A. 鍔╁﹁捶娆惧埄鎭澶氬皯閽变竴骞
瀛︾敓璐锋24000鍏冦備竴骞磋繕娆惧埄鎭涓猴細24000*81澶*4.90%/360=264.6鍏冧粠鐢宠峰姪瀛﹁捶娆剧殑鏃堕棿璁＄畻銆
鐩稿叧淇℃伅;鍔╁﹁捶娆6000鍏冧竴骞寸殑鍒╂伅涓6000*4.75%=285鍏冦
B. 鍔╁﹁捶娆惧埄鎭鏄鎬庝箞绠楃殑锛
涓銆佸姪瀛﹁捶娆惧埄鎭鏄鎬庝箞绠楃殑锛
璁＄畻鏂规硶:瀛︾敓璐锋剧敵璇蜂汉鍦ㄥ師绫嶅湴灏辫绘湡闂寸殑鍒╂伅锛岀敱鍥藉惰储鏀垮叏棰濊ˉ鍔┿傚︾敓姣曚笟鍚庡疄闄呭伩杩樼殑鍒╂伅鎸夊綋骞村悓鏈熷埄鐜囨墽琛屻備竴骞翠互涓(鍚涓骞)璐锋惧埄骞(鍚5骞)4.75%;浜旀瘯涓氱涓骞寸殑9鏈堥渶鍦ㄥ綋骞9鏈1鏃ヨ嚦12鏈20鏃ユ湡闂存壙鎷呰捶娆炬婚濈殑鍒╂伅銆備粠姣曚笟鍚庣鍥涘勾寮濮嬶紝璐锋惧︾敓蹇呴』鎸夊勾鍒嗘湡鍋胯繕璐锋炬湰鎭銆
1.渚嬪傦紝鐢熸簮鍦扮殑璐锋惧埄鐜囦负5.65%锛岃捶娆鹃噾棰濅负60鐜囦负5.65%銆傛瘯涓氬悗姣忓勾杩樻鹃噾棰濆備笅:绗涓骞磋繕娆:104鍏(鍗0鏃ョ殑璐锋惧埄鎭);绗浜屽勾杩.65%=339鑷虫湰骞村害12鏈20鏃ョ殑璐锋惧埄鎭)绗涓夊勾杩樻:1839鍏(鍗冲綋骞村簲浠樻湰閲6000鍏/4骞=1500鍏冿紝鍔犱笂褰撳勾搴斾粯鍒╂伅339鍏)锛屼互姝ょ被鎺ㄣ
2.璐烽檯澶╂暟姣忓勾璁＄畻鍜屾敹鍙栫殑銆傚︾敓璐锋惧師绫嶅湴鐨勮捶娆惧埄鎭鎸変腑澶閾惰屽熀鍑嗗埄鐜囪＄畻锛屽埄鐜囦笉涓婂崌銆傝捶娆炬瘡骞村伩杩樹竴娆°傛瘡骞寸殑杩樻炬椂闂翠负12鏈20鏃ヤ箣鍓嶏紝鍙﹀栵紝鍗充娇鏄鏃犳伅鍔╁﹁捶娆撅紝涔熶笉瑕佸繕璁板伩杩橈紝鍥犱负杩樹細澧炲姞杩濈害鍒╂伅锛岃繚绾﹀埄鎭鏄鍩哄噯鍒╃巼鐨130%锛屾墍浠ヤ竴瀹氳佸強鏃跺伩杩樸
鎷撳睍璧勬枡
1.鍥藉堕摱琛屽︾敓璐锋剧殑鏃犳伅鍒╂伅鍦ㄥ︾敓瀛︿範鏈熼棿鐢卞浗瀹舵壙鎷咃紝鍗冲湪瀛︿範鏈熼棿涓嶉渶瑕佷笟鍚庝竴娆℃ц繕娆撅紝鍏嶆伅锛屽垎鏈熷伩杩樺埄鎭銆傚︾敓璐锋剧殑鏈闀胯繕娆炬湡姣斿浗瀹跺姪瀛﹁捶娆剧殑杩樻炬湡瑕侀暱銆傜畝鑰岃█涔嬶紝鎬绘湰閲戝拰鍒╂伅姣斿︾敓璐锋捐佸ぇ璐锋炬洿澶с
2.鐢熸簮淇＄敤鍔╁﹁捶娆炬槸鎸囧浗瀹跺紑鍙戦摱鍏ュ﹀幙鏈夋埛鍙ｇ殑鏂扮敓鍜屽︾敓鍙戞斁瑕佺敤浜庢敮浠樺︾敓鍦ㄦ牎鏈熼棿鐨勫﹁垂鍜屼綇瀹胯垂銆傛潵婧愬湴淇＄敤鍔╁﹁捶娆炬槸鍥藉跺姪瀛﹁捶娆剧殑閲嶈佺粍鎴愰儴鍒嗐
3.鍥藉跺紑鍙戦摱琛屽︾敓璐锋惧埄鎭鐨勮＄畻鏂规硶:涓鏈)锛屽勾鍒╃巼(%)5.10璐锋炬湡闄愪负鍏涓鏈堣嚦涓骞(鍚涓骞)锛屽勾鍒╃巼(%)5.10涓鑷充笁骞(鍚涓夊勾5.50涓夎嚦浜斿勾(鍚浜斿勾)璐锋撅紝骞村埄鐜(%)5.50銆
浜屻佸姪瀛﹁捶娆惧埄鎭鎬庝箞绠楋紵
鎸夌収鍥藉跺姪瀛﹁捶娆炬斂绛栬勫畾锛岀敵璇锋ら」璐锋剧殑瀛︾敓锛屾ｅ父鍦ㄦ牎瀛︿範鏈熼棿鏃犻』鏀浠樺埄鎭锛岀敱璐㈡斂璐存伅锛屼絾鏄浠庢瘯涓氬綋骞9鏈1鏃ヨ捣锛岃嚜宸遍渶鎵挎媴璐锋惧埄鎭銆傚浗瀹跺姪瀛﹁捶娆惧埄鐜囨寜鐓т腑鍥戒汉姘戦摱琛屽叕甯冪殑娉曞畾璐锋惧埄鐜囧拰鍥藉舵湁鍏冲埄鐜囨斂绛栨墽琛岋紝涓嶄笂娴銆傜幇琛岀殑璐锋惧勾鍒╃巼鏄锛氫竴骞磋嚦涓夊勾(鍚)锛5.76%锛涗笁骞磋嚦浜斿勾(鍚)锛5.85%锛涗簲骞翠互涓婏細6.12%銆傛嵁鎮夛紝鍥藉跺姪瀛﹁捶娆炬槸閲囩敤绉鏁拌℃伅娉曪紝浠ュ疄闄呭ぉ鏁帮紝鎸夊勾璁℃敹鍒╂伅銆傜Н鏁拌℃伅娉曞叕寮忥細鍒╂伅=绱璁¤℃伅绉鏁懊楁棩鍒╃巼鍏朵腑锛岀疮璁¤℃伅绉鏁=璐︽埛姣忔棩浣欓濆悎璁℃暟銆傝捣鎭鏃ヤ负寮鍙戣屽彂鏀捐捶娆炬棩锛岀粨鎭鏃ヤ负姣忓勾鐨12鏈20鏃ワ紙璐锋炬渶鍚庝竴骞寸粨鎭鏃ヤ负9鏈20鏃ワ級銆傛嫇灞曡祫鏂欑敓婧愬湴淇＄敤鍔╁﹁捶娆惧埄鐜囨墽琛屼腑鍥戒汉姘戦摱琛屽悓鏈熷叕甯冪殑鍚屾。娆″熀鍑嗗埄鐜囷紝涓嶄笂娴銆傚︾敓鍦ㄦ牎鏈熼棿鐨勫埄鎭鐢辫储鏀垮叏閮ㄨˉ璐达紝姣曚笟鍚庣殑鍒╂伅鐢卞︾敓鍜屽堕暱(鎴栧叾浠栨硶瀹氱洃鎶ゅ叆)鍏卞悓璐熸媴銆 鍥藉跺姪瀛﹁捶娆惧埄鎭 1鍥藉跺紑鍙戦摱琛屽姪瀛﹁捶娆惧埄鎭涓銆佸浗瀹跺紑鍙戦摱琛屽姪瀛﹁捶娆惧埄鎭鍒嗕笅鍒椾袱绉嶆儏鍐碉細 1銆佸湪鏍℃湡闂存棤鎭鍥藉跺紑鍙戦摱琛岀殑鍔╁﹁捶娆惧埄鎭鍦ㄥ︾敓灏辫绘湡闂寸敱鍥藉舵壙鎷咃紝鍗冲湪鏍℃湡闂翠笉闇瑕佹壙鎷呭埄鎭 2銆佺绘牎鍚庢敹鎭姣曚笟鍚庝竴娆℃ц繕娆惧厤鎭锛屽垎鏈熻繕娆鹃渶杩樻伅銆傜敓婧愬湴璐锋炬渶闀胯繕娆惧勾闄愭瘮鍥藉跺姪瀛﹁捶娆炬洿闀夸竴浜涳紝璇寸櫧浜嗗氨鏄鏈鎭鎬婚濇槸鐢熸簮鍦拌捶娆炬洿澶э紝骞虫椂杩樻惧帇鍔涙槸鍥藉跺姪瀛﹁捶娆捐緝閲嶃 鐢熸簮鍦颁俊鐢ㄥ姪瀛﹁捶娆炬槸鎸囧浗瀹跺紑鍙戦摱琛屽悜绗﹀悎鏉′欢鐨勫跺涵缁忔祹鍥伴毦鐨勬櫘閫氶珮鏍℃柊鐢熷拰鍦ㄦ牎鐢熷彂鏀剧殑銆佸湪瀛︾敓鍏ュ﹀墠鎴风睄鎵鍦ㄥ幙锛堝競銆佸尯锛夊姙鐞嗙殑鍔╁﹁捶娆俱 娆捐祫閲戜富瑕佺敤浜庡︾敓缂寸撼鍦ㄦ牎鏈熼棿鐨勫﹁垂鍜屼綇瀹胯垂銆傜敓婧愬湴淇＄敤鍔╁﹁捶娆炬槸鍥藉跺姪瀛﹁捶娆剧殑閲嶈佺粍鎴愰儴鍒嗐 浜屻佸浗瀹跺紑鍙戦摱琛岀殑鍔╁﹁捶娆惧埄鎭璁＄畻鏂规硶锛 鍏涓鏈堜互鍐咃紙鍚6涓鏈堬級璐锋撅紝骞村埄鐜(%)5.10 鍏涓鏈堣嚦涓骞达紙鍚1骞达級璐锋撅紝骞村埄鐜(%)5.10 涓鑷充笁骞达紙鍚3骞达級璐锋撅紝骞村埄鐜(%)骞村埄鐜(%)5.50 涓夎嚦浜斿勾锛堝惈5骞达級璐锋撅紝骞村埄鐜(%)骞村埄鐜(%)5.50 浜斿勾浠ヤ笂璐锋撅紝骞村埄鐜(%)骞村埄鐜(%)5.65 2鏈涓撶戝︾敓璧勫姪鏀跨瓥鍝浜涘︾敓鍙浠ョ敵璇锋牎鍥鍦板浗瀹跺姪瀛﹁捶娆撅紵 瀹跺涵缁忔祹鍥伴毦鐨勫叏鏃ュ埗鏅閫氶珮鏍℃湰涓撶戠敓锛堝惈楂樿亴鐢燂級銆佺浜屽﹀＋瀛︿綅瀛︾敓鍜岀爺绌剁敓锛屽彲浠ラ氳繃鏈鏍″︾敓璧勫姪绛夐儴闂ㄥ悜缁忓姙閾惰岀敵璇锋牎鍥鍦板浗瀹跺姪瀛﹁捶娆俱 瀛︾敓姣忓﹀勾鍙浠ョ敵璇峰氬皯閲戦濈殑鏍″洯鍦板浗瀹跺姪瀛﹁捶娆撅紵 鎸夌収鍥藉跺姪瀛﹁捶娆炬斂绛栫殑鏈夊叧瑙勫畾锛屾瘡浜烘瘡瀛﹀勾璐锋鹃噾棰濆簲涓哄︾敓鍏ㄩ儴骞存敹鍏ワ紙鍚瀹跺涵銆佷翰灞炪佸叾浠栨笭閬撶殑璧勫姪绛夛級涓庢墍鍦ㄥ︽牎瀛﹁垂銆佷綇瀹胯垂鍜屽綋鍦版湁鍏抽儴闂ㄨ勫畾鐨勫熀鏈鐢熸椿璐规爣鍑嗘诲拰鐨勫樊锛屾湰涓撶戠敓姣忎汉姣忓勾鏈楂樹笉瓒呰繃8000鍏冿紝鐮旂┒鐢熸瘡浜烘瘡骞存渶楂樹笉瓒呰繃12000鍏冦 鏍″洯鍦板浗瀹跺姪瀛﹁捶娆剧殑鍒╃巼鏄濡備綍瑙勫畾鐨勶紵 鏍″洯鍦板浗瀹跺姪瀛﹁捶娆惧埄鐜囨寜鐓т腑鍥戒汉姘戦摱琛屽叕甯冪殑娉曞畾璐锋惧埄鐜囧拰鍥藉舵湁鍏冲埄鐜囨斂绛栨墽琛屻傚傞亣鍒╃巼璋冩暣锛屾寜鐓т腑鍥戒汉姘戦摱琛岀殑鏈夊叧瑙勫畾鎵ц屻
涓夈佸姪瀛﹁捶娆惧埄鐜囨庝箞绠
鎮ㄥソ锛侀栧厛瑕佺湅鎮ㄧ剧殑鍗忚涓婃槸鎬庝箞鍐欑殑锛屾槸鎸夊浐瀹氬埄鐜囪繕锛岃繕鏄娴鍔ㄥ埄鐜囨崲锛熶竴鑸閾惰岄兘浼氶殢鐫鍥藉跺畾鐨勫熀鏈璐锋惧埄鐜囧彉鍔锛屼緥濡傛偍璐锋1W鍏冿紝鍥藉跺熀鏈璐锋惧勾鍒╃巼鏄5.31%锛屾偍姣忎釜瀛ｅ害鐨勮繕娆鹃濆氨鏄锛100000.053190/360=132.75.濡傛灉閬囧埌鍒╃巼鍙樺姩锛岄偅灏遍渶瑕佹妸鍙樺姩鍚庣殑鍒╃巼涔熻冭檻杩涘幓锛屼緥濡傛偍璐锋1W鍏冿紝鍓50澶╁浗瀹跺熀鏈璐锋惧勾鍒╃巼鏄5.31%锛屽悗40澶╃殑鍥藉跺熀鏈璐锋惧勾鍒╃巼涓婂崌鍒颁簡5.58%
锛岄偅鎮ㄨ繖涓瀛ｅ害鐨勮繕娆鹃濆氨鏄锛10000锛0.053150/3600.05840/360锛=138.20鍏冦
涓昏佽繕鏄瑕佹牴鎹鎮ㄥ拰閾惰岀剧殑鍗忚鏉ョ湅锛