{"id":6856,"date":"2023-08-16T13:42:37","date_gmt":"2023-08-16T05:42:37","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=6856"},"modified":"2023-08-16T13:42:37","modified_gmt":"2023-08-16T05:42:37","slug":"%e7%be%8e%e5%9c%8b%e6%94%bf%e5%ba%9c%e4%b8%bb%e6%ac%8a%e8%a2%ab%e6%83%a0%e8%ad%bd%e9%99%8d%e8%a9%95%ef%bc%81%e6%88%91%e8%a9%b2%e6%93%94%e5%bf%83%e5%82%b5%e5%88%b8%e6%8a%95%e8%b3%87%e9%83%a8%e4%bd%8d","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=6856","title":{"rendered":"\u7f8e\u570b\u653f\u5e9c\u4e3b\u6b0a\u88ab\u60e0\u8b7d\u964d\u8a55\uff01\u60e0\u8b7d\u964d\u8a55\u5c0d\u7f8e\u570b\u6703\u6709\u4ec0\u9ebc\u5f71\u97ff\uff1f\u6211\u8a72\u64d4\u5fc3\u50b5\u5238\u6295\u8cc7\u90e8\u4f4d\u55ce\uff1f"},"content":{"rendered":"\n<h2 class=\"has-palette-color-3-color has-text-color wp-block-heading\">\u4fe1\u7528\u8a55\u7d1a\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n\n\n<p>\u9996\u5148\uff0c\u5728\u4e86\u89e3\u7f8e\u570b\u4fe1\u7528\u8a55\u7d1a\u88ab\u8abf\u964d\u7684\u5f71\u97ff\u4ee5\u524d\uff0c\u5fc5\u9808\u5148\u8a8d\u8b58\u4ec0\u9ebc\u662f\u4fe1\u8a55\u3002\u6295\u8cc7\u5e02\u5834\u5343\u8b8a\u842c\u5316\uff0c\u4e5f\u5145\u6eff\u5404\u7a2e\u5546\u54c1\u3002\u5230\u5e95\u8981\u5982\u4f55\u77e5\u9053\u6295\u8cc7\u9019\u4e9b\u5546\u54c1\u662f\u5426\u5b89\u5168\u5462\uff1f<\/p>\n\n\n\n<h3 class=\"has-palette-color-2-color has-text-color wp-block-heading\">\u4fe1\u7528\u8a55\u7d1a\u4e09\u5de8\u982d<\/h3>\n\n\n\n<p>\u6709\u4e9b\u5c08\u696d\u6a5f\u69cb\u6703\u91dd\u5c0d\u5404\u7a2e\u91d1\u878d\u5546\u54c1\uff0c\u50cf\u662f\u80a1\u7968\u3001\u50b5\u5238\u3001\u57fa\u91d1\uff0c\u751a\u81f3\u570b\u5bb6\u7684\u4fe1\u7528\u72c0\u6cc1\u4ee5\u53ca\u511f\u50b5\u80fd\u529b\u9032\u884c\u8a55\u4f30\uff0c\u4e26\u4e14\u7d66\u51fa\u4fe1\u7528\u8a55\u7d1a\uff1b\u9019\u4e9b\u6a5f\u69cb\u5c31\u662f\u4fe1\u8a55\u516c\u53f8\u3002\u4e00\u822c\u4f86\u8aaa\u6709\u4e09\u5927\u6b0a\u5a01\u7684\u4fe1\u8a55\u516c\u53f8\uff0c<strong><mark style=\"background-color:#e1e8ed\" class=\"has-inline-color\">\u7a46\u8fea (Moody&#8217;s&nbsp;Investors Service)<\/mark><\/strong>\u3001<strong><mark style=\"background-color:#e1e8ed\" class=\"has-inline-color\">\u6a19\u6e96\u666e\u723e (Standard &amp; Poor\u2019s)<\/mark><\/strong>\u3001\u4ee5\u53ca\u9019\u6b21\u7684\u4e3b\u89d2 \u2014 <strong><mark style=\"background-color:#e1e8ed\" class=\"has-inline-color\">\u60e0\u8b7d (Fitch Ratings)<\/mark><\/strong>\u3002\u53f0\u7063\u672c\u5730\u696d\u8005\u7684\u8a71\uff0c\u5247\u662f\u6709\u4e2d\u83ef\u4fe1\u8a55\u516c\u53f8\u3002\u9019\u4e9b\u516c\u53f8\u6703\u5c0d\u5404\u7a2e\u7522\u54c1\u9032\u884c\u8a55\u7d1a\uff0c\u800c\u5176\u4e2d\u5c0d\u65bc\u50b5\u5238\u4ee5\u53ca\u570b\u5bb6\u4e3b\u6b0a\u7684\u8a55\u7d1a\u662f\u6700\u5e38\u88ab\u6295\u8cc7\u4eba\u95dc\u6ce8\u7684\u6307\u6a19\u3002<\/p>\n\n\n\n<h3 class=\"has-palette-color-2-color has-text-color wp-block-heading\">\u4fe1\u8a55\u7b49\u7d1a\u8981\u600e\u9ebc\u770b\uff1f<\/h3>\n\n\n\n<p>\u60e0\u8b7d\u7684\u4fe1\u8a55\u7b49\u7d1a\u7531\u9ad8\u5230\u4f4e\u662fAAA\u3001AA\u3001A\u3001BBB\u3001BB\u3001B\u3001CCC\u3001CC\u3001C\u3001RD\u3001D\u3002\u7c21\u55ae\u8b1b\u5c31\u662f\u5f9eA\u5230D\u8d8a\u4f86\u8d8a\u4f4e\uff0c\u53e6\u5916\u4e5f\u6703\u7528+\u8207-\u4f86\u505a\u8abf\u6574\u3002\u9019\u6b21\u7f8e\u570b\u7684\u964d\u8a55\uff0c\u5c31\u662f\u5f9e\u9802\u7d1a\u7684AAA\u8abf\u964d\u81f3\u6b21\u4e00\u7d1a\u7684AA+\u3002\u6a19\u666e\u7684\u8a55\u7b49\u65b9\u5f0f\u8207\u60e0\u8b7d\u5e7e\u4e4e\u76f8\u540c\uff0c\u800c\u7a46\u8fea\u5247\u662f\u5448\u73fe\u65b9\u5f0f\u7565\u5fae\u4e0d\u540c\uff1a\u7a46\u8fea\u7684Aaa\u5c0d\u61c9\u5230\u60e0\u8b7d\u8207\u6a19\u666e\u7684AAA\uff0c\u5176\u4ed6\u7b49\u7d1a\u4e5f\u662f\u4e00\u6a23\u7684\u5448\u73fe\u65b9\u5f0f\uff1b\u4e26\u75281\u30012\u30013\u4f86\u5340\u5206\u540c\u4e00\u7d1a\u5225\u7684\u9ad8\u4f4e\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>\u60e0\u8b7d\u4fe1\u7528\u8a55\u7d1a<\/th><th>\u8aaa\u660e<\/th><\/tr><\/thead><tbody><tr><td>AAA<\/td><td>Highest credit quality \u6700\u9ad8\u4fe1\u7528\u54c1\u8cea<\/td><\/tr><tr><td>AA<\/td><td>Very high credit quality \u6975\u9ad8\u4fe1\u7528\u54c1\u8cea<\/td><\/tr><tr><td>A<\/td><td>High credit quality \u9ad8\u4fe1\u7528\u54c1\u8cea<\/td><\/tr><tr><td>BBB<\/td><td>Good credit quality \u4fe1\u7528\u54c1\u8cea\u5c1a\u53ef<\/td><\/tr><tr><td>BB<\/td><td>Speculative \u6295\u6a5f\u7b49\u7d1a<\/td><\/tr><tr><td>B<\/td><td>Highly speculative \u9ad8\u6295\u6a5f\u7b49\u7d1a<\/td><\/tr><tr><td>CCC<\/td><td>Substantial credit risk \u9ad8\u4fe1\u7528\u98a8\u96aa<\/td><\/tr><tr><td>CC<\/td><td>Very high levels of credit risk \u6975\u9ad8\u4fe1\u7528\u98a8\u96aa<\/td><\/tr><tr><td>C<\/td><td>Near default \u63a5\u8fd1\u9055\u7d04<\/td><\/tr><tr><td>RD<\/td><td>Restricted default \u9650\u5236\u6027\u9055\u7d04\uff08\u672a\u9055\u7d04\uff0c\u4f46\u662f\u6eff\u8db3\u90e8\u4efd\u689d\u4ef6\uff09<\/td><\/tr><tr><td>D<\/td><td>Default \u9055\u7d04<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">\u8cc7\u6599\u4f86\u6e90\uff1aFitch Ratings\uff0c\u963f\u723e\u767c\u6295\u9867\u6574\u7406<\/figcaption><\/figure>\n\n\n\n<p>\u4fe1\u7528\u8a55\u7d1a\u662f\u7528\u4f86\u8a55\u91cf\u50b5\u5238\u98a8\u96aa\u975e\u5e38\u91cd\u8981\u7684\u56e0\u7d20\uff0c\u6211\u5011\u5e38\u5e38\u807d\u5230\u7684\u300c\u975e\u6295\u8cc7\u7b49\u7d1a\u50b5\u300d\uff08\u820a\u7a31\u9ad8\u6536\u76ca\u50b5\uff0c\u6216\u5783\u573e\u50b5\uff09\u5c31\u662f\u6307BB\uff0fBb\u7d1a\u4ee5\u4e0b\u7684\u50b5\u5238\u3002\u570b\u5bb6\u4e3b\u6b0a\u50b5\u4e5f\u6703\u4f7f\u7528\u540c\u6a23\u7684\u57fa\u6e96\u4f86\u8a55\u4f30\u3002<\/p>\n\n\n\n<h2 class=\"has-palette-color-3-color has-text-color wp-block-heading\">\u7f8e\u570b\u7684\u4fe1\u8a55\u70ba\u4ec0\u9ebc\u88ab\u8abf\u964d\u4e86\uff1f<\/h2>\n\n\n\n<p>\u9019\u6b21\u7684\u5e02\u5834\u9707\u64bc\uff0c\u5c31\u662f<strong><mark style=\"background-color:#e1e8ed\" class=\"has-inline-color\">\u60e0\u8b7d\u65bc8\/1\uff08\u7f8e\u570b\u6642\u9593\uff09\u5ba3\u5e03\u5c07\u7f8e\u570b\u7684\u9577\u671f\u767c\u884c\u4eba\u9055\u7d04\u8a55\u7b49 (IDR) \u4e0b\u8abf\uff0c\u7531\u6700\u4f73\u7684AAA\u8abf\u964d\u81f3AA+<\/mark><\/strong>\u3002\u96d6\u7136\u4ee4\u4eba\u9a5a\u8a1d\uff0c\u4f46\u4e5f\u4e0d\u7b97\u4e8b\u51fa\u7a81\u7136\uff0c\u7562\u7adf\u60e0\u8b7d\u65e9\u5c31\u5df2\u7d93\u63d0\u51fa\u8b66\u544a\u904e\u4e86\u3002\u4eca\u5e74\u5e74\u4e2d\u7f8e\u570b\u518d\u5ea6\u9677\u5165\u50b5\u52d9\u4e0a\u9650\u50f5\u5c40\uff0c\u62dc\u767b\u653f\u5e9c\u9072\u9072\u672a\u8207\u570b\u6703\u9054\u6210\u5354\u8b70\uff0c\u96a8\u8457\u7f8e\u570b\u8ca1\u653f\u90e8\u8017\u76e1\u8cc7\u91d1\u7684\u65e5\u5b50 (X-Day) \u8d8a\u4f86\u8d8a\u8fd1\uff0c\u60e0\u8b7d\u5ba3\u5e03\u5c07\u7f8e\u570b\u7684\u4fe1\u8a55\u5217\u5165\u8ca0\u9762\u89c0\u5bdf\u6e05\u55ae\u3002\u5982\u4eca\u770b\u4f86\u9019\u4f3c\u4e4e\u662f\u500b\u63d0\u524d\u5169\u500b\u6708\u7684\u9810\u544a\u3002<\/p>\n\n\n\n<h3 class=\"has-palette-color-2-color has-text-color wp-block-heading\">\u8abf\u964d\u4fe1\u8a55\u7684\u539f\u56e0<\/h3>\n\n\n\n<p>\u60e0\u8b7d\u6d0b\u6d0b\u7051\u7051\u5217\u51fa\u4e5d\u500b\u8a55\u7b49\u7684\u539f\u56e0\uff0c\u8aaa\u660e\u70ba\u4f55\u6703\u5c07\u7f8e\u570b\u7684\u4fe1\u8a55\u5b9a\u5728AA+\u3002\u4e3b\u8981\u7684\u539f\u56e0\u6709\u4ee5\u4e0b\u4e09\u500b\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-palette-color-2-color\">\u7f8e\u570b\u8ca1\u653f\u72c0\u6cc1\u6b63\u5728\u9010\u6f38\u60e1\u5316<\/mark><\/strong>\uff1a\u7f8e\u570b\u653f\u5e9c\u7684\u50b5\u52d9\u8ca0\u64d4\u4e0d\u65b7\u6500\u5347\uff1b\u60e0\u8b7d\u9810\u6e2c\u7531\u65bc\u806f\u90a6\u653f\u5e9c\u6536\u5165\u75b2\u8edf\uff0c\u4f46\u652f\u51fa\u537b\u7bc0\u7bc0\u6500\u5347\uff0c\u7f8e\u570b\u653f\u5e9c\u8d64\u5b57GDP\u7684\u6bd4\u91cd\u6703\u6301\u7e8c\u5347\u9ad8\uff0c\u5f9e2022\u5e74\u76843.7%\u9010\u5e74\u63d0\u9ad8\u81f32025\u5e74\u76846.9%\u3002\u7f8e\u570b\u653f\u5e9c\u4e2d\u671f\u7684\u8ca1\u653f\u6311\u6230\u4ecd\u6709\u5f85\u89e3\u6c7a\u3002<\/li>\n\n\n\n<li><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-palette-color-2-color\">\u7f8e\u570b\u7684\u50b5\u52d9\u4ecd\u5728\u4e0a\u5347<\/mark><\/strong>\uff1a2023\u5e74\u7f8e\u570b\u50b5\u52d9\u8207GDP\u7684\u6bd4\u4f8b\u70ba112.9%\uff0c\u96d6\u7136\u8f03\u53bb\u5e74\u56de\u843d\uff0c\u4f46\u662f\u4ecd\u9060\u9ad8\u65bc\u75ab\u60c5\u524d\u6c34\u6e96\u3002\u9019\u662fAAA\u7d1a\u570b\u5bb6\u50b5\u52d9\u5360\u6bd4\u4e2d\u4f4d\u657839.3%\u76842.5\u500d\u4ee5\u4e0a\u3002\u60e0\u8b7d\u4e5f\u9810\u6e2c\u50b5\u52d9\u4f54GDP\u7684\u6bd4\u4f8b\u9084\u6703\u6301\u7e8c\u4e0a\u5347\uff0c\u589e\u52a0\u7f8e\u570b\u8ca1\u653f\u8106\u5f31\u5ea6\u3002<\/li>\n\n\n\n<li><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-palette-color-2-color\">\u6cbb\u7406\u554f\u984c\u65e5\u6f38\u56b4\u91cd<\/mark><\/strong>\uff1a\u5118\u7ba1\u50f5\u5c40\u5f8c\u4f86\u89e3\u6c7a\uff0c\u5169\u9ee8\u9054\u6210\u5354\u8b70\u66ab\u6642\u89e3\u6c7a\u50b5\u52d9\u4e0a\u9650\u554f\u984c\uff0c\u4f46\u662f\u904e\u53bb20\u5e74\u4f86\u6cbb\u7406\u554f\u984c\u6301\u7e8c\u60e1\u5316\uff0c\u53cd\u8986\u51fa\u73fe\u50f5\u5c40\uff0c\u4e14\u7e3d\u662f\u5728\u6700\u5f8c\u4e00\u523b\u624d\u9054\u6210\u5354\u8b70\u3002\u518d\u52a0\u4e0a\u7f8e\u570b\u653f\u5e9c\u7f3a\u4e4f\u4e2d\u9577\u671f\u7684\u9810\u7b97\u6846\u67b6\uff0c\u4e00\u518d\u8972\u4f86\u7684\u7d93\u6fdf\u885d\u64ca\u8207\u76f8\u61c9\u800c\u751f\u7684\u6e1b\u7a05\u3001\u652f\u51fa\u64f4\u5f35\u4e5f\u52a0\u5287\u50b5\u52d9\u554f\u984c\u3002<\/li>\n<\/ol>\n\n\n\n<p>\u60e0\u8b7d\u4e5f\u63d0\u53ca\u5176\u4ed6\u56e0\u7d20\uff0c\u50cf\u662f\u901a\u81a8\u8207\u5347\u606f\u5e36\u4f86\u7684\u8ca1\u653f\u7dca\u7e2e\u5e36\u4f86\u7684\u554f\u984c\u3001\u4ee5\u53ca\u4eba\u53e3\u9ad8\u9f61\u5316\u5e36\u4f86\u7684\u9577\u671f\u652f\u51fa\u4e0a\u5347\u554f\u984c\u3002\u4e0d\u904e\u60e0\u8b7d\u4e5f\u63d0\u53ca<strong><mark style=\"background-color:#e1e8ed\" class=\"has-inline-color\">\u7f8e\u5143\u7684\u5f37\u52e2\u3001\u7f8e\u570b\u7684\u6574\u9ad4\u74b0\u5883\u8207\u826f\u597d\u7684ESG\u8868\u73fe\u4ecd\u7136\u662f\u652f\u6490\u8a55\u7d1a\u7684\u91cd\u8981\u6b63\u5411\u56e0\u7d20<\/mark><\/strong>\u3002<\/p>\n\n\n\n<h2 class=\"has-palette-color-3-color has-text-color wp-block-heading\">2011\u5e74\u6a19\u666e\u964d\u8a55\u7f8e\u570b\u4e3b\u6b0a\u4fe1\u8a55<\/h2>\n\n\n\n<p>\u7136\u800c\uff0c\u96d6\u7136\u5e02\u5834\u56e0\u6b64\u9707\u76ea\uff0c\u537b\u672a\u9020\u6210\u592a\u5927\u7684\u5f71\u97ff\u3002\u539f\u56e0\u4e4b\u4e00\u53ef\u80fd\u662f\uff1a\u9019\u4e0d\u662f\u6295\u8cc7\u4eba\u7b2c\u4e00\u6b21\u9047\u5230\u9019\u7a2e\u72c0\u6cc1\u4e86\uff01<\/p>\n\n\n\n<p>2011\u5e74\uff0c\u540c\u6a23\u4e5f\u767c\u751f\u4e86\u4e00\u6b21\u7f8e\u570b\u88ab\u964d\u8a55\u7684\u91cd\u5927\u4e8b\u4ef6\uff0c\u4f46\u662f\u4e3b\u89d2\u5247\u662f\u53e6\u4e00\u9593\u516c\u53f8 \u2014 \u6a19\u6e96\u666e\u723e\u3002\u7576\u6642\u7f8e\u570b\u540c\u6a23\u9677\u5165\u4e86\u50b5\u52d9\u4e0a\u9650\u5371\u6a5f\uff0c\u6b50\u5df4\u99ac\u653f\u5e9c\u548c\u5171\u548c\u9ee8\u653f\u5e9c\u9072\u9072\u672a\u80fd\u5c31\u50b5\u52d9\u4e0a\u9650\u3001\u52a0\u7a05\u3001\u958b\u652f\u7b49\u8b70\u984c\u9054\u6210\u5171\u8b58\uff0c\u5f15\u767c\u653f\u5e9c\u95dc\u9580\u7684\u5371\u6a5f\uff1b\u4e26\u4e14\u5728\u6700\u5f8c\u95dc\u982d\u624d\u9054\u6210\u5354\u8b70\u3002\u6a19\u666e\u4e5f\u5728\u96a8\u5f8c\u5ba3\u5e03\u5c07\u7f8e\u570b\u7684\u4fe1\u8a55\u5f9e\u6700\u9ad8\u7d1a\u7684AAA\u8abf\u964d\u6210AA+\uff0c\u958b\u4e86\u7b2c\u4e00\u69cd\u3002<\/p>\n\n\n\n<h3 class=\"has-palette-color-2-color has-text-color 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style=\"background-color:#e1e8ed\" class=\"has-inline-color\">\u7f8e\u570b\u8cc7\u7522\u5e02\u5834\u4ecd\u7136\u662f\u76f8\u5c0d\u7a69\u5065\u4ee5\u53ca\u5b89\u5168\u7684\u8cc7\u91d1\u505c\u6cca\u8655<\/mark><\/strong>\uff1b\u56e0\u6b64\u5728\u5e02\u5834\u52d5\u76ea\u52a0\u5287\u4e4b\u969b\uff0c\u8cc7\u91d1\u53cd\u800c\u53c8\u6d41\u56de\u7f8e\u570b\u5e02\u5834\uff0c\u7f8e\u50b5\u6b96\u5229\u7387\u4e0d\u589e\u53cd\u6e1b\u3002<\/p>\n\n\n\n<h3 class=\"has-palette-color-2-color has-text-color 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style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-palette-color-2-color\">\u5e02\u5834\u74b0\u5883\u5927\u4e0d\u540c<\/mark><\/strong>\uff1a2011\u5e74\u9069\u9022\u6b50\u50b5\u5371\u6a5f\uff0c\u5e02\u5834\u98a8\u8072\u9db4\u5533\uff0c\u6a19\u6e96\u666e\u723e\u5728\u6b64\u6642\u767c\u5e03\u81ea\u7136\u5f15\u767c\u5e02\u5834\u6050\u614c\u3002\u4f46\u662f\u73fe\u4eca\u96d6\u7136\u901a\u81a8\u554f\u984c\u56b4\u91cd\uff0c\u5229\u7387\u653f\u7b56\u7dca\u7e2e\uff0c\u4f46\u662f\u6574\u9ad4\u91d1\u878d\u5e02\u5834\u4ecd\u7b97\u7a69\u5b9a\u3002<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=6850\" target=\"_blank\" rel=\"noopener\" title=\"\">\u9ede\u6211\u770b\u6700\u65b0\u963f\u723e\u767c7\u6708\u91d1\u878d\u5e02\u5834\u56de\u9867\u3002<\/a><\/li>\n\n\n\n<li><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color 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has-palette-color-2-color\">\u5e02\u5834\u5df2\u7d93\u898b\u602a\u4e0d\u602a<\/mark><\/strong>\uff1a2011\u5e74\u6a19\u666e\u662f\u7834\u5929\u8352\u964d\u8a55\u7f8e\u570b\u4e3b\u6b0a\uff0c\u4f46\u662f\u9019\u6b21\u5df2\u6709\u5148\u4f8b\uff0c\u4e14\u7a46\u8fea\u76ee\u524d\u4e5f\u7dad\u6301\u540c\u6a23\u7684\u8a55\u50f9\u3002\u5118\u7ba1\u60e0\u8b7d\u7684\u964d\u8a55\u4ecd\u7136\u662f\u5c0d\u7f8e\u570b\u4fe1\u8b7d\u7684\u8fce\u982d\u91cd\u64ca\uff0c\u5f71\u97ff\u529b\u4e0d\u5982\u4e0a\u4e00\u6b21\u7684\u964d\u8a55\u3002<\/li>\n<\/ol>\n\n\n\n<h2 class=\"has-palette-color-3-color has-text-color 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decoding=\"async\" width=\"1412\" height=\"733\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/08\/image-10.png\" alt=\"\" class=\"wp-image-6875\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/08\/image-10.png 1412w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/08\/image-10-300x156.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/08\/image-10-1024x532.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/08\/image-10-768x399.png 768w\" sizes=\"auto, (max-width: 1412px) 100vw, 1412px\" \/><figcaption class=\"wp-element-caption\">8\/1\u60e0\u8b7d\u516c\u5e03\u964d\u8a55\u7f8e\u570b\u4e3b\u6b0a\u4e4b\u5f8c\uff0c\u7f8e\u50b5\u6b96\u5229\u7387\u98c6\u5347\uff08\u50f9\u683c\u4e0b\u8dcc\uff09\uff0c\u4e00\u5ea6\u89f8\u78b0\u53bb\u5e7411\u6708\u4ee5\u4f86\u65b0\u9ad8\uff0c\u7136\u800c\u5f88\u5feb\u4fbf\u56de\u843d\uff1b\u5f71\u97ff\u529b\u4e0d\u53ca15\u865f\u767c\u5e03\u7684\u8d85\u9810\u671f\u96f6\u552e\u92b7\u552e\u6578\u64da\u3002<br 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