 |
| transcript.whisperx[16].start |
353.083 |
| transcript.whisperx[16].end |
374.874 |
| transcript.whisperx[16].text |
而在這一次的你們的理監事會議裡面當然以您的意見為主導最後還是不調但是當中有兩位理事他們也提起說是不是可以適度的用利率來控制通膨加上這個最近 |
| transcript.whisperx[17].start |
376.335 |
| transcript.whisperx[17].end |
382.529 |
| transcript.whisperx[17].text |
這個在AI產品有一個新名稱這個新名稱就是AI通膨 |
| transcript.whisperx[18].start |
386.112 |
| transcript.whisperx[18].end |
405.186 |
| transcript.whisperx[18].text |
因為我們高科技產品電子產品原物料的上漲那這一個部分因為AI需求的強勁那帶動這些上漲我們六月啊教養設備跟用具CPI年增率是7.39真的是符合 |
| transcript.whisperx[19].start |
406.331 |
| transcript.whisperx[19].end |
416.675 |
| transcript.whisperx[19].text |
符合這個AI通膨你看那個你坊間去看蘋果電腦現在漲幅啊它漲幅上萬元耶華碩電腦也預計漲15%到20%所以AI通膨 |
| transcript.whisperx[20].start |
427.017 |
| transcript.whisperx[20].end |
451.731 |
| transcript.whisperx[20].text |
民生的大家都有感所以是不是要維持物價的平穩我們應該適度的針對利率來做調整調高 你看法呢事實上委員講的也沒有錯就是說當我們的物價當我們的物價如果說是超過2%以上你就要考慮 |
| transcript.whisperx[21].start |
454.272 |
| transcript.whisperx[21].end |
481.67 |
| transcript.whisperx[21].text |
不過我們這一次沒有把它就是說已經是就是說大概就是接近2%那2%我跟委員報告2%來講的話基本上它是比較屬於中長期的指標因為在我們的報告裡面也有談到就是說事實上一般的機構包括一般的機構都認為說我們明年我們的物價水準就會下來的 |
| transcript.whisperx[22].start |
482.335 |
| transcript.whisperx[22].end |
485.263 |
| transcript.whisperx[22].text |
你說哪一些機構你看看你們的報告給我們 |
| transcript.whisperx[23].start |
488.171 |
| transcript.whisperx[23].end |
511.777 |
| transcript.whisperx[23].text |
我們來報告第四頁在今天最新的資料裡面有20家你看看我們的第四頁裡面我們有20家的主要的機構對我們本年台灣通膨的預測平均值為1.9它是今年是1.9但是明年它是給我們1.7 |
| transcript.whisperx[24].start |
513.897 |
| transcript.whisperx[24].end |
517.899 |
| transcript.whisperx[24].text |
是1.7%所以我們才會顯示國內通膨預期尚屬穩定美國調升利息速度非常快這個我也稍微解釋一下當時美國通膨到8% 9% 10% |
| transcript.whisperx[25].start |
535.017 |
| transcript.whisperx[25].end |
549.187 |
| transcript.whisperx[25].text |
那那個時候我們台灣只有3點幾%相差很大到目前為止我跟委員報告到目前為止美國的通膨他的通膨到目前他還3.81他的CPI還3.81喔3.81的話而且他的這個3.81 |
| transcript.whisperx[26].start |
556.28 |
| transcript.whisperx[26].end |
574.866 |
| transcript.whisperx[26].text |
到目前為止已經是持續持續了很久了所以呢他他市場川普是希望那個美國呢聯準會要調降利息但是他遲遲不敢那遲遲不敢為什麼因為他的通膨實在現在還是通膨還越來越加劇通膨越來越加劇現在3點你看看我們的數字3.81總裁你的意思就是說你們的預測 |
| transcript.whisperx[27].start |
582.769 |
| transcript.whisperx[27].end |
594.739 |
| transcript.whisperx[27].text |
你根據另外有幾家共同的預測認為明年會往下調所以會在2.7左右1.7左右所以因為基於這樣所以你們還是維持利率不調那我再舉一個例子 |
| transcript.whisperx[28].start |
602.905 |
| transcript.whisperx[28].end |
616.389 |
| transcript.whisperx[28].text |
利率跟房價我們剛剛講我們透過信用管制就是我們台灣的房價已經漲到一般生斗小民沒有房子可以住買不起嘛那你看我們從民國64年來做一個表格 |
| transcript.whisperx[29].start |
619.45 |
| transcript.whisperx[29].end |
628.158 |
| transcript.whisperx[29].text |
一直到96年一直到現在為止目前為止你看民國64年當房價當利率10.75的時候房價2萬2萬3 5萬一直上來你看房價開始大漲的時候一下來到25萬的時候就是利率降到7.75 |
| transcript.whisperx[30].start |
641.73 |
| transcript.whisperx[30].end |
658.508 |
| transcript.whisperx[30].text |
民國78年是一個剛好一個分界齡來到民國89年也是又另外一個分界齡民國89年的時候當時利率也是下滑到4.6抱歉 |
| transcript.whisperx[31].start |
659.642 |
| transcript.whisperx[31].end |
684.215 |
| transcript.whisperx[31].text |
你看那個房價就一直飆高一直飆高一直飆高到現在來到平均這是中古屋的房價平均60萬3你有管制以後從64萬6現在平均到60萬3但是利率1.125所以如果我們從最高當初民國64年也就是說這50年來10.75%的利率 |
| transcript.whisperx[32].start |
688.677 |
| transcript.whisperx[32].end |
690.52 |
| transcript.whisperx[32].text |
盪到1.125房價從2萬塊錢上升了30倍來到60.3而每一次都是利率高那麼 |
| transcript.whisperx[33].start |
703.12 |
| transcript.whisperx[33].end |
723.031 |
| transcript.whisperx[33].text |
房價漲幅就比較低那當利率低的時候房價就大幅上漲你可以看這一個關係圖好不好那這一個關係圖當然也能不能由央行從這裡面你找出看有哪一些你認為有不對的有什麼端倪但是事實是如此所以 |
| transcript.whisperx[34].start |
723.951 |
| transcript.whisperx[34].end |
724.211 |
| transcript.whisperx[34].text |
好 謝謝我們結束 |