{"id":15280,"date":"2026-04-24T18:47:05","date_gmt":"2026-04-24T10:47:05","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=15280"},"modified":"2026-10-27T10:34:08","modified_gmt":"2026-10-27T02:34:08","slug":"2026-%e5%8f%b0%e7%81%a3%e4%bc%81%e6%a5%ad%e7%a6%8f%e5%88%a9%e5%a4%a7%e8%aa%bf%e6%9f%a5%ef%bc%9a30-%e5%80%8b%e9%97%9c%e9%8d%b5%e6%95%b8%e5%ad%97%ef%bc%8c%e6%8f%ad%e9%9c%b2%e7%95%99%e6%89%8d%e8%88%87","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=15280","title":{"rendered":"\u53f0\u7063\u4f01\u696d\u798f\u5229\u8abf\u67e5\uff1a12 \u500b\u6578\u5b57\u770b\u54e1\u5de5\u6700\u60f3\u8981\u7684\u798f\u5229"},"content":{"rendered":"<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/06\/pexels-timo-volz-837240-9363391.jpg\" alt=\"\u8fa6\u516c\u5ba4\u88e1\u7684\u54e1\u5de5\u5728\u6703\u8b70\u684c\u65c1\u8a0e\u8ad6\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u300c\u54e1\u5de5\u5230\u5e95\u60f3\u8981\u4ec0\u9ebc\u798f\u5229\uff1f\u300d<\/p>\n\n<p class=\"wp-block-paragraph\">\u8ddf\u4f01\u696d\u4e3b\u3001\u4eba\u8cc7\u4e3b\u7ba1\u958b\u6703\u6642\uff0c\u9019\u984c\u5e7e\u4e4e\u6bcf\u6b21\u90fd\u6703\u51fa\u73fe\uff0c2026 \u5e74\u5e7e\u4efd\u8abf\u67e5\u7684\u7b54\u6848\u5176\u5be6\u5f88\u4e00\u81f4\uff0c74% \u7684\u53f0\u7063\u4f01\u696d\u63d0\u4f9b\u5e74\u7d42\u734e\u91d1\uff0c\u662f\u6700\u666e\u53ca\u7684\u54e1\u5de5\u798f\u5229\uff08Edenred \u5b9c\u777f\u667a\u6167\u8207 104 \u4eba\u529b\u9280\u884c\uff0c2026-09-08\uff09<sup>[1]<\/sup>\uff0c\u4e0a\u73ed\u65cf\u6700\u91cd\u8996\u7684\u798f\u5229\uff0c\u7b2c\u4e00\u540d\u4e5f\u662f\u5e74\u7d42\u734e\u91d1\uff0c\u5360 88.1%\uff081111 \u4eba\u529b\u9280\u884c\uff0c2026-06-18\uff09<sup>[2]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7d66\u7684\u548c\u8981\u7684\u5728\u73fe\u91d1\u4e0a\u5927\u81f4\u5c0d\u5f97\u8d77\u4f86\uff0c\u843d\u5dee\u5728\u9000\u4f11\uff0c\u52de\u52d5\u90e8\u8abf\u67e5\u6709 82% \u7684\u52de\u5de5\u9084\u6c92\u898f\u5283\u9000\u4f11\u5e74\u9f61<sup>[3]<\/sup>\uff0c\u52de\u9000\u81ea\u63d0\u4eba\u6578\u53ea\u5360\u63d0\u7e73\u4eba\u6578\u7d04\u5169\u6210<sup>[4]<\/sup>\uff0c\u5404\u7a2e\u7559\u624d\u5de5\u5177\u600e\u9ebc\u6bd4\u8f03\uff0c\u898b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=15276\">\u4f01\u696d\u7559\u624d\u8a08\u756b<\/a>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6211\u89ba\u5f97\u798f\u5229\u5f88\u50cf\u4e00\u4efd\u83dc\u55ae\uff0c\u4f01\u696d\u7aef\u4e0a\u684c\u7684\u3001\u54e1\u5de5\u6703\u9ede\u7684\uff0c\u591a\u534a\u662f\u99ac\u4e0a\u5403\u5f97\u5230\u7684\u83dc\uff0c\u8981\u63d0\u524d\u597d\u5e7e\u5e74\u6162\u6162\u71ac\u7684\u90a3\u4e00\u934b\u6e6f\uff0c\u5f88\u5c11\u6709\u4eba\u9ede\uff0c\u4e5f\u5f88\u5c11\u6709\u4eba\u716e\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">12 \u500b\u6578\u5b57\u90fd\u4f86\u81ea\u653f\u5e9c\u7d71\u8a08\u6216\u5177\u540d\u8abf\u67e5\uff0c\u6bcf\u4e00\u9805\u90fd\u9644\u4e86\u767c\u5e03\u65e5\u671f\u8207\u4f86\u6e90\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u4f01\u696d\u798f\u5229\u8abf\u67e5 12 \u500b\u6578\u5b57<\/h2>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>#<\/th>\n<th>\u6578\u5b57<\/th>\n<th>\u4ee3\u8868\u4ec0\u9ebc<\/th>\n<th>\u65e5\u671f<\/th>\n<th>\u4f86\u6e90<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1<\/td>\n<td>74%<\/td>\n<td>\u63d0\u4f9b\u5e74\u7d42\u734e\u91d1\u7684\u4f01\u696d\u6bd4\u4f8b\uff0c\u6240\u6709\u798f\u5229\u9805\u76ee\u7b2c\u4e00<\/td>\n<td>2026-09-08<\/td>\n<td>Edenred \u00d7 104<sup>[1]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>2<\/td>\n<td>88.1%<\/td>\n<td>\u4e0a\u73ed\u65cf\u6700\u91cd\u8996\u7684\u798f\u5229\u662f\u5e74\u7d42\u734e\u91d1<\/td>\n<td>2026-06-18<\/td>\n<td>1111 \u4eba\u529b\u9280\u884c<sup>[2]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>3<\/td>\n<td>66%<\/td>\n<td>\u52de\u5de5\u5e0c\u671b\u516c\u53f8\u63d0\u4f9b\u7684\u5de5\u4f5c\u751f\u6d3b\u5e73\u8861\u63aa\u65bd\uff0c\u300c\u798f\u5229\u63aa\u65bd\u300d\u6392\u7b2c\u4e00<\/td>\n<td>2026-01-23<\/td>\n<td>\u52de\u52d5\u90e8<sup>[3]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>4<\/td>\n<td>63%<\/td>\n<td>\u54e1\u5de5\u6700\u60f3\u8981\u7684 AI \u652f\u63f4\u662f AI \u5de5\u5177\u8a02\u95b1\u88dc\u52a9<\/td>\n<td>2026-09-08<\/td>\n<td>Edenred \u00d7 104<sup>[1]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>5<\/td>\n<td>68.9%<\/td>\n<td>\u5c0d\u5de5\u4f5c\u6574\u9ad4\u4e0d\u6eff\u610f\u7684\u4eba\u7576\u4e2d\uff0c\u4e0d\u6eff\u610f\u5de5\u8cc7\u7684\u6bd4\u4f8b<\/td>\n<td>2026-01-23<\/td>\n<td>\u52de\u52d5\u90e8<sup>[3]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>6<\/td>\n<td>82%<\/td>\n<td>\u5c1a\u672a\u898f\u5283\u9000\u4f11\u5e74\u9f61\u7684\u52de\u5de5<\/td>\n<td>2026-01-23<\/td>\n<td>\u52de\u52d5\u90e8<sup>[3]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>7<\/td>\n<td>\u8fd1 43%<\/td>\n<td>\u5df2\u898f\u5283\u9000\u4f11\u751f\u6d3b\u8cbb\u8005\uff0c\u9810\u671f\u4f86\u81ea\u52de\u4fdd\u8207\u52de\u9000\u7684\u6bd4\u91cd<\/td>\n<td>2026-01-23<\/td>\n<td>\u52de\u52d5\u90e8<sup>[3]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>8<\/td>\n<td>20.13%<\/td>\n<td>\u52de\u9000\u500b\u4eba\u81ea\u9858\u63d0\u7e73\u4eba\u6578\u5360\u5168\u9ad4\u63d0\u7e73\u4eba\u6578\uff082026 \u5e74 7 \u6708\u5e95\uff09<\/td>\n<td>2026-09-15<\/td>\n<td>\u52de\u52d5\u90e8\u52de\u5de5\u4fdd\u96aa\u5c40<sup>[4]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>9<\/td>\n<td>20.70%<\/td>\n<td>65 \u6b72\u4ee5\u4e0a\u4eba\u53e3\u5360\u7e3d\u4eba\u53e3\uff082026 \u5e74 9 \u6708\u5e95\uff09<\/td>\n<td>2026-10-08<\/td>\n<td>\u5167\u653f\u90e8<sup>[6]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>10<\/td>\n<td>63.2%<\/td>\n<td>OECD \u5e73\u5747\u6de8\u6240\u5f97\u66ff\u4ee3\u7387\uff08\u5e73\u5747\u6240\u5f97\u8005\u3001\u5f37\u5236\u6027\u5e74\u91d1\uff09<\/td>\n<td>2025-11<\/td>\n<td>OECD<sup>[8]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>11<\/td>\n<td>59%<\/td>\n<td>\u5c0d\u81ea\u8eab\u8ca1\u52d9\u611f\u5230\u58d3\u529b\u7684\u7f8e\u570b\u54e1\u5de5<\/td>\n<td>2026 \u5e74\uff082026-01 \u8abf\u67e5\uff09<\/td>\n<td>PwC<sup>[9]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>12<\/td>\n<td>69%<\/td>\n<td>\u4f7f\u7528 10 \u9805\u4ee5\u4e0a\u975e\u91ab\u7642\u798f\u5229\u7684\u7f8e\u570b\u54e1\u5de5\uff0c\u81ea\u8a55\u6574\u9ad4\u5065\u5eb7\u7684\u53ef\u80fd\u6027\u8f03\u9ad8\u7684\u5e45\u5ea6<\/td>\n<td>2026-01-07<\/td>\n<td>MetLife<sup>[10]<\/sup><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<h2 class=\"wp-block-heading\">\u4f01\u696d\u6700\u5e38\u7d66\u54ea\u4e9b\u798f\u5229\uff1a\u734e\u91d1\u8207\u7bc0\u6176\u578b\u70ba\u4e3b<\/h2>\n\n<p class=\"wp-block-paragraph\">Edenred \u5b9c\u777f\u667a\u6167\u8207 104 \u4eba\u529b\u9280\u884c\u7684\u300a2026 \u54e1\u5de5\u798f\u5229\u5927\u8abf\u67e5\u300b\u6db5\u84cb 38,169 \u5bb6\u4f01\u696d\u8207 1,145 \u540d\u4e0a\u73ed\u65cf<sup>[1]<\/sup>\uff0c\u63d0\u4f9b\u6bd4\u4f8b\u6700\u9ad8\u7684\u516d\u9805\u798f\u5229\u5982\u4e0b\uff1a<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u798f\u5229\u9805\u76ee<\/th>\n<th>\u63d0\u4f9b\u7684\u4f01\u696d\u6bd4\u4f8b<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u5e74\u7d42\u734e\u91d1<\/td>\n<td>74%<\/td>\n<\/tr>\n<tr>\n<td>\u4e09\u7bc0\u734e\u91d1\u6216\u79ae\u54c1<\/td>\n<td>67%<\/td>\n<\/tr>\n<tr>\n<td>\u90e8\u9580\u805a\u9910<\/td>\n<td>51%<\/td>\n<\/tr>\n<tr>\n<td>\u54e1\u5de5\u5718\u9ad4\u4fdd\u96aa<\/td>\n<td>47%<\/td>\n<\/tr>\n<tr>\n<td>\u54e1\u5de5\u7d05\u5229<\/td>\n<td>44%<\/td>\n<\/tr>\n<tr>\n<td>\u570b\u5167\u65c5\u904a<\/td>\n<td>40%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1aEdenred \u5b9c\u777f\u667a\u6167 \u00d7 104 \u4eba\u529b\u9280\u884c\uff0c2026-09-08<sup>[1]<\/sup><\/p>\n\n<p class=\"wp-block-paragraph\">\u524d\u516d\u540d\u4ee5\u73fe\u91d1\u548c\u7bc0\u6176\u578b\u798f\u5229\u70ba\u4e3b\uff0c\u6c92\u6709\u9000\u4f11\u6216\u9577\u671f\u5132\u84c4\u985e\u7684\u9805\u76ee\uff0c\u9019\u985e\u798f\u5229\u54e1\u5de5\u7acb\u523b\u611f\u53d7\u5f97\u5230\uff0c\u4e0d\u904e\u9818\u5b8c\u5c31\u7d50\u675f\uff0c\u4e0d\u6703\u7d2f\u7a4d\u6210\u9577\u671f\u4fdd\u969c\uff08\u50cf\u4e00\u9813\u805a\u9910\uff0c\u5403\u5f97\u5f88\u958b\u5fc3\uff0c\u9694\u5929\u5c31\u6d88\u5316\u5b8c\u4e86\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u540c\u4e00\u4efd\u8abf\u67e5\u4e5f\u770b\u5230\u798f\u5229\u767c\u653e\u65b9\u5f0f\u5728\u6539\u8b8a\uff0c\u54e1\u5de5\u504f\u597d\u96fb\u5b50\u79ae\u5238\u7684\u6bd4\u4f8b\u7531 2025 \u5e74\u7684 36% \u5347\u5230 2026 \u5e74\u7684 55%\uff0c\u4f01\u696d\u63a1\u7528\u96fb\u5b50\u79ae\u5238\u7684\u6bd4\u4f8b\u5347\u5230 40%\uff0c\u9996\u5ea6\u8d85\u904e\u7d19\u672c\u79ae\u5238<sup>[1]<\/sup>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u54e1\u5de5\u6700\u60f3\u8981\u7684\u798f\u5229\uff1a\u4e09\u4efd\u8abf\u67e5\uff0c\u4e09\u7a2e\u554f\u6cd5<\/h2>\n\n<p class=\"wp-block-paragraph\">\u300c\u54e1\u5de5\u6700\u60f3\u8981\u4ec0\u9ebc\u798f\u5229\u300d\u6c92\u6709\u55ae\u4e00\u7b54\u6848\uff0c\u56e0\u70ba\u6bcf\u4efd\u8abf\u67e5\u7684\u554f\u6cd5\u4e0d\u540c\uff0c\u4e09\u4efd 2026 \u5e74\u767c\u5e03\u7684\u8abf\u67e5\u653e\u5728\u4e00\u8d77\u770b\uff1a<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u8abf\u67e5<\/th>\n<th>\u554f\u6cd5<\/th>\n<th>\u7b2c\u4e00\u540d<\/th>\n<th>\u5176\u5f8c<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1111 \u4eba\u529b\u9280\u884c\uff0c2026-06-18\uff0c1,103 \u4efd<sup>[2]<\/sup><\/td>\n<td>\u6700\u91cd\u8996\u7684\u798f\u5229<\/td>\n<td>\u5e74\u7d42\u734e\u91d1 88.1%<\/td>\n<td>\u4f11\u5047\u5929\u6578 62.3%\u3001\u54e1\u5de5\u5206\u7d05 52.6%\u3001\u7e3e\u6548\u734e\u91d1 47.3%\u3001\u5f48\u6027\u5de5\u6642 40.8%<\/td>\n<\/tr>\n<tr>\n<td>\u52de\u52d5\u90e8\uff0c2026-01-23\uff0c4,029 \u4efd<sup>[3]<\/sup><\/td>\n<td>\u5e0c\u671b\u516c\u53f8\u63d0\u4f9b\u7684\u5de5\u4f5c\u751f\u6d3b\u5e73\u8861\u63aa\u65bd\uff08\u6700\u591a\u9078 3 \u9805\uff09<\/td>\n<td>\u798f\u5229\u63aa\u65bd 66%<\/td>\n<td>\u512a\u65bc\u6cd5\u4ee4\u7684\u7d66\u5047 47.2%\u3001\u5f48\u6027\u5de5\u4f5c\u5b89\u6392 44.7%<\/td>\n<\/tr>\n<tr>\n<td>Edenred \u00d7 104\uff0c2026-09-08<sup>[1]<\/sup><\/td>\n<td>\u6700\u60f3\u8981\u7684 AI \u652f\u63f4\uff1b\u7da0\u8272\u798f\u5229<\/td>\n<td>AI \u5de5\u5177\u8a02\u95b1\u88dc\u52a9 63%<\/td>\n<td>\u7da0\u8272\u5546\u54c1\u88dc\u52a9 53%\u3001\u7da0\u8272\u901a\u52e4\u88dc\u52a9 51%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u4e09\u4efd\u8abf\u67e5\u7684\u5171\u540c\u9ede\uff0c\u662f\u54e1\u5de5\u6392\u5728\u524d\u9762\u7684\u90fd\u662f\u770b\u5f97\u5230\u3001\u99ac\u4e0a\u7528\u5f97\u5230\u7684\u6771\u897f\uff0c\u5305\u62ec\u73fe\u91d1\u3001\u5047\u3001\u6642\u9593\u5f48\u6027\u3001\u5de5\u5177\u88dc\u52a9\uff0c\u516c\u958b\u7684\u524d\u5e7e\u540d\u88e1\u90fd\u6c92\u6709\u9000\u4f11\u6216\u9577\u671f\u5132\u84c4\u9805\u76ee\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9000\u4f11\u96e2\u5f97\u9060\u3001\u7b97\u4e0d\u6e05\u695a\uff0c\u6240\u4ee5\u5f88\u5c11\u88ab\u54e1\u5de5\u4e3b\u52d5\u5217\u70ba\u300c\u60f3\u8981\u7684\u798f\u5229\u300d\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u52d5\u90e8\u540c\u4e00\u4efd\u8abf\u67e5\u986f\u793a\uff0c\u5c0d\u5de5\u4f5c\u6574\u9ad4\u4e0d\u6eff\u610f\u7684\u4eba\u7576\u4e2d\uff0c68.9% \u4e0d\u6eff\u610f\u5de5\u8cc7\uff0c\u50c5\u6b21\u65bc\u8003\u6838\u8207\u5347\u9077\u7684 75.5%<sup>[3]<\/sup>\uff0c\u85aa\u8cc7\u4ecd\u662f\u9580\u6abb\uff0c\u4e3b\u83dc\u6c92\u4e0a\u597d\uff0c\u5176\u4ed6\u83dc\u518d\u591a\u4e5f\u88dc\u4e0d\u56de\u4f86\u3002<\/p>\n\n\n<div class=\"wp-block-group alpha-cta alpha-cta-mid alpha-cta-inst 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>\u60f3\u770b\u5176\u4ed6\u4f01\u696d\u600e\u9ebc\u8a2d\u8a08\u7559\u624d\u65b9\u6848\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\/4aab5rKl\" style=\"border-radius:50px;color:#ffffff;background-color:#c9a961;border:2px solid #c9a961;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>\u514d\u8cbb\u9818\u53d6\u300a\u4f01\u696d\u7559\u624d\u7b56\u7565\u6307\u5357\u300b<\/strong><\/a><\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u843d\u5dee\u5728\u9000\u4f11\uff1a\u798f\u5229\u666e\u53ca\uff0c\u9577\u671f\u6e96\u5099\u591a\u6578\u6c92\u505a<\/h2>\n\n<p class=\"wp-block-paragraph\">\u52de\u52d5\u90e8\u300a114 \u5e74\u52de\u5de5\u751f\u6d3b\u53ca\u5c31\u696d\u72c0\u6cc1\u8abf\u67e5\u300b\u986f\u793a\uff0c82% \u7684\u52de\u5de5\u5c1a\u672a\u898f\u5283\u9000\u4f11\u5e74\u9f61\uff0c\u7d04 29% \u6c92\u6709\u9000\u4f11\u5f8c\u751f\u6d3b\u8cbb\u7684\u898f\u5283<sup>[3]<\/sup>\uff0c\u5df2\u898f\u5283\u7684\u4eba\uff0c\u9810\u671f\u9000\u4f11\u751f\u6d3b\u8cbb\u8fd1 43% \u4f86\u81ea\u52de\u4fdd\u8207\u52de\u9000\uff0c\u5176\u9918\u4f9d\u5e8f\u662f\u5132\u84c4 24%\u3001\u6295\u8cc7\u6536\u5165 21%\u3001\u518d\u5c31\u696d\u6536\u5165\u8fd1 10%<sup>[3]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u9000\u65b9\u9762\uff0c\u52de\u5de5\u9000\u4f11\u91d1\u689d\u4f8b\u7b2c 14 \u689d\u898f\u5b9a\u96c7\u4e3b\u6bcf\u6708\u63d0\u7e73\u4e0d\u5f97\u4f4e\u65bc\u5de5\u8cc7\u7684 6%\uff0c\u52de\u5de5\u53ef\u53e6\u5728 6% \u4ee5\u5167\u81ea\u9858\u63d0\u7e73\uff0c\u81ea\u63d0\u91d1\u984d\u53ef\u5f9e\u7576\u5e74\u5ea6\u7d9c\u5408\u6240\u5f97\u7e3d\u984d\u4e2d\u5168\u6578\u6263\u9664<sup>[5]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u5c40\u7d71\u8a08\uff0c2026 \u5e74 7 \u6708\u5e95\u500b\u4eba\u81ea\u9858\u63d0\u7e73 158 \u842c 3,671 \u4eba\uff0c\u5360\u5168\u9ad4\u63d0\u7e73\u4eba\u6578 786 \u842c 6,556 \u4eba\u7684 20.13%<sup>[4]<\/sup>\uff0c\u7d04\u516b\u6210\u52de\u5de5\u7684\u52de\u9000\u5c08\u6236\u53ea\u6709\u96c7\u4e3b\u63d0\u7e73\u7684\u90e8\u5206\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u570b\u969b\u4e0a\uff0cOECD\u300aPensions at a Glance 2025\u300b\u4f30\u8a08\u5e73\u5747\u6240\u5f97\u8005\u5f9e\u5f37\u5236\u6027\u5e74\u91d1\u5236\u5ea6\u9818\u5230\u7684\u6de8\u6240\u5f97\u66ff\u4ee3\u7387\uff08net replacement rate\uff09\uff0cOECD \u5e73\u5747\u70ba 63.2%\uff0c\u52a0\u8a08\u81ea\u9858\u6027\u5236\u5ea6\u70ba 69.2%\uff08\u53f0\u7063\u672a\u5217\u5165\u6bd4\u8f03\uff09<sup>[8]<\/sup>\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u8a66\u7b97\uff1a\u96c7\u4e3b\u63d0\u7e73\u8207\u52de\u5de5\u81ea\u63d0 6%\uff0c\u4e00\u5e74\u5404\u662f\u591a\u5c11<\/h3>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th style=\"text-align: right;\">\u6708\u63d0\u7e73\u5de5\u8cc7<\/th>\n<th style=\"text-align: right;\">\u96c7\u4e3b 6% \u4e00\u5e74<\/th>\n<th style=\"text-align: right;\">\u52de\u5de5\u81ea\u63d0 6% \u4e00\u5e74<\/th>\n<th style=\"text-align: right;\">\u81ea\u63d0\u53ef\u7bc0\u7701\u6240\u5f97\u7a05\uff08\u908a\u969b\u7a05\u7387 5%\uff09<\/th>\n<th style=\"text-align: right;\">\u96d9\u65b9 20 \u5e74\u5408\u8a08\u672c\u91d1<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: right;\">30,000 \u5143<\/td>\n<td style=\"text-align: right;\">21,600 \u5143<\/td>\n<td style=\"text-align: right;\">21,600 \u5143<\/td>\n<td style=\"text-align: right;\">1,080 \u5143<\/td>\n<td style=\"text-align: right;\">864,000 \u5143<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: right;\">48,738 \u5143\uff082026 \u5e74 7 \u6708\u5e73\u5747\uff09<\/td>\n<td style=\"text-align: right;\">35,091 \u5143<\/td>\n<td style=\"text-align: right;\">35,091 \u5143<\/td>\n<td style=\"text-align: right;\">1,755 \u5143<\/td>\n<td style=\"text-align: right;\">1,403,640 \u5143<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: right;\">80,000 \u5143<\/td>\n<td style=\"text-align: right;\">57,600 \u5143<\/td>\n<td style=\"text-align: right;\">57,600 \u5143<\/td>\n<td style=\"text-align: right;\">2,880 \u5143<\/td>\n<td style=\"text-align: right;\">2,304,000 \u5143<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\u5047\u8a2d\uff1a\u63d0\u7e73\u5de5\u8cc7 20 \u5e74\u4e0d\u8b8a\uff0c\u4e0d\u8a08\u6295\u8cc7\u6536\u76ca\u3001\u8abf\u85aa\u8207\u52de\u9000\u6708\u63d0\u7e73\u5de5\u8cc7\u5206\u7d1a\u8868\u7684\u7d1a\u8ddd\uff0c\u7bc0\u7a05\u4ee5\u908a\u969b\u7a05\u7387 5% \u8a08\uff0c\u9069\u7528 12% \u4ee5\u4e0a\u7a05\u7387\u8005\u7bc0\u7a05\u8f03\u591a\uff1b\u516c\u5f0f\u70ba\u6708\u63d0\u7e73\u5de5\u8cc7 \u00d7 6% \u00d7 12 \uff1d \u4e00\u5e74\u63d0\u7e73\uff0c20 \u5e74\u5408\u8a08\u672c\u91d1 \uff1d\uff08\u96c7\u4e3b\uff0b\u81ea\u63d0\uff09\u00d7 20\u3002\u52de\u9000\u5c08\u6236\u600e\u9ebc\u8a66\u7b97\u3001\u600e\u9ebc\u8acb\u9818\uff0c\u898b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13124\">\u52de\u5de5\u9000\u4f11\u91d1\u600e\u9ebc\u7b97<\/a>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5f9e\u8868\u4e0a\u770b\uff0c\u6709\u6c92\u6709\u81ea\u63d0\uff0c20 \u5e74\u5f8c\u7684\u52de\u9000\u672c\u91d1\u5c31\u5dee\u4e00\u500d\uff0c\u9019\u4e00\u6bb5\u662f\u4f01\u696d\u798f\u5229\u76ee\u524d\u7167\u9867\u6700\u5c11\u7684\u5730\u65b9\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4f01\u696d\u82e5\u60f3\u5728\u6cd5\u5b9a 6% \u4e4b\u5916\u66ff\u54e1\u5de5\u591a\u6e96\u5099\uff0c\u53ef\u7528\u7684\u5de5\u5177\u6709\u54e1\u5de5\u6301\u80a1\u4fe1\u8a17\u8207\u54e1\u5de5\u798f\u5132\u4fe1\u8a17\u7b49\uff0c\u6bd4\u8f03\u898b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=15276\">\u4f01\u696d\u7559\u624d\u8a08\u756b<\/a>\u7684\u4e03\u7a2e\u5de5\u5177\u6bd4\u8f03\u8868\uff0c\u798f\u5132\u4fe1\u8a17\u7684\u5e38\u898b\u554f\u984c\u898b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=15332\">\u54e1\u5de5\u798f\u5132\u4fe1\u8a17\u8a2d\u8a08\u5e38\u898b\u554f\u984c\u96c6<\/a>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u4eba\u624d\u4f9b\u7d66\uff1a\u70ba\u4ec0\u9ebc\u798f\u5229\u984c\u76ee\u8d8a\u4f86\u8d8a\u91cd\u8981<\/h2>\n\n<p class=\"wp-block-paragraph\">\u5167\u653f\u90e8\u7d71\u8a08\uff0c2026 \u5e74 9 \u6708\u5e95\u53f0\u7063\u7e3d\u4eba\u53e3 2,321 \u842c 3,251 \u4eba\uff0c65 \u6b72\u4ee5\u4e0a 480 \u842c 6,053 \u4eba\uff0c\u5360 20.70%\uff0c15 \u81f3 64 \u6b72\u5de5\u4f5c\u5e74\u9f61\u4eba\u53e3\u5360 68.07%<sup>[6]<\/sup>\uff0c\u53f0\u7063\u5df2\u5728 2025 \u5e74\u5e95\u9032\u5165\u8d85\u9ad8\u9f61\u793e\u6703\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u570b\u767c\u6703 2026 \u5e74 8 \u6708\u767c\u5e03\u7684\u4eba\u53e3\u63a8\u4f30\uff0c2025 \u5e74\u7e3d\u751f\u80b2\u7387\u70ba 0.695 \u4eba\uff0c\u4e2d\u63a8\u4f30\u4e0b\uff0c\u5de5\u4f5c\u5e74\u9f61\u4eba\u53e3\u5360\u6bd4\u5c07\u7531 2026 \u5e74\u7d04 67.9% \u964d\u5230 2075 \u5e74\u7d04 42.3%\uff0c\u7e3d\u4eba\u53e3\u964d\u5230\u7d04 1,215 \u842c\u4eba<sup>[7]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u65b0\u9032\u4eba\u624d\u8b8a\u5c11\u3001\u73fe\u6709\u54e1\u5de5\u5e73\u5747\u5e74\u9f61\u8b8a\u9ad8\uff0c\u7559\u4f4f\u73fe\u6709\u7684\u4eba\u6bd4\u627e\u65b0\u4eba\u66f4\u91cd\u8981\uff0c\u54e1\u5de5\u5e74\u9f61\u8d8a\u9ad8\uff0c\u9000\u4f11\u6e96\u5099\u5728\u798f\u5229\u88e1\u7684\u4efd\u91cf\u4e5f\u8d8a\u91cd\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u570b\u969b\u8abf\u67e5\uff1a\u8ca1\u52d9\u58d3\u529b\u8207\u798f\u5229\u6578\u91cf<\/h2>\n\n<p class=\"wp-block-paragraph\">\u53f0\u7063\u7684\u8abf\u67e5\u591a\u554f\u300c\u60f3\u8981\u4ec0\u9ebc\u300d\uff0c\u570b\u969b\u8abf\u67e5\u5247\u591a\u770b\u798f\u5229\u5c0d\u54e1\u5de5\u72c0\u614b\u7684\u5f71\u97ff\uff0c\u6a23\u672c\u4ee5\u7f8e\u570b\u70ba\u4e3b\uff0c\u9069\u5408\u770b\u65b9\u5411\uff1a<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u6578\u64da<\/th>\n<th>\u503c<\/th>\n<th>\u65e5\u671f<\/th>\n<th>\u4f86\u6e90<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u5c0d\u81ea\u8eab\u8ca1\u52d9\u611f\u5230\u58d3\u529b\u7684\u54e1\u5de5<\/td>\n<td>59%<\/td>\n<td>2026-01 \u8abf\u67e5\uff0c\u7d04 3,500 \u4eba<\/td>\n<td>PwC<sup>[9]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u8a8d\u70ba\u85aa\u916c\u8ddf\u4e0d\u4e0a\u751f\u6d3b\u6210\u672c<\/td>\n<td>49%<\/td>\n<td>\u540c\u4e0a<\/td>\n<td>PwC<sup>[9]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u7dca\u6025\u9810\u5099\u91d1\u4e0d\u5230 5,000 \u7f8e\u5143<\/td>\n<td>53%<\/td>\n<td>\u540c\u4e0a<\/td>\n<td>PwC<sup>[9]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u54e1\u5de5\u81ea\u8a55\u5fe0\u8aa0\u5ea6<\/td>\n<td>77%\uff082025 \u5e74 73%\uff09<\/td>\n<td>2026-01-07<\/td>\n<td>MetLife<sup>[10]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u4f7f\u7528 5 \u9805\u4ee5\u4e0a\u975e\u91ab\u7642\u798f\u5229\u8005\uff0c\u81ea\u8a55\u6574\u9ad4\u5065\u5eb7\u7684\u53ef\u80fd\u6027<\/td>\n<td>\u9ad8 38%<\/td>\n<td>2026-01-07<\/td>\n<td>MetLife<sup>[10]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u4f7f\u7528 10 \u9805\u4ee5\u4e0a\u975e\u91ab\u7642\u798f\u5229\u8005\uff0c\u81ea\u8a55\u6574\u9ad4\u5065\u5eb7\u7684\u53ef\u80fd\u6027<\/td>\n<td>\u9ad8 69%<\/td>\n<td>2026-01-07<\/td>\n<td>MetLife<sup>[10]<\/sup><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">MetLife \u540c\u4e00\u4efd\u7814\u7a76\u4e5f\u6307\u51fa\uff0c\u96c7\u4e3b 2026 \u5e74\u6700\u91cd\u8996\u7684\u798f\u5229\u76ee\u6a19\u9996\u5ea6\u6539\u70ba\u300c\u63a7\u5236\u91ab\u7642\u6210\u672c\u300d\uff0c\u6392\u5728\u751f\u7522\u529b\u3001\u5fe0\u8aa0\u5ea6\u8207\u5438\u5f15\u4eba\u624d\u4e4b\u524d<sup>[10]<\/sup>\uff0c\u6210\u672c\u58d3\u529b\u4e0b\uff0c\u4f01\u696d\u66f4\u9700\u8981\u77e5\u9053\u54ea\u4e9b\u798f\u5229\u771f\u7684\u88ab\u54e1\u5de5\u7528\u5230\u3001\u611f\u53d7\u5230\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u96e2\u8077\u8981\u82b1\u591a\u5c11\u9322\u3001\u70ba\u4ec0\u9ebc\u52a0\u85aa\u7559\u4e0d\u4f4f\u4eba\uff0c\u570b\u969b\u7814\u7a76\u7684\u6578\u5b57\u898b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=15276\">\u4f01\u696d\u7559\u624d\u8a08\u756b<\/a>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u7528\u9019\u4e9b\u6578\u5b57\u6aa2\u67e5\u81ea\u5df1\u516c\u53f8\u7684\u798f\u5229<\/h2>\n\n<p class=\"wp-block-paragraph\">\u8abf\u67e5\u662f\u5916\u90e8\u5750\u6a19\uff0c\u81ea\u5df1\u516c\u53f8\u7684\u6578\u5b57\u624d\u662f\u5224\u65b7\u4f9d\u64da\uff0c\u53ef\u4ee5\u5148\u770b\u4e09\u9805\uff1a<\/p>\n\n<ol class=\"wp-block-list\">\n<li>\u5e74\u96e2\u8077\u7387\u8207\u96e2\u8077\u8005\u5e74\u8cc7\uff1a\u770b\u554f\u984c\u6709\u591a\u5927\u3001\u96c6\u4e2d\u5728\u54ea\u500b\u5e74\u8cc7\u6bb5\uff0c\u5168\u570b\u540c\u53e3\u5f91\u7684\u5e74\u96e2\u8077\u7387\u76ee\u524d\u6c92\u6709\u53ef\u76f4\u63a5\u5f15\u7528\u7684\u6700\u65b0\u5b98\u65b9\u6578\u5b57\uff0c\u7528\u81ea\u5df1\u516c\u53f8\u7684\u8cc7\u6599\u6700\u6e96<\/li>\n<li>\u54e1\u5de5\u52de\u9000\u81ea\u63d0\u6bd4\u4f8b\uff1a\u5c0d\u7167\u5168\u570b\u7d04 20% 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class=\"wp-block-paragraph\">\u6211\u89ba\u5f97\u9019\u5e7e\u4efd\u8abf\u67e5\u6700\u503c\u5f97\u6ce8\u610f\u7684\uff0c\u662f\u54e1\u5de5\u6c92\u8aaa\u51fa\u53e3\u7684\u90a3\u4e00\u584a\uff0c\u524d\u5e7e\u540d\u88e1\u6c92\u6709\u9000\u4f11\uff0c\u4e26\u4e0d\u4ee3\u8868\u9000\u4f11\u4e0d\u91cd\u8981\uff0c\u53ea\u662f\u5b83\u96e2\u5f97\u592a\u9060\u3001\u592a\u96e3\u7b97\uff0c\u6392\u4e0d\u9032\u300c\u73fe\u5728\u60f3\u8981\u300d\u7684\u540d\u55ae\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">82% \u7684\u52de\u5de5\u9084\u6c92\u898f\u5283\u9000\u4f11\u5e74\u9f61\uff0c\u81ea\u63d0\u52de\u9000\u7684\u4eba\u53ea\u6709\u7d04\u5169\u6210\uff0c\u9019\u5169\u500b\u6578\u5b57\u653e\u5728\u4e00\u8d77\u770b\uff0c\u8aaa\u5be6\u5728\u6709\u9ede\u523a\u773c\uff0c\u5927\u591a\u6578\u4eba\u7684\u9000\u4f11\u6e96\u5099\uff0c\u662f\u4ea4\u7d66\u96c7\u4e3b\u90a3 6% \u548c\u52de\u4fdd\u81ea\u52d5\u5b8c\u6210\u7684\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u5e74\u7d42\u734e\u91d1\u3001\u4e09\u7bc0\u79ae\u54c1\u9019\u4e9b\u83dc\u7167\u6a23\u8981\u4e0a\uff0c\u7562\u7adf\u85aa\u8cc7\u4ecd\u662f\u9580\u6abb\uff0c\u4e0d\u904e\u6211\u89ba\u5f97\u83dc\u55ae\u4e0a\u503c\u5f97\u7559\u4e00\u500b\u4f4d\u7f6e\u7d66\u90a3\u934b\u6162\u6162\u71ac\u7684\u6e6f\uff0c\u54e1\u5de5\u4eca\u5929\u4e0d\u4e00\u5b9a\u6703\u9ede\uff0c\u4f46\u4eba\u53e3\u7d50\u69cb\u4e00\u5e74\u4e00\u5e74\u5f80\u9ad8\u9f61\u8d70\uff0c\u7b49\u54e1\u5de5\u771f\u7684\u9000\u4f11\u90a3\u5929\uff0c\u6700\u88ab\u8a18\u5f97\u7684\uff0c\u53ef\u80fd\u662f\u90a3\u4e00\u934b\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4f01\u696d\u7aef\u51fa\u4ec0\u9ebc\u798f\u5229\uff0c\u6700\u5f8c\u6703\u8b8a\u6210\u54e1\u5de5\u600e\u9ebc\u8a18\u5f97\u9019\u5bb6\u516c\u53f8\u3002<\/p>\n\n<blockquote class=\"wp-block-quote is-layout-flow 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style=\"font-size:clamp(16.834px, 1.052rem + ((1vw - 3.2px) * 0.716), 26px);font-weight:700\">\u4f01\u696d\u7559\u624d\u7b56\u7565\u6307\u5357<\/p>\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u300a\u4f01\u696d\u7559\u624d\u7b56\u7565\u6307\u5357\uff1a2026 \u54e1\u5de5\u8ca1\u52d9\u5065\u5eb7\u8da8\u52e2\u5831\u544a\u300b\uff0c\u52a0\u5165\u5b98\u65b9 LINE \u5373\u53ef\u514d\u8cbb\u9818\u53d6<\/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\/4aab5rKl\" style=\"border-radius:50px;color:#ffffff;background-color:#c9a961;border:2px solid #c9a961;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>\u514d\u8cbb\u9818\u53d6\u300a\u4f01\u696d\u7559\u624d\u7b56\u7565\u6307\u5357\u300b<\/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:\/\/urli.ai\/line\/xJCzccNO\" style=\"border-radius:50px;color:#01235d;background-color:#ffffff;border:2px solid #01235d;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>\u524d\u5f80\u6cd5\u4eba\u5c08\u5340\uff0c\u770b\u670d\u52d9\u5167\u5bb9<\/strong><\/a><\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u5e38\u898b\u554f\u984c<\/h2>\n\n<h3 class=\"wp-block-heading\">\u53f0\u7063\u4f01\u696d\u6700\u5e38\u63d0\u4f9b\u54ea\u4e9b\u54e1\u5de5\u798f\u5229\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u4f9d Edenred \u5b9c\u777f\u667a\u6167\u8207 104 \u4eba\u529b\u9280\u884c 2026-09-08 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\u65e5\uff09\u3002\u52de\u52d5\u90e8\u52de\u5de5\u4fdd\u96aa\u5c40 115 \u5e74 7 \u6708\u76f8\u95dc\u7d71\u8a08\u3002https:\/\/www.mol.gov.tw\/1607\/1632\/2665\/99038\/<\/li>\n<li>\u52de\u5de5\u9000\u4f11\u91d1\u689d\u4f8b\u7b2c 14 \u689d\u3002\u5168\u570b\u6cd5\u898f\u8cc7\u6599\u5eab\u3002https:\/\/law.moj.gov.tw\/LawClass\/LawSingle.aspx?pcode=N0030020&amp;flno=14<\/li>\n<li>\u4e2d\u592e\u901a\u8a0a\u793e\uff082026 \u5e74 10 \u6708 8 \u65e5\uff09\u3002\u53f0\u7063 9 \u6708\u7e3d\u4eba\u53e3\u6578 2321 \u842c\u9918\u4eba \u9023 33 \u500b\u6708\u8ca0\u6210\u9577\uff08\u5f15\u5167\u653f\u90e8 115 \u5e74 9 \u6708\u6236\u53e3\u7d71\u8a08\uff09\u3002https:\/\/www.cna.com.tw\/news\/aipl\/202610080068.aspx<\/li>\n<li>\u570b\u5bb6\u767c\u5c55\u59d4\u54e1\u6703\uff082026 \u5e74 8 \u6708 28 \u65e5\uff09\u3002\u4e2d\u83ef\u6c11\u570b\u4eba\u53e3\u63a8\u4f30\uff082026 \u5e74\u81f3 2075 \u5e74\uff09\u3002https:\/\/www.ndc.gov.tw\/nc_27_40407<\/li>\n<li>OECD. (2025, November). <em>Pensions at a glance 2025: Net pension replacement rates<\/em>. https:\/\/www.oecd.org\/en\/publications\/pensions-at-a-glance-2025_e40274c1-en\/full-report\/net-pension-replacement-rates_a7a9e376<\/li>\n<li>PwC. (2026). <em>2026 employee financial wellness survey<\/em>. https:\/\/www.pwc.com\/us\/en\/services\/consulting\/human-resources\/library\/employee-financial-wellness-survey.html<\/li>\n<li>MetLife. (2026, January 7). <em>New MetLife data finds rising cost pressures outpacing gains in workforce well-being<\/em>. https:\/\/www.metlife.com\/about-us\/newsroom\/2026\/january\/new-metlife-data-finds-rising-cost-pressures-outpacing-gains-in-workforce-well-being\/<\/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\u7a05\u52d9\u610f\u898b\uff1b\u7a05\u52d9\u898f\u5b9a\u4ee5\u4e3b\u7ba1\u6a5f\u95dc\u516c\u5e03\u4e4b\u6cd5\u898f\u3001\u5b50\u6cd5\u8207\u51fd\u4ee4\u70ba\u6e96\uff0c\u5be6\u969b\u9069\u7528\u8acb\u6d3d\u6703\u8a08\u5e2b\u3002\u6587\u4e2d\u60c5\u5883\u8a66\u7b97\u70ba\u5047\u8a2d\u689d\u4ef6\u4e0b\u4e4b\u7d50\u679c\uff0c\u975e\u5c0d\u672a\u4f86\u4e4b\u9810\u6e2c\u6216\u4fdd\u8b49\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>\u4f01\u696d\u798f\u5229\u8abf\u67e5 12 \u500b\u6578\u5b57\uff1a\u4f01\u696d\u6700\u5e38\u7d66\u5e74\u7d42\u734e\u91d1\uff0c\u54e1\u5de5\u6700\u60f3\u8981\u4ec0\u9ebc\uff1f\u9000\u4f11\u6e96\u5099\u7f3a\u5728\u54ea\uff0c\u9644\u52de\u9000\u81ea\u63d0\u8a66\u7b97\u3002<\/p>\n","protected":false},"author":14,"featured_media":17408,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_llm_markdown_disabled":false},"categories":[564],"tags":[749,750,621,752,751,753,754],"class_list":["post-15280","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-564","tag-749","tag-750","tag-621","tag-752","tag-751","tag-753","tag-754"],"jetpack_sharing_enabled":true,"jetpack-related-posts":[],"jetpack_featured_media_url":"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/10\/00-cover-157.png","_links":{"self":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/15280","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\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=15280"}],"version-history":[{"count":8,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/15280\/revisions"}],"predecessor-version":[{"id":19347,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/15280\/revisions\/19347"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/media\/17408"}],"wp:attachment":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=15280"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=15280"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=15280"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}