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1.5x"},"classes":[]},{"id":236630,"url":"https:\/\/newsforchinese.com\/v3\/2023\/03\/13\/%e7%9f%bd%e8%b0%b7%e9%8a%80%e8%a1%8c%e4%ba%8b%e4%bb%b6%e6%9c%83%e5%bd%b1%e9%9f%bf%e6%9b%b4%e5%a4%9a%e7%9a%84%e9%8a%80%e8%a1%8c%e5%80%92%e9%96%89%e5%97%8e%ef%bc%9f\/","url_meta":{"origin":112750,"position":3},"title":"\u77fd\u8c37\u9280\u884c\u4e8b\u4ef6\u6703\u5f71\u97ff\u66f4\u591a\u7684\u9280\u884c\u5012\u9589\u55ce\uff1f","author":"Raymond","date":"March 13, 2023","format":false,"excerpt":"\u76e3\u7ba1 1980 \u5e74\u4ee3\u90e8\u5206\u9280\u884c\u696d\u5371\u6a5f\u7684 FDIC \u4e3b\u5e2d\u8868\u793a\uff0c\u201c\u6beb\u7121\u7591\u554f\u201d\uff0c\u5728\u77fd\u8c37\u9280\u884c\u7684\u5167\u7206\u4e4b\u5f8c\uff0c\u53ef\u80fd\u6709\u66f4\u591a\u7684\u9280\u884c\u5c07\u5012\u9589\u3002 William Isaac\u8868\u793a\uff0c\u6839\u64da Politico \u7684\u8aaa\u6cd5\uff0c\u77fd\u8c37\u9280\u884c\u7684\u5012\u9589\u4f3c\u4e4e\u201c\u5f88\u50cf 1980 \u5e74\u4ee3\u7684\u201d\u9280\u884c\u696d\u5371\u6a5f\u3002 \u8a31\u591a\u89c0\u5bdf\u5bb6\u4ecd\u7136\u8a8d\u70ba\uff0c\u77fd\u8c37\u9280\u884c\u7684\u5012\u9589\u4e26\u4e0d\u610f\u5473\u8457\u5176\u4ed6\u9280\u884c\u4e5f\u9762\u81e8\u5012\u9589\u7684\u98a8\u96aa\u3002 \u77fd\u8c37\u9280\u884c\u7684\u5167\u7206\u8b93\u8a31\u591a\u4eba\u611f\u5230\u9707\u9a5a\uff0c\u4f46\u4e92\u806f\u7db2\u6a21\u5728\u84ec\u52c3\u767c\u5c55\u3002\u77fd\u8c37\u9280\u884c\u65bc\u4e0a\u9031\u4e94\u88ab\u806f\u90a6\u76e3\u7ba1\u6a5f\u69cb\u95dc\u9589\uff0c\u73fe\u5728\u6b63\u53d7\u5230\u4e00\u4e9b\u4eba\u7684\u7121\u60c5\u5632\u7b11\u3002 \u77fd\u8c37\u9280\u884c\u7684\u5012\u9589\uff0c\u5c0d\u79d1\u6280\u6295\u8cc7\u8005\u4f86\u8aaa\u662f\u53ef\u6015\u7684\uff0c\u4f46\u5c0d\u65bc\u4e92\u806f\u7db2\u696d\u754c\u4f86\u8aaa\uff0c\u9019\u662f\u4e00\u500b\u5be6\u5730\u8003\u5bdf\u65e5\u5b50\u3002 \u9019\u662f\u7f8e\u570b\u6b77\u53f2\u4e0a\u7b2c\u4e8c\u5927\u9280\u884c\u5012\u9589\u4e8b\u4ef6\uff0c\u4e5f\u662f\u81ea 2008 \u5e74\u91d1\u878d\u5371\u6a5f\u4ee5\u4f86\u898f\u6a21\u6700\u5927\u7684\u4e00\u6b21\u3002 \u81ea\u5927\u856d\u689d\u4ee5\u4f86\uff0c\u9280\u884c\u6cd5\u898f\u767c\u751f\u4e86\u91cd\u5927\u8b8a\u5316\uff0c\u70ba\u6d88\u8cbb\u8005\u63d0\u4f9b\u4e86\u66f4\u5927\u7684\u4fdd\u8b77\u3002 \u5373\u4f7f\u5728\u7d93\u6fdf\u8870\u9000\u671f\u9593\uff0c\u60a8\u4e5f\u53ef\u4ee5\u5728\u500b\u4eba\u9280\u884c\u8cec\u6236\u4e2d\u4fdd\u7559\u9ad8\u9054 250,000 \u7f8e\u5143\uff0c\u4e26\u4e14\u5b83\u6703\u53d7\u5230 FDIC \u4fdd\u96aa\u7684\u4fdd\u8b77\u3002 \u9019\u901a\u5e38\u53ef\u4ee5\u9632\u6b62\u9280\u884c\u64e0\u514c\uff0c\u4eba\u5011\u64d4\u5fc3\u81ea\u5df1\u7684\u9322\u6d88\u5931\uff0c\u8a66\u5716\u63d0\u53d6\u6240\u6709\u73fe\u91d1\u3002 \u4f46\u77fd\u8c37\u9280\u884c\u7684\u60c5\u6cc1\u537b\u5927\u4e0d\u76f8\u540c\u3002 \u77fd\u8c37\u9280\u884c\u7684\u8a31\u591a\u5ba2\u6236\u90fd\u662f\u521d\u5275\u516c\u53f8\u3001\u98a8\u96aa\u6295\u8cc7\u516c\u53f8\u548c\u6280\u8853\u5275\u59cb\u4eba\uff0c\u4ed6\u5011\u7684\u8cec\u6236\u4e2d\u53ef\u80fd\u6301\u6709\u8d85\u904e 250,000 \u7f8e\u5143\uff0c\u56e0\u6b64 FDIC \u4fdd\u96aa\u4e0d\u8db3\u4ee5\u5e73\u606f\u6050\u614c\u3002\u77fd\u8c37\u9280\u884c\u7684\u5d29\u6f70\u7d66\u79d1\u6280\u884c\u696d\u5e36\u4f86\u4e86\u885d\u64ca\u6ce2\uff0c\u8b93\u521d\u5275\u516c\u53f8\u7684\u5275\u59cb\u4eba\u722d\u5148\u6050\u5f8c\u5730\u5c0b\u627e\u7dca\u6025\u8cb8\u6b3e\u3002 \u806f\u90a6\u5b58\u6b3e\u4fdd\u96aa\u516c\u53f8\u524d\u4e3b\u5e2d\u5a01\u5ec9\u00b7\u827e\u85a9\u514b\u8868\u793a:\u201c\u6211\u6beb\u4e0d\u61f7\u7591\uff1a\u9084\u6703\u6709\u66f4\u591a\u3002\u9084\u6709\u591a\u5c11\uff1f\u6211\u4e0d\u77e5\u9053\u201d\u3002\u201c\u5728\u6211\u770b\u4f86\uff0c\u9019\u5f88\u50cf 1980 \u5e74\u4ee3\uff0c\u201d\u827e\u85a9\u514b\u88dc\u5145\u9053\u3002 \u827e\u85a9\u514b\u65bc 1981 \u5e74 8 \u6708\u81f3 1985 \u5e74 10 \u6708\u64d4\u4efb\u806f\u90a6\u5b58\u6b3e\u4fdd\u96aa\u516c\u53f8\u4e3b\u5e2d\u3002\u5728\u827e\u85a9\u514b\u4efb\u8077\u671f\u9593\uff0c\u4ed6\u4e0d\u5f97\u4e0d\u61c9\u5c0d 1980 \u5e74\u4ee3\u9280\u884c\u696d\u5371\u6a5f\u7684\u5f71\u97ff\u3002 \u64da\u8a72\u6a5f\u69cb\u7a31\uff0c\u5728 1980 \u5e74\u81f3 1994 \u5e74\u9593\uff0c\u8d85\u904e 1,600\u2026","rel":"","context":"In &quot;Business&quot;","block_context":{"text":"Business","link":"https:\/\/newsforchinese.com\/v3\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/03\/svb.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/03\/svb.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/03\/svb.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":175439,"url":"https:\/\/newsforchinese.com\/v3\/2019\/09\/15\/%e7%be%8e%e5%9c%8b%e4%ba%ba%e9%80%80%e4%bc%91%e7%b8%bd%e8%b3%87%e7%94%a229-1%e8%90%ac%e5%84%84%e7%be%8e%e5%85%83\/","url_meta":{"origin":112750,"position":4},"title":"\u7f8e\u570b\u4eba\u9000\u4f11\u7e3d\u8cc7\u752229.1\u842c\u5104\u7f8e\u5143","author":"Raymond","date":"September 15, 2019","format":false,"excerpt":"\u9000\u4f11\u5f8c\u5982\u4f55\u4fdd\u6301\u7a69\u5b9a\u7684\u751f\u6d3b\u8cea\u91cf\u662f\u8a31\u591a\u9032\u5165\u8001\u9f61\u793e\u6703\u7684\u570b\u5bb6\u5171\u540c\u9762\u5c0d\u7684\u554f\u984c\uff0c\u7f8e\u570b\u4e5f\u4e0d\u4f8b\u5916\u3002\u64da\u6295\u8cc7\u516c\u53f8\u5354\u6703\u7d71\u8a08\uff0c\u622a\u81f32019\u5e743\u6708\uff0c\u7f8e\u570b\u4eba\u7684\u9000\u4f11\u8cc7\u7522\u7e3d\u984d\u70ba29.1\u842c\u5104\u7f8e\u5143\uff0c\u4f54\u5bb6\u5ead\u7e3d\u8ca1\u7522\u7684\u4e09\u5206\u4e4b\u4e00\uff1b\u4ee5\u73fe\u6709\u4eba\u53e33.29\u5104\u8a08\u7b97\uff0c\u5e73\u5747\u6bcf\u4eba\u64c1\u6709\u9000\u4f11\u8cc7\u75228.8\u842c\u7f8e\u5143\u3002 \u7f8e\u570b\u76ee\u524d\u5be6\u884c\u7684\u662f\u4e09\u7ba1\u9f4a\u4e0b\u7684\u9000\u4f11\u91d1\u4fdd\u969c\u9ad4\u7cfb\uff1a\u4e00\u662f\u806f\u90a6\u653f\u5e9c\u63d0\u4f9b\u7684\u793e\u5b89\u4fdd\u969c\u91d1\uff08Social Security Benefit\uff09\u3001\u4e8c\u662f\u653f\u5e9c\u3001\u516c\u53f8\u5411\u5176\u50f1\u54e1\u63d0\u4f9b\u7684\u990a\u8001\u91d1\uff08Pension\uff09\u3001\u4e09\u662f\u50f1\u54e1\u500b\u4eba\u81ea\u5df1\u5b58\u4e0b\u7684\u9000\u4f11\u91d1\uff0c\u5305\u62ec\u5b9a\u984d\u4f9b\u6b3e\u8a08\u5283\uff08Defined contribution plan\uff0c\u5373401K\u3001403K\u7b49\uff09\u3001\u500b\u4eba\u9000\u4f11\u8cec\u6236\uff08IRA\uff09\u7b49\u3002\u6240\u4ee5\uff0c\u5728\u9000\u4f11\u8ca1\u52d9\u7684\u5b89\u6392\u4e0a\uff0c\u53ef\u4ee5\u8aaa\u662f\u653f\u5e9c\u3001\u96c7\u4e3b\u3001\u50f1\u54e1\u4e09\u8005\u5404\u51fa\u5176\u529b\u3002 \u6295\u8cc7\u516c\u53f8\u5354\u6703\uff08Investment Company Institute\uff09\u662f\u6295\u8cc7\u516c\u53f8\u3001\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u4ee5\u53ca\u6295\u8cc7\u9867\u554f\u7b49\u7684\u884c\u696d\u7d44\u7e54\uff0c\u5438\u5f15\u5927\u91cf\u990a\u8001\u91d1\u7ba1\u7406\u516c\u53f8\u53c3\u52a0\uff0c\u8a72\u5354\u6703\u767c\u5e03\u7684\u5404\u9805\u6295\u8cc7\u7ba1\u7406\u65b9\u9762\u7684\u7d71\u8a08\u6578\u64da\u5ee3\u53d7\u95dc\u6ce8\u3002\u5f9e\u6295\u8cc7\u516c\u53f8\u5354\u67032019\u5e746\u670819\u65e5\u516c\u4f48\u7684\u6709\u95dc\u7f8e\u570b\u4eba\u9000\u4f11\u91d1\u7e3d\u8cc7\u7522\u5831\u544a\u986f\u793a\u7684\u6578\u64da\u770b\uff0c\u572829.1\u842c\u5104\u7f8e\u5143\u7684\u9000\u4f11\u7e3d\u8cc7\u7522\u4e2d\uff0c\u500b\u4eba\u9000\u4f11\u8cec\u6236\u70ba9.4\u842c\u5104\u3001\u5b9a\u984d\u4f9b\u6b3e\u8a08\u5283\u70ba8.15\u842c\u5104\u7f8e\u5143\u3001\u96c7\u4e3b\u990a\u8001\u91d1\u70ba9.4\u842c\u5104\u7f8e\u5143\uff0c\u5e74\u91d1\uff08Annuity Reserves\uff09\u70ba2.1\u842c\u5104\u7f8e\u5143\u3002 \u500b\u4eba\u9000\u4f11\u8cec\u6236\u662f\u50f1\u54e1\u81ea\u5df1\u5728\u9280\u884c\u6216\u6295\u8cc7\u516c\u53f8\u958b\u8a2d\u7684\u9000\u4f11\u8cec\u6236\uff0c\u5176\u904b\u4f5c\u5b8c\u5168\u7531\u50f1\u54e1\u500b\u4eba\u81ea\u5df1\u63a7\u5236\u3002\u6839\u64da\u898f\u5b9a\uff0c\u6bcf\u5e74\u50f1\u54e1\u53ef\u4ee5\u5728\u9000\u4f11\u8cec\u6236\u4e2d\u5b58\u5165\u4e00\u5b9a\u7684\u9322\uff0c\u9019\u4e9b\u5b58\u5165\u7684\u9322\u4e0d\u5fc5\u7e73\u7d0d\u7576\u5e74\u7684\u6240\u5f97\u7a05\uff0c\u901a\u904e\u7a05\u6cd5\u7684\u512a\u60e0\uff0c\u9f13\u52f5\u50f1\u54e1\u5c07\u9322\u5b58\u5230\u9000\u4f11\u8cec\u6236\u4e2d\u4ee5\u70ba\u5c07\u4f86\u4e4b\u9700\u3002\u6839\u64da\u898f\u5b9a\uff0c2019\u5e74\u500b\u4eba\u9000\u4f11\u8cec\u6236\u53ef\u4ee5\u5b58\u5165\u7684\u514d\u7a05\u7684\u9322\u70ba6000\u7f8e\u5143\uff0c\u8d85\u904e50\u6b72\u7684\u70ba7000\u7f8e\u5143\u3002 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