chujizhenyiwai，canbaorenyuanbixuxianbanliyidijiuyibeianshouxu，suofashengdeyidijiuyifeiyongcainengzhijiejiesuanhuobaoxiao。yidijiuyifeiyongyouyixialiangzhongjiesuanfangshi:
1、zhijiejiesuan: canbaorenchijiangsushengtongyishehuibaozhangka（yixiajiancheng“shehuibaozhangka”）zaiyidijiuyilianwangyiliaojigoujiuyishi，kezhijiejiesuan。yiliaofeiyongzhongyingyougerenchengdandebufen，yougerenzhijiexianjinzhifuhuogerenzhanghuzhifu，yingyouyibaotongchoujijinzhifubufen，youyibaojingbanjigouyuyiyuanjiesuan。
2、xiandianfuhoubaoxiao: canbaorenxianzijiquanedianfuyiliaofeiyong，zaipingjibingzhenduanzhengming、feiyongfapiaodengzaicanbaodiyibaojingbanjigoubaoxiao。