{"id":13196,"date":"2025-02-23T14:26:27","date_gmt":"2025-02-23T06:26:27","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=13196"},"modified":"2026-10-22T16:27:42","modified_gmt":"2026-10-22T08:27:42","slug":"%e5%8f%b0%e7%81%a3%e5%85%a8%e6%b0%91%e5%81%a5%e4%bf%9d%e6%87%b6%e4%ba%ba%e5%8c%85%ef%bc%9a65%e6%ad%b2%e9%80%80%e4%bc%91%e5%be%8c%e6%80%8e%e9%ba%bc%e8%be%a6%ef%bc%9f%e4%bf%9d%e8%b2%bb%e3%80%81%e8%a3%9c","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=13196","title":{"rendered":"65\u6b72\u514d\u5065\u4fdd\u8cbb\u4e09\u8b80\uff1a\u8ab0\u80fd\u514d\u3001\u4f55\u6642\u4e0a\u8def\uff1f\u9000\u4f11\u5f8c\u5065\u4fdd\u4f9d\u9644\u5b50\u5973\u3001\u516c\u6240\u4fdd\u8cbb\u8207\u88dc\u52a9"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u300c\u5e74\u6eff 65 \u6b72\uff0c\u5065\u4fdd\u8cbb\u5c31\u4e0d\u7528\u7e73\u4e86\u300d<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u53e5\u8a71\u5728\u9577\u8f29\u7684 LINE 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39 \u7968\uff0c\u4e09\u8b80\u4fee\u6b63\u300a\u8001\u4eba\u798f\u5229\u6cd5\u300b\u7b2c 22 \u689d<sup>[18]<\/sup>\uff1a\u8001\u4eba\u7684\u5065\u4fdd\u8cbb\uff0c\u7d93\u7a05\u6350\u7a3d\u5fb5\u6a5f\u95dc\u6838\u5b9a\uff0c\u6700\u8fd1 1 \u5e74\u7d9c\u5408\u6240\u5f97\u7e3d\u984d\u5408\u8a08\u672a\u9054\u7533\u5831\u6a19\u6e96\uff0c\u6216\u7d9c\u5408\u6240\u5f97\u7a05\u7a05\u7387\u672a\u9054 20% \u7684\uff0c\u7531\u4e2d\u592e\u4e3b\u7ba1\u6a5f\u95dc\uff08\u885b\u751f\u798f\u5229\u90e8\uff09\u88dc\u52a9<sup>[18]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u300a\u8001\u4eba\u798f\u5229\u6cd5\u300b\u8aaa\u7684\u8001\u4eba\uff0c\u662f\u5e74\u6eff 65 \u6b72\u4ee5\u4e0a\u7684\u4eba\uff08\u7b2c 2 \u689d\uff09<sup>[21]<\/sup>\uff0c\u6240\u4ee5\u9580\u6abb\u53ea\u6709\u5169\u500b\uff1a65 \u6b72\u4ee5\u4e0a\uff0c\u52a0\u4e0a\u6240\u5f97\u9580\u6abb\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u539f\u672c\u7684\u7b2c 22 \u689d\uff0c\u662f\u7531\u76f4\u8f44\u5e02\u3001\u7e23\uff08\u5e02\uff09\u88dc\u52a9\u7121\u529b\u8ca0\u64d4\u5065\u4fdd\u8cbb\u7684\u9577\u8005<sup>[21]<\/sup>\uff0c\u5404\u7e23\u5e02\u689d\u4ef6\u4e0d\u4e00\uff1b\u9019\u6b21\u4e09\u8b80\u628a\u51fa\u9322\u7684\u4e00\u65b9\u6539\u6210\u4e2d\u592e\uff0c\u4e26\u628a\u6240\u5f97\u9580\u6abb\u5beb\u9032\u689d\u6587\u3002<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u9805\u76ee<\/th>\n<th>\u4e09\u8b80\u5167\u5bb9<\/th>\n<th>\u9084\u8981\u7b49\u7684\u7d30\u7bc0<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u5c0d\u8c61<\/td>\n<td>65 \u6b72\u4ee5\u4e0a<\/td>\n<td>\u2014<\/td>\n<\/tr>\n<tr>\n<td>\u6240\u5f97\u9580\u6abb<\/td>\n<td>\u6700\u8fd1 1 \u5e74\u7d9c\u5408\u6240\u5f97\u7e3d\u984d\u672a\u9054\u7533\u5831\u6a19\u6e96\uff0c\u6216\u7d9c\u5408\u6240\u5f97\u7a05\u7a05\u7387\u672a\u9054 20%<\/td>\n<td>\u88ab\u5b50\u5973\u7533\u5831\u6276\u990a\u7684\u9577\u8f29\uff0c\u770b\u81ea\u5df1\u9084\u662f\u5b50\u5973\u7684\u7a05\u7387<\/td>\n<\/tr>\n<tr>\n<td>\u8ab0\u51fa\u9322<\/td>\n<td>\u4e2d\u592e\u4e3b\u7ba1\u6a5f\u95dc\u88dc\u52a9<\/td>\n<td>\u548c\u5404\u7e23\u5e02\u73fe\u884c\u7684\u9577\u8005\u88dc\u52a9\u600e\u9ebc\u929c\u63a5<\/td>\n<\/tr>\n<tr>\n<td>\u88dc\u591a\u5c11<\/td>\n<td>\u5831\u5c0e\u5beb\u300c\u5168\u984d\u300d\uff1b\u63d0\u6848\u7684\u6c11\u773e\u9ee8\u5718\u4ee5\u6bcf\u4eba\u6bcf\u6708 826 \u5143\u4f30\u7b97\uff0c\u7e3d\u652f\u51fa\u7d04\u8fd1 390 \u5104\u5143<\/td>\n<td>\u4f9d\u9644\u9ad8\u85aa\u5b50\u5973\u3001\u4fdd\u8cbb\u8d85\u904e 826 \u5143\u7684\u90e8\u5206\u88dc\u4e0d\u88dc<\/td>\n<\/tr>\n<tr>\n<td>\u4ec0\u9ebc\u6642\u5019\u958b\u59cb<\/td>\n<td>\u9084\u6c92\u958b\u59cb<\/td>\n<td>\u7e3d\u7d71\u516c\u5e03\u5f8c\u7684\u65bd\u884c\u65e5\u671f\uff1b\u884c\u653f\u9662\u662f\u5426\u79fb\u8acb\u8986\u8b70<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u4e2d\u592e\u793e\uff0c2026 \u5e74 10 \u6708 16 \u65e5<sup>[18]<\/sup>\uff1b\u300a\u8001\u4eba\u798f\u5229\u6cd5\u300b<sup>[21]<\/sup>\uff1b\u6574\u7406\u81f3 2026 \u5e74 10 \u6708 16 \u65e5\uff0c\u689d\u6587\u516c\u5e03\u5f8c\u4ee5\u5168\u570b\u6cd5\u898f\u8cc7\u6599\u5eab\u70ba\u6e96<\/p>\n\n<p class=\"wp-block-paragraph\">\u7a05\u7387 20% \u7684\u9580\u6abb\u6709\u591a\u9ad8\uff1f<\/p>\n\n<p class=\"wp-block-paragraph\">7 \u500b\u91ab\u754c\u5718\u9ad4\u7684\u806f\u5408\u8072\u660e\u4f30\u7b97\uff0c\u5927\u7d04\u8981\u5e74\u6240\u5f97 133 \u842c\u5143\u4ee5\u4e0a\u624d\u6703\u9069\u7528 20%\uff0c\u5be6\u8cea\u4e0a\u5e7e\u4e4e\u6db5\u84cb\u5927\u591a\u6578\u9577\u8005<sup>[19]<\/sup>\uff0c\u9019\u4e5f\u662f\u722d\u8b70\u6240\u5728\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u885b\u798f\u90e8\u9577\u77f3\u5d07\u826f\u5728\u8868\u6c7a\u524d\u8868\u793a\uff0c\u9019\u7b46\u9322\u5982\u679c\u7531\u5176\u4ed6\u5065\u4fdd\u4ed8\u8cbb\u8005\u5206\u6524\uff0c15 \u5230 64 \u6b72\u7684\u4eba\u6bcf\u4eba\u4e00\u5e74\u8981\u591a\u4ed8 3,000 \u591a\u5143\uff1b\u6539\u7528\u7a05\u6536\u652f\u61c9\uff0c\u6bcf\u500b\u5bb6\u5ead\u4e00\u5e74\u591a\u4ed8 8,000 \u591a\u5143<sup>[20]<\/sup>\uff1b\u91ab\u754c\u5718\u9ad4\u4e5f\u64d4\u5fc3\u4fee\u6cd5\u6c92\u6709\u6307\u660e\u7a69\u5b9a\u8ca1\u6e90\uff0c\u6700\u5f8c\u7531\u5065\u4fdd\u57fa\u91d1\u627f\u64d4<sup>[19]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5c0d 65 \u6b72\u4ee5\u4e0a\u3001\u6b63\u5728\u7e73\u5065\u4fdd\u8cbb\u7684\u4eba\uff0c\u73fe\u5728\u8981\u77e5\u9053\u7684\u662f\u4e09\u4ef6\u4e8b\uff1a<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e00\uff0c\u73fe\u5728\u9084\u4e0d\u80fd\u505c\u7e73\uff1a\u4e09\u8b80\u4e0d\u7b49\u65bc\u4e0a\u8def\uff0c\u8981\u7b49\u7e3d\u7d71\u516c\u5e03\u3001\u78ba\u5b9a\u65bd\u884c\u65e5\u671f\uff0c\u4e3b\u7ba1\u6a5f\u95dc\u4e5f\u8981\u8a02\u51fa\u600e\u9ebc\u5be9\u6838\u3001\u600e\u9ebc\u6263\u6e1b\uff1b\u5728\u90a3\u4e4b\u524d\uff0c\u4fdd\u8cbb\u7167\u539f\u672c\u7684\u6295\u4fdd\u8eab\u5206\u7e7c\u7e8c\u7e73\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e8c\uff0c\u4e0d\u8981\u56e0\u6b64\u9000\u4fdd\uff1a\u4e0d\u7ba1\u662f\u73fe\u884c\u7684\u7e23\u5e02\u88dc\u52a9\u9084\u662f\u5c07\u4f86\u7684\u4e2d\u592e\u88dc\u52a9\uff0c\u90fd\u662f\u5e6b\u4f60\u4ed8\uff0c\u524d\u63d0\u662f\u4f60\u6709\u5728\u4fdd\uff1b\u5148\u9000\u4fdd\u7b49\u88dc\u52a9\uff0c\u53ea\u6703\u8b8a\u6210\u65b7\u4fdd\u3001\u4e4b\u5f8c\u88dc\u7e73\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e09\uff0c\u6236\u7c4d\u5730\u7684\u7e23\u5e02\u88dc\u52a9\u7167\u820a\uff1a\u65b0\u5236\u65bd\u884c\u524d\uff0c\u5404\u7e23\u5e02\u7684\u9577\u8005\u88dc\u52a9\u7e7c\u7e8c\u9069\u7528\uff0c\u689d\u4ef6\u548c\u91d1\u984d\u7167\u6236\u7c4d\u5730\u73fe\u884c\u7684\u898f\u5b9a\u3002<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/10\/13196_\u4e09\u8b80\u4e2d\u592e\u88dc\u52a9.png\" alt=\"65 \u6b72\u4ee5\u4e0a\u5065\u4fdd\u8cbb\u4e2d\u592e\u88dc\u52a9\u7684\u5224\u65b7\u6d41\u7a0b\u8207\u9032\u5ea6\uff1a\u5e74\u6eff 65 \u6b72\u4e14\u6700\u8fd1 1 \u5e74\u7d9c\u5408\u6240\u5f97\u672a\u9054\u7533\u5831\u6a19\u6e96\u6216\u7a05\u7387\u672a\u9054 20%\uff0c\u65bd\u884c\u5f8c\u7531\u4e2d\u592e\u88dc\u52a9\uff1b\u9032\u5ea6\u505c\u5728 2026 \u5e74 10 \u6708 16 \u65e5\u7acb\u6cd5\u9662\u4e09\u8b80\uff0c\u9084\u6c92\u5230\u7e3d\u7d71\u516c\u5e03\u3001\u8a02\u65bd\u884c\u65e5\u671f\u8207\u958b\u59cb\u88dc\u52a9\uff0c\u8d70\u5b8c\u4e4b\u524d\u7167\u539f\u8eab\u5206\u7e73\u3001\u4e0d\u8981\u9000\u4fdd\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u4e2d\u592e\u793e 2026-10-16\uff1b\u300a\u8001\u4eba\u798f\u5229\u6cd5\u300b\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406\uff0c\u689d\u6587\u516c\u5e03\u5f8c\u4ee5\u5168\u570b\u6cd5\u898f\u8cc7\u6599\u5eab\u70ba\u6e96<\/p>\n\n<h2 class=\"wp-block-heading\">\u5168\u6c11\u5065\u4fdd\u662f\u4ec0\u9ebc\uff1f\u4e00\u5b9a\u8981\u53c3\u52a0\u55ce\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u5168\u6c11\u5065\u5eb7\u4fdd\u96aa\uff08National Health Insurance\uff0c\u7c21\u7a31\u5065\u4fdd\uff09\u662f 1995 \u5e74\u958b\u59cb\u5be6\u65bd\u7684\u793e\u6703\u4fdd\u96aa\uff08Social Insurance\uff09\uff0c\u5927\u5bb6\u6309\u898f\u5b9a\u7e73\u4fdd\u8cbb\uff0c\u96c6\u5408\u8d77\u4f86\u652f\u4ed8\u770b\u8a3a\u3001\u4f4f\u9662\u3001\u85e5\u54c1\u9019\u4e9b\u91ab\u7642\u8cbb\u7528\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u53c3\u52a0\u662f\u5f37\u5236\u7684\uff0c\u5728\u81fa\u7063\u8a2d\u6709\u6236\u7c4d\u3001\u53c3\u52a0\u524d 6 \u500b\u6708\u7e7c\u7e8c\u8a2d\u7c4d\u7684\u4eba\uff0c\u5c31\u8981\u53c3\u52a0\u5065\u4fdd\uff1b\u65b0\u751f\u5152\u51fa\u751f\u8a2d\u7c4d\u5c31\u7d0d\u5165\uff08\u300a\u5168\u6c11\u5065\u5eb7\u4fdd\u96aa\u6cd5\u300b\u7b2c 8 \u689d\uff09<sup>[3]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u88ab\u4fdd\u96aa\u4eba\u4f9d\u8077\u696d\u5206\u6210\u516d\u985e\uff08\u7b2c 10 \u689d\uff09\uff0c\u9000\u4f11\u524d\u5f8c\u6703\u78b0\u5230\u7684\u4e3b\u8981\u662f\u4e09\u985e\uff1a\u53d7\u50f1\u4e0a\u73ed\u7684\u7b2c\u4e00\u985e\u3001\u8077\u696d\u5de5\u6703\u7684\u7b2c\u4e8c\u985e\uff0c\u4ee5\u53ca\u6c92\u6709\u8077\u696d\u3001\u4e5f\u6c92\u6709\u4eba\u53ef\u4ee5\u4f9d\u9644\u6642\u6295\u4fdd\u7684\u7b2c\u516d\u985e\u5730\u5340\u4eba\u53e3\uff0c\u9019\u500b\u5206\u985e\u6c7a\u5b9a\u4e86\u4fdd\u8cbb\u7528\u54ea\u4e00\u500b\u6578\u5b57\u7b97\u3001\u81ea\u5df1\u4ed8\u5e7e\u6210\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u5065\u4fdd\u8cbb\u600e\u9ebc\u7b97\uff1f2026\u5e74\u5065\u4fdd\u8cbb\u8981\u591a\u5c11\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u4e0a\u73ed\u65cf\u548c\u4f9d\u9644\u5728\u4e0a\u73ed\u65cf\u5e95\u4e0b\u7684\u7737\u5c6c\uff0c\u5065\u4fdd\u8cbb\u9019\u6a23\u7b97\uff1a<\/p>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u6bcf\u6708\u81ea\u4ed8\u4fdd\u8cbb \uff1d \u6295\u4fdd\u91d1\u984d \u00d7 \u8cbb\u7387 5.17% \u00d7 \u81ea\u4ed8\u6bd4\u4f8b 30% \u00d7\uff081 \uff0b \u7737\u5c6c\u4eba\u6578\uff09\n\u7737\u5c6c\u8d85\u904e\u4e09\u53e3\uff0c\u4ee5\u4e09\u53e3\u8a08\uff08\u300a\u5168\u6c11\u5065\u5eb7\u4fdd\u96aa\u6cd5\u300b\u7b2c 18 \u689d\uff09<\/p>\n<\/blockquote>\n\n<p class=\"wp-block-paragraph\">2026 \u5e74 1 \u6708 1 \u65e5\u8d77\uff0c\u4e00\u822c\u4fdd\u96aa\u8cbb\u7387 5.17%\uff0c\u662f 2021 \u5e74 1 \u6708 1 \u65e5\u8d77\u9069\u7528\u7684\u8cbb\u7387\uff0c\u4eca\u5e74\u6c92\u6709\u8abf\u6574\uff1b\u6295\u4fdd\u91d1\u984d\u7b2c 1 \u7d1a 29,500 \u5143\uff0c\u96a8\u57fa\u672c\u5de5\u8cc7\u8abf\u6574\uff0c\u6700\u9ad8\u7b2c 58 \u7d1a 313,000 \u5143\uff0c2025 \u5e74\u8d77\u9069\u7528<sup>[1]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u96c7\u4e3b\u90a3\u4e00\u4efd\u53e6\u5916\u7528\u5e73\u5747\u7737\u53e3\u6578 0.56 \u4eba\u8a08\u7b97\uff0c\u96c7\u4e3b\u8ca0\u64d4\u672c\u4eba\u52a0 0.56 \u4eba\uff0c\u5408\u8a08 1.56 \u4eba\uff1b\u7b2c\u516d\u985e\u5730\u5340\u4eba\u53e3\u6bcf\u4eba\u6bcf\u6708 826 \u5143\uff0c\u662f\u5e73\u5747\u4fdd\u96aa\u8cbb 1,377 \u5143 \u00d7 60%\uff0c2021 \u5e74 1 \u6708 1 \u65e5\u8d77\u9069\u7528\uff08\u8cc7\u6599\u4f86\u6e90\uff1a\u885b\u751f\u798f\u5229\u90e8\u4e2d\u592e\u5065\u5eb7\u4fdd\u96aa\u7f72\u3008\u4fdd\u96aa\u8cbb\u8ca0\u64d4\u91d1\u984d\u8868\uff08\u4e09\uff09\u3009\uff0c2026 \u5e74 1 \u6708 1 \u65e5\u751f\u6548<sup>[1]<\/sup>\uff1b\u7b2c\u516d\u985e\u8a08\u7b97\u516c\u5f0f<sup>[2]<\/sup>\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5e73\u5747\u7737\u53e3\u6578\u5e38\u5e38\u88ab\u8aa4\u6703\uff0c\u5b83\u662f\u96c7\u4e3b\u90a3\u4e00\u4efd\u600e\u9ebc\u7b97\u7684\u53c3\u6578\uff0c\u4e0d\u7ba1\u54e1\u5de5\u5be6\u969b\u6709\u6c92\u6709\u7737\u5c6c\uff0c\u96c7\u4e3b\u90fd\u6309\u672c\u4eba\u52a0 0.56 \u4eba\u7e73\uff1b\u54e1\u5de5\u81ea\u5df1\u9019\u4e00\u4efd\uff0c\u9084\u662f\u7167\u5be6\u969b\u7737\u5c6c\u4eba\u6578\u7b97\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\uff1a\u6708\u85aa 45,000 \u5143\u7684\u4e0a\u73ed\u65cf\uff0c\u5c0d\u5230\u6295\u4fdd\u91d1\u984d\u7b2c 11 \u7d1a 45,800 \u5143\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u672c\u4eba\uff1a45,800 \u00d7 5.17% \u00d7 30% \uff1d 710.38\uff0c\u56db\u6368\u4e94\u5165 710 \u5143<\/li>\n<li>\u52a0\u4e00\u4f4d\u7737\u5c6c\uff1a710 \u00d7 2 \uff1d 1,420 \u5143<\/li>\n<li>\u96c7\u4e3b\u8ca0\u64d4\uff1a45,800 \u00d7 5.17% \u00d7 60% \u00d7 1.56 \uff1d 2,216 \u5143\uff08\u54e1\u5de5\u770b\u4e0d\u5230\uff0c\u4f46\u5b83\u5728\uff09<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\uff1a\u4f5c\u8005\u4f9d\u53c3\u8003\u6587\u737b\u6240\u5217\u8cbb\u7387\u8a08\u7b97\uff0c\u6578\u503c\u70ba\u5047\u8a2d\u60c5\u5883\uff1b\u5be6\u969b\u91d1\u984d\u4ee5\u5065\u4fdd\u7f72\u8ca0\u64d4\u91d1\u984d\u8868\u70ba\u6e96<\/p>\n\n<p class=\"wp-block-paragraph\">\u81ea\u4ed8\u6bd4\u4f8b\u4f9d\u8eab\u5206\u4e0d\u540c\uff1a<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u6295\u4fdd\u8eab\u5206<\/th>\n<th>\u81ea\u4ed8\u6bd4\u4f8b<\/th>\n<th>\u5176\u9918\u7531\u8ab0\u8ca0\u64d4<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u7b2c\u4e00\u985e\uff1a\u516c\u6c11\u71df\u4e8b\u696d\u53d7\u50f1\u8005<\/td>\n<td>30%<\/td>\n<td>\u96c7\u4e3b 60%\u3001\u653f\u5e9c 10%<\/td>\n<\/tr>\n<tr>\n<td>\u7b2c\u4e00\u985e\uff1a\u96c7\u4e3b\u3001\u81ea\u71df\u696d\u4e3b\u3001\u5c08\u9580\u8077\u696d\u81ea\u884c\u57f7\u696d\u8005<\/td>\n<td>100%<\/td>\n<td>\u7121<\/td>\n<\/tr>\n<tr>\n<td>\u7b2c\u4e8c\u985e\uff1a\u8077\u696d\u5de5\u6703\u6703\u54e1<\/td>\n<td>60%<\/td>\n<td>\u653f\u5e9c 40%<\/td>\n<\/tr>\n<tr>\n<td>\u7b2c\u4e94\u985e\uff1a\u4f4e\u6536\u5165\u6236<\/td>\n<td>0%<\/td>\n<td>\u653f\u5e9c 100%<\/td>\n<\/tr>\n<tr>\n<td>\u7b2c\u516d\u985e\uff1a\u5730\u5340\u4eba\u53e3<\/td>\n<td>60%<\/td>\n<td>\u653f\u5e9c 40%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u5065\u4fdd\u7f72\u3008\u4fdd\u96aa\u8cbb\u8ca0\u64d4\u6bd4\u7387\u3009<sup>[4]<\/sup><\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u516d\u985e\u6bd4\u8f03\u7279\u5225\uff0c\u4e0d\u770b\u6536\u5165\uff0c\u7528\u5168\u9ad4\u4fdd\u96aa\u5c0d\u8c61\u7684\u5e73\u5747\u4fdd\u96aa\u8cbb 1,377 \u5143\u7b97\uff0c\u6240\u4ee5\u4e0d\u7ba1\u4f60\u9000\u4f11\u524d\u6708\u85aa\u591a\u5c11\uff0c\u5230\u516c\u6240\u6295\u4fdd\u90fd\u662f\u540c\u4e00\u500b\u50f9\u9322\uff1a1,377 \u00d7 60% \uff1d 826.2\uff0c\u56db\u6368\u4e94\u5165 826 \u5143<sup>[2]<\/sup>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">65\u6b72\u4ee5\u4e0a\u5065\u4fdd\u514d\u8cbb\uff1f\u9084\u662f\u7d42\u8eab\u90fd\u8981\u7e73\u5065\u4fdd\u8cbb\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u7d42\u8eab\u90fd\u8981\u4fdd\uff0c\u5230\u76ee\u524d\u70ba\u6b62\u4e5f\u90fd\u8981\u7e73\uff1a\u5065\u4fdd\u6cd5\u88e1\u6c92\u6709\u5e74\u9f61\u514d\u7e73\u7684\u689d\u6587\uff0c\u4fdd\u8cbb\u662f\u8ddf\u8457\u6295\u4fdd\u8eab\u5206\u8d70\uff0c\u4e0d\u662f\u8ddf\u8457\u5e74\u7d00\u8d70\uff08\u6240\u4ee5\u300c\u5065\u4fdd\u7e73\u5230\u5e7e\u6b72\u300d\uff0c\u4e00\u76f4\u7e73\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">10 \u6708 16 \u65e5\u4e09\u8b80\u7684\u300a\u8001\u4eba\u798f\u5229\u6cd5\u300b\u7b2c 22 \u689d\u4e5f\u6c92\u6709\u6539\u9019\u4e00\u9ede\uff1a\u5b83\u662f\u7531\u4e2d\u592e\u5e6b\u7b26\u5408\u6240\u5f97\u9580\u6abb\u7684\u9577\u8005\u4ed8\u4fdd\u8cbb\uff0c\u9577\u8005\u9084\u662f\u8981\u6295\u4fdd\uff0c\u53ea\u662f\u4fdd\u8cbb\u6539\u7531\u653f\u5e9c\u51fa\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6703\u8b93\u4eba\u4ee5\u70ba\u514d\u7e73\u7684\uff0c\u662f\u88dc\u52a9\uff1a\u4e2d\u592e\u653f\u5e9c\u5c0d\u4f4e\u6536\u5165\u6236\u5168\u984d\u8ca0\u64d4\u4fdd\u8cbb\uff08\u7b2c\u4e94\u985e\uff0c\u7b2c 27 \u689d\uff09<sup>[3]<\/sup>\uff0c\u5c0d\u4e2d\u4f4e\u6536\u5165\u7684\u9577\u8005\u4e5f\u6709\u88dc\u52a9\uff1b\u5730\u65b9\u653f\u5e9c\u5247\u5404\u81ea\u8a02\u4e86 65 \u6b72\u4ee5\u4e0a\u9577\u8005\u7684\u5065\u4fdd\u8cbb\u88dc\u52a9\uff0c\u689d\u4ef6\u3001\u91d1\u984d\u3001\u8981\u4e0d\u8981\u7533\u8acb\u90fd\u4e0d\u4e00\u6a23\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u88dc\u52a9\u662f\u5e6b\u4f60\u4ed8\uff0c\u4e0d\u662f\u8b93\u4f60\u4e0d\u7528\u4fdd\uff0c\u5065\u4fdd\u7f72\u7279\u5225\u63d0\u9192\uff0c\u6709\u88dc\u52a9\u8cc7\u683c\u7684\u4eba\uff0c\u4e5f\u8981\u5148\u8fa6\u597d\u52a0\u4fdd\uff0c\u76f8\u95dc\u55ae\u4f4d\u624d\u80fd\u88dc\u52a9<sup>[5]<\/sup>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u9000\u4f11\u5f8c\u5065\u4fdd\u600e\u9ebc\u8655\u7406\uff1f\u5065\u4fdd\u4e00\u5b9a\u8981\u4f9d\u9644\u5b50\u5973\u6216\u914d\u5076\u55ce\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u9000\u4f11\u5f8c\u5065\u4fdd\u4e0d\u6703\u81ea\u52d5\u53d6\u6d88\uff0c\u4e5f\u4e0d\u6703\u81ea\u52d5\u8f49\u5230\u516c\u6240\uff1a<\/p>\n\n<p class=\"wp-block-paragraph\">\u5065\u4fdd\u6cd5\u7684\u898f\u5b9a\u662f\uff0c\u7b26\u5408\u7737\u5c6c\u8cc7\u683c\u7684\u4eba\uff0c\u300c\u61c9\u96a8\u540c\u88ab\u4fdd\u96aa\u4eba\u300d\u8fa6\u7406\u6295\u4fdd\uff08\u7b2c 12 \u689d\uff09<sup>[3]<\/sup>\uff0c\u800c\u88ab\u4fdd\u96aa\u4eba\u7684\u76f4\u7cfb\u8840\u89aa\u5c0a\u89aa\u5c6c\u3001\u6c92\u6709\u8077\u696d\u7684\uff0c\u5c31\u7b26\u5408\u7737\u5c6c\u8cc7\u683c\uff08\u7b2c 2 \u689d\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u9000\u4f11\u3001\u6c92\u6709\u5de5\u4f5c\u7684\u7236\u6bcd\uff0c\u5982\u679c\u6709\u5b50\u5973\u6b63\u5728\u4fdd\u5065\u4fdd\uff0c\u539f\u5247\u4e0a\u5c31\u8981\u4f9d\u9644\u5b50\u5973\uff0c\u4e0d\u662f\u81ea\u5df1\u9078\u8981\u4e0d\u8981\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u68d2\u6b21\u662f\u9019\u6a23\u6392\u7684<sup>[5]<\/sup>\uff1a<\/p>\n\n<ol class=\"wp-block-list\">\n<li>\u914d\u5076\uff0c\u6216\u4e00\u89aa\u7b49\u76f4\u7cfb\u8840\u89aa\uff08\u5b50\u5973\uff09\uff1a\u5982\u679c\u914d\u5076\u9084\u5728\u4e0a\u73ed\u3001\u5b50\u5973\u4e5f\u5728\u4e0a\u73ed\uff0c\u5169\u8005\u540c\u4e00\u9806\u4f4d\uff0c\u64c7\u4e00\u4f9d\u9644<\/li>\n<li>\u4e8c\u89aa\u7b49\u76f4\u7cfb\u8840\u89aa\uff08\u5b6b\u5b50\u5973\uff09\uff1a\u6c92\u6709\u914d\u5076\u6216\u5b50\u5973\u53ef\u4ee5\u4f9d\u9644\u6642<\/li>\n<li>\u4e09\u89aa\u7b49\u4ee5\u4e0a\u76f4\u7cfb\u8840\u89aa\uff08\u66fe\u5b6b\u5b50\u5973\uff09<\/li>\n<li>\u4ee5\u4e0a\u90fd\u6c92\u6709\uff0c\u624d\u4ee5\u7b2c\u516d\u985e\u5730\u5340\u4eba\u53e3\u8eab\u5206\uff0c\u5230\u6236\u7c4d\u5730\u516c\u6240\u6295\u4fdd<\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">\u5065\u4fdd\u7f72\u8209\u904e\u4e00\u500b\u4f8b\u5b50\uff1a\u4e00\u5c0d\u9000\u4f11\u592b\u59bb\u4ee5\u70ba\u6c92\u6709\u5de5\u4f5c\u5c31\u6703\u81ea\u52d5\u8f49\u6210\u5730\u5340\u4eba\u53e3\uff0c\u6536\u5230\u300c\u672a\u5728\u4fdd\u901a\u77e5\u300d\u624d\u53bb\u516c\u6240\u8fa6\uff0c\u627f\u8fa6\u4eba\u54e1\u4e00\u67e5\uff0c\u592b\u59bb\u6709\u5169\u540d\u5b50\u5973\u5728\u5916\u7e23\u5e02\u5de5\u4f5c\uff0c\u61c9\u8a72\u4f9d\u9644\u5b50\u5973\uff0c\u65bc\u662f\u8acb\u4ed6\u5011\u806f\u7d61\u5176\u4e2d\u4e00\u540d\u5b50\u5973\uff0c\u7531\u5b50\u5973\u7684\u516c\u53f8\u8fa6\u7406\u52a0\u4fdd<sup>[5]<\/sup>\u3002<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/10\/\u9000\u4f11\u5f8c\u5065\u4fdd\u6295\u4fdd\u6d41\u7a0b.png\" alt=\"\u9000\u4f11\u5f8c\u5065\u4fdd\u6295\u4fdd\u8eab\u5206\u9078\u64c7\u6d41\u7a0b\uff1a\u5148\u770b\u662f\u5426\u518d\u5c31\u696d\uff0c\u518d\u770b\u914d\u5076\u3001\u5b50\u5973\u3001\u5b6b\u5b50\u5973\u662f\u5426\u5728\u8077\u6295\u4fdd\uff0c\u90fd\u6c92\u6709\u624d\u5230\u516c\u6240\u4ee5\u7b2c\u516d\u985e\u6295\u4fdd\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u6709\u4e09\u7a2e\u60c5\u6cc1\u5e38\u88ab\u554f\u5230\uff1a<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e00\uff0c\u516c\u5a46\u3001\u5cb3\u7236\u6bcd\u4e0d\u80fd\u4f9d\u9644\u5ab3\u5a66\u6216\u5973\u5a7f\uff0c\u59fb\u89aa\u4e0d\u5728\u7737\u5c6c\u7bc4\u570d\u5167\uff0c\u8981\u4f9d\u9644\u81ea\u5df1\u7684\u5b50\u5973\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e8c\uff0c\u592b\u59bb\u5169\u4eba\u90fd\u9000\u4f11\uff0c\u53ef\u4ee5\u4e00\u8d77\u4f9d\u9644\u540c\u4e00\u500b\u5b50\u5973\uff0c\u5169\u4eba\u90fd\u7b97\u9019\u500b\u5b50\u5973\u7684\u7737\u5c6c\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e09\uff0c\u5b50\u5973\u4e0d\u53ea\u4e00\u500b\uff0c\u540c\u4e00\u9806\u4f4d\u53ef\u4ee5\u64c7\u4e00\uff1b\u9078\u8ab0\u6703\u5f71\u97ff\u4fdd\u8cbb\uff0c\u5b50\u5973\u7684\u6295\u4fdd\u91d1\u984d\u8d8a\u9ad8\uff0c\u7737\u5c6c\u7684\u4fdd\u8cbb\u4e5f\u8d8a\u9ad8\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5916\u4e5f\u6709\uff1a\u906d\u53d7\u5bb6\u5ead\u66b4\u529b\u7b49\u96e3\u4ee5\u96a8\u540c\u6295\u4fdd\u7684\u60c5\u5f62\uff0c\u7d93\u4e3b\u7ba1\u6a5f\u95dc\u8a8d\u5b9a\uff0c\u53ef\u4ee5\u4e0d\u96a8\u540c\uff08\u7b2c 12 \u689d\uff09\u3002<\/p>\n\n\n<div class=\"wp-block-group alpha-cta alpha-cta-mid alpha-cta-retire has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-left-color:#006ece;border-left-width:4px;background-color:#f3f7fb;padding:16px 20px\">\n<p class=\"wp-block-paragraph\"><strong>\u770b\u5b8c\u898f\u5b9a\uff0c\u9084\u662f\u4e0d\u78ba\u5b9a\u81ea\u5df1\u7684\u9000\u4f11\u91d1\u5920\u4e0d\u5920\u7528\uff1f<\/strong><\/p>\n\n\n<div class=\"wp-block-buttons is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-7b4500cd wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/urli.ai\/line\/XpZpxkKi\" style=\"border-radius:50px;color:#ffffff;background-color:#00b900;border:2px solid #00b900;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.234), 17px);line-height:1.4;padding:10px 26px\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u52a0 LINE\uff0c\u9867\u554f\u5e6b\u4f60\u770b\u9000\u4f11\u7f3a\u53e3<\/strong><\/a><\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">65\u6b72\u9000\u4f11\u5f8c\u5065\u4fdd\u8cbb\u6bcf\u500b\u6708\u8981\u7e73\u591a\u5c11\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u7528\u5e7e\u7a2e\u8655\u5883\u8a66\u7b97\uff0c\u5047\u8a2d\u90fd\u662f\u592b\u59bb\u5169\u4eba\u300165 \u6b72\u9000\u4f11\u3001\u6c92\u6709\u4efb\u4f55\u88dc\u52a9\uff1a<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u8655\u5883<\/th>\n<th>\u600e\u9ebc\u4fdd<\/th>\n<th>\u6bcf\u6708\u5065\u4fdd\u8cbb\uff08\u5169\u4eba\u5408\u8a08\uff09<\/th>\n<th>\u7b97\u5f0f<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>A \u4f9d\u9644\u5b50\u5973\uff0c\u5b50\u5973\u6295\u4fdd 45,800 \u5143<\/td>\n<td>\u5169\u4eba\u90fd\u662f\u5b50\u5973\u7684\u7737\u5c6c<\/td>\n<td>1,420 \u5143<\/td>\n<td>710 \u00d7 2<\/td>\n<\/tr>\n<tr>\n<td>B \u4f9d\u9644\u5b50\u5973\uff0c\u5b50\u5973\u6295\u4fdd 29,500 \u5143<\/td>\n<td>\u5169\u4eba\u90fd\u662f\u5b50\u5973\u7684\u7737\u5c6c<\/td>\n<td>916 \u5143<\/td>\n<td>458 \u00d7 2<\/td>\n<\/tr>\n<tr>\n<td>C \u4f9d\u9644\u5b50\u5973\uff0c\u5b50\u5973\u6295\u4fdd 105,600 \u5143<\/td>\n<td>\u5169\u4eba\u90fd\u662f\u5b50\u5973\u7684\u7737\u5c6c<\/td>\n<td>3,276 \u5143<\/td>\n<td>1,638 \u00d7 2<\/td>\n<\/tr>\n<tr>\n<td>D \u6c92\u6709\u5b50\u5973\u53ef\u4f9d\u9644<\/td>\n<td>\u516c\u6240\u7b2c\u516d\u985e\uff0c\u914d\u5076\u7576\u7737\u5c6c<\/td>\n<td>1,652 \u5143<\/td>\n<td>826 \u00d7\uff081 \uff0b 1\uff09<\/td>\n<\/tr>\n<tr>\n<td>E \u55ae\u8eab\u3001\u6c92\u6709\u5b50\u5973\u53ef\u4f9d\u9644<\/td>\n<td>\u516c\u6240\u7b2c\u516d\u985e<\/td>\n<td>826 \u5143<\/td>\n<td>826 \u00d7 1<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u5065\u4fdd\u7f72\u4fdd\u96aa\u8cbb\u8ca0\u64d4\u91d1\u984d\u8868\uff08\u4e09\uff09\u3001\uff08\u4e03\uff09<sup>[1][6]<\/sup><\/p>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\uff1a\u4f5c\u8005\u4f9d\u53c3\u8003\u6587\u737b\u6240\u5217\u8cbb\u7387\u8a08\u7b97\uff0c\u6578\u503c\u70ba\u5047\u8a2d\u60c5\u5883\uff1b\u4fdd\u8cbb\u7531\u5b50\u5973\u7684\u6295\u4fdd\u55ae\u4f4d\u5f9e\u5b50\u5973\u85aa\u8cc7\u6263\u7e73<\/p>\n\n<p class=\"wp-block-paragraph\">\u591a\u6578\u4eba\u6c92\u60f3\u5230\u7684\u662f\uff0c\u4f9d\u9644\u5b50\u5973\u4e0d\u4e00\u5b9a\u6bd4\u8f03\u4fbf\u5b9c\uff1a\u8655\u5883 C \u7684\u5b50\u5973\u6536\u5165\u9ad8\uff0c\u5169\u4f4d\u7236\u6bcd\u4f9d\u9644\u5f8c\u6bcf\u6708 3,276 \u5143\uff0c\u6bd4\u53bb\u516c\u6240\u7684 1,652 \u5143\u591a\u4e86 1,624 \u5143\uff1b\u4e0d\u904e\u4f9d\u6cd5\u6709\u5b50\u5973\u53ef\u4ee5\u4f9d\u9644\u5c31\u8981\u4f9d\u9644\uff0c\u4e0d\u80fd\u56e0\u70ba\u516c\u6240\u6bd4\u8f03\u4fbf\u5b9c\u5c31\u6539\u53bb\u516c\u6240\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u80fd\u9078\u7684\uff0c\u662f\u4f9d\u9644\u54ea\u4e00\u500b\u5b50\u5973\uff1a\u5047\u8a2d C \u5bb6\u9084\u6709\u4e00\u500b\u5b50\u5973\u6295\u4fdd 45,800 \u5143\uff0c\u6539\u4f9d\u9644\u4ed6\uff0c\u6bcf\u6708 1,420 \u5143\uff0c\u6bd4 3,276 \u5143\u5c11 1,856 \u5143\uff0c\u4e00\u5e74\u5dee 1,856 \u00d7 12 \uff1d 22,272 \u5143\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9084\u6709\u4e00\u500b\u5e38\u88ab\u5ffd\u7565\u7684\u4e0a\u9650\uff1a\u7737\u5c6c\u8d85\u904e\u4e09\u53e3\uff0c\u4ee5\u4e09\u53e3\u8a08\uff0c\u5982\u679c\u5b50\u5973\u5df2\u7d93\u6709\u914d\u5076\u548c\u5169\u500b\u5c0f\u5b69\u7576\u7737\u5c6c\uff08\u4e09\u53e3\uff09\uff0c\u518d\u52a0\u4e0a\u5169\u4f4d\u7236\u6bcd\uff0c\u5b50\u5973\u8981\u7e73\u7684\u4fdd\u8cbb\u4e0d\u6703\u518d\u589e\u52a0\uff0c\u4e94\u4f4d\u7737\u5c6c\u4ecd\u6309\u4e09\u53e3\u7b97<sup>[3]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5065\u4fdd\u8cbb\u662f\u9000\u4f11\u5f8c\u5c11\u6578\u7b97\u5f97\u6e96\u7684\u56fa\u5b9a\u652f\u51fa\uff0c\u52a0\u9032\u6bcf\u6708\u751f\u6d3b\u8cbb\u3001\u6263\u6389\u52de\u4fdd\u52de\u9000\u6708\u9818\uff0c\u5269\u4e0b\u7684\u5c31\u662f\u7f3a\u53e3\uff0c<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4614\">\u9000\u4f11\u898f\u5283\u5148\u7b97\u7f3a\u53e3<\/a>\u6709 40\u300150 \u6b72\u9000\u4f11\u7684\u8a66\u7b97\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u5065\u4fdd\u4f9d\u9644\u7737\u5c6c\u5212\u7b97\u55ce\uff1f\u4e0d\u60f3\u4f9d\u9644\u600e\u9ebc\u8fa6\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u591a\u6578\u60c5\u6cc1\u5212\u7b97\uff0c\u8655\u5883 A\u3001B \u90fd\u6bd4\u516c\u6240\u4fbf\u5b9c\uff0c\u539f\u56e0\u662f\u5b50\u5973\u6295\u4fdd\u91d1\u984d\u4e0d\u9ad8\u6642\uff0c\u6bcf\u4f4d\u7737\u5c6c\u7684\u4fdd\u8cbb\u4f4e\u65bc 826 \u5143\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5206\u754c\u9ede\u5927\u7d04\u5728\u5b50\u5973\u6295\u4fdd\u91d1\u984d 53,000 \u5143\uff0c\u518d\u4e0a\u4e00\u7d1a 55,400 \u5143\uff0c\u6bcf\u4f4d\u7737\u5c6c\u7684\u4fdd\u8cbb\u5c31\u958b\u59cb\u6bd4\u516c\u6240\u8cb4\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\uff1a\u4f5c\u8005\u4f9d\u53c3\u8003\u6587\u737b\u6240\u5217\u8cbb\u7387\u8a08\u7b97<sup>[1]<\/sup><\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/10\/13196_\u4f9d\u9644\u8207\u516c\u6240\u5206\u754c.png\" alt=\"\u6bcf\u4f4d\u4f9d\u9644\u9577\u8f29\u7684\u6708\u5065\u4fdd\u8cbb\u96a8\u5b50\u5973\u6295\u4fdd\u91d1\u984d\u4e0a\u5347\u7684\u6298\u7dda\uff0c\u8207\u516c\u6240\u7b2c\u516d\u985e\u6bcf\u4eba 826 \u5143\u7684\u6c34\u5e73\u7dda\u6bd4\u8f03\uff1b\u5b50\u5973\u6295\u4fdd 29,500 \u5143\u6642 458 \u5143\u300145,800 \u5143\u6642 710 \u5143\uff0c\u7d04 53,000 \u5143\u6642 822 \u5143\u63a5\u8fd1\u5206\u754c\uff0c55,400 \u5143\u6642 859 \u5143\u958b\u59cb\u6bd4\u516c\u6240\u8cb4\uff0c105,600 \u5143\u6642 1,638 \u5143\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u885b\u751f\u798f\u5229\u90e8\u4e2d\u592e\u5065\u5eb7\u4fdd\u96aa\u7f72\u4fdd\u96aa\u8cbb\u8ca0\u64d4\u91d1\u984d\u8868\uff08\u4e09\uff09\u3001\uff08\u4e03\uff09\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u8a66\u7b97\uff0c\u6709\u5b50\u5973\u53ef\u4f9d\u9644\u4ecd\u61c9\u4f9d\u9644<\/p>\n\n<h3 class=\"wp-block-heading\">\u5065\u4fdd\u4e0d\u60f3\u4f9d\u9644\u5b50\u5973\u600e\u9ebc\u505a\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u9577\u8f29\u4e0d\u60f3\u4f9d\u9644\uff0c\u7406\u7531\u591a\u534a\u4e0d\u662f\u9322\uff0c\u662f\u4e0d\u60f3\u8b93\u5b50\u5973\u7684\u85aa\u8cc7\u55ae\u4e0a\u591a\u4e00\u7b46\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7167\u898f\u5b9a\uff0c\u6709\u5b50\u5973\u5728\u4fdd\uff0c\u539f\u5247\u4e0a\u5c31\u8981\u4f9d\u9644\uff0c\u80fd\u8abf\u6574\u7684\u7a7a\u9593\u662f\u9019\u5e7e\u500b\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u63db\u4e00\u500b\u4f9d\u9644\u5c0d\u8c61\uff1a\u914d\u5076\u9084\u5728\u4e0a\u73ed\u7684\u8a71\uff0c\u53ef\u4ee5\u4f9d\u9644\u914d\u5076\uff1b\u5b50\u5973\u4e0d\u53ea\u4e00\u500b\uff0c\u53ef\u4ee5\u9078\u53e6\u4e00\u500b\u5b50\u5973<\/li>\n<li>\u81ea\u5df1\u9084\u5728\u5de5\u4f5c\uff1a65 \u6b72\u4ee5\u5f8c\u518d\u5c31\u696d\u6216\u517c\u5dee\uff0c\u7531\u516c\u53f8\u4ee5\u7b2c\u4e00\u985e\u6295\u4fdd\uff0c\u5c31\u4e0d\u662f\u7737\u5c6c\u4e86<\/li>\n<li>\u771f\u7684\u5f9e\u4e8b\u67d0\u500b\u8077\u696d\uff1a\u4f8b\u5982\u5be6\u969b\u63a5\u6848\u7684\u8a2d\u8a08\u3001\u5beb\u4f5c\u3001\u6280\u85dd\u5de5\u4f5c\uff0c\u53ef\u4ee5\u900f\u904e\u8a72\u8077\u696d\u7684\u8077\u696d\u5de5\u6703\u4ee5\u7b2c\u4e8c\u985e\u6295\u4fdd\uff0c\u81ea\u4ed8 60%\uff1b\u4ee5\u6700\u4f4e\u6295\u4fdd\u91d1\u984d\u7b97\uff0c29,500 \u00d7 5.17% \u00d7 60% \u2248 915 \u5143\uff0c\u6bd4\u516c\u6240\u7684 826 \u5143\u9084\u8cb4<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u52a0\u5165\u8077\u696d\u5de5\u6703\u7684\u524d\u63d0\u662f\u771f\u7684\u5f9e\u4e8b\u90a3\u500b\u8077\u696d\uff0c\u4e0d\u662f\u70ba\u4e86\u4fdd\u5065\u4fdd\u53bb\u639b\u540d\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u662f\u9322\u7684\u8003\u91cf\uff0c\u5b50\u5973\u90a3\u7b46\u9322\u4e5f\u4e0d\u662f\u767d\u7e73\uff1a\u5b50\u5973\u7533\u5831\u6276\u990a\u7236\u6bcd\u3001\u9078\u64c7\u5217\u8209\u6263\u9664\u6642\uff0c\u70ba\u7236\u6bcd\u7e73\u7684\u5065\u4fdd\u8cbb\u53ef\u4ee5\u5217\u5165\u4fdd\u96aa\u8cbb\uff0c\u800c\u4e14\u5065\u4fdd\u8cbb\u4e0d\u53d7\u6bcf\u4eba\u6bcf\u5e74 24,000 \u5143\u7684\u9650\u5236\uff08\u300a\u6240\u5f97\u7a05\u6cd5\u300b\u7b2c 17 \u689d\uff09<sup>[7]<\/sup>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u5340\u516c\u6240\u5065\u4fdd\u8cbb\u4e00\u500b\u6708\u591a\u5c11\uff1f\u53bb\u516c\u6240\u6295\u4fdd\u8981\u5e36\u4ec0\u9ebc\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u5148\u8b1b\u9322\uff1a\u5230\u516c\u6240\u4ee5\u7b2c\u516d\u985e\u6295\u4fdd\uff0c\u6bcf\u4eba\u6bcf\u6708 826 \u5143\uff0c\u914d\u5076\u7576\u7737\u5c6c\u518d\u52a0 826 \u5143\uff0c\u592b\u59bb\u5408\u8a08 1,652 \u5143\uff0c\u7737\u5c6c\u6700\u591a\u7b97\u5230\u4e09\u53e3\uff0c\u672c\u4eba\u52a0\u4e09\u53e3\u662f 3,304 \u5143<sup>[6]<\/sup>\uff1b\u9019\u500b\u91d1\u984d\u4e0d\u770b\u9000\u4f11\u524d\u7684\u85aa\u6c34\uff0c\u4e5f\u4e0d\u770b\u5b58\u6b3e\u591a\u5c11\uff1b\u6236\u7c4d\u5730\u5982\u679c\u6709\u9577\u8005\u88dc\u52a9\uff0c\u518d\u5f9e\u9019\u88e1\u6263\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8981\u5e36\u7684\u6771\u897f\u5f88\u7c21\u55ae\uff0c\u6e96\u5099\u9019\u4e09\u6a23\u5c31\u597d\uff1a<\/p>\n\n<ol class=\"wp-block-list\">\n<li>\u6236\u53e3\u540d\u7c3f\u3001\u6236\u7c4d\u8b04\u672c\u6216\u8eab\u5206\u8b49<\/li>\n<li>\u5370\u7ae0\u6216\u7c3d\u540d<\/li>\n<li>\u539f\u4f86\u6295\u4fdd\u55ae\u4f4d\u7d66\u7684\u8f49\u51fa\u55ae\uff08\u9000\u4fdd\u8b49\u660e\uff09<\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">\u6709\u7279\u6b8a\u8eab\u5206\uff08\u50cf\u69ae\u6c11\u3001\u5916\u570b\u4eba\u6216\u8eab\u5fc3\u969c\u7919\u8005\uff09\uff0c\u8a18\u5f97\u5e36\u76f8\u95dc\u8b49\u660e\uff0c\u4f8b\u5982\u69ae\u6c11\u8b49\u3001\u5c45\u7559\u8b49\u6216\u8eab\u5fc3\u969c\u7919\u8b49\u660e\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u516d\u985e\u7684\u6295\u4fdd\u55ae\u4f4d\u5c31\u662f\u6236\u7c4d\u5730\u7684\u9109\uff08\u93ae\u3001\u5e02\u3001\u5340\uff09\u516c\u6240\uff0c\u53ef\u4ee5\u672c\u4eba\u53bb\u8fa6\uff0c\u4e5f\u53ef\u4ee5\u59d4\u8a17\u4ed6\u4eba\uff1b\u4e0d\u78ba\u5b9a\u7684\u8a71\uff0c\u5148\u6253\u96fb\u8a71\u554f\u516c\u6240\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9084\u6c92\u6eff 65 \u6b72\u3001\u4e5f\u9084\u6c92\u9818\u904e\u52de\u4fdd\u8001\u5e74\u7d66\u4ed8\u7684\u4eba\uff0c\u96e2\u8077\u6c92\u6709\u5de5\u4f5c\uff0c\u901a\u5e38\u6703\u540c\u6642\u6536\u5230\u5065\u4fdd\u548c\u570b\u4fdd\u5169\u5f35\u7e73\u6b3e\u55ae\uff0c\u5169\u5f35\u662f\u4e0d\u540c\u7684\u4fdd\u96aa\uff0c\u90fd\u8981\u7e73\uff1b\u570b\u4fdd\u7e73\u5e7e\u5e74\u300165 \u6b72\u80fd\u9818\u591a\u5c11\uff0c\u5728<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14446\">\u570b\u6c11\u5e74\u91d1\u4e00\u500b\u6708\u9818\u591a\u5c11\uff1f2026 \u7e73 1\uff5e40 \u5e74\u8a66\u7b97\u5c0d\u7167\u8868<\/a>\u6709\u9010\u5e74\u7684\u5c0d\u7167\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u5065\u4fdd\u7236\u6bcd\u4f9d\u9644\u5b50\u5973\u600e\u9ebc\u7533\u8acb\uff1f<\/h2>\n\n<p 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class=\"wp-block-paragraph\">\u5b50\u5973\u5411\u516c\u53f8\u4eba\u4e8b\u6216\u7e3d\u52d9\u7533\u8acb\uff0c\u516c\u53f8\u586b\u52a0\u4fdd\u7533\u5831\u8868\u9001\u5065\u4fdd\u7f72\uff1b\u5b50\u5973\u5982\u679c\u662f\u5728\u8077\u696d\u5de5\u6703\u6295\u4fdd\uff0c\u5c31\u5411\u5de5\u6703\u7533\u8acb\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8fa6\u5b8c\u53ef\u4ee5\u7528\u300c\u5065\u4fdd\u5feb\u6613\u901a\u300dAPP \u7684\u300c\u5065\u4fdd\u6ac3\u6aaf\u300d\u67e5\u6295\u4fdd\u7d00\u9304\uff0c\u78ba\u8a8d\u6709\u6c92\u6709\u63a5\u4e0a<sup>[5]<\/sup>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u9000\u4f11\u5f8c\u4ec0\u9ebc\u6642\u5019\u8981\u958b\u59cb\u81ea\u5df1\u6295\u4fdd\u5065\u4fdd\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u9000\u4f11\u624b\u7e8c\u8fa6\u5b8c\uff0c\u516c\u53f8\u6703\u5728 3 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class=\"wp-block-paragraph\">\u8209\u500b\u5e38\u898b\u7684\u4f8b\u5b50\uff1a\u5f35\u5148\u751f\u5feb\u9000\u4f11\u4e86\uff0c\u4ed6\u8ddf\u592a\u592a\u7684\u5065\u4fdd\u8cbb\u539f\u672c\u90fd\u662f\u516c\u53f8\u6263\u7684\uff08\u592a\u592a\u662f\u4ed6\u7684\u7737\u5c6c\uff09\uff0c\u4ed6\u64d4\u5fc3\u9000\u4f11\u5f8c\u5065\u4fdd\u6c92\u63a5\u4e0a\uff0c\u6bcf\u500b\u6708\u7684\u6162\u6027\u75c5\u85e5\u6703\u65b7\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7167\u9806\u5e8f\uff0c\u5148\u770b\u6709\u6c92\u6709\u5b50\u5973\u5728\u4fdd\uff1a\u5973\u5152\u5728\u4e0a\u73ed\uff0c\u6240\u4ee5\u592b\u59bb\u5169\u4eba\u90fd\u4f9d\u9644\u5973\u5152\uff1b\u5982\u679c\u5973\u5152\u7684\u6295\u4fdd\u91d1\u984d\u662f 45,800 \u5143\uff0c\u6bcf\u6708\u662f 710 \u00d7 2 \uff1d 1,420 \u5143\uff0c\u5f9e\u5973\u5152\u85aa\u6c34\u6263\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u9000\u4f11\u5f8c\u53c8\u53bb\u4e0a\u73ed\uff0c\u5065\u4fdd\u600e\u9ebc\u7e73\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">65 \u6b72\u4ee5\u5f8c\u518d\u5c31\u696d\uff0c\u5065\u4fdd\u5c31\u8ddf\u8457\u65b0\u5de5\u4f5c\u8d70\uff0c\u65b0\u516c\u53f8\u6703\u4ee5\u7b2c\u4e00\u985e\u5e6b\u4f60\u6295\u4fdd\uff0c\u4fdd\u8cbb\u6309\u4f60\u7684\u65b0\u85aa\u8cc7\u5c0d\u61c9\u7684\u6295\u4fdd\u91d1\u984d\u7b97\uff1b\u539f\u672c\u4f9d\u9644\u5b50\u5973\u6216\u5728\u516c\u6240\u6295\u4fdd\u7684\uff0c\u8981\u8f49\u51fa\u5230\u65b0\u516c\u53f8\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u662f\u81ea\u5df1\u63a5\u6848\u3001\u771f\u7684\u5f9e\u4e8b\u67d0\u500b\u8077\u696d\uff0c\u53ef\u4ee5\u900f\u904e\u8077\u696d\u5de5\u6703\u4ee5\u7b2c\u4e8c\u985e\u6295\u4fdd\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u517c\u5dee\u4f46\u5df2\u7d93\u5728\u5225\u7684\u5730\u65b9\u6295\u4fdd\u7684\u4eba\uff0c\u517c\u8077\u85aa\u8cc7\u55ae\u6b21\u9054\u57fa\u672c\u5de5\u8cc7 29,500 \u5143\u6642\uff0c\u8981\u6263\u88dc\u5145\u4fdd\u8cbb\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u5065\u4fdd\u5404\u7e23\u5e02\u88dc\u52a9\u4e00\u89bd\uff1a65\u6b72\u4ee5\u4e0a\u4e0d\u7528\u7e73\u5065\u4fdd\u8cbb\u8981\u600e\u9ebc\u8fa6\u7406\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">826 \u5143\u662f\u7b2c\u516d\u985e\u5730\u5340\u4eba\u53e3\u672c\u4eba\u6bcf\u6708\u81ea\u4ed8\u7684\u5065\u4fdd\u8cbb<sup>[6]<\/sup>\uff0c\u5404\u7e23\u5e02\u88dc\u52a9\u9577\u8005\u5065\u4fdd\u8cbb\uff0c\u591a\u534a\u5c31\u62ff\u5b83\u7576\u4e0a\u9650\uff1a\u9577\u8005\u81ea\u4ed8\u7684\u4fdd\u8cbb\u4f4e\u65bc 826 \u5143\uff0c\u7e73\u591a\u5c11\u88dc\u591a\u5c11\uff1b\u9ad8\u65bc 826 \u5143\uff0c\u8d85\u904e\u7684\u90e8\u5206\u81ea\u5df1\u4ed8\uff08\u4f9d\u9644\u9ad8\u85aa\u5b50\u5973\u7684\u9577\u8f29\u5e38\u662f\u9019\u7a2e\u60c5\u6cc1\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u88dc\u52a9\u5206\u5169\u5c64\uff0c\u4e00\u5c64\u662f\u5168\u570b\u90fd\u9069\u7528\u7684\u4e2d\u592e\u88dc\u52a9\uff0c\u53e6\u4e00\u5c64\u662f\u5404\u7e23\u5e02\u81ea\u5df1\u52a0\u78bc\uff1b\u7e23\u5e02\u52a0\u78bc\u7684\u5c0d\u8c61\u3001\u6240\u5f97\u689d\u4ef6\u548c\u91d1\u984d\uff0c\u5e7e\u4e4e\u6bcf\u5e74\u90fd\u6709\u7e23\u5e02\u5728\u6539\uff0c\u6700\u5f8c\u4e00\u5f8b\u4ee5\u6236\u7c4d\u5730\u653f\u5e9c\u7684\u516c\u544a\u70ba\u6e96\uff1b\u4e09\u8b80\u7684\u4e2d\u592e\u88dc\u52a9\u65bd\u884c\u5f8c\uff0c\u9019\u5169\u5c64\u6703\u600e\u9ebc\u8abf\u6574\uff0c\u8981\u770b\u885b\u798f\u90e8\u548c\u5404\u7e23\u5e02\u7684\u516c\u544a\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u5168\u570b\u90fd\u9069\u7528\u7684\u88dc\u52a9<\/h3>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u8eab\u5206<\/th>\n<th>\u5c0d\u8c61<\/th>\n<th>\u6392\u5bcc<\/th>\n<th>\u6bcf\u6708\u88dc\u52a9<\/th>\n<th>\u8981\u4e0d\u8981\u7533\u8acb<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u4f4e\u6536\u5165\u6236<\/td>\n<td>\u793e\u6703\u6551\u52a9\u6cd5\u8a8d\u5b9a\u7684\u4f4e\u6536\u5165\u6236\u6210\u54e1\uff0c\u4e0d\u9650\u5e74\u9f61<\/td>\n<td>\u4f9d\u4f4e\u6536\u5165\u6236\u8cc7\u683c\u5be9\u67e5<\/td>\n<td>\u5168\u984d\uff0c\u81ea\u4ed8 0 \u5143<\/td>\n<td>\u5148\u5411\u516c\u6240\u53d6\u5f97\u4f4e\u6536\u5165\u6236\u8cc7\u683c\uff0c\u4e4b\u5f8c\u4ee5\u7b2c\u4e94\u985e\u6295\u4fdd\uff0c\u4fdd\u8cbb\u7531\u653f\u5e9c\u8ca0\u64d4<\/td>\n<\/tr>\n<tr>\n<td>\u4e2d\u4f4e\u6536\u5165\u6236<\/td>\n<td>\u4e2d\u4f4e\u6536\u5165\u6236\u6210\u54e1<\/td>\n<td>\u4f9d\u4e2d\u4f4e\u6536\u5165\u6236\u8cc7\u683c\u5be9\u67e5<\/td>\n<td>\u81ea\u4ed8\u4fdd\u8cbb\u7684\u4e8c\u5206\u4e4b\u4e00<\/td>\n<td>\u5148\u5411\u516c\u6240\u53d6\u5f97\u4e2d\u4f4e\u6536\u5165\u6236\u8cc7\u683c<\/td>\n<\/tr>\n<tr>\n<td>70 \u6b72\u4ee5\u4e0a\u4e2d\u4f4e\u6536\u5165\u8001\u4eba<\/td>\n<td>\u5e74\u6eff 70 \u6b72\u3001\u7b26\u5408\u4e2d\u4f4e\u6536\u5165\u8001\u4eba\u8cc7\u683c<\/td>\n<td>\u4f9d\u4e2d\u4f4e\u6536\u5165\u8001\u4eba\u8cc7\u683c\u5be9\u67e5<\/td>\n<td>\u5168\u984d<\/td>\n<td>\u4e0d\u7528\u5411\u5065\u4fdd\u7f72\u7533\u8acb\uff0c\u7531\u88dc\u52a9\u55ae\u4f4d\u6bcf\u6708\u9001\u540d\u55ae<\/td>\n<\/tr>\n<tr>\n<td>\u96e2\u5cf6 65 \u6b72\u4ee5\u4e0a<\/td>\n<td>\u8a2d\u7c4d\u6f8e\u6e56\u3001\u91d1\u9580\u3001\u9023\u6c5f\u7b49\u96e2\u5cf6\u5730\u5340\u7684 65 \u6b72\u4ee5\u4e0a\u5c45\u6c11<\/td>\n<td>\u672a\u8a2d\u6240\u5f97\u689d\u4ef6<\/td>\n<td>\u5168\u984d<\/td>\n<td>\u4e0d\u7528\u5411\u5065\u4fdd\u7f72\u7533\u8acb<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u300a\u5168\u6c11\u5065\u5eb7\u4fdd\u96aa\u6cd5\u300b<sup>[3]<\/sup>\uff1b\u300a\u793e\u6703\u6551\u52a9\u6cd5\u300b<sup>[8]<\/sup>\uff1b\u5065\u4fdd\u7f72\u3008\u5404\u7d1a\u653f\u5e9c\u8fa6\u7406\u4fdd\u96aa\u5c0d\u8c61\u5065\u4fdd\u8cbb\u88dc\u52a9\u9805\u76ee\u4e00\u89bd\u8868\u3009\uff0c2026 \u5e74 9 \u6708 17 \u65e5\u66f4\u65b0<sup>[9]<\/sup>\uff1b\u300a\u96e2\u5cf6\u5efa\u8a2d\u689d\u4f8b\u300b<sup>[10]<\/sup><\/p>\n\n<p class=\"wp-block-paragraph\">65 \u5230 69 \u6b72\u7684\u4e2d\u4f4e\u6536\u5165\u8001\u4eba\uff0c\u4e2d\u592e\u6c92\u6709\u5168\u984d\u88dc\uff0c\u7531\u5404\u7e23\u5e02\u81ea\u5df1\u88dc\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u5404\u7e23\u5e02\u52a0\u78bc<\/h3>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u7e23\u5e02<\/th>\n<th>\u5c0d\u8c61<\/th>\n<th>\u6392\u5bcc<\/th>\n<th>\u6bcf\u6708\u88dc\u52a9<\/th>\n<th>\u8981\u4e0d\u8981\u7533\u8acb<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u81fa\u5317\u5e02<\/td>\n<td>65 \u6b72\u4ee5\u4e0a\uff08\u539f\u4f4f\u6c11 55 \u6b72\u4ee5\u4e0a\uff09\uff0c\u8a2d\u7c4d\u4e26\u5be6\u969b\u5c45\u4f4f\u6eff 1 \u5e74\uff0c\u6700\u8fd1 1 \u5e74\u4f4f\u570b\u5167\u6eff 183 \u5929\uff1b\u53e6\u542b 65\uff5e69 \u6b72\u4e2d\u4f4e\u6536\u5165\u8001\u4eba<\/td>\n<td>\u7d9c\u5408\u6240\u5f97\u7a05\u7387\u672a\u9054 20%<\/td>\n<td>\u6700\u9ad8 826 \u5143\uff0c\u4f4e\u65bc 826 \u5143\u6838\u5be6\u88dc\u52a9<\/td>\n<td>\u514d\u7533\u8acb\uff1b\u66fe\u56e0\u7a05\u7387\u6216\u4f4f\u570b\u5167\u5929\u6578\u88ab\u505c\u88dc\uff0c\u4e4b\u5f8c\u7b26\u5408\u8cc7\u683c\u53ef\u7533\u8acb\u6062\u5fa9<sup>[11]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u65b0\u5317\u5e02<\/td>\n<td>65 \u6b72\u4ee5\u4e0a\uff08\u539f\u4f4f\u6c11 55\uff5e64 \u6b72\uff09\uff0c\u9023\u7e8c\u8a2d\u7c4d\u6eff 1 \u5e74<\/td>\n<td>\u7b2c\u4e09\u3001\u516d\u985e\u6295\u4fdd\u4e14\u5bb6\u6236\u7a05\u7387 5% \u4ee5\u4e0b\u624d\u6709\u5168\u984d\u88dc\u52a9<\/td>\n<td>\u5168\u984d\u88dc\u52a9\u8005\u6700\u9ad8 826 \u5143\uff1b\u5176\u4ed6\u9577\u8005\u6539\u767c\u5b9a\u984d\u73fe\u91d1\uff0c\u6bcf\u5e74 3,324 \u5143\uff0865\uff5e79 \u6b72\uff09\u30014,000 \u5143\uff0880\uff5e89 \u6b72\uff09\u30011 \u842c\u5143\uff0890\uff5e99 \u6b72\uff09\u30012 \u842c\u5143\uff08100 \u6b72\u4ee5\u4e0a\uff09<\/td>\n<td>\u514d\u7533\u8acb\uff1b\u540d\u518a\u6709\u7570\u8b70\uff0c2026 \u5e74 12 \u6708 31 \u65e5\u524d\u5411\u793e\u6703\u5c40\u6216\u5340\u516c\u6240\u7533\u5fa9<sup>[12]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u81fa\u4e2d\u5e02<\/td>\n<td>65 \u6b72\u4ee5\u4e0a\uff08\u539f\u4f4f\u6c11 55 \u6b72\u4ee5\u4e0a\uff09\uff0c\u8a2d\u7c4d\u6eff 1 \u5e74<\/td>\n<td>\u7d9c\u5408\u6240\u5f97\u7a05\u7387 5% \u4ee5\u4e0b\u6216\u672a\u9054\u7533\u5831\u6a19\u6e96<\/td>\n<td>\u6700\u9ad8 826 \u5143\uff0c\u4f4e\u65bc 826 \u5143\u6838\u5be6\u88dc\u52a9<\/td>\n<td>\u514d\u7533\u8acb\uff0c\u793e\u6703\u5c40\u4e3b\u52d5\u5be9\u6838<sup>[13]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u9ad8\u96c4\u5e02<\/td>\n<td>65 \u6b72\u4ee5\u4e0a\uff0c\u8a2d\u7c4d\u6eff 1 \u5e74\u3001\u6700\u8fd1 1 \u5e74\u4f4f\u570b\u5167\u8d85\u904e 183 \u5929\uff1b\u53e6\u542b\u672a\u6eff 70 \u6b72\u4e2d\u4f4e\u6536\u5165\u8001\u4eba<\/td>\n<td>\u7a05\u7387 5% \u6216\u67e5\u7121\u5831\u7a05\u8cc7\u6599\uff1b\u9818\u8eab\u5fc3\u969c\u7919\u8b49\u660e\u8005\u653e\u5bec\u5230 12%<\/td>\n<td>\u6700\u9ad8 826 \u5143\uff0c\u81ea\u7b26\u5408\u8cc7\u683c\u6b21\u6708\u8d77<\/td>\n<td>\u514d\u7533\u8acb\uff1b\u7b26\u5408\u8cc7\u683c\u537b\u6c92\u88ab\u88dc\u5230\uff0c\u5230\u5340\u516c\u6240\u6216\u793e\u6703\u5c40\u8fa6\u6838\u9000<sup>[14]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u57fa\u9686\u5e02<\/td>\n<td>65 \u6b72\u4ee5\u4e0a\uff08\u539f\u4f4f\u6c11 55 \u6b72\u4ee5\u4e0a\uff09\uff0c\u8a2d\u7c4d\u6eff 3 \u5e74\u4e26\u5be6\u969b\u5c45\u4f4f<\/td>\n<td>\u516c\u544a\u672a\u5217\u6240\u5f97\u689d\u4ef6<\/td>\n<td>\u6700\u9ad8 826 \u5143\uff0c\u4f4e\u65bc 826 \u5143\u6838\u5be6\u88dc\u52a9<\/td>\n<td>\u8981\u7533\u8acb\uff1a\u5e36\u8eab\u5206\u8b49\u3001\u5370\u7ae0\u5230\u6236\u7c4d\u5730\u5340\u516c\u6240\u793e\u653f\u8ab2\uff0c\u6838\u51c6\u5f8c\u6b21\u6708\u8d77\u88dc\u52a9<sup>[15]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u6843\u5712\u5e02<\/td>\n<td>65 \u6b72\u4ee5\u4e0a\uff08\u539f\u4f4f\u6c11 55 \u6b72\u4ee5\u4e0a\uff09\uff0c\u8a2d\u7c4d\u4e26\u5be6\u969b\u5c45\u4f4f\u6eff 1 \u5e74\uff1b\u53e6\u542b 65\uff5e69 \u6b72\u4e2d\u4f4e\u6536\u5165\u8001\u4eba<\/td>\n<td>\u7a05\u7387\u672a\u9054 20%<\/td>\n<td>\u6700\u9ad8 826 \u5143<\/td>\n<td>\u4e0d\u7528\u5411\u5065\u4fdd\u7f72\u7533\u8acb<sup>[9]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u65b0\u7af9\u5e02<\/td>\n<td>65 \u6b72\u4ee5\u4e0a\uff08\u539f\u4f4f\u6c11 55 \u6b72\u4ee5\u4e0a\uff09\uff0c2026 \u5e74 9 \u6708\u8d77<\/td>\n<td>\u4e00\u89bd\u8868\u672a\u5217\u6240\u5f97\u689d\u4ef6<\/td>\n<td>\u6700\u9ad8 826 \u5143<\/td>\n<td>\u4e0d\u7528\u5411\u5065\u4fdd\u7f72\u7533\u8acb<sup>[9]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u65b0\u7af9\u7e23<\/td>\n<td>\u4e00\u822c\u9577\u8005\u76ee\u524d\u67e5\u7121\u5b98\u65b9\u516c\u544a\uff1b65\uff5e69 \u6b72\u4e2d\u4f4e\u6536\u5165\u8001\u4eba\u6709\u88dc\u52a9<\/td>\n<td>\u4f9d\u4e2d\u4f4e\u6536\u5165\u8001\u4eba\u8cc7\u683c<\/td>\n<td>\u6700\u9ad8 826 \u5143<\/td>\n<td>\u5148\u53d6\u5f97\u4e2d\u4f4e\u6536\u5165\u8001\u4eba\u8cc7\u683c<sup>[9]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u5b9c\u862d\u7e23<\/td>\n<td>100 \u6b72\u4ee5\u4e0a\u9577\u8005\uff1b\u53e6\u542b 65\uff5e69 \u6b72\u4e2d\u4f4e\u6536\u5165\u8001\u4eba\uff1b\u4e00\u822c\u9577\u8005\u76ee\u524d\u67e5\u7121\u5b98\u65b9\u516c\u544a<\/td>\n<td>\u767e\u6b72\u9577\u8005\u7a05\u7387\u672a\u8d85\u904e 20%<\/td>\n<td>\u6700\u9ad8 826 \u5143<\/td>\n<td>\u4e0d\u7528\u5411\u5065\u4fdd\u7f72\u7533\u8acb<sup>[9]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u82d7\u6817\u7e23<\/td>\n<td>80 \u6b72\u4ee5\u4e0a\uff08\u539f\u4f4f\u6c11 70 \u6b72\u4ee5\u4e0a\uff09\uff0c\u8a2d\u7c4d\u6eff 1 \u5e74\uff0c\u88dc\u52a9\u671f\u9593 2026 \u5e74 7 \u6708\u81f3 2027 \u5e74 12 \u6708\uff1b\u53e6\u542b 65\uff5e69 \u6b72\u4e2d\u4f4e\u6536\u5165\u8001\u4eba<\/td>\n<td>\u4e00\u89bd\u8868\u672a\u5217\u6240\u5f97\u689d\u4ef6<\/td>\n<td>\u6700\u9ad8 826 \u5143<\/td>\n<td>\u4e0d\u7528\u5411\u5065\u4fdd\u7f72\u7533\u8acb<sup>[9]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u5f70\u5316\u7e23<\/td>\n<td>\u4e00\u822c\u9577\u8005\u76ee\u524d\u67e5\u7121\u5b98\u65b9\u516c\u544a\uff1b65\uff5e69 \u6b72\u4e2d\u4f4e\u6536\u5165\u8001\u4eba\u6709\u88dc\u52a9<\/td>\n<td>\u4f9d\u4e2d\u4f4e\u6536\u5165\u8001\u4eba\u8cc7\u683c<\/td>\n<td>\u6700\u9ad8 826 \u5143<\/td>\n<td>\u5148\u53d6\u5f97\u4e2d\u4f4e\u6536\u5165\u8001\u4eba\u8cc7\u683c<sup>[9]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u5357\u6295\u7e23<\/td>\n<td>65 \u6b72\u4ee5\u4e0a\uff08\u539f\u4f4f\u6c11 55 \u6b72\u4ee5\u4e0a\uff09\uff0c\u8a2d\u7c4d\u5357\u6295\u7e23\uff0c2026 \u5e74 4 \u6708\u8d77<\/td>\n<td>\u4e00\u89bd\u8868\u672a\u5217\u6240\u5f97\u689d\u4ef6<\/td>\n<td>\u6700\u9ad8 826 \u5143<\/td>\n<td>\u4e0d\u7528\u5411\u5065\u4fdd\u7f72\u7533\u8acb<sup>[9]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u96f2\u6797\u7e23<\/td>\n<td>\u4e00\u822c\u9577\u8005\u76ee\u524d\u67e5\u7121\u5b98\u65b9\u516c\u544a\uff1b65\uff5e69 \u6b72\u4e2d\u4f4e\u6536\u5165\u8001\u4eba\u300165 \u6b72\u4ee5\u4e0a\u4e2d\u5ea6\u8eab\u969c\u3001100 \u6b72\u4ee5\u4e0a\u9577\u8005\u6709\u88dc\u52a9<\/td>\n<td>\u4f9d\u5404\u8eab\u5206\u8cc7\u683c<\/td>\n<td>\u6700\u9ad8 826 \u5143\uff08\u8f15\u5ea6\u8eab\u969c\u88dc\u56db\u5206\u4e4b\u4e00\uff09<\/td>\n<td>\u4e0d\u7528\u5411\u5065\u4fdd\u7f72\u7533\u8acb<sup>[9]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u5609\u7fa9\u5e02<\/td>\n<td>65 \u6b72\u4ee5\u4e0a\uff0c\u8a2d\u7c4d\u6eff 6 \u500b\u6708\uff1b2026 \u5e74 10 \u6708 1 \u65e5\u8d77\u7531 80 \u6b72\u4ee5\u4e0a\u64f4\u5927<\/td>\n<td>\u672a\u8a2d\u6240\u5f97\u689d\u4ef6<\/td>\n<td>\u6700\u9ad8 826 \u5143<\/td>\n<td>\u514d\u7533\u8acb\uff1b10 \u6708\u4efd\u7684\u88dc\u52a9\u9810\u8a08 12 \u6708\u4e2d\u4e0b\u65ec\u624d\u53cd\u6620\u5728\u7e73\u8cbb\u55ae\u4e0a<sup>[16]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u5609\u7fa9\u7e23<\/td>\n<td>\u76ee\u524d\u67e5\u7121\u5b98\u65b9\u516c\u544a<\/td>\n<td>\u2014<\/td>\n<td>\u2014<\/td>\n<td>\u2014<\/td>\n<\/tr>\n<tr>\n<td>\u81fa\u5357\u5e02<\/td>\n<td>65 \u6b72\u4ee5\u4e0a\uff08\u539f\u4f4f\u6c11 55 \u6b72\u4ee5\u4e0a\uff09\uff0c\u8a2d\u7c4d\u6eff 1 \u5e74\uff1b\u53e6\u542b 65\uff5e69 \u6b72\u4e2d\u4f4e\u6536\u5165\u8001\u4eba<\/td>\n<td>\u7a05\u7387\u672a\u8d85\u904e 5% \u6216\u672a\u9054\u7533\u5831\u6a19\u6e96<\/td>\n<td>\u6700\u9ad8 826 \u5143\uff1b\u5728\u8077\u696d\u5de5\u6703\u4ee5\u57fa\u672c\u5de5\u8cc7\u6295\u4fdd\u8005\u5168\u984d<\/td>\n<td>\u4e0d\u7528\u5411\u5065\u4fdd\u7f72\u7533\u8acb<sup>[9]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u5c4f\u6771\u7e23<\/td>\n<td>\u4e00\u822c\u9577\u8005\u76ee\u524d\u67e5\u7121\u5b98\u65b9\u516c\u544a\uff1b65\uff5e69 \u6b72\u4e2d\u4f4e\u6536\u5165\u8001\u4eba\u6709\u88dc\u52a9<\/td>\n<td>\u4f9d\u4e2d\u4f4e\u6536\u5165\u8001\u4eba\u8cc7\u683c<\/td>\n<td>\u6700\u9ad8 826 \u5143<\/td>\n<td>\u5148\u53d6\u5f97\u4e2d\u4f4e\u6536\u5165\u8001\u4eba\u8cc7\u683c<sup>[9]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u82b1\u84ee\u7e23<\/td>\n<td>65 \u6b72\u4ee5\u4e0a\uff0c\u8a2d\u7c4d\u4e26\u5be6\u969b\u5c45\u4f4f\u82b1\u84ee\u7e23\uff1b\u53e6\u542b 65\uff5e69 \u6b72\u4e2d\u4f4e\u6536\u5165\u8001\u4eba<\/td>\n<td>\u4e00\u89bd\u8868\u672a\u5217\u6240\u5f97\u689d\u4ef6<\/td>\n<td>\u6700\u9ad8 826 \u5143<\/td>\n<td>\u4e0d\u7528\u5411\u5065\u4fdd\u7f72\u7533\u8acb<sup>[9]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u81fa\u6771\u7e23<\/td>\n<td>70 \u6b72\u4ee5\u4e0a\uff0c\u8a2d\u7c4d\u6eff 1 \u5e74\u3001\u570b\u5167\u4f4f\u6eff 183 \u5929\uff1b\u53e6\u542b 65\uff5e69 \u6b72\u4e2d\u4f4e\u6536\u5165\u8001\u4eba<\/td>\n<td>\u4e00\u89bd\u8868\u672a\u5217\u6240\u5f97\u689d\u4ef6<\/td>\n<td>\u5168\u984d<\/td>\n<td>\u4e0d\u7528\u5411\u5065\u4fdd\u7f72\u7533\u8acb<sup>[9]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u6f8e\u6e56\u7e23\u3001\u91d1\u9580\u7e23\u3001\u9023\u6c5f\u7e23<\/td>\n<td>65 \u6b72\u4ee5\u4e0a\u9069\u7528\u4e0a\u4e00\u5f35\u8868\u7684\u96e2\u5cf6\u88dc\u52a9<\/td>\n<td>\u672a\u8a2d\u6240\u5f97\u689d\u4ef6<\/td>\n<td>\u5168\u984d<\/td>\n<td>\u4e0d\u7528\u5411\u5065\u4fdd\u7f72\u7533\u8acb<sup>[9][10]<\/sup><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u81fa\u5317\u3001\u65b0\u5317\u3001\u81fa\u4e2d\u3001\u9ad8\u96c4\u3001\u57fa\u9686\u3001\u5609\u7fa9\u5e02\u793e\u6703\u5c40\uff08\u8655\uff09\u7db2\u9801\u8207\u516c\u544a<sup>[11][12][13][14][15][16]<\/sup>\uff1b\u5176\u9918\u7e23\u5e02\u4f9d\u5065\u4fdd\u7f72\u3008\u5404\u7d1a\u653f\u5e9c\u8fa6\u7406\u4fdd\u96aa\u5c0d\u8c61\u5065\u4fdd\u8cbb\u88dc\u52a9\u9805\u76ee\u4e00\u89bd\u8868\u3009\uff0c2026 \u5e74 9 \u6708 17 \u65e5\u66f4\u65b0<sup>[9]<\/sup>\uff1b\u300c\u4e0d\u7528\u5411\u5065\u4fdd\u7f72\u7533\u8acb\u300d\u662f\u5065\u4fdd\u7f72\u7684\u8aaa\u660e\uff1a\u7531\u88dc\u52a9\u55ae\u4f4d\u6309\u6708\u9001\u540d\u55ae\uff0c\u5728\u958b\u8a08\u4fdd\u8cbb\u6642\u76f4\u63a5\u6263\u6e1b\uff0c\u7e23\u5e02\u662f\u5426\u53e6\u5916\u8981\u6c42\u7533\u8acb\uff0c\u4ee5\u6236\u7c4d\u5730\u516c\u544a\u70ba\u6e96\uff1b\u8cc7\u6599\u67e5\u8b49\u81f3 2026 \u5e74 10 \u6708 15 \u65e5<\/p>\n\n<p class=\"wp-block-paragraph\">\u770b\u88dc\u52a9\u689d\u4ef6\u6642\uff0c\u6709\u4e09\u500b\u5730\u65b9\u6700\u5bb9\u6613\u770b\u932f\uff1a<\/p>\n\n<p class=\"wp-block-paragraph\">\u300c\u6392\u5bcc\u300d\u770b\u7684\u7a05\u7387\uff0c\u5e38\u5e38\u4e0d\u662f\u9577\u8f29\u81ea\u5df1\u7684\uff1a\u88ab\u5b50\u5973\u7533\u5831\u70ba\u53d7\u6276\u990a\u4eba\u7684\u9577\u8f29\uff0c\u81fa\u5317\u3001\u81fa\u4e2d\u3001\u9ad8\u96c4\u90fd\u6539\u770b\u7533\u5831\u90a3\u4f4d\u5b50\u5973\u7684\u7a05\u7387<sup>[11][13][14]<\/sup>\uff0c\u6240\u4ee5\u5b50\u5973\u6536\u5165\u9ad8\u3001\u9069\u7528 20% \u4ee5\u4e0a\u7a05\u7387\uff0c\u9577\u8f29\u5c31\u53ef\u80fd\u88dc\u4e0d\u5230\uff08\u9019\u4e5f\u662f\u5f88\u591a\u4eba\u660e\u660e\u6eff 65 \u6b72\u3001\u537b\u9084\u6536\u5230\u7e73\u8cbb\u55ae\u7684\u539f\u56e0\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u65b0\u5317\u5e02\u7684\u5168\u984d\u88dc\u52a9\uff0c\u53ea\u7d66\u7b2c\u4e09\u3001\u516d\u985e\u6295\u4fdd\u7684\u9577\u8f29\uff0c\u4f9d\u9644\u5b50\u5973\u7684\u9577\u8f29\u662f\u7b2c\u4e00\u985e\u7737\u5c6c\uff0c\u62ff\u7684\u662f\u6bcf\u5e74\u5b9a\u984d\u73fe\u91d1<sup>[12]<\/sup>\uff0c\u7b97\u4e00\u4e0b\u5dee\u591a\u5c11\uff1a\u5b50\u5973\u6295\u4fdd 45,800 \u5143\uff0c\u9577\u8f29\u6bcf\u6708\u4fdd\u8cbb 710 \u5143\uff0c\u4e00\u5e74 710 \u00d7 12 \uff1d 8,520 \u5143\uff0c65\uff5e79 \u6b72\u6bcf\u5e74\u88dc 3,324 \u5143\uff0c\u81ea\u5df1\u9084\u8981\u8ca0\u64d4 8,520 \u2212 3,324 \uff1d 5,196 \u5143\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9000\u4fdd\u3001\u65b7\u4fdd\uff0c\u88dc\u52a9\u4e5f\u63a5\u4e0d\u4e0a\uff0c\u81f3\u65bc\u300c65 \u6b72\u4ee5\u4e0a\u4e0d\u7528\u7e73\u5065\u4fdd\u8cbb\u8981\u600e\u9ebc\u8fa6\u7406\u300d\uff0c\u591a\u534a\u4e0d\u7528\u8fa6\uff1a\u5728\u81fa\u5317\u3001\u65b0\u5317\u3001\u81fa\u4e2d\u3001\u9ad8\u96c4\u9019\u5e7e\u500b\u76f4\u8f44\u5e02\uff0c\u53ea\u8981\u8eab\u5206\u3001\u8a2d\u7c4d\u548c\u7a05\u7387\u7b26\u5408\uff0c\u653f\u5e9c\u6703\u4e3b\u52d5\u628a\u540d\u55ae\u9001\u5230\u5065\u4fdd\u7f72\uff1b\u8981\u81ea\u5df1\u8dd1\u4e00\u8d9f\u7684\uff0c\u662f\u57fa\u9686\u9019\u985e\u898f\u5b9a\u5230\u5340\u516c\u6240\u7533\u8acb\u7684\u7e23\u5e02\uff0c\u4ee5\u53ca\u9084\u6c92\u53d6\u5f97\u4f4e\u6536\u5165\u6236\u3001\u4e2d\u4f4e\u6536\u5165\u8cc7\u683c\u7684\u4eba\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u80a1\u606f\u8207\u5065\u4fdd\u88dc\u5145\u4fdd\u8cbb\u662f\u4ec0\u9ebc\uff1f\u9000\u4f11\u91d1\u8981\u7e73\u55ce\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u9664\u4e86\u6bcf\u500b\u6708\u7684\u4e00\u822c\u4fdd\u8cbb\uff0c\u9084\u6709\u4e00\u7b46\u300c\u88dc\u5145\u4fdd\u96aa\u8cbb\u300d\uff08supplementary premium\uff0c\u7c21\u7a31\u88dc\u5145\u4fdd\u8cbb\uff09\uff0c2013 \u5e74\u4e8c\u4ee3\u5065\u4fdd\u958b\u59cb\u6536\uff0c\u8cbb\u7387\u76ee\u524d\u662f 2.11%\uff082021 \u5e74 1 \u6708 1 \u65e5\u8d77\uff09<sup>[17]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5b83\u53ea\u5c0d\u516d\u7a2e\u6240\u5f97\u6536\uff08\u300a\u5168\u6c11\u5065\u5eb7\u4fdd\u96aa\u6cd5\u300b\u7b2c 31 \u689d\uff09<sup>[3]<\/sup>\uff1a<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u6240\u5f97\u9805\u76ee<\/th>\n<th>\u4ec0\u9ebc\u6642\u5019\u6263<\/th>\n<th>\u55ae\u6b21\u4e0a\u9650<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u734e\u91d1<\/td>\n<td>\u540c\u4e00\u6295\u4fdd\u55ae\u4f4d\u767c\u7684\uff0c\u5168\u5e74\u7d2f\u8a08\u8d85\u904e\u7576\u6708\u6295\u4fdd\u91d1\u984d 4 \u500d\u7684\u90e8\u5206<\/td>\n<td>1,000 \u842c\u5143<\/td>\n<\/tr>\n<tr>\n<td>\u517c\u8077\u85aa\u8cc7<\/td>\n<td>\u975e\u6240\u5c6c\u6295\u4fdd\u55ae\u4f4d\u767c\u7684\uff0c\u55ae\u6b21\u9054\u57fa\u672c\u5de5\u8cc7\uff08\u4eca\u5e74 29,500 \u5143\uff09<\/td>\n<td>1,000 \u842c\u5143<\/td>\n<\/tr>\n<tr>\n<td>\u57f7\u884c\u696d\u52d9\u6536\u5165<\/td>\n<td>\u55ae\u6b21\u9054 20,000 \u5143<\/td>\n<td>1,000 \u842c\u5143<\/td>\n<\/tr>\n<tr>\n<td>\u80a1\u5229\u6240\u5f97<\/td>\n<td>\u55ae\u6b21\u9054 20,000 \u5143\uff08\u73fe\u91d1\u80a1\u5229\u8207\u80a1\u7968\u80a1\u5229\u90fd\u7b97\uff09<\/td>\n<td>1,000 \u842c\u5143<\/td>\n<\/tr>\n<tr>\n<td>\u5229\u606f\u6240\u5f97<\/td>\n<td>\u55ae\u6b21\u9054 20,000 \u5143<\/td>\n<td>1,000 \u842c\u5143<\/td>\n<\/tr>\n<tr>\n<td>\u79df\u91d1\u6536\u5165<\/td>\n<td>\u55ae\u6b21\u9054 20,000 \u5143<\/td>\n<td>1,000 \u842c\u5143<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u5065\u4fdd\u7f72\u3008\u88dc\u5145\u4fdd\u96aa\u8cbb\u8a08\u7b97\u516c\u5f0f\u3009<sup>[17]<\/sup>\uff1b\u300a\u5168\u6c11\u5065\u5eb7\u4fdd\u96aa\u6cd5\u300b\u7b2c 31 \u689d<sup>[3]<\/sup><\/p>\n\n<p class=\"wp-block-paragraph\">\u8a08\u7b97\u65b9\u5f0f\u662f\u300c\u55ae\u6b21\u7d66\u4ed8 \u00d7 2.11%\u300d\uff0c\u9054\u9580\u6abb\u5c31\u4ee5\u5168\u984d\u7b97\uff0c\u4e0d\u662f\u53ea\u7b97\u8d85\u904e\u7684\u90e8\u5206\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u4e00\u7b46\u80a1\u5229 50,000 \u5143\uff1a50,000 \u00d7 2.11% \uff1d 1,055 \u5143\uff0c\u7531\u767c\u653e\u7684\u516c\u53f8\u76f4\u63a5\u6263<\/li>\n<li>\u4e00\u7b46\u80a1\u5229 19,999 \u5143\uff1a\u6c92\u9054 20,000 \u5143\uff0c\u4e0d\u6263<\/li>\n<li>\u4e00\u7b46\u5b9a\u5b58\u5229\u606f 20,000 \u5143\uff1a20,000 \u00d7 2.11% \uff1d 422 \u5143<\/li>\n<li>\u623f\u5b50\u79df\u7d66\u516c\u53f8\u884c\u865f\uff0c\u6bcf\u6708\u79df\u91d1 25,000 \u5143\uff1a\u6bcf\u6b21 25,000 \u00d7 2.11% \u2248 528 \u5143\uff0c\u4e00\u5e74 528 \u00d7 12 \uff1d 6,336 \u5143\uff08\u7531\u627f\u79df\u7684\u516c\u53f8\u6263\u7e73\uff1b\u623f\u5ba2\u662f\u500b\u4eba\u6642\uff0c\u901a\u5e38\u6c92\u6709\u6263\u7e73\u7fa9\u52d9\u4eba\u4ee3\u6263\uff09<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\uff1a\u4f5c\u8005\u4f9d\u53c3\u8003\u6587\u737b\u6240\u5217\u8cbb\u7387\u8a08\u7b97\uff0c\u6578\u503c\u70ba\u5047\u8a2d\u60c5\u5883<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/10\/13196_\u88dc\u5145\u4fdd\u8cbb\u9580\u6abb.png\" alt=\"\u88dc\u5145\u4fdd\u8cbb\u96a8\u55ae\u6b21\u7d66\u4ed8\u91d1\u984d\u8b8a\u5316\u7684\u5716\uff1a\u672a\u6eff 2 \u842c\u5143\u4e0d\u6263\uff0c19,999 \u5143\u70ba 0 \u5143\uff1b\u9054 2 \u842c\u5143\u6574\u7b46\u6309 2.11% \u8a08\uff0c20,000 \u5143\u6263 422 \u5143\u3001\u79df\u91d1 25,000 \u5143\u6263 528 \u5143\u3001\u80a1\u5229 50,000 \u5143\u6263 1,055 \u5143\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u885b\u751f\u798f\u5229\u90e8\u4e2d\u592e\u5065\u5eb7\u4fdd\u96aa\u7f72\u3008\u88dc\u5145\u4fdd\u96aa\u8cbb\u8a08\u7b97\u516c\u5f0f\u3009\uff1b\u300a\u5168\u6c11\u5065\u5eb7\u4fdd\u96aa\u6cd5\u300b\u7b2c 31 \u689d\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u8a66\u7b97<\/p>\n\n<p class=\"wp-block-paragraph\">\u9000\u4f11\u91d1\u4e0d\u5728\u9019\u516d\u9805\u88e1\uff1a\u52de\u4fdd\u8001\u5e74\u7d66\u4ed8\u3001\u52de\u9000\u3001\u516c\u4fdd\u6216\u9000\u64ab\u7684\u9000\u4f11\u91d1\uff0c\u5065\u4fdd\u7f72\u5217\u7684\u88dc\u5145\u4fdd\u8cbb\u9805\u76ee\u90fd\u6c92\u6709\u5b83\uff0c\u6240\u4ee5\u9818\u9000\u4f11\u91d1\u4e0d\u6703\u88ab\u6263\u88dc\u5145\u4fdd\u8cbb\uff1b\u8981\u6ce8\u610f\u7684\u662f\u9000\u4f11\u5f8c\u7684\u80a1\u5229\u3001\u5229\u606f\u548c\u79df\u91d1\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4f4e\u6536\u5165\u6236\uff08\u7b2c\u4e94\u985e\uff09\u4e0d\u5728\u88dc\u5145\u4fdd\u8cbb\u7684\u8a08\u6536\u5c0d\u8c61\u88e1<sup>[3]<\/sup>\uff1b\u4e2d\u4f4e\u6536\u5165\u6236\u3001\u4e2d\u4f4e\u6536\u5165\u8001\u4eba\u3001\u9818\u8eab\u5fc3\u969c\u7919\u751f\u6d3b\u88dc\u52a9\u7684\u4eba\u7b49\uff0c\u55ae\u6b21\u9818\u53d6\u672a\u9054\u57fa\u672c\u5de5\u8cc7\u514d\u6263<sup>[17]<\/sup>\uff0c\u8981\u5728\u9818\u53d6\u524d\u4e3b\u52d5\u544a\u77e5\u6263\u8cbb\u55ae\u4f4d\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u6211\u7684\u60f3\u6cd5<\/h2>\n\n<p class=\"wp-block-paragraph\">\u6211\u89ba\u5f97\u9000\u4f11\u5f8c\u7684\u5065\u4fdd\u8cbb\uff0c\u662f\u9000\u4f11\u9810\u7b97\u88e1\u91d1\u984d\u6700\u5c0f\u3001\u537b\u6700\u5e38\u88ab\u5fd8\u8a18\u7684\u4e00\u7b46\u56fa\u5b9a\u652f\u51fa\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u91d1\u984d\u5c0f\uff0c\u662f\u56e0\u70ba\u591a\u6578\u4eba\u6bcf\u6708\u5e7e\u767e\u5143\u5230\u4e00\u5343\u591a\u5143\uff1b\u88ab\u5fd8\u8a18\uff0c\u662f\u56e0\u70ba\u4e0a\u73ed\u6642\u5b83\u5f9e\u85aa\u6c34\u6263\uff0c\u5f9e\u4f86\u6c92\u6709\u81ea\u5df1\u7e73\u904e\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e0d\u904e\u6642\u9593\u4e00\u62c9\u9577\u5c31\u4e0d\u5c0f\u4e86\uff1a\u4ee5\u8655\u5883 D \u7684\u592b\u59bb\u5728\u516c\u6240\u6295\u4fdd\u4f86\u770b\uff0c\u6bcf\u6708 1,652 \u5143\uff0c\u4e00\u5e74 1,652 \u00d7 12 \uff1d 19,824 \u5143\uff0c\u5982\u679c\u9000\u4f11\u5f8c\u8981\u7e73 25 \u5e74\uff0c19,824 \u00d7 25 \uff1d 495,600 \u5143\uff0c\u5927\u7d04 50 \u842c\u5143\uff08\u9084\u6c92\u7b97\u88dc\u52a9\uff0c\u4e5f\u6c92\u7b97\u8cbb\u7387\u53ef\u80fd\u8abf\u6574\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u6211\u89ba\u5f97\u505a\u9000\u4f11\u898f\u5283\u6642\uff0c\u5065\u4fdd\u8cbb\u61c9\u8a72\u8ddf\u6c34\u96fb\u74e6\u65af\u4e00\u6a23\uff0c\u5217\u9032\u6bcf\u500b\u6708\u7684\u5fc5\u8981\u652f\u51fa\uff0c\u800c\u4e0d\u662f\u9000\u4f11\u4e4b\u5f8c\u624d\u767c\u73fe\u591a\u4e00\u7b46\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e09\u8b80\u7684\u4e2d\u592e\u88dc\u52a9\u5982\u679c\u4e0a\u8def\uff0c\u7b26\u5408\u9580\u6abb\u7684\u9577\u8f29\uff0c\u9019\u7b46\u652f\u51fa\u53ef\u80fd\u5c31\u6b78\u96f6\u4e86\uff1b\u4e0d\u904e\u65bd\u884c\u65e5\u671f\u548c\u7d30\u7bc0\u90fd\u9084\u6c92\u5b9a\uff0c\u6211\u89ba\u5f97\u5148\u7167\u73fe\u5728\u7684\u91d1\u984d\u5217\u9032\u9810\u7b97\uff0c\u4e0a\u8def\u4e86\u518d\u522a\uff0c\u6bd4\u53cd\u904e\u4f86\u5b89\u5168\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u53e6\u4e00\u4ef6\u6211\u89ba\u5f97\u503c\u5f97\u60f3\u7684\u4e8b\uff0c\u662f\u88dc\u5145\u4fdd\u8cbb\uff1a\u9000\u4f11\u5f8c\u7684\u751f\u6d3b\u8cbb\uff0c\u5f88\u591a\u4eba\u7fd2\u6163\u9760\u914d\u606f\uff0c\u914d\u606f\u6bcf\u6b21\u9054 2 \u842c\u5143\u5c31\u88ab\u6263 2.11%\uff1b\u4e0d\u904e\u73fe\u91d1\u6d41\u4e0d\u4e00\u5b9a\u53ea\u80fd\u4f86\u81ea\u914d\u606f\uff0c\u5b9a\u671f\u8ce3\u51fa\u4e00\u90e8\u5206\u8cc7\u7522\u4e5f\u80fd\u7522\u751f\u751f\u6d3b\u8cbb\uff0c\u800c\u8ce3\u51fa\u7684\u8cc7\u672c\u5229\u5f97\u4e0d\u5728\u516d\u9805\u6240\u5f97\u88e1\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u4e0d\u4ee3\u8868\u914d\u606f\u4e0d\u597d\uff0c\u53ea\u662f\u5728\u6bd4\u8f03\u4e0d\u540c\u7684\u63d0\u9818\u65b9\u5f0f\u6642\uff0c2.11% \u4e5f\u662f\u6210\u672c\u7684\u4e00\u90e8\u5206\uff0c\u8981\u4e00\u8d77\u7b97\u9032\u53bb\uff08\u8aaa\u5be6\u5728\uff0c\u6bd4\u8d77\u5831\u916c\u548c\u8cbb\u7528\u7387\uff0c\u5b83\u662f\u5c0f\u6578\u5b57\uff0c\u4f46\u5b83\u6bcf\u5e74\u90fd\u5728\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u81f3\u65bc\u8981\u4e0d\u8981\u4f9d\u9644\u5b50\u5973\uff0c\u6211\u89ba\u5f97\u4e0d\u7528\u628a\u5b83\u60f3\u6210\u9ebb\u7169\u5b50\u5973\uff0c\u898f\u5247\u672c\u4f86\u5c31\u9019\u6a23\u6392\u68d2\u6b21\uff0c\u7236\u6bcd\u628a\u68d2\u5b50\u4ea4\u7d66\u5b50\u5973\uff0c\u5b50\u5973\u5831\u7a05\u6642\u9084\u80fd\u5217\u8209\u6263\u9664\uff0c\u9019\u662f\u5236\u5ea6\u8a2d\u8a08\u597d\u7684\u8def\u7dda\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u771f\u6b63\u8981\u505a\u7684\uff0c\u662f\u9000\u4f11\u524d\u5c31\u628a\u68d2\u6b21\u6392\u597d\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5065\u4fdd\u4e0d\u6703\u56e0\u70ba\u9000\u4f11\u800c\u505c\uff0c\u68d2\u5b50\u8981\u63a5\u597d\u3002<\/p>\n\n\n<div class=\"wp-block-group alpha-cta alpha-cta-end alpha-cta-retire has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"background-color:#f3f7fb;padding:32px 20px\">\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"font-size:clamp(16.834px, 1.052rem + ((1vw - 3.2px) * 0.716), 26px);font-weight:700\">\u9000\u4f11\u91d1\u5920\u4e0d\u5920\uff0c\u5148\u770b\u7f3a\u53e3\u6709\u591a\u5927<\/p>\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u52de\u4fdd\u3001\u52de\u9000\u3001\u516c\u6559\u5e74\u91d1\u52a0\u8d77\u4f86\u80fd\u9818\u591a\u5c11\uff0c\u548c\u4f60\u60f3\u904e\u7684\u751f\u6d3b\u9084\u5dee\u591a\u5c11\uff0c\u52a0\u5165\u5b98\u65b9 LINE \u7559\u8a00\uff0c\u963f\u723e\u767c\u9867\u554f\u548c\u4f60\u4e00\u8d77\u770b<\/p>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe0a7de2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/urli.ai\/line\/XpZpxkKi\" style=\"border-radius:50px;color:#ffffff;background-color:#00b900;border:2px solid #00b900;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.234), 17px);line-height:1.4;padding:10px 26px\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u52a0 LINE\uff0c\u9867\u554f\u5e6b\u4f60\u770b\u9000\u4f11\u7f3a\u53e3<\/strong><\/a><\/div>\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/roboadvisor.com.tw\/portfolio-calculator\/?Camp=Blog\" style=\"border-radius:50px;color:#006ece;background-color:#ffffff;border:2px solid #006ece;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.234), 17px);line-height:1.4;padding:10px 26px\" target=\"_blank\" rel=\"noreferrer 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\u65b0\u5317\u5e02\u653f\u5e9c\u793e\u6703\u5c40\uff082026\uff09\u3002\u65b0\u5317\u5e02\u653f\u5e9c115\u5e74\u8001\u4eba\u5065\u4fdd\u88dc\u52a9\u8aaa\u660e\u3002https:\/\/www.sw.ntpc.gov.tw\/uploaddowndoc?file=download\/202603101616390.pdf&amp;filedisplay=%E6%96%B0%E5%8C%97%E5%B8%82%E6%94%BF%E5%BA%9C115+%E5%B9%B4%E8%80%81%E4%BA%BA%E5%81%A5%E4%BF%9D%E8%A3%9C%E5%8A%A9%E8%AA%AA%E5%B8%96.pdf&amp;flag=doc<\/li>\n<li>[13] \u81fa\u4e2d\u5e02\u653f\u5e9c\u793e\u6703\u5c40\uff082025\u5e741\u67083\u65e5\uff09\u300265\u6b72\u4ee5\u4e0a\u8001\u4eba\u5065\u4fdd\u88dc\u52a9\u3002https:\/\/www.society.taichung.gov.tw\/461560\/post<\/li>\n<li>[14] \u9ad8\u96c4\u5e02\u653f\u5e9c\u793e\u6703\u5c40\uff082026\u5e749\u670830\u65e5\uff09\u3002\u5168\u6c11\u5065\u4fdd\u8001\u4eba\u5065\u4fdd\u8cbb\u81ea\u4ed8\u984d\u88dc\u52a9\u3002\u9ad8\u96c4\u5e02\u653f\u5e9c\u9ad8\u9f61\u53cb\u5584\u8cc7\u8a0a\u5c08\u5340\u3002https:\/\/older.kcg.gov.tw\/cp.aspx?n=5E6817DD9B24076A<\/li>\n<li>[15] \u57fa\u9686\u5e02\u653f\u5e9c\u793e\u6703\u8655\uff082026\u5e746\u670818\u65e5\uff09\u3002\u8001\u4eba\u53c3\u52a0\u5168\u6c11\u5065\u5eb7\u4fdd\u96aa\u4fdd\u96aa\u8cbb\u81ea\u4ed8\u984d\u88dc\u52a9\u3002https:\/\/www.klcg.gov.tw\/tw\/social\/2751-112785.html<\/li>\n<li>[16] \u5609\u7fa9\u5e02\u653f\u5e9c\u793e\u6703\u8655\uff082026\u5e749\u670816\u65e5\uff09\u3002\u5609\u7fa9\u5e02\u653f\u5e9c65\u6b72\u4ee5\u4e0a\u8001\u4eba\u5168\u6c11\u5065\u5eb7\u4fdd\u96aa\u81ea\u4ed8\u4fdd\u96aa\u8cbb\u88dc\u52a9\u8a66\u8fa6\u8a08\u756b\uff08\u81ea115\u5e7410\u67081\u65e5\u8d77\uff09\u3002https:\/\/social.chiayi.gov.tw\/News_Content.aspx?n=1101&amp;s=952667<\/li>\n<li>[17] \u885b\u751f\u798f\u5229\u90e8\u4e2d\u592e\u5065\u5eb7\u4fdd\u96aa\u7f72\uff082023d\uff0c12\u670829\u65e5\uff09\u3002\u88dc\u5145\u4fdd\u96aa\u8cbb\u8a08\u7b97\u516c\u5f0f\u3002https:\/\/www.nhi.gov.tw\/ch\/cp-3283-34642-2589-1.html<\/li>\n<li>[18] 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