Ⅰ 璐鋒句竴鐧句竾涓夊嶮騫存瘡鏈堣繕澶氬皯璐鋒100涓囩瓑棰濇湰閲
璐鋒100涓30騫存湀渚涘氬皯
100涓囨埧璐30騫達紝鍟嗕笟璐鋒懼埄鐜囦負4.9%錛屽叕縐閲戣捶嬈懼埄鐜囦負3.25%錛屽垎鍒閲囩敤絳夐濇湰鎮涓庣瓑棰濇湰閲戣＄畻錛
1銆佸晢涓氳捶嬈俱
絳夐濇湰鎮錛氭湀渚5307.27鍏冿紝榪樻炬婚1910616.19鍏冿紝鎬誨埄鎮910616.19鍏冦
絳夐濇湰閲戱細絎涓涓鏈堜緵6861.11鍏冿紝姣忔湀閫掑噺11-12鍏冿紝榪樻炬婚1737041.67錛屾誨埄鎮737041.67鍏冦
2銆佸叕縐閲戣捶嬈俱
絳夐濇湰鎮錛氭湀渚4352.06鍏冿紝榪樻炬婚1566742.75鍏冿紝鎬誨埄鎮566742.75鍏冦
絳夐濇湰閲戱細絎涓涓鏈堜緵5486.11鍏冿紝姣忔湀閫掑噺7-8鍏冿紝榪樻炬婚1488854.17錛屾誨埄鎮488854.17鍏冦
璐鋒句拱鎴跨殑璇︾粏嫻佺▼鏄鎬庢牱鐨?
1銆佹煡璇㈣喘鎴胯祫鏍箋
濡備粖鎴誇駭浜ゆ槗瓚婃潵瓚婅勮寖浜嗭紝鎴誇駭鏀跨瓥瀵規埧浜т氦鏄撶殑褰卞搷闈炲父鐨勫ぇ錛屼拱鎴垮瓙涔熶笉鏄浣犳湁閽卞氨鑳戒拱鐨勶紝棣栧厛浣犲緱絎﹀悎褰撳湴鐨勮喘鎴胯祫鏍箋傜壒鍒鏄鎯寵佸湪榪欎簺澶у煄甯備拱鎴垮瓙鐨勬湅鍙嬭佹敞鎰忎簡錛屽緢澶氫竴綰垮煄甯傞兘鏈変拱鎴塊檺璐鐨勬斂絳栵紝涓鑸鑰岃█錛屾嫢鏈夋湰鍦版埛鍙ｇ殑璐鎴胯呴兘鍙浠ュ湪鏈鍦拌喘涔伴栧楁埧錛岃屽栧湴鎴峰彛涔版埧闇瑕佺﹀悎涓瀹氱殑浜ょ◣鎴栦氦紺句繚鐨勮佹眰銆
騫沖畨閾惰屼釜浜鴻捶100涓4騫存湡絳夐濇湰鎮姣忔湀榪樺氬皯閽
騫沖畨閾惰屼釜浜鴻捶100涓4騫存湡絳夐濇湰鎮姣忔湀榪樺氬皯閽憋紝絳夐濇湰鎮璁＄畻鍏寮忥細
鏈閲戝勾鍒╃巼/12(1騫村埄鐜/12)^璐鋒炬湀鏁/((1騫村埄鐜/12)^璐鋒炬湀鏁-1)
璐鋒100涓囷紝鍒╂伅2鍒嗭紝璐鋒10涓鏈堬紝闇瑕佹瘡鏈堣繕嬈111326.53鍏冿紝鏈閲戝拰鍒╂伅涓鍏辨槸1113265.3鍏冦
絳夐濇湰鎮錛屾槸鎸囦竴縐嶈捶嬈劇殑榪樻炬柟寮忋傜瓑棰濇湰鎮鏄鍦ㄨ繕嬈炬湡鍐咃紝姣忔湀鍋胯繕鍚岀瓑鏁伴濈殑璐鋒(鍖呮嫭鏈閲戝拰鍒╂伅)銆傚畠鍜岀瓑棰濇湰閲戞槸涓嶄竴鏍風殑姒傚康錛岃櫧鐒跺垰寮濮嬭繕嬈炬椂姣忔湀榪樻鵑濆彲鑳戒細浣庝簬絳夐濇湰閲戣繕嬈炬柟寮忕殑棰濆害錛屼絾鏄鏈緇堟墍榪樺埄鎮浼氶珮浜庣瓑棰濇湰閲戣繕嬈炬柟寮忥紝璇ユ柟寮忕粡甯歌閾惰屼嬌鐢ㄣ
璐鋒100涓囩瓑棰濇湰鎮5騫磋繕浜嗗氬皯鏈錛
璐鋒炬椂閫夋嫨鐨勯摱琛屼笉鍚岋紝璐鋒懼埄鎮涔熶細鏈夋墍涓嶅悓錛屽悇涓閾惰屾墽琛岀殑鏍囧噯涓嶅畬鍏ㄤ竴鏍鳳紝浣嗛兘鏄鎸夌収鍥藉惰勫畾鐨勫埄鐜囨爣鍑嗕笂涓嬫誕鍔ㄣ
榪樻炬柟寮忔湁涓ょ嶏細絳夐濇湰閲戝拰絳夐濇湰鎮錛岄夋嫨鐨勮繕嬈炬柟寮忎笉鍚岋紝鎵浜х敓鐨勫埄鎮涔熶笉鍚屻
璐鋒鵑夋嫨鐨勬柟寮忎笉鍚岋紝鍒╃巼涔熸槸涓嶄竴鏍風殑錛屽父瑙佺殑鎴胯捶鍟嗕笟鍒╃巼鏄姣旇緝楂樼殑錛屼絾鏄鍏縐閲戣捶嬈懼埄鐜囩浉瀵逛細浣庣偣錛屽傛灉浣跨敤淇＄敤鍗＄殑鎯呭喌涓嬶紝鍒╃巼鍙堟槸涓嶄竴鏍風殑銆
NO1銆佹埧璐(鍟嗕笟璐鋒)
涓銆佺瓑棰濇湰鎮
絳夐濇湰鎮錛氭瘡鏈堣繕嬈炬婚濆滻瀹氾紝鍏朵腑鏈閲戦儴鍒嗛愭湀閫掑炪佸埄鎮閮ㄥ垎閫愭湀閫掑噺銆
絳夐濇湰鎮璁＄畻鍏寮忥細姣忔湀榪樻鵑噾棰=鏈閲戞湀鍒╃巼(1鏈堝埄鐜)璐鋒炬湀鏁/銆(1鏈堝埄鐜)榪樻炬湀鏁-1銆
鏈堝埄鐜=騫村寲鍒╃巼/12
1銆100涓囧厓鍒5騫達紝濡傛灉鎸夌収璐鋒懼勾鍒╃巼LPR4.6%璁＄畻錛屽埄鎮鎬誨叡121,311.49鍏冿紝鎬昏繕嬈1,121,311.49鍏冿紝姣忎釜鏈堟湀渚18,688.52鍏冦
2銆100涓囧厓鍒5騫達紝濡傛灉鎸夌収璐鋒懼勾鍒╃巼4.9%璁＄畻錛屽埄鎮鎬誨叡129,527.21鍏冿紝鎬昏繕嬈1,129,527.21鍏冿紝姣忎釜鏈堟湀渚18,825.45鍏冦
浜屻佺瓑棰濇湰閲
絳夐濇湰閲戱細姣忔湀榪樻炬婚濋掑噺錛屽叾涓鏈閲戦儴鍒嗗滻瀹氥佸埄鎮閮ㄥ垎閫愭湀閫掑噺銆
絳夐濇湰閲戣＄畻鍏寮忥細姣忔湀榪樻鵑噾棰=(璐鋒炬湰閲/榪樻炬湀鏁)(鏈閲戔斿凡褰掕繕鏈閲戠瘡璁￠)脳姣忔湀鍒╃巼
鏈堝埄鐜=騫村寲鍒╃巼/12
1銆100涓囧厓鍒5騫達紝濡傛灉鎸夌収璐鋒懼勾鍒╃巼LPR4.6%璁＄畻錛屽埄鎮鎬誨叡116,916.67鍏冿紝鎬昏繕嬈1,116,916.67鍏冿紝姣忔湀鏈堜緵濡備笅錛
絎1鏈燂細20,500.00鍏冿紝絎2鏈燂細20,436.11鍏冿紝絎3鏈燂細20,372.22鍏冿紝絎4鏈燂細20,308.33鍏冿紝絎5鏈燂細20,244.44鍏
........
絎55鏈燂細17,050.00鍏冿紝絎56鏈燂細16,986.11鍏冿紝絎57鏈燂細16,922.22鍏冿紝絎58鏈燂細16,858.33鍏冿紝絎59鏈燂細16,794.44鍏冿紝絎60鏈燂細16,730.56鍏冦
2銆100涓囧厓鍒5騫達紝濡傛灉鎸夌収璐鋒懼勾鍒╃巼4.9%璁＄畻錛屽埄鎮鎬誨叡124,541.67鍏冿紝鎬昏繕嬈1,124,541.67鍏冿紝姣忔湀鏈堜緵濡備笅錛
絎1鏈燂細20,750.00鍏冿紝絎2鏈燂細20,681.94鍏冿紝絎3鏈燂細20,613.89鍏冿紝絎4鏈燂細20,545.83鍏冿紝絎5鏈燂細20,477.78鍏
........
絎55鏈燂細17,075.00鍏冿紝絎56鏈燂細17,006.94鍏冿紝絎57鏈燂細16,938.89鍏冿紝絎58鏈燂細16,870.83鍏冿紝絎59鏈燂細16,802.78鍏冿紝絎60鏈燂細16,734.72鍏冦
璐鋒100涓囩瓑棰濇湰閲戝拰絳夐濇湰鎮鍝涓鍒掔畻錛熻繖鏍蜂竴瀵規瘮灝辨槑鐧戒簡
闅忕潃鍥藉唴鎴誇環鐨勫為珮錛岃稿氫漢闈㈠歸珮棰濈殑鎴誇環鏈涜屽嵈姝ワ紝榪欐椂涓轟簡鑳藉熸嫢鏈変竴濂楀睘浜庤嚜宸辯殑鎴匡紝璐鋒懼氨鎴愪負浜嗗緢濂界殑閫夋嫨錛屼笉榪囪捶嬈捐繕嬈懼張鍒嗙瓑棰濇湰閲戝拰絳夐濇湰鎮錛岄偅涔堣捶嬈100涓囩瓑棰濇湰閲戝拰絳夐濇湰鎮鍝涓鍒掔畻錛熶粖澶╁氨鏉ョ粰澶у剁畝鍗曠殑鍥炵瓟涓涓嬨
璐鋒100涓囩瓑棰濇湰閲戝拰絳夐濇湰鎮鍝涓鍒掔畻錛
涓銆佺瓑棰濇湰閲
褰撶敤鎴烽夋嫨浜嗙瓑棰濇湰閲戠殑榪樻炬柟寮忥紝鍦ㄥ墠鏈熻繕嬈懼埄鎮浼氭瘮杈冨皯錛屽墠鏈熻繕嬈懼帇鍔涙瘮杈冨ぇ錛屼絾闅忕潃鏃墮棿鐨勬帹縐伙紝瓚婂埌鍚庢湡鎵闇瑕佽繕嬈劇殑閲戦濆氨瓚婂皯錛屽叾榪樻鵑噾棰濇槸浠庡ぇ鍒板皬榪涜岄愭湡閫掑噺鐨勩
渚嬪傝捶嬈100涓囧厓錛屽勾闄愭槸30騫達紝鎸夌収鐜板湪鐨勮捶嬈懼埄鐜囨潵榪涜岃＄畻錛屼竴鍏辮佽繕嬈180涓囧厓宸﹀彸錛屽埄鎮鏄80涓囧乏鍙籌紝姣旂瓑棰濇湰鎮鐨勫埄鎮瑕佸皯20涓囧乏鍙熾
浜屻佺瓑棰濇湰鎮
閫夋嫨絳夐濇湰鎮鐨勮繕嬈炬柟寮忎細寰堝氾紝鍓嶆湡榪樻懼帇鍔涗細姣旇緝灝忥紝浣嗘墍鍗犵殑鍒╂伅鏄姣旇緝澶х殑銆
渚嬪備嬌鐢ㄧ瓑棰濇湰鎮榪涜岃捶嬈100涓囷紝璐鋒懼勾闄愭槸30騫達紝浠ラ夋嫨鐨勮捶嬈懼埄鐜囪繘琛岃＄畻鐨勮瘽錛屼釜浜洪渶瑕佽繕嬈劇殑鎬婚噾棰濇槸200涓囧乏鍙籌紝鍒╂伅鏄100涓囧乏鍙籌紝鍩烘湰涓婂埄鎮絳夊悓浜庢湰閲戱紝鐩稿逛簬絳夐濇湰閲戞潵璇達紝鍒╂伅瑕侀珮浜嗙櫨鍒嗕箣20浠ヤ笂銆
浠ヤ笂鍐呭瑰氨鏄璐鋒100涓囩瓑棰濇湰閲戝拰絳夐濇湰鎮錛屽摢涓鍒掔畻鐨勪竴涓璇︾粏瑙ｇ瓟錛岀浉淇″ぇ瀹跺湪鐪嬪畬鍚庡硅繖涓闂棰橀兘鏈変簡鑷宸辯殑鐞嗚В錛屽笇鏈涙湰嬈″洖絳斿彲浠ュ府鍔╀綘瑙ｅ喅鐢熸椿涓婄殑闂棰樸
100涓囨埧璐30騫存瘡鏈堣繕澶氬皯
浠ユ埧璐蜂負渚嬶紝鏍規嵁涓鍥戒漢姘戦摱琛屽畼緗戝熀鍑嗚捶嬈懼埄鐜囷紝浜斿勾浠ヤ笂鍟嗕笟璐鋒劇殑騫村埄鐜囦負4.90%錛屽垯璁＄畻鍙寰100涓囧晢涓氳捶嬈30騫存湀渚涢濆叿浣撳備笅錛
1銆佺瓑棰濇湰鎮榪樻炬硶100涓囧晢涓氳捶嬈30騫寸殑姣忔湀鏈堜緵涓5307.27鍏冦
2銆佺瓑棰濇湰閲戣繕嬈炬硶100涓囧晢涓氳捶嬈30騫寸殑棣栨湀鏈堜緵涓6861.11鍏冿紝闅忓悗閫愭湀閫掑噺銆
涓浜轟竴鎵嬩綇鎴胯捶嬈懼姙鐞嗘潯浠跺備笅錛
1銆佸叿鏈夊畬鍏ㄦ皯浜嬭屼負鑳藉姏鍜屽悎娉曟湁鏁堢殑韜浠借瘉浠訛紱
2銆佸叿鏈夊伩榪樿捶嬈炬湰鎮鐨勮兘鍔涳紱
3銆佷俊鐢ㄧ姸鍐佃壇濂斤紱
4銆佸凡絳捐㈠悎娉曟湁鏁堢殑鎴垮眿涔板崠鍚堝悓錛屼笖鎵璐鎴垮眿鐢ㄩ斾負浣忓畢錛
5銆佹湁涓嶄綆浜庢渶浣庤勫畾姣斾緥鐨勯栦粯嬈捐瘉鏄庯紱
6銆佸師鍒欎笂浠ユ墍璐浣忔埧璁懼畾鎶墊娂鎷呬繚錛
7銆佽捶嬈鵑摱琛岃勫畾鐨勫叾浠栨潯浠躲
娓╅Θ鎻愮ず錛氬叿浣撲笟鍔＄嶇被鍙婂姙鐞嗙▼搴忋佸姙鐞嗘潯浠剁瓑浠ュ綋鍦板垎琛屾湁鍏寵勫畾涓哄噯銆
璐鋒劇殑榪樻炬柟寮忔湁絳夐濇湰鎮榪樻炬硶鍜岀瓑棰濇湰閲戣繕嬈炬硶涓ょ嶏紝榪樻炬柟寮忎笉鍚屽垯璐鋒懼悗鏈堜緵涓嶅悓錛屼袱縐嶈捶嬈炬柟寮忕殑鏈堜緵棰濊＄畻鏂瑰紡鍏蜂綋濡備笅錛
1銆佺瓑棰濇湰鎮榪樻炬硶姣忔湀鏈堜緵棰=銆旇捶嬈炬湰閲懨楁湀鍒╃巼脳錛1鏈堝埄鐜囷級^榪樻炬湀鏁般暶楓旓紙1鏈堝埄鐜囷級^榪樻炬湀鏁-1銆曪紝絳夐濇湰鎮榪樻炬寚姣忔湀榪樻炬湰鎮鐩稿悓錛屾瘡涓鏈堣繕閾惰岀殑鏈堜緵閮芥槸涓鏍風殑錛屽嵆灝嗛摱琛岀殑鏈鎮騫沖潎鍒嗘憡鍒版瘡涓鏈堢殑榪樻炬棩榪樻俱
2銆佺瓑棰濇湰閲戣繕嬈炬硶姣忔湀鏈堜緵棰=錛堣捶嬈炬湰閲懨瘋繕嬈炬湀鏁幫級錛堣捶嬈炬湰閲-宸插綊榪樻湰閲戠瘡璁￠濓級脳鏈堝埄鐜囷紝絳夐濇湰閲戣繕嬈炬寚姣忔湀榪樻劇殑鏈閲戠浉鍚岋紝鍒╂伅閫愭湡鍑忓皯銆
100涓囪捶嬈撅紝絳夐濇湰閲戱紝絳夐濇湰鎮宸鍒鏈夊氬ぇ錛
絳夐濇湰鎮娉曪細 璐鋒炬湰閲戱細1000000,鍋囧畾騫村埄鐜囷細4.900%,璐鋒懼勾闄愶細30騫達細姣忔湀鏈堜緵榪樻炬湰鎮棰濇槸錛 5307.27鍏冦佽繛鏈甯﹀埄鎬昏繕嬈鵑噾棰濇槸錛1910617.2鍏冦佸叡搴旇繕鍒╂伅錛 910617.2鍏冦 x0a絎1涓鏈堣繕鍒╂伅涓猴細4083.33 錛涚1涓鏈堣繕鏈閲戜負錛1223.94錛涙ゅ悗姣忔湀榪樺埄鎮閲戦濋掑噺銆佽繕鏈閲戦掑炪傦紙鏈鑰冭檻涓閫斿埄鐜囪皟鏁達級 x0a===========================x0a絳夐濇湰閲戞硶錛氳捶嬈炬湰閲戱細1000000,璐鋒懼勾闄愶細30,鍋囧畾騫村埄鐜囷細4.900% 錛涘簲榪樻湰鎮鎬誨拰錛1737041.67銆佹誨埄鎮錛737041.67錛泋0a鍏朵腑棣栨湀榪樻湰閲戱細2777.78銆侀栨湀鍒╂伅錛4083.33錛涢栨湀鍏辮繕錛6861.11 錛涙ゅ悗鍚勬湀榪樻湰閲戠浉鍚屻佹湀鍒╂伅紼嶆湁涓嬮檷銆傦紙鏈鑰冭檻涓閫斿埄鐜囪皟鏁達級
璐鋒100涓囩瓑棰濇湰閲戠殑浠嬬粛灝辮亰鍒拌繖閲屽惂銆
Ⅱ 70涓囨埧璐30騫存湀渚涘氬皯
闅忕潃鐢熸椿姘村鉤鐨勬彁楂橈紝璁稿氫漢閮芥妸涔版埧鍒椾負鑷宸辯殑鐩鏍囥傚湪涔版埧鐨勬椂鍊欙紝濡傛灉璧勯噾涓嶅熺殑璇濅漢浠閮戒細閫夋嫨璐鋒俱傞偅涔堟埧璐70涓30騫存湀渚涘氬皯?鏉ョ湅鐪嬫槸澶氬皯銆
70涓囨埧璐30騫存湀渚涘氬皯
1銆佸晢涓氳捶嬈
閾惰屽叕甯冪殑浣忔埧鍟嗕笟璐鋒懼熀鍑嗗埄鐜囦負璐鋒炬湡闄愬湪涓騫翠互鍐呯殑璐鋒懼勾鍒╃巼涓4.35%錛屼竴鑷充簲騫寸殑璐鋒懼勾鍒╃巼涓4.75%錛岃捶嬈炬湡闄愬湪浜斿勾浠ヤ笂鐨勮捶嬈懼勾鍒╃巼涓4.9%銆
鐢ㄦ埛璐鋒70涓囧厓錛屾寜鎻30騫磋繕嬈撅紝騫村埄鐜4.9%錛屾寜鐓х瓑棰濇湰鎮鏂瑰紡榪樻撅紝鍒欐瘡涓鏈堟湀渚3715.09鍏冿紝鎬誨埄鎮637431.34鍏冦傛寜鐓х瓑棰濇湰閲戞柟寮忚繕嬈懼垯棣栨湀鏈堜緵4802.77鍏冿紝榪樻鵑噾棰濇瘡鏈堥掑噺錛屾誨埄鎮515929.17鍏冦
鐢ㄦ埛璐鋒70涓囧厓錛屾寜鎻30騫磋繕嬈撅紝騫村埄鐜5.39%錛屾寜鐓х瓑棰濇湰鎮鏂瑰紡榪樻撅紝鍒欐瘡涓鏈堟湀渚3926.35鍏冿紝鎬誨埄鎮713484.96鍏冦傛寜鐓х瓑棰濇湰閲戞柟寮忚繕嬈撅紝棣栨湀鏈堜緵5088.61鍏冿紝榪樻鵑噾棰濇瘡鏈堥掑噺錛屾誨埄鎮567522.08鍏冦
2銆佸叕縐閲戣捶嬈
鍏縐閲戣捶嬈鵑栧楁埧鍩哄噯鍒╃巼涓鴻捶嬈懼勾闄愬湪浜斿勾浠ュ唴鐨勫勾鍒╃巼涓2.75%錛屼簲騫翠互涓婄殑璐鋒懼埄鐜囨槸3.25%銆備簩濂楁埧鐨勮瘽涓鑸浼氫笂嫻10%銆
璐鋒70涓囧厓錛屾寜鎻30騫磋繕嬈撅紝騫村埄鐜3.25%錛屾寜鐓х瓑棰濇湰鎮鏂瑰紡榪樻懼垯姣忔湀鏈堜緵3045.44鍏冿紝鎬誨埄鎮396719.92鍏冦傛寜鐓х瓑棰濇湰閲戞柟寮忚繕嬈懼垯棣栨湀鏈堜緵3840.27鍏冿紝榪樻鵑噾棰濇瘡鏈堥掑噺錛屾誨埄鎮342197.92鍏冦
涔版埧鐢寵瘋捶嬈炬潯浠
1銆佹埧璐風敵璇蜂漢鍦ㄨ捶嬈鵑摱琛屾墍鍦ㄥ湴鏈夊滻瀹氫綇鎵銆佹湁甯鎬綇鎴峰彛鎴栨湁鏁堝眳浣忚瘉鏄庛佸勾榫勫湪65鍛ㄥ瞾(鍚)浠ヤ笅銆佸叿鏈夊畬鍏ㄦ皯浜嬭屼負鑳藉姏鐨勪腑鍥藉叕姘戙
2銆佹埧璐風敵璇蜂漢鏈夋ｅ綋鑱屼笟鍜岀ǔ瀹氱殑鏀跺叆錛屽叿鏈夋寜鏈熷伩榪樿捶嬈炬湰鎮鐨勮兘鍔涖
3銆佹埧璐風敵璇蜂漢搴斿叿鏈夎壇濂界殑淇＄敤璁板綍鍜岃繕嬈炬剰鎰匡紝鏃犱笉鑹淇＄敤璁板綍銆
4銆佹埧璐風敵璇蜂漢鑳芥彁渚涢摱琛岃ゅ彲鐨勫悎娉曘佹湁鏁堛佸彲闈犵殑鎷呬繚銆
5銆佹埧璐風敵璇蜂漢闇鏈夋槑紜鐨勮捶嬈劇敤閫旓紝涓旇捶嬈劇敤閫旂﹀悎鐩稿叧瑙勫畾銆
6銆佹埧璐風敵璇蜂漢欏誨湪閾惰屽紑絝嬩釜浜虹粨綆楄處鎴楓
7銆侀摱琛岃勫畾鐨勫叾浠栨潯浠躲
浠ヤ笂灝辨槸70涓囨埧璐30騫存湀渚涘氬皯鐨勭浉鍏沖唴瀹癸紝鍏蜂綋鐨勬暟棰濋渶瑕佺湅鎵鐢寵風殑璐鋒炬槸鍝縐嶇被鍨嬶紝鎵嶈兘澶熺『瀹氭湀渚涙槸澶氬皯銆
Ⅲ 鎴胯捶50涓30騫村埄鎮澶氬皯 鏈変袱縐嶈＄畻鏂瑰紡
涔版埧瀵逛簬寰堝氫漢鏉ヨ存槸鍙鏈涗笉鍙鍙婏紝濡傛灉璐鋒句拱鎴跨殑璇濓紝涓嶄粎瑕佹敮浠橀栦粯嬈撅紝鑰屼笖姣忔湀闇瑕佹寜鏃跺伩榪樻湀渚涳紝宸ヤ綔涓嶇ǔ瀹氫細瀵艱嚧榪樻懼帇鍔涘緢澶с傜敱浜庤捶嬈鵑渶瑕佸埄鎮錛岄偅涔堟埧璐50涓30騫村埄鎮澶氬皯錛
鎴胯捶鍒╂伅 鍏跺疄錛屾埧璐峰埄鎮瑕佹牴鎹璐鋒懼埄鐜囦互鍙婅繕嬈炬柟寮忓拰鏃墮棿鏉ュ畾錛屽洜涓轟笉鍚岀殑榪樻炬柟寮忚＄畻鍑虹殑鍒╂伅閮戒笉涓鏍楓傜洰鍓嶏紝浜鴻屽叕甯冪殑5-30騫達紙鍚30騫達級璐鋒懼勾鍒╃巼鏄49%錛屼笅闈㈠氨鎸夌収榪欎釜鍒╃巼鏉ヨ＄畻銆
鍦ㄥ埄鐜囦笉鍙樻儏鍐典笅錛屾埧璐50涓囧厓30騫磋繕嬈炬湡闄愶紝閲囩敤絳夐濇湰鎮榪樻撅紝璁＄畻鍑哄埄鎮鎬婚濇槸4553081鍏冿紝姣忔湀榪樻鵑噾棰濅負265363鍏冿紱濡傛灉閲囩敤絳夐濇湰閲戣繕嬈撅紝鍒╂伅鎬婚濅負36852083鍏冿紝棣栨湀榪樻鵑噾棰343056鍏冿紝閫愭湀閫掑噺銆
40涓囧埄鐜26涓夊嶮騫磋繕娓呭埄鎮鏄澶氬皯
鍋囪捐捶嬈懼埄鐜囦負50%錛屾牴鎹絳夐濇湰閲戞硶璁＄畻錛屾埧璐鋒瘡鏈堝伩榪樻湰閲戠殑鏁伴濆滻瀹氾紝鑰屾瘡鏈堝簲鏀浠樼殑鍒╂伅闅忕潃鏈鍋胯繕鏈閲戠殑鍑忓皯鑰岄愭笎鍑忓皯錛屽叿浣撹＄畻榪囩▼濡備笅錛
棣栧厛璁＄畻鍑哄師鏉ョ殑鎴胯捶鎬誨埄鎮錛
鎬誨埄鎮 = 40涓 脳 5% 脳 30騫 = 60涓
鐒跺悗鎸夌収鍘熸潵鐨勬潯浠惰＄畻鍑烘瘡鏈堟湀渚涢噾棰濓細
姣忔湀鏈堜緵鏈閲 = 40涓 梅 (30 脳 12) = 111111鍏
姣忔湀搴旇繕鍒╂伅 = (40涓 - n 脳 111111鍏) 脳 5% 梅 12錛屽叾涓璶琛ㄧず絎琻涓鏈
姣忔湀鏈堜緵閲戦 = 姣忔湀鏈堜緵鏈閲 + 姣忔湀搴旇繕鍒╂伅
鍦ㄨ繕嬈5騫達紝鍗寵繕嬈60涓鏈堝悗錛屾偍鎻愬墠榪樹簡10涓囧厓銆傝繖鏍鳳紝鍓╀綑璐鋒炬湰閲戜負錛
鍓╀綑璐鋒炬湰閲 = 40涓 - 10涓 = 30涓
鍩轟簬鍓╀綑璐鋒炬湰閲戱紝鍙浠ラ噸鏂拌＄畻鍚庣畫鐨勬湀渚涢噾棰濄傛柊鐨勬瘡鏈堟湀渚涘埄鎮涓猴細
姣忔湀搴旇繕鍒╂伅 = (30涓 - n 脳 111111鍏) 脳 5% 梅 12錛屽叾涓璶琛ㄧず絎琻涓鏈堛
灝嗘瘡鏈堟湀渚涙湰閲戝拰姣忔湀搴旇繕鍒╂伅鐩稿姞錛屽嵆鍙寰楀嚭鏂扮殑姣忔湀鏈堜緵閲戦濄傜敱浜庢瘡鏈堝簲榪樼殑鍒╂伅閫愭笎鍑忓皯錛屽洜姝ゆ柊鐨勬瘡鏈堟湀渚涢噾棰濆皢姣斿師鏉ョ殑鏈堜緵閲戦濈暐灝戙傚叿浣撶殑璁＄畻緇撴灉闇瑕佸叿浣撹＄畻銆
鎴胯捶40涓30騫存湀渚涘氬皯
鍏縐閲戣捶嬈撅紝浠ュ熀鍑嗗埄鐜325%璁＄畻
錛1錛夌瓑棰濇湰鎮錛氳繕嬈炬婚6266971鍏冿紝鍒╂伅2266971鍏冿紝鏈堜緵174083鍏冿紱
錛2錛夌瓑棰濇湰閲戱細榪樻炬婚59554167鍏冿紝鍒╂伅19554167鍏冿紝鏈堜緵棣栨湀219444鍏冿紝姣忔湀閫掑噺3鍏冦
鎴胯捶鐨勮繕嬈炬柟寮忔湁絳夐濇湰鎮榪樻炬硶鍜岀瓑棰濇湰閲戣繕嬈炬硶涓ょ嶏紝榪樻炬柟寮忎笉鍚屽垯璐鋒懼悗鏈堜緵涓嶅悓錛屼袱縐嶈捶嬈炬柟寮忕殑鏈堜緵棰濊＄畻鏂瑰紡鍏蜂綋濡備笅錛
1銆佺瓑棰濇湰鎮榪樻炬硶姣忔湀鏈堜緵棰=銆旇捶嬈炬湰閲懨楁湀鍒╃巼脳錛1+鏈堝埄鐜囷級^榪樻炬湀鏁般暶楓旓紙1+鏈堝埄鐜囷級^榪樻炬湀鏁-1銆曪紝絳夐濇湰鎮榪樻炬寚姣忔湀榪樻炬湰鎮鐩稿悓錛屾瘡涓鏈堣繕閾惰岀殑鏈堜緵閮芥槸涓鏍風殑錛屽嵆灝嗛摱琛岀殑鏈鎮騫沖潎鍒嗘憡鍒版瘡涓鏈堢殑榪樻炬棩榪樻俱
2銆佺瓑棰濇湰閲戣繕嬈炬硶姣忔湀鏈堜緵棰=錛堣捶嬈炬湰閲懨瘋繕嬈炬湀鏁幫級+錛堣捶嬈炬湰閲-宸插綊榪樻湰閲戠瘡璁￠濓級脳鏈堝埄鐜囷紝絳夐濇湰閲戣繕嬈炬寚姣忔湀榪樻劇殑鏈閲戠浉鍚岋紝鍒╂伅閫愭湡鍑忓皯銆
鍐滀笟閾惰岃捶嬈40涓30騫翠竴鏈堣繕澶氬皯鍟
鍏蜂綋鐨勬湀渚涢噾棰濈敱璐鋒劇被鍒銆佸疄闄呮埧璐峰埄鐜囧拰榪樻炬柟寮忓喅瀹氥傚亣璁炬埧璐40涓30騫達紝閲囩敤鍟嗕笟璐鋒劇被鍒錛2018騫存埧璐峰熀鍑嗗埄鐜囧皢鎸夊ぎ琛屾渶榪戜竴嬈＄殑鍒╃巼璋冩暣鏍囧噯鎵ц岋紝鍟嗕笟璐鋒5騫翠互涓婄殑騫村埄鐜囦負49%銆傝捶嬈劇被鍒鍜屽疄闄呮埧璐峰埄鐜囩『瀹氬悗錛屾湀渚涢噾棰濈敱榪樻炬柟寮忓喅瀹氥傜洰鍓嶅叡鏈変袱縐嶈繕嬈炬柟寮忥紝絳夐濇湰鎮鍜岀瓑棰濇湰閲戙傜瓑棰濇湰鎮錛屾槸鍦ㄨ繕嬈炬湡鍐呮瘡鏈堝伩榪樺悓絳夋暟棰濈殑璐鋒(鍖呮嫭鏈閲戝拰鍒╂伅)錛涚瓑棰濇湰閲戱紝鏄鍦ㄨ繕嬈炬湡鍐呮妸璐鋒炬暟鎬婚濈瓑鍒嗭紝姣忔湀鍋胯繕鍚岀瓑鏁伴濈殑鏈閲戝拰鍓╀綑璐鋒懼湪璇ユ湀鎵浜х敓鐨勫埄鎮錛岃繖鏍風敱浜庢瘡鏈堢殑榪樻炬湰閲戦濆滻瀹氾紝鑰屽埄鎮瓚婃潵瓚婂皯錛屽熸句漢璧峰垵榪樻懼帇鍔涜緝澶э紝浣嗘槸闅忔椂闂寸殑鎺ㄧЩ姣忔湀榪樻炬暟涔熻秺鏉ヨ秺灝戙傚傛灉閲囩敤絳夐濇湰鎮鐨勮繕嬈炬柟寮忥細鏈堣繕嬈鵑=鏈閲懨楁湀鍒╃巼脳[(1+鏈堝埄鐜)^n/[(1+鏈堝埄鐜)^n-1]錛涘紡涓璶琛ㄧず璐鋒炬湀鏁幫紝^n琛ㄧずn嬈℃柟銆傦紙鏈堝埄鐜=騫村埄鐜/12錛夋誨埄鎮=鏈堣繕嬈鵑濊捶嬈炬湀鏁-鏈閲戝洜姝ら噰鐢ㄧ瓑棰濇湰鎮鐨勮繕嬈炬柟寮忥紝璐鋒40涓30騫達紝鏈堜緵212291鍏冦傚傛灉閲囩敤絳夐濇湰閲戠殑榪樻炬柟寮忥細鏈堣繕嬈鵑=鏈閲/n+鍓╀綑鏈閲戞湀鍒╃巼鎬誨埄鎮=鏈閲戞湀鍒╃巼錛堣捶嬈炬湀鏁/2+05錛夊洜姝わ紝閲囩敤絳夐濇湰閲戠殑榪樻炬柟寮忥紝璐鋒40涓30騫達紝絎涓涓鏈堥渶浜274444鍏冿紝絎浜屼釜鏈堥渶浜273991鍏冩渶鍚庝竴涓鏈堝彧闇浜111565鍏冦
40涓囪捶嬈30騫存瘡鏈堣繕澶氬皯鍒╃巼415
娌¤磋捶嬈懼艦寮忥紝鎴戝彧鑳藉亣璁句綘鏄鎴胯捶
棣栧椾綇鎴胯捶嬈懼埄鐜囦竴鑸鏄鍏浜旀姌
絳夐濇湰鎮榪樻炬硶
400涓囧厓
30騫
鍒╃巼涓嬫誕15%
鏈堣繕嬈
215928
鍚堣¤繕嬈
7773涓囧厓
鍒╂伅
3773涓囧厓
絳夐濇湰閲戣繕嬈炬硶
400涓囧厓
30騫
鍒╃巼涓嬫誕15%
棣栨湀榪樻
279411
姣忔湀閫掑噺
467
鍚堣¤繕嬈
7038涓囧厓
鍒╂伅
3038涓囧厓
甯屾湜鑳藉熷府鍒版偍錛佸洖絳旀潵鑷錛氱櫨搴︽埧浜т氦嫻佸洟錛屾暚璇峰叧娉錛
璐鋒40涓30騫存湀渚涘氬皯
40涓囨埧璐30騫寸殑鏈堜緵鍜屼綘鐨勮捶嬈懼埄鐜囦互鍙婅繕嬈炬柟寮忔湁鍏籌紝鍋囧傛寜鐓ц捶嬈懼熀鍑嗗埄鐜囩畻鐨勮瘽錛屾湀渚涙槸錛
1銆佸叕縐閲戣捶嬈撅紙5騫翠互涓婅捶嬈懼熀鍑嗗埄鐜囦負325%錛夛細絳夐濇湰閲戣繕嬈劇殑錛岄栨湀鏈堜緵鏄219444鍏冿紝浠ュ悗姣忔湀閫掑噺301鍏冿紱絳夐濇湰鎮榪樼殑錛屾瘡鏈堟湀渚涙槸174083鍏冦
2銆佸晢涓氳捶嬈撅紙5騫翠互涓婅捶嬈懼熀鍑嗗埄鐜囦負490%錛夛細絳夐濇湰閲戣繕嬈劇殑錛岄栨湀鏈堜緵鏄274444鍏冿紝浠ュ悗姣忔湀閫掑噺454鍏冿紱絳夐濇湰鎮榪樼殑錛屾瘡鏈堟湀渚涙槸212291鍏冦
鎴胯捶40涓30騫存湀渚涘氬皯錛岃佹牴鎹鍏蜂綋鐨勮捶嬈懼埄鐜囷紝浠ュ強鍊熸句漢閫夋嫨鐨勮繕嬈炬柟寮忔潵紜瀹氾紝鍦ㄨ捶嬈懼埄鐜囩浉鍚岀殑鎯呭喌涓嬶紝閫夋嫨鐨勮繕嬈炬柟寮忎笉鍚岋紝姣忔湀鏈堜緵涔熸湁鎵涓嶅悓銆
濡傛灉鎸夌収30騫存湡鐨勫熀鍑嗗埄鐜49%鏉ヨ＄畻錛岄夋嫨絳夐濇湰閲戣繕嬈炬柟寮忥紝棣栨湀闇浜274444鍏冿紝閫愭湀閫掑噺錛涢夋嫨絳夐濇湰鎮榪樻炬柟寮忥紝姣忔湀鏈堜緵涓212291鍏(鍏)銆
絳夐濇湰閲戞槸姣忔湀鐨勮繕嬈鵑濅笉鍚岋紝鍛堢幇閫愭湀閫掑噺鐨勭姸鎬侊紱瀹冩槸灝嗚捶嬈炬湰閲戞寜榪樻劇殑鎬繪湀鏁板潎鍒嗭紝鍐嶅姞涓婁笂鏈熷墿浣欐湰閲戠殑鍒╂伅錛岃繖鏍峰氨褰㈡垚鏈堣繕嬈鵑濓紝鎵浠ョ瓑棰濇湰閲戞硶涓鏈堢殑榪樻鵑濆氾紝鐒跺悗閫愭湀鍑忓皯錛岃秺榪樿秺灝戙
絳夐濇湰鎮鏄姣忔湀鐨勮繕嬈鵑濈浉鍚岋紝浠庢湰璐ㄤ笂鏉ヨ存槸鏈閲戞墍鍗犳瘮渚嬮愭湀閫掑烇紝鍒╂伅鎵鍗犳瘮渚嬮愭湀閫掑噺錛屾湀榪樻炬暟涓嶅彉錛屽嵆鍦ㄦ湀渚涒滄湰閲戜笌鍒╂伅鈥濈殑鍒嗛厤姣斾緥涓錛屽墠鍗婃墊椂鏈熸墍榪樼殑鍒╂伅姣斾緥澶с佹湰閲戞瘮渚嬪皬錛岃繕嬈炬湡闄愯繃鍗婂悗閫愭ヨ漿涓烘湰閲戞瘮渚嬪ぇ銆佸埄鎮姣斾緥灝忋