[{"data":1,"prerenderedAt":362},["ShallowReactive",2],{"article-finance-english-terms":3,"article-author-finance-english-terms":117,"article-related-finance-english-terms":134},{"id":4,"title":5,"author":6,"body":7,"category":105,"cover":106,"date":107,"description":108,"extension":109,"meta":110,"navigation":111,"path":112,"seo":113,"slug":114,"stem":115,"__hash__":116},"articles\u002Farticles\u002Ffinance-english-terms.md","十個必懂的財經英文關鍵字","ai-lin-chang",{"type":8,"value":9,"toc":97},"minimark",[10,14,18,25,31,37,43,46,52,58,64,67,73,79,85,88,94],[11,12,13],"p",{},"許多學員告訴我，看國際財經新聞最挫折的地方，不是文法看不懂，而是同樣幾個詞彙反覆出現，卻始終抓不準精確含義。這篇文章整理十個高頻出現的財經英文關鍵字，幫你打好精讀的基礎。",[15,16,17],"h2",{"id":17},"總體經濟類",[11,19,20,24],{},[21,22,23],"strong",{},"1. Inflation（通貨膨脹）","：物價水準持續上升，購買力下降的現象，是央行貨幣政策最關注的指標之一。",[11,26,27,30],{},[21,28,29],{},"2. Rate hike \u002F Rate cut（升息／降息）","：央行調整基準利率的動作，直接影響借貸成本與市場資金鬆緊。",[11,32,33,36],{},[21,34,35],{},"3. Recession（經濟衰退）","：通常定義為連續兩季國內生產毛額（GDP）負成長，是總體經濟新聞中的重要警訊詞彙。",[11,38,39,42],{},[21,40,41],{},"4. Yield（殖利率）","：常見於債券相關新聞，指投資人持有債券所能獲得的報酬率。",[15,44,45],{"id":45},"企業財報類",[11,47,48,51],{},[21,49,50],{},"5. Earnings（獲利／盈餘）","：企業公布財報時的核心關鍵字，常搭配 beat（優於預期）或 miss（不如預期）使用。",[11,53,54,57],{},[21,55,56],{},"6. Guidance（財測／展望）","：企業對未來營運表現的預估說明，市場常依此調整對股價的預期。",[11,59,60,63],{},[21,61,62],{},"7. Margin（毛利率／利潤率）","：反映企業每一元營收能轉換成多少利潤，是判斷經營效率的重要指標。",[15,65,66],{"id":66},"市場與投資類",[11,68,69,72],{},[21,70,71],{},"8. Volatility（波動性）","：市場價格變動的劇烈程度，常用來衡量風險高低。",[11,74,75,78],{},[21,76,77],{},"9. Valuation（估值）","：市場對一家公司或資產合理價格的評估，常搭配 overvalued（高估）或 undervalued（低估）使用。",[11,80,81,84],{},[21,82,83],{},"10. Diversification（分散投資）","：透過持有不同資產降低整體投資組合風險的策略。",[15,86,87],{"id":87},"學習建議",[89,90,91],"blockquote",{},[11,92,93],{},"與其死背單字表，不如在真實新聞情境中反覆遇見這些詞彙，讓大腦自然建立詞彙與情境的連結。",[11,95,96],{},"建議挑選一篇你有興趣的財經新聞，先圈出所有陌生詞彙，查完意思後，試著用自己的話把整篇文章的重點口頭摘要一次。這個練習比單純背單字更有效，因為它同時訓練了理解與輸出的能力，是精讀財經英文最扎實的方法。",{"title":98,"searchDepth":99,"depth":99,"links":100},"",2,[101,102,103,104],{"id":17,"depth":99,"text":17},{"id":45,"depth":99,"text":45},{"id":66,"depth":99,"text":66},{"id":87,"depth":99,"text":87},"精選文章","\u002Fimages\u002Farticles\u002Ffinance-english-terms.webp","2026-05-20","看懂國際財經新聞前，先掌握這十個高頻出現的英文關鍵字。","md",{},true,"\u002Farticles\u002Ffinance-english-terms",{"title":5,"description":108},"finance-english-terms","articles\u002Ffinance-english-terms","Z6KnT4JpOhD2UrxQqphZ111A-S5J5kSy3iiJci75K3o",{"id":118,"title":119,"avatar":120,"bio":121,"category":122,"expertise":123,"extension":129,"featured":111,"meta":130,"name":131,"slug":6,"stem":132,"__hash__":133},"instructors\u002Finstructors\u002Fai-lin-chang.yml","財經英文講師","\u002Fimages\u002Finstructors\u002Fai-lin-chang.webp","旅居新加坡多年，曾任外商銀行財富管理部門的雙語文件編譯與教育訓練講師逾十年，熟悉國際財經新聞、法說會英文與投資文件用語，也長期協助跨國團隊翻譯年報與法說會逐字稿。她發現許多台灣投資人卡在英文財經詞彙，因此設計出以真實新聞與財報為教材的精讀課程，並整理出一份涵蓋兩百個核心詞彙的財經英文字庫，讓學員不必死背單字，也能看懂國際財經媒體與外資報告，甚至能自信參與英語法說會的問答環節。","語言學習",[124,125,126,127,128],"財經英文","商業英文","新聞精讀","口說訓練","國際投資用語","yml",{},"艾琳・張","instructors\u002Fai-lin-chang","BnJp3nN37jeVraP1rqsPOEo8avVgPGkVIXJu1lqxxN8",[135,210,299],{"id":136,"title":137,"author":138,"body":139,"category":105,"cover":201,"date":202,"description":203,"extension":109,"meta":204,"navigation":111,"path":205,"seo":206,"slug":207,"stem":208,"__hash__":209},"articles\u002Farticles\u002Femergency-fund.md","緊急預備金該準備幾個月？","wen-yi-fan",{"type":8,"value":140,"toc":195},[141,144,147,150,153,156,178,181,184,189,192],[11,142,143],{},"在我陪伴學員做財務諮詢的經驗裡，緊急預備金幾乎是最常被忽略、卻也最關鍵的一環。大家急著討論該買哪支股票、哪檔 ETF，卻很少人先問自己：如果明天失業，我能撐多久？",[15,145,146],{"id":146},"緊急預備金到底在準備什麼",[11,148,149],{},"緊急預備金不是用來投資增值的錢，它的唯一任務，是在意外發生時，讓你不需要變賣投資部位、不需要借貸，就能維持基本生活。常見的意外情境包括：突然失業、重大疾病、家人急難、必要的設備維修等。",[15,151,152],{"id":152},"到底該準備幾個月",[11,154,155],{},"坊間常見的建議是 3 到 6 個月的生活費，但我認為這個數字不該是一體適用的公式，而要依照你的工作穩定性與家庭責任調整：",[157,158,159,166,172],"ul",{},[160,161,162,165],"li",{},[21,163,164],{},"工作穩定、單身、無房貸","：3 個月的生活費可能已經足夠。",[160,167,168,171],{},[21,169,170],{},"自由工作者或收入波動較大","：建議準備 6 個月以上，因為收入中斷的風險較高。",[160,173,174,177],{},[21,175,176],{},"有房貸、扶養家人","：建議準備 6 到 12 個月，因為固定支出更高，且中斷收入的影響會波及更多人。",[15,179,180],{"id":180},"緊急預備金該放在哪裡",[11,182,183],{},"緊急預備金最重要的特性是「流動性」，而不是報酬率。常見的存放方式包括活期存款、貨幣市場基金，或是可以快速變現且波動極低的短天期工具。把緊急預備金拿去買股票或波動較大的資產，違背了它原本的設計目的。",[89,185,186],{},[11,187,188],{},"緊急預備金給你的不只是一筆錢，而是面對意外時「不必倉皇失措」的心理安全感。",[15,190,191],{"id":191},"從心態面看緊急預備金",[11,193,194],{},"很多人抗拒準備緊急預備金，是因為覺得這筆錢「放著不動很浪費」。但我常常提醒學員，緊急預備金的報酬率，不該用金錢報酬衡量，而該用「你在意外發生時，能不能保持理性做出正確決定」來衡量。當你手上有足夠的緩衝，才不會因為短期恐慌，做出賤賣資產或衝動借貸的決定。建立緊急預備金，是所有理財規劃裡最基礎、卻也最容易被低估的一步。",{"title":98,"searchDepth":99,"depth":99,"links":196},[197,198,199,200],{"id":146,"depth":99,"text":146},{"id":152,"depth":99,"text":152},{"id":180,"depth":99,"text":180},{"id":191,"depth":99,"text":191},"\u002Fimages\u002Farticles\u002Femergency-fund.webp","2026-06-01","緊急預備金的意義不只是數字，更是你面對財務衝擊時的心理安全感。",{},"\u002Farticles\u002Femergency-fund",{"title":137,"description":203},"emergency-fund","articles\u002Femergency-fund","8AchSZNjM3DAV4Nf87bTaskUIxXWwAiszSlydMoGGZs",{"id":211,"title":212,"author":213,"body":214,"category":105,"cover":290,"date":291,"description":292,"extension":109,"meta":293,"navigation":111,"path":294,"seo":295,"slug":296,"stem":297,"__hash__":298},"articles\u002Farticles\u002Fsalary-negotiation.md","談薪水前，先算出你的市場價","chiang-yu-feng",{"type":8,"value":215,"toc":284},[216,219,222,225,228,249,253,256,270,273,276,281],[11,217,218],{},"我當人資主管的那些年，看過太多求職者在薪資談判桌上，明明能力不差，卻因為不了解自己的市場行情，白白少談了一大截薪水。談判技巧固然重要，但真正決定你談判籌碼的，往往是談判前做的功課。",[15,220,221],{"id":221},"為什麼多數人不知道自己的市場價",[11,223,224],{},"大部分人對薪資的認知，來自於「上一份工作的薪水加一點」，而不是「這個職位在市場上真正值多少錢」。這種思維會讓你的薪資成長速度，永遠被自己過去的起薪綁架。",[15,226,227],{"id":227},"該怎麼查市場行情",[229,230,231,237,243],"ol",{},[160,232,233,236],{},[21,234,235],{},"產業薪資調查報告","：許多人力銀行與顧問公司會定期發布特定產業與職位的薪資範圍，是相對客觀的起點。",[160,238,239,242],{},[21,240,241],{},"同業交流與人脈打聽","：透過信任的前同事、同業社群，了解類似職位的實際薪資範圍，通常比報告更貼近現實。",[160,244,245,248],{},[21,246,247],{},"實際投遞履歷測試水溫","：適度接觸市場上的其他機會，可以直接得到最真實的薪資報價，作為談判參考基準。",[15,250,252],{"id":251},"拆解-offer-的完整組成","拆解 Offer 的完整組成",[11,254,255],{},"薪資談判不該只看月薪數字，完整的報酬組成通常包含：",[157,257,258,261,264,267],{},[160,259,260],{},"本薪與獎金結構",[160,262,263],{},"年終與績效獎金的計算方式",[160,265,266],{},"股票或選擇權等長期激勵",[160,268,269],{},"福利與津貼，例如保險、教育訓練補助",[11,271,272],{},"只比較單一數字，很容易在整體評估上失真。",[15,274,275],{"id":275},"談判時機的選擇",[89,277,278],{},[11,279,280],{},"談判籌碼最強的時刻，往往不是在職滿一年的例行考核，而是在你手握其他 Offer，或是即將完成一個重大專案交付成果的時候。",[11,282,283],{},"實務上，我建議把薪資談判當成一個持續累積的過程，而不是臨時抱佛腳的單次事件：平時就整理自己的成果證據，定期關注市場行情變化，並在關鍵時機提出清楚、有數據支撐的訴求。談判不是要對方讓步，而是雙方基於事實，找到一個彼此都能接受的合理區間。當你手上有足夠的市場數據，談判時的底氣自然會不一樣。",{"title":98,"searchDepth":99,"depth":99,"links":285},[286,287,288,289],{"id":221,"depth":99,"text":221},{"id":227,"depth":99,"text":227},{"id":251,"depth":99,"text":252},{"id":275,"depth":99,"text":275},"\u002Fimages\u002Farticles\u002Fsalary-negotiation.webp","2026-05-28","薪資談判的第一步不是話術，而是掌握足夠的市場行情數據。",{},"\u002Farticles\u002Fsalary-negotiation",{"title":212,"description":292},"salary-negotiation","articles\u002Fsalary-negotiation","7UCL0GbSzf0wfgz74VSY4xNyvgCGweMrK-Wy6SECla8",{"id":300,"title":301,"author":302,"body":303,"category":105,"cover":353,"date":354,"description":355,"extension":109,"meta":356,"navigation":111,"path":357,"seo":358,"slug":359,"stem":360,"__hash__":361},"articles\u002Farticles\u002Fbookkeeping-3-steps.md","三步驟開始記帳，不再半途而廢","tseng-hsu-yao",{"type":8,"value":304,"toc":346},[305,308,311,314,318,321,325,328,332,335,340,343],[11,306,307],{},"我曾經卡債纏身，也曾經下載過至少十款記帳 App，每一次都撐不過一個月就放棄。後來我才明白，記帳失敗從來不是意志力不夠，而是方法本身設計得太複雜，複雜到讓人一忙就想放棄。",[15,309,310],{"id":310},"為什麼多數人記帳都會半途而廢",[11,312,313],{},"大部分記帳失敗的原因，都指向同一個根本問題：把記帳這件事想得太完整、太精細。分類分得太細、要求自己每一筆消費都要當下記錄、還要每天檢查預算執行率——這些「理想的記帳流程」，在真實生活的忙碌與疲憊面前，往往撐不過兩週。",[15,315,317],{"id":316},"第一步先求記錄不求分類","第一步：先求記錄，不求分類",[11,319,320],{},"一開始不要糾結於分類是否精準，只要求自己把「花了多少錢」記下來就好。可以先粗略分成「必要支出」與「非必要支出」兩大類，甚至一開始完全不分類也沒關係。重點是先把「記錄」這個動作變成習慣，之後再逐步優化分類方式。",[15,322,324],{"id":323},"第二步固定一個每天回顧的時間點","第二步：固定一個每天回顧的時間點",[11,326,327],{},"與其要求自己隨時隨地記帳，不如固定一個每天都會做的時間點，例如睡前十分鐘，回想今天花了哪些錢並一次補記。這個做法能大幅降低記帳的心理門檻，因為你不需要隨時中斷生活來記帳。",[15,329,331],{"id":330},"第三步每週做一次簡單回顧","第三步：每週做一次簡單回顧",[11,333,334],{},"每週花五到十分鐘，看看這一週的支出有沒有明顯異常，例如某個類別突然暴增。不需要做複雜的分析，只要問自己一個問題：「這週的花費，有沒有讓我未來後悔？」",[89,336,337],{},[11,338,339],{},"記帳的目的從來不是省錢，而是讓你清楚知道錢花去哪裡了，重新拿回對財務的掌控感。",[15,341,342],{"id":342},"給正在掙扎的你",[11,344,345],{},"如果你也曾經因為記帳半途而廢而感到挫折，請記得那不是你的問題，而是方法的問題。從最簡單的版本開始，允許自己中斷後隨時重新開始，比追求一套完美卻難以堅持的系統，更容易走得長久。",{"title":98,"searchDepth":99,"depth":99,"links":347},[348,349,350,351,352],{"id":310,"depth":99,"text":310},{"id":316,"depth":99,"text":317},{"id":323,"depth":99,"text":324},{"id":330,"depth":99,"text":331},{"id":342,"depth":99,"text":342},"\u002Fimages\u002Farticles\u002Fbookkeeping-3-steps.webp","2026-05-25","記帳失敗不是意志力問題，而是方法一開始就設定得太複雜。",{},"\u002Farticles\u002Fbookkeeping-3-steps",{"title":301,"description":355},"bookkeeping-3-steps","articles\u002Fbookkeeping-3-steps","V-YVZwCwhhaJgQaq-3lp4QYqZV-5z2c987gKBwvQCis",1784448119779]