{"id":267102,"date":"2024-10-23T23:19:05","date_gmt":"2024-10-24T06:19:05","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=267102"},"modified":"2024-10-23T23:19:11","modified_gmt":"2024-10-24T06:19:11","slug":"%e8%88%89%e5%82%b5%e8%aa%a0%e5%a5%bd%e7%94%a8%e4%bf%a1%e7%94%a8%e5%83%b9%e6%9b%b4%e9%ab%98","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2024\/10\/23\/%e8%88%89%e5%82%b5%e8%aa%a0%e5%a5%bd%e7%94%a8%e4%bf%a1%e7%94%a8%e5%83%b9%e6%9b%b4%e9%ab%98\/","title":{"rendered":"\u8209\u50b5\u8aa0\u597d\u7528\u4fe1\u7528\u50f9\u66f4\u9ad8"},"content":{"rendered":"\n<p>\u5bc5\u5403\u536f\u7ce7\u7684\u8209\u50b5\u751f\u6d3b\uff0c\u5e7e\u4e4e\u5df2\u6210\u7f8e\u570b\u6587\u5316\u7684\u4e00\u90e8\u5206\uff0c\u4e0a\u81ea\u5168\u4e16\u754c\u6700\u5927\u7684\u8209\u50b5\u570b\uff0c\u4e0b\u81f3\u5eb6\u6c11\u767e\u59d3\u9760\u900f\u652f\u904e\u65e5\u5b50\u3002<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>\u8209\u50b5\u662f\u7528\u672a\u4f86\u7684\u9322\u4f86\u652f\u4ed8\u73fe\u5728\u7684\u958b\u92b7\uff0c\u7c21\u55ae\u8aaa\u5c31\u662f\u8b93\u6d88\u8cbb\u5ef6\u9072\u4ed8\u6b3e\uff0c\u6216\u8aaa\u662f\u4ee5\u6642\u9593\u63db\u53d6\u91d1\u9322\u7a7a\u9593\uff0c\u7167\u7406\u8aaa\u662f\u660e\u667a\u7684\u7528\u9322\u65b9\u6cd5\uff0c\u56e0\u70ba\u9322\u8b8a\u6d3b\u4e86\u3002\u4f46\u9019\u9ebc\u597d\u7528\u7684\u7406\u8ca1\u65b9\u5f0f\uff0c\u4e5f\u6709\u500b\u6975\u70ba\u95dc\u9375\u7684\u9580\u6abb\uff0c\u5c31\u662f\u4fe1\u7528\u3002\u4fe1\u7528\u6c7a\u5b9a\u4f60\u80fd\u4e0d\u80fd\u62ff\u5230\u4ee5\u53ca\u62ff\u5230\u591a\u5c11\u672a\u4f86\u7684\u9322\uff0c\u6240\u4ee5\u5728\u7f8e\u570b\u751f\u6d3b\u4fe1\u7528\u975e\u5e38\u91cd\u8981\uff0c\u800c\u5c0d\u591a\u6578\u7f8e\u570b\u4eba\u4f86\u8aaa\uff0c\u4fdd\u6301\u826f\u597d\u4fe1\u7528\u53ef\u80fd\u6bd4\u9047\u505c\u6b62\u6a19\u8a8c\u8981\u5b8c\u5168\u505c\u8eca\u66f4\u5c6c\u4e00\u822c\u5e38\u8b58\u3002<\/p>\n\n\n\n<p>\u516b\u5e74\u524d\u7684\u7f8e\u570b\uff0cCredit Karma\u5c31\u767c\u73fe\u8fd1\u4e03\u6210\u7684\u5345\u6b72\u4e0d\u5230\u5e74\u8f15\u4eba\u6709\u4fe1\u7528\u4e0d\u826f\u8a18\u9304\uff0c\u4eca\u5929\u7684Credit Karma\u9084\u662f\u767c\u73fe\u6709\u4e94\u5206\u4e4b\u4e00\u7684\u5b78\u8cb8\u65cf\u6253\u7b97\u4e0d\u7e73\u7d66\u5b83\u4fe1\u7528\u4e0d\u826f\uff0c\u9019\u9ebc\u5371\u6a5f\u4eba\u751f\u7684\u8a0a\u865f\uff0c\u771f\u8981\u8996\u800c\u4e0d\u898b\u55ce\uff1f<\/p>\n\n\n\n<p>\u6216\u8a31\u4e0d\u662f\u8996\u800c\u4e0d\u898b\uff0c\u800c\u662f\u6709\u5fc3\u7121\u529b\uff0c\u4f46\u662f\u53ea\u8981\u5fc3\u6709\u9918\u529b\u5c31\u8a72\u53bb\u7dad\u6301\u4e00\u4e0b\u597d\u4fe1\u7528\uff0c\u56e0\u70ba\u5b83\u9664\u4e86\u8ddf\u80fd\u4e0d\u80fd\u8cb8\u5230\u6b3e\u8207\u591a\u5c11\u984d\u5ea6\u6709\u95dc\uff0c\u66f4\u8ddf\u5229\u7387\u7d81\u5728\u4e00\u8d77\u3002\u81ea2022\u5e74\u521d\u4ee5\u4f86\uff0c\u500b\u4eba\u8cb8\u6b3e\u7684\u5229\u7387\u5c31\u958b\u59cb\u8d70\u9ad8\uff0c\u9019\u7576\u7136\u8207\u806f\u6e96\u6703\u5347\u606f\u6709\u95dc\uff0c\u6240\u4ee5\u4eca\u5e74\u4e5d\u6708\u806f\u6e96\u6703\u958b\u59cb\u964d\u606f\u5faa\u74b0\uff0c\u4e00\u5806\u4eba\u4e5f\u6eff\u5fc3\u671f\u5f85\u8cb8\u6b3e\u5229\u7387\u8981\u8ddf\u8457\u8d70\u4f4e\u4e86\uff0c\u53ef\u662f\u5c08\u5bb6\u8aaa\u6216\u8a31\u6703\uff0c\u4f46\u6c92\u90a3\u9ebc\u5feb\uff0c\u751a\u81f3\u672a\u5fc5\u76f4\u63a5\u76f8\u95dc\u3002<\/p>\n\n\n\n<p>\u5967\u514b\u62c9\u8377\u99ac\u5ddeTulsa\u7684WeStreet Credit Union\uff0c\u6d88\u8cbb\u6027\u8cb8\u6b3e\u7e3d\u76e3Jean Hopkins\u8aaa\uff1a\u300c\u901a\u5e38\u60c5\u6cc1\u4e0b\uff0c\u6211\u5011\u4e0d\u8a8d\u70ba\u500b\u4eba\u4fe1\u8cb8\u5229\u7387\uff0c\u6703\u56e0\u806f\u90a6\u5229\u7387\u4e0b\u964d\u800c\u4e0b\u964d\u3002\u300d\u5979\u8868\u793a\uff0c\u806f\u6e96\u6703\u7684\u5229\u7387\u8b8a\u52d5\u5c0d\u4fe1\u7528\u5361\u8207\u623f\u8cb8\u5f71\u97ff\u6bd4\u8f03\u5927\uff0c\u500b\u4eba\u4fe1\u8cb8\u5247\u53d7\u66f4\u5ee3\u7684\u7d93\u6fdf\u56e0\u7d20\u6240\u9a45\u52d5\uff0c\u4f8b\u5982\u901a\u8ca8\u81a8\u8139\u548c\u5931\u696d\u7387\uff0c\u6545\u500b\u4eba\u6240\u671f\u5f85\u7684\u4fe1\u8cb8\u5229\u7387\uff0c\u4fbf\u53d7\u8cb8\u6b3e\u4eba\u7684\u4fe1\u7528\u5ea6\u548c\u6536\u5165\u5f71\u97ff\u6700\u5927\u3002<\/p>\n\n\n\n<p>\u500b\u4eba\u91d1\u878d\u516c\u53f8NerdWallet\u5c31\u63d0\u51fa\u4e86\u4e00\u4e9b\u964d\u4f4e\u500b\u4eba\u4fe1\u8cb8\u5229\u7387\u7684\u5c0f\u62db\u6578\uff0c\u7b2c\u4e00\u689d\u91d1\u79d1\u7389\u5f8b\u4fbf\u662f\u7dad\u6301\u9ad8\u4fe1\u7528\u5206\u6578\u3002\u9019\u53ef\u80fd\u662f\u8001\u751f\u5e38\u8ac7\uff0c\u6703\u6709\u4eba\u4e0d\u77e5\u9053\u9ad8\u4fe1\u7528\u8005\u5f80\u5f80\u53ef\u4ee5\u62ff\u5230\u8f03\u4f4e\u7684\u5229\u7387\u55ce\uff1f\u4f46\u77e5\u9053\u6b78\u77e5\u9053\uff0c\u6301\u4e4b\u4ee5\u6046\u53ef\u662f\u96e3\u4e8b\u3002\u9ebb\u5dde\u7684Bickling Financial Services\u7684\u8a3b\u518a\u8ca1\u52d9\u898f\u5283\u5e2bSpencer Betts\u8868\u793a\uff0c\u501f\u6b3e\u4eba\u5728\u7533\u8acb\u500b\u4eba\u8cb8\u6b3e\u4e4b\u524d\uff0c\u61c9\u8a72\u6aa2\u67e5\u4e00\u4e0b\u81ea\u5df1\u7684\u4fe1\u7528\u5831\u544a\uff0c\u4e26\u8a18\u4e0b\u4efb\u4f55\u903e\u671f\u7684\u4fe1\u7528\u5e33\u6236\uff0c\u6216\u8005\u4f60\u6240\u4e0d\u8a8d\u8b58\u7684\u5e33\u6236\uff0c\u56e0\u70ba\u9019\u53ef\u80fd\u4ee3\u8868\u8eab\u4efd\u88ab\u76dc\u4e86\u3002\u800c\u9019\u4e00\u5207\u90fd\u53ef\u5728AnnualCreditReport.com\u4e0a\uff0c\u514d\u8cbb\u770b\u5230\u6bcf\u9031\u7684\u4fe1\u7528\u5831\u544a\u3002<\/p>\n\n\n\n<p>Hopkins\u6307\u51fa\uff0c\u60f3\u8981\u7dad\u6301\u6216\u63d0\u9ad8\u4fe1\u7528\u8a55\u5206\u7684\u6f5b\u5728\u501f\u6b3e\u4eba\uff0c\u6309\u6642\u7e73\u4fe1\u7528\u5361\u8cbb\u548c\u5176\u5b83\u8cb8\u6b3e\u662f\u4e0d\u4e8c\u6cd5\u9580\uff0c\u56e0\u70ba\u7e73\u6b3e\u6b77\u53f2\u662f\u8a08\u7b97\u4fe1\u7528\u5206\u6578\u6642\u6700\u91cd\u8981\u7684\u56e0\u7d20\u3002\u5979\u9084\u8868\u793a\uff0c\u501f\u6b3e\u4eba\u61c9\u8a72\u4fdd\u6301\u8f03\u4f4e\u7684\u4fe1\u8cb8\u5229\u7528\u7387\uff0c\u5373\u5728\u4fe1\u7528\u5361\u7b49\u5faa\u74b0\u5e33\u6236\u4e0a\uff0c\u5df2\u4f7f\u7528\u7684\u53ef\u7528\u4fe1\u8cb8\u767e\u5206\u6bd4\u3002\u5979\u8aaa\uff1a\u300c\u5982\u679c\u4f60\u7528\u4fe1\u7528\u5361\u501f\u9322\uff0c\u78ba\u4fdd\u6240\u501f\u7684\u9322\u4e0d\u8d85\u904e\u8a72\u4fe1\u7528\u984d\u5ea6\u9918\u984d\u7684 30%\u621640%\u3002\u300d<\/p>\n\n\n\n<p>\u60f3\u8981\u8ddf\u9280\u884c\u8981\u500b\u597d\u5229\u7387\uff0c\u7b2c\u4e8c\u9ede\u8981\u8003\u91cf\u7684\u4fbf\u662f\u50b5\u6536\u6bd4(debt-to-income, DTI)\uff0c\u6bcf\u6708\u7e3d\u50b5\u52d9\u652f\u51fa\u4f54\u6bcf\u6708\u7e3d\u6536\u5165\u6bd4\uff0c\u9019\u7576\u7136\u662f\u8d8a\u4f4e\u8d8a\u597d\u3002\u582a\u85a9\u65af\u5dde\u7684\u8a8d\u8b49\u8ca1\u52d9\u9867\u554fJen Hemphill\u5efa\u8b70\uff0c\u5c07DTI\u4fdd\u6301\u572830%\u6216\u66f4\u4f4e\u3002\u96d6\u7136\u4e5f\u6709\u4e00\u4e9b\u8cb8\u65b9\u9858\u610f\u63a5\u53d7\u66f4\u9ad8\u7684\u6bd4\u4f8b\uff0c\u4f46\u5982\u679cDTI\u8f03\u9ad8\uff0c\u9084\u662f\u61c9\u8003\u616e\u5728\u7533\u8acb\u500b\u4eba\u8cb8\u6b3e\u4e4b\u524d\u511f\u9084\u6389\u4e00\u4e9b\u50b5\u52d9\uff0c\u4ee5\u964d\u4f4e\u9019\u500b\u6bd4\u4f8b\uff0c\u9032\u800c\u6709\u6a5f\u6703\u7372\u5f97\u66f4\u597d\u7684\u5229\u7387\u3002<\/p>\n\n\n\n<p>Hopkins\u8aaa\u7576\u7136\u9084\u6709\u53e6\u7a2e\u65b9\u6cd5\uff0c\u5c31\u662f\u589e\u52a0\u6536\u5165\uff0c\u4f46\u9019\u53ef\u80fd\u662f\u4e00\u9805\u8271\u9245\u7684\u4efb\u52d9\uff0c\u4e0d\u904e\u5728\u7533\u8acb\u8cb8\u6b3e\u6642\u4ecd\u662f\u6709\u6280\u5de7\u7684\uff0c\u76e1\u91cf\u5305\u542b\u5230\u6240\u6709\u6536\u5165\u4f86\u6e90\uff0c\u56e0\u70ba\u8a31\u591a\u8cb8\u65b9\u5728\u8a08\u7b97DTI\u6642\u4e5f\u6703\u8a08\u7b97\u9032\u8d0d\u990a\u8cbb\u3001\u5b50\u5973\u6276\u990a\u8cbb\u548c\u793e\u6703\u5b89\u5168\u91d1\uff0c\u751a\u81f3\u53ef\u4ee5\u5c07\u4f34\u4fb6\u7684\u85aa\u6c34\u4e5f\u7b97\u9032\u5bb6\u5ead\u6536\u5165\u3002<\/p>\n\n\n\n<p>\u63a5\u4e0b\u4f86\u662f\u8cb8\u6bd4\u4e09\u5bb6\u4e0d\u5403\u8667\uff0c\u8cb8\u65b9\u60f3\u7576\u7136\u8033\u662f\u9760\u653e\u8cb8\u624d\u6709\u71df\u6536\uff0c\u6240\u4ee5\u5728\u8cb8\u65b9\u591a\u9762\u8003\u616e\u501f\u65b9\u689d\u4ef6\u6642\uff0c\u501f\u65b9\u4e5f\u53ef\u591a\u6bd4\u8cb8\u65b9\u7d66\u7684\u689d\u4ef6\u3002\u6bcf\u5bb6\u8cb8\u65b9\u90fd\u6709\u81ea\u5df1\u7684\u8cc7\u683c\u8981\u6c42\u548c\u627f\u8cb8\u6d41\u7a0b\uff0c\u56e0\u6b64\u501f\u65b9\u662f\u53ef\u80fd\u5f9e\u4e0d\u540c\u7684\u8cb8\u65b9\u7372\u5f97\u4e0d\u540c\u7684\u5be6\u8cea\u5e74\u5229\u7387(APR)\uff0c\u800c\u9019\u9ede\u53ef\u4ee5\u5148\u5728\u8a31\u591a\u7406\u8ca1\u7db2\u7ad9\u4e0a\u9032\u884c\u8a66\u7b97\uff0c\u8b93\u81ea\u5df1\u6709\u500b\u5e95\u5f8c\u518d\u4f86\u770b\u8cb8\u65b9\u958b\u51fa\u7684\u689d\u4ef6\u3002<\/p>\n\n\n\n<p>Hemphill\u7279\u5225\u5efa\u8b70\u8981\u6ce8\u610f\u8cb8\u65b9\u958b\u51fa\u7684\u9084\u6b3e\u689d\u4ef6\uff0c\u4ee5\u53ca\u5b83\u5011\u5982\u4f55\u5f71\u97ff\u501f\u65b9\u5728\u8cb8\u6b3e\u671f\u9650\u5167\u6240\u652f\u4ed8\u7684\u5229\u606f\u7e3d\u984d\u3002\u5979\u8aaa\uff0c\u9577\u671f\u8cb8\u6b3e\u96d6\u7136\u53ef\u80fd\u5f88\u6709\u9b45\u529b\uff0c\u56e0\u70ba\u5b83\u5011\u6703\u964d\u4f4e\u501f\u65b9\u7684\u6bcf\u6708\u9084\u6b3e\u984d\uff0c\u4f46\u4e5f\u6703\u589e\u52a0\u8cb8\u6b3e\u7684\u7e3d\u6210\u672c\u3002\u53e6\u5916\uff0c\u5982\u679c\u6709\u5169\u500b\u65d7\u9f13\u76f8\u7576\u7684\u8cb8\u6b3e\u512a\u60e0\uff0c\u63a5\u4e0b\u4f86\u5c31\u8981\u6bd4\u8f03\u798f\u5229\u548c\u529f\u80fd\uff0c\u4ee5\u78ba\u5b9a\u90a3\u500b\u6700\u9069\u5408\u81ea\u5df1\u3002\u4f8b\u5982\uff0c\u4e00\u4e9b\u8cb8\u65b9\u70ba\u8a2d\u5b9a\u81ea\u52d5\u8f49\u5e33\uff0c\u6216\u5728\u7372\u5f97\u50b5\u52d9\u6574\u5408\u8cb8\u6b3e\u4ee5\u5e6b\u5fd9\u6e05\u511f\u5176\u5b83\u50b5\u52d9\u6642\uff0c\u63d0\u4f9b\u4e00\u4e9b\u5229\u7387\u6298\u6263\u3002\u6709\u4e9b\u5247\u6703\u5e6b\u5fd9\u5efa\u7acb\u4fe1\u7528\u63f4\u52a9\uff0c\u4ee5\u4fbf\u501f\u65b9\u5728\u511f\u9084\u8cb8\u6b3e\u6642\u63d0\u9ad8\u5206\u6578\u3002<\/p>\n\n\n\n<p>\u689d\u4ef6\u6eff\u5929\u4e0b\uff0c\u5c31\u770b\u6709\u5fc3\u4eba\uff0c\u53ef\u60dc\u7f8e\u570b\u4eba\u5c0d\u511f\u50b5\u5f88\u4e0d\u4e0a\u5fc3\u30022018\u5e74CreditCard.com\u505a\u4e86\u4efd\u8abf\u7814\uff0c\u767c\u73fe\u6709\u8fd1\u4e03\u6210\u7684\u7f8e\u570b\u6210\u5e74\u4eba\u8aaa\uff0c\u6c92\u6709\u4fe1\u5fc3\u6709\u751f\u4e4b\u5e74\u9084\u5149\u50b5\u52d9\u3002\u90a3\u9084\u662f\u761f\u75ab\u7206\u767c\u4e4b\u524d\u7684\u4e0d\u592a\u5dee\u65e5\u5b50\uff0c\u6240\u4ee5\u4ee5\u50b5\u990a\u50b5\u4f3c\u4e4e\u5df2\u6210\u5e38\u614b\uff0c\u4f46\u5c31\u7b97\u5982\u6b64\uff0c\u524d\u63d0\u9084\u662f\u8981\u6709\u4fe1\u7528\uff0c\u56e0\u6b64\u53ef\u8aaa\u4fe1\u7528\u662f\u4eba\u751f\u6700\u5927\u7684\u8ca1\u5bcc\uff0c\u4e5f\u53ef\u8aaa\u662f\u7acb\u570b\u4e4b\u6839\u672c\u3002<\/p>\n\n\n\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=\"local,feature,money,opinion,%e9%a7%90%e7%ab%99%e4%bd%9c%e5%ae%b6\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1729725545\"\r\n\t            data-title=\"\u8209\u50b5\u8aa0\u597d\u7528\u4fe1\u7528\u50f9\u66f4\u9ad8\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u5bc5\u5403\u536f\u7ce7\u7684\u8209\u50b5\u751f\u6d3b\uff0c\u5e7e\u4e4e\u5df2\u6210\u7f8e\u570b\u6587\u5316\u7684\u4e00\u90e8\u5206\uff0c\u4e0a\u81ea\u5168\u4e16\u754c\u6700\u5927\u7684\u8209\u50b5\u570b\uff0c\u4e0b\u81f3\u5eb6\u6c11\u767e\u59d3\u9760\u900f\u652f\u904e\u65e5\u5b50\u3002<\/p>\n","protected":false},"author":1,"featured_media":267103,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"episode_type":"audio","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","jetpack_post_was_ever_published":false,"_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},"categories":[7,138,18,31,139],"tags":[3739,1744,1702,3740,3738,1717],"series":[],"class_list":["post-267102","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-local","category-feature","category-money","category-opinion","category-139","tag-3739","tag-1744","tag-1702","tag-3740","tag-3738","tag-1717"],"aioseo_notices":[],"featured_image_urls":{"medium":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2024\/10\/\u8209\u50b5\u8aa0\u597d\u7528-\u4fe1\u7528\u50f9\u66f4\u9ad8-300x168.png","thumbnail":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2024\/10\/\u8209\u50b5\u8aa0\u597d\u7528-\u4fe1\u7528\u50f9\u66f4\u9ad8-150x150.png","post-thumbnail-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2024\/10\/\u8209\u50b5\u8aa0\u597d\u7528-\u4fe1\u7528\u50f9\u66f4\u9ad8-600x330.png","round-personnel-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2024\/10\/\u8209\u50b5\u8aa0\u597d\u7528-\u4fe1\u7528\u50f9\u66f4\u9ad8-400x336.png","small-grid-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2024\/10\/\u8209\u50b5\u8aa0\u597d\u7528-\u4fe1\u7528\u50f9\u66f4\u9ad8-400x300.png","portrait":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2024\/10\/\u8209\u50b5\u8aa0\u597d\u7528-\u4fe1\u7528\u50f9\u66f4\u9ad8-500x336.png","post-board-1-2":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2024\/10\/\u8209\u50b5\u8aa0\u597d\u7528-\u4fe1\u7528\u50f9\u66f4\u9ad8-450x336.png","post-board-2-2":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2024\/10\/\u8209\u50b5\u8aa0\u597d\u7528-\u4fe1\u7528\u50f9\u66f4\u9ad8-600x332.png"},"appp_media":null,"episode_featured_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2024\/10\/\u8209\u50b5\u8aa0\u597d\u7528-\u4fe1\u7528\u50f9\u66f4\u9ad8.png","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=\"IZrSaxjXAe\"><a href=\"https:\/\/newsforchinese.com\/v3\/2024\/10\/23\/%e8%88%89%e5%82%b5%e8%aa%a0%e5%a5%bd%e7%94%a8%e4%bf%a1%e7%94%a8%e5%83%b9%e6%9b%b4%e9%ab%98\/\">\u8209\u50b5\u8aa0\u597d\u7528\u4fe1\u7528\u50f9\u66f4\u9ad8<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/newsforchinese.com\/v3\/2024\/10\/23\/%e8%88%89%e5%82%b5%e8%aa%a0%e5%a5%bd%e7%94%a8%e4%bf%a1%e7%94%a8%e5%83%b9%e6%9b%b4%e9%ab%98\/embed\/#?secret=IZrSaxjXAe\" width=\"500\" height=\"350\" title=\"&#8220;\u8209\u50b5\u8aa0\u597d\u7528\u4fe1\u7528\u50f9\u66f4\u9ad8&#8221; &#8212; News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" data-secret=\"IZrSaxjXAe\" 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\/2024\/10\/\u8209\u50b5\u8aa0\u597d\u7528-\u4fe1\u7528\u50f9\u66f4\u9ad8.png","jetpack-related-posts":[{"id":278983,"url":"https:\/\/newsforchinese.com\/v3\/2025\/06\/21\/%e9%82%84%e5%a5%bd%ef%bc%81%e5%8a%a0%e5%b7%9e%e4%ba%ba%e7%9a%84%e4%bf%a1%e7%94%a8%e9%82%84%e5%a5%bd\/","url_meta":{"origin":267102,"position":0},"title":"\u9084\u597d\uff01\u52a0\u5dde\u4eba\u7684\u4fe1\u7528\u9084\u597d","author":"Raymond","date":"June 21, 2025","format":false,"excerpt":"\u53ea\u8981\u5148\u62ff\u5225\u4eba\u7684\u9322\u4f86\u82b1\u7528\u5c31\u6703\u7522\u751f\u4fe1\u7528\u554f\u984c\uff0c\u73fe\u4ee3\u4eba\u53c8\u6709\u5e7e\u500b\u80fd\u62b5\u5236\u5b83\u800c\u6d3b\u8457\u5462\uff1f\u8cb7\u623f\u5b50\u9760\u623f\u8cb8\u3001\u6d88\u8cbb\u9760\u4fe1\u7528\u5361\u3001\u5275\u4e8b\u696d\u9760\u878d\u8cc7\uff0c\u6240\u4ee5\u4fe1\u7528\u4e43\u751f\u5b58\u4e4b\u9053\u3002\u52a0\u5dde\u4eba\u7684\u4fe1\u7528\u5982\u4f55\u5462\uff1f\u9084\u597d\uff0c\u771f\u7684\u9084\u597d\u3002 \u5357\u52a0\u65b0\u805e\u96c6\u5718\u5229\u7528\u5169\u5927\u4fe1\u7528\u8a55\u5206\u6a5f\u69cb\uff0cFICO\u548cVantageScore\u7684\u6578\u64da\u4f86\u505a\u5dde\u5e73\u5747\u4fe1\u8a55\u5206\u6578\uff0c\u767c\u73fe\u52a0\u5dde\u7684\u8868\u73fe\u7b97\u300c\u826f\u597d\u300d\u3002\u53bb\u5e74\u52a0\u5dde\u4eba\u7684\u5e73\u5747\u4fe1\u8a55\u5206\u6578\u70ba714\uff0c\u82e5\u5c0d\u6b64\u6578\u5b57\u6c92\u6982\u5ff5\uff0c\u9019\u5169\u5bb6\u7684\u4fe1\u8a55\u5206\u6578\u662f\u5f9e\u6700\u9ad8850\u5206\u5230\u6700\u4f4e300\u5206\u4e4b\u9593\u5206\u826f\u83a0\u3002\u6839\u64da\u4fe1\u7528\u6a5f\u69cbExperian\u7684\u8aaa\u6cd5\uff0c714\u5206\u5c6c\u65bc\u300c\u826f\u597d\u300d\u7bc4\u570d\u3002Experian\u5728\u4fe1\u8a55\u6307\u5357\u4e2d\u89e3\u91cb\u9053\uff1a\u300c\u8cb8\u6b3e\u6a5f\u69cb\u5c07\u4fe1\u8a55\u8655\u65bc\u826f\u597d\u7bc4\u570d\u5167\u7684\u6d88\u8cbb\u8005\u8996\u70ba\u300e\u53ef\u63a5\u53d7\u7684\u300f\u501f\u6b3e\u4eba\uff0c\u4e26\u53ef\u80fd\u5411\u4ed6\u5011\u63d0\u4f9b\u5404\u7a2e\u4fe1\u8cb8\u7522\u54c1\uff0c\u5118\u7ba1\u4e0d\u4e00\u5b9a\u63d0\u4f9b\u6700\u4f4e\u7684\u5229\u7387\u3002\u300d FICO\u7684\u4fe1\u8a55\u5206\u6578\u5728670\u81f3739\u9593\u88ab\u8a8d\u5b9a\u70ba\u300c\u826f\u597d\u300d\uff0c\u5f9e740\u81f3799\u70ba\u300c\u5f88\u597d\u300d\uff0c800\u4ee5\u4e0a\u5247\u70ba\u300c\u68d2\u6975\u4e86\u300d\uff0c\u56e0\u6b64\u5728\u5b83\u7684\u5206\u6790\u4e0b\uff0c\u7f8e\u570b\u4eba\u4fe1\u7528\u826f\u597d\u4ee5\u4e0a\u8005\u5360\u4e86\u4eba\u53e3\u7684\u4e03\u6210\u591a\u3002VantageScore\u5247\u5206\u56db\u7d1a\uff0c661\u5206\u4ee5\u4e0a\u5206\u70ba\u300c\u512a\u300d\u8207\u300c\u8d85\u512a\u300d\uff0c\u4e5f\u662f\u7d04\u4e03\u6210\u7f8e\u570b\u4eba\u53ef\u6b78\u65bc\u6b64\u3002\u5728\u4ed6\u5011\u7684\u8a55\u4f30\u4e2d\uff0c\u6709\u4e0b\u5217\u4e94\u5927\u56e0\u7d20\u5f71\u97ff\u4fe1\u8a55\u5206\u6578\uff1a\u7e73\u6b3e\u6b77\u53f2\u3001\u4fe1\u7528\u4f7f\u7528\u72c0\u6cc1\u3001\u4fe1\u7528\u6b77\u53f2\u9577\u5ea6\u3001\u5e33\u6236\u985e\u578b\u8207\u6700\u8fd1\u5e33\u6236\u6d3b\u52d5\u3002 \u7e73\u6b3e\u6b77\u53f2\u7c21\u55ae\u8aaa\u5373\u70ba\u662f\u5426\u6309\u6642\u7e73\u6b3e\uff0c\u7121\u4efb\u4f55\u9072\u7e73\u6216\u672a\u7e73\u8a18\u9304\uff0c\u5206\u6578\u7576\u7136\u5c31\u9ad8\uff0c\u53cd\u4e4b\u5247\u6158\u3002\u5728\u9019\u5169\u5bb6\u7684\u8a55\u5206\u6a19\u6e96\u4e2d\uff0c\u7e73\u6b3e\u53f2\u90fd\u662f\u5360\u6bd4\u6700\u9ad8\u7684\uff0c\u76f8\u4fe1\u5728\u696d\u754c\u6216\u5176\u5b83\u4fe1\u7528\u6a19\u6e96\u4e0a\u4e5f\u6703\u662f\u5982\u6b64\uff0c\u7562\u7adf\u4fe1\u7528\u610f\u5473\u8457\u6709\u501f\u6709\u9084\uff0c\u6709\u501f\u7121\u9084\u9084\u6709\u4ec0\u9ebc\u597d\u8ac7\u7684\u3002\u597d\u4fe1\u7528\u6709\u4ec0\u9ebc\u597d\u8655\uff0c\u7576\u7136\u5c31\u662f\u597d\u501f\u9322\u56c9\u3002\u4ee5\u653f\u5e9c\u652f\u6301\u7684\u8cb8\u6b3e\u8981\u6c42\u4f86\u8aaa\uff0c\u806f\u90a6\u4f4f\u623f\u7ba1\u7406\u5c40(FHA)\u623f\u8cb8\u8981\u6c42500\u81f3579\u5206\u8005\uff0c\u9996\u4ed8\u8981\u4e00\u6210\uff0c580\u4ee5\u4e0a\u8005\u9996\u4ed8\u53ea\u89813.5%\uff0c\u5982\u679c\u8cb7\u4e00\u767e\u842c\u7684\u623f\u5b50\uff0c\u4fe1\u7528\u597d\u4e0d\u597d\u5c31\u5f70\u986f\u5728\u9996\u4ed8\u5dee\u4e866.5\u842c\u3002\u806f\u90a6\u8fb2\u696d\u90e8\u6709\u652f\u63f4\u90ca\u5340\u8207\u504f\u9060\u5730\u5340\u4f4e\u6536\u5165\u6236\u7684\u623f\u5c4b\u8cb8\u6b3e\uff0c\u96d6\u6c92\u8a2d\u6700\u4f4e\u5206\u6578\uff0c\u4f46\u653e\u8cb8\u8005\u901a\u5e38\u6703\u8981\u6c42580\u81f3620\u4e4b\u9593\u7684\u5206\u6578\u3002\u9000\u8f14\u6703(VA)\u4e5f\u6709\u653e\u8cb8\u696d\u52d9\uff0c\u7d66\u73fe\u5f79\u8207\u9000\u5f79\u8ecd\u4eba\u5e6b\u52a9\u8cb7\u623f\u7528\u7684\uff0c\u7136\u800c\u9019\u9ebc\u653f\u7b56\u6027\u7684\u8cb8\u6b3e\u652f\u63f4\u9084\u662f\u8981\u6c42\u4e86620\u4ee5\u4e0a\u8005\u624d\u80fd\u53d7\u60e0\u3002 \u9019\u4e9b\u806f\u90a6\u6a5f\u95dc\u7684\u623f\u8cb8\u653f\u7b56\u8981\u6c42\u7684\u4fe1\u7528\u90fd\u4e0d\u9ad8\uff0c\u5728\u9019\u5169\u5bb6\u4fe1\u8a55\u6a5f\u69cb\u7684\u5206\u7d1a\u4e2d\u6b78\u5728\u6709\u5206\u6578\u53ef\u770b\u7684\u300c\u5dee\u300d\u548c\u300c\u52a3\u300d\u4ee5\u4e0a\uff0c\u4f46\u9084\u662f\u6709\u8981\u6c42\uff0c\u6240\u4ee5\u5373\u4f7f\u653f\u5e9c\u518d\u600e\u9ebc\u60f3\u5e6b\u4eba\u6c11\uff0c\u4eba\u6c11\u9084\u662f\u9700\u8981\u6709\u57fa\u672c\u7684\u4fe1\u7528\u3002\u800c\u9020\u6210\u4fe1\u7528\u4e0d\u826f\u7684\u6700\u5e38\u898b\u539f\u56e0\u5c31\u662f\u4fe1\u7528\u5361\u50b5\uff0c\u96d6\u7136\u5927\u5b78\u751f\u4e5f\u5bb9\u6613\u56e0\u5b78\u8cb8\u6c92\u7e73\u800c\u88ab\u8a18\u9304\u4e0b\u4f86\uff0c\u5982\u4eca\u9032\u5165\u8a31\u591a\u570b\u5bb6\u516c\u5712\u90fd\u5f97\u8981\u7528\u4fe1\u7528\u5361\u4e86\uff0c\u6240\u4ee5\u82e5\u4fe1\u7528\u4e0d\u826f\uff0c\u5373\u4f7f\u624b\u4e0a\u6709\u73fe\u91d1\u4e5f\u7121\u6cd5\u9032\u570b\u5bb6\u516c\u5712\u8eb2\u50b5\u3002 \u7d10\u7d04\u806f\u90a6\u5132\u5099\u9280\u884c\u767c\u8868\u7684\u53bb\u5e74\u7b2c\u4e09\u5b63\u5bb6\u5ead\u50b5\u52d9\u8207\u4fe1\u7528\u5831\u544a\u986f\u793a\uff0c\u7f8e\u570b\u5bb6\u5ead\u50b5\u52d9\u7e3d\u984d\u9054\u523017.8\u5146\u5143\uff0c\u96d6\u7136\u7d55\u5927\u90e8\u5206\u662f\u623f\u8cb8\uff0c\u4f46\u4fe1\u7528\u5361\u50b5\u4e5f\u4e0d\u5bb9\u5c0f\u89b7\uff0c\u5176\u4e2d\u67091.6\u5146\u662f\u672a\u6e05\u511f\u7684\u5361\u50b5\u3002\u6709\u7dda\u96fb\u8996\u65b0\u805e\u7db2NewsNation\u8abf\u67e5\u4e5f\u986f\u793a\u7576\u6642\u7684\u5361\u50b5\u56b4\u91cd\u6027\uff0c\u7f8e\u570b\u4eba\u7684\u5e73\u5747\u672a\u511f\u5361\u50b5\u70ba$6,329\uff0c\u5df2\u5f9e2021\u5e74\u4ee5\u4f86\u6f32\u4e86\u4e09\u6210\u3002\u500b\u4eba\u7406\u8ca1\u7db2Bankrate\u7576\u6642\u767c\u73fe\uff0c\u6709\u8d85\u904e\u4e00\u534a\u7684\u6301\u5361\u4eba\u662f\u904e\u8457\u6bcf\u6708\u4ee5\u5361\u50b5\u990a\u5361\u50b5\u7684\u751f\u6d3b\uff0c\u670936%\u7684\u7f8e\u570b\u4eba\u5361\u50b5\u91d1\u984d\u6bd4\u8eab\u4e0a\u7684\u7dca\u6025\u9810\u5099\u91d1\u9084\u591a\u3002 \u7136\u800c\u4fe1\u7528\u5361\u5faa\u74b0\u5229\u606f\u4e0d\u624b\u8edf\uff0c\u4e00\u65e6\u4fe1\u7528\u5e33\u6236\u9918\u984d\u4e0d\u6253\u5e73\uff0c\u4fbf\u662f\u958b\u555f\u4e86\u5eff\u8db4\u4ee5\u4e0a\u7684\u5faa\u74b0\u5229\u606f\uff0c\u72e0\u4e00\u9ede\u7684\u9084\u9ad8\u905436%\uff0c\u5df2\u7d93\u662f\u9ad8\u5229\u8cb8\u7b49\u7d1a\uff0c\u6240\u4ee5\u4fe1\u7528\u82e5\u8981\u597d\uff0c\u4fe1\u7528\u5361\u50b5\u4e00\u5b9a\u8981\u5148\u7e73\u3002LendingTree\u9996\u5e2d\u4fe1\u8cb8\u5206\u6790\u5e2bMatt Schulz\u8868\u793a\uff1a\u300c\u4eba\u5011\u61c9\u8a72\u512a\u5148\u511f\u9084\u4fe1\u7528\u5361\u50b5\u52d9\u7684\u6700\u5927\u539f\u56e0\u662f\uff0c\u5361\u50b5\u53ef\u80fd\u662f\u6240\u6709\u50b5\u52d9\u4e2d\u5229\u7387\u6700\u9ad8\u7684\uff0c\u9019\u610f\u5473\u8457\u5b83\u7684\u5229\u6efe\u5229\u901f\u5ea6\u9a5a\u4eba\u4e14\u58d3\u6b7b\u4eba\u3002\u300d \u907f\u514d\u5361\u50b5\u574a\u9593\u5df2\u6709\u975e\u5e38\u591a\u7684\u6559\u6230\u624b\u5247\uff0c\u4e0d\u5916\u4e4e\u5229\u7387\u9ad8\u7684\u4e00\u5b9a\u8981\u5148\u9084\u3001\u8acb\u6c42\u964d\u4f4e\u5229\u7387\u3001\u63db\u5f35\u9918\u984d\u53ef\u8f49\u4fe1\u7528\u5361\u8207\u627e\u5bb6\u9867\u554f\u516c\u53f8\u6c42\u6551\u5427\u7b49\u3002\u4f46\u5230\u4e86\u6700\u5f8c\u95dc\u982d\uff0c\u5373\u518d\u600e\u9ebc\u64e0\u7834\u982d\u4e5f\u9084\u4e0d\u4e86\u5361\u50b5\uff0c\u90a3\u5c31\u5269\u4e0b\u5354\u5546\u4e00\u689d\u8def\u4e86\uff0c\u901a\u5e38\u662f\u6253\u96fb\u8a71\u7d66\u4fe1\u7528\u5361\u516c\u53f8\uff0c\u8aa0\u5be6\u544a\u77e5\u8ca1\u52d9\u72c0\u6cc1\uff0c\u7136\u5f8c\u5c31\u770b\u4ed6\u5011\u9858\u4e0d\u9858\u610f\u4f9d\u7167\u7e73\u6b3e\u53f2\u8207\u6b20\u6b3e\u91d1\u984d\u4f86\u9032\u884c\u300c\u5354\u5546\u300d\u3002 \u53ef\u662f\u4e00\u65e6\u5e33\u6236\u88ab\u6a19\u8a18\u6210\u300c\u5354\u5546\u300d\uff0c\u540c\u6a23\u6703\u5728\u4fe1\u7528\u8a18\u9304\u4e0a\u88ab\u8a18\u4e0a\u4e00\u7b46\uff0c\u4e0d\u5229\u672a\u4f86\u4fe1\u8a55\uff0c\u56e0\u6b64\u53c8\u7522\u751f\u4e86\u53e6\u500b\u9078\u9805\u8207\u884c\u696d\uff0c\u5373\u627e\u7b2c\u4e09\u65b9\u50b5\u52d9\u6e1b\u514d\u516c\u53f8\u3002\u4e0d\u904e\u6d88\u8cbb\u8005\u91d1\u878d\u4fdd\u8b77\u5c40(CFPB)\u8b66\u544a\u8aaa\uff0c\u627e\u5b83\u5011\u5343\u842c\u8981\u8b39\u614e\uff0c\u9019\u4e9b\u71df\u5229\u6027\u7684\u50b5\u52d9\u6e05\u7406\u516c\u53f8\u7d93\u5e38\u6703\u9f13\u52f5\u5361\u5974\u5011\u505c\u6b62\u7e73\u5361\u8cbb\uff0c\u4ee5\u4fbf\u5728\u5354\u5546\u4e2d\u7372\u5f97\u7c4c\u78bc\uff0c\u7136\u800c\u9019\u9435\u5b9a\u6703\u640d\u5bb3\u4fe1\u7528\u8a55\u5206\uff0c\u4e14\u4ed6\u5011\u6536\u8cbb\u7167\u6a23\u5687\u4eba\u3002 \u518d\u56de\u5230\u52a0\u5dde\u4eba\u9084\u597d\u7684714\u5206\u5e73\u5747\u4fe1\u8a55\uff0c\u9019\u5206\u6578\u7b97\u597d\u55ce\uff1f\u8eca\u8cb8\u3001\u623f\u8cb8\u8207\u4fe1\u8cb8\u7b49\u6240\u6709\u8cb8\u6b3e\u5e7e\u4e4e\u53ef\u8cb8\uff0c\u4e5f\u80fd\u627e\u5230\u4e00\u5f35\u4e0d\u932f\u7684\u4fe1\u7528\u5361\u3002\u7b97\u58de\u55ce\uff1fExperian\u8aaa\u300c\u5f88\u597d\u300d\u8207\u300c\u68d2\u6975\u4e86\u300d\u7684\u4eba\u66f4\u591a\uff0c\u6240\u4ee5\u722d\u53d6\u689d\u4ef6\u6642\u512a\u52e2\u4e0d\u5927\u3002\u96d6\u7136\u662f\u5728\u8b1b\u500b\u4eba\u4fe1\u7528\uff0c\u4f46\u9019\u6a23\u7684\u611f\u89ba\u653e\u5728\u5dde\u7684\u5370\u8c61\u5206\u6578\u4e0a\u597d\u50cf\u4e5f\u5982\u6b64\uff1a\u5c31\u9084\u597d\u561b\uff01 \u8a18\u8005 Pegasus J. Juan","rel":"","context":"In &quot;\u5730\u65b9\u65b0\u805e&quot;","block_context":{"text":"\u5730\u65b9\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/local\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2025\/06\/%E9%82%84%E5%A5%BD%EF%BC%81%E5%8A%A0%E5%B7%9E%E4%BA%BA%E7%9A%84%E4%BF%A1%E7%94%A8%E9%82%84%E5%A5%BD.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2025\/06\/%E9%82%84%E5%A5%BD%EF%BC%81%E5%8A%A0%E5%B7%9E%E4%BA%BA%E7%9A%84%E4%BF%A1%E7%94%A8%E9%82%84%E5%A5%BD.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2025\/06\/%E9%82%84%E5%A5%BD%EF%BC%81%E5%8A%A0%E5%B7%9E%E4%BA%BA%E7%9A%84%E4%BF%A1%E7%94%A8%E9%82%84%E5%A5%BD.png?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":12696,"url":"https:\/\/newsforchinese.com\/v3\/2011\/03\/30\/loan-tips\/","url_meta":{"origin":267102,"position":1},"title":"\u5e02\u5834\u8cb8\u6b3e\u4e0d\u6613\uff0c\u5982\u4f55\u7372\u5f97\u623f\u5c4b\u62b5\u62bc\u8cb8\u6b3e\u7684\u5c0f\u79d8\u8a23","author":"Raymond","date":"March 30, 2011","format":false,"excerpt":"\u201c\u623f\u5c4b\u62b5\u62bc\u8cb8\u6b3e\u9084\u662f\u53ef\u4ee5\u7372\u5f97\u901a\u904e\uff0c\u4f46\u7232\u4e86\u7372\u5f97\u8cb8\u6b3e\uff0c\u5247\u5fc5\u9808\u66f4\u7b26\u5408\u65b0\u7684\uff0c\u66f4\u5be9\u614e\u7684\u8cb8\u6b3e\u6a19\u6e96\u3002 \u7531\u65bc\u76ee\u524d\u8cfc\u623f\u8cb8\u6b3e\u9055\u7d04\u7387\u8f03\u9ad8\uff0c\u9280\u884c\u5df2\u653e\u68c4\u4e86\u4ee5\u5f80\u52a9\u9577\u623f\u5730\u7523\u6ce1\u6cab\u7684\u5bec\u9b06\u6eab\u548c\u7684\u505a\u6cd5\u3002 \u6839\u8ddf\u64da\u76ee\u524d\u5e02\u5834\u7684\u72c0\u6cc1\u4f86\u8aaa\uff0c\u90a3\u7a2e\u662f\u4eba\u5c31\u80fd\u7372\u5f97\u8cb8\u6b3e\u7684\u65e5\u5b50\u5df2\u7d93\u904e\u53bb\u3002\u56e0\u6b64\uff0c\u4eca\u5929\u501f\u6b3e\u4eba\u5fc5\u9808\u7b26\u5408\u6bd4\u904e\u53bb\u5e7e\u5e74\u66f4\u56b4\u683c\u7684\u8981\u6c42\u624d\u80fd\u6709\u53ef\u80fd\u501f\u5230\u9322","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":"","width":0,"height":0},"classes":[]},{"id":266526,"url":"https:\/\/newsforchinese.com\/v3\/2024\/10\/12\/%e4%bf%a1%e7%94%a8%e8%aa%a0%e5%8f%af%e8%b2%b4%e5%85%8d%e5%84%9f%e5%83%b9%e6%9b%b4%e9%ab%98\/","url_meta":{"origin":267102,"position":2},"title":"\u4fe1\u7528\u8aa0\u53ef\u8cb4\u514d\u511f\u50f9\u66f4\u9ad8","author":"Raymond","date":"October 12, 2024","format":false,"excerpt":"\u4e00\u822c\u60c5\u6cc1\u4e0b\uff0c\u7f8e\u570b\u4eba\u5538\u5927\u5b78\u591a\u6703\u8fa6\u5b78\u8cb8\uff0c\u65e2\u7136\u662f\u8cb8\u6b3e\uff0c\u5c31\u6703\u6709\u8cc7\u7522\u8207\u511f\u9084\uff0c\u8cc7\u7522\u662f\u5b78\u4f4d\u62ff\u5230\u5f8c\uff0c \u53ef\u4ee5\u627e\u4efd\u4e2d\u4e0a\u85aa\u6c34\u5de5\u4f5c\uff0c\u9019\u662f\u8b93\u751f\u6d3b\u54c1\u8cea\u4e0a\u5c64\u6a13\u7684\u6295\u8cc7\u3002\u540c\u6a23\u7684\uff0c\u6709\u4e86\u5831\u916c\u5c31\u8a72\u511f\u9084\u6295\u8cc7\uff0c\u9019\u662f\u5efa\u7acb\u4eba\u751f\u4fe1\u7528\u7684\u57fa\u672c\u898f\u77e9\u3002\u53ef\u60dc\u8fd1\u5e7e\u5e74\u7684\u88c1\u54e1\u7e2e\u7de8\u6f6e\u58de\u4e86\u9019\u898f\u77e9\uff0c\u56e0\u70ba\u88c1\u6e1b\u54e1\u5f71\u97ff\u904d\u53ca\u5404\u884c\u5404\u696d\u8207\u5927\u5c0f\u516c\u53f8\uff0c\u56db\u5e74\u4e0b\u4f86\u5e73\u5747\u4e09\u842c\u7684\u5b78\u8cb8\u6b3e\uff0c\u8b93\u5927\u5b78\u751f\u4e00\u7562\u696d\u5c31\u53ef\u80fd\u88ab\u8a18\u4e0a\u4fe1\u7528\u4e0d\u826f\u3002 \u5e6b\u4eba\u6574\u7406\u4fe1\u7528\u6a94\u6848\u4f86\u505a\u500b\u4eba\u8ca1\u52d9\u898f\u5283\u7684\u61c9\u7528\u7a0b\u5f0fIntuit Credit Karma\uff0c\u4e5d\u6708\u521d\u767c\u8868\u4e00\u7bc7\u5b78\u8cb8\u8abf\u7814\u5831\u544a\uff0c\u6709\u4e00\u91cd\u9ede\u767c\u73fe\uff0c63%\u672a\u80fd\u6301\u7e8c\u6309\u6642\u9084\u6b3e\u806f\u90a6\u5b78\u8cb8\u7684\u501f\u6b3e\u4eba\u64d4\u5fc3\uff0c\u4e00\u65e6\u5341\u6708\u4ed6\u5011\u7684\u5b78\u8cb8\u7e73\u6b3e\u6b77\u53f2\u5411\u4fe1\u8a55\u6a5f\u95dc\u5831\u544a\uff0c\u4ed6\u5011\u7684\u4fe1\u7528\u8a55\u5206\u5c07\u6703\u53d7\u5230\u5f71\u97ff\u3002 \u4e3b\u7ba1\u6a5f\u95dc\u6559\u80b2\u90e8\u806f\u90a6\u5b78\u751f\u63f4\u52a9\u8fa6\u516c\u5ba4(FSA)\u5b98\u7db2\u912d\u91cd\u8072\u660e\uff0c\u5b78\u8cb8\u53ef\u4ee5\u5e6b\u52a9\u5b78\u751f\u5efa\u7acb\u826f\u597d\u4fe1\u7528\uff0c\u9032\u800c\u63d0\u9ad8\u4fe1\u7528\u5206\u6578\uff0c\u4f46\u540c\u6642\u4e5f\u53ef\u80fd\u56e0\u70ba\u4fe1\u7528\u4e0d\u4f73\uff0c\u800c\u6703\u8b93\u5b78\u751f\u7684\u4fe1\u7528\u8a55\u5206\u964d\u4f4e\u3002\u6240\u4ee5\u6bcf\u6708\u6703\u5c07\u5b78\u8cb8\u7684\u4e00\u4e9b\u8cb8\u6b3e\u8cc7\u8a0a\u901a\u5831\u7d66\u6d88\u8cbb\u8005\u4fe1\u8a55\u6a5f\u69cb\uff0c\u5176\u4e2d\u5305\u62ec\u6d88\u8cbb\u8005\u57fa\u672c\u8cc7\u6599\u5982\u59d3\u540d\u5730\u5740\u96fb\u8a71\u8207SSN\u3001\u4ea4\u4ee3\u8207\u5e33\u6236\u95dc\u4fc2\u7684\u516c\u5e73\u4fe1\u7528\u6a5f\u6703\u6cd5(ECOA)\u4ee3\u78bc\u3001\u986f\u793a\u9084\u6b3e\u6b63\u5e38\u8207\u5426\u7684\u5e33\u6236\u72c0\u614b\u3001\u8a3b\u660e\u8cb8\u6b3e\u6236\u5177\u9ad4\u8cc7\u8a0a\u7684\u7279\u5225\u8a55\u8ad6\u3001\u8cb8\u6b3e\u689d\u6b3e\u3001\u91cd\u8981\u65e5\u671f\u3001\u8207\u8cb8\u6b3e\u76f8\u95dc\u7684\u5177\u9ad4\u91d1\u984d\u8207\u7e73\u6b3e\u53f2\uff0c\u6700\u5f8c\u9019\u9805\u6703\u986f\u793a\u8fd1\u4e03\u5e74\u5167\u7684\u6bcf\u6708\u7e73\u6b3e\u8a18\u9304\uff0c\u4e26\u6703\u6a19\u660e\u88ab\u62d6\u6b20\u7684\u4efb\u4f55\u6708\u4efd\u3002 \u53e6\u5916\uff0c\u806f\u90a6\u653f\u5e9c\u4e0d\u6703\u5e6b\u81ea\u5df1\u72af\u932f\u7684\u5b78\u751f\uff0c\u53bb\u5411\u653e\u8cb8\u9280\u884c\u8aaa\u60c5\u4fee\u6539\u4fe1\u8a55\uff0c\u8acb\u81ea\u5df1\u53bb\u3002\u800c\u773e\u6240\u5468\u77e5\uff0c\u7f8e\u570b\u9280\u884c\u600e\u90a3\u9ebc\u5bb9\u6613\u8b1b\u8a71\uff1f\u4e00\u65e6\u500b\u4eba\u91d1\u878d\u6709\u4fe1\u7528\u4e0d\u826f\u8a18\u9304\uff0c\u5728\u7f8e\u570b\u5e7e\u4e4e\u5bf8\u6b65\u96e3\u884c\uff0c\u56e0\u70ba\u53ef\u80fd\u9023\u500b\u8eca\u8cb8\u90fd\u8cb8\u4e0d\u5230\u4e86\uff0c\u90a3\u5c31\u66f4\u5225\u8aaa\u7f8e\u570b\u5922\u2013\u8cb7\u623f\u4e86\u3002\u5927\u5b78\u751f\u7684\u5b78\u8cb8\u6216\u8a31\u662f\u9019\u4e9b\u5e74\u4f86\uff0c\u653f\u5e9c\u70ba\u7e2e\u5c0f\u8ca7\u5bcc\u5dee\u8ddd\uff0c\u9f13\u52f5\u5e74\u8f15\u4eba\u591a\u62ff\u500b\u5b78\u4f4d\u597d\u591a\u8cfa\u9ede\u9322\u7684\u653f\u7b56\uff0c\u4f46\u5e74\u8f15\u4eba\u4fe1\u7528\u4e0d\u826f\u9019\u300c\u58de\u7fd2\u6163\u300d\u4f3c\u4e4e\u8001\u65e9\u5c31\u990a\u6210\u4e86\u3002 Credit Karma\u65e9\u65bc2016\u5e74\u4fbf\u505a\u904e\u4e00\u4efd\u8abf\u7814\uff0c\u767c\u73fe\u9ad8\u905468%\u7684\u7f8e\u570b\u4eba\u5728\u5345\u6b72\u524d\uff0c\u5df2\u72af\u4e0b\u81f3\u5c11\u4e00\u500b\u91cd\u5927\u7406\u8ca1\u932f\u8aa4\uff0c\u5c0e\u81f4\u500b\u4eba\u4fe1\u7528\u7559\u4e0b\u6c59\u9ede\u3002\u9019\u4e9b\u932f\u8aa4\u5305\u62ec\u5237\u7206\u4fe1\u7528\u5361\u3001\u932f\u904e\u4ed8\u6b3e\u3001\u672a\u7e73\u8cb8\u6b3e\u751a\u81f3\u5e33\u6236\u88ab\u9001\u5230\u8a0e\u50b5\u516c\u53f8\u3002\u9ad8\u9054\u56db\u5206\u4e4b\u4e09\u7684\u53d7\u8a2a\u8005\u8a8d\u70ba\uff0c\u4e00\u65e6\u767c\u751f\u8207\u4fe1\u7528\u6709\u95dc\u7684\u932f\u8aa4\uff0c\u5c0d\u4ed6\u5011\u7684\u751f\u6d3b\u5c31\u6703\u7522\u751f\u8ca0\u9762\u5f71\u97ff\u3002\u7576\u6642\u7684Credit Karma\u6d88\u8cbb\u8005\u6b0a\u76ca\u7dad\u8b77\u9577Bethy Hardeman\u6307\u51fa\uff0c\u932f\u8aa4\u6108\u56b4\u91cd\uff0c\u7559\u5728\u4fe1\u7528\u5831\u544a\u88e1\u7684\u6642\u9593\u4e5f\u6108\u4e45\u3002\u7531\u65bcECOA\u898f\u5b9a\uff0c\u6d88\u8cbb\u8005\u901a\u5e38\u9700\u8981\u4e03\u5230\u5341\u5e74\u7684\u6642\u9593\uff0c\u624d\u6709\u6a5f\u6703\u6d88\u9664\u4fe1\u7528\u5831\u544a\u4e0a\u8ca0\u9762\u8cc7\u8a0a\u3002\u5979\u8aaa\uff1a\u300c\u5f88\u591a\u4eba\u4e0d\u77e5\u9053\uff0c\u7e73\u6b3e\u932f\u904e\u4e00\u671f\uff0c\u5c31\u6703\u7d66\u4f60\u7684\u4fe1\u7528\u7559\u4e0b\u6c61\u9ede\uff0c\u800c\u4e14\u6642\u9593\u6703\u5f88\u4e45\u3002\u4e5f\u8a31\u4f60\u8d77\u521d\u4e0d\u4ee5\u70ba\u610f\uff0c\u4f46\u9577\u4e45\u4e0b\u4f86\uff0c\u6703\u8b93\u4f60\u82b1\u66f4\u591a\u7684\u9322\u3002\u300d \u7576\u6642\u7684\u7d93\u6fdf\u5411\u597d\uff0c\u6240\u4ee5\u90a3\u4e03\u6210\u5e74\u8f15\u4eba\u6216\u8a31\u662f\u56e0\u6c92\u6709\u5728\u70ba\u81ea\u5df1\u7684\u884c\u70ba\u8ca0\u8cac\u800c\u7559\u4e0b\u4fe1\u7528\u4e0d\u826f\uff0c\u5982\u4eca\u7d93\u6fdf\u6c92\u90a3\u9ebc\u597d\uff0c\u5927\u5bb6\u90fd\u60f3\u82e6\u8b80\u4f86\u591a\u8cfa\u9ede\u9322\u8cbc\u88dc\u5bb6\u7528\u904e\u65e5\u5b50\uff0c\u4f46\u73fe\u5728\u53ef\u8b93\u5927\u5b78\u7562\u696d\u751f\u591a\u8cfa\u9ede\u9322\u7684\u5de5\u4f5c\u597d\u50cf\u53c8\u6c92\u90a3\u9ebc\u591a\u4e86\u3002 Credit Karma\u4eca\u5e74\u7684\u8abf\u7814\u9084\u6709\u66f4\u52c1\u7206\u7684\u767c\u73fe\uff0c\u6240\u6709\u5c1a\u672a\u9084\u6e05\u5b78\u8cb8\u7684\u4eba\u4e2d\uff0c\u6709\u4e94\u5206\u4e4b\u4e00\u6c92\u6709\u5728\u9084\u6b3e\u3002\u6709\u4e9b\u4eba\u7684\u7406\u7531\u662f\u4ed6\u5011\u4ed8\u4e0d\u8d77\u9019\u7b46\u9322\uff0c\u4f46\u8a31\u591a\u4eba\u537b\u8aaa\uff0c\u4ed6\u5011\u6b63\u5728\u7b49\u5f85\u5c71\u59c6\u5927\u53d4\u9001\u53e6\u4e00\u8f2a\u5b78\u8cb8\u6e1b\u514d\u3002Credit Karma\u6d88\u8cbb\u8005\u91d1\u878d\u5021\u5c0e\u8005Courtney Alev\u5728\u4e00\u4efd\u8072\u660e\u4e2d\u8aaa\uff1a\u300c\u7531\u65bc\u62dc\u767b\u653f\u5e9c\u7684\u6709\u50f9\u503c\u6559\u80b2\u7701\u9322(SAVE)\u8a08\u5283\u9677\u5165\u56f0\u5883\uff0c\u8a31\u591a\u501f\u6b3e\u4eba\u9762\u81e8\u4e0d\u78ba\u5b9a\u6027\uff0c\u4e0d\u77e5\u9053\u4ed6\u5011\u80fd\u5426\u5f9e\u8f03\u4f4e\u7684\u6bcf\u6708\u9084\u6b3e\u984d\uff0c\u4ee5\u53ca\u4e00\u500b\u6e05\u6670\u7684\u8cb8\u6b3e\u514d\u511f\u9014\u5f91\u4e2d\u53d7\u76ca\u3002\u300d\u4f46\u5979\u5f37\u8abf\uff1a\u300c\u5c0d\u53ef\u80fd\u7684\u8cb8\u6b3e\u514d\u511f\u62b1\u6709\u5e0c\u671b\u56fa\u7136\u5f88\u597d\uff0c\u4f46\u501f\u6b3e\u4eba\u4e0d\u61c9\u8a72\u628a\u6240\u6709\u7684\u96de\u86cb\u90fd\u653e\u5728\u90a3\u500b\u7c43\u5b50\u88e1\u3002\u300d \u62dc\u767b\u653f\u5e9c\u7528\u7d0d\u7a05\u4eba\u7684\u9322\u4f86\u5e6b\u8ffd\u6c42\u9ad8\u5b78\u6b77\u7684\u4eba\u7701\u9084\u6b3e\u9322\u7684\u65b9\u6848SAVE\uff0c\u4eca\u5e74\u56e0\u4e00\u806f\u90a6\u6cd5\u9662\u767c\u5e03\u4e86\u4e00\u9805\u7981\u4ee4\uff0c\u4e0d\u51c6\u806f\u90a6\u6559\u80b2\u90e8\u518d\u5be6\u65bd\u8a72\u8a08\u756b\uff0c\u4ee5\u53ca\u5176\u5b83\u6536\u5165\u8003\u91cf\u9084\u6b3e(IDR)\u8a08\u756b\u800c\u4e2d\u8f1f\u3002\u96d6\u7136\u6559\u80b2\u90e8\u4ecd\u5728\u4e0a\u8a34\uff0c\u4f46\u7e3d\u7d71\u4e5f\u5728\u91cd\u9078\uff0c\u6240\u4ee5\u4e00\u5207\u5145\u6eff\u8b8a\u6578\u3002 \u53e6\u5916\u9084\u6709\u56db\u6210\u7684\u53d7\u8a2a\u8005\u8aaa\uff0c\u4ed6\u5011\u7684\u6536\u5165\u592a\u591a\uff0c\u8d85\u51fa\u7b26\u5408SAVE\u7684\u8cc7\u683c\uff0c\u4f46\u91d1\u984d\u53c8\u4e0d\u8db3\uff0c\u7121\u6cd5\u6301\u7e8c\u652f\u4ed8\u5b78\u8cb8\uff0c\u6240\u4ee5\u8ca1\u52d9\u9677\u5165\u56f0\u5883\u3002\u53c8\u670938%\u7684\u5b78\u8cb8\u501f\u6b3e\u4eba\u8868\u793a\uff0c\u4ed6\u5011\u70ba\u4e86\u511f\u9084\u5b78\u8cb8\u800c\u62d6\u6b20\u4e86\u5176\u5b83\u5e33\u55ae\uff08\u4f8b\u5982\u6c7d\u8eca\u8cb8\u6b3e\u3001\u623f\u8cb8\u548c\u4fe1\u7528\u5361\u7b49\uff09\uff0c\u53e6\u5916 \u670939%\u7684\u4eba\u5247\u662f\u70ba\u4e86\u511f\u9084\u5176\u5b83\u5229\u7387\u66f4\u9ad8\u7684\u50b5\u52d9\uff0c\u800c\u6c7a\u5b9a\u653e\u68c4\u511f\u9084\u5b78\u8cb8\u3002 \u5982\u540cSAVE\u6cd5\u6848\u540d\u6240\u8ff0\uff0c\u9019\u500b\u653f\u5e9c\u512a\u60e0\u662f\u7d66\u8ffd\u6c42\u300c\u6709\u50f9\u503c\u7684\u6559\u80b2\u300d\u7684\u4eba\uff0c\u4f46\u662f\u7f8e\u570b\u5411\u4f86\u4e0d\u662f\u6587\u6191\u4e3b\u7fa9\uff0c\u80fc\u624b\u80dd\u8db3\u6253\u9020\u81ea\u5df1\u7684\u4e00\u7247\u5929\uff0c\u9019\u7a2e\u300c\u8e0f\u5be6\u4e3b\u7fa9\u300d\u624d\u662f\u7f8e\u570b\u50b3\u7d71\uff0c\u4f55\u6cc1\u6709\u516d\u6210\u4ee5\u4e0a\u7684\u7f8e\u570b\u4eba\u6c92\u5538\u5927\u5b78\uff0cSAVE\u7684\u516c\u5e73\u6027\u5f9e\u88ab\u63d0\u51fa\u5c31\u9762\u81e8\u773e\u591a\u8cea\u7591\u3002\u7121\u8ad6\u5982\u4f55\uff0c\u4fe1\u7528\u4e5f\u5c6c\u65bc\u300c\u8e0f\u5be6\u4e3b\u7fa9\u300d\uff0c\u6709\u501f\u6709\u9084\uff0c\u771f\u7684\u518d\u501f\u4e0d\u96e3\uff0c\u81f3\u65bc\u600e\u9ebc\u9084\uff0c\u65e2\u7136\u5538\u4e86\u5927\u5b78\uff0c\u5c31\u8a72\u6709\u9019\u65b9\u9762\u7684\u6210\u719f\u5ea6\u3002 \u8a18\u8005 Pegasus J. Juan","rel":"","context":"In &quot;\u5730\u65b9\u65b0\u805e&quot;","block_context":{"text":"\u5730\u65b9\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/local\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2024\/10\/%E4%BF%A1%E7%94%A8%E8%AA%A0%E5%8F%AF%E8%B2%B4%E5%85%8D%E5%84%9F%E5%83%B9%E6%9B%B4%E9%AB%98.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2024\/10\/%E4%BF%A1%E7%94%A8%E8%AA%A0%E5%8F%AF%E8%B2%B4%E5%85%8D%E5%84%9F%E5%83%B9%E6%9B%B4%E9%AB%98.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2024\/10\/%E4%BF%A1%E7%94%A8%E8%AA%A0%E5%8F%AF%E8%B2%B4%E5%85%8D%E5%84%9F%E5%83%B9%E6%9B%B4%E9%AB%98.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":190530,"url":"https:\/\/newsforchinese.com\/v3\/2020\/10\/06\/%e5%a6%82%e4%bd%95%e5%9c%a8%e7%b6%93%e6%bf%9f%e6%a2%9d%e4%bb%b6%e6%83%a1%e5%8c%96%e4%b9%8b%e5%90%8c%e6%99%82%e7%b6%ad%e6%8c%81%e8%89%af%e5%a5%bd%e4%bf%a1%e7%94%a8\/","url_meta":{"origin":267102,"position":3},"title":"\u5982\u4f55\u5728\u7d93\u6fdf\u689d\u4ef6\u60e1\u5316\u4e4b\u540c\u6642\u7dad\u6301\u826f\u597d\u4fe1\u7528","author":"Raymond","date":"October 6, 2020","format":false,"excerpt":"\u65b0\u51a0\u75c5\u6bd2\uff08COVID-19\uff09\u5c0d\u6578\u767e\u842c\u7f8e\u570b\u4eba\u7684\u7d93\u6fdf\u524d\u666f\u9020\u6210\u56b4\u91cd\u5f71\u97ff\u3002\u8ca1\u52d9\u72c0\u6cc1\u7684\u60e1\u5316\u53ef\u80fd\u5f71\u97ff\u60a8\u7684\u4fe1\u7528\u5206\u6578\uff0c\u9032\u800c\u524a\u5f31\u60a8\u53d6\u5f97\u62b5\u62bc\u8cb8\u6b3e\u3001\u500b\u4eba\u8cb8\u6b3e\u6216\u7533\u8acb\u4fe1\u7528\u5361\u7b49\u501f\u6b3e\u7684\u80fd\u529b\u3002 \u201c\u4eca\u5e74\u7d93\u6fdf\u72c0\u6cc1\u7684\u52d5\u8569\u4e0d\u5b89\u548c\u8b8a\u5e7b\u83ab\u6e2c\u70ba\u8a31\u591a\u4eba\u5e36\u4f86\u7a7a\u524d\u7684\u6311\u6230\uff0c\u4ee4\u4eba\u5728\u8655\u7406\u8ca1\u52d9\u554f\u984c\uff0c\u7e7c\u7e8c\u898f\u5283\u672a\u4f86\u65b9\u9762\u66f4\u52a0\u611f\u5230\u56f0\u96e3\u91cd\u91cd\uff0c\u201dNorthwestern Mutual\u4f4d\u65bc\u8056\u8377\u897f\u7684\u8ca1\u5bcc\u7ba1\u7406\u9867\u554f Jing Lee\u8868\u793a\u3002\u201c\u76f4\u5230\u6574\u9ad4\u7d93\u6fdf\u74b0\u5883\u7a69\u5b9a\u4e0b\u4f86\u7232\u6b62\uff0c\u4eba\u5011\u53ef\u4ee5\u505a\u5f97\u5230\u7684\u6700\u91cd\u8981\u7684\u4e8b\u60c5\u4e4b\u4e00\uff0c\u5c31\u662f\u4fdd\u8b77\u4ed6\u5011\u7684\u4fe1\u7528\u5206\u6578\uff0c\u78ba\u4fdd\u81ea\u5df1\u5728\u4efb\u4f55\u5373\u6642\u6216\u9577\u671f\u9700\u6c42\u767c\u751f\u7684\u6642\u5019\uff0c\u5df2\u6709\u842c\u5168\u6e96\u5099\u3002\u201d \u4ee5\u4e0b\u662fLee\u5c0d\u5982\u4f55\u5728\u8ca1\u52d9\u72c0\u6cc1\u60e1\u5316\u7684\u60c5\u6cc1\u4e0b\u4fdd\u6301\u826f\u597d\u4fe1\u7528\u5206\u6578\u63d0\u51fa\u7684\u5e7e\u9805\u5c0d\u7b56\u3002 \u548c\u8cb8\u6b3e\u65b9\u806f\u7d61 \u8cb8\u6b3e\u6a5f\u69cb\u77e5\u9053\u90e8\u5206\u4eba\u58eb\u6b64\u6642\u7121\u529b\u511f\u4ed8\u50b5\u52d9\uff0c\u5f88\u591a\u8cb8\u6b3e\u6a5f\u69cb\u9858\u610f\u96ea\u4e2d\u9001\u70ad\uff0c\u63d0\u4f9b\u4f8b\u5982\u589e\u52a0\u4fe1\u7528\u984d\u5ea6\u6216\u5728\u5229\u7387\u4e0a\u7d66\u4e88\u66f4\u512a\u60e0\u689d\u4ef6\u7b49\u5e6b\u52a9\u3002 \u201c\u5982\u679c\u60a8\u77e5\u9053\u81ea\u5df1\u7121\u6cd5\u6309\u671f\u9084\u6b3e\uff0c\u6216\u662f\u53ea\u9084\u5f97\u8d77\u4e00\u90e8\u5206\uff0c\u8acb\u901a\u77e5\u8cb8\u6b3e\u65b9\uff0c\u201dLee\u8868\u793a\u3002\u201c\u8acb\u52d9\u5fc5\u5728\u9084\u6b3e\u65e5\u671f\u622a\u6b62\u524d\u901a\u77e5\u5c0d\u65b9\u3002\u201d \u8acb\u4e00\u5b9a\u8981\u5c07\u96d9\u65b9\u5354\u8b70\u5185\u5bb9\u6240\u6709\u7d30\u7bc0\u7528\u66f8\u9762\u65b9\u5f0f\u4fdd\u5b58\uff0c\u4ee5\u4fbf\u65e5\u5f8c\u9700\u8981\u53c3\u8003\u6642\u6709\u6240\u4f9d\u64da\u3002 \u67e5\u770b\u4e00\u4e0b\u6709\u95dc\u62b5\u62bc\u8cb8\u6b3e\u548c\u52a9\u5b78\u8cb8\u6b3e\u514d\u9664\u511f\u9084\u7684\u53ef\u80fd \u6700\u6709\u53ef\u80fd\u56b4\u91cd\u5f71\u97ff\u60a8\u7684\u4fe1\u7528\u5206\u6578\u7684\u5169\u5f35\u5e33\u55ae\u5c31\u662f\u60a8\u7684\u62b5\u62bc\u8cb8\u6b3e\u548c\u52a9\u5b78\u8cb8\u6b3e\u3002\u5982\u679c\u60a8\u7121\u6cd5\u5168\u984d\u511f\u9084\u60a8\u7684\u62b5\u62bc\u8cb8\u6b3e\uff0c\u554f\u4e00\u554f\u60a8\u7684\u8cb8\u6b3e\u6a5f\u69cb\u6709\u95dc\u5f9e\u5bec\u8655\u7406\uff08forbearance\uff09\u7684\u8fa6\u6cd5\u3002\u5f9e\u5bec\u8655\u7406\u53ef\u4ee5\u66ab\u6642\u964d\u4f4e\u60a8\u7684\u8cb8\u6b3e\u5229\u7387\uff0c\u6216\u751a\u81f3\u66ab\u6642\u514d\u9664\u511f\u9084\u3002\u4f46\u662f\u5728\u60a8\u540c\u610f\u63a5\u53d7\u5f9e\u5bec\u8655\u7406\u4e4b\u524d\uff0c\u8acb\u52d9\u5fc5\u5145\u5206\u77ad\u89e3\u9019\u9ebd\u505a\u65e5\u5f8c\u6703\u6709\u4ec0\u9ebd\u6a23\u7684\u8ca1\u52d9\u5f71\u97ff\u548c\u672a\u4f86\u7684\u511f\u9084\u689d\u4ef6\u3002\u5f9e\u5bec\u8655\u7406\u7684\u671f\u9650\u4e00\u65e6\u7d50\u675f\uff0c\u60a8\u662f\u5426\u5fc5\u9808\u5c07\u7a4d\u6b20\u6b3e\u9805\u4e00\u6b21\u4ed8\u6e05\uff0c\u6216\u662f\u5728\u91cd\u65b0\u958b\u59cb\u511f\u9084\u6642\u5fc5\u9808\u652f\u4ed8\u66f4\u9ad8\u7684\u6708\u4ed8\u984d\u3002 \u5982\u679c\u60a8\u6709\u806f\u90a6\u52a9\u5b78\u8cb8\u6b3e\uff0c\u60a8\u7684\u8cb8\u6b3e\u5f88\u53ef\u80fd\u5df2\u7d93\u9032\u5165\u884c\u653f\u5f9e\u5bec\u8655\u7406\u7684\u904e\u7a0b\uff0c\u610f\u601d\u662f\u8aac\u6240\u6709\u511f\u9084\u7fa9\u52d9\u4e00\u5f8b\u66ab\u505c\uff0c\u5229\u7387\u81f32020\u5e749\u670830\u65e5\u524d\u964d\u7232\u96f6\u3002\u4f46\u662f\u60a8\u8eab\u7232\u50b5\u52d9\u4eba\uff0c\u61c9\u4ee5\u8ca0\u8cac\u4efb\u7684\u614b\u5ea6\u67e5\u770b\u4e00\u4e0b\u60a8\u7684\u8cb8\u6b3e\u662f\u5426\u5217\u5165\u4e0a\u8ff0\u7bc4\u570d\u3002\u5982\u679c\u60a8\u7684\u8cb8\u6b3e\u4f86\u81ea\u79c1\u4eba\u6a5f\u69cb\uff0c\u8acb\u8207\u60a8\u7684\u8cb8\u6b3e\u6a5f\u69cb\u5354\u8abf\u770b\u770b\u60a8\u6709\u54ea\u4e9b\u9078\u64c7\u3002 \u7559\u610f\u60a8\u7684\u4fe1\u7528\u4f7f\u7528\u7a0b\u5ea6 \u201c\u60a8\u7684\u4fe1\u7528\u5206\u6578\u7531\u591a\u7a2e\u56e0\u7d20\u69cb\u6210\uff0c\u5176\u4e2d\u5f88\u91cd\u8981\u7684\u56e0\u7d20\u4e4b\u4e00\u5c31\u662f\u6240\u8b02\u201c\u4fe1\u7528\u7684\u4f7f\u7528\u7a0b\u5ea6\uff0c\u201d\u610f\u6307\u60a8\u53ef\u4f9b\u4f7f\u7528\u7684\u4fe1\u7528\u7528\u6389\u4e86\u591a\u5c11\uff0c\u201dLee\u8868\u793a\u3002\u201c\u6700\u9069\u7576\u7684\u4f5c\u6cd5\u5c31\u662f\u91dd\u5c0d\u4efb\u4f55\u4e00\u5f35\u4fe1\u7528\u5361\uff0c\u5c07\u60a8\u7684\u6d88\u8cbb\u91d1\u984d\u4fdd\u6301\u5728\u6700\u9ad8\u4fe1\u7528\u984d\u5ea6\u7684\u767e\u5206\u4e4b30\u4ee5\u4e0b\u3002\u201d \u5982\u679c\u60a8\u767c\u73fe\u81ea\u5df1\u7684\u6d88\u8cbb\u91d1\u984d\u5df2\u7d93\u63a5\u8fd1\u6700\u9ad8\u4fe1\u7528\u984d\u5ea6\uff0c\u8acb\u8003\u616e\u5c07\u60a8\u7684\u958b\u652f\u5206\u958b\u7528\u6578\u5f35\u4fe1\u7528\u5361\u652f\u4ed8\uff0c\u6216\u662f\u8981\u6c42\u60a8\u7684\u4fe1\u7528\u5361\u516c\u53f8\u63d0\u9ad8\u60a8\u7684\u4fe1\u7528\u984d\u5ea6\u3002 \u8acb\u8003\u616e\u65b0\u958b\u4e00\u5f35\u4fe1\u7528\u5361 \u96d6\u7136\u9019\u9ebd\u505a\u8207\u60a8\u7684\u76f4\u89ba\u6709\u9055\uff0c\u4f46\u662f\u5982\u679c\u60a8\u5728\u67d0\u4e00\u5f35\u5229\u7387\u6975\u9ad8\u7684\u4fe1\u7528\u5361\u4e0a\u7a4d\u6b20\u5927\u7b46\u91d1\u984d\uff0c\u6216\u662f\u60a8\u7684\u6d88\u8cbb\u5df2\u8d85\u904e\u6700\u9ad8\u4fe1\u7528\u984d\u5ea6\u7684\u767e\u5206\u4e4b30\uff0c\u60a8\u6216\u8a31\u53ef\u4ee5\u8003\u616e\u5c07\u60a8\u7a4d\u6b20\u7684\u91d1\u984d\u8f49\u79fb\u5230\u4e00\u5f35\u5229\u7387\u8f03\u4f4e\u6216\u662f\u96f6\u5229\u7387\u7684\u4fe1\u7528\u5361\u4e0a\u3002\u8a31\u591a\u4fe1\u7528\u5361\u516c\u53f8\u5728\u958b\u6236\u7b2c\u4e00\u5e74\u63d0\u4f9b\u96f6\u5229\u7387\u512a\u60e0\uff0c\u5982\u679c\u60a8\u5e0c\u671b\u9010\u6b65\u9084\u6e05\u50b5\u52d9\uff0c\u9019\u53ef\u80fd\u662f\u5f88\u6709\u5229\u7684\u9078\u64c7\u3002\u53ea\u8981\u60a8\u5f04\u6e05\u695a\u958b\u6236\u7684\u689d\u4ef6\uff0c\u4f8b\u5982\u96f6\u5229\u7387\u512a\u60e0\u622a\u6b62\u65e5\u671f\uff0c\u548c\u65b0\u5229\u7387\u7684\u984d\u5ea6\u3002\u60a8\u4e5f\u5fc5\u9808\u77ad\u89e3\u5728\u4f55\u7a2e\u60c5\u6cc1\u4e0b\u958b\u6236\u512a\u60e0\u5229\u7387\u53ef\u80fd\u7a81\u7136\u5347\u9ad8\uff0c\u4f8b\u5982\u5728\u512a\u60e0\u5229\u7387\u671f\u9593\u672a\u6309\u671f\u652f\u4ed8\u6700\u4f4e\u9084\u6b3e\u984d\u3002\u5982\u679c\u60a8\u6c7a\u5b9a\u65b0\u958b\u4e00\u5f35\u4fe1\u7528\u5361\u4e26\u5c07\u7a4d\u6b20\u7684\u91d1\u984d\u8f49\u5165\u65b0\u5361\uff0c\u8acb\u4e0d\u8981\u95dc\u9589\u539f\u4f86\u7684\u5e33\u6236\uff0c\u56e0\u7232\u60a8\u7684\u4fe1\u7528\u5206\u6578\u6709\u4e00\u90e8\u5206\u662f\u6839\u64da\u60a8\u958b\u6236\u7684\u6642\u9593\u9577\u77ed\u800c\u5b9a\u3002 \u5229\u7528\u81ea\u52d5\u4ed8\u6b3e\u4f86\u652f\u4ed8\u5e33\u55ae \u201c\u4efb\u4f55\u4eba\u90fd\u5f88\u96e3\u8a18\u4f4f\u6bcf\u4e00\u5f35\u5e33\u55ae\u5230\u671f\u7684\u6642\u9593\uff0c\u58d3\u529b\u5927\u7684\u6642\u5019\u66f4\u662f\u5982\u6b64\uff0c\u201dLee\u8868\u793a\u3002\u201c\u5229\u7528\u81ea\u52d5\u4ed8\u6b3e\u5c31\u53ef\u4ee5\u907f\u514d\u4e0a\u8ff0\u72c0\u6cc1\u767c\u751f\u3002\u201d \u5c31\u7b97\u53ea\u932f\u904e\u4ed8\u6b3e\u671f\u9650\u4e00\u6b21\uff0c\u90fd\u53ef\u80fd\u5c0d\u60a8\u7684\u4fe1\u7528\u5206\u6578\u767c\u751f\u5de8\u5927\u5f71\u97ff \u2013 \u6309\u6642\u4ed8\u6b3e\u53ef\u4ee5\u69cb\u6210\u60a8\u7684\u4fe1\u7528\u5206\u6578\u7684\u767e\u5206\u4e4b35\u3002 \u5225\u5fd8\u4e86\u8cb8\u6b3e\u6a5f\u69cb\u7684\u67e5\u770b\u4e5f\u53ef\u80fd\u5f71\u97ff\u60a8\u7684\u4fe1\u7528\u5206\u6578 \u8acb\u5225\u5fd8\u4e86\u60a8\u5728\u6b64\u671f\u9593\u7684\u4efb\u4f55\u8ca1\u52d9\u8209\u52d5\uff0c\u4f8b\u5982\u91cd\u8cb8\u62b5\u62bc\u8cb8\u6b3e\uff0c\u7533\u8acb\u500b\u4eba\u8cb8\u6b3e\uff0c\u6216\u662f\u8981\u6c42\u589e\u52a0\u4fe1\u7528\u984d\u5ea6\uff0c\u6f5b\u5728\u7684\u8cb8\u6b3e\u6a5f\u69cb\u90fd\u6703\u56e0\u6b64\u67e5\u770b\u60a8\u7684\u4fe1\u7528\u5206\u6578\u3002\u9019\u7a2e\u4fd7\u7a31\u201chard pulls\u201d \u7684\u67e5\u770b\u53ef\u4ee5\u5c0d\u60a8\u7684\u4fe1\u7528\u5206\u6578\u9020\u6210\u8f15\u5fae\u7684\u4e0d\u826f\u5f71\u97ff\uff0c\u4e26\u4e14\u5728\u60a8\u7684\u4fe1\u7528\u5831\u544a\u4e0a\u505c\u7559\u7d04\u5169\u5e74\u3002\u5118\u7ba1\u4fe1\u7528\u67e5\u770b\u96e3\u4ee5\u907f\u514d\uff0c\u4f46\u662f\u8acb\u53ea\u5728\u771f\u6b63\u6709\u610f\u7684\u60c5\u6cc1\u4e0b\u624d\u63d0\u51fa\u7533\u8acb\u3002 \u96a8\u6642\u7559\u610f\u60a8\u7684\u4fe1\u7528\u5206\u6578 \u7d93\u5e38\u67e5\u770b\u60a8\u7684\u4fe1\u7528\u5206\u6578\u662f\u4e00\u7a2e\u8070\u660e\u7684\u597d\u7fd2\u6163\uff0c\u5728\u60a8\u9047\u5230\u8ca1\u52d9\u56f0\u5883\u6642\u5c24\u5176\u91cd\u8981\u3002 \u201c\u6211\u5efa\u8b70\u60a8\u5728\u65e5\u66c6\u4e0a\u505a\u597d\u8a18\u865f\uff0c\u5b9a\u671f\u6aa2\u67e5\u60a8\u7684\u4fe1\u7528\u5206\u6578\u3002\u5982\u679c\u5206\u6578\u51fa\u4e4e\u610f\u5916\u7684\u5f80\u4e0b\u6389\uff0c\u8868\u793a\u60a8\u53ef\u80fd\u932f\u904e\u4e86\u4ed8\u6b3e\u671f\u9650\uff0c\u6216\u662f\u60a8\u548c\u8cb8\u6b3e\u6a5f\u69cb\u4e4b\u9593\u7684\u5354\u8b70\u7834\u5c40\u4e86\uff0c\u201dLee\u8868\u793a\u3002\u201c\u8acb\u5f9e\u73fe\u5728\u958b\u59cb\u5c31\u990a\u6210\u5efa\u7acb\u826f\u597d\u4fe1\u7528\u5206\u6578\u7684\u597d\u7fd2\u6163\uff0c\u65e5\u5f8c\u4e00\u5b9a\u6703\u5f97\u5230\u56de\u5831\u3002\u201d #### Northwestern Mutual\u00a0\u7c21\u4ecbNorthwestern Mutual\u202f\u5e6b\u52a9\u5bb6\u5ead\u548c\u4f01\u696d\u9054\u6210\u8ca1\u52d9\u4fdd\u969c\u5df2\u6709\u8d85\u904e160\u5e74\u6b77\u53f2\u3002\u901a\u904e\u6574\u9ad4\u6027\u7684\u898f\u5283\u65b9\u5f0f\uff0cNorthwestern Mutual \u7d50\u5408\u5c08\u696d\u7406\u8ca1\u9867\u554f\u7684\u5c08\u9577\u3001\u500b\u4eba\u5316\u7684\u6578\u4f4d\u9ad4\u9a57\u3001\u548c\u9818\u5148\u696d\u754c\u7684\u7522\u54c1\uff0c\u5354\u52a9\u5ba2\u6236\u898f\u5283\u6700\u91cd\u8981\u7684\u4e8b\u52d9\u3002\u7e3d\u8cc7\u75222903\u5104\u7f8e\u5143\uff0c\u6536\u5165299\u5104\u7f8e\u5143\uff0c\u548c\u50f9\u503c\u8d85\u904e1\u842c9000\u5104\u7684\u6709\u6548\u4eba\u58fd\u4fdd\u96aa\u4fdd\u8b77\uff0cNorthwestern Mutual\u70ba\u8d85\u904e460\u842c\u4f9d\u8cf4\u672c\u516c\u53f8\u7684\u58fd\u96aa\u3001\u6b98\u75be\u6536\u5165\u548c\u9577\u671f\u7167\u8b77\u4fdd\u96aa\u3001\u5e74\u91d1\u3001\u4e2d\u4ecb\u548c\u9867\u554f\u670d\u52d9\u7684\u6c11\u773e\u63d0\u4f9b\u8ca1\u52d9\u4fdd\u969c\u3002\u672c\u516c\u53f8\u901a\u904e\u8ca1\u52d9\u7ba1\u7406\u548c\u6295\u8cc7\u670d\u52d9\u70ba\u5ba2\u6236\u7ba1\u7406\u7e3d\u984d\u8d85\u904e1610\u5104\u7f8e\u5143\u7684\u8cc7\u7522\u3002Northwestern Mutual\u57282019\u8ca1\u5bcc\u96dc\u8a8c500\u5927\uff08FORTUNE 500\uff09\u516c\u53f8\u4e2d\u540d\u5217111\uff0c\u7372\u8ca1\u5bcc\u96dc\u8a8c\uff08FORTUNE\u00ae\uff09\u8a8d\u53ef\u70ba2020\u5e74\u201c\u5168\u7403\u6700\u53d7\u611b\u6234\u201d\u7684\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u4e4b\u4e00\u3002Northwestern Mutual\u4e5f\u7372\u5f97J.D. Power 2019\u5e74\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u6eff\u610f\u5ea6\u8abf\u67e5\u500b\u4eba\u4eba\u58fd\u4fdd\u96aa\u63d0\u4f9b\u8005\u4e2d\u6700\u9ad8\u5206\u6578\u7684\u80af\u5b9a\u3002 Northwestern Mutual\u662fThe Northwestern Mutual Life Insurance Company (NM),\u00a0Milwaukee,\u2026","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\/10\/How-to-Keep-a-Good-Credit-Score.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/10\/How-to-Keep-a-Good-Credit-Score.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/10\/How-to-Keep-a-Good-Credit-Score.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":89529,"url":"https:\/\/newsforchinese.com\/v3\/2014\/10\/11\/%e5%af%8c%e5%9c%8b%e9%8a%80%e8%a1%8c%e6%96%bc-11-%e6%9c%88-16-%e6%97%a5%e5%89%8d%e7%82%ba%e5%ae%a2%e6%88%b6%e5%85%8d%e8%b2%bb%e6%8f%90%e4%be%9b%e4%bf%a1%e7%94%a8%e8%a9%95%e5%88%86%e6%9c%8d%e5%8b%99\/","url_meta":{"origin":267102,"position":4},"title":"\u5bcc\u570b\u9280\u884c\u65bc 11 \u6708 16 \u65e5\u524d\u70ba\u5ba2\u6236\u514d\u8cbb\u63d0\u4f9b\u4fe1\u7528\u8a55\u5206\u670d\u52d9","author":"Raymond","date":"October 11, 2014","format":false,"excerpt":"\u70ba\u4e86\u5354\u52a9\u5ba2\u6236\u6210\u529f\u7406\u8ca1\uff0c\u5bcc\u570b\u9280\u884c\uff08\u7d10\u7d04\u8b49\u5238\u4ea4\u6613\u6240\u4ee3\u78bc\uff1aWFC\uff09\u5c07\u70ba\u5ba2\u6236\u514d\u8cbb\u63d0\u4f9b\u6d88\u8cbb\u8005\u4fe1\u7528\u8a55\u5206\u53ca\u4fe1\u7528\u5831\u544a\uff0c\u6d3b\u52d5\u5c07\u6301\u7e8c\u81f3 11 \u6708 16 \u65e5\u70ba\u6b62\u3002\u8acb\u9020\u8a2a https:\/\/www.wellsfargo.com\/freecreditscore \u67e5\u95b1\u95dc\u65bc\u672c\u6b21\u9650\u6642\u63a8\u5ee3\u6d3b\u52d5\u8a73\u60c5\u3002 \u5bcc\u570b\u9280\u884c\u6d88\u8cbb\u8005\u4fe1\u8cb8\u89e3\u6c7a\u65b9\u6848\u90e8\u57f7\u884c\u526f\u7e3d\u88c1 Gary Korotzer \u8868\u793a\uff1a\u300c\u6839\u64da\u5bcc\u570b\u9280\u884c\u6700\u8fd1\u7684\u4e00\u9805\u8abf\u67e5\u986f\u793a\uff0c\u6709 27% \u7684\u7f8e\u570b\u4eba\u6bd4\u8f03\u64d4\u5fc3\u8ca1\u52d9\u800c\u4e0d\u662f\u8eab\u9ad4\u5065\u5eb7\u3002\u5e74\u5ea6\u9ad4\u6aa2\u53ef\u4ee5\u5e6b\u52a9\u6211\u5011\u4fdd\u6301\u8eab\u9ad4\u5065\u5eb7\uff0c\u540c\u6a23\u5730\uff0c\u900f\u904e\u672c\u6b21\u6d3b\u52d5\uff0c\u6d88\u8cbb\u8005\u53ef\u4ee5\u5b9a\u671f\u6aa2\u67e5\u81ea\u5df1\u7684\u4fe1\u7528\u72c0\u6cc1\u4e26\u63a1\u53d6\u63aa\u65bd\u52a0\u4ee5\u6539\u5584\u4ee5\u638c\u63a7\u8ca1\u52d9\u72c0\u6cc1\u3002\u300d \u95dc\u65bc\u514d\u8cbb\u6d88\u8cbb\u8005\u4fe1\u7528\u8a55\u5206\u65b9\u6848 \u81ea 2014 \u5e74 10 \u6708 1 \u65e5\u8d77\u81f3 11 \u6708 16 \u65e5\u9019\u6bb5\u671f\u9593\uff0c\u5bcc\u570b\u9280\u884c\u7684\u6240\u6709\u5ba2\u6236\u90fd\u53ef\u89aa\u81e8\u5bcc\u570b\u9280\u884c\u5206\u884c\uff0c\u5411\u4e00\u4f4d\u5bcc\u570b\u9280\u884c\u5c08\u54e1\u53d6\u5f97\u500b\u4eba\u767b\u5165\u4ee3\u78bc\uff0c\u4ee5\u7372\u5f97\u514d\u8cbb\u4fe1\u7528\u8a55\u5206\u53ca\u4fe1\u7528\u5831\u544a \u81ea 2012 \u5e74\u6d3b\u52d5\u63a8\u51fa\u4ee5\u4f86\uff0c\u5df2\u6709\u8d85\u904e 80 \u842c\u540d\u5ba2\u6236\u548c\u5718\u968a\u6210\u54e1\u53c3\u8207\u672c\u63a8\u5ee3\u6d3b\u52d5\u7372\u5f97\u4e86\u514d\u8cbb\u7684\u4fe1\u7528\u8a55\u5206\u53ca\u4fe1\u7528\u5831\u544a\u3002\u4eca\u5e74\u662f\u5bcc\u570b\u9280\u884c\u63a8\u51fa\u514d\u8cbb\u4fe1\u7528\u8a55\u5206\u63a8\u5ee3\u6d3b\u52d5\u7684\u7b2c\u4e09\u5e74\uff0c\u9069\u9022\u7f8e\u570b\u9280\u884c\u5bb6\u5354\u6703\u300c\u8070\u660e\u7ba1\u7406\u4fe1\u7528\u65e5\u300d\u6d3b\u52d5\uff0c\u5728\u9019\u9805\u5168\u570b\u6027\u7684\u6d3b\u52d5\u4e2d\uff0c\u4e00\u7fa4\u9280\u884c\u5c08\u54e1\u5fd7\u9858\u8005\u8207\u5e74\u8f15\u4eba\u4e00\u8d77\u5411\u5927\u773e\u5ba3\u5c0e\u7406\u6027\u5730\u4f7f\u7528\u4fe1\u7528\u7684\u91cd\u8981\u6027\u3002 \u70ba\u4e86\u5be6\u65bd\u300c\u8070\u660e\u7ba1\u7406\u4fe1\u7528\u300d\u65b9\u6848\uff0c\u5bcc\u570b\u9280\u884c\u7684\u76ee\u6a19\u662f\u900f\u904e\u5728\u5168\u570b\u7684\u8ab2\u5802\u548c\u793e\u5340\u4e2d\u5fc3\u63d0\u4f9b\u5fd7\u9858\u670d\u52d9\uff0c\u5411\u81f3\u5c11 6 \u842c\u4eba\u50b3\u6388\u95dc\u65bc\u4fe1\u7528\u7684\u77e5\u8b58\u3002 \u4fdd\u6301\u4fe1\u7528\u826f\u597d\u5065\u5168\u7684\u5efa\u8b70 \u826f\u597d\u7684\u4fe1\u7528\u72c0\u6cc1\u53ef\u5e6b\u52a9\u6d88\u8cbb\u8005\u53d6\u5f97\u8f03\u4f4e\u7684\u5229\u7387\u3002\u4f46\u5f88\u591a\u4eba\u90fd\u7b49\u5230\u9700\u8981\u8cb8\u6b3e\u6642\u624d\u4f86\u8003\u616e\u81ea\u5df1\u7684\u4fe1\u7528\u72c0\u6cc1\u3002\u5bcc\u570b\u9280\u884c\u70ba\u6d88\u8cbb\u8005\u63d0\u4f9b\u4ee5\u4e0b\u7406\u6027\u5730\u7d93\u71df\u500b\u4eba\u4fe1\u7528\u7684\u5efa\u8b70\uff1a \u6bcf\u5e74\u6aa2\u67e5\u60a8\u7684\u4fe1\u7528\u5831\u544a\u3002\u78ba\u4fdd\u60a8\u7684\u4fe1\u7528\u5831\u544a\u5305\u542b\u6700\u65b0\u4e14\u6e96\u78ba\u7684\u8cc7\u8a0a\u3002\u4fe1\u7528\u5831\u544a\u82e5\u51fa\u73fe\u932f\u8aa4\uff0c\u53ef\u80fd\u6703\u5c0d\u4fe1\u7528\u8a55\u5206\u7522\u751f\u8ca0\u9762\u5f71\u97ff\uff0c\u751a\u81f3\u53ef\u80fd\u8868\u793a\u8eab\u4efd\u5df2\u88ab\u76dc\u7528\u3002\u60a8\u53ef\u4ee5\u9020\u8a2a AnnualCreditReport.com \u6216\u64a5\u6253\u514d\u8cbb\u96fb\u8a71 1-877-322-8228\uff0c\u6bcf\u5e74\u514d\u8cbb\u7d22\u53d6\u4e00\u4efd\u500b\u4eba\u4fe1\u7528\u5831\u544a\u3002 \u00a0 \u6e96\u6642\u652f\u4ed8\u5e33\u55ae\u3002\u60a8\u7684\u4ed8\u6b3e\u8a18\u9304\u662f\u5f71\u97ff\u4fe1\u7528\u8a55\u5206\u7684\u6700\u5927\u56e0\u7d20\uff0c\u5176\u4e2d\u5305\u62ec\u6309\u6642\u652f\u4ed8\u623f\u79df\u548c\u624b\u6a5f\u5e33\u55ae\u7b49\u60a8\u610f\u60f3\u4e0d\u5230\u7684\u4ed8\u6b3e\u3002\u59a5\u5584\u904b\u7528\u60a8\u7684\u91d1\u878d\u6a5f\u69cb\u901a\u5e38\u6703\u900f\u904e\u7db2\u4e0a\u9280\u884c\u670d\u52d9\u63d0\u4f9b\u7684\u514d\u8cbb\u7dda\u4e0a\u5de5\u5177\uff0c\u5e6b\u52a9\u60a8\u7de8\u5217\u9810\u7b97\u4e26\u5efa\u7acb\u4e00\u4efd\u81ea\u52d5\u4ed8\u5e33\u6642\u9593\u8868\u3002 \u00a0 \u4f7f\u50b5\u52d9\u4e0d\u8981\u8d85\u904e\u6bcf\u6708\u7e3d\u6536\u5165\u7684 35%\u3002\u8cb8\u6b3e\u6a5f\u69cb\u5728\u505a\u51fa\u4fe1\u8cb8\u6c7a\u5b9a\u6642\u6703\u8003\u616e\u6d88\u8cbb\u8005\u7684\u50b5\u52d9\u8207\u6bcf\u6708\u6536\u5165\u3002 \u00a0 \u77ad\u89e3\u826f\u597d\u7684\u4fe1\u7528\u5c0d\u60a8\u7684\u8ca1\u52d9\u72c0\u6cc1\u6709\u4f55\u5f71\u97ff\u3002\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u5c07\u6703\u5f71\u97ff\u8cb8\u6b3e\u5229\u7387\u7684\u9ad8\u4f4e\u3002\u5229\u7387\u8d8a\u4f4e\uff0c\u9084\u6b3e\u671f\u9593\u6240\u9700\u652f\u4ed8\u7684\u5229\u606f\u5c31\u8d8a\u5c11\u3002\u5bcc\u570b\u9280\u884c\u7b49\u591a\u5bb6\u7db2\u7ad9\u90fd\u63d0\u4f9b\u8a08\u7b97\u5668\uff0c\u5e6b\u52a9\u6d88\u8cbb\u8005\u66b8\u89e3\u5229\u7387\u5982\u4f55\u5f71\u97ff\u9084\u6b3e\u548c\u8cb8\u6b3e\u7684\u7e3d\u91d1\u984d\u3002 \u00a0 \u5373\u4f7f\u60a8\u4e0d\u9700\u8981\u7533\u8acb\u8cb8\u6b3e\uff0c\u6700\u597d\u4e5f\u8981\u5efa\u7acb\u4e26\u7dad\u6301\u826f\u597d\u7684\u4fe1\u7528\u8a18\u9304\u3002\u4e26\u975e\u53ea\u6709\u8cb8\u6b3e\u6a5f\u69cb\u4ee5\u4fe1\u7528\u8a55\u5206\u4f5c\u70ba\u6c7a\u7b56\u4f9d\u64da\uff0d\u8a31\u591a\u4fdd\u96aa\u516c\u53f8\u3001\u624b\u6a5f\u4f9b\u61c9\u5546\u548c\u696d\u4e3b\u4e5f\u6703\u53c3\u8003\u4fe1\u7528\u8a55\u5206\u3002 \u00a0 \u514d\u8cbb\u5de5\u5177\u2026","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\/2014\/10\/Well-fargo-copy.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2014\/10\/Well-fargo-copy.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2014\/10\/Well-fargo-copy.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":276896,"url":"https:\/\/newsforchinese.com\/v3\/2025\/05\/11\/%e8%b2%b8%e6%ac%be%e7%ae%a1%e7%90%86%e6%96%b0%e8%a7%80%e5%bf%b5%ef%bc%9a%e5%be%9e%e5%80%9f%e8%b2%b8%e8%b5%b0%e5%90%91%e8%b2%a1%e5%8b%99%e5%81%a5%e5%ba%b7\/","url_meta":{"origin":267102,"position":5},"title":"\u8cb8\u6b3e\u7ba1\u7406\u65b0\u89c0\u5ff5\uff1a\u5f9e\u501f\u8cb8\u8d70\u5411\u8ca1\u52d9\u5065\u5eb7","author":"Raymond","date":"May 11, 2025","format":false,"excerpt":"\u8fd1\u5e74\u4f86\uff0c\u7f8e\u570b\u91d1\u878d\u754c\u958b\u59cb\u6d41\u884c\u4e00\u500b\u65b0\u7528\u8a9e\u2014\u2014\u300c\u8cb8\u6b3e\u7ba1\u7406\u300d\uff08Loan Management\uff09\u3002\u9019\u500b\u8a5e\u4e0d\u50c5\u50c5\u662f\u6307\u7ba1\u7406\u8cb8\u6b3e\u672c\u8eab\uff0c \u66f4\u53cd\u6620\u4e86\u4e00\u7a2e\u5168\u65b0\u7684\u8ca1\u52d9\u7406\u5ff5\uff1a\u5f9e\u55ae\u7d14\u7684\u9084\u50b5\u884c\u70ba\uff0c\u8f49\u5411\u4ee5\u4fe1\u7528\u7ba1\u7406\u3001\u98a8\u96aa\u63a7\u7ba1\u3001\u8207\u9577\u671f\u8cc7\u7522\u898f\u5283\u70ba\u5c0e\u5411\u7684\u6574\u5408\u7b56\u7565\u3002\u5c0d\u65bc\u500b\u4eba\u3001\u5bb6\u5ead\u751a\u81f3\u5c0f\u4f01\u696d\u800c\u8a00\uff0c\u300c\u8cb8\u6b3e\u7ba1\u7406\u300d\u4e0d\u518d\u53ea\u662f\u9280\u884c\u7684\u4e8b\uff0c\u800c\u662f\u6bcf\u500b\u501f\u6b3e\u4eba\u90fd\u8a72\u4e3b\u52d5\u9762\u5c0d\u7684\u8ca1\u52d9\u8b70\u984c\u3002 \u4e00\u3001\u4ec0\u9ebc\u662f\u300c\u8cb8\u6b3e\u7ba1\u7406\u300d\uff1f \u50b3\u7d71\u4e0a\uff0c\u8cb8\u6b3e\u53ea\u662f\u500b\u4eba\u6216\u4f01\u696d\u53d6\u5f97\u8cc7\u91d1\u7684\u4e00\u7a2e\u624b\u6bb5\u3002\u7136\u800c\uff0c\u96a8\u8457\u4fe1\u7528\u8a55\u5206\u5236\u5ea6\u7684\u666e\u53ca\u3001\u91d1\u878d\u79d1\u6280\u5e73\u53f0\u7684\u8208\u8d77\uff0c\u4ee5\u53ca\u7f8e\u570b\u6d88\u8cbb\u578b\u793e\u6703\u7684\u6df1\u5316\uff0c\u300c\u8cb8\u6b3e\u7ba1\u7406\u300d\u9010\u6f38\u6210\u70ba\u4e00\u9580\u7d9c\u5408\u6027\u5b78\u554f\u3002\u5b83\u6db5\u84cb\u7684\u4e0d\u50c5\u662f\u6bcf\u6708\u7684\u9084\u6b3e\u884c\u70ba\uff0c\u9084\u5305\u62ec\uff1a \u5982\u4f55\u9078\u64c7\u6b63\u78ba\u7684\u8cb8\u6b3e\u7522\u54c1\uff08\u56fa\u5b9a vs \u6d6e\u52d5\u5229\u7387\uff09 \u5982\u4f55\u907f\u514d\u904e\u5ea6\u8ca0\u50b5\u8207\u50b5\u52d9\u96ea\u7403\u6548\u61c9 \u5982\u4f55\u6839\u64da\u4fe1\u7528\u5831\u544a\u8abf\u6574\u9084\u6b3e\u7b56\u7565 \u4f55\u6642\u9069\u5408\u518d\u878d\u8cc7\uff08refinancing\uff09\u6216\u6574\u5408\u8ca0\u50b5\uff08debt consolidation\uff09 \u5982\u4f55\u904b\u7528\u8cb8\u6b3e\u63d0\u5347\u4fe1\u7528\u5206\u6578\u8207\u8ca1\u52d9\u9748\u6d3b\u6027 \u9019\u985e\u670d\u52d9\uff0c\u904e\u53bb\u53ef\u80fd\u53ea\u5c6c\u65bc\u8ca1\u52d9\u9867\u554f\u7684\u7bc4\u7587\uff0c\u5982\u4eca\u900f\u904eApp\u8207AI\u6280\u8853\uff0c\u666e\u7f85\u5927\u773e\u4e5f\u80fd\u8f15\u9b06\u53d6\u5f97\u3002 \u4e8c\u3001\u6578\u4f4d\u5316\u8207AI\u63a8\u52d5\u8cb8\u6b3e\u7ba1\u7406\u9032\u5316 \u91d1\u878d\u79d1\u6280\uff08FinTech\uff09\u7684\u5feb\u901f\u767c\u5c55\u8b93\u300c\u8cb8\u6b3e\u7ba1\u7406\u300d\u9032\u5165\u667a\u6167\u5316\u6642\u4ee3\u3002\u4f8b\u5982\uff0c\u7f8e\u570b\u5df2\u6709\u591a\u500b\u5e73\u53f0\u5982Mint\u3001Credit Karma\u3001SoFi\u3001Upstart\u7b49\uff0c\u63d0\u4f9b\u500b\u4eba\u5316\u7684\u50b5\u52d9\u7ba1\u7406\u5efa\u8b70\u3001\u5373\u6642\u4fe1\u7528\u8ffd\u8e64\u3001\u9084\u6b3e\u63d0\u9192\u8207\u81ea\u52d5\u511f\u50b5\u8a08\u756b\u3002\u9019\u4e9b\u7cfb\u7d71\u901a\u5e38\u6703\u6574\u5408\u7528\u6236\u7684\u4fe1\u7528\u5361\u3001\u5b78\u751f\u8cb8\u6b3e\u3001\u623f\u8cb8\u53ca\u8eca\u8cb8\u8cc7\u8a0a\uff0c\u4e26\u900f\u904e\u4eba\u5de5\u667a\u6167\u5206\u6790\uff0c\u63d0\u51fa\u9084\u6b3e\u512a\u5148\u9806\u5e8f\u8207\u5229\u606f\u7bc0\u7701\u65b9\u6848\u3002 \u8209\u4f8b\u4f86\u8aaa\uff0c\u4e00\u540d\u540c\u6642\u64c1\u6709\u4e09\u7b46\u9ad8\u5229\u8cb8\u6b3e\u7684\u7528\u6236\uff0c\u900f\u904e\u7cfb\u7d71\u5efa\u8b70\u5148\u6e05\u511f\u5229\u7387\u6700\u9ad8\u7684\u90e8\u5206\uff08\u7a31\u70ba\u300c\u96ea\u5d29\u6cd5\u300d\uff09\uff0c\u6216\u662f\u512a\u5148\u511f\u9084\u91d1\u984d\u6700\u5c0f\u7684\u4e00\u7b46\u4ee5\u5efa\u7acb\u9084\u6b3e\u4fe1\u5fc3\uff08\u7a31\u70ba\u300c\u96ea\u7403\u6cd5\u300d\uff09\uff0c\u7686\u5c6c\u65bc\u73fe\u4ee3\u300c\u8cb8\u6b3e\u7ba1\u7406\u300d\u7b56\u7565\u7684\u4e00\u74b0\u3002 \u4e09\u3001\u5b78\u751f\u8cb8\u6b3e\u8207\u623f\u8cb8\u6210\u70ba\u7ba1\u7406\u91cd\u9ede 2025\u5e74\uff0c\u7f8e\u570b\u5b78\u751f\u8cb8\u6b3e\u7e3d\u984d\u4ecd\u8d85\u904e1.7\u5146\u7f8e\u5143\uff0c\u662f\u5e74\u8f15\u4eba\u8cb8\u6b3e\u7ba1\u7406\u7684\u9996\u8981\u6311\u6230\u3002\u7531\u65bc\u806f\u90a6\u5b78\u751f\u8cb8\u6b3e\u5728\u65b0\u51a0\u75ab\u60c5\u5f8c\u5be6\u65bd\u4e86\u9577\u9054\u591a\u5e74\u7684\u300c\u66ab\u505c\u9084\u6b3e\u671f\u300d\uff0c\u5982\u4eca\u91cd\u555f\u5f8c\uff0c\u8a31\u591a\u501f\u6b3e\u4eba\u958b\u59cb\u5c0b\u6c42\u66f4\u667a\u6167\u7684\u511f\u9084\u65b9\u5f0f\uff0c\u5982\u6536\u5165\u5c0e\u5411\u578b\u9084\u6b3e\uff08IDR\uff09\u3001\u516c\u5171\u670d\u52d9\u8cb8\u6b3e\u8c41\u514d\uff08PSLF\uff09\u7b49\u653f\u7b56\u914d\u5408\uff0c\u4e5f\u5e36\u52d5\u4e86\u8cb8\u6b3e\u7ba1\u7406\u670d\u52d9\u7684\u9700\u6c42\u4e0a\u5347\u3002 \u53e6\u4e00\u65b9\u9762\uff0c\u7531\u65bc\u623f\u8cb8\u5229\u7387\u5f9e2022\u5e74\u4ee5\u4f86\u5448\u4e0a\u5347\u8da8\u52e2\uff0c\u518d\u878d\u8cc7\u8207\u623f\u8cb8\u91cd\u7d44\u6210\u70ba\u623f\u4e3b\u95dc\u6ce8\u7126\u9ede\u3002\u65b0\u4e00\u4ee3\u8cb8\u6b3e\u7ba1\u7406\u5de5\u5177\u4e5f\u80fd\u5354\u52a9\u7528\u6236\u8a08\u7b97\u300c\u662f\u5426\u503c\u5f97\u518d\u8cb8\u300d\u3001\u300c\u4f55\u6642\u5207\u63db\u56fa\u5b9a\u8207\u6d6e\u52d5\u5229\u7387\u66f4\u6709\u5229\u300d\u7b49\u554f\u984c\uff0c\u964d\u4f4e\u9577\u671f\u5229\u606f\u652f\u51fa\u3002 \u56db\u3001\u8cb8\u6b3e\u7ba1\u7406\u4e0d\u53ea\u662f\u9084\u9322\uff0c\u66f4\u662f\u8ca1\u52d9\u6559\u80b2\u7684\u4e00\u90e8\u5206 \u8cb8\u6b3e\u7ba1\u7406\u7684\u6838\u5fc3\u6982\u5ff5\uff0c\u5176\u5be6\u662f\u63a8\u52d5\u8ca1\u52d9\u5065\u5eb7\uff08financial wellness\uff09\u3002\u6839\u64daTransUnion\u8abf\u67e5\uff0c\u6709\u8d85\u904e70%\u7684\u7f8e\u570b\u6210\u5e74\u4eba\u5766\u8a00\u81ea\u5df1\u300c\u4e0d\u78ba\u5b9a\u662f\u5426\u6b63\u78ba\u9084\u50b5\u300d\uff0c\u800c\u5728\u8ca1\u52d9\u58d3\u529b\u4e0b\u505a\u51fa\u932f\u8aa4\u6c7a\u7b56\u8005\u6bd4\u6bd4\u7686\u662f\u3002\u900f\u904e\u6559\u80b2\u8207\u5de5\u5177\u7684\u7d50\u5408\uff0c\u8cb8\u6b3e\u7ba1\u7406\u5e6b\u52a9\u4eba\u5011\u7406\u89e3\u81ea\u5df1\u7684\u8ca1\u52d9\u5168\u8c8c\u3001\u505a\u51fa\u7406\u6027\u6c7a\u7b56\u3001\u4e26\u5728\u5fc5\u8981\u6642\u53ca\u65e9\u8aee\u8a62\u5c08\u696d\u5efa\u8b70\u3002 2025\u5e74\u7684\u300c\u8cb8\u6b3e\u7ba1\u7406\u300d\u65e9\u5df2\u4e0d\u662f\u9280\u884c\u90e8\u9580\u7684\u5c08\u6709\u540d\u8a5e\uff0c\u800c\u662f\u6bcf\u4f4d\u501f\u6b3e\u4eba\u90fd\u8a72\u5b78\u7fd2\u638c\u63e1\u7684\u6280\u80fd\u3002\u5728\u6578\u4f4d\u5de5\u5177\u7684\u8f14\u52a9\u4e0b\uff0c\u6bcf\u500b\u4eba\u90fd\u80fd\u66f4\u4e3b\u52d5\u3001\u66f4\u8070\u660e\u5730\u9762\u5c0d\u8cb8\u6b3e\uff0c\u4e0d\u53ea\u662f\u9084\u5f97\u8d77\uff0c\u66f4\u662f\u501f\u5f97\u5de7\u3001\u7ba1\u5f97\u7a69\u3001\u9084\u5f97\u5feb\uff0c\u6700\u7d42\u5be6\u73fe\u771f\u6b63\u7684\u8ca1\u52d9\u81ea\u7531\u3002 \u6587\/\u81f3\u8aa0","rel":"","context":"In &quot;Business&quot;","block_context":{"text":"Business","link":"https:\/\/newsforchinese.com\/v3\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/12\/Two-thirds-of-Americans-think-theyll-be-better-off-financially-in-2024.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/12\/Two-thirds-of-Americans-think-theyll-be-better-off-financially-in-2024.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/12\/Two-thirds-of-Americans-think-theyll-be-better-off-financially-in-2024.webp?resize=525%2C300&ssl=1 1.5x"},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/267102","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=267102"}],"version-history":[{"count":2,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/267102\/revisions"}],"predecessor-version":[{"id":267105,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/267102\/revisions\/267105"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media\/267103"}],"wp:attachment":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media?parent=267102"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/categories?post=267102"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/tags?post=267102"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/series?post=267102"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}