{"id":271249,"date":"2026-11-05T09:48:59","date_gmt":"2026-11-05T09:48:59","guid":{"rendered":"https:\/\/news.vandica.com\/%e6%96%b0%e5%86%a0%e7%96%ab%e6%83%85%e5%be%8c-75%e6%ad%b2%e4%bb%a5%e4%b8%8a%e6%b0%91%e7%9c%be%e8%b2%a1%e5%af%8c%e5%a4%a7%e5%a2%9e-%e6%88%90%e4%ba%86%e6%9c%80%e5%af%8c%e6%9c%89%e6%97%8f%e7%be%a4\/"},"modified":"2026-11-05T09:48:59","modified_gmt":"2026-11-05T09:48:59","slug":"%e6%96%b0%e5%86%a0%e7%96%ab%e6%83%85%e5%be%8c-75%e6%ad%b2%e4%bb%a5%e4%b8%8a%e6%b0%91%e7%9c%be%e8%b2%a1%e5%af%8c%e5%a4%a7%e5%a2%9e-%e6%88%90%e4%ba%86%e6%9c%80%e5%af%8c%e6%9c%89%e6%97%8f%e7%be%a4","status":"publish","type":"post","link":"https:\/\/news.vandica.com\/en\/%e6%96%b0%e5%86%a0%e7%96%ab%e6%83%85%e5%be%8c-75%e6%ad%b2%e4%bb%a5%e4%b8%8a%e6%b0%91%e7%9c%be%e8%b2%a1%e5%af%8c%e5%a4%a7%e5%a2%9e-%e6%88%90%e4%ba%86%e6%9c%80%e5%af%8c%e6%9c%89%e6%97%8f%e7%be%a4\/","title":{"rendered":"\u65b0\u51a0\u75ab\u60c5\u5f8c 75\u6b72\u4ee5\u4e0a\u6c11\u773e\u8ca1\u5bcc\u5927\u589e 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data-srcset=\"https:\/\/pgw.worldjournal.com\/gw\/photo.php?u=https:\/\/uc.udn.com.tw\/photo\/t3\/2026\/11\/04\/35484570.jpg&amp;M=1&amp;s=Y&amp;x=0&amp;y=0&amp;sw=1280&amp;sh=853&amp;sl=W&amp;fw=800&amp;exp=3600&amp;q=75\" type=\"image\/jpeg\"><\/source><br \/>\n\t\t<img decoding=\"async\" alt=\"\u65b0\u51a0\u75ab\u60c5\u5f8c\uff0c75\u6b72\u4ee5\u4e0a\u4eba\u7fa4\u6210\u70ba\u6700\u5bcc\u88d5\u7684\u5e74\u9f61\u5c64\u3002(\u7f8e\u806f\u793e)\" class=\"lazyload\" src=\"https:\/\/pgw.worldjournal.com\/gw\/photo.php?u=https:\/\/uc.udn.com.tw\/photo\/t3\/2026\/11\/04\/35484570.jpg&amp;M=1&amp;s=Y&amp;x=0&amp;y=0&amp;sw=1280&amp;sh=853&amp;sl=W&amp;fw=800&amp;exp=3600&amp;q=75\">\n\t<\/picture><figcaption>\u65b0\u51a0\u75ab\u60c5\u5f8c\uff0c75\u6b72\u4ee5\u4e0a\u4eba\u7fa4\u6210\u70ba\u6700\u5bcc\u88d5\u7684\u5e74\u9f61\u5c64\u3002(\u7f8e\u806f\u793e)<\/figcaption><\/figure>\n<p><!-- #Location: \/inc\/content\/story\/article_bigimage --><br \/>\n\t\t\t\t\t<!--0--><\/p>\n<section class=\"ai_content_block\" data-ai=\"highlight\">\n<h3 class=\"ai_content_block-subtitle\">AI\u6458\u8981<\/h3>\n<h2 class=\"ai_content_block-title\">\u6587\u7ae0\u6458\u8981\u6574\u7406\uff1a<\/h2>\n<p class=\"ai_content_block-description\">\u806f\u6e96\u6703\u6700\u65b0\u8ca1\u5bcc\u8abf\u67e5\u986f\u793a\uff0c\u7f8e\u570b\u5bb6\u5ead\u6574\u9ad4\u8ca1\u5bcc\u589e\u901f\u653e\u7de9\uff0c\u4f46\u8001\u5e74\u8207\u9ad8\u6536\u5165\u65cf\u7fa4\u56e0\u80a1\u5e02\u8207\u623f\u7522\u5347\u503c\u5927\u5e45\u53d7\u60e0\uff0c\u5e74\u8f15\u3001\u4f4e\u6536\u5165\u53ca\u90e8\u5206\u5c11\u6578\u65cf\u88d4\u5247\u660e\u986f\u843d\u5f8c\u3002<\/p>\n<\/section>\n<p>\n\u88ab\u8996\u70ba\u8861\u91cf\u7f8e\u570b\u5bb6\u5ead\u8ca1\u5bcc\u300c\u9ec3\u91d1\u6a19\u6e96\u300d\u7684<a class=\"trigger_tag\" href=\"https:\/\/www.worldjournal.com\/search\/tagging\/8877\/%E8%81%AF%E6%BA%96%E6%9C%83\" rel=\"154176\"><strong>\u806f\u6e96\u6703<\/strong><\/a><!-- #Location: \/inc\/content\/story\/media_tag -->\u6700\u65b0\u300c\u6d88\u8cbb\u8005\u8ca1\u52d9\u72c0\u6cc1\u8abf\u67e5\u300d(Survey of Consumer Finances)\u986f\u793a\uff0c2022\u5e74\u81f32025\u5e74\u7f8e\u570b\u5bb6\u5ead\u6de8\u8cc7\u7522\u4e2d\u4f4d\u6578\u4e0a\u53472%\uff0c\u9054\u5230\u7d0421\u842c6000\u5143\u3002\u8abf\u67e5\u7d50\u679c\u51f8\u986f\u7f8e\u570b\u6b63\u5448\u73fe\u300c\u96d9\u901f\u7d93\u6fdf\u300d (two-speed economy)\u666f\u8c61\uff1a\u8001\u5e74\u4eba\u548c\u5bcc\u88d5\u7fa4\u9ad4\u8ca1\u5bcc\u5927\u589e\uff0c\u5176\u4ed6\u7fa4\u9ad4\u5247\u56e0\u6301\u7e8c\u901a\u81a8\uff0c\u5c0d\u81ea\u8eab\u8ca1\u52d9\u72c0\u6cc1\u53ca\u6574\u9ad4\u7d93\u6fdf\u524d\u666f\u611f\u5230\u60b2\u89c0\u3002<\/p>\n<p><!--1--><\/p>\n<p>\n\u9019\u9805\u65bc10\u67089\u65e5\u516c\u5e03\u3001\u7d93\u901a\u81a8\u8abf\u6574\u7684\u8abf\u67e5\u6578\u64da\u986f\u793a\uff0c\u8207\u4e0a\u4e00\u7d71\u8a08\u5468\u671f(2019\u5e74\u81f32022\u5e74)\u5bb6\u5ead\u8ca1\u5bcc\u907d\u589e37%\u76f8\u6bd4\uff0c\u7f8e\u570b\u5bb6\u5ead\u7684\u6574\u9ad4\u8ca1\u5bcc\u6210\u9577\u660e\u986f\u653e\u7de9\u30022022\u5e74\u81f32025\u5e74\u3001\u4ea6\u5373\u65b0\u51a0<a class=\"trigger_tag\" href=\"https:\/\/www.worldjournal.com\/search\/tagging\/8877\/%E7%96%AB%E6%83%85\" rel=\"154190\"><strong>\u75ab\u60c5<\/strong><\/a><!-- #Location: \/inc\/content\/story\/media_tag -->\u5f8c\u5e7e\u5e74\uff0c\u4e00\u822c\u7f8e\u570b\u5bb6\u5ead\u8ca1\u5bcc\u7565\u589e\uff0c\u5bcc\u88d5\u65cf\u7fa4\u548c\u8001\u5e74\u65cf\u7fa4\u8ca1\u5bcc\u5927\u589e\uff1b75\u6b72\u4ee5\u4e0a\u65cf\u7fa4\u6210\u70ba\u6700\u5bcc\u88d5\u5e74\u9f61\u5c64\uff0c\u6de8\u8cc7\u7522\u4e2d\u4f4d\u6578\u70ba50\u842c5000\u5143\u3002<\/p>\n<p><!-- \/1014072\/article_end_video --><\/p>\n<div class=\"article_content_ads_video\" id=\"div-gpt-ad-1694617103692-0\">\n  <script>\n    googletag.cmd.push(function() { googletag.display('div-gpt-ad-1694617103692-0'); });\n  <\/script>\n<\/div>\n<p><!-- \/1014072\/Mobile_ROS_Box_01 --><br \/>\n<!-- \n\n<div class=\"udn-ads-300x250--border inline-ads\">\n\n<div class=\"udn-ads udn-ads-300x250 mobile-ads\" id='div-gpt-ad-1597625858367-1'> --><\/p>\n<div class=\"udn-ads-300x250--border inline-ads\">\n<div class=\"udn-ads udn-ads-300x250 mobile-ads\" id=\"ads-inline\">\n  <script>\n    googletag.cmd.push(function() { googletag.display('ads-inline'); });\n  <\/script>\n<\/div>\n<div id=\"underlay-checkpoint\"><\/div>\n<\/div>\n<p><!--2--><\/p>\n<p>\n\u6536\u5165\u6700\u9ad8\u768410%\u5bb6\u5ead\u8ca1\u5bcc\u4e2d\u4f4d\u6578\u6210\u957731%\uff0c\u6536\u5165\u6700\u4f4e\u768440%\u5bb6\u5ead\u8ca1\u5bcc\u5247\u4e0b\u964d\u300275\u6b72\u4ee5\u4e0a\u570b\u4eba\u8ca1\u5bcc\u6210\u957737%\uff0c35\u6b72\u4ee5\u4e0b\u4eba\u53e3\u8ca1\u5bcc\u4e0b\u964d23%\u3002\u6b64\u8abf\u67e5\u7684\u8ca1\u5bcc\u8a08\u7b97\u65b9\u5f0f\u70ba\u5bb6\u5ead\u8cc7\u7522(\u5982\u80a1\u7968\u548c\u623f\u5c4b\u6de8\u503c)\u6e1b\u53bb\u8ca0\u50b5(\u5982\u623f\u8cb8\u548c\u5361\u50b5) \u3002<\/p>\n<p><!--3--><\/p>\n<p>\n\u6709\u95dc\u300c\u96d9\u901f\u7d93\u6fdf\u300d\u73fe\u8c61\uff0c\u8fd1\u671f\u4f01\u696d\u8ca1\u5831\u548c\u6d88\u8cbb\u8005\u4fe1\u5fc3\u8abf\u67e5\u4e5f\u5448\u73fe\u76f8\u540c\u7684\u7d93\u6fdf\u5206\u5316\u73fe\u8c61\u3002\u5bc6\u897f\u6839\u5927\u5b789\u65e5\u516c\u5e03\u6578\u64da\u986f\u793a\uff0c\u6d88\u8cbb\u8005\u4fe1\u5fc3\u6307\u6578\u964d\u81f3\u53f2\u4e0a\u7b2c\u4e8c\u4f4e\u9ede\uff1b\u4f46\u6301\u6709\u80a1\u7968\u53ef\u5728\u4e00\u5b9a\u7a0b\u5ea6\u4e0a\u7de9\u89e3\u9019\u7a2e\u58d3\u529b\u3002<\/p>\n<p><!--4--><\/p>\n<p>\n\u4e8b\u5be6\u4e0a\uff0c\u9ad8\u6536\u5165\u7fa4\u9ad4\u548c\u5e74\u9577\u7fa4\u9ad4\u8ca1\u5bcc\u589e\u9577\uff0c\u5f88\u53ef\u80fd\u662f\u56e0\u70ba\u4ed6\u5011\u6bd4\u5176\u4ed6\u7fa4\u9ad4\u66f4\u591a\u6295\u8cc7\u65bc\u8fd1\u5e74\u884c\u60c5\u706b\u7206\u7684\u80a1\u5e02\u3002\u53f2\u5766\u666e500\u6307\u65782022\u5e74\u5e95\u81f32025\u5e74\u5e95\u5927\u6f3278%\uff0c\u4eca\u5e74\u6301\u7e8c\u6500\u5347\uff0c\u53ef\u80fd\u8b93\u9019\u4e9b\u7fa4\u9ad4\u7684\u8ca1\u5bcc\u5927\u5e45\u589e\u503c\u3002<\/p>\n<p><!--5--><\/p>\n<p>\n\u7d10\u7d04\u5927\u5b78\u7d93\u6fdf\u5b78\u6559\u6388\u6c83\u723e\u592b(Edward Wolff)\u8868\u793a\uff0c\u4ee5\u524d\u570b\u4eba\u6b65\u5165\u8001\u5e74\u958b\u59cb\u5403\u8001\u672c\u6642\uff0c\u5f80\u5f80\u8b8a\u5f97\u66f4\u7aae\uff0c\u300c\u5982\u4eca\u60c5\u6cc1\u4e15\u8b8a\u300d\uff1b\u8a31\u591a75\u6b72\u4ee5\u4e0a\u8001\u4eba\u5e7e\u5341\u5e74\u524d\u5c31\u8cfc\u5165\u623f\u7522\u548c\u80a1\u7968\uff0c\u4e14\u5f9e\u8cc7\u7522\u5347\u503c\u4e2d\u7372\u76ca\uff0c\u300c\u4ed6\u5011\u6b63\u8eac\u9022\u5176\u76db\u300d\u3002<\/p>\n<p><!--6--><\/p>\n<p>\n\u4e00\u4e9b\u901a\u5e38\u8ca1\u5bcc\u8f03\u5c11\u7684\u7fa4\u9ad4\uff0c\u5247\u7d93\u6b77\u8ca1\u5bcc\u5927\u5e45\u7e2e\u6c34\u3002\u975e\u88d4\u5bb6\u5ead\u6de8\u8cc7\u7522\u4e2d\u4f4d\u6578\u4e0b\u964d25%\uff0c\u5176\u4ed6\u65cf\u88d4\u7fa4\u9ad4\u7684\u6de8\u8cc7\u7522\u4e2d\u4f4d\u6578\u5747\u6709\u6240\u589e\u9577\uff1b\u672a\u7372\u9ad8\u4e2d\u5b78\u6b77\u8005\u7684\u6de8\u8cc7\u7522\u4e2d\u4f4d\u6578\u4e0b\u964d55%\uff0c\u662f\u8a72\u8abf\u67e5\u6b77\u4f86\u6b64\u985e\u7fa4\u9ad4\u8ca1\u5bcc\u964d\u5e45\u6700\u5927\u7684\u4e00\u6b21\u3002<\/p>\n<p><!--7--><\/p>\n<p><figure class=\"article-content__image--story article-content__image--middle\" data-url=\"https:\/\/pgw.worldjournal.com\/gw\/photo.php?u=https:\/\/uc.udn.com.tw\/photo\/t3\/2026\/11\/04\/35484569.jpg&amp;M=1&amp;s=Y&amp;x=0&amp;y=0&amp;sw=1280&amp;sh=853&amp;sl=W&amp;fw=800&amp;exp=3600&amp;q=75\">\n\t<picture><source data-srcset=\"https:\/\/pgw.worldjournal.com\/gw\/photo.php?u=https:\/\/uc.udn.com.tw\/photo\/t3\/2026\/11\/04\/35484569.jpg&amp;M=1&amp;s=Y&amp;x=0&amp;y=0&amp;sw=1280&amp;sh=853&amp;sl=W&amp;fw=800&amp;exp=3600&amp;q=75&amp;nt=1\" type=\"image\/webp\"><\/source><source data-srcset=\"https:\/\/pgw.worldjournal.com\/gw\/photo.php?u=https:\/\/uc.udn.com.tw\/photo\/t3\/2026\/11\/04\/35484569.jpg&amp;M=1&amp;s=Y&amp;x=0&amp;y=0&amp;sw=1280&amp;sh=853&amp;sl=W&amp;fw=800&amp;exp=3600&amp;q=75\" type=\"image\/jpeg\"><\/source><br \/>\n\t\t<img decoding=\"async\" alt=\"\u9ad8\u6536\u5165\u7fa4\u9ad4\u548c\u5e74\u9577\u7fa4\u9ad4\u8ca1\u5bcc\u589e\u9577\uff0c\u5f88\u53ef\u80fd\u662f\u56e0\u70ba\u4ed6\u5011\u6bd4\u5176\u4ed6\u7fa4\u9ad4\u66f4\u591a\u6295\u8cc7\u65bc\u8fd1\u5e74\u884c\u60c5\u706b\u7206\u7684...\" class=\"lazyload\" src=\"https:\/\/pgw.worldjournal.com\/gw\/photo.php?u=https:\/\/uc.udn.com.tw\/photo\/t3\/2026\/11\/04\/35484569.jpg&amp;M=1&amp;s=Y&amp;x=0&amp;y=0&amp;sw=1280&amp;sh=853&amp;sl=W&amp;fw=800&amp;exp=3600&amp;q=75\">\n\t<\/picture><figcaption>\u9ad8\u6536\u5165\u7fa4\u9ad4\u548c\u5e74\u9577\u7fa4\u9ad4\u8ca1\u5bcc\u589e\u9577\uff0c\u5f88\u53ef\u80fd\u662f\u56e0\u70ba\u4ed6\u5011\u6bd4\u5176\u4ed6\u7fa4\u9ad4\u66f4\u591a\u6295\u8cc7\u65bc\u8fd1\u5e74\u884c\u60c5\u706b\u7206\u7684\u80a1\u5e02\u3002\u5716\u70ba\u7d10\u7d04\u8b49\u5238\u4ea4\u6613\u6240\u3002(\u7f8e\u806f\u793e)<\/figcaption><\/figure>\n<p><!-- #Location: \/inc\/content\/story\/media_image -->\n<\/p>\n<\/p>\n<section class=\"ai_content_block\" data-ai=\"faq\">\n<h3 class=\"ai_content_block-subtitle\">\u7cbe\u83ef FAQ<\/h3>\n<ul class=\"ai_content_block_faq\">\n<li class=\"ai_content_block_faq-item\">      <input type=\"checkbox\" name=\"faq\" id=\"faq1\" class=\"ai_content_block-checkbox\"><br \/>\n<h2 class=\"ai_content_block-title\">        <label for=\"faq1\">Q1\uff1a\u9019\u4efd\u806f\u6e96\u6703\u8abf\u67e5\u5982\u4f55\u63cf\u8ff0\u7f8e\u570b\u5bb6\u5ead\u8ca1\u5bcc\u7684\u6574\u9ad4\u8b8a\u5316\uff1f<button class=\"ai_content_block-button\"><\/button><\/label>      <\/h2>\n<div class=\"ai_content_block-answer\">\n<p class=\"ai_content_block-description\">\u8abf\u67e5\u6307\u51fa\uff0c2022\u5e74\u81f32025\u5e74\u7f8e\u570b\u5bb6\u5ead\u6de8\u8cc7\u7522\u4e2d\u4f4d\u6578\u50c5\u4e0a\u53472%\uff0c\u7d04\u70ba21\u842c6000\u5143\uff0c\u9060\u4f4e\u65bc\u524d\u4e00\u671f37%\u7684\u589e\u5e45\uff0c\u986f\u793a\u6574\u9ad4\u8ca1\u5bcc\u6210\u9577\u5df2\u660e\u986f\u653e\u7de9\u3002<\/p>\n<\/p><\/div>\n<\/li>\n<li class=\"ai_content_block_faq-item\">      <input type=\"checkbox\" name=\"faq\" id=\"faq2\" class=\"ai_content_block-checkbox\"><br \/>\n<h2 class=\"ai_content_block-title\">        <label for=\"faq2\">Q2\uff1a\u70ba\u4ec0\u9ebc75\u6b72\u4ee5\u4e0a\u65cf\u7fa4\u6703\u6210\u70ba\u6700\u5bcc\u6709\u7684\u5e74\u9f61\u5c64\uff1f<button class=\"ai_content_block-button\"><\/button><\/label>      <\/h2>\n<div class=\"ai_content_block-answer\">\n<p class=\"ai_content_block-description\">\u4e3b\u8981\u56e0\u70ba\u4ed6\u5011\u8f03\u65e9\u8cb7\u9032\u623f\u7522\u8207\u80a1\u7968\uff0c\u8fd1\u5e74\u53c8\u53d7\u60e0\u65bc\u80a1\u5e02\u5f37\u52c1\u4e0a\u6f32\uff0c\u8cc7\u7522\u50f9\u503c\u5feb\u901f\u589e\u52a0\uff1b\u57282022\u5e74\u81f32025\u5e74\u9593\uff0c75\u6b72\u4ee5\u4e0a\u65cf\u7fa4\u8ca1\u5bcc\u6210\u957737%\uff0c\u6de8\u8cc7\u7522\u4e2d\u4f4d\u6578\u905450\u842c5000\u5143\u3002<\/p>\n<\/p><\/div>\n<\/li>\n<li class=\"ai_content_block_faq-item\">      <input type=\"checkbox\" name=\"faq\" 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