{"id":3019,"date":"2022-12-16T14:22:58","date_gmt":"2022-12-16T06:22:58","guid":{"rendered":"https:\/\/blog.moneybook.com.tw\/?p=3019"},"modified":"2022-12-16T14:26:36","modified_gmt":"2022-12-16T06:26:36","slug":"%e5%8d%87%e6%81%af%e6%98%af%e4%bb%80%e9%ba%bc%ef%bc%9f%e5%8d%87%e6%81%af%e4%b8%80%e7%a2%bc%e6%98%af%e5%a4%9a%e5%b0%91%ef%bc%9f%e5%8d%87%e6%81%af%e5%a5%bd%e8%99%95%e8%88%87%e5%b0%8d%e5%ae%9a%e5%ad%98","status":"publish","type":"post","link":"https:\/\/blog.moneybook.com.tw\/?p=3019","title":{"rendered":"\u5347\u606f\u610f\u601d\u8207\u5347\u606f\u4e00\u78bc\u662f\u591a\u5c11\uff1f\u5347\u606f\u5f71\u97ff\u623f\u8cb8\u3001\u5b9a\u5b58\u3001\u80a1\u5e02\u591a\u5c11\u9322\uff1f"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/09\/\u5347\u606f\u662f\u4ec0\u9ebc\uff5c\u9ebb\u5e03\u8a18\u5e33Moneybook_\u5de5\u4f5c\u5340\u57df-1.png?resize=1024%2C576\" alt=\"\u5347\u606f\u4e00\u78bc\u662f\u591a\u5c11\" class=\"wp-image-3020\" srcset=\"https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/09\/\u5347\u606f\u662f\u4ec0\u9ebc\uff5c\u9ebb\u5e03\u8a18\u5e33Moneybook_\u5de5\u4f5c\u5340\u57df-1.png?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/09\/\u5347\u606f\u662f\u4ec0\u9ebc\uff5c\u9ebb\u5e03\u8a18\u5e33Moneybook_\u5de5\u4f5c\u5340\u57df-1.png?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/09\/\u5347\u606f\u662f\u4ec0\u9ebc\uff5c\u9ebb\u5e03\u8a18\u5e33Moneybook_\u5de5\u4f5c\u5340\u57df-1.png?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/09\/\u5347\u606f\u662f\u4ec0\u9ebc\uff5c\u9ebb\u5e03\u8a18\u5e33Moneybook_\u5de5\u4f5c\u5340\u57df-1.png?w=1280&amp;ssl=1 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption>\u5347\u606f\u662f\u4ec0\u9ebc\uff5c\u9ebb\u5e03\u8a18\u5e33Moneybook<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-background has-palette-color-5-background-color has-palette-color-5-color is-style-dots\"\/>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>\u5347\u606f\u610f\u601d\u8207\u5347\u606f\u4e00\u78bc\u662f\u591a\u5c11\uff1f\u5347\u606f\u5f71\u97ff\u623f\u8cb8\u3001\u5b9a\u5b58\u3001\u80a1\u5e02\u591a\u5c11\u9322\uff1f\u9ebb\u5e03\u8a18\u5e33\u6574\u7406\u5347\u606f\u662f\u4ec0\u9ebc\u3001\u901a\u81a8\u70ba\u4ec0\u9ebc\u8981\u5347\u606f\uff0c\u4ee5\u53ca\u53f0\u7063\u8ddf\u9032\u7f8e\u570b\u5347\u606f\u5c0d\u623f\u8cb8\u3001\u5b9a\u5b58\u3001\u80a1\u5e02\u7684\u5f71\u97ff\u3002<\/strong><\/p><\/blockquote>\n\n\n\n<pre class=\"wp-block-verse\">\u7f8e\u570b\u806f\u6e96\u6703\uff08Fed\uff09\u9023\u7e8c\u4e94\u6b21\u5ba3\u5e03\u5347\u606f\uff0c2022 \u5e74 3 \u6708\u81f3\u4eca\u5df2\u7d2f\u8a08\u5347\u606f 17 \u78bc\uff01\u800c\u6211\u570b\u592e\u884c 12 \u6708 15 \u65e5\u4e5f\u8ddf\u9032\u5347\u606f\u534a\u78bc\uff0c\u8b93\u91cd\u8cbc\u73fe\u7387\u4f86\u5230 1.75%\uff0c\u5275 2015 \u5e74 12 \u6708\u4ee5\u4f86\u65b0\u9ad8\uff0c\u4e5f\u662f 2022 \u5e74\u4ee5\u4f86\u300c\u9023\u56db\u5347\u300d\uff0c\u5c0d\u9996\u7576\u5176\u885d\u7684\u623f\u8cb8\u65cf\u800c\u8a00\uff0c\u7b49\u65bc\u6bcf\u5e74\u8981\u591a\u7e73\u4e00\u500b\u6708\u7684\u623f\u8cb8\uff01\u7a76\u7adf\u5347\u606f\u662f\u4ec0\u9ebc\uff1f\u901a\u8ca8\u81a8\u8139\u70ba\u4f55\u8981\u5347\u606f\uff1f\u53f0\u7063\u8ddf\u9032\u7f8e\u570b\u5347\u606f\u5c0d\u623f\u8cb8\u3001\u5b9a\u5b58\u3001\u80a1\u5e02\u6709\u54ea\u4e9b\u5f71\u97ff\u5462\uff1f\u672c\u6587\u5347\u606f\u61f6\u4eba\u5305\uff0c\u9ebb\u5e03\u8a18\u5e33\u4e00\u6b21\u5e6b\u4f60\u6574\u7406\u597d\uff01<\/pre>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-background has-palette-color-5-background-color has-palette-color-5-color is-style-dots\"\/>\n\n\n\n<div id=\"rtoc-mokuji-wrapper\" class=\"rtoc-mokuji-content frame2 preset5 animation-fade rtoc_open default\" data-id=\"3019\" data-theme=\"Blocksy\">\n\t\t\t<div id=\"rtoc-mokuji-title\" class=\" rtoc_left\">\n\t\t\t<button class=\"rtoc_open_close rtoc_open\"><\/button>\n\t\t\t<span>\u76ee\u9304<\/span>\n\t\t\t<\/div><ul class=\"rtoc-mokuji mokuji_ul level-1\"><li class=\"rtoc-item\"><a href=\"#rtoc-1\"><strong><strong><strong>\u5347\u606f\u610f\u601d\u662f\u4ec0\u9ebc\u8207\u5347\u606f\u4e00\u78bc\u662f\u591a\u5c11\uff1f<\/strong><\/strong><\/strong><\/a><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-2\"><strong><strong>\u57fa\u6e96\u5229\u7387\u662f\u4ec0\u9ebc\uff1f\u9762\u5c0d\u901a\u8ca8\u901a\u81a8\u70ba\u4ec0\u9ebc\u8981\u5347\u606f\uff1f<\/strong><\/strong><\/a><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-3\"><strong>\u5347\u606f\u6703\u600e\u6a23\uff1f<\/strong><\/a><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-4\"><strong><strong>2022\u7f8e\u570b\u5347\u606f\u5c0d\u53f0\u7063\u7684\u5f71\u97ff<\/strong><\/strong><\/a><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-5\"><strong><strong><strong>\u5347\u606f\u597d\u8655\u8207\u58de\u8655\u6709\u54ea\u4e9b\uff1f<\/strong><\/strong><\/strong><\/a><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-6\"><strong><strong>\u5347\u606f\u5c0d\u5b9a\u5b58\u7684\u5f71\u97ff<\/strong><\/strong><\/a><ul class=\"rtoc-mokuji mokuji_ul level-2\"><li class=\"rtoc-item\"><a href=\"#rtoc-7\"><strong><strong>\u5b9a\u5b58\u5229\u7387\u589e\u52a0<\/strong><\/strong><\/a><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-8\"><strong>\u5347\u606f\u5b58\u6b3e\u8a66\u7b97<\/strong><\/a><\/li><\/ul><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-9\"><strong><strong>\u5347\u606f\u5c0d\u623f\u8cb8\u7684\u5f71\u97ff<\/strong><\/strong><\/a><ul class=\"rtoc-mokuji mokuji_ul level-2\"><li class=\"rtoc-item\"><a href=\"#rtoc-10\"><strong><strong>\u8cb8\u6b3e\u5229\u7387\u589e\u52a0<\/strong><\/strong><\/a><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-11\"><strong><strong>\u5347\u606f\u623f\u8cb8\u8a66\u7b97<\/strong><\/strong><\/a><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-12\"><strong>\u5982\u679c\u4f60\u6e96\u5099\u8cb7\u623f\uff1a\u8a18\u5f97\u591a\u7559\u4e00\u7b46\u8cfc\u5c4b\u6e96\u5099\u91d1<\/strong><\/a><\/li><\/ul><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-13\"><strong><strong>\u5347\u606f\u5c0d\u4fdd\u96aa\u7684\u5f71\u97ff\uff1a\u6709\u6a5f\u6703\u4eab\u53d7\u5229\u5dee<\/strong><\/strong><\/a><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-14\"><strong><strong>\u5347\u606f\u6295\u8cc7\u7b56\u7565\u65b9\u5411\u5982\u4f55\u8abf\u6574\uff1f<\/strong><\/strong><\/a><ul class=\"rtoc-mokuji mokuji_ul level-2\"><li class=\"rtoc-item\"><a href=\"#rtoc-15\"><strong>\u9577\u671f\u767c\u5c55\u8da8\u52e2\u6a19\u7684\uff1aESG\u3001AI<\/strong><\/a><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-16\"><strong>\u666f\u6c23\u5faa\u74b0\u80a1\uff1a\u534a\u5c0e\u9ad4\u3001\u539f\u7269\u6599\u3001\u80fd\u6e90\u80a1<\/strong><\/a><\/li><\/ul><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-17\"><strong>\u5347\u606f\u7406\u8ca1\u5e38\u898b\u554f\u984c<\/strong><\/a><\/li><\/ul><\/div><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">\u900f\u904e\u672c\u6587 \u9ebb\u7de8\u60f3\u8981\u544a\u8a34\u4f60\uff1a<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-6a0c660f547ef\" aria-label=\"\u5167\u5bb9\u76ee\u9304\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #192a3d;color:#192a3d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 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title=\"\u5347\u606f\u610f\u601d\u662f\u4ec0\u9ebc\u8207\u5347\u606f\u4e00\u78bc\u662f\u591a\u5c11\uff1f\">\u5347\u606f\u610f\u601d\u662f\u4ec0\u9ebc\u8207\u5347\u606f\u4e00\u78bc\u662f\u591a\u5c11\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blog.moneybook.com.tw\/?p=3019\/#%E5%9F%BA%E6%BA%96%E5%88%A9%E7%8E%87%E6%98%AF%E4%BB%80%E9%BA%BC%EF%BC%9F%E9%9D%A2%E5%B0%8D%E9%80%9A%E8%B2%A8%E9%80%9A%E8%86%A8%E7%82%BA%E4%BB%80%E9%BA%BC%E8%A6%81%E5%8D%87%E6%81%AF%EF%BC%9F\" title=\"\u57fa\u6e96\u5229\u7387\u662f\u4ec0\u9ebc\uff1f\u9762\u5c0d\u901a\u8ca8\u901a\u81a8\u70ba\u4ec0\u9ebc\u8981\u5347\u606f\uff1f\">\u57fa\u6e96\u5229\u7387\u662f\u4ec0\u9ebc\uff1f\u9762\u5c0d\u901a\u8ca8\u901a\u81a8\u70ba\u4ec0\u9ebc\u8981\u5347\u606f\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" 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class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/blog.moneybook.com.tw\/?p=3019\/#%E5%8D%87%E6%81%AF%E5%B0%8D%E6%88%BF%E8%B2%B8%E7%9A%84%E5%BD%B1%E9%9F%BF\" title=\"\u5347\u606f\u5c0d\u623f\u8cb8\u7684\u5f71\u97ff\">\u5347\u606f\u5c0d\u623f\u8cb8\u7684\u5f71\u97ff<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/blog.moneybook.com.tw\/?p=3019\/#%E8%B2%B8%E6%AC%BE%E5%88%A9%E7%8E%87%E5%A2%9E%E5%8A%A0\" title=\"\u8cb8\u6b3e\u5229\u7387\u589e\u52a0\">\u8cb8\u6b3e\u5229\u7387\u589e\u52a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/blog.moneybook.com.tw\/?p=3019\/#%E5%8D%87%E6%81%AF%E6%88%BF%E8%B2%B8%E8%A9%A6%E7%AE%97\" title=\"\u5347\u606f\u623f\u8cb8\u8a66\u7b97\">\u5347\u606f\u623f\u8cb8\u8a66\u7b97<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/blog.moneybook.com.tw\/?p=3019\/#%E5%A6%82%E6%9E%9C%E4%BD%A0%E6%BA%96%E5%82%99%E8%B2%B7%E6%88%BF%EF%BC%9A%E8%A8%98%E5%BE%97%E5%A4%9A%E7%95%99%E4%B8%80%E7%AD%86%E8%B3%BC%E5%B1%8B%E6%BA%96%E5%82%99%E9%87%91\" title=\"\u5982\u679c\u4f60\u6e96\u5099\u8cb7\u623f\uff1a\u8a18\u5f97\u591a\u7559\u4e00\u7b46\u8cfc\u5c4b\u6e96\u5099\u91d1\">\u5982\u679c\u4f60\u6e96\u5099\u8cb7\u623f\uff1a\u8a18\u5f97\u591a\u7559\u4e00\u7b46\u8cfc\u5c4b\u6e96\u5099\u91d1<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/blog.moneybook.com.tw\/?p=3019\/#%E5%8D%87%E6%81%AF%E5%B0%8D%E4%BF%9D%E9%9A%AA%E7%9A%84%E5%BD%B1%E9%9F%BF%EF%BC%9A%E6%9C%89%E6%A9%9F%E6%9C%83%E4%BA%AB%E5%8F%97%E5%88%A9%E5%B7%AE\" title=\"\u5347\u606f\u5c0d\u4fdd\u96aa\u7684\u5f71\u97ff\uff1a\u6709\u6a5f\u6703\u4eab\u53d7\u5229\u5dee\">\u5347\u606f\u5c0d\u4fdd\u96aa\u7684\u5f71\u97ff\uff1a\u6709\u6a5f\u6703\u4eab\u53d7\u5229\u5dee<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/blog.moneybook.com.tw\/?p=3019\/#%E5%8D%87%E6%81%AF%E6%8A%95%E8%B3%87%E7%AD%96%E7%95%A5%E6%96%B9%E5%90%91%E5%A6%82%E4%BD%95%E8%AA%BF%E6%95%B4%EF%BC%9F\" title=\"\u5347\u606f\u6295\u8cc7\u7b56\u7565\u65b9\u5411\u5982\u4f55\u8abf\u6574\uff1f\">\u5347\u606f\u6295\u8cc7\u7b56\u7565\u65b9\u5411\u5982\u4f55\u8abf\u6574\uff1f<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/blog.moneybook.com.tw\/?p=3019\/#%E9%95%B7%E6%9C%9F%E7%99%BC%E5%B1%95%E8%B6%A8%E5%8B%A2%E6%A8%99%E7%9A%84%EF%BC%9AESG%E3%80%81AI\" title=\"\u9577\u671f\u767c\u5c55\u8da8\u52e2\u6a19\u7684\uff1aESG\u3001AI\">\u9577\u671f\u767c\u5c55\u8da8\u52e2\u6a19\u7684\uff1aESG\u3001AI<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/blog.moneybook.com.tw\/?p=3019\/#%E6%99%AF%E6%B0%A3%E5%BE%AA%E7%92%B0%E8%82%A1%EF%BC%9A%E5%8D%8A%E5%B0%8E%E9%AB%94%E3%80%81%E5%8E%9F%E7%89%A9%E6%96%99%E3%80%81%E8%83%BD%E6%BA%90%E8%82%A1\" title=\"\u666f\u6c23\u5faa\u74b0\u80a1\uff1a\u534a\u5c0e\u9ad4\u3001\u539f\u7269\u6599\u3001\u80fd\u6e90\u80a1\">\u666f\u6c23\u5faa\u74b0\u80a1\uff1a\u534a\u5c0e\u9ad4\u3001\u539f\u7269\u6599\u3001\u80fd\u6e90\u80a1<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/blog.moneybook.com.tw\/?p=3019\/#%E5%8D%87%E6%81%AF%E7%90%86%E8%B2%A1%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C\" title=\"\u5347\u606f\u7406\u8ca1\u5e38\u898b\u554f\u984c\">\u5347\u606f\u7406\u8ca1\u5e38\u898b\u554f\u984c<\/a><\/li><\/ul><\/nav><\/div>\n<h2 id=\"rtoc-1\"  class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%8D%87%E6%81%AF%E6%84%8F%E6%80%9D%E6%98%AF%E4%BB%80%E9%BA%BC%E8%88%87%E5%8D%87%E6%81%AF%E4%B8%80%E7%A2%BC%E6%98%AF%E5%A4%9A%E5%B0%91%EF%BC%9F\"><\/span><strong><strong><strong>\u5347\u606f\u610f\u601d\u662f\u4ec0\u9ebc\u8207\u5347\u606f\u4e00\u78bc\u662f\u591a\u5c11\uff1f<\/strong><\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>\u5347\u606f<\/strong>\u6307\u7684\u662f<strong>\u300c\u8abf\u5347\u57fa\u6e96\u5229\u7387\uff08Base rate\uff09\u300d<\/strong>\uff0c\u662f\u5404\u570b\u4e2d\u592e\u9280\u884c<strong><span style=\"color:#e69138\" class=\"has-inline-color\">\u70ba\u4e86\u63a7\u5236\u5e02\u5834\u8cc7\u91d1\u6d41\u901a\u6578\u91cf\u800c\u796d\u51fa\u7684\u8ca8\u5e63\u7dca\u7e2e\u63aa\u65bd<\/span><\/strong>\u3002<\/p>\n\n\n\n<ul><li>\u5347\u606f 1 \u78bc\uff0c\u7b49\u65bc\u8abf\u5347\u57fa\u6e96\u5229\u7387 0.25%<\/li><li>\u5347\u606f\u534a\u78bc\uff0c\u7b49\u65bc\u8abf\u5347\u57fa\u6e96\u5229\u7387 0.125%<\/li><\/ul>\n\n\n\n<p>\u8209\u4f8b\u4f86\u8aaa\uff0c\u7f8e\u570b\u806f\u6e96\u6703\uff08Fed\uff09\u70ba\u4e86\u6291\u5236\u901a\u8ca8\u81a8\u8139\uff0c2022 \u5e74 12 \u6708 15 \u65e5\u518d\u5ea6\u5ba3\u5e03\u5347\u606f 2 \u78bc\uff0c\u4e5f\u5c31\u662f\u5c07\u57fa\u6e96\u5229\u7387\u8abf\u9ad8 0.5%\uff08\u8a08\u7b97\u65b9\u5f0f\u70ba 0.25% x 2 = 0.5%\uff09\uff0c\u4f7f\u7f8e\u570b\u653f\u7b56\u57fa\u6e96\u5229\u7387\u7bc4\u570d\u4e0a\u5347\u5230 4.25% \u81f3 4.50% \u4e4b\u9593\u3002<\/p>\n\n\n\n<p>\u9019\u662f\u7f8e\u570b\u9023\u7e8c\u7b2c\u4e94\u6b21\u5347\u606f\uff0c2022 \u5e74 3 \u6708\u81f3\u4eca\u5df2\u7d2f\u8a08\u5347\u606f 17 \u78bc\uff0c\u5275\u4e0b 2008 \u5e74\u91d1\u878d\u6d77\u562f\u4ee5\u4f86\u7684\u5229\u7387\u65b0\u9ad8\uff0c\u4e14 Fed \u4e3b\u5e2d\u9810\u4f30\u8981\u5230 2024 \u5e74\u624d\u6703\u964d\u606f\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-background has-palette-color-5-background-color has-palette-color-5-color is-style-dots\"\/>\n\n\n\n<h2 id=\"rtoc-2\"  class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%9F%BA%E6%BA%96%E5%88%A9%E7%8E%87%E6%98%AF%E4%BB%80%E9%BA%BC%EF%BC%9F%E9%9D%A2%E5%B0%8D%E9%80%9A%E8%B2%A8%E9%80%9A%E8%86%A8%E7%82%BA%E4%BB%80%E9%BA%BC%E8%A6%81%E5%8D%87%E6%81%AF%EF%BC%9F\"><\/span><strong><strong>\u57fa\u6e96\u5229\u7387\u662f\u4ec0\u9ebc\uff1f\u9762\u5c0d\u901a\u8ca8\u901a\u81a8\u70ba\u4ec0\u9ebc\u8981\u5347\u606f\uff1f<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u9019\u88e1\u7684\u57fa\u6e96\u5229\u7387\uff0c\u6307\u7684\u662f<strong><span style=\"color:#e69138\" class=\"has-inline-color\">\u4e2d\u592e\u9280\u884c\u63d0\u4f9b\u8cc7\u91d1\u7d66\u5546\u696d\u9280\u884c\u7684\u653e\u6b3e\u5229\u7387<\/span><\/strong>\uff0c\u7576\u4e2d\u592e\u9280\u884c\u8abf\u5347\/\u8abf\u964d\u57fa\u6e96\u5229\u7387\u6642\uff0c\u5546\u696d\u9280\u884c\u4e5f\u6703\u540c\u6b65\u8abf\u6574\u5c0d\u6c11\u9593\u7684\u653e\u6b3e\u5229\u7387\uff0c\u4e26\u6703\u9023\u5e36\u5f71\u97ff\u5230\u5b58\u6b3e\u5229\u7387\u3001\u8cb8\u6b3e\u5229\u7387\u3001\u8cc7\u7522\u5b9a\u50f9\uff0c\u78ba\u4fdd\u7372\u5229\u7a7a\u9593\u3002<\/p>\n\n\n\n<p>\u800c\u5347\u606f\u901a\u5e38\u767c\u751f\u5728\u5e02\u5834\u8ca8\u5e63\u6d41\u901a\u6578\u91cf\u5927\u65bc\u9700\u6c42\u91cf\uff0c<strong>\u901a\u8ca8\u81a8\u8139<\/strong>\u65e5\u8da8\u56b4\u91cd\u6642\uff0c\u56e0\u70ba\u901a\u8ca8\u81a8\u8139\u4ee3\u8868\u91d1\u878d\u5e02\u5834\u4e0a\u7684\u77ed\u671f\u6295\u8cc7\u300c\u71b1\u9322\u300d\u904e\u591a\uff0c\u6c11\u773e\u624b\u4e0a\u6301\u6709\u7684\u8ca8\u5e63\u8cc7\u7522\u6703\u8cb6\u503c\u3002<\/p>\n\n\n\n<p>\u6b64\u6642\uff0c\u5404\u570b\u592e\u884c\u5c31\u6703\u900f\u904e\u8abf\u5347\u57fa\u6e96\u5229\u7387\uff0c\u8b93\u5546\u696d\u9280\u884c\u7684\u5b58\u6b3e\u5229\u7387\u8ddf\u8457\u63d0\u9ad8\uff0c\u8b93\u4e00\u822c\u6c11\u773e<strong><span style=\"color:#e69138\" class=\"has-inline-color\">\u66f4\u9858\u610f\u5c07\u9322\u5b58\u5728\u9280\u884c<\/span><\/strong>\u3002<\/p>\n\n\n\n<p>\u5982\u6b64\u4e00\u4f86\uff0c\u5c31\u80fd\u6709\u6548\u6291\u5236\u91d1\u878d\u5e02\u5834\u4e0a\u8ca8\u5e63\u8ddf\u8cc7\u91d1\u7684\u6d41\u901a\u6578\u91cf\uff0c\u6e1b\u7de9\u6c11\u773e\u7684\u6d88\u8cbb\u617e\u671b\u8207\u6295\u8cc7\u884c\u70ba\uff0c\u9032\u4e00\u6b65\u5e6b\u52a9\u7d93\u6fdf\u964d\u6eab\u3001\u7de9\u89e3\u901a\u81a8\uff0c\u4ee5\u9054\u5230\u8abf\u7bc0\u7d93\u6fdf\u3001\u7a69\u5b9a\u570b\u5bb6\u91d1\u878d\u5e02\u5834\u7684\u76ee\u6a19\u3002<\/p>\n\n\n\n<pre class=\"wp-block-verse\"><strong>\u5347\u606f\u6703\u76f4\u63a5\u5f71\u97ff\u5b58\u6b3e\u5229\u7387\uff0c\u4f7f\u7528\u9ebb\u5e03\u8a18\u5e33\u5e33\u6236\u6574\u5408\u529f\u80fd\uff0c\u4e00\u500b\u4ecb\u9762\u7ba1\u7406\u6563\u843d\u5728\u4e0d\u540c\u9280\u884c\u7684\u8cc7\u7522\uff0c\u8b93\u60a8\u4e0d\u82b1\u6642\u9593\u5c31\u80fd\u5373\u6642\u638c\u63e1\u8ca1\u52d9\u8b8a\u52d5\uff0c\u6700\u7c21\u55ae\u7684\u5168\u8cc7\u7522\u7ba1\u7406\u65b9\u5f0f\uff0c\u7406\u8ca1\u4e0d\u518d\u624b\u5fd9\u8173\u4e82\uff01<\/strong><\/pre>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=\"https:\/\/moneybook.page.link\/blogDL\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"1024\" src=\"https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/11\/\u8cc7\u8a0a\u6b04\u591a\u500b\u5e33\u62361118_\u5de5\u4f5c\u5340\u57df-36-576x1024.png?resize=576%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-3968\" srcset=\"https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/11\/\u8cc7\u8a0a\u6b04\u591a\u500b\u5e33\u62361118_\u5de5\u4f5c\u5340\u57df-36.png?resize=576%2C1024&amp;ssl=1 576w, https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/11\/\u8cc7\u8a0a\u6b04\u591a\u500b\u5e33\u62361118_\u5de5\u4f5c\u5340\u57df-36.png?resize=169%2C300&amp;ssl=1 169w, https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/11\/\u8cc7\u8a0a\u6b04\u591a\u500b\u5e33\u62361118_\u5de5\u4f5c\u5340\u57df-36.png?w=720&amp;ssl=1 720w\" sizes=\"(max-width: 576px) 100vw, 576px\" data-recalc-dims=\"1\" \/><\/a><\/figure><\/div>\n\n\n\n<pre class=\"wp-block-verse has-text-align-center has-medium-font-size\"><strong>\u7528\u9ebb\u5e03\u7ba1\u7406\u8ca1\u52d9\uff0c\u4e00\u79d2\u770b\u61c2\u6bcf\u500b\u5e33\u6236\u91d1\u984d\u8b8a\u52d5\u8207\u9918\u984d<\/strong><\/pre>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100 is-style-outline\"><a class=\"wp-block-button__link\" href=\"https:\/\/moneybook.page.link\/blogDL\" style=\"border-radius:5px\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u7acb\u5373\u514d\u8cbb\u4e0b\u8f09<\/strong> <\/a><\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-background has-palette-color-5-background-color has-palette-color-5-color is-style-dots\"\/>\n\n\n\n<h2 id=\"rtoc-3\"  class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%8D%87%E6%81%AF%E6%9C%83%E6%80%8E%E6%A8%A3%EF%BC%9F\"><\/span><strong>\u5347\u606f\u6703\u600e\u6a23\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u8abf\u6574\u5229\u7387\u662f\u592e\u884c\u7a69\u5b9a\u570b\u5bb6\u91d1\u878d\u5e02\u5834\u7684\u624b\u6bb5\u4e4b\u4e00\uff0c\u4e0d\u8ad6\u5347\u606f\u6216\u964d\u606f\uff0c\u53ea\u8981\u662f\u8abf\u6574\u570b\u5bb6\u57fa\u6e96\u5229\u7387\uff0c\u90fd\u6703\u76f4\u63a5\u5f71\u97ff\u8ca8\u5e63\u6d41\u901a\u91cf\uff0c\u5c24\u5176\u5347\u606f\u53ef\u80fd\u9020\u6210\u91d1\u878d\u5e02\u5834\u9707\u76ea\uff0c\u592e\u884c\u90fd\u6703\u5be9\u614e\u8a55\u4f30\u5f8c\u624d\u65bd\u884c\u3002<\/p>\n\n\n\n<p>\u4ee5\u53f0\u7063\u70ba\u4f8b\uff0c\u592e\u884c\u555f\u52d5\u5347\u606f\u5fc5\u9808\u7b26\u5408\u5169\u9805\u7d93\u6fdf\u6307\u6a19\uff0c\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul><li>\u901a\u8ca8\u81a8\u8139\u7387\uff1a\u9ad8\u65bc 2%\uff0c\u4e14\u6301\u7e8c\u63d0\u5347\u3002<\/li><li>\u5931\u696d\u7387\uff1a\u4f4e\u65bc 7%\uff0c\u4f46\u52de\u52d5\u5e02\u5834\u8da8\u65bc\u7a69\u5b9a\u3002<\/li><\/ul>\n\n\n\n<p>\u9054\u5230\u4e0a\u8ff0\u6307\u6a19\u5f8c\uff0c\u592e\u884c\u624d\u6703\u7814\u8b70\u662f\u5426\u5347\u606f\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-background has-palette-color-5-background-color has-palette-color-5-color is-style-dots\"\/>\n\n\n\n<h2 id=\"rtoc-4\"  class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2022%E7%BE%8E%E5%9C%8B%E5%8D%87%E6%81%AF%E5%B0%8D%E5%8F%B0%E7%81%A3%E7%9A%84%E5%BD%B1%E9%9F%BF\"><\/span><strong><strong>2022\u7f8e\u570b\u5347\u606f\u5c0d\u53f0\u7063\u7684\u5f71\u97ff<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5347\u606f\u9664\u4e86\u6703\u5f71\u97ff\u81ea\u5df1\u570b\u5bb6\u7684\u91d1\u878d\u5e02\u5834\u5916\uff0c\u4e5f\u6703\u9020\u6210\u570b\u969b\u91d1\u878d\u9707\u76ea\u3002\u4f8b\u5982\uff0c\u7f8e\u570b\u9023\u7e8c\u4e94\u6b21\u5347\u606f\uff0c\u5c31\u6703\u64f4\u5927\u53f0\u7f8e\u5229\u5dee\uff0c\u6b64\u72c0\u6cc1\u53ef\u80fd\u5c0e\u81f4\u8cc7\u91d1\u6d41\u51fa\uff0c\u4f46\u5c08\u5bb6\u8a8d\u70ba\uff0c\u4eca\u5e74\u5ea6\u7f8e\u570b\u5347\u606f\u9084\u4e0d\u81f3\u65bc\u8b93\u65b0\u53f0\u5e63\u8cb6\u503c\u592a\u5feb\u3002<\/p>\n\n\n\n<p>\u53f0\u7063\u592e\u884c\u8fd1\u671f\u5247\u8ddf\u9032\u7f8e\u570b\u5347\u606f\u8173\u6b65\uff0c\u65bc 12 \u6708 15 \u65e5\u5ba3\u5e03\u5347\u606f\u534a\u78bc\uff080.125 %\uff09\uff0c\u8b93\u91cd\u8cbc\u73fe\u7387\u4f86\u5230 1.75%\uff0c\u5275 2015 \u5e74 12 \u6708\u4ee5\u4f86\u65b0\u9ad8\uff0c\u4e5f\u662f 2022 \u5e74\u4ee5\u4f86\u300c\u9023\u56db\u5347\u300d\uff08 3 \u6708\u5347 1 \u78bc\u30016 \u6708\u5347\u534a\u78bc\u30019 \u6708\u5347\u534a\u78bc\u300112 \u6708\u5347\u534a\u78bc\uff09\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-background has-palette-color-5-background-color has-palette-color-5-color is-style-dots\"\/>\n\n\n\n<h2 id=\"rtoc-5\"  class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%8D%87%E6%81%AF%E5%A5%BD%E8%99%95%E8%88%87%E5%A3%9E%E8%99%95%E6%9C%89%E5%93%AA%E4%BA%9B%EF%BC%9F\"><\/span><strong><strong><strong>\u5347\u606f\u597d\u8655\u8207\u58de\u8655\u6709\u54ea\u4e9b\uff1f<\/strong><\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong><span style=\"color:#e69138\" class=\"has-inline-color\">\u8abf\u5347\u570b\u5bb6\u57fa\u6e96\u5229\u7387\uff0c\u6709\u52a9\u5438\u5f15\u5916\u570b\u8cc7\u91d1\u5165\u6ce8<\/span><\/strong>\u3002\u4ee5\u53f0\u7063\u70ba\u4f8b\uff0c\u5347\u606f\u6703\u8b93\u65b0\u53f0\u5e63\u5347\u503c\uff0c\u5c0d\u9032\u53e3\u5546\u800c\u8a00\u662f\u597d\u4e8b\uff0c\u56e0\u70ba\u65b0\u53f0\u5e63\u5347\u503c\uff0c\u4ee3\u8868\u53ef\u4ee5\u7528\u4e00\u6a23\u6578\u91cf\u7684\u65b0\u53f0\u5e63\u63db\u5230\u66f4\u591a\u5916\u532f\uff1b\u4f46\u5347\u606f\u4e0d\u5229\u51fa\u53e3\u5546\uff0c\u56e0\u70ba\u4f01\u696d\u5f9e\u5916\u532f\u63db\u56de\u65b0\u53f0\u5e63\u7684\u50f9\u503c\u6703\u8b8a\u5c11\u3002<\/p>\n\n\n\n<p>\u5c0d\u4e00\u822c\u6c11\u773e\u800c\u8a00\uff0c<strong>\u592e\u884c\u8abf\u6574\u57fa\u6e96\u5229\u7387\uff0c\u5f71\u97ff\u6700\u5927\u7684\u5c31\u662f\u5b58\u6b3e\u8207\u8cb8\u6b3e<\/strong>\u3002\u56e0\u70ba\u5546\u696d\u9280\u884c\u5411\u6c11\u773e\u63d0\u4f9b\u7684\u5b58\u6b3e\u8207\u8cb8\u6b3e\u5229\u7387\uff0c\u90fd\u662f\u4ee5\u570b\u5bb6\u57fa\u6e96\u5229\u7387\u70ba\u6a19\u6e96\u5f80\u4e0a\u52a0\uff0c\u56e0\u6b64\u7576\u592e\u884c\u5ba3\u5e03\u5347\u606f\u4e4b\u5f8c\uff0c\u5b58\u6b3e\u5229\u7387\u8207\u8cb8\u6b3e\u5229\u7387\u90fd\u6703\u8ddf\u8457\u63d0\u5347\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-background has-palette-color-5-background-color has-palette-color-5-color is-style-dots\"\/>\n\n\n\n<h2 id=\"rtoc-6\"  class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%8D%87%E6%81%AF%E5%B0%8D%E5%AE%9A%E5%AD%98%E7%9A%84%E5%BD%B1%E9%9F%BF\"><\/span><strong><strong>\u5347\u606f\u5c0d\u5b9a\u5b58\u7684\u5f71\u97ff<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 id=\"rtoc-7\"  class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%AE%9A%E5%AD%98%E5%88%A9%E7%8E%87%E5%A2%9E%E5%8A%A0\"><\/span><strong><strong>\u5b9a\u5b58\u5229\u7387\u589e\u52a0<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5347\u606f\u5c0d\u4e00\u822c\u793e\u6703\u5927\u773e\u6700\u76f4\u89ba\u7684\u597d\u8655\u662f\u5b9a\u5b58\u5229\u7387\u589e\u52a0\uff0c\u56e0\u70ba\u5b9a\u5b58\u5229\u606f\u589e\u52a0\uff0c\u76f8\u540c\u7684\u9322\u5b58\u653e\u5728\u9280\u884c\u5167\uff0c\u53ef\u4ee5\u7372\u5f97\u66f4\u591a\u5229\u606f\uff0c\u56e0\u6b64\u4eba\u5011\u6703\u66f4\u9858\u610f\u628a\u9322\u5b58\u9032\u9280\u884c\u3002\u4e0d\u904e\u8981\u6ce8\u610f\uff0c\u5229\u606f\u8b8a\u52d5\u53ea\u5c0d\u300c\u6a5f\u52d5\u5229\u7387\u300d\u7684\u5b9a\u5b58\u6709\u5229\uff0c\u5982\u679c\u662f\u300c\u56fa\u5b9a\u5229\u7387\u300d\u7684\u5b9a\u5b58\uff0c\u5247\u4e0d\u53d7\u5347\u606f\u5f71\u97ff\u3002<\/p>\n\n\n\n<h3 id=\"rtoc-8\"  class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%8D%87%E6%81%AF%E5%AD%98%E6%AC%BE%E8%A9%A6%E7%AE%97\"><\/span><strong>\u5347\u606f\u5b58\u6b3e\u8a66\u7b97<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u6211\u570b\u90f5\u5c40 2022 \u5e74 9 \u6708 27 \u65e5\u5ba3\u5e03\u5347\u606f\u534a\u78bc\uff080.125 %\uff09\uff0c\u4f7f 1 \u5e74\u671f\u5b9a\u5132\u6a5f\u52d5\u5229\u7387\u7531 1.185% \u4e0a\u8abf\u81f3 1.31%\uff0c\u7b49\u65bc\u5b58 100 \u842c\u5143\uff0c1 \u5e74\u5229\u606f\u6703\u5f9e 11,850\uff0c\u589e\u52a0\u5230 13,100 \u5143\u3002<\/p>\n\n\n\n<p><strong>\u5ef6\u4f38\u95b1\u8b80 \u21e8 <\/strong><a href=\"https:\/\/blog.moneybook.com.tw\/?p=2663\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>2022\u5168\u53f0\u9280\u884c\u6578\u4f4d\u5e33\u6236\u9ad8\u5229\u6d3b\u5b58\u5229\u7387\u6bd4\u8f03\uff0c\u9ad8(\u512a)\u5229\u6d3b\u5b58\u3001\u5b9a\u5b58\u5dee\u5225\u8207\u5229\u606f\u8a08\u7b97<\/strong><\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-background has-palette-color-5-background-color has-palette-color-5-color is-style-dots\"\/>\n\n\n\n<h2 id=\"rtoc-9\"  class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%8D%87%E6%81%AF%E5%B0%8D%E6%88%BF%E8%B2%B8%E7%9A%84%E5%BD%B1%E9%9F%BF\"><\/span><strong><strong>\u5347\u606f\u5c0d\u623f\u8cb8\u7684\u5f71\u97ff<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 id=\"rtoc-10\"  class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%B2%B8%E6%AC%BE%E5%88%A9%E7%8E%87%E5%A2%9E%E5%8A%A0\"><\/span><strong><strong>\u8cb8\u6b3e\u5229\u7387\u589e\u52a0<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u540c\u6a23\u662f\u5229\u606f\u63d0\u5347\uff0c\u5c0d\u4e00\u822c\u793e\u6703\u5927\u773e\u4f86\u8aaa\uff0c\u6700\u6709\u611f\u7684\u58de\u8655\u5c31\u662f<strong>\u8cb8\u6b3e\u5229\u7387\u589e\u52a0<\/strong>\uff0c\u9019\u6642\u6709\u5411\u9280\u884c\u7533\u8fa6\u623f\u5c4b\u8cb8\u6b3e\u3001\u6c7d\u8eca\u8cb8\u6b3e\u3001\u4fe1\u7528\u8cb8\u6b3e\u7684\u6c11\u773e\uff0c\u9700\u8981\u4ed8\u7d66\u9280\u884c\u7684\u5229\u606f\u4e5f\u6703\u8ddf\u8457\u589e\u52a0\u3002<\/p>\n\n\n\n<h3 id=\"rtoc-11\"  class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%8D%87%E6%81%AF%E6%88%BF%E8%B2%B8%E8%A9%A6%E7%AE%97\"><\/span><strong><strong>\u5347\u606f\u623f\u8cb8\u8a66\u7b97<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u4ee5 30 \u5e74\u671f\u623f\u8cb8\u91d1\u984d 1,000 \u842c\u3001\u623f\u8cb8\u5229\u7387 1.375%\u8a08\u7b97\uff0c\u672c\u606f\u5747\u6524\u4e00\u500b\u6708\u623f\u8cb8\u539f\u672c\u8981\u7e73 33,915 \u5143\uff1b\u7d93\u904e\u9023\u7e8c\u56db\u6b21\u5347\u606f\uff0c\u623f\u8cb8\u5229\u7387\u4f86\u5230 2%\uff0c\u9019\u6642\u623f\u8cb8\u6703\u589e\u52a0\u5230 36,962\uff0c\u6bcf\u6708\u8981\u591a\u7e73 3,047 \u5143\uff0c\u4e00\u5e74\u7b97\u4e0b\u4f86\u8981\u591a\u7e73 36,564 \u5143\uff0c\u5e7e\u4e4e\u7b49\u65bc\u591a\u7e73\u4e00\u500b\u6708\u623f\u8cb8\u3002<\/p>\n\n\n\n<p><strong>\u5ef6\u4f38\u95b1\u8b80 \u21e8 <\/strong><a href=\"https:\/\/blog.moneybook.com.tw\/?p=2069\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>2022\u6c7d\u8eca\u8cb8\u6b3e\u7533\u8acb\u597d\u904e\u55ce\uff1f\u65b0\u8eca\u3001\u4e2d\u53e4\/\u4e8c\u624b\u8eca\u8cb8\u6b3e\u5229\u7387\u8a66\u7b97\u3001\u5be9\u6838\u689d\u4ef6\u8207\u6d41\u7a0b<\/strong><\/a><\/p>\n\n\n\n<p><strong>\u5ef6\u4f38\u95b1\u8b80 \u21e8 <\/strong><a href=\"https:\/\/blog.moneybook.com.tw\/?p=2868\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u500b\u4eba\u4fe1\u7528\u8cb8\u6b3e\u662f\u4ec0\u9ebc\uff1f\u4fe1\u8cb8\u91d1\u984d\u8a66\u7b97\u3001\u8fa6\u7406\u689d\u4ef6\u8207\u500b\u4eba\u4fe1\u8cb8\u9677\u9631\u6574\u7406<\/strong><\/a><\/p>\n\n\n\n<h3 id=\"rtoc-12\"  class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%A6%82%E6%9E%9C%E4%BD%A0%E6%BA%96%E5%82%99%E8%B2%B7%E6%88%BF%EF%BC%9A%E8%A8%98%E5%BE%97%E5%A4%9A%E7%95%99%E4%B8%80%E7%AD%86%E8%B3%BC%E5%B1%8B%E6%BA%96%E5%82%99%E9%87%91\"><\/span><strong>\u5982\u679c\u4f60\u6e96\u5099\u8cb7\u623f\uff1a\u8a18\u5f97\u591a\u7559\u4e00\u7b46\u8cfc\u5c4b\u6e96\u5099\u91d1<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u56e0\u70ba\u5229\u606f\u63d0\u5347\uff0c\u6709\u8cfc\u5c4b\u8a08\u5283\u7684\u6c11\u773e\u4e5f\u9808\u63d0\u9ad8\u8cfc\u5c4b\u6e96\u5099\u91d1\uff0c\u77ed\u671f\u4f86\u8aaa\u53ef\u80fd\u6703\u8b93\u6e1b\u7de9\u623f\u5730\u7522\u71b1\u5ea6\u3002\u4e0d\u904e\u5347\u606f\u4e5f\u4e0d\u4e00\u5b9a\u80fd\u6291\u5236\u623f\u50f9\uff0c\u9664\u975e\u592e\u884c\u9023\u7e8c\u5347\u606f\uff0c\u624d\u53ef\u80fd\u6709\u660e\u986f\u4e14\u7acb\u5373\u6027\u7684\u623f\u5e02\u885d\u64ca\u3002<\/p>\n\n\n\n<p><strong>\u5ef6\u4f38\u95b1\u8b80 \u21e8 <\/strong><a href=\"https:\/\/blog.moneybook.com.tw\/?p=1965\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u623f\u5c4b\u8cb8\u6b3e\u982d\u671f\u6b3e\u8a66\u7b97\uff0c\u8cb71000\u842c\u623f\u5b50\u982d\u671f\u6b3e\u8981\u591a\u5c11\u8207\u4e0d\u5920\u600e\u9ebc\u8fa6\uff1f\u623f\u8cb8\u7533\u8fa6\u6559\u5b78<\/strong><\/a><\/p>\n\n\n\n<pre class=\"wp-block-verse\"><strong>\u9ebb\u5e03\u8a18\u5e33 2022 \u5e74\u8d77\u8207\u4e2d\u570b\u4fe1\u8a17\u3001\u738b\u9053\u9280\u884c\u3001\u6c38\u8c50\u9280\u884c\u5408\u4f5c\uff0c\u63a8\u51fa\u500b\u4eba\u5316\u8cb8\u6b3e\u8a66\u7b97\u670d\u52d9\uff0c\u8b93\u60a8\u7dda\u4e0a\u8a66\u7b97\u6700\u9069\u5408\u7684\u4fe1\u8cb8\u65b9\u6848\uff0c\u4e0d\u7528\u4e00\u5bb6\u4e00\u5bb6\u53cd\u8986\u6bd4\u8f03\uff0c\u5c31\u53ef\u4ee5\u627e\u51fa\u6700\u9069\u5408\u81ea\u5df1\u8ca1\u52d9\u72c0\u6cc1\u7684\u4fe1\u8cb8\u65b9\u6848\uff0c\u8f15\u9b06\u638c\u63e1\u4eba\u751f\uff01<\/strong><\/pre>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/moneybook.page.link\/blogDL\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1080\" height=\"1920\" src=\"https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/08\/feature\u4fe1\u7528\u8cb8\u6b3e\u627e\u5230\u5c08\u5c6c\u65b9\u6848_\u5de5\u4f5c\u5340\u57df-28.png?resize=1080%2C1920&#038;ssl=1\" alt=\"\u4fe1\u7528\u8cb8\u6b3e\u984d\u5ea6\u8a66\u7b97\" class=\"wp-image-2873\" srcset=\"https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/08\/feature\u4fe1\u7528\u8cb8\u6b3e\u627e\u5230\u5c08\u5c6c\u65b9\u6848_\u5de5\u4f5c\u5340\u57df-28.png?w=1080&amp;ssl=1 1080w, https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/08\/feature\u4fe1\u7528\u8cb8\u6b3e\u627e\u5230\u5c08\u5c6c\u65b9\u6848_\u5de5\u4f5c\u5340\u57df-28.png?resize=169%2C300&amp;ssl=1 169w, https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/08\/feature\u4fe1\u7528\u8cb8\u6b3e\u627e\u5230\u5c08\u5c6c\u65b9\u6848_\u5de5\u4f5c\u5340\u57df-28.png?resize=576%2C1024&amp;ssl=1 576w, https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/08\/feature\u4fe1\u7528\u8cb8\u6b3e\u627e\u5230\u5c08\u5c6c\u65b9\u6848_\u5de5\u4f5c\u5340\u57df-28.png?resize=768%2C1365&amp;ssl=1 768w, https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/08\/feature\u4fe1\u7528\u8cb8\u6b3e\u627e\u5230\u5c08\u5c6c\u65b9\u6848_\u5de5\u4f5c\u5340\u57df-28.png?resize=864%2C1536&amp;ssl=1 864w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/a><\/figure>\n\n\n\n<pre class=\"wp-block-verse has-text-align-center has-medium-font-size\"><strong>\u7528\u9ebb\u5e03\u5c0b\u627e\u6700\u9069\u5408\u81ea\u5df1\u7684\u4fe1\u8cb8\u65b9\u6848<\/strong><\/pre>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100 is-style-outline\"><a class=\"wp-block-button__link\" href=\"https:\/\/moneybook.page.link\/blogDL\" style=\"border-radius:5px\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u7acb\u5373\u514d\u8cbb\u4e0b\u8f09<\/strong> <\/a><\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-background has-palette-color-5-background-color has-palette-color-5-color is-style-dots\"\/>\n\n\n\n<h2 id=\"rtoc-13\"  class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%8D%87%E6%81%AF%E5%B0%8D%E4%BF%9D%E9%9A%AA%E7%9A%84%E5%BD%B1%E9%9F%BF%EF%BC%9A%E6%9C%89%E6%A9%9F%E6%9C%83%E4%BA%AB%E5%8F%97%E5%88%A9%E5%B7%AE\"><\/span><strong><strong>\u5347\u606f\u5c0d\u4fdd\u96aa\u7684\u5f71\u97ff\uff1a\u6709\u6a5f\u6703\u4eab\u53d7\u5229\u5dee<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u592e\u884c\u5ba3\u5e03\u5347\u606f\u6642\uff0c\u90e8\u5206\u4fdd\u96aa\u516c\u53f8\u4e5f\u6703\u96a8\u4e4b\u5ba3\u544a\u8abf\u6f32\u5229\u8b8a\u578b\u4fdd\u55ae\u7684\u5229\u7387\uff0c\u9019\u6642\u4f9d\u7167\u4fdd\u55ae\u7d04\u5b9a\u6240\u8a08\u7b97\u7684\u56de\u994b\u5206\u4eab\u91d1\uff0c\u5c31\u6703\u96a8\u8457\u5229\u7387\u8abf\u6f32\u800c\u589e\u52a0\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-background has-palette-color-5-background-color has-palette-color-5-color is-style-dots\"\/>\n\n\n\n<h2 id=\"rtoc-14\"  class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%8D%87%E6%81%AF%E6%8A%95%E8%B3%87%E7%AD%96%E7%95%A5%E6%96%B9%E5%90%91%E5%A6%82%E4%BD%95%E8%AA%BF%E6%95%B4%EF%BC%9F\"><\/span><strong><strong>\u5347\u606f\u6295\u8cc7\u7b56\u7565\u65b9\u5411\u5982\u4f55\u8abf\u6574\uff1f<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5168\u7403\u901a\u81a8\u8207\u5347\u606f\u6613\u9020\u6210\u80a1\u5e02\u6ce2\u52d5\uff0c\u6295\u8cc7\u9700\u66f4\u52a0\u8b39\u614e\u5c0f\u5fc3\u3002\u5728\u9078\u64c7\u6295\u8cc7\u6a19\u7684\u7b56\u7565\u4e0a\uff0c\u5efa\u8b70\u53ef\u4ee5\u591a\u4f48\u5c40\u5177\u6709<strong><span style=\"color:#e69138\" class=\"has-inline-color\">\u9577\u671f\u767c\u5c55\u8da8\u52e2<\/span><\/strong>\u6216\u662f<strong><span style=\"color:#e69138\" class=\"has-inline-color\">\u80fd\u56e0\u901a\u81a8\u53d7\u60e0<\/span><\/strong>\u7684\u80a1\u5e02\u6a19\u7684\u3002<\/p>\n\n\n\n<h3 id=\"rtoc-15\"  class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%95%B7%E6%9C%9F%E7%99%BC%E5%B1%95%E8%B6%A8%E5%8B%A2%E6%A8%99%E7%9A%84%EF%BC%9AESG%E3%80%81AI\"><\/span><strong>\u9577\u671f\u767c\u5c55\u8da8\u52e2\u6a19\u7684\uff1aESG\u3001AI<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u8fd1\u5e74\u74b0\u5883\u6c38\u7e8c\u610f\u8b58\u62ac\u982d\uff0c\u5404\u570b\u4f01\u696d\u4e3b\u90fd\u8f03\u4ee5\u5f80\u66f4\u91cd\u8996\u8207\u793e\u6703\u6c38\u7e8c\u3001\u74b0\u5883\u4fdd\u8b77\u6709\u95dc\u7684\u8b70\u984c\uff1b\u53e6\u5916\u79d1\u6280\u76f8\u95dc\u8b70\u984c\u6709\u8a31\u591a\u4e0d\u540c\u65bc\u4ee5\u5f80\u7684\u7522\u696d\u984c\u6750\uff0c\u90fd\u662f\u5c6c\u65bc\u76ee\u524d\u8f03\u65b0\u7a4e\u7684\u6295\u8cc7\u85cd\u6d77\u3002<\/p>\n\n\n\n<h3 id=\"rtoc-16\"  class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%99%AF%E6%B0%A3%E5%BE%AA%E7%92%B0%E8%82%A1%EF%BC%9A%E5%8D%8A%E5%B0%8E%E9%AB%94%E3%80%81%E5%8E%9F%E7%89%A9%E6%96%99%E3%80%81%E8%83%BD%E6%BA%90%E8%82%A1\"><\/span><strong>\u666f\u6c23\u5faa\u74b0\u80a1\uff1a\u534a\u5c0e\u9ad4\u3001\u539f\u7269\u6599\u3001\u80fd\u6e90\u80a1<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u666f\u6c23\u5faa\u74b0\u80a1\u53c8\u88ab\u7a31\u70ba\u300c\u9031\u671f\u6027\u80a1\u7968\u300d\uff0c\u6703\u96a8\u8457\u666f\u6c23\u8d77\u4f0f\u800c\u6ce2\u52d5\uff0c\u4e14\u901a\u5e38\u8207\u5229\u7387\u5448\u73fe\u6b63\u76f8\u95dc\u3002\u4f46\u8981\u6ce8\u610f\uff0c\u666f\u6c23\u5faa\u74b0\u80a1\u6703\u56e0\u70ba\u4e0d\u540c\u7522\u696d\u7279\u6027\uff0c\u800c\u6709\u9577\u77ed\u4e0d\u4e00\u7684\u5faa\u74b0\u9031\u671f\uff0c\u7d93\u6fdf\u6210\u9577\u6642\u53ef\u80fd\u5927\u597d\uff0c\u7d93\u6fdf\u8870\u9000\u6642\u5247\u53ef\u80fd\u8dcc\u5230\u8c37\u5e95\uff0c\u4e14\u53ef\u80fd\u9700\u8981\u597d\u4e00\u6bb5\u6642\u9593\u624d\u80fd\u5b8c\u6210\u4e00\u6b21\u5faa\u74b0\uff0c\u56e0\u6b64\u5728\u6295\u8cc7\u7b56\u7565\u4e0a\uff0c\u5efa\u8b70\u8981\u6709\u4e00\u5b9a\u7d93\u6fdf\u8cc7\u672c\u3001\u53ef\u627f\u64d4\u98a8\u96aa\u7684\u4eba\u518d\u8003\u616e\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-background has-palette-color-5-background-color has-palette-color-5-color is-style-dots\"\/>\n\n\n\n<h2 id=\"rtoc-17\"  class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%8D%87%E6%81%AF%E7%90%86%E8%B2%A1%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C\"><\/span><strong>\u5347\u606f\u7406\u8ca1\u5e38\u898b\u554f\u984c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<pre class=\"wp-block-verse\"><strong>Q1\uff1a\u5347\u606f\u610f\u601d\u8207\u5347\u606f\u4e00\u78bc\u662f\u591a\u5c11\uff1f\n<\/strong>\n\u5347\u606f\u6307\u7684\u662f\u300c\u8abf\u5347\u57fa\u6e96\u5229\u7387\u300d\uff0c\u5347\u606f 1 \u78bc\uff0c\u7b49\u65bc\u8abf\u5347\u57fa\u6e96\u5229\u7387 0.25%\uff1b\u5347\u606f\u534a\u78bc\uff0c\u7b49\u65bc\u8abf\u5347\u57fa\u6e96\u5229\u7387 0.125%\u3002<\/pre>\n\n\n\n<pre class=\"wp-block-verse\"><strong>Q2\uff1a\u901a\u81a8\u70ba\u4ec0\u9ebc\u8981\u5347\u606f\uff1f\n<\/strong>\n\u5347\u606f\u5e38\u767c\u751f\u5728\u5e02\u5834\u8ca8\u5e63\u6d41\u901a\u6578\u91cf\u5927\u65bc\u9700\u6c42\u91cf\uff08\u901a\u8ca8\u81a8\u8139\uff09\u6642\uff0c\u5404\u570b\u592e\u884c\u6703\u7528\u5347\u606f\u6291\u5236\u6d41\u901a\u8cc7\u91d1\uff0c\u6b64\u6642\u5b58\u6b3e\u5229\u7387\u6703\u8ddf\u8457\u63d0\u9ad8\uff0c\u6c11\u773e\u6703\u66f4\u9858\u610f\u5c07\u9322\u5b58\u5728\u9280\u884c\u3002<\/pre>\n\n\n\n<pre class=\"wp-block-verse\"><strong>Q3\uff1a\u5347\u606f\u6703\u600e\u6a23\uff1f\n<\/strong>\n\u592e\u884c\u5347\u606f\u6c11\u773e\u6700\u6709\u611f\u7684\u662f\u5b58\u6b3e\u8207\u8cb8\u6b3e\uff0c\u56e0\u70ba\u592e\u884c\u5ba3\u5e03\u5347\u606f\u4e4b\u5f8c\uff0c\u5b58\u6b3e\u5229\u7387\u8207\u8cb8\u6b3e\u5229\u7387\u90fd\u6703\u8ddf\u8457\u63d0\u5347\u3002<\/pre>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-background has-palette-color-5-background-color has-palette-color-5-color is-style-dots\"\/>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/02\/\u9ebb\u5e03\u8a18\u5e33LOGO.png?resize=256%2C60\" alt=\"\u9ebb\u5e03\u8a18\u5e33LOGO\" class=\"wp-image-912\" width=\"256\" height=\"60\" srcset=\"https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/02\/\u9ebb\u5e03\u8a18\u5e33LOGO.png?resize=1024%2C239&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/02\/\u9ebb\u5e03\u8a18\u5e33LOGO.png?resize=300%2C70&amp;ssl=1 300w, https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/02\/\u9ebb\u5e03\u8a18\u5e33LOGO.png?resize=768%2C179&amp;ssl=1 768w, https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/02\/\u9ebb\u5e03\u8a18\u5e33LOGO.png?resize=1536%2C358&amp;ssl=1 1536w, https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2022\/02\/\u9ebb\u5e03\u8a18\u5e33LOGO.png?w=1920&amp;ssl=1 1920w\" sizes=\"(max-width: 256px) 100vw, 256px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-style-large is-layout-flow wp-block-quote-is-layout-flow\"><p><meta charset=\"utf-8\"><\/p><p>\ud83d\udcdd\u81ea\u52d5\u8a18\u5e33\uff5c\ud83d\udcca\u6536\u652f\u7406\u8ca1\uff5c\ud83d\udcb0\u8cc7\u7522\u6574\u5408\uff5c\ud83d\udca1\u6548\u7387\u7ba1\u5e33<\/p><\/blockquote>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2023\/02\/Blog_footer.png?resize=1024%2C577\" alt=\"\u9ebb\u5e03\u8a18\u5e33\" class=\"wp-image-5413\" srcset=\"https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2023\/02\/Blog_footer.png?resize=1024%2C577&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2023\/02\/Blog_footer.png?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2023\/02\/Blog_footer.png?resize=768%2C433&amp;ssl=1 768w, https:\/\/i0.wp.com\/blog.moneybook.com.tw\/wp-content\/uploads\/2023\/02\/Blog_footer.png?w=1280&amp;ssl=1 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<pre class=\"wp-block-verse\"><strong>\u9ebb\u5e03\u8a18\u5e33 Moneybook \u662f\u6700\u667a\u80fd\u7684\u7406\u8ca1\u8a18\u5e33 APP\uff0c\u6536\u5165\u652f\u51fa 1 \u79d2\u8a18\u5e33\uff0c\u7c21\u55ae\u6709\u6548\u7387\u6574\u5408 32 \u5bb6\u9280\u884c\u4fe1\u7528\u5361\u3001\u60a0\u904a\u5361\u3001\u96fb\u5b50\u767c\u7968\u3001\u6295\u8cc7\u8cc7\u7522\u8207\u7ba1\u7406\u9810\u7b97\uff0c\u5e6b\u52a9\u767e\u842c\u7528\u6236\u82b1\u6700\u5c11\u6642\u9593\u8a18\u5e33\uff0c\u5c31\u80fd\u6d1e\u5bdf\u6d88\u8cbb\u72c0\u6cc1\uff01\u9084\u6709\u5e33\u55ae\u7e73\u8cbb\u3001\u767c\u7968\u734e\u91d1\u5165\u5e33\u901a\u77e5\u3001\u8ca1\u52d9\u7570\u5e38\u63d0\u9192\uff0c\u8b93\u4f60\u8f15\u9b06\u7406\u8ca1\uff0c0 \u79d2\u6210\u70ba\u8ca1\u52d9\u7ba1\u7406\u5927\u5e2b\uff01<\/strong><\/pre>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100 is-style-outline\"><a class=\"wp-block-button__link\" href=\"https:\/\/moneybook.page.link\/blogDL\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u7acb\u5373\u514d\u8cbb\u4e0b\u8f09<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p class=\"has-medium-font-size\"><meta 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