使用PayPal的一些注意事项

huazhang · #1 2006-05-18, 02:42 PM

（1）私人账户（Personal Account）只可接受非信用卡支付，无手续费，但不能接受Creditcard Payment；只有高级/商业账户（Premier/Business Account）才可以接受credit card的付款，需要支付大约3%的手续费。

（2）关于使用Paypal的经验和预防措施：

很多朋友天天在问我Paypal的事情，今天有幸和Paypal专门管理安全事务的部门经理交谈了一个小时。提到了几个问题，希望大家知道。

提问：中国客户如何开立美国帐户？
回答：只能携带带有美国签证的护照，美国固定住所证明和安全保障号到各银行去开户。

提问：中国人的帐户特别容易被冻结，这是什么原因？
回答：首先冻结帐户是我们系统发现的，我们的系统对每笔交易都要复查是否符合规定而解冻帐户是人工的。

提问：请您列举中国人被冻结是什么原因？
回答：凡不符合规定的都会被冻结，不仅限制于中国人，只不过中国人的以下错误犯得最多：
1，添加美国非本人银行帐户
2，非拍卖和销售的转钱
3，开有2个以上帐户的
4，信息令人怀疑的
5，有客户指控出售伪劣商品的
6，不符合拍卖网站规定的商品
7，异地交易的
8，帐户共享的

提问：我有个帐户被冻结了，是否可以再开一个重新做？
回答：不行，我们的系统会在一段时间内识别，并冻结新帐户。

提问：当出现问题是否都必须要打电话？
回答：打电话不是最好的办法，最好的办法是传真材料和说明。

（3）Paypal对哪些行为是要强制关闭的：

有位卡友英语很好，翻译了一篇Paypal对哪些行为是要强制关闭的官方规定，希望对大家有帮助，翻译人是：易豫先生

Closing Accounts and Limiting Account Access
帐户的关闭及冻结

In general. In addition to the rights laid out in section 7.2 of the User Agreement, PayPal, at its sole discretion, also reserves the right to limit access to sending money or making withdrawals from an account for any one of the events listed below.
通常地，除了《用户协议》7.2部分所罗列的权利之外，某一个PAYPAL账户若出现如下列举的任何情况之一，PAYPAL亦有权依据自身之判断，冻结其使用汇款及抽款的功能。

If your Account Access is Limited. If the dispute covers only a specific transaction, we will only limit access to funds related to that particular transaction.
如果您的账户被冻结，若争议仅限于某一项交易，我方将仅仅对与该项交易有关的金额给予冻结。

If your account access has been limited, you will be notified by e-mail and requested to provide information relevant to your account. PayPal will investigate the matter promptly.
如果您的账户已被冻结，PAYPAL将通过电子邮件通知您，并要求您提供与您账户相关的信息材料。我方会迅速地对事件展开调查。

If the investigation is in your favor, we will restore access to your account. If the investigation is not in your favor, PayPal may return funds to the sender and restore access to the remainder of your account, continue to limit your account access for up to 180 days as is necessary to protect PayPal against the risk of reversals, or may close your account by giving you notice and mailing a check for any funds in your account (minus funds that are in dispute) to the address that you have provided.
如若调查结果对贵方有利，我方将恢复您的账户。
如若调查结果于贵方不利，PAYPAL会将钱返还给汇款人，并将贵方账户中的余额解冻。PAYPAL为防范撤款风险，将继续冻结贵方账户180天，或者会关闭您的账户，然后通知贵方。并且将贵方账户中的全部钱款（减去有争议的金额）写支票邮寄到您所提供的地址。

If you are later determined to be entitled to the funds in dispute, PayPal will make an additional payment of those funds to you. Any of the following events may lead to your account being limited:
假若之后证明您有权获得那部分有争议的款项，PAYPAL将会把那笔钱另外付给您。
若出现如下任何一种情况，都会导致您的账户被冻结：

Reports of unauthorized or unusual credit card use associated with the account including, but not limited to, notice by the card issuing bank. This includes notices made by you to your credit card company that a transaction was unauthorized or your account compromised, and is done in order to protect you from further unauthorized use of your card;
与您PAYPAL账户关联的信用卡一经发现未予授权或者有异常情况（包括但不限于发卡行通知，包含您通知您的信用卡公司有笔交易未授权或者您的账户受到威胁，以及做出通知以避免您的信用卡被进一步滥用）

Reports of unauthorized or unusual bank account use associated with the account;
发现您PAYPAL账户使用未授权或者情况异常的银行账号。

Abuse by a buyer of the reversal process provided by the buyer's issuing bank;
买方发卡行做出撤销处理导致买方投诉。

Consistent failure to pursue the Buyer Complaint Process described below before pursuing any alternate reversal process provided by the buyer's issuing bank;
多次通知Paypal进行拒付的买家。

Complaints received regarding non-shipment of merchandise, non-delivery of services, merchandise not as described, or problems with merchandise shipped;
收到如下投诉：未交货，未提供服务，商品与描述不符，或者商品到货后存在严重问题。

Initiation by a buyer of a reversal process through the buyer's issuing bank without first pursuing the Buyer Complaint process described below;
任何在没有通知Paypal的情况下先行向发卡行提出拒付请求的。

Receipt of potentially fraudulent funds;
收到有可能是赃款的汇款（编者语：一般异地交易；个人间转帐被封闭的适用此条，因此个人间转帐一般只适用于真实拍卖中，并提交可查询的运单和发票，而且不可以是经常性的）；

Excessive disputes or reversals, or attempts to "double dip" by receiving funds in a dispute both from PayPal and through a reversal or a refund from the seller;
过分争议或者撤款，或者试图通过从PAYPAL借助撤款或者要求卖方退款方式重复取钱；

Refusal to cooperate in an investigation or provide confirmation of identity when requested;
当要求提供身份确认资料以便调查时，拒绝配合；

Initiation of transactions considered to be cash advances or assisting in cash advances(not including the use of the PayPal debit card);
加入或者交易被发现有套现或者协助套现的行为（不包含PAYPAL借记卡的使用）；（编者语：注意！买卖Paypal余额的往往违反该条款）

Sending unsolicited email or posting referral links on websites where they are not permitted;
随意发送垃圾邮件或者在未经许可的网站上留下链接；

Opening multiple Personal accounts;
开多个个人账户；

The account has been used in or to facilitate fraudulent activity;
账户被用于欺诈行为或者协助欺诈行为；

Violations of this User Agreement;
触犯《用户守则》；

Name on the bank account associated with the PayPal account does not match the name on the PayPal account;
与PAYPAL账号连接的银行账户上的姓名和PAYPAL账号上的姓名不相符；

Return of an incoming Electronic Funds Transfer for insufficient funds in the bank account, incorrect bank routing number, or incorrect bank account number;
引入的电子货币转账时银行账户内资金不足，以及不正确的银行交换号（routing number），或者错误的银行账号。

Use of an anonymizing proxy;
使用代理服务器。

Participating in prohibited transactions and activities, including but not limited to multi-level marketing programs, gifting clubs and other pyramid schemes, and listing items for sale that have a delayed delivery date of 20 days or more after the transaction list, and other activities that are prohibited in Part II of this Agreement;
加入了禁止的交易及活动，包括但不仅限于：多层次市场运营、廉价赠予俱乐部和他金字塔式的营销计划（注：类似于我们所说的“传销”），以及在网上售卖商品时自交易之日起拖延交货达20天以上，以及其他本章程第二部分所禁止的活动。

Reports from credit agencies of a high level of risk;
从信用卡机构得知存在信用高风险。

Receipt by PayPal of excessive complaints regarding your account, business or service; and/or
PAYPAL收到的投诉是关于您的商品交易或者（并且）服务。

Logging in from a country not included on PayPal's permitted countries list.
自PAYPAL许可国名单之外的国家登录。

PayPal will use reasonable efforts to investigate accounts that are subject to account access limitations and to reach a final decision on the limitations promptly.
PAYPAL将竭尽可能地对冻结之账户进行调查，并迅速做出最终处理。

（转自大陆信用卡之窗，原作者猪八戒先生）

lunn · #2 2006-05-23, 02:58 PM

这是个好东西

我在使用paypal收款的时候
也因为没有看仔细而花了冤枉钱

heybye · #3 2006-05-23, 04:15 PM

相當不錯的轉帖，非常感謝~~~~

csdung · #4 2006-11-05, 11:02 AM

引用:

作者: huazhang

（1）私人账户（Personal Account）只可接受非信用卡支付，无手续费，但不能接受Creditcard Payment；只有高级/商业账户（Premier/Business Account）才可以接受credit card的付款，需要支付大约3%的手续费。

（2）关于使用Paypal的经验和预防措施：

很多朋友天天在问我Paypal的事情，今天有幸和Paypal专门管理安全事务的部门经理交谈了一个小时。提到了几个问题，希望大家知道。

提问...

---------------------------------
相當不錯的轉帖,
感恩阿!

yarkshow · #5 2008-05-25, 12:15 AM

3%的话怎么仅19美元就收掉1.34？

juebufangguoni · #6 2009-06-11, 09:37 PM

引用:

作者: huazhang

（1）私人账户（Personal Account）只可接受非信用卡支付，无手续费，但不能接受Creditcard Payment；只有高级/商业账户（Premier/Business Account）才可以接受credit card的付款，需要支付大约3%的手续费。

（2）关于使用Paypal的经验和预防措施：

很多朋友天天在问我Paypal的事情，今天有幸和Paypal专门管理安全事务的部门经理交谈了一个小时。提到了几个问题，希望大家知道。

提问：中国客户如何开立美国帐户？
回答：只能携带带有美国签证的护照，美国固定住所证明和安全保障号到各银行去开户。

提问：中国人的帐户特别容易被冻结，这是什么原因？
回答：首先冻结帐户是我们系统发现的，我们的系统对每笔交易都要复查是否符合规定而解冻帐户是人工的。

提问：请您列举中国人被冻结是什么原因？
回答：凡不符合规定的都会被冻结，不仅限制于中国人，只不过中国人的以下错误犯得最多：
1，添加美国非本人银行帐户
2，非拍卖和销售的转钱
3，开有2个以上帐户的
4，信息令人怀疑的
5，有客户指控出售伪劣商品的
6，不符合拍卖网站规定的商品
7，异地交易的
8，帐户共享的

提问：我有个帐户被冻结了，是否可以再开一个重新做？
回答：不行，我们的系统会在一段时间内识别，并冻结新帐户。

提问：当出现问题是否都必须要打电话？
回答：打电话不是最好的办法，最好的办法是传真材料和说明。

（3）Paypal对哪些行为是要强制关闭的：

有位卡友英语很好，翻译了一篇Paypal对哪些行为是要强制关闭的官方规定，希望对大家有帮助，翻译人是：易豫先生

Closing Accounts and Limiting Account Access
帐户的关闭及冻结

In general. In addition to the rights laid out in section 7.2 of the User Agreement, PayPal, at its sole discretion, also reserves the right to limit access to sending money or making withdrawals from an account for any one of the events listed below.
通常地，除了《用户协议》7.2部分所罗列的权利之外，某一个PAYPAL账户若出现如下列举的任何情况之一，PAYPAL亦有权依据自身之判断，冻结其使用汇款及抽款的功能。

If your Account Access is Limited. If the dispute covers only a specific transaction, we will only limit access to funds related to that particular transaction.
如果您的账户被冻结，若争议仅限于某一项交易，我方将仅仅对与该项交易有关的金额给予冻结。

If your account access has been limited, you will be notified by e-mail and requested to provide information relevant to your account. PayPal will investigate the matter promptly.
如果您的账户已被冻结，PAYPAL将通过电子邮件通知您，并要求您提供与您账户相关的信息材料。我方会迅速地对事件展开调查。

If the investigation is in your favor, we will restore access to your account. If the investigation is not in your favor, PayPal may return funds to the sender and restore access to the remainder of your account, continue to limit your account access for up to 180 days as is necessary to protect PayPal against the risk of reversals, or may close your account by giving you notice and mailing a check for any funds in your account (minus funds that are in dispute) to the address that you have provided.
如若调查结果对贵方有利，我方将恢复您的账户。
如若调查结果于贵方不利，PAYPAL会将钱返还给汇款人，并将贵方账户中的余额解冻。PAYPAL为防范撤款风险，将继续冻结贵方账户180天，或者会关闭您的账户，然后通知贵方。并且将贵方账户中的全部钱款（减去有争议的金额）写支票邮寄到您所提供的地址。

If you are later determined to be entitled to the funds in dispute, PayPal will make an additional payment of those funds to you. Any of the following events may lead to your account being limited:
假若之后证明您有权获得那部分有争议的款项，PAYPAL将会把那笔钱另外付给您。
若出现如下任何一种情况，都会导致您的账户被冻结：

Reports of unauthorized or unusual credit card use associated with the account including, but not limited to, notice by the card issuing bank. This includes notices made by you to your credit card company that a transaction was unauthorized or your account compromised, and is done in order to protect you from further unauthorized use of your card;
与您PAYPAL账户关联的信用卡一经发现未予授权或者有异常情况（包括但不限于发卡行通知，包含您通知您的信用卡公司有笔交易未授权或者您的账户受到威胁，以及做出通知以避免您的信用卡被进一步滥用）

Reports of unauthorized or unusual bank account use associated with the account;
发现您PAYPAL账户使用未授权或者情况异常的银行账号。

Abuse by a buyer of the reversal process provided by the buyer's issuing bank;
买方发卡行做出撤销处理导致买方投诉。

Consistent failure to pursue the Buyer Complaint Process described below before pursuing any alternate reversal process provided by the buyer's issuing bank;
多次通知Paypal进行拒付的买家。

Complaints received regarding non-shipment of merchandise, non-delivery of services, merchandise not as described, or problems with merchandise shipped;
收到如下投诉：未交货，未提供服务，商品与描述不符，或者商品到货后存在严重问题。

Initiation by a buyer of a reversal process through the buyer's issuing bank without first pursuing the Buyer Complaint process described below;
任何在没有通知Paypal的情况下先行向发卡行提出拒付请求的。

Receipt of potentially fraudulent funds;
收到有可能是赃款的汇款（编者语：一般异地交易；个人间转帐被封闭的适用此条，因此个人间转帐一般只适用于真实拍卖中，并提交可查询的运单和发票，而且不可以是经常性的）；

Excessive disputes or reversals, or attempts to "double dip" by receiving funds in a dispute both from PayPal and through a reversal or a refund from the seller;
过分争议或者撤款，或者试图通过从PAYPAL借助撤款或者要求卖方退款方式重复取钱；

Refusal to cooperate in an investigation or provide confirmation of identity when requested;
当要求提供身份确认资料以便调查时，拒绝配合；

Initiation of transactions considered to be cash advances or assisting in cash advances(not including the use of the PayPal debit card);
加入或者交易被发现有套现或者协助套现的行为（不包含PAYPAL借记卡的使用）；（编者语：注意！买卖Paypal余额的往往违反该条款）

Sending unsolicited email or posting referral links on websites where they are not permitted;
随意发送垃圾邮件或者在未经许可的网站上留下链接；

Opening multiple Personal accounts;
开多个个人账户；

The account has been used in or to facilitate fraudulent activity;
账户被用于欺诈行为或者协助欺诈行为；

Violations of this User Agreement;
触犯《用户守则》；

Name on the bank account associated with the PayPal account does not match the name on the PayPal account;
与PAYPAL账号连接的银行账户上的姓名和PAYPAL账号上的姓名不相符；

Return of an incoming Electronic Funds Transfer for insufficient funds in the bank account, incorrect bank routing number, or incorrect bank account number;
引入的电子货币转账时银行账户内资金不足，以及不正确的银行交换号（routing number），或者错误的银行账号。

Use of an anonymizing proxy;
使用代理服务器。

Participating in prohibited transactions and activities, including but not limited to multi-level marketing programs, gifting clubs and other pyramid schemes, and listing items for sale that have a delayed delivery date of 20 days or more after the transaction list, and other activities that are prohibited in Part II of this Agreement;
加入了禁止的交易及活动，包括但不仅限于：多层次市场运营、廉价赠予俱乐部和他金字塔式的营销计划（注：类似于我们所说的“传销”），以及在网上售卖商品时自交易之日起拖延交货达20天以上，以及其他本章程第二部分所禁止的活动。

Reports from credit agencies of a high level of risk;
从信用卡机构得知存在信用高风险。

Receipt by PayPal of excessive complaints regarding your account, business or service; and/or
PAYPAL收到的投诉是关于您的商品交易或者（并且）服务。

Logging in from a country not included on PayPal's permitted countries list.
自PAYPAL许可国名单之外的国家登录。

PayPal will use reasonable efforts to investigate accounts that are subject to account access limitations and to reach a final decision on the limitations promptly.
PAYPAL将竭尽可能地对冻结之账户进行调查，并迅速做出最终处理。

（转自大陆信用卡之窗，原作者猪八戒先生）

可否问下楼主如果发现被骗，应该向那个邮箱或者网站投诉，要求冻结账户呢？

比如儿媳这个账户是PAPAL
dyoshida@aol.com

jonhy63 · #7 2009-06-12, 08:28 AM

不錯的轉貼信，感謝

引用:

作者: huazhang

（1）私人账户（Personal Account）只可接受非信用卡支付，无手续费，但不能接受Creditcard Payment；只有高级/商业账户（Premier/Business Account）才可以接受credit card的付款，需要支付大约3%的手续费。

（2）关于使用Paypal的经验和预防措施：

很多朋友天天在问我Paypal的事情，今天有幸和Paypal专门管理安全事务的部门经理交谈了一个小时。提到了几个问题，希望大家知道。

提问：中国客户如何开立美国帐户？
回答：只能携带带有美国签证的护照，美国固定住所证明和安全保障号到各银行去开户。

提问：中国人的帐户特别容易被冻结，这是什么原因？
回答：首先冻结帐户是我们系统发现的，我们的系统对每笔交易都要复查是否符合规定而解冻帐户是人工的。

提问：请您列举中国人被冻结是什么原因？
回答：凡不符合规定的都会被冻结，不仅限制于中国人，只不过中国人的以下错误犯得最多：
1，添加美国非本人银行帐户
2，非拍卖和销售的转钱
3，开有2个以上帐户的
4，信息令人怀疑的
5，有客户指控出售伪劣商品的
6，不符合拍卖网站规定的商品
7，异地交易的
8，帐户共享的

提问：我有个帐户被冻结了，是否可以再开一个重新做？
回答：不行，我们的系统会在一段时间内识别，并冻结新帐户。

提问：当出现问题是否都必须要打电话？
回答：打电话不是最好的办法，最好的办法是传真材料和说明。

（3）Paypal对哪些行为是要强制关闭的：

有位卡友英语很好，翻译了一篇Paypal对哪些行为是要强制关闭的官方规定，希望对大家有帮助，翻译人是：易豫先生

Closing Accounts and Limiting Account Access
帐户的关闭及冻结

In general. In addition to the rights laid out in section 7.2 of the User Agreement, PayPal, at its sole discretion, also reserves the right to limit access to sending money or making withdrawals from an account for any one of the events listed below.
通常地，除了《用户协议》7.2部分所罗列的权利之外，某一个PAYPAL账户若出现如下列举的任何情况之一，PAYPAL亦有权依据自身之判断，冻结其使用汇款及抽款的功能。

If your Account Access is Limited. If the dispute covers only a specific transaction, we will only limit access to funds related to that particular transaction.
如果您的账户被冻结，若争议仅限于某一项交易，我方将仅仅对与该项交易有关的金额给予冻结。

If your account access has been limited, you will be notified by e-mail and requested to provide information relevant to your account. PayPal will investigate the matter promptly.
如果您的账户已被冻结，PAYPAL将通过电子邮件通知您，并要求您提供与您账户相关的信息材料。我方会迅速地对事件展开调查。

If the investigation is in your favor, we will restore access to your account. If the investigation is not in your favor, PayPal may return funds to the sender and restore access to the remainder of your account, continue to limit your account access for up to 180 days as is necessary to protect PayPal against the risk of reversals, or may close your account by giving you notice and mailing a check for any funds in your account (minus funds that are in dispute) to the address that you have provided.
如若调查结果对贵方有利，我方将恢复您的账户。
如若调查结果于贵方不利，PAYPAL会将钱返还给汇款人，并将贵方账户中的余额解冻。PAYPAL为防范撤款风险，将继续冻结贵方账户180天，或者会关闭您的账户，然后通知贵方。并且将贵方账户中的全部钱款（减去有争议的金额）写支票邮寄到您所提供的地址。

If you are later determined to be entitled to the funds in dispute, PayPal will make an additional payment of those funds to you. Any of the following events may lead to your account being limited:
假若之后证明您有权获得那部分有争议的款项，PAYPAL将会把那笔钱另外付给您。
若出现如下任何一种情况，都会导致您的账户被冻结：

Reports of unauthorized or unusual credit card use associated with the account including, but not limited to, notice by the card issuing bank. This includes notices made by you to your credit card company that a transaction was unauthorized or your account compromised, and is done in order to protect you from further unauthorized use of your card;
与您PAYPAL账户关联的信用卡一经发现未予授权或者有异常情况（包括但不限于发卡行通知，包含您通知您的信用卡公司有笔交易未授权或者您的账户受到威胁，以及做出通知以避免您的信用卡被进一步滥用）

Reports of unauthorized or unusual bank account use associated with the account;
发现您PAYPAL账户使用未授权或者情况异常的银行账号。

Abuse by a buyer of the reversal process provided by the buyer's issuing bank;
买方发卡行做出撤销处理导致买方投诉。

Consistent failure to pursue the Buyer Complaint Process described below before pursuing any alternate reversal process provided by the buyer's issuing bank;
多次通知Paypal进行拒付的买家。

Complaints received regarding non-shipment of merchandise, non-delivery of services, merchandise not as described, or problems with merchandise shipped;
收到如下投诉：未交货，未提供服务，商品与描述不符，或者商品到货后存在严重问题。

Initiation by a buyer of a reversal process through the buyer's issuing bank without first pursuing the Buyer Complaint process described below;
任何在没有通知Paypal的情况下先行向发卡行提出拒付请求的。

Receipt of potentially fraudulent funds;
收到有可能是赃款的汇款（编者语：一般异地交易；个人间转帐被封闭的适用此条，因此个人间转帐一般只适用于真实拍卖中，并提交可查询的运单和发票，而且不可以是经常性的）；

Excessive disputes or reversals, or attempts to "double dip" by receiving funds in a dispute both from PayPal and through a reversal or a refund from the seller;
过分争议或者撤款，或者试图通过从PAYPAL借助撤款或者要求卖方退款方式重复取钱；

Refusal to cooperate in an investigation or provide confirmation of identity when requested;
当要求提供身份确认资料以便调查时，拒绝配合；

Initiation of transactions considered to be cash advances or assisting in cash advances(not including the use of the PayPal debit card);
加入或者交易被发现有套现或者协助套现的行为（不包含PAYPAL借记卡的使用）；（编者语：注意！买卖Paypal余额的往往违反该条款）

Sending unsolicited email or posting referral links on websites where they are not permitted;
随意发送垃圾邮件或者在未经许可的网站上留下链接；

Opening multiple Personal accounts;
开多个个人账户；

The account has been used in or to facilitate fraudulent activity;
账户被用于欺诈行为或者协助欺诈行为；

Violations of this User Agreement;
触犯《用户守则》；

Name on the bank account associated with the PayPal account does not match the name on the PayPal account;
与PAYPAL账号连接的银行账户上的姓名和PAYPAL账号上的姓名不相符；

Return of an incoming Electronic Funds Transfer for insufficient funds in the bank account, incorrect bank routing number, or incorrect bank account number;
引入的电子货币转账时银行账户内资金不足，以及不正确的银行交换号（routing number），或者错误的银行账号。

Use of an anonymizing proxy;
使用代理服务器。

Participating in prohibited transactions and activities, including but not limited to multi-level marketing programs, gifting clubs and other pyramid schemes, and listing items for sale that have a delayed delivery date of 20 days or more after the transaction list, and other activities that are prohibited in Part II of this Agreement;
加入了禁止的交易及活动，包括但不仅限于：多层次市场运营、廉价赠予俱乐部和他金字塔式的营销计划（注：类似于我们所说的“传销”），以及在网上售卖商品时自交易之日起拖延交货达20天以上，以及其他本章程第二部分所禁止的活动。

Reports from credit agencies of a high level of risk;
从信用卡机构得知存在信用高风险。

Receipt by PayPal of excessive complaints regarding your account, business or service; and/or
PAYPAL收到的投诉是关于您的商品交易或者（并且）服务。

Logging in from a country not included on PayPal's permitted countries list.
自PAYPAL许可国名单之外的国家登录。

PayPal will use reasonable efforts to investigate accounts that are subject to account access limitations and to reach a final decision on the limitations promptly.
PAYPAL将竭尽可能地对冻结之账户进行调查，并迅速做出最终处理。

（转自大陆信用卡之窗，原作者猪八戒先生）