{"id":24230,"date":"2026-05-13T01:41:00","date_gmt":"2026-05-13T01:41:00","guid":{"rendered":"https:\/\/moneycompass.com.my\/cn\/%e5%88%9b%e6%96%b0%e9%a9%b1%e5%8a%a8%e5%8f%91%e5%b1%95%ef%bc%9a%e6%8b%9c%e8%80%b3%e5%9f%ba%e9%87%91%e4%bc%9a%e5%8d%97%e5%ae%81%e6%a8%a1%e5%bc%8f%e5%8a%a9%e5%8a%9b%e5%85%bb%e8%80%81%e6%9c%8d\/"},"modified":"2026-05-13T01:41:00","modified_gmt":"2026-05-13T01:41:00","slug":"%e5%88%9b%e6%96%b0%e9%a9%b1%e5%8a%a8%e5%8f%91%e5%b1%95%ef%bc%9a%e6%8b%9c%e8%80%b3%e5%9f%ba%e9%87%91%e4%bc%9a%e5%8d%97%e5%ae%81%e6%a8%a1%e5%bc%8f%e5%8a%a9%e5%8a%9b%e5%85%bb%e8%80%81%e6%9c%8d","status":"publish","type":"post","link":"https:\/\/moneycompass.com.my\/cn\/%e5%88%9b%e6%96%b0%e9%a9%b1%e5%8a%a8%e5%8f%91%e5%b1%95%ef%bc%9a%e6%8b%9c%e8%80%b3%e5%9f%ba%e9%87%91%e4%bc%9a%e5%8d%97%e5%ae%81%e6%a8%a1%e5%bc%8f%e5%8a%a9%e5%8a%9b%e5%85%bb%e8%80%81%e6%9c%8d\/","title":{"rendered":"\u521b\u65b0\u9a71\u52a8\u53d1\u5c55\uff1a\u62dc\u8033\u57fa\u91d1\u4f1a”\u5357\u5b81\u6a21\u5f0f”\u52a9\u529b\u517b\u8001\u670d\u52a1\u9ad8\u8d28\u91cf\u5347\u7ea7"},"content":{"rendered":"

\u5357\u5b81<\/span>2026\u5e745\u670813\u65e5<\/span> \/\u7f8e\u901a\u793e\/ — \u79ef\u6781\u5e94\u5bf9\u4eba\u53e3\u8001\u9f84\u5316\u88ab\u89c6\u4e3a”\u5341\u4e94\u4e94”\u65f6\u671f\u5173\u7cfb\u56fd\u8ba1\u6c11\u751f\u7684\u91cd\u5927\u6218\u7565\u4efb\u52a1\u3002\u968f\u7740\u6211\u56fd\u8001\u9f84\u5316\u8fdb\u7a0b\u6301\u7eed\u63a8\u8fdb\uff0c\u517b\u8001\u670d\u52a1\u4f53\u7cfb\u5efa\u8bbe\u6b63\u7531”\u57fa\u7840\u4fdd\u969c”\u5411”\u9ad8\u8d28\u91cf\u53d1\u5c55”\u8f6c\u578b\u5347\u7ea7\u3002\u4e8e5\u670812\u65e5\u5728\u5e7f\u897f\u5357\u5b81\u4e3e\u529e\u7684”\u5357\u5b81\u6a21\u5f0f\u2022\u517b\u8001\u4ea7\u4e1a\u9ad8\u8d28\u91cf\u53d1\u5c55\u5b66\u672f\u4ea4\u6d41\u4f1a”\u6c47\u805a\u4e86\u653f\u5e9c\u4ee3\u8868\u3001\u56fd\u5185\u5916\u884c\u4e1a\u4e13\u5bb6\u3001\u5b66\u672f\u673a\u6784\u53ca\u4ea7\u4e1a\u4f19\u4f34\uff0c\u5171\u540c\u63a2\u8ba8\u62a4\u7406\u4eba\u624d\u57f9\u517b\u3001\u793e\u533a\u5d4c\u5165\u5f0f\u517b\u8001\u670d\u52a1\u521b\u65b0\u4e0e\u653f\u4f01\u534f\u540c\u7b49\u6838\u5fc3\u8bae\u9898\u3002\u5927\u4f1a\u4e0a\uff0c\u7231\u62a4\u5b81\u4ea7\u4e1a\u5b66\u9662\u66a8\u5df4\u9ece\u4e5d\u5927”\u6574\u5408\u7167\u62a4\u4e0e\u793e\u4f1a\u521b\u65b0\u7814\u7a76\u4e2d\u5fc3”\u6b63\u5f0f\u63ed\u724c\uff0c\u6807\u5fd7\u7740\u4ea7\u6559\u7814\u878d\u5408\u5728\u517b\u8001\u9886\u57df\u8fc8\u51fa\u575a\u5b9e\u6b65\u4f10\u3002<\/p>\n

\u62dc\u8033\u5927\u4e2d\u534e\u53ca\u4e1c\u5317\u4e9a\u533a\u4f20\u64ad\u526f\u603b\u88c1\u5f20\u857e\u5973\u58eb\u3001\u62dc\u8033\u57fa\u91d1\u4f1a\u4e9a\u592a\u533a\u8d1f\u8d23\u4eba\u949f\u670b\u535a\u58eb\u3001\u535a\u7ec4\u5ba2\u4e9a\u6d32\u603b\u88c1\u53f8\u5f92\u6587\u535a\u58eb\uff08Dr. Stephan Dyckerhoff\uff09\u3001\u5e7f\u897f\u65b0\u751f\u6d3b\u533b\u517b\u5065\u5eb7\u670d\u52a1\u80a1\u4efd\u6709\u9650\u516c\u53f8\u8463\u4e8b\u957f\u6731\u8363\u82ac\u5973\u58eb\u3001\u5fb7\u56fd\u6d77\u5916\u5546\u4f1a\u8054\u76df\u5927\u4e2d\u534e\u533a\u526f\u603b\u88c1\u5f90\u6676\u6ce2\u5148\u751f\uff0c\u81ea\u6cbb\u533a\u3001\u5357\u5b81\u5e02\u6709\u5173\u90e8\u95e8\u540c\u5fd7\u7b49\u5404\u754c\u4ee3\u8868\u51fa\u5e2d\u4e86\u672c\u6b21\u6d3b\u52a8\u3002<\/p>\n

“\u5357\u5b81\u6a21\u5f0f”\u8d4b\u6743\u7167\u62a4\u7406\u5ff5\u52a9\u529b\u884c\u4e1a\u5347\u7ea7<\/p>\n

\u636e\u56fd\u5bb6\u7edf\u8ba1\u5c40\u6570\u636e\uff0c\u622a\u81f3 2025 \u5e74\u672b\uff0c\u6211\u56fd 60 \u5c81\u53ca\u4ee5\u4e0a\u4eba\u53e3\u8fbe 3.23 \u4ebf\u4eba\uff0c\u5360\u5168\u56fd\u603b\u4eba\u53e3 23%\u30022021 \u5e74\uff0c\u79ef\u6781\u5e94\u5bf9\u4eba\u53e3\u8001\u9f84\u5316\u88ab\u786e\u7acb\u4e3a\u56fd\u5bb6\u6218\u7565\uff1b”\u5341\u4e94\u4e94” \u89c4\u5212\u6301\u7eed\u52a0\u7801\uff0c\u805a\u7126\u4f18\u5316\u57fa\u672c\u517b\u8001\u670d\u52a1\u3001\u53d1\u5c55\u793e\u533a\u5d4c\u5165\u5f0f\u517b\u8001\u3001\u6df1\u5316\u533b\u517b\u7ed3\u5408\uff0c\u63a8\u52a8\u517b\u8001\u670d\u52a1\u63d0\u8d28\u5347\u7ea7\u3002\u5728\u6b64\u80cc\u666f\u4e0b\uff0c\u5982\u4f55\u5c06\u56fd\u5bb6\u9876\u5c42\u8bbe\u8ba1\u8f6c\u5316\u4e3a\u53ef\u843d\u5730\u3001\u53ef\u6301\u7eed\u7684\u57fa\u5c42\u5b9e\u8df5\uff0c\u5df2\u6210\u4e3a\u884c\u4e1a\u5171\u540c\u9762\u5bf9\u7684\u6838\u5fc3\u8bae\u9898\u3002<\/p>\n

\u62dc\u8033\u57fa\u91d1\u4f1a\u652f\u6301\u7684”\u5357\u5b81\u6a21\u5f0f”\u9879\u76ee\u81ea2025\u5e745\u6708\u542f\u52a8\uff0c\u7531\u535a\u7ec4\u5ba2\uff08\u4e2d\u56fd\uff09\u4e0e\u5e7f\u897f\u65b0\u751f\u6d3b\u533b\u517b\u5065\u5eb7\u670d\u52a1\u80a1\u4efd\u6709\u9650\u516c\u53f8\u5408\u4f5c\u6210\u7acb\u7684\u65b0\u535a\u516c\u53f8\u8d1f\u8d23\u5b9e\u65bd\u3002\u9879\u76ee\u805a\u7126\u5931\u80fd\u3001\u6162\u75c5\u3001\u5931\u667a\u957f\u8005\uff0c\u878d\u5408”\u7231\u62a4\u5b81”\u4e0e”\u535a\u7ec4\u5ba2”\u53cc\u54c1\u724c\u4f18\u52bf\uff0c\u843d\u5730\u8377\u5170\u535a\u7ec4\u5ba2\u5c45\u5bb6\u517b\u8001\u7684\u79d1\u5b66\u6a21\u578b\uff0c\u63a8\u52a8\u5c45\u5bb6\u517b\u8001\u670d\u52a1\u5b9e\u73b0\u9ad8\u8d28\u91cf\u4e0e\u9ad8\u6548\u80fd\u53ef\u6301\u7eed\u53d1\u5c55\u3002<\/p>\n

“\u5357\u5b81\u6a21\u5f0f”\u533a\u522b\u4e8e\u4f20\u7edf”\u88ab\u52a8\u7167\u62a4”\uff0c\u79c9\u6301”\u91cd\u7115\u6d3b\u529b\u3001\u81ea\u4e3b\u751f\u6d3b”\u7684\u8d4b\u6743\u7167\u62a4\u7406\u5ff5\uff0c\u5c06\u670d\u52a1\u91cd\u5fc3\u7531”\u66ff\u4ee3\u6027\u7167\u6599”\u8f6c\u4e3a”\u80fd\u529b\u7ef4\u62a4\u4e0e\u6062\u590d”\u3002\u9879\u76ee\u4f9d\u6258\u8de8\u4e13\u4e1a\u56e2\u961f\u53ca\u535a\u7ec4\u5ba2\u5965\u9a6c\u54c8\u7cfb\u7edf\u8bc4\u4f30\u5de5\u5177\uff0c\u4e3a\u6bcf\u4f4d\u957f\u8005\u5236\u5b9a\u4e2a\u6027\u5316\u7167\u62a4\u8ba1\u5212\uff0c\u901a\u8fc7\u5bb6\u5ead\u534f\u540c\u673a\u5236\u786e\u4fdd\u7167\u62a4\u65b9\u6848\u6301\u7eed\u843d\u5730\u3002\u622a\u6b62\u9879\u76ee\u5468\u671f\u7ed3\u675f\uff0c\u4e09\u4e2a\u9636\u6bb5\u7d2f\u8ba1\u5b8c\u6210\u8bc4\u4f30290\u4eba\u6b21\uff0c\u7b5b\u9009246\u4eba\u5165\u7ec4\uff0c\u7d2f\u8ba1\u6709\u6548\u63a8\u8fdb\u6848\u4f8b204\u4f8b\uff0c\u5065\u5eb7\u5206\u503c\u5e73\u5747\u6539\u5584\u7387\u8fbe60.03%\u3002\u6708\u5747\u670d\u52a1\u8d39\u7528\u76f8\u6bd4\u673a\u6784\u517b\u8001\u964d\u4f4e70%\uff0c\u76f8\u6bd4\u957f\u62a4\u9669\u964d\u4f4e20%\uff0c\u6709\u529b\u9a8c\u8bc1\u4e86”\u4f4e\u6210\u672c\u3001\u9ad8\u54c1\u8d28”\u5c45\u5bb6\u7167\u62a4\u8def\u5f84\u7684\u53ef\u884c\u6027\u3002<\/p>\n

\u591a\u65b9\u534f\u540c\u521b\u65b0 \u6784\u5efa\u4eba\u624d\u4e0e\u4ea7\u4e1a\u751f\u6001<\/p>\n

\u4eba\u624d\u57f9\u517b\u8d2f\u7a7f\u9879\u76ee\u5168\u7a0b\u3002\u5357\u5b81\u56e2\u961f\u5efa\u7acb\u65e5\u3001\u5468\u3001\u6708\u8054\u52a8\u590d\u76d8\u673a\u5236\uff0c\u901a\u8fc7”\u65b0\u8001\u7ed3\u5bf9”\u6a21\u5f0f\uff0c\u5c06\u5965\u9a6c\u54c8\u8bc4\u4f30\u5de5\u5177\u5e94\u7528\u3001\u6848\u4f8b\u7814\u8ba8\u4e0e\u4e00\u7ebf\u5b9e\u64cd\u7ed3\u5408\uff0c\u521d\u6b65\u6253\u9020\u4e00\u652f\u672c\u571f\u5316\u6574\u5408\u62a4\u7406\u961f\u4f0d\u3002\u5927\u4f1a\u540c\u671f\u4e3e\u529e\u4e86”\u517b\u8001\u62a4\u7406\u4eba\u5458\u80fd\u529b\u5efa\u8bbe\u7684\u6311\u6218\u548c\u673a\u9047”\u5706\u684c\u8ba8\u8bba\uff0c\u6765\u81ea\u653f\u5e9c\u3001\u9662\u6821\u3001\u884c\u4e1a\u4e13\u5bb6\u4e00\u81f4\u8ba4\u4e3a\uff0c\u6559\u80b2\u94fe\u3001\u4eba\u624d\u94fe\u3001\u670d\u52a1\u94fe\u6df1\u5ea6\u878d\u5408\uff0c\u662f\u63d0\u5347\u793e\u533a\u5c45\u5bb6\u517b\u8001\u4e13\u4e1a\u80fd\u529b\u7684\u5173\u952e\u3002\u4ea7\u4e1a\u5b66\u9662\u3001\u7167\u62a4\u4e0e\u793e\u4f1a\u521b\u65b0\u7814\u7a76\u4e2d\u5fc3\u7684\u63ed\u724c\uff0c\u8fdb\u4e00\u6b65\u4e3a\u884c\u4e1a\u8d4b\u80fd\u3002<\/p>\n

\n

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

\u62dc\u8033\u57fa\u91d1\u4f1a\u4e9a\u592a\u533a\u8d1f\u8d23\u4eba\u949f\u670b\u535a\u58eb\u8fdb\u4e00\u6b65\u9610\u91ca\u4e86\u9879\u76ee\u80cc\u540e\u7684\u793e\u4f1a\u521b\u65b0\u903b\u8f91\uff1a” ‘\u5357\u5b81\u6a21\u5f0f’\u5e76\u672a\u7b80\u5355\u590d\u5236\u8377\u5170\u535a\u7ec4\u5ba2\u7684\u56fd\u9645\u7ecf\u9a8c\uff0c\u800c\u662f\u5145\u5206\u7ed3\u5408\u4e2d\u56fd\u5bb6\u5ead\u7ed3\u6784\u3001\u793e\u533a\u7ec4\u7ec7\u65b9\u5f0f\u4e0e\u672c\u5730\u653f\u7b56\u73af\u5883\u8fdb\u884c\u4e86\u878d\u5408\u521b\u65b0\u3002\u6211\u4eec\u6b23\u559c\u5730\u770b\u5230\uff0c\u9879\u76ee\u5728\u670d\u52a1\u957f\u8005\u7684\u540c\u65f6\uff0c\u4e5f\u901a\u8fc7\u7cfb\u7edf\u57f9\u8bad\u4e3a\u63d0\u5347\u5973\u6027\u5728\u7167\u62a4\u9886\u57df\u7684\u804c\u4e1a\u53d1\u5c55\u7a7a\u95f4\uff0c\u8d4b\u80fd\u5979\u4eec\u83b7\u5f97\u66f4\u591a\u5c31\u4e1a\u673a\u4f1a\u5e76\u6301\u7eed\u589e\u52a0\u6536\u5165\uff0c\u5f62\u6210\u670d\u52a1\u957f\u8005\u4e0e\u8d4b\u80fd\u793e\u533a\u5e76\u884c\u7684\u53cc\u91cd\u793e\u4f1a\u4ef7\u503c\u3002”<\/p>\n

\u535a\u7ec4\u5ba2\u4e9a\u6d32\u603b\u88c1\u53f8\u5f92\u6587\u535a\u58eb\u8868\u793a\uff1a”\u535a\u7ec4\u5ba2\u59cb\u7ec8\u76f8\u4fe1\uff0c\u9ad8\u8d28\u91cf\u5c45\u5bb6\u7167\u62a4\u7684\u5173\u952e\uff0c\u4e0d\u662f\u7b80\u5355\u66ff\u8001\u4eba\u5b8c\u6210\u4e8b\u60c5\uff0c\u800c\u662f\u901a\u8fc7\u4e13\u4e1a\u8bc4\u4f30\u3001\u4e2a\u6027\u5316\u8ba1\u5212\u548c\u5bb6\u5ead\u8d4b\u80fd\uff0c\u5e2e\u52a9\u957f\u8005\u5c3d\u53ef\u80fd\u7ef4\u6301\u548c\u6062\u590d\u81ea\u4e3b\u751f\u6d3b\u80fd\u529b\u3002\u5728’\u5357\u5b81\u6a21\u5f0f’\u4e2d\uff0c\u6211\u4eec\u4e0e\u62dc\u8033\u57fa\u91d1\u4f1a\u3001\u65b0\u751f\u6d3b\u56e2\u961f\u7d27\u5bc6\u534f\u4f5c\uff0c\u5c06\u8377\u5170\u793e\u533a\u5c45\u5bb6\u7167\u62a4\u7ecf\u9a8c\u4e0e\u5357\u5b81\u672c\u5730\u5b9e\u8df5\u76f8\u7ed3\u5408\uff0c\u63a8\u52a8\u5965\u9a6c\u54c8\u7cfb\u7edf\u8bc4\u4f30\u3001\u8de8\u4e13\u4e1a\u56e2\u961f\u534f\u4f5c\u548c\u6301\u7eed\u590d\u76d8\u673a\u5236\u843d\u5730\uff0c\u57f9\u517b\u672c\u571f\u5316\u4e13\u4e1a\u7167\u62a4\u961f\u4f0d\uff0c\u5171\u540c\u63a2\u7d22\u53ef\u590d\u5236\u3001\u53ef\u6301\u7eed\u7684\u793e\u533a\u5c45\u5bb6\u517b\u8001\u65b0\u8def\u5f84\u3002”<\/p>\n

\n

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

\u5e7f\u897f\u65b0\u751f\u6d3b\u533b\u517b\u5065\u5eb7\u670d\u52a1\u80a1\u4efd\u6709\u9650\u516c\u53f8\u8463\u4e8b\u957f\u6731\u8363\u82ac\u8868\u793a\uff1a”\u4f5c\u4e3a\u6df1\u8015\u533b\u517b\u5065\u5eb7\u9886\u57df\u7684\u672c\u571f\u4f01\u4e1a\uff0c\u65b0\u751f\u6d3b\u7231\u62a4\u5b81\u54c1\u724c\u59cb\u7ec8\u575a\u5b88’\u4ee5\u66f4\u4f4e\u7684\u8d39\u7528\uff0c\u63d0\u4f9b\u66f4\u597d\u7684\u7167\u62a4’\u7684\u521d\u5fc3\u4e0e\u4f7f\u547d\u3002\u672c\u6b21\u4e0e\u62dc\u8033\u57fa\u91d1\u4f1a\u3001\u8377\u5170\u535a\u7ec4\u5ba2\u5171\u540c\u6253\u9020’\u5357\u5b81\u6a21\u5f0f’\uff0c\u662f’\u7231\u62a4\u5b81+’\u6218\u7565\u7684\u91cd\u8981\u5b9e\u8df5\uff0c\u4e5f\u662f\u6211\u4eec\u6784\u5efa’\u4e50\u517b\u3001\u533b\u517b\u3001\u667a\u517b\u3001\u5b89\u517b’\u56db\u517b\u4f53\u7cfb\u7684\u5173\u952e\u7a81\u7834\u3002\u6211\u4eec\u4e0d\u4ec5\u81f4\u529b\u4e8e\u4e3a\u957f\u8005\u63d0\u4f9b\u6709\u5c0a\u4e25\u3001\u9ad8\u54c1\u8d28\u7684\u5c45\u5bb6\u7167\u62a4\uff0c\u66f4\u5e0c\u671b\u4ee5\u7231\u62a4\u5b81\u4ea7\u4e1a\u5b66\u9662\u3001\u65b0\u751f\u6d3b\u7814\u7a76\u9662\u4e3a\u5e73\u53f0\uff0c\u6df1\u5316\u4ea7\u6559\u7814\u878d\u5408\uff0c\u8054\u52a8\u653f\u5e9c\u3001\u9662\u6821\u3001\u884c\u4e1a\u4f19\u4f34\uff0c\u63a8\u52a8\u517b\u8001\u4eba\u624d\u57f9\u517b\u3001\u670d\u52a1\u6807\u51c6\u5347\u7ea7\u4e0e\u4ea7\u4e1a\u751f\u6001\u6784\u5efa\uff0c\u4e3a\u4e2d\u56fd\u79ef\u6781\u5e94\u5bf9\u4eba\u53e3\u8001\u9f84\u5316\u8d21\u732e\u672c\u571f\u4f01\u4e1a\u529b\u91cf\u3002”<\/p>\n

\u4f01\u4e1a\u793e\u4f1a\u8d23\u4efb\u4e0e\u6a21\u5f0f\u521b\u65b0\u52a9\u529b\u56fd\u5bb6\u6218\u7565<\/p>\n

\u5728\u63a2\u7d22\u8def\u5f84\u4e0a\uff0c”\u5357\u5b81\u6a21\u5f0f”\u5e76\u672a\u6b62\u6b65\u4e8e\u670d\u52a1\u4f9b\u7ed9\u672c\u8eab\u3002\u62dc\u8033\u5927\u4e2d\u534e\u53ca\u4e1c\u5317\u4e9a\u533a\u4f20\u64ad\u526f\u603b\u88c1\u5f20\u857e\u6307\u51fa\uff0c\u62dc\u8033\u6b63\u5c06\u4f01\u4e1a\u4f7f\u547d\u4e0e\u4e2d\u56fd\u8001\u9f84\u5316\u793e\u4f1a\u7684\u6df1\u5c42\u9700\u6c42\u8fdb\u884c\u66f4\u7d27\u5bc6\u7684\u7ed3\u5408\uff0c\u5979\u8868\u793a\uff1a”\u4e2d\u56fd\u4eba\u53e3\u7ed3\u6784\u6b63\u53d1\u751f\u6df1\u523b\u53d8\u5316\uff0c\u517b\u8001\u670d\u52a1\u4f53\u7cfb\u7684\u9ad8\u8d28\u91cf\u53d1\u5c55\u4e0d\u4ec5\u662f\u793e\u4f1a\u8bae\u9898\uff0c\u66f4\u662f\u9700\u8981\u591a\u65b9\u534f\u540c\u53c2\u4e0e\u7684\u7cfb\u7edf\u5de5\u7a0b\u3002\u62dc\u8033’\u5171\u4eab\u5065\u5eb7\uff0c\u6d88\u9664\u9965\u997f’\u7684\u4f7f\u547d\uff0c\u4e0d\u4ec5\u4f53\u73b0\u5728\u4ea7\u54c1\u4e0e\u6280\u672f\u521b\u65b0\u9886\u57df\uff0c\u4e5f\u6b63\u5728\u5ef6\u4f38\u81f3\u6a21\u5f0f\u521b\u65b0\u4e0e\u793e\u4f1a\u521b\u65b0\u3002’\u5357\u5b81\u6a21\u5f0f’\u662f\u62dc\u8033\u4e2d\u56fd\u548c\u62dc\u8033\u57fa\u91d1\u4f1a\u5171\u540c\u63a8\u52a8\u7684\u3001\u4ee5\u793e\u4f1a\u521b\u65b0\u8def\u5f84\u54cd\u5e94\u56fd\u5bb6\u517b\u8001\u6218\u7565\u7684\u4e00\u6b21\u91cd\u8981\u5b9e\u8df5\u3002\u6211\u4eec\u5e0c\u671b\u4ee5\u517b\u8001\u7814\u7a76\u9662\u4e0e\u4ea7\u4e1a\u5b66\u9662\u4e3a\u5e73\u53f0\uff0c\u5728\u4eba\u624d\u57f9\u517b\u3001\u6807\u51c6\u5efa\u8bbe\u3001\u652f\u4ed8\u4f53\u7cfb\u7b49\u65b9\u9762\u51dd\u805a\u5408\u529b\uff0c\u52a9\u529b\u6784\u5efa\u66f4\u5177\u97e7\u6027\u7684\u517b\u8001\u670d\u52a1\u751f\u6001\u3002”<\/p>\n

\u5f53\u524d\uff0c\u4e2d\u56fd\u517b\u8001\u670d\u52a1\u6b63\u52a0\u901f\u7531”\u6709\u6ca1\u6709”\u5411”\u597d\u4e0d\u597d”\u8f6c\u578b\uff0c\u793e\u533a\u5d4c\u5165\u5f0f\u670d\u52a1\u3001\u62a4\u7406\u80fd\u529b\u5efa\u8bbe\u3001\u591a\u65b9\u534f\u540c\u6210\u4e3a\u9ad8\u8d28\u91cf\u53d1\u5c55\u7684\u6838\u5fc3\u547d\u9898\u3002”\u5357\u5b81\u6a21\u5f0f”\u4ee5\u4e00\u7ebf\u5b9e\u8df5\u5448\u73b0\u670d\u52a1\u7ec4\u7ec7\u3001\u5bb6\u5ead\u8fde\u63a5\u3001\u4eba\u624d\u57f9\u517b\u7684\u9636\u6bb5\u6027\u7ecf\u9a8c\u3002\u672a\u6765\uff0c\u62dc\u8033\u4e2d\u56fd\u4e0e\u57fa\u91d1\u4f1a\u5c06\u7ee7\u7eed\u652f\u6301\u5357\u5b81\u8bd5\u70b9\u6df1\u5316\u63a2\u7d22\uff0c\u643a\u624b\u653f\u5e9c\u3001\u5b66\u754c\u3001\u884c\u4e1a\u4f19\u4f34\u63a8\u52a8\u7167\u62a4\u4e0e\u793e\u533a\u517b\u8001\u670d\u52a1\u6301\u7eed\u521b\u65b0\uff0c\u4e3a\u56fd\u5bb6\u79ef\u6781\u5e94\u5bf9\u4eba\u53e3\u8001\u9f84\u5316\u8d21\u732e\u53ef\u9a8c\u8bc1\u3001\u53ef\u5bf9\u8bdd\u7684\u57fa\u5c42\u5b9e\u8df5\u3002<\/p>\n

\n<\/div>\n

SOURCE \u62dc\u8033<\/p>","protected":false},"excerpt":{"rendered":"

\u5357\u5b812026\u5e745\u670813\u65e5 \/\u7f8e\u901a\u793e\/ — \u79ef\u6781\u5e94\u5bf9\u4eba\u53e3\u8001\u9f84\u5316\u88ab\u89c6\u4e3a”\u5341\u4e94\u4e94”\u65f6\u671f\u5173\u7cfb\u56fd\u8ba1\u6c11\u751f\u7684\u91cd\u5927\u6218\u7565\u4efb\u52a1\u3002\u968f\u7740\u6211\u56fd\u8001\u9f84\u5316\u8fdb\u7a0b\u6301\u7eed\u63a8\u8fdb\uff0c\u517b\u8001\u670d\u52a1\u4f53\u7cfb\u5efa\u8bbe\u6b63\u7531”\u57fa\u7840\u4fdd\u969c”\u5411”\u9ad8\u8d28\u91cf\u53d1\u5c55”\u8f6c\u578b\u5347\u7ea7\u3002\u4e8e5\u670812\u65e5\u5728\u5e7f\u897f\u5357\u5b81\u4e3e\u529e\u7684”\u5357\u5b81\u6a21\u5f0f\u2022\u517b\u8001\u4ea7\u4e1a\u9ad8\u8d28\u91cf\u53d1\u5c55\u5b66\u672f\u4ea4\u6d41\u4f1a”\u6c47\u805a\u4e86\u653f\u5e9c\u4ee3\u8868\u3001\u56fd\u5185\u5916\u884c\u4e1a\u4e13\u5bb6\u3001\u5b66\u672f\u673a\u6784\u53ca\u4ea7\u4e1a\u4f19\u4f34\uff0c\u5171\u540c\u63a2\u8ba8\u62a4\u7406\u4eba\u624d\u57f9\u517b\u3001\u793e\u533a\u5d4c\u5165\u5f0f\u517b\u8001\u670d\u52a1\u521b\u65b0\u4e0e\u653f\u4f01\u534f\u540c\u7b49\u6838\u5fc3\u8bae\u9898\u3002\u5927\u4f1a\u4e0a\uff0c\u7231\u62a4\u5b81\u4ea7\u4e1a\u5b66\u9662\u66a8\u5df4\u9ece\u4e5d\u5927”\u6574\u5408\u7167\u62a4\u4e0e\u793e\u4f1a\u521b\u65b0\u7814\u7a76\u4e2d\u5fc3”\u6b63\u5f0f\u63ed\u724c\uff0c\u6807\u5fd7\u7740\u4ea7\u6559\u7814\u878d\u5408\u5728\u517b\u8001\u9886\u57df\u8fc8\u51fa\u575a\u5b9e\u6b65\u4f10\u3002 \u62dc\u8033\u5927\u4e2d\u534e\u53ca\u4e1c\u5317\u4e9a\u533a\u4f20\u64ad\u526f\u603b\u88c1\u5f20\u857e\u5973\u58eb\u3001\u62dc\u8033\u57fa\u91d1\u4f1a\u4e9a\u592a\u533a\u8d1f\u8d23\u4eba\u949f\u670b\u535a\u58eb\u3001\u535a\u7ec4\u5ba2\u4e9a\u6d32\u603b\u88c1\u53f8\u5f92\u6587\u535a\u58eb\uff08Dr. Stephan Dyckerhoff\uff09\u3001\u5e7f\u897f\u65b0\u751f\u6d3b\u533b\u517b\u5065\u5eb7\u670d\u52a1\u80a1\u4efd\u6709\u9650\u516c\u53f8\u8463\u4e8b\u957f\u6731\u8363\u82ac\u5973\u58eb\u3001\u5fb7\u56fd\u6d77\u5916\u5546\u4f1a\u8054\u76df\u5927\u4e2d\u534e\u533a\u526f\u603b\u88c1\u5f90\u6676\u6ce2\u5148\u751f\uff0c\u81ea\u6cbb\u533a\u3001\u5357\u5b81\u5e02\u6709\u5173\u90e8\u95e8\u540c\u5fd7\u7b49\u5404\u754c\u4ee3\u8868\u51fa\u5e2d\u4e86\u672c\u6b21\u6d3b\u52a8\u3002 “\u5357\u5b81\u6a21\u5f0f”\u8d4b\u6743\u7167\u62a4\u7406\u5ff5\u52a9\u529b\u884c\u4e1a\u5347\u7ea7 \u636e\u56fd\u5bb6\u7edf\u8ba1\u5c40\u6570\u636e\uff0c\u622a\u81f3 2025 \u5e74\u672b\uff0c\u6211\u56fd 60 \u5c81\u53ca\u4ee5\u4e0a\u4eba\u53e3\u8fbe 3.23 \u4ebf\u4eba\uff0c\u5360\u5168\u56fd\u603b\u4eba\u53e3 23%\u30022021 \u5e74\uff0c\u79ef\u6781\u5e94\u5bf9\u4eba\u53e3\u8001\u9f84\u5316\u88ab\u786e\u7acb\u4e3a\u56fd\u5bb6\u6218\u7565\uff1b”\u5341\u4e94\u4e94” \u89c4\u5212\u6301\u7eed\u52a0\u7801\uff0c\u805a\u7126\u4f18\u5316\u57fa\u672c\u517b\u8001\u670d\u52a1\u3001\u53d1\u5c55\u793e\u533a\u5d4c\u5165\u5f0f\u517b\u8001\u3001\u6df1\u5316\u533b\u517b\u7ed3\u5408\uff0c\u63a8\u52a8\u517b\u8001\u670d\u52a1\u63d0\u8d28\u5347\u7ea7\u3002\u5728\u6b64\u80cc\u666f\u4e0b\uff0c\u5982\u4f55\u5c06\u56fd\u5bb6\u9876\u5c42\u8bbe\u8ba1\u8f6c\u5316\u4e3a\u53ef\u843d\u5730\u3001\u53ef\u6301\u7eed\u7684\u57fa\u5c42\u5b9e\u8df5\uff0c\u5df2\u6210\u4e3a\u884c\u4e1a\u5171\u540c\u9762\u5bf9\u7684\u6838\u5fc3\u8bae\u9898\u3002 \u62dc\u8033\u57fa\u91d1\u4f1a\u652f\u6301\u7684”\u5357\u5b81\u6a21\u5f0f”\u9879\u76ee\u81ea2025\u5e745\u6708\u542f\u52a8\uff0c\u7531\u535a\u7ec4\u5ba2\uff08\u4e2d\u56fd\uff09\u4e0e\u5e7f\u897f\u65b0\u751f\u6d3b\u533b\u517b\u5065\u5eb7\u670d\u52a1\u80a1\u4efd\u6709\u9650\u516c\u53f8\u5408\u4f5c\u6210\u7acb\u7684\u65b0\u535a\u516c\u53f8\u8d1f\u8d23\u5b9e\u65bd\u3002\u9879\u76ee\u805a\u7126\u5931\u80fd\u3001\u6162\u75c5\u3001\u5931\u667a\u957f\u8005\uff0c\u878d\u5408”\u7231\u62a4\u5b81”\u4e0e”\u535a\u7ec4\u5ba2”\u53cc\u54c1\u724c\u4f18\u52bf\uff0c\u843d\u5730\u8377\u5170\u535a\u7ec4\u5ba2\u5c45\u5bb6\u517b\u8001\u7684\u79d1\u5b66\u6a21\u578b\uff0c\u63a8\u52a8\u5c45\u5bb6\u517b\u8001\u670d\u52a1\u5b9e\u73b0\u9ad8\u8d28\u91cf\u4e0e\u9ad8\u6548\u80fd\u53ef\u6301\u7eed\u53d1\u5c55\u3002 “\u5357\u5b81\u6a21\u5f0f”\u533a\u522b\u4e8e\u4f20\u7edf”\u88ab\u52a8\u7167\u62a4”\uff0c\u79c9\u6301”\u91cd\u7115\u6d3b\u529b\u3001\u81ea\u4e3b\u751f\u6d3b”\u7684\u8d4b\u6743\u7167\u62a4\u7406\u5ff5\uff0c\u5c06\u670d\u52a1\u91cd\u5fc3\u7531”\u66ff\u4ee3\u6027\u7167\u6599”\u8f6c\u4e3a”\u80fd\u529b\u7ef4\u62a4\u4e0e\u6062\u590d”\u3002\u9879\u76ee\u4f9d\u6258\u8de8\u4e13\u4e1a\u56e2\u961f\u53ca\u535a\u7ec4\u5ba2\u5965\u9a6c\u54c8\u7cfb\u7edf\u8bc4\u4f30\u5de5\u5177\uff0c\u4e3a\u6bcf\u4f4d\u957f\u8005\u5236\u5b9a\u4e2a\u6027\u5316\u7167\u62a4\u8ba1\u5212\uff0c\u901a\u8fc7\u5bb6\u5ead\u534f\u540c\u673a\u5236\u786e\u4fdd\u7167\u62a4\u65b9\u6848\u6301\u7eed\u843d\u5730\u3002\u622a\u6b62\u9879\u76ee\u5468\u671f\u7ed3\u675f\uff0c\u4e09\u4e2a\u9636\u6bb5\u7d2f\u8ba1\u5b8c\u6210\u8bc4\u4f30290\u4eba\u6b21\uff0c\u7b5b\u9009246\u4eba\u5165\u7ec4\uff0c\u7d2f\u8ba1\u6709\u6548\u63a8\u8fdb\u6848\u4f8b204\u4f8b\uff0c\u5065\u5eb7\u5206\u503c\u5e73\u5747\u6539\u5584\u7387\u8fbe60.03%\u3002\u6708\u5747\u670d\u52a1\u8d39\u7528\u76f8\u6bd4\u673a\u6784\u517b\u8001\u964d\u4f4e70%\uff0c\u76f8\u6bd4\u957f\u62a4\u9669\u964d\u4f4e20%\uff0c\u6709\u529b\u9a8c\u8bc1\u4e86”\u4f4e\u6210\u672c\u3001\u9ad8\u54c1\u8d28”\u5c45\u5bb6\u7167\u62a4\u8def\u5f84\u7684\u53ef\u884c\u6027\u3002 \u591a\u65b9\u534f\u540c\u521b\u65b0 \u6784\u5efa\u4eba\u624d\u4e0e\u4ea7\u4e1a\u751f\u6001 \u4eba\u624d\u57f9\u517b\u8d2f\u7a7f\u9879\u76ee\u5168\u7a0b\u3002\u5357\u5b81\u56e2\u961f\u5efa\u7acb\u65e5\u3001\u5468\u3001\u6708\u8054\u52a8\u590d\u76d8\u673a\u5236\uff0c\u901a\u8fc7”\u65b0\u8001\u7ed3\u5bf9”\u6a21\u5f0f\uff0c\u5c06\u5965\u9a6c\u54c8\u8bc4\u4f30\u5de5\u5177\u5e94\u7528\u3001\u6848\u4f8b\u7814\u8ba8\u4e0e\u4e00\u7ebf\u5b9e\u64cd\u7ed3\u5408\uff0c\u521d\u6b65\u6253\u9020\u4e00\u652f\u672c\u571f\u5316\u6574\u5408\u62a4\u7406\u961f\u4f0d\u3002\u5927\u4f1a\u540c\u671f\u4e3e\u529e\u4e86”\u517b\u8001\u62a4\u7406\u4eba\u5458\u80fd\u529b\u5efa\u8bbe\u7684\u6311\u6218\u548c\u673a\u9047”\u5706\u684c\u8ba8\u8bba\uff0c\u6765\u81ea\u653f\u5e9c\u3001\u9662\u6821\u3001\u884c\u4e1a\u4e13\u5bb6\u4e00\u81f4\u8ba4\u4e3a\uff0c\u6559\u80b2\u94fe\u3001\u4eba\u624d\u94fe\u3001\u670d\u52a1\u94fe\u6df1\u5ea6\u878d\u5408\uff0c\u662f\u63d0\u5347\u793e\u533a\u5c45\u5bb6\u517b\u8001\u4e13\u4e1a\u80fd\u529b\u7684\u5173\u952e\u3002\u4ea7\u4e1a\u5b66\u9662\u3001\u7167\u62a4\u4e0e\u793e\u4f1a\u521b\u65b0\u7814\u7a76\u4e2d\u5fc3\u7684\u63ed\u724c\uff0c\u8fdb\u4e00\u6b65\u4e3a\u884c\u4e1a\u8d4b\u80fd\u3002 \u62dc\u8033\u57fa\u91d1\u4f1a\u4e9a\u592a\u533a\u8d1f\u8d23\u4eba\u949f\u670b\u535a\u58eb\u8fdb\u4e00\u6b65\u9610\u91ca\u4e86\u9879\u76ee\u80cc\u540e\u7684\u793e\u4f1a\u521b\u65b0\u903b\u8f91\uff1a” ‘\u5357\u5b81\u6a21\u5f0f’\u5e76\u672a\u7b80\u5355\u590d\u5236\u8377\u5170\u535a\u7ec4\u5ba2\u7684\u56fd\u9645\u7ecf\u9a8c\uff0c\u800c\u662f\u5145\u5206\u7ed3\u5408\u4e2d\u56fd\u5bb6\u5ead\u7ed3\u6784\u3001\u793e\u533a\u7ec4\u7ec7\u65b9\u5f0f\u4e0e\u672c\u5730\u653f\u7b56\u73af\u5883\u8fdb\u884c\u4e86\u878d\u5408\u521b\u65b0\u3002\u6211\u4eec\u6b23\u559c\u5730\u770b\u5230\uff0c\u9879\u76ee\u5728\u670d\u52a1\u957f\u8005\u7684\u540c\u65f6\uff0c\u4e5f\u901a\u8fc7\u7cfb\u7edf\u57f9\u8bad\u4e3a\u63d0\u5347\u5973\u6027\u5728\u7167\u62a4\u9886\u57df\u7684\u804c\u4e1a\u53d1\u5c55\u7a7a\u95f4\uff0c\u8d4b\u80fd\u5979\u4eec\u83b7\u5f97\u66f4\u591a\u5c31\u4e1a\u673a\u4f1a\u5e76\u6301\u7eed\u589e\u52a0\u6536\u5165\uff0c\u5f62\u6210\u670d\u52a1\u957f\u8005\u4e0e\u8d4b\u80fd\u793e\u533a\u5e76\u884c\u7684\u53cc\u91cd\u793e\u4f1a\u4ef7\u503c\u3002” \u535a\u7ec4\u5ba2\u4e9a\u6d32\u603b\u88c1\u53f8\u5f92\u6587\u535a\u58eb\u8868\u793a\uff1a”\u535a\u7ec4\u5ba2\u59cb\u7ec8\u76f8\u4fe1\uff0c\u9ad8\u8d28\u91cf\u5c45\u5bb6\u7167\u62a4\u7684\u5173\u952e\uff0c\u4e0d\u662f\u7b80\u5355\u66ff\u8001\u4eba\u5b8c\u6210\u4e8b\u60c5\uff0c\u800c\u662f\u901a\u8fc7\u4e13\u4e1a\u8bc4\u4f30\u3001\u4e2a\u6027\u5316\u8ba1\u5212\u548c\u5bb6\u5ead\u8d4b\u80fd\uff0c\u5e2e\u52a9\u957f\u8005\u5c3d\u53ef\u80fd\u7ef4\u6301\u548c\u6062\u590d\u81ea\u4e3b\u751f\u6d3b\u80fd\u529b\u3002\u5728’\u5357\u5b81\u6a21\u5f0f’\u4e2d\uff0c\u6211\u4eec\u4e0e\u62dc\u8033\u57fa\u91d1\u4f1a\u3001\u65b0\u751f\u6d3b\u56e2\u961f\u7d27\u5bc6\u534f\u4f5c\uff0c\u5c06\u8377\u5170\u793e\u533a\u5c45\u5bb6\u7167\u62a4\u7ecf\u9a8c\u4e0e\u5357\u5b81\u672c\u5730\u5b9e\u8df5\u76f8\u7ed3\u5408\uff0c\u63a8\u52a8\u5965\u9a6c\u54c8\u7cfb\u7edf\u8bc4\u4f30\u3001\u8de8\u4e13\u4e1a\u56e2\u961f\u534f\u4f5c\u548c\u6301\u7eed\u590d\u76d8\u673a\u5236\u843d\u5730\uff0c\u57f9\u517b\u672c\u571f\u5316\u4e13\u4e1a\u7167\u62a4\u961f\u4f0d\uff0c\u5171\u540c\u63a2\u7d22\u53ef\u590d\u5236\u3001\u53ef\u6301\u7eed\u7684\u793e\u533a\u5c45\u5bb6\u517b\u8001\u65b0\u8def\u5f84\u3002” \u5e7f\u897f\u65b0\u751f\u6d3b\u533b\u517b\u5065\u5eb7\u670d\u52a1\u80a1\u4efd\u6709\u9650\u516c\u53f8\u8463\u4e8b\u957f\u6731\u8363\u82ac\u8868\u793a\uff1a”\u4f5c\u4e3a\u6df1\u8015\u533b\u517b\u5065\u5eb7\u9886\u57df\u7684\u672c\u571f\u4f01\u4e1a\uff0c\u65b0\u751f\u6d3b\u7231\u62a4\u5b81\u54c1\u724c\u59cb\u7ec8\u575a\u5b88’\u4ee5\u66f4\u4f4e\u7684\u8d39\u7528\uff0c\u63d0\u4f9b\u66f4\u597d\u7684\u7167\u62a4’\u7684\u521d\u5fc3\u4e0e\u4f7f\u547d\u3002\u672c\u6b21\u4e0e\u62dc\u8033\u57fa\u91d1\u4f1a\u3001\u8377\u5170\u535a\u7ec4\u5ba2\u5171\u540c\u6253\u9020’\u5357\u5b81\u6a21\u5f0f’\uff0c\u662f’\u7231\u62a4\u5b81+’\u6218\u7565\u7684\u91cd\u8981\u5b9e\u8df5\uff0c\u4e5f\u662f\u6211\u4eec\u6784\u5efa’\u4e50\u517b\u3001\u533b\u517b\u3001\u667a\u517b\u3001\u5b89\u517b’\u56db\u517b\u4f53\u7cfb\u7684\u5173\u952e\u7a81\u7834\u3002\u6211\u4eec\u4e0d\u4ec5\u81f4\u529b\u4e8e\u4e3a\u957f\u8005\u63d0\u4f9b\u6709\u5c0a\u4e25\u3001\u9ad8\u54c1\u8d28\u7684\u5c45\u5bb6\u7167\u62a4\uff0c\u66f4\u5e0c\u671b\u4ee5\u7231\u62a4\u5b81\u4ea7\u4e1a\u5b66\u9662\u3001\u65b0\u751f\u6d3b\u7814\u7a76\u9662\u4e3a\u5e73\u53f0\uff0c\u6df1\u5316\u4ea7\u6559\u7814\u878d\u5408\uff0c\u8054\u52a8\u653f\u5e9c\u3001\u9662\u6821\u3001\u884c\u4e1a\u4f19\u4f34\uff0c\u63a8\u52a8\u517b\u8001\u4eba\u624d\u57f9\u517b\u3001\u670d\u52a1\u6807\u51c6\u5347\u7ea7\u4e0e\u4ea7\u4e1a\u751f\u6001\u6784\u5efa\uff0c\u4e3a\u4e2d\u56fd\u79ef\u6781\u5e94\u5bf9\u4eba\u53e3\u8001\u9f84\u5316\u8d21\u732e\u672c\u571f\u4f01\u4e1a\u529b\u91cf\u3002” \u4f01\u4e1a\u793e\u4f1a\u8d23\u4efb\u4e0e\u6a21\u5f0f\u521b\u65b0\u52a9\u529b\u56fd\u5bb6\u6218\u7565 \u5728\u63a2\u7d22\u8def\u5f84\u4e0a\uff0c”\u5357\u5b81\u6a21\u5f0f”\u5e76\u672a\u6b62\u6b65\u4e8e\u670d\u52a1\u4f9b\u7ed9\u672c\u8eab\u3002\u62dc\u8033\u5927\u4e2d\u534e\u53ca\u4e1c\u5317\u4e9a\u533a\u4f20\u64ad\u526f\u603b\u88c1\u5f20\u857e\u6307\u51fa\uff0c\u62dc\u8033\u6b63\u5c06\u4f01\u4e1a\u4f7f\u547d\u4e0e\u4e2d\u56fd\u8001\u9f84\u5316\u793e\u4f1a\u7684\u6df1\u5c42\u9700\u6c42\u8fdb\u884c\u66f4\u7d27\u5bc6\u7684\u7ed3\u5408\uff0c\u5979\u8868\u793a\uff1a”\u4e2d\u56fd\u4eba\u53e3\u7ed3\u6784\u6b63\u53d1\u751f\u6df1\u523b\u53d8\u5316\uff0c\u517b\u8001\u670d\u52a1\u4f53\u7cfb\u7684\u9ad8\u8d28\u91cf\u53d1\u5c55\u4e0d\u4ec5\u662f\u793e\u4f1a\u8bae\u9898\uff0c\u66f4\u662f\u9700\u8981\u591a\u65b9\u534f\u540c\u53c2\u4e0e\u7684\u7cfb\u7edf\u5de5\u7a0b\u3002\u62dc\u8033’\u5171\u4eab\u5065\u5eb7\uff0c\u6d88\u9664\u9965\u997f’\u7684\u4f7f\u547d\uff0c\u4e0d\u4ec5\u4f53\u73b0\u5728\u4ea7\u54c1\u4e0e\u6280\u672f\u521b\u65b0\u9886\u57df\uff0c\u4e5f\u6b63\u5728\u5ef6\u4f38\u81f3\u6a21\u5f0f\u521b\u65b0\u4e0e\u793e\u4f1a\u521b\u65b0\u3002’\u5357\u5b81\u6a21\u5f0f’\u662f\u62dc\u8033\u4e2d\u56fd\u548c\u62dc\u8033\u57fa\u91d1\u4f1a\u5171\u540c\u63a8\u52a8\u7684\u3001\u4ee5\u793e\u4f1a\u521b\u65b0\u8def\u5f84\u54cd\u5e94\u56fd\u5bb6\u517b\u8001\u6218\u7565\u7684\u4e00\u6b21\u91cd\u8981\u5b9e\u8df5\u3002\u6211\u4eec\u5e0c\u671b\u4ee5\u517b\u8001\u7814\u7a76\u9662\u4e0e\u4ea7\u4e1a\u5b66\u9662\u4e3a\u5e73\u53f0\uff0c\u5728\u4eba\u624d\u57f9\u517b\u3001\u6807\u51c6\u5efa\u8bbe\u3001\u652f\u4ed8\u4f53\u7cfb\u7b49\u65b9\u9762\u51dd\u805a\u5408\u529b\uff0c\u52a9\u529b\u6784\u5efa\u66f4\u5177\u97e7\u6027\u7684\u517b\u8001\u670d\u52a1\u751f\u6001\u3002” \u5f53\u524d\uff0c\u4e2d\u56fd\u517b\u8001\u670d\u52a1\u6b63\u52a0\u901f\u7531”\u6709\u6ca1\u6709”\u5411”\u597d\u4e0d\u597d”\u8f6c\u578b\uff0c\u793e\u533a\u5d4c\u5165\u5f0f\u670d\u52a1\u3001\u62a4\u7406\u80fd\u529b\u5efa\u8bbe\u3001\u591a\u65b9\u534f\u540c\u6210\u4e3a\u9ad8\u8d28\u91cf\u53d1\u5c55\u7684\u6838\u5fc3\u547d\u9898\u3002”\u5357\u5b81\u6a21\u5f0f”\u4ee5\u4e00\u7ebf\u5b9e\u8df5\u5448\u73b0\u670d\u52a1\u7ec4\u7ec7\u3001\u5bb6\u5ead\u8fde\u63a5\u3001\u4eba\u624d\u57f9\u517b\u7684\u9636\u6bb5\u6027\u7ecf\u9a8c\u3002\u672a\u6765\uff0c\u62dc\u8033\u4e2d\u56fd\u4e0e\u57fa\u91d1\u4f1a\u5c06\u7ee7\u7eed\u652f\u6301\u5357\u5b81\u8bd5\u70b9\u6df1\u5316\u63a2\u7d22\uff0c\u643a\u624b\u653f\u5e9c\u3001\u5b66\u754c\u3001\u884c\u4e1a\u4f19\u4f34\u63a8\u52a8\u7167\u62a4\u4e0e\u793e\u533a\u517b\u8001\u670d\u52a1\u6301\u7eed\u521b\u65b0\uff0c\u4e3a\u56fd\u5bb6\u79ef\u6781\u5e94\u5bf9\u4eba\u53e3\u8001\u9f84\u5316\u8d21\u732e\u53ef\u9a8c\u8bc1\u3001\u53ef\u5bf9\u8bdd\u7684\u57fa\u5c42\u5b9e\u8df5\u3002 SOURCE \u62dc\u8033<\/p>\n","protected":false},"author":0,"featured_media":24231,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[],"class_list":["post-24230","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pr-newswire"],"yoast_head":"\n\u521b\u65b0\u9a71\u52a8\u53d1\u5c55\uff1a\u62dc\u8033\u57fa\u91d1\u4f1a"\u5357\u5b81\u6a21\u5f0f"\u52a9\u529b\u517b\u8001\u670d\u52a1\u9ad8\u8d28\u91cf\u5347\u7ea7 - 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\/\u521b\u65b0\u9a71\u52a8\u53d1\u5c55\uff1a\u62dc\u8033\u57fa\u91d1\u4f1a\u5357\u5b81\u6a21\u5f0f\u52a9\u529b\u517b\u8001\u670d\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u521b\u65b0\u9a71\u52a8\u53d1\u5c55\uff1a\u62dc\u8033\u57fa\u91d1\u4f1a"\u5357\u5b81\u6a21\u5f0f"\u52a9\u529b\u517b\u8001\u670d\u52a1\u9ad8\u8d28\u91cf\u5347\u7ea7 - Money Compass CN\" \/>\n<meta property=\"og:description\" content=\"\u5357\u5b812026\u5e745\u670813\u65e5 \/\u7f8e\u901a\u793e\/ — \u79ef\u6781\u5e94\u5bf9\u4eba\u53e3\u8001\u9f84\u5316\u88ab\u89c6\u4e3a”\u5341\u4e94\u4e94”\u65f6\u671f\u5173\u7cfb\u56fd\u8ba1\u6c11\u751f\u7684\u91cd\u5927\u6218\u7565\u4efb\u52a1\u3002\u968f\u7740\u6211\u56fd\u8001\u9f84\u5316\u8fdb\u7a0b\u6301\u7eed\u63a8\u8fdb\uff0c\u517b\u8001\u670d\u52a1\u4f53\u7cfb\u5efa\u8bbe\u6b63\u7531”\u57fa\u7840\u4fdd\u969c”\u5411”\u9ad8\u8d28\u91cf\u53d1\u5c55”\u8f6c\u578b\u5347\u7ea7\u3002\u4e8e5\u670812\u65e5\u5728\u5e7f\u897f\u5357\u5b81\u4e3e\u529e\u7684”\u5357\u5b81\u6a21\u5f0f\u2022\u517b\u8001\u4ea7\u4e1a\u9ad8\u8d28\u91cf\u53d1\u5c55\u5b66\u672f\u4ea4\u6d41\u4f1a”\u6c47\u805a\u4e86\u653f\u5e9c\u4ee3\u8868\u3001\u56fd\u5185\u5916\u884c\u4e1a\u4e13\u5bb6\u3001\u5b66\u672f\u673a\u6784\u53ca\u4ea7\u4e1a\u4f19\u4f34\uff0c\u5171\u540c\u63a2\u8ba8\u62a4\u7406\u4eba\u624d\u57f9\u517b\u3001\u793e\u533a\u5d4c\u5165\u5f0f\u517b\u8001\u670d\u52a1\u521b\u65b0\u4e0e\u653f\u4f01\u534f\u540c\u7b49\u6838\u5fc3\u8bae\u9898\u3002\u5927\u4f1a\u4e0a\uff0c\u7231\u62a4\u5b81\u4ea7\u4e1a\u5b66\u9662\u66a8\u5df4\u9ece\u4e5d\u5927”\u6574\u5408\u7167\u62a4\u4e0e\u793e\u4f1a\u521b\u65b0\u7814\u7a76\u4e2d\u5fc3”\u6b63\u5f0f\u63ed\u724c\uff0c\u6807\u5fd7\u7740\u4ea7\u6559\u7814\u878d\u5408\u5728\u517b\u8001\u9886\u57df\u8fc8\u51fa\u575a\u5b9e\u6b65\u4f10\u3002 \u62dc\u8033\u5927\u4e2d\u534e\u53ca\u4e1c\u5317\u4e9a\u533a\u4f20\u64ad\u526f\u603b\u88c1\u5f20\u857e\u5973\u58eb\u3001\u62dc\u8033\u57fa\u91d1\u4f1a\u4e9a\u592a\u533a\u8d1f\u8d23\u4eba\u949f\u670b\u535a\u58eb\u3001\u535a\u7ec4\u5ba2\u4e9a\u6d32\u603b\u88c1\u53f8\u5f92\u6587\u535a\u58eb\uff08Dr. Stephan Dyckerhoff\uff09\u3001\u5e7f\u897f\u65b0\u751f\u6d3b\u533b\u517b\u5065\u5eb7\u670d\u52a1\u80a1\u4efd\u6709\u9650\u516c\u53f8\u8463\u4e8b\u957f\u6731\u8363\u82ac\u5973\u58eb\u3001\u5fb7\u56fd\u6d77\u5916\u5546\u4f1a\u8054\u76df\u5927\u4e2d\u534e\u533a\u526f\u603b\u88c1\u5f90\u6676\u6ce2\u5148\u751f\uff0c\u81ea\u6cbb\u533a\u3001\u5357\u5b81\u5e02\u6709\u5173\u90e8\u95e8\u540c\u5fd7\u7b49\u5404\u754c\u4ee3\u8868\u51fa\u5e2d\u4e86\u672c\u6b21\u6d3b\u52a8\u3002 “\u5357\u5b81\u6a21\u5f0f”\u8d4b\u6743\u7167\u62a4\u7406\u5ff5\u52a9\u529b\u884c\u4e1a\u5347\u7ea7 \u636e\u56fd\u5bb6\u7edf\u8ba1\u5c40\u6570\u636e\uff0c\u622a\u81f3 2025 \u5e74\u672b\uff0c\u6211\u56fd 60 \u5c81\u53ca\u4ee5\u4e0a\u4eba\u53e3\u8fbe 3.23 \u4ebf\u4eba\uff0c\u5360\u5168\u56fd\u603b\u4eba\u53e3 23%\u30022021 \u5e74\uff0c\u79ef\u6781\u5e94\u5bf9\u4eba\u53e3\u8001\u9f84\u5316\u88ab\u786e\u7acb\u4e3a\u56fd\u5bb6\u6218\u7565\uff1b”\u5341\u4e94\u4e94” \u89c4\u5212\u6301\u7eed\u52a0\u7801\uff0c\u805a\u7126\u4f18\u5316\u57fa\u672c\u517b\u8001\u670d\u52a1\u3001\u53d1\u5c55\u793e\u533a\u5d4c\u5165\u5f0f\u517b\u8001\u3001\u6df1\u5316\u533b\u517b\u7ed3\u5408\uff0c\u63a8\u52a8\u517b\u8001\u670d\u52a1\u63d0\u8d28\u5347\u7ea7\u3002\u5728\u6b64\u80cc\u666f\u4e0b\uff0c\u5982\u4f55\u5c06\u56fd\u5bb6\u9876\u5c42\u8bbe\u8ba1\u8f6c\u5316\u4e3a\u53ef\u843d\u5730\u3001\u53ef\u6301\u7eed\u7684\u57fa\u5c42\u5b9e\u8df5\uff0c\u5df2\u6210\u4e3a\u884c\u4e1a\u5171\u540c\u9762\u5bf9\u7684\u6838\u5fc3\u8bae\u9898\u3002 \u62dc\u8033\u57fa\u91d1\u4f1a\u652f\u6301\u7684”\u5357\u5b81\u6a21\u5f0f”\u9879\u76ee\u81ea2025\u5e745\u6708\u542f\u52a8\uff0c\u7531\u535a\u7ec4\u5ba2\uff08\u4e2d\u56fd\uff09\u4e0e\u5e7f\u897f\u65b0\u751f\u6d3b\u533b\u517b\u5065\u5eb7\u670d\u52a1\u80a1\u4efd\u6709\u9650\u516c\u53f8\u5408\u4f5c\u6210\u7acb\u7684\u65b0\u535a\u516c\u53f8\u8d1f\u8d23\u5b9e\u65bd\u3002\u9879\u76ee\u805a\u7126\u5931\u80fd\u3001\u6162\u75c5\u3001\u5931\u667a\u957f\u8005\uff0c\u878d\u5408”\u7231\u62a4\u5b81”\u4e0e”\u535a\u7ec4\u5ba2”\u53cc\u54c1\u724c\u4f18\u52bf\uff0c\u843d\u5730\u8377\u5170\u535a\u7ec4\u5ba2\u5c45\u5bb6\u517b\u8001\u7684\u79d1\u5b66\u6a21\u578b\uff0c\u63a8\u52a8\u5c45\u5bb6\u517b\u8001\u670d\u52a1\u5b9e\u73b0\u9ad8\u8d28\u91cf\u4e0e\u9ad8\u6548\u80fd\u53ef\u6301\u7eed\u53d1\u5c55\u3002 “\u5357\u5b81\u6a21\u5f0f”\u533a\u522b\u4e8e\u4f20\u7edf”\u88ab\u52a8\u7167\u62a4”\uff0c\u79c9\u6301”\u91cd\u7115\u6d3b\u529b\u3001\u81ea\u4e3b\u751f\u6d3b”\u7684\u8d4b\u6743\u7167\u62a4\u7406\u5ff5\uff0c\u5c06\u670d\u52a1\u91cd\u5fc3\u7531”\u66ff\u4ee3\u6027\u7167\u6599”\u8f6c\u4e3a”\u80fd\u529b\u7ef4\u62a4\u4e0e\u6062\u590d”\u3002\u9879\u76ee\u4f9d\u6258\u8de8\u4e13\u4e1a\u56e2\u961f\u53ca\u535a\u7ec4\u5ba2\u5965\u9a6c\u54c8\u7cfb\u7edf\u8bc4\u4f30\u5de5\u5177\uff0c\u4e3a\u6bcf\u4f4d\u957f\u8005\u5236\u5b9a\u4e2a\u6027\u5316\u7167\u62a4\u8ba1\u5212\uff0c\u901a\u8fc7\u5bb6\u5ead\u534f\u540c\u673a\u5236\u786e\u4fdd\u7167\u62a4\u65b9\u6848\u6301\u7eed\u843d\u5730\u3002\u622a\u6b62\u9879\u76ee\u5468\u671f\u7ed3\u675f\uff0c\u4e09\u4e2a\u9636\u6bb5\u7d2f\u8ba1\u5b8c\u6210\u8bc4\u4f30290\u4eba\u6b21\uff0c\u7b5b\u9009246\u4eba\u5165\u7ec4\uff0c\u7d2f\u8ba1\u6709\u6548\u63a8\u8fdb\u6848\u4f8b204\u4f8b\uff0c\u5065\u5eb7\u5206\u503c\u5e73\u5747\u6539\u5584\u7387\u8fbe60.03%\u3002\u6708\u5747\u670d\u52a1\u8d39\u7528\u76f8\u6bd4\u673a\u6784\u517b\u8001\u964d\u4f4e70%\uff0c\u76f8\u6bd4\u957f\u62a4\u9669\u964d\u4f4e20%\uff0c\u6709\u529b\u9a8c\u8bc1\u4e86”\u4f4e\u6210\u672c\u3001\u9ad8\u54c1\u8d28”\u5c45\u5bb6\u7167\u62a4\u8def\u5f84\u7684\u53ef\u884c\u6027\u3002 \u591a\u65b9\u534f\u540c\u521b\u65b0 \u6784\u5efa\u4eba\u624d\u4e0e\u4ea7\u4e1a\u751f\u6001 \u4eba\u624d\u57f9\u517b\u8d2f\u7a7f\u9879\u76ee\u5168\u7a0b\u3002\u5357\u5b81\u56e2\u961f\u5efa\u7acb\u65e5\u3001\u5468\u3001\u6708\u8054\u52a8\u590d\u76d8\u673a\u5236\uff0c\u901a\u8fc7”\u65b0\u8001\u7ed3\u5bf9”\u6a21\u5f0f\uff0c\u5c06\u5965\u9a6c\u54c8\u8bc4\u4f30\u5de5\u5177\u5e94\u7528\u3001\u6848\u4f8b\u7814\u8ba8\u4e0e\u4e00\u7ebf\u5b9e\u64cd\u7ed3\u5408\uff0c\u521d\u6b65\u6253\u9020\u4e00\u652f\u672c\u571f\u5316\u6574\u5408\u62a4\u7406\u961f\u4f0d\u3002\u5927\u4f1a\u540c\u671f\u4e3e\u529e\u4e86”\u517b\u8001\u62a4\u7406\u4eba\u5458\u80fd\u529b\u5efa\u8bbe\u7684\u6311\u6218\u548c\u673a\u9047”\u5706\u684c\u8ba8\u8bba\uff0c\u6765\u81ea\u653f\u5e9c\u3001\u9662\u6821\u3001\u884c\u4e1a\u4e13\u5bb6\u4e00\u81f4\u8ba4\u4e3a\uff0c\u6559\u80b2\u94fe\u3001\u4eba\u624d\u94fe\u3001\u670d\u52a1\u94fe\u6df1\u5ea6\u878d\u5408\uff0c\u662f\u63d0\u5347\u793e\u533a\u5c45\u5bb6\u517b\u8001\u4e13\u4e1a\u80fd\u529b\u7684\u5173\u952e\u3002\u4ea7\u4e1a\u5b66\u9662\u3001\u7167\u62a4\u4e0e\u793e\u4f1a\u521b\u65b0\u7814\u7a76\u4e2d\u5fc3\u7684\u63ed\u724c\uff0c\u8fdb\u4e00\u6b65\u4e3a\u884c\u4e1a\u8d4b\u80fd\u3002 \u62dc\u8033\u57fa\u91d1\u4f1a\u4e9a\u592a\u533a\u8d1f\u8d23\u4eba\u949f\u670b\u535a\u58eb\u8fdb\u4e00\u6b65\u9610\u91ca\u4e86\u9879\u76ee\u80cc\u540e\u7684\u793e\u4f1a\u521b\u65b0\u903b\u8f91\uff1a” ‘\u5357\u5b81\u6a21\u5f0f’\u5e76\u672a\u7b80\u5355\u590d\u5236\u8377\u5170\u535a\u7ec4\u5ba2\u7684\u56fd\u9645\u7ecf\u9a8c\uff0c\u800c\u662f\u5145\u5206\u7ed3\u5408\u4e2d\u56fd\u5bb6\u5ead\u7ed3\u6784\u3001\u793e\u533a\u7ec4\u7ec7\u65b9\u5f0f\u4e0e\u672c\u5730\u653f\u7b56\u73af\u5883\u8fdb\u884c\u4e86\u878d\u5408\u521b\u65b0\u3002\u6211\u4eec\u6b23\u559c\u5730\u770b\u5230\uff0c\u9879\u76ee\u5728\u670d\u52a1\u957f\u8005\u7684\u540c\u65f6\uff0c\u4e5f\u901a\u8fc7\u7cfb\u7edf\u57f9\u8bad\u4e3a\u63d0\u5347\u5973\u6027\u5728\u7167\u62a4\u9886\u57df\u7684\u804c\u4e1a\u53d1\u5c55\u7a7a\u95f4\uff0c\u8d4b\u80fd\u5979\u4eec\u83b7\u5f97\u66f4\u591a\u5c31\u4e1a\u673a\u4f1a\u5e76\u6301\u7eed\u589e\u52a0\u6536\u5165\uff0c\u5f62\u6210\u670d\u52a1\u957f\u8005\u4e0e\u8d4b\u80fd\u793e\u533a\u5e76\u884c\u7684\u53cc\u91cd\u793e\u4f1a\u4ef7\u503c\u3002” \u535a\u7ec4\u5ba2\u4e9a\u6d32\u603b\u88c1\u53f8\u5f92\u6587\u535a\u58eb\u8868\u793a\uff1a”\u535a\u7ec4\u5ba2\u59cb\u7ec8\u76f8\u4fe1\uff0c\u9ad8\u8d28\u91cf\u5c45\u5bb6\u7167\u62a4\u7684\u5173\u952e\uff0c\u4e0d\u662f\u7b80\u5355\u66ff\u8001\u4eba\u5b8c\u6210\u4e8b\u60c5\uff0c\u800c\u662f\u901a\u8fc7\u4e13\u4e1a\u8bc4\u4f30\u3001\u4e2a\u6027\u5316\u8ba1\u5212\u548c\u5bb6\u5ead\u8d4b\u80fd\uff0c\u5e2e\u52a9\u957f\u8005\u5c3d\u53ef\u80fd\u7ef4\u6301\u548c\u6062\u590d\u81ea\u4e3b\u751f\u6d3b\u80fd\u529b\u3002\u5728’\u5357\u5b81\u6a21\u5f0f’\u4e2d\uff0c\u6211\u4eec\u4e0e\u62dc\u8033\u57fa\u91d1\u4f1a\u3001\u65b0\u751f\u6d3b\u56e2\u961f\u7d27\u5bc6\u534f\u4f5c\uff0c\u5c06\u8377\u5170\u793e\u533a\u5c45\u5bb6\u7167\u62a4\u7ecf\u9a8c\u4e0e\u5357\u5b81\u672c\u5730\u5b9e\u8df5\u76f8\u7ed3\u5408\uff0c\u63a8\u52a8\u5965\u9a6c\u54c8\u7cfb\u7edf\u8bc4\u4f30\u3001\u8de8\u4e13\u4e1a\u56e2\u961f\u534f\u4f5c\u548c\u6301\u7eed\u590d\u76d8\u673a\u5236\u843d\u5730\uff0c\u57f9\u517b\u672c\u571f\u5316\u4e13\u4e1a\u7167\u62a4\u961f\u4f0d\uff0c\u5171\u540c\u63a2\u7d22\u53ef\u590d\u5236\u3001\u53ef\u6301\u7eed\u7684\u793e\u533a\u5c45\u5bb6\u517b\u8001\u65b0\u8def\u5f84\u3002” \u5e7f\u897f\u65b0\u751f\u6d3b\u533b\u517b\u5065\u5eb7\u670d\u52a1\u80a1\u4efd\u6709\u9650\u516c\u53f8\u8463\u4e8b\u957f\u6731\u8363\u82ac\u8868\u793a\uff1a”\u4f5c\u4e3a\u6df1\u8015\u533b\u517b\u5065\u5eb7\u9886\u57df\u7684\u672c\u571f\u4f01\u4e1a\uff0c\u65b0\u751f\u6d3b\u7231\u62a4\u5b81\u54c1\u724c\u59cb\u7ec8\u575a\u5b88’\u4ee5\u66f4\u4f4e\u7684\u8d39\u7528\uff0c\u63d0\u4f9b\u66f4\u597d\u7684\u7167\u62a4’\u7684\u521d\u5fc3\u4e0e\u4f7f\u547d\u3002\u672c\u6b21\u4e0e\u62dc\u8033\u57fa\u91d1\u4f1a\u3001\u8377\u5170\u535a\u7ec4\u5ba2\u5171\u540c\u6253\u9020’\u5357\u5b81\u6a21\u5f0f’\uff0c\u662f’\u7231\u62a4\u5b81+’\u6218\u7565\u7684\u91cd\u8981\u5b9e\u8df5\uff0c\u4e5f\u662f\u6211\u4eec\u6784\u5efa’\u4e50\u517b\u3001\u533b\u517b\u3001\u667a\u517b\u3001\u5b89\u517b’\u56db\u517b\u4f53\u7cfb\u7684\u5173\u952e\u7a81\u7834\u3002\u6211\u4eec\u4e0d\u4ec5\u81f4\u529b\u4e8e\u4e3a\u957f\u8005\u63d0\u4f9b\u6709\u5c0a\u4e25\u3001\u9ad8\u54c1\u8d28\u7684\u5c45\u5bb6\u7167\u62a4\uff0c\u66f4\u5e0c\u671b\u4ee5\u7231\u62a4\u5b81\u4ea7\u4e1a\u5b66\u9662\u3001\u65b0\u751f\u6d3b\u7814\u7a76\u9662\u4e3a\u5e73\u53f0\uff0c\u6df1\u5316\u4ea7\u6559\u7814\u878d\u5408\uff0c\u8054\u52a8\u653f\u5e9c\u3001\u9662\u6821\u3001\u884c\u4e1a\u4f19\u4f34\uff0c\u63a8\u52a8\u517b\u8001\u4eba\u624d\u57f9\u517b\u3001\u670d\u52a1\u6807\u51c6\u5347\u7ea7\u4e0e\u4ea7\u4e1a\u751f\u6001\u6784\u5efa\uff0c\u4e3a\u4e2d\u56fd\u79ef\u6781\u5e94\u5bf9\u4eba\u53e3\u8001\u9f84\u5316\u8d21\u732e\u672c\u571f\u4f01\u4e1a\u529b\u91cf\u3002” \u4f01\u4e1a\u793e\u4f1a\u8d23\u4efb\u4e0e\u6a21\u5f0f\u521b\u65b0\u52a9\u529b\u56fd\u5bb6\u6218\u7565 \u5728\u63a2\u7d22\u8def\u5f84\u4e0a\uff0c”\u5357\u5b81\u6a21\u5f0f”\u5e76\u672a\u6b62\u6b65\u4e8e\u670d\u52a1\u4f9b\u7ed9\u672c\u8eab\u3002\u62dc\u8033\u5927\u4e2d\u534e\u53ca\u4e1c\u5317\u4e9a\u533a\u4f20\u64ad\u526f\u603b\u88c1\u5f20\u857e\u6307\u51fa\uff0c\u62dc\u8033\u6b63\u5c06\u4f01\u4e1a\u4f7f\u547d\u4e0e\u4e2d\u56fd\u8001\u9f84\u5316\u793e\u4f1a\u7684\u6df1\u5c42\u9700\u6c42\u8fdb\u884c\u66f4\u7d27\u5bc6\u7684\u7ed3\u5408\uff0c\u5979\u8868\u793a\uff1a”\u4e2d\u56fd\u4eba\u53e3\u7ed3\u6784\u6b63\u53d1\u751f\u6df1\u523b\u53d8\u5316\uff0c\u517b\u8001\u670d\u52a1\u4f53\u7cfb\u7684\u9ad8\u8d28\u91cf\u53d1\u5c55\u4e0d\u4ec5\u662f\u793e\u4f1a\u8bae\u9898\uff0c\u66f4\u662f\u9700\u8981\u591a\u65b9\u534f\u540c\u53c2\u4e0e\u7684\u7cfb\u7edf\u5de5\u7a0b\u3002\u62dc\u8033’\u5171\u4eab\u5065\u5eb7\uff0c\u6d88\u9664\u9965\u997f’\u7684\u4f7f\u547d\uff0c\u4e0d\u4ec5\u4f53\u73b0\u5728\u4ea7\u54c1\u4e0e\u6280\u672f\u521b\u65b0\u9886\u57df\uff0c\u4e5f\u6b63\u5728\u5ef6\u4f38\u81f3\u6a21\u5f0f\u521b\u65b0\u4e0e\u793e\u4f1a\u521b\u65b0\u3002’\u5357\u5b81\u6a21\u5f0f’\u662f\u62dc\u8033\u4e2d\u56fd\u548c\u62dc\u8033\u57fa\u91d1\u4f1a\u5171\u540c\u63a8\u52a8\u7684\u3001\u4ee5\u793e\u4f1a\u521b\u65b0\u8def\u5f84\u54cd\u5e94\u56fd\u5bb6\u517b\u8001\u6218\u7565\u7684\u4e00\u6b21\u91cd\u8981\u5b9e\u8df5\u3002\u6211\u4eec\u5e0c\u671b\u4ee5\u517b\u8001\u7814\u7a76\u9662\u4e0e\u4ea7\u4e1a\u5b66\u9662\u4e3a\u5e73\u53f0\uff0c\u5728\u4eba\u624d\u57f9\u517b\u3001\u6807\u51c6\u5efa\u8bbe\u3001\u652f\u4ed8\u4f53\u7cfb\u7b49\u65b9\u9762\u51dd\u805a\u5408\u529b\uff0c\u52a9\u529b\u6784\u5efa\u66f4\u5177\u97e7\u6027\u7684\u517b\u8001\u670d\u52a1\u751f\u6001\u3002” \u5f53\u524d\uff0c\u4e2d\u56fd\u517b\u8001\u670d\u52a1\u6b63\u52a0\u901f\u7531”\u6709\u6ca1\u6709”\u5411”\u597d\u4e0d\u597d”\u8f6c\u578b\uff0c\u793e\u533a\u5d4c\u5165\u5f0f\u670d\u52a1\u3001\u62a4\u7406\u80fd\u529b\u5efa\u8bbe\u3001\u591a\u65b9\u534f\u540c\u6210\u4e3a\u9ad8\u8d28\u91cf\u53d1\u5c55\u7684\u6838\u5fc3\u547d\u9898\u3002”\u5357\u5b81\u6a21\u5f0f”\u4ee5\u4e00\u7ebf\u5b9e\u8df5\u5448\u73b0\u670d\u52a1\u7ec4\u7ec7\u3001\u5bb6\u5ead\u8fde\u63a5\u3001\u4eba\u624d\u57f9\u517b\u7684\u9636\u6bb5\u6027\u7ecf\u9a8c\u3002\u672a\u6765\uff0c\u62dc\u8033\u4e2d\u56fd\u4e0e\u57fa\u91d1\u4f1a\u5c06\u7ee7\u7eed\u652f\u6301\u5357\u5b81\u8bd5\u70b9\u6df1\u5316\u63a2\u7d22\uff0c\u643a\u624b\u653f\u5e9c\u3001\u5b66\u754c\u3001\u884c\u4e1a\u4f19\u4f34\u63a8\u52a8\u7167\u62a4\u4e0e\u793e\u533a\u517b\u8001\u670d\u52a1\u6301\u7eed\u521b\u65b0\uff0c\u4e3a\u56fd\u5bb6\u79ef\u6781\u5e94\u5bf9\u4eba\u53e3\u8001\u9f84\u5316\u8d21\u732e\u53ef\u9a8c\u8bc1\u3001\u53ef\u5bf9\u8bdd\u7684\u57fa\u5c42\u5b9e\u8df5\u3002 SOURCE \u62dc\u8033\" \/>\n<meta property=\"og:url\" content=\"https:\/\/moneycompass.com.my\/cn\/\u521b\u65b0\u9a71\u52a8\u53d1\u5c55\uff1a\u62dc\u8033\u57fa\u91d1\u4f1a\u5357\u5b81\u6a21\u5f0f\u52a9\u529b\u517b\u8001\u670d\/\" \/>\n<meta property=\"og:site_name\" content=\"Money Compass CN\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-13T01:41:00+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\/%e5%88%9b%e6%96%b0%e9%a9%b1%e5%8a%a8%e5%8f%91%e5%b1%95%ef%bc%9a%e6%8b%9c%e8%80%b3%e5%9f%ba%e9%87%91%e4%bc%9a%e5%8d%97%e5%ae%81%e6%a8%a1%e5%bc%8f%e5%8a%a9%e5%8a%9b%e5%85%bb%e8%80%81%e6%9c%8d\/\",\"url\":\"https:\/\/moneycompass.com.my\/cn\/%e5%88%9b%e6%96%b0%e9%a9%b1%e5%8a%a8%e5%8f%91%e5%b1%95%ef%bc%9a%e6%8b%9c%e8%80%b3%e5%9f%ba%e9%87%91%e4%bc%9a%e5%8d%97%e5%ae%81%e6%a8%a1%e5%bc%8f%e5%8a%a9%e5%8a%9b%e5%85%bb%e8%80%81%e6%9c%8d\/\",\"name\":\"\u521b\u65b0\u9a71\u52a8\u53d1\u5c55\uff1a\u62dc\u8033\u57fa\u91d1\u4f1a\\\"\u5357\u5b81\u6a21\u5f0f\\\"\u52a9\u529b\u517b\u8001\u670d\u52a1\u9ad8\u8d28\u91cf\u5347\u7ea7 - Money Compass CN\",\"isPartOf\":{\"@id\":\"https:\/\/moneycompass.com.my\/cn\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e5%88%9b%e6%96%b0%e9%a9%b1%e5%8a%a8%e5%8f%91%e5%b1%95%ef%bc%9a%e6%8b%9c%e8%80%b3%e5%9f%ba%e9%87%91%e4%bc%9a%e5%8d%97%e5%ae%81%e6%a8%a1%e5%bc%8f%e5%8a%a9%e5%8a%9b%e5%85%bb%e8%80%81%e6%9c%8d\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e5%88%9b%e6%96%b0%e9%a9%b1%e5%8a%a8%e5%8f%91%e5%b1%95%ef%bc%9a%e6%8b%9c%e8%80%b3%e5%9f%ba%e9%87%91%e4%bc%9a%e5%8d%97%e5%ae%81%e6%a8%a1%e5%bc%8f%e5%8a%a9%e5%8a%9b%e5%85%bb%e8%80%81%e6%9c%8d\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2026\/05\/image1-YikR9m.jpeg\",\"datePublished\":\"2026-05-13T01:41:00+00:00\",\"dateModified\":\"2026-05-13T01:41:00+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e5%88%9b%e6%96%b0%e9%a9%b1%e5%8a%a8%e5%8f%91%e5%b1%95%ef%bc%9a%e6%8b%9c%e8%80%b3%e5%9f%ba%e9%87%91%e4%bc%9a%e5%8d%97%e5%ae%81%e6%a8%a1%e5%bc%8f%e5%8a%a9%e5%8a%9b%e5%85%bb%e8%80%81%e6%9c%8d\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/moneycompass.com.my\/cn\/%e5%88%9b%e6%96%b0%e9%a9%b1%e5%8a%a8%e5%8f%91%e5%b1%95%ef%bc%9a%e6%8b%9c%e8%80%b3%e5%9f%ba%e9%87%91%e4%bc%9a%e5%8d%97%e5%ae%81%e6%a8%a1%e5%bc%8f%e5%8a%a9%e5%8a%9b%e5%85%bb%e8%80%81%e6%9c%8d\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e5%88%9b%e6%96%b0%e9%a9%b1%e5%8a%a8%e5%8f%91%e5%b1%95%ef%bc%9a%e6%8b%9c%e8%80%b3%e5%9f%ba%e9%87%91%e4%bc%9a%e5%8d%97%e5%ae%81%e6%a8%a1%e5%bc%8f%e5%8a%a9%e5%8a%9b%e5%85%bb%e8%80%81%e6%9c%8d\/#primaryimage\",\"url\":\"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2026\/05\/image1-YikR9m.jpeg\",\"contentUrl\":\"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2026\/05\/image1-YikR9m.jpeg\",\"width\":144,\"height\":96},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e5%88%9b%e6%96%b0%e9%a9%b1%e5%8a%a8%e5%8f%91%e5%b1%95%ef%bc%9a%e6%8b%9c%e8%80%b3%e5%9f%ba%e9%87%91%e4%bc%9a%e5%8d%97%e5%ae%81%e6%a8%a1%e5%bc%8f%e5%8a%a9%e5%8a%9b%e5%85%bb%e8%80%81%e6%9c%8d\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/moneycompass.com.my\/cn\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u521b\u65b0\u9a71\u52a8\u53d1\u5c55\uff1a\u62dc\u8033\u57fa\u91d1\u4f1a”\u5357\u5b81\u6a21\u5f0f”\u52a9\u529b\u517b\u8001\u670d\u52a1\u9ad8\u8d28\u91cf\u5347\u7ea7\"}]},{\"@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":"\u521b\u65b0\u9a71\u52a8\u53d1\u5c55\uff1a\u62dc\u8033\u57fa\u91d1\u4f1a\"\u5357\u5b81\u6a21\u5f0f\"\u52a9\u529b\u517b\u8001\u670d\u52a1\u9ad8\u8d28\u91cf\u5347\u7ea7 - 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\/\u521b\u65b0\u9a71\u52a8\u53d1\u5c55\uff1a\u62dc\u8033\u57fa\u91d1\u4f1a\u5357\u5b81\u6a21\u5f0f\u52a9\u529b\u517b\u8001\u670d\/","og_locale":"en_US","og_type":"article","og_title":"\u521b\u65b0\u9a71\u52a8\u53d1\u5c55\uff1a\u62dc\u8033\u57fa\u91d1\u4f1a\"\u5357\u5b81\u6a21\u5f0f\"\u52a9\u529b\u517b\u8001\u670d\u52a1\u9ad8\u8d28\u91cf\u5347\u7ea7 - Money Compass CN","og_description":"\u5357\u5b812026\u5e745\u670813\u65e5 \/\u7f8e\u901a\u793e\/ — \u79ef\u6781\u5e94\u5bf9\u4eba\u53e3\u8001\u9f84\u5316\u88ab\u89c6\u4e3a”\u5341\u4e94\u4e94”\u65f6\u671f\u5173\u7cfb\u56fd\u8ba1\u6c11\u751f\u7684\u91cd\u5927\u6218\u7565\u4efb\u52a1\u3002\u968f\u7740\u6211\u56fd\u8001\u9f84\u5316\u8fdb\u7a0b\u6301\u7eed\u63a8\u8fdb\uff0c\u517b\u8001\u670d\u52a1\u4f53\u7cfb\u5efa\u8bbe\u6b63\u7531”\u57fa\u7840\u4fdd\u969c”\u5411”\u9ad8\u8d28\u91cf\u53d1\u5c55”\u8f6c\u578b\u5347\u7ea7\u3002\u4e8e5\u670812\u65e5\u5728\u5e7f\u897f\u5357\u5b81\u4e3e\u529e\u7684”\u5357\u5b81\u6a21\u5f0f\u2022\u517b\u8001\u4ea7\u4e1a\u9ad8\u8d28\u91cf\u53d1\u5c55\u5b66\u672f\u4ea4\u6d41\u4f1a”\u6c47\u805a\u4e86\u653f\u5e9c\u4ee3\u8868\u3001\u56fd\u5185\u5916\u884c\u4e1a\u4e13\u5bb6\u3001\u5b66\u672f\u673a\u6784\u53ca\u4ea7\u4e1a\u4f19\u4f34\uff0c\u5171\u540c\u63a2\u8ba8\u62a4\u7406\u4eba\u624d\u57f9\u517b\u3001\u793e\u533a\u5d4c\u5165\u5f0f\u517b\u8001\u670d\u52a1\u521b\u65b0\u4e0e\u653f\u4f01\u534f\u540c\u7b49\u6838\u5fc3\u8bae\u9898\u3002\u5927\u4f1a\u4e0a\uff0c\u7231\u62a4\u5b81\u4ea7\u4e1a\u5b66\u9662\u66a8\u5df4\u9ece\u4e5d\u5927”\u6574\u5408\u7167\u62a4\u4e0e\u793e\u4f1a\u521b\u65b0\u7814\u7a76\u4e2d\u5fc3”\u6b63\u5f0f\u63ed\u724c\uff0c\u6807\u5fd7\u7740\u4ea7\u6559\u7814\u878d\u5408\u5728\u517b\u8001\u9886\u57df\u8fc8\u51fa\u575a\u5b9e\u6b65\u4f10\u3002 \u62dc\u8033\u5927\u4e2d\u534e\u53ca\u4e1c\u5317\u4e9a\u533a\u4f20\u64ad\u526f\u603b\u88c1\u5f20\u857e\u5973\u58eb\u3001\u62dc\u8033\u57fa\u91d1\u4f1a\u4e9a\u592a\u533a\u8d1f\u8d23\u4eba\u949f\u670b\u535a\u58eb\u3001\u535a\u7ec4\u5ba2\u4e9a\u6d32\u603b\u88c1\u53f8\u5f92\u6587\u535a\u58eb\uff08Dr. Stephan Dyckerhoff\uff09\u3001\u5e7f\u897f\u65b0\u751f\u6d3b\u533b\u517b\u5065\u5eb7\u670d\u52a1\u80a1\u4efd\u6709\u9650\u516c\u53f8\u8463\u4e8b\u957f\u6731\u8363\u82ac\u5973\u58eb\u3001\u5fb7\u56fd\u6d77\u5916\u5546\u4f1a\u8054\u76df\u5927\u4e2d\u534e\u533a\u526f\u603b\u88c1\u5f90\u6676\u6ce2\u5148\u751f\uff0c\u81ea\u6cbb\u533a\u3001\u5357\u5b81\u5e02\u6709\u5173\u90e8\u95e8\u540c\u5fd7\u7b49\u5404\u754c\u4ee3\u8868\u51fa\u5e2d\u4e86\u672c\u6b21\u6d3b\u52a8\u3002 “\u5357\u5b81\u6a21\u5f0f”\u8d4b\u6743\u7167\u62a4\u7406\u5ff5\u52a9\u529b\u884c\u4e1a\u5347\u7ea7 \u636e\u56fd\u5bb6\u7edf\u8ba1\u5c40\u6570\u636e\uff0c\u622a\u81f3 2025 \u5e74\u672b\uff0c\u6211\u56fd 60 \u5c81\u53ca\u4ee5\u4e0a\u4eba\u53e3\u8fbe 3.23 \u4ebf\u4eba\uff0c\u5360\u5168\u56fd\u603b\u4eba\u53e3 23%\u30022021 \u5e74\uff0c\u79ef\u6781\u5e94\u5bf9\u4eba\u53e3\u8001\u9f84\u5316\u88ab\u786e\u7acb\u4e3a\u56fd\u5bb6\u6218\u7565\uff1b”\u5341\u4e94\u4e94” \u89c4\u5212\u6301\u7eed\u52a0\u7801\uff0c\u805a\u7126\u4f18\u5316\u57fa\u672c\u517b\u8001\u670d\u52a1\u3001\u53d1\u5c55\u793e\u533a\u5d4c\u5165\u5f0f\u517b\u8001\u3001\u6df1\u5316\u533b\u517b\u7ed3\u5408\uff0c\u63a8\u52a8\u517b\u8001\u670d\u52a1\u63d0\u8d28\u5347\u7ea7\u3002\u5728\u6b64\u80cc\u666f\u4e0b\uff0c\u5982\u4f55\u5c06\u56fd\u5bb6\u9876\u5c42\u8bbe\u8ba1\u8f6c\u5316\u4e3a\u53ef\u843d\u5730\u3001\u53ef\u6301\u7eed\u7684\u57fa\u5c42\u5b9e\u8df5\uff0c\u5df2\u6210\u4e3a\u884c\u4e1a\u5171\u540c\u9762\u5bf9\u7684\u6838\u5fc3\u8bae\u9898\u3002 \u62dc\u8033\u57fa\u91d1\u4f1a\u652f\u6301\u7684”\u5357\u5b81\u6a21\u5f0f”\u9879\u76ee\u81ea2025\u5e745\u6708\u542f\u52a8\uff0c\u7531\u535a\u7ec4\u5ba2\uff08\u4e2d\u56fd\uff09\u4e0e\u5e7f\u897f\u65b0\u751f\u6d3b\u533b\u517b\u5065\u5eb7\u670d\u52a1\u80a1\u4efd\u6709\u9650\u516c\u53f8\u5408\u4f5c\u6210\u7acb\u7684\u65b0\u535a\u516c\u53f8\u8d1f\u8d23\u5b9e\u65bd\u3002\u9879\u76ee\u805a\u7126\u5931\u80fd\u3001\u6162\u75c5\u3001\u5931\u667a\u957f\u8005\uff0c\u878d\u5408”\u7231\u62a4\u5b81”\u4e0e”\u535a\u7ec4\u5ba2”\u53cc\u54c1\u724c\u4f18\u52bf\uff0c\u843d\u5730\u8377\u5170\u535a\u7ec4\u5ba2\u5c45\u5bb6\u517b\u8001\u7684\u79d1\u5b66\u6a21\u578b\uff0c\u63a8\u52a8\u5c45\u5bb6\u517b\u8001\u670d\u52a1\u5b9e\u73b0\u9ad8\u8d28\u91cf\u4e0e\u9ad8\u6548\u80fd\u53ef\u6301\u7eed\u53d1\u5c55\u3002 “\u5357\u5b81\u6a21\u5f0f”\u533a\u522b\u4e8e\u4f20\u7edf”\u88ab\u52a8\u7167\u62a4”\uff0c\u79c9\u6301”\u91cd\u7115\u6d3b\u529b\u3001\u81ea\u4e3b\u751f\u6d3b”\u7684\u8d4b\u6743\u7167\u62a4\u7406\u5ff5\uff0c\u5c06\u670d\u52a1\u91cd\u5fc3\u7531”\u66ff\u4ee3\u6027\u7167\u6599”\u8f6c\u4e3a”\u80fd\u529b\u7ef4\u62a4\u4e0e\u6062\u590d”\u3002\u9879\u76ee\u4f9d\u6258\u8de8\u4e13\u4e1a\u56e2\u961f\u53ca\u535a\u7ec4\u5ba2\u5965\u9a6c\u54c8\u7cfb\u7edf\u8bc4\u4f30\u5de5\u5177\uff0c\u4e3a\u6bcf\u4f4d\u957f\u8005\u5236\u5b9a\u4e2a\u6027\u5316\u7167\u62a4\u8ba1\u5212\uff0c\u901a\u8fc7\u5bb6\u5ead\u534f\u540c\u673a\u5236\u786e\u4fdd\u7167\u62a4\u65b9\u6848\u6301\u7eed\u843d\u5730\u3002\u622a\u6b62\u9879\u76ee\u5468\u671f\u7ed3\u675f\uff0c\u4e09\u4e2a\u9636\u6bb5\u7d2f\u8ba1\u5b8c\u6210\u8bc4\u4f30290\u4eba\u6b21\uff0c\u7b5b\u9009246\u4eba\u5165\u7ec4\uff0c\u7d2f\u8ba1\u6709\u6548\u63a8\u8fdb\u6848\u4f8b204\u4f8b\uff0c\u5065\u5eb7\u5206\u503c\u5e73\u5747\u6539\u5584\u7387\u8fbe60.03%\u3002\u6708\u5747\u670d\u52a1\u8d39\u7528\u76f8\u6bd4\u673a\u6784\u517b\u8001\u964d\u4f4e70%\uff0c\u76f8\u6bd4\u957f\u62a4\u9669\u964d\u4f4e20%\uff0c\u6709\u529b\u9a8c\u8bc1\u4e86”\u4f4e\u6210\u672c\u3001\u9ad8\u54c1\u8d28”\u5c45\u5bb6\u7167\u62a4\u8def\u5f84\u7684\u53ef\u884c\u6027\u3002 \u591a\u65b9\u534f\u540c\u521b\u65b0 \u6784\u5efa\u4eba\u624d\u4e0e\u4ea7\u4e1a\u751f\u6001 \u4eba\u624d\u57f9\u517b\u8d2f\u7a7f\u9879\u76ee\u5168\u7a0b\u3002\u5357\u5b81\u56e2\u961f\u5efa\u7acb\u65e5\u3001\u5468\u3001\u6708\u8054\u52a8\u590d\u76d8\u673a\u5236\uff0c\u901a\u8fc7”\u65b0\u8001\u7ed3\u5bf9”\u6a21\u5f0f\uff0c\u5c06\u5965\u9a6c\u54c8\u8bc4\u4f30\u5de5\u5177\u5e94\u7528\u3001\u6848\u4f8b\u7814\u8ba8\u4e0e\u4e00\u7ebf\u5b9e\u64cd\u7ed3\u5408\uff0c\u521d\u6b65\u6253\u9020\u4e00\u652f\u672c\u571f\u5316\u6574\u5408\u62a4\u7406\u961f\u4f0d\u3002\u5927\u4f1a\u540c\u671f\u4e3e\u529e\u4e86”\u517b\u8001\u62a4\u7406\u4eba\u5458\u80fd\u529b\u5efa\u8bbe\u7684\u6311\u6218\u548c\u673a\u9047”\u5706\u684c\u8ba8\u8bba\uff0c\u6765\u81ea\u653f\u5e9c\u3001\u9662\u6821\u3001\u884c\u4e1a\u4e13\u5bb6\u4e00\u81f4\u8ba4\u4e3a\uff0c\u6559\u80b2\u94fe\u3001\u4eba\u624d\u94fe\u3001\u670d\u52a1\u94fe\u6df1\u5ea6\u878d\u5408\uff0c\u662f\u63d0\u5347\u793e\u533a\u5c45\u5bb6\u517b\u8001\u4e13\u4e1a\u80fd\u529b\u7684\u5173\u952e\u3002\u4ea7\u4e1a\u5b66\u9662\u3001\u7167\u62a4\u4e0e\u793e\u4f1a\u521b\u65b0\u7814\u7a76\u4e2d\u5fc3\u7684\u63ed\u724c\uff0c\u8fdb\u4e00\u6b65\u4e3a\u884c\u4e1a\u8d4b\u80fd\u3002 \u62dc\u8033\u57fa\u91d1\u4f1a\u4e9a\u592a\u533a\u8d1f\u8d23\u4eba\u949f\u670b\u535a\u58eb\u8fdb\u4e00\u6b65\u9610\u91ca\u4e86\u9879\u76ee\u80cc\u540e\u7684\u793e\u4f1a\u521b\u65b0\u903b\u8f91\uff1a” ‘\u5357\u5b81\u6a21\u5f0f’\u5e76\u672a\u7b80\u5355\u590d\u5236\u8377\u5170\u535a\u7ec4\u5ba2\u7684\u56fd\u9645\u7ecf\u9a8c\uff0c\u800c\u662f\u5145\u5206\u7ed3\u5408\u4e2d\u56fd\u5bb6\u5ead\u7ed3\u6784\u3001\u793e\u533a\u7ec4\u7ec7\u65b9\u5f0f\u4e0e\u672c\u5730\u653f\u7b56\u73af\u5883\u8fdb\u884c\u4e86\u878d\u5408\u521b\u65b0\u3002\u6211\u4eec\u6b23\u559c\u5730\u770b\u5230\uff0c\u9879\u76ee\u5728\u670d\u52a1\u957f\u8005\u7684\u540c\u65f6\uff0c\u4e5f\u901a\u8fc7\u7cfb\u7edf\u57f9\u8bad\u4e3a\u63d0\u5347\u5973\u6027\u5728\u7167\u62a4\u9886\u57df\u7684\u804c\u4e1a\u53d1\u5c55\u7a7a\u95f4\uff0c\u8d4b\u80fd\u5979\u4eec\u83b7\u5f97\u66f4\u591a\u5c31\u4e1a\u673a\u4f1a\u5e76\u6301\u7eed\u589e\u52a0\u6536\u5165\uff0c\u5f62\u6210\u670d\u52a1\u957f\u8005\u4e0e\u8d4b\u80fd\u793e\u533a\u5e76\u884c\u7684\u53cc\u91cd\u793e\u4f1a\u4ef7\u503c\u3002” \u535a\u7ec4\u5ba2\u4e9a\u6d32\u603b\u88c1\u53f8\u5f92\u6587\u535a\u58eb\u8868\u793a\uff1a”\u535a\u7ec4\u5ba2\u59cb\u7ec8\u76f8\u4fe1\uff0c\u9ad8\u8d28\u91cf\u5c45\u5bb6\u7167\u62a4\u7684\u5173\u952e\uff0c\u4e0d\u662f\u7b80\u5355\u66ff\u8001\u4eba\u5b8c\u6210\u4e8b\u60c5\uff0c\u800c\u662f\u901a\u8fc7\u4e13\u4e1a\u8bc4\u4f30\u3001\u4e2a\u6027\u5316\u8ba1\u5212\u548c\u5bb6\u5ead\u8d4b\u80fd\uff0c\u5e2e\u52a9\u957f\u8005\u5c3d\u53ef\u80fd\u7ef4\u6301\u548c\u6062\u590d\u81ea\u4e3b\u751f\u6d3b\u80fd\u529b\u3002\u5728’\u5357\u5b81\u6a21\u5f0f’\u4e2d\uff0c\u6211\u4eec\u4e0e\u62dc\u8033\u57fa\u91d1\u4f1a\u3001\u65b0\u751f\u6d3b\u56e2\u961f\u7d27\u5bc6\u534f\u4f5c\uff0c\u5c06\u8377\u5170\u793e\u533a\u5c45\u5bb6\u7167\u62a4\u7ecf\u9a8c\u4e0e\u5357\u5b81\u672c\u5730\u5b9e\u8df5\u76f8\u7ed3\u5408\uff0c\u63a8\u52a8\u5965\u9a6c\u54c8\u7cfb\u7edf\u8bc4\u4f30\u3001\u8de8\u4e13\u4e1a\u56e2\u961f\u534f\u4f5c\u548c\u6301\u7eed\u590d\u76d8\u673a\u5236\u843d\u5730\uff0c\u57f9\u517b\u672c\u571f\u5316\u4e13\u4e1a\u7167\u62a4\u961f\u4f0d\uff0c\u5171\u540c\u63a2\u7d22\u53ef\u590d\u5236\u3001\u53ef\u6301\u7eed\u7684\u793e\u533a\u5c45\u5bb6\u517b\u8001\u65b0\u8def\u5f84\u3002” \u5e7f\u897f\u65b0\u751f\u6d3b\u533b\u517b\u5065\u5eb7\u670d\u52a1\u80a1\u4efd\u6709\u9650\u516c\u53f8\u8463\u4e8b\u957f\u6731\u8363\u82ac\u8868\u793a\uff1a”\u4f5c\u4e3a\u6df1\u8015\u533b\u517b\u5065\u5eb7\u9886\u57df\u7684\u672c\u571f\u4f01\u4e1a\uff0c\u65b0\u751f\u6d3b\u7231\u62a4\u5b81\u54c1\u724c\u59cb\u7ec8\u575a\u5b88’\u4ee5\u66f4\u4f4e\u7684\u8d39\u7528\uff0c\u63d0\u4f9b\u66f4\u597d\u7684\u7167\u62a4’\u7684\u521d\u5fc3\u4e0e\u4f7f\u547d\u3002\u672c\u6b21\u4e0e\u62dc\u8033\u57fa\u91d1\u4f1a\u3001\u8377\u5170\u535a\u7ec4\u5ba2\u5171\u540c\u6253\u9020’\u5357\u5b81\u6a21\u5f0f’\uff0c\u662f’\u7231\u62a4\u5b81+’\u6218\u7565\u7684\u91cd\u8981\u5b9e\u8df5\uff0c\u4e5f\u662f\u6211\u4eec\u6784\u5efa’\u4e50\u517b\u3001\u533b\u517b\u3001\u667a\u517b\u3001\u5b89\u517b’\u56db\u517b\u4f53\u7cfb\u7684\u5173\u952e\u7a81\u7834\u3002\u6211\u4eec\u4e0d\u4ec5\u81f4\u529b\u4e8e\u4e3a\u957f\u8005\u63d0\u4f9b\u6709\u5c0a\u4e25\u3001\u9ad8\u54c1\u8d28\u7684\u5c45\u5bb6\u7167\u62a4\uff0c\u66f4\u5e0c\u671b\u4ee5\u7231\u62a4\u5b81\u4ea7\u4e1a\u5b66\u9662\u3001\u65b0\u751f\u6d3b\u7814\u7a76\u9662\u4e3a\u5e73\u53f0\uff0c\u6df1\u5316\u4ea7\u6559\u7814\u878d\u5408\uff0c\u8054\u52a8\u653f\u5e9c\u3001\u9662\u6821\u3001\u884c\u4e1a\u4f19\u4f34\uff0c\u63a8\u52a8\u517b\u8001\u4eba\u624d\u57f9\u517b\u3001\u670d\u52a1\u6807\u51c6\u5347\u7ea7\u4e0e\u4ea7\u4e1a\u751f\u6001\u6784\u5efa\uff0c\u4e3a\u4e2d\u56fd\u79ef\u6781\u5e94\u5bf9\u4eba\u53e3\u8001\u9f84\u5316\u8d21\u732e\u672c\u571f\u4f01\u4e1a\u529b\u91cf\u3002” \u4f01\u4e1a\u793e\u4f1a\u8d23\u4efb\u4e0e\u6a21\u5f0f\u521b\u65b0\u52a9\u529b\u56fd\u5bb6\u6218\u7565 \u5728\u63a2\u7d22\u8def\u5f84\u4e0a\uff0c”\u5357\u5b81\u6a21\u5f0f”\u5e76\u672a\u6b62\u6b65\u4e8e\u670d\u52a1\u4f9b\u7ed9\u672c\u8eab\u3002\u62dc\u8033\u5927\u4e2d\u534e\u53ca\u4e1c\u5317\u4e9a\u533a\u4f20\u64ad\u526f\u603b\u88c1\u5f20\u857e\u6307\u51fa\uff0c\u62dc\u8033\u6b63\u5c06\u4f01\u4e1a\u4f7f\u547d\u4e0e\u4e2d\u56fd\u8001\u9f84\u5316\u793e\u4f1a\u7684\u6df1\u5c42\u9700\u6c42\u8fdb\u884c\u66f4\u7d27\u5bc6\u7684\u7ed3\u5408\uff0c\u5979\u8868\u793a\uff1a”\u4e2d\u56fd\u4eba\u53e3\u7ed3\u6784\u6b63\u53d1\u751f\u6df1\u523b\u53d8\u5316\uff0c\u517b\u8001\u670d\u52a1\u4f53\u7cfb\u7684\u9ad8\u8d28\u91cf\u53d1\u5c55\u4e0d\u4ec5\u662f\u793e\u4f1a\u8bae\u9898\uff0c\u66f4\u662f\u9700\u8981\u591a\u65b9\u534f\u540c\u53c2\u4e0e\u7684\u7cfb\u7edf\u5de5\u7a0b\u3002\u62dc\u8033’\u5171\u4eab\u5065\u5eb7\uff0c\u6d88\u9664\u9965\u997f’\u7684\u4f7f\u547d\uff0c\u4e0d\u4ec5\u4f53\u73b0\u5728\u4ea7\u54c1\u4e0e\u6280\u672f\u521b\u65b0\u9886\u57df\uff0c\u4e5f\u6b63\u5728\u5ef6\u4f38\u81f3\u6a21\u5f0f\u521b\u65b0\u4e0e\u793e\u4f1a\u521b\u65b0\u3002’\u5357\u5b81\u6a21\u5f0f’\u662f\u62dc\u8033\u4e2d\u56fd\u548c\u62dc\u8033\u57fa\u91d1\u4f1a\u5171\u540c\u63a8\u52a8\u7684\u3001\u4ee5\u793e\u4f1a\u521b\u65b0\u8def\u5f84\u54cd\u5e94\u56fd\u5bb6\u517b\u8001\u6218\u7565\u7684\u4e00\u6b21\u91cd\u8981\u5b9e\u8df5\u3002\u6211\u4eec\u5e0c\u671b\u4ee5\u517b\u8001\u7814\u7a76\u9662\u4e0e\u4ea7\u4e1a\u5b66\u9662\u4e3a\u5e73\u53f0\uff0c\u5728\u4eba\u624d\u57f9\u517b\u3001\u6807\u51c6\u5efa\u8bbe\u3001\u652f\u4ed8\u4f53\u7cfb\u7b49\u65b9\u9762\u51dd\u805a\u5408\u529b\uff0c\u52a9\u529b\u6784\u5efa\u66f4\u5177\u97e7\u6027\u7684\u517b\u8001\u670d\u52a1\u751f\u6001\u3002” \u5f53\u524d\uff0c\u4e2d\u56fd\u517b\u8001\u670d\u52a1\u6b63\u52a0\u901f\u7531”\u6709\u6ca1\u6709”\u5411”\u597d\u4e0d\u597d”\u8f6c\u578b\uff0c\u793e\u533a\u5d4c\u5165\u5f0f\u670d\u52a1\u3001\u62a4\u7406\u80fd\u529b\u5efa\u8bbe\u3001\u591a\u65b9\u534f\u540c\u6210\u4e3a\u9ad8\u8d28\u91cf\u53d1\u5c55\u7684\u6838\u5fc3\u547d\u9898\u3002”\u5357\u5b81\u6a21\u5f0f”\u4ee5\u4e00\u7ebf\u5b9e\u8df5\u5448\u73b0\u670d\u52a1\u7ec4\u7ec7\u3001\u5bb6\u5ead\u8fde\u63a5\u3001\u4eba\u624d\u57f9\u517b\u7684\u9636\u6bb5\u6027\u7ecf\u9a8c\u3002\u672a\u6765\uff0c\u62dc\u8033\u4e2d\u56fd\u4e0e\u57fa\u91d1\u4f1a\u5c06\u7ee7\u7eed\u652f\u6301\u5357\u5b81\u8bd5\u70b9\u6df1\u5316\u63a2\u7d22\uff0c\u643a\u624b\u653f\u5e9c\u3001\u5b66\u754c\u3001\u884c\u4e1a\u4f19\u4f34\u63a8\u52a8\u7167\u62a4\u4e0e\u793e\u533a\u517b\u8001\u670d\u52a1\u6301\u7eed\u521b\u65b0\uff0c\u4e3a\u56fd\u5bb6\u79ef\u6781\u5e94\u5bf9\u4eba\u53e3\u8001\u9f84\u5316\u8d21\u732e\u53ef\u9a8c\u8bc1\u3001\u53ef\u5bf9\u8bdd\u7684\u57fa\u5c42\u5b9e\u8df5\u3002 SOURCE \u62dc\u8033","og_url":"https:\/\/moneycompass.com.my\/cn\/\u521b\u65b0\u9a71\u52a8\u53d1\u5c55\uff1a\u62dc\u8033\u57fa\u91d1\u4f1a\u5357\u5b81\u6a21\u5f0f\u52a9\u529b\u517b\u8001\u670d\/","og_site_name":"Money Compass CN","article_published_time":"2026-05-13T01:41:00+00:00","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/moneycompass.com.my\/cn\/%e5%88%9b%e6%96%b0%e9%a9%b1%e5%8a%a8%e5%8f%91%e5%b1%95%ef%bc%9a%e6%8b%9c%e8%80%b3%e5%9f%ba%e9%87%91%e4%bc%9a%e5%8d%97%e5%ae%81%e6%a8%a1%e5%bc%8f%e5%8a%a9%e5%8a%9b%e5%85%bb%e8%80%81%e6%9c%8d\/","url":"https:\/\/moneycompass.com.my\/cn\/%e5%88%9b%e6%96%b0%e9%a9%b1%e5%8a%a8%e5%8f%91%e5%b1%95%ef%bc%9a%e6%8b%9c%e8%80%b3%e5%9f%ba%e9%87%91%e4%bc%9a%e5%8d%97%e5%ae%81%e6%a8%a1%e5%bc%8f%e5%8a%a9%e5%8a%9b%e5%85%bb%e8%80%81%e6%9c%8d\/","name":"\u521b\u65b0\u9a71\u52a8\u53d1\u5c55\uff1a\u62dc\u8033\u57fa\u91d1\u4f1a\"\u5357\u5b81\u6a21\u5f0f\"\u52a9\u529b\u517b\u8001\u670d\u52a1\u9ad8\u8d28\u91cf\u5347\u7ea7 - Money Compass CN","isPartOf":{"@id":"https:\/\/moneycompass.com.my\/cn\/#website"},"primaryImageOfPage":{"@id":"https:\/\/moneycompass.com.my\/cn\/%e5%88%9b%e6%96%b0%e9%a9%b1%e5%8a%a8%e5%8f%91%e5%b1%95%ef%bc%9a%e6%8b%9c%e8%80%b3%e5%9f%ba%e9%87%91%e4%bc%9a%e5%8d%97%e5%ae%81%e6%a8%a1%e5%bc%8f%e5%8a%a9%e5%8a%9b%e5%85%bb%e8%80%81%e6%9c%8d\/#primaryimage"},"image":{"@id":"https:\/\/moneycompass.com.my\/cn\/%e5%88%9b%e6%96%b0%e9%a9%b1%e5%8a%a8%e5%8f%91%e5%b1%95%ef%bc%9a%e6%8b%9c%e8%80%b3%e5%9f%ba%e9%87%91%e4%bc%9a%e5%8d%97%e5%ae%81%e6%a8%a1%e5%bc%8f%e5%8a%a9%e5%8a%9b%e5%85%bb%e8%80%81%e6%9c%8d\/#primaryimage"},"thumbnailUrl":"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2026\/05\/image1-YikR9m.jpeg","datePublished":"2026-05-13T01:41:00+00:00","dateModified":"2026-05-13T01:41:00+00:00","author":{"@id":""},"breadcrumb":{"@id":"https:\/\/moneycompass.com.my\/cn\/%e5%88%9b%e6%96%b0%e9%a9%b1%e5%8a%a8%e5%8f%91%e5%b1%95%ef%bc%9a%e6%8b%9c%e8%80%b3%e5%9f%ba%e9%87%91%e4%bc%9a%e5%8d%97%e5%ae%81%e6%a8%a1%e5%bc%8f%e5%8a%a9%e5%8a%9b%e5%85%bb%e8%80%81%e6%9c%8d\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/moneycompass.com.my\/cn\/%e5%88%9b%e6%96%b0%e9%a9%b1%e5%8a%a8%e5%8f%91%e5%b1%95%ef%bc%9a%e6%8b%9c%e8%80%b3%e5%9f%ba%e9%87%91%e4%bc%9a%e5%8d%97%e5%ae%81%e6%a8%a1%e5%bc%8f%e5%8a%a9%e5%8a%9b%e5%85%bb%e8%80%81%e6%9c%8d\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/moneycompass.com.my\/cn\/%e5%88%9b%e6%96%b0%e9%a9%b1%e5%8a%a8%e5%8f%91%e5%b1%95%ef%bc%9a%e6%8b%9c%e8%80%b3%e5%9f%ba%e9%87%91%e4%bc%9a%e5%8d%97%e5%ae%81%e6%a8%a1%e5%bc%8f%e5%8a%a9%e5%8a%9b%e5%85%bb%e8%80%81%e6%9c%8d\/#primaryimage","url":"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2026\/05\/image1-YikR9m.jpeg","contentUrl":"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2026\/05\/image1-YikR9m.jpeg","width":144,"height":96},{"@type":"BreadcrumbList","@id":"https:\/\/moneycompass.com.my\/cn\/%e5%88%9b%e6%96%b0%e9%a9%b1%e5%8a%a8%e5%8f%91%e5%b1%95%ef%bc%9a%e6%8b%9c%e8%80%b3%e5%9f%ba%e9%87%91%e4%bc%9a%e5%8d%97%e5%ae%81%e6%a8%a1%e5%bc%8f%e5%8a%a9%e5%8a%9b%e5%85%bb%e8%80%81%e6%9c%8d\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/moneycompass.com.my\/cn\/"},{"@type":"ListItem","position":2,"name":"\u521b\u65b0\u9a71\u52a8\u53d1\u5c55\uff1a\u62dc\u8033\u57fa\u91d1\u4f1a”\u5357\u5b81\u6a21\u5f0f”\u52a9\u529b\u517b\u8001\u670d\u52a1\u9ad8\u8d28\u91cf\u5347\u7ea7"}]},{"@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\/24230"}],"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=24230"}],"version-history":[{"count":0,"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/posts\/24230\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/media\/24231"}],"wp:attachment":[{"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/media?parent=24230"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/categories?post=24230"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/tags?post=24230"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}