{"id":28455,"date":"2022-04-08T15:00:26","date_gmt":"2022-04-08T07:00:26","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=28455"},"modified":"2022-04-08T15:00:29","modified_gmt":"2022-04-08T07:00:29","slug":"%e5%85%b3%e4%ba%8e%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e7%9a%84%e5%b8%b8%e8%a7%81%e9%97%ae%e9%a2%98","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e5%85%b3%e4%ba%8e%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e7%9a%84%e5%b8%b8%e8%a7%81%e9%97%ae%e9%a2%98","title":{"rendered":"\u5173\u4e8e\u6c7d\u8f66\u4fdd\u9669\u7684\u5e38\u89c1\u95ee\u9898"},"content":{"rendered":"\n<p>\u6c7d\u8f66\u4fdd\u9669\uff0c\u5c31\u662f\u4e2a\u4eba\u4ea4\u901a\u5de5\u5177\u7684\u610f\u5916\u4fdd\u9669\uff0c\u4e3b\u8981\u9488\u5bf9\u8f66\u8f86\u884c\u9a76\u5728\u8def\u4e0a\u65f6\u9047\u5230\u7684\u610f\u5916\uff0c\u5305\u62ec\u8f66\u8f86\u4e0e\u884c\u4eba\u3001\u8f66\u8f86\u4e0e\u5176\u4ed6\u4ea4\u901a\u5de5\u5177\uff0c\u6216\u8f66\u8f86\u4e0e\u516c\u5171\u8bbe\u65bd\u7684\u78b0\u649e\u7b49\uff0c\u800c\u5bfc\u81f4\u4e2a\u4eba\u8f66\u8f86\u53ca\u7b2c\u4e09\u65b9\u8f66\u8f86\u7684\u635f\u574f\u53ca\u635f\u5931\u7b49\u6240\u505a\u51fa\u7684\u7684\u8d54\u507f\u3002<\/p>\n\n\n\n<p>\u7136\u800c\uff0c\u8eab\u4e3a\u4e00\u540d\u8f66\u4e3b\uff0c\u5bf9\u4e8e\u6c7d\u8f66\u4fdd\u9669\uff0c\u6bd4\u5982\uff1a\u6c7d\u8f66\u4fdd\u9669\u548c\u4e2a\u4eba\u610f\u5916\u4fdd\u9669\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f\u4e3a\u4ec0\u4e48\u8f66\u9669\u4ef7\u683c\u4e0d\u540c\uff1f\u65e7\u8f66\u9700\u8981\u8d2d\u4e70\u8f66\u9669\u5417\uff1f\u65e7\u8f66\u53ef\u4ee5\u7d22\u8d54\u4fdd\u9669\u5417\uff1f\u7b49\u7b49\u7b49\u7b49\uff0c\u8fd9\u4e9b\u5173\u4e8e\u6c7d\u8f66\u4fdd\u9669\u7684\u5e38\u89c1\u95ee\u9898\uff0c\u4f60\u4e86\u89e3\u591a\u5c11\u5462\uff1f<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d28381b28cc\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" 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class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e5%85%b3%e4%ba%8e%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e7%9a%84%e5%b8%b8%e8%a7%81%e9%97%ae%e9%a2%98\/#%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E4%B8%8E%E4%B8%AA%E4%BA%BA%E6%84%8F%E5%A4%96%E4%BF%9D%E9%99%A9%E6%9C%89%E4%BB%80%E4%B9%88%E5%8C%BA%E5%88%AB%EF%BC%9F\" title=\"\u6c7d\u8f66\u4fdd\u9669\u4e0e\u4e2a\u4eba\u610f\u5916\u4fdd\u9669\u6709\u4ec0\u4e48\u533a\u522b\uff1f\">\u6c7d\u8f66\u4fdd\u9669\u4e0e\u4e2a\u4eba\u610f\u5916\u4fdd\u9669\u6709\u4ec0\u4e48\u533a\u522b\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" 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title=\"\u65e7\u8f66\u53ef\u4ee5\u7d22\u8d54\u4fdd\u9669\u5417\uff1f\">\u65e7\u8f66\u53ef\u4ee5\u7d22\u8d54\u4fdd\u9669\u5417\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e5%85%b3%e4%ba%8e%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e7%9a%84%e5%b8%b8%e8%a7%81%e9%97%ae%e9%a2%98\/#%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E8%BF%98%E6%B2%A1%E5%88%B0%E6%9C%9F%EF%BC%8C%E5%8F%AF%E4%BB%A5%E5%8F%96%E6%B6%88%E4%BF%9D%E5%8D%95%E5%90%97%EF%BC%9F\" title=\"\u6c7d\u8f66\u4fdd\u9669\u8fd8\u6ca1\u5230\u671f\uff0c\u53ef\u4ee5\u53d6\u6d88\u4fdd\u5355\u5417\uff1f\">\u6c7d\u8f66\u4fdd\u9669\u8fd8\u6ca1\u5230\u671f\uff0c\u53ef\u4ee5\u53d6\u6d88\u4fdd\u5355\u5417\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e5%85%b3%e4%ba%8e%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e7%9a%84%e5%b8%b8%e8%a7%81%e9%97%ae%e9%a2%98\/#%E4%B8%BA%E4%BB%80%E4%B9%88%E4%BF%9D%E9%99%A9%E4%BB%B7%E6%A0%BC%E4%B8%8D%E4%B8%80%E6%A0%B7%EF%BC%9F\" title=\"\u4e3a\u4ec0\u4e48\u4fdd\u9669\u4ef7\u683c\u4e0d\u4e00\u6837\uff1f\">\u4e3a\u4ec0\u4e48\u4fdd\u9669\u4ef7\u683c\u4e0d\u4e00\u6837\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e5%85%b3%e4%ba%8e%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e7%9a%84%e5%b8%b8%e8%a7%81%e9%97%ae%e9%a2%98\/#%E8%BD%A6%E9%99%A9%E4%BB%B7%E6%A0%BC%E6%AF%8F%E5%B9%B4%E9%83%BD%E4%BC%9A%E6%8F%90%E9%AB%98%E5%90%97%EF%BC%9F\" title=\"\u8f66\u9669\u4ef7\u683c\u6bcf\u5e74\u90fd\u4f1a\u63d0\u9ad8\u5417\uff1f\">\u8f66\u9669\u4ef7\u683c\u6bcf\u5e74\u90fd\u4f1a\u63d0\u9ad8\u5417\uff1f<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e5%85%b3%e4%ba%8e%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e7%9a%84%e5%b8%b8%e8%a7%81%e9%97%ae%e9%a2%98\/#%E8%AE%A9%E7%88%B1%E8%BD%A6%E8%8E%B7%E5%BE%97%E5%85%A8%E9%9D%A2%E4%BF%9D%E9%9A%9C\" title=\"\u8ba9\u7231\u8f66\u83b7\u5f97\u5168\u9762\u4fdd\u969c\">\u8ba9\u7231\u8f66\u83b7\u5f97\u5168\u9762\u4fdd\u969c<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%E5%85%B3%E4%BA%8E%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E7%9A%84%E5%B8%B8%E8%A7%81%E9%97%AE%E9%A2%98\"><\/span>\u5173\u4e8e\u6c7d\u8f66\u4fdd\u9669\u7684\u5e38\u89c1\u95ee\u9898<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" 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href=\"https:\/\/bjak.my\/blog\/%e4%ba%86%e8%a7%a3%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e7%9a%843%e7%a7%8d%e7%b1%bb%e5%9e%8b\/#1_%E7%BB%BC%E5%90%88%E5%9E%8B%E4%BF%9D%E9%99%A9\">\u7efc\u5408\u578b\u4fdd\u9669<\/a>\u63d0\u4f9b\u514d\u8d39\u7684<a href=\"https:\/\/bjak.my\/blog\/%e8%b4%ad%e4%b9%b0%e8%bd%a6%e9%99%a9%e4%b9%8b%e5%89%8d%ef%bc%8c%e4%b8%ba%e4%bb%80%e4%b9%88%e8%a6%81%e5%85%88%e6%af%94%e8%be%83%ef%bc%9f\/#%E4%B8%AA%E4%BA%BA%E6%84%8F%E5%A4%96%E4%BF%9D%E9%9A%9C\">\u4e2a\u4eba\u610f\u5916\u4fdd\u969c<\/a>\uff0c\u6bd4\u5982Takaful Malaysia \u53ca Liberty Insurance\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u53f8\u673a\u6216\u8f66\u4e0a\u4e58\u5ba2\u5728\u884c\u9a76\u9014\u4e2d\u53d1\u751f\u610f\u5916\u800c\u6b7b\u4ea1\u6216\u6c38\u4e45\u6027\u6b8b\u75be\uff0cTakaful Malaysia \u5c06\u63d0\u4f9bRM15,000\u7684\u514d\u8d39\u4e2a\u4eba\u610f\u5916\u4fdd\u969c\u3002<\/p>\n\n\n\n<p>\u81f3\u4e8e Liberty Insurance\uff0c\u4e2a\u4eba\u610f\u5916\u4fdd\u9669\u4ec5\u63d0\u4f9b\u7ed9\u4fdd\u5355\u6301\u6709\u4eba\uff0c\u6295\u4fdd\u4eba\u82e5\u5728\u610f\u5916\u53d1\u751f\u7684180\u5929\u5185\u6b7b\u4ea1\u6216\u6c38\u4e45\u6027\u6b8b\u75be\uff0c\u5c06\u53ef\u83b7\u5f97\u6700\u9ad8 RM 10,000\u7684\u8d54\u507f\u3002<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%E5%A6%82%E6%9E%9C%E6%88%91%E5%BE%88%E5%B0%91%E5%BC%80%E8%BD%A6%E4%B8%8D%E5%BC%80%E8%BD%A6%EF%BC%8C%E6%98%AF%E5%90%A6%E9%9C%80%E8%A6%81%E6%9B%B4%E6%96%B0%E8%BD%A6%E9%99%A9%EF%BC%9F\"><\/span>\u5982\u679c\u6211\u5f88\u5c11\u5f00\u8f66\/\u4e0d\u5f00\u8f66\uff0c\u662f\u5426\u9700\u8981\u66f4\u65b0\u8f66\u9669\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u4f5c\u4e3a\u4e00\u540d\u8f66\u4e3b\uff0c\u65e0\u8bba\u4f60\u5f88\u5c11\u5f00\u8f66\u6216\u4e0d\u5f00\u8f66\uff0c\u4f60\u90fd\u9700\u8981\u66f4\u65b0\u8f66\u9669\uff0c\u56e0\u4e3a\u5b83\u662f\u5f3a\u5236\u6027\u7684\u3002<\/p>\n\n\n\n<p>\u6839\u636e<a href=\"https:\/\/www.mpbp.gov.my\/sites\/default\/files\/aktapengangkutanjalan.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u9053\u8def\u8fd0\u8f93\u6cd5\u5f8b1987<\/a>\uff0c\u9a6c\u6765\u897f\u4e9a\u9646\u4ea4\u5c40\uff08JPJ\uff09\u89c4\u5b9a\u6bcf\u8f86\u6c7d\u8f66\u53ca\u6469\u6258\u5fc5\u987b\u62e5\u6709\u6709\u6548\u7684\u8def\u7a0e\u624d\u80fd\u5728\u516c\u8def\u4e0a\u884c\u9a76\u3002\u5728\u66f4\u65b0\u8def\u7a0e\u4e4b\u524d\uff0c\u8f66\u4e3b\u5fc5\u987b\u5148\u66f4\u65b0\u6c7d\u8f66\u4fdd\u9669\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u5982\u679c<a href=\"https:\/\/bjak.my\/blog\/%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E8%BF%87%E6%9C%9F%E5%BE%88%E4%B9%85%E4%BA%86%EF%BC%9F-%E6%82%A8%E5%8F%AF%E8%83%BD%E9%9D%A2%E4%B8%B4%E8%BF%99%E4%BA%9B%E5%90%8E%E6%9E%9C%EF%BC%81\/\">\u8f66\u9669\u903e\u671f<\/a>\uff0c\u5c06\u5f71\u54cd\u4f60\u7684<a 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href=\"https:\/\/bjak.my\/blog\/%e8%b7%af%e7%a8%8e%e9%80%be%e6%9c%9f3%e5%b9%b4%e8%bf%98%e5%8f%af%e4%bb%a5%e6%9b%b4%e6%96%b0%e5%90%97\/#%E8%B7%AF%E7%A8%8E%E9%80%BE%E6%9C%9F%E8%B6%85%E8%BF%873%E5%B9%B4%EF%BC%8C%E9%9C%80%E5%88%B0PUSPAKOM%E9%AA%8C%E8%BD%A6\">\u8def\u7a0e\u8fc7\u671f\u8d85\u8fc73\u5e74<\/a>\uff0c\u4f60\u8fd8\u9700\u8981\u5c06\u8f66\u5b50\u9001\u5f80<a href=\"https:\/\/bjak.my\/blog\/puspakom%e9%aa%8c%e8%bd%a6%e7%a8%8b%e5%ba%8f\/\">\u7535\u8111\u9a8c\u8f66\u4e2d\u5fc3 PUSPAKOM\uff08Pusat Pemeriksaan Kenderaan Berkomputer\uff09\u8fdb\u884c\u9a8c\u8f66<\/a>\u3002\u5728\u9a8c\u8f66\u4e2d\u5fc3\uff0c\u4ed6\u4eec\u5c06\u68c0\u67e5\u6c7d\u8f66\u7684\u96f6\u4ef6\uff0c\u5982\u5239\u8f66\u3001\u4fe1\u53f7\u706f\u7b49\u3002\u53ea\u6709\u901a\u8fc7\u9a8c\u8f66\uff0c\u4f60\u624d\u53ef\u4ee5\u91cd\u65b0\u66f4\u65b0\u4f60\u7684\u8def\u7a0e\u3002<\/p>\n\n\n\n<p>\u65e0\u8bba\u5982\u4f55\uff0c\u53ea\u8981\u62e5\u6709\u8f66\u8f86\uff0c\u5c31\u5fc5\u987b\u8d2d\u4e70\u6c7d\u8f66\u4fdd\u9669\uff0c\u4ee5\u786e\u4fdd\u4f60\u7684\u8f66\u8f86\u59cb\u7ec8\u53d7\u5230\u4fdd\u969c\uff0c\u56e0\u4e3a\u4f60\u7684\u8f66\u8f86\u968f\u65f6\u90fd\u4f1a\u906d\u9047\u5931\u706b\u3001\u5931\u7a83\u53ca\u8f66\u7978\u7b49\u610f\u5916\u3002<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%E6%88%91%E7%9A%84%E8%BD%A6%E5%AD%90%E5%B7%B2%E7%BB%8F%E8%B6%85%E8%BF%8715%E5%B9%B4%E8%BD%A6%E9%BE%84%EF%BC%8C%E5%8F%AF%E4%BB%A5%E6%9B%B4%E6%96%B0%E8%BD%A6%E9%99%A9%E5%90%97%EF%BC%9F\"><\/span>\u6211\u7684\u8f66\u5b50\u5df2\u7ecf\u8d85\u8fc715\u5e74\u8f66\u9f84\uff0c\u53ef\u4ee5\u66f4\u65b0\u8f66\u9669\u5417\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u53ef\u4ee5\uff0c\u4f46\u5bf9\u4e8e 15 \u5e74\u4ee5\u4e0a\u7684\u65e7\u8f66\u7684\u4fdd\u9669\u4fdd\u969c\u975e\u5e38\u6709\u9650\uff0c\u56e0\u4e3a\u5927\u591a\u6570<a href=\"https:\/\/bjak.my\/blog\/%e5%bf%85%e4%bd%b3%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8%e6%b1%87%e6%80%bb\/\">\u4fdd\u9669\u516c\u53f8<\/a>\u90fd\u4e0d\u4e3a\u6b64\u7c7b\u8f66\u8f86\u63d0\u4f9b\u5168\u9762\u7684\u4fdd\u9669\u4fdd\u969c\u3002<\/p>\n\n\n\n<p>\u5bf9\u4e8e 15 \u5e74\u4ee5\u4e0a\u8f66\u8f86\u7684\u6c7d\u8f66\uff0c\u5927\u591a\u6570\u4fdd\u9669\u516c\u53f8\u4f1a\u63a8\u8350<a href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e9%a1%bb%e7%9f%a5\/#2_%E7%AC%AC%E4%B8%89%E6%96%B9%E3%80%81%E5%A4%B1%E7%81%AB%E5%8F%8A%E5%A4%B1%E7%AA%83%E4%BF%9D%E9%99%A9\">\u7b2c\u4e09\u65b9\u3001\u5931\u706b\u548c\u5931\u7a83\u4fdd\u9669<\/a>\uff0c\u4ee5\u786e\u4fdd\u65e7\u8f66\u5f97\u5230\u5f88\u597d\u7684\u4fdd\u969c\u3002<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%E4%B8%BA%E4%BB%80%E4%B9%8815%E5%B9%B4%E8%BD%A6%E9%BE%84%E7%9A%84%E8%BD%A6%E5%AD%90%E4%B8%8D%E8%83%BD%E8%B4%AD%E4%B9%B0%E7%BB%BC%E5%90%88%E5%9E%8B%E4%BF%9D%E9%99%A9%EF%BC%9F\"><\/span>\u4e3a\u4ec0\u4e4815\u5e74\u8f66\u9f84\u7684\u8f66\u5b50\u4e0d\u80fd\u8d2d\u4e70\u7efc\u5408\u578b\u4fdd\u9669\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5927\u591a\u6570\u4fdd\u9669\u516c\u53f8\u4e00\u822c\u4e0d\u4f1a\u4e3a\u65e7\u8f66\u6295\u4fdd\uff0c\u5c24\u5176\u662f\u5df2\u7ecf\u8fd8\u5b8c\u8f66\u8d37\u7684\u65e7\u8f66\uff0c\u56e0\u4e3a\u8fd9\u7c7b\u8f66\u5b50\u88ab\u8ba4\u5b9a\u4e3a\u5177\u6709\u9ad8\u98ce\u9669\uff0c\u6bd4\u8f66\u9f84\u4e0d\u8d85\u8fc710\u5e74\u7684\u65b0\u8f66\u66f4\u5bb9\u6613\u53d1\u751f\u610f\u5916\u4e8b\u6545\u3002<\/p>\n\n\n\n<p>\u4fdd\u9669\u516c\u53f8\u4f1a\u63a8\u8350\u65e7\u8f66\u8d2d\u4e70<a href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e9%a1%bb%e7%9f%a5\/#2_%E7%AC%AC%E4%B8%89%E6%96%B9%E3%80%81%E5%A4%B1%E7%81%AB%E5%8F%8A%E5%A4%B1%E7%AA%83%E4%BF%9D%E9%99%A9\">\u7b2c\u4e09\u65b9\u3001\u5931\u706b\u548c\u5931\u7a83\u4fdd\u9669<\/a>\u3002<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%E6%97%A7%E8%BD%A6%E5%8F%AF%E4%BB%A5%E7%B4%A2%E8%B5%94%E4%BF%9D%E9%99%A9%E5%90%97%EF%BC%9F\"><\/span>\u65e7\u8f66\u53ef\u4ee5\u7d22\u8d54\u4fdd\u9669\u5417\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u662f\u7684\uff0c\u53ea\u8981\u4fdd\u5355\u4ecd\u7136\u6709\u6548\uff0c\u4f60\u5c31\u53ef\u4ee5\u4e3a\u65e7\u8f66\u63d0\u51fa<a href=\"https:\/\/bjak.my\/blog\/%e6%83%b3%e8%a6%81%e7%b4%a2%e8%b5%94%e4%bf%9d%e9%99%a9%ef%bc%9f%e5%85%88%e4%ba%86%e8%a7%a3%e7%b4%a2%e8%b5%94%e7%b1%bb%e5%9e%8b%e5%92%8c%e6%96%b9%e6%b3%95\/\">\u4fdd\u9669\u7d22\u8d54<\/a>\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u7684\u8f66\u8f86\u5728\u4e8b\u6545\u4e2d\u635f\u574f\uff08\u4f60\u662f\u8087\u7978\u8005\uff09\uff0c\u4e14\u9700\u8981\u7ef4\u4fee\uff0c\u800c\u4f60\u6240\u8d2d\u4e70\u7684\u4fdd\u9669\u7c7b\u578b\u662f\u7b2c\u4e09\u65b9\u3001\u5931\u706b\u548c\u5931\u7a83\u4fdd\u9669\uff0c\u90a3\u4e48\u4f60\u5c31\u53ef\u80fd<a href=\"https:\/\/bjak.my\/blog\/%e4%b8%ba%e4%bb%80%e4%b9%88%e4%bf%9d%e9%99%a9%e7%b4%a2%e8%b5%94%e4%b8%8d%e6%88%90%e5%8a%9f%ef%bc%9f\/\">\u65e0\u6cd5\u63d0\u51fa\u7d22\u8d54<\/a>\u3002\u8fd9\u7c7b\u578b\u7684\u4fdd\u9669\u5c06\u4e0d\u4e3a\u4f60\u63d0\u4f9b\u4fdd\u969c\uff0c\u6362\u53e5\u8bdd\u8bf4\uff0c\u4f60\u9700\u8981\u81ea\u638f\u8170\u5305\u6765\u7ef4\u4fee\u81ea\u5df1\u7684\u8f66\u5b50\u3002<\/p>\n\n\n\n<p>\u53ea\u6709<a href=\"https:\/\/bjak.my\/blog\/%e5%a6%82%e4%bd%95%e5%90%91%e7%ac%ac%e4%b8%89%e6%96%b9%e6%8f%90%e5%87%ba%e4%bf%9d%e9%99%a9%e7%b4%a2%e8%b5%94%ef%bc%9f\/\">\u7b2c\u4e09\u65b9\u624d\u80fd\u63d0\u51fa\u7d22\u8d54<\/a>\uff0c\u4ee5\u53ca\u5f53\u4f60\u7684\u6c7d\u8f66\u53d1\u751f\u5931\u7a83\u6216\u5931\u706b\u610f\u5916\u65f6\uff0c\u4f60\u624d\u80fd\u63d0\u51fa\u7d22\u8d54\u3002<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E8%BF%98%E6%B2%A1%E5%88%B0%E6%9C%9F%EF%BC%8C%E5%8F%AF%E4%BB%A5%E5%8F%96%E6%B6%88%E4%BF%9D%E5%8D%95%E5%90%97%EF%BC%9F\"><\/span>\u6c7d\u8f66\u4fdd\u9669\u8fd8\u6ca1\u5230\u671f\uff0c\u53ef\u4ee5\u53d6\u6d88\u4fdd\u5355\u5417\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Pembatalan-polisi-insurans-1024x576.jpg?resize=854%2C480&amp;ssl=1\" alt=\"\u6c7d\u8f66\u4fdd\u9669\u8fd8\u6ca1\u5230\u671f\uff0c\u53ef\u4ee5\u53d6\u6d88\u4fdd\u5355\u5417\uff1f\"\/><\/figure>\n\n\n\n<p id=\"tw-target-text\">\u662f\u7684\uff0c\u4f60\u53ef\u4ee5\u968f\u65f6<a href=\"https:\/\/bjak.my\/blog\/%E6%88%91%E5%8F%AF%E4%BB%A5%E5%8F%96%E6%B6%88%E8%BD%A6%E9%99%A9%E4%BF%9D%E5%8D%95%E5%90%97%EF%BC%9F\/\">\u53d6\u6d88\u4f60\u7684\u6c7d\u8f66\u4fdd\u9669<\/a>\uff0c\u4f46\u5fc5\u987b\u5728\u672a\u66f4\u65b0\u8def\u7a0e\u4e4b\u524d\u3002 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class=\"ez-toc-section\" id=\"%E4%B8%BA%E4%BB%80%E4%B9%88%E4%BF%9D%E9%99%A9%E4%BB%B7%E6%A0%BC%E4%B8%8D%E4%B8%80%E6%A0%B7%EF%BC%9F\"><\/span>\u4e3a\u4ec0\u4e48\u4fdd\u9669\u4ef7\u683c\u4e0d\u4e00\u6837\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img loading=\"lazy\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1647930927-2.jpeg?resize=854%2C854&amp;ssl=1\" alt=\"\u66f4\u65b0\u8f66\u9669\u4e4b\u524d\uff0c\u5148\u505a\u6bd4\u8f83\" width=\"840\" height=\"840\"\/><\/figure>\n\n\n\n<p>\u81ea\u4ece2017\u5e747\u67081\u65e5\uff0c\u56fd\u5bb6\u94f6\u884c\uff08BNM\uff09\u843d\u5b9e\u4e86<a href=\"https:\/\/www.bnm.gov.my\/documents\/20124\/\/\/e6e05640-a13a-c9a4-6cd2-6fcaa0fa4e6b\/\">\u6c7d\u8f66\u4fdd\u9669\u81ea\u7531\u6d6e\u52a8\u5b9a\u4ef7\u673a\u5236<\/a>\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u901a\u8fc7\u6240\u63d0\u4f9b\u7684\u8f66\u9669\u670d\u52a1\u4ea7\u54c1\uff0c\u81ea\u7531\u5b9a\u5236\u4ef7\u683c\u3002<\/p>\n\n\n\n<p>\u9664\u4e86\u6c7d\u8f66\u8f66\u578b\u3001\u6c7d\u8f66\u7684\u751f\u4ea7\u5e74\u4efd\u3001\u65e0\u7d22\u507f\u6298\u6263\u7387\u3001\u6c7d\u8f66\u5f15\u64ce\u5bb9\u91cf\u7b49\u4e3b\u8981\u56e0\u7d20\u4e4b\u5916\uff0c\u8f66\u4e3b\u7684\u9a7e\u9a76\u8bb0\u5f55\u3001\u804c\u4e1a\u3001\u5e74\u9f84\u3001\u4f7f\u7528\u6c7d\u8f66\u7684\u5730\u70b9\u7b49\u90fd\u4f1a\u5f71\u54cd\u6c7d\u8f66\u4fdd\u9669\u7684\u4ef7\u683c\uff0c\u56e0\u6b64\u4fdd\u9669\u4ef7\u683c\u624d\u4f1a\u4e0d\u4e00\u6837\u3002<\/p>\n\n\n\n<p>\u82e5\u60f3\u8981\u4e86\u89e3\u66f4\u591a\u5173\u4e8e\u5f71\u54cd\u8f66\u9669\u4ef7\u683c\u7684\u56e0\u7d20\uff0c\u53ef\u53c2\u9605\u77ed\u6587\uff1a<a href=\"https:\/\/bjak.my\/blog\/%e5%a6%82%e4%bd%95%e4%ba%ab%e6%9c%89%e6%9c%80%e4%bd%8e%e7%9a%84%e8%bd%a6%e9%99%a9%e4%bb%b7%e6%a0%bc\/#%E5%BD%B1%E5%93%8D%E8%BD%A6%E9%99%A9%E4%BB%B7%E6%A0%BC%E7%9A%84%E5%9B%A0%E7%B4%A0\">\u5f71\u54cd\u8f66\u9669\u4ef7\u683c\u7684\u56e0\u7d20<\/a><\/p>\n\n\n\n<h3 id=\"tw-target-text\"><span class=\"ez-toc-section\" id=\"%E8%BD%A6%E9%99%A9%E4%BB%B7%E6%A0%BC%E6%AF%8F%E5%B9%B4%E9%83%BD%E4%BC%9A%E6%8F%90%E9%AB%98%E5%90%97%EF%BC%9F\"><\/span>\u8f66\u9669\u4ef7\u683c\u6bcf\u5e74\u90fd\u4f1a\u63d0\u9ad8\u5417\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u51b3\u5b9a\u6c7d\u8f66\u4fdd\u8d39\u7684\u5173\u952e\u56e0\u7d20\u4e4b\u4e00\u5c31\u662f\u6c7d\u8f66\u5f53\u524d\u7684\u5e02\u573a\u4ef7\u683c\u3002\u5982\u4f60\u6240\u77e5\uff0c\u6c7d\u8f66\u7684<a href=\"https:\/\/bjak.my\/blog\/%e5%b8%82%e5%9c%ba%e4%bb%b7%e5%80%bc%e4%b8%8e%e7%ba%a6%e5%ae%9a%e4%bb%b7%e5%80%bc\/#%E5%B8%82%E5%9C%BA%E4%BB%B7%E5%80%BC%EF%BC%88Market_value%EF%BC%89\">\u5e02\u573a\u4ef7\u503c<\/a>\u6bcf\u5e74\u90fd\u5728\u4e0b\u964d 10-15% \u5de6\u53f3\uff0c\u5373\u4f60\u6240\u8d2d\u4e70\u7684\u65f6\u95f4\u8d8a\u957f\uff0c\u5176\u5e02\u573a\u4ef7\u683c\u5c31\u8d8a\u4f4e\uff0c\u8fd9\u4e5f\u95f4\u63a5\u5bfc\u81f4\u4f60\u7684\u4fdd\u8d39\u8d8a\u6765\u8d8a\u4f4e\u3002<\/p>\n\n\n\n<p>\u53ef\u662f\uff0c\u5982\u679c\u4f60\u66fe\u7ecf\u63d0\u51fa\u4fdd\u9669\u7d22\u8d54\u800c\u5f71\u54cd\u4e86\u4f60\u7684<a href=\"https:\/\/bjak.my\/blog\/%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e6%97%a0%e7%b4%a2%e5%81%bf%e6%8a%98%e6%89%a3%e7%8e%87%ef%bc%88ncd%ef%bc%89\/\">\u65e0\u7d22\u507f\u6298\u6263\u7387<\/a>\uff0c\u90a3\u4e48\u4f60\u7684\u4fdd\u8d39\u5c31\u4f1a\u63d0\u9ad8\u3002\u8fd9\u662f\u56e0\u4e3a\u4e00\u65e6\u63d0\u51fa\u7d22\u8d54\uff0c\u4f60\u7684\u65e0\u7d22\u507f\u6298\u6263\u7387\u5c31\u4f1a\u91cd\u5f52\u4e3a\u96f6\uff0c\u4ece\u800c\u5bfc\u81f4\u4f60\u7b2c\u4e8c\u5e74\u7684\u4fdd\u8d39\u63d0\u9ad8\u3002<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E8%AE%A9%E7%88%B1%E8%BD%A6%E8%8E%B7%E5%BE%97%E5%85%A8%E9%9D%A2%E4%BF%9D%E9%9A%9C\"><\/span>\u8ba9\u7231\u8f66\u83b7\u5f97\u5168\u9762\u4fdd\u969c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5982\u679c\u4f60\u5df2\u7ecf\u8d2d\u4e70\u8f66\u8f86\uff0c\u60f3\u8981\u5728\u516c\u8def\u4e0a\u884c\u9a76\uff0c\u52a1\u5fc5\u62e5\u6709\u6709\u6548\u7684\u8f66\u9669\u3002<\/p>\n\n\n\n<p>\u8f66\u9669\u7684\u5b58\u5728\u610f\u4e49\u4e0d\u4ec5\u662f\u4e3a\u4e86\u8ba9\u8f66\u5b50\u5408\u6cd5\u5730\u5728\u8def\u4e0a\u884c\u9a76\uff0c\u66f4\u91cd\u8981\u7684\u662f\u8ba9\u8f66\u4e3b\u5728\u906d\u9047\u610f\u5916\u65f6\u6709\u6240\u4fdd\u969c\uff0c\u5e76\u6709\u6548\u5730\u51cf\u8f7b\u8d22\u52a1\u8d1f\u62c5\u3002<\/p>\n\n\n\n<p>\u5e0c\u671b\u4ee5\u4e0a\u7684\u5206\u4eab\u53ef\u4ee5\u89e3\u7b54\u4f60\u5bf9\u6c7d\u8f66\u4fdd\u9669\u7684\u7591\u95ee\u3002<\/p>\n\n\n\n<p>\u53e6\u5916\uff0c\u4e0d\u8981\u5fd8\u8bb0\u68c0\u67e5\u60a8\u7684<a 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