{"id":23623,"date":"2026-08-11T09:31:29","date_gmt":"2026-08-11T01:31:29","guid":{"rendered":"https:\/\/www.workstem.com\/hk\/blog\/%e8%87%aa%e5%8b%95%e8%8d%89%e7%a8%bf\/"},"modified":"2026-08-11T09:31:29","modified_gmt":"2026-08-11T01:31:29","slug":"mpf-withdrawal-lump-sum-vs-installment","status":"publish","type":"post","link":"https:\/\/www.workstem.com\/hk\/blog\/mpf-withdrawal-lump-sum-vs-installment\/","title":{"rendered":"65\u6b72\u5f8c\u5f37\u7a4d\u91d1\u63d0\u53d6\uff1a\u4e00\u7b46\u904evs\u5206\u671f\u63d0\u53d6\u9ede\u63c0\u597d\uff1f"},"content":{"rendered":"<h2>65\u6b72\u9000\u4f11\u63d0\u53d6\u5f37\u7a4d\u91d1\uff1a\u6cd5\u5f8b\u4f9d\u64da\u8207\u57fa\u672c\u8cc7\u683c<\/h2>\n<p>\u6839\u64da\u300a\u5f37\u5236\u6027\u516c\u7a4d\u91d1\u8a08\u5283\u689d\u4f8b\u300b\uff08\u7b2c485\u7ae0\uff09\uff0c\u50f1\u54e1\u5e74\u6eff65\u6b72\u5373\u53ef\u7533\u8acb\u63d0\u53d6\u5168\u90e8\u5f37\u7a4d\u91d1\u7d2f\u7b97\u6b0a\u76ca\uff0c\u6bcb\u9808\u63d0\u4f9b\u4efb\u4f55\u984d\u5916\u7406\u7531\u3002\u6b64\u5916\uff0c\u4ee5\u4e0b\u60c5\u6cc1\u4ea6\u53ef\u63d0\u524d\u7533\u8acb\uff1a<\/p>\n<ul>\n<li>\u6c38\u4e45\u96e2\u958b\u9999\u6e2f\uff1a\u53ef\u7533\u8acb\u4e00\u7b46\u904e\u63d0\u53d6\u5168\u90e8\u6b3e\u9805<\/li>\n<li>\u5b8c\u5168\u55aa\u5931\u884c\u70ba\u80fd\u529b\uff1a\u7531\u53d7\u8a17\u4eba\u6309\u91ab\u7642\u8b49\u660e\u8655\u7406<\/li>\n<li>\u672b\u671f\u75be\u75c5\uff1a\u7531\u91ab\u751f\u8b49\u660e\u9810\u8a08\u58fd\u547d\u4e0d\u8d85\u904e12\u500b\u6708<\/li>\n<li>\u5c0f\u984d\u5e33\u6236\u63d0\u53d6\uff1a\u7d2f\u7b97\u6b0a\u76ca\u4f4e\u65bc\u6e2f\u5e635,000\u5143\uff0c\u4e14\u904e\u53bb12\u500b\u6708\u7121\u4f9b\u6b3e\u8a18\u9304<\/li>\n<\/ul>\n<h2>\u4e09\u7a2e\u63d0\u53d6\u65b9\u5f0f\u4e00\u89bd\uff1a\u9ede\u63c0\u6700\u9069\u5408\u4f60\uff1f<\/h2>\n<table>\n<tbody>\n<tr>\n<td style=\"text-align: center\">\u63d0\u53d6\u65b9\u5f0f<\/td>\n<td style=\"text-align: center\">\u8aaa\u660e<\/td>\n<td style=\"text-align: center\">\u9069\u5408\u4eba\u7fa4<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center\">\u4e00\u7b46\u904e\u63d0\u53d6<\/td>\n<td style=\"text-align: center\">65\u6b72\u8d77\u4e00\u6b21\u6027\u63d0\u53d6\u5168\u90e8\u7d2f\u7b97\u6b0a\u76ca<\/td>\n<td style=\"text-align: center\">\u6709\u660e\u78ba\u5927\u984d\u7528\u9014\u3001\u5065\u5eb7\u6b20\u4f73\u8005<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center\">\u5206\u671f\u63d0\u53d6<\/td>\n<td style=\"text-align: center\">\u6309\u500b\u4eba\u9700\u8981\u5206\u591a\u6b21\u63d0\u53d6\uff0c\u9918\u984d\u7e7c\u7e8c\u6295\u8cc7\u589e\u503c<\/td>\n<td style=\"text-align: center\">\u9577\u58fd\u98a8\u96aa\u9ad8\u3001\u5e0c\u671b\u6301\u7e8c\u589e\u503c\u8005<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center\">\u4fdd\u7559\u5e33\u6236<\/td>\n<td style=\"text-align: center\">\u66ab\u4e0d\u63d0\u53d6\uff0c\u7e7c\u7e8c\u8b93\u8cc7\u7522\u589e\u503c<\/td>\n<td style=\"text-align: center\">\u4ecd\u6709\u5176\u4ed6\u6536\u5165\u4f86\u6e90\u8005<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u4e00\u65e6\u7531\u5de5\u4f5c\u8f49\u70ba\u9000\u4f11\u72c0\u614b\uff0c\u53d7\u8a17\u4eba\u5c07\u628a\u5e33\u6236\u8f49\u5165\u300c\u4fdd\u5b58\u5e33\u6236\u300d\uff08Preservation Account\uff09\uff0c\u50f1\u4e3b\u4f9b\u6b3e\u4ea6\u6703\u505c\u6b62\u3002<\/p>\n<h2>\u4e00\u7b46\u904e\u63d0\u53d6\uff1a\u512a\u9ede\u8207\u98a8\u96aa<\/h2>\n<p><strong>\u512a\u9ede<\/strong><\/p>\n<ul>\n<li>\u5373\u6642\u6d41\u52d5\u6027\uff1a\u8cc7\u91d1\u5373\u6642\u5230\u624b\uff0c\u53ef\u7528\u65bc\u9084\u6e05\u6309\u63ed\u3001\u8cc7\u52a9\u5b50\u5973\u6216\u6d77\u5916\u79fb\u5c45\u5b89\u6392<\/li>\n<li>\u624b\u7e8c\u7c21\u4fbf\uff1a\u53ea\u9700\u4e00\u6b21\u7533\u8acb\uff0c\u7121\u9700\u5b9a\u671f\u806f\u7d61\u53d7\u8a17\u4eba<\/li>\n<li>\u907f\u514d\u5e02\u5834\u98a8\u96aa\uff1a\u63d0\u53d6\u5f8c\u8cc7\u91d1\u4e0d\u518d\u53d7\u57fa\u91d1\u8868\u73fe\u6ce2\u52d5\u5f71\u97ff<\/li>\n<\/ul>\n<p><strong>\u6f5b\u5728\u98a8\u96aa<\/strong><\/p>\n<ul>\n<li>\u9577\u58fd\u98a8\u96aa\uff08Longevity Risk\uff09\uff1a\u9999\u6e2f\u7537\u6027\u5e73\u5747\u9810\u671f\u58fd\u547d82\u6b72\u3001\u5973\u602788\u6b72\uff08\u653f\u5e9c\u7d71\u8a08\u86552023\u5e74\u6578\u64da\uff09\u3002\u82e565\u6b72\u4e00\u7b46\u904e\u63d0\u53d6\uff0c\u8cc7\u91d1\u9700\u81ea\u884c\u7ba1\u740620\u81f325\u5e74<\/li>\n<li>\u901a\u8139\u4fb5\u8755\uff1a\u9999\u6e2f\u9577\u671f\u901a\u8139\u7387\u7d042\u81f33%\uff0c\u4e00\u7b46\u904e\u6240\u5f97\u5982\u5b58\u653e\u4f4e\u606f\u7522\u54c1\uff0c\u5be6\u969b\u8cfc\u8cb7\u529b\u9010\u5e74\u4e0b\u964d<\/li>\n<li>\u6295\u8cc7\u6c7a\u7b56\u58d3\u529b\uff1a\u9000\u4f11\u4eba\u58eb\u81ea\u884c\u7ba1\u7406\u5927\u984d\u8cc7\u91d1\uff0c\u9762\u5c0d\u8a50\u9a19\u98a8\u96aa\u53ca\u6295\u8cc7\u5931\u7576\u98a8\u96aa\u8f03\u9ad8<\/li>\n<\/ul>\n<h2>\u5206\u671f\u63d0\u53d6\uff1a\u9748\u6d3b\u7ba1\u7406\uff0c\u5ef6\u9577\u9000\u4f11\u4fdd\u969c<\/h2>\n<p>\u5206\u671f\u63d0\u53d6\u5141\u8a31\u50f1\u54e1\u6309\u9700\u8981\u63d0\u53d6\u90e8\u5206\u7d2f\u7b97\u6b0a\u76ca\uff0c\u9918\u6b3e\u7e7c\u7e8c\u7559\u5728\u5f37\u7a4d\u91d1\u5e33\u6236\u5167\u6295\u8cc7\u589e\u503c\u3002<\/p>\n<p><strong>\u5206\u671f\u63d0\u53d6\u7684\u6838\u5fc3\u512a\u52e2<\/strong><\/p>\n<ul>\n<li>\u8cc7\u7522\u6301\u7e8c\u589e\u503c\uff1a\u672a\u63d0\u53d6\u7684\u90e8\u5206\u4ecd\u6309\u9078\u5b9a\u57fa\u91d1\u904b\u4f5c\uff0c\u53ef\u53d7\u60e0\u65bc\u8907\u606f\u6548\u61c9<\/li>\n<li>\u7a05\u52d9\u5f48\u6027\uff1a\u5206\u6563\u63d0\u53d6\u53ef\u914d\u5408\u6bcf\u5e74\u6536\u5165\u898f\u5283\uff08\u96d665\u6b72\u5f8c\u63d0\u53d6\u5df2\u8c41\u514d\u85aa\u4ff8\u7a05\uff09<\/li>\n<li>\u5fc3\u7406\u5b89\u5168\u611f\uff1a\u77e5\u9053\u5e33\u6236\u4ecd\u6709\u9918\u984d\uff0c\u6709\u52a9\u9000\u4f11\u751f\u6d3b\u898f\u5283<\/li>\n<\/ul>\n<p><strong>\u5be6\u969b\u8a66\u7b97\uff08\u50c5\u4f9b\u53c3\u8003\uff09<\/strong><\/p>\n<p>\u5047\u8a2d\uff1a\u5f37\u7a4d\u91d1\u7d2f\u7b97\u6b0a\u76ca \u6e2f\u5e63250\u842c\u5143\uff0c\u6bcf\u6708\u751f\u6d3b\u958b\u652f \u6e2f\u5e6315,000\u5143\uff0c\u5e74\u56de\u5831\u7387 5%<\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"text-align: center\">\u63d0\u53d6\u65b9\u5f0f<\/td>\n<td style=\"text-align: center\">\u9810\u8a08\u53ef\u7dad\u6301\u5e74\u671f<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center\">\u4e00\u7b46\u904e\uff08\u5168\u90e8\u63d0\u53d6\uff0c\u653e\u5b58\u6b3e\uff09<\/td>\n<td style=\"text-align: center\">\u7d0413\u81f314\u5e74\uff08\u81f378\u81f379\u6b72\uff09<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center\">\u5206\u671f\u63d0\u53d6\uff08\u7e7c\u7e8c5%\u5e74\u56de\u5831\uff09<\/td>\n<td style=\"text-align: center\">\u7d0423\u81f324\u5e74\uff08\u81f388\u81f389\u6b72\uff09<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u7d50\u8ad6\uff1a\u5206\u671f\u63d0\u53d6\u5728\u540c\u7b49\u91d1\u984d\u4e0b\uff0c\u53ef\u6bd4\u4e00\u7b46\u904e\u591a\u6490\u8fd110\u5e74\uff0c\u986f\u8457\u964d\u4f4e\u300c\u4eba\u672a\u8d70\uff0c\u9322\u5148\u7528\u5b8c\u300d\u7684\u98a8\u96aa\u3002<\/p>\n<h2><strong>\u7a05\u52d9\u5b89\u6392\uff1a65\u6b72\u5f8c\u63d0\u53d6\u514d\u7a05<\/strong><\/h2>\n<p>\u6839\u64da\u9999\u6e2f\u300a\u7a05\u52d9\u689d\u4f8b\u300b\u53ca\u7a4d\u91d1\u5c40\u898f\u5b9a\uff1a<\/p>\n<ul>\n<li>65\u6b72\u6216\u4ee5\u4e0a\u63d0\u53d6\u7684\u5f37\u7a4d\u91d1\u7d2f\u7b97\u6b0a\u76ca\uff0c\u5168\u6578\u8c41\u514d\u85aa\u4ff8\u7a05<\/li>\n<li>\u63d0\u524d\u9000\u4f11\uff0860\u81f364\u6b72\uff09 \u63d0\u53d6\u90e8\u5206\u6216\u5168\u90e8\uff0c\u4ea6\u540c\u6a23\u8c41\u514d\u85aa\u4ff8\u7a05<\/li>\n<li>\u5f37\u7a4d\u91d1\u7d2f\u7b97\u6b0a\u76ca\u7684\u6295\u8cc7\u56de\u5831\u53ca\u589e\u503c\u90e8\u5206\uff0c\u5747\u6bcb\u9808\u7e73\u7d0d\u8cc7\u672c\u589e\u503c\u7a05\uff08\u9999\u6e2f\u73fe\u884c\u7121\u8cc7\u672c\u589e\u503c\u7a05\uff09<\/li>\n<\/ul>\n<p>\u6b64\u70ba\u9999\u6e2f\u5f37\u7a4d\u91d1\u5236\u5ea6\u7684\u91cd\u8981\u7a05\u52d9\u512a\u60e0\uff0c\u5efa\u8b70\u5728\u63d0\u53d6\u524d\u8aee\u8a62\u6301\u724c\u8ca1\u52d9\u9867\u554f\u6216\u7a05\u52d9\u9867\u554f\uff0c\u78ba\u4fdd\u500b\u4eba\u898f\u5283\u6700\u512a\u5316\u3002<\/p>\n<h2>\u7533\u8acb\u6b65\u9a5f\uff1a\u5982\u4f55\u63d0\u53d6\u5f37\u7a4d\u91d1\u7d2f\u7b97\u6b0a\u76ca\uff1f<\/h2>\n<p><strong>\u6b65\u9a5f\u4e00\uff1a\u78ba\u8a8d\u63d0\u53d6\u8cc7\u683c<\/strong><\/p>\n<p>\u767b\u5165\u7a4d\u91d1\u6613\u5e73\u53f0\uff08empf.org.hk\uff09\uff0c\u67e5\u95b1\u5404\u5e33\u6236\u7684\u53d7\u8a17\u4eba\u540d\u7a31\u53ca\u7d2f\u7b97\u6b0a\u76ca\u91d1\u984d\u3002<\/p>\n<p><strong>\u6b65\u9a5f\u4e8c\uff1a\u806f\u7d61\u53d7\u8a17\u4eba<\/strong><\/p>\n<p>\u76f4\u63a5\u806f\u7d61\u7ba1\u7406\u4f60\u5f37\u7a4d\u91d1\u5e33\u6236\u7684\u53d7\u8a17\u4eba\uff0c\u4f8b\u5982\u5b8f\u5229\u3001\u6052\u751f\u3001\u5bcc\u9054\u3001Principal\u7b49\uff0c\u7d22\u53d6**\u300c\u63d0\u53d6\u7d2f\u7b97\u6b0a\u76ca\u300d\u8868\u683c**\u3002<\/p>\n<p><strong>\u6b65\u9a5f\u4e09\uff1a\u586b\u59a5\u7533\u8acb\u8868\u683c<\/strong><\/p>\n<ul>\n<li>\u4e00\u822c\u63d0\u53d6\u8868\u683c\u7de8\u865f\uff1aMPF(S)-W(R)\uff08\u7a4d\u91d1\u5c40\u6a19\u6e96\u8868\u683c\uff09<\/li>\n<li>\u5982\u5c6c\u5206\u671f\u63d0\u53d6\uff0c\u9700\u586b\u5beb\u64ec\u63d0\u53d6\u91d1\u984d\u6216\u767e\u5206\u6bd4<\/li>\n<li>\u63d0\u4f9b\u9999\u6e2f\u8eab\u4efd\u8b49\u526f\u672c\u53ca\u9280\u884c\u5e33\u6236\u8cc7\u6599<\/li>\n<\/ul>\n<p><strong>\u6b65\u9a5f\u56db\uff1a\u63d0\u4ea4\u6838\u5be6\u6587\u4ef6<\/strong><\/p>\n<ul>\n<li>\u9999\u6e2f\u8eab\u4efd\u8b49\uff08\u8b49\u660e\u5e74\u9f61\uff09<\/li>\n<li>\u9280\u884c\u5e33\u6236\u8b49\u660e\uff08\u7528\u65bc\u6536\u6b3e\uff09<\/li>\n<li>\u5982\u5c6c\u63d0\u524d\u9000\u4f11\uff0c\u9700\u63d0\u4f9b\u8072\u660e\u8868\u683c<\/li>\n<\/ul>\n<p><strong>\u6b65\u9a5f\u4e94\uff1a\u7b49\u5f85\u8655\u7406\u53ca\u6536\u6b3e<\/strong><\/p>\n<ul>\n<li>\u53d7\u8a17\u4eba\u4e00\u822c\u65bc\u6536\u5230\u5b8c\u6574\u6587\u4ef6\u5f8c 30\u500b\u5de5\u4f5c\u5929\u5167 \u5b8c\u6210\u8655\u7406\uff0c\u6b3e\u9805\u76f4\u63a5\u5b58\u5165\u6307\u5b9a\u9280\u884c\u5e33\u6236\u3002<\/li>\n<li>\u82e5\u540c\u6642\u6301\u6709\u591a\u9593\u53d7\u8a17\u4eba\u7ba1\u7406\u7684\u5f37\u7a4d\u91d1\u5e33\u6236\uff0c\u9700\u5206\u5225\u5411\u5404\u53d7\u8a17\u4eba\u63d0\u4ea4\u7533\u8acb\uff0c\u5efa\u8b70\u512a\u5148\u4f7f\u7528\u7a4d\u91d1\u6613\u5e73\u53f0\u6574\u5408\u5e33\u6236\u3002<\/li>\n<\/ul>\n<h2>\u54ea\u985e\u4eba\u9069\u5408\u54ea\u7a2e\u65b9\u5f0f\uff1f<\/h2>\n<p><strong>\u9069\u5408\u4e00\u7b46\u904e\u63d0\u53d6\u7684\u60c5\u6cc1<\/strong><\/p>\n<ul>\n<li>\u6709\u5927\u984d\u5373\u6642\u8ca1\u52d9\u9700\u8981\uff08\u4f8b\u5982\u6e05\u9084\u6309\u63ed\u3001\u91ab\u7642\u8cbb\u7528\uff09<\/li>\n<li>\u5065\u5eb7\u72c0\u6cc1\u6b20\u4f73\uff0c\u9810\u671f\u58fd\u547d\u8f03\u77ed<\/li>\n<li>\u5df2\u5099\u6709\u5176\u4ed6\u7a69\u5b9a\u9000\u4f11\u6536\u5165\uff08\u5982\u5f37\u7a4d\u91d1\u4ee5\u5916\u7684\u8077\u696d\u9000\u4f11\u8a08\u5283\u3001\u7269\u696d\u79df\u91d1\u6536\u5165\uff09<\/li>\n<li>\u8a08\u5283\u79fb\u5c45\u6d77\u5916\uff0c\u9700\u8981\u6d41\u52d5\u8cc7\u91d1\u5b89\u6392<\/li>\n<\/ul>\n<p><strong>\u9069\u5408\u5206\u671f\u63d0\u53d6\u7684\u60c5\u6cc1<\/strong><\/p>\n<ul>\n<li>\u8eab\u9ad4\u5065\u5eb7\uff0c\u9810\u8a08\u9000\u4f11\u751f\u6d3b\u9577\u905420\u5e74\u6216\u4ee5\u4e0a<\/li>\n<li>\u6c92\u6709\u5176\u4ed6\u7a69\u5b9a\u6536\u5165\u4f86\u6e90\uff0c\u5f37\u7a4d\u91d1\u662f\u4e3b\u8981\u9000\u4f11\u4fdd\u969c<\/li>\n<li>\u5c0d\u6295\u8cc7\u6709\u57fa\u672c\u8a8d\u8b58\uff0c\u5e0c\u671b\u8cc7\u7522\u7e7c\u7e8c\u589e\u503c<\/li>\n<li>\u50be\u5411\u9748\u6d3b\u8ca1\u52d9\u7ba1\u7406\uff0c\u4e0d\u6b32\u4e00\u6b21\u904e\u5957\u73fe<\/li>\n<\/ul>\n<p><strong>\u6df7\u5408\u7b56\u7565\uff08\u6700\u5e38\u898b\uff09<\/strong><\/p>\n<p>\u8a31\u591a\u9000\u4f11\u4eba\u58eb\u63a1\u7528\u6df7\u5408\u65b9\u5f0f\uff1a\u5148\u63d0\u53d6\u90e8\u5206\u7d2f\u7b97\u6b0a\u76ca\u61c9\u4ed8\u5373\u6642\u9700\u8981\uff08\u5982\u6e05\u9084\u6309\u63ed\u5c3e\u6578\uff09\uff0c\u9918\u6b3e\u7559\u5728\u5e33\u6236\u7e7c\u7e8c\u589e\u503c\uff0c\u65e5\u5f8c\u6309\u9700\u8981\u5206\u671f\u63d0\u53d6\u3002\u6b64\u7b56\u7565\u517c\u9867\u6d41\u52d5\u6027\u8207\u9577\u671f\u4fdd\u969c\u3002<\/p>\n<h2>\u5e38\u898b\u554f\u984c\u89e3\u7b54\uff08FAQ\uff09<\/h2>\n<p><strong>Q1\uff1a\u5f37\u7a4d\u91d1\u53ef\u4ee5\u63d0\u53d6\u591a\u5c11\u6b21\u5206\u671f\uff1f\u6709\u6c92\u6709\u6b21\u6578\u9650\u5236\uff1f<\/strong><\/p>\n<p>A\uff1a\u6839\u64da\u7a4d\u91d1\u5c40\u898f\u5b9a\uff0c\u5206\u671f\u63d0\u53d6\u7684\u6b21\u6578\u53ca\u91d1\u984d\u4e26\u7121\u786c\u6027\u9650\u5236\uff0c\u50f1\u54e1\u53ef\u6309\u500b\u4eba\u9700\u8981\u9748\u6d3b\u6c7a\u5b9a\u6bcf\u6b21\u63d0\u53d6\u91d1\u984d\uff0c\u4f46\u6bcf\u6b21\u63d0\u53d6\u5747\u9700\u5411\u53d7\u8a17\u4eba\u63d0\u4ea4\u7533\u8acb\uff0c\u90e8\u5206\u53d7\u8a17\u4eba\u53ef\u80fd\u8a2d\u6709\u6700\u4f4e\u63d0\u53d6\u91d1\u984d\u8981\u6c42\uff0c\u5efa\u8b70\u5411\u500b\u5225\u53d7\u8a17\u4eba\u67e5\u8a62\u3002<\/p>\n<p><strong>Q2\uff1a65\u6b72\u524d\u53ef\u4ee5\u63d0\u53d6\u5f37\u7a4d\u91d1\u55ce\uff1f<\/strong><\/p>\n<p>A\uff1a\u4e00\u822c\u60c5\u6cc1\u4e0b\u4e0d\u53ef\u4ee5\u3002\u4f46\u4ee5\u4e0b\u7279\u6b8a\u60c5\u6cc1\u9664\u5916\uff1a\u6c38\u4e45\u96e2\u6e2f\u3001\u5b8c\u5168\u55aa\u5931\u884c\u70ba\u80fd\u529b\u3001\u672b\u671f\u75be\u75c5\uff0c\u4ee5\u53ca\u7d2f\u7b97\u6b0a\u76ca\u4f4e\u65bc\u6e2f\u5e635,000\u5143\u4e14\u904e\u53bb12\u500b\u6708\u7121\u4f9b\u6b3e\u8a18\u9304\u7684\u5c0f\u984d\u5e33\u6236\u300260\u81f364\u6b72\u7684\u300c\u65e9\u9000\u4f11\u300d\u4e26\u4e0d\u5c6c\u65bc\u6cd5\u5b9a\u63d0\u53d6\u539f\u56e0\uff0c\u9664\u975e\u7b26\u5408\u4e0a\u8ff0\u7279\u6b8a\u60c5\u6cc1\u3002<\/p>\n<p><strong>Q3\uff1a\u63d0\u53d6\u5f37\u7a4d\u91d1\u9700\u8981\u7e73\u7a05\u55ce\uff1f<\/strong><\/p>\n<p>A\uff1a\u4e0d\u9700\u8981\u3002\u5e74\u6eff65\u6b72\uff08\u621660\u6b72\u63d0\u524d\u9000\u4f11\uff09\u63d0\u53d6\u7684\u5f37\u7a4d\u91d1\u7d2f\u7b97\u6b0a\u76ca\uff0c\u5168\u6578\u8c41\u514d\u9999\u6e2f\u85aa\u4ff8\u7a05\u3002\u6b64\u5916\uff0c\u9999\u6e2f\u73fe\u884c\u4ea6\u7121\u8cc7\u672c\u589e\u503c\u7a05\uff0c\u5f37\u7a4d\u91d1\u7684\u6295\u8cc7\u589e\u503c\u90e8\u5206\u540c\u6a23\u6bcb\u9808\u8ab2\u7a05\u3002<\/p>\n<p><strong>Q4\uff1a\u5982\u679c\u6211\u6709\u591a\u500b\u5f37\u7a4d\u91d1\u5e33\u6236\uff0c\u53ef\u4ee5\u5206\u5225\u9078\u64c7\u4e00\u7b46\u904e\u6216\u5206\u671f\u55ce\uff1f<\/strong><\/p>\n<p>A\uff1a\u53ef\u4ee5\u3002\u6bcf\u500b\u53d7\u8a17\u4eba\u7ba1\u7406\u7684\u5e33\u6236\u5747\u7368\u7acb\u8655\u7406\uff0c\u4f60\u53ef\u4ee5\u5c0d\u4e0d\u540c\u5e33\u6236\u63a1\u7528\u4e0d\u540c\u7684\u63d0\u53d6\u7b56\u7565\uff0c\u4f8b\u5982\u5c0d\u67d0\u5e33\u6236\u9078\u64c7\u4e00\u7b46\u904e\uff0c\u5c0d\u53e6\u4e00\u5e33\u6236\u9078\u64c7\u5206\u671f\u63d0\u53d6\u3002<\/p>\n<p><strong>Q5\uff1a\u5f37\u7a4d\u91d1\u5206\u671f\u63d0\u53d6\u671f\u9593\uff0c\u53ef\u4ee5\u7e7c\u7e8c\u66f4\u6539\u6295\u8cc7\u57fa\u91d1\u7d44\u5408\u55ce\uff1f<\/strong><\/p>\n<p>A\uff1a\u53ef\u4ee5\u3002\u5206\u671f\u63d0\u53d6\u671f\u9593\uff0c\u5e33\u6236\u5167\u7684\u9918\u6b3e\u4ecd\u6309\u5f37\u7a4d\u91d1\u5e33\u6236\u6b63\u5e38\u904b\u4f5c\uff0c\u50f1\u54e1\u53ef\u7e7c\u7e8c\u900f\u904e\u53d7\u8a17\u4eba\u66f4\u6539\u57fa\u91d1\u9078\u64c7\uff0c\u4ee5\u914d\u5408\u500b\u4eba\u7684\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u53ca\u5e02\u5834\u72c0\u6cc1\u3002<\/p>\n<p><strong>Q6\uff1a\u7a4d\u91d1\u6613\u5e73\u53f0\u662f\u5426\u53ef\u4ee5\u76f4\u63a5\u7533\u8acb\u63d0\u53d6\uff1f<\/strong><\/p>\n<p>A\uff1a\u7a4d\u91d1\u6613\uff08eMPF\uff09\u5e73\u53f0\u76ee\u524d\u6301\u7e8c\u64f4\u5c55\u529f\u80fd\u3002\u5efa\u8b70\u767b\u5165 empf.org.hk \u67e5\u95b1\u6700\u65b0\u670d\u52d9\u7bc4\u570d\u3002\u90e8\u5206\u53d7\u8a17\u4eba\u5df2\u652f\u63f4\u7db2\u4e0a\u7533\u8acb\uff0c\u8a73\u60c5\u4ee5\u5404\u53d7\u8a17\u4eba\u5b98\u65b9\u6e20\u9053\u70ba\u6e96\u3002<\/p>\n<h2>\u5c07\u7a4d\u91d1\u6613\u8207\u4eba\u529b\u8cc7\u6e90\u7cfb\u7d71\u7121\u7e2b\u5c0d\u63a5<\/h2>\n<p><span style=\"color: #3366ff\"><a style=\"color: #3366ff\" href=\"https:\/\/www.workstem.com\/hk\/product\/empf\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">Workstem eMPF\u7ba1\u7406\u7cfb\u7d71<\/span><\/a><\/span><span style=\"font-weight: 400\"> \u8cbc\u9999\u6e2f\u6cd5\u4f8b\uff0c\u652f\u63f4\u4e00\u9375\u6279\u91cf\u532f\u5165\u5f37\u7a4d\u91d1\u4f9b\u6b3e\u8a08\u5283\uff0c\u81ea\u52d5\u8a08\u7b97\u4f9b\u6b3e\u65e5\u671f\u548c\u514d\u4f9b\u671f\uff0c\u78ba\u4fdd\u6e96\u6642\u767b\u8a18\uff0c\u907f\u514d\u7f70\u6b3e\u98a8\u96aa\u3002\u540c\u6642\uff0c\u8207<\/span><a href=\"https:\/\/www.workstem.com\/hk\/product\/payroll\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\"><span style=\"color: #3366ff\">\u85aa\u916c\u7ba1\u7406\u7cfb\u7d71<\/span><\/span><\/a><span style=\"font-weight: 400\">\u7dca\u5bc6\u76f8\u9023\uff0c\u81ea\u52d5\u5339\u914d\u6709\u95dc\u5165\u606f\u9805\u76ee\uff0c\u70ba\u6bcf\u4f4d\u50f1\u54e1\u8a08\u7b97\u5f37\u7a4d\u91d1\u4f9b\u6b3e\u984d\uff0c\u7d71\u4e00\u7ba1\u7406\u4e0d\u540c\u50f1\u54e1\u7684\u5f37\u7a4d\u91d1\u8a08\u5283\uff0c\u6e1b\u5c11\u932f\u8aa4\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400\">\u6b64\u5916\uff0cWorkstem\u4e00\u7ad9\u5f0f<\/span><span style=\"color: #3366ff\"><a style=\"color: #3366ff\" href=\"https:\/\/www.workstem.com\/hk\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">\u4eba\u529b\u8cc7\u6e90\u7ba1\u7406\u7cfb\u7d71<\/span><\/a><\/span><span style=\"font-weight: 400\">\uff08HRMS\uff09\u9084\u63d0\u4f9b\u5168\u9762\u7684\u4eba\u529b\u8cc7\u6e90\u89e3\u6c7a\u65b9\u6848\uff0c\u5982\uff1a<\/span><span style=\"color: #3366ff\"><a style=\"color: #3366ff\" href=\"https:\/\/www.workstem.com\/hk\/product\/rostering\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">\u6392\u73ed<\/span><\/a><span style=\"font-weight: 400\">\u3001<\/span><a style=\"color: #3366ff\" href=\"https:\/\/www.workstem.com\/hk\/product\/attendance-management\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">\u8003\u52e4<\/span><\/a><span style=\"font-weight: 400\">\u3001<\/span><a style=\"color: #3366ff\" href=\"https:\/\/www.workstem.com\/hk\/product\/leave\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">\u5047\u671f<\/span><\/a><\/span><span style=\"font-weight: 400\"><span style=\"color: #3366ff\">\u3001<\/span>\u548c<\/span><span style=\"color: #3366ff\"><a style=\"color: #3366ff\" href=\"https:\/\/www.workstem.com\/hk\/product\/tax-reporting\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">\u5831\u7a05<\/span><\/a><\/span><span style=\"font-weight: 400\">\u7ba1\u7406\u7b49\u529f\u80fd\uff0c\u5e6b\u52a9\u4f01\u696d\u5be6\u73fe\u6578\u78bc\u5316\u8f49\u578b\uff0c\u63d0\u9ad8\u7ba1\u7406\u6548\u7387\u548c\u50f1\u54e1\u6eff\u610f\u5ea6\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400\">\u7acb\u5373\u9810\u7d04\u514d\u8cbbDemo\uff0c\u8a66\u7528<\/span><a href=\"https:\/\/www.workstem.com\/hk\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\"><span style=\"color: #3366ff\">Workstem<\/span><\/span><\/a><span style=\"font-weight: 400\">\u4eba\u529b\u8cc7\u6e90\u7ba1\u7406\u7cfb\u7d71\uff0c\u8b93\u60a8\u7684\u5de5\u4f5c\u66f4\u8f15\u9b06\u9ad8\u6548\uff0c\u544a\u5225\u7e41\u7463\u7684Excel\u8a08\u7b97\u3002<\/span><\/p>\n<h2 id=\"title-idx-5\">\u5ef6\u4f38\u95b1\u8b80<\/h2>\n<h3>HR\u8a5e\u5f59<\/h3>\n<p><em><span 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