{"id":25999,"date":"2023-03-14T05:50:12","date_gmt":"2023-03-14T09:50:12","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/how-to-open-a-bank-account-when-studying-in-the-u-s\/"},"modified":"2025-08-09T17:54:16","modified_gmt":"2025-08-09T17:54:16","slug":"how-to-open-a-bank-account-when-studying-in-the-u-s","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-to-open-a-bank-account-when-studying-in-the-u-s\/","title":{"rendered":"\u5728\u7f8e\u56fd\u5b66\u4e60\u65f6\u5982\u4f55\u5f00\u8bbe\u94f6\u884c\u8d26\u6237"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u5728\u7f8e\u56fd\uff0c\u8fd182%\u7684\u5bb6\u5ead\u62e5\u6709\u94f6\u884c\u8d26\u6237\uff0c<\/span><a href=\"https:\/\/www.fdic.gov\/analysis\/household-survey\/index.html\"><span style=\"font-weight: 400;\">\u6839\u636eFDIC\u7684\u6570\u636e<\/span><\/a><span style=\"font-weight: 400;\">\u3002\u5982\u679c\u4f60\u8ba1\u5212\u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\u5728\u7f8e\u56fd\u5b66\u4e60\uff0c\u90a3\u4e48\u4e3a\u81ea\u5df1\u5f00\u8bbe\u4e00\u4e2a\u8d26\u6237\u662f\u4e2a\u597d\u4e3b\u610f\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u91cd\u8981\u7684\u662f\u8981\u8bb0\u4f4f\uff0c\u4e0d\u662f\u6240\u6709\u7684\u91d1\u878d\u673a\u6784\u90fd\u4e3a\u56fd\u9645\u5b66\u751f\u6216\u8bbf\u5ba2\u63d0\u4f9b\u94f6\u884c\u8d26\u6237\u3002\u5728\u7f8e\u56fd\u63a2\u7d22\u94f6\u884c\u4e1a\u52a1\u7684\u673a\u4f1a\u65f6\uff0c\u8bf7\u8bb0\u4f4f\u8fd9\u4e00\u70b9\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">1. \u627e\u5230\u5408\u9002\u7684\u94f6\u884c<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u5bf9\u4f60\u6765\u8bf4\uff0c\u5408\u9002\u7684\u94f6\u884c\u8d26\u6237\u53d6\u51b3\u4e8e\u4f60\u7684\u9700\u6c42\u3002\u6839\u636e\u4ee5\u4e0b\u56e0\u7d20\u8bc4\u4f30\u4e0d\u540c\u7684\u94f6\u884c\uff1a<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u5730\u70b9\uff1a<\/b><span style=\"font-weight: 400;\">\u662f\u5426\u6709\u4e00\u4e2a\u79bb\u6821\u56ed\u8fd1\u7684\u5206\u884c\uff0c\u4f60\u53ef\u4ee5\u5f88\u5bb9\u6613\u5730\u5230\u8fbe\uff0c\u6bd4\u5982\u6b65\u884c\u3001\u9a91\u81ea\u884c\u8f66\u6216\u4e58\u516c\u5171\u4ea4\u901a\uff1f\u4e00\u4e9b\u94f6\u884c\u5728\u6821\u56ed\u5185\uff0c\u5bf9\u5b66\u751f\u6765\u8bf4\u662f\u4e00\u4e2a\u65b9\u4fbf\u7684\u9009\u62e9\u3002\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u53ef\u8bbf\u95ee\u6027\uff1a<\/b><span style=\"font-weight: 400;\">\u94f6\u884c\u662f\u5426\u6709\u4e00\u4e2a\u79fb\u52a8\u5e94\u7528\uff0c\u8ba9\u4f60\u65e0\u8bba\u5728\u54ea\u91cc\u90fd\u53ef\u4ee5\u8bbf\u95ee\u4f60\u7684\u8d44\u91d1\uff1f\u4f60\u53ef\u4ee5\u901a\u8fc7\u4f60\u7684\u8d26\u6237\u8f6c\u8d26\u652f\u4ed8\u8d26\u5355\uff0c\u5982\u79df\u91d1\u548c\u516c\u7528\u4e8b\u4e1a\u8d39\u7528\u5417\uff1f\u4e00\u4e9b\u672c\u5730\u94f6\u884c\u548c\u4fe1\u7528\u5408\u4f5c\u793e\u53ef\u80fd\u76f8\u6bd4\u5168\u7403\u94f6\u884c\u673a\u6784\u6709\u66f4\u591a\u7684\u9650\u5236\u3002\u786e\u4fdd\u4f60\u5728\u9700\u8981\u7684\u65f6\u5019\u80fd\u591f\u8bbf\u95ee\u4f60\u7684\u8d44\u91d1\uff0c\u800c\u4e0d\u4ec5\u4ec5\u662f\u5f53\u5730\u94f6\u884c\u5206\u884c\u5f00\u653e\u7684\u65f6\u5019\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u4f18\u60e0\u548c\u8d39\u7528\uff1a<\/b><span style=\"font-weight: 400;\">\u4e00\u4e9b\u94f6\u884c\u5bf9\u7535\u6c47\u6536\u8d39\uff0c\u5bf9\u56fd\u9645\u7535\u6c47\u7684\u6536\u8d39\u751a\u81f3\u66f4\u9ad8 &#8211; \u4e00\u4e9b\u53ef\u80fd\u4f1a\u5bf9\u5916\u5e01\u5151\u6362\u6536\u8d39\u3002\u8fd9\u4e9b\u8d39\u7528\u53ef\u80fd\u4f1a\u6839\u636e\u4f60\u5f00\u8bbe\u7684\u8d26\u6237\u800c\u53d8\u5316\uff0c\u6240\u4ee5\u5982\u679c\u4f60\u6b63\u5728\u770b\u7684\u94f6\u884c\u6709\u591a\u4e2a\u8d26\u6237\uff0c\u786e\u4fdd\u5728\u6bcf\u4e2a\u673a\u6784\u5185\u90e8\u8fdb\u884c\u6bd4\u8f83\uff0c\u56e0\u4e3a\u4e00\u4e9b\u8d26\u6237\u53ef\u80fd\u4f1a\u9762\u4e34\u5176\u4ed6\u8d26\u6237\u4e0d\u4f1a\u7684\u8d39\u7528\u3002<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u4f60\u53ef\u4ee5\u5411\u6821\u56ed\u5185\u7684\u5176\u4ed6\u56fd\u9645\u5b66\u751f\u6216\u56fd\u9645\u5b66\u751f\u529e\u516c\u5ba4\u8be2\u95ee\u4ed6\u4eec\u4f7f\u7528\u6216\u5efa\u8bae\u7684\u94f6\u884c\uff0c\u4ee5\u4fbf\u4f60\u9700\u8981\u4e00\u4e9b\u53c2\u8003\u3002\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. \u9009\u62e9\u6700\u9002\u5408\u4f60\u7684\u8d26\u6237<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u901a\u5e38\u6709\u4e24\u79cd\u7c7b\u578b\u7684\u8d26\u6237\u53ef\u4f9b\u9009\u62e9\uff1a\u652f\u7968\u8d26\u6237\u548c\u50a8\u84c4\u8d26\u6237\u3002\u50a8\u84c4\u8d26\u6237\u7684\u76ee\u7684\u662f\u8d5a\u53d6\u4e00\u70b9\u5229\u606f\uff0c\u901a\u5e38\u4e0d\u7528\u4e8e\u8fdb\u884c\u5927\u91cf\u4ea4\u6613\u3002\u5982\u679c\u4f60\u53ea\u6709\u51e0\u4e2a\u8d26\u5355\uff0c\u60f3\u8981\u5728\u4e0d\u9891\u7e41\u53d6\u6b3e\u7684\u60c5\u51b5\u4e0b\u4fdd\u62a4\u4f60\u7684\u94b1\uff0c\u90a3\u4e48\u4f60\u53ef\u80fd\u9700\u8981\u8fd9\u6837\u7684\u8d26\u6237\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u652f\u7968\u8d26\u6237\u8ba9\u4f60\u53ef\u4ee5\u968f\u65f6\u4eceATM\u53d6\u6b3e\uff0c\u4ee5\u53ca\u4f7f\u7528\u4f60\u7684\u501f\u8bb0\u5361\u8fdb\u884c\u4ed8\u6b3e\uff0c\u7c7b\u4f3c\u4e8e\u4fe1\u7528\u5361\u7684\u5de5\u4f5c\u65b9\u5f0f\u3002\u4f60\u901a\u5e38\u53ef\u4ee5\u8bbe\u7f6e\u76f4\u63a5\u5b58\u6b3e\u5230\u8fd9\u4e2a\u8d26\u6237\uff0c\u6240\u4ee5\u5982\u679c\u4f60\u6709\u5de5\u4f5c\uff0c\u4f60\u7684\u5de5\u8d44\u4f1a\u76f4\u63a5\u5b58\u5165\u4f60\u7684\u652f\u7968\u8d26\u6237\u3002\u4f60\u4e5f\u53ef\u4ee5\u8bbe\u7f6e\u81ea\u52a8\u652f\u4ed8\uff0c\u8fd9\u610f\u5473\u7740\u4f60\u53ef\u4ee5\u5728\u6bcf\u4e2a\u6708\u7684\u540c\u4e00\u65f6\u95f4\u81ea\u52a8\u652f\u4ed8\u8d26\u5355\uff0c\u800c\u4e0d\u4f1a\u843d\u540e\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u6839\u636e\u4f60\u5f00\u8bbe\u8d26\u6237\u7684\u5730\u65b9\uff0c\u4f60\u53ef\u80fd\u4f1a\u9762\u4e34\u4e00\u4e9b\u9650\u5236\u3002\u4f8b\u5982\uff0c\u4f60\u53ef\u80fd\u9700\u8981\u5728\u4f60\u7684\u8d26\u6237\u4e2d\u6bcf\u6708\u4fdd\u6301\u4e00\u5b9a\u7684\u6700\u4f4e\u91d1\u989d\uff0c\u5426\u5219\u4f60\u53ef\u80fd\u4f1a\u88ab\u6536\u53d6\u8d39\u7528\u3002\u5bf9\u4e8e\u652f\u7968\u8d26\u6237\uff0c\u5982\u679c\u4f60\u6709\u76f4\u63a5\u5b58\u6b3e\uff0c\u901a\u5e38\u53ef\u4ee5\u907f\u514d\u8d39\u7528\uff0c\u4f46\u5e76\u975e\u6bcf\u4e2a\u8d26\u6237\u6301\u6709\u4eba\u90fd\u6709\u8fd9\u4e2a\u9009\u9879\u3002\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. \u51c6\u5907\u4f60\u7684\u6587\u4ef6<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u4e00\u822c\u6765\u8bf4\uff0c\u4f60\u9700\u8981\uff1a<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u6709\u6548\u7684\u62a4\u7167<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u53e6\u4e00\u79cd\u5f62\u5f0f\u7684\u8eab\u4efd\u8bc1\u660e\uff0c\u5982\u4f60\u7684\u5b66\u751f\u8bc1\u3001\u4fe1\u7528\u5361\u6216\u4f60\u56fd\u5bb6\u7684\u9a7e\u9a76\u6267\u7167<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u7f8e\u56fd\u4f4f\u5740\u8bc1\u660e\uff08\u4f60\u9700\u8981\u4e00\u4e2a\u663e\u793a\u4f60\u7684\u6821\u56ed\u5730\u5740\u6216\u6821\u5916\u516c\u5bd3\u6216\u4f4f\u623f\u7684\u8d26\u5355\u6216\u6cd5\u5f8b\u534f\u8bae\uff09<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">I-20\u8868\u683c\u6216DS-2019<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">I-94\u5165\u5883\/\u51fa\u5883\u8bb0\u5f55<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u8bf7\u8bb0\u4f4f\uff0c\u6240\u6709\u7684\u94f6\u884c\u673a\u6784\u5728\u8981\u6c42\u4e0a\u90fd\u6709\u4e9b\u8bb8\u5dee\u5f02\u3002\u6240\u4ee5\uff0c\u5728\u53bb\u5206\u884c\u5f00\u8bbe\u8d26\u6237\u4e4b\u524d\uff0c\u786e\u4fdd\u4f60\u4e86\u89e3\u4f60\u9700\u8981\u4ec0\u4e48\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">4. \u5f00\u8bbe\u4f60\u7684\u8d26\u6237<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u6709\u4e9b\u94f6\u884c\u53ea\u5728\u7f51\u4e0a\u8fd0\u8425\uff0c\u56e0\u6b64\u5f00\u6237\u7684\u552f\u4e00\u65b9\u5f0f\u5c31\u662f\u901a\u8fc7\u94f6\u884c\u7684\u7f51\u7ad9\u6216\u79fb\u52a8\u5e94\u7528\u7a0b\u5e8f\u3002\u5176\u4ed6\u673a\u6784\u5141\u8bb8\u5728\u7ebf\u548c\u4eb2\u81ea\u5f00\u6237\u3002\u6709\u4e9b\u53ef\u80fd\u8981\u6c42\u4f60\u4eb2\u81ea\u6765\u5f00\u8bbe\u4f60\u7684\u8d26\u6237\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4e00\u65e6\u4f60\u6709\u4e86\u6240\u6709\u7684\u6587\u4ef6\u548c\u6240\u9700\u7684\u6700\u4f4e\u5b58\u6b3e\uff0c\u4f60\u5c31\u53ef\u4ee5\u5f00\u8bbe\u4f60\u7684\u8d26\u6237\u3002\u5728\u4f60\u586b\u5199\u4fe1\u606f\u548c\u9644\u4e0a\u4efb\u4f55\u6240\u9700\u6587\u4ef6\u7684\u8fc7\u7a0b\u4e2d\uff0c\u4f60\u4f1a\u5f97\u5230\u63d0\u793a\u3002\u5982\u679c\u4f60\u5728\u7f51\u4e0a\u5f00\u8bbe\u4f60\u7684\u8d26\u6237\uff0c\u4f60\u53ef\u4ee5\u53d1\u8d77\u7535\u6c47\u6765\u5c06\u4f60\u7684\u8d44\u91d1\u8f6c\u79fb\u5230\u4f60\u7684\u65b0\u8d26\u6237\uff0c\u4f46\u8bf7\u8bb0\u4f4f\uff0c\u56fd\u9645\u7535\u6c47\u53ef\u80fd\u4f1a\u9644\u5e26\u989d\u5916\u7684\u8d39\u7528\u3002\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u4e3a\u56fd\u9645\u5b66\u751f\u63d0\u4f9b\u8d26\u6237\u7684\u94f6\u884c<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u5e76\u975e\u6240\u6709\u94f6\u884c\u90fd\u4e3a\u56fd\u9645\u5b66\u751f\u63d0\u4f9b\u8d26\u6237\u3002\u4f46\u6709\u8bb8\u591a\u5927\u94f6\u884c\u4e3a\u5728\u7f8e\u56fd\u5b66\u4e60\u5e76\u9700\u8981\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\u7684\u4eba\u63d0\u4f9b\u8d26\u6237\u3002\u4ee5\u4e0b\u662f\u5176\u4e2d\u7684\u4e00\u4e9b\uff1a<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u7f8e\u56fd\u94f6\u884c:<\/b><span style=\"font-weight: 400;\"> <\/span><a href=\"https:\/\/www.bankofamerica.com\/student-banking\/\"><span style=\"font-weight: 400;\">\u7f8e\u56fd\u94f6\u884cAdvantage SafeBalance Banking<\/span><\/a><span style=\"font-weight: 400;\"> \u8d26\u6237\u5bf925\u5c81\u53ca\u4ee5\u4e0b\u7684\u5b66\u751f\u4e0d\u6536\u53d6\u6bcf\u6708\u7ef4\u62a4\u8d39\u3002\u4e5f\u6ca1\u6709\u900f\u652f\u8d39\u7528\uff0c\u5982\u679c\u4f60\u6709\u7f8e\u56fd\u7b7e\u8bc1\uff0c\u4f60\u6709\u8d44\u683c\u5f00\u8bbe\u6b64\u8d26\u6237\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u5bcc\u56fd\u94f6\u884c: <\/b><span style=\"font-weight: 400;\"> <\/span><a href=\"https:\/\/www.wellsfargo.com\/checking\/student\/\"><span style=\"font-weight: 400;\">\u5bcc\u56fd\u94f6\u884cEveryday Checking\u8d26\u6237<\/span><\/a><span style=\"font-weight: 400;\"> \u5bf9\u5b66\u751f\u8981\u6c4225\u7f8e\u5143\u7684\u5f00\u6237\u5b58\u6b3e\uff0c\u5e76\u4e14\u53ea\u8981\u5b66\u751f\u662f\u4e3b\u8981\u8d26\u6237\u6301\u6709\u4eba\u5c31\u4e0d\u6536\u53d6\u6bcf\u6708\u670d\u52a1\u8d39\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>PNC\u94f6\u884c: <\/b><span style=\"font-weight: 400;\">PNC\u94f6\u884c\u8981\u6c42\u56fd\u9645\u5b66\u751f\u5728<\/span><a href=\"https:\/\/www.pnc.com\/en\/personal-banking\/banking\/international-students.html\"><span style=\"font-weight: 400;\">\u5168\u56fd60,000\u4e2a\u5206\u884c\u4e2d\u7684\u4e00\u4e2a\u5f00\u6237<\/span><\/a><span style=\"font-weight: 400;\">\u3002\u4f60\u9700\u8981\u81f3\u5c11\u4e24\u79cd\u8eab\u4efd\u8bc1\u660e\u624d\u80fd\u5f00\u59cb\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Chase Bank: <\/b><span style=\"font-weight: 400;\">\u60a8\u53ef\u4ee5<\/span><a href=\"https:\/\/www.chase.com\/personal\/checking\/student-checking?jp_cmp=rb\/student_managefirstaccount\/ext\/na\/top\"><span style=\"font-weight: 400;\">\u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\u5f00\u8bbe\u60a8\u7684\u8d26\u6237<\/span><\/a><span style=\"font-weight: 400;\">\uff0c\u53ea\u8981\u60a8\u6709\u4e3b\u8981\u7684\u8eab\u4efd\u8bc1\u660e\uff0c\u6b21\u8981\u7684\u8eab\u4efd\u8bc1\u660e\uff0c\u4ee5\u53ca\u60a8\u7684\u5927\u5b66\u6216\u5927\u5b66\u72b6\u6001\u7684\u8bc1\u660e\uff08\u5982\u6210\u7ee9\u5355\u6216\u5f55\u53d6\u901a\u77e5\u4e66\uff09\u3002\u56fd\u9645\u5b66\u751f\u9700\u8981\u8bbf\u95eeChase\u5206\u884c\u4ee5\u5f00\u8bbe\u8d26\u6237\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Capital One:<\/b><span style=\"font-weight: 400;\"><\/span><a href=\"https:\/\/www.capitalone.com\/bank\/checking-accounts\/online-checking-account\/\"><span style=\"font-weight: 400;\">Capital One 360\u652f\u7968\u8d26\u6237<\/span><\/a><span style=\"font-weight: 400;\">\u5e76\u975e\u4e13\u4e3a\u5b66\u751f\u8bbe\u8ba1\uff0c\u4f46\u5bf9\u56fd\u9645\u5b66\u751f\u5f00\u653e\u3002\u5bf9\u4e8e\u975e\u7f8e\u56fd\u516c\u6c11\uff0c\u53ea\u8981\u60a8\u6709\u4e2a\u4eba\u7eb3\u7a0e\u4eba\u8bc6\u522b\u53f7\uff08\u5982\u679c\u60a8\u6ca1\u6709\u793e\u4f1a\u4fdd\u969c\u53f7\u7801\uff09\uff0c\u5c31\u53ef\u4ee5\u5f00\u8bbe\u4e00\u4e2a\u3002\u5982\u679c\u60a8\u6ca1\u6709\uff0c\u53ef\u4ee5\u8be2\u95ee\u94f6\u884c\u662f\u5426\u4f1a\u63a5\u53d7\u62a4\u7167\u53f7\u7801\u6216\u5176\u4ed6\u5f62\u5f0f\u7684\u8eab\u4efd\u8bc1\u660e\u6765\u66ff\u4ee3\u3002<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u60a8\u53ef\u80fd\u4f1a\u53d1\u73b0\u5176\u4ed6\u94f6\u884c &#8211; \u65e0\u8bba\u662f\u5728\u7ebf\u8fd8\u662f\u4eb2\u81ea &#8211; \u6b22\u8fce\u56fd\u9645\u5b66\u751f\u4f5c\u4e3a\u5ba2\u6237\u3002\u5728\u7b7e\u7ea6\u4e4b\u524d\uff0c\u8bf7\u786e\u4fdd\u60a8\u6709\u8d44\u683c\u5e76\u62e5\u6709\u6240\u6709\u5fc5\u8981\u7684\u6587\u4ef6\u3002\u5c3d\u5feb\u5b8c\u6210\u8fd9\u9879\u5de5\u4f5c\uff0c\u4ee5\u9632\u6709\u4efb\u4f55\u5ef6\u8bef\u3002\u94f6\u884c\u53ef\u80fd\u9700\u8981\u4e00\u4e9b\u65f6\u95f4\u6765\u5904\u7406\u60a8\u7684\u6587\u4ef6\uff0c\u60a8\u53ef\u80fd\u9700\u8981\u63d0\u4f9b\u989d\u5916\u7684\u6587\u4ef6\u8fdb\u884c\u9a8c\u8bc1\uff0c\u800c\u60a8\u7684\u7b2c\u4e00\u7b14\u5b58\u6b3e\u53ef\u80fd\u9700\u8981\u4e00\u4e9b\u65f6\u95f4\u624d\u80fd\u6e05\u7b97\u60a8\u7684\u65b0\u8d26\u6237\u3002<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u7f8e\u56fd\uff0c\u8fd182%\u7684\u5bb6\u5ead\u62e5\u6709\u94f6\u884c\u8d26\u6237\uff0c\u6839\u636eFDIC\u7684\u6570\u636e\u3002\u5982\u679c\u4f60\u8ba1\u5212\u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\u5728\u7f8e\u56fd\u5b66\u4e60\uff0c\u90a3\u4e48\u4e3a\u81ea\u5df1\u5f00\u8bbe\u4e00\u4e2a\u8d26\u6237\u662f\u4e2a\u597d\u4e3b\u610f\u3002 \u91cd\u8981\u7684\u662f\u8981\u8bb0\u4f4f\uff0c\u4e0d\u662f\u6240\u6709\u7684\u91d1\u878d\u673a\u6784\u90fd\u4e3a\u56fd\u9645\u5b66\u751f\u6216\u8bbf\u5ba2\u63d0\u4f9b\u94f6\u884c\u8d26\u6237\u3002\u5728\u7f8e\u56fd\u63a2\u7d22\u94f6\u884c\u4e1a\u52a1\u7684\u673a\u4f1a\u65f6\uff0c\u8bf7\u8bb0\u4f4f\u8fd9\u4e00\u70b9\u3002 1. \u627e\u5230\u5408\u9002\u7684\u94f6\u884c \u5bf9\u4f60\u6765\u8bf4\uff0c\u5408\u9002\u7684\u94f6\u884c\u8d26\u6237\u53d6\u51b3\u4e8e\u4f60\u7684\u9700\u6c42\u3002\u6839\u636e\u4ee5\u4e0b\u56e0\u7d20\u8bc4\u4f30\u4e0d\u540c\u7684\u94f6\u884c\uff1a \u5730\u70b9\uff1a\u662f\u5426\u6709\u4e00\u4e2a\u79bb\u6821\u56ed\u8fd1\u7684\u5206\u884c\uff0c\u4f60\u53ef\u4ee5\u5f88\u5bb9\u6613\u5730\u5230\u8fbe\uff0c\u6bd4\u5982\u6b65\u884c\u3001\u9a91\u81ea\u884c\u8f66\u6216\u4e58\u516c\u5171\u4ea4\u901a\uff1f\u4e00\u4e9b\u94f6\u884c\u5728\u6821\u56ed\u5185\uff0c\u5bf9\u5b66\u751f\u6765\u8bf4\u662f\u4e00\u4e2a\u65b9\u4fbf\u7684\u9009\u62e9\u3002\u00a0 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\u4e00\u4e9b\u53ef\u80fd\u4f1a\u5bf9\u5916\u5e01\u5151\u6362\u6536\u8d39\u3002\u8fd9\u4e9b\u8d39\u7528\u53ef\u80fd\u4f1a\u6839\u636e\u4f60\u5f00\u8bbe\u7684\u8d26\u6237\u800c\u53d8\u5316\uff0c\u6240\u4ee5\u5982\u679c\u4f60\u6b63\u5728\u770b\u7684\u94f6\u884c\u6709\u591a\u4e2a\u8d26\u6237\uff0c\u786e\u4fdd\u5728\u6bcf\u4e2a\u673a\u6784\u5185\u90e8\u8fdb\u884c\u6bd4\u8f83\uff0c\u56e0\u4e3a\u4e00\u4e9b\u8d26\u6237\u53ef\u80fd\u4f1a\u9762\u4e34\u5176\u4ed6\u8d26\u6237\u4e0d\u4f1a\u7684\u8d39\u7528\u3002 \u4f60\u53ef\u4ee5\u5411\u6821\u56ed\u5185\u7684\u5176\u4ed6\u56fd\u9645\u5b66\u751f\u6216\u56fd\u9645\u5b66\u751f\u529e\u516c\u5ba4\u8be2\u95ee\u4ed6\u4eec\u4f7f\u7528\u6216\u5efa\u8bae\u7684\u94f6\u884c\uff0c\u4ee5\u4fbf\u4f60\u9700\u8981\u4e00\u4e9b\u53c2\u8003\u3002\u00a0 2. \u9009\u62e9\u6700\u9002\u5408\u4f60\u7684\u8d26\u6237 \u901a\u5e38\u6709\u4e24\u79cd\u7c7b\u578b\u7684\u8d26\u6237\u53ef\u4f9b\u9009\u62e9\uff1a\u652f\u7968\u8d26\u6237\u548c\u50a8\u84c4\u8d26\u6237\u3002\u50a8\u84c4\u8d26\u6237\u7684\u76ee\u7684\u662f\u8d5a\u53d6\u4e00\u70b9\u5229\u606f\uff0c\u901a\u5e38\u4e0d\u7528\u4e8e\u8fdb\u884c\u5927\u91cf\u4ea4\u6613\u3002\u5982\u679c\u4f60\u53ea\u6709\u51e0\u4e2a\u8d26\u5355\uff0c\u60f3\u8981\u5728\u4e0d\u9891\u7e41\u53d6\u6b3e\u7684\u60c5\u51b5\u4e0b\u4fdd\u62a4\u4f60\u7684\u94b1\uff0c\u90a3\u4e48\u4f60\u53ef\u80fd\u9700\u8981\u8fd9\u6837\u7684\u8d26\u6237\u3002 \u652f\u7968\u8d26\u6237\u8ba9\u4f60\u53ef\u4ee5\u968f\u65f6\u4eceATM\u53d6\u6b3e\uff0c\u4ee5\u53ca\u4f7f\u7528\u4f60\u7684\u501f\u8bb0\u5361\u8fdb\u884c\u4ed8\u6b3e\uff0c\u7c7b\u4f3c\u4e8e\u4fe1\u7528\u5361\u7684\u5de5\u4f5c\u65b9\u5f0f\u3002\u4f60\u901a\u5e38\u53ef\u4ee5\u8bbe\u7f6e\u76f4\u63a5\u5b58\u6b3e\u5230\u8fd9\u4e2a\u8d26\u6237\uff0c\u6240\u4ee5\u5982\u679c\u4f60\u6709\u5de5\u4f5c\uff0c\u4f60\u7684\u5de5\u8d44\u4f1a\u76f4\u63a5\u5b58\u5165\u4f60\u7684\u652f\u7968\u8d26\u6237\u3002\u4f60\u4e5f\u53ef\u4ee5\u8bbe\u7f6e\u81ea\u52a8\u652f\u4ed8\uff0c\u8fd9\u610f\u5473\u7740\u4f60\u53ef\u4ee5\u5728\u6bcf\u4e2a\u6708\u7684\u540c\u4e00\u65f6\u95f4\u81ea\u52a8\u652f\u4ed8\u8d26\u5355\uff0c\u800c\u4e0d\u4f1a\u843d\u540e\u3002 \u6839\u636e\u4f60\u5f00\u8bbe\u8d26\u6237\u7684\u5730\u65b9\uff0c\u4f60\u53ef\u80fd\u4f1a\u9762\u4e34\u4e00\u4e9b\u9650\u5236\u3002\u4f8b\u5982\uff0c\u4f60\u53ef\u80fd\u9700\u8981\u5728\u4f60\u7684\u8d26\u6237\u4e2d\u6bcf\u6708\u4fdd\u6301\u4e00\u5b9a\u7684\u6700\u4f4e\u91d1\u989d\uff0c\u5426\u5219\u4f60\u53ef\u80fd\u4f1a\u88ab\u6536\u53d6\u8d39\u7528\u3002\u5bf9\u4e8e\u652f\u7968\u8d26\u6237\uff0c\u5982\u679c\u4f60\u6709\u76f4\u63a5\u5b58\u6b3e\uff0c\u901a\u5e38\u53ef\u4ee5\u907f\u514d\u8d39\u7528\uff0c\u4f46\u5e76\u975e\u6bcf\u4e2a\u8d26\u6237\u6301\u6709\u4eba\u90fd\u6709\u8fd9\u4e2a\u9009\u9879\u3002\u00a0 3. \u51c6\u5907\u4f60\u7684\u6587\u4ef6 \u4e00\u822c\u6765\u8bf4\uff0c\u4f60\u9700\u8981\uff1a \u6709\u6548\u7684\u62a4\u7167 \u53e6\u4e00\u79cd\u5f62\u5f0f\u7684\u8eab\u4efd\u8bc1\u660e\uff0c\u5982\u4f60\u7684\u5b66\u751f\u8bc1\u3001\u4fe1\u7528\u5361\u6216\u4f60\u56fd\u5bb6\u7684\u9a7e\u9a76\u6267\u7167 \u7f8e\u56fd\u4f4f\u5740\u8bc1\u660e\uff08\u4f60\u9700\u8981\u4e00\u4e2a\u663e\u793a\u4f60\u7684\u6821\u56ed\u5730\u5740\u6216\u6821\u5916\u516c\u5bd3\u6216\u4f4f\u623f\u7684\u8d26\u5355\u6216\u6cd5\u5f8b\u534f\u8bae\uff09 I-20\u8868\u683c\u6216DS-2019 I-94\u5165\u5883\/\u51fa\u5883\u8bb0\u5f55 \u8bf7\u8bb0\u4f4f\uff0c\u6240\u6709\u7684\u94f6\u884c\u673a\u6784\u5728\u8981\u6c42\u4e0a\u90fd\u6709\u4e9b\u8bb8\u5dee\u5f02\u3002\u6240\u4ee5\uff0c\u5728\u53bb\u5206\u884c\u5f00\u8bbe\u8d26\u6237\u4e4b\u524d\uff0c\u786e\u4fdd\u4f60\u4e86\u89e3\u4f60\u9700\u8981\u4ec0\u4e48\u3002 4. \u5f00\u8bbe\u4f60\u7684\u8d26\u6237 \u6709\u4e9b\u94f6\u884c\u53ea\u5728\u7f51\u4e0a\u8fd0\u8425\uff0c\u56e0\u6b64\u5f00\u6237\u7684\u552f\u4e00\u65b9\u5f0f\u5c31\u662f\u901a\u8fc7\u94f6\u884c\u7684\u7f51\u7ad9\u6216\u79fb\u52a8\u5e94\u7528\u7a0b\u5e8f\u3002\u5176\u4ed6\u673a\u6784\u5141\u8bb8\u5728\u7ebf\u548c\u4eb2\u81ea\u5f00\u6237\u3002\u6709\u4e9b\u53ef\u80fd\u8981\u6c42\u4f60\u4eb2\u81ea\u6765\u5f00\u8bbe\u4f60\u7684\u8d26\u6237\u3002 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