{"id":38247,"date":"2023-04-06T11:24:12","date_gmt":"2023-04-06T03:24:12","guid":{"rendered":"https:\/\/valueinmind.co\/?p=38247"},"modified":"2024-01-16T11:54:52","modified_gmt":"2024-01-16T03:54:52","slug":"malaysia-fixed-deposit-fd-best-rate","status":"publish","type":"post","link":"https:\/\/valueinmind.co\/zh\/malaysia-fixed-deposit-fd-best-rate\/","title":{"rendered":"\u99ac\u4f86\u897f\u4e9e2024\u5e741\u6708\u54ea\u4e2a\u94f6\u884c\u5b9a\u671f\u5b58\u6b3eFD\u5229\u7387\u9ad8\uff1f\u5168\u7db2\u6700\u51681\u6708\u5b9a\u671f\u5b58\u6b3e\u512a\u60e0"},"content":{"rendered":"\n<p class=\"has-luminous-vivid-orange-color has-text-color\"><strong>*\u6587\u7ae0\u6700\u5f8c\u66f4\u65b0\u65bc2024\u5e741\u67084\u65e5<\/strong><\/p>\n\n\n\n<p>\u5132\u84c4\u662f\u5bcc\u4eba\u7684\u7fd2\u6163\uff0c\u6295\u8cc7\u662f\u5bcc\u4eba\u7684\u9078\u64c7\u3002\u4e0d\u7ba1\u6536\u5165\u591a\u5c11\uff0c\u6211\u5011\u90fd\u61c9\u8a72\u5b78\u6703\u5132\u84c4\u4ee5\u7a4d\u6522\u672a\u4f86\u7684\u958b\u652f\u6216\u61c9\u5c0d\u7dca\u6025\u60c5\u6cc1\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u6709\u4e00\u7b46\u53ef\u89c0\u7684\u9592\u9322\uff0c\u4f46\u4e0d\u60f3\u5192\u96aa\u6295\u8cc7\uff0c\u61c9\u8a72\u628a\u9322\u653e\u5728\u54ea\u91cc\u5462\uff1f\u5982\u679c\u4f60\u662f\u4e00\u500b\u4f4e\u98a8\u96aa\u6295\u8cc7\u8005\uff0c\u60f3\u5c07\u9019\u7b46\u9322\u653e\u5728\u4e00\u500b\u5b89\u5168\u7684\u5730\u65b9\uff0c\u8cfa\u53d6\u4e00\u5b9a\u7684\u5229\u606f\uff0c\u4e26\u4e14\u4fdd\u8b49\u4e0d\u6703\u640d\u5931\u672c\u91d1\uff0c\u90a3\u9ebc\uff0c\u5b9a\u671f\u5b58\u6b3e\u5c07\u662f\u4e0d\u932f\u7684\u9078\u64c7\u3002<\/p>\n\n\n\n<p>\u9019\u662f\u56e0\u70ba\u5b9a\u671f\u5b58\u6b3e\u662f\u4e00\u7a2e\u5408\u540c\uff0c\u9280\u884c\u6703\u5728\u5408\u540c\u671f\u9650\u7d50\u675f\u6642\u6309\u7167\u5354\u8b70\u7684\u5229\u7387\u6b78\u9084\u672c\u91d1\u548c\u5229\u606f\uff0c\u610f\u5473\u8457\u7576\u521d\u4f60\u5b58\u5165RM10,000\uff0c\u63d0\u6b3e\u6642\u9280\u884c\u8981\u539f\u539f\u672c\u672c\u7684\u628aRM10,000\u518d\u52a0\u4e0a\u5229\u606f\u9084\u7d66\u4f60\u3002<\/p>\n\n\n\n<p>\u7136\u800c\uff0c\u5b9a\u671f\u5b58\u6b3e\u7684\u5229\u7387\u7d93\u5e38\u6703\u96a8\u8457\u9694\u591c\u653f\u7b56\u5229\u7387\uff08Overnight Policy Rate\uff0cOPR\uff09\u800c\u8b8a\u52d5\u3002<\/p>\n\n\n\n<p>\u4ec0\u9ebc\u662fOPR\uff1f<\/p>\n\n\n\n<p>OPR\u662f\u592e\u884c\u6307\u5b9a\u7684\u77ed\u671f\u5229\u7387\uff0c\u4e5f\u662f\u91d1\u878d\u6a5f\u69cb\u6240\u53c3\u8003\u7684\u57fa\u6e96\u5229\u7387\u3002\u56e0\u6b64\uff0c\u592e\u884c\u8abf\u6574OPR\u6703\u5f71\u97ff\u9280\u884c\u7684\u501f\u8cb8\u6210\u672c\u548c\u76c8\u5229\u80fd\u529b\uff0c\u6700\u7d42\u5f71\u97ff\u5b9a\u5b58\u5229\u7387\u3002<\/p>\n\n\n\n<p>2023\u5e749\u67087\u65e5\uff0c\u99ac\u4f86\u897f\u4e9e\u570b\u5bb6\u9280\u884c\uff08BNM\uff09\u5c31\u5ba3\u5e03<a href=\"https:\/\/www.enanyang.my\/%E8%B4%A2%E7%BB%8F%E6%96%B0%E9%97%BB\/%E7%BB%8F%E6%B5%8E%E4%BB%8D%E6%9C%89%E4%B8%8B%E8%A1%8C%E9%A3%8E%E9%99%A9-%E5%9B%BD%E8%A1%8C%E7%BB%B4%E6%8C%81%E5%88%A9%E7%8E%87300\" target=\"_blank\" rel=\"noreferrer noopener\">\u7dad\u6301\u57283%<\/a>\u3002\u7576OPR\u63d0\u9ad8\uff0c\u9280\u884c\u70ba\u4e86\u9700\u8981\u652f\u4ed8\u66f4\u9ad8\u7684\u5229\u7387\u4f86\u501f\u5165\u8cc7\u91d1\uff0c\u5c31\u6703\u6839\u64daOPR\u63d0\u9ad8\u5b58\u6b3e\u5229\u7387\u81f32%-3%\u4ee5\u5438\u5f15\u66f4\u591a\u7684\u5132\u6236\u3002<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ff008c\"><strong>\u63a8\u85a6\u95b2\u8b80\uff1a<a href=\"https:\/\/valueinmind.co\/zh\/why-bank-negara-malaysia-increase-overnight-policy-rate\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u77ad\u89e3\u99ac\u4f86\u897f\u4e9e\u570b\u5bb6\u9280\u884c OPR \u5347\u606f\u3001\u964d\u606f\u5982\u4f55\u5f71\u97ff\u666e\u901a\u4eba\u7684\u623f\u8cb8\u548cFD\u5229\u7387\uff01<\/a><\/strong><\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u77ad\u89e3FD\u7684\u6700\u65b0\u5229\u7387\u662f\u975e\u5e38\u91cd\u8981\u7684\u3002<\/p>\n\n\n\n<p>\u672c\u6587\u5c07\u70ba\u5927\u5bb6\u4ecb\u7d392024\u5e741\u6708\u99ac\u4f86\u897f\u4e9e\u6700\u65b0\u7684\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\u53ca\u512a\u60e0\u6d3b\u52d5\uff0c\u63d0\u4f9b\u4e00\u4e9b\u7372\u5f97\u66f4\u9ad8\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\u7684\u5efa\u8b70\u4ee5\u53ca\u5982\u4f55\u70ba\u4f60\u7684\u5132\u84c4\u7372\u5f97\u6700\u5927\u7684\u6536\u76ca\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>\u76ee\u9304<\/h2><nav><ul><li class=\"\"><a href=\"#\u4ec0\u9ebc\u662ffd\u5b9a\u671f\u5b58\u6b3e\uff1f\">\u4ec0\u9ebc\u662fFD\u5b9a\u671f\u5b58\u6b3e\uff1f<\/a><ul><li class=\"\"><a href=\"#\u5b9a\u671f\u5b58\u6b3efd-vs-\u666e\u901a\u5132\u84c4\u6236\u53e3\">\u5b9a\u671f\u5b58\u6b3eFD VS \u666e\u901a\u5132\u84c4\u6236\u53e3<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u99ac\u4f86\u897f\u4e9e\u6709\u5e7e\u7a2e\u5b9a\u671f\u5b58\u6b3efd\uff1f\">\u99ac\u4f86\u897f\u4e9e\u6709\u5e7e\u7a2e\u5b9a\u671f\u5b58\u6b3eFD\uff1f<\/a><ul><li class=\"\"><a href=\"#\u50b3\u7d71\u5b9a\u671f\u5b58\u6b3e\uff08-conventional-fd\uff09\">\u50b3\u7d71\u5b9a\u671f\u5b58\u6b3e\uff08Conventional FD\uff09<\/a><ul><li class=\"\"><a href=\"#e-fixed-deposit-e-fd\">e-Fixed Deposit (e-FD)<\/a><\/li><li class=\"\"><a href=\"#\u77ed\u671f\u5b9a\u671f\u5b58\u6b3e\">\u77ed\u671f\u5b9a\u671f\u5b58\u6b3e<\/a><\/li><li class=\"\"><a href=\"#\u9577\u671f\u5b9a\u671f\u5b58\u6b3e\">\u9577\u671f\u5b9a\u671f\u5b58\u6b3e<\/a><\/li><li class=\"\"><a href=\"#\u975e\u56fa\u5b9a\u5b9a\u671f\u5b58\u6b3e\uff08-unfixed-deposit\uff09\">\u975e\u56fa\u5b9a\u5b9a\u671f\u5b58\u6b3e\uff08Unfixed deposit\uff09<\/a><\/li><li class=\"\"><a href=\"#\u5229\u606f\u905e\u589e\u5f0f\u5b9a\u671f\u5b58\u6b3e\uff08-step-up-fixed-deposit\uff09\">\u5229\u606f\u905e\u589e\u5f0f\u5b9a\u671f\u5b58\u6b3e\uff08Step-Up Fixed Deposit\uff09<\/a><\/li><li class=\"\"><a href=\"#\u5b9a\u5b58\u7d81\u5b9a\u6d3b\u671f\u5b58\u6b3e\u548c\u5132\u84c4\u5e33\u6236\uff08-current-account-and-savings-account\uff0c-casa-bundling\uff09\">\u5b9a\u5b58\u7d81\u5b9a\u6d3b\u671f\u5b58\u6b3e\u548c\u5132\u84c4\u5e33\u6236\uff08Current Account and Savings Account\uff0cCASA Bundling\uff09<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u4f0a\u65af\u862d\u5b9a\u671f\u5b58\u6b3e\uff08-islamic-fd\uff09\">\u4f0a\u65af\u862d\u5b9a\u671f\u5b58\u6b3e\uff08Islamic FD\uff09<\/a><ul><li class=\"\"><a href=\"#mudharabah-\u5b58\u6b3e\">Mudharabah \u5b58\u6b3e<\/a><\/li><li class=\"\"><a href=\"#murabahah\u5b58\u6b3e\">Murabahah\u5b58\u6b3e<\/a><\/li><li class=\"\"><a href=\"#wakalah\u5b58\u6b3e\">Wakalah\u5b58\u6b3e<\/a><\/li><\/ul><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u54ea\u7a2e\u5b58\u6b3e\u671f\u9650\u9069\u5408\u6211\uff1f\">\u54ea\u7a2e\u5b58\u6b3e\u671f\u9650\u9069\u5408\u6211\uff1f<\/a><ul><li class=\"\"><a href=\"#\u5229\u7387\">\u5229\u7387<\/a><\/li><li class=\"\"><a href=\"#\u8cbb\u7528\">\u8cbb\u7528<\/a><\/li><li class=\"\"><a href=\"#\u7f70\u91d1\u7684\u8a08\u7b97\">\u7f70\u91d1\u7684\u8a08\u7b97<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#2024-\u5e74-1-\u6708\u5404\u5927\u9280\u884cfd\u5229\u7387\">2024\u5e741\u6708\u5404\u5927\u9280\u884cFD\u5229\u7387<\/a><\/li><li class=\"\"><a href=\"#2024-\u5e74-1-\u6708\u9280\u884cfd\u512a\u60e0\">2024\u5e741\u6708\u9280\u884cFD\u512a\u60e0<\/a><\/li><li class=\"\"><a href=\"#\u54ea\u5bb6\u9280\u884cfd\u5229\u7387\u6700\u9ad8\uff1f\">\u54ea\u5bb6\u9280\u884cFD\u5229\u7387\u6700\u9ad8\uff1f<\/a><ul><li class=\"\"><a href=\"#fd\u512a\u60e0\u80cc\u5f8c\u7684\u79d8\u5bc6\u548c\u6f5b\u898f\u5247\">FD\u512a\u60e0\u80cc\u5f8c\u7684\u79d8\u5bc6\u548c\u6f5b\u898f\u5247<\/a><ul><li class=\"\"><a href=\"#\u95dc\u65bc\u65b0\u8cc7-fresh-fund\">\u95dc\u65bc\u65b0\u8cc7Fresh Fund<\/a><\/li><li class=\"\"><a href=\"#\u95dc\u65bc\u512a\u60e0\u5229\u606f\">\u95dc\u65bc\u512a\u60e0\u5229\u606f<\/a><\/li><li class=\"\"><a href=\"#\u95dc\u65bcfd\u5b58\u6b3e\u91d1\u984d\">\u95dc\u65bcFD\u5b58\u6b3e\u91d1\u984d<\/a><\/li><\/ul><\/li><\/ul><\/li><li class=\"\"><a href=\"#fd\u5b9a\u671f\u5b58\u6b3e\u7684\u512a\u9ede\">FD\u5b9a\u671f\u5b58\u6b3e\u7684\u512a\u9ede<\/a><ul><li class=\"\"><a href=\"#1-\u5b89\u5168\u6027\">1.\u5b89\u5168\u6027<\/a><\/li><li class=\"\"><a href=\"#2-\u7a69\u5b9a\u7684\u56de\u5831\">2.\u7a69\u5b9a\u7684\u56de\u5831<\/a><\/li><li class=\"\"><a href=\"#3-\u7c21\u55ae\u6613\u61c2\u7684\u88ab\u52d5\u6536\u5165\">3.\u7c21\u55ae\u6613\u61c2\u7684\u88ab\u52d5\u6536\u5165<\/a><\/li><li class=\"\"><a href=\"#4-\u514d\u7a05\u5229\u606f\">4.\u514d\u7a05\u5229\u606f<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#fd\u5b9a\u671f\u5b58\u6b3e\u7684\u7f3a\u9ede\">FD\u5b9a\u671f\u5b58\u6b3e\u7684\u7f3a\u9ede<\/a><ul><li class=\"\"><a href=\"#1-\u6536\u76ca\u4f4e\uff0c\u4e0d\u8db3\u4ee5\u62b5\u6297\u901a\u8ca8\u81a8\u8139\">1.\u6536\u76ca\u4f4e\uff0c\u4e0d\u8db3\u4ee5\u62b5\u6297\u901a\u8ca8\u81a8\u8139<\/a><\/li><li class=\"\"><a href=\"#2-\u63d0\u6b3e\u53d7\u9650\">2.\u63d0\u6b3e\u53d7\u9650<\/a><\/li><li class=\"\"><a href=\"#3-\u5b58\u6b3e\u91d1\u984d\u53d7\u9650\">3.\u5b58\u6b3e\u91d1\u984d\u53d7\u9650<\/a><\/li><li class=\"\"><a href=\"#4-\u652f\u4ed8\u5229\u606f\u65b9\u5f0f\u55ae\u4e00\">4.\u652f\u4ed8\u5229\u606f\u65b9\u5f0f\u55ae\u4e00<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u5982\u4f55\u8a08\u7b97\u5b9a\u671f\u5b58\u6b3e\u5229\u606f\uff1f\">\u5982\u4f55\u8a08\u7b97\u5b9a\u671f\u5b58\u6b3e\u5229\u606f\uff1f<\/a><ul><li class=\"\"><a href=\"#\u6b65\u9a5f-1-\uff1a\u8a08\u7b97\u5be6\u969b\u5229\u7387\uff08-effective-interest-rate-eir\uff09\">\u6b65\u9a5f1\uff1a\u8a08\u7b97\u5be6\u969b\u5229\u7387\uff08Effective Interest Rate, EIR\uff09<\/a><\/li><li class=\"\"><a href=\"#\u6b65\u9a5f-2-\uff1a\u8a08\u7b97\u5229\u606f\">\u6b65\u9a5f2\uff1a\u8a08\u7b97\u5229\u606f<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u5982\u4f55\u7372\u5f97\u66f4\u9ad8\u7684\u5b9a\u671f\u5b58\u6b3e\u5229\u606f\uff1f\">\u5982\u4f55\u7372\u5f97\u66f4\u9ad8\u7684\u5b9a\u671f\u5b58\u6b3e\u5229\u606f\uff1f<\/a><ul><li class=\"\"><a href=\"#\u6bd4\u8f03\u4e0d\u540c\u9280\u884c\u7684\u5229\u7387\">\u6bd4\u8f03\u4e0d\u540c\u9280\u884c\u7684\u5229\u7387<\/a><\/li><li class=\"\"><a href=\"#\u9078\u64c7\u66f4\u9577\u7684\u5b58\u6b3e\u671f\u9650\">\u9078\u64c7\u66f4\u9577\u7684\u5b58\u6b3e\u671f\u9650<\/a><\/li><li class=\"\"><a href=\"#\u9078\u64c7\u5b58\u5165\u66f4\u591a\u7684\u5b58\u6b3e\">\u9078\u64c7\u5b58\u5165\u66f4\u591a\u7684\u5b58\u6b3e<\/a><\/li><li class=\"\"><a href=\"#\u53c3\u8207\u9280\u884c\u7684fd\u512a\u60e0\">\u53c3\u8207\u9280\u884c\u7684FD\u512a\u60e0<\/a><\/li><li class=\"\"><a href=\"#\u9078\u64c7\u5916\u5e63\u5b9a\u671f\u5b58\u6b3e\u5e33\u6236\">\u9078\u64c7\u5916\u5e63\u5b9a\u671f\u5b58\u6b3e\u5e33\u6236<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u7e3d\u7d50\">\u7e3d\u7d50<\/a><\/li><li class=\"\"><a href=\"#\u5ef6\u4f38\u95b2\u8b80\">\u5ef6\u4f38\u95b2\u8b80<\/a><\/li><li class=\"\"><a href=\"#\u514d\u8cac\u8072\u660e\">\u514d\u8cac\u8072\u660e<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"\u4ec0\u9ebc\u662ffd\u5b9a\u671f\u5b58\u6b3e\uff1f\" style=\"color:#282364\"><strong>\u4ec0\u9ebc\u662fFD\u5b9a\u671f\u5b58\u6b3e\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/04\/featured-image_VIM-FD-1024x538.jpg\" alt=\"\"\/><\/figure>\n\n\n\n<p>\u5b9a\u671f\u5b58\u6b3e\uff08Fixed Deposit, FD\uff09\u7c21\u7a31\u5b9a\u5b58\uff0c\u6216\u7a31\u70ba\u5b9a\u671f\u5b58\u55ae\u6216\u5b9a\u671f\u5b58\u6b3e\u8b49\u66f8\uff0c\u662f\u9280\u884c\u6216\u5176\u4ed6\u91d1\u878d\u6a5f\u69cb\u63d0\u4f9b\u7684\u5132\u84c4\u5e33\u6236\u3002<\/p>\n\n\n\n<p>\u8207\u666e\u901a\u5132\u84c4\u5e33\u6236\u4e0d\u540c\uff0c\u5b9a\u671f\u5b58\u6b3e\u6709\u56fa\u5b9a\u7684\u5b58\u6b3e\u671f\u9650\uff0c\u4e00\u822c\u4e0a\u99ac\u4f86\u897f\u4e9eFD\u7684\u9396\u5b9a\u671f\u662f1\u500b\u6708\u30013\u500b\u6708\u30016\u500b\u6708\u300112\u500b\u6708\u300124\u500b\u6708\u300136\u500b\u6708\u300148\u500b\u6708\u4e0d\u7b49\uff0c\u6700\u9577\u53ef\u4ee5\u5b58\u523060\u500b\u6708\u3002\u5728\u6b64\u671f\u9650\u5167\uff0c\u4f60\u7121\u6cd5\u96a8\u610f\u53d6\u51fa\u6216\u8f49\u79fb\u5b58\u6b3e\u3002\u5982\u679c\u4f60\u5728\u9396\u5b9a\u671f\u5167\u63d0\u524d\u652f\u53d6\u5b9a\u671f\u5b58\u6b3e\uff0c\u53ef\u80fd\u6703\u9762\u81e8\u640d\u5931\u5229\u606f\u7684\u60c5\u6cc1\u3002<\/p>\n\n\n\n<p>\u5728\u5b58\u6b3e\u5230\u671f\u6642\uff0c\u9280\u884c\u5c07\u5411\u4f60\u652f\u4ed8\u672c\u91d1\u548c\u5229\u606f\u3002\u7406\u8ad6\u4e0a\uff0c\u5b58\u6b3e\u7684\u671f\u9650\u8d8a\u9577\uff0c\u5229\u7387\u5c31\u8d8a\u9ad8\u3002\u5132\u6236\u53ef\u4ee5\u6839\u64da\u81ea\u5df1\u7684\u9700\u6c42\u9078\u64c7\u4e0d\u540c\u7684\u5b58\u6b3e\u671f\u9650\uff0c\u4ee5\u9054\u5230\u6700\u512a\u7684\u6295\u8cc7\u6548\u679c\u3002<\/p>\n\n\n\n<p>\u5728\u5b58\u6b3e\u5230\u671f\u5f8c\uff0c\u4f60\u53ef\u4ee5\u9078\u64c7\u5411\u9280\u884c\u7533\u8acb\u81ea\u52d5\u7e8c\u5b58\uff0c\u4ee5\u7701\u53bb\u4e0d\u5fc5\u8981\u7684\u9ebb\u7169\u3002\u4e0d\u904e\uff0c\u81ea\u52d5\u7e8c\u5b58\u53ef\u80fd\u6703\u5c0e\u81f4\u4f60\u7684\u8cc7\u91d1\u7e7c\u7e8c\u4ee5\u7576\u524d\u7684\u4f4e\u5229\u7387\u9032\u884c\u6295\u8cc7\uff0c\u800c\u4e0d\u8003\u616e\u5e02\u5834\u4e0a\u53ef\u80fd\u51fa\u73fe\u7684\u66f4\u9ad8\u5229\u7387\u3002\u9019\u53ef\u80fd\u6703\u5c0e\u81f4\u4f60\u932f\u904e\u66f4\u597d\u7684\u6295\u8cc7\u6a5f\u6703\uff0c\u5f9e\u800c\u6e1b\u5c11\u6f5b\u5728\u7684\u5229\u6f64\u3002\u6b64\u5916\uff0c\u81ea\u52d5\u7e8c\u5b58\u53ef\u80fd\u4e0d\u9069\u5408\u6bcf\u500b\u4eba\uff0c\u56e0\u70ba\u5b83\u7121\u6cd5\u8003\u616e\u5230\u500b\u4eba\u8ca1\u52d9\u72c0\u6cc1\u548c\u6295\u8cc7\u76ee\u6a19\u7684\u5dee\u7570\u3002\u81ea\u52d5\u7e8c\u5b58\u53ef\u80fd\u4e0d\u9069\u5408\u90a3\u4e9b\u9700\u8981\u9748\u6d3b\u53d6\u6b3e\u6216\u91cd\u65b0\u6295\u8cc7\u7684\u6295\u8cc7\u8005\u3002<\/p>\n\n\n\n<p>\u90a3\u9ebc\u5b9a\u671f\u5b58\u6b3e\u548c\u666e\u901a\u5132\u84c4\u6236\u53e3\u6709\u4ec0\u9ebc\u5dee\u5225\u5462\uff1f\u4e0b\u8868\u5c07\u70ba\u4f60\u8b1b\u8ff0\u5169\u8005\u4e4b\u9593\u7684\u5dee\u7570\u9ede\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u5b9a\u671f\u5b58\u6b3efd-vs-\u666e\u901a\u5132\u84c4\u6236\u53e3\" style=\"color:#009bff\"><strong>\u5b9a\u671f\u5b58\u6b3eFD VS \u666e\u901a\u5132\u84c4\u6236\u53e3<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>\n<p><strong><b>\u5b9a\u671f\u5b58\u6b3eFD<\/b><\/strong><\/p>\n<\/td><td>&nbsp;<\/td><td>\n<p><strong><b>\u666e\u901a\u5132\u84c4\u6236\u53e3<\/b><\/strong><\/p>\n<\/td><\/tr><tr><td>\n<p>\u5f9e\u5927\u7b46\u73fe\u91d1\u4e2d\u8cfa\u53d6\u9ad8\u984d\u5229\u606f<\/p>\n<\/td><td>\n<p><strong><b>\u7528\u9014<\/b><\/strong><\/p>\n<\/td><td>\n<p>\u7528\u65bc\u6536\u5165\u5132\u84c4\uff0c\u6e1b\u5c11\u73fe\u91d1\u652f\u51fa<\/p>\n<\/td><\/tr><tr><td>\n<p>\u9ad8<\/p>\n<\/td><td>\n<p><strong><b>\u5229\u606f<\/b><\/strong><\/p>\n<\/td><td>\n<p>\u4f4e<\/p>\n<\/td><\/tr><tr><td>\n<p>\u6709\u56fa\u5b9a\u671f\u9650\u3002\u5230\u671f\u6642\uff0c\u9280\u884c\u5c07\u652f\u4ed8\u672c\u91d1\u548c\u5229\u606f<\/p>\n<\/td><td>\n<p><strong><b>\u9396\u5b9a\u671f<\/b><\/strong><\/p>\n<\/td><td>\n<p>\u7121\uff0c\u53ef\u96a8\u6642\u95dc\u9589\u5e33\u6236<\/p>\n<\/td><\/tr><tr><td>\n<p>RM500-RM10,000<\/p>\n<\/td><td>\n<p><strong><b>\u6700\u4f4e\u5b58\u6b3e\u8981\u6c42<\/b><\/strong><\/p>\n<\/td><td>\n<p>RM20<\/p>\n<\/td><\/tr><tr><td>\n<p>\u4e00\u6b21\u6027\u5b58\u5165\u6240\u6709\u672c\u91d1<\/p>\n<\/td><td>\n<p><strong><b>\u5b58\u6b3e\u983b\u7387<\/b><\/strong><\/p>\n<\/td><td>\n<p>\u7121\u9650\u5236<\/p>\n<\/td><\/tr><tr><td>\n<p>\u5728\u9396\u5b9a\u671f\u7d50\u675f\u9322\u63d0\u6b3e\u5c07\u7d42\u6b62\u5e33\u6236\u4e26\u5931\u53bb\u5229\u606f\u6536\u5165<\/p>\n<\/td><td>\n<p><strong><b>\u63d0\u6b3e<\/b><\/strong><\/p>\n<\/td><td>\n<p>\u7121\u9650\u5236<\/p>\n<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u7c21\u800c\u8a00\u4e4b\uff0cFD\u7684\u5229\u606f\u9ad8\u4f46\u9748\u6d3b\u6027\u4f4e\uff0c\u800c\u666e\u901a\u5132\u84c4\u6236\u53e3\u5229\u606f\u5f88\u4f4e\u4f46\u537b\u5177\u9748\u6d3b\u6027\u3002\u5982\u679c\u4f60\u5c0d\u73fe\u91d1\u6d41\u52d5\u6027\u7684\u8981\u6c42\u5f88\u4f4e\uff0c\u90a3\u9ebc\u628a\u9322\u5b58\u5728\u5b9a\u5b58\u662f\u4e0d\u932f\u7684\u9078\u64c7\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"\u99ac\u4f86\u897f\u4e9e\u6709\u5e7e\u7a2e\u5b9a\u671f\u5b58\u6b3efd\uff1f\" style=\"color:#282364\"><strong>\u99ac\u4f86\u897f\u4e9e\u6709\u5e7e\u7a2e\u5b9a\u671f\u5b58\u6b3eFD\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u60f3\u77ad\u89e3\u5404\u5927\u9280\u884c\u7684\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\uff0c\u9996\u5148\u9700\u8981\u77e5\u9053\u99ac\u4f86\u897f\u4e9e\u7684\u5b9a\u671f\u5b58\u6b3e\u5927\u81f4\u53ef\u5206\u70ba\u4ee5\u4e0b2\u5927\u985e\uff1a<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u50b3\u7d71\u5b9a\u671f\u5b58\u6b3e\uff08-conventional-fd\uff09\" style=\"color:#009bff\"><strong>\u50b3\u7d71\u5b9a\u671f\u5b58\u6b3e\uff08Conventional FD\uff09<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u50b3\u7d71\u7684\u5b9a\u671f\u5b58\u6b3e\u57fa\u65bc\u6295\u8cc7\u671f\u9650\u63d0\u4f9b\u4fdd\u8b49\u6536\u76ca\u7387\u3002\u5b9a\u5b58\u671f\u9650\u901a\u5e38\u5f9e1\u500b\u6708\u523060\u500b\u6708\u4e0d\u7b49\uff0c\u5177\u9ad4\u53d6\u6c7a\u65bc\u9280\u884c\u548c\u7522\u54c1\u3002\u7121\u8ad6\u9280\u884c\u7684\u8868\u73fe\u5982\u4f55\uff0c\u9810\u5b9a\u7684\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\u90fd\u5c07\u5728\u7d04\u5b9a\u7684\u6642\u9593\u5167\u514c\u73fe\uff0c\u78ba\u4fdd\u4f60\u5728\u5230\u671f\u6642\u80fd\u7372\u5f97\u7d04\u5b9a\u7684\u5229\u606f\u3002<\/p>\n\n\n\n<p>\u800c\u50b3\u7d71FD\u53c8\u53ef\u4ee5\u9032\u4e00\u6b65\u5206\u7232\u4ee5\u4e0b6\u985e\uff1a<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-color\" id=\"e-fixed-deposit-e-fd\" style=\"color:#3e3e3e\">e-Fixed Deposit (e-FD)<\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u96a8\u8457\u7dda\u4e0a\u9280\u884c\u4ea4\u6613\u7684\u9032\u6b65\uff0c\u50b3\u7d71\u5b9a\u5b58\u8a95\u751f\u4e86\u4e00\u9805\u65b0\u54c1\u985e\uff1ae-fixed deposit\uff08e-FD\uff09\u3002e-FD\u8207\u50b3\u7d71\u5b9a\u5b58\u4e0d\u540c\uff0c\u4f60\u7121\u9808\u5230\u9280\u884c\u6ac3\u6aaf\u6216\u5206\u884c\uff0c\u800c\u662f\u901a\u904e\u7db2\u4e0a\u5c31\u80fd\u9032\u884c\u958b\u6236\u3001\u67e5\u8a62\u3001\u63d0\u524d\u652f\u53d6\u6216\u81ea\u52d5\u7e8c\u5b58\u3002\u4e0d\u904e\uff0c\u5728\u5229\u7387\u65b9\u9762\u5169\u8005\u4e26\u6c92\u6709\u592a\u5927\u5dee\u7570\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-color\" id=\"\u77ed\u671f\u5b9a\u671f\u5b58\u6b3e\" style=\"color:#3e3e3e\">\u77ed\u671f\u5b9a\u671f\u5b58\u6b3e<\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u6709\u4e00\u500b\u5feb\u901f\u7684\u5132\u84c4\u76ee\u6a19\uff0c\u77ed\u671f\u5b9a\u671f\u5b58\u6b3e\u53ef\u80fd\u662f\u9069\u5408\u4f60\u7684\u9078\u64c7\u3002\u76f8\u8f03\u65bc\u5176\u4ed6\u985e\u578b\uff0c\u77ed\u671f\u5b9a\u671f\u5b58\u6b3e\u901a\u5e38\u671f\u9650\u8f03\u77ed\uff0c\u53ef\u4ee5\u77ed\u81f31\u500b\u6708\u30016\u500b\u6708\u62169\u500b\u6708\uff0c\u8996\u4e4e\u4f60\u7684\u9700\u6c42\u800c\u5b9a\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-color\" id=\"\u9577\u671f\u5b9a\u671f\u5b58\u6b3e\" style=\"color:#3e3e3e\">\u9577\u671f\u5b9a\u671f\u5b58\u6b3e<\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u9577\u671f\u5b9a\u671f\u5b58\u6b3e\u901a\u5e38\u662f\u630712\u500b\u6708\u53ca\u4ee5\u4e0a\u7684\u5b9a\u671f\u5b58\u6b3e\uff0c\u800c\u5728\u99ac\u4f86\u897f\u4e9e\uff0c\u5b9a\u671f\u5b58\u6b3e\u7684\u671f\u9650\u6700\u9577\u53ef\u4ee5\u9054\u52305\u5e74\u3002\u9019\u610f\u5473\u8457\uff0c\u4f60\u5728\u5176\u6709\u6548\u671f\u5167\u5c07\u7121\u6cd5\u53d6\u51fa\u4f60\u7684\u5132\u84c4\u3002\u5982\u679c\u4f60\u4e0d\u9700\u8981\u52d5\u7528\u4f60\u7684\u8cc7\u91d1\uff0c\u4e26\u5e0c\u671b\u7372\u5f97\u66f4\u9ad8\u7684\u5229\u7387\uff0c\u90a3\u9ebc\u9577\u671f\u5b9a\u671f\u5b58\u6b3e\u5c07\u662f\u4e00\u500b\u4e0d\u932f\u7684\u9078\u64c7\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-color\" id=\"\u975e\u56fa\u5b9a\u5b9a\u671f\u5b58\u6b3e\uff08-unfixed-deposit\uff09\" style=\"color:#3e3e3e\">\u975e\u56fa\u5b9a\u5b9a\u671f\u5b58\u6b3e\uff08Unfixed deposit\uff09<\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u975e\u56fa\u5b9a\u5b9a\u5b58\u8207\u666e\u901a\u5b9a\u5b58\u7684\u529f\u7528\u76f8\u4f3c\uff0c\u9700\u8981\u5132\u6236\u5728\u4e00\u5b9a\u671f\u9650\u5185\u5b58\u6b3e\u4ee5\u7372\u5f97\u76f8\u61c9\u7684\u5229\u606f\u3002\u4f46\u8207\u50b3\u7d71\u4e0d\u540c\uff0c\u50b3\u7d71FD\u4e0d\u5141\u8a31\u4e2d\u9014\u63d0\u6b3e\uff0c\u82e5\u9078\u64c7\u63d0\u6b3e\u5247\u5c07\u9762\u81e8\u5229\u606f\u53d6\u6d88\u6216\u7f70\u6b3e\u7684\u4ee3\u50f9\u3002\u800c\u9019\u985eFD\u537b\u5141\u8a31\u5132\u6236\u5728\u5b58\u6b3e\u671f\u9650\u5167\u7684\u4efb\u4f55\u6642\u9593\u9032\u884c\u63d0\u6b3e\uff08\u9808\u7b26\u5408\u689d\u898f\uff0c\u6709\u6642\u5019\u9280\u884c\u6703\u9650\u5236\u53ef\u63d0\u6b3e\u7684\u91d1\u984d\uff09\uff0c\u800c\u4e14\u4e0d\u6703\u5f71\u97ff\u5229\u606f\u3002\u76f8\u8f03\u65bc\u4e00\u822c\u5b9a\u5b58\uff0c\u975e\u56fa\u5b9aFD\u66f4\u5177\u9748\u6d3b\u6027\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-color\" id=\"\u5229\u606f\u905e\u589e\u5f0f\u5b9a\u671f\u5b58\u6b3e\uff08-step-up-fixed-deposit\uff09\" style=\"color:#3e3e3e\">\u5229\u606f\u905e\u589e\u5f0f\u5b9a\u671f\u5b58\u6b3e\uff08Step-Up Fixed Deposit\uff09<\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5229\u606f\u905e\u589e\u5f0f\u5f0f\u5b9a\u671f\u5b58\u6b3e\uff08Step-Up Fixed Deposit\uff09\uff0c\u9867\u540d\u601d\u7fa9\u5c31\u662f\u5b83\u7684\u5b58\u6b3e\u5229\u7387\u6703\u96a8\u8457\u5b58\u6b3e\u671f\u9650\u9010\u6b65\u63d0\u9ad8\u3002<\/p>\n\n\n\n<p>\u4f8b\u5982\uff1a\u4e00\u5bb6\u9280\u884c\u63d0\u4f9b\u4e864\u500b\u4e0d\u540c\u671f\u9650\u7684\u968e\u68af\u5f0f\u5b9a\u671f\u5b58\u6b3e\uff0c\u5206\u5225\u662f\u524d2\u500b\u6708\u5229\u7387\u70ba3%\u3001\u7b2c3-\u7b2c4\u500b\u6708\u70ba3.15%\uff0c\u7b2c5\u500b\u6708\u5229\u7387\u70ba3.24%\uff0c\u7b2c6\u500b\u67086.88%\u3002\u5982\u679c\u4e00\u500b\u4eba\u9078\u64c7\u4e86\u5b58\u6b3e\u671f\u9650\u70ba6\u500b\u6708\uff0c\u90a3\u9ebc\u4ed6\u7684\u5b58\u6b3e\u5229\u7387\u5c07\u5728\u5b58\u6b3e\u671f\u9650\u9010\u6f38\u4e0a\u5347\uff0c\u5f9e3%\u52306.88%\u3002<\/p>\n\n\n\n<p>\u4e0b\u8868\u70ba\u5c0f\u660e\u5728\u968e\u68af\u5f0f\u5b9a\u671f\u5b58\u6b3e\u4e2d\u5b58\u5165RM10,000\u6240\u80fd\u7372\u5f97\u7684\u5229\u606f\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>\n<p><strong><b>\u5b58\u6b3e\u671f\u9650<\/b><\/strong><\/p>\n<\/td><td>\n<p><strong><b>\u7b2c1-2\u500b\u6708<\/b><\/strong><\/p>\n<\/td><td>\n<p><strong><b>\u7b2c3-4\u500b\u6708<\/b><\/strong><\/p>\n<\/td><td>\n<p><strong><b>\u7b2c5\u500b\u6708<\/b><\/strong><\/p>\n<\/td><td>\n<p><strong><b>\u7b2c6\u500b\u6708<\/b><\/strong><\/p>\n<\/td><td>\n<p><strong><b>\u7e3d\u984d<\/b><\/strong><\/p>\n<\/td><\/tr><tr><td>\n<p><strong><b>\u5229\u7387<\/b><\/strong><\/p>\n<\/td><td>\n<p>3.00%<\/p>\n<\/td><td>\n<p>3.15%<\/p>\n<\/td><td>\n<p>3.24%<\/p>\n<\/td><td>\n<p>6.88%<\/p>\n<\/td><td>\n<p>3.73%<\/p>\n<\/td><\/tr><tr><td>\n<p><strong><b>\u5229\u606f\u6536\u76ca<\/b><\/strong><\/p>\n<\/td><td>\n<p>RM49.39<\/p>\n<\/td><td>\n<p>RM52.08<\/p>\n<\/td><td>\n<p>RM26.88<\/p>\n<\/td><td>\n<p>RM56.31<\/p>\n<\/td><td>\n<p>RM184.66<\/p>\n<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u5982\u679c\u4f60\u5728\u56fa\u5b9a\u5229\u606f\u7684\u5b9a\u5b58\u4e2d\u5b58\u9322\uff0c\u4e00\u6a23\u662fRM10,000\uff0c6.88%\u7684\u5229\u7387\uff0c\u9396\u5b9a\u671f\u70ba6\u500b\u6708\uff0c\u4f60\u6240\u80fd\u7372\u5f97\u7684\u5229\u606f\u6536\u76ca\u5c07\u662fRM344\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u63d0\u9192\u4f60\uff0c\u7576\u4f60\u5728\u9078\u64c7\u5b9a\u671f\u5b58\u6b3e\u6642\uff0c\u5343\u842c\u8981\u77ad\u89e3\u5b9a\u5b58\u7684\u985e\u578b\u3002\u4e00\u4e9b\u9280\u884c\u6703\u6253\u84576.88%\u7684\u8d85\u9ad8\u56de\u916c\u4f5c\u70ba\u5671\u982d\uff0c\u6b8a\u4e0d\u77e5\u9019\u662f\u5229\u606f\u905e\u589e\u5f0f\u5b9a\u671f\u5b58\u6b3e\u3002\u9280\u884c\u6240\u627f\u8afe\u76846.88%\u5229\u7387\u53ea\u767c\u751f\u5728\u6700\u5f8c\u4e00\u500b\u6708\uff0c\u5373\u7b2c6\u500b\u6708\u3002\u76f8\u6bd4\u666e\u901a\u7684\u5b9a\u5b58\uff0c\u905e\u589e\u5f0f\u5b9a\u5b58\u6bd4\u8f03\u4e0d\u5212\u7b97\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-color\" id=\"\u5b9a\u5b58\u7d81\u5b9a\u6d3b\u671f\u5b58\u6b3e\u548c\u5132\u84c4\u5e33\u6236\uff08-current-account-and-savings-account\uff0c-casa-bundling\uff09\" style=\"color:#3e3e3e\">\u5b9a\u5b58\u7d81\u5b9a\u6d3b\u671f\u5b58\u6b3e\u548c\u5132\u84c4\u5e33\u6236\uff08Current Account and Savings Account\uff0cCASA Bundling\uff09<\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u9019\u985e\u578b\u7684\u5b9a\u5b58\u8981\u6c42\u5132\u6236\u628a\u4e00\u5b9a\u7684\u8cc7\u91d1\u6295\u5165\u6d3b\u671f\u5b58\u6b3e\u548c\u5132\u84c4\u5e33\u6236\uff08Current Account and Savings Account\uff0cCASA\uff09\u4e4b\u4e2d\u3002<\/p>\n\n\n\n<p>\u4e00\u822c\u4e0a\uff0c\u91dd\u5c0d\u9019\u7a2e\u5b9a\u5b58\u985e\u578b\uff0c\u9280\u884c\u90fd\u6703\u7d66\u4e88\u8f03\u9ad8\u7684\u5229\u7387\u3002\u7136\u800c\uff0c\u7531\u65bc\u9280\u884c\u5c07\u898f\u5b9a\u4f60\u628a\u4e00\u5b9a\u7684\u8cc7\u91d1\u653e\u5230CASA\u6236\u53e3\u4e2d\uff0c\u800cCASA\u7684\u5229\u7387\u76f8\u5c0d\u8f03\u4f4e\uff0c\u9019\u5c07\u5206\u6563\u4f60\u7684\u672c\u91d1\u6240\u80fd\u7372\u5f97\u7684\u5229\u606f\u3002\u7576\u4f60\u5728CASA\u5b58\u5165\u7684\u8cc7\u91d1\u8d8a\u591a\uff0c\u90a3\u9ebc\u4f60\u80fd\u7372\u5f97\u7684\u6709\u6548\u5229\u7387\uff08Effective Interest Rate\uff0cEIR\uff09\u8d8a\u4f4e\u3002<\/p>\n\n\n\n<p>\u8209\u500b\u4f8b\u5b50\uff0cA\u9280\u884c\u63a8\u51fa\u5b9a\u5b586\u500b\u6708\uff0c\u5e74\u5229\u7387\u70ba4.28%\u7684\u512a\u60e0\u3002\u7136\u800c\uff0c\u5132\u6236\u5fc5\u9808\u5c07\u4f60\u5b58\u6b3e\u91d1\u984d\u768450%\u5b58\u5165CASA\u3002\u4e00\u822c\u800c\u8a00\uff0cCASA\u7684\u5229\u7387\u8f03\u4f4e\u3002\u9019\u610f\u5473\u8457\uff0c\u5982\u679c\u4f60\u60f3\u628aRM10,000\u5b58\u5165FD\uff0c\u4f60\u9084\u5fc5\u9808\u628aRM5,000\u5b58\u5165CASA\uff0c\u4f7f\u7e3d\u5b58\u6b3e\u984d\u9054\u5230RM15,000\u3002\u96d6\u7136\u4f60\u4ecd\u7136\u53ef\u4ee5\u8cfa\u53d6\u76f8\u540c\u6578\u984d\u7684\u5229\u606f\uff0c\u4f46\u4f60\u9700\u8981\u5b58\u5165\u66f4\u591a\u7684\u9322\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>&nbsp;<\/td><td>\n<p><strong><b>6\u500b\u6708FD\u5229\u7387<\/b><\/strong><\/p>\n<\/td><td>\n<p><strong><b>6\u500b\u6708CASA\u5229\u7387<\/b><\/strong><\/p>\n<\/td><td>\n<p><strong><b>\u7e3d\u984d<\/b><\/strong><\/p>\n<\/td><\/tr><tr><td>\n<p><strong><b>\u672c\u91d1<\/b><\/strong><\/p>\n<\/td><td>\n<p>RM10,000<\/p>\n<\/td><td>\n<p>RM5,000<\/p>\n<\/td><td>\n<p>RM15,000<\/p>\n<\/td><\/tr><tr><td>\n<p><strong><b>\u5229\u7387<\/b><\/strong><\/p>\n<\/td><td>\n<p>4.28%<\/p>\n<\/td><td>\n<p>0.5%<\/p>\n<\/td><td>\n<p>3.01%<\/p>\n<\/td><\/tr><tr><td>\n<p><strong><b>\u5229\u606f\u6536\u76ca<\/b><\/strong><\/p>\n<\/td><td>\n<p>RM211.76<\/p>\n<\/td><td>\n<p>RM2.50<\/p>\n<\/td><td>\n<p>RM214.25<\/p>\n<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u8a08\u7b97\u4e0b\u4f86\uff0c\u771f\u5be6\u7684\u6709\u6548\u5229\u7387\u70ba\u6bcf\u5e743.01%\uff0c\u6bd4\u5ba3\u50b3\u7684\u4f4e1.27%\u3002<\/p>\n\n\n\n<p>\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u5982\u679c\u4f60\u5728\u56fa\u5b9a\u5229\u606f\u7684\u5b9a\u5b58\u4e2d\u5b58\u9322\uff0c\u4e00\u6a23\u662fRM15,000\uff0c4.28%\u7684\u5229\u7387\uff0c\u9396\u5b9a\u671f\u70ba6\u500b\u6708\uff0c\u4f60\u6240\u80fd\u7372\u5f97\u7684\u5229\u606f\u6536\u76ca\u5c07\u662fRM321\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u5728\u9078\u64c7\u5b9a\u5b58\u6642\uff0c\u5343\u842c\u8b80\u6e05\u695a\u9280\u884c\u5b9a\u5b58\u7684\u689d\u6b3e\u548c\u8981\u6c42\u624d\u4e0d\u6703\u8aa4\u5165\u9677\u9631\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u4f0a\u65af\u862d\u5b9a\u671f\u5b58\u6b3e\uff08-islamic-fd\uff09\" style=\"color:#009bff\"><strong>\u4f0a\u65af\u862d\u5b9a\u671f\u5b58\u6b3e\uff08Islamic FD\uff09<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5728\u9078\u64c7\u5b9a\u671f\u5b58\u6b3e\u6642\uff0c\u4f60\u53ef\u80fd\u6703\u9047\u5230\u4e00\u4e9b\u540d\u5b57\u5f8c\u9762\u5e36\u6709&#8221;-i&#8221;\u7684\u5b9a\u671f\u5b58\u6b3e\uff0c\u4f8b\u5982e-fixed Return Account-i\u3002&#8221;-i&#8221;\u6a19\u793a\u8457\u9019\u662f\u4e00\u7a2e\u4f0a\u65af\u862d\u5b9a\u671f\u5b58\u6b3e\u3002<\/p>\n\n\n\n<p>\u4f0a\u65af\u862d\u5b9a\u671f\u5b58\u6b3e\u8207\u50b3\u7d71\u5b9a\u671f\u5b58\u6b3e\u7684\u5b58\u6b3e\u6a21\u5f0f\u985e\u4f3c\uff0c\u5132\u6236\u9700\u5728\u4e00\u5b9a\u9396\u5b9a\u671f\u8a18\u61b6\u9ad4\u5165\u4e00\u7b46\u56fa\u5b9a\u8cc7\u91d1\u3002\u5169\u8005\u4e4b\u9593\u7684\u4e3b\u8981\u5340\u5225\u5728\u65bc\u5b83\u5011\u9075\u5faa\u7684\u6295\u8cc7\u539f\u5247\u548c\u5229\u6f64\u5206\u4eab\u6a21\u5f0f\u3002<\/p>\n\n\n\n<p>\u6839\u64da\u4f0a\u65af\u862d\u6559\u6cd5\u539f\u5247\uff0c\u6295\u8cc7\u5fc5\u9808\u662f\u57fa\u65bc\u771f\u5be6\u7684\u7d93\u6fdf\u4ea4\u6613\u548c\u516c\u5e73\u7684\u6295\u8cc7\u539f\u5247\u3002\u56e0\u6b64\uff0c\u4f0a\u65af\u862d\u5b9a\u671f\u5b58\u6b3e\u5fc5\u9808\u7b26\u5408\u4f0a\u65af\u862d\u6559\u6cd5\u898f\u5b9a\u7684\u6295\u8cc7\u539f\u5247\uff0c\u4f8b\u5982\u7981\u6b62\u5229\u606f\uff08Riba\uff09\u548c\u7981\u6b62\u4e0d\u78ba\u5b9a\u6027\uff08Gharar\uff09\u7b49\u3002\u6240\u4ee5\uff0c\u5982\u679c\u4f60\u9078\u64c7\u4f0a\u65af\u862dFD\uff0c\u4f60\u6240\u7372\u5f97\u7684\u6536\u76ca\u4e0d\u662f\u5229\u606f\uff0c\u800c\u662f\u79ae\u7269\uff08Hibah\uff09\u3002<\/p>\n\n\n\n<p>\u5c0d\u65bc\u4f0a\u65af\u862d\u5b9a\u671f\u5b58\u6b3e\uff0c\u9280\u884c\u8207\u5ba2\u6236\u4e4b\u9593\u7684\u5408\u540c\u5be6\u969b\u4e0a\u662f\u4e00\u7a2e\u6295\u8cc7\u5408\u540c\u3002\u9280\u884c\u5c07\u5ba2\u6236\u7684\u8cc7\u91d1\u7528\u65bc\u7b26\u5408\u4f0a\u65af\u862d\u6559\u6cd5\u7684\u6295\u8cc7\uff0c\u4f8b\u5982\u623f\u5730\u7522\u3001\u80a1\u7968\u5e02\u5834\u7b49\uff0c\u4e26\u627f\u64d4\u4efb\u4f55\u98a8\u96aa\u548c\u640d\u5931\u3002\u6bcf\u500b\u6708\uff0c\u4f0a\u65af\u862d\u9280\u884c\u90fd\u5c07\u516c\u4f48\u7576\u6708\u5229\u6f64\u4e26\u6309\u7167\u4e00\u5b9a\u6bd4\u4f8b\uff08\u5982\uff1a70\uff1a30\uff09\u8207\u5132\u6236\u5206\u4eab\u5229\u6f64\u3002\u9019\u7a2e\u5229\u6f64\u5206\u4eab\u6a21\u5f0f\u662f\u57fa\u65bc\u98a8\u96aa\u5171\u64d4\u539f\u5247\uff0c\u56de\u5831\u5b8c\u5168\u57fa\u65bc\u9280\u884c\u7684\u696d\u7e3e\uff0c\u9019\u610f\u5473\u8457\u5229\u6f64\u7387\u53ef\u80fd\u6703\u6709\u6240\u4e0d\u540c\u3002\u6240\u4ee5\uff0c\u5373\u4f7f\u9280\u884c\u548c\u4f60\u7d04\u5b9a\u597d\u5229\u606f\u70ba3%\uff0c\u7136\u800c\uff0c\u7576\u9280\u884c\u696d\u7e3e\u597d\uff0c\u5132\u6236\u751a\u81f3\u53ef\u4ee5\u7372\u5f97\u9ad8\u65bc\u9810\u671f\u7684\u5229\u6f64\uff0c\u82e5\u696d\u7e3e\u5dee\uff0c\u5132\u6236\u5247\u9700\u548c\u9280\u884c\u4e00\u8d77\u627f\u64d4\u8667\u640d\u3002\u6240\u4ee5\uff0c\u7576\u4f60\u628a\u8cc7\u91d1\u5b58\u5728\u4f0a\u65af\u862dFD12\u500b\u6708\uff0c\u539f\u5148\u7d04\u5b9a\u7684\u5229\u606f\u6709\u53ef\u80fd\u4e0d\u4f5c\u6578\uff0c\u50c5\u4f9b\u5132\u6236\u53c3\u8003\uff0c\u4f60\u5c07\u6709\u53ef\u80fd\u7372\u5f9712\u500b\u4e0d\u540c\u7684\u5229\u7387\u3002<\/p>\n\n\n\n<p>\u53e6\u4e00\u65b9\u9762\uff0c\u50b3\u7d71\u5b9a\u671f\u5b58\u6b3e\u7684\u5408\u540c\u662f\u57fa\u65bc\u56fa\u5b9a\u7684\u5229\u7387\uff0c\u5ba2\u6236\u5c07\u5b58\u6b3e\u59d4\u8a17\u7d66\u9280\u884c\u4e26\u671f\u5f85\u7372\u5f97\u4e00\u5b9a\u7684\u56fa\u5b9a\u6536\u76ca\uff0c\u800c\u9280\u884c\u5247\u5c07\u8cc7\u91d1\u7528\u65bc\u5176\u4ed6\u6295\u8cc7\u6216\u8cb8\u6b3e\u6d3b\u52d5\uff0c\u4e26\u627f\u64d4\u4efb\u4f55\u98a8\u96aa\u548c\u640d\u5931\u3002\u5ba2\u6236\u4e0d\u627f\u64d4\u98a8\u96aa\u548c\u640d\u5931\uff0c\u56e0\u70ba\u9280\u884c\u5728\u5408\u540c\u671f\u9650\u5167\u4fdd\u8b49\u652f\u4ed8\u56fa\u5b9a\u7684\u5229\u606f\u3002<\/p>\n\n\n\n<p>\u90a3\u9ebc\u975e\u7a46\u65af\u6797\u80fd\u5920\u5132\u84c4\u65bc\u4f0a\u65af\u862d\u5b9a\u5b58\u55ce\uff1f<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ff008c\"><strong>\u53ef\u4ee5\uff0c\u4f0a\u65af\u862d\u5b9a\u5b58\u4e26\u4e0d\u9650\u5236\u5132\u6236\u7684\u4fe1\u4ef0\u548c\u7a2e\u65cf\u3002<\/strong><\/p>\n\n\n\n<p>\u4e0b\u8868\u7c21\u8ff0\u5169\u8005\u7684\u5340\u5225\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>\n<p><strong><b>\u50b3\u7d71\u5b9a\u5b58<\/b><\/strong><\/p>\n<\/td><td>&nbsp;<\/td><td>\n<p><strong><b>\u4f0a\u65af\u862d\u5b9a\u5b58<\/b><\/strong><\/p>\n<\/td><\/tr><tr><td>\n<p>\u99ac\u4f86\u897f\u4e9e\u9280\u884c\u6cd5<\/p>\n<\/td><td>\n<p><strong><b>\u904b\u71df\u898f\u5247<\/b><\/strong><\/p>\n<\/td><td>\n<p>\u4f0a\u65af\u862d\u539f\u5247<\/p>\n<\/td><\/tr><tr><td>\n<p>\u4e0d\u53d7\u9650\u5236\uff0c\u53ef\u4ee5\u5c07\u5229\u76ca\u6700\u5927\u5316<\/p>\n<\/td><td>\n<p><strong><b>\u5229\u76ca<\/b><\/strong><\/p>\n<\/td><td>\n<p>\u5229\u76ca\u9996\u5148\uff0c\u56e0\u5229\u76ca\u9808\u7b26\u5408\u4f0a\u65af\u862d\u539f\u5247\uff0c\u5f9e\u8ced\u535a\u7b49\u624b\u6bb5\u7372\u53d6\u7684\u5229\u76ca\u7686\u4e0d\u53ef\u53d6<\/p>\n<\/td><\/tr><tr><td>\n<p>\u9810\u5148\u7d04\u5b9a\u597d\u56fa\u5b9a\u5229\u7387<\/p>\n<\/td><td>\n<p><strong><b>\u5229\u7387<\/b><\/strong><\/p>\n<\/td><td>\n<p>\u6309\u9280\u884c\u6240\u7372\u5f97\u7684\u5229\u6f64\uff0c\u4ee5\u4e00\u5b9a\u6bd4\u4f8b\u5206\u4eab<\/p>\n<\/td><\/tr><tr><td>\n<p>\u4e0d\u6703\u53d7\u9280\u884c\u696d\u7e3e\u5f71\u97ff<\/p>\n<p>&nbsp;<\/p>\n<\/td><td>\n<p><strong><b>\u56de\u5831<\/b><\/strong><\/p>\n<\/td><td>\n<p>\u53d7\u9280\u884c\u696d\u7e3e\u5f71\u97ff\u3002\u56e0\u6b64\uff0c\u56de\u5831\u4e26\u4e0d\u56fa\u5b9a<\/p>\n<p>&nbsp;<\/p>\n<\/td><\/tr><tr><td>\n<p>\u6240\u6709\u4eba\uff0c\u4e0d\u5305\u62ec\u7a46\u65af\u6797<\/p>\n<\/td><td>\n<p><strong><b>\u8ab0\u53ef\u4ee5\u53c3\u8207<\/b><\/strong><\/p>\n<\/td><td>\n<p>\u6240\u6709\u4eba\uff0c\u5305\u62ec\u7a46\u65af\u6797\u8207\u975e\u7a46\u65af\u6797<\/p>\n<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u53e6\u5916\uff0c\u4f0a\u65af\u862d\u5b9a\u671f\u5b58\u6b3e\u5728\u99ac\u4f86\u897f\u4e9e\u6709\u4ee5\u4e0b\u591a\u7a2e\u9078\u64c7\uff1a<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-color\" id=\"mudharabah-\u5b58\u6b3e\" style=\"color:#3e3e3e\">Mudharabah \u5b58\u6b3e<\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5728Mudharabah \u5b58\u6b3e\u4e2d\uff0c\u4f60\u5c07\u5728\u9280\u884c\u6295\u8cc7\u56fa\u5b9a\u671f\u9650\u7684\u8cc7\u91d1\u3002\u7136\u5f8c\uff0cMudarib\uff08\u9280\u884c\u7d93\u7406\uff09\u5c07\u9322\u82b1\u5728\u7b26\u5408\u4f0a\u65af\u862d\u6559\u6cd5\u7684\u9014\u5f91\u4e0a\u3002\u5ba2\u6236\u548c\u9280\u884c\u4e4b\u9593\u6709\u4e00\u500b\u9810\u5148\u78ba\u5b9a\u7684\u5229\u6f64\u5206\u4eab\u6bd4\u4f8b\uff0c\u5176\u4e2d\u5206\u4eab\u7684\u5229\u6f64\u6309\u6708\u8a08\u7b97\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-color\" id=\"murabahah\u5b58\u6b3e\" style=\"color:#3e3e3e\">Murabahah\u5b58\u6b3e<\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u8207\u4f0a\u65af\u862d\u8cb8\u6b3e\u4e00\u6a23\uff0cMurabahah\u6307\u7684\u662f\u4ee5\u8f03\u9ad8\u7684\u6210\u672c\u548c\u5229\u6f64\u9032\u884c\u7684\u8cb7\u8ce3\u5408\u540c\u3002\u9019\u6d89\u53ca\u52302\u65b9\uff08Bai Al-Enah\uff09\u6216\u591a\u65b9\uff08Tawwaruq\u6216Commodity Murabahah\uff09\u4e4b\u9593\u7684\u8cc7\u7522\u8cfc\u8cb7\u548c\u92b7\u552e\u3002Bai Al-Enah\u5b58\u653e\u7684\u662f\u5ee3\u6cdb\u7684\u53ef\u88ab\u4f0a\u65af\u862d\u6559\u6cd5\u63a5\u53d7\u7684\u8cc7\u7522\uff0c\u4e0d\u5305\u62ec\u9ec3\u91d1\u548c\u767d\u9280\uff0c\u800cTawarruq\u5b58\u653e\u7684\u662f &#8220;\u6e05\u771f &#8220;\u5546\u54c1\uff0c\u800c\u4e0d\u662f\u8ca8\u5e63\u3002\u5229\u6f64\u662f\u9810\u5148\u78ba\u5b9a\u7684\uff0c\u53ef\u4ee5\u7acb\u5373\u652f\u4ed8\uff0c\u4e5f\u53ef\u4ee5\u6839\u64da\u5b58\u6b3e\u671f\u9650\u6309\u671f\u652f\u4ed8\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-color\" id=\"wakalah\u5b58\u6b3e\" style=\"color:#3e3e3e\">Wakalah\u5b58\u6b3e<\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5728Wakalah\u5b58\u6b3e\u4e2d\uff0c\u9280\u884c\u4f5c\u70ba\u4ee3\u7406\u4eba\uff08Wakil\uff09\u8ca0\u8cac\u4f60\u7684\u8ca1\u52d9\u3002\u4f5c\u70ba\u4ee3\u7406\u4eba\uff0c\u9280\u884c\u5c07\u7ba1\u7406\u4e26\u5c07\u4f60\u7684\u8cc7\u7522\u6295\u8cc7\u65bc\u7b26\u5408\u4f0a\u65af\u862d\u6559\u6cd5\u7684\u6295\u8cc7\uff0c\u4ee5\u63d0\u4f9b\u4e00\u500b &#8220;\u9810\u671f\u56de\u5831\u7387&#8221;\u3002<\/p>\n\n\n\n<p>\u7e3d\u7684\u4f86\u8aaa\uff0c\u4f0a\u65af\u862d\u5b9a\u671f\u5b58\u6b3e\u5728\u6295\u8cc7\u539f\u5247\u548c\u5229\u6f64\u5206\u4eab\u6a21\u5f0f\u4e0a\u8207\u50b3\u7d71\u5b9a\u671f\u5b58\u6b3e\u6709\u5f88\u5927\u7684\u4e0d\u540c\u3002\u5982\u679c\u4f60\u60f3\u9078\u64c7\u4f0a\u65af\u862d\u5b9a\u671f\u5b58\u6b3e\uff0c\u4f60\u9700\u8981\u77ad\u89e3\u5b83\u5011\u7684\u539f\u5247\u548c\u6a21\u5f0f\uff0c\u4e26\u5728\u9078\u64c7\u4e4b\u524d\u8a73\u7d30\u77ad\u89e3\u5b83\u5011\u7684\u689d\u6b3e\u548c\u689d\u4ef6\u3002<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ff008c\"><strong>\u63a8\u85a6\u95b2\u8b80\uff1a<a href=\"https:\/\/valueinmind.co\/zh\/what-is-foreign-currency-fixed-deposit\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5916\u5e01\u5b9a\u671f\u5b58\u6b3e\uff08FCFD\uff09\u548c\u666e\u901aFD\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f\u9a6c\u5e01\u8d2c\u503c\uff0c\u8fd9\u662f\u6700\u5b89\u5168\u7684\u8d5a\u5916\u6c47\u65b9\u6cd5\uff01<\/a><\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"\u54ea\u7a2e\u5b58\u6b3e\u671f\u9650\u9069\u5408\u6211\uff1f\" style=\"color:#282364\"><strong>\u54ea\u7a2e\u5b58\u6b3e\u671f\u9650\u9069\u5408\u6211\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u77ad\u89e3\u4e0d\u540c\u7684\u5b9a\u671f\u5b58\u6b3e\u985e\u578b\u53ef\u4ee5\u5e6b\u52a9\u4f60\u9078\u64c7\u9069\u5408\u81ea\u5df1\u7684\u6295\u8cc7\u671f\u9650\u3002\u5728\u9078\u64c7\u671f\u9650\u6642\uff0c\u8981\u78ba\u4fdd\u77ad\u89e3\u4e0d\u540c\u9280\u884c\u6240\u9700\u7684\u6700\u4f4e\u5b58\u6b3e\u91d1\u984d\uff0c\u56e0\u70ba\u9019\u53ef\u80fd\u56e0\u671f\u9650\u800c\u7570\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u5728\u7533\u8acb\u5b9a\u671f\u5b58\u6b3e\u4e4b\u524d\uff0c\u4f60\u61c9\u8a72\u8003\u616e\u4ee5\u4e0b\u554f\u984c\uff1a<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u5229\u7387\" style=\"color:#009bff\"><strong>\u5229\u7387<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u7576\u4f60\u6295\u8cc7\u5b9a\u671f\u5b58\u6b3e\u6642\uff0c\u8981\u8003\u616e\u7684\u6700\u91cd\u8981\u7684\u4e8b\u60c5\u4e4b\u4e00\u662f\u5229\u7387\u3002\u6309\u7167\u7406\u8ad6\uff0c\u5b58\u6b3e\u91d1\u984d\u8d8a\u5927\u3001\u671f\u9650\u8d8a\u9577\uff0c\u5229\u7387\u5c31\u8d8a\u9ad8\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u8cbb\u7528\" style=\"color:#009bff\"><strong>\u8cbb\u7528<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u96d6\u7136\u9280\u884c\u901a\u5e38\u4e0d\u5c0d\u5b9a\u671f\u5b58\u6b3e\u5e33\u6236\u6536\u53d6\u4efb\u4f55\u8a2d\u7acb\u8cbb\u3001\u8a2d\u7f6e\u8cbb\u6216\u5b9a\u671f\u8cbb\u7528\uff0c\u4f46\u4f60\u4ecd\u61c9\u5728\u7c3d\u7f72\u4efb\u4f55\u5408\u540c\u524d\u5411\u9280\u884c\u77ad\u89e3\u6e05\u695a\uff0c\u4ee5\u514d\u65e5\u5f8c\u767c\u751f\u7cfe\u7d1b\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u7f70\u91d1\u7684\u8a08\u7b97\" style=\"color:#009bff\"><strong>\u7f70\u91d1\u7684\u8a08\u7b97<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4e00\u822c\u4e0a\uff0c\u99ac\u4f86\u897f\u4e9e\u9280\u884c\u90fd\u4e0d\u5141\u8a31\u5132\u6236\u5728\u5b9a\u5b58\u5230\u671f\u524d\u9032\u884c\u63d0\u6b3e\u3002\u82e5\u5132\u6236\u9078\u64c7\u4e2d\u9014\u63d0\u6b3e\uff0c\u9280\u884c\u5c07\u4e0d\u6703\u652f\u4ed8\u5132\u6236\u4efb\u4f55\u5229\u606f\u3002<\/p>\n\n\n\n<p>\u4e0d\u904e\uff0c\u5982\u679c\u4f60\u5728\u5230\u671f\u524d\u63d0\u524d\u63d0\u6b3e\uff0c\u6709\u4e9b\u9280\u884c\u53ef\u80fd\u6703\u8981\u6c42\u4f60\u7e73\u7d0d\u7f70\u91d1\u3002<\/p>\n\n\n\n<p>\u4f8b\u5982\uff0c\u67d0\u9280\u884c\u7684FD\u5b9a\u671f\u5b58\u6b3e\u671f\u9650\u70ba6\u500b\u6708\uff0c\u5229\u7387\u70ba3%\u3002\u5982\u679c\u4f60\u5728\u5b58\u6b3e\u671f\u9650\u9084\u672a\u6eff6\u500b\u6708\u6642\u63d0\u524d\u63d0\u6b3e\uff0c\u9280\u884c\u53ef\u80fd\u6703\u6839\u64da\u5176\u898f\u5b9a\u7684\u7f70\u91d1\u689d\u6b3e\u4f86\u6263\u9664\u4e00\u5b9a\u7684\u5229\u606f\u4f5c\u70ba\u7f70\u91d1\u3002\u5047\u8a2d\u7f70\u91d1\u70ba\u63d0\u6b3e\u91d1\u984d\u76841%\uff0c\u4e26\u4e14\u4f60\u63d0\u524d\u63d0\u6b3e\u4e86RM5,000\uff0c\u90a3\u9ebc\u7f70\u91d1\u5c07\u662fRM5,000\u76841%\uff0c\u5373RM50\u3002<\/p>\n\n\n\n<p>\u9019\u610f\u5473\u8457\uff0c\u4f60\u4e0d\u50c5\u6c92\u6709\u8fa6\u6cd5\u7372\u5f97\u5229\u606f\uff0c\u5be6\u969b\u63d0\u6b3e\u7684\u91d1\u984d\u9084\u56e0\u70ba\u7e73\u7d0d\u7f70\u91d1\u800c\u6e1b\u5c11\u81f3RM4,950\u3002<\/p>\n\n\n\n<p>\u5176\u4ed6\u9280\u884c\u4e5f\u6709\u6536\u53d6 &#8220;\u4e2d\u65b7\u8cbb\u7528&#8221;\uff0c\u5373\u56e0\u9055\u53cd\u5354\u8b70\u800c\u5411\u9280\u884c\u652f\u4ed8\u7684\u4e00\u6b21\u6027\u8cbb\u7528\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u5728\u4f60\u7c3d\u7f72\u4efb\u4f55\u5408\u540c\u4e4b\u524d\uff0c\u5fc5\u9808\u8003\u616e\u4f60\u662f\u5426\u6e96\u5099\u597d\u5c07\u4f60\u7684\u9322\u9396\u5b9a\u5728\u7d04\u5b9a\u7684\u671f\u9650\u5167\u3002\u5982\u679c\u4f60\u9700\u8981\u63d0\u524d\u63d0\u6b3e\uff0c\u9280\u884c\u5c07\u6709\u6b0a\u5c0d\u4f60\u5fb5\u6536\u7f70\u6b3e\u3002\u56e0\u6b64\uff0c\u5982\u679c\u4f60\u7d93\u5e38\u9700\u8981\u7528\u5230\u73fe\u91d1\uff0c\u4e26\u4e14\u4ecd\u7136\u60f3\u7533\u8acb\u5b9a\u671f\u5b58\u6b3e\uff0c\u5efa\u8b70\u4f60\u9078\u64c7\u77ed\u671f\u5b9a\u5b58\u6216\u975e\u56fa\u5b9a\u5b9a\u5b58\uff0c\u4ee5\u4fdd\u8b49\u4f60\u7372\u5f97\u56de\u916c\u3002<\/p>\n\n\n\n<p>\u7e3d\u4e4b\uff0c\u7f70\u91d1\u7684\u5177\u9ad4\u91d1\u984d\u548c\u8a08\u7b97\u65b9\u5f0f\u5728\u4e0d\u540c\u9280\u884c\u548c\u5408\u540c\u4e2d\u53ef\u80fd\u6703\u6709\u6240\u4e0d\u540c\uff0c\u56e0\u6b64\u5728\u8fa6\u7406\u5b9a\u671f\u5b58\u6b3e\u6642\uff0c\u5927\u5bb6\u61c9\u8a72\u4ed4\u7d30\u95b1\u8b80\u5408\u540c\u689d\u6b3e\uff0c\u4e26\u77ad\u89e3\u76f8\u95dc\u7f70\u91d1\u653f\u7b56\u4ee5\u53ca\u7f70\u91d1\u7684\u5177\u9ad4\u8a08\u7b97\u65b9\u5f0f\u3002\u9019\u5c07\u6709\u52a9\u65bc\u4f60\u505a\u51fa\u660e\u667a\u7684\u6c7a\u7b56\uff0c\u78ba\u4fdd\u60a8\u7684\u8cc7\u91d1\u80fd\u5920\u5728\u9700\u8981\u6642\u9748\u6d3b\u4f7f\u7528\u800c\u4e0d\u53d7\u5230\u4e0d\u5fc5\u8981\u7684\u640d\u5931\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"2024-\u5e74-1-\u6708\u5404\u5927\u9280\u884cfd\u5229\u7387\" style=\"color:#282364\"><strong>2024\u5e741\u6708\u5404\u5927\u9280\u884cFD\u5229\u7387<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>\n<p><strong><b>FD\u5229\u7387\uff08%\uff09<\/b><\/strong><\/p>\n<\/td><td>\n<p><strong><b>1\u500b\u6708<\/b><\/strong><\/p>\n<\/td><td>\n<p><strong><b>3\u500b\u6708<\/b><\/strong><\/p>\n<\/td><td>\n<p><strong><b>6\u500b\u6708<\/b><\/strong><\/p>\n<\/td><td>\n<p><strong><b>12\u500b\u6708<\/b><\/strong><\/p>\n<\/td><\/tr><tr><td> <p><a href=\"https:\/\/www.affinalways.com\/en\/rates-and-pricing\" target=\"_blank\" rel=\"noreferrer noopener\">Affin Bank (\u827e\u82ac\u9280\u884c)<\/a><\/p> <\/td><td> <p>2.25<\/p> <\/td><td> <p>2.65<\/p> <\/td><td> <p>2.80<\/p> <\/td><td> <p>2.80<\/p> <\/td><\/tr><tr><td> <p><a href=\"https:\/\/www.alliancebank.com.my\/general\/interest-rates\" target=\"_blank\" rel=\"noreferrer noopener\">Alliance Bank (\u99ac\u4f86\u897f\u4e9e\u806f\u5408\u9280\u884c)<\/a><\/p> <\/td><td>\n<p>2.75<\/p>\n<\/td><td>\n<p>2.95<\/p>\n<\/td><td>\n<p>3.05<\/p>\n<\/td><td>\n<p>3.10<\/p>\n<\/td><\/tr><tr><td> <p><a href=\"https:\/\/www.ambank.com.my\/eng\/rates-fees-charges\" target=\"_blank\" rel=\"noreferrer noopener\">Ambank (\u5927\u99ac\u9280\u884c)<\/a><\/p> <\/td><td>\n<p>2.00<\/p>\n<\/td><td>\n<p>2.40<\/p>\n<\/td><td>\n<p>2.55<\/p>\n<\/td><td>\n<p>2.60<\/p>\n<\/td><\/tr><tr><td> <p><a href=\"https:\/\/www.agrobank.com.my\/product\/rates\/\" target=\"_blank\" rel=\"noreferrer noopener\">Argo Bank (\u8fb2\u696d\u9280\u884c)<\/a><\/p> <\/td><td>\n<p>2.75<\/p>\n<\/td><td>\n<p>3.05<\/p>\n<\/td><td>\n<p>3.30<\/p>\n<\/td><td>\n<p>3.45<\/p>\n<\/td><\/tr><tr><td> <p><a href=\"https:\/\/www.bankislam.com\/deposit-financing-rates\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bank Islam (\u99ac\u4f86\u897f\u4e9e\u4f0a\u65af\u862d\u9280\u884c)<\/a><\/p> <\/td><td> <p>2.60<\/p> <\/td><td> <p>2.75<\/p> <\/td><td> <p>2.80<\/p> <\/td><td> <p>2.80<\/p> <\/td><\/tr><tr><td> <p><a href=\"https:\/\/www.muamalat.com.my\/consumer-banking\/deposit\/fixed-term-account-i\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bank Mualamat (\u99ac\u4f86\u897f\u4e9e\u56de\u6559\u9280\u884c)<\/a><\/p> <\/td><td>\n<p>2.95<\/p>\n<\/td><td>\n<p>3.10<\/p>\n<\/td><td>\n<p>3.20<\/p>\n<\/td><td>\n<p>3.30<\/p>\n<\/td><\/tr><tr><td> <p><a href=\"https:\/\/www.bankofchina.com.my\/en-my\/service\/information\/interest-and-exchange-rate.html\" target=\"_blank\" rel=\"noreferrer noopener\">Bank of China (\u4e2d\u570b\u9280\u884c)<\/a><\/p> <\/td><td>\n<p>2.90<\/p>\n<\/td><td>\n<p>3.00<\/p>\n<\/td><td>\n<p>3.05<\/p>\n<\/td><td>\n<p>3.15<\/p>\n<\/td><\/tr><tr><td> <p><a href=\"https:\/\/www.irakyat.com.my\/index.php\/personal\/savings-deposits\/term-deposit-i-account\" target=\"_blank\" rel=\"noreferrer noopener\">Bank Rakyat (\u99ac\u4f86\u897f\u4e9e\u4eba\u6c11\u9280\u884c)<\/a><\/p> <\/td><td>\n<p>3.00<\/p>\n<\/td><td>\n<p>3.10<\/p>\n<\/td><td>\n<p>3.25<\/p>\n<\/td><td>\n<p>3.45<\/p>\n<\/td><\/tr><tr><td> <p><a href=\"https:\/\/www.bsn.com.my\/page\/interest-rates\" target=\"_blank\" rel=\"noreferrer noopener\">Bank Simpanan Nasional, BSN (\u570b\u6c11\u5132\u84c4\u9280\u884c)<\/a><\/p> <\/td><td>\n<p>2.75<\/p>\n<\/td><td>\n<p>3.05<\/p>\n<\/td><td> <p>3.10<\/p> <\/td><td>\n<p>3.35<\/p>\n<\/td><\/tr><tr><td> <p><a href=\"https:\/\/www.cimb.com.my\/en\/business\/help-and-support\/rates-charges\/interest-rates-charges\/interest-rates\/fixed-deposit.html\" target=\"_blank\" rel=\"noreferrer noopener\">CIMB (\u806f\u660c\u570b\u969b\u9280\u884c)<\/a><\/p> <\/td><td> <p>2.50<\/p> <\/td><td> <p>2.65<\/p> <\/td><td> <p>2.70<\/p> <\/td><td> <p>2.70<\/p> <\/td><\/tr><tr><td> <p><a href=\"https:\/\/www.hlb.com.my\/en\/personal-banking\/help-support\/interest-rates\/fixed-deposit.html\" target=\"_blank\" rel=\"noreferrer noopener\">Hong Leong Bank (\u8c50\u9686\u9280\u884c)<\/a><\/p> <\/td><td>\n<p>2.15<\/p>\n<\/td><td>\n<p>2.25<\/p>\n<\/td><td>\n<p>2.30<\/p>\n<\/td><td>\n<p>2.35<\/p>\n<\/td><\/tr><tr><td> <p><a href=\"https:\/\/www.hsbc.com.my\/accounts\/products\/time-deposit\/\" target=\"_blank\" rel=\"noreferrer noopener\">HSBC (\u532f\u8c50\u9280\u884c)<\/a><\/p> <\/td><td>\n<p>2.50<\/p>\n<\/td><td>\n<p>2.70<\/p>\n<\/td><td>\n<p>2.85<\/p>\n<\/td><td>\n<p>2.90<\/p>\n<\/td><\/tr><tr><td> <p><a href=\"https:\/\/www.maybank2u.com.my\/maybank2u\/malaysia\/en\/personal\/rates\/fixed_deposit_account_rates.page\" target=\"_blank\" rel=\"noreferrer noopener\">Maybank (\u99ac\u4f86\u4e9e\u9280\u884c)<\/a><\/p> <\/td><td>\n<p>2.60<\/p>\n<\/td><td>\n<p>2.75<\/p>\n<\/td><td>\n<p>2.80<\/p>\n<\/td><td> <p>2.80<\/p> <\/td><\/tr><tr><td> <p><a href=\"https:\/\/www.mbsbbank.com\/consumer-banking\/deposit\/term-deposit-i\" target=\"_blank\" rel=\"noreferrer noopener\">MBSB (\u99ac\u5efa\u5c4b\u9280\u884c)<\/a><\/p> <\/td><td>\n<p>3.00<\/p>\n<\/td><td>\n<p>3.10<\/p>\n<\/td><td>\n<p>3.20<\/p>\n<\/td><td>\n<p>3.40<\/p>\n<\/td><\/tr><tr><td> <p><a href=\"https:\/\/www.ocbc.com.my\/personal-banking\/accounts\/fixed-deposit.html\" target=\"_blank\" rel=\"noreferrer noopener\">OCBC (\u83ef\u50d1\u9280\u884c)<\/a><\/p> <\/td><td>\n<p>2.55<\/p>\n<\/td><td>\n<p>2.65<\/p>\n<\/td><td> <p>2.65<\/p> <\/td><td> <p>2.80<\/p> <\/td><\/tr><tr><td> <p><a href=\"https:\/\/www.pbebank.com\/Personal-Banking\/Rates-Charges\/Deposit-Interest-Rates\/Fixed-Deposit.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Public Bank (\u5927\u773e\u9280\u884c)<\/a><\/p> <\/td><td>\n<p>2.50<\/p>\n<\/td><td>\n<p>2.65<\/p>\n<\/td><td>\n<p>2.70<\/p>\n<\/td><td>\n<p>2.70<\/p>\n<\/td><\/tr><tr><td> <p><a href=\"https:\/\/onlinebanking.rhbgroup.com\/my\/explore\/termDeposit\/productDetail?cardType=catalog&amp;id=1&amp;entryPoint=\/explore\/termDeposit?\" target=\"_blank\" rel=\"noreferrer noopener\">RHB (\u99ac\u4f86\u897f\u4e9e\u8208\u696d\u9280\u884c)<\/a><\/p> <\/td><td> <p>2.60<\/p> <\/td><td>\n<p>2.75<\/p>\n<\/td><td> <p>2.80<\/p> <\/td><td> <p>2.80<\/p> <\/td><\/tr><tr><td> <p><a href=\"https:\/\/scotiabank.com.my\/scotiabank\/index.php?menu=main&amp;nowhat=10\" target=\"_blank\" rel=\"noreferrer noopener\">Scotia Bank (\u52a0\u62ff\u5927\u8c50\u696d\u9280\u884c)<\/a><\/p> <\/td><td>\n<p>2.65<\/p>\n<\/td><td>\n<p>2.95<\/p>\n<\/td><td>\n<p>3.05<\/p>\n<\/td><td>  <p>3.10<\/p> <\/td><\/tr><tr><td> <p><a href=\"https:\/\/www.sc.com\/my\/deposits\/interest-rates\/\" target=\"_blank\" rel=\"noreferrer noopener\">Standard Chartered (\u6e23\u6253\u9280\u884c)<\/a><\/p> <\/td><td> <p>2.50<\/p> <\/td><td> <p>2.50<\/p> <\/td><td> <p>2.65<\/p> <\/td><td> <p>2.70<\/p> <\/td><\/tr><tr><td> <p><a href=\"https:\/\/www.smbc.co.jp\/global\/malaysia\/deposit\/board_rate_fd.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Sumitomo Mitsui Banking (\u4e09\u4e95\u4f4f\u53cb\u9280\u884c)<\/a><\/p> <\/td><td>\n<p>2.95<\/p>\n<\/td><td>\n<p>3.00<\/p>\n<\/td><td>\n<p>3.05<\/p>\n<\/td><td>\n<p>3.15<\/p>\n<\/td><\/tr><tr><td> <p><a href=\"https:\/\/www.uob.com.my\/online-rates\/term-deposit-rates.page\" target=\"_blank\" rel=\"noreferrer noopener\">UOB (\u5927\u83ef\u9280\u884c)<\/a><\/p> <\/td><td>\n<p>2.40<\/p>\n<\/td><td>\n<p>2.50<\/p>\n<\/td><td>\n<p>2.60<\/p>\n<\/td><td>\n<p>2.70<\/p>\n<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"2024-\u5e74-1-\u6708\u9280\u884cfd\u512a\u60e0\" style=\"color:#282364\"><strong>2024\u5e741\u6708\u9280\u884cFD\u512a\u60e0<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u9280\u884c\u512a\u60e0<\/strong><\/td><td><strong>\u9396\u5b9a\u671f<\/strong><\/td><td><strong>FD<\/strong><strong>\u5229\u7387\uff08<\/strong><strong>%<\/strong><strong>\uff09<\/strong><\/td><td><strong>\u6700\u4f4e\u5165\u91d1<\/strong><\/td><td><strong>\u6700\u9ad8\u91d1\u984d<\/strong><\/td><td><strong>\u512a\u60e0\u671f\u9650<\/strong><\/td><td><strong>\u512a\u60e0\u689d\u4ef6<\/strong><\/td><\/tr><tr><td><strong>Affin Bank<\/strong><br><br><a href=\"https:\/\/www.affinalways.com\/en\/promotions\/Banca-Deposit-Campaign-2023?v=Y2F0PTYmcmVjPTQzNQ==\" target=\"_blank\" rel=\"noreferrer noopener\">Banca Deposit Campaign 2023-Bancassurance Single\u2002&amp; Regular\u2002Premium Plan<\/a>&nbsp;<\/td><td>1\u500b\u6708<\/td><td>\u4e00\u6b21\u6027\u7e73\u8cbb(Single Premium)\uff1a12.88<br><br>\u5b9a\u671f\u7e73\u8cbb\uff08Regular Premium\uff09\uff1a28.88<\/td><td>\u4e00\u6b21\u6027\u7e73\u8cbb(Single Premium)\uff1aRM50,000(Bancassurance Single Premium Plan)<br>RM10,000(Term Deposit-i:<br>Bancatakaful Single Contribution Plan)<br><br>\u5b9a\u671f\u7e73\u8cbb(Regular Premium)\uff1aRM10,000&nbsp;(Fixed Deposit\/Term Deposit-i:<br>Bancassurance\/Bancatakaful)<\/td><td>&nbsp;<\/td><td>2023\u5e7410\u67081\u65e5 &#8211; 2024\u5e741\u670831\u65e5&nbsp;<\/td><td>\u7528\u6236\u5fc5\u9808\u8981\u6709Affin Bank\u7684Current Account \u548c Saving Account\u3002\u6ce8\u610f\uff0c\u4f60\u7684\u8cc7\u91d1\u5c07\u4ee51:1\u7684\u6bd4\u4f8b\uff0c\u4f8b\u5982\uff1aRM50,000\u5b58\u653e\u65bcFD\uff0cRM50,000\u7f6e\u653e\u65bc\u9019\u9805\u8a08\u5283\u6307\u5b9a\u7684\u4fdd\u96aa\u4e2d\u3002&nbsp;<\/td><\/tr><tr><td><\/td><td>3\u500b\u6708<\/td><td>\u4e00\u6b21\u6027\u7e73\u8cbb\uff1a7.88<br><br>\u5b9a\u671f\u7e73\u8cbb\uff1a13.88<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><\/td><td>6\u500b\u6708<\/td><td>\u4e00\u6b21\u6027\u7e73\u8cbb\uff1a5.88<br><br>\u5b9a\u671f\u7e73\u8cbb\uff1a8.88<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><strong>Alliance Bank<br><\/strong><a href=\"https:\/\/www.alliancebank.com.my\/promotions\/banking\/saveplus-dash4cash-efd-promotion.aspx\" target=\"_blank\" rel=\"noreferrer noopener\"><br><\/a><a href=\"https:\/\/www.alliancebank.com.my\/Promotions\/Alliance-Privilege\/cny-wealth-fd-campaign\" target=\"_blank\" rel=\"noopener\">CNY Wealth and FD bundle promotion<\/a><\/td><td>3\u500b\u6708<\/td><td>12.88<\/td><td>RM1,000<\/td><td>RM100,000<\/td><td>2024\u5e741\u67082\u65e5 &#8211; 2024\u5e742\u670829\u65e5<\/td><td>\u8981\u7372\u5f973\u500b\u6708\u7684\u5229\u606f\uff0c\u9700\u4e00\u6b21\u6027\u6295\u8cc7\u81f3\u5c11 RM 10,000 \u5728\u9280\u884c\u6307\u5b9a\u7684\u57fa\u91d1\uff0c\u92b7\u552e\u8cbb3%\u3002\u8981\u7372\u5f976\u500b\u6708\u7684\u5229\u606f\uff0c\u9700\u8981\u8cfc\u8cb7\u9280\u884c\u6307\u5b9a\u7684\u4fdd\u96aa\uff0c\u5e74\u4fdd\u8cbb\u81f3\u5c11 RM 10,000\u3002<\/td><\/tr><tr><td><\/td><td>6\u500b\u6708<\/td><td>9.88<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><strong>Alliance Bank<br><br><\/strong><a href=\"https:\/\/www.alliancebank.com.my\/alliance-privilege-welcome-offer.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Privilege FD\/TD-i promotion<\/a>&nbsp;<\/td><td>6\u500b\u6708<\/td><td>4.10<\/td><td>RM1,000<\/td><td>RM300,000<\/td><td>2023\u5e7410\u67081\u65e5 &#8211; 2024\u5e743\u670831\u65e5<\/td><td>\u9650\u64c1\u6709RM300,000 \u53ef\u6295\u8cc7\u51c0\u8cc7\u7522\u7684\u65b0\u9996\u8981\u5ba2\u6236\uff0c\u5e76\u4e14\u5728\u8a72\u9280\u884c\u7684 Alliance SavePlus Account\/-i \u6216 Alliance Hybrid Account\/-i \u5b58\u5165\u81f3\u5c11RM10,000\u3002\u53ef\u901a\u904e\u9280\u884c\u6ac3\u6aaf\u4ea4\u6613\u3002<\/td><\/tr><tr><td><strong>Alliance Bank<br><br><\/strong><a href=\"https:\/\/www.alliancebank.com.my\/alliance-personal-welcome-offer.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Personal FD Promotion<br><\/a>&nbsp;<\/td><td>6\u500b\u6708<\/td><td>4.10<\/td><td>RM1,000<\/td><td>RM100,000<\/td><td>2023\u5e7410\u67081\u65e5 &#8211; 2024\u5e743\u670831\u65e5<\/td><td>\u6210\u7232\u8a72\u9280\u884c\u7684\u65b0\u500b\u4eba\u5ba2\u6236\uff0c\u64c1\u6709RM100,000\u7684\u53ef\u6295\u8cc7\u51c0\u8cc7\u7522\uff0c\u5e76\u4e14\u5728\u8a72\u9280\u884c\u7684 Alliance SavePlus Account\/-i \u6216 Alliance Hybrid Account\/-i \u5b58\u5165\u81f3\u5c11RM10,000\u3002\u53ef\u901a\u904e\u9280\u884c\u6ac3\u6aaf\u4ea4\u6613\u3002<\/td><\/tr><tr><td><strong>Alliance Bank<br><br><\/strong><a href=\"https:\/\/www.alliancebank.com.my\/promotions\/investment\/banca-fd-campaign.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Bancassurance &amp; FD campaign<\/a><strong>&nbsp;&nbsp;<\/strong><\/td><td>6\u500b\u6708<\/td><td>6.50\uff08\u8cfc\u8cb7\u6700\u4f4e\u5e74\u4fdd\u8cbb\u70baRM10,000\u7684\u6307\u5b9a\u4fdd\u96aa\uff09<\/td><td>RM1,000&nbsp;<\/td><td>\u6700\u591a\u70ba\u6307\u5b9a\u4fdd\u96aa\u5e74\u4fdd\u8cbb\u76841\u500d&nbsp;<\/td><td>2023\u5e749\u67081\u65e5 &#8211; 2024\u5e743\u670831\u65e5<\/td><td>\u958b\u653e\u7d66\u6240\u6709\u5ba2\u6236\uff08\u5305\u62ec\u73fe\u6709\u5ba2\u6236\u53ca\u65b0\u8cc7\uff09\u3002&nbsp;<\/td><\/tr><tr><td><\/td><td>&nbsp;<\/td><td>8.50\uff08\u8cfc\u8cb7\u6700\u4f4e\u5e74\u4fdd\u8cbb\u70baRM50,000\u7684\u6307\u5b9a\u4fdd\u96aa\uff09<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><\/td><td>&nbsp;<\/td><td>9.50\uff08\u8cfc\u8cb7\u6700\u4f4e\u5e74\u4fdd\u8cbb\u70baRM100,000\u7684\u6307\u5b9a\u4fdd\u96aa\uff09<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><strong>Alliance Bank<\/strong><br><br><a href=\"https:\/\/www.alliancebank.com.my\/Promotions\/Alliance-Privilege\/alliance-privilege-new-investor\" target=\"_blank\" rel=\"noopener\">New Investor Campaign<\/a><\/td><td>3\u500b\u6708<\/td><td>9.50<\/td><td>RM 1,000<\/td><td>\u6700\u591a\u662f\u6295\u8cc7\u5728\u4fe1\u6258\u57fa\u91d1\u7684\u91d1\u984d\u76841\u500d\u3002<\/td><td>2023\u5e7410\u67081\u65e5 &#8211; 2024\u5e743\u670831\u65e5<\/td><td>\u958b\u653e\u7d66\u4e0d\u66fe\u5728 Alliance Bank \u6709\u6295\u8cc7\u8a18\u9304\u7684\u5ba2\u6236\u3002\u9700\u4e00\u6b21\u6027\u6295\u8cc7\u6700\u5c11 RM10,000 \u5728\u6307\u5b9a\u7684\u4fe1\u6258\u57fa\u91d1\uff0c\u5c07\u5fb5\u65363%\u7684\u92b7\u552e\u8cbb\u3002\u9996250\u540d\u958b\u6236\u8005\uff0c\u53ef\u7372\u5f97\u50f9\u503c RM100  \u7684\u4fe1\u6258\u7522\u54c1\u3002<\/td><\/tr><tr><td><strong>Alliance Bank<\/strong><br><br><a href=\"https:\/\/www.alliancebank.com.my\/Promotions\/Alliance-Privilege\/Investment-Fixed-Deposit-Bundle-Campaign\" target=\"_blank\" rel=\"noopener\">Investment and FD Bundle Campaign<\/a><\/td><td>3\u500b\u6708<\/td><td>7.50\uff08Retail securities &amp; FD bundle\uff09<br><br>7.50\uff08Structured investment &amp; FD bundle\uff09<br><br>8.50\uff08Unit trust &amp; FD bundle\uff09<\/td><td>RM 1,000<\/td><td>Retail securities &amp; FD bundle \u4ee5\u53ca Structured investment &amp; FD bundle \u6700\u591a\u662f\u6295\u8cc7\u91d1\u984d\u76841\/3<br><br>Unit trust &amp; FD bundle\u6700\u591a\u662f\u6295\u8cc7\u91d1\u984d\u76841\u500d\u3002<\/td><td>2023\u5e7410\u67081\u65e5 &#8211; 2024\u5e743\u670831\u65e5<\/td><td>\u958b\u653e\u7d66\u4e0d\u66fe\u5728 Alliance Bank \u6709\u6295\u8cc7\u8a18\u9304\u7684\u5ba2\u6236\u3002<br><br>\u91dd\u5c0d Retail securities &amp; FD bundle \u9700\u4e00\u6b21\u6027\u6295\u8cc7\u6700\u5c11RM250,000 \u5728Ringgit Denominated Retail Securities \u548c RM150,000 \u5728 Foreign Currency Denominated Retail Securities \u3002<br><br>\u91dd\u5c0d Structured investment &amp; FD bundle \u9700\u6295\u8cc7\u6700\u5c11 RM50,000\u3002<br><br>\u91dd\u5c0d Unit trust &amp; FD bundle \u9700\u4e00\u6b21\u6027\u6295\u8cc7\u6700\u5c11RM10,000\u5728\u6307\u5b9a\u7684\u4fe1\u6258\u7522\u54c1\u4e26\u5fb5\u65363%\u7684\u92b7\u552e\u8cbb\u3002<\/td><\/tr><tr><td><strong>Alliance Bank<\/strong><br><br><a href=\"https:\/\/www.alliancebank.com.my\/Promotions\/Alliance-Privilege\/foreign-currency-unit-trust-fixed-deposit-campaign\" target=\"_blank\" rel=\"noopener\">Foreign Currency Unit Trust and Fixed Deposit Campaign<\/a><\/td><td>3\u500b\u6708<\/td><td>9%\uff08AUD \u6fb3\u5e63\uff09<br>8.50%\uff08SGD \u65b0\u5e63\uff09<br>10%\uff08USD \u7f8e\u91d1\uff09<\/td><td>AUD 5,000<br>SGD 5,000<br>USD 5,000<\/td><td>AUD 10,000<br>SGD 10,000<br>USD 10,000<\/td><td>2024\u5e741\u67082\u65e5 &#8211; 2024\u5e743\u670831\u65e5<\/td><td>\u6295\u8cc7\u6700\u4f4e\u6fb3\u5e63\u3001\u65b0\u5e63\u6216\u7f8e\u91d1 10,000 \u5728\u6307\u5b9a\u7684\u4fe1\u6258\u57fa\u91d1\uff0c\u92b7\u552e\u8cbb3%\uff0c\u4e26\u5b58\u5165\u6700\u4f4e 5,000 \u76f8\u61c9\u8ca8\u5e63\u5373\u53ef\u3002<\/td><\/tr><tr><td><strong>AmBank<\/strong><br><br><a href=\"https:\/\/www.ambank.com.my\/eng\/promotions-page\/AmOnline-eFD-Promo-January\" target=\"_blank\" rel=\"noopener\">eFixed Deposit\/eTerm Deposit-i<\/a><\/td><td>3\u500b\u6708<\/td><td>3.83%\uff08\u9700\u8f38\u5165promo code\uff1aBEST3\uff09<\/td><td>RM10,000<\/td><td><\/td><td>2024\u5e741\u67088\u65e5 &#8211; 2024\u5e742\u670818\u65e5<\/td><td>\u9700\u901a\u904e AmOnlineApp \u6216 FPX \u5b58\u5165\u8cc7\u91d1\uff0c\u4e26\u8a18\u5f97\u8f38\u5165\u76f8\u61c9\u7684promo code\u3002<\/td><\/tr><tr><td><\/td><td>6\u500b\u6708<\/td><td>3.98%\uff08\u9700\u8f38\u5165 promo code\uff1aBEST6\uff09<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><strong>Bank of China<\/strong><br><br><a href=\"https:\/\/www.bankofchina.com.my\/en-my\/service\/information\/promotions\/CNY2024_FDPromotion.html\" target=\"_blank\" rel=\"noopener\">Chinese New Year Fixed Deposit Promotion<\/a><\/td><td>12\u500b\u6708<\/td><td>3.95%<br><br>3.90%<\/td><td>RM 150,000<br><br>RM 20,000<\/td><td>RM 2,000,000<br><br>RM 149.999.99<\/td><td>2024\u5e741\u670812\u65e5 &#8211; 2024\u5e743\u670831\u65e5<\/td><td>\u53ea\u9650\u65b0\u8cc7\u91d1\u3002<\/td><\/tr><tr><td><strong>Bank Muamalat<\/strong><br><br><a href=\"https:\/\/www.muamalat.com.my\/campaign\/pocket-fantastik\/\" target=\"_blank\" rel=\"noopener\">Fixed Term Account Fantastic Pocket Campaign<\/a><\/td><td>6\u500b\u6708<\/td><td>4.05<\/td><td>RM 10,000<\/td><td>RM 800,000,000<\/td><td>2023\u5e7412\u67081\u65e5 &#8211; 2024\u5e741\u670831\u65e5<\/td><td>\u53ef\u4ee5\u901a\u904e\u624b\u6a5f APP\uff1aMAP\u958b\u6236\u5b58\u6b3e\u6216\u89aa\u81e8\u9280\u884c\u6ac3\u6aaf\u8fa6\u7406\u3002<\/td><\/tr><tr><td><strong>Bank Simpanan Nasional<br><\/strong><br><a href=\"https:\/\/www.bsn.com.my\/page\/TDBundleWithBSNSSPPlatinum?csrt=4265950434026274021\" target=\"_blank\" rel=\"noreferrer noopener\">BSN Term Deposit-i bundle with BSN SSP Platinum<\/a><\/td><td>6\u500b\u6708<\/td><td>5.70\uff08Term Deposit-i\uff09<br><br>0.01(BSN SSP Platinum)<br><br>\u6709\u6548\u5229\u7387\uff08Effective Interest Rate\uff09\uff1a3.99%<\/td><td>\u65b0\u5ba2\u6236\uff1aRM5,000<br><br><\/td><td>\u2013<\/td><td>2024\u5e741\u67081\u65e5 &#8211; 2024\u5e744\u670830\u65e5<\/td><td>\u50c5\u9650\u65b0\u8cc7,\u9700\u901a\u904e\u9280\u884c\u6ac3\u6aaf\u5b58\u653e\u3002\u5b58\u6b3e\u5c07\u4ee570:30\u7684\u6bd4\u4f8b\uff0c\u5206\u5225\u653e\u7f6e\u5728BSN Term Deposit-i\uff0870%\uff09\u4ee5\u53caBSN SSP Platinum\uff0830%\uff09\u3002<\/td><\/tr><tr><td><strong>CIMB Bank<\/strong><br><br><a href=\"https:\/\/www.cimb.com.my\/en\/personal\/promotions\/latest-promotions\/cimb-efd-efria-i-october-2023-campaign.html\" target=\"_blank\" rel=\"noopener\">eFD\/eFRIA-i Campaign<\/a><\/td><td>2\u500b\u6708<\/td><td>3.65\uff08\u901a\u904eFPX\u8f49\u8cec\u5f9e\u5176\u4ed6\u9280\u884c\u8f49\u4f86\u7684\u65b0\u8cc7\u91d1\uff09<\/td><td>RM1,000<\/td><td>&#8211;<\/td><td>2023\u5e7411\u670823\u65e5 &#8211; 2024\u5e741\u670831\u65e5<\/td><td>\u958b\u653e\u7d66\u6240\u6709\u5ba2\u6236\uff08\u5305\u62ec\u73fe\u6709\u5ba2\u6236\u53ca\u65b0\u8cc7\uff09\u3002\u9700\u901a\u904e\u7db2\u9801\u7248 CIMB Clicks \u53c3\u8207\uff0c\u4e0d\u80fd\u901a\u904e\u624b\u6a5f CIMB Clicks App \u53c3\u8207\u3002<\/td><\/tr><tr><td><a href=\"https:\/\/www.cimb.com.my\/en\/personal\/promotions\/latest-promotions\/efd-efria-i.html\" target=\"_blank\" rel=\"noreferrer noopener\"><br><\/a>&nbsp;&nbsp;<\/td><td>3\u500b\u6708<\/td><td>3.53\uff08\u901a\u904e CIMB \u5132\u84c4\u6236\u53e3\u5b58\u653e\uff09<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><\/td><td>6\u500b\u6708<\/td><td>3.70\uff08\u901a\u904e CIMB \u5132\u84c4\u6236\u53e3\u5b58\u653e\uff09<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><\/td><td>7\u500b\u6708<\/td><td>3.80\uff08\u901a\u904eFPX\u8f49\u8cec\u5f9e\u5176\u4ed6\u9280\u884c\u8f49\u4f86\u7684\u65b0\u8cc7\u91d1\uff09<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><\/td><td>12\u500b\u6708<\/td><td>3.75\uff08\u901a\u904e CIMB \u5132\u84c4\u6236\u53e3\u5b58\u653e\uff09<br><br><\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><strong>Hong Leong Bank<\/strong><br><br><a href=\"https:\/\/www.hlb.com.my\/en\/personal-banking\/promotions\/dp-efd-i-8-months-promotion-2023.html\" target=\"_blank\" rel=\"noopener\">eFD\/eFD-i 8-month promo<\/a><\/td><td>8\u500b\u6708<\/td><td>3.90<\/td><td>RM1,000<\/td><td>RM200,000<\/td><td>2023\u5e7412\u67089\u65e5 &#8211; 2024\u5e741\u670821\u65e5<\/td><td>\u958b\u653e\u7d66\u65b0\u8cc7\u91d1\u3002\u7528\u6236\u5fc5\u9808\u6ce8\u518a Hong Leong Connect Online\/Mobile Banking\u3002<\/td><\/tr><tr><td><strong>Hong Leong Bank<\/strong><br><br><a href=\"https:\/\/www.hlb.com.my\/en\/personal-banking\/promotions\/dp-efd-i-month-long-promotion-2023.html\" target=\"_blank\" rel=\"noreferrer noopener\">eFD\/eFD-i Placements Campaign<\/a>&nbsp;<\/td><td>3\u500b\u6708<\/td><td>3.75<\/td><td>RM1,000<\/td><td>RM200,000<\/td><td>2023\u5e7412\u67089\u65e5 &#8211; 2024\u5e741\u670821\u65e5<\/td><td>\u958b\u653e\u7d66\u6240\u6709\u5ba2\u6236\uff08\u5305\u62ec\u73fe\u6709\u5ba2\u6236\u53ca\u65b0\u8cc7\uff09\u3002\u7528\u6236\u5fc5\u9808\u6ce8\u518a Hong Leong Connect Online\/Mobile Banking\u3002<\/td><\/tr><tr><td><\/td><td>6\u500b\u6708<\/td><td>3.90<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><\/td><td>12\u500b\u6708<\/td><td>3.85<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><strong>HSBC Bank<\/strong><br><br><a href=\"https:\/\/www.hsbc.com.my\/accounts\/products\/everyday-global\/#6\" target=\"_blank\" rel=\"noreferrer noopener\">HSBC New-to-bank Premier Time\/Term Deposit promo<\/a><\/td><td>6\u500b\u6708<\/td><td>HSBC Premier Customer<br>-\u5b58\u5165\u99ac\u5e63FD\u7372\u5f974%\u5229\u606f<br>-\u5b58\u5165\u7f8e\u91d1FD\u7372\u5f975.68%\u5229\u606f<br><br>HSBC Top Tier Premier Customer<br>-\u5b58\u5165\u99ac\u5e63FD\u7372\u5f974.18%\u5229\u606f<br>-\u5b58\u5165\u7f8e\u91d1FD\u7372\u5f976%\u5229\u606f<\/td><td>RM50,000 \u6216 USD10,000<\/td><td>RM1,000,000 \u6216 USD 200,000<\/td><td>2024\u5e741\u67082\u65e5 &#8211; 2024\u5e743\u670831\u65e5<\/td><td>\u958b\u653e\u7d66\u65b0\u8cc7\u91d1\u3002<\/td><\/tr><tr><td><strong>OCBC Bank<\/strong><br><br><a href=\"https:\/\/www.ocbc.com.my\/personal-banking\/deposits\/campaign\/fixed-deposit-promo\" target=\"_blank\" rel=\"noreferrer noopener\">FD\/CASA bundle promo<\/a><\/td><td>6\u500b\u6708<\/td><td>4.08<\/td><td>RM1,000<\/td><td>RM500,000,000<\/td><td>2024\u5e741\u67081\u65e5 &#8211; 2024\u5e742\u67083\u65e5<\/td><td>\u53ea\u9650\u65b0\u8cc7\u5e76\u4e14\u5fc5\u9808\u958b\u8a2d OCBC 360 \u5132\u84c4\u6236\u53e3\u3002\u8cc7\u91d1\u5c07\u670990%\u5b58\u5728FD\uff0c10%\u5b58\u5728\u5132\u84c4\u6236\u53e3\u3002<\/td><\/tr><tr><td><strong>Public Bank<br><br><\/strong><a href=\"https:\/\/www.pbebank.com\/en\/promotions\/latest-promotions\/pb-efd-via-fpx-campaign-1\/\" target=\"_blank\" rel=\"noopener\">PB eFD via FPX campaign<\/a><br>&nbsp;<\/td><td>3\u500b\u6708<\/td><td>3.60<\/td><td>RM5,000<\/td><td>RM2,000,000<\/td><td>2024\u5e741\u67081\u65e5 &#8211; 2024\u5e743\u670831\u65e5<\/td><td>\u9700\u5f9e\u5176\u4ed6\u9280\u884c\u901a\u904e FPX \u8f49\u8cec\u5b58\u6b3e\u3002<\/td><\/tr><tr><td><\/td><td>6\u500b\u6708<\/td><td>3.70<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><\/td><td>9\u500b\u6708<\/td><td>3.80<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><\/td><td>12\u500b\u6708<\/td><td>3.85<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><strong>Public Bank<\/strong><br><br><a href=\"https:\/\/www.pbebank.com\/en\/promotions\/latest-promotions\/50-golden-journey-campaign-1\/\" target=\"_blank\" rel=\"noopener\">50 Golden Journey Campaign<\/a><br><\/td><td>3\u500b\u6708<\/td><td>3.60<\/td><td>RM5,000<\/td><td>RM10,000,000<\/td><td>2024\u5e741\u67081\u65e5 &#8211; 2024\u5e743\u670831\u65e5<\/td><td>\u5b58\u6b3e\u4eba\u5fc5\u9808\u5e74\u6eff50\u6b72\u6216\u4ee5\u4e0a\uff0c\u4e26\u6301\u670950 PLUS Savings Account\u548cPB Golden 50 PLUS Fixed Deposit Account\uff0c\u4e14\u50c5\u9650\u65b0\u8cc7\u91d1\uff08Fresh fund\uff09\u3002<\/td><\/tr><tr><td><\/td><td>6\u500b\u6708<\/td><td>3.70<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><\/td><td>12\u500b\u6708<\/td><td>3.85<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><strong>Public Bank<br><br><\/strong><a href=\"https:\/\/www.pbebank.com\/media\/zcvdvaky\/rcb-fd-tdi24-tc-en.pdf\" target=\"_blank\" rel=\"noopener\">PB RCB Special FD\/TD-i campaign<\/a><br>&nbsp;<\/td><td>3\u500b\u6708<\/td><td>3.60\uff08RCB Gold\uff09<br><br>3.65 \uff08RCB Elite\uff09<\/td><td>RM10,000<\/td><td>RM10,000,000<\/td><td>2024\u5e741\u67081\u65e5 &#8211; 2024\u5e743\u670831\u65e5<\/td><td>\u50c5\u9069\u7528\u65bc\u7d05\u6bef\u5ba2\u6236\uff08Red Carpet Banking Customers\uff09, \u5b58\u6b3eRM300,000\u6216\u4ee5\u4e0a\u70baRCB Gold\u7528\u6236\uff0cRM1,000,000\u6216\u4ee5\u4e0a\u70baRCB Elite\uff0c\u50c5\u9650\u65bc\u65b0\u8cc7\u3002<\/td><\/tr><tr><td><\/td><td>6\u500b\u6708<\/td><td>3.70\uff08RCB Gold\uff09<br><br>3.75\uff08RCB Elite\uff09<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><\/td><td>9\u500b\u6708<\/td><td>3.80 \uff08RCB Gold\uff09<br><br>3.85 \uff08RCB Elite\uff09<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><\/td><td>12\u500b\u6708<\/td><td>3.85\uff08RCB Gold\uff09<br><br>3.90 \uff08RCB Elite\uff09<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><strong>Public Bank<br><br><\/strong><a href=\"https:\/\/www.pbebank.com\/media\/owwgsl2w\/pb-special-fd24-tc-en.pdf\" target=\"_blank\" rel=\"noopener\">PB Special Fixed Deposit Campaign<\/a><br>&nbsp;<\/td><td>3\u500b\u6708<\/td><td>3.55<\/td><td>RM5,000<\/td><td>RM10,000,000<\/td><td>2024\u5e741\u67081\u65e5 &#8211; 2024\u5e743\u670831\u65e5<\/td><td>\u50c5\u9650\u65b0\u8cc7<\/td><\/tr><tr><td><\/td><td>6\u500b\u6708<\/td><td>3.65<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><\/td><td>9\u500b\u6708<\/td><td>3.75<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><\/td><td>12\u500b\u6708<\/td><td><br>3.80<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><strong>Public Bank<\/strong><br><br><a href=\"https:\/\/www.pbebank.com\/media\/z2af1xct\/powerinvest-fd24-tc-en.pdf\" target=\"_blank\" rel=\"noopener\">PowerInvest Fixed Deposit Campaign<\/a><\/td><td>3\u500b\u6708<\/td><td>\u5b58\u5165RM10,000 &#8211; RM300,000\u5728FD\uff0c\u4e26\u4ee52\uff1a1\u7684\u6bd4\u4f8b\u6295\u8cc7\u5728\u4fe1\u6258\u57fa\u91d1\u6216\u4fdd\u96aa\uff1a<br>-4.65%<br><br>\u5b58\u5165RM300,000\u4ee5\u4e0a\u5728FD\uff0c\u4e26\u4ee52\uff1a1\u7684\u6bd4\u4f8b\u6295\u8cc7\u5728\u4fe1\u6258\u57fa\u91d1\u6216\u4fdd\u96aa\uff1a<br>-5.45%<br><br>\u5b58\u5165RM10,000 &#8211; RM300,000\u5728FD\uff0c\u4e26\u4ee55\uff1a1\u7684\u6bd4\u4f8b\u6295\u8cc7\u5728\u4fe1\u6258\u57fa\u91d1\u6216\u4fdd\u96aa\uff1a<br>-9.05%<br><br>\u5b58\u5165RM300,000\u4ee5\u4e0a\u5728FD\uff0c\u4e26\u4ee55\uff1a1\u7684\u6bd4\u4f8b\u6295\u8cc7\u5728\u4fe1\u6258\u57fa\u91d1\u6216\u4fdd\u96aa\uff1a<br>-5.60%<\/td><td>RM10,000<\/td><td>&#8211;<\/td><td>2024\u5e741\u67081\u65e5 &#8211; 2024\u5e746\u670830\u65e5<\/td><td>\u9700\u8981\u6295\u8cc7\u5728\u6307\u5b9a\u7684\u4fe1\u6258\u57fa\u91d1\u6216\u4fdd\u96aa\u4e2d\u3002\u8cc7\u91d1\u6bd4\u4f8b\uff0c\u53ef\u4ee5\u5206\u72322\uff1a1\uff0c\u5373\u5047\u8a2d\u4f60\u6295\u8cc7RM20,000\u5728\u4fe1\u6258\u57fa\u91d1\uff0c\u9700\u8981\u5728FD\u5b58\u5165RM10,000\u3002\u4f60\u4e5f\u53ef\u4ee5\u4ee55\uff1a1\u7684\u6bd4\u4f8b\u6295\u8cc7\uff0c\u5373 \u6295\u8cc7 RM50,000\uff0c\u5b58\u5165RM10,000\u7684FD\u3002<\/td><\/tr><tr><td><\/td><td>8\u500b\u6708<\/td><td>\u5b58\u5165RM10,000 &#8211; RM300,000\u5728FD\uff0c\u4e26\u4ee52\uff1a1\u7684\u6bd4\u4f8b\u6295\u8cc7\u5728\u4fe1\u6258\u57fa\u91d1\u6216\u4fdd\u96aa\uff1a<br>-3.95%<br><br>\u5b58\u5165RM300,000\u4ee5\u4e0a\u5728FD\uff0c\u4e26\u4ee52\uff1a1\u7684\u6bd4\u4f8b\u6295\u8cc7\u5728\u4fe1\u6258\u57fa\u91d1\u6216\u4fdd\u96aa\uff1a<br>-4.25%<br><br>\u5b58\u5165RM10,000 &#8211; RM300,000\u5728FD\uff0c\u4e26\u4ee55\uff1a1\u7684\u6bd4\u4f8b\u6295\u8cc7\u5728\u4fe1\u6258\u57fa\u91d1\u6216\u4fdd\u96aa\uff1a<br>-5.60%<br><br>\u5b58\u5165RM300,000\u4ee5\u4e0a\u5728FD\uff0c\u4e26\u4ee55\uff1a1\u7684\u6bd4\u4f8b\u6295\u8cc7\u5728\u4fe1\u6258\u57fa\u91d1\u6216\u4fdd\u96aa\uff1a<br>-7.10%<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"\u54ea\u5bb6\u9280\u884cfd\u5229\u7387\u6700\u9ad8\uff1f\" style=\"color:#282364\"><strong>\u54ea\u5bb6\u9280\u884cFD\u5229\u7387\u6700\u9ad8\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u7d9c\u5408\u4f86\u770b\uff0c\u76ee\u524dAffin Bank\u3001 Alliance Bank\u3001BSN\u3001HSBC\u3001Public Bank\u63d0\u4f9b\u4e86\u512a\u60e0\u529b\u5ea6\u6700\u5f37\u7684\u5b9a\u5b58\uff0c\u5229\u606f\u90fd\u7a81\u7834\u4e865%\u4ee5\u4e0a\u3002\u4f46\u662f\uff0c\u9ad8\u5229\u606f\u4e5f\u662f\u6709\u689d\u4ef6\u7684\uff0c\u524d\u63d0\u662f\u4f60\u9700\u8981\u5728\u8a72\u9280\u884c\u6295\u8cc7\u6216\u8cb7\u4fdd\u96aa\uff0c\u6240\u4ee5\u5be6\u969b\u9700\u8981\u7684\u91d1\u984d\u66f4\u591a\uff0c\u9580\u6abb\u6bd4\u8f03\u9ad8\u3002\u5efa\u8b70\u5c0f\u8cc7\u65cf\u53ef\u4ee5\u770b\u770b\u5176\u4ed6\u9280\u884c FD \u7684\u5229\u606f\uff0c\u9019\u4e9b\u5229\u606f\u4e5f\u57283.5%\u4ee5\u4e0a\uff0c\u5c0d\u6297\u76ee\u524d\u7684\u901a\u8ca8\u81a8\u8139\u662f\u8db3\u5920\u7684\u4e86\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"fd\u512a\u60e0\u80cc\u5f8c\u7684\u79d8\u5bc6\u548c\u6f5b\u898f\u5247\" style=\"color:#009bff\"><strong>FD\u512a\u60e0\u80cc\u5f8c\u7684\u79d8\u5bc6\u548c\u6f5b\u898f\u5247<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4e0d\u904e\uff0c\u9280\u884c\u7d66\u7684\u512a\u60e0\u771f\u7684\u90a3\u9ebc\u597d\u55ce\uff1f\u9019\u88cf\uff0c\u6211\u5011\u5c31\u548c\u5927\u5bb6\u5206\u4eab\u9280\u884c\u5b9a\u5b58\u512a\u60e0\u80cc\u5f8c\u7684\u6f5b\u898f\u5247\uff0c\u7834\u89e3FD\u512a\u60e0\u80cc\u5f8c\u7684\u79d8\u5bc6\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-color\" id=\"\u95dc\u65bc\u65b0\u8cc7-fresh-fund\" style=\"color:#3e3e3e\"><strong>\u95dc\u65bc\u65b0\u8cc7Fresh Fund<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5728\u4e0a\u9762\u7684\u8868\u683c\u4e2d\u6211\u5011\u548c\u5927\u5bb6\u5206\u4eab\u4e865\u6708\u6709\u54ea\u4e9b\u9280\u884c\u63a8\u51fa\u512a\u60e0\u6d3b\u52d5\uff0c\u4f46\u4f60\u6709\u6c92\u6709\u767c\u73fe\u4e00\u4e9b\u512a\u60e0\u662f\u9644\u5e36\u689d\u4ef6\u7684\u5462\uff1f<\/p>\n\n\n\n<p>\u4f8b\u5982\uff1a\u4e00\u4e9b\u512a\u60e0\u6d3b\u52d5\u53ea\u958b\u653e\u7d66\u65b0\u8cc7\uff08Fresh Fund\uff09\u3002\u4e00\u822c\u4f86\u8aaa\uff0c\u9280\u884c\u5e0c\u671b\u4f60\u5c07\u8cc7\u91d1\u5f9e\u5176\u4ed6\u5730\u65b9\uff0c\u5982\uff1a\u539f\u672c\u5b58\u5728\u5176\u4ed6\u9280\u884c\u7684\u8cc7\u91d1\uff0c\u901a\u904e\u7dda\u4e0a\u8f49\u8cec\u5982\uff1aInterbank Giro\u3001DuitNow Transfer\u7b49\u7dda\u4e0a\u8f49\u8cec\u65b9\u5f0f\uff0c\u6216\u901a\u904e\u652f\u7968\u548c\u5230\u9280\u884c\u6ac3\u6aaf\u653e\u7b49\u65b9\u5f0f\uff0c\u5b58\u5165\u4ed6\u5011\u7684\u9280\u884c\uff0c\u800c\u4e0d\u662f\u5c07\u539f\u672c\u5c31\u5728\u4ed6\u5011\u9280\u884c\u88cf\u7684\u8cc7\u91d1\u8f49\u5165\u5b9a\u671f\u5b58\u6b3e\u3002\u4f46\u662f\uff0c\u9019\u500b\u689d\u4ef6\u4e26\u975e\u6c92\u6709\u6f0f\u6d1e\u53ef\u947d\u3002\u53ea\u8981\u4f60\u5c07\u539f\u672c\u5b58\u5728\u9280\u884c\u88cf\u7684\u8cc7\u91d1\u63d0\u53d6\u6210\u73fe\u91d1\uff0c\u4e26\u5728\u6ac3\u6aaf\u91cd\u65b0\u5b58\u5165\uff0c\u90a3\u9ebc\u53ef\u4ee5\u88ab\u8996\u70ba\u65b0\u8cc7\uff0c\u5f9e\u800c\u6eff\u8db3\u9280\u884c\u7684\u8981\u6c42\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-color\" id=\"\u95dc\u65bc\u512a\u60e0\u5229\u606f\" style=\"color:#3e3e3e\"><strong>\u95dc\u65bc\u512a\u60e0\u5229\u606f<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u6709\u4e9b\u5b9a\u671f\u5b58\u6b3e\u7684\u5229\u606f\u770b\u4f3c\u5f88\u9ad8\uff0c\u6bd4\u5982Bank Islam\u6240\u63d0\u4f9b\u7684 5.9%\u5229\u606f\uff0c\u4f46\u5be6\u969b\u4e0a\u60c5\u6cc1\u53ef\u80fd\u4e26\u4e0d\u90a3\u9ebc\u7c21\u55ae\u3002\u4f60\u5b58\u5165\u7684\u8cc7\u91d1\u53ef\u80fd\u6703\u88ab\u5206\u621070:30\u6bd4\u4f8b\uff0c\u4f8b\u5982\u5b58\u5165RM10,000\uff0c\u5176\u4e2dRM7,000\u6703\u653e\u5165\u5b9a\u671f\u5b58\u6b3e\uff0c\u53e6\u5916RM3,000\u6703\u653e\u5165\u5176\u4ed6\u57fa\u91d1\u3002\u96d6\u7136RM7,000\u7684\u90e8\u5206\u53ef\u4ee5\u4eab\u53d75.9%\u7684\u5229\u606f\uff0c\u4f46\u53e6\u5916RM3,000\u53ea\u80fd\u4eab\u6709\u76840.05%\u5de6\u53f3\u7684\u5229\u606f\u3002<\/p>\n\n\n\n<p><em><i>RM7,000 x 5.9%=RM413.00<\/i><\/em><\/p>\n\n\n\n<p><em><i>RM3,000 x 0.05%=RM1.50<\/i><\/em><\/p>\n\n\n\n<p>\u6574\u9ad4\u8a08\u7b97\u4e0b\u4f86\uff0c\u6709\u6548\u5229\u7387\uff08Effective Rate, EIR\uff09\u50c5\u67094.145%\uff0cRM10,000\u5be6\u969b\u53ea\u80fd\u5f97\u5230RM414.50\u30025.9%\u4e0d\u904e\u662f\u500b\u5671\u982d\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-color\" id=\"\u95dc\u65bcfd\u5b58\u6b3e\u91d1\u984d\" style=\"color:#3e3e3e\"><strong>\u95dc\u65bcFD\u5b58\u6b3e\u91d1\u984d<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u9084\u6709\u4e00\u4e9b\u9280\u884c\u66f4\u52a0\u8a87\u5f35\uff0c\u8981\u6c42\u4f60\u4ee51\u6bd41\u7684\u6bd4\u4f8b\u5b58\u5165\u53e6\u4e00\u7b46\u8cc7\u91d1\u5230\u4fe1\u8a17\u57fa\u91d1\uff0c\u624d\u80fd\u5920\u7372\u5f97\u8d85\u9ad8\u7684\u5b9a\u671f\u5b58\u6b3e\u5229\u606f\u512a\u60e0\u3002\u96d6\u7136\u5b9a\u671f\u5b58\u6b3e\u662f\u6709\u5229\u606f\u4fdd\u969c\u7684\uff0c\u4f46\u53e6\u4e00\u908a\u56e0\u70ba\u662f\u4fe1\u8a17\u57fa\u91d1\uff0c\u6295\u8cc7\u6536\u76ca\u4e0d\u7a69\u5b9a\uff0c\u53ef\u80fd\u6703\u8667\u640d\uff0c\u800c\u4e14\u9084\u9700\u8981\u627f\u64d4\u57fa\u91d1\u7684\u624b\u7e8c\u8cbb\u548c\u7ba1\u7406\u8cbb\u3002\u9019\u6a23\u8a08\u7b97\u4e0b\u4f86\uff0c\u4f60\u7684\u5b9a\u671f\u5b58\u6b3e\u5be6\u969b\u4e0a\u53ef\u80fd\u4e26\u6c92\u6709\u592a\u5927\u7684\u512a\u52e2\u3002<\/p>\n\n\n\n<p>\u8acb\u5728\u8003\u616e\u7533\u8acb\u5b9a\u671f\u5b58\u6b3e\u6642\uff0c\u6ce8\u610f\u9280\u884c\u512a\u60e0\u80cc\u5f8c\u53ef\u80fd\u5b58\u5728\u7684\u6f5b\u898f\u5247\u548c\u9650\u5236\uff0c\u505a\u51fa\u660e\u667a\u7684\u6c7a\u7b56\u3002\u4ee5\u4e0a\u662f\u4e00\u4e9b\u5efa\u8b70\u548c\u63d0\u793a\uff0c\u5e0c\u671b\u5c0d\u5927\u5bb6\u6709\u6240\u5e6b\u52a9\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"fd\u5b9a\u671f\u5b58\u6b3e\u7684\u512a\u9ede\" style=\"color:#282364\"><strong>FD\u5b9a\u671f\u5b58\u6b3e\u7684\u512a\u9ede<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5728\u77ad\u89e3\u4e86FD\u7684\u5229\u7387\u5f8c\uff0c\u6211\u5011\u767c\u73feFD\u7684\u6536\u76ca\u5176\u5be6\u4e26\u4e0d\u7b97\u5f88\u9ad8\u3002\u90a3\u9ebc\uff0c\u70ba\u4ec0\u9ebc\u6211\u5011\u8981\u9078\u64c7\u628a\u9322\u5b58\u5728\u5b9a\u5b58\u5462\uff1f\u76f8\u6bd4\u65bc\u5176\u4ed6\u6295\u8cc7\u65b9\u5f0f\uff0c\u5b9a\u671f\u5b58\u6b3e\u6709\u4ec0\u9ebc\u512a\u9ede\uff1f<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"1-\u5b89\u5168\u6027\" style=\"color:#009bff\"><strong>1.\u5b89\u5168\u6027<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5118\u7ba1\u5b9a\u671f\u5b58\u6b3e\u662f\u500b\u4f4e\u98a8\u96aa\u7684\u6295\u8cc7\u5de5\u5177\uff0c\u4f46\u6211\u5011\u4e0d\u6392\u9664\u9280\u884c\u6709\u5012\u9589\u7684\u53ef\u80fd\u3002\u56e0\u6b64\uff0c\u5132\u6236\u5728\u5b58\u6b3e\u6642\u5fc5\u9808\u9078\u64c7\u7d0d\u5165PIDM\u6210\u54e1\u6a5f\u69cb\uff0c\u4ee5\u514d\u767c\u751f\u610f\u5916\u60c5\u6cc1\u6642\u7121\u6cd5\u7372\u5f97\u8ce0\u511f\u91d1\u3002\u9ede\u64ca<a href=\"https:\/\/www.pidm.gov.my\/en\/how-we-protect-you\/deposit-insurance-system\/member-banks\" target=\"_blank\" rel=\"noreferrer noopener\"><u>\u9019\u88cf<\/u><\/a>\u67e5\u770bPIDM\u6210\u54e1\u6a5f\u69cb\u3002<\/p>\n\n\n\n<p>\u7576PIDM\u7684\u6210\u54e1\u9280\u884c\u5012\u9589\u6642\uff0cPIDM\u5c07\u70ba\u8a72\u9280\u884c\u7684\u6bcf\u4f4d\u5b58\u6b3e\u4eba\u63d0\u4f9b\u6700\u9ad8RM250,000\u7684\u4fdd\u8b77\u3002\u800c\u5b9a\u671f\u5b58\u6b3e\u5c6c\u65bcPIDM\u7684\u53d7\u4fdd\u7bc4\u570d\u5167\u3002\u9019\u7a2e\u4fdd\u969c\u662f\u81ea\u52d5\u7684\uff0c\u5132\u6236\u4e0d\u9700\u8981\u7533\u8acb\uff0c\u4e5f\u4e0d\u9700\u8981\u70ba\u6b64\u652f\u4ed8\u4efb\u4f55\u8cbb\u7528\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"2-\u7a69\u5b9a\u7684\u56de\u5831\" style=\"color:#009bff\"><strong>2.\u7a69\u5b9a\u7684\u56de\u5831<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u8207\u80a1\u5e02\u8b8a\u5e7b\u83ab\u6e2c\u7684\u60c5\u6cc1\u4e0d\u540c\uff0c\u5b9a\u671f\u5b58\u6b3e\u5e33\u6236\u7684\u5229\u7387\u901a\u5e38\u662f\u56fa\u5b9a\u7684\uff0c\u9664\u975e\u592e\u884c\u8abf\u6574OPR\u653f\u7b56\u3002\u4e00\u822c\u800c\u8a00\uff0c\u7531\u65bcFD\u662f\u4e00\u7a2e\u5408\u7d04\uff0c\u53ea\u8981\u4f60\u4e0d \u201c\u6bc0\u7d04\u201d\uff0c\u5728\u9396\u5b9a\u671f\u5167\u4e0d\u63d0\u6b3e\uff0c\u5c31\u80fd\u7372\u5f97\u7a69\u5b9a\u7684\u56de\u5831\u3002\u9019\u7a2e\u7a69\u5b9a\u6027\u53ef\u4ee5\u5e6b\u52a9\u4f60\u898f\u5283\u4f60\u7684\u8ca1\u52d9\u76ee\u6a19\uff0c\u4e26\u78ba\u4fdd\u4f60\u7684\u8cc7\u91d1\u59cb\u7d42\u8655\u65bc\u5b89\u5168\u7684\u72c0\u614b\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"3-\u7c21\u55ae\u6613\u61c2\u7684\u88ab\u52d5\u6536\u5165\" style=\"color:#009bff\"><strong>3.\u7c21\u55ae\u6613\u61c2\u7684\u88ab\u52d5\u6536\u5165<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5b9a\u671f\u5b58\u6b3e\u7684\u958b\u8a2d\u548c\u7ba1\u7406\u5e7e\u4e4e\u53ef\u4ee5\u88ab\u5f62\u5bb9\u70ba \u201c\u50bb\u74dc\u5f0f\u64cd\u4f5c\u201d \uff0c\u5373\u4fbf\u6c92\u6709\u592a\u591a\u7684\u91d1\u878d\u77e5\u8b58\u4e5f\u80fd\u64cd\u4f5c\u3002\u53ea\u9700\u7c21\u55ae\u958b\u6236\uff0c\u5b58\u5165\u8cc7\u91d1\u4e26\u7b49\u5f85\u4e00\u5b9a\u671f\u9650\u5f8c\uff0c\u5c31\u80fd\u8f15\u9b06\u7372\u53d6\u88ab\u52d5\u6536\u5165\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"4-\u514d\u7a05\u5229\u606f\" style=\"color:#009bff\"><strong>4.\u514d\u7a05\u5229\u606f<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5728\u99ac\u4f86\u897f\u4e9e\uff0c\u500b\u4eba\u5f9e\u5b9a\u671f\u5b58\u6b3e\u91d1\u984d\u4e2d\u7372\u5f97\u7684\u5229\u606f\u662f<a href=\"https:\/\/www.hasil.gov.my\/syarikat\/pengecualian-cukai\/\" target=\"_blank\" rel=\"noreferrer noopener\"><u>\u514d\u7a05<\/u><\/a>\u7684\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"fd\u5b9a\u671f\u5b58\u6b3e\u7684\u7f3a\u9ede\" style=\"color:#282364\"><strong>FD\u5b9a\u671f\u5b58\u6b3e\u7684\u7f3a\u9ede<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"1-\u6536\u76ca\u4f4e\uff0c\u4e0d\u8db3\u4ee5\u62b5\u6297\u901a\u8ca8\u81a8\u8139\" style=\"color:#009bff\"><strong>1.\u6536\u76ca\u4f4e\uff0c\u4e0d\u8db3\u4ee5\u62b5\u6297\u901a\u8ca8\u81a8\u8139<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u76f8\u8f03\u65bc\u5176\u4ed6\u7406\u8ca1\u7522\u54c1\uff0c\u5b9a\u671f\u5b58\u6b3e\u7684\u6536\u76ca\u7387\u8f03\u4f4e\uff0c\u5c24\u5176\u662f\u5728\u901a\u8ca8\u81a8\u8139\u8f03\u70ba\u56b4\u91cd\u7684\u6642\u671f\uff0c\u5b58\u6b3e\u7684\u5be6\u969b\u6536\u76ca\u53ef\u80fd\u4e0d\u8db3\u4ee5\u62b5\u6d88\u901a\u8ca8\u81a8\u8139\u5e36\u4f86\u7684\u640d\u5931\u3002\u5982\uff1a\u76ee\u524d<a href=\"https:\/\/www.orientaldaily.com.my\/news\/business\/2023\/03\/24\/555102\" target=\"_blank\" rel=\"noreferrer noopener\"><u>\u99ac\u4f86\u897f\u4e9e\u7684\u901a\u81a8\u7387\u9ad8\u90543.7%<\/u><\/a>\uff0c\u800c\u5b9a\u5b58\u7684\u5229\u606f\u4ecb\u65bc1-4%\uff0c\u4e0d\u8db3\u4ee5\u6216\u8005\u52c9\u5f37\u61c9\u4ed8\u901a\u8ca8\u81a8\u8139\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"2-\u63d0\u6b3e\u53d7\u9650\" style=\"color:#009bff\"><strong>2.\u63d0\u6b3e\u53d7\u9650<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5b9a\u671f\u5b58\u6b3e\u901a\u5e38\u9700\u8981\u5728\u5b58\u671f\u7d50\u675f\u5f8c\u624d\u80fd\u9032\u884c\u8d16\u56de\uff0c\u800c\u5728\u5b58\u671f\u5167\u63d0\u524d\u8d16\u56de\u53ef\u80fd\u6703\u88ab\u6536\u53d6\u7f70\u606f\u6216\u8005\u7121\u6cd5\u63d0\u524d\u8d16\u56de\uff0c\u5f9e\u800c\u9650\u5236\u4e86\u8cc7\u91d1\u7684\u6d41\u52d5\u6027\u3002<\/p>\n\n\n\n<p>\u7279\u5225\u662f\u5982\u679c\u7576\u6211\u5011\u767c\u751f\u4e86\u7dca\u6025\u72c0\u6cc1\u9700\u8981\u99ac\u4e0a\u7528\u5230\u8cc7\u91d1\u6642\uff0c\u96d6\u7136\u5b9a\u5b58\u80fd\u5920\u63d0\u6b3e\uff08\u5c07\u640d\u5931\u5229\u606f\uff09\uff0c\u4f46\u662f\u5b9a\u5b58\u7684\u63d0\u6b3e\u4e00\u822c\u9700\u8981\u672c\u4eba\u5230\u9280\u884c\u6ac3\u6aaf\u5b8c\u6210\uff0c\u4e0d\u80fd\u5920\u76f4\u63a5\u5f9eATM\u62ff\u9322\uff0c\u6240\u4ee5\u4e00\u65e6\u662f\u9031\u672b\u767c\u751f\u7dca\u6025\u60c5\u6cc1\u8981\u7528\u9322\uff0c\u5c31\u975e\u5e38\u9ebb\u7169\u4e86\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u5efa\u8b70\u5927\u5bb6\u53ef\u4ee5\u4f7f\u7528e-FD\u3002\u96d6\u7136\u5b83\u662f\u5b9a\u671f\u5b58\u6b3e\uff0c\u4f46\u56e0\u70ba\u5168\u6b0a\u4f7f\u7528\u7db2\u8def\u7684\u7de3\u6545\uff0c\u4efb\u4f55\u6642\u5019\u6709\u6025\u7528\u90fd\u53ef\u4ee5\u7dda\u4e0a\u8f49\u8cec\u81f3\u4e00\u822c\u6236\u53e3\uff0c\u5373\u4f7f\u9031\u672b\u4e5f\u4e0d\u53d7\u5f71\u97ff\u3002\u9019\u6a23\u53ef\u4ee5\u66f4\u52a0\u9748\u6d3b\u5730\u61c9\u5c0d\u7dca\u6025\u60c5\u6cc1\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"3-\u5b58\u6b3e\u91d1\u984d\u53d7\u9650\" style=\"color:#009bff\"><strong>3.\u5b58\u6b3e\u91d1\u984d\u53d7\u9650<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4e00\u4e9b\u9280\u884c\u5c0d\u5b9a\u671f\u5b58\u6b3e\u7684\u6700\u4f4e\u5b58\u6b3e\u91d1\u984d\u6709\u8981\u6c42\uff0c\u6709\u53ef\u80fd\u9700\u8981\u4e00\u6b21\u6027\u5b58\u5165\u8f03\u5927\u7684\u91d1\u984d\uff0c\u5c0d\u65bc\u8cc7\u91d1\u8f03\u5c11\u7684\u4eba\u4f86\u8aaa\u53ef\u80fd\u8f03\u70ba\u4e0d\u4fbf\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"4-\u652f\u4ed8\u5229\u606f\u65b9\u5f0f\u55ae\u4e00\" style=\"color:#009bff\"><strong>4.\u652f\u4ed8\u5229\u606f\u65b9\u5f0f\u55ae\u4e00<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5b9a\u671f\u5b58\u6b3e\u7684\u5229\u606f\u652f\u4ed8\u65b9\u5f0f\u901a\u5e38\u53ea\u6709\u5230\u671f\u4e00\u6b21\u6027\u652f\u4ed8\u7684\u65b9\u5f0f\uff0c\u7121\u6cd5\u5be6\u73fe\u5206\u671f\u652f\u4ed8\u7b49\u591a\u7a2e\u65b9\u5f0f\u3002\u56e0\u6b64\uff0c\u5728\u9078\u64c7\u5b9a\u671f\u5b58\u6b3e\u6642\uff0c\u9700\u8981\u8003\u616e\u5230\u81ea\u5df1\u7684\u8cc7\u91d1\u9700\u6c42\u548c\u73fe\u91d1\u6d41\u60c5\u6cc1\u3002\u82e5\u9700\u8981\u5206\u671f\u652f\u4ed8\u6216\u8005\u6bcf\u6708\u5f97\u5230\u4e00\u5b9a\u7684\u73fe\u91d1\u6d41\uff0c\u53ef\u4ee5\u8003\u616e\u5176\u4ed6\u7406\u8ca1\u7522\u54c1\uff0c\u5982\u8ca8\u5e63\u57fa\u91d1\u3001\u50b5\u5238\u57fa\u91d1\u7b49\uff0c\u4ee5\u6eff\u8db3\u500b\u4eba\u7684\u8cc7\u91d1\u9700\u6c42\u3002\u540c\u6642\uff0c\u53ef\u4ee5\u5728\u4e0d\u540c\u7684\u6642\u9593\u6bb5\u9078\u64c7\u4e0d\u540c\u7684\u7406\u8ca1\u7522\u54c1\u9032\u884c\u6295\u8cc7\uff0c\u4ee5\u5be6\u73fe\u8cc7\u91d1\u7684\u591a\u5143\u5316\u914d\u7f6e\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"\u5982\u4f55\u8a08\u7b97\u5b9a\u671f\u5b58\u6b3e\u5229\u606f\uff1f\" style=\"color:#282364\"><strong>\u5982\u4f55\u8a08\u7b97\u5b9a\u671f\u5b58\u6b3e\u5229\u606f\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5b9a\u671f\u5b58\u6b3e\u7684\u5229\u606f\u901a\u5e38\u4ee5\u5e74\u5229\u7387\u70ba\u55ae\u4f4d\uff0c\u4f46\u5229\u606f\u7684\u8a08\u7b97\u537b<strong><b>\u6309\u5b58\u653e\u7684\u5be6\u969b\u5929\u6578\u8a08\u7b97<\/b><\/strong>\uff0c\u5e76\u5728\u6eff\u671f\u5f8c\u9762\u624d\u767c\u653e\u5229\u606f\u3002\u7531\u65bc\u6708\u4efd\u7684\u5929\u6578\u4e0d\u540c\uff0c\u8a08\u7b97\u5929\u6578\u53ef\u80fd\u662f28\u5929\u300129\u5929\u300130\u5929\u621631\u5929\uff0c\u4ee5\u8a72\u6708\u4efd\u7684\u5929\u6578\u7232\u6e96\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u6b65\u9a5f-1-\uff1a\u8a08\u7b97\u5be6\u969b\u5229\u7387\uff08-effective-interest-rate-eir\uff09\" style=\"color:#009bff\"><strong>\u6b65\u9a5f1\uff1a\u8a08\u7b97\u5be6\u969b\u5229\u7387\uff08Effective Interest Rate, EIR\uff09<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5be6\u969b\u5229\u7387Effective Interest Rate={\uff08\u5e74\u5229\u7387\u00f712\u500b\u6708\uff09\u00d7 \u5b58\u6b3e\u671f\u9650\uff08\u6708\u4efd\uff09 } \u00d7100<\/p>\n\n\n\n<p>\u5047\u8a2d\u4f60\u5c07RM10,000\u5b58\u51656\u500b\u6708\u70ba\u671f\u9650\u7684\u5b9a\u5b58\u5e33\u6236\uff0c\u5e74\u5229\u7387\u70ba3.5%\uff0c\u90a3\u9ebc\u6839\u64da\u516c\u5f0f\uff0c\u5be6\u969b\u5229\u7387\u70ba\uff1a<\/p>\n\n\n\n<p>{\uff080.035 \u00f7 12\uff09\u00d7 6 } \u00d7100 = 1.75%<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u6b65\u9a5f-2-\uff1a\u8a08\u7b97\u5229\u606f\" style=\"color:#009bff\"><strong>\u6b65\u9a5f2\uff1a\u8a08\u7b97\u5229\u606f<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5229\u606f=\u5b58\u6b3e\u91d1\u984dx \u5229\u7387 x (\u7e3d\u5b58\u6b3e\u5929\u6578 \/ \u4e00\u5e74\u5929\u6578)<\/p>\n\n\n\n<p>RM10,000 \u00d7 1.75%  x  (180 \/ 365) = RM 86.30<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u5982\u679c\u4f60\u5728RM10,000\u76846\u500b\u6708\u5b9a\u671f\u5b58\u6b3e\u671f\u6eff\u6642\u63d0\u53d6\uff0c\u4f60\u5c07\u7372\u5f97 RM 86.30\u7684\u5229\u606f\u6536\u76ca\u3002\u8acb\u6ce8\u610f\uff0c\u5be6\u969b\u5229\u606f\u53ef\u80fd\u56e0\u9280\u884c\u548c\u5e33\u6236\u985e\u578b\u800c\u7570\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"\u5982\u4f55\u7372\u5f97\u66f4\u9ad8\u7684\u5b9a\u671f\u5b58\u6b3e\u5229\u606f\uff1f\" style=\"color:#282364\"><strong>\u5982\u4f55\u7372\u5f97\u66f4\u9ad8\u7684\u5b9a\u671f\u5b58\u6b3e\u5229\u606f\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u60f3\u7372\u5f97\u66f4\u9ad8\u7684\u5b9a\u671f\u5b58\u6b3e\u5229\u606f\uff0c\u4f60\u53ef\u4ee5\u63a1\u53d6\u4ee5\u4e0b\u63aa\u65bd\uff1a<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u6bd4\u8f03\u4e0d\u540c\u9280\u884c\u7684\u5229\u7387\" style=\"color:#009bff\"><strong>\u6bd4\u8f03\u4e0d\u540c\u9280\u884c\u7684\u5229\u7387<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4e0d\u540c\u7684\u9280\u884c\u53ef\u80fd\u6703\u63d0\u4f9b\u4e0d\u540c\u7684\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\u3002\u56e0\u6b64\uff0c\u5728\u9078\u64c7\u5b9a\u671f\u5b58\u6b3e\u5e33\u6236\u6642\uff0c\u4f60\u53ef\u4ee5\u5229\u7528\u6211\u5011\u6574\u7406\u7684\u6578\u64da\uff0c\u6bd4\u8f03\u4e0d\u540c\u9280\u884c\u7684\u5229\u7387\u4ee5\u627e\u5230\u6700\u597d\u7684\u5229\u7387\u3002\u6211\u5011\u5c07\u5728\u6bcf\u500b\u6708\u66f4\u65b0\u99ac\u4f86\u897f\u4e9e\u5404\u5927\u9280\u884c\u7684\u6700\u65b0\u5229\u7387\u53ca\u512a\u60e0\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u9078\u64c7\u66f4\u9577\u7684\u5b58\u6b3e\u671f\u9650\" style=\"color:#009bff\"><strong>\u9078\u64c7\u66f4\u9577\u7684\u5b58\u6b3e\u671f\u9650<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u901a\u5e38\u60c5\u6cc1\u4e0b\uff0c\u5b9a\u671f\u5b58\u6b3e\u7684\u5229\u7387\u8207\u5b58\u6b3e\u671f\u9650\u6210\u6b63\u6bd4\u3002\u5982\u679c\u4f60\u53ef\u4ee5\u63a5\u53d7\u66f4\u9577\u7684\u5b58\u6b3e\u671f\u9650\uff0c\u4f60\u53ef\u4ee5\u7372\u5f97\u66f4\u9ad8\u7684\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\u3002\u4f8b\u5982\uff0c\u4e00\u5e74\u671f\u7684\u5b9a\u671f\u5b58\u6b3e\u5e33\u6236\u53ef\u80fd\u53ea\u67092%\u7684\u5229\u7387\uff0c\u4f46\u4e94\u5e74\u671f\u7684\u5b9a\u671f\u5b58\u6b3e\u5e33\u6236\u53ef\u80fd\u67095%\u7684\u5229\u7387\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u9078\u64c7\u5b58\u5165\u66f4\u591a\u7684\u5b58\u6b3e\" style=\"color:#009bff\"><strong>\u9078\u64c7\u5b58\u5165\u66f4\u591a\u7684\u5b58\u6b3e<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4e00\u822c\u800c\u8a00\uff0c\u9280\u884c\u70ba\u4e86\u9f13\u52f5\u5ba2\u6236\u4e00\u6b21\u6027\u5b58\u5165\u66f4\u9ad8\u7684\u91d1\u984d\uff0c\u5f9e\u800c\u4f7f\u9280\u884c\u66f4\u5bb9\u6613\u7ba1\u7406\u5176\u8cc7\u91d1\u6d41\u52d5\u6027\uff0c\u9280\u884c\u5c07\u5c0d\u65bc\u5b58\u5165\u8cc7\u91d1\u66f4\u591a\u7684\u7528\u6236\u63d0\u4f9b\u66f4\u9ad8\u7684\u5229\u7387\u3002\u4f8b\u5982\uff1aRM10,000\u7684\u5b9a\u671f\u5b58\u6b3e\u5e33\u6236\u80fd\u7372\u5f974%\u7684\u5229\u7387\uff0c\u800cRM1,000\u7684\u5b58\u6b3e\u53ef\u80fd\u53ea\u80fd\u67093%\u7684\u5229\u7387\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u53c3\u8207\u9280\u884c\u7684fd\u512a\u60e0\" style=\"color:#009bff\"><strong>\u53c3\u8207\u9280\u884c\u7684FD\u512a\u60e0<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5404\u5927\u9280\u884c\u5c07\u4e0d\u5b9a\u6642\u7d66\u4e88\u5b9a\u5b58\u512a\u60e0\uff0c\u4e00\u822c\u6703\u5728\u99ac\u4f86\u897f\u4e9e\u7bc0\u6176\u671f\u9593\u516c\u4f48\u512a\u60e0\u7d30\u7bc0\u3002\u5982\u6211\u5011\u5728\u4e0a\u6587\u6240\u5217\u76845\u6708\u4efdFD\u512a\u60e0\u6b63\u662f\u61c9\u958b\u9f4b\u7bc0\u800c\u8a2d\u3002\u5728\u9019\u671f\u9593\u5132\u84c4\u7684\u7528\u6236\u5c07\u53ef\u4ee5\u7372\u5f97\u6bd4\u5e73\u6642\u66f4\u9ad8\u7684\u512a\u60e0\u3002<\/p>\n\n\n\n<p>\u4e0d\u904e\uff0c\u5132\u6236\u9700\u8981\u6ce8\u610f\u512a\u60e0\u6d3b\u52d5\u7684\u53c3\u8207\u689d\u4ef6\u3002\u4e00\u4e9b\u512a\u60e0\u8981\u6c42\u50c5\u9650\u65b0\u8cc7\uff08Fresh fund\uff09\u53c3\u8207\u3002\u65b0\u8cc7\u6307\u7684\u662f\u4ee5\u9280\u884c\u672a\u66fe\u627f\u8a8d\u6216\u63a5\u53d7\u7684\u65b0\u9bae\u8cc7\u91d1\u4f5c\u70ba\u5b9a\u671f\u5b58\u6b3e\u7684\u8cc7\u91d1\u4f86\u6e90\u3002\u9019\u4e9b\u8cc7\u91d1\u901a\u5e38\u4f86\u81ea\u65bc\u5ba2\u6236\u7684\u5176\u4ed6\u9280\u884c\u5e33\u6236\u6216\u73fe\u91d1\u5b58\u6b3e\uff0c\u800c\u4e0d\u662f\u4f86\u81ea\u65bc\u5df2\u5b58\u5728\u65bc\u9280\u884c\u5e33\u6236\u4e2d\u7684\u8cc7\u91d1\u3002\u9280\u884c\u53ef\u80fd\u6703\u5c0d\u9019\u4e9b\u65b0\u8cc7\u91d1\u63d0\u4f9b\u66f4\u9ad8\u7684\u5229\u7387\uff0c\u4ee5\u9f13\u52f5\u5ba2\u6236\u5c07\u8cc7\u91d1\u5b58\u5165\u8a72\u9280\u884c\u7684\u5b9a\u671f\u5b58\u6b3e\u5e33\u6236\u4e2d\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u9078\u64c7\u5916\u5e63\u5b9a\u671f\u5b58\u6b3e\u5e33\u6236\" style=\"color:#009bff\"><strong>\u9078\u64c7\u5916\u5e63\u5b9a\u671f\u5b58\u6b3e\u5e33\u6236<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5916\u5e63\u5b9a\u671f\u5b58\u6b3e\u9867\u540d\u601d\u7fa9\uff0c\u5c31\u662f\u4f7f\u7528\u5176\u4ed6\u8ca8\u5e63\uff0c\u5982\u65b0\u5e63\u3001\u7f8e\u5143\u9032\u884c\u5b9a\u671f\u5b58\u6b3e\uff0c\u4e00\u6a23\u5728\u4e00\u5b9a\u7684\u9396\u5b9a\u671f\u5f8c\u624d\u80fd\u63d0\u6b3e\u3002\u4f46\u662f\uff0c\u5b83\u7684\u5229\u7387\u901a\u5e38\u6bd4\u540c\u7b49\u671f\u9650\u7684\u4ee4\u5409\u5b9a\u671f\u5b58\u6b3e\u8981\u9ad8\u3002\u9019\u662f\u56e0\u70ba\u5916\u5e63\u6bd4\u4ee4\u5409\u7684\u514c\u63db\u7387\u66f4\u9ad8\u3002\u7136\u800c\uff0c\u5916\u5e63\u5b9a\u671f\u5b58\u6b3e\u5b58\u5728\u5916\u532f\u98a8\u96aa\uff0c\u9700\u8981\u6295\u8cc7\u8005\u627f\u64d4\u4e00\u5b9a\u7684\u98a8\u96aa\uff0c\u56e0\u6b64\u9280\u884c\u6703\u63d0\u4f9b\u66f4\u9ad8\u7684\u5229\u7387\u4f5c\u70ba\u88dc\u511f\u3002\u6b64\u5916\uff0c\u9700\u8981\u6ce8\u610f\u7684\u662f\u5916\u5e63\u5b9a\u671f\u5b58\u6b3e\u5b58\u5728\u532f\u7387\u6ce2\u52d5\u7684\u98a8\u96aa\uff0c\u5982\u679c\u532f\u7387\u6ce2\u52d5\u4e0d\u5229\uff0c\u53ef\u80fd\u6703\u5c0e\u81f4\u672c\u91d1\u53d7\u640d\u3002\u56e0\u6b64\uff0c\u5728\u8003\u616e\u6295\u8cc7\u5916\u5e63\u5b9a\u671f\u5b58\u6b3e\u6642\uff0c\u9700\u8981\u6839\u64da\u81ea\u5df1\u7684\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u505a\u51fa\u7406\u6027\u7684\u6295\u8cc7\u6c7a\u7b56\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"\u7e3d\u7d50\" style=\"color:#282364\"><strong>\u7e3d\u7d50<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u7e3d\u800c\u8a00\u4e4b\uff0c\u5b9a\u671f\u5b58\u6b3e\u53ef\u4ee5\u70ba\u90a3\u4e9b\u60f3\u8981\u5b89\u5168\u800c\u7a69\u5b9a\u5730\u589e\u52a0\u5132\u84c4\u7684\u4eba\u63d0\u4f9b\u4e00\u500b\u5f88\u597d\u7684\u9078\u64c7\u3002\u7136\u800c\uff0c\u5b9a\u671f\u5b58\u6b3e\u7684\u6536\u76ca\u76f8\u5c0d\u5176\u4ed6\u6295\u8cc7\u65b9\u5f0f\u4f86\u8aaa\u53ef\u80fd\u6703\u6bd4\u8f03\u4f4e\uff0c\u56e0\u6b64\uff0c\u5b9a\u671f\u5b58\u6b3e\u9069\u5408\u90a3\u4e9b\u6ce8\u91cd\u5b89\u5168\u6027\u7684\u6295\u8cc7\u8005\uff0c\u800c\u4e0d\u662f\u90a3\u4e9b\u5e0c\u671b\u7372\u5f97\u9ad8\u56de\u5831\u7387\u7684\u4eba\u3002<\/p>\n\n\n\n<p>\u6642\u9593\u5c31\u662f\u91d1\u9322\u3002\u5118\u65e9\u958b\u59cb\u5b9a\u5b58\uff0c\u53ef\u4ee5\u8b93\u4f60\u7684\u8cc7\u91d1\u66f4\u5feb\u5730\u7372\u5f97\u589e\u503c\u3002\u96a8\u8457\u6642\u9593\u7684\u63a8\u79fb\uff0c\u4f60\u7684\u5229\u606f\u6536\u76ca\u6703\u9010\u6f38\u7d2f\u7a4d\uff0c\u5e36\u4f86\u66f4\u9ad8\u7684\u6536\u76ca\u3002\u5728\u9078\u64c7\u5b9a\u671f\u5b58\u6b3e\u6642\uff0c\u9700\u8981\u6ce8\u610f\u5b58\u6b3e\u671f\u9650\u3001\u5229\u7387\u3001\u5b58\u6b3e\u65b9\u5f0f\u7b49\u56e0\u7d20\uff0c\u4ee5\u4fbf\u7372\u5f97\u6700\u5927\u7684\u6536\u76ca\u3002\u5b9a\u671f\u5b58\u6b3e\u53ef\u4ee5\u5e6b\u52a9\u4f60\u5728\u7d93\u6fdf\u4e0d\u78ba\u5b9a\u7684\u6642\u671f\u7a69\u5b9a\u8cc7\u91d1\uff0c\u4e26\u4e14\u63d0\u4f9b\u53ef\u9810\u6e2c\u7684\u6536\u76ca\u3002\u4e0d\u7ba1\u4f60\u7684\u8ca1\u52d9\u76ee\u6a19\u662f\u4ec0\u9ebc\uff0c\u5b9a\u671f\u5b58\u6b3e\u90fd\u662f\u4e00\u500b\u503c\u5f97\u8003\u616e\u7684\u9078\u9805\u3002<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ff008c\">\u4f46\u662f\uff0c<strong>\u5982\u679c\u4f60\u60f3\u7372\u5f97\u6bd4FD\u66f4\u9ad8\u7684\u56de\u916c\uff0c\u6295\u8cc7\u80a1\u7968\u5c07\u662f\u66f4\u597d\u7684\u9078\u64c7<\/strong>\uff01<\/p>\n\n\n\n<p>\u4e0d\u904e\uff0c\u76f8\u4fe1\u5927\u5bb6\u4e5f\u77e5\u9053\u80a1\u7968\u56de\u5831\u9ad8\uff0c\u98a8\u96aa\u4e5f\u9ad8\uff01\u5982\u679c\u4e0d\u6703\u9078\u64c7\u80a1\u7968\uff0c\u8cbf\u7136\u9032\u5834\uff0c\u5c07\u53ef\u80fd\u6703\u50be\u5bb6\u8569\u7522\u3002<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ff008c\">\u98a8\u96aa\u662f\u5f88\u96e3\u907f\u514d\u7684\uff0c\u4e0d\u904e\uff0c\u6211\u5011\u7684<strong>\u300a\u5be6\u6230\u80a1\u7968\u6295\u8cc7\u8ab2\u300b<\/strong>\u5c07\u6559\u4f60\u5982\u4f55<strong>\u5c07\u98a8\u96aa\u964d\u5230\u6700\u4f4e<\/strong>\uff1a<\/p>\n\n\n\n<ul>\n<li>\u544a\u8a34\u4f60\u4ec0\u9ebd\u6642\u5019\u61c9\u8a72\u8cb7\u5165\u3001\u8ce3\u51fa<\/li>\n\n\n\n<li>\u5982\u4f55\u9078\u64c7\u8cfa\u9322\u7684\u512a\u8cea\u80a1<\/li>\n\n\n\n<li>\u5982\u4f55\u5efa\u7acb\u9069\u5408\u81ea\u5df1\u7684\u6295\u8cc7\u7d44\u5408<\/li>\n\n\n\n<li>\u770b\u61c2\u80a1\u7968\u6307\u6a19<\/li>\n\n\n\n<li>\u6559\u4f60\u5206\u6790\u512a\u8cea\u80a1\u548c\u5783\u573e\u80a1\u80cc\u5f8c\u7684\u79d8\u5bc6<\/li>\n\n\n\n<li>\u8a55\u4f30\u98a8\u96aa<\/li>\n\n\n\n<li>\u9078\u64c7\u5408\u9069\u7684\u6295\u8cc7\u5e73\u81fa<\/li>\n<\/ul>\n\n\n\n<p><img decoding=\"async\" sizes=\"(max-width: 1024px) 100vw, 1024px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/04\/\u5be6\u6230\u80a1\u7968\u6295\u8cc7\u8ab2-1536x864-1-1024x576.png 1024w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/04\/\u5be6\u6230\u80a1\u7968\u6295\u8cc7\u8ab2-1536x864-1-300x169.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/04\/\u5be6\u6230\u80a1\u7968\u6295\u8cc7\u8ab2-1536x864-1-768x432.png 768w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/04\/\u5be6\u6230\u80a1\u7968\u6295\u8cc7\u8ab2-1536x864-1.png 1536w\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/04\/\u5be6\u6230\u80a1\u7968\u6295\u8cc7\u8ab2-1536x864-1-1024x576.png\" alt=\"\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link wp-element-button\" href=\"http:\/\/bit.ly\/41q8Rhr\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u9ede\u6211\u5831\u540d<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p>\u5982\u679c\u4f60\u60f3\u8981\u6295\u8cc7\uff0c\u537b\u4e0d\u77e5\u9053\u600e\u9ebd\u958b\u59cb\uff0c\u554f\u7236\u6bcd\u610f\u898b\u4ed6\u5011\u89ba\u5f97\u5f88\u5371\u96aa\u52f8\u4f60\u4e0d\u8981\u78b0\uff0c\u554f\u670b\u53cb\u610f\u898b\u6709\u7684\u548c\u4f60\u8aac\u6bd4\u7279\u5e63\u597d\uff0c\u6709\u7684\u8aac\u623f\u5730\u7522\u597d\uff0c\u6709\u7684\u8aac\u57fa\u91d1\u6bd4\u8f03\u4fdd\u96aa\u3002\u4f46\u662f\uff0c\u6bcf\u500b\u4eba\u7684\u8ca1\u52d9\u76ee\u6a19\u662f\u4e0d\u4e00\u6a23\u7684\uff0c\u6536\u5165\u60c5\u6cc1\u4e5f\u4e0d\u540c\uff0c\u4ed6\u5011\u7684\u610f\u898b\u6709\u53c3\u8003\u50f9\u503c\u55ce\uff1f\u5e02\u9762\u4e0a\u90a3\u9ebd\u591a\u6295\u8cc7\u5de5\u5177\/\u7522\u54c1\uff0c\u54ea\u500b\u66f4\u7b26\u5408\u6211\u7684\u5be6\u969b\u60c5\u6cc1\uff1f<\/p>\n\n\n\n<p>\u4f60\u6216\u8a31\u53ef\u4ee5\u5831\u540d\u6211\u5011\u7684<b>\u300a\u5f9e0\u958b\u59cb\u5b78\u6295\u8cc7\u300b<\/b>\u7dda\u4e0a\u5de5\u4f5c\u574a\uff01<\/p>\n\n\n\n<p>\u807c\u807c\u770bSpark\u2014\u2014\u64c1\u6709\u99ac\u4f86\u897f\u4e9e\u8a3b\u518a\u8ca1\u52d9\u898f\u5283\u5e2b\u6587\u6191 (Registered Financial Planner, RFP)\u7684\u4e2d\u7acb\u548c\u5c08\u696d\u5efa\u8b70\uff01\u4ed6\u5c07\u548c\u4f60\u5206\u6790\uff1a<\/p>\n\n\n\n<section data-id=\"f51d370\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n<ul>\n<li>\u5e02\u9762\u4e0a\u90a3\u9ebd\u591a\u6295\u8cc7\u5de5\u5177\uff0c\u54ea\u4e00\u500b\u66f4\u597d<\/li>\n<li>\u5982\u4f55\u6b63\u78ba\u5730\u6295\u8cc7\uff0c\u964d\u4f4e\u8ce0\u6389\u8840\u6c57\u9322\u7684\u98a8\u96aa<\/li>\n<li>\u4e0d\u77e5\u9053\u81ea\u5df1\u7684\u98a8\u96aa\u504f\u597d\uff0c\u9069\u5408\u4ec0\u9ebd\u6a23\u7684\u6295\u8cc7\u5de5\u5177<\/li>\n<li>\u60f3\u77e5\u9053\u5728\u4e0d\u540c\u7684\u968e\u6bb5\u5982\u4f55\u5275\u9020\u88ab\u52d5\u6536\u5165<\/li>\n<li>\u60f3\u8981\u9760\u6295\u8cc7\u63d0\u524d\u9000\u4f11<\/li>\n<\/ul>\n<p><b>2023\u5e745\u67084\u65e5\uff0c\u665a\u4e0a9\u9ede\u6b63\u5f0f\u958b\u8ab2\uff01<\/b>\u9650<b>\u999650\u4f4d\u514d\u8cbb\uff01<\/b>\u8d95\u5feb\u5831\u540d\uff01\u5148\u5230\u5148\u5f97\uff01<\/p>\n<\/section>\n\n\n\n<p><img decoding=\"async\" sizes=\"(max-width: 940px) 100vw, 940px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/04\/\u5f9e0\u958b\u59cb\u5b78\u6295\u8cc7-1.jpg 940w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/04\/\u5f9e0\u958b\u59cb\u5b78\u6295\u8cc7-1-300x251.jpg 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/04\/\u5f9e0\u958b\u59cb\u5b78\u6295\u8cc7-1-768x644.jpg 768w\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/04\/\u5f9e0\u958b\u59cb\u5b78\u6295\u8cc7-1.jpg\" alt=\"\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/bit.ly\/3neSLsQ\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u9ede\u6211\u5831\u540d<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"\u5ef6\u4f38\u95b2\u8b80\" style=\"color:#282364\"><strong>\u5ef6\u4f38\u95b2\u8b80<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/what-is-foreign-currency-fixed-deposit\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u5916\u5e01\u5b9a\u671f\u5b58\u6b3e\uff08FCFD\uff09\u548c\u666e\u901aFD\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f\u9a6c\u5e01\u8d2c\u503c\uff0c\u8fd9\u662f\u6700\u5b89\u5168\u7684\u8d5a\u5916\u6c47\u65b9\u6cd5\uff01<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/malaysia-top-5-high-interest-savings-accounts\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>2023 \u5e74\u9a6c\u6765\u897f\u4e9a\u50a8\u84c4\u6237\u53e3\u5229\u606f\u6700\u9ad8 TOP 5\uff01\u5229\u606f6.15% \u5ab2\u7f8e FD\uff01<\/strong><\/a><\/p>\n\n\n\n<p><strong><a href=\"https:\/\/valueinmind.co\/zh\/malaysia-top-5-salary-account\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u9a6c\u6765\u897f\u4e9a\u6700 BEST Salary Account TOP 5! 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Deposit\uff09\u7684\u4e0d\u540c\u985e\u578b\u3001\u671f\u9650\uff0c\u4ee5\u53ca2023\u5e748\u6708\u4efd\u99ac\u4f86\u897f\u4e9e\u5404\u5927\u9280\u884c\u6700\u65b0\u7684FD\u5229\u606f\u548c\u512a\u60e0\u8cc7\u8a0a\uff0c\u9084\u63d0\u4f9b\u4e86\u4e00\u4e9b\u5efa\u8b70\u548c\u63d0\u793a\u3002\u5982\u679c\u4f60\u6b63\u8003\u616e\u7533\u8acb\u5b9a\u671f\u5b58\u6b3e\uff0c\u9019\u7bc7\u6587\u7ae0\u662f\u4e00\u500b\u503c\u5f97\u53c3\u8003\u7684\u6307\u5357\u54e6\uff01<\/p>\n","protected":false},"author":62,"featured_media":38257,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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