{"id":8136,"date":"2026-06-02T20:44:52","date_gmt":"2026-06-02T12:44:52","guid":{"rendered":"https:\/\/www.syfe.com\/hk\/magazine\/?p=8136"},"modified":"2026-05-07T15:12:50","modified_gmt":"2026-05-07T07:12:50","slug":"%e7%b6%93%e6%bf%9f-%e8%95%ad%e6%a2%9d-2","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e7%b6%93%e6%bf%9f-%e8%95%ad%e6%a2%9d-2\/","title":{"rendered":"\u9999\u6e2f\u9280\u884c\u9ad4\u7cfb\u300c\u58d3\u8259\u77f3\u300d\uff1a\u6e90\u81ea\u9280\u884c\u5012\u9589\/\u64e0\u63d0\u7684\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283"},"content":{"rendered":"\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\/02\/\u9999\u6e2f-\u9280\u884c-\u5b58\u6b3e-\u4fdd\u969c-\u8a08\u5283-\u64e0\u63d0-\u5012\u9589-1024x576.png\" alt=\"\" class=\"wp-image-8137\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u9999\u6e2f-\u9280\u884c-\u5b58\u6b3e-\u4fdd\u969c-\u8a08\u5283-\u64e0\u63d0-\u5012\u9589-1024x576.png 1024w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u9999\u6e2f-\u9280\u884c-\u5b58\u6b3e-\u4fdd\u969c-\u8a08\u5283-\u64e0\u63d0-\u5012\u9589-300x169.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u9999\u6e2f-\u9280\u884c-\u5b58\u6b3e-\u4fdd\u969c-\u8a08\u5283-\u64e0\u63d0-\u5012\u9589-768x432.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u9999\u6e2f-\u9280\u884c-\u5b58\u6b3e-\u4fdd\u969c-\u8a08\u5283-\u64e0\u63d0-\u5012\u9589-1536x864.png 1536w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u9999\u6e2f-\u9280\u884c-\u5b58\u6b3e-\u4fdd\u969c-\u8a08\u5283-\u64e0\u63d0-\u5012\u9589-747x420.png 747w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u9999\u6e2f-\u9280\u884c-\u5b58\u6b3e-\u4fdd\u969c-\u8a08\u5283-\u64e0\u63d0-\u5012\u9589-696x392.png 696w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u9999\u6e2f-\u9280\u884c-\u5b58\u6b3e-\u4fdd\u969c-\u8a08\u5283-\u64e0\u63d0-\u5012\u9589-1068x601.png 1068w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/02\/\u9999\u6e2f-\u9280\u884c-\u5b58\u6b3e-\u4fdd\u969c-\u8a08\u5283-\u64e0\u63d0-\u5012\u9589.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u9999\u6e2f\u9280\u884c\u696d\u7684\u76e3\u7ba1\u6f14\u8b8a\u8ecc\u8de1\u53cd\u6620\u51fa\u91d1\u878d\u884c\u696d\u7684\u9032\u5316\u3002\u904e\u53bb\u6578\u5341\u5e74\u591a\u6b21\u7684\u9280\u884c\u64e0\u63d0\u53ca\u5012\u9589\u5371\u6a5f\uff0c\u9010\u6b65\u4fc3\u4f7f\u6e2f\u5e9c\u5f9e\u88ab\u52d5\u61c9\u5c0d\u5371\u6a5f\u8f49\u5411\u4e3b\u52d5\u98a8\u96aa\u7ba1\u7406\uff0c\u4ee4\u5b58\u6b3e\u4fdd\u969c\u5236\u5ea6\uff08\u82f1\u6587\uff1aDeposit Protection Scheme\uff0c DPS\uff09\u5f97\u4ee5\u78ba\u7acb\u3002\u672c\u6587\u6574\u7406\u9999\u6e2f\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\u7684\u8a95\u751f\u6642\u5e8f\u3001\u6cd5\u5f8b\u67b6\u69cb\u53ca\u5b58\u6b3e\u4fdd\u969c\u91d1\u984d\u7684\u8b8a\u5316\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-bcdd7512      \"\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\u9999\u6e2f\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\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=\"#\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\u6e90\u8d77-\u570b\u5546\u9280\u884c\u5012\u9589\u78ba\u7acb\u5b58\u6236\u512a\u5148\u7d22\u511f\u5236\u5ea6\" class=\"uagb-toc-link__trigger\">\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\u6e90\u8d77 &#8211; \u570b\u5546\u9280\u884c\u5012\u9589\u78ba\u7acb\u5b58\u6236\u512a\u5148\u7d22\u511f\u5236\u5ea6<\/a><li class=\"uagb-toc__list\"><a href=\"#1997\u5e74\u4e9e\u6d32\u91d1\u878d\u98a8\u66b4\u4fc3\u4f7f\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\u8a95\u751f\" class=\"uagb-toc-link__trigger\">1997\u5e74\u4e9e\u6d32\u91d1\u878d\u98a8\u66b4\u4fc3\u4f7f\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\u8a95\u751f<\/a><li class=\"uagb-toc__list\"><a href=\"#\u9280\u884c\u5b58\u6b3e\u4fdd\u969c\u7684\u6700\u521d\u67b6\u69cb\u8207\u7279\u9ede\" class=\"uagb-toc-link__trigger\">\u9280\u884c\u5b58\u6b3e\u4fdd\u969c\u7684\u6700\u521d\u67b6\u69cb\u8207\u7279\u9ede<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\u6301\u7e8c\u512a\u5316-2\u5ea6\u63d0\u5347\u5b58\u6b3e\u4fdd\u969c-\u6700\u65b0\u52a0\u81f380\u842c\" class=\"uagb-toc-link__trigger\">\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\u6301\u7e8c\u512a\u5316 &#8211; 2\u5ea6\u63d0\u5347\u5b58\u6b3e\u4fdd\u969c \u6700\u65b0\u52a0\u81f380\u842c<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u7279\u6b8a\u6642\u671f\u7684\u5b58\u6b3e\u4fdd\u969c-\u91d1\u878d\u5371\u6a5f\u671f\u9593\u767e\u5206\u767e\u5b58\u6b3e\u4fdd\u969c\" class=\"uagb-toc-link__trigger\">\u7279\u6b8a\u6642\u671f\u7684\u5b58\u6b3e\u4fdd\u969c &#8211; \u91d1\u878d\u5371\u6a5f\u671f\u9593\u300c\u767e\u5206\u767e\u5b58\u6b3e\u4fdd\u969c\u300d<\/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\">\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\u6e90\u8d77 &#8211; \u570b\u5546\u9280\u884c\u5012\u9589\u78ba\u7acb\u5b58\u6236\u512a\u5148\u7d22\u511f\u5236\u5ea6<\/h2>\n\n\n\n<p>\u4e8c\u6230\u5f8c\u9999\u6e2f\u5012\u9589\u7684\u9280\u884c\u591a\u5c6c\u7d93\u71df\u4e0d\u5584\u6216\u7121\u6cd5\u627f\u53d7\u5e02\u5834\u6050\u614c\u60c5\u7dd2\uff0c\u4f8b\u59821965\u5e74\u300c\u77ed\u501f\u9577\u8cb8\u300d\u7684\u7d50\u69cb\u6027\u7f3a\u9677\u5c0e\u81f4\u660e\u5fb7\u9280\u865f\u7834\u7522\u3001\u64e0\u63d0\u6f6e\u4e0b\u5ee3\u6771\u4fe1\u8a17\u5546\u696d\u9280\u884c\u7dca\u63a5\u5012\u9589\u30011983\u5e74\u56e0\u5167\u90e8\u8150\u6557\u800c\u5d29\u6f70\u7684\u6046\u9686\u9280\u884c\u7b49\u3002<\/p>\n\n\n\n<p>\u7576\u6642\u7531\u65bc\u9999\u6e2f\u9280\u884c\u696d\u7f3a\u4e4f\u5b58\u6b3e\u4fdd\u969c\u6a5f\u5236\uff0c\u9280\u884c\u4e00\u65e6\u7d50\u696d\u6216\u7834\u7522\uff0c\u5b58\u6236\u7684\u5b58\u6b3e\u5c31\u6703\u8b8a\u6210\u9280\u884c\u8cc7\u7522\u6e05\u7b97\u4e2d\u7684\u300c\u666e\u901a\u50b5\u6b0a\u300d\uff0c\u76e3\u7ba1\u6a5f\u69cb\u6216\u6e05\u76e4\u4eba\u63a5\u7ba1\u9280\u884c\u8cc7\u7522\uff0c\u76e4\u9ede\u5176\u8cc7\u7522\u8207\u8ca0\u50b5\uff0c\u518d\u6309\u6cd5\u5f8b\u7a0b\u5e8f\u9032\u884c\u7834\u7522\u6e05\u7b97\u3002\u7531\u65bc\u666e\u901a\u9280\u884c\u5b58\u6236\u53ea\u662f\u773e\u591a\u50b5\u6b0a\u4eba\u4e4b\u4e00\uff0c\u82e5\u679c\u9280\u884c\u8cc7\u7522\u4e0d\u8db3\u4ee5\u511f\u9084\u6240\u6709\u50b5\u52d9\uff0c\u5b58\u6236\u5f80\u5f80\u53ea\u80fd\u6309\u6bd4\u4f8b\u6536\u56de\u90e8\u5206\u5b58\u6b3e\uff0c\u751a\u81f3\u6709\u6a5f\u6703\u8840\u672c\u7121\u6b78;\u540c\u6642\u6e05\u76e4\u7a0b\u5e8f\u66e0\u65e5\u6301\u4e45\uff0c\u5b58\u6236\u9700\u8981\u82e6\u7b49\u591a\u5e74\u624d\u53ef\u4ee5\u53d6\u56de\u8cc7\u7522\u3002<\/p>\n\n\n\n<p>\u81f31991\u5e74\u570b\u5546\u9280\u884c\u5012\u9589\u4e8b\u4ef6\u6210\u70ba\u95dc\u9375\u8f49\u6298\u9ede\u3002\u7576\u5e747\u6708\uff0c\u7e3d\u90e8\u4f4d\u65bc\u76e7\u68ee\u5821\u7684\u570b\u969b\u5546\u696d\u4fe1\u8cb8\u9280\u884c\u56e0\u6d89\u6d89\u53ca\u5927\u898f\u6a21\u8ca1\u52d9\u9020\u5047\u3001\u6d17\u9ed1\u9322\u53ca\u9055\u898f\u64cd\u4f5c\u88ab\u6b50\u7f8e\u591a\u570b\u76e3\u7ba1\u6a5f\u69cb\u806f\u5408\u67e5\u5c01\uff0c\u5176\u5728\u9999\u6e2f\u5b50\u516c\u53f8\u9999\u6e2f\u570b\u969b\u5546\u696d\u4fe1\u8cb8\u9280\u884c\uff08\u9999\u6e2f\u570b\u5546\u9280\u884c\uff09\u4ea6\u96a8\u5373\u505c\u696d\u3002<\/p>\n\n\n\n<p>\u7531\u65bc\u4e8b\u767c\u524d\u6578\u5929\uff0c\u9280\u884c\u696d\u76e3\u7406\u8655\uff08\u91d1\u7ba1\u5c40\u524d\u8eab\u4e4b\u4e00\uff09\u66fe\u516c\u958b\u8868\u793a\u9999\u6e2f\u570b\u5546\u9280\u884c\u8ca1\u653f\u5065\u5eb7\uff0c\u5c0e\u81f4\u5927\u91cf\u5b58\u6236\u672a\u6709\u63d0\u53d6\u8cc7\u91d1\uff0c\u6fc0\u8d77\u516c\u773e\u61a4\u6168\u3001\u5927\u6279\u5b58\u6236\u4e0a\u8857\u6297\u8b70\uff0c\u4e26\u5f15\u767c\u5c0d\u5176\u4ed6\u672c\u5730\u9280\u884c\u7684\u8b20\u8a00\uff0c\u591a\u9593\u9280\u884c\u51fa\u73fe\u64e0\u63d0\u60c5\u6cc1\u3002\u70ba\u5e73\u606f\u793e\u6703\u52d5\u76ea\uff0c\u653f\u5e9c\u5176\u5f8c\u900f\u904e\u4fee\u8a02\u76f8\u95dc\u6e05\u76e4\u53ca\u9280\u884c\u6cd5\u4f8b\uff0c\u5f15\u5165\u6709\u9650\u5ea6\u7684\u5b58\u6236\u512a\u5148\u7d22\u511f\u5b89\u6392\uff08\u4e0a\u9650\u70ba10\u842c\u6e2f\u5143\uff09\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1997\u5e74\u4e9e\u6d32\u91d1\u878d\u98a8\u66b4\u4fc3\u4f7f\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\u8a95\u751f<\/h2>\n\n\n\n<p>\u5728\u91d1\u878d\u98a8\u66b4\u7684\u9ad8\u5cf0\u671f\uff0c\u5e02\u5834\u50b3\u51fa\u95dc\u65bc\u6e2f\u57fa\u570b\u969b\u9280\u884c\uff08\u8ca1\u653f\u4e0d\u7a69\uff0c\u5404\u5206\u884c\u8fc5\u901f\u51fa\u73fe\u63d0\u6b3e\u4eba\u9f8d\u3002\u96d6\u7136\u64e0\u63d0\u4e8b\u4ef6\u5728\u9999\u6e2f\u653f\u5e9c\u3001\u91d1\u7ba1\u5c40\u53ca<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E7%99%BC-%E9%88%94-%E9%8A%80%E8%A1%8C\/\">\u767c\u9214\u9280\u884c<\/a>\u806f\u624b\u4e0b\u8fc5\u901f\u88ab\u5e73\u606f\uff0c\u4f46\u5e02\u5834\u6050\u614c\u60c5\u7dd2\u8db3\u4ee5\u7671\u7613\u55ae\u4e00\u6a5f\u69cb\uff0c\u4ee4\u91d1\u7ba1\u5c40\u57281998\u5e74\u8058\u8acb\u9867\u554f\uff0c\u91cd\u65b0\u8a55\u4f30\u63a8\u884c\u660e\u78ba\u5b58\u6b3e\u4fdd\u969c\u5b89\u6392\u7684\u5fc5\u8981\u6027\uff0c\u4e26\u6700\u7d42\u4fc3\u6210\u4e86\u5b58\u4fdd\u8a08\u5283\u7684\u7acb\u6cd5\u7a0b\u5e8f\u3002<\/p>\n\n\n\n<p>\u66f4\u591a\u9280\u884c\u696d\u8cc7\u8a0a\uff1a<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e6%9c%80-%e5%84%aa%e6%83%a0-%e5%88%a9%e7%8e%87\/\">\u6700\u512a\u60e0\u5229\u7387<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e7%99%bc-%e9%88%94-%e9%8a%80%e8%a1%8c\/\">\u767c\u9214\u9280\u884c<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%8a%80%e8%a1%8c-%e7%b7%a8%e8%99%9f-%e4%bb%a3%e7%a2%bc\/\">\u9280\u884c\u7de8\u865f<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e4%bf%9d%e9%9a%aa%e7%ae%b1-%e9%8a%80%e8%a1%8c-%e6%af%94%e8%bc%83-%e6%81%92%e7%94%9f-%e5%8c%af%e8%b1%90-%e4%b8%ad%e5%9c%8b-%e4%ba%a4%e9%80%9a-%e6%94%b6%e8%b2%bb\/\">\u9280\u884c\u4fdd\u96aa\u7bb1<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e6%b8%af%e5%85%83-%e5%ae%9a%e6%9c%9f-%e5%ad%98%e6%ac%be\/\">\u6e2f\u5143\u5b9a\u5b58<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/usd-time-deposit\/\"><strong>\u7f8e\u5143\u5b9a\u5b58<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/2025%e5%b9%b46%e6%9c%88%ef%bc%9a%e9%a6%99%e6%b8%af%e4%ba%ba%e6%b0%91%e5%b9%a3%e5%ae%9a%e6%9c%9f%e5%ad%98%e6%ac%be%e6%9c%80%e9%ab%98%e5%88%a9%e7%8e%87%e4%b8%80%e8%a6%bd-%e6%b8%af%e5%85%83%e5%ae%9a\/\"><strong>\u4eba\u6c11\u5e63<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/best-usd-time-deposit-rate-hong-kong\/\"><strong>USD Fixed Deposit Rates<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u9280\u884c\u5b58\u6b3e\u4fdd\u969c\u7684\u6700\u521d\u67b6\u69cb\u8207\u7279\u9ede<\/h2>\n\n\n\n<p>\u9999\u6e2f\u7684\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\u65bc2006\u5e749\u670825\u65e5\u6b63\u5f0f\u904b\u4f5c\uff0c\u6838\u5fc3\u76ee\u6a19\u662f\u7576\u9280\u884c\u5012\u9589\u6642\uff0c\u78ba\u4fdd\u53d7\u5f71\u97ff\u5b58\u6236\u80fd\u8fc5\u901f\u7372\u5f97\u6cd5\u5b9a\u88dc\u511f\uff0c\u5f9e\u800c\u907f\u514d\u300c\u64e0\u63d0\u9023\u9396\u53cd\u61c9\u300d\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u7279\u9ede\u9805\u76ee<\/td><td>\u5177\u9ad4\u898f\u5b9a<\/td><\/tr><tr><td>\u6210\u54e1\u8cc7\u683c<\/td><td>\u6240\u6709\u6301\u724c\u9280\u884c\u5747\u9808\u5f37\u5236\u53c3\u8207\uff0c\u4f46\u4e0d\u5305\u62ec\u6709\u9650\u5236\u724c\u7167\u9280\u884c\u53ca\u63a5\u53d7\u5b58\u6b3e\u516c\u53f8<\/td><\/tr><tr><td>\u521d\u59cb\u4fdd\u969c\u984d<\/td><td>10\u842c\u6e2f\u5143\uff0c\u8207\u300a\u516c\u53f8\u689d\u4f8b\u300b\u4e0b\u7684\u512a\u5148\u7d22\u511f\u984d\u4e00\u81f4<\/td><\/tr><tr><td>\u8cc7\u91d1\u4f86\u6e90<\/td><td>\u9280\u884c\u6309\u5b58\u6b3e\u898f\u6a21\u7e73\u7d0d\u4fdd\u8cbb\uff0c\u5b58\u6236\u81ea\u52d5\u53d7\u4fdd\uff0c\u7121\u9700\u7e73\u8cbb<\/td><\/tr><tr><td>\u4fdd\u969c\u7bc4\u570d<\/td><td>\u5f80\u4f86\u6236\u53e3\u3001\u5132\u84c4\u6236\u53e3\u3001\u4e94\u5e74\u5167\u5b9a\u5b58<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\u6301\u7e8c\u512a\u5316 &#8211; 2\u5ea6\u63d0\u5347\u5b58\u6b3e\u4fdd\u969c \u6700\u65b0\u52a0\u81f380\u842c<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u6642\u9593<\/td><td>\u5b58\u6236\u4fdd\u969c\u984d\u4e0a\u9650\uff08\u6bcf\u9593\u9280\u884c\u6bcf\u540d\u5b58\u6236\uff09<\/td><td>\u5be6\u65bd\u80cc\u666f<\/td><\/tr><tr><td>2006\u5e74 &#8211; 2008\u5e74<\/td><td>10\u842c\u6e2f\u5143<\/td><td>\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\u6210\u7acb\u521d\u671f\uff0c\u53c3\u7167\u512a\u5148\u7d22\u511f\u5236\u5ea6<\/td><\/tr><tr><td>2008\u5e74 &#8211; 2010\u5e74<\/td><td>100% \u5168\u984d\u4fdd\u969c<\/td><td>\u61c9\u5c0d\u5168\u7403\u91d1\u878d\u6d77\u562f\u7684\u81e8\u6642\u63aa\u65bd<\/td><\/tr><tr><td>2011\u5e74 &#8211; 2024\u5e749\u6708<\/td><td>50\u842c\u6e2f\u5143<\/td><td>\u7b2c\u4e00\u6b21\u512a\u5316\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283<\/td><\/tr><tr><td>2024\u5e7410\u6708\u8d77<\/td><td>80\u842c\u6e2f\u5143<\/td><td>\u6700\u4e00\u6b21\u512a\u5316\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>2011\u5e741\u67081\u65e5\uff0c\u5b58\u4fdd\u9650\u984d\u7531\u6700\u521d\u768410\u842c\u6e2f\u5143\u6b63\u5f0f\u8abf\u5347\u81f350\u842c\u6e2f\u5143\uff0c\u76ee\u6a19\u662f\u62b5\u92b7\u901a\u8139\uff0c\u4e26\u78ba\u4fdd\u5168\u6e2f\u7d0490%\u7684\u5b58\u6236\u80fd\u7372\u5f97\u5168\u984d\u4fdd\u969c\uff0c\u7c21\u5316\u88dc\u511f\u767c\u653e\u7a0b\u5e8f\uff0c\u4ee5\u78ba\u4fdd\u5728\u9280\u884c\u5012\u9589\u5f8c\u7684\u4e03\u65e5\u5167\u5b8c\u6210\u8ce0\u4ed8\u3002<\/p>\n\n\n\n<p>\u81f32024\u5e74\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\u518d\u9032\u884c\u512a\u5316\uff0c\u5b58\u6b3e\u4fdd\u969c\u9650\u984d\u753150\u842c\u6e2f\u5143\u63d0\u5347\u81f380\u842c\u6e2f\u5143\uff0c\u4f7f\u7372\u5168\u984d\u4fdd\u969c\u7684\u5b58\u6236\u6bd4\u7387\u905492%\uff0c\u7b26\u5408\u570b\u969b\u5b58\u6b3e\u4fdd\u96aa\u6a5f\u69cb\u5354\u6703\u5efa\u8b70\u768490%\u6a19\u6e96\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u7279\u6b8a\u6642\u671f\u7684\u5b58\u6b3e\u4fdd\u969c &#8211; \u91d1\u878d\u5371\u6a5f\u671f\u9593\u300c\u767e\u5206\u767e\u5b58\u6b3e\u4fdd\u969c\u300d<\/h3>\n\n\n\n<p>2008\u5e749\u6708\uff0c\u96f7\u66fc\u5144\u5f1f\u5012\u9589\u5f15\u767c\u5168\u7403\u91d1\u878d\u6d77\u562f\uff0c\u9999\u6e2f\u5e02\u5834\u7a81\u7136\u51fa\u73fe\u4e00\u6bb5\u95dc\u65bc\u6771\u4e9e\u9280\u884c\u56e0\u6295\u8cc7\u96f7\u66fc\u53caAIG\u5931\u5229\u800c\u9762\u81e8\u7834\u7522\u3001\u5c07\u88ab\u653f\u5e9c\u63a5\u7ba1\u7684\u865b\u5047\u77ed\u8a0a\uff0c\u4e26\u5f15\u767c\u4e86\u5927\u898f\u6a21\u5fc3\u7406\u6050\u614c\u3002\u57289\u670823\u65e5\u81f324\u65e5\u671f\u9593\uff0c\u6771\u4e9e\u9280\u884c\u591a\u9593\u5206\u884c\u51fa\u73fe\u6392\u968a\u63d0\u6b3e\u7684\u4eba\u6f6e\u3002\u6771\u4e9e\u9280\u884c\u4e3b\u5e2d\u674e\u570b\u5bf6\u3001\u91d1\u7ba1\u5c40\u7e3d\u88c1\u4efb\u5fd7\u525b\u3001\u8ca1\u653f\u53f8\u53f8\u9577\u66fe\u4fca\u83ef\uff0c\u4e43\u81f3\u7279\u9996\u66fe\u852d\u6b0a\u76f8\u7e7c\u7ad9\u53f0\u70ba\u6771\u4e9e\u9280\u884c\u6f84\u6e05\u3002\u70ba\u4e86\u5fb9\u5e95\u7a69\u4f4f\u5c40\u9762\uff0c\u9999\u6e2f\u653f\u5e9c\u65bc2008\u5e7410\u670814\u65e5<a href=\"https:\/\/www.hkma.gov.hk\/chi\/news-and-media\/insight\/2014\/07\/20140728\/\">\u5ba3\u5e03<\/a>\u4e00\u9805\u81e8\u6642\u63aa\u65bd\uff1a\u52d5\u7528\u5916\u532f\u57fa\u91d1\uff0c\u70ba\u5168\u6e2f\u6240\u6709\u6301\u724c\u9280\u884c\u63d0\u4f9b\u300c\u767e\u5206\u767e\u5b58\u6b3e\u4fdd\u969c\u300d\uff0c\u6709\u6548\u671f\u76f4\u81f32010\u5e74\u5e95\uff0c\u6210\u529f\u4ee4\u5e02\u5834\u8fc5\u901f\u6062\u5fa9\u51b7\u975c\u3002<\/p>\n\n\n\n<p><strong>\u66f4\u591a\u91d1\u878d\u884c\u696d\u5c08\u9580\u540d\u8a5e\u89e3\u91cb\uff1a<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E6%B0%B8%E7%BA%8C-%E5%82%B5%E5%88%B8-perpetual-bond\/\"><strong>\u6c38\u7e8c\u50b5\u5238<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%b7%a8%e7%81%bd%e5%82%b5%e5%88%b8-%e6%98%af%e4%bb%80%e9%ba%bc-%e9%a6%99%e6%b8%af-%e5%9f%ba%e9%87%91-%e5%8e%9f%e7%90%86-%e4%bf%9d%e9%9a%aa%e7%9b%b8%e9%80%a3-%e8%8b%b1%e6%96%87\/\"><strong>\u5de8\u707d\u50b5\u5238<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%a6%82%e4%bd%95%e9%80%8f%e9%81%8e%e6%88%90%e6%9c%ac%e5%b9%b3%e5%9d%87%e6%b3%95%e7%a9%8d%e7%b4%af%e9%95%b7%e6%9c%9f%e8%b2%a1%e5%af%8c\/\"><strong>\u5e73\u5747\u6210\u672c\u6cd5<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%87%91%e8%9e%8d%e5%85%a5%e9%96%80%ef%bd%9c%e7%a7%81%e5%8b%9f%e5%9f%ba%e9%87%91%e8%88%87%e7%a7%81%e5%8b%9f%e8%82%a1%e6%ac%8a%e5%9f%ba%e9%87%91%e6%9c%89%e4%bd%95%e5%88%a5%ef%bc%9f\/\"><strong>\u79c1\u52df\u57fa\u91d1<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e8%b2%a8%e5%b9%a3-%e5%b8%82%e5%a0%b4-%e5%9f%ba%e9%87%91-%e9%a2%a8%e9%9a%aa-%e6%8e%a8%e8%96%a6-money-market-fund-%e4%b8%ad%e6%96%87\/\"><strong>\u8ca8\u5e63\u57fa\u91d1<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%a6%99%e6%b8%af-%e9%80%80%e4%bc%91-%e9%95%b7%e5%a3%bd-%e9%a2%a8%e9%9a%aa-%e9%a6%99%e6%b8%af-%e8%8b%b1%e6%96%87-longevity-risk\/\"><strong>\u9577\u58fd\u98a8\u96aa<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/?p=7052\"><strong>\u99ac\u592a\u6548\u61c9<\/strong><\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e6%bb%af%e8%84%b9-stagflation-%e6%8a%95%e8%b3%87-%e7%ad%96%e7%95%a5\/\"><strong>\u6eef\u8139<\/strong><\/a><\/p>\n\n\n\n<p><sub>\u514d\u8cac\u8072\u660e\ufe30\u672c\u6587\u50c5\u4f9b\u53c3\u8003\uff0c\u4e0d\u61c9\u8996\u70ba\u8ca1\u52d9\u5efa\u8b70\u3002\u672c\u6587\u7121\u610f\u63a8\u92b7\u4efb\u4f55\u7279\u5b9a\u6295\u8cc7\uff0c\u4e5f\u7121\u610f\u63d0\u4f9b\u6216\u5efa\u8b70\u8cb7\u8ce3\u4efb\u4f55\u7279\u5b9a\u8b49\u5238\u3002\u6240\u6709\u5f62\u5f0f\u7684\u6295\u8cc7\u90fd\u6709\u98a8\u96aa\uff0c\u5305\u62ec\u640d\u5931\u5168\u90e8\u6295\u8cc7\u91d1\u984d\u7684\u98a8\u96aa\u3002\u904e\u53bb\u7684\u56de\u5831\u4e26\u4e0d\u4fdd\u8b49\u672a\u4f86\u7684\u8868\u73fe\u3002\u6295\u8cc7\u8005\u61c9\u8003\u616e\u81ea\u8eab\u60c5\u6cc1\u3002\u6b64\u8655\u5305\u542b\u7684\u8cc7\u8a0a\u4e26\u4e0d\u69cb\u6210\u5f9e\u4e8b\u4efb\u4f55\u6295\u8cc7\u6d3b\u52d5\u7684\u8981\u7d04\u3001\u4efb\u4f55\u62db\u652c\u3001\u9080\u8acb\u6216\u5efa\u8b70\u3002\u672c\u6587\u7ae0\u5167\u5bb9\u672a\u7d93\u9999\u6e2f\u8b49\u5238\u53ca\u671f\u8ca8\u4e8b\u52d9\u76e3\u5bdf\u59d4\u54e1\u6703\u5be9\u95b1\u3002<\/sub><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u9999\u6e2f\u9280\u884c\u696d\u7684\u76e3\u7ba1\u6f14\u8b8a\u8ecc\u8de1\u53cd\u6620\u51fa\u91d1\u878d\u884c\u696d\u7684\u9032\u5316\u3002\u904e\u53bb\u6578\u5341\u5e74\u591a\u6b21\u7684\u9280\u884c\u64e0\u63d0\u53ca\u5012\u9589\u5371\u6a5f\uff0c\u9010\u6b65\u4fc3\u4f7f\u6e2f\u5e9c\u5f9e\u88ab\u52d5\u61c9\u5c0d\u5371\u6a5f\u8f49\u5411\u4e3b\u52d5\u98a8\u96aa\u7ba1\u7406\uff0c\u4ee4\u5b58\u6b3e\u4fdd\u969c\u5236\u5ea6\uff08\u82f1\u6587\uff1aDeposit Protection Scheme\uff0c DPS\uff09\u5f97\u4ee5\u78ba\u7acb\u3002\u672c\u6587\u6574\u7406\u9999\u6e2f\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\u7684\u8a95\u751f\u6642\u5e8f\u3001\u6cd5\u5f8b\u67b6\u69cb\u53ca\u5b58\u6b3e\u4fdd\u969c\u91d1\u984d\u7684\u8b8a\u5316\u3002<\/p>\n","protected":false},"author":46,"featured_media":8137,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[24],"tags":[452,453,451,454,269,455],"class_list":{"0":"post-8136","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-syfe","8":"tag-452","9":"tag-453","10":"tag-451","11":"tag-454","12":"tag-269","13":"tag-455"},"acf":{"readingTime":"","authorName":"","authorThumbnail":false,"BLUE_TIER":"0","BLACK_TIER":"0","GOLD_TIER":"0","PRIVATE_WEALTH_TIER":"0","PRE_AML":"0","POST_AML":"0","NO_GLOBAL_PORTFOLIO":"0","NO_REITS_PORTFOLIO":"0","NO_EQUITY_PORTFOLIO":"0","NO_CASH_PORTFOLIO":"0","HAS_ADVISOR":"0","INVESTMENT_PORTFOLIO_AUM":"0","AFTER_AML_DATE":"","AFTER_ACCOUNT_CREATED_DATE":"","language":"all"},"yoast_head":"<!-- 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