Taiwan's Central Bank kept its discount rate at 2% for a tenth straight quarter but identified uneven credit allocation, rather than insufficient system-wide liquidity, as a key financial-market problem. Governor Yang Chin-long said banks have directed credit toward stronger AI and electronics companies while some traditional industries and small and medium-sized enterprises face financing pressure. He proposed coordinated action by state-owned banks, the Financial Supervisory Commission, the Small and Medium Enterprise Credit Guarantee Fund and Chunghwa Post to channel funds more broadly. Domestic banks extended NT$535.35 billion in new SME loans in the first seven months, exceeding the NT$500 billion full-year policy target, yet lending remained concentrated in AI-linked sectors. The Taiwan decision remains separate from Thailand's maintenance of its 1.00% policy rate amid weak and uneven growth.