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注册以跟踪理财规划师需要走得更远最后跟贴：注册以跟踪理财规划师需要走得更远在解决信心财务策划行业的危机将在周二开始时，企业监管机构推出了全国首个国家注册，跟踪理财规划师的第一步。这是整个行业的透明度，解除了良好的第一步，但还远远不够。这促使一些批评者认为该寄存器是一个创可贴解决方案，更大的烟幕或部分，以尽量减少，甚至大事化小，在这个行业的更深层次的问题。一个澳大利亚国民银行的举报人告诉澳大利亚金融评论寄存器强化了“路径阻力最小”的方式来处理这个问题。罗德克莱门特 “有太多的漏洞，最终用户解决方案的范围，可能会导致滥用，”他说。 “还有一个隐含的假设，即持牌人将及时时，他们应该和ASIC将及时作出反应，这是考虑建立行为至今不合理的假设，报告违规行为。” 类似的情绪是由CBA举报人杰夫·莫里斯说，谁该行业的问题不是规划师，甚至是“流氓”，但策划机构通过各种手段，公平或犯规鞭打产品的呼应。 “该规划只是在这场比赛而像典当责任出问题时被牺牲，因为他们经常做马前卒，”他说。更多消费者保护的必需寄存器，它会出现在澳大利亚证券和投资委员会的MoneySmart网站，不保护消费者免受机构“终止”或“移动的”流氓顾问没有通知监管机构或备案违反报告。也不去问题的心脏，这是矛盾的报酬。该寄存器不包括如何理财规划师支付。鉴于寿险产品仍然佣金为基础，并通过银行平衡计分卡报酬的工作人员，这些重要的资料和有关文件应附。它提出的问题，为什么联盟设置栏如此之低。它甚至没有跟随美国中央注册登记，其中包括每个规划师有更全面的就业历史的标准，从客户的其他业务活动和董事会和投诉的详细信息。登记和终止，包括细节，如顾问能否离开公司，他或她是否出院，获准辞职，终止，自愿或“其他”。澳大利亚新寄存器将包括顾问的名称，注册号，顾问的许可，工作经历（可追溯到五年）;任何禁令，取消资格或强制执行的承诺;而谁拥有金融服务牌照，其中包括最终母公司。在一个中央数据库提供这些信息将闪耀一盏灯理财规划师在这个国家的数量，有多少是独立的，有多少属于垂直整合模式。鉴于80％的顾问们直接授权给一个机构或由机构拥有的实体授权的份额，这为消费者提供了澄清，他们正在处理，建议的可能方向谁，谁的利益顾问很可能代表说，彼得·约翰斯顿，独立拥有金融专业人士协会常务理事。 “垂直整合模式的机构运作的唯一目的，就是关于房子的顾问在内部的产品销售给消费者，”他说。当学历和专业团体的会员包括从5月底，它将把目光对准顾问教育水平。目前基本RG146标准，有资格作为一个理财师可以采取少于八天才能完成的开卷，无监督的环境。寄存器是联盟的一个具有里程碑意义的参议院调查由马克主教主持，即要求一个皇家调查委员会CBA的理财规划师，揭露之后被举报人杰夫·莫里斯的不当行为，包括欺诈和管理覆盖了关键的回应。严重缺陷该联盟拒绝了大部分的建议和使用的寄存器作为灵丹妙药来解决一个行业，已经存在严重缺陷多年。在CBA多最近NAB最近的丑闻，显示出与寄存器一些严重的缺陷。如果机构悄然“终止”或流氓顾问“继续前进”的报告他们ASIC替代 - 或延误报告他们 - 客户不受保护。例如，CBA财务顾问斯图尔特·贾米森曾在CBA的理财规划师在西澳大利亚从2003年直到他2012年5月辞职，后几个月的银行展开了调查他。它提出了违反报告ASIC近18个月后。同时，他又加入其他三个操作。去年七月，财务策划协会终于收到举报的指控有些客户的签名伪造后赶了上来。在FPA展开了调查，并在一个月后开除他为会员。据报道他ASIC，谁被认为已经差不多一年前展开了调查。贾米森并没有被禁止，所以他会出现在登记册上的“清洁皮肤”为突破口报告不包括在登记册上。这就是为什么马克主教，谁已经从参议院退休，相信寄存器应该有规划的职业生涯历史的全部细节，包括所有的活动中，发生的任何违规行为，原因和后续影响。比全透明无外乎应该要求这一新兴行业。 “这不是一个或三个流氓规划师，但持续的系统性欺诈，”他说。 “牙齿需要给予ASIC然后到财务策划行业机构妥善警察自己的行业，没有什么不同，以律师和医生，会计师。” 马修·罗，胡德斯威尼的常务董事，也是热衷于清理工业和修复自己的形象。他说，金融服务生态系统需要有打电话不良行为的勇气的领导人。 “这是不可接受的流氓顾问被允许辞职，他们的雇主认为他们通过管理一个安静的退出成功。如果一个医生是不是安全和他们的同事知道他们损害的患者，他们根本就没有被允许继续 - 它将加以处理。」简单地说，ASIC需要红旗与违反报告提出。在过去的两年NAB已经“暂停，终止或保证辞职”37 NAB理财规划师和顾问对准由于利益冲突，不恰当的建议，不恰当的做法，或严重或重复违反合规性。它还确定了一些高收入者谁也终止，因为他们不符合文化。通过NAB公布举报人的内部文件说：“NAB财富有着悠久的历史，去终止高产顾问谁不适合其文化回到上世纪90年代，一些著名的例子包括：格雷姆·考伯（NAB理财规划，2010 ），终止文件的重建和违反合规性;尼克·辛克莱（加文，2012），提出由于利益涉及房地产开发冲突;以及劳瑞·奥尼尔（戈弗雷彭有限公司，2013年），在戈弗雷彭布罗克实践发展集团总裁由于持续的依从性差继续前进。“所有已联系并否认有任何不当行为。 ASIC已经证实，它正在调查NAB在规划者的“终止”，其处理，补偿的质量支付给受害人，并报告违规行为的及时性。 37多名规划师是“感动的”，八违反报告被提起。由于NAB丑闻上个月爆出，NAB财富首席执行官安德鲁Hagger曾表示，银行将通知ASIC每当财务顾问离开。这是值得称道的，但它只能帮助客户 - 和业界 - 如果ASIC行为上的信息，并采取对那些应得的执法行动。与野蛮削减ASIC的预算联盟，和正在缓慢行动的跟踪记录，这并不灌输在同一时间的信心时，成千上万的客户都需要依赖于合理的建议。 Register to track financial planners needs to go further The first step in addressing a crisis of confidence in the financial planning industry will begin on Tuesday when the corporate regulator launches the country's first national register to track financial planners. It is a good first step in lifting transparency across the industry, but does not go far enough. It has prompted some critics to suggest the register is a band-aid solution or part of a bigger smokescreen to minimise, indeed trivialise, the deeper problems in this industry. A National Australia Bank whistleblower told The Australian Financial Review the register reinforced the "path to least resistance" approach in dealing with the problem. Rod Clement "There are too many holes in the scope of the end-user solution and will likely give rise to abuse," he said. "There is also an implied assumption that licensees will promptly report breaches when they should and that ASIC will timely respond which are unreasonable assumptions given the established behaviour to date." Similar sentiments are echoed by CBA whistleblower Jeff Morris, who says the industry's problems are not about planners or even "rogue" planners but institutions flogging product by all means, fair or foul. "The planners are just the pawns in this game and like pawns liable to be sacrificed when things go wrong, as they frequently do," he said. MORE CONSUMER PROTECTION NEEDED The register, which will appear on the Australian Securities and Investment Commission's MoneySmart website, doesn't protect consumers from institutions "terminating" or "moving on" rogue advisers without notifying the regulator or filing a breach report. Nor does it go to the heart of the problem, which is conflicted remuneration. This register doesn't include how financial planners are paid. Given life insurance products are still commission-based and banks remunerate staff through a balanced scorecard, such important information and relevant documents should be attached. It raises questions why the Coalition set the bar so low. It didn't even follow the standards of the US Central Registration Depository, which includes a fuller employment history of each planner, details of other business activities and boards and complaints from customers. Registration and termination includes details such as whether an adviser leaves a company whether he or she was discharged, permitted to resign, terminated, voluntary or "other". The new Australian register will include the adviser's name, registration number, the adviser's licensee, employment history (dating back five years); any bans, disqualifications or enforceable undertakings; and who owns the financial services licence, including the ultimate parent company. This information available on a central database will shine a light on the number of financial planners in this country, how many are independent and how many belong to the vertically integrated model. Given 80 per cent of advisers are either licensed directly to an institution or licensed by an entity owned by the institutions, this gives consumers clarity on who they are dealing with, the likely direction of advice and whose interests the adviser is likely to represent, says Peter Johnston, executive director of the Association of Independently Owned Financial Professionals. "The sole purpose of the vertically integrated models institutions operate, is about in house advisers selling in house products to consumers," he says. When qualifications and membership of a professional body are included from the end of May, it will put the spotlight on adviser education levels. The current basic RG146 standard to qualify as a financial planner can take less than eight days to complete in an open-book, non-supervised environment. The register was the Coalition's key response to a landmark Senate inquiry chaired by Mark Bishop, which called for a royal commission into CBA's financial planning division, in the wake of revelations by whistleblower Jeff Morris of misconduct, including fraud and a management cover up. SERIOUSLY FLAWED The Coalition rejected most of the recommendations and used the register as the panacea to fix an industry that has been seriously flawed for years. Recent scandals at CBA and more lately NAB, show some serious flaws with the register. If institutions quietly "terminate" or "move on" rogue advisers instead of reporting them to ASIC – or delay reporting them – customers are not protected. For instance, CBA financial adviser Stuart Jamieson worked at CBA's financial planning division in Western Australia from 2003 until he resigned in May 2012, a few months after the bank launched an investigation into him. It filed a breach report to ASIC almost 18 months later. Meanwhile, he went on to join three other operations. Last July, the Financial Planning Association finally caught up with him after receiving a tip-off alleging forgery of some client signatures. The FPA launched an investigation and a month later expelled him as a member. It reported him to ASIC, who is believed to have launched an investigation almost a year ago. Jamieson has not been banned and so he would show up on the register as a "clean skin" as breach reports are not included on the register. It is why Mark Bishop, who has retired from the Senate, believes the register should have full details of the career history of planners, including all activities, any breaches that occur, the reasons and follow-up consequences. Nothing less than full transparency should be demanded of this emerging profession. "This isn't about one or three rogue planners but ongoing systemic fraud," he says. "Teeth need to be given to ASIC and then to the financial planning industry bodies to properly police their own industry, no different to lawyers and doctors and accountants." REPAIRING THE IMAGE Matthew Rowe, managing director of Hood Sweeney, is also passionate about cleaning up the industry and repairing its image. He says the financial services eco-system requires leaders that have the courage to call bad behaviour. "It is unacceptable that a rogue adviser is allowed to resign and their employer thinks they have succeeded by managing a quiet exit. If a doctor was not safe and their colleagues knew they were harming patients, they would simply not be allowed to continue – it would be dealt with." Put simply, ASIC needs red flags to be raised with breach reporting. In the past two years NAB has "suspended, terminated or ensured the resignations" of 37 NAB financial planners and aligned advisers due to conflicts of interest, inappropriate advice, inappropriate practices or serious or repeat compliance breaches. It also identifies some high-revenue earners who it terminated because they didn't fit the culture. An internal document released by an NAB whistleblower says: "NAB Wealth has a long history, going back to the 1990s, of terminating high-producing advisers who do not fit its culture. Some notable examples include: Graeme Cowper (NAB Financial Planning, 2010), terminated for file reconstruction and compliance breaches; Nick Sinclair (Garvan, 2012), moved on due to conflicts of interest involving property development; and Lawrie O'Neill (Godfrey Pembroke Limited, 2013), president of the Godfrey Pembroke Practice Development Group, moved on due to sustained poor compliance." All have been contacted and deny any wrongdoing. ASIC has confirmed it is investigating NAB over its handling of the "termination" of planners, the quality of the compensation paid to victims, and the timeliness of reporting breaches. Of the 37-plus planners it "moved on", eight breach reports were filed. Since the NAB scandal broke last month, NAB Wealth chief executive Andrew Hagger has said the bank will notify ASIC whenever a financial adviser departs. It is commendable but it can only help customers – and the industry – if ASIC acts on the information and takes enforcement action on those that deserve it. With savage cuts to ASIC's budget by the Coalition, and a track record of being slow to act, this doesn't instil confidence at a time when hundreds of thousands of customers need to depend on sound advice. http://www.afr.com/business/banking-and-finance/financial-services/register-to-track-financial-planners-needs-to-go-further-20150329-1ma8op 最后发表：悉尼毅哥	悉尼毅哥 2015-3-29 22:49	03701	悉尼毅哥 2015-3-29 22:49
[转帖}鲍勃·法雷尔（Bob Farrell）10条投资规则最后跟贴：本帖最后由 hu017 于 2015-4-7 09:04 编辑这套规则来自一位前华尔街策略师鲍勃·法雷尔（Bob Farrell），他曾倡导股票行情技术分析。法雷尔还开创新天地，使用投资者情绪指标以更好理解市场和个股的波动。　　1.随着时间的流逝，市场倾向于回归平均值。　　法雷尔提醒投资者，当股市在同一个方向走得太远时，它们倾向于回归到它们的长期趋势。　　2.在一个方向的极端将导致在另一个方向的极端。　　泡沫中的市场看起来准备破裂，但是它们设法延伸至无法认出的图形——并且仍然发现购买者。当泡沫破灭时，小心。相反地，自由落体的市场典型地反弹，犹如系上一根弹力线。　　3.没有任何新时代——过度永不会持久。　　这涉及到规则1和规则2。许多投资者抓住热点，但不久一种狂热构成“这次是不同的”。当然，它从来就不是。当该热点冷却时，散户通常是最后了解并卖在更低价。　　4.指数快速上涨或下跌的市场通常比你想象的走得更远，但它们不通过横向调整。　　这是法雷尔的名言，大众热点能保持很久，但当修正不可避免地发生时，将会猛烈下跌。　　5.公众在顶部买得最多而在底部则最少。　　买进股票的时机是当其他人恐惧时，而卖出则是当其他人得意时。相应地，许多市场技术人员使用情绪指标来衡量投资者的悲观或乐观，然后劝告投资者反其道而行之。　　6.恐惧和贪婪比长期决定要强。　　恐惧和贪婪可能是投资者最坏的敌人，特别是当情绪占了上峰时。要克服恐惧和贪婪，应实行自控。在下跌的市场，持币在手，以便你不会被诱惑，而代之以可便宜买进。　　7.当市场大多数股票（或板块）都有表现时，市场最强；而仅少数蓝筹股有表现时，则市场最弱。　　法雷尔说，有了数量可观的可操纵力量，强大的市场动能是难以停止的。相反地，当资金渠道成条浅流，许多吸引人的公司被忽视，因为投资大众被挤到船的一边。　　8.熊市有三个阶段。　　尖锐下跌、反弹和持续很久的基本下降趋势。　　9.当所有的专家和预测一致时，别的事情要发生了。　　像法雷尔再三建议的，与大众相反相当有利可图，特别是对于耐心的买家，他们可在泡沫市场提出现金，而当情绪最坏时再投资于市场。　　10.牛市比熊市更有趣。最后发表：hu017	hu017 2015-3-28 09:32	03822	hu017 2015-3-28 09:32
请推荐super公司，谢谢！最后跟贴： 1212qwe 发表于 2015-3-26 11:32 SUPER都一样的只有差和更差那就挑个差的最后发表：Susan85005 ...2	vichybaby 2014-10-27 11:56	355443	Susan85005 2015-3-27 20:09
收到寄来的check怎么换成钱最后跟贴：直接去银行吧~ 最后发表：吃不饱小姐	freejoy 2015-3-27 12:59	182514	吃不饱小姐 2015-3-27 15:20
澳新债券最后跟贴：土豪买国债啊？？？收益比银行利息高吗？最后发表：天天天蓝123	chenlocus 2015-3-27 09:56	11344	天天天蓝123 2015-3-27 10:13
墨尔本万通信贷怎么样？最后跟贴：刚刚打了一个电话给这家,一个女的接的,服务态度刷新了我来澳洲这几年所见到的的下限最后发表：gravercc48	Momotaba 2011-12-15 22:27	137972	gravercc48 2015-3-27 09:56
关于ANZ信用卡免年费的问题最后跟贴：有在ANZ工作或者做broker的同学，可以帮忙申请ANZ信用卡，然后免年费吗？或者免第一年年费也行？另，如果免第一年年费，那开卡之后一年之内可以取消账户吗？有任何费用吗？谢谢！最后发表：scorpionzn	scorpionzn 2015-3-27 09:17	02015	scorpionzn 2015-3-27 09:17
Facebook credits 650-543-7818 fraud骗钱最后跟贴： angelashu 发表于 2015-3-26 17:39 今天早上就给NAB打电话了，给了reference no，他们会退钱给我。只是好奇这个银行会作出烂帐还是会追踪呢 ... 银行要怎么做就不清楚了，可能会追踪，追踪不到只能算烂账了吧最后发表：animal_911	angelashu 2015-3-25 19:08	51710	animal_911 2015-3-26 23:13
有人知道HSBC Sunnybank的电话号码吗？最后跟贴：请问有人知道sunnybank HSBC的电话号码吗？在网上只查到了1300客服的电话。谢谢啦！最后发表：maggiet	maggiet 2015-3-26 20:10	01262	maggiet 2015-3-26 20:10
请教一下银行问题最后跟贴：现在的情况是小偷比我的证件还多，我们全家的护照也都在他手里。最后发表：amy420	amy420 2015-3-26 12:06	31369	amy420 2015-3-26 12:33
... 最后跟贴：澳洲只要申报一切随便，网站上也说没有硬性限制，只要你能带出中国就行最后发表：lineker048 ...2	啊笨 2015-3-18 15:07	303675	lineker048 2015-3-26 09:32
操作失误把1W刀转错了最后跟贴： Jemini 发表于 2015-3-25 20:30 搭车问如果转错给别人，比如名字对了，但是账号写错这种情况银行不检查名字，只看账号。不懂耶最后发表：sunnyclh1211	xxqqxx89 2015-3-20 22:19	243059	sunnyclh1211 2015-3-25 22:18
糊涂了，删贴，谢谢。最后跟贴：本帖最后由一辉于 2015-3-26 05:21 编辑 rt 最后发表：一辉	一辉 2015-3-25 20:02	0978	一辉 2015-3-25 20:02
国内亲戚想在澳洲买理财产品最后跟贴：最后发表：lczxbbmm	monicamonica 2015-3-9 10:36	272748	lczxbbmm 2015-3-25 13:58
Deposit Bond 最后跟贴：不知道帮忙顶最后发表：zsd56703621	icac 2015-3-25 08:43	11209	zsd56703621 2015-3-25 12:58
找到答案了谢谢大家最后跟贴：谢谢大家的忠告，想别的法子去了最后发表：jlovesd18	jlovesd18 2015-3-25 08:22	161599	jlovesd18 2015-3-25 08:43
丛信用卡账户transfer fund到现金账户是有手续费的吧？最后跟贴：没有手续费，但从转钱当天开始收利息，没有免息期，利率一般20%+吧最后发表：bluesknight	crystal08418 2015-3-24 18:46	11123	bluesknight 2015-3-24 19:37
me bank的在线帐目怎么看不懂啊？最后跟贴：最后发表：longhlhl	agrinmote 2015-3-23 23:13	31177	longhlhl 2015-3-24 09:33
ING DIRECT 出了没有管理费的 Super 最后跟贴：关注!!! 最后发表：sz2008 ...2	ayuanx 2013-3-19 11:45	539286	sz2008 2015-3-23 22:39
开养老金账户问题最后跟贴：MARK 最后发表：cici215	duoduo725 2012-10-17 20:42	52572	cici215 2015-3-23 10:20
请知道的同学说说MySuper吧？最后跟贴： alfredbird 发表于 2014-6-3 18:54 https://oursteps.co/forum.php?mod=viewthread&tid=882382&extra=page%3D1 推销一下自己的 ... 看了https://www.youtube.com/watch?v=_1Jfi1R_JvQ 但还没完全弄明白怎么回事最后发表：agrinmote	juliez 2013-12-5 12:03	162726	agrinmote 2015-3-23 00:18
virtual visa的问题最后跟贴：我有一个virtual visa卡，买保险时送的，说是在网上能用visa卡的都能用，但昨天在某澳洲团购网站买东西时，却不能用，被拒绝了。我肯定已经activate了，有人有用过吗？到底哪些网站可以用啊？谢谢大家啦最后发表：velamoon	velamoon 2015-3-22 15:44	01034	velamoon 2015-3-22 15:44
外汇买卖，哪个银行在线平台好？最后跟贴：澳洲的银行，点差太大，没法做的。中国的银行，买入和卖出价跟市场中间价差不多，也没有手续费，只不过每年5万美元可能不够用。最后发表：kmp	高大上 2015-3-17 19:43	151712	kmp 2015-3-21 21:59
中国的信用卡在澳洲消费最后跟贴：最后发表：mary3-ma ...2	liaotang 2015-3-12 20:52	344668	mary3-ma 2015-3-20 21:46
关于family trust 的详情最后跟贴：学习了最后发表：Yuanrunxia	辛卯兔 2013-11-16 23:14	103213	Yuanrunxia 2015-3-20 17:35
citibank信用卡被盗用了最后跟贴：can we have the option to set up email alert for any amount over $100? 最后发表：Ozquest	maya 2015-3-20 08:29	41560	Ozquest 2015-3-20 09:39
老年痴呆了，ATM机上提款，居然忘了拿最后跟贴：老话说破财挡灾最后发表：xh ...2 3 4	阿娇 2015-3-17 19:43	1049409	xh 2015-3-19 21:20
澳洲的农业相关股票大幅上涨，几乎翻倍，有人发现了吗？最后跟贴： 2009annie 发表于 2015-3-19 18:06 介绍几只农业股吧 IPL 最后发表：WACT	WACT 2015-3-13 20:32	31509	WACT 2015-3-19 17:25
公司要给一点股票，有人说用family Trust 下面的PTY LTD 能保护权益，是这样吗？最后跟贴：张翠花发表于 2015-3-19 14:41 再次感谢Lenny会计师，能再问一个问题吗？如果在个人名下买了股票，以后再转到信托，涉及到那些费用？ ... 印花税不太清楚，维州是不需要的新洲好像需要的 CGT如果升值了肯定也要交的最后发表：LENNY_DONG	张翠花 2015-3-17 11:36	61714	LENNY_DONG 2015-3-19 14:44
想把一些澳币换成美金，哪家银行汇率比较划算啊？最后跟贴：同问~~ 最后发表：kidd	napolian 2015-3-3 21:25	51487	kidd 2015-3-19 13:15
银联ATM澳洲取现是可以国内直接存入澳币吗？最后跟贴：存人民币，一天2000，有手续费最后发表：tkhxila	chelle 2015-1-17 09:48	192536	tkhxila 2015-3-19 11:50
从澳大利亚的银行，汇澳大利亚元，到中国的银行，有什么途径比较经济？最后跟贴： kmp 发表于 2015-3-19 01:04 貌似只有两个选项，一个是0，一个是2000。到银行去申请提高额度，手续费不变最后发表：icomm	kmp 2015-3-18 18:17	81588	icomm 2015-3-19 09:14
请问利率和股票的长期走向的关系最后跟贴： memsgg 发表于 2015-3-18 18:34 多谢你的回复，可是我想问的是利率和股市大盘走势的关系，不是个别的公司。 ... 我说了啊，我再进一步简单来说，如果下月头一个周二储备银行宣布下调利率，当即大盘会立马上扬，乃至其后几天，大盘的基本面就是各个公司的股票交易汇总，这就是我给你说的利率调低后，各大公司的负担的利息降低，他们的利润额度会增长，对于各家的股指都有很强的推动作用，而这一刺激持续在大盘基本面不会太久，事后还是要看各家公司自己的业绩表现和增长潜质，这就和长期大盘走势挂钩了，说明利率的作用不会推动那么久。最后发表：Sunnist	memsgg 2015-3-18 15:43	41398	Sunnist 2015-3-18 21:13
宝宝教育帳户最后跟贴： dragonballz 发表于 2015-3-18 14:37 ATO rules says any annual income >$476 of people 这么看来，这个账户一点意思都没有啊。存钱习惯也未必这样就能培养。最后发表：agrinmote	babycow 2014-12-20 05:57	212988	agrinmote 2015-3-18 15:12
求问: 什么东西在房价涨的时候价格低，在房价崩盘的时候价格高？黄金是这样的吗？最后跟贴：大牛哥发表于 2015-3-18 16:10 房租不开玩笑，真是这样的。房屋买卖市场好的时候，租房市场就差，基本就是承租方市场，买家说了 ... 总结到位最后发表：tinaking666999	商务车 2015-3-17 21:40	101590	tinaking666999 2015-3-18 15:11
已删除最后跟贴：放一天在手上就少几百最后发表：弗兰奇	600894763829461 2015-1-23 20:19	61787	弗兰奇 2015-3-18 14:54
Joint account咨询最后跟贴：几家大银行没区别...这事儿真没必要操心... 最后发表：rocky_oye	hgchaoren120 2015-3-17 18:16	21761	rocky_oye 2015-3-17 20:39
如何把国内银行卡里的人民币在澳洲使用最后跟贴：办个没手续费的澳元信用卡，慢慢花着，用人民币还最后发表：midorixyj	wilmashui 2015-2-27 13:00	21476	midorixyj 2015-3-17 19:27
不同银行之间支票转账需要几个工作日最后跟贴：可以办加急， 24 到48小时CLEAR, 通常第二天就到账了，但要付费WESTPAC是16刀，叫special answer 最后发表：summerlover	wshjw 2015-3-7 23:13	31253	summerlover 2015-3-17 18:56
紧急求助：国内的银行银联的澳币账户在墨尔本可以直接在atm取款吗？最后跟贴：本帖最后由廉武士于 2015-3-17 19:51 编辑不可以。如果银联卡里有人民币，可以在本地ATM取出澳元,按当天银联的汇率直接转换。汇率参考这个帖子：http://www.oursteps.com.au/bbs/f ... amp;&tid=471195 但是如果帐户里是外币，则不可以。因为你的银联卡是人民币银联卡，在境外交易只能通过人民币帐户交易。最后发表：廉武士	ray_xyl 2015-2-28 21:24	122093	廉武士 2015-3-17 18:49