BV1zhPNz3ENa · 浑水摸鱼清源1 00:00:00,180 --> 00:00:00,840 大家好 2 00:00:00,840 --> 00:00:03,140 请注意以下免责声明 3 00:00:03,140 --> 00:00:06,320 请知悉本视频仅用于信息 4 00:00:06,320 --> 00:00:08,550 教育和娱乐目的 5 00:00:08,550 --> 00:00:11,710 不构成财务建议 6 00:00:11,710 --> 00:00:16,039 我们并非注册财务顾问 7 00:00:21,559 --> 00:00:25,100 关于RSP的税款和取款 8 00:00:25,100 --> 00:00:26,920 具体是如何运作的呢 9 00:00:26,920 --> 00:00:28,780 简而言之为了简化说明 10 00:00:28,780 --> 00:00:30,780 所有RSP取款 11 00:00:31,000 --> 00:00:33,659 虽然您可以随时提取 12 00:00:33,659 --> 00:00:37,520 其设计初衷是用于退休后取款 13 00:00:37,520 --> 00:00:39,299 但如果您选择提取 14 00:00:39,299 --> 00:00:40,020 嗯 15 00:00:40,020 --> 00:00:41,920 将被视为普通收入 16 00:00:41,920 --> 00:00:43,859 将按普通收入征税 17 00:00:43,859 --> 00:00:45,200 例如工资收入 18 00:00:45,200 --> 00:00:46,259 租金收入 19 00:00:46,259 --> 00:00:47,009 等等 20 00:00:47,009 --> 00:00:49,130 如果您进行 21 00:00:49,130 --> 00:00:54,289 在RSP中提取可能还需立即预扣税 22 00:00:54,289 --> 00:00:56,850 这取决于所在省份 23 00:00:56,850 --> 00:00:58,689 与TFSA不同 24 00:00:58,689 --> 00:01:00,649 从RSP中取出的金额 25 00:01:00,649 --> 00:01:01,909 无法重新存入 26 00:01:01,909 --> 00:01:04,870 也不会恢复该缴款额度 27 00:01:04,870 --> 00:01:06,590 因此这是另一个 28 00:01:06,959 --> 00:01:10,200 这是RSP与TFSA的另一个区别 29 00:01:10,200 --> 00:01:12,799 当然特殊情况是 30 00:01:12,799 --> 00:01:15,079 首购住房计划和终身学习计划 31 00:01:15,079 --> 00:01:16,319 需偿还相应款项 32 00:01:16,319 --> 00:01:18,060 但这属于例外情况 33 00:01:18,060 --> 00:01:19,459 但总体而言 34 00:01:19,459 --> 00:01:24,140 所有RSP取款将按普通收入征税 35 00:01:24,140 --> 00:01:26,859 具体税率取决于所在省份和税级 36 00:01:26,859 --> 00:01:28,319 这就是征税方式 37 00:01:28,319 --> 00:01:29,640 如果您 38 00:01:29,640 --> 00:01:32,019 假设遇到紧急情况 39 00:01:32,260 --> 00:01:34,700 且处于高税率档位 40 00:01:34,700 --> 00:01:38,009 例如年收入超15万 41 00:01:38,009 --> 00:01:40,289 从RSP中提取 42 00:01:40,289 --> 00:01:41,469 将适用此 43 00:01:41,469 --> 00:01:43,150 此税率 44 00:01:43,150 --> 00:01:45,150 将按普通收入征税 45 00:01:45,150 --> 00:01:48,900 RSP的核心目的就是在 46 00:01:48,900 --> 00:01:50,200 退休时进行提取 47 00:01:50,200 --> 00:01:52,780 这才是主要目标 48 00:01:52,780 --> 00:01:53,319 没错 49 00:01:53,319 --> 00:01:55,680 当您开始退休时 50 00:01:55,680 --> 00:01:59,379 很可能处于更低税率档位 51 00:01:59,379 --> 00:02:02,400 所以假设你来到这个税级这里 52 00:02:02,400 --> 00:02:03,480 这些提取额 53 00:02:03,480 --> 00:02:06,420 原本需要缴纳四十四点九七 54 00:02:06,420 --> 00:02:09,758 你将节省二十三点一五 55 00:02:09,758 --> 00:02:12,199 差不多接近一半呢对吧 56 00:02:12,199 --> 00:02:14,038 所以整个RSP的核心 57 00:02:14,038 --> 00:02:17,340 就是积累所有资金 58 00:02:17,340 --> 00:02:19,300 取出时实现免税增长 59 00:02:19,300 --> 00:02:19,680 是的 60 00:02:19,680 --> 00:02:21,569 税负如同普通收入 61 00:02:21,569 --> 00:02:24,270 但关键是在退休时进行 62 00:02:24,270 --> 00:02:26,169 那时你处于低税率档 63 00:02:26,169 --> 00:02:27,919 从而减少税负 64 00:02:27,919 --> 00:02:29,639 那具体怎么做呢 65 00:02:29,639 --> 00:02:31,060 流程是怎样的 66 00:02:31,060 --> 00:02:33,899 正如这里所说 67 00:02:34,179 --> 00:02:37,979 基金需转为RIF或年金 68 00:02:37,979 --> 00:02:39,819 最晚七十岁 69 00:02:39,819 --> 00:02:41,360 七十岁时 70 00:02:41,360 --> 00:02:45,250 在当年你满七十岁的那一年 71 00:02:45,250 --> 00:02:48,069 必须在年底前完成 72 00:02:48,069 --> 00:02:51,189 将RSP转为RIF 73 00:02:51,189 --> 00:02:52,969 RIF代表 74 00:02:52,969 --> 00:02:55,590 应该是注册退休收入基金 75 00:02:55,590 --> 00:02:56,449 基本确定没错 76 00:02:56,449 --> 00:03:00,019 但转换后变化不大 77 00:03:00,019 --> 00:03:02,058 当RSP转为RIF时 78 00:03:02,058 --> 00:03:02,519 依然 79 00:03:02,519 --> 00:03:04,459 持有相同投资组合 80 00:03:04,459 --> 00:03:06,359 仍以你名义登记 81 00:03:06,359 --> 00:03:08,939 但拥有RIF后 82 00:03:08,939 --> 00:03:11,639 RSP转换为RIF后 83 00:03:11,639 --> 00:03:12,699 必须开始提取 84 00:03:12,699 --> 00:03:15,639 你必须开始领取 85 00:03:15,639 --> 00:03:17,469 具体数额呢 86 00:03:17,469 --> 00:03:17,909 嗯 87 00:03:17,909 --> 00:03:19,030 取决于你的年龄 88 00:03:19,030 --> 00:03:21,930 我现在在CBC的RIF 89 00:03:21,930 --> 00:03:24,050 最低提取表 90 00:03:24,050 --> 00:03:24,750 这是 91 00:03:24,750 --> 00:03:26,650 最低提取额度 92 00:03:26,650 --> 00:03:27,169 所有人 93 00:03:27,169 --> 00:03:30,210 当RSP转为RIF时 94 00:03:30,210 --> 00:03:32,449 理论上你可以任意提取 95 00:03:32,449 --> 00:03:33,490 可以一次性取出全部 96 00:03:33,490 --> 00:03:33,969 如果愿意的话 97 00:03:33,969 --> 00:03:34,530 但再次提醒 98 00:03:34,530 --> 00:03:36,199 需记住会被征税 99 00:03:36,199 --> 00:03:37,120 嗯 100 00:03:37,120 --> 00:03:39,180 具体税率取决于省份和税级 101 00:03:39,180 --> 00:03:40,879 像常规收入一样 102 00:03:40,879 --> 00:03:42,539 所以呃 103 00:03:42,539 --> 00:03:44,560 基本上在我的 104 00:03:44,560 --> 00:03:46,620 这是我个人的看法 105 00:03:46,620 --> 00:03:48,860 如果你是逐步进行的话就像 106 00:03:48,860 --> 00:03:51,719 假设你在六十岁退休 107 00:03:51,719 --> 00:03:52,360 对吧 108 00:03:52,360 --> 00:03:55,120 最低支付比例 109 00:03:55,120 --> 00:03:59,909 或者必须从账户中提取的最低比例是4% 110 00:04:00,189 --> 00:04:02,590 如果你在六十岁时 111 00:04:02,590 --> 00:04:03,389 正如你可以看到的 112 00:04:03,389 --> 00:04:06,229 这个比例越来越高 113 00:04:06,229 --> 00:04:09,889 请记住必须将rsp转为riff 114 00:04:09,889 --> 00:04:13,129 并在71岁开始取款 115 00:04:14,289 --> 00:04:14,969 这是什么意思 116 00:04:14,969 --> 00:04:15,169 嗯 117 00:04:15,169 --> 00:04:17,920 假设你现在嗯 118 00:04:18,399 --> 00:04:18,800 你 119 00:04:18,800 --> 00:04:19,819 你71岁了 120 00:04:19,819 --> 00:04:21,100 你做得对 121 00:04:21,100 --> 00:04:21,459 对吧 122 00:04:21,459 --> 00:04:22,019 你你 123 00:04:22,019 --> 00:04:23,800 你一生都在缴纳rsp 124 00:04:23,800 --> 00:04:24,339 你的投资表现很好 125 00:04:24,339 --> 00:04:26,509 你的rsp已转为riff 126 00:04:26,509 --> 00:04:29,310 现在价值总体 127 00:04:29,310 --> 00:04:31,089 假设是一百万美元对吧 128 00:04:31,089 --> 00:04:33,149 所以一百万美元 129 00:04:33,149 --> 00:04:34,310 这意味着在71岁时 130 00:04:34,310 --> 00:04:36,189 你需要提取 131 00:04:36,189 --> 00:04:38,459 该金额 132 00:04:38,459 --> 00:04:39,259 的数值 133 00:04:39,259 --> 00:04:39,980 五点 134 00:04:39,980 --> 00:04:40,259 二十 135 00:04:40,259 --> 00:04:43,860 riff账户价值的5.28% 136 00:04:43,860 --> 00:04:45,079 所以一百万美元 137 00:04:45,079 --> 00:04:46,000 5.28%是多少 138 00:04:46,000 --> 00:04:46,279 二十 139 00:04:46,279 --> 00:04:48,379 这是该金额的5.28%对吧 140 00:04:48,379 --> 00:04:50,459 即5万2800美元 141 00:04:50,459 --> 00:04:56,930 在当年你需要取出5万2800美元 142 00:04:56,930 --> 00:04:58,310 而这5万2800美元 143 00:04:58,310 --> 00:05:05,218 将按所在省份和税率像常规收入一样缴税 144 00:05:05,218 --> 00:05:06,579 但当然你已退休 145 00:05:06,579 --> 00:05:10,199 所以很可能你处于 146 00:05:10,199 --> 00:05:14,920 较低的税率档次并缴纳更少税款 147 00:05:14,920 --> 00:05:16,870 比如仍在工作时 148 00:05:16,870 --> 00:05:19,889 这就是取款的基本方式 149 00:05:19,889 --> 00:05:21,548 总之 150 00:05:21,548 --> 00:05:24,428 取款将按常规收入征税 151 00:05:24,428 --> 00:05:27,949 所以你实际支付的金额取决于所在省份的税级 152 00:05:27,949 --> 00:05:29,389 你必须 153 00:05:29,389 --> 00:05:31,269 你可以提取任意金额 154 00:05:31,269 --> 00:05:32,529 你可以提前提取 155 00:05:32,529 --> 00:05:36,629 但顺便说一下你还可以将RSP转为RIF 156 00:05:36,629 --> 00:05:37,670 随时都可以 157 00:05:37,670 --> 00:05:38,870 你可以在65岁提取 158 00:05:38,870 --> 00:05:39,829 你可以在60岁提取 159 00:05:39,829 --> 00:05:41,069 你可以在55岁提取 160 00:05:41,069 --> 00:05:43,869 年龄越小比例越低 161 00:05:43,869 --> 00:05:49,548 实际公式是90减去你的年龄 162 00:05:49,548 --> 00:05:51,319 比如假设 163 00:05:51,319 --> 00:05:53,959 我们来证明65岁的情况 164 00:05:53,959 --> 00:05:56,459 65岁时适用4%的提取率 165 00:05:56,459 --> 00:05:58,279 所以计算90减65 166 00:05:58,279 --> 00:05:59,920 结果是25 167 00:05:59,920 --> 00:06:02,500 然后用1除以25 168 00:06:02,500 --> 00:06:03,040 对吧 169 00:06:03,040 --> 00:06:04,600 90减去你的年龄 170 00:06:04,600 --> 00:06:07,889 再用1除以该数值 171 00:06:08,050 --> 00:06:10,029 可以看到是0. 172 00:06:10,029 --> 00:06:12,209 四百分比 173 00:06:12,209 --> 00:06:13,189 所以乘以100 174 00:06:13,189 --> 00:06:14,310 得到4% 175 00:06:14,310 --> 00:06:17,939 假设你在55岁时将RSP转为RIF 176 00:06:17,939 --> 00:06:18,180 那么 177 00:06:18,180 --> 00:06:20,408 计算90减55 178 00:06:20,408 --> 00:06:21,689 结果是35 179 00:06:21,689 --> 00:06:25,949 如果用1除以35再乘100 180 00:06:25,949 --> 00:06:28,870 这个百分比就是这里的结果 181 00:06:28,870 --> 00:06:29,730 2.85% 182 00:06:29,730 --> 00:06:30,850 显然随着年龄增长 183 00:06:30,850 --> 00:06:31,790 越年轻时 184 00:06:31,790 --> 00:06:34,209 比例越低越年长 185 00:06:34,209 --> 00:06:36,939 从这张提取图表可以看出 186 00:06:36,939 --> 00:06:41,040 政府当然要收取应缴税款 187 00:06:41,040 --> 00:06:42,060 年龄越大 188 00:06:42,060 --> 00:06:42,620 需要提取的金额越多 189 00:06:42,620 --> 00:06:45,050 你被强制提取更多 190 00:06:45,050 --> 00:06:52,730 这个百分比基于当年RIF的实际价值 191 00:06:52,730 --> 00:06:59,740 这就是RSP或RIF的提取规则 192 00:06:59,740 --> 00:07:00,579 嗯 193 00:07:00,579 --> 00:07:02,319 所以本质上就像 194 00:07:02,319 --> 00:07:04,000 我们在第一集提到的 195 00:07:04,000 --> 00:07:08,910 它旨在退休时开始领取养老金 196 00:07:08,910 --> 00:07:10,389 当你处于较低税级时 197 00:07:10,389 --> 00:07:13,149 你可以提取任意金额 198 00:07:13,149 --> 00:07:16,589 但存在最低限额且 199 00:07:16,589 --> 00:07:17,389 到71岁时 200 00:07:17,389 --> 00:07:20,519 必须将RSP转为RIF 201 00:07:20,519 --> 00:07:22,879 然后开始提取最低额度 202 00:07:22,879 --> 00:07:23,800 也就是五点 203 00:07:23,800 --> 00:07:24,079 二十 204 00:07:24,079 --> 00:07:27,720 从 riff 的价值中提取百分之八点八 205 00:07:27,720 --> 00:07:28,480 在那一年 206 00:07:28,480 --> 00:07:29,560 嗯 207 00:07:29,560 --> 00:07:30,060 通常情况下 208 00:07:30,060 --> 00:07:30,759 嗯 209 00:07:30,759 --> 00:07:31,699 这取决于你和谁一起 210 00:07:31,699 --> 00:07:33,920 但通常经纪人会让你 211 00:07:33,920 --> 00:07:37,050 你可以一次性领取全部金额 212 00:07:37,050 --> 00:07:38,689 对的，如果我们回到之前的例子 213 00:07:38,689 --> 00:07:40,430 如果你有一百万美元 214 00:07:40,430 --> 00:07:41,480 七十一点 215 00:07:41,480 --> 00:07:43,620 大约五万两千八百美元 216 00:07:43,620 --> 00:07:45,379 你可以拿到这五万两千美元 217 00:07:45,379 --> 00:07:46,240 五万两千 218 00:07:46,240 --> 00:07:47,910 八百和一次性支付 219 00:07:47,910 --> 00:07:50,980 或者让他们每月发放 220 00:07:50,980 --> 00:07:52,019 如果你想分期领取 221 00:07:52,019 --> 00:07:54,019 通常他们会除以十二 222 00:07:54,019 --> 00:07:55,939 然后每月发放给你 223 00:07:55,939 --> 00:07:58,720 但只要你提取五点 224 00:07:58,720 --> 00:07:58,980 二十 225 00:07:58,980 --> 00:08:03,259 那一年 riff 价值的百分之八点八 226 00:08:03,259 --> 00:08:04,389 你的 riff 就是这样 227 00:08:04,389 --> 00:08:06,850 这就是目前的大致运作方式 228 00:08:06,850 --> 00:08:12,519 从税务角度 rsp 的一大优势 229 00:08:12,519 --> 00:08:16,199 rsp 没有 tsf 所不具备的优势 230 00:08:16,199 --> 00:08:20,100 请记住 rsp 是退休账户 231 00:08:20,100 --> 00:08:24,720 它的优势之一是 232 00:08:24,720 --> 00:08:27,889 美国没有 233 00:08:27,889 --> 00:08:32,990 rsp 或 riff 账户内的股息 withhold 税 234 00:08:32,990 --> 00:08:36,509 如果你持有美国分红股票 235 00:08:36,509 --> 00:08:40,190 我说的是在基金或股票 236 00:08:40,190 --> 00:08:42,029 在纽约证券交易所上市的 237 00:08:42,029 --> 00:08:43,610 在纳斯达克上市的 238 00:08:43,610 --> 00:08:44,129 对的 239 00:08:44,129 --> 00:08:45,690 比如高股息的覆盖 240 00:08:45,690 --> 00:08:49,989 比如 etf 在美国股市上市 241 00:08:49,989 --> 00:08:53,849 如果持有在 tfsa 或普通非注册现金账户 242 00:08:53,849 --> 00:08:57,000 会实际征收百分之十五 withhold 税 243 00:08:57,000 --> 00:09:00,320 但 rsp 中不存在这种情况 244 00:09:00,320 --> 00:09:03,690 因为 rsp 是退休账户 245 00:09:03,690 --> 00:09:06,370 tsf 不被视为退休账户 246 00:09:06,370 --> 00:09:09,759 根据加拿大美国税务条约 247 00:09:09,759 --> 00:09:11,179 有免税条款 248 00:09:11,179 --> 00:09:14,440 免税条款适用于 rsp 249 00:09:14,440 --> 00:09:15,179 riff 250 00:09:15,179 --> 00:09:16,970 lira 和 lifts 251 00:09:16,970 --> 00:09:21,690 但不是tfas或rasps或现金账户 252 00:09:21,690 --> 00:09:22,129 没错 253 00:09:22,129 --> 00:09:28,269 如果你持有我们上市分红股票或高息覆盖看涨期权ETF 254 00:09:28,269 --> 00:09:28,730 例如 255 00:09:28,730 --> 00:09:30,649 在你的rsp或riff中 256 00:09:30,649 --> 00:09:33,929 无需缴纳15%的持有税 257 00:09:33,929 --> 00:09:35,330 这是一项重大优势 258 00:09:35,330 --> 00:09:39,830 如果你有一些最爱的高息基金或分红股票 259 00:09:39,830 --> 00:09:42,539 你想在美市买入 260 00:09:42,539 --> 00:09:42,720 S 261 00:09:42,720 --> 00:09:43,759 股市行情良好时 262 00:09:43,759 --> 00:09:45,879 这是实际持有的理想场所 263 00:09:45,879 --> 00:09:47,779 这些应放在rsp中 264 00:09:47,779 --> 00:09:48,509 riff 265 00:09:48,509 --> 00:09:49,850 lira或lift 266 00:09:49,850 --> 00:09:53,309 因为无需缴纳15%的预扣税 267 00:09:53,309 --> 00:09:59,200 这再次强调了rsp与tfas的重要区别 268 00:09:59,200 --> 00:10:00,419 tfsa 269 00:10:00,419 --> 00:10:01,600 简言之 270 00:10:01,600 --> 00:10:02,379 每个人 271 00:10:02,379 --> 00:10:09,049 从rsp或riff提取或取出的所有资金 272 00:10:09,049 --> 00:10:10,129 如果 273 00:10:10,129 --> 00:10:13,250 这确实取决于你所在省份的税率 274 00:10:13,250 --> 00:10:13,610 同样 275 00:10:13,610 --> 00:10:15,889 显然是为退休设计的 276 00:10:15,889 --> 00:10:17,649 届时你会处于较低 277 00:10:17,649 --> 00:10:18,250 嗯 278 00:10:18,250 --> 00:10:20,370 你会处于较低税率区间 279 00:10:20,370 --> 00:10:22,309 你可以随时提取 280 00:10:22,309 --> 00:10:24,470 只需记住若大量提取 281 00:10:24,470 --> 00:10:25,269 这可能 282 00:10:25,269 --> 00:10:27,649 让你进入极高税率区间 283 00:10:27,649 --> 00:10:28,230 但你知道 284 00:10:28,230 --> 00:10:28,870 在我看来 285 00:10:28,870 --> 00:10:34,529 最好逐步提取以补充其他养老金收入 286 00:10:34,529 --> 00:10:35,049 如果可以的话 287 00:10:36,169 --> 00:10:36,809 而且 288 00:10:36,809 --> 00:10:40,700 别忘了71岁时必须 289 00:10:40,700 --> 00:10:42,539 当年你 290 00:10:42,539 --> 00:10:46,240 71岁生日后需将rsp转为riff 291 00:10:46,240 --> 00:10:48,940 而riff意味着 292 00:10:48,940 --> 00:10:51,220 有最低支付比例 293 00:10:51,220 --> 00:10:53,419 每年必须提取最低金额 294 00:10:53,419 --> 00:10:58,269 按账户价值的百分比计算 295 00:10:58,269 --> 00:10:59,029 这就是71岁 296 00:10:59,029 --> 00:10:59,509 例如 297 00:10:59,509 --> 00:11:00,730 5.2% 298 00:11:00,730 --> 00:11:01,250 2.8% 299 00:11:01,250 --> 00:11:02,330 8% 300 00:11:02,330 --> 00:11:05,190 你可以将rsp转为riff 301 00:11:05,190 --> 00:11:06,399 随时都可以 302 00:11:06,399 --> 00:11:07,659 年龄越小 303 00:11:07,659 --> 00:11:12,279 最低提取比例就越低 304 00:11:12,279 --> 00:11:14,360 年龄越大 305 00:11:14,360 --> 00:11:17,279 比例就越高对吧 306 00:11:17,279 --> 00:11:23,000 这就是rsp和riff的取款机制大致原理 307 00:11:23,000 --> 00:11:25,200 从税务角度来说别忘了 308 00:11:25,200 --> 00:11:27,860 有个细节是如果你持有美股 309 00:11:27,860 --> 00:11:28,840 分红股票 310 00:11:28,840 --> 00:11:30,159 或美股上市 311 00:11:30,159 --> 00:11:31,720 高收益基金在美股 312 00:11:31,720 --> 00:11:31,879 交易所 313 00:11:31,879 --> 00:11:32,720 股票市场 314 00:11:32,720 --> 00:11:37,720 由于美加税收协定 315 00:11:37,720 --> 00:11:37,840 美 316 00:11:37,840 --> 00:11:38,299 国和加拿大 317 00:11:38,299 --> 00:11:41,328 但仅适用于退休账户 318 00:11:41,328 --> 00:11:43,428 这包括rsp 319 00:11:43,428 --> 00:11:43,928 riff 320 00:11:43,928 --> 00:11:44,448 lira 321 00:11:44,448 --> 00:11:44,948 lift 322 00:11:44,948 --> 00:11:46,609 但不包括tfsa 323 00:11:46,609 --> 00:11:50,009 rsp或其他退休账户 324 00:11:50,009 --> 00:11:51,179 所以嗯 325 00:11:51,179 --> 00:11:51,980 就是这样 326 00:11:51,980 --> 00:11:53,899 对于大多数人来说 327 00:11:53,899 --> 00:11:55,059 如何说呢 328 00:11:55,059 --> 00:11:57,440 rsp和riff 329 00:11:57,440 --> 00:11:58,820 可以说运作方式 330 00:11:58,820 --> 00:11:59,259 告诉我 331 00:11:59,259 --> 00:12:00,460 如有任何疑问 332 00:12:00,460 --> 00:12:00,759 是 333 00:12:00,759 --> 00:12:03,419 这是必须掌握的重要账户 334 00:12:03,580 --> 00:12:03,940 嗯 335 00:12:03,940 --> 00:12:05,019 如果你是加拿大人 336 00:12:05,019 --> 00:12:06,500 越早开始 337 00:12:06,500 --> 00:12:08,019 当然一如既往 338 00:12:08,019 --> 00:12:09,649 效果越好 339 00:12:09,649 --> 00:12:10,909 还有 340 00:12:10,909 --> 00:12:11,230 是的 341 00:12:11,230 --> 00:12:11,730 告诉我 342 00:12:11,730 --> 00:12:13,230 如果有任何疑问 343 00:12:13,230 --> 00:12:18,639 在下一集我们将讲解非注册账户 344 00:12:18,639 --> 00:12:21,240 通常称为现金账户 345 00:12:21,240 --> 00:12:23,759 我们将在下一集讨论该账户 346 00:12:23,759 --> 00:12:25,279 我们下一集再见
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