{"id":53252,"date":"2013-06-05T13:07:11","date_gmt":"2013-06-05T20:07:11","guid":{"rendered":"http:\/\/old.newsforchinese.com\/v3\/?p=53252"},"modified":"2013-06-05T13:11:11","modified_gmt":"2013-06-05T20:11:11","slug":"%e5%af%8c%e5%9c%8b%e9%8a%80%e8%a1%8c%e8%aa%bf%e6%9f%a5%e7%be%8e%e7%b1%8d%e8%8f%af%e4%ba%ba%e6%8a%95%e8%b3%87%e8%80%85%e5%b0%8d%e7%9b%ae%e5%89%8d%e8%b2%a1%e5%8b%99%e7%8b%80%e6%b3%81%e6%a8%82%e8%a7%80","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2013\/06\/05\/%e5%af%8c%e5%9c%8b%e9%8a%80%e8%a1%8c%e8%aa%bf%e6%9f%a5%e7%be%8e%e7%b1%8d%e8%8f%af%e4%ba%ba%e6%8a%95%e8%b3%87%e8%80%85%e5%b0%8d%e7%9b%ae%e5%89%8d%e8%b2%a1%e5%8b%99%e7%8b%80%e6%b3%81%e6%a8%82%e8%a7%80\/","title":{"rendered":"\u7f8e\u83ef\u4eba\u6295\u8cc7\u8005\u5c0d\u76ee\u524d\u8ca1\u52d9\u72c0\u6cc1\u6a02\u89c0"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"53253\" data-permalink=\"https:\/\/newsforchinese.com\/v3\/2013\/06\/05\/%e5%af%8c%e5%9c%8b%e9%8a%80%e8%a1%8c%e8%aa%bf%e6%9f%a5%e7%be%8e%e7%b1%8d%e8%8f%af%e4%ba%ba%e6%8a%95%e8%b3%87%e8%80%85%e5%b0%8d%e7%9b%ae%e5%89%8d%e8%b2%a1%e5%8b%99%e7%8b%80%e6%b3%81%e6%a8%82%e8%a7%80\/bank\/\" data-orig-file=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/06\/bank.jpg\" data-orig-size=\"600,450\" 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;}\" data-image-title=\"bank\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/06\/bank.jpg\" class=\"alignnone size-full wp-image-53253\" alt=\"bank\" src=\"http:\/\/old.newsforchinese.com\/v3\/wp-content\/uploads\/2013\/06\/bank.jpg\" width=\"600\" height=\"450\" srcset=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/06\/bank.jpg 600w, https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/06\/bank-300x225.jpg 300w, https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/06\/bank-73x55.jpg 73w, https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/06\/bank-160x120.jpg 160w, https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/06\/bank-60x45.jpg 60w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/>\u6839\u64da\u6700\u8fd1\u4e00\u9805\u5bcc\u570b\u9280\u884c\u5168\u570b\u6027\u8abf\u67e5\u986f\u793a\uff0c<wbr \/>\u76f8\u8f03\u65bc\u7f8e\u570b\u7e3d\u4eba\u53e3\uff0c<!--more--><wbr \/>\u7f8e\u7c4d\u83ef\u4eba\u5c0d\u4ed6\u5011\u76ee\u524d\u53ca\u672a\u4f86\u7684\u8ca1\u52d9\u72c0\u6cc1\u7e7c\u7e8c\u6301\u6709\u4fe1\u5fc3\u3002<wbr \/>\u7f8e\u7c4d\u83ef\u4eba\u4e5f\u66f4\u7a4d\u6975\u5730\u53c3\u8207\u80fd\u5851\u9020\u7a69\u5065\u8ca1\u52d9\u524d\u666f\u7684\u6d3b\u52d5\uff0c<wbr \/>\u4f8b\u5982\u70ba\u9000\u4f11\u5132\u84c4\u53ca\u907f\u514d\u9677\u5165\u4fe1\u7528\u5361\u5361\u50b5\u7b49\u3002<\/p>\n<p>\u6709\u5927\u7d04\u4e09\u5206\u4e4b\u4e8c\u7684\u7f8e\u7c4d\u83ef\u4eba\u8868\u793a\u5c0d\u5176\u8ca1\u52d9\u72c0\u6cc1\u611f\u5230\u6eff\u610f (67%)\uff0c\u4e26\u4e14\u5c0d\u4ed6\u5011\u7684\u8ca1\u52d9\u524d\u666f\u5145\u6eff\u4fe1\u5fc3 (65%)\uff0c\u76f8\u8f03\u4e4b\u4e0b\uff0c\u6240\u6709\u7f8e\u570b\u6210\u5e74\u4eba\u4e2d\uff0c<wbr \/>\u5927\u7d04\u53ea\u6709\u534a\u6578\u4eba\u9019\u9ebc\u8a8d\u70ba\u3002\u6709\u4e94\u5206\u4e4b\u4e09 (60%) \u7684\u7f8e\u7c4d\u83ef\u4eba\u8a8d\u70ba\u4ed6\u5011\u73fe\u5728\u6bd4\u4e09\u5e74\u524d\u8f03\u7232\u5bcc\u88d5\uff08\u76f8\u8f03\u65bc\u7f8e\u570b\u5bb6\u5ead\u7684 51%\uff09\u3002\u7f8e\u7c4d\u83ef\u4eba\u7684\u5bb6\u5ead\u6536\u5165\u4e5f\u6709\u986f\u8457\u63d0\u9ad8\uff0c\u5176\u4e2d\u6709\u5927\u7d04\u4e09\u5206\u4e4b\u4e00 (37%) \u7684\u5bb6\u5ead\u5e74\u6536\u5165\u8d85\u904e 100,000 \u7f8e\u5143\uff08\u76f8\u8f03\u65bc\u6240\u6709\u7f8e\u570b\u6210\u5e74\u4eba\u7684 23%\uff09\u3002<\/p>\n<p>\u7f8e\u7c4d\u83ef\u4eba\u4e5f\u70ba\u9000\u4f11\u5132\u84c4\u66f4\u591a\uff0c<wbr \/>\u5176\u5132\u84c4\u5e73\u5747\u70ba\u5168\u7f8e\u672a\u9000\u4f11\u6210\u5e74\u4eba\u7684\u5169\u500d\uff08<wbr \/>\u5132\u84c4\u7387\u986f\u8457\u9ad8\u65bc\u5168\u570b\u5e73\u5747\u6c34\u6e96\uff09\u3002<wbr \/>\u672a\u9000\u4f11\u7f8e\u7c4d\u83ef\u4eba\u81ea\u8ff0\u7684\u9000\u4f11\u5132\u84c4\u4e2d\u503c\u70ba 100,000 \u7f8e\u5143\uff0c\u76f8\u8f03\u4e4b\u4e0b\uff0c\u5168\u7f8e\u672a\u9000\u4f11\u4eba\u53e3\u5e73\u5747\u53ea\u5132\u84c4 45,000 \u7f8e\u5143\u3002\u7f8e\u7c4d\u83ef\u4eba\u6bd4\u8f03\u91cd\u8996\u5132\u84c4\uff0c\u6709 43% \u7684\u4eba\u5229\u7528\u6e1b\u5c11\u958b\u652f\u4f86\u70ba\u9000\u4f11\u7a4d\u84c4\uff08\u76f8\u8f03\u65bc\u7e3d\u4eba\u53e3\u7684 36%\uff09\u3002\u53ea\u6709\u56db\u5206\u4e4b\u4e00\u7684\u7f8e\u7c4d\u83ef\u4eba (24%) \u8a8d\u70ba\u76ee\u524d\u7684\u958b\u92b7\u4f7f\u5176\u7121\u6cd5\u70ba\u672a\u4f86\u5132\u84c4\uff08\u76f8\u8f03\u65bc\u7e3d\u4eba\u53e3\u768439%\uff09\u3002<wbr \/>\u800c\u4e14\u6709\u5c07\u8fd1\u4e09\u5206\u4e4b\u4e8c (63%) \u7684\u4eba\u76f8\u4fe1\u4ed6\u5011\u5728\u9000\u4f11\u5f8c\u5c07\u80fd\u7e7c\u7e8c\u73fe\u6709\u7684\u751f\u6d3b\u65b9\u5f0f\uff0c\u76f8\u6bd4\u4e4b\u4e0b\uff0c<wbr \/>\u7e3d\u4eba\u53e3\u4e2d\u50c5\u6709\u4e94\u6210\u4e0d\u5230\u7684\u4eba\u9019\u6a23\u8a8d\u7232 (48%)\u3002<\/p>\n<p>\u300c\u597d\u6d88\u606f\u662f\u5f88\u591a\u7f8e\u7c4d\u83ef\u4eba\u5df2\u7d93\u5177\u5099\u4e86\u7a69\u5065\u7684\u7d93\u6fdf\u57fa\u790e\uff0c<wbr \/>\u8db3\u4ee5\u5be6\u73fe\u4ed6\u5011\u7684\u9577\u671f\u8ca1\u52d9\u76ee\u6a19\u3002\u4f46\u662f\uff0c<wbr \/>\u4e26\u975e\u6240\u6709\u4eba\u90fd\u80fd\u5145\u5206\u5730\u767c\u63ee\u4ed6\u5011\u7684\u6295\u8cc7\u6f5b\u529b\u3002<wbr \/>\u5118\u7ba1\u8996\u9000\u4f11\u5132\u84c4\u70ba\u512a\u5148\u8981\u52d9\uff0c\u4f46\u662f\u53ea\u6709\u4e94\u5206\u4e4b\u4e8c (43%) \u7684\u4eba\u5099\u6709\u66f8\u9762\u7684\u9000\u4f11\u8a08\u5283\u3002\u4e0b\u4e00\u6b65\u5c31\u662f\u843d\u7b46\u5230\u7d19\u4e0a\uff0c<wbr \/>\u898f\u5283\u4ed6\u5011\u7684\u76ee\u6a19\u4ee5\u53ca\u5be6\u73fe\u7684\u65b9\u6cd5\u3002\u9019\u5305\u62ec\u5c0d\u826f\u597d\u6295\u8cc7\u5efa\u8b70\u7684\u9700\u8981\u3002\u300d<wbr \/>\u5bcc\u570b\u79c1\u4eba\u9280\u884c\u8cc7\u6df1\u4fe1\u8a17\u53ca\u8a17\u7ba1\u5c08\u54e1 Margaret Liu \u8aaa\u9053\u3002<\/p>\n<p><strong>\u91cf\u5165\u70ba\u51fa<\/strong><\/p>\n<p>\u7f8e\u7c4d\u83ef\u4eba\u8f03\u5177\u6709\u91cf\u5165\u70ba\u51fa\u7684\u89c0\u5ff5\uff0c\u5f88\u5c11\u6703\u51fa\u73fe\u5165\u4e0d\u6577\u51fa\u7684\u60c5\u6cc1\u3002<wbr \/>\u5927\u591a\u6578\u4eba (65%) \u8868\u793a\u6bcf\u500b\u6708\u90fd\u6703\u4ed8\u6e05\u4fe1\u7528\u5361\u6b20\u6b3e\uff0c\u76f8\u8f03\u65bc\u6240\u6709\u7f8e\u570b\u4eba\u53ea\u6709 42%\u3002\u5be6\u969b\u4e0a\uff0c\u6709 24% \u7684\u7f8e\u570b\u4eba\u8868\u793a\u6bcf\u6708\u81f3\u5c11\u6709 5,000 \u7f8e\u5143\u7684\u8f49\u7d50\u4fe1\u7528\u5361\u50b5\uff0c\u800c\u7f8e\u7c4d\u83ef\u4eba\u7684\u5c0d\u61c9\u6bd4\u4f8b\u50c5\u70ba\u9019\u4e00\u6578\u5b57\u7684\u4e00\u534a\uff0c<wbr \/>\u53ea\u670911% \u7684\u7f8e\u7c4d\u83ef\u4eba\u6709\u540c\u6a23\u7a0b\u5ea6\u7684\u6b20\u6b3e\u3002\u53ea\u6709\u4e94\u5206\u4e4b\u4e00\u7684\u7f8e\u7c4d\u83ef\u4eba (22%) \u8868\u793a\u4ed6\u5011\u6709\u8ca0\u64d4\u4e0d\u8d77\u7684\u50b5\u52d9\uff0c\u50c5\u70ba\u5168\u570b\u5e73\u5747\u6c34\u6e96 38% \u7684\u4e00\u534a\u5de6\u53f3\u3002\u53ea\u6709 17% \u7684\u7f8e\u7c4d\u83ef\u4eba\u8aaa\u4ed6\u5011\u5165\u4e0d\u6577\u51fa\uff08\u76f8\u8f03\u65bc\u7e3d\u4eba\u53e3\u768425%\uff09\u3002<\/p>\n<p><strong>\u5c0d\u7f8e\u570b\u7d93\u6fdf\u548c\u7576\u5730\u623f\u5730\u7522\u5e02\u5834\u5145\u6eff\u5e0c\u671b<\/strong><\/p>\n<p>\u76f8\u8f03\u65bc\u5168\u570b\u5e73\u5747\u6c34\u6e96\uff0c<wbr \/>\u7f8e\u7c4d\u83ef\u4eba\u6574\u9ad4\u4e0a\u4f3c\u4e4e\u66f4\u770b\u597d\u7f8e\u570b\u53ca\u5730\u65b9\u7d93\u6fdf\u7684\u7d93\u6fdf\u767c\u5c55\u65b9\u5411\u3002\u5927\u90e8\u5206 (55%) \u7684\u7f8e\u7c4d\u83ef\u4eba\u9810\u671f\u570b\u6c11\u7d93\u6fdf\u5c07\u5728\u672a\u4f86\u5169\u5e74\u5f97\u5230\u6539\u5584\uff08<wbr \/>\u76f8\u8f03\u65bc\u6240\u6709\u7f8e\u570b\u6210\u5e74\u4eba\u7684 47%\uff09\uff0c\u800c\u53ea\u6709 14% \u7684\u7f8e\u7c4d\u83ef\u4eba\u8a8d\u70ba\u7d93\u6fdf\u5c07\u6703\u8870\u9000\uff08\u76f8\u8f03\u65bc\u6574\u9ad4\u7684 33%\uff09\u3002\u7f8e\u7c4d\u83ef\u4eba\u5c24\u5176\u770b\u597d\u6700\u8fd1\u623f\u5730\u7522\u5e02\u5834\u4e0a\u7684\u6539\u5584\u60c5\u6cc1\u3002<wbr \/>\u6709\u4e09\u5206\u4e4b\u4e8c (67%) \u7684\u7f8e\u7c4d\u83ef\u4eba\u5bdf\u89ba\u5230\u7576\u5730\u623f\u5730\u7522\u5e02\u5834\u6709\u6240\u6539\u5584\uff0c<wbr \/>\u9019\u500b\u6bd4\u4f8b\u986f\u8457\u9ad8\u65bc\u5168\u570b\u5e73\u5747\u6c34\u6e96 (54%)\u3002<\/p>\n<p>\u7f8e\u7c4d\u83ef\u4eba\u5c0d\u570b\u5bb6\u653f\u6cbb\u767c\u5c55\u65b9\u5411\u7684\u5206\u6b67\u8207\u6574\u9ad4\u60c5\u6cc1\u5dee\u4e0d\u591a\u3002\u6709\u5c07\u8fd1\u4e00\u534a (47%) \u7684\u7f8e\u7c4d\u83ef\u4eba\u5c0d\u7f8e\u570b\u653f\u6cbb\u7684\u767c\u5c55\u65b9\u5411\u8868\u793a\u6a02\u89c0\uff08\u76f8\u8f03\u65bc\u5168\u570b\u6210\u5e74\u4eba\u7684 43%\uff09\u3002\u8f03\u5e74\u8f15\u7684\u7f8e\u7c4d\u83ef\u4eba\u5c0d\u653f\u6cbb\u767c\u5c55\u65b9\u5411\u5c24\u5176\u6a02\u89c0\uff08\u5e74\u9f61\u5728 25 \u5230 39 \u6b72\u4e4b\u9593\u7684\u4eba\u7576\u4e2d\u6709 56% \u8868\u793a\u6a02\u89c0\uff09\u3002<\/p>\n<p><strong>\u5bcc\u570b\u9280\u884c\u793e\u5340\u95dc\u61f7\u670d\u52d9<\/strong><\/p>\n<p>\u5bcc\u570b\u9280\u884c\u7a4d\u6975\u81f4\u529b\u65bc\u64f4\u5c55\u83ef\u4eba\u793e\u5340\u670d\u52d9\uff0c<wbr \/>\u628a\u91cd\u9ede\u653e\u5728\u70ba\u7f8e\u7c4d\u83ef\u4eba\u5ba2\u6236\u63d0\u4f9b\u91d1\u878d\u6559\u80b2\uff0c<wbr \/>\u4f7f\u4ed6\u5011\u80fd\u7372\u5f97\u8ca1\u52d9\u4e0a\u7684\u6210\u529f\u3002<wbr \/>\u5bcc\u570b\u9280\u884c\u767c\u5c55\u4e86\u4e00\u500b\u7d9c\u5408\u91d1\u878d\u6559\u80b2\u5e73\u81fa\uff0c<wbr \/>\u70ba\u83ef\u4eba\u793e\u5340\u4e2d\u666e\u904d\u5b58\u5728\u7684\u91d1\u878d\u554f\u984c\u63d0\u4f9b\u6307\u5c0e\u3002<wbr \/>\u85c9\u7531\u8207\u5168\u570b\u548c\u793e\u5340\u7d44\u7e54\u53ca\u5168\u570b\u5404\u5730\u7684\u5a92\u9ad4\u4e4b\u9593\u5efa\u7acb\u95dc\u4fc2\uff0c<wbr \/>\u5bcc\u570b\u9280\u884c\u900f\u904e\u5370\u5237\u3001<wbr \/>\u6578\u4f4d\u53ca\u7814\u8a0e\u6703\u7b49\u591a\u7a2e\u65b9\u5f0f\u70ba\u5ee3\u6cdb\u7684\u53d7\u773e\u63d0\u4f9b\u8ca1\u52d9\u89e3\u6c7a\u65b9\u6848\u3002<wbr \/>\u53e6\u4e00\u9805\u5bcc\u570b\u9280\u884c\u8cc7\u6e90\u662f\u300c\u6211\u7684\u8ca1\u52d9\u6307\u5c0e\u300d\uff08<a href=\"http:\/\/click.icptrack.com\/icp\/relay.php?r=1035748506&amp;msgid=2064486&amp;act=ARCT&amp;c=412991&amp;destination=https%3A%2F%2Fwww.wellsfargo.com%2Ffinancial-education\" target=\"_blank\">My Financial Guide<\/a>\uff0c\u53ea\u63d0\u4f9b\u82f1\u8a9e\u670d\u52d9\uff09\uff0c\u9019\u662f\u4e00\u7a2e\u7531\u6587\u7ae0\u3001<wbr \/>\u8996\u8a0a\u548c\u5de5\u5177\u7d44\u6210\u7684\u7db2\u4e0a\u8cc7\u6e90\uff0c<wbr \/>\u65e8\u5728\u5e6b\u52a9\u6d88\u8cbb\u8005\u5b78\u7fd2\u66f4\u591a\u8cc7\u91d1\u7ba1\u7406\u65b9\u9762\u7684\u77e5\u8b58\uff0c\u4e5f\u66f4\u6709\u81ea\u4fe1\u7406\u8ca1\u3002<\/p>\n<p><strong>\u95dc\u65bc\u7814\u7a76\u8abf\u67e5<\/strong><\/p>\n<p>\u9019\u4e9b\u8cc7\u6599\u662f\u5f9e 2012 \u5e74 11 \u6708 9 \u65e5\u5230 12 \u6708 3 \u65e5\u5c0d\u5168\u570b\u6210\u5e74\u4eba\uff08\u6a23\u672c\u6578\uff1d1,105\u4eba\uff09\u53ca\u7f8e\u7c4d\u83ef\u4eba\uff08\u6a23\u672c\u6578\uff1d<wbr \/>500 \u4eba\uff0c\u5176\u4e2d\u6709 52 \u4eba\u63a1\u7528\u7c21\u9ad4\u4e2d\u6587\u9032\u884c\u8abf\u67e5\uff09\u9032\u884c\u7684\u7db2\u8def\u8abf\u67e5\u7d50\u679c\u3002<wbr \/>\u7b26\u5408\u689d\u4ef6\u7684\u53d7\u8a2a\u8005\u662f\u975e\u5b78\u751f\u4eba\u7fa4\uff0c\u5e74\u9f61\u5728 25 \u5230 75 \u6b72\u4e4b\u9593\uff0c\u662f\u5bb6\u4e2d\u7684\u4e3b\u8981\u6216\u806f\u5408\u8ca1\u52d9\u6c7a\u7b56\u8005\uff0c<wbr \/>\u4e14\u5bb6\u5ead\u53ef\u6295\u8cc7\u8cc7\u7522\u81f3\u5c11\u9054\u5230 10,000 \u7f8e\u5143\u3002\u8abf\u67e5\u7d50\u679c\u7d93\u904e\u52a0\u6b0a\u4ee5\u53cd\u6620\u51fa\u5982\u6027\u5225\u3001\u5e74\u9f61\u3001\u4eba\u7a2e\uff0f\u7a2e\u65cf\u3001<wbr \/>\u5730\u5340\u53ca\u5bb6\u5ead\u6536\u5165\u7b49\u666e\u67e5\u8cc7\u6599\uff0c\u78ba\u4fdd\u5176\u5177\u5099\u4ee3\u8868\u6027\u3002<wbr \/>\u5047\u8a2d\u6c92\u6709\u6a23\u672c\u504f\u5dee\uff0c\u5168\u570b\u62bd\u6a23\u7684\u6700\u5927\u8aa4\u5dee\u7387\u662f\u6b63\u8ca0 2.9 \u500b\u767e\u5206\u9ede\uff0c\u800c\u7f8e\u7c4d\u83ef\u4eba\u7684\u62bd\u6a23\u8aa4\u5dee\u7387\u5247\u662f\u6b63\u8ca0 4.4 \u500b\u767e\u5206\u9ede\u3002<\/p>\n<p><strong>\u95dc\u65bc<\/strong><strong>\u00a0Market Probe<\/strong><\/p>\n<p>Market Probe \u662f\u4e00\u5bb6\u63d0\u4f9b\u5168\u9762\u670d\u52d9\u7684\u5e02\u5834\u8abf\u67e5\u516c\u53f8\uff0c<wbr \/>\u7e3d\u90e8\u8a2d\u5728\u5a01\u65af\u5eb7\u8f9b\u5dde\u5bc6\u723e\u74e6\u57fa\u5e02\uff0c\u5728\u4f0a\u5229\u8afe\u5dde\u57c3\u6587\u65af\u9813\u8a2d\u6709\u8fa6\u4e8b\u8655\uff0c<wbr \/>\u5c08\u7cbe\u65bc\u91dd\u5c0d\u96e3\u63a5\u89f8\u7684\u4eba\u7fa4\u53ca\u5c08\u696d\u793e\u7fa4\u800c\u9032\u884c\u884c\u70ba\u53ca\u610f\u898b\u8abf\u67e5\u3002\u8acb\u767b\u5165\u00a0<a href=\"http:\/\/click.icptrack.com\/icp\/relay.php?r=1035748506&amp;msgid=2064486&amp;act=ARCT&amp;c=412991&amp;destination=http%3A%2F%2Fwww.marketprobe.com%2F\" target=\"_blank\">marketprobe.com<\/a>\uff08\u50c5\u63d0\u4f9b\u82f1\u6587\u7248\u672c\uff09<wbr \/>\u67e5\u95b1\u8a73\u7d30\u8cc7\u8a0a\u3002<\/p>\n<p><strong>\u95dc\u65bc\u5bcc\u570b\u8ca1\u5bcc\u3001\u7d93\u7d00\u548c\u9000\u4f11\u7ba1\u7406\u516c\u53f8<\/strong><strong>(Wells Fargo Wealth, Brokerage and Retirement)<\/strong><\/p>\n<p>\u5bcc\u570b\u8ca1\u5bcc\u3001\u7d93\u7d00\u548c\u9000\u4f11\u7ba1\u7406\u516c\u53f8 (WBR) \u662f\u7f8e\u570b\u6700\u5927\u7684\u8ca1\u5bcc\u7ba1\u7406\u6a5f\u69cb\u4e4b\u4e00\uff0c\u638c\u7ba1 1.3 \u5146\u7f8e\u5143\u7684\u8cc7\u7522\u3002WBR \u65d7\u4e0b\u5305\u62ec\u5bcc\u570b\u9280\u884c\u6295\u8cc7\u9867\u554f\u516c\u53f8 (Wells Fargo Advisors)\uff0c\u7f8e\u570b\u7b2c\u4e09\u5927\u7d93\u7d00\u516c\u53f8\uff1b\u5bcc\u570b\u79c1\u4eba\u9280\u884c (Wells Fargo Private Bank)\uff0c\u70ba\u9ad8\u6de8\u503c\u500b\u4eba\u53ca\u5bb6\u5ead\u63d0\u4f9b\u670d\u52d9\uff1b\u5bcc\u570b\u5bb6\u5ead\u8ca1\u5bcc\u7ba1\u7406\u516c\u53f8 (Wells Fargo Family Wealth)\uff0c\u70ba\u8d85\u9ad8\u6de8\u503c\u5bb6\u5ead\u63d0\u4f9b\u670d\u52d9\uff1b\u4ee5\u53ca\u5bcc\u570b\u9280\u884c\u9000\u4f11\u516c\u53f8 (Wells Fargo Retirement)\uff0c\u70ba 350 \u842c\u7f8e\u570b\u4eba\u638c\u7ba1\u50f9\u503c\u9ad8\u9054 2,310 \u5104\u7f8e\u5143\u7684 401(k) \u9000\u4f11\u8a08\u5283\u8cc7\u7522\u3002\u5bcc\u570b\u9280\u884c\u6295\u8cc7\u9867\u554f\u516c\u53f8 (Wells Fargo Advisors) \u662f\u7531\u5bcc\u570b\u96c6\u5718\u516c\u53f8 (Wells Fargo&amp; Company) \u65d7\u4e0b\u7684\u5169\u5bb6\u7368\u7acb\u8a3b\u518a\u7684\u7d93\u7d00\u4ea4\u6613\u5546\u53ca\u975e\u9280\u884c\u9644\u5c6c\u6a5f\u69cb\u4f7f\u7528\u7684\u5546\u6a19\u540d\u7a31<wbr \/>\uff0c\u5373\u5bcc\u570b\u9280\u884c\u6295\u8cc7\u9867\u554f\u516c\u53f8 (Wells Fargo Advisors, LLC) \u4ee5\u53ca Wells Fargo Advisors Financial Network, LLC, Members SIPC\u3002<\/p>\n<p><strong>\u95dc\u65bc\u5bcc\u570b<\/strong><strong>\u00a0(Twitter @WellsFargo)<\/strong><\/p>\n<p>\u5bcc\u570b\u96c6\u5718\u516c\u53f8 (Wells Fargo&amp; Company) \uff08\u7d10\u7d04\u8b49\u5238\u4ea4\u6613\u6240\u4ee3\u78bc\uff1aWFC\uff09<wbr \/>\u662f\u4e00\u5bb6\u5168\u570b\u6027\u7684\u591a\u89d2\u5316\u7d93\u71df\u793e\u5340\u578b\u91d1\u878d\u670d\u52d9\u516c\u53f8\uff0c\u516c\u53f8\u8cc7\u7522\u70ba 1.4 \u5146\u7f8e\u5143\u8cc7\u7522\u3002\u5bcc\u56ef\u9280\u884c\u5275\u7acb\u65bc 1852 \u5e74\uff0c\u7e3d\u90e8\u8a2d\u5728\u820a\u91d1\u5c71\uff0c\u900f\u904e 9,000 \u591a\u5bb6\u5206\u884c\u300112,000 \u591a\u53f0\u81ea\u52d5\u6ac3\u54e1\u6a5f\u4ee5\u53ca\u7db2\u969b\u7db2\u8def (<a href=\"http:\/\/click.icptrack.com\/icp\/relay.php?r=1035748506&amp;msgid=2064486&amp;act=ARCT&amp;c=412991&amp;destination=http%3A%2F%2Fwellsfargo.com%2F\" target=\"_blank\">wellsfargo.com<\/a>\uff0c\u50c5\u63d0\u4f9b\u82f1\u6587\u7248\u672c)\uff0c<wbr \/>\u63d0\u4f9b\u9280\u884c\u696d\u52d9\u3001\u4fdd\u96aa\u3001\u6295\u8cc7\u3001\u62b5\u62bc\u8cb8\u6b3e\u4ee5\u53ca\u6d88\u8cbb\u6027\u548c\u5546\u696d\u878d\u8cc7\uff0c<wbr \/>\u4e26\u4e14\u5728\u8d85\u904e 35 \u500b\u570b\u5bb6\uff0f\u5730\u5340\u8a2d\u6709\u8fa6\u4e8b\u8655\uff0c<wbr \/>\u4ee5\u652f\u6301\u8a72\u516c\u53f8\u5728\u5168\u7403\u7d93\u6fdf\u4e2d\u958b\u5c55\u696d\u52d9\u7684\u5ba2\u6236\u3002\u5bcc\u56ef\u9280\u884c\u64c1\u6709\u7531 270,000 \u591a\u540d\u5c08\u696d\u6210\u54e1\u7d44\u6210\u7684\u9f90\u5927\u5718\u968a\uff0c<wbr \/>\u5728\u7f8e\u570b\u6bcf\u4e09\u500b\u5bb6\u5ead\u5c31\u6709\u4e00\u500b\u5bb6\u5ead\u4eab\u53d7\u5176\u670d\u52d9\u3002\u5bcc\u570b\u96c6\u5718\u516c\u53f8 (Wells Fargo&amp; Company) \u540d\u5217\u300a<em>\u8ca1\u661f<\/em>\u300b\u96dc\u8a8c 2013 \u5e74\u7f8e\u570b\u6700\u5927\u4f01\u696d\u6392\u884c\u699c\u7b2c 25 \u540d\u3002<wbr \/>\u5bcc\u570b\u9280\u884c\u7684\u9858\u666f\u662f\u6eff\u8db3\u6211\u5011\u5ba2\u6236\u7684\u6240\u6709\u7406\u8ca1\u9700\u6c42\u4e26\u52a9\u5176\u7372\u5f97\u8ca1\u52d9\u4e0a\u7684<wbr \/>\u6210\u529f\u3002<\/p>\n<p>\u5099\u8a3b\uff1a\u6839\u64da\u8981\u6c42\u63d0\u4f9b\u5b8c\u6574\u7684\u8abf\u67e5\u7d50\u679c\u3002<\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"money\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1370437631\"\r\n\t            data-title=\"\u7f8e\u83ef\u4eba\u6295\u8cc7\u8005\u5c0d\u76ee\u524d\u8ca1\u52d9\u72c0\u6cc1\u6a02\u89c0\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>&nbsp; \u6839\u64da\u6700\u8fd1\u4e00\u9805\u5bcc\u570b\u9280\u884c\u5168\u570b\u6027\u8abf\u67e5\u986f\u793a\uff0c\u76f8\u8f03\u65bc\u7f8e\u570b\u7e3d\u4eba\u53e3\uff0c<\/p>\n","protected":false},"author":1,"featured_media":0,"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_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":[18],"tags":[],"series":[],"class_list":["post-53252","post","type-post","status-publish","format-standard","hentry","category-money"],"aioseo_notices":[],"featured_image_urls":{},"appp_media":null,"episode_featured_image":false,"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=\"C7D2rDI7EI\"><a href=\"https:\/\/newsforchinese.com\/v3\/2013\/06\/05\/%e5%af%8c%e5%9c%8b%e9%8a%80%e8%a1%8c%e8%aa%bf%e6%9f%a5%e7%be%8e%e7%b1%8d%e8%8f%af%e4%ba%ba%e6%8a%95%e8%b3%87%e8%80%85%e5%b0%8d%e7%9b%ae%e5%89%8d%e8%b2%a1%e5%8b%99%e7%8b%80%e6%b3%81%e6%a8%82%e8%a7%80\/\">\u7f8e\u83ef\u4eba\u6295\u8cc7\u8005\u5c0d\u76ee\u524d\u8ca1\u52d9\u72c0\u6cc1\u6a02\u89c0<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/newsforchinese.com\/v3\/2013\/06\/05\/%e5%af%8c%e5%9c%8b%e9%8a%80%e8%a1%8c%e8%aa%bf%e6%9f%a5%e7%be%8e%e7%b1%8d%e8%8f%af%e4%ba%ba%e6%8a%95%e8%b3%87%e8%80%85%e5%b0%8d%e7%9b%ae%e5%89%8d%e8%b2%a1%e5%8b%99%e7%8b%80%e6%b3%81%e6%a8%82%e8%a7%80\/embed\/#?secret=C7D2rDI7EI\" width=\"500\" height=\"350\" title=\"&#8220;\u7f8e\u83ef\u4eba\u6295\u8cc7\u8005\u5c0d\u76ee\u524d\u8ca1\u52d9\u72c0\u6cc1\u6a02\u89c0&#8221; &#8212; News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" data-secret=\"C7D2rDI7EI\" 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":"","jetpack-related-posts":[{"id":97598,"url":"https:\/\/newsforchinese.com\/v3\/2015\/02\/13\/%e6%85%b6%e7%a5%9d%e7%be%8a%e5%b9%b4%ef%bc%8c%e5%af%8c%e5%9c%8b%e9%8a%80%e8%a1%8c%e6%8f%90%e4%be%9b5%e8%90%ac%e7%be%8e%e5%85%83%e5%a4%a7%e5%ad%b8%e7%8d%8e%e5%ad%b8%e9%87%91\/","url_meta":{"origin":53252,"position":0},"title":"\u6176\u795d\u7f8a\u5e74\uff0c\u5bcc\u570b\u9280\u884c\u63d0\u4f9b5\u842c\u7f8e\u5143\u5927\u5b78\u734e\u5b78\u91d1","author":"Raymond","date":"February 13, 2015","format":false,"excerpt":"\u70ba\u4e86\u8fce\u63a5\u8fb2\u66c6\u65b0\u5e74\u7684\u4f86\u5230\uff0cWell Fargo & Company \u70ba\u7f8e\u7c4d\u4e9e\u592a\u88d4\u734e\u5b78\u57fa\u91d1\u6350\u795d5\u842c\u7f8e\u5143\u7684\u734e\u5b78\u91d1\uff0c\u4ee5\u5e6b\u52a9\u7f8e\u7c4d\u4e9e\u592a\u88d4\u5b78\u5b50\u5be6\u73fe\u66f4\u9ad8\u7684\u6c42\u5b78\u76ee\u6a19\u3002Wells Fargo\u4e5f\u5c07\u53c3\u52a0\u5168\u7f8e\u5404\u5730\u7684\u6625\u7bc0\u6176\u795d\u6d3b\u52d5\uff0c\u5305\u62ec\u820a\u91d1\u5c71\uff0c\u6d1b\u6749\u78ef\uff0c\u4f11\u58eb\u9813\uff0c\u897f\u96c5\u5716\uff0c\u548c\u7d10\u7d04\u3002 \u5728\u820a\u91d1\u5c71\u57ce\u4e2d\u5fc32\/13\/2015\u7684\u65b0\u805e\u767c\u4f48\u6703\u4e2d\uff0cWells Fargo Vice President and District Manager Derek Fong \u8868\u793a\uff0c\u201d\u81ea2006\u5e74\u8d77\uff0c\u5bcc\u570b\u9280\u884c\u4e00\u76f4\u79c9\u627f\u53c3\u8207\u793e\u5340\u7684\u7406\u5ff5\uff0c\u5c0d\u7d93\u6fdf\u9700\u8981\u5354\u52a9\u7684\u4e9e\u88d4\u5b78\u5b50\u63d0\u4f9b\u7533\u8acb\u734e\u5b78\u91d1\u7684\u6a5f\u6703\u3002\u4e0d\u662f\u6bcf\u4e00\u500b\u5bb6\u5ead\u90fd\u53ef\u4ee5\u652f\u6301\u5b69\u5b50\u5538\u5927\u5b78\u7684\uff0c\u5bcc\u570b\u9280\u884c\u7d66\u4e88\u4ed6\u5011\u6a5f\u6703\u7e7c\u7e8c\u5927\u5b78\u6559\u80b2\uff0c\u65e5\u5f8c\u767c\u5c55\u4e8b\u696d\uff0c\u518d\u7e7c\u7e8c\u56de\u994b\u793e\u6703\u3002\u201d \u7576\u8a18\u8005\u554f\u8d77\u662f\u5426\u5fc5\u9700\u662f4.0\u6210\u7e3e\u5b78\u751f\u624d\u6709\u8cc7\u683c\u7533\u8acb\u734e\u5b78\u91d1\uff0c Wells Fargo Vice President, Affluent Customer Segment Jimmy Kwan\u5247\u56de\u61c9 \" 4.0\u6210\u7e3e\u4e0d\u662f\u8003\u91cf\u7684\u689d\u4ef6\uff0c\u6700\u4e3b\u8981Wells Fargo\u662f\u8981\u5e6b\u52a9\u9700\u8981\u7d93\u6fdf\u88dc\u52a9\u7684\u5b78\u751f\uff0c\u53ea\u8981\u5b78\u751f\u8868\u73fe\u6709\u5411\u9032\u7684\u6c42\u5b78\uff0c\u9818\u5c0e\u80fd\u529b\uff0c\u5805\u6301\u529b\uff0c\u6211\u5011\u90fd\u6703\u653e\u5165\u8003\u91cf\u4e2d\u3002\u201d \u5bcc\u570b\u9280\u884c\u66fe\u65bc2014\u5e74\u627f\u8afe\u70ba\u7f8e\u7c4d\u4e9e\u592a\u88d4\u734e\u5b78\u57fa\u91d1\u63d0\u4f9b315 \u842c\u7f8e\u5143\u7684\u8d0a\u52a9\u3002\u800c\u81ea2006\u4ee5\u4f86\u5bcc\u570b\u9280\u884c\u5c0d\u7f8e\u7c4d\u4e9e\u592a\u88d4\u734e\u5b78\u57fa\u91d1\u5df2\u8d85\u904e540\u842c\u3002\u5728\u96d9\u65b9\u7684\u5408\u4f5c\u4e0b\u5168\u570b\u548c\u592a\u5e73\u6d0b\u5dba\u571f\u5df2\u6709800\u591a\u540d\u5b78\u751f\u7372\u5f97\u5e6b\u52a9\u3002 Jim Foley\uff0cWell Fargo Executive Vice President and President of the Bay Area Region \u57282\/13\/2015 \u7684\u8a18\u8005\u6703\u4e2d\u89aa\u624b\u5c07$50,000\u7684\u6350\u8d08\u652f\u7968\u4ea4\u8d08\u65bcNeil Horikoshi\uff0c\u7f8e\u7c4d\u4e9e\u592a\u88d4\u734e\u5b78\u57fa\u91d1\u7e3d\u88c1\u517c\u57f7\u884c\u8463\u4e8b\u3002 Jim Foley\u8868\u793a\uff0c\u201d\u65b0\u5e74\u662f\u8207\u5bb6\u4eba\uff0c\u89aa\u6709\u5718\u5713\u7684\u6642\u523b\uff0c\u5bcc\u570b\u9280\u884c\u5718\u968a\u5728\u9019\u83ef\u4eba\u6587\u5316\u6700\u91cd\u8981\u7684\u6176\u5178\uff0c\u8aa0\u5fc3\u795d\u798f\u6bcf\u4e00\u5bb6\u5ead\u5e73\u5b89\u559c\u6a02\uff0c\u5bcc\u8cb4\u4eab\u798f\u3002\u6211\u5011\u70ba\u4e86\u97ff\u61c9\u8fb2\u66c6\u7684\u6176\u795d\u7cbe\u795e\uff0c\u5c07\u6703\u53c3\u8207\u4e00\u5e74\u4e00\u5ea6\u7684\u65b0\u5e74\u82b1\u8eca\u904a\u884c\u3002\u53e6\u5916\u5bcc\u570b\u9280\u884c\u65bc2015\u5e742\u67082\u65e5\u81f33\u67086\u65e5\u5c55\u958b\u8d08\u9001\u516c\u7f8a\u5132\u9322\u7b52\u7684\u6d3b\u52d5\uff0c\u65b0\u7684\u5ba2\u6236\u82e5\u5728\u53c3\u52a0\u6b64\u6d3b\u52d5\u7684\u5206\u884c\u958b\u7acb\u6d88\u8cbb\u8005\u652f\u7968\u5e33\u6236\uff0c\u53ef\u5f97\u5230\u7cbe\u7f8e\u624b\u7e6a\u516c\u7f8a\u5132\u9322\u7b52\u3002\u201d \u65b0\u805e\u767c\u4f48\u6703\u5728\u821e\u7345\u7684\u947c\u9f13\u8072\u4e2d\u5713\u6eff\u843d\u5e55\u3002\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\/2015\/02\/h.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/02\/h.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/02\/h.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":290636,"url":"https:\/\/newsforchinese.com\/v3\/2026\/02\/14\/%e5%b7%a5%e8%96%aa%e6%97%8fdc%e5%84%b2%e8%93%84%e4%b8%ad%e4%bd%8d%e6%95%b8%e5%83%85955%e5%85%83\/","url_meta":{"origin":53252,"position":1},"title":"\u5de5\u85aa\u65cfDC\u5132\u84c4\u4e2d\u4f4d\u6578\u50c5955\u5143","author":"Yingying","date":"February 14, 2026","format":false,"excerpt":"\u4e00\u9805\u65b0\u7814\u7a76\u767c\u73fe\uff0c\u7f8e\u570b\u5de5\u85aa\u65cf\u901a\u904e401\uff08k\uff09\u5e33\u6236\u7b49\u56fa\u5b9a\u7e73\u6b3e\u8a08\u756b\u70ba\u9000\u4f11\u5132\u84c4\u7684\u4e2d\u4f4d\u6578\u50c5\u70ba955\u5143\uff0c\u5176\u4e2d\u591a\u6578\u4eba\u7684\u5132\u84c4\u9060\u4f4e\u65bc\u4ed6\u5011\u5e74\u9f61\u6bb5\u7684\u5efa\u8b70\u9000\u4f11\u5132\u84c4\u76ee\u6a19\u3002 \u6839\u64daNational Institute on Retirement Security\uff08NIRS\uff09\u7684\u7814\u7a76\uff0c\u622a\u81f32023\u5e74\uff0c\u572821\u81f364\u6b72\u6240\u6709\u5de5\u85aa\u65cf\u4e2d\uff0c\u5305\u62ec\u6c92\u6709\u70ba\u9000\u4f11\u5132\u84c4\u7684\u4eba\uff0c\u56fa\u5b9a\u7e73\u6b3e\u8a08\u756b\u5132\u84c4\u4e2d\u4f4d\u6578\u50c5\u70ba955\u5143\u3002 \u76f8\u6bd4\u4e4b\u4e0b\uff0c\u5728\u64c1\u6709\u6b63\u9000\u4f11\u8a08\u756b\u8ca1\u5bcc\uff08\u5728\u56fa\u5b9a\u7e73\u6b3e\uff08DC\uff09\u8a08\u756b\u4e2d\u81f3\u5c11\u5b58\u4e861\u5143\uff09\u7684\u4eba\u4e2d\uff0c\u5132\u84c4\u4e2d\u4f4d\u6578\u9ad8\u5f88\u591a\uff0c\u70ba4\u842c\u5143\u3002 \u8a72\u5831\u544a\u767c\u73fe\uff0c21\u81f364\u6b72\u5de5\u85aa\u65cf\uff08\u5305\u62ec\u6c92\u6709\u5132\u84c4\u7684\u4eba\uff09DC\u8a08\u756b\u5e73\u5747\u5e33\u6236\u9918\u984d\u70ba93229\u5143\uff1b\u5728DC\u8a08\u756b\u4e2d\u81f3\u5c11\u5132\u84c41\u5143\u7684\u4eba\u5e73\u5747\u5e33\u6236\u9918\u984d\u70ba179082\u5143\u3002 NIRS\u7814\u7a76\u9084\u5c07\u7f8e\u570b\u4eba\u9000\u4f11\u5132\u84c4\u9918\u984d\u8207Fidelity\u5132\u84c4\u76ee\u6a19\u9032\u884c\u4e86\u6bd4\u8f03\u3002 Fidelity\u6839\u64da\u5e74\u9f61\u548c\u6536\u5165\u6c34\u6e96\u5236\u5b9a\u6307\u5c0e\u65b9\u91dd\u3002\u6839\u64daFidelity\u7684\u5efa\u8b70\uff0c\u7f8e\u570b\u4eba\u7684\u9000\u4f11\u5132\u84c4\u523030\u6b72\u6642\u70ba\u4e00\u5e74\u5e74\u6536\u5165\uff0c\u523040\u6b72\u6642\u70ba\u4e09\u500d\u6536\u5165\uff0c\u523050\u6b72\u6642\u70ba\u516d\u500d\u6536\u5165\uff0c\u523060\u6b72\u6642\u70ba\u516b\u500d\u6536\u5165\uff0c\u523067\u6b72\u6b63\u5e38\u9000\u4f11\u5e74\u9f61\u6642\u70ba\u5341\u500d\u6536\u5165\u3002 NIRS\u767c\u73fe\uff0c\u5728\u7814\u7a76\u4e2d\u5206\u6790\u7684\u6240\u6709\u5e74\u9f61\u3001\u7a2e\u65cf\u3001\u6559\u80b2\u548c\u6027\u5225\u7fa4\u9ad4\u7684\u4e2d\u4f4d\u6578\u53d7\u8a2a\u8005\u4e2d\uff0c\u6c92\u6709\u4eba\u7684\u9000\u4f11\u5132\u84c4\u6216\u6de8\u8cc7\u7522\u9054\u5230\u6216\u8d85\u904e\u57fa\u65bc\u5e74\u9f61\u7684\u5132\u84c4\u76ee\u6a19\u3002 \u5728\u6240\u6709\u53d7\u8a2a\u8005\u4e2d\uff0cDC\u9000\u4f11\u5132\u84c4\u4e2d\u4f4d\u6578\u5360\u5176\u5132\u84c4\u76ee\u6a19\u76844%\u3002\u7576\u4f7f\u7528\u6de8\u503c\u800c\u4e0d\u662fDC\u9000\u4f11\u5132\u84c4\u6642\uff0c\u6240\u6709\u53d7\u8a2a\u8005\u9054\u5230\u5132\u84c4\u76ee\u6a19\u7684\u4e2d\u4f4d\u6578\u767e\u5206\u6bd4\u70ba41%\u3002 \u5728\u64c1\u6709\u6b63DC\u9000\u4f11\u9918\u984d\u7684\u4eba\u4e2d\uff0c\u9054\u5230\u5132\u84c4\u76ee\u6a19\u7684\u6240\u6709\u53d7\u8a2a\u8005\u7684\u4e2d\u4f4d\u767e\u5206\u6bd4\u70ba18%\u3002 DC\u9000\u4f11\u5132\u84c4\u5360\u5132\u84c4\u76ee\u6a19\u7684\u6bd4\u4f8b\u4e2d\u4f4d\u6578\u70ba\u7537\u602719%\uff0c\u5973\u602717%;\u800c\u5728\u7a2e\u65cf\u7fa4\u9ad4\u4e2d\uff0c\u4e9e\u88d4\uff0823%\uff09\u548c\u767d\u4eba\uff0820%\uff09\u5de5\u85aa\u65cf\u9ad8\u65bc\u9ed1\u4eba\u548c\u897f\u73ed\u7259\u88d4\u5de5\u85aa\u65cf\uff08\u540411%\uff09\u3002 DC\u9000\u4f11\u5132\u84c4\u5360\u5132\u84c4\u76ee\u6a19\u7684\u6bd4\u4f8b\u4e2d\u4f4d\u6578\u96a8\u6559\u80b2\u6c34\u6e96\u63d0\u9ad8\uff1a\u9ad8\u4e2d\u6216\u4ee5\u4e0b\u5de5\u85aa\u65cf\u70ba10%\uff0c\u526f\u5b78\u58eb\u5b78\u4f4d\u5de5\u85aa\u65cf\u70ba15%\uff0c\u5b78\u58eb\u5b78\u4f4d\u5de5\u85aa\u65cf\u70ba21%\uff0c\u78a9\u58eb\u3001\u535a\u58eb\u6216\u5c08\u696d\u5b78\u4f4d\u5de5\u85aa\u65cf\u70ba26%\u3002 \u5728\u5404\u500b\u5e74\u9f61\u6bb5\u4e2d\uff0c\u6700\u6210\u529f\u5132\u84c4\u8005\u662f21\u81f334\u6b72\u4e4b\u9593\u6700\u5e74\u8f15\u5de5\u85aa\u65cf\uff0c\u5176\u4e2d21%\u5132\u84c4\u4e86\u76ee\u6a19\u4efd\u984d\uff0c\u5176\u6b21\u662f55\u81f364\u6b72\u4e4b\u9593\u5de5\u85aa\u65cf\u768419%\u3002 NIRS\u8868\u793a\uff1a\u300c\u6b63\u5982\u9810\u671f\u90a3\u6a23\uff0c\u6709\u4e00\u5b9a\u5132\u84c4\u7684\u4eba\u6bd4\u6c92\u6709\u5132\u84c4\u7684\u4eba\u66f4\u63a5\u8fd1\u5132\u84c4\u76ee\u6a19\u3002\u4f46\u5373\u4f7f\u5c0d\u65bc\u6709\u5132\u84c4\u7684\u4eba\uff0c\u5982\u679c\u9810\u671f\u662fDC\u8a08\u756b\u9000\u4f11\u5132\u84c4\u5c07\u69cb\u6210\u9000\u4f11\u6536\u5165\u91cd\u8981\u4f86\u6e90\uff0c\u90a3\u9ebc\u9019\u4e9b\u91d1\u984d\u4e5f\u76f8\u7576\u4f4e\u3002\u300d","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\/2026\/02\/deposit.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/02\/deposit.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/02\/deposit.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":47366,"url":"https:\/\/newsforchinese.com\/v3\/2012\/12\/20\/%e7%be%8e%e7%b1%8d%e8%8f%af%e4%ba%ba%e6%94%bf%e6%b2%bb%e6%98%8e%e6%98%9f%e7%9a%84%e5%b4%9b%e8%b5%b7%e8%88%87%e7%be%8e%e5%9c%8b%e7%9a%84%e6%81%90%e8%8f%af%e5%bf%83%e7%90%86\/","url_meta":{"origin":53252,"position":2},"title":"\u7f8e\u7c4d\u83ef\u4eba\u653f\u6cbb\u660e\u661f\u7684\u5d1b\u8d77\u8207\u7f8e\u570b\u7684\u6050\u83ef\u5fc3\u7406","author":"Raymond","date":"December 20, 2012","format":false,"excerpt":"\u7f8e\u7c4d\u83ef\u4eba\u53c2\u653f\u4eba\u6570\u65e5\u76ca\u589e\u591a\uff0c\u5df2\u7d93\u5f15\u8d77\u4e86\u4e3b\u6d41\u5a92\u9ad4\u7684\u6ce8\u610f\u3002\u4e3b\u6d41\u7db2\u8def\u5a92\u9ad4\u63d0\u51fa\u4e86\u4e00\u9805\u89c0\u5bdf\uff0c\u8868\u793a\u7f8e\u7c4d\u83ef\u4eba\u53c3\u653f\u7387\u7684\u63d0\u9ad8\u78b0\u5de7\u548c\u4e2d\u570b\u5927\u9678\u4ee5\u4e16\u754c\u7b2c\u4e8c\u5927\u5f37\u570b\u59ff\u614b\u65e5\u6f38\u58ef\u5927\u540c\u6642\u3002 \u00a0 \u9019\u5bb6\u7db2\u8def\u5a92\u9ad4\u6ce8\u610f\u5230\u4e16\u754c\u65e5\u5831\u66fe\u4ee5\u6574\u5e45\u7248\u9762\u4ecb\u7d39\u52a0\u5dde\u6bcf\u4f4d\u83ef\u88d4\u5019\u9078\u4eba\u7684\u7c21\u6b77\uff0c\u7121\u8ad6\u4ed6\u5011\u53c3\u9078\u7684\u662f\u5730\u65b9\u6027\u6216\u5168\u570b\u6027\u7684\u516c\u8077\u3002\u8a72\u5a92\u9ad4\u4e26\u6307\u51fa\uff0c\u90a3\u4e9b\u7c21\u6b77\u4ecb\u7d39\u7684\u5019\u9078\u4eba\u5305\u62ec\u52dd\u9078\u9023\u4efb\u7684\u5dde\u773e\u8b70\u54e1\u65b9\u6587\u5fe0\u548c\u8056\u4ed6\u514b\u62c9\u62c9\u7e23\u6559\u80b2\u59d4\u54e1\u99ac\u6167\u5a1f\uff0c\u4e5f\u5305\u62ec\u843d\u9078\u5dde\u773e\u8b70\u54e1\u7684\u674e\u6d32\u66c9\u548c\u738b\u73cd\u59ae\u3002 \u00a0 \u8a72\u5a92\u9ad4\u9032\u4e00\u6b65\u5206\u6790\uff0c\u5728\u4e9e\u88d4\u4eba\u53e3\u5360\u767e\u5206\u4e4b\u4e09\u5341\u516d\u7684\u820a\u91d1\u5c71\uff0c\u81ea\u5f9e\u9078\u51fa\u4e00\u4f4d\u83ef\u88d4\u5e02\u9577\uff0c\u5df2\u6709\u5341\u540d\u83ef\u4eba\u7af6\u9078\u5e02\u653f\u5e9c\u5404\u9805\u516c\u8077\u3002 \u00a0 \u5728\u7f8e\u7c4d\u83ef\u88d4\u53c3\u653f\u8d8a\u767c\u8e0a\u8e8d\u4e4b\u6642\uff0c\u83ef\u88d4\u5728\u7f8e\u570b\u653f\u58c7\u4e0a\u80fd\u9054\u5230\u591a\u9ad8\u7684\u5730\u4f4d\u6210\u70ba\u8a71\u984c\u3002\u5728\u67cf\u514b\u840a\u52a0\u5927\u6559\u4e9e\u7f8e\u7814\u7a76\u7684\u4e00\u4f4d\u8463\u6559\u6388\u8868\u793a\uff0c\u6709\u500b\u4e0d\u5229\u7684\u56e0\u7d20\u662f\u4e9e\u88d4\u5728\u7f8e\u570b\u9577\u671f\u4ee5\u4f86\u88ab\u8a8d\u70ba\u4e0d\u662f\u5b8c\u5168\u7684\u7f8e\u570b\u4eba\u3002\u4ed6\u8aaa\uff1a\u201c\u4ed6\u5011\uff08\u7f8e\u7c4d\u4e9e\u88d4\u653f\u6cbb\u4eba\u7269\uff09\u7684\u5fe0\u8aa0\u5728\u722c\u5f97\u8d8a\u9ad8\u6642\u8d8a\u4e00\u5b9a\u6703\u53d7\u5230\u8cea\u7591\u8207\u6311\u6230\u3002\u201d \u00a0 \u8463\u6559\u6388\u8209\u67cf\u514b\u840a\u52a0\u5927\u524d\u6821\u9577\u7530\u9577\u9716\u70ba\u4f8b\uff1a\u7530\u6821\u9577\u5dee\u9ede\u6210\u70ba\u80fd\u6e90\u90e8\u9577\uff0c\u537b\u56e0\u7f8e\u570b\u5728\u4e8c\u5341\u4e16\u7d00\u5f8c\u671f\u552f\u6050\u4e2d\u570b\u5927\u9678\u8d85\u8d8a\u7f8e\u570b\u7684\u5fc3\u7406\u4e0b\uff0c\u6c92\u6709\u7576\u6210\u3002\u9019\u53ef\u4ee5\u5728FBI\u6700\u8fd1\u653e\u51fa\u7684\u4e00\u4efd\u5831\u544a\u4e2d\u627e\u5230\u4f50\u8b49\u3002 \u00a0 \u96d6\u7136\u5f8c\u4f86\u6b50\u5df4\u99ac\u7e3d\u7d71\u4efb\u547d\u4e86\u6731\u68e3\u6587\u70ba\u80fd\u6e90\u90e8\u9577\uff0c\u4f46\u5728\u6709\u4e86\u7b2c\u4e00\u4f4d\u83ef\u4eba\u80fd\u6e90\u90e8\u9577\u7684\u4e8c\u5341\u4e00\u4e16\u7d00\u521d\uff0c\u7f8e\u570b\u6050\u83ef\u5fc3\u7406\u65e5\u8da8\u56b4\u91cd\u3002\u5728\u6700\u8fd1\u7684\u7e3d\u7d71\u5927\u9078\u671f\u9593\uff0c\u5171\u548c\u9ee8\u5019\u9078\u4eba\u62c9\u5bc6\u5c31\u4ee5\u62a8\u64ca\u4e2d\u570b\u5927\u9678\u70ba\u4e00\u9805\u8a34\u6c42\u3002\u4ed6\u8aaa\uff1a\u201c\u6211\u7576\u4e0a\u7e3d\u7d71\u7b2c\u4e00\u5929\uff0c\u5c31\u6703\u7d66\u4e2d\u570b\u5927\u9678\u8cbc\u4e0a\u6697\u4e2d\u64cd\u7e31\u5e63\u503c\u7684\u6a19\u7c64\u3002\u201d \u5118\u7ba1\u4ed6\u843d\u9078\uff0c\u7576\u9078\u9023\u4efb\u7684\u6b50\u5df4\u99ac\u4e5f\u8aaa\u904e\u4e2d\u570b\u5927\u9678\u6709\u4eba\u4ee5\u4e0d\u6b63\u7576\u7684\u624b\u6bb5\u6436\u8d70\u7f8e\u570b\u7684\u5de5\u4f5c\u6a5f\u6703\u3002 \u00a0 \u7f8e\u570b\u5728\u653f\u6cbb\u4e0a\u5c0d\u4e2d\u570b\u5927\u9678\u7684\u62a8\u64ca\u6703\u5c0d\u7f8e\u7c4d\u83ef\u4eba\u53c3\u653f\u6a5f\u6703\u6709\u8ca0\u9762\u5f71\u97ff\uff0d\uff0d\uff0d\u5728\u9019\u4e00\u9ede\u4e0a\uff0c\u767e\u4eba\u6703\u7684\u9867\u5c4f\u5c71\u5148\u751f\u548c\u8463\u6559\u6388\u770b\u6cd5\u4e00\u81f4\u3002\u9867\u5148\u751f\u8aaa\uff1a\u201c\u9019\u554f\u984c\u5728\u52a0\u5dde\u4e5f\u8a31\u4e0d\u90a3\u9ebc\u56b4\u91cd\uff0c\u56e0\u70ba\u83ef\u4eba\u793e\u5340\u5df2\u5728\u6b64\u751f\u6839\uff0c\u9078\u6c11\u4e5f\u548c\u4e2d\u570b\u8f03\u6709\u63a5\u89f8\u3002\u5728\u7d10\u7d04\u5927\u6982\u4e5f\u6c92\u554f\u984c\uff0c\u7d10\u7d04\u624d\u9078\u51fa\u7b2c\u4e00\u4f4d\u4e9e\u88d4\u570b\u6703\u8b70\u54e1\u5b5f\u662d\u6587\u3002\u4f46\u662f\u5728\u5357\u65b9\uff0c\u5728\u4e2d\u897f\u90e8\uff0c\u5982\u679c\uff08\u975e\u83ef\u88d4\u7684\uff09\u5c0d\u624b\u6253\u51fa\u4e2d\u570b\u724c\uff0c\u90a3\u53ef\u80fd\u6709\u6548\u3002\u201c \u00a0 \u9867\u5148\u751f\u4e26\u8868\u793a\uff0c\u9019\u6b21\u9078\u8209\u4e2d\u5c0d\u4e2d\u570b\u5927\u9678\u8868\u9054\u6068\u610f\u7684\u5019\u9078\u4eba\u66f4\u591a\u65bc\u4ee5\u5f80\uff0c\u4e0d\u904e\uff0c\u9078\u8209\u7d50\u679c\u986f\u793a\uff0c\u5c11\u6578\u65cf\u88d4\u9078\u6c11\u5f71\u97ff\u529b\u589e\u52a0\uff0c\u83ef\u4eba\u7576\u9078\u4eba\u6578\u4e5f\u589e\u591a\u3002\u56e0\u6b64\uff0c\u4ed6\u8cea\u7591\u201d\u4e2d\u570b\u724c\u201c\u7684\u9577\u671f\u6548\u61c9\u3002 \u00a0 \u4ed6\u8aaa\uff1a\u201d\u6211\u5011\u6b63\u8d70\u5411\u591a\u5143\u5316\u7684\u793e\u6703\u3002\u653b\u64ca\u4e2d\u570b\uff0c\u653b\u64ca\u67d0\u500b\u7a2e\u65cf\uff0c\u6700\u5f8c\u90fd\u4e0d\u6703\u6709\u597d\u7d50\u679c\u3002 \u00a0 \u7f16\u8b6f\uff1a\u6625\u5a4d","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\/old.newsforchinese.com\/v3\/wp-content\/uploads\/2012\/12\/Ed-Lee-and-David-Chiu.jpg?resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/old.newsforchinese.com\/v3\/wp-content\/uploads\/2012\/12\/Ed-Lee-and-David-Chiu.jpg?resize=350%2C200 1x, https:\/\/i0.wp.com\/old.newsforchinese.com\/v3\/wp-content\/uploads\/2012\/12\/Ed-Lee-and-David-Chiu.jpg?resize=525%2C300 1.5x"},"classes":[]},{"id":172803,"url":"https:\/\/newsforchinese.com\/v3\/2019\/07\/09\/%e6%b0%91%e8%aa%bf%ef%bc%9a%e8%bf%91%e5%9b%9b%e5%88%86%e4%b9%8b%e4%b8%80%e5%be%9e%e6%9c%aa%e6%89%93%e7%ae%97%e9%80%80%e4%bc%91\/","url_meta":{"origin":53252,"position":3},"title":"\u6c11\u8abf\uff1a\u8fd1\u56db\u5206\u4e4b\u4e00\u5f9e\u672a\u6253\u7b97\u9000\u4f11","author":"Yingying","date":"July 9, 2019","format":false,"excerpt":"\u4e00\u9805\u6709\u95dc\u662f\u5426\u4e0d\u518d\u5de5\u4f5c\u7684\u65b0\u6c11\u610f\u8abf\u67e5\u986f\u793a\uff0c\u8fd1\u56db\u5206\u4e4b\u4e00\u7f8e\u570b\u4eba\u8868\u793a\uff0c\u4ed6\u5011\u5f9e\u672a\u6253\u7b97\u9000\u4f11\u3002 \u64daThe Associated Press-NORC Center for Public Affairs Research\u7684\u8abf\u67e5\uff0c23%\u54e1\u5de5\u3001\u5176\u4e2d\u5305\u62ec\u8fd120%50\u6b72\u4ee5\u4e0a\u54e1\u5de5\u4e0d\u5e0c\u671b\u505c\u6b62\u5de5\u4f5c\u3002\u5927\u7d04\u56db\u5206\u4e4b\u4e00\u7f8e\u570b\u4eba\u8868\u793a\uff0c\u4ed6\u5011\u5c07\u572865\u6b72\u751f\u65e5\u4e4b\u5f8c\u7e7c\u7e8c\u5de5\u4f5c\u3002 \u6839\u64da\u653f\u5e9c\u6578\u64da\uff0c65\u6b72\u53ca\u4ee5\u4e0a\u4eba\u7fa4\u4e2d\u7d04\u67091\/5\u57286\u6708\u4efd\u5de5\u4f5c\u6216\u7a4d\u6975\u5c0b\u627e\u5de5\u4f5c\u3002 \u5c0d\u8a31\u591a\u4eba\u4f86\u8aaa\uff0c\u7559\u5728\u52de\u52d5\u529b\u5e02\u5834\u7684\u6c7a\u5b9a\u8aaa\u5230\u5e95\u662f\u56e0\u70ba\u9322\uff0c\u4ed6\u5011\u6c92\u6709\u8db3\u5920\u7684\u9322\u9000\u4f11\u3002 \u300c\u6211\u5011\u5728\u8cc7\u6599\u4e2d\u770b\u5230\u7684\u5e73\u5747\u9000\u4f11\u5e74\u9f61\u4e0a\u5347\u4e86\u4e00\u9ede\uff0c\u4f46\u6c92\u6709\u4e0a\u5347\u592a\u591a\uff0c\u300dBoston College\u9000\u4f11\u7814\u7a76\u4e2d\u5fc3\u5132\u84c4\u7814\u7a76\u526f\u4e3b\u4efbAnqi Chen\u8aaa\uff0c\u300c\u56e0\u6b64\uff0c\u4eba\u5011\u4e0d\u5f97\u4e0d\u9000\u4f11\u751f\u6d3b\u4e00\u500b\u8f03\u9577\u7684\u6642\u9593\uff0c\u4ed6\u5011\u53ef\u80fd\u6c92\u6709\u8db3\u5920\u8cc7\u7522\u4f86\u7dad\u6301\u81ea\u5df1\u7684\u9000\u4f11\u751f\u6d3b\u3002\u300d \u7576\u88ab\u554f\u5230\u5c0d\u9000\u4f11\u8ca1\u52d9\u81ea\u5982\u5ea6\u611f\u89ba\u5982\u4f55\u6642\uff0c14%\u768450\u6b72\u4ee5\u4e0b\u7f8e\u570b\u4eba\u548c29%\u768450\u6b72\u4ee5\u4e0a\u7f8e\u570b\u4eba\u8aaa\u4ed6\u5011\u611f\u5230\u7279\u5225\u6216\u975e\u5e38\u6709\u6e96\u5099\u3002\u53e6\u591640%\u5e74\u9f61\u66f4\u5927\u7684\u7f8e\u570b\u4eba\u8aaa\u4ed6\u5011\u611f\u5230\u6709\u6240\u6e96\u5099\uff0c\u4e09\u5206\u4e4b\u4e00\u89ba\u5f97\u6c92\u6709\u6e96\u5099\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0c56%\u5e74\u8f15\u4e00\u9ede\u7684\u6210\u5e74\u4eba\u8a8d\u70ba\u4ed6\u5011\u6c92\u6709\u70ba\u9000\u4f11\u505a\u597d\u6e96\u5099\u3002 \u7136\u800c\uff0c\u5982\u679c\u4f60\u78ba\u5be6\u8a08\u756b\u9000\u4f11\uff0c\u5c08\u5bb6\u5efa\u8b70\u63d0\u524d\u5132\u84c4\u4e26\u4e14\u7d93\u5e38\u5411401K\u6216\u5132\u84c4\u5e33\u6236\u4f9b\u6b3e\u3002 \u4ed6\u5011\u8aaa\uff0c\u5e73\u5747\u4f86\u8aaa\uff0c\u4eba\u5011\u61c9\u8a72\u70ba\u9000\u4f11\u5132\u84c4170\u842c\u5143\u3002","rel":"","context":"In &quot;\u7f8e\u570b\u65b0\u805e&quot;","block_context":{"text":"\u7f8e\u570b\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2019\/07\/US-workers.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2019\/07\/US-workers.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2019\/07\/US-workers.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":277022,"url":"https:\/\/newsforchinese.com\/v3\/2025\/05\/17\/%e5%84%b2%e8%93%84%e7%9a%84%e6%8a%80%e5%b7%a7%ef%bc%9a%e5%bb%ba%e7%ab%8b%e7%b7%8a%e6%80%a5%e5%9f%ba%e9%87%91%e8%88%87%e9%95%b7%e6%9c%9f%e5%84%b2%e8%93%84%e7%ad%96%e7%95%a5\/","url_meta":{"origin":53252,"position":4},"title":"\u5132\u84c4\u7684\u6280\u5de7\uff1a\u5efa\u7acb\u7dca\u6025\u57fa\u91d1\u8207\u9577\u671f\u5132\u84c4","author":"Raymond","date":"May 17, 2025","format":false,"excerpt":"\u5728\u7576\u4eca\u8b8a\u5e7b\u83ab\u6e2c\u7684\u7d93\u6fdf\u74b0\u5883\u4e2d\uff0c\u64c1\u6709\u826f\u597d\u7684\u5132\u84c4\u7fd2\u6163\u4e0d\u50c5\u80fd\u5e36\u4f86\u8ca1\u52d9\u5b89\u5168\uff0c\u66f4\u662f\u5be6\u73fe\u4eba\u751f\u76ee\u6a19\u7684\u57fa\u77f3\u3002 \u7121\u8ad6\u662f\u61c9\u5c0d\u7a81\u767c\u958b\u652f\u3001\u898f\u5283\u9000\u4f11\u751f\u6d3b\uff0c\u6216\u662f\u5be6\u73fe\u8cfc\u5c4b\u5922\u60f3\uff0c\u90fd\u96e2\u4e0d\u958b\u7a69\u5065\u7684\u5132\u84c4\u7b56\u7565\u3002\u672c\u6587\u5c07\u5206\u4eab\u5be6\u7528\u7684\u5132\u84c4\u6280\u5de7\uff0c\u4e26\u8aaa\u660e\u5982\u4f55\u5efa\u7acb\u7dca\u6025\u57fa\u91d1\u8207\u5236\u5b9a\u9577\u671f\u5132\u84c4\u8a08\u5283\u3002 \u4e00\u3001\u5f9e\u7dca\u6025\u57fa\u91d1\u958b\u59cb\uff1a\u6253\u597d\u8ca1\u52d9\u57fa\u790e \u6240\u8b02\u7dca\u6025\u57fa\u91d1\uff08Emergency Fund\uff09\uff0c\u662f\u70ba\u4e86\u61c9\u5c0d\u7a81\u767c\u4e8b\u4ef6\u5982\u5931\u696d\u3001\u91ab\u7642\u958b\u652f\u3001\u8eca\u8f1b\u6545\u969c\u7b49\u800c\u8a2d\u7acb\u7684\u5132\u84c4\u3002\u9019\u7b46\u9322\u7684\u76ee\u7684\u4e0d\u662f\u7528\u4f86\u6d88\u8cbb\uff0c\u800c\u662f\u4f5c\u70ba\u8ca1\u52d9\u7684\u300c\u5b89\u5168\u7db2\u300d\u3002 1. \u5efa\u8b70\u91d1\u984d\u4e00\u822c\u5efa\u8b70\u7dca\u6025\u57fa\u91d1\u61c9\u6db5\u84cb 3 \u81f3 6 \u500b\u6708\u7684\u751f\u6d3b\u958b\u652f\u3002\u4f8b\u5982\uff0c\u5982\u679c\u4f60\u6bcf\u6708\u751f\u6d3b\u6210\u672c\u70ba $3,000\uff0c\u90a3\u9ebc\u76ee\u6a19\u61c9\u70ba $9,000 \u81f3 $18,000\u3002 2. \u5132\u84c4\u65b9\u6cd5 \u8a2d\u5b9a\u6bcf\u6708\u81ea\u52d5\u8f49\u5e33\uff1a\u6bcf\u6708\u85aa\u6c34\u5165\u5e33\u5f8c\uff0c\u7acb\u5373\u5c07\u56fa\u5b9a\u91d1\u984d\u81ea\u52d5\u8f49\u5165\u5132\u84c4\u5e33\u6236\u3002\u9019\u6a23\u53ef\u907f\u514d\u300c\u5148\u82b1\u5f8c\u5b58\u300d\u7684\u58de\u7fd2\u6163\u3002 \u4f7f\u7528\u9ad8\u5229\u7387\u5132\u84c4\u5e33\u6236\uff1a\u9078\u64c7\u5229\u7387\u8f03\u9ad8\u7684\u7dda\u4e0a\u9280\u884c\u5e33\u6236\uff0c\u65e2\u5b89\u5168\u53c8\u80fd\u8b93\u8cc7\u91d1\u6709\u5fae\u5e45\u589e\u503c\u3002 \u9010\u6b65\u7d2f\u7a4d\uff0c\u4e0d\u5fc5\u4e00\u6b65\u5230\u4f4d\uff1a\u82e5\u7121\u6cd5\u4e00\u6b21\u5132\u6eff\uff0c\u4e5f\u6c92\u95dc\u4fc2\u3002\u8a2d\u5b9a\u6bcf\u6708\u76ee\u6a19\uff0c\u4f8b\u5982\u6bcf\u6708\u5b58 $500\uff0c\u4e00\u5e74\u5167\u4e5f\u80fd\u6709 $6,000 \u7684\u7dca\u6025\u5099\u7528\u91d1\u3002 3. \u4e0d\u53ef\u52d5\u7528\u539f\u5247\u9664\u975e\u9047\u5230\u771f\u6b63\u7684\u7dca\u6025\u60c5\u6cc1\uff0c\u61c9\u5805\u6301\u4e0d\u52d5\u7528\u9019\u7b46\u8cc7\u91d1\u3002\u53ef\u4ee5\u5c07\u7dca\u6025\u57fa\u91d1\u8207\u65e5\u5e38\u5e33\u6236\u5206\u958b\u7ba1\u7406\uff0c\u4ee5\u6e1b\u5c11\u52d5\u7528\u8a98\u60d1\u3002 \u4e8c\u3001\u9577\u671f\u5132\u84c4\u7b56\u7565\uff1a\u898f\u5283\u672a\u4f86\u8ca1\u52d9\u85cd\u5716 \u5728\u7dca\u6025\u57fa\u91d1\u5efa\u7acb\u4e4b\u5f8c\uff0c\u5c31\u53ef\u4ee5\u5c07\u76ee\u6a19\u8f49\u5411\u66f4\u9577\u9060\u7684\u8ca1\u52d9\u898f\u5283\uff0c\u4f8b\u5982\u8cfc\u5c4b\u3001\u5b50\u5973\u6559\u80b2\u3001\u9000\u4f11\u7b49\u3002 1. \u8a02\u7acb\u8ca1\u52d9\u76ee\u6a19\u660e\u78ba\u7684\u76ee\u6a19\u80fd\u63d0\u5347\u5132\u84c4\u52d5\u529b\uff0c\u4f8b\u5982\uff1a 3 \u5e74\u5167\u8cfc\u8eca\uff1a\u9700\u8981 $20,000 5 \u5e74\u5167\u982d\u671f\u6b3e\uff1a\u9700\u8981 $60,000 \u9000\u4f11\u751f\u6d3b\u6e96\u5099\uff1a\u6bcf\u6708\u9000\u4f11\u91d1\u9700\u6c42 $4,000\uff0c\u9700\u5132\u5099\u81f3\u5c11 $800,000 \u6839\u64da\u9019\u4e9b\u76ee\u6a19\uff0c\u53cd\u63a8\u51fa\u6bcf\u6708\u9700\u5132\u84c4\u7684\u91d1\u984d\uff0c\u4e26\u7d0d\u5165\u9810\u7b97\u3002 2. \u63a1\u7528\u300c50\/30\/20\u300d\u7406\u8ca1\u6cd5\u5247 50% \u7528\u65bc\u751f\u6d3b\u5fc5\u9700\uff08\u623f\u79df\u3001\u98df\u7269\u3001\u4ea4\u901a\uff09 30% \u7528\u65bc\u500b\u4eba\u4eab\u53d7\uff08\u5a1b\u6a02\u3001\u65c5\u904a\uff09 20% \u7528\u65bc\u5132\u84c4\u8207\u9084\u50b5\uff08\u5305\u62ec\u7dca\u6025\u57fa\u91d1\u8207\u9577\u671f\u5132\u84c4\uff09 \u9019\u500b\u6bd4\u4f8b\u53ef\u4f9d\u500b\u4eba\u72c0\u6cc1\u5fae\u8abf\uff0c\u4f46\u4f5c\u70ba\u521d\u5b78\u8005\u975e\u5e38\u5be6\u7528\u3002 3. \u5229\u7528\u6295\u8cc7\u63d0\u5347\u5132\u84c4\u6548\u7387\u9577\u671f\u5132\u84c4\u4e0d\u53ea\u662f\u55ae\u7d14\u5b58\u9322\uff0c\u4e5f\u61c9\u7d50\u5408\u7a69\u5065\u6295\u8cc7\u4ee5\u5c0d\u6297\u901a\u81a8\u3002\u4f8b\u5982\uff1a\u2026","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\/2021\/10\/%E7%81%A3%E5%8D%80%E5%8D%80%E5%9F%9F%E8%83%BD%E6%BA%90%E7%B6%B2%E7%B5%A1%E6%A9%9F%E6%A7%8B%E8%88%89%E8%BE%A6%E7%B6%B2%E4%B8%8A%E7%AF%80%E8%83%BD%E8%A8%88%E7%95%AB%E5%85%8D%E8%B2%BB%E8%AC%9B%E5%BA%A7-1.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":232444,"url":"https:\/\/newsforchinese.com\/v3\/2022\/12\/24\/%e5%9c%8b%e7%a8%85%e5%b1%80%e7%b1%b2%e4%b8%ad%e4%bd%8e%e6%94%b6%e5%85%a5%e8%80%85%ef%bc%8c%e7%8f%be%e5%8f%af%e7%82%ba%e9%80%80%e4%bc%91%e5%84%b2%e8%93%84%e6%ba%96%e5%82%99\/","url_meta":{"origin":53252,"position":5},"title":"\u570b\u7a05\u5c40\u7c72\u4e2d\u4f4e\u6536\u5165\u8005\uff0c\u73fe\u53ef\u70ba\u9000\u4f11\u5132\u84c4\u6e96\u5099","author":"Raymond","date":"December 24, 2022","format":false,"excerpt":"\u73fe\u5728\u70ba\u9000\u4f11\u5132\u84c4\uff0c\u4ee5\u5f8c\u7372\u5f97\u7a05\u6536\u62b5\u514d\uff1a\u63d0\u9ad8\u7684\u5132\u6236\u62b5\u514d\u984d\u5ea6\u53ef\u4ee5\u5e6b\u52a9\u4e2d\u4f4e\u6536\u5165\u52d9\u5de5\u8005\u5728 2023 \u5e74\u5132\u84c4\u66f4\u591a\u3002 \u570b\u7a05\u5c40\u63d0\u9192\u4e2d\u4f4e\u6536\u5165\u52d9\u5de5\u8005\uff0c\u4ed6\u5011\u73fe\u5728\u53ef\u4ee5\u70ba\u9000\u4f11\u5132\u84c4\uff0c\u4e26\u53ef\u5728 2022 \u5e74\u53ca\u672a\u4f86\u5e7e\u5e74\u7372\u5f97\u7279\u5225\u7a05\u6536\u62b5\u514d\u3002 \u9000\u4f11\u91d1\u5132\u84c4\u4f9b\u6b3e\u62b5\u514d\uff0c\u4e5f\u7a31\u70ba\u5132\u6236\u62b5\u514d\uff0c\u53ef\u7528\u65bc\u62b5\u6d88\u52d9\u5de5\u8005\u81ea\u9858\u70ba\u500b\u4eba\u9000\u4f11\u5b89\u6392\u3001401(k) \u8a08\u5283\u548c\u985e\u4f3c\u7684\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u5283\u4f9b\u6b3e\u7684\u524d 2,000 \u7f8e\u5143\u4e2d\u7684\u4e00\u90e8\u5206\u3002\u8a72\u62b5\u514d\u984d\u9084\u5e6b\u52a9\u6709\u8cc7\u683c\u7684\u6b98\u969c\u4eba\u58eb\uff0c\u5982\u679c\u4ed6\u5011\u662f\u201c\u5be6\u73fe\u66f4\u7f8e\u597d\u751f\u6d3b\u9ad4\u9a57\u201d(ABLE) \u8cec\u6236\u6307\u5b9a\u53d7\u76ca\u4eba\uff0c\u8a72\u62b5\u514d\u5e6b\u52a9\u4ed6\u5011\u5411\u8a72\u8cec\u6236\u4f9b\u6b3e\u3002\u6709\u95dc ABLE \u8cec\u6236\u7684\u66f4\u591a\u4fe1\u606f\uff0c\u8acb\u53c3\u95b1 IRS.gov \u4e0a\u7684\u51fa\u7248\u7269 907\u3002 \u7d0d\u7a05\u4eba\u9664\u4e86\u4efb\u4f55\u5176\u5b83\u9069\u7528\u7684\u7a05\u6536\u512a\u60e0\u5916\uff0c\u9084\u53ef\u4ee5\u4eab\u53d7\u5132\u6236\u62b5\u514d\u3002 \u9084\u6709\u6642\u9593\u63a1\u53d6\u884c\u52d5 \u7b26\u5408\u689d\u4ef6\u7684\u4eba\u4ecd\u6709\u6642\u9593\u9032\u884c\u5408\u683c\u7684\u9000\u4f11\u4f9b\u6b3e\uff0c\u4e26\u5728 2022 \u5e74\u7684\u7a05\u8868\u4e2d\u7372\u5f97\u5132\u6236\u62b5\u514d\u3002\u4eba\u5011\u5fc5\u9808\u5728 2023 \u5e74 4 \u6708 18 \u65e5\uff08\u63d0\u4ea4 2022 \u5e74\u7533\u5831\u8868\u7684\u622a\u6b62\u65e5\u671f\uff09\u4e4b\u524d\u5efa\u7acb\u4e00\u500b\u65b0\u7684 IRA \u6216\u70ba\u73fe\u6709\u7684 IRA \u589e\u52a0 2022 \u5e74\u7684\u8cc7\u91d1\u3002 Roth \u548c\u50b3\u7d71 IRA \u90fd\u7b26\u5408\u689d\u4ef6\u3002 \u53e6\u4e00\u65b9\u9762\uff0c\u500b\u4eba\u5982\u679c\u53c3\u8207\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u5283\uff0c\u5247\u5fc5\u9808\u5728 2022 \u5e74\u5e95\u4e4b\u524d\u63a1\u53d6\u884c\u52d5\uff0c\u4ee5\u4fbf\u8a08\u5165\u4eca\u5e74\u7684\u4f9b\u6b3e\u3002\u9019\u610f\u5473\u8457\u5fc5\u9808\u5728 12 \u6708 31 \u65e5\u4e4b\u524d\u5c07\u9078\u64c7\u6027\u5ef6\u671f\uff08\u4f9b\u6b3e\uff09\u63d0\u4ea4\u7d66\uff1a \u2022\u00a0\u00a0\u00a0 401(k) \u8a08\u5283\u3002 \u2022\u00a0\u00a0\u00a0\u2026","rel":"","context":"In &quot;Business&quot;","block_context":{"text":"Business","link":"https:\/\/newsforchinese.com\/v3\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/10\/Retirement.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/10\/Retirement.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/10\/Retirement.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/53252","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=53252"}],"version-history":[{"count":0,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/53252\/revisions"}],"wp:attachment":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media?parent=53252"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/categories?post=53252"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/tags?post=53252"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/series?post=53252"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}