{"id":13194,"date":"2020-02-26T04:12:04","date_gmt":"2020-02-25T20:12:04","guid":{"rendered":"https:\/\/www.lixiangluntan.com\/13194.html"},"modified":"2020-02-26T04:12:04","modified_gmt":"2020-02-25T20:12:04","slug":"%e5%ae%b6%e5%ba%ad%e7%90%86%e8%b4%a2%e6%9c%80%e4%bd%b3%e7%bb%84%e5%90%88%e6%98%af%e4%bb%80%e4%b9%88_%e7%ad%96%e7%95%a5%e6%8a%95%e8%b5%84%e7%a0%b4%e8%a7%a3","status":"publish","type":"post","link":"https:\/\/www.lixiangluntan.com\/?p=13194","title":{"rendered":"\u5bb6\u5ead\u7406\u8d22\u6700\u4f73\u7ec4\u5408\u662f\u4ec0\u4e48_\u7b56\u7565\u6295\u8d44\u7834\u89e3"},"content":{"rendered":"<blockquote style=\"font-size:15px;background-color: #F5F5F5;border:none;padding: 5px;margin:15px;line-height: 1.6;text-indent: 2em;\">\n<p style=\"margin-bottom:5px;\">\u9009\u80a1\u4e0d\u598250\u6307\u6570<\/p>\n<p>\u3000\u3000<br \/>\n<strong>\u9009\u80a1<\/strong>\u4e0d\u598250 \u3002\u52e4\u4e8e\u9009\u80a1\u4e0d\u5982\u770b\u6b7b50\u6307\u6570\u3002<\/p>\n<\/blockquote>\n<p>&nbsp;&nbsp;&nbsp;&nbsp; <\/p>\n<p> \u3000\u3000\u5bb6\u5ead<strong>\u7406\u8d22\u6700\u4f73\u7ec4\u5408<\/strong>\u662f\u4ec0\u4e48\uff1f\u4e0b\u9762\u77e5\u8bc6\u7f51\u4e3a\u60a8\u4ecb\u7ecd200\u4e07\u5143\u5bb6\u5ead\u7406\u8d22\u6700\u4f73\u7ec4\u5408\u3002<\/p>\n<p> \u3000\u3000\u62e5\u6709200\u4e07\u6d41\u52a8\u8d44\u91d1\u7684\u4e2d\u4ea7\u5bb6\u5ead\uff0c\u5982\u4f55\u914d\u7f6e\u8d44\u4ea7\uff0c\u4f7f\u6536\u76ca\u6700\u5927\u6700\u5c0f\uff1f<\/p>\n<p> \u3000\u3000\u7b54\u6848\u662f\uff1a30%\u80a1\u7968\uff0c20%\u503a\u5238\uff0c50%\u623f\u5730\u4ea7\u3002<\/p>\n<p> \u3000\u3000\u8fd9\u662f\u7406\u8d22\u5468\u62a5\u603b\u7ed3\u4e2d\u5916\u94f6\u884c\u4f17\u591a\u7406\u8d22\u89c4\u5212\u5e08\u5efa\u8bae\u540e\u5f97\u51fa\u7684\u7ed3\u8bba\uff0c\u53ea\u4ee3\u8868\u4e00\u822c\u60c5\u51b5\uff0c\u4e0d\u540c\u60c5\u51b5\u7684\u4e2d\u4ea7\u5bb6\u5ead\uff0c\u53ef\u5728\u6b64\u57fa\u7840\u4e0a\u76f8\u5e94\u53d8\u52a8\u3002<\/p>\n<p> \u3000\u3000\u7406\u8d22\u5468\u62a5\u5c06\u901a\u8fc7\u4e00\u4e2a\u5178\u578b\u6848\u4f8b\u5206\u6790\uff0c\u4e24\u79cd\u6295\u8d44\u98ce\u683c\uff08\u7a33\u5065\u578b\u548c\u8fdb\u53d6\u578b\uff09\u4e0d\u540c\u6295\u8d44\u65b9\u5f0f\u7684\u5efa\u8bae\uff0c\u548c\u6295\u8d44\u7406\u5ff5\u7684\u603b\u7ed3\uff0c\u544a\u8bc9\u4f60\uff0c\u62e5\u6709200\u4e07\u6d41\u52a8\u8d44\u91d1\u7684\u4e2d\u4ea7\u5bb6\u5ead\u5982\u4f55\u7406\u8d22\u3002<\/p>\n<p> \u3000\u3000\u8d44\u91d1\u7684\u4e94\u79cd\u6295\u8d44\u6e20\u9053<\/p>\n<p> \u3000\u3000\u6e23\u6253\u94f6\u884c\u7406\u8d22\u987e\u95ee\u628a\u4e2d\u4ea7\u5bb6\u5ead\u7684\u6295\u8d44\u6e20\u9053\u5206\u4e3a\u4ee5\u4e0b5\u79cd\uff1a\u7d27\u6025\u8d44\u91d1\uff08Emergency Funds\uff09\u3001\u4e3a\u81ea\u5df1\u548c\u5bb6\u4eba\u63d0\u4f9b\u4fdd\u969c\uff08Protection for yourself &amp;your family\uff09\u3001\u7269\u4e1a\u8d2d\u7f6e\u8ba1\u5212\uff08\u4ee5\u5c45\u4f4f\u4e3a\u76ee\u7684Home planning &amp;Ownership\uff09\u3001\u73b0\u91d1\u4e0e\u4fe1\u7528\u989d\u5ea6\u7ba1\u7406\uff08Crash &amp;Credit Management\uff09\u4ee5\u53ca\u50a8\u84c4\u4e0e\u6295\u8d44\uff08Saving &amp;Investment\uff09\u3002<\/p>\n<p> 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\u3000\u3000\u5bb6\u5ead\u60c5\u51b5\uff1aX\u5148\u751f\uff0c35\u5c81\uff0c\u5728\u4e00\u5bb6\u5916\u4f01\u5de5\u4f5c\uff0c\u59bb\u5b50\u662f\u9ad8\u4e2d\u8001\u5e08\uff0c\u4e24\u4eba\u6536\u5165\u7a33\u5b9a\uff0c\u5bb6\u5ead\u6708\u7a0e\u540e\u6536\u51653\u4e07\u5143\u5de6\u53f3\u3002\u5c0f\u5b69\u521a\u4e0a\u5c0f\u5b66\uff0c\u6709\u4e00\u5957\u623f\uff0c\u5e76\u4e14\u5df2\u8d2d\u8f66\uff0c\u4e5f\u6709\u4fdd\u9669\uff0c\u6d41\u52a8\u8d44\u4ea7\u5927\u6982200\u4e07\uff0c\u5e0c\u671b\u80fd\u6709\u4e00\u4e2a\u5408\u7406\u7684\u6295\u8d44\u5206\u914d\u3002<\/p>\n<p> 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\u3000\u3000\u5728\u94f6\u884c\u7406\u8d22\u4ea7\u54c1\u65b9\u9762\uff0c\u6295\u8d44\u79cd\u7c7b\u8f83\u591a\uff0c\u65b9\u5f0f\u4e5f\u7075\u6d3b\uff0c\u5982\u6700\u8fd1\u70ed\u95e8\u7684\u65b0\u80a1\u7533\u8d2d\u578b\u3001\u80a1\u7968\u6302\u94a9\u578b\u7b49\u7406\u8d22\u4ea7\u54c1\u90fd\u5f88\u53d7\u6b22\u8fce\uff0c\u7279\u522b\u662f\u503a\u5238\u578b\u7406\u8d22\u4ea7\u54c1\uff0c\u5728\u6536\u76ca\u4e0a\u6bd4\u8f83\u6709\u4fdd\u969c\u3002<\/p>\n<p> \u3000\u3000\u4e24\u79cd\u6295\u8d44\u98ce\u683c\u5bb6\u5ead\u5982\u4f55\u914d\u7f6e\u8d44\u4ea7<\/p>\n<p> \u3000\u3000\u82b1\u65d7\u94f6\u884c\uff08\u9999\u6e2f\uff09\u6709\u9650\u516c\u53f8\u7406\u8d22\u987e\u95ee\u544a\u8bc9\u7406\u8d22\u5468\u62a5\u8bb0\u8005\uff0c\u6bcf\u4e2a\u7406\u8d22\u8005\u53ca\u5176\u5bb6\u5ead\u6295\u8d44\u7406\u5ff5\u548c\u98ce\u9669\u627f\u53d7\u80fd\u529b\u90fd\u6709\u6240\u4e0d\u540c\uff0c\u8ba4\u8bc6\u5230\u8fd9\u4e00\u70b9\u5f80\u5f80\u662f\u8d22\u5bcc\u7ba1\u7406\u80fd\u5426\u987a\u5229\u5c55\u5f00\u7684\u7b2c\u4e00\u6b65\u3002\u8bb0\u8005\u6ce8\u610f\u5230\u76ee\u524d\u4e2d\u3001\u5916\u8d44\u94f6\u884c\u5728\u4e3a\u5ba2\u6237\u5f00\u5c55\u8d22\u5bcc\u7ba1\u7406\u89c4\u5212\u4e4b\u524d\u90fd\u4f1a\u505a\u4e00\u7cfb\u5217\u7684\u8bc4\u4f30\uff0c\u4ee5\u786e\u5b9a\u5ba2\u6237\u7684\u98ce\u9669\u504f\u597d\u548c\u98ce\u9669\u627f\u53d7\u80fd\u529b\u3002<\/p>\n<p> \u3000\u3000\u4e2d\u4ea7\u5bb6\u5ead\u5728\u8fdb\u884c\u8d22\u5bcc\u7ba1\u7406\u65f6\u5927\u81f4\u53ef\u5206\u4e3a\u7a33\u5065\u578b\u548c\u8fdb\u53d6\u578b\u3002\u901a\u8fc7\u4ee5\u4e0a\u6848\u4f8b\uff0c\u6211\u4eec\u53ef\u4ee5\u770b\u51fa\u62e5\u6709200\u4e07\u6d41\u52a8\u8d44\u91d1\u7684\u4e2d\u4ea7\u5bb6\u5ead\u914d\u7f6e\u8d44\u4ea7\u7684\u4e00\u822c\u60c5\u51b5\uff0c\u4f46\u5bf9\u4e8e\u7a33\u5065\u578b\u6295\u8d44\u8005\u548c\u8fdb\u53d6\u578b\u6295\u8d44\u8005\u6765\u8bf4\uff0c\u5177\u4f53\u7684\u914d\u7f6e\u65b9\u6848\u53c8\u6709\u6240\u4e0d\u540c\u3002<\/p>\n<p> \u3000\u3000\u4e3a\u6b64\u6211\u4eec\u5047\u8bbe\u6709\u4e24\u4f4d\u4e2d\u4ea7\u4eba\u58eb\uff0cA\uff08\u7a33\u5065\u578b\uff09\u548c\uff08B\u8fdb\u53d6\u578b\uff09\u90fd\u662f35\u5c81\u5de6\u53f3\uff0c\u4e09\u53e3\u4e4b\u5bb6\uff0c\u5404\u81ea\u62e5\u6709200\u4e07\u5143\u6d41\u52a8\u8d44\u4ea7\u3002<\/p>\n<p> \u3000\u3000\u6700\u4f73\u7ec4\u5408\uff1a30%\u80a1\u7968\uff0c 20%\u503a\u5238\uff0c50%\u623f\u5730\u4ea7<\/p>\n<p> \u3000\u3000\u5982\u679c\u628a200\u4e07\u5143\u505a\u7b80\u5355\u914d\u7f6e\uff1a\u80a1\u7968\u3001\u503a\u5238\u3001\u73b0\u91d1\uff0c\u6e23\u6253\u94f6\u884c\u5411\u7406\u8d22\u5468\u62a5\u63d0\u4f9b\u4e86\u4ee5\u4e0b\u6536\u76ca\u548c\u98ce\u9669\u5750\u6807\u56fe\u3002<\/p>\n<p> 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20%\u503a\u5238\uff0c50%\u623f\u5730\u4ea7\u6765\u914d\u7f6e\u53ef\u4ee5\u8fbe\u5230\u4f4e\u98ce\u9669\u9ad8\u6536\u76ca\u7684\u6548\u679c\u3002<\/p>\n<p> \u3000\u3000\u7a33\u5065\u578b\u5bb6\u5ead\u5982\u4f55\u914d\u7f6e\u8d44\u4ea7<\/p>\n<p> \u3000\u3000\u5bf9\u4e8e\u4fdd\u5b88\u578b\u7684A\uff0c\u5728\u8fdb\u884c\u8d44\u91d1\u914d\u7f6e\u7684\u65f6\u5019\uff0c\u5219\u53ef\u4ee5\u628a\u8f83\u5927\u6bd4\u4f8b\u8d44\u91d1\u914d\u7f6e\u5728\u4fdd\u672c\u578b\u7684\u7406\u8d22\u4ea7\u54c1\u3002\u800c\u5c0f\u6bd4\u4f8b\u8d44\u91d1\u914d\u7f6e\u5728\u975e\u4fdd\u672c\u7684QDII\u4ea7\u54c1\u3002\u5047\u8bbeA\u628a\u5168\u90e8200\u4e07\u6d41\u52a8\u8d44\u91d1\u7528\u6765\u6295\u8d44\u94f6\u884c\u7406\u8d22\u4ea7\u54c1\uff0c\u6e23\u6253\u94f6\u884c\u7406\u8d22\u987e\u95ee\u4e3aA\u8bbe\u8ba1\u51fa\u7531\u4e09\u7c7b\u4ea7\u54c1\u7ec4\u5408\u7684\u6295\u8d44\u65b9\u6848\uff1a<\/p>\n<p> \u3000\u3000\u4ee5\u7b2c\u4e00\u7c7b\u8d44\u4ea7\u7ec4\u5408\u4e3a\u4f8b\uff0c\u5176\u9884\u671f\u56de\u62a5\u53ef\u5206\u4e3a\u4e09\u79cd\uff0c\u5373\u6700\u597d\u60c5\u51b5\u3001\u4e00\u822c\u60c5\u51b5\u6216\u8f83\u5dee\u60c5\u51b5\u3002\u5728\u6700\u597d\u60c5\u51b5\u7684\u4e09\u7c7b\u6295\u8d44\u6536\u76ca\u5206\u522b\u4e3a9.5%\u300110%\u548c40%\uff0c\u4e00\u822c\u90fd\u80fd\u8fbe\u52308%\u30019%\u300130%\uff0c\u6700\u5dee\u53ef\u4ee5\u8fbe\u52304%\u30015%\u300120%\uff08\u5982\u56fe\uff09\uff0c\u800c\u6295\u8d44\u671f\u9650\u4e3a\u6700\u957f2\u5e74\u96f66\u4e2a\u6708\uff0c\u6700\u77ed3\u4e2a\u6708\u3002<\/p>\n<p> 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