(二)請說明公開市場操作有哪兩種型態？其目的有何不同？【10 分】

第四題：【英翻中】 Across Europe, more than 86% of banks now use AI for routine tasks like information gathering, transaction support, investment recommendation, and customer service. Customers are increasingly comfortable with those applications, too. However, consumers remain reluctant to let AI handle loan applications or investment decisions independently. Only 39% say they are willing to trust AI assistants with financial planning decisions. Consumers are concerned that AI often operates without clear explanations, that there is not an obvious way to question its recommendation, or that responsibility becomes unclear if something goes wrong.【25 分】

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(二)請說明公開市場操作有哪兩種型態？其目的有何不同？【10 分】

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