㈠ 涓浜烘秷璐硅捶娆惧埄鐜囧氬皯閽
鍔炵悊涓鍥介摱琛屼釜浜烘秷璐圭被璐锋剧殑鍒╃巼鏄澶氬皯锛
涓鍥介摱琛屼釜浜烘秷璐圭被璐锋惧埄鐜囷細
璐锋惧埄鐜囧畾浠锋柟寮忥細娴鍔ㄥ埄鐜囨柟寮忥紱
璐锋惧埄鐜囨诞鍔ㄥ懆鏈燂細12涓鏈堬紙璐锋炬湡闄愬唴涓嶆秹鍙婇噸鏂板畾浠凤級锛
璐锋惧埄鐜囨寜鏃ユ伅璁＄畻锛屾棩鍒╃巼=骞村埄鐜/360銆傚悎鍚屾湁鏁堟湡鍐咃紝璐锋句汉鏈夋潈璋冩暣璐锋惧埄鐜囥傚叿浣撹锋偍鍒板綋鍦颁腑鍥介摱琛岃捶娆剧粡鍔炶岃繘琛屽挩璇銆
浠ヤ笂鍐呭逛緵鎮ㄥ弬鑰冿紝涓氬姟瑙勫畾璇蜂互瀹為檯涓哄噯銆
娑堣垂璐蜂竴骞6涓涓鏈堝埄鎭澶氬皯
娑堣垂璐锋惧勾鍒╂伅鏄澶氬皯锛
娑堣垂璐锋惧埄鐜囧備笅锛
1.鐭鏈熻捶娆撅細鍏涓鏈堬紙鍖呮嫭鍏涓鏈堬級鐨勫埄鐜囨槸5.6%锛屽叚涓鏈堝埌涓骞达紙鍖呮嫭涓骞达級鐨勫埄鐜囨槸6.00%銆
2.涓闀挎湡璐锋撅細涓骞村埌涓夊勾锛堝寘鎷涓夊勾锛夌殑鍒╃巼鏄6.15%锛屼笁骞村埌浜斿勾锛堝寘鎷浜斿勾锛夌殑鍒╃巼鏄6.40%锛屼簲骞村埌涓夊崄骞寸殑鍒╃巼鏄6.55%銆
娑堣垂璐峰勾鍖栫巼锛
鐩鍓嶄汉琛屾秷璐硅捶骞村寲鐜囷細
0-6涓鏈堬紙鍚6涓鏈堬級锛屽勾鍒╃巼锛4.35%锛6涓鏈-1骞达紙鍚1骞达級锛屽勾鍒╃巼锛4.35%锛1-3骞达紙鍚3骞达級锛屽勾鍒╃巼锛4.75%锛
3-5骞达紙鍚5骞达級锛屽勾鍒╃巼锛4.75%锛
5-30骞达紙鍚30骞达級锛屽勾鍒╃巼锛4.90%锛
璐锋惧埄鐜囬渶瑕佺粨鍚堟偍鐢宠风殑涓氬姟鍝佺嶃佷俊鐢ㄧ姸鍐点佹媴淇濇柟寮忕瓑鍥犵礌杩涜岀患鍚堢殑瀹氫环锛岄渶缁忓姙缃戠偣瀹℃壒鍚庢墠鑳界‘瀹氥
涓鍥芥嫑鍟嗛摱琛屾秷璐硅捶娆惧埄鐜囨槸澶氬皯锛
涓鍥芥嫑鍟嗛摱琛屾秷璐硅捶娆剧殑鍒╃巼鏄浠ュぎ琛屽彂甯冪殑鐜拌屽晢涓氳捶娆惧熀鍑嗗埄鐜囦负鍩虹锛屽湪姝や箣涓婅繘琛岄傚綋娴鍔ㄥ緱鍒帮紝鍏蜂綋鍒╃巼浠ュ綋鍦颁腑鍥芥嫑鍟嗛摱琛岀粰鍑虹殑瀹為檯鍒╃巼涓哄噯锛岀幇琛岀殑鍟嗕笟璐锋惧熀鍑嗗埄鐜囧備笅锛
1銆佺煭鏈熻捶娆撅細璐锋1骞翠互鍐(鍚1骞)骞村埄鐜囦负4.35%銆
2銆侀暱鏈熻捶娆撅細
(1)璐锋1~5骞(鍚5骞)骞村埄鐜囦负4.75%;
(2)璐锋5骞翠互涓婂勾鍒╃巼涓4.90%銆
鐜板湪澶琛屽埄鐜囧凡缁忎笅闄嶄负4.3%锛屼綘浠鐨勬埧璐峰埄鐜囬兘涓嬮檷浜嗗悧锛
2020骞翠拱浜嗕竴濂楁埧瀛愶紝閾惰屽埄鐜4.65%60BPs,涓嬫潵鏄5.25%锛21骞磋皟鏁翠簡涓娆″埄鐜囷紝鍙樹负5.2%锛岀幇鍦ㄥぎ琛屽凡缁忚皟鏁磋捶娆惧埄鐜囨槸4.3%锛屽績鎯崇潃姣忎釜鏈堝彲浠ュ皯杩樹竴浜涗簡锛屾湡寰呬腑锛屽彲鏄涓杩炲嚑涓鏈堣捶娆惧埄鐜囨病鏈変竴鐐瑰彉鍖栵紝鍙堜粩缁嗙湅浜嗕竴涓嬪悎鍚岋紝鎵嶅彂鐜版槸涓骞翠竴鍙橈紝涔熷氨鏄鏀捐捶鏃ユ湡婊′竴骞存墠浼氭敼鍙橈紝蹇冩儏鐒﹁檻鍟婏紝甯屾湜灏藉揩闄嶄綆鍒╃巼锛屼竴涓鏈堝彲浠ュ皯杩樺ソ鍑犵櫨鍟婏紒
鏈嬪弸浠锛屼綘浠鐨勬埧璐峰埄鐜囬兘鏄澶氬皯锛熷浐瀹氬姞鐨勫熀鐐规槸澶氬皯鍛锛熸槸涓嶆槸鎴胯捶澶ч儴鍒嗛夋嫨鐨勯兘鏄娴鍔ㄥ埄鐜
娑堣垂璐锋槸浠涔堬紵娑堣垂璐峰埄鎭澶氬皯
瀵逛簬鏅閫氱殑娑堣垂鏀鍑猴紝涓鑸浣跨敤淇＄敤鍗″嵆鍙瀹屾垚鏀浠橈紝浣嗗逛簬涓浜涘ぇ棰濆害鐨勬秷璐规敮鍑猴紝鎴戜滑灏遍渶瑕佺敵璇锋秷璐硅捶娆句簡锛岄偅涔堟秷璐硅捶鏄浠涔堟剰鎬濓紵閾惰屾秷璐硅捶娆惧埄鐜囧氬皯锛熶笅鏂囧氨鏉ュ甫澶у朵簡瑙ｄ竴涓嬨
娑堣垂璐锋槸浠涔堟剰鎬
娑堣垂璐锋句竴鑸鎸囬摱琛屾垨鍏朵粬閲戣瀺鏈烘瀯閫氳繃閲囧彇淇＄敤銆佹姷鎶笺佽川鎶兼媴淇濇垨鍏朵粬淇濊瘉鏂瑰紡锛屽悜涓浜烘秷璐硅呮彁渚涙巿淇￠濆害鐨勮捶娆炬ā寮忋傝屾牴鎹鎺ュ彈璐锋惧硅薄鐨勪笉鍚岋紝娑堣垂璐锋惧張鍙浠ュ垎涓轰拱鏂硅捶娆惧拰鍗栨柟璐锋俱
涔版柟璐锋剧殑鎰忎箟鍦ㄤ簬瀵硅喘涔版秷璐瑰搧鐨勬秷璐硅呭彂鏀剧殑璐锋撅紝濡備釜浜烘梾娓歌捶娆俱佷釜浜虹患鍚堟秷璐硅捶娆俱佷釜浜虹煭鏈熶俊鐢ㄨ捶娆剧瓑銆
鑰屽崠鏂硅捶娆剧殑鎰忎箟鍒欏湪浜庨氳繃鍒嗘湡浠樻惧崟璇佷綔鎶垫娂锛屽归攢鍞娑堣垂鍝佺殑浼佷笟鍙戞斁鐨勮捶娆俱傛瘮濡備釜浜恒佷釜浜轰綇鎴胯捶娆俱佷釜浜烘苯杞﹁捶娆剧瓑銆傚傛灉鎸夋媴淇濈殑涓嶅悓鏉ョ湅锛屽張鍙鍒嗕负鎶垫娂璐锋俱併佷繚璇佽捶娆惧拰淇＄敤璐锋剧瓑銆
娑堣垂璐锋惧埄鐜囨槸澶氬皯锛
鐩鍓嶏紝涓浜鸿兘鐢宠峰埌鐨勬秷璐硅捶娆惧埄鐜囷紝涓昏佺湅涓浜虹殑鐢宠疯祫璐ㄥ拰鎷呬繚鏂瑰紡绛夊洜绱犺屽畾銆傚傛灉鍦ㄩ摱琛岀殑寰佷俊璁板綍鑹濂斤紝骞朵笖鑳芥彁渚涜冻澶熺殑璧勪骇璇佹槑锛屼竴鑸閮藉彲浠ユ垚鍔熺敵璇峰埌娑堣垂璐锋撅紝鍏蜂綋鐨勬秷璐硅捶娆惧埄鐜囷紝鍙浠ュ弬鑰冨備笅锛
0-6涓鏈堬紙鍚6涓鏈堬級锛屽勾鍒╃巼锛4.35%锛6涓鏈-1骞达紙鍚1骞达級锛屽勾鍒╃巼锛4.35%锛1-3骞达紙鍚3骞达級锛屽勾鍒╃巼锛4.75%锛3-5骞达紙鍚5骞达級锛屽勾鍒╃巼锛4.75%锛5-30骞达紙鍚30骞达級锛屽勾鍒╃巼锛4.90%銆
娑堣垂璐峰埄鐜
娑堣垂璐锋惧埄鐜囩殑璁＄畻鍏寮忎负锛氭秷璐硅捶娆惧埄鐜=鍒╂伅/(鏈閲戞湡闄)銆
涓鑸娑堣垂璐锋惧埄鐜囦緷鎹閾惰岀殑鍩哄噯璐锋惧埄鐜囨诞鍔锛屽叿浣撳埄鐜囧皢鏍规嵁鐢宠蜂汉鐨勮祫鏍煎姩鎬佽皟鏁淬
鏈鏂板ぎ琛岃捶娆惧熀鍑嗗埄鐜囷細
锛1锛夌煭鏈熻捶娆撅細涓骞翠互鍐(鍚涓骞)璋冩暣鍚庡埄鐜囦负4.35%銆
锛2锛変腑闀挎湡璐锋撅細涓鑷充簲骞(鍚浜斿勾)璋冩暣鍚庡埄鐜囦负4.75%锛涗簲骞翠互涓婅皟鏁村悗鍒╃巼涓4.90%銆
锛3锛変釜浜轰綇鎴垮叕绉閲戣捶娆撅細浜斿勾浠ヤ笅(鍚浜斿勾)璋冩暣鍚庡埄鐜囦负2.75%锛涗簲骞翠互涓婅皟鏁村悗鍒╃巼涓3.25%銆
鎷撳睍璧勬枡锛
璐锋惧埄鐜囷紝鏄閾惰岀瓑閲戣瀺鏈烘瀯鍙戞斁璐锋炬椂鍚戝熸句汉鏀跺彇鍒╂伅鐨勫埄鐜囥備富瑕佸垎涓轰笁绫:涓澶閾惰屽瑰晢涓氶摱琛岀殑璐锋惧埄鐜;鍟嗕笟閾惰屽瑰㈡埛鐨勮捶娆惧埄鐜;鍚屼笟鎷嗗熷埄鐜囥
閾惰岃捶娆惧埄鎭鐨勭‘瀹氬洜绱犳湁:
1銆侀摱琛屾垚鏈銆備换浣曠粡娴庢椿鍔ㄩ兘瑕佽繘琛屾垚鏈-鏀剁泭姣旇緝銆傞摱琛屾垚鏈鏈変袱绫:鍊熷叆鎴愭湰-鍊熷叆璧勯噾棰勪粯鎭;杩藉姞鎴愭湰-姝ｅ父涓氬姟鎵鑰楄垂鐢ㄣ
2銆佸钩鍧囧埄娑︾巼銆傚埄鎭鏄鍒╂鼎鐨勫啀鍒嗗壊锛屽埄鎭蹇呴』灏忎簬鍒╂鼎鐜囷紝骞冲潎鍒╂鼎鐜囨槸鍒╂伅鐨勬渶楂樼晫闄愩
3銆佸熻捶璐у竵璧勯噾渚涙眰鐘跺喌銆備緵澶т簬姹傦紝璐锋惧埄鐜囧繀鐒朵笅闄嶏紝鍙嶄箣浜︾劧銆傚彟澶栵紝璐锋惧埄鐜囪繕椤昏冭檻鐗╀环鍙樺姩鍥犵礌銆佹湁浠疯瘉鍒告敹鐩婂洜绱犮佹斂娌诲洜绱犵瓑銆
寤鸿岃捶娆惧埄鐜
浠ュ缓琛屼釜浜烘秷璐硅捶娆句负渚嬶紝璐锋惧埄鐜囪寖鍥翠竴鑸鏄0.60%-0.70%锛屾墽琛屼腑鍥戒汉姘戦摱琛岃勫畾鐨勫悓鏈熻捶娆惧埄鐜囷紝鐣ユ湁鍙樺姩銆
鐢宠蜂汉鍦ㄧ敵鍔炶捶娆剧殑鏃跺欙紝寤鸿鍊熸句汉搴斿墠寰褰撳湴閾惰屾垨鑰呮槸璐锋炬満鏋勫挩璇浜嗚В涓嬨
寤鸿屽揩璐风殑璐锋鹃濆害鏈浣庝负1000鍏冿紝鏈楂樹负5涓囧厓锛岃捶娆剧殑鏈熼檺涓1骞达紝鍒╃巼绾︿负6.6%銆
寤鸿屽埄鎭璁＄畻鍏寮忎负锛氬埄鎭=璐锋鹃濆害1骞村埄鐜
鑻ユ槸璐锋5涓囷紝鎸夌収鍒╃巼鏉ョ畻锛屽氨鏄500006.6%=3300銆傚傛灉璐锋剧殑涓栫晫涓嶈冻涓骞达紝姣斿傦紝浠呬粎鐢宠3涓鏈堢殑璐锋撅紝閭ｅ埄鎭渚挎槸3600/123=900
浠ュ缓琛屼釜浜烘秷璐硅捶娆句负渚嬶紝璐锋惧埄鐜囪寖鍥翠竴鑸鏄0.60%-0.70%锛屾墽琛屼腑鍥戒汉姘戦摱琛岃勫畾鐨勫悓鏈熻捶娆惧埄鐜囷紝鐣ユ湁鍙樺姩銆
鐢宠蜂汉鍦ㄧ敵鍔炶捶娆剧殑鏃跺欙紝寤鸿鍊熸句汉搴斿墠寰褰撳湴閾惰屾垨鑰呮槸璐锋炬満鏋勫挩璇浜嗚В涓嬨
寤鸿屽揩璐风殑璐锋鹃濆害鏈浣庝负1000鍏冿紝鏈楂樹负5涓囧厓锛岃捶娆剧殑鏈熼檺涓1骞达紝鍒╃巼绾︿负6.6%銆
寤鸿屽埄鎭璁＄畻鍏寮忎负锛氬埄鎭=璐锋鹃濆害1骞村埄鐜
鑻ユ槸璐锋5涓囷紝鎸夌収鍒╃巼鏉ョ畻锛屽氨鏄500006.6%=3300銆傚傛灉璐锋剧殑涓栫晫涓嶈冻涓骞达紝姣斿傦紝浠呬粎鐢宠3涓鏈堢殑璐锋撅紝閭ｅ埄鎭渚挎槸3600/123=900