{"id":5490,"date":"2024-01-06T14:07:03","date_gmt":"2024-01-06T06:07:03","guid":{"rendered":"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87"},"modified":"2024-01-06T14:07:03","modified_gmt":"2024-01-06T06:07:03","slug":"%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87","status":"publish","type":"post","link":"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/","title":{"rendered":"\u3010\u751a\u9ebc\u662f\u539f\u8eca\u878d\u8cc7\uff1f\u5c08\u5bb6\u5e36\u4f60\u77ad\u89e3\u539f\u8eca\u878d\u8cc7\u7684\u91cd\u8981\u6027\u3011"},"content":{"rendered":"<p>\u524d\u8a00\uff1a<\/p>\n<p>\u4ec0\u9ebc\u662f\u539f\u8eca\u878d\u8cc7\u5462\uff1f\u539f\u8eca\u878d\u8cc7\uff0c\u4ea6\u7a31\u4f5c\u6c7d\u8eca\u539f\u8eca\u878d\u8cc7\uff0c\u6307\u7684\u6b63\u662f\u7531\u539f\u54c1\u724c\u6c7d\u8eca\u539f\u5ee0\u6240\u63d0\u4f9b\u7684\u6c7d\u8eca\u8cb8\u6b3e\u91d1\u878d\u65b9\u6848\u3002\u539f\u8eca\u878d\u8cc7\u65b9\u6848\u901a\u5e38\u7531\u6c7d\u8eca\u88fd\u9020\u5546\u6216\u7d93\u92b7\u5546\u63d0\u4f9b\uff0c\u8b93\u6d88\u8cbb\u8005\u5728\u8cfc\u8cb7\u65b0\u8eca\u6216\u4e8c\u624b\u8eca\u6642\u53ef\u4ee5\u5206\u671f\u4ed8\u6b3e\uff0c\u8b93\u8cb7\u8eca\u7684\u8cc7\u91d1\u58d3\u529b\u6e1b\u8f15\u3002\u539f\u8eca\u878d\u8cc7\u5177\u6709\u8a31\u591a\u597d\u8655\uff0c\u5305\u62ec\u5229\u7387\u8f03\u4f4e\u3001\u9084\u6b3e\u65b9\u5f0f\u9748\u6d3b\u3001\u5be9\u6838\u901f\u5ea6\u5feb\u7b49\uff0c\u56e0\u6b64\u53d7\u5230\u5ee3\u5927\u6d88\u8cbb\u8005\u7684\u9752\u775e\u3002<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_72 counter-hierarchy ez-toc-counter ez-toc-black ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" 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href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#%E6%96%B0%E8%BB%8A%E5%8E%9F%E8%BB%8A%E8%9E%8D%E8%B3%87\" title=\"\u65b0\u8eca\u539f\u8eca\u878d\u8cc7\">\u65b0\u8eca\u539f\u8eca\u878d\u8cc7<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#%E4%BA%8C%E6%89%8B%E8%BB%8A%E5%8E%9F%E8%BB%8A%E8%9E%8D%E8%B3%87\" title=\"\u4e8c\u624b\u8eca\u539f\u8eca\u878d\u8cc7\">\u4e8c\u624b\u8eca\u539f\u8eca\u878d\u8cc7<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#refinacing_%E5%86%8D%E8%9E%8D%E8%B3%87\" title=\"refinacing (\u518d\u878d\u8cc7)\">refinacing (\u518d\u878d\u8cc7)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#%E8%B2%B8%E6%AC%BE%E6%9C%9F%E9%99%90\" title=\"\u8cb8\u6b3e\u671f\u9650\">\u8cb8\u6b3e\u671f\u9650<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#%E5%88%A9%E7%8E%87\" title=\"\u5229\u7387\">\u5229\u7387<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#%E9%82%84%E6%AC%BE%E6%96%B9%E5%BC%8F\" title=\"\u9084\u6b3e\u65b9\u5f0f\">\u9084\u6b3e\u65b9\u5f0f<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#%E5%8E%9F%E8%BB%8A%E8%9E%8D%E8%B3%87%E5%B8%B6%E4%BE%86%E7%9A%84%E5%84%AA%E5%8B%A2\" title=\"\u539f\u8eca\u878d\u8cc7\u5e36\u4f86\u7684\u512a\u52e2\">\u539f\u8eca\u878d\u8cc7\u5e36\u4f86\u7684\u512a\u52e2<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#%E4%BB%80%E9%BA%BC%E6%98%AF%E5%8E%9F%E8%BB%8A%E8%9E%8D%E8%B3%87%EF%BC%9A%E7%94%B3%E8%AB%8B%E6%B5%81%E7%A8%8B%E8%88%87%E9%A0%88%E7%9F%A5\" title=\"\u4ec0\u9ebc\u662f\u539f\u8eca\u878d\u8cc7\uff1a\u7533\u8acb\u6d41\u7a0b\u8207\u9808\u77e5\">\u4ec0\u9ebc\u662f\u539f\u8eca\u878d\u8cc7\uff1a\u7533\u8acb\u6d41\u7a0b\u8207\u9808\u77e5<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#1_%E7%A2%BA%E5%AE%9A%E9%A0%90%E7%AE%97%E5%92%8C%E9%9C%80%E6%B1%82\" title=\"1. \u78ba\u5b9a\u9810\u7b97\u548c\u9700\u6c42\">1. \u78ba\u5b9a\u9810\u7b97\u548c\u9700\u6c42<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#2_%E9%81%B8%E6%93%87%E8%B2%B8%E6%AC%BE%E6%A9%9F%E6%A7%8B\" title=\"2. \u9078\u64c7\u8cb8\u6b3e\u6a5f\u69cb\">2. \u9078\u64c7\u8cb8\u6b3e\u6a5f\u69cb<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#3_%E7%94%B3%E8%AB%8B%E8%B2%B8%E6%AC%BE\" title=\"3. \u7533\u8acb\u8cb8\u6b3e\">3. \u7533\u8acb\u8cb8\u6b3e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#4_%E8%B3%BC%E8%B2%B7%E6%B1%BD%E8%BB%8A\" title=\"4. \u8cfc\u8cb7\u6c7d\u8eca\">4. \u8cfc\u8cb7\u6c7d\u8eca<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#%E5%8E%9F%E8%BB%8A%E8%9E%8D%E8%B3%87%E5%A6%82%E4%BD%95%E5%BD%B1%E9%9F%BF%E4%BF%A1%E7%94%A8%E8%A9%95%E5%88%86\" title=\"\u539f\u8eca\u878d\u8cc7\u5982\u4f55\u5f71\u97ff\u4fe1\u7528\u8a55\u5206\">\u539f\u8eca\u878d\u8cc7\u5982\u4f55\u5f71\u97ff\u4fe1\u7528\u8a55\u5206<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#1_%E6%8C%89%E6%99%82%E5%84%9F%E9%82%84%E8%B2%B8%E6%AC%BE\" title=\"1. \u6309\u6642\u511f\u9084\u8cb8\u6b3e\">1. \u6309\u6642\u511f\u9084\u8cb8\u6b3e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#2_%E5%A2%9E%E5%8A%A0%E4%BF%A1%E7%94%A8%E7%B5%84%E5%90%88\" title=\"2. \u589e\u52a0\u4fe1\u7528\u7d44\u5408\">2. \u589e\u52a0\u4fe1\u7528\u7d44\u5408<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#3_%E6%B8%9B%E5%B0%91%E5%82%B5%E5%8B%99%E9%A4%98%E9%A1%8D\" title=\"3. \u6e1b\u5c11\u50b5\u52d9\u9918\u984d\">3. \u6e1b\u5c11\u50b5\u52d9\u9918\u984d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#4_%E5%BB%B6%E9%95%B7%E4%BF%A1%E7%94%A8%E6%AD%B7%E5%8F%B2\" title=\"4. \u5ef6\u9577\u4fe1\u7528\u6b77\u53f2\">4. \u5ef6\u9577\u4fe1\u7528\u6b77\u53f2<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#5_%E4%BF%A1%E7%94%A8%E5%88%A9%E7%94%A8%E7%8E%87\" title=\"5. \u4fe1\u7528\u5229\u7528\u7387\">5. \u4fe1\u7528\u5229\u7528\u7387<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#%E5%8E%9F%E8%BB%8A%E8%9E%8D%E8%B3%87%E7%9A%84%E5%BD%B1%E9%9F%BF%E5%9B%A0%E7%B4%A0\" title=\"\u539f\u8eca\u878d\u8cc7\u7684\u5f71\u97ff\u56e0\u7d20\">\u539f\u8eca\u878d\u8cc7\u7684\u5f71\u97ff\u56e0\u7d20<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#%E4%BB%80%E9%BA%BC%E6%98%AF%E5%8E%9F%E8%BB%8A%E8%9E%8D%E8%B3%87%E7%B5%90%E8%AB%96\" title=\"\u4ec0\u9ebc\u662f\u539f\u8eca\u878d\u8cc7\u7d50\u8ad6\">\u4ec0\u9ebc\u662f\u539f\u8eca\u878d\u8cc7\u7d50\u8ad6<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#%E4%BB%80%E9%BA%BC%E6%98%AF%E5%8E%9F%E8%BB%8A%E8%9E%8D%E8%B3%87_%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C%E5%BF%AB%E9%80%9FFAQ\" title=\"\u4ec0\u9ebc\u662f\u539f\u8eca\u878d\u8cc7 \u5e38\u898b\u554f\u984c\u5feb\u901fFAQ\">\u4ec0\u9ebc\u662f\u539f\u8eca\u878d\u8cc7 \u5e38\u898b\u554f\u984c\u5feb\u901fFAQ<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#1_%E9%97%9C%E6%96%BC%E5%8E%9F%E8%BB%8A%E8%9E%8D%E8%B3%87%EF%BC%8C%E6%88%91%E6%9C%89%E5%A4%9A%E5%B0%91%E9%81%B8%E6%93%87%EF%BC%9F\" title=\"1. \u95dc\u65bc\u539f\u8eca\u878d\u8cc7\uff0c\u6211\u6709\u591a\u5c11\u9078\u64c7\uff1f\">1. \u95dc\u65bc\u539f\u8eca\u878d\u8cc7\uff0c\u6211\u6709\u591a\u5c11\u9078\u64c7\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#2_%E5%8E%9F%E8%BB%8A%E8%9E%8D%E8%B3%87%E6%9C%89%E4%BB%80%E9%BA%BC%E6%A8%A3%E7%9A%84%E5%88%A9%E7%8E%87%EF%BC%9F\" title=\"2. \u539f\u8eca\u878d\u8cc7\u6709\u4ec0\u9ebc\u6a23\u7684\u5229\u7387\uff1f\">2. \u539f\u8eca\u878d\u8cc7\u6709\u4ec0\u9ebc\u6a23\u7684\u5229\u7387\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/lmdy123.com\/%e4%bb%80%e9%ba%bc%e6%98%af%e5%8e%9f%e8%bb%8a%e8%9e%8d%e8%b3%87\/#3_%E5%8E%9F%E8%BB%8A%E8%9E%8D%E8%B3%87%E6%9C%83%E5%BD%B1%E9%9F%BF%E4%BF%A1%E7%94%A8%E8%A9%95%E5%88%86%E5%97%8E%EF%BC%9F\" title=\"3. \u539f\u8eca\u878d\u8cc7\u6703\u5f71\u97ff\u4fe1\u7528\u8a55\u5206\u55ce\uff1f\">3. \u539f\u8eca\u878d\u8cc7\u6703\u5f71\u97ff\u4fe1\u7528\u8a55\u5206\u55ce\uff1f<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%E5%8E%9F%E8%BB%8A%E8%9E%8D%E8%B3%87%E7%9A%84%E9%A1%9E%E5%9E%8B%E8%88%87%E9%81%B8%E6%93%87\"><\/span>\u539f\u8eca\u878d\u8cc7\u7684\u985e\u578b\u8207\u9078\u64c7<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u539f\u8eca\u878d\u8cc7\u63d0\u4f9b\u591a\u7a2e\u9078\u64c7\uff0c\u4ee5\u6eff\u8db3\u4e0d\u540c\u8eca\u4e3b\u548c\u8cc7\u91d1\u9700\u6c42\u3002\u7576\u60a8\u7533\u8acb\u539f\u8eca\u878d\u8cc7\u6642\uff0c\u60a8\u5c07\u9762\u81e8\u591a\u7a2e\u9078\u64c7\uff0c\u5305\u62ec\u8cb8\u6b3e\u671f\u9650\u3001\u5229\u7387\u548c\u9084\u6b3e\u65b9\u5f0f\u3002\u77ad\u89e3\u9019\u4e9b\u9078\u64c7\u4e26\u9078\u64c7\u6700\u9069\u5408\u60a8\u9700\u6c42\u7684\u9078\u64c7\u975e\u5e38\u91cd\u8981\u3002<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%E6%96%B0%E8%BB%8A%E5%8E%9F%E8%BB%8A%E8%9E%8D%E8%B3%87\"><\/span><b>\u65b0\u8eca\u539f\u8eca\u878d\u8cc7<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u65b0\u8eca\u539f\u8eca\u878d\u8cc7\u662f\u6307\u60a8\u8cfc\u8cb7\u65b0\u8eca\u6642\u5411\u8cb8\u6b3e\u6a5f\u69cb\u7533\u8acb\u7684\u8cb8\u6b3e\u3002\u65b0\u8eca\u539f\u8eca\u878d\u8cc7\u901a\u5e38\u5177\u6709\u8f03\u4f4e\u7684\u5229\u7387\u548c\u8f03\u9577\u7684\u8cb8\u6b3e\u671f\u9650\uff0c\u56e0\u70ba\u65b0\u8eca\u901a\u5e38\u88ab\u8996\u70ba\u8f03\u5b89\u5168\u7684\u6295\u8cc7\u3002.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%E4%BA%8C%E6%89%8B%E8%BB%8A%E5%8E%9F%E8%BB%8A%E8%9E%8D%E8%B3%87\"><\/span><b>\u4e8c\u624b\u8eca\u539f\u8eca\u878d\u8cc7<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u4e8c\u624b\u8eca\u539f\u8eca\u878d\u8cc7\u662f\u6307\u60a8\u8cfc\u8cb7\u4e8c\u624b\u8eca\u6642\u5411\u8cb8\u6b3e\u6a5f\u69cb\u7533\u8acb\u7684\u8cb8\u6b3e\u3002\u4e8c\u624b\u8eca\u539f\u8eca\u878d\u8cc7\u901a\u5e38\u5177\u6709\u8f03\u9ad8\u7684\u5229\u7387\u548c\u8f03\u77ed\u7684\u8cb8\u6b3e\u671f\u9650\uff0c\u56e0\u70ba\u4e8c\u624b\u8eca\u901a\u5e38\u88ab\u8996\u70ba\u8f03\u4e0d\u5b89\u5168\u7684\u6295\u8cc7\u3002<\/p>\n<h3><span class=\"ez-toc-section\" id=\"refinacing_%E5%86%8D%E8%9E%8D%E8%B3%87\"><\/span><b> refinacing (\u518d\u878d\u8cc7) <\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>refinancing (\u518d\u878d\u8cc7)\u662f\u6307\u60a8\u5c07\u73fe\u6709\u8eca\u8cb8\u8f49\u79fb\u81f3\u53e6\u4e00\u5bb6\u8cb8\u6b3e\u6a5f\u69cb\u7684\u904e\u7a0b\u3002refinancing (\u518d\u878d\u8cc7)\u901a\u5e38\u7528\u65bc\u964d\u4f4e\u5229\u606f\u6216\u5ef6\u9577\u8cb8\u6b3e\u671f\u9650\u3002refinancing (\u518d\u878d\u8cc7)\u53ef\u4ee5\u662f\u4e00\u500b\u597d\u65b9\u6cd5\uff0c\u53ef\u4ee5\u7bc0\u7701\u8cc7\u91d1\u6216\u4f7f\u60a8\u7684\u8eca\u8cb8\u66f4\u6613\u65bc\u7ba1\u7406\u3002<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%E8%B2%B8%E6%AC%BE%E6%9C%9F%E9%99%90\"><\/span><b>\u8cb8\u6b3e\u671f\u9650<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u8cb8\u6b3e\u671f\u9650\u662f\u60a8\u511f\u9084\u539f\u8eca\u878d\u8cc7\u7684\u671f\u9650\u3002\u8cb8\u6b3e\u671f\u9650\u901a\u5e38\u5728 24 \u500b\u6708\u5230 84 \u500b\u6708\u4e4b\u9593\u3002\u8f03\u9577\u7684\u8cb8\u6b3e\u671f\u9650\u901a\u5e38\u5177\u6709\u8f03\u4f4e\u7684\u6bcf\u6708\u4ed8\u6b3e\uff0c\u4f46\u60a8\u6700\u7d42\u652f\u4ed8\u7684\u5229\u606f\u7e3d\u984d\u6703\u66f4\u9ad8\u3002\u8f03\u77ed\u7684\u8cb8\u6b3e\u671f\u9650\u901a\u5e38\u5177\u6709\u8f03\u9ad8\u7684\u6bcf\u6708\u4ed8\u6b3e\uff0c\u4f46\u60a8\u6700\u7d42\u652f\u4ed8\u7684\u5229\u606f\u7e3d\u984d\u6703\u66f4\u4f4e\u3002<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%E5%88%A9%E7%8E%87\"><\/span><b>\u5229\u7387<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u5229\u7387\u662f\u60a8\u8cb8\u6b3e\u7684\u5229\u606f\u8cbb\u7528\u3002\u5229\u7387\u901a\u5e38\u4ee5\u5e74\u5229\u7387 (APR) \u8868\u793a\u3002APR \u5305\u62ec\u8cb8\u6b3e\u7684\u5be6\u969b\u5229\u7387\u4ee5\u53ca\u8cb8\u6b3e\u76f8\u95dc\u7684\u4efb\u4f55\u8cbb\u7528\uff0c\u4f8b\u5982\u624b\u7e8c\u8cbb\u548c\u9ede\u6578\u3002APR \u901a\u5e38\u5728 3% \u5230 20% \u4e4b\u9593\u3002\u8f03\u9ad8\u7684\u4fe1\u7528\u8a55\u5206\u901a\u5e38\u53ef\u4ee5\u7372\u5f97\u8f03\u4f4e\u7684\u5229\u7387\u3002<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%E9%82%84%E6%AC%BE%E6%96%B9%E5%BC%8F\"><\/span><b>\u9084\u6b3e\u65b9\u5f0f<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u9084\u6b3e\u65b9\u5f0f\u662f\u6307\u60a8\u511f\u9084\u539f\u8eca\u878d\u8cc7\u7684\u65b9\u5f0f\u3002\u6700\u5e38\u898b\u7684\u9084\u6b3e\u65b9\u5f0f\u662f\u6bcf\u6708\u4ed8\u6b3e\u3002\u6bcf\u6708\u4ed8\u6b3e\u662f\u60a8\u5728\u8cb8\u6b3e\u671f\u9650\u5167\u6bcf\u6708\u652f\u4ed8\u7d66\u8cb8\u6b3e\u6a5f\u69cb\u7684\u56fa\u5b9a\u91d1\u984d\u3002\u60a8\u4e5f\u53ef\u4ee5\u9078\u64c7\u6bcf\u9031\u6216\u5169\u5468\u652f\u4ed8\u4e00\u6b21\u3002\u6709\u4e9b\u8cb8\u6b3e\u6a5f\u69cb\u9084\u63d0\u4f9b\u6c23\u7403\u4ed8\u6b3e\u9078\u9805\u3002\u6c23\u7403\u4ed8\u6b3e\u662f\u6307\u5728\u8cb8\u6b3e\u671f\u9650\u7d50\u675f\u6642\u652f\u4ed8\u7684\u4e00\u7b46\u5927\u984d\u4ed8\u6b3e\u3002\u6c23\u7403\u4ed8\u6b3e\u901a\u5e38\u8207\u8f03\u4f4e\u7684\u6bcf\u6708\u4ed8\u6b3e\u76f8\u95dc\uff0c\u4f46\u60a8\u6700\u7d42\u652f\u4ed8\u7684\u5229\u606f\u7e3d\u984d\u6703\u66f4\u9ad8\u3002<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E5%8E%9F%E8%BB%8A%E8%9E%8D%E8%B3%87%E5%B8%B6%E4%BE%86%E7%9A%84%E5%84%AA%E5%8B%A2\"><\/span><b>\u539f\u8eca\u878d\u8cc7\u5e36\u4f86\u7684\u512a\u52e2<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u539f\u8eca\u878d\u8cc7\u53ef\u4ee5\u8b93\u60a8\u4ee5\u66f4\u4f4e\u7684\u5229\u7387\u4f86\u8cfc\u8cb7\u6c7d\u8eca\uff0c\u9019\u610f\u5473\u8457\u60a8\u5c07\u5728\u6c7d\u8eca\u8cb8\u6b3e\u671f\u9593\u7bc0\u7701\u5927\u91cf\u7684\u5229\u606f\u3002\u6b64\u5916\uff0c\u539f\u8eca\u878d\u8cc7\u901a\u5e38\u4e0d\u9700\u63d0\u4f9b\u64d4\u4fdd\uff0c\u9019\u610f\u5473\u8457\u60a8\u7121\u9700\u63d0\u4f9b\u984d\u5916\u7684\u62b5\u62bc\u54c1\u4f86\u7372\u5f97\u8cb8\u6b3e\u3002\u9019\u5c0d\u65bc\u4fe1\u7528\u8a55\u5206\u8f03\u4f4e\u6216\u6c92\u6709\u4fe1\u7528\u8a18\u9304\u7684\u4eba\u4f86\u8aaa\u5c24\u5176\u6709\u5229\u3002<\/p>\n<p>\u539f\u8eca\u878d\u8cc7\u9084\u6709\u52a9\u65bc\u60a8\u5efa\u7acb\u4fe1\u7528\u8a18\u9304\u3002\u6309\u6642\u511f\u9084\u539f\u8eca\u878d\u8cc7\u8cb8\u6b3e\u53ef\u4ee5\u5e6b\u52a9\u60a8\u63d0\u9ad8\u4fe1\u7528\u8a55\u5206\uff0c\u9019\u5c07\u4f7f\u60a8\u5728\u672a\u4f86\u7533\u8acb\u5176\u4ed6\u8cb8\u6b3e\u6642\u66f4\u52a0\u5bb9\u6613\u7372\u5f97\u6279\u51c6\uff0c\u4e26\u53ef\u80fd\u7372\u5f97\u66f4\u4f4e\u7684\u5229\u7387\u3002\u6b64\u5916\uff0c\u539f\u8eca\u878d\u8cc7\u53ef\u4ee5\u5e6b\u52a9\u60a8\u63d0\u9ad8\u60a8\u7684\u4fe1\u7528\u984d\u5ea6\uff0c\u9019\u610f\u5473\u8457\u60a8\u53ef\u4ee5\u501f\u5230\u66f4\u591a\u7684\u9322\u3002 <\/p>\n<p>\u6700\u5f8c\uff0c\u539f\u8eca\u878d\u8cc7\u53ef\u4ee5\u5e6b\u52a9\u60a8\u7bc0\u7701\u6642\u9593\u548c\u7cbe\u529b\u3002\u5982\u679c\u81ea\u884c\u5168\u6b3e\u8cfc\u8cb7\u6c7d\u8eca\uff0c\u60a8\u9700\u8981\u82b1\u8cbb\u5927\u91cf\u6642\u9593\u548c\u7cbe\u529b\u4f86\u5c0b\u627e\u5408\u9069\u7684\u6c7d\u8eca\u4e26\u8207\u7d93\u92b7\u5546\u8ac7\u5224\u3002\u800c\u901a\u904e\u539f\u8eca\u878d\u8cc7\uff0c\u60a8\u53ef\u4ee5\u76f4\u63a5\u901a\u904e\u6c7d\u8eca\u8cb8\u6b3e\u8cb8\u65b9\u8cfc\u8cb7\u6c7d\u8eca\uff0c\u800c\u7121\u9700\u8207\u7d93\u92b7\u5546\u6253\u4ea4\u9053\u3002\u9019\u53ef\u4ee5\u5e6b\u52a9\u60a8\u7bc0\u7701\u5927\u91cf\u6642\u9593\u548c\u7cbe\u529b\uff0c\u4e26\u8b93\u60a8\u66f4\u8f15\u9b06\u5730\u8cfc\u8cb7\u5230\u81ea\u5df1\u5fc3\u5100\u7684\u6c7d\u8eca\u3002<\/p>\n<li><b>\u5229\u7387\u66f4\u4f4e\uff1a<\/b>\u539f\u8eca\u878d\u8cc7\u901a\u5e38\u53ef\u4ee5\u7372\u5f97\u66f4\u4f4e\u7684\u5229\u7387\uff0c\u9019\u610f\u5473\u8457\u60a8\u5728\u6c7d\u8eca\u8cb8\u6b3e\u671f\u9593\u53ef\u4ee5\u7bc0\u7701\u5927\u91cf\u7684\u5229\u606f\u3002<\/li>\n<li><b>\u7121\u9700\u64d4\u4fdd\uff1a<\/b>\u539f\u8eca\u878d\u8cc7\u901a\u5e38\u4e0d\u9700\u63d0\u4f9b\u64d4\u4fdd\uff0c\u9019\u610f\u5473\u8457\u60a8\u7121\u9700\u63d0\u4f9b\u984d\u5916\u7684\u62b5\u62bc\u54c1\u4f86\u7372\u5f97\u8cb8\u6b3e\u3002<\/li>\n<li><b>\u5efa\u7acb\u4fe1\u7528\u8a18\u9304\uff1a<\/b>\u6309\u6642\u511f\u9084\u539f\u8eca\u878d\u8cc7\u8cb8\u6b3e\u53ef\u4ee5\u5e6b\u52a9\u60a8\u63d0\u9ad8\u4fe1\u7528\u8a55\u5206\uff0c\u9019\u5c07\u4f7f\u60a8\u5728\u672a\u4f86\u7533\u8acb\u5176\u4ed6\u8cb8\u6b3e\u6642\u66f4\u52a0\u5bb9\u6613\u7372\u5f97\u6279\u51c6\uff0c\u4e26\u53ef\u80fd\u7372\u5f97\u66f4\u4f4e\u7684\u5229\u7387\u3002<\/li>\n<li><b>\u63d0\u9ad8\u4fe1\u7528\u984d\u5ea6\uff1a<\/b>\u539f\u8eca\u878d\u8cc7\u53ef\u4ee5\u5e6b\u52a9\u60a8\u63d0\u9ad8\u60a8\u7684\u4fe1\u7528\u984d\u5ea6\uff0c\u9019\u610f\u5473\u8457\u60a8\u53ef\u4ee5\u501f\u5230\u66f4\u591a\u7684\u9322\u3002<\/li>\n<li><b>\u7bc0\u7701\u6642\u9593\u548c\u7cbe\u529b\uff1a<\/b>\u901a\u904e\u539f\u8eca\u878d\u8cc7\uff0c\u60a8\u53ef\u4ee5\u76f4\u63a5\u901a\u904e\u6c7d\u8eca\u8cb8\u6b3e\u8cb8\u65b9\u8cfc\u8cb7\u6c7d\u8eca\uff0c\u800c\u7121\u9700\u8207\u7d93\u92b7\u5546\u6253\u4ea4\u9053\u3002\u9019\u53ef\u4ee5\u5e6b\u52a9\u60a8\u7bc0\u7701\u5927\u91cf\u6642\u9593\u548c\u7cbe\u529b\uff0c\u4e26\u8b93\u60a8\u66f4\u8f15\u9b06\u5730\u8cfc\u8cb7\u5230\u81ea\u5df1\u5fc3\u5100\u7684\u6c7d\u8eca\u3002<\/li>\n<h2><span class=\"ez-toc-section\" id=\"%E4%BB%80%E9%BA%BC%E6%98%AF%E5%8E%9F%E8%BB%8A%E8%9E%8D%E8%B3%87%EF%BC%9A%E7%94%B3%E8%AB%8B%E6%B5%81%E7%A8%8B%E8%88%87%E9%A0%88%E7%9F%A5\"><\/span><b>\u4ec0\u9ebc\u662f\u539f\u8eca\u878d\u8cc7\uff1a\u7533\u8acb\u6d41\u7a0b\u8207\u9808\u77e5<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u539f\u8eca\u878d\u8cc7\u662f\u4e00\u7a2e\u5411\u8cb8\u6b3e\u6a5f\u69cb\u501f\u6b3e\u8cfc\u8cb7\u6c7d\u8eca\u7684\u8cb8\u6b3e\u65b9\u5f0f\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u5c07\u64c1\u6709\u6c7d\u8eca\u7684\u6240\u6709\u6b0a\uff0c\u76f4\u5230\u8cb8\u6b3e\u9084\u6e05\u70ba\u6b62\u3002\u8207\u73fe\u91d1\u8cfc\u8eca\u6216\u79df\u8cc3\u6c7d\u8eca\u76f8\u6bd4\uff0c\u539f\u8eca\u878d\u8cc7\u901a\u5e38\u9700\u8981\u9996\u4ed8\uff0c\u4f46\u8cb8\u6b3e\u5229\u7387\u66f4\u4f4e\u3001\u8cb8\u6b3e\u671f\u9650\u66f4\u9577\uff0c\u56e0\u6b64\u6bcf\u6708\u9084\u6b3e\u984d\u66f4\u4f4e\u3002\u7533\u8acb\u539f\u8eca\u878d\u8cc7\u7684\u6d41\u7a0b\u4e00\u822c\u5305\u62ec\u4ee5\u4e0b\u5e7e\u500b\u6b65\u9a5f\uff1a<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_%E7%A2%BA%E5%AE%9A%E9%A0%90%E7%AE%97%E5%92%8C%E9%9C%80%E6%B1%82\"><\/span><b>1. \u78ba\u5b9a\u9810\u7b97\u548c\u9700\u6c42<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u5728\u7533\u8acb\u539f\u8eca\u878d\u8cc7\u4e4b\u524d\uff0c\u60a8\u9700\u8981\u78ba\u5b9a\u81ea\u5df1\u7684\u9810\u7b97\u548c\u9700\u6c42\u3002\u60a8\u9700\u8981\u8003\u616e\u81ea\u5df1\u80fd\u8ca0\u64d4\u7684\u6bcf\u6708\u9084\u6b3e\u984d\u3001\u9996\u4ed8\u91d1\u984d\uff0c\u4ee5\u53ca\u60a8\u60f3\u8981\u8cfc\u8cb7\u7684\u6c7d\u8eca\u985e\u578b\u548c\u8eca\u9f61\u3002\u4e00\u65e6\u60a8\u78ba\u5b9a\u4e86\u9019\u4e9b\u8cc7\u8a0a\uff0c\u60a8\u5c31\u53ef\u4ee5\u958b\u59cb\u6bd4\u8f03\u4e0d\u540c\u7684\u8cb8\u6b3e\u6a5f\u69cb\u548c\u8cb8\u6b3e\u65b9\u6848\u3002<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_%E9%81%B8%E6%93%87%E8%B2%B8%E6%AC%BE%E6%A9%9F%E6%A7%8B\"><\/span><b>2. \u9078\u64c7\u8cb8\u6b3e\u6a5f\u69cb<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u6709\u8a31\u591a\u8cb8\u6b3e\u6a5f\u69cb\u63d0\u4f9b\u539f\u8eca\u878d\u8cc7\uff0c\u5305\u62ec\u9280\u884c\u3001\u4fe1\u7528\u5408\u4f5c\u793e\u548c\u7dda\u4e0a\u8cb8\u6b3e\u6a5f\u69cb\u3002\u5728\u9078\u64c7\u8cb8\u6b3e\u6a5f\u69cb\u6642\uff0c\u60a8\u9700\u8981\u6bd4\u8f03\u4e0d\u540c\u7684\u8cb8\u6b3e\u5229\u7387\u3001\u8cb8\u6b3e\u671f\u9650\u3001\u9996\u4ed8\u8981\u6c42\u548c\u624b\u7e8c\u8cbb\u3002\u60a8\u9084\u9700\u8981\u8003\u616e\u8cb8\u6b3e\u6a5f\u69cb\u7684\u8072\u8b7d\u548c\u5ba2\u670d\u3002\u60a8\u53ef\u4ee5\u900f\u904e\u7dda\u4e0a\u7814\u7a76\u3001\u8aee\u8a62\u91d1\u878d\u9867\u554f\u6216\u8a62\u554f\u89aa\u53cb\u4f86\u6bd4\u8f03\u4e0d\u540c\u7684\u8cb8\u6b3e\u6a5f\u69cb\u3002<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_%E7%94%B3%E8%AB%8B%E8%B2%B8%E6%AC%BE\"><\/span><b>3. \u7533\u8acb\u8cb8\u6b3e<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u4e00\u65e6\u60a8\u9078\u64c7\u4e86\u8cb8\u6b3e\u6a5f\u69cb\uff0c\u60a8\u5c31\u53ef\u4ee5\u958b\u59cb\u7533\u8acb\u8cb8\u6b3e\u3002\u60a8\u9700\u8981\u63d0\u4f9b\u60a8\u7684\u500b\u4eba\u8cc7\u8a0a\u3001\u8ca1\u52d9\u8cc7\u8a0a\u548c\u6c7d\u8eca\u8cc7\u8a0a\u3002\u8cb8\u6b3e\u6a5f\u69cb\u5c07\u6839\u64da\u9019\u4e9b\u8cc7\u8a0a\u4f86\u8a55\u4f30\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u548c\u8cb8\u6b3e\u98a8\u96aa\uff0c\u4e26\u6c7a\u5b9a\u662f\u5426\u6279\u51c6\u60a8\u7684\u8cb8\u6b3e\u7533\u8acb\u3002\u5982\u679c\u60a8\u88ab\u6279\u51c6\u8cb8\u6b3e\uff0c\u60a8\u5c07\u6536\u5230\u4e00\u4efd\u8cb8\u6b3e\u5354\u8b70\u3002\u60a8\u9700\u8981\u4ed4\u7d30\u95b1\u8b80\u8cb8\u6b3e\u5354\u8b70\uff0c\u4e26\u5728\u60a8\u5b8c\u5168\u7406\u89e3\u5354\u8b70\u5167\u5bb9\u5f8c\u7c3d\u7f72\u5354\u8b70\u3002\u8cb8\u6b3e\u5354\u8b70\u5c07\u898f\u5b9a\u60a8\u7684\u8cb8\u6b3e\u91d1\u984d\u3001\u8cb8\u6b3e\u5229\u7387\u3001\u8cb8\u6b3e\u671f\u9650\u3001\u6bcf\u6708\u9084\u6b3e\u984d\u548c\u9996\u4ed8\u91d1\u984d\u3002<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_%E8%B3%BC%E8%B2%B7%E6%B1%BD%E8%BB%8A\"><\/span><b>4. \u8cfc\u8cb7\u6c7d\u8eca<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u4e00\u65e6\u60a8\u7372\u5f97\u8cb8\u6b3e\u6279\u51c6\uff0c\u60a8\u5c31\u53ef\u4ee5\u8cfc\u8cb7\u6c7d\u8eca\u4e86\u3002\u60a8\u9700\u8981\u5c07\u8cb8\u6b3e\u5354\u8b70\u5e36\u5230\u7d93\u92b7\u5546\u8655\uff0c\u4e26\u5728\u6c7d\u8eca\u8cfc\u8cb7\u5408\u540c\u4e0a\u7c3d\u5b57\u3002\u7d93\u92b7\u5546\u5c07\u628a\u6c7d\u8eca\u7684\u7522\u6b0a\u8b49\u66f8\u8f49\u8b93\u7d66\u8cb8\u6b3e\u6a5f\u69cb\uff0c\u4e26\u5c07\u6c7d\u8eca\u4ea4\u4ed8\u7d66\u60a8\u3002\u60a8\u9700\u8981\u958b\u59cb\u6309\u6642\u511f\u9084\u8cb8\u6b3e\uff0c\u76f4\u5230\u8cb8\u6b3e\u9084\u6e05\u70ba\u6b62\u3002<\/p>\n<table border=\\'1\\'>\n<tbody>\n<tr>\n<th colspan=\\\"2\\\">\u539f\u8eca\u878d\u8cc7<\/th>\n<\/tr>\n<tr>\n<th>\u6b65\u9a5f<\/th>\n<th>\u8aaa\u660e<\/th>\n<\/tr>\n<tr>\n<td>1. \u78ba\u5b9a\u9810\u7b97\u548c\u9700\u6c42<\/td>\n<td>\u78ba\u5b9a\u6bcf\u6708\u9084\u6b3e\u984d\u3001\u9996\u4ed8\u91d1\u984d\u3001\u6c7d\u8eca\u985e\u578b\u548c\u8eca\u9f61\u3002<\/td>\n<\/tr>\n<tr>\n<td>2. \u9078\u64c7\u8cb8\u6b3e\u6a5f\u69cb<\/td>\n<td>\u6bd4\u8f03\u4e0d\u540c\u8cb8\u6b3e\u6a5f\u69cb\u7684\u5229\u7387\u3001\u671f\u9650\u3001\u9996\u4ed8\u8981\u6c42\u548c\u624b\u7e8c\u8cbb\u3002<\/td>\n<\/tr>\n<tr>\n<td>3. \u7533\u8acb\u8cb8\u6b3e<\/td>\n<td>\u63d0\u4f9b\u500b\u4eba\u8cc7\u8a0a\u3001\u8ca1\u52d9\u8cc7\u8a0a\u548c\u6c7d\u8eca\u8cc7\u8a0a\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u5c07\u8a55\u4f30\u4fe1\u7528\u8a55\u5206\u548c\u8cb8\u6b3e\u98a8\u96aa\u3002<\/td>\n<\/tr>\n<tr>\n<td>4. \u8cfc\u8cb7\u6c7d\u8eca<\/td>\n<td>\u7372\u5f97\u8cb8\u6b3e\u6279\u51c6\u5f8c\uff0c\u651c\u5e36\u8cb8\u6b3e\u5354\u8b70\u5230\u7d93\u92b7\u5546\u8655\u8cfc\u8cb7\u6c7d\u8eca\u3002<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"%E5%8E%9F%E8%BB%8A%E8%9E%8D%E8%B3%87%E5%A6%82%E4%BD%95%E5%BD%B1%E9%9F%BF%E4%BF%A1%E7%94%A8%E8%A9%95%E5%88%86\"><\/span>\u539f\u8eca\u878d\u8cc7\u5982\u4f55\u5f71\u97ff\u4fe1\u7528\u8a55\u5206<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u539f\u8eca\u878d\u8cc7\u5c0d\u4fe1\u7528\u8a55\u5206\u6709\u6b63\u8ca0\u5169\u65b9\u9762\u5f71\u97ff\uff0c\u59a5\u5584\u7ba1\u7406\u53ef\u63d0\u5347\u4fe1\u7528\u8a55\u5206\u3002<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_%E6%8C%89%E6%99%82%E5%84%9F%E9%82%84%E8%B2%B8%E6%AC%BE\"><\/span>1. \u6309\u6642\u511f\u9084\u8cb8\u6b3e<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u6309\u6642\u511f\u9084\u539f\u8eca\u878d\u8cc7\u8cb8\u6b3e\u662f\u5efa\u7acb\u4fe1\u7528\u8a55\u5206\u7684\u95dc\u9375\u56e0\u7d20\u4e4b\u4e00\u3002\u7576\u60a8\u6309\u6642\u511f\u9084\u8cb8\u6b3e\uff0c\u9280\u884c\u6216\u8cb8\u6b3e\u6a5f\u69cb\u6703\u5c07\u60a8\u7684\u5c65\u7d04\u884c\u70ba\u8a18\u9304\u5728\u4fe1\u7528\u5831\u544a\u4e2d\uff0c\u6709\u52a9\u65bc\u63d0\u9ad8\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u3002<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_%E5%A2%9E%E5%8A%A0%E4%BF%A1%E7%94%A8%E7%B5%84%E5%90%88\"><\/span>2. \u589e\u52a0\u4fe1\u7528\u7d44\u5408<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u539f\u8eca\u878d\u8cc7\u662f\u4e00\u7a2e\u4fe1\u7528\u7d44\u5408\uff0c\u6307\u60a8\u5728\u4fe1\u7528\u5831\u544a\u4e2d\u64c1\u6709\u7684\u4e0d\u540c\u985e\u578b\u4fe1\u8cb8\u5e33\u6236\u3002\u64c1\u6709\u66f4\u591a\u4e0d\u540c\u985e\u578b\u7684\u4fe1\u8cb8\u5e33\u6236\uff08\u4f8b\u5982\uff0c\u4fe1\u7528\u5361\u3001\u6c7d\u8eca\u8cb8\u6b3e\u3001\u623f\u8cb8\u7b49\uff09\uff0c\u6709\u52a9\u65bc\u63d0\u9ad8\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u3002<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_%E6%B8%9B%E5%B0%91%E5%82%B5%E5%8B%99%E9%A4%98%E9%A1%8D\"><\/span>3. \u6e1b\u5c11\u50b5\u52d9\u9918\u984d<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u60a8\u7684\u50b5\u52d9\u9918\u984d\u662f\u6307\u60a8\u6b20\u9280\u884c\u6216\u8cb8\u6b3e\u6a5f\u69cb\u7684\u7e3d\u91d1\u984d\u3002\u50b5\u52d9\u9918\u984d\u8d8a\u9ad8\uff0c\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u5c31\u8d8a\u4f4e\u3002\u511f\u9084\u539f\u8eca\u878d\u8cc7\u8cb8\u6b3e\u53ef\u6e1b\u5c11\u60a8\u7684\u50b5\u52d9\u9918\u984d\uff0c\u5f9e\u800c\u63d0\u9ad8\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u3002<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_%E5%BB%B6%E9%95%B7%E4%BF%A1%E7%94%A8%E6%AD%B7%E5%8F%B2\"><\/span>4. \u5ef6\u9577\u4fe1\u7528\u6b77\u53f2<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u60a8\u7684\u4fe1\u7528\u6b77\u53f2\u662f\u6307\u60a8\u4f7f\u7528\u4fe1\u8cb8\u7684\u9577\u5ea6\u3002\u4fe1\u7528\u6b77\u53f2\u8d8a\u9577\uff0c\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u5c31\u8d8a\u9ad8\u3002\u539f\u8eca\u878d\u8cc7\u901a\u5e38\u662f\u9577\u671f\u8cb8\u6b3e\uff0c\u53ef\u4ee5\u5e6b\u52a9\u60a8\u5ef6\u9577\u4fe1\u7528\u6b77\u53f2\uff0c\u5f9e\u800c\u63d0\u9ad8\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u3002<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_%E4%BF%A1%E7%94%A8%E5%88%A9%E7%94%A8%E7%8E%87\"><\/span>5. \u4fe1\u7528\u5229\u7528\u7387<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u60a8\u7684\u4fe1\u7528\u5229\u7528\u7387\u662f\u6307\u60a8\u5df2\u4f7f\u7528\u7684\u4fe1\u8cb8\u984d\u5ea6\u8207\u7e3d\u4fe1\u8cb8\u984d\u5ea6\u7684\u6bd4\u4f8b\u3002\u4fe1\u7528\u5229\u7528\u7387\u8d8a\u9ad8\uff0c\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u5c31\u8d8a\u4f4e\u3002\u511f\u9084\u539f\u8eca\u878d\u8cc7\u8cb8\u6b3e\u6709\u52a9\u65bc\u964d\u4f4e\u60a8\u7684\u4fe1\u7528\u5229\u7528\u7387\uff0c\u5f9e\u800c\u63d0\u9ad8\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u3002<\/p>\n<p>\u7e3d\u800c\u8a00\u4e4b\uff0c\u539f\u8eca\u878d\u8cc7\u5c0d\u4fe1\u7528\u8a55\u5206\u6709\u6b63\u8ca0\u5169\u65b9\u9762\u5f71\u97ff\u3002\u6309\u6642\u511f\u9084\u8cb8\u6b3e\u3001\u589e\u52a0\u4fe1\u7528\u7d44\u5408\u3001\u6e1b\u5c11\u50b5\u52d9\u9918\u984d\u3001\u5ef6\u9577\u4fe1\u7528\u6b77\u53f2\u548c\u964d\u4f4e\u4fe1\u7528\u5229\u7528\u7387\u90fd\u6709\u52a9\u65bc\u60a8\u63d0\u9ad8\u4fe1\u7528\u8a55\u5206\u3002\u53cd\u4e4b\uff0c\u5982\u679c\u672a\u80fd\u6309\u6642\u511f\u9084\u8cb8\u6b3e\u6216\u4fe1\u7528\u5229\u7528\u7387\u904e\u9ad8\uff0c\u5247\u6703\u5c0d\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u9020\u6210\u8ca0\u9762\u5f71\u97ff\u3002<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E5%8E%9F%E8%BB%8A%E8%9E%8D%E8%B3%87%E7%9A%84%E5%BD%B1%E9%9F%BF%E5%9B%A0%E7%B4%A0\"><\/span><b>\u539f\u8eca\u878d\u8cc7\u7684\u5f71\u97ff\u56e0\u7d20<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u5728\u7533\u8acb\u539f\u8eca\u878d\u8cc7\u6642\uff0c\u6709\u591a\u500b\u56e0\u7d20\u6703\u5f71\u97ff\u8cb8\u6b3e\u4eba\u7684\u6279\u51c6\u7387\u548c\u8cb8\u6b3e\u689d\u4ef6\u3002\u4ee5\u4e0b\u662f\u4e00\u4e9b\u53ef\u80fd\u5f71\u97ff\u539f\u8eca\u878d\u8cc7\u7533\u8cb8\u7d50\u679c\u7684\u56e0\u7d20\uff1a<\/p>\n<ul>\n<li><b>\u4fe1\u7528\u8a55\u5206\uff1a<\/b>\u4fe1\u7528\u8a55\u5206\u662f\u8cb8\u6b3e\u4eba\u8a55\u4f30\u501f\u6b3e\u4eba\u4fe1\u7528\u7684\u91cd\u8981\u4f9d\u64da\u3002\u4fe1\u7528\u8a55\u5206\u8d8a\u9ad8\uff0c\u8cb8\u6b3e\u4eba\u8d8a\u6709\u53ef\u80fd\u6279\u51c6\u8cb8\u6b3e\u7533\u8acb\uff0c\u4e26\u63d0\u4f9b\u8f03\u4f4e\u7684\u5229\u7387\u3002\u4fe1\u7528\u8a55\u5206\u8f03\u4f4e\u8005\u53ef\u80fd\u6703\u88ab\u62d2\u7d55\u8cb8\u6b3e\uff0c\u6216\u8005\u88ab\u6536\u53d6\u8f03\u9ad8\u7684\u5229\u7387\u3002<\/li>\n<li><b>\u8ca0\u50b5\u6bd4\u7387\uff1a<\/b>\u8ca0\u50b5\u6bd4\u7387\u662f\u6307\u501f\u6b3e\u4eba\u6bcf\u6708\u50b5\u52d9\u652f\u4ed8\u984d\u8207\u6536\u5165\u7684\u6bd4\u4f8b\u3002\u8ca0\u50b5\u6bd4\u7387\u8d8a\u9ad8\uff0c\u8cb8\u6b3e\u4eba\u8d8a\u64d4\u5fc3\u501f\u6b3e\u4eba\u511f\u9084\u8cb8\u6b3e\u7684\u80fd\u529b\u3002\u5982\u679c\u8ca0\u50b5\u6bd4\u7387\u592a\u9ad8\uff0c\u8cb8\u6b3e\u4eba\u53ef\u80fd\u6703\u62d2\u7d55\u8cb8\u6b3e\u7533\u8acb\uff0c\u6216\u8005\u63d0\u4f9b\u8f03\u4f4e\u7684\u8cb8\u6b3e\u91d1\u984d\u3002<\/li>\n<li><b>\u5c31\u696d\u72c0\u6cc1\uff1a<\/b>\u8cb8\u6b3e\u4eba\u901a\u5e38\u6703\u8003\u616e\u501f\u6b3e\u4eba\u7684\u5c31\u696d\u72c0\u6cc1\u4f86\u8a55\u4f30\u5176\u511f\u9084\u8cb8\u6b3e\u7684\u80fd\u529b\u3002\u64c1\u6709\u7a69\u5b9a\u5de5\u4f5c\u548c\u6536\u5165\u7684\u501f\u6b3e\u4eba\u66f4\u6709\u53ef\u80fd\u7372\u5f97\u8cb8\u6b3e\u6279\u51c6\uff0c\u4e26\u7372\u5f97\u8f03\u4f4e\u7684\u5229\u7387\u3002\u5931\u696d\u6216\u6536\u5165\u4e0d\u7a69\u5b9a\u7684\u501f\u6b3e\u4eba\u53ef\u80fd\u6703\u88ab\u62d2\u7d55\u8cb8\u6b3e\uff0c\u6216\u8005\u88ab\u6536\u53d6\u8f03\u9ad8\u7684\u5229\u7387\u3002<\/li>\n<li><b>\u8cb8\u6b3e\u91d1\u984d\uff1a<\/b>\u8cb8\u6b3e\u91d1\u984d\u662f\u501f\u6b3e\u4eba\u5e0c\u671b\u501f\u5165\u7684\u91d1\u984d\u3002\u8cb8\u6b3e\u91d1\u984d\u8d8a\u9ad8\uff0c\u8cb8\u6b3e\u4eba\u8d8a\u64d4\u5fc3\u501f\u6b3e\u4eba\u511f\u9084\u8cb8\u6b3e\u7684\u80fd\u529b\u3002\u5982\u679c\u8cb8\u6b3e\u91d1\u984d\u592a\u9ad8\uff0c\u8cb8\u6b3e\u4eba\u53ef\u80fd\u6703\u62d2\u7d55\u8cb8\u6b3e\u7533\u8acb\uff0c\u6216\u8005\u63d0\u4f9b\u8f03\u4f4e\u7684\u8cb8\u6b3e\u91d1\u984d\u3002<\/li>\n<li><b>\u8cb8\u6b3e\u671f\u9650\uff1a<\/b>\u8cb8\u6b3e\u671f\u9650\u662f\u6307\u501f\u6b3e\u4eba\u511f\u9084\u8cb8\u6b3e\u7684\u671f\u9650\u3002\u8cb8\u6b3e\u671f\u9650\u8d8a\u9577\uff0c\u8cb8\u6b3e\u4eba\u7684\u5229\u606f\u652f\u51fa\u8d8a\u591a\u3002\u56e0\u6b64\uff0c\u8cb8\u6b3e\u671f\u9650\u8d8a\u9577\uff0c\u8cb8\u6b3e\u5229\u7387\u901a\u5e38\u8d8a\u9ad8\u3002\u9078\u64c7\u5408\u9069\u7684\u539f\u8eca\u878d\u8cc7\u516c\u53f8\u5f88\u91cd\u8981<\/li>\n<li><b>\u64d4\u4fdd\u54c1\uff1a<\/b>\u64d4\u4fdd\u54c1\u662f\u6307\u501f\u6b3e\u4eba\u63d0\u4f9b\u7d66\u8cb8\u6b3e\u4eba\u4ee5\u64d4\u4fdd\u8cb8\u6b3e\u7684\u8cc7\u7522\u3002\u64d4\u4fdd\u54c1\u53ef\u4ee5\u662f\u6c7d\u8eca\u3001\u623f\u5c4b\u6216\u5176\u4ed6\u8cc7\u7522\u3002\u63d0\u4f9b\u64d4\u4fdd\u54c1\u53ef\u4ee5\u964d\u4f4e\u8cb8\u6b3e\u4eba\u7684\u98a8\u96aa\uff0c\u4e26\u53ef\u80fd\u4f7f\u501f\u6b3e\u4eba\u7372\u5f97\u8f03\u4f4e\u7684\u5229\u7387\u3002<\/li>\n<\/ul>\n<p>\u9664\u4e86\u4e0a\u8ff0\u56e0\u7d20\u5916\uff0c\u8cb8\u6b3e\u4eba\u7684\u5e74\u9f61\u3001\u6559\u80b2\u7a0b\u5ea6\u3001\u5c45\u4f4f\u5730\u7b49\u56e0\u7d20\u4e5f\u53ef\u80fd\u5f71\u97ff\u539f\u8eca\u878d\u8cc7\u7684\u6279\u51c6\u7387\u548c\u8cb8\u6b3e\u689d\u4ef6\u3002\u8cb8\u6b3e\u4eba\u61c9\u5728\u7533\u8acb\u539f\u8eca\u878d\u8cc7\u4e4b\u524d\uff0c carefully review \u81ea\u5df1\u7684\u8ca1\u52d9\u72c0\u6cc1\uff0c\u4e26\u8207\u8cb8\u6b3e\u4eba\u8a0e\u8ad6\u8cb8\u6b3e\u689d\u4ef6\uff0c\u4ee5\u9078\u64c7\u6700\u9069\u5408\u81ea\u5df1\u7684\u539f\u8eca\u878d\u8cc7\u65b9\u6848\u3002<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E4%BB%80%E9%BA%BC%E6%98%AF%E5%8E%9F%E8%BB%8A%E8%9E%8D%E8%B3%87%E7%B5%90%E8%AB%96\"><\/span><b>\u4ec0\u9ebc\u662f\u539f\u8eca\u878d\u8cc7\u7d50\u8ad6<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u539f\u8eca\u878d\u8cc7\u7684\u597d\u8655\u591a\u591a\uff0c\u4e0d\u8ad6\u662f\u60f3\u8981\u64c1\u6709\u65b0\u8eca\u3001\u63db\u65b0\u8eca\u3001\u9084\u662f\u60f3\u8981\u66f4\u512a\u60e0\u7684\u5229\u7387\uff0c\u539f\u8eca\u878d\u8cc7\u90fd\u80fd\u6eff\u8db3\u60a8\u7684\u9700\u6c42\u3002\u539f\u8eca\u878d\u8cc7\u7684\u7533\u8acb\u6d41\u7a0b\u7c21\u55ae\uff0c\u4e14\u539f\u8eca\u878d\u8cc7\u4e5f\u63d0\u4f9b\u591a\u7a2e\u9084\u6b3e\u9078\u64c7\uff0c\u8b93\u60a8\u80fd\u8f15\u9b06\u8ca0\u64d4\u8eca\u8cb8\u3002\u5982\u679c\u60a8\u6b63\u5728\u5c0b\u627e\u4e00\u7a2e\u9748\u6d3b\u4e14\u5be6\u60e0\u7684\u6c7d\u8eca\u878d\u8cc7\u65b9\u5f0f\uff0c\u90a3\u9ebc\u539f\u8eca\u878d\u8cc7\u5c31\u662f\u60a8\u7684\u6700\u4f73\u9078\u64c7\u3002<\/p>\n<p>\u6c7a\u5b9a\u662f\u5426\u7533\u8acb\u539f\u8eca\u878d\u8cc7\u6642\uff0c\u5efa\u8b70\u60a8\u53ef\u4ee5\u5f9e\u4ee5\u4e0b\u5e7e\u500b\u9762\u5411\u9032\u884c\u8003\u91cf\u3002\u9996\u5148\uff0c\u8a55\u4f30\u81ea\u5df1\u7684\u4fe1\u7528\u72c0\u6cc1\uff0c\u78ba\u5b9a\u662f\u5426\u7b26\u5408\u9280\u884c\u6216\u878d\u8cc7\u516c\u53f8\u7684\u6388\u4fe1\u689d\u4ef6\u3002\u5176\u6b21\uff0c\u8a08\u7b97\u81ea\u5df1\u7684\u9810\u7b97\uff0c\u5305\u62ec\u982d\u671f\u6b3e\u3001\u6708\u4ed8\u6b3e\u4ee5\u53ca\u5176\u4ed6\u76f8\u95dc\u8cbb\u7528\u3002\u7b2c\u4e09\uff0c\u6bd4\u8f03\u4e0d\u540c\u9280\u884c\u6216\u878d\u8cc7\u516c\u53f8\u7684\u539f\u8eca\u878d\u8cc7\u65b9\u6848\uff0c\u9078\u64c7\u6700\u9069\u5408\u81ea\u5df1\u7684\u65b9\u6848\u3002\u6700\u5f8c\uff0c\u5728\u7c3d\u8a02\u5408\u7d04\u524d\uff0c\u52d9\u5fc5\u4ed4\u7d30\u95b1\u8b80\u5408\u7d04\u5167\u5bb9\uff0c\u77ad\u89e3\u8cb8\u6b3e\u5229\u7387\u3001\u9084\u6b3e\u671f\u9650\u53ca\u9055\u7d04\u689d\u6b3e\u7b49\u91cd\u8981\u8cc7\u8a0a\uff0c\u4ee5\u4fdd\u969c\u81ea\u5df1\u7684\u6b0a\u76ca\u3002<\/p>\n<p>\u539f\u8eca\u878d\u8cc7\u63d0\u4f9b\u591a\u7a2e\u597d\u8655\uff0c\u8b93\u60a8\u80fd\u8f15\u9b06\u64c1\u6709\u611b\u8eca\u3002\u5982\u679c\u60a8\u6b63\u5728\u5c0b\u627e\u4e00\u7a2e\u9748\u6d3b\u4e14\u5be6\u60e0\u7684\u6c7d\u8eca\u878d\u8cc7\u65b9\u5f0f\uff0c\u90a3\u9ebc\u539f\u8eca\u878d\u8cc7\u5c31\u662f\u60a8\u7684\u6700\u4f73\u9078\u64c7\u3002<\/p>\n<h2><span 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