{"id":3361,"date":"2020-03-23T16:36:00","date_gmt":"2020-03-23T08:36:00","guid":{"rendered":"https:\/\/www.finmonster.com\/blog\/?p=3361"},"modified":"2021-03-04T12:28:27","modified_gmt":"2021-03-04T04:28:27","slug":"%e4%b8%8a%e6%b5%b7%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e7%9a%84%e6%95%85%e4%ba%8b-%e7%90%86%e5%bf%b5%e7%af%87","status":"publish","type":"post","link":"https:\/\/www.finmonster.com\/blog\/2020\/03\/23\/%e4%b8%8a%e6%b5%b7%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e7%9a%84%e6%95%85%e4%ba%8b-%e7%90%86%e5%bf%b5%e7%af%87\/","title":{"rendered":"\u4e2d\u570b\u773c\u4e2d\u7684\u300c\u975e\u4e2d\u8cc7\u9280\u884c\u300d- \u4e0a\u6d77\u5546\u696d\u9280\u884c\u7684\u6545\u4e8b\u2014\u7406\u5ff5\u7bc7"},"content":{"rendered":"\n<p>\u767e\u591a\u5e74\u524d\uff0c<a href=\"https:\/\/monthlyarchives.hkej.com\/template\/magazine\/jsp\/detail.jsp?journal_id=124&amp;title_id=11180\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">\u9673\u5149\u752b\u5728\u958b\u696d\u5178\u79ae\u767c\u8868\u6f14\u8aaa<\/a>\u3002\u4ed6\u8aaa\uff1a\uff62\u4e00\u570b\u5de5\u5546\u696d\u4e4b\u767c\u5c55\uff0c\u5168\u6043\u91d1\u878d\u6a5f\u69cb\u70ba\u4e4b\u6a1e\u7d10\u3002\u51e1\u4e00\u570b\u570b\u6c11\u82df\u7121\u9060\u8b58\u5927\u5fd7\uff0c\u5373\u7121\u53ef\u4ee5\u7acb\u8db3\u4e4b\u5730\u3002\u6211\u570b\u5be6\u696d\u4eca\u5728\u5e7c\u7a1a\u6642\u4ee3\uff0c\u6b32\u57f9\u690d\u4e4b \uff0c\u555f\u767c\u4e4b\uff0c\u5fc5\u7576\u5148\u6709\u5b8c\u5584\u4e4b\u91d1\u878d\u6a5f\u95dc\u300d\u3002<a href=\"http:\/\/archives.sinica.edu.tw\/?project=%E7%99%BE%E5%B9%B4%E8%80%81%E5%BA%97\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">\u4f5c\u70ba\u552f\u4e00\u5f9e\u5927\u9678\u9077\u53f0\u7684\u6c11\u71df\u9280\u884c<\/a>\uff0c\u8cb4\u70ba\u4e0a\u5546\u4e3b\u8981\u80a1\u6771<a href=\"https:\/\/www.scsb.com.tw\/econtent\/src\/2018-1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">(\u4f54\u80a1\u8fd1\u516d\u6210)<\/a>\uff0c\u5982\u4eca\u4e0a\u5546\u5132\u84c4\u5b98\u65b9\u7db2\u7ad9\u4ecd\u7136\u5beb\u4e0a\u7576\u5e74\u7684\u5275\u884c\u5b97\u65e8\uff1a<a href=\"https:\/\/www.scsb.com.tw\/content\/about\/about03.jsp\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">\u300c\u670d\u52d9\u793e\u6703\u3001\u8f14\u52a9\u5de5\u5546\u5be6\u696d\u3001\u767c\u5c55\u570b\u969b\u8cbf\u6613\u300d<\/a>\u3002\u4e5f\u5c31\u662f\u8aaa\uff0c\u9673\u5149\u752b\u958b\u8fa6\u9280\u884c\ufe51\u8a2d\u7acb\u300c\u4e2d\u570b\u7684\u6469\u6839\u300d\u7684\u5b8f\u9858\uff0c\u53ea\u662f\u624b\u6bb5\uff0c\u5176\u771f\u6b63\u7684\u76ee\u7684\uff0c\u662f\u4ee5\u9280\u884c\u878d\u8cc7\u670d\u52d9\uff0c\u4fc3\u9032\u570b\u5bb6\u5be6\u696d\u767c\u5c55\uff0c\u9020\u798f\u793e\u6703\u3002<\/p>\n\n\n\n<p>\u5982\u6211\u5011\u5728<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.finmonster.com\/blog\/2019\/08\/21\/finmonster%E7%9A%84%E6%95%85%E4%BA%8B%E4%B8%80\/\" target=\"_blank\">\u65e9\u524d\u6587\u7ae0<\/a>\u6240\u8aaa\uff0c\u9673\u5149\u752b\u7684\u9280\u884c\u767c\u5c55\u89c0\uff0c\u624d\u662f\u91d1\u878d\u696d\u61c9\u7576\u5805\u6301\u7684\u521d\u8877\u3002\u7f8e\u570b\u91d1\u878d\u754c\u5927\u8001\u67cf\u683c(John C. Bogle)\u66fe\u8a00\uff0c\u73fe\u4eca\u91d1\u878d\u696d\u5df2\u8ff7\u5931\u81ea\u6211\uff0c\u53ea\u9867\u8ffd\u6c42\u6c38\u7121\u6b62\u5883\u7684\u5229\u6f64\uff0c\u8996\u793e\u6703\u798f\u7949\u65bc\u4e0d\u9867\uff0c\u5df2\u5fd8\u8a18\u8207\u5be6\u696d\u5171\u540c\u6210\u9577\u7684\u4f7f\u547d\u3002\u7684\u78ba\uff0c\u4f01\u696d\u7684\u5404\u7a2e\u5275\u65b0\uff0c\u90fd\u80fd\u70ba\u793e\u6703\u63d0\u4f9b\u4fbf\u5229\uff0c\u4f46\u9019\u4e9b\u5275\u65b0\u90fd\u9700\u8981\u990a\u4efd\u3002\u9280\u884c\u7684\u5b58\u5728\u610f\u7fa9\uff0c\u5c31\u662f\u70ba\u4f01\u696d\u5275\u65b0\u63d0\u4f9b\u990a\u4efd\u3002\u9280\u884c\u7336\u5982\u793e\u6703\u5fc3\u81df\uff0c\u4e00\u65e6\u9280\u884c\u53ea\u91cd\u81ea\u5229\uff0c\u9019\u6709\u5982\u5fc3\u81df\u6c92\u6709\u5982\u5e38\u8f38\u8840\uff0c\u82e5\u7136\u5982\u6b64\uff0c\u4f01\u696d\u4fbf\u5c07\u96e3\u8a00\u5275\u65b0\uff0c\u793e\u6703\u96e3\u8a00\u5065\u5eb7\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\u81f3\u4eca\u5929\uff0c\u4e0a\u5546\u4ecd\u7136\u4e0d\u5fd8\u521d\u8877\uff0c\u4ee5\u300c\u8655\u8655\u70ba\u60a8\u7740\u60f3\u300d\u7406\u5ff5\u71df\u904b\u3002\u5f9e\u4e0a\u5546<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.shacombank.com.hk\/tch\/about\/reports\/images\/2019_interim.pdf\" target=\"_blank\">2019\u5e74\u534a\u5e74\u4e2d\u671f\u5831\u544a<\/a>\u53ef\u898b\uff0c\u4e0a\u554663%\u8cb8\u6b3e\u4f9b\u4e88\u9999\u6e2f\uff0c45%\u4f5c\u5de5\u5546\u53ca\u8cbf\u6613\u878d\u8cc7\u4e4b\u7528\u3002\u540c\u6a23\u662f\u57282019\u5e74\uff0c\u4e0a\u5546\u7372\u9812\u5169\u500b\u734e\u9805\uff0c\u5206\u5225\u662f\u7531\u9999\u6e2f\u4e2d\u5c0f\u578b\u4f01\u696d\u7e3d\u5546\u6703\u6240\u9812\u7684<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.hkgcsmb.org.hk\/blank-14\" target=\"_blank\">\uff62\u4e2d\u5c0f\u4f01\u696d\u6700\u4f73\u62cd\u6a94\u734e\uff63<\/a>\uff0c\u4ee5\u53ca\u7531\u300a\u4fe1\u5831\u300b\u6240\u9812\u7684<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/features.hkej.com\/template\/features\/html\/smeaward2019\/index.jsp\" target=\"_blank\">\uff62\u4e2d\u5c0f\u4f01\u5353\u8d8a\u71df\u5546\u5925\u4f34\uff63<\/a>\u3002\u4e2d\u5c0f\u4f01\u4e00\u76f4\u662f\u9999\u6e2f\u7d93\u6fdf\u7684\u4e2d\u6d41\u7825\u67f1\uff0c\u4f54\u9999\u6e2f\u6240\u6709\u8a3b\u518a\u4f01\u696d98%\u3002\u8207\u4e0a\u5546\u540c\u7372\uff62\u4e2d\u5c0f\u4f01\u696d\u6700\u4f73\u62cd\u6a94\u734e\uff63\u7684\uff0c\u9084\u5305\u62ec\u4e2d\u96fb\ufe51\u6e2f\u71c8\ufe51\u9999\u6e2f\u90f5\u653f\u3002\u4e0a\u5546\u66f4\u975e\u9996\u6b21\u7372\u300a\u4fe1\u5831\u300b\u9812\u8d08<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/features.hkej.com\/template\/features\/html\/smeaward2019\/index.jsp\" target=\"_blank\">\uff62\u4e2d\u5c0f\u4f01\u5353\u8d8a\u71df\u5546\u5925\u4f34\uff63<\/a>\u6b8a\u69ae\u3002\u9019\u90fd\u5728\u8aaa\uff0c\u4e0a\u5546\u8996\u9999\u6e2f\u70ba\u5bb6\uff0c\u5176\u300c\u8655\u8655\u70ba\u60a8\u7740\u60f3\u300d\u7406\u5ff5\u4e26\u975e\u865b\u8a00\uff0c\u4e0a\u5546\u6c92\u6709\u5fd8\u8a18\u9280\u884c\u70ba\u793e\u6703\u5fc3\u81df\u7684\u5929\u547d\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1080\" height=\"1080\" src=\"https:\/\/i1.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2020\/03\/Copy-of-Instagram-Post-Frame-6.png?fit=688%2C688&amp;ssl=1\" alt=\"\" class=\"wp-image-3380\" srcset=\"https:\/\/i1.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2020\/03\/Copy-of-Instagram-Post-Frame-6.png?w=1080&amp;ssl=1 1080w, https:\/\/i1.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2020\/03\/Copy-of-Instagram-Post-Frame-6.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2020\/03\/Copy-of-Instagram-Post-Frame-6.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2020\/03\/Copy-of-Instagram-Post-Frame-6.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2020\/03\/Copy-of-Instagram-Post-Frame-6.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2020\/03\/Copy-of-Instagram-Post-Frame-6.png?resize=24%2C24&amp;ssl=1 24w, https:\/\/i1.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2020\/03\/Copy-of-Instagram-Post-Frame-6.png?resize=36%2C36&amp;ssl=1 36w, https:\/\/i1.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2020\/03\/Copy-of-Instagram-Post-Frame-6.png?resize=48%2C48&amp;ssl=1 48w\" sizes=\"(max-width: 688px) 100vw, 688px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1080\" height=\"1080\" src=\"https:\/\/i2.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2020\/03\/Copy-of-Instagram-Post-Frame-5-1.png?fit=688%2C688&amp;ssl=1\" alt=\"\" class=\"wp-image-3364\" srcset=\"https:\/\/i2.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2020\/03\/Copy-of-Instagram-Post-Frame-5-1.png?w=1080&amp;ssl=1 1080w, https:\/\/i2.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2020\/03\/Copy-of-Instagram-Post-Frame-5-1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2020\/03\/Copy-of-Instagram-Post-Frame-5-1.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2020\/03\/Copy-of-Instagram-Post-Frame-5-1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2020\/03\/Copy-of-Instagram-Post-Frame-5-1.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2020\/03\/Copy-of-Instagram-Post-Frame-5-1.png?resize=24%2C24&amp;ssl=1 24w, https:\/\/i2.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2020\/03\/Copy-of-Instagram-Post-Frame-5-1.png?resize=36%2C36&amp;ssl=1 36w, https:\/\/i2.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2020\/03\/Copy-of-Instagram-Post-Frame-5-1.png?resize=48%2C48&amp;ssl=1 48w\" sizes=\"(max-width: 688px) 100vw, 688px\" \/><\/figure>\n\n\n\n<p>\u670d\u52d9\u512a\u826f\u53ef\u9760\uff0c\u81ea\u7136\u6703\u5f97\u5230\u652f\u6301\u3002\u4e8b\u5be6\u4e0a\uff0c\u4e5f\u57282019\u5e74\uff0c\u4e0a\u5546\u5f97\u5230\u7531\u300a\u7d93\u6fdf\u4e00\u9031\u300b\u6240\u9812\u7684<a href=\"https:\/\/www.edigest.hk\/article\/99045\/%E7%B6%93%E4%B8%80%E6%B4%BB%E5%8B%95\/%E5%AF%A6%E5%8A%9B%E5%93%81%E7%89%8C%E5%A4%A7%E7%8D%8E2019\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">\uff62\u5be6\u529b\u54c1\u724c\u5927\u734e\uff63<\/a>\u3002\u4e0a\u55462018\u5e74\u7684\u76c8\u5229\u8868\u73fe\uff0c\u80fd\u9032\u4e00\u6b65\u53cd\u6620\u4e0a\u5546\u7684\u5546\u8b7d\u8207\u5be6\u529b\u3002\u5728\u9019\u4e00\u5e74\uff0c\u4e0a\u5546\u5168\u5e74\u7d9c\u5408\u7a05\u5f8c\u6ea2\u5229\u589e\u957717.1%\uff0c\u5275\u4e0b\u65b0\u7d00\u9304\u3002<a href=\"https:\/\/hk.on.cc\/hk\/bkn\/cnt\/finance\/20190416\/bkn-20190416153156224-0416_00842_001.html\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">\u4e0a\u5546\u7684\u8cb8\u6b3e\u7e3d\u984d\u9054870\u5104\uff0c\u6309\u5e74\u589e\u957711%\uff0c\u9ad8\u65bc\u5e02\u5834\u6c34\u5e73\u3002<\/a>&nbsp;\u4e0a\u5546\u65d7\u4e0b\u9084\u6709\u4fdd\u96aa\ufe51\u671f\u8ca8\ufe51\u8b49\u5238\ufe51\u4fe1\u8a17\u9644\u5c6c\u516c\u53f8\uff0c\u8ca1\u653f\u7a69\u5065\uff0c<a href=\"https:\/\/hk.on.cc\/hk\/bkn\/cnt\/finance\/20190923\/bkn-20190923154508784-0923_00842_001.html\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">\u51762019\u5e74\u8cc7\u672c\u5145\u8db3\u7387\u9ad8\u905419.1%<\/a>\u3002\u6839\u64da<a href=\"https:\/\/www.shacombank.com.hk\/tch\/about\/reports\/images\/2018_annual.pdf\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">\u4e0a\u5546\u5e74\u5831\u6578\u64da<\/a>\uff0c\u5f9e2014\u5e74\u52302018\u5e74\uff0c\u4e0a\u5546\u7684\u7e3d\u8cb8\u6b3e\u984d\ufe51\u7e3d\u5b58\u6b3e\u984d\ufe51\u8cc7\u7522\u56de\u5831\u7387\ufe51\u80a1\u6771\u6240\u5f97\u6ea2\u5229\u90fd\u5728\u7a69\u6b65\u4e0a\u63da\u3002\u3000<\/p>\n\n\n\n<p>\u4e0a\u5546\u524d\u8463\u4e8b\u9577\u53f2\u5bf6\u695a\u662f\u73fe\u4eca\u4e0a\u5546CEO\u90ed\u932b\u5fd7\u7684\u6069\u5e2b\uff0c2017\u5e74\uff0c\u90ed\u932b\u5fd7\u66fe\u8207\u5a92\u9ad4\u5206\u4eab\u4ed6\u6069\u5e2b\u7684\u4e00\u500b<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.pptree.com\/b17101341\" target=\"_blank\">\u5c0f\u6545\u4e8b<\/a>\u3002\u4e0a\u5546\u6709\u81ea\u5df1\u7684\u98ef\u5802\uff0c\u98ef\u5802\u7531\u53f2\u5bf6\u695a\u767c\u63da\u5149\u5927\u3002\u53f2\u5bf6\u695a\u611b\u8b77\u540c\u4e8b\uff0c\u91cd\u539f\u5247\uff0c\u5c0d\u98ef\u5802\u98df\u6750\ufe51\u64fa\u8a2d\ufe51\u83dc\u8272\u7b49\u7d30\u7bc0\u4e5f\u5f88\u6709\u8981\u6c42\u3002\u9019\u500b\u4e0a\u5546\u98ef\u5802\u98a8\u683c\u7dad\u6301\u81f3\u4eca\u3002\u4e0a\u5546\u5e74\u5831\u66fe\u8a00\uff0c<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.shacombank.com.hk\/tch\/about\/reports\/images\/2018_annual.pdf\" target=\"_blank\">\u300c\u54e1\u5de5\u70ba\u672c\u9280\u884c\u6700\u91cd\u8981\u53ca\u5bf6\u8cb4\u7684\u8cc7\u7522\uff0c\u4ea6\u662f\u53d6\u5f97\u6210\u529f\u7684\u91cd\u8981\u5143\u7d20\u300d<\/a>\u3002\u65e9\u5728\u4e0a\u5546\u5132\u84c4\u5e74\u4ee3\uff0c\u9673\u5149\u752b\u4fbf\u4ee5\u77e5\u4eba\u5584\u4efb\u898b\u7a31\uff0c\u4ed6\u6df1\u4fe1<a rel=\"noreferrer 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