⑴ 杞﹁捶鍒╃巼鎬庝箞綆楀叕寮忥紵
涓銆佽濺璐峰埄鐜囨庝箞綆楀叕寮忥紵
鍒╂伅鎬庝箞璁＄畻鍛錛
奼借濺璐鋒劇殑榪樻炬柟寮忎富瑕佹湁絳夐濇湰鎮鍜岀瓑棰濇湰閲戜袱縐嶏紝鑰岄夋嫨鐨勮繕嬈炬柟寮忋傚埄鎮鐨勮＄畻鏂瑰紡涔熸槸涓嶅悓鐨勩
1. 絳夐濇湰鎮錛
姣忔湀榪樻鵑=[璐鋒炬湰閲懨楁湀鍒╃巼脳錛1鏈堝埄鐜囷級^榪樻炬湀鏁癩梅[錛1鏈堝埄鐜囷級^榪樻炬湀鏁幫紞1]銆
姣斿傝捶嬈30涓囷紝璐20騫達紝璐鋒懼勾鍒╃巼鏄4.90%錛岄偅姣忔湀榪樻鵑={300000脳錛4.90%/12錛壝梉1錛4.90%/12錛塢^240}梅{[1錛4.90%/12錛塢^240錛1}=1963.33鍏冿紝鎬誨叡搴旇繕璐鋒炬湰鎮鏄錛1963.33脳240=471199.72鍏冿紝搴旇繕鍒╂伅鎬婚濆氨鏄錛471199.72-300000=171,199.72鍏冦
2. 絳夐濇湰閲戱細
姣忔湀榪樻鵑=錛堣捶嬈炬湰閲懨瘋繕嬈炬湀鏁幫級錛堣捶嬈炬湰閲-宸插綊榪樻湰閲戠瘡璁￠濓級脳鏈堝埄鐜囥
鍚屾牱鏄璐鋒30涓囷紝璐20騫達紝璐鋒懼埄鐜囦負4.90%錛岄栨湀榪樻鵑=錛300000梅240錛夛紙300000-0錛壝楋紙4.90%/12錛=2475鍏冿紝絎浜屼釜鏈堣繕嬈鵑=錛300000梅240錛塠300000-錛300000/240錛塢脳錛4.90%/12錛=2469.9鍏冿紝涔熷氨鏄姣忎釜鏈堝簲榪樻婚濅緷嬈￠掑噺5.1鍏冦傝屾誨叡搴旇繕璐鋒炬湰鎮鏄447612.5鍏冿紝鎵浠ュ簲榪樺埄鎮鎬婚濆氨鏄錛447612.5-300000=147612.5鍏冦
浜屻佽濺璐峰埄鎮鎬庝箞綆
涓鑸璐鋒懼潎閲囩敤絳夐濇湰鎮榪樻炬硶錛岃捶嬈9涓囷紝鍒╂伅7鍘橈紙騫村寲鍒╃巼8.4%錛夛紝3騫磋繕嬈撅紙36涓鏈堬級錛屾瘡鏈堣繕嬈撅細2836.91鍏冦3騫磋捶嬈懼埄鎮鎬婚濅負錛12128.76鍏冦傛瘡鏈堣繕嬈鵑濊＄畻鍏寮忓備笅錛歔璐鋒炬湰閲懨楁湀鍒╃巼脳錛1鏈堝埄鐜囷級^榪樻炬湀鏁癩梅[錛1鏈堝埄鐜囷級^榪樻炬湀鏁幫紞1]鎷撳睍璧勬枡錛氳濺璐峰埄鐜囧氨鏄鎸囦漢浠璐鋒句拱杞︽椂鎵浣跨敤鐨勮捶嬈劇殑鍒╃巼銆傛槸璐鋒句漢鏍規嵁娉曞畾璐鋒懼埄鐜囧拰涓鍥戒漢姘戦摱琛岃勫畾鐨勬誕鍔ㄥ悓璋嬭寖鍥達紝緇忎笌鍊熸句漢鍏卞悓鍟嗗畾錛屽苟鍦ㄥ熸懼悎鍚屼腑杞芥槑鐨勬煇涓絎斿叿浣撴苯杞﹁捶嬈劇殑鍒╃巼銆傛寜澶琛岃勫畾錛屾苯杞﹁捶嬈炬墽琛岃捶嬈懼熀鍑嗗埄鐜囷紝浣嗗悇閲戣瀺鏈烘瀯鍙鍦ㄥ熀鍑嗗埄鐜囦笂涓嬩竴瀹氳寖鍥村唴榪涜屾誕鍔ㄣ傚悇澶ч摱琛屾苯杞﹁捶嬈炬湡闄愪竴鑸涓嶈秴榪5騫淬傝濺璐鋒湀渚涚殑璁＄畻鍏寮:A=P{i(1i)^n/[(1i)^n-1]}A:姣忔湀渚涙綪:渚涙炬婚噾棰漣:鏈堝埄鐜(騫村埄/12)n:渚涙炬繪湀鏁(騫疵12)鎿嶄綔姝ラよ濺璐峰埄鐜囪＄畻鍣ㄧ殑鎿嶄綔姝ラゅ備笅絎1姝:鎸夌収鎻愮ず瑕佹眰璇峰傚疄鐨勫～鍐欎俊鎮錛屾湁涓嬫媺妗嗙殑鍔犱互閫夋嫨銆傜2姝:鎻愪氦鍚庢苯杞﹁捶嬈捐繕嬈鵑噾棰濆強鍒╂伅灝嗕細娓呮氱殑璁＄畻鍑烘潵銆傚叾涓錛岄渶瑕佸～鍐欑殑淇℃伅鍖呮嫭:鍦板尯銆佽捶嬈炬満鏋勭被鍒銆佽捶嬈炬満鏋勩佽捶嬈炬瘮渚嬨佽捶嬈炬湡闄愩佽捶嬈鵑噾棰濄佽捶嬈懼勾鍒╃巼銆佽繕嬈炬柟寮忋佸伩榪橀戠巼錛屾槸鍚︽樉紺鴻繕嬈炬槑緇嗐傚綋鎮ㄥ～鍐欏ソ浠ヤ笂淇℃伅鍚庯紝鐐瑰嚮璁＄畻鎸夐挳錛屽氨浼氬緱鍒版偍鎯寵佽＄畻鐨勭粨鏋溿傝濺璐風殑瀹為檯鍒╃巼鐢卞姙鐞嗛摱琛屾牴鎹瀹㈡埛鐨勫疄闄呮儏鍐碉紝鍙傜収澶琛岃勫畾鐨勮捶嬈懼熀鍑嗗埄鐜囨潵鍒跺畾錛屼竴鑸鏉′歡浼樼鐨勫㈡埛鍙浠ヤ韓鍙楀熀鍑嗗埄鐜囨垨鑰呬笅嫻10%宸﹀彸錛屾櫘閫氬㈡埛鍒欓渶瑕佸湪鍩哄噯鍒╃巼鍩虹涓婁笂嫻10%宸﹀彸銆傝繕璐鋒柟寮忥細涓嬈℃ц繕鏈浠樻伅娉曞張縐板埌鏈熶竴嬈¤繕鏈浠樻伅娉曪紝鏄鎸囧熸句漢鍦ㄨ捶嬈炬湡鍐呬笉鏄鎸夋湀鍋胯繕鏈鎮錛岃屾槸璐鋒懼埌鏈熷悗涓嬈℃у綊榪樻湰閲戝拰鍒╂伅錛屾棩鍓嶄漢姘戦摱琛岄佸竷鐨1騫存湡鍐(鍚1騫)鐨勪釜浜轟綇鎴胯捶嬈撅紝閲囩敤鐨勫氨鏄榪欑嶆柟寮忋傜幇鍚勯摱琛岃勫畾錛岃捶嬈炬湡闄愬湪涓騫翠互鍐(鍚涓騫)錛岄偅涔堣繕嬈炬柟寮忎負鍒版湡涓嬈¤繕鏈浠樻伅錛屽嵆鏈熷垵鐨勮捶嬈炬湰閲戝姞涓婃暣涓璐鋒炬湡鍐呯殑鍒╂伅緇煎悎銆備竴嬈¤繕鏈浠樻伅娉曠殑璁＄畻鍏寮忓備笅:鍒版湡涓嬈¤繕鏈浠樻伅棰=璐鋒炬湰閲懨梉1騫村埄鐜(%)](璐鋒炬湡涓轟竴騫)鍒版湡涓嬈¤繕鏈浠樻伅棰=璐鋒炬湰閲懨梉1鏈堝埄鐜(鈥)脳璐鋒炬湡(鏈)](璐鋒炬湡涓嶅埌涓騫)鍏朵腑:鏈堝埄鐜=騫村埄鐜嚸12絳夐濇湰鎮絳夐濇湰鎮鏄鎸囦竴縐嶈喘鎴胯捶嬈劇殑榪樻炬柟寮忥紝鏄鍦ㄨ繕嬈炬湡鍐咃紝姣忔湀鍋胯繕鍚岀瓑鏁伴濈殑璐鋒(鍖呮嫭鏈閲戝拰鍒╂伅)銆傛瘡鏈堣繕嬈鵑濊＄畻鍏寮忓備笅:[璐鋒炬湰閲懨楁湀鍒╃巼脳(1鏈堝埄鐜)^榪樻炬湀鏁癩梅[(1鏈堝埄鐜)^榪樻炬湀鏁-1]
涓夈佹垜鐨勮濺璐峰埄鐜囨庝箞綆?
鎴戣濺璐鋒80000鍏冧笁騫存湡姣忔湀榪2616鍏冨埄鎮楂樹笉楂
鍥涖佽濺璐10涓36鏈熷埄鎮鎬庝箞綆
????鍋囪句互浜烘皯閾惰屽叕甯冪殑1-3騫(鍚3騫)騫寸殑璐鋒懼埄鐜囦負閭ｄ箞鏅閫氳捶嬈3騫寸殑鍒╂伅灝辨槸=100000鍏冦
??????10騫36鏈熷埄鎮浠ュ緩琛岀殑絳夐濇湰鎮榪樻硶錛氳捶嬈炬湰閲戜負10003騫淬傛瘡鏈堟湀渚涜繕嬈炬湰鎮棰濇槸鍘呭垽瑾夊厓錛涙昏繕嬈鵑噾棰濇槸鍏冦傚叡搴旇繕鍒╂伅鍏冿紱絎1涓鏈堣繕鍒╂伅涓哄厓錛涚1涓
??????鍒嗘湡浠樻鵑櫎浜嗗拰閾惰岃捶嬈撅紝涔熸湁閫氳繃淇＄敤鍗″垎鏈熶粯嬈懼拰奼借濺閲戣瀺鍏鍙鎬俊璐鋒壆孌電殑鏂瑰紡銆傝濺涓誨彲浠ュ氫簡瑙ｄ笅涓嶅悓鐨勮捶嬈炬柟寮忕殑棣栦粯嬈懼拰鍒╃巼鏄澶氭潵閫夋嫨鍚堥傜殑璐鋒炬柟寮忋
杞﹁捶
??????杞﹀拹鑰佽捶鍒╂伅涓昏佷笌璐鋒懼埄鐜囧拰鏈熼檺鏈夊叧錛岃＄畻鍏寮忎負錛氬勾鍒╃巼鏈熼檺銆傞渶瑕佹彁閱掕濺涓伙紝鏈夐儴鍒嗕婦鐫鈥滈浂鍒╃巼鈥濄佲滈浂棣栦粯鈥濈殑鏃楀笢錛屽叾鑳屽悗/鏈嶅姟璐圭瓑錛屽線寰鏈緇堜粯嬈劇殑閲戦濇瘮璐鋒懼埄鎮榪樿侀珮銆
??????鍦ㄨ捶嬈劇殑奼借濺閲戣瀺鎷呬繚鍏鍙告彁渚涚殑鐪嬩簡瑙ｅ叕鍙哥殑淇¤獕鏄鍚﹀惁寮哄ぇ絳夈
⑵ 杞﹁捶鍒╂伅鎬庝箞綆楃殑
涓銆佽濺璐峰埄鎮鎬庝箞綆楃殑?
50000/24涓鏈=姣忎釜鏈堢殑鏈閲戱紝鍔犱笂鍒╂伅5.94/1000=姣忎釜鏈堢殑榪樻鵑
浜屻佽濺璐峰埄鐜囨庝箞璁＄畻錛
杞﹁捶鐨勫埄鐜囬氬父鍦5%-12%涔嬮棿錛岃捶嬈句竴騫寸殑鍒╃巼鍦3%-6%涔嬮棿錛屼篃灝辨槸璇磋捶嬈5涓囧厓錛屾瘡騫寸殑鍒╂伅澶ф傚湪1500-3000鍏冦(鐪嬩笅闈涓夊墮摱琛)
1.宸ュ晢錛堟煡鎴愪氦浠穦鍙傞厤|浼樻儬鏀跨瓥錛夐摱琛岋細6涓鏈堜互鍐(鍚6涓鏈)錛岃濺璐峰埄鐜5.60%錛6涓鏈堣嚦1騫(鍚1騫)杞﹁捶鍒╃巼6.00%錛1-3騫(鍚3騫)錛6.15%騫達紱3-5騫(鍚5騫)錛6.40%騫達紱5騫翠互涓婏紝6.55%騫淬
2.涓鍥介摱琛岋細璐鋒炬湡闄1騫達紝璐鋒懼埄鐜4%錛2騫達紝8%錛3騫達紝12%銆
3.涓鍥藉緩璁鵑摱琛岋細1-3騫(鍚3騫)錛5.31%騫達紱3-5騫(鍚5騫)錛5.4%騫淬
涓夈佽濺璐峰埄鎮鎬庝箞綆
璁＄畻杞﹁捶鐨勫埄鎮錛屾槸鏈変竴涓鍏蜂綋鐨勫叕寮忥紝杞﹁捶鍒╂伅=璐鋒鵑噾棰濆勾鍒╃巼鏈熼檺錛岄氳繃榪欎釜鍏寮忥紝灝卞彲浠ヨ＄畻鍑轟拱杞︾殑鍏ㄩ儴鍒╂伅銆傚叾瀹炲獎鍝嶅埄鐜囩殑鍥犵礌鏄姣旇緝澶氱殑錛屾瘮濡傝村拰璐鋒句漢鐨勮祫淇°侀栦粯嬈俱佷紭鎯犳椿鍔ㄧ瓑絳夐兘鏈夊叧緋伙紝鍥犳よ佹牴鎹褰撴椂鐨勫疄闄呮儏鍐碉紝閫氳繃鍏寮忔潵璁＄畻鍑哄埄鎮銆備絾鏄澶у氭暟鐨勯摱琛岋紝鎴栬呮槸閲戣瀺鍏鍙哥殑璐鋒懼埄鎮錛岄兘鏄鍦4%-12%涔嬮棿鐨勩
涓句釜渚嬪瓙錛屽叿浣撶畻鍑哄埄鎮錛屾瘮濡傝村悜涓鍥介摱琛岃捶浜12涓囷紝鐢3騫磋繕娓咃紝褰撴椂瀹℃壒鐨勫勾鍒╃巼鏄12%錛屾湀鍒╃巼涓0.33%錛屽彲浠ュ緱鍑虹涓涓鏈堣繕嬈鵑噾棰濓細錛120000梅36錛夛紙120000-0錛墄0.33%=3729.3鍏冿紝鍏朵腑鍒╂伅涓396鍏冿紝絎浜屼釜鏈堣繕嬈鵑噾棰濓細錛120000梅36錛夛紙120000-3333.3錛墄0.33%=3718.3鍏冿紝鍏朵腑鍒╂伅涓385鍏冦備互姝ょ被鎺錛屽緱鍑烘昏″埄鎮涓7319.4鍏冦傞渶瑕佽繕鐨勫埄鎮鏄姣旇緝澶氱殑錛屽洜姝よ村湪鏉′歡鍏佽哥殑鎯呭喌涓嬶紝鏈濂芥槸鍏ㄦ捐喘杞︼紝涓嶈佷互璐鋒劇殑褰㈠紡鏉ユ敮浠樸
鍥涖佽濺璐10涓36鏈熷埄鎮鎬庝箞綆
杞﹁捶10涓囦笁騫寸殑鍒╂伅錛屽叿浣撴庝箞綆楄繕鏄闇瑕佹牴鎹閾惰屾潵鍐沖畾錛屽洜涓烘瘡涓閾惰岀殑鍒╃巼閮芥槸涓嶅悓鐨勩傝＄畻鍏寮忔湡闄愩傚氨鎸夌収浜烘皯閾惰1鍒3騫寸殑娑堣垂璐鋒懼埄鐜4.75%鏉ヨ存槑銆傞偅涔堜漢姘戦摱琛岃捶嬈3騫寸殑鍒╂伅綆楁硶灝辨槸1000004.75%3=14250鍏冦
璇風偣鍑昏緭鍏ュ浘鐗囨弿榪幫紙鏈澶18瀛楋級
瑕佹槸浠ュ緩璁鵑摱琛岀殑絳夐濇湰鎮榪樻硶閭ｄ箞璐鋒炬湰閲戜負100004.75%錛岃捶嬈懼勾闄愪負3騫淬傞偅涔堝緩璁鵑摱琛岀殑璐鋒炬瘡鏈堟湀渚涜繕嬈炬湰鎮棰濅負2985.88鍏冿紝鎬昏繕嬈鵑噾棰濅負107491.68鍏冿紝鍏卞簲榪樺埄鎮涓7491.68鍏冦傛墍浠ョ1涓鏈堣繕鍒╂伅涓395.83鍏冿紝絎1涓鏈堣繕鏈閲戜負2590.05鍏冦
鎺ヤ笅鏉ヤ粙緇嶄竴浜涚巼錛
1銆佷腑鍥介摱琛岄偅涔堣捶嬈劇殑鍒╃巼4%銆備腑鍥介摱琛岃捶嬈炬湡闄愪負2騫%銆備腑鍥介摱琛岃捶嬈懼勾闄愪負3騫達紝閭ｄ箞璐鋒懼埄鐜囦負12%銆
2銆佷腑鍥藉緩璁鵑摱琛岃捶嬈懼勾闄愪負鍒╃巼涓5.31%騫存暟銆備腑鍥藉緩璁鵑摱琛岃捶嬈懼勾闄愪負3鍒5騫達紝閭ｄ箞瀹冪殑鍒╃巼涓5.4%騫存暟銆
3銆佷腑鍥藉伐鍟嗛摱琛岃捶嬈炬湡闄愪負6涓鏈堜互鍐咃紝閭ｄ箞杞﹁捶鍒╃巼涓5.60%銆傚傛灉鏈熼檺涓6涓鏈堝埌1騫達紝閭ｄ箞杞﹁捶鍒╃巼6.00%銆備腑鍥介摱琛岃捶嬈懼勾闄愪負1-3騫達紝閭ｄ箞瀹冪殑鍒╃巼涓6.15鍒╃巼涓6.40%騫存暟銆傛渶鍚.55%騫存暟銆
⑶ 璐鋒句拱杞﹀埄鎮鏄鎬庝箞璁＄畻鐨勶紵
涓銆佽捶嬈句拱杞﹀埄鎮鏄鎬庝箞璁＄畻鐨勶紵
1銆18涓囩殑杞︿環棣栦粯20%灝辨槸3.6涓囧厓錛岃捶嬈懼氨鏄14.4涓囧厓錛
2銆佺涓騫村勾鍒╂伅灝辨槸14.4涓囧厓0.0269騫村埄鐜=3873.6鍏冿紱
3銆佺涓涓鏈堣繕嬈懼氨鏄3873.6鍏/12涓鏈=322.8鍏冿紱6銆佺涓涓鏈堣捶嬈炬湰閲14.4涓囧厓/36涓鏈=4000鍏冦7銆佺涓涓鏈堣捶嬈炬湰閲戝埄鎮灝辨槸4000鍏322.8鍏=4322.8鍏冦傛敞鎰4322.8鍏冨簲璇ユ槸絎涓涓鏈堢殑鏈閲戝埄鎮錛岀敱浜庤捶嬈炬湰閲戦愭湀鍑忓皯錛岃捶嬈劇殑鍒╂伅涔熷搷搴斾細鍑忓皯錛岃蜂笌奼借濺閿鍞鍟嗘矡閫氾紒
浜屻佷拱杞﹁捶嬈懼備綍璁＄畻鍒╂伅
涔拌濺璐鋒懼彲浠ョ敤鍏寮忊滃埄鎮=璐鋒炬湰閲戣捶嬈懼埄鐜囪捶嬈炬湡闄愨濓紝鏉ヨ＄畻鍑哄埄鎮銆備竴鑸鏉ヨ達紝璐鋒炬満鏋勪細鏍規嵁鍊熸句漢鐨勪釜浜鴻祫璐錛屾潵鍐沖畾鍊熸句漢鐨勮捶嬈懼埄鐜囥佽捶嬈鵑噾棰濄佽捶嬈炬湡闄愩
鍋囪懼熸句漢璐鋒劇殑閲戦濅負50000鍏冿紝璐鋒炬湡闄愪負3騫達紝璐鋒懼埄鐜囦互鍩哄噯鍒╃巼4.75%璁＄畻錛岄偅涔堝熸句漢搴旀敮浠樼殑鎬誨埄鎮涓5000034.75%=7125鍏冦
涓夈佽喘杞﹁捶嬈懼埄鎮鎬庝箞綆,鎬庢牱璁＄畻璐鋒懼埄鎮
鐢叉柟璇佹嵁:鍊熸嵁(鍊熸句漢澶勬湁縐佷漢絳懼悕-鍏鍙稿壇緇忕悊鍜屼細璁＄殑,娌″叕絝)錛屽熸嵁鍐呭癸細鍏瑰焁XX(鐢叉柟)浜烘皯甯乆XX鍏冿紝鍊熸句漢XXXXXX(鍓緇忕悊鍜屼細璁＄懼悕)錛庝箼鏂硅瘉鎹:1)鍑哄熶漢鍦ㄥ叕鍙哥鵑嗚〃涓婄懼悕棰嗗埄鎮,2)鍑虹撼浼氳″笎閮藉弽鏄犵敳鏂瑰熸劇粰鍏鍙,3)鐢叉柟鐩存帴灝嗘句氦鍑虹撼(鍑虹撼,閾惰岀殑璇佹槑),4)鍏鍙告硶浜虹粡鐞嗗嚭鍏風殑濮旀墭璇佹槑(浜嬪墠鐢佃瘽涓婂拰鐢叉柟璋堝ソ浜,鐢佃瘽濮旀墭浜屼漢鍔炵悊,浜嬪悗娉曚漢榪借ょ殑),5)鐢叉柟鏄鍏鍙歌偂涓(宸ュ晢灞娉ㄥ唽),娌℃湁鍑鴻祫錛屽嚑騫存潵鍊熸劇粰鍏鍙稿氭★紝閮芥槸瑕佸叕鍙鎬漢鍛樺嚭鍏風佷漢鍊熸嵁褰㈠紡,鏄鑲′笢鍜屽叕鍙哥殑綰﹀畾,宸叉垚鎯渚(璐浼氬笎涓婃湁鍙嶆槧鍑烘潵,榪樻湁淇濈暀鐨勪互鍓嶇殑鍚屾牱鎴栧悓綾葷佷漢鍊熸嵁,鍏朵腑鏈夌涓嬈℃硶浜哄拰浼氳′釜浜虹懼悕涓哄叕鍙稿熸劇殑縐佷漢鍊熸嵁,鍏ㄩ儴閮芥槸鐢叉柟鍦ㄥ叕鍙哥懼悕棰嗗洖鏈鎮)錛岃繕鏈変袱絎旀病榪橈紝璇ュ熸嵁鏄鍏朵腑涔嬩竴錛屽湪鍏鍙告嬁浜嗛珮鎮,鐜板湪鍏鍙鎬笉琛屼簡灝辮搗浜忓績.鐢叉柟璁や負錛氬叕鍙告槸絀哄３鍏鍙革紝鎴戜笉鍚屾剰鍊熼挶鍏鍙革紝鍙鍊熼挶緇欑佷漢,鎵浠ヨ佷綘浠鍐欑佷漢鍊熸嵁錛屼竴鐩撮兘鏄鍊熺粰縐佷漢錛屼簩浜虹懼悕錛屾槸縐佷漢鍊熸嵁錛屾垜灝嗛挶鍊熺粰浠栦滑浜屼漢錛屽備綍榪樻懼拰鍒╂伅涓嶅獎鍝嶅烘潈鍊哄姟鍏崇郴,鏄涓や漢鐨勭佷漢鍊熸撅紟涔欐柟璁や負錛氫袱浜哄彈娉曚漢濮旀墭鑰岀懼啓鍊熸嵁鏄鑱屽姟琛屼負錛岀敳鏂瑰皢閽辯洿鎺ヤ氦鍏鍙/鍑虹撼鑰屾病鏈変氦緇欎簩浜(鑷鐒朵漢闂村熻捶涓嶇敓鏁,)錛屽叕鍙稿悜鐢叉柟鍊熸懼啓縐佷漢鍊熸嵁鏄鎯渚,鍏鍙歌儲浼氬笎鏈夋竻鏅拌板綍,鍙堝湪鍏鍙哥鵑嗗埄鎮(鍏鍙稿拰鐢叉柟鍐嶆＄浉浜掓壙璁)錛屼負鍏鍙稿熸,鎵懼叕鍙歌!闂棰樻槸:1)鏄鍏鍙稿熸捐繕鏄縐佷漢鍊熸?2)娉曞緥浜嬪疄鍝鏂硅瘉鎹寮?鍏鍙哥幇鍦ㄤ笉琛屼簡,鐢叉柟鍙鑳芥兂瑕佷簩浜鴻繕嬈句簡,鍊熸嵁鏄鐩存帴璇佹嵁錛佷箼鏂圭殑鐤戞儜:浜屼漢鏄絳懼啓浜嗗熸嵁,浣嗘槸鏄鍙楁硶浜哄旀墭浠ｈ〃鍏鍙哥懼啓鐨,鍙楁墭浜哄氨涓嶈兘浠ヨ嚜宸辯殑鍚嶄箟絳懼悎鍚?鍦ㄧ懼啓鍚堝悓(鍊熸嵁)鏃,鐢叉柟鏄鐭ラ亾鍏朵唬琛ㄥ叕鍙稿熸劇殑(鐢辮瘉鎹璇佹槑:1鐢叉柟鐩存帴灝嗛挶浜ゅ叕鍙,2鍓嶅悗鍑犲勾鍦ㄥ叕鍙擱嗗埄鎮鐣欎笅鐨勪功璇,3鍑犲勾鏉ュ悓鏍風殑鍊熸劇敳鏂瑰湪鍏鍙哥懼崟/鍚嶉嗕細鏈閲戠暀涓嬬殑涔﹁瘉4鐢叉柟鑷宸辨槸鑲′笢,浜屼漢韜浠,娉曚漢鐨勫旀墭璇佹槑鏉愭枡),鍐嶈寸敳鏂瑰瑰叕鍙稿飽琛屼簡浠樻句箟鍔,騫跺悜鍏鍙鎬富寮犱簡鏉冨埄(瑕佸埄鎮),鎸夋皯娉曠殑鍏騫沖師鍒欏拰鍚堝悓鐨勭浉瀵規,涔熶笉璇ュ悜浜屼漢涓誨紶鏉冨埄鐨.濡傛灉鏄縐佷漢鍊熸(鑷鐒朵漢涔嬮棿鐨勫熸),鎸夊悎鍚屾硶210鏉,鍚堝悓涔熸病鐢熸晥
鍥涖佽濺璐峰埄鎮璁＄畻鍏寮
杞﹁捶璁＄畻鍏寮忥細1銆侀濇湰鎮榪樻炬硶錛屽嵆璐鋒炬湡姣忔湀浠ョ浉絳夌殑棰濆害騫沖潎鍋胯繕璐鋒炬湰鎮錛屾瘡鏈堣繕嬈捐＄畻鍏寮忎負錛氭瘡鏈堣繕嬈鵑=璐鋒炬湰閲懨楁湀鍒╃巼脳錛1鏈堝埄鐜囷級榪樻炬湀鏁/[錛1鏈堝埄鐜囷級榪樻炬湀鏁-1];鎷撳睍璧勬枡錛氳濺璐鳳紙CarLoan錛夋寚璐鋒句漢鍚戠敵璇瘋喘涔版苯杞︾殑鍊熸句漢鍙戞斁鐨勮捶嬈俱傝濺璐風殑瀹為檯鍒╃巼鐢卞姙鐞嗛摱琛屾牴鎹瀹㈡埛鐨勫疄闄呮儏鍐碉紝鍙傜収澶琛岃勫畾鐨勮捶嬈懼熀鍑嗗埄鐜囨潵鍒跺畾銆傝濺璐風被鍨嬩富瑕佹湁鐩村㈠紡銆侀棿瀹㈠紡銆佷俊鐢ㄥ崱杞﹁捶涓夌嶃傝濺璐鋒湡闄愪竴鑸涓1-3騫達紝鏈闀誇笉瓚呰繃5騫淬傝濺璐風被鍨嬭濺璐蜂釜浜鴻捶嬈捐喘杞︿笟鍔″垎涓虹洿瀹㈠紡銆侀棿瀹㈠紡銆佷俊鐢ㄥ崱杞﹁捶涓夌嶃傜洿瀹㈠紡涓鑸涓哄㈡埛鐩存帴瑙侀潰榪涜岃捶嬈劇殑閾惰岃濺璐鳳紝闂村㈠紡涓鑸涓烘苯杞﹂噾鋙嶅叕鍙歌漿鎺ュ㈡埛鐨勬苯杞﹂噾鋙嶅叕鍙歌濺璐楓傜洿瀹㈠紡閾惰岃濺璐鳳紝鎵鏀剁殑璐圭敤欏圭洰涓烘娂閲戙佹湰鎮銆3%鎷呬繚璐圭瓑錛岄摱琛屼紭璐ㄥ㈡埛璐圭敤榪樹細鏈夋墍浼樻儬錛屼笉榪囨瘡瀹墮摱琛岀殑浼樻儬鏀跨瓥鍚勬湁涓嶅悓銆傞棿瀹㈠紡奼借濺閲戣瀺鍏鍙歌濺璐烽櫎浜嗙即綰充互涓婅垂鐢ㄥ栵紝榪橀渶璐熸媴鐩戠¤垂銆佽濺闃熺＄悊璐廣佽川淇濈畫淇濇娂閲戣繕鏈変竴縐嶅氨鏄淇＄敤鍗¤濺璐鳳紝淇＄敤鍗″垎鏈熻喘杞﹁捶嬈懼彧瀵歸摱琛屼俊鐢ㄥ崱鐢ㄦ埛鎻愪緵鍒嗘湡浠樻撅紝涓嶆槸浠諱綍鏉′歡閮藉彲浠ュ姙鐞嗭紝榪樿佹湁涓涓瀹℃牳紼嬪簭錛屾湁涓嶈壇淇＄敤璁板綍鐨勪俊鐢ㄥ崱鐢ㄦ埛灝卞緢闅懼姙鐞嗐備俊鐢ㄥ崱鍒嗘湡璐杞︾殑鍏蜂綋姝ラゅぇ鑷村備笅錛1.鎸佸崱浜(鎴栫敵璇蜂漢)鐢佃瘽璧勮㈤摱琛屼俊鐢ㄥ崱涓蹇冩垨鍘誨綋鍦伴摱琛岋紝浜嗚В鏄鍚﹁兘澶熷姙鐞嗕俊鐢ㄥ崱杞﹁捶銆2.鎸佸崱浜烘寔鏈浜鴻韓浠借瘉浠訛紝鑷崇粡閿鍟嗗勭幇鍦哄～鍐欒濺璐鏄撳垎鏈熻㈠崟錛屼氦鐢遍摱琛屽悗鍙板疄鏂藉℃牳銆3.褰撹㈠崟瀹℃牳閫氳繃鍚庯紝鎸佸崱浜轟粯棣栦粯嬈撅紝騫跺姙鐞嗘ｅ父璐杞︽墜緇銆4.褰撹濺杈嗕笂瀹岀墝鐓т互鍚庯紝鎸佸崱浜洪渶瑕佸悜閾惰屽姙鐞嗘姷鎶兼墜緇鍚屾椂璐涔版墍闇瑙勫畾杞﹂櫓闄╃嶃5.鏈鍚庢垜浠灝卞彲浠ラ『鍒╁湴灝嗙埍杞﹀紑璧般傝捶嬈炬潯浠1.鍏鋒湁鏈夋晥韜浠借瘉鏄庝笖鍏鋒湁瀹屽叏姘戜簨琛屼負鑳藉姏錛2.鑳芥彁渚涘滻瀹氬拰璇︾粏浣忓潃璇佹槑錛3.鍏鋒湁紼沖畾鐨勮亴涓氬拰鎸夋湡鍋胯繕璐鋒炬湰鎮鐨勮兘鍔涳紱4.涓浜虹ぞ浼氫俊鐢ㄨ壇濂斤紱5.鎸佹湁璐鋒句漢璁ゅ彲鐨勮喘杞﹀悎鍚屾垨鍗忚錛6.鍚堜綔鏈烘瀯瑙勫畾鐨勫叾浠栨潯浠躲