{"id":49755,"date":"2024-07-18T23:56:00","date_gmt":"2024-07-18T15:56:00","guid":{"rendered":"https:\/\/www.granitefirm.com\/blog\/?p=49755"},"modified":"2025-10-09T10:47:52","modified_gmt":"2025-10-09T02:47:52","slug":"%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","status":"publish","type":"post","link":"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\/","title":{"rendered":"\u5927\u5230\u4e0d\u80fd\u5012\u7684\u7f8e\u570b\u9280\u884c\uff08Bank of America\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\/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\/#%E5%85%AC%E5%8F%B8%E7%B0%A1%E4%BB%8B\" >\u516c\u53f8\u7c21\u4ecb<\/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\/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\/#%E5%85%AC%E5%8F%B8%E7%9A%84%E7%94%B1%E4%BE%86\" >\u516c\u53f8\u7684\u7531\u4f86<\/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\/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\/#%E7%BE%8E%E5%9C%8B%E9%8A%80%E8%A1%8C%E7%9A%84%E5%89%8D%E8%BA%AB\" >\u7f8e\u570b\u9280\u884c\u7684\u524d\u8eab<\/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\/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\/#%E5%85%AC%E5%8F%B8%E7%9A%84%E5%89%B5%E7%AB%8B\" >\u516c\u53f8\u7684\u5275\u7acb<\/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\/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\/#%E6%A5%AD%E5%8B%99%E5%92%8C%E8%A6%8F%E6%A8%A1\" >\u696d\u52d9\u548c\u898f\u6a21<\/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\/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\/#%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\/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\/#%E8%A6%8F%E6%A8%A1\" >\u898f\u6a21<\/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:\/\/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\/#%E7%BE%8E%E5%9C%8B%E9%8A%80%E8%A1%8C%E7%9A%84%E7%8D%A8%E7%89%B9%E5%9C%B0%E4%BD%8D\" >\u7f8e\u570b\u9280\u884c\u7684\u7368\u7279\u5730\u4f4d<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" 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\/#%E7%99%BC%E6%98%8E%E5%A8%81%E5%A3%AB%E5%8D%A1\" >\u767c\u660e\u5a01\u58eb\u5361<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" 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\/#%E7%BE%8E%E5%9C%8B%E7%AC%AC%E4%BA%8C%E5%A4%A7%E5%95%86%E6%A5%AD%E9%8A%80%E8%A1%8C\" >\u7f8e\u570b\u7b2c\u4e8c\u5927\u5546\u696d\u9280\u884c<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" 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\/#%E5%85%AC%E5%8F%B8%E7%87%9F%E9%81%8B\" >\u516c\u53f8\u71df\u904b<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" 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\/#%E4%B8%BB%E8%A6%81%E4%BD%B5%E8%B3%BC%E6%A1%88\" >\u4e3b\u8981\u4f75\u8cfc\u6848<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" 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\/#%E6%9B%BE%E6%98%AF%E4%B8%AD%E5%9C%8B%E5%BB%BA%E8%A8%AD%E9%8A%80%E8%A1%8C%E5%A4%A7%E8%82%A1%E6%9D%B1\" >\u66fe\u662f\u4e2d\u570b\u5efa\u8a2d\u9280\u884c\u5927\u80a1\u6771<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" 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\/#%E7%AB%B6%E7%88%AD%E5%B0%8D%E6%89%8B\" >\u7af6\u722d\u5c0d\u624b<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" 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\/#%E9%87%91%E8%9E%8D%E5%8D%B1%E6%A9%9F%E6%94%B9%E8%AE%8A%E4%BA%86%E7%BE%8E%E5%9C%8B%E9%8A%80%E8%A1%8C\" >\u91d1\u878d\u5371\u6a5f\u6539\u8b8a\u4e86\u7f8e\u570b\u9280\u884c<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" 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\/#%E6%94%B6%E8%B3%BC%E7%BE%8E%E6%9E%97%E8%AD%89%E5%88%B8\" >\u6536\u8cfc\u7f8e\u6797\u8b49\u5238<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" 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\/#%E6%8E%A5%E5%8F%97%E7%BE%8E%E6%94%BF%E5%BA%9C%E7%B4%93%E5%9B%B0\" >\u63a5\u53d7\u7f8e\u653f\u5e9c\u7d13\u56f0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" 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\/#%E5%B7%B4%E8%8F%B2%E7%89%B9%E5%92%8C%E7%BE%8E%E5%9C%8B%E9%8A%80%E8%A1%8C\" >\u5df4\u83f2\u7279\u548c\u7f8e\u570b\u9280\u884c<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" 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\/#%E5%B7%B4%E8%8F%B2%E7%89%B9%E5%87%BA%E6%89%8B%E7%9B%B8%E6%95%91\" >\u5df4\u83f2\u7279\u51fa\u624b\u76f8\u6551<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" 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\/#%E5%B7%B4%E8%8F%B2%E7%89%B9%E5%B0%8D%E7%BE%8E%E5%9C%8B%E9%8A%80%E8%A1%8C%E7%9A%84%E7%9C%8B%E6%B3%95\" >\u5df4\u83f2\u7279\u5c0d\u7f8e\u570b\u9280\u884c\u7684\u770b\u6cd5<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" 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\/#%E6%B3%A2%E5%85%8B%E5%A4%8F%E6%8C%81%E6%9C%89%E7%9A%84%E9%83%A8%E4%BD%8D\" >\u6ce2\u514b\u590f\u6301\u6709\u7684\u90e8\u4f4d<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" 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\/#%E5%85%AC%E5%8F%B8%E7%9A%84%E7%87%9F%E9%81%8B%E9%83%A8%E9%96%80\" >\u516c\u53f8\u7684\u71df\u904b\u90e8\u9580<\/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:\/\/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\/#%E5%80%8B%E4%BA%BA%E9%8A%80%E8%A1%8C%E6%A5%AD%E5%8B%99\" >\u500b\u4eba\u9280\u884c\u696d\u52d9<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" 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\/#%E5%85%A8%E7%90%83%E9%8A%80%E8%A1%8C%E9%83%A8%E9%96%80\" >\u5168\u7403\u9280\u884c\u90e8\u9580<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" 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\/#%E8%B2%A1%E5%AF%8C%E8%88%87%E6%8A%95%E8%B3%87%E7%AE%A1%E7%90%86\" >\u8ca1\u5bcc\u8207\u6295\u8cc7\u7ba1\u7406<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" 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\/#%E5%85%A8%E7%90%83%E5%B8%82%E5%A0%B4\" >\u5168\u7403\u5e02\u5834<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" 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\/#%E8%B2%A1%E5%A0%B1%E8%A1%A8%E7%8F%BE\" >\u8ca1\u5831\u8868\u73fe<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" 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\/#2024%E5%B9%B4%E7%AC%AC%E4%B8%80%E5%AD%A3%E8%B2%A1%E5%A0%B1\" >2024\u5e74\u7b2c\u4e00\u5b63\u8ca1\u5831<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" 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\/#%E9%80%9A%E8%86%A8%E5%92%8C%E6%99%AF%E6%B0%A3%E7%9A%84%E5%BD%B1%E9%9F%BF\" >\u901a\u81a8\u548c\u666f\u6c23\u7684\u5f71\u97ff<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" 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\/#%E8%B3%87%E6%9C%AC%E5%B8%82%E5%A0%B4%E7%9A%84%E8%A1%A8%E7%8F%BE\" >\u8cc7\u672c\u5e02\u5834\u7684\u8868\u73fe<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" 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\/#%E4%BC%B0%E5%80%BC%E4%BE%BF%E5%AE%9C\" >\u4f30\u503c\u4fbf\u5b9c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" 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\/#%E8%82%A1%E5%88%A9\" >\u80a1\u5229<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" 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\/#%E8%82%A1%E5%83%B9%E8%A1%A8%E7%8F%BE\" >\u80a1\u50f9\u8868\u73fe<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-34\" 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\/#%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-35\" 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\/#%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=\"%E5%85%AC%E5%8F%B8%E7%B0%A1%E4%BB%8B\"><\/span>\u516c\u53f8\u7c21\u4ecb<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%85%AC%E5%8F%B8%E7%9A%84%E7%94%B1%E4%BE%86\"><\/span>\u516c\u53f8\u7684\u7531\u4f86<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/en.wikipedia.org\/wiki\/Bank_of_America\" target=\"_blank\" rel=\"noreferrer noopener\">\u7f8e\u570b\u9280\u884c\uff08Bank of America\uff0c\u7f8e\u80a1\u4ee3\u78bc\uff1aBAC\uff09<\/a>\u662f\u7531\u570b\u5bb6\u9280\u884c\uff08NationsBank\uff09\u548c\u7f8e\u570b\u9280\u884c\uff08Bank of America\uff09\u65bc1998\u5e74\u5408\u4f75\u800c\u6210\uff0c\u662f\u7f8e\u570b\u7b2c\u4e8c\u5927\u9280\u884c\u6a5f\u69cb\uff0c\u4e5f\u662f\u5168\u7403\u5e02\u503c\u7b2c\u4e8c\u5927\u9280\u884c\uff0c\u5747\u50c5\u6b21\u65bc\u6469\u6839\u5927\u901a\u3002\u7f8e\u570b\u9280\u884c\u662f\u7f8e\u570b\u56db\u5927\u9280\u884c\u6a5f\u69cb\u4e4b\u4e00\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%BE%8E%E5%9C%8B%E9%8A%80%E8%A1%8C%E7%9A%84%E5%89%8D%E8%BA%AB\"><\/span>\u7f8e\u570b\u9280\u884c\u7684\u524d\u8eab<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u7f8e\u570b\u9280\u884c\u7684\u524d\u8eab\uff0c\u4e3b\u8981\u4f86\u81ea\u4ee5\u4e0b\u4e09\u500b\u9280\u884c\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>FleetBoston Financial\uff1a \u99ac\u85a9\u8af8\u585e\u5dde\u6ce2\u58eb\u9813\uff081784\u5e74\uff09<\/li>\n\n\n\n<li>\u570b\u5bb6\u9280\u884c\uff1a \u5317\u5361\u7f85\u4f86\u7d0d\u5dde\u590f\u6d1b\u7279\uff081874\u5e74\uff09<\/li>\n\n\n\n<li>\u7fa9\u5927\u5229\u9280\u884c\uff1a \u52a0\u5dde\u820a\u91d1\u5c71\uff081928\u5e74\uff09 <\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%85%AC%E5%8F%B8%E7%9A%84%E5%89%B5%E7%AB%8B\"><\/span>\u516c\u53f8\u7684\u5275\u7acb<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u73fe\u5728\u696d\u754c\u4e00\u822c\u7684\u770b\u6cd5\uff0c\u8a8d\u5b9a\u7f8e\u570b\u9280\u884c\u7684\u7684\u5efa\u7acb\u53ef\u4ee5\u8ffd\u6eaf\u52301784\u5e74\u7684\u9ebb\u85a9\u8af8\u585e\u5dde\u9280\u884c\uff08FleetBoston Financial\uff09\uff0c\u662f\u7f8e\u570b\u7b2c\u4e8c\u6b77\u53f2\u60a0\u4e45\u7684\u9280\u884c\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%E8%A6%8F%E6%A8%A1\"><\/span>\u696d\u52d9\u548c\u898f\u6a21<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%B8%BB%E8%A6%81%E6%A5%AD%E5%8B%99\"><\/span>\u4e3b\u8981\u696d\u52d9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5176\u4e3b\u8981\u91d1\u878d\u670d\u52d9\u570d\u7e5e\u8457\u5546\u696d\u9280\u884c\u3001\u8ca1\u5bcc\u7ba1\u7406\u548c\u6295\u8cc7\u9280\u884c\u3002\u901a\u904e\u4e00\u7cfb\u5217\u4f75\u8cfc\uff0c\u5b83\u4ee5\u5546\u696d\u9280\u884c\u696d\u52d9\u70ba\u57fa\u790e\uff0c\u5206\u5225\u65bc2008\u5e74\u548c2009\u5e74\u6210\u7acb\u4e86\u5f9e\u4e8b\u8ca1\u5bcc\u7ba1\u7406\u7684\u7f8e\u6797\u8b49\u5238\u548c\u5f9e\u4e8b\u6295\u8cc7\u9280\u884c\u696d\u52d9\u7684\u7f8e\u570b\u9280\u884c\u7f8e\u6797\u8b49\u5238\uff08\u5f8c\u4f86\u66f4\u540d\u70ba\u7f8e\u9280\u8b49\u5238\uff09\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%A6%8F%E6%A8%A1\"><\/span>\u898f\u6a21<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u622a\u81f3 2018 \u5e74\uff0c\u7f8e\u570b\u9280\u884c\u7684\u6295\u8cc7\u9280\u884c\u90e8\u9580\u88ab\u8996\u70ba\u5168\u7403\u7b2c\u4e09\u5927\u6295\u8cc7\u9280\u884c\u3002 \u5176\u8ca1\u5bcc\u7ba1\u7406\u90e8\u9580\u7ba1\u74061.081\u5146\u7f8e\u5143\u7684\u8cc7\u7522\u7ba1\u7406\u898f\u6a21\uff08AUM\uff09\uff0c\u662f\u50c5\u6b21\u65bc\u745e\u9280\u7684\u5168\u7403\u7b2c\u4e8c\u5927\u8ca1\u5bcc\u7ba1\u7406\u516c\u53f8\u3002 <\/p>\n\n\n\n<p>\u5728\u5546\u696d\u9280\u884c\u696d\u52d9\u4e2d\uff0c\u7f8e\u570b\u9280\u884c\u5728\u7f8e\u570b\u6240\u6709 50 \u500b\u5dde\u3001\u54e5\u502b\u6bd4\u4e9e\u7279\u5340\u548c\u5176\u4ed6 40 \u591a\u500b\u570b\u5bb6\u7d93\u71df\u96f6\u552e\u5206\u884c\u3002 \u5176\u5546\u696d\u9280\u884c\u696d\u52d9\u6db5\u84cb 4,600 \u500b\u9280\u884c\u4e2d\u5fc3\u548c 16,000 \u53f0\u81ea\u52d5\u6ac3\u54e1\u6a5f(ATM)\u4e2d\u7684 4,600 \u842c\u6d88\u8cbb\u8005\u548c\u5c0f\u578b\u4f01\u696d\u95dc\u4fc2\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%BE%8E%E5%9C%8B%E9%8A%80%E8%A1%8C%E7%9A%84%E7%8D%A8%E7%89%B9%E5%9C%B0%E4%BD%8D\"><\/span>\u7f8e\u570b\u9280\u884c\u7684\u7368\u7279\u5730\u4f4d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%99%BC%E6%98%8E%E5%A8%81%E5%A3%AB%E5%8D%A1\"><\/span>\u767c\u660e\u5a01\u58eb\u5361<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>1958\u5e74\uff0c\u8a72\u884c\u767c\u660e\u4e86\u9280\u884c\u4fe1\u7528\u5361\uff0c\u7a31\u70ba\u7f8e\u570b\u9280\u884c\u5361\uff08BankAmericard\uff09\uff0c\u8a72\u53611976\u5e74\u6539\u540d\u70ba\u5a01\u58eb\u5361\uff08Visa Card\uff09\u3002\u4e5f\u5c31\u662f\u73fe\u5728\u5927\u5bb6\u719f\u77e5\u7684\u5168\u7403\u6700\u5927\u7684\u4fe1\u7528\u5361\u7db2\u8def\u96c6\u5718\u5a01\u58eb\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aV\uff09\u3002<\/p>\n\n\n\n<p>\u4e00\u6279\u5176\u4ed6\u7684\u52a0\u5229\u798f\u5c3c\u4e9e\u5dde\u9280\u884c\u5247\u5728\u7a0d\u5f8c\u806f\u5408\u8d77\u4f86\uff0c\u53e6\u5916\u767c\u884c\u4e86\u842c\u4e8b\u9054\u5361\uff08MasterCard\uff09\u4f86\u8207\u7f8e\u570b\u9280\u884c\u5361\u7af6\u722d\u3002\u4e5f\u5c31\u662f\u73fe\u5728\u5927\u5bb6\u719f\u77e5\u7684\u5168\u7403\u7b2c\u4e8c\u5927\u7684\u4fe1\u7528\u5361\u7db2\u8def\u96c6\u5718\u842c\u4e8b\u9054\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aMA\uff09\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%BE%8E%E5%9C%8B%E7%AC%AC%E4%BA%8C%E5%A4%A7%E5%95%86%E6%A5%AD%E9%8A%80%E8%A1%8C\"><\/span>\u7f8e\u570b\u7b2c\u4e8c\u5927\u5546\u696d\u9280\u884c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u7f8e\u570b\u9280\u884c\uff0c\u4ee5\u8cc7\u7522\u8a08\u662f\u7f8e\u570b\u7b2c\u4e8c\u5927\u5546\u696d\u9280\u884c\uff0c\u50c5\u6b21\u65bc\u6469\u6839\u5927\u901a\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aJPM\uff09\u3002\u7f8e\u570b\u9280\u884c\u5728\u5168\u4e16\u754c150\u591a\u500b\u570b\u5bb6\u64c1\u6709\u7d045,600\u5bb6\u652f\u884c\uff0c16,200\u500bATM\u9ede\u3002\u6839\u64da\u7e3d\u6536\u5165\u6392\u540d\uff0c\u7f8e\u570b\u9280\u884c\u662f\u7f8e\u570b\u7b2c\u4e09\u5927\u516c\u53f8\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%85%AC%E5%8F%B8%E7%87%9F%E9%81%8B\"><\/span>\u516c\u53f8\u71df\u904b<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%B8%BB%E8%A6%81%E4%BD%B5%E8%B3%BC%E6%A1%88\"><\/span>\u4e3b\u8981\u4f75\u8cfc\u6848<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2002\u5e7412\u6708\uff0c\u7f8e\u570b\u9280\u884c\u8017\u8cc716\u5104\u7f8e\u5143\u6536\u8cfc\u58a8\u897f\u54e5\u7b2c\u4e09\u5927\u9280\u884c\u2500\u2500\u2500\u6851\u5766\u5fb7\u00b7\u585e\u723e\u82ac\u9280\u884c\uff08Grupo Financiero Scamander Serfin\uff0925%\u7684\u80a1\u4efd\u3002<\/li>\n\n\n\n<li>2007\u5e747\u67082\u65e5\uff0c\u4ee533\u5104\u7f8e\u5143\u6536\u8cfc\u8ca1\u5bcc\u7ba1\u7406\u516c\u53f8U.S. Trust Corp.\u53ca\u5176\u5b50\u516c\u53f8U.S. Trust Company\u3002<\/li>\n\n\n\n<li>2007\u5e749\u670814\u65e5\uff0c\u7f8e\u570b\u9280\u884c\u8017\u8cc7210\u5104\u7f8e\u5143\u6536\u8cfc\u8377\u862d\u9280\u884c\u65d7\u4e0b\u7f8e\u570bLASALLE \u9280\u884c<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%9B%BE%E6%98%AF%E4%B8%AD%E5%9C%8B%E5%BB%BA%E8%A8%AD%E9%8A%80%E8%A1%8C%E5%A4%A7%E8%82%A1%E6%9D%B1\"><\/span>\u66fe\u662f\u4e2d\u570b\u5efa\u8a2d\u9280\u884c\u5927\u80a1\u6771<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>2005\u5e74\uff0c\u7f8e\u570b\u9280\u884c\u4ee530\u5104\u7f8e\u5143\u6536\u8cfc\u4e86\u4e2d\u570b\u56db\u5927\u9280\u884c\u4e4b\u4e00\u7684\u4e2d\u570b\u5efa\u8a2d\u9280\u884c\uff08CCB\uff099%\u7684\u80a1\u4efd\u3002\u7f8e\u570b\u9280\u884c\u5728\u9999\u6e2f\u3001\u4e0a\u6d77\u548c\u5ee3\u5dde\u8a2d\u6709\u8fa6\u4e8b\u8655\uff0c\u4e26\u5e0c\u671b\u900f\u904e\u6b64\u4ea4\u6613\u5927\u5e45\u64f4\u5c55\u5176\u4e2d\u570b\u696d\u52d9\u3002<\/p>\n\n\n\n<p>\u56e0\u70ba\u7f8e\u570b\u9280\u884c\u81ea\u5df1\u7522\u751f\u6d41\u52d5\u6027\u56f0\u96e3\uff0c\u6025\u9700\u8cc7\u91d1\u30022011\u5e7411\u6708\uff0c\u7f8e\u570b\u9280\u884c\u5ba3\u5e03\u8a08\u5283\u525d\u96e2\u5176\u5728\u4e2d\u570b\u5efa\u8a2d\u9280\u884c\u7684\u5927\u90e8\u5206\u80a1\u6b0a\u30022013\u5e749\u6708\uff0c\u7f8e\u570b\u9280\u884c\u4ee5\u9ad8\u905415\u5104\u7f8e\u5143\u7684\u50f9\u683c\u51fa\u552e\u4e86\u5176\u5728\u4e2d\u570b\u5efa\u8a2d\u9280\u884c\u7684\u5269\u9918\u80a1\u4efd\uff0c\u6b63\u5f0f\u5168\u9762\u9000\u51fa\u4e2d\u570b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%AB%B6%E7%88%AD%E5%B0%8D%E6%89%8B\"><\/span>\u7af6\u722d\u5c0d\u624b<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5b83\u548c\u6469\u6839\u5927\u901a\u3001\u82b1\u65d7\u96c6\u5718\u548c\u5bcc\u570b\u9280\u884c\u76f4\u63a5\u7af6\u722d\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%87%91%E8%9E%8D%E5%8D%B1%E6%A9%9F%E6%94%B9%E8%AE%8A%E4%BA%86%E7%BE%8E%E5%9C%8B%E9%8A%80%E8%A1%8C\"><\/span>\u91d1\u878d\u5371\u6a5f\u6539\u8b8a\u4e86\u7f8e\u570b\u9280\u884c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%94%B6%E8%B3%BC%E7%BE%8E%E6%9E%97%E8%AD%89%E5%88%B8\"><\/span>\u6536\u8cfc\u7f8e\u6797\u8b49\u5238<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>2008\u5e749\u6708\uff0c\u56e0\u70ba\u767e\u5e74\u96e3\u898b\u7684\u91d1\u878d\u6d77\u562f\uff0c\u7f8e\u570b\u9280\u884c\u8207\u7f8e\u6797\u8b49\u5238\u9054\u6210\u5354\u8b70\uff0c\u4ee5440\u5104\u7f8e\u5143\u6536\u8cfc\u7f8e\u6797\u8b49\u5238\uff0c\u7d44\u6210\u5168\u7403\u6700\u5927\u7684\u91d1\u878d\u670d\u52d9\u6a5f\u69cb\u2500\u2500\u2500\u9019\u662f\u4e00\u4ef6\u64bc\u52d5\u5168\u7403\u8ca1\u7d93\u754c\u7684\u5927\u4e8b\u3002\u7576\u6642\u7f8e\u6797\u516c\u53f8\u6b63\u9762\u81e8\u5012\u9589\uff0c\u9019\u9805\u6536\u8cfc\u6709\u6548\u5730\u4f7f\u7f8e\u6797\u516c\u53f8\u514d\u65bc\u7834\u7522\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%8E%A5%E5%8F%97%E7%BE%8E%E6%94%BF%E5%BA%9C%E7%B4%93%E5%9B%B0\"><\/span>\u63a5\u53d7\u7f8e\u653f\u5e9c\u7d13\u56f0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>2009\u5e741\u6708\uff0c\u7f8e\u570b\u653f\u5e9c\u5411\u7f8e\u570b\u9280\u884c\u518d\u6ce8\u8cc7200\u5104\u7f8e\u5143\u8cc7\u91d1\uff0c\u4e26\u70ba\u8a72\u884c\u4e0d\u8d85\u904e1180\u5104\u7f8e\u5143\u7684\u8cc7\u7522\u63d0\u4f9b\u64d4\u4fdd\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%B7%B4%E8%8F%B2%E7%89%B9%E5%92%8C%E7%BE%8E%E5%9C%8B%E9%8A%80%E8%A1%8C\"><\/span>\u5df4\u83f2\u7279\u548c\u7f8e\u570b\u9280\u884c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%B7%B4%E8%8F%B2%E7%89%B9%E5%87%BA%E6%89%8B%E7%9B%B8%E6%95%91\"><\/span>\u5df4\u83f2\u7279\u51fa\u624b\u76f8\u6551<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u56e0\u70ba\u767e\u5e74\u96e3\u898b\u7684\u91d1\u878d\u6d77\u562f\u5f8c\u5e7e\u5e74\uff0c\u56e0\u70ba\u6b50\u50b5\u5371\u6a5f\u5f15\u767c\u5168\u7403\u4e00\u9023\u4e32\u7684\u91d1\u878d\u5371\u6a5f\uff0c\u7f8e\u570b\u9280\u884c\u51fa\u73fe\u6d41\u52d5\u6027\u5371\u6a5f\u3002\u7576\u6642\uff0c\u7531\u65bc\u5371\u6a5f\u53ca\u5176\u5c0d Countrywide Financial \u7684\u707d\u96e3\u6027\u6536\u8cfc\u800c\u5f15\u767c\u7684\u7121\u4f11\u7121\u6b62\u7684\u6cd5\u5f8b\u56f0\u5883\uff0c\u7f8e\u570b\u9280\u884c\u7684\u80a1\u50f9\u5927\u5e45\u4e0b\u8dcc\u3002\u5176\u4ed6\u554f\u984c\uff0c\u4f8b\u5982\u6b50\u6d32\u4e00\u9023\u4e32\u7684\u4e3b\u6b0a\u50b5\u52d9\u5371\u6a5f\u4ee5\u53ca\u5c0d\u7f8e\u570b\u50b5\u52d9\u9055\u7d04\u7684\u64d4\u6182\uff0c\u57fa\u672c\u4e0a\u8d85\u51fa\u4e86\u8a72\u516c\u53f8\u7684\u63a7\u5236\u7bc4\u570d\u3002<\/p>\n\n\n\n<p>\u8feb\u4e0d\u5f97\u5df2\uff0c\u7f8e\u570b\u9280\u884c\u53ea\u597d\u6c42\u52a9\u65bc\u6ce2\u514b\u590f\u30022011\u5e74\uff0c\u5df4\u83f2\u7279\u7684\u6ce2\u514b\u590f\u6d77\u745f\u5a01\u516c\u53f8\u900f\u904e\u512a\u5148\u80a1\u5411\u7f8e\u570b\u9280\u884c\u6295\u8cc7\u4e8650\u5104\u7f8e\u5143\uff0c\u5e6b\u52a9\u9019\u5bb6\u7576\u6642\u9677\u5165\u56f0\u5883\u7684\u5927\u578b\u9280\u884c\u7c4c\u96c6\u8cc7\u91d1\u4ee5\u6539\u5584\u5176\u8cc7\u7522\u8ca0\u50b5\u8868\u3002\u76ee\u524d\u7f8e\u570b\u9280\u884c\u5df2\u7d93\u89e3\u6c7a\u4e86\u5371\u6a5f\u6642\u671f\u7684\u5927\u90e8\u5206\u8a34\u8a1f\uff0c\u4e26\u589e\u5f37\u4e86\u5176\u8cc7\u672c\u72c0\u6cc1\u3002<\/p>\n\n\n\n<p>\u9019\u9805\u6295\u8cc7\u7684\u4eae\u9ede\u4e0d\u50c5\u662f\u5df4\u83f2\u7279 50 \u5104\u7f8e\u5143\u6295\u8cc7\u6240\u5e36\u4f86\u7684 6% \u7684\u8c50\u539a\u56de\u5831\uff08\u6bcf\u5e74 3 \u5104\u7f8e\u5143\u7684\u80a1\u5229\uff09\u3002\u5b83\u9084\u9644\u5e36\u8a8d\u80a1\u6b0a\u8b49\uff0c\u53ef\u4ee5\u4ee5 50 \u5104\u7f8e\u5143\uff08\u5373\u6bcf\u80a1 7.14 \u7f8e\u5143\uff09\u8cfc\u8cb7 7 \u5104\u80a1\u7f8e\u570b\u9280\u884c\u80a1\u7968\uff0c\u5927\u81f4\u76f8\u7576\u65bc\u8a72\u9280\u884c\u7576\u6642\u80a1\u7968\u7684\u5e02\u5834\u50f9\u683c\u3002\u884c\u4f7f\u671f\u70ba10\u5e74\uff0c\u5373\u4ee3\u8868\u6ce2\u514b\u590f\u6700\u591a\u53ef\u5411\u7f8e\u9280\u6ce8\u5165100\u5104\u7f8e\u5143\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%B7%B4%E8%8F%B2%E7%89%B9%E5%B0%8D%E7%BE%8E%E5%9C%8B%E9%8A%80%E8%A1%8C%E7%9A%84%E7%9C%8B%E6%B3%95\"><\/span>\u5df4\u83f2\u7279\u5c0d\u7f8e\u570b\u9280\u884c\u7684\u770b\u6cd5<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>2023\u5e74\uff0c\u5728\u6ce2\u514b\u590f\u7684\u80a1\u6771\u6703\u4e0a\uff0c\u5df4\u83f2\u7279\u8ac7\u53ca\u70ba\u4ec0\u9ebc\u4e00\u76f4\u6301\u5009\u7f8e\u570b\u9280\u884c\u6642\u8868\u793a\uff0c\u300c\u6211\u559c\u6b61\u7f8e\u570b\u9280\u884c\uff0c\u559c\u6b61\u4ed6\u5011\u7684\u7ba1\u7406\u3002\u300d<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%B3%A2%E5%85%8B%E5%A4%8F%E6%8C%81%E6%9C%89%E7%9A%84%E9%83%A8%E4%BD%8D\"><\/span>\u6ce2\u514b\u590f\u6301\u6709\u7684\u90e8\u4f4d<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u7f8e\u570b\u9280\u884c\u662f\u6ce2\u514b\u590f\u6d77\u745f\u5a01\u7684\u7b2c\u4e8c\u5927\u80a1\u7968\u6295\u8cc7\uff0c\u7f8e\u570b\u9280\u884c\u4f54\u6ce2\u514b\u590f\u6d77\u745f\u5a01\u6295\u8cc7\u7d44\u5408\u768410.6%\u3002\u622a\u81f32024\u5e74\u7b2c\u4e00\u5b63\u70ba\u6b62\uff0c\u6ce2\u514b\u590f\u64c1\u6709\u7f8e\u570b\u9280\u884c10.32\u5104\u80a1\u80a1\u7968\uff0c\u4f54\u9019\u5bb6\u5927\u578b\u9280\u884c13.1%\u7684\u80a1\u4efd\u3002<\/p>\n\n\n\n<p>\u5df4\u83f2\u72792022\u5e74\u5927\u5e45\u6e1b\u6301\u6ce2\u514b\u590f\u6240\u6301\u6709\u7684\u9280\u884c\u80a1\uff0c\u9664\u4e86\u7f8e\u570b\u9280\u884c\u9084\u5728\u5176\u80a1\u7968\u6295\u8cc7\u7d44\u5408\u7684\u7b2c\u4e8c\u540d\u5916\uff08\u50c5\u6b21\u65bc\u860b\u679c\u516c\u53f8\uff09\uff0c\u5176\u4ed6\u9280\u884c\u80a1\u90fd\u5df2\u9010\u6f38\u9000\u51fa\u524d\u5341\u540d\u7684\u91cd\u5009\u540d\u55ae\u4e2d\u4e86\u3002<\/p>\n\n\n\n<p>\u5df4\u83f2\u7279\u4e0d\u50c5\u6c92\u6709\u6e1b\u6301\u7f8e\u570b\u9280\u884c\uff0c\u6ce2\u514b\u590f\u9084\u6301\u7e8c\u52a0\u78bc\u9019\u5bb6\u9280\u884c\u6240\u6301\u6709\u7684\u90e8\u4f4d\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%85%AC%E5%8F%B8%E7%9A%84%E7%87%9F%E9%81%8B%E9%83%A8%E9%96%80\"><\/span>\u516c\u53f8\u7684\u71df\u904b\u90e8\u9580<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u7f8e\u570b\u9280\u884c 90% \u7684\u6536\u5165\u4f86\u81ea\u570b\u5167\u5e02\u5834\u3002\u7f8e\u570b\u9280\u884c\u7b56\u7565\u7684\u6838\u5fc3\u662f\u6210\u70ba\u570b\u5167\u5e02\u5834\u7b2c\u4e00\u9280\u884c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%80%8B%E4%BA%BA%E9%8A%80%E8%A1%8C%E6%A5%AD%E5%8B%99\"><\/span>\u500b\u4eba\u9280\u884c\u696d\u52d9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u7f8e\u570b\u9280\u884c\u6d88\u8cbb\u8005\u9280\u884c\uff08Consumer Banking\uff09\u696d\u52d9\u662f\u8a72\u516c\u53f8\u6700\u5927\u7684\u90e8\u9580\uff0c\u70ba\u6d88\u8cbb\u8005\u548c\u5c0f\u578b\u4f01\u696d\u63d0\u4f9b\u91d1\u878d\u670d\u52d9\uff0c\u5305\u62ec\u9280\u884c\u3001\u6295\u8cc7\u3001\u5546\u696d\u670d\u52d9\u4ee5\u53ca\u5546\u696d\u8cb8\u6b3e\u3001\u62b5\u62bc\u8cb8\u6b3e\u548c\u4fe1\u7528\u5361\u7b49\u8cb8\u6b3e\u7522\u54c1\u3002 2016\u5e74\uff0c\u6d88\u8cbb\u8005\u9280\u884c\u90e8\u9580\u5360\u516c\u53f8\u7e3d\u6536\u5165\u768438 % \u3002\u6b64\u5916\uff0c\u8a72\u516c\u53f8\u9084\u662f\u4e00\u5bb6\u62b5\u62bc\u8cb8\u6b3e\u670d\u52d9\u5546\u3002<\/p>\n\n\n\n<p>\u5b83\u4e3b\u8981\u8207\u7f8e\u570b\u5176\u4ed6\u4e09\u5927\u9280\u884c\u7684\u96f6\u552e\u9280\u884c\u90e8\u9580\u7af6\u722d\uff1a\u82b1\u65d7\u96c6\u5718\u3001\u6469\u6839\u5927\u901a\u548c\u5bcc\u570b\u9280\u884c\u3002\u6d88\u8cbb\u8005\u9280\u884c\u696d\u52d9\u7d44\u7e54\u5305\u62ec 4,600 \u591a\u500b\u96f6\u552e\u91d1\u878d\u4e2d\u5fc3\u548c\u7d04 15,900 \u53f0\u81ea\u52d5\u6ac3\u54e1\u6a5f\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%85%A8%E7%90%83%E9%8A%80%E8%A1%8C%E9%83%A8%E9%96%80\"><\/span>\u5168\u7403\u9280\u884c\u90e8\u9580<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5168\u7403\u9280\u884c\uff08Global Banking\uff09\u90e8\u9580\u63d0\u4f9b\u9280\u884c\u670d\u52d9\uff0c\u5305\u62ec\u6295\u8cc7\u9280\u884c\u548c\u4f01\u696d\u8cb8\u6b3e\u7522\u54c1\u3002\u5b83\u5305\u62ec\u5168\u7403\u4f01\u696d\u9280\u884c\u696d\u52d9\u3001\u5168\u7403\u5546\u696d\u9280\u884c\u696d\u52d9\u3001\u5546\u696d\u9280\u884c\u696d\u52d9\u548c\u5168\u7403\u6295\u8cc7\u9280\u884c\u696d\u52d9\u3002\u8a72\u90e8\u9580\u5360\u516c\u53f8 2016 \u5e74\u6536\u5165\u7684 22% \u3002<\/p>\n\n\n\n<p>\u8a72\u9280\u884c\u7684\u6295\u8cc7\u9280\u884c\u696d\u52d9\u7531\u7f8e\u6797\u5b50\u516c\u53f8\u7d93\u71df\uff0c\u63d0\u4f9b\u4f75\u8cfc\u8aee\u8a62\u3001\u627f\u92b7\u3001\u8cc7\u672c\u5e02\u5834\u4ee5\u53ca\u56fa\u5b9a\u6536\u76ca\u548c\u80a1\u7968\u5e02\u5834\u7684\u92b7\u552e\u548c\u4ea4\u6613\u3002\u5176\u6700\u5f37\u5927\u7684\u985e\u5225\u5305\u62ec\u69d3\u687f\u878d\u8cc7\u3001\u9280\u5718\u8cb8\u6b3e\u548c\u62b5\u62bc\u8cb8\u6b3e\u652f\u6301\u8b49\u5238\u3002\u5b83\u9084\u64c1\u6709\u83ef\u723e\u8857\u6700\u5927\u7684\u7814\u7a76\u5718\u968a\u4e4b\u4e00\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%B2%A1%E5%AF%8C%E8%88%87%E6%8A%95%E8%B3%87%E7%AE%A1%E7%90%86\"><\/span>\u8ca1\u5bcc\u8207\u6295\u8cc7\u7ba1\u7406<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u8ca1\u5bcc\u8207\u6295\u8cc7\u7ba1\u7406\uff08Wealth and Investment Management\uff09\u5305\u62ec\u7f8e\u6797\u5168\u7403\u8ca1\u5bcc\u7ba1\u7406\u516c\u53f8\u548c\u7f8e\u570b\u4fe1\u8a17\u516c\u53f8\u7684\u696d\u52d9\uff0c\u4f54\u8a72\u516c\u53f82016\u5e74\u7e3d\u6536\u5165\u768421 % \u3002\u5b83\u64c1\u6709\u8d85\u904e 2.5 \u5146\u7f8e\u5143\u7684\u5ba2\u6236\u9918\u984d\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%85%A8%E7%90%83%E5%B8%82%E5%A0%B4\"><\/span>\u5168\u7403\u5e02\u5834<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5168\u7403\u5e02\u5834\uff08Global Markets\uff09\u90e8\u9580\u70ba\u6a5f\u69cb\u5ba2\u6236\u63d0\u4f9b\u670d\u52d9\uff0c\u5305\u62ec\u91d1\u878d\u8b49\u5238\u4ea4\u6613\u3002\u8a72\u90e8\u9580\u63d0\u4f9b\u7814\u7a76\u548c\u5176\u4ed6\u670d\u52d9\uff0c\u4f8b\u5982\u8b49\u5238\u670d\u52d9\u3001\u505a\u5e02\u5546\u548c\u4f7f\u7528\u884d\u751f\u6027\u5546\u54c1\u7684\u98a8\u96aa\u7ba1\u7406\u3002\u8a72\u90e8\u9580\u5360\u516c\u53f8 2016 \u5e74\u7e3d\u6536\u5165\u7684 19% \u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%B2%A1%E5%A0%B1%E8%A1%A8%E7%8F%BE\"><\/span>\u8ca1\u5831\u8868\u73fe<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2024%E5%B9%B4%E7%AC%AC%E4%B8%80%E5%AD%A3%E8%B2%A1%E5%A0%B1\"><\/span>2024\u5e74\u7b2c\u4e00\u5b63\u8ca1\u5831<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>2024\u5e74\u7b2c\u4e00\u5b63\uff0c\u71df\u6536\u548c\u6de8\u5229\u5747\u8f032023\u5e74\u4e0b\u964d\uff0c\u4fe1\u8cb8\u640d\u5931\u6e96\u5099\u91d1\u5f9e\u7b2c\u56db\u5b63\u7684 11 \u5104\u7f8e\u5143\u63d0\u9ad8\u81f3 13 \u5104\u7f8e\u5143\uff0c\u4e26\u4e14\u660e\u986f\u9ad8\u65bc 2023 \u5e74\u7b2c\u4e00\u5b63 9.31 \u5104\u7f8e\u5143\u7684\u7e3d\u640d\u5931\u6e96\u5099\u91d1\u3002\u7b2c\u4e00\u5b63\u6de8\u5229\u6f64\u4e5f\u5f9e\u6bcf\u80a1 0.94 \u7f8e\u5143\u4e0b\u6ed1\u81f3\u50c5 0.83 \u7f8e\u5143\uff0c\u51f8\u986f\u4e86\u8a72\u516c\u53f8\u548c\u884c\u696d\u7576\u524d\u7684\u9006\u98a8\u3002\u6709\u5f62\u666e\u901a\u80a1\u56de\u5831\u7387\uff08ROTCE\uff09\u5f9e\u53bb\u5e74\u768417.4%\u4e0b\u964d\u81f3\u4eca\u5e74\u768412.7%\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%80%9A%E8%86%A8%E5%92%8C%E6%99%AF%E6%B0%A3%E7%9A%84%E5%BD%B1%E9%9F%BF\"><\/span>\u901a\u81a8\u548c\u666f\u6c23\u7684\u5f71\u97ff<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u90e8\u5206\u539f\u56e0\u662f\u53bb\u5e74\u5e7e\u5bb6\u9280\u884c\u5012\u9589\u7684\u76f8\u95dc\u6307\u63a7\uff0c\u53e6\u5916\u662f\u8207\u901a\u8ca8\u81a8\u8139\u548c\u9ad8\u5229\u7387\u7684\u5f71\u97ff\u8f03\u9ad8\u7684\u5229\u7387\u6709\u95dc\u3002\u9ad8\u5229\u7387\u610f\u5473\u8457\u8cb8\u6b3e\u5be9\u6279\u6e1b\u5c11\u3001\u9055\u7d04\u7387\u4e0a\u5347\u4ee5\u53ca\u96f6\u552e\u5b58\u6b3e\u652f\u4ed8\u7684\u5229\u606f\u589e\u52a0\u3002\u4f46\u4e5f\u6709\u6b63\u5411\u7684\u5e6b\u52a9\uff0c\u4f8b\u5982\u8cb8\u6b3e\u5229\u606f\u63d0\u9ad8\u3002\u7d93\u6fdf\u666f\u6c23\u4e0d\u4f73\u8868\u793a\u6d41\u901a\u8cc7\u91d1\u6e1b\u5c11\uff0c\u9019\u4e5f\u662f\u806f\u6e96\u6703\u76ee\u7684\uff1a\u7d66\u98c6\u5347\u7684\u7d93\u6fdf\u8e29\u524e\u8eca\u4e26\u964d\u4f4e\u901a\u81a8\u3002<\/p>\n\n\n\n<p>\u7f8e\u570b\u9280\u884c\u6700\u8fd1\u7684\u8a31\u591a\u52dd\u5229\u90fd\u8aaa\u660e\u4e86\u5176\u97cc\u6027\uff0c\u4ee5\u53ca\u5b83\u5982\u4f55\u5229\u7528\u7576\u524d\u7684\u5b8f\u89c0\u7d93\u6fdf\u4f86\u767c\u5c55\u696d\u52d9\u4e26\u70ba\u81ea\u5df1\u7684\u9577\u671f\u5b9a\u4f4d\u3002\u7b2c\u4e00\u5b63\u65b0\u589e245,000\u500b\u6d88\u8cbb\u8005\u5e33\u6236\u548c\u8d85\u904e100\u842c\u5f35\u4fe1\u7528\u5361\uff0c\u4ee5\u53ca29,000\u500b\u5168\u7403\u8ca1\u5bcc\u548c\u6295\u8cc7\u7ba1\u7406\u5e33\u6236\u3002\u5b83\u9084\u4f54\u64da\u4e86\u5168\u7403\u9280\u884c\u696d\u7684\u5e02\u5834\u4efd\u984d\uff0c\u7b2c\u4e00\u5b63\u7684\u5e33\u6236\u6578\u91cf\u6bd4\u53bb\u5e74\u540c\u671f\u589e\u52a0\u4e86 25%\u3002<\/p>\n\n\n\n<p>\u7531\u65bc\u56b4\u683c\u7684\u6210\u672c\u7ba1\u7406\uff0c\u8cbb\u7528\u6210\u9577\u4f4e\u65bc\u901a\u8ca8\u81a8\u8139\u7387\uff0c\u6de8\u5229\u606f\u6536\u5165\u9054\u5230142\u5104\u7f8e\u5143\uff0c\u8d85\u51fa\u4e86\u9810\u671f\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%B3%87%E6%9C%AC%E5%B8%82%E5%A0%B4%E7%9A%84%E8%A1%A8%E7%8F%BE\"><\/span>\u8cc7\u672c\u5e02\u5834\u7684\u8868\u73fe<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%BC%B0%E5%80%BC%E4%BE%BF%E5%AE%9C\"><\/span>\u4f30\u503c\u4fbf\u5b9c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u672c\u76ca\u6bd4\u50c5\u70ba\u4eca\u5e74\u9810\u8a08\u6bcf\u80a1\u6536\u76ca\u7684 12 \u500d\u5de6\u53f3\u3002\u4ee5\u7f8e\u570b\u9280\u884c\u9019\u7a2e\u85cd\u7c4c\u80a1\u800c\u8a00\uff0c\u672a\u4f86\u80fd\u9577\u671f\u4fdd\u6301\u5982\u6b64\u4fbf\u5b9c\u7684\u50f9\u683c\u7684\u6a5f\u7387\u5f88\u4f4e\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%82%A1%E5%88%A9\"><\/span>\u80a1\u5229<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u7f8e\u570b\u9280\u884c\u7684\u672a\u4f86\u80a1\u5229\u6536\u76ca\u7387\u70ba2.4%\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%82%A1%E5%83%B9%E8%A1%A8%E7%8F%BE\"><\/span>\u80a1\u50f9\u8868\u73fe<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u622a\u81f32024\u5e74\u516d\u6708\u5e95\u70ba\u6b62\uff0c\u7f8e\u570b\u9280\u884c\u7684\u80a1\u50f9\uff0c\u4ecd\u8f03\u9ad8\u9ede\u4e0b\u8dcc\u4e8616%\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"480\" height=\"49\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2024\/06\/bac.png\" alt=\"\u7f8e\u570b\u9280\u884c\" class=\"wp-image-52615\" srcset=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2024\/06\/bac.png 480w, https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2024\/06\/bac-300x31.png 300w\" sizes=\"auto, (max-width: 480px) 85vw, 480px\" \/><figcaption class=\"wp-element-caption\">credit: Wiki<\/figcaption><\/figure>\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>\u7f8e\u570b\u9280\u884c\uff08Bank of America\uff0c\u7f8e\u80a1\u4ee3\u78bc\uff1aBAC\uff09\u662f\u7531\u570b\u5bb6\u9280\u884c\uff08NationsBank\uff09\u548c\u7f8e\u570b\u9280\u884c\uff08Bank of America\uff09\u65bc1998\u5e74\u5408\u4f75\u800c\u6210\uff0c\u662f\u7f8e\u570b\u7b2c\u4e8c\u5927\u9280\u884c\u6a5f\u69cb\uff0c\u4e5f\u662f\u5168\u7403\u5e02\u503c\u7b2c\u4e8c\u5927\u9280\u884c\uff0c\u5747\u50c5\u6b21\u65bc\u6469\u6839\u5927\u901a\u3002\u7f8e\u570b\u9280\u884c\u662f\u7f8e\u570b\u56db\u5927\u9280\u884c\u6a5f\u69cb\u4e4b\u4e00\u3002<\/p>\n","protected":false},"author":1,"featured_media":52615,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[565,331,632,330],"tags":[392,114,1459,257,561,216,120,380],"class_list":["post-49755","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bank","category-commercial-finance","category-investment-banks","category-consumer-finance","tag-bac","tag-c","tag-ccb","tag-gs","tag-jpm","tag-ma","tag-v","tag-wfc"],"_links":{"self":[{"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/posts\/49755","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/comments?post=49755"}],"version-history":[{"count":7,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/posts\/49755\/revisions"}],"predecessor-version":[{"id":73958,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/posts\/49755\/revisions\/73958"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/media\/52615"}],"wp:attachment":[{"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/media?parent=49755"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/categories?post=49755"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/tags?post=49755"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}