{"id":366,"date":"2025-06-02T08:58:05","date_gmt":"2025-06-02T08:58:05","guid":{"rendered":"https:\/\/wealthlife.hk\/?p=366"},"modified":"2025-06-02T08:58:08","modified_gmt":"2025-06-02T08:58:08","slug":"%e8%aa%8d%e8%ad%98%e5%b9%b4%e9%87%91%e4%bf%9d%e9%9a%aa","status":"publish","type":"post","link":"https:\/\/wealthlife.hk\/zh_hk\/%e8%aa%8d%e8%ad%98%e5%b9%b4%e9%87%91%e4%bf%9d%e9%9a%aa\/","title":{"rendered":"\u8a8d\u8b58\u5e74\u91d1\u4fdd\u96aa"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/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\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/wealthlife.hk\/zh_hk\/%e8%aa%8d%e8%ad%98%e5%b9%b4%e9%87%91%e4%bf%9d%e9%9a%aa\/#%E9%97%9C%E6%96%BC%E5%B9%B4%E9%87%91%E4%BF%9D%E9%9A%AA\" >\u95dc\u65bc\u5e74\u91d1\u4fdd\u96aa<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/wealthlife.hk\/zh_hk\/%e8%aa%8d%e8%ad%98%e5%b9%b4%e9%87%91%e4%bf%9d%e9%9a%aa\/#%E8%83%8C%E6%99%AF\" >\u80cc\u666f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/wealthlife.hk\/zh_hk\/%e8%aa%8d%e8%ad%98%e5%b9%b4%e9%87%91%e4%bf%9d%e9%9a%aa\/#%E5%88%A9%E7%94%A8%E3%80%8C%E5%BB%B6%E6%9C%9F%E5%B9%B4%E9%87%91%E3%80%8D%E8%A6%8F%E5%8A%83%E9%80%80%E4%BC%91\" >\u5229\u7528\u300c\u5ef6\u671f\u5e74\u91d1\u300d\u898f\u5283\u9000\u4f11<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/wealthlife.hk\/zh_hk\/%e8%aa%8d%e8%ad%98%e5%b9%b4%e9%87%91%e4%bf%9d%e9%9a%aa\/#%E8%B3%BC%E8%B2%B7QDAP%E5%8F%AF%E4%BA%AB%E7%A8%85%E5%8B%99%E6%89%A3%E9%99%A4%E5%84%AA%E6%83%A0\" >\u8cfc\u8cb7QDAP\u53ef\u4eab\u7a05\u52d9\u6263\u9664\u512a\u60e0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/wealthlife.hk\/zh_hk\/%e8%aa%8d%e8%ad%98%e5%b9%b4%e9%87%91%e4%bf%9d%e9%9a%aa\/#%E3%80%8C%E5%B9%B4%E9%87%91%E8%87%B3%E8%AD%98%E6%8F%80%E3%80%8D\" >\u300c\u5e74\u91d1\u81f3\u8b58\u63c0\u300d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/wealthlife.hk\/zh_hk\/%e8%aa%8d%e8%ad%98%e5%b9%b4%e9%87%91%e4%bf%9d%e9%9a%aa\/#%E5%A6%82%E4%BD%95%E9%81%B8%E6%93%87%E5%90%88%E8%B3%87%E6%A0%BC%E5%BB%B6%E6%9C%9F%E5%B9%B4%E9%87%91%E4%BF%9D%E5%96%AE\" >\u5982\u4f55\u9078\u64c7\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/wealthlife.hk\/zh_hk\/%e8%aa%8d%e8%ad%98%e5%b9%b4%e9%87%91%e4%bf%9d%e9%9a%aa\/#1_%E4%BA%86%E8%A7%A3%E4%BF%9D%E5%96%AE%E7%B5%90%E6%A7%8B\" >1. \u4e86\u89e3\u4fdd\u55ae\u7d50\u69cb<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/wealthlife.hk\/zh_hk\/%e8%aa%8d%e8%ad%98%e5%b9%b4%e9%87%91%e4%bf%9d%e9%9a%aa\/#2_%E8%A9%95%E4%BC%B0%E8%87%AA%E5%B7%B1%E9%9C%80%E8%A6%81\" >2. \u8a55\u4f30\u81ea\u5df1\u9700\u8981<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/wealthlife.hk\/zh_hk\/%e8%aa%8d%e8%ad%98%e5%b9%b4%e9%87%91%e4%bf%9d%e9%9a%aa\/#3_%E6%AF%94%E8%BC%83%E5%85%A7%E9%83%A8%E5%9B%9E%E5%A0%B1%E7%8E%87%EF%BC%88IRR%EF%BC%89\" >3. \u6bd4\u8f03\u5167\u90e8\u56de\u5831\u7387\uff08IRR\uff09<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/wealthlife.hk\/zh_hk\/%e8%aa%8d%e8%ad%98%e5%b9%b4%e9%87%91%e4%bf%9d%e9%9a%aa\/#4_%E5%8F%83%E8%80%83%E5%88%86%E7%B4%85%E5%AF%A6%E7%8F%BE%E7%8E%87%EF%BC%88Fulfillment_Ratio%EF%BC%89\" >4. \u53c3\u8003\u5206\u7d05\u5be6\u73fe\u7387\uff08Fulfillment Ratio\uff09<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/wealthlife.hk\/zh_hk\/%e8%aa%8d%e8%ad%98%e5%b9%b4%e9%87%91%e4%bf%9d%e9%9a%aa\/#5_%E7%95%99%E6%84%8F%E9%80%80%E4%BF%9D%E5%83%B9%E5%80%BC%EF%BC%88Surrender_Value%EF%BC%89\" >5. \u7559\u610f\u9000\u4fdd\u50f9\u503c\uff08Surrender Value\uff09<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/wealthlife.hk\/zh_hk\/%e8%aa%8d%e8%ad%98%e5%b9%b4%e9%87%91%e4%bf%9d%e9%9a%aa\/#6_%E5%96%84%E7%94%A8%E3%80%8C%E5%B9%B4%E9%87%91%E8%87%B3%E8%AD%98%E6%8F%80%E3%80%8D%E6%90%9C%E5%B0%8B%E5%B7%A5%E5%85%B7\" >6. \u5584\u7528\u300c\u5e74\u91d1\u81f3\u8b58\u63c0\u300d\u641c\u5c0b\u5de5\u5177<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/wealthlife.hk\/zh_hk\/%e8%aa%8d%e8%ad%98%e5%b9%b4%e9%87%91%e4%bf%9d%e9%9a%aa\/#%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C\" >\u5e38\u898b\u554f\u984c<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%97%9C%E6%96%BC%E5%B9%B4%E9%87%91%E4%BF%9D%E9%9A%AA\"><\/span>\u95dc\u65bc\u5e74\u91d1\u4fdd\u96aa<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u9999\u6e2f\u4eba\u53e3\u8001\u5316\uff0c\u9577\u58fd\u7121\u8ad6\u5c0d\u65bc\u500b\u4eba\u8ca1\u653f\u6216\u793e\u6703\u8ca0\u64d4\u800c\u8a00\uff0c\u90fd\u6703\u69cb\u6210\u58d3\u529b\u3002\u5e74\u91d1\u662f\u4e00\u7a2e\u7528\u4f5c\u898f\u5283\u9000\u4f11\u7684\u5de5\u5177\uff0c\u6295\u4fdd\u4eba\u53ef\u4ee5\u900f\u904e\u5b9a\u671f\u4f9b\u6b3e\u6216\u4e00\u7b46\u904e\u7e73\u8cbb\uff0c\u5411\u4fdd\u96aa\u516c\u53f8\u8cfc\u8cb7\u5e74\u91d1\u7522\u54c1\uff0c\u4e26\u7531\u4fdd\u96aa\u516c\u53f8\u6295\u8cc7\u4f86\u6efe\u5b58\u56de\u5831\u3002\u7576\u6295\u4fdd\u4eba\u9054\u5230\u6307\u5b9a\u6b72\u6578\u6216\u5e74\u91d1\u9818\u53d6\u671f\uff0c\u4fdd\u96aa\u516c\u53f8\u4fbf\u6703\u5411\u6295\u4fdd\u4eba\u5b9a\u671f\u767c\u653e\u5e74\u91d1\uff0c\u76f4\u81f3\u6295\u4fdd\u4eba\u96e2\u4e16\u6216\u5e74\u91d1\u9818\u53d6\u671f\u5b8c\u7d50\uff0c\u85c9\u6b64\u61c9\u5c0d\u9577\u58fd\u5e36\u4f86\u7684\u8ca1\u52d9\u98a8\u96aa\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%83%8C%E6%99%AF\"><\/span>\u80cc\u666f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u9762\u5c0d\u4eba\u53e3\u8001\u5316\uff0c\u653f\u5e9c\u5efa\u8b70\u5411\u8cfc\u8cb7\u5ef6\u671f\u5e74\u91d1\u7684\u7d0d\u7a05\u4eba\uff0c\u63d0\u4f9b\u7a05\u52d9\u6263\u9664\u7684\u512a\u60e0\uff0c\u4ee5\u9f13\u52f5\u5e02\u6c11\u70ba\u9000\u4f11\u751f\u6d3b\u4f5c\u81ea\u9858\u6027\u5132\u84c4\u3002\u4fdd\u96aa\u696d\u76e3\u7ba1\u5c40\uff08\u4fdd\u76e3\u5c40\uff09\u53d7\u59d4\u8a17\u767c\u51fa\u6307\u5f15\uff0c\u8a02\u660e\u5217\u70ba\u300c\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\u300d\uff08Qualifying Deferred Annuity Policy\uff0c\u7c21\u7a31\u300cQDAP\u300d\uff09\u7684\u689d\u4ef6\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%88%A9%E7%94%A8%E3%80%8C%E5%BB%B6%E6%9C%9F%E5%B9%B4%E9%87%91%E3%80%8D%E8%A6%8F%E5%8A%83%E9%80%80%E4%BC%91\"><\/span>\u5229\u7528\u300c\u5ef6\u671f\u5e74\u91d1\u300d\u898f\u5283\u9000\u4f11<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5e74\u91d1\u662f\u4e00\u7a2e\u7528\u4f5c\u898f\u5283\u9000\u4f11\u7684\u5de5\u5177\uff0c\u5e6b\u52a9\u6295\u4fdd\u4eba\u628a\u7d2f\u7a4d\u7684\u5132\u84c4\u8f49\u5316\u70ba\u5728\u4e00\u6bb5\u6642\u9593\u5167\u7684\u7a69\u5b9a\u6536\u5165\uff0c\u8b93\u5176\u6709\u7d00\u5f8b\u5730\u4f7f\u7528\u9000\u4f11\u7a4d\u84c4\u4ee5\u61c9\u5c0d\u9577\u58fd\u6240\u5e36\u4f86\u7684\u8ca1\u52d9\u98a8\u96aa\u3002\u5e74\u91d1\u6709\u591a\u7a2e\u985e\u578b\uff0c\u5ef6\u671f\u5e74\u91d1\u5c6c\u5176\u4e2d\u4e00\u7a2e\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ef6\u671f\u5e74\u91d1\u5305\u62ec\u7d2f\u7a4d\u671f\u548c\u5e74\u91d1\u9818\u53d6\u671f\u5169\u500b\u968e\u6bb5\u3002\u5728\u7d2f\u7a4d\u671f\uff0c\u6295\u4fdd\u4eba\u5728\u4e00\u6bb5\u7279\u5b9a\u6642\u9593\u5167\u5b9a\u671f\u652f\u4ed8\u4fdd\u8cbb\uff0c\u8b93\u4fdd\u96aa\u516c\u53f8\u901a\u904e\u6295\u8cc7\u4ee4\u91d1\u984d\u589e\u9577\u3002\u5230\u4e86\u5e74\u91d1\u9818\u53d6\u671f\uff0c\u6295\u4fdd\u4eba\u53ef\u5728\u671f\u5167\u5b9a\u671f\u6536\u53d6\u5e74\u91d1\uff0c\u6709\u90e8\u4efd\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\u5247\u6703\u76f8\u9694\u4e00\u6bb5\u6642\u9593\u65b9\u6703\u9032\u5165\u5e74\u91d1\u9818\u53d6\u671f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u822c\u800c\u8a00\uff0c\u5ef6\u671f\u5e74\u91d1\u8f03\u9069\u5408\u5c1a\u6709\u4e00\u5b9a\u5e74\u671f\u624d\u9000\u4f11\u7684\u5728\u8077\u4eba\u58eb\uff0c\u56e0\u70ba\u4ed6\u5011\u80fd\u5920\u5728\u64c1\u6709\u7a69\u5b9a\u6536\u5165\u6642\uff0c\u4ee5\u5b9a\u671f\u5132\u84c4\u65b9\u5f0f\u7d2f\u7a4d\u8cc7\u91d1\uff0c\u800c\u4e14\u53ef\u4ee5\u6709\u8f03\u9577\u7684\u6642\u9593\u53bb\u7d2f\u7a4d\u8ca1\u5bcc\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%B3%BC%E8%B2%B7QDAP%E5%8F%AF%E4%BA%AB%E7%A8%85%E5%8B%99%E6%89%A3%E9%99%A4%E5%84%AA%E6%83%A0\"><\/span>\u8cfc\u8cb7QDAP\u53ef\u4eab\u7a05\u52d9\u6263\u9664\u512a\u60e0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u7d0d\u7a05\u4eba\u53ef\u5c31\u5176\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u8cbb\u7533\u8acb\u7a05\u52d9\u6263\u9664\uff0c\u6263\u9664\u7e3d\u984d\u4ee5\u6bcf\u8ab2\u7a05\u5e74\u5ea660,000\u6e2f\u5143*\u70ba\u4e0a\u9650\u3002\u6709\u95dcQDAP\u7684\u6263\u7a05\u5b89\u6392\uff0c\u8acb\u700f\u89bd\u300c\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u8cbb\u53ca\u53ef\u6263\u7a05\u5f37\u7a4d\u91d1\u81ea\u9858\u6027\u4f9b\u6b3e\u6263\u7a05\u5b89\u6392\u300d\u5c08\u9801\u53ca\u7a05\u52d9\u5c40\u7db2\u7ad9\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u76e3\u5c40\u6703\u70ba\u7b26\u5408\u689d\u4ef6\u7684\u5ef6\u671f\u5e74\u91d1\u7522\u54c1\uff0c\u8a8d\u8b49\u70baQDAP\u3002\u5982\u6b32\u4e86\u89e3\u6709\u95dc\u689d\u4ef6\u7684\u8a73\u60c5\uff0c\u8acb\u53c3\u8003\u4fdd\u76e3\u5c40\u767c\u51fa\u7684\u6307\u5f15\u3002\u53ea\u6709\u8cfc\u8cb7\u88ab\u8a8d\u8b49\u70baQDAP\u7684\u7522\u54c1\uff0c\u5176\u5df2\u7e73\u4ed8\u7684\u4fdd\u8cbb\u65b9\u5408\u8cc7\u683c\u5728\u85aa\u4ff8\u7a05\u53ca\u500b\u4eba\u5165\u606f\u8ab2\u7a05\u4e0b\u4eab\u6709\u7a05\u52d9\u6263\u9664\u7684\u512a\u60e0\u3002\u5df2\u88ab\u8a8d\u8b49\u7684\u7522\u54c1\u540d\u55ae\u5df2\u4e0a\u8f09\u65bc\u4ee5\u4e0b\u7db2\u9801\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7b26\u5408\u7a05\u52d9\u6263\u6e1b\u8cc7\u683c\u4e4b\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\u540d\u55ae<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">QDAP\u7684\u92b7\u552e\u8aaa\u660e\u66f8\u9808\u6e05\u6670\u6a19\u660e\u8a72\u7522\u54c1\u5df2\u7372\u4fdd\u76e3\u5c40\u8a8d\u8b49\uff0c\u4e26\u5370\u6709\u4ee5\u4e0b\u7684QDAP\u6a19\u8a8c\uff1a<a href=\"https:\/\/www.ia.org.hk\/tc\/qualifying_deferred_annuity_policy\/online_register_of_qdap.html\"><\/a><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/www.ia.org.hk\/tc\/qualifying_deferred_annuity_policy\/images\/IA_QDAP_full_web_20190227.png?w=1200&#038;ssl=1\" alt=\"\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae \" title=\"\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae \"\/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E3%80%8C%E5%B9%B4%E9%87%91%E8%87%B3%E8%AD%98%E6%8F%80%E3%80%8D\"><\/span>\u300c\u5e74\u91d1\u81f3\u8b58\u63c0\u300d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u300c\u5e74\u91d1\u81f3\u8b58\u63c0\u300d\u662f\u4e00\u500b\u7c21\u4fbf\u5feb\u6377\u7684\u5de5\u5177\uff0c\u5354\u52a9\u6709\u610f\u8cfc\u8cb7QDAP\u7684\u5e02\u6c11\u627e\u51fa\u9069\u5408\u81ea\u5df1\u7684\u7522\u54c1\u3002\u5e02\u6c11\u53ea\u9700\u7c21\u55ae\u56de\u7b54\u4e94\u689d\u554f\u984c\uff0c\u8a72\u5de5\u5177\u4fbf\u6703\u7be9\u9078\u51fa\u7b26\u5408\u5176\u504f\u597d\u7684QDAP\uff0c\u4e26\u540c\u6642\u63d0\u4f9b\u91cd\u8981\u7522\u54c1\u8cc7\u6599\u3002\u5e02\u6c11\u4ea6\u53ef\u4ee5\u5728\u6b64\u5de5\u5177\u4e0a\u700f\u89bd\u5e02\u9762\u4e0a\u6240\u6709\u53ef\u4f9b\u8cfc\u8cb7\u7684\u5b8c\u6574QDAP\u540d\u55ae\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u73fe\u6642\u6709\u591a\u7a2eQDAP\u4f9b\u5e02\u6c11\u9078\u64c7\uff0c\u4e0d\u540c\u4fdd\u96aa\u516c\u53f8\u7684QDAP\u7279\u9ede\u5404\u4e0d\u76f8\u540c\uff0c\u5305\u62ec\u6295\u4fdd\u5e74\u9f61\u3001\u4fdd\u55ae\u8ca8\u5e63\u3001\u4fdd\u8cbb\u4f9b\u6b3e\u671f\u3001\u5e74\u91d1\uff08\u6536\u5165\uff09\u9818\u53d6\u671f\u3001\u958b\u59cb\u9818\u53d6\u5e74\u91d1\u5e74\u9f61\u53ca\u5167\u90e8\u56de\u5831\u7387\u7b49\u7b49\u3002\u6b64\u5de5\u5177\u53ef\u5354\u52a9\u6295\u4fdd\u4eba\u9078\u64c7\u7b26\u5408\u500b\u4eba\u9700\u8981\u7684 QDAP\uff0c\u4e26\u7bc0\u7701\u5c0b\u627e\u7522\u54c1\u8cc7\u6599\u4f5c\u53c3\u8003\u7684\u6642\u9593\u3002\u96d6\u7136\u6b64\u5de5\u5177\u63d0\u4f9b\u6240\u6709QDAP \u7684\u5168\u9762\u6982\u8ff0\uff0c\u4f46\u6295\u4fdd\u4eba\u61c9\u9078\u64c7\u9069\u5408\u5176\u500b\u4eba\u9700\u8981\uff08\u9069\u7528\u6027\uff09\u548c\u8ca0\u64d4\u80fd\u529b\u7684\u7522\u54c1\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%A6%82%E4%BD%95%E9%81%B8%E6%93%87%E5%90%88%E8%B3%87%E6%A0%BC%E5%BB%B6%E6%9C%9F%E5%B9%B4%E9%87%91%E4%BF%9D%E5%96%AE\"><\/span>\u5982\u4f55\u9078\u64c7\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_%E4%BA%86%E8%A7%A3%E4%BF%9D%E5%96%AE%E7%B5%90%E6%A7%8B\"><\/span><strong>1. \u4e86\u89e3\u4fdd\u55ae\u7d50\u69cb<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u5ef6\u671f\u5e74\u91d1\u7684\u76ee\u7684\u662f\u5e6b\u52a9\u6295\u4fdd\u4eba\u628a\u7d2f\u7a4d\u7684\u5132\u84c4\u8f49\u5316\u70ba\u5728\u4e00\u6bb5\u6642\u9593\u5167\u7684\u7a69\u5b9a\u6536\u5165\uff0c\u4ee5\u61c9\u4ed8\u9577\u58fd\u5e36\u4f86\u7684\u8ca1\u52d9\u98a8\u96aa\u3002\u5e02\u9762\u4e0a\u7684\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\u773e\u591a\uff0c\u5e02\u6c11\u5728\u9078\u64c7\u9069\u5408\u81ea\u5df1\u7684\u7522\u54c1\u524d\uff0c\u61c9\u5148\u4e86\u89e3\u4fdd\u55ae\u7684\u7d50\u69cb\u5206\u985e\u3002<br><br>\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\u53ef\u6309\u5176\u4f9b\u6b3e\u671f\u3001\u5e74\u91d1\u9818\u53d6\u671f\u4f86\u5283\u5206\u3002\u4e00\u822c\u800c\u8a00\uff0c\u5e74\u91d1\u662f\u5b9a\u984d\u767c\u653e\uff0c\u5047\u8a2d\u4fdd\u984d\u76f8\u540c\uff0c\u5e74\u91d1\u9818\u53d6\u671f\u8d8a\u9577\uff0c\u6bcf\u671f\u53ef\u9818\u53d6\u7684\u91d1\u984d\u4fbf\u8d8a\u5c11\u3002<br><br>\u81f3\u65bc\u4f9b\u6b3e\u671f\u7684\u9577\u77ed\uff0c\u5247\u53ef\u80fd\u5f71\u97ff\u5e74\u91d1\u7684\u6efe\u5b58\u6642\u9593\u3002\u4f8b\u5982\u90e8\u5206\u7522\u54c1\u53ef\u4f9b18\u6b72\u4eba\u58eb\u6295\u4fdd\uff0c\u4f9b\u6b3e\u671f\u70ba5\u5e74\uff0c\u9818\u53d6\u5e74\u91d1\u7684\u5e74\u9f61\u5b9a\u65bc75\u6b72\uff0c\u5e74\u91d1\u9818\u53d6\u671f\u5247\u905410\u5e74\u3002\u63db\u8a00\u4e4b\uff0c\u6574\u500b\u4fdd\u55ae\u5e74\u671f\u53ef\u80fd\u9577\u905460\u591a\u5e74\u3002<br><br>\u622a\u81f32022\u5e7412\u6708\uff0c\u5728\u5df2\u7372\u8a8d\u8b49\u7684\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\uff08QDAP\uff09\u4e2d\uff0c\u6700\u77ed\u4f9b\u6b3e\u671f\u70ba5\u5e74\u3001\u6700\u9577\u70ba10\u5e74\uff1b\u5e74\u91d1\u9818\u53d6\u671f\u6700\u77ed\u70ba10\u5e74\uff0c\u6700\u9577\u5247\u70ba\u7d42\u8eab\u3002\u81f3\u65bc\u6295\u4fdd\u7684\u5e74\u9f61\uff0c\u6700\u5c0f\u70ba18\u6b72\uff0c\u6700\u5927\u70ba80\u6b72\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_%E8%A9%95%E4%BC%B0%E8%87%AA%E5%B7%B1%E9%9C%80%E8%A6%81\"><\/span><strong>2. \u8a55\u4f30\u81ea\u5df1\u9700\u8981<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u4e0d\u540c\u4eba\u7684\u6295\u4fdd\u76ee\u7684\u53ca\u500b\u4eba\u72c0\u6cc1\u90fd\u4e0d\u76e1\u76f8\u540c\uff0c\u5e02\u6c11\u5207\u5fcc\u76f2\u76ee\u8ddf\u96a8\u4ed6\u4eba\u7684\u9078\u64c7\u3002\u6295\u4fdd\u524d\u61c9\u6309\u81ea\u5df1\u7684\u9700\u8981\u614e\u91cd\u8003\u616e\uff0c\u5305\u62ec\u9577\u671f\u4f9b\u6b3e\u80fd\u529b\u3001\u6d41\u52d5\u73fe\u91d1\u9700\u8981\u3001\u4f9b\u6b3e\u671f\uff08\u9000\u4f11\u524d\uff09\u53ca\u5e74\u91d1\u9818\u53d6\u671f\uff08\u9000\u4f11\u5f8c\uff09\u7684\u9577\u77ed\u662f\u5426\u7b26\u5408\u4eba\u751f\u898f\u5283\u7b49\u3002<br><br>\u5e02\u6c11\u9078\u64c7QDAP\u524d\uff0c\u53ef\u4ee5\u5148\u8003\u616e\u81ea\u5df1\u6253\u7b97\u4f55\u6642\u9000\u4f11\u3001\u9810\u8a08\u4f55\u6642\u9700\u8981\u52d5\u7528\u5e74\u91d1\u3001\u9810\u8a08\u9700\u8981\u5229\u7528\u5e74\u91d1\u652f\u4ed8\u591a\u4e45\u7684\u9000\u4f11\u751f\u6d3b\u7b49\u3002\u4f8b\u5982\u4f60\u6253\u7b9765\u6b72\u9000\u4f11\uff0c\u9810\u8a08\u81ea\u5df1\u9700\u8981\u6e21\u904e\u7d0420\u5e74\u7684\u9000\u4f11\u751f\u6d3b\uff0c\u4f46\u5176\u4ed6\u8cc7\u7522\u8db3\u4ee5\u61c9\u4ed8\u982d5\u5e74\u7684\u9000\u4f11\u751f\u6d3b\uff0c\u90a3\u9ebc\u4f60\u53ef\u80fd\u53ea\u9700\u898115\u5e74\u5e74\u91d1\u9818\u53d6\u671f\u7684\u7522\u54c1\u3002<br><br>\u6b64\u5916\uff0c\u7531\u65bcQDAP\u662f\u4e00\u7a2e\u9577\u671f\u4fdd\u96aa\u7522\u54c1\uff0c\u63d0\u65e9\u9000\u4fdd\u6216\u7d42\u6b62\u4fdd\u55ae\u90fd\u53ef\u80fd\u6703\u5c0e\u81f4\u8ca1\u52d9\u640d\u5931\u3002\u5047\u8a2d\u7e3d\u4fdd\u8cbb\u76f8\u540c\uff0c\u5982\u6709\u8db3\u5920\u6d41\u52d5\u8cc7\u91d1\uff0c\u4f60\u53ef\u4ee5\u9078\u64c7\u4e00\u4e9b\u4f9b\u6b3e\u671f\u8f03\u77ed\u7684\u7522\u54c1\u3002\u76f8\u53cd\uff0c\u5047\u5982\u4f60\u60f3\u628a\u4fdd\u8cbb\u6524\u5206\uff0c\u4f60\u5247\u53ef\u80fd\u9700\u8981\u9078\u64c7\u4e00\u4e9b\u4f9b\u6b3e\u671f\u8f03\u9577\u7684\u7522\u54c1\u3002\u4e8b\u5be6\u4e0a\uff0c\u6295\u4fdd\u4eba\u4ea6\u53ef\u9078\u64c7\u65bc\u4e0d\u540c\u6642\u671f\u8cfc\u8cb7\u591a\u65bc\u4e00\u4efdQDAP\uff0c\u4ee5\u4e0d\u540c\u4f9b\u6b3e\u671f\u6216\u4e0d\u540c\u5e74\u91d1\u9818\u53d6\u671f\u7684\u7522\u54c1\u4f86\u914d\u5408\u81ea\u5df1\u7684\u9000\u4f11\u8a08\u5283\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_%E6%AF%94%E8%BC%83%E5%85%A7%E9%83%A8%E5%9B%9E%E5%A0%B1%E7%8E%87%EF%BC%88IRR%EF%BC%89\"><\/span><strong>3. \u6bd4\u8f03\u5167\u90e8\u56de\u5831\u7387\uff08IRR\uff09<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u5e02\u6c11\u6295\u4fdd\u524d\u53ef\u4ee5\u53c3\u8003\u4e0d\u540c\u7522\u54c1\u7684\u5167\u90e8\u56de\u5831\u7387\uff08IRR\uff09\u3002\u5167\u90e8\u56de\u5831\u7387\u662f\u628a\u672a\u4f86\u73fe\u91d1\u6d41\u91cf\u6298\u73fe\u70ba\u73fe\u503c\u7684\u56de\u5831\u7387\uff0c\u5373\u628a\u5e74\u91d1\u5168\u671f\u4fdd\u8cbb\u53ca\u6536\u5165\u5316\u4f5c\u5e74\u5ea6\u56de\u5831\u8a08\u7b97\u3002\u4e00\u822c\u800c\u8a00\uff0c\u5167\u90e8\u56de\u5831\u7387\u8d8a\u9ad8\uff0c\u4ee3\u8868\u4fdd\u55ae\u7684\u56de\u5831\u8d8a\u5927\u3002<br><br>QDAP\u7684\u7522\u54c1\u8a2d\u8a08\u4e94\u82b1\u516b\u9580\uff0c\u7d2f\u7a4d\u671f\u548c\u5e74\u91d1\u9818\u53d6\u671f\u7684\u9577\u77ed\u3001\u53d7\u4fdd\u4eba\u5e74\u9f61\u3001\u6240\u9078\u64c7\u7684\u4fdd\u55ae\u8ca8\u5e63\u3001\u4fdd\u8cbb\u4ed8\u6b3e\u65b9\u5f0f\u7b49\u56e0\u7d20\u90fd\u6703\u5f71\u97ff\u4fdd\u55ae\u7684\u56de\u5831\u3002<br><br>\u70ba\u65b9\u4fbf\u5e02\u6c11\u8f03\u5bb9\u6613\u4f5c\u51fa\u6bd4\u8f03\uff0c\u6240\u6709QDAP\u5747\u9808\u5728\u7522\u54c1\u5c0f\u518a\u5b50\u5167\uff0c\u4ee5\u4e00\u540d45\u6b72\u975e\u5438\u7159\u7537\u6027\u4fdd\u55ae\u6301\u6709\u4eba\u70ba\u4f8b\uff0c\u986f\u793a\u5176\u5167\u90e8\u56de\u5831\u7387\uff0c\u5305\u62ec\u4fdd\u8b49\u90e8\u5206\uff08\u5373\u4fdd\u8b49\u5167\u90e8\u56de\u5831\u7387\uff09\u53ca\u7e3d\u9810\u8a08\u6536\u76ca\uff08\u5373\u7e3d\u5167\u90e8\u56de\u5831\u7387\uff09\u3002\u6b64\u5916\uff0c\u75312020\u5e743\u670831\u65e5\u8d77\uff0c\u4fdd\u96aa\u516c\u53f8\u5728\u92b7\u552e\u6642\uff0c\u4ea6\u5fc5\u9808\u65bc\u5229\u76ca\u8aaa\u660e\u6587\u4ef6\u4e2d\u62ab\u9732\u500b\u4eba\u5316\u7684\u4fdd\u8b49\u5167\u90e8\u56de\u5831\u7387\u53ca\u7e3d\u5167\u90e8\u56de\u5831\u7387\u3002<br><br>\u5118\u7ba1\u5982\u6b64\uff0c\u8cfc\u8cb7\u5e74\u91d1\u7684\u539f\u610f\u4e26\u975e\u8ffd\u6c42\u56de\u5831\uff0c\u800c\u662f\u5e6b\u52a9\u6295\u4fdd\u4eba\u6709\u7d00\u5f8b\u5730\u4f7f\u7528\u9000\u4f11\u7a4d\u84c4\u4ee5\u61c9\u5c0d\u9577\u58fd\u6240\u5e36\u4f86\u7684\u8ca1\u52d9\u98a8\u96aa\u3002\u5e02\u6c11\u9078\u64c7QDAP\u6642\uff0c\u4e0d\u61c9\u55ae\u7d14\u6bd4\u8f03\u4e0d\u540c\u4fdd\u55ae\u7684\u56de\u5831\uff0c\u800c\u61c9\u8a72\u540c\u6642\u8003\u616e\u4e0d\u540c\u4fdd\u55ae\u7684\u7279\u9ede\u53ca\u8a55\u4f30\u500b\u4eba\u9700\u8981\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_%E5%8F%83%E8%80%83%E5%88%86%E7%B4%85%E5%AF%A6%E7%8F%BE%E7%8E%87%EF%BC%88Fulfillment_Ratio%EF%BC%89\"><\/span><strong>4. \u53c3\u8003\u5206\u7d05\u5be6\u73fe\u7387\uff08Fulfillment Ratio\uff09<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u5206\u7d05\u5be6\u73fe\u7387\u53ea\u9069\u7528\u65bc\u6709\u300c\u975e\u4fdd\u8b49\u5229\u76ca\u300d\u7684\u7522\u54c1\u3002\u975e\u4fdd\u8b49\u5229\u76ca\u4e00\u822c\u53d7\u4fdd\u96aa\u516c\u53f8\u7684\u6295\u8cc7\u56de\u5831\u3001\u7406\u8ce0\u53ca\u76c8\u5229\u7b49\u56e0\u7d20\u5f71\u97ff\uff0c\u672a\u5fc5\u80fd\u5920\u5b8c\u5168\u514c\u73fe\u3002\u800c\u5927\u90e8\u5206\u7684QDAP\u7522\u54c1\u6240\u6d3e\u767c\u7684\u5e74\u91d1\u91d1\u984d\u90fd\u5305\u542b\u300c\u975e\u4fdd\u8b49\u300d\u90e8\u5206\uff0c\u6295\u4fdd\u4eba\u6700\u7d42\u53ef\u7372\u7684\u975e\u4fdd\u8b49\u5e74\u91d1\u91d1\u984d\uff0c\u6709\u53ef\u80fd\u9ad8\u65bc\u6216\u4f4e\u65bc\u7576\u521d\u8cfc\u8cb7QDAP\u6642\uff0c\u65bc\u5229\u76ca\u8aaa\u660e\u6587\u4ef6\u4e2d\u63d0\u53ca\u7684\u975e\u4fdd\u8b49\u5229\u76ca\u90e8\u4efd\u3002<br><br>\u70ba\u65b9\u4fbf\u5e02\u6c11\u4e86\u89e3\u4fdd\u96aa\u516c\u53f8\u904e\u5f80\u6d3e\u767c\u975e\u4fdd\u8b49\u5229\u76ca\u7684\u8868\u73fe\uff0c\u4fdd\u96aa\u516c\u53f8\u5fc5\u9808\u65bc\u5176\u7db2\u9801\u520a\u767b\u6709\u95dc\u7522\u54c1\u7684\u5206\u7d05\u5be6\u73fe\u7387\u3002100% \u7684\u6bd4\u7387\u8868\u793a\u4fdd\u96aa\u516c\u53f8\u5be6\u969b\u6d3e\u767c\u7684\u975e\u4fdd\u8b49\u5229\u76ca\u90e8\u5206\u8207\u92b7\u552e\u6642\u9810\u671f\u7684\u975e\u4fdd\u8b49\u5229\u76ca\u76f8\u540c\u3002\u5982\u679c\u6bd4\u7387\u9ad8\u65bc 100%\uff0c\u5247\u8868\u793a\u5be6\u969b\u6d3e\u767c\u7684\u91d1\u984d\u9ad8\u65bc\u92b7\u552e\u6642\u5229\u76ca\u8aaa\u660e\u6240\u8ff0\u7684\u6578\u984d\uff0c\u53cd\u4e4b\u4ea6\u7136\u3002<br><br>\u7531\u65bcQDAP\u63a8\u51fa\u6642\u671f\u5c1a\u77ed\uff0c\u9084\u672a\u5230\u5e74\u91d1\u9818\u53d6\u671f\uff0c\u6240\u4ee5\u76f8\u95dcQDAP\u6d3e\u767c\u7684\u91d1\u984d\uff0c\u90e8\u5206\u5206\u7d05\u5be6\u73fe\u7387\u5c1a\u4e0d\u9069\u7528\u3002\u4e0d\u904e\u5e02\u6c11\u4ea6\u53ef\u7559\u610f\u4fdd\u96aa\u516c\u53f8\u5176\u4ed6\u540c\u985e\u5225\u7523\u54c1\u7684\u5206\u7d05\u5be6\u73fe\u7387\u4f5c\u53c3\u8003\u4e4b\u7528\u3002<br><br>\u6709\u95dc\u5206\u7d05\u5be6\u73fe\u7387\u7684\u7a2e\u985e\u53ca\u8a08\u7b97\u65b9\u6cd5\uff0c\u53ef\u53c3\u8003\u672c\u7db2\u7ad9\u4e0a\u7684<a href=\"https:\/\/ia.org.hk\/tc\/fulfillment_ratio\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\">\u300c\u5206\u7d05\u5be6\u73fe\u7387\u300d\u5c08\u9801<\/a>\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_%E7%95%99%E6%84%8F%E9%80%80%E4%BF%9D%E5%83%B9%E5%80%BC%EF%BC%88Surrender_Value%EF%BC%89\"><\/span><strong>5. \u7559\u610f\u9000\u4fdd\u50f9\u503c\uff08Surrender Value\uff09<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u7531\u65bcQDAP\u662f\u4e00\u7a2e\u9577\u671f\u4fdd\u96aa\u7522\u54c1\uff0c\u63d0\u65e9\u9000\u4fdd\u6216\u7d42\u6b62\u4fdd\u55ae\u90fd\u53ef\u80fd\u6703\u5c0e\u81f4\u8ca1\u52d9\u640d\u5931\uff0c\u5c24\u5176\u5728\u4fdd\u55ae\u751f\u6548\u7684\u521d\u671f\u63d0\u51fa\uff0c\u6536\u5230\u7684\u9000\u4fdd\u91d1\u984d\u53ef\u80fd\u6703\u5927\u5e45\u4f4e\u65bc\u5df2\u4ed8\u4fdd\u8cbb\u3002\u5e02\u6c11\u9078\u64c7QDAP\u6642\uff0c\u61c9\u4e00\u4f75\u8003\u616e\u500b\u4eba\u7684\u9577\u671f\u4f9b\u6b3e\u80fd\u529b\u3001\u6d41\u52d5\u8cc7\u91d1\u9700\u8981\u53ca\u9000\u4f11\u8a08\u5283\u7b49\u3002<br><br>\u70ba\u4e86\u4fdd\u969c\u6295\u4fdd\u4eba\u7684\u5229\u76ca\uff0c\u4fdd\u76e3\u5c40\u898f\u5b9aQDAP\u7684\u9000\u4fdd\u91d1\u984d\u9808\u76e1\u91cf\u5b9a\u65bc\u4fdd\u96aa\u516c\u53f8\u4e0d\u6703\u56e0\u6295\u4fdd\u4eba\u63d0\u524d\u7d42\u6b62\u4fdd\u55ae\u800c\u7372\u5229\u7684\u6c34\u5e73\u3002\u6295\u4fdd\u4eba\u53ef\u65bc\u5229\u76ca\u8aaa\u660e\u6587\u4ef6\u4e2d\u67e5\u95b1\u5305\u62ec\u4fdd\u8b49\u56de\u5831\u53ca\u975e\u4fdd\u8b49\u56de\u5831\uff08\u5982\u9069\u7528\uff09\u5728\u5167\u7684\u9000\u4fdd\u50f9\u503c\uff0c\u6216\u65bc\u76f8\u95dc\u7522\u54c1\u5c0f\u518a\u5b50\u4e2d\uff0c\u67e5\u95b1\u9996\u5e74\u9000\u4fdd\u91d1\u984d\u4f54\u5df2\u4ed8\u4fdd\u8cbb\u7684\u767e\u4efd\u6bd4\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_%E5%96%84%E7%94%A8%E3%80%8C%E5%B9%B4%E9%87%91%E8%87%B3%E8%AD%98%E6%8F%80%E3%80%8D%E6%90%9C%E5%B0%8B%E5%B7%A5%E5%85%B7\"><\/span><strong>6. \u5584\u7528\u300c\u5e74\u91d1\u81f3\u8b58\u63c0\u300d\u641c\u5c0b\u5de5\u5177<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u70ba\u5354\u52a9\u5e02\u6c11\u66f4\u5bb9\u6613\u7372\u53d6\u6709\u95dcQDAP\u7684\u8cc7\u8a0a\uff0c\u5f9e\u800c\u4f5c\u51fa\u660e\u667a\u7684\u9078\u64c7\uff0c\u4fdd\u76e3\u5c40\u63a8\u51fa<a href=\"https:\/\/ia.org.hk\/tc\/qualifying_deferred_annuity_policy\/qdap_selection_tool.html\">\u300c\u5e74\u91d1\u81f3\u8b58\u63c0\u300d<\/a>\u4e00\u7ad9\u5f0f\u641c\u5c0b\u5de5\u5177\u3002\u5e02\u6c11\u53ea\u9700\u56de\u7b54\u4e94\u689d\u554f\u984c\uff0c\u4fbf\u80fd\u7be9\u9078\u51fa\u7b26\u5408\u5176\u504f\u597d\u7684\u7522\u54c1\uff0c\u4e26\u540c\u6642\u7372\u53d6\u91cd\u8981\u7522\u54c1\u8cc7\u6599\uff0c\u5305\u62ec\u4fdd\u55ae\u8ca8\u5e63\u3001\u4f9b\u6b3e\u671f\u3001\u5e74\u91d1\u9818\u53d6\u671f\u3001\u5167\u90e8\u56de\u5831\u7387\u3001\u53ef\u4f9b\u8cfc\u8cb7\u5e74\u9f61\u7b49\u3002\u5e02\u6c11\u4ea6\u53ef\u4ee5\u9078\u53d6\u5e02\u9762\u4e0a\u6240\u6709\u53ef\u4f9b\u8cfc\u8cb7\u7684\u5b8c\u6574QDAP\u540d\u55ae\uff0c\u67e5\u95b1\u76f8\u95dc\u7522\u54c1\u8cc7\u8a0a\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C\"><\/span>\u5e38\u898b\u554f\u984c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q1\u6211\u5982\u4f55\u5f97\u77e5\u54ea\u4e9b\u5ef6\u671f\u5e74\u91d1\u7522\u54c1\uff0c\u53ef\u4eab\u7a05\u52d9\u6263\u9664\u7684\u512a\u60e0\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A1<\/strong>\u6cd5\u4f8b\u8a02\u660e\uff0c\u5ef6\u671f\u5e74\u91d1\u7522\u54c1\u9808\u7b26\u5408\u4fdd\u96aa\u696d\u76e3\u7ba1\u5c40\uff08\u4fdd\u76e3\u5c40\uff09\u767c\u51fa\u7684<a href=\"https:\/\/ia.org.hk\/tc\/legislative_framework\/files\/GL19_Chi.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u6307\u5f15<\/a>\u6240\u8a02\u4e4b\u4e00\u7cfb\u5217\u689d\u4ef6\uff0c\u5176\u5df2\u7e73\u4ed8\u7684\u4fdd\u8cbb\u65b9\u5408\u8cc7\u683c\u5728\u85aa\u4ff8\u7a05\u53ca\u500b\u4eba\u5165\u606f\u8ab2\u7a05\u4e0b\u4eab\u6709\u7a05\u52d9\u6263\u9664\u7684\u512a\u60e0\u3002\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\uff08\u7c21\u7a31\u300cQDAP\u300d\uff09\u7684\u92b7\u552e\u8aaa\u660e\u66f8\u4ea6\u6703\u6e05\u6670\u5730\u6a19\u660e\u8a72\u7522\u54c1\u5df2\u7372\u4fdd\u76e3\u5c40\u8a8d\u8b49\uff0c\u4e26\u5370\u6709QDAP\u6a19\u8a8c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u4ea6\u53ef\u5229\u7528\u4fdd\u76e3\u5c40\u7684&nbsp;<a href=\"https:\/\/ia.org.hk\/tc\/qualifying_deferred_annuity_policy\/qdap_selection_tool.html\">\u300c\u5e74\u91d1\u81f3\u8b58\u63c0\u300d<\/a>\u4e00\u7ad9\u5f0f\u641c\u5c0b\u5de5\u5177\uff0c\u6309\u4f60\u7684\u9700\u8981\u548c\u504f\u597d\uff0c\u7be9\u9078\u53ca\u6bd4\u8f03\u76f8\u95dcQDAP\u7522\u54c1\uff0c\u6216\u700f\u89bd\u5e02\u9762\u4e0a\u6240\u6709\u53ef\u4f9b\u8cfc\u8cb7\u7684\u5b8c\u6574QDAP\u540d\u55ae\uff0c\u67e5\u95b1\u76f8\u95dc\u7522\u54c1\u8cc7\u8a0a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q2\u8981\u5217\u70ba\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\uff08\u7c21\u7a31\u300cQDAP\u300d\uff09\uff0c\u9700\u8981\u7b26\u5408\u751a\u9ebc\u689d\u4ef6\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A2<\/strong>\u5ef6\u671f\u5e74\u91d1\u7522\u54c1\u9808\u7b26\u5408\u4fdd\u96aa\u696d\u76e3\u7ba1\u5c40\u767c\u51fa\u7684<a href=\"https:\/\/ia.org.hk\/tc\/legislative_framework\/files\/GL19_Chi.pdf\">\u6307\u5f15<\/a>\u6240\u8a02\u4e4b\u4e00\u7cfb\u5217\u689d\u4ef6\uff0c\u65b9\u53ef\u6210\u70baQDAP\u3002\u689d\u4ef6\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4fdd\u8cbb\u7e3d\u984d\u6700\u5c11\u70ba18\u842c\u6e2f\u5143\uff0c\u4f9b\u6b3e\u671f\u6700\u5c11\u4e94\u5e74\uff1b<\/li>\n\n\n\n<li>\u5e74\u91d1\u9818\u53d6\u671f\u6700\u77ed\u70ba\u5341\u5e74\uff1b<\/li>\n\n\n\n<li>\u5e74\u91d1\u9818\u53d6\u4eba\u9808\u5e74\u5c4650\u6b72\u6216\u4ee5\u4e0a\u65b9\u53ef\u63d0\u53d6\u5e74\u91d1\uff1b\u53ca<\/li>\n\n\n\n<li>\u7b26\u5408\u4ee5\u4e0b\u7684\u62ab\u9732\u898f\u5b9a\uff1a\n<ul class=\"wp-block-list\">\n<li>\u7522\u54c1\u7684\u5167\u90e8\u56de\u5831\u7387\u9808\u5728\u5176\u92b7\u552e\u8aaa\u660e\u66f8\u53ca\u8207\u4fdd\u55ae\u6301\u6709\u4eba\u7684\u76f8\u95dc\u901a\u8a0a\u5167\u6e05\u695a\u8a3b\u660e\uff1b<\/li>\n\n\n\n<li>\u9808\u6e05\u695a\u516c\u5e03\u4fdd\u8b49\u5e74\u91d1\u984d\u548c\u6d6e\u52d5\u5e74\u91d1\u984d\uff08\u5982\u9069\u7528\uff09\uff1b<\/li>\n\n\n\n<li>\u9644\u52a0\u4fdd\u969c\uff08\u4f8b\u5982\u5371\u75be\u4fdd\u969c\u3001\u4f4f\u9662\u73fe\u91d1\u7b49\uff09\u7684\u4fdd\u8cbb\u9808\u8207\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u7684\u4fdd\u8cbb\u6e05\u695a\u5206\u958b\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q3\u7a05\u52d9\u6263\u9664\u7684\u9069\u7528\u7bc4\u570d\u6db5\u84cb\u54ea\u4e9b\u4eba\u58eb\uff1f\u6211\u61c9\u8a72\u5982\u4f55\u5c31\u5df2\u7e73\u4ed8\u7684\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\u7684\u4fdd\u8cbb\u7533\u8acb\u7a05\u52d9\u6263\u9664\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A3<\/strong>\u6709\u95dc\u7a05\u52d9\u6263\u9664\u7684\u8a73\u60c5\uff0c\u4ee5\u53ca\u586b\u5beb\u5831\u7a05\u8868\u7684\u7a0b\u5e8f\uff0c\u8acb\u81f4\u96fb\u7a05\u52d9\u5c40\u7684\u67e5\u8a62\u71b1\u7dda187 8088\u6216\u700f\u89bd<a href=\"https:\/\/www.ird.gov.hk\/chi\/faq\/annuity_qp.htm\" target=\"_blank\" rel=\"noreferrer noopener\">\u7a05\u52d9\u5c40\u7db2\u7ad9<\/a>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q4\u6211\u8cfc\u8cb7\u4e86\u4e00\u4efd\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\uff0c\u8a72\u4fdd\u55ae\u7b26\u5408\u554f\u984c\u4e8c\u63d0\u53ca\u7684\u4e00\u7cfb\u5217\u689d\u4ef6\uff0c\u6211\u53ef\u4ee5\u4eab\u53d7\u540c\u6a23\u7684\u7a05\u52d9\u6263\u9664\u512a\u60e0\u55ce\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A4<\/strong>\u4e0d\u53ef\u4ee5\u3002\u53ea\u6709\u8cfc\u8cb7\u5df2\u88ab\u8a8d\u8b49\u70ba\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\uff08\u7c21\u7a31\u300cQDAP\u300d\uff09\u7684\u7522\u54c1\uff0c\u5176\u7e73\u4ed8\u7684\u4fdd\u8cbb\u65b9\u53ef\u4eab\u6709\u7a05\u52d9\u6263\u9664\u7684\u512a\u60e0\u3002\u5176\u4ed6\u4e0d\u5728\u4fdd\u96aa\u696d\u76e3\u7ba1\u5c40\u8a8d\u8b49\u70baQDAP\u4e4b\u5217\u7684\u5e74\u91d1\u7522\u54c1\uff0c\u5176\u5df2\u7e73\u4ed8\u4fdd\u8cbb\u4e26\u4e0d\u53ef\u4eab\u6709\u7a05\u52d9\u6263\u9664\u7684\u512a\u60e0\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q5\u5c31\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\u7684\u4fdd\u8cbb\u800c\u7e73\u4ea4\u7684\u4fdd\u8cbb\u5fb5\u8cbb\uff0c\u53ef\u4ee5\u4eab\u53d7\u540c\u6a23\u7684\u7a05\u52d9\u6263\u9664\u512a\u60e0\u55ce\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A5<\/strong>\u4e0d\u53ef\u4ee5\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q6\u6211\u8cfc\u8cb7\u7684\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\uff0c\u9644\u6709\u5176\u4ed6\u4fdd\u969c\u3002\u5c31\u9644\u52a0\u4fdd\u969c\u7684\u4fdd\u8cbb\uff0c\u53ef\u4ee5\u4eab\u53d7\u540c\u6a23\u7684\u7a05\u52d9\u6263\u9664\u512a\u60e0\u55ce\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A6<\/strong>\u4e0d\u53ef\u4ee5\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q7\u6211\u53ef\u4ee5\u600e\u6a23\u67e5\u95b1\u6211\u5df2\u7e73\u4ea4\u7684\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u8cbb\u91d1\u984d\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A7<\/strong>\u4fdd\u96aa\u516c\u53f8\u6703\u65bc\u6bcf\u500b\u8ab2\u7a05\u5e74\u5ea6\u5b8c\u7d50\uff08\u53733\u670831\u65e5\uff09\u5f8c\u768440\u65e5\u5167\uff0c\u5411\u4f60\u767c\u51fa\u5468\u5e74\u5831\u8868\uff0c\u5217\u51fa\u4f60\u5728\u8a72\u8ab2\u7a05\u5e74\u5ea6\u5df2\u7e73\u4ea4\u7684\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u8cbb\u91d1\u984d\u3002\u5c31\u9644\u52a0\u4fdd\u969c\u6216\u5176\u4ed6\u4e0d\u7b26\u5408\u7a05\u52d9\u6263\u9664\u689d\u4ef6\u7684\u7522\u54c1\u800c\u7e73\u4ea4\u7684\u4fdd\u8cbb\uff0c\u6703\u5728\u5468\u5e74\u5831\u8868\u4e2d\u88ab\u6263\u9664\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q8\u6211\u8cfc\u8cb7\u4e4b\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\u7684\u4fdd\u55ae\u5468\u5e74\u8207\u8ab2\u7a05\u5e74\u5ea6\u4e26\u4e0d\u76f8\u540c\uff0c\u6211\u61c9\u8a72\u600e\u6a23\u8a08\u7b97\u6211\u5df2\u7e73\u4ea4\u7684\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u8cbb\u91d1\u984d\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A8<\/strong>\u4fdd\u96aa\u516c\u53f8\u6703\u65bc\u6bcf\u500b\u8ab2\u7a05\u5e74\u5ea6\u5b8c\u7d50\uff08\u53733\u670831\u65e5\uff09\u5f8c\u768440\u65e5\u5167\uff0c\u5411\u4f60\u767c\u51fa\u5468\u5e74\u5831\u8868\uff0c\u5217\u51fa\u4f60\u5728\u8a72\u8ab2\u7a05\u5e74\u5ea6\u5df2\u7e73\u4ea4\u7684\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u8cbb\u91d1\u984d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q9\u5982\u4f55\u67e5\u95b1\u67d0\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\uff08\u7c21\u7a31\u300cQDAP\u300d\uff09\u7684\u5167\u90e8\u56de\u5831\u7387\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A9<\/strong> QDAP\u7684\u6700\u4f4e\u53ca\u6700\u9ad8\u4e4b\u5167\u90e8\u56de\u5831\u7387\uff0c\u4ee5\u53ca\u7e3d\u5167\u90e8\u56de\u5831\u7387\uff0c\u6703\u4ee5\u4f8b\u5b50\u7684\u5f62\u5f0f\u520a\u8f09\u65bc\u5176\u92b7\u552e\u8aaa\u660e\u66f8\u4e2d\u3002\u4fdd\u76e3\u5c40\u63a8\u51fa\u7684<a href=\"https:\/\/ia.org.hk\/tc\/qualifying_deferred_annuity_policy\/qdap_selection_tool.html\">\u300c\u5e74\u91d1\u81f3\u8b58\u63c0\u300d<\/a>\u4e00\u7ad9\u5f0f\u641c\u5c0b\u5de5\u5177\uff0c\u4ea6\u6703\u5217\u51fa\u5e02\u9762\u4e0a\u53ef\u4f9b\u8cfc\u8cb7\u7684QDAP\u4e4b\u5167\u90e8\u56de\u90e8\u7387\u3002\u5982\u6b32\u4e86\u89e3\u500b\u4eba\u5316\u7684\u5167\u90e8\u56de\u5831\u7387\uff0c\u8acb\u5411\u4fdd\u96aa\u516c\u53f8\u6216\u4e2d\u4ecb\u4eba\u67e5\u8a62\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q10\u4fdd\u96aa\u696d\u76e3\u7ba1\u5c40\u6709\u6c92\u6709\u898f\u7ba1\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\uff08\u7c21\u7a31\u300cQDAP\u300d\uff09\u7684\u92b7\u552e\uff0c\u4ee5\u4fdd\u969c\u6295\u4fdd\u4eba\u7684\u5229\u76ca\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A10<\/strong>\u4e00\u5982\u5176\u4ed6\u9577\u671f\u4fdd\u96aa\u696d\u52d9\u7522\u54c1\uff0c\u92b7\u552eQDAP\u7684\u4fdd\u96aa\u516c\u53f8\uff0c\u5fc5\u9808\u9075\u5b88\u627f\u4fdd\u9577\u671f\u4fdd\u96aa\u696d\u52d9 \uff08\u985e\u5225 C \u696d\u52d9\u9664\u5916\uff09\u6307\u5f15\uff08\u5373\u300cGL16\u300d\uff09\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q11\u6211\u61c9\u5426\u4ee5\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\u53d6\u4ee3\u6211\u672c\u4f86\u5df2\u8cfc\u8cb7\u7684\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A11<\/strong>\u5e74\u91d1\u4fdd\u55ae\u7684\u689d\u6b3e\u4e00\u822c\u6703\u5217\u660e\uff0c\u5982\u6295\u4fdd\u4eba\u63d0\u65e9\u9000\u4fdd\u6216\u7d42\u6b62\u4fdd\u55ae\uff0c\u6703\u88ab\u5fb5\u6536\u7f70\u6b3e\u3002\u6295\u4fdd\u4eba\u5982\u63d0\u65e9\u9000\u4fdd\uff08\u5c24\u5176\u5728\u4fdd\u55ae\u751f\u6548\u7684\u521d\u671f\u63d0\u51fa\uff09\uff0c\u6216\u6703\u62db\u81f4\u8ca1\u52d9\u640d\u5931\u3002\u56e0\u6b64\uff0c\u5728\u53d6\u4ee3\u4f60\u73fe\u6709\u7684\u4fdd\u55ae\u524d\uff0c\u8acb\u5411\u4f60\u7684\u4fdd\u96aa\u516c\u53f8\u67e5\u8a62\uff0c\u4e86\u89e3\u662f\u5426\u9700\u8981\u5c31\u6b64\u7e73\u4ed8\u4efb\u4f55\u8cbb\u7528\u3002\u5982\u6709\u7591\u554f\uff0c\u8acb\u5c0b\u6c42\u5c08\u696d\u610f\u898b\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q12\u82e5\u592b\u5a66\u4e00\u540c\u8cfc\u8cb7\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\uff0c\u592a\u592a\u70ba\u5bb6\u5ead\u4e3b\u5a66\u4e26\u7121\u4efb\u4f55\u61c9\u8ab2\u7a05\u5165\u606f\uff0c\u592b\u5a66\u662f\u5426\u4ecd\u53ef\u4eab\u5408\u5171120,000\u6e2f\u5143\u6263\u7a05\u4e0a\u9650?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A12<\/strong>\u7d0d\u7a05\u4eba\u5fc5\u9808\u7b26\u5408\u7a0e\u52d9\u689d\u4f8b\u6240\u6709\u5408\u8cc7\u683c\u8981\u6c42\u53ca\u7531\u7a0e\u52d9\u5c40\u767c\u51fa\u7684\u76f8\u95dc\u6307\u5f15\uff0c\u65b9\u53ef\u7533\u7d22\u6b64\u7a05\u9805\u6263\u9664\u3002\u5982\u7d0d\u7a05\u4eba\u7684\u914d\u5076\u6ca1\u6709\u4efb\u4f55\u61c9\u8ab2\u7a05\u5165\u606f\uff0c\u4ed6\u5011\u4e0d\u7b26\u5408\u8cc7\u683c\u7533\u8acb\u5408\u4f75\u8a55\u7a05\u6216\u5171\u540c\u9078\u64c7\u4ee5\u500b\u4eba\u5165\u606f\u8ab2\u7a05\u65b9\u5f0f\u8a55\u7a05\uff0c\u56e0\u6b64\uff0c\u7d0d\u7a05\u4eba\u53ef\u4ee5\u7372\u5f97\u7684\u6700\u9ad8\u6263\u9664\u989d\u53ea\u53ef\u4ee5\u662f\u5176\u500b\u4eba\u4e0a\u9650\u768460,000\u6e2f\u5143\u3002\u8a73\u60c5\u8acb\u700f\u89bd<a href=\"https:\/\/www.ird.gov.hk\/chi\/faq\/annuity_qp.htm\" target=\"_blank\" rel=\"noreferrer noopener\">\u7a05\u52d9\u5c40\u7db2\u7ad9<\/a>\u3002\u82e5\u5c0d\u7a05\u52d9\u6263\u9664\u6709\u9032\u4e00\u6b65\u67e5\u8a62\uff0c\u5b9c\u76f4\u63a5\u5411\u7a05\u52d9\u5c40\u4e86\u89e3\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q13\u5982\u6211\u7684\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\u4e0d\u518d\u63a5\u53d7\u65b0\u6295\u4fdd\u7533\u8acb\uff0c\u6211\u4e4b\u5f8c\u7e73\u4ea4\u7684\u4fdd\u8cbb\u4ecd\u53ef\u4eab\u6709\u7a05\u52d9\u6263\u9664\u7684\u8cc7\u683c\u55ce\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A13<\/strong>\u4efb\u4f55\u73fe\u6709\u4fdd\u55ae\u7684\u5408\u8cc7\u683c\u5e74\u91d1\u4fdd\u8cbb\uff0c\u5176\u7a05\u52d9\u6263\u9664\u8cc7\u683c\u5c07\u4e0d\u53d7\u5f71\u97ff \u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u95dc\u65bc\u5e74\u91d1\u4fdd\u96aa \u9999\u6e2f\u4eba\u53e3\u8001\u5316\uff0c\u9577\u58fd\u7121\u8ad6\u5c0d\u65bc\u500b\u4eba\u8ca1\u653f\u6216\u793e\u6703\u8ca0\u64d4\u800c\u8a00\uff0c\u90fd\u6703\u69cb\u6210\u58d3\u529b\u3002\u5e74\u91d1\u662f\u4e00\u7a2e\u7528\u4f5c\u898f\u5283\u9000\u4f11\u7684\u5de5\u5177\uff0c\u6295&hellip;&nbsp;<a href=\"https:\/\/wealthlife.hk\/zh_hk\/%e8%aa%8d%e8%ad%98%e5%b9%b4%e9%87%91%e4%bf%9d%e9%9a%aa\/\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">\u8a8d\u8b58\u5e74\u91d1\u4fdd\u96aa<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":367,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_seo_schema_type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_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},"jetpack_post_was_ever_published":false},"categories":[4],"tags":[],"class_list":["post-366","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/wealthlife.hk\/wp-content\/uploads\/2025\/06\/%E5%B9%B4%E9%87%91%E4%BF%9D%E9%99%A9.jpg?fit=1380%2C860&ssl=1","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"jetpack_shortlink":"https:\/\/wp.me\/pgz1ez-5U","jetpack_likes_enabled":false,"_links":{"self":[{"href":"https:\/\/wealthlife.hk\/zh_hk\/wp-json\/wp\/v2\/posts\/366","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wealthlife.hk\/zh_hk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wealthlife.hk\/zh_hk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wealthlife.hk\/zh_hk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/wealthlife.hk\/zh_hk\/wp-json\/wp\/v2\/comments?post=366"}],"version-history":[{"count":1,"href":"https:\/\/wealthlife.hk\/zh_hk\/wp-json\/wp\/v2\/posts\/366\/revisions"}],"predecessor-version":[{"id":368,"href":"https:\/\/wealthlife.hk\/zh_hk\/wp-json\/wp\/v2\/posts\/366\/revisions\/368"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wealthlife.hk\/zh_hk\/wp-json\/wp\/v2\/media\/367"}],"wp:attachment":[{"href":"https:\/\/wealthlife.hk\/zh_hk\/wp-json\/wp\/v2\/media?parent=366"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wealthlife.hk\/zh_hk\/wp-json\/wp\/v2\/categories?post=366"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wealthlife.hk\/zh_hk\/wp-json\/wp\/v2\/tags?post=366"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}