{"id":7366,"date":"2008-09-11T13:38:26","date_gmt":"2008-09-11T18:38:26","guid":{"rendered":"http:\/\/blog.jackjia.com\/?p=7366"},"modified":"2008-09-11T23:38:51","modified_gmt":"2008-09-12T04:38:51","slug":"20080911%e5%a5%96%e5%8a%b1%e5%9e%8b%e4%bf%a1%e7%94%a8%e5%8d%a1%e6%8e%a8%e5%87%ba-%e5%95%86%e6%88%b7%e6%8a%97%e5%be%81%e9%ab%98%e9%a2%9d%e5%88%b7%e5%8d%a1%e8%b4%b9","status":"publish","type":"post","link":"https:\/\/blog.jackjia.com\/?p=7366","title":{"rendered":"20080911\/\u5956\u52b1\u578b\u4fe1\u7528\u5361\u63a8\u51fa \u5546\u6237\u6297\u5f81\u9ad8\u989d\u5237\u5361\u8d39"},"content":{"rendered":"

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\u5bf9\u6b64\uff0c\u52a0\u62ff\u5927\u72ec\u7acb\u5546\u6237\u8054\u4f1a(CFIB)\u65e5\u524d\u5df2\u5728\u5168\u56fd\u5404\u5730\u53d1\u8d77\u5ba3\u4f20\u653b\u52bf\uff0c\u5e2e\u52a9\u5c5e\u4e0b\u4f1a\u5458\u548c\u5176\u4ed6\u96f6\u552e\u5546\u6df1\u5165\u4e86\u89e3\u4e0a\u8ff0\u5956\u52b1\u578b\u4fe1\u7528\u5361\u5bf9\u5546\u6237\u7684\u51b2\u51fb\uff0c\u5e76\u8bd5\u56fe\u51dd\u805a\u66f4\u591a\u7684\u529b\u91cf\u6765\u963b\u6b62\u4fe1\u7528\u5361\u516c\u53f8\u548c\u5404\u5927\u94f6\u884c\u63a8\u51fa\u4e0a\u8ff0\u4fe1\u7528\u5361\u3002<\/p>\n

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\u5237\u5361\u8d39\u589e100\u500d<\/p>\n

\u4f8b\u5982\uff0c\u6d88\u8d39\u8005\u73b0\u65f6\u4f7f\u7528\u666e\u901a\u4fe1\u7528\u5361\u8d2d\u4e701,000\u5143\u7684\u8d27\u54c1\uff0c\u5546\u6237\u5c06\u4e3a\u6b64\u652f\u4ed8\u7ea66.5\u4ed9\u7684\u5237\u5361\u8d39\u7528\u3002\u4f46\u662f\uff0c\u5982\u679c\u5237\u5361\u8d39\u7528\u4e0a\u5347\u81f30.65%\uff0c\u76f8\u5f53\u4e8e\u7f8e\u56fd\u7684\u5e73\u5747\u6c34\u5e73\uff0c\u90a3\u4e48\uff0c\u5546\u6237\u5c06\u652f\u4ed86.5\u5143\u7684\u5237\u5361\u8d39\u7528\uff0c\u662f\u539f\u5148\u7684100\u500d\u3002<\/p>\n

\u65af\u5a01\u592b\u7279\u53c8\u6307\u51fa\uff0c\u52a0\u56fd\u7684\u4fe1\u7528\u5361\u516c\u53f8\u76ee\u524d\u6b63\u51c6\u5907\u6d89\u8db3\u94f6\u884c\u5361\u5237\u5361\u4e1a\u52a1\uff0c\u8be5\u4e1a\u52a1\u73b0\u7531Interac\u7ecf\u8425\uff0c\u65e0\u8bba\u5237\u5361\u91d1\u989d\u591a\u5c11\uff0cInterac\u4ec5\u5411\u5546\u6237\u5f81\u6536\u5212\u4e00\u7684\u5237\u5361\u8d39\u7528\u3002\u4f46\u4ee4\u5979\u6df1\u611f\u62c5\u5fe7\u7684\u662f\uff0c\u4e00\u65e6\u4fe1\u7528\u5361\u516c\u53f8\u5c06\u6839\u636e\u6d88\u8d39\u91d1\u989d\u7684\u6bd4\u4f8b\u6765\u8bbe\u5b9a\u94f6\u884c\u5361\u7684\u5237\u5361\u8d39\u7528\uff0c\u5546\u6237\u52bf\u5fc5\u5c06\u88ab\u5f81\u6536\u66f4\u9ad8\u989d\u7684\u5237\u5361\u8d39\u7528\u3002<\/p>\n

\u5979\u62a8\u51fb\u8bf4\uff0c\u4fe1\u7528\u5361\u516c\u53f8\u548c\u94f6\u884c\u63a8\u51fa\u5956\u52b1\u578b\u4fe1\u7528\u5361\uff0c\u4ee5\u53ca\u4fe1\u7528\u5361\u516c\u53f8\u51c6\u5907\u6d89\u8db3\u94f6\u884c\u5361\u5237\u5361\u4e1a\u52a1\u7684\u76ee\u7684\u53ea\u6709\u4e00\u4e2a\uff0c\u90a3\u5c31\u662f\u8d5a\u53d6\u66f4\u591a\u7684\u5229\u6da6\u3002<\/p>\n

\u800c\u5bf9\u4e8e\u6d88\u8d39\u8005\u800c\u8a00\uff0c\u4ed6\u4eec\u5bf9\u5546\u6237\u6240\u906d\u53d7\u7684\u5f71\u54cd\u4e00\u65e0\u6240\u77e5\uff0c\u4e5f\u6839\u672c\u6ca1\u6709\u8981\u6c42\u83b7\u5f97\u5956\u52b1\u578b\u4fe1\u7528\u5361\u3002<\/p>\n

\u52a0\u62ff\u5927\u72ec\u7acb\u5546\u6237\u8054\u4f1a\u5206\u7ba1\u5404\u7701\u4e8b\u52a1\u7684\u8d1f\u8d23\u4eba\u4e54\u6cbb(Bardley George)\u8868\u793a\uff0c\u5546\u6237\u88ab\u5f81\u6536\u66f4\u9ad8\u989d\u7684\u5237\u5361\u8d39\u7528\uff0c\u4ee4\u5c0f\u5546\u6237\u906d\u53d7\u7684\u51b2\u51fb\u6700\u5927\u3002\u4ed6\u8bf4\uff1a\u201c\u5237\u5361\u8d39\u7528\u7684\u98da\u5347\uff0c\u52a0\u4e0a\u6c7d\u6cb9\u4ef7\u683c\u548c\u52b3\u52a8\u529b\u6210\u672c\u7684\u4e0a\u6da8\uff0c\u4ee4\u5c0f\u5546\u6237\u7684\u8d1f\u62c5\u52a0\u91cd\uff0c\u7ecf\u8425\u66f4\u52a0\u56f0\u96be\u3002\u201d<\/p>\n

\u4fe1\u7528\u5361\u6536\u8d39\u9879\u76ee\u591a \u591a\u52a0\u7559\u610f\u514d\u5931\u9884\u7b97 <\/strong><\/p>\n

\u660e\u62a5\/\u9009\u7528\u4fe1\u7528\u5361\u662f\u4e2a\u8981\u5f88\u5c0f\u5fc3\u5904\u7406\u7684\u95ee\u9898\uff0c\u90a3\u5f20\u6700\u62b5\u7528\uff1f\u90a3\u5f20\u8981\u6536\u624b\u7eed\u8d39\uff1f\u52a0\u62ff\u5927\u91d1\u878d\u6d88\u8d39\u5c40(Financial Consumer Agency of Canada)\u63d0\u9192\u6d88\u8d39\u8005\u6700\u597d\u7559\u610f\u5176\u4fe1\u7528\u5361\u6240\u6709\u8981\u6536\u8d39\u7684\u670d\u52a1\uff0c\u540c\u65f6\u8981\u77e5\u9053\u5404\u9879\u670d\u52a1\u6536\u8d39\u7684\u8ba1\u7b97\u65b9\u6cd5\uff0c\u5305\u62ec\u8d2d\u7269\u53ca\u63d0\u6b3e\u65f6\u8981\u7f34\u4ed8\u7684\u624b\u7eed\u8d39\u6216\u5229\u606f\u3002\u5c24\u5176\u662f\u6709\u4e0d\u5c11\u4eba\u5230\u5916\u56fd\u65c5\u6e38\u65f6\u4e50\u6781\u5fd8\u5f62\uff0c\u4e0d\u987e\u540e\u679c\u5730\u7528\u4fe1\u7528\u5361\u75af\u72c2\u8d2d\u7269\u53ca\u63d0\u6b3e\uff0c\u8fd4\u5bb6\u540e\u624d\u77e5\u8981\u8d1f\u62c5\u5404\u9879\u5148\u524d\u6ca1\u7559\u610f\u7684\u989d\u5916\u6536\u8d39\u3002<\/p>\n

\u8be5\u5c40\u8fd1\u65e5\u4e8e\u5176\u7f51\u7ad9\u63a8\u51fa\u66f4\u65b0\u7684\u201c\u52a0\u56fd\u4fe1\u7528\u5361\u5927\u6bd4\u62fc\u201d\u670d\u52a1\uff0c\u6d88\u8d39\u8005\u53ef\u901a\u8fc7\u8be5\u670d\u52a1\u53bb\u6bd4\u8f83\u672c\u56fd\u7ea6200\u6b3e\u4fe1\u7528\u5361\uff0c\u5305\u62ec\u5404\u5361\u7684\u5e74\u8d39\u3001\u670d\u52a1\u8d39\u3001\u5229\u606f\u3001\u514d\u8d39\u670d\u52a1\u53ca\u5956\u52b1\u7b49\uff0c\u4ece\u800c\u9009\u62e9\u6700\u5408\u7b26\u4e2a\u4eba\u9700\u8981\u7684\u4fe1\u7528\u5361\u3002<\/p>\n

\u73b0\u65f6\u5927\u90e8\u5206\u91d1\u878d\u673a\u6784\u5bf9\u7528\u6237\u5728\u5916\u56fd\u65c5\u6e38\u65f6\u7528\u4fe1\u7528\u5361\u8d2d\u7269\u7684\u6536\u8d39\u5305\u62ec\uff1a\u5404\u91d1\u878d\u673a\u6784\u6709\u81ea\u5df1\u8ba2\u4e0b\u7684\u5f53\u65e5\u5916\u5e01\u627e\u6362\u7387\uff0c\u9664\u5916\u5e01\u627e\u6362\u4f1a\u6709\u635f\u5931\u4e4b\u5916\uff0c\u4e00\u822c\u4f1a\u518d\u52a01.8\u81f32.5%\u7684\u627e\u6362\u624b\u7eed\u8d39(conversion fee)\u3002<\/p>\n

\u51fa\u56fd\u7528\u4fe1\u7528\u5361 \u670d\u52a1\u8d39\u7e41\u591a<\/p>\n

\u81f3\u4e8e\u5728\u5916\u56fd\u65c5\u6e38\u65f6\u7528\u4fe1\u7528\u5361\u63d0\u6b3e\u7684\u6536\u8d39\u5219\u5305\u62ec\uff1a\u9664\u52a01.8\u81f32.5%\u7684\u627e\u6362\u624b\u7eed\u8d39\u5916\uff0c\u518d\u52a01\u81f35\u52a0\u5143\u6216\u63d0\u6b3e\u989d1\u81f34%\u7684\u63d0\u6b3e\u670d\u52a1\u8d39(cash advance fee)\uff0c\u53e6\u63d0\u6b3e\u65f6\u5373\u5f00\u59cb\u8ba1\u7b97\u9ad8\u8fbe20%\u7684\u5229\u606f\u3002<\/p>\n

\u53e6\u5916\uff0c\u82e5\u5728\u5916\u56fd\u7528\u4fe1\u7528\u5361\u63d0\u6b3e\u6216\u8d2d\u7269\uff0c\u4f1a\u5148\u5c06\u5916\u5e01\u8f6c\u6362\u81f3\u52a0\u5e01\u540e\uff0c\u624d\u7eaa\u5f55\u4e8e\u4fe1\u7528\u5361\u5e10\u9879\u4e2d\uff0c\u4f46\u6709\u65f6\u8981\u5148\u5c06\u5916\u5e01\u627e\u6362\u4e3a\u7f8e\u5143\u540e\uff0c\u624d\u518d\u7531\u7f8e\u5143\u6362\u52a0\u5143\uff0c\u53d8\u6210\u53cc\u91cd\u635f\u5931\u3002<\/p>\n

\u6d88\u8d39\u8005\u4e5f\u5e94\u7559\u610f\uff0c\u6709\u4e9b\u4fe1\u7528\u5361\u53ef\u4e3a\u7528\u6237\u4e8e\u5916\u56fd\u65c5\u6e38\u65f6\u63d0\u4f9b\u5b8c\u5168\u4fdd\u969c(zero liability)\u6216\u8bc8\u9a97\u4fdd\u62a4\u4fdd\u8bc1(fraud protection guarantee)\uff0c\u5373\u4e8e\u4fe1\u7528\u5361\u5728\u5916\u56fd\u88ab\u76d7\u800c\u5e10\u6237\u6709\u6240\u635f\u5931\u65f6\u4e0d\u7528\u8d1f\u8d23\u3002\u7136\u800c\uff0c\u5546\u7528\u4fe1\u7528\u5361\u5219\u901a\u5e38\u4e0d\u83b7\u8be5\u7c7b\u4fdd\u969c\u3002<\/p>\n

\u52a0\u62ff\u5927\u91d1\u878d\u6d88\u8d39\u5c40\u4e13\u5458\u6587\u7948(Ursula Menke)\u8bf4\uff0c\u51fa\u56fd\u4f7f\u7528\u4fe1\u7528\u5361\u7684\u670d\u52a1\u8d39\u7e41\u591a\uff0c\u6d88\u8d39\u8005\u53ef\u6d4f\u89c8\u8be5\u673a\u6784\u7684\u7f51\u7ad9\uff1awww.fcac.gc.ca\uff0c\u67e5\u63a2\u5404\u9879\u8d39\u7528\u548c\u6311\u9009\u5404\u6b3e\u4fe1\u7528\u5361\u3002<\/p>\n

\u91d1\u878d\u6d88\u8d39\u5c40\u4e8e\u8be5\u7f51\u7ad9\u63d0\u4f9b\u6d88\u8d39\u8005\u6311\u9009\u5408\u9002\u4fe1\u7528\u5361\u8d34\u58eb\uff0c\u4f8b\u5982\u9009\u5361\u65f6\u8981\u95ee\u81ea\u5df2\uff1a(1)\u6bcf\u6708\u7528\u5361\u8d2d\u7269\u6b3e\u989d\uff1f(2)\u662f\u5426\u6bcf\u6708\u51c6\u65f6\u8fd8\u6b3e\uff1f(3)\u662f\u5426\u6253\u7b97\u4ed8\u5e74\u8d39\uff1f(4)\u80fd\u5426\u4ece\u4e00\u4e9b\u63d0\u4f9b\u5956\u52b1\u53ca\u798f\u5229\u7684\u4fe1\u7528\u5361\u4e2d\u5f97\u76ca\uff1f\u83b7\u5f97\u4fe1\u7528\u5361\u540e\u8981\u7559\u610f\u5404\u9879\u7ec6\u5219\uff0c\u5305\u62ec\uff1a\u8d2d\u7269\u548c\u63d0\u6b3e\u7684\u5229\u606f\u53ca\u8ba1\u7b97\u65b9\u6cd5\uff1b\u5e74\u8d39\u53ca\u5176\u4ed6\u6536\u8d39\uff1b\u514d\u6536\u5229\u606f\u671f\uff1b\u548c\u6bcf\u6708\u6700\u4f4e\u4ed8\u6b3e\u989d\u7b49\u3002<\/p>\n

credit_card1.jpg<\/p>\n

credit_card2.jpg<\/p>\n","protected":false},"excerpt":{"rendered":"

\u660e\u62a5\/\u52a0\u56fd\u7684\u4e3b\u8981\u4fe1\u7528\u5361\u516c\u53f8\u548c\u5404\u5927\u94f6\u884c\u73b0\u5df2\u5411\u6d88\u8d39\u8005\u63a8\u51fa\u4e00\u79cd\u5168\u65b0\u7684\u5956\u52b1\u578b\u4fe1\u7528\u5361\uff0c\u4f46\u540c\u65f6\u5411\u96f6\u552e\u5546\u5f81\u6536\u9ad8\u989d\u7684\u5237\u5361\u8d39\u7528\u3002 \u5bf9\u6b64\uff0c\u52a0\u62ff\u5927\u72ec\u7acb\u5546\u6237\u8054\u4f1a(CFIB)\u65e5\u524d\u5df2\u5728\u5168\u56fd\u5404\u5730\u53d1\u8d77\u5ba3\u4f20\u653b\u52bf\uff0c\u5e2e\u52a9\u5c5e\u4e0b\u4f1a\u5458\u548c\u5176\u4ed6\u96f6\u552e\u5546\u6df1\u5165\u4e86\u89e3\u4e0a\u8ff0\u5956\u52b1\u578b\u4fe1\u7528\u5361\u5bf9\u5546\u6237\u7684\u51b2\u51fb\uff0c\u5e76\u8bd5\u56fe\u51dd\u805a\u66f4\u591a\u7684\u529b\u91cf\u6765\u963b\u6b62\u4fe1\u7528\u5361\u516c\u53f8\u548c\u5404\u5927\u94f6\u884c\u63a8\u51fa\u4e0a\u8ff0\u4fe1\u7528\u5361…
Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[29,10],"tags":[],"_links":{"self":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/7366"}],"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=7366"}],"version-history":[{"count":0,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/7366\/revisions"}],"wp:attachment":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7366"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7366"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7366"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}