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\u4e2d\u534e\u533b\u5b66\u4f1a\u5fc3\u8840\u7ba1\u75c5\u5b66\u5206\u4f1a, \u4e2d\u56fd\u751f\u7269\u533b\u5b66\u5de5\u7a0b\u5b66\u4f1a\u5fc3\u5f8b\u5206\u4f1a. \u5fc3\u623f\u98a4\u52a8\u8bca\u65ad\u548c\u6cbb\u7597\u4e2d\u56fd\u6307\u5357 [J] . \u4e2d\u534e\u5fc3\u8840\u7ba1\u75c5\u6742\u5fd7, 2023, 51(6) : 572-618. DOI: 10.3760\/cma.j.cn112148-20230416-00221. \u00a0 SOURCE \u6b27\u59c6\u9f99\u5065\u5eb7\u533b\u7597\uff08\u4e2d\u56fd\uff09\u6709\u9650\u516c\u53f8<\/p>\n","protected":false},"author":0,"featured_media":7880,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[],"class_list":["post-7879","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pr-newswire"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u6b27\u59c6\u9f99\u643a\u624b\u676d\u5dde\u4e5d\u6d32\u5927\u836f\u623f\uff0c\u5171\u7b51\u623f\u98a4\u98ce\u9669\u7b5b\u67e5&quot;\u5fc3&quot;\u9632\u7ebf - 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\/\u6b27\u59c6\u9f99\u643a\u624b\u676d\u5dde\u4e5d\u6d32\u5927\u836f\u623f\uff0c\u5171\u7b51\u623f\u98a4\u98ce\u9669\u7b5b\u67e5\u5fc3\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u6b27\u59c6\u9f99\u643a\u624b\u676d\u5dde\u4e5d\u6d32\u5927\u836f\u623f\uff0c\u5171\u7b51\u623f\u98a4\u98ce\u9669\u7b5b\u67e5&quot;\u5fc3&quot;\u9632\u7ebf - Money Compass CN\" \/>\n<meta property=\"og:description\" content=\"\u676d\u5dde2025\u5e742\u670828\u65e5 \/\u7f8e\u901a\u793e\/ &#8212; 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\u4e13\u4e1a\u57f9\u8bad\u52a9\u529b\u670d\u52a1\u5347\u7ea7\uff0c\u63d0\u5347\u5ba2\u6237\u5173\u6000 \u4e3a\u4e86\u786e\u4fdd\u836f\u5e97\u5458\u5de5\u80fd\u591f\u63d0\u4f9b\u4e13\u4e1a\u7684\u5065\u5eb7\u54a8\u8be2\u670d\u52a1\uff0c\u6b27\u59c6\u9f99\u5f00\u5c55\u4e86\u9488\u5bf9\u4ea7\u54c1\u4f7f\u7528\u548c\u75be\u75c5\u77e5\u8bc6\u7684\u4e13\u9879\u57f9\u8bad\u3002\u57f9\u8bad\u4e0d\u4ec5\u5e2e\u52a9\u5458\u5de5\u719f\u7ec3\u638c\u63e1\u4ea7\u54c1\u7684\u4f7f\u7528\u65b9\u6cd5\uff0c\u4e5f\u589e\u5f3a\u4e86\u4ed6\u4eec\u5bf9\u623f\u98a4\u7684\u77e5\u8bc6\u7406\u89e3\uff0c\u80fd\u591f\u4e3a\u6d88\u8d39\u8005\u63d0\u4f9b\u51c6\u786e\u7684\u5065\u5eb7\u5efa\u8bae\u3002\u6b27\u59c6\u9f99\u8fd8\u5c06\u901a\u8fc7\u4e00\u7cfb\u5217\u9500\u552e\u653f\u7b56\u3001\u6d3b\u52a8\u7b56\u5212\u53ca\u6570\u636e\u652f\u6301\u7b49\u4e3e\u63aa\u8d4b\u80fd\u4e5d\u6d32\u5927\u836f\u623f\uff0c\u4ee5\u6b64\u63d0\u5347\u836f\u5e97\u7684\u8fd0\u8425\u6548\u7387\u548c\u670d\u52a1\u8d28\u91cf\u3002 \u672a\u6765\uff0c\u6b27\u59c6\u9f99\u4e0e\u4e5d\u6d32\u5927\u836f\u623f\u5c06\u7ee7\u7eed\u6df1\u5316\u5408\u4f5c\uff0c\u8ba1\u5212\u5728\u676d\u5dde\u66f4\u591a\u95e8\u5e97\u63a8\u5e7f&#8221;\u623f\u98a4\u98ce\u9669\u7b5b\u67e5\u4e13\u533a&#8221;\u3002\u6b27\u59c6\u9f99\u5065\u5eb7\u533b\u7597\uff08\u4e2d\u56fd\uff09\u6709\u9650\u516c\u53f8\u5e38\u52a1\u526f\u603b\u7ecf\u7406\u4e1c\u8c37\u9686\u53f2\u8868\u793a\uff1a&#8221;\u4f5c\u4e3a\u5168\u7403\u9886\u5148\u7684\u5065\u5eb7\u533b\u7597\u54c1\u724c\uff0c\u6b27\u59c6\u9f99\u59cb\u7ec8\u79c9\u627f&#8221;Going for ZERO\uff0c\u9884\u9632\u533b\u7597\uff0c\u8ba9\u4e16\u754c\u66f4\u5065\u5eb7&#8221;\u7684\u613f\u666f\uff0c\u6df1\u5316\u4e0e\u6e20\u9053\u5408\u4f5c\u4f19\u4f34\u7684\u5408\u4f5c\uff0c\u5171\u540c\u4e3a\u66f4\u591a\u6d88\u8d39\u8005\u63d0\u4f9b\u4f18\u8d28\u7684\u5065\u5eb7\u4ea7\u54c1\u548c\u670d\u52a1\uff0c\u52a9\u529b\u5065\u5eb7\u4e2d\u56fd\u5efa\u8bbe\u3002&#8221; [1] \u4e2d\u534e\u533b\u5b66\u4f1a\u5fc3\u8840\u7ba1\u75c5\u5b66\u5206\u4f1a, \u4e2d\u56fd\u751f\u7269\u533b\u5b66\u5de5\u7a0b\u5b66\u4f1a\u5fc3\u5f8b\u5206\u4f1a. \u5fc3\u623f\u98a4\u52a8\u8bca\u65ad\u548c\u6cbb\u7597\u4e2d\u56fd\u6307\u5357 [J] . \u4e2d\u534e\u5fc3\u8840\u7ba1\u75c5\u6742\u5fd7, 2023, 51(6) : 572-618. 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\u4e2d\u534e\u533b\u5b66\u4f1a\u5fc3\u8840\u7ba1\u75c5\u5b66\u5206\u4f1a, \u4e2d\u56fd\u751f\u7269\u533b\u5b66\u5de5\u7a0b\u5b66\u4f1a\u5fc3\u5f8b\u5206\u4f1a. \u5fc3\u623f\u98a4\u52a8\u8bca\u65ad\u548c\u6cbb\u7597\u4e2d\u56fd\u6307\u5357 [J] . \u4e2d\u534e\u5fc3\u8840\u7ba1\u75c5\u6742\u5fd7, 2023, 51(6) : 572-618. 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