{"id":10514,"date":"2021-09-03T16:30:00","date_gmt":"2021-09-03T16:30:00","guid":{"rendered":"https:\/\/www.blue.com.hk\/wp\/?p=10514"},"modified":"2025-12-18T06:21:39","modified_gmt":"2025-12-18T06:21:39","slug":"living-paycheck-to-paycheck-how-to-stop","status":"publish","type":"post","link":"https:\/\/www.blue.com.hk\/blog\/hk\/%e7%90%86%e8%b2%a1%e8%b2%bc%e5%a3%ab\/living-paycheck-to-paycheck-how-to-stop","title":{"rendered":"\u3010\u6708\u5149\u65cf\u3011\u63ed\u6708\u5149\u65cf5\u5927\u81f4\u547d\u50b7 \u6539\u8b8a\u7406\u8ca1\u7fd2\u6163\u52a9\u4f60\u7121\u75db\u5b58\u9322"},"content":{"rendered":"\n<p>\u300c\u6708\u5149\u65cf\u300d\u7684\u610f\u601d\u662f\u6307\u6bcf\u500b\u6708\u5c07\u8a72\u6708\u85aa\u91d1\u76f4\u63a5\u82b1\u5149\uff0c\u6c92\u6709\u5b58\u9322\u5132\u84c4\u7684\u65cf\u7fa4\uff0c\u7576\u4e2d\u4e0d\u4e4f\u6536\u5165\u4e0d\u9ad8\u7684\u793e\u6703\u65b0\u4eba\u3002\u96d6\u7136\u9999\u6e2f\u7269\u50f9\u79df\u91d1\u9ad8\u4f01\uff0c\u5e74\u8f15\u4eba\u7684\u85aa\u91d1\u4e5f\u8a31\u53ea\u80fd\u52c9\u5f37\u652f\u6301\u751f\u6d3b\u6240\u9700\uff0c\u4f46\u70ba\u4e86\u61c9\u4ed8\u5404\u7a2e\u7a81\u767c\u9700\u8981\uff0c<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/5-tips-to-save-money-in-hong-kong\/\">\u5132\u84c4<\/a>\u4ecd\u7136\u5fc5\u8981\u7684\u3002<\/p>\n\n\n\n<p>\u60f3\u64fa\u812b\u6708\u5149\u65cf\u884c\u5217\u53ef\u4ee5\u600e\u9ebc\u8fa6\uff1f\u6708\u5149\u65cf\u53ef\u4ee5\u5982\u4f55\u6539\u8b8a\u7406\u8ca1\u7fd2\u6163\uff1f<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/\">Blue\u8cc7\u8a0a\u5718\u968a<\/a>\u65e9\u524d\u66fe\u70ba\u5404\u7406\u8ca1\u65b0\u624b\u63d0\u4f9b\u300a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/ways-invest-with-small-amount-of-money\/\">\u5b78\u751f\u7406\u8ca1\u5165\u9580\uff1a\u5c0f\u984d\u6295\u8cc7\u5c0f\u8cbc\u58eb<\/a>\u300b\u53ca\u300a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/investment-financial-tools-for-beginners\/\">\u65b0\u624b\u6295\u8cc7\u5165\u9580\u61f6\u4eba\u5305<\/a>\u300b\uff0c\u4eca\u6b21\u6211\u5011\u5c07\u5206\u67905\u500b\u6708\u5149\u65cf\u7684\u7406\u8ca1\u81f4\u547d\u50b7\uff0c\u4e26\u63d0\u4f9b5\u500b\u5efa\u7acb\u5b58\u9322\u7fd2\u6163\u7684\u65b9\u6cd5\uff0c\u52a9\u4f60\u7121\u75db\u64fa\u812b\u6708\u5149\u65cf\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u6708\u5149\u65cf5\u500b\u6d88\u8cbb\u6a21\u5f0f\u81f4\u547d\u50b7<\/strong><\/h2>\n\n\n\n<p>\u4e0d\u540c\u968e\u7d1a\u4eba\u58eb\u7684\u6d88\u8cbb\u6a21\u5f0f\u548c\u7406\u8ca1\u89c0\u5ff5\u5747\u6709\u4e0d\u540c\uff0c\u5176\u4e2d\u6708\u5149\u65cf\u7684\u5fc3\u7406\u7279\u5fb5\u5728\u65bc\u300c\u6108\u6d88\u8cbb\u6108\u5feb\u6a02\u300d\uff0c\u8457\u91cd\u5373\u6642\u4eab\u6a02\uff0c\u5c0e\u81f4\u6708\u5149\u65cf\u990a\u6210\u300c\u6708\u6708\u6e05\u300d\u7684\u6d88\u8cbb\u6a21\u5f0f\u3002\u4e0b\u6587\u70ba\u4f60\u89e3\u91cb5\u500b\u6d88\u8cbb\u5fc3\u7406\u6548\u61c9\uff0c\u52a9\u4f60\u4e86\u89e3\u6210\u70ba\u6708\u5149\u65cf\u7684\u5fc3\u7406\u6210\u56e0\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. \u5b9a\u9328\u6548\u61c9 Anchoring Effect<\/strong><\/h3>\n\n\n\n<p>\u4eba\u5728\u4f5c\u51fa\u6c7a\u7b56\u6642\u5f80\u5f80\u6703\u53d7\u4e8b\u7269\u7684\u7b2c\u4e00\u5370\u8c61\uff0c\u6216\u6700\u5148\u63a5\u6536\u5230\u7684\u8a0a\u606f\u6240\u5f71\u97ff\uff0c\u9019\u4fbf\u662f\u300c\u9328\u300d\u3002\u65e5\u5e38\u751f\u6d3b\u4e2d\uff0c\u5546\u6236\u53ea\u8981\u5c07\u5546\u54c1\u7684\u539f\u50f9\u6a19\u9ad8\u4e00\u9ede\uff0c\u518d\u5c07\u552e\u50f9\u6a19\u70ba\u300c\u6298\u6263\u50f9\u300d\u3001\u300c\u512a\u60e0\u50f9\u300d\u7b49\u5b57\u773c\uff0c\u6d88\u8cbb\u8005\u4fbf\u6703\u5c07\u300c\u9328\u300d\u5b9a\u65bc\u4e00\u958b\u59cb\u7684\u9ad8\u6a19\u50f9\u4e0a\uff0c\u8a8d\u70ba\u81ea\u5df1\u80fd\u4ee5\u300c\u6298\u6263\u50f9\u300d\u8cfc\u7269\u662f\u7701\u4e0b\u4e86\u4e00\u5927\u7b46\u9322\uff0c\u5212\u7b97\u53c8\u660e\u667a\uff0c\u5c24\u5176\u6708\u5149\u65cf\u5728\u6d88\u8cbb\u6642\u6bd4\u4e00\u822c\u4eba\u8003\u91cf\u8f03\u5c11\uff0c\u5e38\u5ffd\u7565\u81ea\u5df1\u5c0d\u8a72\u9805\u7269\u54c1\u7684\u771f\u6b63\u9700\u8981\uff0c\u4ee5\u70ba\u81ea\u5df1\u5728\u662f\u7bc0\u5109\u5730\u7701\u9322\uff0c\u5176\u5be6\u662f\u5728\u4e0d\u5fc5\u8981\u5730\u6d88\u8cbb\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. \u5ef6\u9072\u734e\u52f5\u6298\u6263 Delayed Reward Discounting \uff08DRD\uff09<\/strong><\/h3>\n\n\n\n<p>\u884c\u70ba\u5fc3\u7406\u5b78\u4e0a\uff0c\u300c\u5ef6\u9072\u734e\u52f5\u6298\u6263\u300d\u662f\u4e00\u7a2e\u65bc\u885d\u52d5\u578b\u6d88\u8cbb\u8005\u8eab\u4e0a\u5e38\u898b\u7684\u5fc3\u7406\u7279\u5fb5\uff0c\u4e5f\u662f\u6708\u5149\u65cf\u7684\u901a\u75c5\u3002\u300c\u5ef6\u9072\u734e\u52f5\u6298\u6263\u300d\u610f\u601d\u662f\u4eba\u5011\u5be7\u9858\u4ed8\u51fa\u8f03\u77ed\u6642\u9593\u4f86\u7372\u5f97\u8f03\u5c11\u7684\u734e\u52f5\uff0c\u90fd\u4e0d\u9858\u7b49\u5019\u4e00\u6bb5\u6642\u9593\u4ee5\u63db\u53d6\u66f4\u5927\u7684\u6298\u6263\u6216\u734e\u8cde\u3002\u5c31\u5982\u7576\u6708\u5149\u65cf\u770b\u898b\u65b0\u6b3e\u7522\u54c1\uff0c\u5373\u4f7f\u660e\u77e5\u5546\u54c1\u6703\u96a8\u8457\u63a8\u51fa\u6642\u9593\u800c\u9010\u6f38\u964d\u50f9\uff0c\u4f46\u4ecd\u6703\u9078\u64c7\u5728\u5546\u54c1\u65b0\u63a8\u51fa\u6642\u4fbf\u8cfc\u8cb7\u3002\u56e0\u70ba\uff0c\u5728\u6708\u5149\u65cf\u7684\u6d88\u8cbb\u5fc3\u7406\u4e2d\uff0c\u5373\u6642\u548c\u7576\u4e0b\u7684\u5feb\u6a02\u662f\u5927\u65bc\u4ee5\u7b49\u5f85\u63db\u4f86\u7684\u91d1\u9322\u6298\u6263\uff0c\u9019\u5c31\u662f\u5c0e\u81f4\u6708\u5149\u65cf\u885d\u52d5\u6d88\u8cbb\u7684\u6210\u56e0\u4e4b\u4e00\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. \u6c89\u6c92\u6210\u672c\u6548\u61c9 Sunk Cost Effects<\/strong><\/h3>\n\n\n\n<p>\u6c89\u6c92\u6210\u672c\u662f\u6307\u5df2\u7d93\u4ed8\u51fa\u800c\u4e14\u7121\u6cd5\u6536\u56de\u7684\u6210\u672c\uff0c\u6d88\u8cbb\u6642\u904e\u4efd\u8003\u616e\u6c89\u6c92\u6210\u672c\uff0c\u53ea\u6703\u5c07\u6d88\u8cbb\u91d1\u984d\u8d8a\u6efe\u8d8a\u5927\u3002\u4ee5\u4e00\u500b\u6642\u5e38\u51fa\u73fe\u5728\u6708\u5149\u65cf\u8eab\u4e0a\u7684\u4f8b\u5b50\u4f86\u8aaa\u660e\uff0c\u5c31\u662f\u7576\u4f60\u4e0a\u661f\u671f\u901b\u8857\u6642\u8cfc\u8cb7\u4e00\u5c0d\u50f9\u503cHK$1000\u7684\u904b\u52d5\u978b\uff0c\u56de\u5bb6\u5f8c\u537b\u767c\u73fe\u8863\u6ac3\u88e1\u6839\u672c\u6c92\u6709\u4e00\u4ef6\u8863\u670d\u80fd\u896f\u642d\u65b0\u8cb7\u4f86\u7684\u904b\u52d5\u978b\u3002\u82e5\u904e\u4efd\u8003\u616e\u5df2\u4ed8\u51fa\u7684HK$1,000\u6c89\u6c92\u6210\u672c\uff0c\u4ee5\u300c\u4e0d\u60f3\u6d6a\u8cbb\u300d\u7684\u5fc3\u7406\u518d\u82b1\u9322\u8cfc\u8cb7\u65b0\u7684\u8863\u7269\u914d\u642d\uff0c\u6c89\u6c92\u6210\u672c\u6548\u61c9\u5c31\u6703\u6301\u7e8c\u767c\u751f\uff0c\u5c0e\u81f4\u66f4\u591a\u7684\u984d\u5916\u6210\u672c\u51fa\u73fe\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. \u793e\u6703\u4fc3\u9032\u6548\u61c9 Social Facilitation<\/strong><\/h3>\n\n\n\n<p>\u4eba\u985e\u662f\u793e\u6703\u6027\u52d5\u7269\uff0c\u5bb9\u6613\u53d7\u793e\u6703\u74b0\u5883\u548c\u4ed6\u4eba\u884c\u70ba\u5f71\u97ff\uff0c\u6708\u5149\u65cf\u5c31\u5c24\u5176\u96e3\u4ee5\u62b5\u6297\u9019\u65b9\u9762\u7684\u5f71\u97ff\u3002\u4f8b\u5982\u8207\u670b\u53cb\u5916\u51fa\u6642\uff0c\u53cb\u4eba\u7684\u8cfc\u7269\u884c\u70ba\u6703\u4ee4\u6708\u5149\u65cf\u7522\u751f\u300c\u6d88\u8cbb\u662f\u5408\u7406\u300d\u7684\u611f\u89ba\uff0c\u5f9e\u800c\u4e5f\u4f5c\u51fa\u6d88\u8cbb\u7684\u884c\u70ba\uff0c\u767e\u8ca8\u516c\u53f8\u7684\u5e74\u5ea6\u6e1b\u50f9\u4fc3\u92b7\u5f15\u8d77\u4eba\u6f6e\u6392\u968a\u8cfc\u7269\uff0c\u5c31\u662f\u91dd\u5c0d\u793e\u6703\u4fc3\u9032\u6548\u61c9\u5f71\u97ff\u800c\u7522\u751f\u7684\u92b7\u552e\u7b56\u7565\u3002\u56e0\u6b64\u6708\u5149\u65cf\u5728\u6d88\u8cbb\u524d\uff0c\u6700\u597d\u300c\u505c\u4e00\u505c\u8ad7\u4e00\u8ad7\u300d\uff0c\u60f3\u6e05\u695a\u81ea\u5df1\u5c0d\u8a72\u9805\u5546\u54c1\u662f\u5426\u6709\u5207\u5be6\u9700\u8981\uff0c\u4ee5\u7701\u4e0b\u4e0d\u5fc5\u8981\u7684\u958b\u652f\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. \u7a00\u5c11\u6027\u539f\u5247 The Scarcity Principle<\/strong><\/h3>\n\n\n\n<p>\u6240\u8b02\u7a00\u5c11\u6027\u539f\u5247\uff0c\u5c31\u662f\u300c\u7269\u4ee5\u7f55\u70ba\u8cb4\u300d\u8207\u300c\u6a5f\u6703\u96e3\u6c42\u300d\u7684\u60f3\u6cd5\uff0c\u71df\u92b7\u8005\u4ee5\u300c\u9650\u91cf\u540d\u984d\u300d\u3001\u300c\u6700\u5f8c\u4eca\u5929\u300d\u3001\u300c\u552e\u5b8c\u5373\u6b62\u300d\u7b49\u63a8\u92b7\u624b\u6cd5\uff0c\u8b93\u6d88\u8cbb\u8005\u611f\u5230\u9019\u5df2\u662f\u300c\u6700\u5f8c\u6a5f\u6703\u300d\u3002\u7a00\u5c11\u6027\u539f\u5247\u5c31\u6b63\u6b63\u80fd\u70ba\u8457\u91cd\u7576\u4e0b\u4eab\u6a02\u7684\u6708\u5149\u65cf\u88fd\u9020\u51fa\u7dca\u5f35\u3001\u8457\u6025\u7684\u611f\u89ba\uff0c\u4fc3\u4f7f\u4ed6\u5011\u885d\u52d5\u6d88\u8cbb\u3002\u6708\u5149\u65cf\u4e00\u65e6\u62b5\u53d7\u4e0d\u4f4f\u4fbf\u6703\u58ae\u5165\u885d\u52d5\u6d88\u8cbb\u7684\u9677\u9631\uff0c\u5c07\u6bcf\u4ef6\u5546\u54c1\u90fd\u7576\u6210\u662f\u6700\u5f8c\u4e00\u4ef6\u6436\u8cfc\uff0c\u6700\u5f8c\u8d8a\u8cb7\u8d8a\u591a\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u6708\u5149\u65cf\u5efa\u7acb\u4ee5\u4e0b5\u500b\u7406\u8ca1\u7fd2\u6163 \u8f15\u9b06\u7d2f\u7a4d\u5132\u84c4<\/strong><\/h2>\n\n\n\n<p>\u4e86\u89e3\u5b8c\u6708\u5149\u65cf\u7684\u5fc3\u7406\u7279\u5fb5\u53ca\u6d88\u8cbb\u81f4\u547d\u50b7\u5f8c\uff0c\u65cf\u4eba\u5011\u53ef\u4ee5\u53c3\u8003\u4ee5\u4e0b5\u500b\u7406\u8ca1\u7fd2\u6163\uff0c\u6162\u6162\u7d2f\u7a4d\u500b\u4eba\u5132\u84c4\uff0c\u64fa\u812b\u6708\u5149\u65cf\u884c\u5217\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.&nbsp;\u6539\u8b8a\u300c\u6708\u5149\u65cf\u300d\u6d88\u8cbb\u6a21\u5f0f<\/strong><\/h3>\n\n\n\n<p>\u60f3\u64fa\u812b\u6708\u5149\u65cf\u7684\u540d\u865f\uff0c\u5fc5\u5148\u5f9e\u6d88\u8cbb\u7fd2\u6163\u7740\u624b\u3002\u6708\u5149\u65cf\u7684\u7406\u8ca1\u601d\u7dad\u5728\u65bc\u904e\u4efd\u8457\u773c\u65bc\u5373\u6642\u7684\u4eab\u53d7\uff0c\u5c0d\u672a\u4f86\u9577\u9060\u7684\u898f\u5283\u4e26\u7121\u6253\u7b97\uff0c\u56e0\u800c\u5ffd\u7565\u5132\u84c4\u7684\u91cd\u8981\u6027\uff1b\u4ed6\u5011\u4ea6\u4ee5\u8ffd\u6c42\u6f6e\u6d41\u70ba\u4e2d\u5fc3\uff0c\u7269\u8cea\u81f3\u4e0a\u3002\u82e5\u8981\u6212\u6389\u9019\u7a2e\u6d88\u8cbb\u7fd2\u6163\uff0c\u4fbf\u9700\u7531\u89c0\u5ff5\u958b\u59cb\u8457\u624b\u6539\u8b8a\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u6212\u6389\u885d\u52d5\u5f0f\u6d88\u8cbb<\/strong>\uff1a\u6bcf\u51e1\u8cfc\u7269\u4ed8\u6b3e\u524d\uff0c\u82b1\u6578\u5206\u9418\u6642\u9593\u8003\u616e\u6e05\u695a\u81ea\u5df1\u662f\u5426\u771f\u7684\u6709\u300c\u9700\u8981\u300d\uff0c\u6291\u6216\u53ea\u662f\u300c\u60f3\u8981\u300d\u3002\u5373\u4f7f\u767c\u73fe\u5fc3\u982d\u597d\u4e5f\u8981\u5f37\u5236\u81ea\u5df1\u8003\u616e\u6578\u5c0f\u6642\uff0c\u751a\u81f3\u662f\u6578\u5929\u624d\u518d\u4f5c\u8cfc\u8cb7\u6c7a\u5b9a\u3002<\/li>\n\n\n\n<li><strong>\u56b4\u8b39\u63a7\u5236\u9810\u8a08<\/strong>\uff1a\u5047\u5982\u5df2\u6c7a\u5b9a\u8cfc\u8cb7\u67d0\u7a2e\u7269\u54c1\uff0c\u4f60\u61c9\u5148\u70ba\u8a72\u7b46\u4f7f\u8cbb\u5b9a\u4e0b\u9810\u7b97\uff0c\u518d\u67e5\u770b\u4e0d\u540c\u5546\u6236\u7684\u50f9\u683c\uff0c\u8ca8\u6bd4\u4e09\u5bb6\uff0c\u4ee5\u66ff\u4ee3\u54c1\u53d6\u4ee3\u50f9\u683c\u8d85\u51fa\u9810\u7b97\u7684\u5546\u54c1\u3002<\/li>\n\n\n\n<li><strong>\u70ba\u81ea\u5df1\u7684\u6d88\u8cbb\u4f5c\u8a18\u9304<\/strong>\uff1a\u6aa2\u8996\u81ea\u5df1\u7684\u80fd\u529b\u8207\u652f\u51fa\u662f\u5426\u5728\u9810\u7b97\u4e4b\u5167\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u4ee5\u4e0a\u90fd\u662f\u4e00\u4e9b\u6709\u52a9\u64fa\u812b\u6708\u5149\u65cf\u7684\u65b9\u6cd5\uff0c\u91cd\u9ede\u5728\u65bc\u6301\u4e4b\u4ee5\u6046\u4ee5\u53ca\u81ea\u5f8b\u5fcd\u8010\uff0c\u5f9e\u885d\u52d5\u82b1\u8cbb\u8b8a\u70ba\u7cbe\u660e\u6d88\u8cbb\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. \u4e86\u89e3\u5982\u4f55\u904b\u7528\u7406\u8ca1\u5de5\u5177<\/strong><\/h3>\n\n\n\n<p>\u8981\u812b\u96e2\u6708\u5149\u65cf\uff0c\u9664\u4e86\u63a7\u5236\u958b\u652f\u5916\uff0c\u6b63\u78ba\u5730\u9078\u64c7\u3001\u4e26\u4f7f\u7528\u4e0d\u540c\u7684\u6295\u8cc7\u7406\u8ca1\u5de5\u5177\u4e5f\u6709\u5e6b\u52a9\u3002\u5e38\u898b\u7684\u6295\u8cc7\u5de5\u5177\u5305\u62ec<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/things-you-need-to-know-when-comparing-savings-insurance\/\">\u5132\u84c4\u4fdd\u96aa<\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/qdap-retirement-plans-things-to-know\/\">\u5e74\u91d1<\/a>\u3001\u5916\u532f\u6295\u8cc7\u3001<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/inflation-tips-to-fight-against\/\">\u50b5\u5238<\/a>\u3001\u57fa\u91d1\u3001<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/inflation-tips-to-fight-against\/\">\u80a1\u7968<\/a>\u7b49\uff0c\u60f3\u4e86\u89e3\u66f4\u591a\u53ef\u5373\u7747\u300a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/investment-financial-tools-for-beginners\/\">\u65b0\u624b\u6295\u8cc7\u5165\u9580\u61f6\u4eba\u5305\uff1a7\u7a2e\u5165\u9580\u6295\u8cc7\u5de5\u5177\u7c21\u4ecb<\/a>\u300b\u6587\u7ae0\u3002\u7576\u7136\uff0c\u5728\u4f5c\u51fa\u4efb\u4f55\u6295\u8cc7\u524d\u90fd\u5fc5\u5148\u7406\u89e3\u500b\u4eba\u53ef\u627f\u64d4\u7684\u98a8\u96aa\u53ca\u9810\u671f\u56de\u5831\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.blue.com.hk\/hk\/promotions\/endowment-insurance-promotion\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/06\/E1-3.6pa-banner-TC-970x250-1.jpg\" alt=\"\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. \u7a4d\u5c11\u6210\u591a \u6efe\u5b58\u8cc7\u91d1<\/strong><\/h3>\n\n\n\n<p>\u96d6\u7136\u6295\u8cc7\u56de\u5831\u7387\u672a\u5fc5\u8207\u6295\u653e\u7684\u672c\u91d1\u6709\u91cd\u5927\u95dc\u4fc2\uff0c\u4f46\u8981\u6708\u5149\u65cf\u5f9e\u96f6\u958b\u59cb\u7d2f\u7a4d\u4e00\u7b46\u672c\u91d1\u7d55\u975e\u6613\u4e8b\u3002\u6240\u8b02\u5929\u4e0b\u7121\u96e3\u4e8b\uff0c\u53ea\u6015\u6709\u5fc3\u4eba\uff0c\u53ea\u8981\u5236\u5b9a\u53ef\u884c\u800c\u5408\u7406\u7684\u5132\u84c4\u76ee\u6a19\uff0c\u52a0\u4e0a\u9069\u5408\u7684\u7406\u8ca1\u5de5\u5177\uff0c\u518d\u904b\u7528\u4e00\u4e9b\u5132\u84c4\u5c0f\u6280\u5de7\uff0c\u8981\u7d2f\u7a4d\u5230\u7b2c\u4e00\u6876\u91d1\u4e5f\u4e0d\u662f\u300c\u4e0d\u53ef\u80fd\u7684\u4efb\u52d9\u300d\u3002\u5f80\u5f8c\u4ea6\u53ef\u4ee5\u9760\u6efe\u5b58\u7684\u8cc7\u91d1\u518d\u4f5c\u9577\u9060\u6295\u8cc7\uff0c\u7a4d\u5c11\u6210\u591a\uff0c\u6708\u5149\u65cf\u4e5f\u6709\u6f5b\u529b\u9032\u5316\u6210\u7406\u8ca1\u9ad8\u624b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. \u5275\u9020\u88ab\u52d5\u6536\u5165<\/strong><\/h3>\n\n\n\n<p>\u9999\u6e2f\u5bf8\u91d1\u5c3a\u571f\uff0c\u767e\u7269\u9a30\u8cb4\uff0c\u90e8\u4efd\u6708\u5149\u65cf\u4ea6\u975e\u53ea\u662f\u55ae\u7d14\u56e0\u70ba\u500b\u4eba\u6d88\u8cbb\u610f\u6b32\u904e\u9ad8\u800c\u300c\u6708\u6708\u6e05\u300d\uff0c\u53ef\u80fd\u6bcf\u6708\u4ee5\u85aa\u91d1\u652f\u4ed8\u79df\u91d1\u3001\u6c34\u96fb\u3001\u4ea4\u901a\u3001\u98f2\u98df\u7b49\u57fa\u672c\u958b\u652f\u5f8c\u5df2\u6240\u5269\u7121\u5e7e\u3002\u6545\u6b64\uff0c\u5275\u9020\u88ab\u52d5\u6536\u5165\u4e5f\u662f\u4e00\u7a2e\u6709\u6548\u64fa\u812b\u6708\u5149\u65cf\u7684\u65b9\u6cd5\u3002\u60f3\u4e86\u89e3\u66f4\u591a\u5efa\u7acb\u88ab\u52d5\u6536\u5165\u7684\u65b9\u6cd5\uff0c\u5373\u7747\u300a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/passive-income-ideas-help-you-to-make-money\/\">\u5275\u9020\u7a69\u5b9a\u88ab\u52d5\u6536\u5165\u5fc3\u5f97\uff1a\u589e\u52a0\u88ab\u52d5\u6536\u5165\u65b9\u6cd5<\/a>\u300b\u6587\u7ae0\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. \u5584\u7528\u4e0d\u540c\u5132\u84c4\u5de5\u5177<\/strong><\/h3>\n\n\n\n<p>\u6b78\u6839\u7a76\u67e2\uff0c\u5efa\u7acb\u5132\u84c4\u7fd2\u6163\u624d\u662f\u64fa\u812b\u6708\u5149\u65cf\u7684\u6839\u672c\u65b9\u6cd5\u3002\u7136\u800c\uff0c\u5e02\u9762\u4e0a\u7684\u5132\u84c4\u5de5\u5177\u4e94\u82b1\u516b\u9580\uff0c\u8a72\u7576\u5982\u4f55\u9078\u64c7\uff1f\u73fe\u6642\u56de\u5831\u7a69\u5b9a\u800c\u98a8\u96aa\u8f03\u4f4e\u7684\u5169\u7a2e\u5132\u84c4\u5de5\u5177\uff0c\u5206\u5225\u70ba<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/time-deposit-savings-insurance-difference\/\">\u9280\u884c\u5b9a\u671f\u5b58\u6b3e<\/a>\u4ee5\u53ca<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/things-you-need-to-know-when-comparing-savings-insurance\/\">\u5132\u84c4\u4fdd\u96aa<\/a>\uff0c\u5169\u8005\u90fd\u662f\u4ee5\u5132\u84c4\u70ba\u4e3b\u8981\u76ee\u6a19\u7684\u7406\u8ca1\u5de5\u5177\u3002\u96d6\u7136\u6027\u8cea\u76f8\u8fd1\uff0c\u4f46\u5be6\u969b\u4e0a\u537b\u6709\u4e0d\u5c11\u5dee\u7570\uff0c\u5982\u60f3\u4e86\u89e3\u66f4\u591a\u5169\u8005\u5dee\u5225\uff0c\u5373\u7747\u300a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/time-deposit-savings-insurance-difference\/\">\u5b9a\u671f\u5b58\u6b3e VS \u5132\u84c4\u4fdd\u96aa \u908a\u6a23\u56de\u5831\u9ad8\uff1f<\/a>\u300b\u6587\u7ae0\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u6708\u5149\u65cf\u5132\u9322\u4e4b\u9078\uff1aBlue\u9748\u6d3b\u5132\u84c4\u4fdd\u96aa<\/strong><\/h2>\n\n\n\n<p>\u65cf\u4eba\u5011\u7d42\u65bc\u625a\u8d77\u5fc3\u809d\u60f3\u4ee5\u9748\u6d3b\u5177\u5f48\u6027\u4e14\u6709\u4fdd\u8b49\u56de\u5831\u7684\u5de5\u5177\u958b\u59cb\u5132\u9322\uff1fBlue\u5132\u84c4\u4fdd\u96aa\u662f\u4f60\u7684\u9078\u64c7\uff01\u6700\u65b0\u63a8\u51fa\u7684\u300c<a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\">WeSave \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd ST1<\/a>\u300d\uff0c\u53ef\u9078\u64c71\u5e74\u62162\u5e74\u4fdd\u969c\u671f\uff0c\u52a9\u4f60\u5728\u77ed\u6642\u9593\u5167\u589e\u503c\u624b\u982d\u4e0a\u7684\u6d41\u52d5\u8cc7\u91d1\uff0c\u8f15\u9b06\u9054\u6210\u77ed\u671f\u5132\u84c4\u8a08\u5283\u3002\u800c\u300c<a href=\"https:\/\/www.blue.com.hk\/hk\/easysave-insurance-plan\">EasySave\u667a\u6613\u5132\u84c4\u4fddES1<\/a>\u300d\u6216\u300c<a href=\"https:\/\/www.blue.com.hk\/hk\/promotions\/savings-insurance-promo-code\">WeSave\u5b9a\u606f\u5132\u84c4\u4fddS3<\/a>\u300d\u66f4\u53ef\u4ee5\u63d0\u65e9\u9000\u4fdd\u90fd\u4e0d\u6536\u53d6\u4efb\u4f55\u8cbb\u7528\uff0c\u5c6c\u4f4e\u98a8\u96aa\u7406\u8ca1\u5de5\u5177\uff0c\u52a9\u4f60\u9748\u6d3b\u8abf\u52d5\u6d41\u52d5\u8cc7\u91d1\u3002<\/p>\n\n\n<style>.kb-table-container13660_3974bc-07{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:#636972;border-radius:16px !important;overflow:hidden !important;}.kb-table-container13660_3974bc-07 .kb-table13660_3974bc-07{border-collapse:separate !important;border-spacing:0 !important;border-radius:16px !important;}.kb-table-container13660_3974bc-07 .kb-table13660_3974bc-07 thead tr:first-child th:first-child{border-top-left-radius:16px !important;}.kb-table-container13660_3974bc-07 .kb-table13660_3974bc-07 thead tr:first-child th:last-child{border-top-right-radius:16px !important;}.kb-table-container13660_3974bc-07 .kb-table13660_3974bc-07 tbody tr:last-child td:first-child, .kb-table-container13660_3974bc-07 .kb-table13660_3974bc-07 tbody tr:last-child th:first-child{border-bottom-left-radius:16px !important;}.kb-table-container13660_3974bc-07 .kb-table13660_3974bc-07 tbody tr:last-child td:last-child, .kb-table-container13660_3974bc-07 .kb-table13660_3974bc-07 tbody tr:last-child th:last-child{border-bottom-right-radius:16px !important;}.kb-table-container13660_3974bc-07{overflow-x:auto;}.kb-table13660_3974bc-07 td:nth-of-type(1), .kb-table13660_3974bc-07 th:nth-of-type(1){width:30%;}.kb-table13660_3974bc-07 td:nth-of-type(2), .kb-table13660_3974bc-07 th:nth-of-type(2){width:30%;}.kb-table13660_3974bc-07 td:nth-of-type(3), .kb-table13660_3974bc-07 th:nth-of-type(3){width:30%;}.kb-table13660_3974bc-07 td:nth-of-type(4), .kb-table13660_3974bc-07 th:nth-of-type(4){width:30%;}.kb-table13660_3974bc-07 td:nth-of-type(5), .kb-table13660_3974bc-07 th:nth-of-type(5){width:30%;}.kb-table13660_3974bc-07{table-layout:fixed;width:100%;}.kb-table-container .kb-table13660_3974bc-07 th{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:var(--ast-global-color-4);padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:left;}.kb-table-container .kb-table13660_3974bc-07 th ul, .kb-table-container .kb-table13660_3974bc-07 th ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table13660_3974bc-07 td{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:left;}.kb-table-container .kb-table13660_3974bc-07 td ul, .kb-table-container .kb-table13660_3974bc-07 td ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table13660_3974bc-07 td:nth-of-type(0){background-color:#63a7ff;}.kb-table-container .kb-table13660_3974bc-07 th:nth-of-type(1){background-color:#63a7ff;}.kb-table-container .kb-table13660_3974bc-07 td, .kb-table13660_3974bc-07 th{border-top:1px solid #eef2f8;border-right:1px solid #eef2f8;border-bottom:1px solid #eef2f8;border-left:1px solid #eef2f8;}@media all and (max-width: 1024px){.kb-table-container .kb-table13660_3974bc-07 td, .kb-table13660_3974bc-07 th{border-top:1px solid #eef2f8;border-right:1px solid #eef2f8;border-bottom:1px solid #eef2f8;border-left:1px solid #eef2f8;}}@media all and (max-width: 767px){.kb-table-container .kb-table13660_3974bc-07 td, .kb-table13660_3974bc-07 th{border-top:1px solid #eef2f8;border-right:1px solid #eef2f8;border-bottom:1px solid #eef2f8;border-left:1px solid #eef2f8;}}<\/style><div class=\"kb-table-container kb-table-container13660_3974bc-07 wp-block-kadence-table\"><table class=\"kb-table kb-table13660_3974bc-07\">\n<style>.kb-table-container .kb-table tr.kb-table-row13660_472d2b-7f{background-color:#d7e8ff;}<\/style><tr class=\"kb-table-row kb-table-row13660_472d2b-7f\">\n<th class=\"kb-table-data kb-table-data13660_bc0a4b-46\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-b5be9b0022782dfb977bba45c8b0337e\"><\/p>\n\n<\/13660_bc0a4b-46>\n\n<th class=\"kb-table-data kb-table-data13660_ccf10d-cf\">\n\n<p class=\"has-text-color has-link-color wp-elements-3b529515f47ad094b85dc4177d92a0f9\" style=\"color:#1e293b;margin-top:8px;margin-bottom:8px\"><strong>WeSave\u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fddST1<\/strong><\/p>\n\n<\/13660_ccf10d-cf>\n\n<th class=\"kb-table-data kb-table-data13660_6b1f18-1d\">\n\n<p class=\"has-text-color has-link-color wp-elements-0c53e36e585f708f91781bef726c7ca9\" style=\"color:#1e293b;margin-top:8px;margin-bottom:8px\"><strong>WeSave\u9ad8\u606f\u5132\u84c4\u4fddE1<\/strong><\/p>\n\n<\/13660_6b1f18-1d>\n\n<th class=\"kb-table-data kb-table-data13660_26b2a5-dc\">\n\n<p class=\"has-text-color has-link-color wp-elements-b4e3e5a516c2edb71d510fb9180b8798\" style=\"color:#1e293b;margin-top:8px;margin-bottom:8px\"><strong>WeSave\u5b9a\u606f\u5132\u84c4\u4fddS3<\/strong><\/p>\n\n<\/13660_26b2a5-dc>\n\n<th class=\"kb-table-data kb-table-data13660_36832b-18\">\n\n<p class=\"has-text-color has-link-color wp-elements-3f96bf87e8d220ca45e3e9361971bb49\" style=\"color:#1e293b;margin-top:8px;margin-bottom:8px\"><strong>EasySave\u667a\u6613\u5132\u84c4\u4fddES1<\/strong><\/p>\n\n<\/13660_36832b-18>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row13660_2fa560-51\">\n<th class=\"kb-table-data kb-table-data13660_8e2fb3-9d\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-afecba782cb2565eee5559dabcc65ca8\" style=\"margin-top:8px;margin-bottom:8px\">\u8a08\u5283\u7279\u9ede<\/p>\n\n<\/13660_8e2fb3-9d>\n\n<td class=\"kb-table-data kb-table-data13660_08e9d5-08\">\n\n<p class=\"has-text-color has-link-color wp-elements-d89d599258479148dac991d745afb717\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">\u77ed\u671f\u9ad8\u606f\u56de\u5831<\/p>\n\n<\/13660_08e9d5-08>\n\n<td class=\"kb-table-data kb-table-data13660_d25a9a-cc\">\n\n<p class=\"has-text-color has-link-color wp-elements-ce98cfd6630c9aeeb1d7da03154e45c3\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">\u4e2d\u671f\u8cfa\u53d6\u53ef\u89c0\u56de\u5831<\/p>\n\n<\/13660_d25a9a-cc>\n\n<td class=\"kb-table-data kb-table-data13660_3904c1-71\">\n\n<p class=\"has-text-color has-link-color wp-elements-4c49d0064ab48c02dc1d0b113c120628\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">\u65e2\u9748\u6d3b\u53c8\u9ad8\u606f<\/p>\n\n<\/13660_3904c1-71>\n\n<td class=\"kb-table-data kb-table-data13660_aeda36-9d\">\n\n<p class=\"has-text-color has-link-color wp-elements-af72df89cc6a9f3ebfbf1a7240112c0c\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">\u96a8\u6642\u96a8\u5730 \u9748\u6d3b\u81ea\u4e3b<\/p>\n\n<\/13660_aeda36-9d>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row13660_5e31d4-ef\">\n<th class=\"kb-table-data kb-table-data13660_1a801c-14\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-06b6e0e633c57aff15c7ffa309635a59\" style=\"margin-top:8px;margin-bottom:8px\">\u5165\u9580\u9580\u6abb<\/p>\n\n<\/13660_1a801c-14>\n\n<td class=\"kb-table-data kb-table-data13660_26f255-13\">\n\n<p class=\"has-text-color has-link-color wp-elements-97dddbe9f6732a173274eab52b17f399\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">US$13,000\u8d77\uff08\u4ee5\u7f8e\u5143\u70ba\u4fdd\u55ae\u55ae\u4f4d\uff09<\/p>\n\n<\/13660_26f255-13>\n\n<td class=\"kb-table-data kb-table-data13660_4d86cc-3a\">\n\n<p class=\"has-text-color has-link-color wp-elements-921eb39e9b7cd41237ebe5f1d2c52010\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">US$4,000\u8d77\uff08\u4ee5\u7f8e\u5143\u70ba\u4fdd\u55ae\u55ae\u4f4d\uff09<\/p>\n\n<\/13660_4d86cc-3a>\n\n<td class=\"kb-table-data kb-table-data13660_c31065-a0\">\n\n<p class=\"has-text-color has-link-color wp-elements-921eb39e9b7cd41237ebe5f1d2c52010\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">US$4,000\u8d77\uff08\u4ee5\u7f8e\u5143\u70ba\u4fdd\u55ae\u55ae\u4f4d\uff09<\/p>\n\n<\/13660_c31065-a0>\n\n<td class=\"kb-table-data kb-table-data13660_c448e8-f6\">\n\n<p class=\"has-text-color has-link-color wp-elements-7455a82b16bd21ce32620b6b869ddd36\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">\u6bcf\u6708HK$500\u8d77\uff08\u4ee5\u6e2f\u5143\u70ba\u4fdd\u55ae\u55ae\u4f4d\uff09<\/p>\n\n<\/13660_c448e8-f6>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row13660_01ba9b-8b\">\n<th class=\"kb-table-data kb-table-data13660_f400ef-ec\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-6f8cb91443d20f99aedc89715f2de2b1\" style=\"margin-top:8px;margin-bottom:8px\">\u7e73\u8cbb\u65b9\u5f0f<\/p>\n\n<\/13660_f400ef-ec>\n\n<td class=\"kb-table-data kb-table-data13660_07a464-9f\">\n\n<p class=\"has-text-color has-link-color wp-elements-db82e020760639903c834c930e3a7cd6\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">\u4e00\u7b46\u904e\u7e73\u4ed8<\/p>\n\n<\/13660_07a464-9f>\n\n<td class=\"kb-table-data kb-table-data13660_905904-b6\">\n\n<p class=\"has-text-color has-link-color wp-elements-db82e020760639903c834c930e3a7cd6\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">\u4e00\u7b46\u904e\u7e73\u4ed8<\/p>\n\n<\/13660_905904-b6>\n\n<td class=\"kb-table-data kb-table-data13660_28a483-aa\">\n\n<p class=\"has-text-color has-link-color wp-elements-db82e020760639903c834c930e3a7cd6\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">\u4e00\u7b46\u904e\u7e73\u4ed8<\/p>\n\n<\/13660_28a483-aa>\n\n<td class=\"kb-table-data kb-table-data13660_5708a5-84\">\n\n<p class=\"has-text-color has-link-color wp-elements-fac4fc9035a01e901585da2fa0a37ecd\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">\u6708\u7e73\u6216\u5e74\u7e73<\/p>\n\n<\/13660_5708a5-84>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row13660_516af0-67\">\n<th class=\"kb-table-data kb-table-data13660_64735b-df\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-641f521ae59fac6c8f0800db5b320047\" style=\"margin-top:8px;margin-bottom:8px\">\u9748\u6d3b\u5ea6<\/p>\n\n<\/13660_64735b-df>\n\n<td class=\"kb-table-data kb-table-data13660_e5fe2b-df\">\n\n<p class=\"has-text-color has-link-color wp-elements-789e1ca2563c5caab9808117fc57be7e\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">\u63d0\u65e9\u9000\u4fdd\u9700\u7e73\u4ed8\u9000\u4fdd\u8cbb\u7528<\/p>\n\n<\/13660_e5fe2b-df>\n\n<td class=\"kb-table-data kb-table-data13660_29aa9a-0a\">\n\n<p class=\"has-text-color has-link-color wp-elements-18a0e24968bbb0915a776b4a7a42d989\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">\u63d0\u65e9\u9000\u4fdd\u8cbb\u7528\u9069\u7528\u65bc\u99963\u500b\u4fdd\u55ae\u5e74\u5ea6<\/p>\n\n<\/13660_29aa9a-0a>\n\n<td class=\"kb-table-data kb-table-data13660_efa421-7f\">\n\n<p class=\"has-text-color has-link-color wp-elements-d069671a8b2933c4d331349f9cff8ac3\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">\u96a8\u6642\u9000\u4fdd\u90fd\u53ef\u53d6\u56de\u672c\u91d1\u53ca\u4fdd\u8b49\u56de\u5831\uff0c\u7d55\u4e0d\u6536\u624b\u7e8c\u8cbb<\/p>\n\n<\/13660_efa421-7f>\n\n<td class=\"kb-table-data kb-table-data13660_5d74fb-94\">\n\n<p class=\"has-text-color has-link-color wp-elements-7a4cd186e788759f637383f3a3a06554\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">\u53ef\u96a8\u6642\u5132\u9322\u62ce\u9322(\u8a3b2)\uff0c\u751a\u81f3\u5168\u55ae\u9000\u4fdd\u90fd\u96f6\u624b\u7e8c\u8cbb<\/p>\n\n<\/13660_5d74fb-94>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row13660_81f9e1-d7\">\n<th class=\"kb-table-data kb-table-data13660_75ad1c-bd\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-1bb317c3375a60ba5152e5be2befe5de\" style=\"margin-top:8px;margin-bottom:8px\">\u4fdd\u969c\u671f<\/p>\n\n<\/13660_75ad1c-bd>\n\n<td class=\"kb-table-data kb-table-data13660_08d527-a7\">\n\n<p class=\"has-text-color has-link-color wp-elements-373df94aeff740ed4d70fb5a65c6016b\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">1\u5e74\u30012\u5e74\u62163\u5e74<\/p>\n\n<\/13660_08d527-a7>\n\n<td class=\"kb-table-data kb-table-data13660_459bab-cc\">\n\n<p class=\"has-text-color has-link-color wp-elements-603dc3cee64bfaeb1dd9d9a978f13912\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">5\u5e74<\/p>\n\n<\/13660_459bab-cc>\n\n<td class=\"kb-table-data kb-table-data13660_d092d7-c0\">\n\n<p class=\"has-text-color has-link-color wp-elements-603dc3cee64bfaeb1dd9d9a978f13912\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">5\u5e74<\/p>\n\n<\/13660_d092d7-c0>\n\n<td class=\"kb-table-data kb-table-data13660_3cfca6-04\">\n\n<p class=\"has-text-color has-link-color wp-elements-2b80c1c3894a7f2564e52806ef9aaac1\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">3\u5e74<\/p>\n\n<\/13660_3cfca6-04>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row13660_6ceeeb-4f\">\n<th class=\"kb-table-data kb-table-data13660_e5ed7e-ac\">\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-3fae5e9de2eb002b35b1bf24e8856a8e\" style=\"margin-top:8px;margin-bottom:8px\">\u671f\u6eff\u6642\u4e4b\u6bcf\u5e74\u4fdd<br>\u8b49\u56de\u5831\uff0f\u6d3e\u606f\u7387<\/p>\n\n<\/13660_e5ed7e-ac>\n\n<td class=\"kb-table-data kb-table-data13660_015ef1-68\">\n\n<p class=\"has-text-color has-link-color wp-elements-3ecda5bf857b641e772beb37174837ea\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">3.81% (\u8a3b1)<\/p>\n\n<\/13660_015ef1-68>\n\n<td class=\"kb-table-data kb-table-data13660_751641-d3\">\n\n<p class=\"has-text-color has-link-color wp-elements-4723734a675b1c1d131febdfc3b1d5e7\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">3.31% (\u8a3b5)<\/p>\n\n<\/13660_751641-d3>\n\n<td class=\"kb-table-data kb-table-data13660_61e239-eb\">\n\n<p class=\"has-text-color has-link-color wp-elements-b2ad0ea08763e73e9dd0dc0e55c83a27\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">\u5e73\u57471.7% (\u8a3b4)<\/p>\n\n<\/13660_61e239-eb>\n\n<td class=\"kb-table-data kb-table-data13660_3dc8e3-b6\">\n\n<p class=\"has-text-color has-link-color wp-elements-47ae51b36415174c003e6e7fe424c19b\" style=\"color:#636972;margin-top:8px;margin-bottom:8px\">\u53ef\u90541.5% (\u8a3b3)<\/p>\n\n<\/13660_3dc8e3-b6>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row13660_0ba6cb-34\">\n<th class=\"kb-table-data kb-table-data13660_2c1c90-2e\">\n\n<p><\/p>\n\n<\/13660_2c1c90-2e>\n\n<td class=\"kb-table-data kb-table-data13660_169807-4f\">\n\n<p><a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\">\u4e86\u89e3\u66f4\u591a<\/a><\/p>\n\n<\/13660_169807-4f>\n\n<td class=\"kb-table-data kb-table-data13660_7c487a-01\">\n\n<p><a href=\"https:\/\/www.blue.com.hk\/hk\/promotions\/endowment-insurance-promotion\">\u4e86\u89e3\u66f4\u591a<\/a><\/p>\n\n<\/13660_7c487a-01>\n\n<td class=\"kb-table-data kb-table-data13660_dbe3bd-51\">\n\n<p><a href=\"https:\/\/www.blue.com.hk\/hk\/promotions\/savings-insurance-promo-code\">\u4e86\u89e3\u66f4\u591a<\/a><\/p>\n\n<\/13660_dbe3bd-51>\n\n<td class=\"kb-table-data kb-table-data13660_9ad75c-63\">\n\n<p><a href=\"https:\/\/www.blue.com.hk\/hk\/easysave-insurance-plan\">\u4e86\u89e3\u66f4\u591a<\/a><\/p>\n\n<\/13660_9ad75c-63>\n<\/tr>\n<\/table><\/div>\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\" target=\"_blank\" rel=\" noreferrer noopener\"><img fetchpriority=\"high\" decoding=\"async\" width=\"970\" height=\"250\" src=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-3yr.png\" alt=\"\" class=\"wp-image-14862\" srcset=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-3yr.png 970w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-3yr-300x77.png 300w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-3yr-768x198.png 768w\" sizes=\"(max-width: 970px) 100vw, 970px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u806f\u7d61Blue\u4e86\u89e3\u66f4\u591a\u4fdd\u96aa\u65b9\u6848<\/h2>\n\n\n\n<p>Blue\u63d0\u4f9b<a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\">\u5132\u84c4<\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/term-life-protection\">\u4eba\u58fd<\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-personal-accident-protection-plan-1\">\u610f\u5916<\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/critical-illness-insurance\">\u5371\u75be<\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/medical-cover\">\u9580\u8a3a\u91ab\u7642<\/a>\u53ca<a href=\"https:\/\/www.blue.com.hk\/hk\/weguard-pharmaeasy-protection-plan\">\u85e5\u5291<\/a>\u7b49\u591a\u7a2e\u4fdd\u96aa\u7522\u54c1\u3002\u5982\u6b32\u4e86\u89e3\u66f4\u591a\uff0c\u6b61\u8fce\u76f4\u63a5WhatsApp +852 9559 5665\u67e5\u8a62\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<style>.kb-table-container13716_d5b273-40{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:#636972;border-radius:16px !important;overflow:hidden !important;}.kb-table-container13716_d5b273-40 .kb-table13716_d5b273-40{border-collapse:separate !important;border-spacing:0 !important;border-radius:16px !important;}.kb-table-container13716_d5b273-40 .kb-table13716_d5b273-40 thead tr:first-child th:first-child{border-top-left-radius:16px !important;}.kb-table-container13716_d5b273-40 .kb-table13716_d5b273-40 thead tr:first-child th:last-child{border-top-right-radius:16px !important;}.kb-table-container13716_d5b273-40 .kb-table13716_d5b273-40 tbody tr:last-child td:first-child, .kb-table-container13716_d5b273-40 .kb-table13716_d5b273-40 tbody tr:last-child th:first-child{border-bottom-left-radius:16px !important;}.kb-table-container13716_d5b273-40 .kb-table13716_d5b273-40 tbody tr:last-child td:last-child, .kb-table-container13716_d5b273-40 .kb-table13716_d5b273-40 tbody tr:last-child th:last-child{border-bottom-right-radius:16px !important;}.kb-table-container13716_d5b273-40{overflow-x:auto;}.kb-table13716_d5b273-40 td:nth-of-type(1), .kb-table13716_d5b273-40 th:nth-of-type(1){width:100%;}.kb-table13716_d5b273-40 td:nth-of-type(2), .kb-table13716_d5b273-40 th:nth-of-type(2){width:30%;}.kb-table13716_d5b273-40 td:nth-of-type(3), .kb-table13716_d5b273-40 th:nth-of-type(3){width:30%;}.kb-table13716_d5b273-40 td:nth-of-type(4), .kb-table13716_d5b273-40 th:nth-of-type(4){width:30%;}.kb-table13716_d5b273-40 td:nth-of-type(5), .kb-table13716_d5b273-40 th:nth-of-type(5){width:30%;}.kb-table13716_d5b273-40{table-layout:fixed;width:100%;}.kb-table-container .kb-table13716_d5b273-40 th{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:var(--ast-global-color-4);padding-top:0px;padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:0px;padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:left;}.kb-table-container .kb-table13716_d5b273-40 th ul, .kb-table-container .kb-table13716_d5b273-40 th ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table13716_d5b273-40 td{padding-top:0px;padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:0px;padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:left;}.kb-table-container .kb-table13716_d5b273-40 td ul, .kb-table-container .kb-table13716_d5b273-40 td ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table13716_d5b273-40 td, .kb-table13716_d5b273-40 th{border-top:1px solid #eef2f8;border-right:1px solid #eef2f8;border-bottom:1px solid #eef2f8;border-left:1px solid #eef2f8;}@media all and (max-width: 1024px){.kb-table-container .kb-table13716_d5b273-40 td, .kb-table13716_d5b273-40 th{border-top:1px solid #eef2f8;border-right:1px solid #eef2f8;border-bottom:1px solid #eef2f8;border-left:1px solid #eef2f8;}}@media all and (max-width: 767px){.kb-table13716_d5b273-40 td:nth-of-type(1), .kb-table13716_d5b273-40 th:nth-of-type(1){width:29%;}.kb-table-container .kb-table13716_d5b273-40 td, .kb-table13716_d5b273-40 th{border-top:1px solid #eef2f8;border-right:1px solid #eef2f8;border-bottom:1px solid #eef2f8;border-left:1px solid #eef2f8;}}<\/style><div class=\"kb-table-container kb-table-container13716_d5b273-40 wp-block-kadence-table\"><table class=\"kb-table kb-table13716_d5b273-40\">\n<style>.kb-table-container .kb-table tr.kb-table-row13716_dd0bcc-c0{background-color:#d7e8ff;}<\/style><tr class=\"kb-table-row kb-table-row13716_dd0bcc-c0\">\n<th class=\"kb-table-data kb-table-data13716_a136b6-ff\">\n\n<p class=\"has-text-color has-link-color wp-elements-54b45e244de90fcdf392b1841c6e8cbc\" style=\"color:#1e293b\"><strong>\u8a3b\u91cb<\/strong><\/p>\n\n<\/13716_a136b6-ff>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row13716_e72c86-89\">\n<th class=\"kb-table-data kb-table-data13716_8eae41-7d\">\n\n<p>\u8a3b1\uff1a\u6b64\u56de\u5831\u7387\u662f\u6307\u5728\u4fdd\u55ae\u65bc3\u5e74\u671f\u6eff\u6642\u7684\u6bcf\u5e74\u4fdd\u8b49\u56de\u5831\u7387\u3002\u63d0\u65e9\u9000\u4fdd\u9700\u7e73\u4ed8\u9000\u4fdd\u8cbb\u7528\u3002<\/p>\n\n<\/13716_8eae41-7d>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row13716_f759d2-86\">\n<th class=\"kb-table-data kb-table-data13716_ce02aa-74\">\n\n<p>\u8a3b2\uff1a\u65bc\u4fdd\u55ae\u6709\u6548\u671f\u9593\uff0c\u4f60\u53ef\u4ee5\u96a8\u6642\u7e73\u4ea4\u984d\u5916\u4fdd\u8cbb\uff0c\u60df\u9808\u53d7\u5236\u65bc\u984d\u5916\u4fdd\u8cbb\u7684\u6700\u4f4e\u8981\u6c42\uff08HK$100\uff09\u53ca\u6700\u9ad8\u984d\u5916\u4fdd\u8cbb\uff083\u5e74\u5b9a\u671f\u4fdd\u8cbb\u7e3d\u984d\u6e1b\u53bb\u5df2\u7e73\u4fdd\u8cbb\u7e3d\u984d\uff0c\u52a0\u4e0a\u63d0\u6b3e\u7e3d\u984d\uff08\u5982\u9069\u7528\uff09\u3002\u65bc\u4fdd\u55ae\u6709\u6548\u671f\u9593\uff0c\u4f60\u53ef\u4ee5\u96a8\u6642\u900f\u904eBlueHK\u624b\u6a5fAPP\u5411Blue\u767c\u9001\u901a\u77e5\u63d0\u53d6\u90e8\u5206\u6236\u53e3\u50f9\u503c\uff0c\u60df\u9808\u53d7\u5236\u65bc\u6700\u4f4e\u63d0\u53d6\u91d1\u984d\u898f\u5b9a\uff08HK$100\uff09\u53ca\u6700\u4f4e\u6236\u53e3\u9918\u984d\uff08HK$500\uff09\u3002&nbsp;<\/p>\n\n<\/13716_ce02aa-74>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row13716_56bd1b-0c\">\n<th class=\"kb-table-data kb-table-data13716_798667-1b\">\n\n<p>\u8a3b3\uff1a\u6b64\u6d3e\u606f\u7387\u662f\u6307\u5728\u4fdd\u55ae\u65bc3\u5e74\u671f\u6eff\u6642\u7684\u6bcf\u5e74\u4fdd\u8b49\u6d3e\u606f\u7387\uff0c\u4e26\u50c5\u9069\u7528\u65bc\u7b26\u5408\u8cbc\u5fc3\u734e\u8cde\u53ca\u7d42\u6975\u734e\u8cde\u8cc7\u683c\u7684\u4fdd\u55ae\u3002<\/p>\n\n<\/13716_798667-1b>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row13716_ce6595-10\">\n<th class=\"kb-table-data kb-table-data13716_4f038b-b0\">\n\n<p>\u8a3b4\uff1a \u6b64\u6d3e\u606f\u7387\u662f\u6307\u5728\u4fdd\u55ae\u65bc5\u5e74\u671f\u6eff\u6642\u7684\u6bcf\u5e74\u4fdd\u8b49\u5e73\u5747\u6d3e\u606f\u7387\u3002<\/p>\n\n<\/13716_4f038b-b0>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row13716_a73b6b-74\">\n<th class=\"kb-table-data kb-table-data13716_78093f-8c\">\n\n<p>\u8a3b5\uff1a\u6b64\u56de\u5831\u7387\u662f\u6307\u5728\u4fdd\u55ae\u65bc5\u5e74\u671f\u6eff\u6642\u7684\u6bcf\u5e74\u4fdd\u8b49\u56de\u5831\u7387\u3002\u63d0\u65e9\u9000\u4fdd\u8cbb\u7528\u9069\u7528\u65bc\u99963\u500b\u4fdd\u55ae\u5e74\u5ea6\u3002<\/p>\n\n<\/13716_78093f-8c>\n<\/tr>\n<\/table><\/div>\n\n\n<p>\u300cWeSave\u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fddST1\u300d\u3001\u300cEasySave\u667a\u6613\u5132\u84c4\u4fddES1\u300d\u3001\u300cWeSave\u5b9a\u606f\u5132\u84c4\u4fddS3\u300d\u53ca\u300cWeSave\u9ad8\u606f\u5132\u84c4\u4fddE1\u300d\u5747\u70ba\u5132\u84c4\u4fdd\u96aa\u8a08\u5283\uff0c\u4e26\u975e\u9280\u884c\u5132\u84c4\u7522\u54c1\u3002 \u4ee5\u4e0a\u7522\u54c1\u53ca\u512a\u60e0\u5747\u53d7\u689d\u6b3e\u53ca\u7d30\u5247\u7d04\u675f\u3002\u4ee5\u4e0a\u8cc7\u6599\u53ea\u4f9b\u53c3\u8003\uff0c\u8a73\u60c5\u8acb\u53c3\u95b1<a href=\"https:\/\/www.blue.com.hk\/hk\">Blue\u7db2\u7ad9<\/a>\u3002<\/p>\n\n\n\n<p>\u514d\u8cac\u8072\u660e\uff1a \u672c\u6587\u7531Blue\u8cc7\u8a0a\u5718\u968a\u64b0\u5beb\uff0c\u8cc7\u6599\u50c5\u4f9b\u53c3\u8003\u4e4b\u7528\uff0c\u4e0d\u80fd\u8a6e\u91cb\u70ba\u5728\u9999\u6e2f\u4ee5\u5916\u63d0\u4f9b\u6216\u51fa\u552e\u6216\u904a\u8aaa\u8cfc\u8cb7\u4efb\u4f55\u4fdd\u96aa\u7522\u54c1\u3002Blue\u4e26\u4e0d\u5c31\u8cc7\u6599\u7684\u6e96\u78ba\u6027\u3001\u5b8c\u6574\u6027\u6216\u662f\u9069\u5408\u4efb\u4f55\u7279\u5b9a\u7528\u9014\uff0c\u4f5c\u51fa\u4efb\u4f55\u660e\u793a\u6216\u9ed8\u793a\u7684\u8aaa\u660e\u3001\u9673\u8ff0\u6216\u4fdd\u8b49\u3002\u4e0d\u540c\u4fdd\u96aa\u516c\u53f8\u7684\u7522\u54c1\u53ef\u80fd\u5b58\u5728\u5dee\u7570\uff0c\u6295\u4fdd\u524d\u9808\u4e86\u89e3\u6e05\u695a\u3001\u5206\u6790\u548c\u6bd4\u8f03\u5f9e\u800c\u627e\u51fa\u5408\u9069\u7684\u4fdd\u96aa\u7522\u54c1\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u8cc7\u6599\u4f86\u6e90\uff1a <br><a href=\"https:\/\/www.storm.mg\/lifestyle\/3544121?page=2\">Storm\u65b0\u65b0\u805e &#8211; \u660e\u660e\u6c92\u6709\u9245\u984d\u6d88\u8cbb\uff0c\u70ba\u4ec0\u9ebc\u8001\u662f\u5b58\u4e0d\u5230\u9322\uff1f\u5c08\u5bb6\u63ed6\u7a2e\u751f\u6d3b\u4e2d\u932f\u8aa4\u7406\u8ca1\u5fc3\u614b\uff0c\u96e3\u602a\u6dea\u70ba\u6708\u5149\u65cf<\/a> <a href=\"https:\/\/www.cw.com.tw\/article\/5105056\">\u5929\u4e0b\u96dc\u8a8c &#8211; \u82b1\u9322\u770b\u500b\u6027\u3000\u6708\u5149\u65cf\u548c\u9435\u516c\u96de\u80cc\u5f8c\u7684\u5fc3\u7406\u5b78<\/a> <br><a href=\"https:\/\/www.thenewslens.com\/article\/114739\">The news lens &#8211; \u6d88\u8cbb\u8005\u5fc3\u4e2d\u7684\u300c\u5b9a\u9328\u6548\u61c9\u300d\uff1a\u70ba\u4f55\u4e00\u958b\u59cb\u628a\u50f9\u9322\u8a02\u5f88\u9ad8\uff0c\u4e4b\u5f8c\u537b\u964d\u50f9\uff1f<\/a> <br><a href=\"https:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC3201846\/\">NCBI &#8211; Delayed reward discounting and addictive behavior: a meta-analysis<\/a> <br><a href=\"https:\/\/www.behavioraleconomics.com\/resources\/mini-encyclopedia-of-be\/sunk-cost-fallacy\/\">Behavioraleconomics &#8211; Sunk cost fallacy<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u300c\u6708\u5149\u65cf\u300d\u7684\u610f\u601d\u662f\u6307\u6bcf\u500b\u6708\u5c07\u8a72\u6708\u85aa\u91d1\u76f4\u63a5\u82b1\u5149\uff0c\u6c92\u6709\u5b58\u9322\u5132\u84c4\u7684\u65cf\u7fa4\uff0c\u7576\u4e2d\u4e0d\u4e4f\u6536\u5165\u4e0d\u9ad8\u7684\u793e\u6703\u65b0\u4eba\u3002\u96d6\u7136\u9999\u6e2f\u7269\u50f9\u79df\u91d1\u9ad8\u4f01\uff0c\u5e74\u8f15\u4eba\u7684\u85aa\u91d1\u4e5f\u8a31\u53ea\u80fd\u52c9\u5f37\u652f\u6301\u751f\u6d3b\u6240\u9700\uff0c\u4f46\u70ba\u4e86\u61c9\u4ed8\u5404\u7a2e\u7a81\u767c\u9700\u8981\uff0c\u5132\u84c4\u4ecd\u7136\u5fc5\u8981\u7684\u3002 \u60f3\u64fa\u812b\u6708\u5149\u65cf\u884c\u5217\u53ef\u4ee5\u600e\u9ebc\u8fa6\uff1f\u6708\u5149\u65cf\u53ef\u4ee5\u5982\u4f55\u6539\u8b8a\u7406\u8ca1\u7fd2\u6163\uff1fBlue\u8cc7\u8a0a\u5718\u968a\u65e9\u524d\u66fe\u70ba\u5404\u7406\u8ca1\u65b0\u624b\u63d0\u4f9b\u300a\u5b78\u751f\u7406\u8ca1\u5165\u9580\uff1a\u5c0f\u984d\u6295\u8cc7\u5c0f\u8cbc\u58eb\u300b\u53ca\u300a\u65b0\u624b\u6295\u8cc7\u5165\u9580\u61f6\u4eba\u5305\u300b\uff0c\u4eca\u6b21\u6211\u5011\u5c07\u5206\u67905\u500b\u6708\u5149\u65cf\u7684\u7406\u8ca1\u81f4\u547d\u50b7\uff0c\u4e26\u63d0\u4f9b5\u500b\u5efa\u7acb\u5b58\u9322\u7fd2\u6163\u7684\u65b9\u6cd5\uff0c\u52a9\u4f60\u7121\u75db\u64fa\u812b\u6708\u5149\u65cf\u3002 \u6708\u5149\u65cf5\u500b\u6d88\u8cbb\u6a21\u5f0f\u81f4\u547d\u50b7 \u4e0d\u540c\u968e\u7d1a\u4eba\u58eb\u7684\u6d88\u8cbb\u6a21\u5f0f\u548c\u7406\u8ca1\u89c0\u5ff5\u5747\u6709\u4e0d\u540c\uff0c\u5176\u4e2d\u6708\u5149\u65cf\u7684\u5fc3\u7406\u7279\u5fb5\u5728\u65bc\u300c\u6108\u6d88\u8cbb\u6108\u5feb\u6a02\u300d\uff0c\u8457\u91cd\u5373\u6642\u4eab\u6a02\uff0c\u5c0e\u81f4\u6708\u5149\u65cf\u990a\u6210\u300c\u6708\u6708\u6e05\u300d\u7684\u6d88\u8cbb\u6a21\u5f0f\u3002\u4e0b\u6587\u70ba\u4f60\u89e3\u91cb5\u500b\u6d88\u8cbb\u5fc3\u7406\u6548\u61c9\uff0c\u52a9\u4f60\u4e86\u89e3\u6210\u70ba\u6708\u5149\u65cf\u7684\u5fc3\u7406\u6210\u56e0\uff1a 1. \u5b9a\u9328\u6548\u61c9 Anchoring Effect \u4eba\u5728\u4f5c\u51fa\u6c7a\u7b56\u6642\u5f80\u5f80\u6703\u53d7\u4e8b\u7269\u7684\u7b2c\u4e00\u5370\u8c61\uff0c\u6216\u6700\u5148\u63a5\u6536\u5230\u7684\u8a0a\u606f\u6240\u5f71\u97ff\uff0c\u9019\u4fbf\u662f\u300c\u9328\u300d\u3002\u65e5\u5e38\u751f\u6d3b\u4e2d\uff0c\u5546\u6236\u53ea\u8981\u5c07\u5546\u54c1\u7684\u539f\u50f9\u6a19\u9ad8\u4e00\u9ede\uff0c\u518d\u5c07\u552e\u50f9\u6a19\u70ba\u300c\u6298\u6263\u50f9\u300d\u3001\u300c\u512a\u60e0\u50f9\u300d\u7b49\u5b57\u773c\uff0c\u6d88\u8cbb\u8005\u4fbf\u6703\u5c07\u300c\u9328\u300d\u5b9a\u65bc\u4e00\u958b\u59cb\u7684\u9ad8\u6a19\u50f9\u4e0a\uff0c\u8a8d\u70ba\u81ea\u5df1\u80fd\u4ee5\u300c\u6298\u6263\u50f9\u300d\u8cfc\u7269\u662f\u7701\u4e0b\u4e86\u4e00\u5927\u7b46\u9322\uff0c\u5212\u7b97\u53c8\u660e\u667a\uff0c\u5c24\u5176\u6708\u5149\u65cf\u5728\u6d88\u8cbb\u6642\u6bd4\u4e00\u822c\u4eba\u8003\u91cf\u8f03\u5c11\uff0c\u5e38\u5ffd\u7565\u81ea\u5df1\u5c0d\u8a72\u9805\u7269\u54c1\u7684\u771f\u6b63\u9700\u8981\uff0c\u4ee5\u70ba\u81ea\u5df1\u5728\u662f\u7bc0\u5109\u5730\u7701\u9322\uff0c\u5176\u5be6\u662f\u5728\u4e0d\u5fc5\u8981\u5730\u6d88\u8cbb\u3002 2. \u5ef6\u9072\u734e\u52f5\u6298\u6263 Delayed Reward Discounting \uff08DRD\uff09 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3. \u6c89\u6c92\u6210\u672c\u6548\u61c9 Sunk Cost 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