{"id":134,"date":"2022-03-08T15:03:00","date_gmt":"2022-03-08T07:03:00","guid":{"rendered":"https:\/\/finfo.tw\/blog\/?p=134"},"modified":"2026-02-11T14:53:35","modified_gmt":"2026-02-11T06:53:35","slug":"%e6%96%b0%e7%94%9f%e5%85%92%e4%bf%9d%e9%9a%aa%e8%a6%8f%e5%8a%83%e7%b8%bd%e6%95%b4%e7%90%86","status":"publish","type":"post","link":"https:\/\/finfo.tw\/blog\/insurance-planning\/%e6%96%b0%e7%94%9f%e5%85%92%e4%bf%9d%e9%9a%aa%e8%a6%8f%e5%8a%83%e7%b8%bd%e6%95%b4%e7%90%86","title":{"rendered":"2026 \u65b0\u751f\u5152\u4fdd\u96aa\u898f\u5283\u7e3d\u6574\u7406\uff5c\u770b\u5b8c\u641e\u5b9a\u4fdd\u96aa\u5927\u5c0f\u4e8b"},"content":{"rendered":"\n<p>\u65b0\u751f\u5152\u4fdd\u96aa\u5f80\u5f80\u90fd\u662f\u65b0\u624b\u7238\u5abd\u6700\u982d\u75db\u7684\u554f\u984c\uff0c\u7167\u8457\u696d\u52d9\u89aa\u53cb\u7684\u5efa\u8b70\u7e3d\u6703\u64d4\u5fc3\u8cb7\u592a\u8cb4\u6216\u662f\u4fdd\u969c\u4e0d\u5920\u3002\u56e0\u6b64 Finfo \u6574\u7406\u4e86\u65b0\u751f\u5152\u6295\u4fdd\u91cd\u9ede\u8207\u63a8\u85a6\u4fdd\u96aa\u7d44\u5408\uff0c\u53ea\u8981\u638c\u63e1\u7c21\u55ae\u5e7e\u500b\u539f\u5247\uff0c\u4f60\u4e5f\u53ef\u4ee5\u7528\u5c11\u5c11\u7684\u4fdd\u8cbb\u8cb7\u5230\u9ad8\u984d\u7684\u4fdd\u969c\u5594\uff01<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group desktop-only\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u76ee\u9304<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a07fdc19df7b\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #444444;color:#444444\" 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href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e6%96%b0%e7%94%9f%e5%85%92%e4%bf%9d%e9%9a%aa%e8%a6%8f%e5%8a%83%e7%b8%bd%e6%95%b4%e7%90%86\/#2_%E4%B8%80%E5%B9%B4%E6%9C%9F%E8%88%87%E5%AE%9A%E6%9C%9F%E9%9A%AA%E5%84%AA%E5%85%88\" >2. \u4e00\u5e74\u671f\u8207\u5b9a\u671f\u96aa\u512a\u5148<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e6%96%b0%e7%94%9f%e5%85%92%e4%bf%9d%e9%9a%aa%e8%a6%8f%e5%8a%83%e7%b8%bd%e6%95%b4%e7%90%86\/#3_%E4%B8%BB%E7%B4%84%E8%88%87%E9%99%84%E7%B4%84%E7%9A%84%E6%90%AD%E9%85%8D\" >3. \u4e3b\u7d04\u8207\u9644\u7d04\u7684\u642d\u914d<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e6%96%b0%e7%94%9f%e5%85%92%e4%bf%9d%e9%9a%aa%e8%a6%8f%e5%8a%83%e7%b8%bd%e6%95%b4%e7%90%86\/#%E6%96%B0%E7%94%9F%E5%85%92%E4%BF%9D%E9%9A%AA%E7%9A%84%E5%9B%9B%E5%A4%A7%E4%BF%9D%E9%9A%9C%E9%A0%85%E7%9B%AE\" >\u65b0\u751f\u5152\u4fdd\u96aa\u7684\u56db\u5927\u4fdd\u969c\u9805\u76ee<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e6%96%b0%e7%94%9f%e5%85%92%e4%bf%9d%e9%9a%aa%e8%a6%8f%e5%8a%83%e7%b8%bd%e6%95%b4%e7%90%86\/#1_%E9%86%AB%E7%99%82%E8%B2%BB%E7%94%A8%E8%8A%B1%E5%A4%9A%E5%B0%91%E8%B3%A0%E5%A4%9A%E5%B0%91%E7%9A%84%E3%80%8C%E9%86%AB%E7%99%82%E5%AF%A6%E6%94%AF%E5%AF%A6%E4%BB%98%E3%80%8D\" >1. \u91ab\u7642\u8cbb\u7528\u82b1\u591a\u5c11\u8ce0\u591a\u5c11\u7684\u300c\u91ab\u7642\u5be6\u652f\u5be6\u4ed8\u300d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e6%96%b0%e7%94%9f%e5%85%92%e4%bf%9d%e9%9a%aa%e8%a6%8f%e5%8a%83%e7%b8%bd%e6%95%b4%e7%90%86\/#2_%E7%82%BA%E7%BD%B9%E7%99%8C%E6%BA%96%E5%82%99%E7%99%BE%E8%90%AC%E6%B2%BB%E7%99%82%E9%87%91%E7%9A%84%E3%80%8C%E9%98%B2%E7%99%8C%E9%9A%AA%E3%80%81%E9%87%8D%E5%A4%A7%E5%82%B7%E7%97%85%E9%9A%AA%E3%80%8D\" >2. \u70ba\u7f79\u764c\u6e96\u5099\u767e\u842c\u6cbb\u7642\u91d1\u7684\u300c\u9632\u764c\u96aa\u3001\u91cd\u5927\u50b7\u75c5\u96aa\u300d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e6%96%b0%e7%94%9f%e5%85%92%e4%bf%9d%e9%9a%aa%e8%a6%8f%e5%8a%83%e7%b8%bd%e6%95%b4%e7%90%86\/#3_%E5%85%92%E7%AB%A5%E4%B8%8D%E5%8F%AF%E5%BF%BD%E8%A6%96%E7%9A%84%E3%80%8C%E9%87%8D%E5%A4%A7%E7%87%92%E7%87%99%E5%82%B7%E3%80%8D\" >3. \u5152\u7ae5\u4e0d\u53ef\u5ffd\u8996\u7684\u300c\u91cd\u5927\u71d2\u71d9\u50b7\u300d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e6%96%b0%e7%94%9f%e5%85%92%e4%bf%9d%e9%9a%aa%e8%a6%8f%e5%8a%83%e7%b8%bd%e6%95%b4%e7%90%86\/#4_%E5%A3%93%E5%9E%AE%E5%AE%B6%E5%BA%AD%E7%9A%84%E3%80%8C%E5%A4%B1%E8%83%BD%E3%80%8D%E5%8D%B1%E6%A9%9F\" >4. \u58d3\u57ae\u5bb6\u5ead\u7684\u300c\u5931\u80fd\u300d\u5371\u6a5f<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e6%96%b0%e7%94%9f%e5%85%92%e4%bf%9d%e9%9a%aa%e8%a6%8f%e5%8a%83%e7%b8%bd%e6%95%b4%e7%90%86\/#Finfo%E7%B2%BE%E9%81%B8%E6%96%B0%E7%94%9F%E5%85%92%E4%BF%9D%E9%9A%AA%E7%B5%84%E5%90%88\" >Finfo\u7cbe\u9078\u65b0\u751f\u5152\u4fdd\u96aa\u7d44\u5408<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e6%96%b0%e7%94%9f%e5%85%92%e4%bf%9d%e9%9a%aa%e8%a6%8f%e5%8a%83%e7%b8%bd%e6%95%b4%e7%90%86\/#%E5%90%8C%E5%A0%B4%E5%8A%A0%E6%98%A0%EF%BC%9A%E4%BF%9D%E8%B2%BB%E6%9C%89%E5%84%AA%E6%83%A0%E5%97%8E%EF%BC%9F%E5%8F%AF%E4%BB%A5%E5%88%86%E6%9C%9F%E5%97%8E%EF%BC%9F\" >\u540c\u5834\u52a0\u6620\uff1a\u4fdd\u8cbb\u6709\u512a\u60e0\u55ce\uff1f\u53ef\u4ee5\u5206\u671f\u55ce\uff1f<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e6%96%b0%e7%94%9f%e5%85%92%e4%bf%9d%e9%9a%aa%e8%a6%8f%e5%8a%83%e7%b8%bd%e6%95%b4%e7%90%86\/#1_%E4%BF%9D%E8%B2%BB%E5%88%86%E6%9C%9F%EF%BC%9A%E5%96%84%E7%94%A8%E4%BF%A1%E7%94%A8%E5%8D%A1%E5%88%86%E6%9C%9F%EF%BC%90%E5%88%A9%E7%8E%87\" >1. \u4fdd\u8cbb\u5206\u671f\uff1a\u5584\u7528\u4fe1\u7528\u5361\u5206\u671f\uff10\u5229\u7387<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e6%96%b0%e7%94%9f%e5%85%92%e4%bf%9d%e9%9a%aa%e8%a6%8f%e5%8a%83%e7%b8%bd%e6%95%b4%e7%90%86\/#2_%E4%BF%9D%E8%B2%BB%E6%8A%98%E6%89%A3%EF%BC%9A%E5%96%84%E7%94%A8%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%9A%84%E7%8F%BE%E9%87%91%E5%9B%9E%E9%A5%8B\" >2. \u4fdd\u8cbb\u6298\u6263\uff1a\u5584\u7528\u4fe1\u7528\u5361\u7684\u73fe\u91d1\u56de\u994b<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<\/div><\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%9C%80%E4%BD%B3%E6%8A%95%E4%BF%9D%E6%99%82%E6%A9%9F%EF%BC%9A%E6%96%B0%E7%94%9F%E5%85%92%E7%AF%A9%E6%AA%A2%E5%BE%8C%EF%BD%9E%E5%BE%97%E7%9F%A5%E7%AF%A9%E6%AA%A2%E7%B5%90%E6%9E%9C%E5%89%8D\"><\/span>\u6700\u4f73\u6295\u4fdd\u6642\u6a5f\uff1a\u65b0\u751f\u5152\u7be9\u6aa2\u5f8c\uff5e\u5f97\u77e5\u7be9\u6aa2\u7d50\u679c\u524d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img fetchpriority=\"high\" decoding=\"async\" width=\"780\" height=\"554\" src=\"https:\/\/finfo.tw\/blog\/wp-content\/uploads\/2019\/10\/\u65b0\u751f\u5152\u4fdd\u96aa_\u6d41\u7a0b.png\" alt=\"\" class=\"wp-image-2087\" srcset=\"https:\/\/finfo.tw\/blog\/wp-content\/uploads\/2019\/10\/\u65b0\u751f\u5152\u4fdd\u96aa_\u6d41\u7a0b.png 780w, https:\/\/finfo.tw\/blog\/wp-content\/uploads\/2019\/10\/\u65b0\u751f\u5152\u4fdd\u96aa_\u6d41\u7a0b-300x213.png 300w, https:\/\/finfo.tw\/blog\/wp-content\/uploads\/2019\/10\/\u65b0\u751f\u5152\u4fdd\u96aa_\u6d41\u7a0b-768x545.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure>\n\n\n\n<p>2019 \u5e74 10 \u6708 1 \u65e5\u8d77\uff0c\u65b0\u751f\u5152\u7be9\u6aa2\u53ef\u4ee5\u5206\u6210<strong>\u885b\u798f\u90e8\u88dc\u52a9\u7684 21 \u9805\u65b0\u751f\u5152\u7be9\u6aa2<\/strong>\u8207<strong>\u91ab\u9662\u7684\u81ea\u8cbb\u6aa2\u67e5<\/strong>\u3002<\/p>\n\n\n\n<p>\u5065\u4fdd\u88dc\u52a9\u7684 21 \u9805\u300c\u65b0\u751f\u5152\u5148\u5929\u6027\u4ee3\u8b1d\u7570\u5e38\u75be\u75c5\u7be9\u6aa2\u300d\u6703\u5728\u51fa\u751f\u5f8c 48 \u5c0f\u6642\u5f8c\u63a1\u8840\u6aa2\u9a57\uff0c\u6aa2\u67e5\u5982\u6709\u7570\u5e38\u5927\u7d04\u6703\u5728\u51fa\u751f 10 \u5929\u5f8c\u901a\u77e5\u5bb6\u9577\u3002<\/p>\n\n\n\n<p>\u53ea\u8981\u6211\u5011<strong>\u8d95\u5728\u9019 10 \u5929\u5167\u6295\u4fdd<\/strong>\uff0c\u56e0\u70ba\u6c92\u4eba\u77e5\u9053\u7be9\u6aa2\u7d50\u679c\u5982\u4f55\uff0c\u9019\u6642\u5019<strong>\u5b30\u5152\u6703\u88ab\u7576\u4f5c\u5065\u5eb7\u5bf6\u5bf6<\/strong>\uff0c\u5c31\u7b97\u6700\u5f8c<strong>\u7be9\u6aa2\u5831\u544a\u7570\u5e38\uff0c\u4fdd\u96aa\u516c\u53f8\u9084\u662f\u5f97\u7406\u8ce0<\/strong>\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u662f\u7b49\u5230\u7be9\u6aa2\u7d50\u679c\u51fa\u4f86\u5f8c\u518d\u6295\u4fdd\uff0c\u842c\u4e00\u5831\u544a\u7570\u5e38\uff0c\u4fdd\u96aa\u516c\u53f8\u5c31\u6703\u8981\u6c42\u7b49\u5230\u5bf6\u5bf6\u8eab\u9ad4\u72c0\u6cc1\u7a69\u5b9a\u5f8c\u518d\u8a55\u4f30\uff0c\u6703\u56e0\u6b64\u5ef6\u8aa4\u6295\u4fdd\u7684\u6642\u9593\u3002\u5982\u679c\u5831\u544a\u7d50\u679c\u90fd\u6b63\u5e38\uff0c\u5c31\u7b97\u8d85\u904e\u6700\u4f73\u6295\u4fdd\u6642\u6a5f\u4e5f\u4e0d\u7528\u592a\u64d4\u5fc3\uff0c\u76e1\u5feb\u6295\u4fdd\u5c31\u597d\u56c9\uff01<\/p>\n\n\n\n<p>\u5c0d\u4e86\uff0c<strong>\u8a18\u5f97\u8981\u5831\u5b8c\u6236\u53e3\uff0c\u53d6\u5f97\u8eab\u4efd\u8b49\u5b57\u865f\u624d\u53ef\u4ee5\u6295\u4fdd\u3002<\/strong><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%87%AA%E8%B2%BB%E6%AA%A2%E6%9F%A5%E5%BB%BA%E8%AD%B0%E5%9C%A8%E6%8A%95%E4%BF%9D_30_%E6%97%A5%E5%BE%8C%E5%81%9A\"><\/span><strong>\u81ea\u8cbb\u6aa2\u67e5<\/strong>\u5efa\u8b70\u5728\u6295\u4fdd 30 \u65e5\u5f8c\u505a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u91ab\u7642\u4fdd\u96aa\u901a\u5e38\u6709 30 \u5929\u7b49\u5f85\u671f\uff0c\u4e5f\u5c31\u662f\u8aaa\u4fdd\u55ae\u751f\u6548 30 \u5929\u5167\u6aa2\u67e5\u5230\u7684\u75be\u75c5\uff0c\u662f\u4e0d\u6703\u7406\u8ce0\u7684 (\u885b\u798f\u90e8\u88dc\u52a9\u7684 21 \u9805\u7be9\u6aa2\u4e0d\u53d7\u6b64\u9650\u5236)\uff0c\u56e0\u6b64\u5efa\u8b70\u5728\u4fdd\u55ae\u751f\u6548 30 \u5929\u5f8c\u518d\u53bb\u505a\u9019\u4e9b\u81ea\u8cbb\u6aa2\u67e5\u3002\u4e0d\u904e\u9084\u662f\u5065\u5eb7\u6700\u91cd\u8981\uff0c\u842c\u4e00\u8eab\u9ad4\u6709\u7570\u72c0\u9084\u662f\u8981\u76e1\u5feb\u5c31\u91ab\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity is-style-dots\"\/>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%B2%B7%E4%BF%9D%E9%9A%AA%E5%9F%BA%E6%9C%AC%E8%A7%80%E5%BF%B5\"><\/span>\u8cb7\u4fdd\u96aa\u57fa\u672c\u89c0\u5ff5<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_%E7%94%A8%E6%9C%80%E5%B0%91%E7%9A%84%E9%8C%A2%E8%B2%B7%E5%88%B0%E6%9C%80%E9%AB%98%E7%9A%84%E4%BF%9D%E9%9A%9C\"><\/span>1. <strong>\u7528\u6700\u5c11\u7684\u9322\u8cb7\u5230\u6700\u9ad8\u7684\u4fdd\u969c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5728\u51fa\u624b\u8cb7\u4fdd\u96aa\u4e4b\u524d\uff0c\u8981\u5148\u60f3\u60f3\u70ba\u4ec0\u9ebc\u6211\u5011\u6703\u9700\u8981\u4fdd\u96aa\uff1f<\/p>\n\n\n\n<p>\u4fdd\u96aa\u76ee\u7684\u662f\u62ff\u4f86<strong>\u4fdd\u969c\u627f\u64d4\u4e0d\u8d77\u7684\u640d\u5931<\/strong>\u3002\u7c21\u55ae\u4f86\u8aaa\uff0c\u5c31\u662f\u767c\u751f\u4e86\u67d0\u4e9b\u75be\u75c5\u6216\u610f\u5916\u4e8b\u6545\uff0c<strong>\u5f88\u9700\u8981\u9322\uff0c\u4f46\u6211\u5011\u9322\u4e0d\u5920\u591a<\/strong>\uff0c \u9019\u6642\u5019\u4fdd\u96aa\u5c31\u80fd\u5206\u64d4\u4e00\u90e8\u5206\u7684\u652f\u51fa\uff0c\u89e3\u6c7a\u5bb6\u5ead\u7684\u8ca1\u52d9\u5371\u6a5f\u3002<\/p>\n\n\n\n<p>\u8981\u8a18\u5f97\uff0c\u662f\u56e0\u70ba\u6211\u5011\u9322\u4e0d\u5920\u591a\uff0c\u624d\u9700\u8981\u4fdd\u96aa\u7684\u5e6b\u52a9\uff0c\u6240\u4ee5\u6211\u5011\u7684\u76ee\u6a19\u662f<strong>\u7528\u6700\u5c11\u7684\u9322\u8cb7\u5230\u6700\u9ad8\u7684\u4fdd\u969c<\/strong>\uff0c\u7136\u5f8c\u5feb\u901f\u7684\u7d2f\u7a4d\u8cc7\u7522\uff0c\u76f4\u5230\u4f60\u8ca1\u5bcc\u7d2f\u7a4d\u8db3\u5920\uff0c\u89e3\u958b\u4fdd\u96aa\u7684\u67b7\u9396\uff0c\u8f15\u9b06\u5730\u904e\u6d3b\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_%E4%B8%80%E5%B9%B4%E6%9C%9F%E8%88%87%E5%AE%9A%E6%9C%9F%E9%9A%AA%E5%84%AA%E5%85%88\"><\/span>2. \u4e00\u5e74\u671f\u8207\u5b9a\u671f\u96aa\u512a\u5148<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5728 <a href=\"https:\/\/finfo.tw\/inquired\" target=\"_blank\" rel=\"noreferrer noopener\">Finfo<\/a> \u641c\u5c0b\u4fdd\u96aa\u8cc7\u6599\u6642\uff0c\u4f60\u6703\u770b\u5230\u6709\u4e00\u5e74\u671f\u3001\u5b9a\u671f\u3001\u7d42\u8eab\u7684\u4fdd\u96aa\u3002<strong>\u6211\u5011\u512a\u5148\u8003\u616e\u4e00\u5e74\u671f\u8207\u5b9a\u671f\u96aa<\/strong>\uff0c \u7d42\u8eab\u96aa\u6703\u628a\u4fdd\u969c\u9019\u8f29\u5b50\u6240\u9700\u7684\u4fdd\u8cbb\u96c6\u4e2d\u5728\u5341\u5e74\u5230\u4e09\u5341\u5e74\u7e73\u5b8c\uff0c\u4fdd\u8cbb\u81ea\u7136\u6703\u8b8a\u5f97\u8cb4\u9b06\u9b06\uff0c\u9032\u800c\u56b4\u91cd\u64e0\u58d3\u5230\u4f60\u7684\u9810\u7b97\u3002<\/p>\n\n\n\n<p>\u540c\u6a23\u7684\u9322\uff0c\u7d42\u8eab\u96aa\u8cb7\u7684\u662f\u300c\u9577\u671f\u9593\u7684\u4f4e\u4fdd\u969c\u300d\uff0c\u4e00\u5e74\u671f\u8207\u5b9a\u671f\u96aa\u5247\u662f\u300c\u77ed\u671f\u9593\u7684\u9ad8\u4fdd\u969c\u300d\u3002<\/p>\n\n\n\n<p>\u9084\u8a18\u5f97\u6211\u5011\u7684\u76ee\u6a19\u55ce\uff1f<strong>\u7528\u6700\u5c11\u7684\u9322\u8cb7\u5230\u6700\u9ad8\u7684\u4fdd\u969c<\/strong>\u3002\u6211\u5011\u9700\u8981\u7684\u662f\u9ad8\u4fdd\u969c\uff0c\u4e0d\u662f\u9577\u671f\u9593\uff0c \u6240\u4ee5\u5728\u9078\u64c7\u4fdd\u96aa\u6642\u4ee5\u4e00\u5e74\u671f\u8207\u5b9a\u671f\u96aa\u512a\u5148\u3002\u8a18\u4f4f\u9019\u500b\u539f\u5247\uff0c\u4f60\u5df2\u7d93\u53ef\u4ee5\u7701\u4e0b\u5927\u628a\u9214\u7968\u56c9~<\/p>\n\n\n\n<p> \ud83d\udc49 <a href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e7%b5%82%e8%ba%ab%e9%9a%aa%e6%af%94%e8%bc%83%e5%88%92%e7%ae%97%ef%bc%9f%e6%a5%ad%e5%8b%99%e4%b8%8d%e8%aa%aa%e7%9a%84%e5%9b%9b%e5%a4%a7%e5%9c%b0%e9%9b%b7?finfo_blog=post_134\" target=\"_blank\" rel=\"noreferrer noopener\">2026 \u4fdd\u96aa\u898f\u5283\uff1a\u8cb7\u7d42\u8eab\u96aa\u771f\u7684\u6bd4\u8f03\u5212\u7b97?\u696d\u52d9\u4e0d\u6703\u8ddf\u4f60\u8aaa\u7684\u56db\u5927\u5730\u96f7<\/a><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_%E4%B8%BB%E7%B4%84%E8%88%87%E9%99%84%E7%B4%84%E7%9A%84%E6%90%AD%E9%85%8D\"><\/span>3. \u4e3b\u7d04\u8207\u9644\u7d04\u7684\u642d\u914d<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u4fdd\u96aa\u53ef\u4ee5\u5340\u5206\u70ba\u4e3b\u7d04\u8207\u9644\u7d04\uff0c\u9644\u7d04\u5fc5\u9808\u8981\u6709\u4e3b\u7d04\u624d\u53ef\u4ee5\u8cfc\u8cb7\uff0c\u5c31\u50cf\u8d85\u5546\u52a0\u8cfc\u8d08\u54c1\u4e00\u6a23\uff0c\u800c\u901a\u5e38 <strong>CP \u503c\u9ad8\u7684\u4fdd\u96aa\u90fd\u662f\u9644\u7d04<\/strong>\uff0c\u4e3b\u7d04\u53cd\u800c\u4e0d\u662f\u6211\u5011\u60f3\u8981\u7684\uff0c \u9019\u6642\u8070\u660e\u5982\u4f60\u4e00\u5b9a\u77e5\u9053\u600e\u9ebc\u505a\uff0c\u6c92\u932f\uff0c\u5c31\u662f<strong>\u627e\u4e00\u500b\u6700\u4fbf\u5b9c\u7684\u4e3b\u7d04\uff0c\u4f86\u52a0\u8cfc\u771f\u6b63\u60f3\u8cb7\u7684\u9644\u7d04\u3002<\/strong><\/p>\n\n\n\n<p>\u4e0d\u904e\u8981\u6ce8\u610f\u4e00\u9ede\uff0c\u53ea\u6709<strong>\u540c\u4e00\u5bb6\u4fdd\u96aa\u516c\u53f8\u7684\u5546\u54c1\u624d\u53ef\u4ee5\u4e92\u76f8\u642d\u914d<\/strong>\u5594\uff01<\/p>\n\n\n\n<p>\u6bcf\u5bb6\u516c\u53f8\u53ef\u80fd\u90fd\u6709\u4f60\u559c\u6b61\u7684\u5546\u54c1\uff0c\u5982\u679c\u6bcf\u5f35\u5546\u54c1\u90fd\u5fc5\u9808\u642d\u914d\u4e00\u5f35\u4e3b\u7d04\u5c31\u6703\u82b1\u592a\u591a\u4e0d\u5fc5\u8981\u7684\u9322\uff0c \u6240\u4ee5<strong>\u76e1\u91cf\u96c6\u4e2d\u5728\u4e09\u5230\u56db\u5bb6\u5167\u5b8c\u6210<\/strong>\uff0c\u7562\u7adf\u6211\u5011\u7684\u76ee\u6a19\u662f<strong>\u7528\u6700\u5c11\u7684\u9322\u8cb7\u5230\u6700\u9ad8\u7684\u4fdd\u969c<\/strong>\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity is-style-dots\"\/>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%96%B0%E7%94%9F%E5%85%92%E4%BF%9D%E9%9A%AA%E7%9A%84%E5%9B%9B%E5%A4%A7%E4%BF%9D%E9%9A%9C%E9%A0%85%E7%9B%AE\"><\/span>\u65b0\u751f\u5152\u4fdd\u96aa\u7684\u56db\u5927\u4fdd\u969c\u9805\u76ee<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1024\" height=\"480\" src=\"https:\/\/finfo.tw\/blog\/wp-content\/uploads\/2019\/06\/irina-murza-1337569-unsplash-\u62f7\u8c9d-1024x480.jpg\" alt=\"\" class=\"wp-image-474\" srcset=\"https:\/\/finfo.tw\/blog\/wp-content\/uploads\/2019\/06\/irina-murza-1337569-unsplash-\u62f7\u8c9d.jpg 1024w, https:\/\/finfo.tw\/blog\/wp-content\/uploads\/2019\/06\/irina-murza-1337569-unsplash-\u62f7\u8c9d-300x141.jpg 300w, https:\/\/finfo.tw\/blog\/wp-content\/uploads\/2019\/06\/irina-murza-1337569-unsplash-\u62f7\u8c9d-768x360.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_%E9%86%AB%E7%99%82%E8%B2%BB%E7%94%A8%E8%8A%B1%E5%A4%9A%E5%B0%91%E8%B3%A0%E5%A4%9A%E5%B0%91%E7%9A%84%E3%80%8C%E9%86%AB%E7%99%82%E5%AF%A6%E6%94%AF%E5%AF%A6%E4%BB%98%E3%80%8D\"><\/span>1. \u91ab\u7642\u8cbb\u7528\u82b1\u591a\u5c11\u8ce0\u591a\u5c11\u7684\u300c\u91ab\u7642\u5be6\u652f\u5be6\u4ed8\u300d<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u96a8\u8457\u91ab\u7642\u9032\u6b65\u8207\u5065\u4fdd DRGs \u5236\u5ea6\u5be6\u65bd\u5f8c\uff0c\u81ea\u8cbb\u9805\u76ee\u589e\u591a\uff0c \u63a1\u7528\u6548\u679c\u8f03\u597d\u7684\u6cbb\u7642\u6216\u91ab\u6750\u5fc5\u7136\u8981\u984d\u5916\u4ed8\u51fa\u76f8\u5c0d\u7684\u8cbb\u7528\uff0c\u6839\u64da 106 \u5e74\u5065\u4fdd\u7d71\u8a08\u4f4f\u9662\u91ab\u7642\u82b1\u8cbb\u88e1\u96dc\u8cbb\uff08\u85e5\u8cbb\u3001\u6750\u6599\u8cbb\u7b49\uff09\u5c31\u5df2\u4f54\u8d85\u904e 60%\u3002\u52a0\u4e0a\u5c0f\u5b69\u751f\u75c5\u4e5f\u9700\u8981\u5bb6\u9577\u8acb\u5047\u7167\u9867\uff0c\u9577\u671f\u4e0b\u4f86\u7121\u5f62\u7684\u6536\u5165\u640d\u5931\u4e5f\u662f\u500b\u8ca0\u64d4\uff0c\u82e5\u5e0c\u671b\u53ef\u4ee5\u8f49\u5ac1\u9019\u4e9b\u91ab\u7642\u8cbb\u7528\u6216\u6536\u5165\u4e2d\u65b7\u7684\u751f\u6d3b\u8cbb\uff0c\u4fbf\u9700\u8981\u5be6\u652f\u5be6\u4ed8\u5e6b\u52a9\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u5be6\u652f\u5be6\u4ed8\u5e38\u5e38\u63d0\u5230\u6b63\u672c\u7406\u8ce0\u3001\u526f\u672c\u7406\u8ce0\u662f\u4ec0\u9ebc\u9b3c\uff1f<\/h4>\n\n\n\n<p>\u6211\u5011\u5728\u7533\u8acb\u5be6\u652f\u5be6\u4ed8\u7684\u7406\u8ce0\u6703\u7528\u5230\u300c\u91ab\u7642\u8cbb\u7528\u6536\u64da\u300d\uff0c\u4f46\u91ab\u9662\u53ea\u6703\u63d0\u4f9b\u4e00\u4efd\u6b63\u672c\u3002\u7136\u800c\u6709\u4e9b\u5be6\u652f\u5be6\u4ed8\u662f\u53ef\u4ee5\u7528\u526f\u672c\u6536\u64da\u4f86\u7533\u8acb\u7406\u8ce0\uff0c\u800c\u300c\u526f\u672c\u300d\u662f\u6307\u6536\u64da\u7684\u5f71\u672c\u52a0\u84cb\u91ab\u9662\u300c\u8207\u6b63\u672c\u76f8\u7b26\u300d\u7684\u7ae0\u3002\u9019\u6a23\u5c31\u53ef\u4ee5\u5229\u7528\u5be6\u652f\u5be6\u4ed8\u526f\u672c\u7406\u8ce0\u7684\u7279\u6027\u63d0\u9ad8\u4fdd\u969c\uff0c\u9054\u5230\u300c\u4e00\u8ce0\u518d\u8ce0\u300d\u7684\u6548\u679c\u3002<\/p>\n\n\n\n<p>\ud83d\udc49 <a href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e9%86%ab%e7%99%82%e9%9a%aa%e8%a6%8f%e5%8a%83%ef%bc%8c%e6%9c%80%e5%bc%b7%e5%af%a6%e6%94%af%e5%af%a6%e4%bb%98%e7%b8%bd%e6%95%b4%e7%90%86?finfo_blog=post_134\" target=\"_blank\" rel=\"noreferrer noopener\">2026 \u91ab\u7642\u96aa\u898f\u5283\uff0c\u6700\u5f37\u5be6\u652f\u5be6\u4ed8\u63a8\u85a6\u7e3d\u6574\u7406\uff01<\/a> <br>\ud83d\udc49 <a href=\"https:\/\/finfo.tw\/compares\/%E5%AF%A6%E6%94%AF%E5%AF%A6%E4%BB%98%E9%86%AB%E7%99%82%E9%9A%AA\" target=\"_blank\" rel=\"noreferrer noopener\">2026 \u6700\u5f37\u5be6\u652f\u5be6\u4ed8\u91ab\u7642\u96aa\u6bd4\u8f03\u8868<\/a><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_%E7%82%BA%E7%BD%B9%E7%99%8C%E6%BA%96%E5%82%99%E7%99%BE%E8%90%AC%E6%B2%BB%E7%99%82%E9%87%91%E7%9A%84%E3%80%8C%E9%98%B2%E7%99%8C%E9%9A%AA%E3%80%81%E9%87%8D%E5%A4%A7%E5%82%B7%E7%97%85%E9%9A%AA%E3%80%8D\"><\/span>2. \u70ba\u7f79\u764c\u6e96\u5099\u767e\u842c\u6cbb\u7642\u91d1\u7684\u300c\u9632\u764c\u96aa\u3001\u91cd\u5927\u50b7\u75c5\u96aa\u300d<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5e7c\u5152\u764c\u75c7\u4e00\u65e6\u767c\u751f\u5fc5\u7136\u9020\u6210\u5bb6\u4e2d\u8ca0\u64d4\uff0c\u5c0f\u5b69\u6295\u4fdd\u764c\u75c7\u96aa\u4fdd\u8cbb\u4fbf\u5b9c\uff0c\u53ef\u4ee5\u5e7e\u767e\u584a\u7684\u4ee3\u50f9\uff0c\u8f49\u5ac1\u9f90\u5927\u91ab\u7642\u652f\u51fa\u7684\u53ef\u80fd\u6027\uff0c\u66f4\u91cd\u8981\u7684\u662f\uff0c\u4e0d\u7528\u56e0\u70ba\u9ad8\u984d\u7684\u91ab\u7642\u8cbb\u7528\uff0c\u9078\u64c7\u964d\u4f4e\u6cbb\u7642\u7684\u54c1\u8cea\u3002<\/p>\n\n\n\n<p>\u9632\u764c\u96aa\u689d\u4ef6\u70ba\u91ab\u5e2b\u8a3a\u65b7\u7f79\u764c\u5f8c\uff0c\u7acb\u5373\u7406\u8ce0\u4e00\u7b46\u4fdd\u96aa\u91d1\uff1b\u91cd\u5927\u50b7\u75c5\u96aa\u5247\u662f\u7f79\u60a3\u5065\u4fdd\u91cd\u5927\u50b7\u75c5\u898f\u5b9a\u7684300\u591a\u9805\u75be\u75c5\u4e4b\u4e00\uff0c\u5982\u5168\u8eab\u6027\u7d05\u6591\u72fc\u7621\u3001\u764c\u75c7\u3001\u9577\u671f\u63d2\u7ba1\uff0c\u7acb\u5373\u7406\u8ce0\u4e00\u7b46\u4fdd\u96aa\u91d1\uff0c\u4fdd\u969c\u7bc4\u570d\u5ee3\uff0c\u7406\u8ce0\u5ba2\u89c0\uff0c\u662f\u76ee\u524d\u975e\u5e38\u63a8\u85a6\u7684\u4fdd\u96aa\u3002<\/p>\n\n\n\n<p>\ud83d\udc49 <span><a href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%E9%87%8D%E5%A4%A7%E5%82%B7%E7%97%85%E9%98%B2%E7%99%8C%E9%9A%AA%E6%89%8D%E6%98%AF%E6%9C%80%E4%BD%B3%E7%B5%84%E5%90%88%EF%BC%81\/?finfo_blog=post_134\" target=\"_blank\" rel=\"noreferrer noopener\">2026 \u9632\u764c\u96aa\u898f\u5283\uff1a\u91cd\u5927\u50b7\u75c5+\u9632\u764c\u96aa\u624d\u662f\u6700\u4f73\u7d44\u5408\uff01<\/a><\/span><br>\ud83d\udc49 <a href=\"https:\/\/finfo.tw\/compares\/%E4%B8%80%E5%B9%B4%E6%9C%9F%E9%87%8D%E5%A4%A7%E5%82%B7%E7%97%85%E9%9A%AA\" target=\"_blank\" rel=\"noreferrer noopener\">2026 \u6700\u5f37\u4e00\u5e74\u671f\u91cd\u5927\u50b7\u75c5\u96aa\u6bd4\u8f03\u8868<\/a><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_%E5%85%92%E7%AB%A5%E4%B8%8D%E5%8F%AF%E5%BF%BD%E8%A6%96%E7%9A%84%E3%80%8C%E9%87%8D%E5%A4%A7%E7%87%92%E7%87%99%E5%82%B7%E3%80%8D\"><\/span>3. \u5152\u7ae5\u4e0d\u53ef\u5ffd\u8996\u7684\u300c\u91cd\u5927\u71d2\u71d9\u50b7\u300d<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u4ee5\u5152\u7ae5\u71d9\u50b7\u57fa\u91d1\u6703\u7d71\u8a08\u4f86\u770b\uff0c\u6700\u591a\u71d2\u71d9\u50b7\u6848\u4f8b\u7684\u5e74\u9f61\u5340\u9593\u843d\u57280-9\u6b72\uff0c\u5176\u4e2d\u6700\u5e38\u767c\u751f\u5728\u5bb6\u4e2d\u5eda\u623f\uff0c\u88ab\u71b1\u6db2\u3001\u71b1\u7269\u3001\u71b1\u6c23\u71d9\u50b7\u7684\u6bd4\u4f8b\u4e5f\u9060\u9ad8\u65bc\u706b\u707d\u706b\u71c4\u5e36\u4f86\u7684\u50b7\u5bb3\u3002\u56e0\u6b64\u5152\u7ae5\u898f\u5283\u6703\u76e1\u91cf\u5c07\u91cd\u5927\u71d2\u71d9\u50b7\u7684\u984d\u5ea6\u62c9\u9ad8\uff0c\u4ee5\u652f\u61c9\u9019\u4e9b\u610f\u5916\u5e36\u4f86\u7684\u91ab\u7642\u652f\u51fa\u3002<\/p>\n\n\n\n<p>\ud83d\udc49 <a href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e6%84%8f%e5%a4%96%e9%9a%aa%e8%a6%8f%e5%8a%83%ef%bc%8c%e6%9c%80%e5%bc%b7%e6%88%90%e4%ba%ba%e5%85%92%e7%ab%a5%e6%84%8f%e5%a4%96%e9%9a%aa%e6%8e%a8%e8%96%a6%e7%b8%bd%e6%95%b4%e7%90%86\" target=\"_blank\" rel=\"noreferrer noopener\">2026 \u610f\u5916\u96aa\u898f\u5283\uff0c\u6700\u5f37\u6210\u4eba&amp;\u5152\u7ae5\u610f\u5916\u96aa\u63a8\u85a6\u7e3d\u6574\u7406<\/a><br>\ud83d\udc49 <a href=\"https:\/\/finfo.tw\/compares\/%E5%85%92%E7%AB%A5%E6%84%8F%E5%A4%96%E9%9A%AA%E5%B0%88%E6%A1%88\" target=\"_blank\" rel=\"noreferrer noopener\">2026 \u5152\u7ae5\u610f\u5916\u96aa\u5c08\u6848\u6bd4\u8f03\u8868\u7e3d\u6574\u7406<\/a><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_%E5%A3%93%E5%9E%AE%E5%AE%B6%E5%BA%AD%E7%9A%84%E3%80%8C%E5%A4%B1%E8%83%BD%E3%80%8D%E5%8D%B1%E6%A9%9F\"><\/span>4. 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class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u65b0\u805e\u4e0a\u5e38\u770b\u5230\u5c0f\u670b\u53cb\u56e0\u70ba\u5c0f\u5152\u9ebb\u75fa\u6216\u662f\u4e00\u500b\u610f\u5916\u4e8b\u6545\uff0c\u5c0e\u81f4\u6c92\u8fa6\u6cd5\u8aaa\u8a71\u3001\u6c92\u8fa6\u6cd5\u884c\u52d5\u6216\u662f\u667a\u80fd\u969c\u7919\uff0c\u9577\u671f\u6c92\u8fa6\u6cd5\u81ea\u5df1\u7167\u6599\u751f\u6d3b\u7684\u72c0\u6cc1\uff0c\u7238\u7238\u5abd\u5abd\u9664\u4e86\u8981\u82b1\u5f88\u591a\u5fc3\u529b\u7167\u9867\u5916\uff0c\u7167\u9867\u5c0f\u670b\u53cb\u7684\u7d93\u6fdf\u8ca0\u64d4\u4e5f\u662f\u6bd4\u4e00\u822c\u5bb6\u5ead\u9ad8\u51fa\u8a31\u591a\u3002<\/p>\n\n\n\n<p>\u5152\u7ae5\u5931\u80fd\u539f\u56e0\u4e0d\u53ea\u662f\u610f\u5916\u4e5f\u6709\u53ef\u80fd\u662f\u75be\u75c5\u9020\u6210\u7684\uff0c\u5982\u679c\u53ea\u6295\u4fdd\u610f\u5916\u96aa\uff0c\u5247\u6703\u6709\u53ef\u80fd\u628a\u56e0\u70ba\u75be\u75c5\u9020\u6210\u7684\u5931\u80fd\u66b4\u9732\u5728\u98a8\u96aa\u4e4b\u4e2d\uff0c\u5fc5\u9808\u4ee5\u5931\u80fd(\u6b98\u5ee2)\u96aa\u4f86\u5206\u64d4\u9019\u4e9b\u9f90\u5927\u7684\u958b\u92b7\u3002<\/p>\n\n\n\n<p>\ud83d\udc49 <a href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e4%bd%a0%e4%b8%80%e5%ae%9a%e8%a6%81%e7%9f%a5%e9%81%93%e3%80%8c%e5%a4%b1%e8%83%bd%e6%89%b6%e5%8a%a9%e9%87%91%e3%80%8d%e7%9a%84%e4%ba%94%e5%a4%a7%e9%87%8d%e9%bb%9e\/?finfo_blog=post_134\" target=\"_blank\" rel=\"noreferrer noopener\">2026 \u5931\u80fd\u96aa\u898f\u5283 : \u4f60\u4e00\u5b9a\u8981\u77e5\u9053\u300c\u5931\u80fd\u6276\u52a9\u91d1\u300d\u7684\u4e94\u500b\u91cd\u9ede<\/a><br>\ud83d\udc49 <a href=\"https:\/\/finfo.tw\/compares\/%E7%B5%82%E8%BA%AB%E5%A4%B1%E8%83%BD%E9%9A%AA%20(%E4%B8%8D%E9%82%84%E6%9C%AC)\" target=\"_blank\" rel=\"noreferrer noopener\">2026 \u9577\u5e74\u671f\uff0f\u7d42\u8eab\u4e0d\u9084\u672c\u5931\u80fd\u96aa\u6bd4\u8f03\u8868\u7e3d\u6574\u7406<\/a><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity is-style-dots\"\/>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Finfo%E7%B2%BE%E9%81%B8%E6%96%B0%E7%94%9F%E5%85%92%E4%BF%9D%E9%9A%AA%E7%B5%84%E5%90%88\"><\/span>Finfo\u7cbe\u9078\u65b0\u751f\u5152\u4fdd\u96aa\u7d44\u5408<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6bcf\u9593\u4fdd\u96aa\u516c\u53f8\u90fd\u6709\u5404\u81ea\u7684\u512a\u52e2\u8207\u4e0d\u8db3\u7684\u4fdd\u969c\uff0c\u53ef\u4ee5\u85c9\u7531\u4e0d\u540c\u4fdd\u96aa\u516c\u53f8\u4e92\u76f8\u642d\u914d\uff0c\u505a\u5230\u5b8c\u5584\u7684\u898f\u5283\u3002Finfo \u642d\u914d\u51fa<strong>\u542b\u6709\u5be6\u652f\u91ab\u7642\u4e14\u7f79\u764c\u4fdd\u96aa\u91d1\u5145\u8db3<\/strong>\u7684\u7d44\u5408\u63d0\u4f9b\u7528\u6236\u53c3\u8003\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\">\u51f1\u57fa\u4eba\u58fd\uff0b\u9060\u96c4\u4eba\u58fd\uff0b\u65b0\u5b89\u6771\u4eac\u6d77\u4e0a\u7522\u7269<\/h4>\n\n\n\n<p>\u9019\u5169\u9593\u4fdd\u96aa\u516c\u53f8\u90fd\u80fd\u5920\u540c\u6642\u8cb7\u5230\u6709<strong><span class=\"has-inline-color has-luminous-vivid-orange-color\">\u4fdd\u8b49\u7e8c\u4fdd\u7684\u91cd\u5927\u50b7\u75c5\u96aa\u53ca\u9632\u764c\u96aa<\/span><\/strong>\uff0c\u70ba\u4ec0\u9ebc\u8981\u898f\u5283\u9019\u5169\u500b\u96aa\u7a2e\u5462\uff1f\u4e0d\u8981\u89ba\u5f97\u7f79\u764c\u90fd\u662f\u5927\u4eba\u7684\u4e8b\u60c5\uff0c\u5c0f\u670b\u53cb\u5176\u5be6\u5728 0-3 \u6b72\u7684\u6642\u5019\u662f\u6709\u6a5f\u7387\u88ab\u6aa2\u67e5\u51fa\u300c\u8840\u764c\u300d\u7684\u3002\u6b64\u6642\uff0c\u7576\u7136\u6703\u5e0c\u671b\u7528\u6700\u597d\u7684\u6cbb\u7642\u65b9\u5f0f (\u6a19\u9776\u85e5\u7269) \u8d95\u5feb\u5c07\u764c\u75c7\u6cbb\u7642\u597d\uff0c\u91cd\u5927\u50b7\u75c5\u96aa\u53ca\u9632\u764c\u96aa\u5c31\u662f\u62ff\u4f86\u61c9\u4ed8\u9f90\u5927\u7684\u91ab\u7642\u8cbb\u7528\u3002<\/p>\n\n\n\n<p>\u65b0\u5b89\u6771\u4eac\u7684\u610f\u5916\u96aa\u975e\u5e38\u9069\u5408\u7528\u4f86\u61c9\u4ed8<strong><span class=\"has-inline-color has-luminous-vivid-orange-color\">\u71d2\u71d9\u50b7<\/span><\/strong>\uff0c\u5c0f\u670b\u53cb\u5982\u679c\u597d\u52d5\u4e0d\u5c0f\u5fc3\u6253\u7ffb\u7210\u5177\uff0c\u7dca\u6025\u9700\u8981\u4e00\u7b46\u610f\u5916\u7684\u91ab\u7642\u8cbb\u7528\u5c31\u7531\u65b0\u5b89\u6771\u4eac\u610f\u5916\u96aa\u5e6b\u5fd9\u652f\u4ed8\u3002<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter is-style-default\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/finfo.tw\/assortments\/33ef693a626bffea?utm_source=finfo_blog&amp;utm_medium=blog_article&amp;utm_campaign=post_134\" style=\"background-color:#f88f88\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u67e5\u770bFinfo\u7cbe\u9078\u65b0\u751f\u5152\u4fdd\u96aa<\/strong><\/a><\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity is-style-dots\"\/>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%90%8C%E5%A0%B4%E5%8A%A0%E6%98%A0%EF%BC%9A%E4%BF%9D%E8%B2%BB%E6%9C%89%E5%84%AA%E6%83%A0%E5%97%8E%EF%BC%9F%E5%8F%AF%E4%BB%A5%E5%88%86%E6%9C%9F%E5%97%8E%EF%BC%9F\"><\/span>\u540c\u5834\u52a0\u6620\uff1a\u4fdd\u8cbb\u6709\u512a\u60e0\u55ce\uff1f\u53ef\u4ee5\u5206\u671f\u55ce\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6311\u9078\u5b8c\u4fdd\u96aa\u5f8c\uff0c\u7e73\u8cbb\u4e5f\u662f\u4ee4\u4eba\u982d\u75db\u7684\u554f\u984c\u3002\u7e73\u8cbb\u65b9\u5f0f\u53ef\u4ee5\u5206\u70ba\u4fe1\u7528\u5361\u7e73\u8cbb\u3001\u9280\u884c\u81ea\u52d5\u6263\u7e73\u6216\u81ea\u884c\u7e73\u8cbb\uff0c\u7e73\u8cbb\u983b\u7387\u53ef\u4ee5\u9078\u64c7\u4e00\u6b21\u7e73\u4e00\u5e74\u6216\u662f\u5206\u671f\u7e73\u8cbb\uff0c\u518d\u4f86\u5c31\u544a\u8a34\u4f60\u600e\u9ebc\u7e73\u6bd4\u8f03\u5212\u7b97\uff5e<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_%E4%BF%9D%E8%B2%BB%E5%88%86%E6%9C%9F%EF%BC%9A%E5%96%84%E7%94%A8%E4%BF%A1%E7%94%A8%E5%8D%A1%E5%88%86%E6%9C%9F%EF%BC%90%E5%88%A9%E7%8E%87\"><\/span>1. \u4fdd\u8cbb\u5206\u671f\uff1a\u5584\u7528\u4fe1\u7528\u5361\u5206\u671f\uff10\u5229\u7387<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5982\u679c\u4f60\u60f3\u5206\u671f\u7e73\u4fdd\u8cbb\uff0c\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u4fdd\u6236\u9078\u64c7\u7528\u6bcf\u5e74\u3001\u6bcf\u534a\u5e74\u3001\u6bcf\u5b63\u6216\u6bcf\u6708\u7684\u983b\u7387\u7e73\u4fdd\u8cbb\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5e74\u7e73<\/li>\n\n\n\n<li>\u534a\u5e74\u7e73 = \u5e74\u7e73 x 0.52<\/li>\n\n\n\n<li>\u5b63\u7e73 = \u5e74\u7e73 x 0.282<\/li>\n\n\n\n<li>\u6708\u7e73 = \u5e74\u7e73 x 0.088<\/li>\n<\/ul>\n\n\n\n<p>\u51b0\u96ea\u8070\u660e\u7684\u4f60\u6703\u767c\u73fe\u6708\u7e73\u4e0d\u662f\u5e74\u7e73 \/ 12 \u9019\u9ebc\u7c21\u55ae\uff0c\u6708\u7e73\u52a0\u8d77\u4f86\u5be6\u969b\u6bd4\u5e74\u7e73\u591a\u4ed8\u4e865.6%\u7684\u4fdd\u8cbb\uff0c<strong>\u9664\u4e86\u5e74\u7e73\u4ee5\u5916\uff0c\u5176\u4ed6\u7e73\u5225\u90fd\u6bd4\u8f03\u8cb4<\/strong>\u3002\u65e2\u7136\u77e5\u9053\u5e74\u7e73\u6700\u5212\u7b97\uff0c\u537b\u53c8\u4e0d\u60f3\u8981\u4e00\u6b21\u7e73\u4e00\u6574\u5e74\uff0cFinfo \u5efa\u8b70\u4f7f\u7528\u4fe1\u7528\u5361\u5206\u671f\u96f6\u5229\u7387\u3002<\/p>\n\n\n\n<p><strong>\u4fdd\u8cbb\u9078\u64c7\u6bcf\u5e74\u7e73\uff0c\u7528\u4fe1\u7528\u5361\u7e73\u8cbb\uff0c\u540c\u6642\u642d\u914d\u4fe1\u7528\u5361\u5206\u671f\u96f6\u5229\u7387<\/strong>\uff0c\u5c31\u53ef\u4ee5\u7bc0\u7701\u4fdd\u8cbb\u53c8\u9054\u5230\u5206\u671f\u7e73\u8cbb\u7684\u6548\u679c\u3002\u60f3\u77e5\u9053\u54ea\u4e9b\u4fe1\u7528\u5361\u53ef\u4ee5\u5206\u671f\uff10\u5229\u7387\u55ce\uff1f \u53ef\u4ee5\u5230 Finfo <span style=\"text-decoration: underline;\"><a href=\"https:\/\/finfo.tw\/articles\/toolbox\/credit_card_installment\" target=\"_blank\" rel=\"noreferrer noopener\">\u4fe1\u7528\u5361\u5206\u671f0\u5229\u7387\u6d3b\u52d5\u7e3d\u6574\u7406<\/a><\/span> \u770b\u770b\u81ea\u5df1\u7684\u4fe1\u7528\u5361\u53ef\u4e0d\u53ef\u4ee5\u5206\u671f\u5594\uff01<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_%E4%BF%9D%E8%B2%BB%E6%8A%98%E6%89%A3%EF%BC%9A%E5%96%84%E7%94%A8%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%9A%84%E7%8F%BE%E9%87%91%E5%9B%9E%E9%A5%8B\"><\/span>2. \u4fdd\u8cbb\u6298\u6263\uff1a\u5584\u7528\u4fe1\u7528\u5361\u7684\u73fe\u91d1\u56de\u994b<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u6709\u4e9b\u4fdd\u96aa\u516c\u53f8\u6703\u91dd\u5c0d\u9280\u884c\u81ea\u52d5\u8f49\u5e33\u6216\u81ea\u884c\u7e73\u8cbb\u7d66\u4e88\u4fdd\u8cbb\u6298\u6263\uff0c\u7bc4\u570d\u5728 1-3\uff05 \u8996\u5404\u5bb6\u5546\u54c1\u800c\u5b9a\u3002<\/p>\n\n\n\n<p>\u4fe1\u7528\u5361\u7e73\u8cbb\u96d6\u7136\u6c92\u6709\u4fdd\u8cbb\u6298\u6263\uff0c\u4e0d\u904e\u5f88\u591a\u4fe1\u7528\u5361\u6709\u628a\u7e73\u4fdd\u8cbb\u7d0d\u5165\u7684\u73fe\u91d1\u56de\u994b\u4e4b\u4e2d\uff0c<strong>\u6709\u4e9b\u4fe1\u7528\u5361\u7684\u56de\u994b\u751a\u81f3\u9ad8\u65bc\u4fdd\u96aa\u516c\u53f8\u7d66\u7684\u6298\u6263<\/strong>\uff0c\u7528\u4fe1\u7528\u5361\u53cd\u800c\u6bd4\u8f03\u5212\u7b97\u3002\u60f3\u77e5\u9053\u73fe\u5728\u54ea\u5f35\u5361\u7e73\u4fdd\u8cbb\u6700\u731b\uff0c\u53ef\u4ee5\u770b\u770b Finfo \u7684 <span style=\"text-decoration: underline;\"><a href=\"https:\/\/finfo.tw\/articles\/toolbox\/credit_card_bonus\" target=\"_blank\" rel=\"noreferrer noopener\">\u4fe1\u7528\u5361\u6700\u5f37\u56de\u994b\u6392\u884c\u699c<\/a><\/span>\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u65b0\u751f\u5152\u4fdd\u96aa\u5f80\u5f80\u90fd\u662f\u65b0\u624b\u7238\u5abd\u6700\u982d\u75db\u7684\u554f\u984c\uff0c\u7167\u8457\u696d\u52d9\u89aa\u53cb\u7684\u5efa\u8b70\u4e5f\u6703\u64d4\u5fc3\u4e0d\u7b26\u5408\u9700\u6c42\uff0cFinfo \u5e6b\u65b0\u624b\u7238\u5abd\u5011\u5c07\u898f\u5283\u7684\u91cd\u9ede\u5168\u90e8\u6574\u7406\u51fa\u4f86\uff0c\u7c21\u55ae\u7684\u6b65\u9a5f\u4fbf\u53ef\u4ee5\u7528\u5c11\u5c11\u7684\u4fdd\u8cbb\u8cb7\u5230\u6700\u9ad8\u7684\u4fdd\u969c\uff0c\u60f3\u627e\u65b0\u751f\u5152\u4fdd\u96aa\u76f8\u95dc\u7684\u8cc7\u8a0a\u770b\u9019\u7bc7\u5c31\u5c0d\u4e86\uff01<\/p>\n","protected":false},"author":4,"featured_media":3021,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_finfo_faq_schema":"","_yoast_wpseo_focuskw":"\u65b0\u751f\u5152\u4fdd\u96aa","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"\u65b0\u751f\u5152\u4fdd\u96aa\u5f80\u5f80\u90fd\u662f\u65b0\u624b\u7238\u5abd\u6700\u982d\u75db\u7684\u554f\u984c\uff0c\u7167\u8457\u696d\u52d9\u89aa\u53cb\u7684\u5efa\u8b70\u4e5f\u6703\u64d4\u5fc3\u4e0d\u7b26\u5408\u9700\u6c42\uff0cFinfo 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