{"id":673,"date":"2022-10-31T00:00:00","date_gmt":"2022-10-31T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-asia\/2022\/10\/31\/money-management-are-you-making-these-common-mistakes\/"},"modified":"2024-03-04T14:00:04","modified_gmt":"2024-03-04T14:00:04","slug":"money-management-are-you-making-these-common-mistakes","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/tc-asia\/insights\/money-management-are-you-making-these-common-mistakes","title":{"rendered":"\u8cc7\u91d1\u898f\u5283\uff1a\u60a8\u72af\u4e86\u9019\u4e9b\u932f\u8aa4\u55ce\uff1f"},"content":{"rendered":"\n

\u65b0\u51a0\u75ab\u60c5\u4e4b\u985e\u7684\u7a81\u767c\u4e8b\u4ef6\u3001\u4e0d\u65b7\u8b8a\u5316\u7684\u7d93\u6fdf\u8207\u5730\u7de3\u653f\u6cbb\u683c\u5c40\u4ee5\u53ca\u91d1\u878d\u670d\u52d9\u7684\u5168\u65b0\u8da8\u52e2\u90fd\u53ef\u80fd\u6703\u5f71\u97ff\u60a8\u7684\u8ca1\u52d9\u72c0\u6cc1\u53ca\u8cc7\u91d1\u7ba1\u7406\u65b9\u5f0f\u3002\u8981\u60f3\u4fdd\u8b77\u597d\u60a8\u81ea\u5df1\u53ca\u60a8\u7684\u8cc7\u7522\uff0c\u5207\u8a18\u8981\u907f\u958b\u4ee5\u4e0b\u5e38\u898b\u9677\u9631\u3002<\/p>\n\n\n\n

\u9677\u9631 1<\/strong>\uff1a\u592a\u9072\u958b\u59cb\u8ca1\u52d9\u7ba1\u7406<\/strong><\/h2>\n\n\n\n

\u6839\u64da\u7d93\u6fdf\u5408\u4f5c\u66a8\u767c\u5c55\u7d44\u7e54\/\u570b\u969b\u91d1\u878d\u7406\u8ca1\u6559\u80b2\u7db2\u7d61 (Organisation for Economic Cooperation and Development\/International Network on Financial Education, OECD\/INFE) 2020 \u5e74\u570b\u969b\u6210\u5e74\u4eba\u8ca1\u52d9\u7d20\u990a\u8abf\u67e5\u7684\u7d50\u679c\uff0c\u76f8\u6bd4\u4e2d\u5e74\u4eba\u58eb\uff0830 \u81f3 59 \u6b72\uff09\u548c\u5e74\u9577\u8005\uff0860 \u6b72\u6216\u4ee5\u4e0a\uff09\uff0c18 \u81f3 29 \u6b72\u5e74\u8f15\u4eba\u7684\u8ca1\u52d9\u7d20\u990a\u6c34\u5e73\u8f03\u4f4e\u3002<\/p>\n\n\n\n

\u5118\u7ba1\u4eba\u5011\u901a\u5e38\u5728\u7279\u5b9a\u7684\u4eba\u751f\u968e\u6bb5\u624d\u6703\u9762\u81e8\u8ca1\u52d9\u6c7a\u7b56\uff0c\u4f46\u57f9\u990a\u7a69\u5065\u7684\u8ca1\u52d9\u7ba1\u7406\u6280\u80fd\u537b\u5b9c\u65e9\u4e0d\u5b9c\u9072\u3002<\/p>\n\n\n\n

RBC \u8ca1\u5bcc\u7ba1\u7406\u4e9e\u6d32\u5340\u8463\u4e8b\u7e3d\u7d93\u7406\u66a8\u8ca1\u5bcc\u898f\u5283\u53ca\u53d7\u8a17\u670d\u52d9\u4e3b\u7ba1\u59dc\u5cfb\u6afb\u8868\u793a\uff0c\u5c0d\u65bc\u8ca1\u5bcc\u7e7c\u627f\u4eba\u800c\u8a00\uff0c\u638c\u63e1\u9019\u7a2e\u6280\u80fd\u5c24\u70ba\u91cd\u8981\u3002\u5979\u5efa\u8b70\u5927\u5bb6\u76e1\u65e9\u958b\u59cb\u5b78\u7fd2\u91d1\u878d\u7406\u8ca1\u77e5\u8b58\u3002<\/p>\n\n\n\n

\u59dc\u5cfb\u6afb\u8ca0\u8cac\u7ba1\u7406\u773e\u591a\u9ad8\u6de8\u503c\u5ba2\u6236\uff0c\u9019\u4e9b\u5ba2\u6236\u4f86\u81ea\u4e0d\u540c\u7684\u5e74\u9f61\u968e\u6bb5\uff0c\u5176\u4e2d\u90e8\u5206\u4eba\u9084\u89aa\u8eab\u53c3\u8207\u4e86\u8de8\u4ee3\u8ca1\u5bcc\u7ba1\u7406\u3002<\/p>\n\n\n\n

\u9996\u5148\uff0c\u59dc\u5cfb\u6afb\u5efa\u8b70\u5bb6\u9577\u5728\u5b50\u5973 12 \u6b72\u6642\u4fbf\u958b\u59cb\u5411\u4ed6\u5011\u704c\u8f38\u8cc7\u91d1\u7ba1\u7406\u77e5\u8b58\uff0c\u5982\u679c\u53ef\u884c\u7684\u8a71\uff0c\u5728 18 \u6b72\u6642\u5373\u53ef\u9f13\u52f5\u4ed6\u5011\u958b\u59cb\u81ea\u5df1\u7684\u6295\u8cc7\u4e4b\u65c5\u3002<\/p>\n\n\n\n

\u60a8\u53ef\u4ee5\u62ff\u51fa\u4e00\u7b46\u8cc7\u91d1\uff0c\u8b93\u5b50\u5973\u5728\u5bb6\u9577\u6216\u8ca1\u52d9\u9867\u554f\u7684\u76e3\u7763\u4e0b\u8ca0\u8cac\u7ba1\u7406\u9019\u7b46\u8cc7\u91d1\u3002<\/p>\n\n\n\n

\u59dc\u5cfb\u6afb\u8aaa\u9053\uff1a\u300c\u7d19\u4e0a\u5f97\u4f86\u7d42\u89ba\u6dfa\uff0c\u7d55\u77e5\u6b64\u4e8b\u8981\u8eac\u884c\u3002\u60a8\u9700\u8981\u4e0d\u65b7\u5730\u7a4d\u7d2f\u8207\u9867\u554f\u5408\u4f5c\u4e26\u5b78\u7fd2\u7ba1\u7406\u81ea\u5df1\u8ca1\u5bcc\u7684\u7d93\u9a57\u3002\u300d<\/p>\n\n\n\n

\u6771\u4eac\u7684\u4e9e\u6d32\u958b\u767c\u9280\u884c\u7814\u7a76\u6240 (Asian Development Bank Institute) \u7684\u9ad8\u7d1a\u8aee\u8a62\u7d93\u6fdf\u5b78\u5bb6\u66a8\u9662\u9577\u9867\u554f Peter Morgan \u4ea6\u5341\u5206\u8d0a\u540c\u59dc\u5cfb\u6afb\u7684\u5efa\u8b70\u3002<\/p>\n\n\n\n

Morgan \u8868\u793a\uff0c\u5be6\u8e10\u51fa\u771f\u77e5\u3002\u53ea\u6709\u5728\u5be6\u8e10\u4e2d\uff0c\u6211\u5011\u624d\u80fd\u66f4\u597d\u5730\u638c\u63e1\u548c\u904b\u7528\u9019\u4e9b\u6280\u80fd\u3002\u300c\u9019\u5305\u62ec\u6295\u8cc7\u65bc\u5404\u7a2e\u91d1\u878d\u548c\u6709\u5f62\u8cc7\u7522\uff08\u4f8b\u5982\u4f4f\u623f\uff09\u4ee5\u53ca\u501f\u8cb8\u7b49\u3002\u300d<\/p>\n\n\n\n

\u9677\u9631 2<\/strong>\uff1a\u62d2\u7d55\u8207\u5bb6\u4eba\u8a0e\u8ad6\u6295\u8cc7\u8a08\u5283<\/strong><\/h2>\n\n\n\n

\u6e9d\u901a\u662f\u975e\u5e38\u91cd\u8981\u7684\u4e00\u74b0\u3002\u7136\u800c\uff0c\u7576\u8ac7\u5230\u8207\u4e0b\u4e00\u4ee3\u6709\u95dc\u7684\u7e7c\u627f\u898f\u5283\u8207\u6295\u8cc7\u6642\uff0c\u4e26\u975e\u6240\u6709\u5bb6\u5ead\u90fd\u6703\u958b\u8aa0\u5e03\u516c\u5730\u8a0e\u8ad6\u9019\u4e9b\u8a71\u984c\u3002<\/p>\n\n\n\n

RBC \u8ca1\u5bcc\u7ba1\u7406\u4e9e\u6d32\u5340\u8ca1\u5bcc\u898f\u5283\u5e2b\u8a79\u76ca\u6bc5\u8868\u793a\uff1a\u300c\u5e74\u9577\u4e00\u4ee3\u7684\u4eba\u66f4\u50be\u5411\u65bc\u5c07\u8ca1\u5bcc\u63e1\u5728\u81ea\u5df1\u624b\u4e2d\uff0c\u4e0d\u9858\u610f\u5c07\u4ed6\u5011\u7684\u8a08\u5283\u544a\u77e5\u4e0b\u4e00\u4ee3\u3002\u300d<\/p>\n\n\n\n

\u300c\u5f88\u5c11\u6709\u5ba2\u6236\u6703\u958b\u8aa0\u5e03\u516c\u5730\u8207\u5bb6\u4eba\u8a0e\u8ad6\u4e0a\u8ff0\u8a71\u984c\u3002\u4ed6\u5011\u7fd2\u6163\u7368\u81ea\u4f5c\u51fa\u6c7a\u5b9a\uff0c\u800c\u9019\u6703\u7d66\u4e0b\u4e00\u4ee3\u5e36\u4f86\u4e0d\u5229\u5f71\u97ff\u3002\u300d<\/p>\n\n\n\n

\u4ed6\u89e3\u91cb\u9053\uff0c\u4eca\u6642\u4e0d\u540c\u5f80\u65e5\uff0c\u7576\u5e74\u9577\u4e00\u4ee3\u8655\u65bc\u4eba\u751f\u7684\u9ec3\u91d1\u968e\u6bb5\u6642\uff0c\u7576\u6642\u5e36\u52d5\u5e02\u5834\u589e\u9577\u7684\u4e3b\u8981\u56e0\u7d20\u53ef\u80fd\u5728\u7576\u4e0b\u5df2\u4e0d\u594f\u6548\u3002<\/p>\n\n\n\n

\u8207\u5bb6\u4eba\u548c\u9867\u554f\u9032\u884c\u958b\u8aa0\u5e03\u516c\u7684\u5c0d\u8a71\uff0c\u6709\u52a9\u65bc\u60a8\u5efa\u7acb\u66f4\u5e73\u8861\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u5f9e\u5bb9\u61c9\u5c0d\u5404\u7a2e\u5e02\u6cc1\u3002<\/p>\n\n\n\n

\u9677\u9631 3<\/strong>\uff1a\u6297\u62d2\u6280\u8853\u8da8\u52e2<\/strong><\/h2>\n\n\n\n

\u65b0\u51a0\u75ab\u60c5\u52a0\u901f\u4e86\u5404\u884c\u5404\u696d\u7684\u96fb\u5b50\u5316\u8f49\u578b\uff0c\u5305\u62ec\u91d1\u878d\u884c\u696d\u7684\u96fb\u5b50\u5316\u670d\u52d9\u3002<\/p>\n\n\n\n

Morgan \u8868\u793a\uff1a\u300c\u5728\u75ab\u60c5\u671f\u9593\uff0c\u7531\u65bc\u6e1b\u5c11\u4eba\u969b\u63a5\u89f8\u3001\u65e5\u5e38\u884c\u52d5\u53d7\u9650\uff0c\u52a0\u4e0a\u8fa6\u516c\u5834\u6240\u95dc\u9589\u7b49\u539f\u56e0\uff0c\u96fb\u5b50\u5316\u91d1\u878d\u670d\u52d9 [DFS] \u7684\u9700\u6c42\u660e\u986f\u6500\u5347\u3002\u300d<\/p>\n\n\n\n

\u5275\u65b0\u6280\u8853\u6709\u52a9\u63d0\u9ad8\u8ca1\u52d9\u7ba1\u7406\u6548\u7387\uff0c\u662f\u5e6b\u52a9\u63d0\u5347\u8ca1\u52d9\u7d20\u990a\u7684\u91cd\u8981\u6cd5\u5bf6\u3002<\/p>\n\n\n\n

\u59dc\u5cfb\u6afb\u5f37\u8abf\uff0c\u826f\u597d\u7684\u8ca1\u52d9\u7d20\u990a\u5f80\u5f80\u610f\u5473\u7740\u60a8\u9700\u8981\u4e0d\u65b7\u638c\u63e1\u65b0\u7684\u6280\u8853\uff0c\u56e0\u6b64\uff0c\u6211\u5011\u6c7a\u4e0d\u80fd\u505c\u6b62\u5b78\u7fd2\u7684\u8173\u6b65\u3002<\/p>\n\n\n\n

\u5979\u88dc\u5145\u9053\uff0c\u50c5\u4ee5\u96fb\u5b50\u5316\u5f62\u5f0f\u767c\u4f48\u65b0\u7684\u8a0a\u606f\u548c\u8cc7\u8a0a\u5df2\u7d93\u6210\u4e00\u7a2e\u52e2\u4e0d\u53ef\u64cb\u7684\u8da8\u52e2\uff0c\u82e5\u6c92\u6709\u5f37\u5927\u7684\u96fb\u5b50\u5316\u80fd\u529b\uff0c\u8981\u60f3\u638c\u63e1\u77ac\u606f\u842c\u8b8a\u7684\u6295\u8cc7\u8da8\u52e2\u53ef\u8b02\u96e3\u4e0a\u52a0\u96e3\u3002<\/p>\n\n\n\n

\u9677\u9631 4<\/strong>\uff1a\u5b8c\u5168\u4f9d\u8cf4\u81ea\u5df1\u7684\u7814\u7a76<\/strong><\/h2>\n\n\n\n

\u5728\u91d1\u878d\u7406\u8ca1\u6559\u80b2\u65b9\u9762\uff0c\u641c\u5c0b\u5f15\u64ce\u7d50\u679c\u7684\u4f5c\u7528\u6709\u9650\u3002\u8a79\u76ca\u6bc5\u8868\u793a\uff0c\u7db2\u4e0a\u7684\u8cc7\u6e90\u5118\u7ba1\u53ef\u80fd\u6709\u7528\uff0c\u4f46\u9084\u9060\u9060\u4e0d\u5920\u3002<\/p>\n\n\n\n

\u5c0d\u65bc 35 \u6b72\u6216\u4ee5\u4e0b\u7684\u500b\u4eba\u800c\u8a00\uff0c\u4e92\u806f\u7db2\u53ef\u80fd\u662f\u4ed6\u5011\u7372\u53d6\u4e00\u5207\u8cc7\u8a0a\u7684\u9996\u9078\u4f86\u6e90\uff0c\u5305\u62ec\u4ed6\u5011\u7684\u8ca1\u52d9\u7ba1\u7406\u8a08\u5283\u3002\u7136\u800c\uff0c\u4ed6\u5011\u53ef\u80fd\u6703\u932f\u904e\u5927\u91cf\u8cc7\u8a0a\uff0c\u5c24\u5176\u662f\u8de8\u4ee3\u8ca1\u5bcc\u50b3\u627f\u65b9\u9762\u7684\u8cc7\u8a0a\u3002<\/p>\n\n\n\n

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\u8cc7\u91d1\u7ba1\u7406\u5e38\u898b\u9677\u9631\u8207\u898f\u907f\u4e4b\u6cd5\u3002<\/p>\n","protected":false},"author":17,"featured_media":9915,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[312],"tags":[193,161,194,195],"rbcwm_content_owner":[],"rbcwm_need":[16,33,30],"rbcwm_segment":[19],"rbcwm_solution":[26],"rbcwm_topic":[14,32],"rbcwm_format":[],"class_list":["post-673","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-312","tag-budgeting","tag-financial-literacy","tag-money-management","tag-saving","rbcwm_need-grow","rbcwm_need-live","rbcwm_need-protect","rbcwm_segment-individuals-and-families","rbcwm_solution-26","rbcwm_topic-14","rbcwm_topic-32"],"acf":{"rbcwm_subtitle":"\u8cc7\u91d1\u7ba1\u7406\u5e38\u898b\u9677\u9631\u8207\u898f\u907f\u4e4b\u6cd5\u3002","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":[],"omit_from_pages":[],"disclaimer_footnote":""},"rbcwm_insight_cta_id":9893,"rbcwm_pagination":{"next_link":"","next_link_text":"","previous_link":"","previous_link_text":""},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false,"rbcwm_toc_selector":"h2"},"yoast_head":"\n\u8cc7\u91d1\u898f\u5283\uff1a\u60a8\u72af\u4e86\u9019\u4e9b\u932f\u8aa4\u55ce\uff1f 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