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\u591a\u4f59\u4f9b\u6b3e\u6df7\u6dc6\u514d\u7a0e\u50a8\u84c4\u6237 (\u6e25\u592a\u534e12\u65e5\u52a0\u65b0\u793e\u7535)\u52a0\u62ff\u5927\u7a0e\u52a1\u5c40(CRA)\u7f51\u7ad9\u7528\u8bcd\u4e0d\u5f53\uff0c\u4ee4\u514d\u7a0e\u50a8\u84c4\u5e10\u6237(TFSA)\u8ba1\u5212(\u56fe)\u66f4\u52a0\u6df7\u6dc6\u4e0d\u6e05\uff0c\u5bfc\u81f47.2\u4e07\u4eba\u53bb\u5e74\u6536\u5230\u610f\u6599\u4e4b\u5916\u7684\u7a0e\u5355\u3002 \u7a0e\u52a1\u5c40\u7684\u5b98\u5458\u7528\u201c\u591a\u4f59\u201d(excess)\u4f9b\u6b3e\uff0c\u5f62\u5bb9\u6c11\u4f17\u5728\u4efb\u4f55\u4e00\u5e74\u5b58\u592a\u591a\u94b1\u5230\u4ed6\u4eec\u7684\u514d\u7a0e\u50a8\u84c4\u5e10\u6237\u3002 \u4f46\u4e00\u9879\u5185\u90e8\u7814\u7a76\u53d1\u73b0\uff0c\u6c11\u4f17\u5229\u7528\u8c37\u6b4c…
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