{"id":2803,"date":"2024-10-24T07:13:00","date_gmt":"2024-10-24T07:13:00","guid":{"rendered":"https:\/\/moneycompass.com.my\/cn\/%e9%ab%98%e9%87%91%e5%92%8c%e5%98%89%e4%bf%a1%e7%90%86%e8%b4%a2%e5%8f%91%e5%b8%83%e7%ac%ac%e5%85%ab%e5%b9%b4%e5%ba%a6%e3%80%8a%e4%b8%ad%e5%9b%bd%e6%96%b0%e5%af%8c%e4%ba%ba%e7%be%a4%e8%b4%a2%e5%af%8c\/"},"modified":"2024-10-24T07:13:00","modified_gmt":"2024-10-24T07:13:00","slug":"%e9%ab%98%e9%87%91%e5%92%8c%e5%98%89%e4%bf%a1%e7%90%86%e8%b4%a2%e5%8f%91%e5%b8%83%e7%ac%ac%e5%85%ab%e5%b9%b4%e5%ba%a6%e3%80%8a%e4%b8%ad%e5%9b%bd%e6%96%b0%e5%af%8c%e4%ba%ba%e7%be%a4%e8%b4%a2%e5%af%8c","status":"publish","type":"post","link":"https:\/\/moneycompass.com.my\/cn\/%e9%ab%98%e9%87%91%e5%92%8c%e5%98%89%e4%bf%a1%e7%90%86%e8%b4%a2%e5%8f%91%e5%b8%83%e7%ac%ac%e5%85%ab%e5%b9%b4%e5%ba%a6%e3%80%8a%e4%b8%ad%e5%9b%bd%e6%96%b0%e5%af%8c%e4%ba%ba%e7%be%a4%e8%b4%a2%e5%af%8c\/","title":{"rendered":"\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u53d1\u5e03\u7b2c\u516b\u5e74\u5ea6\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b"},"content":{"rendered":"

\u9000\u4f11\u517b\u8001\u7b49\u8d22\u52a1\u9700\u6c42\u65e5\u76ca\u590d\u6742\uff0c\u91d1\u878d\u673a\u6784\u5e94\u52a9\u529b\u5b9e\u73b0\u957f\u671f\u4e3b\u4e49<\/span><\/p>\n

\u4e0a\u6d77<\/span>2024\u5e7410\u670824\u65e5<\/span> \/\u7f8e\u901a\u793e\/ — 10\u670823\u65e5\uff0c<\/span>\u4e0a\u6d77\u4ea4\u901a\u5927\u5b66\u4e0a\u6d77\u9ad8\u7ea7\u91d1\u878d\u5b66\u9662\uff08\u9ad8\u91d1\uff09\u4e0e\u5168\u7403\u9886\u5148\u7684\u91d1\u878d\u670d\u52a1\u673a\u6784\u5609\u4fe1\u7406\u8d22\uff08Charles Schwab\uff09\u8054\u5408\u53d1\u5e03\u7b2c\u516b\u5e74\u5ea6\u7684\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b\uff08\u300a\u6307\u6570\u300b\uff09\u3002\u65b0\u5bcc\u4eba\u7fa4\u662f\u6307\u5e74\u6536\u5165\u572812.5\u81f3100\u4e07\u5143\u4e4b\u95f4\u3001\u53ef\u6295\u8d44\u8d44\u4ea7\u5728700\u4e07\u5143\u4ee5\u4e0b\u7684\u4eba\u7fa4\u3002\u8be5\u6307\u6570\u65e8\u5728\u52a8\u6001\u8ffd\u8e2a\u8fd9\u4e00\u5bf9\u4e2d\u56fd\u4e43\u81f3\u5168\u7403\u7ecf\u6d4e\u589e\u957f\u5177\u6709\u91cd\u8981\u63a8\u52a8\u529b\u7684\u7fa4\u4f53\u4e0d\u65ad\u53d8\u5316\u7684\u6295\u8d44\u884c\u4e3a\u548c\u8d22\u5bcc\u5065\u5eb7\u3002<\/p>\n

\n

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

2024\u5e74\uff0c\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u7684\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u4ece\u4e0a\u4e00\u5e74\u768470.78\u5206\u5c0f\u5e45\u4e0b\u964d\u81f370.51\u5206\uff0c\u8d22\u5bcc\u4fe1\u5fc3\u3001\u8d22\u52a1\u89c4\u5212\u548c\u8d44\u4ea7\u7ba1\u7406\u7b49\u6b21\u6307\u6570\u5206\u522b\u4e0b\u964d0.46\u5206\u30013.36\u5206\u548c1.22\u5206\uff0c\u4f46\u6295\u8d44\u53c2\u4e0e\u6c34\u5e73\u6709\u4e00\u5b9a\u63d0\u5347\uff0c\u4ece\u4e0a\u4e00\u5e74\u768478.95\u5206\u4e0a\u5347\u81f379.72\u5206\uff0c\u4e3b\u8981\u4f53\u73b0\u5728\u53d7\u8bbf\u8005\u5bf9\u5404\u7c7b\u91d1\u878d\u670d\u52a1\u7684\u4f7f\u7528\u66f4\u8d8b\u4e8e\u591a\u5143\u3001\u5bf9\u6295\u987e\u670d\u52a1\u7684\u8ba4\u77e5\u548c\u6001\u5ea6\u4e5f\u6301\u7eed\u6539\u5584\u3002<\/p>\n

\u4e0a\u6d77\u9ad8\u7ea7\u91d1\u878d\u5b66\u9662\u521b\u9662\u7406\u4e8b\u957f\u5c60\u5149\u7ecd\u5728\u53d1\u5e03\u4f1a\u7684\u81f4\u8f9e\u4e2d\u5f3a\u8c03\uff1a”\u8fdb\u5165\u4e86\u9ad8\u8d28\u91cf\u53d1\u5c55\u9636\u6bb5\uff0c\u7ecf\u6d4e\u53d1\u5c55\u7684\u52a8\u80fd\u548c\u7ed3\u6784\u6b63\u7ecf\u5386\u91cd\u8981\u8f6c\u578b\uff0c\u6269\u5927\u5185\u9700\u4fc3\u8fdb\u6d88\u8d39\u5728\u63a8\u52a8\u7ecf\u6d4e\u589e\u957f\u548c\u53d1\u5c55\u4e2d\u7684\u91cd\u8981\u6027\u8fdb\u4e00\u6b65\u663e\u73b0\u3002\u65b0\u5bcc\u4eba\u7fa4\u662f\u62c9\u52a8\u5185\u9700\u548c\u6d88\u8d39\u7684\u4e2d\u575a\u529b\u91cf\uff0c\u6211\u4eec\u5f3a\u8c03\u8981\u6269\u5927\u4e2d\u7b49\u6536\u5165\u7fa4\u4f53\u7684\u89c4\u6a21\uff0c\u65b0\u5bcc\u4eba\u7fa4\u6070\u6070\u5c31\u662f\u4e2d\u7b49\u6536\u5165\u7fa4\u4f53\u4e2d\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\uff0c\u56e0\u6b64\uff0c\u4ed6\u4eec\u7684\u8d22\u5bcc\u7ba1\u7406\u884c\u4e3a\u548c\u8d22\u5bcc\u5065\u5eb7\u6c34\u5e73\u5bf9\u4e8e\u793e\u4f1a\u7ecf\u6d4e\u53d1\u5c55\u5177\u6709\u91cd\u8981\u5f71\u54cd\u3002\u62a5\u544a\u7814\u7a76\u56e2\u961f\u5df2\u7ecf\u8fde\u7eed\u516b\u5e74\u5173\u6ce8\u8fd9\u4e2a\u7fa4\u4f53\uff0c\u7ed3\u5408\u56fd\u9645\u7ecf\u9a8c\u548c\u672c\u571f\u89c6\u89d2\uff0c\u4f53\u73b0\u4e86\u4e25\u8c28\u3001\u6301\u7eed\u7684\u7814\u7a76\u6001\u5ea6\u3002\u800c\u8fd9\u9879\u7814\u7a76\u548c\u300a\u4e2d\u56fd\u5c45\u6c11\u91d1\u878d\u7d20\u517b\u62a5\u544a\u300b\u4e00\u8d77\u5171\u540c\u6784\u6210\u4e86\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u5408\u4f5c\u5206\u6790\u5c45\u6c11\u8d22\u5bcc\u7ba1\u7406\u72b6\u51b5\u7684\u4e24\u4e2a\u91cd\u8981\u652f\u70b9\uff0c\u901a\u8fc7\u4ece\u4e0d\u540c\u89d2\u5ea6\u8ddf\u8e2a\u5206\u6790\u4e2d\u56fd\u5c45\u6c11\u91d1\u878d\u884c\u4e3a\u7684\u53d8\u5316\uff0c\u4e3a\u5404\u65b9\u534f\u540c\u3001\u4e0d\u65ad\u52a9\u529b\u5c45\u6c11\u91d1\u878d\u7d20\u517b\u548c\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6c34\u5e73\u7684\u63d0\u9ad8\u63d0\u4f9b\u652f\u6301\u3002”<\/p>\n

\u5bb6\u5ead\u503a\u52a1\u5bf9\u8d22\u5bcc\u5065\u5eb7\u5177\u6709\u6df1\u8fdc\u5f71\u54cd\uff0c\u575a\u6301\u8d22\u52a1\u89c4\u5212\u65b9\u80fd\u6709\u5907\u65e0\u60a3\u00a0<\/p>\n

\u4eca\u5e74\uff0c\u65b0\u5bcc\u4eba\u7fa4\u5bf9\u5bb6\u5ead\u503a\u52a1\u95ee\u9898\u7684\u5173\u6ce8\u5ea6\u663e\u8457\u4e0a\u5347\uff0c\u5728\u6708\u6536\u51651.5-3\u4e07\u5143\u548c3\u4e07\u5143\u4ee5\u4e0a\u7684\u4e2d\u3001\u9ad8\u6536\u5165\u7fa4\u4f53\u4e2d\u5c24\u5176\u660e\u663e\u3002\u5176\u4e2d\uff0c22.4%\u7684\u9ad8\u6536\u5165\u65b0\u5bcc\u4eba\u7fa4\u5c06\u8d1f\u503a\u4f5c\u4e3a\u8bc4\u4f30\u5f53\u524d\u8d22\u52a1\u72b6\u51b5\u65f6\u7684\u9996\u8981\u5173\u6ce8\u70b9\u4e4b\u4e00\uff0c\u8f83\u53bb\u5e74\u4e0a\u53478.6\u4e2a\u767e\u5206\u70b9\uff0c\u521b\u8c03\u7814\u4ee5\u6765\u7684\u65b0\u9ad8\u3002<\/p>\n

\u503a\u52a1\u95ee\u9898\u4e5f\u56e0\u6b64\u5bf9\u65b0\u5bcc\u4eba\u7fa4\u7684\u8d22\u5bcc\u4fe1\u5fc3\u9020\u6210\u4e86\u4e00\u5b9a\u5f71\u54cd\u3002\u5728\u6301\u6709\u503a\u52a1\u7684\u65b0\u5bcc\u4eba\u7fa4\uff0c\u4ec5\u670934.9%\u5bf9\u4e8e\u81ea\u5df1\u5f53\u524d\u7684\u8d22\u52a1\u72b6\u51b5\u975e\u5e38\u6ee1\u610f\uff0c\u4f4e\u4e8e\u65e0\u503a\u52a1\u4eba\u7fa4\u768442.6%\u3002\u9762\u5bf9\u8fd9\u4e9b\u6311\u6218\uff0c\u65b0\u5bcc\u4eba\u7fa4\u5728\u957f\u671f\u8d22\u52a1\u89c4\u5212\u65b9\u9762\u4ecd\u6709\u8f83\u5927\u7684\u8fdb\u6b65\u7a7a\u95f4\u3002<\/p>\n

\u62e5\u6709\u8d22\u52a1\u89c4\u5212\u7684\u65b0\u5bcc\u4eba\u7fa4\u6bd4\u4f8b\u5df2\u8fde\u7eed\u4e09\u5e74\u4e0b\u964d\uff0c\u4eca\u5e74\u4ec5\u4e3a58.7%\uff0c\u8f83\u53bb\u5e74\u5927\u5e45\u4e0b\u964d6.1\u4e2a\u767e\u5206\u70b9\u3002\u503a\u52a1\u7ba1\u7406\u65b9\u9762\u7684\u89c4\u5212\u5c24\u5176\u8584\u5f31\u300255.2%\u7684\u53d7\u8bbf\u8005\u8868\u793a\u81ea\u5df1\u6301\u6709\u503a\u52a1\uff0c\u4f46\u53ea\u670919.2%\u8ba4\u4e3a\u8d22\u52a1\u89c4\u5212\u4e2d\u5e94\u5f53\u5305\u542b\u503a\u52a1\uff0c\u8fdc\u4f4e\u4e8e\u5bf9\u98ce\u9669\u8003\u91cf\uff0846.5%\uff09\u3001\u53ef\u6295\u8d44\u8d44\u4ea7\uff0841.2%\uff09\u7b49\u5176\u4ed6\u8d22\u52a1\u89c4\u5212\u8981\u7d20\u7684\u8ba4\u77e5\u5ea6\u3002\u5bf9\u8d22\u52a1\u89c4\u5212\u7684\u7406\u89e3\u4e0d\u8db3\u53ef\u80fd\u662f\u4e3b\u8981\u539f\u56e0\u3002\u8d22\u52a1\u89c4\u5212\u5e94\u5f53\u662f\u4e00\u9879\u9700\u8981\u6839\u636e\u81ea\u8eab\u548c\u5916\u90e8\u73af\u5883\u53d8\u5316\u800c\u4e0d\u65ad\u8c03\u6574\u3001\u66f4\u65b0\u7684\u957f\u671f\u5de5\u4f5c\uff0c\u4f46\u4ecd\u6709\u8d85\u8fc7\u4e09\u6210\u53d7\u8bbf\u8005\u56e0\u4e3a”\u8ba1\u5212\u8d76\u4e0d\u4e0a\u53d8\u5316”\u800c\u4e0d\u505a\u8d22\u52a1\u89c4\u5212\uff0c\u4e3a\u5404\u9879\u539f\u56e0\u4e4b\u9996\u3002<\/p>\n

\u00a0<\/p>\n

\u77ed\u671f<\/span>\u6295\u8d44\u548c\u62e9\u65f6\u884c\u4e3a\u8f83\u4e3a\u666e\u904d\uff0c\u91d1\u878d\u7d20\u517b\u63d0\u5347\u8feb\u5728\u7709\u776b<\/p>\n

\u9762\u5bf9\u5e02\u573a\u6ce2\u52a8\uff0c\u65b0\u5bcc\u4eba\u7fa4\u6108\u53d1\u4e13\u6ce8\u4e8e\u83b7\u53d6\u77ed\u671f\u6536\u76ca\u3002\u9ad8\u8fbe71.5%\u7684\u53d7\u8bbf\u8005\u516c\u52df\u57fa\u91d1\u6301\u4ed3\u65f6\u95f4\u5728\u4e00\u5e74\u4e4b\u5185\uff0c\u670939.5%\u6301\u4ed3\u65f6\u95f4\u4e0d\u8d85\u8fc76\u4e2a\u6708\uff0c\u6240\u6709\u6837\u672c\u7684\u5e73\u5747\u6301\u4ed3\u65f6\u95f4\u4ec5\u4e3a1.14\u5e74\u3002\u5728\u77ed\u671f\u89c6\u89d2\u7684\u9a71\u52a8\u4e0b\uff0c\u65b0\u5bcc\u4eba\u7fa4\u4e5f\u96be\u4ee5\u89c4\u907f”\u8ffd\u6da8\u6740\u8dcc”\u7684\u884c\u4e3a\u2014\u201463.0%\u7684\u53d7\u8bbf\u8005\u8868\u793a\u4f1a\u5728\u83b7\u5f97\u6d6e\u76c8\u540e\u52a0\u4ed3\uff0c43.6%\u4f1a\u5728\u4e8f\u635f\u65f6”\u5272\u8089”\u79bb\u573a\u3002<\/p>\n

\u57fa\u91d1\u6301\u4ed3\u65f6\u95f4\u4e0d\u8db3\u4e00\u5e74\u7684\u77ed\u671f\u6295\u8d44\u8005\u5bf9\u81ea\u8eab\u7406\u8d22\u80fd\u529b\u7684\u8ba4\u77e5\u548c\u4ed6\u4eec\u5b9e\u9645\u7684\u91d1\u878d\u7d20\u517b\u4e4b\u95f4\u5b58\u5728\u4e00\u5b9a\u5dee\u8ddd\u3002<\/p>\n

\u9ad8\u8fbe70.1%\u7684\u77ed\u671f\u6295\u8d44\u8005\u5bf9\u81ea\u5df1\u7684\u7406\u8d22\u80fd\u529b\u8868\u793a\u6ee1\u610f\uff0c\u8fd9\u4e00\u6570\u636e\u5728\u6301\u4ed3\u65f6\u95f4\u8d85\u8fc7\u4e00\u5e74\u7684\u957f\u671f\u6295\u8d44\u8005\u4e2d\u4ec5\u4e3a58.6%\u3002\u77ed\u671f\u6295\u8d44\u8005\u6700\u6ee1\u610f\u81ea\u5df1\u7684\u5e02\u573a\u5206\u6790\u80fd\u529b\uff0c\u800c\u957f\u671f\u6295\u8d44\u8005\u6700\u6ee1\u610f\u7684\u5219\u662f\u81ea\u5df1\u7684\u98ce\u9669\u7ba1\u7406\u80fd\u529b\u3002\u7136\u800c\uff0c\u77ed\u671f\u6295\u8d44\u8005”\u91d1\u878d\u7d20\u517b\u4e09\u95ee”\u5168\u5bf9\u7684\u6bd4\u4f8b\u4ec5\u4e3a15.5%\uff0c\u663e\u8457\u4f4e\u4e8e\u957f\u671f\u6295\u8d44\u8005\u768443.1%\uff0c\u8868\u660e\u6295\u8d44\u8005\u4ecd\u9700\u7740\u529b\u901a\u8fc7\u63d0\u5347\u91d1\u878d\u7d20\u517b\uff0c\u4ee5\u8df5\u884c\u66f4\u7406\u6027\u7684\u6295\u8d44\u884c\u4e3a\u3002<\/p>\n

“\u957f\u671f\u8d22\u52a1\u76ee\u6807\u7684\u5b9e\u73b0\u6709\u8d56\u4e8e\u6295\u8d44\u8005\u575a\u6301\u957f\u671f\u4e3b\u4e49\u3001\u7a7f\u8d8a\u7ecf\u6d4e\u5468\u671f\uff0c\u800c\u5728\u5e02\u573a\u6ce2\u52a8\u671f\u6020\u4e8e\u89c4\u5212\u3001\u8ffd\u9010\u77ed\u671f\u6536\u76ca\u5219\u53ef\u80fd\u4f1a\u5728\u672a\u6765\u9020\u6210\u8d22\u52a1\u5b89\u5168\u9690\u60a3\u3002\u5373\u4f7f\u5728\u6ce2\u52a8\u6027\u52a0\u5267\u7684\u60c5\u51b5\u4e0b\uff0c\u5206\u6563\u914d\u7f6e\u8d44\u4ea7\u4e5f\u80fd\u5e26\u6765\u76f8\u5bf9\u7a33\u5065\u7684\u6536\u76ca\uff0c\u5e2e\u52a9\u6295\u8d44\u8005\u66f4\u5e73\u7a33\u5730\u5ea6\u8fc7\u77ed\u671f\u9707\u8361\u3002\u56e0\u6b64\uff0c\u63d0\u5347\u6709\u5173\u957f\u671f\u6295\u8d44\u3001\u591a\u5143\u914d\u7f6e\u7684\u91d1\u878d\u7d20\u517b\u52bf\u5728\u5fc5\u884c\u3002”\u9ad8\u91d1\u6559\u6388\u5434\u98de\u5728\u89e3\u8bfb\u62a5\u544a\u53d1\u73b0\u65f6\u8c08\u5230\uff0c”\u5404\u7c7b\u91d1\u878d\u670d\u52a1\u548c\u6559\u80b2\u673a\u6784\u5e94\u5c31\u65b0\u5bcc\u4eba\u7fa4\u5728\u8d22\u5bcc\u7ba1\u7406\u4e2d\u9762\u4e34\u7684\u96be\u70b9\u75db\u70b9\uff0c\u5f00\u5c55\u5177\u6709\u9488\u5bf9\u6027\u7684\u91d1\u878d\u6559\u80b2\uff0c\u966a\u4f34\u65b0\u5bcc\u5bb6\u5ead\u4e0d\u65ad\u8d70\u5411\u8d22\u5bcc\u5065\u5eb7\u3002”<\/p>\n

\u517b\u8001\u610f\u8bc6\u63d0\u5347\u4f46\u5b9e\u9645\u884c\u52a8\u4e0d\u8db3\uff0c\u4e13\u4e1a\u6295\u987e\u670d\u52a1\u53ef\u52a9\u529b\u5b9e\u73b0\u957f\u671f\u76ee\u6807<\/p>\n

\u4eca\u5e74\uff0c\u65b0\u5bcc\u4eba\u7fa4\u5728\u517b\u8001\u89c4\u5212\u65b9\u9762\u8868\u73b0\u66f4\u4e3a\u79ef\u6781\uff0c\u62e5\u6709\u517b\u8001\u89c4\u5212\u7684\u53d7\u8bbf\u8005\u6bd4\u4f8b\u8f83\u53bb\u5e74\u4e0a\u6da8\u4e866.4\u4e2a\u767e\u5206\u70b9\uff0c\u8fbe\u523047.4%\u300245\u5c81\u53ca\u4ee5\u4e0a\u4eba\u7fa4\u8fdb\u884c\u517b\u8001\u89c4\u5212\u7684\u6bd4\u4f8b\u6700\u9ad8\uff0c\u4e3a58.3%\u3002<\/p>\n

\u8c03\u7814\u663e\u793a\uff0c\u62e5\u6709\u517b\u8001\u89c4\u5212\u7684\u4eba\u7fa4\u5bf9\u672a\u6765\u7684\u8bbe\u60f3\u66f4\u52a0\u6e05\u6670\uff0c\u517b\u8001\u51c6\u5907\u7684\u6267\u884c\u529b\u66f4\u5f3a\uff0c\u8fd9\u6709\u52a9\u4e8e\u63d0\u5347\u957f\u671f\u8d22\u5bcc\u4fe1\u5fc3\u548c\u6ee1\u610f\u5ea6\u3002<\/p>\n

\u6709\u517b\u8001\u89c4\u5212\u7684\u4eba\u7fa4\u4e2d\u670987.6%\u4f1a\u4e3a\u81ea\u5df1\u7684\u5404\u9879\u8d22\u52a1\u76ee\u6807\u5206\u522b\u51c6\u5907\u6240\u9700\u8d44\u91d1\uff08\u4f8b\u5982\u5f00\u8bbe\u72ec\u7acb\u8d26\u6237\uff09\uff0c\u800c\u8fd9\u4e00\u6bd4\u4f8b\u5728\u6ca1\u6709\u517b\u8001\u89c4\u5212\u7684\u4eba\u7fa4\u4e2d\u4ec5\u4e3a27.9%\u3002\u62e5\u6709\u517b\u8001\u89c4\u5212\u7684\u4eba\u7fa4\u5728\u603b\u4f53\u8d22\u5bcc\u5065\u5eb7\u548c\u56db\u9879\u6b21\u6307\u6570\u4e2d\u7684\u8868\u73b0\u90fd\u66f4\u4e3a\u51fa\u8272\u3002\u540c\u65f6\uff0c\u524d\u8005\u9884\u8ba1\u81ea\u5df1\u9000\u4f11\u540e\u6240\u9700\u7684\u6bcf\u6708\u652f\u51fa\u4e3a\u5e73\u574717844\u5143\uff0c\u9ad8\u4e8e\u540e\u8005\u768411809\u5143\u3002<\/p>\n

\u4f46\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u65b0\u5bcc\u4eba\u7fa4\u5bf9\u4e8e\u517b\u8001\u8d22\u52a1\u76ee\u6807\u7684\u8ba4\u8bc6\u4ecd\u6709\u5f85\u63d0\u5347\u548c\u7ec6\u5316\uff0c\u5426\u5219\u53ef\u80fd\u4f1a\u5728\u957f\u671f\u9020\u6210\u8d22\u52a1\u51c6\u5907\u4e0d\u8db3\u7684\u9690\u60a3\u3002\u5728\u5386\u5e74\u7684\u8c03\u7814\u4e2d\uff0c\u53d7\u8bbf\u8005\u4e3a\u81ea\u5df1\u8bbe\u5b9a\u7684\u5b9e\u73b0\u517b\u8001\u76ee\u6807\u6240\u9700\u65f6\u95f4\u5df2\u8fde\u7eed\u4e94\u5e74\u7f29\u77ed\uff0c\u4eca\u5e74\u5e73\u5747\u4e3a8.99\u5e74\uff0c\u8fdc\u4f4e\u4e8e\u884c\u4e1a\u666e\u904d\u8ba4\u77e5\u3002\u8fd9\u4e00\u8d8b\u52bf\u5728\u8ddd\u79bb\u9000\u4f11\u5e74\u9650\u6700\u957f\u768418-24\u5c81\u4eba\u7fa4\u4e2d\u6700\u4e3a\u660e\u663e\uff0c\u4ece\u53bb\u5e74\u768412.77\u5e74\u9510\u51cf\u5230\u4eca\u5e74\u76847.98\u5e74\u3002\u5728\u4e0e\u517b\u8001\u89c4\u5212\u76f8\u5173\u7684\u5404\u9879\u6295\u987e\u670d\u52a1\u4e2d\uff0c\u65b0\u5bcc\u4eba\u7fa4\u9700\u6c42\u6700\u9ad8\u7684\u670d\u52a1\u5185\u5bb9\u4e5f\u662f”\u5e2e\u52a9\u81ea\u5df1\u8bc4\u4f30\u9000\u4f11\u540e\u6240\u9700\u7684\u517b\u8001\u8d44\u91d1”\uff0c\u5f70\u663e\u4e86\u65b0\u5bcc\u4eba\u7fa4\u5728\u7406\u89e3\u517b\u8001\u6240\u9700\u7684\u8d22\u52a1\u51c6\u5907\u3001\u6811\u7acb\u7b26\u5408\u73b0\u5b9e\u60c5\u51b5\u7684\u8ba4\u77e5\u65b9\u9762\u9700\u8981\u4e13\u4e1a\u6307\u5bfc\u548c\u5e2e\u52a9\u3002<\/p>\n

\u5609\u4fe1\u7406\u8d22\uff08\u4e0a\u6d77\uff09\u603b\u7ecf\u7406Thomas Pixley\u5728\u73b0\u573a\u8868\u793a\uff1a”\u4eca\u5e74\u7684\u300a\u6307\u6570\u300b\u53d1\u73b0\u518d\u5ea6\u51f8\u663e\u4e86\u957f\u671f\u8d22\u52a1\u89c4\u5212\u548c\u5168\u65b9\u4f4d\u8d22\u5bcc\u7ba1\u7406\u5bf9\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u7684\u91cd\u8981\u610f\u4e49\uff0c\u4e5f\u4e3a\u91d1\u878d\u884c\u4e1a\u7684\u53d1\u5c55\u6307\u660e\u4e86\u65b9\u5411\u3002\u91d1\u878d\u670d\u52a1\u673a\u6784\u5e94\u5f53\u4ece\u6295\u8d44\u8005\u7684\u4eba\u751f\u76ee\u6807\u548c\u5bb6\u5ead\u9700\u6c42\u51fa\u53d1\uff0c\u5728\u4ece\u8d44\u4ea7\u5230\u8d1f\u503a\u7aef\u7684\u65b9\u65b9\u9762\u9762\u4e3a\u65b0\u5bcc\u4eba\u7fa4\u63d0\u4f9b\u9488\u5bf9\u6027\u7684\u5efa\u8bae\uff0c\u5f15\u5bfc\u4ed6\u4eec\u901a\u8fc7\u4e13\u6ce8\u5b9e\u73b0\u957f\u671f\u76ee\u6807\u6765\u5e73\u7a33\u5ea6\u8fc7\u4e0d\u53ef\u907f\u514d\u7684\u5e02\u573a\u6ce2\u52a8\uff0c\u628a\u63e1\u8d22\u5bcc\u4eba\u751f\u7684\u4e3b\u52a8\u6743\u3002”<\/p>\n

###<\/p>\n

\u5173\u4e8e\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b<\/p>\n

\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b\u662f\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u4e8e2017\u5e74\u5171\u540c\u53d1\u8d77\u7684\u4e00\u9879\u5408\u4f5c\u3002\u8c03\u7814\u7684\u95ee\u5377\u8bbe\u8ba1\u3001\u6570\u636e\u641c\u96c6\u548c\u6307\u6570\u62a5\u544a\u5236\u4f5c\u5747\u7531\u5168\u7403\u9886\u5148\u7684\u6d88\u8d39\u8005\u7814\u7a76\u4e0e\u96f6\u552e\u76d1\u6d4b\u516c\u53f8\u5c3c\u5c14\u68eeIQ\u6267\u884c\u3002\u8fd9\u9879\u6307\u6570\u65e8\u5728\u52a8\u6001\u8ffd\u8e2a\u65b0\u5bcc\u4eba\u7fa4\u8fd9\u4e00\u63a8\u52a8\u4e2d\u56fd\u4e43\u81f3\u5168\u7403\u7ecf\u6d4e\u53d1\u5c55\u7684\u7fa4\u4f53\u5bf9\u4e8e\u81ea\u8eab\u8d22\u5bcc\u5065\u5eb7\u7684\u8ba4\u77e5\u548c\u53d8\u5316\u3002\u5728\u6b64\u57fa\u7840\u4e0a\uff0c2024\u5e74\u7684\u300a\u6307\u6570\u300b\u81f4\u529b\u4e8e\u5e2e\u52a9\u91d1\u878d\u4e13\u4e1a\u4eba\u58eb\u548c\u653f\u7b56\u5236\u5b9a\u8005\u6df1\u5165\u4e86\u89e3\u548c\u63a2\u7a76\u4e2d\u56fd\u65b0\u5bcc\u7fa4\u4f53\u6295\u8d44\u884c\u4e3a\u80cc\u540e\u7684\u9a71\u52a8\u56e0\u7d20\uff0c\u4ece\u800c\u66f4\u597d\u5730\u670d\u52a1\u4e8e\u8fd9\u4e00\u5bf9\u4e2d\u56fd\u548c\u5168\u7403\u7ecf\u6d4e\u53d1\u5c55\u6781\u5176\u91cd\u8981\u7684\u7fa4\u4f53\u3002<\/p>\n

\u672c\u6b21\u8c03\u7814\u5171\u8bbf\u95ee\u4e864592\u540d\u5e74\u6536\u5165\u572812.5\u81f3100\u4e07\u5143\u4e4b\u95f4\u3001\u53ef\u6295\u8d44\u8d44\u4ea7\u5728700\u4e07\u5143\u4ee5\u4e0b\u7684\u65b0\u5bcc\u4eba\u7fa4\uff0c\u8986\u76d6\u4e2d\u56fd\u4e0a\u6d77\u3001\u5317\u4eac\u3001\u5e7f\u5dde\u3001\u6df1\u5733\u3001\u6210\u90fd\u3001\u676d\u5dde\u3001\u5927\u8fde\u3001\u53a6\u95e8\u3001\u91cd\u5e86\u3001\u6b66\u6c49\u3001\u5357\u901a\u3001\u77f3\u5bb6\u5e84\u3001\u4e2d\u5c71\u3001\u6606\u660e\u53ca\u8944\u9633\u7b49\u5341\u4e94\u5ea7\u57ce\u5e02\u3002<\/p>\n

\u5173\u4e8e\u4e0a\u6d77\u9ad8\u7ea7\u91d1\u878d\u5b66\u9662\u00a0<\/p>\n

\u4e0a\u6d77\u4ea4\u901a\u5927\u5b66\u4e0a\u6d77\u9ad8\u7ea7\u91d1\u878d\u5b66\u9662\u662f\u4e0a\u6d77\u5e02\u4eba\u6c11\u653f\u5e9c\u4e3a\u5b9e\u73b0\u5c06\u4e0a\u6d77\u5efa\u8bbe\u6210\u4e3a\u56fd\u9645\u91d1\u878d\u4e2d\u5fc3\u7684\u56fd\u5bb6\u6218\u7565\u3001\u6ee1\u8db3\u4e0a\u6d77\u4e43\u81f3\u5168\u56fd\u91d1\u878d\u4e1a\u53d1\u5c55\u5e76\u4e0e\u56fd\u9645\u63a5\u8f68\u7684\u8feb\u5207\u9700\u8981\uff0c\u4f9d\u6258\u4e0a\u6d77\u4ea4\u901a\u5927\u5b66\u800c\u521b\u5efa\u7684\u4e00\u6240\u6309\u7167\u56fd\u9645\u4e00\u6d41\u5546\u5b66\u9662\u6a21\u5f0f\u529e\u5b66\u7684\u91d1\u878d\u5b66\u9662\uff0c\u82f1\u6587\u540d\u79f0\u4e3aShanghai Advanced Institute of Finance (SAIF)\u3002\u5b66\u9662\u4ee5\u6c47\u805a\u56fd\u9645\u4e00\u6d41\u5e08\u8d44\u3001\u57f9\u517b\u9ad8\u7aef\u91d1\u878d\u4eba\u624d\u3001\u6784\u7b51\u5f00\u653e\u7814\u7a76\u5e73\u53f0\u3001\u5f62\u6210\u9876\u7ea7\u653f\u7b56\u667a\u5e93\u4f5c\u4e3a\u81ea\u5df1\u7684\u5fc5\u8fbe\u4f7f\u547d\u3002<\/p>\n

\u5173\u4e8e\u5609\u4fe1\u7406\u8d22\u548c\u5609\u4fe1\u7406\u8d22\u4e2d\u56fd<\/p>\n

\u5609\u4fe1\u7406\u8d22\u96c6\u56e2\uff08\u7ebd\u4ea4\u6240\u4ee3\u7801\uff1aSCHW\uff09\u662f\u4e00\u5bb6\u7f8e\u56fd\u9886\u5148\u7684\u91d1\u878d\u670d\u52a1\u673a\u6784\u3002\u622a\u81f32024\u5e748\u670831\u65e5\uff0c\u5609\u4fe1\u7406\u8d22\u62e5\u6709\u903e350\u5bb6\u5206\u652f\u673a\u6784\uff0c\u6d3b\u8dc3\u4ea4\u6613\u8d26\u62373590\u4e07\u4e2a\uff0c\u8d44\u4ea7\u7ba1\u7406\u89c4\u6a21\u8fbe9.74\u4e07\u4ebf\u7f8e\u5143\u3002\u5609\u4fe1\u7406\u8d22\u81f4\u529b\u4e8e\u4e3a\u4e2a\u4eba\u6295\u8d44\u8005\u548c\u72ec\u7acb\u6295\u8d44\u987e\u95ee\u63d0\u4f9b\u5168\u65b9\u4f4d\u7684\u8d22\u5bcc\u7ba1\u7406\u4ea7\u54c1\u548c\u670d\u52a1\u3002\u5176\u5728\u7f8e\u56fd\u7684\u4e3b\u8425\u4e1a\u52a1\u5305\u62ec\uff1a\u8bc1\u5238\u7ecf\u7eaa\u3001\u94f6\u884c\u4e1a\u52a1\u3001\u8d44\u4ea7\u7ba1\u7406\u3001\u8d26\u6237\u6258\u7ba1\u4ee5\u53ca\u6295\u8d44\u987e\u95ee\u670d\u52a1\u7b49\u3002\u00a0<\/p>\n

\u5609\u4fe1\u534e\u7934\uff08\u4e0a\u6d77\uff09\u4f01\u4e1a\u7ba1\u7406\u54a8\u8be2\u6709\u9650\u516c\u53f8\u662f\u5609\u4fe1\u7406\u8d22\u4e8e\u4e0a\u6d77\u6ce8\u518c\u6210\u7acb\u7684\u4e00\u5bb6\u5916\u5546\u72ec\u8d44\u4f01\u4e1a\u548c\u5168\u8d44\u5b50\u516c\u53f8\u3002\u4ee5\u8be5\u516c\u53f8\u4e3a\u5e73\u53f0\uff0c\u5609\u4fe1\u7406\u8d22\u8ba1\u5212\u5728\u4e2d\u56fd\u5e02\u573a\u7740\u529b\u5f00\u5c55\u6295\u8d44\u8005\u6559\u80b2\uff0c\u63d0\u5347\u4e2d\u56fd\u6295\u8d44\u8005\u7684\u91d1\u878d\u7d20\u517b\uff0c\u589e\u5f3a\u5176\u5bf9\u79d1\u5b66\u8d22\u5bcc\u7ba1\u7406\u7684\u53c2\u4e0e\u5ea6\u3002\u00a0<\/p>\n

\u9ad8\u91d1\u4e0e\u5609\u4fe1\u7406\u8d22\u4e4b\u95f4\u4e0d\u5b58\u5728\u9644\u5c5e\u5173\u7cfb\u3002\u53cc\u65b9\u6240\u53d1\u8868\u7684\u4efb\u4f55\u89c2\u70b9\u5e76\u4e0d\u4ee3\u8868\u5bf9\u65b9\u7acb\u573a\u3002\u6240\u6709\u8d44\u8baf\u5e76\u4e0d\u6784\u6210\u4efb\u4f55\u63a8\u8350\u3001\u8d2d\u4e70\u6216\u51fa\u552e\u4efb\u4f55\u8bc1\u5238\u7684\u9080\u7ea6\uff0c\u4e5f\u5e76\u975e\u65e8\u5728\u63d0\u4f9b\u4efb\u4f55\u7a0e\u52a1\u3001\u6cd5\u5f8b\u6216\u6295\u8d44\u5efa\u8bae\u3002<\/p>\n

\u5a92\u4f53\u5782\u8be2\uff1a<\/span><\/p>\n

\u6797\u96ea | \u5b89\u53ef\u987e\u95eeAPCO
\u7535\u8bdd\uff1a+86 185-2651-2314
\u90ae\u7bb1\uff1aelin@apcoworldwide.com<\/a><\/span><\/p>\n

\n<\/div>\n

SOURCE \u5609\u4fe1\u7406\u8d22<\/p>","protected":false},"excerpt":{"rendered":"

\u9000\u4f11\u517b\u8001\u7b49\u8d22\u52a1\u9700\u6c42\u65e5\u76ca\u590d\u6742\uff0c\u91d1\u878d\u673a\u6784\u5e94\u52a9\u529b\u5b9e\u73b0\u957f\u671f\u4e3b\u4e49 \u4e0a\u6d772024\u5e7410\u670824\u65e5 \/\u7f8e\u901a\u793e\/ — 10\u670823\u65e5\uff0c\u4e0a\u6d77\u4ea4\u901a\u5927\u5b66\u4e0a\u6d77\u9ad8\u7ea7\u91d1\u878d\u5b66\u9662\uff08\u9ad8\u91d1\uff09\u4e0e\u5168\u7403\u9886\u5148\u7684\u91d1\u878d\u670d\u52a1\u673a\u6784\u5609\u4fe1\u7406\u8d22\uff08Charles Schwab\uff09\u8054\u5408\u53d1\u5e03\u7b2c\u516b\u5e74\u5ea6\u7684\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b\uff08\u300a\u6307\u6570\u300b\uff09\u3002\u65b0\u5bcc\u4eba\u7fa4\u662f\u6307\u5e74\u6536\u5165\u572812.5\u81f3100\u4e07\u5143\u4e4b\u95f4\u3001\u53ef\u6295\u8d44\u8d44\u4ea7\u5728700\u4e07\u5143\u4ee5\u4e0b\u7684\u4eba\u7fa4\u3002\u8be5\u6307\u6570\u65e8\u5728\u52a8\u6001\u8ffd\u8e2a\u8fd9\u4e00\u5bf9\u4e2d\u56fd\u4e43\u81f3\u5168\u7403\u7ecf\u6d4e\u589e\u957f\u5177\u6709\u91cd\u8981\u63a8\u52a8\u529b\u7684\u7fa4\u4f53\u4e0d\u65ad\u53d8\u5316\u7684\u6295\u8d44\u884c\u4e3a\u548c\u8d22\u5bcc\u5065\u5eb7\u3002 2024\u5e74\uff0c\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u7684\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u4ece\u4e0a\u4e00\u5e74\u768470.78\u5206\u5c0f\u5e45\u4e0b\u964d\u81f370.51\u5206\uff0c\u8d22\u5bcc\u4fe1\u5fc3\u3001\u8d22\u52a1\u89c4\u5212\u548c\u8d44\u4ea7\u7ba1\u7406\u7b49\u6b21\u6307\u6570\u5206\u522b\u4e0b\u964d0.46\u5206\u30013.36\u5206\u548c1.22\u5206\uff0c\u4f46\u6295\u8d44\u53c2\u4e0e\u6c34\u5e73\u6709\u4e00\u5b9a\u63d0\u5347\uff0c\u4ece\u4e0a\u4e00\u5e74\u768478.95\u5206\u4e0a\u5347\u81f379.72\u5206\uff0c\u4e3b\u8981\u4f53\u73b0\u5728\u53d7\u8bbf\u8005\u5bf9\u5404\u7c7b\u91d1\u878d\u670d\u52a1\u7684\u4f7f\u7528\u66f4\u8d8b\u4e8e\u591a\u5143\u3001\u5bf9\u6295\u987e\u670d\u52a1\u7684\u8ba4\u77e5\u548c\u6001\u5ea6\u4e5f\u6301\u7eed\u6539\u5584\u3002 \u4e0a\u6d77\u9ad8\u7ea7\u91d1\u878d\u5b66\u9662\u521b\u9662\u7406\u4e8b\u957f\u5c60\u5149\u7ecd\u5728\u53d1\u5e03\u4f1a\u7684\u81f4\u8f9e\u4e2d\u5f3a\u8c03\uff1a”\u8fdb\u5165\u4e86\u9ad8\u8d28\u91cf\u53d1\u5c55\u9636\u6bb5\uff0c\u7ecf\u6d4e\u53d1\u5c55\u7684\u52a8\u80fd\u548c\u7ed3\u6784\u6b63\u7ecf\u5386\u91cd\u8981\u8f6c\u578b\uff0c\u6269\u5927\u5185\u9700\u4fc3\u8fdb\u6d88\u8d39\u5728\u63a8\u52a8\u7ecf\u6d4e\u589e\u957f\u548c\u53d1\u5c55\u4e2d\u7684\u91cd\u8981\u6027\u8fdb\u4e00\u6b65\u663e\u73b0\u3002\u65b0\u5bcc\u4eba\u7fa4\u662f\u62c9\u52a8\u5185\u9700\u548c\u6d88\u8d39\u7684\u4e2d\u575a\u529b\u91cf\uff0c\u6211\u4eec\u5f3a\u8c03\u8981\u6269\u5927\u4e2d\u7b49\u6536\u5165\u7fa4\u4f53\u7684\u89c4\u6a21\uff0c\u65b0\u5bcc\u4eba\u7fa4\u6070\u6070\u5c31\u662f\u4e2d\u7b49\u6536\u5165\u7fa4\u4f53\u4e2d\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\uff0c\u56e0\u6b64\uff0c\u4ed6\u4eec\u7684\u8d22\u5bcc\u7ba1\u7406\u884c\u4e3a\u548c\u8d22\u5bcc\u5065\u5eb7\u6c34\u5e73\u5bf9\u4e8e\u793e\u4f1a\u7ecf\u6d4e\u53d1\u5c55\u5177\u6709\u91cd\u8981\u5f71\u54cd\u3002\u62a5\u544a\u7814\u7a76\u56e2\u961f\u5df2\u7ecf\u8fde\u7eed\u516b\u5e74\u5173\u6ce8\u8fd9\u4e2a\u7fa4\u4f53\uff0c\u7ed3\u5408\u56fd\u9645\u7ecf\u9a8c\u548c\u672c\u571f\u89c6\u89d2\uff0c\u4f53\u73b0\u4e86\u4e25\u8c28\u3001\u6301\u7eed\u7684\u7814\u7a76\u6001\u5ea6\u3002\u800c\u8fd9\u9879\u7814\u7a76\u548c\u300a\u4e2d\u56fd\u5c45\u6c11\u91d1\u878d\u7d20\u517b\u62a5\u544a\u300b\u4e00\u8d77\u5171\u540c\u6784\u6210\u4e86\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u5408\u4f5c\u5206\u6790\u5c45\u6c11\u8d22\u5bcc\u7ba1\u7406\u72b6\u51b5\u7684\u4e24\u4e2a\u91cd\u8981\u652f\u70b9\uff0c\u901a\u8fc7\u4ece\u4e0d\u540c\u89d2\u5ea6\u8ddf\u8e2a\u5206\u6790\u4e2d\u56fd\u5c45\u6c11\u91d1\u878d\u884c\u4e3a\u7684\u53d8\u5316\uff0c\u4e3a\u5404\u65b9\u534f\u540c\u3001\u4e0d\u65ad\u52a9\u529b\u5c45\u6c11\u91d1\u878d\u7d20\u517b\u548c\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6c34\u5e73\u7684\u63d0\u9ad8\u63d0\u4f9b\u652f\u6301\u3002” \u5bb6\u5ead\u503a\u52a1\u5bf9\u8d22\u5bcc\u5065\u5eb7\u5177\u6709\u6df1\u8fdc\u5f71\u54cd\uff0c\u575a\u6301\u8d22\u52a1\u89c4\u5212\u65b9\u80fd\u6709\u5907\u65e0\u60a3\u00a0 \u4eca\u5e74\uff0c\u65b0\u5bcc\u4eba\u7fa4\u5bf9\u5bb6\u5ead\u503a\u52a1\u95ee\u9898\u7684\u5173\u6ce8\u5ea6\u663e\u8457\u4e0a\u5347\uff0c\u5728\u6708\u6536\u51651.5-3\u4e07\u5143\u548c3\u4e07\u5143\u4ee5\u4e0a\u7684\u4e2d\u3001\u9ad8\u6536\u5165\u7fa4\u4f53\u4e2d\u5c24\u5176\u660e\u663e\u3002\u5176\u4e2d\uff0c22.4%\u7684\u9ad8\u6536\u5165\u65b0\u5bcc\u4eba\u7fa4\u5c06\u8d1f\u503a\u4f5c\u4e3a\u8bc4\u4f30\u5f53\u524d\u8d22\u52a1\u72b6\u51b5\u65f6\u7684\u9996\u8981\u5173\u6ce8\u70b9\u4e4b\u4e00\uff0c\u8f83\u53bb\u5e74\u4e0a\u53478.6\u4e2a\u767e\u5206\u70b9\uff0c\u521b\u8c03\u7814\u4ee5\u6765\u7684\u65b0\u9ad8\u3002 \u503a\u52a1\u95ee\u9898\u4e5f\u56e0\u6b64\u5bf9\u65b0\u5bcc\u4eba\u7fa4\u7684\u8d22\u5bcc\u4fe1\u5fc3\u9020\u6210\u4e86\u4e00\u5b9a\u5f71\u54cd\u3002\u5728\u6301\u6709\u503a\u52a1\u7684\u65b0\u5bcc\u4eba\u7fa4\uff0c\u4ec5\u670934.9%\u5bf9\u4e8e\u81ea\u5df1\u5f53\u524d\u7684\u8d22\u52a1\u72b6\u51b5\u975e\u5e38\u6ee1\u610f\uff0c\u4f4e\u4e8e\u65e0\u503a\u52a1\u4eba\u7fa4\u768442.6%\u3002\u9762\u5bf9\u8fd9\u4e9b\u6311\u6218\uff0c\u65b0\u5bcc\u4eba\u7fa4\u5728\u957f\u671f\u8d22\u52a1\u89c4\u5212\u65b9\u9762\u4ecd\u6709\u8f83\u5927\u7684\u8fdb\u6b65\u7a7a\u95f4\u3002 \u62e5\u6709\u8d22\u52a1\u89c4\u5212\u7684\u65b0\u5bcc\u4eba\u7fa4\u6bd4\u4f8b\u5df2\u8fde\u7eed\u4e09\u5e74\u4e0b\u964d\uff0c\u4eca\u5e74\u4ec5\u4e3a58.7%\uff0c\u8f83\u53bb\u5e74\u5927\u5e45\u4e0b\u964d6.1\u4e2a\u767e\u5206\u70b9\u3002\u503a\u52a1\u7ba1\u7406\u65b9\u9762\u7684\u89c4\u5212\u5c24\u5176\u8584\u5f31\u300255.2%\u7684\u53d7\u8bbf\u8005\u8868\u793a\u81ea\u5df1\u6301\u6709\u503a\u52a1\uff0c\u4f46\u53ea\u670919.2%\u8ba4\u4e3a\u8d22\u52a1\u89c4\u5212\u4e2d\u5e94\u5f53\u5305\u542b\u503a\u52a1\uff0c\u8fdc\u4f4e\u4e8e\u5bf9\u98ce\u9669\u8003\u91cf\uff0846.5%\uff09\u3001\u53ef\u6295\u8d44\u8d44\u4ea7\uff0841.2%\uff09\u7b49\u5176\u4ed6\u8d22\u52a1\u89c4\u5212\u8981\u7d20\u7684\u8ba4\u77e5\u5ea6\u3002\u5bf9\u8d22\u52a1\u89c4\u5212\u7684\u7406\u89e3\u4e0d\u8db3\u53ef\u80fd\u662f\u4e3b\u8981\u539f\u56e0\u3002\u8d22\u52a1\u89c4\u5212\u5e94\u5f53\u662f\u4e00\u9879\u9700\u8981\u6839\u636e\u81ea\u8eab\u548c\u5916\u90e8\u73af\u5883\u53d8\u5316\u800c\u4e0d\u65ad\u8c03\u6574\u3001\u66f4\u65b0\u7684\u957f\u671f\u5de5\u4f5c\uff0c\u4f46\u4ecd\u6709\u8d85\u8fc7\u4e09\u6210\u53d7\u8bbf\u8005\u56e0\u4e3a”\u8ba1\u5212\u8d76\u4e0d\u4e0a\u53d8\u5316”\u800c\u4e0d\u505a\u8d22\u52a1\u89c4\u5212\uff0c\u4e3a\u5404\u9879\u539f\u56e0\u4e4b\u9996\u3002 \u00a0 \u77ed\u671f\u6295\u8d44\u548c\u62e9\u65f6\u884c\u4e3a\u8f83\u4e3a\u666e\u904d\uff0c\u91d1\u878d\u7d20\u517b\u63d0\u5347\u8feb\u5728\u7709\u776b \u9762\u5bf9\u5e02\u573a\u6ce2\u52a8\uff0c\u65b0\u5bcc\u4eba\u7fa4\u6108\u53d1\u4e13\u6ce8\u4e8e\u83b7\u53d6\u77ed\u671f\u6536\u76ca\u3002\u9ad8\u8fbe71.5%\u7684\u53d7\u8bbf\u8005\u516c\u52df\u57fa\u91d1\u6301\u4ed3\u65f6\u95f4\u5728\u4e00\u5e74\u4e4b\u5185\uff0c\u670939.5%\u6301\u4ed3\u65f6\u95f4\u4e0d\u8d85\u8fc76\u4e2a\u6708\uff0c\u6240\u6709\u6837\u672c\u7684\u5e73\u5747\u6301\u4ed3\u65f6\u95f4\u4ec5\u4e3a1.14\u5e74\u3002\u5728\u77ed\u671f\u89c6\u89d2\u7684\u9a71\u52a8\u4e0b\uff0c\u65b0\u5bcc\u4eba\u7fa4\u4e5f\u96be\u4ee5\u89c4\u907f”\u8ffd\u6da8\u6740\u8dcc”\u7684\u884c\u4e3a\u2014\u201463.0%\u7684\u53d7\u8bbf\u8005\u8868\u793a\u4f1a\u5728\u83b7\u5f97\u6d6e\u76c8\u540e\u52a0\u4ed3\uff0c43.6%\u4f1a\u5728\u4e8f\u635f\u65f6”\u5272\u8089”\u79bb\u573a\u3002 \u57fa\u91d1\u6301\u4ed3\u65f6\u95f4\u4e0d\u8db3\u4e00\u5e74\u7684\u77ed\u671f\u6295\u8d44\u8005\u5bf9\u81ea\u8eab\u7406\u8d22\u80fd\u529b\u7684\u8ba4\u77e5\u548c\u4ed6\u4eec\u5b9e\u9645\u7684\u91d1\u878d\u7d20\u517b\u4e4b\u95f4\u5b58\u5728\u4e00\u5b9a\u5dee\u8ddd\u3002 \u9ad8\u8fbe70.1%\u7684\u77ed\u671f\u6295\u8d44\u8005\u5bf9\u81ea\u5df1\u7684\u7406\u8d22\u80fd\u529b\u8868\u793a\u6ee1\u610f\uff0c\u8fd9\u4e00\u6570\u636e\u5728\u6301\u4ed3\u65f6\u95f4\u8d85\u8fc7\u4e00\u5e74\u7684\u957f\u671f\u6295\u8d44\u8005\u4e2d\u4ec5\u4e3a58.6%\u3002\u77ed\u671f\u6295\u8d44\u8005\u6700\u6ee1\u610f\u81ea\u5df1\u7684\u5e02\u573a\u5206\u6790\u80fd\u529b\uff0c\u800c\u957f\u671f\u6295\u8d44\u8005\u6700\u6ee1\u610f\u7684\u5219\u662f\u81ea\u5df1\u7684\u98ce\u9669\u7ba1\u7406\u80fd\u529b\u3002\u7136\u800c\uff0c\u77ed\u671f\u6295\u8d44\u8005”\u91d1\u878d\u7d20\u517b\u4e09\u95ee”\u5168\u5bf9\u7684\u6bd4\u4f8b\u4ec5\u4e3a15.5%\uff0c\u663e\u8457\u4f4e\u4e8e\u957f\u671f\u6295\u8d44\u8005\u768443.1%\uff0c\u8868\u660e\u6295\u8d44\u8005\u4ecd\u9700\u7740\u529b\u901a\u8fc7\u63d0\u5347\u91d1\u878d\u7d20\u517b\uff0c\u4ee5\u8df5\u884c\u66f4\u7406\u6027\u7684\u6295\u8d44\u884c\u4e3a\u3002 “\u957f\u671f\u8d22\u52a1\u76ee\u6807\u7684\u5b9e\u73b0\u6709\u8d56\u4e8e\u6295\u8d44\u8005\u575a\u6301\u957f\u671f\u4e3b\u4e49\u3001\u7a7f\u8d8a\u7ecf\u6d4e\u5468\u671f\uff0c\u800c\u5728\u5e02\u573a\u6ce2\u52a8\u671f\u6020\u4e8e\u89c4\u5212\u3001\u8ffd\u9010\u77ed\u671f\u6536\u76ca\u5219\u53ef\u80fd\u4f1a\u5728\u672a\u6765\u9020\u6210\u8d22\u52a1\u5b89\u5168\u9690\u60a3\u3002\u5373\u4f7f\u5728\u6ce2\u52a8\u6027\u52a0\u5267\u7684\u60c5\u51b5\u4e0b\uff0c\u5206\u6563\u914d\u7f6e\u8d44\u4ea7\u4e5f\u80fd\u5e26\u6765\u76f8\u5bf9\u7a33\u5065\u7684\u6536\u76ca\uff0c\u5e2e\u52a9\u6295\u8d44\u8005\u66f4\u5e73\u7a33\u5730\u5ea6\u8fc7\u77ed\u671f\u9707\u8361\u3002\u56e0\u6b64\uff0c\u63d0\u5347\u6709\u5173\u957f\u671f\u6295\u8d44\u3001\u591a\u5143\u914d\u7f6e\u7684\u91d1\u878d\u7d20\u517b\u52bf\u5728\u5fc5\u884c\u3002”\u9ad8\u91d1\u6559\u6388\u5434\u98de\u5728\u89e3\u8bfb\u62a5\u544a\u53d1\u73b0\u65f6\u8c08\u5230\uff0c”\u5404\u7c7b\u91d1\u878d\u670d\u52a1\u548c\u6559\u80b2\u673a\u6784\u5e94\u5c31\u65b0\u5bcc\u4eba\u7fa4\u5728\u8d22\u5bcc\u7ba1\u7406\u4e2d\u9762\u4e34\u7684\u96be\u70b9\u75db\u70b9\uff0c\u5f00\u5c55\u5177\u6709\u9488\u5bf9\u6027\u7684\u91d1\u878d\u6559\u80b2\uff0c\u966a\u4f34\u65b0\u5bcc\u5bb6\u5ead\u4e0d\u65ad\u8d70\u5411\u8d22\u5bcc\u5065\u5eb7\u3002” \u517b\u8001\u610f\u8bc6\u63d0\u5347\u4f46\u5b9e\u9645\u884c\u52a8\u4e0d\u8db3\uff0c\u4e13\u4e1a\u6295\u987e\u670d\u52a1\u53ef\u52a9\u529b\u5b9e\u73b0\u957f\u671f\u76ee\u6807 \u4eca\u5e74\uff0c\u65b0\u5bcc\u4eba\u7fa4\u5728\u517b\u8001\u89c4\u5212\u65b9\u9762\u8868\u73b0\u66f4\u4e3a\u79ef\u6781\uff0c\u62e5\u6709\u517b\u8001\u89c4\u5212\u7684\u53d7\u8bbf\u8005\u6bd4\u4f8b\u8f83\u53bb\u5e74\u4e0a\u6da8\u4e866.4\u4e2a\u767e\u5206\u70b9\uff0c\u8fbe\u523047.4%\u300245\u5c81\u53ca\u4ee5\u4e0a\u4eba\u7fa4\u8fdb\u884c\u517b\u8001\u89c4\u5212\u7684\u6bd4\u4f8b\u6700\u9ad8\uff0c\u4e3a58.3%\u3002 \u8c03\u7814\u663e\u793a\uff0c\u62e5\u6709\u517b\u8001\u89c4\u5212\u7684\u4eba\u7fa4\u5bf9\u672a\u6765\u7684\u8bbe\u60f3\u66f4\u52a0\u6e05\u6670\uff0c\u517b\u8001\u51c6\u5907\u7684\u6267\u884c\u529b\u66f4\u5f3a\uff0c\u8fd9\u6709\u52a9\u4e8e\u63d0\u5347\u957f\u671f\u8d22\u5bcc\u4fe1\u5fc3\u548c\u6ee1\u610f\u5ea6\u3002 \u6709\u517b\u8001\u89c4\u5212\u7684\u4eba\u7fa4\u4e2d\u670987.6%\u4f1a\u4e3a\u81ea\u5df1\u7684\u5404\u9879\u8d22\u52a1\u76ee\u6807\u5206\u522b\u51c6\u5907\u6240\u9700\u8d44\u91d1\uff08\u4f8b\u5982\u5f00\u8bbe\u72ec\u7acb\u8d26\u6237\uff09\uff0c\u800c\u8fd9\u4e00\u6bd4\u4f8b\u5728\u6ca1\u6709\u517b\u8001\u89c4\u5212\u7684\u4eba\u7fa4\u4e2d\u4ec5\u4e3a27.9%\u3002\u62e5\u6709\u517b\u8001\u89c4\u5212\u7684\u4eba\u7fa4\u5728\u603b\u4f53\u8d22\u5bcc\u5065\u5eb7\u548c\u56db\u9879\u6b21\u6307\u6570\u4e2d\u7684\u8868\u73b0\u90fd\u66f4\u4e3a\u51fa\u8272\u3002\u540c\u65f6\uff0c\u524d\u8005\u9884\u8ba1\u81ea\u5df1\u9000\u4f11\u540e\u6240\u9700\u7684\u6bcf\u6708\u652f\u51fa\u4e3a\u5e73\u574717844\u5143\uff0c\u9ad8\u4e8e\u540e\u8005\u768411809\u5143\u3002 \u4f46\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u65b0\u5bcc\u4eba\u7fa4\u5bf9\u4e8e\u517b\u8001\u8d22\u52a1\u76ee\u6807\u7684\u8ba4\u8bc6\u4ecd\u6709\u5f85\u63d0\u5347\u548c\u7ec6\u5316\uff0c\u5426\u5219\u53ef\u80fd\u4f1a\u5728\u957f\u671f\u9020\u6210\u8d22\u52a1\u51c6\u5907\u4e0d\u8db3\u7684\u9690\u60a3\u3002\u5728\u5386\u5e74\u7684\u8c03\u7814\u4e2d\uff0c\u53d7\u8bbf\u8005\u4e3a\u81ea\u5df1\u8bbe\u5b9a\u7684\u5b9e\u73b0\u517b\u8001\u76ee\u6807\u6240\u9700\u65f6\u95f4\u5df2\u8fde\u7eed\u4e94\u5e74\u7f29\u77ed\uff0c\u4eca\u5e74\u5e73\u5747\u4e3a8.99\u5e74\uff0c\u8fdc\u4f4e\u4e8e\u884c\u4e1a\u666e\u904d\u8ba4\u77e5\u3002\u8fd9\u4e00\u8d8b\u52bf\u5728\u8ddd\u79bb\u9000\u4f11\u5e74\u9650\u6700\u957f\u768418-24\u5c81\u4eba\u7fa4\u4e2d\u6700\u4e3a\u660e\u663e\uff0c\u4ece\u53bb\u5e74\u768412.77\u5e74\u9510\u51cf\u5230\u4eca\u5e74\u76847.98\u5e74\u3002\u5728\u4e0e\u517b\u8001\u89c4\u5212\u76f8\u5173\u7684\u5404\u9879\u6295\u987e\u670d\u52a1\u4e2d\uff0c\u65b0\u5bcc\u4eba\u7fa4\u9700\u6c42\u6700\u9ad8\u7684\u670d\u52a1\u5185\u5bb9\u4e5f\u662f”\u5e2e\u52a9\u81ea\u5df1\u8bc4\u4f30\u9000\u4f11\u540e\u6240\u9700\u7684\u517b\u8001\u8d44\u91d1”\uff0c\u5f70\u663e\u4e86\u65b0\u5bcc\u4eba\u7fa4\u5728\u7406\u89e3\u517b\u8001\u6240\u9700\u7684\u8d22\u52a1\u51c6\u5907\u3001\u6811\u7acb\u7b26\u5408\u73b0\u5b9e\u60c5\u51b5\u7684\u8ba4\u77e5\u65b9\u9762\u9700\u8981\u4e13\u4e1a\u6307\u5bfc\u548c\u5e2e\u52a9\u3002 \u5609\u4fe1\u7406\u8d22\uff08\u4e0a\u6d77\uff09\u603b\u7ecf\u7406Thomas Pixley\u5728\u73b0\u573a\u8868\u793a\uff1a”\u4eca\u5e74\u7684\u300a\u6307\u6570\u300b\u53d1\u73b0\u518d\u5ea6\u51f8\u663e\u4e86\u957f\u671f\u8d22\u52a1\u89c4\u5212\u548c\u5168\u65b9\u4f4d\u8d22\u5bcc\u7ba1\u7406\u5bf9\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u7684\u91cd\u8981\u610f\u4e49\uff0c\u4e5f\u4e3a\u91d1\u878d\u884c\u4e1a\u7684\u53d1\u5c55\u6307\u660e\u4e86\u65b9\u5411\u3002\u91d1\u878d\u670d\u52a1\u673a\u6784\u5e94\u5f53\u4ece\u6295\u8d44\u8005\u7684\u4eba\u751f\u76ee\u6807\u548c\u5bb6\u5ead\u9700\u6c42\u51fa\u53d1\uff0c\u5728\u4ece\u8d44\u4ea7\u5230\u8d1f\u503a\u7aef\u7684\u65b9\u65b9\u9762\u9762\u4e3a\u65b0\u5bcc\u4eba\u7fa4\u63d0\u4f9b\u9488\u5bf9\u6027\u7684\u5efa\u8bae\uff0c\u5f15\u5bfc\u4ed6\u4eec\u901a\u8fc7\u4e13\u6ce8\u5b9e\u73b0\u957f\u671f\u76ee\u6807\u6765\u5e73\u7a33\u5ea6\u8fc7\u4e0d\u53ef\u907f\u514d\u7684\u5e02\u573a\u6ce2\u52a8\uff0c\u628a\u63e1\u8d22\u5bcc\u4eba\u751f\u7684\u4e3b\u52a8\u6743\u3002” ### \u5173\u4e8e\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b \u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b\u662f\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u4e8e2017\u5e74\u5171\u540c\u53d1\u8d77\u7684\u4e00\u9879\u5408\u4f5c\u3002\u8c03\u7814\u7684\u95ee\u5377\u8bbe\u8ba1\u3001\u6570\u636e\u641c\u96c6\u548c\u6307\u6570\u62a5\u544a\u5236\u4f5c\u5747\u7531\u5168\u7403\u9886\u5148\u7684\u6d88\u8d39\u8005\u7814\u7a76\u4e0e\u96f6\u552e\u76d1\u6d4b\u516c\u53f8\u5c3c\u5c14\u68eeIQ\u6267\u884c\u3002\u8fd9\u9879\u6307\u6570\u65e8\u5728\u52a8\u6001\u8ffd\u8e2a\u65b0\u5bcc\u4eba\u7fa4\u8fd9\u4e00\u63a8\u52a8\u4e2d\u56fd\u4e43\u81f3\u5168\u7403\u7ecf\u6d4e\u53d1\u5c55\u7684\u7fa4\u4f53\u5bf9\u4e8e\u81ea\u8eab\u8d22\u5bcc\u5065\u5eb7\u7684\u8ba4\u77e5\u548c\u53d8\u5316\u3002\u5728\u6b64\u57fa\u7840\u4e0a\uff0c2024\u5e74\u7684\u300a\u6307\u6570\u300b\u81f4\u529b\u4e8e\u5e2e\u52a9\u91d1\u878d\u4e13\u4e1a\u4eba\u58eb\u548c\u653f\u7b56\u5236\u5b9a\u8005\u6df1\u5165\u4e86\u89e3\u548c\u63a2\u7a76\u4e2d\u56fd\u65b0\u5bcc\u7fa4\u4f53\u6295\u8d44\u884c\u4e3a\u80cc\u540e\u7684\u9a71\u52a8\u56e0\u7d20\uff0c\u4ece\u800c\u66f4\u597d\u5730\u670d\u52a1\u4e8e\u8fd9\u4e00\u5bf9\u4e2d\u56fd\u548c\u5168\u7403\u7ecf\u6d4e\u53d1\u5c55\u6781\u5176\u91cd\u8981\u7684\u7fa4\u4f53\u3002 \u672c\u6b21\u8c03\u7814\u5171\u8bbf\u95ee\u4e864592\u540d\u5e74\u6536\u5165\u572812.5\u81f3100\u4e07\u5143\u4e4b\u95f4\u3001\u53ef\u6295\u8d44\u8d44\u4ea7\u5728700\u4e07\u5143\u4ee5\u4e0b\u7684\u65b0\u5bcc\u4eba\u7fa4\uff0c\u8986\u76d6\u4e2d\u56fd\u4e0a\u6d77\u3001\u5317\u4eac\u3001\u5e7f\u5dde\u3001\u6df1\u5733\u3001\u6210\u90fd\u3001\u676d\u5dde\u3001\u5927\u8fde\u3001\u53a6\u95e8\u3001\u91cd\u5e86\u3001\u6b66\u6c49\u3001\u5357\u901a\u3001\u77f3\u5bb6\u5e84\u3001\u4e2d\u5c71\u3001\u6606\u660e\u53ca\u8944\u9633\u7b49\u5341\u4e94\u5ea7\u57ce\u5e02\u3002 \u5173\u4e8e\u4e0a\u6d77\u9ad8\u7ea7\u91d1\u878d\u5b66\u9662\u00a0 \u4e0a\u6d77\u4ea4\u901a\u5927\u5b66\u4e0a\u6d77\u9ad8\u7ea7\u91d1\u878d\u5b66\u9662\u662f\u4e0a\u6d77\u5e02\u4eba\u6c11\u653f\u5e9c\u4e3a\u5b9e\u73b0\u5c06\u4e0a\u6d77\u5efa\u8bbe\u6210\u4e3a\u56fd\u9645\u91d1\u878d\u4e2d\u5fc3\u7684\u56fd\u5bb6\u6218\u7565\u3001\u6ee1\u8db3\u4e0a\u6d77\u4e43\u81f3\u5168\u56fd\u91d1\u878d\u4e1a\u53d1\u5c55\u5e76\u4e0e\u56fd\u9645\u63a5\u8f68\u7684\u8feb\u5207\u9700\u8981\uff0c\u4f9d\u6258\u4e0a\u6d77\u4ea4\u901a\u5927\u5b66\u800c\u521b\u5efa\u7684\u4e00\u6240\u6309\u7167\u56fd\u9645\u4e00\u6d41\u5546\u5b66\u9662\u6a21\u5f0f\u529e\u5b66\u7684\u91d1\u878d\u5b66\u9662\uff0c\u82f1\u6587\u540d\u79f0\u4e3aShanghai Advanced Institute of Finance (SAIF)\u3002\u5b66\u9662\u4ee5\u6c47\u805a\u56fd\u9645\u4e00\u6d41\u5e08\u8d44\u3001\u57f9\u517b\u9ad8\u7aef\u91d1\u878d\u4eba\u624d\u3001\u6784\u7b51\u5f00\u653e\u7814\u7a76\u5e73\u53f0\u3001\u5f62\u6210\u9876\u7ea7\u653f\u7b56\u667a\u5e93\u4f5c\u4e3a\u81ea\u5df1\u7684\u5fc5\u8fbe\u4f7f\u547d\u3002 \u5173\u4e8e\u5609\u4fe1\u7406\u8d22\u548c\u5609\u4fe1\u7406\u8d22\u4e2d\u56fd \u5609\u4fe1\u7406\u8d22\u96c6\u56e2\uff08\u7ebd\u4ea4\u6240\u4ee3\u7801\uff1aSCHW\uff09\u662f\u4e00\u5bb6\u7f8e\u56fd\u9886\u5148\u7684\u91d1\u878d\u670d\u52a1\u673a\u6784\u3002\u622a\u81f32024\u5e748\u670831\u65e5\uff0c\u5609\u4fe1\u7406\u8d22\u62e5\u6709\u903e350\u5bb6\u5206\u652f\u673a\u6784\uff0c\u6d3b\u8dc3\u4ea4\u6613\u8d26\u62373590\u4e07\u4e2a\uff0c\u8d44\u4ea7\u7ba1\u7406\u89c4\u6a21\u8fbe9.74\u4e07\u4ebf\u7f8e\u5143\u3002\u5609\u4fe1\u7406\u8d22\u81f4\u529b\u4e8e\u4e3a\u4e2a\u4eba\u6295\u8d44\u8005\u548c\u72ec\u7acb\u6295\u8d44\u987e\u95ee\u63d0\u4f9b\u5168\u65b9\u4f4d\u7684\u8d22\u5bcc\u7ba1\u7406\u4ea7\u54c1\u548c\u670d\u52a1\u3002\u5176\u5728\u7f8e\u56fd\u7684\u4e3b\u8425\u4e1a\u52a1\u5305\u62ec\uff1a\u8bc1\u5238\u7ecf\u7eaa\u3001\u94f6\u884c\u4e1a\u52a1\u3001\u8d44\u4ea7\u7ba1\u7406\u3001\u8d26\u6237\u6258\u7ba1\u4ee5\u53ca\u6295\u8d44\u987e\u95ee\u670d\u52a1\u7b49\u3002\u00a0 \u5609\u4fe1\u534e\u7934\uff08\u4e0a\u6d77\uff09\u4f01\u4e1a\u7ba1\u7406\u54a8\u8be2\u6709\u9650\u516c\u53f8\u662f\u5609\u4fe1\u7406\u8d22\u4e8e\u4e0a\u6d77\u6ce8\u518c\u6210\u7acb\u7684\u4e00\u5bb6\u5916\u5546\u72ec\u8d44\u4f01\u4e1a\u548c\u5168\u8d44\u5b50\u516c\u53f8\u3002\u4ee5\u8be5\u516c\u53f8\u4e3a\u5e73\u53f0\uff0c\u5609\u4fe1\u7406\u8d22\u8ba1\u5212\u5728\u4e2d\u56fd\u5e02\u573a\u7740\u529b\u5f00\u5c55\u6295\u8d44\u8005\u6559\u80b2\uff0c\u63d0\u5347\u4e2d\u56fd\u6295\u8d44\u8005\u7684\u91d1\u878d\u7d20\u517b\uff0c\u589e\u5f3a\u5176\u5bf9\u79d1\u5b66\u8d22\u5bcc\u7ba1\u7406\u7684\u53c2\u4e0e\u5ea6\u3002\u00a0 \u9ad8\u91d1\u4e0e\u5609\u4fe1\u7406\u8d22\u4e4b\u95f4\u4e0d\u5b58\u5728\u9644\u5c5e\u5173\u7cfb\u3002\u53cc\u65b9\u6240\u53d1\u8868\u7684\u4efb\u4f55\u89c2\u70b9\u5e76\u4e0d\u4ee3\u8868\u5bf9\u65b9\u7acb\u573a\u3002\u6240\u6709\u8d44\u8baf\u5e76\u4e0d\u6784\u6210\u4efb\u4f55\u63a8\u8350\u3001\u8d2d\u4e70\u6216\u51fa\u552e\u4efb\u4f55\u8bc1\u5238\u7684\u9080\u7ea6\uff0c\u4e5f\u5e76\u975e\u65e8\u5728\u63d0\u4f9b\u4efb\u4f55\u7a0e\u52a1\u3001\u6cd5\u5f8b\u6216\u6295\u8d44\u5efa\u8bae\u3002 \u5a92\u4f53\u5782\u8be2\uff1a \u6797\u96ea | \u5b89\u53ef\u987e\u95eeAPCO\u7535\u8bdd\uff1a+86 185-2651-2314\u90ae\u7bb1\uff1aelin@apcoworldwide.com SOURCE \u5609\u4fe1\u7406\u8d22<\/p>\n","protected":false},"author":0,"featured_media":2804,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[],"class_list":["post-2803","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pr-newswire"],"yoast_head":"\n\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u53d1\u5e03\u7b2c\u516b\u5e74\u5ea6\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b - 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\/\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u53d1\u5e03\u7b2c\u516b\u5e74\u5ea6\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u53d1\u5e03\u7b2c\u516b\u5e74\u5ea6\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b - Money Compass CN\" \/>\n<meta property=\"og:description\" content=\"\u9000\u4f11\u517b\u8001\u7b49\u8d22\u52a1\u9700\u6c42\u65e5\u76ca\u590d\u6742\uff0c\u91d1\u878d\u673a\u6784\u5e94\u52a9\u529b\u5b9e\u73b0\u957f\u671f\u4e3b\u4e49 \u4e0a\u6d772024\u5e7410\u670824\u65e5 \/\u7f8e\u901a\u793e\/ — 10\u670823\u65e5\uff0c\u4e0a\u6d77\u4ea4\u901a\u5927\u5b66\u4e0a\u6d77\u9ad8\u7ea7\u91d1\u878d\u5b66\u9662\uff08\u9ad8\u91d1\uff09\u4e0e\u5168\u7403\u9886\u5148\u7684\u91d1\u878d\u670d\u52a1\u673a\u6784\u5609\u4fe1\u7406\u8d22\uff08Charles Schwab\uff09\u8054\u5408\u53d1\u5e03\u7b2c\u516b\u5e74\u5ea6\u7684\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b\uff08\u300a\u6307\u6570\u300b\uff09\u3002\u65b0\u5bcc\u4eba\u7fa4\u662f\u6307\u5e74\u6536\u5165\u572812.5\u81f3100\u4e07\u5143\u4e4b\u95f4\u3001\u53ef\u6295\u8d44\u8d44\u4ea7\u5728700\u4e07\u5143\u4ee5\u4e0b\u7684\u4eba\u7fa4\u3002\u8be5\u6307\u6570\u65e8\u5728\u52a8\u6001\u8ffd\u8e2a\u8fd9\u4e00\u5bf9\u4e2d\u56fd\u4e43\u81f3\u5168\u7403\u7ecf\u6d4e\u589e\u957f\u5177\u6709\u91cd\u8981\u63a8\u52a8\u529b\u7684\u7fa4\u4f53\u4e0d\u65ad\u53d8\u5316\u7684\u6295\u8d44\u884c\u4e3a\u548c\u8d22\u5bcc\u5065\u5eb7\u3002 2024\u5e74\uff0c\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u7684\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u4ece\u4e0a\u4e00\u5e74\u768470.78\u5206\u5c0f\u5e45\u4e0b\u964d\u81f370.51\u5206\uff0c\u8d22\u5bcc\u4fe1\u5fc3\u3001\u8d22\u52a1\u89c4\u5212\u548c\u8d44\u4ea7\u7ba1\u7406\u7b49\u6b21\u6307\u6570\u5206\u522b\u4e0b\u964d0.46\u5206\u30013.36\u5206\u548c1.22\u5206\uff0c\u4f46\u6295\u8d44\u53c2\u4e0e\u6c34\u5e73\u6709\u4e00\u5b9a\u63d0\u5347\uff0c\u4ece\u4e0a\u4e00\u5e74\u768478.95\u5206\u4e0a\u5347\u81f379.72\u5206\uff0c\u4e3b\u8981\u4f53\u73b0\u5728\u53d7\u8bbf\u8005\u5bf9\u5404\u7c7b\u91d1\u878d\u670d\u52a1\u7684\u4f7f\u7528\u66f4\u8d8b\u4e8e\u591a\u5143\u3001\u5bf9\u6295\u987e\u670d\u52a1\u7684\u8ba4\u77e5\u548c\u6001\u5ea6\u4e5f\u6301\u7eed\u6539\u5584\u3002 \u4e0a\u6d77\u9ad8\u7ea7\u91d1\u878d\u5b66\u9662\u521b\u9662\u7406\u4e8b\u957f\u5c60\u5149\u7ecd\u5728\u53d1\u5e03\u4f1a\u7684\u81f4\u8f9e\u4e2d\u5f3a\u8c03\uff1a”\u8fdb\u5165\u4e86\u9ad8\u8d28\u91cf\u53d1\u5c55\u9636\u6bb5\uff0c\u7ecf\u6d4e\u53d1\u5c55\u7684\u52a8\u80fd\u548c\u7ed3\u6784\u6b63\u7ecf\u5386\u91cd\u8981\u8f6c\u578b\uff0c\u6269\u5927\u5185\u9700\u4fc3\u8fdb\u6d88\u8d39\u5728\u63a8\u52a8\u7ecf\u6d4e\u589e\u957f\u548c\u53d1\u5c55\u4e2d\u7684\u91cd\u8981\u6027\u8fdb\u4e00\u6b65\u663e\u73b0\u3002\u65b0\u5bcc\u4eba\u7fa4\u662f\u62c9\u52a8\u5185\u9700\u548c\u6d88\u8d39\u7684\u4e2d\u575a\u529b\u91cf\uff0c\u6211\u4eec\u5f3a\u8c03\u8981\u6269\u5927\u4e2d\u7b49\u6536\u5165\u7fa4\u4f53\u7684\u89c4\u6a21\uff0c\u65b0\u5bcc\u4eba\u7fa4\u6070\u6070\u5c31\u662f\u4e2d\u7b49\u6536\u5165\u7fa4\u4f53\u4e2d\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\uff0c\u56e0\u6b64\uff0c\u4ed6\u4eec\u7684\u8d22\u5bcc\u7ba1\u7406\u884c\u4e3a\u548c\u8d22\u5bcc\u5065\u5eb7\u6c34\u5e73\u5bf9\u4e8e\u793e\u4f1a\u7ecf\u6d4e\u53d1\u5c55\u5177\u6709\u91cd\u8981\u5f71\u54cd\u3002\u62a5\u544a\u7814\u7a76\u56e2\u961f\u5df2\u7ecf\u8fde\u7eed\u516b\u5e74\u5173\u6ce8\u8fd9\u4e2a\u7fa4\u4f53\uff0c\u7ed3\u5408\u56fd\u9645\u7ecf\u9a8c\u548c\u672c\u571f\u89c6\u89d2\uff0c\u4f53\u73b0\u4e86\u4e25\u8c28\u3001\u6301\u7eed\u7684\u7814\u7a76\u6001\u5ea6\u3002\u800c\u8fd9\u9879\u7814\u7a76\u548c\u300a\u4e2d\u56fd\u5c45\u6c11\u91d1\u878d\u7d20\u517b\u62a5\u544a\u300b\u4e00\u8d77\u5171\u540c\u6784\u6210\u4e86\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u5408\u4f5c\u5206\u6790\u5c45\u6c11\u8d22\u5bcc\u7ba1\u7406\u72b6\u51b5\u7684\u4e24\u4e2a\u91cd\u8981\u652f\u70b9\uff0c\u901a\u8fc7\u4ece\u4e0d\u540c\u89d2\u5ea6\u8ddf\u8e2a\u5206\u6790\u4e2d\u56fd\u5c45\u6c11\u91d1\u878d\u884c\u4e3a\u7684\u53d8\u5316\uff0c\u4e3a\u5404\u65b9\u534f\u540c\u3001\u4e0d\u65ad\u52a9\u529b\u5c45\u6c11\u91d1\u878d\u7d20\u517b\u548c\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6c34\u5e73\u7684\u63d0\u9ad8\u63d0\u4f9b\u652f\u6301\u3002” \u5bb6\u5ead\u503a\u52a1\u5bf9\u8d22\u5bcc\u5065\u5eb7\u5177\u6709\u6df1\u8fdc\u5f71\u54cd\uff0c\u575a\u6301\u8d22\u52a1\u89c4\u5212\u65b9\u80fd\u6709\u5907\u65e0\u60a3\u00a0 \u4eca\u5e74\uff0c\u65b0\u5bcc\u4eba\u7fa4\u5bf9\u5bb6\u5ead\u503a\u52a1\u95ee\u9898\u7684\u5173\u6ce8\u5ea6\u663e\u8457\u4e0a\u5347\uff0c\u5728\u6708\u6536\u51651.5-3\u4e07\u5143\u548c3\u4e07\u5143\u4ee5\u4e0a\u7684\u4e2d\u3001\u9ad8\u6536\u5165\u7fa4\u4f53\u4e2d\u5c24\u5176\u660e\u663e\u3002\u5176\u4e2d\uff0c22.4%\u7684\u9ad8\u6536\u5165\u65b0\u5bcc\u4eba\u7fa4\u5c06\u8d1f\u503a\u4f5c\u4e3a\u8bc4\u4f30\u5f53\u524d\u8d22\u52a1\u72b6\u51b5\u65f6\u7684\u9996\u8981\u5173\u6ce8\u70b9\u4e4b\u4e00\uff0c\u8f83\u53bb\u5e74\u4e0a\u53478.6\u4e2a\u767e\u5206\u70b9\uff0c\u521b\u8c03\u7814\u4ee5\u6765\u7684\u65b0\u9ad8\u3002 \u503a\u52a1\u95ee\u9898\u4e5f\u56e0\u6b64\u5bf9\u65b0\u5bcc\u4eba\u7fa4\u7684\u8d22\u5bcc\u4fe1\u5fc3\u9020\u6210\u4e86\u4e00\u5b9a\u5f71\u54cd\u3002\u5728\u6301\u6709\u503a\u52a1\u7684\u65b0\u5bcc\u4eba\u7fa4\uff0c\u4ec5\u670934.9%\u5bf9\u4e8e\u81ea\u5df1\u5f53\u524d\u7684\u8d22\u52a1\u72b6\u51b5\u975e\u5e38\u6ee1\u610f\uff0c\u4f4e\u4e8e\u65e0\u503a\u52a1\u4eba\u7fa4\u768442.6%\u3002\u9762\u5bf9\u8fd9\u4e9b\u6311\u6218\uff0c\u65b0\u5bcc\u4eba\u7fa4\u5728\u957f\u671f\u8d22\u52a1\u89c4\u5212\u65b9\u9762\u4ecd\u6709\u8f83\u5927\u7684\u8fdb\u6b65\u7a7a\u95f4\u3002 \u62e5\u6709\u8d22\u52a1\u89c4\u5212\u7684\u65b0\u5bcc\u4eba\u7fa4\u6bd4\u4f8b\u5df2\u8fde\u7eed\u4e09\u5e74\u4e0b\u964d\uff0c\u4eca\u5e74\u4ec5\u4e3a58.7%\uff0c\u8f83\u53bb\u5e74\u5927\u5e45\u4e0b\u964d6.1\u4e2a\u767e\u5206\u70b9\u3002\u503a\u52a1\u7ba1\u7406\u65b9\u9762\u7684\u89c4\u5212\u5c24\u5176\u8584\u5f31\u300255.2%\u7684\u53d7\u8bbf\u8005\u8868\u793a\u81ea\u5df1\u6301\u6709\u503a\u52a1\uff0c\u4f46\u53ea\u670919.2%\u8ba4\u4e3a\u8d22\u52a1\u89c4\u5212\u4e2d\u5e94\u5f53\u5305\u542b\u503a\u52a1\uff0c\u8fdc\u4f4e\u4e8e\u5bf9\u98ce\u9669\u8003\u91cf\uff0846.5%\uff09\u3001\u53ef\u6295\u8d44\u8d44\u4ea7\uff0841.2%\uff09\u7b49\u5176\u4ed6\u8d22\u52a1\u89c4\u5212\u8981\u7d20\u7684\u8ba4\u77e5\u5ea6\u3002\u5bf9\u8d22\u52a1\u89c4\u5212\u7684\u7406\u89e3\u4e0d\u8db3\u53ef\u80fd\u662f\u4e3b\u8981\u539f\u56e0\u3002\u8d22\u52a1\u89c4\u5212\u5e94\u5f53\u662f\u4e00\u9879\u9700\u8981\u6839\u636e\u81ea\u8eab\u548c\u5916\u90e8\u73af\u5883\u53d8\u5316\u800c\u4e0d\u65ad\u8c03\u6574\u3001\u66f4\u65b0\u7684\u957f\u671f\u5de5\u4f5c\uff0c\u4f46\u4ecd\u6709\u8d85\u8fc7\u4e09\u6210\u53d7\u8bbf\u8005\u56e0\u4e3a”\u8ba1\u5212\u8d76\u4e0d\u4e0a\u53d8\u5316”\u800c\u4e0d\u505a\u8d22\u52a1\u89c4\u5212\uff0c\u4e3a\u5404\u9879\u539f\u56e0\u4e4b\u9996\u3002 \u00a0 \u77ed\u671f\u6295\u8d44\u548c\u62e9\u65f6\u884c\u4e3a\u8f83\u4e3a\u666e\u904d\uff0c\u91d1\u878d\u7d20\u517b\u63d0\u5347\u8feb\u5728\u7709\u776b \u9762\u5bf9\u5e02\u573a\u6ce2\u52a8\uff0c\u65b0\u5bcc\u4eba\u7fa4\u6108\u53d1\u4e13\u6ce8\u4e8e\u83b7\u53d6\u77ed\u671f\u6536\u76ca\u3002\u9ad8\u8fbe71.5%\u7684\u53d7\u8bbf\u8005\u516c\u52df\u57fa\u91d1\u6301\u4ed3\u65f6\u95f4\u5728\u4e00\u5e74\u4e4b\u5185\uff0c\u670939.5%\u6301\u4ed3\u65f6\u95f4\u4e0d\u8d85\u8fc76\u4e2a\u6708\uff0c\u6240\u6709\u6837\u672c\u7684\u5e73\u5747\u6301\u4ed3\u65f6\u95f4\u4ec5\u4e3a1.14\u5e74\u3002\u5728\u77ed\u671f\u89c6\u89d2\u7684\u9a71\u52a8\u4e0b\uff0c\u65b0\u5bcc\u4eba\u7fa4\u4e5f\u96be\u4ee5\u89c4\u907f”\u8ffd\u6da8\u6740\u8dcc”\u7684\u884c\u4e3a\u2014\u201463.0%\u7684\u53d7\u8bbf\u8005\u8868\u793a\u4f1a\u5728\u83b7\u5f97\u6d6e\u76c8\u540e\u52a0\u4ed3\uff0c43.6%\u4f1a\u5728\u4e8f\u635f\u65f6”\u5272\u8089”\u79bb\u573a\u3002 \u57fa\u91d1\u6301\u4ed3\u65f6\u95f4\u4e0d\u8db3\u4e00\u5e74\u7684\u77ed\u671f\u6295\u8d44\u8005\u5bf9\u81ea\u8eab\u7406\u8d22\u80fd\u529b\u7684\u8ba4\u77e5\u548c\u4ed6\u4eec\u5b9e\u9645\u7684\u91d1\u878d\u7d20\u517b\u4e4b\u95f4\u5b58\u5728\u4e00\u5b9a\u5dee\u8ddd\u3002 \u9ad8\u8fbe70.1%\u7684\u77ed\u671f\u6295\u8d44\u8005\u5bf9\u81ea\u5df1\u7684\u7406\u8d22\u80fd\u529b\u8868\u793a\u6ee1\u610f\uff0c\u8fd9\u4e00\u6570\u636e\u5728\u6301\u4ed3\u65f6\u95f4\u8d85\u8fc7\u4e00\u5e74\u7684\u957f\u671f\u6295\u8d44\u8005\u4e2d\u4ec5\u4e3a58.6%\u3002\u77ed\u671f\u6295\u8d44\u8005\u6700\u6ee1\u610f\u81ea\u5df1\u7684\u5e02\u573a\u5206\u6790\u80fd\u529b\uff0c\u800c\u957f\u671f\u6295\u8d44\u8005\u6700\u6ee1\u610f\u7684\u5219\u662f\u81ea\u5df1\u7684\u98ce\u9669\u7ba1\u7406\u80fd\u529b\u3002\u7136\u800c\uff0c\u77ed\u671f\u6295\u8d44\u8005”\u91d1\u878d\u7d20\u517b\u4e09\u95ee”\u5168\u5bf9\u7684\u6bd4\u4f8b\u4ec5\u4e3a15.5%\uff0c\u663e\u8457\u4f4e\u4e8e\u957f\u671f\u6295\u8d44\u8005\u768443.1%\uff0c\u8868\u660e\u6295\u8d44\u8005\u4ecd\u9700\u7740\u529b\u901a\u8fc7\u63d0\u5347\u91d1\u878d\u7d20\u517b\uff0c\u4ee5\u8df5\u884c\u66f4\u7406\u6027\u7684\u6295\u8d44\u884c\u4e3a\u3002 “\u957f\u671f\u8d22\u52a1\u76ee\u6807\u7684\u5b9e\u73b0\u6709\u8d56\u4e8e\u6295\u8d44\u8005\u575a\u6301\u957f\u671f\u4e3b\u4e49\u3001\u7a7f\u8d8a\u7ecf\u6d4e\u5468\u671f\uff0c\u800c\u5728\u5e02\u573a\u6ce2\u52a8\u671f\u6020\u4e8e\u89c4\u5212\u3001\u8ffd\u9010\u77ed\u671f\u6536\u76ca\u5219\u53ef\u80fd\u4f1a\u5728\u672a\u6765\u9020\u6210\u8d22\u52a1\u5b89\u5168\u9690\u60a3\u3002\u5373\u4f7f\u5728\u6ce2\u52a8\u6027\u52a0\u5267\u7684\u60c5\u51b5\u4e0b\uff0c\u5206\u6563\u914d\u7f6e\u8d44\u4ea7\u4e5f\u80fd\u5e26\u6765\u76f8\u5bf9\u7a33\u5065\u7684\u6536\u76ca\uff0c\u5e2e\u52a9\u6295\u8d44\u8005\u66f4\u5e73\u7a33\u5730\u5ea6\u8fc7\u77ed\u671f\u9707\u8361\u3002\u56e0\u6b64\uff0c\u63d0\u5347\u6709\u5173\u957f\u671f\u6295\u8d44\u3001\u591a\u5143\u914d\u7f6e\u7684\u91d1\u878d\u7d20\u517b\u52bf\u5728\u5fc5\u884c\u3002”\u9ad8\u91d1\u6559\u6388\u5434\u98de\u5728\u89e3\u8bfb\u62a5\u544a\u53d1\u73b0\u65f6\u8c08\u5230\uff0c”\u5404\u7c7b\u91d1\u878d\u670d\u52a1\u548c\u6559\u80b2\u673a\u6784\u5e94\u5c31\u65b0\u5bcc\u4eba\u7fa4\u5728\u8d22\u5bcc\u7ba1\u7406\u4e2d\u9762\u4e34\u7684\u96be\u70b9\u75db\u70b9\uff0c\u5f00\u5c55\u5177\u6709\u9488\u5bf9\u6027\u7684\u91d1\u878d\u6559\u80b2\uff0c\u966a\u4f34\u65b0\u5bcc\u5bb6\u5ead\u4e0d\u65ad\u8d70\u5411\u8d22\u5bcc\u5065\u5eb7\u3002” \u517b\u8001\u610f\u8bc6\u63d0\u5347\u4f46\u5b9e\u9645\u884c\u52a8\u4e0d\u8db3\uff0c\u4e13\u4e1a\u6295\u987e\u670d\u52a1\u53ef\u52a9\u529b\u5b9e\u73b0\u957f\u671f\u76ee\u6807 \u4eca\u5e74\uff0c\u65b0\u5bcc\u4eba\u7fa4\u5728\u517b\u8001\u89c4\u5212\u65b9\u9762\u8868\u73b0\u66f4\u4e3a\u79ef\u6781\uff0c\u62e5\u6709\u517b\u8001\u89c4\u5212\u7684\u53d7\u8bbf\u8005\u6bd4\u4f8b\u8f83\u53bb\u5e74\u4e0a\u6da8\u4e866.4\u4e2a\u767e\u5206\u70b9\uff0c\u8fbe\u523047.4%\u300245\u5c81\u53ca\u4ee5\u4e0a\u4eba\u7fa4\u8fdb\u884c\u517b\u8001\u89c4\u5212\u7684\u6bd4\u4f8b\u6700\u9ad8\uff0c\u4e3a58.3%\u3002 \u8c03\u7814\u663e\u793a\uff0c\u62e5\u6709\u517b\u8001\u89c4\u5212\u7684\u4eba\u7fa4\u5bf9\u672a\u6765\u7684\u8bbe\u60f3\u66f4\u52a0\u6e05\u6670\uff0c\u517b\u8001\u51c6\u5907\u7684\u6267\u884c\u529b\u66f4\u5f3a\uff0c\u8fd9\u6709\u52a9\u4e8e\u63d0\u5347\u957f\u671f\u8d22\u5bcc\u4fe1\u5fc3\u548c\u6ee1\u610f\u5ea6\u3002 \u6709\u517b\u8001\u89c4\u5212\u7684\u4eba\u7fa4\u4e2d\u670987.6%\u4f1a\u4e3a\u81ea\u5df1\u7684\u5404\u9879\u8d22\u52a1\u76ee\u6807\u5206\u522b\u51c6\u5907\u6240\u9700\u8d44\u91d1\uff08\u4f8b\u5982\u5f00\u8bbe\u72ec\u7acb\u8d26\u6237\uff09\uff0c\u800c\u8fd9\u4e00\u6bd4\u4f8b\u5728\u6ca1\u6709\u517b\u8001\u89c4\u5212\u7684\u4eba\u7fa4\u4e2d\u4ec5\u4e3a27.9%\u3002\u62e5\u6709\u517b\u8001\u89c4\u5212\u7684\u4eba\u7fa4\u5728\u603b\u4f53\u8d22\u5bcc\u5065\u5eb7\u548c\u56db\u9879\u6b21\u6307\u6570\u4e2d\u7684\u8868\u73b0\u90fd\u66f4\u4e3a\u51fa\u8272\u3002\u540c\u65f6\uff0c\u524d\u8005\u9884\u8ba1\u81ea\u5df1\u9000\u4f11\u540e\u6240\u9700\u7684\u6bcf\u6708\u652f\u51fa\u4e3a\u5e73\u574717844\u5143\uff0c\u9ad8\u4e8e\u540e\u8005\u768411809\u5143\u3002 \u4f46\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u65b0\u5bcc\u4eba\u7fa4\u5bf9\u4e8e\u517b\u8001\u8d22\u52a1\u76ee\u6807\u7684\u8ba4\u8bc6\u4ecd\u6709\u5f85\u63d0\u5347\u548c\u7ec6\u5316\uff0c\u5426\u5219\u53ef\u80fd\u4f1a\u5728\u957f\u671f\u9020\u6210\u8d22\u52a1\u51c6\u5907\u4e0d\u8db3\u7684\u9690\u60a3\u3002\u5728\u5386\u5e74\u7684\u8c03\u7814\u4e2d\uff0c\u53d7\u8bbf\u8005\u4e3a\u81ea\u5df1\u8bbe\u5b9a\u7684\u5b9e\u73b0\u517b\u8001\u76ee\u6807\u6240\u9700\u65f6\u95f4\u5df2\u8fde\u7eed\u4e94\u5e74\u7f29\u77ed\uff0c\u4eca\u5e74\u5e73\u5747\u4e3a8.99\u5e74\uff0c\u8fdc\u4f4e\u4e8e\u884c\u4e1a\u666e\u904d\u8ba4\u77e5\u3002\u8fd9\u4e00\u8d8b\u52bf\u5728\u8ddd\u79bb\u9000\u4f11\u5e74\u9650\u6700\u957f\u768418-24\u5c81\u4eba\u7fa4\u4e2d\u6700\u4e3a\u660e\u663e\uff0c\u4ece\u53bb\u5e74\u768412.77\u5e74\u9510\u51cf\u5230\u4eca\u5e74\u76847.98\u5e74\u3002\u5728\u4e0e\u517b\u8001\u89c4\u5212\u76f8\u5173\u7684\u5404\u9879\u6295\u987e\u670d\u52a1\u4e2d\uff0c\u65b0\u5bcc\u4eba\u7fa4\u9700\u6c42\u6700\u9ad8\u7684\u670d\u52a1\u5185\u5bb9\u4e5f\u662f”\u5e2e\u52a9\u81ea\u5df1\u8bc4\u4f30\u9000\u4f11\u540e\u6240\u9700\u7684\u517b\u8001\u8d44\u91d1”\uff0c\u5f70\u663e\u4e86\u65b0\u5bcc\u4eba\u7fa4\u5728\u7406\u89e3\u517b\u8001\u6240\u9700\u7684\u8d22\u52a1\u51c6\u5907\u3001\u6811\u7acb\u7b26\u5408\u73b0\u5b9e\u60c5\u51b5\u7684\u8ba4\u77e5\u65b9\u9762\u9700\u8981\u4e13\u4e1a\u6307\u5bfc\u548c\u5e2e\u52a9\u3002 \u5609\u4fe1\u7406\u8d22\uff08\u4e0a\u6d77\uff09\u603b\u7ecf\u7406Thomas Pixley\u5728\u73b0\u573a\u8868\u793a\uff1a”\u4eca\u5e74\u7684\u300a\u6307\u6570\u300b\u53d1\u73b0\u518d\u5ea6\u51f8\u663e\u4e86\u957f\u671f\u8d22\u52a1\u89c4\u5212\u548c\u5168\u65b9\u4f4d\u8d22\u5bcc\u7ba1\u7406\u5bf9\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u7684\u91cd\u8981\u610f\u4e49\uff0c\u4e5f\u4e3a\u91d1\u878d\u884c\u4e1a\u7684\u53d1\u5c55\u6307\u660e\u4e86\u65b9\u5411\u3002\u91d1\u878d\u670d\u52a1\u673a\u6784\u5e94\u5f53\u4ece\u6295\u8d44\u8005\u7684\u4eba\u751f\u76ee\u6807\u548c\u5bb6\u5ead\u9700\u6c42\u51fa\u53d1\uff0c\u5728\u4ece\u8d44\u4ea7\u5230\u8d1f\u503a\u7aef\u7684\u65b9\u65b9\u9762\u9762\u4e3a\u65b0\u5bcc\u4eba\u7fa4\u63d0\u4f9b\u9488\u5bf9\u6027\u7684\u5efa\u8bae\uff0c\u5f15\u5bfc\u4ed6\u4eec\u901a\u8fc7\u4e13\u6ce8\u5b9e\u73b0\u957f\u671f\u76ee\u6807\u6765\u5e73\u7a33\u5ea6\u8fc7\u4e0d\u53ef\u907f\u514d\u7684\u5e02\u573a\u6ce2\u52a8\uff0c\u628a\u63e1\u8d22\u5bcc\u4eba\u751f\u7684\u4e3b\u52a8\u6743\u3002” ### \u5173\u4e8e\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b \u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b\u662f\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u4e8e2017\u5e74\u5171\u540c\u53d1\u8d77\u7684\u4e00\u9879\u5408\u4f5c\u3002\u8c03\u7814\u7684\u95ee\u5377\u8bbe\u8ba1\u3001\u6570\u636e\u641c\u96c6\u548c\u6307\u6570\u62a5\u544a\u5236\u4f5c\u5747\u7531\u5168\u7403\u9886\u5148\u7684\u6d88\u8d39\u8005\u7814\u7a76\u4e0e\u96f6\u552e\u76d1\u6d4b\u516c\u53f8\u5c3c\u5c14\u68eeIQ\u6267\u884c\u3002\u8fd9\u9879\u6307\u6570\u65e8\u5728\u52a8\u6001\u8ffd\u8e2a\u65b0\u5bcc\u4eba\u7fa4\u8fd9\u4e00\u63a8\u52a8\u4e2d\u56fd\u4e43\u81f3\u5168\u7403\u7ecf\u6d4e\u53d1\u5c55\u7684\u7fa4\u4f53\u5bf9\u4e8e\u81ea\u8eab\u8d22\u5bcc\u5065\u5eb7\u7684\u8ba4\u77e5\u548c\u53d8\u5316\u3002\u5728\u6b64\u57fa\u7840\u4e0a\uff0c2024\u5e74\u7684\u300a\u6307\u6570\u300b\u81f4\u529b\u4e8e\u5e2e\u52a9\u91d1\u878d\u4e13\u4e1a\u4eba\u58eb\u548c\u653f\u7b56\u5236\u5b9a\u8005\u6df1\u5165\u4e86\u89e3\u548c\u63a2\u7a76\u4e2d\u56fd\u65b0\u5bcc\u7fa4\u4f53\u6295\u8d44\u884c\u4e3a\u80cc\u540e\u7684\u9a71\u52a8\u56e0\u7d20\uff0c\u4ece\u800c\u66f4\u597d\u5730\u670d\u52a1\u4e8e\u8fd9\u4e00\u5bf9\u4e2d\u56fd\u548c\u5168\u7403\u7ecf\u6d4e\u53d1\u5c55\u6781\u5176\u91cd\u8981\u7684\u7fa4\u4f53\u3002 \u672c\u6b21\u8c03\u7814\u5171\u8bbf\u95ee\u4e864592\u540d\u5e74\u6536\u5165\u572812.5\u81f3100\u4e07\u5143\u4e4b\u95f4\u3001\u53ef\u6295\u8d44\u8d44\u4ea7\u5728700\u4e07\u5143\u4ee5\u4e0b\u7684\u65b0\u5bcc\u4eba\u7fa4\uff0c\u8986\u76d6\u4e2d\u56fd\u4e0a\u6d77\u3001\u5317\u4eac\u3001\u5e7f\u5dde\u3001\u6df1\u5733\u3001\u6210\u90fd\u3001\u676d\u5dde\u3001\u5927\u8fde\u3001\u53a6\u95e8\u3001\u91cd\u5e86\u3001\u6b66\u6c49\u3001\u5357\u901a\u3001\u77f3\u5bb6\u5e84\u3001\u4e2d\u5c71\u3001\u6606\u660e\u53ca\u8944\u9633\u7b49\u5341\u4e94\u5ea7\u57ce\u5e02\u3002 \u5173\u4e8e\u4e0a\u6d77\u9ad8\u7ea7\u91d1\u878d\u5b66\u9662\u00a0 \u4e0a\u6d77\u4ea4\u901a\u5927\u5b66\u4e0a\u6d77\u9ad8\u7ea7\u91d1\u878d\u5b66\u9662\u662f\u4e0a\u6d77\u5e02\u4eba\u6c11\u653f\u5e9c\u4e3a\u5b9e\u73b0\u5c06\u4e0a\u6d77\u5efa\u8bbe\u6210\u4e3a\u56fd\u9645\u91d1\u878d\u4e2d\u5fc3\u7684\u56fd\u5bb6\u6218\u7565\u3001\u6ee1\u8db3\u4e0a\u6d77\u4e43\u81f3\u5168\u56fd\u91d1\u878d\u4e1a\u53d1\u5c55\u5e76\u4e0e\u56fd\u9645\u63a5\u8f68\u7684\u8feb\u5207\u9700\u8981\uff0c\u4f9d\u6258\u4e0a\u6d77\u4ea4\u901a\u5927\u5b66\u800c\u521b\u5efa\u7684\u4e00\u6240\u6309\u7167\u56fd\u9645\u4e00\u6d41\u5546\u5b66\u9662\u6a21\u5f0f\u529e\u5b66\u7684\u91d1\u878d\u5b66\u9662\uff0c\u82f1\u6587\u540d\u79f0\u4e3aShanghai Advanced Institute of Finance (SAIF)\u3002\u5b66\u9662\u4ee5\u6c47\u805a\u56fd\u9645\u4e00\u6d41\u5e08\u8d44\u3001\u57f9\u517b\u9ad8\u7aef\u91d1\u878d\u4eba\u624d\u3001\u6784\u7b51\u5f00\u653e\u7814\u7a76\u5e73\u53f0\u3001\u5f62\u6210\u9876\u7ea7\u653f\u7b56\u667a\u5e93\u4f5c\u4e3a\u81ea\u5df1\u7684\u5fc5\u8fbe\u4f7f\u547d\u3002 \u5173\u4e8e\u5609\u4fe1\u7406\u8d22\u548c\u5609\u4fe1\u7406\u8d22\u4e2d\u56fd \u5609\u4fe1\u7406\u8d22\u96c6\u56e2\uff08\u7ebd\u4ea4\u6240\u4ee3\u7801\uff1aSCHW\uff09\u662f\u4e00\u5bb6\u7f8e\u56fd\u9886\u5148\u7684\u91d1\u878d\u670d\u52a1\u673a\u6784\u3002\u622a\u81f32024\u5e748\u670831\u65e5\uff0c\u5609\u4fe1\u7406\u8d22\u62e5\u6709\u903e350\u5bb6\u5206\u652f\u673a\u6784\uff0c\u6d3b\u8dc3\u4ea4\u6613\u8d26\u62373590\u4e07\u4e2a\uff0c\u8d44\u4ea7\u7ba1\u7406\u89c4\u6a21\u8fbe9.74\u4e07\u4ebf\u7f8e\u5143\u3002\u5609\u4fe1\u7406\u8d22\u81f4\u529b\u4e8e\u4e3a\u4e2a\u4eba\u6295\u8d44\u8005\u548c\u72ec\u7acb\u6295\u8d44\u987e\u95ee\u63d0\u4f9b\u5168\u65b9\u4f4d\u7684\u8d22\u5bcc\u7ba1\u7406\u4ea7\u54c1\u548c\u670d\u52a1\u3002\u5176\u5728\u7f8e\u56fd\u7684\u4e3b\u8425\u4e1a\u52a1\u5305\u62ec\uff1a\u8bc1\u5238\u7ecf\u7eaa\u3001\u94f6\u884c\u4e1a\u52a1\u3001\u8d44\u4ea7\u7ba1\u7406\u3001\u8d26\u6237\u6258\u7ba1\u4ee5\u53ca\u6295\u8d44\u987e\u95ee\u670d\u52a1\u7b49\u3002\u00a0 \u5609\u4fe1\u534e\u7934\uff08\u4e0a\u6d77\uff09\u4f01\u4e1a\u7ba1\u7406\u54a8\u8be2\u6709\u9650\u516c\u53f8\u662f\u5609\u4fe1\u7406\u8d22\u4e8e\u4e0a\u6d77\u6ce8\u518c\u6210\u7acb\u7684\u4e00\u5bb6\u5916\u5546\u72ec\u8d44\u4f01\u4e1a\u548c\u5168\u8d44\u5b50\u516c\u53f8\u3002\u4ee5\u8be5\u516c\u53f8\u4e3a\u5e73\u53f0\uff0c\u5609\u4fe1\u7406\u8d22\u8ba1\u5212\u5728\u4e2d\u56fd\u5e02\u573a\u7740\u529b\u5f00\u5c55\u6295\u8d44\u8005\u6559\u80b2\uff0c\u63d0\u5347\u4e2d\u56fd\u6295\u8d44\u8005\u7684\u91d1\u878d\u7d20\u517b\uff0c\u589e\u5f3a\u5176\u5bf9\u79d1\u5b66\u8d22\u5bcc\u7ba1\u7406\u7684\u53c2\u4e0e\u5ea6\u3002\u00a0 \u9ad8\u91d1\u4e0e\u5609\u4fe1\u7406\u8d22\u4e4b\u95f4\u4e0d\u5b58\u5728\u9644\u5c5e\u5173\u7cfb\u3002\u53cc\u65b9\u6240\u53d1\u8868\u7684\u4efb\u4f55\u89c2\u70b9\u5e76\u4e0d\u4ee3\u8868\u5bf9\u65b9\u7acb\u573a\u3002\u6240\u6709\u8d44\u8baf\u5e76\u4e0d\u6784\u6210\u4efb\u4f55\u63a8\u8350\u3001\u8d2d\u4e70\u6216\u51fa\u552e\u4efb\u4f55\u8bc1\u5238\u7684\u9080\u7ea6\uff0c\u4e5f\u5e76\u975e\u65e8\u5728\u63d0\u4f9b\u4efb\u4f55\u7a0e\u52a1\u3001\u6cd5\u5f8b\u6216\u6295\u8d44\u5efa\u8bae\u3002 \u5a92\u4f53\u5782\u8be2\uff1a \u6797\u96ea | \u5b89\u53ef\u987e\u95eeAPCO\u7535\u8bdd\uff1a+86 185-2651-2314\u90ae\u7bb1\uff1aelin@apcoworldwide.com SOURCE \u5609\u4fe1\u7406\u8d22\" \/>\n<meta property=\"og:url\" content=\"https:\/\/moneycompass.com.my\/cn\/\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u53d1\u5e03\u7b2c\u516b\u5e74\u5ea6\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\/\" \/>\n<meta property=\"og:site_name\" content=\"Money Compass CN\" \/>\n<meta property=\"article:published_time\" content=\"2024-10-24T07:13:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2024\/10\/2024________________CN-BWZtjz.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"144\" \/>\n\t<meta property=\"og:image:height\" content=\"103\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\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\/%e9%ab%98%e9%87%91%e5%92%8c%e5%98%89%e4%bf%a1%e7%90%86%e8%b4%a2%e5%8f%91%e5%b8%83%e7%ac%ac%e5%85%ab%e5%b9%b4%e5%ba%a6%e3%80%8a%e4%b8%ad%e5%9b%bd%e6%96%b0%e5%af%8c%e4%ba%ba%e7%be%a4%e8%b4%a2%e5%af%8c\/\",\"url\":\"https:\/\/moneycompass.com.my\/cn\/%e9%ab%98%e9%87%91%e5%92%8c%e5%98%89%e4%bf%a1%e7%90%86%e8%b4%a2%e5%8f%91%e5%b8%83%e7%ac%ac%e5%85%ab%e5%b9%b4%e5%ba%a6%e3%80%8a%e4%b8%ad%e5%9b%bd%e6%96%b0%e5%af%8c%e4%ba%ba%e7%be%a4%e8%b4%a2%e5%af%8c\/\",\"name\":\"\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u53d1\u5e03\u7b2c\u516b\u5e74\u5ea6\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b - Money Compass CN\",\"isPartOf\":{\"@id\":\"https:\/\/moneycompass.com.my\/cn\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e9%ab%98%e9%87%91%e5%92%8c%e5%98%89%e4%bf%a1%e7%90%86%e8%b4%a2%e5%8f%91%e5%b8%83%e7%ac%ac%e5%85%ab%e5%b9%b4%e5%ba%a6%e3%80%8a%e4%b8%ad%e5%9b%bd%e6%96%b0%e5%af%8c%e4%ba%ba%e7%be%a4%e8%b4%a2%e5%af%8c\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e9%ab%98%e9%87%91%e5%92%8c%e5%98%89%e4%bf%a1%e7%90%86%e8%b4%a2%e5%8f%91%e5%b8%83%e7%ac%ac%e5%85%ab%e5%b9%b4%e5%ba%a6%e3%80%8a%e4%b8%ad%e5%9b%bd%e6%96%b0%e5%af%8c%e4%ba%ba%e7%be%a4%e8%b4%a2%e5%af%8c\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2024\/10\/2024________________CN-BWZtjz.jpeg\",\"datePublished\":\"2024-10-24T07:13:00+00:00\",\"dateModified\":\"2024-10-24T07:13:00+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e9%ab%98%e9%87%91%e5%92%8c%e5%98%89%e4%bf%a1%e7%90%86%e8%b4%a2%e5%8f%91%e5%b8%83%e7%ac%ac%e5%85%ab%e5%b9%b4%e5%ba%a6%e3%80%8a%e4%b8%ad%e5%9b%bd%e6%96%b0%e5%af%8c%e4%ba%ba%e7%be%a4%e8%b4%a2%e5%af%8c\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/moneycompass.com.my\/cn\/%e9%ab%98%e9%87%91%e5%92%8c%e5%98%89%e4%bf%a1%e7%90%86%e8%b4%a2%e5%8f%91%e5%b8%83%e7%ac%ac%e5%85%ab%e5%b9%b4%e5%ba%a6%e3%80%8a%e4%b8%ad%e5%9b%bd%e6%96%b0%e5%af%8c%e4%ba%ba%e7%be%a4%e8%b4%a2%e5%af%8c\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e9%ab%98%e9%87%91%e5%92%8c%e5%98%89%e4%bf%a1%e7%90%86%e8%b4%a2%e5%8f%91%e5%b8%83%e7%ac%ac%e5%85%ab%e5%b9%b4%e5%ba%a6%e3%80%8a%e4%b8%ad%e5%9b%bd%e6%96%b0%e5%af%8c%e4%ba%ba%e7%be%a4%e8%b4%a2%e5%af%8c\/#primaryimage\",\"url\":\"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2024\/10\/2024________________CN-BWZtjz.jpeg\",\"contentUrl\":\"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2024\/10\/2024________________CN-BWZtjz.jpeg\",\"width\":144,\"height\":103},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e9%ab%98%e9%87%91%e5%92%8c%e5%98%89%e4%bf%a1%e7%90%86%e8%b4%a2%e5%8f%91%e5%b8%83%e7%ac%ac%e5%85%ab%e5%b9%b4%e5%ba%a6%e3%80%8a%e4%b8%ad%e5%9b%bd%e6%96%b0%e5%af%8c%e4%ba%ba%e7%be%a4%e8%b4%a2%e5%af%8c\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/moneycompass.com.my\/cn\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u53d1\u5e03\u7b2c\u516b\u5e74\u5ea6\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b\"}]},{\"@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":"\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u53d1\u5e03\u7b2c\u516b\u5e74\u5ea6\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b - 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\/\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u53d1\u5e03\u7b2c\u516b\u5e74\u5ea6\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\/","og_locale":"en_US","og_type":"article","og_title":"\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u53d1\u5e03\u7b2c\u516b\u5e74\u5ea6\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b - Money Compass CN","og_description":"\u9000\u4f11\u517b\u8001\u7b49\u8d22\u52a1\u9700\u6c42\u65e5\u76ca\u590d\u6742\uff0c\u91d1\u878d\u673a\u6784\u5e94\u52a9\u529b\u5b9e\u73b0\u957f\u671f\u4e3b\u4e49 \u4e0a\u6d772024\u5e7410\u670824\u65e5 \/\u7f8e\u901a\u793e\/ — 10\u670823\u65e5\uff0c\u4e0a\u6d77\u4ea4\u901a\u5927\u5b66\u4e0a\u6d77\u9ad8\u7ea7\u91d1\u878d\u5b66\u9662\uff08\u9ad8\u91d1\uff09\u4e0e\u5168\u7403\u9886\u5148\u7684\u91d1\u878d\u670d\u52a1\u673a\u6784\u5609\u4fe1\u7406\u8d22\uff08Charles Schwab\uff09\u8054\u5408\u53d1\u5e03\u7b2c\u516b\u5e74\u5ea6\u7684\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b\uff08\u300a\u6307\u6570\u300b\uff09\u3002\u65b0\u5bcc\u4eba\u7fa4\u662f\u6307\u5e74\u6536\u5165\u572812.5\u81f3100\u4e07\u5143\u4e4b\u95f4\u3001\u53ef\u6295\u8d44\u8d44\u4ea7\u5728700\u4e07\u5143\u4ee5\u4e0b\u7684\u4eba\u7fa4\u3002\u8be5\u6307\u6570\u65e8\u5728\u52a8\u6001\u8ffd\u8e2a\u8fd9\u4e00\u5bf9\u4e2d\u56fd\u4e43\u81f3\u5168\u7403\u7ecf\u6d4e\u589e\u957f\u5177\u6709\u91cd\u8981\u63a8\u52a8\u529b\u7684\u7fa4\u4f53\u4e0d\u65ad\u53d8\u5316\u7684\u6295\u8d44\u884c\u4e3a\u548c\u8d22\u5bcc\u5065\u5eb7\u3002 2024\u5e74\uff0c\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u7684\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u4ece\u4e0a\u4e00\u5e74\u768470.78\u5206\u5c0f\u5e45\u4e0b\u964d\u81f370.51\u5206\uff0c\u8d22\u5bcc\u4fe1\u5fc3\u3001\u8d22\u52a1\u89c4\u5212\u548c\u8d44\u4ea7\u7ba1\u7406\u7b49\u6b21\u6307\u6570\u5206\u522b\u4e0b\u964d0.46\u5206\u30013.36\u5206\u548c1.22\u5206\uff0c\u4f46\u6295\u8d44\u53c2\u4e0e\u6c34\u5e73\u6709\u4e00\u5b9a\u63d0\u5347\uff0c\u4ece\u4e0a\u4e00\u5e74\u768478.95\u5206\u4e0a\u5347\u81f379.72\u5206\uff0c\u4e3b\u8981\u4f53\u73b0\u5728\u53d7\u8bbf\u8005\u5bf9\u5404\u7c7b\u91d1\u878d\u670d\u52a1\u7684\u4f7f\u7528\u66f4\u8d8b\u4e8e\u591a\u5143\u3001\u5bf9\u6295\u987e\u670d\u52a1\u7684\u8ba4\u77e5\u548c\u6001\u5ea6\u4e5f\u6301\u7eed\u6539\u5584\u3002 \u4e0a\u6d77\u9ad8\u7ea7\u91d1\u878d\u5b66\u9662\u521b\u9662\u7406\u4e8b\u957f\u5c60\u5149\u7ecd\u5728\u53d1\u5e03\u4f1a\u7684\u81f4\u8f9e\u4e2d\u5f3a\u8c03\uff1a”\u8fdb\u5165\u4e86\u9ad8\u8d28\u91cf\u53d1\u5c55\u9636\u6bb5\uff0c\u7ecf\u6d4e\u53d1\u5c55\u7684\u52a8\u80fd\u548c\u7ed3\u6784\u6b63\u7ecf\u5386\u91cd\u8981\u8f6c\u578b\uff0c\u6269\u5927\u5185\u9700\u4fc3\u8fdb\u6d88\u8d39\u5728\u63a8\u52a8\u7ecf\u6d4e\u589e\u957f\u548c\u53d1\u5c55\u4e2d\u7684\u91cd\u8981\u6027\u8fdb\u4e00\u6b65\u663e\u73b0\u3002\u65b0\u5bcc\u4eba\u7fa4\u662f\u62c9\u52a8\u5185\u9700\u548c\u6d88\u8d39\u7684\u4e2d\u575a\u529b\u91cf\uff0c\u6211\u4eec\u5f3a\u8c03\u8981\u6269\u5927\u4e2d\u7b49\u6536\u5165\u7fa4\u4f53\u7684\u89c4\u6a21\uff0c\u65b0\u5bcc\u4eba\u7fa4\u6070\u6070\u5c31\u662f\u4e2d\u7b49\u6536\u5165\u7fa4\u4f53\u4e2d\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\uff0c\u56e0\u6b64\uff0c\u4ed6\u4eec\u7684\u8d22\u5bcc\u7ba1\u7406\u884c\u4e3a\u548c\u8d22\u5bcc\u5065\u5eb7\u6c34\u5e73\u5bf9\u4e8e\u793e\u4f1a\u7ecf\u6d4e\u53d1\u5c55\u5177\u6709\u91cd\u8981\u5f71\u54cd\u3002\u62a5\u544a\u7814\u7a76\u56e2\u961f\u5df2\u7ecf\u8fde\u7eed\u516b\u5e74\u5173\u6ce8\u8fd9\u4e2a\u7fa4\u4f53\uff0c\u7ed3\u5408\u56fd\u9645\u7ecf\u9a8c\u548c\u672c\u571f\u89c6\u89d2\uff0c\u4f53\u73b0\u4e86\u4e25\u8c28\u3001\u6301\u7eed\u7684\u7814\u7a76\u6001\u5ea6\u3002\u800c\u8fd9\u9879\u7814\u7a76\u548c\u300a\u4e2d\u56fd\u5c45\u6c11\u91d1\u878d\u7d20\u517b\u62a5\u544a\u300b\u4e00\u8d77\u5171\u540c\u6784\u6210\u4e86\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u5408\u4f5c\u5206\u6790\u5c45\u6c11\u8d22\u5bcc\u7ba1\u7406\u72b6\u51b5\u7684\u4e24\u4e2a\u91cd\u8981\u652f\u70b9\uff0c\u901a\u8fc7\u4ece\u4e0d\u540c\u89d2\u5ea6\u8ddf\u8e2a\u5206\u6790\u4e2d\u56fd\u5c45\u6c11\u91d1\u878d\u884c\u4e3a\u7684\u53d8\u5316\uff0c\u4e3a\u5404\u65b9\u534f\u540c\u3001\u4e0d\u65ad\u52a9\u529b\u5c45\u6c11\u91d1\u878d\u7d20\u517b\u548c\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6c34\u5e73\u7684\u63d0\u9ad8\u63d0\u4f9b\u652f\u6301\u3002” \u5bb6\u5ead\u503a\u52a1\u5bf9\u8d22\u5bcc\u5065\u5eb7\u5177\u6709\u6df1\u8fdc\u5f71\u54cd\uff0c\u575a\u6301\u8d22\u52a1\u89c4\u5212\u65b9\u80fd\u6709\u5907\u65e0\u60a3\u00a0 \u4eca\u5e74\uff0c\u65b0\u5bcc\u4eba\u7fa4\u5bf9\u5bb6\u5ead\u503a\u52a1\u95ee\u9898\u7684\u5173\u6ce8\u5ea6\u663e\u8457\u4e0a\u5347\uff0c\u5728\u6708\u6536\u51651.5-3\u4e07\u5143\u548c3\u4e07\u5143\u4ee5\u4e0a\u7684\u4e2d\u3001\u9ad8\u6536\u5165\u7fa4\u4f53\u4e2d\u5c24\u5176\u660e\u663e\u3002\u5176\u4e2d\uff0c22.4%\u7684\u9ad8\u6536\u5165\u65b0\u5bcc\u4eba\u7fa4\u5c06\u8d1f\u503a\u4f5c\u4e3a\u8bc4\u4f30\u5f53\u524d\u8d22\u52a1\u72b6\u51b5\u65f6\u7684\u9996\u8981\u5173\u6ce8\u70b9\u4e4b\u4e00\uff0c\u8f83\u53bb\u5e74\u4e0a\u53478.6\u4e2a\u767e\u5206\u70b9\uff0c\u521b\u8c03\u7814\u4ee5\u6765\u7684\u65b0\u9ad8\u3002 \u503a\u52a1\u95ee\u9898\u4e5f\u56e0\u6b64\u5bf9\u65b0\u5bcc\u4eba\u7fa4\u7684\u8d22\u5bcc\u4fe1\u5fc3\u9020\u6210\u4e86\u4e00\u5b9a\u5f71\u54cd\u3002\u5728\u6301\u6709\u503a\u52a1\u7684\u65b0\u5bcc\u4eba\u7fa4\uff0c\u4ec5\u670934.9%\u5bf9\u4e8e\u81ea\u5df1\u5f53\u524d\u7684\u8d22\u52a1\u72b6\u51b5\u975e\u5e38\u6ee1\u610f\uff0c\u4f4e\u4e8e\u65e0\u503a\u52a1\u4eba\u7fa4\u768442.6%\u3002\u9762\u5bf9\u8fd9\u4e9b\u6311\u6218\uff0c\u65b0\u5bcc\u4eba\u7fa4\u5728\u957f\u671f\u8d22\u52a1\u89c4\u5212\u65b9\u9762\u4ecd\u6709\u8f83\u5927\u7684\u8fdb\u6b65\u7a7a\u95f4\u3002 \u62e5\u6709\u8d22\u52a1\u89c4\u5212\u7684\u65b0\u5bcc\u4eba\u7fa4\u6bd4\u4f8b\u5df2\u8fde\u7eed\u4e09\u5e74\u4e0b\u964d\uff0c\u4eca\u5e74\u4ec5\u4e3a58.7%\uff0c\u8f83\u53bb\u5e74\u5927\u5e45\u4e0b\u964d6.1\u4e2a\u767e\u5206\u70b9\u3002\u503a\u52a1\u7ba1\u7406\u65b9\u9762\u7684\u89c4\u5212\u5c24\u5176\u8584\u5f31\u300255.2%\u7684\u53d7\u8bbf\u8005\u8868\u793a\u81ea\u5df1\u6301\u6709\u503a\u52a1\uff0c\u4f46\u53ea\u670919.2%\u8ba4\u4e3a\u8d22\u52a1\u89c4\u5212\u4e2d\u5e94\u5f53\u5305\u542b\u503a\u52a1\uff0c\u8fdc\u4f4e\u4e8e\u5bf9\u98ce\u9669\u8003\u91cf\uff0846.5%\uff09\u3001\u53ef\u6295\u8d44\u8d44\u4ea7\uff0841.2%\uff09\u7b49\u5176\u4ed6\u8d22\u52a1\u89c4\u5212\u8981\u7d20\u7684\u8ba4\u77e5\u5ea6\u3002\u5bf9\u8d22\u52a1\u89c4\u5212\u7684\u7406\u89e3\u4e0d\u8db3\u53ef\u80fd\u662f\u4e3b\u8981\u539f\u56e0\u3002\u8d22\u52a1\u89c4\u5212\u5e94\u5f53\u662f\u4e00\u9879\u9700\u8981\u6839\u636e\u81ea\u8eab\u548c\u5916\u90e8\u73af\u5883\u53d8\u5316\u800c\u4e0d\u65ad\u8c03\u6574\u3001\u66f4\u65b0\u7684\u957f\u671f\u5de5\u4f5c\uff0c\u4f46\u4ecd\u6709\u8d85\u8fc7\u4e09\u6210\u53d7\u8bbf\u8005\u56e0\u4e3a”\u8ba1\u5212\u8d76\u4e0d\u4e0a\u53d8\u5316”\u800c\u4e0d\u505a\u8d22\u52a1\u89c4\u5212\uff0c\u4e3a\u5404\u9879\u539f\u56e0\u4e4b\u9996\u3002 \u00a0 \u77ed\u671f\u6295\u8d44\u548c\u62e9\u65f6\u884c\u4e3a\u8f83\u4e3a\u666e\u904d\uff0c\u91d1\u878d\u7d20\u517b\u63d0\u5347\u8feb\u5728\u7709\u776b \u9762\u5bf9\u5e02\u573a\u6ce2\u52a8\uff0c\u65b0\u5bcc\u4eba\u7fa4\u6108\u53d1\u4e13\u6ce8\u4e8e\u83b7\u53d6\u77ed\u671f\u6536\u76ca\u3002\u9ad8\u8fbe71.5%\u7684\u53d7\u8bbf\u8005\u516c\u52df\u57fa\u91d1\u6301\u4ed3\u65f6\u95f4\u5728\u4e00\u5e74\u4e4b\u5185\uff0c\u670939.5%\u6301\u4ed3\u65f6\u95f4\u4e0d\u8d85\u8fc76\u4e2a\u6708\uff0c\u6240\u6709\u6837\u672c\u7684\u5e73\u5747\u6301\u4ed3\u65f6\u95f4\u4ec5\u4e3a1.14\u5e74\u3002\u5728\u77ed\u671f\u89c6\u89d2\u7684\u9a71\u52a8\u4e0b\uff0c\u65b0\u5bcc\u4eba\u7fa4\u4e5f\u96be\u4ee5\u89c4\u907f”\u8ffd\u6da8\u6740\u8dcc”\u7684\u884c\u4e3a\u2014\u201463.0%\u7684\u53d7\u8bbf\u8005\u8868\u793a\u4f1a\u5728\u83b7\u5f97\u6d6e\u76c8\u540e\u52a0\u4ed3\uff0c43.6%\u4f1a\u5728\u4e8f\u635f\u65f6”\u5272\u8089”\u79bb\u573a\u3002 \u57fa\u91d1\u6301\u4ed3\u65f6\u95f4\u4e0d\u8db3\u4e00\u5e74\u7684\u77ed\u671f\u6295\u8d44\u8005\u5bf9\u81ea\u8eab\u7406\u8d22\u80fd\u529b\u7684\u8ba4\u77e5\u548c\u4ed6\u4eec\u5b9e\u9645\u7684\u91d1\u878d\u7d20\u517b\u4e4b\u95f4\u5b58\u5728\u4e00\u5b9a\u5dee\u8ddd\u3002 \u9ad8\u8fbe70.1%\u7684\u77ed\u671f\u6295\u8d44\u8005\u5bf9\u81ea\u5df1\u7684\u7406\u8d22\u80fd\u529b\u8868\u793a\u6ee1\u610f\uff0c\u8fd9\u4e00\u6570\u636e\u5728\u6301\u4ed3\u65f6\u95f4\u8d85\u8fc7\u4e00\u5e74\u7684\u957f\u671f\u6295\u8d44\u8005\u4e2d\u4ec5\u4e3a58.6%\u3002\u77ed\u671f\u6295\u8d44\u8005\u6700\u6ee1\u610f\u81ea\u5df1\u7684\u5e02\u573a\u5206\u6790\u80fd\u529b\uff0c\u800c\u957f\u671f\u6295\u8d44\u8005\u6700\u6ee1\u610f\u7684\u5219\u662f\u81ea\u5df1\u7684\u98ce\u9669\u7ba1\u7406\u80fd\u529b\u3002\u7136\u800c\uff0c\u77ed\u671f\u6295\u8d44\u8005”\u91d1\u878d\u7d20\u517b\u4e09\u95ee”\u5168\u5bf9\u7684\u6bd4\u4f8b\u4ec5\u4e3a15.5%\uff0c\u663e\u8457\u4f4e\u4e8e\u957f\u671f\u6295\u8d44\u8005\u768443.1%\uff0c\u8868\u660e\u6295\u8d44\u8005\u4ecd\u9700\u7740\u529b\u901a\u8fc7\u63d0\u5347\u91d1\u878d\u7d20\u517b\uff0c\u4ee5\u8df5\u884c\u66f4\u7406\u6027\u7684\u6295\u8d44\u884c\u4e3a\u3002 “\u957f\u671f\u8d22\u52a1\u76ee\u6807\u7684\u5b9e\u73b0\u6709\u8d56\u4e8e\u6295\u8d44\u8005\u575a\u6301\u957f\u671f\u4e3b\u4e49\u3001\u7a7f\u8d8a\u7ecf\u6d4e\u5468\u671f\uff0c\u800c\u5728\u5e02\u573a\u6ce2\u52a8\u671f\u6020\u4e8e\u89c4\u5212\u3001\u8ffd\u9010\u77ed\u671f\u6536\u76ca\u5219\u53ef\u80fd\u4f1a\u5728\u672a\u6765\u9020\u6210\u8d22\u52a1\u5b89\u5168\u9690\u60a3\u3002\u5373\u4f7f\u5728\u6ce2\u52a8\u6027\u52a0\u5267\u7684\u60c5\u51b5\u4e0b\uff0c\u5206\u6563\u914d\u7f6e\u8d44\u4ea7\u4e5f\u80fd\u5e26\u6765\u76f8\u5bf9\u7a33\u5065\u7684\u6536\u76ca\uff0c\u5e2e\u52a9\u6295\u8d44\u8005\u66f4\u5e73\u7a33\u5730\u5ea6\u8fc7\u77ed\u671f\u9707\u8361\u3002\u56e0\u6b64\uff0c\u63d0\u5347\u6709\u5173\u957f\u671f\u6295\u8d44\u3001\u591a\u5143\u914d\u7f6e\u7684\u91d1\u878d\u7d20\u517b\u52bf\u5728\u5fc5\u884c\u3002”\u9ad8\u91d1\u6559\u6388\u5434\u98de\u5728\u89e3\u8bfb\u62a5\u544a\u53d1\u73b0\u65f6\u8c08\u5230\uff0c”\u5404\u7c7b\u91d1\u878d\u670d\u52a1\u548c\u6559\u80b2\u673a\u6784\u5e94\u5c31\u65b0\u5bcc\u4eba\u7fa4\u5728\u8d22\u5bcc\u7ba1\u7406\u4e2d\u9762\u4e34\u7684\u96be\u70b9\u75db\u70b9\uff0c\u5f00\u5c55\u5177\u6709\u9488\u5bf9\u6027\u7684\u91d1\u878d\u6559\u80b2\uff0c\u966a\u4f34\u65b0\u5bcc\u5bb6\u5ead\u4e0d\u65ad\u8d70\u5411\u8d22\u5bcc\u5065\u5eb7\u3002” \u517b\u8001\u610f\u8bc6\u63d0\u5347\u4f46\u5b9e\u9645\u884c\u52a8\u4e0d\u8db3\uff0c\u4e13\u4e1a\u6295\u987e\u670d\u52a1\u53ef\u52a9\u529b\u5b9e\u73b0\u957f\u671f\u76ee\u6807 \u4eca\u5e74\uff0c\u65b0\u5bcc\u4eba\u7fa4\u5728\u517b\u8001\u89c4\u5212\u65b9\u9762\u8868\u73b0\u66f4\u4e3a\u79ef\u6781\uff0c\u62e5\u6709\u517b\u8001\u89c4\u5212\u7684\u53d7\u8bbf\u8005\u6bd4\u4f8b\u8f83\u53bb\u5e74\u4e0a\u6da8\u4e866.4\u4e2a\u767e\u5206\u70b9\uff0c\u8fbe\u523047.4%\u300245\u5c81\u53ca\u4ee5\u4e0a\u4eba\u7fa4\u8fdb\u884c\u517b\u8001\u89c4\u5212\u7684\u6bd4\u4f8b\u6700\u9ad8\uff0c\u4e3a58.3%\u3002 \u8c03\u7814\u663e\u793a\uff0c\u62e5\u6709\u517b\u8001\u89c4\u5212\u7684\u4eba\u7fa4\u5bf9\u672a\u6765\u7684\u8bbe\u60f3\u66f4\u52a0\u6e05\u6670\uff0c\u517b\u8001\u51c6\u5907\u7684\u6267\u884c\u529b\u66f4\u5f3a\uff0c\u8fd9\u6709\u52a9\u4e8e\u63d0\u5347\u957f\u671f\u8d22\u5bcc\u4fe1\u5fc3\u548c\u6ee1\u610f\u5ea6\u3002 \u6709\u517b\u8001\u89c4\u5212\u7684\u4eba\u7fa4\u4e2d\u670987.6%\u4f1a\u4e3a\u81ea\u5df1\u7684\u5404\u9879\u8d22\u52a1\u76ee\u6807\u5206\u522b\u51c6\u5907\u6240\u9700\u8d44\u91d1\uff08\u4f8b\u5982\u5f00\u8bbe\u72ec\u7acb\u8d26\u6237\uff09\uff0c\u800c\u8fd9\u4e00\u6bd4\u4f8b\u5728\u6ca1\u6709\u517b\u8001\u89c4\u5212\u7684\u4eba\u7fa4\u4e2d\u4ec5\u4e3a27.9%\u3002\u62e5\u6709\u517b\u8001\u89c4\u5212\u7684\u4eba\u7fa4\u5728\u603b\u4f53\u8d22\u5bcc\u5065\u5eb7\u548c\u56db\u9879\u6b21\u6307\u6570\u4e2d\u7684\u8868\u73b0\u90fd\u66f4\u4e3a\u51fa\u8272\u3002\u540c\u65f6\uff0c\u524d\u8005\u9884\u8ba1\u81ea\u5df1\u9000\u4f11\u540e\u6240\u9700\u7684\u6bcf\u6708\u652f\u51fa\u4e3a\u5e73\u574717844\u5143\uff0c\u9ad8\u4e8e\u540e\u8005\u768411809\u5143\u3002 \u4f46\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u65b0\u5bcc\u4eba\u7fa4\u5bf9\u4e8e\u517b\u8001\u8d22\u52a1\u76ee\u6807\u7684\u8ba4\u8bc6\u4ecd\u6709\u5f85\u63d0\u5347\u548c\u7ec6\u5316\uff0c\u5426\u5219\u53ef\u80fd\u4f1a\u5728\u957f\u671f\u9020\u6210\u8d22\u52a1\u51c6\u5907\u4e0d\u8db3\u7684\u9690\u60a3\u3002\u5728\u5386\u5e74\u7684\u8c03\u7814\u4e2d\uff0c\u53d7\u8bbf\u8005\u4e3a\u81ea\u5df1\u8bbe\u5b9a\u7684\u5b9e\u73b0\u517b\u8001\u76ee\u6807\u6240\u9700\u65f6\u95f4\u5df2\u8fde\u7eed\u4e94\u5e74\u7f29\u77ed\uff0c\u4eca\u5e74\u5e73\u5747\u4e3a8.99\u5e74\uff0c\u8fdc\u4f4e\u4e8e\u884c\u4e1a\u666e\u904d\u8ba4\u77e5\u3002\u8fd9\u4e00\u8d8b\u52bf\u5728\u8ddd\u79bb\u9000\u4f11\u5e74\u9650\u6700\u957f\u768418-24\u5c81\u4eba\u7fa4\u4e2d\u6700\u4e3a\u660e\u663e\uff0c\u4ece\u53bb\u5e74\u768412.77\u5e74\u9510\u51cf\u5230\u4eca\u5e74\u76847.98\u5e74\u3002\u5728\u4e0e\u517b\u8001\u89c4\u5212\u76f8\u5173\u7684\u5404\u9879\u6295\u987e\u670d\u52a1\u4e2d\uff0c\u65b0\u5bcc\u4eba\u7fa4\u9700\u6c42\u6700\u9ad8\u7684\u670d\u52a1\u5185\u5bb9\u4e5f\u662f”\u5e2e\u52a9\u81ea\u5df1\u8bc4\u4f30\u9000\u4f11\u540e\u6240\u9700\u7684\u517b\u8001\u8d44\u91d1”\uff0c\u5f70\u663e\u4e86\u65b0\u5bcc\u4eba\u7fa4\u5728\u7406\u89e3\u517b\u8001\u6240\u9700\u7684\u8d22\u52a1\u51c6\u5907\u3001\u6811\u7acb\u7b26\u5408\u73b0\u5b9e\u60c5\u51b5\u7684\u8ba4\u77e5\u65b9\u9762\u9700\u8981\u4e13\u4e1a\u6307\u5bfc\u548c\u5e2e\u52a9\u3002 \u5609\u4fe1\u7406\u8d22\uff08\u4e0a\u6d77\uff09\u603b\u7ecf\u7406Thomas Pixley\u5728\u73b0\u573a\u8868\u793a\uff1a”\u4eca\u5e74\u7684\u300a\u6307\u6570\u300b\u53d1\u73b0\u518d\u5ea6\u51f8\u663e\u4e86\u957f\u671f\u8d22\u52a1\u89c4\u5212\u548c\u5168\u65b9\u4f4d\u8d22\u5bcc\u7ba1\u7406\u5bf9\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u7684\u91cd\u8981\u610f\u4e49\uff0c\u4e5f\u4e3a\u91d1\u878d\u884c\u4e1a\u7684\u53d1\u5c55\u6307\u660e\u4e86\u65b9\u5411\u3002\u91d1\u878d\u670d\u52a1\u673a\u6784\u5e94\u5f53\u4ece\u6295\u8d44\u8005\u7684\u4eba\u751f\u76ee\u6807\u548c\u5bb6\u5ead\u9700\u6c42\u51fa\u53d1\uff0c\u5728\u4ece\u8d44\u4ea7\u5230\u8d1f\u503a\u7aef\u7684\u65b9\u65b9\u9762\u9762\u4e3a\u65b0\u5bcc\u4eba\u7fa4\u63d0\u4f9b\u9488\u5bf9\u6027\u7684\u5efa\u8bae\uff0c\u5f15\u5bfc\u4ed6\u4eec\u901a\u8fc7\u4e13\u6ce8\u5b9e\u73b0\u957f\u671f\u76ee\u6807\u6765\u5e73\u7a33\u5ea6\u8fc7\u4e0d\u53ef\u907f\u514d\u7684\u5e02\u573a\u6ce2\u52a8\uff0c\u628a\u63e1\u8d22\u5bcc\u4eba\u751f\u7684\u4e3b\u52a8\u6743\u3002” ### \u5173\u4e8e\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b \u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b\u662f\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u4e8e2017\u5e74\u5171\u540c\u53d1\u8d77\u7684\u4e00\u9879\u5408\u4f5c\u3002\u8c03\u7814\u7684\u95ee\u5377\u8bbe\u8ba1\u3001\u6570\u636e\u641c\u96c6\u548c\u6307\u6570\u62a5\u544a\u5236\u4f5c\u5747\u7531\u5168\u7403\u9886\u5148\u7684\u6d88\u8d39\u8005\u7814\u7a76\u4e0e\u96f6\u552e\u76d1\u6d4b\u516c\u53f8\u5c3c\u5c14\u68eeIQ\u6267\u884c\u3002\u8fd9\u9879\u6307\u6570\u65e8\u5728\u52a8\u6001\u8ffd\u8e2a\u65b0\u5bcc\u4eba\u7fa4\u8fd9\u4e00\u63a8\u52a8\u4e2d\u56fd\u4e43\u81f3\u5168\u7403\u7ecf\u6d4e\u53d1\u5c55\u7684\u7fa4\u4f53\u5bf9\u4e8e\u81ea\u8eab\u8d22\u5bcc\u5065\u5eb7\u7684\u8ba4\u77e5\u548c\u53d8\u5316\u3002\u5728\u6b64\u57fa\u7840\u4e0a\uff0c2024\u5e74\u7684\u300a\u6307\u6570\u300b\u81f4\u529b\u4e8e\u5e2e\u52a9\u91d1\u878d\u4e13\u4e1a\u4eba\u58eb\u548c\u653f\u7b56\u5236\u5b9a\u8005\u6df1\u5165\u4e86\u89e3\u548c\u63a2\u7a76\u4e2d\u56fd\u65b0\u5bcc\u7fa4\u4f53\u6295\u8d44\u884c\u4e3a\u80cc\u540e\u7684\u9a71\u52a8\u56e0\u7d20\uff0c\u4ece\u800c\u66f4\u597d\u5730\u670d\u52a1\u4e8e\u8fd9\u4e00\u5bf9\u4e2d\u56fd\u548c\u5168\u7403\u7ecf\u6d4e\u53d1\u5c55\u6781\u5176\u91cd\u8981\u7684\u7fa4\u4f53\u3002 \u672c\u6b21\u8c03\u7814\u5171\u8bbf\u95ee\u4e864592\u540d\u5e74\u6536\u5165\u572812.5\u81f3100\u4e07\u5143\u4e4b\u95f4\u3001\u53ef\u6295\u8d44\u8d44\u4ea7\u5728700\u4e07\u5143\u4ee5\u4e0b\u7684\u65b0\u5bcc\u4eba\u7fa4\uff0c\u8986\u76d6\u4e2d\u56fd\u4e0a\u6d77\u3001\u5317\u4eac\u3001\u5e7f\u5dde\u3001\u6df1\u5733\u3001\u6210\u90fd\u3001\u676d\u5dde\u3001\u5927\u8fde\u3001\u53a6\u95e8\u3001\u91cd\u5e86\u3001\u6b66\u6c49\u3001\u5357\u901a\u3001\u77f3\u5bb6\u5e84\u3001\u4e2d\u5c71\u3001\u6606\u660e\u53ca\u8944\u9633\u7b49\u5341\u4e94\u5ea7\u57ce\u5e02\u3002 \u5173\u4e8e\u4e0a\u6d77\u9ad8\u7ea7\u91d1\u878d\u5b66\u9662\u00a0 \u4e0a\u6d77\u4ea4\u901a\u5927\u5b66\u4e0a\u6d77\u9ad8\u7ea7\u91d1\u878d\u5b66\u9662\u662f\u4e0a\u6d77\u5e02\u4eba\u6c11\u653f\u5e9c\u4e3a\u5b9e\u73b0\u5c06\u4e0a\u6d77\u5efa\u8bbe\u6210\u4e3a\u56fd\u9645\u91d1\u878d\u4e2d\u5fc3\u7684\u56fd\u5bb6\u6218\u7565\u3001\u6ee1\u8db3\u4e0a\u6d77\u4e43\u81f3\u5168\u56fd\u91d1\u878d\u4e1a\u53d1\u5c55\u5e76\u4e0e\u56fd\u9645\u63a5\u8f68\u7684\u8feb\u5207\u9700\u8981\uff0c\u4f9d\u6258\u4e0a\u6d77\u4ea4\u901a\u5927\u5b66\u800c\u521b\u5efa\u7684\u4e00\u6240\u6309\u7167\u56fd\u9645\u4e00\u6d41\u5546\u5b66\u9662\u6a21\u5f0f\u529e\u5b66\u7684\u91d1\u878d\u5b66\u9662\uff0c\u82f1\u6587\u540d\u79f0\u4e3aShanghai Advanced Institute of Finance (SAIF)\u3002\u5b66\u9662\u4ee5\u6c47\u805a\u56fd\u9645\u4e00\u6d41\u5e08\u8d44\u3001\u57f9\u517b\u9ad8\u7aef\u91d1\u878d\u4eba\u624d\u3001\u6784\u7b51\u5f00\u653e\u7814\u7a76\u5e73\u53f0\u3001\u5f62\u6210\u9876\u7ea7\u653f\u7b56\u667a\u5e93\u4f5c\u4e3a\u81ea\u5df1\u7684\u5fc5\u8fbe\u4f7f\u547d\u3002 \u5173\u4e8e\u5609\u4fe1\u7406\u8d22\u548c\u5609\u4fe1\u7406\u8d22\u4e2d\u56fd \u5609\u4fe1\u7406\u8d22\u96c6\u56e2\uff08\u7ebd\u4ea4\u6240\u4ee3\u7801\uff1aSCHW\uff09\u662f\u4e00\u5bb6\u7f8e\u56fd\u9886\u5148\u7684\u91d1\u878d\u670d\u52a1\u673a\u6784\u3002\u622a\u81f32024\u5e748\u670831\u65e5\uff0c\u5609\u4fe1\u7406\u8d22\u62e5\u6709\u903e350\u5bb6\u5206\u652f\u673a\u6784\uff0c\u6d3b\u8dc3\u4ea4\u6613\u8d26\u62373590\u4e07\u4e2a\uff0c\u8d44\u4ea7\u7ba1\u7406\u89c4\u6a21\u8fbe9.74\u4e07\u4ebf\u7f8e\u5143\u3002\u5609\u4fe1\u7406\u8d22\u81f4\u529b\u4e8e\u4e3a\u4e2a\u4eba\u6295\u8d44\u8005\u548c\u72ec\u7acb\u6295\u8d44\u987e\u95ee\u63d0\u4f9b\u5168\u65b9\u4f4d\u7684\u8d22\u5bcc\u7ba1\u7406\u4ea7\u54c1\u548c\u670d\u52a1\u3002\u5176\u5728\u7f8e\u56fd\u7684\u4e3b\u8425\u4e1a\u52a1\u5305\u62ec\uff1a\u8bc1\u5238\u7ecf\u7eaa\u3001\u94f6\u884c\u4e1a\u52a1\u3001\u8d44\u4ea7\u7ba1\u7406\u3001\u8d26\u6237\u6258\u7ba1\u4ee5\u53ca\u6295\u8d44\u987e\u95ee\u670d\u52a1\u7b49\u3002\u00a0 \u5609\u4fe1\u534e\u7934\uff08\u4e0a\u6d77\uff09\u4f01\u4e1a\u7ba1\u7406\u54a8\u8be2\u6709\u9650\u516c\u53f8\u662f\u5609\u4fe1\u7406\u8d22\u4e8e\u4e0a\u6d77\u6ce8\u518c\u6210\u7acb\u7684\u4e00\u5bb6\u5916\u5546\u72ec\u8d44\u4f01\u4e1a\u548c\u5168\u8d44\u5b50\u516c\u53f8\u3002\u4ee5\u8be5\u516c\u53f8\u4e3a\u5e73\u53f0\uff0c\u5609\u4fe1\u7406\u8d22\u8ba1\u5212\u5728\u4e2d\u56fd\u5e02\u573a\u7740\u529b\u5f00\u5c55\u6295\u8d44\u8005\u6559\u80b2\uff0c\u63d0\u5347\u4e2d\u56fd\u6295\u8d44\u8005\u7684\u91d1\u878d\u7d20\u517b\uff0c\u589e\u5f3a\u5176\u5bf9\u79d1\u5b66\u8d22\u5bcc\u7ba1\u7406\u7684\u53c2\u4e0e\u5ea6\u3002\u00a0 \u9ad8\u91d1\u4e0e\u5609\u4fe1\u7406\u8d22\u4e4b\u95f4\u4e0d\u5b58\u5728\u9644\u5c5e\u5173\u7cfb\u3002\u53cc\u65b9\u6240\u53d1\u8868\u7684\u4efb\u4f55\u89c2\u70b9\u5e76\u4e0d\u4ee3\u8868\u5bf9\u65b9\u7acb\u573a\u3002\u6240\u6709\u8d44\u8baf\u5e76\u4e0d\u6784\u6210\u4efb\u4f55\u63a8\u8350\u3001\u8d2d\u4e70\u6216\u51fa\u552e\u4efb\u4f55\u8bc1\u5238\u7684\u9080\u7ea6\uff0c\u4e5f\u5e76\u975e\u65e8\u5728\u63d0\u4f9b\u4efb\u4f55\u7a0e\u52a1\u3001\u6cd5\u5f8b\u6216\u6295\u8d44\u5efa\u8bae\u3002 \u5a92\u4f53\u5782\u8be2\uff1a \u6797\u96ea | \u5b89\u53ef\u987e\u95eeAPCO\u7535\u8bdd\uff1a+86 185-2651-2314\u90ae\u7bb1\uff1aelin@apcoworldwide.com SOURCE \u5609\u4fe1\u7406\u8d22","og_url":"https:\/\/moneycompass.com.my\/cn\/\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u53d1\u5e03\u7b2c\u516b\u5e74\u5ea6\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\/","og_site_name":"Money Compass CN","article_published_time":"2024-10-24T07:13:00+00:00","og_image":[{"width":144,"height":103,"url":"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2024\/10\/2024________________CN-BWZtjz.jpeg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/moneycompass.com.my\/cn\/%e9%ab%98%e9%87%91%e5%92%8c%e5%98%89%e4%bf%a1%e7%90%86%e8%b4%a2%e5%8f%91%e5%b8%83%e7%ac%ac%e5%85%ab%e5%b9%b4%e5%ba%a6%e3%80%8a%e4%b8%ad%e5%9b%bd%e6%96%b0%e5%af%8c%e4%ba%ba%e7%be%a4%e8%b4%a2%e5%af%8c\/","url":"https:\/\/moneycompass.com.my\/cn\/%e9%ab%98%e9%87%91%e5%92%8c%e5%98%89%e4%bf%a1%e7%90%86%e8%b4%a2%e5%8f%91%e5%b8%83%e7%ac%ac%e5%85%ab%e5%b9%b4%e5%ba%a6%e3%80%8a%e4%b8%ad%e5%9b%bd%e6%96%b0%e5%af%8c%e4%ba%ba%e7%be%a4%e8%b4%a2%e5%af%8c\/","name":"\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u53d1\u5e03\u7b2c\u516b\u5e74\u5ea6\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b - Money Compass CN","isPartOf":{"@id":"https:\/\/moneycompass.com.my\/cn\/#website"},"primaryImageOfPage":{"@id":"https:\/\/moneycompass.com.my\/cn\/%e9%ab%98%e9%87%91%e5%92%8c%e5%98%89%e4%bf%a1%e7%90%86%e8%b4%a2%e5%8f%91%e5%b8%83%e7%ac%ac%e5%85%ab%e5%b9%b4%e5%ba%a6%e3%80%8a%e4%b8%ad%e5%9b%bd%e6%96%b0%e5%af%8c%e4%ba%ba%e7%be%a4%e8%b4%a2%e5%af%8c\/#primaryimage"},"image":{"@id":"https:\/\/moneycompass.com.my\/cn\/%e9%ab%98%e9%87%91%e5%92%8c%e5%98%89%e4%bf%a1%e7%90%86%e8%b4%a2%e5%8f%91%e5%b8%83%e7%ac%ac%e5%85%ab%e5%b9%b4%e5%ba%a6%e3%80%8a%e4%b8%ad%e5%9b%bd%e6%96%b0%e5%af%8c%e4%ba%ba%e7%be%a4%e8%b4%a2%e5%af%8c\/#primaryimage"},"thumbnailUrl":"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2024\/10\/2024________________CN-BWZtjz.jpeg","datePublished":"2024-10-24T07:13:00+00:00","dateModified":"2024-10-24T07:13:00+00:00","author":{"@id":""},"breadcrumb":{"@id":"https:\/\/moneycompass.com.my\/cn\/%e9%ab%98%e9%87%91%e5%92%8c%e5%98%89%e4%bf%a1%e7%90%86%e8%b4%a2%e5%8f%91%e5%b8%83%e7%ac%ac%e5%85%ab%e5%b9%b4%e5%ba%a6%e3%80%8a%e4%b8%ad%e5%9b%bd%e6%96%b0%e5%af%8c%e4%ba%ba%e7%be%a4%e8%b4%a2%e5%af%8c\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/moneycompass.com.my\/cn\/%e9%ab%98%e9%87%91%e5%92%8c%e5%98%89%e4%bf%a1%e7%90%86%e8%b4%a2%e5%8f%91%e5%b8%83%e7%ac%ac%e5%85%ab%e5%b9%b4%e5%ba%a6%e3%80%8a%e4%b8%ad%e5%9b%bd%e6%96%b0%e5%af%8c%e4%ba%ba%e7%be%a4%e8%b4%a2%e5%af%8c\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/moneycompass.com.my\/cn\/%e9%ab%98%e9%87%91%e5%92%8c%e5%98%89%e4%bf%a1%e7%90%86%e8%b4%a2%e5%8f%91%e5%b8%83%e7%ac%ac%e5%85%ab%e5%b9%b4%e5%ba%a6%e3%80%8a%e4%b8%ad%e5%9b%bd%e6%96%b0%e5%af%8c%e4%ba%ba%e7%be%a4%e8%b4%a2%e5%af%8c\/#primaryimage","url":"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2024\/10\/2024________________CN-BWZtjz.jpeg","contentUrl":"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2024\/10\/2024________________CN-BWZtjz.jpeg","width":144,"height":103},{"@type":"BreadcrumbList","@id":"https:\/\/moneycompass.com.my\/cn\/%e9%ab%98%e9%87%91%e5%92%8c%e5%98%89%e4%bf%a1%e7%90%86%e8%b4%a2%e5%8f%91%e5%b8%83%e7%ac%ac%e5%85%ab%e5%b9%b4%e5%ba%a6%e3%80%8a%e4%b8%ad%e5%9b%bd%e6%96%b0%e5%af%8c%e4%ba%ba%e7%be%a4%e8%b4%a2%e5%af%8c\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/moneycompass.com.my\/cn\/"},{"@type":"ListItem","position":2,"name":"\u9ad8\u91d1\u548c\u5609\u4fe1\u7406\u8d22\u53d1\u5e03\u7b2c\u516b\u5e74\u5ea6\u300a\u4e2d\u56fd\u65b0\u5bcc\u4eba\u7fa4\u8d22\u5bcc\u5065\u5eb7\u6307\u6570\u300b"}]},{"@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\/2803"}],"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=2803"}],"version-history":[{"count":0,"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/posts\/2803\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/media\/2804"}],"wp:attachment":[{"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/media?parent=2803"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/categories?post=2803"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/tags?post=2803"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}