{"id":45003,"date":"2013-08-24T20:33:17","date_gmt":"2013-08-25T01:33:17","guid":{"rendered":"http:\/\/blog.jackjia.com\/?p=45003"},"modified":"2013-08-25T20:52:48","modified_gmt":"2013-08-26T01:52:48","slug":"20130824%e8%bd%a6%e4%bf%9d%e9%99%8d15-%e5%ae%89%e7%9c%812%e5%b9%b4%e5%88%86%e6%ae%b5%e8%be%be%e6%a0%87","status":"publish","type":"post","link":"https:\/\/blog.jackjia.com\/?p=45003","title":{"rendered":"20130824\/\u8f66\u4fdd\u964d15% \u5b89\u77012\u5e74\u5206\u6bb5\u8fbe\u6807"},"content":{"rendered":"

-\u8f66\u4fdd\u964d15% \u5b89\u77012\u5e74\u5206\u6bb5\u8fbe\u6807
\n-\u8f66\u4fdd\u8d39\u660e\u5e74\u5148\u51cf8%
\n-\u4e24\u5e74\u51cf15%\u8f66\u4fdd\u8d39 \u5fe7\u64cd\u4e4b\u8fc7\u6025\u6253\u51fb\u4fdd\u9669\u4e1a
\n-\u8f66\u4fdd\u8d39\u6709\u671b\u4e24\u5e74\u51cf15%
\n-\u4e1a\u754c\u5fe7\u8651\u56de\u62a5\u4e0b\u964d \u4fdd\u9669\u516c\u53f8\u4e0d\u505a\u8f66\u4fdd<\/p>\n

\n

\u8f66\u4fdd\u964d15% \u5b89\u77012\u5e74\u5206\u6bb5\u8fbe\u6807<\/strong><\/p>\n

\u4e16\u754c\u65e5\u62a5\/\u5b89\u7701\u653f\u5e9c23\u65e5\u5ba3\u5e03\uff0c\u6b63\u5728\u91c7\u53d6\u8fde\u4e32\u63aa\u65bd\uff0c\u4ee5\u671f\u4e8e\u4e24\u5e74\u5185\u5c06\u6c7d\u8f66\u4fdd\u9669\u51cf\u4f4e15%\uff0c\u4fdd\u969c\u6d88\u8d39\u8005\u5e76\u5e2e\u52a9\u4ed6\u4eec\u524a\u51cf\u8fd9\u65b9\u9762\u7684\u5f00\u652f\u3002\u5b89\u7701\u8d22\u653f\u5385\u5385\u957f\u82cf\u5584\u6c11\uff08Charles Sousa\uff09\u6628\u5929\u8868\u793a\uff0c\u6839\u636e\u7701\u5e9c\u7684\u8ba1\u5212\uff0c\u5934\u4e00\u5e74\u7684\u76ee\u6807\u662f\u5c06\u8f66\u4fdd\u51cf\u4f4e8%\uff0c\u5176\u4f597%\u5c06\u5728\u7b2c\u4e8c\u5e74\u5185\u8fbe\u6210\uff0c\u6b64\u5916\u6709\u8ba1\u5212\u5e2e\u52a9\u4e1a\u754c\u524a\u51cf\u6210\u672c\uff0c\u5e76\u5c06\u8282\u7701\u4e0b\u6765\u7684\u5f00\u652f\u8f6c\u7ed9\u6d88\u8d39\u8005\u53d7\u60e0\uff0c\u786e\u4fdd\u5168\u7701\u5404\u5730\u7684\u6c7d\u8f66\u8d39\u516c\u5e73\u6536\u53d6\u3002<\/p>\n

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\u6388\u6743\u8d22\u52a1\u76d1\u7763\uff08Superintendent of Financial Services\uff09\uff0c\u89c4\u5b9a\u4fdd\u9669\u516c\u53f8\u91cd\u65b0\u63d0\u4ea4\u6240\u8ba2\u4fdd\u7387\uff1b\u7ee7\u7eed\u6253\u51fb\u8bc8\u9a97\uff0c\u5305\u62ec\u53d1\u724c\u7ed9\u5411\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\u5f00\u51fa\u6536\u8d39\u5355\u7684\u8bca\u6240\uff0c\u4ee5\u4fbf\u76d1\u5bdf\u8fd0\u4f5c\uff1b\u4fc3\u4f7f\u6709\u5173\u610f\u5916\u8865\u507f\u4e0e\u6cbb\u7597\u7b49\u7684\u201c\u8d22\u52a1\u76d1\u7763\u6307\u5f15\u201d\uff08Superintendent’s Guidelines\uff09\u5177\u6709\u7ea6\u675f\u529b\uff0c\u4ee5\u51cf\u4f4e\u51fa\u4e4e\u9884\u6599\u7684\u6210\u672c\u5f00\u652f\uff1b\u63a2\u8ba8\u5176\u4ed6\u53ef\u4ee5\u964d\u4f4e\u6210\u672c\u7684\u63aa\u65bd\uff0c\u5305\u62ec\u7701\u5e9c\u76d1\u7ba1\u62d6\u8f66\u4e1a\uff0c\u4ee5\u53ca\u89e3\u51b3\u649e\u8f66\u540e\u7684\u4fee\u7406\u95ee\u9898\uff1b\u7ee7\u7eed\u8981\u6c42\u4fdd\u9669\u516c\u53f8\uff0c\u51cf\u4f4e\u9a7e\u9a76\u7eaa\u5f55\u826f\u597d\u7684\u53f8\u673a\u51cf\u7684\u8f66\u4fdd\uff1b\u81f4\u529b\u786e\u4fdd\u5b89\u7701\u6240\u6709\u5730\u533a\uff0c\u90fd\u53ef\u53d7\u60e0\u4e8e\u8282\u7701\u4e0b\u6765\u7684\u6210\u672c\u3002<\/p>\n

\u9664\u6b64\u4e4b\u5916\uff0c\u7701\u5e9c\u8fd8\u4f1a\u5728\u6709\u9700\u8981\u65f6\uff0c\u91c7\u53d6\u5fc5\u987b\u7684\u8fdb\u4e00\u6b65\u884c\u52a8\uff0c\u4ee5\u8fbe\u5230\u5728\u4e24\u5e74\u5185\u524a\u51cf\u8f66\u4fdd15%\u7684\u76ee\u6807\u3002\u7701\u5e9c\u79f0\uff0c\u65e9\u4e8e2010\u5e749\u6708\u7701\u5e9c\u4e3a\u7a33\u5b9a\u6c7d\u8f66\u4fdd\u8d39\u7684\u4fdd\u7387\uff0c\u5bf9\u5305\u62ec\u524a\u51cf\u6210\u672c\u3001\u589e\u52a0\u6d88\u8d39\u8005\u7684\u9009\u62e9\u4ee5\u53ca\u786e\u4fdd\u610f\u5916\u53d7\u4f24\u8005\u5c3d\u5feb\u5f97\u5230\u533b\u7597\u62a4\u7406\u3001\u7b80\u5316\u884c\u653f\u53ca\u62d6\u7d2f\u6574\u4e2a\u884c\u4e1a\u7cfb\u7edf\u7a0b\u5e8f\u7b49\u65b9\u9762\u8fdb\u884c\u4e86\u6539\u9769\u3002<\/p>\n

\u7701\u5e9c\u6307\u51fa\uff0c\u4e0a\u8ff0\u6539\u9769\u63aa\u65bd\u4e5f\u662f\u7701\u5e9c\u5168\u9762\u65bd\u653f\u65b9\u9488\u7684\u4e00\u4e2a\u73af\u8282\uff0c\u76ee\u7684\u662f\u786e\u4fdd\u5b89\u7701\u7684900\u4e07\u9a7e\u9a76\u8005\uff0c\u80fd\u591f\u5728\u8f66\u4fdd\u7cfb\u7edf\u5185\u5f97\u5230\u516c\u5e73\u7684\u5bf9\u5f85\u4ee5\u53ca\u8d1f\u62c5\u5f97\u8d77\uff0c\u751f\u6d3b\u7a33\u5b9a\u800c\u6109\u5feb\u3002<\/p>\n

\u82cf\u5584\u6c11\u8bf4\uff0c\u5b89\u7701\u653f\u5e9c\u6709\u4e2a\u5177\u4f53\u7684\u8ba1\u5212\uff0c\u7528\u4ee5\u4fdd\u969c\u6d88\u8d39\u8005\u53ca\u5e2e\u52a9\u4ed6\u4eec\u51cf\u4f4e\u8f66\u4fdd\u7684\u5f00\u9500\u3002\u7701\u5e9c\u81f4\u529b\u524a\u51cf\u8f66\u4fdd\u7cfb\u7edf\u7684\u6210\u672c\uff0c\u5e76\u4f1a\u7ee7\u7eed\u91c7\u53d6\u8fdb\u4e00\u6b65\u7684\u884c\u52a8\uff0c\u786e\u4fdd\u8282\u7701\u4e0b\u6765\u7684\u91d1\u94b1\u4f1a\u8f6c\u7ed9\u6d88\u8d39\u8005\u3002<\/p>\n

\u4ed6\u8fd8\u8bf4\uff0c\u4e3a\u4e86\u4fdd\u8bc1\u66f4\u5927\u7684\u900f\u660e\u5ea6\u548c\u95ee\u8d23\u6027\uff0c\u72ec\u7acb\u7684\u4e13\u5bb6\u5c06\u4f5c\u8c03\u67e5\u5e76\u62a5\u544a\uff0c\u4ee5\u89c6\u8282\u7701\u4e0b\u6765\u7684\u6210\u672c\u6709\u591a\u5feb\u8f6c\u7ed9\u6d88\u8d39\u8005\u3002\u5bf9\u4e8e\u5e02\u573a\u662f\u5426\u6709\u6548\u63d0\u4f9b\u53ef\u8d1f\u62c5\u8f66\u4fdd\u7ed9\u6d88\u8d39\u8005\u7684\u95ee\u9898\uff0c\u8fd9\u4e9b\u4e13\u5bb6\u4e5f\u5c06\u8fdb\u884c\u7814\u7a76\u5e76\u4f5c\u62a5\u544a\u3002<\/p>\n

\u53e6\u5916\uff0c\u7701\u5e9c\u4e5f\u59d4\u4efb\u4e86\u524d\u4efb\u5b89\u7701\u9ad8\u7b49\u6cd5\u9662\u6cd5\u5b98 Douglas Cunningham \uff0c\u8d1f\u8d23\u68c0\u8ba8\u5b89\u7701\u8f66\u4fdd\u4e89\u8bae\u89e3\u51b3\u7684\u7cfb\u7edf\uff0c \u5e76\u4f5c\u51fa\u5efa\u8bae\u6539\u9769\u73b0\u884c\u7684\u5236\u5ea6\u3002<\/p>\n

\u8f66\u4fdd\u8d39\u660e\u5e74\u5148\u51cf8% \u7701\u5e9c\u4e0b\u4ee4\u4e24\u5e74\u5185\u5e73\u5747\u4e0b\u964d15%<\/strong><\/p>\n

(\u5b89\u7701\u5bc6\u897f\u6c99\u52a023\u65e5\u52a0\u65b0\u793e\u7535)\u5b89\u7701\u8d22\u653f\u5385\u957f\u82cf\u5584\u6c11(Charles Sousa)\u5468\u4e94\u5ba3\u5e03\uff0c\u7701\u5e9c\u4f1a\u4e0b\u4ee4\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\u524a\u51cf\u4fdd\u8d39\uff0c\u5230\u660e\u5e748\u6708\u5e73\u5747\u524a\u51cf8%\uff0c\u4e24\u5e74\u5185\u5408\u5171\u964d\u4f4e15%\u3002<\/p>\n

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\u5c06\u59d4\u76d1\u5bdf\u5458 \u786e\u4fdd\u6295\u4fdd\u4eba\u53d7\u76ca<\/p>\n

\u4ed6\u8bf4\uff0c\u7701\u5e9c2010\u5e74\u4fee\u8ba2\u89c4\u4f8b\uff0c\u524a\u51cf\u67d0\u4e9b\u9886\u57df\u7684\u798f\u5229\uff0c\u4e3a\u4e1a\u754c\u8282\u7701\u6570\u4ebf\u5143\u5f00\u652f\u3002\u7701\u5e9c\u5c06\u4f1a\u59d4\u4efb\u76d1\u5bdf\u5458\uff0c\u786e\u4fdd\u900f\u8fc7\u964d\u4f4e\u4fdd\u8d39\uff0c\u4ee4\u987e\u5ba2\u4ece\u8fd9\u7b14\u8282\u4f59\u4e2d\u53d7\u76ca\u3002<\/p>\n

\u4e0d\u8fc7\u52a0\u62ff\u5927\u4fdd\u9669\u5c40(Insurance Bureau of Canada)\u8bf4\uff0c\u653f\u5e9c\u9700\u8981\u91c7\u53d6\u66f4\u591a\u63aa\u65bd\uff0c\u51cf\u4f4e\u4e1a\u754c\u6210\u672c\uff0c\u624d\u80fd\u591f\u964d\u4f4e\u4fdd\u8d3915%\u3002\u4fdd\u9669\u5c40\u53d1\u8a00\u4eba\u5e15\u4f26\u6ce2(Ralph Palumbo)\u8bf4\uff1a\u201c\u6211\u4eec\u5e0c\u671b\uff0c\u4ed6\u4eec\u5c3d\u5feb\u5f15\u5165\u707e\u96be\u6027\u635f\u4f24\u7684\u65b0\u5b9a\u4e49\u3002\u8981\u524a\u51cf\u90e8\u5206\u4fdd\u8d39\uff0c\u4fbf\u8981\u786e\u4fdd\u4ece\u5236\u5ea6\u5185\uff0c\u5254\u9664\u4e0e\u707e\u96be\u6027\u635f\u4f24\u6709\u5173\u7684\u4e0d\u5fc5\u8981\u6210\u672c\uff0c\u4ee4\u771f\u6b63\u6709\u9700\u8981\u7684\u4eba\u5f97\u5230\u8d44\u91d1\u3002\u201d<\/p>\n

\u4fdd\u9669\u5c40\u63d0\u8bae\u91cd\u65b0\u754c\u5b9a\u707e\u96be\u6027\u635f\u4f24\u7684\u5b9a\u4e49\uff0c\u4ee3\u8868\u6c7d\u8f66\u4e8b\u6545\u53d7\u5bb3\u4eba\u7684\u5f8b\u5e08\uff0c\u5374\u6ca1\u6709\u592a\u5927\u5174\u8da3\uff0c\u56e0\u4e3a\u8fd9\u65b9\u9762\u7684\u8d54\u507f3\u5e74\u524d\u5df2\u88ab\u524a\u51cf\u3002<\/p>\n

\u65b0\u6c11\u4e3b\u515a\u8bf4\uff0c\u6c7d\u8f66\u4fdd\u8d39\u73b0\u5728\u5c31\u5e94\u8be5\u964d\u4f4e\uff0c\u800c\u4e0d\u662f\u4e24\u5e74\u540e\u3002\u65b0\u6c11\u4e3b\u515a\u8bae\u4f1a\u9886\u8896\u6bd4\u68ee(GIlles Bisson)\u8bf4\uff1a\u201c\u5f88\u96be\u76f8\u4fe1\u7701\u957f\u97e6\u6069(Kathleen Wynne)\u4f1a\u4ee5\u53f8\u673a\u5229\u76ca\u4e3a\u5148\u3002\u201d\u4fdd\u5b88\u515a\u5219\u79f0\uff0c\u82cf\u5584\u6c11\u7684\u5ba3\u5e03\uff0c\u662f\u81ea\u7531\u515a\u53e6\u4e00\u4e2a\u7a7a\u6d1e\u7684\u627f\u8bfa\u3002\u4ed6\u4eec\u7684\u8ba1\u5212\u662f\u7cbe\u7b80\u5b98\u50da\u673a\u6784\uff0c\u90a3\u624d\u662f\u964d\u4f4e\u53f8\u673a\u4fdd\u8d39\u7684\u6700\u4f73\u65b9\u6cd5\u3002<\/p>\n

\u82cf\u5584\u6c11\u8bf4\uff0c\u7701\u5e9c\u4f1a\u7ee7\u7eed\u63a2\u8ba8\u4e00\u4e9b\u95ee\u9898\uff0c\u4f8b\u5982\u7531\u7701\u5e9c\u76d1\u7ba1\u62d6\u8f66\u4e1a\uff0c\u529b\u56fe\u538b\u4f4e\u4e1a\u754c\u6210\u672c\u3002\u4ed6\u8bf4\uff0c\u5b89\u7701\u8fd9\u65b9\u9762\u7684\u6210\u672c\uff0c\u9ad8\u51fa\u5176\u4ed6\u770110\u500d\u3002\u4ed6\u4e5f\u8bf4\uff0c\u5b89\u7701\u91d1\u878d\u670d\u52a1\u59d4\u5458\u4f1a\u4f1a\u5411\u4fdd\u9669\u516c\u53f8\u53d1\u51fa\u6307\u5f15\uff0c\u6839\u636e\u76ee\u524d\u7684\u8d39\u7387\uff0c\u964d\u4f4e\u6c7d\u8f66\u4fdd\u8d39\u5e73\u574715%\u3002<\/p>\n

\u9996\u6279\u6c7d\u8f66\u4fdd\u8d39\u524a\u51cf\uff0c\u4f1a\u57282014\u5e741\u6708\u83b7\u5f97\u6279\u51c6\u3002\u7701\u5e9c\u9884\u6599\u51cf\u5e45\u4f1a\u57283%\u52305%\u4e4b\u95f4\u3002\u524a\u51cf\u4fdd\u8d3915%\uff0c\u610f\u5473\ue2e5\u5b89\u7701\u53f8\u673a\u5e73\u5747\u6bcf\u5e74\u53ef\u8282\u7701200\u5143\u3002<\/p>\n

\u4e24\u5e74\u51cf15%\u8f66\u4fdd\u8d39 \u5fe7\u64cd\u4e4b\u8fc7\u6025\u6253\u51fb\u4fdd\u9669\u4e1a<\/strong><\/p>\n

\u660e\u62a5\/\u5b89\u7701\u8d22\u653f\u5385\u957f\u82cf\u5584\u6c11\u6628\u5929\u5ba3\u5e03\u4e8e\u4e24\u5e74\u5185\u5e73\u5747\u51cf15%\u7684\u5b89\u7701\u6c7d\u8f66\u4fdd\u8d39\u3002\u4f46\u4fdd\u9669\u4e1a\u4eba\u58eb\u5219\u8ba4\u4e3a\u4e0a\u8ff0\u53ea\u662f\u4e00\u4e2a\u76ee\u6807\uff0c\u5230\u65f6\u8981\u89c6\u4e4e\u6253\u51fb\u4fdd\u9669\u8d54\u507f\u8bc8\u9a97\u53ca\u4fdd\u9669\u4e1a\u7684\u6574\u4f53\u4e1a\u7ee9\u7b49\u60c5\u51b5\uff0c\u624d\u77e5\u9053\u80fd\u5426\u8d1f\u62c5\u51cf15%\u7684\u4fdd\u8d39\u3002<\/p>\n

\u6c49\u9f99\u4fdd\u9669\u516c\u53f8\u603b\u7ecf\u7406\u690d\u661f\u5a77(\u56fe)\u5411\u672c\u62a5\u8868\u793a\uff0c\u82e5\u7701\u5e9c\u8981\u4fdd\u9669\u516c\u53f8\u4e8e\u77ed\u671f\u5185\u51cf\u4fdd\u8d3915%\uff0c\u4e00\u4e9b\u4fdd\u9669\u516c\u53f8\u53ef\u80fd\u4f1a\u611f\u5230\u65e0\u5229\u6da6\u53ef\u8a00\u800c\u642c\u79bb\u5b89\u7701\uff0c\u8f6c\u5f80\u4ed6\u7701\u8425\u4e1a\uff0c\u6545\u7701\u5e9c\u4e0d\u80fd\u64cd\u4e4b\u8fc7\u6025\u3002<\/p>\n

\u5979\u8ba4\u4e3a\uff0c\u7701\u5e9c\u6628\u5929\u63d0\u51fa\u7684\u662f\u4e2a\u76ee\u6807\uff0c\u4e24\u5e74\u540e\u8981\u770b\u4fdd\u9669\u516c\u53f8\u7684\u6574\u4f53\u4e1a\u7ee9\uff0c\u624d\u77e5\u80fd\u5426\u8d1f\u62c5\u51cf\u4fdd\u8d3915%\u3002\u4f8b\u5982\u7a81\u7136\u95f4\u67d0\u5e74\u591a\u53d1\u751f\u5929\u707e\u6a2a\u7978\uff0c\u4fdd\u9669\u516c\u53f8\u7684\u8d54\u507f\u989d\u589e\u52a0\uff0c\u4fbf\u4f1a\u5f71\u54cd\u51cf\u4fdd\u8d39\u7684\u80fd\u529b\u3002<\/p>\n

\u5979\u8bf4\uff0c\u4ee5\u524d\u7684\u4fdd\u9669\u8d54\u507f\u662f\u91c7\u53d6\u8bda\u5b9e\u5236\u5ea6\uff0c\u4f46\u6709\u6108\u6765\u6108\u591a\u4fdd\u9669\u8bc8\u9a97\u4e2a\u6848\uff0c\u800c\u5b89\u7701\u653f\u5e9c\u8fd1\u671f\u786e\u6709\u79ef\u6781\u51fa\u52a8\u6253\u51fb\u6c7d\u8f66\u4fdd\u9669\u8bc8\u9a97\u8d54\u507f\u4e2a\u6848\uff0c\u5e0c\u671b\u80fd\u7701\u56de\u8d54\u507f\u6b3e\u989d\u53bb\u51cf\u4fdd\u8d39\u3002<\/p>\n

\u8bc8\u9a97\u624b\u6cd5\u5305\u62ec\u6709\u6295\u4fdd\u4eba\u4e8e\u4ea4\u901a\u610f\u5916\u53d1\u751f\u540e\u8fd124\u4e2a\u6708\u65f6\uff0c\u624d\u5411\u649e\u8f66\u610f\u5916\u72af\u8fc7\u7684\u5bf9\u65b9\u53d1\u5f8b\u5e08\u4fe1\uff0c\u6307\u56e0\u610f\u5916\u800c\u5e26\u6765\u4e0d\u5c11\u53d7\u4f24\u53ca\u635f\u5931\uff0c\u56e0\u6b64\u8981\u6c42\u8d54\u507f\u4f8b\u5982100\u4e07\u5143\u3002\u539f\u56e0\u662f\u62bc\u540e\u8981\u6c42\u8d54\u507f\u65f6\uff0c\u4fbf\u8f83\u96be\u9a8c\u51fa\u4e4b\u524d\u7684\u4f24\u52bf\uff0c\u800c\u89c4\u4f8b\u662f\u53ef\u8ba9\u7533\u8bf7\u8005\u4e8e\u610f\u5916\u53d1\u751f\u7684\u4e24\u5e74\u5185\u7533\u8bf7\u8d54\u507f\u3002<\/p>\n

\u690d\u661f\u5a77\u7eed\u79f0\uff0c\u4fdd\u9669\u8bc8\u9a97\u4e5f\u5305\u62ec\u6709\u6295\u4fdd\u4eba\u4e8e\u610f\u5916\u53d1\u751f\u540e\u58f0\u79f0\u53d7\u4f24\u4e0d\u9002\uff0c\u8981\u6c42\u4fdd\u9669\u516c\u53f8\u8d54\u507f\u505a\u7269\u7406\u6cbb\u7597\uff0c\u4f46\u5176\u5b9e\u6bcb\u987b\u505a\u7269\u7406\u6cbb\u7597\u7684\u3002\u6709\u5f53\u4e8b\u4eba\u83b7\u4fdd\u9669\u516c\u53f8\u8d54\u507f\u505a10\u6b21\u7269\u7406\u6cbb\u7597\u65f6\uff0c\u4f1a\u4e0e\u7269\u7406\u6cbb\u7597\u4e2d\u5fc3\u5546\u8ba8\u6298\u73b0\u5206\u94b1\uff0c\u4f8b\u5982\u5f53\u4e8b\u4eba\u6536\u4e5d\uff0c\u7269\u7406\u6cbb\u7597\u4e2d\u5fc3\u5206\u4e00\uff0c\u5408\u4f5c\u8bc8\u9a97\u4fdd\u9669\u516c\u53f8\u3002<\/p>\n

\u53e6\u5916\uff0c\u4e5f\u6709\u62d6\u8f66\u516c\u53f8\u5c06\u649e\u6bc1\u6c7d\u8f66\u62d6\u5f80\u76f8\u8bc6\u7684\u4fee\u8f66\u623f\u800c\u83b7\u5f97\u56de\u4f63\uff0c\u4fee\u8f66\u623f\u5219\u5411\u4fdd\u9669\u516c\u53f8\u62a5\u5927\u6570\u83b7\u5229\uff0c\u90fd\u4ee4\u4fdd\u9669\u516c\u53f8\u635f\u5931\u3002<\/p>\n

\u52a0\u62ff\u5927\u4fdd\u9669\u5c40\u53d1\u8a00\u4eba\u57fa(Steve Kee)\u4e5f\u4f5c\u51fa\u56de\u5e94\u79f0\uff0c\u82e5\u8981\u51cf\u4fdd\u8d39\u7684\u8bdd\uff0c\u5b9a\u8981\u5148\u51cf\u5f00\u652f\u3002\u5c3d\u7ba1\u7701\u5e9c\u6709\u52a8\u624b\u6253\u51fb\u8d54\u507f\u8bc8\u9a97\uff0c\u4f46\u4ecd\u672a\u77e5\u6548\u679c\u6709\u591a\u5927\u3002<\/p>\n

\u4ed6\u8bf4\uff0c\u7701\u5e9c\u4e5f\u672a\u6709\u8be6\u7ec6\u8bf4\u660e\u5404\u9879\u6253\u51fb\u65b9\u6cd5\uff0c\u4f8b\u5982\u4e13\u8d23\u5c0f\u7ec4\u66fe\u5efa\u8bae\u76d1\u7ba1\u5bf9\u533b\u7597\u4e2d\u5fc3\u7684\u8d54\u507f\uff1b\u5ef6\u8fdf\u6d3e\u51fa\u4ef2\u88c1\u5458\u5904\u7406\u8d54\u507f\u7533\u8bf7\u4e2a\u6848\u7b49\u95ee\u9898\uff0c\u90fd\u672a\u6709\u5177\u4f53\u7684\u6539\u5584\u65b9\u6848\u3002<\/p>\n

\u4ed6\u7eed\u79f0\uff0c\u73b0\u65f6\u4fdd\u9669\u4e1a\u6bcf\u5e74\u4e8e\u8bc8\u9a97\u7684\u635f\u5931\u5e73\u5747\u8fbe16\u4ebf\u5143\uff0c\u82e5\u80fd\u7acb\u5373\u675c\u7edd\u6240\u6709\u8bc8\u9a97\uff0c\u5373\u65f6\u53ef\u51cf\u4fdd\u8d3915%\u3002<\/p>\n

\u8f66\u4fdd\u8d39\u6709\u671b\u4e24\u5e74\u51cf15%<\/strong>
\n\u52a9\u4e1a\u754c\u524a\u5f00\u652f\u2002\u79ef\u6781\u6253\u51fb\u8bc8\u9a97 <\/p>\n

\u661f\u5c9b\u65e5\u62a5\/\u5b89\u7701\u653f\u5e9c\u6628\u65e5\u5ba3\u5e03\uff0c\u7701\u5e9c\u6b63\u5728\u91c7\u53d6\u8fde\u4e32\u63aa\u65bd\uff0c\u4ee5\u671f\u4e8e\u4e24\u5e74\u5185\u5c06\u6c7d\u8f66\u4fdd\u9669\u51cf\u4f4e15%\uff0c\u4fdd\u969c\u6d88\u8d39\u8005\u5e76\u5e2e\u52a9\u4ed6\u4eec\u524a\u51cf\u8fd9\u65b9\u9762\u7684\u5f00\u652f\u3002<\/p>\n

\u5b89\u7701\u8d22\u653f\u5385\u5385\u957f\u82cf\u5584\u6c11\uff08Charles Sousa\uff09\u8868\u793a\uff0c\u6839\u636e\u7701\u5e9c\u7684\u8ba1\u5212\uff0c\u5934\u4e00\u5e74\u76ee\u6807\u662f\u5c06\u8f66\u4fdd\u51cf\u4f4e8%\uff0c\u5176\u4f597%\u5728\u7b2c\u4e8c\u5e74\u5185\u8fbe\u6210\u3002<\/p>\n

\u6b64\u5916\uff0c\u7701\u5e9c\u6709\u8ba1\u5212\u5e2e\u52a9\u4e1a\u754c\u524a\u51cf\u6210\u672c\uff0c\u5e76\u5c06\u8282\u7701\u4e0b\u6765\u7684\u5f00\u652f\u8f6c\u7ed9\u6d88\u8d39\u8005\u53d7\u60e0\uff0c\u786e\u4fdd\u5168\u7701\u5404\u5730\u7684\u6c7d\u8f66\u8d39\u516c\u5e73\u6536\u53d6\u3002 <\/p>\n

\u5bf9\u4e8e\u5982\u4f55\u8fbe\u5230\u76ee\u6807\u7684\u95ee\u9898\uff0c\u82cf\u5584\u6c11\u8868\u793a\uff0c\u5c06\u6388\u6743\u8d22\u52a1\u76d1\u7763\uff08Superintendent of Financial Services\uff09\uff0c\u89c4\u5b9a\u4fdd\u9669\u516c\u53f8\u91cd\u65b0\u63d0\u4ea4\u6240\u8ba2\u4fdd\u7387\u3002<\/p>\n

\u76d1\u5bdf\u5f00\u51fa\u6536\u8d39\u5355\u8bca\u6240<\/p>\n

\u800c\u7ee7\u7eed\u6253\u51fb\u4fdd\u9669\u8bc8\u9a97\u4e5f\u662f\u7701\u5e9c\u7684\u91cd\u70b9\u5de5\u4f5c\uff0c\u5305\u62ec\u53d1\u724c\u7ed9\u5411\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\u5f00\u51fa\u6536\u8d39\u5355\u7684\u8bca\u6240\uff0c\u4ee5\u4fbf\u76d1\u5bdf\u8fd0\u4f5c\uff0c\u800c\u6709\u5173\u610f\u5916\u8865\u507f\u4e0e\u6cbb\u7597\u7b49\u7684\u201c\u8d22\u52a1\u76d1\u7763\u6307\u5f15\u201d\uff08Superintendent’s Guidelines\uff09\u5177\u6709\u7ea6\u675f\u529b\uff0c\u4ee5\u51cf\u4f4e\u51fa\u4e4e\u9884\u6599\u7684\u6210\u672c\u5f00\u652f\u3002<\/p>\n

\u6b64\u5916\uff0c\u7701\u5e9c\u4f1a\u63a2\u8ba8\u5176\u4ed6\u53ef\u4ee5\u964d\u4f4e\u6210\u672c\u7684\u63aa\u65bd\uff0c\u5305\u62ec\u7701\u5e9c\u76d1\u7ba1\u62d6\u8f66\u4e1a\uff0c\u4ee5\u53ca\u89e3\u51b3\u649e\u8f66\u540e\u7684\u4fee\u7406\u95ee\u9898\u3002\u800c\u7701\u5e9c\u4ea6\u4f1a\u7ee7\u7eed\u8981\u6c42\u4fdd\u9669\u516c\u53f8\u51cf\u4f4e\u9a7e\u9a76\u7eaa\u5f55\u826f\u597d\u7684\u53f8\u673a\u51cf\u7684\u4fdd\u8d39\u3002 <\/p>\n

\u9664\u4e86\u4e0a\u8ff0\u63aa\u65bd\u4ee5\u5916\uff0c\u7701\u5e9c\u8fd8\u4f1a\u5728\u6709\u9700\u8981\u65f6\uff0c\u91c7\u53d6\u5fc5\u987b\u7684\u8fdb\u4e00\u6b65\u884c\u52a8\uff0c\u4ee5\u8fbe\u5230\u5728\u4e24\u5e74\u5185\u524a\u51cf\u8f66\u4fdd15%\u7684\u76ee\u6807\u3002\u4e8b\u5b9e\u4e0a\uff0c\u7701\u5e9c\u65e9\u4e8e2010\u5e749\u6708\u5df2\u4f5c\u8fc7\u6539\u9769\uff0c\u4ee5\u7a33\u5b9a\u6c7d\u8f66\u4fdd\u8d39\u7684\u4fdd\u7387\u3002\u6539\u9769\u5305\u62ec\u524a\u51cf\u6210\u672c\u3001\u589e\u52a0\u6d88\u8d39\u8005\u7684\u9009\u62e9\u4ee5\u53ca\u786e\u4fdd\u610f\u5916\u53d7\u4f24\u8005\u5c3d\u5feb\u5f97\u5230\u533b\u7597\u62a4\u7406\u3002\u6b64\u5916\u7b80\u5316\u884c\u653f\u53ca\u62d6\u7d2f\u6574\u4e2a\u884c\u4e1a\u7cfb\u7edf\u7684\u7a0b\u5e8f\u3002<\/p>\n

\u51cf\u7701\u6210\u672c\u8f6c\u7ed9\u6d88\u8d39\u8005<\/p>\n

\u4ee5\u4e0a\u7684\u6539\u9769\uff0c\u8054\u540c\u4e24\u5e74\u5185\u524a\u51cf15%\u8f66\u4fdd\u7684\u884c\u52a8\uff0c\u662f\u7701\u5e9c\u5168\u9762\u65bd\u653f\u65b9\u9488\u7684\u4e00\u4e2a\u73af\u8282\uff0c\u4ee5\u786e\u4fdd\u5b89\u7701900\u4e07\u540d\u9a7e\u9a76\u4eba\u58eb\uff0c\u80fd\u591f\u5728\u8f66\u4fdd\u7cfb\u7edf\u5185\u5f97\u5230\u516c\u5e73\u7684\u5bf9\u5f85\u4ee5\u53ca\u8d1f\u62c5\u5f97\u8d77\uff0c\u751f\u6d3b\u7a33\u5b9a\u800c\u6109\u5feb\u3002 <\/p>\n

\u82cf\u5584\u6c11\u8bf4\uff0c\u7701\u5e9c\u6709\u5177\u4f53\u8ba1\u5212\uff0c\u4ee5\u4fdd\u969c\u6d88\u8d39\u8005\u53ca\u5e2e\u52a9\u4ed6\u4eec\u51cf\u4f4e\u8f66\u4fdd\u7684\u5f00\u9500\u3002\u7701\u5e9c\u81f4\u529b\u524a\u51cf\u8f66\u4fdd\u7cfb\u7edf\u7684\u6210\u672c\uff0c\u5e76\u4f1a\u7ee7\u7eed\u91c7\u53d6\u8fdb\u4e00\u6b65\u7684\u884c\u52a8\uff0c\u786e\u4fdd\u8282\u7701\u4e0b\u6765\u7684\u91d1\u94b1\u4f1a\u8f6c\u7ed9\u6d88\u8d39\u8005\u3002 <\/p>\n

\u4e3a\u4e86\u786e\u4fdd\u66f4\u5927\u7684\u900f\u660e\u5ea6\u548c\u95ee\u8d23\u6027\uff0c\u72ec\u7acb\u7684\u4e13\u5bb6\u5c06\u4f5c\u8c03\u67e5\u5e76\u62a5\u544a\uff0c\u4ee5\u89c6\u8282\u7701\u4e0b\u6765\u7684\u6210\u672c\u6709\u591a\u5feb\u8f6c\u7ed9\u6d88\u8d39\u8005\u3002\u5bf9\u4e8e\u5e02\u573a\u662f\u5426\u6709\u6548\u63d0\u4f9b\u53ef\u8d1f\u62c5\u8f66\u4fdd\u7ed9\u6d88\u8d39\u8005\u7684\u95ee\u9898\uff0c\u8fd9\u4e9b\u4e13\u5bb6\u4e5f\u5c06\u8fdb\u884c\u7814\u7a76\u5e76\u4f5c\u62a5\u544a\u3002 <\/p>\n

\u7701\u5e9c\u4e5f\u59d4\u4efb\u4e86\u524d\u4efb\u5b89\u7701\u9ad8\u7b49\u6cd5\u9662\u6cd5\u5b98J. Douglas Cunningham\uff0c\u68c0\u8ba8\u5b89\u7701\u8f66\u4fdd\u4e89\u8bae\u89e3\u51b3\u7684\u7cfb\u7edf\uff0c\u5e76\u4f5c\u51fa\u5efa\u8bae\u6539\u9769\u73b0\u884c\u7684\u5236\u5ea6\u3002<\/p>\n

\u4e1a\u754c\u5fe7\u8651\u56de\u62a5\u4e0b\u964d \u4fdd\u9669\u516c\u53f8\u4e0d\u505a\u8f66\u4fdd<\/strong><\/p>\n

\u661f\u5c9b\u65e5\u62a5\u7279\u7ea6\u8bb0\u8005\u6768\u5a49\u6587\/\u7701\u5e9c\u5468\u4e94\u5ba3\u5e03\uff0c\u4e24\u5e74\u5185\u524a\u51cf15%\u6c7d\u8f66\u4fdd\u9669\u8d39\u7684\u76ee\u6807\u3002\u4fdd\u9669\u4e1a\u754c\u5bf9\u4e8e\u7701\u5e9c\u80fd\u5426\u8fbe\u6807\uff0c\u610f\u89c1\u7eb7\u7ead\u3002\u6709\u4e1a\u754c\u4eba\u58eb\u751a\u81f3\u62c5\u5fc3\uff0c\u53ef\u80fd\u4f1a\u51fa\u73b0\u53cd\u6548\u679c\uff0c\u4ee4\u90e8\u5206\u4fdd\u9669\u516c\u53f8\u4e0d\u518d\u505a\u8f66\u4fdd\uff0c\u53cd\u800c\u4ee4\u4fdd\u8d39\u4e0d\u8dcc\u53cd\u5347\u3002 <\/p>\n

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5\u81f310%\u8f66\u4e3b\u6ca1\u8d2d\u8f66\u4fdd<\/p>\n

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