{"id":408961,"date":"2026-02-08T17:42:47","date_gmt":"2026-02-08T09:42:47","guid":{"rendered":"https:\/\/pingtungtimes.com.tw\/?p=408961"},"modified":"2026-02-08T17:42:47","modified_gmt":"2026-02-08T09:42:47","slug":"%e7%82%ba%e4%bb%80%e9%ba%bc%e8%81%bd%e9%81%8e%e5%be%88%e5%a4%9a%e7%90%86%e8%b2%a1%e5%bb%ba%e8%ad%b0%ef%bc%8c%e5%8d%bb%e4%b8%80%e5%80%8b%e9%83%bd%e5%81%9a%e4%b8%8d%e5%88%b0%ef%bc%9f%ef%bd%9c%e7%90%86","status":"publish","type":"post","link":"https:\/\/pingtungtimes.com.tw\/?p=408961","title":{"rendered":"\u70ba\u4ec0\u9ebc\u807d\u904e\u5f88\u591a\u7406\u8ca1\u5efa\u8b70\uff0c\u537b\u4e00\u500b\u90fd\u505a\u4e0d\u5230\uff1f\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP4"},"content":{"rendered":"<div>\n<p><a href=\"https:\/\/more-news.tw\/\">\u58a8\u65b0\u805e<\/a>\uff5c\u8a18\u8005\u5a01\u91d1\uff0f\u53f0\u5317\u5831\u5c0e<\/p>\n<\/p>\n<h2>\u5728 CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e0b\uff0c\u5f9e\u300c\u6709\u6548\u6e9d\u901a\u300d\u8207\u300c\u884c\u70ba\u504f\u8aa4\u300d\u7406\u89e3\u77e5\u9053\u8207\u505a\u5230\u4e4b\u9593\u7684\u843d\u5dee | IF \u7406\u8ca1\u5546\u5b78\u9662<\/h2>\n<p><a href=\"https:\/\/if-intl.com\/%E9%99%B3%E7%B4%80%E8%B1%AA-joseph\/\" target=\"_blank\" rel=\"noopener\"><strong>\u4f5c\u8005\uff5c\u9673\u7d00\u8c6a<\/strong><\/a><br \/>\n<strong><a href=\"https:\/\/if-intl.com\/\" target=\"_blank\" rel=\"noopener\">IF \u7406\u8ca1\u5546\u5b78\u9662<\/a>\uff5cFinQ Academy \u7e3d\u7d93\u7406<\/strong><\/p>\n<p>\u524d\u8a00\uff1a\u5ef6\u7e8c\u524d\u4e00\u7bc7\u5c0d\u9000\u4f11\u7126\u616e\u7684\u8a0e\u8ad6\uff0c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u6307\u51fa\uff0c\u8a31\u591a\u770b\u4f3c\u300c\u7406\u6027\u5145\u5206\u300d\u7684\u6c7a\u7b56\u5361\u95dc\uff0c\u4e26\u975e\u51fa\u5728\u8cc7\u8a0a\u4e0d\u8db3\uff0c\u800c\u662f\u51fa\u5728<strong>\u884c\u70ba\u7121\u6cd5\u88ab\u652f\u6301<\/strong>\u3002<\/p>\n<p>\u5728 CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e2d\uff0c\u7406\u8ca1\u898f\u5283\u7684\u89d2\u8272\u4e0d\u53ea\u662f\u52a9\u4eba\u7406\u89e3\u9078\u9805\uff0c\u66f4\u662f\u5728\u4e0d\u540c\u6c7a\u7b56\u60c5\u5883\u4e0b\uff0c\u63d0\u4f9b\u7d50\u69cb\u5316\u7684\u300c\u6c7a\u7b56\u652f\u6301\uff08<strong>Decision Support<\/strong>\uff09\u300d\u3002\u7576\u9019\u5c64\u652f\u6301\u4e0d\u8db3\u6642\uff0c\u5373\u4f7f\u65b9\u5411\u6b63\u78ba\uff0c\u884c\u52d5\u4ecd\u53ef\u80fd\u53cd\u8986\u5ef6\u5b95\u3001\u505c\u6eef\uff0c\u751a\u81f3\u53cd\u5411\u767c\u751f\u3002<\/p>\n<p>\u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u4e2d\uff0c<strong>Effective Communication<\/strong><strong>\uff08\u6709\u6548\u6e9d\u901a\uff09<\/strong> \u8207 <strong>Behavioral Biases<\/strong><strong>\uff08\u884c\u70ba\u504f\u8aa4\uff09<\/strong>\u5f80\u5f80\u540c\u6642\u5f71\u97ff\u884c\u70ba\u7d50\u679c\uff1b\u7576\u6e9d\u901a\u53ea\u505c\u7559\u5728\u7406\u89e3\u5c64\u6b21\uff0c\u884c\u70ba\u504f\u8aa4\u4fbf\u5bb9\u6613\u4e3b\u5c0e\u5be6\u969b\u9078\u64c7\u3002\u4e0d\u5c11\u4eba\u660e\u660e\u807d\u61c2\u4e86\u5efa\u8b70\uff0c\u4e5f\u8a8d\u540c\u65b9\u5411\uff0c\u537b\u5728\u95dc\u9375\u6642\u523b\u4e00\u518d\u5ef6\u5f8c\u3001\u653e\u68c4\u6216\u53cd\u5411\u64cd\u4f5c\uff0c\u8b93\u898f\u5283\u505c\u5728\u7d19\u4e0a\u3002<\/p>\n<p>\u5ef6\u7e8c\u5c0d\u300c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u300d\u7684\u7cfb\u5217\u6574\u7406\uff0c\u672c\u7bc7\u805a\u7126\u9019\u500b\u6700\u5e38\u898b\u3001\u537b\u6700\u5bb9\u6613\u88ab\u8aa4\u89e3\u7684\u60c5\u5883\uff1a<strong>\u70ba\u4ec0\u9ebc\u300c\u7406\u89e3\u300d\u4e0d\u7b49\u65bc\u300c\u884c\u52d5\u300d\uff1f<\/strong><\/p>\n<h3>\u4e00\u3001\u6709\u6548\u6e9d\u901a Effective Communication \u70ba\u4f55\u4e0d\u8db3\u4ee5\u63a8\u52d5\u884c\u52d5<\/h3>\n<p>\u5728\u591a\u6578\u7406\u8ca1\u4e92\u52d5\u4e2d\uff0c\u6e9d\u901a\u662f\u5426\u6210\u529f\uff0c\u5e38\u88ab\u7c21\u5316\u70ba\u300c\u5c0d\u65b9\u6709\u6c92\u6709\u807d\u61c2\u300d\u3002\u7136\u800c\uff0c\u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u7684\u5236\u5ea6\u8a9e\u5883\u4e2d\uff0c<strong>Effective Communication<\/strong><strong>\uff08\u6709\u6548\u6e9d\u901a\uff09<\/strong> \u4e26\u4e0d\u53ea\u6307\u8cc7\u8a0a\u662f\u5426\u6e05\u695a\uff0c\u800c\u5728\u65bc\u662f\u5426<strong>\u652f\u6301\u884c\u52d5\u767c\u751f\u6240\u9700\u7684\u5fc3\u7406\u689d\u4ef6<\/strong>\u3002<\/p>\n<p>\u5373\u4f7f\u5efa\u8b70\u672c\u8eab\u5408\u4e4e\u908f\u8f2f\u3001\u7d50\u69cb\u5b8c\u6574\uff0c\u82e5\u672a\u4e8b\u5148\u8655\u7406\u884c\u52d5\u6642\u6703\u51fa\u73fe\u7684\u7336\u8c6b\u3001\u62d6\u5ef6\u8207\u6050\u61fc\uff0c\u7406\u89e3\u672c\u8eab\u4e26\u4e0d\u8db3\u4ee5\u4fc3\u6210\u6539\u8b8a\u3002\u9019\u4e5f\u662f\u70ba\u4ec0\u9ebc\uff0c\u6709\u4e9b\u770b\u4f3c\u5b8c\u7f8e\u7684\u8a08\u756b\uff0c\u6700\u7d42\u4ecd\u505c\u7559\u5728\u7d19\u4e0a\u3002<\/p>\n<p>\u5728 CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e0b\uff0c\u6e9d\u901a\u7684\u76ee\u6a19\u5f9e\u4f86\u4e0d\u662f\u300c\u8aaa\u670d\u300d\uff0c\u800c\u662f\u8b93\u6c7a\u7b56\u5728\u884c\u70ba\u5c64\u9762\u4e5f\u80fd\u6210\u7acb\u3002<\/p>\n<h3>\u4e8c\u3001\u884c\u70ba\u504f\u8aa4 Behavioral Biases \u5982\u4f55\u8b93\u884c\u52d5\u4e00\u518d\u88ab\u5ef6\u5f8c<\/h3>\n<p>\u7576\u884c\u70ba\u5373\u5c07\u767c\u751f\u6642\uff0c<strong>Behavioral Biases<\/strong><strong>\uff08\u884c\u70ba\u504f\u8aa4\uff09<\/strong>\u5f80\u5f80\u958b\u59cb\u4ecb\u5165\u3002\u4eba\u5011\u53ef\u80fd\u9ad8\u4f30\u672a\u4f86\u81ea\u5df1\u6703\u66f4\u6709\u6642\u9593\u3001\u66f4\u6709\u6e96\u5099\uff0c\u6216\u4f4e\u4f30\u73fe\u5728\u884c\u52d5\u7684\u5fc5\u8981\u6027\u3002<\/p>\n<p>\u5e38\u898b\u7684\u60c5\u6cc1\u5305\u62ec\uff1a<\/p>\n<ul>\n<li>\u660e\u77e5\u9053\u61c9\u8a72\u8abf\u6574\u914d\u7f6e\uff0c\u537b\u56e0\u5bb3\u6015\u77ed\u671f\u6ce2\u52d5\u800c\u5ef6\u5f8c\uff1b<\/li>\n<li>\u7406\u89e3\u5132\u84c4\u7684\u91cd\u8981\uff0c\u537b\u5728\u9762\u5c0d\u5373\u6642\u8a98\u60d1\u6642\u9078\u64c7\u59a5\u5354\u3002<\/li>\n<\/ul>\n<p>\u9019\u985e\u53cd\u61c9\u4e26\u975e\u7f3a\u4e4f\u610f\u5fd7\u529b\uff0c\u800c\u662f\u4eba\u985e\u5728\u4e0d\u78ba\u5b9a\u8207\u640d\u5931\u53ef\u80fd\u6027\u4e0b\u7684\u81ea\u7136\u50be\u5411\uff08\u5982\u5e38\u898b\u7684 <strong>\u73fe\u72c0\u504f\u5dee<\/strong>\uff09\u3002\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u95dc\u6ce8\u7684\uff0c\u6b63\u662f\u9019\u4e9b\u504f\u8aa4\u5982\u4f55\u5728\u300c\u6700\u5f8c\u4e00\u54e9\u8def\u300d\u626d\u66f2\u539f\u672c\u5408\u7406\u7684\u5224\u65b7\u3002<\/p>\n<h3><strong>\u4e09\u3001\u70ba\u4ec0\u9ebc\u8d8a\u6e05\u695a\u7684\u5efa\u8b70\uff0c\u6709\u6642\u53cd\u800c\u8d8a\u96e3\u57f7\u884c<\/strong><\/h3>\n<p>\u5f9e\u6c7a\u7b56\u5fc3\u7406\u7684\u89d2\u5ea6\u4f86\u770b\uff0c\u904e\u65bc\u5b8c\u6574\u3001\u4e00\u6b21\u5230\u4f4d\u7684\u5efa\u8b70\uff0c\u53cd\u800c\u53ef\u80fd\u653e\u5927\u5fc3\u7406\u8ca0\u64d4\u3002<\/p>\n<p>\u7576\u9078\u9805\u904e\u591a\u3001\u6b65\u9a5f\u904e\u65bc\u7406\u60f3\u5316\uff0c\u884c\u70ba\u504f\u8aa4\u6703\u63a8\u52d5\u4eba\u5011\u9078\u64c7\u300c\u66ab\u6642\u4e0d\u52d5\u300d\uff0c\u4ee5\u907f\u514d\u72af\u932f\u3002\u6b64\u6642\uff0c\u5373\u4f7f <strong>Effective Communication<\/strong><strong>\uff08\u6709\u6548\u6e9d\u901a\uff09<\/strong>\u5df2\u7d93\u5b8c\u6210\uff0c\u884c\u70ba\u5c64\u9762\u7684\u652f\u6301\u537b\u5c1a\u672a\u5230\u4f4d\u3002<\/p>\n<p>\u9019\u7a2e\u72c0\u614b\u5e38\u88ab\u8aa4\u5224\u70ba\u4e0d\u914d\u5408\u3001\u4e0d\u91cd\u8996\uff0c\u5be6\u969b\u4e0a\u537b\u662f\u5fc3\u7406\u6a5f\u5236\u5728\u81ea\u6211\u4fdd\u8b77\u3002<\/p>\n<h3><strong>\u56db\u3001\u884c\u70ba\u652f\u6301\uff0c\u624d\u662f\u6e9d\u901a\u7684\u4e0b\u4e00\u6b65<\/strong><\/h3>\n<p>\u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u4e2d\uff0c\u771f\u6b63\u80fd\u63a8\u52d5\u6539\u8b8a\u7684\uff0c\u4e26\u975e\u66f4\u591a\u8aaa\u660e\uff0c\u800c\u662f<strong>\u884c\u70ba\u652f\u6301\u7684\u8a2d\u8a08<\/strong>\u3002<\/p>\n<p>\u9019\u610f\u5473\u8457\uff0c\u9664\u4e86\u8aaa\u660e\u7406\u7531\uff0c\u9084\u9700\u8981\u5354\u52a9\u4e8b\u524d\u8fa8\u8b58\u884c\u52d5\u6642\u53ef\u80fd\u51fa\u73fe\u7684\u504f\u8aa4\uff0c\u4e26\u70ba\u9019\u4e9b\u60c5\u5883\u8a2d\u8a08\u7de9\u885d\u3001\u5206\u6bb5\u8207\u66ff\u4ee3\u65b9\u6848\u3002\u7576 Effective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09\u80fd\u7d0d\u5165\u5c0d Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09 \u7684\u7406\u89e3\uff0c\u884c\u52d5\u4fbf\u4e0d\u518d\u53ea\u4f9d\u8cf4\u6c7a\u5fc3\uff0c\u800c\u662f\u88ab\u7d50\u69cb\u6027\u5730\u652f\u6301\u3002<\/p>\n<p>\u9019\u6b63\u662f CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e2d\uff0c\u7406\u8ca1\u898f\u5283\u89d2\u8272\u4e0d\u53ef\u88ab\u7c21\u5316\u70ba\u300c\u5efa\u8b70\u63d0\u4f9b\u8005\u300d\u7684\u539f\u56e0\u3002<\/p>\n<h3><strong>\u4e94\u3001\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u5982\u4f55\u770b\u5f85\u300c\u505a\u4e0d\u5230\u300d<\/strong><\/h3>\n<p>\u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u7684\u8996\u89d2\u4e2d\uff0c\u300c\u505a\u4e0d\u5230\u300d\u4e26\u4e0d\u7b49\u65bc\u62d2\u7d55\u6216\u5931\u6557\u3002<\/p>\n<p>\u5b83\u66f4\u50cf\u662f\u4e00\u500b\u8a0a\u865f\uff0c\u63d0\u9192\u6211\u5011\uff1a\u5728\u7406\u89e3\u8207\u884c\u52d5\u4e4b\u9593\uff0c\u4ecd\u6709\u5c1a\u672a\u88ab\u8655\u7406\u7684\u5fc3\u7406\u74b0\u7bc0\u3002\u7576\u884c\u70ba\u504f\u8aa4\u88ab\u7d0d\u5165\u8003\u91cf\uff0c\u898f\u5283\u624d\u80fd\u5f9e\u55ae\u5411\u5efa\u8b70\uff0c\u8f49\u70ba\u771f\u6b63\u53ef\u57f7\u884c\u7684\u6c7a\u7b56\u652f\u6301\u3002<\/p>\n<p>\u66f4\u9032\u4e00\u6b65\u7684\u5167\u6db5\uff0c\u53ef\u53c3\u8003IF |\u300c<a href=\"https:\/\/if-intl.com\/the-psychology-of-financial-planning-governance\/\">\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78<\/a>\u300d\u5b9a\u7fa9\u53ca\u76f8\u95dc\u7cfb\u5217\u8aaa\u660e\u3002<\/p>\n<h3><strong>\u516d\u3001\u5ef6\u4f38\u95b1\u8b80<\/strong><\/h3>\n<p>\u672c\u7cfb\u5217\u5148\u524d\u5df2\u6574\u7406\u300c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u300d\u7684\u5b9a\u7fa9\u8207\u80cc\u666f\uff0c\u8aaa\u660e\u5176\u5982\u4f55\u88dc\u8db3\u50b3\u7d71\u4ee5\u7406\u89e3\u8207\u8a08\u7b97\u70ba\u6838\u5fc3\u7684\u7406\u8ca1\u65b9\u5f0f\uff0c\u4e26\u5354\u52a9\u8655\u7406\u884c\u70ba\u5c64\u9762\u7684\u843d\u5dee\uff0c\u4e26\u5728\u9762\u5c0d\u7406\u8ca1\u898f\u5283\u6642\u63d0\u4f9b\u66f4\u5b8c\u6574\u7684\u6c7a\u7b56\u652f\u6301\u3002<\/p>\n<ul>\n<li>Effective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09\uff1a\u300aGeneral Principles of Effective Communication\u300b\u5c0d\u61c9\u7ae0\u7bc0\uff1aChapter 11-12 (Part V)<\/li>\n<li>Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff1a\u300aUnderstanding Your Client\u2019s Financial Behaviors\u300b\u5c0d\u61c9\u7ae0\u7bc0\uff1aChapter 2 &amp; 5<\/li>\n<li><a href=\"https:\/\/if-intl.com\/psychology-of-financial-planning-ep1-money-conflict\/\">\u592b\u59bb\u70ba\u4ec0\u9ebc\u7e3d\u5728\u7406\u8ca1\u4e0a\u5435\u67b6\uff1f\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP1<\/a><\/li>\n<li><a href=\"https:\/\/if-intl.com\/psychology-of-financial-planning-ep2-investment-anxiety\/\">\u6295\u8cc7\u6c92\u6709\u8667\u9322\uff0c\u70ba\u4ec0\u9ebc\u9084\u662f\u7761\u4e0d\u597d\uff1f | \u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP2<\/a><\/li>\n<li><a href=\"https:\/\/if-intl.com\/the-psychology-of-financial-planning-retirement-anxiety-client-decision-making\/\">\u9000\u4f11\u771f\u6b63\u8b93\u4eba\u7126\u616e\u7684\uff0c\u5f80\u5f80\u4e0d\u662f\u9322\u4e0d\u5920\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP3<\/a><\/li>\n<\/ul>\n<p>\u6b64\u7bc7\u6587\u7ae0\u6700\u958b\u59cb\u51fa\u8655\u70ba: <a href=\"https:\/\/more-news.tw\/524879\/\">\u70ba\u4ec0\u9ebc\u807d\u904e\u5f88\u591a\u7406\u8ca1\u5efa\u8b70\uff0c\u537b\u4e00\u500b\u90fd\u505a\u4e0d\u5230\uff1f\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP4<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u58a8\u65b0\u805e\uff5c\u8a18\u8005\u5a01\u91d1\uff0f\u53f0\u5317\u5831\u5c0e \u5728&#8230;<\/p>\n","protected":false},"author":24,"featured_media":408962,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[48688],"tags":[],"class_list":["post-408961","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-more-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u70ba\u4ec0\u9ebc\u807d\u904e\u5f88\u591a\u7406\u8ca1\u5efa\u8b70\uff0c\u537b\u4e00\u500b\u90fd\u505a\u4e0d\u5230\uff1f\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP4 - \u5c4f\u6771\u6642\u5831\u96fb\u5b50\u5831<\/title>\n<meta name=\"description\" content=\"\u58a8\u65b0\u805e\uff5c\u8a18\u8005\u5a01\u91d1\uff0f\u53f0\u5317\u5831\u5c0e\u5728 CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e0b\uff0c\u5f9e\u300c\u6709\u6548\u6e9d\u901a\u300d\u8207\u300c\u884c\u70ba\u504f\u8aa4\u300d\u7406\u89e3\u77e5\u9053\u8207\u505a\u5230\u4e4b\u9593\u7684\u843d\u5dee | IF \u7406\u8ca1\u5546\u5b78\u9662 \u4f5c\u8005\uff5c\u9673\u7d00\u8c6a IF \u7406\u8ca1\u5546\u5b78\u9662\uff5cFinQ Academy \u7e3d\u7d93\u7406 \u524d\u8a00\uff1a\u5ef6\u7e8c\u524d\u4e00\u7bc7\u5c0d\u9000\u4f11\u7126\u616e\u7684\u8a0e\u8ad6\uff0c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u6307\u51fa\uff0c\u8a31\u591a\u770b\u4f3c\u300c\u7406\u6027\u5145\u5206\u300d\u7684\u6c7a\u7b56\u5361\u95dc\uff0c\u4e26\u975e\u51fa\u5728\u8cc7\u8a0a\u4e0d\u8db3\uff0c\u800c\u662f\u51fa\u5728\u884c\u70ba\u7121\u6cd5\u88ab\u652f\u6301\u3002 \u5728 CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e2d\uff0c\u7406\u8ca1\u898f\u5283\u7684\u89d2\u8272\u4e0d\u53ea\u662f\u52a9\u4eba\u7406\u89e3\u9078\u9805\uff0c\u66f4\u662f\u5728\u4e0d\u540c\u6c7a\u7b56\u60c5\u5883\u4e0b\uff0c\u63d0\u4f9b\u7d50\u69cb\u5316\u7684\u300c\u6c7a\u7b56\u652f\u6301\uff08Decision Support\uff09\u300d\u3002\u7576\u9019\u5c64\u652f\u6301\u4e0d\u8db3\u6642\uff0c\u5373\u4f7f\u65b9\u5411\u6b63\u78ba\uff0c\u884c\u52d5\u4ecd\u53ef\u80fd\u53cd\u8986\u5ef6\u5b95\u3001\u505c\u6eef\uff0c\u751a\u81f3\u53cd\u5411\u767c\u751f\u3002 \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u4e2d\uff0cEffective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09 \u8207 Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\u5f80\u5f80\u540c\u6642\u5f71\u97ff\u884c\u70ba\u7d50\u679c\uff1b\u7576\u6e9d\u901a\u53ea\u505c\u7559\u5728\u7406\u89e3\u5c64\u6b21\uff0c\u884c\u70ba\u504f\u8aa4\u4fbf\u5bb9\u6613\u4e3b\u5c0e\u5be6\u969b\u9078\u64c7\u3002\u4e0d\u5c11\u4eba\u660e\u660e\u807d\u61c2\u4e86\u5efa\u8b70\uff0c\u4e5f\u8a8d\u540c\u65b9\u5411\uff0c\u537b\u5728\u95dc\u9375\u6642\u523b\u4e00\u518d\u5ef6\u5f8c\u3001\u653e\u68c4\u6216\u53cd\u5411\u64cd\u4f5c\uff0c\u8b93\u898f\u5283\u505c\u5728\u7d19\u4e0a\u3002 \u5ef6\u7e8c\u5c0d\u300c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u300d\u7684\u7cfb\u5217\u6574\u7406\uff0c\u672c\u7bc7\u805a\u7126\u9019\u500b\u6700\u5e38\u898b\u3001\u537b\u6700\u5bb9\u6613\u88ab\u8aa4\u89e3\u7684\u60c5\u5883\uff1a\u70ba\u4ec0\u9ebc\u300c\u7406\u89e3\u300d\u4e0d\u7b49\u65bc\u300c\u884c\u52d5\u300d\uff1f \u4e00\u3001\u6709\u6548\u6e9d\u901a Effective Communication \u70ba\u4f55\u4e0d\u8db3\u4ee5\u63a8\u52d5\u884c\u52d5 \u5728\u591a\u6578\u7406\u8ca1\u4e92\u52d5\u4e2d\uff0c\u6e9d\u901a\u662f\u5426\u6210\u529f\uff0c\u5e38\u88ab\u7c21\u5316\u70ba\u300c\u5c0d\u65b9\u6709\u6c92\u6709\u807d\u61c2\u300d\u3002\u7136\u800c\uff0c\u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u7684\u5236\u5ea6\u8a9e\u5883\u4e2d\uff0cEffective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09 \u4e26\u4e0d\u53ea\u6307\u8cc7\u8a0a\u662f\u5426\u6e05\u695a\uff0c\u800c\u5728\u65bc\u662f\u5426\u652f\u6301\u884c\u52d5\u767c\u751f\u6240\u9700\u7684\u5fc3\u7406\u689d\u4ef6\u3002 \u5373\u4f7f\u5efa\u8b70\u672c\u8eab\u5408\u4e4e\u908f\u8f2f\u3001\u7d50\u69cb\u5b8c\u6574\uff0c\u82e5\u672a\u4e8b\u5148\u8655\u7406\u884c\u52d5\u6642\u6703\u51fa\u73fe\u7684\u7336\u8c6b\u3001\u62d6\u5ef6\u8207\u6050\u61fc\uff0c\u7406\u89e3\u672c\u8eab\u4e26\u4e0d\u8db3\u4ee5\u4fc3\u6210\u6539\u8b8a\u3002\u9019\u4e5f\u662f\u70ba\u4ec0\u9ebc\uff0c\u6709\u4e9b\u770b\u4f3c\u5b8c\u7f8e\u7684\u8a08\u756b\uff0c\u6700\u7d42\u4ecd\u505c\u7559\u5728\u7d19\u4e0a\u3002 \u5728 CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e0b\uff0c\u6e9d\u901a\u7684\u76ee\u6a19\u5f9e\u4f86\u4e0d\u662f\u300c\u8aaa\u670d\u300d\uff0c\u800c\u662f\u8b93\u6c7a\u7b56\u5728\u884c\u70ba\u5c64\u9762\u4e5f\u80fd\u6210\u7acb\u3002 \u4e8c\u3001\u884c\u70ba\u504f\u8aa4 Behavioral Biases \u5982\u4f55\u8b93\u884c\u52d5\u4e00\u518d\u88ab\u5ef6\u5f8c \u7576\u884c\u70ba\u5373\u5c07\u767c\u751f\u6642\uff0cBehavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\u5f80\u5f80\u958b\u59cb\u4ecb\u5165\u3002\u4eba\u5011\u53ef\u80fd\u9ad8\u4f30\u672a\u4f86\u81ea\u5df1\u6703\u66f4\u6709\u6642\u9593\u3001\u66f4\u6709\u6e96\u5099\uff0c\u6216\u4f4e\u4f30\u73fe\u5728\u884c\u52d5\u7684\u5fc5\u8981\u6027\u3002 \u5e38\u898b\u7684\u60c5\u6cc1\u5305\u62ec\uff1a \u660e\u77e5\u9053\u61c9\u8a72\u8abf\u6574\u914d\u7f6e\uff0c\u537b\u56e0\u5bb3\u6015\u77ed\u671f\u6ce2\u52d5\u800c\u5ef6\u5f8c\uff1b \u7406\u89e3\u5132\u84c4\u7684\u91cd\u8981\uff0c\u537b\u5728\u9762\u5c0d\u5373\u6642\u8a98\u60d1\u6642\u9078\u64c7\u59a5\u5354\u3002 \u9019\u985e\u53cd\u61c9\u4e26\u975e\u7f3a\u4e4f\u610f\u5fd7\u529b\uff0c\u800c\u662f\u4eba\u985e\u5728\u4e0d\u78ba\u5b9a\u8207\u640d\u5931\u53ef\u80fd\u6027\u4e0b\u7684\u81ea\u7136\u50be\u5411\uff08\u5982\u5e38\u898b\u7684 \u73fe\u72c0\u504f\u5dee\uff09\u3002\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u95dc\u6ce8\u7684\uff0c\u6b63\u662f\u9019\u4e9b\u504f\u8aa4\u5982\u4f55\u5728\u300c\u6700\u5f8c\u4e00\u54e9\u8def\u300d\u626d\u66f2\u539f\u672c\u5408\u7406\u7684\u5224\u65b7\u3002 \u4e09\u3001\u70ba\u4ec0\u9ebc\u8d8a\u6e05\u695a\u7684\u5efa\u8b70\uff0c\u6709\u6642\u53cd\u800c\u8d8a\u96e3\u57f7\u884c \u5f9e\u6c7a\u7b56\u5fc3\u7406\u7684\u89d2\u5ea6\u4f86\u770b\uff0c\u904e\u65bc\u5b8c\u6574\u3001\u4e00\u6b21\u5230\u4f4d\u7684\u5efa\u8b70\uff0c\u53cd\u800c\u53ef\u80fd\u653e\u5927\u5fc3\u7406\u8ca0\u64d4\u3002 \u7576\u9078\u9805\u904e\u591a\u3001\u6b65\u9a5f\u904e\u65bc\u7406\u60f3\u5316\uff0c\u884c\u70ba\u504f\u8aa4\u6703\u63a8\u52d5\u4eba\u5011\u9078\u64c7\u300c\u66ab\u6642\u4e0d\u52d5\u300d\uff0c\u4ee5\u907f\u514d\u72af\u932f\u3002\u6b64\u6642\uff0c\u5373\u4f7f Effective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09\u5df2\u7d93\u5b8c\u6210\uff0c\u884c\u70ba\u5c64\u9762\u7684\u652f\u6301\u537b\u5c1a\u672a\u5230\u4f4d\u3002 \u9019\u7a2e\u72c0\u614b\u5e38\u88ab\u8aa4\u5224\u70ba\u4e0d\u914d\u5408\u3001\u4e0d\u91cd\u8996\uff0c\u5be6\u969b\u4e0a\u537b\u662f\u5fc3\u7406\u6a5f\u5236\u5728\u81ea\u6211\u4fdd\u8b77\u3002 \u56db\u3001\u884c\u70ba\u652f\u6301\uff0c\u624d\u662f\u6e9d\u901a\u7684\u4e0b\u4e00\u6b65 \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u4e2d\uff0c\u771f\u6b63\u80fd\u63a8\u52d5\u6539\u8b8a\u7684\uff0c\u4e26\u975e\u66f4\u591a\u8aaa\u660e\uff0c\u800c\u662f\u884c\u70ba\u652f\u6301\u7684\u8a2d\u8a08\u3002 \u9019\u610f\u5473\u8457\uff0c\u9664\u4e86\u8aaa\u660e\u7406\u7531\uff0c\u9084\u9700\u8981\u5354\u52a9\u4e8b\u524d\u8fa8\u8b58\u884c\u52d5\u6642\u53ef\u80fd\u51fa\u73fe\u7684\u504f\u8aa4\uff0c\u4e26\u70ba\u9019\u4e9b\u60c5\u5883\u8a2d\u8a08\u7de9\u885d\u3001\u5206\u6bb5\u8207\u66ff\u4ee3\u65b9\u6848\u3002\u7576 Effective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09\u80fd\u7d0d\u5165\u5c0d Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09 \u7684\u7406\u89e3\uff0c\u884c\u52d5\u4fbf\u4e0d\u518d\u53ea\u4f9d\u8cf4\u6c7a\u5fc3\uff0c\u800c\u662f\u88ab\u7d50\u69cb\u6027\u5730\u652f\u6301\u3002 \u9019\u6b63\u662f CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e2d\uff0c\u7406\u8ca1\u898f\u5283\u89d2\u8272\u4e0d\u53ef\u88ab\u7c21\u5316\u70ba\u300c\u5efa\u8b70\u63d0\u4f9b\u8005\u300d\u7684\u539f\u56e0\u3002 \u4e94\u3001\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u5982\u4f55\u770b\u5f85\u300c\u505a\u4e0d\u5230\u300d \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u7684\u8996\u89d2\u4e2d\uff0c\u300c\u505a\u4e0d\u5230\u300d\u4e26\u4e0d\u7b49\u65bc\u62d2\u7d55\u6216\u5931\u6557\u3002 \u5b83\u66f4\u50cf\u662f\u4e00\u500b\u8a0a\u865f\uff0c\u63d0\u9192\u6211\u5011\uff1a\u5728\u7406\u89e3\u8207\u884c\u52d5\u4e4b\u9593\uff0c\u4ecd\u6709\u5c1a\u672a\u88ab\u8655\u7406\u7684\u5fc3\u7406\u74b0\u7bc0\u3002\u7576\u884c\u70ba\u504f\u8aa4\u88ab\u7d0d\u5165\u8003\u91cf\uff0c\u898f\u5283\u624d\u80fd\u5f9e\u55ae\u5411\u5efa\u8b70\uff0c\u8f49\u70ba\u771f\u6b63\u53ef\u57f7\u884c\u7684\u6c7a\u7b56\u652f\u6301\u3002 \u66f4\u9032\u4e00\u6b65\u7684\u5167\u6db5\uff0c\u53ef\u53c3\u8003IF |\u300c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u300d\u5b9a\u7fa9\u53ca\u76f8\u95dc\u7cfb\u5217\u8aaa\u660e\u3002 \u516d\u3001\u5ef6\u4f38\u95b1\u8b80 \u672c\u7cfb\u5217\u5148\u524d\u5df2\u6574\u7406\u300c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u300d\u7684\u5b9a\u7fa9\u8207\u80cc\u666f\uff0c\u8aaa\u660e\u5176\u5982\u4f55\u88dc\u8db3\u50b3\u7d71\u4ee5\u7406\u89e3\u8207\u8a08\u7b97\u70ba\u6838\u5fc3\u7684\u7406\u8ca1\u65b9\u5f0f\uff0c\u4e26\u5354\u52a9\u8655\u7406\u884c\u70ba\u5c64\u9762\u7684\u843d\u5dee\uff0c\u4e26\u5728\u9762\u5c0d\u7406\u8ca1\u898f\u5283\u6642\u63d0\u4f9b\u66f4\u5b8c\u6574\u7684\u6c7a\u7b56\u652f\u6301\u3002 Effective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09\uff1a\u300aGeneral Principles of Effective Communication\u300b\u5c0d\u61c9\u7ae0\u7bc0\uff1aChapter 11-12 (Part V) Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff1a\u300aUnderstanding Your Client\u2019s Financial Behaviors\u300b\u5c0d\u61c9\u7ae0\u7bc0\uff1aChapter 2 &amp; 5 \u592b\u59bb\u70ba\u4ec0\u9ebc\u7e3d\u5728\u7406\u8ca1\u4e0a\u5435\u67b6\uff1f\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP1 \u6295\u8cc7\u6c92\u6709\u8667\u9322\uff0c\u70ba\u4ec0\u9ebc\u9084\u662f\u7761\u4e0d\u597d\uff1f | \u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP2 \u9000\u4f11\u771f\u6b63\u8b93\u4eba\u7126\u616e\u7684\uff0c\u5f80\u5f80\u4e0d\u662f\u9322\u4e0d\u5920\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP3 \u6b64\u7bc7\u6587\u7ae0\u6700\u958b\u59cb\u51fa\u8655\u70ba: \u70ba\u4ec0\u9ebc\u807d\u904e\u5f88\u591a\u7406\u8ca1\u5efa\u8b70\uff0c\u537b\u4e00\u500b\u90fd\u505a\u4e0d\u5230\uff1f\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP4\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pingtungtimes.com.tw\/?p=408961\" \/>\n<meta property=\"og:locale\" content=\"zh_TW\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u70ba\u4ec0\u9ebc\u807d\u904e\u5f88\u591a\u7406\u8ca1\u5efa\u8b70\uff0c\u537b\u4e00\u500b\u90fd\u505a\u4e0d\u5230\uff1f\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP4 - \u5c4f\u6771\u6642\u5831\u96fb\u5b50\u5831\" \/>\n<meta property=\"og:description\" content=\"\u58a8\u65b0\u805e\uff5c\u8a18\u8005\u5a01\u91d1\uff0f\u53f0\u5317\u5831\u5c0e\u5728 CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e0b\uff0c\u5f9e\u300c\u6709\u6548\u6e9d\u901a\u300d\u8207\u300c\u884c\u70ba\u504f\u8aa4\u300d\u7406\u89e3\u77e5\u9053\u8207\u505a\u5230\u4e4b\u9593\u7684\u843d\u5dee | IF \u7406\u8ca1\u5546\u5b78\u9662 \u4f5c\u8005\uff5c\u9673\u7d00\u8c6a IF \u7406\u8ca1\u5546\u5b78\u9662\uff5cFinQ Academy \u7e3d\u7d93\u7406 \u524d\u8a00\uff1a\u5ef6\u7e8c\u524d\u4e00\u7bc7\u5c0d\u9000\u4f11\u7126\u616e\u7684\u8a0e\u8ad6\uff0c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u6307\u51fa\uff0c\u8a31\u591a\u770b\u4f3c\u300c\u7406\u6027\u5145\u5206\u300d\u7684\u6c7a\u7b56\u5361\u95dc\uff0c\u4e26\u975e\u51fa\u5728\u8cc7\u8a0a\u4e0d\u8db3\uff0c\u800c\u662f\u51fa\u5728\u884c\u70ba\u7121\u6cd5\u88ab\u652f\u6301\u3002 \u5728 CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e2d\uff0c\u7406\u8ca1\u898f\u5283\u7684\u89d2\u8272\u4e0d\u53ea\u662f\u52a9\u4eba\u7406\u89e3\u9078\u9805\uff0c\u66f4\u662f\u5728\u4e0d\u540c\u6c7a\u7b56\u60c5\u5883\u4e0b\uff0c\u63d0\u4f9b\u7d50\u69cb\u5316\u7684\u300c\u6c7a\u7b56\u652f\u6301\uff08Decision Support\uff09\u300d\u3002\u7576\u9019\u5c64\u652f\u6301\u4e0d\u8db3\u6642\uff0c\u5373\u4f7f\u65b9\u5411\u6b63\u78ba\uff0c\u884c\u52d5\u4ecd\u53ef\u80fd\u53cd\u8986\u5ef6\u5b95\u3001\u505c\u6eef\uff0c\u751a\u81f3\u53cd\u5411\u767c\u751f\u3002 \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u4e2d\uff0cEffective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09 \u8207 Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\u5f80\u5f80\u540c\u6642\u5f71\u97ff\u884c\u70ba\u7d50\u679c\uff1b\u7576\u6e9d\u901a\u53ea\u505c\u7559\u5728\u7406\u89e3\u5c64\u6b21\uff0c\u884c\u70ba\u504f\u8aa4\u4fbf\u5bb9\u6613\u4e3b\u5c0e\u5be6\u969b\u9078\u64c7\u3002\u4e0d\u5c11\u4eba\u660e\u660e\u807d\u61c2\u4e86\u5efa\u8b70\uff0c\u4e5f\u8a8d\u540c\u65b9\u5411\uff0c\u537b\u5728\u95dc\u9375\u6642\u523b\u4e00\u518d\u5ef6\u5f8c\u3001\u653e\u68c4\u6216\u53cd\u5411\u64cd\u4f5c\uff0c\u8b93\u898f\u5283\u505c\u5728\u7d19\u4e0a\u3002 \u5ef6\u7e8c\u5c0d\u300c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u300d\u7684\u7cfb\u5217\u6574\u7406\uff0c\u672c\u7bc7\u805a\u7126\u9019\u500b\u6700\u5e38\u898b\u3001\u537b\u6700\u5bb9\u6613\u88ab\u8aa4\u89e3\u7684\u60c5\u5883\uff1a\u70ba\u4ec0\u9ebc\u300c\u7406\u89e3\u300d\u4e0d\u7b49\u65bc\u300c\u884c\u52d5\u300d\uff1f \u4e00\u3001\u6709\u6548\u6e9d\u901a Effective Communication \u70ba\u4f55\u4e0d\u8db3\u4ee5\u63a8\u52d5\u884c\u52d5 \u5728\u591a\u6578\u7406\u8ca1\u4e92\u52d5\u4e2d\uff0c\u6e9d\u901a\u662f\u5426\u6210\u529f\uff0c\u5e38\u88ab\u7c21\u5316\u70ba\u300c\u5c0d\u65b9\u6709\u6c92\u6709\u807d\u61c2\u300d\u3002\u7136\u800c\uff0c\u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u7684\u5236\u5ea6\u8a9e\u5883\u4e2d\uff0cEffective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09 \u4e26\u4e0d\u53ea\u6307\u8cc7\u8a0a\u662f\u5426\u6e05\u695a\uff0c\u800c\u5728\u65bc\u662f\u5426\u652f\u6301\u884c\u52d5\u767c\u751f\u6240\u9700\u7684\u5fc3\u7406\u689d\u4ef6\u3002 \u5373\u4f7f\u5efa\u8b70\u672c\u8eab\u5408\u4e4e\u908f\u8f2f\u3001\u7d50\u69cb\u5b8c\u6574\uff0c\u82e5\u672a\u4e8b\u5148\u8655\u7406\u884c\u52d5\u6642\u6703\u51fa\u73fe\u7684\u7336\u8c6b\u3001\u62d6\u5ef6\u8207\u6050\u61fc\uff0c\u7406\u89e3\u672c\u8eab\u4e26\u4e0d\u8db3\u4ee5\u4fc3\u6210\u6539\u8b8a\u3002\u9019\u4e5f\u662f\u70ba\u4ec0\u9ebc\uff0c\u6709\u4e9b\u770b\u4f3c\u5b8c\u7f8e\u7684\u8a08\u756b\uff0c\u6700\u7d42\u4ecd\u505c\u7559\u5728\u7d19\u4e0a\u3002 \u5728 CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e0b\uff0c\u6e9d\u901a\u7684\u76ee\u6a19\u5f9e\u4f86\u4e0d\u662f\u300c\u8aaa\u670d\u300d\uff0c\u800c\u662f\u8b93\u6c7a\u7b56\u5728\u884c\u70ba\u5c64\u9762\u4e5f\u80fd\u6210\u7acb\u3002 \u4e8c\u3001\u884c\u70ba\u504f\u8aa4 Behavioral Biases \u5982\u4f55\u8b93\u884c\u52d5\u4e00\u518d\u88ab\u5ef6\u5f8c \u7576\u884c\u70ba\u5373\u5c07\u767c\u751f\u6642\uff0cBehavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\u5f80\u5f80\u958b\u59cb\u4ecb\u5165\u3002\u4eba\u5011\u53ef\u80fd\u9ad8\u4f30\u672a\u4f86\u81ea\u5df1\u6703\u66f4\u6709\u6642\u9593\u3001\u66f4\u6709\u6e96\u5099\uff0c\u6216\u4f4e\u4f30\u73fe\u5728\u884c\u52d5\u7684\u5fc5\u8981\u6027\u3002 \u5e38\u898b\u7684\u60c5\u6cc1\u5305\u62ec\uff1a \u660e\u77e5\u9053\u61c9\u8a72\u8abf\u6574\u914d\u7f6e\uff0c\u537b\u56e0\u5bb3\u6015\u77ed\u671f\u6ce2\u52d5\u800c\u5ef6\u5f8c\uff1b \u7406\u89e3\u5132\u84c4\u7684\u91cd\u8981\uff0c\u537b\u5728\u9762\u5c0d\u5373\u6642\u8a98\u60d1\u6642\u9078\u64c7\u59a5\u5354\u3002 \u9019\u985e\u53cd\u61c9\u4e26\u975e\u7f3a\u4e4f\u610f\u5fd7\u529b\uff0c\u800c\u662f\u4eba\u985e\u5728\u4e0d\u78ba\u5b9a\u8207\u640d\u5931\u53ef\u80fd\u6027\u4e0b\u7684\u81ea\u7136\u50be\u5411\uff08\u5982\u5e38\u898b\u7684 \u73fe\u72c0\u504f\u5dee\uff09\u3002\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u95dc\u6ce8\u7684\uff0c\u6b63\u662f\u9019\u4e9b\u504f\u8aa4\u5982\u4f55\u5728\u300c\u6700\u5f8c\u4e00\u54e9\u8def\u300d\u626d\u66f2\u539f\u672c\u5408\u7406\u7684\u5224\u65b7\u3002 \u4e09\u3001\u70ba\u4ec0\u9ebc\u8d8a\u6e05\u695a\u7684\u5efa\u8b70\uff0c\u6709\u6642\u53cd\u800c\u8d8a\u96e3\u57f7\u884c \u5f9e\u6c7a\u7b56\u5fc3\u7406\u7684\u89d2\u5ea6\u4f86\u770b\uff0c\u904e\u65bc\u5b8c\u6574\u3001\u4e00\u6b21\u5230\u4f4d\u7684\u5efa\u8b70\uff0c\u53cd\u800c\u53ef\u80fd\u653e\u5927\u5fc3\u7406\u8ca0\u64d4\u3002 \u7576\u9078\u9805\u904e\u591a\u3001\u6b65\u9a5f\u904e\u65bc\u7406\u60f3\u5316\uff0c\u884c\u70ba\u504f\u8aa4\u6703\u63a8\u52d5\u4eba\u5011\u9078\u64c7\u300c\u66ab\u6642\u4e0d\u52d5\u300d\uff0c\u4ee5\u907f\u514d\u72af\u932f\u3002\u6b64\u6642\uff0c\u5373\u4f7f Effective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09\u5df2\u7d93\u5b8c\u6210\uff0c\u884c\u70ba\u5c64\u9762\u7684\u652f\u6301\u537b\u5c1a\u672a\u5230\u4f4d\u3002 \u9019\u7a2e\u72c0\u614b\u5e38\u88ab\u8aa4\u5224\u70ba\u4e0d\u914d\u5408\u3001\u4e0d\u91cd\u8996\uff0c\u5be6\u969b\u4e0a\u537b\u662f\u5fc3\u7406\u6a5f\u5236\u5728\u81ea\u6211\u4fdd\u8b77\u3002 \u56db\u3001\u884c\u70ba\u652f\u6301\uff0c\u624d\u662f\u6e9d\u901a\u7684\u4e0b\u4e00\u6b65 \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u4e2d\uff0c\u771f\u6b63\u80fd\u63a8\u52d5\u6539\u8b8a\u7684\uff0c\u4e26\u975e\u66f4\u591a\u8aaa\u660e\uff0c\u800c\u662f\u884c\u70ba\u652f\u6301\u7684\u8a2d\u8a08\u3002 \u9019\u610f\u5473\u8457\uff0c\u9664\u4e86\u8aaa\u660e\u7406\u7531\uff0c\u9084\u9700\u8981\u5354\u52a9\u4e8b\u524d\u8fa8\u8b58\u884c\u52d5\u6642\u53ef\u80fd\u51fa\u73fe\u7684\u504f\u8aa4\uff0c\u4e26\u70ba\u9019\u4e9b\u60c5\u5883\u8a2d\u8a08\u7de9\u885d\u3001\u5206\u6bb5\u8207\u66ff\u4ee3\u65b9\u6848\u3002\u7576 Effective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09\u80fd\u7d0d\u5165\u5c0d Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09 \u7684\u7406\u89e3\uff0c\u884c\u52d5\u4fbf\u4e0d\u518d\u53ea\u4f9d\u8cf4\u6c7a\u5fc3\uff0c\u800c\u662f\u88ab\u7d50\u69cb\u6027\u5730\u652f\u6301\u3002 \u9019\u6b63\u662f CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e2d\uff0c\u7406\u8ca1\u898f\u5283\u89d2\u8272\u4e0d\u53ef\u88ab\u7c21\u5316\u70ba\u300c\u5efa\u8b70\u63d0\u4f9b\u8005\u300d\u7684\u539f\u56e0\u3002 \u4e94\u3001\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u5982\u4f55\u770b\u5f85\u300c\u505a\u4e0d\u5230\u300d \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u7684\u8996\u89d2\u4e2d\uff0c\u300c\u505a\u4e0d\u5230\u300d\u4e26\u4e0d\u7b49\u65bc\u62d2\u7d55\u6216\u5931\u6557\u3002 \u5b83\u66f4\u50cf\u662f\u4e00\u500b\u8a0a\u865f\uff0c\u63d0\u9192\u6211\u5011\uff1a\u5728\u7406\u89e3\u8207\u884c\u52d5\u4e4b\u9593\uff0c\u4ecd\u6709\u5c1a\u672a\u88ab\u8655\u7406\u7684\u5fc3\u7406\u74b0\u7bc0\u3002\u7576\u884c\u70ba\u504f\u8aa4\u88ab\u7d0d\u5165\u8003\u91cf\uff0c\u898f\u5283\u624d\u80fd\u5f9e\u55ae\u5411\u5efa\u8b70\uff0c\u8f49\u70ba\u771f\u6b63\u53ef\u57f7\u884c\u7684\u6c7a\u7b56\u652f\u6301\u3002 \u66f4\u9032\u4e00\u6b65\u7684\u5167\u6db5\uff0c\u53ef\u53c3\u8003IF |\u300c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u300d\u5b9a\u7fa9\u53ca\u76f8\u95dc\u7cfb\u5217\u8aaa\u660e\u3002 \u516d\u3001\u5ef6\u4f38\u95b1\u8b80 \u672c\u7cfb\u5217\u5148\u524d\u5df2\u6574\u7406\u300c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u300d\u7684\u5b9a\u7fa9\u8207\u80cc\u666f\uff0c\u8aaa\u660e\u5176\u5982\u4f55\u88dc\u8db3\u50b3\u7d71\u4ee5\u7406\u89e3\u8207\u8a08\u7b97\u70ba\u6838\u5fc3\u7684\u7406\u8ca1\u65b9\u5f0f\uff0c\u4e26\u5354\u52a9\u8655\u7406\u884c\u70ba\u5c64\u9762\u7684\u843d\u5dee\uff0c\u4e26\u5728\u9762\u5c0d\u7406\u8ca1\u898f\u5283\u6642\u63d0\u4f9b\u66f4\u5b8c\u6574\u7684\u6c7a\u7b56\u652f\u6301\u3002 Effective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09\uff1a\u300aGeneral Principles of Effective Communication\u300b\u5c0d\u61c9\u7ae0\u7bc0\uff1aChapter 11-12 (Part V) Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff1a\u300aUnderstanding Your Client\u2019s Financial Behaviors\u300b\u5c0d\u61c9\u7ae0\u7bc0\uff1aChapter 2 &amp; 5 \u592b\u59bb\u70ba\u4ec0\u9ebc\u7e3d\u5728\u7406\u8ca1\u4e0a\u5435\u67b6\uff1f\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP1 \u6295\u8cc7\u6c92\u6709\u8667\u9322\uff0c\u70ba\u4ec0\u9ebc\u9084\u662f\u7761\u4e0d\u597d\uff1f | \u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP2 \u9000\u4f11\u771f\u6b63\u8b93\u4eba\u7126\u616e\u7684\uff0c\u5f80\u5f80\u4e0d\u662f\u9322\u4e0d\u5920\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP3 \u6b64\u7bc7\u6587\u7ae0\u6700\u958b\u59cb\u51fa\u8655\u70ba: \u70ba\u4ec0\u9ebc\u807d\u904e\u5f88\u591a\u7406\u8ca1\u5efa\u8b70\uff0c\u537b\u4e00\u500b\u90fd\u505a\u4e0d\u5230\uff1f\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP4\" \/>\n<meta property=\"og:url\" content=\"https:\/\/pingtungtimes.com.tw\/?p=408961\" \/>\n<meta property=\"og:site_name\" content=\"\u5c4f\u6771\u6642\u5831\u96fb\u5b50\u5831\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pingtungnews\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-08T09:42:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/pingtungtimes.com.tw\/wp-content\/uploads\/2023\/02\/logo-150.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1706\" \/>\n\t<meta property=\"og:image:height\" content=\"960\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"\u58a8\u65b0\u805e\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u4f5c\u8005:\" \/>\n\t<meta name=\"twitter:data1\" content=\"\u58a8\u65b0\u805e\" \/>\n<script type=\"application\/ld+json\" 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\u5c4f\u6771\u6642\u5831\u96fb\u5b50\u5831\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/?p=408961#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/?p=408961#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/IF_FinQ-Academy_Psychology-of-Financial-Planning_EP4_CFP_Effective-Communication_Behavioral-Biases_Action-Gap.webp\",\"datePublished\":\"2026-02-08T09:42:47+00:00\",\"description\":\"\u58a8\u65b0\u805e\uff5c\u8a18\u8005\u5a01\u91d1\uff0f\u53f0\u5317\u5831\u5c0e\u5728 CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e0b\uff0c\u5f9e\u300c\u6709\u6548\u6e9d\u901a\u300d\u8207\u300c\u884c\u70ba\u504f\u8aa4\u300d\u7406\u89e3\u77e5\u9053\u8207\u505a\u5230\u4e4b\u9593\u7684\u843d\u5dee | IF \u7406\u8ca1\u5546\u5b78\u9662 \u4f5c\u8005\uff5c\u9673\u7d00\u8c6a IF \u7406\u8ca1\u5546\u5b78\u9662\uff5cFinQ Academy \u7e3d\u7d93\u7406 \u524d\u8a00\uff1a\u5ef6\u7e8c\u524d\u4e00\u7bc7\u5c0d\u9000\u4f11\u7126\u616e\u7684\u8a0e\u8ad6\uff0c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u6307\u51fa\uff0c\u8a31\u591a\u770b\u4f3c\u300c\u7406\u6027\u5145\u5206\u300d\u7684\u6c7a\u7b56\u5361\u95dc\uff0c\u4e26\u975e\u51fa\u5728\u8cc7\u8a0a\u4e0d\u8db3\uff0c\u800c\u662f\u51fa\u5728\u884c\u70ba\u7121\u6cd5\u88ab\u652f\u6301\u3002 \u5728 CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e2d\uff0c\u7406\u8ca1\u898f\u5283\u7684\u89d2\u8272\u4e0d\u53ea\u662f\u52a9\u4eba\u7406\u89e3\u9078\u9805\uff0c\u66f4\u662f\u5728\u4e0d\u540c\u6c7a\u7b56\u60c5\u5883\u4e0b\uff0c\u63d0\u4f9b\u7d50\u69cb\u5316\u7684\u300c\u6c7a\u7b56\u652f\u6301\uff08Decision Support\uff09\u300d\u3002\u7576\u9019\u5c64\u652f\u6301\u4e0d\u8db3\u6642\uff0c\u5373\u4f7f\u65b9\u5411\u6b63\u78ba\uff0c\u884c\u52d5\u4ecd\u53ef\u80fd\u53cd\u8986\u5ef6\u5b95\u3001\u505c\u6eef\uff0c\u751a\u81f3\u53cd\u5411\u767c\u751f\u3002 \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u4e2d\uff0cEffective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09 \u8207 Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\u5f80\u5f80\u540c\u6642\u5f71\u97ff\u884c\u70ba\u7d50\u679c\uff1b\u7576\u6e9d\u901a\u53ea\u505c\u7559\u5728\u7406\u89e3\u5c64\u6b21\uff0c\u884c\u70ba\u504f\u8aa4\u4fbf\u5bb9\u6613\u4e3b\u5c0e\u5be6\u969b\u9078\u64c7\u3002\u4e0d\u5c11\u4eba\u660e\u660e\u807d\u61c2\u4e86\u5efa\u8b70\uff0c\u4e5f\u8a8d\u540c\u65b9\u5411\uff0c\u537b\u5728\u95dc\u9375\u6642\u523b\u4e00\u518d\u5ef6\u5f8c\u3001\u653e\u68c4\u6216\u53cd\u5411\u64cd\u4f5c\uff0c\u8b93\u898f\u5283\u505c\u5728\u7d19\u4e0a\u3002 \u5ef6\u7e8c\u5c0d\u300c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u300d\u7684\u7cfb\u5217\u6574\u7406\uff0c\u672c\u7bc7\u805a\u7126\u9019\u500b\u6700\u5e38\u898b\u3001\u537b\u6700\u5bb9\u6613\u88ab\u8aa4\u89e3\u7684\u60c5\u5883\uff1a\u70ba\u4ec0\u9ebc\u300c\u7406\u89e3\u300d\u4e0d\u7b49\u65bc\u300c\u884c\u52d5\u300d\uff1f \u4e00\u3001\u6709\u6548\u6e9d\u901a Effective Communication \u70ba\u4f55\u4e0d\u8db3\u4ee5\u63a8\u52d5\u884c\u52d5 \u5728\u591a\u6578\u7406\u8ca1\u4e92\u52d5\u4e2d\uff0c\u6e9d\u901a\u662f\u5426\u6210\u529f\uff0c\u5e38\u88ab\u7c21\u5316\u70ba\u300c\u5c0d\u65b9\u6709\u6c92\u6709\u807d\u61c2\u300d\u3002\u7136\u800c\uff0c\u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u7684\u5236\u5ea6\u8a9e\u5883\u4e2d\uff0cEffective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09 \u4e26\u4e0d\u53ea\u6307\u8cc7\u8a0a\u662f\u5426\u6e05\u695a\uff0c\u800c\u5728\u65bc\u662f\u5426\u652f\u6301\u884c\u52d5\u767c\u751f\u6240\u9700\u7684\u5fc3\u7406\u689d\u4ef6\u3002 \u5373\u4f7f\u5efa\u8b70\u672c\u8eab\u5408\u4e4e\u908f\u8f2f\u3001\u7d50\u69cb\u5b8c\u6574\uff0c\u82e5\u672a\u4e8b\u5148\u8655\u7406\u884c\u52d5\u6642\u6703\u51fa\u73fe\u7684\u7336\u8c6b\u3001\u62d6\u5ef6\u8207\u6050\u61fc\uff0c\u7406\u89e3\u672c\u8eab\u4e26\u4e0d\u8db3\u4ee5\u4fc3\u6210\u6539\u8b8a\u3002\u9019\u4e5f\u662f\u70ba\u4ec0\u9ebc\uff0c\u6709\u4e9b\u770b\u4f3c\u5b8c\u7f8e\u7684\u8a08\u756b\uff0c\u6700\u7d42\u4ecd\u505c\u7559\u5728\u7d19\u4e0a\u3002 \u5728 CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e0b\uff0c\u6e9d\u901a\u7684\u76ee\u6a19\u5f9e\u4f86\u4e0d\u662f\u300c\u8aaa\u670d\u300d\uff0c\u800c\u662f\u8b93\u6c7a\u7b56\u5728\u884c\u70ba\u5c64\u9762\u4e5f\u80fd\u6210\u7acb\u3002 \u4e8c\u3001\u884c\u70ba\u504f\u8aa4 Behavioral Biases \u5982\u4f55\u8b93\u884c\u52d5\u4e00\u518d\u88ab\u5ef6\u5f8c \u7576\u884c\u70ba\u5373\u5c07\u767c\u751f\u6642\uff0cBehavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\u5f80\u5f80\u958b\u59cb\u4ecb\u5165\u3002\u4eba\u5011\u53ef\u80fd\u9ad8\u4f30\u672a\u4f86\u81ea\u5df1\u6703\u66f4\u6709\u6642\u9593\u3001\u66f4\u6709\u6e96\u5099\uff0c\u6216\u4f4e\u4f30\u73fe\u5728\u884c\u52d5\u7684\u5fc5\u8981\u6027\u3002 \u5e38\u898b\u7684\u60c5\u6cc1\u5305\u62ec\uff1a \u660e\u77e5\u9053\u61c9\u8a72\u8abf\u6574\u914d\u7f6e\uff0c\u537b\u56e0\u5bb3\u6015\u77ed\u671f\u6ce2\u52d5\u800c\u5ef6\u5f8c\uff1b \u7406\u89e3\u5132\u84c4\u7684\u91cd\u8981\uff0c\u537b\u5728\u9762\u5c0d\u5373\u6642\u8a98\u60d1\u6642\u9078\u64c7\u59a5\u5354\u3002 \u9019\u985e\u53cd\u61c9\u4e26\u975e\u7f3a\u4e4f\u610f\u5fd7\u529b\uff0c\u800c\u662f\u4eba\u985e\u5728\u4e0d\u78ba\u5b9a\u8207\u640d\u5931\u53ef\u80fd\u6027\u4e0b\u7684\u81ea\u7136\u50be\u5411\uff08\u5982\u5e38\u898b\u7684 \u73fe\u72c0\u504f\u5dee\uff09\u3002\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u95dc\u6ce8\u7684\uff0c\u6b63\u662f\u9019\u4e9b\u504f\u8aa4\u5982\u4f55\u5728\u300c\u6700\u5f8c\u4e00\u54e9\u8def\u300d\u626d\u66f2\u539f\u672c\u5408\u7406\u7684\u5224\u65b7\u3002 \u4e09\u3001\u70ba\u4ec0\u9ebc\u8d8a\u6e05\u695a\u7684\u5efa\u8b70\uff0c\u6709\u6642\u53cd\u800c\u8d8a\u96e3\u57f7\u884c \u5f9e\u6c7a\u7b56\u5fc3\u7406\u7684\u89d2\u5ea6\u4f86\u770b\uff0c\u904e\u65bc\u5b8c\u6574\u3001\u4e00\u6b21\u5230\u4f4d\u7684\u5efa\u8b70\uff0c\u53cd\u800c\u53ef\u80fd\u653e\u5927\u5fc3\u7406\u8ca0\u64d4\u3002 \u7576\u9078\u9805\u904e\u591a\u3001\u6b65\u9a5f\u904e\u65bc\u7406\u60f3\u5316\uff0c\u884c\u70ba\u504f\u8aa4\u6703\u63a8\u52d5\u4eba\u5011\u9078\u64c7\u300c\u66ab\u6642\u4e0d\u52d5\u300d\uff0c\u4ee5\u907f\u514d\u72af\u932f\u3002\u6b64\u6642\uff0c\u5373\u4f7f Effective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09\u5df2\u7d93\u5b8c\u6210\uff0c\u884c\u70ba\u5c64\u9762\u7684\u652f\u6301\u537b\u5c1a\u672a\u5230\u4f4d\u3002 \u9019\u7a2e\u72c0\u614b\u5e38\u88ab\u8aa4\u5224\u70ba\u4e0d\u914d\u5408\u3001\u4e0d\u91cd\u8996\uff0c\u5be6\u969b\u4e0a\u537b\u662f\u5fc3\u7406\u6a5f\u5236\u5728\u81ea\u6211\u4fdd\u8b77\u3002 \u56db\u3001\u884c\u70ba\u652f\u6301\uff0c\u624d\u662f\u6e9d\u901a\u7684\u4e0b\u4e00\u6b65 \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u4e2d\uff0c\u771f\u6b63\u80fd\u63a8\u52d5\u6539\u8b8a\u7684\uff0c\u4e26\u975e\u66f4\u591a\u8aaa\u660e\uff0c\u800c\u662f\u884c\u70ba\u652f\u6301\u7684\u8a2d\u8a08\u3002 \u9019\u610f\u5473\u8457\uff0c\u9664\u4e86\u8aaa\u660e\u7406\u7531\uff0c\u9084\u9700\u8981\u5354\u52a9\u4e8b\u524d\u8fa8\u8b58\u884c\u52d5\u6642\u53ef\u80fd\u51fa\u73fe\u7684\u504f\u8aa4\uff0c\u4e26\u70ba\u9019\u4e9b\u60c5\u5883\u8a2d\u8a08\u7de9\u885d\u3001\u5206\u6bb5\u8207\u66ff\u4ee3\u65b9\u6848\u3002\u7576 Effective 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\u4e00\u3001\u6709\u6548\u6e9d\u901a Effective Communication \u70ba\u4f55\u4e0d\u8db3\u4ee5\u63a8\u52d5\u884c\u52d5 \u5728\u591a\u6578\u7406\u8ca1\u4e92\u52d5\u4e2d\uff0c\u6e9d\u901a\u662f\u5426\u6210\u529f\uff0c\u5e38\u88ab\u7c21\u5316\u70ba\u300c\u5c0d\u65b9\u6709\u6c92\u6709\u807d\u61c2\u300d\u3002\u7136\u800c\uff0c\u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u7684\u5236\u5ea6\u8a9e\u5883\u4e2d\uff0cEffective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09 \u4e26\u4e0d\u53ea\u6307\u8cc7\u8a0a\u662f\u5426\u6e05\u695a\uff0c\u800c\u5728\u65bc\u662f\u5426\u652f\u6301\u884c\u52d5\u767c\u751f\u6240\u9700\u7684\u5fc3\u7406\u689d\u4ef6\u3002 \u5373\u4f7f\u5efa\u8b70\u672c\u8eab\u5408\u4e4e\u908f\u8f2f\u3001\u7d50\u69cb\u5b8c\u6574\uff0c\u82e5\u672a\u4e8b\u5148\u8655\u7406\u884c\u52d5\u6642\u6703\u51fa\u73fe\u7684\u7336\u8c6b\u3001\u62d6\u5ef6\u8207\u6050\u61fc\uff0c\u7406\u89e3\u672c\u8eab\u4e26\u4e0d\u8db3\u4ee5\u4fc3\u6210\u6539\u8b8a\u3002\u9019\u4e5f\u662f\u70ba\u4ec0\u9ebc\uff0c\u6709\u4e9b\u770b\u4f3c\u5b8c\u7f8e\u7684\u8a08\u756b\uff0c\u6700\u7d42\u4ecd\u505c\u7559\u5728\u7d19\u4e0a\u3002 \u5728 CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e0b\uff0c\u6e9d\u901a\u7684\u76ee\u6a19\u5f9e\u4f86\u4e0d\u662f\u300c\u8aaa\u670d\u300d\uff0c\u800c\u662f\u8b93\u6c7a\u7b56\u5728\u884c\u70ba\u5c64\u9762\u4e5f\u80fd\u6210\u7acb\u3002 \u4e8c\u3001\u884c\u70ba\u504f\u8aa4 Behavioral Biases \u5982\u4f55\u8b93\u884c\u52d5\u4e00\u518d\u88ab\u5ef6\u5f8c \u7576\u884c\u70ba\u5373\u5c07\u767c\u751f\u6642\uff0cBehavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\u5f80\u5f80\u958b\u59cb\u4ecb\u5165\u3002\u4eba\u5011\u53ef\u80fd\u9ad8\u4f30\u672a\u4f86\u81ea\u5df1\u6703\u66f4\u6709\u6642\u9593\u3001\u66f4\u6709\u6e96\u5099\uff0c\u6216\u4f4e\u4f30\u73fe\u5728\u884c\u52d5\u7684\u5fc5\u8981\u6027\u3002 \u5e38\u898b\u7684\u60c5\u6cc1\u5305\u62ec\uff1a \u660e\u77e5\u9053\u61c9\u8a72\u8abf\u6574\u914d\u7f6e\uff0c\u537b\u56e0\u5bb3\u6015\u77ed\u671f\u6ce2\u52d5\u800c\u5ef6\u5f8c\uff1b \u7406\u89e3\u5132\u84c4\u7684\u91cd\u8981\uff0c\u537b\u5728\u9762\u5c0d\u5373\u6642\u8a98\u60d1\u6642\u9078\u64c7\u59a5\u5354\u3002 \u9019\u985e\u53cd\u61c9\u4e26\u975e\u7f3a\u4e4f\u610f\u5fd7\u529b\uff0c\u800c\u662f\u4eba\u985e\u5728\u4e0d\u78ba\u5b9a\u8207\u640d\u5931\u53ef\u80fd\u6027\u4e0b\u7684\u81ea\u7136\u50be\u5411\uff08\u5982\u5e38\u898b\u7684 \u73fe\u72c0\u504f\u5dee\uff09\u3002\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u95dc\u6ce8\u7684\uff0c\u6b63\u662f\u9019\u4e9b\u504f\u8aa4\u5982\u4f55\u5728\u300c\u6700\u5f8c\u4e00\u54e9\u8def\u300d\u626d\u66f2\u539f\u672c\u5408\u7406\u7684\u5224\u65b7\u3002 \u4e09\u3001\u70ba\u4ec0\u9ebc\u8d8a\u6e05\u695a\u7684\u5efa\u8b70\uff0c\u6709\u6642\u53cd\u800c\u8d8a\u96e3\u57f7\u884c \u5f9e\u6c7a\u7b56\u5fc3\u7406\u7684\u89d2\u5ea6\u4f86\u770b\uff0c\u904e\u65bc\u5b8c\u6574\u3001\u4e00\u6b21\u5230\u4f4d\u7684\u5efa\u8b70\uff0c\u53cd\u800c\u53ef\u80fd\u653e\u5927\u5fc3\u7406\u8ca0\u64d4\u3002 \u7576\u9078\u9805\u904e\u591a\u3001\u6b65\u9a5f\u904e\u65bc\u7406\u60f3\u5316\uff0c\u884c\u70ba\u504f\u8aa4\u6703\u63a8\u52d5\u4eba\u5011\u9078\u64c7\u300c\u66ab\u6642\u4e0d\u52d5\u300d\uff0c\u4ee5\u907f\u514d\u72af\u932f\u3002\u6b64\u6642\uff0c\u5373\u4f7f Effective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09\u5df2\u7d93\u5b8c\u6210\uff0c\u884c\u70ba\u5c64\u9762\u7684\u652f\u6301\u537b\u5c1a\u672a\u5230\u4f4d\u3002 \u9019\u7a2e\u72c0\u614b\u5e38\u88ab\u8aa4\u5224\u70ba\u4e0d\u914d\u5408\u3001\u4e0d\u91cd\u8996\uff0c\u5be6\u969b\u4e0a\u537b\u662f\u5fc3\u7406\u6a5f\u5236\u5728\u81ea\u6211\u4fdd\u8b77\u3002 \u56db\u3001\u884c\u70ba\u652f\u6301\uff0c\u624d\u662f\u6e9d\u901a\u7684\u4e0b\u4e00\u6b65 \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u4e2d\uff0c\u771f\u6b63\u80fd\u63a8\u52d5\u6539\u8b8a\u7684\uff0c\u4e26\u975e\u66f4\u591a\u8aaa\u660e\uff0c\u800c\u662f\u884c\u70ba\u652f\u6301\u7684\u8a2d\u8a08\u3002 \u9019\u610f\u5473\u8457\uff0c\u9664\u4e86\u8aaa\u660e\u7406\u7531\uff0c\u9084\u9700\u8981\u5354\u52a9\u4e8b\u524d\u8fa8\u8b58\u884c\u52d5\u6642\u53ef\u80fd\u51fa\u73fe\u7684\u504f\u8aa4\uff0c\u4e26\u70ba\u9019\u4e9b\u60c5\u5883\u8a2d\u8a08\u7de9\u885d\u3001\u5206\u6bb5\u8207\u66ff\u4ee3\u65b9\u6848\u3002\u7576 Effective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09\u80fd\u7d0d\u5165\u5c0d Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09 \u7684\u7406\u89e3\uff0c\u884c\u52d5\u4fbf\u4e0d\u518d\u53ea\u4f9d\u8cf4\u6c7a\u5fc3\uff0c\u800c\u662f\u88ab\u7d50\u69cb\u6027\u5730\u652f\u6301\u3002 \u9019\u6b63\u662f CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e2d\uff0c\u7406\u8ca1\u898f\u5283\u89d2\u8272\u4e0d\u53ef\u88ab\u7c21\u5316\u70ba\u300c\u5efa\u8b70\u63d0\u4f9b\u8005\u300d\u7684\u539f\u56e0\u3002 \u4e94\u3001\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u5982\u4f55\u770b\u5f85\u300c\u505a\u4e0d\u5230\u300d \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u7684\u8996\u89d2\u4e2d\uff0c\u300c\u505a\u4e0d\u5230\u300d\u4e26\u4e0d\u7b49\u65bc\u62d2\u7d55\u6216\u5931\u6557\u3002 \u5b83\u66f4\u50cf\u662f\u4e00\u500b\u8a0a\u865f\uff0c\u63d0\u9192\u6211\u5011\uff1a\u5728\u7406\u89e3\u8207\u884c\u52d5\u4e4b\u9593\uff0c\u4ecd\u6709\u5c1a\u672a\u88ab\u8655\u7406\u7684\u5fc3\u7406\u74b0\u7bc0\u3002\u7576\u884c\u70ba\u504f\u8aa4\u88ab\u7d0d\u5165\u8003\u91cf\uff0c\u898f\u5283\u624d\u80fd\u5f9e\u55ae\u5411\u5efa\u8b70\uff0c\u8f49\u70ba\u771f\u6b63\u53ef\u57f7\u884c\u7684\u6c7a\u7b56\u652f\u6301\u3002 \u66f4\u9032\u4e00\u6b65\u7684\u5167\u6db5\uff0c\u53ef\u53c3\u8003IF |\u300c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u300d\u5b9a\u7fa9\u53ca\u76f8\u95dc\u7cfb\u5217\u8aaa\u660e\u3002 \u516d\u3001\u5ef6\u4f38\u95b1\u8b80 \u672c\u7cfb\u5217\u5148\u524d\u5df2\u6574\u7406\u300c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u300d\u7684\u5b9a\u7fa9\u8207\u80cc\u666f\uff0c\u8aaa\u660e\u5176\u5982\u4f55\u88dc\u8db3\u50b3\u7d71\u4ee5\u7406\u89e3\u8207\u8a08\u7b97\u70ba\u6838\u5fc3\u7684\u7406\u8ca1\u65b9\u5f0f\uff0c\u4e26\u5354\u52a9\u8655\u7406\u884c\u70ba\u5c64\u9762\u7684\u843d\u5dee\uff0c\u4e26\u5728\u9762\u5c0d\u7406\u8ca1\u898f\u5283\u6642\u63d0\u4f9b\u66f4\u5b8c\u6574\u7684\u6c7a\u7b56\u652f\u6301\u3002 Effective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09\uff1a\u300aGeneral Principles of Effective Communication\u300b\u5c0d\u61c9\u7ae0\u7bc0\uff1aChapter 11-12 (Part V) Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff1a\u300aUnderstanding Your Client\u2019s Financial Behaviors\u300b\u5c0d\u61c9\u7ae0\u7bc0\uff1aChapter 2 &amp; 5 \u592b\u59bb\u70ba\u4ec0\u9ebc\u7e3d\u5728\u7406\u8ca1\u4e0a\u5435\u67b6\uff1f\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP1 \u6295\u8cc7\u6c92\u6709\u8667\u9322\uff0c\u70ba\u4ec0\u9ebc\u9084\u662f\u7761\u4e0d\u597d\uff1f | \u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP2 \u9000\u4f11\u771f\u6b63\u8b93\u4eba\u7126\u616e\u7684\uff0c\u5f80\u5f80\u4e0d\u662f\u9322\u4e0d\u5920\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP3 \u6b64\u7bc7\u6587\u7ae0\u6700\u958b\u59cb\u51fa\u8655\u70ba: \u70ba\u4ec0\u9ebc\u807d\u904e\u5f88\u591a\u7406\u8ca1\u5efa\u8b70\uff0c\u537b\u4e00\u500b\u90fd\u505a\u4e0d\u5230\uff1f\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP4","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/pingtungtimes.com.tw\/?p=408961","og_locale":"zh_TW","og_type":"article","og_title":"\u70ba\u4ec0\u9ebc\u807d\u904e\u5f88\u591a\u7406\u8ca1\u5efa\u8b70\uff0c\u537b\u4e00\u500b\u90fd\u505a\u4e0d\u5230\uff1f\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP4 - \u5c4f\u6771\u6642\u5831\u96fb\u5b50\u5831","og_description":"\u58a8\u65b0\u805e\uff5c\u8a18\u8005\u5a01\u91d1\uff0f\u53f0\u5317\u5831\u5c0e\u5728 CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e0b\uff0c\u5f9e\u300c\u6709\u6548\u6e9d\u901a\u300d\u8207\u300c\u884c\u70ba\u504f\u8aa4\u300d\u7406\u89e3\u77e5\u9053\u8207\u505a\u5230\u4e4b\u9593\u7684\u843d\u5dee | IF \u7406\u8ca1\u5546\u5b78\u9662 \u4f5c\u8005\uff5c\u9673\u7d00\u8c6a IF \u7406\u8ca1\u5546\u5b78\u9662\uff5cFinQ Academy \u7e3d\u7d93\u7406 \u524d\u8a00\uff1a\u5ef6\u7e8c\u524d\u4e00\u7bc7\u5c0d\u9000\u4f11\u7126\u616e\u7684\u8a0e\u8ad6\uff0c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u6307\u51fa\uff0c\u8a31\u591a\u770b\u4f3c\u300c\u7406\u6027\u5145\u5206\u300d\u7684\u6c7a\u7b56\u5361\u95dc\uff0c\u4e26\u975e\u51fa\u5728\u8cc7\u8a0a\u4e0d\u8db3\uff0c\u800c\u662f\u51fa\u5728\u884c\u70ba\u7121\u6cd5\u88ab\u652f\u6301\u3002 \u5728 CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e2d\uff0c\u7406\u8ca1\u898f\u5283\u7684\u89d2\u8272\u4e0d\u53ea\u662f\u52a9\u4eba\u7406\u89e3\u9078\u9805\uff0c\u66f4\u662f\u5728\u4e0d\u540c\u6c7a\u7b56\u60c5\u5883\u4e0b\uff0c\u63d0\u4f9b\u7d50\u69cb\u5316\u7684\u300c\u6c7a\u7b56\u652f\u6301\uff08Decision Support\uff09\u300d\u3002\u7576\u9019\u5c64\u652f\u6301\u4e0d\u8db3\u6642\uff0c\u5373\u4f7f\u65b9\u5411\u6b63\u78ba\uff0c\u884c\u52d5\u4ecd\u53ef\u80fd\u53cd\u8986\u5ef6\u5b95\u3001\u505c\u6eef\uff0c\u751a\u81f3\u53cd\u5411\u767c\u751f\u3002 \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u4e2d\uff0cEffective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09 \u8207 Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\u5f80\u5f80\u540c\u6642\u5f71\u97ff\u884c\u70ba\u7d50\u679c\uff1b\u7576\u6e9d\u901a\u53ea\u505c\u7559\u5728\u7406\u89e3\u5c64\u6b21\uff0c\u884c\u70ba\u504f\u8aa4\u4fbf\u5bb9\u6613\u4e3b\u5c0e\u5be6\u969b\u9078\u64c7\u3002\u4e0d\u5c11\u4eba\u660e\u660e\u807d\u61c2\u4e86\u5efa\u8b70\uff0c\u4e5f\u8a8d\u540c\u65b9\u5411\uff0c\u537b\u5728\u95dc\u9375\u6642\u523b\u4e00\u518d\u5ef6\u5f8c\u3001\u653e\u68c4\u6216\u53cd\u5411\u64cd\u4f5c\uff0c\u8b93\u898f\u5283\u505c\u5728\u7d19\u4e0a\u3002 \u5ef6\u7e8c\u5c0d\u300c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u300d\u7684\u7cfb\u5217\u6574\u7406\uff0c\u672c\u7bc7\u805a\u7126\u9019\u500b\u6700\u5e38\u898b\u3001\u537b\u6700\u5bb9\u6613\u88ab\u8aa4\u89e3\u7684\u60c5\u5883\uff1a\u70ba\u4ec0\u9ebc\u300c\u7406\u89e3\u300d\u4e0d\u7b49\u65bc\u300c\u884c\u52d5\u300d\uff1f \u4e00\u3001\u6709\u6548\u6e9d\u901a Effective Communication \u70ba\u4f55\u4e0d\u8db3\u4ee5\u63a8\u52d5\u884c\u52d5 \u5728\u591a\u6578\u7406\u8ca1\u4e92\u52d5\u4e2d\uff0c\u6e9d\u901a\u662f\u5426\u6210\u529f\uff0c\u5e38\u88ab\u7c21\u5316\u70ba\u300c\u5c0d\u65b9\u6709\u6c92\u6709\u807d\u61c2\u300d\u3002\u7136\u800c\uff0c\u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u7684\u5236\u5ea6\u8a9e\u5883\u4e2d\uff0cEffective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09 \u4e26\u4e0d\u53ea\u6307\u8cc7\u8a0a\u662f\u5426\u6e05\u695a\uff0c\u800c\u5728\u65bc\u662f\u5426\u652f\u6301\u884c\u52d5\u767c\u751f\u6240\u9700\u7684\u5fc3\u7406\u689d\u4ef6\u3002 \u5373\u4f7f\u5efa\u8b70\u672c\u8eab\u5408\u4e4e\u908f\u8f2f\u3001\u7d50\u69cb\u5b8c\u6574\uff0c\u82e5\u672a\u4e8b\u5148\u8655\u7406\u884c\u52d5\u6642\u6703\u51fa\u73fe\u7684\u7336\u8c6b\u3001\u62d6\u5ef6\u8207\u6050\u61fc\uff0c\u7406\u89e3\u672c\u8eab\u4e26\u4e0d\u8db3\u4ee5\u4fc3\u6210\u6539\u8b8a\u3002\u9019\u4e5f\u662f\u70ba\u4ec0\u9ebc\uff0c\u6709\u4e9b\u770b\u4f3c\u5b8c\u7f8e\u7684\u8a08\u756b\uff0c\u6700\u7d42\u4ecd\u505c\u7559\u5728\u7d19\u4e0a\u3002 \u5728 CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e0b\uff0c\u6e9d\u901a\u7684\u76ee\u6a19\u5f9e\u4f86\u4e0d\u662f\u300c\u8aaa\u670d\u300d\uff0c\u800c\u662f\u8b93\u6c7a\u7b56\u5728\u884c\u70ba\u5c64\u9762\u4e5f\u80fd\u6210\u7acb\u3002 \u4e8c\u3001\u884c\u70ba\u504f\u8aa4 Behavioral Biases \u5982\u4f55\u8b93\u884c\u52d5\u4e00\u518d\u88ab\u5ef6\u5f8c \u7576\u884c\u70ba\u5373\u5c07\u767c\u751f\u6642\uff0cBehavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\u5f80\u5f80\u958b\u59cb\u4ecb\u5165\u3002\u4eba\u5011\u53ef\u80fd\u9ad8\u4f30\u672a\u4f86\u81ea\u5df1\u6703\u66f4\u6709\u6642\u9593\u3001\u66f4\u6709\u6e96\u5099\uff0c\u6216\u4f4e\u4f30\u73fe\u5728\u884c\u52d5\u7684\u5fc5\u8981\u6027\u3002 \u5e38\u898b\u7684\u60c5\u6cc1\u5305\u62ec\uff1a \u660e\u77e5\u9053\u61c9\u8a72\u8abf\u6574\u914d\u7f6e\uff0c\u537b\u56e0\u5bb3\u6015\u77ed\u671f\u6ce2\u52d5\u800c\u5ef6\u5f8c\uff1b \u7406\u89e3\u5132\u84c4\u7684\u91cd\u8981\uff0c\u537b\u5728\u9762\u5c0d\u5373\u6642\u8a98\u60d1\u6642\u9078\u64c7\u59a5\u5354\u3002 \u9019\u985e\u53cd\u61c9\u4e26\u975e\u7f3a\u4e4f\u610f\u5fd7\u529b\uff0c\u800c\u662f\u4eba\u985e\u5728\u4e0d\u78ba\u5b9a\u8207\u640d\u5931\u53ef\u80fd\u6027\u4e0b\u7684\u81ea\u7136\u50be\u5411\uff08\u5982\u5e38\u898b\u7684 \u73fe\u72c0\u504f\u5dee\uff09\u3002\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u95dc\u6ce8\u7684\uff0c\u6b63\u662f\u9019\u4e9b\u504f\u8aa4\u5982\u4f55\u5728\u300c\u6700\u5f8c\u4e00\u54e9\u8def\u300d\u626d\u66f2\u539f\u672c\u5408\u7406\u7684\u5224\u65b7\u3002 \u4e09\u3001\u70ba\u4ec0\u9ebc\u8d8a\u6e05\u695a\u7684\u5efa\u8b70\uff0c\u6709\u6642\u53cd\u800c\u8d8a\u96e3\u57f7\u884c \u5f9e\u6c7a\u7b56\u5fc3\u7406\u7684\u89d2\u5ea6\u4f86\u770b\uff0c\u904e\u65bc\u5b8c\u6574\u3001\u4e00\u6b21\u5230\u4f4d\u7684\u5efa\u8b70\uff0c\u53cd\u800c\u53ef\u80fd\u653e\u5927\u5fc3\u7406\u8ca0\u64d4\u3002 \u7576\u9078\u9805\u904e\u591a\u3001\u6b65\u9a5f\u904e\u65bc\u7406\u60f3\u5316\uff0c\u884c\u70ba\u504f\u8aa4\u6703\u63a8\u52d5\u4eba\u5011\u9078\u64c7\u300c\u66ab\u6642\u4e0d\u52d5\u300d\uff0c\u4ee5\u907f\u514d\u72af\u932f\u3002\u6b64\u6642\uff0c\u5373\u4f7f Effective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09\u5df2\u7d93\u5b8c\u6210\uff0c\u884c\u70ba\u5c64\u9762\u7684\u652f\u6301\u537b\u5c1a\u672a\u5230\u4f4d\u3002 \u9019\u7a2e\u72c0\u614b\u5e38\u88ab\u8aa4\u5224\u70ba\u4e0d\u914d\u5408\u3001\u4e0d\u91cd\u8996\uff0c\u5be6\u969b\u4e0a\u537b\u662f\u5fc3\u7406\u6a5f\u5236\u5728\u81ea\u6211\u4fdd\u8b77\u3002 \u56db\u3001\u884c\u70ba\u652f\u6301\uff0c\u624d\u662f\u6e9d\u901a\u7684\u4e0b\u4e00\u6b65 \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u4e2d\uff0c\u771f\u6b63\u80fd\u63a8\u52d5\u6539\u8b8a\u7684\uff0c\u4e26\u975e\u66f4\u591a\u8aaa\u660e\uff0c\u800c\u662f\u884c\u70ba\u652f\u6301\u7684\u8a2d\u8a08\u3002 \u9019\u610f\u5473\u8457\uff0c\u9664\u4e86\u8aaa\u660e\u7406\u7531\uff0c\u9084\u9700\u8981\u5354\u52a9\u4e8b\u524d\u8fa8\u8b58\u884c\u52d5\u6642\u53ef\u80fd\u51fa\u73fe\u7684\u504f\u8aa4\uff0c\u4e26\u70ba\u9019\u4e9b\u60c5\u5883\u8a2d\u8a08\u7de9\u885d\u3001\u5206\u6bb5\u8207\u66ff\u4ee3\u65b9\u6848\u3002\u7576 Effective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09\u80fd\u7d0d\u5165\u5c0d Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09 \u7684\u7406\u89e3\uff0c\u884c\u52d5\u4fbf\u4e0d\u518d\u53ea\u4f9d\u8cf4\u6c7a\u5fc3\uff0c\u800c\u662f\u88ab\u7d50\u69cb\u6027\u5730\u652f\u6301\u3002 \u9019\u6b63\u662f CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e2d\uff0c\u7406\u8ca1\u898f\u5283\u89d2\u8272\u4e0d\u53ef\u88ab\u7c21\u5316\u70ba\u300c\u5efa\u8b70\u63d0\u4f9b\u8005\u300d\u7684\u539f\u56e0\u3002 \u4e94\u3001\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u5982\u4f55\u770b\u5f85\u300c\u505a\u4e0d\u5230\u300d \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u7684\u8996\u89d2\u4e2d\uff0c\u300c\u505a\u4e0d\u5230\u300d\u4e26\u4e0d\u7b49\u65bc\u62d2\u7d55\u6216\u5931\u6557\u3002 \u5b83\u66f4\u50cf\u662f\u4e00\u500b\u8a0a\u865f\uff0c\u63d0\u9192\u6211\u5011\uff1a\u5728\u7406\u89e3\u8207\u884c\u52d5\u4e4b\u9593\uff0c\u4ecd\u6709\u5c1a\u672a\u88ab\u8655\u7406\u7684\u5fc3\u7406\u74b0\u7bc0\u3002\u7576\u884c\u70ba\u504f\u8aa4\u88ab\u7d0d\u5165\u8003\u91cf\uff0c\u898f\u5283\u624d\u80fd\u5f9e\u55ae\u5411\u5efa\u8b70\uff0c\u8f49\u70ba\u771f\u6b63\u53ef\u57f7\u884c\u7684\u6c7a\u7b56\u652f\u6301\u3002 \u66f4\u9032\u4e00\u6b65\u7684\u5167\u6db5\uff0c\u53ef\u53c3\u8003IF |\u300c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u300d\u5b9a\u7fa9\u53ca\u76f8\u95dc\u7cfb\u5217\u8aaa\u660e\u3002 \u516d\u3001\u5ef6\u4f38\u95b1\u8b80 \u672c\u7cfb\u5217\u5148\u524d\u5df2\u6574\u7406\u300c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u300d\u7684\u5b9a\u7fa9\u8207\u80cc\u666f\uff0c\u8aaa\u660e\u5176\u5982\u4f55\u88dc\u8db3\u50b3\u7d71\u4ee5\u7406\u89e3\u8207\u8a08\u7b97\u70ba\u6838\u5fc3\u7684\u7406\u8ca1\u65b9\u5f0f\uff0c\u4e26\u5354\u52a9\u8655\u7406\u884c\u70ba\u5c64\u9762\u7684\u843d\u5dee\uff0c\u4e26\u5728\u9762\u5c0d\u7406\u8ca1\u898f\u5283\u6642\u63d0\u4f9b\u66f4\u5b8c\u6574\u7684\u6c7a\u7b56\u652f\u6301\u3002 Effective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09\uff1a\u300aGeneral Principles of Effective Communication\u300b\u5c0d\u61c9\u7ae0\u7bc0\uff1aChapter 11-12 (Part V) Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff1a\u300aUnderstanding Your Client\u2019s Financial Behaviors\u300b\u5c0d\u61c9\u7ae0\u7bc0\uff1aChapter 2 &amp; 5 \u592b\u59bb\u70ba\u4ec0\u9ebc\u7e3d\u5728\u7406\u8ca1\u4e0a\u5435\u67b6\uff1f\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP1 \u6295\u8cc7\u6c92\u6709\u8667\u9322\uff0c\u70ba\u4ec0\u9ebc\u9084\u662f\u7761\u4e0d\u597d\uff1f | \u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP2 \u9000\u4f11\u771f\u6b63\u8b93\u4eba\u7126\u616e\u7684\uff0c\u5f80\u5f80\u4e0d\u662f\u9322\u4e0d\u5920\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP3 \u6b64\u7bc7\u6587\u7ae0\u6700\u958b\u59cb\u51fa\u8655\u70ba: \u70ba\u4ec0\u9ebc\u807d\u904e\u5f88\u591a\u7406\u8ca1\u5efa\u8b70\uff0c\u537b\u4e00\u500b\u90fd\u505a\u4e0d\u5230\uff1f\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP4","og_url":"https:\/\/pingtungtimes.com.tw\/?p=408961","og_site_name":"\u5c4f\u6771\u6642\u5831\u96fb\u5b50\u5831","article_publisher":"https:\/\/www.facebook.com\/pingtungnews","article_published_time":"2026-02-08T09:42:47+00:00","og_image":[{"width":1706,"height":960,"url":"https:\/\/pingtungtimes.com.tw\/wp-content\/uploads\/2023\/02\/logo-150.png","type":"image\/jpeg"}],"author":"\u58a8\u65b0\u805e","twitter_card":"summary_large_image","twitter_misc":{"\u4f5c\u8005:":"\u58a8\u65b0\u805e"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/pingtungtimes.com.tw\/?p=408961#article","isPartOf":{"@id":"https:\/\/pingtungtimes.com.tw\/?p=408961"},"author":{"name":"\u58a8\u65b0\u805e","@id":"https:\/\/pingtungtimes.com.tw\/#\/schema\/person\/f94298183f8c6a6728bf98784fa54601"},"headline":"\u70ba\u4ec0\u9ebc\u807d\u904e\u5f88\u591a\u7406\u8ca1\u5efa\u8b70\uff0c\u537b\u4e00\u500b\u90fd\u505a\u4e0d\u5230\uff1f\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 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\u5c4f\u6771\u6642\u5831\u96fb\u5b50\u5831","isPartOf":{"@id":"https:\/\/pingtungtimes.com.tw\/#website"},"primaryImageOfPage":{"@id":"https:\/\/pingtungtimes.com.tw\/?p=408961#primaryimage"},"image":{"@id":"https:\/\/pingtungtimes.com.tw\/?p=408961#primaryimage"},"thumbnailUrl":"https:\/\/pingtungtimes.com.tw\/wp-content\/uploads\/2026\/02\/IF_FinQ-Academy_Psychology-of-Financial-Planning_EP4_CFP_Effective-Communication_Behavioral-Biases_Action-Gap.webp","datePublished":"2026-02-08T09:42:47+00:00","description":"\u58a8\u65b0\u805e\uff5c\u8a18\u8005\u5a01\u91d1\uff0f\u53f0\u5317\u5831\u5c0e\u5728 CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e0b\uff0c\u5f9e\u300c\u6709\u6548\u6e9d\u901a\u300d\u8207\u300c\u884c\u70ba\u504f\u8aa4\u300d\u7406\u89e3\u77e5\u9053\u8207\u505a\u5230\u4e4b\u9593\u7684\u843d\u5dee | IF \u7406\u8ca1\u5546\u5b78\u9662 \u4f5c\u8005\uff5c\u9673\u7d00\u8c6a IF \u7406\u8ca1\u5546\u5b78\u9662\uff5cFinQ Academy \u7e3d\u7d93\u7406 \u524d\u8a00\uff1a\u5ef6\u7e8c\u524d\u4e00\u7bc7\u5c0d\u9000\u4f11\u7126\u616e\u7684\u8a0e\u8ad6\uff0c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u6307\u51fa\uff0c\u8a31\u591a\u770b\u4f3c\u300c\u7406\u6027\u5145\u5206\u300d\u7684\u6c7a\u7b56\u5361\u95dc\uff0c\u4e26\u975e\u51fa\u5728\u8cc7\u8a0a\u4e0d\u8db3\uff0c\u800c\u662f\u51fa\u5728\u884c\u70ba\u7121\u6cd5\u88ab\u652f\u6301\u3002 \u5728 CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e2d\uff0c\u7406\u8ca1\u898f\u5283\u7684\u89d2\u8272\u4e0d\u53ea\u662f\u52a9\u4eba\u7406\u89e3\u9078\u9805\uff0c\u66f4\u662f\u5728\u4e0d\u540c\u6c7a\u7b56\u60c5\u5883\u4e0b\uff0c\u63d0\u4f9b\u7d50\u69cb\u5316\u7684\u300c\u6c7a\u7b56\u652f\u6301\uff08Decision Support\uff09\u300d\u3002\u7576\u9019\u5c64\u652f\u6301\u4e0d\u8db3\u6642\uff0c\u5373\u4f7f\u65b9\u5411\u6b63\u78ba\uff0c\u884c\u52d5\u4ecd\u53ef\u80fd\u53cd\u8986\u5ef6\u5b95\u3001\u505c\u6eef\uff0c\u751a\u81f3\u53cd\u5411\u767c\u751f\u3002 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\u4e00\u3001\u6709\u6548\u6e9d\u901a Effective Communication \u70ba\u4f55\u4e0d\u8db3\u4ee5\u63a8\u52d5\u884c\u52d5 \u5728\u591a\u6578\u7406\u8ca1\u4e92\u52d5\u4e2d\uff0c\u6e9d\u901a\u662f\u5426\u6210\u529f\uff0c\u5e38\u88ab\u7c21\u5316\u70ba\u300c\u5c0d\u65b9\u6709\u6c92\u6709\u807d\u61c2\u300d\u3002\u7136\u800c\uff0c\u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u7684\u5236\u5ea6\u8a9e\u5883\u4e2d\uff0cEffective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09 \u4e26\u4e0d\u53ea\u6307\u8cc7\u8a0a\u662f\u5426\u6e05\u695a\uff0c\u800c\u5728\u65bc\u662f\u5426\u652f\u6301\u884c\u52d5\u767c\u751f\u6240\u9700\u7684\u5fc3\u7406\u689d\u4ef6\u3002 \u5373\u4f7f\u5efa\u8b70\u672c\u8eab\u5408\u4e4e\u908f\u8f2f\u3001\u7d50\u69cb\u5b8c\u6574\uff0c\u82e5\u672a\u4e8b\u5148\u8655\u7406\u884c\u52d5\u6642\u6703\u51fa\u73fe\u7684\u7336\u8c6b\u3001\u62d6\u5ef6\u8207\u6050\u61fc\uff0c\u7406\u89e3\u672c\u8eab\u4e26\u4e0d\u8db3\u4ee5\u4fc3\u6210\u6539\u8b8a\u3002\u9019\u4e5f\u662f\u70ba\u4ec0\u9ebc\uff0c\u6709\u4e9b\u770b\u4f3c\u5b8c\u7f8e\u7684\u8a08\u756b\uff0c\u6700\u7d42\u4ecd\u505c\u7559\u5728\u7d19\u4e0a\u3002 \u5728 CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e0b\uff0c\u6e9d\u901a\u7684\u76ee\u6a19\u5f9e\u4f86\u4e0d\u662f\u300c\u8aaa\u670d\u300d\uff0c\u800c\u662f\u8b93\u6c7a\u7b56\u5728\u884c\u70ba\u5c64\u9762\u4e5f\u80fd\u6210\u7acb\u3002 \u4e8c\u3001\u884c\u70ba\u504f\u8aa4 Behavioral Biases \u5982\u4f55\u8b93\u884c\u52d5\u4e00\u518d\u88ab\u5ef6\u5f8c \u7576\u884c\u70ba\u5373\u5c07\u767c\u751f\u6642\uff0cBehavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\u5f80\u5f80\u958b\u59cb\u4ecb\u5165\u3002\u4eba\u5011\u53ef\u80fd\u9ad8\u4f30\u672a\u4f86\u81ea\u5df1\u6703\u66f4\u6709\u6642\u9593\u3001\u66f4\u6709\u6e96\u5099\uff0c\u6216\u4f4e\u4f30\u73fe\u5728\u884c\u52d5\u7684\u5fc5\u8981\u6027\u3002 \u5e38\u898b\u7684\u60c5\u6cc1\u5305\u62ec\uff1a \u660e\u77e5\u9053\u61c9\u8a72\u8abf\u6574\u914d\u7f6e\uff0c\u537b\u56e0\u5bb3\u6015\u77ed\u671f\u6ce2\u52d5\u800c\u5ef6\u5f8c\uff1b \u7406\u89e3\u5132\u84c4\u7684\u91cd\u8981\uff0c\u537b\u5728\u9762\u5c0d\u5373\u6642\u8a98\u60d1\u6642\u9078\u64c7\u59a5\u5354\u3002 \u9019\u985e\u53cd\u61c9\u4e26\u975e\u7f3a\u4e4f\u610f\u5fd7\u529b\uff0c\u800c\u662f\u4eba\u985e\u5728\u4e0d\u78ba\u5b9a\u8207\u640d\u5931\u53ef\u80fd\u6027\u4e0b\u7684\u81ea\u7136\u50be\u5411\uff08\u5982\u5e38\u898b\u7684 \u73fe\u72c0\u504f\u5dee\uff09\u3002\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u95dc\u6ce8\u7684\uff0c\u6b63\u662f\u9019\u4e9b\u504f\u8aa4\u5982\u4f55\u5728\u300c\u6700\u5f8c\u4e00\u54e9\u8def\u300d\u626d\u66f2\u539f\u672c\u5408\u7406\u7684\u5224\u65b7\u3002 \u4e09\u3001\u70ba\u4ec0\u9ebc\u8d8a\u6e05\u695a\u7684\u5efa\u8b70\uff0c\u6709\u6642\u53cd\u800c\u8d8a\u96e3\u57f7\u884c \u5f9e\u6c7a\u7b56\u5fc3\u7406\u7684\u89d2\u5ea6\u4f86\u770b\uff0c\u904e\u65bc\u5b8c\u6574\u3001\u4e00\u6b21\u5230\u4f4d\u7684\u5efa\u8b70\uff0c\u53cd\u800c\u53ef\u80fd\u653e\u5927\u5fc3\u7406\u8ca0\u64d4\u3002 \u7576\u9078\u9805\u904e\u591a\u3001\u6b65\u9a5f\u904e\u65bc\u7406\u60f3\u5316\uff0c\u884c\u70ba\u504f\u8aa4\u6703\u63a8\u52d5\u4eba\u5011\u9078\u64c7\u300c\u66ab\u6642\u4e0d\u52d5\u300d\uff0c\u4ee5\u907f\u514d\u72af\u932f\u3002\u6b64\u6642\uff0c\u5373\u4f7f Effective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09\u5df2\u7d93\u5b8c\u6210\uff0c\u884c\u70ba\u5c64\u9762\u7684\u652f\u6301\u537b\u5c1a\u672a\u5230\u4f4d\u3002 \u9019\u7a2e\u72c0\u614b\u5e38\u88ab\u8aa4\u5224\u70ba\u4e0d\u914d\u5408\u3001\u4e0d\u91cd\u8996\uff0c\u5be6\u969b\u4e0a\u537b\u662f\u5fc3\u7406\u6a5f\u5236\u5728\u81ea\u6211\u4fdd\u8b77\u3002 \u56db\u3001\u884c\u70ba\u652f\u6301\uff0c\u624d\u662f\u6e9d\u901a\u7684\u4e0b\u4e00\u6b65 \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u4e2d\uff0c\u771f\u6b63\u80fd\u63a8\u52d5\u6539\u8b8a\u7684\uff0c\u4e26\u975e\u66f4\u591a\u8aaa\u660e\uff0c\u800c\u662f\u884c\u70ba\u652f\u6301\u7684\u8a2d\u8a08\u3002 \u9019\u610f\u5473\u8457\uff0c\u9664\u4e86\u8aaa\u660e\u7406\u7531\uff0c\u9084\u9700\u8981\u5354\u52a9\u4e8b\u524d\u8fa8\u8b58\u884c\u52d5\u6642\u53ef\u80fd\u51fa\u73fe\u7684\u504f\u8aa4\uff0c\u4e26\u70ba\u9019\u4e9b\u60c5\u5883\u8a2d\u8a08\u7de9\u885d\u3001\u5206\u6bb5\u8207\u66ff\u4ee3\u65b9\u6848\u3002\u7576 Effective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09\u80fd\u7d0d\u5165\u5c0d Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09 \u7684\u7406\u89e3\uff0c\u884c\u52d5\u4fbf\u4e0d\u518d\u53ea\u4f9d\u8cf4\u6c7a\u5fc3\uff0c\u800c\u662f\u88ab\u7d50\u69cb\u6027\u5730\u652f\u6301\u3002 \u9019\u6b63\u662f CFP\u00ae \u5c08\u696d\u80fd\u529b\u9ad4\u7cfb\u4e2d\uff0c\u7406\u8ca1\u898f\u5283\u89d2\u8272\u4e0d\u53ef\u88ab\u7c21\u5316\u70ba\u300c\u5efa\u8b70\u63d0\u4f9b\u8005\u300d\u7684\u539f\u56e0\u3002 \u4e94\u3001\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u5982\u4f55\u770b\u5f85\u300c\u505a\u4e0d\u5230\u300d \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u7684\u8996\u89d2\u4e2d\uff0c\u300c\u505a\u4e0d\u5230\u300d\u4e26\u4e0d\u7b49\u65bc\u62d2\u7d55\u6216\u5931\u6557\u3002 \u5b83\u66f4\u50cf\u662f\u4e00\u500b\u8a0a\u865f\uff0c\u63d0\u9192\u6211\u5011\uff1a\u5728\u7406\u89e3\u8207\u884c\u52d5\u4e4b\u9593\uff0c\u4ecd\u6709\u5c1a\u672a\u88ab\u8655\u7406\u7684\u5fc3\u7406\u74b0\u7bc0\u3002\u7576\u884c\u70ba\u504f\u8aa4\u88ab\u7d0d\u5165\u8003\u91cf\uff0c\u898f\u5283\u624d\u80fd\u5f9e\u55ae\u5411\u5efa\u8b70\uff0c\u8f49\u70ba\u771f\u6b63\u53ef\u57f7\u884c\u7684\u6c7a\u7b56\u652f\u6301\u3002 \u66f4\u9032\u4e00\u6b65\u7684\u5167\u6db5\uff0c\u53ef\u53c3\u8003IF |\u300c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u300d\u5b9a\u7fa9\u53ca\u76f8\u95dc\u7cfb\u5217\u8aaa\u660e\u3002 \u516d\u3001\u5ef6\u4f38\u95b1\u8b80 \u672c\u7cfb\u5217\u5148\u524d\u5df2\u6574\u7406\u300c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u300d\u7684\u5b9a\u7fa9\u8207\u80cc\u666f\uff0c\u8aaa\u660e\u5176\u5982\u4f55\u88dc\u8db3\u50b3\u7d71\u4ee5\u7406\u89e3\u8207\u8a08\u7b97\u70ba\u6838\u5fc3\u7684\u7406\u8ca1\u65b9\u5f0f\uff0c\u4e26\u5354\u52a9\u8655\u7406\u884c\u70ba\u5c64\u9762\u7684\u843d\u5dee\uff0c\u4e26\u5728\u9762\u5c0d\u7406\u8ca1\u898f\u5283\u6642\u63d0\u4f9b\u66f4\u5b8c\u6574\u7684\u6c7a\u7b56\u652f\u6301\u3002 Effective Communication\uff08\u6709\u6548\u6e9d\u901a\uff09\uff1a\u300aGeneral Principles of Effective Communication\u300b\u5c0d\u61c9\u7ae0\u7bc0\uff1aChapter 11-12 (Part V) Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff1a\u300aUnderstanding Your Client\u2019s Financial Behaviors\u300b\u5c0d\u61c9\u7ae0\u7bc0\uff1aChapter 2 &amp; 5 \u592b\u59bb\u70ba\u4ec0\u9ebc\u7e3d\u5728\u7406\u8ca1\u4e0a\u5435\u67b6\uff1f\uff5c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP1 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