{"id":1654,"date":"2021-06-28T10:40:00","date_gmt":"2021-06-28T02:40:00","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=1654"},"modified":"2026-06-03T14:12:41","modified_gmt":"2026-06-03T06:12:41","slug":"%e9%87%91%e8%9e%8d%e6%a9%9f%e6%a7%8b%e8%88%87%e5%ae%a2%e6%88%b6%e4%b9%8b%e9%96%93%e7%9a%84%e7%9f%9b%e7%9b%be%ef%bc%8d%e6%89%8b%e7%ba%8c%e8%b2%bb","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=1654","title":{"rendered":"\u91d1\u878d\u6a5f\u69cb\u8207\u5ba2\u6236\u4e4b\u9593\u7684\u77db\u76fe\uff0d\u624b\u7e8c\u8cbb"},"content":{"rendered":"\n<div class=\"wp-block-aioseo-table-of-contents\"><ul><li><a href=\"#aioseo-\">\u4ec0\u9ebc\u662f\u80a1\u6771\u6b0a\u76ca\u4ee3\u7406\u554f\u984c?<\/a><\/li><li><a href=\"#aioseo-case1v-s\">Case1:\u4fdd\u4f4f\u98ef\u7897V.S.\u9ad8\u98a8\u96aa\u6295\u8cc7\u65b9\u6848<\/a><\/li><li><a href=\"#aioseo-case2npvnet-present-value0\">Case2:\u6295\u8cc7NPV(Net Present Value)<0\u7684\u6295\u8cc7\u65b9\u6848<\/a><\/li><li><a href=\"#aioseo-aumasset-under-management\">AUM(Asset Under Management)\u6536\u8cbb\u6a5f\u5236<\/a><\/li><li><a href=\"#aioseo-\">\u9078\u64c7\u512a\u8cea\u7684\u6295\u8cc7\u5efa\u8b70<\/a><\/li><\/ul><\/div>\n\n\n\n<p>\u66fe\u6709\u500b\u8da3\u805e\u662f\u9019\u6a23\u7684\uff0c\u4e00\u540d\u5ba2\u6236\u6253\u96fb\u8a71\u7d66\u4ed6\u7684\u71df\u696d\u54e1\uff0c\u71df\u696d\u54e1\u975e\u5e38\u7684\u7a4d\u6975\u63a8\u85a6\u5ba2\u6236IBM\u7684\u80a1\u7968\uff0c\u52f8\u8aaa\u5ba2\u6236\u76ee\u524d\u80a1\u50f9\u5728\u4f4e\u9ede\uff0c\u4e00\u5b9a\u8981\u8cb7\u5165\uff0c\u7576\u5ba2\u6236\u958b\u53e3\u8aaa\u4e86\uff0c\u4ed6\u6253\u96fb\u8a71\u4f86\uff0c\u662f\u70ba\u4e86\u8981\u8ce3\u6389\u624b\u4e0aIBM\u7684\u80a1\u7968\uff0c\u71df\u696d\u54e1\u8aaa\u4e86\u4e00\u53e5\uff1a\u300c\u8ce3\u51faIBM\u55ce\uff0c\u4e5f\u4e0d\u932f\u3002\u300d<\/p>\n\n\n\n<p>\u5c0d\u65bc\u71df\u696d\u54e1\u4f86\u8aaa\uff0c\u5ba2\u6236\u6301\u6709\u7684\u80a1\u7968\u8cfa\u9322\u8207\u5426\uff0c\u4e0d\u91cd\u8981\uff0c\u6709\u6210\u4ea4\u3001\u6709\u624b\u7e8c\u8cbb\u6536\u5165\uff0c\u624d\u662f\u91cd\u9ede\u6240\u5728\u3002\u7531\u65bc\u5236\u5ea6\u4e0a\u7684\u8a2d\u8a08\uff0c\u4f7f\u5f97\u5ba2\u6236\u7684\u5229\u76ca\uff0c\u85c9\u7531\u6295\u8cc7\u7d2f\u7a4d\u8cc7\u7522\uff1b\u71df\u696d\u54e1\u7684\u5229\u76ca\uff0c\u52f8\u8aaa\u5ba2\u6236\u8cb7\u8ce3\u5275\u9020\u624b\u7e8c\u8cbb\u6536\u5165\uff0c\u5169\u8005\u5229\u76ca\u4e0a\u4e0d\u4e00\u81f4\u3002<\/p>\n\n\n\n<p>\u9019\u88e1\u5f37\u8abf\u7684\u4e26\u975e\u6240\u6709\u7684\u71df\u696d\u54e1\u90fd\u53ea\u9867\u81ea\u5df1\u7684\u696d\u7e3e\u800c\u4e0d\u9867\u5ba2\u6236\u7684\u7e3e\u6548\uff0c\u800c\u662f\u51f8\u986f\u51fa\u50b3\u7d71\u91d1\u878d\u884c\u696d\u7684\u5546\u696d\u6a21\u5f0f\u8a2d\u8a08\uff0c\u4e0d\u53ea\u7121\u6cd5\u6e1b\u8f15\u4ee3\u7406\u554f\u984c\uff0c\u751a\u81f3\u662f\u4ee3\u7406\u554f\u984c\u7684\u52a9\u71c3\u5291\u3002<\/p>\n\n\n\n<p>\u4ee5\u4e0b\u5c07\u4ee5\u80a1\u6771\u6b0a\u76ca\u4ee3\u7406\u554f\u984c\u6848\u4f8b\u8b93\u5404\u4f4d\u8b80\u8005\u66f4\u4e86\u89e3\u4ec0\u9ebc\u662f\u4ee3\u7406\u554f\u984c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aioseo-\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-palette-color-1-color\">\u4ec0\u9ebc\u662f\u80a1\u6771\u6b0a\u76ca\u4ee3\u7406\u554f\u984c?<\/mark><\/h3>\n\n\n\n<p>\u80a1\u6771\u8207\u7d93\u7406\u4eba\u7684\u5229\u76ca\u4e0d\u4e00\u81f4\uff0c\u5c0e\u81f4\u7d93\u7406\u4eba\u7684\u884c\u70ba\u4e0d\u7b26\u5408\u80a1\u6771\u7684\u5229\u76ca\uff0c\u4e5f\u5c31\u662f\u672a\u80fd\u516c\u53f8\u50f9\u503c\u6975\u5927\u5316\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aioseo-case1v-s\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-palette-color-1-color\">Case1:\u4fdd\u4f4f\u98ef\u7897V.S.\u9ad8\u98a8\u96aa\u6295\u8cc7\u65b9\u6848<\/mark><\/h3>\n\n\n\n<p>\u8a66\u60f3\u4e00\u4e0b\uff0c\u5404\u4f4d\u8b80\u8005\u76ee\u524d\u90fd\u662f\u4e00\u9593\u516c\u53f8\u7684CEO\uff0c\u76ee\u524d\u9762\u81e8\u5169\u500b\u6295\u8cc7\u65b9\u6848\u3002<\/p>\n\n\n\n<p>\u65b9\u68481:\u98a8\u96aa\u4f4e\uff0c\u589e\u52a0\u516c\u53f8\u50f9\u503c\u8f03\u5c0f<\/p>\n\n\n\n<p>\u65b9\u68482:\u98a8\u96aa\u9ad8\uff0c\u589e\u52a0\u516c\u53f8\u50f9\u503c\u8f03\u591a<\/p>\n\n\n\n<p>\u4e00\u4f4d\u7a31\u8077\u7684CEO\u5728\u57f7\u884c\u6c7a\u7b56\u4e0a\uff0c\u61c9\u8a72\u8981\u9078\u64c7\u80fd\u8b93\u516c\u53f8\u50f9\u503c\u6975\u5927\u5316\u7684\u6295\u8cc7\u65b9\u6848\u3002\u56e0\u6b64\uff0c\u5373\u4f7f\u65b9\u68482\u7684\u98a8\u96aa\u8f03\u5927\uff0c\u4ecd\u7136\u8981\u63a1\u7d0d\u8a72\u65b9\u6848\u3002<\/p>\n\n\n\n<p>\u4f46\u662f\uff0cCEO\u4e5f\u6709\u81ea\u5df1\u7684\u8003\u91cf\uff0c\u5047\u8a2d\u4eca\u5929\u6295\u8cc7\u4e86\u65b9\u68482\uff0c\u6210\u529f\u4e86\u7576\u7136\u5f88\u597d\uff0c\u96d9\u65b9\u90fd\u7372\u5229\u3002\u842c\u4e00\u5931\u6557\u4e86\u5462?\u5c0dCEO\u800c\u8a00\uff0c\u4ed6\u5fc5\u9808\u8ca0\u8d77\u8a08\u756b\u5931\u6557\u7684\u8cac\u4efb\uff0c\u56b4\u91cd\u7684\u8a71\uff0c\u6709\u53ef\u80fd\u98ef\u7897\u5c31\u9019\u6a23\u4e1f\u4e86\uff0c\u7576CEO\u5c0d\u81ea\u5df1\u5229\u76ca\u7684\u8003\u91cf\u51cc\u99d5\u65bc\u5c0d\u516c\u53f8\u5229\u76ca\u7684\u8003\u91cf\u4ee5\u4e0a\u6642\uff0c\u65b9\u68481\uff0c\u4f4e\u98a8\u96aa\u7684\u6295\u8cc7\u65b9\u6848\u624d\u6703\u662fCEO\u7684\u9996\u9078\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aioseo-case2npvnet-present-value0\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-palette-color-1-color\">Case2:\u6295\u8cc7NPV(Net Present Value)&lt;0\u7684\u6295\u8cc7\u65b9\u6848<\/mark><\/h3>\n\n\n\n<p>\u9996\u5148\u9019\u88e1\u8981\u5148\u8aaa\u660e\u4e00\u4e0b\u4ec0\u9ebc\u662fNPV\u3002NPV\u4e2d\u6587\u70ba\u6de8\u73fe\u503c\uff0c\u7c21\u55ae\u4f86\u8aaa\u6307\u7684\u662f1\u500b\u6295\u8cc7\u8a08\u5283\u672a\u4f86\u53ef\u4ee5\u7522\u751f\u7684\u73fe\u91d1\u6d41\u91cf\u6e1b\u53bb\u539f\u59cb\u6295\u8cc7\u73fe\u91d1\u503c\u7684\u5269\u9918\u503c\u3002\u7576\u4e00\u5bb6\u516c\u53f8\u9762\u81e8\u6295\u8cc7\u65b9\u6848\u6642\uff0c\u53ef\u4ee5\u4f7f\u7528NPV\u6cd5\u6bd4\u8f03\u4e0d\u540c\u6295\u8cc7\u65b9\u6848\uff0c\u9078\u64c7\u6de8\u73fe\u503c\u8f03\u9ad8\u7684\u6295\u8cc7\u65b9\u6848\u57f7\u884c\u3002<\/p>\n\n\n\n<p>CEO\u7684\u6536\u5165\u5f88\u5e38\u8207\u516c\u53f8\u898f\u6a21\u5448\u6b63\u76f8\u95dc\uff0c\u4e5f\u5c31\u662f\u8aaa\u898f\u6a21\u8d8a\u5927\u7684\u516c\u53f8\uff0cCEO\u7684\u85aa\u6c34\u8d8a\u9ad8\u3002\u9019\u4e5f\u5c31\u5c0e\u81f4\u4e86\u5373\u4f7f\u8a72\u516c\u53f8\u76ee\u524d\u6c92\u6709\u597d\u7684\u6295\u8cc7\u6a5f\u6703\uff0c\u6216\u8005\u8aaa\uff0c\u5927\u90e8\u5206\u6295\u8cc7\u65b9\u6848\u7684NPV\u90fd\u5c0f\u65bc0\uff0cCEO\u4ecd\u6709\u53ef\u80fd\u70ba\u4e86\u81ea\u8eab\u85aa\u6c34\u7684\u8457\u60f3\uff0c\u6c7a\u7b56\u6295\u8cc7\u65bc\u9019\u4e9bNPV\u5c0f\u65bc0\u7684\u6295\u8cc7\u65b9\u6848\uff0c\u4ee5\u58ef\u5927\u516c\u53f8\u898f\u6a21\u3002<\/p>\n\n\n\n<p>\u4f46\u662f\u4e0a\u8ff0\u7684\u9019\u500b\u884c\u70ba\uff0c\u986f\u7136\u5c0d\u65bc\u80a1\u6771\u7684\u6b0a\u76ca\u662f\u6709\u5bb3\u7684\uff0c\u7372\u5229\u7684\u53ea\u6709CEO\u672c\u4eba\u7684\u85aa\u6c34\u589e\u52a0\u3002<\/p>\n\n\n\n<p><br>\u81ea\u5169\u500b\u8209\u4f8b\u4e2d\uff0c\u767c\u73feCEO\u672c\u8eab\u7684\u5229\u76ca\u8207\u516c\u53f8\u7684\u5229\u76ca\u4e26\u4e0d\u4e00\u81f4\uff0c\u65b9\u68481\u9762\u81e8\u4e86\u5de5\u4f5c\u7a69\u5b9a\u8207\u516c\u53f8\u5229\u76ca\u9593\u7684\u62c9\u626f\uff1b\u65b9\u68482\u9762\u81e8\u4e86\u81ea\u8eab\u5229\u76ca\u8207\u516c\u53f8\u5229\u76ca\u9593\u7684\u885d\u7a81\u3002\u5b78\u8853\u4e0a\u7684\u5efa\u8b70\u8a8d\u70ba\u53ef\u4ee5\u900f\u904e\u5831\u511f\u5236\u5ea6\u4ee5\u53ca\u8463\u76e3\u4e8b\u7684\u76e3\u7763\u6a5f\u5236\u89e3\u6c7a\u3002<\/p>\n\n\n\n<p>\u4ee5\u5831\u511f\u5236\u5ea6\u800c\u8a00\uff0c\u516c\u53f8\u53ef\u4ee5\u767c\u7d66CEO\u80a1\u7968\u9078\u64c7\u6b0a\uff0c\u8b93CEO\u7684\u5229\u76ca\u8207\u516c\u53f8\u5229\u76ca\u4e00\u81f4<\/p>\n\n\n\n<p>\u82e5CEO\u6709\u80a1\u7968\u9078\u64c7\u6b0a\uff0c\u9762\u81e8Case1\u7684\u60c5\u6cc1\u6642\uff0c\u5c31\u53ef\u4ee5\u964d\u4f4eCEO\u7684\u98a8\u96aa\u8da8\u907f\u50be\u5411\uff0c\u505a\u51fa\u9ad8\u98a8\u96aa\u9ad8\u5831\u916c\u7684\u6295\u8cc7\u65b9\u6848\uff1b\u9762\u81e8Case2\u7684\u60c5\u6cc1\u6642\uff0c\u6703\u8003\u616e\u5230\u50b7\u5bb3\u516c\u53f8\u7684\u884c\u70ba\uff0c\u662f\u5426\u6703\u4f7f\u5f97\u81ea\u5df1\u7684\u80a1\u7968\u9078\u64c7\u6b0a\u672a\u4f86\u7121\u6cd5\u57f7\u884c\uff0c\u964d\u4f4e\u6295\u8cc7\u65bcNPV\u5c0f\u65bc\u8a08\u756b\u7684\u6a5f\u7387\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aioseo-aumasset-under-management\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-palette-color-1-color\">AUM(Asset Under Management)\u6536\u8cbb\u6a5f\u5236<\/mark><\/h3>\n\n\n\n<p>\u80a1\u6771\u6b0a\u76ca\u4ee3\u7406\u554f\u984c\u53ef\u4ee5\u85c9\u7531\u7d66\u4e88\u9ad8\u968e\u7d93\u7406\u4eba\u80a1\u7968\u9078\u64c7\u6b0a\u4f86\u8b93\u96d9\u65b9\u7684\u5229\u76ca\u4e00\u81f4\uff0c\u6e1b\u5c11\u4ee3\u7406\u554f\u984c\u7684\u5f71\u97ff\u3002<\/p>\n\n\n\n<p>\u56de\u5230\u6587\u7ae0\u4e00\u958b\u59cb\u7684\u5c0f\u6545\u4e8b\uff0c\u90a3\u5982\u4f55\u89e3\u6c7a\u6216\u6e1b\u8f15\u91d1\u878d\u6a5f\u69cb\u8207\u5ba2\u6236\u9593\u7684\u4ee3\u7406\u554f\u984c\u5462?<\/p>\n\n\n\n<p>AUM\u6536\u8cbb\u6307\u7684\u662f\uff0c\u4f9d\u64da\u5e6b\u5ba2\u6236\u7ba1\u7406\u7684\u8cc7\u7522\u6de8\u503c\u898f\u6a21\uff0c\u6536\u53d6\u4e00\u5b9a\u6bd4\u4f8b\u7684\u91d1\u984d\u3002<\/p>\n\n\n\n<p>\u76f8\u6bd4\u65bc\u624b\u7e8c\u8cbb\u6536\u5165\uff0cAUM\u8b93\u91d1\u878d\u6a5f\u69cb\u8207\u5176\u670d\u52d9\u7684\u5ba2\u6236\u5229\u76ca\u4e00\u81f4\uff0c\u7576\u5ba2\u6236\u7684\u8cc7\u7522\u6de8\u503c\u898f\u6a21\u4e0a\u5347\uff0c\u91d1\u878d\u6a5f\u69cb\u6240\u80fd\u6536\u53d6\u7684\u8cbb\u7528\u5c31\u4e0a\u5347\uff0c\u56e0\u6b64\u5c0d\u91d1\u878d\u6a5f\u69cb\u4f86\u8aaa\uff0c\u50ac\u4fc3\u5ba2\u6236\u983b\u7e41\u4ea4\u6613\u8cb7\u8ce3\u7121\u7570\u65bc\u696d\u7e3e\u7684\u63d0\u5347\uff0c\u5982\u4f55\u8b93\u5ba2\u6236\u7684\u8cc7\u7522\u589e\u52a0\uff0c\u624d\u662f\u80fd\u4f7f\u71df\u6536\u589e\u52a0\u7684\u95dc\u9375\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aioseo-\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color 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