{"id":409120,"date":"2026-02-09T10:54:49","date_gmt":"2026-02-09T02:54:49","guid":{"rendered":"https:\/\/pingtungtimes.com.tw\/?p=409120"},"modified":"2026-02-09T10:54:49","modified_gmt":"2026-02-09T02:54:49","slug":"%e5%8f%aa%e8%81%bd%e3%80%8c%e5%a0%b1%e5%90%8d%e7%89%8c%e3%80%8d%e5%a4%a0%e5%97%8e%ef%bc%9f%e5%b8%82%e5%a0%b4%e9%9c%87%e7%9b%aa%e4%b8%8b%ef%bc%8c%e5%b0%88%e6%a5%ad%e5%88%a4%e6%96%b7%e7%82%ba%e4%bd%95","status":"publish","type":"post","link":"https:\/\/pingtungtimes.com.tw\/?p=409120","title":{"rendered":"\u53ea\u807d\u300c\u5831\u540d\u724c\u300d\u5920\u55ce\uff1f\u5e02\u5834\u9707\u76ea\u4e0b\uff0c\u5c08\u696d\u5224\u65b7\u70ba\u4f55\u5bb9\u6613\u5931\u771f | \u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP5"},"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>\u6295\u8cc7\u8001\u5e2b\u89e3\u91cb\u7684\u662f\u5e02\u5834\uff0c\u7406\u8ca1\u9867\u554f\u966a\u4f34\u7684\u662f\u4eba\u751f\u3002<\/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\u884c\u70ba\u504f\u8aa4\u7684\u8a0e\u8ad6\uff0c\u7576\u5e02\u5834\u5287\u70c8\u6ce2\u52d5\u3001\u8a0a\u606f\u92ea\u5929\u84cb\u5730\u6642\uff0c\u591a\u6578\u4eba\u6700\u5148\u611f\u5230\u56f0\u60d1\u7684\uff0c\u5f80\u5f80\u4e0d\u662f\u7522\u54c1\u672c\u8eab\uff0c\u800c\u662f\u2014\u2014<strong>\u70ba\u4ec0\u9ebc\u300c\u4e4b\u524d\u770b\u8d77\u4f86\u5f88\u5c08\u696d\u7684\u5efa\u8b70\u300d\uff0c\u7a81\u7136\u8b8a\u5f97\u4e0d\u90a3\u9ebc\u53ef\u9760\uff1f<\/strong><\/p>\n<p>\u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u4e2d\uff0c<strong>Professional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09<\/strong> \u6307\u7684\u662f\u5c08\u696d\u4eba\u54e1\u5728\u9ad8\u5ea6\u4e0d\u78ba\u5b9a\u8207\u58d3\u529b\u60c5\u5883\u4e0b\uff0c\u4ecd\u80fd\u7dad\u6301\u6c7a\u7b56\u4e00\u81f4\u6027\u8207\u9577\u671f\u908f\u8f2f\u7684\u80fd\u529b\uff1b\u800c <strong>Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09<\/strong>\uff0c\u5247\u662f\u5728\u5e02\u5834\u9707\u76ea\u3001\u60c5\u7dd2\u5347\u9ad8\u6642\uff0c\u7cfb\u7d71\u6027\u626d\u66f2\u9019\u7a2e\u5224\u65b7\u7684\u5fc3\u7406\u6a5f\u5236\u3002<\/p>\n<p>\u9019\u6b63\u662f IF \u7406\u8ca1\u5546\u5b78\u9662 EP5 \u8981\u63a2\u8a0e\u7684\u6838\u5fc3\u554f\u984c\u3002<\/p>\n<h3><strong>\u4e00\u3001<\/strong><strong>\u70ba\u4ec0\u9ebc\u5e02\u5834\u9707\u76ea\u6642\uff0c\u5c08\u696d\u5224\u65b7\u53cd\u800c\u66f4\u5bb9\u6613\u8b8a\u5f62\uff1f<\/strong><\/h3>\n<p>\u591a\u6578\u4eba\u4ee5\u70ba\uff0c\u5c08\u696d\u4f86\u81ea\u77e5\u8b58\u3001\u7d93\u9a57\u8207\u7406\u6027\u8a08\u7b97\u3002\u53ea\u8981\u5206\u6790\u5920\u5b8c\u6574\uff0c\u5224\u65b7\u81ea\u7136\u6703\u6b63\u78ba\u3002<\/p>\n<p>\u4f46\u5fc3\u7406\u5b78\u8207\u6c7a\u7b56\u79d1\u5b78\u53cd\u8986\u8b49\u5be6\uff1a<strong>Professional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09\u4e26\u4e0d\u662f\u514d\u75ab\u9ad4\u7cfb\u3002<\/strong>\u7576\u5e02\u5834\u6025\u8dcc\u3001\u8cac\u4efb\u88ab\u653e\u5927\u3001\u5ba2\u6236\u60c5\u7dd2\u5347\u9ad8\u6642\uff0c\u5c08\u696d\u8005\u7684\u5927\u8166\u540c\u6a23\u6703\u555f\u52d5\u5178\u578b\u7684 <strong>Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09<\/strong>\uff1a<\/p>\n<ul>\n<li><strong>\u640d\u5931\u898f\u907f<\/strong>\uff1a\u5be7\u53ef\u4e0d\u52d5\u4f5c\uff0c\u4e5f\u4e0d\u9858\u627f\u64d4\u88ab\u6307\u8cac\u7684\u98a8\u96aa<\/li>\n<li><strong>\u904e\u5ea6\u4fdd\u5b88<\/strong>\uff1a\u628a\u300c\u4e0d\u51fa\u932f\u300d\u8aa4\u7576\u6210\u300c\u6700\u5b89\u5168\u300d<\/li>\n<li><strong>\u4e8b\u5f8c\u5408\u7406\u5316<\/strong>\uff1a\u7528\u570b\u969b\u60c5\u52e2\u3001\u653f\u6cbb\u6216\u6578\u64da\uff0c\u70ba\u5931\u6e96\u7684\u5224\u65b7\u627e\u7406\u7531<\/li>\n<\/ul>\n<p>\u7d50\u679c\u662f\uff0c\u539f\u672c\u61c9\u8a72\u670d\u52d9\u9577\u671f\u4eba\u751f\u6c7a\u7b56\u7684 <strong>\u5c08\u696d\u5224\u65b7<\/strong>\uff0c\u5728\u9ad8\u58d3\u60c5\u5883\u4e0b\uff0c\u9000\u5316\u6210\u77ed\u671f\u60c5\u7dd2\u7ba1\u7406\u5de5\u5177\u3002\u9019\u4e0d\u662f\u5c08\u696d\u4e0d\u5920\uff0c\u800c\u662f <strong>\u5c08\u696d\u5728\u58d3\u529b\u4e0b\uff0c\u7f3a\u4e4f\u5236\u5ea6\u6027\u4fdd\u8b77\u7684\u5fc5\u7136\u7d50\u679c<\/strong>\u3002<\/p>\n<h3><strong>\u4e8c\u3001<\/strong><strong>\u6295\u8cc7\u8001\u5e2b <\/strong><strong>VS <\/strong><strong>\u7406\u8ca1\u9867\u554f <\/strong><strong>\u2014 <\/strong><strong>\u627f\u64d4<\/strong><strong>\u4e0d<\/strong><strong>\u540c<\/strong><strong>\u7684<\/strong><strong>\u5224\u65b7\u8cac\u4efb<\/strong><\/h3>\n<p>\u53f0\u7063\u6295\u8cc7\u5e02\u5834\u6709\u4e00\u500b\u975e\u5e38\u9bae\u660e\u3001\u537b\u7d93\u5e38\u88ab\u6df7\u7528\u7684\u89d2\u8272\u5dee\u7570\u3002\u591a\u6578\u4eba\u7fd2\u6163\u628a\u89e3\u8b80\u884c\u60c5\u3001\u5206\u6790\u500b\u80a1\u3001\u5e36\u9032\u5e36\u51fa\u7684\u4eba\u7a31\u70ba\u300c\u8001\u5e2b\u300d\u3002\u9019\u985e\u89d2\u8272\uff0c\u4e3b\u8981\u95dc\u6ce8\u7684\u662f\uff1a<\/p>\n<ul>\n<li>\u67d0\u4e00\u6bb5\u884c\u60c5<\/li>\n<li>\u67d0\u4e00\u6a94\u6a19\u7684<\/li>\n<li>\u77ed\u671f\u7e3e\u6548\u8207\u89e3\u91cb\u6b0a<\/li>\n<\/ul>\n<p>\u884c\u60c5\u4e0a\u6f32\u6642\uff0c\u6230\u7e3e\u88ab\u653e\u5927\uff1b\u884c\u60c5\u4e0b\u8dcc\u6642\uff0c\u7406\u7531\u4e5f\u6703\u8ddf\u8457\u8b8a\u591a\u3002\u9019\u4e0d\u662f\u5c0d\u932f\u554f\u984c\uff0c\u800c\u662f\u56e0\u70ba\u9019\u985e\u5224\u65b7\uff0c\u672c\u4f86\u5c31\u88ab\u8a2d\u5b9a\u5728<strong>\u77ed\u6642\u9593\u5c3a\u5ea6<\/strong>\u4e4b\u4e2d\u3002<\/p>\n<p><strong>\u7406\u8ca1\u9867\u554f\uff08CFP\u00ae\uff09\u6240\u627f\u64d4\u7684\uff0c\u537b\u662f\u53e6\u4e00\u7a2e\u5b8c\u5168\u4e0d\u540c\u7684\u5224\u65b7\u8cac\u4efb\u3002<\/strong>\u7406\u8ca1\u898f\u5283\u95dc\u5fc3\u7684\uff0c\u4e0d\u662f\u4e00\u6b21\u9032\u51fa\u5834\u662f\u5426\u6f02\u4eae\uff0c\u800c\u662f\u4e00\u500b\u4eba\uff0c\u80fd\u4e0d\u80fd\u5728\u5e02\u5834\u6ce2\u52d5\u8207\u4eba\u751f\u8f49\u6298\u4e2d\uff0c<strong>\u7dad\u6301\u6574\u9ad4\u6c7a\u7b56\u7684\u7a69\u5b9a\u6027\u8207\u5b89\u5168\u6027<\/strong>\u3002<\/p>\n<h3><strong>\u4e09\u3001<\/strong><strong>\u7576\u6c7a\u7b56\u5c3a\u5ea6\u62c9\u5230\u300c\u5168\u751f\u547d\u9031\u671f\u300d\uff0c\u5e02\u5834\u6ce2\u52d5\u5c31\u4e0d\u518d\u662f\u552f\u4e00\u7b54\u6848<\/strong><\/h3>\n<p>\u4e00\u65e6\u5224\u65b7\u5c3a\u5ea6\u62c9\u9577\u5230\u5168\u751f\u547d\u9031\u671f\uff0c\u7406\u8ca1\u898f\u5283\u6240\u8655\u7406\u7684\u554f\u984c\uff0c\u5c31\u6703\u5fb9\u5e95\u4e0d\u540c\u3002\u5b83\u5fc5\u9808\u540c\u6642\u601d\u8003\uff1a<\/p>\n<ul>\n<li>\u6536\u5165\u8207\u73fe\u91d1\u6d41\u662f\u5426\u8db3\u4ee5\u652f\u6490\u751f\u6d3b<\/li>\n<li>\u98a8\u96aa\u662f\u5426\u5df2\u7531\u4fdd\u96aa\u8207\u9810\u5099\u91d1\u627f\u63a5<\/li>\n<li>\u8cc7\u7522\u5982\u4f55\u5728\u80a1\u7968\u3001\u57fa\u91d1\u3001\u50b5\u5238\u3001\u623f\u5730\u7522\u4e4b\u9593\u53d6\u5f97\u5e73\u8861<\/li>\n<li>\u5728\u9000\u4f11\u3001\u75be\u75c5\u3001\u5931\u80fd\u3001\u5bb6\u5ead\u8b8a\u52d5\u6642\uff0c\u6c7a\u7b56\u662f\u5426\u4ecd\u7136\u7ad9\u5f97\u4f4f<\/li>\n<li>\u8cc7\u7522\u5982\u4f55\u5728\u4e16\u4ee3\u4e4b\u9593\u4ea4\u63a5\uff0c\u5305\u542b\u7e7c\u627f\u8207\u4fe1\u8a17\u5b89\u6392<\/li>\n<\/ul>\n<p>\u5728\u9019\u500b\u5c3a\u5ea6\u4e0b\uff0c\u77ed\u671f\u5e02\u5834\u6f32\u8dcc\u4e0d\u518d\u662f\u5224\u65b7\u5c0d\u932f\u7684\u552f\u4e00\u6a19\u6e96\u3002\u4e5f\u6b63\u662f\u5728\u9019\u88e1\u7522\u751f\u5340\u5225\uff1a<strong>\u6295\u8cc7\u8001\u5e2b\u95dc\u6ce8\u7684\u662f\u5e02\u5834\uff0c\u7406\u8ca1\u9867\u554f\u5354\u52a9\u7684\u662f\u4eba\u751f\u3002<\/strong><\/p>\n<h3><strong>\u56db\u3001<\/strong><strong>\u5c08\u696d\u4e0d\u80fd\u53ea\u9760\u51b7\u975c\uff0c\u800c\u5fc5\u9808\u6709\u5236\u5ea6\u652f\u6490<\/strong><\/h3>\n<p>\u5982\u679c\u4e00\u500b\u5c08\u696d\u9ad4\u7cfb\uff0c\u5fc5\u9808\u5b8c\u5168\u4ef0\u8cf4\u500b\u4eba\u5fc3\u7406\u7d20\u8cea\uff0c\u5728\u5e02\u5834\u6050\u614c\u8207\u5916\u754c\u58d3\u529b\u4e0b\u786c\u6490\u7406\u6027\uff0c\u90a3\u9019\u500b\u9ad4\u7cfb\u672c\u8eab\u5c31\u4e0d\u5177\u5099\u53ef\u8907\u88fd\u6027\u3002<\/p>\n<p>\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u771f\u6b63\u95dc\u5fc3\u7684\uff0c\u4e0d\u662f\uff1a\u4f60\u5920\u4e0d\u5920\u51b7\u975c\uff1f\u800c\u662f\uff1a<strong>\u4f60\u7684 Professional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09\uff0c\u662f\u5426\u88ab\u8a2d\u8a08\u6210\u80fd\u5728\u58d3\u529b\u4e0b\u4ecd\u7136\u7a69\u5b9a\uff1f<\/strong><\/p>\n<p>\u5236\u5ea6\u5b58\u5728\u7684\u610f\u7fa9\uff0c\u6b63\u662f\u70ba\u4e86\u5728\u9ad8\u58d3\u60c5\u5883\u4e0b\uff0c\u628a <strong>Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09<\/strong>\u5f9e\u5c08\u696d\u5224\u65b7\u6d41\u7a0b\u4e2d\u9694\u96e2\u3001\u7de9\u885d\u3001\u5438\u6536\u3002\u5e02\u5834\u9707\u76ea\u4e0d\u6703\u6d88\u5931\uff0c\u6050\u614c\u4e5f\u4e0d\u6703\u3002\u771f\u6b63\u7684\u5dee\u5225\uff0c\u5f9e\u4f86\u4e0d\u5728\u65bc\u8ab0\u6bd4\u8f03\u6703\u9810\u6e2c\u884c\u60c5\uff0c\u800c\u5728\u65bc\uff1a<strong>\u4f60\u7684\u5c08\u696d\uff0c\u662f\u4e0d\u662f\u53ea\u5728\u9806\u98a8\u6642\u770b\u8d77\u4f86\u6b63\u78ba\uff1f<\/strong><\/p>\n<h3><strong>\u4e94\u3001\u7d50\u8a9e\uff5c\u5e02\u5834\u9707\u76ea\u771f\u6b63\u8003\u9a57\u7684\uff0c\u662f\u5c08\u696d\u80fd\u4e0d\u80fd\u6490\u904e\u4e00\u751f<\/strong><\/h3>\n<p>\u5982\u679c\u7406\u8ca1\u7684\u76ee\u6a19\uff0c\u53ea\u662f\u89e3\u91cb\u5e02\u5834\uff0c\u90a3\u9ebc\u77ed\u671f\u89c0\u9ede\u8207\u540d\u724c\u8cc7\u8a0a\u6216\u8a31\u5df2\u7d93\u8db3\u5920\uff1b\u4f46\u5982\u679c\u7406\u8ca1\u7684\u76ee\u6a19\uff0c\u662f\u966a\u4f34\u4e00\u500b\u4eba\u8d70\u5b8c\u6574\u500b\u4eba\u751f\uff0c\u90a3\u9ebc\u5c08\u696d\u9664\u4e86\u6703\u5206\u6790\u5e02\u5834\uff0c\u66f4\u5fc5\u9808\u80fd\u5728\u58d3\u529b\u4e0b\uff0c<strong>\u7dad\u6301\u5224\u65b7\u7684\u4e00\u81f4\u6027\u3001\u53ef\u627f\u53d7\u6027\u8207\u53ef\u5ef6\u7e8c\u6027\u3002<\/strong><\/p>\n<p data-start=\"953\" data-end=\"1073\">\u9019\u6b63\u662f <strong data-start=\"957\" data-end=\"970\">CFP\u00ae <\/strong><strong>\u7406\u8ca1\u9867\u554f<\/strong> \u8207\u6295\u8cc7\u578b\u89d2\u8272\u7684\u6839\u672c\u5dee\u7570\u3002CFP\u00ae \u6240\u627f\u64d4\u7684\uff0c\u4e26\u4e0d\u662f\u4e00\u6b21\u5224\u65b7\u7684\u5c0d\u932f\uff0c\u800c\u662f\u5728\u6536\u5165\u8b8a\u52d5\u3001\u5bb6\u5ead\u8cac\u4efb\u3001\u91cd\u5927\u98a8\u96aa\u8207\u4eba\u751f\u8f49\u6298\u4ea4\u932f\u4e4b\u4e2d\uff0c\u5354\u52a9\u500b\u4eba\u8207\u5bb6\u5ead\uff0c\u5728<strong data-start=\"1049\" data-end=\"1058\">\u5168\u751f\u547d\u9031\u671f<\/strong>\u4e2d\u505a\u51fa\u80fd\u5920\u6301\u7e8c\u6210\u7acb\u7684\u8ca1\u52d9\u6c7a\u7b56\u3002<\/p>\n<p data-start=\"1075\" data-end=\"1194\">\u4e5f\u6b63\u56e0\u5982\u6b64\uff0c<strong data-start=\"1081\" data-end=\"1092\">\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78<\/strong> \u624d\u6210\u70ba<strong> CFP\u00ae<\/strong> \u5c08\u696d\u9ad4\u7cfb\u4e2d\u4e0d\u53ef\u6216\u7f3a\u7684\u4e00\u74b0\u3002\u5b83\u95dc\u5fc3\u7684\uff0c\u4e0d\u662f\u8ab0\u6bd4\u8f03\u51b7\u975c\uff0c\u800c\u662f <strong data-start=\"1137\" data-end=\"1194\">Professional Judgment<\/strong><strong>\uff08\u5c08\u696d\u5224\u65b7\uff09\u662f\u5426\u88ab\u8a2d\u8a08\u6210\u80fd\u5728\u884c\u70ba\u504f\u8aa4\u8207\u9ad8\u58d3\u60c5\u5883\u4e0b\uff0c\u4f9d\u7136\u7a69\u5b9a\u904b\u4f5c\u3002<\/strong><\/p>\n<p data-start=\"1196\" data-end=\"1278\">\u7576\u5c08\u696d\u5224\u65b7\u80fd\u88ab\u5236\u5ea6\u6258\u4f4f\uff0c\u4fe1\u4efb\u624d\u4e0d\u518d\u53ea\u662f\u4eba\u969b\u611f\u53d7\uff0c\u800c\u80fd\u9010\u6b65\u7d2f\u7a4d\u70ba\u53ef\u88ab\u9a57\u8b49\u3001\u53ef\u88ab\u5ef6\u7e8c\u7684 <strong data-start=\"1244\" data-end=\"1277\">Digital Trust Capital<\/strong><strong>\uff08\u6578\u4f4d\u4fe1\u4efb\u8cc7\u672c\uff09<\/strong>\u3002\u9019\u4e0d\u662f\u70ba\u4e86\u8b93\u5c08\u696d\u770b\u8d77\u4f86\u66f4\u53b2\u5bb3\uff0c\u800c\u662f\u70ba\u4e86\u8b93\u5c08\u696d\uff0c\u80fd\u5728\u4e00\u500b\u4eba\u6700\u9700\u8981\u5b83\u7684\u6642\u5019\uff0c<strong>\u4e0d\u5931\u771f\u3001\u4e0d\u9000\u5834\uff0c\u4e5f\u4e0d\u5fc5\u6bcf\u4e00\u6b21\u90fd\u5f9e\u96f6\u958b\u59cb\u3002<\/strong><\/p>\n<h3><strong>\u516d<\/strong><strong>\u3001\u5e73\u53f0\u6cbb\u7406\u8207\u7cfb\u5217\u8aaa\u660e<\/strong><\/h3>\n<ul>\n<li>\u672c\u7cfb\u5217\u7531 <strong>Joseph Chen\uff08\u667a\u532f\u570b\u969b IF international\uff09<\/strong> \u6574\u7406\u8207\u64b0\u5beb\uff0c\u7cfb\u7d71\u6027\u5f15\u4ecb\u7f8e\u570b <strong>CFP Board<\/strong> \u6240\u63a1\u7528\u4e4b<strong>The Psychology of Financial Planning\uff08\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\uff09<\/strong> \u80fd\u529b\u6846\u67b6\u3002\u5167\u5bb9\u805a\u7126\u65bc\u7406\u8ca1\u6c7a\u7b56\u6b77\u7a0b\u3001\u5c08\u696d\u5224\u65b7\u3001\u884c\u70ba\u504f\u8aa4\u8207\u4eba\u751f\u95dc\u9375\u4e8b\u4ef6\u4e4b\u4ea4\u6703\uff0c\u4e26\u4f5c\u70ba <strong>IF \u7406\u8ca1\u5546\u5b78\u9662\uff08FinQ Academy\uff09<\/strong> \u8ab2\u7a0b\u8207\u7814\u7a76\u67b6\u69cb\u7684\u4e00\u90e8\u5206\u3002<\/li>\n<\/ul>\n<ul>\n<li>\u672c\u7cfb\u5217\u4e4b\u5b8c\u6574\u6cbb\u7406\u5b9a\u7fa9\u3001\u67b6\u69cb\u8aaa\u660e\u8207\u6240\u6709 EP \u7d22\u5f15\uff0c\u8acb\u53c3\u95b1\uff1a<a href=\"https:\/\/if-intl.com\/the-psychology-of-financial-planning-governance\/\"><strong>\u3008\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\uff5c\u6cbb\u7406\u6bcd\u9801\u3009<\/strong><\/a><\/li>\n<li data-start=\"1048\" data-end=\"1151\">\u672c\u6587\u539f\u59cb\u7248\u672c\u520a\u8f09\u65bc\u00a0<strong data-start=\"1058\" data-end=\"1083\">\u667a\u532f\u570b\u969b IF international<\/strong> \u5b98\u65b9\u7db2\u7ad9\uff0c\u70ba\u7cfb\u5217\u6587\u7ae0\uff1a<a href=\"https:\/\/if-intl.com\/psychology-of-financial-planning-professional-judgment\/\" target=\"_blank\" rel=\"noopener\">\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP5<\/a>\u3002<\/li>\n<\/ul>\n<h3><strong>\u4e03<\/strong><strong>\u3001\u5ef6\u4f38\u95b1\u8b80<\/strong><\/h3>\n<ul>\n<li><strong>Professional Judgment<\/strong><strong>\uff08\u5c08\u696d\u5224\u65b7\uff09<\/strong><strong>\uff1a<\/strong>\u300a<em>The Psychology of Financial Planning<\/em>\u300b\u5c0d\u61c9\u7ae0\u7bc0<strong>Chapter 1<\/strong><\/li>\n<li><strong>Behavioral Biases<\/strong><strong>\uff08\u884c\u70ba\u504f\u8aa4\uff09<\/strong><strong>\uff1a<\/strong>\u300a<em>The Psychology of Financial Planning<\/em>\u300b\u5c0d\u61c9\u7ae0\u7bc0<strong>Chapter 6:<\/strong><\/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<li><a href=\"https:\/\/if-intl.com\/psychology-of-financial-planning-effective-communication-behavioral-biases-action-gap\/\">\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><\/li>\n<\/ul>\n<p>\u6b64\u7bc7\u6587\u7ae0\u6700\u958b\u59cb\u51fa\u8655\u70ba: <a href=\"https:\/\/more-news.tw\/525083\/\">\u53ea\u807d\u300c\u5831\u540d\u724c\u300d\u5920\u55ce\uff1f\u5e02\u5834\u9707\u76ea\u4e0b\uff0c\u5c08\u696d\u5224\u65b7\u70ba\u4f55\u5bb9\u6613\u5931\u771f | \u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP5<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u58a8\u65b0\u805e\uff5c\u8a18\u8005\u5a01\u91d1\uff0f\u53f0\u5317\u5831\u5c0e \u6295&#8230;<\/p>\n","protected":false},"author":24,"featured_media":409121,"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-409120","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 v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u53ea\u807d\u300c\u5831\u540d\u724c\u300d\u5920\u55ce\uff1f\u5e02\u5834\u9707\u76ea\u4e0b\uff0c\u5c08\u696d\u5224\u65b7\u70ba\u4f55\u5bb9\u6613\u5931\u771f | \u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP5 - \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\u6295\u8cc7\u8001\u5e2b\u89e3\u91cb\u7684\u662f\u5e02\u5834\uff0c\u7406\u8ca1\u9867\u554f\u966a\u4f34\u7684\u662f\u4eba\u751f\u3002 \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\u884c\u70ba\u504f\u8aa4\u7684\u8a0e\u8ad6\uff0c\u7576\u5e02\u5834\u5287\u70c8\u6ce2\u52d5\u3001\u8a0a\u606f\u92ea\u5929\u84cb\u5730\u6642\uff0c\u591a\u6578\u4eba\u6700\u5148\u611f\u5230\u56f0\u60d1\u7684\uff0c\u5f80\u5f80\u4e0d\u662f\u7522\u54c1\u672c\u8eab\uff0c\u800c\u662f\u2014\u2014\u70ba\u4ec0\u9ebc\u300c\u4e4b\u524d\u770b\u8d77\u4f86\u5f88\u5c08\u696d\u7684\u5efa\u8b70\u300d\uff0c\u7a81\u7136\u8b8a\u5f97\u4e0d\u90a3\u9ebc\u53ef\u9760\uff1f \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u4e2d\uff0cProfessional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09 \u6307\u7684\u662f\u5c08\u696d\u4eba\u54e1\u5728\u9ad8\u5ea6\u4e0d\u78ba\u5b9a\u8207\u58d3\u529b\u60c5\u5883\u4e0b\uff0c\u4ecd\u80fd\u7dad\u6301\u6c7a\u7b56\u4e00\u81f4\u6027\u8207\u9577\u671f\u908f\u8f2f\u7684\u80fd\u529b\uff1b\u800c Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff0c\u5247\u662f\u5728\u5e02\u5834\u9707\u76ea\u3001\u60c5\u7dd2\u5347\u9ad8\u6642\uff0c\u7cfb\u7d71\u6027\u626d\u66f2\u9019\u7a2e\u5224\u65b7\u7684\u5fc3\u7406\u6a5f\u5236\u3002 \u9019\u6b63\u662f IF \u7406\u8ca1\u5546\u5b78\u9662 EP5 \u8981\u63a2\u8a0e\u7684\u6838\u5fc3\u554f\u984c\u3002 \u4e00\u3001\u70ba\u4ec0\u9ebc\u5e02\u5834\u9707\u76ea\u6642\uff0c\u5c08\u696d\u5224\u65b7\u53cd\u800c\u66f4\u5bb9\u6613\u8b8a\u5f62\uff1f \u591a\u6578\u4eba\u4ee5\u70ba\uff0c\u5c08\u696d\u4f86\u81ea\u77e5\u8b58\u3001\u7d93\u9a57\u8207\u7406\u6027\u8a08\u7b97\u3002\u53ea\u8981\u5206\u6790\u5920\u5b8c\u6574\uff0c\u5224\u65b7\u81ea\u7136\u6703\u6b63\u78ba\u3002 \u4f46\u5fc3\u7406\u5b78\u8207\u6c7a\u7b56\u79d1\u5b78\u53cd\u8986\u8b49\u5be6\uff1aProfessional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09\u4e26\u4e0d\u662f\u514d\u75ab\u9ad4\u7cfb\u3002\u7576\u5e02\u5834\u6025\u8dcc\u3001\u8cac\u4efb\u88ab\u653e\u5927\u3001\u5ba2\u6236\u60c5\u7dd2\u5347\u9ad8\u6642\uff0c\u5c08\u696d\u8005\u7684\u5927\u8166\u540c\u6a23\u6703\u555f\u52d5\u5178\u578b\u7684 Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff1a \u640d\u5931\u898f\u907f\uff1a\u5be7\u53ef\u4e0d\u52d5\u4f5c\uff0c\u4e5f\u4e0d\u9858\u627f\u64d4\u88ab\u6307\u8cac\u7684\u98a8\u96aa \u904e\u5ea6\u4fdd\u5b88\uff1a\u628a\u300c\u4e0d\u51fa\u932f\u300d\u8aa4\u7576\u6210\u300c\u6700\u5b89\u5168\u300d \u4e8b\u5f8c\u5408\u7406\u5316\uff1a\u7528\u570b\u969b\u60c5\u52e2\u3001\u653f\u6cbb\u6216\u6578\u64da\uff0c\u70ba\u5931\u6e96\u7684\u5224\u65b7\u627e\u7406\u7531 \u7d50\u679c\u662f\uff0c\u539f\u672c\u61c9\u8a72\u670d\u52d9\u9577\u671f\u4eba\u751f\u6c7a\u7b56\u7684 \u5c08\u696d\u5224\u65b7\uff0c\u5728\u9ad8\u58d3\u60c5\u5883\u4e0b\uff0c\u9000\u5316\u6210\u77ed\u671f\u60c5\u7dd2\u7ba1\u7406\u5de5\u5177\u3002\u9019\u4e0d\u662f\u5c08\u696d\u4e0d\u5920\uff0c\u800c\u662f \u5c08\u696d\u5728\u58d3\u529b\u4e0b\uff0c\u7f3a\u4e4f\u5236\u5ea6\u6027\u4fdd\u8b77\u7684\u5fc5\u7136\u7d50\u679c\u3002 \u4e8c\u3001\u6295\u8cc7\u8001\u5e2b VS \u7406\u8ca1\u9867\u554f \u2014 \u627f\u64d4\u4e0d\u540c\u7684\u5224\u65b7\u8cac\u4efb \u53f0\u7063\u6295\u8cc7\u5e02\u5834\u6709\u4e00\u500b\u975e\u5e38\u9bae\u660e\u3001\u537b\u7d93\u5e38\u88ab\u6df7\u7528\u7684\u89d2\u8272\u5dee\u7570\u3002\u591a\u6578\u4eba\u7fd2\u6163\u628a\u89e3\u8b80\u884c\u60c5\u3001\u5206\u6790\u500b\u80a1\u3001\u5e36\u9032\u5e36\u51fa\u7684\u4eba\u7a31\u70ba\u300c\u8001\u5e2b\u300d\u3002\u9019\u985e\u89d2\u8272\uff0c\u4e3b\u8981\u95dc\u6ce8\u7684\u662f\uff1a \u67d0\u4e00\u6bb5\u884c\u60c5 \u67d0\u4e00\u6a94\u6a19\u7684 \u77ed\u671f\u7e3e\u6548\u8207\u89e3\u91cb\u6b0a \u884c\u60c5\u4e0a\u6f32\u6642\uff0c\u6230\u7e3e\u88ab\u653e\u5927\uff1b\u884c\u60c5\u4e0b\u8dcc\u6642\uff0c\u7406\u7531\u4e5f\u6703\u8ddf\u8457\u8b8a\u591a\u3002\u9019\u4e0d\u662f\u5c0d\u932f\u554f\u984c\uff0c\u800c\u662f\u56e0\u70ba\u9019\u985e\u5224\u65b7\uff0c\u672c\u4f86\u5c31\u88ab\u8a2d\u5b9a\u5728\u77ed\u6642\u9593\u5c3a\u5ea6\u4e4b\u4e2d\u3002 \u7406\u8ca1\u9867\u554f\uff08CFP\u00ae\uff09\u6240\u627f\u64d4\u7684\uff0c\u537b\u662f\u53e6\u4e00\u7a2e\u5b8c\u5168\u4e0d\u540c\u7684\u5224\u65b7\u8cac\u4efb\u3002\u7406\u8ca1\u898f\u5283\u95dc\u5fc3\u7684\uff0c\u4e0d\u662f\u4e00\u6b21\u9032\u51fa\u5834\u662f\u5426\u6f02\u4eae\uff0c\u800c\u662f\u4e00\u500b\u4eba\uff0c\u80fd\u4e0d\u80fd\u5728\u5e02\u5834\u6ce2\u52d5\u8207\u4eba\u751f\u8f49\u6298\u4e2d\uff0c\u7dad\u6301\u6574\u9ad4\u6c7a\u7b56\u7684\u7a69\u5b9a\u6027\u8207\u5b89\u5168\u6027\u3002 \u4e09\u3001\u7576\u6c7a\u7b56\u5c3a\u5ea6\u62c9\u5230\u300c\u5168\u751f\u547d\u9031\u671f\u300d\uff0c\u5e02\u5834\u6ce2\u52d5\u5c31\u4e0d\u518d\u662f\u552f\u4e00\u7b54\u6848 \u4e00\u65e6\u5224\u65b7\u5c3a\u5ea6\u62c9\u9577\u5230\u5168\u751f\u547d\u9031\u671f\uff0c\u7406\u8ca1\u898f\u5283\u6240\u8655\u7406\u7684\u554f\u984c\uff0c\u5c31\u6703\u5fb9\u5e95\u4e0d\u540c\u3002\u5b83\u5fc5\u9808\u540c\u6642\u601d\u8003\uff1a \u6536\u5165\u8207\u73fe\u91d1\u6d41\u662f\u5426\u8db3\u4ee5\u652f\u6490\u751f\u6d3b \u98a8\u96aa\u662f\u5426\u5df2\u7531\u4fdd\u96aa\u8207\u9810\u5099\u91d1\u627f\u63a5 \u8cc7\u7522\u5982\u4f55\u5728\u80a1\u7968\u3001\u57fa\u91d1\u3001\u50b5\u5238\u3001\u623f\u5730\u7522\u4e4b\u9593\u53d6\u5f97\u5e73\u8861 \u5728\u9000\u4f11\u3001\u75be\u75c5\u3001\u5931\u80fd\u3001\u5bb6\u5ead\u8b8a\u52d5\u6642\uff0c\u6c7a\u7b56\u662f\u5426\u4ecd\u7136\u7ad9\u5f97\u4f4f \u8cc7\u7522\u5982\u4f55\u5728\u4e16\u4ee3\u4e4b\u9593\u4ea4\u63a5\uff0c\u5305\u542b\u7e7c\u627f\u8207\u4fe1\u8a17\u5b89\u6392 \u5728\u9019\u500b\u5c3a\u5ea6\u4e0b\uff0c\u77ed\u671f\u5e02\u5834\u6f32\u8dcc\u4e0d\u518d\u662f\u5224\u65b7\u5c0d\u932f\u7684\u552f\u4e00\u6a19\u6e96\u3002\u4e5f\u6b63\u662f\u5728\u9019\u88e1\u7522\u751f\u5340\u5225\uff1a\u6295\u8cc7\u8001\u5e2b\u95dc\u6ce8\u7684\u662f\u5e02\u5834\uff0c\u7406\u8ca1\u9867\u554f\u5354\u52a9\u7684\u662f\u4eba\u751f\u3002 \u56db\u3001\u5c08\u696d\u4e0d\u80fd\u53ea\u9760\u51b7\u975c\uff0c\u800c\u5fc5\u9808\u6709\u5236\u5ea6\u652f\u6490 \u5982\u679c\u4e00\u500b\u5c08\u696d\u9ad4\u7cfb\uff0c\u5fc5\u9808\u5b8c\u5168\u4ef0\u8cf4\u500b\u4eba\u5fc3\u7406\u7d20\u8cea\uff0c\u5728\u5e02\u5834\u6050\u614c\u8207\u5916\u754c\u58d3\u529b\u4e0b\u786c\u6490\u7406\u6027\uff0c\u90a3\u9019\u500b\u9ad4\u7cfb\u672c\u8eab\u5c31\u4e0d\u5177\u5099\u53ef\u8907\u88fd\u6027\u3002 \u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u771f\u6b63\u95dc\u5fc3\u7684\uff0c\u4e0d\u662f\uff1a\u4f60\u5920\u4e0d\u5920\u51b7\u975c\uff1f\u800c\u662f\uff1a\u4f60\u7684 Professional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09\uff0c\u662f\u5426\u88ab\u8a2d\u8a08\u6210\u80fd\u5728\u58d3\u529b\u4e0b\u4ecd\u7136\u7a69\u5b9a\uff1f \u5236\u5ea6\u5b58\u5728\u7684\u610f\u7fa9\uff0c\u6b63\u662f\u70ba\u4e86\u5728\u9ad8\u58d3\u60c5\u5883\u4e0b\uff0c\u628a Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\u5f9e\u5c08\u696d\u5224\u65b7\u6d41\u7a0b\u4e2d\u9694\u96e2\u3001\u7de9\u885d\u3001\u5438\u6536\u3002\u5e02\u5834\u9707\u76ea\u4e0d\u6703\u6d88\u5931\uff0c\u6050\u614c\u4e5f\u4e0d\u6703\u3002\u771f\u6b63\u7684\u5dee\u5225\uff0c\u5f9e\u4f86\u4e0d\u5728\u65bc\u8ab0\u6bd4\u8f03\u6703\u9810\u6e2c\u884c\u60c5\uff0c\u800c\u5728\u65bc\uff1a\u4f60\u7684\u5c08\u696d\uff0c\u662f\u4e0d\u662f\u53ea\u5728\u9806\u98a8\u6642\u770b\u8d77\u4f86\u6b63\u78ba\uff1f \u4e94\u3001\u7d50\u8a9e\uff5c\u5e02\u5834\u9707\u76ea\u771f\u6b63\u8003\u9a57\u7684\uff0c\u662f\u5c08\u696d\u80fd\u4e0d\u80fd\u6490\u904e\u4e00\u751f \u5982\u679c\u7406\u8ca1\u7684\u76ee\u6a19\uff0c\u53ea\u662f\u89e3\u91cb\u5e02\u5834\uff0c\u90a3\u9ebc\u77ed\u671f\u89c0\u9ede\u8207\u540d\u724c\u8cc7\u8a0a\u6216\u8a31\u5df2\u7d93\u8db3\u5920\uff1b\u4f46\u5982\u679c\u7406\u8ca1\u7684\u76ee\u6a19\uff0c\u662f\u966a\u4f34\u4e00\u500b\u4eba\u8d70\u5b8c\u6574\u500b\u4eba\u751f\uff0c\u90a3\u9ebc\u5c08\u696d\u9664\u4e86\u6703\u5206\u6790\u5e02\u5834\uff0c\u66f4\u5fc5\u9808\u80fd\u5728\u58d3\u529b\u4e0b\uff0c\u7dad\u6301\u5224\u65b7\u7684\u4e00\u81f4\u6027\u3001\u53ef\u627f\u53d7\u6027\u8207\u53ef\u5ef6\u7e8c\u6027\u3002 \u9019\u6b63\u662f CFP\u00ae \u7406\u8ca1\u9867\u554f \u8207\u6295\u8cc7\u578b\u89d2\u8272\u7684\u6839\u672c\u5dee\u7570\u3002CFP\u00ae \u6240\u627f\u64d4\u7684\uff0c\u4e26\u4e0d\u662f\u4e00\u6b21\u5224\u65b7\u7684\u5c0d\u932f\uff0c\u800c\u662f\u5728\u6536\u5165\u8b8a\u52d5\u3001\u5bb6\u5ead\u8cac\u4efb\u3001\u91cd\u5927\u98a8\u96aa\u8207\u4eba\u751f\u8f49\u6298\u4ea4\u932f\u4e4b\u4e2d\uff0c\u5354\u52a9\u500b\u4eba\u8207\u5bb6\u5ead\uff0c\u5728\u5168\u751f\u547d\u9031\u671f\u4e2d\u505a\u51fa\u80fd\u5920\u6301\u7e8c\u6210\u7acb\u7684\u8ca1\u52d9\u6c7a\u7b56\u3002 \u4e5f\u6b63\u56e0\u5982\u6b64\uff0c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 \u624d\u6210\u70ba CFP\u00ae \u5c08\u696d\u9ad4\u7cfb\u4e2d\u4e0d\u53ef\u6216\u7f3a\u7684\u4e00\u74b0\u3002\u5b83\u95dc\u5fc3\u7684\uff0c\u4e0d\u662f\u8ab0\u6bd4\u8f03\u51b7\u975c\uff0c\u800c\u662f Professional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09\u662f\u5426\u88ab\u8a2d\u8a08\u6210\u80fd\u5728\u884c\u70ba\u504f\u8aa4\u8207\u9ad8\u58d3\u60c5\u5883\u4e0b\uff0c\u4f9d\u7136\u7a69\u5b9a\u904b\u4f5c\u3002 \u7576\u5c08\u696d\u5224\u65b7\u80fd\u88ab\u5236\u5ea6\u6258\u4f4f\uff0c\u4fe1\u4efb\u624d\u4e0d\u518d\u53ea\u662f\u4eba\u969b\u611f\u53d7\uff0c\u800c\u80fd\u9010\u6b65\u7d2f\u7a4d\u70ba\u53ef\u88ab\u9a57\u8b49\u3001\u53ef\u88ab\u5ef6\u7e8c\u7684 Digital Trust Capital\uff08\u6578\u4f4d\u4fe1\u4efb\u8cc7\u672c\uff09\u3002\u9019\u4e0d\u662f\u70ba\u4e86\u8b93\u5c08\u696d\u770b\u8d77\u4f86\u66f4\u53b2\u5bb3\uff0c\u800c\u662f\u70ba\u4e86\u8b93\u5c08\u696d\uff0c\u80fd\u5728\u4e00\u500b\u4eba\u6700\u9700\u8981\u5b83\u7684\u6642\u5019\uff0c\u4e0d\u5931\u771f\u3001\u4e0d\u9000\u5834\uff0c\u4e5f\u4e0d\u5fc5\u6bcf\u4e00\u6b21\u90fd\u5f9e\u96f6\u958b\u59cb\u3002 \u516d\u3001\u5e73\u53f0\u6cbb\u7406\u8207\u7cfb\u5217\u8aaa\u660e \u672c\u7cfb\u5217\u7531 Joseph Chen\uff08\u667a\u532f\u570b\u969b IF international\uff09 \u6574\u7406\u8207\u64b0\u5beb\uff0c\u7cfb\u7d71\u6027\u5f15\u4ecb\u7f8e\u570b CFP Board \u6240\u63a1\u7528\u4e4bThe Psychology of Financial Planning\uff08\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\uff09 \u80fd\u529b\u6846\u67b6\u3002\u5167\u5bb9\u805a\u7126\u65bc\u7406\u8ca1\u6c7a\u7b56\u6b77\u7a0b\u3001\u5c08\u696d\u5224\u65b7\u3001\u884c\u70ba\u504f\u8aa4\u8207\u4eba\u751f\u95dc\u9375\u4e8b\u4ef6\u4e4b\u4ea4\u6703\uff0c\u4e26\u4f5c\u70ba IF \u7406\u8ca1\u5546\u5b78\u9662\uff08FinQ Academy\uff09 \u8ab2\u7a0b\u8207\u7814\u7a76\u67b6\u69cb\u7684\u4e00\u90e8\u5206\u3002  \u672c\u7cfb\u5217\u4e4b\u5b8c\u6574\u6cbb\u7406\u5b9a\u7fa9\u3001\u67b6\u69cb\u8aaa\u660e\u8207\u6240\u6709 EP \u7d22\u5f15\uff0c\u8acb\u53c3\u95b1\uff1a\u3008\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\uff5c\u6cbb\u7406\u6bcd\u9801\u3009 \u672c\u6587\u539f\u59cb\u7248\u672c\u520a\u8f09\u65bc\u00a0\u667a\u532f\u570b\u969b IF international \u5b98\u65b9\u7db2\u7ad9\uff0c\u70ba\u7cfb\u5217\u6587\u7ae0\uff1a\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP5\u3002 \u4e03\u3001\u5ef6\u4f38\u95b1\u8b80 Professional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09\uff1a\u300aThe Psychology of Financial Planning\u300b\u5c0d\u61c9\u7ae0\u7bc0Chapter 1 Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff1a\u300aThe Psychology of Financial Planning\u300b\u5c0d\u61c9\u7ae0\u7bc0Chapter 6: \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 \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 \u6b64\u7bc7\u6587\u7ae0\u6700\u958b\u59cb\u51fa\u8655\u70ba: \u53ea\u807d\u300c\u5831\u540d\u724c\u300d\u5920\u55ce\uff1f\u5e02\u5834\u9707\u76ea\u4e0b\uff0c\u5c08\u696d\u5224\u65b7\u70ba\u4f55\u5bb9\u6613\u5931\u771f | \u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP5\" \/>\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=409120\" \/>\n<meta property=\"og:locale\" content=\"zh_TW\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u53ea\u807d\u300c\u5831\u540d\u724c\u300d\u5920\u55ce\uff1f\u5e02\u5834\u9707\u76ea\u4e0b\uff0c\u5c08\u696d\u5224\u65b7\u70ba\u4f55\u5bb9\u6613\u5931\u771f | \u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP5 - \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\u6295\u8cc7\u8001\u5e2b\u89e3\u91cb\u7684\u662f\u5e02\u5834\uff0c\u7406\u8ca1\u9867\u554f\u966a\u4f34\u7684\u662f\u4eba\u751f\u3002 \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\u884c\u70ba\u504f\u8aa4\u7684\u8a0e\u8ad6\uff0c\u7576\u5e02\u5834\u5287\u70c8\u6ce2\u52d5\u3001\u8a0a\u606f\u92ea\u5929\u84cb\u5730\u6642\uff0c\u591a\u6578\u4eba\u6700\u5148\u611f\u5230\u56f0\u60d1\u7684\uff0c\u5f80\u5f80\u4e0d\u662f\u7522\u54c1\u672c\u8eab\uff0c\u800c\u662f\u2014\u2014\u70ba\u4ec0\u9ebc\u300c\u4e4b\u524d\u770b\u8d77\u4f86\u5f88\u5c08\u696d\u7684\u5efa\u8b70\u300d\uff0c\u7a81\u7136\u8b8a\u5f97\u4e0d\u90a3\u9ebc\u53ef\u9760\uff1f \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u4e2d\uff0cProfessional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09 \u6307\u7684\u662f\u5c08\u696d\u4eba\u54e1\u5728\u9ad8\u5ea6\u4e0d\u78ba\u5b9a\u8207\u58d3\u529b\u60c5\u5883\u4e0b\uff0c\u4ecd\u80fd\u7dad\u6301\u6c7a\u7b56\u4e00\u81f4\u6027\u8207\u9577\u671f\u908f\u8f2f\u7684\u80fd\u529b\uff1b\u800c Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff0c\u5247\u662f\u5728\u5e02\u5834\u9707\u76ea\u3001\u60c5\u7dd2\u5347\u9ad8\u6642\uff0c\u7cfb\u7d71\u6027\u626d\u66f2\u9019\u7a2e\u5224\u65b7\u7684\u5fc3\u7406\u6a5f\u5236\u3002 \u9019\u6b63\u662f IF \u7406\u8ca1\u5546\u5b78\u9662 EP5 \u8981\u63a2\u8a0e\u7684\u6838\u5fc3\u554f\u984c\u3002 \u4e00\u3001\u70ba\u4ec0\u9ebc\u5e02\u5834\u9707\u76ea\u6642\uff0c\u5c08\u696d\u5224\u65b7\u53cd\u800c\u66f4\u5bb9\u6613\u8b8a\u5f62\uff1f \u591a\u6578\u4eba\u4ee5\u70ba\uff0c\u5c08\u696d\u4f86\u81ea\u77e5\u8b58\u3001\u7d93\u9a57\u8207\u7406\u6027\u8a08\u7b97\u3002\u53ea\u8981\u5206\u6790\u5920\u5b8c\u6574\uff0c\u5224\u65b7\u81ea\u7136\u6703\u6b63\u78ba\u3002 \u4f46\u5fc3\u7406\u5b78\u8207\u6c7a\u7b56\u79d1\u5b78\u53cd\u8986\u8b49\u5be6\uff1aProfessional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09\u4e26\u4e0d\u662f\u514d\u75ab\u9ad4\u7cfb\u3002\u7576\u5e02\u5834\u6025\u8dcc\u3001\u8cac\u4efb\u88ab\u653e\u5927\u3001\u5ba2\u6236\u60c5\u7dd2\u5347\u9ad8\u6642\uff0c\u5c08\u696d\u8005\u7684\u5927\u8166\u540c\u6a23\u6703\u555f\u52d5\u5178\u578b\u7684 Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff1a \u640d\u5931\u898f\u907f\uff1a\u5be7\u53ef\u4e0d\u52d5\u4f5c\uff0c\u4e5f\u4e0d\u9858\u627f\u64d4\u88ab\u6307\u8cac\u7684\u98a8\u96aa \u904e\u5ea6\u4fdd\u5b88\uff1a\u628a\u300c\u4e0d\u51fa\u932f\u300d\u8aa4\u7576\u6210\u300c\u6700\u5b89\u5168\u300d \u4e8b\u5f8c\u5408\u7406\u5316\uff1a\u7528\u570b\u969b\u60c5\u52e2\u3001\u653f\u6cbb\u6216\u6578\u64da\uff0c\u70ba\u5931\u6e96\u7684\u5224\u65b7\u627e\u7406\u7531 \u7d50\u679c\u662f\uff0c\u539f\u672c\u61c9\u8a72\u670d\u52d9\u9577\u671f\u4eba\u751f\u6c7a\u7b56\u7684 \u5c08\u696d\u5224\u65b7\uff0c\u5728\u9ad8\u58d3\u60c5\u5883\u4e0b\uff0c\u9000\u5316\u6210\u77ed\u671f\u60c5\u7dd2\u7ba1\u7406\u5de5\u5177\u3002\u9019\u4e0d\u662f\u5c08\u696d\u4e0d\u5920\uff0c\u800c\u662f \u5c08\u696d\u5728\u58d3\u529b\u4e0b\uff0c\u7f3a\u4e4f\u5236\u5ea6\u6027\u4fdd\u8b77\u7684\u5fc5\u7136\u7d50\u679c\u3002 \u4e8c\u3001\u6295\u8cc7\u8001\u5e2b VS \u7406\u8ca1\u9867\u554f \u2014 \u627f\u64d4\u4e0d\u540c\u7684\u5224\u65b7\u8cac\u4efb \u53f0\u7063\u6295\u8cc7\u5e02\u5834\u6709\u4e00\u500b\u975e\u5e38\u9bae\u660e\u3001\u537b\u7d93\u5e38\u88ab\u6df7\u7528\u7684\u89d2\u8272\u5dee\u7570\u3002\u591a\u6578\u4eba\u7fd2\u6163\u628a\u89e3\u8b80\u884c\u60c5\u3001\u5206\u6790\u500b\u80a1\u3001\u5e36\u9032\u5e36\u51fa\u7684\u4eba\u7a31\u70ba\u300c\u8001\u5e2b\u300d\u3002\u9019\u985e\u89d2\u8272\uff0c\u4e3b\u8981\u95dc\u6ce8\u7684\u662f\uff1a \u67d0\u4e00\u6bb5\u884c\u60c5 \u67d0\u4e00\u6a94\u6a19\u7684 \u77ed\u671f\u7e3e\u6548\u8207\u89e3\u91cb\u6b0a 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\u7576\u5c08\u696d\u5224\u65b7\u80fd\u88ab\u5236\u5ea6\u6258\u4f4f\uff0c\u4fe1\u4efb\u624d\u4e0d\u518d\u53ea\u662f\u4eba\u969b\u611f\u53d7\uff0c\u800c\u80fd\u9010\u6b65\u7d2f\u7a4d\u70ba\u53ef\u88ab\u9a57\u8b49\u3001\u53ef\u88ab\u5ef6\u7e8c\u7684 Digital Trust Capital\uff08\u6578\u4f4d\u4fe1\u4efb\u8cc7\u672c\uff09\u3002\u9019\u4e0d\u662f\u70ba\u4e86\u8b93\u5c08\u696d\u770b\u8d77\u4f86\u66f4\u53b2\u5bb3\uff0c\u800c\u662f\u70ba\u4e86\u8b93\u5c08\u696d\uff0c\u80fd\u5728\u4e00\u500b\u4eba\u6700\u9700\u8981\u5b83\u7684\u6642\u5019\uff0c\u4e0d\u5931\u771f\u3001\u4e0d\u9000\u5834\uff0c\u4e5f\u4e0d\u5fc5\u6bcf\u4e00\u6b21\u90fd\u5f9e\u96f6\u958b\u59cb\u3002 \u516d\u3001\u5e73\u53f0\u6cbb\u7406\u8207\u7cfb\u5217\u8aaa\u660e \u672c\u7cfb\u5217\u7531 Joseph Chen\uff08\u667a\u532f\u570b\u969b IF international\uff09 \u6574\u7406\u8207\u64b0\u5beb\uff0c\u7cfb\u7d71\u6027\u5f15\u4ecb\u7f8e\u570b CFP Board \u6240\u63a1\u7528\u4e4bThe Psychology of Financial Planning\uff08\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\uff09 \u80fd\u529b\u6846\u67b6\u3002\u5167\u5bb9\u805a\u7126\u65bc\u7406\u8ca1\u6c7a\u7b56\u6b77\u7a0b\u3001\u5c08\u696d\u5224\u65b7\u3001\u884c\u70ba\u504f\u8aa4\u8207\u4eba\u751f\u95dc\u9375\u4e8b\u4ef6\u4e4b\u4ea4\u6703\uff0c\u4e26\u4f5c\u70ba IF \u7406\u8ca1\u5546\u5b78\u9662\uff08FinQ Academy\uff09 \u8ab2\u7a0b\u8207\u7814\u7a76\u67b6\u69cb\u7684\u4e00\u90e8\u5206\u3002  \u672c\u7cfb\u5217\u4e4b\u5b8c\u6574\u6cbb\u7406\u5b9a\u7fa9\u3001\u67b6\u69cb\u8aaa\u660e\u8207\u6240\u6709 EP \u7d22\u5f15\uff0c\u8acb\u53c3\u95b1\uff1a\u3008\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\uff5c\u6cbb\u7406\u6bcd\u9801\u3009 \u672c\u6587\u539f\u59cb\u7248\u672c\u520a\u8f09\u65bc\u00a0\u667a\u532f\u570b\u969b IF international \u5b98\u65b9\u7db2\u7ad9\uff0c\u70ba\u7cfb\u5217\u6587\u7ae0\uff1a\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP5\u3002 \u4e03\u3001\u5ef6\u4f38\u95b1\u8b80 Professional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09\uff1a\u300aThe Psychology of Financial Planning\u300b\u5c0d\u61c9\u7ae0\u7bc0Chapter 1 Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff1a\u300aThe Psychology of Financial Planning\u300b\u5c0d\u61c9\u7ae0\u7bc0Chapter 6: \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 \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 \u6b64\u7bc7\u6587\u7ae0\u6700\u958b\u59cb\u51fa\u8655\u70ba: \u53ea\u807d\u300c\u5831\u540d\u724c\u300d\u5920\u55ce\uff1f\u5e02\u5834\u9707\u76ea\u4e0b\uff0c\u5c08\u696d\u5224\u65b7\u70ba\u4f55\u5bb9\u6613\u5931\u771f | \u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP5\" \/>\n<meta property=\"og:url\" content=\"https:\/\/pingtungtimes.com.tw\/?p=409120\" \/>\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=\"2026-02-09T02:54:49+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\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/?p=409120#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/?p=409120\"},\"author\":{\"name\":\"\u58a8\u65b0\u805e\",\"@id\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/#\\\/schema\\\/person\\\/f94298183f8c6a6728bf98784fa54601\"},\"headline\":\"\u53ea\u807d\u300c\u5831\u540d\u724c\u300d\u5920\u55ce\uff1f\u5e02\u5834\u9707\u76ea\u4e0b\uff0c\u5c08\u696d\u5224\u65b7\u70ba\u4f55\u5bb9\u6613\u5931\u771f | \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=409120#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/?p=409120#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/IF_FinQ-Academy_Psychology-of-Financial-Planning_CFP_Professional-Judgment_Behavioral-Bias_Market-Volatility.webp\",\"datePublished\":\"2026-02-09T02:54:49+00:00\",\"description\":\"\u58a8\u65b0\u805e\uff5c\u8a18\u8005\u5a01\u91d1\uff0f\u53f0\u5317\u5831\u5c0e\u6295\u8cc7\u8001\u5e2b\u89e3\u91cb\u7684\u662f\u5e02\u5834\uff0c\u7406\u8ca1\u9867\u554f\u966a\u4f34\u7684\u662f\u4eba\u751f\u3002 \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\u884c\u70ba\u504f\u8aa4\u7684\u8a0e\u8ad6\uff0c\u7576\u5e02\u5834\u5287\u70c8\u6ce2\u52d5\u3001\u8a0a\u606f\u92ea\u5929\u84cb\u5730\u6642\uff0c\u591a\u6578\u4eba\u6700\u5148\u611f\u5230\u56f0\u60d1\u7684\uff0c\u5f80\u5f80\u4e0d\u662f\u7522\u54c1\u672c\u8eab\uff0c\u800c\u662f\u2014\u2014\u70ba\u4ec0\u9ebc\u300c\u4e4b\u524d\u770b\u8d77\u4f86\u5f88\u5c08\u696d\u7684\u5efa\u8b70\u300d\uff0c\u7a81\u7136\u8b8a\u5f97\u4e0d\u90a3\u9ebc\u53ef\u9760\uff1f \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u4e2d\uff0cProfessional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09 \u6307\u7684\u662f\u5c08\u696d\u4eba\u54e1\u5728\u9ad8\u5ea6\u4e0d\u78ba\u5b9a\u8207\u58d3\u529b\u60c5\u5883\u4e0b\uff0c\u4ecd\u80fd\u7dad\u6301\u6c7a\u7b56\u4e00\u81f4\u6027\u8207\u9577\u671f\u908f\u8f2f\u7684\u80fd\u529b\uff1b\u800c Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff0c\u5247\u662f\u5728\u5e02\u5834\u9707\u76ea\u3001\u60c5\u7dd2\u5347\u9ad8\u6642\uff0c\u7cfb\u7d71\u6027\u626d\u66f2\u9019\u7a2e\u5224\u65b7\u7684\u5fc3\u7406\u6a5f\u5236\u3002 \u9019\u6b63\u662f IF \u7406\u8ca1\u5546\u5b78\u9662 EP5 \u8981\u63a2\u8a0e\u7684\u6838\u5fc3\u554f\u984c\u3002 \u4e00\u3001\u70ba\u4ec0\u9ebc\u5e02\u5834\u9707\u76ea\u6642\uff0c\u5c08\u696d\u5224\u65b7\u53cd\u800c\u66f4\u5bb9\u6613\u8b8a\u5f62\uff1f \u591a\u6578\u4eba\u4ee5\u70ba\uff0c\u5c08\u696d\u4f86\u81ea\u77e5\u8b58\u3001\u7d93\u9a57\u8207\u7406\u6027\u8a08\u7b97\u3002\u53ea\u8981\u5206\u6790\u5920\u5b8c\u6574\uff0c\u5224\u65b7\u81ea\u7136\u6703\u6b63\u78ba\u3002 \u4f46\u5fc3\u7406\u5b78\u8207\u6c7a\u7b56\u79d1\u5b78\u53cd\u8986\u8b49\u5be6\uff1aProfessional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09\u4e26\u4e0d\u662f\u514d\u75ab\u9ad4\u7cfb\u3002\u7576\u5e02\u5834\u6025\u8dcc\u3001\u8cac\u4efb\u88ab\u653e\u5927\u3001\u5ba2\u6236\u60c5\u7dd2\u5347\u9ad8\u6642\uff0c\u5c08\u696d\u8005\u7684\u5927\u8166\u540c\u6a23\u6703\u555f\u52d5\u5178\u578b\u7684 Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff1a \u640d\u5931\u898f\u907f\uff1a\u5be7\u53ef\u4e0d\u52d5\u4f5c\uff0c\u4e5f\u4e0d\u9858\u627f\u64d4\u88ab\u6307\u8cac\u7684\u98a8\u96aa \u904e\u5ea6\u4fdd\u5b88\uff1a\u628a\u300c\u4e0d\u51fa\u932f\u300d\u8aa4\u7576\u6210\u300c\u6700\u5b89\u5168\u300d \u4e8b\u5f8c\u5408\u7406\u5316\uff1a\u7528\u570b\u969b\u60c5\u52e2\u3001\u653f\u6cbb\u6216\u6578\u64da\uff0c\u70ba\u5931\u6e96\u7684\u5224\u65b7\u627e\u7406\u7531 \u7d50\u679c\u662f\uff0c\u539f\u672c\u61c9\u8a72\u670d\u52d9\u9577\u671f\u4eba\u751f\u6c7a\u7b56\u7684 \u5c08\u696d\u5224\u65b7\uff0c\u5728\u9ad8\u58d3\u60c5\u5883\u4e0b\uff0c\u9000\u5316\u6210\u77ed\u671f\u60c5\u7dd2\u7ba1\u7406\u5de5\u5177\u3002\u9019\u4e0d\u662f\u5c08\u696d\u4e0d\u5920\uff0c\u800c\u662f \u5c08\u696d\u5728\u58d3\u529b\u4e0b\uff0c\u7f3a\u4e4f\u5236\u5ea6\u6027\u4fdd\u8b77\u7684\u5fc5\u7136\u7d50\u679c\u3002 \u4e8c\u3001\u6295\u8cc7\u8001\u5e2b VS \u7406\u8ca1\u9867\u554f \u2014 \u627f\u64d4\u4e0d\u540c\u7684\u5224\u65b7\u8cac\u4efb \u53f0\u7063\u6295\u8cc7\u5e02\u5834\u6709\u4e00\u500b\u975e\u5e38\u9bae\u660e\u3001\u537b\u7d93\u5e38\u88ab\u6df7\u7528\u7684\u89d2\u8272\u5dee\u7570\u3002\u591a\u6578\u4eba\u7fd2\u6163\u628a\u89e3\u8b80\u884c\u60c5\u3001\u5206\u6790\u500b\u80a1\u3001\u5e36\u9032\u5e36\u51fa\u7684\u4eba\u7a31\u70ba\u300c\u8001\u5e2b\u300d\u3002\u9019\u985e\u89d2\u8272\uff0c\u4e3b\u8981\u95dc\u6ce8\u7684\u662f\uff1a \u67d0\u4e00\u6bb5\u884c\u60c5 \u67d0\u4e00\u6a94\u6a19\u7684 \u77ed\u671f\u7e3e\u6548\u8207\u89e3\u91cb\u6b0a 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\u7576\u5c08\u696d\u5224\u65b7\u80fd\u88ab\u5236\u5ea6\u6258\u4f4f\uff0c\u4fe1\u4efb\u624d\u4e0d\u518d\u53ea\u662f\u4eba\u969b\u611f\u53d7\uff0c\u800c\u80fd\u9010\u6b65\u7d2f\u7a4d\u70ba\u53ef\u88ab\u9a57\u8b49\u3001\u53ef\u88ab\u5ef6\u7e8c\u7684 Digital Trust Capital\uff08\u6578\u4f4d\u4fe1\u4efb\u8cc7\u672c\uff09\u3002\u9019\u4e0d\u662f\u70ba\u4e86\u8b93\u5c08\u696d\u770b\u8d77\u4f86\u66f4\u53b2\u5bb3\uff0c\u800c\u662f\u70ba\u4e86\u8b93\u5c08\u696d\uff0c\u80fd\u5728\u4e00\u500b\u4eba\u6700\u9700\u8981\u5b83\u7684\u6642\u5019\uff0c\u4e0d\u5931\u771f\u3001\u4e0d\u9000\u5834\uff0c\u4e5f\u4e0d\u5fc5\u6bcf\u4e00\u6b21\u90fd\u5f9e\u96f6\u958b\u59cb\u3002 \u516d\u3001\u5e73\u53f0\u6cbb\u7406\u8207\u7cfb\u5217\u8aaa\u660e \u672c\u7cfb\u5217\u7531 Joseph Chen\uff08\u667a\u532f\u570b\u969b IF international\uff09 \u6574\u7406\u8207\u64b0\u5beb\uff0c\u7cfb\u7d71\u6027\u5f15\u4ecb\u7f8e\u570b CFP Board \u6240\u63a1\u7528\u4e4bThe Psychology of Financial Planning\uff08\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\uff09 \u80fd\u529b\u6846\u67b6\u3002\u5167\u5bb9\u805a\u7126\u65bc\u7406\u8ca1\u6c7a\u7b56\u6b77\u7a0b\u3001\u5c08\u696d\u5224\u65b7\u3001\u884c\u70ba\u504f\u8aa4\u8207\u4eba\u751f\u95dc\u9375\u4e8b\u4ef6\u4e4b\u4ea4\u6703\uff0c\u4e26\u4f5c\u70ba IF \u7406\u8ca1\u5546\u5b78\u9662\uff08FinQ Academy\uff09 \u8ab2\u7a0b\u8207\u7814\u7a76\u67b6\u69cb\u7684\u4e00\u90e8\u5206\u3002  \u672c\u7cfb\u5217\u4e4b\u5b8c\u6574\u6cbb\u7406\u5b9a\u7fa9\u3001\u67b6\u69cb\u8aaa\u660e\u8207\u6240\u6709 EP \u7d22\u5f15\uff0c\u8acb\u53c3\u95b1\uff1a\u3008\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\uff5c\u6cbb\u7406\u6bcd\u9801\u3009 \u672c\u6587\u539f\u59cb\u7248\u672c\u520a\u8f09\u65bc\u00a0\u667a\u532f\u570b\u969b IF international \u5b98\u65b9\u7db2\u7ad9\uff0c\u70ba\u7cfb\u5217\u6587\u7ae0\uff1a\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP5\u3002 \u4e03\u3001\u5ef6\u4f38\u95b1\u8b80 Professional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09\uff1a\u300aThe Psychology of Financial Planning\u300b\u5c0d\u61c9\u7ae0\u7bc0Chapter 1 Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff1a\u300aThe Psychology of Financial Planning\u300b\u5c0d\u61c9\u7ae0\u7bc0Chapter 6: \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 \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 \u6b64\u7bc7\u6587\u7ae0\u6700\u958b\u59cb\u51fa\u8655\u70ba: \u53ea\u807d\u300c\u5831\u540d\u724c\u300d\u5920\u55ce\uff1f\u5e02\u5834\u9707\u76ea\u4e0b\uff0c\u5c08\u696d\u5224\u65b7\u70ba\u4f55\u5bb9\u6613\u5931\u771f | \u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP5","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=409120","og_locale":"zh_TW","og_type":"article","og_title":"\u53ea\u807d\u300c\u5831\u540d\u724c\u300d\u5920\u55ce\uff1f\u5e02\u5834\u9707\u76ea\u4e0b\uff0c\u5c08\u696d\u5224\u65b7\u70ba\u4f55\u5bb9\u6613\u5931\u771f | \u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP5 - \u5c4f\u6771\u6642\u5831\u96fb\u5b50\u5831","og_description":"\u58a8\u65b0\u805e\uff5c\u8a18\u8005\u5a01\u91d1\uff0f\u53f0\u5317\u5831\u5c0e\u6295\u8cc7\u8001\u5e2b\u89e3\u91cb\u7684\u662f\u5e02\u5834\uff0c\u7406\u8ca1\u9867\u554f\u966a\u4f34\u7684\u662f\u4eba\u751f\u3002 \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\u884c\u70ba\u504f\u8aa4\u7684\u8a0e\u8ad6\uff0c\u7576\u5e02\u5834\u5287\u70c8\u6ce2\u52d5\u3001\u8a0a\u606f\u92ea\u5929\u84cb\u5730\u6642\uff0c\u591a\u6578\u4eba\u6700\u5148\u611f\u5230\u56f0\u60d1\u7684\uff0c\u5f80\u5f80\u4e0d\u662f\u7522\u54c1\u672c\u8eab\uff0c\u800c\u662f\u2014\u2014\u70ba\u4ec0\u9ebc\u300c\u4e4b\u524d\u770b\u8d77\u4f86\u5f88\u5c08\u696d\u7684\u5efa\u8b70\u300d\uff0c\u7a81\u7136\u8b8a\u5f97\u4e0d\u90a3\u9ebc\u53ef\u9760\uff1f \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u4e2d\uff0cProfessional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09 \u6307\u7684\u662f\u5c08\u696d\u4eba\u54e1\u5728\u9ad8\u5ea6\u4e0d\u78ba\u5b9a\u8207\u58d3\u529b\u60c5\u5883\u4e0b\uff0c\u4ecd\u80fd\u7dad\u6301\u6c7a\u7b56\u4e00\u81f4\u6027\u8207\u9577\u671f\u908f\u8f2f\u7684\u80fd\u529b\uff1b\u800c Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff0c\u5247\u662f\u5728\u5e02\u5834\u9707\u76ea\u3001\u60c5\u7dd2\u5347\u9ad8\u6642\uff0c\u7cfb\u7d71\u6027\u626d\u66f2\u9019\u7a2e\u5224\u65b7\u7684\u5fc3\u7406\u6a5f\u5236\u3002 \u9019\u6b63\u662f IF \u7406\u8ca1\u5546\u5b78\u9662 EP5 \u8981\u63a2\u8a0e\u7684\u6838\u5fc3\u554f\u984c\u3002 \u4e00\u3001\u70ba\u4ec0\u9ebc\u5e02\u5834\u9707\u76ea\u6642\uff0c\u5c08\u696d\u5224\u65b7\u53cd\u800c\u66f4\u5bb9\u6613\u8b8a\u5f62\uff1f \u591a\u6578\u4eba\u4ee5\u70ba\uff0c\u5c08\u696d\u4f86\u81ea\u77e5\u8b58\u3001\u7d93\u9a57\u8207\u7406\u6027\u8a08\u7b97\u3002\u53ea\u8981\u5206\u6790\u5920\u5b8c\u6574\uff0c\u5224\u65b7\u81ea\u7136\u6703\u6b63\u78ba\u3002 \u4f46\u5fc3\u7406\u5b78\u8207\u6c7a\u7b56\u79d1\u5b78\u53cd\u8986\u8b49\u5be6\uff1aProfessional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09\u4e26\u4e0d\u662f\u514d\u75ab\u9ad4\u7cfb\u3002\u7576\u5e02\u5834\u6025\u8dcc\u3001\u8cac\u4efb\u88ab\u653e\u5927\u3001\u5ba2\u6236\u60c5\u7dd2\u5347\u9ad8\u6642\uff0c\u5c08\u696d\u8005\u7684\u5927\u8166\u540c\u6a23\u6703\u555f\u52d5\u5178\u578b\u7684 Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff1a \u640d\u5931\u898f\u907f\uff1a\u5be7\u53ef\u4e0d\u52d5\u4f5c\uff0c\u4e5f\u4e0d\u9858\u627f\u64d4\u88ab\u6307\u8cac\u7684\u98a8\u96aa \u904e\u5ea6\u4fdd\u5b88\uff1a\u628a\u300c\u4e0d\u51fa\u932f\u300d\u8aa4\u7576\u6210\u300c\u6700\u5b89\u5168\u300d \u4e8b\u5f8c\u5408\u7406\u5316\uff1a\u7528\u570b\u969b\u60c5\u52e2\u3001\u653f\u6cbb\u6216\u6578\u64da\uff0c\u70ba\u5931\u6e96\u7684\u5224\u65b7\u627e\u7406\u7531 \u7d50\u679c\u662f\uff0c\u539f\u672c\u61c9\u8a72\u670d\u52d9\u9577\u671f\u4eba\u751f\u6c7a\u7b56\u7684 \u5c08\u696d\u5224\u65b7\uff0c\u5728\u9ad8\u58d3\u60c5\u5883\u4e0b\uff0c\u9000\u5316\u6210\u77ed\u671f\u60c5\u7dd2\u7ba1\u7406\u5de5\u5177\u3002\u9019\u4e0d\u662f\u5c08\u696d\u4e0d\u5920\uff0c\u800c\u662f \u5c08\u696d\u5728\u58d3\u529b\u4e0b\uff0c\u7f3a\u4e4f\u5236\u5ea6\u6027\u4fdd\u8b77\u7684\u5fc5\u7136\u7d50\u679c\u3002 \u4e8c\u3001\u6295\u8cc7\u8001\u5e2b VS \u7406\u8ca1\u9867\u554f \u2014 \u627f\u64d4\u4e0d\u540c\u7684\u5224\u65b7\u8cac\u4efb \u53f0\u7063\u6295\u8cc7\u5e02\u5834\u6709\u4e00\u500b\u975e\u5e38\u9bae\u660e\u3001\u537b\u7d93\u5e38\u88ab\u6df7\u7528\u7684\u89d2\u8272\u5dee\u7570\u3002\u591a\u6578\u4eba\u7fd2\u6163\u628a\u89e3\u8b80\u884c\u60c5\u3001\u5206\u6790\u500b\u80a1\u3001\u5e36\u9032\u5e36\u51fa\u7684\u4eba\u7a31\u70ba\u300c\u8001\u5e2b\u300d\u3002\u9019\u985e\u89d2\u8272\uff0c\u4e3b\u8981\u95dc\u6ce8\u7684\u662f\uff1a \u67d0\u4e00\u6bb5\u884c\u60c5 \u67d0\u4e00\u6a94\u6a19\u7684 \u77ed\u671f\u7e3e\u6548\u8207\u89e3\u91cb\u6b0a 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\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u771f\u6b63\u95dc\u5fc3\u7684\uff0c\u4e0d\u662f\uff1a\u4f60\u5920\u4e0d\u5920\u51b7\u975c\uff1f\u800c\u662f\uff1a\u4f60\u7684 Professional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09\uff0c\u662f\u5426\u88ab\u8a2d\u8a08\u6210\u80fd\u5728\u58d3\u529b\u4e0b\u4ecd\u7136\u7a69\u5b9a\uff1f \u5236\u5ea6\u5b58\u5728\u7684\u610f\u7fa9\uff0c\u6b63\u662f\u70ba\u4e86\u5728\u9ad8\u58d3\u60c5\u5883\u4e0b\uff0c\u628a Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\u5f9e\u5c08\u696d\u5224\u65b7\u6d41\u7a0b\u4e2d\u9694\u96e2\u3001\u7de9\u885d\u3001\u5438\u6536\u3002\u5e02\u5834\u9707\u76ea\u4e0d\u6703\u6d88\u5931\uff0c\u6050\u614c\u4e5f\u4e0d\u6703\u3002\u771f\u6b63\u7684\u5dee\u5225\uff0c\u5f9e\u4f86\u4e0d\u5728\u65bc\u8ab0\u6bd4\u8f03\u6703\u9810\u6e2c\u884c\u60c5\uff0c\u800c\u5728\u65bc\uff1a\u4f60\u7684\u5c08\u696d\uff0c\u662f\u4e0d\u662f\u53ea\u5728\u9806\u98a8\u6642\u770b\u8d77\u4f86\u6b63\u78ba\uff1f \u4e94\u3001\u7d50\u8a9e\uff5c\u5e02\u5834\u9707\u76ea\u771f\u6b63\u8003\u9a57\u7684\uff0c\u662f\u5c08\u696d\u80fd\u4e0d\u80fd\u6490\u904e\u4e00\u751f \u5982\u679c\u7406\u8ca1\u7684\u76ee\u6a19\uff0c\u53ea\u662f\u89e3\u91cb\u5e02\u5834\uff0c\u90a3\u9ebc\u77ed\u671f\u89c0\u9ede\u8207\u540d\u724c\u8cc7\u8a0a\u6216\u8a31\u5df2\u7d93\u8db3\u5920\uff1b\u4f46\u5982\u679c\u7406\u8ca1\u7684\u76ee\u6a19\uff0c\u662f\u966a\u4f34\u4e00\u500b\u4eba\u8d70\u5b8c\u6574\u500b\u4eba\u751f\uff0c\u90a3\u9ebc\u5c08\u696d\u9664\u4e86\u6703\u5206\u6790\u5e02\u5834\uff0c\u66f4\u5fc5\u9808\u80fd\u5728\u58d3\u529b\u4e0b\uff0c\u7dad\u6301\u5224\u65b7\u7684\u4e00\u81f4\u6027\u3001\u53ef\u627f\u53d7\u6027\u8207\u53ef\u5ef6\u7e8c\u6027\u3002 \u9019\u6b63\u662f CFP\u00ae \u7406\u8ca1\u9867\u554f \u8207\u6295\u8cc7\u578b\u89d2\u8272\u7684\u6839\u672c\u5dee\u7570\u3002CFP\u00ae \u6240\u627f\u64d4\u7684\uff0c\u4e26\u4e0d\u662f\u4e00\u6b21\u5224\u65b7\u7684\u5c0d\u932f\uff0c\u800c\u662f\u5728\u6536\u5165\u8b8a\u52d5\u3001\u5bb6\u5ead\u8cac\u4efb\u3001\u91cd\u5927\u98a8\u96aa\u8207\u4eba\u751f\u8f49\u6298\u4ea4\u932f\u4e4b\u4e2d\uff0c\u5354\u52a9\u500b\u4eba\u8207\u5bb6\u5ead\uff0c\u5728\u5168\u751f\u547d\u9031\u671f\u4e2d\u505a\u51fa\u80fd\u5920\u6301\u7e8c\u6210\u7acb\u7684\u8ca1\u52d9\u6c7a\u7b56\u3002 \u4e5f\u6b63\u56e0\u5982\u6b64\uff0c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 \u624d\u6210\u70ba CFP\u00ae \u5c08\u696d\u9ad4\u7cfb\u4e2d\u4e0d\u53ef\u6216\u7f3a\u7684\u4e00\u74b0\u3002\u5b83\u95dc\u5fc3\u7684\uff0c\u4e0d\u662f\u8ab0\u6bd4\u8f03\u51b7\u975c\uff0c\u800c\u662f Professional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09\u662f\u5426\u88ab\u8a2d\u8a08\u6210\u80fd\u5728\u884c\u70ba\u504f\u8aa4\u8207\u9ad8\u58d3\u60c5\u5883\u4e0b\uff0c\u4f9d\u7136\u7a69\u5b9a\u904b\u4f5c\u3002 \u7576\u5c08\u696d\u5224\u65b7\u80fd\u88ab\u5236\u5ea6\u6258\u4f4f\uff0c\u4fe1\u4efb\u624d\u4e0d\u518d\u53ea\u662f\u4eba\u969b\u611f\u53d7\uff0c\u800c\u80fd\u9010\u6b65\u7d2f\u7a4d\u70ba\u53ef\u88ab\u9a57\u8b49\u3001\u53ef\u88ab\u5ef6\u7e8c\u7684 Digital Trust Capital\uff08\u6578\u4f4d\u4fe1\u4efb\u8cc7\u672c\uff09\u3002\u9019\u4e0d\u662f\u70ba\u4e86\u8b93\u5c08\u696d\u770b\u8d77\u4f86\u66f4\u53b2\u5bb3\uff0c\u800c\u662f\u70ba\u4e86\u8b93\u5c08\u696d\uff0c\u80fd\u5728\u4e00\u500b\u4eba\u6700\u9700\u8981\u5b83\u7684\u6642\u5019\uff0c\u4e0d\u5931\u771f\u3001\u4e0d\u9000\u5834\uff0c\u4e5f\u4e0d\u5fc5\u6bcf\u4e00\u6b21\u90fd\u5f9e\u96f6\u958b\u59cb\u3002 \u516d\u3001\u5e73\u53f0\u6cbb\u7406\u8207\u7cfb\u5217\u8aaa\u660e \u672c\u7cfb\u5217\u7531 Joseph Chen\uff08\u667a\u532f\u570b\u969b IF international\uff09 \u6574\u7406\u8207\u64b0\u5beb\uff0c\u7cfb\u7d71\u6027\u5f15\u4ecb\u7f8e\u570b CFP Board \u6240\u63a1\u7528\u4e4bThe Psychology of Financial Planning\uff08\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\uff09 \u80fd\u529b\u6846\u67b6\u3002\u5167\u5bb9\u805a\u7126\u65bc\u7406\u8ca1\u6c7a\u7b56\u6b77\u7a0b\u3001\u5c08\u696d\u5224\u65b7\u3001\u884c\u70ba\u504f\u8aa4\u8207\u4eba\u751f\u95dc\u9375\u4e8b\u4ef6\u4e4b\u4ea4\u6703\uff0c\u4e26\u4f5c\u70ba IF \u7406\u8ca1\u5546\u5b78\u9662\uff08FinQ Academy\uff09 \u8ab2\u7a0b\u8207\u7814\u7a76\u67b6\u69cb\u7684\u4e00\u90e8\u5206\u3002  \u672c\u7cfb\u5217\u4e4b\u5b8c\u6574\u6cbb\u7406\u5b9a\u7fa9\u3001\u67b6\u69cb\u8aaa\u660e\u8207\u6240\u6709 EP \u7d22\u5f15\uff0c\u8acb\u53c3\u95b1\uff1a\u3008\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\uff5c\u6cbb\u7406\u6bcd\u9801\u3009 \u672c\u6587\u539f\u59cb\u7248\u672c\u520a\u8f09\u65bc\u00a0\u667a\u532f\u570b\u969b IF international \u5b98\u65b9\u7db2\u7ad9\uff0c\u70ba\u7cfb\u5217\u6587\u7ae0\uff1a\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP5\u3002 \u4e03\u3001\u5ef6\u4f38\u95b1\u8b80 Professional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09\uff1a\u300aThe Psychology of Financial Planning\u300b\u5c0d\u61c9\u7ae0\u7bc0Chapter 1 Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff1a\u300aThe Psychology of Financial Planning\u300b\u5c0d\u61c9\u7ae0\u7bc0Chapter 6: \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 \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 \u6b64\u7bc7\u6587\u7ae0\u6700\u958b\u59cb\u51fa\u8655\u70ba: 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EP5","og_url":"https:\/\/pingtungtimes.com.tw\/?p=409120","og_site_name":"\u5c4f\u6771\u6642\u5831\u96fb\u5b50\u5831","article_publisher":"https:\/\/www.facebook.com\/pingtungnews","article_published_time":"2026-02-09T02:54:49+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=409120#article","isPartOf":{"@id":"https:\/\/pingtungtimes.com.tw\/?p=409120"},"author":{"name":"\u58a8\u65b0\u805e","@id":"https:\/\/pingtungtimes.com.tw\/#\/schema\/person\/f94298183f8c6a6728bf98784fa54601"},"headline":"\u53ea\u807d\u300c\u5831\u540d\u724c\u300d\u5920\u55ce\uff1f\u5e02\u5834\u9707\u76ea\u4e0b\uff0c\u5c08\u696d\u5224\u65b7\u70ba\u4f55\u5bb9\u6613\u5931\u771f | 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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=409120#primaryimage"},"image":{"@id":"https:\/\/pingtungtimes.com.tw\/?p=409120#primaryimage"},"thumbnailUrl":"https:\/\/pingtungtimes.com.tw\/wp-content\/uploads\/2026\/02\/IF_FinQ-Academy_Psychology-of-Financial-Planning_CFP_Professional-Judgment_Behavioral-Bias_Market-Volatility.webp","datePublished":"2026-02-09T02:54:49+00:00","description":"\u58a8\u65b0\u805e\uff5c\u8a18\u8005\u5a01\u91d1\uff0f\u53f0\u5317\u5831\u5c0e\u6295\u8cc7\u8001\u5e2b\u89e3\u91cb\u7684\u662f\u5e02\u5834\uff0c\u7406\u8ca1\u9867\u554f\u966a\u4f34\u7684\u662f\u4eba\u751f\u3002 \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\u884c\u70ba\u504f\u8aa4\u7684\u8a0e\u8ad6\uff0c\u7576\u5e02\u5834\u5287\u70c8\u6ce2\u52d5\u3001\u8a0a\u606f\u92ea\u5929\u84cb\u5730\u6642\uff0c\u591a\u6578\u4eba\u6700\u5148\u611f\u5230\u56f0\u60d1\u7684\uff0c\u5f80\u5f80\u4e0d\u662f\u7522\u54c1\u672c\u8eab\uff0c\u800c\u662f\u2014\u2014\u70ba\u4ec0\u9ebc\u300c\u4e4b\u524d\u770b\u8d77\u4f86\u5f88\u5c08\u696d\u7684\u5efa\u8b70\u300d\uff0c\u7a81\u7136\u8b8a\u5f97\u4e0d\u90a3\u9ebc\u53ef\u9760\uff1f \u5728\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u4e2d\uff0cProfessional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09 \u6307\u7684\u662f\u5c08\u696d\u4eba\u54e1\u5728\u9ad8\u5ea6\u4e0d\u78ba\u5b9a\u8207\u58d3\u529b\u60c5\u5883\u4e0b\uff0c\u4ecd\u80fd\u7dad\u6301\u6c7a\u7b56\u4e00\u81f4\u6027\u8207\u9577\u671f\u908f\u8f2f\u7684\u80fd\u529b\uff1b\u800c Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff0c\u5247\u662f\u5728\u5e02\u5834\u9707\u76ea\u3001\u60c5\u7dd2\u5347\u9ad8\u6642\uff0c\u7cfb\u7d71\u6027\u626d\u66f2\u9019\u7a2e\u5224\u65b7\u7684\u5fc3\u7406\u6a5f\u5236\u3002 \u9019\u6b63\u662f IF \u7406\u8ca1\u5546\u5b78\u9662 EP5 \u8981\u63a2\u8a0e\u7684\u6838\u5fc3\u554f\u984c\u3002 \u4e00\u3001\u70ba\u4ec0\u9ebc\u5e02\u5834\u9707\u76ea\u6642\uff0c\u5c08\u696d\u5224\u65b7\u53cd\u800c\u66f4\u5bb9\u6613\u8b8a\u5f62\uff1f \u591a\u6578\u4eba\u4ee5\u70ba\uff0c\u5c08\u696d\u4f86\u81ea\u77e5\u8b58\u3001\u7d93\u9a57\u8207\u7406\u6027\u8a08\u7b97\u3002\u53ea\u8981\u5206\u6790\u5920\u5b8c\u6574\uff0c\u5224\u65b7\u81ea\u7136\u6703\u6b63\u78ba\u3002 \u4f46\u5fc3\u7406\u5b78\u8207\u6c7a\u7b56\u79d1\u5b78\u53cd\u8986\u8b49\u5be6\uff1aProfessional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09\u4e26\u4e0d\u662f\u514d\u75ab\u9ad4\u7cfb\u3002\u7576\u5e02\u5834\u6025\u8dcc\u3001\u8cac\u4efb\u88ab\u653e\u5927\u3001\u5ba2\u6236\u60c5\u7dd2\u5347\u9ad8\u6642\uff0c\u5c08\u696d\u8005\u7684\u5927\u8166\u540c\u6a23\u6703\u555f\u52d5\u5178\u578b\u7684 Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\uff1a \u640d\u5931\u898f\u907f\uff1a\u5be7\u53ef\u4e0d\u52d5\u4f5c\uff0c\u4e5f\u4e0d\u9858\u627f\u64d4\u88ab\u6307\u8cac\u7684\u98a8\u96aa \u904e\u5ea6\u4fdd\u5b88\uff1a\u628a\u300c\u4e0d\u51fa\u932f\u300d\u8aa4\u7576\u6210\u300c\u6700\u5b89\u5168\u300d \u4e8b\u5f8c\u5408\u7406\u5316\uff1a\u7528\u570b\u969b\u60c5\u52e2\u3001\u653f\u6cbb\u6216\u6578\u64da\uff0c\u70ba\u5931\u6e96\u7684\u5224\u65b7\u627e\u7406\u7531 \u7d50\u679c\u662f\uff0c\u539f\u672c\u61c9\u8a72\u670d\u52d9\u9577\u671f\u4eba\u751f\u6c7a\u7b56\u7684 \u5c08\u696d\u5224\u65b7\uff0c\u5728\u9ad8\u58d3\u60c5\u5883\u4e0b\uff0c\u9000\u5316\u6210\u77ed\u671f\u60c5\u7dd2\u7ba1\u7406\u5de5\u5177\u3002\u9019\u4e0d\u662f\u5c08\u696d\u4e0d\u5920\uff0c\u800c\u662f \u5c08\u696d\u5728\u58d3\u529b\u4e0b\uff0c\u7f3a\u4e4f\u5236\u5ea6\u6027\u4fdd\u8b77\u7684\u5fc5\u7136\u7d50\u679c\u3002 \u4e8c\u3001\u6295\u8cc7\u8001\u5e2b VS \u7406\u8ca1\u9867\u554f \u2014 \u627f\u64d4\u4e0d\u540c\u7684\u5224\u65b7\u8cac\u4efb \u53f0\u7063\u6295\u8cc7\u5e02\u5834\u6709\u4e00\u500b\u975e\u5e38\u9bae\u660e\u3001\u537b\u7d93\u5e38\u88ab\u6df7\u7528\u7684\u89d2\u8272\u5dee\u7570\u3002\u591a\u6578\u4eba\u7fd2\u6163\u628a\u89e3\u8b80\u884c\u60c5\u3001\u5206\u6790\u500b\u80a1\u3001\u5e36\u9032\u5e36\u51fa\u7684\u4eba\u7a31\u70ba\u300c\u8001\u5e2b\u300d\u3002\u9019\u985e\u89d2\u8272\uff0c\u4e3b\u8981\u95dc\u6ce8\u7684\u662f\uff1a \u67d0\u4e00\u6bb5\u884c\u60c5 \u67d0\u4e00\u6a94\u6a19\u7684 \u77ed\u671f\u7e3e\u6548\u8207\u89e3\u91cb\u6b0a \u884c\u60c5\u4e0a\u6f32\u6642\uff0c\u6230\u7e3e\u88ab\u653e\u5927\uff1b\u884c\u60c5\u4e0b\u8dcc\u6642\uff0c\u7406\u7531\u4e5f\u6703\u8ddf\u8457\u8b8a\u591a\u3002\u9019\u4e0d\u662f\u5c0d\u932f\u554f\u984c\uff0c\u800c\u662f\u56e0\u70ba\u9019\u985e\u5224\u65b7\uff0c\u672c\u4f86\u5c31\u88ab\u8a2d\u5b9a\u5728\u77ed\u6642\u9593\u5c3a\u5ea6\u4e4b\u4e2d\u3002 \u7406\u8ca1\u9867\u554f\uff08CFP\u00ae\uff09\u6240\u627f\u64d4\u7684\uff0c\u537b\u662f\u53e6\u4e00\u7a2e\u5b8c\u5168\u4e0d\u540c\u7684\u5224\u65b7\u8cac\u4efb\u3002\u7406\u8ca1\u898f\u5283\u95dc\u5fc3\u7684\uff0c\u4e0d\u662f\u4e00\u6b21\u9032\u51fa\u5834\u662f\u5426\u6f02\u4eae\uff0c\u800c\u662f\u4e00\u500b\u4eba\uff0c\u80fd\u4e0d\u80fd\u5728\u5e02\u5834\u6ce2\u52d5\u8207\u4eba\u751f\u8f49\u6298\u4e2d\uff0c\u7dad\u6301\u6574\u9ad4\u6c7a\u7b56\u7684\u7a69\u5b9a\u6027\u8207\u5b89\u5168\u6027\u3002 \u4e09\u3001\u7576\u6c7a\u7b56\u5c3a\u5ea6\u62c9\u5230\u300c\u5168\u751f\u547d\u9031\u671f\u300d\uff0c\u5e02\u5834\u6ce2\u52d5\u5c31\u4e0d\u518d\u662f\u552f\u4e00\u7b54\u6848 \u4e00\u65e6\u5224\u65b7\u5c3a\u5ea6\u62c9\u9577\u5230\u5168\u751f\u547d\u9031\u671f\uff0c\u7406\u8ca1\u898f\u5283\u6240\u8655\u7406\u7684\u554f\u984c\uff0c\u5c31\u6703\u5fb9\u5e95\u4e0d\u540c\u3002\u5b83\u5fc5\u9808\u540c\u6642\u601d\u8003\uff1a \u6536\u5165\u8207\u73fe\u91d1\u6d41\u662f\u5426\u8db3\u4ee5\u652f\u6490\u751f\u6d3b \u98a8\u96aa\u662f\u5426\u5df2\u7531\u4fdd\u96aa\u8207\u9810\u5099\u91d1\u627f\u63a5 \u8cc7\u7522\u5982\u4f55\u5728\u80a1\u7968\u3001\u57fa\u91d1\u3001\u50b5\u5238\u3001\u623f\u5730\u7522\u4e4b\u9593\u53d6\u5f97\u5e73\u8861 \u5728\u9000\u4f11\u3001\u75be\u75c5\u3001\u5931\u80fd\u3001\u5bb6\u5ead\u8b8a\u52d5\u6642\uff0c\u6c7a\u7b56\u662f\u5426\u4ecd\u7136\u7ad9\u5f97\u4f4f \u8cc7\u7522\u5982\u4f55\u5728\u4e16\u4ee3\u4e4b\u9593\u4ea4\u63a5\uff0c\u5305\u542b\u7e7c\u627f\u8207\u4fe1\u8a17\u5b89\u6392 \u5728\u9019\u500b\u5c3a\u5ea6\u4e0b\uff0c\u77ed\u671f\u5e02\u5834\u6f32\u8dcc\u4e0d\u518d\u662f\u5224\u65b7\u5c0d\u932f\u7684\u552f\u4e00\u6a19\u6e96\u3002\u4e5f\u6b63\u662f\u5728\u9019\u88e1\u7522\u751f\u5340\u5225\uff1a\u6295\u8cc7\u8001\u5e2b\u95dc\u6ce8\u7684\u662f\u5e02\u5834\uff0c\u7406\u8ca1\u9867\u554f\u5354\u52a9\u7684\u662f\u4eba\u751f\u3002 \u56db\u3001\u5c08\u696d\u4e0d\u80fd\u53ea\u9760\u51b7\u975c\uff0c\u800c\u5fc5\u9808\u6709\u5236\u5ea6\u652f\u6490 \u5982\u679c\u4e00\u500b\u5c08\u696d\u9ad4\u7cfb\uff0c\u5fc5\u9808\u5b8c\u5168\u4ef0\u8cf4\u500b\u4eba\u5fc3\u7406\u7d20\u8cea\uff0c\u5728\u5e02\u5834\u6050\u614c\u8207\u5916\u754c\u58d3\u529b\u4e0b\u786c\u6490\u7406\u6027\uff0c\u90a3\u9019\u500b\u9ad4\u7cfb\u672c\u8eab\u5c31\u4e0d\u5177\u5099\u53ef\u8907\u88fd\u6027\u3002 \u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\u771f\u6b63\u95dc\u5fc3\u7684\uff0c\u4e0d\u662f\uff1a\u4f60\u5920\u4e0d\u5920\u51b7\u975c\uff1f\u800c\u662f\uff1a\u4f60\u7684 Professional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09\uff0c\u662f\u5426\u88ab\u8a2d\u8a08\u6210\u80fd\u5728\u58d3\u529b\u4e0b\u4ecd\u7136\u7a69\u5b9a\uff1f \u5236\u5ea6\u5b58\u5728\u7684\u610f\u7fa9\uff0c\u6b63\u662f\u70ba\u4e86\u5728\u9ad8\u58d3\u60c5\u5883\u4e0b\uff0c\u628a Behavioral Biases\uff08\u884c\u70ba\u504f\u8aa4\uff09\u5f9e\u5c08\u696d\u5224\u65b7\u6d41\u7a0b\u4e2d\u9694\u96e2\u3001\u7de9\u885d\u3001\u5438\u6536\u3002\u5e02\u5834\u9707\u76ea\u4e0d\u6703\u6d88\u5931\uff0c\u6050\u614c\u4e5f\u4e0d\u6703\u3002\u771f\u6b63\u7684\u5dee\u5225\uff0c\u5f9e\u4f86\u4e0d\u5728\u65bc\u8ab0\u6bd4\u8f03\u6703\u9810\u6e2c\u884c\u60c5\uff0c\u800c\u5728\u65bc\uff1a\u4f60\u7684\u5c08\u696d\uff0c\u662f\u4e0d\u662f\u53ea\u5728\u9806\u98a8\u6642\u770b\u8d77\u4f86\u6b63\u78ba\uff1f \u4e94\u3001\u7d50\u8a9e\uff5c\u5e02\u5834\u9707\u76ea\u771f\u6b63\u8003\u9a57\u7684\uff0c\u662f\u5c08\u696d\u80fd\u4e0d\u80fd\u6490\u904e\u4e00\u751f \u5982\u679c\u7406\u8ca1\u7684\u76ee\u6a19\uff0c\u53ea\u662f\u89e3\u91cb\u5e02\u5834\uff0c\u90a3\u9ebc\u77ed\u671f\u89c0\u9ede\u8207\u540d\u724c\u8cc7\u8a0a\u6216\u8a31\u5df2\u7d93\u8db3\u5920\uff1b\u4f46\u5982\u679c\u7406\u8ca1\u7684\u76ee\u6a19\uff0c\u662f\u966a\u4f34\u4e00\u500b\u4eba\u8d70\u5b8c\u6574\u500b\u4eba\u751f\uff0c\u90a3\u9ebc\u5c08\u696d\u9664\u4e86\u6703\u5206\u6790\u5e02\u5834\uff0c\u66f4\u5fc5\u9808\u80fd\u5728\u58d3\u529b\u4e0b\uff0c\u7dad\u6301\u5224\u65b7\u7684\u4e00\u81f4\u6027\u3001\u53ef\u627f\u53d7\u6027\u8207\u53ef\u5ef6\u7e8c\u6027\u3002 \u9019\u6b63\u662f CFP\u00ae \u7406\u8ca1\u9867\u554f \u8207\u6295\u8cc7\u578b\u89d2\u8272\u7684\u6839\u672c\u5dee\u7570\u3002CFP\u00ae \u6240\u627f\u64d4\u7684\uff0c\u4e26\u4e0d\u662f\u4e00\u6b21\u5224\u65b7\u7684\u5c0d\u932f\uff0c\u800c\u662f\u5728\u6536\u5165\u8b8a\u52d5\u3001\u5bb6\u5ead\u8cac\u4efb\u3001\u91cd\u5927\u98a8\u96aa\u8207\u4eba\u751f\u8f49\u6298\u4ea4\u932f\u4e4b\u4e2d\uff0c\u5354\u52a9\u500b\u4eba\u8207\u5bb6\u5ead\uff0c\u5728\u5168\u751f\u547d\u9031\u671f\u4e2d\u505a\u51fa\u80fd\u5920\u6301\u7e8c\u6210\u7acb\u7684\u8ca1\u52d9\u6c7a\u7b56\u3002 \u4e5f\u6b63\u56e0\u5982\u6b64\uff0c\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 \u624d\u6210\u70ba CFP\u00ae \u5c08\u696d\u9ad4\u7cfb\u4e2d\u4e0d\u53ef\u6216\u7f3a\u7684\u4e00\u74b0\u3002\u5b83\u95dc\u5fc3\u7684\uff0c\u4e0d\u662f\u8ab0\u6bd4\u8f03\u51b7\u975c\uff0c\u800c\u662f Professional Judgment\uff08\u5c08\u696d\u5224\u65b7\uff09\u662f\u5426\u88ab\u8a2d\u8a08\u6210\u80fd\u5728\u884c\u70ba\u504f\u8aa4\u8207\u9ad8\u58d3\u60c5\u5883\u4e0b\uff0c\u4f9d\u7136\u7a69\u5b9a\u904b\u4f5c\u3002 \u7576\u5c08\u696d\u5224\u65b7\u80fd\u88ab\u5236\u5ea6\u6258\u4f4f\uff0c\u4fe1\u4efb\u624d\u4e0d\u518d\u53ea\u662f\u4eba\u969b\u611f\u53d7\uff0c\u800c\u80fd\u9010\u6b65\u7d2f\u7a4d\u70ba\u53ef\u88ab\u9a57\u8b49\u3001\u53ef\u88ab\u5ef6\u7e8c\u7684 Digital Trust Capital\uff08\u6578\u4f4d\u4fe1\u4efb\u8cc7\u672c\uff09\u3002\u9019\u4e0d\u662f\u70ba\u4e86\u8b93\u5c08\u696d\u770b\u8d77\u4f86\u66f4\u53b2\u5bb3\uff0c\u800c\u662f\u70ba\u4e86\u8b93\u5c08\u696d\uff0c\u80fd\u5728\u4e00\u500b\u4eba\u6700\u9700\u8981\u5b83\u7684\u6642\u5019\uff0c\u4e0d\u5931\u771f\u3001\u4e0d\u9000\u5834\uff0c\u4e5f\u4e0d\u5fc5\u6bcf\u4e00\u6b21\u90fd\u5f9e\u96f6\u958b\u59cb\u3002 \u516d\u3001\u5e73\u53f0\u6cbb\u7406\u8207\u7cfb\u5217\u8aaa\u660e \u672c\u7cfb\u5217\u7531 Joseph Chen\uff08\u667a\u532f\u570b\u969b IF international\uff09 \u6574\u7406\u8207\u64b0\u5beb\uff0c\u7cfb\u7d71\u6027\u5f15\u4ecb\u7f8e\u570b CFP Board \u6240\u63a1\u7528\u4e4bThe Psychology of Financial Planning\uff08\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\uff09 \u80fd\u529b\u6846\u67b6\u3002\u5167\u5bb9\u805a\u7126\u65bc\u7406\u8ca1\u6c7a\u7b56\u6b77\u7a0b\u3001\u5c08\u696d\u5224\u65b7\u3001\u884c\u70ba\u504f\u8aa4\u8207\u4eba\u751f\u95dc\u9375\u4e8b\u4ef6\u4e4b\u4ea4\u6703\uff0c\u4e26\u4f5c\u70ba IF \u7406\u8ca1\u5546\u5b78\u9662\uff08FinQ Academy\uff09 \u8ab2\u7a0b\u8207\u7814\u7a76\u67b6\u69cb\u7684\u4e00\u90e8\u5206\u3002 \u672c\u7cfb\u5217\u4e4b\u5b8c\u6574\u6cbb\u7406\u5b9a\u7fa9\u3001\u67b6\u69cb\u8aaa\u660e\u8207\u6240\u6709 EP \u7d22\u5f15\uff0c\u8acb\u53c3\u95b1\uff1a\u3008\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78\uff5c\u6cbb\u7406\u6bcd\u9801\u3009 \u672c\u6587\u539f\u59cb\u7248\u672c\u520a\u8f09\u65bc\u00a0\u667a\u532f\u570b\u969b IF international \u5b98\u65b9\u7db2\u7ad9\uff0c\u70ba\u7cfb\u5217\u6587\u7ae0\uff1a\u7406\u8ca1\u898f\u5283\u5fc3\u7406\u5b78 EP5\u3002 \u4e03\u3001\u5ef6\u4f38\u95b1\u8b80 Professional 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