東京在線EP38_ 徹底告別零利率！升息1%、日幣動盪和前瞻性AI如何影響日本銀行業的生存淘汰

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日本央行今年將利率升至1%，結束了長達八年的負利率時期。這集《東京在線》由主持人柯誠獨自主講，說明升息後日本銀行業出現的幾個結構性問題：網路銀行對央行的負債、地方銀行在不動產放款上的集中風險，以及三大巨頭銀行的資本效率壓力。這集也談到升息如何改變一般民眾的理財選擇，例如資金轉向一般消費者國債，以及銀行之間的存款競爭，還有AI技術對銀行資安帶來的新規範。【本集重點】• 日本央行升息的時間軸，以及資金開始有成本後銀行體系面臨的改變• 網路銀行對日本央行的負債狀況，以及各自的因應方式• 地方銀行在都市圈不動產放款上的風險集中問題• 三大巨頭銀行淨穩定資金比率的變化，以及海外資產的調整方向• 一般消費者國債興起，以及銀行之間存款爭奪戰的樣貌【節目資訊】主持人：柯誠🎧 Production Team：Meet 創業小聚🎬 Editing and Post-Production：聲歷其境 All Around You Powered by Firstory Hosting

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東京在線EP38_ 徹底告別零利率！升息1%、日幣動盪和前瞻性AI如何影響日本銀行業的生存淘汰

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