{"id":18508,"date":"2019-06-24T08:27:45","date_gmt":"2019-06-24T12:27:45","guid":{"rendered":"https:\/\/www.wes.org\/?post_type=advisor_blog&#038;p=18508"},"modified":"2024-05-14T15:44:20","modified_gmt":"2024-05-14T19:44:20","slug":"canadian-banking-and-building-credit","status":"publish","type":"post","link":"https:\/\/www.wes.org\/zh-hans\/resource-library\/blog\/advisor-blog-zh-hans\/canadian-banking-and-building-credit\/","title":{"rendered":"\u52a0\u62ff\u5927\u94f6\u884c\u4e1a\u52a1\uff1a\u65b0\u79fb\u6c11\u5982\u4f55\u5efa\u7acb\u4fe1\u7528\u8bb0\u5f55"},"content":{"rendered":"<p>\u79fb\u6c11\u6765\u5230\u4e00\u4e2a\u65b0\u7684\u56fd\u5bb6\uff0c\u4ee3\u8868\u7740\u5728\u4e00\u4e2a\u65b0\u7684\u73af\u5883\u4e2d\u521b\u9020\u65b0\u7684\u751f\u6d3b\u3001\u5bb6\u56ed\u3001\u804c\u4e1a\u548c\u4eba\u9645\u7f51\u7edc\u7684\u72ec\u7279\u673a\u4f1a\u3002\u901a\u8fc7\u4e86\u89e3\u52a0\u62ff\u5927\u7684\u91d1\u878d\u4f53\u7cfb\uff0c\u65b0\u79fb\u6c11\u4eec\u53ef\u4ee5\u6253\u4e0b\u4e00\u4e2a\u575a\u5b9e\u7684\u7ecf\u6d4e\u57fa\u7840\uff0c\u8fd9\u5728\u6700\u521d\u51e0\u5e74\u5185\u53ef\u4ee5\u5e2e\u60a8\u63d0\u9ad8\u4e0d\u5c11\u751f\u6d3b\u8d28\u91cf\u3002\u867d\u7136\u5927\u90e8\u5206\u65b0\u79fb\u6c11\u77e5\u9053\u52a0\u62ff\u5927\u7684\u94f6\u884c\u4e1a\u7cfb\u7edf\u4e0e\u5176\u7956\u56fd\u7684\u7cfb\u7edf\u6709\u6240\u4e0d\u540c\uff0c\u4f46\u4ed6\u4eec\u901a\u5e38\u4e0d\u77e5\u9053\u8fd9\u4e9b\u5dee\u5f02\u5c06\u5bfc\u81f4\u4e9b\u4ec0\u4e48\u3002<\/p>\n<p>\u7ee7\u7eed\u9605\u8bfb\u5173\u4e8e\u5982\u4f55\u5728\u52a0\u62ff\u5927\u529e\u7406\u94f6\u884c\u4e1a\u52a1\u548c\u5efa\u7acb\u4fe1\u7528\u8bb0\u5f55\u7684\u5efa\u8bae\uff1a<\/p>\n<h4>\u5f00\u8bbe\u4e00\u4e2a\u94f6\u884c\u8d26\u6237\uff0c\u5373\u4fbf\u60a8\u6682\u65f6\u8fd8\u6ca1\u6709\u5de5\u4f5c<\/h4>\n<p>\u8bb8\u591a\u65b0\u79fb\u6c11\u53ef\u80fd\u4f1a\u5f88\u60ca\u8bb6\u5730\u53d1\u73b0\uff0c\u5373\u4fbf\u4ed6\u4eec<a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/banking\/opening-bank-account.html\" target=\"_blank\" rel=\"noopener noreferrer\">\u8fd8\u6ca1\u6709\u5de5\u4f5c<\/a>\uff0c\u4ed6\u4eec\u4e5f\u53ef\u4ee5\u5f00\u8bbe\u94f6\u884c\u8d26\u6237\u3002\u5728\u4ed6\u4eec\u7684\u7956\u56fd\uff0c\u5728\u627e\u5230\u5de5\u4f5c\u5e76\u62e5\u6709\u7a33\u5b9a\u7684\u6536\u5165\u4e4b\u524d\uff0c\u4ed6\u4eec\u53ef\u80fd\u8fd8\u4e0d\u80fd\u8fd9\u4e48\u505a\u3002\u4f46\u662f\uff0c\u5728\u52a0\u62ff\u5927\uff0c\u5f00\u8bbe\u4e00\u4e2a\u94f6\u884c\u8d26\u6237\u662f\u521d\u5230\u8005\u6700\u5e94\u8be5\u505a\u4e8b\u60c5\u4e4b\u2014\u2014\u5373\u4fbf\u4f60\u4e0d\u4f1a\u9a6c\u4e0a\u5b58\u5165\u4efb\u4f55\u8d44\u91d1\u3002<\/p>\n<p>\u5728\u52a0\u62ff\u5927\uff0c\u4e3b\u8981\u7684\u8d26\u6237\u7c7b\u578b\u4e3a\u652f\u7968\u8d26\u6237 (chequing) 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Bank of Canada, RBC\uff09\u4e3a\u65b0\u79fb\u6c11\u63d0\u4f9b\u4e00\u6bb5\u65f6\u95f4\u7684\u514d\u6708\u8d39\u798f\u5229\uff0c\u4ece\u800c\u5e2e\u52a9\u4ed6\u4eec\u66f4\u597d\u5730\u5728\u65b0\u7684\u56fd\u5bb6\u5b89\u987f\u4e0b\u6765\u3002\u4fdd\u6301\u60a8\u7684\u8d26\u6237\u5f00\u542f 90 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href=\"https:\/\/www.rbc.com\/newcomers\/credit-history-canada.html?ref=dl-128236\" target=\"_blank\" rel=\"noopener noreferrer\">\u8d2d\u4e70\u624b\u673a\u5957\u9910\u8ba1\u5212<\/a><\/strong>\u2014\u2014\u8fd9\u662f\u968f\u7740\u65f6\u95f4\u7d2f\u79ef\u7684\u3002\u8fd9\u4e2a\u5206\u6570\u662f\u57fa\u4e8e\u8d22\u52a1\u548c\u8fd8\u6b3e\u7684\u8bb0\u5f55\u6765\u5224\u5b9a\u7684\u3002\u4f8b\u5982\uff0c\u6bcf\u6708\u7684\u8d26\u5355\u662f\u5426\u6309\u65f6\u4e0a\u7f34\u3002<\/p>\n<p>\u826f\u597d\u7684\u4fe1\u7528\u5206\u6570\u80fd\u591f\u5e2e\u52a9\u65b0\u79fb\u6c11\u53d6\u5f97\u8d37\u6b3e\u7684\u8d44\u683c\uff0c\u5e76\u4e14\u53ef\u80fd\u5c06\u5e26\u6765\u66f4\u4f4e\u7684\u5229\u7387\u3002\u8fd9\u5728\u8d2d\u4e70\u8f66\u8f86\u3001\u62b5\u62bc\u8d37\u6b3e\u3001\u652f\u4ed8\u5b66\u8d39\u65f6\u90fd\u5c06\u6709\u6240\u5e2e\u52a9\u3002<\/p>\n<p>\u4ee5\u4e0b\u662f\u5173\u4e8e\u5efa\u7acb\u548c\u7ef4\u62a4\u4fe1\u7528\u5206\u6570\u7684\u4e00\u4e9b\u5176\u4ed6\u8981\u70b9\uff1a<\/p>\n<ul>\n<li><strong>\u4fe1\u7528\u5206\u6570\u662f\u4e0e\u4e2a\u4eba\u7ed1\u5b9a\u7684\u3002<\/strong>\u5982\u679c\u4fe1\u7528\u5361\u3001\u6c7d\u8f66\u8d37\u6b3e\u3001\u62b5\u62bc\u8d37\u6b3e\u53ea\u767b\u8bb0\u5728\u60a8\u914d\u5076\u7684\u540d\u4e0b\uff0c\u90a3\u4e48\u76f8\u5173\u7684\u6d3b\u52a8\u5c06\u88ab\u7ed1\u5b9a\u81f3\u60a8\u914d\u5076\u7684\u4fe1\u7528\u5206\u6570\u3002\u6bcf\u4e2a\u4eba\u90fd\u5e94\u5f53\u5efa\u7acb\u4ed6\u4eec\u81ea\u5df1\u7684\u4fe1\u7528\u8bb0\u5f55\u3002<\/li>\n<li><strong>\u53ca\u65f6\u652f\u4ed8\u60a8\u7684\u8d26\u5355\u3002<\/strong>\u4fe1\u7528\u5206\u6570\u662f\u7531\u4fe1\u7528\u62a5\u544a\u673a\u6784\u8fdb\u884c\u51fa\u5177\u7684\uff0c\u5b83\u80fd\u53cd\u6620\u8d26\u5355\u662f\u5426\u53ca\u65f6\u652f\u4ed8\uff0c\u5305\u62ec\u6c34\u7535\u6c14\u8d39\u3001\u79fb\u52a8\u7535\u8bdd\u4ee5\u53ca\u4fe1\u7528\u5361\u7684\u8d26\u5355\u3002\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\u52a1\u5fc5\u81f3\u5c11\u53ca\u65f6\u652f\u4ed8\u6700\u4f4e\u8fd8\u6b3e\u989d\u3002<\/li>\n<li><strong>\u5b9a\u671f\u67e5\u770b\u60a8\u7684\u4fe1\u7528\u5206\u6570<\/strong>\u3002\u52a0\u62ff\u5927\u7687\u5bb6\u94f6\u884c\u7684\u4e2a\u4eba\u94f6\u884c\u4e1a\u52a1\u5ba2\u6237\u80fd\u591f\u901a\u8fc7\u4ed6\u4eec\u7684\u5728\u7ebf\u94f6\u884c\u4e1a\u52a1\u95e8\u6237\u4e2d\u7684 TransUnion CreditView \u62a5\u544a\u67e5\u770b\u4ed6\u4eec\u7684\u4fe1\u7528\u5206\u6570\u3002\u6bcf\u5e74\u81f3\u5c11\u67e5\u770b\u4e00\u6b21\u60a8\u7684\u4fe1\u7528\u5206\u6570\u5c06\u6709\u52a9\u4e8e\u53d1\u73b0\u4efb\u4f55\u9519\u8bef\u5e76\u901a\u8fc7\u786e\u4fdd\u4fe1\u606f\u7684\u51c6\u786e\u6027\u6765\u4fdd\u62a4\u81ea\u5df1\u514d\u906d\u8eab\u4efd\u8bc8\u9a97\u3002<\/li>\n<\/ul>\n<p>\u867d\u7136\u6bcf\u4f4d\u52a0\u62ff\u5927\u7684\u65b0\u79fb\u6c11\u90fd\u6709\u7740\u4ed6\u4eec\u81ea\u5df1\u7684\u622a\u7136\u4e0d\u540c\u7684\u76ee\u6807\u548c\u5904\u5883\uff0c\u4f46\u4ed6\u4eec\u4e2d\u7684\u5927\u90e8\u5206\u90fd\u8feb\u5207\u5730\u60f3\u8981\u4e86\u89e3\u5982\u4f55\u63a2\u7d22\u52a0\u62ff\u5927\u7684\u91d1\u878d\u8bed\u8a00\u548c\u73af\u5883\u3002\u5982\u679c\u60a8\u6709\u4efb\u4f55\u7591\u95ee\uff0c\u8bf7\u968f\u65f6\u54a8\u8be2\u60a8\u7684\u94f6\u884c\u5ba2\u6237\u987e\u95ee\u3002<\/p>\n<p>\u5728\u5bf9\u5982\u4f55\u7ba1\u7406\u8d22\u52a1\u548c\u5efa\u7acb\u4fe1\u7528\u8bb0\u5f55\u6709\u4e86\u624e\u5b9e\u7684\u7406\u89e3\u4e4b\u540e\uff0c\u5728\u52a0\u62ff\u5927\u5f00\u542f\u4e00\u6bb5\u65b0\u751f\u6d3b\u5c06\u53d8\u5f97\u66f4\u52a0\u5bb9\u6613\u3002\u5145\u6ee1\u5e0c\u671b\u7684\u672a\u6765\u5c31\u5728\u524d\u65b9\u3002<\/p>\n<p>\u5982\u9700\u5728\u52a0\u62ff\u5927\u5efa\u7acb\u94f6\u884c\u8d26\u6237\u3001\u83b7\u53d6\u4fe1\u7528\u5361\u6216\u662f\u62b5\u62bc\u8d37\u6b3e\u65b9\u9762\u7684\u534f\u52a9\uff0c\u8bf7\u8bbf\u95ee <strong><a href=\"https:\/\/www.rbc.com\/newcomers\/\" target=\"_blank\" rel=\"noopener noreferrer\">rbc.com\/newcomers<\/a><\/strong>\u3002<\/p>\n<blockquote><p>\u76f8\u5173\u9605\u8bfb\uff1a<\/p>\n<p class=\"title\"><a href=\"https:\/\/www.wes.org\/zh-hans\/advisor-blog\/building-your-credit\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u56fd\u9645\u751f\u5982\u4f55\u5efa\u7acb\u4fe1\u7528\u8bb0\u5f55<\/a><\/p>\n<p class=\"title\"><a href=\"https:\/\/www.wes.org\/zh-hans\/advisor-blog\/international-credit-score-us\/\" target=\"_blank\" rel=\"noopener 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