㈠ 2022骞存埧璐峰熀鐐规槸澶氬皯锛屽彲鍒嗕负涓ょ偣
1.鍟嗕笟璐锋:4.35%)4.35%锛屼竴鑷充簲骞(鍚浜斿勾)4.75%锛屼簲骞翠互涓4.9%锛
2.鍏绉閲戣捶娆:5骞翠互涓2.75%锛5骞翠互涓3.25%銆
杩欐槸涓鍥戒汉姘戦摱琛2022骞村叕甯冪殑璐锋惧熀鍑嗗埄鐜囷紝鍚勯摱琛岀殑鎶垫娂璐锋惧埄鐜囧湪姝ゅ熀纭涓婃尝鍔ㄣ備互涓婃槸2022骞存姷鎶艰捶娆惧熀鐐圭殑鐩稿叧鍐呭广
璐锋惧埄鐜囦笅璋冪殑褰卞搷鏄浠涔堬紵
濡傛灉璐锋惧熀鍑嗗埄鐜囬檷浣庯紝鎶垫娂璐锋惧埄鎭涔熶細闄嶄綆銆傜敱浜庤捶娆惧埄鎭鐨勮＄畻鏄鎸夋诞鍔ㄥ埄鐜囪＄畻鐨勶紝褰撻摱琛岃捶娆惧埄鎭璋冩暣鏃讹紝璐锋惧埄鎭鐨勫勾鍒╃巼涔熴傛崲鍙ヨ瘽璇达紝姣忔″ぎ琛岄檷鎭锛岀敤鎴风殑鏈堜緵閮介渶瑕佺浉瀵归檷浣庯紝鍙嶄箣浜︾劧銆備絾鏃犺哄備綍璋冩暣锛岄兘涓嶄細褰卞搷宸叉敮浠樼殑璐锋惧埄鎭锛屽彧浼氬奖鍝嶈皟鏁村悗鐨勮捶娆惧埄鎭銆傚悓鏃讹紝瀹為檯瀹炴柦璁″垝杩樺彇鍐充簬褰撴椂鐢ㄦ埛鐢宠疯捶娆炬椂涓庨摱琛岀捐㈢殑鎶垫娂璐锋惧埄鎭鍚堝悓銆
鎶垫娂璐锋鹃氬父闇瑕佸氶暱鏃堕棿鎵嶈兘鎵瑰噯
鐢ㄦ埛閫氬父瀹屾垚鎶垫娂璐锋剧敵璇锋祦绋嬶紝闇瑕20-30澶╂墠鑳借幏寰椾綇鎴胯捶娆俱傚傛灉浠栦滑閬囧埌鍋囨湡锛屼粬浠灏嗚鎺ㄨ繜銆備竴鑸鏉ヨ达紝閾惰岃惀涓氱綉鐐圭殑璐锋炬椂闂寸浉瀵硅緝闀裤傜敤鎴锋彁浜ょ敵璇峰悗锛岄摱琛岄渶瑕佺害7涓宸ヤ綔鏃ユ墠鑳芥壒鍑嗙敵璇蜂汉鐨勮祫鏍硷紝鐒跺悗閫氳繃鐢佃瘽鎴栫煭淇¤仈绯荤敵璇蜂汉鍒伴摱琛岀捐㈣捶娆惧悎鍚屻傚悎鍚岀捐㈠悗锛岃捶娆鹃渶瑕3-7澶┿
鐢ㄦ埛搴旀敞鎰忕殑鏄锛屽湪鍔炵悊璐锋炬墜缁鏃讹紝蹇呴』娉ㄦ剰缁曡繃鐗规畩鐨勬椂闂磋寖鍥淬傜敱浜庨摱琛岃捶娆捐祫閲戠浉瀵规湁闄愶紝鏈夋椂閾惰岃捶娆捐祫閲戠煭缂猴紝璐锋炬椂闂寸浉瀵硅緝鎱锛屾渶闀胯捶娆炬椂闂村彲鑳介渶瑕佸嚑涓鏈堛備富瑕佹槸鍥犱负閾惰屽皢鍏跺簱瀛樼Н鍘嬪埌鏂板勾鍚庢墠浼氳捶娆撅紝杩欏皢鐩存帴褰卞搷涔版埧銆
濡備綍鎻愰珮浣忔埧璐锋鹃氳繃鐜囷紵
鍦ㄧ敵璇蜂綇鎴胯捶娆炬椂锛岀敤鎴蜂釜浜鸿祫鏍肩殑濂藉潖灏嗙洿鎺ュ奖鍝嶄綇鎴胯捶娆剧殑瀹¤￠熷害銆傚亣濡傜敤鎴疯祫璐ㄥソ锛屽℃牳閫熷害閫氬父浼氬揩寰堝氾紝鍙嶄箣浜︾劧锛屼細鎱㈠緢澶氾紝鐢氳嚦閾惰屼細鐩存帴鎷掔粷璐锋俱傚湪鐢宠蜂綇鎴胯捶娆炬椂锛岀敤鎴峰繀椤荤壒鍒娉ㄦ剰淇濇寔鑹濂界殑涓浜轰俊鐢ㄨ皟鏌ャ傚湪杩囧幓鐨勫叚涓鏈堥噷锛屼俊鐢ㄨ皟鏌ユ暟鎹娌℃湁姹＄偣銆傚傛灉宸插氱敤鎴疯繕闇瑕佹煡璇㈢敤鎴烽厤鍋剁殑涓浜轰俊鐢ㄨ皟鏌ャ傛ゅ栵紝鐢ㄦ埛鐨勫伐浣滄敹鍏ユ垨瀹跺涵骞存敹鍏ヤ篃浼氬奖鍝嶄綇鎴胯捶娆俱備竴鑸鏉ヨ达紝鍦ㄦ彁浜ょ敵璇锋椂锛岄渶瑕佹彁渚涗釜浜烘敹鍏ヨ瘉鏄庡拰閾惰屾祦閲忔竻鍗曘傚傛灉鏄鑷鐢卞伐浣滆咃紝鏈濂芥槸閫夋嫨閫掍氦涓浜涘埆鐨勮祫浜ц瘉鏄庯紝濡傝溅浜х瓑锛岃╅摱琛屾帉鎻＄敤鎴风殑杩樻捐兘鍔涘拰璐浜ц兘鍔涳紝閭ｆ牱鍙浠ユ彁楂樹綇鎴胯捶娆剧殑閫氳繃鐜囥傛湰鏂囦富瑕佸啓鐨勬槸2022骞存埧璐峰熀鐐圭殑鐩稿叧鐭ヨ瘑鐐癸紝浠呬緵鍙傝冦
㈡ 鐩鍓嶅崡鏄屾埧璐峰埄鐜囨槸澶氬皯
涓銆佺洰鍓嶅崡鏄屾埧璐峰埄鐜囨槸澶氬皯?
锛1锛夎捶娆惧埄鐜囦笌璐锋剧敤閫斻佽捶娆炬ц川銆佽捶娆炬湡闄愩佽捶娆炬斂绛栥佷笉鍚岀殑璐锋鹃摱琛岀瓑鐩稿叧銆傚浗瀹惰勫畾鍩哄噯鍒╃巼锛屽悇閾惰屾牴鎹鍚勭嶅洜绱犵‘瀹氬樊鍒璐锋惧埄鐜囷紝鍗冲湪鍩哄噯鍒╃巼鍩虹涓婁笂娴鎴栦笅娴銆傜幇琛屽熀鍑嗗埄鐜囨槸2012骞6鏈8鏃ヨ皟鏁村苟瀹炴柦鐨勶紝绉嶇被涓庡勾鍒╃巼濡備笅锛氣憼鐭鏈熻捶娆惧叚涓鏈堬紙鍚锛5.85%锛涒憽鍏涓鏈堣嚦涓骞达紙鍚锛6.31%锛涒憿涓鑷充笁骞达紙鍚锛6.40%锛涒懀涓夎嚦浜斿勾锛堝惈锛6.65%锛涒懁浜斿勾浠ヤ笂6.80%銆
锛2锛夋埧璐蜂负渚嬶細閾惰岃捶娆惧埄鐜囨槸鏍规嵁璐锋剧殑淇＄敤鎯呭喌绛夌患鍚堣瘎浠风殑,鏍规嵁淇＄敤鎯呭喌銆佹姷鎶肩墿銆佸浗瀹舵斂绛栵紙鏄鍚﹂栧楁埧锛夌瓑鏉ョ‘瀹氳捶娆惧埄鐜囨按骞,濡傛灉鍚勬柟闈㈣瘎浠疯壇濂斤紝涓嶅悓閾惰屾墽琛岀殑鎴胯捶鍒╃巼鏈夋墍宸鍒,2011骞寸敱浜庤祫閲戠揣寮犵瓑鍘熷洜锛岄儴鍒嗛摱琛岄栧楁埧璐锋惧埄鐜囨墽琛屽熀鍑嗗埄鐜囩殑1.1鍊嶆垨1.05鍊嶃備粠2012骞2鏈堝紑濮嬶紝澶氭暟閾惰屽皢棣栧楁埧鍒╃巼璋冩暣鑷冲熀鍑嗗埄鐜囥4鏈堜笂鏃锛屽浗鏈夊ぇ閾惰屽紑濮嬫墽琛岄栧楁埧璐峰埄鐜囦紭鎯犮傞儴鍒嗛摱琛屽埄鐜囨渶澶т紭鎯犲彲杈85鎶樸備簲骞存湡闄愪互涓85鎶樹紭鎯犲悗鍒╃巼涓6.8%0.85=5.78%
浜屻佸崡鏄屽叕瀵撹捶娆惧埄鐜
鍗楁槍棣栧楁埧璐峰埄鐜4.1%
2022鍗楁槍鎴胯捶鍒╃巼鏈鏂版秷鎭锛屽崡鏄屽寘鎷鍐滀笟閾惰屻佸伐鍟嗛摱琛屻佷腑鍥介摱琛屻佸缓璁鹃摱琛屻佹禉鍟嗛摱琛屻佷腑淇￠摱琛屻佹睙瑗块摱琛屻佹嫑鍟嗛摱琛岀瓑13瀹堕摱琛屽凡鎵ц4.1%銆佷簩濂楁埧鍟嗕笟璐锋惧埄鐜囨櫘閬嶆墽琛4.9%銆
涓夈佸崡鏄岄摱琛岃捶娆惧埄鐜囷紵
1銆侀栧楁埧璐峰埄鐜囷細鏈浣5.635%锛屾渶楂5.88%銆
鍦ㄩ栧楁埧璐锋柟闈锛屽崡鏄屽氭暟閾惰屾埧璐峰埄鐜囦繚鎸佸湪5.78%锛圠PR103涓鍩虹偣锛夛紝鍖呮嫭宸ュ晢閾惰屻佸啘涓氶摱琛屻佷腑淇￠摱琛屻佸钩瀹夐摱琛屽強鍖椾含閾惰屻
鍏朵腑锛屾皯鐢熼摱琛屻佸箍鍙戦摱琛屻佸厜澶ч摱琛岋紝杩欎笁瀹堕摱琛屾埧璐峰埄鐜囨渶浣5.635%锛圠PR88.5涓鍩虹偣锛夛紝涓鍥介摱琛屽拰寤鸿鹃摱琛屾渶楂5.88%锛圠PR113涓鍩虹偣锛夈
2銆佷簩濂楁埧鎴胯捶鍒╃巼锛氭渶浣5.88%锛屾渶楂6.125%銆
浜屽楁埧鎴胯捶鍒╃巼锛屾皯鐢熼摱琛屽拰鍏夊ぇ閾惰屾渶浣庝负5.88%锛屼腑鍥介摱琛屻佸缓璁鹃摱琛屻佷氦閫氶摱琛屾渶楂6.125%锛圠PR137.5涓鍩虹偣锛夈
鍥涖佸崡鏄屽競2021骞存埧璐峰埄鐜囨槸澶氬皯?
姣忎竴涓閾惰屽逛簬鍟嗕笟鎬т綇鎴胯捶娆惧埄鐜囩殑瑙勫畾鏄涓嶄竴鏍风殑锛屽苟涓旀瘡涓鏈堥兘浼氳繘琛屼竴娆″彉鍔锛岃佹牴鎹鏈杩戜竴涓鏈堢浉搴旀湡闄愮殑LPR涓哄畾浠凤級銆2021骞存渶鏂扮殑LPR涓猴細1骞存湡LPR涓3.85涓4.65%銆傛牴鎹澶琛屽彂甯冪殑鍏鍛婃墍绀猴紝绗涓璐锋惧埄鐜囦笉鑳戒綆浜庣浉搴旀湡闄怢PR锛涚劧鑰岀浜屽椾釜浜哄晢涓氭т綇鎴胯捶娆惧埄鐜囦笉鑳戒綆浜庣浉搴旀湡闄怢PR鍔犲叚鍗佸熀鐐广傚叿浣撶殑浣忔埧鍟嗕笟璐锋惧埄鐜囪繕鍑嗐
涔版埧璐锋炬墜缁
1銆佽捶娆句拱鎴垮熸句汉鍒拌捶娆鹃摱琛屽姙鐞嗗熸剧敵璇枫
2銆佽捶娆鹃摱琛屽℃牳鍚堟牸鍚庡嚭鍏疯捶娆炬剰鍚戜功锛屽熸句汉棰嗗彇璐锋炬墍闇鐨勮〃鏍
3銆佽捶娆句拱鎴垮熸句汉鍑璐锋捐喘寤烘埧鍚堝悓鎴栧崗璁銆
4锛庡皢鑷绛硅祫閲戝瓨鍏ヨ捶娆鹃摱琛屻
5銆佽捶浜ф姷鎶肩殑鍊熸句汉鍒颁骇鏉冮儴闂ㄥ姙鍜屸滄埧鍦颁骇鎶垫娂纭璁や功鍒镐氦璐锋鹃摱琛屾敹鎶硷紝绛捐㈠熸惧悎鍚屻
6銆佺敤浜庤喘鎴跨殑璐锋撅紝鐢辫捶娆鹃摱琛屽皢璐锋捐繛鍚屽熸句汉瀛樻句竴骞跺垝杞鍒板敭鍊熸句汉鎸夊熸惧悎鍚
璐锋句拱鎴挎祦绋
1銆侀栧厛锛屽紑鍙戝晢鍚戣捶娆捐屾彁鍑烘寜鎻璐锋惧悎浣滄剰鍚戯紱
2銆佽捶娆鹃摱琛屽瑰紑鍙戝晢寮鍙戦」鐩銆佸缓绛戣祫璐ㄣ佽祫淇＄瓑绾с佽礋璐ｄ汉鍝佽屻佷紒銆佽储鍔℃儏鍐佃繘琛岃皟鏌ワ紝骞朵笌绗﹀悎鏉′欢鐨勫紑鍙戝晢绛捐㈡寜鎻璐锋惧悎浣滃崗璁锛
3銆佽捶娆句拱鎴胯喘鎴夸汉涓庡紑鍙戝晢绛撅紝骞舵牴鎹鍚堝悓瑕佹眰锛屼粯娓呮墍闇棣栦粯鎴挎撅紱
4銆佷粠浠樻竻棣栦粯寮濮嬶紝涓冩棩鍐呰喘鎴夸汉鎻愪緵绗﹀悎鎸夋彮閾惰岃佹眰鐨勮祫鏂欙紝鐩存帴鍚戝紑鍙戝晢浣撳寘鎷锛氥婂晢鍝佹埧涔板崠鍚堝悓銆嬶紙澶囨堢櫥璁帮級銆佽喘鎴块栦粯娆炬敹鎹銆佹敹鍏ヨ瘉鏄庡強閾惰岃や负闇瑕佹彁渚涚殑鍏朵粬璧勬枡锛
5銆佽捶娆鹃摱琛屽硅喘鎴夸汉鐨勫悇鏂归潰鎯呭喌鍙婃墜鍚堝熀鏈鏉′欢鐨勮喘鎴夸汉锛堝寘鎷璐鎴夸汉閰嶅伓锛夊姙鐞嗗垵姝ユ墜缁涔︺佸叡鍚岃繕娆惧０鏄庛佹壙璇恒佽皥璇濈瑪褰曘佸熸惧悎鍚岀珛瀛樻捐处鎴锋垨閾惰屽崱锛岄摱琛屾姤涓婄骇琛岃繘琛屽℃壒锛
6銆佽捶娆剧敵璇峰℃壒鏈熼檺涓鑸涓7鏃ュ唴銆傚硅秴杩囪ユ湡闄愮殑锛岃惀閿閮ㄥ強鏃朵笌閾惰屽规帴銆佸崗鍔╄喘鎴夸汉鍔炲Ε璐锋撅紝鍙婃椂涓庢寜鎻閾惰岀捐㈤樁娈垫媴
7銆佹渶鍚庢槸瀵归棶棰樺㈡埛鐨勫勭悊锛
锛1锛夊紑鍙戝晢瀵规ｅ湪鐢宠烽樁娈电殑璐鎴夸汉锛岀敱浜庤嚜韬鍘熷洜鐢宠峰彇娑堟寜鎻璐锋剧殑锛岃嚜鍙栨秷涔嬫棩璧20鏃ュ唴锛岃喘鎴夸汉搴旀寜涓娆℃т粯娆炬柟寮忎粯娓呬綑娆撅紱
锛2锛夊傛灉鍥犻摱琛屾渶缁堟壒鍑嗙殑璐锋鹃濆害鏈杈惧埌鎸夋彮鎬婚濇椂锛岃喘鎴夸汉搴斿湪閾惰屾壒澶嶄箣鏃ヨ捣10鏃ュ唴琛ヨ冻浣欐撅紱
锛3锛夎捶娆捐繕娆捐兘鍔涚瓑鍚勬柟闈㈣嚜韬鍘熷洜锛屽艰嚧閾惰屾寜鎻璐锋炬湭鑾锋壒鍑嗙殑锛屽嚭鍗栦汉涓嶄簣閫鎴
锛4锛夊逛簬閭ｇ嶄箙鎷栦笉鍒拌捶娆捐岀敵鍞浜哄憳搴斿缓绔嬬潱淇冩満鍒讹紝骞跺皢鐢佃瘽閫氱煡璁板綍鐧昏帮紝杩炵画涓夋★紙15鏃ュ唴锛夐氱煡浠嶆湭鍔炵悊锛屽簲鎸夌収鍚堝悓瑙勫畾璁℃敹杩濈害璐圭敤锛