{"id":8067,"date":"2026-02-03T00:53:45","date_gmt":"2026-02-02T16:53:45","guid":{"rendered":"https:\/\/www.syfe.com\/hk\/magazine\/?p=8067"},"modified":"2026-02-16T12:47:14","modified_gmt":"2026-02-16T04:47:14","slug":"ai-%e6%a6%82%e5%bf%b5-%e8%82%a1","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/ai-%e6%a6%82%e5%bf%b5-%e8%82%a1\/","title":{"rendered":"AI\u6982\u5ff5\u80a1\u5730\u5716\uff5c\u7531\u9ec3\u4ec1\u52f35\u5c64\u86cb\u7cd5\u7406\u8ad6\u51fa\u767c \u62c6\u89e3\u842c\u5104\u7f8e\u5143\u5546\u6a5f"},"content":{"rendered":"\n<p>\u81eaChatGPT\u6a6b\u7a7a\u51fa\u4e16\u4ee5\u4f86\uff0c\u4e0d\u8ad6\u662f\u7f8e\u570b\u6291\u6216\u9999\u6e2f\u80a1\u7968\u5e02\u5834\u7684\u4e0a\u5e02\u516c\u53f8\u90fd\u6703\u76e1\u529b\u5f37\u8abf\u81ea\u8eab\u8207AI\u7522\u696d\u93c8\u7684\u95dc\u806f\u3002\u8207\u5176\u7b49\u5f85\u5c08\u5bb6\u63a8\u85a6AI\u6982\u5ff5\u80a1\uff0c\u5012\u4e0d\u5982\u85c9\u8457<a href=\"https:\/\/www.nvidia.com\/en-sg\/\">NVIDIA<\/a>\uff08NVDA\uff09\u5275\u8fa6\u4eba\u9ec3\u4ec1\u52f3\u57282026\u5e74\u521d\u63d0\u51faAI\u7522\u696d\u7684\u300c5\u5c64\u86cb\u7cd5\u7406\u8ad6\u300d\uff0c\u5728\u6574\u500bAI\u57fa\u790e\u7522\u696d\u93c8\u4e2d\u5c0b\u627e\u6700\u9069\u5408\u81ea\u8eab\u6295\u8cc7\u7406\u5ff5\u7684AI\u6982\u5ff5\u80a1\u3002<\/p>\n\n\n\t\t\t\t<div class=\"wp-block-uagb-table-of-contents uagb-toc__align-left uagb-toc__columns-1  uagb-block-80bb62d2      \"\n\t\t\t\t\tdata-scroll= \"1\"\n\t\t\t\t\tdata-offset= \"30\"\n\t\t\t\t\tstyle=\"\"\n\t\t\t\t>\n\t\t\t\t<div class=\"uagb-toc__wrap\">\n\t\t\t\t\t\t<div class=\"uagb-toc__title\">\n\t\t\t\t\t\t\t\u89e3\u69cbAI\u6982\u5ff5\u80a1\uff5c\u9ec3\u4ec1\u52f3\u7684\u300c\u4e94\u5c64\u86cb\u7cd5\u7406\u8ad6\u300d\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uagb-toc__list-wrap \">\n\t\t\t\t\t\t<ol class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u89e3\u69cbai\u6982\u5ff5\u80a1\u9ec3\u4ec1\u52f3\u7684\u4e94\u5c64\u86cb\u7cd5\u7406\u8ad6\" class=\"uagb-toc-link__trigger\">\u89e3\u69cbAI\u6982\u5ff5\u80a1\uff5c\u9ec3\u4ec1\u52f3\u7684\u300c\u4e94\u5c64\u86cb\u7cd5\u7406\u8ad6\u300d<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#ai\u6982\u5ff5\u80a1\u65b9\u5411\u80fd\u6e90\" class=\"uagb-toc-link__trigger\">AI\u6982\u5ff5\u80a1\u65b9\u5411\uff0d\u80fd\u6e90<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#ai\u6982\u5ff5\u80a1\u65b9\u5411\u6676\u7247\u8207\u904b\u7b97\" class=\"uagb-toc-link__trigger\">AI\u6982\u5ff5\u80a1\u65b9\u5411\uff0d\u6676\u7247\u8207\u904b\u7b97<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#ai\u6982\u5ff5\u80a1\u65b9\u5411\u96f2\u7aef\u8207\u57fa\u790e\u8a2d\u65bd-\u8edf\u9ad4\u57fa\u790e\" class=\"uagb-toc-link__trigger\">AI\u6982\u5ff5\u80a1\u65b9\u5411\uff0d\u96f2\u7aef\u8207\u57fa\u790e\u8a2d\u65bd \/ \u8edf\u9ad4\u57fa\u790e<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#ai\u6982\u5ff5\u80a1\u65b9\u5411ai\u6a21\u578b\" class=\"uagb-toc-link__trigger\">AI\u6982\u5ff5\u80a1\u65b9\u5411\uff0dAI\u6a21\u578b<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#ai\u6982\u5ff5\u80a1\u65b9\u5411ai\u61c9\u7528\" class=\"uagb-toc-link__trigger\">AI\u6982\u5ff5\u80a1\u65b9\u5411\uff0dAI\u61c9\u7528<\/a><\/ul><\/ol>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\n\n\n<h2 class=\"wp-block-heading\">\u89e3\u69cbAI\u6982\u5ff5\u80a1\uff5c\u9ec3\u4ec1\u52f3\u7684\u300c\u4e94\u5c64\u86cb\u7cd5\u7406\u8ad6\u300d<\/h2>\n\n\n\n<p>2026\u5e74\u9054\u6c83\u65af\u4e16\u754c\u7d93\u6fdf\u8ad6\u58c7\uff08<a href=\"https:\/\/www.weforum.org\/\">World Economic Forum<\/a>, WEF\uff09\u671f\u9593\uff0c\u9ec3\u4ec1\u52f3\u63d0\u5230AI\u4eba\u5de5\u667a\u80fd\u6b63\u5728\u5f15\u767c\u300c\u4eba\u985e\u53f2\u4e0a\u6700\u5927\u898f\u6a21\u7684\u57fa\u790e\u5efa\u8a2d\u300d\uff0c\u5f37\u8abfAI\u4e26\u975e\u55ae\u4e00\u6280\u8853\uff0c\u800c\u662f\u4e00\u6574\u500b\u7531\u4e0b\u5230\u4e0a\u7684\u57fa\u790e\u5efa\u8a2d\u5806\u758a\uff0c\u5c07\u6574\u500bAI\u7522\u696d\u93c8\u5f62\u5bb9\u70ba\u4e00\u500b\u300c\u4e94\u5c64\u86cb\u7cd5\u300d\uff08<a href=\"https:\/\/blogs.nvidia.com\/blog\/davos-wef-blackrock-ceo-larry-fink-jensen-huang\/\">five-layer cake<\/a>\uff09\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u80fd\u6e90\uff08Energy\uff09<\/li>\n\n\n\n<li>\u6676\u7247\u8207\u904b\u7b97\uff08Chips &amp; Computing\uff09<\/li>\n\n\n\n<li>\u96f2\u7aef\u8207\u57fa\u790e\u8a2d\u65bd \/ \u8edf\u9ad4\u57fa\u790e\uff08Cloud &amp; Infrastructure \/ Software Stack\uff09<\/li>\n\n\n\n<li>AI \u6a21\u578b\uff08AI Models\uff09<\/li>\n\n\n\n<li>\u61c9\u7528\uff08Applications\uff09<\/li>\n<\/ul>\n\n\n\n<p>\u5373\u4f7f\u7d93\u6fdf\u50f9\u503c\u4e3b\u8981\u5728\u6700\u4e0a\u9762\u7684\u300c\u61c9\u7528\u5c64\u300d\u5be6\u73fe\uff0c\u4f46\u8981\u6709\u9019\u4e00\u5c64\uff0c\u4e0b\u9762\u56db\u5c64\u5fc5\u9808\u7838\u4e0b\u300c\u6578\u5146\u7f8e\u5143\u300d\u7684\u6295\u8cc7\u53bb\u92ea\u8def\u624d\u80fd\u5be6\u73fe\uff0c\u800c\u5efa\u57fa\u65bc\u4e94\u5c64\u7684AI\u7522\u696d\u5f7c\u6b64\u76f8\u4f9d\uff0c\u6240\u4ee5AI\u7684\u5efa\u8a2d\u898f\u6a21\u5c07\u662f\u4eba\u985e\u53f2\u4e0a\u6700\u5927\u898f\u6a21\u7684\u57fa\u790e\u5efa\u8a2d\u8a08\u756b\u3002<\/p>\n\n\n\n<p><strong>\u66f4\u591a<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/tag\/%E8%82%A1%E7%A5%A8%E6%8A%95%E8%B3%87%E5%85%A5%E9%96%80\/\"><strong>\u80a1\u7968\u6295\u8cc7\u5165\u9580<\/strong><\/a><strong>\u6982\u5ff5\uff1a<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e7%a2%8e-%e8%82%a1\/\"><strong>\u788e\u80a1<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%88%e8%82%a1-%e4%be%9b%e8%82%a1-%e6%8b%86%e8%82%a1-%e6%84%8f%e6%80%9d\/\"><strong>\u5408\u80a1<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%88%e8%82%a1-%e4%be%9b%e8%82%a1-%e6%8b%86%e8%82%a1-%e6%84%8f%e6%80%9d\/\"><strong>\u4f9b\u80a1<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%88%e8%82%a1-%e4%be%9b%e8%82%a1-%e6%8b%86%e8%82%a1-%e6%84%8f%e6%80%9d\/\"><strong>\u62c6\u80a1<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/?p=7078\"><strong>\u725b\u5e02<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/?p=7078\"><strong>\u718a\u5e02<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e6%8f%9b-%e6%89%8b-%e7%8e%87-turnover-rate-%e6%84%8f%e6%80%9d\/\"><strong>\u63db\u624b\u7387<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%bb%91-%e6%9c%9f\/\"><strong>\u9ed1\u671f<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e6%81%86%e6%8c%87-%e6%81%92%e6%8c%87-%e6%b8%af%e8%82%a1-hsi-%e5%a4%9c%e6%9c%9f-adr-%e9%a0%90%e6%89%98%e8%ad%89%e5%88%b8\/\"><strong>\u591c\u671f<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e7%be%8e%e5%9c%8b-%e9%a0%90%e8%a8%97-%e8%ad%89%e5%88%b8-%e8%8b%b1%e6%96%87-adr-%e6%84%8f%e6%80%9d-%e5%83%b9%e6%a0%bc-%e6%b8%af%e8%82%a1-%e5%8f%83%e8%80%83-%e5%83%b9%e5%80%bc\/\"><strong>\u9810\u8a17\u8a3c\u5238<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e7%99%bc-%e9%88%94-%e9%8a%80%e8%a1%8c\/\"><strong>\u767c\u9214\u9280\u884c<\/strong><\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e8%82%a1%e7%a5%a8-%e5%81%9c%e7%89%8c\/\">\u80a1\u7968\u505c\u724c<\/a><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/ai-\u6982\u5ff5-\u80a1-1024x576.png\" alt=\"\" class=\"wp-image-8068\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/ai-\u6982\u5ff5-\u80a1-1024x576.png 1024w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/ai-\u6982\u5ff5-\u80a1-300x169.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/ai-\u6982\u5ff5-\u80a1-768x432.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/ai-\u6982\u5ff5-\u80a1-1536x864.png 1536w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/ai-\u6982\u5ff5-\u80a1-747x420.png 747w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/ai-\u6982\u5ff5-\u80a1-696x392.png 696w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/ai-\u6982\u5ff5-\u80a1-1068x601.png 1068w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/ai-\u6982\u5ff5-\u80a1.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">AI\u6982\u5ff5\u80a1\u65b9\u5411\uff0d\u80fd\u6e90<\/h3>\n\n\n\n<p>\u9ec3\u4ec1\u52f3\u5c07\u80fd\u6e90\uff08Energy\uff09\u63cf\u8ff0\u6210AI\u7684\u5730\u57fa\uff0c\u5305\u62ec\u96fb\u529b\u3001\u571f\u5730\u3001\u8b8a\u96fb\u8207\u8f38\u96fb\u80fd\u529b\uff0c\u751a\u81f3\u662f\u80fd\u5426\u5728\u7576\u5730\u5feb\u901f\u5efa\u8a2d\u96fb\u5ee0\u3002\u56e0\u70ba\u751f\u6210\u5f0fAI\u3001AI\u4ee3\u7406\u3001\u4ee5\u81f3\u7269\u7406AI\u6a5f\u5668\u4eba\uff0c\u90fd\u9700\u8981\u9577\u6642\u9593\u5728\u7dda\u904b\u4f5c\uff0c\u610f\u5473\u7740\u6578\u64da\u4e2d\u5fc3\u8981\u9577\u671f\u9700\u8981\u9ad8\u529f\u7387\u7684\u96fb\u529b \u3002<\/p>\n\n\n\n<p>\u5982\u679c\u6c92\u6709\u7a69\u5b9a\u4e14\u5927\u91cf\u7684\u96fb\u529b\uff0c\u9918\u4e0b\u56db\u5c64AI\u7522\u696d\u90fd\u53ea\u662f\u7d19\u4e0a\u8ac7\u5175\u3002\u76ee\u524d\u4e2d\u570b\u7684\u767c\u96fb\u80fd\u529b\u7e3d\u91cf\u5927\u65bc\u7f8e\u570b\uff0c\u5efa\u96fb\u5ee0\u8207\u5927\u578b\u516c\u5171\u5de5\u7a0b\u7684\u901f\u5ea6\u4e5f\u66f4\u5feb\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">AI\u6982\u5ff5\u80a1\u65b9\u5411\uff0d\u6676\u7247\u8207\u904b\u7b97<\/h3>\n\n\n\n<p>\u85c9\u8457\u534a\u5c0e\u9ad4\uff0c\u96fb\u529b\u8f49\u5316\u70ba\u767c\u5c55AI\u9700\u8981\u7684\u300c\u7b97\u529b\u300d\uff1a\u6240\u6709 AI 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class=\"wp-block-heading\">AI\u6982\u5ff5\u80a1\u65b9\u5411\uff0d\u96f2\u7aef\u8207\u57fa\u790e\u8a2d\u65bd \/ \u8edf\u9ad4\u57fa\u790e<\/h3>\n\n\n\n<p>\u96f2\u7aef\u8207\u57fa\u790e\u8a2d\u65bd \/ \u8edf\u9ad4\u57fa\u790e\u662f\u300c5\u5c64\u86cb\u7cd5\u7406\u8ad6\u300d\u4e2d\u76f8\u5c0d\u70ba\u4eba\u5ffd\u7565\u7684\u4e00\u5c64\uff0c\u4e3b\u8981\u4f5c\u7528\u662f\u6210\u5343\u4e0a\u842c\u9846\u6676\u7247\u80fd\u50cf\u4e00\u53f0\u96fb\u8166\u90a3\u6a23\u5354\u540c\u5de5\u4f5c\u3002<\/p>\n\n\n\n<p>\u4f8b\u5982\u4f01\u696d\u81ea\u5efa\u6216\u96fb\u4fe1\u5546\u7684AI\u6578\u64da\u4e2d\u5fc3\u9700\u8981\u8a2d\u8a08\u6a5f\u623f\u3001\u96fb\u529b\u4f9b\u61c9\u3001\u51b7\u537b\u8a2d\u5099\u3001\u5149\u7e96\u8207\u9aa8\u5e79\u7db2\u8def\u7b49\u5be6\u9ad4\u8a2d\u5099\uff0c\u4ea6\u9700\u8981\u7cfb\u7d71\u8edf\u9ad4\u53bb\u5171\u540c\u69cb\u6210\u5927\u898f\u6a21AI\u5e73\u53f0\u7684\u904b\u884c\u74b0\u5883\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">AI\u6982\u5ff5\u80a1\u65b9\u5411\uff0dAI\u6a21\u578b<\/h3>\n\n\n\n<p>\u5404\u7a2eAI\u6a21\u578b\u7121\u7591\u662f\u8fd1\u5e74AI\u6982\u5ff5\u80a1\u7092\u4f5c\u6700\u53d7\u95dc\u6ce8\u7684\u4e00\u74b0\uff0c\u7531\u901a\u7528\u57fa\u790e\u6a21\u578b\u3001\u591a\u6a21\u614b\u6a21\u578b\u3001\u7d30\u5206\u9818\u57df\u5c08\u7528\u6a21\u578b\u7b49\u3002\u76ee\u524d\u80a1\u7968\u5e02\u5834\u7684\u7d14AI\u6a21\u578b\u4e0a\u5e02\u516c\u53f8\u5c11\u4e4b\u53c8\u5c11\uff0c\u4f8b\u5982\u6e2f\u80a1\u4e0a\u5e02\u7684MiniMax\uff081100\uff09\uff0c\u800cChatGPT\u80cc\u5f8c\u7684OpenAI \u4ecd\u662f\u672a\u4e0a\u5e02\u516c\u53f8\u3002<\/p>\n\n\n\n<p>\u4e0d\u904e\uff0c\u7d9c\u5408\u5916\u5a92\u8207\u77e5\u60c5\u4eba\u58eb\u900f\u9732\uff0c<a href=\"https:\/\/openai.com\/zh-Hant\/\">OpenAI<\/a>\u5df2\u7d93\u5728\u548c\u5927\u578b\u5f8b\u6240\u3001\u6295\u884c\u63a5\u89f8\uff0c\u8655\u65bc<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/ipo-%E6%96%B0%E8%82%A1-%E4%B8%8A%E5%B8%82-%E6%84%8F%E6%80%9D\/\">\u65b0\u80a1IPO<\/a>\u6e96\u5099\u7684\u65e9\u671f\u968e\u6bb5\uff0c\u5176\u7af6\u722d\u5c0d\u624bAnthropic\u4ea6\u5df2\u958b\u59cb\u8207\u6295\u8cc7\u9280\u884c\u8207\u6cd5\u5f8b\u9867\u554f\u9032\u884c\u975e\u6b63\u5f0f\u78cb\u5546\uff0c\u4e26\u8058\u8acb\u5f8b\u5e2b\u4e8b\u52d9\u6240\u5c55\u958b\u4e0a\u5e02\u524d\u7f6e\u5de5\u4f5c\u3002<\/p>\n\n\n\n<p>\u53e6\u5916\uff0c\u8a31\u591a\u4e2d\u7f8e\u79d1\u6280\u5de8\u4f01\u4ea6\u5404\u81ea\u958b\u767cAI\u6a21\u578b\uff0c\u4f8b\u5982\u8fd1\u671fGemini\u7b49\u591a\u6a21\u614b\u5927\u6a21\u578b\u80cc\u5f8c\u7684Alphabet\uff08GOOGL \/ GOOG\uff09\u3001Meta\uff08META\uff09\u65d7\u4e0b\u7684Llama\u7cfb\u5217\u958b\u6e90\u6a21\u578b\u3001\u767e\u5ea6\uff089888\uff09\u7684\u6587\u5fc3\u4e00\u8a00\u7b49\u7cfb\u5217\u5927\u6a21\u578b\u3001\u963f\u91cc\u5df4\u5df4\uff089988\uff09\u7684\u901a\u7fa9\u5343\u554f\u7b49\u6a21\u578b\u7b49\uff0c\u4e0d\u904e\u9019\u4e9b\u516c\u53f8\u8a31\u591a\u4e5f\u6709\u96f2\u8207\u61c9\u7528\u696d\u52d9\uff0c\u96e3\u4ee5\u5b8c\u5168\u5206\u5272\u51faAI\u6a21\u578b\u4f5c\u7368\u7acb\u4f30\u503c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">AI\u6982\u5ff5\u80a1\u65b9\u5411\uff0dAI\u61c9\u7528<\/h3>\n\n\n\n<p>\u9ec3\u4ec1\u52f3\u5f37\u8abfAI\u7522\u696d\u7684\u771f\u6b63\u6536\u5165\u8207\u751f\u7522\u529b\u63d0\u5347\u6703\u96c6\u4e2d\u5728\u61c9\u7528\u5c64\u9762\uff0c\u5373\u91d1\u878d\u3001\u91ab\u7642\u3001\u88fd\u9020\u7b49\u5404\u884c\u5404\u696d\u4f01\u696d\u5229\u7528 AI 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href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E5%90%8C%E7%AD%89%E4%BF%9D%E9%9A%9C%E4%B8%8B%E6%8F%90%E5%8D%87%E6%8A%95%E8%B3%87%E5%9B%9E%E5%A0%B1%EF%BC%9Abuy-term-invest-the-rest%E7%AD%96%E7%95%A5%E8%A9%B3%E8%A7%A3\/\">Buy Term, Invest the 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