銆€銆€銆愭憳瑕併€�2016骞寸稉(j墨ng)婵�(j矛)甯€冭│宸茬稉(j墨ng)绲�(ji茅)鏉燂紝鏂扮殑涓€杓倷鑰冨嵆灏囬枊濮�锛岀恫(w菐ng)鏍＄偤鏂逛究澶у鍌欒€�2017骞寸稉(j墨ng)婵�(j矛)甯€冭│锛岀壒鍒嗕韩浜�“2017骞村垵绱�(j铆)缍�(j墨ng)婵�(j矛)鍩虹(ch菙)鑰冮粸(di菐n)闋�(y霉)缈�(x铆)锛氬埄鐜囪垏鍒╂伅”锛屽笇鏈涘皪(du矛)澶у闋�(y霉)缈�(x铆)鏈夊公鍔�锛屾洿澶氳硣鏂欐暚璜�(q菒ng)闂�(gu膩n)娉ㄧ挵(hu谩n)鐞冪稉(j墨ng)婵�(j矛)甯€冭│闋婚亾……

銆€銆€鐩搁棞(gu膩n)鎺ㄨ枽锛�2017骞村垵绱�(j铆)缍�(j墨ng)婵�(j矛)鍩虹(ch菙)鑰冮粸(di菐n)闋�(y霉)缈�(x铆)鍖附

銆€銆€銆愯€冮粸(di菐n)浜斻€戝埄鐜囪垏鍒╂伅

銆€銆€寤鸿闂�(gu膩n)娉ㄥ京(f霉)鍒╄▓(j矛)鎭€佸埄鐜囩殑绋銆佸奖闊垮埄鐜囨按骞崇殑鍥犵礌銆�

銆€銆€(涓€)鍒╃巼鐨勫畾缇╁強瑷�(j矛)绠�

銆€銆€1.鍒╃巼鐨勫畾缇╋細鍒╂伅鐜囨槸涓€瀹氭檪(sh铆)鏈熷収(n猫i)鍒╂伅椤嶅皪(du矛)鍊熻哺鏈噾椤嶄箣姣�锛岀啊(ji菐n)绋卞埄鐜�銆�

銆€銆€鍏紡锛氬埄鐜�=鍒╂伅椤�/(鍊熻哺鏈噾椤�×鏈熼檺)

銆€銆€鍒╂伅椤�=鍊熻哺鏈噾椤�×鏈熼檺×鍒╃巼

銆€銆€2.瑷�(j矛)鎭柟娉曪細?ji菐n)鍗巰?j矛)鎭柟娉曘€佸京(f霉)鍒╄▓(j矛)鎭柟娉�

銆€銆€(1)鍠埄瑷�(j矛)鎭柟娉曪細鍍呬互鍘熸湁鏈噾瑷�(j矛)鎭殑鏂瑰紡銆�

銆€銆€鏈埄鍜�=鏈噾×(1+鍒╃巼×鏈熼檺)

銆€銆€Pt=P0(1+i×t)

銆€銆€銆愪緥濡傘€戞姇璩囪€呭皣100钀厓瀛樺叆閵€琛岋紝鍋囧骞村埄鐜囩偤5%锛屼竴骞磋▓(j矛)鎭竴娆�锛屾寜鍠埄瑷�(j矛)绠�锛屽墖绗�3骞存湯鎶曡硣鑰呭彲寰楀埌鐨勬湰鎭拰鐐�?

銆€銆€銆庢纰虹瓟妗堛€�100×(1+5%×3)=115(钀厓)銆�

銆€銆€(2)寰�(f霉)鍒╄▓(j矛)鎭柟娉曪細姣忔湡灞嗘豢鏅�(sh铆)锛屽皣鍒╂伅鍔犲叆鏈噾鍐嶈▓(j矛)鎭殑鏂瑰紡銆�

銆€銆€鏈埄鍜�=鏈噾×(1+鍒╃巼)鏈熼檺

銆€銆€Pt=P0(1+i)t

銆€銆€銆愪緥濡傘€戞姇璩囪€呭皣100钀厓瀛樺叆閵€琛�锛屽亣濡傚勾鍒╃巼鐐�5%锛屼竴骞磋▓(j矛)鎭竴娆�锛屾寜寰�(f霉)鍒╄▓(j矛)绠楋紝鍓囩3骞存湯鎶曡硣鑰呭彲寰楀埌鐨勬湰鎭拰鐐�?

銆€銆€銆庢纰虹瓟妗堛€�100×(1+5%)3=115.76(钀厓)銆�

銆€銆€(浜�)鍒╃巼鐨勭ó椤�

銆€銆€1.鍩烘簴(zh菙n)鍒╃巼

銆€銆€鍩烘簴(zh菙n)鍒╃巼鏄寚鍦ㄥ埄鐜囬珨绯讳腑璧蜂富灏�(d菐o)浣滅敤锛岃兘澶犲付鍕�(d貌ng)鍜屽奖闊垮叾浠栧悇绋埄鐜囩殑鍒╃巼锛屼篃绋变腑蹇冨埄鐜�锛屼竴鑸敱涓€鍦�(gu贸)璨ㄥ梗鐣�(d膩ng)灞€(涓ぎ閵€琛�)鎺屾彙銆�

銆€銆€2.鎸夌収鍒╃巼鐨勭鐞嗛珨鍒跺妰鍒�

銆€銆€3.鎸夊湪淇¤哺鏈熼檺鍏�(n猫i)鍒╃巼鏄惁鑳借畩鍕�(d貌ng)渚嗗妰鍒�

銆€銆€鍥哄畾鍒╃巼锛氬湪铻嶈硣鏈熼檺涔嬪収(n猫i)涓嶄綔浠讳綍瑾�(di脿o)鏁寸殑鍒╃巼銆�

銆€銆€娴嫊(d貌ng)鍒╃巼锛氭煇涓€绋俊鐢ㄤ互纰哄畾鐨勫埄鐜囩偤鍩烘簴(zh菙n)鍒╃巼锛屽湪绶犵祼(ji茅)姣忎竴娆′俊鐢ㄩ棞(gu膩n)绯绘檪(sh铆)锛岃灏�(du矛)璞＄殑淇＄敤绋嬪害锛屽埄鐜囨按骞冲湪瑕�(gu墨)瀹氱殑鑼冨湇涔嬪収(n猫i)涓婁笅娴嫊(d貌ng)銆�

銆€銆€4.鎸夋槸鍚﹀墧闄ら€氳波鑶ㄨ劰鍥犵礌渚嗗妰鍒�

銆€銆€5.褰遍熆鍒╃巼姘村钩鐨勫洜绱�(6鍊�(g猫))

銆€銆€(1)骞冲潎鍒╂饯(r霉n)鐜囷細鏄焙瀹氬埄鐜囨按骞崇殑鍩烘湰鍥犵礌銆傚埄鎭槸鍒╂饯(r霉n)鐨勪竴閮ㄥ垎锛屽洜姝�锛屽钩鍧囧埄娼�(r霉n)鐜囨槸鍒╃巼鐨勬渶楂橀檺锛岄浂鍓囨槸鍒╃巼鐨勬渶浣庨檺銆�

銆€銆€(2)璨ㄥ梗璩囬噾渚涙眰闂�(gu膩n)绯伙細璨ㄥ梗璩囬噾渚涢亷浜庢眰锛屽埄鐜囦笅闄�;鍙嶄箣锛屽墖鍒╃巼涓婂崌銆�

銆€銆€(3)閫氳波鑶ㄨ劰鐜囷細瀵�(sh铆)闅涘埄鐜�=鍚嶇京鍒╃巼-閫氳波鑶ㄨ劰鐜�銆傜暥(d膩ng)鍚嶇京鍒╃巼浣庝簬閫氳波鑶ㄨ劰鐜囨檪(sh铆)锛屽(sh铆)闅涘埄鐜囩偤璨�(f霉)銆�

銆€銆€(4)姝峰彶鐨勬部闈�銆�

銆€銆€(5)涓ぎ閵€琛岃波骞ｆ斂绛栥€�

銆€銆€(6)鍦�(gu贸)闅涢噾铻嶅競鍫�(ch菐ng)鍒╃巼銆�

绶ㄨ集鎺ㄨ枽锛�

2016骞寸稉(j墨ng)婵�(j矛)甯€冭│鐪熼瑙ｆ瀽瑕栭牷鍖附

瀛�(xu茅)鍝″績鑱蹭箣缍�(j墨ng)婵�(j矛)甯€冭│鍌欒€冪稉(j墨ng)椹�(y脿n)鍖附

缍�(j墨ng)婵�(j矛)甯€冭│鎴愮妇(j墨)鏌ヨ鏅�(sh铆)闁搢鎴愮妇(j墨)鏌ヨ缍�(w菐ng)鍧€

銆€銆€鐠�(hu谩n)鐞冪恫(w菐ng)鏍″弸鎯呮彁绀�:鏈枃鐠�(hu谩n)鐞冪恫(w菐ng)鏍″皬绶ㄩ泦涓暣鐞�“2017骞村垵绱�(j铆)缍�(j墨ng)婵�(j矛)鍩虹(ch菙)鑰冮粸(di菐n)闋�(y霉)缈�(x铆)锛氬埄鐜囪垏鍒╂伅”渚涘ぇ瀹跺弮鑰�銆傚鏋滄偍鍦ㄦ閬庣▼涓亣鍒颁换浣曠枒鍟�锛岃珛(q菒ng)鐧婚寗鐠�(hu谩n)鐞冪恫(w菐ng)鏍�缍�(j墨ng)婵�(j矛)甯�闋婚亾&璜栧锛屾垜鍊戦毃鏅�(sh铆)鑸囧唬澶ц€冪敓鏈嬪弸鍊戜竴璧蜂氦娴�!

銆€銆€銆愭憳瑕併€�2016骞寸稉(j墨ng)婵�(j矛)甯€冭│宸茬稉(j墨ng)绲�(ji茅)鏉燂紝鏂扮殑涓€杓倷鑰冨嵆灏囬枊濮�锛岀恫(w菐ng)鏍＄偤鏂逛究澶у鍌欒€�2017骞寸稉(j墨ng)婵�(j矛)甯€冭│锛岀壒鍒嗕韩浜�“2017骞村垵绱�(j铆)缍�(j墨ng)婵�(j矛)鍩虹(ch菙)鑰冮粸(di菐n)闋�(y霉)缈�(x铆)锛氬埄鐜囪垏鍒╂伅”锛屽笇鏈涘皪(du矛)澶у闋�(y霉)缈�(x铆)鏈夊公鍔�锛屾洿澶氳硣鏂欐暚璜�(q菒ng)闂�(gu膩n)娉ㄧ挵(hu谩n)鐞冪稉(j墨ng)婵�(j矛)甯€冭│闋婚亾……

銆€銆€鐩搁棞(gu膩n)鎺ㄨ枽锛�2017骞村垵绱�(j铆)缍�(j墨ng)婵�(j矛)鍩虹(ch菙)鑰冮粸(di菐n)闋�(y霉)缈�(x铆)鍖附

銆€銆€6.鎴戝湅(gu贸)鍒╃巼甯傚牬(ch菐ng)鍖栨敼闈�

銆€銆€(1)鎴戝湅(gu贸)鍒╃巼甯傚牬(ch菐ng)鍖栨敼闈╃殑绺介珨鎬濊矾鐐哄厛鏀鹃枊璨ㄥ梗甯傚牬(ch菐ng)鍒╃巼鍜屽偟鍒稿競鍫�(ch菐ng)鍒╃巼锛屽啀閫愭鎺ㄩ€�(j矛n)瀛�銆佽哺娆惧埄鐜囩殑甯傚牬(ch菐ng)鍖�銆�

銆€銆€(2)鍦ㄥ埄鐜囧競鍫�(ch菐ng)鍖栭€�(j矛n)绋嬩腑锛屼笂娴烽妧琛岄枔鍚屾キ(y猫)鎷嗘斁鍒╃巼(Shibor)鏄竴闋�(xi脿ng)閲嶈鐨勫熀绀�(ch菙)姊濅欢鍜屾(j墨)鍒跺缓瑷�(sh猫)銆係hibor鏄敱淇＄敤绛夌礆(j铆)杓冮珮鐨勯妧琛岀祫鎴愬牨(b脿o)鍍�(ji脿)鍦�(tu谩n)鑷富鍫�(b脿o)鍑虹殑浜烘皯骞ｅ悓妤�(y猫)鎷嗗嚭鍒╃巼瑷�(j矛)绠楃⒑瀹氱殑绠楁暩(sh霉)骞冲潎鍒╃巼锛屾槸鍠埄銆佺劇鎿�(d膩n)淇�銆佹壒鐧�(f膩)鎬у埄鐜囥€�

銆€銆€(3)2013骞�10鏈�锛岃哺娆惧熀绀�(ch菙)鍒╃巼(LPR)闆嗕腑鍫�(b脿o)鍍�(ji脿)鍜岀櫦(f膩)甯冩(j墨)鍒舵寮忛亱(y霉n)琛�銆侺PR鏄熀浜庡牨(b脿o)鍍�(ji脿)琛岃嚜涓诲牨(b脿o)鍑虹殑鏈€鍎�(y艒u)璨告鍒╃巼瑷�(j矛)绠楀苟鐧�(f膩)甯冪殑璨告甯傚牬(ch菐ng)鍙冭€冨埄鐜囷紝鏄晢妤�(y猫)閵€琛屽皪(du矛)鍏舵渶鍎�(y艒u)璩�(zh矛)瀹㈡埗鍩�(zh铆)琛岀殑璨告鍒╃巼锛屽叾浠栬哺娆惧埄鐜囧彲鍦ㄦ鍩虹(ch菙)涓婂姞娓涢粸(di菐n)鐢熸垚銆�

銆€銆€銆愪緥椤�·鍠伕椤屻€�(2013骞�)鍦ㄥ埄鐜囬珨绯讳腑锛岃捣涓诲皫(d菐o)浣滅敤鐨勫埄鐜囨槸(銆€)銆�

銆€銆€A.鍥哄畾鍒╃巼銆€銆€B.娴嫊(d貌ng)鍒╃巼

銆€銆€C.瀵�(sh铆)闅涘埄鐜囥€€銆€D.鍩烘簴(zh菙n)鍒╃巼

銆€銆€銆庢纰虹瓟妗堛€廌

銆€銆€銆庣瓟妗堣В鏋愩€忔湰椤岃€冩煡鍩烘簴(zh菙n)鍒╃巼銆傚熀婧�(zh菙n)鍒╃巼鏄寚鍦ㄥ埄鐜囬珨绯讳腑璧蜂富灏�(d菐o)浣滅敤銆佽兘澶犲付鍕�(d貌ng)鍜屽奖闊垮叾浠栧悇绋埄鐜囩殑鍒╃巼锛屼篃绋变腑蹇冨埄鐜�銆�

銆€銆€銆愪緥椤�·鍠伕椤屻€�(2015骞�)闂�(gu膩n)浜庝笂娴烽妧琛岄枔鍚屾キ(y猫)鎷嗘斁鍒╃巼鐨勮娉�锛屾纰虹殑鏄�(銆€)銆�

銆€銆€A.涓婃捣閵€琛岄枔鍚屾キ(y猫)鎷嗘斁鍒╃巼灞簬鐒℃摂(d膩n)淇濆埄鐜�

銆€銆€B.涓婃捣閵€琛岄枔鍚屾キ(y猫)鎷嗘斁鍒╃巼浠ュ京(f霉)鍒╂柟娉曡▓(j矛)鎭�

銆€銆€C.涓婃捣閵€琛岄枔鍚屾キ(y猫)鎷嗘斁鍒╃巼鍝佺ó鍙湁1骞存湡鍒╃巼

銆€銆€D.涓婃捣閵€琛岄枔鍚屾キ(y猫)鎷嗘斁鍒╃巼鏄湅(gu贸)鍏�(n猫i)鎵€鏈夐妧琛屽牨(b脿o)鍍�(ji脿)鐨勭畻琛�(sh霉)骞冲潎鏁�(sh霉)

銆€銆€銆庢纰虹瓟妗堛€廇

銆€銆€銆庣瓟妗堣В鏋愩€忔湰椤岃€冩煡涓婃捣閵€琛岄枔鍚屾キ(y猫)鎷嗘斁鍒╃巼銆備笂娴烽妧琛岄枔鍚屾キ(y猫)鎷嗘斁鍒╃巼(Shibor)鏄竴闋�(xi脿ng)閲嶈鐨勫熀绀�(ch菙)姊濅欢鍜屾(j墨)鍒跺缓瑷�(sh猫)銆係hibor鏄敱淇＄敤绛夌礆(j铆)杓冮珮鐨勯妧琛岀祫鎴愬牨(b脿o)鍍�(ji脿)鍦�(tu谩n)鑷富鍫�(b脿o)鍑虹殑浜烘皯骞ｅ悓妤�(y猫)鎷嗗嚭鍒╃巼瑷�(j矛)绠楃⒑瀹氱殑绠楁暩(sh霉)骞冲潎鍒╃巼锛屾槸鍠埄銆佺劇鎿�(d膩n)淇濄€佹壒鐧�(f膩)鎬у埄鐜�銆�

绶ㄨ集鎺ㄨ枽锛�

2016骞寸稉(j墨ng)婵�(j矛)甯€冭│鐪熼瑙ｆ瀽瑕栭牷鍖附

瀛�(xu茅)鍝″績鑱蹭箣缍�(j墨ng)婵�(j矛)甯€冭│鍌欒€冪稉(j墨ng)椹�(y脿n)鍖附

缍�(j墨ng)婵�(j矛)甯€冭│鎴愮妇(j墨)鏌ヨ鏅�(sh铆)闁搢鎴愮妇(j墨)鏌ヨ缍�(w菐ng)鍧€

銆€銆€鐠�(hu谩n)鐞冪恫(w菐ng)鏍″弸鎯呮彁绀�:鏈枃鐠�(hu谩n)鐞冪恫(w菐ng)鏍″皬绶ㄩ泦涓暣鐞�“2017骞村垵绱�(j铆)缍�(j墨ng)婵�(j矛)鍩虹(ch菙)鑰冮粸(di菐n)闋�(y霉)缈�(x铆)锛氬埄鐜囪垏鍒╂伅”渚涘ぇ瀹跺弮鑰�銆傚鏋滄偍鍦ㄦ閬庣▼涓亣鍒颁换浣曠枒鍟忥紝璜�(q菒ng)鐧婚寗鐠�(hu谩n)鐞冪恫(w菐ng)鏍�缍�(j墨ng)婵�(j矛)甯�闋婚亾&璜栧锛屾垜鍊戦毃鏅�(sh铆)鑸囧唬澶ц€冪敓鏈嬪弸鍊戜竴璧蜂氦娴�!