美國次級房貸危機所引起的金融風暴，造成全球金融市場的動盪，更影響經濟體系的衰退，台灣也深受之波及。本文首先簡述金融風暴的成因以及對台美兩國的衝擊層面，主要受到的衝擊層面，仍是以投資虧損、資產崩跌、資金緊縮和企業營運困難等，最終導致經濟衰退，失業率攀升等問題。其後，探討整理台美政府為挽救崩潰的經濟體系，所採取的各項措施。主要採取救市方案可分為三大類：央行採取積極的寬鬆貨幣政策提供市場流動性、金援大型金融機構及產業、大幅提高存款保障等；另外政府仍大幅推動振興經濟計畫，利用擴大公共支出以及減稅方案之政策，挽救衰退的經濟。上述之政策，在2009年底時來看，都有收到一定的成效。本文最後認為，央行可適當調整外匯及貨幣控管，政府可持續推動金融監理改革及衍生性商品之風險控管，推動產業革新再造，積極拓展兩岸的經貿等，並期許減少未來可能的金融及經濟體的大幅波動。 The financial crisis caused by the U.S. subprime mortgage crisis has deep impact on the global financial market which results in economic recession, including Taiwan. In this article, first we will briefly describe the causes of the financial storm and the impact on Taiwan and US. The damages are mainly on investment losses, collapse of assets, credit crunch and operation difficulties of enterprises which result in recession and rising unemployment. Second, this paper investigates the measures of Taiwan and US governments to rescue the collapsing economy. The measures can be divided into three parts: the central bank adopts active and lax monetary policy to provide liquidity, bailout plans to big financial institutions and industries, greatly increases deposit insurance. On the other hand, government implements economic stimulus plan, public spending and tax cut to rescue the economy. By the end of 2009, the policies mentioned above have received positive effects. In sum, this paper suggests that to reduce future financial and economic turmoil the central bank should properly adjust foreign reserves and control money supply, government should continue financial reforms, monitor the risk of financial derivatives, carry out industrial re-construct, actively explore the cross-strait trade and economic relations. We expect a stable economic system in the near future.
