{"id":19309,"date":"2022-09-09T23:56:00","date_gmt":"2022-09-09T15:56:00","guid":{"rendered":"https:\/\/www.granitefirm.com\/blog\/?p=19309"},"modified":"2025-10-09T10:48:40","modified_gmt":"2025-10-09T02:48:40","slug":"%e8%8a%b1%e6%97%97%e9%9b%86%e5%9c%98","status":"publish","type":"post","link":"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/09\/%e8%8a%b1%e6%97%97%e9%9b%86%e5%9c%98\/","title":{"rendered":"\u8d70\u4e0b\u5761\u4f01\u696d\u7684\u4ee3\u8868\u82b1\u65d7\u96c6\u5718\uff08Citigroup\uff09"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-custom 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=\"\u986f\u793a\/\u96b1\u85cf\u5167\u5bb9\u76ee\u9304\"><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: #ffffff;color:#ffffff\" 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: #ffffff;color:#ffffff\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/09\/%e8%8a%b1%e6%97%97%e9%9b%86%e5%9c%98\/#%E8%8A%B1%E6%97%97%E9%9B%86%E5%9C%98%E7%9A%84%E6%88%90%E9%95%B7%E5%8F%B2\" >\u82b1\u65d7\u96c6\u5718\u7684\u6210\u9577\u53f2<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/09\/%e8%8a%b1%e6%97%97%e9%9b%86%e5%9c%98\/#%E4%BC%81%E6%A5%AD%E7%B0%A1%E6%AD%B7\" >\u4f01\u696d\u7c21\u6b77<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/09\/%e8%8a%b1%e6%97%97%e9%9b%86%e5%9c%98\/#%E8%8A%B1%E6%97%97%E7%9A%84%E6%AD%B7%E5%8F%B2\" >\u82b1\u65d7\u7684\u6b77\u53f2<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/09\/%e8%8a%b1%e6%97%97%e9%9b%86%e5%9c%98\/#%E5%90%B8%E5%BC%95%E5%B7%B4%E8%8F%B2%E7%89%B9%E6%8C%81%E8%82%A1\" >\u5438\u5f15\u5df4\u83f2\u7279\u6301\u80a1<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/09\/%e8%8a%b1%e6%97%97%e9%9b%86%e5%9c%98\/#%E6%A5%AD%E5%8B%99%E5%92%8C%E4%BC%B0%E5%80%BC\" >\u696d\u52d9\u548c\u4f30\u503c<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/09\/%e8%8a%b1%e6%97%97%e9%9b%86%e5%9c%98\/#%E4%B8%BB%E8%A6%81%E6%A5%AD%E5%8B%99\" >\u4e3b\u8981\u696d\u52d9<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/09\/%e8%8a%b1%e6%97%97%e9%9b%86%e5%9c%98\/#2021%E5%B9%B4%E8%B2%A1%E5%8B%99%E8%A1%A8%E7%8F%BE\" >2021\u5e74\u8ca1\u52d9\u8868\u73fe<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/09\/%e8%8a%b1%e6%97%97%e9%9b%86%e5%9c%98\/#%E5%B8%82%E5%A0%B4%E7%9A%84%E4%BC%B0%E5%80%BC\" >\u5e02\u5834\u7684\u4f30\u503c<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/09\/%e8%8a%b1%e6%97%97%e9%9b%86%e5%9c%98\/#%E5%A4%B1%E6%95%97%E6%9C%89%E5%BE%B5%E5%85%86%E5%8F%AF%E5%BE%AA\" >\u5931\u6557\u6709\u5fb5\u5146\u53ef\u5faa<\/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:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/09\/%e8%8a%b1%e6%97%97%e9%9b%86%e5%9c%98\/#%E8%82%A1%E7%A5%A8%E5%8F%8D%E5%90%91%E5%88%86%E5%89%B2\" >\u80a1\u7968\u53cd\u5411\u5206\u5272<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/09\/%e8%8a%b1%e6%97%97%e9%9b%86%e5%9c%98\/#%E9%80%80%E5%87%BA%E4%BA%9E%E6%B4%B2%E6%A5%AD%E5%8B%99\" >\u9000\u51fa\u4e9e\u6d32\u696d\u52d9<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/09\/%e8%8a%b1%e6%97%97%e9%9b%86%e5%9c%98\/#%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\" >\u76f8\u95dc\u6587\u7ae0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/09\/%e8%8a%b1%e6%97%97%e9%9b%86%e5%9c%98\/#%E9%87%8D%E8%A6%81%E8%81%B2%E6%98%8E\" >\u91cd\u8981\u8072\u660e<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%8A%B1%E6%97%97%E9%9B%86%E5%9C%98%E7%9A%84%E6%88%90%E9%95%B7%E5%8F%B2\"><\/span>\u82b1\u65d7\u96c6\u5718\u7684\u6210\u9577\u53f2<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u82b1\u65d7\u96c6\u5718\u7684\u6210\u9577\u53f2\u5f88\u503c\u5f97\u6295\u8cc7\u4eba\u66b8\u89e3\uff0c\u7279\u5225\u662f\u7531\u4e00\u500b\u66fe\u7d93\u662f\u5168\u7403\u6700\u5927\u7684\u5546\u696d\u9280\u884c\u96c6\u5711\uff0c\u70ba\u4f55\u4eca\u65e5\u6703\u641e\u6210\u9019\u4ed8\u6a21\u6a23\uff0c\u503c\u5f97\u5927\u5bb6\u6df1\u601d\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%BC%81%E6%A5%AD%E7%B0%A1%E6%AD%B7\"><\/span>\u4f01\u696d\u7c21\u6b77<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u82b1\u65d7\u96c6\u5718\u7531\u82b1\u65d7\u516c\u53f8\u548c\u524d\u7f8e\u570b\u88fd\u7f50\u5546\uff08\u4ee5\u524d\u7684\u9053\u74ca\u6307\u6578\u6210\u5206\u80a1\uff09\u7684\u7e7c\u627f\u516c\u53f8\u5408\u4f75\u800c\u6210\uff0c\u7f8e\u570b\u88fd\u7f50\u5546\u8207\u82b1\u65d7\u516c\u53f8\u6709\u95dc\u9023\u9019\u4ef6\u4e8b\u5f88\u6709\u8da3\u3002\u5728\u524d\u83ef\u723e\u8857\u6295\u8cc7\u5de8\u64d8\u2500\u2500\u2500\u2500\u66fc\u54c8\u9813\u57fa\u91d1\u516c\u53f8\u5275\u8fa6\u4eba\u8521\u81f3\u52c7\uff08Gerald Tsai\uff09\u7684\u9818\u5c0e\u4e0b\uff0c\u7f8e\u570b\u88fd\u7f50\u5546\u5f80\u91d1\u878d\u670d\u52d9\u9818\u57df\u591a\u5143\u5316\u767c\u5c55\uff0c\u4e26\u66f4\u540d\u70ba\u666e\u745e\u746a\u745e\u5361\uff08Primerica\uff09\uff0c\u958b\u59cb\u51fa\u552e\u5de5\u696d\u696d\u52d9\u3002\u666e\u745e\u746a\u745e\u5361\u8207\u6851\u798f\u5fb7\u00b7\u9b4f\u723e\u9818\u5c0e\u7684\u5546\u696d\u4fe1\u8cb8\u516c\u53f8\uff08Commercial Credit\uff09\u5408\u4f75\u6642\uff08\u5f8c\u8005\u6536\u8cfc\u524d\u8005\uff09\uff0c\u9019\u500b\u767c\u5c55\u904e\u7a0b\u5c31\u5b8c\u6210\u4e86\uff0c\u4e0d\u904e\u5408\u4f75\u5f8c\u7684\u516c\u53f8\u63a1\u7528\u88ab\u6536\u8cfc\u8005\u7684\u540d\u7a31\u3002\u666e\u745e\u746a\u745e\u5361\u6536\u8cfc\u4e86\u65c5\u884c\u5bb6\u96c6\u5718\uff0c\u516c\u53f8\u518d\u5ea6\u66f4\u540d\u70ba\u82b1\u65d7\u96c6\u5718\u3002<\/p>\n\n\n\n<p>\u9019\u57fa\u672c\u4e0a\u662f\u5728\u300c\u5c0d\u7b49\u5408\u4f75\u300d\u4e2d\u5c0d\u82b1\u65d7\u516c\u53f8\u6240\u9032\u884c\u7684\u5fae\u8abf\uff1a\u5728\u9019\u500b\u904e\u7a0b\u4e2d\uff0c<a href=\"https:\/\/www.wsj.com\/articles\/SB875147275805842000\" target=\"_blank\" rel=\"noreferrer noopener\">\u65c5\u884c\u5bb6\u96c6\u5718\u5c07\u6240\u7f85\u9580\u5144\u5f1f\u516c\u53f8\u8207\u7f8e\u90a6\u516c\u53f8\u8a66\u8457\u5c07\u6210\u5408\u4f75\u5230\u6240\u7f85\u9580\u7f8e\u90a6\uff08Salomon Smith Barney\uff09\u7684\u65d7\u4e0b<\/a>\uff0c\u85c9\u6b64\u77ed\u66ab\u7684\u6536\u8cfc\u4e86\u6240\u7f85\u9580\u5144\u5f1f\u516c\u53f8\u3002\u82b1\u65d7\u96c6\u5718\u96a8\u5f8c\u552e\u51fa\u4e86\u65c5\u884c\u5bb6\u96c6\u5718\u4e0b\u7684\u4fdd\u96aa\u516c\u53f8\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%8A%B1%E6%97%97%E7%9A%84%E6%AD%B7%E5%8F%B2\"><\/span>\u82b1\u65d7\u7684\u6b77\u53f2<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u82b1\u65d7\u516c\u53f8\u57281980\u52302000\u5e74\u4ee3\u6642\uff0c\u66fe\u7d93\u662f\u7f8e\u570b\u898f\u6a21\u6700\u5927\u7684\u5546\u696d\u9280\u884c\u3002\u4e26\u4e14\u64c1\u6709\u5ee3\u6cdb\u7684\u7279\u8a31\u7d93\u71df\u6b0a\uff0c\u5305\u62ec\u66fe\u662f\u7f8e\u570b\u64c1\u6709\u6700\u5927\u7684\u6d88\u8cbb\u578b\u8cb8\u6b3e\uff08\u4e3b\u8981\u662f\u4fe1\u7528\u5361\uff09\u7684\u6295\u8cc7\u7d44\u5408\u3001\u7f8e\u570b\u570b\u5167\u5927\u578b\u7684\u7684\u4f01\u696d\u9280\u884c\u696d\u52d9\u3001\u4ee5\u53ca\u5206\u4f48\u5168\u7403\u7684\u570b\u969b\u9280\u884c\u696d\u52d9\u3002<\/p>\n\n\n\n<p>\u82b1\u65d7\u516c\u53f8\u4e00\u76f4\u53d7\u5230\u958b\u767c\u4e2d\u570b\u5bb6\u5446\u5e33\u7684\u56f0\u64fe\uff0c\u7279\u5225\u662f\u62c9\u4e01\u7f8e\u6d32\u570b\u5bb6\u30021980\u5e74\u4ee3\u4e2d\u671f\u7684\u8463\u4e8b\u9577\u6c83\u723e\u7279\u00b7\u9b4f\u91cc\u65af\u987f\uff08Walter Wriston\uff09\u4ee5\u300c\u570b\u5bb6\u4e0d\u6703\u7834\u7522\u300d\u7684\u8ad6\u65b7\u4f86\u4ee3\u66ff\u4fe1\u7528\u5206\u6790\uff1b\u7d50\u679c\u628a\u516c\u53f8\u5230\u5e95\u662f\u8981\u4e3b\u653b\u6d88\u8cbb\u8005\u9280\u884c\uff0c\u6216\u662f\u4e3b\u653b\u570b\u5185\u5546\u696d\u9280\u884c\u7684\u512a\u52e2\u8def\u7dda\u8b8a\u5f97\u6a21\u7cca\u4e0d\u6e05\u3002<\/p>\n\n\n\n<p>\u4ed6\u7684\u7e7c\u4efb\u4eba\u7d04\u7ff0\u30fb\u91cc\u5fb7\uff08John Reed\uff09\u5be6\u969b\u4e0a\u5df2\u7d93\u70ba\u672a\u4f86\u6253\u9020\u4e86\u82b1\u65d7\u516c\u53f8\u3002\u91cc\u5fb7\u7562\u696d\u65bc\u9ebb\u7701\u7406\u5de5\u5b78\u9662\uff0c\u4ed6\u5f9e\u5f8c\u52e4\u90e8\u9580\u505a\u8d77\uff0c\u5229\u7528\u79d1\u6280\u4f86\u5efa\u7acb\u81ea\u52d5\u6ac3\u54e1\u6a5f\u7684\u4fe1\u7528\u5361\u64cd\u4f5c\u65b9\u5f0f\uff0c\u4e26\u70ba1990\u5e74\u4ee3\u548c21\u4e16\u7d00\u9032\u884c\u4e86\u6574\u9ad4\u7684\u9280\u884c\u5b9a\u4f4d\u3002\u91cc\u5fb7\u4e3b\u8981\u7684\u6557\u7b46\u662f\u4ed6\u6700\u521d\u8655\u7406\u9b4f\u91cc\u65af\u9813\u548c\u4ee5\u524d\u540c\u4e8b\u5728\u4f01\u696d\u8cb8\u6b3e\u4e0a\u7559\u4e0b\u4f86\u7684\u554f\u984c\u6642\u9047\u5230\u4e86\u56f0\u96e3\uff0c\u8003\u616e\u5230\u4f01\u696d\u4fe1\u8ca8\u6587\u5316\u7684\u63a7\u5236\u6b0a\uff0c\u4ed6\u4e4b\u6240\u4ee5\u80fd\u5920\u6649\u5347\u70ba\u82b1\u65d7\u63a7\u80a1\u516c\u53f8\u7684\u8463\u4e8b\u9577\uff0c\u53ef\u4ee5\u8aaa\u662f\u9a5a\u4eba\u7684\u6210\u5c31\u3002\u516c\u53f8\u5efa\u8b70\u9b4f\u91cc\u65af\u9813\u8b93\u65b0\u4e00\u4ee3\u7684\u524d\u4e09\u540d\u9802\u5c16\u6210\u54e1\u76f8\u4e92\u7af6\u722d\uff0c\u91cc\u5fb7\u6700\u7d42\u7372\u52dd\u3002<\/p>\n\n\n\n<p>\u82b1\u65d7\u516c\u53f8\u57281990\u5e74\u4ee3\u521d\u671f\u66fe\u7d93\u6b77\u904e\u7015\u81e8\u7834\u7522\uff0c\u5e38\u6642\u80a1\u50f9\u8dcc\u5230\u6bcf\u80a110\u5143\u4ee5\u4e0b\uff0c\u53ea\u6bd4\u5e33\u9762\u50f9\u503c\u9ad8\u51fa4\u5206\u4e4b1\u3002\u5e78\u8667\u963f\u62c9\u4f2f\u6295\u8cc7\u4eba\u74e6\u5229\u738b\u5b50\uff08A-Waeed bin Talal\uff09\u53ca\u6642\u6ce8\u5165\u8cc7\u91d1\uff0c\u624d\u6559\u4e86\u9019\u5bb6\u516c\u53f8\u30021992\u5e74\u4e0b\u534a\u5e74\u53ca1993\u5e74\u671f\u9593\uff0c\u516c\u53f8\u80a1\u7968\u53cd\u6620\u4e86\u9019\u500b\u4e8b\u5be6\uff0c\u8207\u5df4\u83f2\u7279\u6301\u6709\u7684\u84cb\u53ef\u76f8\u4f3c\u7684\u5730\u65b9\u662f\uff1a\u5169\u8005\u7686\u7d93\u904e\u4e86\u5927\u9006\u8f49\uff0c\u4f46\u9019\u5c0d\u4e00\u822c\u7684\u6295\u8cc7\u4eba\u800c\u8a00\uff0c\u98a8\u96aa\u5be6\u5728\u662f\u592a\u5927\u4e86\u3002<\/p>\n\n\n\n<p>\u7531\u65bc\u806f\u6e96\u6703\u57281994\u5e74\u81f31995\u5e74\u4e03\u6b21\u63d0\u9ad8\u5229\u7387\uff0c\u4f7f\u82b1\u65d7\u516c\u53f8\u7684\u7968\u548c\u5927\u591a\u6578\u5176\u4ed6\u9280\u884c\u7684\u80a1\u7968\uff0c\u90fd\u4e0b\u8dcc\u5230\u4e86\u53ef\u4ee5\u6295\u8cc7\u7684\u7bc4\u570d\u30021995\u5e74\u521d\u671f\uff0c\u82b1\u65d7\u516c\u53f8\u7684\u80a1\u50f9\u662f39\u7f8e\u5143\uff0c\u5dee\u4e0d\u591a\u662f\u4e00\u5e74\u524d\u7684\u5e33\u9762\u50f9\u503c\u3002\u52a0\u4e0a\u80a1\u5229\u5f8c\uff0c\u80a1\u50f9\u4e5f\u4f4e\u65bc\u6295\u8cc7\u50f9\u503c1995\u5e74\uff0c\u82b1\u65d7\u516c\u53f8\u7684\u6536\u76ca\u6210\u9577\u6709\u9650\uff0c\u56e0\u70ba1994\u5e74\u7684\u6536\u76ca\u80fd\u5920\u6e1b\u7a0e\u3002\u8a08\u5165\u4e86\u7576\u5e74\u7684\u7a05\u5f8c\u6536\u76ca\u5f8c\uff0c\u82b1\u65d7\u516c\u53f8\u57281994\u5e74\u7684\u6bcf\u80a1\u5c24\u5176\u662f\u6536\u76ca\u53ea\u67095.25\u7f8e\u5143\u3002\u82071995\u5e74\u6bcf\u80a16\u7f8e\u5143\u7684\u6536\u76ca\u76f8\u6b64\uff0c\u9019\u662f\u6bd4\u8f03\u5be6\u969b\u7684\u57fa\u6578\u3002<\/p>\n\n\n\n<p>\u57281990\u5e74\u4ee3\u521d\u671f\u81f3\u4e2d\u671f\uff0c\u82b1\u65d7\u516c\u53f8\u548c\u6851\u798f\u5fb7\u00b7\u9b4f\u723e\uff08Sandy Weil\uff09\u9818\u5c0e\u7684\u65c5\u5bb6\u96c6\u5718\uff08Travelers Group\uff09\u5408\u4f75\uff0c\u6210\u7acb\u4e86\u82b1\u65d7\u96c6\u5718\uff08Citigroup\uff09\uff0c\u56e0\u6b64\u88ab\u5217\u5165\u4e86\u9053\u74ca\u6307\u6578\u768430\u652f\u6210\u4efd\u80a1\u4e2d\uff0c\u9019\u4e5f\u51f8\u986f\u4e86\u82b1\u65d7\u516c\u53f8\u7684\u7279\u8a31\u7d93\u71df\u7684\u50f9\u503c\u3002\u7f8e\u570b\u570b\u6703\u70ba\u4e86\u6279\u51c6\u9019\u9805\u5408\u4f75\uff0c\u4e0d\u5f97\u4e0d\u5ee2\u96641930\u5e74\u4ee3\u7684<a href=\"https:\/\/en.wikipedia.org\/wiki\/Glass%E2%80%93Steagall_legislation\" target=\"_blank\" rel=\"noreferrer noopener\">\u683c\u62c9\u65af-\u65af\u7b2c\u683c\u723e\u6cd5\u6848\uff08Glass-Steagall Act\uff09<\/a>\u2500\u2500\u2500\u2500\u9019\u500b\u6cd5\u6848\u898f\u5b9a\u5546\u696d\u9280\u884c\u548c\u6295\u8cc7\u9280\u884c\u4e0d\u80fd\u540c\u5c6c\u4e00\u5bb6\u4f01\u696d\u3002\u82b1\u65d7\u96c6\u5718\u5f8c\u4f86\u5c07\u4e00\u5bb6\u5168\u9762\u7684\u5546\u696d\u9280\u884c\u548c\u4e00\u5bb6\u5927\u578b\u6295\u8cc7\u9280\u884c\u6240\u7f85\u9580\u7f8e\u90a6\uff08Salomon Smith Barney\uff09\u5408\u4f75\u5728\u4e00\u8d77\u3002\u5408\u4f75\u5f8c\u80a1\u50f9\u96a8\u4e4b\u5927\u5e45\u98c6\u5347\uff0c\u80a1\u50f9\u8d85\u904e\u5e33\u9762\u50f9\u503c\u76842\u500d\u4ee5\u4e0a\u3002<\/p>\n\n\n\n<p><strong>\u8a3b\uff1a\u683c\u62c9\u65af-\u65af\u7b2c\u683c\u723e\u6cd5\u6848\uff08Glass-Steagall Act\uff09\u88ab\u5ee2\u6b62\uff0c\u5728\u7f8e\u570b\u7684\u91d1\u878d\u754c\u662f\u5f71\u97ff\u975e\u5e38\u6df1\u9060\u7684\u4e00\u4ef6\u5927\u4e8b\u3002<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%90%B8%E5%BC%95%E5%B7%B4%E8%8F%B2%E7%89%B9%E6%8C%81%E8%82%A1\"><\/span>\u5438\u5f15\u5df4\u83f2\u7279\u6301\u80a1<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u9577\u671f\u504f\u4f4e\u7684\u672c\u76ca\u6bd4\uff0c\u52a0\u4e0a\u5df4\u83f2\u7279\u5c0d\u9280\u884c\u696d\u6709\u7368\u5230\u7684\u66b8\u89e3\u548c\u504f\u597d\uff0c\u5c0e\u81f4\u5df4\u83f2\u7279\u7684\u516c\u53f8\u5728 2022 \u5e74\u7b2c\u4e00\u5b63\u5ea6\u8cfc\u8cb7\u4e86\u8d85\u904e 5500\u842c\u80a1\u7684\u82b1\u65d7\u96c6\u5718\u80a1\u7968\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%A5%AD%E5%8B%99%E5%92%8C%E4%BC%B0%E5%80%BC\"><\/span><strong>\u696d\u52d9<\/strong>\u548c\u4f30\u503c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E4%B8%BB%E8%A6%81%E6%A5%AD%E5%8B%99\"><\/span><strong>\u4e3b\u8981\u696d\u52d9<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>2021\u5e74\u5404\u90e8\u9580\u7684\u71df\u6536\u8868\u73fe\u5982\u4e0b\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\u4e3b\u8981\u90e8\u9580\u7684\u71df\u6536<\/td><td>\u6578\u5b57\uff08\u7f8e\u91d1\u767e\u842c\uff09<\/td><\/tr><tr><td>\u6a5f\u69cb\u5ba2\u6236\uff08ICG\uff09<\/td><td>43,887 -9.12%<\/td><\/tr><tr><td>ICG\u9280\u884c<\/td><td>23,253 +16.29%<\/td><\/tr><tr><td>ICG\u9280\u884c &#8211; \u6295\u8cc7\u9280\u884c<\/td><td>7,513<\/td><\/tr><tr><td>ICG\u9280\u884c &#8211; \u4ea4\u6613<\/td><td>9,444<\/td><\/tr><tr><td>ICG\u9280\u884c &#8211; \u4f01\u696d\u8cb8\u6b3e<\/td><td>2,291<\/td><\/tr><tr><td>ICG\u9280\u884c &#8211; \u79c1\u4eba\u9280\u884c<\/td><td>4,005<\/td><\/tr><tr><td>ICG\u8b49\u5238<\/td><td>20,778 -11.29%<\/td><\/tr><tr><td>ICG\u8b49\u5238 &#8211; \u56fa\u5b9a\u6536\u76ca<\/td><td>13,720<\/td><\/tr><tr><td>ICG\u8b49\u5238 &#8211; \u80a1\u7968\u5e02\u5834<\/td><td>4,545<\/td><\/tr><tr><td>ICG\u8b49\u5238 &#8211; \u8b49\u5238\u670d\u52d9<\/td><td>2,720<\/td><\/tr><tr><td>\u5168\u7403\u6d88\u8cbb\u8005\u9280\u884c\uff08GCB\uff09<\/td><td>17,481 -9.35%<\/td><\/tr><tr><td>GCB &#8211; \u96f6\u552e\u9280\u884c\u548c\u8ca1\u5bcc\u7ba1\u7406<\/td><td>4,211<\/td><\/tr><tr><td>GCB &#8211; \u4fe1\u7528\u5361<\/td><td>8,189<\/td><\/tr><tr><td>GCB &#8211; \u5317\u7f8e\u96f6\u552e\u9280\u884c<\/td><td>5,081<\/td><\/tr><tr><td>\u7e3d\u71df\u6536<\/td><td>71.884 -4.79%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"2021%E5%B9%B4%E8%B2%A1%E5%8B%99%E8%A1%A8%E7%8F%BE\"><\/span><strong>2021\u5e74\u8ca1\u52d9\u8868\u73fe<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\u6307\u6a19<\/td><td>\u6578\u5b57\uff08\u7f8e\u91d1\u767e\u842c\uff09<\/td><\/tr><tr><td>\u71df\u6536<\/td><td>71,884 -4.79%<\/td><\/tr><tr><td>\u5446\u5e33\u63d0\u5217<\/td><td>(3,778)<\/td><\/tr><tr><td>\u6de8\u5229<\/td><td>21,952 +98.71%<\/td><\/tr><tr><td>\u5e02\u503c<\/td><td>92,650<\/td><\/tr><tr><td>\u6bcf\u80a1\u8cec\u9762\u6de8\u503c<\/td><td>92.21<\/td><\/tr><tr><td>ROE<\/td><td>11.9%<\/td><\/tr><tr><td>ROA<\/td><td>0.94%<\/td><\/tr><tr><td>\u653e\u6b3e<\/td><td>651,312 -1%<\/td><\/tr><tr><td>\u7e3d\u8cc7\u7522<\/td><td>2,291,413<\/td><\/tr><tr><td>\u5b58\u6b3e<\/td><td>1,317,230<\/td><\/tr><tr><td>\u9577\u671f\u8ca0\u50b5<\/td><td>254,374<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E5%B8%82%E5%A0%B4%E7%9A%84%E4%BC%B0%E5%80%BC\"><\/span><strong>\u5e02\u5834\u7684\u4f30\u503c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>2021<\/td><td>\u6469\u6839\u5927\u901a<\/td><td>\u7f8e\u570b\u9280\u884c<\/td><td>\u5bcc\u570b\u9280\u884c<\/td><td>\u82b1\u65d7\u9280\u884c&nbsp;<\/td><\/tr><tr><td>\u5e02\u503c\uff08\u7f8e\u91d1\u5341\u5104\uff09<\/td><td>361.68<\/td><td>299.15<\/td><td>167.88<\/td><td>98.82<\/td><\/tr><tr><td>\u80a1\u50f9<\/td><td>123.03<\/td><td>37.13<\/td><td>44.16<\/td><td>50.1<\/td><\/tr><tr><td>\u672c\u76ca\u6bd4<\/td><td>9.13<\/td><td>10.58<\/td><td>9.18<\/td><td>5.91<\/td><\/tr><tr><td>\u80a1\u5229\u6b96\u5229\u7387<\/td><td>3.25%<\/td><td>2.26%<\/td><td>2.26%<\/td><td>4.07%<\/td><\/tr><tr><td>\u7e3d\u8cc7\u7522\uff08\u7f8e\u91d1\u5341\u5104\uff09<\/td><td>3,743.567<\/td><td>3,169.495<\/td><td>1,948.068<\/td><td>2,291.413<\/td><\/tr><tr><td>ROA<\/td><td>1.3%<\/td><td>0.9%<\/td><td>0.9%<\/td><td>0.9%<\/td><\/tr><tr><td>ROE<\/td><td>19%<\/td><td>11.6%<\/td><td>10.4%<\/td><td>11.9%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%A4%B1%E6%95%97%E6%9C%89%E5%BE%B5%E5%85%86%E5%8F%AF%E5%BE%AA\"><\/span>\u5931\u6557\u6709\u5fb5\u5146\u53ef\u5faa<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%82%A1%E7%A5%A8%E5%8F%8D%E5%90%91%E5%88%86%E5%89%B2\"><\/span>\u80a1\u7968\u53cd\u5411\u5206\u5272<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u82b1\u65d7\u96c6\u5718\u662f\u5f88\u5c11\u6578\u7f8e\u80a1\u77e5\u540d\u7684\u5927\u578b\u4e0a\u5e02\u4f01\u696d\u57f7\u884c\u904e\u5341\u80a1\u4f75\u4e00\u80a1\u7684\u516c\u53f8\uff0c\u9019\u6211\u5728\u6211\u7684\u300a<a href=\"https:\/\/www.books.com.tw\/products\/0010889106?sloc=main\" target=\"_blank\" rel=\"noreferrer noopener\">\u8d85\u7d1a\u6210\u9577\u80a1\u6cd5\u5247<\/a>\u300b\u4e00\u66f8\u6700\u5f8c\u97625-6\u63d0\u904e\u7684\uff0c\u66fe\u7d93\u62ff\u82b1\u65d7\u96c6\u5718\u4f86\u505a\u70ba\u80a1\u7968\u53cd\u5411\u5206\u5272\u7684\u5178\u578b\u6848\u4f8b\uff0c\u800c\u4e14\u662f\u500b\u8457\u540d\u7684\u8ca0\u9762\u6848\u4f8b\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"235\" height=\"151\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2022\/09\/c.jpg\" alt=\"Citigroup\" class=\"wp-image-24533\"\/><figcaption class=\"wp-element-caption\">Credit: Citigroup<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%80%80%E5%87%BA%E4%BA%9E%E6%B4%B2%E6%A5%AD%E5%8B%99\"><\/span>\u9000\u51fa\u4e9e\u6d32\u696d\u52d9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u82b1\u65d7\u96c6\u5718\u4e00\u5e74\u524d\u6c7a\u5b9a\u5168\u9762\u64a4\u51fa\u8a31\u591a\u958b\u767c\u4e2d\u570b\u5bb6\u7684\u6d88\u8cbb\u91d1\u878d\u5e02\u5834\uff0c\u8a73\u60c5\u8acb\u898b\u6211\u4e4b\u524d\u7684\u90e8\u843d\u683c\u6587\u7ae0\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/04\/30\/%E4%BB%80%E9%BA%BC%E5%9B%A0%E7%B4%A0%E9%80%A0%E6%88%90%E8%8A%B1%E6%97%97%E6%94%BE%E6%A3%8413%E5%9C%8B%E7%9A%84%E9%9B%B6%E5%94%AE%E9%8A%80%E8%A1%8C%E6%A5%AD%E5%8B%99\/\">\u4ec0\u9ebc\u56e0\u7d20\u9020\u6210\u82b1\u65d7\uff08Citigroup\uff09\u653e\u68c413\u570b\u7684\u96f6\u552e\u9280\u884c\u696d\u52d9<\/a>\u300b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\"><\/span>\u76f8\u95dc\u6587\u7ae0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/08\/14\/%e3%80%8a%e5%a4%a7%e5%88%b0%e4%b8%8d%e8%83%bd%e5%80%92%e3%80%8b\/\">\u300a\u5927\u5230\u4e0d\u80fd\u5012\uff08Too Big To Fall\uff09\u300b-2008\u5e74\u91d1\u878d\u98a8\u66b4\u6700\u4f73\u5165\u9580<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/10\/06\/%e7%be%8e%e5%9c%8b%e6%94%bf%e5%ba%9c%e5%85%a5%e8%82%a1%e7%9a%84%e4%bc%81%e6%a5%ad%e8%82%a1%e5%83%b9%e8%a1%a8%e7%8f%be%e5%a6%82%e4%bd%95%ef%bc%9f\/\">\u7f8e\u570b\u653f\u5e9c\u5165\u80a1\u7684\u4f01\u696d\uff0c\u80a1\u50f9\u8868\u73fe\u5982\u4f55\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/09\/28\/%e3%80%8a%e5%a4%a7%e8%b3%a3%e7%a9%ba%ef%bc%88the-big-short%ef%bc%89%e3%80%8b\/\">\u5927\u8ce3\u7a7a\uff08The Big Short\uff09<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/08\/20\/%e6%88%bf%e5%88%a9%e7%be%8e%e5%92%8c%e6%88%bf%e5%9c%b0%e7%be%8e%e6%b1%ba%e5%ae%9a%e9%87%8d%e6%96%b0%e4%b8%8a%e5%b8%82\/\">\u623f\u5229\u7f8e\u548c\u623f\u5730\u7f8e\uff08Fannie Mae\uff0cFreddie Mac\uff09\u5f88\u53ef\u80fd\u6703\u91cd\u65b0\u4e0a\u5e02<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/06\/02\/%E7%9F%BD%E2%BE%95%E9%8A%80%E2%BE%8F%E6%98%AF%E5%A6%82%E4%BD%95%E7%A0%B4%E7%94%A2%E7%9A%84%EF%BC%9F%E5%BD%B1%E9%9F%BF%E7%82%BA%E4%BD%95%EF%BC%9F\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u77fd\u2f95\u9280\u2f8f\u662f\u5982\u4f55\u7834\u7522\u7684\uff1f\u5f71\u97ff\u70ba\u4f55\uff1f<\/a>\u300b<\/li>\n\n\n\n<li><a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/06\/22\/%e3%80%8a%e9%bb%91%e9%87%91%e9%a2%a8%e6%9a%b4inside-job%e3%80%8b\/\">\u300a\u9ed1\u91d1\u98a8\u66b4(Inside Job)\u300b<\/a><\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/10\/08\/%e6%8a%95%e8%b3%87%e9%8a%80%e8%a1%8c%e4%b9%8b%e7%8e%8b%e6%91%a9%e6%a0%b9%e5%a3%ab%e4%b8%b9%e5%88%a9\/\">\u6295\u8cc7\u9280\u884c\u4e4b\u738b\u6469\u6839\u58eb\u4e39\u5229\uff08Morgan Stanley\uff09<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/07\/12\/%E5%85%A8%E7%90%83%E6%9C%80%E5%A4%A7%E9%8A%80%E8%A1%8C%E6%91%A9%E6%A0%B9%E5%A4%A7%E9%80%9A\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5168\u7403\u6700\u5927\u9280\u884c\u6469\u6839\u5927\u901a\uff08JPMorgan Chase\uff09\u662f\u5982\u4f55\u8cfa\u9322\u7684\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/07\/18\/%E5%A4%A7%E5%88%B0%E4%B8%8D%E8%83%BD%E5%80%92%E7%9A%84%E7%BE%8E%E5%9C%8B%E9%8A%80%E8%A1%8C\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5927\u5230\u4e0d\u80fd\u5012\u7684\u7f8e\u570b\u9280\u884c\uff08Bank of America\uff09<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/07\/27\/%E7%9B%B8%E4%BF%A1%E6%88%90%E5%8A%9F%E6%8A%95%E8%B3%87%E4%BA%BA%E6%98%AF%E5%80%96%E5%AD%98%E8%80%85%E5%81%8F%E8%AA%A4%E7%9A%84%E4%BA%BA%E4%B8%8D%E5%8F%AF%E8%83%BD%E6%88%90%E5%8A%9F\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/06\/17\/%E6%9B%BE%E7%B6%93%E5%B7%B4%E8%8F%B2%E7%89%B9%E5%92%8C%E8%92%99%E6%A0%BC%E9%83%BD%E8%AE%9A%E8%AD%BD%E6%9C%89%E4%BD%B3%E7%9A%84%E9%87%8D%E8%A6%81%E6%8C%81%E8%82%A1%E5%AF%8C%E5%9C%8B%E9%8A%80%E8%A1%8C\/\">\u5bcc\u570b\u9280\u884c\u5982\u4f55\u8cfa\u9322\uff1f\u66fe\u7d93\u5df4\u83f2\u7279\u548c\u8499\u683c\u90fd\u8b9a\u8b7d\u6709\u52a0\u7684\u91cd\u8981\u6301\u80a1<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/04\/30\/%E4%BB%80%E9%BA%BC%E5%9B%A0%E7%B4%A0%E9%80%A0%E6%88%90%E8%8A%B1%E6%97%97%E6%94%BE%E6%A3%8413%E5%9C%8B%E7%9A%84%E9%9B%B6%E5%94%AE%E9%8A%80%E8%A1%8C%E6%A5%AD%E5%8B%99\/\">\u4ec0\u9ebc\u56e0\u7d20\u9020\u6210\u82b1\u65d7\uff08Citigroup\uff09\u653e\u68c413\u570b\u7684\u96f6\u552e\u9280\u884c\u696d\u52d9<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/09\/%E8%8A%B1%E6%97%97%E9%9B%86%E5%9C%98\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u8d70\u4e0b\u5761\u4f01\u696d\u7684\u4ee3\u8868\u82b1\u65d7\u96c6\u5718\uff08Citigroup\uff09<\/a>\u300b<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%87%8D%E8%A6%81%E8%81%B2%E6%98%8E\"><\/span><em><strong>\u91cd\u8981\u8072\u660e<\/strong><\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>\u672c\u7ad9\u5167\u5bb9\u70ba\u4f5c\u8005\u500b\u4eba\u610f\u898b\uff0c\u50c5\u4f9b\u53c3\u8003\uff0c\u672c\u4eba\u4e0d\u5c0d\u6587\u7ae0\u5167\u5bb9\u3001\u8cc7\u6599\u4e4b\u6b63\u78ba\u6027\u3001\u770b\u6cd5\u3001\u8207\u5373\u6642\u6027\u8ca0\u4efb\u4f55\u8cac\u4efb\uff0c\u8b80\u8005\u8acb\u52d9\u5fc5\u81ea\u884c\u5224\u65b7\u3002<\/em><\/li>\n\n\n\n<li><em>\u5c0d\u65bc\u8b80\u8005\u76f4\u63a5\u6216\u9593\u63a5\u4f9d\u8cf4\u4e26\u53c3\u8003\u672c\u7ad9\u8cc7\u8a0a\u5f8c\uff0c\u63a1\u53d6\u4efb\u4f55\u6295\u8cc7\u884c\u70ba\u6240\u5c0e\u81f4\u4e4b\u76f4\u63a5\u6216\u9593\u63a5\u640d\u5931\uff0c\u6216\u56e0\u6b64\u7522\u751f\u4e4b\u4e00\u5207\u8cac\u4efb\uff0c\u672c\u4eba\u5747\u4e0d\u8ca0\u4efb\u4f55\u640d\u5bb3\u8ce0\u511f\u53ca\u5176\u4ed6\u6cd5\u5f8b\u4e0a\u4e4b\u8cac\u4efb\u3002<\/em><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u5931\u6557\u4f01\u696d\u7684\u4ee3\u8868\u82b1\u65d7\u96c6\u5718, 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