{"id":47865,"date":"2024-08-27T12:27:00","date_gmt":"2024-08-27T04:27:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=47865"},"modified":"2025-11-05T18:38:04","modified_gmt":"2025-11-05T10:38:04","slug":"%e9%a6%96%e6%ac%a1%e8%b4%ad%e8%bd%a6%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a1%b9%ef%bc%81%e7%94%b3%e8%af%b7%e8%bd%a6%e8%b4%b7%e5%89%8d%e9%a1%bb%e4%ba%86%e8%a7%a3%e7%9a%846%e5%a4%a7%e8%a6%81%e7%82%b9","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e8%b5%84%e8%ae%af\/%e9%a6%96%e6%ac%a1%e8%b4%ad%e8%bd%a6%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a1%b9%ef%bc%81%e7%94%b3%e8%af%b7%e8%bd%a6%e8%b4%b7%e5%89%8d%e9%a1%bb%e4%ba%86%e8%a7%a3%e7%9a%846%e5%a4%a7%e8%a6%81%e7%82%b9","title":{"rendered":"\u9996\u6b21\u8d2d\u8f66\u6ce8\u610f\u4e8b\u9879\uff01\u7533\u8bf7\u8f66\u8d37\u524d\u987b\u4e86\u89e3\u76846\u5927\u8981\u70b9"},"content":{"rendered":"\n<p>\u7531\u4e8e\u516c\u5171\u4ea4\u901a\u4e0d\u4fbf\uff0c\u56e0\u6b64\u8003\u5230\u9a7e\u7167\u540e\u5c31\u4f1a\u4e70\u8f66\u5df2\u7ecf\u662f\u5e74\u8f7b\u4eba\u7684\u666e\u904d\u9700\u6c42\u3002\u65e0\u8bba\u662f\u4e0a\u73ed\u8fd8\u662f\u5468\u672b\u51fa\u6e38\uff0c\u62e5\u6709\u4e00\u8f86\u5c5e\u4e8e\u81ea\u5df1\u7684\u8f66\uff0c\u53ef\u4ee5\u8ba9\u60a8\u81ea\u7531\u3001\u4fbf\u6377\u51fa\u884c\uff0c\u4e0d\u518d\u53d7\u9650\u4e8e\u65f6\u95f4\u548c\u5730\u70b9\u3002<\/p>\n\n\n\n<p>\u4e3a\u4e86\u987a\u5229\u5b8c\u6210\u8d2d\u8f66\u6d41\u7a0b\uff0c\u4e86\u89e3\u7533\u8bf7\u8f66\u8d37\u7684\u76f8\u5173\u4e8b\u9879\u81f3\u5173\u91cd\u8981\u3002\u672c\u6587\u5c06\u8be6\u7ec6\u4ecb\u7ecd\u7533\u8bf7\u8f66\u8d37\u524d\u9700\u8981\u4e86\u89e3\u7684\u51e0\u4e2a\u5173\u952e\u65b9\u9762\uff0c\u5e0c\u671b\u5bf9\u60a8\u6709\u6240\u5e2e\u52a9\u3002<\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-nv-dark-bg-color has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background has-text-color has-background\" href=\"https:\/\/bjak.my\/zh?utm_source=blogzh&amp;utm_campaign=article447\" target=\"_blank\" rel=\"noreferrer noopener\">\u7d22\u53d6\u62a5\u4ef7<\/a><\/div>\n<\/div>\n\n\n\n<p><\/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-69d78185e8eeb\" 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\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d78185e8eeb\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/%e8%b5%84%e8%ae%af\/%e9%a6%96%e6%ac%a1%e8%b4%ad%e8%bd%a6%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a1%b9%ef%bc%81%e7%94%b3%e8%af%b7%e8%bd%a6%e8%b4%b7%e5%89%8d%e9%a1%bb%e4%ba%86%e8%a7%a3%e7%9a%846%e5%a4%a7%e8%a6%81%e7%82%b9\/#1_%E6%9C%80%E4%BD%8E%E6%B1%BD%E8%BD%A6%E5%AE%9A%E9%87%91\" title=\"1. \u6700\u4f4e\u6c7d\u8f66\u5b9a\u91d1\">1. \u6700\u4f4e\u6c7d\u8f66\u5b9a\u91d1<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/%e8%b5%84%e8%ae%af\/%e9%a6%96%e6%ac%a1%e8%b4%ad%e8%bd%a6%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a1%b9%ef%bc%81%e7%94%b3%e8%af%b7%e8%bd%a6%e8%b4%b7%e5%89%8d%e9%a1%bb%e4%ba%86%e8%a7%a3%e7%9a%846%e5%a4%a7%e8%a6%81%e7%82%b9\/#2_%E5%9B%BA%E5%AE%9AVS%E6%B5%AE%E5%8A%A8%E5%88%A9%E7%8E%87\" title=\"2. \u56fa\u5b9aVS\u6d6e\u52a8\u5229\u7387\">2. \u56fa\u5b9aVS\u6d6e\u52a8\u5229\u7387<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/%e8%b5%84%e8%ae%af\/%e9%a6%96%e6%ac%a1%e8%b4%ad%e8%bd%a6%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a1%b9%ef%bc%81%e7%94%b3%e8%af%b7%e8%bd%a6%e8%b4%b7%e5%89%8d%e9%a1%bb%e4%ba%86%e8%a7%a3%e7%9a%846%e5%a4%a7%e8%a6%81%e7%82%b9\/#3_%E4%BA%86%E8%A7%A3%E6%82%A8%E7%9A%84%E4%BF%A1%E7%94%A8%E5%88%86%E6%95%B0\" title=\"3. \u4e86\u89e3\u60a8\u7684\u4fe1\u7528\u5206\u6570\">3. \u4e86\u89e3\u60a8\u7684\u4fe1\u7528\u5206\u6570<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/%e8%b5%84%e8%ae%af\/%e9%a6%96%e6%ac%a1%e8%b4%ad%e8%bd%a6%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a1%b9%ef%bc%81%e7%94%b3%e8%af%b7%e8%bd%a6%e8%b4%b7%e5%89%8d%e9%a1%bb%e4%ba%86%e8%a7%a3%e7%9a%846%e5%a4%a7%e8%a6%81%e7%82%b9\/#4_%E8%B4%B7%E6%AC%BE%E6%9C%9F%E9%99%90%E4%B8%8E%E9%80%BE%E6%9C%9F%E7%BD%9A%E6%AC%BE\" title=\"4. \u8d37\u6b3e\u671f\u9650\u4e0e\u903e\u671f\u7f5a\u6b3e\">4. \u8d37\u6b3e\u671f\u9650\u4e0e\u903e\u671f\u7f5a\u6b3e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/%e8%b5%84%e8%ae%af\/%e9%a6%96%e6%ac%a1%e8%b4%ad%e8%bd%a6%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a1%b9%ef%bc%81%e7%94%b3%e8%af%b7%e8%bd%a6%e8%b4%b7%e5%89%8d%e9%a1%bb%e4%ba%86%e8%a7%a3%e7%9a%846%e5%a4%a7%e8%a6%81%e7%82%b9\/#5_%E6%8B%85%E4%BF%9D%E4%BA%BA\" title=\"5. \u62c5\u4fdd\u4eba\">5. \u62c5\u4fdd\u4eba<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/%e8%b5%84%e8%ae%af\/%e9%a6%96%e6%ac%a1%e8%b4%ad%e8%bd%a6%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a1%b9%ef%bc%81%e7%94%b3%e8%af%b7%e8%bd%a6%e8%b4%b7%e5%89%8d%e9%a1%bb%e4%ba%86%e8%a7%a3%e7%9a%846%e5%a4%a7%e8%a6%81%e7%82%b9\/#6_%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9\" title=\"6. \u6c7d\u8f66\u4fdd\u9669\">6. \u6c7d\u8f66\u4fdd\u9669<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"1_%E6%9C%80%E4%BD%8E%E6%B1%BD%E8%BD%A6%E5%AE%9A%E9%87%91\"><\/span><strong>1. \u6700\u4f4e\u6c7d\u8f66\u5b9a\u91d1<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"39068\" data-permalink=\"https:\/\/bjak.my\/blog\/info\/car-ownership-transfer\/attachment\/car-ownership\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Ownership.jpg?fit=900%2C600&amp;ssl=1\" data-orig-size=\"900,600\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Car-Ownership\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Ownership.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Ownership.jpg?fit=900%2C600&amp;ssl=1\" loading=\"lazy\" width=\"900\" height=\"600\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Ownership.jpg?resize=900%2C600&#038;ssl=1\" alt=\"Comprehensive coverage\" class=\"wp-image-39068\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Ownership.jpg?w=900&amp;ssl=1 900w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Ownership.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Ownership.jpg?resize=768%2C512&amp;ssl=1 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>\u8d2d\u4e70\u6c7d\u8f66\u65f6\uff0c\u4e70\u5bb6\u901a\u5e38\u9700\u8981\u652f\u4ed8\u4e00\u5b9a\u6bd4\u4f8b\u7684\u5b9a\u91d1\u3002\u6839\u636e\u9a6c\u6765\u897f\u4e9a\u56fd\u5bb6\u94f6\u884c\uff08Bank Negara Malaysia\uff09\u7684\u89c4\u5b9a\uff0c\u9996\u8d2d\u8f66\u8005\u6700\u4f4e\u9700\u8981\u652f\u4ed8\u6c7d\u8f66\u603b\u4ef7\u768410%\u4f5c\u4e3a\u5b9a\u91d1\u3002\u7136\u800c\uff0c\u4e00\u4e9b\u91d1\u878d\u673a\u6784\u53ef\u80fd\u4f1a\u8981\u6c42\u66f4\u9ad8\u7684\u5b9a\u91d1\u6bd4\u4f8b\uff0c\u7279\u522b\u662f\u5728\u4e70\u5bb6\u7684\u4fe1\u7528\u8bc4\u5206\u8f83\u4f4e\uff0c\u6216\u9009\u62e9\u7684\u8d37\u6b3e\u671f\u9650\u8f83\u957f\u7684\u60c5\u51b5\u4e0b\u3002<\/p>\n\n\n\n<p>\u652f\u4ed8\u8f83\u9ad8\u7684\u5b9a\u91d1\u6709\u52a9\u4e8e\u51cf\u8f7b\u65e5\u540e\u7684\u8fd8\u6b3e\u538b\u529b\uff0c\u56e0\u4e3a\u5b9a\u91d1\u8d8a\u9ad8\uff0c\u8d37\u6b3e\u91d1\u989d\u5c31\u8d8a\u4f4e\uff0c\u76f8\u5e94\u7684\u6bcf\u6708\u8fd8\u6b3e\u989d\u4e5f\u4f1a\u51cf\u5c11\u3002\u8fd9\u4e0d\u4ec5\u964d\u4f4e\u4e86\u603b\u5229\u606f\u652f\u51fa\uff0c\u8fd8\u80fd\u63d0\u9ad8\u8d37\u6b3e\u6279\u51c6\u7684\u53ef\u80fd\u6027\u3002<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"2_%E5%9B%BA%E5%AE%9AVS%E6%B5%AE%E5%8A%A8%E5%88%A9%E7%8E%87\"><\/span><strong>2. \u56fa\u5b9aVS\u6d6e\u52a8\u5229\u7387<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5728\u9009\u62e9\u5229\u7387\u7c7b\u578b\u65f6\uff0c\u8d2d\u8f66\u8005\u5e94\u5145\u5206\u8003\u8651\u81ea\u8eab\u7684\u8d22\u52a1\u72b6\u51b5\u548c\u98ce\u9669\u627f\u53d7\u80fd\u529b\u3002<\/p>\n\n\n\n<p>\u56fa\u5b9a\u5229\u7387\u5728\u6574\u4e2a\u8d37\u6b3e\u671f\u95f4\u4fdd\u6301\u4e0d\u53d8\uff0c\u8fd9\u610f\u5473\u7740\u6bcf\u6708\u7684\u8fd8\u6b3e\u989d\u662f\u56fa\u5b9a\u7684\uff0c\u65e0\u8bba\u5e02\u573a\u5229\u7387\u5982\u4f55\u6ce2\u52a8\u3002\u8fd9\u79cd\u7a33\u5b9a\u6027\u4f7f\u5f97\u8d2d\u8f66\u8005\u80fd\u591f\u66f4\u597d\u5730\u89c4\u5212\u5176\u8d22\u52a1\u652f\u51fa\uff0c\u7279\u522b\u9002\u5408\u90a3\u4e9b\u5e0c\u671b\u907f\u514d\u5229\u7387\u6ce2\u52a8\u98ce\u9669\u7684\u4eba\u3002<\/p>\n\n\n\n<p>\u6d6e\u52a8\u5229\u7387\u5219\u968f\u7740\u5e02\u573a\u5229\u7387\u7684\u53d8\u5316\u800c\u6ce2\u52a8\u3002\u5982\u679c\u5e02\u573a\u5229\u7387\u4e0b\u964d\uff0c\u8d2d\u8f66\u8005\u53ef\u4ee5\u53d7\u76ca\u4e8e\u8f83\u4f4e\u7684\u8fd8\u6b3e\u989d\uff0c\u4f46\u5982\u679c\u5e02\u573a\u5229\u7387\u4e0a\u5347\uff0c\u8fd8\u6b3e\u989d\u4e5f\u4f1a\u968f\u4e4b\u589e\u52a0\u3002\u6d6e\u52a8\u5229\u7387\u9002\u5408\u90a3\u4e9b\u5bf9\u5229\u7387\u8d70\u52bf\u6709\u4e00\u5b9a\u4e86\u89e3\uff0c\u4e14\u80fd\u591f\u627f\u53d7\u8fd8\u6b3e\u989d\u6ce2\u52a8\u7684\u4eba\u3002<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"3_%E4%BA%86%E8%A7%A3%E6%82%A8%E7%9A%84%E4%BF%A1%E7%94%A8%E5%88%86%E6%95%B0\"><\/span><strong>3. \u4e86\u89e3\u60a8\u7684\u4fe1\u7528\u5206\u6570<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4fe1\u7528\u5206\u6570\u901a\u5e38\u7531\u4fe1\u7528\u62a5\u544a\u673a\u6784\u5982CCRIS\u6216CTOS\u63d0\u4f9b\uff0c\u8bc4\u5206\u8303\u56f4\u4ece300\u5230850\u4e0d\u7b49\u3002\u9ad8\u4fe1\u7528\u5206\u6570\u610f\u5473\u7740\u8d2d\u8f66\u8005\u7684\u4fe1\u7528\u98ce\u9669\u8f83\u4f4e\uff0c\u901a\u5e38\u53ef\u4ee5\u83b7\u5f97\u66f4\u4f18\u60e0\u7684\u8d37\u6b3e\u6761\u4ef6\uff0c\u5982\uff1a\u66f4\u4f4e\u7684\u5229\u7387\u6216\u66f4\u957f\u7684\u8fd8\u6b3e\u671f\u9650\u3002<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"4_%E8%B4%B7%E6%AC%BE%E6%9C%9F%E9%99%90%E4%B8%8E%E9%80%BE%E6%9C%9F%E7%BD%9A%E6%AC%BE\"><\/span><strong>4. \u8d37\u6b3e\u671f\u9650\u4e0e\u903e\u671f\u7f5a\u6b3e<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5784\" data-permalink=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e4%ba%86%e8%a7%a3%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e8%87%aa%e7%94%b1%e6%b5%ae%e5%8a%a8%e5%ae%9a%e4%bb%b7%e6%9c%ba%e5%88%b6\/attachment\/image-1_-bank-negara-malaysia-bnm\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Bank-Negara-Malaysia-BNM.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Image-1_-Bank-Negara-Malaysia-BNM\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Bank-Negara-Malaysia-BNM.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Bank-Negara-Malaysia-BNM.jpg?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Bank-Negara-Malaysia-BNM.jpg?resize=1080%2C608&#038;ssl=1\" alt=\"\" class=\"wp-image-5784\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Bank-Negara-Malaysia-BNM.jpg?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Bank-Negara-Malaysia-BNM.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Bank-Negara-Malaysia-BNM.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Bank-Negara-Malaysia-BNM.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Bank-Negara-Malaysia-BNM.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1_-Bank-Negara-Malaysia-BNM.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>\u8f66\u8d37\u7684\u8d37\u6b3e\u671f\u9650\u901a\u5e38\u57285\u52309\u5e74\u4e4b\u95f4\uff0c\u4f46\u4e5f\u6709\u4e00\u4e9b\u91d1\u878d\u673a\u6784\u63d0\u4f9b\u66f4\u957f\u6216\u66f4\u77ed\u7684\u671f\u9650\u3002<\/p>\n\n\n\n<p>\u9009\u62e9\u8f83\u957f\u7684\u8d37\u6b3e\u671f\u9650\u53ef\u4ee5\u964d\u4f4e\u6bcf\u6708\u8fd8\u6b3e\u989d\uff0c\u4f46\u540c\u65f6\u4e5f\u610f\u5473\u7740\u652f\u4ed8\u66f4\u591a\u7684\u5229\u606f\u603b\u989d\u3002\u56e0\u6b64\uff0c\u8d2d\u8f66\u8005\u9700\u8981\u5728\u964d\u4f4e\u6708\u4f9b\u538b\u529b\u548c\u51cf\u5c11\u5229\u606f\u652f\u51fa\u4e4b\u95f4\u627e\u5230\u5e73\u8861\u70b9\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u8d2d\u8f66\u8005\u8fd8\u9700\u8981\u4e86\u89e3\u8d37\u6b3e\u5408\u540c\u4e2d\u7684\u903e\u671f\u7f5a\u6b3e\u6761\u6b3e\u3002\u5982\u679c\u672a\u80fd\u6309\u65f6\u8fd8\u6b3e\uff0c\u91d1\u878d\u673a\u6784\u901a\u5e38\u4f1a\u6536\u53d6\u4e00\u5b9a\u7684\u903e\u671f\u7f5a\u6b3e\uff0c\u5e76\u53ef\u80fd\u5bf9\u4fe1\u7528\u8bc4\u5206\u4ea7\u751f\u8d1f\u9762\u5f71\u54cd\u3002\u4e25\u91cd\u7684\u903e\u671f\u751a\u81f3\u53ef\u80fd\u5bfc\u81f4\u8f66\u8f86\u88ab\u56de\u6536\u3002\u56e0\u6b64\uff0c\u8d2d\u8f66\u8005\u5e94\u786e\u4fdd\u6bcf\u6708\u6709\u8db3\u591f\u7684\u8d44\u91d1\u6309\u65f6\u8fd8\u6b3e\uff0c\u5e76\u5efa\u7acb\u7d27\u6025\u8d44\u91d1\u4ee5\u5e94\u5bf9\u7a81\u53d1\u60c5\u51b5\u3002<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"5_%E6%8B%85%E4%BF%9D%E4%BA%BA\"><\/span><strong>5. \u62c5\u4fdd\u4eba<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"28341\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/buying-car-insurance-online-vs-agent\/attachment\/photo6226266600290497143\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497143.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Buying Car Insurance Online vs Agent\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497143.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497143.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497143.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Beli insurans online\" class=\"wp-image-28341\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497143.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497143.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497143.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497143.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497143.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>\u5728\u67d0\u4e9b\u60c5\u51b5\u4e0b\uff0c\u91d1\u878d\u673a\u6784\u53ef\u80fd\u4f1a\u8981\u6c42\u8d2d\u8f66\u8005\u63d0\u4f9b\u62c5\u4fdd\u4eba\uff0c\u5c24\u5176\u662f\u5f53\u8d2d\u8f66\u8005\u7684\u4fe1\u7528\u8bc4\u5206\u4e0d\u9ad8\u6216\u6536\u5165\u6c34\u5e73\u4e0d\u7a33\u5b9a\u65f6\u3002\u62c5\u4fdd\u4eba\u901a\u5e38\u662f\u8d2d\u8f66\u8005\u7684\u4eb2\u53cb\uff0c\u4ed6\u4eec\u540c\u610f\u5728\u8d2d\u8f66\u8005\u65e0\u6cd5\u6309\u65f6\u8fd8\u6b3e\u65f6\u627f\u62c5\u8fd8\u6b3e\u8d23\u4efb\u3002<\/p>\n\n\n\n<p>\u62c5\u4fdd\u4eba\u7684\u4fe1\u7528\u72b6\u51b5\u5bf9\u8d37\u6b3e\u7533\u8bf7\u7684\u6279\u51c6\u6709\u7740\u91cd\u8981\u5f71\u54cd\u3002\u56e0\u6b64\uff0c\u8d2d\u8f66\u8005\u5728\u9009\u62e9\u62c5\u4fdd\u4eba\u65f6\u5e94\u786e\u4fdd\u5bf9\u65b9\u6709\u7a33\u5b9a\u7684\u6536\u5165\u548c\u826f\u597d\u7684\u4fe1\u7528\u8bc4\u5206\u3002\u6b64\u5916\uff0c\u62c5\u4fdd\u4eba\u4e5f\u9700\u8981\u5145\u5206\u4e86\u89e3\u5176\u8d23\u4efb\u548c\u98ce\u9669\uff0c\u56e0\u4e3a\u4e00\u65e6\u8d2d\u8f66\u8005\u65e0\u6cd5\u8fd8\u6b3e\uff0c\u62c5\u4fdd\u4eba\u53ef\u80fd\u4f1a\u9762\u4e34\u8d22\u52a1\u538b\u529b\u3002<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"6_%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9\"><\/span><strong>6. \u6c7d\u8f66\u4fdd\u9669<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"28340\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/buying-car-insurance-online-vs-agent\/attachment\/photo6226266600290497142\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Buying Car Insurance Online vs Agent\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Buying Car Insurance Online vs Agent\" class=\"wp-image-28340\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>\u5728\u9a6c\u6765\u897f\u4e9a\uff0c\u6c7d\u8f66\u4fdd\u9669\u662f\u8d2d\u8f66\u65f6\u5fc5\u4e0d\u53ef\u5c11\u7684\u4e00\u90e8\u5206\u3002\u8d2d\u8f66\u8005\u5728\u7533\u8bf7\u8f66\u8d37\u65f6\u901a\u5e38\u9700\u8981\u8d2d\u4e70\u5168\u9762\u6c7d\u8f66\u4fdd\u9669\uff0c\u4ee5\u786e\u4fdd\u5728\u53d1\u751f\u4e8b\u6545\u65f6\uff0c\u7231\u8f66\u53ef\u4ee5\u83b7\u5f97\u4fdd\u969c\u3002\u4fdd\u9669\u7684\u8d39\u7528\u548c\u8986\u76d6\u8303\u56f4\u6839\u636e\u8f66\u8f86\u7c7b\u578b\u3001\u8f66\u4e3b\u5e74\u9f84\u3001\u9a7e\u9a76\u8bb0\u5f55\u7b49\u56e0\u7d20\u800c\u6709\u6240\u4e0d\u540c\u3002<\/p>\n\n\n\n<p>\u901a\u8fc7\u5168\u9762\u7684\u51c6\u5907\u548c\u89c4\u5212\uff0c\u8d2d\u8f66\u8005\u53ef\u4ee5\u6709\u6548\u964d\u4f4e\u8d22\u52a1\u98ce\u9669\uff0c\u786e\u4fdd\u8d2d\u8f66\u8fc7\u7a0b\u7684\u987a\u5229\u8fdb\u884c\u3002\u6700\u540e\uff0c\u4e5f\u4e0d\u8981\u5fd8\u4e86\u6309\u65f6\u66f4\u65b0\u8f66\u9669\u548c\u8def\u7a0e\uff0c\u4ee5\u786e\u4fdd\u7231\u8f66\u83b7\u5f97\u4fdd\u969c\u3002\u5728\u66f4\u65b0\u8f66\u9669\u548c\u8def\u7a0e\u4e0a\uff0c\u5f53\u7136\u8981\u9009\u62e9<strong><a 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