{"id":8651,"date":"2026-04-09T11:14:24","date_gmt":"2026-04-09T03:14:24","guid":{"rendered":"https:\/\/www.syfe.com\/hk\/magazine\/?p=8651"},"modified":"2026-04-09T11:14:27","modified_gmt":"2026-04-09T03:14:27","slug":"%e8%99%9b%e6%93%ac-%e9%8a%80%e8%a1%8c","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e8%99%9b%e6%93%ac-%e9%8a%80%e8%a1%8c\/","title":{"rendered":"\u865b\u64ec\u9280\u884c\u9762\u4e167\u5e74\uff018\u9593\u6578\u5b57\u9280\u884c\u4fe1\u7528\u5361\u53ca\u516c\u53f8\u958b\u6236\u6bd4\u8f03"},"content":{"rendered":"\n<p>\u9999\u6e2f\u865b\u64ec\u9280\u884c\uff08\u5373\u6578\u5b57\u9280\u884c\uff09\u81ea2020\u5e74\u9678\u7e8c\u958b\u696d\u4ee5\u4f86\uff0c\u5df2\u7d93\u6210\u70ba\u9999\u6e2f\u91d1\u878d\u5e02\u5834\u4e0d\u53ef\u6216\u7f3a\u7684\u4e00\u90e8\u5206\u3002\u6191\u85c9\u8f03\u4f4e\u6536\u8cbb\u3001\u8f03\u5177\u7af6\u722d\u529b\u7684\u5b58\u6b3e\u5229\u7387\u3001\u66f4\u5f48\u6027\u7684\u958b\u6236\u6d41\u7a0b\uff0c\u6210\u529f\u5438\u5f15\u4e0d\u5c11\u5e74\u8f15\u5ba2\u6236\u53ca\u4e2d\u5c0f\u4f01\u3002\u672c\u6587\u6bd4\u8f038\u9593\u865b\u64ec\u9280\u884c\u80cc\u666f\u8207\u7279\u8272\u3001\u7c21\u4ecb\u958b\u6236\u6d41\u7a0b\u53ca\u5404\u865b\u64ec\u9280\u884c\u4fe1\u7528\u5361\u7522\u54c1\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-dc3d0863      \"\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\u4e00\u6587\u7747\u6e05\u9999\u6e2f\u865b\u64ec\u9280\u884c\uff0f\u6578\u5b57\u9280\u884c\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=\"#\u4ec0\u9ebc\u662f\u865b\u64ec\u9280\u884c\u6578\u5b57\u9280\u884c\" class=\"uagb-toc-link__trigger\">\u4ec0\u9ebc\u662f\u865b\u64ec\u9280\u884c\uff0f\u6578\u5b57\u9280\u884c\uff1f<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u9999\u6e2f8\u9593\u865b\u64ec\u9280\u884c\u80cc\u666f\u53ca\u6392\u540d\" class=\"uagb-toc-link__trigger\">\u9999\u6e2f8\u9593\u865b\u64ec\u9280\u884c\u80cc\u666f\u53ca\u6392\u540d<\/a><\/li><\/ul><\/li><li class=\"uagb-toc__list\"><a href=\"#\u865b\u64ec\u9280\u884c\u958b\u6236\u60c5\u6cc1\u53ca\u6bd4\u8f03\" class=\"uagb-toc-link__trigger\">\u865b\u64ec\u9280\u884c\u958b\u6236\u60c5\u6cc1\u53ca\u6bd4\u8f03<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#3\u9593\u865b\u64ec\u9280\u884c\u63d0\u4f9b\u4f01\u696d\u9280\u884c\u670d\u52d9-\u91dd\u5c0d\u4e2d\u5c0f\u4f01\" class=\"uagb-toc-link__trigger\">3\u9593\u865b\u64ec\u9280\u884c\u63d0\u4f9b\u4f01\u696d\u9280\u884c\u670d\u52d9 \u91dd\u5c0d\u4e2d\u5c0f\u4f01<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u865b\u64ec\u9280\u884c\u4fe1\u7528\u5361\u6263\u8cec\u5361\u6bd4\u8f03\" class=\"uagb-toc-link__trigger\">\u865b\u64ec\u9280\u884c\u4fe1\u7528\u5361\uff0f\u6263\u8cec\u5361\u6bd4\u8f03<\/a><\/li><\/ul><\/li><\/ul><\/li><li class=\"uagb-toc__list\"><a href=\"#\u900f\u904e\u65b0\u6642\u4ee3fintech\u5132\u9322\" class=\"uagb-toc-link__trigger\">\u900f\u904e\u65b0\u6642\u4ee3Fintech\u5132\u9322<\/a><\/ul><\/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\">\u4ec0\u9ebc\u662f\u865b\u64ec\u9280\u884c\uff0f\u6578\u5b57\u9280\u884c\uff1f<\/h2>\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\/03\/\u865b\u64ec-\u9280\u884c-1024x576.png\" alt=\"\" class=\"wp-image-8652\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/03\/\u865b\u64ec-\u9280\u884c-1024x576.png 1024w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/03\/\u865b\u64ec-\u9280\u884c-300x169.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/03\/\u865b\u64ec-\u9280\u884c-768x432.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/03\/\u865b\u64ec-\u9280\u884c-1536x864.png 1536w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/03\/\u865b\u64ec-\u9280\u884c-747x420.png 747w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/03\/\u865b\u64ec-\u9280\u884c-696x392.png 696w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/03\/\u865b\u64ec-\u9280\u884c-1068x601.png 1068w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/03\/\u865b\u64ec-\u9280\u884c.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u865b\u64ec\u9280\u884c\uff08\u82f1\u6587\uff1aVirtual Bank\uff09\u662f\u6307\u5b8c\u5168\u6216\u4e3b\u8981\u900f\u904e\u4e92\u806f\u7db2\u6216\u5176\u4ed6\u5f62\u5f0f\u7684\u96fb\u5b50\u50b3\u9001\u6e20\u9053\u63d0\u4f9b\u9280\u884c\u670d\u52d9\u7684\u91d1\u878d\u6a5f\u69cb\uff0c\u4e0d\u8a2d\u5be6\u9ad4\u5206\u884c\u30022024\u5e7410\u6708\uff0c\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff08\u91d1\u7ba1\u5c40\uff09\u5c07\u300c\u865b\u64ec\u9280\u884c\u300d\u6b63\u5f0f<a href=\"https:\/\/www.scmp.com\/business\/banking-finance\/article\/3261463\/hong-kongs-monetary-authority-replace-virtual-bank-licensed-digital-bank-boost-public-confidence\">\u66f4\u540d<\/a>\u70ba\u300c\u6578\u5b57\u9280\u884c\u300d\uff08\u82f1\u6587\uff1aLicensed Digital Bank\uff09\uff0c\u4ee5\u66f4\u6e96\u78ba\u53cd\u6620\u5176\u696d\u52d9\u6027\u8cea\uff0c\u4e26\u52a0\u5f37\u516c\u773e\u5c0d\u9019\u985e\u9280\u884c\u7684\u4fe1\u5fc3\u3002<\/p>\n\n\n\n<p>\u7576\u6642\u91d1\u7ba1\u5c40\u526f\u7e3d\u88c1\u962e\u570b\u6052<a href=\"https:\/\/www.scmp.com\/business\/banking-finance\/article\/3261463\/hong-kongs-monetary-authority-replace-virtual-bank-licensed-digital-bank-boost-public-confidence\">\u6307\u51fa<\/a>\uff0c\u300c\u865b\u64ec\u9280\u884c\u300d\u7684\u4e2d\u6587\u5bb9\u6613\u88ab\u7406\u89e3\u6210\u300c\u865b\u69cb\u9280\u884c\u300d\uff0c\u5e36\u6709\u4e0d\u771f\u5be6\u3001\u53ef\u80fd\u4e0d\u5b89\u5168\u7684\u8ca0\u9762\u806f\u60f3\uff0c\u5c0d\u63a8\u5ee3\u9019\u985e\u65b0\u9280\u884c\u4e0d\u5229\uff0c\u56e0\u6b64\u5e0c\u671b\u68c4\u7528\u300c\u865b\u64ec\u300d\u4e00\u8a5e\uff1b\u540c\u6642\u523b\u610f\u52a0\u4e0a\u300clicensed\u300d\u4ee5\u5f37\u8abf\u9019\u4e9b\u6a5f\u69cb\u8207\u50b3\u7d71\u9280\u884c\u4e00\u6a23\uff0c\u662f\u53d7\u91d1\u7ba1\u5c40\u5168\u9762\u898f\u7ba1\u7684\u6301\u724c\u9280\u884c\u3002<\/p>\n\n\n\n<p>\u76ee\u524d\u9999\u6e2f\u865b\u64ec\u9280\u884c\u8207\u50b3\u7d71\u9280\u884c\u4e00\u6a23\u53d7\u91d1\u7ba1\u5c40\u5be9\u614e\u76e3\u7ba1\uff0c\u9808\u7b26\u5408\u8cc7\u672c\u5145\u8db3\u7387\u3001\u6d41\u52d5\u6027\u98a8\u96aa\u7ba1\u7406\u53ca\u5ba2\u6236\u4fdd\u969c\u7b49\u4e00\u7cfb\u5217\u8981\u6c42\u3002\u81f32025\u5e74\u521d\uff0c\u91d1\u7ba1\u5c40\u653e\u5bec<a href=\"https:\/\/finance730.com.hk\/2024\/11\/04\/%E6%95%B8%E5%AD%97%E9%8A%80%E8%A1%8C-%E8%99%9B%E6%93%AC%E9%8A%80%E8%A1%8C-%E9%A6%99%E6%B8%AF-%E5%88%86%E8%A1%8C\/\">\u898f\u5b9a<\/a>\uff0c\u8868\u793a\u6703\u5728\u6709\u9650\u5ea6\u60c5\u6cc1\u4e0b\u5bb9\u8a31\u865b\u64ec\u9280\u884c\u900f\u904e\u975e\u96fb\u5b50\u6e20\u9053\uff08\u5305\u62ec\u5be6\u9ad4\u5206\u884c\uff09\u8fa6\u7406\u90e8\u5206\u696d\u52d9\uff0c\u4ee5\u6539\u5584\u7528\u6236\u9ad4\u9a57\uff0c\u4f46\u81f32026\u5e743\u6708\u4ecd\u672a\u898b\u6709\u5c0d\u516c\u773e\u958b\u653e\u7684\u6578\u5b57\u9280\u884c\u5206\u884c\u6295\u5165\u904b\u4f5c\u3002<\/p>\n\n\n\n<p><strong>\u66f4\u591a\u9999\u6e2f\u9280\u884c\u696d\u8cc7\u8a0a\uff1a<\/strong><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\/\"><strong>\u9280\u884c\u7de8\u865f<\/strong><\/a><strong>\uff5c<\/strong><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\/\"><strong>\u4fdd\u96aa\u7bb1<\/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><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u9999\u6e2f8\u9593\u865b\u64ec\u9280\u884c\u80cc\u666f\u53ca\u6392\u540d<\/h3>\n\n\n\n<p>\u9999\u6e2f\u76ee\u524d\u5171\u67098\u9593\u6301\u724c\u865b\u64ec\u9280\u884c\uff0c\u80a1\u6771\u80cc\u666f\u5404\u7570\uff0c\u6db5\u84cb\u50b3\u7d71\u9280\u884c\u3001\u79d1\u6280\u5de8\u982d\u3001\u96fb\u8a0a\u516c\u53f8\u53ca\u91d1\u878d\u79d1\u6280\u4f01\u696d\u3002\u6839\u64da\u9280\u884c\u516c\u67032023\u5e74\u5e95\u7684<a href=\"https:\/\/www.hkab.org.hk\/tc\/news\/press-release\/277\">\u8abf\u67e5<\/a>\uff0c\u7576\u664245%\u500b\u4eba\u53d7\u8a2a\u8005\u5df2\u958b\u8a2d\u865b\u64ec\u9280\u884c\u6236\u53e3\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u9280\u884c\u540d\u7a31<\/td><td>\u4e3b\u8981\u80a1\u6771\u80cc\u666f<\/td><\/tr><tr><td>ZA Bank\uff5c\u773e\u5b89\u9280\u884c<\/td><td>\u773e\u5b89\u5728\u7dda\u3001\u767e\u4ed5\u9054<\/td><\/tr><tr><td>Mox Bank<\/td><td>\u6e23\u6253\u9280\u884c\u3001\u96fb\u8a0a\u76c8\u79d1\u3001\u9999\u6e2f\u96fb\u8a0a\u3001\u651c\u7a0b\u91d1\u878d<\/td><\/tr><tr><td>WeLab Bank\uff5c\u532f\u7acb\u9280\u884c<\/td><td>WeLab<\/td><\/tr><tr><td>livi bank\uff5c\u7406\u6167\u9280\u884c<\/td><td>\u4e2d\u9280\u9999\u6e2f\u3001\u4eac\u6771\u6578\u5b57\u79d1\u6280\u3001\u6021\u548c<\/td><\/tr><tr><td>Fusion Bank\uff5c\u5bcc\u878d\u9280\u884c<\/td><td>\u9a30\u8a0a\u3001\u5de5\u9280\u4e9e\u6d32\u3001\u6e2f\u4ea4\u6240\u3001\u9ad8\u74f4\u8cc7\u672c\u3001\u912d\u5fd7\u525b<\/td><\/tr><tr><td>Airstar Bank\uff5c\u5929\u661f\u9280\u884c<\/td><td>\u5bcc\u9014\u3001\u5c0f\u7c73<\/td><\/tr><tr><td>Ant Bank\uff5c\u879e\u87fb\u9280\u884c<\/td><td>\u879e\u87fb\u96c6\u5718<\/td><\/tr><tr><td>Ping An Digital Bank\uff5c\u5e73\u5b89\u6578\u5b57\u9280\u884c<\/td><td>\u5e73\u5b89\u96c6\u5718<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>8\u9593\u6578\u5b57\u9280\u884c\u4e2d\uff0cAirstar Bank\uff08\u5929\u661f\u9280\u884c\uff09\u6700\u521d\u7531\u5275\u59cb\u80a1\u6771\u5c0f\u7c73\u96c6\u5718\uff081810\uff09\u53ca\u5c1a\u4e58\u96c6\u5718\u5206\u5225\u6301\u80a190%\u53ca10%\uff0c\u4e0d\u904e\u8fd1\u5e74\u80a1\u6b0a\u51fa\u73fe\u8b8a\u5316\uff0c\u5bcc\u9014\uff08FUTU\uff09\u57282024\u5e74<a href=\"https:\/\/hk.finance.yahoo.com\/news\/%E5%AF%8C%E9%80%94%E6%99%89%E8%BA%AB%E5%A4%A9%E6%98%9F%E9%8A%80%E8%A1%8C%E5%A4%A7%E8%82%A1%E6%9D%B1-%E5%8E%BB%E5%B9%B49%E6%9C%88%E5%A2%9E%E8%B3%875%E5%84%84-%E6%8C%81%E8%82%A1%E5%8D%87%E8%87%B368-43-183000258.html\">\u5165\u80a1<\/a>\u4e26\u6ce8\u8cc7\u5f8c\uff0c\u5982\u4eca\u6210\u70ba\u5929\u661f\u9280\u884c\u63a7\u80a1\u80a1\u6771\u3002<\/p>\n\n\n\n<p>\u53e6\u5916\uff0c\u5e73\u5b89\u6578\u5b57\u9280\u884c\u6700\u521d\u70ba\u300c\u5e73\u5b89\u58f9\u8cec\u901a\u9280\u884c\uff08\u9999\u6e2f\uff09\u300d\uff08Ping An OneConnect Bank\uff09\uff0c\u81f32024\u5e74\u8d77\u5c0d\u5916\u54c1\u724c\u6539\u70ba\u300cPAO Bank\uff08PAObank\uff09\u300d\uff0c\u518d\u57282026\u5e74<a href=\"https:\/\/www.hk01.com\/%E8%B2%A1%E7%B6%93%E5%BF%AB%E8%A8%8A\/60334504\/pao-bank%E6%94%B9%E5%90%8D%E5%B9%B3%E5%AE%89%E6%95%B8%E5%AD%97%E9%8A%80%E8%A1%8C-%E5%A7%9A%E6%96%87%E6%9D%BE-%E8%88%87%E6%AF%8D%E4%BC%81%E6%9B%B4%E5%A4%9A%E9%80%A3%E6%8E%A5-%E5%86%80%E7%9B%A1%E5%BF%AB%E6%89%AD%E8%99%A7\">\u6539<\/a>\u6210\u73fe\u6642\u540d\u7a31\u3002<\/p>\n\n\n\n<p>2025\u5e74\u4e0a\u534a\u5e74\u696d\u7e3e\u986f\u793a\uff0c8\u9593\u6578\u5b57\u9280\u884c\u4e2d\u67093\u9593\u9996\u6b21\u8f49\u8667\u70ba\u76c8\uff0c\u800c\u5176\u9918\u6578\u5b57\u9280\u884c\u7684\u8667\u640d\u91d1\u984d\u4ea6\u6709\u6240\u6536\u7a84\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u9280\u884c<\/td><td>\u7a05\u5f8c\u76c8\u5229\/\u8667\u640d<\/td><td>\u5ba2\u6236\u5b58\u6b3e<\/td><\/tr><tr><td>ZA Bank<\/td><td>4,914\u842c\u6e2f\u5143\uff08\u8f49\u76c8\uff09<\/td><td>210.0\u5104\u6e2f\u5143<\/td><\/tr><tr><td>Mox Bank<\/td><td>-1.8\u5104\u6e2f\u5143\uff08\u8667\u640d\u6536\u7a84\uff09<\/td><td>191.4\u5104\u6e2f\u5143<\/td><\/tr><tr><td>Fusion Bank<\/td><td>-1.1\u5104\u6e2f\u5143\uff08\u8667\u640d\u6536\u7a84\uff09<\/td><td>103.9\u5104\u6e2f\u5143<\/td><\/tr><tr><td>WeLab Bank<\/td><td>203.4\u842c\u6e2f\u5143\uff08\u8f49\u76c8\uff09<\/td><td>73.0\u5104\u6e2f\u5143<\/td><\/tr><tr><td>\u879e\u87fb\u9280\u884c<\/td><td>-1.3\u5104\u6e2f\u5143\uff08\u8667\u640d\u64f4\u5927\uff09<\/td><td>70.4\u5104\u6e2f\u5143<\/td><\/tr><tr><td>PAOB<\/td><td>-1.1\u5104\u6e2f\u5143\uff08\u8667\u640d\u6536\u7a84\uff09<\/td><td>59.4\u5104\u6e2f\u5143<\/td><\/tr><tr><td>livi bank<\/td><td>240.1\u842c\u6e2f\u5143\uff08\u8f49\u76c8\uff09<\/td><td>36.1\u5104\u6e2f\u5143<\/td><\/tr><tr><td>\u5929\u661f\u9280\u884c<\/td><td>-1.3\u5104\u6e2f\u5143\uff08\u8667\u640d\u6536\u7a84\uff09<\/td><td>23.7\u5104\u6e2f\u5143<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u865b\u64ec\u9280\u884c\u958b\u6236\u60c5\u6cc1\u53ca\u6bd4\u8f03<\/h2>\n\n\n\n<p>\u9999\u6e2f\u7684\u865b\u64ec\u9280\u884c\u500b\u4eba\u6236\u53e3\u958b\u6236\u6d41\u7a0b\u5927\u81f4\u5305\u62ec\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u4e0b\u8f09\u865b\u64ec\u9280\u884c\u624b\u6a5f App\uff0c\u9078\u64c7\u300c\u958b\u7acb\u6236\u53e3\u300d\u3002<\/li>\n\n\n\n<li>\u4f7f\u7528\u9999\u6e2f\u8eab\u5206\u8b49\u9032\u884c\u5be6\u540d\u8a8d\u8b49\uff0c\u900f\u904e\u62cd\u651d\u8b49\u4ef6\u53ca\u81ea\u62cd\u4f5c\u6d3b\u9ad4\u6aa2\u6e2c\uff08eKYC\uff09\u3002<\/li>\n\n\n\n<li>\u8f38\u5165\u500b\u4eba\u8cc7\u6599\uff08\u4f4f\u5740\u3001\u8077\u696d\u3001\u7a05\u52d9\u5c45\u6c11\u8eab\u5206\u7b49\uff09\uff0c\u90e8\u5206\u9280\u884c\u6703\u8981\u6c42\u7c21\u55ae\u8ca1\u52d9\u72c0\u6cc1\u7533\u5831\u3002<\/li>\n\n\n\n<li>\u7d81\u5b9a\u672c\u5730\u6d41\u52d5\u96fb\u8a71\u865f\u78bc\u53ca\u96fb\u90f5\uff0c\u7528\u4f5c\u63a5\u6536\u4e00\u6b21\u6027\u5bc6\u78bc\u53ca\u4ea4\u6613\u63d0\u793a\u3002<\/li>\n\n\n\n<li>\u90e8\u5206\u9280\u884c\u8981\u6c42\u4ee5\u8f49\u8cec\u6216 FPS \u5b58\u5165\u5c11\u91cf\u555f\u52d5\u91d1\u4f5c\u9996\u6b21\u5165\u91d1\u3002<\/li>\n<\/ol>\n\n\n\n<p>\u865b\u64ec\u9280\u884c\u7dda\u4e0a\u958b\u6236\u96d6\u7136\u4fbf\u6377\uff0c\u4f46\u4ecd\u6709\u4e00\u4e9b\u6ce8\u610f\u4e8b\u9805\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7528\u6236\u5fc5\u9808\u8eab\u8655\u9999\u6e2f\u5883\u5167\u624d\u80fd\u5b8c\u6210\u958b\u6236\u7a0b\u5e8f\uff0c\u7cfb\u7d71\u6703\u900f\u904eGPS\u5b9a\u4f4d\u9032\u884c\u9a57\u8b49<\/li>\n\n\n\n<li>\u5efa\u8b70\u5728\u7a69\u5b9a\u7684Wi-Fi\u74b0\u5883\u4e0b\u9032\u884c\u958b\u6236\uff0c\u907f\u514d\u56e0\u7db2\u7d61\u554f\u984c\u5c0e\u81f4\u7a0b\u5e8f\u4e2d\u65b7<\/li>\n<\/ul>\n\n\n\n<p>\u82e5\u4e00\u5207\u9806\u5229\uff0c\u7531\u4e0b\u8f09 App \u81f3\u6210\u529f\u958b\u6236\u4e00\u822c\u53ea\u9700\u7d04 5 \u81f3 10 \u5206\u9418\uff0c\u500b\u5225\u9280\u884c\u8072\u7a31\u6700\u5feb\u53ef\u5728\u6578\u5206\u9418\u5167\u5b8c\u6210 KYC \u53ca\u6279\u6838\u3002\u53e6\u5916\u91dd\u5c0d\u4eba\u5de5\u667a\u80fd\u63db\u81c9\u6280\u8853\uff08Deepfake\uff09\u300c\u63db\u81c9\u300d<a href=\"https:\/\/www.hk01.com\/%E7%AA%81%E7%99%BC\/60230976\/%E8%AD%A6%E6%8B%988%E4%BA%BA%E7%94%A8ai%E6%8F%9B%E8%87%89-%E5%86%92%E5%A0%B1%E5%A4%B1%E8%BA%AB%E5%88%86%E8%AD%89%E5%B8%82%E6%B0%91%E9%96%8B%E6%88%B6%E5%80%9F%E8%B2%B8-44%E6%AC%A1%E7%94%B3%E8%AB%8B30%E6%AC%A1%E9%81%8E%E9%97%9C\">\u5192\u5145<\/a>\u4ed6\u4eba\u958b\u8a2d\u865b\u64ec\u9280\u884c\u6236\u53e3\u6d17\u9ed1\u9322\u7684\u554f\u984c\uff0c\u6709\u865b\u64ec\u9280\u884c\u6307\u73fe\u6642<a href=\"https:\/\/finance.mingpao.com\/fin\/daily\/20240306\/1709658641316\/%E9%A8%99%E5%BE%92%E7%94%A8ai%E6%B7%B1%E5%81%BD%E9%96%8B%E6%88%B6-%E9%8A%80%E8%A1%8C%E9%A0%88%E5%A2%9E%E8%AD%98%E5%88%A5%E5%8A%9F%E8%83%BD\">\u63a1\u7528<\/a>\u4eba\u624b\u76e3\u5bdf\u958b\u6236\u3002<\/p>\n\n\n\n<p><strong>\u66f4\u591a\u9999\u6e2f\u9280\u884c\u6236\u53e3\u53ca\u5b58\u6b3e\u6bd4\u8f03\uff1a<\/strong><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\/\"><strong>\u6e2f\u5143\u5b9a\u5b58<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%a6%99%e6%b8%af-%e9%8a%80%e8%a1%8c-%e9%ab%98%e6%81%af-%e6%b8%af%e5%85%83-%e6%b4%bb%e6%9c%9f-%e5%84%b2%e8%93%84-%e5%ad%98%e6%ac%be-%e5%88%a9%e6%81%af-%e6%af%94%e8%bc%83\/\"><strong>\u9999\u6e2f\u9ad8\u606f\u5132\u755c\u6236\u53e3<\/strong><\/a><strong>\uff5c<\/strong><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\u5b9a\u5b58<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%85%92%e7%ab%a5-%e9%8a%80%e8%a1%8c-%e6%88%b6%e5%8f%a3\/\"><strong>\u5152\u7ae5\u9280\u884c\u6236\u53e3<\/strong><\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%87%ba-%e7%b3%a7-%e6%88%b6%e5%8f%a3\/\">\u51fa\u7ce7\u6236\u53e3<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3\u9593\u865b\u64ec\u9280\u884c\u63d0\u4f9b\u4f01\u696d\u9280\u884c\u670d\u52d9 \u91dd\u5c0d\u4e2d\u5c0f\u4f01<\/h3>\n\n\n\n<p>\u9664\u4e86\u500b\u4eba\u9280\u884c\u670d\u52d9\u5916\uff0c\u76ee\u524d\u67093\u9593\u865b\u64ec\u9280\u884c\u540c\u6642\u63d0\u4f9b\u5546\u696d\u9280\u884c\u670d\u52d9\uff0c\u5206\u5225\u662fZA Bank\uff08ZA Dash\uff09\u3001livi bank\uff08livi Business\uff09\u53ca\u5e73\u5b89\u6578\u5b57\u9280\u884c\u3002\u76f8\u6bd4\u50b3\u7d71\u9280\u884c\uff0c\u865b\u64ec\u9280\u884c\u958b\u8a2d\u516c\u53f8\u6236\u53e3\u7684\u9580\u6abb\u8f03\u4f4e\uff0c\u9069\u5408\u521d\u5275\u4f01\u696d\u53ca\u4e2d\u5c0f\u4f01\uff0c\u4f46\u4f01\u696d\u6236\u53e3\u958b\u6236\u4ecd\u7136\u9700\u8981\u5546\u696d\u767b\u8a18\u8b49\u3001\u516c\u53f8\u7ae0\u7a0b\u53ca\u8463\u4e8b\uff0f\u5be6\u76ca\u64c1\u6709\u4eba\u8cc7\u6599\u7b49\u8cc7\u6599\uff0c\u5be9\u6279\u6642\u9593\u901a\u5e38\u7531\u6578\u65e5\u81f3\u6578\u661f\u671f\u4e0d\u7b49\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u670d\u52d9\u540d\u7a31<\/td><td>\u958b\u6236\u8cbb\u7528<\/td><td>\u4e3b\u8981\u7279\u8272<\/td><\/tr><tr><td>ZA Dash<\/td><td>\u8c41\u514d\u7db2\u4e0a\u7533\u8acb\u8cbb<\/td><td>\u652f\u6301\u6e2f\u5143\/\u4eba\u6c11\u5e63\/\u7f8e\u5143\u5b9a\u671f\u5b58\u6b3e\uff1b\u99966\u500b\u6708\u514d\u8f49\u6578\u5feb\u4ea4\u6613\u8cbb<\/td><\/tr><tr><td>livi Business<\/td><td>HK$1,200<\/td><td>\u6700\u5feb1\u65e5\u958b\u6236\uff1b\u5546\u696d\u8cb8\u6b3e\u9ad8\u9054800\u842c\u6e2f\u5143\uff1b\u9023\u7d50yuu\u734e\u8cde<\/td><\/tr><tr><td>\u5e73\u5b89\u6578\u5b57\u9280\u884c\u4e2d\u5c0f\u4f01\u9280\u884c\u670d\u52d9<\/td><td>\u514d\u8cbb<\/td><td>\u4e0d\u8a2d\u6700\u4f4e\u5b58\u6b3e\uff1b\u8f49\u6578\u5feb\u8cbb\u7528\u5168\u514d\uff1b\u9810\u5148\u6279\u6838\u8cb8\u6b3e\u9ad8\u9054500\u842c<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u7576\u4e2d\u5e73\u5b89\u6578\u5b57\u9280\u884c\u65e9\u5e74\u662f\u552f\u4e00\u4e00\u9593\u4ee5\u4e2d\u5c0f\u4f01\u9280\u884c\u670d\u52d9\u70ba\u4e3b\u529b\u7684\u865b\u64ec\u9280\u884c\uff0c\u4f01\u696d\u5ba2\u6236\u8f49\u6578\u5feb\u672c\u5730\u8f49\u8cec\u8cbb\u7528\u5168\u514d\uff0c\u4e26\u63d0\u4f9b\u591a\u7a2e\u4e2d\u5c0f\u4f01\u8cb8\u6b3e\u7522\u54c1\uff0c\u800clivi Business<a href=\"https:\/\/www.hkma.gov.hk\/media\/chi\/doc\/other-information\/ac-opening\/20230314c1.pdf\">\u6700\u5feb<\/a>\u53ef\u65bc1\u500b\u5de5\u4f5c\u5929\u5b8c\u6210\u958b\u6236\uff0c\u4e26\u63d0\u4f9b\u9ad8\u9054800\u842c\u6e2f\u5143\u7684\u5546\u696d\u5206\u671f\u8cb8\u6b3e\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u865b\u64ec\u9280\u884c\u4fe1\u7528\u5361\uff0f\u6263\u8cec\u5361\u6bd4\u8f03<\/h3>\n\n\n\n<p>\u76ee\u524d\u9999\u6e2f\u5e02\u5834\u4e0a\u4e26\u975e\u6240\u6709\u865b\u64ec\u9280\u884c\u6709\u63d0\u4f9b\u4fe1\u7528\u5361\uff0f\u6263\u8cec\u5361\uff0c\u7576\u4e2dMox Bank\u7684Mox Credit\u662f\u9999\u6e2f\u5e02\u5834\u4e0a\u7b2c\u4e00\u5f35\u771f\u6b63\u610f\u7fa9\u4e0a\u7684\u865b\u64ec\u9280\u884c\u4fe1\u7528\u5361\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u9280\u884c<\/td><td>\u5361\u985e\u7522\u54c1<\/td><td>\u5361\u7247\u6027\u8cea<\/td><\/tr><tr><td>Mox Bank<\/td><td>Mox Credit<\/td><td>Mastercard\u4fe1\u7528\u5361<\/td><\/tr><tr><td>ZA Bank<\/td><td>ZA Card<\/td><td>Visa\u6263\u8cec\u5361<\/td><\/tr><tr><td>WeLab Bank<\/td><td>WeLab Debit Card<\/td><td>Mastercard\u6263\u8cec\u5361<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u76ee\u524dMox Card\u3001WeLab Debit Card\u3001ZA Card \u90fd\u652f\u63f4\u5728\u9999\u6e2fATM\u63d0\u6b3e\uff0c\u5728\u672c\u5730 JETCO \u7db2\u7d61\u63d0\u6b3e\u4e00\u822c\u514d\u8cbb\uff0c\u4f46\u4f7f\u7528\u570b\u969b\u5361\u7db2\u7d61\uff08Visa \/ Mastercard\uff09\u63d0\u6b3e\u6709\u6a5f\u6703\u6536\u53d6\u624b\u7e8c\u8cbb\u3002<\/p>\n\n\n\n<p>\u7406\u6167\u9280\u884clivi bank\u904e\u53bb\u6709\u63d0\u4f9b\u6263\u8cec\u5361\u670d\u52d9\u4e88\u5ba2\u6236\uff0c\u4e0d\u904e\u57282024\u5e749\u6708\u4efd<a href=\"https:\/\/inews.hket.com\/article\/3797380\/%E8%99%9B%E6%93%AC%E9%8A%80%E8%A1%8C%EF%BD%9C%E7%90%86%E6%85%A7%E9%8A%80%E8%A1%8Clivi%20bank%209.26%E8%B5%B7%E6%9A%AB%E5%81%9CDebit%20Mastercard%E3%80%80PayLater%E6%9C%8D%E5%8B%99%E5%90%8C%E6%97%A5%E5%81%9C%E6%AD%A2%E3%80%80%E7%99%BC%E8%A8%80%E4%BA%BA%EF%BC%9A%E4%B8%8D%E6%99%82%E6%93%9A%E5%95%86%E6%A5%AD%E9%9C%80%E8%A6%81%E5%92%8C%E5%B8%82%E6%B3%81%E6%AA%A2%E8%A6%96%E7%94%A2%E5%93%81%E6%9C%8D%E5%8B%99%E5%AE%89%E6%8E%92\">\u5ba3\u4f48<\/a>\u66ab\u505c\u5176Debit Mastercard\u670d\u52d9\uff0c\u7406\u7531\u662f\u7a31\u8a72\u884c\u4e0d\u6642\u6839\u64da\u5546\u696d\u9700\u8981\u548c\u5e02\u5834\u60c5\u6cc1\u7b49\uff0c\u6aa2\u8996\u7522\u54c1\u53ca\u670d\u52d9\u5b89\u6392\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u900f\u904e\u65b0\u6642\u4ee3Fintech\u5132\u9322<\/strong><\/h2>\n\n\n\n<p>\u8fd1\u5e74\u667a\u80fd\u6295\u8cc7\u5e73\u53f0\u8208\u8d77\uff0c\u900f\u904e\u6578\u4f4d\u670d\u52d9\u985b\u8986\u91d1\u878d\u754c\u3002<a href=\"https:\/\/www.syfe.com\/hk\">Syfe<\/a>\u63a8\u51fa\u7684<a href=\"https:\/\/www.syfe.com\/hk\/cash-plus-fixed\">\u5b9a\u606f\u5bf6<\/a>\uff0c\u4ee5\u6e2f\u5143\u7d50\u7b97\uff0c\u6240\u6295\u8cc7\u7684\u76f8\u95dc\u8cc7\u7522\u70ba\u5b9a\u671f\u5b58\u6b3e\uff0c\u606f\u7387\u8207\u5b9a\u5b58\u4e00\u6a23\u5c6c\u56fa\u5b9a\u6027\u8cea\uff0c\u4e26\u4e14\u6c92\u6709\u7ba1\u7406\u8cbb\uff0c\u8a2d\u67091\u500b\u6708\u30013\u500b\u6708\u30016\u500b\u6708\u671f\u53ca12\u500b\u6708\u671f\u9078\u64c7\uff0c\u57282026\u5e743\u6708\u5206\u5225\u70ba1.7\u5398\u30012.05\u5398\u30012.3\u5398\u53ca2.6\u5398<a href=\"https:\/\/www.syfe.com\/hk\/cash-plus-fixed\">\u56fa\u5b9a\u6536\u76ca\u7387<\/a>\uff0c\u8f03\u4e00\u822c\u5b9a\u5b58\u70ba\u9ad8\uff1b\u66f4\u91cd\u8981\u7684\u662f\uff0c\u5b9a\u606f\u5bf6\u4e0d\u8a2d\u6700\u4f4e\u6295\u8cc7\u984d\uff0c\u9664\u4e86\u9069\u5408\u8f03\u5c0f\u984d\u6295\u8cc7\u8005\u5916\uff0c\u4ea6\u9069\u5408\u6240\u6709\u4eba\u58eb\u914d\u7f6e\u9591\u7f6e\u8cc7\u91d1\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/image-1.png\" alt=\"\" class=\"wp-image-7908\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/image-1.png 1024w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/image-1-300x169.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/image-1-768x432.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/image-1-747x420.png 747w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/image-1-696x392.png 696w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.syfe.com\/hk\/create-account\">\u7acb\u5373\u514c\u63db<\/a><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4f7f\u7528\u6307\u5b9a\u514c\u63db\u78bc\u958b\u6236\u3002<\/li>\n\n\n\n<li>\u5982\u6295\u5165\u9996\u7b46\u6b3e\u9805 HK$10,000 \u65bc\u4efb\u4f55\u6295\u8cc7\u7d44\u5408\uff0cHK$200 \u734e\u52f5\u5c07\u6703\u5b58\u5165\u4f60\u7684\u76f8\u95dc\u7d44\u5408\u3002\u9808\u7dad\u6301 90 \u65e5 HK$10,000 \u6216\u4ee5\u4e0a\u7684\u73fe\u91d1\u6d41\u65bc\u4f60\u7684\u76f8\u95dc\u7d44\u5408\u3002<\/li>\n\n\n\n<li>\u5982\u6295\u5165\u9996\u7b46\u6b3e\u9805 HK$50,000\uff0cHK$500 \u734e\u52f5\u5c07\u6703\u5b58\u5165\u4f60\u7684\u76f8\u95dc\u7d44\u5408\u3002\u9808\u7dad\u6301 90 \u65e5 HK$50,000 \u6216\u4ee5\u4e0a\u7684\u73fe\u91d1\u6d41\u65bc\u4f60\u7684\u76f8\u95dc\u7d44\u5408\u3002<\/li>\n\n\n\n<li>\u5982\u6295\u5165\u9996\u7b46\u6b3e\u9805 HK$100,000\uff0cHK$1,000 \u734e\u52f5\u5c07\u6703\u5b58\u5165\u4f60\u7684\u76f8\u95dc\u7d44\u5408\u3002\u9808\u7dad\u6301 90 \u65e5 HK$100,000 \u6216\u4ee5\u4e0a\u7684\u73fe\u91d1\u6d41\u65bc\u4f60\u7684\u76f8\u95dc\u7d44\u5408\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u5728\u98a8\u96aa\u5c64\u9762\u4e0a\uff0c\u96d6\u7136Syfe\u4e0d\u662f\u4e00\u5bb6\u9280\u884c\uff0c\u4f46\u6211\u5011\u900f\u904e\u4f5c\u70ba\u91d1\u878d\u6a5f\u69cb\u7684\u898f\u6a21\uff0c\u80fd\u5920\u8207\u9280\u884c\u5354\u5546\u5177\u7af6\u722d\u529b\u7684\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\u3002\u6b64\u6295\u8cc7\u670d\u52d9\u4e0d\u5c6c\u65bc\u9999\u6e2f\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\uff08DPS\uff09\u7bc4\u570d\uff0c\u4f46\u6295\u8cc7\u8005\u53ef\u4ee5\u653e\u5fc3\u6295\u8cc7\uff0c\u56e0\u70ba\u6211\u5011\u53ea\u8207\u8ca1\u52d9\u7a69\u5065\u7684\u9280\u884c\u5408\u4f5c\u3002\u800c\u900f\u904e\u6211\u5011\u7684\u5408\u4f5c\u5925\u4f34\u95dc\u4fc2\uff0c\u4ee4\u5230\u5b9a\u606f\u5bf6\u7121\u9700\u4efb\u4f55\u7684\u9644\u5e36\u689d\u4ef6\uff0c\u4ea6\u53ef\u53d6\u5f97\u5177\u7af6\u722d\u529b\u7684\u6536\u76ca\u7387\uff0c\u7576\u4e2d\u5c0d\u6295\u8cc7\u91d1\u984d\u4e5f\u6c92\u6709\u4efb\u4f55\u4e0a\u9650\uff0c\u4e5f\u4e0d\u6536\u53d6\u4efb\u4f55\u8cbb\u7528\u3002<a href=\"https:\/\/help.hk.syfe.com\/hc\/zh-hk\/categories\/29611242043673-Syfe-%E5%AE%9A%E6%81%AF%E5%AF%B6-%E6%B8%AF%E5%85%83\">\u4f60\u53ef\u4ee5\u6309\u6b64\u4e86\u89e3\u66f4\u591a\u5b9a\u606f\u5bf6\u5e38\u898b\u554f\u984c\u3002<\/a><\/p>\n\n\n\n<p>*\u8a08\u7b97\u6a5f\u8aaa\u660e\u5982\u679c\u5b9a\u606f\u5bf6\u5728\u5de5\u4f5c\u65e5\u5230\u671f\uff0c\u4f60\u5c07\u6309\u73fe\u884c\u6536\u76ca\u7387\u7372\u5f97\u7684\u56fa\u5b9a\u6536\u76ca\u3002\u5982\u679c\u4e0d\u662f\u9019\u6a23\uff0c\u5b9a\u606f\u5bf6\u6295\u8cc7\u5c07\u5728\u4e0b\u4e00\u500b\u5de5\u4f5c\u65e5\u7d50\u675f\uff0c\u800c\u4f60\u5c07\u6309\u6bd4\u4f8b\u7372\u5f97\u984d\u5916\u65e5\u6578\u7684\u6536\u76ca\u3002<\/p>\n\n\n\n<p>\u5728\u6295\u8cc7\u958b\u59cb\u4e4b\u524d\uff0c\u6536\u76ca\u7387\u53ef\u80fd\u6703\u767c\u751f\u8b8a\u5316\u3002\u5b9a\u606f\u5bf6\u6536\u76ca\u662f\u56fa\u5b9a\u7684\uff0c\u4f46\u6703\u53d7\u5230\u6f5b\u5728\u9280\u884c\u98a8\u96aa\u7684\u5f71\u97ff\u3002 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