{"id":3480,"date":"2020-04-01T17:06:13","date_gmt":"2020-04-01T09:06:13","guid":{"rendered":"https:\/\/www.finmonster.com\/blog\/?p=3480"},"modified":"2021-03-04T12:11:17","modified_gmt":"2021-03-04T04:11:17","slug":"%e5%90%8c%e6%ad%a5%e9%81%8e%e5%86%ac%e4%b8%8b","status":"publish","type":"post","link":"https:\/\/www.finmonster.com\/blog\/2020\/04\/01\/%e5%90%8c%e6%ad%a5%e9%81%8e%e5%86%ac%e4%b8%8b\/","title":{"rendered":"\u540c\u6b65\u904e\u51ac\u2014\u89e3\u6c7a\u4e2d\u5c0f\u4f01\u751f\u5b58\u56f0\u5883\u7684\u91d1\u878d\u79d1\u6280(\u4e0b)"},"content":{"rendered":"\n<p>\u4eca\u5e74\u9999\u6e2f\u653f\u5e9c\u7279\u5225\u70ba\u4e2d\u5c0f\u4f01\u63d0\u4f9b\u6b3e\u984d\u9054200\u5104\u6e2f\u5143\u7684<a href=\"https:\/\/www.hkma.gov.hk\/chi\/news-and-media\/press-releases\/2020\/02\/20200226-3\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">\u300c\u767e\u5206\u767e\u64d4\u4fdd\u7279\u60e0\u8cb8\u6b3e\u300d<\/a>\u652f\u63f4\uff0c\u70ba\u4e2d\u5c0f\u4f01\u4f5c\u501f\u8cb8\u64d4\u4fdd\uff0c\u65b9\u5411\u6b63\u78ba\u3002\u7562\u7adf\u5728\u9999\u6e2f\uff0c98%\u4f01\u696d\u70ba\u4e2d\u5c0f\u4f01\uff0c<a href=\"https:\/\/www.success.tid.gov.hk\/tc_chi\/aboutus\/sme\/service_detail_6863.html\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">\u53d7\u50f1\u65bc\u4e2d\u5c0f\u4f01\u7684\u4eba\u6578\u9054130\u842c\u4eba<\/a>\uff0c<a href=\"https:\/\/www.tid.gov.hk\/english\/smes_industry\/smes\/smes_content.html\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">\u4f54\u5168\u6e2f\u50f1\u54e1\u7e3d\u6578\u8fd1\u4e00\u534a<\/a>\u3002\u4f46\u9019\u7d42\u7a76\u53ea\u662f\u4e00\u6642\u4e4b\u6cd5\u3002<a href=\"https:\/\/www.finmonster.com\/blog\/2020\/03\/30\/%e5%90%8c%e6%ad%a5%e9%81%8e%e5%86%ac-%e8%a7%a3%e6%b1%ba%e4%b8%ad%e5%b0%8f%e4%bc%81%e7%94%9f%e5%ad%98%e5%9b%b0%e5%a2%83%e7%9a%84%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e4%b8%8a\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">\u4e0a\u7bc7\u6587\u7ae0<\/a>\u5df2\u63d0\u5230\uff0c\u65e9\u65bc\u6b66\u6f22\u80ba\u708e\u75ab\u6f6e\u7206\u767c\u4e4b\u524d\uff0c\u5168\u7403\u4e2d\u5c0f\u4f01\u5df2\u5728\u9762\u5c0d\u540c\u4e00\u751f\u5b58\u96e3\u984c\u2014\u4e2d\u5c0f\u4f01\u501f\u8cb8\u878d\u8cc7\u76f8\u7576\u4e0d\u6613\u3002\u5728\u904e\u53bb\u56db\u5e74\uff0c<a href=\"https:\/\/www.hkpc.org\/zh-HK\/about-us\/hkpc-publication\/industry-insight\/hkma-survey?template=hkpc_text\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">\u96642017\u5e74\u5916\uff0c\u8a8d\u70ba\u501f\u8cb8\u66f4\u96e3\u7684\u9999\u6e2f\u4e2d\u5c0f\u4f01\uff0c\u5f80\u5f80\u8f03\u6301\u76f8\u53cd\u89c0\u611f\u7684\u4e2d\u5c0f\u4f01\u591a\uff0c\u81f32019\u5e74\u7b2c\u4e09\u8207\u7b2c\u56db\u5b63\u5ea6\uff0c\u5169\u8005\u5dee\u8ddd\u66f4\u64f4\u5927\u81f32016\u5e74\u6c34\u5e73<\/a>\u3002<\/p>\n\n\n\n<p>FinMonster\u76f8\u4fe1\uff0c\u793e\u6703\u4f01\u696d\u80fd\u4ee4\u751f\u6d3b\u8b8a\u5f97\u66f4\u7f8e\u597d\uff0c\u4f46\u5176\u5275\u65b0\u8207\u71df\u904b\u9700\u8981\u990a\u4efd\uff0c\u4f86\u81ea\u9280\u884c\u7684\u8cb8\u6b3e\u662f\u76f8\u7576\u91cd\u8981\u7684\u990a\u4efd\u4f86\u6e90\u3002FinMonster\u77e2\u5fd7\u4ee5<a href=\"https:\/\/www.finmonster.com\/blog\/2019\/08\/22\/finmonster%E7%9A%84%E6%95%85%E4%BA%8B%E4%BA%8C\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">\u4e16\u754c\u524d\u6cbf\u91d1\u878d\u79d1\u6280<\/a>\u9769\u65b0\u8cb8\u6b3e\u6d41\u7a0b\ufe51\u6539\u5584\u4f01\u696d\u878d\u8cc7\u751f\u614b\uff0c\u6b63\u6b63\u662f\u56e0\u70ba\u6211\u5011\u770b\u5230\uff0c\u70ba\u4f01\u696d\u63d0\u4f9b\u990a\u4efd\u7684\u751f\u614b\u7cfb\u7d71\u672a\u80fd\u8ffd\u4e0a\u6642\u4ee3\uff0c\u672a\u80fd\u767c\u63ee\u61c9\u6709\u529f\u80fd\u3002\u5177\u9ad4\u800c\u8a00\uff0c\u4f01\u696d\u878d\u8cc7\u751f\u614b\u6709\u81f3\u5c11\u5169\u5927\u554f\u984c\uff1a<\/p>\n\n\n\n<p>\u7b2c\u4e00\uff0c\u9280\u884c\u696d\u754c\u8cc7\u8a0a\u4e0d\u5920\u900f\u660e\uff0c\u4e2d\u5c0f\u4f01\u56e0\u53d7\u4eba\u529b\u8207\u6642\u9593\u6240\u9650\uff0c\u5f80\u5f80\u53ea\u5411\u5927\u9280\u884c\u501f\u8cb8\uff0c\u5176\u4ed6\u9280\u884c\u6240\u63d0\u4f9b\u7684\u66f4\u512a\u539a\u8cb8\u6b3e\u670d\u52d9\u537b\u5f80\u5f80\u6613\u53d7\u4f01\u696d\u5ffd\u7565\u3002\u5982\u6211\u5011<a href=\"https:\/\/www.finmonster.com\/blog\/2019\/09\/04\/finmonster%E7%9A%84%E6%95%85%E4%BA%8B%E5%9B%9B\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">\u65e9\u524d\u6587\u7ae0<\/a>\u6240\u63d0\uff0c\u9999\u6e2f\u96d6\u6709\u8fd1\u4e8c\u767e\u9593\u5546\u696d\u9280\u884c\uff0c\u4f46\u9999\u6e2f\u9996\u56db\u5927\u9280\u884c\u5df2\u5e7e\u8fd1\u58df\u65b7\u5e02\u5834\u3002FinMonster\u7684\u91d1\u878d\u79d1\u6280\u6280\u8853\uff0c\u6b63\u6b63\u662f\u70ba\u6539\u5584\u5e02\u5834\u5167\u9019\u7a2e<a href=\"https:\/\/siteresources.worldbank.org\/DEC\/Resources\/84797-1114437274304\/Asymmetric_Info_Sep2003.pdf\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">\u8cc7\u8a0a\u4e0d\u5c0d\u7a31(asymmetry of information)\u554f\u984c<\/a>\uff0c\u7bc0\u7701<a href=\"https:\/\/www.finmonster.com\/blog\/2019\/09\/04\/finmonster%E7%9A%84%E6%95%85%E4%BA%8B%E5%9B%9B\/\">\u4f01\u696d\u641c\u5c0b\u8207\u6d88\u5316\u5e02\u5834\u773e\u591a\u8cb8\u6b3e\u670d\u52d9\u7684\u6642\u9593<\/a>\uff0c\u5584\u7528\u5e02\u5834\u4f9b\u61c9\u7684\u591a\u6a23\u6027\uff0c\u4ee4\u4e0d\u540c\u9280\u884c\u8207\u4f01\u696d\u76f8\u5f97\u76ca\u5f70\uff0c\u5f9e\u800c\u589e\u52a0\u8cb8\u6b3e\u5e02\u5834\u5206\u914d\u8cc7\u6e90\u7684\u6548\u7387\u3002<\/p>\n\n\n\n<p>\u7b2c\u4e8c\uff0c\u9280\u884c\u5411\u4e2d\u5c0f\u4f01\u63d0\u4f9b\u8cb8\u6b3e\u7684\u8a98\u56e0\u56e0\u7d20\u4f86\u76f8\u5c0d\u4e0d\u9ad8\uff0c\u80fd\u5920\u65b9\u4fbf\u4f01\u696d\u878d\u8cc7\u7684\u7db2\u4e0a\u501f\u8cb8\u670d\u52d9\u914d\u5957\u4e5f\u4e0d\u8db3\u3002\u5982\u6211\u5011<a href=\"https:\/\/www.finmonster.com\/blog\/2020\/03\/24\/%e8%ab%96%e5%96%84%e7%94%a8%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e5%af%a9%e6%89%b9%e4%b8%ad%e5%b0%8f%e4%bc%81%e3%80%8c%e7%99%be%e5%88%86%e7%99%be%e8%b2%b8%e6%ac%be%e3%80%8d%e4%b9%8b%e5%bf%85%e8%a6%81\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">\u65e9\u524d\u6587\u7ae0<\/a>\u6240\u63d0\uff0c\u9999\u6e2f\u653f\u5e9c\u4eca\u5e74\u63a8\u51fa\u300c\u767e\u5206\u767e\u64d4\u4fdd\u7279\u60e0\u8cb8\u6b3e\u300d\u7528\u610f\u96d6\u597d\uff0c\u4f46\u6b64\u4e00\u65b0\u653f\u7d42\u7a76\u6210\u6548\u6709\u9650\uff0c\u539f\u56e0\u4e4b\u4e00\uff0c\u662f\u7279\u5225\u5728\u9019\u6bb5\u975e\u5e38\u6642\u671f\uff0c\u6709\u898b\u65bc\u4e2d\u5c0f\u4f01\u8cb8\u6b3e\u6210\u672c\u6548\u76ca\u76f8\u5c0d\u4e0d\u9ad8\uff0c\u9280\u884c\u6703\u66f4\u50be\u5411\u96c6\u4e2d\u8cc7\u6e90\u8655\u7406\u5229\u6f64\u66f4\u9ad8\u7684\u696d\u52d9\u3002\u4e8b\u5be6\u4e0a\uff0c<a href=\"https:\/\/www.oliverwyman.com\/content\/dam\/oliver-wyman\/v2\/publications\/2018\/september\/5%20Things%20You%20Need%20To%20Know%20About%20SME%20Banking%20In%20Asia-Pacific.pdf\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">\u8457\u540d\u91d1\u878d\u8aee\u8a62\u516c\u53f8Oliver Wyman \u4ea6\u66fe\u6307\u51fa<\/a>\uff0c\u4e2d\u5c0f\u4f01\u671f\u671b\u80fd\u5920\u7372\u53d6\u66f4\u591a\u7db2\u4e0a\u8cb8\u6b3e\u670d\u52d9\uff0c\u4f46\u9280\u884c\u914d\u5957\u843d\u5f8c\uff0c\u76f8\u7576\u4e0d\u8db3\uff0c\u7576\u4e2d\u539f\u56e0\u4e5f\u8207\u4e0a\u8ff0\u9280\u884c\u5c0d\u4e2d\u5c0f\u4f01\u8cb8\u6b3e\u670d\u52d9<a href=\"https:\/\/www.britannica.com\/topic\/opportunity-cost\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">\u6a5f\u6703\u6210\u672c(opportunity cost)<\/a>\u4e4b\u8a55\u4f30\u4e0d\u7121\u95dc\u4fc2\u3002FinMonster \u7684\u91d1\u878d\u79d1\u6280\u6280\u8853\uff0c\u4fbf\u662f\u65e8\u5728\u6e1b\u4f4e\u9280\u884c\u8655\u7406\u4e2d\u5c0f\u4f01\u8cb8\u6b3e\u7684\u4ea4\u6613\u6210\u672c\uff0c\u9032\u800c\u589e\u52a0\u9280\u884c\u5411\u4e2d\u5c0f\u4f01\u63d0\u4f9b\u8cb8\u6b3e\u7684\u8a98\u56e0\u3002\u6211\u5011\u66fe\u63d0\u904e\uff0c\u900f\u904e\u904b\u7528FinMonster\u91d1\u878d\u79d1\u6280\uff0c<a href=\"https:\/\/www.finmonster.com\/blog\/2020\/03\/10\/%e6%b7%ba%e8%ab%87%e5%8f%a6%e9%a1%9e%e6%95%b8%e6%93%9a%e6%87%89%e7%94%a8\/\">\u4f01\u696d\u501f\u8cb8\u6642\u9593\u53ef\u5f9e\u4e09\u500b\u6708\u7e2e\u77ed\u81f3\u50c5\u50c5\u5169\u9031<\/a>\u3002\u65bc\u4eca\u5e74\u4e8c\u6708\uff0c\u56e0\u751f\u610f\u53d7\u75ab\u6f6e\u5f71\u97ff\uff0c\u8aee\u8a62FinMonster\u4ee5\u89e3\u6c7a\u8cc7\u91d1\u9031\u8f49\u4e0d\u9748\u554f\u984c\u7684\u4f01\u696d\u6578\u76ee\u589e\u52a0\u4e86\u4e00\u500d\u3002\u6309\u4ee5\u5f80\u7d93\u9a57\uff0c\u4e00\u822c\u4e2d\u5c0f\u4f01\u5411\u9280\u884c\u501f\u8cb8\u7684\u6210\u529f\u7387\u70ba10%\u5de6\u53f3\uff0c\u800c\u5728\u8fd1\u6708\uff0c\u4f01\u696d\u5f97\u5230<a href=\"http:\/\/startupbeat.hkej.com\/?p=84639\">FinMonster\u91d1\u878d\u79d1\u6280\u6280\u8853\u652f\u63f4\u5f8c\uff0c\u9280\u884c-\u4f01\u696d\u914d\u5c0d\u6210\u529f\u7387\u9054\u516b\u6210\uff0c\u4f01\u696d\u501f\u8ca8\u6210\u529f\u7387\u8f03\u4ee5\u5f80\u500d\u589e\u81f3\u5169\u6210<\/a>\u5de6\u53f3\u3002\u4e0d\u904e\uff0c\u9019\u7a2e\u6210\u529f\u7387\u589e\u5e45\u4ecd\u672a\u80fd\u771f\u6b63\u53cd\u6620FinMonser \u91d1\u878d\u79d1\u6280\u7684\u6548\u76ca\uff0c\u539f\u56e0\u662f\u5728\u6b64\u975e\u5e38\u6642\u671f\uff0c\u9280\u884c\u8cb8\u6b3e\u5be9\u6279\u628a\u95dc\u9060\u6bd4\u4ee5\u5f80\u56b4\u7dca\u3002<\/p>\n\n\n\n<p>\u8aaa\u5230\u5e95\uff0c\u9280\u884c\u662f\u793e\u6703\u5fc3\u81df\uff0c\u4f01\u696d\u662f\u793e\u6703\u6a5f\u80fd\uff0c\u4e2d\u5c0f\u4f01\u66f4\u662f\u4e3b\u8981\u793e\u6703\u6a5f\u80fd\u4e4b\u6240\u5728\u3002\u9019\u5169\u7bc7\u6587\u7ae0\u90fd\u5728\u8aaa\u660e\uff0c\u4e00\u65e6\u793e\u6703\u5fc3\u81df\u904b\u4f5c\u51fa\u73fe\u554f\u984c\uff0c\u4e2d\u5c0f\u4f01\u4f5c\u70ba\u793e\u6703\u6a5f\u80fd\u4e00\u90e8\u4efd\uff0c\u5176\u904b\u4f5c\u6703\u96a8\u4e4b\u800c\u53d7\u5f71\u97ff\u3002FinMonster\u63d0\u4f9b\u7684\u89e3\u65b9\uff0c\u662f\u4ee5\u4e16\u754c\u524d\u6cbf\u91d1\u878d\u79d1\u6280\uff0c\u4ee4\u793e\u6703\u5fc3\u81df\u5f97\u4ee5\u66f4\u59a5\u5584\u6eff\u8db3\u5404\u7a2e\u4f01\u696d\u9700\u8981\uff0c\u4ee4\u4e16\u754c\u6700\u7d42\u8b8a\u5f97\u66f4\u7f8e\u597d\u3002<\/p>\n\n\n\n<p> (<em>\u6587\u7ae0\u5c6cFinMonster\u64c1\u6709\uff0c\u672a\u7d93\u540c\u610f\uff0c\u8acb\u52ff\u8f49\u8f09\uff0c\u62f7\u8c9d\u6216\u64c5\u81ea\u5229\u7528\u8d85\u9023\u7d50\u4f5c\u5546\u696d\u7528\u9014)<\/em> <\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p> 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