{"id":1895,"date":"2023-01-12T22:27:38","date_gmt":"2023-01-12T22:27:38","guid":{"rendered":"https:\/\/besttorontorealestateagent.ca\/?p=1895"},"modified":"2023-01-12T22:27:38","modified_gmt":"2023-01-12T22:27:38","slug":"%e5%8a%a0%e6%8b%bf%e5%a4%a7%e9%93%b6%e8%a1%8c%e4%b8%9a%e7%9b%91%e7%ae%a1%e6%9c%ba%e6%9e%84%e5%b0%b1%e5%8f%af%e8%83%bd%e6%84%8f%e5%91%b3%e7%9d%80%e6%8a%b5%e6%8a%bc%e8%b4%b7%e6%ac%be%e5%8f%91%e7%94%9f","status":"publish","type":"post","link":"https:\/\/besttorontorealestateagent.ca\/?p=1895","title":{"rendered":"\u52a0\u62ff\u5927\u94f6\u884c\u4e1a\u76d1\u7ba1\u673a\u6784\u5c31\u53ef\u80fd\u610f\u5473\u7740\u62b5\u62bc\u8d37\u6b3e\u53d1\u751f\u91cd\u5927\u53d8\u5316\u7684\u63d0\u6848\u5f81\u6c42\u610f\u89c1"},"content":{"rendered":"<div id=\"\">\n<figure class=\"BodyImage__BodyImagePhoto-xeeopr-0 hlZAht\"><picture class=\"l-media\"><source srcset=\"https:\/\/www.theglobeandmail.com\/resizer\/FHEmwylEECrzWf7iKHq-72-rBRc=\/1200x0\/filters:quality(80):format(webp)\/cloudfront-us-east-1.images.arcpublishing.com\/tgam\/J64ZASGX2VAPNB4JYBXNOIJ3ZI.JPG 1200w\" type=\"image\/webp\" media=\"(min-width: 80rem)\" sizes=\"940px\" \/><source srcset=\"https:\/\/www.theglobeandmail.com\/resizer\/SLjpwpeTH2ZyWzK6LAK7-OjfoKI=\/1200x0\/filters:quality(80):format(jpeg)\/cloudfront-us-east-1.images.arcpublishing.com\/tgam\/J64ZASGX2VAPNB4JYBXNOIJ3ZI.JPG 1200w\" type=\"image\/jpeg\" media=\"(min-width: 80rem)\" sizes=\"940px\" \/><source srcset=\"https:\/\/www.theglobeandmail.com\/resizer\/U5a44CqMbRfS4rrm0_tpKzbaj7c=\/900x0\/filters:quality(80):format(webp)\/cloudfront-us-east-1.images.arcpublishing.com\/tgam\/J64ZASGX2VAPNB4JYBXNOIJ3ZI.JPG 900w\" type=\"image\/webp\" media=\"(min-width: 48rem) and (max-width: 79.9rem)\" sizes=\"690px\" \/><source srcset=\"https:\/\/www.theglobeandmail.com\/resizer\/cUgIjasngpnfTKzQxcp6OCMOK4E=\/900x0\/filters:quality(80):format(jpeg)\/cloudfront-us-east-1.images.arcpublishing.com\/tgam\/J64ZASGX2VAPNB4JYBXNOIJ3ZI.JPG 900w\" type=\"image\/jpeg\" media=\"(min-width: 48rem) and (max-width: 79.9rem)\" sizes=\"690px\" \/><source srcset=\"https:\/\/www.theglobeandmail.com\/resizer\/e_yclVMkQRsJmG_KEbx6jvrvRZg=\/600x0\/filters:quality(80):format(webp)\/cloudfront-us-east-1.images.arcpublishing.com\/tgam\/J64ZASGX2VAPNB4JYBXNOIJ3ZI.JPG 600w\" type=\"image\/webp\" media=\"(max-width: 47.9rem)\" sizes=\"100vw\" \/><source srcset=\"https:\/\/www.theglobeandmail.com\/resizer\/vzRMKCs2C8qLtG6DDtUd0hzSSuQ=\/600x0\/filters:quality(80):format(jpeg)\/cloudfront-us-east-1.images.arcpublishing.com\/tgam\/J64ZASGX2VAPNB4JYBXNOIJ3ZI.JPG 600w\" type=\"image\/jpeg\" media=\"(max-width: 47.9rem)\" sizes=\"100vw\" \/><img loading=\"lazy\" decoding=\"async\" class=\"c-image\" src=\"https:\/\/www.theglobeandmail.com\/resizer\/vzRMKCs2C8qLtG6DDtUd0hzSSuQ=\/600x0\/filters:quality(80):format(jpeg)\/cloudfront-us-east-1.images.arcpublishing.com\/tgam\/J64ZASGX2VAPNB4JYBXNOIJ3ZI.JPG\" alt=\"\" width=\"600\" height=\"402\" \/><\/picture><figcaption class=\"c-image-figcap font-gmsans c-image-figcap--block\">\n<div class=\"figcap-grid\">\n<div class=\"figcap-cc\">\n<p class=\"figcap-text\"><span class=\"caption cap-1\">\u91d1\u878d\u673a\u6784\u76d1\u7ba1\u529e\u516c\u5ba4 (OSFI) Peter Routledge \u5728\u6e25\u592a\u534e\u3002<\/span><span class=\"credit acl-1\">Dave Chan\/\u73af\u7403\u90ae\u62a5<\/span><\/p>\n<\/div>\n<\/div>\n<\/figcaption><\/figure>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u52a0\u62ff\u5927\u94f6\u884c\u4e1a\u76d1\u7ba1\u673a\u6784\u63d0\u8bae\u5bf9\u4f4f\u623f\u878d\u8d44\u8fdb\u884c\u91cd\u5927\u6539\u9769\uff0c\u53ef\u80fd\u5bf9\u8d37\u65b9\u5982\u4f55\u53d1\u653e\u62b5\u62bc\u8d37\u6b3e\u8bbe\u7f6e\u4e09\u4e2a\u65b0\u9650\u5236\u3002<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u8be5\u63d0\u8bae\u662f\u5728\u52a0\u62ff\u5927\u592e\u884c\u81ea 3 \u6708 1 \u65e5\u4ee5\u6765\u5c06\u5229\u7387\u63d0\u9ad8\u4e86 4 \u4e2a\u767e\u5206\u70b9\u4e4b\u540e\u63d0\u51fa\u7684\uff0c\u52a0\u62ff\u5927\u5e73\u5747\u623f\u4ef7\u5728\u8fc7\u53bb\u4e5d\u4e2a\u6708\u4e2d\u66b4\u8dcc\u4e86 22.4%\uff0c\u7ecf\u6d4e\u8870\u9000\u7684\u5a01\u80c1\u8feb\u5728\u7709\u776b\u3002<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u5468\u56db\u4e0a\u5348\uff0c\u91d1\u878d\u673a\u6784\u76d1\u7ba1\u529e\u516c\u5ba4 (OSFI) \u53d1\u5e03\u4e86\u65b0\u7684\u62df\u8bae\u62b5\u62bc\u8d37\u6b3e\u6307\u5357\u4ee5\u5f81\u8be2\u516c\u4f17\u610f\u89c1\u3002<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u4ece\u672c\u8d28\u4e0a\u8bb2\uff0cOSFI \u5e0c\u671b\u4ece\u8054\u90a6\u76d1\u7ba1\u7684\u62b5\u62bc\u8d37\u6b3e\u5e02\u573a\u4e2d\u5254\u9664\u53e6\u4e00\u5c42\u6700\u4e0d\u5408\u683c\u7684\u501f\u6b3e\u4eba\u3002 \u4f46\u4ed6\u4eec\u5c06\u5982\u4f55\u505a\u5230\u8fd9\u4e00\u70b9\u5c1a\u672a\u786e\u5b9a\u3002<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u201c\u6211\u4eec\u5df2\u7ecf\u653e\u5f03\u4e86\u6211\u4eec\u6b63\u5728\u8003\u8651\u7684\u4e00\u4e9b\u60f3\u6cd5\uff0c\u201dOSFI \u8d1f\u8d23\u4eba Peter Routledge \u5728\u63a5\u53d7\u91c7\u8bbf\u65f6\u544a\u8bc9\u73af\u7403\u90ae\u62a5\u3002 \u201c\u6211\u4eec\u6b63\u5728\u63d0\u524d\u5f00\u653e\u54a8\u8be2\u3002 \u6211\u4eec\u9700\u8981\u60f3\u6cd5\u3002 \u6211\u4eec\u9700\u8981\u5efa\u8bbe\u6027\u7684\u6279\u8bc4\u3002 \u6211\u4eec\u60f3\u542c\u542c\u7cfb\u7edf\u4e2d\u73a9\u5bb6\u7684\u610f\u89c1\u3002\u201d<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u6839\u636e\u5468\u56db\u53d1\u5e03\u7684\u6d88\u606f\uff0c\u6b63\u5728\u8003\u8651\u7684\u5185\u5bb9\u5305\u62ec\uff1a<\/p>\n<h2 class=\"text-pb-6 hl2 mt-40 mb-24 font-pratt-bold c-article-body__subheading-v2 c-article-body__subheading-v2--level2 c-article-body__subheading-v2--regular\"><b>\u5bf9\u62b5\u62bc\u8d37\u6b3e\u89c4\u6a21\u548c\u503a\u52a1\u8d1f\u62c5\u7684\u65b0\u9650\u5236<\/b><\/h2>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u8fd9\u4e9b\u63aa\u65bd\u5c06\u9650\u5236\u94f6\u884c\u53ef\u4ee5\u5411\u62b5\u62bc\u8d37\u6b3e\u6216\u603b\u503a\u52a1\u8d85\u8fc7\u5176\u603b\u6536\u5165\u4e00\u5b9a\u767e\u5206\u6bd4\u7684\u501f\u6b3e\u4eba\u63d0\u4f9b\u591a\u5c11\u8d37\u6b3e\u3002 \u4f8b\u5982\uff0cOSFI \u53ef\u80fd\u8981\u6c42\u94f6\u884c\u786e\u4fdd\u4e0d\u8d85\u8fc7 25% \u7684\u62b5\u62bc\u8d37\u6b3e\u7684\u8d37\u6b3e\u91d1\u989d\u8d85\u8fc7\u501f\u6b3e\u4eba\u5e74\u6536\u5165\u7684 4.5 \u500d\u3002 \u4e0e\u4eca\u5929\u76f8\u6bd4\uff0c\u636e\u6211\u4f30\u8ba1\uff0c\u8fd9\u53ef\u80fd\u4f1a\u9650\u5236 5% \u5230 10% \u7684\u501f\u6b3e\u4eba\u7684\u62b5\u62bc\u8d37\u6b3e\u91d1\u989d\u3002<\/p>\n<h2 class=\"text-pb-6 hl2 mt-40 mb-24 font-pratt-bold c-article-body__subheading-v2 c-article-body__subheading-v2--level2 c-article-body__subheading-v2--regular\"><b>\u65b0\u7684\u507f\u503a\u8303\u56f4\u9650\u5236<\/b><\/h2>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u8fd9\u4e00\u53d8\u5316\u53ef\u80fd\u4f1a\u8fdb\u4e00\u6b65\u9650\u5236\u501f\u6b3e\u4eba\u7684\u62b5\u62bc\u8d37\u6b3e\u652f\u4ed8\u6216\u5176\u4ed6\u4e49\u52a1\u5360\u6536\u5165\u7684\u767e\u5206\u6bd4\u3002 \u4f8b\u5982\uff0c\u5927\u591a\u6570\u94f6\u884c\u5c06\u501f\u6b3e\u4eba\u7684\u4f4f\u623f\u503a\u52a1\u9650\u5236\u5728\u603b\u6536\u5165\u7684 39% \u6216\u66f4\u5c11\u3002 \u5230\u76ee\u524d\u4e3a\u6b62\uff0cOSFI \u8fd8\u6ca1\u6709\u9650\u5236\u8fd9\u4e2a\u6570\u5b57\u3002 \u73b0\u5728\u53ef\u80fd\u3002 \u800c\u4e14\u5b83\u53ef\u80fd\u4f1a\u9650\u5236\u8d37\u65b9\u4e3a\u7ed5\u8fc7\u501f\u8d37\u538b\u529b\u6d4b\u8bd5\u800c\u5236\u5b9a\u7684\u503a\u52a1\u6bd4\u7387\u4f8b\u5916\u60c5\u51b5\u3002<\/p>\n<h2 class=\"text-pb-6 hl2 mt-40 mb-24 font-pratt-bold c-article-body__subheading-v2 c-article-body__subheading-v2--level2 c-article-body__subheading-v2--regular\"><b>\u65b0\u7684\u5229\u7387\u627f\u53d7\u80fd\u529b\u538b\u529b\u6d4b\u8bd5<\/b><\/h2>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">OSFI \u8868\u793a\uff0c\u5b83\u53ef\u80fd\u4f1a\u5b9e\u65bd\u65b0\u7684\u6700\u4f4e\u5229\u7387\uff0c\u8be5\u5229\u7387\u9002\u7528\u4e8e\u507f\u503a\u8986\u76d6\u7387\u8ba1\u7b97\uff0c\u4ee5\u6d4b\u8bd5\u501f\u6b3e\u4eba\u5728\u53d1\u751f\u91d1\u878d\u51b2\u51fb\u65f6\u652f\u4ed8\u66f4\u9ad8\u503a\u52a1\u7684\u80fd\u529b\u3002 \u6f5c\u5728\u51b2\u51fb\u7684\u4f8b\u5b50\u5305\u62ec\u6536\u5165\u635f\u5931\u3001\u5229\u7387\u98d9\u5347\u548c\u79bb\u5a5a\u3002 \u9664\u5176\u4ed6\u4e8b\u9879\u5916\uff0c\u4e0d\u540c\u62b5\u62bc\u8d37\u6b3e\u6761\u6b3e\u7684\u5408\u683c\u5229\u7387\u53ef\u80fd\u4e0d\u540c\uff0c\u4f8b\u5982\u4e00\u5e74\u56fa\u5b9a\u548c\u4e94\u5e74\u56fa\u5b9a\u3002<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u5728\u63a5\u53d7 The Globe \u91c7\u8bbf\u65f6\uff0cOSFI \u7684\u8d1f\u8d23\u4eba\u8c08\u5230\u4e86\u4ed6\u5bf9\u672a\u6765\u7684\u671f\u671b\u3002<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u201c\u507f\u503a\u80fd\u529b\u662f\u6709\u53f2\u4ee5\u6765\u6700\u5f3a\u7684\u4e4b\u4e00\uff0c\u201d\u52b3\u7279\u5229\u5947\u5148\u751f\u89e3\u91ca\u9053\u3002 \u201c99.86% \u7684\u52a0\u62ff\u5927\u4eba\u76ee\u524d\u90fd\u5728\u507f\u8fd8\u62b5\u62bc\u8d37\u6b3e\u3002\u201d \u8fd9\u662f\u5386\u53f2\u4e0a\u6700\u4f4e\u7684\u6b20\u6b3e\u3002<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u201c\u6211\u4eec\u5e0c\u671b\u4fdd\u6301\u8fd9\u79cd\u72b6\u6001\uff0c\u201d\u4ed6\u8bf4\uff0c\u540c\u65f6\u627f\u8ba4\uff0c\u201c\u5b83\u53ef\u80fd\u4f1a\u4ece\u8fd9\u91cc\u6076\u5316\u4e00\u70b9\u3002\u201d<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u8fd9\u4f4d\u4e3b\u7ba1\u8865\u5145\u8bf4\uff0c\u5728\u5bf9\u94f6\u884c\u8fdb\u884c\u538b\u529b\u6d4b\u8bd5\u540e\uff0c\u4ed6\u201c\u975e\u5e38\u6709\u4fe1\u5fc3\u201d\u52a0\u62ff\u5927\u201c\u5728\u8fd9\u4e9b\u673a\u6784\u7684\u8d44\u672c\u548c\u6d41\u52a8\u6027\u4e2d\u5185\u7f6e\u4e86\u5f88\u591a\u5f39\u6027\u3002\u201d \u4ed6\u8bf4\uff0c\u8fd9\u5c06\u4f7f\u4ed6\u4eec\u80fd\u591f\u627f\u53d7\u91cd\u5927\u51b2\u51fb\uff0c\u4f8b\u5982\u7f8e\u56fd\u5f0f\u7684\u623f\u5730\u4ea7\u5d29\u76d8\u548c\u6781\u7aef\u5931\u4e1a\u3002<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">Routledge \u5148\u751f\u8bf4\uff1a\u201c\u6211\u4eec\u4eca\u5929\u6b63\u5728\u505a\u7684\u662f\u786e\u4fdd\u4f4f\u5b85\u62b5\u62bc\u8d37\u6b3e\u627f\u4fdd\u8d28\u91cf\u4fdd\u6301\u9ad8\u6c34\u5e73\uff0c\u201d\u4ed6\u8865\u5145\u8bf4\uff0cOSFI \u6b63\u5728\u5c3d\u65e9\u4e3a\u5373\u5c06\u5230\u6765\u7684\u201c\u4e0d\u53ef\u9884\u89c1\u7684\u98ce\u9669\u201d\u505a\u51c6\u5907\u3002<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u5c3d\u7ba1 OSFI \u8868\u793a\u5b83\u624d\u521a\u521a\u5f00\u59cb\u516c\u4f17\u54a8\u8be2\u8fc7\u7a0b\uff0c\u4f46\u5f53\u76d1\u7ba1\u673a\u6784\u5b8c\u6210\u6240\u6709\u8fd9\u4e9b\u52aa\u529b\u5e76\u5bf9\u501f\u6b3e\u4eba\u672a\u6765\u80fd\u591f\u652f\u4ed8\u62b5\u62bc\u8d37\u6b3e\u8868\u793a\u62c5\u5fe7\u65f6\uff0c\u5b83\u5c31\u51c6\u5907\u91c7\u53d6\u884c\u52a8\u4e86\u3002 \u867d\u7136 OSFI \u4e0d\u4f1a\u9884\u6d4b\u5176\u6700\u7ec8\u6307\u5357\u4f55\u65f6\u4f1a\u516c\u5e03\uff0c\u4f46\u6211\u6562\u6253\u8d4c\u4f1a\u5728\u590f\u5929\u524d\u540e\u7684\u67d0\u4e2a\u65f6\u95f4\u516c\u5e03\u3002<\/p>\n<div class=\"c-article-media__description c-video-info\">\n<p class=\"c-article-media__caption font-gmsans cap-1 mt-0 mb-0 font-gmsans\">\u91d1\u878d\u673a\u6784\u603b\u76d1\u529e\u516c\u5ba4\u7684\u5f7c\u5f97\u00b7\u52b3\u7279\u5229\u5947 (Peter Routledge) \u4e0e\u62b5\u62bc\u8d37\u6b3e\u4e13\u680f\u4f5c\u5bb6\u7f57\u4f2f\u00b7\u9ea6\u514b\u5229\u65af\u7279 (Rob McLister) \u5750\u4e0b\u6765\u89e3\u91ca\u52a0\u62ff\u5927\u53ef\u80fd\u5bf9\u62b5\u62bc\u8d37\u6b3e\u8fdb\u884c\u7684\u65b0\u9650\u5236\uff0c\u5305\u62ec OSFI \u7684\u6f5c\u5728\u65b0\u8d37\u6b3e\u6536\u5165\u9650\u5236\u548c\u507f\u503a\u9650\u5236\u3002 \u52b3\u7279\u5229\u5947\u5148\u751f\u8fd8\u6743\u8861\u4e86\u52a0\u62ff\u5927\u94f6\u884c\u80fd\u5426\u627f\u53d7\u7f8e\u56fd\u5f0f\u7684\u623f\u5730\u4ea7\u5d29\u76d8\u3002<\/p>\n<p class=\"c-article-media__credit acl-1 font-gmsans\">\u73af\u7403\u90ae\u62a5<\/p>\n<\/div>\n<h2 class=\"text-pb-6 hl2 mt-40 mb-24 font-pratt-bold c-article-body__subheading-v2 c-article-body__subheading-v2--level2 c-article-body__subheading-v2--regular\"><b>\u6f5c\u5728\u7ed3\u679c<\/b><\/h2>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u6211\u4ece\u5468\u56db\u7684\u516c\u544a\u4e2d\u770b\u5230\u4e86\u4e09\u4e2a\u4e3b\u8981\u5f71\u54cd\uff1a<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\"><b>1. \u66f4\u5c11\u7684\u501f\u6b3e\u4eba\u6709\u8d44\u683c\u83b7\u5f97\u8054\u90a6\u76d1\u7ba1\u7684\u8d37\u65b9\uff08\u5982\u94f6\u884c\uff09\u7684\u62b5\u62bc\u8d37\u6b3e\u3002<\/b><\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u6309\u7167\u63d0\u8bae\uff0c\u94f6\u884c\u53ef\u80fd\u4e0d\u5f97\u4e0d\u51cf\u5c11\u5411\u503a\u52a1\u4e0e\u6536\u5165\u6bd4\u7387\u8f83\u9ad8\u7684\u501f\u6b3e\u4eba\uff08\u4f8b\u5982\uff0c\u62b5\u62bc\u8d37\u6b3e\u5360\u6536\u5165\u7684 450% \u4ee5\u4e0a\u7684\u501f\u6b3e\u4eba\uff09\u63d0\u4f9b\u7684\u62b5\u62bc\u8d37\u6b3e\u6570\u91cf\u3002<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">OSFI \u8fd8\u53ef\u4ee5\u5bf9\u94f6\u884c\u7528\u6765\u4e3a\u501f\u6b3e\u4eba\u63d0\u4f9b\u62c5\u4fdd\u7684\u4f20\u7edf\u503a\u52a1\u6bd4\u7387\u65bd\u52a0\u786c\u6027\u9650\u5236\u3002 \u5982\u4eca\uff0c\u94f6\u884c\u5bf9\u4fe1\u8a89\u826f\u597d\u3001\u503a\u52a1\u6536\u5165\u6bd4\u9ad8\u7684\u501f\u6b3e\u4eba\u7834\u4f8b\u2014\u2014\u53ea\u8981\u4ed6\u4eec\u62e5\u6709\u5927\u91cf\u8d44\u4ea7\u6216\u5176\u4ed6\u98ce\u9669\u7f13\u91ca\u5242\u3002 \u8fd9\u53ef\u80fd\u4f1a\u7ed3\u675f\u6216\u88ab\u7f29\u51cf\u3002<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u6700\u91cd\u8981\u7684\u662f\uff0cOSFI \u53ef\u80fd\u4f1a\u4ee5\u67d0\u79cd\u65b9\u5f0f\u63d0\u9ad8\u501f\u6b3e\u4eba\u5fc5\u987b\u8bc1\u660e\u4ed6\u4eec\u80fd\u591f\u8d1f\u62c5\u5f97\u8d77\u7684\u6700\u4f4e\u5229\u7387\u3002<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\"><b>2.\u66f4\u591a\u501f\u6b3e\u4eba\u5c06\u652f\u4ed8\u975e\u4f18\u8d28\u62b5\u62bc\u8d37\u6b3e<\/b><\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u5f53\u94f6\u884c\u4fe1\u8d37\u53d8\u5f97\u66f4\u52a0\u4e25\u683c\u65f6\uff0c\u501f\u6b3e\u4eba\u4f1a\u8d8a\u6765\u8d8a\u591a\u5730\u5bfb\u627e\u76d1\u7ba1\u8f83\u5c11\u7684\u8d37\u65b9\uff0c\u8fd9\u4e9b\u8d37\u65b9\u66f4\u5bb9\u6613\u83b7\u5f97\u6279\u51c6\u3002 \u8fd9\u79cd\u7075\u6d3b\u6027\u4f34\u968f\u7740\u66f4\u9ad8\u7684\u5229\u7387\u548c\u8d39\u7528\uff0c\u8fd9\u589e\u52a0\u4e86\u8fd9\u4e9b\u501f\u6b3e\u4eba\u7684\u8fdd\u7ea6\u98ce\u9669\u3002 OSFI \u8868\u793a\uff0c\u8fd9\u5bf9\u5176\u76d1\u7ba1\u7684\u94f6\u884c\u6765\u8bf4\u662f\u4e00\u4e2a\u65e0\u5173\u7d27\u8981\u7684\u98ce\u9669\u2014\u2014\u4f46\u5982\u679c\u60a8\u662f\u627f\u62c5\u6b64\u98ce\u9669\u7684\u501f\u6b3e\u4eba\uff0c\u90a3\u4e48\u8fd9\u5c31\u662f\u91cd\u5927\u98ce\u9669\u3002<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\"><b>3. \u5728\u5176\u4ed6\u6761\u4ef6\u76f8\u540c\u7684\u60c5\u51b5\u4e0b\uff0c\u5b83\u53ef\u80fd\u4f1a\u7ed9\u623f\u4ef7\u5e26\u6765\u8f7b\u5fae\u7684\u4e0b\u884c\u538b\u529b<\/b><\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u6709\u4eba\u4f1a\u4e89\u8fa9\u8bf4\uff0cOSFI \u7684\u65f6\u673a\u53ef\u80fd\u4f1a\u52a0\u5267\u623f\u5c4b\u629b\u552e\u3002 \u6bd5\u7adf\uff0c\u8bb8\u591a\u5730\u533a\u7684\u623f\u4ef7\u5df2\u7ecf\u8dcc\u843d\u60ac\u5d16\uff0c\u8d1f\u62c5\u80fd\u529b\u56e0\u9ad8\u5229\u7387\u800c\u6349\u895f\u89c1\u8098\uff0c\u6211\u4eec\u5f88\u53ef\u80fd\u4f1a\u9677\u5165\u8870\u9000\u3002 \u6211\u4eec\u8fd8\u521a\u521a\u9881\u5e03\u4e86\u4e00\u9879\u5916\u56fd\u4e70\u5bb6\u7981\u4ee4\uff0c\u4e00\u90e8\u65b0\u7684\u53cd\u5012\u5356\u6cd5\uff0c\u8054\u90a6\u548c\u7701\u653f\u5e9c\u9881\u5e03\u4e86\u4e00\u7cfb\u5217\u65b0\u7684\u4e0e\u623f\u5730\u4ea7\u76f8\u5173\u7684\u7a0e\u6536\uff0c\u5e76\u4e14\u5728 2 \u6708\u7684\u5df4\u585e\u5c14\u534f\u8bae III \u4e2d\uff0c<b> <\/b>\u94f6\u884c\u7684\u56fd\u9645\u76d1\u7ba1\u6846\u67b6\u5c06\u8fdb\u4e00\u6b65\u6536\u7d27\u62b5\u62bc\u8d37\u6b3e\u8d44\u672c\u8981\u6c42\u3002 \u5e78\u8fd0\u7684\u662f\uff0c\u8fd9\u4e9b\u66f4\u6539\u7684\u5b9e\u65bd\u65e5\u671f\u662f\u51e0\u4e2a\u6708\u540e\uff0c\u6211\u731c\u81f3\u5c11\u9700\u8981\u516d\u4e2a\u6708\u3002<\/p>\n<h2 class=\"text-pb-6 hl2 mt-40 mb-24 font-pratt-bold c-article-body__subheading-v2 c-article-body__subheading-v2--level2 c-article-body__subheading-v2--regular\"><b>\u6709\u5fc5\u8981\u5417\uff1f<\/b><\/h2>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u5f88\u5c11\u6709\u4eba\u4f1a\u4e89\u8fa9\u8bf4\uff0c\u66f4\u5b89\u5168\u7684\u623f\u5730\u4ea7\u5e02\u573a\u5e76\u4e0d\u66f4\u597d\u3002 \u4f46\u5c31\u50cf\u9ad8\u901f\u516c\u8def\u4e0a\u7684\u901f\u5ea6\u9650\u5236\u4e00\u6837\uff0c\u5c06\u9650\u5236\u8bbe\u7f6e\u5f97\u592a\u4f4e\uff0c\u6210\u672c\u4f1a\u8d85\u8fc7\u6536\u76ca\u3002<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u5c3d\u7ba1\u51e0\u5341\u5e74\u6765\u6700\u6fc0\u8fdb\u7684\u52a0\u606f\u548c\u4f4f\u623f\u8c03\u6574\uff0c\u4f46\u6839\u636e\u5927\u591a\u6570\u884c\u4e1a\u6307\u6807\uff0c\u52a0\u62ff\u5927\u7684\u4f4f\u623f\u91d1\u878d\u4f53\u7cfb\u4ecd\u7136\u575a\u5982\u78d0\u77f3\u3002 \u8fd9\u5c31\u5f15\u51fa\u4e86\u5f88\u591a\u95ee\u9898\uff0c\u6bd4\u5982\u653f\u5ba2\u548c\u623f\u4e3b\u613f\u610f\u63a5\u53d7\u591a\u5c11\u4fe1\u8d37\u9650\u5236\uff0c\u4ed6\u4eec\u613f\u610f\u4e3a\u975e\u94f6\u884c\u62b5\u62bc\u8d37\u6b3e\u652f\u4ed8\u591a\u5c11\u8d39\u7528\uff0c\u8fd8\u6709\u591a\u5c11\u9996\u6b21\u8d2d\u623f\u8005\u5e94\u8be5\u88ab\u62d2\u4e4b\u95e8\u5916\u2014\u2014\u4e00\u5207\u90fd\u662f\u4e3a\u4e86\u9632\u8303\u53ef\u80fd\u6c38\u8fdc\u4e0d\u4f1a\u53d1\u751f\u7684\u4f4e\u6982\u7387\u672a\u77e5\u98ce\u9669\u3002<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">OSFI \u662f\u5b8c\u5168\u6b63\u786e\u7684\uff0c\u5e76\u56e0\u5728 2018 \u5e74\u5b9e\u65bd\u4e86\u6709\u4e89\u8bae\u7684\u62b5\u62bc\u8d37\u6b3e\u538b\u529b\u6d4b\u8bd5\u800c\u83b7\u5f97\u4e86\u5de8\u5927\u7684\u8d5e\u8a89\u3002\u6ca1\u6709\u5b83\uff0c\u623f\u5730\u4ea7\u6c14\u7403\u5728\u7206\u88c2\u4e4b\u524d\u5c31\u4f1a\u81a8\u80c0\u5f97\u592a\u5927\u3002<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u8fd9\u6b21\u6211\u4eec\u7684\u94f6\u884c\u76d1\u7ba1\u673a\u6784\u4e5f\u662f\u5bf9\u7684\u5417\uff1f \u8fd8\u662f\u62b5\u62bc\u8d37\u6b3e\u6cd5\u89c4\u5df2\u7ecf\u8fc7\u4e86\u6536\u76ca\u9012\u51cf\u70b9\uff1f<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\u672c\u5468\u54a8\u8be2\u5f00\u59cb\u540e\uff0c\u516c\u4f17\u548c\u884c\u4e1a\u5c06\u53ef\u4ee5\u76f4\u63a5\u4e0e\u76d1\u7ba1\u673a\u6784\u5206\u4eab\u4ed6\u4eec\u7684\u610f\u89c1\u3002<\/p>\n<p class=\"c-article-body__text text-pr-5 font-pratt\">\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u91d1\u878d\u673a\u6784\u76d1\u7ba1\u529e\u516c\u5ba4 (OSFI) Peter Routledge \u5728\u6e25\u592a\u534e\u3002Dave Chan\/\u73af\u7403\u90ae\u62a5 \u52a0\u62ff\u5927\u94f6\u884c\u4e1a\u76d1\u7ba1\u673a\u6784\u63d0\u8bae\u5bf9\u4f4f\u623f\u878d\u8d44\u8fdb\u884c\u91cd\u5927\u6539\u9769\uff0c\u53ef\u80fd\u5bf9\u8d37\u65b9\u5982\u4f55\u53d1\u653e\u62b5\u62bc\u8d37\u6b3e\u8bbe\u7f6e\u4e09\u4e2a\u65b0\u9650\u5236\u3002 \u8be5\u63d0\u8bae\u662f\u5728\u52a0\u62ff\u5927\u592e\u884c\u81ea 3 \u6708 1 \u65e5\u4ee5\u6765\u5c06\u5229\u7387\u63d0\u9ad8\u4e86 4 \u4e2a\u767e\u5206\u70b9\u4e4b\u540e\u63d0\u51fa\u7684\uff0c\u52a0\u62ff\u5927\u5e73\u5747\u623f\u4ef7\u5728\u8fc7\u53bb\u4e5d\u4e2a\u6708\u4e2d\u66b4\u8dcc\u4e86 22.4%\uff0c\u7ecf\u6d4e\u8870\u9000\u7684\u5a01\u80c1\u8feb\u5728\u7709\u776b\u3002 \u5468\u56db\u4e0a\u5348\uff0c\u91d1\u878d\u673a\u6784\u76d1\u7ba1\u529e\u516c\u5ba4 (OSFI) \u53d1\u5e03\u4e86\u65b0\u7684\u62df\u8bae\u62b5\u62bc\u8d37\u6b3e\u6307\u5357\u4ee5\u5f81\u8be2\u516c\u4f17\u610f\u89c1\u3002 \u4ece\u672c\u8d28\u4e0a\u8bb2\uff0cOSFI \u5e0c\u671b\u4ece\u8054\u90a6\u76d1\u7ba1\u7684\u62b5\u62bc\u8d37\u6b3e\u5e02\u573a\u4e2d\u5254\u9664\u53e6\u4e00\u5c42\u6700\u4e0d\u5408\u683c\u7684\u501f\u6b3e\u4eba\u3002 \u4f46\u4ed6\u4eec\u5c06\u5982\u4f55\u505a\u5230\u8fd9\u4e00\u70b9\u5c1a\u672a\u786e\u5b9a\u3002 \u201c\u6211\u4eec\u5df2\u7ecf\u653e\u5f03\u4e86\u6211\u4eec\u6b63\u5728\u8003\u8651\u7684\u4e00\u4e9b\u60f3\u6cd5\uff0c\u201dOSFI \u8d1f\u8d23\u4eba Peter Routledge \u5728\u63a5\u53d7\u91c7\u8bbf\u65f6\u544a\u8bc9\u73af\u7403\u90ae\u62a5\u3002 \u201c\u6211\u4eec\u6b63\u5728\u63d0\u524d\u5f00\u653e\u54a8\u8be2\u3002 \u6211\u4eec\u9700\u8981\u60f3\u6cd5\u3002 \u6211\u4eec\u9700\u8981\u5efa\u8bbe\u6027\u7684\u6279\u8bc4\u3002 \u6211\u4eec\u60f3\u542c\u542c\u7cfb\u7edf\u4e2d\u73a9\u5bb6\u7684\u610f\u89c1\u3002\u201d \u6839\u636e\u5468\u56db\u53d1\u5e03\u7684\u6d88\u606f\uff0c\u6b63\u5728\u8003\u8651\u7684\u5185\u5bb9\u5305\u62ec\uff1a \u5bf9\u62b5\u62bc\u8d37\u6b3e\u89c4\u6a21\u548c\u503a\u52a1\u8d1f\u62c5\u7684\u65b0\u9650\u5236 \u8fd9\u4e9b\u63aa\u65bd\u5c06\u9650\u5236\u94f6\u884c\u53ef\u4ee5\u5411\u62b5\u62bc\u8d37\u6b3e\u6216\u603b\u503a\u52a1\u8d85\u8fc7\u5176\u603b\u6536\u5165\u4e00\u5b9a\u767e\u5206\u6bd4\u7684\u501f\u6b3e\u4eba\u63d0\u4f9b\u591a\u5c11\u8d37\u6b3e\u3002 \u4f8b\u5982\uff0cOSFI \u53ef\u80fd\u8981\u6c42\u94f6\u884c\u786e\u4fdd\u4e0d\u8d85\u8fc7 25% \u7684\u62b5\u62bc\u8d37\u6b3e\u7684\u8d37\u6b3e\u91d1\u989d\u8d85\u8fc7\u501f\u6b3e\u4eba\u5e74\u6536\u5165\u7684 4.5 \u500d\u3002 \u4e0e\u4eca\u5929\u76f8\u6bd4\uff0c\u636e\u6211\u4f30\u8ba1\uff0c\u8fd9\u53ef\u80fd\u4f1a\u9650\u5236 5% \u5230 10% \u7684\u501f\u6b3e\u4eba\u7684\u62b5\u62bc\u8d37\u6b3e\u91d1\u989d\u3002 \u65b0\u7684\u507f\u503a\u8303\u56f4\u9650\u5236 \u8fd9\u4e00\u53d8\u5316\u53ef\u80fd\u4f1a\u8fdb\u4e00\u6b65\u9650\u5236\u501f\u6b3e\u4eba\u7684\u62b5\u62bc\u8d37\u6b3e\u652f\u4ed8\u6216\u5176\u4ed6\u4e49\u52a1\u5360\u6536\u5165\u7684\u767e\u5206\u6bd4\u3002 \u4f8b\u5982\uff0c\u5927\u591a\u6570\u94f6\u884c\u5c06\u501f\u6b3e\u4eba\u7684\u4f4f\u623f\u503a\u52a1\u9650\u5236\u5728\u603b\u6536\u5165\u7684 39% \u6216\u66f4\u5c11\u3002 \u5230\u76ee\u524d\u4e3a\u6b62\uff0cOSFI \u8fd8\u6ca1\u6709\u9650\u5236\u8fd9\u4e2a\u6570\u5b57\u3002 \u73b0\u5728\u53ef\u80fd\u3002 \u800c\u4e14\u5b83\u53ef\u80fd\u4f1a\u9650\u5236\u8d37\u65b9\u4e3a\u7ed5\u8fc7\u501f\u8d37\u538b\u529b\u6d4b\u8bd5\u800c\u5236\u5b9a\u7684\u503a\u52a1\u6bd4\u7387\u4f8b\u5916\u60c5\u51b5\u3002 \u65b0\u7684\u5229\u7387\u627f\u53d7\u80fd\u529b\u538b\u529b\u6d4b\u8bd5 OSFI 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