{"id":58576,"date":"2026-01-13T23:56:00","date_gmt":"2026-01-13T15:56:00","guid":{"rendered":"https:\/\/www.granitefirm.com\/blog\/?p=58576"},"modified":"2026-02-15T10:59:13","modified_gmt":"2026-02-15T02:59:13","slug":"%e5%a4%9a%e5%b0%91%e9%80%80%e4%bc%91%e9%87%91%e6%89%8d%e5%a4%a0%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.granitefirm.com\/blog\/blog\/2026\/01\/13\/%e5%a4%9a%e5%b0%91%e9%80%80%e4%bc%91%e9%87%91%e6%89%8d%e5%a4%a0%ef%bc%9f\/","title":{"rendered":"\u591a\u5c11\u9000\u4f11\u91d1\u624d\u5920\uff1f"},"content":{"rendered":"\n<p>\u6211\u57282021\u5e749\u6708\uff0c\u6240\u5beb\u7684\u4e00\u7bc7\u8cbc\u6587\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/24\/%E5%B0%88%E8%81%B7%E6%8A%95%E8%B3%87%E4%BA%BA\/\">\u5c08\u8077\u6295\u8cc7\u4eba\u7684\u751f\u6d3b\uff0c\u4e0d\u5982\u60a8\u6240\u60f3\u7684\u611c\u610f<\/a>\u300b\u4e2d\u63d0\u904e\u6211\u5c0d\u53f0\u7063\u4eba\u9000\u4f11\u91d1\u6578\u5b57\u7684\u770b\u6cd5\u3002\u8acb\u6ce8\u610f\uff0c\u9019\u6b63\u597d\u662f\u5728\u6700\u8fd1\u4e09\u5e74\u5168\u7403\u901a\u81a8\u524d\u7684\u6578\u5b57\u548c\u770b\u6cd5\uff0c\u5728\u6b64\u6284\u9304\u4e00\u4e0b\u9019\u6bb5\u5167\u5bb9\u3002<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 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\/2026\/01\/13\/%e5%a4%9a%e5%b0%91%e9%80%80%e4%bc%91%e9%87%91%e6%89%8d%e5%a4%a0%ef%bc%9f\/#%E8%B2%A1%E5%8B%99%E6%BA%96%E5%82%99\" >\u8ca1\u52d9\u6e96\u5099<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2026\/01\/13\/%e5%a4%9a%e5%b0%91%e9%80%80%e4%bc%91%e9%87%91%e6%89%8d%e5%a4%a0%ef%bc%9f\/#%E4%B8%8A%E7%8F%AD%E6%97%8F%E7%9A%84%E6%9C%9F%E6%9C%9B\" >\u4e0a\u73ed\u65cf\u7684\u671f\u671b<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2026\/01\/13\/%e5%a4%9a%e5%b0%91%e9%80%80%e4%bc%91%e9%87%91%e6%89%8d%e5%a4%a0%ef%bc%9f\/#%E6%94%BF%E5%BA%9C%E7%B5%A6%E7%9A%84%E6%95%B8%E5%AD%97\" >\u653f\u5e9c\u7d66\u7684\u6578\u5b57<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2026\/01\/13\/%e5%a4%9a%e5%b0%91%e9%80%80%e4%bc%91%e9%87%91%e6%89%8d%e5%a4%a0%ef%bc%9f\/#%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\" >\u76f8\u95dc\u6587\u7ae0<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E8%B2%A1%E5%8B%99%E6%BA%96%E5%82%99\"><\/span><strong>\u8ca1\u52d9\u6e96\u5099<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u60a8\u9700\u8981\u6709\u8db3\u5920\u9000\u4f11\u7684\u6295\u8cc7\u7d44\u5408\u5927\u5c0f\uff1a\u5728\u53f0\u7063\uff0c\u524d\u63d0\u662f\u6c92\u6709\u4efb\u4f55\u5f62\u5f0f\u7684\u8ca0\u50b5\uff0c\u6709\u81ea\u6709\u7684\u4f4f\u5b85\uff0c\u4e0d\u9700\u79df\u623f\uff0c\u8eab\u9ad4\u5065\u5eb7\uff0c\u4e0d\u9700\u82b1\u9322\u8058\u4eba\u5168\u5929\u5019\u7167\u6599\u751f\u6d3b\u8d77\u5c45\u3002\u6211\u500b\u4eba\u8a8d\u70ba\u300c\u55ae\u8eab\u8005\u6de8\u8cc7\u7522\u300d\u81f3\u5c11\u8981\u6709\u65b0\u53f0\u5e63800\u842c\u5143\uff0828.8\u842c\u7f8e\u91d1\uff09\uff0c\u7576\u7136\u9019\u662f\u4ee52021\u5e74\u4f30\u8a08\u5f97\u51fa\u7684\u300c\u6700\u4f4e\u7684\u7269\u617e\u8981\u6c42\u300d\uff0e<strong><em>\u6211\u8981\u5f37\u8abf\u9019\u662f\u300e\u6700\u4f4e\u7684\u7269\u617e\u8981\u6c42\u300f\uff0c\u4e5f\u5c31\u662f\u8207\u4e16\u7121\u722d\uff0c\u4e0d\u904e\u554f\u4e16\u4e8b\uff1b\u53ea\u4fdd\u6709\u300c\u6700\u7c21\u55ae\u4e14\u53ea\u662f\u57fa\u672c\u7684\u300d\u8863\u98df\u4f4f\u884c\u5a1b\u6a02\uff0c\u4e5f\u5c31\u662f\u4e00\u822c\u4eba\u6240\u8b02\u7121\u804a\u7684\u9000\u4f11\u8001\u5e74\u4eba\u7684\u751f\u6d3b<\/em><\/strong>\u3002<\/p>\n\n\n\n<p>\u722d\u8ad6\u9019\u500b\u6578\u5b57\u5920\u4e0d\u5920\u6c92\u610f\u7fa9\uff0c\u56e0\u70ba\u6bcf\u500b\u4eba\u7684\u751f\u6d3b\u6c34\u6e96\u8981\u6c42\u4e0d\u540c\uff0e\u5982\u679c\u60a8\u9000\u4f11\u5f8c\u60f3\u6642\u5e38\u74b0\u904a\u4e16\u754c\uff0c\u6bcf\u5e74\u51fa\u570b\u4e09\u4e94\u8d9f\uff0c\u6642\u5e38\u5403\u5927\u9910\uff0c\u8c50\u5bcc\u7cbe\u5f69\u7684\u751f\u6d3b\u5167\u5bb9\uff0c\u642c\u53bb\u4f4f\u5e02\u5fc3\u8cb7\u65b0\u623f\uff0c\u9084\u6709\u8cb8\u6b3e\u8981\u4ed8\uff0c\u8981\u6709\u50ad\u4eba\u4f8d\u5019\uff0c\u7576\u7136\u53e6\u7576\u5225\u8ad6\u3002\u524d\u63d0\u662f\u4e0d\u80fd\u751f\u4efb\u4f55\u7684\u5927\u75c5\uff0c\u800c\u4e14\u5fc5\u9808\u8981\u6709\u81ea\u4f4f\u623f\u7522\u3002<strong><em>\u5982\u679c\u975e\u55ae\u8eab\uff0c\u53c8\u6c92\u6709\u81ea\u4f4f\u623f\u7522\u8005\uff0c\u65b0\u53f0\u5e631500\u842c\u5143\u61c9\u8a72\u90fd\u5f88\u5371\u96aa<\/em><\/strong>\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%B8%8A%E7%8F%AD%E6%97%8F%E7%9A%84%E6%9C%9F%E6%9C%9B\"><\/span>\u4e0a\u73ed\u65cf\u7684\u671f\u671b<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>yes123\u6c42\u8077\u7db2\u6307\u51fa\uff0c\u5728\u300c\u2f63\u6d3b\u7121\u865e\u300d\u524d\u63d0\u4e0b\uff0c\u53f0\u7063\u4e0a\u73ed\u65cf\u539f\u672c\u9810\u4f30\u7684\u9000\u4f11\u2fa6\uff0c\u61c9\u8a72\u6e96\u5099<br>\u591a\u5c11\u9322\u5462\uff1f\u8abf\u67e5\u986f\u2f70\uff0c\u5e73\u5747\u2fbc\u9054\u65b0\u53f0\u5e632,623\u842c\u5143\uff1b\u53ef\u60dc\u622a\u2f84\u2f6c\u524d\u70ba\u2f4c\uff0c\u9054\u6210\u7387\u50c5<br>24.8%\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%94%BF%E5%BA%9C%E7%B5%A6%E7%9A%84%E6%95%B8%E5%AD%97\"><\/span>\u653f\u5e9c\u7d66\u7684\u6578\u5b57<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6839\u64da<a href=\"https:\/\/www.dgbas.gov.tw\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u53f0\u7063\u4e3b\u8a08\u7e3d\u8655<\/a>\u516c\u4f48\u76842023\u5e74\u5ea6\u6578\u64da\uff0c\u300c\u5e73\u5747\u6bcf\u2f08\u2f49\u6d88\u8cbb\u2f40\u51fa\u300d\u70ba\u65b0\u53f0\u5e6325,726\u5143\uff1a\u5047\u598260\u6b72\u9000\u4f11\uff0c\u5e73\u5747\u6d3b\u523080\u6b72\uff0c20\u5e74\u958b\u92b7\u63db\u7b97\u4e0b\u4f86\uff0c\u525b\u597d\u7d04\u70ba\u65b0\u53f0\u5e63617\u842c\u5143\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"200\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2024\/10\/expected_pension-Custom.jpg\" alt=\"\u9000\u4f11\u91d1\" class=\"wp-image-58579\" srcset=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2024\/10\/expected_pension-Custom.jpg 200w, https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2024\/10\/expected_pension-Custom-150x150.jpg 150w\" sizes=\"auto, (max-width: 200px) 85vw, 200px\" \/><figcaption class=\"wp-element-caption\">credit:leonardo.ai<\/figcaption><\/figure>\n\n\n\n<h3 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><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2026\/01\/13\/%e5%a4%9a%e5%b0%91%e9%80%80%e4%bc%91%e9%87%91%e6%89%8d%e5%a4%a0%ef%bc%9f\/\">\u591a\u5c11\u9000\u4f11\u91d1\u624d\u5920\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/24\/%E5%B0%88%E8%81%B7%E6%8A%95%E8%B3%87%E4%BA%BA\/\">\u5c08\u8077\u6295\u8cc7\u4eba\u7684\u751f\u6d3b\uff0c\u4e0d\u5982\u60a8\u6240\u60f3\u7684\u611c\u610f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/05\/16\/%e7%84%a1%e5%8f%af%e6%88%96%e7%bc%ba%e7%9a%84%e6%8a%95%e8%b3%87%e6%88%90%e5%8a%9f%e8%a6%81%e7%b4%a0-%e8%80%90%e5%bf%83\/\">\u8010\u5fc3\uff0c\u7121\u53ef\u6216\u7f3a\u76841\u9805\u6295\u8cc7\u6210\u529f\u8981\u7d20<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/18\/%e6%99%82%e9%96%93%e3%80%81%e7%b4%80%e5%be%8b%e5%92%8c%e8%80%90%e5%bf%83%e6%98%af%e6%88%90%e5%8a%9f%e6%8a%95%e8%b3%87%e7%9a%84%e4%b8%89%e5%80%8b%e8%a6%81%e7%b4%a0\/\">\u6642\u9593\u3001\u7d00\u5f8b\u548c\u8010\u5fc3\u662f\u6210\u529f\u6295\u8cc7\u76843\u500b\u8981\u7d20<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/29\/%e6%8a%95%e8%b3%87%e4%ba%ba%e7%9a%84%e5%85%a9%e5%a4%a7%e6%ae%ba%e6%89%8b%e9%80%9a%e8%86%a8%e5%92%8c%e5%88%a9%e7%8e%87\/\">\u6295\u8cc7\u4eba\u7684\u4e09\u5927\u6bba\u624b\uff1a\u901a\u81a8\uff0c\u5229\u7387\uff0c\u548c\u7a05\u8ce6<\/a>\u300b<\/li>\n<\/ul>\n\n\n\n<p><em><strong>\u91cd\u8981\u8072\u660e<\/strong><\/em><\/p>\n\n\n\n<ul 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