{"id":2413,"date":"2026-04-03T16:27:57","date_gmt":"2026-04-03T16:27:57","guid":{"rendered":"https:\/\/tetsu811.com\/understanding-stock-leverage-interest-and-risk\/"},"modified":"2026-04-03T16:28:04","modified_gmt":"2026-04-03T16:28:04","slug":"understanding-stock-leverage-interest-and-risk","status":"publish","type":"post","link":"https:\/\/tetsu811.com\/ja\/understanding-stock-leverage-interest-and-risk\/","title":{"rendered":"\u878d\u8cc7\u4e00\u5929\u5229\u606f\u66dd\u96aa\u95dc\u9375 \u638c\u63e1\u69d3\u687f\u64cd\u4f5c\u8207\u98a8\u96aa\u63a7\u7ba1"},"content":{"rendered":"
\n \"\u4e00\u4f4d\u6295\u8cc7\u4eba\u7528\u653e\u5927\u93e1\u8a08\u7b97\u80a1\u7968\u878d\u8cc7\u5229\u606f\uff0c\u5468\u570d\u6d6e\u52d5\u8457\u80a1\u7968\u5716\u8868\u8207\u91d1\u5e63\u7684\u8da3\u5473\u63d2\u5716\"
\n<\/figure>\n

\u80a1\u7968\u878d\u8cc7\u662f\u4ec0\u9ebc\uff1f\u57fa\u672c\u89c0\u5ff5\u8207\u81ea\u5099\u6b3e\u8aaa\u660e<\/h2>\n

\u80a1\u7968\u5e02\u5834\u88e1\uff0c\u4f60\u4e0d\u53ea\u53ef\u4ee5\u7528\u81ea\u5df1\u7684\u9322\u8cb7\u8ce3\u80a1\u7968\uff0c\u9084\u80fd\u900f\u904e\u4fe1\u7528\u4ea4\u6613\u4f86\u653e\u5927\u6295\u8cc7\u898f\u6a21\u3002\u5176\u4e2d\uff0c\u878d\u8cc7\u662f\u6700\u5e38\u898b\u7684\u4e00\u7a2e\u65b9\u5f0f\u3002\u7c21\u55ae\u8b1b\uff0c\u878d\u8cc7\u5c31\u662f\u5411\u8b49\u5238\u5546\u501f\u9322\u8cb7\u80a1\u7968\u3002\u9019\u8ddf\u7533\u8acb\u623f\u8cb8\u8cb7\u623f\u5dee\u4e0d\u591a\uff0c\u9280\u884c\u501f\u4f60\u9322\u84cb\u623f\u5b50\uff0c\u9019\u88e1\u8b49\u5238\u5546\u501f\u4f60\u9322\u8cb7\u80a1\u7968\u3002<\/p>\n

\u53f0\u7063\u7684\u898f\u5b9a\u5f88\u56b4\u683c\u3002\u4e0a\u5e02\u80a1\u7968\u7684\u878d\u8cc7\u6700\u591a\u516d\u6210\uff0c\u4f60\u5f97\u81ea\u5df1\u6e96\u5099\u56db\u6210\u81ea\u5099\u6b3e\u3002\u4e0a\u6ac3\u80a1\u7968\u5247\u662f\u4e94\u6210\u878d\u8cc7\uff0c\u4f60\u9700\u5099\u4e94\u6210\u81ea\u5099\u6b3e\u3002\u6bd4\u65b9\u8aaa\uff0c\u4e00\u5f35\u4e0a\u5e02\u80a1\u7968\u503c10\u842c\u5143\uff0c\u4f60\u53ea\u9700\u51fa4\u842c\u5143\uff0c\u5269\u4e0b6\u842c\u5143\u7531\u5238\u5546\u63d0\u4f9b\u3002\u9019\u7a2e\u65b9\u6cd5\u80fd\u8b93\u7372\u5229\u6f5b\u529b\u8b8a\u5927\uff0c\u4f46\u98a8\u96aa\u4e5f\u8ddf\u8457\u4f86\u3002<\/p>\n

\u878d\u8cc7\u7684\u6838\u5fc3\u5728\u65bc\u69d3\u687f\u6548\u61c9\u3002\u80a1\u50f9\u6f32\u7684\u6642\u5019\uff0c\u4f60\u7684\u6536\u76ca\u6703\u52a0\u901f\uff1b\u8dcc\u7684\u6642\u5019\uff0c\u8667\u640d\u4e5f\u6703\u52a0\u5287\u3002\u60f3\u73a9\u4fe1\u7528\u4ea4\u6613\uff0c\u5c31\u5f97\u5148\u641e\u61c2\u9019\u4e9b\u6a5f\u5236\u548c\u96b1\u85cf\u98a8\u96aa\u3002<\/p>\n

\u878d\u8cc7\u5229\u606f\u600e\u9ebc\u7b97\uff1f\u638c\u63e1\u5e74\u5229\u7387\u8207\u8a08\u606f\u5929\u6578<\/h2>\n

\u501f\u9322\u8cb7\u80a1\u7968\u807d\u8d77\u4f86\u4e0d\u932f\uff0c\u4f46\u9019\u7b46\u9322\u4e0d\u662f\u767d\u501f\u7684\u3002\u4f60\u5f97\u4ed8\u878d\u8cc7\u5229\u606f\u3002\u8a08\u7b97\u8d77\u4f86\u5f88\u6e05\u695a\uff0c\u4e3b\u8981\u770b\u878d\u8cc7\u91d1\u984d\u3001\u5e74\u5229\u7387\u548c\u8a08\u606f\u5929\u6578\u3002\u516c\u5f0f\u662f\u9019\u6a23\uff1a<\/p>\n

\u878d\u8cc7\u5229\u606f = \u878d\u8cc7\u91d1\u984d \u00d7 \u5e74\u5229\u7387 \u00d7 \u8a08\u606f\u5929\u6578 \/ 365<\/b><\/p>\n

\u53f0\u7063\u8b49\u5238\u5546\u7684\u5e74\u5229\u7387\u901a\u5e38\u57286%\u52307%\u4e4b\u9593\uff0c\u6703\u4f9d\u5238\u5546\u3001\u80a1\u7968\u7a2e\u985e\u548c\u4f60\u7684\u4fe1\u7528\u800c\u8b8a\u3002\u8a08\u606f\u5f9e\u4f60\u8cb7\u80a1\u7968\u90a3\u5929\u8d77\uff0c\u5230\u8ce3\u51fa\u6216\u9084\u6b3e\u7684\u524d\u4e00\u5929\u6b62\u3002<\/p>\n

\u70ba\u4e86\u8b93\u4f60\u66f4\u597d\u6293\u5230\u5229\u606f\u82b1\u8cbb\uff0c\u9019\u88e1\u6709\u500b\u8868\u683c\u4f8b\u5b50\uff0c\u5e74\u5229\u7387\u5047\u8a2d6.5%\uff1a<\/p>\n

\n\n\n\n\n\n\n\n\n\n\n
\u878d\u8cc7\u91d1\u984d<\/th>\n\u6301\u6709\u5929\u6578<\/th>\n\u878d\u8cc7\u5229\u606f (\u5e74\u5229\u7387 6.5%)<\/th>\n<\/tr>\n<\/thead>\n
100,000 \u5143<\/td>\n1 \u5929<\/td>\n\u7d04 17.81 \u5143<\/td>\n<\/tr>\n
100,000 \u5143<\/td>\n7 \u5929<\/td>\n\u7d04 124.66 \u5143<\/td>\n<\/tr>\n
100,000 \u5143<\/td>\n30 \u5929<\/td>\n\u7d04 534.25 \u5143<\/td>\n<\/tr>\n
500,000 \u5143<\/td>\n1 \u5929<\/td>\n\u7d04 89.04 \u5143<\/td>\n<\/tr>\n
500,000 \u5143<\/td>\n7 \u5929<\/td>\n\u7d04 623.29 \u5143<\/td>\n<\/tr>\n
500,000 \u5143<\/td>\n30 \u5929<\/td>\n\u7d04 2,671.23 \u5143<\/td>\n<\/tr>\n<\/tbody>\n<\/table>
\u4e0d\u540c\u878d\u8cc7\u91d1\u984d\u8207\u6301\u6709\u5929\u6578\u4e0b\u7684\u5229\u606f\u652f\u51fa\u7bc4\u4f8b\uff08\u5e74\u5229\u7387 6.5%\uff09<\/figcaption><\/figure>\n

\u8868\u683c\u986f\u793a\uff0c\u5373\u4fbf\u662f\u77ed\u671f\u878d\u8cc7\uff0c\u5229\u606f\u7d2f\u7a4d\u8d77\u4f86\u4e5f\u4e0d\u80fd\u5ffd\u8996\u3002\u64cd\u4f5c\u6642\uff0c\u4f60\u5f97\u628a\u9019\u7b46\u6210\u672c\u7576\u6210\u4ea4\u6613\u7684\u4e00\u90e8\u5206\uff0c\u5225\u53ea\u76ef\u8457\u80a1\u50f9\u3002<\/p>\n

\n \"\u80a1\u7968\u5e02\u5834\u5716\u8868\u66b4\u8dcc\uff0c\u4e00\u4f4d\u5c0f\u4eba\u7269\u7dca\u5f35\u89c0\u671b\u6295\u8cc7\u7e2e\u6c34\u7684\u6232\u5287\u6027\u5361\u901a\u63d2\u5716\"
\n<\/figure>\n

\u95dc\u9375\u5b89\u5168\u6307\u6a19\uff1a\u878d\u8cc7\u7dad\u6301\u7387\u8207\u65b7\u982d\u6a5f\u5236\u662f\u4ec0\u9ebc\uff1f<\/h2>\n

\u878d\u8cc7\u73a9\u8d77\u4f86\uff0c\u878d\u8cc7\u7dad\u6301\u7387\u662f\u6700\u8a72\u76ef\u7dca\u7684\u6578\u5b57\u3002\u5b83\u8861\u91cf\u4f60\u7684\u90e8\u4f4d\u6709\u591a\u7a69\uff0c\u4e5f\u8b93\u8b49\u5238\u5546\u63a7\u7ba1\u98a8\u96aa\u3002\u516c\u5f0f\u662f\uff1a<\/p>\n

\u878d\u8cc7\u7dad\u6301\u7387 = (\u80a1\u7968\u5e02\u503c + \u878d\u8cc7\u81ea\u5099\u6b3e) \/ \u878d\u8cc7\u91d1\u984d \u00d7 100%<\/b><\/p>\n

\u80a1\u50f9\u4e00\u8dcc\uff0c\u7dad\u6301\u7387\u5c31\u5f80\u4e0b\u6389\u3002\u6cd5\u898f\u8aaa\uff0c\u4f4e\u65bc130%\u6642\uff0c\u5238\u5546\u6703\u767c\u8ffd\u7e73\u4ee4\u3002\u610f\u601d\u662f\u4f60\u7684\u64d4\u4fdd\u4e0d\u5920\uff0c\u5f97\u5728\u5169\u5929\u5167\u88dc\u9322\uff0c\u628a\u7dad\u6301\u7387\u62c9\u56de130%\u4ee5\u4e0a\u3002<\/p>\n

\u8981\u662f\u6c92\u88dc\u4e0a\uff0c\u6216\u80a1\u50f9\u518d\u8dcc\uff0c\u5238\u5546\u5c31\u6703\u65b7\u982d\u3002\u65b7\u982d\u5c31\u662f\u5f37\u5236\u8ce3\u6389\u4f60\u7684\u80a1\u7968\u9084\u50b5\u3002\u9019\u5e38\u5728\u5e02\u5834\u614c\u4e82\u6216\u500b\u80a1\u5d29\u76e4\u6642\u767c\u751f\uff0c\u6295\u8cc7\u4eba\u53ef\u80fd\u640d\u5931\u6158\u91cd\uff0c\u751a\u81f3\u81ea\u5099\u6b3e\u5168\u6c92\u3002<\/p>\n

\u76e3\u63a7\u7dad\u6301\u7387\u5f88\u91cd\u8981\u3002\u5fc5\u8981\u6642\u6e1b\u78bc\u6216\u88dc\u7e73\uff0c\u5c31\u80fd\u907f\u958b\u65b7\u982d\u3002\u628a130%\u7576\u7d05\u7dda\uff0c\u65e9\u9ede\u52d5\u8d77\u4f86\u3002<\/p>\n

\u3010\u5be6\u6230\u6a21\u64ec\u3011\u7576\u80a1\u50f9\u4e0b\u8dcc\uff0c\u4f60\u7684\u878d\u8cc7\u90e8\u4f4d\u9084\u5b89\u5168\u55ce\uff1f<\/h2>\n

\u516c\u5f0f\u770b\u518d\u591a\uff0c\u4e0d\u5982\u5be6\u969b\u60c5\u5883\u4f86\u5f97\u771f\u5be6\u3002\u60f3\u50cf\u80a1\u50f9\u8dcc\u6642\uff0c\u4f60\u7684\u878d\u8cc7\u6703\u600e\u9ebc\u8b8a\uff0c\u7dad\u6301\u7387\u53c8\u8a72\u600e\u9ebc\u61c9\u5c0d\u3002<\/p>\n

\u60c5\u5883\u8a2d\u5b9a\uff1a<\/b><\/p>\n

    \n
  • \u4f60\u4ee5\u6bcf\u80a1 100 \u5143\u7684\u50f9\u683c\uff0c\u878d\u8cc7\u8cb7\u9032 10 \u5f35\u4e0a\u5e02\u80a1\u7968\u3002<\/li>\n
  • \u878d\u8cc7\u6210\u6578 6 \u6210\uff0c\u81ea\u5099\u6b3e 4 \u6210\u3002<\/li>\n
  • \u81ea\u5099\u6b3e\uff1a100 \u5143\/\u80a1 \u00d7 10,000 \u80a1 \u00d7 40% = 400,000 \u5143<\/li>\n
  • \u878d\u8cc7\u91d1\u984d\uff1a100 \u5143\/\u80a1 \u00d7 10,000 \u80a1 \u00d7 60% = 600,000 \u5143<\/li>\n
  • \u7e3d\u5e02\u503c\uff1a1,000,000 \u5143<\/li>\n
  • \u521d\u59cb\u7dad\u6301\u7387\uff1a(1,000,000 + 400,000) \/ 600,000 = 1,400,000 \/ 600,000 \u2248 233%<\/li>\n<\/ul>\n

    \u73fe\u5728\u770b\u80a1\u50f9\u8dcc\u6642\u7684\u8b8a\u5316\uff1a<\/p>\n

    \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
    \u80a1\u50f9 (\u6bcf\u80a1)<\/th>\n\u80a1\u7968\u5e02\u503c<\/th>\n\u81ea\u5099\u6b3e + \u5e02\u503c<\/th>\n\u878d\u8cc7\u7dad\u6301\u7387<\/th>\n\u72c0\u614b<\/th>\n<\/tr>\n<\/thead>\n
    100 \u5143<\/td>\n1,000,000 \u5143<\/td>\n1,400,000 \u5143<\/td>\n233%<\/td>\n\u5b89\u5168<\/td>\n<\/tr>\n
    90 \u5143<\/td>\n900,000 \u5143<\/td>\n1,300,000 \u5143<\/td>\n216%<\/td>\n\u5b89\u5168<\/td>\n<\/tr>\n
    80 \u5143<\/td>\n800,000 \u5143<\/td>\n1,200,000 \u5143<\/td>\n200%<\/td>\n\u5b89\u5168<\/td>\n<\/tr>\n
    70 \u5143<\/td>\n700,000 \u5143<\/td>\n1,100,000 \u5143<\/td>\n183%<\/td>\n\u5b89\u5168<\/td>\n<\/tr>\n
    60 \u5143<\/td>\n600,000 \u5143<\/td>\n1,000,000 \u5143<\/td>\n166%<\/td>\n\u6ce8\u610f<\/td>\n<\/tr>\n
    52 \u5143<\/td>\n520,000 \u5143<\/td>\n920,000 \u5143<\/td>\n153%<\/td>\n\u8b66\u6212<\/td>\n<\/tr>\n
    46 \u5143<\/td>\n460,000 \u5143<\/td>\n860,000 \u5143<\/td>\n143%<\/td>\n\u9ad8\u5ea6\u8b66\u6212<\/td>\n<\/tr>\n
    40 \u5143<\/td>\n400,000 \u5143<\/td>\n800,000 \u5143<\/td>\n133%<\/td>\n\u6975\u5ea6\u8b66\u6212<\/td>\n<\/tr>\n
    39 \u5143<\/td>\n390,000 \u5143<\/td>\n790,000 \u5143<\/td>\n131%<\/td>\n\u767c\u51fa\u8ffd\u7e73\u4ee4\uff01<\/b><\/td>\n<\/tr>\n
    38 \u5143<\/td>\n380,000 \u5143<\/td>\n780,000 \u5143<\/td>\n130%<\/td>\n\u65b7\u982d\u7d05\u7dda\uff01<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>
    \u80a1\u50f9\u4e0b\u8dcc\u5c0d\u878d\u8cc7\u7dad\u6301\u7387\u7684\u5f71\u97ff\u6a21\u64ec<\/figcaption><\/figure>\n

    \u6a21\u64ec\u986f\u793a\uff0c\u80a1\u50f9\u5f9e100\u5143\u6389\u523039\u5143\uff0c\u7dad\u6301\u7387\u5c31\u89f8\u767c\u8ffd\u7e73\u3002\u4f60\u5f97\u8d95\u7dca\u88dc\u9322\uff0c\u4e0d\u7136\u80a1\u7968\u88ab\u8ce3\u3002\u5c0d\u6563\u6236\u4f86\u8aaa\uff0c\u6700\u597d\u6709\u500b\u5b89\u5168\u908a\u969b\u6e05\u55ae\u3002\u5225\u7b49\u5230130%\u624d\u52d5\u624b\uff0c\u7dad\u6301\u7387\u5230150%\u6216160%\u6642\uff0c\u5c31\u6e1b\u6301\u90e8\u5206\u80a1\u7968\uff0c\u907f\u958b\u88ab\u52d5\u65b7\u982d\u3002<\/p>\n

    \n \"\u4e00\u4f4d\u8b39\u614e\u6295\u8cc7\u4eba\u5e73\u8861\u6210\u9577\u5716\u8868\u8207\u98a8\u96aa\u96f2\u6735\uff0c\u81ea\u4fe1\u8868\u60c5\u7684\u5c0d\u6bd4\u63d2\u5716\"
    \n<\/figure>\n

    \u878d\u8cc7 vs. \u878d\u5238\uff1a\u5169\u8005\u6709\u4ec0\u9ebc\u5dee\u5225\uff1f<\/h2>\n

    \u4fe1\u7528\u4ea4\u6613\u4e0d\u53ea\u878d\u8cc7\uff0c\u9084\u6709\u878d\u5238\u3002\u5169\u8005\u90fd\u501f\u6771\u897f\u4ea4\u6613\uff0c\u4f46\u65b9\u5411\u548c\u76ee\u7684\u5927\u4e0d\u540c\u3002\u641e\u6e05\u695a\u5dee\u5225\uff0c\u80fd\u8b93\u4f60\u66f4\u9748\u6d3b\u7528\u9019\u4e9b\u5de5\u5177\u3002<\/p>\n

    \u9019\u8868\u683c\u5217\u51fa\u878d\u8cc7\u548c\u878d\u5238\u7684\u8981\u9ede\uff1a<\/p>\n

    \n\n\n\n\n\n\n\n\n\n\n\n
    \u9805\u76ee<\/th>\n\u878d\u8cc7 (\u501f\u9322\u8cb7\u80a1)<\/th>\n\u878d\u5238 (\u501f\u80a1\u8ce3\u51fa)<\/th>\n<\/tr>\n<\/thead>\n
    \u64cd\u4f5c\u76ee\u7684<\/b><\/td>\n\u770b\u597d\u80a1\u50f9\u672a\u4f86\u6703\u4e0a\u6f32\uff0c\u85c9\u7531\u501f\u9322\u8cb7\u80a1\u4f86\u653e\u5927\u7372\u5229\u3002<\/td>\n\u770b\u58de\u80a1\u50f9\u672a\u4f86\u6703\u4e0b\u8dcc\uff0c\u85c9\u7531\u501f\u80a1\u5148\u8ce3\u51fa\uff0c\u5f85\u8dcc\u50f9\u5f8c\u518d\u8cb7\u56de\u9084\u5238\u8cfa\u53d6\u50f9\u5dee\u3002<\/td>\n<\/tr>\n
    \u64cd\u4f5c\u65b9\u5411<\/b><\/td>\n\u8cb7\u9032 (\u505a\u591a)<\/td>\n\u8ce3\u51fa (\u505a\u7a7a)<\/td>\n<\/tr>\n
    \u5411\u8ab0\u501f<\/b><\/td>\n\u5411\u8b49\u5238\u5546\u501f\u300c\u9322\u300d<\/td>\n\u5411\u8b49\u5238\u5546\u501f\u300c\u80a1\u7968\u300d<\/td>\n<\/tr>\n
    \u6240\u9700\u8cc7\u91d1\/\u80a1\u7968<\/b><\/td>\n\u9700\u81ea\u5099\u90e8\u5206\u8cc7\u91d1 (\u81ea\u5099\u6b3e)<\/td>\n\u9700\u7e73\u4ea4\u4fdd\u8b49\u91d1 (\u901a\u5e38\u662f\u8ce3\u51fa\u50f9\u683c\u7684\u4e5d\u6210)<\/td>\n<\/tr>\n
    \u6210\u672c<\/b><\/td>\n\u652f\u4ed8\u300c\u878d\u8cc7\u5229\u606f\u300d<\/td>\n\u652f\u4ed8\u300c\u878d\u5238\u624b\u7e8c\u8cbb\u300d\u3001\u300c\u501f\u5238\u8cbb\u300d\u548c\u300c\u878d\u5238\u5229\u606f\u300d (\u6709\u6642\u6703\u6536\u53d6)<\/td>\n<\/tr>\n
    \u98a8\u96aa<\/b><\/td>\n\u80a1\u50f9\u4e0b\u8dcc\uff0c\u53ef\u80fd\u9762\u81e8\u8ffd\u7e73\u6216\u65b7\u982d\u3002<\/td>\n\u80a1\u50f9\u4e0a\u6f32\uff0c\u53ef\u80fd\u9762\u81e8\u8ffd\u7e73\u6216\u5f37\u5236\u56de\u88dc\u3002<\/td>\n<\/tr>\n
    \u4e3b\u8981\u61c9\u7528<\/b><\/td>\n\u5e02\u5834\u591a\u982d\u884c\u60c5\uff0c\u770b\u597d\u500b\u80a1\u8868\u73fe\u3002<\/td>\n\u5e02\u5834\u7a7a\u982d\u884c\u60c5\uff0c\u6216\u8a8d\u70ba\u7279\u5b9a\u500b\u80a1\u88ab\u9ad8\u4f30\u3002<\/td>\n<\/tr>\n<\/tbody>\n<\/table>
    \u878d\u8cc7\u8207\u878d\u5238\u7684\u5dee\u7570\u6bd4\u8f03\u8868<\/figcaption><\/figure>\n

    \u878d\u8cc7\u662f\u5148\u8cb7\u5f8c\u8ce3\uff0c\u5f9e\u6f32\u52e2\u8cfa\u9322\uff1b\u878d\u5238\u5247\u5148\u8ce3\u5f8c\u8cb7\uff0c\u5f9e\u8dcc\u52e2\u7372\u5229\u3002\u5169\u7a2e\u90fd\u6709\u69d3\u687f\uff0c\u80fd\u653e\u5927\u76c8\u8667\u3002\u9078\u54ea\u500b\uff0c\u5f97\u770b\u4f60\u5c0d\u5e02\u5834\u548c\u500b\u80a1\u7684\u5224\u65b7\uff0c\u52a0\u4e0a\u81ea\u5df1\u7684\u98a8\u96aa\u8010\u53d7\u5ea6\u3002<\/p>\n

    \u878d\u8cc7\u7684\u512a\u7f3a\u9ede\u5206\u6790\uff1a\u8ab0\u9069\u5408\u4f7f\u7528\u4fe1\u7528\u4ea4\u6613\uff1f<\/h2>\n

    \u878d\u8cc7\u50cf\u628a\u96d9\u5203\u528d\uff0c\u80fd\u64f4\u5927\u7372\u5229\uff0c\u4e5f\u53ef\u80fd\u52a0\u500d\u8667\u640d\u3002\u60f3\u7528\u524d\uff0c\u5148\u770b\u6e05\u5b83\u7684\u597d\u58de\u3002<\/p>\n

    \u878d\u8cc7\u7684\u512a\u9ede\uff1a<\/h3>\n
      \n
    • \u653e\u5927\u7372\u5229\uff1a<\/b> \u6700\u660e\u986f\u7684\u597d\u8655\u3002\u770b\u597d\u80a1\u7968\u6f32\uff0c\u5c31\u501f\u9322\u591a\u8cb7\u3002\u8209\u4f8b\uff0c\u81ea\u509940\u842c\u8cb7100\u842c\u80a1\u7968\uff0c\u6f3210%\uff0c\u4f60\u8cfa10\u842c\uff0c\u5831\u916c\u7387\u5c0d\u81ea\u5099\u6b3e\u662f25%\u3002<\/li>\n
    • \u8cc7\u91d1\u5f48\u6027\uff1a<\/b> \u9322\u4e0d\u5920\u6642\uff0c\u4e5f\u80fd\u6293\u6a5f\u6703\uff0c\u63d0\u9ad8\u9322\u7684\u6548\u7387\u3002<\/li>\n
    • \u77ed\u671f\u64cd\u4f5c\uff1a<\/b> \u77ed\u7dda\u73a9\u5bb6\u611b\u7528\uff0c\u80fd\u5feb\u901f\u9032\u51fa\uff0c\u9760\u5c0f\u6ce2\u52d5\u8cfa\u5dee\u50f9\uff0c\u4e0d\u7528\u7838\u5927\u9322\u3002<\/li>\n<\/ul>\n

      \u878d\u8cc7\u7684\u7f3a\u9ede\uff1a<\/h3>\n
        \n
      • \u5229\u606f\u4fb5\u8755\uff1a<\/b> \u501f\u9322\u5f97\u4ed8\u606f\uff0c\u80a1\u7968\u4e0d\u52d5\u4e5f\u6703\u7d2f\u7a4d\u3002\u9577\u671f\u6301\u6709\u53ef\u80fd\u5403\u6389\u7372\u5229\uff0c\u8b8a\u8667\u3002<\/li>\n
      • \u8667\u640d\u52a0\u500d\uff1a<\/b> \u69d3\u687f\u96d9\u9762\u5203\u3002\u8dcc\u6642\u8667\u66f4\u591a\uff0c\u4e0d\u505c\u640d\uff0c\u81ea\u5099\u6b3e\u53ef\u80fd\u98db\u6389\uff0c\u751a\u81f3\u65b7\u982d\u3002<\/li>\n
      • \u5fc3\u7406\u58d3\u529b\uff1a<\/b> \u5229\u606f\u548c\u65b7\u982d\u98a8\u96aa\u5927\uff0c\u5bb9\u6613\u5f71\u97ff\u5224\u65b7\u3002<\/li>\n
      • \u5e02\u5834\u98a8\u96aa\uff1a<\/b> \u80a1\u707d\u4f86\u6642\uff0c\u80a1\u7968\u9f4a\u8dcc\uff0c\u7dad\u6301\u7387\u5d29\uff0c\u96c6\u9ad4\u65b7\u982d\u53ef\u80fd\u767c\u751f\u3002<\/li>\n<\/ul>\n

        \u8ab0\u9069\u5408\u4f7f\u7528\u878d\u8cc7\uff1f<\/h3>\n

        \u4e0d\u662f\u4eba\u4eba\u9069\u5408\u3002\u6700\u597d\u662f\u9019\u4e9b\u985e\u578b\uff1a<\/p>\n

          \n
        • \u5c0d\u5e02\u5834\u6709\u6df1\u5165\u7814\u7a76\uff1a<\/b> \u61c2\u57fa\u672c\u9762\u3001\u6280\u8853\u9762\uff0c\u80fd\u6e96\u5224\u8da8\u52e2\u3002<\/li>\n
        • \u5177\u5099\u56b4\u683c\u7684\u98a8\u96aa\u63a7\u7ba1\u80fd\u529b\uff1a<\/b> \u6709\u505c\u640d\u9ede\uff0c\u56b4\u683c\u57f7\u884c\uff0c\u4e0d\u51f9\u55ae\u3002<\/li>\n
        • \u8cc7\u91d1\u5145\u88d5\uff1a<\/b> \u7528\u878d\u8cc7\u9084\u6709\u5099\u7528\u9322\uff0c\u61c9\u4ed8\u8ffd\u7e73\u6216\u8b8a\u5316\u3002<\/li>\n
        • \u5fc3\u7406\u7d20\u8cea\u5f37\u5927\uff1a<\/b> \u625b\u5f97\u4f4f\u58d3\u529b\uff0c\u4e0d\u56e0\u6ce2\u52d5\u4e82\u4f86\u3002<\/li>\n
        • \u504f\u5411\u77ed\u671f\u64cd\u4f5c\uff1a<\/b> \u5229\u606f\u8cb4\uff0c\u9069\u5408\u77ed\u4e2d\u671f\u7684\uff0c\u4e0d\u5b9c\u9577\u671f\u3002<\/li>\n<\/ul>\n

          \u878d\u8cc7\u9ad8\u98a8\u96aa\u9ad8\u5831\u916c\u3002\u65b0\u624b\u6216\u98a8\u96aa\u4f4e\u8010\u53d7\u8005\uff0c\u5148\u7528\u81ea\u6709\u8cc7\u91d1\u7df4\u624b\uff0c\u7d93\u9a57\u5920\u4e86\u518d\u8a66\u3002<\/p>\n

          \u5e38\u898b\u554f\u984c FAQ\uff08\u53f0\u7063\u6295\u8cc7\u8005\u95dc\u5fc3\u7684\u9577\u5c3e\u554f\u984c\uff09<\/h2>\n
          \n
          \n

          \u878d\u8cc7\u5229\u606f\u662f\u591a\u5c11\uff1f<\/h3>\n
          \n

          \u53f0\u7063\u8b49\u5238\u5546\u7684\u878d\u8cc7\u5e74\u5229\u7387\u7d04\u57286%\u52307%\u4e4b\u9593\uff0c\u5be6\u969b\u6703\u4f9d\u5238\u5546\u3001\u80a1\u7968\u6a19\u7684\u6216\u4f60\u7684\u4fe1\u7528\u800c\u7570\u3002\u5229\u606f\u6309\u501f\u6b3e\u5929\u6578\u7b97\u3002<\/p>\n<\/p><\/div>\n<\/p><\/div>\n

          \n

          \u878d\u8cc7\u5229\u606f\u9ad8\u55ce\uff1f<\/h3>\n
          \n

          \u6bd4\u9280\u884c\u500b\u4eba\u4fe1\u8cb8\u6216\u623f\u8cb8\u9ad8\u3002\u878d\u8cc7\u4e0d\u5b9c\u9577\u671f\u7528\uff0c\u6301\u4e45\u6703\u63a8\u9ad8\u6210\u672c\uff0c\u5403\u6389\u7372\u5229\u3002<\/p>\n<\/p><\/div>\n<\/p><\/div>\n

          \n

          \u878d\u8cc7\u53ef\u4ee5\u653e\u5e7e\u5929\uff1f<\/h3>\n
          \n

          \u6700\u9577\u4e00\u5e74\u3002\u5230\u671f\u524d\u53ef\u5411\u5238\u5546\u5c55\u5ef6\u4e00\u6b21\uff0c\u518d\u5ef6\u4e00\u5e74\uff0c\u7e3d\u5171\u5169\u5e74\u3002\u4f46\u5229\u606f\u6210\u672c\u5f97\u8003\u616e\u3002<\/p>\n<\/p><\/div>\n<\/p><\/div>\n

          \n

          \u878d\u8cc7\u5e7e\u8db4\u6703\u65b7\u982d\uff1f<\/h3>\n
          \n

          \u7dad\u6301\u7387\u4f4e\u65bc130%\u6642\uff0c\u5238\u5546\u767c\u8ffd\u7e73\u901a\u77e5\u3002\u6c92\u88dc\u5230130%\u4ee5\u4e0a\uff0c\u5c31\u5f37\u5236\u8ce3\u80a1\u7968\u65b7\u982d\u3002<\/p>\n<\/p><\/div>\n<\/p><\/div>\n

          \n

          \u878d\u8cc7\u4e00\u5929\u5229\u606f\u600e\u9ebc\u7b97\uff1f<\/h3>\n
          \n

          \u516c\u5f0f\u662f(\u878d\u8cc7\u91d1\u984d \u00d7 \u5e74\u5229\u7387) \/ 365<\/b>\u3002\u598210\u842c\u5143\u30016.5%\uff0c\u4e00\u5929\u7d04(100,000 \u00d7 0.065) \/ 365 \u2248 17.81\u5143\u3002<\/p>\n<\/p><\/div>\n<\/p><\/div>\n

          \n

          \u878d\u8cc7\u65b7\u982d\u6703\u600e\u6a23\uff1f<\/h3>\n
          \n

          \u5238\u5546\u4ee5\u5e02\u50f9\u5f37\u8ce3\u80a1\u7968\u9084\u50b5\u3002\u82e5\u4e0d\u5920\uff0c\u9084\u8ffd\u5dee\u984d\u3002\u65b7\u982d\u5e38\u9020\u6210\u5927\u8667\uff0c\u751a\u81f3\u81ea\u5099\u6b3e\u5168\u4e1f\u3002<\/p>\n<\/p><\/div>\n<\/p><\/div>\n

          \n

          \u878d\u8cc7\u53ef\u4ee5\u53ea\u9084\u5229\u606f\u55ce\uff1f<\/h3>\n
          \n

          \u4e0d\u884c\u3002\u5229\u606f\u8ddf\u672c\u91d1\u4e00\u8d77\u7b97\uff0c\u4e0d\u55ae\u6536\u3002\u8ce3\u80a1\u7968\u6216\u5c55\u5ef6\u6642\u624d\u7d50\u3002<\/p>\n<\/p><\/div>\n<\/p><\/div>\n

          \n

          \u5982\u4f55\u67e5\u8a62\u6211\u7684\u878d\u8cc7\u7dad\u6301\u7387\uff1f<\/h3>\n
          \n

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