{"id":1213,"date":"2023-12-28T15:12:32","date_gmt":"2023-12-28T07:12:32","guid":{"rendered":"https:\/\/www.moneybartender.com.tw\/?p=1213"},"modified":"2025-08-28T16:44:09","modified_gmt":"2025-08-28T08:44:09","slug":"%e5%ad%b8%e7%94%9f%e4%bf%a1%e8%b2%b8","status":"publish","type":"post","link":"https:\/\/www.moneybartender.com.tw\/creditloan\/%e5%ad%b8%e7%94%9f%e4%bf%a1%e8%b2%b8\/","title":{"rendered":"\u5b78\u751f\u4fe1\u8cb8\u6709\u54ea\u4e9b\u65b9\u5f0f\uff1f5\u7a2e\u5c0f\u984d\u8cb8\u6b3e\u7ba1\u9053\u5831\u4f60\u77e5"},"content":{"rendered":"\n<p>\u5b78\u751f\u4fe1\u8cb8\u662f\u8a31\u591a\u5b78\u751f\u5728\u6c42\u5b78\u671f\u9593\u7684\u8ca1\u52d9\u652f\u67f1\uff0c\u53ef\u4ee5\u5e6b\u52a9\u5b78\u751f\u652f\u4ed8\u5b78\u8cbb\u3001\u751f\u6d3b\u8cbb\u7b49\u958b\u92b7\u3002\u672c\u6587\u5c07\u4ecb\u7d395\u7a2e\u5b78\u751f\u5c0f\u984d\u8cb8\u6b3e\u7ba1\u9053\uff0c\u5305\u62ec\u9280\u884c\u3001\u6c11\u9593\u8cb8\u6b3e\u516c\u53f8\u3001P2P \u5e73\u53f0\u7b49\uff0c\u4f9b\u5b78\u751f\u53c3\u8003\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u54ea\u4e9b\u60c5\u6cc1\u6703\u9700\u8981\u5b78\u751f\u4fe1\u8cb8\uff1f<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u5b78\u8cbb<\/h3>\n\n\n\n<p>\u5927\u5b78\u5b78\u8cbb\u7bc0\u7bc0\u9ad8\u5347\uff0c\u8b93\u5b78\u751f\u5011\u8377\u5305\u5927\u5931\u8840\uff0c\u5b78\u751f\u4fe1\u8cb8\u5c31\u662f\u5e6b\u52a9\u5b78\u751f\u5011\u6e1b\u8f15\u9019\u4e00\u7d93\u6fdf\u58d3\u529b\u7684\u597d\u5e6b\u624b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u751f\u6d3b\u8cbb<\/h3>\n\n\n\n<p>\u5b78\u751f\u5728\u6821\u671f\u9593\uff0c\u9664\u4e86\u5b78\u8cbb\u4e4b\u5916\uff0c\u9084\u9700\u8981\u652f\u4ed8\u65e5\u5e38\u751f\u6d3b\u7684\u5404\u7a2e\u958b\u92b7\uff0c\uff0c\u5305\u62ec\u5403\u559d\u3001\u7a7f\u6234\u3001\u4f4f\u5bbf\u3001\u4ea4\u901a\u3001\u5a1b\u6a02\u7b49\uff0c\u9019\u4e9b\u90fd\u662f\u5b78\u751f\u5011\u4e0d\u53ef\u6216\u7f3a\u7684\u300c\u751f\u6d3b\u5fc5\u9700\u54c1\u300d\u3002\u5b78\u751f\u5c0f\u984d\u501f\u6b3e\u53ef\u4ee5\u5e6b\u52a9\u5b78\u751f\u5011\u89e3\u6c7a\u9019\u4e9b\u751f\u6d3b\u4e0a\u7684\u56f0\u96e3\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u6559\u6750\u8cbb<\/h3>\n\n\n\n<p>\u96a8\u8457\u8ab2\u7a0b\u5167\u5bb9\u7684\u4e0d\u65b7\u66f4\u65b0\uff0c\u5b78\u751f\u5011\u9700\u8981\u4e0d\u65b7\u8cfc\u8cb7\u6700\u65b0\u7684\u6559\u6750\u4ee5\u4fbf\u5b78\u7fd2\uff0c\u4f46\u6559\u6750\u8cbb\u4e5f\u662f\u4e00\u7b46\u4e0d\u5c0f\u7684\u958b\u92b7\u3002\u5b78\u751f\u5c0f\u984d\u8cb8\u6b3e\u53ef\u4ee5\u5e6b\u52a9\u5b78\u751f\u5011\u4e0d\u56e0\u6559\u6750\u8cbb\u800c\u5f71\u97ff\u5b78\u7fd2\u3002<\/p>\n\n\n\n<p>\u5bb6\u5ead\u7d93\u6fdf\u72c0\u6cc1\u4e0d\u4f73<\/p>\n\n\n\n<p>\u6839\u64da<a href=\"https:\/\/ws.dgbas.gov.tw\/001\/Upload\/466\/ebook\/ebook_248815\/\/pdf\/full.pdf\" target=\"_blank\" rel=\"noopener\">\u884c\u653f\u9662\u4e3b\u8a08\u8655\u7d71\u8a08<\/a>\uff0c2022\u5e74\u53f0\u7063\u5bb6\u5ead\u5e73\u5747\u5e74\u6536\u5165\u70ba140\u842c\u5143\uff0c\u4f46\u5176\u4e2d\u670920%\u7684\u5bb6\u5ead\u5e74\u6536\u5165\u4f4e\u65bc40\u842c\u5143\u3002\u9019\u4e9b\u5bb6\u5ead\u7684\u5b78\u751f\u5f80\u5f80\u7121\u6cd5\u8ca0\u64d4\u5168\u90e8\u5b78\u8cbb\uff0c\u9700\u8981\u501f\u9322\u4f86\u5b8c\u6210\u5b78\u696d\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u6e1b\u8f15\u7236\u6bcd\u7684\u8ca0\u64d4<\/h3>\n\n\n\n<p>\u8a31\u591a\u5b78\u751f\u7533\u8acb\u5b78\u751f\u4fe1\u8cb8\uff0c\u662f\u70ba\u4e86\u6e1b\u8f15\u7236\u6bcd\u7684\u7d93\u6fdf\u8ca0\u64d4\uff0c\u8b93\u7236\u6bcd\u53ef\u4ee5\u904e\u4e0a\u66f4\u52a0\u8f15\u9b06\u7684\u751f\u6d3b\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" loading=\"lazy\" width=\"1000\" height=\"668\" src=\"https:\/\/www.moneybartender.com.tw\/wp-content\/uploads\/2023\/12\/education-loan01.jpg\" alt=\"\u54ea\u4e9b\u60c5\u6cc1\u6703\u9700\u8981\u5b78\u751f\u4fe1\u8cb8\uff1f\" class=\"wp-image-1215\" srcset=\"https:\/\/www.moneybartender.com.tw\/wp-content\/uploads\/2023\/12\/education-loan01.jpg 1000w, https:\/\/www.moneybartender.com.tw\/wp-content\/uploads\/2023\/12\/education-loan01-768x513.jpg 768w, https:\/\/www.moneybartender.com.tw\/wp-content\/uploads\/2023\/12\/education-loan01-150x100.jpg 150w, https:\/\/www.moneybartender.com.tw\/wp-content\/uploads\/2023\/12\/education-loan01-300x200.jpg 300w, https:\/\/www.moneybartender.com.tw\/wp-content\/uploads\/2023\/12\/education-loan01-696x465.jpg 696w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u5b78\u751f\u53ef\u4ee5\u7533\u8acb\u6c11\u9593\u8cb8\u6b3e\u55ce\uff1f<\/h2>\n\n\n\n<p><strong>\u7576\u7136\u53ef\u4ee5\uff01\u5b78\u751f\u4fe1\u8cb8\uff0c\u6c11\u9593\u4e5f\u80fd\u8fa6\uff01<\/strong><\/p>\n\n\n\n<p>\u5927\u5b78\u751f\u6d3b\u5145\u6eff\u4e86\u5b78\u7fd2\u3001\u6210\u9577\u3001\u4ee5\u53ca\u5404\u7a2e\u7cbe\u5f69\u7684\u6d3b\u52d5\u3002\u4f46\u5982\u679c\u9047\u5230\u5b78\u8cbb\u3001\u751f\u6d3b\u8cbb\u3001\u6216\u5275\u696d\u8cc7\u91d1\u7b49\u65b9\u9762\u7684\u56f0\u96e3\uff0c\u8a72\u600e\u9ebc\u8fa6\u5462\uff1f<\/p>\n\n\n\n<p>\u5225\u64d4\u5fc3\uff0c\u6c11\u9593\u8cb8\u6b3e\u7684\u5be9\u6838\u689d\u4ef6\u8f03\u5bec\u9b06\uff0c\u901a\u5e38\u53ea\u9700\u8981\u7533\u8acb\u4eba\u5e74\u6eff18\u6b72\u3001\u6709\u56fa\u5b9a\u6536\u5165\u4f86\u6e90\u5373\u53ef\u3002\u56e0\u6b64\uff0c\u53ea\u8981\u5b78\u751f\u6709\u6253\u5de5\u6216\u5be6\u7fd2\u7684\u6536\u5165\uff0c\u5373\u53ef\u5411\u6c11\u9593\u8cb8\u6b3e\u6a5f\u69cb\u7533\u8acb\u8cb8\u6b3e\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5b78\u751f\u8cb8\u6b3e\u65b9\u5f0f\uff5c\u653f\u5e9c\u8cb8\u6b3e<\/h2>\n\n\n\n<p>\u653f\u5e9c\u8cb8\u6b3e\u7531\u653f\u5e9c\u63d0\u4f9b\u8cc7\u91d1\uff0c\u5229\u7387\u8f03\u4f4e\uff0c\u662f\u8a31\u591a\u5b78\u751f\u5c31\u5b78\u7684\u91cd\u8981\u8cc7\u91d1\u4f86\u6e90\u3002\u53f0\u7063\u7684\u653f\u5e9c\u8cb8\u6b3e\u4e3b\u8981\u7531<a href=\"https:\/\/www.edu.tw\/helpdreams\/cp.aspx?n=9AC8D0E0C33FF2BF&amp;s=1CB31DF183066B41\" target=\"_blank\" rel=\"noopener\">\u6559\u80b2\u90e8\u63d0\u4f9b<\/a>\u3002<br>\u5b78\u96dc\u8cbb\u8cb8\u6b3e\u91d1\u984d\u6bcf\u5b78\u671f\u6700\u9ad8\u70ba\u65b0\u53f0\u5e6312\u842c\u5143\uff0c\u5e74\u5229\u7387\u70ba1.04%\uff08\u5229\u7387\u6703\u6d6e\u52d5\uff09\uff0c\u4e3b\u8981\u7528\u65bc\u652f\u4ed8\u5b78\u6821\u5b78\u8cbb\u3001\u96dc\u8cbb\u3001\u66f8\u7c4d\u8cbb\u3001\u5b78\u751f\u5718\u9ad4\u4fdd\u96aa\u7b49\u8cbb\u7528\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5229\u606f\u88dc\u52a9\u65b9\u5f0f<\/h3>\n\n\n\n<p>\u653f\u5e9c\u8cb8\u6b3e\u7684\u5229\u606f\u88dc\u52a9\u65b9\u5f0f\u5206\u70ba\u4e09\u7a2e\uff1a<\/p>\n\n\n\n<ul>\n<li>A\u985e\uff1a\u5bb6\u5ead\u5e74\u6536\u5165\u4e0d\u8d85\u904e\u65b0\u53f0\u5e63114\u842c\u5143\u8005\uff0c\u5728\u5b78\u671f\u9593\u653f\u5e9c\u5168\u984d\u88dc\u52a9\u5229\u606f\u3002<\/li>\n\n\n\n<li>B\u985e\uff1a\u5bb6\u5ead\u5e74\u6536\u5165\u4ecb\u65bc\u65b0\u53f0\u5e63114\u842c\u5143\u81f3\u65b0\u53f0\u5e63120\u842c\u5143\u8005\uff0c\u5728\u5b78\u671f\u9593\u653f\u5e9c\u63d0\u4f9b\u534a\u6578\u5229\u606f\u88dc\u52a9\u3002<\/li>\n\n\n\n<li>C\u985e\uff1a\u5bb6\u5ead\u5e74\u6536\u5165\u65b0\u53f0\u5e63120\u842c\u5143\u4ee5\u4e0a\u4e14\u5bb6\u4e2d\u6709\u5169\u4f4d\u5b50\u5973\u5c31\u8b80\u9ad8\u4e2d\u5b78\u6821\u4ee5\u4e0a\u8005\uff0c\u5728\u5b78\u671f\u9593\u81ea\u4ed8\u5168\u984d\u8cb8\u6b3e\u5229\u606f\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u7533\u8acb\u8cc7\u683c<\/h3>\n\n\n\n<p>\u7533\u8acb\u653f\u5e9c\u5b78\u751f\u8cb8\u6b3e\u7684\u8cc7\u683c\u5982\u4e0b\uff1a<\/p>\n\n\n\n<ul>\n<li>\u5c31\u8b80\u516c\u7acb\u6216\u79c1\u7acb\u5927\u5c08\u9662\u6821\u6216\u9ad8\u4e2d\u8077<\/li>\n\n\n\n<li>\u5bb6\u5ead\u5e74\u6536\u5165\u7b26\u5408\u76f8\u95dc\u898f\u5b9a<\/li>\n\n\n\n<li>\u5177\u6709\u4e2d\u83ef\u6c11\u570b\u570b\u7c4d<\/li>\n\n\n\n<li>\u7533\u8acb\u6d41\u7a0b<\/li>\n<\/ul>\n\n\n\n<p>\u7533\u8acb\u653f\u5e9c\u5b78\u751f\u8cb8\u6b3e\u7684\u6d41\u7a0b\u5982\u4e0b\uff1a<\/p>\n\n\n\n<ul>\n<li>\u5411\u5b78\u6821\u63d0\u51fa\u7533\u8acb<\/li>\n\n\n\n<li>\u5b78\u6821\u5be9\u6838\u7533\u8acb\u8cc7\u6599<\/li>\n\n\n\n<li>\u6559\u80b2\u90e8\u5be9\u6838\u7533\u8acb\u8cc7\u6599<\/li>\n\n\n\n<li>\u6838\u51c6\u5f8c\u767c\u653e\u8cb8\u6b3e<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">4\u5927\u6c11\u9593\u5b78\u751f\u4fe1\u8cb8\u65b9\u5f0f<\/h2>\n\n\n\n<p>\u6c11\u9593\u8cb8\u6b3e\u7531\u6c11\u9593\u91d1\u878d\u6a5f\u69cb\u63d0\u4f9b\u8cc7\u91d1\uff0c\u5229\u606f\u8f03\u9ad8\u3002\u6c11\u9593\u8cb8\u6b3e\u7684\u7a2e\u985e\u7e41\u591a\uff0c\u5305\u62ec\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u624b\u6a5f\u8cb8\u6b3e<\/h3>\n\n\n\n<p>\u5b78\u751f<a href=\"https:\/\/www.moneybartender.com.tw\/loadmoney\/%e6%89%8b%e6%a9%9f%e8%b2%b8%e6%ac%be%e5%af%a9%e6%a0%b8\/\" data-type=\"link\" data-id=\"https:\/\/www.moneybartender.com.tw\/loadmoney\/%e6%89%8b%e6%a9%9f%e8%b2%b8%e6%ac%be%e5%af%a9%e6%a0%b8\/\">\u624b\u6a5f\u8cb8\u6b3e<\/a>\u662f\u4e00\u7a2e\u4ee5\u5b78\u751f\u7684\u624b\u6a5f\u4f5c\u70ba\u64d4\u4fdd\u54c1\u7684\u8cb8\u6b3e\uff0c\u53ef\u4ee5\u70ba\u5b78\u751f\u63d0\u4f9b\u5feb\u901f\u7684\u73fe\u91d1\u652f\u63f4\uff0c\u540c\u6642\u9084\u4fdd\u7559\u624b\u6a5f\u7684\u4f7f\u7528\u6b0a\u5229\u3002\u900f\u904e\u878d\u8cc7\u6a5f\u69cb\u7533\u8acb\u8cb8\u6b3e\uff0c\u4ee5\u66f4\u5feb\u901f\u7684\u7372\u5f97\u8cc7\u91d1\uff0c\u4e0d\u540c\u65bc\u50b3\u7d71\u7684\u7576\u92ea\u501f\u8cb8\uff0c\u5b78\u751f\u624b\u6a5f\u8cb8\u6b3e\u65b9\u5f0f\u7684\u597d\u8655\u662f\u4e0d\u9700\u8981\u62b5\u62bc\u5176\u4ed6\u8ca1\u7522\uff0c\u624b\u6a5f\u53ef\u4ee5\u7e7c\u7e8c\u4f7f\u7528\uff0c\u800c\u7533\u8cb8\u8005\u4e5f\u53ef\u4ee5\u6839\u64da\u81ea\u5df1\u7684\u9700\u6c42\u9078\u64c7\u9069\u5408\u7684\u9084\u6b3e\u671f\u9650\u3002<\/p>\n\n\n\n<p>\u5b78\u751f\u624b\u6a5f\u8cb8\u6b3e\u7684\u7533\u8acb\u689d\u4ef6\u901a\u5e38\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul>\n<li>\u5e74\u6eff18\u6b72\uff08\u90e8\u5206\u6a5f\u69cb\u53ef\u80fd\u6703\u6709\u5e74\u9f61\u4e0a\u9650\uff0c\u5982\uff1a18\u6b72\uff5e70\u6b72\uff09<\/li>\n\n\n\n<li>\u5177\u6709\u4e2d\u83ef\u6c11\u570b\u570b\u6c11\u7684\u8eab\u5206<\/li>\n\n\n\n<li>\u64c1\u6709\u4e00\u652f\u667a\u6167\u578b\u624b\u6a5f<\/li>\n\n\n\n<li>\u6709\u5de5\u4f5c\uff08\u52a0\u5206\u689d\u4ef6\uff09<\/li>\n<\/ul>\n\n\n\n<p>\u5b78\u751f\u624b\u6a5f\u8cb8\u6b3e\u7684\u984d\u5ea6\u901a\u5e38\u57282\uff5e5\u842c\u4e4b\u9593\uff0c\u4f46\u4e5f\u6703\u56e0\u500b\u4eba\u689d\u4ef6\u800c\u6709\u6240\u4e0d\u540c\uff0c\u7533\u8fa6\u55ae\u4f4d\u4e3b\u8981\u6703\u8a55\u4f30\u624b\u6a5f\u72c0\u6cc1\uff0c\u5982\uff1a\u5e02\u503c\u3001\u5ee0\u724c\u3001\u578b\u865f\u3001\u5916\u89c0\u689d\u4ef6\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u6a5f\u8eca\u8cb8\u6b3e<\/h3>\n\n\n\n<p>\u6a5f\u8eca\u8cb8\u6b3e\u662f\u4e00\u7a2e\u4ee5\u6a5f\u8eca\u4f5c\u70ba\u64d4\u4fdd\u54c1\u7684\u8cb8\u6b3e\uff0c\u53ef\u4ee5\u70ba\u6c11\u773e\u63d0\u4f9b\u8cfc\u8cb7\u6216\u6c70\u820a\u63db\u65b0\u7684\u6a5f\u8eca\u8cc7\u91d1\u3002\u6a5f\u8eca\u8cb8\u6b3e\u7684\u7533\u8acb\u689d\u4ef6\u901a\u5e38\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul>\n<li>\u5e74\u6eff20\u6b72\uff08\u90e8\u5206\u6a5f\u69cb\u53ef\u80fd\u6703\u6709\u5e74\u9f61\u4e0a\u9650\uff0c\u5982\uff1a20\u6b72\uff5e70\u6b72\uff09<\/li>\n\n\n\n<li>\u5177\u6709\u4e2d\u83ef\u6c11\u570b\u570b\u6c11\u7684\u8eab\u5206<\/li>\n\n\n\n<li>\u64c1\u6709\u4e00\u8f1b\u7b26\u5408\u8cb8\u6b3e\u689d\u4ef6\u7684\u6a5f\u8eca<\/li>\n\n\n\n<li>\u6709\u5de5\u4f5c\uff08\u52a0\u5206\u689d\u4ef6\uff09<\/li>\n<\/ul>\n\n\n\n<p>\u6a5f\u8eca\u8cb8\u6b3e\u7684\u984d\u5ea6\u901a\u5e38\u572810\uff5e30\u842c\u4e4b\u9593\uff0c\u4f46\u4e5f\u6703\u56e0\u500b\u4eba\u689d\u4ef6\u800c\u6709\u6240\u4e0d\u540c\uff0c\u7533\u8fa6\u55ae\u4f4d\u4e3b\u8981\u6703\u8a55\u4f30\u6a5f\u8eca\u72c0\u6cc1\u3001\u8eca\u9f61\u3001\u8eca\u7a2e\u7b49\u56e0\u7d20\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u500b\u4eba\u4fe1\u8cb8<\/h3>\n\n\n\n<p>\u5b78\u751f\u500b\u4eba\u4fe1\u8cb8\u662f\u4e00\u7a2e\u7121\u64d4\u4fdd\u8cb8\u6b3e\uff0c\u91dd\u5c0d\u5e74\u6eff20\u6b72\u7684\u5b78\u751f\uff0c\u53ea\u8981\u6709\u7a69\u5b9a\u7684\u6536\u5165\u4f86\u6e90\uff0c\u5982\u6253\u5de5\u6216\u517c\u8077\uff0c\u5373\u53ef\u5411\u9280\u884c\u6216\u91d1\u878d\u6a5f\u69cb\u7533\u8acb\u3002<\/p>\n\n\n\n<p>\u7533\u8acb\u5b78\u751f\u500b\u4eba\u4fe1\u8cb8\u6642\uff0c\u901a\u5e38\u9700\u8981\u63d0\u4f9b\u4ee5\u4e0b\u8cc7\u6599\uff1a<\/p>\n\n\n\n<ul>\n<li>\u8eab\u5206\u8b49\u3001\u5b78\u751f\u8b49<\/li>\n\n\n\n<li>\u6536\u5165\u8b49\u660e\uff08\u85aa\u8cc7\u55ae\u3001\u52de\u4fdd\u660e\u7d30\u3001\u5b58\u647a\u5b58\u6b3e\u8b49\u660e\u7b49\uff09<\/li>\n\n\n\n<li>\u5176\u4ed6\u76f8\u95dc\u8b49\u660e\uff08\u5982\u5b78\u8cbb\u8b49\u660e\u3001\u5275\u696d\u8a08\u756b\u66f8\u7b49\uff09<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">P2P \u5c0f\u984d\u8cb8\u6b3e\u5e73\u53f0<\/h3>\n\n\n\n<p>P2P \u5c0f\u984d\u8cb8\u6b3e\u5e73\u53f0\uff0c\u5168\u540d\u70ba Peer-to-Peer Lending\uff0c\u662f\u4e00\u7a2e\u500b\u4eba\u5c0d\u500b\u4eba\u501f\u8cb8\u7684\u91d1\u878d\u6a21\u5f0f\u3002\u900f\u904e\u7db2\u8def\u5e73\u53f0\uff0c\u5c07\u6709\u8cc7\u91d1\u9700\u6c42\u7684\u501f\u6b3e\u4eba\u8207\u6709\u9592\u7f6e\u8cc7\u91d1\u7684\u6295\u8cc7\u8005\u5a92\u5408\u5728\u4e00\u8d77\uff0c\u8b93\u96d9\u65b9\u53ef\u4ee5\u76f4\u63a5\u9032\u884c\u501f\u8cb8\uff0c\u800c\u7121\u9700\u7d93\u904e\u50b3\u7d71\u7684\u91d1\u878d\u6a5f\u69cb\u3002<\/p>\n\n\n\n<p>\u5c0d\u65bc\u5b78\u751f\u4f86\u8aaa\uff0cP2P \u5c0f\u984d\u8cb8\u6b3e\u5e73\u53f0\u6709\u4ee5\u4e0b\u5e7e\u500b\u512a\u52e2\uff1a<\/p>\n\n\n\n<ul>\n<li>\u5b78\u751f\u501f\u6b3e\u9580\u6abb\u8f03\u4f4e<br>P2P \u5c0f\u984d\u8cb8\u6b3e\u5e73\u53f0\u7684\u501f\u6b3e\u9580\u6abb\u901a\u5e38\u8f03\u9280\u884c\u4f4e\uff0c\u5373\u4f7f\u662f\u4fe1\u7528\u5c0f\u767d\u6216\u6709\u4fe1\u7528\u7455\u75b5\u7684\u4eba\u4e5f\u6709\u6a5f\u6703\u7372\u5f97\u8cb8\u6b3e\u3002<\/li>\n\n\n\n<li>\u7533\u8acb\u6d41\u7a0b\u7c21\u4fbf<br>P2P \u5c0f\u984d\u8cb8\u6b3e\u5e73\u53f0\u7684\u7533\u8acb\u6d41\u7a0b\u901a\u5e38\u8f03\u9280\u884c\u7c21\u4fbf\uff0c\u53ea\u8981\u5728\u7db2\u8def\u4e0a\u586b\u5beb\u7533\u8acb\u8868\uff0c\u5c31\u53ef\u4ee5\u5feb\u901f\u5b8c\u6210\u7533\u8acb\u3002<\/li>\n\n\n\n<li>\u5be9\u6838\u901f\u5ea6\u8f03\u5feb<br>P2P \u5c0f\u984d\u8cb8\u6b3e\u5e73\u53f0\u7684\u5be9\u6838\u901f\u5ea6\u901a\u5e38\u8f03\u9280\u884c\u5feb\uff0c\u6700\u5feb\u53ea\u8981 24 \u5c0f\u6642\u5c31\u53ef\u4ee5\u7372\u5f97\u5be9\u6838\u7d50\u679c\u3002<\/li>\n\n\n\n<li>\u8cb8\u6b3e\u5229\u7387\u8f03\u4f4e<br>P2P \u5c0f\u984d\u8cb8\u6b3e\u5e73\u53f0\u7684\u8cb8\u6b3e\u5229\u7387\u901a\u5e38\u8f03\u9280\u884c\u4f4e\uff0c\u56e0\u70ba\u6c92\u6709\u9280\u884c\u7684\u984d\u5916\u6210\u672c\u3002<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" loading=\"lazy\" width=\"1000\" height=\"666\" src=\"https:\/\/www.moneybartender.com.tw\/wp-content\/uploads\/2023\/12\/education-loan02.jpg\" alt=\"4\u5927\u6c11\u9593\u5b78\u751f\u4fe1\u8cb8\u65b9\u5f0f\" class=\"wp-image-1214\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u5b78\u751f\u501f\u9322\u4e00\u5b9a\u8981\u6ce8\u610f\u90193\u4ef6\u4e8b<\/h2>\n\n\n\n<p>\u5b78\u751f\u4fe1\u8cb8\u662f\u5e6b\u52a9\u5b78\u751f\u652f\u4ed8\u5b78\u8cbb\u3001\u751f\u6d3b\u8cbb\u7684\u8cb8\u6b3e\uff0c\u4f46\u5728\u7533\u8acb\u524d\uff0c\u6709\u4e09\u4ef6\u4e8b\u8981\u6ce8\u610f\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5229\u7387\u8981\u6bd4\u5c0d\uff0c\u5225\u8b93\u5229\u606f\u50b7\u8377\u5305<\/h3>\n\n\n\n<p>\u5b78\u751f\u5bc4\u9322\u7684\u5229\u7387\u901a\u5e38\u8f03\u9ad8\uff0c\u56e0\u6b64\u5728\u7533\u8acb\u524d\uff0c\u8981\u5148\u6bd4\u8f03\u4e0d\u540c\u9280\u884c\u7684\u5229\u7387\uff0c\u4e26\u9078\u64c7\u9069\u5408\u81ea\u5df1\u7684\u65b9\u6848\u3002\u76ee\u524d\uff0c\u53f0\u7063\u6c11\u9593\u5b78\u751f\u501f\u8cb8\u7684\u5229\u7387\u7d04\u57284%\u81f36%\u4e4b\u9593\uff0c\u4e5f\u53ef\u80fd\u66f4\u9ad8\u4e00\u9ede\u3002\u800c\u653f\u5e9c\u6240\u63d0\u4f9b\u7684\u9752\u5e74\u5c31\u5b78\u8cb8\u6b3e\u5229\u7387\u6700\u4f4e\uff0c\u70ba1%\uff5e2%\uff08\u5229\u7387\u6703\u6d6e\u52d5\uff09\u3002<\/p>\n\n\n\n<p>\u5728\u6bd4\u8f03\u5229\u7387\u6642\uff0c\u9664\u4e86\u8981\u6ce8\u610f\u5e74\u5229\u7387\u4e4b\u5916\uff0c\u4e5f\u8981\u6ce8\u610f\u6708\u5229\u7387\u548c\u6bcf\u671f\u61c9\u7e73\u91d1\u984d\u3002\u6708\u5229\u7387\u662f\u5e74\u5229\u7387\u7684 1\/12\uff0c\u6bcf\u671f\u61c9\u7e73\u91d1\u984d\u5247\u662f\u4f9d\u7167\u8cb8\u6b3e\u91d1\u984d\u3001\u5229\u7387\u548c\u9084\u6b3e\u671f\u9650\u8a08\u7b97\u5f97\u51fa\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u9084\u6b3e\u671f\u9650\u8981\u898f\u5283\uff0c\u5225\u8b93\u8ca1\u52d9\u58d3\u529b\u7206\u70b8<\/h3>\n\n\n\n<p>\u5b78\u751f\u5c0f\u984d\u501f\u6b3e\u8981\u5148\u898f\u5283\u597d\u81ea\u5df1\u7684\u9084\u6b3e\u80fd\u529b\uff0c\u907f\u514d\u9020\u6210\u8ca1\u52d9\u58d3\u529b\u3002\u76ee\u524d\uff0c\u6c11\u9593\u5b78\u751f\u501f\u8cb8\u7684\u9084\u6b3e\u671f\u9650\u6700\u9577\u5927\u7d04\u70ba3\u5e74\uff0c\u653f\u5e9c\u7684\u9752\u5e74\u5c31\u5b78\u8cb8\u6b3e\u9084\u6b3e\u671f\u9650\u6700\u9577\u70ba 12 \u5e74\u3002<\/p>\n\n\n\n<p>\u5728\u898f\u5283\u9084\u6b3e\u671f\u9650\u6642\uff0c\u9664\u4e86\u8981\u8003\u616e\u81ea\u5df1\u7684\u6536\u5165\u4e4b\u5916\uff0c\u4e5f\u8981\u8003\u616e\u81ea\u5df1\u7684\u672a\u4f86\u898f\u5283\u3002\u5982\u679c\u8a08\u756b\u5728\u7562\u696d\u5f8c\u51fa\u570b\u5de5\u4f5c\uff0c\u53ef\u80fd\u9700\u8981\u5ef6\u9577\u9084\u6b3e\u671f\u9650\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u8cb8\u6b3e\u91d1\u984d\u8981\u8a55\u4f30\uff0c\u5225\u501f\u5f97\u592a\u591a\uff0c\u9084\u4e0d\u51fa\u4f86<\/h3>\n\n\n\n<p>\u7533\u8acb\u5b78\u751f\u8cb8\u6b3e\u6642\u8981\u5148\u8a55\u4f30\u81ea\u5df1\u7684\u9700\u6c42\uff0c\u907f\u514d\u501f\u5f97\u592a\u591a\uff0c\u9020\u6210\u9084\u6b3e\u56f0\u96e3\u3002<\/p>\n\n\n\n<p>\u5728\u8a55\u4f30\u8cb8\u6b3e\u91d1\u984d\u6642\uff0c\u9664\u4e86\u8981\u8003\u616e\u5b78\u8cbb\u4e4b\u5916\uff0c\u4e5f\u8981\u8003\u616e\u751f\u6d3b\u8cbb\u3002\u5982\u679c\u9700\u8981\u5728\u5916\u79df\u623f\uff0c\u9084\u8981\u8003\u616e\u623f\u79df\u8cbb\u7528\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u7684\u5b78\u8cbb\u548c\u751f\u6d3b\u8cbb\u52a0\u8d77\u4f86\u53ea\u6709 50 \u842c\u5143\uff0c\u90a3\u9ebc\u5c31\u6c92\u5fc5\u8981\u7533\u8acb 80 \u842c\u5143\u7684\u8cb8\u6b3e\u3002<\/p>\n\n\n\n<p style=\"font-size:27px\">\u5b78\u751f\u4fe1\u8cb8\u7d50\u8ad6<\/p>\n\n\n\n<p>\u5b78\u751f\u4fe1\u8cb8\u53ef\u4ee5\u70ba\u4f60\u751f\u6d3b\u5e36\u4f86\u66f4\u591a\u9918\u88d5\uff0c\u4f46\u6709\u8a31\u591a\u8a50\u9a19\u96c6\u5718\u6703\u4ee5\u4f4e\u5229\u606f\u7684\u8cb8\u6b3e\u70ba\u8a98\u990c\uff0c\u9a19\u53d6\u5b78\u751f\u7684\u9322\u8ca1\uff0c\u66f4\u4e0d\u8981\u5411\u4e0d\u8a8d\u8b58\u7684\u4eba\u501f\u9322\uff0c\u6700\u597d\u9078\u64c7\u4fe1\u8b7d\u826f\u597d\u7684\u6a5f\u69cb\uff0c\u907f\u514d\u8b93\u4f60\u7684\u751f\u6d3b\u96ea\u4e0a\u52a0\u971c\uff01<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p style=\"font-size:27px\">\u63a8\u85a6\u95b1\u8b80<\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.moneybartender.com.tw\/loadmoney\/jcic-knowledge\/%e8%81%af%e5%be%b5%e6%9f%a5%e8%a9%a2jcic\/\" data-type=\"post\" data-id=\"869\">\u500b\u4eba\u806f\u5fb5\u67e5\u8a62\uff1a\u624b\u6a5f\u67e5\u806f\u5fb5\u8d85\u5feb\uff0c\uff15\u7a2e\u65b9\u6cd5\u514d\u8cbb\u67e5\u4fe1\u7528\uff01<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.moneybartender.com.tw\/loadmoney\/jcic-knowledge\/%e8%81%af%e5%be%b5%e7%b4%80%e9%8c%84\/\" data-type=\"post\" data-id=\"1183\">2024\u65b0\u3010\u806f\u5fb5\u7d00\u9304\u600e\u9ebc\u770b\uff1f\u6709\u4fe1\u7528\u7455\u75b5\u6216\u4fe1\u7528\u4e0d\u826f\u7d00\u9304\u600e\u9ebc\u8fa6\uff1f\u3011<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.moneybartender.com.tw\/loadmoney\/meigongzuo-daikuan\/\" data-type=\"post\" data-id=\"1139\">\u89aa\u53cb\u4e0d\u501f\uff0c20\uff0b\u6b72\u6c92\u5de5\u4f5c\u8cb8\u6b3e\u6709\u53ef\u80fd\u55ce\uff1f7\u500b\u501f\u9322\u65b9\u6cd5\u5831\u4f60\u77e5<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.moneybartender.com.tw\/jcic-knowledge\/%e4%bf%a1%e7%94%a8%e5%b0%8f%e7%99%bd\/\">2024\u3010\u4fe1\u7528\u5c0f\u767d\u7533\u8acb\u4fe1\u7528\u5361\u653b\u7565\u3011Ptt &amp; Dcard\u63a8\u85a6\u4e00\u8fa6\u5c31\u904e\uff01<\/a><\/li>\n<\/ul>\n\n\n\n<p>\u66f4\u591a\u501f\u6b3e\u63a8\u85a6\u6587\u7ae0\uff1a<\/p>\n\n\n\n<p><a href=\"https:\/\/hsinchubank.com.tw\/%e6%96%b0%e7%ab%b9%e5%80%9f%e6%ac%be%e6%96%b0%e7%ab%b9%e6%b1%bd%e8%bb%8a%e5%80%9f%e6%ac%be%e6%96%b0%e7%ab%b9%e6%a9%9f%e8%bb%8a%e5%80%9f%e6%ac%be%e6%96%b0%e7%ab%b9%e5%9c%9f%e5%9c%b0%e8%b2%b8\/\" data-type=\"link\" data-id=\"https:\/\/hsinchubank.com.tw\/%e6%96%b0%e7%ab%b9%e5%80%9f%e6%ac%be%e6%96%b0%e7%ab%b9%e6%b1%bd%e8%bb%8a%e5%80%9f%e6%ac%be%e6%96%b0%e7%ab%b9%e6%a9%9f%e8%bb%8a%e5%80%9f%e6%ac%be%e6%96%b0%e7%ab%b9%e5%9c%9f%e5%9c%b0%e8%b2%b8\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u6a5f\u8eca\u501f\u6b3e\uff0c\u514d\u7559\u8eca\uff0c\u96a8call\u96a8\u501f\uff0c\u9084\u6b3e\u4e0d\u7d81\u7d04\uff0c\u501f\u9322\u53ea\u898110\u5206\u9418\uff01<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5b78\u751f\u4fe1\u8cb8\u662f\u8a31\u591a\u5b78\u751f\u5728\u6c42\u5b78\u671f\u9593\u7684\u8ca1\u52d9\u652f\u67f1\uff0c\u53ef\u4ee5\u5e6b\u52a9\u5b78\u751f\u652f\u4ed8\u5b78\u8cbb\u3001\u751f\u6d3b\u8cbb\u7b49\u958b\u92b7\u3002\u672c\u6587\u5c07\u4ecb\u7d39 5\u7a2e\u9ad8\u904e\u4ef6\u7387\u7684\u5c0f\u984d\u8cb8\u6b3e\u7ba1\u9053\uff0c\u5305\u62ec\u9280\u884c\u3001\u6c11\u9593\u8cb8\u6b3e\u516c\u53f8\u3001P2P \u5e73\u53f0\u7b49\uff0c\u4f9b\u5b78\u751f\u53c3\u8003\u3002<\/p>\n","protected":false},"author":6,"featured_media":1216,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[88],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.moneybartender.com.tw\/api\/wp\/v2\/posts\/1213"}],"collection":[{"href":"https:\/\/www.moneybartender.com.tw\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.moneybartender.com.tw\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.moneybartender.com.tw\/api\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.moneybartender.com.tw\/api\/wp\/v2\/comments?post=1213"}],"version-history":[{"count":0,"href":"https:\/\/www.moneybartender.com.tw\/api\/wp\/v2\/posts\/1213\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.moneybartender.com.tw\/api\/wp\/v2\/media\/1216"}],"wp:attachment":[{"href":"https:\/\/www.moneybartender.com.tw\/api\/wp\/v2\/media?parent=1213"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.moneybartender.com.tw\/api\/wp\/v2\/categories?post=1213"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.moneybartender.com.tw\/api\/wp\/v2\/tags?post=1213"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}