{"id":20230,"date":"2026-10-30T23:36:12","date_gmt":"2026-10-30T15:36:12","guid":{"rendered":"https:\/\/www.qicaiying.cn\/archives\/20230"},"modified":"2026-10-30T23:36:12","modified_gmt":"2026-10-30T15:36:12","slug":"%e9%a6%99%e6%b8%af%e5%85%ac%e5%8f%b8%e5%b9%b4%e5%ae%a1%e9%80%be%e6%9c%9f%e7%bd%9a%e6%ac%be%e6%b8%85%e5%8d%95%ef%bc%9a%e4%bb%8e105%e6%b8%af%e5%85%83%e5%88%b0%e8%a2%ab%e9%99%a4%e5%90%8d%ef%bc%8c","status":"publish","type":"post","link":"https:\/\/www.qicaiying.cn\/en\/archives\/20230","title":{"rendered":"\u9999\u6e2f\u516c\u53f8\u5e74\u5ba1\u903e\u671f\u7f5a\u6b3e\u6e05\u5355\uff1a\u4ece105\u6e2f\u5143\u5230\u88ab\u9664\u540d\uff0c\u4e94\u6761\u7ea2\u7ebf\u522b\u8e29"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/qcyboss.oss-cn-shenzhen.aliyuncs.com\/wp-content\/uploads\/2026\/10\/20261030233408306.jpg\" alt=\"\u4f01\u8d22\u76c8\u96c6\u56e2 \u00b7 \u626b\u7801\u514d\u8d39\u54a8\u8be2\u5ba2\u670d\uff08\u56fd\u5185\u516c\u53f8\u6ce8\u518c\uff5c\u6d77\u5916\u516c\u53f8\u6ce8\u518c\uff1a\u9999\u6e2f\/\u7f8e\u56fd\/\u65e5\u672c\/\u82f1\u56fd\/\u65b0\u52a0\u5761\/\u6cf0\u56fd\/\u8d8a\u5357\uff09\uff0c\u54a8\u8be2\u7535\u8bdd\/\u5fae\u4fe1\uff1a18676749275\" \/><\/p>\n<blockquote>\n<p>\u4f01\u8d22\u76c8\u96c6\u56e2\u4e13\u4e1a\u63d0\u4f9b\u9999\u6e2f\u516c\u53f8\u5e74\u5ba1\u3001SCR\u5907\u5b58\u4e0e\u505a\u8d26\u5ba1\u8ba1\u670d\u52a1\uff0c\u6709\u9700\u8981\u968f\u65f6\u8054\u7cfb\u6211\u4eec\uff08\u54a8\u8be2\u7535\u8bdd\/\u5fae\u4fe1\uff1a18676749275\uff09\u3002<\/p>\n<\/blockquote>\n<p>\u6709\u4f4d\u505a\u5bb6\u5c45\u8de8\u5883\u7684\u8001\u677f\uff0c2021 \u5e74\u5728\u9999\u6e2f\u6ce8\u518c\u4e86\u4e00\u5bb6\u516c\u53f8\uff0c\u6536\u4e86\u4e24\u5e74\u5e73\u53f0\u8d27\u6b3e\uff0c2023 \u5e74\u56e0\u4e3a\u4e3b\u529b\u5e97\u94fa\u88ab\u5c01\uff0c\u4eba\u4e5f\u5c31\u6ca1\u518d\u7ba1\u8fd9\u5bb6\u516c\u53f8\u3002\u4eca\u5e74\u4ed6\u60f3\u91cd\u65b0\u542f\u7528\u8fd9\u4e2a\u4e3b\u4f53\u53bb\u8c08\u4e00\u4e2a\u6d77\u5916\u5ba2\u6237\uff0c\u4e00\u67e5\u72b6\u6001\uff1a\u516c\u53f8\u5df2\u88ab\u9664\u540d\uff0c\u540d\u4e0b\u94f6\u884c\u8d26\u6237\u88ab\u51bb\u7ed3\uff0c\u8d26\u6237\u91cc\u8fd8\u6709\u56db\u5341\u591a\u4e07\u6e2f\u5e01\u3002<\/p>\n<p>\u6062\u590d\u6ce8\u518c\u7684\u8d39\u7528\u3001\u8865\u505a\u7684\u4e09\u4efd\u5ba1\u8ba1\u62a5\u544a\u3001\u903e\u671f\u4e24\u5e74\u591a\u7684\u5468\u5e74\u7533\u62a5\u7f5a\u6b3e\u3001\u94f6\u884c\u91cd\u65b0\u5c3d\u8c03\u7684\u65f6\u95f4\u6210\u672c\uff0c\u52a0\u8d77\u6765\u8fdc\u8d85\u4ed6\u5f53\u5e74\u7701\u4e0b\u7684\u90a3\u70b9\u4ee3\u7406\u8d39\u3002<\/p>\n<p>\u5148\u628a\u6838\u5fc3\u7ed3\u8bba\u653e\u524d\u9762\uff1a\u9999\u6e2f\u516c\u53f8\u7684\u5408\u89c4\u6210\u672c\u662f\u521a\u6027\u7684\u3001\u6309\u5e74\u8ba1\u8d39\u7684\uff0c\u4e0d\u4f1a\u56e0\u4e3a\u4f60&#8221;\u4eca\u5e74\u6ca1\u505a\u751f\u610f&#8221;\u5c31\u6682\u505c\u3002\u5ffd\u7565\u5b83\uff0c\u4ee3\u4ef7\u4e0d\u662f\u7f5a\u6b3e\u672c\u8eab\uff0c\u800c\u662f\u4e3b\u4f53\u5931\u6548\u3001\u8d26\u6237\u51bb\u7ed3\u3001\u8463\u4e8b\u88ab\u5217\u5165\u4e0d\u826f\u8bb0\u5f55\u3002<\/p>\n<h2>\u4e00\u3001\u7b2c\u4e00\u9053\u7ea2\u7ebf\uff1a\u5468\u5e74\u7533\u62a5\u8868\uff0c42 \u5929\u662f\u5206\u6c34\u5cad<\/h2>\n<p>\u9999\u6e2f\u516c\u53f8\u6210\u7acb\u5468\u5e74\u65e5\u540e\u7684 42 \u5929\u5185\uff0c\u5fc5\u987b\u5411\u516c\u53f8\u6ce8\u518c\u5904\u63d0\u4ea4\u5468\u5e74\u7533\u62a5\u8868\uff08NAR1\uff09\u3002\u903e\u671f\u63d0\u4ea4\u6309\u65f6\u95f4\u9636\u68af\u6536\u8d39\uff0c\u62d6\u5f97\u8d8a\u4e45\u8d8a\u8d35\uff1a<\/p>\n<table>\n<tbody>\n<tr>\n<th>Duration of Delinquency<\/th>\n<th>\u5468\u5e74\u7533\u62a5\u8868\u767b\u8bb0\u8d39\uff08\u6e2f\u5143\uff09<\/th>\n<th>note<\/th>\n<\/tr>\n<tr>\n<td>42 \u5929\u5185<\/td>\n<td>105<\/td>\n<td>\u6b63\u5e38\u65f6\u9650\u5185<\/td>\n<\/tr>\n<tr>\n<td>\u8d85\u8fc7 42 \u5929\uff0c\u4e0d\u8d85\u8fc7 3 \u4e2a\u6708<\/td>\n<td>870<\/td>\n<td>\u5df2\u5c5e\u903e\u671f<\/td>\n<\/tr>\n<tr>\n<td>\u8d85\u8fc7 3 \u4e2a\u6708\uff0c\u4e0d\u8d85\u8fc7 6 \u4e2a\u6708<\/td>\n<td>1,740<\/td>\n<td>\u7f5a\u6b3e\u7ffb\u500d<\/td>\n<\/tr>\n<tr>\n<td>\u8d85\u8fc7 6 \u4e2a\u6708\uff0c\u4e0d\u8d85\u8fc7 9 \u4e2a\u6708<\/td>\n<td>2,610<\/td>\n<td>\u9ad8\u98ce\u9669\u533a<\/td>\n<\/tr>\n<tr>\n<td>\u8d85\u8fc7 9 \u4e2a\u6708<\/td>\n<td>3,480<\/td>\n<td>\u53ef\u88ab\u542f\u52a8\u9664\u540d\u7a0b\u5e8f<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u540c\u65f6\uff0c\u5546\u4e1a\u767b\u8bb0\u8bc1\u6bcf\u5e74\u8981\u7eed\u671f\uff0c\u903e\u671f\u6362\u9886\u53e6\u6709\u4e00\u7b14 300 \u6e2f\u5143\u7684\u9644\u52a0\u8d39\u3002\u8fd9\u4e24\u7b14\u662f\u6700\u5bb9\u6613\u88ab&#8221;\u5fd8\u8bb0&#8221;\u7684\u56fa\u5b9a\u652f\u51fa\uff0c\u56e0\u4e3a\u5b83\u4eec\u8ddf\u4e1a\u52a1\u91cf\u65e0\u5173\u3002<\/p>\n<h2>\u4e8c\u3001\u7b2c\u4e8c\u9053\u7ea2\u7ebf\uff1a\u62a5\u7a0e\u8868\u4e0e\u5ba1\u8ba1\u62a5\u544a<\/h2>\n<p>\u9999\u6e2f\u7a0e\u52a1\u5c40\u53d1\u51fa\u7684\u62a5\u7a0e\u8868\uff0c\u4e00\u822c\u5728\u53d1\u51fa\u540e 1 \u4e2a\u6708\u5185\u8981\u4ea4\u56de\uff1b\u65b0\u6210\u7acb\u516c\u53f8\u9996\u4efd\u62a5\u7a0e\u8868\u901a\u5e38\u53ef\u5728\u53d1\u51fa\u540e 3 \u4e2a\u6708\u5185\u63d0\u4ea4\uff0c\u5177\u4f53\u4ee5\u7a0e\u8868\u6ce8\u660e\u671f\u9650\u4e3a\u51c6\u3002<\/p>\n<p>\u5173\u952e\u70b9\u5728\u4e8e\uff1a\u9999\u6e2f\u516c\u53f8\u62a5\u7a0e\u5fc5\u987b\u968f\u9644\u7531\u9999\u6e2f\u6267\u4e1a\u4f1a\u8ba1\u5e08\u51fa\u5177\u7684\u5ba1\u8ba1\u62a5\u544a\u3002\u6ca1\u6709\u5ba1\u8ba1\u62a5\u544a\uff0c\u62a5\u7a0e\u8868\u7b49\u4e8e\u6ca1\u4ea4\u3002\u800c\u672a\u6309\u671f\u63d0\u4ea4\u62a5\u7a0e\u8868\uff0c\u53ef\u88ab\u7f5a\u6b3e 10,000 \u6e2f\u5143\uff0c\u5e76\u53ef\u80fd\u88ab\u52a0\u5f81\u76f8\u5f53\u4e8e\u5c11\u7f34\u7a0e\u6b3e\u4e09\u500d\u7684\u7f5a\u6b3e\u3002<\/p>\n<p>\u5f88\u591a\u8001\u677f\u88ab&#8221;\u96f6\u7533\u62a5&#8221;\u4e09\u4e2a\u5b57\u5e26\u504f\u3002\u96f6\u7533\u62a5\u53ea\u9002\u7528\u4e8e\u4ece\u672a\u5f00\u4e1a\u3001\u4ece\u672a\u4ea7\u751f\u94f6\u884c\u6d41\u6c34\u3001\u4ece\u672a\u6301\u6709\u8d44\u4ea7\u7684\u6781\u7a84\u60c5\u5f62\u3002\u53ea\u8981\u6709\u5e73\u53f0\u56de\u6b3e\u3001\u6709\u4ed8\u6b3e\u8bb0\u5f55\uff0c\u62a5\u96f6\u5c31\u662f\u5178\u578b\u7684\u7533\u62a5\u4e0d\u5b9e\uff0c\u4e00\u65e6\u88ab\u62bd\u67e5\uff0c\u8865\u7a0e\u3001\u7f5a\u6b3e\u3001\u5229\u606f\u4e00\u8d77\u6765\u3002<\/p>\n<h2>\u4e09\u3001\u7b2c\u4e09\u9053\u7ea2\u7ebf\uff1aSCR \u4e0e\u6307\u5b9a\u4ee3\u8868<\/h2>\n<p>\u9999\u6e2f\u516c\u53f8\u5fc5\u987b\u5907\u5b58&#8221;\u91cd\u8981\u63a7\u5236\u4eba\u767b\u8bb0\u518c&#8221;\uff08SCR\uff09\uff0c\u4f9b\u6267\u6cd5\u4eba\u5458\u67e5\u9605\uff1b\u540c\u65f6\u8981\u6307\u5b9a\u4e00\u540d\u6307\u5b9a\u4ee3\u8868\uff0c\u901a\u5e38\u662f\u516c\u53f8\u79d8\u4e66\u6216\u9999\u6e2f\u5c45\u6c11\u8463\u4e8b\u3002SCR \u4e0d\u662f\u7ed9\u6ce8\u518c\u5904\u5b58\u6863\u5c31\u5b8c\u4e8b\uff0c\u800c\u662f\u8981\u653e\u5728\u6307\u5b9a\u5730\u70b9\u3001\u968f\u65f6\u53ef\u67e5\u3002<\/p>\n<p>\u8fd9\u9879\u8981\u6c42\u7684\u7f5a\u6b3e\u4e0a\u9650\u53ef\u8fbe\u6570\u4e07\u6e2f\u5143\uff0c\u4e14\u5c5e\u4e8e&#8221;\u5f62\u5f0f\u5408\u89c4&#8221;\uff0c\u53ea\u8981\u6ca1\u505a\u5c31\u662f\u6ca1\u505a\uff0c\u6ca1\u6709\u89e3\u91ca\u7a7a\u95f4\u3002\u5e74\u5ba1\u65f6\u987a\u624b\u6838\u5bf9\u4e00\u904d\uff0c\u6210\u672c\u51e0\u4e4e\u4e3a\u96f6\uff0c\u6f0f\u6389\u5219\u5b8c\u5168\u4e0d\u540c\u3002<\/p>\n<h2>\u56db\u3001\u7b2c\u56db\u9053\u7ea2\u7ebf\uff1a\u6ce8\u518c\u5730\u5740\u4e0e\u516c\u53f8\u79d8\u4e66<\/h2>\n<p>\u9999\u6e2f\u516c\u53f8\u5fc5\u987b\u6709\u9999\u6e2f\u672c\u5730\u6ce8\u518c\u5730\u5740\u548c\u4e00\u540d\u516c\u53f8\u79d8\u4e66\uff08\u81ea\u7136\u4eba\u987b\u901a\u5e38\u5c45\u4e8e\u9999\u6e2f\uff0c\u6216\u6301\u724c\u79d8\u4e66\u516c\u53f8\uff09\u3002\u5730\u5740\u5931\u6548\u7684\u540e\u679c\u5f88\u76f4\u63a5\uff1a\u653f\u5e9c\u51fd\u4ef6\u5bc4\u4e0d\u5230\uff0c\u4f60\u4e0d\u77e5\u9053\u7a0e\u8868\u6765\u4e86\u3001\u4e0d\u77e5\u9053\u5e74\u62a5\u5230\u671f\uff0c\u7b49\u5230\u53d1\u73b0\u65f6\u5df2\u7ecf\u5728\u7f5a\u6b3e\u9636\u68af\u7684\u9876\u7aef\u3002<\/p>\n<p>\u8fd9\u4e5f\u662f\u4f4e\u4ef7\u6ce8\u518c\u6700\u5e38\u89c1\u7684\u5751\u2014\u2014\u9996\u5e74\u6253\u5305\u4ef7\u91cc\u542b\u5730\u5740\uff0c\u7b2c\u4e8c\u5e74\u7eed\u8d39\u65f6\u5730\u5740\u6362\u6210\u4e86\u4fe1\u7bb1\u516c\u53f8\uff0c\u51fd\u4ef6\u65e0\u4eba\u7b7e\u6536\u3002<\/p>\n<h2>\u4e94\u3001\u7b2c\u4e94\u9053\u7ea2\u7ebf\uff1a\u94f6\u884c\u8d26\u6237\u7684&#8221;\u9759\u9ed8\u6b7b\u4ea1&#8221;<\/h2>\n<p>\u8d26\u6237\u957f\u671f\u65e0\u4ea4\u6613\u3001\u6216\u4ea4\u6613\u4e0e\u7533\u62a5\u4e1a\u52a1\u660e\u663e\u4e0d\u7b26\uff0c\u94f6\u884c\u4f1a\u542f\u52a8\u5c3d\u8c03\uff0c\u8f7b\u5219\u9650\u5236\u529f\u80fd\uff0c\u91cd\u5219\u5173\u6237\u3002\u5173\u6237\u4e4b\u540e\uff0c\u540c\u4e00\u8463\u4e8b\u5728\u5176\u4ed6\u94f6\u884c\u5f00\u6237\u7684\u96be\u5ea6\u4f1a\u663e\u8457\u4e0a\u5347\u3002<\/p>\n<p>\u5408\u89c4\u7684\u505a\u6cd5\u662f\u8ba9\u8d26\u6237&#8221;\u4f1a\u8bf4\u8bdd&#8221;\uff1a\u4ea4\u6613\u5bf9\u624b\u4e0e\u5408\u540c\u4e00\u81f4\u3001\u91d1\u989d\u4e0e\u4e1a\u52a1\u89c4\u6a21\u5339\u914d\u3001\u5e74\u5ea6\u5ba1\u8ba1\u62a5\u544a\u80fd\u89e3\u91ca\u8d44\u91d1\u6d41\u5411\u3002\u8fd9\u4e0d\u662f\u4e3a\u4e86\u5e94\u4ed8\u94f6\u884c\uff0c\u800c\u662f\u4e07\u4e00\u7a0e\u5c40\u6765\u95ee\uff0c\u4f60\u62ff\u5f97\u51fa\u4e00\u5957\u81ea\u6d3d\u7684\u6750\u6599\u3002<\/p>\n<h2>\u516d\u3001\u4e00\u5f20\u81ea\u67e5\u8868\uff0c\u5e74\u5e95\u5bf9\u4e00\u904d<\/h2>\n<ol>\n<li>\u5468\u5e74\u65e5\u662f\u5426\u5728 42 \u5929\u5185\u63d0\u4ea4\u4e86 NAR1\uff1f\u5546\u4e1a\u767b\u8bb0\u8bc1\u662f\u5426\u5df2\u7eed\uff1f<\/li>\n<li>\u672c\u5e74\u5ea6\u662f\u5426\u6709\u94f6\u884c\u6d41\u6c34\uff1f\u6709\u6d41\u6c34\u662f\u5426\u505a\u4e86\u5ba1\u8ba1\u3001\u6309\u5b9e\u9645\u7533\u62a5\uff1f<\/li>\n<li>\u5ba1\u8ba1\u62a5\u544a\u662f\u5426\u7531\u9999\u6e2f\u6267\u4e1a\u4f1a\u8ba1\u5e08\u51fa\u5177\u3001\u662f\u5426\u5df2\u968f\u62a5\u7a0e\u8868\u63d0\u4ea4\uff1f<\/li>\n<li>SCR 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