V's

扣掉最後一天跑流程不算，我剩下兩個工作天在IBM了。
好快阿，兩年將近七個月的時間就這樣過去了，從一開始傻呼呼的跟著學excel，跟著Bunny學notes怎麼用，一直到現在使用這些都好像呼吸一樣自然！這種熟悉的感覺真的很好，進到office已經有當初我夢寐以求的自在感，但我要離開了！
下了這個決定，心裡忐忑不安的成分居多，因為誰也不會知道下一個會不會比這個好？但人生不就是這樣充滿未知才顯得有趣嗎 ( 姑且先給我點頭！)
想說的是，真的很感激當初Becky與Shannon面試我讓我進來，這家公司這麼大，讓我見識到大公司的運作真的很不得了！感謝師傅施邦，這麼悉心教導我，也很高興與他成為能談心的好朋友；感謝這邊有學生時期的朋友，陸寶，陳囉，你們讓我在公司的適應期縮短很多，是心靈受傷時的良藥；感謝因為工作的機會能有香港與大陸的同事，同是中國人，但他們與台灣人的風格是截然不同的，覺得有個朋友可以隨時問一下北京話的意思，這經驗還蠻特別的！感謝因為工作關係能有機會與外國人con call，雖然英文破的很，但有這種經驗也是值得被記下。還是想再謝謝Shannon一次，在工作上給我這麼多照顧與指導，真的很喜歡Shannon！
 
 

作者:張漢宜 2007.12.19／ 第387期
成立十年的日本最大網路購物商城「樂天市場」（Rakuten），首度跨足海外市場，第一站就選擇台灣。
今年十一月，樂天集團會長兼社長三木谷浩史來台，宣布與統一超商的合作計劃，預計二○○八年第二季開設台灣版的樂天線上交易平台，讓台灣與日本的商品可以在網路上互相買賣交流，造福商家與消費者。
四十二歲的三木谷浩史，出身兵庫縣明石市，父親是神戶大學經濟系名譽教授三木谷良一。一九九七年創辦樂天，在網路熱潮最盛的二○○○年，跟活力門（Livedoor）前社長崛江貴文、Cyber Agent社長藤田晉，都是當時日本最受矚目的網路新貴。
當網路泡沫化、許多網路公司從市場消失，樂天卻依然扶搖直上。二○○二年，三木谷浩史甚至在美國財經雜誌《Fortune》評選的年輕富豪榜中位居第六，擁有資產高達三千億日圓（約八六六億台幣）。
二○○七年《Forbes》雜誌發表的「全球富豪榜」（World's Billionaires），三木谷浩史以二十九億美元資產位居全球第三一四名、日本第八。 
向戰國時代經濟取經
三木谷浩史創辦樂天的緣起，跟日本戰國時代「樂市．樂座」的制度有關。
「樂市．樂座」是織田信長、豐臣秀吉時期所推行的經濟政策。這項制度廢除了獨佔販賣、不課稅等商業特權，並開放給所有人都能加入經商，形成一個自由公平交易的市場。這在當時是一項極富遠見、劃時代的經濟革新政策。
這樣的制度，正是三木谷浩史進軍網路市場所秉持的理念。當時，在日本的實體市場要開一家普通的店面，通常每個月要收至少三十萬日圓的費用。
三木谷浩史創辦樂天時，引進固定收費制，每個月固定月費壓到五萬日圓，大幅降低有意在網路上創業者的門檻。等到市場規模壯大之後，再將固定收費制轉變為利潤制。這樣的做法，讓每個人都能輕鬆當老闆。
《讀賣新聞》報導，三木谷浩史從一橋大學畢業後，曾在日本興業銀行工作，後來到美國哈佛大學念ＭＢＡ。回國之後，他有了創業的念頭，不想再當上班族。
五個快速成長祕訣
三木谷浩史認為，想做就要馬上去做，「人生，連一次後悔也不要留下！」。於是，他在一九九五年先創辦了一家顧問公司，兩年後正式創辦樂天市場。
樂天市場開張後三個月，只有十三家店，一年後增為兩百家，此後即呈倍數成長。目前，有六萬多家店在樂天市場開張，上架商品超過兩千五百萬種。樂天是怎麼做到的？
二○○七年十月，三木谷浩史首次出書《成功的概念》，發表他的經營之道。三木谷浩史在書中表示，樂天能夠快速成長的原因，主要有五個祕訣：
一、不斷改善，不斷前進。
二、把專業做到徹底。
三、假設↓實行↓檢證↓系統化。
四、達到顧客最大程度的滿足度。
五、速度、速度、速度！
近年來，樂天以併購方式擴大事業版圖。從二○○○年買下搜尋引擎Infosy開始，陸續擴張關係企業，如今，除了網路購物商城之外，樂天旗下還包括搜尋引擎、線上旅行社、網路證券等。
大學時期曾是網球校隊主將的三木谷浩史，非常熱愛運動，二○○四年，成立了樂天棒球集團，以日本東北第一大城市仙台為據點。
虛實一起出擊的野心
三木谷浩史一直有個夢想：將網路與媒體結合，從虛擬與實體一起出擊，發揮相加相乘的影響力。
活力門前社長崛江貴文也曾有此野心，企圖以惡意併購拿下富士電視，後來因日本保守派商業勢力出手阻止這樣「大逆不道」的做法而功敗垂成。
後來，三木谷浩史也積極想收購ＴＢＳ電視而引起矚目，但有殷鑑在前，他並不躁進，跟ＴＢＳ協議在資本與業務方面先進行合作，日後再視時機進行更大的動作。因此，日本社會也有認為他「圓滑、野心勃勃」的聲音出現。
出手積極而迅速的三木谷浩史，讓樂天與統一超商共同建立台、日的線上買賣平台，引起消費者與商家高度期待。《朝日新聞》報導，為了專心衝刺樂天，三木谷浩史決定從二○○八年一月起辭去樂天職棒球團經營者（Owner）職位，全力打拚樂天的國際版圖。積極拚戰的三木谷浩史，下一步會怎麼走，備受矚目。

作者:江佾穎 2007.12.19／ 第387期
當你身邊每三個人中，就有一個人是經常性上網的人口時，你該如何抓住他的心？跨界平台的行銷新世代，人心更難測，到底消費者在想什麼？緊抓五大訣竅，讓你輕鬆打開消費者心中的行銷大門！
訣竅一：跨界媒體平台，電視、網路、手機通通變成一家人
從窄頻到個人無線寬頻，從PC連線到手機上網，消費者需求日新月異，跨媒體成主流，E時代的行銷人必須先瞭解「公司優劣勢」，才能出奇制勝，鞏固核心觀眾，同時開拓新客群。
手機，成為不可忽視新平台。原因有二：第一，因為手機在全球的普及率比電腦更高，二來，手機是個人化的工具，特納國際亞太（CNN）大中華區副總裁陳永光表示，人們到哪裡都帶著手機，這是最直接也最個人化的溝通管道，「手機跟著你的時間，可能比你太太多！」

作者:賴建宇 2007.12.19／ 第387期主計處上調台灣全年經濟成長率達五．四六％，經濟成長數字亮眼，為何一般民眾仍覺得日子難過？《天下雜誌》特別深入追究，為你揭開其中謎團。
「經濟成長率五．四六％？會不會是主計處跟消費物價成長率一．六五％搞混啦！」一位經濟學家開玩笑地表示，這樣比較能符合外界一般的感受。
是什麼原因讓一般老百姓和經濟學家都會對五．四六％的經濟成長率感到詫異？
所謂的經濟成長率，是國內生產毛額（Gross Domestic Product，ＧＤＰ）按固定期價格計算之年增率。 

統計盲點１ 貿易平減，讓ＧＤＰ「虛胖」一兆
首先，台灣近年來對外貿易條件的惡化，是造成實質ＧＤＰ「虛胖」的主要原因。從二○○○年到二○○六年，台灣的經濟成長大約一半是貿易出超的貢獻，前金融研訓院院長薛琦分析裡面有很大的比例，是進出口物價的調整產生出來的。
按照ＧＤＰ的定義，出口減進口計為ＧＤＰ當中的貿易貢獻。過去幾十年來，不管進口或國內物價多是呈現上漲的趨勢，為避免在計算「經濟成長率」時受物價波動，必須設一個基準年，把物價調整回去成為「實質經濟成長率」，好方便比較。
我國訂的基準年為二○○一年，又恰好二○○二年是產品進出口價格成長率的分水嶺，之前進出口物價成長率互有高低，但之後，由於國際原物料開始上漲，相對的我國出口電子資訊產品價格卻一直滑落，進出口物價相對指數愈拉愈大。
以佔出口將近一半的電子產品來說，今年十一月的出口價格只剩二○○一年的七成。意思是假如今年出口一台七千元的十七吋液晶螢幕，在換算成實質ＧＤＰ時，可以調整成一萬元；同理，進口的一桶原油，在平減到二○○一年的物價後，價格只剩三分之一。
就是這樣的「平減魔術」，出口虛增，進口虛減。據主計處資料顯示，貿易損失二○○四年超過六千億，二○○五年八千億，去年超過一兆。「這筆錢是外國人賺走的，」前經建會副主委葉萬安對於貿易損失愈來愈高感到不滿。
「其實那是虛的嘛，老百姓當然感受不到，老百姓的生活消費都是用當下的物價，」薛琦說。
統計盲點２ 折舊貢獻，不是真正當年的產值
第二個原因造成ＧＤＰ虛胖的是折舊。ＧＤＰ算的是投資毛額，也就是除了每年新增的投資外，尚包含機器設備折舊。
這幾年台灣經濟成長的明星產業「兩兆雙星」中的兩兆產業——半導體跟面板。兩者都需要買進大量機器設備，而且汰舊率高、折舊率也高。如果這兩個產業比重愈大，就表示ＧＤＰ必須提列愈多的設備折舊，這部份是不能拿來消費的，因此民眾也感受不到。
薛琦引述主計處資料發現，折舊佔ＧＤＰ比重從二○○○年的一一．二％上升到去年的一三％，金額也從一兆一千億放大到一兆五千億。
統計盲點３ 三角貿易，海外生產的獲利未必匯進國內
第三部份就是三角貿易的高估。所謂三角貿易指的是國內接單，海外生產、出貨。三角貿易佔我國出口比重自二○○○年不到一％開始，之後年年迅速攀升，到今年前七個月比重已經超過國內出口的一半，金額超過六百億美元。
二○○五年主計處改變ＧＤＰ計算方式，採取有別於央行「現金制」的編算基礎，原本是企業獲利實際匯回台灣才算數，現在採用ＩＭＦ「權責制」的統計基礎來對上市公司調查，只要企業認列海外獲利，就計入台灣的ＧＤＰ。由於這部份獲利未必會匯回台灣，自然民眾也未必能如實感受到數字的成長。
經濟成長，政府幫倒忙
除了統計盲點外，薪資沒有漲更讓一般勞動階級感受不到經濟成長。一方面薪資成長率近七年全國平均不到二％外，主計處統計勞動報酬佔ＧＤＰ比重也顯示，從一九九○年的五一．四％，一路下滑到二○○六年的四五．六％，顯示勞工可分享到的經濟果實愈來愈小塊。
結果就是大家口袋都薄薄的。中央研究院經濟所研究員梁啟源分析一九九九到二○○五年家戶所得年平均成長率僅僅是千分之一，支出成長卻是一．二％。
冰冷的大環境下，政府不但沒有刺激景氣，反而將總預算的大餅漸漸轉往國防與社福。明年度的中央總預算書上，經濟發展只剩總預算的一一．九％，五年內少掉四個百分點，預算也從二○○四年的兩千五百億，一路縮到今年的兩千億。
檢視過去十年的ＧＤＰ結構，政府投資貢獻經濟成長只有一年為正，最近更連續八年都是負成長，每年投資經費從十年前的五千億，到今年只剩四千一百億。
不僅規模縮水，政府在編列經濟發展預算的「純度」也遭立委質疑。依據立法委員林滄敏辦公室提供資料，二○○二、二○○三年，國庫彌補國安基金已賣出實現虧損達八十九億，另外拿台糖股票作價三七七．九億彌補帳上未實現虧損，累計過去國庫撥補高達四六六．九億。
一向治學嚴謹的梁啟源在計算複雜的經濟成長率時，也覺得奇怪，他自己的模型怎麼無法和主計處公布的兜在一起。他一探究竟發現，政府前幾年居然把這筆國安基金的虧損列入經濟發展支出中。難怪「過去幾年來，政府投資是負成長，但政府預算沒有負成長，」找到答案後這位認真的學者不禁搖頭。
外熱內冷惡性循環
政策傾斜、財政緊縮造成的結果就是整個社會對於投資、消費趨於保守。我國閒置在銀行裡面的資金高達一兆四百五十六億，這些就是儲蓄減掉投資後剩下的超額儲蓄。
台灣超額儲蓄率今年創SARS以來的新高達八．一％，明年主計處甚至估計會達到八．九％。再看包含流動貨幣與銀行存款的廣義貨幣數Ｍ２，年增長率連續兩個月低於央行目標區三．五％，「就是銀行不放款，錢要放出去才是貨幣，在褲子裡的都不是貨幣，」中研院研究員吳中書如此解讀這個強烈的訊號。
「好就好，不好就不好，我覺得面對問題最重要，」這是吳中書給政治人物和老百姓的忠告。

After a bumper year, the luxury-goods industry is heading for uncertain times
MORE than any other industry, the luxury-goods business needs people to feel good about spending money. So at a recent conference in Moscow, Bernard Arnault, the head of Moët Hennessy Louis Vuitton (LVMH), the world's biggest luxury-goods group, went to great lengths to dismiss investors' fears about the impact on the industry of America's credit crisis, a possible recession and the weak dollar. Indeed, Mr Arnault said he expects the industry's sales almost to double in the next five years, thanks to strong demand from emerging markets and the creation of new wealth across the globe.After a depressing period at the beginning of the decade when the terrorist attacks in America, the outbreak of SARS and the war in Iraq reduced international travel and people's appetite for frivolous things, the industry has had three excellent years. According to Bain, a consultancy, sales of luxury goods grew by 9% in 2006 to euro159 billion ($200 billion) and will reach about euro170 billion this year, which would be double the 1996 figure. Europe remains the biggest market, with about 40% of sales, though the strongest growth is in China, Russia, the Middle East and some Latin American countries.Can the industry really double again in half the time? Analysts at Citigroup say that Christmas will be good this year for luxury-goods firms, but they are more cautious about next year because of worries about falling demand in America. It is tempting to think that luxury goods are isolated from the broader economy, because customers are rich enough to ignore it, says Luca Solca, a luxury-goods analyst at Bernstein Research. But the industry's expansion into a broader "aspirational" market, by selling to the merely affluent, makes it susceptible.And as luxury firms expand in Asia and the Americas, they will continue to suffer currency woes. Most of the industry's production is in the euro-zone, mainly in France and Italy. Even the optimistic Mr Arnault complained at his firm's recent annual meeting that the euro had reached "incomprehensible" levels against the dollar and the yen. Luxury companies could shift more of their production to countries with weaker currencies and cheap labour (ie, China), but some customers--especially Asian customers--want the elitism and craftsmanship associated with products manufactured in Europe.At least sales in emerging markets are growing fast. But Melanie Flouquet, a luxury analyst at JPMorgan, an investment bank, says that this growth is not enough to offset a slowdown in America. Chinese and Russian consumers account for around 7% and 4% of global luxury sales respectively, compared with 16-18% for Americans. Even so, European firms are sticking to their plans in New York, America's fashion capital. Gucci will open its biggest shop in February in Trump Tower, a shiny skyscraper on New York's Fifth Avenue.Ermenegildo Zegna will also open a shop on Fifth Avenue next year. And this week Dolce & Gabbana re-opened its spruced-up shop on Madison Avenue.Claudia D'Arpizio of Bain thinks luxury makers need to follow Giorgio Armani and segment their customers more carefully with different product lines at different price ranges. She predicts that the industry will see solid growth rates of up to 10% a year in the near term. This means that the industry could double in ten years--by which time China is likely to account for more than a quarter and maybe as much as a third of the world's consumption of luxury goods. Yet Mr Arnault's rosy prediction seems unlikely to come true. As Americans tighten their purse-strings, over-optimism is a luxury even this industry cannot afford.
中文:

From The Economist print edition Published on Dec 13th, 2007
THIS month Omar Bongo—the longest-serving ruler in Africa—celebrated 40 years in power in Gabon. In Libreville pictures of him hang everywhere. But outside the country, Gabon achieved a far more impressive landmark, when it raised $1 billion on the international markets—becoming only the third country in continental sub-Saharan Africa in two decades to issue sovereign bonds abroad.
The West African country has oil, close ties with China and better-managed public finances, which are three of the ingredients sought after by Africa's foreign creditors—even those who may struggle to find Gabon on a map. Increasingly, other African countries, including those without oil, are also arousing interest among outsiders. Ghana launched an international sovereign bond in September. Kenya, and possibly Zambia and Tanzania, hope to follow.There is a dizzying sense of the gold rush about the way investment bankers are peddling the continent to investors. Many portray parts of sub-Saharan Africa as the new frontier for risk-takers, offering returns that, it is hoped, will be uncorrelated to the fluctuations of developed markets. Sometimes the salesmen gloss over the political risks, the corruption and the debilitating exposure to commodity cycles. But it is not all hype. High commodities prices, good debt-management (the proceeds of Gabon's ten-year bond will go toward buying back its Paris Club debt), debt relief and better economic leadership have produced the strongest growth and lowest inflation in sub-Saharan Africa in over 30 years. South Africa is still the biggest magnet for foreign portfolio investment, but capital is flowing into shares and bonds elsewhere, too (see chart).Even those countries unable to issue international bonds are preparing the ground. Standard & Poor's (S&P), a credit-rating agency, has been working since 2003 with the United Nations Development Programme and rates 13 countries in sub-Saharan Africa. In November S&P opened its first African office in Johannesburg. Ratings provide a proxy measure of country risk and demonstrate a country's commitment to transparency, both of which should help attract foreign capital.Domestic debt markets are also opening to foreigners—though most of the money is being raised by states, rather than private companies. In the West African Economic and Monetary Union, annual issues of publicly traded government debt have grown tenfold since 2000, reaching 383 billion CFA francs ($770m) in 2006. In some sub-Saharan countries, 10-20% of local sovereign bonds are now held by foreigners, according to the IMF.

From Economist.com Published on Dec 19th, 2007 AS VOTING ended in South Korea’s presidential election, exit polls indicated what most in the country had anyway expected: the opposition Grand National Party’s Lee Myung-bak was to be the country’s president. Mr Lee won a thumping endorsement, securing close to 50% of the vote in a 12-man presidential field. Mr Lee’s victory brightens the conservative GNP's prospects of also winning control of the legislature in elections next April.
So ends a decade of liberal rule by Kim Dae-jung and his successor Roh Moo-hyun. South Koreans are disillusioned with Mr Roh, who talked about improving their lot but failed to deliver robust economic growth. His divisive rhetoric angered many. “A president has to bring the country together,” Hyundai's chairman and a legislator, Chung Mong-joon, suggested. “Roh Moo-hyun divided the country.”Many South Koreans believe that Kim Dae-jung’s “Sunshine Policy’’ of being friendly towards North Korea, which continued under Mr Roh, brought them little in the way of security. Kim Jong Il’s dictatorship developed and tested nuclear bombs despite it. South Koreans suspect that vast amounts of money have been paid to the north in return for summits with the dictator. Mr Lee wants an end to aid if North Korea does not give up its nuclear-weapons programme. He intends to use six-party talks (with China, America, Japan, Russia and North Korea) to put pressure on the north.Raised in poverty, like many of his 49m countrymen, Mr Lee has an appealing chutzpah. Voters evidently liked the 66-year-old's strong personal story: he overcame malnutrition, paid his own way through university by working as a rubbish collector, and eventually rose to become the boss of ten Hyundai affiliates. His pragmatism helped, too. He is not an old-guard conservative. He was arrested and jailed during his university days. As mayor of Seoul, the capital, he sought to beautify the city. He planted trees, widened pavements, created green public spaces and improved public transport. Mr Lee’s last election rally was in the centre of Seoul beside the Cheonggyecheon stream. The revival and beautification of the 5.8km waterway through the city became a symbol of his success as mayor. For many voters his ability to graft a consensus among Seoul’s diverse interest groups, to complete the project, augurs well for his time in higher office.As president Mr Lee says he will slash taxes and ease regulations in order to boost consumer spending. At a news conference the day before the poll he promised a “new era” of economic growth once he takes office in February. He even made specific predictions, suggesting that South Korea’s main stock index will rise to 3,000 one year into his presidency and will be at 5,000 when his five-year term ends. The Kospi closed at 1,861.47 on the day before the election.

By Sun Pei-yuPublished on Oct 11, 2006HTC's smartphones have heaped profits not just on itself, but on dozens of big Western corporations too. What qualified HTC, small and obscure just a decade ago, to join the "symbiotic" systems of these major international players?

In a recent issue of BusinessWeek magazine, High Tech Computer Corporation occupied the fourth spot on a list ranking the 150 best-performing companies in Asia in 2006. Having taken a giant step forward from its 31st-place ranking in 2005, HTC found itself preceded only by Taiwan's Chinese Petroleum Corp., Sumitomo Metal Industries of Japan, and Indian copper giant Sterlite - some of the leading energy and natural resource operations in Asia. It was also sitting in front of the eighth-ranked Hon Hai Precision Industry Co., Taiwan's largest company."While many Taiwanese rivals have been suffering from shrinking margins and stiff competition, HTC is enjoying Google-like growth," noted BusinessWeek. And like the young Google, HTC, founded in 1997 by Cher Wang, stands out as an exemplar for innovative enterprises in Taiwan.Support of Big International OperatorsHTC has maneuvered itself masterfully into a position from which it plays leading roles in the "symbiotic" systems of the world's top information technology and telecommunications operators.

目前我才工作兩年半，我覺得除了工作很打混的人會讓人難相處外，我其實還怕另一種，就是工作上身症的人！
我說的工作上身症，就是不論在工作或者私底下都有濃厚的上班味道，職業性的對答是最明顯的例子，不論談心事或者講笑話，可能會不自覺得說出［是］［對］［謝謝］［嗯哼］，通常我聽到這種詞句就會覺得渾身不自在。不過這是很難避免掉的，畢竟一整天有一半以上的清醒時間是面對工作的，常常會不自覺得把工作情緒延續到下班之後，我可能也會有相同的情況發生，但我警告自己盡量不要！

我覺得我們真的太少喝水，太常喝飲料了，抓了這篇文章，警戒以後要常喝水！！
真正有效的飲水方法，是指一口氣（或一次過）將一整杯水（約200–250毫升）喝完為止，而不是隨便喝兩口便算，這樣才可令身體真正吸收使用。當然，所謂一次過飲水，並非一定要一口氣喝完。如果只隨便喝一兩口來「止渴」，對身體根本無濟於事。 飲好水 盡量避免常飲蒸餾水（一般蒸餾水的水性太酸，容易傷害身體，對腎臟較弱的人士則更為不利），可選擇優質的礦泉水。如可以的話，飲用鹼性水對人體最有利；否則，在家用濾水器過濾後煮熟再喝亦無不可。總的來說，如沒選擇，飲比不飲好！！ 飲暖水 夏日炎炎，很多人都會選擇飲冰水，又或特意在水中加冰飲用。其實冰水對胃臟功能不利，飲和暖開水更為有益，因為這特別有助於身體吸收使用，更有助腸胃消化。 空腹飲水 當然，飲水隨時都可以，口渴時才飲用往往只能解渴，未能濟事。有效的飲水方法，乃在空腹時飲用，水會直接從消化管道中流通，被身體吸收；吃飽後才飲水，對身體健康所起的作用比不上空腹飲水好，試試看吧！

作者:吳韻儀 2007.09.26／ 第381期過去20年，沒有經濟學家影響力比得上葛林斯潘，他也被稱為權力僅次於美國總統的決策者。過去，他如何影響全球經濟秩序？未來，如何看待新興市場與金融走勢...
Q：次級房貸風暴還繼續延燒。為什麼會如此嚴重？
A：金融市場的危機，已經一觸即發，如果不是次級房貸，也會有其他的標的。開發中國家的利率、美國政府國庫券等之間的利差，現在是有史以來的小的，就會有高風險的金融工具出現。
次級房貸造成問題，部分是全球長期利率大幅下降，全世界資產價格漲得比名目GDP還快，帶動世界資金流動戲劇性的大量增加。

作者:陳世耀 2007.12.19／ 第387期從「3倍、加薪」，到最近的「一起＋入」，靠著短短幾個關鍵字，匯豐銀行成功打造網路銀行Direct新品牌，究竟HSBC靠著哪兩大關鍵，成功打造媒體整合效益呢？本週超能力學堂，邀請行銷處資深副總裁林慧玲，獨家傳授關鍵字行銷的魔力秘方。
了解消費者需求，而非改變他們的行為
Q：可否先請您談談什麼是關鍵字廣告？HSBC又是如何看待這樣的行銷工具？