{"id":69946,"date":"2023-03-14T12:16:50","date_gmt":"2023-03-14T17:16:50","guid":{"rendered":"https:\/\/blog.jackjia.com\/?p=69946"},"modified":"2023-03-14T12:16:50","modified_gmt":"2023-03-14T17:16:50","slug":"20230314-%e5%8a%a0%e6%8b%bf%e5%a4%a7%e9%93%b6%e8%a1%8c%e5%80%92%e9%97%ad%e7%9a%84%e5%8f%af%e8%83%bd%e6%80%a7%e6%9c%89%e5%a4%9a%e5%a4%a7%ef%bc%9f%e5%a6%82%e6%9e%9c%e5%8f%91%e7%94%9f%e4%bd%a0%e8%83%bd","status":"publish","type":"post","link":"https:\/\/blog.jackjia.com\/?p=69946","title":{"rendered":"20230314\/\u52a0\u62ff\u5927\u94f6\u884c\u5012\u95ed\u7684\u53ef\u80fd\u6027\u6709\u591a\u5927\uff1f\u5982\u679c\u53d1\u751f\u4f60\u80fd\u62ff\u56de\u591a\u5c11\u94b1\uff1f"},"content":{"rendered":"

\uff08\u661f\u661f\u751f\u6d3b\/\u6377\u514b\u4f73\uff09\u201c\u628a\u94b1\u5b58\u5728\u94f6\u884c\u91cc\u201d\u662f\u4e00\u4e2a\u4f20\u8fbe\u5b89\u5168\u611f\u7684\u77ed\u8bed\u3002\u4f46\u662f\u5f53\u94f6\u884c\u5012\u95ed\u65f6\u4f1a\u53d1\u751f\u4ec0\u4e48\uff1f\u81ea\u5df1\u80fd\u62ff\u56de\u591a\u5c11\uff1f\u5173\u4e8e\u94b1\u7684\u5b89\u5168\u6027\uff0c\u4f60\u8fd8\u771f\u9700\u8981\u4ed4\u7ec6\u4e86\u89e3\u4e00\u4e0b\u3002<\/p>\n

\u4e0a\u5468\uff0c\u7f8e\u56fd\u5f53\u5c40\u5173\u95ed\u4e86\u603b\u90e8\u4f4d\u4e8e\u52a0\u5229\u798f\u5c3c\u4e9a\u7684\u7845\u8c37\u94f6\u884c\uff08SVB\uff09\uff0c\u539f\u56e0\u662f\u56e0\u4e3a\u6324\u5151\u5bfc\u81f4\u8fd9\u5bb62000\u4ebf\u7f8e\u5143\u7684\u94f6\u884c\u6ca1\u6709\u8db3\u591f\u7684\u8d44\u91d1\u6765\u5c65\u884c\u5176\u4e49\u52a1\u3002\u90a3\u4e48\uff0c\u5982\u679c\u4e00\u5bb6\u52a0\u62ff\u5927\u94f6\u884c\u906d\u53d7\u540c\u6837\u7684\u547d\u8fd0\uff0c\u4f60\u7684\u94b1\u4f1a\u600e\u6837\uff1f<\/p>\n

\"\"<\/a><\/p>\n

\u91d1\u878d\u90ae\u62a5\uff08Financial Post\uff09\u7684Naimul Karim\u5bf9\u6b64\u8fdb\u884c\u4e86\u8c03\u67e5\u3002\u7b80\u77ed\u7684\u56de\u7b54\u53ef\u80fd\u662f\uff1a\u5728\u52a0\u62ff\u5927\uff0c\u94f6\u884c\u5b58\u6b3e\u7531\u52a0\u62ff\u5927\u5b58\u6b3e\u4fdd\u9669\u516c\u53f8\uff08CDIC\uff09\u62c5\u4fdd\uff0c\u5b58\u6b3e\u4eba\u5728\u6bcf\u5bb6\u91d1\u878d\u673a\u6784\u6bcf\u7c7b\u5b58\u6b3e\u53ef\u53d6\u56de\u7684\u91d1\u989d\u4e0a\u9650\u4e3a100,000\u5143\u3002<\/p>\n

CDIC\u662f\u4e00\u5bb6\u6210\u7acb\u4e8e1967\u5e74\u7684\u8054\u90a6\u56fd\u6709\u516c\u53f8\u3002\u76ee\u524d\u572880\u591a\u5bb6\u6210\u5458\u673a\u6784\u4e2d\u4fdd\u969c\u7ea61\u4e07\u4ebf\u5143\u7684\u5408\u683c\u5b58\u6b3e\u3002<\/p>\n

CDIC\u5c06\u5b58\u6b3e\u5206\u4e3a\u516b\u4e2a\u4e0d\u540c\u7684\u7c7b\u522b\u3002\u5b83\u4eec\u662f\uff1a<\/p>\n

\u4ee5\u4e00\u4e2a\u540d\u5b57\u6301\u6709\u7684\u5b58\u6b3e\uff1b\u4ee5\u4e0d\u6b62\u4e00\u4e2a\u540d\u5b57\u6301\u6709\u7684\u8054\u5408\u5b58\u6b3e\uff1b\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff08RRSP\uff09\uff1b\u6ce8\u518c\u9000\u4f11\u6536\u5165\u57fa\u91d1\uff08RRIF\uff09\uff1b\u514d\u7a0e\u50a8\u84c4\u8d26\u6237\uff08TFSA\uff09\uff1b\u6ce8\u518c\u6559\u80b2\u50a8\u84c4\u8ba1\u5212\uff08RESP\uff09\uff1b\u6ce8\u518c\u6b8b\u75be\u50a8\u84c4\u8ba1\u5212\uff08RDSP\uff09\uff1b\u548c\u4fe1\u6258\u5b58\u6b3e\u3002<\/p>\n

\u6839\u636eCDIC\u7684\u7f51\u7ad9\uff0c\u81ea2023\u5e744\u67081\u65e5\u8d77\uff0c\u5c06\u589e\u52a0\u53e6\u4e00\u4e2a\u7c7b\u522b\uff0c\u5373\u9996\u6b21\u7f6e\u4e1a\u50a8\u84c4\u8d26\u6237\uff08FHSA\uff09\uff0c\u4fdd\u989d\u4e5f\u9ad8\u8fbe100,000\u5143\u3002<\/p>\n

\"\"<\/a><\/p>\n

\u90a3\u4e48\u81f3\u5c11\u5728\u7406\u8bba\u4e0a\uff0c\u4e00\u4e2a\u673a\u6784\u53ef\u4ee5\u4e3a800,000\u5143\uff08\u5f88\u5feb\u5c06\u8fbe\u5230900,000\u5143\uff09\u7684\u5b58\u6b3e\u63d0\u4f9b\u4fdd\u9669\u3002\u4fdd\u9669\u8303\u56f4\u5305\u62ec\u50a8\u84c4\u548c\u652f\u7968\u8d26\u6237\u3001\u62c5\u4fdd\u6295\u8d44\u8bc1\u4e66\uff08GIC\uff09\u4ee5\u53ca\u5176\u4ed6\u5b9a\u671f\u5b58\u6b3e\u548c\u5916\u5e01\u3002\u4f46\u662f\uff0c\u5b83\u4e0d\u9002\u7528\u4e8e\u80a1\u7968\u3002<\/p>\n

\"\"<\/a><\/p>\n

\u4e3e\u4f8b\u6765\u8bf4\uff0c\u5982\u679c\u4f60\u7684RRSP\u8d26\u6237\u6301\u670920,000\u5143\u7684GIC\u300190,000\u5143\u7684\u5b9a\u671f\u5b58\u6b3e\u300150,000\u5143\u7684\u80a1\u7968\u548c\u503a\u5238\u4ee5\u53ca130,000\u5143\u7684\u4e92\u60e0\u57fa\u91d1\uff08Mutual Funds\uff09\uff0c\u5219\u53ea\u6709GIC\u548c\u5b9a\u671f\u5b58\u6b3e\u4f1a\u53d7\u4fdd\u3002\u56e0\u6b64\uff0c\u5728110,000\u5143\uff0820,000 + 90,000\uff09\u4e2d\uff0c\u53ea\u6709100,000\u5143\u4f1a\u5f97\u5230\u4fdd\u8bc1\u3002\u5982\u679c\u4f60\u5728\u53e6\u4e00\u5bb6\u94f6\u884c\u62e5\u6709\u53e6\u4e00\u4e2aRRSP\u8d26\u6237\u4e14\u6301\u6709\u5b8c\u5168\u76f8\u540c\u7684\u8d44\u4ea7\uff0c\u5219\u8be5\u8d26\u6237\u4e2d\u7684100,000\u5143\u4e5f\u5c06\u83b7\u5f97\u4fdd\u9669\u3002<\/p>\n

\u5b83\u5728\u7f8e\u56fd\u5982\u4f55\u8fd0\u4f5c\uff1f\u7f8e\u56fd\u6709\u4e00\u4e2a\u7c7b\u4f3c\u7684\u7cfb\u7edf\uff0c\u7531\u8054\u90a6\u5b58\u6b3e\u4fdd\u9669\u516c\u53f8\uff08Federal Deposit Insurance Company\uff09\u8fd0\u884c\uff0c\u8fd9\u662f\u7f8e\u56fd\u653f\u5e9c\u7684\u4e00\u4e2a\u72ec\u7acb\u673a\u6784\uff0c\u7528\u94f6\u884c\u652f\u4ed8\u7684\u8d39\u7528\u6765\u4fdd\u62a4\u50a8\u6237\u3002<\/p>\n

\u7136\u800c\uff0c\u7f8e\u56fd\u7684\u9650\u989d\u8981\u9ad8\u5f97\u591a\uff0c\u6bcf\u4e2a\u673a\u6784\u6bcf\u4e2a\u8d26\u6237\u7c7b\u578b\u7684\u9650\u989d\u4e3a250,000\u7f8e\u5143\u3002\u7f8e\u56fd\u4e5f\u6709\u4e0d\u540c\u7684\u8d26\u6237\u7c7b\u522b\u3002<\/p>\n

\u52a0\u62ff\u5927\u7684\u9650\u989d\u662f\u4e0d\u662f\u592a\u4f4e\u4e86\uff1f\u4e00\u4e9b\u7ecf\u6d4e\u5b66\u5bb6\u8ba4\u4e3a\uff0cCDIC\u5e94\u8be5\u63d0\u9ad82005\u5e74\u8bbe\u5b9a\u7684100,000\u5143\u7684\u4e0a\u9650\u3002<\/p>\n

\u201c\u8fd9\u4e2a\u6570\u5b57\u9700\u8981\u8ba4\u771f\u66f4\u65b0\uff0c\u201dHEC\u8499\u7279\u5229\u5c14\u91d1\u878d\u5b66\u526f\u6559\u6388Amir Barnea\u8bf4\u3002\u201c\u4ec5\u4ec5\u662f\u4e3a\u4e86\u8ddf\u4e0a\u901a\u8d27\u81a8\u80c0\u5c31\u5e94\u8be5\u9ad8\u51fa42%\u2026\u2026\u201d<\/p>\n

\u6839\u636e\u8fd9\u4f4d\u5b66\u8005\u7684\u8bf4\u6cd5\uff0c\u4ed6\u8ba4\u4e3a\u8fd9\u4e0d\u4f1a\u589e\u52a0\u7684\u552f\u4e00\u539f\u56e0\u662f\u56e0\u4e3aCDIC\u7684\u8d44\u91d1\u6765\u81ea\u94f6\u884c\u7684\u201c\u4fdd\u8d39\u201d\uff0c\u800c\u94f6\u884c\u201c\u4e0d\u60f3\u652f\u4ed8\u201d\u66f4\u9ad8\u7684\u4fdd\u8d39\u3002<\/p>\n

\u56fd\u9645\u6cbb\u7406\u521b\u65b0\u4e2d\u5fc3\u9ad8\u7ea7\u7814\u7a76\u5458Olaf Weber\u4e5f\u8868\u8fbe\u4e86\u540c\u6837\u7684\u770b\u6cd5\u3002\u201c\u8003\u8651\u5230\u91d1\u94b1\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\u7684\u4ef7\u503c\u2026\u2026\u589e\u52a0\u5b83\u662f\u6709\u610f\u4e49\u7684\uff0c\u201d\u4ed6\u8bf4\u3002\u201c\u8fd9\u4e2a\u76ee\u524d\u4e0d\u9ad8\u3002\u201d<\/p>\n

\u5982\u679c\u94f6\u884c\u5012\u95ed\uff0c\u5b58\u6b3e\u4eba\u80fd\u6536\u56de\u7684\u786e\u5207\u91d1\u989d\u5c06\u53d6\u51b3\u4e8e\u5176\u8d44\u4ea7\u8d1f\u503a\u8868\u4e0a\u7684\u6f0f\u6d1e\u6709\u591a\u5927\u4ee5\u53ca\u7834\u4ea7\u7a0b\u5e8f\u5982\u4f55\u8fdb\u884c\u3002<\/p>\n

Weber\u8868\u793a\uff0c\u5728\u201c\u771f\u6b63\u7684\u7d27\u6025\u60c5\u51b5\u201d\u4e0b\uff0c\u4ed6\u9884\u8ba1\u653f\u5e9c\u4f1a\u4ecb\u5165\u5e76\u786e\u4fdd\u50a8\u6237\u5f97\u5230\u8d85\u8fc7\u4fdd\u9669\u91d1\u989d\u7684\u6b3e\u9879\u3002\u8fd9\u5c31\u662f\u7f8e\u56fd\u653f\u5e9c\u5728SVB\u5173\u95ed\u540e\u6240\u505a\u7684\uff0c\u76ee\u7684\u662f\u4e3a\u91d1\u878d\u4f53\u7cfb\u5e26\u6765\u4e00\u5b9a\u7684\u7a33\u5b9a\u6027\uff0c\u5ba3\u5e03\u6240\u6709\u50a8\u6237\u5c06\u53d6\u56de\u4ed6\u4eec\u7684\u94b1\u3002<\/p>\n

\u52a0\u62ff\u5927\u94f6\u884c\u5012\u95ed\u7684\u53ef\u80fd\u6027\u6709\u591a\u5927\uff1f\u5728\u786e\u4fdd\u624b\u5934\u6709\u8db3\u591f\u8d44\u672c\u65b9\u9762\uff0c\u52a0\u62ff\u5927\u5927\u94f6\u884c\u9075\u5faa\u6bd4\u5168\u7403\u540c\u884c\u66f4\u4e25\u683c\u7684\u51c6\u5219\uff0c\u56e0\u6b64\u5927\u94f6\u884c\u5012\u95ed\u4f3c\u4e4e\u4e0d\u592a\u53ef\u80fd\u53d1\u751f\u3002<\/p>\n

\u7136\u800c\uff0cBarnea\u8868\u793a\uff0cSVB\u7684\u5173\u95ed\u63d0\u4f9b\u4e86\u4e00\u4e2a\u60f3\u6cd5\uff0c\u5373\u5982\u679c\u7c7b\u4f3c\u7684\u4e8b\u60c5\u5728\u52a0\u62ff\u5927\u53d1\u751f\uff0c\u201c\u4e8b\u60c5\u4f1a\u53d8\u5f97\u591a\u4e48\u7cdf\u7cd5\u201d\u3002<\/p>\n

\u201c\u6211\u8ba4\u4e3a\u52a0\u62ff\u5927\u94f6\u884c\u7cfb\u7edf\u8981\u7a33\u5b9a\u5f97\u591a\uff0c\u6211\u4eec\u57282008\u5e74\u7684\u91d1\u878d\u5371\u673a\u4e2d\u5c31\u770b\u5230\u4e86\u8fd9\u4e00\u70b9\uff0c\u201d\u4ed6\u8bf4\u3002\u201c\u4f46\u6beb\u65e0\u7591\u95ee\uff0c\u73b0\u5728\u5728\u52a0\u5dde\u770b\u5230\u7684\u5371\u673a\u63d0\u9192\u6211\u4eec\uff0c\u662f\u65f6\u5019\u91cd\u65b0\u5ba1\u89c6\u8fd9\u4e2a\u95ee\u9898\u4e86\uff0c\u4e00\u65e6\u5c18\u57c3\u843d\u5b9a\uff0c\u6211\u4eec\u7684\u76d1\u7ba1\u673a\u6784\u63d0\u9ad8\u8fd9\u4e00\u9650\u989d\u5c06\u975e\u5e38\u91cd\u8981\u3002\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

\uff08\u661f\u661f\u751f\u6d3b\/\u6377\u514b\u4f73\uff09\u201c\u628a\u94b1\u5b58\u5728\u94f6\u884c\u91cc\u201d\u662f\u4e00\u4e2a\u4f20\u8fbe\u5b89\u5168\u611f\u7684\u77ed\u8bed\u3002\u4f46\u662f\u5f53\u94f6\u884c\u5012\u95ed\u65f6\u4f1a\u53d1\u751f\u4ec0\u4e48\uff1f\u81ea\u5df1\u80fd\u62ff\u56de\u591a\u5c11\uff1f\u5173\u4e8e\u94b1\u7684\u5b89\u5168\u6027\uff0c\u4f60\u8fd8\u771f\u9700\u8981\u4ed4\u7ec6\u4e86\u89e3\u4e00\u4e0b\u3002 \u4e0a\u5468\uff0c\u7f8e\u56fd\u5f53\u5c40\u5173\u95ed\u4e86\u603b\u90e8\u4f4d\u4e8e\u52a0\u5229\u798f\u5c3c\u4e9a\u7684\u7845\u8c37\u94f6\u884c\uff08SVB\uff09\uff0c\u539f\u56e0\u662f\u56e0\u4e3a\u6324\u5151\u5bfc\u81f4\u8fd9\u5bb62000\u4ebf\u7f8e\u5143\u7684\u94f6\u884c\u6ca1\u6709\u8db3\u591f\u7684\u8d44\u91d1\u6765\u5c65\u884c\u5176\u4e49\u52a1\u3002\u90a3\u4e48\uff0c\u5982\u679c\u4e00\u5bb6\u52a0\u62ff\u5927\u94f6…
Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":69947,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[],"_links":{"self":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/69946"}],"collection":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=69946"}],"version-history":[{"count":1,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/69946\/revisions"}],"predecessor-version":[{"id":69950,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/69946\/revisions\/69950"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/media\/69947"}],"wp:attachment":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=69946"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=69946"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=69946"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}