{"id":1974,"date":"2023-03-07T14:59:07","date_gmt":"2023-03-07T06:59:07","guid":{"rendered":"https:\/\/www.overcomepenangloan.com.my\/5%e7%a7%8d%e5%b8%ae%e5%8a%a9%e4%bd%a0%e6%91%86%e8%84%b1%e6%97%a0%e9%92%b1%e5%80%ba%e5%8a%a1%e7%9a%84%e6%96%b9%e6%b3%95\/"},"modified":"2023-03-08T14:02:31","modified_gmt":"2023-03-08T06:02:31","slug":"5%e7%a7%8d%e5%b8%ae%e5%8a%a9%e4%bd%a0%e6%91%86%e8%84%b1%e6%97%a0%e9%92%b1%e5%80%ba%e5%8a%a1%e7%9a%84%e6%96%b9%e6%b3%95","status":"publish","type":"post","link":"https:\/\/www.overcomepenangloan.com.my\/zh-hans\/5%e7%a7%8d%e5%b8%ae%e5%8a%a9%e4%bd%a0%e6%91%86%e8%84%b1%e6%97%a0%e9%92%b1%e5%80%ba%e5%8a%a1%e7%9a%84%e6%96%b9%e6%b3%95\/","title":{"rendered":"5\u79cd\u5e2e\u52a9\u4f60\u6446\u8131\u503a\u52a1\u7684\u65b9\u6cd5"},"content":{"rendered":"<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">\u5e02\u9762\u4e0a\u6709\u5f88\u591a\u89e3\u51b3\u503a\u52a1\u95ee\u9898\u7684\u9a97\u5c40\u3002 \u4e0d\u5e78\u7684\u662f\uff0c\u6709\u8bb8\u591a\u4eba\u6210\u4e3a\u4ed6\u4eec\u7684\u53d7\u5bb3\u8005\u3002 \u7136\u800c\uff0c\u6709\u4e00\u79cd\u5408\u6cd5\u7684\u65b9\u5f0f\u6765\u6446\u8131\u7684\u503a\u52a1\u3002 <\/span><span style=\"font-weight: 400;\">\u5982\u679c\u5728\u6ca1\u6709\u94b1\u7684\u60c5\u51b5\u4e0b\u6446\u8131\u503a\u52a1\u7684\u60f3\u6cd5\u542c\u8d77\u6765\u4e0d\u53ef\u80fd\u3002\u56e0\u6b64\uff0c<\/span><span style=\"font-weight: 400;\">\u5728\u8fd9\u7bc7\u535a\u6587\u4e2d\uff0c\u6211\u4eec\u5c06\u4ed4\u7ec6\u7814\u7a76\u4e00\u4e0b\u4f60\u53ef\u4ee5\u7528\u6765\u6446\u8131\u503a\u52a1\u7684\u51e0\u4e2a\u6f5c\u5728\u7b56\u7565\u3002 \u4f60\u53ef\u4ee5\u5728\u77ed\u77ed\u4e94\u5e74\u5185\u8fd8\u6e05\u503a\u52a1\uff0c\u4f46\u4f60\u9700\u8981\u4e25\u683c\u9075\u5b88\u9884\u7b97\u3002 <\/span><span style=\"font-weight: 400;\">\u7ee7\u7eed\u9605\u8bfb\u4ee5\u4e86\u89e3\u66f4\u591a!<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: left;\"><b>\u5982\u4f55\u8f7b\u677e\u53c8\u5feb\u901f\u5730\u6446\u8131\u503a\u52a1\uff1f<\/b><\/h2>\n<h3 style=\"font-style: normal; text-align: left;\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-819\" style=\"font-size: 16px; font-weight: inherit;\" src=\"https:\/\/www.overcomepenangloan.com.my\/wp-content\/uploads\/2022\/07\/Overcome-Resources-1-e1656913688758.png\" alt=\"\u8d37\u6b3e\u9739\u96f3\u5dde\" width=\"427\" height=\"243\" title=\"\"><\/h3>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: left;\"><b>\u65b9\u6cd51\uff1a\u5236\u5b9a\u9884\u7b97\u5e76\u575a\u6301\u4e0b\u53bb<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">\u521b\u5efa\u4e00\u4e2a\u9884\u7b97\u662f\u4e00\u4e2a\u5f88\u597d\u7684\u65b9\u5f0f\u6765<\/span><b>\u63d0\u9ad8\u4f60\u7684\u8d22\u52a1\u7a33\u5b9a\u6027\u3002<\/b><span style=\"font-weight: 400;\">\u901a\u8fc7\u4e86\u89e3\u4f60\u7684\u6536\u5165\u548c\u652f\u51fa\uff0c\u4f60\u53ef\u4ee5<\/span><b>\u521b\u5efa\u4e00\u4e2a\u53cd\u6620\u4f60\u771f\u5b9e\u6d88\u8d39\u4e60\u60ef\u7684\u9884\u7b97\u3002<\/b><span style=\"font-weight: 400;\">\u4e00\u65e6\u4f60\u6709\u4e86\u9884\u7b97\uff0c\u4f60\u5c31\u53ef\u4ee5<\/span><b>\u6ce8\u91cd\u6d88\u9664\u6d6a\u8d39\u6027\u5f00\u652f<\/b><span style=\"font-weight: 400;\">\u548c<\/span><b>\u6539\u5584\u4f60\u7684\u73b0\u91d1\u6d41\u3002<\/b><span style=\"font-weight: 400;\">\u8fd9\u5c06\u5e2e\u52a9\u4f60 <\/span><b>\u8ffd\u8e2a\u4f60\u7684\u652f\u51fa\uff0c\u4e86\u89e3\u4f60\u53ef\u80fd\u8d85\u652f\u7684\u5730\u65b9\u3002<\/b><span style=\"font-weight: 400;\">\u6700\u540e\uff0c\u4f60\u5c06\u80fd\u66f4\u5feb\u5730\u8fd8\u6e05\u503a\u52a1\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>\u65b9\u6cd52\uff1a\u51cf\u5c11\u4e0d\u5fc5\u8981\u7684\u5f00\u652f<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">\u8fd9\u610f\u5473\u7740<\/span><b>\u91cf\u5165\u4e3a\u51fa<\/b><span style=\"font-weight: 400;\">\u548c<\/span><b>\u4e0d\u82b1\u4f60\u8d85\u51fa\u80fd\u529b\u8303\u56f4\u7684\u94b1\u3002<\/b><span style=\"font-weight: 400;\">\u5c1d\u8bd5<\/span><b>\u627e\u4e00\u4e2a\u66f4\u4fbf\u5b9c\u7684\u66ff\u4ee3\u54c1\u6765\u66ff\u4ee3\u4f60\u4e60\u60ef\u6027\u5730\u82b1\u94b1\u4e70\u7684\u4e1c\u897f<\/b><span style=\"font-weight: 400;\">\u6216\u627e\u5230\u4f7f\u4f60\u7684\u652f\u51fa\u66f4\u6709\u6548\u7387\u7684\u65b9\u6cd5\u3002 \u4f8b\u5982\uff0c\u4f60\u53ef\u4ee5\u5c1d\u8bd5\u51cf\u5c11\u4f60\u7684\u7535\u8d39\uff0c\u4e0d\u518d\u50cf\u4ee5\u524d\u90a3\u6837\u5728\u5916\u9762\u5403\u996d\uff0c\u5e76\u4e3a\u81ea\u5df1\u8bbe\u5b9a\u8f83\u5c0f\u7684\u91d1\u94b1\u76ee\u6807\u3002<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">\u540c\u6837\uff0c\u4f60\u4e5f\u53ef\u4ee5\u901a\u8fc7\u4ee5\u4e0b\u65b9\u5f0f\u51cf\u5c11\u4f60\u7684\u6bcf\u6708\u5f00\u652f <\/span><b>\u54ea\u6015\u662f\u4e00\u4e2a\u5c0f\u6570\u76ee<\/b><span style=\"font-weight: 400;\">\uff0c\u8fd9\u5c06\u5bf9\u4f60\u7684\u503a\u52a1\u507f\u8fd8\u65f6\u95f4\u8868\u4ea7\u751f <\/span><b>\u5bf9\u4f60\u507f\u8fd8\u503a\u52a1\u7684\u65f6\u95f4\u8868\u6709\u5f88\u5927\u5f71\u54cd\u3002<\/b><\/p>\n<p>&nbsp;<\/p>\n<h3><b>\u65b9\u6cd53\uff1a\u5bfb\u627e\u7b79\u96c6\u8d44\u91d1\u7684\u9014\u5f84<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">\u4f60\u53ef\u4ee5\u5c1d\u8bd5\u627e\u4e00\u4efd<\/span><b>\u517c\u804c\u6216\u5168\u804c\u5de5\u4f5c<\/b><span style=\"font-weight: 400;\">\uff0c\u8fd9\u5c06 <\/span><b>\u589e\u52a0\u4f60\u7684\u6536\u5165<\/b><span style=\"font-weight: 400;\"> \u5e76\u5e2e\u52a9\u4f60\u507f\u8fd8\u4f60\u7684\u503a\u52a1\u3002 \u6b64\u5916\uff0c\u4f60\u8fd8\u53ef\u4ee5<\/span><b>\u62a5\u540d\u53c2\u52a0\u6559\u80b2\u9879\u76ee<\/b><span style=\"font-weight: 400;\">\u5c06\u4e3a\u4f60\u63d0\u4f9b<\/span><b>\u66f4\u591a\u7684\u6280\u80fd\u548c\u77e5\u8bc6<\/b><span style=\"font-weight: 400;\">\u6240\u9700\u7684\u6280\u80fd\u548c\u77e5\u8bc6<\/span><b>\u83b7\u5f97\u66f4\u597d\u7684\u5de5\u4f5c\u3002<\/b><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">\u53e6\u4e00\u4e2a\u5fc5\u8981\u7684\u63d0\u793a\u662f <\/span><b>\u7f29\u51cf\u89c4\u6a21<\/b><span style=\"font-weight: 400;\">\uff0c\u8fd9\u610f\u5473\u7740 <\/span><b>\u5356\u6389\u4e0d\u518d\u9700\u8981\u6216\u60f3\u8981\u7684\u7269\u54c1<\/b><span style=\"font-weight: 400;\">\u4ee5\u6b64\u6765 <\/span><b>\u4ea7\u751f\u66f4\u591a\u73b0\u91d1<\/b><span style=\"font-weight: 400;\">\u7528\u4e8e\u507f\u8fd8\u503a\u52a1\u3002 <\/span><\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: left;\"><b>\u65b9\u6cd54\uff1a\u5411\u4e13\u4e1a\u4eba\u58eb\u5bfb\u6c42\u5e2e\u52a9 <\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">\u4f60\u53ef\u4ee5\u4f9d\u9760\u975e\u8425\u5229\u7ec4\u7ec7\u63d0\u4f9b\u7684\u4fe1\u7528\u54a8\u8be2\u670d\u52a1\u548c\u8ba1\u5212\u3002 \u8f85\u5bfc\u5458\u5c06\u5e2e\u52a9\u4f60 <\/span><b>\u4e86\u89e3\u4f60\u7684\u4fe1\u7528\u72b6\u51b5 <\/b><span style=\"font-weight: 400;\">\u5e76 <\/span><b>\u5236\u5b9a\u4e00\u4e2a\u8ba1\u5212\u6765\u63d0\u9ad8\u4f60\u7684\u4fe1\u7528\u5206\u6570<\/b><span style=\"font-weight: 400;\">. \u8fd9\u53ef\u4ee5\u5e2e\u52a9\u4f60 <\/span><b>\u83b7\u5f97\u66f4\u597d\u7684\u8d37\u6b3e<\/b><span style=\"font-weight: 400;\">\u548c <\/span><b>\u8d37\u6b3e\u548c\u8f83\u4f4e\u7684\u5229\u7387\u3002<\/b><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: left;\"><b>\u4ec0\u4e48\u662fAKPK\uff1f<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">\u4fe1\u7528\u54a8\u8be2\u548c\u503a\u52a1\u7ba1\u7406\u673a\u6784\uff0c\u4e5f\u88ab\u79f0\u4e3aAgensi Kaunselling dan Pengurusan Kredit (AKPK)\uff0c\u7531\u9a6c\u6765\u897f\u4e9a\u56fd\u5bb6\u94f6\u884c\uff08BNM\uff09\u4e8e2006\u5e74\u6210\u7acb\uff0c\u662fBNM 10\u5e74\u91d1\u878d\u90e8\u95e8\u603b\u4f53\u89c4\u5212\u4e2d\u6d88\u8d39\u8005\u4fdd\u62a4\u6846\u67b6\u7684\u4e00\u4e2a\u7ec4\u6210\u90e8\u5206\u3002 <\/span><span style=\"font-weight: 400;\">\u57fa\u4e8e <\/span><a href=\"https:\/\/www.akpk.org.my\/sites\/default\/files\/AKPK_Financial%20Behaviour%20and%20State%20of%20Finanical%20Well-being%20of%20Malaysian%20Working%20Adult.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">2018\u5e74AKPK\u5bf9\u9a6c\u6765\u897f\u4e9a\u5728\u804c\u6210\u5e74\u4eba\u7684\u8d22\u52a1\u884c\u4e3a\u548c\u8d22\u52a1\u72b6\u51b5\u7684\u8c03\u67e5<\/span><\/a><span style=\"font-weight: 400;\">\uff0c\u8868\u660e <\/span><b>\u5927\u591a\u6570\u7684\u9a6c\u6765\u897f\u4e9a\u4eba<\/b><span style=\"font-weight: 400;\"> \u58f0\u79f0\u4ed6\u4eec <\/span><b>\u96be\u4ee5\u62ff\u51fa1,000\u4ee4\u5409\u7528\u4e8e\u5e94\u6025\u3002<\/b><span style=\"font-weight: 400;\">. \u800c\u5bf9\u7531 <\/span><a href=\"https:\/\/www.mdi.gov.my\/images\/documents\/Statistics\/Bankrupcy\/StatistikKebankrapandisember2019.pdf\" target=\"_blank\" rel=\"noopener\"><br \/>\n<span style=\"font-weight: 400;\">\u9a6c\u6765\u897f\u4e9a\u7834\u4ea7\u90e8<\/span><br \/>\n<\/a><span style=\"font-weight: 400;\">\u5728\u9a6c\u6765\u897f\u4e9a\uff0c\u6709 <\/span><b>\u57282015\u5e74\u81f32019\u5e74\u671f\u95f4\uff0c\u6709\u8d85\u8fc784,000\u4eba\u88ab\u5ba3\u5e03\u7834\u4ea7\u3002<\/b><span style=\"font-weight: 400;\">\u56e0\u6b64\uff0c\u4ee5\u4e0b\u662fAKPK\u4e3a\u5e2e\u52a9\u9a6c\u6765\u897f\u4e9a\u4eba\u6446\u8131\u503a\u52a1\u800c\u63d0\u4f9b\u7684\u4e00\u4e9b\u670d\u52a1\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<h5 style=\"text-align: left;\"><b>AKPK\u63d0\u4f9b\u7684\u4e09\uff083\uff09\u9879\u670d\u52a1\u5982\u4e0b\u3002<\/b><\/h5>\n<ol style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u8d22\u52a1\u6559\u80b2\u5f3a\u8c03\u5ba1\u614e\u7684\u8d44\u91d1\u7ba1\u7406\u548c\u4fe1\u8d37\u7ba1\u7406\u6280\u5de7\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u8d22\u52a1\u7ba1\u7406\u6307\u5bfc\u548c\u63f4\u52a9\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u503a\u52a1\u7ba1\u7406\u65b9\u6848\uff0c\u5e2e\u52a9\u7528\u6237\u6062\u590d\u5bf9\u5176\u8d22\u52a1\u7684\u63a7\u5236\u3002<\/span><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: left;\"><b>\u65b9\u6cd55\uff1a\u7533\u8bf7\u4f4e\u606f\u4e2a\u4eba\u8d37\u6b3e<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">\u4f4e\u606f\u4e2a\u4eba\u8d37\u6b3e\u662f\u4e00\u79cd\u4f4e\u5229\u7387\u7684\u8d37\u6b3e\uff0c\u8fd9\u610f\u5473\u7740\u4f60\u5c06\u4f1a <\/span><b>\u652f\u4ed8\u8f83\u5c11\u7684\u5229\u606f\u3002<\/b><span style=\"font-weight: 400;\">\u8fd9\u53ef\u4ee5\u5e2e\u52a9\u4f60\u66f4\u5feb\u5730\u6446\u8131\u503a\u52a1\uff0c\u56e0\u4e3a\u4f60\u5728\u603b\u4f53\u4e0a\u652f\u4ed8\u7684\u5229\u606f\u4f1a\u66f4\u5c11\u3002<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">\u5728Overcome Resources, <a href=\"https:\/\/www.overcomepenangloan.com.my\/zh-hans\/\"><b>\u9a6c\u6765\u897f\u4e9a\u8d37\u6b3e\u516c\u53f8\u5feb\u901f\u5ba1\u6279\u8d37\u6b3e<\/b><\/a>, <\/span><span style=\"font-weight: 400;\">\u6211\u4eec\u4e0d\u4ec5\u4e3a\u60a8\u63d0\u4f9b\u8d37\u6b3e\uff0c\u800c\u4e14\u8fd8\u4e3a\u60a8\u63d0\u4f9b\u4f4e\u5229\u7387\u7684\u8d37\u6b3e\u3002 <\/span><b>\u4f4e\u5229\u7387\u7684\u8d37\u6b3e<\/b><span style=\"font-weight: 400;\">\u800c\u4e14\u8fd8<\/span><b>\u5141\u8bb8\u60a8\u5728\u8f83\u957f\u7684\u65f6\u95f4\u5185\u5206\u671f\u4ed8\u6b3e\u3002<\/b><span style=\"font-weight: 400;\">\u8fd9\u6837\u4e00\u6765\uff0c\u4f60\u5c31\u53ef\u4ee5\u907f\u514d\u4e00\u6b21\u6027\u8fd8\u6e05\u503a\u52a1\u3002<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">\u6700\u540e\u4f46\u540c\u6837\u91cd\u8981\u7684\u662f\uff0c\u6211\u4eec\u63d0\u4f9b<a href=\"https:\/\/www.overcomepenangloan.com.my\/zh-hans\/%e5%90%89%e9%9a%86%e5%9d%a1%e8%b4%b7%e6%ac%be%e5%85%ac%e5%8f%b8\/\"><b>\u5409\u9686\u5761\u96ea\u5170\u83aa\u5feb\u901f\u5ba1\u6279\u8d37\u6b3e<\/b><\/a>, <\/span><b>\u53ef\u572824\u5c0f\u65f6\u5185\u6279\u51c6500-2500\u9a6c\u5e01\u7684\u8d37\u6b3e\u3002<\/b><\/p>\n<p>&nbsp;<\/p>\n<h4 style=\"text-align: left;\"><b>\u7ed3\u8bba<\/b><\/h4>\n<p style=\"text-align: left;\"><span style=\"font-weight: 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