2019鍜ㄨ宸ョ▼甯€婃柟娉曡垏瀵﹀嫏(w霉)銆嬮瀼鍥虹繏(x铆)椤�(3)
鐩搁棞(gu膩n)鎺ㄨ枽锛�2019鍜ㄨ宸ョ▼甯€婃柟娉曡垏瀵﹀嫏(w霉)銆嬮瀼鍥虹繏(x铆)椤屽尟绺�
1銆佹煇鎶曡硣闋呯洰鐨勯妧琛屽€熸鐨勭▍鍓嶈硣閲戞垚鏈偤 7.94%锛屾墍寰楃▍绋呯巼鐐� 25%锛屾湡闁撻€氳波鑶ㄨ劰鐜囩偤 3%銆傚墖绋呭悗鎵i櫎閫氳波鑶ㄨ劰鍥犵礌褰遍熆鐨勮硣閲戞垚鏈槸澶氬皯?
2銆佸叕鍙告煇涓€寤鸿ō(sh猫)闋呯洰鎿€氶亷鐧�(f膩)琛屽劒(y艒u)鍏堣偂渚嗙睂鎺硣閲戯紝闈㈠€� 100 鍏�锛岀櫦(f膩)琛屽児鏍� 101 鍏冿紝鐧�(f膩)琛屾垚鏈巼 2%锛屾瘡骞翠粯鎭竴娆★紝鍥哄畾鑲℃伅鐜� 5%锛屽劒(y艒u)鍏堣偂璩囬噾鎴愭湰鏄灏�銆�
3銆佸叕鍙告摤閫氶亷鐧�(f膩)琛岃偂绁ㄤ締鐐洪爡鐩瀺璩�锛屽叕鍙告姇璩囬ⅷ(f膿ng)闅郴鏁�(sh霉)鐐� 1.2锛岄暦鏈熷湅鍌靛埄鐜囩偤 5%锛屽競鍫存姇璩囩祫鍚堥爯(y霉)鏈熸敹鐩婄巼鐐� 12%锛屽埄鐢ㄨ硣鏈硣鐢�(ch菐n)瀹氬児妯″瀷瑷堢畻鐨勭櫦(f膩)琛岃偂绁ㄦ瑠(qu谩n)鐩婅硣閲戞垚鏈巼鐐哄灏�?
4銆佹煇浼佹キ(y猫)濮旀墭閲戣瀺姗熸(g貌u)浠g悊鍏跺偟娆�(qu谩n)鐨勭櫦(f膩)琛屽拰鍏屼粯宸ヤ綔锛岃┎浼佹キ(y猫)鎿櫦(f膩)琛岀殑鍌靛埜闈㈠€肩偤 100 鍏�锛岀櫦(f膩)琛屽児鏍�100 鍏�锛�5 骞存湡锛屽埌鏈熶竴娆¢倓鏈粯鎭�;鍌靛埜鐧�(f膩)琛岃不鐜囩偤鍌靛埜闈㈠€肩殑 1.5%锛屽偟鍒稿厡浠樻墜绾�(x霉)璨荤巼鐐哄偟鍒搁潰鍊肩殑0.3%銆傚鏋滆灏囧偟鍒哥殑璩囬噾鎴愭湰鎺у埗鍦� 10%浠ュ収(n猫i)锛屽墖鍌靛埜鐨勭エ闈㈠埄鐜囦笉鎳�(y墨ng)瓒呭灏�?
5銆佹煇浼佹キ(y猫)娆茬偤鏂伴爡鐩瀺璩�锛屾摤鍚戦妧琛屽€熸 1000 钀厓锛屽勾鍒╃巼鐐� 6%;鍙︽摤鐧�(f膩)琛屾櫘閫氳偂绫岄泦璩囬噾 1200 钀厓锛屾櫘閫氳偂璩囬噾鎴愭湰鐐� 12%銆傛墍寰楃▍绋呯巼鐐� 25%銆傚墖瑭茶瀺璩囨柟妗堟墍寰楃▍鍚庣殑鍔犳瑠(qu谩n)骞冲潎璩囬噾鎴愭湰鏄灏�?
銆愬弮鑰冪瓟妗堛€�
1銆佸€熻哺璩囬噾鎵i櫎閫氳波鑶ㄨ劰褰遍熆鐨勭▍鍚庤硣閲戞垚鏈�=(1+绋呭悗璩囬噾鎴愭湰)/(1+閫氳波鑶ㄨ劰鐜�)
-1=[1+7.94%×(1-25%)]/(1+3%)-1=2.87%銆�
2銆佸劒(y艒u)鍏堣偂璩囬噾鎴愭湰=鍎�(y艒u)鍏堣偂鑲℃伅/(鍎�(y艒u)鍏堣偂鐧�(f膩)琛屽児鏍�-鐧�(f膩)琛屾垚鏈�)=(100×5%)/(101-100×2%)=5.05%銆�
3銆佺櫦(f膩)琛岃偂绁ㄦ瑠(qu谩n)鐩婅硣閲戞垚鏈巼=5%+(12%-5%)×1.2=13.4%銆�
4銆佽ō(sh猫)鍌靛埜鐨勭エ闈㈠埄鐜囨槸 i锛屽墖鏈夛細100-100×1.5%-100×(1+5i)/(1+10%)-100×0.3%/(1+10%)
5=0锛岃В寰� i=11.67%銆�
5銆佸姞娆�(qu谩n)骞冲潎璩囬噾鎴愭湰=1000/(1000+1200)×6%×(1-25%)+1200/(1000+1200)×12%=8.59%銆�
-
2022骞存敞鍐屽挩璇㈠伐绋嬪笀銆婂畯瑙傜粡娴庢斂绛栦笌鍙戝睍瑙勫垝銆嬬湡棰�
闂傚倸鍊搁崐鎼佸箠韫囨稑纾跨€规洖娲犻崑鎾舵喆閸曨偀鏋欓梺杞扮缁夋挳锝為姀銈呭強闁跨噦鎷� 0婵犵數鍋涢悺銊у垝瀹€鍕妞ゆ劧绠戠粈鍕煥閻斿搫孝缁惧墽绮幈銊モ攽閸ャ劉鏋� 闂傚倷鑳舵灙妞ゆ垵妫楅悾婵嬪箹娴g鍋撻崒鐐存櫢闁跨噦鎷� -
2021骞存敞鍐屽挩璇㈠伐绋嬪笀銆婂畯瑙傜粡娴庢斂绛栦笌鍙戝睍瑙勫垝銆嬬湡棰�
闂傚倸鍊搁崐鎼佸箠韫囨稑纾跨€规洖娲犻崑鎾舵喆閸曨偀鏋欓梺杞扮缁夋挳锝為姀銈呭強闁跨噦鎷� 0婵犵數鍋涢悺銊у垝瀹€鍕妞ゆ劧绠戠粈鍕煥閻斿搫孝缁惧墽绮幈銊モ攽閸ャ劉鏋� 闂傚倷鑳舵灙妞ゆ垵妫楅悾婵嬪箹娴g鍋撻崒鐐存櫢闁跨噦鎷� -
2017骞存敞鍐屽挩璇㈠伐绋嬪笀銆婂畯瑙傜粡娴庢斂绛栦笌鍙戝睍瑙勫垝銆嬬湡棰�
闂傚倸鍊搁崐鎼佸箠韫囨稑纾跨€规洖娲犻崑鎾舵喆閸曨偀鏋欓梺杞扮缁夋挳锝為姀銈呭強闁跨噦鎷� 0婵犵數鍋涢悺銊у垝瀹€鍕妞ゆ劧绠戠粈鍕煥閻斿搫孝缁惧墽绮幈銊モ攽閸ャ劉鏋� 闂傚倷鑳舵灙妞ゆ垵妫楅悾婵嬪箹娴g鍋撻崒鐐存櫢闁跨噦鎷� -
2016骞存敞鍐屽挩璇㈠伐绋嬪笀銆婂畯瑙傜粡娴庢斂绛栦笌鍙戝睍瑙勫垝銆嬬湡棰�
闂傚倸鍊搁崐鎼佸箠韫囨稑纾跨€规洖娲犻崑鎾舵喆閸曨偀鏋欓梺杞扮缁夋挳锝為姀銈呭強闁跨噦鎷� 0婵犵數鍋涢悺銊у垝瀹€鍕妞ゆ劧绠戠粈鍕煥閻斿搫孝缁惧墽绮幈銊モ攽閸ャ劉鏋� 闂傚倷鑳舵灙妞ゆ垵妫楅悾婵嬪箹娴g鍋撻崒鐐存櫢闁跨噦鎷�
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