{"id":7170,"date":"2019-07-11T08:54:46","date_gmt":"2019-07-11T00:54:46","guid":{"rendered":"https:\/\/farenguakao.com\/?p=7170"},"modified":"2025-01-16T13:53:08","modified_gmt":"2025-01-16T05:53:08","slug":"debt-burden-ratio","status":"publish","type":"post","link":"https:\/\/farenguakao.com\/debt-burden-ratio\/","title":{"rendered":"\u8ca0\u50b5\u6bd4\u904e\u9ad8\u8d85\u904e22\u500d\u600e\u9ebc\u8fa6\uff1f\u50b5\u52d9\u5354\u5546\u6216\u8ca0\u50b5\u6574\u5408\u8981\u9078\u54ea\u500b\uff1f"},"content":{"rendered":"\n<p>\u5411\u9280\u884c\u7533\u8acb\u4fe1\u8cb8\u537b\u56e0\u500b\u4eba\u8ca0\u50b5\u6bd4\u904e\u9ad8\u88ab\u62d2\u7d55\uff1f \u8ca0\u50b5\u6bd4 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class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/farenguakao.com\/debt-burden-ratio\/#%E8%B2%A0%E5%82%B5%E6%95%B4%E5%90%88VS%E5%82%B5%E5%8B%99%E5%8D%94%E5%95%86%E6%AF%94%E8%BC%83%E8%A1%A8\" title=\"\u8ca0\u50b5\u6574\u5408VS\u50b5\u52d9\u5354\u5546\u6bd4\u8f03\u8868\">\u8ca0\u50b5\u6574\u5408VS\u50b5\u52d9\u5354\u5546\u6bd4\u8f03\u8868<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/farenguakao.com\/debt-burden-ratio\/#%E8%B2%A0%E5%82%B5%E6%AF%94Q_A\" title=\"\u8ca0\u50b5\u6bd4Q&amp;A\">\u8ca0\u50b5\u6bd4Q&amp;A<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/farenguakao.com\/debt-burden-ratio\/#%E6%9C%89%E6%9B%B4%E5%A4%9A_%E8%B2%A0%E5%82%B5%E6%AF%94_%E5%95%8F%E9%A1%8C%E6%83%B3%E8%AB%AE%E8%A9%A2%E8%A9%B2%E6%80%8E%E9%BA%BC%E5%81%9A%EF%BC%9F\" title=\"\u6709\u66f4\u591a \u8ca0\u50b5\u6bd4 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https:\/\/farenguakao.com\/wp-content\/uploads\/debt-burden-ratio123111-300x300.jpg 300w, https:\/\/farenguakao.com\/wp-content\/uploads\/debt-burden-ratio123111-150x150.jpg 150w, https:\/\/farenguakao.com\/wp-content\/uploads\/debt-burden-ratio123111-768x768.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption class=\"wp-element-caption\">\u8ca0\u50b5\u6bd4\u600e\u9ebc\u7b97\uff1f<\/figcaption><\/figure>\n\n\n\n<p> \u8ca0\u50b5\u6bd4\uff08DBR=Debt Burden Ratio\uff09\uff0c\u6307\u7684\u662f\u540d\u4e0b\u300c\u7121\u64d4\u4fdd\u8ca0\u50b5\u9918\u984d\u300d\u8207\u300c\u8a8d\u5b9a\u85aa\u8cc7\u300d\u4e4b\u9593\u7684\u6bd4\u4f8b\u3002<\/p>\n\n\n\n<p>\u53ef\u4ee5\u5f97\u5230\u9019\u500b\u516c\u5f0f\uff1a<\/p>\n\n\n\n<p><strong>\u7121\u64d4\u4fdd\u8ca0\u50b5\u9918\u984d\u00f7\u8a8d\u5b9a\u85aa\u8cc7\uff1d\u8ca0\u50b5\u6bd4<\/strong><\/p>\n\n\n\n<p> \u770b\u8d77\u4f86\u5f88\u7c21\u55ae\uff0c\u4e0d\u904e\u9019\u4e4b\u9593\u9084\u662f\u5b58\u5728\u8b8a\u6578\uff0c\u6240\u4ee5\u4f60\u5411\u6bcf\u4e00\u5bb6\u9280\u884c\u7533\u8acb\u6642\uff0c\u6240\u5f97\u51fa\u7684\u8ca0\u50b5\u6bd4\u7387\u90fd\u6709\u53ef\u80fd\u4e0d\u540c\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1\u3001\u300c<strong>\u7121\u64d4\u4fdd\u8ca0\u50b5\u9918\u984d<\/strong>\u300d\uff1a\u6307\u7684\u662f\u4f60\u540d\u4e0b\u6c92\u6709\u64d4\u4fdd\u54c1\u7684\u8cb8\u6b3e\uff0c<strong>\u5982\u4fe1\u8cb8\u3001\u4fe1\u7528\u5361\u3001\u52a9\u5b78\u8cb8\u6b3e\u3001\u901a\u8a0a\u8cb8\u6b3e\u7b49\u3002<\/strong><\/li>\n\n\n\n<li> 2\u3001\u300c<strong>\u8a8d\u5b9a\u85aa\u8cc7<\/strong>\u300d\uff1a\u9019\u5c31\u662f\u95dc\u9375\u6240\u5728\uff0c\u6bcf\u4e00\u9593\u9280\u884c\u5c0d\u65bc\u4f60\u6240\u63d0\u51fa\u7684\u8ca1\u529b\u8b49\u660e\uff0c\u8a8d\u5b9a\u65b9\u5f0f\u90fd\u4e0d\u4e00\u6a23\u3002\u4f8b\u5982\u4f60\u85aa\u8cc7\u7684\u672c\u85aa\u3001\u5e95\u85aa\u3001\u734e\u91d1\u8a08\u7b97\u65b9\u5f0f\uff0c\u6216\u662f\u63d0\u51fa\u6263\u7e73\u6191\u55ae\u3001\u52de\u4fdd\u55ae\u3001\u85aa\u8f49\u8b49\u660e\u7b49\uff0c\u9019\u4e9b\u90fd\u6703\u5f71\u97ff\u9280\u884c\u7684\u8a8d\u5b9a\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u5982\u679c\u8981\u964d\u4f4e\u8ca0\u50b5\u6bd4\u53ef\u4ee5\u671d\u589e\u52a0\u6536\u5165\u6216\u662f\u964d\u4f4e\u8ca0\u50b5\u9019\u4e8c\u500b\u65b9\u5411\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u82e5\u4e0d\u6e05\u695a\u54ea\u7a2e\u8b49\u660e\u6216\u662f\u8a08\u7b97\u65b9\u5f0f\u5c0d\u81ea\u5df1\u7684\u8cb8\u6b3e\u8f03\u6709\u5229\u7684\u8a71\uff0c\u6b61\u8fce\u96a8\u6642\u8a62\u554f\u8cb8\u6b3e\u901a\u5ba2\u670d\uff0c\u63d0\u4f9b\u514d\u8cbb\u8aee\u8a62\u3002<\/p>\n\n\n\n<h2 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https:\/\/farenguakao.com\/wp-content\/uploads\/debt-burden-ratio12101-150x150.jpg 150w, https:\/\/farenguakao.com\/wp-content\/uploads\/debt-burden-ratio12101-768x768.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption class=\"wp-element-caption\">\u8ca0\u50b5\u6bd4\u904e\u9ad8\u6703\u5e36\u4f86\u7684\u5f71\u97ff\u6709\u90a3\u4e9b\uff1f<\/figcaption><\/figure>\n\n\n\n<p> \u6211\u5011\u5e38\u5e38\u807d\u5230\u4eba\u5bb6\u8aaa\u300c\u8ca0\u50b5\u6bd422\u500d\u300d\uff0c\u9019\u5230\u5e95\u662f\u4ec0\u9ebc\u610f\u601d\uff1f22\u9019\u500b\u6578\u5b57\u662f\u600e\u9ebc\u7b97\u51fa\u4f86\u7684\uff1f<br> \u5176\u5be6\u4e0d\u662f\u7b97\u51fa\u4f86\u7684\uff0c\u800c\u662f\u6c11\u570b104\u6240\u65bd\u884c\u7684\u653f\u7b56\u898f\u5b9a\uff1a<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#79d2f9\">\u3008\u91d1\u878d\u6a5f\u69cb\u8fa6\u7406\u73fe\u91d1\u5361\u696d\u52d9\u61c9\u6ce8\u610f\u4e8b\u9805\u3009\u00a75-3<br>\n\u300c\u6240\u6838\u7d66\u4e4b\u4fe1\u7528\u984d\u5ea6\u61c9\u8207\u7533\u8acb\u4eba\u7533\u8acb\u6642\u4e4b\u9084\u6b3e\u80fd\u529b\u76f8\u7576\uff0c\u4e14\u6838\u7d66\u53ef\u52d5\u7528\u984d\u5ea6\u52a0\u8a08\u7533\u8acb\u4eba\u65bc\u5168\u9ad4\u91d1\u878d\u6a5f\u69cb\u4e4b\u7121\u64d4\u4fdd\u50b5\u52d9\u3008\u542b\u4fe1\u7528\u5361\u3009\u6b78\u6236\u7e3d\u9918\u984d\u5f8c\uff0c\u4e0d\u5f97\u8d85\u904e\u7533\u8acb\u4eba\u6700\u8fd1\u4e00\u5e74\u5e73\u5747\u6708\u6536\u5165\u4e4b\u4e8c\u5341\u4e8c\u500d\u3002\u300d<\/p>\n\n\n\n<p>\u8209\u4f8b\u800c\u8a00\uff1aA\u6708\u85aa5\u842c\uff0c\u8eab\u4e0a\u6709\u5361\u50b510\u842c\u3001\u52a9\u5b78\u8cb8\u6b3e20\u842c\u3002\u4ed6\u7684\u7121\u64d4\u4fdd\u50b5\u52d9\u4e0d\u80fd\u8d85\u904e\u6708\u85aa22\u500d\uff0c\u4e5f\u5c31\u662f5\u00d722=110\u842c\u3002110-10-20=80\uff0c\u6240\u4ee5\u6700\u591a\u9084\u670980\u842c\u7684\u50b5\u52d9\u7a7a\u9593\u3002<\/p>\n\n\n\n<p>\u4e0d\u904e\u9019\u4e5f\u4e0d\u4ee3\u8868\uff0cA\u5c31\u771f\u7684\u80fd\u5920\u628a80\u842c\u8cb8\u597d\u8cb8\u6eff\u3002\u9664\u4e86\u4e0a\u8ff0\u7684\u300c\u8a8d\u5b9a\u85aa\u8cc7\u300d\u4e4b\u5916\uff0c\u9084\u5f97\u770b\u6bcf\u9593\u9280\u884c\u9858\u610f\u958b\u653e\u7684\u8cb8\u6b3e\u7d1a\u8ddd\u3002<\/p>\n\n\n\n<p>\u96d6\u7136\u8aaa\u91d1\u7ba1\u6703\u9812\u5e03\u4e86\u4e0d\u5f97\u8d85\u904e22\u500d\u7684\u898f\u5b9a\uff0c\u4f46\u9280\u884c\u4e5f\u8a31\u4e0d\u9858\u610f\u627f\u64d4\u5982\u6b64\u9ad8\u7684\u98a8\u96aa\uff0c\u80fd\u8cb8\u6b3e\u7684\u984d\u5ea6\u5c07\u96a8\u8457\u8cb8\u6b3e\u4eba\u6536\u5165\u800c\u6539\u8b8a\u3002<\/p>\n\n\n\n<p> \u4f8b\u5982\uff1a\u5e74\u6536\u516550\u842c\u5728A\u9280\u884c\u53ef\u4ee5\u8cb8\u5230\u6700\u9ad822\u500d\uff1b\u5728B\u9280\u884c\u537b\u53ea\u80fd\u8cb8\u5230\u6700\u9ad818\u500d\uff0c\u9019\u4e9b\u90fd\u662f\u9280\u884c\u898f\u5b9a\u7684\uff0c\u53ea\u552f\u4e00\u8981\u6ce8\u610f\u4e0d\u80fd\u8d85\u904e22\u500d\u3002<\/p>\n\n\n\n<p>\u9019\u689d\u6cd5\u898f\u7684\u8a95\u751f\u5728\u7576\u6642\u4e0d\u50c5\u4fdd\u5168\u4e86\u8a31\u591a\u5361\u5974\u514d\u65bc\u5361\u50b5\u7684\u60e1\u6027\u5faa\u74b0\uff08\u4e0d\u6703\u501f\u591a\u9084\u4e0d\u8d77\uff09\uff0c\u4e5f\u4fdd\u969c\u9280\u884c\u7684\u6b0a\u76ca\u3001\u5927\u5e45\u6e1b\u5c11\u53ef\u80fd\u8ffd\u4e0d\u56de\u4f86\u7684\u8cb8\u6b3e\u3002<\/p>\n\n\n\n<p>\u4e0d\u904e\u6642\u81f3\u4eca\u65e5\uff0c\u9019\u537b\u88ab\u8996\u70ba\u4e00\u689d\u7a92\u7919\u96e3\u884c\u7684\u4fe1\u8cb8\u9580\u6abb\uff0c\u8a31\u591a\u8cb8\u6b3e\u4eba\u7e31\u4f7f\u9818\u6709\u9ad8\u85aa\uff0c\u537b\u56e0\u300c\u8a8d\u5b9a\u85aa\u8cc7\u300d\u689d\u4ef6\u4e0d\u540c\u800c\u53d7\u9650\u65bc22\u500d\u7684\u898f\u5b9a\u800c\u7121\u6cd5\u7533\u8fa6\u4fe1\u8cb8\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u6211\u6c92\u8d85\u904e22\u500d\u70ba\u4ec0\u9ebc\u4e0d\u80fd\u8cb8\u6b3e\">\u6211\u6c92\u8d85\u904e22\u500d\u70ba\u4ec0\u9ebc\u4e0d\u80fd\u8cb8\u6b3e\uff1f<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-\u4e00-\u85aa\u8cc7\u8a8d\u5b9a\u4e0a-\u5404\u9280\u884c\u4e0d\u540c\">(\u4e00)\uff0c\u85aa\u8cc7\u8a8d\u5b9a\u4e0a\uff0c\u5404\u9280\u884c\u4e0d\u540c<\/h4>\n\n\n\n<p> \u5404\u5bb6\u9280\u884c\u5728\u8a8d\u5b9a\u85aa\u8cc7\u4e0a\u5c0d\u65bc\u4e0d\u540c\u7684\u8ca1\u529b\u8b49\u660e\u6216\u662f\u4e0d\u540c\u7684\u7d50\u69cb\u734e\u91d1\u8a8d\u5b9a\u65b9\u5f0f\u4e0d\u4e00\u6a23\u3002<\/p>\n\n\n\n<p>\u56e0\u70ba\u6bcf\u500b\u4eba\u7684\u8ca1\u529b\u8b49\u660e\u6587\u4ef6\u4e0d\u540c\uff0c\u85aa\u8cc7\u7d50\u69cb\u4e5f\u4e0d\u540c\uff0c\u6709\u7684\u4eba\u53ea\u6709\u52de\u4fdd\uff0c\u6709\u7684\u4eba\u52de\u4fdd\u53ca\u85aa\u8f49\u4e8c\u7a2e\u90fd\u6709\uff0c\u6709\u7684\u4eba\u537b\u53ea\u6709\u6263\u7e73\u6191\u55ae\uff0c\u5728\u85aa\u8cc7\u7d50\u69cb\u7684\u90e8\u5206\u53c8\u6709\u734e\u91d1\u3001\u5206\u7d05\u3001\u52a0\u73ed\u8cbb\u7b49\u3002<\/p>\n\n\n\n<p>\u8209\u4f8b\u4f86\u8aaa\u7532\u541b\u7684\u6263\u7e73\u6191\u55ae\u4e0a\u662f140\u842c\uff0c\u85aa\u8f49\u6bcf\u500b\u6708\u662f9\u842c\u5143\uff0c\u5176\u4ed6\u7684\u90e8\u4efd\u662f\u734e\u91d1\u3002<\/p>\n\n\n\n<p>\u60c5\u6cc1\u4e00\uff1a\u4ee5\u6263\u7e73\u6191\u55ae\u4f86\u770b<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5728A\u9280\u884c\u53ef\u80fd\u8a8d\u5b9a\u7684\u85aa\u8cc7\u662f140\u842c\/12\u500b\u6708\uff0c\u6708\u6536\u516511\u842c6<\/li>\n\n\n\n<li>\u5728B\u9280\u884c\u53ef\u80fd\u6703\u8a8d\u5b9a\u6708\u6536\u5165\u662f\u85aa\u8f49\u76849\u842c<\/li>\n\n\n\n<li>\u5728C\u9280\u884c\u53ef\u80fd\u8a8d\u5b9a\u70ba\u5e74\u85aa\u6536\u5165\u662f108\u842c<\/li>\n<\/ul>\n\n\n\n<p>\u60c5\u6cc1\u4e8c\uff1a\u4ee5\u85aa\u8f49\u4f86\u8a8d\u5b9a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5728A\u9280\u884c\u5247\u8a8d\u5b9a\u70ba\u6708\u6536\u51659\u842c<\/li>\n\n\n\n<li>\u5728B\u9280\u884c\u537b\u53ef\u80fd\u8a8d\u5b9a\u70ba10\u842c5<\/li>\n\n\n\n<li>\u5728C\u9280\u884c\u8a8d\u5b9a\u5e74\u85aa\u6536\u5165\u70ba126\u842c(\u5e74\u85aa14\u500b\u6708)<\/li>\n<\/ul>\n\n\n\n<p>\u5149\u662f\u85aa\u8cc7\u8a8d\u5b9a\u9019\u500b\u554f\u984c\uff0c\u5404\u5bb6\u7684\u9280\u884c\u5c31\u80fd\u5dee\u5225\u9019\u9ebc\u5927\u4e86\uff0c\u4e0d\u904e\u7a76\u7adf\u54ea\u7a2e\u8ca1\u529b\u8b49\u660e\u6709\u5229\u6216\u8005\u662f\u8a72\u600e\u9ebc\u6a23\u8a8d\u5b9a\u6709\u5229\uff0c\u9019\u90e8\u4efd\u5efa\u8b70\u9084\u662f\u5c0b\u6c42\u5c08\u696d\u9280\u884c\u8cb8\u6b3e\u7d93\u7406\u4eba\u5354\u52a9\u5206\u6790\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-\u4e8c-\u9280\u884c\u6700\u9ad8\u653e\u6b3e\u500d\u6578\u4e0a\u6709\u5dee\u7570\">(\u4e8c)\uff0c\u9280\u884c\u6700\u9ad8\u653e\u6b3e\u500d\u6578\u4e0a\u6709\u5dee\u7570<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5728A\u9280\u884c\u53ef\u80fd\u6700\u9ad8\u653e\u6b3e\u5230X\u768422\u500d<\/li>\n\n\n\n<li>\u5728B\u9280\u884c\u53ef\u80fd\u5c31\u53ea\u80fd\u653e\u5230X\u768420\u500d<\/li>\n\n\n\n<li>\u5728C\u9280\u884c\u53ef\u80fd\u7684\u500d\u6578\u537b\u53ea\u6709X\u768418\u500d<\/li>\n<\/ul>\n\n\n\n<p>\u770b\u4e86\u4e0a\u8ff0\u7684\u5169\u500b\u4e3b\u8981\u539f\u56e0\uff0c\u4f60\u5c31\u80fd\u77e5\u9053\u9019\u4e5f\u5c31\u662f\u70ba\u4ec0\u9ebc\u6709\u4e9b\u4eba\u660e\u660e\u6c92\u8d85\u904e22\u500d\u537b\u600e\u9ebc\u4e5f\u8cb8\u4e0d\u4e0b\u4f86\uff0c\u800c\u67d0\u4e9b\u4eba\u660e\u660e\u5df2\u7d93\u300c\u770b\u4f3c\u300d\u8d85\u904e\u4e8622\u500d\u537b\u9084\u80fd\u6709\u6a5f\u6703\u8cb8\u6b3e\u4e86<\/p>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a\u300a<a href=\"https:\/\/farenguakao.com\/dbr22-loan-amount\/\">\u4fe1\u8cb8\u6709\u6708\u6536\u516522\u500d\u9650\u5236?\u4e86\u89e33\u500b\u5f71\u97ff\u4fe1\u7528\u8cb8\u6b3e\u984d\u5ea6\u7684\u5e38\u898b\u516c\u5f0f!<\/a>\u300b<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u8ca0\u50b5\u6bd422\u500d\u8d85\u6a19-\u50b5\u52d9\u5354\u5546vs\u8ca0\u50b5\u6574\u5408\u9078\u54ea\u500b\"><span class=\"ez-toc-section\" id=\"%E8%B2%A0%E5%82%B5%E6%AF%9422%E5%80%8D%E8%B6%85%E6%A8%99%EF%BC%8C%E5%82%B5%E5%8B%99%E5%8D%94%E5%95%86vs%E8%B2%A0%E5%82%B5%E6%95%B4%E5%90%88%E9%81%B8%E5%93%AA%E5%80%8B%EF%BC%9F\"><\/span>\u8ca0\u50b5\u6bd422\u500d\u8d85\u6a19\uff0c\u50b5\u52d9\u5354\u5546vs\u8ca0\u50b5\u6574\u5408\u9078\u54ea\u500b\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"901\" height=\"901\" src=\"https:\/\/farenguakao.com\/wp-content\/uploads\/2019\/09\/20217.jpg\" alt=\"\u8ca0\u50b5\u6574\u5408\u8ddf\u50b5\u52d9\u5354\u5546\u7684\u5dee\u7570\" class=\"wp-image-7400\" srcset=\"https:\/\/farenguakao.com\/wp-content\/uploads\/2019\/09\/20217.jpg 901w, https:\/\/farenguakao.com\/wp-content\/uploads\/2019\/09\/20217-150x150.jpg 150w, https:\/\/farenguakao.com\/wp-content\/uploads\/2019\/09\/20217-300x300.jpg 300w, https:\/\/farenguakao.com\/wp-content\/uploads\/2019\/09\/20217-768x768.jpg 768w\" sizes=\"auto, (max-width: 901px) 100vw, 901px\" \/><figcaption class=\"wp-element-caption\">\u8ca0\u50b5\u6574\u5408\u8ddf\u50b5\u52d9\u5354\u5546\u5dee\u5225\u5728\u90a3<\/figcaption><\/figure>\n\n\n\n<p> \u7576\u4f60\u767c\u73fe\u81ea\u5df1\u5feb\u8981\u88ab\u8cb8\u6b3e\u58d3\u5f97\u5598\u4e0d\u904e\u6c23\u4f86\u3001\u5165\u4e0d\u6577\u51fa\uff0c\u60f3\u5411\u9280\u884c\u589e\u8cb8\u537b\u53c8\u88ab\u5a49\u62d2\u6642\u8a72\u600e\u9ebc\u8fa6\u5462\uff1f\u5efa\u8b70\u53ef\u4ee5\u5c07\u8ca0\u50b5\u6574\u5408\u6e1b\u8f15\u8ca0\u64d4\uff0c\u6700\u5f8c\u624d\u662f\u50b5\u52d9\u5354\u5546\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u8ca0\u50b5\u6574\u5408\uff1a<\/h3>\n\n\n\n<p>\u5c07\u81ea\u5df1\u7684\u4fe1\u8cb8\u3001\u4fe1\u7528\u5361\u7b49\u50b5\u52d9\u52a0\u4ee5\u7d71\u6574\uff0c\u6574\u5408\u65bc\u540c\u4e00\u9280\u884c\u7e73\u7d0d\uff0c\u53ef\u4ee5\u964d\u4f4e\u6708\u7e73\u91d1\u984d\u8207\u5229\u606f\uff0c\u4e26\u4e0d\u5f71\u97ff\u4fe1\u7528\u72c0\u6cc1\u3002\u9069\u7528\u65bc\u8ca0\u50b5\u6bd422\u500d\u4ee5\u4e0b\u7684\u8cb8\u6b3e\u4eba\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td>\u9805\u76ee<\/td><td>\u8ca0\u50b5\u6574\u5408\u4e4b\u524d<\/td><td>\u8ca0\u50b5\u6574\u5408\u4e4b\u5f8c<\/td><\/tr><tr><td>\u6708\u4ed8\u91d1\u984d<\/td><td>\u5206\u958b\u591a\u5bb6\u9280\u884c\u7e73\u6b3e\uff0c\u6708\u7e73\u8ca0\u64d4\u5927<\/td><td>\u6574\u5408\u6210\u529f\u4ee5\u5f8c\u96c6\u4e2d\u4e00\u5bb6\u9084\u6b3e<\/td><\/tr><tr><td>\u7e73\u6b3e\u5e74\u9650<\/td><td>\u9084\u6b3e\u5e74\u9650\uff0c\u6700\u95777\u5e74\uff0c\u7e73\u6b3e\u58d3\u529b\u6bd4\u8f03\u5927<\/td><td>\u5ef6\u9577\u9084\u6b3e\u5e74\u9650\uff0c\u6700\u957715\u5e74<\/td><\/tr><tr><td>\u8cb8\u6b3e\u5229\u606f<\/td><td>\u4fe1\u7528\u5361\u5229\u7387\u901a\u5e38\u9ad8\u905418%<\/td><td>\u6574\u5408\u5f8c\u5229\u73870-5%\u8d77 (\u8996\u500b\u4eba\u689d\u4ef6)<\/td><\/tr><tr><td>\u6574\u5408\u689d\u4ef6\u8aaa\u660e<\/td><td>\u6709\u8ca0\u50b5\u6bd4\u8207\u806f\u5fb5\u5206\u6578\u8a55\u4f30\u9580\u6abb<\/td><td>\u7533\u8fa6\u76f8\u5c0d\u5bb9\u6613\uff0c\u81ea\u7531\u696d\u4e5f\u80fd\u6574\u5408<\/td><\/tr><tr><td>\u4fe1\u7528\u8a55\u5206<\/td><td>\u4fe1\u7528\u8a55\u5206\u4e0b\u964d<\/td><td>\u4fe1\u7528\u8a55\u5206\u7de9\u6b65\u56de\u5347<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">\u50b5\u52d9\u5354\u5546\uff1a<\/h3>\n\n\n\n<p>\u7576\u8ca0\u50b5\u6bd4\u8d85\u904e22\u500d\uff0c\u6216\u66fe\u6709\u4e0d\u826f\u4fe1\u7528\u8a18\u9304\u3001\u5de5\u4f5c\u4e0d\u8db3\u516d\u500b\u6708\u7b49\u80cc\u666f\uff0c\u7121\u6cd5\u9032\u884c\u8ca0\u50b5\u6574\u5408\uff0c\u4fbf\u5efa\u8b70\u5617\u8a66\u5354\u5546\u3002<\/p>\n\n\n\n<p>\u5411\u50b5\u52d9\u6700\u9ad8\u7684\u50b5\u6b0a\u9280\u884c\u63d0\u51fa\u5354\u5546\u7533\u8acb\uff0c\u7c3d\u8a02\u4e00\u4efd\u6709\u5225\u65bc\u4e4b\u524d\u8cb8\u6b3e\u7684\u511f\u9084\u65b9\u6848\uff0c\u900f\u904e\u5354\u5546\u6e9d\u901a\u9084\u6b3e\u689d\u4ef6\uff0c\u5728\u96d9\u65b9\u90fd\u540c\u610f\u7684\u689d\u4ef6\u4e0b\u89e3\u6c7a\u50b5\u52d9\u554f\u984c\u3002<\/p>\n\n\n\n<p>\u524d\u7f6e\u5354\u5546\u6709\u5169\u7a2e\u9650\u5236\u4e0d\u5f97\u8fa6\u7406\uff1a\u4e00\u662f\u8cc7\u7522\u5927\u65bc\u8ca0\u50b5\uff0c\u4e8c\u662f\u8fd1\u4e94\u5e74\u5167\u64d4\u4efb\u8ca0\u8cac\u4eba\u6216\u80a1\u6771\u3001\u4e14\u6708\u71df\u696d\u984d\u5e73\u5747\u904e20\u842c\u5143\u3002<\/p>\n\n\n\n<p><strong>\u7533\u8acb\u50b5\u52d9\u5354\u5546\u689d\u4ef6<\/strong><\/p>\n\n\n\n<p>\u9996\u5148\u5fc5\u9808\u6eff\u8db3\u4ee5\u4e0b\u7684\u7533\u8acb\u689d\u4ef6\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u50b5\u52d9\u4eba\u6b20\u6b3e\u5c0d\u8c61\u662f\u91d1\u878d\u6a5f\u69cb\uff0c\u800c\u4e14\u6709\u9084\u6b3e\u58d3\u529b\uff0c<\/li>\n\n\n\n<li>\u4e0d\u66fe\u53c3\u8207\u904e\u524d\u7f6e\u5354\u5546\u3002<\/li>\n\n\n\n<li>\u6c92\u6709\u53c3\u52a0\u904e95\u5e74\u5ea6\u9280\u884c\u516c\u6703\u50b5\u52d9\u5354\u5546\uff0c\u6216\u662f\u5354\u5546\u5931\u6557\u7684\u4eba\u3002<\/li>\n\n\n\n<li>5\u5e74\u5167\u672a\u5f9e\u4e8b\u71df\u696d\u6d3b\u52d5\uff0c\u6216\u662f\u6709\u5f9e\u4e8b\u71df\u696d\u6d3b\u52d5\uff0c\u4f46\u71df\u696d\u984d\u5e73\u5747\u70ba20\u842c\u5143\u4ee5\u4e0b\u7684\u81ea\u7136\u4eba\u3002<\/li>\n\n\n\n<li>\u4fe1\u7528\u8a55\u5206\u6709\u56b4\u91cd\u7455\u75b5\uff0c\u4e26\u4e14\u7533\u8acb\u50b5\u52d9\u6574\u5408\u5931\u6557\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u900f\u904e\u50b5\u52d9\u5354\u5546\u7684\u512a\u9ede<\/strong>\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u514d\u9664\u50b5\u52d9\u7121\u9650\u4e0a\u7db1\u53ca\u5229\u606f\u7121\u9650\u5faa\u74b0\u3002<\/li>\n\n\n\n<li>\u514d\u9664\u85aa\u6c34\u88ab\u5f37\u5236\u6263\u85aa\u3002<\/li>\n\n\n\n<li>\u514d\u9664\u4e0d\u7576\u50ac\u6536\u3002<\/li>\n\n\n\n<li>\u514d\u9664\u623f\u5c4b\u67e5\u5c01\u3002<\/li>\n\n\n\n<li>\u4e0d\u518d\u6709\u627e\u5c0b\u5de5\u4f5c\u4e4b\u56f0\u64fe\u3002<\/li>\n\n\n\n<li>\u62c9\u9577\u9084\u6b3e\u6642\u9593\uff08\u6700\u9577\u53ef\u5230180\u671f\uff09\uff0c\u4e5f\u80fd\u63d0\u524d\u7e73\u6e05\u5269\u9918\u7684\u671f\u6578\u3002<\/li>\n\n\n\n<li>\u4e0d\u7d81\u7d04\u5b8c\u5168\u7121\u9055\u7d04\u91d1\u3002<\/li>\n\n\n\n<li>\u7121\u9808\u64d4\u4fdd\u4eba\u6216\u4f7f\u7528\u62b5\u62bc\u54c1\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u5354\u5546\u6210\u529f<\/strong>\uff1a\u8207\u6700\u5927\u50b5\u6b0a\u884c\u7533\u8acb\u5354\u5546\u2192\u5354\u5546\u6210\u529f\u2192\u4f9d\u7167\u5354\u5546\u65b9\u6848\u9084\u6b3e\u3002<\/p>\n\n\n\n<p><strong>\u5354\u5546\u5931\u6557<\/strong>&nbsp;: \u8207\u6700\u5927\u50b5\u6b0a\u884c\u7533\u8acb\u5354\u5546\u2192\u5354\u5546\u5931\u6557\u2192\u4f9d\u7167\u50b5\u52d9\u4eba\u7684\u689d\u4ef6\u2192\u66f4\u751f\u3001\u6e05\u7b97\u3001\u518d\u6b21\u5354\u5546\u3002<\/p>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u300a<a href=\"https:\/\/farenguakao.com\/credit-card-interest-rates\/\">\u5faa\u74b0\u5229\u606f\u662f\u4ec0\u9ebc?\u4fe1\u7528\u5361\u6709\u5361\u5faa\u4e86,\u8981\u8fa6\u4fe1\u8cb8\u9084\u662f\u4f7f\u7528\u4fe1\u7528\u5361\u5206\u671f\u4f86\u7dad\u6301\u4fe1\u7528<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/farenguakao.com\/faulty-credit\/\">\u6211\u6709\u4fe1\u7528\u7455\u75b5\uff0c\u600e\u9ebc\u8fa6\u8cb8\u6b3e\uff1f\u4fe1\u7528\u4e0d\u826f\u53ef\u4ee5\u8fa6\u4fe1\u8cb8\u9084\u662f\u623f\u8cb8\u55ce\uff1f<\/a>\u300b<\/li>\n<\/ul>\n\n\n\n<p>\u4e0d\u904e\u8d70\u5230\u50b5\u52d9\u5354\u5546\u5f8c\uff0c\u5373\u4f7f\u5c07\u50b5\u52d9\u9084\u6e05\uff0c\u806f\u5fb5\u4e2d\u5fc3\u4ecd\u6703\u6301\u6709\u4e0d\u826f\u4fe1\u7528\u7684\u8a3b\u8a18\u4e00\u5e74\uff0c\u6240\u4ee5\u4e26\u4e0d\u662f\u50b5\u52d9\u9084\u6e05\u5f8c\u99ac\u4e0a\u5c31\u80fd\u4f7f\u7528\u4fe1\u7528\u5361\u6216\u7533\u8fa6\u4fe1\u8cb8\u5594\uff01<\/p>\n\n\n\n<p>\u60f3\u4e86\u89e3\u81ea\u5df1\u7684\u50b5\u52d9\u72c0\u6cc1\u9664\u4e86\u5354\u5546\u4e4b\u5916\u662f\u5426\u4ecd\u6709\u5176\u4ed6\u9078\u64c7\uff0c\u6b61\u8fce\u96a8\u6642\u806f\u7e6b\u8cb8\u6b3e\u901a\u5ba2\u670d\uff0c\u9032\u884c\u514d\u8cbb\u8aee\u8a62\uff01<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"900\" src=\"https:\/\/farenguakao.com\/wp-content\/uploads\/debt-burden-ratio12102.jpg\" alt=\"\u8ca0\u50b5\u6bd4\u7387\u904e\u9ad8\u8a72\u5982\u4f55\u964d\u4f4e\uff1f\" class=\"wp-image-86613\" srcset=\"https:\/\/farenguakao.com\/wp-content\/uploads\/debt-burden-ratio12102.jpg 900w, https:\/\/farenguakao.com\/wp-content\/uploads\/debt-burden-ratio12102-300x300.jpg 300w, https:\/\/farenguakao.com\/wp-content\/uploads\/debt-burden-ratio12102-150x150.jpg 150w, https:\/\/farenguakao.com\/wp-content\/uploads\/debt-burden-ratio12102-768x768.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption class=\"wp-element-caption\">\u8ca0\u50b5\u6bd4\u7387\u904e\u9ad8\u8a72\u5982\u4f55\u964d\u4f4e\uff1f<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%B2%A0%E5%82%B5%E6%95%B4%E5%90%88VS%E5%82%B5%E5%8B%99%E5%8D%94%E5%95%86%E6%AF%94%E8%BC%83%E8%A1%A8\"><\/span>\u8ca0\u50b5\u6574\u5408VS\u50b5\u52d9\u5354\u5546\u6bd4\u8f03\u8868<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td>\u9805\u76ee<\/td><td>\u6574\u5408\u8ca0\u50b5<\/td><td>\u50b5\u52d9\u5354\u5546<\/td><\/tr><tr><td>\u8aaa\u660e<\/td><td>\u5c07\u500b\u4eba\u4fe1\u8cb8\u3001\u4fe1\u7528\u5361\u7b49\u50b5\u52d9\u52a0\u4ee5\u7d71\u6574\u5f8c\uff0c\u6574\u5408\u5230\u4e00\u500b\u9280\u884c\u7e73\u7d0d\uff0c\u597d\u8655\u662f\u53ef\u4ee5\u964d\u4f4e\u6708\u7e73\u91d1\u984d\u8207\u5229\u606f\uff0c\u4e14\u6574\u5408\u8ca0\u50b5\u4ecd\u662f\u4e00\u7a2e\u8cb8\u6b3e\uff0c\u6240\u4ee5\u4e26\u4e0d\u5f71\u97ff\u4fe1\u7528\u72c0\u6cc1\u3002<\/td><td>\u8ca0\u50b5\u904e\u9ad8\u7684\u4eba\u50cf\u50b5\u52d9\u6700\u9ad8\u7684\u50b5\u6b0a\u9280\u884c\u63d0\u51fa\u5354\u5546\u7533\u8acb\uff0c\u53e6\u5916\u7c3d\u8a02\u4e00\u500b\u6709\u5225\u65bc\u4e4b\u524d\u8cb8\u6b3e\u7684\u511f\u9084\u65b9\u6848\uff0c\u900f\u904e\u5354\u5546\u6e9d\u901a\u9084\u6b3e\u689d\u4ef6\uff0c\u5728\u7d93\u7531\u96d9\u65b9\u7684\u540c\u610f\u4e0b\u89e3\u6c7a\u50b5\u52d9\u554f\u984c<\/td><\/tr><tr><td>\u9069\u5408\u65cf\u7fa4<\/td><td>\u7576\u60a8\u8eab\u8ca0\u591a\u7b46\u8ca0\u50b5\u3001\u5361\u50b5\uff0c\u6bcf\u5929\u88ab\u5faa\u74b0\u5229\u606f\u8ffd\u8457\u8dd1;\u9650\u5236\u662f\u8ca0\u50b5\u4e0d\u53ef\u8d85\u904e\u6536\u516522\u500d\u7684\u4e0a\u9650\u898f\u5b9a<\/td><td>\u9280\u884c\u5224\u5b9a\u60a8\u7684\u8ca0\u50b5\u91d1\u984d\u5df2\u9060\u9060\u8d85\u904e\u53ef\u8ca0\u64d4\u7684\u6bcf\u6708\u652f\u51fa;\u7d93\u7531\u6b63\u78ba\u7684\u5354\u5546\u53ef\u4ee5\u7372\u53d6\u66f4\u4f4e\u7684\u91d1\u984d\u8207\u66f4\u9577\u7684\u9084\u6b3e\u5e74\u9650\u3002<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%B2%A0%E5%82%B5%E6%AF%94Q_A\"><\/span>\u8ca0\u50b5\u6bd4Q&amp;A<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-54\"><strong class=\"schema-faq-question\">\u8ca0\u50b5\u6bd4\u904e\u9ad8\u6703\u5e36\u4f86\u7684\u5f71\u97ff\u6709\u90a3\u4e9b\uff1f<\/strong> <p class=\"schema-faq-answer\">\u5f71\u97ff\u500b\u4eba\u4fe1\u7528\u72c0\u6cc1<br\/>\u6bcf\u6708\u652f\u51fa\u5927\u65bc\u6536\u5165<br\/>\u4ee5\u5f8c\u7533\u8acb\u8cb8\u6b3e\u4e0d\u6613\u904e\u4ef6<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-54\"><strong class=\"schema-faq-question\">\u8ca0\u50b5\u6bd4\u7387\u904e\u9ad8\u8a72\u5982\u4f55\u964d\u4f4e\uff1f<\/strong> <p class=\"schema-faq-answer\">\u526a\u6389\u4fe1\u7528\u5361\u4e14\u505c\u6b62\u4f7f\u7528\u5e33\u55ae\u5206\u671f<br\/>\u505c\u6b62\u4e0d\u5fc5\u8981\u7684\u8cb8\u6b3e<br\/>\u50b5\u52d9\u6574\u5408\u6216\u50b5\u52d9\u5354\u5546<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-06\"><strong class=\"schema-faq-question\">\u500b\u4eba\u8ca0\u50b5\u6bd4\u8a08\u7b97\u516c\u5f0f\u70ba\u4f55\uff1f<\/strong> <p class=\"schema-faq-answer\">\u8ca0\u50b5\u6bd4\u7684\u8a08\u7b97\u516c\u5f0f\uff1a\u8ca0\u50b5\u6bd4\u7387\uff1d\uff08\u8ca0\u50b5\u7e3d\u984d\uff0f\u8cc7\u7522\u7e3d\u984d\uff09\u00d7 100 \uff05<br\/>\u6240\u4ee5\u5982\u679c\u8981\u964d\u4f4e\u8ca0\u50b5\u6bd4\u53ef\u4ee5\u671d\u589e\u52a0\u6536\u5165\u6216\u662f\u964d\u4f4e\u8ca0\u50b5\u9019\u4e8c\u500b\u65b9\u5411<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-20\"><strong class=\"schema-faq-question\">\u54ea\u4e9b\u652f\u51fa\u6703\u88ab\u8a08\u5165\u8ca0\u50b5\u6bd4\u7387\uff1f<\/strong> <p class=\"schema-faq-answer\">\u623f\u5c4b\u8cb8\u6b3e\u3001\u6c7d\u8eca\u8cb8\u6b3e\u3001\u9280\u884c\u4fe1\u8cb8\u3001\u5c31\u5b78\u8cb8\u6b3e\u3001\u4fe1\u7528\u5361\u5206\u671f\u3001\u4fe1\u7528\u5361\u5faa\u74b0<\/p> <\/div> <\/div>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80:&lt;<a href=\"https:\/\/farenguakao.com\/creditloans\/\">\u300a\u8ca0\u50b5\u6574\u5408\u8ddf\u50b5\u52d9\u5354\u5546\u5dee\u5225\u5728\u90a3?\u300b\u4fe1\u7528\u5361\u8ca0\u50b5\u6574\u5408\u7533\u8acb\u624b\u7e8c\u8cbb\u591a\u5c11\u9322<\/a>&gt;<\/p>\n\n\n\n<p>\u4ee5\u4e0a\u662f\u500b\u4eba\u8ca0\u50b5\u6bd4\u7387\u904e\u9ad8\u600e\u9ebc\u8fa6?\u8ca0\u50b5\u6bd4\u8d85\u904e22\u500d,\u50b5\u52d9\u5354\u5546\/\u8ca0\u50b5\u6574\u5408\u9078\u54ea\u500b?\u7684\u4ecb\u7d39\uff0c\u5982\u6709\u5176\u4ed6\u60f3\u8981\u4e86\u89e3\u7684\u6b61\u8fce\u4f86\u96fb\u514d\u8cbb\u8aee\u8a62\u6216\u586b\u5beb\u7dda\u4e0a\u8868\u55ae\u7531\u5c08\u4eba\u70ba\u60a8\u670d\u52d9\uff01<\/p>\n\n\n\n<p>\u6ce8\u610f:\u5408\u6cd5\u7684\u8cb8\u6b3e\u516c\u53f8\u5728\u64a5\u6b3e\u524d\u662f\u4e0d\u6703\u8ddf\u4f60\u6536\u53d6\u4efb\u4f55\u8cbb\u7528\u7684\u3002\u5408\u6cd5\u7684\u8cb8\u6b3e\u516c\u53f8\u5728\u5c0d\u4fdd\u524d\u662f\u4e0d\u6703\u9700\u8981\u4f60\u7684\u8eab\u5206\u8b49\u8b49\u4ef6\u7684\u4e5f\u4e0d\u9700\u63d0\u4f9b\u5b58\u647a\u57f9\u990a\u9032\u51fa\u8a18\u9304\u7684\u3002<\/p>\n\n\n\n<h2 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