{"id":416200,"date":"2026-03-10T08:30:43","date_gmt":"2026-03-10T00:30:43","guid":{"rendered":"https:\/\/pingtungtimes.com.tw\/?p=416200"},"modified":"2026-03-10T08:30:43","modified_gmt":"2026-03-10T00:30:43","slug":"%e5%9f%ba%e9%87%91%e9%86%ab%e7%94%9f%e7%a4%ba%e8%ad%a6%ef%bc%9a%e5%a6%82%e5%8f%b0%e8%82%a1%e9%87%8d%e8%b7%8c%e3%80%81%e6%81%90%e6%85%8c%e8%94%93%e5%bb%b6%ef%bc%8c%e6%8a%95%e8%b3%87%e5%a6%82%e4%bd%95","status":"publish","type":"post","link":"https:\/\/pingtungtimes.com.tw\/?p=416200","title":{"rendered":"\u57fa\u91d1\u91ab\u751f\u793a\u8b66\uff1a\u5982\u53f0\u80a1\u91cd\u8dcc\u3001\u6050\u614c\u8513\u5ef6\uff0c\u6295\u8cc7\u5982\u4f55\u842c\u57ce\u76e1\u5e36\u300c\u9ec3\u91d1\u7532\u300d\uff01"},"content":{"rendered":"
\n

\u6587\uff0f\u57fa\u91d1\u91ab\u751f \u99ae\u5fd7\u6e90<\/p>\n<\/p>\n

\u5716\u7247\u4f86\u6e90\uff1a\u99ae\u5fd7\u6e90<\/span><\/span><\/p>\n

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AI<\/strong>\u79d1\u6280\u73a9\u5bb6\u66f4\u9700\u8981\u62ab\u4e0a\u300c\u512a\u8cea\u91d1\u878d\u300d\u7684\u9ec3\u91d1\u7532<\/strong><\/p>\n

AI \u7684\u6210\u9577\u8da8\u52e2\u6216\u8a31\u6c92\u6709\u6539\u8b8a\uff0c\u4f46\u5e02\u5834\u4e00\u65e6\u5287\u70c8\u9707\u76ea\uff0c\u6295\u8cc7\u4eba\u6700\u5148\u611f\u53d7\u5230\u7684\u662f\u90e8\u4f4d\u904e\u5ea6\u96c6\u4e2d\u5e36\u4f86\u7684\u75db\u611f\u3002\u5c24\u5176\u7576\u8cc7\u91d1\u9577\u671f\u64c1\u64e0\u5728\u79d1\u6280\u985e\u80a1\uff0c\u4e00\u65e6\u9023\u8dcc\u6578\u65e5\u3001\u60c5\u7dd2\u8f49\u5411\uff0c\u539f\u672c\u5805\u4fe1\u9577\u7dda\u7684\u4eba\uff0c\u4e5f\u53ef\u80fd\u56e0\u8667\u640d\u64f4\u5927\u800c\u958b\u59cb\u62cb\u552e\uff1b\u7576\u8ce3\u58d3\u5c64\u5c64\u50b3\u5c0e\uff0c\u5e02\u5834\u5c31\u4e0d\u53ea\u662f\u4e0b\u8dcc\uff0c\u800c\u53ef\u80fd\u6f14\u8b8a\u6210\u5f7c\u6b64\u8e29\u8e0f\u7684\u8cc7\u91d1\u64a4\u9000\u3002<\/p>\n

\u4e5f\u56e0\u6b64\uff0c\u6210\u719f\u7684\u6295\u8cc7\u4eba\u77e5\u9053\uff0c\u60f3\u53c3\u8207 AI <\/span>\u9ad8\u6210\u9577\uff0c\u4e0d\u80fd\u53ea\u6709\u9032\u653b\uff0c\u66f4\u8981\u66ff\u8cc7\u7522\u62ab\u4e0a\u300c\u512a\u8cea\u91d1\u878d\u300d\u7684\u9ec3\u91d1\u7532\u3002\u91d1\u878d\u80a1\u4e0d\u50c5\u80fd\u63d0\u4f9b\u76f8\u5c0d\u7a69\u5b9a\u7684\u73fe\u91d1\u6d41\uff0c\u8207\u79d1\u6280\u80a1\u7684\u76f8\u95dc\u6027\u4e5f\u8f03\u4f4e\uff0c\u80fd\u5728\u6ce2\u52d5\u52a0\u5287\u6642\uff0c\u70ba\u6295\u8cc7\u7d44\u5408\u6490\u8d77\u9632\u79a6\u529b\u3002\u4ee5\u4e0a\u9031\u7f8e\u4f0a\u958b\u6253\u70ba\u4f8b\uff0c\u53f0\u80a1\u4e09\u5929\u8dcc\u903e 7%<\/span>\uff0c\u5168\u7403\u91d1\u878d\u6307\u6578\u50c5\u4fee\u6b63 1.8%<\/span>\uff0c\u6b63\u8aaa\u660e\u7576\u5e02\u5834\u9677\u5165\u6050\u614c\u6642\uff0c\u91d1\u878d\u80a1\u4e0d\u53ea\u80fd\u6e1b\u8f15\u8cc7\u7522\u9707\u76ea\uff0c\u4e5f\u80fd\u66ff\u904e\u5ea6\u96c6\u4e2d\u79d1\u6280\u80a1\u7684\u90e8\u4f4d\u7559\u4e0b\u4e00\u5c64\u7de9\u885d\uff0c\u8b93\u4f60\u5728\u4e82\u6d41\u4e2d\u4e0d\u5fc5\u88ab\u8feb\u8ddf\u8457\u5e02\u5834\u4e00\u8d77\u5931\u901f\u3002<\/p>\n

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\u300c\u91d1\u300d\u975e\u6614\u6bd4\uff1a<\/strong>4<\/strong>\u5927\u6210\u9577\u5f15\u64ce\u9f4a\u767c\u83ef\u9e97\u8f49\u8eab<\/strong><\/p>\n

\u4f60\u5982\u679c\u9084\u628a\u91d1\u878d\u80a1\u60f3\u6210\u90a3\u7a2e\u53ea\u6709\u7238\u7238\u5abd\u5abd\u6700\u611b\u8cb7\u300c\u7121\u804a\u3001\u53ea\u6703\u767c\u80a1\u606f\u300d\u7684\u7522\u696d\uff0c\u53ef\u80fd\u771f\u7684\u8a72\u66f4\u65b0\u4e00\u4e0b\u5370\u8c61\u4e86\u3002\u73fe\u5728\u7684\u5168\u7403\u91d1\u878d\u696d\u65e9\u5c31\u8b8a\u4e86\uff01\u73fe\u5728\u4e0d\u53ea\u914d\u5f97\u7a69\uff0c\u9084\u6709 AI \u5e6b\u5fd9\u7701\u6210\u672c\u3001\u62c9\u6548\u7387\uff0c\u80cc\u5f8c\u66f4\u662f\u56db\u5927\u6210\u9577\u5f15\u64ce\u4e00\u8d77\u63a8\u52d5\u3002<\/p>\n

    \n
  1. \u8ca1\u5bcc\u5b58\u91cf\u7684\u6536\u8cbb\u7ad9\uff1a\u5168\u7403\u8ca1\u5bcc\u6301\u7e8c\u589e\u52a0\uff0c\u4e0d\u7ba1\u662f\u7406\u8ca1\u3001\u8cb8\u6b3e\u9084\u662f\u8cc7\u7522\u7ba1\u7406\uff0c\u90fd\u96e2\u4e0d\u958b\u91d1\u878d\u696d\u3002\u53ea\u8981\u9322\u5728\u6d41\u52d5\uff0c\u91d1\u878d\u696d\u5c31\u6709\u6a5f\u6703\u6301\u7e8c\u8cfa\u7ba1\u7406\u8cbb\u3001\u624b\u7e8c\u8cbb\u548c\u5229\u5dee\u3002<\/li>\n
  2. \u5927\u8005\u6046\u5927\u7684\u300c\u5403\u8c46\u4eba\u300d\uff1a\u91d1\u878d\u696d\u9019\u5e7e\u5e74\u5f88\u660e\u986f\u5c31\u662f\u5f37\u8005\u6046\u5f37\u3002\u5927\u578b\u91d1\u878d\u6a5f\u69cb\u9760\u4f75\u8cfc\u64f4\u5927\u7248\u5716\uff0c\u5e02\u5834\u96c6\u4e2d\u5ea6\u63d0\u9ad8\uff0c\u9f8d\u982d\u7684\u7372\u5229\u80fd\u529b\u548c\u7af6\u722d\u529b\u4e5f\u8ddf\u8457\u8b8a\u5f37\u3002\u7d93\u6b77\u91d1\u878d\u6d77\u562f\u8207\u6b50\u50b5\u5371\u6a5f\u5f8c\uff0c\u570b\u969b\u5927\u578b\u91d1\u878d\u6a5f\u69cb\u900f\u904e\u4f75\u8cfc\u64f4\u5927\u7248\u5716\uff0c\u5f62\u6210\u5f37\u8005\u6108\u5f37\u7684\u5c40\u9762\uff0c\u5c31\u50cf\u5927\u9b5a\u5403\u5c0f\u9b5a\uff0c\u5e02\u5834\u4efd\u984d\u4e00\u53e3\u4e00\u53e3\u5f80\u9f8d\u982d\u96c6\u4e2d\u3002<\/li>\n
  3. AI\u79d1\u6280\u795e\u968a\u53cb\uff1a\u91d1\u878d\u696d\u5176\u5be6\u5f88\u5403\u4eba\u529b\uff0c\u5f9e\u5ba2\u670d\u3001\u6388\u4fe1\u5230\u98a8\u63a7\uff0c\u80cc\u5f8c\u90fd\u662f\u5927\u628a\u4eba\u529b\u5728\u6490\u3002\u73fe\u5728 AI \u4e00\u9032\u4f86\uff0c\u5f88\u591a\u539f\u672c\u53c8\u6162\u53c8\u8cb4\u7684\u6d41\u7a0b\uff0c\u90fd\u80fd\u8b8a\u5f97\u66f4\u5feb\u3001\u66f4\u6e96\u3001\u66f4\u7701\uff0c\u9023\u98a8\u63a7\u5224\u65b7\u4e5f\u66f4\u6709\u6548\u7387\u3002\u5c0d\u91d1\u878d\u516c\u53f8\u4f86\u8aaa\uff0c\u7701\u4e0b\u4f86\u7684\u4e0d\u53ea\u662f\u6210\u672c\uff0c\u800c\u662f\u5be6\u5be6\u5728\u5728\u7684\u7372\u5229\u7a7a\u9593\u3002<\/li>\n
  4. \u76e3\u7ba1\u653e\u5bec\u7684\u9ad8\u901f\u516c\u8def\uff1a\u7f8e\u6b50\u653f\u5e9c\u6b63\u653e\u5bec\u904e\u56b4\u7684\u8cc7\u672c\u7ba1\u5236\uff0c\u9019\u5c31\u50cf\u628a\u9650\u901f\u00a060\u516c\u91cc\u7684\u99ac\u8def\u76f4\u63a5\u62d3\u5bec\u6210\u9ad8\u901f\u516c\u8def\uff0c\u8b93\u9280\u884c\u8cc7\u91d1\u904b\u7528\u6548\u7387\u5927\u5e45\u63d0\u5347\uff0c\u76f4\u63a5\u62c9\u9ad8\u80a1\u6771\u6b0a\u76ca\u5831\u916c\u7387\uff08ROE\uff09\u4e26\u56de\u994b\u66f4\u591a\u80a1\u606f\u7d66\u80a1\u6771\u00a0\u3002<\/li>\n<\/ol>\n

    \"\"<\/p>\n

    \u5716\u7247\u4f86\u6e90\uff1a\u99ae\u5fd7\u6e90<\/p>\n

    \u7acb\u8db3\u53f0\u7063\uff0c\u770b\u898b\u300c\u5168\u7403\u91d1\u300d<\/strong><\/p>\n

    \u6578\u64da\u5df2\u7d93\u5f88\u6e05\u695a\uff0c\u5168\u7403\u91d1\u878d\u696d\u7684\u7372\u5229\u80fd\u529b\u6b63\u5728\u660e\u986f\u5347\u7d1a\u3002\u4ee5 MSCI \u5168\u7403\u91d1\u878d\u6307\u6578\u4f86\u770b\uff0c2016 \u5230 2020 \u5e74\u4e94\u5e74\u5e73\u5747\u6bcf\u80a1\u76c8\u9918\uff08EPS\uff09\u5e74\u8907\u5408\u6210\u9577\u7387\u53ea\u6709 0.7%\uff0c\u4f46 2021 \u5230 2025 \u5e74\u5df2\u5927\u5e45\u8df3\u5347\u5230 13.4%\uff1b\u80a1\u6771\u6b0a\u76ca\u5831\u916c\u7387\uff08ROE\uff09\u4e5f\u5f9e 8% \u63d0\u9ad8\u5230 11.8%\uff0c\u4ee3\u8868\u5168\u7403\u91d1\u878d\u696d\u4e0d\u53ea\u66f4\u6703\u8cfa\uff0c\u8cfa\u9322\u6548\u7387\u4e5f\u660e\u986f\u8b8a\u597d\u3002\u66f4\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u6b50\u6d32\u91d1\u878d\u696d\u7372\u5229\u5df2\u8ffd\u4e0a\u7f8e\u570b\uff0c\u4f46\u8a55\u50f9\u9084\u504f\u4f4e\uff0c\u518d\u52a0\u4e0a\u5e73\u5747\u80a1\u606f\u7387\u9ad8\u9054 5.9%\uff0c\u4e5f\u8b93\u5168\u7403\u91d1\u878d\u80a1\u540c\u6642\u5177\u5099\u606f\u6536\u8207\u50f9\u5dee\u7a7a\u9593\u3002<\/p>\n

    \"\"<\/p>\n

    \u5716\u7247\u4f86\u6e90\uff1a\u99ae\u5fd7\u6e90<\/p>\n

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