{"id":133699,"date":"2017-02-27T06:07:51","date_gmt":"2017-02-27T14:07:51","guid":{"rendered":"http:\/\/old.newsforchinese.com\/v3\/?p=133699"},"modified":"2017-02-27T22:27:44","modified_gmt":"2017-02-28T06:27:44","slug":"%e4%b8%89%e5%8d%81%e4%ba%94%e5%85%83%e7%9a%84%e9%80%8f%e6%94%af%e7%94%9f%e6%84%8f","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2017\/02\/27\/%e4%b8%89%e5%8d%81%e4%ba%94%e5%85%83%e7%9a%84%e9%80%8f%e6%94%af%e7%94%9f%e6%84%8f\/","title":{"rendered":"\u4e09\u5341\u4e94\u5143\u7684\u900f\u652f\u751f\u610f"},"content":{"rendered":"<p>\u7121\u8ad6\u5b78\u8853\u6216\u8f3f\u8ad6\uff0c\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3(Pew Research Center)\u6240\u767c\u8868\u7684\u5831\u544a\u6216\u7814\u7a76\u4e00\u76f4\u5ee3\u88ab\u5927\u5bb6\u63a1\u7528\uff0c<!--more-->\u5176\u516c\u4fe1\u529b\u6709\u6642\u662f\u5f88\u591a\u653f\u5e9c\u6a5f\u95dc\u6240\u4e0d\u53ca\u7684\u3002\u5176\u521d\u662f1990\u5e74\u7531Times Mirror\u5831\u696d\u516c\u53f8\u5275\u7acb\u7684Times Mirror Center for the People &amp; the Press\uff0c\u4e3b\u8981\u505a\u653f\u6cbb\u6216\u91cd\u5927\u653f\u7b56\u8b70\u984c\u7684\u6c11\u8abf\u5de5\u4f5c\u3002\u52301996\u5e74\uff0c\u76ae\u5c24\u6148\u5584\u4fe1\u8a17\u57fa\u91d1(Pew Charitable Trusts)\u6210\u70ba\u9019\u6a5f\u69cb\u7684\u4e3b\u8981\u8cc7\u52a9\u65b9\uff0c\u4fbf\u6539\u540d\u70ba\u300c\u7d66\u4eba\u6c11\u8207\u5a92\u9ad4\u7684\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3\u300d(Pew Research Center for the People &amp; the Press)\u30022004\u5e74\uff0c\u76ae\u5c24\u6148\u5584\u57fa\u91d1\u66f4\u5c07\u6b64\u6a5f\u69cb\u7c21\u7a31\u70ba\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3\uff0c\u7e3d\u90e8\u8a2d\u65bc\u83ef\u5e9c\uff0c\u5c08\u505a\u4e2d\u7acb\u3001\u7368\u7acb\u3001\u7121\u50be\u5411\u6027(non-advocacy)\u7684\u7814\u7a76\uff0c\u8fc4\u4eca\u5df2\u6210\u4eab\u8b7d\u5168\u7403\u7684\u8cc7\u6599\u5f15\u7528\u4f86\u6e90\u6a5f\u69cb\u4e4b\u4e00\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u800c\u5176\u80cc\u5f8c\u7684\u9760\u5c71\uff0c1948\u5e74\u7531Sun Oil Company\u5275\u8fa6\u4ebaJoseph Newton Pew\u53ca\u5176\u592b\u4ebaMary Anderson Pew\u7684\u5b50\u5973\u6240\u5275\u8fa6\u7684\u76ae\u5c24\u6148\u5584\u4fe1\u8a17\u57fa\u91d1\uff0c\u79c9\u6301\u5176\u4f7f\u547d\u4e4b\u4e00\u7684\u544a\u8a34\u5927\u773e\u6709\u7528\u8cc7\u6599\u4ee5\u6539\u8b8a\u4e16\u754c\uff0c\u65bc\u53bb\u5e74\u5341\u4e8c\u6708\u767c\u8868\u4e00\u4efd\u5831\u544a\u8aaa\uff0c\u8a31\u591a\u4eba\uff0c\u5c24\u5176\u662f\u7d93\u6fdf\u5f31\u52e2\u8005\uff0c\u4e00\u76f4\u5728\u88ab\u7f8e\u570b\u9280\u884c\u6536\u53d6\u4e0d\u5408\u7406\u7684\u900f\u652f\u8cbb\uff0c\u547c\u7c72\u300a\u4fdd\u8b77\u6d88\u8cbb\u8005\u514d\u53d7\u904e\u9ad8\u900f\u652f\u6210\u672c\u300b( <\/span><i><span style=\"font-weight: 400;\">Consumers Need Protection From Excessive Overdraft Costs<\/span><\/i><span style=\"font-weight: 400;\">)\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u6a19\u984c\u8207\u547c\u7c72\u76f8\u540c\u7684\u5831\u544a\u6307\u51fa\uff0c\u5728\u904e\u53bb\u4e09\u5341\u5e74\u9593\uff0c\u9280\u884c\u7684\u5229\u6f64\u4f86\u6e90\u5df2\u5f9e\u5229\u606f\u6536\u5165\u8f49\u6210\u670d\u52d9\u8cbb\u7528\uff0c\u5305\u62ec\u5e33\u6236\u900f\u652f\u8cbb\u3002\u7576\u5ba2\u6236\u7528\u7c3d\u5e33\u5361(debit card)\u3001\u81ea\u52d5\u5316\u7968\u64da\u4ea4\u63db\u6240(automated clearinghouse, ACH)\u3001ATM\u3001\u652f\u7968\u8207\u5176\u5b83\u4ea4\u6613\u6642\uff0c\u4e00\u65e6\u8d85\u904e\u5e33\u6236\u9918\u984d\u4fbf\u6703\u7522\u751f\u9280\u884c\u6536\u53d6\u7684\u900f\u652f\u670d\u52d9\u8cbb\uff0c\u901a\u5e38\u662f$35\uff0c\u4f46\u4e00\u822c\u4e0d\u6703\u99ac\u4e0a\u77e5\u9053\uff0c\u800c\u662f\u7b49\u5230\u9280\u884c\u5e33\u55ae\u4f86\u6642\u624d\u767c\u73fe\uff0c\u6240\u4ee5\u5831\u544a\u8aaa\u4e09\u5206\u4e4b\u4e8c\u4ee5\u4e0a\u900f\u652f\u8005\uff0c\u5be7\u53ef\u6e1b\u5c11\u4ea4\u6613\u4e5f\u4e0d\u8981\u4eab\u53d7$35\u7684\u670d\u52d9\u3002\u7167\u7406\u8aaa\uff0c\u9280\u884c\u65b9\u4fbf\u5ba2\u6236\u82b1\u9322\uff0c\u6536\u53d6\u4e9b\u8a31\u670d\u52d9\u8cbb\u4e26\u4e0d\u70ba\u904e\uff0c\u4f46\u5831\u544a\u8a8d\u70ba\u4e00\u4f86\u9019$35\u592a\u9ad8\uff0c\u4e8c\u4f86\u9280\u884c\u9084\u900f\u904e\u92b7\u5e33\u6280\u5de7\u4f86\u523b\u610f\u7522\u751f\u9019\u7b46\u8cbb\u7528\uff0c\u8b93\u8a72\u7d44\u7e54\u547c\u7c72\u7acb\u6cd5\u6a5f\u95dc\u8a2d\u5b9a\u5408\u7406\u7684\u900f\u652f\u8cbb\u4e0a\u9650\uff0c\u4e26\u8981\u6c42\u9280\u884c\u4e0d\u518d\u6295\u6a5f\u53d6\u5de7\u5730\u8cfa\u9019\u7b46\u9322\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u76ae\u5c24\u5206\u6790\u5168\u7f8e\u6700\u5927\u4e94\u5341\u5bb6\u9280\u884c\u4e2d\uff0c\u5831\u7d66\u806f\u90a6\u5b58\u6b3e\u4fdd\u96aa\u516c\u53f8(FDIC)\u8cbb\u7528\u8aaa\u660e\u3001\u5e33\u6236\u5354\u8b70\u7b49\u8cc7\u6599\u768444\u5bb6\uff0c\u767c\u73fe\u670928\u5bb6\u6536\u53d6$35\u6216\u66f4\u591a\u7684\u900f\u652f\u8cbb\uff0c\u670918\u5bb6\u7684\u92b7\u5e33\u65b9\u5f0f\u662f\u6309\u91d1\u984d\u5927\u5c0f\u6392\u5e8f\u4e0b\u4f86\uff0c\u800c\u4e0d\u662f\u6309\u767c\u751f\u6642\u9593\u5148\u5f8c\uff0c\u9019\u6a23\u7684\u8655\u7406\u65b9\u5f0f\u53ef\u5feb\u901f\u6d88\u5316\u5e33\u6236\u9918\u984d\uff0c\u4e5f\u5c31\u5bb9\u6613\u7522\u751f\u900f\u652f\u8cbb\uff0c\u56e0\u70ba\u900f\u652f\u8cbb\u662f\u56fa\u5b9a\u7684\uff0c\u5373\u4f7f\u900f\u652f\u4e00\u5206\u9322\u4e5f\u6703\u7522\u751f$35\u7684\u9280\u884c\u670d\u52d9\u8cbb\uff0c\u5229\u6f64\u7a7a\u9593\u5f88\u5927\u3002\u591a\u6578\u9280\u884c\u662f\u6bcf\u500b\u5de5\u4f5c\u65e5\u7d50\u7b97\u5ba2\u6236\u7684\u4e00\u5929\u4ea4\u6613\uff0c\u4f46\u50cf\u652f\u7968\u6216\u7db2\u8def\u4ea4\u6613\u7b49\u5247\u9700\u8981\u6578\u5929\u4f86\u6e05\uff0c\u56e0\u6b64\u5c31\u7522\u751f\u4ea4\u6613\u92b7\u5e33\u6392\u5e8f\u7684\u904b\u4f5c\uff0c\u4f8b\u5982\u4f60\u7684\u652f\u7968\u5e33\u6236\u9918\u984d\u70ba\u4e00\u5343\u5143\uff0c\u9031\u4e00\u52a0\u6cb9\u4ed8\u4e86\u4e00\u767e\u5143\uff0c\u9031\u4e8c\u4ed8\u8cb8\u6b3e\u4e00\u5343\u4e00\u767e\u5143\uff0c\u4f46\u5169\u7b46\u9322\u5230\u9280\u884c\u90a3\u88e1\u53ef\u80fd\u662f\u540c\u4e00\u5929\u7d50\u7b97\uff0c\u9019\u4e9b\u9280\u884c\u5c31\u6703\u5148\u7d50\u8cb8\u6b3e\u9020\u6210\u4e00\u6b21\u900f\u652f\uff0c\u7136\u5f8c\u518d\u7d50\u52a0\u6cb9\u9322\u7522\u751f\u4e8c\u6b21\u900f\u652f\u3002\u4f46\u82e5\u6309\u4ea4\u6613\u6642\u9593\u6216\u91d1\u984d\u7531\u5c0f\u81f3\u5927\u7d50\u7b97\uff0c\u5247\u53ea\u6703\u7522\u751f\u8cb8\u6b3e\u7684\u4e00\u6b21\u900f\u652f\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u76ae\u5c24\u7684\u6d88\u8cbb\u91d1\u878d\u9805\u76ee\u7814\u7a76\u4e3b\u7ba1Joy Hackenbracht\u5c0d\u6b64\u73fe\u8c61\u8aaa\uff1a\u300c\u7531\u591a\u81f3\u5c11\u7684\u4ea4\u6613\u91cd\u6392\u5e8f\u662f\u7a2e\u50b7\u5bb3\u6d88\u8cbb\u8005\u7684\u64cd\u4f5c\uff0c\u7acb\u6cd5\u6a5f\u95dc\u771f\u8a72\u7981\u6b62\u5b83\u3002\u300d\u800c\u57f7\u6b64\u64cd\u4f5c\u7684\u9280\u884c\u8aaa\u6cd5\uff0c\u6700\u5178\u578b\u4ee3\u8868\u53ef\u5c6c\u7f8e\u570b\u9280\u884c\u5bb6\u5354\u6703\u7684\u6cd5\u898f\u4e2d\u5fc3(Center for Regulatory Compliance)\u8cc7\u6df1\u526f\u7e3dVirginia O\u2019Neill\u6240\u8aaa\uff1a\u300c\u9280\u884c\u6703\u7528\u5404\u7a2e\u65b9\u6cd5\u4f86\u8655\u7406\u548c\u5c0d\u5e33\u652f\u7968\uff0c\u5c0d\u65bc\u4e00\u4e9b\u5ba2\u6236\u4f86\u8aaa\uff0c\u53ef\u80fd\u6bd4\u8f03\u559c\u6b61\u5148\u4ed8\u5927\u7b46\u4ea4\u6613\uff0c\u56e0\u70ba\u90a3\u80fd\u78ba\u4fdd\u50cf\u8cb8\u6b3e\u3001\u623f\u79df\u6216\u516c\u5171\u4e8b\u696d\u8cbb\u7528\u7b49\u91cd\u8981\u4ed8\u6b3e\u80fd\u88ab\u652f\u4ed8\u3002\u300d<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u64da\u5831\u544a\u7d71\u8a08\uff0c\u5e74\u6536\u57285\u81f32.5\u842c\u9593\u7684\u7f8e\u570b24%\u4eba\u53e3\uff0c\u670933%\u662f\u4e00\u5e74\u4ed8\u4e09\u6b21\u4ee5\u4e0a\u900f\u652f\u8cbb\u7684\u91cd\u5ea6\u900f\u652f\u8005\uff1b2.5\u81f31.5\u842c\u768411%\u4eba\u53e3\uff0c20%\u662f\u91cd\u5ea6\u900f\u652f\u8005\uff1b1.5\u842c\u4ee5\u4e0b\u768413%\u4eba\u53e3\uff0c\u91cd\u5ea6\u800514%\u3002\u9019\u5e74\u6536\u5728\u4e94\u842c\u4ee5\u4e0b\u7684\u7d04\u4e03\u6210\u91cd\u5ea6\u900f\u652f\u8005\uff0c\u670925%\u6bcf\u5e74\u4ed8\u7684\u900f\u652f\u8cbb\u9054\u4ed6\u5011\u7684\u4e00\u9031\u85aa\u8cc7\u30022015\u5e74\uff0c\u8cc7\u7522\u8d85\u904e\u5341\u5104\u7684\u7f8e\u570b\u9280\u884c\uff0c\u5171\u900f\u904e\u900f\u652f\u8cbb\u548c\u5e33\u6236\u9918\u984d\u4e0d\u8db3(nonsufficient funds, NSF) \u6536\u76ca\u8cfa\u9032111.6\u5104\uff0c\u7d04\u662f\u4e09\u5206\u4e4b\u4e8c\u6240\u6709\u5b58\u6b3e\u5e33\u6236\u7684\u670d\u52d9\u6536\u5165\uff0c\u7136\u800c\u9019\u4e9b\u9280\u884c\u7372\u5229\u7684\u91cd\u5927\u8ca2\u737b\u8005\uff0c\u537b\u662f\u5f88\u5c0f\u6578\u76ee\u7684\u7d93\u6fdf\u5f31\u52e2\u5ba2\u6236\uff0c\u5831\u544a\u8aaa18%\u7684\u5e33\u6236\u4ed8\u4e8691%\u7684\u9280\u884c\u9019\u65b9\u9762\u7372\u5229\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u6bcf\u900f\u652f\u4e00\u6b21\u5c31\u4e09\u5341\u4e94\u5143\uff0c\u9019\u7b46\u751f\u610f\u8b93\u7d93\u6fdf\u5f31\u52e2\u8005\u66f4\u5f31\u52e2\uff0c\u5f37\u52e2\u7684\u9280\u884c\u66f4\u5f37\u52e2\u3002\u5f9e1984\u5e74\u4ee5\u4f86\uff0c\u9280\u884c\u7372\u5229\u4f86\u6e90\u7684\u5229\u606f\u8207\u670d\u52d9\u5360\u6bd4\u5c31\u9010\u5e74\u6d88\u9577\uff0c\u7576\u7136\u670d\u52d9\u6536\u76ca\u9664\u4e86\u900f\u652f\u8cbb\u5916\uff0c\u9084\u5305\u62ecATM\u624b\u7e8c\u8cbb\u8207\u5e33\u6236\u7dad\u8b77\u8cbb\u7b49\uff0c\u53ea\u4e0d\u904e\u900f\u652f\u8cbb\u6536\u5165\u6bd4\u4f8b\u4e0d\u5c0f\u3002\u5e38\u5e38\u6bcf\u9694\u4e00\u6bb5\u6642\u9593\u5c31\u6703\u770b\u5230\u67d0\u4e9b\u6a5f\u69cb\u5831\u544a\u8aaa\uff0c\u6709\u591a\u5927\u6bd4\u4f8b\u7684\u7f8e\u570b\u4eba\u62ff\u4e0d\u51fa\u591a\u5c0f\u7684\u61c9\u6025\u73fe\u91d1\uff0c\u6709\u6642\u5019\u53ef\u80fd\u4e5f\u4e0d\u662f\u62ff\u4e0d\u51fa\uff0c\u800c\u662f\u53bb\u62ff\u5c31\u53c8\u591a\u4e86\u7b46\u900f\u652f\u8cbb\u3002\u9280\u884c\u9760\u5ba2\u6236\u900f\u652f\u4f86\u7372\u5229\uff0c\u5ba2\u6236\u9760\u900f\u652f\u4f86\u904e\u65e5\u5b50\uff0c\u76ae\u5c24\u547c\u7c72\u8d95\u5feb\u7acb\u6cd5\u5c07\u900f\u652f\u8a08\u756b\u900f\u660e\u3001\u8cbb\u7528\u5408\u7406\u4e14\u8a2d\u8a08\u6210\u53ea\u7522\u751f\u5728\u5076\u767c\u6216\u7a81\u767c\u72c0\u6cc1\uff0c\u5be6\u5728\u4e0d\u7121\u9053\u7406\uff0c\u4e5f\u5e0c\u671b\u8d81\u806f\u90a6\u57fa\u672c\u5229\u7387\u8d70\u9ad8\u8d70\u56de\u6b63\u5e38\u9053\u8def\u4e4b\u969b\uff0c\u9280\u884c\u5011\u80fd\u518d\u56de\u5230\u5229\u7528\u5ba2\u6236\u7684\u73fe\u6709\u9322\u53bb\u8cfa\u9322\uff0c\u800c\u4e0d\u662f\u9760\u5ba2\u6236\u7684\u9322\u4e0d\u5920\u4f86\u8cfa\u9322\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>\u8a18\u8005 \/ Pegasus J. Juan<\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"feature,money,%e9%a7%90%e7%ab%99%e4%bd%9c%e5%ae%b6\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1488175671\"\r\n\t            data-title=\"\u4e09\u5341\u4e94\u5143\u7684\u900f\u652f\u751f\u610f\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u7121\u8ad6\u5b78\u8853\u6216\u8f3f\u8ad6\uff0c\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3(Pew Research 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Press)\u30022004\u5e74\uff0c\u76ae\u5c24\u6148\u5584\u57fa\u91d1\u66f4\u5c07\u6b64\u6a5f\u69cb\u7c21\u7a31\u70ba\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3\uff0c\u7e3d\u90e8\u8a2d\u65bc\u83ef\u5e9c\uff0c\u5c08\u505a\u4e2d\u7acb\u3001\u7368\u7acb\u3001\u7121\u50be\u5411\u6027(non-advocacy)\u7684\u7814\u7a76\uff0c\u8fc4\u4eca\u5df2\u6210\u4eab\u8b7d\u5168\u7403\u7684\u8cc7\u6599\u5f15\u7528\u4f86\u6e90\u6a5f\u69cb\u4e4b\u4e00\u3002 \u800c\u5176\u80cc\u5f8c\u7684\u9760\u5c71\uff0c1948\u5e74\u7531Sun Oil Company\u5275\u8fa6\u4ebaJoseph Newton Pew\u53ca\u5176\u592b\u4ebaMary Anderson 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\u76ae\u5c24\u7684\u6d88\u8cbb\u91d1\u878d\u9805\u76ee\u7814\u7a76\u4e3b\u7ba1Joy Hackenbracht\u5c0d\u6b64\u73fe\u8c61\u8aaa\uff1a\u300c\u7531\u591a\u81f3\u5c11\u7684\u4ea4\u6613\u91cd\u6392\u5e8f\u662f\u7a2e\u50b7\u5bb3\u6d88\u8cbb\u8005\u7684\u64cd\u4f5c\uff0c\u7acb\u6cd5\u6a5f\u95dc\u771f\u8a72\u7981\u6b62\u5b83\u3002\u300d\u800c\u57f7\u6b64\u64cd\u4f5c\u7684\u9280\u884c\u8aaa\u6cd5\uff0c\u6700\u5178\u578b\u4ee3\u8868\u53ef\u5c6c\u7f8e\u570b\u9280\u884c\u5bb6\u5354\u6703\u7684\u6cd5\u898f\u4e2d\u5fc3(Center for Regulatory Compliance)\u8cc7\u6df1\u526f\u7e3dVirginia O\u2019Neill\u6240\u8aaa\uff1a\u300c\u9280\u884c\u6703\u7528\u5404\u7a2e\u65b9\u6cd5\u4f86\u8655\u7406\u548c\u5c0d\u5e33\u652f\u7968\uff0c\u5c0d\u65bc\u4e00\u4e9b\u5ba2\u6236\u4f86\u8aaa\uff0c\u53ef\u80fd\u6bd4\u8f03\u559c\u6b61\u5148\u4ed8\u5927\u7b46\u4ea4\u6613\uff0c\u56e0\u70ba\u90a3\u80fd\u78ba\u4fdd\u50cf\u8cb8\u6b3e\u3001\u623f\u79df\u6216\u516c\u5171\u4e8b\u696d\u8cbb\u7528\u7b49\u91cd\u8981\u4ed8\u6b3e\u80fd\u88ab\u652f\u4ed8\u3002\u300d 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property=\"og:title\" content=\"\u4e09\u5341\u4e94\u5143\u7684\u900f\u652f\u751f\u610f - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" \/>\n\t\t<meta property=\"og:description\" content=\"\u7121\u8ad6\u5b78\u8853\u6216\u8f3f\u8ad6\uff0c\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3(Pew Research Center)\u6240\u767c\u8868\u7684\u5831\u544a\u6216\u7814\u7a76\u4e00\u76f4\u5ee3\u88ab\u5927\u5bb6\u63a1\u7528\uff0c\u5176\u516c\u4fe1\u529b\u6709\u6642\u662f\u5f88\u591a\u653f\u5e9c\u6a5f\u95dc\u6240\u4e0d\u53ca\u7684\u3002\u5176\u521d\u662f1990\u5e74\u7531Times Mirror\u5831\u696d\u516c\u53f8\u5275\u7acb\u7684Times Mirror Center for the People &amp; the Press\uff0c\u4e3b\u8981\u505a\u653f\u6cbb\u6216\u91cd\u5927\u653f\u7b56\u8b70\u984c\u7684\u6c11\u8abf\u5de5\u4f5c\u3002\u52301996\u5e74\uff0c\u76ae\u5c24\u6148\u5584\u4fe1\u8a17\u57fa\u91d1(Pew Charitable Trusts)\u6210\u70ba\u9019\u6a5f\u69cb\u7684\u4e3b\u8981\u8cc7\u52a9\u65b9\uff0c\u4fbf\u6539\u540d\u70ba\u300c\u7d66\u4eba\u6c11\u8207\u5a92\u9ad4\u7684\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3\u300d(Pew Research Center for the People &amp; the Press)\u30022004\u5e74\uff0c\u76ae\u5c24\u6148\u5584\u57fa\u91d1\u66f4\u5c07\u6b64\u6a5f\u69cb\u7c21\u7a31\u70ba\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3\uff0c\u7e3d\u90e8\u8a2d\u65bc\u83ef\u5e9c\uff0c\u5c08\u505a\u4e2d\u7acb\u3001\u7368\u7acb\u3001\u7121\u50be\u5411\u6027(non-advocacy)\u7684\u7814\u7a76\uff0c\u8fc4\u4eca\u5df2\u6210\u4eab\u8b7d\u5168\u7403\u7684\u8cc7\u6599\u5f15\u7528\u4f86\u6e90\u6a5f\u69cb\u4e4b\u4e00\u3002 \u800c\u5176\u80cc\u5f8c\u7684\u9760\u5c71\uff0c1948\u5e74\u7531Sun Oil Company\u5275\u8fa6\u4ebaJoseph Newton Pew\u53ca\u5176\u592b\u4ebaMary Anderson Pew\u7684\u5b50\u5973\u6240\u5275\u8fa6\u7684\u76ae\u5c24\u6148\u5584\u4fe1\u8a17\u57fa\u91d1\uff0c\u79c9\u6301\u5176\u4f7f\u547d\u4e4b\u4e00\u7684\u544a\u8a34\u5927\u773e\u6709\u7528\u8cc7\u6599\u4ee5\u6539\u8b8a\u4e16\u754c\uff0c\u65bc\u53bb\u5e74\u5341\u4e8c\u6708\u767c\u8868\u4e00\u4efd\u5831\u544a\u8aaa\uff0c\u8a31\u591a\u4eba\uff0c\u5c24\u5176\u662f\u7d93\u6fdf\u5f31\u52e2\u8005\uff0c\u4e00\u76f4\u5728\u88ab\u7f8e\u570b\u9280\u884c\u6536\u53d6\u4e0d\u5408\u7406\u7684\u900f\u652f\u8cbb\uff0c\u547c\u7c72\u300a\u4fdd\u8b77\u6d88\u8cbb\u8005\u514d\u53d7\u904e\u9ad8\u900f\u652f\u6210\u672c\u300b( Consumers Need Protection From Excessive Overdraft Costs)\u3002 \u6a19\u984c\u8207\u547c\u7c72\u76f8\u540c\u7684\u5831\u544a\u6307\u51fa\uff0c\u5728\u904e\u53bb\u4e09\u5341\u5e74\u9593\uff0c\u9280\u884c\u7684\u5229\u6f64\u4f86\u6e90\u5df2\u5f9e\u5229\u606f\u6536\u5165\u8f49\u6210\u670d\u52d9\u8cbb\u7528\uff0c\u5305\u62ec\u5e33\u6236\u900f\u652f\u8cbb\u3002\u7576\u5ba2\u6236\u7528\u7c3d\u5e33\u5361(debit card)\u3001\u81ea\u52d5\u5316\u7968\u64da\u4ea4\u63db\u6240(automated clearinghouse, ACH)\u3001ATM\u3001\u652f\u7968\u8207\u5176\u5b83\u4ea4\u6613\u6642\uff0c\u4e00\u65e6\u8d85\u904e\u5e33\u6236\u9918\u984d\u4fbf\u6703\u7522\u751f\u9280\u884c\u6536\u53d6\u7684\u900f\u652f\u670d\u52d9\u8cbb\uff0c\u901a\u5e38\u662f$35\uff0c\u4f46\u4e00\u822c\u4e0d\u6703\u99ac\u4e0a\u77e5\u9053\uff0c\u800c\u662f\u7b49\u5230\u9280\u884c\u5e33\u55ae\u4f86\u6642\u624d\u767c\u73fe\uff0c\u6240\u4ee5\u5831\u544a\u8aaa\u4e09\u5206\u4e4b\u4e8c\u4ee5\u4e0a\u900f\u652f\u8005\uff0c\u5be7\u53ef\u6e1b\u5c11\u4ea4\u6613\u4e5f\u4e0d\u8981\u4eab\u53d7$35\u7684\u670d\u52d9\u3002\u7167\u7406\u8aaa\uff0c\u9280\u884c\u65b9\u4fbf\u5ba2\u6236\u82b1\u9322\uff0c\u6536\u53d6\u4e9b\u8a31\u670d\u52d9\u8cbb\u4e26\u4e0d\u70ba\u904e\uff0c\u4f46\u5831\u544a\u8a8d\u70ba\u4e00\u4f86\u9019$35\u592a\u9ad8\uff0c\u4e8c\u4f86\u9280\u884c\u9084\u900f\u904e\u92b7\u5e33\u6280\u5de7\u4f86\u523b\u610f\u7522\u751f\u9019\u7b46\u8cbb\u7528\uff0c\u8b93\u8a72\u7d44\u7e54\u547c\u7c72\u7acb\u6cd5\u6a5f\u95dc\u8a2d\u5b9a\u5408\u7406\u7684\u900f\u652f\u8cbb\u4e0a\u9650\uff0c\u4e26\u8981\u6c42\u9280\u884c\u4e0d\u518d\u6295\u6a5f\u53d6\u5de7\u5730\u8cfa\u9019\u7b46\u9322\u3002 \u76ae\u5c24\u5206\u6790\u5168\u7f8e\u6700\u5927\u4e94\u5341\u5bb6\u9280\u884c\u4e2d\uff0c\u5831\u7d66\u806f\u90a6\u5b58\u6b3e\u4fdd\u96aa\u516c\u53f8(FDIC)\u8cbb\u7528\u8aaa\u660e\u3001\u5e33\u6236\u5354\u8b70\u7b49\u8cc7\u6599\u768444\u5bb6\uff0c\u767c\u73fe\u670928\u5bb6\u6536\u53d6$35\u6216\u66f4\u591a\u7684\u900f\u652f\u8cbb\uff0c\u670918\u5bb6\u7684\u92b7\u5e33\u65b9\u5f0f\u662f\u6309\u91d1\u984d\u5927\u5c0f\u6392\u5e8f\u4e0b\u4f86\uff0c\u800c\u4e0d\u662f\u6309\u767c\u751f\u6642\u9593\u5148\u5f8c\uff0c\u9019\u6a23\u7684\u8655\u7406\u65b9\u5f0f\u53ef\u5feb\u901f\u6d88\u5316\u5e33\u6236\u9918\u984d\uff0c\u4e5f\u5c31\u5bb9\u6613\u7522\u751f\u900f\u652f\u8cbb\uff0c\u56e0\u70ba\u900f\u652f\u8cbb\u662f\u56fa\u5b9a\u7684\uff0c\u5373\u4f7f\u900f\u652f\u4e00\u5206\u9322\u4e5f\u6703\u7522\u751f$35\u7684\u9280\u884c\u670d\u52d9\u8cbb\uff0c\u5229\u6f64\u7a7a\u9593\u5f88\u5927\u3002\u591a\u6578\u9280\u884c\u662f\u6bcf\u500b\u5de5\u4f5c\u65e5\u7d50\u7b97\u5ba2\u6236\u7684\u4e00\u5929\u4ea4\u6613\uff0c\u4f46\u50cf\u652f\u7968\u6216\u7db2\u8def\u4ea4\u6613\u7b49\u5247\u9700\u8981\u6578\u5929\u4f86\u6e05\uff0c\u56e0\u6b64\u5c31\u7522\u751f\u4ea4\u6613\u92b7\u5e33\u6392\u5e8f\u7684\u904b\u4f5c\uff0c\u4f8b\u5982\u4f60\u7684\u652f\u7968\u5e33\u6236\u9918\u984d\u70ba\u4e00\u5343\u5143\uff0c\u9031\u4e00\u52a0\u6cb9\u4ed8\u4e86\u4e00\u767e\u5143\uff0c\u9031\u4e8c\u4ed8\u8cb8\u6b3e\u4e00\u5343\u4e00\u767e\u5143\uff0c\u4f46\u5169\u7b46\u9322\u5230\u9280\u884c\u90a3\u88e1\u53ef\u80fd\u662f\u540c\u4e00\u5929\u7d50\u7b97\uff0c\u9019\u4e9b\u9280\u884c\u5c31\u6703\u5148\u7d50\u8cb8\u6b3e\u9020\u6210\u4e00\u6b21\u900f\u652f\uff0c\u7136\u5f8c\u518d\u7d50\u52a0\u6cb9\u9322\u7522\u751f\u4e8c\u6b21\u900f\u652f\u3002\u4f46\u82e5\u6309\u4ea4\u6613\u6642\u9593\u6216\u91d1\u984d\u7531\u5c0f\u81f3\u5927\u7d50\u7b97\uff0c\u5247\u53ea\u6703\u7522\u751f\u8cb8\u6b3e\u7684\u4e00\u6b21\u900f\u652f\u3002 \u76ae\u5c24\u7684\u6d88\u8cbb\u91d1\u878d\u9805\u76ee\u7814\u7a76\u4e3b\u7ba1Joy Hackenbracht\u5c0d\u6b64\u73fe\u8c61\u8aaa\uff1a\u300c\u7531\u591a\u81f3\u5c11\u7684\u4ea4\u6613\u91cd\u6392\u5e8f\u662f\u7a2e\u50b7\u5bb3\u6d88\u8cbb\u8005\u7684\u64cd\u4f5c\uff0c\u7acb\u6cd5\u6a5f\u95dc\u771f\u8a72\u7981\u6b62\u5b83\u3002\u300d\u800c\u57f7\u6b64\u64cd\u4f5c\u7684\u9280\u884c\u8aaa\u6cd5\uff0c\u6700\u5178\u578b\u4ee3\u8868\u53ef\u5c6c\u7f8e\u570b\u9280\u884c\u5bb6\u5354\u6703\u7684\u6cd5\u898f\u4e2d\u5fc3(Center for Regulatory Compliance)\u8cc7\u6df1\u526f\u7e3dVirginia O\u2019Neill\u6240\u8aaa\uff1a\u300c\u9280\u884c\u6703\u7528\u5404\u7a2e\u65b9\u6cd5\u4f86\u8655\u7406\u548c\u5c0d\u5e33\u652f\u7968\uff0c\u5c0d\u65bc\u4e00\u4e9b\u5ba2\u6236\u4f86\u8aaa\uff0c\u53ef\u80fd\u6bd4\u8f03\u559c\u6b61\u5148\u4ed8\u5927\u7b46\u4ea4\u6613\uff0c\u56e0\u70ba\u90a3\u80fd\u78ba\u4fdd\u50cf\u8cb8\u6b3e\u3001\u623f\u79df\u6216\u516c\u5171\u4e8b\u696d\u8cbb\u7528\u7b49\u91cd\u8981\u4ed8\u6b3e\u80fd\u88ab\u652f\u4ed8\u3002\u300d \u64da\u5831\u544a\u7d71\u8a08\uff0c\u5e74\u6536\u57285\u81f32.5\u842c\u9593\u7684\u7f8e\u570b24%\u4eba\u53e3\uff0c\u670933%\u662f\u4e00\u5e74\u4ed8\u4e09\u6b21\u4ee5\u4e0a\u900f\u652f\u8cbb\u7684\u91cd\u5ea6\u900f\u652f\u8005\uff1b2.5\u81f31.5\u842c\u768411%\u4eba\u53e3\uff0c20%\u662f\u91cd\u5ea6\u900f\u652f\u8005\uff1b1.5\u842c\u4ee5\u4e0b\u768413%\u4eba\u53e3\uff0c\u91cd\u5ea6\u800514%\u3002\u9019\u5e74\u6536\u5728\u4e94\u842c\u4ee5\u4e0b\u7684\u7d04\u4e03\u6210\u91cd\u5ea6\u900f\u652f\u8005\uff0c\u670925%\u6bcf\u5e74\u4ed8\u7684\u900f\u652f\u8cbb\u9054\u4ed6\u5011\u7684\u4e00\u9031\u85aa\u8cc7\u30022015\u5e74\uff0c\u8cc7\u7522\u8d85\u904e\u5341\u5104\u7684\u7f8e\u570b\u9280\u884c\uff0c\u5171\u900f\u904e\u900f\u652f\u8cbb\u548c\u5e33\u6236\u9918\u984d\u4e0d\u8db3(nonsufficient funds, NSF)\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/newsforchinese.com\/v3\/2017\/02\/27\/%e4%b8%89%e5%8d%81%e4%ba%94%e5%85%83%e7%9a%84%e9%80%8f%e6%94%af%e7%94%9f%e6%84%8f\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/10\/bank.jpg\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/10\/bank.jpg\" \/>\n\t\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t\t<meta property=\"og:image:height\" content=\"407\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2017-02-27T14:07:51+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2017-02-28T06:27:44+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"\u4e09\u5341\u4e94\u5143\u7684\u900f\u652f\u751f\u610f - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" \/>\n\t\t<meta name=\"twitter:description\" content=\"\u7121\u8ad6\u5b78\u8853\u6216\u8f3f\u8ad6\uff0c\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3(Pew Research Center)\u6240\u767c\u8868\u7684\u5831\u544a\u6216\u7814\u7a76\u4e00\u76f4\u5ee3\u88ab\u5927\u5bb6\u63a1\u7528\uff0c\u5176\u516c\u4fe1\u529b\u6709\u6642\u662f\u5f88\u591a\u653f\u5e9c\u6a5f\u95dc\u6240\u4e0d\u53ca\u7684\u3002\u5176\u521d\u662f1990\u5e74\u7531Times Mirror\u5831\u696d\u516c\u53f8\u5275\u7acb\u7684Times Mirror Center for the People &amp; the Press\uff0c\u4e3b\u8981\u505a\u653f\u6cbb\u6216\u91cd\u5927\u653f\u7b56\u8b70\u984c\u7684\u6c11\u8abf\u5de5\u4f5c\u3002\u52301996\u5e74\uff0c\u76ae\u5c24\u6148\u5584\u4fe1\u8a17\u57fa\u91d1(Pew Charitable Trusts)\u6210\u70ba\u9019\u6a5f\u69cb\u7684\u4e3b\u8981\u8cc7\u52a9\u65b9\uff0c\u4fbf\u6539\u540d\u70ba\u300c\u7d66\u4eba\u6c11\u8207\u5a92\u9ad4\u7684\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3\u300d(Pew Research Center for the People &amp; the Press)\u30022004\u5e74\uff0c\u76ae\u5c24\u6148\u5584\u57fa\u91d1\u66f4\u5c07\u6b64\u6a5f\u69cb\u7c21\u7a31\u70ba\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3\uff0c\u7e3d\u90e8\u8a2d\u65bc\u83ef\u5e9c\uff0c\u5c08\u505a\u4e2d\u7acb\u3001\u7368\u7acb\u3001\u7121\u50be\u5411\u6027(non-advocacy)\u7684\u7814\u7a76\uff0c\u8fc4\u4eca\u5df2\u6210\u4eab\u8b7d\u5168\u7403\u7684\u8cc7\u6599\u5f15\u7528\u4f86\u6e90\u6a5f\u69cb\u4e4b\u4e00\u3002 \u800c\u5176\u80cc\u5f8c\u7684\u9760\u5c71\uff0c1948\u5e74\u7531Sun Oil Company\u5275\u8fa6\u4ebaJoseph Newton Pew\u53ca\u5176\u592b\u4ebaMary Anderson Pew\u7684\u5b50\u5973\u6240\u5275\u8fa6\u7684\u76ae\u5c24\u6148\u5584\u4fe1\u8a17\u57fa\u91d1\uff0c\u79c9\u6301\u5176\u4f7f\u547d\u4e4b\u4e00\u7684\u544a\u8a34\u5927\u773e\u6709\u7528\u8cc7\u6599\u4ee5\u6539\u8b8a\u4e16\u754c\uff0c\u65bc\u53bb\u5e74\u5341\u4e8c\u6708\u767c\u8868\u4e00\u4efd\u5831\u544a\u8aaa\uff0c\u8a31\u591a\u4eba\uff0c\u5c24\u5176\u662f\u7d93\u6fdf\u5f31\u52e2\u8005\uff0c\u4e00\u76f4\u5728\u88ab\u7f8e\u570b\u9280\u884c\u6536\u53d6\u4e0d\u5408\u7406\u7684\u900f\u652f\u8cbb\uff0c\u547c\u7c72\u300a\u4fdd\u8b77\u6d88\u8cbb\u8005\u514d\u53d7\u904e\u9ad8\u900f\u652f\u6210\u672c\u300b( Consumers Need Protection From Excessive Overdraft Costs)\u3002 \u6a19\u984c\u8207\u547c\u7c72\u76f8\u540c\u7684\u5831\u544a\u6307\u51fa\uff0c\u5728\u904e\u53bb\u4e09\u5341\u5e74\u9593\uff0c\u9280\u884c\u7684\u5229\u6f64\u4f86\u6e90\u5df2\u5f9e\u5229\u606f\u6536\u5165\u8f49\u6210\u670d\u52d9\u8cbb\u7528\uff0c\u5305\u62ec\u5e33\u6236\u900f\u652f\u8cbb\u3002\u7576\u5ba2\u6236\u7528\u7c3d\u5e33\u5361(debit card)\u3001\u81ea\u52d5\u5316\u7968\u64da\u4ea4\u63db\u6240(automated clearinghouse, 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Mirror\u5831\u696d\u516c\u53f8\u5275\u7acb\u7684Times Mirror Center for the People &amp; the Press\uff0c\u4e3b\u8981\u505a\u653f\u6cbb\u6216\u91cd\u5927\u653f\u7b56\u8b70\u984c\u7684\u6c11\u8abf\u5de5\u4f5c\u3002\u52301996\u5e74\uff0c\u76ae\u5c24\u6148\u5584\u4fe1\u8a17\u57fa\u91d1(Pew Charitable Trusts)\u6210\u70ba\u9019\u6a5f\u69cb\u7684\u4e3b\u8981\u8cc7\u52a9\u65b9\uff0c\u4fbf\u6539\u540d\u70ba\u300c\u7d66\u4eba\u6c11\u8207\u5a92\u9ad4\u7684\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3\u300d(Pew Research Center for the People &amp; the Press)\u30022004\u5e74\uff0c\u76ae\u5c24\u6148\u5584\u57fa\u91d1\u66f4\u5c07\u6b64\u6a5f\u69cb\u7c21\u7a31\u70ba\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3\uff0c\u7e3d\u90e8\u8a2d\u65bc\u83ef\u5e9c\uff0c\u5c08\u505a\u4e2d\u7acb\u3001\u7368\u7acb\u3001\u7121\u50be\u5411\u6027(non-advocacy)\u7684\u7814\u7a76\uff0c\u8fc4\u4eca\u5df2\u6210\u4eab\u8b7d\u5168\u7403\u7684\u8cc7\u6599\u5f15\u7528\u4f86\u6e90\u6a5f\u69cb\u4e4b\u4e00\u3002 \u800c\u5176\u80cc\u5f8c\u7684\u9760\u5c71\uff0c1948\u5e74\u7531Sun Oil Company\u5275\u8fa6\u4ebaJoseph Newton Pew\u53ca\u5176\u592b\u4ebaMary Anderson Pew\u7684\u5b50\u5973\u6240\u5275\u8fa6\u7684\u76ae\u5c24\u6148\u5584\u4fe1\u8a17\u57fa\u91d1\uff0c\u79c9\u6301\u5176\u4f7f\u547d\u4e4b\u4e00\u7684\u544a\u8a34\u5927\u773e\u6709\u7528\u8cc7\u6599\u4ee5\u6539\u8b8a\u4e16\u754c\uff0c\u65bc\u53bb\u5e74\u5341\u4e8c\u6708\u767c\u8868\u4e00\u4efd\u5831\u544a\u8aaa\uff0c\u8a31\u591a\u4eba\uff0c\u5c24\u5176\u662f\u7d93\u6fdf\u5f31\u52e2\u8005\uff0c\u4e00\u76f4\u5728\u88ab\u7f8e\u570b\u9280\u884c\u6536\u53d6\u4e0d\u5408\u7406\u7684\u900f\u652f\u8cbb\uff0c\u547c\u7c72\u300a\u4fdd\u8b77\u6d88\u8cbb\u8005\u514d\u53d7\u904e\u9ad8\u900f\u652f\u6210\u672c\u300b( Consumers Need Protection From Excessive Overdraft Costs)\u3002 \u6a19\u984c\u8207\u547c\u7c72\u76f8\u540c\u7684\u5831\u544a\u6307\u51fa\uff0c\u5728\u904e\u53bb\u4e09\u5341\u5e74\u9593\uff0c\u9280\u884c\u7684\u5229\u6f64\u4f86\u6e90\u5df2\u5f9e\u5229\u606f\u6536\u5165\u8f49\u6210\u670d\u52d9\u8cbb\u7528\uff0c\u5305\u62ec\u5e33\u6236\u900f\u652f\u8cbb\u3002\u7576\u5ba2\u6236\u7528\u7c3d\u5e33\u5361(debit card)\u3001\u81ea\u52d5\u5316\u7968\u64da\u4ea4\u63db\u6240(automated clearinghouse, ACH)\u3001ATM\u3001\u652f\u7968\u8207\u5176\u5b83\u4ea4\u6613\u6642\uff0c\u4e00\u65e6\u8d85\u904e\u5e33\u6236\u9918\u984d\u4fbf\u6703\u7522\u751f\u9280\u884c\u6536\u53d6\u7684\u900f\u652f\u670d\u52d9\u8cbb\uff0c\u901a\u5e38\u662f$35\uff0c\u4f46\u4e00\u822c\u4e0d\u6703\u99ac\u4e0a\u77e5\u9053\uff0c\u800c\u662f\u7b49\u5230\u9280\u884c\u5e33\u55ae\u4f86\u6642\u624d\u767c\u73fe\uff0c\u6240\u4ee5\u5831\u544a\u8aaa\u4e09\u5206\u4e4b\u4e8c\u4ee5\u4e0a\u900f\u652f\u8005\uff0c\u5be7\u53ef\u6e1b\u5c11\u4ea4\u6613\u4e5f\u4e0d\u8981\u4eab\u53d7$35\u7684\u670d\u52d9\u3002\u7167\u7406\u8aaa\uff0c\u9280\u884c\u65b9\u4fbf\u5ba2\u6236\u82b1\u9322\uff0c\u6536\u53d6\u4e9b\u8a31\u670d\u52d9\u8cbb\u4e26\u4e0d\u70ba\u904e\uff0c\u4f46\u5831\u544a\u8a8d\u70ba\u4e00\u4f86\u9019$35\u592a\u9ad8\uff0c\u4e8c\u4f86\u9280\u884c\u9084\u900f\u904e\u92b7\u5e33\u6280\u5de7\u4f86\u523b\u610f\u7522\u751f\u9019\u7b46\u8cbb\u7528\uff0c\u8b93\u8a72\u7d44\u7e54\u547c\u7c72\u7acb\u6cd5\u6a5f\u95dc\u8a2d\u5b9a\u5408\u7406\u7684\u900f\u652f\u8cbb\u4e0a\u9650\uff0c\u4e26\u8981\u6c42\u9280\u884c\u4e0d\u518d\u6295\u6a5f\u53d6\u5de7\u5730\u8cfa\u9019\u7b46\u9322\u3002 \u76ae\u5c24\u5206\u6790\u5168\u7f8e\u6700\u5927\u4e94\u5341\u5bb6\u9280\u884c\u4e2d\uff0c\u5831\u7d66\u806f\u90a6\u5b58\u6b3e\u4fdd\u96aa\u516c\u53f8(FDIC)\u8cbb\u7528\u8aaa\u660e\u3001\u5e33\u6236\u5354\u8b70\u7b49\u8cc7\u6599\u768444\u5bb6\uff0c\u767c\u73fe\u670928\u5bb6\u6536\u53d6$35\u6216\u66f4\u591a\u7684\u900f\u652f\u8cbb\uff0c\u670918\u5bb6\u7684\u92b7\u5e33\u65b9\u5f0f\u662f\u6309\u91d1\u984d\u5927\u5c0f\u6392\u5e8f\u4e0b\u4f86\uff0c\u800c\u4e0d\u662f\u6309\u767c\u751f\u6642\u9593\u5148\u5f8c\uff0c\u9019\u6a23\u7684\u8655\u7406\u65b9\u5f0f\u53ef\u5feb\u901f\u6d88\u5316\u5e33\u6236\u9918\u984d\uff0c\u4e5f\u5c31\u5bb9\u6613\u7522\u751f\u900f\u652f\u8cbb\uff0c\u56e0\u70ba\u900f\u652f\u8cbb\u662f\u56fa\u5b9a\u7684\uff0c\u5373\u4f7f\u900f\u652f\u4e00\u5206\u9322\u4e5f\u6703\u7522\u751f$35\u7684\u9280\u884c\u670d\u52d9\u8cbb\uff0c\u5229\u6f64\u7a7a\u9593\u5f88\u5927\u3002\u591a\u6578\u9280\u884c\u662f\u6bcf\u500b\u5de5\u4f5c\u65e5\u7d50\u7b97\u5ba2\u6236\u7684\u4e00\u5929\u4ea4\u6613\uff0c\u4f46\u50cf\u652f\u7968\u6216\u7db2\u8def\u4ea4\u6613\u7b49\u5247\u9700\u8981\u6578\u5929\u4f86\u6e05\uff0c\u56e0\u6b64\u5c31\u7522\u751f\u4ea4\u6613\u92b7\u5e33\u6392\u5e8f\u7684\u904b\u4f5c\uff0c\u4f8b\u5982\u4f60\u7684\u652f\u7968\u5e33\u6236\u9918\u984d\u70ba\u4e00\u5343\u5143\uff0c\u9031\u4e00\u52a0\u6cb9\u4ed8\u4e86\u4e00\u767e\u5143\uff0c\u9031\u4e8c\u4ed8\u8cb8\u6b3e\u4e00\u5343\u4e00\u767e\u5143\uff0c\u4f46\u5169\u7b46\u9322\u5230\u9280\u884c\u90a3\u88e1\u53ef\u80fd\u662f\u540c\u4e00\u5929\u7d50\u7b97\uff0c\u9019\u4e9b\u9280\u884c\u5c31\u6703\u5148\u7d50\u8cb8\u6b3e\u9020\u6210\u4e00\u6b21\u900f\u652f\uff0c\u7136\u5f8c\u518d\u7d50\u52a0\u6cb9\u9322\u7522\u751f\u4e8c\u6b21\u900f\u652f\u3002\u4f46\u82e5\u6309\u4ea4\u6613\u6642\u9593\u6216\u91d1\u984d\u7531\u5c0f\u81f3\u5927\u7d50\u7b97\uff0c\u5247\u53ea\u6703\u7522\u751f\u8cb8\u6b3e\u7684\u4e00\u6b21\u900f\u652f\u3002 \u76ae\u5c24\u7684\u6d88\u8cbb\u91d1\u878d\u9805\u76ee\u7814\u7a76\u4e3b\u7ba1Joy Hackenbracht\u5c0d\u6b64\u73fe\u8c61\u8aaa\uff1a\u300c\u7531\u591a\u81f3\u5c11\u7684\u4ea4\u6613\u91cd\u6392\u5e8f\u662f\u7a2e\u50b7\u5bb3\u6d88\u8cbb\u8005\u7684\u64cd\u4f5c\uff0c\u7acb\u6cd5\u6a5f\u95dc\u771f\u8a72\u7981\u6b62\u5b83\u3002\u300d\u800c\u57f7\u6b64\u64cd\u4f5c\u7684\u9280\u884c\u8aaa\u6cd5\uff0c\u6700\u5178\u578b\u4ee3\u8868\u53ef\u5c6c\u7f8e\u570b\u9280\u884c\u5bb6\u5354\u6703\u7684\u6cd5\u898f\u4e2d\u5fc3(Center for Regulatory Compliance)\u8cc7\u6df1\u526f\u7e3dVirginia O\u2019Neill\u6240\u8aaa\uff1a\u300c\u9280\u884c\u6703\u7528\u5404\u7a2e\u65b9\u6cd5\u4f86\u8655\u7406\u548c\u5c0d\u5e33\u652f\u7968\uff0c\u5c0d\u65bc\u4e00\u4e9b\u5ba2\u6236\u4f86\u8aaa\uff0c\u53ef\u80fd\u6bd4\u8f03\u559c\u6b61\u5148\u4ed8\u5927\u7b46\u4ea4\u6613\uff0c\u56e0\u70ba\u90a3\u80fd\u78ba\u4fdd\u50cf\u8cb8\u6b3e\u3001\u623f\u79df\u6216\u516c\u5171\u4e8b\u696d\u8cbb\u7528\u7b49\u91cd\u8981\u4ed8\u6b3e\u80fd\u88ab\u652f\u4ed8\u3002\u300d \u64da\u5831\u544a\u7d71\u8a08\uff0c\u5e74\u6536\u57285\u81f32.5\u842c\u9593\u7684\u7f8e\u570b24%\u4eba\u53e3\uff0c\u670933%\u662f\u4e00\u5e74\u4ed8\u4e09\u6b21\u4ee5\u4e0a\u900f\u652f\u8cbb\u7684\u91cd\u5ea6\u900f\u652f\u8005\uff1b2.5\u81f31.5\u842c\u768411%\u4eba\u53e3\uff0c20%\u662f\u91cd\u5ea6\u900f\u652f\u8005\uff1b1.5\u842c\u4ee5\u4e0b\u768413%\u4eba\u53e3\uff0c\u91cd\u5ea6\u800514%\u3002\u9019\u5e74\u6536\u5728\u4e94\u842c\u4ee5\u4e0b\u7684\u7d04\u4e03\u6210\u91cd\u5ea6\u900f\u652f\u8005\uff0c\u670925%\u6bcf\u5e74\u4ed8\u7684\u900f\u652f\u8cbb\u9054\u4ed6\u5011\u7684\u4e00\u9031\u85aa\u8cc7\u30022015\u5e74\uff0c\u8cc7\u7522\u8d85\u904e\u5341\u5104\u7684\u7f8e\u570b\u9280\u884c\uff0c\u5171\u900f\u904e\u900f\u652f\u8cbb\u548c\u5e33\u6236\u9918\u984d\u4e0d\u8db3(nonsufficient funds, NSF)","og:url":"https:\/\/newsforchinese.com\/v3\/2017\/02\/27\/%e4%b8%89%e5%8d%81%e4%ba%94%e5%85%83%e7%9a%84%e9%80%8f%e6%94%af%e7%94%9f%e6%84%8f\/","og:image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/10\/bank.jpg","og:image:secure_url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/10\/bank.jpg","og:image:width":600,"og:image:height":407,"article:published_time":"2017-02-27T14:07:51+00:00","article:modified_time":"2017-02-28T06:27:44+00:00","twitter:card":"summary_large_image","twitter:title":"\u4e09\u5341\u4e94\u5143\u7684\u900f\u652f\u751f\u610f - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","twitter:description":"\u7121\u8ad6\u5b78\u8853\u6216\u8f3f\u8ad6\uff0c\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3(Pew Research Center)\u6240\u767c\u8868\u7684\u5831\u544a\u6216\u7814\u7a76\u4e00\u76f4\u5ee3\u88ab\u5927\u5bb6\u63a1\u7528\uff0c\u5176\u516c\u4fe1\u529b\u6709\u6642\u662f\u5f88\u591a\u653f\u5e9c\u6a5f\u95dc\u6240\u4e0d\u53ca\u7684\u3002\u5176\u521d\u662f1990\u5e74\u7531Times Mirror\u5831\u696d\u516c\u53f8\u5275\u7acb\u7684Times Mirror Center for the People &amp; the Press\uff0c\u4e3b\u8981\u505a\u653f\u6cbb\u6216\u91cd\u5927\u653f\u7b56\u8b70\u984c\u7684\u6c11\u8abf\u5de5\u4f5c\u3002\u52301996\u5e74\uff0c\u76ae\u5c24\u6148\u5584\u4fe1\u8a17\u57fa\u91d1(Pew Charitable Trusts)\u6210\u70ba\u9019\u6a5f\u69cb\u7684\u4e3b\u8981\u8cc7\u52a9\u65b9\uff0c\u4fbf\u6539\u540d\u70ba\u300c\u7d66\u4eba\u6c11\u8207\u5a92\u9ad4\u7684\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3\u300d(Pew Research Center for the People &amp; the Press)\u30022004\u5e74\uff0c\u76ae\u5c24\u6148\u5584\u57fa\u91d1\u66f4\u5c07\u6b64\u6a5f\u69cb\u7c21\u7a31\u70ba\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3\uff0c\u7e3d\u90e8\u8a2d\u65bc\u83ef\u5e9c\uff0c\u5c08\u505a\u4e2d\u7acb\u3001\u7368\u7acb\u3001\u7121\u50be\u5411\u6027(non-advocacy)\u7684\u7814\u7a76\uff0c\u8fc4\u4eca\u5df2\u6210\u4eab\u8b7d\u5168\u7403\u7684\u8cc7\u6599\u5f15\u7528\u4f86\u6e90\u6a5f\u69cb\u4e4b\u4e00\u3002 \u800c\u5176\u80cc\u5f8c\u7684\u9760\u5c71\uff0c1948\u5e74\u7531Sun Oil Company\u5275\u8fa6\u4ebaJoseph Newton Pew\u53ca\u5176\u592b\u4ebaMary Anderson Pew\u7684\u5b50\u5973\u6240\u5275\u8fa6\u7684\u76ae\u5c24\u6148\u5584\u4fe1\u8a17\u57fa\u91d1\uff0c\u79c9\u6301\u5176\u4f7f\u547d\u4e4b\u4e00\u7684\u544a\u8a34\u5927\u773e\u6709\u7528\u8cc7\u6599\u4ee5\u6539\u8b8a\u4e16\u754c\uff0c\u65bc\u53bb\u5e74\u5341\u4e8c\u6708\u767c\u8868\u4e00\u4efd\u5831\u544a\u8aaa\uff0c\u8a31\u591a\u4eba\uff0c\u5c24\u5176\u662f\u7d93\u6fdf\u5f31\u52e2\u8005\uff0c\u4e00\u76f4\u5728\u88ab\u7f8e\u570b\u9280\u884c\u6536\u53d6\u4e0d\u5408\u7406\u7684\u900f\u652f\u8cbb\uff0c\u547c\u7c72\u300a\u4fdd\u8b77\u6d88\u8cbb\u8005\u514d\u53d7\u904e\u9ad8\u900f\u652f\u6210\u672c\u300b( Consumers Need Protection From Excessive Overdraft Costs)\u3002 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