{"id":18148,"date":"2025-11-07T06:36:00","date_gmt":"2025-11-07T06:36:00","guid":{"rendered":"https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e6%b7%b1%e8%80%95%e4%b8%ad%e5%9b%bd%e5%b8%82%e5%9c%ba%ef%bc%8c%e5%8a%a9%e6%8e%a8%e4%b8%ad%e5%9b%bd%e7%a5%9e%e7%bb%8f%e5%85%8d%e7%96%ab%e8%af%8a%e7%96%97%e6%b0%b4%e5%b9%b3%e8%b7%83\/"},"modified":"2025-11-07T06:36:00","modified_gmt":"2025-11-07T06:36:00","slug":"%e8%af%ba%e5%8d%8e%e6%b7%b1%e8%80%95%e4%b8%ad%e5%9b%bd%e5%b8%82%e5%9c%ba%ef%bc%8c%e5%8a%a9%e6%8e%a8%e4%b8%ad%e5%9b%bd%e7%a5%9e%e7%bb%8f%e5%85%8d%e7%96%ab%e8%af%8a%e7%96%97%e6%b0%b4%e5%b9%b3%e8%b7%83","status":"publish","type":"post","link":"https:\/\/moneycompass.com.my\/cn\/%e8%af%ba%e5%8d%8e%e6%b7%b1%e8%80%95%e4%b8%ad%e5%9b%bd%e5%b8%82%e5%9c%ba%ef%bc%8c%e5%8a%a9%e6%8e%a8%e4%b8%ad%e5%9b%bd%e7%a5%9e%e7%bb%8f%e5%85%8d%e7%96%ab%e8%af%8a%e7%96%97%e6%b0%b4%e5%b9%b3%e8%b7%83\/","title":{"rendered":"\u8bfa\u534e\u6df1\u8015\u4e2d\u56fd\u5e02\u573a\uff0c\u52a9\u63a8\u4e2d\u56fd\u795e\u7ecf\u514d\u75ab\u8bca\u7597\u6c34\u5e73\u8dc3\u5347"},"content":{"rendered":"

\n \u4e0a\u6d77<\/span>
\n 2025\u5e7411\u67087\u65e5<\/span> \/\u7f8e\u901a\u793e\/ —\u00a011\u67087\u65e5\uff0c\u5728\u7b2c\u516b\u5c4a\u4e2d\u56fd\u56fd\u9645\u8fdb\u53e3\u535a\u89c8\u4f1a\uff08\u4ee5\u4e0b\u7b80\u79f0”\u8fdb\u535a\u4f1a”\uff09\u4e0a\uff0c\u8bfa\u534e\u516c\u53f8\u643a\u624b\u4e2d\u56fd\u5352\u4e2d\u5b66\u4f1a\uff0c\u4e3e\u529e\u4e86\u795e\u7ecf\u514d\u75ab\u75be\u75c5\u89c4\u8303\u8bca\u7597\u63d0\u5347\u9879\u76ee\u66a8”\u4e09\u4e00\u5de5\u7a0b\u2014\u2014\u4e2d\u56fd\u795e\u7ecf\u514d\u75ab\u5730\u56fe\u53d1\u5e03\u4eea\u5f0f”\u3002\u8fd1\u5e74\u6765\uff0c\u8bfa\u534e\u516c\u53f8\u6301\u7eed\u52a0\u5927\u521b\u65b0\u7814\u53d1\u6295\u5165\uff0c\u540c\u65f6\u643a\u624b\u4e34\u5e8a\u533b\u751f\u3001\u5b66\u672f\u673a\u6784\u53ca\u533b\u7597\u751f\u6001\u5708\u5408\u4f5c\u4f19\u4f34\u5f00\u5c55\u6df1\u5ea6\u5408\u4f5c\uff0c\u5171\u540c\u63a8\u8fdb\u4ee5\u591a\u53d1\u6027\u786c\u5316\uff08\u4ee5\u4e0b\u7b80\u79f0”MS”\uff09\u4e3a\u4ee3\u8868\u7684\u795e\u7ecf\u514d\u75ab\u7c7b\u75be\u75c5\u6807\u51c6\u5316\u8bca\u7597\u4f53\u7cfb\u5efa\u8bbe\uff0c\u52a9\u63a8\u8bca\u7597\u6c34\u5e73\u7684\u8dc3\u5347\u3002<\/p>\n

\u8bfa\u534e\u516c\u53f8\u4e2d\u56fd\u533a\u603b\u88c1\u517c\u8463\u4e8b\u603b\u7ecf\u7406\u674e\u5c27\u8868\u793a\uff1a”\u795e\u7ecf\u79d1\u5b66\u662f\u8bfa\u534e\u56db\u5927\u6838\u5fc3\u6cbb\u7597\u9886\u57df\u4e4b\u4e00\uff0c\u5c24\u5176\u662f\u5728\u591a\u53d1\u6027\u786c\u5316\u9886\u57df\uff0c \u8bfa\u534e\u62e5\u6709\u6df1\u539a\u7684\u79ef\u6dc0\u548c\u4e30\u5bcc\u7684\u4ea7\u54c1\u7ebf\u3002\u6211\u4eec\u6301\u7eed\u5f15\u5165\u521b\u65b0\u4ea7\u54c1\uff0c\u6ee1\u8db3\u4e0d\u540c\u7c7b\u578b\u60a3\u8005\u4e34\u5e8a\u6cbb\u7597\u7684\u9700\u6c42\u3002\u540c\u65f6\uff0c\u6211\u4eec\u81f4\u529b\u4e8e\u4e0e\u533b\u751f\u548c\u884c\u4e1a\u4f19\u4f34\u5171\u540c\u63d0\u5347MS\u6cbb\u7597\u548c\u75be\u75c5\u7ba1\u7406\u6c34\u5e73\uff0c\u5e2e\u52a9\u60a3\u8005\u63a7\u5236\u75be\u75c5\u8fdb\u5c55\uff0c\u56de\u5f52\u6b63\u5e38\u751f\u6d3b\u3002”<\/p>\n

\n

\n <\/a><\/p>\n

\n <\/p>\n<\/div>\n

\n \u597d\u53d1\u4e8e\u4e2d\u9752\u5e74\u5973\u6027\uff0c\u89c4\u8303
\n DMT\u6cbb\u7597\u5e26\u6765\u6cbb\u6108\u66d9\u5149\n <\/p>\n

\u591a\u53d1\u6027\u786c\u5316\uff08MS\uff09\u662f\u4e00\u79cd\u81ea\u8eab\u514d\u75ab\u6027\u795e\u7ecf\u708e\u75c7\u75be\u75c5\uff0c\u597d\u53d1\u4e8e29-39\u5c81\u7684\u4e2d\u9752\u5e74\u5973\u6027[1]\u3002MS\u75c7\u72b6\u7d2f\u53ca\u5168\u8eab\uff0c\u60a3\u8005\u9762\u4e34\u89c6\u529b\u4e0b\u964d\u3001\u80a2\u4f53\u9ebb\u6728\u3001\u884c\u52a8\u969c\u788d\u7b49\u591a\u79cd\u56f0\u6270\u3002\u6bcf\u4e00\u6b21\u53cd\u590d\u53d1\u4f5c\u90fd\u53ef\u80fd\u5e26\u6765\u795e\u7ecf\u635f\u4f24\u7d2f\u79ef\uff0c\u82e5\u672a\u80fd\u6709\u6548\u63a7\u5236\uff0c\u75be\u75c5\u6700\u7ec8\u53ef\u80fd\u8fdb\u5165\u6301\u7eed\u8fdb\u5c55\u72b6\u6001\uff0c\u5bfc\u81f4\u60a3\u8005\u4e25\u91cd\u6b8b\u75be\u3001\u4e27\u5931\u81ea\u7406\u80fd\u529b[1]\uff0c\u7ed9\u60a3\u8005\u53ca\u5176\u5bb6\u5ead\u5e26\u6765\u6c89\u91cd\u8d1f\u62c5\u3002<\/p>\n

\u9996\u90fd\u533b\u79d1\u5927\u5b66\u9644\u5c5e\u5317\u4eac\u5929\u575b\u533b\u9662\u795e\u7ecf\u611f\u67d3\u4e0e\u514d\u75ab\u75be\u75c5\u79d1\u526f\u4e3b\u4efb\u7530\u5fb7\u8d22\u6559\u6388\u8868\u793a\uff1a”\u75be\u75c5\u4fee\u6b63\u6cbb\u7597\uff08DMT\uff09\u662f\u5f53\u524dMS\u7f13\u89e3\u671f\u7684\u4e3b\u8981\u6cbb\u7597\u65b9\u6848\uff0c\u901a\u8fc7\u65e9\u671f\u8bca\u65ad\u5e76\u53ca\u65f6\u542f\u7528\u9ad8\u6548\u7684DMT\u6cbb\u7597\uff0c\u53ef\u4ee5\u6709\u6548\u63a7\u5236\u591a\u53d1\u6027\u786c\u5316\u7684\u75be\u75c5\u8fdb\u5c55\uff0c\u51cf\u5c11\u795e\u7ecf\u635f\u4f24\uff0c\u6539\u5584\u60a3\u8005\u7684\u957f\u671f\u9884\u540e\u3002\u8fd1\u5e74\u6765\uff0c\u6211\u56fdDMT\u6cbb\u7597\u7387\u5f97\u5230\u5927\u5e45\u63d0\u5347\u3002\u7136\u800c\uff0c\u4e0d\u540c\u5730\u533a\u4e4b\u95f4\u533b\u7597\u8d44\u6e90\u548c\u8bca\u7597\u6c34\u5e73\u5b58\u5728\u5dee\u5f02\uff0c\u6807\u51c6\u5316\u4f53\u7cfb\u5efa\u8bbe\u6709\u5f85\u52a0\u5f3a\u3002”<\/p>\n

\n

\n <\/a><\/p>\n

\n <\/p>\n<\/div>\n

\n \u7834\u89e3\u60a3\u8005\u96be\u9898\uff0c\u8bfa\u534e\u52a9\u529b\u6784\u5efa
\n MS\u8bca\u7597\u65b0\u751f\u6001\n <\/p>\n

MS\u89c4\u8303\u5316\u6cbb\u7597\u9996\u5148\u8981\u89e3\u51b3”\u786e\u8bca\u96be\u3001\u6cbb\u7597\u96be”\u4e24\u5927\u95ee\u9898\uff1a\u90e8\u5206\u60a3\u8005\u53ef\u80fd\u8981\u8f97\u8f6c2\u5e74\u4ee5\u4e0a\u624d\u80fd\u627e\u5230\u6b63\u786e\u7684\u533b\u9662\u548c\u79d1\u5ba4\uff1b”\u7ef4\u6301\u6cbb\u7597\u96be”\u2014\u2014\u60a3\u8005\u5728\u5927\u57ce\u5e02\u63a5\u53d7\u521d\u59cb\u6cbb\u7597\u56de\u5230\u5c45\u4f4f\u5730\u540e\uff0c\u5f80\u5f80\u65e0\u6cd5\u5f97\u5230\u50cf\u5927\u57ce\u5e02\u540c\u7b49\u7684\u4e13\u4e1a\u533b\u7597\u652f\u6301\u3002<\/p>\n

\u4e3a\u4e86\u8fdb\u4e00\u6b65\u63a8\u8fdbMS\u8bca\u7597\u4f53\u7cfb\u7684\u5efa\u8bbe\uff0c\u8bfa\u534e\u516c\u53f8\u8054\u5408\u4e2d\u56fd\u5352\u4e2d\u5b66\u4f1a\u53d1\u8d77 “\u795e\u7ecf\u514d\u75ab\u75be\u75c5\u89c4\u8303\u8bca\u7597\u80fd\u529b\u63d0\u5347\u9879\u76ee\u2014\u2014\u4e09\u4e00\u5de5\u7a0b”\uff0c\u63a8\u8fdb”\u4e00\u57ce\u3001\u4e00\u9662\u3001\u4e00\u533b”\u534f\u4f5c\u7f51\u7edc\uff0c\u8ba9\u66f4\u591a\u60a3\u8005\u5b9e\u73b0\u65e9\u7b5b\u3001\u65e9\u8bca\u3001\u65e9\u6cbb[2]\u3002\u300a\u4e09\u4e00\u5de5\u7a0b\u2014\u4e2d\u56fd\u795e\u7ecf\u514d\u75ab\u5730\u56fe\u300b\u4f5c\u4e3a\u4e09\u4e00\u5de5\u7a0b\u7684\u91cd\u8981\u6210\u679c\u4e4b\u4e00\uff0c\u5728\u672c\u5c4a\u8fdb\u535a\u4f1a\u4e0a\u6b63\u5f0f\u53d1\u5e03\u3002<\/p>\n

\n

\n <\/a><\/p>\n

\n <\/p>\n<\/div>\n

\u9996\u90fd\u533b\u79d1\u5927\u5b66\u9644\u5c5e\u5317\u4eac\u5929\u575b\u533b\u9662\u5e38\u52a1\u526f\u9662\u957f\u738b\u4f0a\u9f99\u6559\u6388\u8868\u793a\uff1a”\u6211\u4eec\u5f88\u9ad8\u5174\u80fd\u591f\u4e0e\u8bfa\u534e\u5171\u540c\u53d1\u5e03\u8fd9\u4efd’\u4e2d\u56fd\u795e\u7ecf\u514d\u75ab\u5730\u56fe’\uff0c\u63a8\u52a8MS\u5206\u7ea7\u8bca\u7597\u4f53\u7cfb\u843d\u5730\u3001\u89e3\u51b3\u60a3\u8005’\u786e\u8bca\u96be\u3001\u6cbb\u7597\u96be\u3001\u968f\u8bbf\u96be’\u7b49\u5b9e\u9645\u95ee\u9898\uff0c\u7279\u522b\u662f\u4e3a\u533b\u7597\u8d44\u6e90\u76f8\u5bf9\u8584\u5f31\u7684\u5730\u533a\u63d0\u4f9b\u6e05\u6670\u3001\u4fbf\u6377\u7684\u5c31\u533b\u6307\u5f15\uff0c\u6307\u5bfc\u533b\u751f\u5bf9\u60a3\u8005\u8fdb\u884c\u89c4\u8303\u968f\u8bbf\u4e0e\u6cbb\u7597\uff0c\u83b7\u5f97\u66f4\u597d\u7684\u6cbb\u7597\u6548\u679c\u3001\u63d0\u5347\u5065\u5eb7\u6c34\u5e73\u3002”<\/p>\n

\u79c9\u6301”\u627f\u8bfa\u4e2d\u534e”\u7684\u521d\u5fc3\uff0c\u8bfa\u534e\u5c06\u7ee7\u7eed\u643a\u624b\u751f\u6001\u5708\u5408\u4f5c\u4f19\u4f34\uff0c\u52a0\u7801\u795e\u7ecf\u79d1\u5b66\u9886\u57df\u7684\u521b\u65b0\u6295\u5165\uff0c\u6301\u7eed\u63a8\u52a8\u521b\u65b0\u836f\u7269\u7684\u53ef\u53ca\u6027\uff0c\u52a9\u529b\u4e2d\u56fd\u795e\u7ecf\u514d\u75ab\u75be\u75c5\u5b66\u79d1\u53d1\u5c55\u3002<\/p>\n

\n

\n [1] \u4e2d\u534e\u533b\u5b66\u4f1a\u795e\u7ecf\u75c5\u5b66\u5206\u4f1a\u795e\u7ecf\u514d\u75ab\u5b66\u7ec4. \u591a\u53d1\u6027\u786c\u5316\u8bca\u65ad\u4e0e\u6cbb\u7597\u4e2d\u56fd\u6307\u5357(2023\u7248)[J].\u4e2d\u534e\u795e\u7ecf\u79d1\u6742\u5fd7.2024,57(1):10-23.<\/span>\n <\/p>\n

\n [2]\u00a0\u8bfa\u534e\u4e2d\u56fd\u4e0e\u5317\u4eac\u5929\u575b\u533b\u9662\u6218\u7565\u5408\u4f5c\u5907\u5fd8\u5f55\u7b7e\u7f72\uff0c”\u4e09\u4e00\u5de5\u7a0b”\u542f\u52a8\uff0c\u5171\u7ed8\u795e\u7ecf\u514d\u75ab\u8bca\u7597\u65b0\u672a\u6765<\/a><\/span>\n <\/p>\n<\/div>\n

\u00a0<\/p>\n

<\/div>\n

SOURCE \u8bfa\u534e\u4e2d\u56fd<\/p>","protected":false},"excerpt":{"rendered":"

\u4e0a\u6d77 2025\u5e7411\u67087\u65e5 \/\u7f8e\u901a\u793e\/ 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\u79c9\u6301”\u627f\u8bfa\u4e2d\u534e”\u7684\u521d\u5fc3\uff0c\u8bfa\u534e\u5c06\u7ee7\u7eed\u643a\u624b\u751f\u6001\u5708\u5408\u4f5c\u4f19\u4f34\uff0c\u52a0\u7801\u795e\u7ecf\u79d1\u5b66\u9886\u57df\u7684\u521b\u65b0\u6295\u5165\uff0c\u6301\u7eed\u63a8\u52a8\u521b\u65b0\u836f\u7269\u7684\u53ef\u53ca\u6027\uff0c\u52a9\u529b\u4e2d\u56fd\u795e\u7ecf\u514d\u75ab\u75be\u75c5\u5b66\u79d1\u53d1\u5c55\u3002 [1] \u4e2d\u534e\u533b\u5b66\u4f1a\u795e\u7ecf\u75c5\u5b66\u5206\u4f1a\u795e\u7ecf\u514d\u75ab\u5b66\u7ec4. \u591a\u53d1\u6027\u786c\u5316\u8bca\u65ad\u4e0e\u6cbb\u7597\u4e2d\u56fd\u6307\u5357(2023\u7248)[J].\u4e2d\u534e\u795e\u7ecf\u79d1\u6742\u5fd7.2024,57(1):10-23. [2]\u00a0\u8bfa\u534e\u4e2d\u56fd\u4e0e\u5317\u4eac\u5929\u575b\u533b\u9662\u6218\u7565\u5408\u4f5c\u5907\u5fd8\u5f55\u7b7e\u7f72\uff0c”\u4e09\u4e00\u5de5\u7a0b”\u542f\u52a8\uff0c\u5171\u7ed8\u795e\u7ecf\u514d\u75ab\u8bca\u7597\u65b0\u672a\u6765 \u00a0 SOURCE \u8bfa\u534e\u4e2d\u56fd<\/p>\n","protected":false},"author":0,"featured_media":18149,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[],"class_list":["post-18148","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pr-newswire"],"yoast_head":"\n\u8bfa\u534e\u6df1\u8015\u4e2d\u56fd\u5e02\u573a\uff0c\u52a9\u63a8\u4e2d\u56fd\u795e\u7ecf\u514d\u75ab\u8bca\u7597\u6c34\u5e73\u8dc3\u5347 - 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\" 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