{"id":44,"date":"2025-07-16T22:15:59","date_gmt":"2025-07-16T22:15:59","guid":{"rendered":"https:\/\/techsmoney.com\/?p=44"},"modified":"2025-07-16T22:15:59","modified_gmt":"2025-07-16T22:15:59","slug":"how-to-build-credit-as-a-beginner","status":"publish","type":"post","link":"https:\/\/techsmoney.com\/zh\/how-to-build-credit-as-a-beginner\/","title":{"rendered":"\u65b0\u624b\u5982\u4f55\u5efa\u7acb\u4fe1\u7528"},"content":{"rendered":"

\u5efa\u7acb\u826f\u597d\u7684\u4fe1\u7528\u5c0d\u65bc\u5be6\u73fe\u8ca1\u52d9\u76ee\u6a19\u81f3\u95dc\u91cd\u8981\uff0c\u7121\u8ad6\u662f\u8cb7\u623f\u3001\u7533\u8acb\u8eca\u8cb8\uff0c\u9084\u662f\u627e\u5230\u5de5\u4f5c\u3002\u5c0d\u65bc\u65b0\u624b\u4f86\u8aaa\uff0c\u5efa\u7acb\u4fe1\u7528\u7684\u904e\u7a0b\u53ef\u80fd\u770b\u8d77\u4f86\u4ee4\u4eba\u671b\u800c\u751f\u754f\uff0c\u4f46\u5176\u5be6\u4e26\u975e\u5982\u6b64\u3002\u5728\u672c\u6587\u4e2d\uff0c\u6211\u5011\u5c07\u5f15\u5c0e\u60a8\u9010\u6b65\u5efa\u7acb\u4e26\u7dad\u6301\u826f\u597d\u7684\u4fe1\u7528\u8a55\u5206\uff0c\u5373\u4f7f\u60a8\u525b\u8d77\u6b65\u3002<\/p>\n\n\n\n

1. \u4e86\u89e3\u4fe1\u7528\u662f\u4ec0\u9ebc<\/h2>\n\n\n\n

\u5728\u958b\u59cb\u5efa\u7acb\u4fe1\u7528\u4e4b\u524d\uff0c\u8acb\u52d9\u5fc5\u4e86\u89e3\u4ec0\u9ebc\u662f\u4fe1\u7528\u4ee5\u53ca\u5b83\u7684\u91cd\u8981\u6027\u3002\u4fe1\u7528\u662f\u6307\u60a8\u501f\u6b3e\u4e26\u6309\u6642\u511f\u9084\u7684\u80fd\u529b\u3002\u4fe1\u7528\u8a55\u5206\u662f\u8861\u91cf\u60a8\u4fe1\u7528\u72c0\u6cc1\u7684\u6578\u503c\uff0c\u4e5f\u5c31\u662f\u60a8\u511f\u9084\u501f\u6b3e\u7684\u53ef\u80fd\u6027\u3002<\/p>\n\n\n\n

\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u901a\u5e38\u5728300\u5230850\u4e4b\u9593\uff0c\u5206\u6578\u8d8a\u9ad8\uff0c\u4fe1\u7528\u8d8a\u597d\u3002\u826f\u597d\u7684\u4fe1\u7528\u8a55\u5206\u5c0d\u65bc\u7372\u5f97\u8cb8\u6b3e\u3001\u7372\u5f97\u512a\u60e0\u5229\u7387\uff0c\u751a\u81f3\u7372\u5f97\u67d0\u4e9b\u5de5\u4f5c\u90fd\u81f3\u95dc\u91cd\u8981\u3002<\/p>\n\n\n\n

2. \u5f9e\u64d4\u4fdd\u4fe1\u7528\u5361\u958b\u59cb<\/h2>\n\n\n\n

\u5c0d\u65bc\u65b0\u624b\u4f86\u8aaa\uff0c\u5efa\u7acb\u4fe1\u7528\u6700\u7c21\u55ae\u7684\u65b9\u6cd5\u4e4b\u4e00\u5c31\u662f\u7533\u8acb\u64d4\u4fdd\u4fe1\u7528\u5361\u3002\u64d4\u4fdd\u4fe1\u7528\u5361\u8981\u6c42\u60a8\u5728\u5132\u84c4\u5e33\u6236\u4e2d\u5b58\u5165\u4e00\u5b9a\u91d1\u984d\uff0c\u9019\u7b46\u9322\u5c07\u4f5c\u70ba\u60a8\u7684\u4fe1\u7528\u984d\u5ea6\u3002\u4f8b\u5982\uff0c\u5982\u679c\u60a8\u5b58\u5165 $500\uff0c\u60a8\u7684\u4fe1\u7528\u984d\u5ea6\u5c31\u662f $500\u3002<\/p>\n\n\n\n

\u900f\u904e\u8ca0\u8cac\u4efb\u5730\u4f7f\u7528\u64d4\u4fdd\u5361\uff08\u9032\u884c\u5c0f\u984d\u6d88\u8cbb\u4e26\u6309\u6642\u9084\u6e05\u9918\u984d\uff09\uff0c\u60a8\u53ef\u4ee5\u8b49\u660e\u81ea\u5df1\u662f\u53ef\u9760\u7684\u501f\u6b3e\u4eba\uff0c\u4e26\u958b\u59cb\u5efa\u7acb\u81ea\u5df1\u7684\u4fe1\u7528\u8a18\u9304\u3002\u9023\u7e8c\u4f7f\u7528\u5e7e\u500b\u6708\u5f8c\uff0c\u8a31\u591a\u4fe1\u7528\u5361\u767c\u5361\u6a5f\u69cb\u6703\u5141\u8a31\u60a8\u8f49\u63db\u70ba\u7121\u64d4\u4fdd\u5361\u3002<\/p>\n\n\n\n

3.\u6210\u70ba\u4ed6\u4eba\u4fe1\u7528\u5361\u7684\u6388\u6b0a\u7528\u6236<\/h2>\n\n\n\n

\u5efa\u7acb\u4fe1\u7528\u7684\u53e6\u4e00\u500b\u7b56\u7565\u662f\u6210\u70ba\u4ed6\u4eba\u4fe1\u7528\u5361\u7684\u6388\u6b0a\u4f7f\u7528\u8005\u3002\u5c0d\u65bc\u90a3\u4e9b\u53ef\u80fd\u6c92\u6709\u8cc7\u683c\u81ea\u884c\u7533\u8acb\u4fe1\u7528\u5361\u7684\u4eba\u4f86\u8aaa\uff0c\u9019\u662f\u4e00\u500b\u4e0d\u932f\u7684\u9078\u64c7\u3002\u4f5c\u70ba\u6388\u6b0a\u7528\u6236\uff0c\u60a8\u53ef\u4ee5\u4f7f\u7528\u4e3b\u5361\u6301\u5361\u4eba\u7684\u4fe1\u7528\u5361\uff0c\u4f46\u7121\u9700\u8ca0\u8cac\u9084\u6b3e\u3002<\/p>\n\n\n\n

\u597d\u6d88\u606f\u662f\uff0c\u5e33\u6236\u7684\u9084\u6b3e\u8a18\u9304\u548c\u4fe1\u7528\u984d\u5ea6\u4f7f\u7528\u60c5\u6cc1\u5c07\u4ee5\u60a8\u7684\u540d\u7fa9\u5831\u544a\u7d66\u4fe1\u7528\u6a5f\u69cb\uff0c\u5e6b\u52a9\u60a8\u5efa\u7acb\u4fe1\u7528\u3002\u4f46\u662f\uff0c\u8acb\u78ba\u4fdd\u4e3b\u5361\u6301\u5361\u4eba\u64c1\u6709\u826f\u597d\u7684\u9084\u6b3e\u8a18\u9304\uff0c\u56e0\u70ba\u4ed6\u5011\u7684\u884c\u70ba\u6703\u5f71\u97ff\u60a8\u7684\u4fe1\u7528\u3002<\/p>\n\n\n\n

4.\u6309\u6642\u652f\u4ed8\u5e33\u55ae<\/h2>\n\n\n\n

\u6c7a\u5b9a\u60a8\u4fe1\u7528\u8a55\u5206\u7684\u6700\u91cd\u8981\u56e0\u7d20\u4e4b\u4e00\u662f\u60a8\u7684\u9084\u6b3e\u8a18\u9304\u3002\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u5f88\u5927\u7a0b\u5ea6\u53d6\u6c7a\u65bc\u60a8\u662f\u5426\u6309\u6642\u652f\u4ed8\u5e33\u55ae\u3002\u932f\u904e\u4ed8\u6b3e\u6216\u903e\u671f\u4ed8\u6b3e\u6703\u5c0d\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u7522\u751f\u91cd\u5927\u8ca0\u9762\u5f71\u97ff\uff0c\u56e0\u6b64\uff0c\u5bc6\u5207\u6ce8\u610f\u60a8\u7684\u5e33\u55ae\u81f3\u95dc\u91cd\u8981\u3002<\/p>\n\n\n\n

\u8a2d\u5b9a\u63d0\u9192\u6216\u4f7f\u7528\u81ea\u52d5\u4ed8\u6b3e\uff0c\u78ba\u4fdd\u60a8\u4e0d\u6703\u932f\u904e\u4efb\u4f55\u4ed8\u6b3e\u3002\u5373\u4f7f\u4e00\u6b21\u903e\u671f\u4ed8\u6b3e\u4e5f\u53ef\u80fd\u6703\u964d\u4f4e\u60a8\u7684\u4fe1\u7528\u8a55\u5206\uff0c\u56e0\u6b64\u5805\u6301\u4ed8\u6b3e\u81f3\u95dc\u91cd\u8981\u3002<\/p>\n\n\n\n

5. \u4fdd\u6301\u8f03\u4f4e\u7684\u4fe1\u7528\u5229\u7528\u7387<\/h2>\n\n\n\n

\u4fe1\u7528\u5229\u7528\u7387\u662f\u6307\u60a8\u6240\u4f7f\u7528\u7684\u4fe1\u7528\u984d\u5ea6\u8207\u7e3d\u53ef\u7528\u4fe1\u7528\u984d\u5ea6\u7684\u6bd4\u7387\u3002\u9ad8\u4fe1\u7528\u5229\u7528\u7387\u6703\u5c0d\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u7522\u751f\u8ca0\u9762\u5f71\u97ff\uff0c\u5373\u4f7f\u60a8\u6309\u6642\u652f\u4ed8\u5e33\u55ae\u3002\u7406\u60f3\u60c5\u6cc1\u4e0b\uff0c\u60a8\u7684\u4fe1\u7528\u5229\u7528\u7387\u61c9\u4fdd\u6301\u5728 30% \u4ee5\u4e0b\uff0c\u9019\u8868\u793a\u60a8\u4f7f\u7528\u7684\u53ef\u7528\u4fe1\u7528\u984d\u5ea6\u4e0d\u5f97\u8d85\u904e 30%\u3002<\/p>\n\n\n\n

\u4f8b\u5982\uff0c\u5982\u679c\u60a8\u7684\u4fe1\u7528\u984d\u5ea6\u70ba $1,000\uff0c\u8acb\u76e1\u91cf\u5c07\u9918\u984d\u7dad\u6301\u5728 $300 \u4ee5\u4e0b\u3002\u5982\u679c\u60a8\u9700\u8981\u7d50\u8f49\u9918\u984d\uff0c\u8acb\u76e1\u5feb\u9084\u6e05\uff0c\u4ee5\u4fdd\u6301\u5065\u5eb7\u7684\u4fe1\u7528\u5229\u7528\u7387\u3002<\/p>\n\n\n\n

6.\u5b9a\u671f\u76e3\u63a7\u4f60\u7684\u4fe1\u7528<\/h2>\n\n\n\n

\u5728\u52aa\u529b\u5efa\u7acb\u4fe1\u7528\u7684\u904e\u7a0b\u4e2d\uff0c\u5b9a\u671f\u76e3\u6e2c\u60a8\u7684\u4fe1\u7528\u5831\u544a\u81f3\u95dc\u91cd\u8981\u3002\u60a8\u6bcf\u5e74\u6709\u6b0a\u5f9e\u4e09\u5927\u4fe1\u7528\u6a5f\u69cb\uff08Equifax\u3001Experian \u548c TransUnion\uff09\u5404\u7372\u5f97\u4e00\u4efd\u514d\u8cbb\u7684\u4fe1\u7528\u5831\u544a\u3002\u60a8\u53ef\u4ee5\u5728 AnnualCreditReport.com \u4e0a\u7533\u8acb\u514d\u8cbb\u5831\u544a\u3002<\/p>\n\n\n\n

\u6aa2\u67e5\u60a8\u7684\u4fe1\u7528\u5831\u544a\u662f\u5426\u6709\u4efb\u4f55\u4e0d\u6e96\u78ba\u6216\u932f\u8aa4\uff0c\u4f8b\u5982\u5e33\u6236\u8cc7\u8a0a\u932f\u8aa4\u6216\u8a50\u6b3a\u884c\u70ba\u3002\u5982\u6709\u4efb\u4f55\u4e0d\u7b26\u4e4b\u8655\uff0c\u8acb\u5411\u4fe1\u7528\u6a5f\u69cb\u63d0\u51fa\u7570\u8b70\uff0c\u4ee5\u78ba\u4fdd\u60a8\u7684\u4fe1\u7528\u5831\u544a\u6e96\u78ba\u7121\u8aa4\u3002<\/p>\n\n\n\n

\u9664\u4e86\u67e5\u770b\u4fe1\u7528\u5831\u544a\u5916\uff0c\u60a8\u9084\u53ef\u4ee5\u900f\u904e Credit Karma \u6216 Credit Sesame \u7b49\u514d\u8cbb\u670d\u52d9\u76e3\u63a7\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u3002\u9019\u4e9b\u5e73\u53f0\u6703\u5b9a\u671f\u66f4\u65b0\u60a8\u7684\u4fe1\u7528\u8a55\u5206\uff0c\u4e26\u70ba\u60a8\u63d0\u4f9b\u6df1\u5165\u7684\u5206\u6790\uff0c\u5e6b\u52a9\u60a8\u8ffd\u8e64\u4fe1\u7528\u5efa\u8a2d\u7684\u9032\u5ea6\u3002<\/p>\n\n\n\n

7. \u907f\u514d\u4e00\u6b21\u958b\u8a2d\u592a\u591a\u5e33\u6236<\/h2>\n\n\n\n

\u96d6\u7136\u5efa\u7acb\u4fe1\u7528\u8a18\u9304\u5f88\u91cd\u8981\uff0c\u4f46\u77ed\u671f\u5167\u958b\u8a2d\u904e\u591a\u65b0\u7684\u4fe1\u7528\u5e33\u6236\u53ef\u80fd\u6703\u5c0d\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u7522\u751f\u8ca0\u9762\u5f71\u97ff\u3002\u6bcf\u6b21\u60a8\u7533\u8acb\u4fe1\u7528\u8cb8\u6b3e\u6642\uff0c\u60a8\u7684\u4fe1\u7528\u5831\u544a\u90fd\u6703\u9032\u884c\u56b4\u683c\u7684\u5be9\u6838\uff0c\u9019\u53ef\u80fd\u6703\u5c0e\u81f4\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u66ab\u6642\u5c0f\u5e45\u4e0b\u964d\u3002<\/p>\n\n\n\n

\u9650\u5236\u60a8\u7684\u4fe1\u7528\u7533\u8acb\uff0c\u50c5\u5728\u5fc5\u8981\u6642\u7533\u8acb\u65b0\u5e33\u6236\u3002\u96a8\u8457\u6642\u9593\u7684\u63a8\u79fb\uff0c\u67e5\u8a62\u5c0d\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u7684\u5f71\u97ff\u6703\u8d8a\u4f86\u8d8a\u5c0f\uff0c\u60a8\u7684\u6574\u9ad4\u4fe1\u7528\u8a18\u9304\u4e5f\u6703\u6539\u5584\u3002<\/p>\n\n\n\n

8. \u591a\u6a23\u5316\u4f60\u7684\u4fe1\u7528\u985e\u578b<\/h2>\n\n\n\n

\u64c1\u6709\u591a\u7a2e\u4fe1\u7528\u985e\u578b\u53ef\u4ee5\u9010\u6f38\u63d0\u9ad8\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u3002\u4f8b\u5982\uff0c\u5982\u679c\u60a8\u6709\u4fe1\u7528\u5361\uff0c\u5728\u4fe1\u7528\u6a94\u6848\u4e2d\u65b0\u589e\u5206\u671f\u8cb8\u6b3e\uff08\u4f8b\u5982\u6c7d\u8eca\u8cb8\u6b3e\u6216\u500b\u4eba\u8cb8\u6b3e\uff09\u53ef\u4ee5\u5411\u8cb8\u65b9\u8b49\u660e\u60a8\u80fd\u5920\u8ca0\u8cac\u4efb\u5730\u7ba1\u7406\u4e0d\u540c\u985e\u578b\u7684\u4fe1\u7528\u3002<\/p>\n\n\n\n

\u4f46\u662f\uff0c\u53ea\u958b\u8a2d\u60a8\u9700\u8981\u4e14\u80fd\u5920\u59a5\u5584\u7ba1\u7406\u7684\u5e33\u6236\u3002\u4e0d\u8981\u50c5\u50c5\u70ba\u4e86\u8c50\u5bcc\u60a8\u7684\u500b\u4eba\u8cc7\u6599\u800c\u7533\u8acb\u4fe1\u7528\u8cb8\u6b3e\uff0c\u56e0\u70ba\u9019\u6a23\u505a\u6703\u5c0e\u81f4\u60a8\u932f\u904e\u9084\u6b3e\u6216\u51fa\u73fe\u9ad8\u984d\u9918\u984d\uff0c\u5f9e\u800c\u640d\u5bb3\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u3002<\/p>\n\n\n\n

9. \u8981\u6709\u8010\u5fc3<\/h2>\n\n\n\n

\u5efa\u7acb\u826f\u597d\u7684\u4fe1\u7528\u9700\u8981\u6642\u9593\uff0c\u5c24\u5176\u662f\u5728\u60a8\u5f9e\u96f6\u958b\u59cb\u7684\u60c5\u6cc1\u4e0b\u3002\u4e0d\u8981\u671f\u671b\u7acb\u7aff\u898b\u5f71\uff0c\u8981\u8010\u5fc3\u7b49\u5f85\u3002\u53ef\u80fd\u9700\u8981\u5e7e\u500b\u6708\u751a\u81f3\u5e7e\u5e74\u7684\u7406\u6027\u7528\u4fe1\u624d\u80fd\u986f\u8457\u63d0\u5347\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u3002<\/p>\n\n\n\n

\u95dc\u9375\u5728\u65bc\u5805\u6301\u3002\u5805\u6301\u6309\u6642\u652f\u4ed8\u5e33\u55ae\uff0c\u4fdd\u6301\u8f03\u4f4e\u7684\u4fe1\u7528\u984d\u5ea6\uff0c\u4e26\u907f\u514d\u4e0d\u5fc5\u8981\u7684\u4fe1\u7528\u67e5\u8a62\u3002\u96a8\u8457\u6642\u9593\u7684\u63a8\u79fb\uff0c\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u6703\u9010\u6f38\u63d0\u9ad8\u3002<\/p>\n\n\n\n

10. \u8a18\u9304\u4f60\u7684\u9032\u6b65<\/h2>\n\n\n\n

\u5728\u5efa\u7acb\u4fe1\u7528\u8a18\u9304\u7684\u904e\u7a0b\u4e2d\uff0c\u8ffd\u8e64\u9032\u5ea6\u81f3\u95dc\u91cd\u8981\u3002\u8a31\u591a\u4fe1\u7528\u5361\u516c\u53f8\u548c\u91d1\u878d\u6a5f\u69cb\u90fd\u63d0\u4f9b\u514d\u8cbb\u7684\u4fe1\u7528\u8a55\u5206\uff0c\u76e3\u63a7\u4fe1\u7528\u8a55\u5206\u53ef\u4ee5\u5e6b\u52a9\u60a8\u4fdd\u6301\u52d5\u529b\u3002\u96a8\u8457\u4fe1\u7528\u8a55\u5206\u7684\u63d0\u9ad8\uff0c\u60a8\u5c07\u80fd\u5920\u7372\u5f97\u66f4\u512a\u60e0\u7684\u4fe1\u7528\u5361\u512a\u60e0\u3001\u66f4\u4f4e\u7684\u5229\u7387\u4ee5\u53ca\u66f4\u591a\u7684\u8ca1\u52d9\u6a5f\u6703\u3002<\/p>\n\n\n\n

\u6176\u795d\u60a8\u4e00\u8def\u8d70\u4f86\u7684\u91cc\u7a0b\u7891\uff0c\u7121\u8ad6\u662f\u4fe1\u7528\u8a55\u5206\u8d85\u904e 600 \u5206\uff0c\u9084\u662f\u7372\u5f97\u9996\u5f35\u7121\u62b5\u62bc\u4fe1\u7528\u5361\u7684\u8cc7\u683c\u3002\u5c0f\u5c0f\u7684\u6210\u529f\u80fd\u6fc0\u52f5\u60a8\uff0c\u52a9\u60a8\u7a69\u5b9a\u9054\u6210\u8ca1\u52d9\u76ee\u6a19\u3002<\/p>\n\n\n\n

\u7d50\u8ad6\uff1a\u638c\u63a7\u60a8\u7684\u4fe1\u7528\u4e4b\u65c5<\/h2>\n\n\n\n

\u5c0d\u65bc\u65b0\u624b\u4f86\u8aaa\uff0c\u5efa\u7acb\u4fe1\u7528\u8a18\u9304\u53ef\u80fd\u770b\u8d77\u4f86\u4ee4\u4eba\u751f\u754f\uff0c\u4f46\u53ea\u8981\u65b9\u6cd5\u5f97\u7576\uff0c\u5b8c\u5168\u53ef\u4ee5\u5be6\u73fe\u3002\u4e0d\u59a8\u5f9e\u7533\u8acb\u64d4\u4fdd\u4fe1\u7528\u5361\u6216\u6210\u70ba\u6388\u6b0a\u4f7f\u7528\u8005\u958b\u59cb\uff0c\u78ba\u4fdd\u6309\u6642\u652f\u4ed8\u5e33\u55ae\uff0c\u4e26\u7dad\u6301\u8f03\u4f4e\u7684\u4fe1\u7528\u984d\u5ea6\u4f7f\u7528\u7387\u3002\u4fdd\u6301\u8010\u5fc3\uff0c\u4e26\u5b9a\u671f\u76e3\u63a7\u9032\u5ea6\uff0c\u78ba\u4fdd\u4e00\u5207\u9806\u5229\u3002<\/p>\n\n\n\n

\u8acb\u8a18\u4f4f\uff0c\u5efa\u7acb\u826f\u597d\u7684\u4fe1\u7528\u662f\u4e00\u500b\u9577\u671f\u7684\u904e\u7a0b\uff0c\u4f46\u5176\u56de\u5831\u2014\u2014\u4f8b\u5982\u66f4\u4f4e\u7684\u5229\u7387\u3001\u66f4\u597d\u7684\u8cb8\u6b3e\u512a\u60e0\u548c\u66f4\u5927\u7684\u8ca1\u52d9\u9748\u6d3b\u6027\u2014\u2014\u662f\u503c\u5f97\u7684\u3002<\/p>\n\n\n\n

<\/p>","protected":false},"excerpt":{"rendered":"

\u5efa\u7acb\u826f\u597d\u7684\u4fe1\u7528\u5c0d\u65bc\u5be6\u73fe\u8ca1\u52d9\u76ee\u6a19\u81f3\u95dc\u91cd\u8981\uff0c\u7121\u8ad6\u662f\u8cfc\u5c4b\u3001\u7533\u8acb\u8eca\u8cb8\uff0c\u6216\u662f\u627e\u5230\u5de5\u4f5c\u3002\u5c0d\u65bc\u65b0\u624b\u4f86\u8aaa\uff0c\u5efa\u7acb\u4fe1\u7528\u7684\u904e\u7a0b\u53ef\u80fd\u770b\u8d77\u4f86\u4ee4\u4eba\u671b\u800c\u751f\u754f\uff0c\u4f46\u5176\u5be6\u4e26\u975e\u5982\u6b64\u3002\u5728\u672c\u6587\u4e2d\uff0c\u6211\u5011\u5c07\u5f15\u5c0e\u60a8\u5b8c\u6210\u5efa\u7acb\u548c\u7dad\u6301\u826f\u597d\u4fe1\u7528\u7684\u6b65\u9a5f\u2026 \u95b1\u8b80\u66f4\u591a<\/a><\/p>","protected":false},"author":2,"featured_media":61,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,13],"tags":[16,10,15],"class_list":["post-44","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-for-beginners","category-golden-tips","tag-for-beginners","tag-golden-tips","tag-tips"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/posts\/44","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/comments?post=44"}],"version-history":[{"count":1,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/posts\/44\/revisions"}],"predecessor-version":[{"id":71,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/posts\/44\/revisions\/71"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/media\/61"}],"wp:attachment":[{"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/media?parent=44"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/categories?post=44"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/tags?post=44"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}