值得托付晚年的「养老金」，长什么样？

<section ><br /></section><section ><section ><br /></section></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztnFjqcbKlJAPicAUfcfbVf0xgO733CAn0Bic7DMBMZbVDCltCZ5gZUMcedL34UtmwN7ZuG1CLGaRXw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztnFjqcbKlJAPicAUfcfbVf0xgO733CAn0Bic7DMBMZbVDCltCZ5gZUMcedL34UtmwN7ZuG1CLGaRXw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >大家好，我是保爷。</span></section><section ><span >&nbsp;</span></section><section ><span >之前发了一篇：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447787695&amp;idx=1&amp;sn=154eaa36b4b1aac01b633618b65ad730&amp;chksm=b2b061ed85c7e8fb61a38da8ca4dac386c1b65f7df314bff93ce1cc6ed3309a07068532f7046&amp;scene=21#wechat_redirect" textvalue="退休后怎样养老，才能做一个「体面人」？" tab="innerlink">退休后怎样养老，才能做一个「体面人」？</a></span></section><section ><span >&nbsp;</span></section><section ><span >其中有提到我们未来养老的一大支柱，是通过自己投保<strong>年金险</strong>实现的。</span></section><section ><span >&nbsp;</span></section><section ><span >然后有一些朋友过来咨询保爷，大意是：</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">年金险收益计算对小白来说较复杂，很难像医疗险或重疾险那样容易理清；</span></section><section ><span style="color: rgb(136, 136, 136)">&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">面对年金险时总有种云里雾里的感觉，不知道怎么选；</span></section><section ><span style="color: rgb(136, 136, 136)">&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">甚至不知道怎么对比。</span></section><section ><span >&nbsp;</span></section><section ><span >所以保爷今天就来像评测四大保障型保险那样，</span></section><section ><span >&nbsp;</span></section><section ><span >通过测评几款口碑不错的年金险产品，来帮助大家更为直观的了解年金险，主要内容如下：</span></section><section ><span >&nbsp;</span></section><ul ><li style="color: rgb(33, 89, 103)"><p><span style="color: rgb(33, 89, 103)">怎么选择年金险？</span></p></li><li style="color: rgb(33, 89, 103)"><p><span style="color: rgb(33, 89, 103)">热销年金险评测</span></p></li><li style="color: rgb(33, 89, 103)"><p><span style="color: rgb(33, 89, 103)">总结</span></p></li></ul><section ><br /></section><section ><strong ><span style="color: rgb(33, 89, 103)">一</span></strong><strong ><span style="color: rgb(33, 89, 103)">、怎么选择年金险？</span></strong></section><section ><br /></section><section ><span >保爷之前说过，年金险分为好几类。</span></section><section ><span >&nbsp;</span></section><section ><span >但一般大多数人投保年金险的目的，是为了安稳的养老。</span></section><section ><span >&nbsp;</span></section><section ><span >因此，可以确定未来领多少钱的<strong>固定收益年金险</strong>才是养老金的主流。</span></section><section ><span >&nbsp;</span></section><section ><span >所以对于想稳健养老的消费者来说，</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>分红型、万能型、投资连结型</strong>等收益不确定的年金险可能就不太适合。</span></section><section ><span >&nbsp;</span></section><section ><span >那么有着固定收益的<strong>传统型年金险</strong>该怎么选？</span></section><section ><span >&nbsp;</span></section><section ><span >保爷建议从以下这三个点出发：</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)"><strong>I.</strong><strong>收益性</strong></span></section><section ><span >&nbsp;</span></section><section ><span >收益性很好理解，这也是年金险的关键指标，</span></section><section ><span >&nbsp;</span></section><section ><span >毕竟领的钱多与否直接关系到我们的养老质量。</span></section><section ><span >&nbsp;</span></section><section ><span >那怎么才能知道一款年金险的收益呢？</span></section><section ><span >&nbsp;</span></section><section ><span >看它的内部收益率（即IRR）即可，</span></section><section ><span ><br /></span></section><section ><span >一般IRR越高越好，但要注意不要混淆IRR和预定利率。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)"><strong>II.</strong><strong>流动性</strong></span></section><section ><span >&nbsp;</span></section><section ><span >年金险虽说流动性一般，但从一些特性还是能看出年金险对投保人是否友好。</span></section><section ><span >&nbsp;</span></section><section ><span >例如能否减保、初期的现金价值等，</span></section><section ><span ><br /></span></section><section ><span >方便投保人急需用钱时，可以通过减保或退保来救急。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)"><strong>III.</strong><strong>灵活性</strong></span></section><section ><span >&nbsp;</span></section><section ><span >灵活性涵盖的范围就比较大，一款产品的缴费形式或领取时间、年龄、方式等越多样化就越灵活。</span></section><section ><span >&nbsp;</span></section><section ><span >诸如支持趸交或5/10年交、领取时间是限定期限还是终身、领取年龄是否有多种可选、按年还是按月领取年金等。</span></section><section ><span >&nbsp;</span></section><section ><strong><span >我们在选购年金险产品时，以上三个重点一定要盯好。</span></strong></section><section ><span >&nbsp;</span></section><section ><span ><strong><span style="color: rgb(33, 89, 103)">二、热销年金险评测</span></strong></span></section><section ><span ><br /></span></section><section ><span >看过上面年金险怎么选，接下来我们就通过实例来分析下。</span></section><section ><span ><br /></span></section><section ><span >这里我们挑选了3款口碑较好的年金险，先看下产品保障责任：</span></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczvqH85Ew4ghGA9icRNvZTGYbSuxEW8jvLr30YRXUwNWZI8ibl6sarWUUTEpPFpYXPMRIZeGOZgPwZ0g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvqH85Ew4ghGA9icRNvZTGYbSuxEW8jvLr30YRXUwNWZI8ibl6sarWUUTEpPFpYXPMRIZeGOZgPwZ0g/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >再看下各产品具体收益情况<strong>（以30岁男性，年交保费5万，交10年为例）</strong>：</span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztnFjqcbKlJAPicAUfcfbVf0icrxM0UAYYpHibl9l29Ciataycd1GL5vSHWzzGF8jlRFhLBqWNE4etxvA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztnFjqcbKlJAPicAUfcfbVf0icrxM0UAYYpHibl9l29Ciataycd1GL5vSHWzzGF8jlRFhLBqWNE4etxvA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">点击查看大图</span><br /></section><section ><br /></section><section ><span >值得一提的是，这3款都是市面上仅存不多的<strong>4.025%预定利率</strong>的年金险。</span></section><section ><span >&nbsp;</span></section><section ><span >有朋友可能会问，4.025%不是都下架了吗？怎么还有“漏网之鱼”存在？</span></section><section ><span >&nbsp;</span></section><section ><span >其实是这样，保监会是说之后不再批复预定利率4.025%的年金险上市。</span></section><section ><span >&nbsp;</span></section><section ><span >但之前已经完成销售备案的4.025%年金险不受影响，像招盈金生和自在人生A，早在2017年就已经备案。</span></section><section ><span >&nbsp;</span></section><section ><span >但是保爷估计这些4.025%“遗老”也卖不了多久了，就比如上面3款中的<strong>招盈金生</strong>在3月20号就会下架。</span></section><section ><span >&nbsp;</span></section><section ><span >言尽于此，大家也都懂，有需要的可以找找符合自己养老预期的产品，尽快下手了。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)"><strong>I.</strong><strong>招盈金生</strong></span></section><section ><span >&nbsp;</span></section><section ><span ><strong>招盈金生</strong>是一款很有“个性”的年金险，看它的领取方式就知道了。</span></section><section ><span >&nbsp;</span></section><section ><span >它也是前面说的挑选年金险“三重点”中，“流动性”的代表产品。</span></section><section ><span >&nbsp;</span></section><section ><span >第5个保单周年即可领取一笔特别生存金，比之那些60岁才能领的养老金真的是太早了。</span></section><section ><span >&nbsp;</span></section><section ><span >然后在第6个保单周年日开始，每年可以领取30%的基本保额。</span></section><section ><span >&nbsp;</span></section><section ><span >虽说比不上60岁后每年领取100%保额的养老金，</span></section><section ><span >&nbsp;</span></section><section ><span >但胜在给的早，而且还有<strong>祝寿金</strong>的存在，</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>在大多数养老金才开始领取的时候，招盈金生已经领到一大笔养老金了。</strong></span></section><section ><span >&nbsp;</span></section><section ><span >并且招盈金生的前期现金价值也非常高。</span></section><section ><span >&nbsp;</span></section><section ><span >如果选择趸交，第3年开始现金价值就能和已交保费持平。</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>在保爷看来，这款产品很适合资金流动频繁、追求现金流，认为“现金为王”的人。</strong></span></section><section ><span >&nbsp;</span></section><section ><span >比如投保几年后，就需要流动资金来维持开支或投资。</span></section><section ><span >&nbsp;</span></section><section ><span >毕竟从第5个保单周年开始就能领取，现金价值也高。</span></section><section ><span ><br /></span></section><section ><span >60岁左右就能把已交保费全部拿到手，而这时候其他投保人才刚刚拿第一年养老金。</span></section><section ><span >&nbsp;</span></section><section ><span >招盈金生这些特质，都与需要“快钱”、希望“快返”、急着用钱的人群很是契合。</span></section><section ><span >&nbsp;</span></section><section ><span >最后再提醒一下，招盈金生在本月20号就会下架，有以上需求的朋友建议早点下手。</span></section><section ><span ><br /></span></section><section ><span >由于招盈金生的投保稍微有点复杂，想要投保这款产品的朋友请私信保爷（保爷微信：dongbaoye999）获取专属投保链接。<br /></span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)"><strong>II.</strong><strong>自在人生A</strong></span></section><section ><span >&nbsp;</span></section><section ><span ><strong>自在人生A</strong>与招盈金生相比，就是最传统的那类年金险。</span></section><section ><span >&nbsp;</span></section><section ><span >年轻的时候交钱，60岁左右退休后拿钱。</span></section><section ><span >&nbsp;</span></section><section ><span >虽然前期现金价值和“流动性”远不如招盈金生，但自在人生A的“收益性”和“灵活性”却很不错。</span></section><section ><span >&nbsp;</span></section><section ><span >缴费时可以选择月交/季交/半年交/一年交，领取养老金时也可以选按月或按年领取。</span></section><section ><span >&nbsp;</span></section><section ><span >此外，自在人生A还有个特点比较好：<strong>养老金可以保证领取20年</strong>。</span></section><section ><span >&nbsp;</span></section><section ><span >比如在开始领取养老金的第5年不幸身故，</span></section><section ><span >&nbsp;</span></section><section ><span >保险公司会一次性赔付剩下15年没能领取的养老金作为身故保险金。</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>在保爷看来，自在人生A就很适合想老老实实“养老”的人群。</strong></span></section><section ><span >&nbsp;</span></section><section ><span >退休后年龄越大，领的钱越多，收益也比招盈金生要高一些。</span></section><section ><span >&nbsp;</span></section><section ><span >最后提醒一下：</span></section><section ><span >&nbsp;</span></section><section ><span >虽说自在人生A 有<strong>55/60/65岁</strong>3个领取年龄，但保险条款中规定要达到“法定退休年龄”才能领取养老金。</span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczvqH85Ew4ghGA9icRNvZTGYbMvUBzf6kDkubIEn1p4RQJXJBSxDhHoQoDDTtgCGJFLYp686E5YrJIg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczvqH85Ew4ghGA9icRNvZTGYbMvUBzf6kDkubIEn1p4RQJXJBSxDhHoQoDDTtgCGJFLYp686E5YrJIg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >所以，除了可以55岁退休的女性，男性最早只能选择60岁领取。</span></section><section ><span >&nbsp;</span></section><section ><span >这个也谈不上缺点，因为大多类似产品都是按60岁的退休年龄算的，而且对女性被保人也比较友好。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)"><strong>III.</strong><strong>悦未来</strong></span></section><section ><span >&nbsp;</span></section><section ><span >悦未来这款产品就比较全能，但全能的代价就是中庸，</span></section><section ><span ><br /></span></section><section ><span >虽然它的前期现金价值甚至比招盈金生更高。</span></section><section ><span >&nbsp;</span></section><section ><span >因为现金价值高，却不能像招盈金生那样很早就能领取，快速拿钱。</span></section><section ><span >&nbsp;</span></section><section ><span >而悦未来和它保障类似的自在人生A相比，领的钱又少了很多。</span><span style="color: rgb(136, 136, 136)">（参见前面收益表）</span><span >。</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>毕竟能同时兼两家之长的产品，肯定有着一定的短板</strong>。</span></section><section ><span >&nbsp;</span></section><section ><span >当然，也不能完全否定它。</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>在保爷看来，悦未来适合：想在早期有一定流动性（如退保救急），又想在后期可以拿钱养老的人群。</strong></span></section><section ><span >&nbsp;</span></section><section ><span ><strong><span style="color: rgb(33, 89, 103)">三、总结</span></strong></span></section><section ><span >&nbsp;</span></section><section ><span >最后再来简单总结下今天的评测：</span></section><section ><span >&nbsp;</span></section><ul ><li ><p><span ><strong>招盈金生：</strong>能很早领取、前期现金价值高、有祝寿金、年金领取稍低，适合有现金流需求的投保人；</span></p></li><li ><p><span ><strong>自在人生A：</strong>领得多、极高的收益、灵活性不错，适合有稳健养老需求的投保人；</span></p></li><li ><p><span ><strong>悦未来：</strong>前期现金价值高、领取的年金一般，适合既要流动性、又有一定养老需求的投保人。</span></p></li></ul><section ><span >&nbsp;</span></section><section ><span >再给大家整个“参考答案”：</span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczvqH85Ew4ghGA9icRNvZTGYbGh1tDEfu4HdJXicCQeJnyE5wPoajibGdH72BzH8Ij3BaEo1LnLdoH2Rw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvqH85Ew4ghGA9icRNvZTGYbGh1tDEfu4HdJXicCQeJnyE5wPoajibGdH72BzH8Ij3BaEo1LnLdoH2Rw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >保爷常说：</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>一定要结合我们自己的实际情况来进行取舍，如此才能找到最合适自己的产品。</strong></span></section><section ><span >&nbsp;</span></section><section ><span >所以大家无论在投保任何险种前，都要理清自己的需求再下手。</span></section><section ><span >&nbsp;</span></section><p ><span >就像今天说的，如果追求现金流，想短期回本，不求极高的收益那就<strong>招盈金生</strong>。</span></p><p ><span >&nbsp;</span></p><p ><span >单纯想好好养老，现在不急着要钱，想要以后有高收益的养老金，就选<strong>自在人生A</strong>。</span></p><p ><span >&nbsp;</span></p><p style="text-align: left"><strong><span style="color: rgb(33, 89, 103)">至于保爷自己，保爷投“自在人生A”：</span></strong></p><section style="text-align: left"><br /></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)">首先，我没有那么急着过早领取，60岁前我有工作有收入来源；</span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)"><br /></span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)">其次，我个人觉得等到七老八十的时候，完全没必要身故后还给后代留一笔钱。</span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)"><br /></span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)">那个时候可能连孙子都有收入了，我自己早已不是家庭的经济支柱，没必要留钱给后代。</span></section><section style="text-align: left"><br /></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)">所以我在意每年领取的金额高低，养老保险嘛，主要是养自己的老，老的时候多拿钱，所以投领取金额最多的<strong>自在人生A。</strong></span></section><section ><span ><br /></span></section><section ><span ><strong><span style="color: rgb(33, 89, 103)">写在最后</span></strong></span></section><section ><span >&nbsp;</span></section><section ><span >看到这里，不知你现在对养老金</span><span style="color: rgb(136, 136, 136)">（年金险）</span><span >有没有一个清晰直观的了解。</span></section><section ><span >&nbsp;</span></section><section ><span >年金险非常复杂，也是各家保险公司在开门红时主推的产品。</span></section><section ><span >&nbsp;</span></section><section ><span >实际销售中，年金险往往会附带一个万能账户，万能账户有个保底收益和预期收益。</span></section><section ><span >&nbsp;</span></section><section ><span >但广大保险代理人们推销宣传的都是演示的预期收益，不代表真实收益，大家很容易被忽悠进坑！</span></section><section ><span >&nbsp;</span></section><section ><span >保险的信息不对称问题太严重，年金险更是重灾区。</span></section><section ><span >&nbsp;</span></section><section ><span >保爷强烈建议大家投保前添加保爷微信：dongbaoye999免费贴心咨询。</span></section><section ><span >&nbsp;</span></section><section ><span >相信保爷和团队老师定能给你一些专业的建议，帮你省钱50%避坑100%！</span></section><section ><span >&nbsp;</span></section><section ><span >保爷温馨提醒：</span></section><section ><span >&nbsp;</span></section><section ><strong><span ><strong ><span >招盈金生将在3月20号下架</span></strong></span></strong></section><section ><strong><span ><br /></span></strong></section><section ><strong><span >本文评测的另外2款4.025%年金险，目前不知道具体会在何时下架，但估计也快了。</span></strong></section><section ><strong><span >&nbsp;</span></strong></section><section ><strong><span >有养老理财需求、考虑配置年金险的朋友千万不要错过这些高收益的年金险。</span></strong></section><section ><span >&nbsp;</span></section><section ><strong><span >自在人生A</span></strong><span >和<strong>悦未来</strong>可通过懂保爷公众号“精选保险”菜单找到查看详情、在线投保，招盈金生的专属投保链接需要私信保爷获取。</span></section><section ><span >&nbsp;</span></section><section ><span >有问题可添加保爷微信：dongbaoye999免费贴心咨询，有问必回。</span></section><section ><span >&nbsp;</span></section><section ><span >相关阅读：</span></section><section ><span >&nbsp;</span></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447787695&amp;idx=1&amp;sn=154eaa36b4b1aac01b633618b65ad730&amp;chksm=b2b061ed85c7e8fb61a38da8ca4dac386c1b65f7df314bff93ce1cc6ed3309a07068532f7046&amp;scene=21#wechat_redirect" textvalue="退休后怎样养老，才能做一个「体面人」？" tab="innerlink"><span >退休后怎样养老，才能做一个「体面人」？</span></a></section><section ><br /></section><section style="text-align: center"><span ><span >—&nbsp;</span><strong >END&nbsp;</strong><span >—</span></span></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)"><strong >愿你家的保单永不出险！</strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FaqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/aqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><strong ><span style="color: rgb(33, 89, 103)">懂保爷</span></strong><br /></section><section style="text-align: center"><span style="color: rgb(33, 89, 103)">你朋友圈人脉里的保险专家</span></section><section style="text-align: center"><br /></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span >&nbsp; &nbsp;&nbsp;<span style="color: rgb(136, 136, 136)">点击阅读原文，查看</span><span style="color: rgb(33, 89, 103)">保爷精选保险</span></span></section><section label="Powered by 135editor.com" ><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，帮忙点下</span><span style="color: rgb(33, 89, 103)"><strong >在看</strong></span><span >吧，谢谢！</span></p></section></section></section>