{"id":18084,"date":"2025-11-06T15:20:00","date_gmt":"2025-11-06T15:20:00","guid":{"rendered":"https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e4%ba%ae%e7%9b%b8%e7%ac%ac%e5%85%ab%e5%b1%8a%e8%bf%9b%e5%8d%9a%e4%bc%9a%ef%bc%8c%e5%8f%91%e8%b5%b7%e3%80%8a%e5%bf%83%e8%a1%80%e7%ae%a1%e5%b0%8f%e8%af%be%e5%a0%82%e3%80%8b%e7%a7%91\/"},"modified":"2025-11-06T15:20:00","modified_gmt":"2025-11-06T15:20:00","slug":"%e8%af%ba%e5%8d%8e%e4%ba%ae%e7%9b%b8%e7%ac%ac%e5%85%ab%e5%b1%8a%e8%bf%9b%e5%8d%9a%e4%bc%9a%ef%bc%8c%e5%8f%91%e8%b5%b7%e3%80%8a%e5%bf%83%e8%a1%80%e7%ae%a1%e5%b0%8f%e8%af%be%e5%a0%82%e3%80%8b%e7%a7%91","status":"publish","type":"post","link":"https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e4%ba%ae%e7%9b%b8%e7%ac%ac%e5%85%ab%e5%b1%8a%e8%bf%9b%e5%8d%9a%e4%bc%9a%ef%bc%8c%e5%8f%91%e8%b5%b7%e3%80%8a%e5%bf%83%e8%a1%80%e7%ae%a1%e5%b0%8f%e8%af%be%e5%a0%82%e3%80%8b%e7%a7%91\/","title":{"rendered":"\u8bfa\u534e\u4eae\u76f8\u7b2c\u516b\u5c4a\u8fdb\u535a\u4f1a\uff0c\u53d1\u8d77\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\u666e\u6d3b\u52a8"},"content":{"rendered":"<p class=\"prntac\">\n<\/p><p>                    <span>\u8d21\u732e\u836f\u5e08\u79d1\u666e\u529b\u91cf\uff0c\u7b51\u5b88\u56fd\u6c11\u5fc3\u8840\u7ba1\u5065\u5eb7\u9632\u7ebf<\/span><\/p>\n<p>\n                  <span class=\"legendSpanClass\">\u4e0a\u6d77<\/span><br \/>\n                  <span class=\"legendSpanClass\">2025\u5e7411\u67086\u65e5<\/span> \/\u7f8e\u901a\u793e\/ &#8212; \u7531\u4e2d\u56fd\u533b\u836f\u5546\u4e1a\u534f\u4f1a\u548c\u8bfa\u534e\u516c\u53f8\u5171\u540c\u53d1\u8d77\u836f\u5e97\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\u666e\u6d3b\u52a8\u7684\u5021\u8bae\uff0c\u6d3b\u52a8\u5728\u7b2c\u516b\u5c4a\u4e2d\u56fd\u56fd\u9645\u8fdb\u53e3\u535a\u89c8\u4f1a\u8bfa\u534e\u516c\u53f8\u5c55\u53f0\u4e3e\u884c\u3002\u5021\u8bae\u5185\u5bb9\u805a\u7126\u6211\u56fd\u4e25\u5cfb\u7684\u5fc3\u8840\u7ba1\u75be\u75c5\u9632\u63a7\u5f62\u52bf\uff0c\u65e8\u5728\u901a\u8fc7\u4e13\u4e1a\u3001\u53ef\u6301\u7eed\u7684\u5065\u5eb7\u79d1\u666e\u5185\u5bb9\uff0c\u6253\u901a\u5fc3\u8840\u7ba1\u5065\u5eb7\u77e5\u8bc6\u4f20\u9012\u7684 &#8220;\u6700\u540e\u4e00\u516c\u91cc&#8221;\uff0c\u4e3a\u516c\u4f17\u63d0\u4f9b\u6743\u5a01\u7684\u75be\u75c5\u8ba4\u77e5\u4e0e\u7528\u836f\u6307\u5bfc\uff0c\u52a9\u529b&#8221;\u5065\u5eb7\u4e2d\u56fd 2030&#8243;\u89c4\u5212\u4e2d\u6162\u6027\u75c5\u9632\u63a7\u76ee\u6807\u7684\u5b9e\u73b0\u3002<\/p>\n<div class=\"PRN_ImbeddedAssetReference\">\n<p>\n                    <a href=\"https:\/\/mma.prnewswire.com\/media\/2815948\/image_1.html\" target=\"_blank\" rel=\"noopener\"><\/a><\/p>\n<p>                    \n                  <\/p>\n<\/div>\n<p>\n                  \u5fc3\u8840\u7ba1\u9632\u63a7\u523b\u4e0d\u5bb9\u7f13\uff0c\u79d1\u666e\u6216\u6210\u5173\u952e\u7a81\u7834\u53e3\n                <\/p>\n<p>\u636e\u300a\u4e2d\u56fd\u5fc3\u8840\u7ba1\u5065\u5eb7\u4e0e\u75be\u75c5\u62a5\u544a2024\u6982\u8981\u300b\u6570\u636e[1]\u663e\u793a\uff0c\u6211\u56fd\u5fc3\u8840\u7ba1\u75be\u75c5\u60a3\u8005\u6570\u91cf\u5df2\u8fbe\u00a03.3 \u4ebf\u4eba\uff0c\u9ad8\u8840\u538b\u63a7\u5236\u7387\u4ec5\u4e3a\u00a015.3%\uff0c\u9ad8\u8840\u8102\u63a7\u5236\u7387\u4e0d\u8db3\u00a05%\uff084.8%\uff09\uff0c\u516c\u4f17\u5bf9\u5fc3\u8840\u7ba1\u75be\u75c5\u7684\u8ba4\u77e5\u4e0d\u8db3\u3001\u7528\u836f\u4f9d\u4ece\u6027\u4f4e\u7b49\u95ee\u9898\uff0c\u6210\u4e3a\u5236\u7ea6\u9632\u63a7\u6548\u679c\u7684\u91cd\u8981\u56e0\u7d20\u3002<\/p>\n<p>&#8220;\u96f6\u552e\u836f\u5e97\u4f5c\u4e3a\u57fa\u5c42\u5065\u5eb7\u670d\u52a1\u7684\u91cd\u8981\u7ec8\u7aef\uff0c\u5e73\u5747\u6bcf\u5bb6\u836f\u5e97\u8986\u76d6\u7ea6\u4e09\u5343\u540d\u9644\u8fd1\u5c45\u6c11\uff0c\u662f\u516c\u4f17\u83b7\u53d6\u5065\u5eb7\u670d\u52a1\u6700\u4fbf\u6377\u7684\u573a\u666f\u4e4b\u4e00\u3002&#8221;\u4e2d\u56fd\u533b\u836f\u5546\u4e1a\u534f\u4f1a\u4f1a\u957f\u77f3\u665f\u6021\u5973\u58eb\u5728\u542f\u52a8\u4eea\u5f0f\u4e0a\u8868\u793a\uff0c&#8221;\u836f\u5e08\u4f5c\u4e3a\u5065\u5eb7\u670d\u52a1\u7684\u6838\u5fc3\u529b\u91cf\uff0c\u4e0d\u4ec5\u627f\u62c5\u7740\u7528\u836f\u6307\u5bfc\u7684\u804c\u8d23\uff0c\u8fd8\u53ef\u4ee5\u6210\u4e3a\u5fc3\u8840\u7ba1\u5065\u5eb7\u79d1\u666e\u7684 \u2018\u4e00\u7ebf\u5ba3\u4f20\u5458&#8217;\u3002\u76ee\u524d\uff0c\u90e8\u5206\u836f\u5e08\u5728\u5fc3\u8840\u7ba1\u75be\u75c5\u77e5\u8bc6\u50a8\u5907\u53ca\u79d1\u666e\u8868\u8fbe\u80fd\u529b\u4e0a\u4ecd\u6709\u8f83\u5927\u7684\u63d0\u5347\u7a7a\u95f4\uff0c\u4e9f\u9700\u7cfb\u7edf\u5316\u7684\u79d1\u666e\u6307\u5bfc\u4e0e\u652f\u6301\u3002&#8221;\u8fd9\u4e5f\u6b63\u662f\u53d1\u8d77\u5fc3\u8840\u7ba1\u836f\u5e08\u79d1\u666e\u5021\u8bae\u7684\u6838\u5fc3\u80cc\u666f\u3002<\/p>\n<div class=\"PRN_ImbeddedAssetReference\">\n<p>\n                    <a href=\"https:\/\/mma.prnewswire.com\/media\/2815949\/image_2.html\" target=\"_blank\" rel=\"noopener\"><\/a><\/p>\n<p>                    \n                  <\/p>\n<\/div>\n<p>\u4e0d\u540c\u4e8e\u4f20\u7edf\u79d1\u666e\u6a21\u5f0f\uff0c\u79d1\u666e\u6d3b\u52a8\u5c06\u521b\u65b0\u6027\u5730\u91c7\u7528&#8221;\u96f6\u552e\u836f\u5e08+\u5fc3\u8840\u7ba1\u79d1\u533b\u751f&#8221;\u7684\u53cc\u4e13\u4e1a\u642d\u914d\u6a21\u5f0f\uff0c\u786e\u4fdd\u79d1\u666e\u5185\u5bb9\u7684\u4e13\u4e1a\u6027\u548c\u5b9e\u7528\u6027\u3002\u8bdd\u9898\u8bbe\u8ba1\u56f4\u7ed5\u516c\u4f17\u6700\u5173\u5fc3\u7684\u5fc3\u8840\u7ba1\u5065\u5eb7\u95ee\u9898\u5c55\u5f00\uff0c\u7ed3\u5408\u4e34\u5e8a\u6848\u4f8b\u548c\u7528\u836f\u5e38\u8bc6\uff0c\u5c06\u590d\u6742\u7684\u533b\u5b66\u77e5\u8bc6\u8f6c\u5316\u4e3a\u901a\u4fd7\u6613\u61c2\u7684\u5185\u5bb9\uff0c\u5e2e\u52a9\u60a3\u8005\u66f4\u597d\u5730\u7406\u89e3\u5e76\u5e94\u7528\u5230\u6162\u75c5\u957f\u671f\u7ba1\u7406\u4e2d\u3002<\/p>\n<p>\n                  \u591a\u65b9\u534f\u540c\u53d1\u529b\uff0c\u4ee5\u4e13\u4e1a\u79d1\u666e\u8df5\u884c&#8221;\u5065\u5eb7\u4e2d\u56fd&#8221;\u4f7f\u547d\n                <\/p>\n<p>\u8bfa\u534e\u516c\u53f8\u4e2d\u56fd\u533a\u526f\u603b\u88c1\uff0c\u96f6\u552e\u3001\u65b0\u5174\u5e02\u573a\u53ca\u5546\u52a1\u90e8\u8d1f\u8d23\u4eba\u9648\u6656\u5148\u751f\u8868\u793a\uff1a&#8221;\u8bfa\u534e\u516c\u53f8\u59cb\u7ec8\u4ee5\u2018\u521b\u60f3\u533b\u836f\u672a\u6765&#8217;\u4e3a\u4f7f\u547d\uff0c\u548c\u5168\u56fd\u9886\u5148\u7684\u8fde\u9501\u836f\u623f\u5efa\u7acb\u6df1\u5ea6\u6218\u7565\u5408\u4f5c\uff0c\u5171\u540c\u6253\u9020\u4ee5\u836f\u5e08\u4e3a\u6838\u5fc3\u7684\u6162\u75c5\u7ba1\u7406\u670d\u52a1\u6a21\u578b\uff0c\u63a8\u52a8\u836f\u5e08\u89d2\u8272\u4ece\u2018\u914d\u836f\u8005&#8217;\u5411\u2018\u5065\u5eb7\u5b88\u95e8\u4eba&#8217;\u7684\u8f6c\u578b\u3002\u6b64\u6b21\u4e0e\u4e2d\u56fd\u533b\u836f\u5546\u4e1a\u534f\u4f1a\u5408\u4f5c\u5021\u8bae\u7684\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\u666e\uff0c\u6b63\u662f\u8bfa\u534e\u516c\u53f8\u2018\u4ef7\u503c\u96f6\u552e&#8217;\u7406\u5ff5\u7684\u5ef6\u4f38\uff0c\u6211\u4eec\u5e0c\u671b\u6bcf\u4e00\u4f4d\u8d70\u8fdb\u836f\u5e97\u7684\u516c\u4f17\u90fd\u80fd\u83b7\u5f97\u6743\u5a01\u7684\u5fc3\u8840\u7ba1\u5065\u5eb7\u6307\u5bfc\uff0c\u4ece\u2018\u88ab\u52a8\u6cbb\u7597&#8217;\u8f6c\u5411\u2018\u4e3b\u52a8\u9884\u9632&#8217;\u3002<\/p>\n<div class=\"PRN_ImbeddedAssetReference\">\n<p>\n                    <a href=\"https:\/\/mma.prnewswire.com\/media\/2815950\/image_3.html\" target=\"_blank\" rel=\"noopener\"><\/a><\/p>\n<p>                    \n                  <\/p>\n<\/div>\n<p>\u4f5c\u4e3a\u836f\u54c1\u96f6\u552e\u7aef\u4ee3\u8868\uff0c\u56fd\u836f\u63a7\u80a1\u80a1\u4efd\u6709\u9650\u516c\u53f8\u526f\u603b\u88c1\u3001\u8463\u4e8b\u4f1a\u79d8\u4e66\uff0c\u56fd\u836f\u63a7\u80a1\u56fd\u5927\u836f\u623f\u6709\u9650\u516c\u53f8\u515a\u59d4\u4e66\u8bb0\u3001\u8463\u4e8b\u957f\u5434\u58f9\u5efa\u5148\u751f\u4e5f\u5728\u6d3b\u52a8\u4e2d\u8868\u793a\uff1a\u56fd\u836f\u63a7\u80a1\u4f5c\u4e3a\u8bfa\u534e\u516c\u53f8\u96f6\u552e\u56e2\u961f\u7d27\u5bc6\u7684\u5408\u4f5c\u4f19\u4f34\uff0c\u4e00\u76f4\u81f4\u529b\u4e8e\u643a\u624b\u4e3a\u4e2d\u56fd\u60a3\u8005\u63d0\u4f9b\u66f4\u4f18\u8d28\u66f4\u4e13\u4e1a\u7684\u836f\u4e8b\u670d\u52a1\uff0c\u6211\u4eec\u76f8\u4fe1\u79ef\u6781\u54cd\u5e94\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u836f\u5e08\u79d1\u666e\u5021\u8bae\uff0c\u80fd\u591f\u771f\u6b63\u5e2e\u52a9\u836f\u5e97\u548c\u836f\u5e08\u6210\u4e3a\u516c\u4f17\u5065\u5eb7\u670d\u52a1\u7684\u6838\u5fc3\u4e4b\u4e00\uff0c\u4e3a\u56fd\u6c11\u5fc3\u8840\u7ba1\u5065\u5eb7\u8d21\u732e&#8221;\u79d1\u666e&#8221;\u529b\u91cf\uff01<\/p>\n<p>\u77f3\u4f1a\u957f\u540c\u65f6\u6307\u51fa\uff0c\u6b64\u6b21\u79d1\u666e\u6d3b\u52a8\u5021\u8bae\u4e0e\u6b64\u524d\u542f\u52a8\u7684\u300a\u4ef7\u503c\u96f6\u552e\u4e13\u4e1a\u836f\u5e08\u8ba4\u8bc1\u6807\u51c6\u300b\u5c06\u5f62\u6210&#8221;\u80fd\u529b\u63d0\u5347+\u79d1\u666e\u5b9e\u8df5&#8221;\u7684\u4e92\u8865\u5173\u7cfb\uff0c&#8221;\u8ba4\u8bc1\u6807\u51c6\u9879\u76ee\u4e3a\u836f\u5e08\u660e\u786e\u4e86\u4e13\u4e1a\u80fd\u529b\u7684\u53d1\u5c55\u65b9\u5411\uff0c\u800c\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u5219\u4e3a\u836f\u5e08\u63d0\u4f9b\u4e86\u5b9e\u8df5\u5e73\u53f0\u3002\u4e24\u8005\u7ed3\u5408\u5c06\u63a8\u52a8\u96f6\u552e\u836f\u5e97\u836f\u5e08\u4ece\u2018\u836f\u54c1\u63d0\u4f9b\u8005&#8217;\u5411\u2018\u5065\u5eb7\u7ba1\u7406\u8005&#8217;\u7684\u8f6c\u578b\uff0c\u5145\u5206\u53d1\u6325\u836f\u5e97\u5728\u6162\u75c5\u7ba1\u7406\u4e2d\u7684\u8865\u5145\u4f5c\u7528\u3002&#8221;<\/p>\n<div>\n<p class=\"prnml4\">\n                          <span class=\"prnews_span\">[1]\u00a0\u56fd\u5bb6\u5fc3\u8840\u7ba1\u75c5\u4e2d\u5fc3\u3002\u4e2d\u56fd\u5fc3\u8840\u7ba1\u5065\u5eb7\u4e0e\u75be\u75c5\u62a5\u544a\u00a02024 \u6982\u8981\u00a0[J]. \u4e2d\u56fd\u5faa\u73af\u6742\u5fd7\uff0c2025, 40 (6): 521-559. DOI: 10.3969\/j.issn.1000-3614.2025.06.001<\/span>\n                        <\/p>\n<\/div>\n<p>###<\/p>\n<p>                  \u672c\u8d44\u6599\u7684\u76ee\u7684\u5728\u4e8e\u4f20\u9012\u533b\u836f\u524d\u6cbf\u4fe1\u606f\u548c\u7814\u7a76\u8fdb\u5c55\uff0c\u975e\u5e7f\u544a\u7528\u9014\u3002\u672c\u8d44\u6599\u4e2d\u6d89\u53ca\u7684\u4fe1\u606f\u4ec5\u4f9b\u53c2\u8003\uff0c\u8bf7\u9075\u4ece\u533b\u751f\u6216\u5176\u4ed6\u533b\u7597\u536b\u751f\u4e13\u4e1a\u4eba\u58eb\u7684\u610f\u89c1\u6216\u6307\u5bfc\u3002<\/p>\n<p>\n                  \u5173\u4e8e\u8bfa\u534e\n                <\/p>\n<p>\u8bfa\u534e\u662f\u4e00\u5bb6\u521b\u65b0\u836f\u7269\u516c\u53f8\u3002\u6211\u4eec\u65f6\u523b\u52aa\u529b\uff0c\u521b\u60f3\u533b\u836f\u672a\u6765\uff0c\u6539\u5584\u4eba\u4eec\u751f\u6d3b\u8d28\u91cf\uff0c\u5ef6\u957f\u4eba\u7c7b\u5bff\u547d\uff0c\u4ece\u800c\u5728\u60a3\u8005\u3001\u533b\u7597\u4e13\u4e1a\u4eba\u58eb\u548c\u793e\u4f1a\u9762\u5bf9\u4e25\u91cd\u75be\u75c5\u6311\u6218\u65f6\u4e3a\u5176\u8d4b\u80fd\u30022024\u5e74\uff0c\u6211\u4eec\u7684\u836f\u7269\u60e0\u53ca\u5168\u7403\u8fd13\u4ebf\u4eba\u3002<\/p>\n<p>\n                  \u5173\u4e8e\u8bfa\u534e\u4e2d\u56fd\n                <\/p>\n<p>\u8bfa\u534e\u662f\u4e00\u5bb6\u521b\u65b0\u836f\u7269\u516c\u53f8\uff0c\u516c\u53f8\u4e2d\u6587\u540d\u53d6\u610f&#8221;\u627f\u8bfa\u4e2d\u534e&#8221;\uff0c\u5373\u901a\u8fc7\u4e0d\u65ad\u521b\u65b0\u7684\u4ea7\u54c1\u548c\u670d\u52a1\uff0c\u63d0\u9ad8\u4e2d\u56fd\u4eba\u6c11\u7684\u5065\u5eb7\u6c34\u5e73\u548c\u751f\u6d3b\u8d28\u91cf\u3002\u81ea1987\u5e74\u4ee5\u6765\uff0c\u8bfa\u534e\u5df2\u6709\u8d85\u8fc7100\u6b3e\u521b\u65b0\u836f\u7269\u53ca\u65b0\u9002\u5e94\u75c7\u5728\u534e\u83b7\u6279\u3002\u5982\u9700\u66f4\u591a\u4fe1\u606f\uff0c\u656c\u8bf7\u8bbf\u95ee\u8bfa\u534e\u4e2d\u6587\u7f51\u7ad9\uff1a<a href=\"http:\/\/www.novartis.com.cn\/\" target=\"_blank\" rel=\"noopener\">http:\/\/www.novartis.com.cn<\/a>\u3002<\/p>\n<p>\u00a0<\/p>\n<div class=\"PRN_ImbeddedAssetReference\"><\/div>\n<p>SOURCE \u8bfa\u534e\u4e2d\u56fd<\/p>","protected":false},"excerpt":{"rendered":"<p>\u8d21\u732e\u836f\u5e08\u79d1\u666e\u529b\u91cf\uff0c\u7b51\u5b88\u56fd\u6c11\u5fc3\u8840\u7ba1\u5065\u5eb7\u9632\u7ebf \u4e0a\u6d77 2025\u5e7411\u67086\u65e5 \/\u7f8e\u901a\u793e\/ &#8212; \u7531\u4e2d\u56fd\u533b\u836f\u5546\u4e1a\u534f\u4f1a\u548c\u8bfa\u534e\u516c\u53f8\u5171\u540c\u53d1\u8d77\u836f\u5e97\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\u666e\u6d3b\u52a8\u7684\u5021\u8bae\uff0c\u6d3b\u52a8\u5728\u7b2c\u516b\u5c4a\u4e2d\u56fd\u56fd\u9645\u8fdb\u53e3\u535a\u89c8\u4f1a\u8bfa\u534e\u516c\u53f8\u5c55\u53f0\u4e3e\u884c\u3002\u5021\u8bae\u5185\u5bb9\u805a\u7126\u6211\u56fd\u4e25\u5cfb\u7684\u5fc3\u8840\u7ba1\u75be\u75c5\u9632\u63a7\u5f62\u52bf\uff0c\u65e8\u5728\u901a\u8fc7\u4e13\u4e1a\u3001\u53ef\u6301\u7eed\u7684\u5065\u5eb7\u79d1\u666e\u5185\u5bb9\uff0c\u6253\u901a\u5fc3\u8840\u7ba1\u5065\u5eb7\u77e5\u8bc6\u4f20\u9012\u7684 &#8220;\u6700\u540e\u4e00\u516c\u91cc&#8221;\uff0c\u4e3a\u516c\u4f17\u63d0\u4f9b\u6743\u5a01\u7684\u75be\u75c5\u8ba4\u77e5\u4e0e\u7528\u836f\u6307\u5bfc\uff0c\u52a9\u529b&#8221;\u5065\u5eb7\u4e2d\u56fd 2030&#8243;\u89c4\u5212\u4e2d\u6162\u6027\u75c5\u9632\u63a7\u76ee\u6807\u7684\u5b9e\u73b0\u3002 \u5fc3\u8840\u7ba1\u9632\u63a7\u523b\u4e0d\u5bb9\u7f13\uff0c\u79d1\u666e\u6216\u6210\u5173\u952e\u7a81\u7834\u53e3 \u636e\u300a\u4e2d\u56fd\u5fc3\u8840\u7ba1\u5065\u5eb7\u4e0e\u75be\u75c5\u62a5\u544a2024\u6982\u8981\u300b\u6570\u636e[1]\u663e\u793a\uff0c\u6211\u56fd\u5fc3\u8840\u7ba1\u75be\u75c5\u60a3\u8005\u6570\u91cf\u5df2\u8fbe\u00a03.3 \u4ebf\u4eba\uff0c\u9ad8\u8840\u538b\u63a7\u5236\u7387\u4ec5\u4e3a\u00a015.3%\uff0c\u9ad8\u8840\u8102\u63a7\u5236\u7387\u4e0d\u8db3\u00a05%\uff084.8%\uff09\uff0c\u516c\u4f17\u5bf9\u5fc3\u8840\u7ba1\u75be\u75c5\u7684\u8ba4\u77e5\u4e0d\u8db3\u3001\u7528\u836f\u4f9d\u4ece\u6027\u4f4e\u7b49\u95ee\u9898\uff0c\u6210\u4e3a\u5236\u7ea6\u9632\u63a7\u6548\u679c\u7684\u91cd\u8981\u56e0\u7d20\u3002 &#8220;\u96f6\u552e\u836f\u5e97\u4f5c\u4e3a\u57fa\u5c42\u5065\u5eb7\u670d\u52a1\u7684\u91cd\u8981\u7ec8\u7aef\uff0c\u5e73\u5747\u6bcf\u5bb6\u836f\u5e97\u8986\u76d6\u7ea6\u4e09\u5343\u540d\u9644\u8fd1\u5c45\u6c11\uff0c\u662f\u516c\u4f17\u83b7\u53d6\u5065\u5eb7\u670d\u52a1\u6700\u4fbf\u6377\u7684\u573a\u666f\u4e4b\u4e00\u3002&#8221;\u4e2d\u56fd\u533b\u836f\u5546\u4e1a\u534f\u4f1a\u4f1a\u957f\u77f3\u665f\u6021\u5973\u58eb\u5728\u542f\u52a8\u4eea\u5f0f\u4e0a\u8868\u793a\uff0c&#8221;\u836f\u5e08\u4f5c\u4e3a\u5065\u5eb7\u670d\u52a1\u7684\u6838\u5fc3\u529b\u91cf\uff0c\u4e0d\u4ec5\u627f\u62c5\u7740\u7528\u836f\u6307\u5bfc\u7684\u804c\u8d23\uff0c\u8fd8\u53ef\u4ee5\u6210\u4e3a\u5fc3\u8840\u7ba1\u5065\u5eb7\u79d1\u666e\u7684 \u2018\u4e00\u7ebf\u5ba3\u4f20\u5458&#8217;\u3002\u76ee\u524d\uff0c\u90e8\u5206\u836f\u5e08\u5728\u5fc3\u8840\u7ba1\u75be\u75c5\u77e5\u8bc6\u50a8\u5907\u53ca\u79d1\u666e\u8868\u8fbe\u80fd\u529b\u4e0a\u4ecd\u6709\u8f83\u5927\u7684\u63d0\u5347\u7a7a\u95f4\uff0c\u4e9f\u9700\u7cfb\u7edf\u5316\u7684\u79d1\u666e\u6307\u5bfc\u4e0e\u652f\u6301\u3002&#8221;\u8fd9\u4e5f\u6b63\u662f\u53d1\u8d77\u5fc3\u8840\u7ba1\u836f\u5e08\u79d1\u666e\u5021\u8bae\u7684\u6838\u5fc3\u80cc\u666f\u3002 \u4e0d\u540c\u4e8e\u4f20\u7edf\u79d1\u666e\u6a21\u5f0f\uff0c\u79d1\u666e\u6d3b\u52a8\u5c06\u521b\u65b0\u6027\u5730\u91c7\u7528&#8221;\u96f6\u552e\u836f\u5e08+\u5fc3\u8840\u7ba1\u79d1\u533b\u751f&#8221;\u7684\u53cc\u4e13\u4e1a\u642d\u914d\u6a21\u5f0f\uff0c\u786e\u4fdd\u79d1\u666e\u5185\u5bb9\u7684\u4e13\u4e1a\u6027\u548c\u5b9e\u7528\u6027\u3002\u8bdd\u9898\u8bbe\u8ba1\u56f4\u7ed5\u516c\u4f17\u6700\u5173\u5fc3\u7684\u5fc3\u8840\u7ba1\u5065\u5eb7\u95ee\u9898\u5c55\u5f00\uff0c\u7ed3\u5408\u4e34\u5e8a\u6848\u4f8b\u548c\u7528\u836f\u5e38\u8bc6\uff0c\u5c06\u590d\u6742\u7684\u533b\u5b66\u77e5\u8bc6\u8f6c\u5316\u4e3a\u901a\u4fd7\u6613\u61c2\u7684\u5185\u5bb9\uff0c\u5e2e\u52a9\u60a3\u8005\u66f4\u597d\u5730\u7406\u89e3\u5e76\u5e94\u7528\u5230\u6162\u75c5\u957f\u671f\u7ba1\u7406\u4e2d\u3002 \u591a\u65b9\u534f\u540c\u53d1\u529b\uff0c\u4ee5\u4e13\u4e1a\u79d1\u666e\u8df5\u884c&#8221;\u5065\u5eb7\u4e2d\u56fd&#8221;\u4f7f\u547d \u8bfa\u534e\u516c\u53f8\u4e2d\u56fd\u533a\u526f\u603b\u88c1\uff0c\u96f6\u552e\u3001\u65b0\u5174\u5e02\u573a\u53ca\u5546\u52a1\u90e8\u8d1f\u8d23\u4eba\u9648\u6656\u5148\u751f\u8868\u793a\uff1a&#8221;\u8bfa\u534e\u516c\u53f8\u59cb\u7ec8\u4ee5\u2018\u521b\u60f3\u533b\u836f\u672a\u6765&#8217;\u4e3a\u4f7f\u547d\uff0c\u548c\u5168\u56fd\u9886\u5148\u7684\u8fde\u9501\u836f\u623f\u5efa\u7acb\u6df1\u5ea6\u6218\u7565\u5408\u4f5c\uff0c\u5171\u540c\u6253\u9020\u4ee5\u836f\u5e08\u4e3a\u6838\u5fc3\u7684\u6162\u75c5\u7ba1\u7406\u670d\u52a1\u6a21\u578b\uff0c\u63a8\u52a8\u836f\u5e08\u89d2\u8272\u4ece\u2018\u914d\u836f\u8005&#8217;\u5411\u2018\u5065\u5eb7\u5b88\u95e8\u4eba&#8217;\u7684\u8f6c\u578b\u3002\u6b64\u6b21\u4e0e\u4e2d\u56fd\u533b\u836f\u5546\u4e1a\u534f\u4f1a\u5408\u4f5c\u5021\u8bae\u7684\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\u666e\uff0c\u6b63\u662f\u8bfa\u534e\u516c\u53f8\u2018\u4ef7\u503c\u96f6\u552e&#8217;\u7406\u5ff5\u7684\u5ef6\u4f38\uff0c\u6211\u4eec\u5e0c\u671b\u6bcf\u4e00\u4f4d\u8d70\u8fdb\u836f\u5e97\u7684\u516c\u4f17\u90fd\u80fd\u83b7\u5f97\u6743\u5a01\u7684\u5fc3\u8840\u7ba1\u5065\u5eb7\u6307\u5bfc\uff0c\u4ece\u2018\u88ab\u52a8\u6cbb\u7597&#8217;\u8f6c\u5411\u2018\u4e3b\u52a8\u9884\u9632&#8217;\u3002 \u4f5c\u4e3a\u836f\u54c1\u96f6\u552e\u7aef\u4ee3\u8868\uff0c\u56fd\u836f\u63a7\u80a1\u80a1\u4efd\u6709\u9650\u516c\u53f8\u526f\u603b\u88c1\u3001\u8463\u4e8b\u4f1a\u79d8\u4e66\uff0c\u56fd\u836f\u63a7\u80a1\u56fd\u5927\u836f\u623f\u6709\u9650\u516c\u53f8\u515a\u59d4\u4e66\u8bb0\u3001\u8463\u4e8b\u957f\u5434\u58f9\u5efa\u5148\u751f\u4e5f\u5728\u6d3b\u52a8\u4e2d\u8868\u793a\uff1a\u56fd\u836f\u63a7\u80a1\u4f5c\u4e3a\u8bfa\u534e\u516c\u53f8\u96f6\u552e\u56e2\u961f\u7d27\u5bc6\u7684\u5408\u4f5c\u4f19\u4f34\uff0c\u4e00\u76f4\u81f4\u529b\u4e8e\u643a\u624b\u4e3a\u4e2d\u56fd\u60a3\u8005\u63d0\u4f9b\u66f4\u4f18\u8d28\u66f4\u4e13\u4e1a\u7684\u836f\u4e8b\u670d\u52a1\uff0c\u6211\u4eec\u76f8\u4fe1\u79ef\u6781\u54cd\u5e94\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u836f\u5e08\u79d1\u666e\u5021\u8bae\uff0c\u80fd\u591f\u771f\u6b63\u5e2e\u52a9\u836f\u5e97\u548c\u836f\u5e08\u6210\u4e3a\u516c\u4f17\u5065\u5eb7\u670d\u52a1\u7684\u6838\u5fc3\u4e4b\u4e00\uff0c\u4e3a\u56fd\u6c11\u5fc3\u8840\u7ba1\u5065\u5eb7\u8d21\u732e&#8221;\u79d1\u666e&#8221;\u529b\u91cf\uff01 \u77f3\u4f1a\u957f\u540c\u65f6\u6307\u51fa\uff0c\u6b64\u6b21\u79d1\u666e\u6d3b\u52a8\u5021\u8bae\u4e0e\u6b64\u524d\u542f\u52a8\u7684\u300a\u4ef7\u503c\u96f6\u552e\u4e13\u4e1a\u836f\u5e08\u8ba4\u8bc1\u6807\u51c6\u300b\u5c06\u5f62\u6210&#8221;\u80fd\u529b\u63d0\u5347+\u79d1\u666e\u5b9e\u8df5&#8221;\u7684\u4e92\u8865\u5173\u7cfb\uff0c&#8221;\u8ba4\u8bc1\u6807\u51c6\u9879\u76ee\u4e3a\u836f\u5e08\u660e\u786e\u4e86\u4e13\u4e1a\u80fd\u529b\u7684\u53d1\u5c55\u65b9\u5411\uff0c\u800c\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u5219\u4e3a\u836f\u5e08\u63d0\u4f9b\u4e86\u5b9e\u8df5\u5e73\u53f0\u3002\u4e24\u8005\u7ed3\u5408\u5c06\u63a8\u52a8\u96f6\u552e\u836f\u5e97\u836f\u5e08\u4ece\u2018\u836f\u54c1\u63d0\u4f9b\u8005&#8217;\u5411\u2018\u5065\u5eb7\u7ba1\u7406\u8005&#8217;\u7684\u8f6c\u578b\uff0c\u5145\u5206\u53d1\u6325\u836f\u5e97\u5728\u6162\u75c5\u7ba1\u7406\u4e2d\u7684\u8865\u5145\u4f5c\u7528\u3002&#8221; [1]\u00a0\u56fd\u5bb6\u5fc3\u8840\u7ba1\u75c5\u4e2d\u5fc3\u3002\u4e2d\u56fd\u5fc3\u8840\u7ba1\u5065\u5eb7\u4e0e\u75be\u75c5\u62a5\u544a\u00a02024 \u6982\u8981\u00a0[J]. \u4e2d\u56fd\u5faa\u73af\u6742\u5fd7\uff0c2025, 40 (6): 521-559. DOI: 10.3969\/j.issn.1000-3614.2025.06.001 ### \u672c\u8d44\u6599\u7684\u76ee\u7684\u5728\u4e8e\u4f20\u9012\u533b\u836f\u524d\u6cbf\u4fe1\u606f\u548c\u7814\u7a76\u8fdb\u5c55\uff0c\u975e\u5e7f\u544a\u7528\u9014\u3002\u672c\u8d44\u6599\u4e2d\u6d89\u53ca\u7684\u4fe1\u606f\u4ec5\u4f9b\u53c2\u8003\uff0c\u8bf7\u9075\u4ece\u533b\u751f\u6216\u5176\u4ed6\u533b\u7597\u536b\u751f\u4e13\u4e1a\u4eba\u58eb\u7684\u610f\u89c1\u6216\u6307\u5bfc\u3002 \u5173\u4e8e\u8bfa\u534e \u8bfa\u534e\u662f\u4e00\u5bb6\u521b\u65b0\u836f\u7269\u516c\u53f8\u3002\u6211\u4eec\u65f6\u523b\u52aa\u529b\uff0c\u521b\u60f3\u533b\u836f\u672a\u6765\uff0c\u6539\u5584\u4eba\u4eec\u751f\u6d3b\u8d28\u91cf\uff0c\u5ef6\u957f\u4eba\u7c7b\u5bff\u547d\uff0c\u4ece\u800c\u5728\u60a3\u8005\u3001\u533b\u7597\u4e13\u4e1a\u4eba\u58eb\u548c\u793e\u4f1a\u9762\u5bf9\u4e25\u91cd\u75be\u75c5\u6311\u6218\u65f6\u4e3a\u5176\u8d4b\u80fd\u30022024\u5e74\uff0c\u6211\u4eec\u7684\u836f\u7269\u60e0\u53ca\u5168\u7403\u8fd13\u4ebf\u4eba\u3002 \u5173\u4e8e\u8bfa\u534e\u4e2d\u56fd \u8bfa\u534e\u662f\u4e00\u5bb6\u521b\u65b0\u836f\u7269\u516c\u53f8\uff0c\u516c\u53f8\u4e2d\u6587\u540d\u53d6\u610f&#8221;\u627f\u8bfa\u4e2d\u534e&#8221;\uff0c\u5373\u901a\u8fc7\u4e0d\u65ad\u521b\u65b0\u7684\u4ea7\u54c1\u548c\u670d\u52a1\uff0c\u63d0\u9ad8\u4e2d\u56fd\u4eba\u6c11\u7684\u5065\u5eb7\u6c34\u5e73\u548c\u751f\u6d3b\u8d28\u91cf\u3002\u81ea1987\u5e74\u4ee5\u6765\uff0c\u8bfa\u534e\u5df2\u6709\u8d85\u8fc7100\u6b3e\u521b\u65b0\u836f\u7269\u53ca\u65b0\u9002\u5e94\u75c7\u5728\u534e\u83b7\u6279\u3002\u5982\u9700\u66f4\u591a\u4fe1\u606f\uff0c\u656c\u8bf7\u8bbf\u95ee\u8bfa\u534e\u4e2d\u6587\u7f51\u7ad9\uff1ahttp:\/\/www.novartis.com.cn\u3002 \u00a0 SOURCE \u8bfa\u534e\u4e2d\u56fd<\/p>\n","protected":false},"author":0,"featured_media":18085,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[],"class_list":["post-18084","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pr-newswire"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u8bfa\u534e\u4eae\u76f8\u7b2c\u516b\u5c4a\u8fdb\u535a\u4f1a\uff0c\u53d1\u8d77\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\u666e\u6d3b\u52a8 - Money Compass CN<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moneycompass.com.my\/cn\/\u8bfa\u534e\u4eae\u76f8\u7b2c\u516b\u5c4a\u8fdb\u535a\u4f1a\uff0c\u53d1\u8d77\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u8bfa\u534e\u4eae\u76f8\u7b2c\u516b\u5c4a\u8fdb\u535a\u4f1a\uff0c\u53d1\u8d77\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\u666e\u6d3b\u52a8 - Money Compass CN\" \/>\n<meta property=\"og:description\" content=\"\u8d21\u732e\u836f\u5e08\u79d1\u666e\u529b\u91cf\uff0c\u7b51\u5b88\u56fd\u6c11\u5fc3\u8840\u7ba1\u5065\u5eb7\u9632\u7ebf \u4e0a\u6d77 2025\u5e7411\u67086\u65e5 \/\u7f8e\u901a\u793e\/ &#8212; \u7531\u4e2d\u56fd\u533b\u836f\u5546\u4e1a\u534f\u4f1a\u548c\u8bfa\u534e\u516c\u53f8\u5171\u540c\u53d1\u8d77\u836f\u5e97\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\u666e\u6d3b\u52a8\u7684\u5021\u8bae\uff0c\u6d3b\u52a8\u5728\u7b2c\u516b\u5c4a\u4e2d\u56fd\u56fd\u9645\u8fdb\u53e3\u535a\u89c8\u4f1a\u8bfa\u534e\u516c\u53f8\u5c55\u53f0\u4e3e\u884c\u3002\u5021\u8bae\u5185\u5bb9\u805a\u7126\u6211\u56fd\u4e25\u5cfb\u7684\u5fc3\u8840\u7ba1\u75be\u75c5\u9632\u63a7\u5f62\u52bf\uff0c\u65e8\u5728\u901a\u8fc7\u4e13\u4e1a\u3001\u53ef\u6301\u7eed\u7684\u5065\u5eb7\u79d1\u666e\u5185\u5bb9\uff0c\u6253\u901a\u5fc3\u8840\u7ba1\u5065\u5eb7\u77e5\u8bc6\u4f20\u9012\u7684 &#8220;\u6700\u540e\u4e00\u516c\u91cc&#8221;\uff0c\u4e3a\u516c\u4f17\u63d0\u4f9b\u6743\u5a01\u7684\u75be\u75c5\u8ba4\u77e5\u4e0e\u7528\u836f\u6307\u5bfc\uff0c\u52a9\u529b&#8221;\u5065\u5eb7\u4e2d\u56fd 2030&#8243;\u89c4\u5212\u4e2d\u6162\u6027\u75c5\u9632\u63a7\u76ee\u6807\u7684\u5b9e\u73b0\u3002 \u5fc3\u8840\u7ba1\u9632\u63a7\u523b\u4e0d\u5bb9\u7f13\uff0c\u79d1\u666e\u6216\u6210\u5173\u952e\u7a81\u7834\u53e3 \u636e\u300a\u4e2d\u56fd\u5fc3\u8840\u7ba1\u5065\u5eb7\u4e0e\u75be\u75c5\u62a5\u544a2024\u6982\u8981\u300b\u6570\u636e[1]\u663e\u793a\uff0c\u6211\u56fd\u5fc3\u8840\u7ba1\u75be\u75c5\u60a3\u8005\u6570\u91cf\u5df2\u8fbe\u00a03.3 \u4ebf\u4eba\uff0c\u9ad8\u8840\u538b\u63a7\u5236\u7387\u4ec5\u4e3a\u00a015.3%\uff0c\u9ad8\u8840\u8102\u63a7\u5236\u7387\u4e0d\u8db3\u00a05%\uff084.8%\uff09\uff0c\u516c\u4f17\u5bf9\u5fc3\u8840\u7ba1\u75be\u75c5\u7684\u8ba4\u77e5\u4e0d\u8db3\u3001\u7528\u836f\u4f9d\u4ece\u6027\u4f4e\u7b49\u95ee\u9898\uff0c\u6210\u4e3a\u5236\u7ea6\u9632\u63a7\u6548\u679c\u7684\u91cd\u8981\u56e0\u7d20\u3002 &#8220;\u96f6\u552e\u836f\u5e97\u4f5c\u4e3a\u57fa\u5c42\u5065\u5eb7\u670d\u52a1\u7684\u91cd\u8981\u7ec8\u7aef\uff0c\u5e73\u5747\u6bcf\u5bb6\u836f\u5e97\u8986\u76d6\u7ea6\u4e09\u5343\u540d\u9644\u8fd1\u5c45\u6c11\uff0c\u662f\u516c\u4f17\u83b7\u53d6\u5065\u5eb7\u670d\u52a1\u6700\u4fbf\u6377\u7684\u573a\u666f\u4e4b\u4e00\u3002&#8221;\u4e2d\u56fd\u533b\u836f\u5546\u4e1a\u534f\u4f1a\u4f1a\u957f\u77f3\u665f\u6021\u5973\u58eb\u5728\u542f\u52a8\u4eea\u5f0f\u4e0a\u8868\u793a\uff0c&#8221;\u836f\u5e08\u4f5c\u4e3a\u5065\u5eb7\u670d\u52a1\u7684\u6838\u5fc3\u529b\u91cf\uff0c\u4e0d\u4ec5\u627f\u62c5\u7740\u7528\u836f\u6307\u5bfc\u7684\u804c\u8d23\uff0c\u8fd8\u53ef\u4ee5\u6210\u4e3a\u5fc3\u8840\u7ba1\u5065\u5eb7\u79d1\u666e\u7684 \u2018\u4e00\u7ebf\u5ba3\u4f20\u5458&#8217;\u3002\u76ee\u524d\uff0c\u90e8\u5206\u836f\u5e08\u5728\u5fc3\u8840\u7ba1\u75be\u75c5\u77e5\u8bc6\u50a8\u5907\u53ca\u79d1\u666e\u8868\u8fbe\u80fd\u529b\u4e0a\u4ecd\u6709\u8f83\u5927\u7684\u63d0\u5347\u7a7a\u95f4\uff0c\u4e9f\u9700\u7cfb\u7edf\u5316\u7684\u79d1\u666e\u6307\u5bfc\u4e0e\u652f\u6301\u3002&#8221;\u8fd9\u4e5f\u6b63\u662f\u53d1\u8d77\u5fc3\u8840\u7ba1\u836f\u5e08\u79d1\u666e\u5021\u8bae\u7684\u6838\u5fc3\u80cc\u666f\u3002 \u4e0d\u540c\u4e8e\u4f20\u7edf\u79d1\u666e\u6a21\u5f0f\uff0c\u79d1\u666e\u6d3b\u52a8\u5c06\u521b\u65b0\u6027\u5730\u91c7\u7528&#8221;\u96f6\u552e\u836f\u5e08+\u5fc3\u8840\u7ba1\u79d1\u533b\u751f&#8221;\u7684\u53cc\u4e13\u4e1a\u642d\u914d\u6a21\u5f0f\uff0c\u786e\u4fdd\u79d1\u666e\u5185\u5bb9\u7684\u4e13\u4e1a\u6027\u548c\u5b9e\u7528\u6027\u3002\u8bdd\u9898\u8bbe\u8ba1\u56f4\u7ed5\u516c\u4f17\u6700\u5173\u5fc3\u7684\u5fc3\u8840\u7ba1\u5065\u5eb7\u95ee\u9898\u5c55\u5f00\uff0c\u7ed3\u5408\u4e34\u5e8a\u6848\u4f8b\u548c\u7528\u836f\u5e38\u8bc6\uff0c\u5c06\u590d\u6742\u7684\u533b\u5b66\u77e5\u8bc6\u8f6c\u5316\u4e3a\u901a\u4fd7\u6613\u61c2\u7684\u5185\u5bb9\uff0c\u5e2e\u52a9\u60a3\u8005\u66f4\u597d\u5730\u7406\u89e3\u5e76\u5e94\u7528\u5230\u6162\u75c5\u957f\u671f\u7ba1\u7406\u4e2d\u3002 \u591a\u65b9\u534f\u540c\u53d1\u529b\uff0c\u4ee5\u4e13\u4e1a\u79d1\u666e\u8df5\u884c&#8221;\u5065\u5eb7\u4e2d\u56fd&#8221;\u4f7f\u547d \u8bfa\u534e\u516c\u53f8\u4e2d\u56fd\u533a\u526f\u603b\u88c1\uff0c\u96f6\u552e\u3001\u65b0\u5174\u5e02\u573a\u53ca\u5546\u52a1\u90e8\u8d1f\u8d23\u4eba\u9648\u6656\u5148\u751f\u8868\u793a\uff1a&#8221;\u8bfa\u534e\u516c\u53f8\u59cb\u7ec8\u4ee5\u2018\u521b\u60f3\u533b\u836f\u672a\u6765&#8217;\u4e3a\u4f7f\u547d\uff0c\u548c\u5168\u56fd\u9886\u5148\u7684\u8fde\u9501\u836f\u623f\u5efa\u7acb\u6df1\u5ea6\u6218\u7565\u5408\u4f5c\uff0c\u5171\u540c\u6253\u9020\u4ee5\u836f\u5e08\u4e3a\u6838\u5fc3\u7684\u6162\u75c5\u7ba1\u7406\u670d\u52a1\u6a21\u578b\uff0c\u63a8\u52a8\u836f\u5e08\u89d2\u8272\u4ece\u2018\u914d\u836f\u8005&#8217;\u5411\u2018\u5065\u5eb7\u5b88\u95e8\u4eba&#8217;\u7684\u8f6c\u578b\u3002\u6b64\u6b21\u4e0e\u4e2d\u56fd\u533b\u836f\u5546\u4e1a\u534f\u4f1a\u5408\u4f5c\u5021\u8bae\u7684\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\u666e\uff0c\u6b63\u662f\u8bfa\u534e\u516c\u53f8\u2018\u4ef7\u503c\u96f6\u552e&#8217;\u7406\u5ff5\u7684\u5ef6\u4f38\uff0c\u6211\u4eec\u5e0c\u671b\u6bcf\u4e00\u4f4d\u8d70\u8fdb\u836f\u5e97\u7684\u516c\u4f17\u90fd\u80fd\u83b7\u5f97\u6743\u5a01\u7684\u5fc3\u8840\u7ba1\u5065\u5eb7\u6307\u5bfc\uff0c\u4ece\u2018\u88ab\u52a8\u6cbb\u7597&#8217;\u8f6c\u5411\u2018\u4e3b\u52a8\u9884\u9632&#8217;\u3002 \u4f5c\u4e3a\u836f\u54c1\u96f6\u552e\u7aef\u4ee3\u8868\uff0c\u56fd\u836f\u63a7\u80a1\u80a1\u4efd\u6709\u9650\u516c\u53f8\u526f\u603b\u88c1\u3001\u8463\u4e8b\u4f1a\u79d8\u4e66\uff0c\u56fd\u836f\u63a7\u80a1\u56fd\u5927\u836f\u623f\u6709\u9650\u516c\u53f8\u515a\u59d4\u4e66\u8bb0\u3001\u8463\u4e8b\u957f\u5434\u58f9\u5efa\u5148\u751f\u4e5f\u5728\u6d3b\u52a8\u4e2d\u8868\u793a\uff1a\u56fd\u836f\u63a7\u80a1\u4f5c\u4e3a\u8bfa\u534e\u516c\u53f8\u96f6\u552e\u56e2\u961f\u7d27\u5bc6\u7684\u5408\u4f5c\u4f19\u4f34\uff0c\u4e00\u76f4\u81f4\u529b\u4e8e\u643a\u624b\u4e3a\u4e2d\u56fd\u60a3\u8005\u63d0\u4f9b\u66f4\u4f18\u8d28\u66f4\u4e13\u4e1a\u7684\u836f\u4e8b\u670d\u52a1\uff0c\u6211\u4eec\u76f8\u4fe1\u79ef\u6781\u54cd\u5e94\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u836f\u5e08\u79d1\u666e\u5021\u8bae\uff0c\u80fd\u591f\u771f\u6b63\u5e2e\u52a9\u836f\u5e97\u548c\u836f\u5e08\u6210\u4e3a\u516c\u4f17\u5065\u5eb7\u670d\u52a1\u7684\u6838\u5fc3\u4e4b\u4e00\uff0c\u4e3a\u56fd\u6c11\u5fc3\u8840\u7ba1\u5065\u5eb7\u8d21\u732e&#8221;\u79d1\u666e&#8221;\u529b\u91cf\uff01 \u77f3\u4f1a\u957f\u540c\u65f6\u6307\u51fa\uff0c\u6b64\u6b21\u79d1\u666e\u6d3b\u52a8\u5021\u8bae\u4e0e\u6b64\u524d\u542f\u52a8\u7684\u300a\u4ef7\u503c\u96f6\u552e\u4e13\u4e1a\u836f\u5e08\u8ba4\u8bc1\u6807\u51c6\u300b\u5c06\u5f62\u6210&#8221;\u80fd\u529b\u63d0\u5347+\u79d1\u666e\u5b9e\u8df5&#8221;\u7684\u4e92\u8865\u5173\u7cfb\uff0c&#8221;\u8ba4\u8bc1\u6807\u51c6\u9879\u76ee\u4e3a\u836f\u5e08\u660e\u786e\u4e86\u4e13\u4e1a\u80fd\u529b\u7684\u53d1\u5c55\u65b9\u5411\uff0c\u800c\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u5219\u4e3a\u836f\u5e08\u63d0\u4f9b\u4e86\u5b9e\u8df5\u5e73\u53f0\u3002\u4e24\u8005\u7ed3\u5408\u5c06\u63a8\u52a8\u96f6\u552e\u836f\u5e97\u836f\u5e08\u4ece\u2018\u836f\u54c1\u63d0\u4f9b\u8005&#8217;\u5411\u2018\u5065\u5eb7\u7ba1\u7406\u8005&#8217;\u7684\u8f6c\u578b\uff0c\u5145\u5206\u53d1\u6325\u836f\u5e97\u5728\u6162\u75c5\u7ba1\u7406\u4e2d\u7684\u8865\u5145\u4f5c\u7528\u3002&#8221; [1]\u00a0\u56fd\u5bb6\u5fc3\u8840\u7ba1\u75c5\u4e2d\u5fc3\u3002\u4e2d\u56fd\u5fc3\u8840\u7ba1\u5065\u5eb7\u4e0e\u75be\u75c5\u62a5\u544a\u00a02024 \u6982\u8981\u00a0[J]. \u4e2d\u56fd\u5faa\u73af\u6742\u5fd7\uff0c2025, 40 (6): 521-559. DOI: 10.3969\/j.issn.1000-3614.2025.06.001 ### \u672c\u8d44\u6599\u7684\u76ee\u7684\u5728\u4e8e\u4f20\u9012\u533b\u836f\u524d\u6cbf\u4fe1\u606f\u548c\u7814\u7a76\u8fdb\u5c55\uff0c\u975e\u5e7f\u544a\u7528\u9014\u3002\u672c\u8d44\u6599\u4e2d\u6d89\u53ca\u7684\u4fe1\u606f\u4ec5\u4f9b\u53c2\u8003\uff0c\u8bf7\u9075\u4ece\u533b\u751f\u6216\u5176\u4ed6\u533b\u7597\u536b\u751f\u4e13\u4e1a\u4eba\u58eb\u7684\u610f\u89c1\u6216\u6307\u5bfc\u3002 \u5173\u4e8e\u8bfa\u534e \u8bfa\u534e\u662f\u4e00\u5bb6\u521b\u65b0\u836f\u7269\u516c\u53f8\u3002\u6211\u4eec\u65f6\u523b\u52aa\u529b\uff0c\u521b\u60f3\u533b\u836f\u672a\u6765\uff0c\u6539\u5584\u4eba\u4eec\u751f\u6d3b\u8d28\u91cf\uff0c\u5ef6\u957f\u4eba\u7c7b\u5bff\u547d\uff0c\u4ece\u800c\u5728\u60a3\u8005\u3001\u533b\u7597\u4e13\u4e1a\u4eba\u58eb\u548c\u793e\u4f1a\u9762\u5bf9\u4e25\u91cd\u75be\u75c5\u6311\u6218\u65f6\u4e3a\u5176\u8d4b\u80fd\u30022024\u5e74\uff0c\u6211\u4eec\u7684\u836f\u7269\u60e0\u53ca\u5168\u7403\u8fd13\u4ebf\u4eba\u3002 \u5173\u4e8e\u8bfa\u534e\u4e2d\u56fd \u8bfa\u534e\u662f\u4e00\u5bb6\u521b\u65b0\u836f\u7269\u516c\u53f8\uff0c\u516c\u53f8\u4e2d\u6587\u540d\u53d6\u610f&#8221;\u627f\u8bfa\u4e2d\u534e&#8221;\uff0c\u5373\u901a\u8fc7\u4e0d\u65ad\u521b\u65b0\u7684\u4ea7\u54c1\u548c\u670d\u52a1\uff0c\u63d0\u9ad8\u4e2d\u56fd\u4eba\u6c11\u7684\u5065\u5eb7\u6c34\u5e73\u548c\u751f\u6d3b\u8d28\u91cf\u3002\u81ea1987\u5e74\u4ee5\u6765\uff0c\u8bfa\u534e\u5df2\u6709\u8d85\u8fc7100\u6b3e\u521b\u65b0\u836f\u7269\u53ca\u65b0\u9002\u5e94\u75c7\u5728\u534e\u83b7\u6279\u3002\u5982\u9700\u66f4\u591a\u4fe1\u606f\uff0c\u656c\u8bf7\u8bbf\u95ee\u8bfa\u534e\u4e2d\u6587\u7f51\u7ad9\uff1ahttp:\/\/www.novartis.com.cn\u3002 \u00a0 SOURCE \u8bfa\u534e\u4e2d\u56fd\" \/>\n<meta property=\"og:url\" content=\"https:\/\/moneycompass.com.my\/cn\/\u8bfa\u534e\u4eae\u76f8\u7b2c\u516b\u5c4a\u8fdb\u535a\u4f1a\uff0c\u53d1\u8d77\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\/\" \/>\n<meta property=\"og:site_name\" content=\"Money Compass CN\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-06T15:20:00+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e4%ba%ae%e7%9b%b8%e7%ac%ac%e5%85%ab%e5%b1%8a%e8%bf%9b%e5%8d%9a%e4%bc%9a%ef%bc%8c%e5%8f%91%e8%b5%b7%e3%80%8a%e5%bf%83%e8%a1%80%e7%ae%a1%e5%b0%8f%e8%af%be%e5%a0%82%e3%80%8b%e7%a7%91\/\",\"url\":\"https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e4%ba%ae%e7%9b%b8%e7%ac%ac%e5%85%ab%e5%b1%8a%e8%bf%9b%e5%8d%9a%e4%bc%9a%ef%bc%8c%e5%8f%91%e8%b5%b7%e3%80%8a%e5%bf%83%e8%a1%80%e7%ae%a1%e5%b0%8f%e8%af%be%e5%a0%82%e3%80%8b%e7%a7%91\/\",\"name\":\"\u8bfa\u534e\u4eae\u76f8\u7b2c\u516b\u5c4a\u8fdb\u535a\u4f1a\uff0c\u53d1\u8d77\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\u666e\u6d3b\u52a8 - Money Compass CN\",\"isPartOf\":{\"@id\":\"https:\/\/moneycompass.com.my\/cn\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e4%ba%ae%e7%9b%b8%e7%ac%ac%e5%85%ab%e5%b1%8a%e8%bf%9b%e5%8d%9a%e4%bc%9a%ef%bc%8c%e5%8f%91%e8%b5%b7%e3%80%8a%e5%bf%83%e8%a1%80%e7%ae%a1%e5%b0%8f%e8%af%be%e5%a0%82%e3%80%8b%e7%a7%91\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e4%ba%ae%e7%9b%b8%e7%ac%ac%e5%85%ab%e5%b1%8a%e8%bf%9b%e5%8d%9a%e4%bc%9a%ef%bc%8c%e5%8f%91%e8%b5%b7%e3%80%8a%e5%bf%83%e8%a1%80%e7%ae%a1%e5%b0%8f%e8%af%be%e5%a0%82%e3%80%8b%e7%a7%91\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2025\/11\/image_1-wbYQ2m.jpeg\",\"datePublished\":\"2025-11-06T15:20:00+00:00\",\"dateModified\":\"2025-11-06T15:20:00+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e4%ba%ae%e7%9b%b8%e7%ac%ac%e5%85%ab%e5%b1%8a%e8%bf%9b%e5%8d%9a%e4%bc%9a%ef%bc%8c%e5%8f%91%e8%b5%b7%e3%80%8a%e5%bf%83%e8%a1%80%e7%ae%a1%e5%b0%8f%e8%af%be%e5%a0%82%e3%80%8b%e7%a7%91\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e4%ba%ae%e7%9b%b8%e7%ac%ac%e5%85%ab%e5%b1%8a%e8%bf%9b%e5%8d%9a%e4%bc%9a%ef%bc%8c%e5%8f%91%e8%b5%b7%e3%80%8a%e5%bf%83%e8%a1%80%e7%ae%a1%e5%b0%8f%e8%af%be%e5%a0%82%e3%80%8b%e7%a7%91\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e4%ba%ae%e7%9b%b8%e7%ac%ac%e5%85%ab%e5%b1%8a%e8%bf%9b%e5%8d%9a%e4%bc%9a%ef%bc%8c%e5%8f%91%e8%b5%b7%e3%80%8a%e5%bf%83%e8%a1%80%e7%ae%a1%e5%b0%8f%e8%af%be%e5%a0%82%e3%80%8b%e7%a7%91\/#primaryimage\",\"url\":\"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2025\/11\/image_1-wbYQ2m.jpeg\",\"contentUrl\":\"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2025\/11\/image_1-wbYQ2m.jpeg\",\"width\":144,\"height\":96},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e4%ba%ae%e7%9b%b8%e7%ac%ac%e5%85%ab%e5%b1%8a%e8%bf%9b%e5%8d%9a%e4%bc%9a%ef%bc%8c%e5%8f%91%e8%b5%b7%e3%80%8a%e5%bf%83%e8%a1%80%e7%ae%a1%e5%b0%8f%e8%af%be%e5%a0%82%e3%80%8b%e7%a7%91\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/moneycompass.com.my\/cn\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u8bfa\u534e\u4eae\u76f8\u7b2c\u516b\u5c4a\u8fdb\u535a\u4f1a\uff0c\u53d1\u8d77\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\u666e\u6d3b\u52a8\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/moneycompass.com.my\/cn\/#website\",\"url\":\"https:\/\/moneycompass.com.my\/cn\/\",\"name\":\"Money Compass CN\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/moneycompass.com.my\/cn\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u8bfa\u534e\u4eae\u76f8\u7b2c\u516b\u5c4a\u8fdb\u535a\u4f1a\uff0c\u53d1\u8d77\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\u666e\u6d3b\u52a8 - Money Compass CN","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/moneycompass.com.my\/cn\/\u8bfa\u534e\u4eae\u76f8\u7b2c\u516b\u5c4a\u8fdb\u535a\u4f1a\uff0c\u53d1\u8d77\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\/","og_locale":"en_US","og_type":"article","og_title":"\u8bfa\u534e\u4eae\u76f8\u7b2c\u516b\u5c4a\u8fdb\u535a\u4f1a\uff0c\u53d1\u8d77\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\u666e\u6d3b\u52a8 - Money Compass CN","og_description":"\u8d21\u732e\u836f\u5e08\u79d1\u666e\u529b\u91cf\uff0c\u7b51\u5b88\u56fd\u6c11\u5fc3\u8840\u7ba1\u5065\u5eb7\u9632\u7ebf \u4e0a\u6d77 2025\u5e7411\u67086\u65e5 \/\u7f8e\u901a\u793e\/ &#8212; \u7531\u4e2d\u56fd\u533b\u836f\u5546\u4e1a\u534f\u4f1a\u548c\u8bfa\u534e\u516c\u53f8\u5171\u540c\u53d1\u8d77\u836f\u5e97\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\u666e\u6d3b\u52a8\u7684\u5021\u8bae\uff0c\u6d3b\u52a8\u5728\u7b2c\u516b\u5c4a\u4e2d\u56fd\u56fd\u9645\u8fdb\u53e3\u535a\u89c8\u4f1a\u8bfa\u534e\u516c\u53f8\u5c55\u53f0\u4e3e\u884c\u3002\u5021\u8bae\u5185\u5bb9\u805a\u7126\u6211\u56fd\u4e25\u5cfb\u7684\u5fc3\u8840\u7ba1\u75be\u75c5\u9632\u63a7\u5f62\u52bf\uff0c\u65e8\u5728\u901a\u8fc7\u4e13\u4e1a\u3001\u53ef\u6301\u7eed\u7684\u5065\u5eb7\u79d1\u666e\u5185\u5bb9\uff0c\u6253\u901a\u5fc3\u8840\u7ba1\u5065\u5eb7\u77e5\u8bc6\u4f20\u9012\u7684 &#8220;\u6700\u540e\u4e00\u516c\u91cc&#8221;\uff0c\u4e3a\u516c\u4f17\u63d0\u4f9b\u6743\u5a01\u7684\u75be\u75c5\u8ba4\u77e5\u4e0e\u7528\u836f\u6307\u5bfc\uff0c\u52a9\u529b&#8221;\u5065\u5eb7\u4e2d\u56fd 2030&#8243;\u89c4\u5212\u4e2d\u6162\u6027\u75c5\u9632\u63a7\u76ee\u6807\u7684\u5b9e\u73b0\u3002 \u5fc3\u8840\u7ba1\u9632\u63a7\u523b\u4e0d\u5bb9\u7f13\uff0c\u79d1\u666e\u6216\u6210\u5173\u952e\u7a81\u7834\u53e3 \u636e\u300a\u4e2d\u56fd\u5fc3\u8840\u7ba1\u5065\u5eb7\u4e0e\u75be\u75c5\u62a5\u544a2024\u6982\u8981\u300b\u6570\u636e[1]\u663e\u793a\uff0c\u6211\u56fd\u5fc3\u8840\u7ba1\u75be\u75c5\u60a3\u8005\u6570\u91cf\u5df2\u8fbe\u00a03.3 \u4ebf\u4eba\uff0c\u9ad8\u8840\u538b\u63a7\u5236\u7387\u4ec5\u4e3a\u00a015.3%\uff0c\u9ad8\u8840\u8102\u63a7\u5236\u7387\u4e0d\u8db3\u00a05%\uff084.8%\uff09\uff0c\u516c\u4f17\u5bf9\u5fc3\u8840\u7ba1\u75be\u75c5\u7684\u8ba4\u77e5\u4e0d\u8db3\u3001\u7528\u836f\u4f9d\u4ece\u6027\u4f4e\u7b49\u95ee\u9898\uff0c\u6210\u4e3a\u5236\u7ea6\u9632\u63a7\u6548\u679c\u7684\u91cd\u8981\u56e0\u7d20\u3002 &#8220;\u96f6\u552e\u836f\u5e97\u4f5c\u4e3a\u57fa\u5c42\u5065\u5eb7\u670d\u52a1\u7684\u91cd\u8981\u7ec8\u7aef\uff0c\u5e73\u5747\u6bcf\u5bb6\u836f\u5e97\u8986\u76d6\u7ea6\u4e09\u5343\u540d\u9644\u8fd1\u5c45\u6c11\uff0c\u662f\u516c\u4f17\u83b7\u53d6\u5065\u5eb7\u670d\u52a1\u6700\u4fbf\u6377\u7684\u573a\u666f\u4e4b\u4e00\u3002&#8221;\u4e2d\u56fd\u533b\u836f\u5546\u4e1a\u534f\u4f1a\u4f1a\u957f\u77f3\u665f\u6021\u5973\u58eb\u5728\u542f\u52a8\u4eea\u5f0f\u4e0a\u8868\u793a\uff0c&#8221;\u836f\u5e08\u4f5c\u4e3a\u5065\u5eb7\u670d\u52a1\u7684\u6838\u5fc3\u529b\u91cf\uff0c\u4e0d\u4ec5\u627f\u62c5\u7740\u7528\u836f\u6307\u5bfc\u7684\u804c\u8d23\uff0c\u8fd8\u53ef\u4ee5\u6210\u4e3a\u5fc3\u8840\u7ba1\u5065\u5eb7\u79d1\u666e\u7684 \u2018\u4e00\u7ebf\u5ba3\u4f20\u5458&#8217;\u3002\u76ee\u524d\uff0c\u90e8\u5206\u836f\u5e08\u5728\u5fc3\u8840\u7ba1\u75be\u75c5\u77e5\u8bc6\u50a8\u5907\u53ca\u79d1\u666e\u8868\u8fbe\u80fd\u529b\u4e0a\u4ecd\u6709\u8f83\u5927\u7684\u63d0\u5347\u7a7a\u95f4\uff0c\u4e9f\u9700\u7cfb\u7edf\u5316\u7684\u79d1\u666e\u6307\u5bfc\u4e0e\u652f\u6301\u3002&#8221;\u8fd9\u4e5f\u6b63\u662f\u53d1\u8d77\u5fc3\u8840\u7ba1\u836f\u5e08\u79d1\u666e\u5021\u8bae\u7684\u6838\u5fc3\u80cc\u666f\u3002 \u4e0d\u540c\u4e8e\u4f20\u7edf\u79d1\u666e\u6a21\u5f0f\uff0c\u79d1\u666e\u6d3b\u52a8\u5c06\u521b\u65b0\u6027\u5730\u91c7\u7528&#8221;\u96f6\u552e\u836f\u5e08+\u5fc3\u8840\u7ba1\u79d1\u533b\u751f&#8221;\u7684\u53cc\u4e13\u4e1a\u642d\u914d\u6a21\u5f0f\uff0c\u786e\u4fdd\u79d1\u666e\u5185\u5bb9\u7684\u4e13\u4e1a\u6027\u548c\u5b9e\u7528\u6027\u3002\u8bdd\u9898\u8bbe\u8ba1\u56f4\u7ed5\u516c\u4f17\u6700\u5173\u5fc3\u7684\u5fc3\u8840\u7ba1\u5065\u5eb7\u95ee\u9898\u5c55\u5f00\uff0c\u7ed3\u5408\u4e34\u5e8a\u6848\u4f8b\u548c\u7528\u836f\u5e38\u8bc6\uff0c\u5c06\u590d\u6742\u7684\u533b\u5b66\u77e5\u8bc6\u8f6c\u5316\u4e3a\u901a\u4fd7\u6613\u61c2\u7684\u5185\u5bb9\uff0c\u5e2e\u52a9\u60a3\u8005\u66f4\u597d\u5730\u7406\u89e3\u5e76\u5e94\u7528\u5230\u6162\u75c5\u957f\u671f\u7ba1\u7406\u4e2d\u3002 \u591a\u65b9\u534f\u540c\u53d1\u529b\uff0c\u4ee5\u4e13\u4e1a\u79d1\u666e\u8df5\u884c&#8221;\u5065\u5eb7\u4e2d\u56fd&#8221;\u4f7f\u547d \u8bfa\u534e\u516c\u53f8\u4e2d\u56fd\u533a\u526f\u603b\u88c1\uff0c\u96f6\u552e\u3001\u65b0\u5174\u5e02\u573a\u53ca\u5546\u52a1\u90e8\u8d1f\u8d23\u4eba\u9648\u6656\u5148\u751f\u8868\u793a\uff1a&#8221;\u8bfa\u534e\u516c\u53f8\u59cb\u7ec8\u4ee5\u2018\u521b\u60f3\u533b\u836f\u672a\u6765&#8217;\u4e3a\u4f7f\u547d\uff0c\u548c\u5168\u56fd\u9886\u5148\u7684\u8fde\u9501\u836f\u623f\u5efa\u7acb\u6df1\u5ea6\u6218\u7565\u5408\u4f5c\uff0c\u5171\u540c\u6253\u9020\u4ee5\u836f\u5e08\u4e3a\u6838\u5fc3\u7684\u6162\u75c5\u7ba1\u7406\u670d\u52a1\u6a21\u578b\uff0c\u63a8\u52a8\u836f\u5e08\u89d2\u8272\u4ece\u2018\u914d\u836f\u8005&#8217;\u5411\u2018\u5065\u5eb7\u5b88\u95e8\u4eba&#8217;\u7684\u8f6c\u578b\u3002\u6b64\u6b21\u4e0e\u4e2d\u56fd\u533b\u836f\u5546\u4e1a\u534f\u4f1a\u5408\u4f5c\u5021\u8bae\u7684\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\u666e\uff0c\u6b63\u662f\u8bfa\u534e\u516c\u53f8\u2018\u4ef7\u503c\u96f6\u552e&#8217;\u7406\u5ff5\u7684\u5ef6\u4f38\uff0c\u6211\u4eec\u5e0c\u671b\u6bcf\u4e00\u4f4d\u8d70\u8fdb\u836f\u5e97\u7684\u516c\u4f17\u90fd\u80fd\u83b7\u5f97\u6743\u5a01\u7684\u5fc3\u8840\u7ba1\u5065\u5eb7\u6307\u5bfc\uff0c\u4ece\u2018\u88ab\u52a8\u6cbb\u7597&#8217;\u8f6c\u5411\u2018\u4e3b\u52a8\u9884\u9632&#8217;\u3002 \u4f5c\u4e3a\u836f\u54c1\u96f6\u552e\u7aef\u4ee3\u8868\uff0c\u56fd\u836f\u63a7\u80a1\u80a1\u4efd\u6709\u9650\u516c\u53f8\u526f\u603b\u88c1\u3001\u8463\u4e8b\u4f1a\u79d8\u4e66\uff0c\u56fd\u836f\u63a7\u80a1\u56fd\u5927\u836f\u623f\u6709\u9650\u516c\u53f8\u515a\u59d4\u4e66\u8bb0\u3001\u8463\u4e8b\u957f\u5434\u58f9\u5efa\u5148\u751f\u4e5f\u5728\u6d3b\u52a8\u4e2d\u8868\u793a\uff1a\u56fd\u836f\u63a7\u80a1\u4f5c\u4e3a\u8bfa\u534e\u516c\u53f8\u96f6\u552e\u56e2\u961f\u7d27\u5bc6\u7684\u5408\u4f5c\u4f19\u4f34\uff0c\u4e00\u76f4\u81f4\u529b\u4e8e\u643a\u624b\u4e3a\u4e2d\u56fd\u60a3\u8005\u63d0\u4f9b\u66f4\u4f18\u8d28\u66f4\u4e13\u4e1a\u7684\u836f\u4e8b\u670d\u52a1\uff0c\u6211\u4eec\u76f8\u4fe1\u79ef\u6781\u54cd\u5e94\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u836f\u5e08\u79d1\u666e\u5021\u8bae\uff0c\u80fd\u591f\u771f\u6b63\u5e2e\u52a9\u836f\u5e97\u548c\u836f\u5e08\u6210\u4e3a\u516c\u4f17\u5065\u5eb7\u670d\u52a1\u7684\u6838\u5fc3\u4e4b\u4e00\uff0c\u4e3a\u56fd\u6c11\u5fc3\u8840\u7ba1\u5065\u5eb7\u8d21\u732e&#8221;\u79d1\u666e&#8221;\u529b\u91cf\uff01 \u77f3\u4f1a\u957f\u540c\u65f6\u6307\u51fa\uff0c\u6b64\u6b21\u79d1\u666e\u6d3b\u52a8\u5021\u8bae\u4e0e\u6b64\u524d\u542f\u52a8\u7684\u300a\u4ef7\u503c\u96f6\u552e\u4e13\u4e1a\u836f\u5e08\u8ba4\u8bc1\u6807\u51c6\u300b\u5c06\u5f62\u6210&#8221;\u80fd\u529b\u63d0\u5347+\u79d1\u666e\u5b9e\u8df5&#8221;\u7684\u4e92\u8865\u5173\u7cfb\uff0c&#8221;\u8ba4\u8bc1\u6807\u51c6\u9879\u76ee\u4e3a\u836f\u5e08\u660e\u786e\u4e86\u4e13\u4e1a\u80fd\u529b\u7684\u53d1\u5c55\u65b9\u5411\uff0c\u800c\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u5219\u4e3a\u836f\u5e08\u63d0\u4f9b\u4e86\u5b9e\u8df5\u5e73\u53f0\u3002\u4e24\u8005\u7ed3\u5408\u5c06\u63a8\u52a8\u96f6\u552e\u836f\u5e97\u836f\u5e08\u4ece\u2018\u836f\u54c1\u63d0\u4f9b\u8005&#8217;\u5411\u2018\u5065\u5eb7\u7ba1\u7406\u8005&#8217;\u7684\u8f6c\u578b\uff0c\u5145\u5206\u53d1\u6325\u836f\u5e97\u5728\u6162\u75c5\u7ba1\u7406\u4e2d\u7684\u8865\u5145\u4f5c\u7528\u3002&#8221; [1]\u00a0\u56fd\u5bb6\u5fc3\u8840\u7ba1\u75c5\u4e2d\u5fc3\u3002\u4e2d\u56fd\u5fc3\u8840\u7ba1\u5065\u5eb7\u4e0e\u75be\u75c5\u62a5\u544a\u00a02024 \u6982\u8981\u00a0[J]. \u4e2d\u56fd\u5faa\u73af\u6742\u5fd7\uff0c2025, 40 (6): 521-559. DOI: 10.3969\/j.issn.1000-3614.2025.06.001 ### \u672c\u8d44\u6599\u7684\u76ee\u7684\u5728\u4e8e\u4f20\u9012\u533b\u836f\u524d\u6cbf\u4fe1\u606f\u548c\u7814\u7a76\u8fdb\u5c55\uff0c\u975e\u5e7f\u544a\u7528\u9014\u3002\u672c\u8d44\u6599\u4e2d\u6d89\u53ca\u7684\u4fe1\u606f\u4ec5\u4f9b\u53c2\u8003\uff0c\u8bf7\u9075\u4ece\u533b\u751f\u6216\u5176\u4ed6\u533b\u7597\u536b\u751f\u4e13\u4e1a\u4eba\u58eb\u7684\u610f\u89c1\u6216\u6307\u5bfc\u3002 \u5173\u4e8e\u8bfa\u534e \u8bfa\u534e\u662f\u4e00\u5bb6\u521b\u65b0\u836f\u7269\u516c\u53f8\u3002\u6211\u4eec\u65f6\u523b\u52aa\u529b\uff0c\u521b\u60f3\u533b\u836f\u672a\u6765\uff0c\u6539\u5584\u4eba\u4eec\u751f\u6d3b\u8d28\u91cf\uff0c\u5ef6\u957f\u4eba\u7c7b\u5bff\u547d\uff0c\u4ece\u800c\u5728\u60a3\u8005\u3001\u533b\u7597\u4e13\u4e1a\u4eba\u58eb\u548c\u793e\u4f1a\u9762\u5bf9\u4e25\u91cd\u75be\u75c5\u6311\u6218\u65f6\u4e3a\u5176\u8d4b\u80fd\u30022024\u5e74\uff0c\u6211\u4eec\u7684\u836f\u7269\u60e0\u53ca\u5168\u7403\u8fd13\u4ebf\u4eba\u3002 \u5173\u4e8e\u8bfa\u534e\u4e2d\u56fd \u8bfa\u534e\u662f\u4e00\u5bb6\u521b\u65b0\u836f\u7269\u516c\u53f8\uff0c\u516c\u53f8\u4e2d\u6587\u540d\u53d6\u610f&#8221;\u627f\u8bfa\u4e2d\u534e&#8221;\uff0c\u5373\u901a\u8fc7\u4e0d\u65ad\u521b\u65b0\u7684\u4ea7\u54c1\u548c\u670d\u52a1\uff0c\u63d0\u9ad8\u4e2d\u56fd\u4eba\u6c11\u7684\u5065\u5eb7\u6c34\u5e73\u548c\u751f\u6d3b\u8d28\u91cf\u3002\u81ea1987\u5e74\u4ee5\u6765\uff0c\u8bfa\u534e\u5df2\u6709\u8d85\u8fc7100\u6b3e\u521b\u65b0\u836f\u7269\u53ca\u65b0\u9002\u5e94\u75c7\u5728\u534e\u83b7\u6279\u3002\u5982\u9700\u66f4\u591a\u4fe1\u606f\uff0c\u656c\u8bf7\u8bbf\u95ee\u8bfa\u534e\u4e2d\u6587\u7f51\u7ad9\uff1ahttp:\/\/www.novartis.com.cn\u3002 \u00a0 SOURCE \u8bfa\u534e\u4e2d\u56fd","og_url":"https:\/\/moneycompass.com.my\/cn\/\u8bfa\u534e\u4eae\u76f8\u7b2c\u516b\u5c4a\u8fdb\u535a\u4f1a\uff0c\u53d1\u8d77\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\/","og_site_name":"Money Compass CN","article_published_time":"2025-11-06T15:20:00+00:00","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e4%ba%ae%e7%9b%b8%e7%ac%ac%e5%85%ab%e5%b1%8a%e8%bf%9b%e5%8d%9a%e4%bc%9a%ef%bc%8c%e5%8f%91%e8%b5%b7%e3%80%8a%e5%bf%83%e8%a1%80%e7%ae%a1%e5%b0%8f%e8%af%be%e5%a0%82%e3%80%8b%e7%a7%91\/","url":"https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e4%ba%ae%e7%9b%b8%e7%ac%ac%e5%85%ab%e5%b1%8a%e8%bf%9b%e5%8d%9a%e4%bc%9a%ef%bc%8c%e5%8f%91%e8%b5%b7%e3%80%8a%e5%bf%83%e8%a1%80%e7%ae%a1%e5%b0%8f%e8%af%be%e5%a0%82%e3%80%8b%e7%a7%91\/","name":"\u8bfa\u534e\u4eae\u76f8\u7b2c\u516b\u5c4a\u8fdb\u535a\u4f1a\uff0c\u53d1\u8d77\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\u666e\u6d3b\u52a8 - Money Compass CN","isPartOf":{"@id":"https:\/\/moneycompass.com.my\/cn\/#website"},"primaryImageOfPage":{"@id":"https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e4%ba%ae%e7%9b%b8%e7%ac%ac%e5%85%ab%e5%b1%8a%e8%bf%9b%e5%8d%9a%e4%bc%9a%ef%bc%8c%e5%8f%91%e8%b5%b7%e3%80%8a%e5%bf%83%e8%a1%80%e7%ae%a1%e5%b0%8f%e8%af%be%e5%a0%82%e3%80%8b%e7%a7%91\/#primaryimage"},"image":{"@id":"https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e4%ba%ae%e7%9b%b8%e7%ac%ac%e5%85%ab%e5%b1%8a%e8%bf%9b%e5%8d%9a%e4%bc%9a%ef%bc%8c%e5%8f%91%e8%b5%b7%e3%80%8a%e5%bf%83%e8%a1%80%e7%ae%a1%e5%b0%8f%e8%af%be%e5%a0%82%e3%80%8b%e7%a7%91\/#primaryimage"},"thumbnailUrl":"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2025\/11\/image_1-wbYQ2m.jpeg","datePublished":"2025-11-06T15:20:00+00:00","dateModified":"2025-11-06T15:20:00+00:00","author":{"@id":""},"breadcrumb":{"@id":"https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e4%ba%ae%e7%9b%b8%e7%ac%ac%e5%85%ab%e5%b1%8a%e8%bf%9b%e5%8d%9a%e4%bc%9a%ef%bc%8c%e5%8f%91%e8%b5%b7%e3%80%8a%e5%bf%83%e8%a1%80%e7%ae%a1%e5%b0%8f%e8%af%be%e5%a0%82%e3%80%8b%e7%a7%91\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e4%ba%ae%e7%9b%b8%e7%ac%ac%e5%85%ab%e5%b1%8a%e8%bf%9b%e5%8d%9a%e4%bc%9a%ef%bc%8c%e5%8f%91%e8%b5%b7%e3%80%8a%e5%bf%83%e8%a1%80%e7%ae%a1%e5%b0%8f%e8%af%be%e5%a0%82%e3%80%8b%e7%a7%91\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e4%ba%ae%e7%9b%b8%e7%ac%ac%e5%85%ab%e5%b1%8a%e8%bf%9b%e5%8d%9a%e4%bc%9a%ef%bc%8c%e5%8f%91%e8%b5%b7%e3%80%8a%e5%bf%83%e8%a1%80%e7%ae%a1%e5%b0%8f%e8%af%be%e5%a0%82%e3%80%8b%e7%a7%91\/#primaryimage","url":"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2025\/11\/image_1-wbYQ2m.jpeg","contentUrl":"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2025\/11\/image_1-wbYQ2m.jpeg","width":144,"height":96},{"@type":"BreadcrumbList","@id":"https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e4%ba%ae%e7%9b%b8%e7%ac%ac%e5%85%ab%e5%b1%8a%e8%bf%9b%e5%8d%9a%e4%bc%9a%ef%bc%8c%e5%8f%91%e8%b5%b7%e3%80%8a%e5%bf%83%e8%a1%80%e7%ae%a1%e5%b0%8f%e8%af%be%e5%a0%82%e3%80%8b%e7%a7%91\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/moneycompass.com.my\/cn\/"},{"@type":"ListItem","position":2,"name":"\u8bfa\u534e\u4eae\u76f8\u7b2c\u516b\u5c4a\u8fdb\u535a\u4f1a\uff0c\u53d1\u8d77\u300a\u5fc3\u8840\u7ba1\u5c0f\u8bfe\u5802\u300b\u79d1\u666e\u6d3b\u52a8"}]},{"@type":"WebSite","@id":"https:\/\/moneycompass.com.my\/cn\/#website","url":"https:\/\/moneycompass.com.my\/cn\/","name":"Money Compass CN","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/moneycompass.com.my\/cn\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/posts\/18084"}],"collection":[{"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/comments?post=18084"}],"version-history":[{"count":0,"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/posts\/18084\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/media\/18085"}],"wp:attachment":[{"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/media?parent=18084"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/categories?post=18084"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/tags?post=18084"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}