Ⅰ 鍐滄潙淇＄敤紺捐捶嬈懼埄鐜囨槸澶氬皯
涓銆佸啘鏉戜俊鐢ㄧぞ璐鋒懼埄鐜囨槸澶氬皯
鍐滄潙淇＄敤紺捐捶嬈懼埄鐜囨槸渚濈収澶琛岋紝鎸夌収璐鋒句漢鐨勫叿浣撴儏鍐佃皟鏁達紝涓嬮檺鏄鍩哄噯鍒╃巼鐨0.9鍊嶏紝涓婇檺鏄鍩哄噯鍒╃巼鐨1銆佸啘鏉戜俊鐢ㄧぞ鍟嗕笟璐鋒懼埄鐜囷細6涓鏈堜互涓嬶紙鍚6涓鏈堢殑錛夊埄鐜囨湀鑷1騫達紙鍚1騫達級鍒╃巼鏄6.00%錛1騫磋嚦3騫達紙鍚3騫達級鍒╃巼鏄6.1鍒╃巼鏄6.40%錛5騫翠俊鐢ㄧぞ鍏縐閲戣捶嬈懼埄鐜囷細5錛5騫翠互涓婄殑鏄4.50%銆傛帴涓嬫潵灝忕紪灝辨潵綆鍗曚粙緇嶄竴涓嬬敵璇峰啘鏉戜俊鐢ㄧぞ璐鋒劇殑鐢寵鋒潯浠舵湁鍝浜涖傜敵璇峰啘鏉戜俊鐢ㄧぞ璐鋒鵑渶璐鋒劇敵璇瘋〃錛屽苟濉瀹炰俊鎮錛2銆佹惡甯︽湁鏁堣韓浠借瘉浠舵垨鑰呮埛鍙ｆ湰錛3銆佹彁渚涘跺涵璐浜ф儏鍐電殑璇存槑浠ュ強鐢寵蜂漢鎻愪緵鏈浜哄強鍏墮厤鍋舵墍鍦ㄥ崟浣嶆垨灞呭斾細鍑虹ず鏀跺叆浠借瘉浠跺強澶嶅嵃浠訛紝浠ュ強鏍規嵁瑕佹眰闇瑕佹彁渚涚殑鍏朵粬鐩稿叧鏉愭枡銆
浜屻佸啘鏉戜俊鐢ㄧぞ璐鋒懼埄鎮鏄澶氬皯錛
鍐滄潙淇＄敤紺捐捶嬈懼埄鎮鏄娌℃湁涓涓鍥哄畾鍊肩殑錛屽畠鐨勮捶嬈懼埄鎮涓昏佹槸浠ュぎ琛岀殑鍩哄噯鍒╂伅涓烘寚瀵煎埄鎮銆傚啘鏉戜俊鐢ㄧぞ鐨勮捶嬈懼埄鎮鏈浣庨檺搴︽槸澶琛岃捶嬈懼熀鍑嗗埄鎮鐨勫嶮鍒嗕箣涔濆嶃備竴銆佸埄鎮鏄鍗佸垎涔嬩節鍊嶅啘鏉戜俊鐢ㄧぞ鐨勮捶嬈懼埄鎮鏈浣庨檺搴︽槸澶琛岃捶嬈懼熀鍑嗗埄鎮鐨勫嶮鍒嗕箣涔濆嶏紝鏈楂樹笂娑ㄧ郴鏁版槸澶琛岃捶嬈懼熀鍑嗗埄鎮鐨勪袱鐐逛笁鍊嶃傚湪鍐滄潙淇＄敤紺撅紝浠栦滑鍙浠ユ牴鎹璐鋒句漢鐨勫叿浣撴儏鍐靛規よ捶嬈懼埄鎮榪涜屼笂璋冩垨鑰呬笅璋冿紝騫朵笖瀵逛簬鏈夊叆鑲＄殑紺懼憳錛屽啘鏉戜俊鐢ㄧぞ鏄鍙浠ュ逛粬鐨勮捶嬈懼埄鎮閲囧彇浼樻儬鏀跨瓥鐨勩備簩銆佽捶嬈懼嚑騫村垎鍒鐨勫埄鎮鐩鍓嶉摱琛屽叕甯冪殑璐鋒懼熀鍑嗗埄鐜囦腑錛0-6鏈(鍚6鏈)璐鋒懼勾鍒╃巼鏄4.35%錛6鏈-1騫(鍚1騫)鏄4.35%錛1-5騫(鍚5騫)鏄4.75%錛5-30騫(鍚30騫)鏄4.90%錛屽埄鐜囦細鏍規嵁璐鋒句漢璧勮川涓婅皟鎴栬呬笅闄嶃傛墿灞曡祫鏂欙細鍐滄潙淇＄敤鍚堜綔紺撅紙鑻辨枃鍚嶇ОRuralCreditCooperatives錛屼腑鏂囩畝縐板啘鏉戜俊鐢ㄧぞ銆佸啘淇＄ぞ錛夋寚緇忓ぎ琛屾壒鍑嗚劇珛銆佺敱紺懼憳鍏ヨ偂緇勬垚銆佸疄琛屾皯涓葷＄悊銆佷富瑕佷負紺懼憳鎻愪緵閲戣瀺鏈嶅姟鐨勫啘鏉戝悎浣滈噾鋙嶆満鏋勩傚啘鏉戜俊鐢ㄧぞ鏄鐙絝嬬殑浼佷笟娉曚漢錛屼互鍏跺叏閮ㄨ祫浜у瑰啘鏉戜俊鐢ㄧぞ鍊哄姟鎵挎媴璐ｄ換錛屼緷娉曚韓鏈夋皯浜嬫潈鍒┿傚叾璐浜с佸悎娉曟潈鐩婂拰渚濇硶寮灞曠殑涓氬姟媧誨姩鍙楀浗瀹舵硶寰嬩繚鎶ゃ傚叾涓昏佷換鍔℃槸絳歸泦鍐滄潙闂叉暎璧勯噾錛屼負鍐滀笟銆佸啘姘戝拰鍐滄潙緇忔祹鍙戝睍鎻愪緵閲戣瀺鏈嶅姟銆備緷鐓у浗瀹舵硶寰嬪拰閲戣瀺鏀跨瓥瑙勫畾錛岀粍緇囧拰璋冭妭鍐滄潙鍩洪噾錛屾敮鎸佸啘涓氱敓浜у拰鍐滄潙緇煎悎鍙戝睍錛屾敮鎸佸悇縐嶅艦寮忕殑鍚堜綔緇忔祹鍜岀ぞ鍛樺跺涵緇忔祹錛岄檺鍒跺拰鎵撳嚮銆傚啘淇＄ぞ鍒嗕負浠ヤ笅閮ㄩ棬錛氬啘淇＄ぞ鍚堜綔紺俱佸啘淇＄ぞ鍥介檯閲戣瀺閮ㄩ棬錛屾斂閫氬啘淇＄ぞ鍩硅瀛︽牎錛屽啘淇＄ぞ淇¤捶閮ㄩ棬絳夛紝鏄鐢遍摱鐩戜細鍜孋SG鍙岄噸棰嗗肩殑閮ㄩ棬銆傚啘鏉戜俊鐢ㄥ悎浣滅ぞ鏄閾惰岀被閲戣瀺鏈烘瀯錛屾墍璋撻摱琛岀被閲戣瀺鏈烘瀯鍙堝彨浣滃瓨嬈炬満鏋勫拰瀛樻捐揣甯侀摱琛岋紝鍏跺叡鍚岀壒寰佹槸浠ュ惛鏀跺瓨嬈句負涓昏佽礋鍊猴紝浠ュ彂鏀捐捶嬈句負涓昏佽祫浜э紝浠ュ姙鐞嗚漿璐︾粨綆椾負涓昏佷腑闂翠笟鍔★紝鐩存帴鍙備笌瀛樻捐揣甯佺殑鍒涢犺繃紼嬨傚啘鏉戜俊鐢ㄥ悎浣滅ぞ鍙堟槸淇＄敤鍚堜綔鏈烘瀯錛屾墍璋撲俊鐢ㄥ悎浣滄満鏋勬槸鐢變釜浜洪泦璧勮仈鍚堢粍鎴愮殑浠ヤ簰鍔╀負涓昏佸畻鏃ㄧ殑鍚堜綔閲戣瀺鏈烘瀯錛岀畝縐扳滀俊鐢ㄧぞ鈥濓紝浠ヤ簰鍔┿佽嚜鍔╀負鐩鐨勶紝鍦ㄧぞ鍛樹腑寮灞曞瓨嬈俱佹斁嬈句笟鍔°備俊鐢ㄧぞ鐨勫緩絝嬩笌鑷鐒剁粡嫻庛佸皬鍟嗗搧緇忔祹鍙戝睍鐩存帴鐩稿叧銆傜敱浜庡啘涓氱敓浜ц呭拰灝忓晢鍝佺敓浜ц呭硅祫閲戦渶瑕佸瓨鍦ㄥｈ妭鎬с侀浂鏁ｃ佸皬鏁伴濄佸皬瑙勬ā鐨勭壒鐐癸紝浣垮緱灝忕敓浜ц呭拰鍐滄皯寰堥毦寰楀埌閾惰岃捶嬈劇殑鏀鎸侊紝浣嗗㈣備笂鐢熶駭鍜屾祦閫氱殑鍙戝睍鍙堝繀欏昏В鍐寵祫鏈涓嶈凍鐨勫洶闅撅紝浜庢槸灝卞嚭鐜頒簡榪欑嶄互緙寸撼鑲￠噾鍜屽瓨嬈炬柟寮忓緩絝嬬殑浜掑姪銆佽嚜鍔╃殑淇＄敤緇勭粐銆
涓夈佸啘鏉戜俊鍚2023騫寸殑瀹氭湡鍒╂伅澶氬皯錛
鏁村瓨鏁村彇錛氫笁涓鏈堝埄鐜囨槸2.86%銆佸崐騫村埄鐜囨槸3.08%銆佷竴騫村埄鐜囨槸3.30%銆佷簩騫村埄鐜囨槸3.75%銆佷笁騫村埄鐜囨槸4.25%銆佷簲騫村埄鐜囨槸4.75%
;3銆侀浂瀛樻暣鍙栥佹暣瀛橀浂鍙栥佸瓨鏈鍙栨伅錛氫竴騫村埄鐜囨槸2.86%銆佷笁騫村埄鐜囨槸3.08%銆佷簲騫村埄鐜囨槸3.30%;
鍥涖佽烽棶鍐滄潙淇＄敤紺捐捶嬈懼埄鎮
鍐滄潙淇＄敤紺劇幇琛屼竴騫存湡璐鋒懼熀鍑嗗埄鐜囨槸騫存伅5.31%錛屼俊鐢ㄧぞ鍦ㄨ捶嬈懼熀鍑嗗埄鐜囩殑鍩虹涓婁笂嫻110%錛屾姌鍚堝埄鐜囨槸11.151%錛屼竴騫寸殑澶ф傚埄鎮鏄5000011.151%=5575.5鍏冿紝鍙鏄涓騫村ぇ姒傜殑鍒╂伅錛屽洜涓洪摱琛岀殑璐鋒懼埄鎮鏄鏈変竴澶╃畻涓澶╃殑錛岄摱琛岀殑璐鋒懼埄鎮閮芥槸鎸夊ｈ妭鐨勶紝娌″ｅ害鐨20鏃ュ墠緇撴伅
Ⅱ 淇″悎璐鋒5涓囦竴騫村埄鎮鏄澶氬皯
浠4.35%鐨勫埄鐜囪＄畻錛屽埄鎮鏄2175鍏冦備俊鍚堣捶嬈劇殑鍒╃巼鏄鍦ㄤ腑鍥戒漢姘戦摱琛屽熀鍑嗗埄鐜囩殑鍩虹涓婅繘琛岃皟鏁村彉鍖栫殑錛屼腑鍥戒漢姘戦摱琛屼竴騫翠互鍐咃紙鍖呭惈涓騫達級璐鋒劇殑鍒╃巼涓4.35%銆傝捶嬈劇殑鍒╂伅=璐鋒劇殑鍒╃巼*璐鋒劇殑閲戦*璐鋒劇殑鏈熼檺錛岄偅涔堣捶嬈50000鍏冧竴騫存墍浜х敓鐨勫埄鎮涓猴細50000*1*4.35%=2175鍏冦
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