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請總裁"},{"start":17.485,"end":40.831,"text":"因為現在根據你們報告現在都預估在2%以上那足跡總出資預估已經到2.6那目前看起來是不是還沒有升息的打算可是你剛剛提到美國像美國的FED都說如果他們擔心物價持續上漲的話會考慮升息那目前央行的考慮是什麼"},{"start":42.312,"end":60.992,"text":"因為他也是要根據他的預測啊我剛才也在講就是說他現在都是3.84他現在是3.81那如果說他在3.81就是很高咧那如果說他的通膨再上去的時候那當然他如果說那我要升息的話好像"},{"start":62.733,"end":83.018,"text":"因為實際上現在3C都漲了嘛我說3C產品很多都漲了嘛然後外食啊什麼各方面都漲了房租也都漲所以其實看起來你說CPI2%是在警戒線但是一般民眾的體感的通膨其實是不只這樣所以我覺得那個央行在"},{"start":84.345,"end":110.67,"text":"在這個解讀數據的時候可能要做一些還是要做一些就是有一些跟民眾相關的感覺相關的一些評估啦該做的還是要做嘛不能完全按照這個這個我同意這個我會同意第二個跟那個總裁請教一下因為我們現在經濟成長率連三年都明顯高於預期嘛對不對然後那當然經濟好就會引發需求性的通膨嘛那現在"},{"start":114.03,"end":139.604,"text":"經濟好經濟好然後這個為什麼還是一樣回到剛剛那個問題就是因為經濟好所以你們又認為說不會通膨到底是為什麼我跟委員報告這一點我們在報告裡面我們也有談到啦也就是說我們的經濟好主要的是在哪裡大家都知道都是出口都是出口"},{"start":140.504,"end":161.643,"text":"事實上我們的消費是算是穩健而已不是說非常非常的好引起通膨的壓力而我們的經濟的好主要是出口所以我們出口的物價反而比我們的進口物價還要高但是出口物價高是對方在接受的"},{"start":165.106,"end":186.007,"text":"因為我們經濟好對不對我們經濟好然後就會刺激大家有錢了嘛有錢就會刺激消費嘛對 但是我們的消費因為你也知道因為你也知道就是說因為我們的這個我們的A友就是說是傳統產業對 可見可見就是總裁的意思是說我們現在雖然經濟成長率很高但是其實我們現在"},{"start":187.048,"end":199.172,"text":"不同產業有不同的狀況是集中在像AI半導體伺服器這種但是傳統產業或其他經濟沒有那麼好你的意思大概是這樣相較之下經濟沒有這麼好那如果是這樣子的話像央行這邊有沒有什麼貨幣工具所以我們"},{"start":207.495,"end":224.574,"text":"所以我們才會就是說當我們認為就是信用市場稍微就是說比較熱絡一點我們說比較緊一點的話也跟那個存單從7兆的下降到6兆多這個是緊的一個象徵"},{"start":225.855,"end":243.884,"text":"那在這個時候呢我們也考慮到就是說我們除了就是說是出口的那些的產業很好以外其他的呢還是普通啊那普通的時候呢所以我們的而且呢因為我們的通膨也不是很高所以呢我們的利率呢所以就維持"},{"start":244.484,"end":269.378,"text":"我是說央行應該有沒有針對我們台灣現在等於是M型社會啦 K型社會啦所以我們也有談到在我們的貨幣政策裡面我們也有提到就是說貨幣政策呢在如果說是一個很normal distribution的一個產業的情況之下的話呢貨幣政策比較有效但是如果說M型的時候呢那它就比較會受到挑戰我再問一下齁"},{"start":270.098,"end":294.665,"text":"因為現在我們台幣的匯率相對美國還是在弱勢但是我們的股票你說我們是弱勢相對美國啦美元啦我看到你們好像講說是因為外資現在賺的錢就跑了嘛所以他們跑當然就買美元嘛那這樣子是代表說外資不會再回來嗎股市的前景你看怎麼樣他出去他也會回來啊"},{"start":295.946,"end":317.507,"text":"資金就是這樣子 資金有出它就會有進 只是說最近它是出去的比較多所以之後回來之後 我們台幣又會升值基本上是 大部分也是這樣 就出去的時候新台幣會貶值它如果大量進來的時候 新台幣會升值你覺得外資來有沒有持續看好台股我覺得它還是看好啊"},{"start":320.752,"end":330.7,"text":"因為我們的基本面我們的AI的這個產業他還相當好所以他投進來的大部分都是這些電子電子那個自通訊產品啊"},{"start":333.403,"end":347.792,"text":"最後一個小問題總裁一直講說不太可能會出現世代同堂的狀況因為銀行會自己把關你說銀行會把關不太會出現世代同堂我覺得我們應該相信銀行但是實際上銀行在審查個人貸款的時候是看一個無擔保負擔不得超過"},{"start":355.296,"end":375.876,"text":"月收入的22倍叫做DBR22但是世貸同堂裡面很多其實跟DBR22無關比如說像融資股票質押這就是你有擔保品嘛這就不是無擔保品嘛然後還有房貸房貸也是有擔保品對然後再來就是只有就是信用貸款是沒有擔保品對所以其實"},{"start":377.037,"end":401.004,"text":"要監管絕大多數都是跟無單貿品無關只有信用貸款所以一個年輕人他只要有房子他有股票他就是有可能會做到世代同堂所以這個跟總裁你講的世代同堂不容易發生不是我的意思就是說一個人除非就是說他非常有錢"},{"start":402.444,"end":422.934,"text":"他有房子有股票有房子有股票也不難啊他有股票有房子有股票有信用就可以世代同堂啊像這樣的話呢他的除非就是說每一個人都是非常富有不是富有他就是有房子有但現在大家為什麼講世代同堂是因為股市很熱大家把所有的東西都拿去投到股市裡面嘛"},{"start":423.574,"end":437.143,"text":"所以他身上很多貸款嘛但是一旦股票出現假設啦 股票有波動那這些私貸通常就完蛋了因為他房子什麼什麼全部拿去抵押了嘛而且還會背債啊所以大家在討論這件事情所以我覺得總 那個"},{"start":438.542,"end":461.773,"text":"但那麼多委員講這個事情 應該是要請總裁注意到這個狀況我也是注意啦 當然我也有就說 知道同償不容易出現 我覺得這樣的態度是沒有任何問題啦 不不不 我的意思就是說 不不不 我的意思就是說他的信用在槓桿是有的 但是呢 一個人要就是說全部這四樣把它包起來 然後去借錢 我覺得是比較"},{"start":464.794,"end":480.581,"text":"人數比較不多啦人數比較多不會那麼多那如果說你是一樣一樣一樣的話那當然啊因為他是增加的他是增加的他是增加的他是增加的那我們知道也就是說信用是有在槓桿啊所以就是要小心啊是是是謝謝王明杰"}],"gazette":[{"speaker":"葉委員元之","start":"2026-07-09T11:53:22.630000+08:00","guessed":false,"end":"2026-07-09T11:53:22.630000+08:00","text":"主席，麻煩請總裁。","quality":0.429},{"speaker":"主席","start":"2026-07-09T11:53:23.252000+08:00","guessed":false,"end":"2026-07-09T11:53:23.252000+08:00","text":"請總裁。","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T11:53:23.252000+08:00","guessed":true,"end":"2026-07-09T11:53:24.252000+08:00","text":"葉委員早。","quality":0},{"speaker":"葉委員元之","start":"2026-07-09T11:53:23.352000+08:00","guessed":false,"end":"2026-07-09T11:53:53.090000+08:00","text":"總裁，根據你們報告，現在CPI都預估在2%以上，主計總處預估已經到2.6%，但目前看起來是還沒有升息的打算，你剛剛提到美國，美國Fed都說如果擔心物價持續上漲的話，會考慮升息。","quality":0.87},{"speaker":"葉委員元之","start":"2026-07-09T11:53:53.930000+08:00","guessed":false,"end":"2026-07-09T11:53:55.831000+08:00","text":"因此目前央行的考慮是什麼？","quality":0.833},{"speaker":"楊總裁金龍","start":"2026-07-09T11:53:57.312000+08:00","guessed":false,"end":"2026-07-09T11:54:15.972000+08:00","text":"因為他也是要根據預測（prediction），我剛剛也講，他現在都是3.81%，3.81%就很高了，如果他的通膨再上去的時候，當然他如果說要升息的話，好像一般來說都是這樣……","quality":0.648},{"speaker":"葉委員元之","start":"2026-07-09T11:54:17.733000+08:00","guessed":false,"end":"2026-07-09T11:54:27.195000+08:00","text":"因為實際上現在3C產品也都漲了，外食、各方面都漲了，連房租都漲……","quality":0.852},{"speaker":"楊總裁金龍","start":"2026-07-09T11:54:27.195000+08:00","guessed":true,"end":"2026-07-09T11:54:28.195000+08:00","text":"對，6月份就2.6%嘛！","quality":0},{"speaker":"葉委員元之","start":"2026-07-09T11:54:28.176000+08:00","guessed":false,"end":"2026-07-09T11:54:35.977000+08:00","text":"其實看起來CPI達2%是在警戒線啦，但是一般民眾體感的通膨其實不只這樣。是。","quality":0.912},{"speaker":"葉委員元之","start":"2026-07-09T11:54:36.578000+08:00","guessed":false,"end":"2026-07-09T11:54:52.887000+08:00","text":"我覺得央行在解讀數據的時候，可能還是要做一些跟民眾感覺相關的評估，該做的還是要做，不能完全按照這個……","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T11:54:52.887000+08:00","guessed":false,"end":"2026-07-09T11:54:54.188000+08:00","text":"是，這個我同意。","quality":0.833},{"speaker":"葉委員元之","start":"2026-07-09T11:54:54.908000+08:00","guessed":false,"end":"2026-07-09T11:55:01.249000+08:00","text":"第二個跟總裁請教，我們現在經濟成長率連三年都明顯高於預期，對不對？","quality":1},{"speaker":"葉委員元之","start":"2026-07-09T11:55:02.549000+08:00","guessed":false,"end":"2026-07-09T11:55:20.616000+08:00","text":"當然經濟好就會引發需求性的通膨，可是現在經濟好，為什麼……還是一樣回到剛剛那個問題，因為經濟好，所以你們都認為不會通膨，到底是為什麼？","quality":0.949},{"speaker":"楊總裁金龍","start":"2026-07-09T11:55:22.257000+08:00","guessed":false,"end":"2026-07-09T11:55:31.562000+08:00","text":"這一點我們在報告裡面也有談到，我們的經濟好主要是在哪裡？","quality":1},{"speaker":"葉委員元之","start":"2026-07-09T11:55:31.562000+08:00","guessed":true,"end":"2026-07-09T11:55:32.562000+08:00","text":"AI、半導體。","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T11:55:31.562000+08:00","guessed":false,"end":"2026-07-09T11:55:56.623000+08:00","text":"大家都知道是出口，事實上我們的消費算是穩健而已，不是說非常非常的好，引起通膨的壓力，而我們經濟好主要是出口，所以我們的出口物價反而比我們進口物價還要來得高，但是出口物價高是對方在接受的，不是我們在接受的。","quality":0.883},{"speaker":"葉委員元之","start":"2026-07-09T11:56:00.106000+08:00","guessed":false,"end":"2026-07-09T11:56:01.007000+08:00","text":"因為我們經濟好，對不對？對啊！","quality":0.833},{"speaker":"葉委員元之","start":"2026-07-09T11:56:01.007000+08:00","guessed":false,"end":"2026-07-09T11:56:05.932000+08:00","text":"我們經濟好，就會刺激，大家有錢了就會刺激消費嘛，就會創造一些需求性的通膨嘛！","quality":0.618},{"speaker":"楊總裁金龍","start":"2026-07-09T11:56:06.412000+08:00","guessed":false,"end":"2026-07-09T11:56:15.061000+08:00","text":"對，但是我們的消費……委員也知道，我們也有傳統產業……","quality":0.81},{"speaker":"葉委員元之","start":"2026-07-09T11:56:15.061000+08:00","guessed":false,"end":"2026-07-09T11:56:32.452000+08:00","text":"可見總裁的意思是說，我們現在雖然經濟成長率很高，但是其實我們不同產業有不同的狀況，集中在像AI、半導體、伺服器這種的，傳統產業或其他經濟沒有那麼好，你的意思大概是這樣。","quality":0.987},{"speaker":"楊總裁金龍","start":"2026-07-09T11:56:32.452000+08:00","guessed":false,"end":"2026-07-09T11:56:32.932000+08:00","text":"相較之下。","quality":1},{"speaker":"葉委員元之","start":"2026-07-09T11:56:33.012000+08:00","guessed":false,"end":"2026-07-09T11:56:34.132000+08:00","text":"相較之下經濟沒有那麼好，如果是這樣子的話，央行有沒有什麼貨幣工具是可以平衡的？","quality":0.722},{"speaker":"楊總裁金龍","start":"2026-07-09T11:56:44.677000+08:00","guessed":false,"end":"2026-07-09T11:56:59.574000+08:00","text":"當我們認為信用市場稍微比較熱絡一點，我們稍微比較緊一點的時候，你看存單從七兆下降到六兆多，這個是緊的一個象徵。","quality":0.843},{"speaker":"楊總裁金龍","start":"2026-07-09T11:57:01.155000+08:00","guessed":false,"end":"2026-07-09T11:57:18.864000+08:00","text":"在這個時候我們也考慮到，除了出口的那些產業很好以外，其他的還是普通啦，而且因為我們的通膨也不是很高，所以我們的利率就維持不變。","quality":0.948},{"speaker":"葉委員元之","start":"2026-07-09T11:57:19.484000+08:00","guessed":false,"end":"2026-07-09T11:57:25.668000+08:00","text":"我是說針對現在臺灣的M型社會或K型社會，央行有沒有一些工具平衡一下？","quality":0.469},{"speaker":"楊總裁金龍","start":"2026-07-09T11:57:26.228000+08:00","guessed":false,"end":"2026-07-09T11:57:43.978000+08:00","text":"所以在我們的貨幣政策裡也有提到，如果是在產業很normal distribution的情況之下，貨幣政策比較有效，但是如果是M型的時候，它就比較會受到挑戰。","quality":0.944},{"speaker":"葉委員元之","start":"2026-07-09T11:57:43.978000+08:00","guessed":false,"end":"2026-07-09T11:57:49.719000+08:00","text":"我再問一下，因為現在我們臺幣的匯率相對美國還是弱勢，但是我們的股票高達……","quality":0.939},{"speaker":"楊總裁金龍","start":"2026-07-09T11:57:50.980000+08:00","guessed":false,"end":"2026-07-09T11:57:52.960000+08:00","text":"你說我們是弱勢？","quality":1},{"speaker":"葉委員元之","start":"2026-07-09T11:57:52.960000+08:00","guessed":false,"end":"2026-07-09T11:57:54.921000+08:00","text":"相對美國、美元啦！對啦！","quality":0.778},{"speaker":"葉委員元之","start":"2026-07-09T11:57:55.861000+08:00","guessed":false,"end":"2026-07-09T11:57:59.022000+08:00","text":"我看到你們好像說因為外資現在賺了錢就跑了，對不對？","quality":0.826},{"speaker":"葉委員元之","start":"2026-07-09T11:58:00.902000+08:00","guessed":false,"end":"2026-07-09T11:58:06.204000+08:00","text":"他們跑了當然就買美元，因為美元相對強勢，這樣子是代表外資不會再回來了嗎？","quality":0.697},{"speaker":"葉委員元之","start":"2026-07-09T11:58:06.204000+08:00","guessed":false,"end":"2026-07-09T11:58:08.004000+08:00","text":"股市的前景你看怎麼樣？","quality":1},{"speaker":"楊總裁金龍","start":"2026-07-09T11:58:08.304000+08:00","guessed":false,"end":"2026-07-09T11:58:09.645000+08:00","text":"它出去，但也會回來啊！","quality":0.778},{"speaker":"楊總裁金龍","start":"2026-07-09T11:58:10.946000+08:00","guessed":false,"end":"2026-07-09T11:58:16.411000+08:00","text":"資金就是這樣子，資金有出就會有進，只是最近出去的比較多。","quality":1},{"speaker":"葉委員元之","start":"2026-07-09T11:58:16.832000+08:00","guessed":false,"end":"2026-07-09T11:58:19.394000+08:00","text":"所以之後回來，我們臺幣又會升值，是不是？","quality":0.824},{"speaker":"楊總裁金龍","start":"2026-07-09T11:58:20.475000+08:00","guessed":false,"end":"2026-07-09T11:58:27.662000+08:00","text":"基本上、大部分也是這樣，出去的時候新臺幣會貶值，如果大量進來的時候，新臺幣就會升值……","quality":0.973},{"speaker":"葉委員元之","start":"2026-07-09T11:58:27.703000+08:00","guessed":false,"end":"2026-07-09T11:58:30.145000+08:00","text":"所以你覺得外資有沒有持續看好臺股？","quality":0.875},{"speaker":"楊總裁金龍","start":"2026-07-09T11:58:31.346000+08:00","guessed":false,"end":"2026-07-09T11:58:32.307000+08:00","text":"我覺得還是看好。","quality":1},{"speaker":"葉委員元之","start":"2026-07-09T11:58:32.307000+08:00","guessed":true,"end":"2026-07-09T11:58:33.307000+08:00","text":"還是看好，所以還是會來買？","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T11:58:32.487000+08:00","guessed":false,"end":"2026-07-09T11:58:45.660000+08:00","text":"對啊，因為我們的基本面、我們的AI產業相當好，所以投進來的大部分也都是這些電子資通訊產品。","quality":0.927},{"speaker":"葉委員元之","start":"2026-07-09T11:58:48.403000+08:00","guessed":false,"end":"2026-07-09T11:58:57.088000+08:00","text":"好，最後一個小問題，總裁一直講不太可能會出現四貸同堂的狀況，很多銀行會自己把關……什麼？","quality":0.816},{"speaker":"葉委員元之","start":"2026-07-09T11:58:57.088000+08:00","guessed":false,"end":"2026-07-09T11:58:59.210000+08:00","text":"你說銀行會把關，不太會出現四貸同堂……","quality":0.875},{"speaker":"楊總裁金龍","start":"2026-07-09T11:58:59.390000+08:00","guessed":false,"end":"2026-07-09T11:58:59.930000+08:00","text":"我覺得我們應該相信銀行。","quality":1},{"speaker":"葉委員元之","start":"2026-07-09T11:59:00.270000+08:00","guessed":false,"end":"2026-07-09T11:59:29.715000+08:00","text":"實際上銀行在審查個人貸款的時候，是看無擔保負擔不得超過月收入的22倍，叫做DBR 22，但是四貸同堂裡面很多其實跟DBR 22無關，比如說融資、股票質押，這就是有擔保品，不是無擔保品，然後還有房貸，房貸也是有擔保品，只有信用貸款沒有擔保品嘛！對。","quality":0.971},{"speaker":"葉委員元之","start":"2026-07-09T11:59:30.576000+08:00","guessed":false,"end":"2026-07-09T11:59:36.938000+08:00","text":"對，所以其實要監管，絕大多數都是跟無擔保品無關，只有信用貸款。對。","quality":0.893},{"speaker":"葉委員元之","start":"2026-07-09T11:59:39.219000+08:00","guessed":false,"end":"2026-07-09T11:59:50.202000+08:00","text":"一個年輕人只要有房子，有股票，他就是有可能會做到四貸同堂啊，所以總裁講四貸同堂不容易發生可能跟現實有點差距。","quality":0.72},{"speaker":"楊總裁金龍","start":"2026-07-09T11:59:52.463000+08:00","guessed":false,"end":"2026-07-09T11:59:56.004000+08:00","text":"不是，我的意思就是一個人除非他非常有錢……","quality":1},{"speaker":"葉委員元之","start":"2026-07-09T11:59:57.444000+08:00","guessed":false,"end":"2026-07-09T11:59:58.305000+08:00","text":"他有房子，有股票啊！","quality":0.875},{"speaker":"楊總裁金龍","start":"2026-07-09T11:59:58.305000+08:00","guessed":true,"end":"2026-07-09T11:59:59.305000+08:00","text":"他有車子、有房子、……","quality":0},{"speaker":"葉委員元之","start":"2026-07-09T11:59:58.465000+08:00","guessed":false,"end":"2026-07-09T12:00:00.145000+08:00","text":"有房子，有股票，這不難啊！","quality":0.9},{"speaker":"楊總裁金龍","start":"2026-07-09T12:00:00.506000+08:00","guessed":false,"end":"2026-07-09T12:00:01.006000+08:00","text":"他有股票……","quality":1},{"speaker":"葉委員元之","start":"2026-07-09T12:00:01.266000+08:00","guessed":false,"end":"2026-07-09T12:00:04.067000+08:00","text":"有房子、有股票、有信用，就可以四貸同堂啊！對！","quality":0.833},{"speaker":"楊總裁金龍","start":"2026-07-09T12:00:04.387000+08:00","guessed":false,"end":"2026-07-09T12:00:08.749000+08:00","text":"像這樣的話，除非每一個人都是非常富有。","quality":1},{"speaker":"葉委員元之","start":"2026-07-09T12:00:09.430000+08:00","guessed":false,"end":"2026-07-09T12:00:19.855000+08:00","text":"不是富有，他就是有房子……現在大家為什麼會講四貸同堂，是因為股市很熱，大家把所有的東西都拿去投到股市裡面，所以他身上很多貸款嘛……","quality":0.947},{"speaker":"楊總裁金龍","start":"2026-07-09T12:00:19.855000+08:00","guessed":true,"end":"2026-07-09T12:00:21.977000+08:00","text":"對，不過我剛剛的意思……","quality":0},{"speaker":"葉委員元之","start":"2026-07-09T12:00:21.977000+08:00","guessed":false,"end":"2026-07-09T12:00:25.359000+08:00","text":"假設股票有波動，這個四貸同堂就完蛋了！","quality":0.765},{"speaker":"葉委員元之","start":"2026-07-09T12:00:25.579000+08:00","guessed":false,"end":"2026-07-09T12:00:28.461000+08:00","text":"因為他房子或什麼的全部拿去抵押了，而且還會背債啊！對！","quality":0.875},{"speaker":"葉委員元之","start":"2026-07-09T12:00:29.021000+08:00","guessed":false,"end":"2026-07-09T12:00:38.825000+08:00","text":"所以大家在討論這件事情，我覺得那麼多委員在講這個事情，應該是要請總裁注意到這個狀況……","quality":0.974},{"speaker":"楊總裁金龍","start":"2026-07-09T12:00:38.825000+08:00","guessed":false,"end":"2026-07-09T12:00:40.926000+08:00","text":"是，我也是注意了，當然我也沒有……","quality":0.769},{"speaker":"葉委員元之","start":"2026-07-09T12:00:41.506000+08:00","guessed":false,"end":"2026-07-09T12:00:43.327000+08:00","text":"但總裁的回應卻是四貸同堂不容易出現，我覺得這樣的態度就不好，沒有回答到問題啊！","quality":0.5},{"speaker":"楊總裁金龍","start":"2026-07-09T12:00:43.587000+08:00","guessed":false,"end":"2026-07-09T12:00:49.009000+08:00","text":"不，我的意思是他的信用在槓桿是有的……","quality":1},{"speaker":"主席","start":"2026-07-09T12:00:49.009000+08:00","guessed":true,"end":"2026-07-09T12:00:50.009000+08:00","text":"請總裁儘速簡短回應，好不好？","quality":0},{"speaker":"楊總裁金龍","start":"2026-07-09T12:00:49.690000+08:00","guessed":false,"end":"2026-07-09T12:01:01.035000+08:00","text":"但是一個人要把全部這四樣包起來，然後去借錢，我覺得人數比較不多啦！","quality":0.967},{"speaker":"葉委員元之","start":"2026-07-09T12:01:01.175000+08:00","guessed":false,"end":"2026-07-09T12:01:01.495000+08:00","text":"人數比較不多？","quality":0.833},{"speaker":"楊總裁金龍","start":"2026-07-09T12:01:02.175000+08:00","guessed":false,"end":"2026-07-09T12:01:03.596000+08:00","text":"對，不會那麼多。","quality":0.833},{"speaker":"楊總裁金龍","start":"2026-07-09T12:01:04.076000+08:00","guessed":false,"end":"2026-07-09T12:01:07.278000+08:00","text":"但如果是一樣一樣的話，當然啊！","quality":0.923},{"speaker":"楊總裁金龍","start":"2026-07-09T12:01:07.598000+08:00","guessed":false,"end":"2026-07-09T12:01:13.440000+08:00","text":"因為它是增加的、它是增加的、它是增加的，我們也知道信用是有在槓桿啊！","quality":0.867},{"speaker":"葉委員元之","start":"2026-07-09T12:01:13.680000+08:00","guessed":false,"end":"2026-07-09T12:01:15.421000+08:00","text":"所以就是要小心啊！謝謝。是！","quality":0.909},{"speaker":"主席","start":"2026-07-09T12:01:15.921000+08:00","guessed":true,"end":"2026-07-09T12:01:21.349571+08:00","text":"好，我們結束葉元之委員的質詢，謝謝元之委員。","quality":0},{"speaker":"主席","start":"2026-07-09T12:01:21.649571+08:00","guessed":true,"end":"2026-07-09T12:01:30.221000+08:00","text":"今日登記發言委員均已詢答完畢，本日會議作如下決定：報告及詢答完畢。","quality":0},{"speaker":"主席","start":"2026-07-09T12:01:30.521000+08:00","guessed":true,"end":"2026-07-09T12:01:41.663857+08:00","text":"委員質詢未及答復或請補充資料，請央行於一週之內以書面答復委員；另要求期限者，從其所定。","quality":0},{"speaker":"主席","start":"2026-07-09T12:01:41.963857+08:00","guessed":true,"end":"2026-07-09T12:01:52.821000+08:00","text":"委員洪毓祥、委員顏寬恒所提的書面質詢都會列入紀錄，刊登公報，並請中央銀行以書面答復。","quality":0}]}},"supported_relations":[],"relations":[]}