① 涓鍥戒漢姘戦摱琛岃捶嬈懼熀鍑嗗埄鐜囨槸澶氬皯錛
鎶墊娂璐鋒懼埄鐜2023
鐩鍓嶉摱琛屾墽琛岀殑鍩哄噯鍒╃巼涓猴細璐鋒句竴騫翠互涓(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4.90%銆
鎴誇駭鎶墊娂鏄鎸囦駭鏉冩墍鏈変漢浠ユ埧濂戜綔涓烘姷鎶礆紝鍙栧緱鍊熸炬寜鏈熶粯鎮銆傛埧灞嬩駭鏉冧粛鐢變駭鏉冩墍鏈夎呰嚜琛岀＄悊錛屽烘潈浜哄彧鎸夋湡鍙栨伅錛岃屾棤浣跨敤綆＄悊鎴垮眿鐨勬潈鍒╋紝寰呭熸捐繕娓咃紝浜ф潈浜烘敹鍥炴埧濂戞姷鎶煎嵆鍛婄粓緇撱傚傚哄姟浜轟笉鑳藉飽琛屽哄姟錛屽垯鍊烘潈浜烘湁鏉冧緷娉曞勫垎鎶墊娂鎴垮眿銆
涓鍥介摱琛屾姷鎶艱捶嬈懼埄鐜囨槸澶氬皯
欏圭洰 騫村埄鐜囷紙%)
涓銆佺煭鏈熻捶嬈
鍏涓鏈堜互鍐咃紙鍚鍏涓鏈堬級 6.10
鍏涓鏈堣嚦涓騫達紙鍚涓騫達級 6.56
浜屻佷腑闀挎湡璐鋒
涓鑷充笁騫達紙鍚涓夊勾錛 6.65
涓夎嚦浜斿勾錛堝惈浜斿勾錛 6.90
浜斿勾浠ヤ笂 7.05
鎴誇駭鎶墊娂璐鋒懼熀鍑嗘槸澶氬皯錛
1銆佸熀鍑嗗埄鐜囷細1騫村埄鐜囦負1.5%錛2騫村埄鐜囦負2.1%錛3騫村埄鐜囦負2.75%;
2銆佷腑鍥介摱琛岋細1騫村埄鐜囦負1.75%錛2騫村埄鐜囦負2.25%錛3騫村埄鐜囦負2.75%錛5騫村埄鐜囦負2.75%;
3銆佸緩璁鵑摱琛岋細1騫村埄鐜囦負1.75%錛2騫村埄鐜囦負2.25%錛3騫村埄鐜囦負2.75%錛5騫村埄鐜囦負2.75%;
4銆佸伐鍟嗛摱琛岋細1騫村埄鐜囦負1.75%錛2騫村埄鐜囦負2.25%錛3騫村埄鐜囦負2.75%錛5騫村埄鐜囦負2.75%;
5銆佸啘涓氶摱琛岋細1騫村埄鐜囦負1.75%錛2騫村埄鐜囦負2.25%錛3騫村埄鐜囦負2.75%錛5騫村埄鐜囦負2.75%;
6銆侀偖鍌ㄩ摱琛岋細1騫村埄鐜囦負1.78%錛2騫村埄鐜囦負2.25%錛3騫村埄鐜囦負2.75%錛5騫村埄鐜囦負2.75%;
7銆佷氦閫氶摱琛岋細1騫村埄鐜囦負1.75%錛2騫村埄鐜囦負2.25%錛3騫村埄鐜囦負2.75%錛5騫村埄鐜囦負2.75%;
涓鍥介摱琛屼拱杞﹁捶嬈懼埄鐜囧氬皯
涓鍥介摱琛岃喘杞﹁捶嬈懼埄鐜囧備笅錛1銆佺煭鏈熷熸撅紝鍏涓鏈堬紙鍚鍏涓鏈堬級鍐4.86錛屽叚涓鏈堣嚦涓騫達紙鍚涓騫達級5.31錛2銆佷腑闀挎湡璐鋒撅紝1-3騫達紙鍚3騫達級5.40錛3-5騫達紙鍚5騫達級5.76錛5騫翠互涓5.94錛3銆佷竴鑸瀹㈡埛璐鋒鵑檺棰濆師鍒欎笂涓嶉珮浜庢苯杞︿環鏍肩殑60錛咃紝鐢變紭璐ㄥ㈡埛鎻愪緵鎷呬繚鐨勫師鍒欎笂涓嶉珮浜庢苯杞︿環鏍肩殑70%錛涗紭璐ㄥ㈡埛璐鋒鵑檺棰濆師鍒欎笂涓嶉珮浜庢苯杞︿環鏍肩殑70錛呫
鐧句竾璐杞﹁ˉ璐
涓鍥介摱琛岃捶嬈懼叓涓囦拱杞︿綅鍒嗘湡浜斿勾鍒╂伅鏄澶氬皯
璐鋒懼勾鍒╃巼:10涓囧厓5騫寸殑鎬"鍒╂伅" =100000*15.5% =15500鍏 姣忔湡"鍒╂伅" =鎬"鍒╂伅"/鏈熸暟 =15500/60 =258.33鍏 姣忔湡搴旇繕鏈閲 =鏈閲/鏈熸暟 =100000/60 =1666.67鍏 姣忔湡搴旇繕鏈閲 =姣忔湡"鍒╂伅"+姣忔湡搴旇繕鏈閲 =258.33+1666.67 =1925鍏 鎬昏繕嬈 =鏈閲+鎬"鍒╂伅" =100000+15500 =115500鍏冦傝捶嬈炬槸閾惰屾垨鍏朵粬閲戣瀺鏈烘瀯鎸変竴瀹氬埄鐜囧拰蹇呴』褰掕繕絳夋潯浠跺嚭鍊熻揣甯佽祫閲戠殑涓縐嶄俊鐢ㄦ椿鍔ㄥ艦寮忋傚箍涔夌殑璐鋒炬寚璐鋒俱佽創鐜般侀忔敮絳夊嚭璐瘋祫閲戠殑鎬葷О銆傞摱琛岄氳繃璐鋒劇殑鏂瑰紡灝嗘墍闆嗕腑鐨勮揣甯佸拰璐у竵璧勯噾鎶曟斁鍑哄幓錛屽彲浠ユ弧瓚崇ぞ浼氭墿澶у啀鐢熶駭瀵硅ˉ鍏呰祫閲戠殑闇瑕侊紝淇冭繘緇忔祹鐨勫彂灞曪紝鍚屾椂錛岄摱琛屼篃鍙浠ョ敱姝ゅ彇寰楄捶嬈懼埄鎮鏀跺叆錛屽炲姞閾惰岃嚜韜鐨勭Н緔銆
鎷撳睍璧勬枡
璐鋒捐繕嬈炬柟寮:
1銆佺瓑棰濇湰鎮榪樻
絳夐濇湰鎮榪樻懼彲浠ヨ存槸鐜板湪鐢ㄥ緱鏈澶氱殑涓縐嶈繕嬈炬柟寮忎簡鍚э紝鍥犱負鍦ㄨ喘鎴胯呮病鏈夐夋嫨鐨勬儏鍐典笅錛岄摱琛岄粯璁ら夋嫨鐨勫氨鏄絳夐濇湰鎮鐨勮繕嬈炬柟寮忋傜瓑棰濇湰鎮榪樻炬瘡鏈堣繕嬈鵑濅腑鐨勬湰閲戞瘮閲嶉愭湀閫掑炪佸埄鎮姣旈噸閫愭湀閫掑噺銆傛妸鎸夋彮璐鋒劇殑鏈閲戞婚濅笌鍒╂伅鎬婚濈浉鍔狅紝鐒跺悗騫沖潎鍒嗘憡鍒拌繕嬈炬湡闄愮殑姣忎釜鏈堜腑銆傝繖縐嶈繕嬈炬柟寮忛傚悎鏀跺叆澶勪簬紼沖畾鐘舵佺殑瀹跺涵錛屼拱鎴跨敤浜庤嚜浣忥紝緇忔祹鏉′歡涓嶅厑璁稿墠鏈熸姇鍏ヨ繃澶с
2銆佺瓑棰濇湰閲戣繕嬈
絳夐濇湰閲戠殑榪樻炬柟寮忚窡絳夐濇湰鎮鐨勮繕嬈炬柟寮忕壒鐐規ｅソ鐩稿弽錛屾墍璋撶瓑棰濇湰閲戣繕嬈撅紝鍙堢О鍒╅殢鏈娓呫佺瓑鏈涓嶇瓑鎮榪樻炬硶銆傝捶嬈句漢灝嗘湰閲戝垎鎽婂埌姣忎釜鏈堝唴錛屽悓鏃朵粯娓呬笂涓浜ゆ槗鏃ヨ嚦鏈嬈¤繕嬈炬棩涔嬮棿鐨勫埄鎮銆傝繖縐嶈繕嬈炬柟寮忕浉瀵圭瓑棰濇湰鎮鑰岃█錛屾葷殑鍒╂伅鏀鍑鴻緝浣庯紝榪欑嶈繕嬈炬柟寮忔瘮杈冮傚悎鍦ㄥ墠孌墊椂闂磋繕嬈捐兘鍔涘己鐨勮捶嬈句漢錛屽綋鐒朵竴浜涘勾綰紼嶅井澶т竴鐐圭殑浜轟篃姣旇緝閫傚悎榪欑嶆柟寮忋
3銆佷竴嬈℃ц繕鏈浠樻伅
榪欑嶈繕嬈炬柟寮忕殑鎬ц川璺熺瓑棰濇湰鎮榪樻懼拰絳夐濇湰閲戣繕嬈句笉涓鏍鳳紝瀹冩槸灞炰簬鎻愬墠榪樻句腑鐨勪竴縐嶃傞摱琛屽硅繖縐嶈繕嬈炬柟寮忕殑瑙勫畾鏄錛岃捶嬈炬湡闄愬湪涓騫達紙鍚涓騫達級浠ヤ笅鐨勶紝瀹炶屽埌鏈熶竴嬈¤繕鏈浠樻伅錛屽埄闅忔湰娓呫備絾鏄錛岄殢鐫榪樻炬柟寮忓彉闈╋紝涓騫寸殑鏈熼檺鏈夋湜楂樺歡闀胯嚦5騫淬傝ユ柟寮忛摱琛屽℃壒涓ユ牸錛屼竴鑸鍙瀵瑰皬棰濈煭鏈熻捶嬈懼紑鏀俱
杞︿綅璐鋒撅紝10涓囧厓錛屽垎涓夊勾錛屾瘡涓鏈堝氬皯閽憋紵璋㈣阿錛
閾惰岃捶嬈10涓囧垎鏈熶笁騫存瘡鏈堣繕嬈鵑噾棰濇槸瑕佹牴鎹鍙戝崱閾惰岀殑鏀惰垂鏍囧噯鏉ヨ＄畻鐨勩備互涓鍥介摱琛屼負渚嬶細
璐鋒炬湰閲懨楀勾鍒╃巼=騫村埄鎮銆備腑鍥介摱琛屽勾鍒╃巼涓4.75%錛岃捶嬈10涓囷紝涓騫村埄鎮涓4750鍏冦
姣忔湀搴旇繕鏈閲戱細100000梅36=2777.78鍏冦
姣忔湀搴旇繕鍒╂伅錛4750梅36=131.95鍏冦
姣忔湀榪樻炬湀渚涚瓑浜庢瘡鏈堣繕嬈炬湰閲戝姞鏈堣繕嬈懼埄鎮:2777.78+131.95=2909.73鍏冦傦紙浠呬緵鍙傝冿級
姝ｅ父鏉ヨ達紝杞︿綅璐鋒懼睘浜庡晢鐢ㄧ墿涓氱被鎴胯捶錛屽叾鍒╃巼闇鍦ㄦｅ父璐鎴胯捶嬈懼埄鐜囩殑鍩虹涓婅嚦灝戜笂嫻10%錛屼篃灝辨槸闇鎺ヨ繎7%宸﹀彸銆備絾鐩鍓嶆湁鐗規畩鈥滆濺浣嶈捶鈥濅笟鍔℃帹鍑虹殑騫垮窞閾惰屻佸啘琛屽拰鍐滃晢閾惰岋紝鍏跺埄鐜囷紙涔熺О鈥滄墜緇璐圭巼鈥濓級鍗存瘮姝ｅ父鐨勫晢鐢ㄧ墿涓氳捶嬈懼埄鐜囪佷綆寰楀氾紝涓夊勾銆佷簲騫存湡鐨勶紝鐢氳嚦姣旈摱琛屽悓鏈熷畾鏈熷瓨嬈捐繕瑕佷綆銆
騫垮窞閾惰岀殑鈥滆濺浣嶈捶鈥濓紝鎵嬬畫璐規瘡騫3.4%銆傚啘琛屼笌鍐滃晢閾惰岀殑鍒╃巼瑙嗗勾闄愯屽畾錛屽啘琛屽熻捶鏈熻嫢涓轟竴騫達紝鍒欐墜緇璐規槸3.5%錛岃嫢涓轟笁騫村垯涓鍏卞彧闇10%鐨勬墜緇璐癸紝姣忓勾鍙闇3.3%宸﹀彸錛涘啘鍟嗛摱琛屼笁騫村唴鐨勮濺浣嶈捶鎵嬬畫璐瑰潎涓3.3%錛屼簲騫存湡鍒欎竴鍏遍渶20%錛屽鉤鍧囨瘡騫4%錛屾瘮鍙︿袱瀹墮摱琛岀暐浣庛
杞︿綅璐風殑瀹為檯鍒╃巼鏄澶氬皯錛
瀛﹁繃璐㈠姟鐨勫皬鏈嬪弸閮界煡閬撳疄闄呭埄鐜囷紝鍦ㄤ細璁″勭悊涓錛屾湁鍏沖簲浠樺哄埜絳変篃浼氭秹鍙婂埌瀹為檯鍒╃巼娉曘傝村緱鍐嶇櫧璇濅竴鐐癸紝瀹為檯鍒╃巼鏄鐩稿逛簬鍚嶄箟鍒╃巼錛屾槸浣犵湡姝ｆ壙鎷呯殑鍒╂伅鎴愭湰銆
閫夊彇璐鋒10涓囧厓錛屾湀渚3100鍏冿紝璐圭巼0.33%/鏈堟。錛屼竴鍏辮佽繕鐨勫埄鎮鏄11600鍏冿紝鍥犳ゆ昏垂鐜囦負11.60%銆11.60%/3=3.87%錛屽傛灉榪欐牱鎯籌紝灝卞規槗鎺夊潙閲屼簡銆傞夋嫨鍏ㄩ儴鐨勮繕嬈鵑噾棰濆拰鍊熸劇殑10涓囧厓錛岄噰鐢↖RR鍑芥暟錛岃＄畻鍑哄疄闄呭埄鐜囦負7.27%銆傝櫧鐒跺悕涔夊埄鐜囧拰璐圭巼鏄3%-4%宸﹀彸錛屼絾鎴戜滑闇鎵挎媴鐨勫埄鎮鎴愭湰鍗翠負7.27%銆
涓轟綍浼氬嚭鐜拌繖鏍風殑鎯呭喌錛熻繖鏄鍥犱負姣忎釜鏈堣繕鐨3100鍏冧腑鍖呮嫭10涓囧厓鐨勬湰閲戱紝鍦ㄦ湰閲戦愭笎涓嬮檷鐨勬儏鍐典笅錛屾垜浠姣忎釜鏈堝嵈浠嶇劧鎸夌収10涓囨湰閲*鍚嶄箟鍒╃巼鍘昏繕嬈撅紝閭ｅ湪鍚庨潰鍑犱釜鏈堬紝鑲瀹氭槸涓嶅垝綆楃殑銆