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                            <h1 class="h6 herald-mod-h herald-color">Tag • 銀行定存利率</h1>
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                               title="美元強、日圓續弱！換匯掌握甜蜜點　還可搭配優存年息最高10%">
                                <img src="/uploads/images/20260430/14d7f303d48e5a7e75.png" alt="美元強、日圓續弱！換匯掌握甜蜜點　還可搭配優存年息最高10%"/>
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                                        美元強、日圓續弱！換匯掌握甜蜜點　還可搭配優存年息最高10%                                    </a>
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                                    <div class="meta-item herald-date"><span class="updated">2026-04-30</span>
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                                <p> 在全球匯市波動加劇的環境下，美元維持相對強勢，而日圓則處於近年相對低檔區間，使得「換匯時點」成為民眾關注的理財焦點。銀行建議，可透過搭配匯率趨勢與短天期、高彈性的存款工具，不僅能保有資金高度可用性，...</p>
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