1. 2023騫達紝鍟嗕笟璐鋒懼熀鍑嗗埄鐜囨槸澶氬皯
涓銆2023騫達紝鍟嗕笟璐鋒懼熀鍑嗗埄鐜囨槸澶氬皯
2023騫達紝涓鍥戒漢姘戦摱錛氫竴騫村唴錛堝惈涓騫達級璐鋒懼埄鐜4.35%錛屼竴鑷充簲騫達紙鍚浜斿勾錛夎捶嬈懼埄鐜4.75%銆傚傝￥鐩鍓嶏紝鍟嗕笟璐鋒懼熀鍑嗗埄鐜囦負4.9銆傚彈闄愯喘闄愯捶鏀跨瓥褰卞搷錛屽湴鏂歸摱琛屽歸栧楁埧璐峰埄鐜囩殑璋冩暣涓嶅悓銆傚叏鍥介栧楁埧騫沖潎鍒╃巼涓5.38%錛屽埄鐜囨櫘閬嶆簮婕忎笂鍗5%-20%銆備簩濂楁埧璐鋒懼埄鐜囦竴鑸涓婂崌10%-30%銆
鍏縐閲戣捶嬈懼熀鍑嗗埄鐜囦負錛氫簲騫翠互涓嬶紙鍚錛夎捶嬈懼埄鐜2.75%錛屽悓鏈熷叕縐閲戜簲騫翠互涓婅捶嬈懼熀鍑嗗埄鐜囦負3.25%錛屼簩濂楁埧璐鋒懼埄鐜囨櫘閬嶄笂鍗10%銆備腑鍥戒漢姘戦摱琛屽叕甯冪殑鏂拌捶嬈懼熀鍑嗙矖絝栧埄鐜囦互涓鍥戒漢姘戦摱琛屽叕甯冪殑鏈鏂板埄鐜囦負鍑
涓銆佸旀墭璐鋒撅細
濮旀墭璐烽浌紱呯儌嬈炬槸鎸囩敱鏀垮簻閮ㄩ棬銆佷紒涓氫簨涓氬崟浣嶅拰涓浜鴻鏄庢牴鎹瀹㈡埛紜瀹氶濄佹湡闄愮『瀹氱殑璐鋒懼硅薄銆佺敤閫旂潱鍜屽崗鍔╂敹鍥炵殑璐鋒俱傝捶鎵嬬畫璐癸紝涓嶆壙鎷呰捶嬈鵑庨櫓銆
2.淇＄敤璐鋒:
淇＄敤璐鋒炬槸鎸囦互鍊熸句漢鐨勫０瑾夊彂閮戝拰鏀劇殑璐鋒俱傚叾鐗圭偣鏄鍊哄姟浜轟笉闇瑕佹彁渚涙姷鎶煎搧鎴栫涓夋柟鎷呬繚棰ゆ粴錛屽彧鑳藉嚟鑷宸辯殑澹拌獕鑾峰緱璐鋒撅紝騫朵互鍊熸句漢鐨勪俊鐢ㄧ▼搴︿綔涓鴻繕嬈炬媴淇濆博涓涘ぇ銆傝繖縐嶄俊鐢ㄨ捶嬈炬槸涓鍥介摱琛岄暱鏈熶互鏉ョ殑涓昏佽捶嬈炬柟寮忋
浜屻2023騫存埧璐峰埄鐜囪＄畻
2022騫村叏騫達紝涓庢埧璐鋒寕閽╃殑5騫存湡浠ヤ笂LPR鍏變笅璋冧笁嬈★紝緔璁′笅闄35涓鍩虹偣銆傚睍鏈2023騫達紝鏈夊競鍦鴻傜偣縐5騫存湡浠ヤ笂LPR浠嶆湁涓嬭岀┖闂達紝璐鎴誇漢鐨勮礋鎷呮湁鏈涜繘涓姝ラ檷浣庛2022騫碙PR緇忓巻鏈澶ч檷騫呭湪鍒氬垰榪囧幓鐨2022騫達紝LPR鎶ヤ環緇忓巻浜嗛檷騫呮渶澶х殑涓騫達紝5騫存湡浠ヤ笂LPR涓鍏辯粡鍘嗕簡涓夋′笅璋冿細鍒嗗埆鏄2022騫1鏈20鏃ワ紝浠4.65%闄嶈嚦4.6%錛屼笅璋5涓鍩虹偣錛2022騫5鏈20鏃ワ紝浠4.6%闄嶈嚦4.45%錛屼笅璋15涓鍩虹偣錛2022騫8鏈22鏃ワ紝浠4.45%闄嶈嚦4.3%錛屼笅璋15涓鍩虹偣銆備笁嬈¤皟鏁村叡璁′笅璋35涓鍩虹偣錛岄殢鍚嶭PR涓鐩粹滄寜鍏典笉鍔ㄢ濓紝2022騫12鏈堝叕甯冪殑5騫存湡浠ヤ笂LPR鎶ヤ環渚濈劧涓4.3%銆侺PR璋冮檷鍜屾埧璐鋒湁浠涔堝叧緋伙紵浠2019騫8鏈堝紑濮嬶紝澶琛屽疄琛屾埧璐峰埄鐜囨柊鏀跨瓥錛屼綇鎴垮晢璐峰埄鐜囦互鏈榪戜竴涓鏈堢浉搴旀湡闄愮殑璐鋒懼競鍦烘姤浠峰埄鐜(LPR)涓哄畾浠峰熀鍑嗗姞鐐瑰艦鎴愶紝涔熷氨鏄鎴胯捶鍒╃巼=LPR鍥哄畾鍩虹偣銆傝繖涔熸剰鍛崇潃錛屼粠璁＄畻鍏寮忕湅錛屽傛灉LPR鎶ヤ環閮ㄥ垎鏈夋墍璋冩暣錛屽垯鎴胯捶鍒╃巼涔熶細鐩稿簲璋冩暣銆傛柊涔版埧鐨勮喘鎴誇漢錛屾埧璐峰埄鐜囦腑LPR鐨勬姤浠蜂互鏈榪戜竴涓鏈堜負鍑嗐備絾浼楁墍鍛ㄧ煡錛屼綇鎴垮競鍦轟腑榪樻湁璁稿氶夋嫨20騫存湡銆30騫存湡璐鋒句拱鎴跨殑鑰佽喘鎴誇漢銆傚逛簬榪欓儴鍒嗗瓨閲忚捶嬈劇敤鎴鳳紝濡傛灉閫夋嫨鐨勬槸鍥哄畾鍒╃巼錛屽墿浣欒捶嬈炬湡闄愬唴鐨勫埄鐜囦笉浼氶殢鐫LPR鐨勫彉鍖栬屽彉鍖栵紱濡傛灉瀛橀噺閫夋嫨鐨勬槸閿氬畾LPR鐨勯潪鍥哄畾鍒╃巼錛屽垯姣忓勾灝嗘湁涓嬈″埄鐜囬噸鏂拌皟鏁達細涓縐嶆槸鏍規嵁鎴胯捶璧鋒伅鏃ワ紝鍦ㄤ笅涓騫村瑰簲鐨勬棩鏈熻皟鏁存埧璐峰埄鐜囷紱榪樻湁涓縐嶆槸綰﹀畾閲嶅畾浠峰懆鏈熶負1騫達紝璐鋒懼埄鐜囦簬涓嬩竴騫1鏈1鏃ヨ皟鏁達紝渚濇嵁涓婂勾12鏈堢殑5騫存湡浠ヤ笂LPR錛岀『瀹氬綋騫村叏騫寸殑瀛橀噺鎴胯捶鍒╃巼姘村鉤銆備互鍖椾含鍦板尯涓轟緥錛岀洰鍓嶉摱琛屾墽琛岀殑棣栧楁埧璐峰埄鐜囦負LPR55涓鍩虹偣錛岄噸鏂板畾浠峰悗錛孡PR鎶ヤ環閮ㄥ垎灝嗘寜鐓4.3%鎵ц岋紝瀵逛簬閫夋嫨1鏈1鏃ヤ負閲嶆柊瀹氫環鏃ョ殑榪樿捶鑰咃紝鏈鏈堣搗鎴胯捶鍒╃巼鍒欎負4.30%55涓鍩虹偣錛屽嵆4.85%銆傚叕縐閲戞埧璐鋒寜鏂板埄鐜囨墽琛岃拌呯畻浜嗙瑪璐︼紝浠100涓囧厓璐鋒鵑噾棰濄30騫存湡絳夐濇湰鎮榪樻劇殑鎸夋彮璐鋒句負渚嬶紝鍦2022騫村埄鐜囪皟鏁翠箣鍓嶏紝LPR涓4.65%錛屾湀渚涢噾棰濅負5156鍏冿紱2022騫存渶鍚庝竴嬈LPR鍏甯冧互鍚庯紝2023騫碙PR灝嗛檷鑷4.3%錛屾湀渚涢噾棰濅負4948鍏冿紝鐩歌緝2022騫存湀渚涘噺灝208鍏冦傛槗灞呯爺絀墮櫌鏅哄簱涓蹇冪爺絀舵葷洃涓ヨ穬榪涜〃紺猴紝涓嶈烘槸浠婂勾鏂拌喘鎴垮拰宸茬粡鍦ㄨ繕璐風殑璐鎴胯呴兘灝嗕韓鍙楀埌鍘誨勾LPR涓嬭皟甯︽潵鐨勫埄濂姐備笉榪囷紝璁拌呬簡瑙ｅ埌錛岀敱浜庢瘡浣嶈喘鎴胯呯殑瀹為檯鎴胯捶鍒╃巼浼氫笉鐩稿悓錛岃捶嬈炬湡闄愪篃鏈夊樊寮傦紝瀹為檯鍑忓皯鐨勫埄鎮涔熶細鍚勪笉鐩稿悓銆傗滅敱浜庝漢姘戦摱琛屽熀鍑嗗埄鐜囪皟鏁達紝鎮ㄤ釜浜轟簩鎵嬫埧鎸夋彮璐鋒懼埄鐜囧皢璋冩暣涓4.85%銆傗濆寳浜甯傛皯浠誨コ澹鏀跺埌浜嗛摱琛屽彂鏉ョ殑鐭淇★紝濂圭畻浜嗕笅鏈堜緵鑳藉皯250鍏冨乏鍙熾傚競姘戞潕濂沖＋鎯婂枩鍦板彂鐜幫紝2022騫存湀渚涗負9063鍏冿紝榪欎釜鏈堝紑濮嬮檷鍒頒簡8778鍏冿紝姣忔湀鑳藉皯榪285鍏冦傛ゅ栵紝瀛橀噺鍏縐閲戣捶嬈句篃浜2023騫1鏈1鏃ラ噸鏂板畾浠楓傚氬湴浣忔埧鍏縐閲戠＄悊涓蹇冭〃紺猴紝瀵逛簬2022騫10鏈1鏃ュ墠宸插彂鏀炬湭鍒版湡鐨勯栧椾釜浜轟綇鎴垮叕縐閲戣捶嬈撅紝鑷2023騫1鏈1鏃ヨ搗鎸夎皟鏁村悗鐨勬柊鍒╃巼鎵ц岋紝闄嶅箙鍦0.15涓鐧懼垎鐐廣2023騫碙PR浠嶅瓨涓嬭皟絀洪棿鍦ㄨ繃鍘葷殑涓騫達紝鈥滈栧楁埧璐峰埄鐜囦笅闄愭斁瀹解濃滈檷棣栦粯鈥濃滄澗緇戦檺璐闄愯捶鈥濈瓑鏀跨瓥鎸佺畫钀藉湴錛屼負璐鎴胯呭甫鏉ヤ簡瀹炲疄鍦ㄥ湪鐨勪紭鎯狅紝闄嶄綆浜嗚喘鎴塊棬妲涘拰鍘嬪姏銆備粠榪戞湡閲戣瀺鏁版嵁鐪嬶紝浣忔埛璐鋒劇壒鍒鏄浣忔埛涓闀挎湡璐鋒懼為暱鐩稿逛箯鍔涳紝鍙嶆槧鍑哄眳姘戞秷璐規剰鎰垮拰鑳藉姏浠嶇劧涓嶈凍錛屼笟鍐呭懠鍚佹湁蹇呰佽繘涓姝ュ紩瀵糒PR涓嬭屻傚ぎ琛屼簬榪戞棩琛ㄧず錛屽洜鍩庢柦絳栨敮鎸佸垰鎬у拰鏀瑰杽鎬т綇鎴塊渶奼傦紝鍋氬ソ鏂板競姘戙侀潚騫翠漢絳変綇鎴塊噾鋙嶆湇鍔°備弗璺冭繘璁や負錛屾埧鍦頒駭甯傚満鑾峰緱鏇村氭斂絳栨敮鎸侊紝浠婂勾灝嗘槸鎴胯捶鎴愭湰緇х畫闄嶄綆鐨勫叧閿涔嬪勾銆傚湪姘戠敓閾惰岄栧腑緇忔祹瀛﹀舵俯褰鐪嬫潵錛岃繎鏈熷悇欏圭ǔ緇忔祹鏀跨瓥涓嶆柇鍑哄彴錛屾湁鍒╀簬榪涗竴姝ヤ俊璐烽渶奼傘佹縺媧諱富浣撴椿鍔涖佷績榪涙ゼ甯傚洖鏆栵紝騫舵湁鍒╀簬娑堣垂鍥炲崌錛2023騫碙PR浠嶅瓨鍦ㄤ笅璋冪┖闂達紝涓瀛ｅ害瀛樺湪璋冮檷LPR鐨勫彲鑳姐傛嫑鑱旈噾鋙嶉栧腑鐮旂┒鍛樿懀甯屾芳寤鴻錛屽簲緇х畫寮曞糒PR灝ゅ叾鏄5騫存湡浠ヤ笂LPR閫傚害涓嬭岋紝鏃㈠噺杞誨眳姘戜綇鎴挎秷璐硅礋鎷呭張嬋鍙戜紒涓氫腑闀挎湡鋙嶈祫闇奼傦紝淇冭繘鎴垮湴浜у競鍦哄鉤紼沖仴搴峰彂灞曪紝鏇村ソ鍦版帹鍔ㄥ畯瑙傜粡嫻庣ǔ姝ユ仮澶嶏紝棰勮2023騫1鏈堟垨2鏈堟槸LPR涓嬮檷鐨勬椂闂寸獥鍙ｃ傛硶寰嬩緷鎹錛氥婁笓欏歸檮鍔犳墸闄ゆ殏琛屽姙娉曘嬭勫畾錛岀撼紼庝漢鏈浜烘垨鑰呴厤鍋跺崟鐙鎴栬呭叡鍚屼嬌鐢ㄥ晢涓氶摱琛屾垨鑰呬綇鎴垮叕縐閲戜釜浜轟綇鎴胯捶嬈句負鏈浜烘垨鑰呭叾閰嶅伓璐涔頒腑鍥藉冨唴浣忔埧錛屽彂鐢熺殑棣栧椾綇鎴胯捶嬈懼埄鎮鏀鍑猴紝鍦ㄥ疄闄呭彂鐢熻捶嬈懼埄鎮鐨勫勾搴︼紝鎸夌収姣忔湀1000鍏冪殑鏍囧噯瀹氶濇墸闄わ紝鎵ｉ櫎鏈熼檺鏈闀誇笉瓚呰繃240涓鏈堛
涓夈2023騫村晢璐峰熀鍑嗗埄鐜囧氬皯錛
鍥炵瓟鏄錛2023騫村晢璐鋒病鏈夊熀鍑嗗埄鐜囥傚洜涓轟粠2019騫10鏈8鏃ュ紑濮嬶紝浜烘皯閾惰屾敼闈╄捶嬈懼熀鍑嗗埄鐜囨ā寮忥紝褰㈡垚LPR鏈哄埗錛屾瘡鏈20鏃ュ叏鍥介摱琛岄棿鍚屼笟鎷嗗熶腑蹇冭＄畻騫跺叕甯僉PR鍩虹鍒╃巼錛岀洰鍓嶏紝LPR宸茬粡鎴愪負閲戣瀺鏈烘瀯璐鋒懼畾浠風殑涓昏佸弬鑰冿紝鍖呮嫭1騫存湡鍜5騫存湡浠ヤ笂涓や釜鍝佺嶃傛墍浠ワ紝2023騫村晢璐峰凡緇忔病鏈夊熀鍑嗗埄鐜囦簡銆
鍥涖佸晢璐峰埄鐜囨槸4.9鈪1.08鏄澶氬皯
琛ㄧず鍟嗚捶鍒╃巼鍦ㄥ熀鍑嗗埄鐜4.9%鍩虹涓婏紝涓婃誕8%
鍐嶇湅鐪嬪埆浜烘庝箞璇寸殑銆
2. 鍟嗕笟璐鋒炬渶鏂板勾鍒╃巼鏄澶氬皯錛
涓銆佸晢涓氳捶嬈炬渶鏂板勾鍒╃巼鏄澶氬皯錛
鍟嗕笟璐鋒懼埄鐜2022鏈鏂板埄鐜囪〃濡備笅錛
1銆佸ぎ琛岋細
鍏涓鏈堬紙鍚鍏涓鏈堬級鍒╃巼鏄4.35%錛屽叚涓鏈堣嚦涓騫達紙鍚涓騫達級鍒╃巼鏄4.35%錛屼竴鑷充笁騫達紙鍚涓夊勾錛夊埄鐜囨槸4.75%錛屼笁鑷充簲騫達紙鍚浜斿勾錛夊埄鐜囨槸4.75%錛屼簲騫翠互涓婂埄鐜囨槸4.9%錛屼綇鎴垮叕縐閲戣捶嬈句簲騫翠互涓嬶紙鍚浜斿勾錛夊埄鐜囨槸2.75%錛屼簲騫翠互涓婂埄鐜囨槸3.25%銆
2銆佸伐鍟嗛摱琛岋細
鍏涓鏈堬紙鍚鍏涓鏈堬級鍒╃巼鏄4.35%錛屽叚涓鏈堣嚦涓騫達紙鍚涓騫達級鍒╃巼鏄4.35%錛屼竴鑷充笁騫達紙鍚涓夊勾錛夊埄鐜囨槸4.75%錛屼笁鑷充簲騫達紙鍚浜斿勾錛夊埄鐜囨槸4.75%錛屼簲騫翠互涓婂埄鐜囨槸4.9%錛屼綇鎴垮叕縐閲戣捶嬈句簲騫翠互涓嬶紙鍚浜斿勾錛夊埄鐜囨槸2.75%錛屼簲騫翠互涓婂埄鐜囨槸3.25%銆
3銆佸啘涓氶摱琛岋細
鍏涓鏈堬紙鍚鍏涓鏈堬級鍒╃巼鏄4.35%錛屽叚涓鏈堣嚦涓騫達紙鍚涓騫達級鍒╃巼鏄4.35%錛屼竴鑷充笁騫達紙鍚涓夊勾錛夊埄鐜囨槸4.75%錛屼笁鑷充簲騫達紙鍚浜斿勾錛夊埄鐜囨槸4.75%錛屼簲騫翠互涓婂埄鐜囨槸4.9%錛屼綇鎴垮叕縐閲戣捶嬈句簲騫翠互涓嬶紙鍚浜斿勾錛夊埄鐜囨槸2.75%錛屼簲騫翠互涓婂埄鐜囨槸3.25%銆
4銆佸緩璁鵑摱琛岋細
鍏涓鏈堬紙鍚鍏涓鏈堬級鍒╃巼鏄4.35%錛屽叚涓鏈堣嚦涓騫達紙鍚涓騫達級鍒╃巼鏄4.35%錛屼竴鑷充笁騫達紙鍚涓夊勾錛夊埄鐜囨槸4.75%錛屼笁鑷充簲騫達紙鍚浜斿勾錛夊埄鐜囨槸4.75%錛屼簲騫翠互涓婂埄鐜囨槸4.9%錛屼綇鎴垮叕縐閲戣捶嬈句簲騫翠互涓嬶紙鍚浜斿勾錛夊埄鐜囨槸2.75%錛屼簲騫翠互涓婂埄鐜囨槸3.25%銆
5銆佷腑鍥介摱琛岋細
鍏涓鏈堬紙鍚鍏涓鏈堬級鍒╃巼鏄4.35%錛屽叚涓鏈堣嚦涓騫達紙鍚涓騫達級鍒╃巼鏄4.35%錛屼竴鑷充笁騫達紙鍚涓夊勾錛夊埄鐜囨槸4.75%錛屼笁鑷充簲騫達紙鍚浜斿勾錛夊埄鐜囨槸4.75%錛屼簲騫翠互涓婂埄鐜囨槸4.9%錛屼綇鎴垮叕縐閲戣捶嬈句簲騫翠互涓嬶紙鍚浜斿勾錛夊埄鐜囨槸2.75%錛屼簲騫翠互涓婂埄鐜囨槸3.25%銆
浜屻佹渶鏂頒綇鎴垮晢涓氳捶嬈懼埄鎮琛ㄥ睍紺
鏈鏂頒綇鎴垮晢涓氳捶嬈懼埄鎮琛ㄥ睍紺猴細鍟嗕笟璐鋒(絳夐濇湰鎮)鏈熼檺鍒╃巼涓囧厓鏈堣繕嬈鵑濆勾(%)鏈(%)15.81涓嬈′粯娓呭晢涓氳捶嬈(絳夐濇湰閲)鏈熼檺鍒╃巼涓囧厓鏈堣繕嬈鵑濆勾(%)鏈(%)15.81涓嬈′粯娓
涓夈佺幇鍦ㄤ綇鎴垮晢涓氳捶嬈懼埄鐜囨槸澶氬皯?
鑷2019騫10鏈8鏃ヨ搗錛屼互鏈榪戜竴涓鏈堢浉搴擯R錛変負瀹氫環鍩哄噯鍔犵偣褰0鏃ョ殑LPR錛屽叏鍥借寖鍥村唴鏂板彂鏀劇殑棣栧椾釜浜轟綇鎴胯捶嬈懼埄鐜囦笉寰椾綆浜4.85%錛屼簩濂楁埧璐鋒懼埄鐜囦笉寰椾綆浜5.45%銆
浣忔埧璐鋒懼埄鐜囷紝鍏惰＄畻鍏寮忎負璐鋒懼埄鎮=璐鋒鵑噾棰濊捶嬈懼埄鐜囪捶嬈炬湡闄=璐鋒鵑噾棰濆ぉ鏁版棩鍒╃巼=璐鋒鵑噾棰濇湀鏁版湀鍒╃巼=璐鋒鵑噾棰濆勾騫村埄鐜
鐢寵鋒潯浠
1銆佽捶嬈懼硅嚜鐒朵漢銆
2銆佸叿鏈夊煄闀囧父浣忔埛鍙ｆ垨鏈夋晥灞呯暀韜浠,鍗寵佹眰鍊熸句漢鏈夊悎娉曠殑韜浠姐
3銆佸ソ,鏈夊伩榪樿捶嬈炬湰鎮鐨勮兘鍔涖
4銆佸規湁浜涜稿樊寮傘
5銆佹湁璐鋒句漢璁ゅ彲鐨勮祫浜т綔鎶墊娂鎴栬川鎶,鎴栨湁絎﹀悎瑙勫畾鏉′歡銆佸叿澶囦唬鍋胯兘鍔涚殑鍗曚綅鎴栦釜浜轟綔涓哄伩榪樿捶嬈炬湰鎮騫舵壙鎷呰繛甯﹁矗浠葷殑淇濊瘉浜恆
6銆佸叿鏈夎喘鎴垮悎鍚屾垨鍗忚銆
7銆佽捶嬈句漢瑙勫畾鐨勫叾浠栨潯浠躲
浠ヤ笂鍐呭瑰弬鑰冿細
浜烘皯緗-澶琛屽叕甯冩渶鏂扮増涓浜轟綇鎴胯捶嬈懼埄鐜囨渶浣庢爣鍑
鐧懼害鐧劇-浣忔埧鍟嗕笟璐鋒懼埄鐜
3. 涓鍥介摱琛屾埧璐峰埄鐜囪〃2022鏈鏂板埄鐜
涓銆佷腑鍥介摱琛屾埧璐峰埄鐜囪〃2022鏈鏂板埄鐜
LPR鏈鏂版姤浠峰埄鐜囷細1騫存湡3.7%錛5騫存湡浠ヤ笂4.6%銆
鍚勯摱琛屽湪姝ゅ熀紜涓婂彲閫傚綋嫻鍔ㄣ
B.2022騫村晢涓氳捶嬈懼埄鐜囨槸澶氬皯
澶琛岃捶嬈懼熀鍑嗗埄鐜囷細鐭鏈熻捶嬈(鍏涓鏈堝唴銆佸惈鍏涓鏈)鐨勮捶嬈懼埄鐜囦負4.35%;鍏涓鏈堣嚦涓騫(鍚涓騫)鐨勮捶嬈懼埄鐜囦負4.35%銆備竴鑷充笁騫(鍚涓夊勾)鐨勮捶嬈懼埄鐜囦負4.75%錛屼簲騫翠互涓婄殑璐鋒懼埄鐜囦負4.9%銆傚晢涓氳捶嬈句竴鑸閫氳繃閾惰岀敵璇鳳紝鍟嗕笟璐鋒劇殑鍒╃巼鐩稿逛簬涓旀瘡瀹墮摱琛屾湁鑷宸辯殑鍒╃巼娉曡勩傚叿浣撶殑璐鋒懼埄鐜囬渶瑕佺粨鍚堜綘鐢寵風殑涓氬姟鍝佺嶃佷俊鐢ㄧ姸鍐點佹媴淇濇柟寮忕瓑鍥犵礌榪涜岀患鍚堣瘎瀹氾紝闇緇忓姙緗戠偣瀹℃壒鍚庢墠鑳界『瀹氥
1銆佸伐鍟嗛摱琛
宸ュ晢閾惰屽湪2022騫撮噷錛岀煭鏈熷叚涓鏈)鐨勮捶嬈懼埄鐜囦負4.35%璐鋒懼埄鐜囦負4.35%銆備竴鑷充笁騫(鍚涓夊勾)鐨勮捶嬈懼埄鐜囦負4.75%錛屼簲騫翠互涓婄殑璐鋒懼埄鐜囦負4.9%銆
濡傛灉鏄鍏縐閲戣捶嬈撅紝浜斿勾浠ヤ笅(鍚浜旈敭濉屽勾)鐨勮捶嬈懼埄鐜囦負2.75%;浜斿勾浠ヤ笂鐨勮捶嬈懼埄鐜囦負3.25%銆
2銆佸啘涓氶摱琛
2022騫達紝鍐滀笟閾惰岀煭鏈熻捶嬈(鍏涓鏈堝唴銆佸惈鍏涓鏈)鐨勮捶嬈懼埄鐜囦負4.35%;涓鑷充簲騫(鍚浜斿勾)鐨勮捶嬈懼埄鐜囦負4.75%錛屼簲騫翠互涓婄殑璐鋒懼埄鐜囦負4.9%銆備釜浜轟綇鎴垮叕縐閲戣捶75%錛屼簲騫村強浠ヤ笂鐨勮捶嬈懼埄鐜
3銆佸ぎ琛
2022騫達紝涓鍥戒漢鍚嶉摱琛屼竴騫翠互鍐(鍚涓騫)鐨勮捶嬈懼埄鐜囦負4.35%錛屼竴鑷充簲騫(鍚浜斿勾)鐨勮捶嬈懼埄鐜囦負4.75%錛屼簲騫翠互涓婄殑璐鋒懼埄鐜囦負4.9%銆備釜浜轟綇鎴垮叕縐閲戣捶嬈撅紝浜斿勾鍙婁互涓嬬殑璐鋒懼埄鐜囦負2.75%錛屼簲騫村強浠ヤ笂鐨勮捶嬈懼埄鐜囦負3.25%銆傚垎欏墊爣棰#
4銆佷氦閫氶摱琛
2022騫磋捶嬈懼埄鐜囦負4.35%錛屼竴鑷充簲騫(鍚浜斿勾)鐨勮捶嬈懼埄鐜囦負4.75%錛屼簲騫翠互涓婄殑璐鋒懼埄鐜囦負4.9%銆
5銆佸緩璁鵑摱琛
2022騫達紝寤鴻鵑摱琛岀煭鏈熻捶嬈(鍏涓鏈堝唴銆佸惈鍏涓鏈)鐨勮捶嬈懼埄鐜囦負4.35%;涓鑷充簲騫(鍚浜斿勾)鐨勮捶嬈懼埄鐜囦負4.75%錛屼簲騫翠互涓婄殑璐鋒懼埄鐜囦負4.9%銆
6銆侀偖鍌ㄩ摱琛
2022騫達紝閭鍌ㄩ摱琛岋紝(鍏涓鏈堝唴銆佸惈鍏涓鏈)鐨勮捶嬈懼埄鐜囦負4.35%;涓鑷充簲騫(鍚浜斿勾)鐨勮捶嬈懼埄鐜囦負4.75%錛屼簲騫翠互涓婄殑璐鋒懼埄鐜囦負4.9%銆
C.2022騫存埧璐峰埄鐜囧悇澶ч摱琛屼竴瑙堣〃
鍚勫ぇ閾惰屾埧璐峰埄鐜囷細
1銆佸緩璁鵑摱琛
棣栧楀埄鐜囷細5.9%(LPR125BP)浜屽楀埄鐜囷細6.35%(LPR170BP)
2銆佸伐鍟嗛摱琛
棣栧楀埄鐜囷細5.9%(LPR125BP)浜屽楀埄鐜囷細6.1%(LPR145BP)
3銆佸啘涓氶摱琛
棣栧楀埄鐜囷細5.8%(LPR115BP)浜屽楀埄鐜囷細5.95鈥(LPR130BP)
4銆佷腑鍥介摱琛
棣栧楀埄鐜囷細6.35%(LPR170BP)浜屽楀埄鐜囷細6.5%(LPR150BP)
鐩鍓嶆垜鍥芥瘮杈冨ぇ鐨勯摱琛屾湁涓鍥介摱琛屻佸伐鍟嗛摱琛屻佸緩璁鵑摱琛屻佸啘涓氶摱琛屻佷氦閫氶摱琛屼互鍙婇偖鍌ㄩ摱琛岋紝榪欎簺姣旇緝澶х殑閾惰岃捶嬈懼埄鐜囬兘鏄浠ュぎ琛屾皬鏃╁熀鍑嗗埄鐜囦負鍩虹鐨勭殑銆
涓騫翠互涓(鍚涓騫)鍒╃巼涓4.35%;涓騫磋嚦浜斿勾(鍚浜斿勾)鍒╃巼涓4.75%;浜斿勾浠ヤ笂涓哄埄鐜4.9%;浣跨敤鍏縐閲戣捶嬈句簲騫翠互涓(鍚浜斿勾)鍒╃巼涓2.75%錛屼簲騫翠互涓婂埄鐜囦負3.25%銆傚垎欏墊爣棰#e#
2022騫2鏈21鏃ヨ捶嬈懼競鍦烘姤浠峰埄鐜(LPR)涓猴細1騫存湡LPR涓3.7%錛5騫存湡浠ヤ笂LPR涓4.6%銆備互涓奓PR鍦ㄤ笅涓嬈″叕甯僉PR涔嬪墠鏈夋晥銆
璐鋒懼競鍦烘姤浠峰埄鐜(LPR)鐢卞悇鎶ヤ環琛屾寜鍏寮甯傚満鎿嶄綔鍒╃巼(涓昏佹寚涓鏈熷熻捶渚垮埄鍒╃巼)鍔犵偣鏋勬垚鐨勬柟娉曟姤浠鳳紝鐢辯挎牳鍦嗗叏鍥介摱琛岄棿鍚屼笟鎷嗗熶腑蹇冩牳綆楀緱鍑猴紝涓洪摱琛岃捶嬈炬彁渚涘畾浠峰弬鑰冦侺PR鎶ヤ環琛岀幇鍦ㄥ寘鍚18瀹墮摱琛岋紝姣忔湀20鏃(閬囪妭鍋囨棩欏哄歡)9鏃跺墠錛屽悇鎶ヤ環琛屼互0.05涓鐧懼垎鐐逛負姝ラ暱錛屽悜鍏ㄥ浗閾惰岄棿鍚屼笟鎷嗗熶腑蹇冩彁浜ゆ姤浠鳳紝鍏ㄥ浗閾惰岄棿鍚屼笟鎷嗗熶腑蹇冩寜鍘繪帀鏈楂樺拰鏈浣庢姤浠峰悗綆楁湳騫沖潎錛屽苟鍚0.05%鐨勬暣鏁板嶅氨榪戝彇鏁存牳綆楀緱鍑篖PR錛屼簬褰撴棩9鏃30鍒嗗叕甯冿紝鍏浼楀彲鍦ㄥ叏鍥介摱琛岄棿鍚屼笟鎷嗗熶腑蹇冨拰澶琛岀綉絝欐煡璇銆傜幇鍦錛孡PR鍖呭惈1騫存湡鍜5騫存湡浠ヤ笂涓や釜鍝佺嶃傛牴鎹澶琛岄氬憡錛岃嚜2019騫8鏈20鏃ヨ搗錛岃捶嬈懼晢鍦烘姤浠峰埄鐜(LPR)鎸夋柊鐨勬瀯鎴愭満鍒舵姤浠峰苟鏍哥畻寰楀嚭銆
D.2022騫村悇涓閾惰屼竴鎵嬫埧璐鋒懼埄鐜
鍗充究鏄涓嶅悓鐨勯摱琛岋紝鍦ㄤ笉鍚岀殑鍦版柟錛屼竴鎵嬫埧璐鋒懼埄鐜囦篃鏄涓嶅悓鐨
鏈夌殑闄愯喘鍩庡競涓鎵嬫埧鐨勫埄鐜囦篃鏄鏈変笂嫻鐨
E.2022騫存埧璐峰埄鐜囧氬皯
2022鍚勫ぇ閾惰屾渶鏂版埧璐峰埄鐜
閾惰岄栧楁埧鎵ц屽埄鐜囦簩濂楁埧鎵ц屽埄鐜
寤鴻鵑摱琛6.2266.27
涓鍥介摱琛6.1256.37
宸ュ晢閾惰6.1255.28
涓淇￠摱琛6.1256.125
鍏夊ぇ閾惰6.1256.3
鍏翠笟閾惰5.886.86-7.35
嫻﹀彂閾惰5.886.37
騫沖畨閾惰5.886.37
鍐滀笟閾惰5.886.125
騫垮彂閾惰5.886.12
姘戠敓閾惰5.886.09
閲嶅簡閾惰5.886.125
鍗庡忛摱琛5.886.125
閭鍌ㄩ摱琛5.786.125
鎴愰兘閾惰5.736.27
鑺辨棗閾惰5.6355.88
奼囦赴閾惰5.6355.88
鍏縐閲6-6.2726.22-6.37鍒嗛〉鏍囬#e#
棣栧楁埧鏈8瀹墮摱琛岀殑棣栧楁埧璐鋒懼埄鐜囦負5.88%;宸ュ晢閾惰屻佷腑鍥介摱琛屻佸伐鍟嗛摱琛屽拰涓淇￠摱琛岀殑棣栧楁埧鎴胯捶鍒╃巼涓6.125%銆
鍦ㄧ浉鍏崇殑閾惰屼箣涓錛屾埧璐峰埄鐜囨渶浣庣殑鏄嫻﹀彂閾惰岋紝鍗佸垎浼樿川鐨勫㈡埛鍒╃巼鏈浣庡彲浠ュ仛鍒5.635%錛岃鋒敞鎰忥紝涓嶆槸浜轟漢閮借兘浜鍙楀埌鏈浣庡埄鐜囷紝鑰屾槸瑕佸叿浣撶湅璐鋒句漢鐨勮亴涓氥佸緛淇″拰鏀跺叆絳夎祫璐ㄦ墠鑳界『瀹氥
鍏夊ぇ閾惰屾垚閮藉垎琛岃惀涓氶儴鐨勪釜璐烽儴瀹㈡埛緇忕悊琛ㄧず錛屽傛灉璐鎴胯呯殑璐鋒鵑噾棰濆湪50涓囦互涓婏紝璐鋒懼埄鐜囨渶浣庢槸6.1%錛屽傛灉鍦50涓囦互涓嬶紝鍒欐渶浣庢槸6.3%銆
F.2022騫村悇閾惰屾埧璐峰埄鐜囦竴瑙堣〃
浠ヤ笅鏄浜斿勾鏈熶互涓婄殑璐鋒懼埄鐜囷紝姣忎釜閾惰屼細鏈夌暐寰涓嶅悓銆
騫沖畨閾惰岋細棣栧楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.08%錛屾墽琛岃捶嬈懼埄鐜囦負5.73%銆傜浜屽楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.32%錛屾墽琛岃捶嬈懼埄鐜囦負5.97%銆
涓鍥藉啘涓氶摱琛岋細棣栧楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.03%錛屾墽琛岃捶嬈懼埄鐜囦負5.68%銆傜浜屽楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.28%錛屾墽琛岃捶嬈懼埄鐜囦負5.93%銆
鍏翠笟閾惰岋細棣栧楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.03%錛屾墽琛岃捶嬈懼埄鐜囦負5.68%銆傜浜屽楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.28%錛屾墽琛岃捶嬈懼埄鐜囦負5.93%銆
涓鍥藉伐鍟嗛摱琛岋細棣栧楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.13%錛屾墽琛岃捶嬈懼埄鐜囦負5.78%銆傜浜屽楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.33%錛屾墽琛岃捶嬈懼埄鐜囦負5.98%銆
涓鍥介摱琛岋細棣栧楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.03%錛屾墽琛岃捶嬈懼埄鐜囦負5.68%銆傜浜屽楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.28%錛屾墽琛岃捶嬈懼埄鐜囦負5.93%銆
浜ら氶摱琛岋細棣栧楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.03%錛屾墽琛岃捶嬈懼埄鐜囦負5.68%銆傜浜屽楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.28%錛屾墽琛岃捶嬈懼埄鐜囦負5.93%銆
涓鍥藉緩璁鵑摱琛岋細棣栧楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.08%錛屾墽琛岃捶嬈懼埄鐜囦負5.73%銆傜浜屽楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.38%錛屾墽琛岃捶嬈懼埄鐜囦負6.03%銆
涓鍥介偖鍌ㄩ摱琛岋細棣栧楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.03%錛屾墽琛岃捶嬈懼埄鐜囦負5.68%銆傜浜屽楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.28%錛屾墽琛岃捶嬈懼埄鐜囦負5.93%銆
鎷涘晢閾惰岋細棣栧楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.03%錛屾墽琛岃捶嬈懼埄鐜囦負5.68%銆傜浜屽楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.28%錛屾墽琛岃捶嬈懼埄鐜囦負5.93%銆
鍏夊ぇ閾惰岋細棣栧楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.03%錛屾墽琛岃捶嬈懼埄鐜囦負5.68%銆傜浜屽楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.28%錛屾墽琛岃捶嬈懼埄鐜囦負5.93%銆
嫻﹀彂閾惰岋細棣栧楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.03%錛屾墽琛岃捶嬈懼埄鐜囦負5.68%銆傜浜屽楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.28%錛屾墽琛岃捶嬈懼埄鐜囦負5.93%銆
騫垮彂閾惰岋細棣栧楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.03%錛屾墽琛岃捶嬈懼埄鐜囦負5.68%銆傜浜屽楁埧浜х殑鍩虹璐鋒懼埄鐜囦負4.65%錛屾定騫匓P涓1.28%錛屾墽琛岃捶嬈懼埄鐜囦負5.93%銆
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浜屻佷腑鍥介摱琛屾埧璐峰埄鐜
涓鍥介摱琛屾埧璐峰埄鐜囦竴鑸鍦ㄥ熀鍑嗗埄鐜囧熀紜涓婁細涓婃誕15.2%錛岄栧楁埧璐峰埄鐜5.64%宸﹀彸錛屼簩濂楁埧鍒╃巼鏄5.88%宸﹀彸錛屽叕縐閲戣捶嬈句簩濂楁埧鍒╃巼鏄3.55%宸﹀彸銆傛渶鏂扮殑璐鋒懼熀鍑嗗埄鐜囨槸錛1銆佸熸句竴騫翠互鍐呯殑鍒╃巼鏄4.35%銆2銆佸熸句竴鑷充簲騫寸殑鍒╃巼鏄4.75%銆3銆佸熸句簲騫翠互涓婂緱鍒╃巼鏄4.90%銆4銆佸叕縐閲戣捶嬈炬槸鍊熸句簲騫翠互涓(鍚浜斿勾)鐨勫埄鐜囨槸2.75%錛屽熸句簲騫翠互涓婄殑鍒╃巼鏄3.25%銆
涓嶅悓鐨勮捶嬈炬柟寮忚捶嬈劇殑鍒╃巼鏄涓嶅悓鐨勶紝鍏朵腑鍏縐閲戣捶嬈劇殑鍒╃巼鐩稿規潵璇翠細姣旇緝浣庯紝鑰屼笖璐鋒劇殑騫撮檺瓚婇暱錛岃捶嬈劇殑鍒╃巼涔熷氨浼氳秺楂橈紝鍚勯摱琛岄兘鏄鍦ㄥぎ琛屽熀鍑嗗埄鐜囦笂闈㈡誕鍔ㄧ殑銆備負浜嗗府鍔╁ぇ瀹朵簡瑙ｅ叿浣撳唴瀹癸紝涓嬫枃灝2022騫村悇澶ч摱琛屾埧璐瘋捶嬈懼埄鐜囦負澶у惰繘琛岃︾粏鐨勮存槑銆
2022騫達紝澶琛屼竴騫翠互鍐咃紙鍚涓騫達級鐨勮捶嬈懼埄鐜囦負4.35%錛屼竴鑷充簲騫達紙鍚浜斿勾錛夌殑璐鋒懼埄鐜囦負4.75%錛屼簲騫翠互涓婄殑璐鋒懼埄鐜囦負4.9%銆備釜浜轟綇鎴垮叕縐閲戣捶嬈撅紝浜斿勾鍙婁互涓嬬殑璐鋒懼埄鐜囦負2.75%錛屼簲騫村強浠ヤ笂鐨勮捶嬈懼埄鐜囦負3.25%銆
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2銆佸熸句漢鐨勫疄闄呭勾榫勫姞璐鋒劇敵璇鋒湡闄愪笉搴旇秴榪70宀侊紱
3銆佸叿鏈夌ǔ瀹氳亴涓氥佺ǔ瀹氭敹鍏ワ紝鎸夋湡鍋誇粯璐鋒炬湰鎮鐨勮兘鍔涳紱
4銆佸緛淇¤壇濂斤紝鏃犱笉鑹璁板綍錛岃捶嬈劇敤閫斿悎娉曪紱
5銆佺﹀悎閾惰岃勫畾鐨勫叾浠栨潯浠躲
絎﹀悎浠ヤ笂鏉′歡灝卞彲浠ュ湪褰撳湴鐨勯摱琛岀敵璇峰姙鐞嗚捶嬈句笟鍔°
鍥涖2023騫達紝鍟嗕笟璐鋒懼熀鍑嗗埄鐜囨槸澶氬皯錛燂紵錛
2023騫達紝涓鍥戒漢姘戦摱琛屽叕甯冪殑璐鋒懼熀鍑嗗埄鐜囦負錛氫竴騫村唴錛堝惈涓騫達級璐鋒懼埄鐜4.3騫達級璐鋒懼埄鐜4.75%銆傚傝￥鐩鍓嶏紝鍟嗕笟璐鋒懼熀鍑嗗埄鐜囦負4.90%錛岃捶嬈炬湡闄愯秴榪5騫淬傚彈闄愯喘闄愯捶鍒╃巼鐨勮皟鏁翠笉鍚屻傚叏鍥介栧楁埧騫沖潎鍒╂櫘閬嶄笂鍗5%-20%銆備簩濂楁埧璐鋒懼埄鐜囦竴鑸涓婂崌
鍏縐閲戣捶嬈懼熀鍑嗗埄鐜囦負錛氫簲騫翠互涓嬶紙鍚錛夎捶嬈懼埄鐜囦簲騫翠互涓婅捶嬈懼熀鍑嗗埄鐜囦負3.25%錛屼簩濂楁埧璐鋒懼埄鐜囨櫘閬嶄笂鍗10%鍒╃巼浠ヤ腑鍥戒漢姘戦摱琛屽叕甯冪殑鏈鏂板埄
涓銆佸旀墭璐鋒撅細
濮旀墭璐鋒炬槸鎸囩敱鏀垮簻閮ㄩ棬銆佷紒涓氫簨涓氬崟浣嶅拰涓浜烘牴鎹瀹㈡埛紜瀹氱殑璐鋒懼硅薄銆佺敤閫斻侀噾棰濄佹湡闄愮『瀹氱殑璐鋒懼硅薄銆佺敤閫斻侀噾棰濄佹湡闄愬拰鍒╃巼鍙戞斁銆佷漢錛堝彈鎵樹漢錛夎寗姍′綑鍙鏀跺彇鎵嬬畫璐癸紝涓嶆壙鎷呰捶嬈鵑庨櫓銆
2.淇＄敤璐鋒:
淇＄敤璐鋒炬槸鎸囦互鍊熸句漢鐨勫０瑾夊彂鏀劇殑璐鋒俱傚叾鐗圭偣鏄鍊哄姟浜轟笉闇瑕佹彁渚涙姷鎶煎搧鎴栫涓夋柟鎷呬繚棰ゆ粴錛屽彧鑳藉嚟鑷宸辯殑澹拌獕浣滀負榪樻炬媴淇濄傝繖縐嶄俊鐢ㄨ捶嬈炬槸涓鍥介摱琛岄暱