{"id":14465,"date":"2025-07-17T10:34:01","date_gmt":"2025-07-17T02:34:01","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=14465"},"modified":"2026-10-16T11:15:20","modified_gmt":"2026-10-16T03:15:20","slug":"2025-%e6%9c%80%e6%96%b0%e9%80%80%e4%bc%91%e9%87%91%e8%a8%88%e7%ae%97%e5%85%a8%e6%94%bb%e7%95%a5%ef%bc%9a%e5%8b%9e%e4%bf%9d%e3%80%81%e5%8b%9e%e9%80%80%e3%80%81%e5%85%ac%e6%95%99%e6%9c%88%e9%a0%98","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=14465","title":{"rendered":"\u9000\u4f11\u91d1\u600e\u9ebc\u7b97\uff1f\u52de\u4fdd\u3001\u52de\u9000\u3001\u516c\u6559\u3001\u570b\u4fdd\u8a66\u7b97\u8207\u6240\u5f97\u66ff\u4ee3\u7387"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u9000\u4f11\u524d\u4e00\u5169\u5e74\uff0c\u5f88\u591a\u4eba\u6703\u540c\u6642\u6253\u958b\u4e09\u500b\u8996\u7a97\uff1a\u52de\u4fdd\u5c40\u7684\u5e74\u91d1\u8a66\u7b97\u3001\u52de\u9000\u500b\u4eba\u5c08\u6236\u7684\u9918\u984d\u3001\u81ea\u5df1\u7684\u5b58\u6b3e\u7c3f\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e09\u500b\u6578\u5b57\u64fa\u5728\u4e00\u8d77\uff0c\u537b\u52a0\u4e0d\u8d77\u4f86\uff0c\u56e0\u70ba\u4e00\u500b\u662f\u6bcf\u6708\u9818\u3001\u4e00\u500b\u662f\u4e00\u7b46\u9322\u3001\u4e00\u500b\u9084\u5728\u8b8a\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9000\u4f11\u91d1\u600e\u9ebc\u7b97\uff0c\u7b54\u6848\u5176\u5be6\u53ea\u6709\u4e00\u53e5\uff1a\u5148\u5206\u6e05\u695a\u81ea\u5df1\u6709\u54ea\u5e7e\u4efd\uff0c\u6bcf\u4e00\u4efd\u7528\u5b83\u81ea\u5df1\u7684\u516c\u5f0f\u7b97\u6210\u300c\u6bcf\u6708\u300d\uff0c\u52a0\u8d77\u4f86\uff0c\u518d\u9664\u4ee5\u9000\u4f11\u524d\u7684\u6708\u85aa\uff0c\u5c31\u662f\u6240\u5f97\u66ff\u4ee3\u7387\uff08replacement rate\uff09\uff0c\u4e5f\u5c31\u662f\u9000\u4f11\u5f8c\u7684\u6536\u5165\u5927\u7d04\u662f\u5de5\u4f5c\u6642\u7684\u5e7e\u6210\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4ee5 30 \u6b72\u958b\u59cb\u4e0a\u73ed\u3001\u6708\u85aa 4 \u842c\u5143\u300165 \u6b72\u9000\u4f11\u7684\u4e0a\u73ed\u65cf\u8a66\u7b97\uff0c\u52de\u4fdd\u5e74\u91d1\u7d04 21,754 \u5143\u52a0\u4e0a\u52de\u9000\u6708\u9818\u7d04 4,811 \u5143\uff0c\u6bcf\u6708\u5408\u8a08\u7d04 26,565 \u5143\uff0c\u6240\u5f97\u66ff\u4ee3\u7387\u7d04 66%\uff1b\u6708\u85aa 8 \u842c\u5143\u7684\u4eba\uff0c\u540c\u6a23\u7684\u7b97\u6cd5\u53ea\u5269\u7d04 43%\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u7bc7\u6587\u7ae0\u6574\u7406\u4e86\u53f0\u7063\u4e94\u7a2e\u9000\u4f11\u91d1\u5236\u5ea6\u5404\u81ea\u600e\u9ebc\u7b97\u3001\u52de\u4fdd\u4e00\u6b21\u9818\u548c\u6708\u9818\u5dee\u591a\u5c11\u3001\u4e09\u7a2e\u5e38\u898b\u8655\u5883\u52a0\u8d77\u4f86\u80fd\u9818\u591a\u5c11\u3001\u591a\u6578\u4eba\u7b97\u6f0f\u7684\u5730\u65b9\uff0c\u4ee5\u53ca\u6211\u7684\u60f3\u6cd5\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6253\u500b\u6bd4\u65b9\uff0c\u9000\u4f11\u6536\u5165\u50cf\u4e00\u684c\u5408\u83dc\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6709\u5e7e\u9053\u83dc\u662f\u653f\u5e9c\u548c\u516c\u53f8\u5e6b\u4f60\u9ede\u597d\u7684\uff08\u52de\u4fdd\u3001\u52de\u9000\u3001\u516c\u4fdd\u3001\u516c\u6559\u9000\u64ab\u3001\u570b\u6c11\u5e74\u91d1\uff09\uff0c\u4efd\u91cf\u4f9d\u4f60\u5de5\u4f5c\u7684\u5e74\u8cc7\u548c\u85aa\u6c34\u6c7a\u5b9a\uff1b\u6709\u7684\u4e00\u6b21\u5168\u90e8\u4e0a\u684c\uff0c\u6709\u7684\u5206\u6279\u4e0a\u83dc\uff0c\u9084\u6709\u4e00\u9053\u5403\u5230 83 \u6b72\u5de6\u53f3\u5c31\u6536\u76e4\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b97\u9000\u4f11\u91d1\uff0c\u5c31\u662f\u5148\u628a\u684c\u4e0a\u7684\u83dc\u6578\u6e05\u695a\uff0c\u518d\u770b\u5920\u4e0d\u5920\u5403\u98fd\uff1b\u4e0d\u5920\u7684\uff0c\u8981\u81ea\u5df1\u52a0\u9ede\u3002<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">\u6211\u7684\u9000\u4f11\u91d1\u6709\u54ea\u5e7e\u4efd\uff1f\u5148\u770b\u4f60\u662f\u54ea\u4e00\u7a2e\u8eab\u5206<\/h2>\n\n<p class=\"wp-block-paragraph\">\u53f0\u7063\u7684\u9000\u4f11\u6536\u5165\u53ef\u4ee5\u5206\u4e09\u5c64\uff0c\u570b\u969b\u4e0a\u5e38\u53eb\u4e09\u652f\u67f1\uff08three pillars\uff09\uff1a\u7b2c\u4e00\u5c64\u662f\u793e\u6703\u4fdd\u96aa\uff0c\u7b2c\u4e8c\u5c64\u662f\u8077\u696d\u9000\u4f11\u91d1\uff0c\u7b2c\u4e09\u5c64\u662f\u81ea\u5df1\u6e96\u5099\u7684\u5132\u84c4\u8207\u6295\u8cc7\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u524d\u5169\u5c64\u662f\u5236\u5ea6\u5e6b\u4f60\u9ede\u597d\u7684\u83dc\uff0c\u4f60\u6709\u54ea\u5e7e\u9053\uff0c\u770b\u7684\u662f\u4f60\u9019\u8f29\u5b50\u7528\u4ec0\u9ebc\u8eab\u5206\u5de5\u4f5c\u904e\u3002<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u5236\u5ea6<\/th>\n<th>\u8ab0\u9069\u7528<\/th>\n<th>\u600e\u9ebc\u7b97\uff08\u516c\u5f0f\u6458\u8981\uff09<\/th>\n<th>\u4e00\u6b21\u9818\u6216\u6708\u9818<\/th>\n<th>\u5e7e\u6b72\u53ef\u4ee5\u9818\uff082026 \u5e74\uff09<\/th>\n<th>\u8a73\u7d30\u8a66\u7b97<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u52de\u4fdd\u8001\u5e74\u7d66\u4ed8<\/td>\n<td>\u53d7\u50f1\u52de\u5de5\u3001\u8077\u696d\u5de5\u6703\u6703\u54e1<\/td>\n<td>\u6708\u9818\uff1a\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u00d7\u5e74\u8cc7\u00d71.55%\uff08\u6216\u00d70.775%\uff0b3,000 \u5143\uff0c\u64c7\u512a\uff09<\/td>\n<td>\u5e74\u8cc7\u6eff 15 \u5e74\u6708\u9818\uff1b\u672a\u6eff 15 \u5e74\u4e00\u6b21\u9818\uff1b2008 \u5e74\u5e95\u524d\u6709\u5e74\u8cc7\u8005\u53ef\u9078\u4e00\u6b21\u9818<\/td>\n<td>65 \u6b72\uff1b\u53ef\u63d0\u524d\u5230 60 \u6b72\uff0c\u6bcf\u5e74\u6e1b 4%<\/td>\n<td><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13072\">\u52de\u4fdd\u6708\u9000\u91d1\u8a66\u7b97<\/a><\/td>\n<\/tr>\n<tr>\n<td>\u52de\u9000\u65b0\u5236<\/td>\n<td>2005 \u5e74 7 \u6708\u4ee5\u5f8c\u53d7\u50f1\u7684\u52de\u5de5<\/td>\n<td>\u500b\u4eba\u5c08\u6236\u672c\u91d1\u52a0\u6536\u76ca\uff1b\u6708\u9818\uff1d\u5c08\u6236\u91d1\u984d\u00f7\u5e74\u91d1\u73fe\u503c\u56e0\u5b50\u00f712<\/td>\n<td>\u63d0\u7e73\u6eff 15 \u5e74\u53ef\u6708\u9818\uff0c\u5426\u5247\u4e00\u6b21\u9818<\/td>\n<td>60 \u6b72<\/td>\n<td><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13124\">\u52de\u5de5\u9000\u4f11\u91d1\u600e\u9ebc\u7b97<\/a><\/td>\n<\/tr>\n<tr>\n<td>\u52de\u9000\u820a\u5236<\/td>\n<td>2005 \u5e74 7 \u6708\u524d\u5728\u540c\u4e00\u96c7\u4e3b\u3001\u4fdd\u7559\u820a\u5236\u7684\u5e74\u8cc7<\/td>\n<td>\u5e73\u5747\u5de5\u8cc7\u00d7\u57fa\u6578\uff08\u524d 15 \u5e74\u6bcf\u5e74 2 \u500b\uff0c\u4e4b\u5f8c\u6bcf\u5e74 1 \u500b\uff0c\u6700\u591a 45 \u500b\uff09<\/td>\n<td>\u96c7\u4e3b\u4e00\u6b21\u7d66\u4ed8<\/td>\n<td>\u7b26\u5408\u52de\u57fa\u6cd5\u9000\u4f11\u689d\u4ef6\u6642<\/td>\n<td><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13147\">\u52de\u9000\u65b0\u5236\u8207\u820a\u5236\u5dee\u7570<\/a><\/td>\n<\/tr>\n<tr>\n<td>\u516c\u4fdd\u990a\u8001\u7d66\u4ed8<\/td>\n<td>\u516c\u52d9\u4eba\u54e1\u3001\u516c\u79c1\u7acb\u5b78\u6821\u7de8\u5236\u5167\u5c08\u4efb\u6559\u8077\u54e1<\/td>\n<td>\u4e00\u6b21\uff1a\u524d 10 \u5e74\u5e73\u5747\u4fdd\u4ff8\u00d7\u5e74\u8cc7\u00d71.2 \u500b\u6708\uff0c\u6700\u9ad8 42 \u500b\u6708<\/td>\n<td>\u591a\u6578\u73fe\u8077\u516c\u52d9\u54e1\u8207\u516c\u7acb\u5b78\u6821\u6559\u5e2b\u4e00\u6b21\u9818\uff1b\u79c1\u6821\u8207 2023 \u5e74 7 \u6708\u5f8c\u521d\u4efb\u8005\u53ef\u9818\u5e74\u91d1<\/td>\n<td>\u9000\u4f11\u3001\u8cc7\u9063\u6642<\/td>\n<td><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13198\">\u516c\u4fdd\u662f\u4ec0\u9ebc<\/a><\/td>\n<\/tr>\n<tr>\n<td>\u516c\u6559\u9000\u64ab<\/td>\n<td>\u516c\u52d9\u4eba\u54e1\u3001\u516c\u7acb\u5b78\u6821\u6559\u8077\u54e1<\/td>\n<td>\u6708\u9000\uff1a\u5e73\u5747\u4ff8\u984d\u00d72\u00d7\u5e74\u8cc7\u00d72%\uff0835 \u5e74\u6700\u9ad8 70%\uff09\uff0c\u53d7\u6240\u5f97\u66ff\u4ee3\u7387\u4e0a\u9650\u9650\u5236<\/td>\n<td>\u6708\u9000\u3001\u4e00\u6b21\u9000\u6216\u517c\u9818<\/td>\n<td>\u516c\u52d9\u4eba\u54e1 65 \u6b72\uff1b\u6559\u5e2b\u53e6\u6709\u898f\u5b9a<\/td>\n<td><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=6929\">\u516c\u7acb\u5b78\u6821\u8001\u5e2b\u9000\u4f11\u91d1<\/a><\/td>\n<\/tr>\n<tr>\n<td>\u570b\u6c11\u5e74\u91d1<\/td>\n<td>25\uff5e65 \u6b72\u3001\u6c92\u6709\u53c3\u52a0\u52de\u4fdd\u3001\u516c\u4fdd\u3001\u8ecd\u4fdd\u3001\u8fb2\u4fdd\u7684\u4eba<\/td>\n<td>\u6708\u6295\u4fdd\u91d1\u984d\u00d7\u5e74\u8cc7\u00d71.3%\uff08\u6216\u00d70.65%\uff0b4,049 \u5143\uff0c\u64c7\u512a\uff09<\/td>\n<td>\u6708\u9818<\/td>\n<td>65 \u6b72<\/td>\n<td><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14446\">\u570b\u6c11\u5e74\u91d1\u4e00\u500b\u6708\u9818\u591a\u5c11<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u8cc7\u6599\u4f86\u6e90\uff1a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b<sup>[1]<\/sup>\u3001\u52de\u5de5\u9000\u4f11\u91d1\u689d\u4f8b<sup>[2]<\/sup>\u3001\u52de\u52d5\u57fa\u6e96\u6cd5<sup>[3]<\/sup>\u3001\u516c\u6559\u4eba\u54e1\u4fdd\u96aa\u6cd5<sup>[4]<\/sup>\u3001\u516c\u52d9\u4eba\u54e1\u9000\u4f11\u8cc7\u9063\u64ab\u5379\u6cd5<sup>[5]<\/sup>\u3001\u570b\u6c11\u5e74\u91d1\u6cd5<sup>[6]<\/sup>\uff1b\u4f5c\u8005\u6574\u7406\u3002<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">\u5927\u591a\u6578\u4eba\u7684\u7d44\u5408\u662f\u9019\u5e7e\u7a2e\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u79c1\u4eba\u4f01\u696d\u4e0a\u73ed\u65cf\uff1a\u52de\u4fdd\uff0b\u52de\u9000\uff08\u65b0\u5236\uff0c\u90e8\u5206\u4eba\u53e6\u6709\u4e00\u6bb5\u820a\u5236\u5e74\u8cc7\uff09\u3002<\/li>\n<li>\u516c\u52d9\u54e1\u3001\u516c\u7acb\u5b78\u6821\u8001\u5e2b\uff1a\u516c\u4fdd\uff0b\u516c\u6559\u9000\u64ab\u3002<\/li>\n<li>\u5bb6\u7ba1\u3001\u6c92\u6709\u52a0\u4fdd\u52de\u4fdd\u7684\u81ea\u71df\u8005\uff1a\u570b\u6c11\u5e74\u91d1\u3002<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u63db\u904e\u8dd1\u9053\u7684\u4eba\u6703\u540c\u6642\u6709\u5169\u4e09\u4efd\uff0c\u4f8b\u5982\u5148\u5728\u6c11\u9593\u516c\u53f8\u4e0a\u73ed\u3001\u5f8c\u4f86\u8003\u4e0a\u516c\u8077\uff0c\u52de\u4fdd\u5e74\u8cc7\u548c\u516c\u4fdd\u5e74\u8cc7\u6703\u5404\u81ea\u4fdd\u7559\uff0c\u9000\u4f11\u6642\u5206\u958b\u8acb\u9818\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u7b2c\u4e00\u6b65\u4e0d\u662f\u7b97\uff0c\u800c\u662f\u5217\u6e05\u55ae\uff1a\u628a\u81ea\u5df1\u5de5\u4f5c\u904e\u7684\u8eab\u5206\u548c\u5e74\u6578\u5beb\u4e0b\u4f86\uff0c\u770b\u684c\u4e0a\u5230\u5e95\u6709\u5e7e\u9053\u83dc\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u9000\u4f11\u91d1\u600e\u9ebc\u7b97\uff1f\u6708\u9818\u7528 A \u5f0f\u3001B \u5f0f\u64c7\u512a<\/h2>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u8001\u5e74\u5e74\u91d1\u7684\u516c\u5f0f\u5728\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u7b2c 58-1 \u689d\uff0c\u52de\u4fdd\u5c40\u6703\u7528\u5169\u500b\u516c\u5f0f\u5404\u7b97\u4e00\u6b21\uff0c\u767c\u7d66\u6bd4\u8f03\u9ad8\u7684\u90a3\u500b<sup>[1]<\/sup>\uff1a<\/p>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>A \u5f0f\uff1a\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 \u00d7 \u5e74\u8cc7 \u00d7 0.775% \uff0b 3,000 \u5143\nB \u5f0f\uff1a\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 \u00d7 \u5e74\u8cc7 \u00d7 1.55%<\/p>\n<\/blockquote>\n\n<p class=\"wp-block-paragraph\">\u300c\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u300d\u662f\u52a0\u4fdd\u671f\u9593\u6700\u9ad8 60 \u500b\u6708\u7684\u5e73\u5747\uff08\u7b2c 19 \u689d\uff09\uff0c\u4e0d\u662f\u9000\u4f11\u524d\u7684\u6708\u85aa\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u7684\u6295\u4fdd\u85aa\u8cc7\u6709\u4e0a\u9650\uff0c2026 \u5e74 1 \u6708\u8d77\u5206\u7d1a\u8868\u7b2c\u4e00\u7d1a\u8abf\u6210 29,500 \u5143\uff0c\u6700\u9ad8\u4e00\u7d1a\u4ecd\u662f 45,800 \u5143<sup>[7]<\/sup>\uff1b\u6708\u85aa 8 \u842c\u5143\u300110 \u842c\u5143\u7684\u4eba\uff0c\u52de\u4fdd\u90fd\u53ea\u7528 45,800 \u5143\u7b97\uff08\u9019\u9ede\u662f\u5f8c\u9762\u66ff\u4ee3\u7387\u6703\u5dee\u5f88\u591a\u7684\u539f\u56e0\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7528\u6700\u9ad8\u7d1a\u8ddd\u8a66\u7b97\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u5e74\u8cc7 35 \u5e74\uff1aB \u5f0f 45,800\u00d735\u00d71.55%\u224824,847 \u5143\uff1bA \u5f0f 45,800\u00d735\u00d70.775%\uff0b3,000\u224815,423 \u5143\uff0c\u6240\u4ee5\u6708\u9818 24,847 \u5143\u3002<\/li>\n<li>\u5e74\u8cc7 15 \u5e74\uff1aB \u5f0f\u7d04 10,648 \u5143\uff0cA \u5f0f\u7d04 8,324 \u5143\uff0c\u6708\u9818 10,648 \u5143\u3002<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">A \u5f0f\u90a3 3,000 \u5143\u53ea\u6709\u5728\u6295\u4fdd\u85aa\u8cc7\u4f4e\u3001\u5e74\u8cc7\u77ed\u7684\u6642\u5019\u624d\u6703\u52dd\u51fa\uff0c\u591a\u6578\u4eba\u6700\u5f8c\u7528\u7684\u90fd\u662f B \u5f0f\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">2026 \u5e74\u52de\u4fdd\u5e74\u91d1\u7684\u8acb\u9818\u5e74\u9f61\u662f 65 \u6b72\uff08\u7b2c 58 \u689d\u7b2c 5 \u9805\u7684\u9010\u5e74\u63d0\u9ad8\u5230\u4eca\u5e74\u525b\u597d\u8d70\u5b8c\uff09\uff1b\u63d0\u524d\u8acb\u9818\u6700\u591a 5 \u5e74\uff0c\u6bcf\u63d0\u524d\u4e00\u5e74\u6e1b\u7d66 4%\uff0c\u5ef6\u5f8c\u8acb\u9818\u6bcf\u5e74\u589e\u7d66 4%\uff0c\u6700\u591a 20%\uff08\u7b2c 58-2 \u689d\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e0d\u540c\u6295\u4fdd\u85aa\u8cc7\u3001\u4e0d\u540c\u5e74\u8cc7\u7684\u6708\u9818\u5c0d\u7167\uff0c\u5728<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13072\">\u52de\u4fdd\u6708\u9000\u91d1\u8a66\u7b97<\/a>\u90a3\u7bc7\u6709\u5b8c\u6574\u7684\u8868\uff0c\u9019\u88e1\u4e0d\u91cd\u8907\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u4e00\u6b21\u9818\u8a66\u7b97\uff1a\u8ab0\u9084\u80fd\u4e00\u6b21\u9818\uff1f\u8ddf\u6708\u9818\u5dee\u591a\u5c11\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u9019\u984c\u8981\u5148\u554f\u81ea\u5df1\u4e00\u4ef6\u4e8b\uff1a\u4f60\u5728 2008 \u5e74 12 \u6708 31 \u65e5\u4ee5\u524d\u6709\u6c92\u6709\u52de\u4fdd\u5e74\u8cc7\uff1f<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u5728 2009 \u5e74 1 \u6708\u6539\u6210\u5e74\u91d1\u5236\uff0c\u6539\u5236\u524d\u5c31\u6709\u5e74\u8cc7\u7684\u4eba\uff0c\u7b26\u5408\u689d\u4ef6\u6642\u53ef\u4ee5\u9078\u64c7\u300c\u4e00\u6b21\u8acb\u9818\u8001\u5e74\u7d66\u4ed8\u300d\uff0c\u4e00\u7d93\u6838\u4ed8\u5c31\u4e0d\u80fd\u6539\uff08\u7b2c 58 \u689d\u7b2c 2 \u9805\uff09<sup>[1]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">2009 \u5e74\u4ee5\u5f8c\u624d\u958b\u59cb\u52a0\u4fdd\u7684\u4eba\uff0c\u6c92\u6709\u9019\u500b\u9078\u9805\uff1b\u5e74\u8cc7\u6eff 15 \u5e74\u53ea\u80fd\u6708\u9818\uff0c\u672a\u6eff 15 \u5e74\u624d\u9818\u300c\u8001\u5e74\u4e00\u6b21\u91d1\u300d\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e00\u6b21\u9818\u7684\u516c\u5f0f\u5728\u7b2c 59 \u689d\uff1a<\/p>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u4e00\u6b21\u9818\u91d1\u984d \uff1d \u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 \u00d7 \u7d66\u4ed8\u6708\u6578\n\u7d66\u4ed8\u6708\u6578\uff1a\u524d 15 \u5e74\u6bcf\u5e74 1 \u500b\u6708\uff0c\u7b2c 16 \u5e74\u8d77\u6bcf\u5e74 2 \u500b\u6708\uff0c\u6700\u9ad8 45 \u500b\u6708\uff1b60 \u6b72\u5f8c\u7e7c\u7e8c\u5de5\u4f5c\u7684\u5e74\u8cc7\u6700\u591a\u518d\u7b97 5 \u5e74\uff0c\u5408\u8a08\u6700\u9ad8 50 \u500b\u6708<\/p>\n<\/blockquote>\n\n<p class=\"wp-block-paragraph\">\u8981\u6ce8\u610f\u7684\u662f\uff0c\u4e00\u6b21\u9818\u7684\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u7528\u7684\u662f\u300c\u9000\u4fdd\u524d 3 \u5e74\u300d\u7684\u5e73\u5747\uff08\u7b2c 19 \u689d\u4f46\u66f8\uff09\uff0c\u6708\u9818\u7528\u7684\u662f\u300c\u6700\u9ad8 60 \u500b\u6708\u300d\uff0c\u5169\u908a\u7684\u57fa\u790e\u4e0d\u4e00\u6a23\uff1b\u9000\u4f11\u524d\u5e7e\u5e74\u964d\u85aa\u6216\u6539\u6295\u4fdd\u4f4e\u85aa\u7684\u4eba\uff0c\u4e00\u6b21\u9818\u6703\u6bd4\u8f03\u5403\u8667\u3002<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>\u8a66\u7b97\uff1a\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u90fd\u662f 45,800 \u5143\uff0c\u4e00\u6b21\u9818\u8207 65 \u6b72\u6708\u9818\u6bd4\u8f03<\/strong><\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u52de\u4fdd\u5e74\u8cc7<\/th>\n<th>\u4e00\u6b21\u9818\u6708\u6578<\/th>\n<th>\u4e00\u6b21\u9818\u91d1\u984d<\/th>\n<th>65 \u6b72\u6708\u9818\uff08\u64c7\u512a\uff09<\/th>\n<th>\u6708\u9818\u591a\u4e45\u6703\u8ffd\u4e0a\u4e00\u6b21\u9818<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>15 \u5e74<\/td>\n<td>15<\/td>\n<td>68.7 \u842c\u5143<\/td>\n<td>10,648 \u5143<\/td>\n<td>\u7d04 65 \u500b\u6708\uff085.4 \u5e74\uff09<\/td>\n<\/tr>\n<tr>\n<td>20 \u5e74<\/td>\n<td>15\uff0b5\u00d72\uff1d25<\/td>\n<td>114.5 \u842c\u5143<\/td>\n<td>14,198 \u5143<\/td>\n<td>\u7d04 81 \u500b\u6708\uff086.7 \u5e74\uff09<\/td>\n<\/tr>\n<tr>\n<td>25 \u5e74<\/td>\n<td>15\uff0b10\u00d72\uff1d35<\/td>\n<td>160.3 \u842c\u5143<\/td>\n<td>17,748 \u5143<\/td>\n<td>\u7d04 90 \u500b\u6708\uff087.5 \u5e74\uff09<\/td>\n<\/tr>\n<tr>\n<td>30 \u5e74<\/td>\n<td>15\uff0b15\u00d72\uff1d45<\/td>\n<td>206.1 \u842c\u5143<\/td>\n<td>21,297 \u5143<\/td>\n<td>\u7d04 97 \u500b\u6708\uff088.1 \u5e74\uff09<\/td>\n<\/tr>\n<tr>\n<td>35 \u5e74<\/td>\n<td>\u4e0a\u9650 45<\/td>\n<td>206.1 \u842c\u5143<\/td>\n<td>24,847 \u5143<\/td>\n<td>\u7d04 83 \u500b\u6708\uff086.9 \u5e74\uff09<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u8a66\u7b97\uff1a\u4f5c\u8005\u4f9d\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u7b2c 58-1\u300159 \u689d\u8a08\u7b97\uff0c\u5047\u8a2d\u5169\u7a2e\u65b9\u5f0f\u7684\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u76f8\u540c\u300160 \u6b72\u524d\u9000\u4fdd\uff0c\u672a\u8a08\u7269\u50f9\u8abf\u6574\u3002<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">\u4ee5 30 \u5e74\u90a3\u4e00\u5217\u9a57\u7b97\u4e00\u6b21\uff1a45,800\u00d745\uff1d2,061,000 \u5143\uff1b2,061,000\u00f721,297\u224897 \u500b\u6708\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e5f\u5c31\u662f\u8aaa\uff0c65 \u6b72\u958b\u59cb\u6708\u9818\uff0c\u5927\u7d04\u9818\u5230 73 \u6b72\uff0c\u7d2f\u8a08\u91d1\u984d\u5c31\u6703\u8d85\u904e\u4e00\u6b21\u9818\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">35 \u5e74\u90a3\u4e00\u5217\u770b\u5f97\u51fa\u4e0a\u9650\u7684\u4f5c\u7528\uff1a\u4e00\u6b21\u9818\u5361\u5728 45 \u500b\u6708\uff0c\u591a\u51fa\u4f86\u7684 5 \u5e74\u5e74\u8cc7\u5728\u4e00\u6b21\u9818\u88e1\u7b49\u65bc\u767d\u7e73\uff0c\u6708\u9818\u537b\u6bcf\u5e74\u90fd\u7b97 1.55%\uff0c\u6240\u4ee5\u5e74\u8cc7\u8d8a\u9577\uff0c\u6708\u9818\u8d8a\u5212\u7b97\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e00\u6b21\u9818\u548c\u6708\u9818\u4e0d\u662f\u540c\u4e00\u6642\u9593\u4e0a\u684c\u7684\u83dc\uff1a\u4e00\u6b21\u9818\u5728\u7b26\u5408\u689d\u4ef6\u6642\uff08\u4f8b\u5982\u5e74\u8cc7\u6eff 1 \u5e74\u3001\u5e74\u6eff 60 \u6b72\u9000\u8077\uff09\u5c31\u80fd\u62ff\uff0c\u6708\u9818\u8981\u5230 65 \u6b72\uff0c60 \u6b72\u63d0\u524d\u9818\u8981\u6e1b 20%\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u600e\u9ebc\u9078\uff0c\u6211\u5728\u5f8c\u9762\u3008\u6211\u7684\u60f3\u6cd5\u3009\u8b1b\u6211\u7684\u770b\u6cd5\uff1b\u52de\u4fdd\u4e00\u6b21\u9818\u8981\u4e0d\u8981\u7e73\u7a05\uff0c\u7b54\u6848\u662f\u4e0d\u7528\uff0c\u4fdd\u96aa\u7d66\u4ed8\u4f9d\u300a\u6240\u5f97\u7a05\u6cd5\u300b\u514d\u7a05<sup>[8]<\/sup>\uff0c\u5b8c\u6574\u7684\u9000\u4f11\u91d1\u7a05\u52d9\u6574\u7406\u5728<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14449\">\u9000\u4f11\u91d1\u8981\u7e73\u7a05\u55ce<\/a>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u52de\u9000\u65b0\u5236\u3001\u820a\u5236\u600e\u9ebc\u7b97\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u52de\u9000\u65b0\u5236\u662f\u500b\u4eba\u5c08\u6236\uff0c\u96c7\u4e3b\u6bcf\u6708\u66ff\u4f60\u63d0\u7e73\u5de5\u8cc7\u7684 6%\uff0c\u4f60\u81ea\u5df1\u53ef\u4ee5\u518d\u81ea\u63d0\u6700\u591a 6%\uff0c\u9322\u5b58\u5728\u52de\u4fdd\u5c40\u7684\u5e33\u6236\u88e1\uff0c\u5e33\u6236\u8ddf\u8457\u4eba\u8d70<sup>[2]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5b83\u6c92\u6709\u300c\u5e74\u8cc7\u00d7\u767e\u5206\u6bd4\u300d\u7684\u516c\u5f0f\uff0c\u9000\u4f11\u6642\u80fd\u9818\u591a\u5c11\uff0c\u770b\u5c08\u6236\u88e1\u7d2f\u7a4d\u4e86\u591a\u5c11\uff1a<\/p>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u6708\u9000\u4f11\u91d1 \uff1d \u5c08\u6236\u91d1\u984d \u00f7 \u671f\u521d\u5e74\u91d1\u73fe\u503c\u56e0\u5b50 \u00f7 12<\/p>\n<\/blockquote>\n\n<p class=\"wp-block-paragraph\">60 \u6b72\u7533\u8acb\u7684\u56e0\u5b50\u76ee\u524d\u662f 20.2397\uff0c\u6240\u4ee5\u5c08\u6236 100 \u842c\u5143\u6bcf\u6708\u7d04 4,117 \u5143\uff081,000,000\u00f720.2397\u00f712\uff09<sup>[9]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u9000\u820a\u5236\u662f\u300a\u52de\u52d5\u57fa\u6e96\u6cd5\u300b\u7684\u9000\u4f11\u91d1\uff0c\u7531\u96c7\u4e3b\u5728\u4f60\u9000\u4f11\u6642\u4e00\u6b21\u7d66\u4ed8\uff1a\u5e73\u5747\u5de5\u8cc7\u00d7\u57fa\u6578\uff0c\u524d 15 \u5e74\u6bcf\u5e74 2 \u500b\u57fa\u6578\uff0c\u4e4b\u5f8c\u6bcf\u5e74 1 \u500b\uff0c\u6700\u591a 45 \u500b\u57fa\u6578<sup>[3]<\/sup>\uff1b\u8981\u5728\u540c\u4e00\u5bb6\u516c\u53f8\u505a\u5230\u7b26\u5408\u9000\u4f11\u689d\u4ef6\uff0c\u516c\u53f8\u4e5f\u8981\u9084\u5728\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u9000\u9019\u4e00\u9053\u83dc\u7684\u7d30\u7bc0\u6700\u591a\uff0c\u5305\u62ec\u56db\u7a2e\u5e74\u8cc7\u8207\u85aa\u8cc7\u7684\u5c08\u6236\u8a66\u7b97\u3001\u4e00\u6b21\u9818\u6216\u6708\u9818\u3001\u9078\u4e86\u6708\u9818\u9084\u6709 30 \u5929\u53ef\u4ee5\u6539\u3001\u81ea\u63d0\u7701\u591a\u5c11\u7a05\u3001\u96c7\u4e3b\u6709\u6c92\u6709\u63d0\u8db3 6% \u600e\u9ebc\u67e5\uff0c\u90fd\u6574\u7406\u5728<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13124\">\u52de\u5de5\u9000\u4f11\u91d1\u600e\u9ebc\u7b97\uff1f\u52de\u9000\u65b0\u5236\u8a66\u7b97\u3001\u8acb\u9818\u8207\u4e00\u6b21\u9818\u6708\u9818\u53d6\u6368<\/a>\uff1b\u65b0\u820a\u5236\u80fd\u4e0d\u80fd\u540c\u6642\u9818\uff0c\u898b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13147\">\u52de\u9000\u65b0\u5236\u8207\u820a\u5236\u5dee\u7570\u8207\u6bd4\u8f03<\/a>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5728\u9019\u7bc7\u7e3d\u89bd\u88e1\u53ea\u8981\u8a18\u4f4f\u5169\u4ef6\u4e8b\uff1a\u52de\u9000 60 \u6b72\u5c31\u80fd\u9818\uff0c\u6bd4\u52de\u4fdd\u65e9 5 \u5e74\uff1b\u52de\u9000\u6708\u9818\u53ea\u767c\u5230\u5e73\u5747\u9918\u547d\u70ba\u6b62\uff0c60 \u6b72\u7533\u8acb\u5927\u7d04\u9818\u5230 83 \u6b72\uff0c\u4e0d\u662f\u7d42\u8eab\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u516c\u52d9\u54e1\u3001\u8001\u5e2b\u7684\u9000\u4f11\u91d1\u600e\u9ebc\u7b97\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u516c\u6559\u4eba\u54e1\u7684\u9000\u4f11\u6536\u5165\u4e5f\u6709\u5169\u9053\u83dc\uff1a\u516c\u4fdd\uff08\u793e\u6703\u4fdd\u96aa\uff09\u548c\u9000\u64ab\uff08\u8077\u696d\u9000\u4f11\u91d1\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u516c\u4fdd\u7684\u990a\u8001\u7d66\u4ed8\uff0c\u5c0d\u591a\u6578\u73fe\u8077\u516c\u52d9\u54e1\u548c\u516c\u7acb\u5b78\u6821\u8001\u5e2b\u4f86\u8aaa\u662f\u9000\u4f11\u6642\u7684\u4e00\u7b46\u9322\uff1a\u524d 10 \u5e74\u5e73\u5747\u4fdd\u4ff8\u00d7\u4fdd\u96aa\u5e74\u8cc7\u00d71.2 \u500b\u6708\uff0c\u6700\u9ad8 42 \u500b\u6708\uff0c\u6709\u8fa6\u7406\u512a\u60e0\u5b58\u6b3e\u7684\u4eba\u6700\u9ad8 36 \u500b\u6708\uff08\u300a\u516c\u6559\u4eba\u54e1\u4fdd\u96aa\u6cd5\u300b\u7b2c 16 \u689d\uff09<sup>[4]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u79c1\u7acb\u5b78\u6821\u6559\u8077\u54e1\u30012023 \u5e74 7 \u6708\u4ee5\u5f8c\u521d\u4efb\u7684\u516c\u6559\u4eba\u54e1\uff0c\u624d\u8d70\u516c\u4fdd\u5e74\u91d1\uff1b\u8ab0\u80fd\u9818\u5e74\u91d1\u3001\u600e\u9ebc\u7b97\uff0c\u5728<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13198\">\u516c\u4fdd\u662f\u4ec0\u9ebc<\/a>\u6709\u5b8c\u6574\u7684\u8a66\u7b97\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9000\u64ab\u7684\u6708\u9000\u4f11\u91d1\uff0c\u4ee5\u516c\u52d9\u4eba\u54e1\u70ba\u4f8b\uff08\u300a\u516c\u52d9\u4eba\u54e1\u9000\u4f11\u8cc7\u9063\u64ab\u5379\u6cd5\u300b\u7b2c 29 \u689d\uff09<sup>[5]<\/sup>\uff1a<\/p>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u6708\u9000\u4f11\u91d1 \uff1d \u5e73\u5747\u4ff8\u984d \u00d7 2 \u00d7 \u5e74\u8cc7\u7d66\u8207\u7387\n\u5e74\u8cc7\u7d66\u8207\u7387\uff1a\u6bcf\u5e74 2%\uff0c35 \u5e74\u6700\u9ad8 70%<\/p>\n<\/blockquote>\n\n<p class=\"wp-block-paragraph\">\u4e00\u6b21\u9000\u4f11\u91d1\u5247\u662f\u6bcf\u5e74 1.5 \u500b\u57fa\u6578\uff0c35 \u5e74\u6700\u9ad8 53 \u500b\u57fa\u6578\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b97\u51fa\u4f86\u4e4b\u5f8c\u9084\u8981\u904e\u4e00\u95dc\uff1a\u9000\u4f11\u6240\u5f97\u66ff\u4ee3\u7387\u4e0a\u9650\uff0c\u4e5f\u5c31\u662f\u6708\u9000\u4f11\u91d1\uff08\u52a0\u4e0a\u516c\u4fdd\u5e74\u91d1\u6216\u512a\u60e0\u5b58\u6b3e\u5229\u606f\uff09\u4e0d\u80fd\u8d85\u904e\u300c\u6700\u5f8c\u5728\u8077\u672c\u4ff8\u00d72\u300d\u7684\u4e00\u5b9a\u6bd4\u4f8b\uff08\u7b2c 37 \u689d\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u500b\u4e0a\u9650\u539f\u672c\u5f9e 2018 \u5e74\u8d77\u9010\u5e74\u5f80\u4e0b\u964d\uff0c\u5e74\u8cc7 35 \u5e74\u8981\u5f9e 75% \u4e00\u8def\u964d\u5230 2029 \u5e74\u7684 60%\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">2025 \u5e74 12 \u6708\u7acb\u6cd5\u9662\u4fee\u6cd5\uff0c2024 \u5e74 1 \u6708 1 \u65e5\u4ee5\u5f8c\u9010\u5e74\u4e0b\u964d\u7684\u90e8\u5206\u4e0d\u518d\u9069\u7528<sup>[5]<\/sup>\uff0c\u4e0a\u9650\u505c\u5728 2023 \u5e74\u7684\u6c34\u6e96\uff0c\u5e74\u8cc7 35 \u5e74\u662f 69%<sup>[10]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u4eca\u5e74\u4ee5\u5f8c\u9000\u4f11\u7684\u516c\u6559\u4eba\u54e1\uff0c\u4e0a\u9650\u6bd4\u5e7e\u5e74\u524d\u5927\u5bb6\u4ee5\u70ba\u7684\u9ad8\u4e00\u4e9b\uff08\u653f\u7b56\u9084\u5728\u722d\u8b70\u4e2d\uff0c\u7533\u8acb\u524d\u4ee5\u9293\u6558\u90e8\u7576\u6642\u7684\u5be9\u5b9a\u70ba\u6e96\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8d77\u9818\u5e74\u9f61\u4e5f\u8981\u770b\u6e05\u695a\uff1a\u516c\u52d9\u4eba\u54e1\u81ea\u9858\u9000\u4f11\u3001\u5e74\u8cc7\u6eff 15 \u5e74\u7684\u6708\u9000\u4f11\u91d1\u8d77\u652f\u5e74\u9f61\uff0c2026 \u5e74 1 \u6708 1 \u65e5\u4ee5\u5f8c\u662f 65 \u6b72\uff08\u7b2c 31 \u689d\uff09<sup>[5]<\/sup>\uff1b\u4e2d\u5c0f\u5b78\u6559\u5e2b\u7684\u898f\u5b9a\u4e0d\u540c\uff0c\u898b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=6929\">\u516c\u7acb\u5b78\u6821\u8001\u5e2b\u9000\u4f11\u91d1\u6700\u65b0\u898f\u5b9a<\/a>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u6c92\u6709\u52de\u4fdd\u7684\u5bb6\u7ba1\u3001\u81ea\u71df\u8005\uff0c\u570b\u6c11\u5e74\u91d1\u80fd\u9818\u591a\u5c11\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u570b\u6c11\u5e74\u91d1\u662f\u7d66 25 \u5230 65 \u6b72\u3001\u6c92\u6709\u53c3\u52a0\u5176\u4ed6\u793e\u6703\u4fdd\u96aa\u7684\u4eba\uff0c65 \u6b72\u8d77\u6309\u6708\u9818\u8001\u5e74\u5e74\u91d1\uff0c\u4e5f\u662f\u64c7\u512a\u8a08\u7b97\uff08\u300a\u570b\u6c11\u5e74\u91d1\u6cd5\u300b\u7b2c 29\u300130 \u689d\uff09<sup>[6]<\/sup>\uff1a<\/p>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>A \u5f0f\uff1a\u6708\u6295\u4fdd\u91d1\u984d \u00d7 \u5e74\u8cc7 \u00d7 0.65% \uff0b \u52a0\u8a08\u91d1\u984d\nB \u5f0f\uff1a\u6708\u6295\u4fdd\u91d1\u984d \u00d7 \u5e74\u8cc7 \u00d7 1.3%<\/p>\n<\/blockquote>\n\n<p class=\"wp-block-paragraph\">2026 \u5e74 1 \u6708 1 \u65e5\u8d77\uff0c\u570b\u4fdd\u6708\u6295\u4fdd\u91d1\u984d\u5f9e 19,761 \u5143\u8abf\u70ba 21,103 \u5143\uff0c\u885b\u751f\u798f\u5229\u90e8\u7684\u4f8b\u5b50\u662f 65 \u6b72\u3001\u570b\u4fdd\u5e74\u8cc7 15 \u5e74\uff0cA \u5f0f\u6bcf\u6708 6,107 \u5143<sup>[11]<\/sup>\uff1b\u53cd\u63a8\u56de\u53bb\uff0cA \u5f0f\u7684\u52a0\u8a08\u91d1\u984d\u662f 4,049 \u5143\uff0821,103\u00d715\u00d70.65%\uff0b4,049\u22486,107\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7e73 40 \u5e74\u7684\u8a71\uff1aB \u5f0f 21,103\u00d740\u00d71.3%\u224810,974 \u5143\uff0cA \u5f0f\u7d04 9,536 \u5143\uff0c\u6708\u9818 10,974 \u5143\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">A \u5f0f\u6bd4\u8f03\u9069\u5408\u5e74\u8cc7\u77ed\u7684\u4eba\uff0c\u4e0d\u904e\u6709\u6b20\u7e73\u4fdd\u8cbb\u3001\u5df2\u7d93\u9818\u904e\u5176\u4ed6\u793e\u6703\u4fdd\u96aa\u8001\u5e74\u7d66\u4ed8\u7b49\u60c5\u6cc1\u7684\u4eba\uff0c\u4e0d\u80fd\u9078 A \u5f0f\uff08\u7b2c 30 \u689d\u7b2c 2 \u9805\uff09<sup>[6]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7e73 10 \u5230 40 \u5e74\u5404\u80fd\u9818\u591a\u5c11\u3001\u4fdd\u8cbb\u600e\u9ebc\u7b97\u3001\u4e0d\u7e73\u7684\u5f8c\u679c\uff0c\u898b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14446\">\u570b\u6c11\u5e74\u91d1\u4e00\u500b\u6708\u9818\u591a\u5c11<\/a>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u4e09\u7a2e\u4eba\u52a0\u8d77\u4f86\u80fd\u9818\u591a\u5c11\uff1f\u6240\u5f97\u66ff\u4ee3\u7387\u8a66\u7b97<\/h2>\n\n<p class=\"wp-block-paragraph\">\u83dc\u6578\u6e05\u695a\u4e86\uff0c\u63a5\u4e0b\u4f86\u628a\u4efd\u91cf\u52a0\u8d77\u4f86\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e0b\u9762\u56db\u5217\u662f\u4e09\u7a2e\u5e38\u898b\u8655\u5883\uff08\u4e0a\u73ed\u65cf\u5206\u6210\u5169\u7a2e\u85aa\u6c34\uff09\uff0c\u90fd\u7528\u540c\u4e00\u500b\u554f\u984c\u53bb\u7b97\uff1a65 \u6b72\u9000\u4f11\u6642\uff0c\u6bcf\u6708\u5927\u7d04\u6709\u591a\u5c11\u56fa\u5b9a\u6536\u5165\uff0c\u662f\u9000\u4f11\u524d\u7684\u5e7e\u6210\u3002<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>\u8a66\u7b97\uff1a\u4e09\u7a2e\u8655\u5883 65 \u6b72\u6642\u7684\u6bcf\u6708\u9000\u4f11\u6536\u5165\u8207\u6240\u5f97\u66ff\u4ee3\u7387<\/strong><\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u8655\u5883<\/th>\n<th>\u5047\u8a2d<\/th>\n<th>\u5236\u5ea6\u8207\u6bcf\u6708\u91d1\u984d<\/th>\n<th>\u6bcf\u6708\u5408\u8a08<\/th>\n<th>\u6240\u5f97\u66ff\u4ee3\u7387<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u4e0a\u73ed\u65cf A<\/td>\n<td>30 \u6b72\u8d77\u5de5\u4f5c\uff0c\u6708\u85aa 4 \u842c\u5143\uff0c65 \u6b72\u9000\u4f11\uff1b\u53ea\u6709\u96c7\u4e3b\u63d0\u7e73\u52de\u9000 6%<\/td>\n<td>\u52de\u4fdd\uff08\u6295\u4fdd 40,100 \u5143\u300135 \u5e74\uff09\uff1a40,100\u00d735\u00d71.55%\u224821,754 \u5143\uff1b\u52de\u9000\uff08\u63d0\u7e73\u5de5\u8cc7 4 \u842c\u5143\u300130 \u5e74\u3001\u5e74\u5831\u916c 2%\uff09\uff1a\u5c08\u6236\u7d04 116.8 \u842c\u5143\u00f720.2397\u00f712\u22484,811 \u5143<\/td>\n<td>26,565 \u5143<\/td>\n<td>26,565\u00f740,000\u224866%<\/td>\n<\/tr>\n<tr>\n<td>\u4e0a\u73ed\u65cf B<\/td>\n<td>\u540c A\uff0c\u4f46\u6708\u85aa 8 \u842c\u5143<\/td>\n<td>\u52de\u4fdd\uff08\u6295\u4fdd\u4e0a\u9650 45,800 \u5143\u300135 \u5e74\uff09\uff1a\u224824,847 \u5143\uff1b\u52de\u9000\uff08\u63d0\u7e73\u5de5\u8cc7 8 \u842c\u5143\u300130 \u5e74\u3001\u5e74\u5831\u916c 2%\uff09\uff1a\u5c08\u6236\u7d04 233.7 \u842c\u5143\uff0c\u6708\u9818\u22489,621 \u5143<\/td>\n<td>34,468 \u5143<\/td>\n<td>34,468\u00f780,000\u224843%<\/td>\n<\/tr>\n<tr>\n<td>\u516c\u52d9\u54e1<\/td>\n<td>1996 \u5e74\u5f8c\u4efb\u8077\u3001\u53ea\u6709\u65b0\u5236\u5e74\u8cc7\uff0c35 \u5e74\u300165 \u6b72\u9000\u4f11\uff1b\u6700\u5f8c\u5728\u8077\u672c\u4ff8 5 \u842c\u5143\uff0c\u5e73\u5747\u4ff8\u984d 4.7 \u842c\u5143\uff0c\u6c92\u6709\u512a\u60e0\u5b58\u6b3e<\/td>\n<td>\u9000\u64ab\u6708\u9000\uff1a47,000\u00d72\u00d770%\uff1d65,800 \u5143\uff08\u4e0a\u9650 50,000\u00d72\u00d769%\uff1d69,000 \u5143\uff0c\u672a\u8d85\u904e\uff09\uff1b\u516c\u4fdd\u4e00\u6b21\u7d66\u4ed8\uff1a47,000\u00d742\uff1d197.4 \u842c\u5143\uff0c\u6524 25 \u5e74\u22486,580 \u5143<\/td>\n<td>72,380 \u5143<\/td>\n<td>72,380\u00f7\uff0850,000\u00d72\uff09\u224872%\uff08\u6cd5\u5b9a\u53e3\u5f91\uff09<\/td>\n<\/tr>\n<tr>\n<td>\u5bb6\u7ba1<\/td>\n<td>25 \u5230 65 \u6b72\u90fd\u5728\u570b\u4fdd\u3001\u6c92\u6709\u6b20\u8cbb\uff0c\u6bcf\u6708\u751f\u6d3b\u8cbb 3 \u842c\u5143<\/td>\n<td>\u570b\u6c11\u5e74\u91d1 40 \u5e74\uff1a21,103\u00d740\u00d71.3%\u224810,974 \u5143<\/td>\n<td>10,974 \u5143<\/td>\n<td>10,974\u00f730,000\u224837%\uff08\u5c0d\u751f\u6d3b\u8cbb\uff09<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u8a66\u7b97\uff1a\u4f5c\u8005\u4f9d\u53c3\u8003\u6587\u737b\u6240\u5217\u6cd5\u898f\u8207\u5b98\u65b9\u53c3\u6578\u8a08\u7b97\uff0c\u85aa\u8cc7\u3001\u5e74\u8cc7\u3001\u5831\u916c\u7387\u8207\u751f\u6d3b\u8cbb\u90fd\u662f\u5047\u8a2d\u60c5\u5883\uff1b\u52de\u9000\u4f9d 60 \u6b72\u7533\u8acb\u7684\u56e0\u5b50 20.2397 \u8a08\u7b97\uff0c60 \u6b72\u5f8c\u7e7c\u7e8c\u63d0\u7e73\u7684\u90e8\u5206\u672a\u8a08\uff1b\u672a\u8a08\u85aa\u8cc7\u6210\u9577\u8207\u7269\u50f9\u8abf\u6574\u3002<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u9000\u5169\u5217\u7684\u5c08\u6236\u91d1\u984d\uff0c\u548c<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13124\">\u52de\u5de5\u9000\u4f11\u91d1\u600e\u9ebc\u7b97<\/a>\u7684\u8a66\u7b97\u540c\u4e00\u5957\u5047\u8a2d\uff1a\u6bcf\u6708\u63d0\u7e73 2,400 \u5143\uff0840,000\u00d76%\uff09\uff0c30 \u5e74\u3001\u5e74\u5831\u916c 2%\uff0c2,400\u00d712\u00d7\u3014(1.02)^30\uff0d1\u3015\u00f70.02\u2248116.8 \u842c\u5143\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u516c\u4fdd\u90a3\u4e00\u5217\u7684\u300c\u6524 25 \u5e74\u300d\u662f\u628a\u4e00\u7b46\u9322\u63db\u6210\u6bcf\u6708\u4f86\u6bd4\u8f03\uff1a1,974,000\u00f725\u00f712\uff1d6,580 \u5143\uff0c\u5be6\u969b\u4e0a\u5b83\u662f\u4e00\u6b21\u5165\u5e33\uff0c\u600e\u9ebc\u82b1\u662f\u81ea\u5df1\u7684\u4e8b\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6240\u5f97\u66ff\u4ee3\u7387\u8981\u591a\u5c11\u624d\u5920\uff0c\u570b\u969b\u4e0a\u7684\u6700\u4f4e\u6a19\u6e96\u662f\u570b\u969b\u52de\u5de5\u7d44\u7e54\uff08International Labour Organization\uff0cILO\uff09\u7b2c 102 \u865f\u516c\u7d04\uff1a\u7e73\u8cbb 30 \u5e74\u7684\u4eba\uff0c\u8001\u5e74\u7d66\u4ed8\u81f3\u5c11\u662f\u539f\u672c\u6536\u5165\u7684 40%<sup>[12]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u662f\u300c\u4e0d\u8981\u843d\u5165\u8ca7\u7aae\u300d\u7684\u5e95\u7dda\uff1b\u9000\u4f11\u5f8c\u8981\u7dad\u6301\u539f\u672c\u7684\u751f\u6d3b\u6c34\u6e96\uff0c\u9700\u8981\u7684\u6bd4\u4f8b\u901a\u5e38\u66f4\u9ad8\uff0c\u6211\u5728\u3008\u6211\u7684\u60f3\u6cd5\u3009\u8b1b\u6211\u7684\u770b\u6cd5\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u70ba\u4ec0\u9ebc\u6708\u85aa\u8d8a\u9ad8\uff0c\u66ff\u4ee3\u7387\u53cd\u800c\u8d8a\u4f4e\uff1f\u591a\u6578\u4eba\u7b97\u6f0f\u7684\u4e94\u4ef6\u4e8b<\/h2>\n\n<p class=\"wp-block-paragraph\">\u8868\u4e0a\u6700\u523a\u773c\u7684\u662f\u4e0a\u73ed\u65cf B\uff1a\u6708\u85aa\u662f A \u7684\u5169\u500d\uff0c\u9000\u4f11\u6536\u5165\u537b\u53ea\u591a\u4e09\u6210\uff0c\u66ff\u4ee3\u7387\u5f9e 66% \u6389\u5230 43%\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b97\u5f0f\u6c92\u6709\u932f\uff0c\u5236\u5ea6\u672c\u4f86\u5c31\u9019\u6a23\u8a2d\u8a08\uff0c\u518d\u52a0\u4e0a\u5e7e\u500b\u5927\u5bb6\u5e38\u7b97\u6f0f\u7684\u5730\u65b9\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e00\uff0c\u52de\u4fdd\u6709\u6295\u4fdd\u4e0a\u9650\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6708\u85aa 8 \u842c\u5143\u7684\u4eba\uff0c\u52de\u4fdd\u53ea\u7528 45,800 \u5143\u7b97\uff0c\u6708\u85aa\u8d85\u904e\u7684\u90e8\u5206\u5728\u52de\u4fdd\u88e1\u5b8c\u5168\u6c92\u6709\u4efd\u91cf\uff08\u83dc\u7684\u4efd\u91cf\u6709\u4e0a\u9650\uff0c\u9ede\u518d\u8cb4\u7684\u5957\u9910\uff0c\u9019\u9053\u83dc\u4e5f\u5c31\u9019\u9ebc\u5927\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e8c\uff0c\u52de\u9000\u6708\u9818\u4e0d\u662f\u7d42\u8eab\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">60 \u6b72\u7533\u8acb\u3001\u5e73\u5747\u9918\u547d 23 \u5e74\uff0c\u5927\u7d04\u9818\u5230 83 \u6b72<sup>[9]<\/sup>\uff1b\u4e4b\u5f8c\u4e0a\u73ed\u65cf A \u53ea\u5269\u52de\u4fdd 21,754 \u5143\uff0c\u66ff\u4ee3\u7387\u5f9e 66% \u964d\u5230 54%\uff0c\u4e0a\u73ed\u65cf B \u5f9e 43% \u964d\u5230 31%\uff0824,847\u00f780,000\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6703\u9818\u4e00\u8f29\u5b50\u7684\u662f\u52de\u4fdd\u5e74\u91d1\u3001\u516c\u6559\u6708\u9000\u548c\u570b\u6c11\u5e74\u91d1\uff0c\u9019\u5e7e\u9053\u624d\u662f\u4e00\u76f4\u7559\u5728\u684c\u4e0a\u7684\u83dc\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e09\uff0c\u8d77\u9818\u5e74\u9f61\u4e0d\u4e00\u6a23\uff0c\u4e2d\u9593\u6703\u6709\u7a7a\u7a97\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u9000 60 \u6b72\u3001\u52de\u4fdd 65 \u6b72\u3001\u570b\u4fdd 65 \u6b72\u3001\u516c\u52d9\u4eba\u54e1\u6708\u9000 65 \u6b72\uff1b60 \u6b72\u9000\u4f11\u7684\u4e0a\u73ed\u65cf\uff0c60 \u5230 65 \u6b72\u9019 5 \u5e74\u53ea\u6709\u52de\u9000\uff0c\u8981\u561b\u63d0\u524d\u9818\u52de\u4fdd\uff08\u6bcf\u5e74\u6e1b 4%\uff09\uff0c\u8981\u561b\u81ea\u5df1\u6e96\u5099\u9019\u4e00\u6bb5\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u56db\uff0c\u4e00\u6b21\u9818\u7684\u9322\u8981\u81ea\u5df1\u5207\u6210\u6bcf\u6708\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u4e00\u6b21\u9818\u3001\u516c\u4fdd\u4e00\u6b21\u7d66\u4ed8\u3001\u52de\u9000\u4e00\u6b21\u9818\uff0c\u5165\u5e33\u6642\u770b\u8d77\u4f86\u5f88\u591a\uff0c\u63db\u6210\u6bcf\u6708\u5c31\u6c92\u90a3\u9ebc\u591a\uff1a206.1 \u842c\u5143\u7684\u52de\u4fdd\u4e00\u6b21\u9818\uff0c\u5982\u679c\u8981\u6490 25 \u5e74\uff0c206.1 \u842c\u00f725\u00f712\u22486,870 \u5143\uff0c\u9084\u6c92\u6709\u6263\u901a\u81a8\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e94\uff0c\u516c\u6559\u548c\u52de\u5de5\u7684\u66ff\u4ee3\u7387\u4e0d\u80fd\u76f4\u63a5\u6bd4\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u516c\u6559\u7684\u6240\u5f97\u66ff\u4ee3\u7387\uff0c\u5206\u6bcd\u662f\u300c\u672c\u4ff8\u00d72\u300d\uff0c\u4e0d\u662f\u5be6\u969b\u9818\u5230\u7684\u6708\u85aa\uff08\u5be6\u969b\u6708\u85aa\u9084\u6709\u5c08\u696d\u52a0\u7d66\u3001\u4e3b\u7ba1\u52a0\u7d66\uff09\uff1b\u52de\u5de5\u7684\u66ff\u4ee3\u7387\uff0c\u4e00\u822c\u7528\u9000\u4f11\u524d\u7684\u6708\u85aa\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u540c\u6a23\u5beb 70%\uff0c\u5169\u908a\u7684\u610f\u601d\u4e0d\u4e00\u6a23\uff0c\u6bd4\u8f03\u524d\u5148\u78ba\u8a8d\u5206\u6bcd\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u53e6\u5916\u9084\u6709\u4e00\u4ef6\u4e8b\u4e0d\u5728\u8868\u4e0a\uff1a\u63db\u904e\u8dd1\u9053\u7684\u4eba\uff0c\u5e74\u8cc7\u6703\u6563\u5728\u4e0d\u540c\u5236\u5ea6\u88e1\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u3001\u516c\u4fdd\u3001\u570b\u4fdd\u7684\u5e74\u8cc7\u5404\u81ea\u8a08\u7b97\u3001\u5404\u81ea\u8acb\u9818\uff0c\u4e0d\u6703\u81ea\u52d5\u5408\u4f75\u6210\u4e00\u4efd\uff1b\u5169\u908a\u5e74\u8cc7\u5404\u4e0d\u6eff 15 \u5e74\u7684\uff0c\u6709\u4e9b\u60c5\u6cc1\u53ef\u4ee5\u5408\u4f75\u8a08\u7b97\u5e74\u8cc7\u4f86\u8acb\u9818\u5e74\u91d1\uff08\u4f8b\u5982\u516c\u4fdd\u548c\u52de\u4fdd\u5e74\u8cc7\u5408\u8a08\u6eff 15 \u5e74\uff09\uff0c\u898f\u5247\u5404\u5236\u5ea6\u4e0d\u540c\uff0c\u770b\u5404\u7bc7\u5c08\u6587\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u53bb\u54ea\u88e1\u8a66\u7b97\u81ea\u5df1\u7684\u9000\u4f11\u91d1\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u4e0a\u9762\u7684\u516c\u5f0f\u662f\u7528\u4f86\u7406\u89e3\u908f\u8f2f\uff0c\u8981\u7b97\u51fa\u81ea\u5df1\u7684\u6578\u5b57\uff0c\u7528\u5b98\u65b9\u7684\u8cc7\u6599\u6700\u6e96\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u52de\u4fdd\u8207\u52de\u9000\uff1a\u52de\u4fdd\u5c40\u300c<a href=\"https:\/\/edesk.bli.gov.tw\/me\/#\/home\">e \u5316\u670d\u52d9\u7cfb\u7d71<\/a>\u300d\uff0c\u767b\u5165\u5f8c\u53ef\u4ee5\u67e5\u52de\u4fdd\u5e74\u8cc7\u3001\u6295\u4fdd\u85aa\u8cc7\u548c\u52de\u9000\u5c08\u6236\u9918\u984d\uff1b\u52de\u52d5\u90e8\u7684\u300c<a href=\"https:\/\/calcr2.mol.gov.tw\/trial\">\u52de\u5de5\u9000\u4f11\u91d1\u53ca\u52de\u4fdd\u8001\u5e74\u5e74\u91d1\u8a66\u7b97<\/a>\u300d\u53ef\u4ee5\u5169\u8005\u4e00\u8d77\u8a66\u7b97\u3002<\/li>\n<li>\u516c\u6559\u9000\u64ab\uff1a\u9293\u6558\u90e8\u300c<a href=\"https:\/\/iocs.mocs.gov.tw\/medmvc\/cal1010000\">\u516c\u52d9\u4eba\u54e1\u9000\u4f11\u91d1\u8a66\u7b97\u5668<\/a>\u300d\uff0c\u8f38\u5165\u8077\u7b49\u3001\u5e74\u8cc7\u5373\u53ef\u8a66\u7b97\u3002<\/li>\n<li>\u516c\u4fdd\uff1a\u81fa\u7063\u9280\u884c\u300c\u516c\u6559\u4eba\u54e1\u4fdd\u96aa\u7db2\u8def\u4f5c\u696d e \u7cfb\u7d71\u300d\uff0c\u7528\u81ea\u7136\u4eba\u6191\u8b49\u767b\u5165\u67e5\u5e74\u8cc7\u8207\u8a66\u7b97\u3002<\/li>\n<li>\u570b\u6c11\u5e74\u91d1\uff1a\u52de\u4fdd\u5c40 e \u5316\u670d\u52d9\u7cfb\u7d71\u67e5\u570b\u4fdd\u5e74\u8cc7\u8207\u7e73\u8cbb\u7d00\u9304\u3002<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u62ff\u5230\u6bcf\u4e00\u4efd\u7684\u6578\u5b57\u4e4b\u5f8c\uff0c\u7167\u4e0a\u9762\u90a3\u5f35\u4e09\u7a2e\u8655\u5883\u7684\u8868\uff0c\u81ea\u5df1\u586b\u4e00\u5217\uff1a\u6bcf\u6708\u5408\u8a08\u591a\u5c11\u3001\u9664\u4ee5\u73fe\u5728\u7684\u6708\u85aa\u662f\u5e7e\u6210\u3001\u54ea\u4e00\u4efd\u53ea\u9818\u5230 83 \u6b72\u3001\u54ea\u4e00\u4efd\u662f\u4e00\u6b21\u5165\u5e33\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u7b97\u5b8c\u4e4b\u5f8c\uff0c\u4e0b\u4e00\u6b65\u505a\u4ec0\u9ebc\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u7b97\u5b8c\u591a\u534a\u6703\u5f97\u5230\u4e00\u500b\u300c\u5dee\u4e00\u622a\u300d\u7684\u6578\u5b57\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5dee\u591a\u5c11\uff0c\u53d6\u6c7a\u65bc\u4f60\u60f3\u904e\u4ec0\u9ebc\u6a23\u7684\u9000\u4f11\u751f\u6d3b\uff0c\u9019\u4e00\u984c\u6c92\u6709\u516c\u5f0f\u53ef\u4ee5\u5957\uff0c\u8981\u5f9e\u6bcf\u6708\u60f3\u82b1\u591a\u5c11\u9322\u5012\u63a8\u56de\u4f86\uff1a\u6e1b\u6389\u4e0a\u9762\u7b97\u51fa\u4f86\u7684\u56fa\u5b9a\u6536\u5165\uff0c\u5269\u4e0b\u7684\u5c31\u662f\u8981\u9760\u81ea\u5df1\u6e96\u5099\u7684\u90a3\u4e00\u4efd\uff0c\u518d\u770b\u9084\u6709\u5e7e\u5e74\u53ef\u4ee5\u6e96\u5099\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u4e00\u6bb5\u600e\u9ebc\u505a\uff0c\u5305\u62ec\u9000\u4f11\u8981\u6e96\u5099\u591a\u5c11\u3001\u5e7e\u6b72\u958b\u59cb\u3001\u8cc7\u7522\u600e\u9ebc\u914d\u7f6e\uff0c\u6574\u7406\u5728<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4614\">\u9000\u4f11\u898f\u5283<\/a>\u90a3\u7bc7\uff1b\u9000\u4f11\u5f8c\u6bcf\u5e74\u5f9e\u8cc7\u7522\u9818\u591a\u5c11\u624d\u4e0d\u5bb9\u6613\u63d0\u65e9\u7528\u5b8c\uff0c\u53ef\u4ee5\u770b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4801\">\u9000\u4f11\u91d1\u63d0\u9818\u7b56\u7565<\/a>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4eca\u5929\u53ea\u505a\u4e00\u4ef6\u4e8b\uff0c\u5c31\u662f\u767b\u5165\u52de\u4fdd\u5c40\u6216\u9293\u6558\u90e8\u7684\u7cfb\u7d71\uff0c\u628a\u81ea\u5df1\u6bcf\u4e00\u4efd\u7684\u5e74\u8cc7\u6284\u4e0b\u4f86\u3002<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">\u6211\u7684\u60f3\u6cd5<\/h2>\n\n<p class=\"wp-block-paragraph\">\u6211\u89ba\u5f97\u53f0\u7063\u7684\u9000\u4f11\u91d1\u5236\u5ea6\uff0c\u5c0d\u4e2d\u7b49\u6536\u5165\u3001\u5728\u540c\u4e00\u500b\u5236\u5ea6\u88e1\u5f85\u6eff\u7684\u4eba\u5176\u5be6\u883b\u5920\u610f\u601d\u7684\uff0c\u5c0d\u6536\u5165\u9ad8\u3001\u6216\u63db\u904e\u8dd1\u9053\u7684\u4eba\u5247\u660e\u986f\u4e0d\u5920\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e0a\u73ed\u65cf A \u7684\u8a66\u7b97\u5c31\u662f\u4f8b\u5b50\uff1a\u6708\u85aa 4 \u842c\u5143\u3001\u505a\u6eff 35 \u5e74\uff0c\u52de\u4fdd\u52a0\u52de\u9000\u5927\u7d04\u662f\u9000\u4f11\u524d\u7684\u4e09\u5206\u4e4b\u4e8c\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e0d\u904e\u628a\u6708\u85aa\u62c9\u5230 8 \u842c\u5143\uff0c\u66ff\u4ee3\u7387\u5c31\u5269\u56db\u6210\u51fa\u982d\uff0c83 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\u53ea\u662f\u4e0d\u6328\u9913\u7684\u5e95\u7dda\uff0c\u60f3\u7dad\u6301\u539f\u672c\u7684\u751f\u6d3b\uff0c\u6bd4\u8f03\u5be6\u969b\u7684\u76ee\u6a19\u61c9\u8a72\u518d\u5f80\u4e0a\uff0c\u800c\u4e14\u8d8a\u9ad8\u6536\u5165\u7684\u4eba\uff0c\u5236\u5ea6\u80fd\u5e6b\u4f60\u7684\u6bd4\u4f8b\u8d8a\u4f4e\uff0c\u81ea\u5df1\u6e96\u5099\u7684\u90a3\u4e00\u4efd\u5c31\u8981\u8d8a\u5927\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u4e00\u6b21\u9818\u9084\u662f\u6708\u9818\uff0c\u6211\u89ba\u5f97\u5982\u679c\u4f60\u6709\u5225\u7684\u7d42\u8eab\u6536\u5165\u4e0d\u591a\u3001\u5bb6\u65cf\u4e5f\u7b97\u9577\u58fd\uff0c\u6708\u9818\u7684\u50f9\u503c\u5e38\u88ab\u4f4e\u4f30\uff1a\u5b83\u662f\u4e00\u4efd\u9818\u5230\u7d42\u8eab\u3001\u9084\u6703\u96a8\u7269\u50f9\u8abf\u6574\u7684\u6536\u5165\uff0c\u9019\u7a2e\u6771\u897f\u81ea\u5df1\u5728\u5e02\u5834\u4e0a\u5f88\u96e3\u8cb7\u5230\uff08\u7576\u7136\uff0c\u4e00\u6b21\u9818\u7684\u9322\u4e5f\u53ef\u4ee5\u81ea\u5df1\u898f\u5283\uff0c\u524d\u63d0\u662f\u62ff\u5230\u4e4b\u5f8c\u4e0d\u6703\u5728\u5e7e\u5e74\u5167\u82b1\u6389\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6700\u5f8c\uff0c\u6211\u89ba\u5f97\u653f\u5e9c\u548c\u516c\u53f8\u9ede\u597d\u7684\u90a3\u5e7e\u9053\u83dc\uff0c\u7b97\u7e3d\u8cc7\u7522\u6642\u4e00\u5b9a\u8981\u7b97\u9032\u53bb\uff0c\u4f46\u5b83\u5011\u662f\u4f60\u7121\u6cd5\u8abf\u6574\u7684\u90e8\u5206\uff1b\u771f\u6b63\u80fd\u8abf\u6574\u7684\uff0c\u662f\u81ea\u5df1\u6e96\u5099\u7684\u90a3\u4e00\u4efd\uff0c\u800c\u90a3\u4e00\u4efd\u6211\u89ba\u5f97\u9069\u5408\u7528\u5206\u6563\u3001\u4f4e\u6210\u672c\u3001\u9577\u671f\u6301\u6709\u7684\u8cc7\u7522\u914d\u7f6e\uff0c\u6309\u7167\u7d00\u5f8b\u5b9a\u671f\u518d\u5e73\u8861\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u684c\u4e0a\u7684\u83dc\u6578\u6e05\u695a\u4e86\uff0c\u5269\u4e0b\u90a3\u5e7e\u9053\uff0c\u81ea\u5df1\u9ede\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u5e38\u898b\u554f\u984c<\/h2>\n\n<h3 class=\"wp-block-heading\">\u9000\u4f11\u91d1\u600e\u9ebc\u7b97\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u5148\u5217\u51fa\u81ea\u5df1\u6709\u54ea\u5e7e\u4efd\uff1a\u52de\u4fdd\u3001\u52de\u9000\u3001\u516c\u4fdd\u3001\u516c\u6559\u9000\u64ab\u6216\u570b\u6c11\u5e74\u91d1\u3002\u6bcf\u4e00\u4efd\u4f9d\u5404\u81ea\u7684\u516c\u5f0f\u7b97\u6210\u6bcf\u6708\u91d1\u984d\uff08\u4e00\u6b21\u9818\u7684\u8981\u81ea\u5df1\u6524\u6210\u6bcf\u6708\uff09\uff0c\u52a0\u7e3d\u5f8c\u9664\u4ee5\u9000\u4f11\u524d\u6708\u85aa\uff0c\u5c31\u662f\u6240\u5f97\u66ff\u4ee3\u7387\u3002\u4f8b\u5982\u6708\u85aa 4 \u842c\u5143\u3001\u52de\u4fdd 35 \u5e74\u3001\u52de\u9000 30 \u5e74\u7684\u4e0a\u73ed\u65cf\uff0c65 \u6b72\u6bcf\u6708\u7d04 26,565 \u5143\uff0c\u66ff\u4ee3\u7387\u7d04 66%\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u52de\u4fdd\u4e00\u6b21\u9818\u53ef\u4ee5\u9818\u591a\u5c11\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">2008 \u5e74\u5e95\u4ee5\u524d\u6709\u52de\u4fdd\u5e74\u8cc7\u7684\u4eba\u624d\u80fd\u9078\u4e00\u6b21\u9818\u3002\u91d1\u984d\uff1d\u9000\u4fdd\u524d 3 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}\n}\n<\/style>\n\n<div class=\"wp-block-group alignfull has-text-color has-background\" style=\"color:#000000;background-color:#ffffff;text-align:center;padding:40px 20px;\">\n\n<h2 class=\"wp-block-heading has-text-align-center rwd-heading\" id=\"schedule-a-visit-personal\" style=\"line-height:1.15;font-weight:700;\">\u7acb\u5373\u555f\u52d5\u500b\u4eba\u8ca1\u5bcc\u8a08\u756b<\/h2>\n\n<div class=\"wp-block-buttons\" style=\"display:flex;flex-direction:column;align-items:center;gap:20px;\">\n\n    <div class=\"wp-block-button rwd-btn-wrapper\">\n        <a class=\"wp-block-button__link has-text-color has-background wp-element-button rwd-btn-link\" href=\"https:\/\/urli.ai\/line\/jOAm2Tj0\" style=\"border-radius:50px;color:#ffffff;background-color:#006ece;text-align:center;display:block;box-sizing:border-box;font-weight:700;\">\u514d\u8cbb\u8a3b\u518a\u963f\u723e\u767c\u6703\u54e1<\/a>\n    <\/div>\n\n    <div class=\"wp-block-button rwd-btn-wrapper\">\n        <a class=\"wp-block-button__link has-text-color has-background wp-element-button rwd-btn-link\" href=\"https:\/\/urli.ai\/line\/XpZpxkKi\" style=\"border-radius:50px;color:#ffffff;background-color:#00b900;text-align:center;display:block;box-sizing:border-box;font-weight:700;\">\u7acb\u5373\u52a0\u5165\u963f\u723e\u767c\u5b98\u65b9Line@<\/a>\n    <\/div>\n\n<\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u53c3\u8003\u6587\u737b<\/h2>\n\n<ul class=\"wp-block-list\">\n<li>[1] \u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\uff082026\u5e741\u670821\u65e5\u4fee\u6b63\uff09\u3002\u5168\u570b\u6cd5\u898f\u8cc7\u6599\u5eab\u3002https:\/\/law.moj.gov.tw\/LawClass\/LawAll.aspx?pcode=N0050001<\/li>\n<li>[2] \u52de\u5de5\u9000\u4f11\u91d1\u689d\u4f8b\uff082019\u5e745\u670815\u65e5\u4fee\u6b63\uff09\u3002\u5168\u570b\u6cd5\u898f\u8cc7\u6599\u5eab\u3002https:\/\/law.moj.gov.tw\/LawClass\/LawAll.aspx?pcode=N0030020<\/li>\n<li>[3] \u52de\u52d5\u57fa\u6e96\u6cd5\uff082024\u5e747\u670831\u65e5\u4fee\u6b63\uff09\u3002\u5168\u570b\u6cd5\u898f\u8cc7\u6599\u5eab\u3002https:\/\/law.moj.gov.tw\/LawClass\/LawAll.aspx?pcode=N0030001<\/li>\n<li>[4] \u516c\u6559\u4eba\u54e1\u4fdd\u96aa\u6cd5\uff082024\u5e741\u67083\u65e5\u4fee\u6b63\uff09\u3002\u5168\u570b\u6cd5\u898f\u8cc7\u6599\u5eab\u3002https:\/\/law.moj.gov.tw\/LawClass\/LawAll.aspx?pcode=S0070001<\/li>\n<li>[5] \u516c\u52d9\u4eba\u54e1\u9000\u4f11\u8cc7\u9063\u64ab\u5379\u6cd5\uff082025\u5e7412\u670826\u65e5\u4fee\u6b63\uff09\u3002\u5168\u570b\u6cd5\u898f\u8cc7\u6599\u5eab\u3002https:\/\/law.moj.gov.tw\/LawClass\/LawAll.aspx?pcode=S0080034<\/li>\n<li>[6] \u570b\u6c11\u5e74\u91d1\u6cd5\uff082020\u5e746\u67083\u65e5\u4fee\u6b63\uff09\u3002\u5168\u570b\u6cd5\u898f\u8cc7\u6599\u5eab\u3002https:\/\/law.moj.gov.tw\/LawClass\/LawAll.aspx?pcode=D0050152<\/li>\n<li>[7] \u52de\u52d5\u90e8\uff082025\u5e7411\u670828\u65e5\uff09\u3002\u56e0\u61c9\u6295\u4fdd\u85aa\u8cc7\uff08\u6708\u63d0\u7e73\uff09\u5206\u7d1a\u8868\u4fee\u6b63\uff0c\u52de\u4fdd\u5c40\u4e3b\u52d5\u8fa6\u7406\u6295\u4fdd\u85aa\u8cc7\u53ca\u63d0\u7e73\u5de5\u8cc7\u9015\u8abf\u4f5c\u696d\u3002https:\/\/www.mol.gov.tw\/1607\/1632\/1633\/86680\/<\/li>\n<li>[8] \u6240\u5f97\u7a05\u6cd5\uff082026\u5e749\u670811\u65e5\u4fee\u6b63\uff09\u3002\u5168\u570b\u6cd5\u898f\u8cc7\u6599\u5eab\u3002https:\/\/law.moj.gov.tw\/LawClass\/LawAll.aspx?pcode=G0340003<\/li>\n<li>[9] \u52de\u52d5\u90e8\u52de\u5de5\u4fdd\u96aa\u5c40\uff082026\u5e748\u67087\u65e5\uff09\u3002\u6708\u9000\u4f11\u91d1\u8a08\u7b97\u57fa\u790e\u3002https:\/\/www.bli.gov.tw\/0018437.html<\/li>\n<li>[10] \u53f0\u7063\u82f1\u6587\u65b0\u805e\uff082025\u5e7412\u670812\u65e5\uff09\u3002\u7acb\u6cd5\u9662\u4e09\u8b80\u4fee\u6b63\u901a\u904e\uff1a\u505c\u780d\u516c\u52d9\u4eba\u54e1\u5e74\u91d1 \u63d0\u65e9\u81ea113\u5e74\u505c\u6b62\u964d\u4f4e\u300c\u9000\u4f11\u6240\u5f97\u66ff\u4ee3\u7387\u300d\u3002https:\/\/www.taiwannews.com.tw\/zh\/news\/6264047<\/li>\n<li>[11] \u885b\u751f\u798f\u5229\u90e8\uff082025\u5e7411\u670812\u65e5\uff09\u3002\u570b\u6c11\u5e74\u91d1\u4fdd\u96aa\u6708\u6295\u4fdd\u91d1\u984d115\u5e741\u67081\u65e5\u4f9d\u6cd5\u8abf\u6574\u70ba21,103\u5143\u3002https:\/\/www.mohw.gov.tw\/cp-16-84487-1.html<\/li>\n<li>[12] International Labour Organization. (1952). <em>Social Security (Minimum Standards) Convention, 1952 (No. 102)<\/em>. https:\/\/normlex.ilo.org\/dyn\/nrmlx_en\/f?p=NORMLEXPUB:12100:0::NO::P12100_ILO_CODE:C102<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">\u91cd\u8981\u8072\u660e<\/h2>\n\n<p class=\"wp-block-paragraph\">\u672c\u6587\u7531\u963f\u723e\u767c\u8b49\u5238\u6295\u8cc7\u9867\u554f\u80a1\u4efd\u6709\u9650\u516c\u53f8\u7de8\u88fd\uff0c\u50c5\u4f9b\u53c3\u8003\uff0c\u4e0d\u69cb\u6210\u4efb\u4f55\u91d1\u878d\u5546\u54c1\u4e4b\u8981\u7d04\u3001\u62db\u652c\u6216\u63a8\u4ecb\uff0c\u4ea6\u975e\u91dd\u5c0d\u7279\u5b9a\u6295\u8cc7\u4eba\u4e4b\u500b\u5225\u6295\u8cc7\u5efa\u8b70\u6216\u6cd5\u5f8b\u3001\u7a05\u52d9\u610f\u898b\u3002\u6587\u4e2d\u8a66\u7b97\u4e4b\u85aa\u8cc7\u3001\u5e74\u8cc7\u3001\u5831\u916c\u7387\u8207\u751f\u6d3b\u8cbb\u5747\u70ba\u5047\u8a2d\u60c5\u5883\uff0c\u5be6\u969b\u7d66\u4ed8\u4ee5\u52de\u52d5\u90e8\u52de\u5de5\u4fdd\u96aa\u5c40\u3001\u9293\u6558\u90e8\u3001\u81fa\u7063\u9280\u884c\u516c\u6559\u4fdd\u96aa\u90e8\u7b49\u4e3b\u7ba1\u6216\u627f\u8fa6\u6a5f\u95dc\u5be9\u5b9a\u70ba\u6e96\uff1b\u76f8\u95dc\u6cd5\u898f\u5982\u6709\u4fee\u6b63\uff0c\u4ee5\u6700\u65b0\u516c\u5e03\u5167\u5bb9\u70ba\u6e96\u3002\u963f\u723e\u767c\u8b49\u5238\u6295\u8cc7\u9867\u554f\u80a1\u4efd\u6709\u9650\u516c\u53f8\u3000115\u91d1\u7ba1\u6295\u9867\u65b0\u5b57\u7b2c019\u865f<\/p>","protected":false},"excerpt":{"rendered":"<p>\u9000\u4f11\u91d1\u600e\u9ebc\u7b97\uff1f\u52de\u4fdd\u3001\u52de\u9000\u3001\u516c\u4fdd\u3001\u516c\u6559\u9000\u64ab\u3001\u570b\u4fdd\u5404\u81ea\u8a66\u7b97\u5f8c\u52a0\u7e3d\uff0c\u770b\u6240\u5f97\u66ff\u4ee3\u7387\u5920\u4e0d\u5920\u3002<\/p>\n","protected":false},"author":2,"featured_media":14471,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"advanced_seo_description":"\u9000\u4f11\u91d1\u600e\u9ebc\u7b97\uff1f\u52de\u4fdd\u3001\u52de\u9000\u3001\u516c\u4fdd\u3001\u516c\u6559\u9000\u64ab\u3001\u570b\u4fdd\u5404\u81ea\u8a66\u7b97\u5f8c\u52a0\u7e3d\uff0c\u770b\u6240\u5f97\u66ff\u4ee3\u7387\u5920\u4e0d\u5920\u3002","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_seo_schema_type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[16],"tags":[657,659,658,655,656,470],"class_list":["post-14465","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-16","tag-657","tag-659","tag-658","tag-655","tag-656","tag-470"],"blocksy_meta":[],"jetpack_sharing_enabled":true,"jetpack-related-posts":[],"jetpack_featured_media_url":"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/07\/jakub-zerdzicki-Z4kCtJKCP34-unsplash-scaled.jpg","_links":{"self":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/14465","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=14465"}],"version-history":[{"count":6,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/14465\/revisions"}],"predecessor-version":[{"id":16895,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/14465\/revisions\/16895"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/media\/14471"}],"wp:attachment":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=14465"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=14465"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=14465"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}