{"id":1743,"date":"2021-08-02T17:51:00","date_gmt":"2021-08-02T09:51:00","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=1743"},"modified":"2021-08-02T17:51:00","modified_gmt":"2021-08-02T09:51:00","slug":"%e5%82%b5%e5%88%b8%e5%9f%ba%e6%9c%ac%e6%80%a7%e8%b3%aa%e4%b8%89%ef%bc%8d%e4%bf%a1%e7%94%a8%e9%a2%a8%e9%9a%aa","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=1743","title":{"rendered":"\u3010\u50b5\u5238\u6295\u8cc7\u5165\u9580\u3011\u50b5\u5238\u4fe1\u7528\u8a55\u7b49\u662f\u4ec0\u9ebc\uff1f\u4fe1\u7528\u98a8\u96aa\u6703\u5982\u4f55\u5f71\u97ff\u50b5\u5238\u50f9\u683c\uff1f"},"content":{"rendered":"\n<p>\u5728\u6295\u8cc7\u50b5\u5238\u6642\uff0c\u60a8\u662f\u5426\u4e86\u89e3\u4fe1\u7528\u8a55\u7b49\u7684\u91cd\u8981\u6027\uff1f\u5b83\u5982\u4f55\u5f71\u97ff\u50b5\u5238\u50f9\u683c\u548c\u60a8\u7684\u6295\u8cc7\u56de\u5831\uff1f\u77e5\u9053\u5982\u4f55\u5224\u65b7\u50b5\u5238\u767c\u884c\u4eba\u7684\u8ca1\u52d9\u72c0\u6cc1\u548c\u9055\u7d04\u98a8\u96aa\u55ce\uff1f\u5728\u9019\u7bc7\u6587\u7ae0\u4e2d\uff0c\u6211\u5011\u5c07\u6df1\u5165\u63a2\u8a0e\u50b5\u5238\u7684\u4fe1\u7528\u8a55\u7b49\u53ca\u5176\u5c0d\u50b5\u5238\u50f9\u683c\u7684\u5f71\u97ff\uff0c\u5e6b\u52a9\u60a8\u5728\u6295\u8cc7\u904e\u7a0b\u4e2d\u66f4\u597d\u5730\u8b58\u5225\u548c\u7ba1\u7406\u4fe1\u7528\u98a8\u96aa\u3002<\/p>\n\n\n\n<div class=\"wp-block-aioseo-table-of-contents\"><ul><li><a href=\"#aioseo-\">\u50b5\u5238\u7684\u4fe1\u7528\u8a55\u7b49\u662f\u4ec0\u9ebc\uff1f<\/a><ul><li><a href=\"#aioseo-\">\u6295\u6a5f\u7d1a\u50b5\u5238\uff08\u53c8\u7a31\u9ad8\u6536\u76ca\u50b5\u5238\u3001\u5783\u573e\u50b5\u5238\uff09<\/a><\/li><\/ul><\/li><li><a href=\"#aioseo-\">\u9ad8\u6536\u76ca\u50b5\u5238\u5728\u91d1\u878d\u5371\u6a5f\u6642\u7684\u8868\u73fe<\/a><\/li><li><a href=\"#aioseo-\">\u9ad8\u6536\u76ca\u50b5\u5238\u662f\u5426\u9069\u5408\u914d\u7f6e\u5728\u6295\u8cc7\u7d44\u5408\u5167\uff1f<\/a><\/li><li><a href=\"#aioseo-\">\u4fe1\u7528\u98a8\u96aa\u662f\u4ec0\u9ebc\uff1f<\/a><\/li><li><a href=\"#aioseo-\">\u7d50\u8ad6<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u50b5\u5238\u7684\u4fe1\u7528\u8a55\u7b49\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n\n\n<p>\u6240\u8b02\u7684\u4fe1\u7528\u8a55\u7b49\u5c31\u662f\uff0c\u986f\u793a\u53d7\u8a55\u5c0d\u8c61\u4fe1\u8cb8\u9055\u7d04\u98a8\u96aa\u7684\u5927\u5c0f\uff0c\u4e00\u822c\u7531\u67d0\u4e9b\u5c08\u9580\u4fe1\u7528\u8a55\u4f30\u6a5f\u69cb\u9032\u884c\u3002&nbsp;<\/p>\n\n\n\n<p>\u8a55\u4f30\u6a5f\u69cb\u91dd\u5c0d\u53d7\u8a55\u5c0d\u8c61\u91d1\u878d\u72c0\u6cc1\u548c\u6709\u95dc\u6b77\u53f2\u7684\u6578\u64da\u9032\u884c\u8abf\u67e5\u3001\u5206\u6790\uff0c\u5f9e\u800c\u5c0d\u53d7\u8a55\u5c0d\u8c61\u7684\u91d1\u878d\u4fe1\u7528\u72c0\u6cc1\u7d66\u51fa\u4e00\u500b\u7e3d\u9ad4\u7684\u8a55\u50f9\u3002<\/p>\n\n\n\n<p>\u6700\u65e9\u7684\u4fe1\u7528\u8a55\u4f30\u7522\u751f\u65bc 20 \u4e16\u7d00\u521d\u671f\u7684\u7f8e\u570b\u30021902 \u5e74\uff0c\u7a46\u8fea\u516c\u53f8\u7684\u5275\u59cb\u4eba\u7d04\u7ff0\u00b7\u7a46\u8fea\u958b\u59cb\u5c0d\u7576\u6642\u767c\u884c\u7684\u9435\u8def\u50b5\u5238\u9032\u884c\u8a55\u7d1a\u3002\u5f8c\u4f86\u5ef6\u4f38\u5230\u5404\u7a2e\u91d1\u878d\u7522\u54c1\u53ca\u5404\u7a2e\u8a55\u4f30\u5c0d\u8c61\u3002<\/p>\n\n\n\n<p>\u76ee\u524d\u8457\u540d\u7684\u570b\u969b\u8a55\u7d1a\u6a5f\u69cb\u6709\uff1a\u7a46\u8fea\uff08Moody\u2019s\uff09\u3001\u6a19\u6e96\u666e\u723e\uff08Standard &amp; Poor\u2019s\uff09\u3001\u60e0\u8b7d\u570b\u969b\uff08Fitch Rating\uff09:<\/p>\n\n\n\n<p>\u7e3d\u62ec\u4f86\u8aaa\uff0c\u53ef\u4ee5\u5206\u70ba\u6295\u8cc7\u7d1a\u50b5\u5238\u4ee5\u53ca\u6295\u6a5f\u7d1a\u50b5\u5238\u3002<\/p>\n\n\n\n<p>\u4ee5 S&amp;P \u7684\u8a55\u50f9\u57fa\u6e96\u4f86\u8aaa\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/103-3.png\" alt=\"\u50b5\u5238\u8a55\u7b49\" class=\"wp-image-1745\" width=\"537\" height=\"875\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/103-3.png 804w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/103-3-184x300.png 184w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/103-3-628x1024.png 628w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/103-3-768x1251.png 768w\" sizes=\"auto, (max-width: 537px) 100vw, 537px\" \/><\/figure>\n\n\n\n<p>\u8a55\u7d1a BBB \u4ee5\u4e0a\u7684\u70ba<strong>\u6295\u8cc7\u7d1a\u50b5\u5238<\/strong>\uff0cBBB \u4ee5\u4e0b\u7684\u70ba<strong>\u6295\u6a5f\u7d1a\u50b5\u5238<\/strong>\uff0c\u4e00\u822c\u4f86\u8aaa\u6703\u5efa\u8b70\u6295\u8cc7\u4eba\u5728\u8cc7\u7522\u914d\u7f6e\u6642\u4ee5\u6295\u8cc7\u7d1a\u50b5\u5238\u70ba\u4e3b\uff0c\u624d\u80fd\u767c\u63ee\u50b5\u5238\u964d\u4f4e\u6295\u8cc7\u7d44\u5408\u98a8\u96aa\u7684\u6548\u679c\u3002<\/p>\n\n\n\n<h3 class=\"has-palette-color-1-color has-text-color has-medium-font-size wp-block-heading\" id=\"aioseo-\">\u6295\u6a5f\u7d1a\u50b5\u5238\uff08\u53c8\u7a31\u9ad8\u6536\u76ca\u50b5\u5238\u3001\u5783\u573e\u50b5\u5238\uff09<\/h3>\n\n\n\n<p>\u8a31\u591a\u7684\u5171\u540c\u57fa\u91d1\u767c\u884c\u4eba\u6703\u767c\u884c\u6240\u8b02\u7684\u9ad8\u6536\u76ca\u50b5\u5238\u57fa\u91d1\uff0c\u8072\u7a31\u8a72\u50b5\u5238\u7684\u5831\u916c\u7387\u76f8\u6bd4\u4e00\u822c\u50b5\u5238\u578b\u57fa\u91d1\u4f86\u7684\u597d\uff0c\u4f46\u5f80\u5f80\u6c92\u6709\u5f37\u8abf\u8a72\u57fa\u91d1\u6295\u8cc7\u7684\u6a19\u7684\u6027\u8cea\u3002<\/p>\n\n\n\n<p>\u9ad8\u6536\u76ca\u50b5\u5238\u5c31\u662f\u6240\u8b02\u7684<strong>\u6295\u6a5f\u7d1a\u50b5\u5238<\/strong>\uff0c\u4e5f\u6709\u53e6\u4e00\u500b\u5225\u7a31\uff0c<strong>\u5783\u573e\u50b5\u5238<\/strong>\uff0c\u9019\u4e9b\u50b5\u5238\u5f80\u5f80\u90fd\u662f\u7531\u4f01\u696d\u9ad4\u8cea\u5dee\u3001\u76ee\u524d\u9762\u81e8\u7d93\u71df\u56f0\u5883\u7684\u516c\u53f8\u767c\u884c\uff0c\u6295\u8cc7\u4eba\u627f\u64d4\u7684\u98a8\u96aa\u8f03\u9ad8\uff0c\u76f8\u5c0d\u4f86\u8aaa\u5831\u916c\u7387\u5c31\u8f03\u597d\u3002<\/p>\n\n\n\n<h2 class=\"has-palette-color-1-color has-text-color has-medium-font-size wp-block-heading\" id=\"aioseo-\">\u9ad8\u6536\u76ca\u50b5\u5238\u5728\u91d1\u878d\u5371\u6a5f\u6642\u7684\u8868\u73fe<\/h2>\n\n\n\n<p>\u4e0a\u9762\u8aaa\u5230\uff0c\u9ad8\u6536\u76ca\u50b5\u5238\u662f\u7531\u4fe1\u7528\u4e0d\u4f73\u3001\u4f01\u696d\u9ad4\u8cea\u5dee\u6216\u9762\u81e8\u7d93\u71df\u56f0\u5883\u7684\u516c\u53f8\u767c\u884c\u3002\u9019\u6a23\u7684\u516c\u53f8\u5728\u9762\u81e8\u91d1\u878d\u5371\u6a5f\u6642\uff0c\u5f80\u5f80\u56e0\u70ba\u4f01\u696d\u9ad4\u8cea\u4e0d\u4f73\u800c\u5c0e\u81f4\u7834\u7522\uff0c\u9023\u5e36\u8457\u9ad8\u6536\u76ca\u50b5\u5238\u7684\u50f9\u683c\u5c31\u6703\u4e0b\u964d\u751a\u81f3\u9055\u7d04\uff0c\u56e0\u6b64\u9ad8\u6536\u76ca\u50b5\u5238\u96d6\u7136\u5728\u5e73\u5e38\u6642\u671f\u53ef\u4ee5\u5e36\u4f86\u8f03\u9ad8\u7684\u5831\u916c\u7387\uff0c\u4f46\u7576\u91d1\u878d\u5371\u6a5f\u767c\u751f\u6642\uff0c\u5f80\u5f80\u6703\u56e0\u70ba\u5546\u54c1\u7684\u7279\u6027\u800c\u4f7f\u5176\u50f9\u683c\u5287\u70c8\u6ce2\u52d5\u3002<\/p>\n\n\n\n<h2 class=\"has-palette-color-1-color has-text-color has-medium-font-size wp-block-heading\" id=\"aioseo-\">\u9ad8\u6536\u76ca\u50b5\u5238\u662f\u5426\u9069\u5408\u914d\u7f6e\u5728\u6295\u8cc7\u7d44\u5408\u5167\uff1f<\/h2>\n\n\n\n<p>\u7576\u6211\u5011\u5728\u9032\u884c\u8cc7\u7522\u914d\u7f6e\u6642\uff0c\u5c0d\u65bc\u50b5\u5238\u90e8\u4f4d\u6703\u5e0c\u671b\u63d0\u4f9b\u6295\u8cc7\u7d44\u5408\u4fdd\u8b77\u7684\u4f5c\u7528\uff0c\u7576\u91d1\u878d\u5371\u6a5f\u767c\u751f\u6642\u53ef\u4ee5\u8b93\u6295\u8cc7\u7d44\u5408\u53d7\u5230\u7684\u885d\u64ca\u6e1b\u5c11\u3002\u5f9e\u9019\u500b\u898f\u5283\u908f\u8f2f\u51fa\u767c\uff0c\u9ad8\u6536\u76ca\u50b5\u5238\u4e26\u4e0d\u9069\u5408\u5927\u91cf\u914d\u7f6e\u5728\u6295\u8cc7\u7d44\u5408\u4e4b\u4e2d\uff0c\u7576\u5e02\u5834\u5de8\u5e45\u6ce2\u52d5\u3001\u4e0b\u8dcc\u6642\uff0c\u5f80\u5f80\u9ad8\u6536\u76ca\u50b5\u5238\u4e5f\u6703\u6709\u540c\u6a23\u7684\u8d70\u52e2\uff0c\u7121\u6cd5\u63d0\u4f9b\u6211\u5011\u5c07\u8cc7\u91d1\u914d\u7f6e\u5728\u50b5\u5238\u6642\uff0c\u6240\u671f\u671b\u9054\u5230\u7684\u6548\u679c\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u4fe1\u7528\u98a8\u96aa\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n\n\n<p>\u5728\u8ca1\u52d9\u5b78\u4e0a\uff0c\u4fe1\u7528\u98a8\u96aa\u53ef\u4ee5\u5305\u542b\u9055\u7d04\u98a8\u96aa\uff08Default Risk\uff09\u3001\u4fe1\u7528\u50f9\u5dee\u98a8\u96aa\uff08Credit Spread Risk\uff09\u3001\u4fe1\u7528\u8a55\u7b49\u964d\u7d1a\u98a8\u96aa\uff08Downgrade Risk\uff09\u4ee5\u53ca\u4ea4\u6613\u5c0d\u624b\u4e0d\u5c65\u7d04\u7684\u98a8\u96aa\uff08Counterparty Risk\uff09\u7b49\u7b49\u3002\u5176\u4e2d\uff0c\u6700\u5e38\u898b\u7684\u5c6c\u65bc<strong>\u9055\u7d04\u98a8\u96aa<\/strong>\u3002<\/p>\n\n\n\n<p>\u9055\u7d04\u98a8\u96aa\u662f\u6307\u767c\u884c\u4eba\u672a\u80fd\u5982\u671f\u7684\u652f\u4ed8\u5229\u606f\u6216\u672c\u91d1\u3002<\/p>\n\n\n\n<p>\u7c21\u55ae\u4f86\u8aaa\u5c31\u662f\u50b5\u5238\u7684\u767c\u884c\u4eba\u9055\u7d04\uff0c<strong>\u652f\u4ed8\u4e0d\u51fa\u7d04\u5b9a\u597d\u7684\u7968\u9762\u5229\u606f\u7684\u98a8\u96aa<\/strong>\u3002<\/p>\n\n\n\n<p>\u6295\u8cc7\u4eba\u6703\u4f9d\u64da\u50b5\u5238\u7684\u767c\u884c\u4eba\u8981\u6c42\u4e0d\u540c\u7684\u671f\u671b\u5831\u916c\u7387\uff0c\u800c\u5831\u916c\u7387\u7684\u9ad8\u4f4e\u5c31\u53cd\u6620\u4e86\u5c0d\u767c\u884c\u4eba\u7684\u4fe1\u7528\u7a0b\u5ea6\u9ad8\u4f4e\u3002\u7576\u767c\u884c\u4eba\u7684\u4fe1\u7528\u8d8a\u597d\uff0c\u6295\u8cc7\u4eba\u6703\u8a8d\u70ba\u8a72\u50b5\u5238\u9055\u7d04\u7684\u6a5f\u6703\u8f03\u4f4e\uff0c\u5c31\u53ef\u4ee5\u63a5\u53d7\u6bd4\u8f03\u4f4e\u7684\u5831\u916c\u7387\uff1b\u76f8\u5c0d\u5730\uff0c\u82e5\u767c\u884c\u4eba\u7684\u4fe1\u7528\u4e0d\u597d\uff0c\u6295\u8cc7\u4eba\u6703\u8a8d\u70ba\u8a72<strong>\u50b5\u5238\u9055\u7d04\u7684\u6a5f\u6703\u8f03\u9ad8\uff0c\u4e5f\u5c31\u6703\u8981\u6c42\u8f03\u9ad8\u7684\u5831\u916c\u7387\u4ee5\u88dc\u8cbc\u984d\u5916\u627f\u64d4\u7684\u98a8\u96aa<\/strong>\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/103-2.png\" alt=\"\u50b5\u5238\u50f9\u683c\u7b97\u6cd5\" class=\"wp-image-1744\" width=\"449\" height=\"349\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/103-2.png 854w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/103-2-300x233.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/103-2-768x597.png 768w\" sizes=\"auto, (max-width: 449px) 100vw, 449px\" \/><\/figure>\n\n\n\n<p>\u6211\u5011\u518d\u91cd\u65b0\u770b\u4e00\u4e0b\u50b5\u5238\u7684\u8a55\u50f9\u516c\u5f0f\uff0c\u82e5\u4e00\u6a94\u50b5\u5238\u7684\u4fe1\u7528\u7b49\u7d1a\u4e0b\u964d\u4e86\uff0c\u6295\u8cc7\u4eba\u5c0d\u65bc\u8a72\u6a94\u50b5\u5238\u7684\u671f\u671b\u5831\u916c\u7387\u5c31\u6703\u4e0a\u5347\uff0c\u56e0\u70ba\u8a72\u50b5\u5238\u5728\u672a\u4f86\u80fd\u5426\u652f\u4ed8\u5229\u606f\u4ee5\u53ca\u511f\u9084\u672c\u91d1\u7684\u6a5f\u7387\u4e0b\u964d\uff0c\u9023\u5e36\u8457\u5f71\u97ff\u7684\u5c31\u662f\u50b5\u5238\u7684\u50f9\u683c\u96a8\u4e4b\u4e0b\u8dcc\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u7576\u50b5\u5238\u7684\u4fe1\u7528\u8a55\u7b49\u88ab\u8abf\u964d\u6642\uff0c\u50f9\u683c\u5f80\u5f80\u6703\u53d7\u5230\u885d\u64ca\u3002<\/p>\n\n\n\n<p>\u904e\u53bb\u8f03\u77e5\u540d\u7684\u570b\u5bb6\u6df1\u9677\u9055\u7d04\u98a8\u96aa\u7684\u4e8b\u4ef6\u6709\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2009 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