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「基本業務」目錄
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1-2-0-1 股金
1-2-0-2 備轉金
1-2-0-3 人壽儲蓄互助基金
1-2-0-2 備轉金
基本業務 ==== <span style="font-size:12pt"><span style="font-family:Calibri,sans-serif">**<span lang="ZH-HK" style="font-size:14.0pt"><span style="background:#ffe599"><span style="font-family:"王漢宗超明體繁",serif">什麼是股金？</span></span></span>** **<span lang="EN-US" style="font-size:14.0pt"><span style="font-family:"王漢宗超明體繁",serif"></span></span>**</span></span> - <span style="font-size:12pt"><span style="font-family:"Times New Roman",serif"><span lang="ZH-HK" style="font-family:"新細明體",serif">是社員參加儲蓄互助社的根本，社員有義務每月儲蓄股金。</span><span lang="EN-US" style="font-family:"新細明體",serif"></span></span></span> - <span style="font-size:12pt"><span style="font-family:"Times New Roman",serif"><span lang="ZH-HK" style="font-family:"新細明體",serif">一股一佰元，讓社員在有限的時間內</span><span style="font-family:"新細明體",serif">，</span><span lang="ZH-HK" style="font-family:"新細明體",serif">依己身的能力來養成儲蓄的好習慣。</span><span lang="EN-US" style="font-family:"新細明體",serif"></span></span></span> <span style="font-size:12pt"><span style="font-family:Calibri,sans-serif">**<span lang="ZH-HK" style="font-size:14.0pt"><span style="background:#ffe599"><span style="font-family:"王漢宗超明體繁",serif">為什麼需要存股金？存股金的好處</span></span></span>****<span lang="EN-US" style="font-size:14.0pt"><span style="background:#ffe599"><span style="font-family:"王漢宗超明體繁",serif"></span></span></span>**</span></span> - <span style="font-size:12pt"><span style="font-family:"Times New Roman",serif">**<span lang="ZH-HK" style="font-family:"新細明體",serif">儲蓄股金未達一百萬元者，其股息所得免稅。（儲蓄互助社法第</span>****<span lang="EN-US" style="font-family:"新細明體",serif">13</span>****<span lang="ZH-HK" style="font-family:"新細明體",serif">條之</span>****<span lang="EN-US" style="font-family:"新細明體",serif">1</span>****<span lang="ZH-HK" style="font-family:"新細明體",serif">）</span>****<span lang="EN-US" style="font-family:"新細明體",serif"></span>**</span></span> - <span style="font-size:12pt"><span style="font-family:"Times New Roman",serif">**<span lang="ZH-HK" style="font-family:"新細明體",serif">『</span>****<span lang="ZH-HK" style="font-family:"新細明體",serif">股息</span>****<span lang="ZH-HK" style="font-family:"新細明體",serif">』：</span>****<span lang="ZH-HK" style="font-family:"新細明體",serif">股金存款所孳生之利息，於每年社員大會後三天發放上一年度的股金存款孳息。</span>****<span lang="EN-US" style="font-family:"新細明體",serif"></span>**</span></span> <span style="font-size:12pt"><span style="font-family:Calibri,sans-serif"><span lang="ZH-HK" style="font-size:11.0pt"><span style="font-family:"新細明體",serif">註</span></span><span style="font-size:11.0pt"><span style="font-family:"新細明體",serif">：</span></span><span lang="ZH-HK" style="font-size:11.0pt"><span style="font-family:"新細明體",serif">若社員於年度中退股</span></span><span lang="EN-US" style="font-size:11.0pt"><span style="font-family:"新細明體",serif">(</span></span><span lang="ZH-HK" style="font-size:11.0pt"><span style="font-family:"新細明體",serif">領取部份股金存款</span></span><span lang="EN-US" style="font-size:11.0pt"><span style="font-family:"新細明體",serif">)</span></span><span lang="ZH-HK" style="font-size:11.0pt"><span style="font-family:"新細明體",serif">，該退股部份當年度不得分配股息（儲蓄互助社法第</span></span><span lang="EN-US" style="font-size:11.0pt"><span style="font-family:"新細明體",serif">14</span></span><span lang="ZH-HK" style="font-size:11.0pt"><span style="font-family:"新細明體",serif">條）。</span></span><span lang="EN-US" style="font-size:11.0pt"><span style="font-family:"新細明體",serif"></span></span></span></span> - <span style="font-size:12pt"><span style="font-family:"Times New Roman",serif">**<span lang="ZH-HK" style="font-family:"新細明體",serif">參加『人壽儲蓄互助基金』：讓社員在未滿</span>****<span lang="EN-US" style="font-family:"新細明體",serif">75</span>****<span lang="ZH-HK" style="font-family:"新細明體",serif">歲前所存的股金，不管活到幾歲死亡都可能獲得互助金。</span>****<span lang="EN-US" style="font-family:"新細明體",serif"></span>**</span></span> - <span style="font-size:12pt"><span style="font-family:"Times New Roman",serif"><span lang="ZH-HK" style="font-family:"新細明體",serif">是一筆慢慢累積的資產，在沒有資金需求的時候，它就是存款。但當有資金需求的時候，它就成為貸款的基石，能提供給您超過存款的貸款額度。</span><span lang="EN-US" style="font-family:"新細明體",serif"></span></span></span> - <span style="font-size:12pt"><span style="font-family:"Times New Roman",serif">**<span lang="ZH-HK" style="font-family:"新細明體",serif">持續不間斷的儲蓄股金，也可像自行儲蓄的年金，在黃昏歲月</span>****<span style="font-family:"新細明體",serif">（</span>****<span lang="ZH-HK" style="font-family:"新細明體",serif">退休</span>****<span style="font-family:"新細明體",serif">）</span>****<span lang="ZH-HK" style="font-family:"新細明體",serif">時</span>****<span style="font-family:"新細明體",serif">，</span>****<span lang="ZH-HK" style="font-family:"新細明體",serif">亦能提供幫助</span>****<span style="font-family:"新細明體",serif">。</span>****<span lang="ZH-HK" style="font-family:"新細明體",serif">而在我們人生最終點時（回歸主懷）</span>****<span style="font-family:"新細明體",serif">，</span>****<span lang="ZH-HK" style="font-family:"新細明體",serif">也能給遺族些許的安慰與幫助。</span>****<span lang="EN-US" style="font-family:"新細明體",serif"></span>**</span></span>
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