{"id":400,"date":"2026-05-15T20:02:51","date_gmt":"2026-05-15T20:02:51","guid":{"rendered":"https:\/\/landedmoney.ca\/?p=400"},"modified":"2026-05-15T20:07:40","modified_gmt":"2026-05-15T20:07:40","slug":"why-immigrant-parents-dont-trust-banks-in-canada-and-when-theyre-right","status":"publish","type":"post","link":"https:\/\/landedmoney.ca\/zh\/why-immigrant-parents-dont-trust-banks-in-canada-and-when-theyre-right\/","title":{"rendered":"Why Immigrant Parents Don’t Trust Banks in Canada (And When They’re Right)"},"content":{"rendered":"
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\n \"A\n <\/figure>\n\n
\n \"Quang\n
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\u5149\u9ec3<\/div>\n
May 15, 2026 \u00b7 7 min read<\/div>\n <\/div>\n <\/div>\n\n
\n Educational only, not personal financial advice. Please speak to a licensed advisor for your specific situation.\n <\/div>\n\n
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\u4e0d\u589e\u503c\u7684\u8ca8\u5e63\u6bcf\u5e74\u90fd\u5728\u8cb6\u503c\u3002\u5728\u901a\u8ca8\u81a8\u8139\u7387\u70ba3%\u7684\u60c5\u6cc1\u4e0b\uff0c\u4eca\u5929$10,000\u7684\u8ca8\u5e63\uff0c\u5341\u5e74\u5f8c\u5927\u7d04\u53ea\u80fd\u8cb7\u5230\u50f9\u503c$7,400\u7684\u5546\u54c1\u3002\u9214\u7968\u770b\u8d77\u4f86\u6c92\u8b8a\uff0c\u4f46\u5be6\u969b\u7528\u9014\u537b\u6e1b\u5c11\u4e86\u3002.<\/p><\/div>\n

\u9280\u884c\u9ad4\u4fc2\u4ee5\u5916\u7684\u8cc7\u91d1\u4e0d\u53d7\u52a0\u62ff\u5927\u5b58\u6b3e\u4fdd\u96aa\u516c\u53f8\uff08CDIC\uff09\u7684\u4fdd\u969c\u3002.<\/strong>

\u5982\u679c\u9322\u5f9e\u672a\u5b58\u5165\u9280\u884c\u5e33\u6236\uff0c\u4fdd\u96aa\u5c31\u7121\u6548\u3002\u4e00\u9ede\u7528\u90fd\u6c92\u6709\u3002\u706b\u707d\u3001\u7aca\u76dc\u3001\u6c34\u707d\u3001\u6d2a\u6c34\u3001\u4eba\u70ba\u5931\u8aa4\u2014\u2014\u9019\u4e9b\u90fd\u4e0d\u5728\u627f\u4fdd\u7bc4\u570d\u5167\u3002\u800c\u4e14\uff0c\u5373\u4f7f\u662f\u8b39\u614e\u7684\u4eba\uff0c\u4e5f\u96e3\u514d\u6703\u9047\u5230\u9019\u4e9b\u610f\u5916\u3002.<\/p><\/div>\n

\u6c92\u6709\u4fe1\u7528\u8a18\u9304\u3002.<\/strong>

\u4e00\u4f4d\u5728\u52a0\u62ff\u5927\u751f\u6d3b\u4e86\u4e09\u5341\u5e74\u537b\u5f9e\u672a\u6b63\u78ba\u4f7f\u7528\u904e\u9280\u884c\u7cfb\u7d71\u7684\u7236\u6bcd\uff0c\u6c92\u6709\u4fe1\u7528\u8a18\u9304\u3002\u9019\u6703\u5f71\u97ff\u5230\u4ed6\u5011\u70ba\u5b6b\u5b50\u5973\u505a\u8cb8\u6b3e\u64d4\u4fdd\u3001\u7533\u8acb\u66f4\u512a\u60e0\u7684\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\uff0c\u6216\u7533\u8acb\u9700\u8981\u4fe1\u7528\u5be9\u67e5\u7684\u8001\u5e74\u516c\u5bd3\u3002.<\/p><\/div>\n

\u6c92\u6709\u7d19\u672c\u8a18\u9304\u7559\u7d66\u4e0b\u4e00\u4ee3\u3002.<\/strong>

\u7576\u7236\u6bcd\u767c\u751f\u610f\u5916\u2014\u2014\u800c\u610f\u5916\u7d42\u7a76\u6703\u767c\u751f\u2014\u2014\u5bb6\u4eba\u5c31\u5fc5\u9808\u627e\u5230\u6bcf\u4e00\u7b46\u5e33\u6236\u3001\u6bcf\u4e00\u7b46\u8cc7\u7522\u3001\u6bcf\u4e00\u5206\u9322\u3002\u8cc7\u7522\u8d8a\u5c11\u88ab\u7d0d\u5165\u8ca1\u52d9\u7cfb\u7d71\uff0c\u8981\u627e\u5c31\u8d8a\u56f0\u96e3\u3002\u6211\u89aa\u773c\u76ee\u7779\u4e00\u4e9b\u5bb6\u5ead\u56e0\u70ba\u7121\u4eba\u77e5\u66c9\u8a72\u5f9e\u4f55\u8655\u8457\u624b\uff0c\u800c\u5931\u53bb\u4e86\u672c\u8a72\u5c6c\u65bc\u4ed6\u5011\u7684\u9322\u8ca1\u3002.<\/p><\/div>\n

\u5931\u53bb\u7236\u6bcd\u662f\u4eba\u751f\u4e2d\u6700\u75db\u82e6\u7684\u7d93\u6b77\u4e4b\u4e00\u3002\u540c\u6642\uff0c\u9084\u8981\u5728\u832b\u7136\u7121\u63aa\u7684\u60c5\u6cc1\u4e0b\u8655\u7406\u4ed6\u5011\u7684\u8ca1\u52d9\u554f\u984c\uff0c\u9019\u7121\u7591\u8b93\u4e00\u5207\u96ea\u4e0a\u52a0\u971c\u3002\u4f46\u53ea\u8981\u505a\u597d\u5145\u5206\u7684\u6e96\u5099\uff0c\u4f60\u7684\u5bb6\u5ead\u5c31\u4e0d\u5fc5\u50cf\u6211\u5011\u8a31\u591a\u4eba\u4e00\u6a23\u832b\u7136\u5730\u9762\u5c0d\u9019\u4e00\u5207\u3002.<\/p><\/div>\n\n

\u5982\u4f55\u8207\u7236\u6bcd\u8ac7\u8ad6\u9019\u4ef6\u4e8b<\/h2>\n

\u9019\u624d\u662f\u96e3\u9ede\u3002\u4f60\u4e0d\u80fd\u62ff\u8457CDIC\u898f\u5247\u7684\u5370\u5237\u54c1\u9032\u53bb\u63ee\u821e\u3002\u4ed6\u5011\u4e09\u5341\u79d2\u5167\u5c31\u6703\u5931\u53bb\u8208\u8da3\uff0c\u800c\u4e14\u6703\u89ba\u5f97\u4f60\u5728\u8aaa\u6559\u3002.<\/p>\n

\u6839\u64da\u6211\u7684\u89c0\u5bdf\uff0c\u4ee5\u4e0b\u65b9\u6cd5\u901a\u5e38\u6709\u6548\uff1a<\/p>\n

\u9996\u5148\u8981\u540c\u610f\u4ed6\u5011\u7684\u89c0\u9ede\u3002.<\/strong>

\u544a\u8a34\u5abd\u5abd\u5979\u8b39\u614e\u7684\u505a\u6cd5\u662f\u5c0d\u7684\u3002\u544a\u8a34\u5979\u4f60\u7406\u89e3\u5979\u70ba\u4ec0\u9ebc\u9019\u9ebc\u505a\u2500\u2500\u56e0\u70ba\u5982\u679c\u4f60\u4ed4\u7d30\u60f3\u60f3\uff0c\u4f60\u78ba\u5be6\u80fd\u7406\u89e3\u3002\u76ee\u7684\u4e0d\u662f\u8981\u8b49\u660e\u5979\u662f\u932f\u7684\uff0c\u800c\u662f\u8981\u8b93\u5979\u7684\u8a08\u756b\u4e2d\u6709\u4e00\u5c0f\u584a\u9700\u8981\u6539\u9032\u3002.<\/p><\/div>\n

\u4e0d\u8981\u8b93\u5979\u642c\u8d70\u6240\u6709\u6771\u897f\u3002.<\/strong>

\u90a3\u611f\u89ba\u5c31\u50cf\u662f\u6295\u964d\u3002\u554f\u554f\u5979\u5c0d\u5176\u4e2d\u4e00\u90e8\u5206\u7684\u770b\u6cd5\u2500\u2500\u4e00\u90e8\u5206\u5979\u89ba\u5f97\u53ef\u4ee5\u63a5\u53d7\uff0c\u4e00\u90e8\u5206\u5979\u9858\u610f\u5617\u8a66\u3002\u5927\u591a\u6578\u5bb6\u9577\u5728\u540c\u610f\u6539\u8b8a\u6574\u500b\u7cfb\u7d71\u4e4b\u524d\uff0c\u90fd\u6703\u5148\u540c\u610f\u5c0f\u898f\u6a21\u5617\u8a66\u3002.<\/p><\/div>\n

\u4f7f\u7528\u5979\u5df2\u7d93\u7406\u89e3\u7684\u6bd4\u55bb\u3002.<\/strong>

\u9ad8\u5229\u606f\u5132\u84c4\u5e33\u6236\u662f\u4e00\u7a2e\u7279\u6b8a\u5e33\u6236\uff0c\u9280\u884c\u6703\u652f\u4ed8\u5229\u606f\u9f13\u52f5\u5979\u628a\u9322\u5b58\u9032\u53bb\u2014\u2014\u76ee\u524d\u6839\u64da\u9280\u884c\u548c\u5e33\u6236\u7684\u4e0d\u540c\uff0c\u6bcf\u5e74\u5229\u606f\u5f9e11\u5146\u523031\u5146\u4e0d\u7b49\u3002\u9019\u7b46\u9322\u7531\u653f\u5e9c\u63d0\u4f9b\u6700\u9ad810\u5146\u7684\u4fdd\u96aa\u3002\u5979\u53ef\u4ee5\u96a8\u6642\u53d6\u51fa\u3002\u9019\u7b46\u9322\u4e0d\u6703\u88ab\u9396\u5b9a\u3002\u9019\u4e0d\u662f\u80a1\u7968\u5e02\u5834\u6295\u8cc7\u3002\u4e5f\u4e0d\u662f\u8ced\u535a\u3002.<\/p><\/div>\n

\u7d66\u5979\u770b\u901a\u8ca8\u81a8\u8139\u7684\u8a08\u7b97\u7d50\u679c\u3002.<\/strong>

\u4e0d\u662f\u9577\u7bc7\u5927\u8ad6\uff0c\u800c\u662f\u4e00\u53e5\u8a71\uff1a\u201c\u5abd\u5abd\uff0c\u653e\u5728\u5bb6\u88e1\u7684\u9322\u6bcf\u5e74\u90fd\u5728\u6084\u6084\u8cb6\u503c\u3002\u54ea\u6015\u53ea\u662f\u628a\u4e00\u90e8\u5206\u8f49\u5230\u9019\u4e9b\u5e33\u6236\u88e1\uff0c\u4e5f\u80fd\u8b93\u5b83\u589e\u503c\u800c\u4e0d\u662f\u7e2e\u6c34\u3002\u201d<\/p><\/div>\n

\u8b93\u5979\u4fdd\u7559\u81ea\u5df1\u7684\u672c\u80fd\u3002.<\/strong>

\u5979\u4e0d\u9700\u8981\u6210\u70ba\u52a0\u62ff\u5927\u672c\u571f\u6295\u8cc7\u8005\u3002\u5979\u53ea\u9700\u8981\u5728\u91d1\u878d\u9ad4\u7cfb\u4e2d\u4f54\u6709\u4e00\u5e2d\u4e4b\u5730\uff0c\u9019\u6a23\u5c31\u80fd\u4fdd\u969c\u5bb6\u4eba\u7684\u5229\u76ca\uff0c\u907f\u514d\u7a4d\u84c4\u88ab\u901a\u8ca8\u81a8\u8139\u6162\u6162\u8836\u98df\u6b86\u76e1\u3002.<\/p><\/div>\n

\u6307\u5c0e\u5979\u5b8c\u6210\u9996\u6b21\u767b\u5165\u3002.<\/strong>

\u5750\u5728\u5979\u65c1\u908a\u3002\u5225\u8457\u6025\u3002\u9019\u8207\u5176\u8aaa\u662f\u9280\u884c\u696d\u52d9\uff0c\u4e0d\u5982\u8aaa\u662f\u4fe1\u4efb\u7684\u8003\u9a57\u3002.<\/p><\/div>\n\n

\u6211\u5011\u7236\u6bcd\u5efa\u9020\u4e86\u4ec0\u9ebc<\/h2>\n

\u5728\u7d50\u675f\u4e4b\u524d\uff0c\u6211\u60f3\u5148\u660e\u78ba\u8aaa\u660e\u4e00\u9ede\uff1a \u6211\u5011\u7684\u7236\u6bcd\u4e26\u975e\u611a\u8822\uff0c\u4ed6\u5011\u662f\u8654\u8aa0\u7684\u4fe1\u5f92\u3002<\/strong> \u2014\u2014\u9019\u662f\u4e00\u7a2e\u8b93\u9019\u500b\u5bb6\u5ead\u5728\u7d93\u6b77\u4e86\u6211\u5011\u6c38\u9060\u4e0d\u6703\u7d93\u6b77\u7684\u4e8b\u60c5\u5f8c\u5f97\u4ee5\u751f\u5b58\u4e0b\u4f86\u7684\u7b56\u7565\u3002.<\/p>\n

\u4ed6\u5011\u4ed4\u7d30\u6e05\u9ede\u73fe\u91d1\uff0c\u56e0\u70ba\u66fe\u7d93\u6709\u4eba\u5077\u4e86\u4ed6\u5011\u7684\u9322\u3002\u4ed6\u5011\u6301\u6709\u9ec3\u91d1\uff0c\u56e0\u70ba\u7d19\u5e63\u66fe\u7d93\u4e00\u6587\u4e0d\u503c\u3002\u4ed6\u5011\u5bc4\u9322\u56de\u5bb6\uff0c\u56e0\u70ba\u9060\u65b9\u6709\u4eba\u5728\u7b49\u3002\u4ed6\u5011\u5efa\u7acb\u4e00\u5957\u5099\u7528\u7cfb\u7d71\uff0c\u56e0\u70ba\u539f\u6709\u7684\u7cfb\u7d71\u66fe\u7d93\u8b93\u4ed6\u5011\u5931\u671b\u3002.<\/p>\n

\u6211\u5011\u7121\u9700\u63a8\u7ffb\u4ed6\u5011\u5efa\u7acb\u7684\u4e00\u5207\uff0c\u53ea\u9700\u66f4\u65b0\u5176\u4e2d\u7684\u4e00\u90e8\u5206\u3002\u5c07\u90e8\u5206\u7bc0\u7701\u4e0b\u4f86\u7684\u8cc7\u91d1\u6295\u5165\u5728\u9019\u500b\u570b\u5bb6\u771f\u6b63\u80fd\u5920\u514c\u73fe\u627f\u8afe\u7684\u9ad4\u7cfb\u4e2d\u3002\u81f3\u65bc\u4ed6\u5011\u5176\u4ed6\u7684\u667a\u6167\uff0c\u5c31\u8b93\u5b83\u7e7c\u7e8c\u767c\u63ee\u5176\u4e00\u8cab\u7684\u4f5c\u7528\u2014\u2014\u7167\u9867\u5bb6\u5ead\u3002.<\/p>\n

\u9019\u624d\u662f\u771f\u6b63\u503c\u5f97\u9032\u884c\u7684\u5c0d\u8a71\u3002 \u201c\u4f60\u932f\u4e86\u3002\u201d<\/em> \u53ea\u662f \u201c\u570b\u5bb6\u767c\u751f\u4e86\u8b8a\u5316\uff0c\u6211\u5011\u4e5f\u8981\u505a\u51fa\u76f8\u61c9\u7684\u8abf\u6574\u3002\u201d<\/em><\/p>\n

\u6211\u5011\u7684\u7236\u6bcd\u6703\u6c92\u4e8b\u7684\u3002\u53ea\u8981\u6709\u6b63\u78ba\u7684\u5f15\u5c0e\uff0c\u4f60\u7684\u5bb6\u4eba\u4e5f\u6703\u6c92\u4e8b\u7684\u3002.<\/p><\/div>\n <\/div>\n\n

\n \"Quang\n
\n

About the Author<\/p>\n

\u5149\u9ec3<\/h3>\n

Born in Canada to Vietnamese-Chinese parents. Founder of Landed Money \u2014 the financial guide I wish my mom had. Writing the immigrant money story in plain language, for newcomers and immigrant families in Canada.<\/p>\n Read my story \u2192<\/a>\n <\/div>\n <\/div>\n\n<\/article>","protected":false},"excerpt":{"rendered":"

Quang Huynh May 15, 2026 \u00b7 7 min read Educational only, not personal financial advice. Please speak to a licensed advisor for your specific situation. I remember being a kid and watching my mom count cash at the kitchen table. Bills smoothed flat, sorted by colour, counted twice. She’d write the number down somewhere only…<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[15],"tags":[37,30,33,31,35,29,32,36,34],"class_list":["post-400","post","type-post","status-publish","format-standard","hentry","category-banking","tag-1-5-generation","tag-banking-canada","tag-cdic","tag-chinese-canadian","tag-financial-literacy","tag-immigrant-parents","tag-newcomer-banking","tag-trust-banks","tag-vietnamese-canadian"],"yoast_head":"\nWhy Immigrant Parents Don't Trust Banks in Canada | Landed Money<\/title>\n<meta name=\"description\" content=\"Why did our immigrant parents keep cash instead of using banks? 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