{"id":206426,"date":"2021-09-01T18:25:46","date_gmt":"2021-09-02T01:25:46","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=206426"},"modified":"2021-09-01T18:35:31","modified_gmt":"2021-09-02T01:35:31","slug":"%e8%b3%bc%e8%b2%b7%e7%be%8e%e5%9c%8b%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa%e5%ae%9a%e8%a6%81%e6%98%8e%e7%99%bd%e7%9a%84%e4%ba%94%e5%a4%a7%e6%8a%80%e5%b7%a7","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2021\/09\/01\/%e8%b3%bc%e8%b2%b7%e7%be%8e%e5%9c%8b%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa%e5%ae%9a%e8%a6%81%e6%98%8e%e7%99%bd%e7%9a%84%e4%ba%94%e5%a4%a7%e6%8a%80%e5%b7%a7\/","title":{"rendered":"\u8cfc\u8cb7\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u5b9a\u8981\u660e\u767d\u7684\u4e94\u5927\u6280\u5de7"},"content":{"rendered":"\n<p>\u5c0f\u7de8\u8a8d\u70ba\u5927\u773e\u5728\u9078\u8cfc\u4eba\u58fd\u4fdd\u96aa\u6642\uff0c\u4e00\u5b9a\u8981\u5148\u4e86\u89e3\u91cd\u8981\u7684\u9078\u8cfc\u6280\u5de7\uff0c\u53ef\u4ee5\u907f\u514d\u8d70\u5f4e\u8def\uff0c\u8cb7\u5230\u66f4\u9069\u5408\u81ea\u8eab\u9700\u8981\u7684\u4fdd\u96aa\u3002<\/p>\n\n\n\n<!--more-->\n\n\n\n<p><strong>\u54ea\u5e7e\u985e\u4eba\u6700\u6025\u9700\u8cfc\u8cb7\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\uff1f<\/strong><\/p>\n\n\n\n<p>\u539f\u5247\u4e0a\u8aaa\uff0c\u7576\u7136\u662f\u5168\u5bb6\u90fd\u5099\u9f4a\u4fdd\u96aa\u6700\u7a69\u59a5\u3002\u4f46\u662f\u5982\u679c\u6025\u9700\u8cfc\u8cb7\uff0c\u6216\u8005\u7d93\u6fdf\u689d\u4ef6\u6709\u9650\u7684\u60c5\u6cc1\u4e0b\uff0c\u5c08\u5bb6\u5efa\u8b70\u5148\u4fdd\u8b49\u90195\u985e\u4eba\u914d\u5099\u597d\u4eba\u58fd\u4fdd\u96aa\u3002<\/p>\n\n\n\n<p><strong>1 <\/strong><strong>\u6709\u7d93\u6fdf\u4f9d\u8cf4\u7684\u4eba<\/strong><\/p>\n\n\n\n<p>\u7b2c\u4e00\u985e\u7d55\u5c0d\u9700\u8981\u4eba\u58fd\u4fdd\u96aa\u7684\u4eba\u7fa4\uff0c\u4e00\u5b9a\u662f\u6709\u4efb\u4f55\u9700\u8981\u88ab\u64ab\u990a\u6216\u7d93\u6fdf\u4e0a\u53d7\u4eba\u4f9d\u8cf4\u7684\u4eba\u7fa4\u3002\u6bd4\u5982\u5df2\u5a5a\u4eba\u58eb\uff08\u5bb6\u4e2d\u7684\u4e3b\u8981\u7d93\u6fdf\u652f\u67f1\uff09\uff0c\u5bb6\u4e2d\u6709\u9700\u8981\u8d0d\u990a\u7684\u4e0a\u5e74\u7d00\u7236\u6bcd\uff0c\u9084\u6709\u4e00\u985e\u662f\u5bb6\u5ead\u4e3b\u5a66\uff0c\u4ee5\u5f80\u5bb6\u5ead\u4e3b\u5a66\u975e\u5e38\u5bb9\u6613\u88ab\u5ffd\u7565\uff0c\u4f46\u662f\u5979\u5011\u5f80\u5f80\u64d4\u8ca0\u8457\u7121\u6cd5\u9810\u6599\u7684\u9f90\u5927\u80b2\u5152\u8cbb\u7528\u7b49\u3002<\/p>\n\n\n\n<p><strong>2 <\/strong><strong>\u8207\u4ed6\u4eba\u5171\u540c\u627f\u64d4\u7d93\u6fdf\u7fa9\u52d9\u7684\u4eba<\/strong><\/p>\n\n\n\n<p>\u5df2\u5a5a\u6216\u8005\u672a\u5a5a\u4f34\u4fb6\u3001\u751a\u81f3\u5144\u5f1f\u59d0\u59b9\u4e4b\u9593\u6709\u5171\u540c\u627f\u64d4\u7684\u50b5\u52d9\uff0c\u6bd4\u5982\u623f\u8cb8\uff0c\u8eca\u8cb8\u4e4b\u985e\u7684\u3002\u53e6\u5916\u9084\u6709\u7531\u500b\u4eba\u6216\u5546\u696d\u5925\u4f34\u63d0\u4f9b\u500b\u4eba\u64d4\u4fdd\u7684\u5546\u696d\u8cb8\u6b3e\u4e5f\u53ef\u80fd\u6703\u7522\u751f\u5171\u540c\u50b5\u52d9\u3002<\/p>\n\n\n\n<p><strong>3 <\/strong><strong>\u6d89\u53ca\u4ed6\u4eba\u5229\u76ca\u5236\u5b9a\u8ca1\u52d9\u8a08\u5283\u7684\u4eba<\/strong><\/p>\n\n\n\n<p>\u9019\u5c31\u662f\u5229\u7528\u4eba\u58fd\u4fdd\u96aa\u4f86\u201c\u5b8c\u6210\u8a08\u5283\u201d\u7684\u512a\u52e2\u3002\u9019\u4e00\u985e\u5ba2\u6236\u5f80\u5f80\u627f\u64d4\u8457\u5b69\u5b50\u7684\u5b78\u696d\u8a08\u5283\uff0c\u5e6b\u52a9\u5b69\u5b50\u9806\u5229\u5b8c\u6210\u5927\u5b78\u7684\u8cc7\u91d1\u5132\u84c4\u3002\u53e6\u5916\u9084\u6709\u914d\u5076\u4e4b\u9593\u7684\u9000\u4f11\u8a08\u5283\uff0c\u4e5f\u53ef\u4ee5\u8003\u616e\u540c\u6a23\u7684\u4fdd\u8b49\u63aa\u65bd\u3002<\/p>\n\n\n\n<p><strong>4 <\/strong><strong>\u6709\u4e0d\u826f\u907a\u50b3\u50be\u5411\u7684\u4eba<\/strong><\/p>\n\n\n\n<p>\u5982\u679c\u5bb6\u65cf\u4e2d\u6709\u67d0\u7a2e\u5f71\u97ff\u6295\u4fdd\u6216\u4fdd\u984d\u7684\u907a\u50b3\u75be\u75c5\uff0c\u5efa\u8b70\u5ba2\u6236\u5728\u81ea\u5df1\u8eab\u9ad4\u72c0\u6cc1\u826f\u597d\u7684\u60c5\u6cc1\u4e0b\u5118\u65e9\u6295\u4fdd\uff0c\u5982\u679c\u5b58\u5728\u4efb\u4f55\u6f5b\u5728\u7684\u75c7\u72c0\u90fd\u53ef\u80fd\u6703\u5927\u5927\u5f71\u97ff\u8cfc\u8cb7\u4fdd\u96aa\u3002<\/p>\n\n\n\n<p><strong>5 <\/strong><strong>\u5f9e\u4e8b\u5371\u96aa\u8077\u696d\u7684\u4eba<\/strong><\/p>\n\n\n\n<p>\u8cc7\u6df1\u4fdd\u96aa\u5c08\u5bb6\u5728\u591a\u5e74\u5de5\u4f5c\u7684\u7d93\u9a57\u4e2d\u767c\u73fe\uff0c\u8b66\u5bdf\u3001\u6d88\u9632\u968a\u54e1\u3001\u7ba1\u6559\u4eba\u54e1\u548c\u6025\u6551\u4eba\u54e1\u9019\u4e9b\u5f9e\u4e8b\u5371\u96aa\u8077\u696d\u7684\u4eba\u7fa4\uff0c\u8a31\u591a\u4eba\u6295\u4fdd\u56b4\u91cd\u4e0d\u8db3\u3002\u4f46\u5be6\u969b\u4e0a\uff0c\u9019\u985e\u4eba\u6700\u61c9\u8a72\u64c1\u6709\u8db3\u5920\u7684\u4eba\u58fd\u4fdd\u96aa\uff0c\u9019\u6a23\u6bcf\u5929\u51fa\u9580\u6642\u81ea\u5df1\u548c\u5bb6\u4eba\u624d\u80fd\u66f4\u7121\u6182\u3002<\/p>\n\n\n\n<p><strong>\u8cfc\u8cb7\u4eba\u58fd\u58fd\u96aa\u7684\u91cd\u8981\u6280\u5de7<\/strong><\/p>\n\n\n\n<p>\u5728\u4e86\u89e3\u5230\u6bcf\u500b\u4eba\u64c1\u6709\u4fdd\u96aa\u7684\u91cd\u8981\u6027\u5f8c\uff0c\u5c31\u8a72\u9078\u8cfc\u4e86\uff0c\u4f46\u662f\u9762\u5c0d\u5e02\u9762\u4e0a\u7a2e\u985e\u7e41\u591a\u7684\u58fd\u96aa\uff0c\u5230\u5e95\u8a72\u600e\u9ebc\u9078\u64c7\uff0c\u76f8\u4fe1\u662f\u7d55\u5927\u591a\u6578\u4eba\u7684\u56f0\u60d1\u3002\u9019\u6642\u5019\u6211\u5011\u5c31\u5f88\u9700\u8981\u6709\u7d93\u9a57\u7684\u5c08\u696d\u4eba\u58eb\uff0c\u544a\u8a34\u6211\u5011\u4e00\u4e9b\u4fdd\u96aa\u884c\u696d\u5167\u7684\u6280\u5de7\u4e86\u3002<\/p>\n\n\n\n<p><strong>1 <\/strong><strong>\u50f9\u683c\u5c0d\u6bd4\u662f\u9054\u6210\u4ea4\u6613\u7684\u6700\u4f73\u65b9\u5f0f<\/strong><\/p>\n\n\n\n<p>\u4e00\u65e6\u6c7a\u5b9a\u4e86\u4fdd\u96aa\u91d1\u984d\u548c\u671f\u9650\uff0c\u5c31\u8a72\u9032\u884c\u58fd\u96aa\u9078\u64c7\u4e86\u3002\u4f46\u662f\u540c\u985e\u578b\u7684\u4fdd\u96aa\u90a3\u9ebc\u591a\uff0c\u5982\u4f55\u4e0b\u624b\uff0c\u6700\u7c21\u55ae\u7684\u65b9\u6cd5\u662f\u9078\u64c7\u4e00\u500b\u53ef\u4ee5\u70ba\u4f60\u8cfc\u8cb7\u591a\u500b\u516c\u53f8\u58fd\u96aa\u7684\u7368\u7acb\u7d93\u7d00\u4eba\u6216\u4ee3\u7406\uff0c\u9019\u6a23\u6709\u5229\u65bc\u50f9\u683c\u5c0d\u6bd4\uff0c\u9078\u51fa\u6700\u9069\u5408\u4f60\uff0c\u6027\u50f9\u6bd4\u6700\u512a\u7684\u4e00\u7a2e\u3002<\/p>\n\n\n\n<p><strong>2 <\/strong><strong>\u6700\u7d42\u7684\u50f9\u683c\u53ef\u80fd\u6703\u6bd4\u539f\u4f86\u7684\u5831\u50f9\u8981\u9ad8<\/strong><\/p>\n\n\n\n<p>\u666e\u901a\u8cfc\u7269\u8005\u4e0d\u6703\u5728\u5546\u5e97\u88e1\u8cfc\u7269\u6642\uff0c\u767c\u73fe\u7d50\u8cec\u50f9\u683c\u6bd4\u6a19\u7c64\u50f9\u683c\u66f4\u9ad8\uff0c\u4f46\u9019\u5728\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\u6642\u7d93\u5e38\u767c\u751f\u3002\u56e0\u70ba\u6700\u521d\u7684\u5831\u50f9\u662f\u57fa\u65bc\u5c0d\u6295\u4fdd\u4eba\u7684\u4e00\u9ede\u9ede\u4fe1\u606f\u7684\u9810\u4f30\uff0c\u800c\u4e00\u65e6\u4fdd\u96aa\u516c\u53f8\u8655\u7406\u4e86\u4f60\u7533\u8acb\u7684\u6240\u6709\u4fe1\u606f\uff0c\u6700\u7d42\u7684\u50f9\u683c\u53ef\u80fd\u6703\u56e0\u70ba\u5be6\u969b\u8eab\u9ad4\u72c0\u6cc1\u4e0d\u597d\u800c\u8b8a\u9ad8\u3002<\/p>\n\n\n\n<p><strong>3 <\/strong><strong>\u6aa2\u67e5\u4fdd\u96aa\u516c\u53f8\u7684\u8ca1\u52d9\u5be6\u529b<\/strong><\/p>\n\n\n\n<p>\u8ca1\u52d9\u5be6\u529b\u8a55\u7d1a\u53ef\u4ee5\u8b93\u4eba\u5011\u4e86\u89e3\u4e00\u5bb6\u516c\u53f8\u4eca\u5f8c\u662f\u5426\u6709\u80fd\u529b\u511f\u9084\u50b5\u52d9\u3002\u96d6\u7136\u77e5\u540d\u7684\u5927\u578b\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u901a\u5e38\u90fd\u6709\u975e\u5e38\u597d\u7684\u8ca1\u52d9\u5be6\u529b\uff0c\u4f46\u5728\u8cfc\u8cb7\u4efb\u4f55\u516c\u53f8\u7684\u7522\u54c1\u4e4b\u524d\uff0c\u9084\u662f\u9700\u8981\u6aa2\u67e5\u4e00\u4e0b\u3002<\/p>\n\n\n\n<p><strong>4 <\/strong><strong>\u78ba\u4fdd\u6709\u671f\u9650\u8f49\u63db\u9078\u9805<\/strong><\/p>\n\n\n\n<p>\u5b9a\u671f\u58fd\u96aa\u4fdd\u55ae\u901a\u5e38\u6709\u4e00\u500b\u8f49\u63db\u9078\u9805\uff0c\u5728\u4fdd\u55ae\u671f\u9593\u53ef\u4ee5\u5c07\u5b9a\u671f\u58fd\u96aa\u8f49\u63db\u70ba\u6c38\u4e45\u58fd\u96aa\u3002\u9019\u6a23\u505a\u7684\u597d\u8655\u662f\uff0c\u53ef\u4ee5\u6839\u64da\u8cfc\u8cb7\u4fdd\u96aa\u6642\u7684\u5065\u5eb7\u72c0\u6cc1\u652f\u4ed8\u8cbb\u7528\uff0c\u5047\u5982\u5f8c\u7e8c\u767c\u73fe\u4e86\u67d0\u4e9b\u5065\u5eb7\u72c0\u6cc1\uff0c\u4ecd\u7136\u53ef\u4ee5\u66f4\u6539\u7b56\u7565\u3002<\/p>\n\n\n\n<p><strong>5 <\/strong><strong>\u514d\u9ad4\u6aa2\u7684\u4fdd\u96aa\u9078\u64c7<\/strong><\/p>\n\n\n\n<p>\u4ee5\u524d\uff0c\u5982\u679c\u6295\u4fdd\u524d\u4e0d\u53c3\u52a0\u9ad4\u6aa2\u53ef\u80fd\u5c31\u7121\u6cd5\u7372\u5f97\u4e00\u500b\u597d\u7684\u50f9\u683c\u3002\u4f46\u662f\u73fe\u5728\u5f88\u591a\u4fdd\u96aa\u516c\u53f8\u90fd\u6709\u4e86\u5177\u6709\u7af6\u722d\u529b\u50f9\u683c\u7684\u58fd\u96aa\u9078\u64c7\uff0c\u800c\u7121\u9700\u9032\u884c\u9ad4\u6aa2\u3002\u5c24\u5176\u5728\u75ab\u60c5\u671f\u9593\uff0c\u9019\u4e9b\u5feb\u901f\u53ef\u4ee5\u8cfc\u8cb7\uff0c\u7121\u9700\u9ad4\u6aa2\u7684\u58fd\u96aa\u9078\u64c7\u66f4\u662f\u6709\u6240\u589e\u52a0\u3002\u4e00\u4e9b\u516c\u53f8\u9084\u63d0\u9ad8\u4e86\u627f\u4fdd\u7bc4\u570d\uff0c\u751a\u81f3\u9ad8\u9054200\u842c\u7f8e\u5143\u4ee5\u4e0a\u3002<\/p>\n\n\n\n<p>\u5728\u9019\u5e7e\u5e74\uff0c\u7f8e\u570b\u6700\u7099\u624b\u53ef\u71b1\u7684\u4eba\u58fd\u4fdd\u96aa\u985e\u578b\uff0c\u7576\u5c6c\u6307\u6578\u578b\u842c\u80fd\u96aa(\u7c21\u7a31\uff1aIUL)\u4e86\u3002\u6307\u6578\u578b\u842c\u80fd\u96aa\u5c6c\u65bc\u7d42\u8eab\u4eba\u58fd\u4fdd\u96aa\u4e2d\u7684\u96aa\u7a2e\uff0c\u4eca\u5929\u6211\u5011\u7279\u5225\u4f86\u7d66\u5927\u5bb6\u5206\u4eab\u4e00\u4e0b\u7f8e\u570b\u7684\u6307\u6578\u578b\u842c\u80fd\u96aaIndex Universal Life\u3002<\/p>\n\n\n\n<p><strong>\u70ba\u4ec0\u9ebc\u5927\u5bb6\u90fd\u9752\u775e\u6307\u6578\u578b\u842c\u80fd\u96aa\u5462\uff1f<\/strong><\/p>\n\n\n\n<p>1994\u5e74\uff0c\u7f8e\u570b\u50b5\u5e02\u5371\u6a5f\u7206\u767c\uff0c\u5728\u9019\u4e00\u5e74\u9577\u905412\u500b\u6708\u7684\u6642\u9593\u88e1\uff0c\u57fa\u6e96\u5229\u7387\u9396\u5b9a\u5728\u4e861.5%\uff0c\u6295\u8cc7\u8005\u5e7e\u4e4e\u90fd\u88ab\u8840\u6d17\u4e00\u7a7a\u3002\u4eba\u5011\u9019\u6642\u624d\u610f\u8b58\u5230\uff0c\u4e00\u500b\u6709\u4fdd\u969c\u7684\u6295\u8cc7\u662f\u591a\u9ebc\u91cd\u8981\u3002\u65bc\u662f\uff0c\u201c\u53ea\u8cfa\u4e0d\u8ce0\u201d\u7684\u6307\u6578\u578b\u842c\u80fd\u96aa\u5c31\u5728\u9019\u6a23\u7684\u60c5\u6cc1\u4e0b\u8a95\u751f\u4e86\u3002<\/p>\n\n\n\n<p>\u96d6\u7136\u6307\u6578\u578b\u842c\u80fd\u96aa\u51fa\u73fe\u7684\u6642\u9593\u4e0d\u9577\uff0c\u4f46\u537b\u4e00\u8e8d\u6210\u70ba\u6700\u53d7\u4eba\u559c\u611b\u7684\u4fdd\u96aa\u4e4b\u4e00\uff0c\u5176\u7279\u9ede\u6b78\u7d0d\u800c\u8a00\u4fbf\u662f\uff1a\u53ea\u8cfa\u4e0d\u8ce0\u7684\u3001\u514d\u7a05\u7684\u3001\u65e2\u6709\u751f\u524d\u798f\u5229\u53c8\u6709\u751f\u5f8c\u5229\u76ca\u7684\u4fdd\u96aa\u3002<\/p>\n\n\n\n<p><strong>\u6307\u6578\u578b\u842c\u80fd\u96aa(IUL)<\/strong><strong>\u4f4e\u98a8\u96aa\u3001\u9ad8\u56de\u5831<\/strong><\/p>\n\n\n\n<p>\u572880\u5e74\u4ee3\u7814\u767c\u7684\u6d6e\u52d5\u578b\/\u6295\u8cc7\u578b\u842c\u80fd\u96aa\u6703\u5e36\u4f86\u9ad8\u984d\u7684\u56de\u5831\uff0c\u4f46\u5b83\u6709\u4e00\u500b\u81f4\u547d\u7684\u7f3a\u9ede\uff0c\u5c31\u662f\u4e0d\u4fdd\u5e95\u3002\u4e00\u65e6\u767c\u751f\u5371\u6a5f\uff0c\u6295\u8cc7\u4eba\u6975\u6709\u53ef\u80fd\u8840\u672c\u7121\u6b78\uff0c\u9084\u5fc5\u9808\u8cbc\u9322\u4f86\u7dad\u6301\u4fdd\u55ae\u7684\u6b63\u5e38\u5ef6\u7e8c\u3002\u4f4690\u5e74\u4ee3\u672b\u6240\u7814\u767c\u7684\u6307\u6578\u578b\u842c\u80fd\u96aa\u5247\u4e0d\u540c\uff0c\u5b83\u53ef\u4ee5\u70ba\u6295\u8cc7\u4eba\u7372\u53d6\u56de\u5831\u7684\u540c\u6642\u63d0\u4f9b\u4fdd\u5e95\u8a2d\u8a08\uff0c\u5373\u4f7f\u5728\u5e02\u5834\u74b0\u5883\u4e0d\u597d\u7684\u60c5\u6cc1\u4e0b\uff0c\u7d66\u8207\u6295\u8cc7\u4eba\u6700\u5c110%\u7684\u4fdd\u969c\u3002<\/p>\n\n\n\n<p><strong>\u70ba\u4ec0\u9ebc\u6307\u6578\u578b\u842c\u80fd\u96aa(IUL)<\/strong><strong>\u53ef\u4ee5\u505a\u5230\u4fdd\u5e95\u8a2d\u8a08\uff1f<\/strong><\/p>\n\n\n\n<p>\u7c21\u55ae\u4f86\u8aaa\uff0c\u6295\u4fdd\u4eba\u6bcf\u500b\u6708\u4e0a\u4ea4\u7684\u4fdd\u8cbb\uff0c\u5728\u6263\u9664\u4fdd\u96aa\u6210\u672c\u4e4b\u5f8c\uff0c\u81ea\u52d5\u8f49\u63db\u6210\u4e86\u201c\u73fe\u91d1\u503c\u201d\u3002\u4fdd\u96aa\u516c\u53f8\u7528\u9019\u4e00\u7b46\u9322\u53bb\u505a\u4ed6\u5011\u60f3\u8981\u505a\u7684\u6295\u8cc7\uff0c\u4f46\u662f\u8ddf\u5ba2\u6236\u7684\u904a\u6232\u898f\u5247\u662f\u6309\u7167\u6a19\u6e96\u666e\u723e\u7684\u9ede\u5c0d\u9ede\u6d6e\u52d5\u7387Annual Point to Point\uff08\u6bcf\u5e74\u9ede\u5c0d\u9ede\u56de\u5831\uff09\u7d66\u8207\u56de\u5831\u3002<\/p>\n\n\n\n<p>\u56e0\u70ba\u73fe\u91d1\u503c\u4e0d\u662f\u7528\u4f86\u8cb7\u6307\u6578\u57fa\u91d1\uff0c\u6240\u4ee5\u5c31\u7b97\u6307\u6578\u4e0b\u8dcc\u4e5f\u548c\u5ba2\u6236\u6c92\u6709\u95dc\u4fc2\u3002\u7576\u7136\u4fdd\u96aa\u516c\u53f8\u5982\u679c\u60f3\u8981\u6295\u8cc7\u5225\u7684\u5730\u65b9\u4e5f\u662f\u7531\u4fdd\u96aa\u516c\u53f8\u4e00\u529b\u627f\u64d4\uff0c\u81ea\u7136\u4e5f\u8ddf\u5ba2\u6236\u6c92\u6709\u95dc\u4fc2\u3002<\/p>\n\n\n\n<p>\u4f46\u6307\u6578\u578b\u842c\u80fd\u96aa(IUL)\u4e5f\u6709\u4e00\u500b\u9650\u5236\uff0c\u90a3\u5c31\u662f\u6bcf\u5e74\u7684\u56de\u5831\u662f\u5c01\u9802\u7684\uff0c\u6839\u64da\u4fdd\u96aa\u516c\u53f8\u7684\u4e0d\u540c\uff0c\u5c01\u9802\u9650\u5236\u4e5f\u6709\u6240\u4e0d\u540c\uff0c\u901a\u5e38\u572812%-13%\u5de6\u53f3\u3002<\/p>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u6bd4\u8f03\u5e38\u4f7f\u7528\u76849\u5bb6\u6307\u6578\u578b\u842c\u80fd\u96aa\u516c\u53f8\u6bd4\u8f03(\u5168\u7f8e\u4eba\u58fd\u3001\u74b0\u7403\u5927\u897f\u6d0b\u91d1\u878d\u96c6\u5718\u3001\u5168\u570b\u4eba\u58fd\u3001\u592a\u5e73\u6d0b\u4eba\u58fd\u3001\u5b89\u806f\u3001\u7f8e\u4e9e\u3001\u570b\u5bb6\u4eba\u58fd\u3001\u6797\u80af\u91d1\u878d\u96c6\u5718\u3001\u4fdd\u5fb7\u4fe1)\uff0c\u5168\u90e8\u4f7f\u7528\u6a19\u6e96\u666e\u723e\u6bcf\u5e74\u9ede\u5c0d\u9ede\u6307\u6578\u8cec\u865f\uff1a<\/p>\n\n\n\n<p>\u4f46\u5373\u4f7f\u5982\u6b64\uff0c\u6307\u6578\u578b\u842c\u80fd\u96aa(IUL)\u768420\u5e74\u6295\u8cc7\u56de\u5831\u7387\u4e5f\u80fd\u9ad8\u90547%-9%\uff0c\u61c2\u6295\u8cc7\u7684\u4eba\u90fd\u77e5\u9053\uff0c\u5728\u6240\u6709\u7a69\u59a5\u6295\u8cc7\u4e2d\uff0c\u9019\u7d55\u5c0d\u4e0d\u7b97\u500b\u5c0f\u6536\u76ca\u3002<\/p>\n\n\n\n<p>\u4ee5\u5168\u7f8e\u4eba\u58fd\u70ba\u4f8b\uff0c\u5b83\u7684\u6a19\u6e96\u666e\u723e\u6307\u6578IUL\u4fdd\u5e95\u70ba0.75%\uff0c\u4e0a\u9650\u662f13.75%\u3002 1999\u5e74\u6642\uff0c\u76f8\u5c0d1998\u5e74\u589e\u9577\u4e8619.53%\uff0c\u4f46\u7531\u65bc\u4e0a\u9650\u70ba13.75%\uff0c\u6240\u4ee5\u6295\u8cc7\u4eba\u62ff\u5230\u7684\u56de\u5831\u70ba13.75%\u3002<\/p>\n\n\n\n<p>\u800c\u5f80\u5f8c\u4e09\u5e74\uff0c\u56e0\u70ba\u80a1\u5e02\u5d29\u76e4\uff0c\u9023\u7e8c\u8dcc\u4e86-12.66%\u3001-10.53%\u3001-23.37%\uff0c\u4f46\u7531\u65bc\u4fdd\u5e95\u662f0.75%\uff0c\u6240\u4ee5\u6295\u8cc7\u4eba\u4e0d\u4f46\u4e0d\u9700\u8981\u8ce0\u9322\uff0c\u53cd\u800c\u4ecd\u7136\u53ef\u4ee5\u7372\u5f970.75%\u7684\u56de\u5831\u3002<\/p>\n\n\n\n<p><strong>1.<\/strong><strong>\u6307\u6578\u578b\u842c\u80fd\u96aa(IUL)<\/strong><strong>\u8cc7\u672c\u5229\u5f97\u514d\u7a05<\/strong><\/p>\n\n\n\n<p>\u4fdd\u55ae\u6301\u6709\u4eba\u4e0d\u6703\u56e0\u70ba\u4fdd\u55ae\u73fe\u91d1\u50f9\u503c\u7684\u589e\u52a0\u800c\u652f\u4ed8\u8cc7\u672c\u5229\u5f97\u7a05\uff0c\u4e5f\u5c31\u662f\u8aaa\uff0c\u6295\u4fdd\u4eba\u5b8c\u5168\u53ef\u4ee5\u628aIUL\u7576\u505a\u4e00\u500b\u5e36\u6709\u7d42\u8eab\u4fdd\u969c\u7684\u9000\u4f11\u8a08\u5283\u8cec\u6236\u3002\u53ea\u6709\u4e00\u7a2e\u72c0\u6cc1\u9664\u5916\uff0c\u5c31\u662f\u6295\u4fdd\u4eba\u4e00\u6b21\u6027\u63d0\u53d6\u51fa\u6240\u6709\u7684\u73fe\u91d1\u503c\uff0c\u653e\u68c4\u4fdd\u55ae\u3002<\/p>\n\n\n\n<p><strong>2. <\/strong><strong>\u73fe\u91d1\u50f9\u503c\u7528\u9014\u5ee3\u6cdb<\/strong><\/p>\n\n\n\n<p>\u96a8\u8457\u4fdd\u8cbb\u7684\u589e\u52a0\uff0c\u4fdd\u55ae\u7684\u73fe\u91d1\u50f9\u503c\u4e5f\u6703\u96a8\u4e4b\u589e\u52a0\u3002\u9664\u4e86\u7528\u65bc\u4e0a\u8ff0\u7684\u6295\u8cc7\u4e4b\u5916\uff0c\u6295\u8cc7\u4eba\u9084\u53ef\u4ee5\u6839\u64da\u4fdd\u55ae\u7684\u73fe\u91d1\u50f9\u503c\uff0c\u7528\u975e\u5e38\u4f4e\u7684\u5229\u606f\u5411\u4fdd\u96aa\u516c\u53f8\u8cb8\u6b3e(\u50cf\u662f\u751f\u610f\u9700\u8981\u6d41\u52d5\u8cc7\u91d1\u3001\u5b69\u5b50\u5927\u5b78\u5b78\u8cbb\u7b49)\uff0c\u6e21\u904e\u4e86\u5371\u96aa\u671f\u518d\u628a\u9322\u9084\u4e0a\uff0c\u4e0d\u6703\u5c0d\u4fdd\u55ae\u7522\u751f\u4efb\u4f55\u5f71\u97ff\u3002<\/p>\n\n\n\n<p><strong>3. <\/strong><strong>\u4fdd\u55ae\u7e73\u8cbb\u548c\u4fdd\u55ae\u9818\u53d6\u90fd\u975e\u5e38\u9748\u6d3b<\/strong><\/p>\n\n\n\n<p>\u6307\u6578\u578b\u842c\u80fd\u96aa(IUL)\u5728\u7e73\u7d0d\u4fdd\u8cbb\u7684\u6642\u5019\u975e\u5e38\u9748\u6d3b\uff0c\u53ea\u8981\u4fdd\u55ae\u4ecd\u7136\u751f\u6548\uff0c\u53ef\u4ee5\u96a8\u6642\u8abf\u6574\u7e73\u7d0d\u4fdd\u8cbb\u7684\u91d1\u984d\u548c\u6642\u9593\uff0c\u9069\u5408\u90a3\u4e9b\u6536\u5165\u4e0d\u662f\u90a3\u9ebc\u56fa\u5b9a\u7684\u975e\u5de5\u85aa\u968e\u5c64\u3002<\/p>\n\n\n\n<p>\u53e6\u5916\uff0c\u6307\u6578\u578b\u842c\u80fd\u96aa\u5f9e\u4fdd\u55ae\u4e2d\u652f\u53d6\u4e5f\u975e\u5e38\u9748\u6d3b\uff0c\u6c92\u6709\u984d\u5916\u7684\u9650\u5236\uff0c\u76f8\u6bd4401K\u6216\u8005IRA\u9019\u6a23\u7684\u9000\u4f11\u8cec\u6236\u4e00\u5b9a\u8981\u7b49\u523060\u621665\u6b72\u5f8c\u624d\u80fd\u652f\u51fa\uff0c\u5982\u679c\u63d0\u524d\u652f\u53d6\u5c07\u6703\u53d7\u5230\u7f70\u6b3e\u3002<\/p>\n\n\n\n<p><strong>4. <\/strong><strong>\u90e8\u5206IUL<\/strong><strong>\u53ef\u8207\u9577\u671f\u8b77\u7406\u96aa\u3001\u91cd\u75be\u96aa\u642d\u914d<\/strong><\/p>\n\n\n\n<p>\u5728\u7f8e\u570b\uff0c\u9577\u671f\u8b77\u7406\u662f\u4e00\u500b\u975e\u5e38\u6602\u8cb4\u7684\u904e\u7a0b\uff0c\u5f88\u591a\u4eba\u53ea\u80fd\u9078\u64c7\u653e\u68c4\u5de5\u4f5c\uff0c\u9760\u8457\u653f\u5e9c\u5fae\u8584\u7684\u88dc\u8cbc\u5728\u5bb6\u88e1\u7167\u9867\u75c5\u4eba\u3002\u4f46\u90e8\u5206IUL\u537b\u53ef\u4ee5\u642d\u914d\u9577\u671f\u8b77\u7406\u96aa\u4e00\u8d77\u8cfc\u8cb7\uff0c\u90a3\u5c31\u5b8c\u5168\u4e0d\u9700\u8981\u64d4\u5fc3\u9019\u65b9\u9762\u7684\u554f\u984c\u4e86\uff0c\u56e0\u70ba\u4fdd\u96aa\u516c\u53f8\u6703\u652f\u4ed8\u4f60\u6240\u9700\u7684\u8b77\u7406\u8cbb\u3002<\/p>\n\n\n\n<p>\u7576\u88ab\u4fdd\u4eba\u88ab\u91ab\u751f\u5224\u5b9a\u904e\u53bb12\u500b\u6708\u5167\u5728\u672a\u7372\u5f97\u5354\u52a9\u4e0b\uff0c\u7121\u6cd5\u57f7\u884c\u65e5\u5e38\u751f\u6d3b\u4e2d\u7684\u5176\u4e2d\u5169\u9805\uff1a\u6d17\u6fa1\u3001\u5927\u5c0f\u4fbf\u63a7\u5236\u3001\u7a7f\u8863\u3001\u9032\u98df\u3001\u5982\u5ec1\u548c\u4e0a\u4e0b\u884c\u52d5\uff0c\u6216\u8005\u8a8d\u77e5\u529f\u80fd\u53d7\u640d\uff0c\u5c31\u53ef\u4ee5\u63d0\u524d\u7372\u53d6\u7406\u8ce0\u3002<\/p>\n\n\n\n<p>\u9664\u6b64\u4ee5\u5916\uff0c\u6295\u4fdd\u4eba\u9084\u53ef\u4ee5\u9078\u64c7\u5982\u679c\u9078\u64c7\u8207\u91cd\u75be\u96aa\u4e00\u8d77\u8cfc\u8cb7\uff0c\u4e00\u65e6\u75c5\u4eba\u78ba\u8a3a\u70ba\u4f8b\u5982\u5fc3\u9ad2\u75c5\u548c\u5fc3\u808c\u6897\u585e\u3001\u4e2d\u98a8\u3001\u764c\u75c7\u3001\u91cd\u8981\u5668\u5b98\u79fb\u690d\u3001\u5931\u660e\u7b49\u91cd\u5927\u75be\u75c5\u6642\uff0c\u5c31\u80fd\u5920\u63d0\u524d\u7372\u5f97\u7406\u8ce0\uff0c\u5c07\u7406\u8ce0\u91d1\u7528\u4f86\u6cbb\u7642\u3002\u5916\u7c4d\u4eba\u58eb\u53ef\u4ee5\u8cb7\u5230\u6b7b\u4ea1\u7406\u8ce0\u4f46\u662f\u6c92\u8fa6\u6cd5\u8cb7\u5230\u9644\u52a0\u96aa\u7b49\u3002\u53e6\u5916\u8981\u6ce8\u610f\uff1a\u65c5\u904a\u7c3d\u8b49\u7684\u5916\u7c4d\u4eba\u58eb\u8a31\u591a\u4fdd\u96aa\u516c\u53f8\u6c92\u6709\u8fa6\u6cd5\u52a0\u4e0a\u9577\u671f\u8b77\u7406\u96aa\u548c\u91cd\u75be\u96aa\u3002<\/p>\n\n\n\n<p>\u6587\/\u9ec3\u66c9\u6771     <\/p>\n\n\n\n<p>\u6709\u95dc\u4efb\u4f55\u4eba\u58fd\u4fdd\u96aa\u554f\u984c\uff0c\u6b61\u8fce\u96fb\u8a71408-466-0233  \u6216\u96fb\u90f5dhuang@elitefig.com <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"325\" data-attachment-id=\"205411\" data-permalink=\"https:\/\/newsforchinese.com\/v3\/2021\/08\/11\/%e5%a6%82%e4%bd%95%e8%a8%88%e7%ae%97%e8%a9%b2%e8%b2%b7%e5%a4%9a%e5%b0%91%e4%bf%9d%e9%a1%8d%e7%9a%84%e5%a3%bd%e9%9a%aa%ef%bc%9f\/%e9%bb%83%e6%9b%89%e6%9d%b1-5\/\" data-orig-file=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/08\/\u9ec3\u66c9\u6771.jpg\" data-orig-size=\"250,325\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"\u9ec3\u66c9\u6771\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/08\/\u9ec3\u66c9\u6771.jpg\" src=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/08\/\u9ec3\u66c9\u6771.jpg\" alt=\"\" class=\"wp-image-205411\" srcset=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/08\/\u9ec3\u66c9\u6771.jpg 250w, https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/08\/\u9ec3\u66c9\u6771-231x300.jpg 231w\" sizes=\"auto, (max-width: 250px) 100vw, 250px\" \/><\/figure>\n\n\n\n<pre class=\"wp-block-preformatted\"><\/pre>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"biz,feature,opinion\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1630520746\"\r\n\t            data-title=\"\u8cfc\u8cb7\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u5b9a\u8981\u660e\u767d\u7684\u4e94\u5927\u6280\u5de7\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u5c0f\u7de8\u8a8d\u70ba\u5927\u773e\u5728\u9078\u8cfc\u4eba\u58fd\u4fdd\u96aa\u6642\uff0c\u4e00\u5b9a\u8981\u5148\u4e86\u89e3\u91cd\u8981\u7684\u9078\u8cfc\u6280\u5de7\uff0c\u53ef\u4ee5\u907f\u514d\u8d70\u5f4e\u8def\uff0c\u8cb7\u5230\u66f4\u9069\u5408\u81ea\u8eab\u9700\u8981\u7684\u4fdd\u96aa\u3002<\/p>\n","protected":false},"author":1,"featured_media":206427,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"episode_type":"","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[13,138,31],"tags":[],"series":[],"class_list":["post-206426","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-biz","category-feature","category-opinion"],"aioseo_notices":[],"featured_image_urls":{"medium":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/09\/\u8cfc\u8cb7\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u5b9a\u8981\u660e\u767d\u7684\u4e94\u5927\u6280\u5de7-300x149.jpg","thumbnail":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/09\/\u8cfc\u8cb7\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u5b9a\u8981\u660e\u767d\u7684\u4e94\u5927\u6280\u5de7-150x150.jpg","round-personnel-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/09\/\u8cfc\u8cb7\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u5b9a\u8981\u660e\u767d\u7684\u4e94\u5927\u6280\u5de7-400x249.jpg","small-grid-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/09\/\u8cfc\u8cb7\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u5b9a\u8981\u660e\u767d\u7684\u4e94\u5927\u6280\u5de7-400x249.jpg","post-board-1-2":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/09\/\u8cfc\u8cb7\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u5b9a\u8981\u660e\u767d\u7684\u4e94\u5927\u6280\u5de7-450x249.jpg"},"appp_media":null,"episode_featured_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/09\/\u8cfc\u8cb7\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u5b9a\u8981\u660e\u767d\u7684\u4e94\u5927\u6280\u5de7.jpg","episode_player_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2022\/11\/avatars-DFF30y5My1u3eZvX-2nXMSw-original.jpg","download_link":"","player_link":"","audio_player":false,"episode_data":{"playerMode":"dark","subscribeUrls":[],"rssFeedUrl":"https:\/\/newsforchinese.com\/v3\/feed\/podcast\/%e8%80%81%e4%b8%ad%e5%bb%a3%e6%92%ad%e9%9b%bb%e5%8f%b0","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"k8sT8YOITi\"><a href=\"https:\/\/newsforchinese.com\/v3\/2021\/09\/01\/%e8%b3%bc%e8%b2%b7%e7%be%8e%e5%9c%8b%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa%e5%ae%9a%e8%a6%81%e6%98%8e%e7%99%bd%e7%9a%84%e4%ba%94%e5%a4%a7%e6%8a%80%e5%b7%a7\/\">\u8cfc\u8cb7\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u5b9a\u8981\u660e\u767d\u7684\u4e94\u5927\u6280\u5de7<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/newsforchinese.com\/v3\/2021\/09\/01\/%e8%b3%bc%e8%b2%b7%e7%be%8e%e5%9c%8b%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa%e5%ae%9a%e8%a6%81%e6%98%8e%e7%99%bd%e7%9a%84%e4%ba%94%e5%a4%a7%e6%8a%80%e5%b7%a7\/embed\/#?secret=k8sT8YOITi\" width=\"500\" height=\"350\" title=\"&#8220;\u8cfc\u8cb7\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u5b9a\u8981\u660e\u767d\u7684\u4e94\u5927\u6280\u5de7&#8221; &#8212; News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" data-secret=\"k8sT8YOITi\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n\/*! This file is auto-generated *\/\n!function(d,l){\"use strict\";l.querySelector&&d.addEventListener&&\"undefined\"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),o=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),c=new RegExp(\"^https?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var e,t,s=l.querySelectorAll(\"iframe.wp-embedded-content\"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute(\"data-secret\"))||(t=Math.random().toString(36).substring(2,12),e.src+=\"#?secret=\"+t,e.setAttribute(\"data-secret\",t)),e.contentWindow.postMessage({message:\"ready\",secret:t},\"*\")},!1)))}(window,document);\n\/\/# sourceURL=https:\/\/newsforchinese.com\/v3\/wp-includes\/js\/wp-embed.min.js\n\/* ]]> *\/\n<\/script>\n"},"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/09\/\u8cfc\u8cb7\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u5b9a\u8981\u660e\u767d\u7684\u4e94\u5927\u6280\u5de7.jpg","jetpack-related-posts":[{"id":207468,"url":"https:\/\/newsforchinese.com\/v3\/2021\/09\/25\/%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa%e6%9c%89%e4%bb%80%e9%ba%bc%e5%8a%9f%e8%83%bd%e5%91%a2%ef%bc%9f\/","url_meta":{"origin":206426,"position":0},"title":"\u4eba\u58fd\u4fdd\u96aa\u6709\u4ec0\u9ebc\u529f\u80fd\u5462\uff1f","author":"Raymond","date":"September 25, 2021","format":false,"excerpt":"\u4eba\u58fd\u4fdd\u96aa\u6709\u4ec0\u9ebc\u529f\u80fd\u5462\uff1f\u4e14\u770b\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u7684\u50f9\u503c\u7528\u9014\u3002 \u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u7684\u529f\u80fd\u4f5c\u7528 1\u3001\u5bb6\u5ead\u4fdd\u969c \u6b63\u5982\u84cb\u623f\u5b50\u5fc5\u9808\u6253\u5730\u57fa\u4e00\u6a23\uff0c\u4eba\u58fd\u4fdd\u96aa\u662f\u505a\u5bb6\u5ead\u8ca1\u52d9\u898f\u5283\u7684\u57fa\u790e\uff0c\u5f88\u95dc\u9375\u3002\u623f\u5b50\u84cb\u5f97\u8d8a\u9ad8\u5927\uff0c\u5730\u57fa\u5c31\u8981\u6316\u5f97\u8d8a\u6df1\u539a\u3002\u6240\u4ee5\uff0c\u5982\u679c\u4f60\u6709\u623f\u5b50\u6216\u5b69\u5b50\u3001\u6216\u5169\u8005\u517c\u5177\uff0c\u4f60\u4e00\u5b9a\u8981\u6709\u8db3\u5920\u7684\u4eba\u58fd\u4fdd\u96aa\u3002\u4e8b\u5be6\u8b49\u660e\uff0c\u8cb7\u623f\u5b50\u6216\u751f\u5c0f\u5b69\u4e5f\u78ba\u5be6\u662f\u5927\u591a\u6578\u4eba\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\u7684\u4e3b\u8981\u539f\u56e0\u3002\u6709\u8db3\u5920\u7684\u4eba\u58fd\u4fdd\u96aa\u505a\u4fdd\u969c\uff0c\u4e00\u65e6\u767c\u751f\u4e0d\u6e2c\u6642\uff0c\u53ef\u4ee5\u4fdd\u8b49\u914d\u5076\u548c\u5b69\u5b50\u4ee5\u5f8c\u7684\u751f\u6d3b\u4e0d\u53d7\u5f71\u97ff\u3002 2\u3001\u4eba\u58fd\u4fdd\u96aa\u662f\u7a4d\u7d2f\u8cc7\u91d1\u7684\u4e00\u7a2e\u65b9\u5f0f \u7d42\u8eab\u58fd\u96aa\u90fd\u6709\u73fe\u91d1\u50f9\u503c\u3002\u4e00\u65e6\u51fa\u4e8b\uff0c\u5bb6\u4eba\u53ef\u4ee5\u62ff\u5230\u8eab\u6545\u8ce0\u511f\u91d1\uff1b\u5982\u679c\u4e0d\u51fa\u4e8b\uff0c\u5728\u9700\u8981\u6642\u53ef\u628a\u73fe\u91d1\u53d6\u51fa\u4f86\uff0c\u4f5c\u70ba\u5b50\u5973\u7684\u5927\u5b78\u6559\u80b2\u57fa\u91d1\u6216\u88dc\u5145\u9000\u4f11\u6536\u5165\u3002 3\u3001\u4eba\u58fd\u4fdd\u96aa\u7b49\u65bc\u5f37\u8feb\u5132\u84c4\u6216\u6295\u8cc7\u3002 \u7f8e\u570b\u662f\u500b\u6d88\u8cbb\u5927\u570b\uff0c\u4eba\u5011\u82b1\u9322\u65e9\u5df2\u6210\u70ba\u7fd2\u6163\u751a\u81f3\u4e0a\u766e\uff0c\u5b58\u9322\u7684\u7fd2\u6163\u537b\u6c92\u6709\uff0c\u628a\u9322\u62ff\u4f86\u5b58\u5728\u4f60\u7684\u58fd\u96aa\u4fdd\u55ae\u88e1\uff0c\u6bcf\u6708\u4fdd\u8cbb\u56fa\u5b9a\u5f9e\u4f60\u9280\u884c\u8cec\u6236\u5283\u51fa\uff0c\u7b49\u65bc\u5f37\u8feb\u4f60\u5132\u84c4\u3002 4\u3001\u4eba\u58fd\u4fdd\u96aa\u6709\u7a05\u52d9\u4e0a\u7684\u512a\u52e2 \u4eba\u58fd\u4fdd\u96aa\u7684\u73fe\u91d1\u503c\u662f\u5229\u6efe\u5229\u7684\u6536\u76ca\uff0c\u9019\u500b\u6536\u76ca\u4e0d\u7528\u7e73\u7a05\uff1b\u5728\u4fdd\u55ae\u6709\u6548\u6642\u53d6\/\u501f\u73fe\u91d1\u51fa\u4f86\u4f7f\u7528\uff0c\u4e5f\u6c92\u6709\u7a05\uff1b\u5982\u679c\u4eba\u53bb\u4e16\u4e86\uff0c\u8eab\u6545\u8ce0\u511f\u91d1\u4ecd\u7136\u4e0d\u7528\u7e73\u6240\u5f97\u7a05\u3002\u82e5\u628a\u4eba\u58fd\u4fdd\u96aa\u8a2d\u7f6e\u6210\u300e\u4e0d\u53ef\u64a4\u92b7\u7684\u4fe1\u8a17\u300f\uff0c\u5176\u6b7b\u4ea1\u7406\u8ce0\u4e5f\u4e0d\u7528\u7e73\u907a\u7522\u7a05\u3002\u5728\u67d0\u4e9b\u5408\u683c\u7684\u990a\u8001\u8a08\u5283\u5982 Defined Benefit\uff0c\u4fdd\u8cbb\u9084\u53ef\u4ee5\u62b5\u7a05\u3002 5\u3001\u7d42\u8eab\u4eba\u58fd\u4fdd\u96aa\u662f\u70ba\u5b50\u5973\u5132\u5099\u6559\u80b2\u57fa\u91d1\u7684\u6709\u6548\u5de5\u5177 \u4eba\u58fd\u4fdd\u55ae\u88e1\u7684\u73fe\u91d1\u503c\u4e0d\u8a08\u5165\u8cc7\u7522\uff0c\u56e0\u800c\u4e0d\u6703\u5f71\u97ff\u5230\u5b69\u5b50\u7533\u8acb\u5927\u5b78\u8cc7\u52a9\u91d1\uff0c\u9019\u5c0d\u65bc\u9700\u8981\u7533\u8acb\u653f\u5e9c\u5927\u5b78\u52a9\u5b78\u91d1\u7684\u5bb6\u5ead\u81f3\u95dc\u91cd\u8981\u3002 6\u3001\u4eba\u58fd\u4fdd\u96aa\u7684\u73fe\u91d1\u503c\u548c\u8eab\u6545\u8ce0\u511f\u91d1\u4e0d\u53d7\u50b5\u4e3b\u7684\u8ffd\u8a0e\u3001\u4e0d\u53d7\u5b98\u53f8\u7684\u8ffd\u7d22 \u6536\u5165\u9ad8\u98a8\u96aa\u4e5f\u9ad8\u7684\u884c\u696d\uff0c\u6bd4\u5982\u91ab\u751f\uff0c\u90fd\u9858\u610f\u8cb7\u5f88\u591a\u4eba\u58fd\u4fdd\u96aa\uff0c\u5c31\u56e0\u70ba\u4eba\u58fd\u4fdd\u96aa\u662f\u8cc7\u7522\u4fdd\u8b77\u7684\u6709\u529b\u6b66\u5668\u3002\u8fd1\u5e7e\u5e74\u6709\u4e0d\u5c11\u4e2d\u570b\u5927\u9678\u5bcc\u4eba\u5230\u7f8e\u570b\u82b1\u91cd\u91d1\u8cb7\u4eba\u58fd\u4fdd\u96aa\uff0c\u4e5f\u662f\u770b\u6e96\u4e86\u58fd\u96aa\u4e0d\u53d7\u50b5\u4e3b\u8ffd\u8a0e\u3001\u4e0d\u53d7\u5b98\u53f8\u8ffd\u7d22\u7684\u7279\u6027\u3002 7\u3001\u4eba\u58fd\u4fdd\u96aa\u662f\u907a\u7522\u898f\u5283\u5fc5\u4e0d\u53ef\u5c11\u3001\u6700\u7d93\u6fdf\u6709\u6548\u7684\u5de5\u5177 \u82e5\u7e3d\u907a\u7522\u8d85\u904e545\u842c\uff0c\u8d85\u51fa\u7684\u90e8\u5206\u5c31\u8981\u4ed8\u9ad8\u905440%\u7684\u907a\u7522\u7a05\uff0c\u9019\u9650\u984d\u6bcf\u5e74\u90fd\u6703\u8b8a\u3002\u570b\u7a05\u5c40(IRS)\u8981\u6c42\u4eba\u904e\u4e16\u5f8c9\u500b\u6708\uff0c\u7e7c\u627f\u4eba\u9808\u7e73\u6e05\u907a\u7522\u7a05\uff0c\u800c\u4e14\u53ea\u8981\u73fe\u91d1\uff0c\u4e0d\u8981\u623f\u5730\u7522\uff01\u5982\u679c\u4f60\u6709\u4eba\u58fd\u4fdd\u96aa\uff0c\u5169\u661f\u671f\u5c31\u53ef\u62ff\u5230\u73fe\u91d1\uff0c\u4e14\u6c92\u6709\u6240\u5f97\u7a05\uff0c\u653e\u5728\u300e\u4e0d\u53ef\u64a4\u6d88\u7684\u4fe1\u8a17 (\u59d4\u8a17\u4eba\u901a\u904e\u8a2d\u7acb\u4fe1\u8a17, \u4fdd\u8b77\u8cc7\u7522\u4e0d\u88ab\u50b5\u6b0a\u4eba\u4fb5\u72af\u7684\u4e00\u7a2e\u5f62\u5f0f)\u300f\u4e2d\u4e5f\u6c92\u6709\u907a\u7522\u7a05\uff0c\u9019\u4e9b\u514d\u7a05\u7279\u6027\u662f\u4f60\u7684\u4efb\u4f55\u5176\u5b83\u985e\u578b\u7684\u6295\u8cc7\u90fd\u7121\u6cd5\u5ab2\u7f8e\u7684\u3002\u4f5c\u907a\u7522\u898f\u5283\u7684\u4eba\uff0c\u90fd\u516c\u8a8d\u4eba\u58fd\u4fdd\u96aa\u662f\u6295\u5165\u6700\u5c11\u3001\u7522\u51fa\u6700\u5927\u7684\u4e00\u7a2e\u6295\u8cc7\u3002 \u6587\/\u9ec3\u66c9\u6771 408-466-0233\u3000\u3000\u96fb\u90f5\uff1adhuang@elitefig.com","rel":"","context":"In &quot;\u5546\u60c5\u5831\u5c0e&quot;","block_context":{"text":"\u5546\u60c5\u5831\u5c0e","link":"https:\/\/newsforchinese.com\/v3\/category\/biz\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/09\/%E4%BA%BA%E5%A3%BD%E4%BF%9D%E9%9A%AA%E6%9C%89%E4%BB%80%E9%BA%BC%E5%8A%9F%E8%83%BD%E5%91%A2%EF%BC%9F%E4%B8%94%E7%9C%8B%E7%BE%8E%E5%9C%8B%E4%BA%BA%E5%A3%BD%E4%BF%9D%E9%9A%AA%E7%9A%84%E5%83%B9%E5%80%BC%E7%94%A8%E9%80%94.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/09\/%E4%BA%BA%E5%A3%BD%E4%BF%9D%E9%9A%AA%E6%9C%89%E4%BB%80%E9%BA%BC%E5%8A%9F%E8%83%BD%E5%91%A2%EF%BC%9F%E4%B8%94%E7%9C%8B%E7%BE%8E%E5%9C%8B%E4%BA%BA%E5%A3%BD%E4%BF%9D%E9%9A%AA%E7%9A%84%E5%83%B9%E5%80%BC%E7%94%A8%E9%80%94.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/09\/%E4%BA%BA%E5%A3%BD%E4%BF%9D%E9%9A%AA%E6%9C%89%E4%BB%80%E9%BA%BC%E5%8A%9F%E8%83%BD%E5%91%A2%EF%BC%9F%E4%B8%94%E7%9C%8B%E7%BE%8E%E5%9C%8B%E4%BA%BA%E5%A3%BD%E4%BF%9D%E9%9A%AA%E7%9A%84%E5%83%B9%E5%80%BC%E7%94%A8%E9%80%94.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":205106,"url":"https:\/\/newsforchinese.com\/v3\/2021\/08\/04\/%e7%b5%a6%e5%ad%a9%e5%ad%90%e8%b2%b7%e7%be%8e%e5%9c%8b%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa%ef%bc%8c%e6%9c%89%e4%ba%94%e5%a4%a7%e5%84%aa%e5%8b%a2\/","url_meta":{"origin":206426,"position":1},"title":"\u7d66\u5b69\u5b50\u8cb7\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\uff0c\u6709\u4e94\u5927\u512a\u52e2","author":"Raymond","date":"August 4, 2021","format":false,"excerpt":"\u6211\u5011\u767c\u73fe\u597d\u591a\u5ba2\u6236\u90fd\u7279\u5225\u60f3\u7d66\u81ea\u5df1\u5728\u7f8e\u8b80\u66f8\u6216\u5de5\u4f5c\u7684\u5b69\u5b50\u914d\u7f6e\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\uff0c\u9019\u4e9b\u5b69\u5b50\u8981\u4e48\u5df2\u6709\u7f8e\u570b\u8b77\u7167\uff0c\u8981\u4e48\u5df2\u62ff\u5230\u7da0\u5361\u6216\u6b63\u5728\u8fa6\u7406\u7da0\u5361\u7684\u904e\u7a0b\u4e2d\uff0c\u53ea\u8981\u7236\u6bcd\u6709\u7d93\u6fdf\u80fd\u529b\uff0c\u7d66\u5b69\u5b50\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\u5f88\u6709\u5fc5\u8981\u3002 \u5728\u6b64\uff0c\u6211\u5011\u9700\u8981\u5f37\u8abf\u4e00\u9ede\uff1a\u5982\u679c\u7236\u6bcd\u7d66\u81ea\u5df1\u5e74\u5e7c\u7684\u7f8e\u570b\u51fa\u751f\u5bf6\u5bf6\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\uff0c\u524d\u63d0\u689d\u4ef6\u662f\u7236\u6bcd\u5df2\u914d\u7f6e\u4e86\u4eba\u58fd\u4fdd\u55ae\uff0c\u5b69\u5b50\u7684\u4fdd\u984d\u53ea\u80fd\u70ba\u7236\u6bcd\u4fdd\u984d\u7684\u4e00\u534a\u6216\u4fdd\u984d50\u842c\u7f8e\u5143\uff0c\u4e8c\u8005\u53d6\u5176\u4f4e\u3002\u9664\u6b64\u4e4b\u5916\uff0c\u4e0d\u540c\u4fdd\u96aa\u516c\u53f8\u9084\u6709\u5176\u5177\u9ad4\u7684\u898f\u5b9a\u3002 \u4e0b\u9762\u6211\u5011\u8aaa\u4e00\u8aaa\u7d66\u5b69\u5b50\u914d\u7f6e\u4eba\u58fd\u4fdd\u96aa\u7684\u512a\u52e2\uff1a \u8a31\u591a\u65b0\u79fb\u6c11\u7684\u5bb6\u9577\u9577\u671f\u751f\u6d3b\u5728\u570b\u5167\uff0c\u5c0d\u7f8e\u570b\u91d1\u878d\u7522\u54c1\u4e86\u89e3\u5f97\u751a\u5c11\uff0c\u4e0d\u6562\u76f2\u76ee\u6295\u8cc7\uff0c\u628a\u7f8e\u5143\u653e\u5728\u9280\u884c\u8cec\u6236\u7522\u751f\u7684\u5229\u606f\u5f88\u5c11\uff0c\u6263\u9664\u6bcf\u5e74\u8cec\u6236\u7ba1\u7406\u8cbb\u548c\u5229\u606f\u7a05\u7b49\u984d\u5916\u652f\u51fa\uff0c\u6240\u5f97\u7684\u9280\u884c\u5b58\u6b3e\u7684\u6536\u76ca\u5f88\u6709\u9650\uff0c\u9084\u8981\u5c0d\u6297\u901a\u8ca8\u81a8\u8139\u3002\u9078\u64c7\u7d66\u5b69\u5b50\u914d\u7f6e\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\uff0c\u65e2\u80fd\u5206\u4eab\u7f8e\u570b\u8cc7\u672c\u5e02\u5834\u7684\u589e\u9577\u7d05\u5229\uff0c\u53c8\u7d66\u5b69\u5b50\u591a\u4e00\u4efd\u4fdd\u969c\u3002 \u591a\u4e00\u7a2e\u85cf\u9322\u7684\u8fa6\u6cd5\uff0c\u5982\u679c\u6709\u7d93\u6fdf\u5be6\u529b\uff0c\u5bb6\u9577\u5728\u7d66\u81ea\u5df1\u914d\u7f6e\u4fdd\u55ae\u4e4b\u5f8c\uff0c\u518d\u7d66\u5b69\u5b50\u914d\u7f6e\u4eba\u58fd\u4fdd\u55ae\uff0c\u4e0d\u50c5\u70ba\u6bcf\u500b\u4eba\u63d0\u4f9b\u4e86\u4fdd\u969c\uff0c\u9084\u4e0d\u5f71\u97ff\u5b69\u5b50\u62ff\u52a9\u5b78\u91d1\uff0c\u56e0\u70ba\u4eba\u58fd\u4fdd\u55ae\u4e0d\u7b97\u4f5c\u5bb6\u5ead\u8cc7\u7522\uff0c\u7533\u8acb\u52a9\u5b78\u8cb8\u6b3e\u6642\u4e0d\u7528\u8003\u616e\u4eba\u58fd\u4fdd\u96aa\u7684\u50f9\u503c\u3002 \u70ba\u5b69\u5b50\u914d\u7f6e\u4eba\u58fd\u4fdd\u96aa\uff0c\u5b69\u5b50\u5e74\u8f15\uff0c\u4fdd\u8cbb\u4f4e\uff0c\u69d3\u687f\u9ad8\u3002\u53e6\u5916\uff0c\u63d0\u65e9\u914d\u7f6e\uff0c\u4ee5\u9632\u5b69\u5b50\u672a\u4f86\u8eab\u9ad4\u51fa\u73fe\u75be\u60a3\uff0c\u55aa\u5931\u6295\u4fdd\u7684\u8cc7\u683c\u3002 \u5b69\u5b50\u7684\u672a\u4f86\u9700\u8981\u8cc7\u91d1\u7684\u5730\u65b9\u6578\u4e0d\u6e05\uff0c\u4e26\u4e14\u5b69\u5b50\u7d42\u7a76\u4e5f\u8981\u5efa\u7acb\u81ea\u5df1\u7684\u5bb6\u5ead\uff0c\u4f5c\u70ba\u7236\u6bcd\u5728\u6709\u7d93\u6fdf\u80fd\u529b\u6642\uff0c\u70ba\u5b69\u5b50\u914d\u7f6e\u4eba\u58fd\u4fdd\u96aa\u5c31\u662f\u5c0d\u5b69\u5b50\u7684\u672a\u4f86\u9032\u884c\u8cc7\u7522\u898f\u5283\uff0c\u610f\u7fa9\u91cd\u5927\u3002 \u7d66\u5b69\u5b50\u914d\u7f6e\u4eba\u58fd\u4fdd\u96aa\uff0c\u76f8\u7576\u65bc\u5bb6\u9577\u5728\u7d66\u5b69\u5b50\u9032\u884c\u514d\u7a05\u7684\u589e\u503c\u5132\u84c4\u7406\u8ca1\uff0c\u5176\u7a05\u52d9\u512a\u52e2\u548c\u898f\u907f\u98a8\u96aa\u7684\u529f\u80fd\uff0c\u662f\u5176\u5b83\u8cc7\u7522\u7121\u6cd5\u66ff\u4ee3\u7684\u3002\u6bd4\u5982\u597d\u591a\u5bb6\u9577\u5728\u7f8e\u570b\u8cfc\u7f6e\u4e86\u623f\u7522\uff0c\u623f\u7522\u4f5c\u70ba\u8cc7\u7522\u914d\u7f6e\u4e2d\u5fc5\u4e0d\u53ef\u5c11\u7684\u7a2e\u985e\uff0c\u4e5f\u4e0d\u80fd\u7121\u9650\u91cf\u5730\u914d\u7f6e\uff0c\u56e0\u70ba\u6211\u5011\u4e0d\u5f97\u4e0d\u8003\u616e\u623f\u7522\u7684\u7a05\u8ca0\u548c\u6301\u6709\u6210\u672c\uff0c\u9019\u5fc5\u9808\u8981\u7528\u4eba\u58fd\u4fdd\u96aa\u7684\u7a05\u52d9\u512a\u52e2\u4f86\u5c0d\u6c96\u3002 \u6587\/\u9ec3\u66c9\u6771 408-466-0233 dhuang@elitefig.com","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\/2021\/08\/Investment-Account-For-Child.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/08\/Investment-Account-For-Child.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/08\/Investment-Account-For-Child.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":211513,"url":"https:\/\/newsforchinese.com\/v3\/2021\/12\/08\/%e6%8f%ad%e7%a7%98%e6%96%b0%e5%86%a0%e7%97%85%e6%af%92%e7%be%8e%e5%9c%8b%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa%e7%9a%84%e7%9c%9f%e5%af%a6%e9%9d%a2%e8%b2%8c\/","url_meta":{"origin":206426,"position":2},"title":"\u63ed\u79d8\u65b0\u51a0\u75c5\u6bd2\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u7684\u201c\u771f\u5be6\u9762\u8c8c\u201d","author":"Raymond","date":"December 8, 2021","format":false,"excerpt":"\u76f8\u4fe1\u5f88\u591a\u4eba\u90fd\u80fd\u731c\u5230\uff0c\u65b0\u51a0\u75c5\u6bd2\u5927\u6d41\u884c\u7684\u51fa\u73fe\u8b93\u8a31\u591a\u6d88\u8cbb\u8005\u628a\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\u5217\u70ba\u6700\u9996\u8981\u4efb\u52d9\u3002\u4e8b\u5be6\u4e0a\uff0c\u8a31\u591a\u4fdd\u96aa\u516c\u53f8\u90fd\u5df2\u7d93\u8a3b\u610f\u5230\uff0c\u5b83\u5011\u5728\u904e\u53bb\u4e00\u5e74\u4e2d\u92b7\u552e\u7684\u4eba\u58fd\u4fdd\u96aa\u4fdd\u55ae\u6578\u91cf\u7adf\u51fa\u73fe\u4e86\u5169\u4f4d\u6578\u7684\u589e\u9577\uff01 \u6578\u64da\u986f\u793a\uff0c\u5728\u65b0\u51a0\u75c5\u6bd2\u4e4b\u524d\uff0c\u53ea\u6709\u8d85\u904e\u4e00\u534a\u7684\u7f8e\u570b\u6210\u5e74\u4eba\u7a31\u64c1\u6709\u4eba\u58fd\u4fdd\u96aa\u4fdd\u55ae\uff0c\u4fdd\u55ae\u6578\u91cf\u4f4e\u65bc\u5341\u5e74\u524d\u7684 63%\u3002\u6beb\u7121\u7591\u554f\uff0c\u4eba\u58fd\u4fdd\u96aa\u7684\u8907\u8607\u7d66 2021 \u5e74\u53ca\u4ee5\u5f8c\u7684\u6574\u500b\u884c\u696d\u5e36\u4f86\u4e86\u91cd\u5927\u8b8a\u5316\u3002\u4eca\u5929\uff0c\u6211\u5011\u5c31\u4f86\u770b\u770b\u65b0\u51a0\u75c5\u6bd2\u5f8c\u7684\u4eba\u58fd\u4fdd\u96aa\u8da8\u52e2\uff01 \u524d\u8a00 \u52d5\u76ea\u6642\u671f\u589e\u52a0\u7684\u92b7\u552e\u984d \u5c0d\u75ab\u60c5\u7684\u6050\u61fc\u4e00\u76f4\u662f\u4eba\u58fd\u4fdd\u96aa\u92b7\u552e\u66b4\u589e\u7684\u4e3b\u8981\u56e0\u7d20\u3002 COVID-19 \u5c0e\u81f4\u8a31\u591a\u6d88\u8cbb\u8005\u5f37\u70c8\u610f\u8b58\u5230\u8207\u56b4\u91cd\u75be\u75c5\u548c\u6b7b\u4ea1\u76f8\u95dc\u7684\u8ca1\u52d9\u98a8\u96aa\u3002\u56e0\u6b64\u4e0d\u51fa\u610f\u5916\uff0c\u4eba\u58fd\u4fdd\u96aa\u63a5\u4e0b\u4f86\u7684\u5e7e\u5e74\u90fd\u6703\u5728\u6709\u6240\u589e\u52a0\u3002\u6578\u64da\u986f\u793a\uff0c32% \u7684\u6d88\u8cbb\u8005\u8868\u793a\u4ed6\u5011\u66f4\u6709\u53ef\u80fd\u70ba\u9810\u9632\u611f\u67d3\u75c5\u6bd2\u800c\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\uff0c42% \u7684\u6d88\u8cbb\u8005\u8868\u793a\u4ed6\u5011\u66f4\u6709\u53ef\u80fd\u56e0\u70ba\u611f\u67d3\u4e86 COVID \u800c\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\u3002\u75ab\u60c5\u66f4\u662f\u589e\u52a0\u4e86\u8a31\u591a\u73fe\u6709\u4fdd\u55ae\u6301\u6709\u4eba\u5c0d\u4eba\u58fd\u4fdd\u96aa\u66f4\u5927\u7684\u8208\u8da3\uff0c\u4ed6\u5011\u8868\u793a\u8a8d\u70ba\u81ea\u5df1\u6c92\u6709\u8cfc\u8cb7\u8986\u84cb\u7bc4\u570d\u8db3\u5920\u7684\u4fdd\u96aa\u3002\u7f8e\u570b\u58fd\u96aa\u71df\u92b7\u5354\u6703LIMRA \u5831\u544a\u7a31\uff0c\u7531\u65bc\u75ab\u60c5\uff0c20% \u7684\u5ba2\u6236\u6b63\u5728\u8003\u616e\u589e\u52a0\u8986\u84cb\u7bc4\u570d\u3002\u6050\u61fc\u6fc0\u767c\u4e86\u4eba\u5011\u5c0d\u58fd\u96aa\u4fdd\u55ae\u7684\u5ee3\u6cdb\u8208\u8da3\uff0c\u73fe\u5982\u4eca\u4fdd\u96aa\u516c\u53f8\u5438\u5f15\u7684\u65b0\u5ba2\u6236\u6578\u91cf\u5be6\u73fe\u6301\u7e8c\u589e\u9577\u3002 \u4eba\u58fd\u4fdd\u96aa\u696d\u7684\u6d88\u8cbb\u8005\u4eba\u53e3\u7d50\u69cb\u8b8a\u5316 \u81ea\u75ab\u60c5\u958b\u59cb\u4ee5\u4f86\uff0c\u6d88\u8cbb\u8005\uff0c\u5c24\u5176\u662f\u5e74\u8f15\u4eba\uff0c\u8cfc\u8cb7\u4fdd\u96aa\u7684\u4eba\u6578\u6bd4\u4efb\u4f55\u5176\u4ed6\u5e74\u9f61\u6bb5\u7684\u4eba\u90fd\u591a\u3002 44 \u6b72\u4ee5\u4e0b\u5e74\u9f61\u7d44\u7684\u4eba\u58fd\u4fdd\u96aa\u7533\u8acb\u589e\u52a0\u4e86 13%\uff0c\u800c 45 \u81f3 59 \u6b72\u7684\u4eba\u58fd\u4fdd\u96aa\u7533\u8acb\u589e\u52a0\u4e86 9%\uff0c60 \u6b72\u4ee5\u4e0a\u7684\u4eba\u58fd\u4fdd\u96aa\u7533\u8acb\u589e\u52a0\u4e86 0.4%\u3002\u8f03\u5e74\u8f15\u7684\u6210\u5e74\u4eba\u66f4\u6709\u53ef\u80fd\u8981\u64d4\u5fc3\u5b69\u5b50\uff0c\u9084\u6709\u66f4\u591a\u7684\u672a\u511f\u9084\u62b5\u62bc\u8cb8\u6b3e\u6216\u5b78\u751f\u50b5\u52d9\u9700\u8981\u652f\u4ed8\u3002\u8207\u5e74\u9577\u8005\u76f8\u6bd4\uff0c\u5e74\u8f15\u4eba\u7684\u5931\u696d\u7387\u76f8\u6bd4\u66f4\u9ad8\uff0c\u56e0\u6b64\u4ed6\u5011\u53ef\u80fd\u8cfc\u8cb7\u4e86\u500b\u4eba\u4fdd\u96aa\u4ee5\u5f4c\u88dc\u96c7\u4e3b\u8d0a\u52a9\u7684\u5718\u9ad4\u4fdd\u96aa\u7684\u640d\u5931\u3002\u56e0\u6b64\u4fdd\u96aa\u516c\u53f8\u4e5f\u4e0d\u9700\u8981\u8cbb\u52c1\u8166\u6c41\u4f86\u8aaa\u670d\u8a31\u591a\u5e74\u8f15\u4eba\u4eba\u58fd\u4fdd\u96aa\u4fdd\u55ae\u7684\u91cd\u8981\u6027\u3002\u5118\u7ba1\u5982\u6b64\uff0c\u5c31\u9577\u9060\u4f86\u770b\uff0c\u4fdd\u96aa\u516c\u53f8\u4ecd\u9700\u8981\u8abf\u6574\u7522\u54c1\u7a2e\u985e\u548c\u6d41\u7a0b\uff0c\u4ee5\u7e7c\u7e8c\u5438\u5f15\u66f4\u591a\u65b0\u4e00\u4ee3\u6d88\u8cbb\u8005\uff01 \u4eba\u58fd\u4fdd\u96aa\u4e2d\u5229\u7528\u7684\u65b0\u6280\u8853\u548c\u6578\u64da\u5206\u6790 \u75ab\u60c5\u5f15\u767c\u4e86\u4eba\u5011\u5c0d\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\u7684\u8208\u8da3\uff0c\u4f46\u7533\u8acb\u4eba\u5e0c\u671b\u80fd\u5920\u66f4\u7c21\u55ae\u7684\u8cfc\u8cb7\u4fdd\u96aa\u3002 50% \u7684\u6d88\u8cbb\u8005\u8868\u793a\uff0c\u4ed6\u5011\u66f4\u6709\u53ef\u80fd\u901a\u904e\u81ea\u52d5\u5316\u6216\u7c21\u5316\u7684\u627f\u4fdd\u65b9\u5f0f\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\uff0c\u800c\u4e0d\u662f\u901a\u904e\u66f4\u8017\u6642\u548c\u66f4\u50b3\u7d71\u7684\u6d41\u7a0b\u3002\u56e0\u6b64\uff0c\u4fdd\u96aa\u516c\u53f8\u6b63\u5728\u8f49\u5411\u6578\u64da\u5206\u6790\u3001\u5927\u6578\u64da\u3001\u9810\u6e2c\u6a21\u578b\u3001\u4eba\u5de5\u667a\u80fd\u548c\u6a5f\u5668\u5b78\u7fd2\uff0c\u4ee5\u7c21\u5316\u5176\u627f\u4fdd\u6d41\u7a0b\u4e26\u66f4\u6709\u6548\u5730\u5206\u985e\u98a8\u96aa\u3002\u7f8e\u570b\u56db\u5206\u4e4b\u4e09\u7684\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u64c1\u6709\u67d0\u7a2e\u985e\u578b\u7684\u81ea\u52d5\u5316\u6216\u52a0\u901f\u627f\u4fdd\u6d41\u7a0b\u3002\u5feb\u901f\u6e96\u78ba\u7684\u81ea\u52d5\u5316\u53ef\u4ee5\u7e2e\u77ed\u627f\u4fdd\u548c\u7d22\u8ce0\u6c7a\u7b56\u7684\u5468\u8f49\u6642\u9593\uff0c\u540c\u6642\u6e1b\u5c11\u4eba\u5de5\u5e72\u9810\u7684\u9700\u8981\u3002\u5c55\u671b\u672a\u4f86\uff0c\u667a\u80fd\u81ea\u52d5\u5316\u5c07\u6210\u70ba\u5be6\u73fe\u6210\u672c\u6548\u76ca\u548c\u6eff\u8db3\u6d88\u8cbb\u8005\u671f\u671b\u7684\u5feb\u901f\u904b\u71df\u6d41\u7a0b\u7684\u95dc\u9375\u6210\u529f\u56e0\u7d20\u3002 \u6578\u5b57\u5316\u8b70\u7a0b\u7684\u52a0\u901f \u75c5\u6bd2\u7684\u9650\u5236\u3001\u4e0d\u65b7\u8b8a\u5316\u7684\u4eba\u53e3\u7d50\u69cb\u548c\u6280\u8853\u7684\u767c\u5c55\u6c38\u9060\u6539\u8b8a\u4e86\u6d88\u8cbb\u8005\u5c0d\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u7684\u671f\u671b\u3002\u73fe\u5728\uff0c\u6d88\u8cbb\u8005\u6bd4\u4ee5\u5f80\u4efb\u4f55\u6642\u5019\u90fd\u66f4\u52a0\u5c0b\u6c42\u4eba\u58fd\u4fdd\u96aa\u7522\u54c1\u7684\u6613\u7528\u6027\u3001\u901f\u5ea6\u3001\u500b\u6027\u5316\u548c\u9078\u64c7\u3002\u81ea\u75ab\u60c5\u958b\u59cb\u4ee5\u4f86\uff0c\u53ea\u6709\u4e0d\u5230\u4e09\u5206\u4e4b\u4e00\u7684\u5ba2\u6236\u89aa\u81ea\u524d\u5f80\u4fdd\u96aa\u516c\u53f8\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u5728\u4e4b\u524d\u89aa\u81ea\u524d\u5f80\u4fdd\u96aa\u516c\u53f8\u8aee\u8a62\u4f75\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\u55ae\u7684\u6bd4\u4f8b\u70ba 44%\u3002 \u5728\u6574\u500b\u4eba\u58fd\u4fdd\u96aa\u884c\u696d\uff0c\u516c\u53f8\u6b63\u5728\u63a2\u7d22\u65b0\u6280\u8853\uff0c\u4ee5\u5275\u9020\u65b0\u7684\u6a21\u578b\u3001\u5de5\u5177\u548c\u6700\u4f73\u7684\u6578\u5b57\u9ad4\u9a57\u3002 85% \u7684\u4fdd\u96aa\u696d CEO \u8868\u793a COVID-19 \u52a0\u901f\u4e86\u4ed6\u5011\u904b\u71df\u7684\u6578\u5b57\u5316\uff0c78% \u7684\u4eba\u8868\u793a\u5b83\u5728\u5275\u5efa\u6578\u5b57\u5ba2\u6236\u9ad4\u9a57\u65b9\u9762\u53d6\u5f97\u4e86\u98db\u901f\u9032\u5c55\u3002\u5f9e\u73fe\u5728\u958b\u59cb\uff0c\u4fdd\u96aa\u516c\u53f8\u9700\u8981\u7e7c\u7e8c\u52a0\u5feb\u6578\u5b57\u5316\u8b70\u7a0b\uff0c\u4e26\u5728\u6d88\u8cbb\u8005\u7684\u624b\u6a5f\u548c\u96fb\u8166\u88e1\u63d0\u4f9b\u66f4\u5feb\u6377\u7684\u670d\u52d9\u3002 \u7d50\u8a9e \u6211\u5011\u9010\u6f38\u9069\u61c9\u4e86\u5f8c\u75ab\u60c5\u6642\u4ee3\u7684\u751f\u6d3b\uff0c\u4e16\u754c\u4e5f\u4e0d\u6703\u6062\u5fa9\u52302019\u5e74\u4e4b\u524d\u7684\u6a23\u5b50\u3002\u4eba\u58fd\u4fdd\u96aa\u696d\u7684\u92b7\u91cf\u5c07\u5728\u77ed\u6642\u9593\u5167\u7e7c\u7e8c\u589e\u9577\uff0c\u4f46\u4e0d\u65b7\u8b8a\u5316\u7684\u4eba\u53e3\u7d50\u69cb \uff0c\u65b0\u6280\u8853\u7684\u51fa\u73fe\u548c\u52a0\u901f\u6578\u5b57\u8b70\u7a0b\u624d\u662f\u672a\u4f86\u7684\u767c\u5c55\u8da8\u52e2\u3002\u6211\u5011\u770b\u5230\u5728\u77ed\u77ed\u5e7e\u500b\u6708\u5167\u51fa\u73fe\u4e86\u524d\u6240\u672a\u6709\u7684\u5927\u898f\u6a21\u884c\u696d\u9032\u6b65\u7684\u8de1\u8c61\uff0c\u70ba\u4e86\u4fdd\u6301\u7af6\u722d\u529b\uff0c\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u9700\u8981\u4e0d\u65b7\u5be9\u8996\u5f62\u52e2\u3001\u628a\u63e1\u6a5f\u6703\uff0c\u4e26\u5229\u7528\u7576\u524d\u7684\u52e2\u982d\u4e0d\u65b7\u958b\u767c\u5de5\u5177\u548c\u6a21\u578b\uff0c\u4ee5\u5438\u5f15\u66f4\u591a\u7684\u65b0\u53d7\u773e\u548c\u8001\u5ba2\u6236\u3002 \u8cc7\u6599\u4f86\u6e90\/\u9ec3\u66c9\u6771 \u00a0408-466-0233 dhuang@elitefig,com","rel":"","context":"In &quot;\u5546\u60c5\u5831\u5c0e&quot;","block_context":{"text":"\u5546\u60c5\u5831\u5c0e","link":"https:\/\/newsforchinese.com\/v3\/category\/biz\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/11\/coronavirus-2.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/11\/coronavirus-2.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/11\/coronavirus-2.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":209205,"url":"https:\/\/newsforchinese.com\/v3\/2021\/10\/30\/%e7%be%8e%e5%9c%8b%e8%b2%b7%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa%e7%9a%84%e5%b9%be%e5%a4%a7%e8%aa%a4%e5%8d%80\/","url_meta":{"origin":206426,"position":3},"title":"\u7f8e\u570b\u8cb7\u4eba\u58fd\u4fdd\u96aa\u7684\u5e7e\u5927\u8aa4\u5340","author":"Raymond","date":"October 30, 2021","format":false,"excerpt":"\u770b\u5230\u5927\u6279\u7684\u4e2d\u570b\u4eba\u8cb7\u842c\u80fd\u58fd\u96aa\uff0c\u53ef\u662f\u5f88\u5c11\u4eba\u660e\u767d\u842c\u80fd\u58fd\u96aa\u5167\u90e8\u4fdd\u672c\u662f\u600e\u9ebc\u56de\u4e8b\u3002\u6709\u5e7e\u500b\u4fdd\u96aa\u7684\u8aa4\u5340\u9700\u8981\u5728\u9019\u88e1\u8aaa\u4e00\u4e0b\u3002\u5426\u5247\u8ac7\u8ad6\u4fdd\u984d\u3001\u73fe\u91d1\u50f9\u503c\uff0c\u6b7b\u4ea1\u6536\u76ca\u90fd\u6c92\u6709\u610f\u7fa9\u3002\u9019\u4e9b\u8aa4\u5340\u5f88\u591a\u90fd\u662f\u8ce3\u4fdd\u96aa\u7684\u6709\u610f\u8aa4\u5c0e\u7684\u3002 \u8aa4\u5340\u4e00 \u672c\u4f86\u662f\u8cb7\u5fc3\u5b89\u537b\u8b8a\u6210\u4e86\u8cb7\u8ca0\u64d4 \u4fdd\u96aa\u7684\u672c\u8cea\u662f\u4fdd\u8b77\u90a3\u5343\u5206\u4e4b\u4e00\u6216\u842c\u5206\u4e4b\u4e00\u7684\u610f\u5916\u3002\u4e5f\u5c31\u662f\u8aaa\u5343\u500b\u4eba\u6216\u842c\u500b\u4eba\u8ca2\u737b\u4e00\u500b\u4eba\u5f97\u76ca\uff0c\u96d6\u7136\u5927\u5bb6\u90fd\u4e0d\u60f3\u505a\u5f97\u76ca\u8005\u3002\u5982\u679c\u4f60\u975e\u5e38\u6709\u9322\u662f\u500b\u5104\u842c\u5bcc\u7fc1\uff0c\u8cb7\u4e86\u4e0a\u5343\u842c\u7684\u4fdd\u96aa\uff0c\u5c31\u662f\u70ba\u9003\u7a05\u628a\u8ca1\u7522\u50b3\u7d66\u5b50\u5973\u3002\u53ef\u4ee5\u62ff\u6536\u5165\u5341\u842c\u4e4b\u4e00\u8cb7\u4fdd\u96aa\uff0c\u800c\u4e0d\u662f\u62ff\u4f60\u6536\u5165\u7684\u767e\u5206\u4e4b\u5341\u6216\u4e8c\u5341\u53bb\u8cb7\u3002\u672c\u4f86\u662f\u8cb7\u5fc3\u5b89\u537b\u8b8a\u6210\u4e86\u8cb7\u8ca0\u64d4\u3002 \u4fdd\u96aa\u662f\u5f88\u597d\u7684\u98a8\u96aa\u8f49\u79fb\u5de5\u5177\uff0c\u4e5f\u662f\u9700\u8981\u9810\u9632\u842c\u4e00\u3002\u4f46\u662f\u8cb7\u5f88\u8cb4\u7684\u5927\u9762\u503c\u6295\u8cc7\u578b\u4fdd\u96aa\u662f\u53e6\u5916\u4e00\u56de\u4e8b\u3002\u540c\u7406\u8cb7\u81ea\u4f4f\u623f\u4e5f\u662f\uff0c\u5982\u679c\u53ea\u770b\u4e2d\u597d\u5b78\u5340\u623f\u5b50\u4f46\u50f9\u503c\u8d85\u904e\u81ea\u5df1\u8ca0\u64d4\u80fd\u529b\uff0c\u5247\u9069\u5f97\u5176\u53cd\u800c\u6210\u623f\u5974\u3002 \u8aa4\u5340\u4e8c \u628a\u6295\u8cc7\u548c\u4fdd\u96aa\u6df7\u5728\u4e00\u8d77 \u70ba\u4ec0\u9ebc\u7e3d\u60f3\u8457\u7528\u4fdd\u96aa\u505a\u6295\u8cc7\u5462\uff1f\u6240\u6709\u7684\u4fdd\u96aa\u90fd\u4e0d\u662f\u6295\u8cc7\uff0c\u5305\u62ec\u5132\u84c4\u5206\u7d05\u578b\u7684\u7d42\u751f\u4eba\u58fd\u4fdd\u96aa\u3002\u4fdd\u96aa\u6700\u7d42\u7684\u76ee\u7684\u90fd\u662f\u4fdd\u969c\u3002\u771f\u8981\u5207\u8a18\uff01\u7d42\u751f\u4eba\u58fd\u4fdd\u96aa\u5fc5\u8981\u7684\u958b\u652f\u662f\u5c0d\u7684\uff0c\u4f46\u662f\u4e0d\u8981\u88ab\u8a87\u5f35\u7684\u6295\u8cc7\u56de\u5831\u7387\u5ffd\u60a0\u5c31\u597d\u4e86\u3002\u53e6\u5916\u6211\u5f37\u8abf\u6bcf\u500b\u8981\u8cb7\u7684\u670b\u53cb\u8981\u770b\u61c2illustration\u3002\u5982\u679cagent\u4e0d\u63d0\u4f9b\u6216\u8005\u73a9\u865b\u7684\uff0c\u80af\u5b9a\u6709\u8c93\u81a9\uff0c\u5343\u842c\u5c0f\u5fc3\u3002 \u770b\u5230\u5927\u6279\u7684\u4e2d\u570b\u4eba\u8cb7\u842c\u80fd\u58fd\u96aa\uff0c\u53ef\u662f\u5f88\u5c11\u4eba\u660e\u767d\u842c\u80fd\u58fd\u96aa\u5167\u90e8\u4fdd\u672c\u662f\u600e\u9ebc\u56de\u4e8b\u3002\u7c21\u55ae\u4f86\u8aaa\uff0c\u4fdd\u96aa\u91d1\u6263\u9664\u4fdd\u96aa\u958b\u652f\u5f8c\u7684\u4e00\u90e8\u5206\u9322\uff0c\u901a\u904e\u6295\u8cc7\u4f86\u5be6\u73fe\u73fe\u91d1\u50f9\u503c\u3002\u96a8\u8457\u5e74\u9f61\u7684\u589e\u9577\uff0c\u958b\u652f\u4e5f\u6703\u589e\u9577\uff0c\u6700\u5f8c\u4fdd\u8cbb\u548c\u73fe\u91d1\u50f9\u503c\u6703\u9010\u6f38\u5730\u88ab\u6d88\u8017\u6389\u3002\u81e8\u8001\u6642\uff0c\u537b\u767c\u73fe\u4fdd\u96aa\u7121\u6548\u4e86\uff0c\u6216\u8005\u5df2\u7d93\u627f\u64d4\u4e0d\u8d77\u4fdd\u8cbb\u4e86\u3002\u5373\u4f7f\u771f\u6b63\u7684\u842c\u80fd\u58fd\u96aa\u6709\u5b83\u7684\u505a\u6cd5\uff0c\u904b\u7528\u5f97\u7576\u662f\u53ef\u4ee5\u8003\u616e\u7684\uff0c\u524d\u63d0\u662f\u4f60\u5584\u65bc\u6b64\u9053\u3002\u4e8b\u5be6\u662f\uff0c\u597d\u591a\u4eba\u9023\u9019\u4e9b\u57fa\u672c\u5e38\u8b58\u90fd\u6c92\u6709\u3002 \u8aa4\u5340\u4e09 \u95dc\u65bc\u5f9e\u4fdd\u96aa\u4e2d\u53d6\u9322 1. \u4ee5\u524d\u7684\u7d42\u751f\u4eba\u58fd\u6c92\u6709\u9650\u5b9a\u201c\u4ed8\u6e05\u201d\u5e74\u9650\uff0c\u5047\u8a2d\u7d05\u5229\u662f\u6309\u7167\u7576\u6642\u7684\u56de\u5831\uff0c\u4f46\u662f\u5f8c\u4f86\u666e\u904d\u6bd4\u7576\u6642\u7684\u56de\u5831\u4f4e\uff0c\u6240\u4ee5\u5c31\u660e\u767d\u70ba\u4f55\u5ef6\u9577\u4e86\u8a31\u4e45\u9084\u672a\u4ed8\u6e05\u4e86\u3002\u4f46\u662f\u6709\u73fe\u91d1\u50f9\u503c\u9084\u662f\u4e0d\u932f\u7684\uff0c\u7e7c\u7e8c\u4ed8\u4e0b\u53bb\uff0c\u9072\u65e9\u53ef\u4ee5\u4ed8\u6e05\u3002\u73fe\u5728\u7f8e\u570b\u5bb6\u5ead\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\uff08American Family Life Insurance\uff0c AFLIC\uff09\u7684\u50b3\u7d71\u7d42\u751f\u4eba\u58fd\u9650\u5b9a\u4ed8\u6b3e\u6642\u9593\u70ba10 \u5e74 \u300115\u5e74\u6216\u800520\u5e74\uff0c\u4e26\u4fdd\u8b49\u4e0d\u518d\u8ffd\u52a0\u4fdd\u8cbb\uff0c\u4fdd\u8b49\u671f\u5230120\u6b72\u3002\u73fe\u91d1\u503c\u56de\u5831\u4e5f\u662f\u7372\u5f97\u4fdd\u8b49\u7684\u3002 2. Term Life \u6c92\u6709\u73fe\u91d1\u50f9\u503c\uff0c\u7c21\u55ae\u5730\u5c31\u662f\u70ba\u4e86\u61c9\u4ed8\u610f\u5916\u3002\u7b49\u6c92\u6709\u9019\u6a23\u7684\u9700\u8981\u5f8c\uff0c\u5c31\u53ef\u4ee5\u81ea\u52d5\u653e\u68c4\uff0c\u5c31\u50cf\u8eca\u4fdd\u96aa\u4e00\u6a23\uff0c\u4ea4\u4fdd\u8cbb\u5c31\u6709\u4fdd\u969c\u3002 \u8aa4\u5340\u56db \u798f\u5229\u8d8a\u591a\u8d8a\u597d \u5e7e\u4e4e\u6240\u6709\u7684\u9644\u52a0\u689d\u6b3e\u90fd\u6709\u4e00\u5b9a\u7684\u4fdd\u8cbb\uff01\u5929\u4e0b\u6c92\u6709\u514d\u8cbb\u5348\u9910\uff01\u53ef\u4ee5\u8cb7Term\uff0c\u6216\u8005\u6c92\u6709\u592a\u591a\u5671\u982d\u7684\u50b3\u7d71\u7d42\u751f\u4eba\u58fd\u3002\u5225\u7684\uff0c\u8aaa\u96e3\u807d\u9ede\uff0c\u90fd\u662f\u5751\u3002\u6240\u4ee5\uff0c\u4ed4\u7d30\u4e86\u89e3\u689d\u6b3e\u975e\u5e38\u5fc5\u8981\u3002\u4e00\u500b\u7b28\u8fa6\u6cd5\u5c31\u662f\u554f\u6e05\u695a\uff0c\u4e26\u8b93\u516c\u53f8\u5beb\u4e0b\u4f86\u4ec0\u9ebc\u662fGuaranteed\u3002 Term \u6c38\u9060\u90fd\u6c92\u932f\u3002\u5373\u4f7f\u8cb7\u4e86\u4efb\u4f55\u4e00\u7a2e\u7d42\u751f\u4fdd\u96aa\uff0c\u5982\u679c\u6578\u984d\u4e0d\u5920\u5927\uff0c\u9084\u53ef\u4ee5\u52a0\u4e00\u500bTerm\u505a\u88dc\u5145\u3002\u7f8e\u570b\u5bb6\u5ead\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\uff08American Family Life Insurance\uff0c AFLIC\uff09\u9664\u4e86\u50b3\u7d71\u7684Term Life\uff0c\u9084\u6709\u4e00\u500bSimplified Term Life\uff0c\u514d\u9ad4\u6aa2\uff0c\u591a\u6578\u53ef\u4ee5\u572824\u5c0f\u6642\u5167\u5c31\u88ab\u6279\u51c6\u3002 AFLIC\u7684\u50b3\u7d71\u7d42\u751f\u4eba\u58fd\uff0c\u6709\u73fe\u91d1\u50f9\u503c\u7d2f\u8a08\uff0c\u4f46\u662f\u689d\u6b3e\u6c38\u9060\u6e05\u6670\u660e\u4e86\u3002\u5176\u652f\u4ed8\u65b9\u5f0f\u6709\u5b9a\u671f\u5b8c\u6210\u652f\u4ed8\u3001\u652f\u4ed8\u7d42\u751f\u3001\u6216\u8005\u4e00\u6b21\u6027\u4ed8\u6e05\u3002\u985e\u4f3c\u5132\u84c4\uff0c\u6709\u6700\u4f4e\u4fdd\u969c\u7684\u73fe\u91d1\u50f9\u503c\uff0c\u540c\u6642\u4fdd\u969c\u610f\u5916\u6b7b\u4ea1\u3002\u51e1\u662f\u4eba\u58fd\u4fdd\u96aa\u90fd\u662f\u5e74\u7d00\u8d8a\u5927\uff0c\u4fdd\u8cbb\u8d8a\u9ad8\uff0cWhole Life \u6700\u597d\u8d81\u5e74\u8f15\u6642\u8cfc\u8cb7\uff0c\u4e26\u9078\u64c7\u5728\u4e00\u5b9a\u7684\u6642\u9650\u5167\u5b8c\u5168\u4ed8\u6e05\uff0c\u5c07\u662f\u4e0d\u932f\u7684\u9078\u64c7\u3002 2018\u5e74\uff0c\u7f8e\u570b\u5bb6\u5ead\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\uff08American Family Life Insurance\uff09\u9023\u7e8c10\u5e74\uff0c\u88ab\u6700\u56b4\u683c\u7684\u8a55\u7d1aWARD\u96c6\u5718\u518d\u6b21\u9078\u70ba\u5168\u7f8e\u6700\u4f7350\u5bb6\u4eba\u58fd\u548c\u91ab\u7642\u4fdd\u96aa\u516c\u53f8\uff0c\u9ad4\u73fe\u4e86AMFAM \u7684\u96c4\u539a\u8ca1\u529b\u548c\u4fdd\u55ae\u7684\u53ef\u4fe1\u5ea6\uff0c\u4e5f\u662fWeiss\u8a55\u7d1a\u7684\u70ba\u6578\u4e0d\u591a\u7684A+\u4fdd\u96aa\u516c\u53f8\u3002 \u6587\/\u9ec3\u66c9\u6771 408-466-0233 dhuang@elitefig.com\u00a0","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\/2021\/10\/insurance.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/10\/insurance.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/10\/insurance.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":148369,"url":"https:\/\/newsforchinese.com\/v3\/2017\/11\/27\/%e4%b8%8d%e4%b8%80%e6%a8%a3%e7%9a%84%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa\/","url_meta":{"origin":206426,"position":4},"title":"\u4e0d\u4e00\u6a23\u7684\u4eba\u58fd\u4fdd\u96aa","author":"Raymond","date":"November 27, 2017","format":false,"excerpt":"\u83ef\u4eba\u79fb\u6c11\u7f8e\u570b\u5f8c\uff0c\u52aa\u529b\u5efa\u7acb\u5e78\u798f\u7684\u5bb6\u5712\uff0c\u60f3\u5230\u70ba\u5bb6\u4eba\u6709\u66f4\u597d\u7684\u4fdd\u969c\uff0c\u83ef\u4eba\u7236\u6bcd\u5011\u90fd\u6703\u8003\u616e\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\uff0c\u5c24\u5176\u662f\u5bb6\u4e2d\u6709\u5e74\u5e7c\u7684\u5b50\u5973\u3002\u4f46\u5341\u591a\u5eff\u591a\u5e74\u524d\u8cfc\u5165\u64c1\u6709\u7684\u4eba\u58fd\u4fdd\u55ae\uff0c\u4fdd\u984d\u901a\u5e38\u662f\u5341\u842c\u5230\u5eff\u842c\uff0c\u9019\u4e9b\u4eba\u58fd\u4fdd\u984d\u5c0d\u7576\u6642\u7684\u5bb6\u5ead\u6709\u4e00\u5b9a\u7684\u5e6b\u52a9\uff0c\u4f46\u63db\u5230\u4eca\u5929\u793e\u6703\u7684\u7269\u50f9\uff0c\u5341\u842c\u751a\u81f3\u4e8c\u5341\u842c\u7684\u4eba\u58fd\u4fdd\u55ae\uff0c\u5c0d\u5bb6\u5ead\u7684\u7a81\u767c\u8ca1\u52d9\u9700\u8981\uff0c\u5b8c\u5168\u8d77\u4e0d\u5230\u529f\u7528\u3002 \u540c\u6642\uff0c\u5f88\u591a\u4eba\u5c0d\u4eba\u58fd\u4fdd\u96aa\u6709\u591a\u5c11\u8aa4\u89e3\uff0c\u7279\u5225\u662f\u60f3\u5230\u4eba\u58fd\u4fdd\u96aa\u7684\u8ce0\u511f\uff0c\u6295\u4fdd\u4eba\u81ea\u5df1\u5b8c\u5168\u5f97\u4e0d\u5230\u597d\u8655\uff0c\u53ea\u89ba\u5f97\u4eba\u58fd\u4fdd\u96aa\u6700\u5927\u7684\u798f\u5229\uff0c\u6295\u4fdd\u4eba\u96e2\u4e16\u6642\uff0c\u5c07\u4eba\u58fd\u91d1\u984d\u907a\u7559\u7d66\u53d7\u76ca\u4eba\u3002\u6240\u4ee5\u5f88\u591a\u670b\u53cb\u5c0d\u8003\u616e\u7533\u8acb\u4eba\u58fd\u4fdd\u96aa\u6642\uff0c\u5c31\u7336\u7591\u4e0d\u5b9a\uff0c\u66f4\u5c0e\u81f4\u4e0d\u53bb\u7533\u8acb\u3002 \u6700\u8fd1\u5341\u591a\u5e74\uff0c\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u7684\u7523\u54c1\uff0c\u5728\u4eba\u58fd\u4fdd\u96aa\u88cf\u52a0\u5165\u751f\u524d\u798f\u5229\u7684\u8ce0\u511f\u689d\u6b3e\uff0c\u76ee\u7684\u662f\u5e6b\u52a9\u6295\u4fdd\u8005\uff0c\u7576\u8eab\u9ad4\u9047\u4e0a\u91cd\u5927\u75be\u75c5\uff0c\u9700\u8981\u9577\u671f\u8b77\u7406\u751a\u81f3\u60a3\u4e0a\u7d76\u75c7\u6642\uff0c\u5c31\u80fd\u4f7f\u7528\u81ea\u5df1\u64c1\u6709\u7684\u4eba\u58fd\u4fdd\u55ae\uff0c\u63d0\u524d\u7d22\u53d6\u751f\u524d\u7406\u8ce0\u7684\u6b3e\u9805\uff0c\u53bb\u61c9\u4ed8\u60a3\u75c5\u6642\u9700\u8981\u7d93\u6fdf\u7684\u8f14\u52a9\u3002 \u6211\u5011\u90fd\u6703\u767c\u73fe\u81ea\u5df1\u64c1\u6709\u591a\u5e74\u50b3\u7d71\u7684\u4eba\u58fd\u4fdd\u96aa\uff0c\u5c31\u53ea\u6709\u6b7b\u4ea1\u8ce0\u511f\u518d\u52a0\u4e0a\u73fe\u91d1\u503c\u7684\u7d2f\u7a4d\u3002\u70ba\u751a\u9ebc\u4e0d\u8003\u616e\u8f49\u63db\u5168\u65b0\u8a2d\u8a08\u7684\u4eba\u58fd\u4fdd\u96aa\uff0c\u53c8\u6709\u751f\u524d\u7406\u8ce0\u7684\u597d\u8655\u5462\uff1f\u7279\u5225\u7576\u81ea\u5df1\u9032\u5165\u9000\u4f11\u751f\u6d3b\uff0c\u5e74\u9577\u7684\u6642\u5019\uff0c\u4eba\u7684\u58fd\u547d\u4e0d\u65b7\u52a0\u9577\u6642\uff0c\u771f\u6b63\u6709\u75be\u75c5\u767c\u751f\u5728\u81ea\u5df1\u8eab\u4e0a\u6642\uff0c\u5c31\u53ef\u4ee5\u5f9e\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\uff0c\u7d22\u53d6\u751f\u524d\u7406\u8ce0\u7684\u6b3e\u9879\uff0c\u53bb\u89e3\u6c7a\u8ca1\u52d9\u7684\u9700\u8981\u3002 \u5f88\u591a\u64c1\u6709\u591a\u5e74\u4eba\u58fd\u4fdd\u96aa\u7684\u4eba\u58eb\uff0c\u5341\u591a\u5eff\u591a\u5e74\u90fd\u6c92\u6709\u5be9\u95b2\u81ea\u5df1\u7684\u820a\u4eba\u58fd\u4fdd\u55ae\uff0c\u5176\u5be6\u9700\u8981\u8a8d\u771f\u601d\u7d22\u4e00\u4e0b\uff0c\u4e86\u89e3\u4eba\u58fd\u4fdd\u984d\u662f\u5426\u8db3\u5920\uff1f\u60f3\u4e0b\u672a\u4f86\u7684\u751f\u6d3b\u6709\u9700\u8981\u751f\u524d\u798f\u5229\u7684\u4eba\u58fd\u4fdd\u96aa\u55ce\uff1f\u7814\u7a76\u82e5\u91cd\u65b0\u8f49\u63db\u7684\u4eba\u58fd\u4fdd\u96aa\u5f8c\uff0c\u6703\u5426\u8981\u7e73\u4ea4\u663b\u8cb4\u7684\u4fdd\u96aa\uff0c\u80fd\u5426\u627f\u64d4\u8d77\u4ee5\u5f8c\u591a\u5e74\u7684\u8ca1\u52d9\u8d23\u4efb\u5462\uff1f\u8209\u4e00\u500b\u771f\u5be6\u7684\u6848\u4f8b\uff1a\u4e00\u4f4d\u4e94\u5341\u4e94\u6b72\u7684\u5973\u58eb\uff0c\u8eab\u9ad4\u5065\u5eb7\u4e0d\u62bd\u7159\uff0c\u5728\u5eff\u5e74\u524d\u8cfc\u5165\u67d0\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u7684\u4e8c\u5341\u4e94\u842c\u4eba\u58fd\u4fdd\u55ae\uff0c\u4fdd\u8cbb\u4e09\u767e\u5143\u3002\u4fdd\u55ae\u7d2f\u7a4d\u5230\u56db\u842c\u591a\u5143\u7684\u73fe\u91d1\u503c\u3002\u6211\u5011\u6210\u529f\u5e6b\u52a9\u5979\u7533\u8acb\u5230\u6709\u751f\u524d\u7406\u8ce0\u529f\u80fd\u7684\u4eba\u58fd\u4fdd\u55ae\uff0c\u5979\u7e7c\u7e8c\u7e73\u4ea4\u6bcf\u6708\u4fdd\u8d39\u4e09\u767e\u5143\uff0c\u800c\u8f49\u63db\u5230\u6709\u751f\u524d\u7406\u8ce0\u7684\u4eba\u58fd\u4fdd\u96aa\uff0c\u537b\u589e\u52a0\u4e00\u500d\u4eba\u58fd\u4fdd\u984d\u4e94\u5341\u842c\u5143\u3002\u5f9e\u4eca\u4ee5\u5f8c\uff0c\u9019\u4f4d\u6295\u4fdd\u4eba\uff0c\u5728\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u88cf\u64c1\u6709\u4e94\u5341\u842c\u751f\u524d\u7406\u8ce0\u7684\u4eba\u58fd\uff0c\u7576\u8eab\u9ad4\u9047\u5230\u75be\u75c5\u6642\uff0c\u5c31\u53ef\u4ee5\u52d5\u7528\u3002\u9084\u6709\u5973\u58eb\u5011\u5927\u591a\u6578\u9577\u58fd\u968e\u6bb5\uff0c\u975e\u5e38\u6182\u616e\u82e5\u9700\u8981\u9577\u671f\u8b77\u7406\u6642\uff0c\u9019\u4efd\u6709\u751f\u524d\u7406\u8ce0\u7684\u4eba\u58fd\u4fdd\u96aa\uff0c\u5c31\u80fd\u5e6b\u52a9\u5979\uff0c\u771f\u7684\u505a\u5230\u7121\u5f8c\u9867\u4e4b\u6182\u3002 \u5343\u771f\u842c\u78ba\u7684\u4e8b\u5be6\uff1a\u6709\u5f88\u591a\u5bb6\u5ead\u5728\u5341\u591a\u5eff\u591a\u5e74\u524d\uff0c\u66fe\u5e6b\u52a9\u5e74\u5e7c\u7684\u5b50\u5973\u8cfc\u8cb7\u4fdd\u984d\u5f88\u5c11\u7684\u4eba\u58fd\u4fdd\u96aa\u3002\u5230\u4e86\u4eca\u5929\uff0c\u5e74\u5e7c\u5b50\u5973\u5df2\u6210\u5bb6\u7acb\u5ba4\uff0c\u751a\u81f3\u5b50\u5973\u5011\u73fe\u4eca\u5df2\u4e8c\u5341\u591a\u751a\u4e09\u5341\u591a\u6b72\uff0c\u4ed6\u5011\u4ecd\u7136\u64c1\u6709\u591a\u5e74\u7684\u820a\u4fdd\u55ae\uff0c\u5b8c\u5168\u6c92\u6709\u8b8a\u52d5\uff0c\u9019\u7a2e\u505a\u6cd5\u7d76\u5c0d\u662f\u4e0d\u5408\u9069\u3002\u518d\u52a0\u4e0a\u73fe\u4eca\u4eba\u58fd\u4fdd\u96aa\u6709\u751f\u524d\u7406\u8ce0\u7684\u597d\u8655\uff0c\u800c\u4e14\u7dad\u6301\u76f8\u540c\u7684\u4fdd\u8cbb\uff0c\u537b\u7372\u5f97\u52a0\u500d\u6216\u66f4\u5927\u4fdd\u989d\u7684\u4eba\u58fd\u4fdd\u96aa\uff0c\u9019\u5176\u5be6\u975e\u5e38\u7cbe\u660e\u7684\u6c7a\u5b9a\u548c\u884c\u52d5\u3002 \u5bcc\u90a6\u4fdd\u96aa\u4ee3\u7406\u7684\u4eba\u58fd\u4fdd\u96aa\u7523\u54c1\uff0c\u5168\u662f\u7f8e\u570b\uff21\u7d1a\u4ee5\u4e0a\uff0c\u6b77\u53f2\u60a0\u4e45\uff0c\u96c6\u5718\u696d\u7a4d\u8868\u73fe\u512a\u7570\u7684\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\uff0c\u6240\u6709\u4eba\u58fd\u4fdd\u96aa\u53ca\u751f\u524d\u7406\u8ce0\uff0c\u6295\u4fdd\u4eba\u7d76\u5c0d\u7372\u5f97\u8ce0\u511f\uff0c\u9019\u662f\u4e0d\u5bb9\u7f6e\u7591\u3002 \u64c1\u6709\u591a\u5e74\u4eba\u58fd\u4fdd\u55ae\u7684\u670b\u53cb\u5011\uff0c\u60f3\u4e86\u89e3\u5982\u4f55\u8f49\u63db\u6709\u751f\u524d\u7406\u8ce0\u7684\u4eba\u58fd\u4fdd\u96aa\uff0c\u7531\u7d93\u9a57\u8c50\u5bcc\u7684\u4eba\u58fd\u4fdd\u96aa\u5c08\u5bb6Alfred Chan\u9673\u751f\uff0c\u70ba\u4f60\u8a2d\u8a08\u5408\u9069\u4f60\u6709\u751f\u524d\u7406\u8ce0\u7684\u4eba\u58fd\u4fdd\u96aa\u3002\u5bcc\u90a6\u4fdd\u96aa\u5728\u7063\u5340\u6709\u4e09\u500b\u8fa6\u516c\u5ba4\uff1a\u5206\u4f48Burlingame, San Francisco, Oakland \u3002\u8acb\u81f4\u96fb\u5bcc\u90a6\u4fdd\u96aa1-888-991-3833","rel":"","context":"In &quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/10\/life-insurance-cost.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/10\/life-insurance-cost.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/10\/life-insurance-cost.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":202178,"url":"https:\/\/newsforchinese.com\/v3\/2021\/06\/01\/%e8%b2%a1%e5%af%8c%e5%82%b3%e6%89%bf%e7%9a%84%e6%9c%80%e4%bd%b3%e6%96%b9%e5%bc%8f\/","url_meta":{"origin":206426,"position":5},"title":"\u8ca1\u5bcc\u50b3\u627f\u7684\u6700\u4f73\u65b9\u5f0f","author":"Raymond","date":"June 1, 2021","format":false,"excerpt":"\u8ca1\u7522\u8f49\u79fb\u4e0d\u50c5\u50c5\u662f\u90a3\u4e9b\u5bb6\u7522\u842c\u8cab\u7684\u5343\u842c\u5bcc\u7fc1\u3001\u5104\u842c\u5bcc\u7fc1\u5fc5\u9808\u8981\u505a\u7684\uff0c\u5c31\u662f\u90a3\u4e9b\u6709\u4e00\u3001\u4e8c\u767e\u842c\u8cc7\u7522\u7684\u4e2d\u7522\u968e\u7d1a\u4e5f\u9700\u8981\u4e86\u89e3\u548c\u8003\u616e\u3002\u56e0\u70ba\u8ca1\u7522\u8f49\u79fb\u4e0d\u50c5\u50c5\u610f\u5473\u8457\u5c11\u4ea4\u6216\u4e0d\u4ea4\u907a\u7522\u7a05\uff0c\u9084\u8207\u7a05\u52d9\u898f\u5283\u5bc6\u5207\u76f8\u95dc\uff0c\u505a\u7684\u597d\u9084\u6709\u5b98\u53f8\u4fdd\u969c\u548c\u5b50\u5973\u96e2\u5a5a\u6642\u4e0d\u7834\u8ca1\u7684\u597d\u8655\u3002 \u6211\u5011\u5c31\u8ac7\u8ac7\u9019\u500b\u554f\u984c\uff0c\u4ecb\u7d39\u8cc7\u7522\u8f49\u79fb\u7684\u5404\u7a2e\u65b9\u5f0f\uff0c\u6bd4\u8f03\u3001\u5206\u6790\u5404\u7a2e\u65b9\u5f0f\u7684\u512a\u7f3a\u9ede\u3002\u7576\u7136\uff0c\u5404\u4eba\u7684\u60c5\u6cc1\u4e0d\u4e00\u6a23\uff0c\u5177\u9ad4\u4f60\u61c9\u8a72\u63a1\u7528\u54ea\u7a2e\u6216\u54ea\u5e7e\u7a2e\u65b9\u5f0f\uff0c\u5247\u8981\u56e0\u4eba\u800c\u7570\u3002 \u5728\u8a0e\u8ad6\u8ca1\u7522\u8f49\u79fb\u4e4b\u524d\uff0c\u6211\u5011\u9996\u5148\u8981\u5927\u9ad4\u4e86\u89e3\u4e00\u4e0b\u7f8e\u570b\u7a05\u6cd5\u4e2d\u8207\u8ca1\u7522\u8f49\u79fb\u6709\u95dc\u7684\u5e7e\u689d\u6cd5\u5f8b\u3002 \u907a\u7522\u7a05 \u70ba\u4e86\u6291\u88fd\u904e\u5ea6\u7684\u8ca7\u5bcc\u5206\u5316\uff0c\u7f8e\u570b\u5c0d\u904e\u4e16\u7684\u9ad8\u8cc7\u7522\u4eba\u58eb\u5fb5\u6536\u907a\u7522\u7a05\uff0c\u9019\u662f\u806f\u90a6\u4e00\u7d1a\u7684\uff0c\u7a05\u7387\u5927\u6982\u572840%\u3002\u6709\u4e9b\u5dde\u4e5f\u5fb5\u6536\u907a\u7522\u7a05\uff08\u6709\u7684\u53eb\u7e7c\u627f\u7a05\u6216\u8005\u4e7e\u8106\u53eb\u6b7b\u4ea1\u7a05\uff09\u3002 \u7576\u7136\uff0c\u4e26\u4e0d\u662f\u6b7b\u5f8c\u7559\u4e0b\u7684\u6bcf\u4e00\u500b\u7f8e\u5143\u90fd\u8981\u4ea4\u907a\u7522\u7a05\uff0c\u5728\u806f\u90a6\u4e00\u7d1a\u6709\u907a\u7522\u514d\u7a05\u984d\uff0c2016\u5e74\u662f545\u842c\uff0c\u4e5f\u5c31\u662f\u8aaa\u4f60\u6b7b\u5f8c\u5982\u679c\u4f60\u7684\u6de8\u8cc7\u7522\u5c11\u65bc545\u842c\uff0c\u4e0d\u9700\u8981\u4ea4\u907a\u7522\u7a05\uff0c\u8d85\u904e545\u842c\u7684\u8981\u4ea4\u907a\u7522\u7a05\u3002 \u9019545\u842c\u6bcf\u5e74\u96a8\u901a\u8ca8\u81a8\u8139\u7387\u6703\u9010\u5e74\u4e0a\u8abf\uff0c\u9664\u975e\u65e5\u5f8c\u7f8e\u570b\u570b\u6703\u4fee\u6539\u6cd5\u5f8b\u3002\u8981\u77e5\u9053\u907a\u7522\u7a05\u5728\u7f8e\u570b\u662f\u7d93\u5e38\u8b8a\u52d5\u7684\uff0c\u6709\u6642\u5019\u514d\u7a05\u984d\u591a\uff0c\u6709\u6642\u5019\u514d\u7a05\u984d\u5c11\u3002\u53d6\u6c7a\u65bc\u7576\u6642\u7684\u793e\u6703\u653f\u6cbb\u74b0\u5883\uff0c\u4e5f\u53d6\u6c7a\u65bc\u7576\u6642\u7f8e\u570b\u653f\u5e9c\u7684\u8ca1\u653f\u6536\u652f\u60c5\u6cc1\u3002\u53e6\u5916\u6ce8\u610f\u9019545\u842c\u7684\u907a\u7522\u514d\u7a05\u984d\u662f\u7d66\u7f8e\u570b\u516c\u6c11\u548c\u7da0\u5361\u4eba\u58eb\u6e96\u5099\u7684\uff0c\u5982\u679c\u4f60\u65e2\u975e\u516c\u6c11\uff0c\u53c8\u6c92\u6709\u7da0\u5361\uff0c\u5247\u4e0d\u4eab\u6709545\u842c\u7684\u907a\u7522\u514d\u7a05\u984d\uff0c\u5be6\u969b\u7684\u514d\u7a05\u984d\u53ea\u67096\u842c\u3002 \u8d08\u8207\u7a05 \u907a\u7522\u7a05\u662f\u4eba\u6b7b\u5f8c\u624d\u5fb5\u6536\uff0c\u70ba\u9632\u6b62\u5bcc\u4eba\u5728\u751f\u524d\u5c31\u628a\u8ca1\u7522\u8f49\u79fb\u7d66\u5b50\u5973\uff0c\u7f8e\u570b\u6cd5\u5f8b\u7279\u5225\u898f\u5b9a\uff0c\u4f60\u8d08\u8207\u5225\u4eba\u7684\u8ca1\u7522\u6709\u4e00\u500b\u5e74\u5ea6\u8d08\u8207\u8c41\u514d\u3002\u5e74\u5ea6\u8d08\u8207\u8c41\u514d\u76ee\u524d\u662f14,000\u7f8e\u5143\u3002\u5982\u679c\u8d85\u904e\u4e86\u5e74\u5ea6\u8d08\u8207\u8c41\u514d\uff0c\u5c31\u8981\u7533\u5831\u8d08\u8207\u7a05\u8868709\uff0c\u4e26\u8981\u5f9e\u907a\u7522\u907f\u7a05\u984d\u4e2d\u6263\u6e1b\u3002\u5728\u9019\u88e1\u201c\u5225\u4eba\u201d\u662f\u6307\u9664\u4e86\u914d\u5076\u4ee5\u5916\u7684\u4e00\u5207\u4eba\u7b49\uff0c\u5305\u62ec\u5b50\u5973\u3001\u89aa\u5c6c\u7b49\u7b49\u3002 \u552f\u4e00\u7684\u4f8b\u5916\u53ea\u6709\u6148\u5584\u6350\u8d08\u6c92\u6709\u9650\u5236\uff0c\u4f60\u6350\u591a\u5c11\u90fd\u6c92\u554f\u984c\u3002\u5f88\u591a\u4eba\u554f\uff0c\u8ab0\u4ed8\u8d08\u8207\u7a05\u3002\u5728\u7f8e\u570b\uff0c\u8d08\u8207\u7a05\u662f\u7d66\u9322\u7684\u4eba\u4ed8\u7a05\uff0c\u6536\u9322\u7684\u4eba\u4e0d\u4ed8\u7a05\u3002\u9084\u6709\u4eba\u554f\uff0c\u6d77\u5916\u7236\u6bcd\u7d66\u4f60\u7684\u8d08\u8207\u8981\u4e0d\u8981\u4ed8\u7a05\u3002\u5be6\u969b\u4e0a\uff0c\u7f8e\u570b\u662f\u8cc7\u91d1\u6d41\u901a\u81ea\u7531\u7684\u570b\u5bb6\uff0c\u5c24\u5176\u6b61\u8fce\u5916\u570b\u7684\u8cc7\u672c\u6d41\u5165\u7f8e\u570b\u3002\u4f60\u5728\u5927\u9678\u6216\u6e2f\u53f0\u7684\u7236\u6bcd\u7d66\u4f60\u7684\u532f\u6b3e\u4f60\u4e0d\u9700\u8981\u4ed8\u7a05\uff0c\u5982\u679c\u4f60\u7236\u6bcd\u6c92\u6709\u7f8e\u570b\u516c\u6c11\u6216\u7da0\u5361\u8eab\u4efd\uff0c\u4ed6\u5011\u4e5f\u4e0d\u9700\u8981\u4ea4\u8d08\u8207\u7a05\u3002 \u7576\u7136\uff0c\u4f60\u6536\u5230\u7684\u6d77\u5916\u8cc7\u91d1\u5982\u679c\u91d1\u984d\u5de8\u5927\uff0810\u842c\u7f8e\u5143\u4ee5\u4e0a\uff09\uff0c\u4f60\u5fc5\u9808\u586b\u5beb3520\u7a05\u8868\u7533\u5831\uff0c\u4f46\u7533\u5831\u4e0d\u610f\u5473\u8457\u4f60\u8981\u4ea4\u7a05\u3002\u53ea\u662f\u8aaaIRS\u60f3\u4e86\u89e3\uff0c\u4f60\u7684\u9322\u4f86\u81ea\u4f55\u65b9\u3002\u7f8e\u570b\u653f\u5e9c\u8981\u9632\u7bc4\u7684\u662f\u6d17\u9322\uff0c\u7279\u5225\u8b66\u60d5\u7684\u662f\u9632\u6b62\u8cc7\u91d1\u9032\u5165\u7f8e\u570b\u7528\u65bc\u6050\u6016\u6d3b\u52d5\u3002\u5982\u679c\u4f60\u6536\u5230\u7684\u9322\u4f86\u81ea\u4e2d\u6771\u570b\u5bb6\uff0c\u7279\u5225\u662f\u90a3\u4e9b\u76db\u7522\u6050\u6016\u5206\u5b50\u7684\u570b\u5bb6\uff0c\u7f8e\u570b\u4e00\u5b9a\u6703\u775c\u5927\u773c\u775b\uff0c\u5bc6\u5207\u6ce8\u610f\u9322\u7684\u6e90\u982d\u548c\u6d41\u5411\uff0c\u800c\u4e2d\u570b\u5927\u9678\u548c\u6e2f\u53f0\u5247\u4e0d\u662f\u7f8e\u570b\u5bc6\u5207\u6ce8\u610f\u7684\u5730\u5340\u3002 \u592b\u59bb\u4e4b\u9593\u7684\u8ca1\u7522\u8f49\u79fb\u4e0d\u53d7\u5e74\u5ea6\u8d08\u8207\u8c41\u514d\u7684\u9650\u5236 \u7f8e\u570b\u6cd5\u5f8b\u5b9a\u7fa9\u592b\u59bb\u70ba\u55ae\u4e00\u7d93\u6fdf\u5171\u540c\u9ad4\uff0c\u592b\u59bb\u4e4b\u9593\u7684\u8ca1\u7522\u8f49\u4f86\u8f49\u53bb\u6c92\u6709\u9650\u5236\uff0c\u4f46\u7d66\u5b50\u5973\u7684\u8ca1\u7522\u5247\u53d7\u4e00\u5e74$14,000\u7684\u9650\u5236\u3002 \u4ecb\u7d39\u5b8c\u4e86\u8207\u8ca1\u7522\u8f49\u79fb\u6709\u95dc\u7684\u6cd5\u5f8b\u4ee5\u5916\uff0c\u4e0b\u9762\u5c31\u8ac7\u8ac7\u7236\u6bcd\u628a\u8ca1\u7522\u8f49\u79fb\u7d66\u5b50\u5973\u6216\u89aa\u5c6c\u7684\u4e00\u4e9b\u57fa\u672c\u505a\u6cd5\u3002 \u9996\u5148\uff0c\u8981\u5145\u5206\u5229\u7528\u6bcf\u5e74\u7684\u5e74\u5ea6\u8d08\u8207\u8c41\u514d \u6bcf\u500b\u5c0f\u5b69\uff0c\u6bcf\u4eba\u6bcf\u5e74\u53ef\u4ee5\u7d6614,000\u7f8e\u5143\uff0c\u592b\u59bb\u5006\u806f\u5408\u8d08\u8207\u5c31\u662f28,000\u3002\u5e38\u898b\u7684\u4f5c\u6cd5\u4e3b\u8981\u6709\uff1a\u4e00\u662f\u8a2d\u7acbUGMA\u6216UTMA\u8cec\u6236\uff0c\u5373\u6240\u8b02\u76e3\u8b77\u4eba\u8cec\u6236\uff08custodian account\uff09\u3002\u6bcf\u5e74\u5f80\u9019\u500b\u8cec\u6236\u8f49\u9032\u4e00\u7b46\u9322\uff0c\u9019\u500b\u8cec\u6236\u53ef\u4ee5\u7528\u65bc\u6295\u8cc7\u80a1\u7968\u548c\u5171\u540c\u57fa\u91d1\uff0c\u8cfa\u5230\u7684\u9322\u6309\u5c0f\u5b69\u7684\u7a05\u7387\u4ea4\u7a05\uff0c\u7a05\u7387\u8f03\u4f4e\u3002 \u9019\u7b46\u9322\u7d66\u51fa\u53bb\u4e86\uff0c\u5c31\u7d66\u51fa\u53bb\u4e86\uff0c\u4f60\u767e\u5e74\u5f8c\u4e0d\u7b97\u4f60\u7684\u907a\u7522\uff0c\u4e0d\u7528\u4ea4\u907a\u7522\u7a05\u3002\u4f46\u7f3a\u9ede\u662f\u4e00\u65e6\u5c0f\u5b69\u6210\u5e74\uff0818\u6b72\uff09\uff0c\u5c0f\u5b69\u5c31\u81ea\u52d5\u6210\u70ba\u8a72\u8cec\u6236\u7684\u6240\u6709\u4eba\uff0c\u5c0d\u8cec\u6236\u6709\u5b8c\u5168\u7684\u652f\u914d\u6b0a\u3002\u800c\u4e14\uff0c\u8a72\u8cec\u6236\u7684\u9322\u7b97\u5c0f\u5b69\u540d\u4e0b\u7684\u8cc7\u7522\uff0c\u5728\u4ed6\/\u5979\u7533\u8acb\u5927\u5b78\u734e\u52a9\u5b78\u91d1\u6642\u6709\u6700\u4e0d\u5229\u7684\u5f71\u97ff\u3002 \u53e6\u5916\u4f60\u7d66\u5c0f\u5b69\u4ed8\u5b78\u8cbb\u548c\u91ab\u7642\u8cbb\u4e0d\u53d7\u5e74\u5ea6\u8d08\u8207\u8c41\u514d\u7684\u7d04\u675f\u3002\u5177\u9ad4\u4f5c\u6cd5\u662f\u4f60\u76f4\u63a5\u958b\u652f\u7968\u7d66\u5b78\u6821\u6216\u91ab\u9662\uff0c\u800c\u4e0d\u8981\u958b\u652f\u7968\u7d66\u5c0f\u5b69\u3002\u6709\u4eba\u8aaa\u6211\u82e5\u7d66\u5c0f\u5b69\u73fe\u91d1\uff0cIRS\u5c31\u67e5\u4e0d\u51fa\u4f86\uff0c\u4f46\u4e00\u65e6\u4f60\u5c0f\u5b69\u628a\u73fe\u91d1\u5b58\u5165\u9280\u884c\uff0c\u8d85\u904e\u4e00\u842c\u7f8e\u5143\u5c31\u5fc5\u9808\u7533\u5831\uff0c\u5982\u679c\u4f60\u5c0f\u5b69\u7d93\u5e38\u5927\u91cf\u5f80\u9280\u884c\u5b58\u73fe\u91d1\u53c8\u6c92\u6709\u5408\u6cd5\u3001\u5408\u7406\u7684\u89e3\u91cb\uff0c\u5f04\u4e0d\u597d\u9084\u6703\u60f9\u4f86\u9003\u7a05\u548c\u6d17\u9322\u7684\u5b98\u53f8\uff0c\u5f97\u4e0d\u511f\u5931\u3002 \u7b2c\u4e8c\uff0c\u5229\u7528\u5e74\u5ea6\u8d08\u8207\u8c41\u514d\u958b\u8a2d529\u8cec\u6236 \u4f60\u53ef\u4ee5\u4e00\u6b21\u653e\u9032\u53bb5\u5e74\u7684\u9650\u984d\uff0c\u5373\u6700\u591a14\u842c\uff08\u6bcf\u5e742\u842c8\uff09\uff0c\u7576\u7136\u4f60\u4e00\u65e6\u653e\u9032\u53bb5\u5e74\u7684\u9650\u984d\uff0c\u65e5\u5f8c5\u5e74\u4f60\u5c31\u4e0d\u80fd\u518d\u653e\u9322\u3002\u4f60\u4e5f\u53ef\u4ee5\u6bcf\u5e74\u3001\u6bcf\u5e74\u653e\u3002\u653e\u9032529\u7684\u9322\u5fc5\u9808\u5c08\u6b3e\u5c08\u7528\uff0c\u7528\u65bc\u5c0f\u5b69\u65e5\u5f8c\u4e0a\u5927\u5b78\u6216\u8b80\u7814\u7a76\u751f\uff0c\u5176\u589e\u503c\u90e8\u5206\u4e0d\u7528\u4ea4\u8cc7\u672c\u589e\u503c\u7a05\u3002 \u4f46\u5982\u679c\u9019\u7b46\u9322\u65e5\u5f8c\u632a\u4f5c\u5b83\u7528\uff0c\u5247\u6703\u6709\u8cc7\u672c\u589e\u503c\u7a05\uff0c\u5916\u52a010%\u7684\u7f70\u6b3e\u3002 529\u8cec\u6236\u5728\u7533\u8acb\u734e\u52a9\u5b78\u91d1\u6642\u4e5f\u6709\u8ca0\u9762\u5f71\u97ff\uff0c\u4f46\u56e0\u70ba\u5b83\u7b97\u4f5c\u7236\u6bcd\u7684\u8cc7\u7522\uff0c\u5176\u4e0d\u5229\u5f71\u97ff\u5c0f\u65bc\u76e3\u8b77\u4eba\u8cec\u6236\u3002 \u7b2c\u4e09\uff0c\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa \u4e00\u822c\u505a\u6cd5\u662f\u505a\u7236\u6bcd\u7684\u7d66\u81ea\u5df1\u8cb7\u4fdd\u96aa\uff0c\u628a\u5b50\u5973\u5217\u70ba\u4fdd\u96aa\u7684\u53d7\u76ca\u4eba\uff0c\u6216\u662f\u7d66\u5c0f\u5b69\u8cb7\u4fdd\u96aa\uff0c\u65e5\u5f8c\u518d\u628a\u4fdd\u96aa\u7684\u6240\u6709\u4eba\u6539\u70ba\u5c0f\u5b69\u81ea\u5df1\u3002 \u5148\u8aaa\u7d66\u81ea\u5df1\u8cb7\u4fdd\u96aa\u3002\u5982\u679c\u4f60\u5c0f\u5b69\u672a\u6210\u5e74\uff0c\u6216\u662f\u623f\u8cb8\u672a\u4ed8\u6e05\uff0c\u8cb7\u4fdd\u96aa\u662f\u7d66\u5bb6\u5ead\u4e00\u500b\u4fdd\u969c\uff0c\u9019\u662f\u5fc5\u9808\u7684\u3002\u5982\u679c\u5b50\u5973\u5df2\u6210\u5e74\uff0c\u4f60\u5011\u81ea\u5df1\u7684\u9000\u4f11\u8a08\u5283\u4e5f\u505a\u7684\u5f88\u597d\uff0c\u7d66\u81ea\u5df1\u8cb7\u4fdd\u96aa\u7684\u4e3b\u8981\u76ee\u7684\u53ef\u80fd\u5c31\u662f\u8b93\u7559\u7d66\u5b50\u5973\u7684\u8cc7\u7522\u6700\u5927\u5316\u3002 \u5982\u679c\u4f60\u4ec0\u9ebc\u4e5f\u4e0d\u505a\uff0c\u7559\u7d66\u5b50\u5973\u7684\u8cc7\u7522\u5047\u8a2d\u662f100\u842c\uff0c\u5176\u4e2d\u670950\u842c\u662f\u6d41\u52d5\u8cc7\u7522\uff0c\u5982\u9280\u884c\u5b58\u6b3e\u3001\u80a1\u7968\u6216\u5171\u540c\u57fa\u91d1\u3002 \u5982\u679c\u4f60\u752850\u842c\u6d41\u52d5\u8cc7\u7522\u7684\u4e00\u90e8\u5206\u5047\u8a2d30\u842c\u4f86\u8cb7\u4eba\u58fd\u4fdd\u96aa\uff0c\u5c0d\u4e00\u500b50\u6b72\u7684\u4eba\u4f86\u8b1b\uff0c\u901930\u842c\u53ef\u80fd\u80fd\u8cb7\u5230100\u842c\u6216180\u842c\u4eba\u58fd\u4fdd\u96aa\uff08\u53d6\u6c7a\u65bc\u4f60\u5e74\u9f61\u3001\u6027\u5225\u548c\u5065\u5eb7\u72c0\u6cc1\uff09\uff0c\u4eba\u904e\u4e16\u5f8c2-3\u5468\u4fdd\u96aa\u516c\u53f8\u5c31\u6703\u8ce0\u9322\uff0c\u800c\u4e14\u6c92\u6709\u7a05\u3002 \u6211\u60f3\u50cf\u4e0d\u51fa\u4f86\u9084\u6709\u4ec0\u9ebc\u5225\u7684\u6295\u8cc7\u6709\u9019\u7a2e\u65e2\u6c92\u6709\u7a05\u53c8\u6709\u4fdd\u8b49\u7684\u56de\u5831\u3002\u7576\u7136\uff0c\u5982\u679c\u4f60\u5584\u65bc\u6295\u8cc7\uff0c30\u842c\u572820-30\u5e74\u5167\u6f32\u5230100\u842c\u662f\u6709\u53ef\u80fd\u7684\u4f46\u4e0d\u662f\u4fdd\u8b49\u7684\uff0c\u5f04\u5f97\u4e0d\u597d\u9084\u53ef\u80fd\u8ce0\u9322\u3002\u5c31\u7b97\u4f6030\u842c\u6f32\u5230100\u842c\uff0c\u901970\u842c\u6536\u76ca\u9084\u8981\u4ea4\u7a05\u3002\u800c\u4e14\uff0c\u842c\u4e00\u4f60\u4e0d\u5e78\u6c92\u6709\u518d\u6d3b20-30\u5e74\uff0c\u4f60\u7684\u201c100\u842c\u201d\u5c31\u662f\u7121\u6cd5\u5be6\u73fe\u7684\u5922\u60f3\u3002 \u9664\u4e86\u7d66\u81ea\u5df1\u8cb7\u4eba\u58fd\u4fdd\u96aa\uff0c\u4f60\u4e5f\u53ef\u4ee5\u8003\u616e\u7d66\u5c0f\u5b69\u8cb7\u4eba\u58fd\u4fdd\u96aa\u3002\u4e00\u4f86\u5c0f\u5b69\u7684\u4fdd\u96aa\u4fbf\u5b9c\uff0c\u53ef\u80fd\u4e0d\u9700\u8981\u9ad4\u6aa2\u3002\u4e8c\u4f86\uff0c\u7d66\u5c0f\u5b69\u8cb7\u7684\u6c38\u4e45\u6027\u7684\u4fdd\u96aa\uff0c\u9084\u6709\u73fe\u91d1\u503c\u3002\u525b\u958b\u59cb\u73fe\u73fe\u91d1\u503c\u5f88\u5c11\uff0c\u4f46\u65e5\u7a4d\u6708\u7d2f\uff0c\u5341\u5e7e\u3001\u4e8c\u5341\u5e74\u5f8c\u73fe\u91d1\u503c\u53ef\u4ee5\u7d2f\u7a4d\u5230\u5f88\u53ef\u89c0\u7684\u7a0b\u5ea6\u3002\u65e5\u5f8c\u4f60\u5c0f\u5b69\u53ef\u4ee5\u7528\u9019\u7b46\u73fe\u91d1\u503c\u505a\u4ed6\/\u5979\u8cb7\u623f\u7684\u9996\u4ed8\uff0c\u6216\u662f\u4f5c\u4ed6\/\u5979\u7684\u5c0f\u5b69\u7684\u5927\u5b78\u6559\u80b2\u57fa\u91d1\u3002\u4f60\u5c0f\u5b69\u7684\u4fdd\u96aa\u5728\u4f60\u5c0f\u5b69\u672a\u6210\u5e74\u524d\u7531\u4f60\u63a7\u5236\uff0c\u9577\u5927\u5f8c\u4f60\u53ef\u4ee5\u628a\u9019\u500b\u4fdd\u96aa\u8f49\u7d66\u5c0f\u5b69\uff0c\u7531\u4ed6\/\u5979\u63a7\u5236\u3002 \u5982\u679c\u4f60\u4e0d\u60f3\u4eba\u58fd\u4fdd\u96aa\u7406\u8ce0\u7d0d\u5165\u4f60\u7684\u907a\u7522\uff0c\u4f60\u53ef\u4ee5\u8a2d\u7acb\u4e00\u500b\u4e0d\u53ef\u64a4\u92b7\u7684\u4eba\u58fd\u4fdd\u96aa\u4fe1\u8a17\uff08ILIT\uff09\u4f5c\u81ea\u5df1\u4fdd\u96aa\u7684\u6240\u6709\u4eba\u548c\u53d7\u76ca\u4eba\u3002\u4f60\u767e\u5e74\u5f8c\uff0c\u9019\u7b46\u7406\u8ce0\u9032\u5165\u9019\u500b\u4fe1\u8a17\u8cec\u6236\uff0c\u4f60\u7684\u5b50\u5973\u4f5c\u70ba\u4fe1\u8a17\u7684\u53d7\u76ca\u4eba\u5f9e\u9019\u500b\u8cec\u6236\u62ff\u9322\u3002\u8a2d\u7acb\u4fe1\u8a17\u64c1\u6709\u4fdd\u96aa\u7684\u597d\u8655\u662f\u9019\u7b46\u4fdd\u96aa\u7406\u8ce0\u4e0d\u7b97\u4f60\u7684\u907a\u7522\u56e0\u800c\u6c92\u6709\u907a\u7522\u7a05\uff0c\u7b2c\u4e8c\uff0c\u8a72\u4fe1\u8a17\u5177\u6709\u5b98\u53f8\u548c\u96e2\u5a5a\u4fdd\u969c\u7684\u529f\u80fd\u3002\u65e5\u5f8c\u4f60\u5b50\u5973\u82e5\u96e2\u5a5a\uff0c\u96e2\u5a5a\u914d\u5076\u4e0d\u53ef\u4ee5\u5f9e\u9019\u500b\u4fe1\u8a17\u4e2d\u5206\u9322\uff1b\u4f60\u5b50\u5973\u82e5\u5403\u4e0a\u5b98\u53f8\uff0c\u5225\u4eba\u4e5f\u7121\u6cd5\u67d3\u6307\u9019\u500b\u4fe1\u8a17\u4e2d\u7684\u8ca1\u7522\u3002\u5982\u679c\u4f60\u7684\u4fdd\u96aa\u984d\u5f88\u5927\uff08\u5e7e\u767e\u842c\u7f8e\u5143\u4ee5\u4e0a\uff09\uff0c\u6216\u662f\u4f60\u672c\u8eab\u7684\u8ca1\u7522\u5df2\u7d93\u8d85\u904e\u4e86\u907a\u7522\u514d\u7a05\u984d\uff0c\u5c31\u4e00\u5b9a\u8981\u8a2d\u7acb\u4fdd\u96aa\u4fe1\u8a17\u3002\u5982\u679c\u4f60\u60f3\u898f\u7bc4\u53d7\u76ca\u4eba\u62ff\u9322\u7684\u65b9\u5f0f\uff0c\u4e0d\u5e0c\u671b\u5b50\u5973\u62ff\u5230\u5de8\u984d\u7406\u8ce0\u5f8c\u80e1\u4e82\u82b1\u8cbb\u7684\u8a71\uff0c\u4f60\u4e5f\u6700\u597d\u8a2d\u7acb\u4fe1\u8a17\u3002 \u5728\u4fe1\u8a17\u6587\u4ef6\u4e2d\uff0c\u4f60\u53ef\u4ee5\u5beb\u660e\u6536\u76ca\u4eba\u62ff\u9322\u7684\u65b9\u5f0f\u6216\u662f\u82b1\u9322\u7684\u898f\u5247\uff0c\u6bd4\u5982\uff0c\u53ea\u53ef\u4ee5\u7528\u65bc\u6559\u80b2\u3001\u91ab\u7642\u6216\u662f\u610f\u5916\u958b\u92b7\uff0c\u4e0d\u80fd\u7528\u65bc\u8ced\u535a\u3001\u5438\u6bd2\u7b49\u7b49\u3002\u6709\u4e86\u9019\u4e9b\u898f\u5247\uff0c\u5c31\u53ef\u4ee5\u5728\u4e00\u5b9a\u7a0b\u5ea6\u4e0a\u9632\u6b62\u5b50\u5973\u6709\u9322\u5c31\u8b8a\u58de\u3002\u4fe1\u8a17\u5fc5\u9808\u6709trustee\uff0c\u7531trustee\u4f86\u8ca0\u8cac\u4fe1\u8a17\u7684\u57f7\u884c\u3002\u5982\u679c\u662f\u4e0d\u53ef\u64a4\u92b7\u7684\u4fe1\u8a17\uff0c\u7236\u6bcd\u672c\u4eba\u4e0d\u53ef\u4ee5\u4f5ctrustee\uff0c\u6700\u597d\u6307\u5b9a\u4f60\u4fe1\u4efb\u7684\u4eba\u505atrustee\uff0c\u6216\u662f\u627e\u67d0\u500b\u9280\u884c\u4f5ctrustee\u3002\u4ec0\u9ebc\u6a23\u7684\u4eba\u6700\u9069\u5408\u901a\u904e\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\u4f86\u7d66\u5b50\u5973\u8f49\u79fb\u8cc7\u7522\u5462\uff1f\u9996\u5148\u662f\u90a3\u4e9b\u8cc7\u7522\u8d85\u904e\u514d\u7a05\u984d\u3001\u65e5\u5f8c\u5f88\u53ef\u80fd\u6703\u6709\u907a\u7522\u7a05\u7684\u4eba\u58eb\uff1b\u5176\u6b21\u662f\u6709\u4e9b\u5269\u9918\u7684\u9322\uff0c\u81ea\u5df1\u82b1\u4e0d\u5b8c\uff0c\u60f3\u5229\u7528\u69d3\u687f\u539f\u7406\u628a\u907a\u7522\u653e\u5230\u7684\u4eba\uff1b\u9084\u6709\u5c31\u662f\u76ee\u524d\u8ca1\u7522\u5f88\u591a\u662f\u4e0d\u52d5\u7522\uff0c\u60f3\u7d66\u5b50\u5973\u7559\u4e0b\u4e00\u4e9b\u73fe\u91d1\u7684\u4eba\u58eb\u3002 \u7b2c\u56db\uff0c\u8a2d\u7acb\u4fe1\u8a17 \u4fe1\u8a17\u6709\u591a\u7a2e\u591a\u6a23\uff0c\u57fa\u672c\u53ef\u5283\u5206\u70ba\u53ef\u64a4\u92b7\u7684\u8207\u4e0d\u53ef\u64a4\u92b7\u7684\u5169\u985e\u3002\u524d\u8005\u5e38\u898b\u7684\u6709\u751f\u524d\u4fe1\u8a17(Living Trust) \u548cpension \u4fe1\u8a17\u7b49\uff1b\u5f8c\u8005\u5305\u62ec\u4eba\u58fd\u4fdd\u96aa\u4fe1\u8a17\uff08ILIT\uff09\u3001\u671d\u4ee3\u4fe1\u8a17\uff08DynastyTrust\uff09\u7b49\u3002\u4fe1\u8a17\uff08Trust\uff09\u7c21\u55ae\u5730\u8aaa\u5c31\u662f\u8a2d\u7acb\u4eba(Grantor)\u70ba\u4e86\u53d7\u76ca\u4eba\u7684\u5229\u76ca\u800c\u8a2d\u7acb\u7684\u4e00\u500bentity(\u5be6\u9ad4)\uff0c\u7136\u5f8c\u628a\u8ca1\u7522\u653e\u5230\u9019\u500b\u5be6\u9ad4\u4e2d\u3002\u8a2d\u7acb\u4eba\u4e8b\u5148\u898f\u5b9a\u53d7\u76ca\u4eba\u5982\u4f55\u7372\u5f97\u8207\u4f7f\u7528\u4fe1\u8a17\u4e2d\u7684\u8ca1\u7522\u3002\u4e00\u500b\u4fe1\u8a17\u4e00\u822c\u67093\u500b\u4eba\uff08\u5305\u62ec\u81ea\u7136\u4eba\u548c\u6cd5\u4eba\uff09\uff1a\u8a2d\u7acb\u4eba\uff08Grantor\uff09,\u53d7\u76ca\u4eba\uff08beneficiary\uff09\u8207\u7ba1\u7406\u4eba\uff08trustee\uff09\u3002 \u5728\u53ef\u64a4\u92b7\u4fe1\u8a17\u4e2d\uff0c\u90193\u500b\u4eba\u53ef\u4ee5\u662f\u540c\u4e00\u500b\u4eba\uff0c\u4e09\u4f4d\u4e00\u9ad4\uff1b\u800c\u5728\u4e0d\u53ef\u64a4\u6d88\u4fe1\u8a17\u4e2d\uff0c\u90193\u500b\u4eba\u5f80\u5f80\u4e0d\u4e00\u6a23\u3002\u4fe1\u8a17\u4e00\u822c\u90fd\u6709\u4e00\u500b\u7a05\u865f(taxid), \u53ef\u64a4\u92b7\u7684\u4fe1\u8a17\u6709\u6642\u7528\u500b\u4eba\u7684\u793e\u4fdd\u865f\u4f5c\u7a05\u865f\uff0c\u4e0d\u53ef\u64a4\u6d88\u7684\u4fe1\u8a17\u4e00\u822c\u90fd\u6703\u5411IRS\u5c08\u9580\u7533\u8acb\u4e00\u500b\u7a05\u865f\u3002 \u5f88\u591a\u4eba\u5c0dtrust\u4e0d\u4e86\u89e3\uff0c\u6216\u662f\u4e00\u77e5\u534a\u89e3\uff0c\u5e38\u5e38\u6709\u5ba2\u4eba\u5c24\u5176\u662f\u9ad8\u6536\u5165\u3001\u9ad8\u98a8\u96aa\u7684\u91ab\u751f\u5ba2\u6236\u8ddf\u6211\u8aaa\u8981\u8a2d\u7acbtrust,\u9632\u6b62\u88ab\u5225\u4eba\u544a\u3002\u4ed6\u5011\u6700\u5927\u7684\u8aa4\u89e3\u662f\u4ee5\u70ba\u4e00\u65e6\u8a2d\u7acb\u4e86\u4fe1\u8a17\u5c31\u842c\u4e8b\u5927\u5409\u4e86\uff0c\u81ea\u5df1\u7684\u8ca1\u7522\u5c31\u56fa\u82e5\u91d1\u6e6f\u4e86\uff0c\u9084\u6709\u4e9b\u4eba\u8a8d\u70ba\u653e\u9032\u4fe1\u8a17\u7684\u9322\u6211\u9084\u53ef\u4ee5\u81ea\u7531\u652f\u914d\uff0c\u60f3\u600e\u9ebc\u82b1\u5c31\u600e\u9ebc\u82b1\u3002 \u95dc\u65bc\u4fe1\u8a17\u6709\u5169\u689d\u5fc5\u9808\u660e\u767d\uff0c\u7b2c\u4e00\uff0c\u53ef\u64a4\u92b7\u7684\u4fe1\u8a17\u65e2\u6c92\u6709\u591a\u5c11\u7701\u7a05\u7684\u529f\u80fd\uff0c\u66f4\u6c92\u6709\u8cc7\u7522\u4fdd\u969c\uff08asset protection\uff09\u7684\u4f5c\u7528\u3002\u9053\u7406\u5176\u5be6\u5f88\u7c21\u55ae\uff0c\u5c31\u56e0\u70ba\u5b83\u53ef\u4ee5\u96a8\u6642\u64a4\u92b7\u3002\u7b2c\u4e8c\uff0c\u771f\u6b63\u5177\u6709\u907a\u7522\u898f\u5283\u4f5c\u7528\u7684\u662f\u4e0d\u53ef\u64a4\u6d88\u4fe1\u8a17\uff0c\u4f46\u653e\u9032\u53bb\u7684\u73fe\u6709\u8ca1\u7522\u6216\u672a\u4f86\u8ca1\u7522\uff08\u5982\u4eba\u58fd\u4fdd\u96aa\uff09\u6cd5\u5f8b\u4e0a\u8b1b\u5df2\u7d93\u4e0d\u5c6c\u65bc\u4f60\uff0c\u4f60\u6c92\u6709\u652f\u914d\u6b0a\uff0c\u66f4\u6c92\u6709\u53d7\u76ca\u6b0a\u3002\u5982\u679c\u4f60\u78ba\u5be6\u64d4\u5fc3\u6210\u70ba\u88ab\u544a\uff0c\u6015\u50b5\u6b0a\u4eba\u65e5\u5f8c\u67d3\u6307\u4f60\u7684\u8ca1\u7522\uff0c\u4f60\u5c31\u8981\u8a2d\u7acb\u4e0d\u53ef\u64a4\u6d88\u7684\u4fe1\u8a17\uff0c\u628a\u81ea\u5df1\u7528\u4e0d\u8457\u7684\u8ca1\u7522\u653e\u9032\u53bb\uff0c\u6307\u660e\u4f60\u7684\u5b50\u5973\u4f5c\u53d7\u76ca\u4eba\u3002 \u9019\u6a23\u505a\u6709\u5169\u5927\u597d\u8655\uff0c\u4e00\u662f\u4ee5\u4eca\u5929\u7684\u50f9\u503c\u628a\u8ca1\u7522\u8f49\u79fb\u9032\u53bb\u4e86\uff0c\u65e5\u5f8c\u8a72\u8ca1\u7522\u5305\u62ec\u5347\u503c\u4e0d\u6703\u7b97\u4f5c\u4f60\u7684\u907a\u7522\uff0c\u56e0\u800c\u6c92\u6709\u907a\u7522\u7a05\u3002\u4e8c\u662f\u56e0\u70ba\u8a72\u8ca1\u7522\u5df2\u7d93\u4e0d\u5c6c\u65bc\u4f60\u4e86\uff0c\u5982\u679c\u88ab\u544a\uff0c\u5225\u4eba\u62ff\u4e0d\u5230\u8a72\u4fe1\u8a17\u4e2d\u7684\u8ca1\u7522\u3002\u66fe\u7d93\u6709\u5ba2\u6236\u82e5\u5e72\u5e74\u524d\u8a2d\u7acb\u4e86\u4e00\u500b\u4e0d\u53ef\u64a4\u6d88\u7684\u4fe1\u8a17\uff0c\u628a\u4ed6\u7684\u90e8\u5206\u8ca1\u7522\u653e\u5230\u4fe1\u8a17\u4e2d\uff0c\u53d7\u76ca\u4eba\u662f\u4ed6\u7684\u5e7e\u500b\u5973\u5152\u3002\u5f8c\u4f86\uff0c\u4ed6\u88ab\u5224\u5211\u5750\u7262\uff0c\u540d\u4e0b\u7684\u516c\u53f8\u3001\u623f\u7522\u3001\u9280\u884c\u8cec\u6236\u88ab\u6c92\u6536\uff0c\u4f46\u5728\u8a72\u4fe1\u8a17\u4e0b\u7684\u8cc7\u7522\u5b89\u7136\u7121\u6059\uff0c\u4fdd\u969c\u4e86\u5176\u5b50\u5973\u65e5\u5f8c\u7684\u751f\u6d3b\u8cbb\u7528\u3002 \u6587\/\u9ec3\u66c9\u6771","rel":"","context":"In &quot;\u5546\u60c5\u5831\u5c0e&quot;","block_context":{"text":"\u5546\u60c5\u5831\u5c0e","link":"https:\/\/newsforchinese.com\/v3\/category\/biz\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/206426","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/comments?post=206426"}],"version-history":[{"count":3,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/206426\/revisions"}],"predecessor-version":[{"id":206436,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/206426\/revisions\/206436"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media\/206427"}],"wp:attachment":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media?parent=206426"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/categories?post=206426"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/tags?post=206426"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/series?post=206426"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}