{"id":1400,"date":"2019-01-16T12:02:39","date_gmt":"2019-01-16T04:02:39","guid":{"rendered":"https:\/\/jubilee.economic-ethics.org\/ourjubilee\/?p=1400"},"modified":"2019-01-23T17:07:14","modified_gmt":"2019-01-23T09:07:14","slug":"%e5%90%88%e7%a5%9e%e5%bf%83%e6%84%8f%e7%9a%84%e7%90%86%e8%b2%a1%e8%88%87%e5%a5%89%e7%8d%bb%ef%bc%8f%e6%ba%ab%e8%8b%b1%e5%b9%b9","status":"publish","type":"post","link":"https:\/\/jubilee.economic-ethics.org\/ourjubilee\/%e7%a0%94%e8%a8%8e%e6%9c%83%e6%96%87%e7%ab%a0%e9%81%b8%e8%bc%af\/%e5%90%88%e7%a5%9e%e5%bf%83%e6%84%8f%e7%9a%84%e7%90%86%e8%b2%a1%e8%88%87%e5%a5%89%e7%8d%bb%ef%bc%8f%e6%ba%ab%e8%8b%b1%e5%b9%b9\/","title":{"rendered":"\u8ca1\u52d9\u5949\u737b\u7814\u7fd2\u5ba4\uff1a\u5408\u795e\u5fc3\u610f\u7684\u7406\u8ca1\u8207\u5949\u737b\uff0f\u6eab\u82f1\u5e79"},"content":{"rendered":"<pre style=\"text-align: right;\">\u3010\u6eab\u82f1\u5e79\u3011\n\n\u51a0\u5195\u8ca1\u52d9\u4e8b\u5de5\u7f8e\u570b\u83ef\u4eba\u5916\u5c55\u4e8b\u5de5\u4e3b\u4efb\n\n\u57fa\u7763\u4f7f\u8005\u5354\u6703\u8463\u4e8b<\/pre>\n<p>\u57fa\u7763\u5f92\u70ba\u4ec0\u9ebc\u9700\u8981\u7406\u8ca1\uff1f\u7406\u8ca1\u7684\u8056\u7d93\u6559\u5c0e\u8207\u539f\u5247\u662f\u4ec0\u9ebc\uff1f\u7406\u8ca1\u8207\u5949\u737b\u7684\u95dc\u4fc2\u662f\u4ec0\u9ebc\uff1f\u5982\u4f55\u7528\u7406\u8ca1\u4f86\u5be6\u73fe\u64f4\u5c55\u795e\u7684\u570b\u5ea6\u4e8b\u5de5\u53ca\u5118\u65e9\u5be6\u73fe\u4e3b\u8036\u7a4c\u6240\u5429\u5490\u7684\u5927\u4f7f\u547d\u7684\u6240\u9700\uff1f<\/p>\n<h5>\u4e00\u3001\u524d\u8a00\uff1a\u57fa\u7763\u5f92\u70ba\u4ec0\u9ebc\u8981\u7406\u8ca1\uff1f<\/h5>\n<p>\u591a\u5e74\u524d\u7f8e\u570b\u66fe\u5c0d\u57fa\u7763\u5f92\u8ca1\u52d9\u60c5\u6cc1\u505a\u904e\u8abf\u67e5\uff0c\u53d7\u8a2a\u5c0d\u8c61\u7684\u689d\u4ef6\u662f\uff081\uff09\u63a5\u53d7\u8036\u7a4c\u57fa\u7763\u70ba\u500b\u4eba\u6551\u4e3b\uff1b\uff082\uff09\u4e0a\u4e00\u5e74\u6bcf\u6708\u53bb\u6559\u6703\u81f3\u5c11\u4e09\u6b21\uff1b\uff083\uff09\u5728\u5bb6\u88e1\u53ca\u793e\u5340\u90fd\u662f\u88ab\u4eba\u7a31\u8b9a\u7684\u9053\u5fb7\u6977\u6a21\u3002\u8abf\u67e5\u7d50\u679c\u767c\u73fe\uff1a\uff081\uff0940%\u7684\u53d7\u8a2a\u8005\u8ca1\u52d9\u4e0a\u5165\u4e0d\u6577\u51fa\uff1b\uff082\uff0920%\u7684\u4eba\u8655\u65bc\u96e2\u5a5a\u908a\u7de3\u3002\u800c\u8abf\u67e5\u4ed6\u5011\u7684\u5949\u737b\u60c5\u6cc1\uff0c\u4e5f\u767c\u73fe\uff081\uff09\u53ea\u670934%\u6559\u53cb\u5949\u737b\u4ec0\u4e00\u6216\u66f4\u591a\uff1b\uff082\uff0940%\u7684\u4eba\u5949\u737b\u984d\u4f4e\u65bc\u6536\u5165\u76843%\uff1b\uff083\uff0925%\u7684\u4eba\u5f9e\u4f86\u6c92\u6709\u5949\u737b\u904e\u3002<\/p>\n<p>\u8abf\u67e5\u7684\u7d50\u8ad6\u662f\u57fa\u7763\u5f92\u8207\u975e\u57fa\u7763\u5f92\u7684\u7406\u8ca1\u8868\u73fe\u76f8\u5dee\u7121\u5e7e\uff0c\u57fa\u7763\u5f92\u5c0d\u7406\u8ca1\u89c0\u5ff5\u4e0d\u5408\u8056\u7d93\u6559\u5c0e\uff0c\u4e5f\u4e0d\u77e5\u5982\u4f55\u7406\u8ca1\u30021<\/p>\n<p>\u5176\u6b21\u662f\u7406\u8ca1\u4e0d\u7576\u5c0d\u5a5a\u59fb\u7684\u5f71\u97ff\u3002\u6839\u64da\u7f8e\u570b\u4eba\u53e3\u666e\u67e5\u5c40\u7684\u8cc7\u6599\uff0c\u904e\u53bb\u5e7e\u5e74\uff0c\u5728\u7f8e\u570b\u6bcf\u5169\u5c0d\u7d50\u5a5a\u5c31\u6709\u4e00\u5c0d\u96e2\u5a5a\uff0c\u7b2c\u4e00\u6b21\u5a5a\u59fb\u4ee5\u96e2\u5a5a\u6536\u5834\u7684\u6642\u9593\u5e73\u57478\u5e74\u3002\u4e0d\u904e\u6839\u64da\u6700\u8fd1\u5b78\u8005\u7684\u8abf\u67e5\u8cc7\u6599\uff0c\u7f8e\u570b\u771f\u6b63\u96e2\u5a5a\u738731%\uff0c\u800c\u771f\u6b63\u59d4\u8eab\u65bc\u4e3b\u7684\u57fa\u7763\u5f92\u96e2\u5a5a\u7387\u8f03\u4f4e\u572810-15%\u4e4b\u9593\uff0c\u53ef\u898b\u771f\u8aa0\u7684\u4fe1\u4ef0\u8207\u7267\u8005\u7684\u8f14\u5c0e\u5c0d\u5a5a\u59fb\u7684\u7a69\u56fa\u4ecd\u7136\u8d77\u5230\u4f5c\u7528\u3002\u8abf\u67e5\u767c\u73fe\uff0c\u96e2\u5a5a\u539f\u56e050%\u4ee5\u4e0a\u662f\u56e0\u7406\u8ca1\u554f\u984c\u5f15\u8d77\uff0c\u5176\u4ed6\u7406\u7531\u5982\u6e9d\u901a\u8207\u6027\u95dc\u4fc2\u90fd\u662f\u6b21\u8981\u56e0\u7d20\u30022<\/p>\n<p>\u7f8e\u570b\u4eba\u8fd1\u5e74\u4f86\u7684\u8ca1\u52d9\u60c5\u6cc1\u4e5f\u6bcf\u6cc1\u6108\u4e0b\u3002\u6839\u64da\u5831\u5c0e\uff0c60-64\u6b72\u5373\u5c07\u9000\u4f11\u8005\u5728\uff08401K\uff09\u9000\u4f11\u5e33\u6236\u5e73\u5747\u9918\u984d\u53ea\u6709133,000\u7f8e\u5143\uff0c\u5f88\u96e3\u6490\u5230\u8001\u5e74\u30023 2013\u5e74\u7f8e\u570b\u4eba\u5728\u8ca7\u7aae\u7dda\u4e0b\u7684\u4eba\u53e3\u5360\u7e3d\u4eba\u53e3\u768414.5%\uff0c\u90544530\u842c\u4eba\u30024 2014\u5e743\u6708\u7f8e\u570b\u5bb6\u5ead\u7e3d\u8ca0\u50b5\u9918\u984d\uff0c\u5305\u62ec\u623f\u8cb8\u3001\u4fe1\u7528\u5361\u50b5\u3001\u6c7d\u8eca\u8cb8\u6b3e\u53ca\u5b78\u751f\u8cb8\u6b3e\uff0c\u905411.65\u5146\u7f8e\u5143\uff0c\u5360\u570b\u6c11\u7e3d\u6240\u5f97\u7d0470%\uff1b\u5176\u4e2d\u623f\u8cb88.2\u5146\u6700\u591a\uff0c\u5b78\u751f\u8cb8\u6b3e1.1\u5146\u6b21\u4e4b\u30025<\/p>\n<p>\u6700\u8fd1\u5e7e\u5e74\u7b46\u8005\u5728\u7f8e\u570b\u3001\u81fa\u7063\u3001\u5927\u9678\u6709\u6a5f\u6703\u9032\u884c\u6709\u95dc\u61c9\u7528\u8056\u7d93\u539f\u5247\u7406\u8ca1\u7684\u8b1b\u5ea7\uff0c\u767c\u73fe\u8a31\u591a\u83ef\u4eba\u57fa\u7763\u5f92\u540c\u6a23\u7684\u5c0d\u5982\u4f55\u7406\u8ca1\u7f3a\u4e4f\u6b63\u78ba\u7684\u6559\u5c0e\u3002\u8a31\u591a\u6559\u6703\u7267\u8005\u540c\u5de5\u5c0d\u7406\u8ca1\u8b70\u984c\u4e5f\u62b1\u8457\u61f7\u7591\u751a\u81f3\u6392\u65a5\u7684\u614b\u5ea6\uff0c\u6b78\u7d50\u5230\u5e95\uff0c\u7b2c\u4e00\u662f\u7f3a\u4e4f\u76f8\u95dc\u7684\u6559\u5c0e\u53ca\u77e5\u8b58\uff0c\u5176\u6b21\u662f\u5148\u5165\u70ba\u4e3b\u8a8d\u70ba\u8a0e\u8ad6\u7406\u8ca1\u5c31\u662f\u4e0d\u5c6c\u9748\u3002<\/p>\n<p>\u6211\u5011\u53ef\u4ee5\u767c\u73fe\uff0c\u57fa\u7763\u5f92\u7f3a\u4e4f\u7406\u8ca1\u7684\u6559\u5c0e\uff0c\u6709\u4ee5\u4e0b\u4e00\u4e9b\u73fe\u8c61\u53ca\u5f8c\u679c\uff1a<\/p>\n<p>\uff081\uff09\u6559\u6703\uff08\u7279\u5225\u662f\u83ef\u4eba\u6559\u6703\uff09\u50b3\u9053\u4eba\u53ca\u6703\u53cb\u907f\u514d\u8ac7\u8ad6\u7406\u8ca1\uff0c\u8a8d\u70ba\u4e0d\u5c6c\u9748\uff0c\u4e5f\u975e\u5e38\u7f3a\u4e4f\u76f8\u95dc\u7684\u6559\u5c0e\u3002\u90e8\u5206\u539f\u56e0\u662f\u6559\u6703\u7267\u8005\u53ca\u9818\u8896\u591a\u534a\u6c92\u6709\u63a5\u53d7\u904e\u7406\u8ca1\u65b9\u9762\u7684\u8a13\u7df4\uff0c\u4e5f\u907f\u514d\u63a5\u89f8\u3002<\/p>\n<p>\uff082\uff09\u57fa\u7763\u5f92\u6210\u70ba\u5c6c\u4e16\u8207\u5c6c\u9748\u96d9\u91cd\u4eba\u683c\uff1a\u5728\u6559\u6703\u805a\u6703\u6642\u907f\u514d\u8ac7\u7406\u8ca1\uff0c\u4f46\u79c1\u4e0b\u537b\u5230\u8655\u6253\u807d\u6216\u8a0e\u8ad6\u5982\u4f55\u6295\u8cc7\uff0c\u8cfa\u53d6\u66f4\u9ad8\u7684\u5831\u916c\u3002\u8a31\u591a\u6703\u53cb\u5584\u65bc\u7d93\u71df\u80a1\u7968\u53ca\u6295\u8cc7\u623f\u5730\u7522\uff0c\u4e5f\u7684\u78ba\u8499\u795e\u5927\u5927\u8cdc\u798f\uff0c\u8ca1\u5bcc\u589e\u52a0\uff0c\u4f46\u5c0d\u5949\u737b\u537b\u4e0d\u5920\u6177\u6168\u3002<\/p>\n<p>\uff083\uff09\u53d7\u5230\u4e16\u4fd7\u8ca1\u52d9\u7684\u5f71\u97ff\uff0c\u8aa4\u8a8d\u70ba\u4e86\u8981\u63d0\u9ad8\u500b\u4eba\u4fe1\u7528\u7a4d\u5206\uff08credit scores\uff09\uff0c\u5fc5\u9808\u591a\u8cb8\u6b3e\uff0c\u4e5f\u8aa4\u8a8d\u9700\u8981\u4fdd\u6301\u623f\u8cb8\u4f86\u907f\u7a05\uff0c\u56e0\u800c\u5c0e\u81f4\u57fa\u7763\u5f92\u8ca0\u50b5\u592a\u591a\u3002<\/p>\n<p>\uff084\uff09\u57fa\u7763\u5f92\u7684\u5949\u737b\u6c92\u6709\u9054\u5230\u795e\u6240\u5b9a\u7684\u6a19\u6e96\uff08\u4ec0\u4e00\u6216\u66f4\u591a\u7684\u5949\u737b\uff09\uff0c\u56e0\u70ba\u8a31\u591a\u57fa\u7763\u5f92\u81ea\u89ba\u6c92\u6709\u80fd\u529b\u591a\u5949\u737b\uff0c\u56e0\u70ba\u751f\u6d3b\u6240\u9700\u8d85\u904e\u6536\u5165\u6216\u56e0\u70ba\u8ca0\u50b5\u592a\u591a\u3002<\/p>\n<p>\uff085\uff09\u57fa\u7763\u5f92\u4e5f\u6c92\u6709\u76e1\u529b\u50b3\u798f\u97f3\u30026<\/p>\n<p>\uff086\uff09\u8ca1\u5bcc\u63e1\u5728\u975e\u57fa\u7763\u5f92\u624b\u4e2d\u3002\u5f9e\u524d\u57fa\u7763\u5f92\u64c1\u6709\u5927\u91cf\u8ca1\u5bcc\uff0c\u4f8b\u5982\u7d04\u7ff0\uff0e\u6d1b\u514b\u83f2\u52d2\uff08John D. Rockfeller, 1839-1937\uff09\u9760\u77f3\u6cb9\u8d77\u5bb6\uff0c\u662f\u8654\u8aa0\u7684\u7f8e\u570b\u6d78\u4fe1\u6703\u6559\u53cb\uff0c\u4ed6\u5e74\u8f15\u6642\u5019\u7b2c\u4e00\u6b21\u9818\u5230\u5de5\u8cc7\u5c31\u958b\u59cb\u4ec0\u4e00\u5949\u737b\uff0c\u4e4b\u5f8c\u6210\u70ba\u5049\u5927\u7684\u6148\u5584\u5bb6\u4e4b\u4e00\u30027\u4ed6\u7684\u5f8c\u4ee3\u4e5f\u64f4\u5145\u6148\u5584\u4e8b\u696d\uff0c\u6210\u70ba\u8499\u798f\u5bb6\u5ead\u3002\u53ef\u662f\u73fe\u5728\u6700\u5bcc\u6709\u7684\u7f8e\u570b\u4eba\u5df2\u7d93\u4e0d\u662f\u57fa\u7763\u5f92\u3002\u8ca1\u5bcc\u843d\u5728\u975e\u57fa\u7763\u5f92\u624b\u4e2d\uff0c\u5c0d\u50b3\u63da\u798f\u97f3\u662f\u500b\u963b\u529b\u3002<\/p>\n<p>\uff087\uff09\u7d50\u679c\uff1a\u57fa\u7763\u5f92\u7121\u6cd5\u5927\u91cf\u64f4\u5c55\u795e\u7684\u570b\u5ea6\u4e8b\u5de5\u53ca\u5118\u65e9\u5be6\u73fe\u4e3b\u8036\u7a4c\u57fa\u7763\u6240\u5429\u5490\u7684\u5927\u4f7f\u547d\u3002<\/p>\n<p>2008\u81f32009\u5e74\u7684\u91d1\u878d\u5371\u6a5f\u6572\u97ff\u4e86\u7f8e\u570b\u4eba\u7684\u8b66\u9418\uff0c\u8a31\u591a\u4eba\u4e00\u751f\u7a4d\u84c4\u90fd\u56e0\u80a1\u5e02\u5d29\u76e4\u800c\u5927\u5e45\u7e2e\u6c34\uff0c\u5927\u5bb6\u958b\u59cb\u610f\u8b58\u5230\u7406\u8ca1\u7684\u91cd\u8981\u6027\u3002\u6839\u64da\u591a\u5fb7-\u6cd5\u862d\u514b\u6cd5\u6848\uff08Dodd-Frank Act\uff09\uff0c \u9023\u7f8e\u570b\u653f\u5e9c\u90fd\u7a4d\u6975\u958b\u59cb\u63a8\u52d5\u7f8e\u570b\u4eba\u7684\u7406\u8ca1\u6559\u80b2\uff08Financial Capability\uff09\uff0c\u65bc2013\u5e744\u6708\u958b\u59cb\u7531\u8ca1\u653f\u90e8\u63a8\u52d5\u6559\u5c0e\u7f8e\u570b\u4eba\u5982\u4f55\u589e\u9032\u5c0d\u7406\u8ca1\u7684\u77ad\u89e3\uff08Financial Literacy\uff09\u3002\u5176\u4ed6\u5148\u9032\u570b\u5bb6\u4e5f\u6709\u985e\u4f3c\u6559\u80b2\u8a08\u756b\u30028<\/p>\n<p>\u800c\u7f8e\u570b\u57fa\u7763\u6559\u754c\u70ba\u4e86\u5354\u52a9\u6703\u53cb\u7406\u8ca1\uff0c\u4e5f\u958b\u59cb\u7a4d\u6975\u5c0b\u6c42\u6559\u6703\u4ee5\u5916\u7684\u7406\u8ca1\u798f\u97f3\u6a5f\u69cb\u3002\u5176\u4e2d\u6700\u53d7\u6b61\u8fce\u7684\u5169\u500b\u6a5f\u69cb\u662f\u862d\u59c6\u897f\uff08Dave Ramsey\uff09\u7684\u8ca1\u52d9\u5e73\u5b89\uff08Financial Peace\uff09\u548c\u51a0\u5195\u8ca1\u52d9\u4e8b\u5de5\uff08Crown Financial Ministries\uff09\u30029 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C. Maxwell\uff09\u5beb\u904e\u4e00\u672c\u6709\u8da3\u7684\u66f8\uff0c\u300a\u6c92\u6709\u4f01\u696d\u502b\u7406\u9019\u56de\u4e8b\u300b\uff08There\u2019s no such thing as Business 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Map\uff09\uff0c\u862d\u59c6\u897f\uff08Dave Ramsey\uff0c\u53e6\u4e00\u57fa\u7763\u5f92\u7406\u8ca1\u5c08\u5bb6\uff09\u7a31\u70ba\u5b30\u5b69\u5b78\u6b65\uff08Baby Walk\uff09\uff0c\u5176\u6b65\u9a5f\u5927\u81f4\u5982\u4e0b\uff1a<\/p>\n<p>\uff081\uff09\u5132\u5b58\u6025\u7528\u57fa\u91d1\u53ca\u64ec\u5b9a\u652f\u51fa\u8a08\u756b\u3001\uff082\uff09\u9084\u6e05\u4fe1\u7528\u5361\u50b5\u3001\uff083\uff09\u9084\u6e05\u6d88\u8cbb\u578b\u50b5\u52d9\u3001\uff084\uff09\u958b\u59cb\u5132\u84c4\uff08\u8cfc\u623f\u3001\u9000\u4f11\u91d1\u53ca\u5b69\u5b50\u6559\u80b2\uff09\u3001\uff085\uff09\u5c07\u5132\u84c4\u8f49\u70ba\u6295\u8cc7\u3001\uff086\uff09\u53ca\u65e9\u9084\u6e05\u623f\u8cb8\u3001\uff087\uff09\u6700\u5f8c\u9054\u5230\u8ca1\u52d9\u81ea\u7531\u3002\u8a73\u7d30\u5167\u5bb9\uff0c\u5bb9\u4ee5\u5f8c\u518d\u4ecb\u7d39\u300213<\/p>\n<h6>\u5b78\u7fd2\u6177\u6168\u5949\u737b<\/h6>\n<p>\u5949\u737b\u662f\u795e\u7684\u5429\u5490\u3002\u9322\u8ca1\u5c6c\u65bc\u795e\uff0c\u6211\u5011\u662f\u7ba1\u5bb6\uff0c\u6839\u64da\u8056\u7d93\u7684\u6559\u8a13\uff0c\u8981\u5c07\u795e\u6240\u8cdc\u7684\u5949\u737b\u4e00\u90e8\u5206\u5230\u795e\u7684\u570b\u5ea6\u4e2d\uff08\u6559\u6703\u8207\u798f\u97f3\u6a5f\u69cb\uff09\uff0c\u9019\u537b\u662f\u5927\u591a\u6578\u57fa\u7763\u5f92\u8667\u6b20\u795e\u7684\u5730\u65b9\uff0c\u800c\u4e14\u4e5f\u56e0\u6b64\u7121\u6cd5\u4eab\u53d7\u5230\u795e\u8c50\u5bcc\u7684\u4f9b\u61c9\u8207\u8cdc\u798f\u3002\u4ee5\u8272\u5217\u4eba\u9664\u4e86\u4ec0\u4e00\u5949\u737b\u4e4b\u5916\uff0c\u70ba\u4e86\u5efa\u9020\u8056\u6bbf\uff0c\u6177\u6168\u5949\u737b\uff0c\u8aa0\u5fc3\u6a02\u610f\u5c07\u66f4\u591a\u8ca1\u7269\u5949\u737b\u7d66\u795e\uff0c\u767e\u59d3\u53ca\u5927\u885b\u738b\u90fd\u5f88\u6b61\u559c\u3002<\/p>\n<p>\u5927\u885b\u5728\u6703\u773e\u9762\u524d\u7a31\u980c\u795e\uff0c\u8aaa\uff1a\u300c\u8036\u548c\u83ef\u554a\uff0c\u5c0a\u5927\u3001\u80fd\u529b\u3001\u69ae\u8000\u3001\u5f37\u52dd\u3001\u5a01\u56b4\u90fd\u662f\u7962\u7684\uff1b\u51e1\u5929\u4e0a\u5730\u4e0b\u7684\u90fd\u662f\u7962\u7684\uff1b\u570b\u5ea6\u4e5f\u662f\u7962\u7684\uff0c\u4e26\u4e14\u7962\u70ba\u81f3\u9ad8\uff0c\u70ba\u842c\u6709\u4e4b\u9996\u3002\u8c50\u5bcc\u5c0a\u69ae\u90fd\u5f9e\u7962\u800c\u4f86\uff0c\u7962\u4e5f\u6cbb\u7406\u842c\u7269\u3002\u5728\u7962\u624b\u88e1\u6709\u5927\u80fd\u5927\u529b\uff0c\u4f7f\u4eba\u5c0a\u5927\u5f37\u76db\u90fd\u51fa\u65bc\u7962\u3002\u300d\uff08\u6b77\u4ee3\u5fd7\u4e0a29\uff1a11-12\uff09\u5145\u5206\u5ba3\u793a\u795e\u662f\u842c\u7269\u4e3b\u5bb0\u53ca\u7942\u8c50\u76db\u7684\u80fd\u529b\u3002<\/p>\n<p>\u63a5\u8457\u4ed6\u8aaa\uff1a\u300c\u6211\u7b97\u4ec0\u9ebc\uff0c\u6211\u7684\u6c11\u7b97\u4ec0\u9ebc\uff0c\u7adf\u80fd\u5982\u6b64\u6a02\u610f\u5949\u737b\ufe56\u56e0\u70ba\u842c\u7269\u90fd\u5f9e\u7962\u800c\u4f86\uff0c\u6211\u5011\u628a\u5f9e\u7962\u800c\u5f97\u7684\u737b\u7d66\u7962\u3002\u300d\uff08\u6b77\u4ee3\u5fd7\u4e0a29\uff1a14\uff09<\/p>\n<p>\u57fa\u7763\u5f92\u7684\u5949\u737b\u662f\u7406\u6240\u7576\u7136\u7684\uff0c\u56e0\u70ba\u842c\u7269\u90fd\u5f9e\u795e\u800c\u4f86\uff0c\u6211\u5011\u8cfa\u9322\u7684\u80fd\u529b\u662f\u795e\u6240\u8cdc\u7684\uff08\u53c3\u8003\u7533\u547d\u8a188\uff1a18\uff09\uff0c\u56e0\u6b64\u628a\u5f9e\u795e\u800c\u5f97\u8ca1\u7269\u7684\u4e00\u90e8\u5206\u7518\u5fc3\u6a02\u610f\u7684\u5949\u737b\u56de\u53bb\uff0c\u6177\u6168\u5927\u65b9\u7684\u65bd\u6368\u662f\u795e\u7684\u5429\u5490\uff0c\u4e5f\u662f\u8499\u798f\u4e4b\u9053\u3002<\/p>\n<p>\u5949\u737b\u662f\u8499\u798f\u7684\u884c\u52d5\u3002\u5949\u737b\u662f\u4e3b\u8036\u7a4c\u7684\u6559\u5c0e\uff0c\u300c\u65bd\u6bd4\u53d7\u66f4\u70ba\u6709\u798f\u3002\u300d\uff08\u4f7f\u5f92\u884c\u50b320\uff1a35\uff09\u7576\u6211\u5011\u5949\u737b\u65bd\u6368\u6642\uff0c\u6211\u5011\u7684\u8499\u798f\u6bd4\u63a5\u53d7\u6350\u737b\u8005\u66f4\u591a\u3002\u6240\u8b02\u300c\u6709\u798f\u300d\u5305\u62ec\u4e0b\u5217\u5e7e\u9ede\uff1a<\/p>\n<p>\uff081\uff09\u66f4\u89aa\u8fd1\u4e3b\u3002\u300c\u56e0\u70ba\u4f60\u7684\u8ca1\u5bf6\u5728\u54ea\u88e1\uff0c\u4f60\u7684\u5fc3\u4e5f\u5728\u90a3\u88e1\u3002\u300d\uff08\u99ac\u592a\u798f\u97f36\uff1a21\uff09\u7576\u6211\u5011\u5949\u737b\u6642\uff0c\u5c31\u662f\u7a4d\u8ca1\u5728\u5929\u4e0a\uff08\u53c3\u8003\u99ac\u592a\u798f\u97f36\uff1a19-20\uff09\uff0c\u6211\u5011\u8207\u4e3b\u7684\u5fc3\u6703\u8d8a\u52a0\u89aa\u5bc6\u3002<\/p>\n<p>\u4e00\u500b\u4e0d\u80af\u5949\u737b\u7684\u57fa\u7763\u5f92\uff0c\u5f88\u96e3\u76f8\u4fe1\u4ed6\u8207\u795e\u6703\u5efa\u7acb\u591a\u89aa\u5bc6\u7684\u95dc\u4fc2\u3002\u4e00\u500b\u8a8d\u70ba\u81ea\u5df1\u7121\u529b\u5949\u737b\u7684\u57fa\u7763\u5f92\u9700\u8981\u5be9\u8996\u81ea\u5df1\u8ca1\u52d9\u7684\u5206\u914d\uff0c\u4e5f\u53ef\u4ee5\u53cd\u601d\uff0c\u6211\u5011\u5c0d\u653f\u5e9c\u7684\u8ab2\u7a05\u4e0d\u6562\u9003\u7a05\uff0c\u4f46\u70ba\u4ec0\u9ebc\u5c0d\u795e\u7684\u5949\u737b\u537b\u6389\u4ee5\u8f15\u5fc3\uff1f<\/p>\n<p>\uff082\uff09\u80fd\u9020\u5c31\u54c1\u683c\u3002\u4fdd\u7f85\u8981\u63d0\u6469\u592a\u56d1\u5490\u6703\u773e\u300c\u884c\u5584\uff0c\u5728\u597d\u4e8b\u4e0a\u5bcc\u8db3\uff0c\u7518\u5fc3\u65bd\u6368\uff0c\u6a02\u610f\u4f9b\u7d66\u4eba\uff0c\u70ba\u81ea\u5df1\u7a4d\u6210\u7f8e\u597d\u7684\u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Theology\uff09\u8207\u6210\u529f\u795e\u5b78\uff08Prosperity 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Equity Loans\uff09\u2192\u91ab\u7642\u8cbb\u7528\u2192\u623f\u5c4b\u8cb8\u6b3e\u3002\u623f\u8cb8\u6578\u984d\u9f90\u5927\uff0c\u5e74\u9650\u5f88\u9577\uff0c\u56e0\u6b64\u653e\u5728\u6700\u5f8c\u3002<\/p>\n<p>\u6efe\u96ea\u7403\u7b56\u7565\u9084\u50b5\uff08Snowball 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to Students at The George Washington University, by Chairman Elisse Walter, U.S. Securities and Exchange Commission, Washington, D.C., April 1, 2013. www.sec.gov\/news\/speech\/2013\/spch040113ebw.htm.<\/li>\n<li>www.census.gov\/hhes\/www\/poverty\/about\/overview\/<\/li>\n<li>\u6839\u64da\u7f8e\u570b\u806f\u90a6\u5132\u5099\u5c40\u516c\u4f48\u4e4b\u7d71\u8a08\uff0c\u8f49\u5f15\u81eaonline.wsj.com\/news\/articles\/SB10001424052702304081804579559813544267206<\/li>\n<li>\u57fa\u7763\u5f92\u6c92\u6709\u76e1\u529b\u50b3\u798f\u97f3\uff0c\u898bwww.lifeway.com\/Article\/research-survey-sharing-christ-2012\u4e4b\u8abf\u67e5\u3002<\/li>\n<li>en.wikipedia.org\/wiki\/John_D._Rockefeller<\/li>\n<li>\u53c3\u898ben.wikipedia.org\/wiki\/Financial_literacy<\/li>\n<li>\u5206\u5225\u53c3\u898bdaveramsey.com\uff0c crown.org\uff08\u7f8e\u570b\uff09\u53cacrown.org.tw\uff08\u81fa\u7063\uff09\u3002<\/li>\n<li>\u7f8e\u570b\u8056\u7d93\u516c\u67032012\u5e74\u8abf\u67e5\u57fa\u7763\u5f92\u5c0d\u8056\u7d93\u539f\u5247\u7406\u8ca1\u7684\u5831\u544a\uff1awww.americanbible.org\/about\/press-news\/donald-trump-or-god-america-votes-whose-financial-advice-better<\/li>\n<li>www.crown.org\u53cacompass1.org\uff0c\u6c92\u6709\u6b63\u5f0f\u7684\u82f1\u6587\u7248\u3002\u81fa\u7063\u51a0\u5195\u771f\u9053\u5354\u6703\u5c07\u82f1\u6587\u7de8\u6210\u4e2d\u6587\u7248\u300a2350\u8056\u7d93\u8ca1\u52d9\u7ba1\u7406\u89e3\u5bc6\u300b\uff0c2008\u5e749\u6708\u521d\u7248\uff0c\u7d93\u6587\u91c7\u7528\u65b0\u8b6f\u672c\u3002\u7f8e\u570b\u8056\u7d93\u516c\u6703\u65bc2011\u5e74\u51fa\u7248\u8ca1\u52d9\u7ba1\u5bb6\u8056\u7d93\uff08Financial Stewardship Bible\uff09\u5c072350\u7bc0\u7d93\u6587\u4ee5\u7da0\u8272\u5b57\u9ad4\u6a19\u660e\u5728\u5168\u672c\u8056\u7d93\u4e2d\uff0c\u4e26\u52a0\u4e0a40\u5929\uff0871\u9801\uff09\u7684\u7814\u7d93\u6750\u6599\uff1b\u7d93\u6587\u63a1\u7528\u7576\u4ee3\u82f1\u6587\u8056\u7d93\uff08Contemporary English Version\uff09\u3002<\/li>\n<li>\u97cb\u654f\u65af\u5fb7\u5927\u8981\u7406\u554f\u7b54\uff0c\u554f\u4e00\u3002\u6b77\u4ee3\u6559\u6703\u4fe1\u689d\u7cbe\u9078\uff0c\u8d99\u4e2d\u8f1d\u7b49\u8b6f\uff0c\u81fa\u7063\u57fa\u7763\u6559\u6539\u9769\u5b97\u7ffb\u8b6f\u793e\uff0c2002\uff0c\u9801159\u3002<\/li>\n<li>\u53c3\u8003Howard Dayton, Your Money Map, Moody, 2006\uff1b\u4ee5\u53ca Dave Ramsey, The Money Makeover, 3rd Edition, Nelson, 2009\u3002\u6709\u95dcMoney Map\u7684\u8aaa\u660e\u53ca\u5730\u5716\u6a94\u53ef\u5f9e\u7db2\u9801\u4e0b\u8f09\uff0c\u4f8b\u5982\uff0cHTTP\uff1a\/\/www.compass1.org\/wp-content\/uploads\/2012\/03 \/Money-Map-description-6.27.12.pdf\u53cacompass1.org\/resources\/compass-map\/<\/li>\n<li>www.womenmoneyanddivorce.com\/m-is-for-the-magic-or-madness-of-money-and-the-brain<\/li>\n<li>Maximum Generosity, \u7db2\u8def\u7248\u8349\u7a3f\u53ef\u5f9e\u4ee5\u4e0b\u7db2\u8def\u4e0b\u8f09\uff1awww.kluth.org\/Draft-version-20-truths-about-tithers.pdf<\/li>\n<li>\u672c\u6bb5\u5c0d\u592a23\uff1a23\u7684\u89e3\u91cb\u53c3\u8003\u9ec3\u8fe6\u52d2\uff0c\u300a\u99ac\u592a\u798f\u97f3\u6ce8\u91cb\u300b\u7b2c23\u7ae0\u3002<\/li>\n<li>\u53c3\u898bJulian Archer, Help! I\u2019ve Been Blessed, How to Stop God\u2019s Blessings from becoming Curses, Carpenter\u2019s Son Publishing, 2014\u3002<\/li>\n<li>en.wikipedia.org\/wiki\/Prosperity_theology\u3002<\/li>\n<li>\u53c3\u898b\u6eab\u82f1\u5e79\uff0c\u300c\u666e\u4e16\u50b5\u52d9\u5371\u6a5f\u300d\u8207\u300c\u57fa\u7763\u6559\u4fe1\u4ef0\u8207\u7d93\u6fdf\u767c\u5c55\u300d\u5169\u7bc7\u6587\u7ae0\uff0c\u6536\u5728\u300a\u666e\u4e16\u50b5\u52d9\u5371\u6a5f\u8207\u4fe1\u4ef0\u300b\u4e00\u66f8\uff0c\u81fa\u7063\u79a7\u5e74\u7d93\u6fdf\u502b\u7406\u6587\u6559\u57fa\u91d1\u6703\uff0c2012\u3002<\/li>\n<li>\u53c3\u8003Howard Dayton\u53caDave Ramsey\u524d\u5f15\u66f8\u3002<\/li>\n<\/ol>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<p>\u2027\u00a0\u00a0\u00a0\u00a0 \u672c\u6587\u53d6\u81ea\u300a\u4f7f\u8005\u96dc\u8a8c\u300b2014\u5e7411-12\u6708\u7db2\u8def\u7248<\/p>\n<p>\u2027\u00a0\u00a0\u00a0\u00a0 Ambassadors Magazine, 21 Ambassador Drive, Paradise, PA 17562, USA<\/p>\n<p>Email\uff1aam@afcinc.org<\/p>\n<p>\u2027\u00a0\u00a0\u00a0\u00a0 http\uff1a\/\/www.ambassadorsmagazine.org\/\u5206\u985e\u6587\u7ae0\/\u7406\u8ad6\u8207\u63a2\u8a0e\/\u5408\u795e\u5fc3\u610f\u7684\u7406\u8ca1\u8207\u5949\u737b-\u6eab\u82f1\u5e79\/<\/p>\n<p>\u2027\u00a0\u00a0\u00a0\u00a0 \u7db2\u8def\u7248\u70ba\u5168\u6587\uff08\u7a0d\u52a0\u5c0f\u4fee\uff09\uff0c\u56e0\u70ba\u7bc7\u5e45\u6240\u9650\uff0c\u672c\u6587\u914c\u522a\u90e8\u5206\u5167\u5bb9\u4e14\u672a\u5305\u62ec\u6ce8\u91cb\u3002<\/p>\n<p>\u2027\u00a0\u00a0\u00a0\u00a0 \u8a73\u6587\u8acb\u9023\u7d50\u4e0a\u5217\u4f7f\u8005\u66f8\u623f\u7db2\u9801\u6216\u6eab\u82f1\u5e79\u7684\u90e8\u843d\u683chttp\uff1a\/\/ykwen.blogspot.com\/<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u3010\u6eab\u82f1\u5e79\u3011 \u51a0\u5195\u8ca1\u52d9\u4e8b\u5de5\u7f8e\u570b\u83ef\u4eba\u5916\u5c55\u4e8b\u5de5\u4e3b\u4efb \u57fa\u7763\u4f7f\u8005\u5354\u6703\u8463\u4e8b \u57fa\u7763\u5f92\u70ba\u4ec0\u9ebc\u9700\u8981\u7406\u8ca1\uff1f\u7406\u8ca1\u7684\u8056\u7d93\u6559\u5c0e\u8207\u539f\u5247\u662f\u4ec0\u9ebc\uff1f\u7406\u8ca1\u8207\u5949\u737b\u7684\u95dc\u4fc2\u662f\u4ec0\u9ebc\uff1f\u5982\u4f55\u7528\u7406\u8ca1\u4f86\u5be6\u73fe\u64f4\u5c55\u795e\u7684\u570b\u5ea6\u4e8b\u5de5\u53ca\u5118\u65e9\u5be6\u73fe\u4e3b\u8036\u7a4c\u6240\u5429\u5490\u7684\u5927\u4f7f\u547d\u7684\u6240\u9700\uff1f \u4e00\u3001\u524d\u8a00\uff1a\u57fa\u7763\u5f92\u70ba\u4ec0\u9ebc\u8981\u7406\u8ca1\uff1f \u591a\u5e74\u524d\u7f8e\u570b\u66fe\u5c0d\u57fa\u7763\u5f92\u8ca1\u52d9\u60c5\u6cc1\u505a\u904e\u8abf\u67e5\uff0c\u53d7\u8a2a\u5c0d\u8c61\u7684\u689d\u4ef6\u662f\uff081 [&#8230;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[21,8],"tags":[],"class_list":["post-1400","post","type-post","status-publish","format-standard","hentry","category-21","category-8"],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/jubilee.economic-ethics.org\/ourjubilee\/wp-json\/wp\/v2\/posts\/1400","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jubilee.economic-ethics.org\/ourjubilee\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jubilee.economic-ethics.org\/ourjubilee\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jubilee.economic-ethics.org\/ourjubilee\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jubilee.economic-ethics.org\/ourjubilee\/wp-json\/wp\/v2\/comments?post=1400"}],"version-history":[{"count":2,"href":"https:\/\/jubilee.economic-ethics.org\/ourjubilee\/wp-json\/wp\/v2\/posts\/1400\/revisions"}],"predecessor-version":[{"id":1438,"href":"https:\/\/jubilee.economic-ethics.org\/ourjubilee\/wp-json\/wp\/v2\/posts\/1400\/revisions\/1438"}],"wp:attachment":[{"href":"https:\/\/jubilee.economic-ethics.org\/ourjubilee\/wp-json\/wp\/v2\/media?parent=1400"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jubilee.economic-ethics.org\/ourjubilee\/wp-json\/wp\/v2\/categories?post=1400"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jubilee.economic-ethics.org\/ourjubilee\/wp-json\/wp\/v2\/tags?post=1400"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}