{"id":15495,"date":"2026-08-11T09:54:57","date_gmt":"2026-08-11T09:54:57","guid":{"rendered":"https:\/\/www.blue.com.hk\/blog\/?p=15495"},"modified":"2026-08-11T10:37:36","modified_gmt":"2026-08-11T10:37:36","slug":"university-student-savings-and-budgeting-guide","status":"publish","type":"post","link":"https:\/\/www.blue.com.hk\/blog\/hk\/%e7%90%86%e8%b2%a1%e8%b2%bc%e5%a3%ab\/university-student-savings-and-budgeting-guide","title":{"rendered":"\u3010\u5927\u5b78\u751f\u7406\u8ca1\u898f\u5283\u65b9\u6cd5\u301125\u6b72\u524d\u5b58\u5230\u7b2c\u4e00\u6876\u91d1\uff1f\u638c\u63e1 3 \u5927\u7121\u75db\u5132\u84c4\u6280\u5de7"},"content":{"rendered":"\n<p>\u5927\u5b78\u7684\u4e0a\u8ab2\u6642\u9593\u6bd4\u8f03\u5f48\u6027\uff0c\u4e0d\u5c11\u5b78\u751f\u90fd\u6703\u5229\u7528\u8ab2\u5f8c\u7a7a\u6687\u505a\u517c\u8077\u8cfa\u53d6\u984d\u5916\u6536\u5165\uff0c\u537b\u6bcf\u4e00\u5230\u6708\u5e95\u5c31\u6210\u70ba\u300c\u6708\u5149\u65cf\u300d\u3002\u5728\u6b63\u5f0f\u6b65\u5165\u793e\u6703\u524d\u53ca\u65e9\u5efa\u7acb\u6b63\u78ba\u7684\u8ca1\u52d9\u6982\u5ff5\uff0c\u624d\u80fd\u70ba\u672a\u4f86\u8216\u8def\u4e26\u61c9\u5c0d\u7a81\u767c\u72c0\u6cc1\u3002<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/category\/financial-tips\/\">Blue\u7406\u8ca1\u9054\u4eba<\/a>\u5c07\u70ba\u4f60\u62c6\u89e3\u5927\u5b78\u751f\u7406\u8ca1\u898f\u5283\u7684\u65b9\u6cd5\uff0c\u4ee5\u53ca\u5982\u4f55\u5728 25 \u6b72\u524d\u5b58\u5230\u7b2c\u4e00\u6876\u91d1\uff0c\u52a9\u4f60\u9010\u6b65\u958b\u59cb\u7d2f\u7a4d\u8ca1\u5bcc\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u9999\u6e2f\u5927\u5b78\u751f\u4e00\u500b\u6708\u7528\u5e7e\u591a\u9322\uff1f\u5e73\u5747\u6536\u5165\u8207\u652f\u51fa<\/strong><\/h2>\n\n\n\n<p>\u4e00\u822c\u9999\u6e2f\u5927\u5c08\u751f\u7684\u6536\u5165\u4f86\u6e90\u901a\u5e38\u5305\u62ec\u7531\u5bb6\u4eba\u63d0\u4f9b\u7684\u96f6\u7528\u9322\u3001\u653f\u5e9c\u8cc7\u52a9\u8cb8\u6b3e\uff08Grant Loan\uff09\u3001\u6821\u5167\u5916\u734e\u5b78\u91d1\uff0c\u4ee5\u53ca\u517c\u8077\u6536\u5165\uff08\u5982\u79c1\u4eba\u88dc\u7fd2\u3001\u5404\u985e\u7092\u6563\u6216\u5be6\u7fd2\u7684\u85aa\u91d1\uff09\u3002\u4e0d\u5c11\u540c\u5b78\u4e00\u500b\u6708\u53ef\u652f\u914d\u7684\u6536\u5165\u4ecb\u4e4e\u6578\u5343\u81f3\u904e\u842c\u6e2f\u5143\u4e0d\u7b49\u3002\u7136\u800c\uff0c\u6536\u5165\u66f4\u591a\uff0c\u652f\u51fa\u4e5f\u53ef\u80fd\u96a8\u4e4b\u5927\u589e\u3002<\/p>\n\n\n\n<p>\u5927\u5b78\u5728\u500b\u4eba\u91d1\u9322\u652f\u914d\u4e0a\u6709\u66f4\u9ad8\u7684\u81ea\u7531\u5ea6\uff0c\u4ee4\u751f\u6d3b\u958b\u652f\u6bd4\u4e2d\u5b78\u6642\u671f\u4f86\u5f97\u591a\u3002\u9664\u4e86\u57fa\u672c\u7684\u81b3\u98df\u8cbb\u548c\u4ea4\u901a\u8cbb\u5916\uff0c\u300c\u4f4f Hall\u300d\uff08\u5bbf\u820d\uff09\u8cbb\u7528\u3001\u300c\u4e0a\u838a\u300d\uff08\u53c3\u8207\u5b78\u751f\u6703\u6216\u5b78\u6703\uff09\u7684\u793e\u4ea4\u61c9\u916c\u3001\u8cfc\u8cb7\u540d\u724c\u8863\u7269\u3001\u8a02\u95b1\u5404\u985e\u4e32\u6d41\u5e73\u53f0\uff0c\u751a\u81f3\u6bcf\u5e74\u4e00\u81f3\u5169\u6b21\u7684\u300c\u7aae\u904a\u300d\u65c5\u884c\uff0c\u90fd\u6703\u5728\u4e0d\u77e5\u4e0d\u89ba\u9593\u8836\u98df\u4f60\u7684\u9280\u884c\u9918\u984d\u3002\u5f88\u591a\u540c\u5b78\u90fd\u56e0\u6c92\u6709\u8a18\u5e33\u7fd2\u6163\u3001\u4e0d\u4e86\u89e3\u8ca1\u52d9\u7ba1\u7406\u7684\u89c0\u5ff5\uff0c\u96a8\u5f8c\u60f3\u53bb\u6d77\u5916\u4ea4\u6d41\u6216\u7dca\u6025\u9700\u8981\u8cc7\u91d1\u5468\u8f49\u6642\uff0c\u5c31\u66f4\u5bb9\u6613\u8ca1\u52d9\u7ba1\u7406\u5931\u8861\u3002\u56e0\u6b64\uff0c\u6b63\u78ba\u7684\u7406\u8ca1\u65b9\u6cd5\u53ef\u6709\u52a9\u5927\u5b78\u751f\u91d0\u6e05\u300c\u9700\u8981\u300d\u8207\u300c\u60f3\u8981\u300d\uff0c\u5728\u4eab\u53d7\u9752\u6625\u7684\u540c\u6642\u59a5\u5584\u63a7\u5236\u652f\u51fa\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u5e38\u898b\u7406\u8ca1\u932f\u8aa4\u8207\u904e\u5ea6\u6d88\u8cbb\u7fd2\u6163<\/strong><\/h2>\n\n\n\n<p>\u4e0d\u5c11\u540c\u5b78\u5728\u8e0f\u5165\u5927\u5b78\u5f8c\uff0c\u7531\u65bc\u7f3a\u4e4f\u7d93\u9a57\u800c\u5e38\u9677\u5165\u5404\u7a2e\u8ca1\u52d9\u9677\u9631\uff0c\u5c0e\u81f4\u5165\u4e0d\u6577\u652f\u3002\u4ee5\u4e0b\u662f\u5927\u5b78\u751f\u5728\u7406\u8ca1\u898f\u5283\u6642\u5bb9\u6613\u5f15\u81f4\u904e\u5ea6\u6d88\u8cbb\u7684\u9677\u9631\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u9677\u5165\u4fe1\u7528\u5361\u50b5\u52d9\uff1a<\/strong>\u5927\u5b78\u751f\u7533\u8acb\u4fe1\u7528\u5361\u975e\u5e38\u5bb9\u6613\uff0c\u70ba\u4e86\u8fce\u65b0\u79ae\u54c1\u6216\u63d0\u65e9\u4eab\u53d7\u800c\u904e\u5ea6\u5237\u5361\u3002\u5982\u679c\u6bcf\u500b\u6708\u53ea\u7e73\u4ed8\u6700\u4f4e\u9084\u6b3e\u984d\uff08Min Pay\uff09\uff0c\u5be6\u969b\u5e74\u5229\u7387\u53ef\u9ad8\u9054 30% \u4ee5\u4e0a\uff0c\u6703\u8b93\u50b5\u52d9\u96ea\u7403\u8d8a\u6efe\u8d8a\u5927\u3002<\/li>\n\n\n\n<li><strong>\u300cFOMO\u300d\u985e\u6d88\u8cbb\uff1a<\/strong>\u56e0\u5bb3\u6015\u932f\u904e\uff08Fear of Missing Out\uff09\u3001\u670b\u8f29\u58d3\u529b\u800c\u53c3\u8207\u6bcf\u4e00\u6b21\u7684\u805a\u6703\u8a08\u5283\uff0c\u6253\u4e82\u4e86\u539f\u6709\u7684\u5927\u5b78\u751f\u6bcf\u6708\u9810\u7b97\u5206\u914d\uff0c\u5b78\u6703\u9069\u6642\u62d2\u7d55\u6709\u52a9\u65bc\u907f\u514d\u904e\u5ea6\u6d88\u8cbb\u3002<\/li>\n\n\n\n<li><strong>\u501f\u8cb8\u6d88\u8cbb\u8207\u7f3a\u4e4f\u8a08\u5283\uff1a<\/strong>\u90e8\u5206\u540c\u5b78\u6703\u5229\u7528\u5b78\u751f\u8cb8\u6b3e\uff08\u751a\u81f3\u574a\u9593\u6613\u6279\u8cb8\u6b3e\uff09\u53bb\u8cfc\u8cb7\u5962\u4f88\u54c1\u6216\u9032\u884c\u9ad8\u98a8\u96aa\u7092\u8ce3\u3002\u4e00\u65e6\u77ed\u66ab\u5468\u8f49\u4e0d\u9748\uff0c\u4fbf\u6703\u80cc\u4e0a\u6c89\u91cd\u50b5\u52d9\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u5927\u5b78\u751f<\/strong><strong>\u5982\u4f55\u958b\u59cb<\/strong><strong>\u7406\u8ca1<\/strong><strong>\uff1f\u65b0\u624b\u5165\u9580\u7684\u6e96\u5099\u529f\u592b<\/strong><\/h2>\n\n\n\n<p>\u5927\u5b78\u751f\u7406\u8ca1\u7684\u6838\u5fc3\uff0c\u5728\u65bc\u5efa\u7acb\u8a18\u5e33\u7fd2\u6163\u4ee5\u638c\u63e1\u73fe\u91d1\u6d41\u3001\u6e05\u695a\u5340\u5206\u300c\u9700\u8981\u300d\u8207\u300c\u60f3\u8981\u300d\u7684\u6d88\u8cbb\uff0c\u4e26\u5728\u6709\u9918\u529b\u5f8c\u5617\u8a66\u4f4e\u9580\u6abb\u7684\u5c0f\u984d\u7406\u8ca1\u3002\u638c\u63e1\u57fa\u790e\u9810\u7b97\u5206\u914d\u8207\u6b63\u78ba\u7406\u8ca1\u5fc3\u614b\uff0c\u80fd\u70ba\u672a\u4f86\u6253\u597d\u7a69\u5065\u57fa\u790e\u3002\u958b\u59cb\u7406\u8ca1\u7684\u7b2c\u4e00\u6b65\u662f\u5148\u4e86\u89e3\u81ea\u8eab\u7684\u73fe\u91d1\u6d41\u72c0\u6cc1\uff0c\u800c\u4e0d\u662f\u6025\u8457\u53bb\u958b\u6236\u6295\u8cc7\u3002\u4ee5\u4e0b\u662f\u70ba\u65b0\u624b\u800c\u8a2d\u7684 3 \u500b\u7684\u6e96\u5099\u6b65\u9a5f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5168\u9762\u5be9\u8996\u8cc7\u7522\u8207\u8ca0\u50b5\uff1a<\/strong>\u5beb\u4e0b\u4f60\u76ee\u524d\u64c1\u6709\u7684\u6240\u6709\u73fe\u91d1\u3001\u9280\u884c\u5b58\u6b3e\uff0c\u4ee5\u53ca\u4efb\u4f55\u7a4d\u6b20\u7684\u50b5\u52d9\uff08\u5982\u4fe1\u7528\u5361\u5206\u671f\u3001\u9700\u511f\u9084\u7684\u653f\u5e9c\u8cb8\u6b3e\uff09\uff0c\u80fd\u8b93\u4f60\u5c0d\u81ea\u5df1\u7684\u6de8\u8cc7\u7522\u6709\u5be6\u969b\u7406\u89e3\u3002<\/li>\n\n\n\n<li><strong>\u5efa\u7acb\u6bcf\u65e5\u8a18\u5e33\u7fd2\u6163\uff1a<\/strong>\u4e0b\u8f09\u8a18\u5e33\u7684\u61c9\u7528\u7a0b\u5f0f\uff0c\u8a73\u7d30\u8a18\u9304\u6bcf\u4e00\u7b46\u958b\u92b7\uff0c\u4e0d\u8ad6\u91d1\u984d\u7684\u5927\u5c0f\u3002\u6301\u7e8c\u4e00\u500b\u6708\u5f8c\uff0c\u4f60\u5c31\u80fd\u8fa8\u8b58\u5230\u81ea\u5df1\u7684\u6d88\u8cbb\u6a21\u5f0f\u3002<\/li>\n\n\n\n<li><strong>\u8a2d\u5b9a\u5177\u9ad4\u7684\u8ca1\u52d9\u76ee\u6a19\uff1a<\/strong>\u4e0d\u662f\u55ae\u7d14\u7684\u300c\u6211\u60f3\u5b58\u9322\u300d\uff0c\u800c\u662f\u8a02\u4e0b\u4ed4\u7d30\u7684\u76ee\u6a19\uff0c\u5982\u5728\u7562\u696d\u524d\u5b58\u5230 5 \u842c\u6e2f\u5143\u4f5c\u70ba\u7562\u696d\u65c5\u884c\u53ca\u5f85\u8077\u7684\u5f8c\u5099\u8cc7\u91d1\u7b49\uff0c\u8a2d\u7acb\u5177\u9ad4\u7684\u76ee\u6a19\u80fd\u63d0\u5347\u5132\u84c4\u52d5\u529b\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u5982\u4f55\u7121\u75db\u5132\u9322\uff1f3 \u500b<\/strong><strong>\u9069\u5408<\/strong><strong>\u5927\u5b78\u751f<\/strong><strong>\u7684<\/strong><strong>\u7406\u8ca1\u65b9\u6cd5<\/strong><\/h2>\n\n\n\n<p>\u57f9\u990a\u4e86\u4ee5\u4e0a\u7fd2\u6163\u5f8c\uff0c\u5c31\u53ef\u4ee5\u66f4\u6df1\u5165\u5730\u7ba1\u7406\u65e5\u5e38\u958b\u652f\uff0c\u4f46\u9019\u4e26\u4e0d\u7b49\u65bc\u76f2\u76ee\u5b88\u8ca1\u6216\u8981\u7a81\u7136\u5927\u5e45\u964d\u4f4e\u751f\u6d3b\u8cea\u7d20\uff0c\u800c\u662f\u900f\u904e\u6709\u7cfb\u7d71\u7684\u5206\u914d\uff0c\u8b93\u6bcf\u4e00\u5206\u9322\u90fd\u7528\u5f97\u5176\u6240\u3002\u4ee5\u4e0b\u9019\u4e9b\u65b9\u6cd5\u90fd\u53ef\u4ee5\u5e6b\u52a9\u4ecd\u7136\u5728\u5b78\u7684\u4f60\u8f15\u9b06\u7ba1\u7406\u6536\u652f\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u9999\u6e2f<\/strong><strong>\u5927\u5b78\u751f<\/strong><strong>\u517c\u8077\u6536\u5165<\/strong><strong>\u7406\u8ca1<\/strong><strong>\u6cd5\u5247\uff1a50\/30\/20<\/strong><\/h3>\n\n\n\n<p>\u7531\u7f8e\u570b\u54c8\u4f5b\u5927\u5b78\u6cd5\u5b78\u6559\u6388\u4f0a\u8389\u838e\u767d\u00b7\u83ef\u502b\uff08Elizabeth Warren\uff09\u63d0\u51fa\u7684\u300c50\/30\/20\u300d\u539f\u5247\uff0c\u662f\u4e00\u9805\u7c21\u55ae\u5be6\u7528\u7684\u500b\u4eba\u8ca1\u52d9\u9810\u7b97\u5206\u914d\u6cd5\u5247\uff0c\u975e\u5e38\u9069\u5408\u5927\u5b78\u751f\u53ca\u7406\u8ca1\u65b0\u624b\u898f\u5283\u6bcf\u6708\u6536\u652f\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>50% \u7d55\u5c0d\u5fc5\u9700\u54c1\uff08Needs\uff09\uff1a<\/strong>\u5305\u62ec\u4ea4\u901a\u8cbb\u3001\u65e5\u5e38\u4e09\u9910\u3001\u96fb\u8a71\u8cbb\u53ca\u5b78\u7fd2\u5fc5\u9700\u54c1\u3002\u82e5\u4e0d\u9700\u8981\u8ca0\u64d4\u5c4b\u79df\uff0c\u6b64\u90e8\u5206\u7684\u6bd4\u4f8b\u751a\u81f3\u53ef\u4ee5\u58d3\u5f97\u66f4\u4f4e\u3002<\/li>\n\n\n\n<li><strong>30% \u5f48\u6027\u82b1\u8cbb\uff08Wants\uff09\uff1a<\/strong>\u4f8b\u5982\u770b\u96fb\u5f71\u3001\u8207\u670b\u53cb\u805a\u9910\u3001\u8cb7\u8863\u670d\u7b49\u5a1b\u6a02\u958b\u92b7\uff0c\u662f\u70ba\u751f\u6d3b\u5e36\u4f86\u6eff\u8db3\u611f\u7684\u958b\u652f\uff0c\u4f46\u5fc5\u9808\u63a7\u5236\u5728\u958b\u652f 30% \u7684\u7bc4\u570d\u5167\u3002<\/li>\n\n\n\n<li><strong>20% \u5132\u84c4\u8207\u6295\u8cc7\uff08Savings\/Investments\uff09\uff1a<\/strong>\u7121\u8ad6\u7576\u6708\u517c\u8077\u6536\u5165\u662f\u591a\u5c11\uff0c\u90fd\u61c9\u786c\u6027\u898f\u5b9a\u81ea\u5df1\u5c07\u6536\u5165\u7684 20% \u64a5\u4f5c\u5132\u84c4\u6216\u6295\u8cc7\u7528\u9014\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u5012\u6263\u5f0f\u82b1\u8cbb\uff1a\u5927\u5c08\u751f\u65e5\u5e38\u7121\u75db\u5132\u84c4\u6280\u5de7<\/strong><\/h3>\n\n\n\n<p>\u5982\u679c\u4f60\u81ea\u8a8d\u81ea\u5236\u529b\u8f03\u5dee\uff0c\u7d93\u5e38\u4e00\u4e0d\u5c0f\u5fc3\u4fbf\u8d85\u51fa\u9810\u7b97\uff0c\u90a3\u9ebc\u300c\u5012\u6263\u5f0f\u5132\u84c4\u6cd5\u300d\uff08Pay Yourself First\uff09\u5c31\u53ef\u80fd\u662f\u4f60\u6700\u6709\u6548\u7684\u7121\u75db\u5132\u84c4\u6cd5\u3002\u7576\u4f60\u6536\u5230\u517c\u8077\u85aa\u6c34\u6216\u96f6\u7528\u9322\u7684\u7576\u5929\uff0c\u4fbf\u9996\u5148\u5c07\u4e0a\u8ff0\u7684 20% \u5132\u84c4\u91d1\u984d\u8f49\u81f3\u53e6\u4e00\u500b\u53ea\u9032\u4e0d\u51fa\u7684\u6236\u53e3\uff0c\u5269\u4e0b\u7684\u9322\u5c31\u662f\u4f60\u9019\u500b\u6708\u53ef\u4ee5\u52d5\u7528\u7684\u8cc7\u91d1\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u958b\u6e90\u7bc0\u6d41\uff1a\u7531\u65e5\u5e38\u751f\u6d3b\u505a\u8d77<\/strong><\/h3>\n\n\n\n<p>\u4e0d\u5c11\u5546\u6236\u90fd\u6703\u7d66\u4e88\u5927\u5c08\u751f\u5404\u985e\u7684\u512a\u60e0\u548c\u798f\u5229\uff0c\u540c\u5b78\u53ef\u591a\u52a0\u5584\u7528\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5584\u7528\u5927\u5c08\u751f\u5c08\u5c6c\u512a\u60e0\uff1a<\/strong>\u8cfc\u8cb7\u96fb\u5b50\u7522\u54c1\u3001\u8a02\u95b1\u8edf\u4ef6\u6216\u4e58\u642d\u516c\u5171\u4ea4\u901a\u5de5\u5177\u6642\uff0c\u52d9\u5fc5\u4f7f\u7528\u5b78\u751f\u512a\u60e0\u3002<\/li>\n\n\n\n<li><strong>\u4ee5\u96fb\u5b50\u6216\u4e8c\u624b\u6559\u79d1\u66f8\u4ee3\u66ff\uff1a<\/strong>\u5168\u65b0\u7684\u6559\u79d1\u66f8\u4e00\u822c\u9700\u8981\u6578\u767e\u5143\uff0c\u5584\u7528\u6821\u5167\u4e8c\u624b\u8cb7\u8ce3\u5e73\u53f0\u6216\u5411\u5e2b\u5144\u59d0\u501f\u7528\uff0c\u80fd\u7701\u4e0b\u53ef\u89c0\u7684\u8cbb\u7528\u3002<\/li>\n\n\n\n<li><strong>\u6e1b\u5c11\u8cfc\u8cb7\u9023\u9396\u5e97\u7684\u98f2\u54c1\uff1a<\/strong>\u6bcf\u5929\u4e00\u676f\u9023\u9396\u5e97\u5496\u5561\u6216\u624b\u6416\u98f2\u54c1\uff0c\u4e00\u500b\u6708\u7d2f\u7a4d\u4e0b\u4f86\u4ea6\u662f\u4e00\u7b46\u652f\u51fa\u3002\u5efa\u8b70\u591a\u5229\u7528\u5b78\u6821\u8336\u6c34\u9593\u6216\u81ea\u5099\u6c34\u58fa\uff0c\u7531\u751f\u6d3b\u4e2d\u770b\u4f3c\u5fae\u4e0d\u8db3\u9053\u7684\u90e8\u5206\u958b\u59cb\u6539\u5584\u7406\u8ca1\u3002<\/li>\n\n\n\n<li><strong>\u52a0\u5165\u6d88\u8cbb\u51b7\u975c\u671f<\/strong>\uff1a\u5728\u8cfc\u8cb7\u975e\u5fc5\u9700\u54c1\u524d\u5148\u7b49\u5f85 3 \u81f3 7 \u5929\u518d\u4e0b\u6c7a\u5b9a\uff0c\u8a2d\u4e0b\u8003\u616e\u6642\u9593\u53ef\u6709\u6548\u907f\u514d\u885d\u52d5\u8cfc\u7269\uff0c\u6e1b\u5c11\u4e0d\u5fc5\u8981\u7684\u7121\u8b02\u958b\u652f\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u5982\u4f55\u9054\u5230 25 \u6b72\u524d\u7684\u7b2c\u4e00\u6876\u91d1\u76ee\u6a19\uff1f\u5132\u84c4 vs \u6295\u8cc7<\/strong><\/h2>\n\n\n\n<p>\u7d2f\u7a4d\u4e86\u4e00\u5b9a\u7684\u8cc7\u91d1\u5f8c\uff0c\u4e0d\u5c11\u4eba\u90fd\u6703\u5fc3\u6025\u5c07\u7d55\u5927\u90e8\u5206\u8cc7\u91d1\u7528\u4f5c\u6295\u8cc7\uff08\u5982\u8cb7\u80a1\u7968\u7b49\uff09\u3002\u96d6\u7136\u6295\u8cc7\u7684\u78ba\u6709\u53ef\u80fd\u7372\u5f97\u8f03\u9ad8\u56de\u5831\uff0c\u4f46\u540c\u6a23\u5730\u90fd\u6709\u66f4\u591a\u4e0d\u78ba\u5b9a\u6027\uff0c\u4e26\u9700\u8981\u627f\u64d4\u66f4\u9ad8\u98a8\u96aa\u3002\u4ee5\u4e0b\u8868\u683c\u6bd4\u8f03\u4e86\u5132\u84c4\u8207\u6295\u8cc7\u7684\u5404\u65b9\u9762\u7684\u7279\u9ede\uff1a<\/p>\n\n\n<style>.kb-table-container15495_f355f4-c4{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:#636972;border-radius:16px !important;overflow:hidden !important;}.kb-table-container15495_f355f4-c4 .kb-table15495_f355f4-c4{border-collapse:separate !important;border-spacing:0 !important;border-radius:16px !important;}.kb-table-container15495_f355f4-c4 .kb-table15495_f355f4-c4 thead tr:first-child th:first-child{border-top-left-radius:16px !important;}.kb-table-container15495_f355f4-c4 .kb-table15495_f355f4-c4 thead tr:first-child th:last-child{border-top-right-radius:16px !important;}.kb-table-container15495_f355f4-c4 .kb-table15495_f355f4-c4 tbody tr:last-child td:first-child, .kb-table-container15495_f355f4-c4 .kb-table15495_f355f4-c4 tbody tr:last-child th:first-child{border-bottom-left-radius:16px !important;}.kb-table-container15495_f355f4-c4 .kb-table15495_f355f4-c4 tbody tr:last-child td:last-child, .kb-table-container15495_f355f4-c4 .kb-table15495_f355f4-c4 tbody tr:last-child th:last-child{border-bottom-right-radius:16px !important;}.kb-table-container15495_f355f4-c4{overflow-x:auto;}.kb-table-container .kb-table15495_f355f4-c4 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-table15495_f355f4-c4 th ul, .kb-table-container .kb-table15495_f355f4-c4 th ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table15495_f355f4-c4 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-table15495_f355f4-c4 td ul, .kb-table-container .kb-table15495_f355f4-c4 td ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table15495_f355f4-c4 td:nth-of-type(0){background-color:#63a7ff;}.kb-table-container .kb-table15495_f355f4-c4 th:nth-of-type(1){background-color:#63a7ff;}.kb-table-container .kb-table15495_f355f4-c4 td, .kb-table15495_f355f4-c4 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-table15495_f355f4-c4 td, .kb-table15495_f355f4-c4 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-table15495_f355f4-c4 td, .kb-table15495_f355f4-c4 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-container15495_f355f4-c4 wp-block-kadence-table\"><table class=\"kb-table kb-table15495_f355f4-c4\">\n<tr class=\"kb-table-row kb-table-row15495_663a50-93\">\n<th class=\"kb-table-data kb-table-data15495_0cd84b-59\">\n\n<p><\/p>\n\n<\/15495_0cd84b-59>\n\n<th class=\"kb-table-data kb-table-data15495_6b87ed-8c\">\n\n<p><strong>\u57fa\u790e\u5132\u84c4\uff08\u5982\u9ad8\u606f\u5b58\u6b3e\u3001\u5132\u84c4\u4fdd\uff09<\/strong><\/p>\n\n<\/15495_6b87ed-8c>\n\n<th class=\"kb-table-data kb-table-data15495_4afa4f-c2\">\n\n<p><strong>\u521d\u968e\u6295\u8cc7\uff08\u5982\u6708\u4f9b\u80a1\u7968\u3001ETF\uff09<\/strong><\/p>\n\n<\/15495_4afa4f-c2>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15495_ed1da2-3f\">\n<th class=\"kb-table-data kb-table-data15495_9ed893-07\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-6fec22d44685a074fa9ceb162c3be9c4\"><strong>\u4e3b\u8981\u76ee\u7684<\/strong><\/p>\n\n<\/15495_9ed893-07>\n\n<td class=\"kb-table-data kb-table-data15495_433eaa-93\">\n\n<p>\u5efa\u7acb\u7dca\u6025\u5099\u7528\u91d1\u3001\u4fdd\u672c\u6536\u606f\u3001\u990a\u6210\u5132\u84c4\u7fd2\u6163<\/p>\n\n<\/15495_433eaa-93>\n\n<td class=\"kb-table-data kb-table-data15495_b2c7e8-0d\">\n\n<p>\u8ffd\u6c42\u8cc7\u672c\u589e\u503c\u3001\u5c0d\u6297\u901a\u8ca8\u81a8\u8139<\/p>\n\n<\/15495_b2c7e8-0d>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15495_d3c1b4-75\">\n<th class=\"kb-table-data kb-table-data15495_fc082f-fb\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-081e44e81ef45d5451053e6f5639ecc7\"><strong>\u98a8\u96aa\u7a0b\u5ea6<\/strong><\/p>\n\n<\/15495_fc082f-fb>\n\n<td class=\"kb-table-data kb-table-data15495_6aed8d-30\">\n\n<p>\u8f03\u4f4e&nbsp;<\/p>\n\n<\/15495_6aed8d-30>\n\n<td class=\"kb-table-data kb-table-data15495_c207d5-fe\">\n\n<p>\u4e2d\u81f3\u9ad8\u98a8\u96aa\uff08\u53d7\u5e02\u5834\u6ce2\u52d5\u5f71\u97ff\uff09<\/p>\n\n<\/15495_c207d5-fe>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15495_0f9fb8-92\">\n<th class=\"kb-table-data kb-table-data15495_ad8056-70\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-f9097e085ece2be6e2dca606f14c689b\"><strong>\u8cc7\u91d1\u6d41\u52d5\u6027<\/strong><\/p>\n\n<\/15495_ad8056-70>\n\n<td class=\"kb-table-data kb-table-data15495_a97c35-2b\">\n\n<p>\u8f03\u9ad8\uff08\u8996\u4e4e\u7522\u54c1\u5e74\u671f\uff0c\u77ed\u671f\u5132\u84c4\u7522\u54c1\u8f03\u5177\u5f48\u6027\uff09<\/p>\n\n<\/15495_a97c35-2b>\n\n<td class=\"kb-table-data kb-table-data15495_66faf2-36\">\n\n<p>\u8f03\u4f4e\uff08\u82e5\u5728\u5e02\u5834\u4f4e\u8ff7\u6642\u6025\u9700\u5957\u73fe\u6703\u5c0e\u81f4\u8667\u640d\uff09<\/p>\n\n<\/15495_66faf2-36>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15495_b6f5f9-77\">\n<th class=\"kb-table-data kb-table-data15495_844303-06\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-fd3b8ce83bb9d4f48c50a1860c5947eb\"><strong>\u5efa\u8b70<\/strong><\/p>\n\n<\/15495_844303-06>\n\n<td class=\"kb-table-data kb-table-data15495_24cd24-8d\">\n\n<p>\u7d55\u5c0d\u512a\u5148\u3002\u5efa\u8b70\u5148\u5b58\u6eff\u76f8\u7b49\u65bc 3 \u81f3 6 \u500b\u6708\u751f\u6d3b\u8cbb\u7684\u7dca\u6025\u5132\u5099\uff0c\u518d\u8003\u616e\u5176\u4ed6\u6295\u8cc7\u5de5\u5177\u3002<\/p>\n\n<\/15495_24cd24-8d>\n\n<td class=\"kb-table-data kb-table-data15495_230917-dc\">\n\n<p>\u9069\u5408\u5728\u5df2\u5efa\u7acb\u7a69\u56fa\u5132\u84c4\u57fa\u790e\uff0c\u4e26\u5177\u5099\u4e00\u5b9a\u8ca1\u5546\u77e5\u8b58\u5f8c\uff0c\u7528\u9592\u9322\u9032\u884c\u9577\u671f\u4f48\u5c40\u3002<\/p>\n\n<\/15495_230917-dc>\n<\/tr>\n<\/table><\/div>\n\n\n<p><\/p>\n\n\n\n<p>\u5c0d\u65bc\u672a\u6709\u592a\u5927\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u7684\u5b78\u751f\u4f86\u8aaa\uff0c\u4f4e\u98a8\u96aa\u3001\u7a69\u5b9a\u7684\u5132\u84c4\u5de5\u5177\u80fd\u5e6b\u52a9\u4f60\u5728\u672a\u719f\u6089\u5e02\u5834\u904b\u4f5c\u524d\uff0c\u9010\u6b65\u9054\u6210\u5132\u84c4\u76ee\u6a19\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u5927\u5b78\u751f\u8981\u600e\u9ebc\u5b58\u9322<\/strong><strong>\uff1f\u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd<\/strong><\/h2>\n\n\n\n<p>\u5927\u5b78\u751f\u8981\u6709\u6548\u5b58\u9322\uff0c\u61c9\u8a72\u5148\u990a\u6210\u8a18\u5e33\u7fd2\u6163\u4ee5\u6e96\u78ba\u63a7\u5236\u65e5\u5e38\u958b\u92b7\uff0c\u4e26\u56b4\u683c\u990a\u6210\u300c\u5148\u5132\u84c4\u3001\u5f8c\u6d88\u8cbb\u300d\u7684\u539f\u5247\uff0c\u5c07\u6bcf\u500b\u6708\u7684\u96f6\u7528\u9322\u6216\u517c\u8077\u6536\u5165\u6309\u56fa\u5b9a\u6bd4\u4f8b\u9996\u5148\u5b58\u8d77\u4f86\u3002<\/p>\n\n\n\n<p>\u9078\u64c7\u6295\u4fdd\u9580\u6abb\u4f4e\u7684\u500b\u4eba\u7406\u8ca1\u8a08\u5283 <a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\">WeSave \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd ST1<\/a>\uff0c\u80fd\u63d0\u4f9b\u6bd4\u4e00\u822c\u6d3b\u671f\u5b58\u6b3e\u66f4\u5177\u7af6\u722d\u529b\u7684\u4fdd\u8b49\u56de\u5831\uff0c\u5e6b\u52a9\u4f60\u5c0d\u6297\u901a\u8139\uff0c\u975e\u5e38\u9069\u5408\u8cc7\u91d1\u6709\u9650\u4f46\u5e0c\u671b\u990a\u6210\u5132\u84c4\u7d00\u5f8b\u7684\u5927\u5c08\u751f\u3002\u5982\u679c\u5c07\u8f9b\u82e6\u8cfa\u53d6\u7684\u6536\u5165\u6216\u734e\u5b78\u91d1\uff0c\u5168\u90e8\u653e\u5728\u5e7e\u4e4e\u96f6\u5229\u606f\u56de\u5831\u7684\u50b3\u7d71\u6d3b\u671f\u6236\u53e3\uff0c\u9577\u9060\u800c\u8a00\u901a\u8139\u5c31\u6703\u9010\u6f38\u524a\u5f31\u4f60\u7684\u8cfc\u8cb7\u529b\u3002\u900f\u904e\u5c07\u90e8\u5206\u300c50\/30\/20 \u6cd5\u5247\u300d\u4e2d\u5283\u5206\u51fa\u4f86\u7684 20% \u5132\u84c4\u64a5\u5165\u6b64\u985e\u8a08\u5283\uff0c\u914d\u5408\u300c\u5148\u5132\u84c4\u3001\u5f8c\u6d88\u8cbb\u300d\u7684\u5012\u6263\u6a21\u5f0f\uff0c\u78ba\u4fdd\u8cc7\u91d1\u5728\u7279\u5b9a\u5e74\u671f\u5167\u7a69\u5b9a\u589e\u9577\uff0c\u8b93\u4f60\u66f4\u5feb\u5132\u5230\u7b2c\u4e00\u6876\u91d1\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Blue WeSave \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd \u52a9\u5927\u5c08\u751f\u8f15\u9b06\u5b58\u9322<\/strong><\/h2>\n\n\n\n<p>\u7528\u4ee5\u4e0a\u7684\u5927\u5b78\u751f\u7406\u8ca1\u65b9\u6cd5\u898f\u5283\u53ca\u7ba1\u7406\u500b\u4eba\u8ca1\u52d9\uff0c\u66f4\u8f15\u6613\u4fbf\u80fd\u5728 25 \u6b72\u524d\u8f15\u9b06\u5b58\u5230\u4eba\u751f\u7684\u7b2c\u4e00\u6876\u91d1\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment?discountCode3=BLOGST1\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1200\" height=\"309\" src=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-sokosan-4.12-TC-blog.jpg\" alt=\"3\u5e74\u671f\u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd \u6bcf\u5e744.12%\u4fdd\u8b49\u56de\u5831\" class=\"wp-image-15401\" srcset=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-sokosan-4.12-TC-blog.jpg 1200w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-sokosan-4.12-TC-blog-300x77.jpg 300w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-sokosan-4.12-TC-blog-1024x264.jpg 1024w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-sokosan-4.12-TC-blog-768x198.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/figure>\n\n\n\n<p>Blue WeSave \u7cfb\u5217\u7684 <a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\">WeSave \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd ST1<\/a> \u8a2d\u6709\u4fdd\u8b49\u56de\u5831\u4e26\u53ef\u9078\u64c7 1 \u81f3 3 \u5e74\u7684\u9748\u6d3b\u5e74\u671f\uff0c\u4ee5\u4e00\u7b46\u904e\u7e73\u4ed8\u4fdd\u8cbb\u5373\u53ef\u9396\u5b9a\u606f\u53e3\uff0c\u662f\u4f4e\u98a8\u96aa\u4e14\u5177\u7a69\u5b9a\u56de\u5831\u3001\u5c24\u5176\u9069\u5408\u5927\u5c08\u751f\u7684\u5132\u84c4\u8a08\u5283\u3002\u9078\u64c7 3 \u5e74\u671f\u8a08\u5283\u66f4\u53ef\u4eab\u6bcf\u5e744.12% \u7684\u4fdd\u8b49\u56de\u5831\u7387\uff0c\u76f8\u7b49\u65bc\u671f\u6eff\u53ef\u4e00\u7b46\u904e\u53d6\u56de\u7e3d\u7e73\u4fdd\u8cbb\u7684 112.9%\uff0c\u5145\u4efd\u61c9\u5c0d\u672a\u4f86\u6b63\u5f0f\u6b65\u5165\u793e\u6703\u5f8c\u7684\u5404\u7a2e\u8ca1\u52d9\u9700\u6c42\u3002<\/p>\n\n\n\n<p>Blue WeSave \u7cfb\u5217\u7684 <a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\">WeSave \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd ST1<\/a>\uff0c\u4ee5\u4e00\u7b46\u904e\u7e73\u4ed8\u4fdd\u8cbb\u5f62\u5f0f\u6295\u4fdd\uff0c\u6295\u4fdd\u4e00\u523b\u5df2\u9396\u5b9a\u4fdd\u8b49\u56de\u5831\u7387\uff0c\u5f80\u5f8c\u4e0d\u53d7\u5e02\u5834\u6ce2\u52d5\u5f71\u97ff\uff0c\u9069\u5408\u8ffd\u6c42\u7a69\u5065\u589e\u503c\u591a\u65bc\u535a\u53d6\u9ad8\u98a8\u96aa\u56de\u5831\u7684\u4e00\u7fa4\uff1a<\/p>\n\n\n\n<p>\u4fdd\u8b49\u56de\u5831 \u2014 3 \u5e74\u671f\u8a08\u5283\u6bcf\u5e74\u4fdd\u8b49\u56de\u5831 4.12%\uff0c\u6536\u76ca\u5728\u6295\u4fdd\u6642\u5df2\u7d93\u78ba\u5b9a<br>\u606f\u7387\u9396\u5b9a \u2014 \u5168\u671f\u606f\u7387\u56fa\u5b9a\uff0c\u6bcb\u9808\u56e0\u61c9\u5e02\u6cc1\u8abf\u6574\u7b56\u7565<br>\u671f\u6eff\u6536\u76ca \u2014 3 \u5e74\u671f\u6eff\u53ef\u9023\u672c\u5e36\u5229\u53d6\u56de\u76f8\u7b49\u65bc\u7e3d\u7e73\u4fdd\u8cbb 112.9% \u7684\u91d1\u984d<\/p>\n\n\n\n<p>\u63db\u8a00\u4e4b\uff0c\u6295\u5165\u6e2f\u5e63$20 \u842c\uff0c3 \u5e74\u671f\u6eff\u4fdd\u8b49\u53ef\u53d6\u56de\u7d04\u6e2f\u5e63$225,800\u3002\u9019\u7b46\u8cc7\u91d1\u53ef\u4ee5\u662f\u7f6e\u696d\u9996\u671f\u7684\u4e00\u90e8\u5206\u3001\u9032\u4fee\u57fa\u91d1\uff0c\u6291\u6216\u662f\u96a8\u6642\u53ef\u52d5\u7528\u7684\u61c9\u6025\u5132\u5099\uff0c\u52a9\u4f60\u61c9\u5c0d\u4eba\u751f\u4e0d\u540c\u968e\u6bb5\u7684\u9700\u8981\u3002<br><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\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\n<p>\u53c3\u8003\u8cc7\u6599\uff1a<\/p>\n\n\n\n<p>Investopedia &#8211; <a href=\"https:\/\/www.investopedia.com\/ask\/answers\/022916\/what-502030-budget-rule.asp\">The 50\/30\/20 Budget Rule Explained With Examples<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u5e38\u898b\u554f\u984c\uff08FAQ\uff09<\/h2>\n\n\n\n<p><strong>\u5b78\u751f\u8a72\u5c07\u517c\u8077\u6216\u734e\u5b78\u91d1\u6536\u5165\u5168\u6578\u5b58\u5165\u9280\u884c\u50b3\u7d71\u6d3b\u671f\u6236\u53e3\u55ce\uff1f<\/strong><br>\u4e0d\u5efa\u8b70\u5168\u6578\u5b58\u5165\u3002\u50b3\u7d71\u6d3b\u671f\u6236\u53e3\u5229\u7387\u6975\u4f4e\uff0c\u8cc7\u91d1\u5bb9\u6613\u88ab\u901a\u8139\u4fb5\u8755\u3002\u5efa\u8b70\u53ea\u9700\u4fdd\u7559 3 \u81f3 6 \u500b\u6708\u7684\u751f\u6d3b\u8cbb\u4f5c\u7dca\u6025\u5f8c\u5099\u8cc7\u91d1\uff0c\u5176\u9918\u6536\u5165\u53ef\u8003\u616e\u8f49\u81f3\u8f03\u9ad8\u606f\u7684\u5b9a\u671f\u5b58\u6b3e\u6216\u77ed\u671f\u5132\u84c4\u4fdd\u96aa\uff0c\u62b5\u6297\u901a\u8139\u540c\u6642\u4ee4\u8cc7\u91d1\u7a69\u5b9a\u589e\u9577\u3002<\/p>\n\n\n\n<p><strong>\u5927\u5b78\u751f\u5982\u679c\u7533\u8acb\u4e86\u653f\u5e9c\u5b78\u8cc7\u8655\u7684\u5b78\u751f\u8cb8\u6b3e\u61c9\u8a72\u5982\u4f55\u898f\u5283\u9019\u7b46\u9322\uff1f<\/strong><br>\u61c9\u56b4\u8b39\u898f\u5283\u7528\u65bc\u5b78\u696d\u53ca\u65e5\u5e38\u7684\u5fc5\u8981\u958b\u652f\u3002\u653f\u5e9c\u7684\u8cc7\u52a9\u6216\u8cb8\u6b3e\uff08\u5982 Grant Loan \u6216 Non-means-tested loan\uff09\u8a2d\u7acb\u7684\u521d\u8877\u662f\u5354\u52a9\u5b78\u751f\u89e3\u6c7a\u5b78\u8cbb\u53ca\u57fa\u672c\u751f\u6d3b\u958b\u652f\uff0c\u6e1b\u8f15\u6c42\u5b78\u671f\u9593\u7684\u7d93\u6fdf\u58d3\u529b\u3002\u6b64\u8cc7\u91d1\u4e0d\u61c9\u7528\u65bc\u9ad8\u98a8\u96aa\u6295\u8cc7\uff08\u5982\u7092\u80a1\u3001\u865b\u64ec\u8ca8\u5e63\uff09\u6216\u8cfc\u8cb7\u5962\u4f88\u54c1\u7b49\uff0c\u4e26\u61c9\u53ca\u65e9\u5236\u5b9a\u672a\u4f86\u9084\u6b3e\u8a08\u5283\uff0c\u907f\u514d\u7562\u696d\u5f8c\u5373\u9762\u81e8\u6c89\u91cd\u7684\u50b5\u52d9\u58d3\u529b\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u300cWeSave\u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fddST1\u300d\u70ba\u5132\u84c4\u4fdd\u96aa\u8a08\u5283\uff0c\u4e26\u975e\u9280\u884c\u5132\u84c4\u7522\u54c1\u3002<\/p>\n\n\n\n<p>\u514d\u8cac\u8072\u660e\ufe55 <br>\u4e0a\u8ff0\u7522\u54c1\u53ca\u8cc7\u8a0a\u7531Blue Insurance Limited\uff08\u300cBlue\u300d\uff09\u63d0\u4f9b\u3002 \u4e0a\u8ff0\u7522\u54c1\u53ea\u8a08\u5283\u65bc\u9999\u6e2f\u5883\u5167\u51fa\u552e\uff0c\u7522\u54c1\u53ca\u512a\u60e0\u5747\u53d7\u689d\u6b3e\u53ca\u7d30\u5247\u7d04\u675f\uff0c\u8a73\u60c5\u8acb\u53c3\u95b1\u76f8\u95dc\u7522\u54c1\u6982\u8981\u53ca\u4fdd\u55ae\u689d\u6b3e\u3002 \u4ee5\u4e0a\u8cc7\u6599\u50c5\u4f9b\u53c3\u8003\uff0c\u4e0d\u61c9\u88ab\u8996\u4f5c\u70ba\u4efb\u4f55\u5f62\u5f0f\u4e4b\u8981\u7d04\u6216\u63a8\u85a6\u8cfc\u8cb7\u4fdd\u96aa\u7522\u54c1\u3002 \u672c\u6587\u520a\u8f09\u7684\u8cc7\u6599\u53ea\u4f9b\u53c3\u8003\uff0cBlue\u4e0d\u4fdd\u8b49\u8cc7\u8a0a\u7684\u5b8c\u6574\u6027\u548c\u6e96\u78ba\u6027\u3002\u5c0d\u65bc\u4f60\u56e0\u672c\u6587\u520a\u8f09\u7684\u4efb\u4f55\u8cc7\u8a0a\u800c\u53ef\u80fd\u62db\u81f4\u7684\u640d\u5931\u3001\u640d\u5bb3\u8ce0\u511f\u3001\u8a1f\u8cbb\u6216\u5176\u4ed6\u958b\u652f\u53ca\u8cac\u4efb\uff0cBlue\u6982\u4e0d\u8ca0\u8cac\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5927\u5b78\u7684\u4e0a\u8ab2\u6642\u9593\u6bd4\u8f03\u5f48\u6027\uff0c\u4e0d\u5c11\u5b78\u751f\u90fd\u6703\u5229\u7528\u8ab2\u5f8c\u7a7a\u6687\u505a\u517c\u8077\u8cfa\u53d6\u984d\u5916\u6536\u5165\uff0c\u537b\u6bcf\u4e00\u5230\u6708\u5e95\u5c31\u6210\u70ba\u300c\u6708\u5149\u65cf\u300d\u3002\u5728\u6b63\u5f0f\u6b65\u5165\u793e\u6703\u524d\u53ca\u65e9\u5efa\u7acb\u6b63\u78ba\u7684\u8ca1\u52d9\u6982\u5ff5\uff0c\u624d\u80fd\u70ba\u672a\u4f86\u8216\u8def\u4e26\u61c9\u5c0d\u7a81\u767c\u72c0\u6cc1\u3002Blue\u7406\u8ca1\u9054\u4eba\u5c07\u70ba\u4f60\u62c6\u89e3\u5927\u5b78\u751f\u7406\u8ca1\u898f\u5283\u7684\u65b9\u6cd5\uff0c\u4ee5\u53ca\u5982\u4f55\u5728 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