{"id":5379,"date":"2024-10-19T22:20:37","date_gmt":"2024-10-19T14:20:37","guid":{"rendered":"http:\/\/lammllees.shop\/%e8%bb%8a%e8%b2%b8%e6%ac%be80%e8%90%ac%e4%b8%80%e5%80%8b%e6%9c%88%e8%a6%81%e7%b9%b3%e5%a4%9a%e5%b0%91%ef%bc%9f\/"},"modified":"2024-10-19T22:20:37","modified_gmt":"2024-10-19T14:20:37","slug":"%e8%bb%8a%e8%b2%b8%e6%ac%be80%e8%90%ac%e4%b8%80%e5%80%8b%e6%9c%88%e8%a6%81%e7%b9%b3%e5%a4%9a%e5%b0%91%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/lammllees.shop\/%e8%bb%8a%e8%b2%b8%e6%ac%be80%e8%90%ac%e4%b8%80%e5%80%8b%e6%9c%88%e8%a6%81%e7%b9%b3%e5%a4%9a%e5%b0%91%ef%bc%9f\/","title":{"rendered":"\u8eca\u8cb8\u6b3e80\u842c\u4e00\u500b\u6708\u8981\u7e73\u591a\u5c11\uff1f"},"content":{"rendered":"<p>\u5728\u73fe\u4ee3\u90fd\u5e02\u751f\u6d3b\u4e2d\uff0c\u64c1\u6709\u4e00\u8f1b\u6c7d\u8eca\u4e0d\u50c5\u8c61\u5fb5\u8457\u81ea\u7531\u8207\u4fbf\u5229\uff0c\u4ea6\u53ef\u80fd\u662f\u4e00\u9805\u5fc5\u8981\u7684\u4ea4\u901a\u5de5\u5177\u3002\u7136\u800c\uff0c\u96a8\u8457\u6c7d\u8eca\u50f9\u683c\u7684\u6500\u5347\uff0c\u8a31\u591a\u4eba\u9078\u64c7\u900f\u904e<a href=\"http:\/\/lammllees.shop\/\u6c7d\u8eca\u8cb8\u6b3e\/\" target=\"_blank\">\u8eca\u8cb8<\/a>\u4f86\u5be6\u73fe\u64c1\u6709\u611b\u8eca\u7684\u5922\u60f3\u3002\u7576\u60a8\u8a08\u5283\u7533\u8acb80\u842c\u65b0\u53f0\u5e63\u7684\u8eca\u8cb8\u6642\uff0c\u5982\u4f55\u8a55\u4f30\u6bcf\u6708\u7684\u9084\u6b3e\u91d1\u984d\u6210\u70ba\u4e86\u81f3\u95dc\u91cd\u8981\u7684\u8003\u91cf\u56e0\u7d20\u3002\u5728\u9019\u7bc7\u6587\u7ae0\u4e2d\uff0c\u6211\u5011\u5c07\u63a2\u7d22\u5f71\u97ff\u8eca\u8cb8\u6bcf\u6708\u9084\u6b3e\u984d\u7684\u591a\u7a2e\u56e0\u7d20\uff0c\u5f9e\u5229\u7387\u5230\u9084\u6b3e\u671f\u9650\uff0c\u5e6b\u52a9\u60a8\u5728\u8cfc\u8eca\u4e4b\u8def\u4e0a\u505a\u51fa\u660e\u667a\u7684\u8ca1\u52d9\u6c7a\u7b56\u3002\u7121\u8ad6\u60a8\u662f\u9996\u6b21\u8cfc\u8eca\u7684\u99d5\u99db\u8005\uff0c\u9084\u662f\u8003\u616e\u66ff\u63db\u820a\u8eca\u7684\u65b0\u8cb7\u5bb6\uff0c\u9019\u4e9b\u8cc7\u8a0a\u5c07\u70ba\u60a8\u63d0\u4f9b\u5bf6\u8cb4\u7684\u53c3\u8003\u3002\u8b93\u6211\u5011\u4e00\u8d77\u63ed\u958b\u8eca\u8cb8\u8a08\u7b97\u7684\u9762\u7d17\uff0c\u4e86\u89e380\u842c<a href=\"http:\/\/lammllees.shop\/\u300c\u8cb8\u6b3e\u653b\u7565\uff1a\u5982\u4f55\u6709\u6548\u7ba1\u7406\u8ca1\u52d9\u8207\u5be6\u73fe\u5922\u60f3\u300d\/\" target=\"_blank\">\u8cb8\u6b3e<\/a>\u6bcf\u6708\u61c9\u7e73\u7684\u91d1\u984d\u5927\u6982\u662f\u591a\u5c11\u3002<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u5167\u5bb9\u5927\u7db2 :<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" 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href=\"https:\/\/lammllees.shop\/%e8%bb%8a%e8%b2%b8%e6%ac%be80%e8%90%ac%e4%b8%80%e5%80%8b%e6%9c%88%e8%a6%81%e7%b9%b3%e5%a4%9a%e5%b0%91%ef%bc%9f\/#%E8%BB%8A%E8%B2%B8%E6%AC%BE80%E8%90%AC%E9%82%84%E6%AC%BE%E8%A8%88%E5%8A%83%E5%85%A8%E6%8F%AD%E7%A7%98\" title=\"\u8eca\u8cb8\u6b3e80\u842c\u9084\u6b3e\u8a08\u5283\u5168\u63ed\u79d8\">\u8eca\u8cb8\u6b3e80\u842c\u9084\u6b3e\u8a08\u5283\u5168\u63ed\u79d8<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lammllees.shop\/%e8%bb%8a%e8%b2%b8%e6%ac%be80%e8%90%ac%e4%b8%80%e5%80%8b%e6%9c%88%e8%a6%81%e7%b9%b3%e5%a4%9a%e5%b0%91%ef%bc%9f\/#%E6%9C%88%E4%BE%9B%E9%87%91%E9%A1%8D%E5%A6%82%E4%BD%95%E8%A8%88%E7%AE%97%E8%88%87%E8%AA%BF%E6%95%B4\" title=\"\u6708\u4f9b\u91d1\u984d\u5982\u4f55\u8a08\u7b97\u8207\u8abf\u6574\">\u6708\u4f9b\u91d1\u984d\u5982\u4f55\u8a08\u7b97\u8207\u8abf\u6574<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lammllees.shop\/%e8%bb%8a%e8%b2%b8%e6%ac%be80%e8%90%ac%e4%b8%80%e5%80%8b%e6%9c%88%e8%a6%81%e7%b9%b3%e5%a4%9a%e5%b0%91%ef%bc%9f\/#%E5%BD%B1%E9%9F%BF%E8%B2%B8%E6%AC%BE%E5%88%A9%E7%8E%87%E7%9A%84%E9%97%9C%E9%8D%B5%E5%9B%A0%E7%B4%A0\" title=\"\u5f71\u97ff\u8cb8\u6b3e\u5229\u7387\u7684\u95dc\u9375\u56e0\u7d20\">\u5f71\u97ff\u8cb8\u6b3e\u5229\u7387\u7684\u95dc\u9375\u56e0\u7d20<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lammllees.shop\/%e8%bb%8a%e8%b2%b8%e6%ac%be80%e8%90%ac%e4%b8%80%e5%80%8b%e6%9c%88%e8%a6%81%e7%b9%b3%e5%a4%9a%e5%b0%91%ef%bc%9f\/#%E5%90%88%E7%90%86%E8%A6%8F%E5%8A%83%E8%B2%A1%E5%8B%99%E9%81%BF%E5%85%8D%E9%82%84%E6%AC%BE%E5%A3%93%E5%8A%9B\" title=\"\u5408\u7406\u898f\u5283\u8ca1\u52d9\u907f\u514d\u9084\u6b3e\u58d3\u529b\">\u5408\u7406\u898f\u5283\u8ca1\u52d9\u907f\u514d\u9084\u6b3e\u58d3\u529b<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lammllees.shop\/%e8%bb%8a%e8%b2%b8%e6%ac%be80%e8%90%ac%e4%b8%80%e5%80%8b%e6%9c%88%e8%a6%81%e7%b9%b3%e5%a4%9a%e5%b0%91%ef%bc%9f\/#%E5%B8%B8%E8%A6%8B%E5%95%8F%E7%AD%94\" title=\"\u5e38\u898b\u554f\u7b54\">\u5e38\u898b\u554f\u7b54<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lammllees.shop\/%e8%bb%8a%e8%b2%b8%e6%ac%be80%e8%90%ac%e4%b8%80%e5%80%8b%e6%9c%88%e8%a6%81%e7%b9%b3%e5%a4%9a%e5%b0%91%ef%bc%9f\/#%E7%B8%BD%E7%B5%90\" title=\"\u7e3d\u7d50\">\u7e3d\u7d50<\/a><\/li><\/ul><\/nav><\/div>\n<h2 id=\"%e8%bb%8a%e8%b2%b8%e6%ac%be80%e8%90%ac%e9%82%84%e6%ac%be%e8%a8%88%e5%8a%83%e5%85%a8%e6%8f%ad%e7%a7%98\"><span class=\"ez-toc-section\" id=\"%E8%BB%8A%E8%B2%B8%E6%AC%BE80%E8%90%AC%E9%82%84%E6%AC%BE%E8%A8%88%E5%8A%83%E5%85%A8%E6%8F%AD%E7%A7%98\"><\/span>\u8eca\u8cb8\u6b3e80\u842c\u9084\u6b3e\u8a08\u5283\u5168\u63ed\u79d8<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"post-content\">\n<p>\u8cb8\u6b3e80\u842c\u7684\u8eca\u8f1b\u56de\u5831\u5c07\u4f9d\u8cf4\u65bc\u591a\u500b\u56e0\u7d20\uff0c\u5305\u62ec\u8cb8\u6b3e\u671f\u9650\u3001\u5229\u7387\u548c\u6bcf\u6708\u9084\u6b3e\u6b21\u6578\u3002\u7136\u800c\uff0c<strong>\u4e86\u89e3\u4f60\u7684\u9084\u6b3e\u9078\u64c7\u548c\u5229\u7387\u8b8a\u5316<\/strong>\u53ef\u4ee5\u5e6b\u52a9\u4f60\u5236\u5b9a\u4e00\u500b\u9069\u5408\u7684\u9084\u6b3e\u8a08\u5283\u3002\u8b93\u6211\u5011\u63a2\u7d22\u4e00\u4e9b\u5e38\u898b\u7684\u9084\u6b3e\u60c5\u6cc1\uff1a<\/p>\n<ul>\n<li><strong>\u5229\u7387\u8b8a\u52d5\uff1a<\/strong> \u82e5\u91c7\u7528\u6d6e\u52d5\u5229\u7387\uff0c\u53ef\u80fd\u4eab\u53d7\u5230\u5e02\u5834\u964d\u606f\u7684\u597d\u8655\uff0c\u4f46\u9700\u9810\u5099\u4e0a\u5347\u7684\u53ef\u80fd\u6027\u3002<\/li>\n<li><strong>\u9084\u6b3e\u671f\u9577\u77ed\uff1a<\/strong> \u2064 \u77ed\u671f\u9084\u6b3e\u901a\u5e38\u6708\u4f9b\u8f03\u9ad8\uff0c\u4f46\u7e3d\u9ad4\u5229\u606f\u652f\u51fa\u8f03\u5c11\uff1b\u76f8\u6bd4\u4e4b\u4e0b\u9577\u671f\u9084\u6b3e\u5247\u6bcf\u6708\u58d3\u529b\u5c0f\uff0c\u4f46\u5229\u606f\u652f\u51fa\u8f03\u591a\u3002<\/li>\n<li><strong>\u63d0\u524d\u9084\u6b3e\uff1a<\/strong> \u82e5\u8cc7\u91d1\u5141\u8a31\uff0c\u63d0\u524d\u9084\u6b3e\u80fd\u6709\u6548\u7bc0\u7701\u5229\u606f\u3002<\/li>\n<\/ul>\n<p>\u4ee5\u4e0b\u662f\u5e7e\u7a2e\u4e0d\u540c\u9084\u6b3e\u8a08\u5283\u7684\u6bd4\u8f03\uff0c\u5e6b\u60a8\u66f4\u6e05\u6670\u5730\u7406\u89e3\u6bcf\u6708\u7684\u8ca1\u52d9\u652f\u51fa\uff1a<\/p>\n<table class=\"wp-block-table is-style-stripes\">\n<thead>\n<tr>\n<th>\u9084\u6b3e\u671f\u9593<\/th>\n<th><a href=\"https:\/\/lammllees.shop\/%e6%8f%ad%e5%af%86%e5%88%a9%e7%8e%87%e7%ae%97%e6%b3%95%ef%bc%9a%e9%87%91%e8%9e%8d%e4%b8%96%e7%95%8c%e4%b8%ad%e7%9a%84%e8%a8%88%e7%ae%97%e8%a6%8f%e5%89%87%e8%88%87%e9%82%8f%e8%bc%af\/\">\u5229\u7387<\/a><\/th>\n<th>\u6708\u4f9b<\/th>\n<th>\u7e3d\u5229\u606f<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>3\u5e74<\/td>\n<td>2.5%<\/td>\n<td>$28,861<\/td>\n<td>$35,000<\/td>\n<\/tr>\n<tr>\n<td>5\u5e74<\/td>\n<td>3.0%<\/td>\n<td>$14,378<\/td>\n<td>$62,680<\/td>\n<\/tr>\n<tr>\n<td>7\u5e74<\/td>\n<td>3.5%<\/td>\n<td>$9,964<\/td>\n<td>$94,048<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u9078\u64c7\u5408\u9069\u7684\u9084\u6b3e\u8a08\u5283\u4e0d\u50c5\u80fd\u6e1b\u5c11\u4f60\u7684\u8ca1\u52d9\u58d3\u529b\uff0c\u66f4\u80fd\u8b93\u4f60\u671d\u5411\u7121\u50b5\u4e00\u8eab\u8f15\u7684\u76ee\u6a19\u9081\u5411\u4e00\u5927\u6b65\u3002\u5728\u505a\u51fa\u6c7a\u5b9a\u4e4b\u524d\uff0c\u5efa\u8b70\u8207\u91d1\u878d\u9867\u554f\u6216\u8005\u5c08\u696d\u4eba\u58eb\u5546\u8a0e\uff0c\u78ba\u4fdd\u4f60\u7684\u9078\u64c7\u8207\u8ca1\u52d9\u72c0\u6cc1\u4e00\u81f4\u3002<\/p>\n<\/div>\n<h2 id=\"%e6%9c%88%e4%be%9b%e9%87%91%e9%a1%8d%e5%a6%82%e4%bd%95%e8%a8%88%e7%ae%97%e8%88%87%e8%aa%bf%e6%95%b4\"><span class=\"ez-toc-section\" id=\"%E6%9C%88%E4%BE%9B%E9%87%91%E9%A1%8D%E5%A6%82%E4%BD%95%E8%A8%88%E7%AE%97%E8%88%87%E8%AA%BF%E6%95%B4\"><\/span>\u6708\u4f9b\u91d1\u984d\u5982\u4f55\u8a08\u7b97\u8207\u8abf\u6574<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u6bcf\u6708\u6240\u9700\u652f\u4ed8\u7684\u8cb8\u6b3e\u91d1\u984d\u53d6\u6c7a\u65bc\u591a\u9805\u56e0\u7d20\uff0c\u5176\u4e2d\u5305\u62ec\u8cb8\u6b3e\u672c\u91d1\u3001\u5e74\u5229\u7387\u53ca\u9084\u6b3e\u5e74\u9650\u3002\u5728\u8a08\u7b97\u6708\u4f9b\u6642\uff0c\u53ef\u4ee5\u4f7f\u7528\u4ee5\u4e0b\u516c\u5f0f\uff1a<strong>\u6bcf\u6708\u9084\u6b3e\u984d \u200b=\uff08\u8cb8\u6b3e\u672c\u91d1\u200c \u00d7\u2064 \u6708\u5229\u7387\uff09\u00d7\uff081 + \u6708\u5229\u7387\uff09^\u9084\u6b3e\u671f\u6578 \/ \uff08\uff081 \u200b+ \u6708\u5229\u7387\uff09^\u9084\u6b3e\u671f\u6578\u200d &#8211; 1\uff09<\/strong>\u3002\u70ba\u4e86\u8b93\u5927\u5bb6\u4e86\u89e3\uff0c\u5927\u81f4\u7684\u8a08\u7b97\u6b65\u9a5f\u53ef\u4ee5\u7c21\u55ae\u5316\u70ba\u4ee5\u4e0b\u5e7e\u500b\u6b65\u9a5f\uff1a<\/p>\n<ul>\n<li>\u78ba\u8a8d\u8cb8\u6b3e\u91d1\u984d\uff1a\u672c\u4f8b\u70ba<strong>80\u842c<\/strong>\u5143\u3002<\/li>\n<li>\u9078\u64c7\u5408\u7406\u7684\u8cb8\u6b3e\u5e74\u9650\uff1a\u5e38\u898b\u9078\u64c7\u70ba5\u81f37\u5e74\u3002<\/li>\n<li>\u8abf\u67e5\u5e02\u5834\u5e74\u5229\u7387\uff0c\u8f49\u63db\u70ba\u6708\u5229\u7387\u3002<\/li>\n<li>\u4f7f\u7528\u8cb8\u6b3e\u8a08\u7b97\u5668\u4ee5\u66f4\u7cbe\u78ba\u5730\u4f30\u7b97\u6708\u4f9b\u91d1\u984d\u3002<\/li>\n<\/ul>\n<p>\u5982\u9700\u8abf\u6574\u6708\u4f9b\u91d1\u984d\uff0c\u8cb8\u6b3e\u8005\u53ef\u4ee5\u8003\u616e\u4e0b\u9762\u7684\u65b9\u6cd5\uff0c\u4ee5\u66f4\u9748\u6d3b\u7684\u65b9\u5f0f\u9032\u884c\u8ca1\u52d9\u898f\u5283\uff1a<\/p>\n<ul>\n<li>\u91cd\u65b0\u5354\u5546<strong>\u5ef6\u9577<\/strong>\u9084\u6b3e\u671f\u9650\uff0c\u4ee5\u6e1b\u8f15\u6bcf\u6708\u7684\u4ed8\u6b3e\u58d3\u529b\u3002<\/li>\n<li>\u9032\u884c<strong>\u63d0\u524d\u9084\u6b3e<\/strong>\u4ee5\u6e1b\u5c11\u6574\u9ad4\u5229\u606f\u652f\u51fa\u3002<\/li>\n<li>\u8a2d\u5b9a<strong>\u4e0d\u540c\u7684\u511f\u9084\u983b\u7387<\/strong>\uff08\u5982\u6bcf\u9031\u6216\u6bcf\u5169\u9031\uff09\uff0c\u4ee5\u65b9\u4fbf\u8cc7\u91d1\u6d41\u52d5\u3002<\/li>\n<\/ul>\n<table class=\"wp-block-table\">\n<thead>\n<tr>\n<th>\u5e74\u9650<\/th>\n<th>\u5e74\u5229\u7387<\/th>\n<th>\u9810\u4f30\u6708\u4f9b\u91d1\u984d\u2064 (\u5143)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>5\u5e74<\/td>\n<td>3%<\/td>\n<td>14,367<\/td>\n<\/tr>\n<tr>\n<td>6\u5e74<\/td>\n<td>3.5%<\/td>\n<td>12,468<\/td>\n<\/tr>\n<tr>\n<td>7\u5e74<\/td>\n<td>4%<\/td>\n<td>11,358<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"%e5%bd%b1%e9%9f%bf%e8%b2%b8%e6%ac%be%e5%88%a9%e7%8e%87%e7%9a%84%e9%97%9c%e9%8d%b5%e5%9b%a0%e7%b4%a0\"><span class=\"ez-toc-section\" id=\"%E5%BD%B1%E9%9F%BF%E8%B2%B8%E6%AC%BE%E5%88%A9%E7%8E%87%E7%9A%84%E9%97%9C%E9%8D%B5%E5%9B%A0%E7%B4%A0\"><\/span>\u5f71\u97ff\u8cb8\u6b3e\u5229\u7387\u7684\u95dc\u9375\u56e0\u7d20<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"post-content\">\n<p>\u5728\u7533\u8acb\u8eca\u8cb8\u6642\uff0c\u6709\u6578\u500b\u95dc\u9375\u56e0\u7d20\u6703\u5f71\u97ff\u5230\u6700\u7d42\u7684\u8cb8\u6b3e\u5229\u7387\u3002\u4e86\u89e3\u9019\u4e9b\u56e0\u7d20\u80fd\u5e6b\u52a9\u60a8\u5728\u6c7a\u5b9a\u662f\u5426\u7533\u8acb\u67d0\u4e00\u7b46\u8cb8\u6b3e\u4e4b\u524d\uff0c\u505a\u51fa\u66f4\u597d\u7684\u5224\u65b7\u3002\u9996\u5148\uff0c<strong><a href=\"https:\/\/lammllees.shop\/%e4%bf%a1%e8%b2%b8%e5%bd%b1%e9%9f%bf%e4%bf%a1%e7%94%a8%e5%8d%a1%e7%94%b3%e8%ab%8b%e5%97%8e%ef%bc%9f%e4%bd%a0%e9%9c%80%e8%a6%81%e7%9f%a5%e9%81%93%e7%9a%84%e9%97%9c%e9%8d%b5\/\">\u4fe1\u7528\u8a55\u5206<\/a><\/strong>\u662f\u6700\u76f4\u63a5\u5f71\u97ff\u5229\u7387\u7684\u56e0\u7d20\u4e4b\u4e00\uff0c\u8f03\u9ad8\u7684\u4fe1\u7528\u8a55\u5206\u901a\u5e38\u6703\u8b93\u4f60\u66f4\u5bb9\u6613\u7372\u5f97\u8f03\u4f4e\u7684\u5229\u7387\u3002\u5176\u6b21\uff0c<strong>\u8cb8\u6b3e\u91d1\u984d\u548c\u671f\u9650<\/strong>\u4e5f\u6703\u7522\u751f\u5f71\u97ff\uff0c\u901a\u5e38\uff0c\u8cb8\u6b3e\u91d1\u984d\u8f03\u5c0f\u6216\u671f\u9650\u8f03\u77ed\u53ef\u80fd\u6703\u4eab\u6709\u66f4\u512a\u60e0\u7684\u5229\u7387\u3002\u6b64\u5916\uff0c<strong>\u6295\u4fdd\u7d9c\u5408\u4fdd\u96aa<\/strong>\u548c<strong>\u8cfc\u8eca\u54c1\u724c\u53ca\u578b\u865f<\/strong>\u90fd\u6709\u53ef\u80fd\u6539\u8b8a\u8cb8\u65b9\u5c0d\u98a8\u96aa\u7684\u8a55\u50f9\uff0c\u9032\u800c\u5f71\u97ff\u5229\u7387\u7684\u9ad8\u4f4e\u3002<\/p>\n<ul>\n<li><strong>\u4fe1\u7528\u8a55\u5206\u597d\u58de<\/strong> \u200b &#8211; \u2063\u5f71\u97ff\u5229\u7387\u6c34\u5e73<\/li>\n<li><strong>\u8cb8\u6b3e\u91d1\u984d<\/strong> &#8211; \u8cb8\u6b3e\u8d8a\u5927\uff0c\u53ef\u80fd\u5229\u7387\u8abf\u9ad8<\/li>\n<li><strong>\u9084\u6b3e\u671f\u9650<\/strong> &#8211; \u200d\u8f83\u9577\u671f\u9650\uff0c\u53ef\u80fd\u5229\u7387\u8f03\u9ad8<\/li>\n<li><strong>\u6c7d\u8eca\u54c1\u724c\u578b\u865f<\/strong> &#8211; \u9ad8\u50f9\u503c\u54c1\u724c\u53ef\u80fd\u5229\u7387\u8f03\u512a<\/li>\n<\/ul>\n<p>\u9664\u4e86\u500b\u4eba\u4fe1\u7528\u72c0\u6cc1\u548c\u8cb8\u6b3e\u689d\u4ef6\u5916\uff0c<strong>\u5e02\u5834\u72c0\u6cc1<\/strong>\u548c<strong>\u5229\u7387\u653f\u7b56<\/strong>\u4e5f\u626e\u6f14\u8457\u81f3\u95dc\u91cd\u8981\u7684\u89d2\u8272\u3002\u4f8b\u5982\uff0c\u4e2d\u592e\u9280\u884c\u7684\u57fa\u6e96\u5229\u7387\u8abf\u6574\u76f4\u63a5\u5f71\u97ff\u5230\u5e02\u5834\u4e0a\u7684\u8cb8\u6b3e\u5229\u7387\u3002\u5982\u679c\u57fa\u6e96\u5229\u7387\u4e0a\u8abf\uff0c\u9280\u884c\u901a\u5e38\u6703\u8ddf\u96a8\u8abf\u6574\u4ed6\u5011\u7684\u8cb8\u6b3e\u5229\u7387\u3002\u6b64\u5916\uff0c\u7576\u5730\u5e02\u5834\u7684<strong>\u7af6\u722d\u60c5\u6cc1<\/strong>\u4e5f\u6703\u9020\u6210\u5229\u7387\u7684\u5dee\u7570\u3002\u5728\u7af6\u722d\u6fc0\u70c8\u7684\u5730\u5340\uff0c\u60a8\u53ef\u80fd\u6703\u767c\u73fe\u6709\u8a31\u591a\u9280\u884c\u63d0\u4f9b\u8f03\u4f4e\u7684\u8eca\u8cb8\u5229\u7387\u3002\u9019\u5c31\u662f\u70ba\u4ec0\u9ebc\u5c0b\u627e\u8f03\u512a\u8cea\u6a5f\u69cb\u548c\u597d\u6642\u6a5f\u540c\u7b49\u91cd\u8981\uff0c\u56e0\u70ba\u9019\u4e9b\u984d\u5916\u7684\u7814\u7a76\u5de5\u4f5c\u53ef\u4ee5\u5e6b\u52a9\u4f60\u7372\u5f97\u6700\u4f73\u7684\u8cb8\u6b3e\u689d\u4ef6\u3002<\/p>\n<table class=\"wp-block-table\">\n<thead>\n<tr>\n<th>\u5f71\u97ff\u56e0\u7d20<\/th>\n<th>\u53ef\u80fd\u5f71\u97ff\u5229\u7387<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u4fe1\u7528\u8a55\u5206<\/td>\n<td>\u76f4\u63a5\u5f71\u97ff<\/td>\n<\/tr>\n<tr>\n<td>\u5e02\u5834\u5229\u7387<\/td>\n<td>\u76f4\u63a5\u5f71\u97ff<\/td>\n<\/tr>\n<tr>\n<td>\u7af6\u722d\u60c5\u6cc1<\/td>\n<td>\u9593\u63a5\u5f71\u97ff<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 id=\"%e5%90%88%e7%90%86%e8%a6%8f%e5%8a%83%e8%b2%a1%e5%8b%99%e9%81%bf%e5%85%8d%e9%82%84%e6%ac%be%e5%a3%93%e5%8a%9b\"><span class=\"ez-toc-section\" id=\"%E5%90%88%E7%90%86%E8%A6%8F%E5%8A%83%E8%B2%A1%E5%8B%99%E9%81%BF%E5%85%8D%E9%82%84%E6%AC%BE%E5%A3%93%E5%8A%9B\"><\/span>\u5408\u7406\u898f\u5283\u8ca1\u52d9\u907f\u514d\u9084\u6b3e\u58d3\u529b<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u7533\u8acb\u8eca\u8cb8\u6b3e\uff0c\u5c24\u5176\u662f\u50cf80\u842c\u9019\u6a23\u7684\u5927\u984d\u8cb8\u6b3e\uff0c\u5c0d\u4f60\u7684\u8ca1\u52d9\u8a08\u5283\u81f3\u95dc\u91cd\u8981\u3002\u9069\u7576\u5730\u5206\u914d\u6bcf\u6708\u652f\u51fa\u4ee5\u53ca\u5145\u5206\u8003\u616e\u5176\u4ed6\u958b\u652f\uff0c\u80fd\u6709\u6548\u6e1b\u8f15\u9084\u6b3e\u5e36\u4f86\u7684\u58d3\u529b\u3002\u5728\u8a02\u5b9a\u6708\u5ea6\u9084\u6b3e\u7b56\u7565\u524d\uff0c\u5fc5\u9808\u5148\u638c\u63e1\u4e00\u4e9b\u57fa\u672c\u539f\u5247\u3002\u9996\u5148\uff0c\u5408\u7406\u898f\u5283\u4f60\u7684\u9810\u7b97\uff0c\u78ba\u4fdd\u6bcf\u6708\u9084\u6b3e\u91d1\u984d\u4e0d\u8d85\u904e\u5bb6\u5ead\u6536\u5165\u7684<strong>30%\u81f340%<\/strong>\u3002\u5176\u6b21\uff0c\u990a\u6210\u826f\u597d\u7684\u5132\u84c4\u7fd2\u6163\uff0c\u70ba\u7dca\u6025\u60c5\u6cc1\u9810\u7559\u7de9\u885d\u8cc7\u91d1\u3002\u6b64\u5916\uff0c\u63a1\u53d6\u4ee5\u4e0b\u65b9\u6cd5\u53ef\u4ee5\u66f4\u597d\u5730\u7ba1\u7406\u8cb8\u6b3e\uff1a<\/p>\n<ul>\n<li>\u9078\u64c7\u8f03\u9577\u7684\u9084\u6b3e\u671f\u9650\u4ee5\u964d\u4f4e\u6708\u4f9b\u3002<\/li>\n<li>\u8003\u616e\u66f4\u4f4e\u7684\u5ba3\u7a31\u5229\u7387\u3002<\/li>\n<li>\u7814\u7a76\u9069\u7528\u65bc\u63d0\u524d\u9084\u6b3e\u6216\u5ef6\u9072\u4ed8\u6b3e\u7684\u689d\u6b3e\u3002<\/li>\n<\/ul>\n<p>\u70ba\u4e86\u66f4\u76f4\u89c0\u5730\u4e86\u89e3\u6bcf\u6708\u53ef\u80fd\u7684\u9084\u6b3e\u91d1\u984d\u4ee5\u53ca\u5176\u76f8\u61c9\u7684\u5229\u7387\u60c5\u6cc1\uff0c\u4e0b\u8868\u5217\u51fa\u4e86\u4e0d\u540c\u60c5\u6cc1\u4e0b\u7684\u6bcf\u6708\u9084\u6b3e\u91d1\u984d\u9810\u4f30\uff1a<\/p>\n<table class=\"wp-block-table\">\n<thead>\n<tr>\n<th>\u8cb8\u6b3e\u671f\u9650<\/th>\n<th>\u5229\u7387<\/th>\n<th><a href=\"https:\/\/lammllees.shop\/%e6%9c%ac%e9%87%91%e6%94%a4%e9%82%84%e8%a9%a6%e7%ae%97%ef%bc%9a%e8%bc%95%e9%ac%86%e9%a0%90%e6%b8%ac%e6%af%8f%e6%9c%88%e9%82%84%e6%ac%be%e9%87%91%e9%a1%8d%e7%9a%84%e5%b7%a5%e5%85%b7-%e5%a6%82\/\">\u6bcf\u6708\u9084\u6b3e\u91d1\u984d<\/a><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>36\u500b\u6708<\/td>\n<td>3.5%<\/td>\n<td>$23,446<\/td>\n<\/tr>\n<tr>\n<td>48\u500b\u6708<\/td>\n<td>4.0%<\/td>\n<td>$18,151<\/td>\n<\/tr>\n<tr>\n<td>60\u500b\u6708<\/td>\n<td>4.5%<\/td>\n<td>$14,912<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u900f\u904e\u9019\u4e9b\u6578\u64da\uff0c\u60a8\u53ef\u4ee5\u6839\u64da\u81ea\u5df1\u7684\u9700\u6c42\u9078\u64c7\u6700\u9069\u5408\u7684\u9084\u6b3e\u65b9\u5f0f\uff0c\u8b93\u7406\u8ca1\u8a08\u5283\u66f4\u5177\u5f48\u6027\u3002\u4e0d\u50c5\u5982\u6b64\uff0c\u65e9\u671f\u505a\u597d\u8cb8\u6b3e\u8a08\u5283\uff0c\u4e5f\u80fd\u907f\u514d\u672a\u4f86\u4e0d\u5fc5\u8981\u7684\u8ca1\u52d9\u56f0\u60d1\u3002<\/p>\n<h2 id=\"qa\"><span class=\"ez-toc-section\" id=\"%E5%B8%B8%E8%A6%8B%E5%95%8F%E7%AD%94\"><\/span>\u5e38\u898b\u554f\u7b54<span 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M = frac{P times r times (1+r)^n}{(1+r)^n-1} 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