鐩搁棞(gu膩n)鎺ㄨ枽锛�2019骞翠竴绱�(j铆)寤洪€犲斧鑰冭│宸ョ▼缍�(j墨ng)婵�(j矛)楂橀牷鑰冮粸(di菐n)銆愬尟绺姐€�

璨�(c谩i)鍕�(w霉)鍒嗘瀽

1.璨�(c谩i)鍕�(w霉)鍒嗘瀽鏂规硶

璨�(c谩i)鍕�(w霉)鍒嗘瀽鐨勬柟娉曪紝涓昏鍖呮嫭瓒ㄥ嫝(sh矛)鍒嗘瀽娉�銆佹瘮鐜囧垎鏋愭硶鍜屽洜绱犲垎鏋愭硶銆�

瓒ㄥ嫝(sh矛)鍒嗘瀽娉曞張绋辨按骞冲垎鏋愭硶锛屾槸閫氶亷灏�(du矛)姣斿叐鏈熸垨閫ｇ簩(x霉)鏁�(sh霉)鏈熻病(c谩i)鍕�(w霉)鍫�(b脿o)鍛婁腑鐩稿悓鎸囨(bi膩o)锛岀⒑瀹氬叾澧炴笡璁婂寲鐨勬柟鍚戙€佹暩(sh霉)椤嶅拰骞呭害锛屼締瑾槑浼佹キ(y猫)璨�(c谩i)鍕�(w霉)鐙€娉�銆佺稉(j墨ng)鐕熸垚鏋滃拰鐝�(xi脿n)閲戞祦閲忚畩鍕�(d貌ng)瓒ㄥ嫝(sh矛)鐨勫垎鏋愭柟娉曘€傛瘮鐜囧垎鏋愭硶鏄€氶亷瑷�(j矛)绠楀悇绋瘮鐜囦締纰哄畾缍�(j墨ng)婵�(j矛)娲诲嫊(d貌ng)璁婂嫊(d貌ng)绋嬪害鐨勫垎鏋愭柟娉�銆傛瘮鐜囧垎鏋愭硶鏄病(c谩i)鍕�(w霉)鍒嗘瀽鏈€鍩烘湰銆佹渶閲嶈鐨勬柟娉�銆傚洜绱犲垎鏋愭硶鏄緷鎿�(j霉)鍒嗘瀽鎸囨(bi膩o)鑸囧叾椹�(q奴)鍕�(d貌ng)鍥犵礌涔嬮枔鐨勯棞(gu膩n)绯�锛屽緸鏁�(sh霉)閲忎笂纰哄畾鍚勫洜绱犲皪(du矛)鍒嗘瀽鎸囨(bi膩o)鐨勫奖闊挎柟鍚戝強绋嬪害鐨勫垎鏋愭柟娉�銆傚洜绱犲垎鏋愭硶鏍规摎(j霉)鍏跺垎鏋愮壒榛�(di菐n)鍙垎鐐洪€ｇ挵(hu谩n)鏇夸唬娉曞拰宸瑷�(j矛)绠楁硶鍏╃ó銆�

2.鍩烘湰璨�(c谩i)鍕�(w霉)姣旂巼鐨勮▓(j矛)绠楀拰鍒嗘瀽

璨�(c谩i)鍕�(w霉)姣旂巼鏄€氶亷璨�(c谩i)鍕�(w霉)鍫�(b脿o)琛ㄤ腑鐨勮病(c谩i)鍕�(w霉)鏁�(sh霉)鎿�(j霉)鐨勯棞(gu膩n)鑱�(li谩n)鎬ц▓(j矛)绠楃殑锛屽畠椤ず浜嗚病(c谩i)鍕�(w霉)鍫�(b脿o)琛ㄧ鐩箣闁撶殑闂�(gu膩n)绯汇€傚父鐢ㄧ殑璨�(c谩i)鍕�(w霉)姣旂巼鏈変互涓嬪咕绋細

(1)鍎熷儴鑳藉姏姣旂巼锛屽父鐢ㄧ殑鎸囨(bi膩o)鏈夎硣鐢�(ch菐n)璨�(f霉)鍌电巼銆佹祦鍕�(d貌ng)姣旂巼鍜岄€熷嫊(d貌ng)姣旂巼涓夊€�(g猫)鎸囨(bi膩o)銆�

鈶犺硣鐢�(ch菐n)璨�(f霉)鍌电巼

璩囩敘(ch菐n)璨�(f霉)鍌电巼鏄紒妤�(y猫)绺借矤(f霉)鍌佃垏绺借硣鐢�(ch菐n)涔嬫瘮锛屽畠鏃㈣兘鍙嶆槧浼佹キ(y猫)鍒╃敤鍌垫瑠(qu谩n)浜烘彁渚涜硣閲戦€�(j矛n)琛岀稉(j墨ng)鐕熸椿鍕�(d貌ng)鐨勮兘鍔�锛屼篃鑳藉弽鏄犱紒妤�(y猫)缍�(j墨ng)鐕熼ⅷ(f膿ng)闅�(xi菐n)鐨勭▼搴︼紝鏄稖鍚堝弽鏄犱紒妤�(y猫)鍎熷偟鑳藉姏鐨勯噸瑕佹寚妯�(bi膩o)銆傚叾瑷�(j矛)绠楀叕寮忕偤锛�

璩囩敘(ch菐n)璨�(f霉)鍌电巼=绺借矤(f霉)鍌�+绺借硣鐢�(ch菐n)X100%

鈶℃祦鍕�(d貌ng)姣旂巼

娴佸嫊(d貌ng)姣旂巼鏄紒妤�(y猫)娴佸嫊(d貌ng)璩囩敘(ch菐n)鑸囨祦鍕�(d貌ng)璨�(f霉)鍌电殑姣旂巼锛屼富瑕佸弽鏄犱紒妤�(y猫)鐨勫劅鍌佃兘鍔�銆傚叾瑷�(j矛)绠楀叕寮忕偤锛�

娴佸嫊(d貌ng)姣旂巼=娴佸嫊(d貌ng)璩囩敘(ch菐n)+娴佸嫊(d貌ng)璨�(f霉)鍌�

鈶㈤€熷嫊(d貌ng)姣旂巼

閫熷嫊(d貌ng)姣旂巼鏄寚浼佹キ(y猫)鐨勯€熷嫊(d貌ng)璩囩敘(ch菐n)鑸囨祦鍕�(d貌ng)璨�(f霉)鍌典箣闁撶殑姣旂巼闂�(gu膩n)绯伙紝鍙嶆槧浼佹キ(y猫)灏�(du矛)鐭湡鍌靛嫏(w霉)鍎熶粯鑳藉姏鐨勬寚妯�(bi膩o)銆傚叾瑷�(j矛)绠楀叕寮忕偤锛�

閫熷嫊(d貌ng)姣旂巼=閫熷嫊(d貌ng)璩囩敘(ch菐n)+娴佸嫊(d貌ng)璨�(f霉)鍌�

(2)璩囩敘(ch菐n)绠＄悊姣旂巼锛岃硣鐢�(ch菐n)绠＄悊姣旂巼鏄敤浜庤　閲忓叕鍙歌硣鐢�(ch菐n)绠＄悊鏁堢巼鐨勬寚妯�(bi膩o)銆傚父鐢ㄧ殑鎸囨(bi膩o)鏈夌附璩囩敘(ch菐n)鍛ㄨ綁(zhu菐n)鐜囥€佹祦鍕�(d貌ng)璩囩敘(ch菐n)鍛ㄨ綁(zhu菐n)鐜�銆佸瓨璨ㄥ懆杞�(zhu菐n)鐜�銆佹噳(y墨ng)鏀惰超娆惧懆杞�(zhu菐n)鐜囩瓑銆�

鈶犵附璩囩敘(ch菐n)鍛ㄨ綁(zhu菐n)鐜�

绺借硣鐢�(ch菐n)鍛ㄨ綁(zhu菐n)鐜囨槸鎸囦紒妤�(y猫)鍦ㄤ竴瀹氭檪(sh铆)鏈熷収(n猫i)涓荤嚐妤�(y猫)鍕�(w霉)鏀跺叆鑸囩附璩囩敘(ch菐n)鐨勬瘮鐜�?锛熷値Y鐢�(ch菐n)鍛ㄨ綁(zhu菐n)鐜囩殑瑷�(j矛)绠楀叕寮忓涓嬶細

绺借硣鐢�(ch菐n)鍛ㄨ綁(zhu菐n)鐜�(娆�)=涓荤嚐妤�(y猫)鍕�(w霉)鏀跺叆+璩囩敘(ch菐n)绺介

鈶℃祦鍕�(d貌ng)璩囩敘(ch菐n)鍛ㄨ綁(zhu菐n)鐜�

娴佸嫊(d貌ng)璩囩敘(ch菐n)鍛ㄨ綁(zhu菐n)鐜囨槸鎸囦紒妤�(y猫)鍦ㄤ竴瀹氭檪(sh铆)鏈熷収(n猫i)鐕熸キ(y猫)鏀跺叆鑸囧叏閮ㄦ祦鍕�(d貌ng)璩囩敘(ch菐n)涔嬮枔鐨勬瘮鐜�锛岄€氬父鐢ㄥ懆杞�(zhu菐n)娆℃暩(sh霉)鍜屽懆杞�(zhu菐n)澶╂暩(sh霉)渚嗚〃绀�銆傚叐鍊�(g猫)鎸囨(bi膩o)鐨勮▓(j矛)绠楀垎鍒ュ涓嬶細

娴佸嫊(d貌ng)璩囩敘(ch菐n)鍛ㄨ綁(zhu菐n)娆℃暩(sh霉)=娴佸嫊(d貌ng)璩囩敘(ch菐n)鍛ㄨ綁(zhu菐n)椤�+娴佸嫊(d貌ng)璩囩敘(ch菐n)娴佸嫊(d貌ng)璩囩敘(ch菐n)鍛ㄨ綁(zhu菐n)澶╂暩(sh霉)=365+娴佸嫊(d貌ng)璩囩敘(ch菐n)鍛ㄨ綁(zhu菐n)娆℃暩(sh霉)

鈶㈠瓨璨ㄥ懆杞�(zhu菐n)鐜�

瀛樿波鍛ㄨ綁(zhu菐n)鐜囨槸鎸囦紒妤�(y猫)鍦ㄤ竴瀹氭檪(sh铆)鏈熷収(n猫i)瀛樿波鍗犵敤璩囬噾鍙懆杞�(zhu菐n)鐨勬鏁�(sh霉)锛屾垨瀛樿波姣忓懆杞�(zhu菐n)涓€娆℃墍闇€瑕佺殑澶╂暩(sh霉)锛屽洜姝わ紝瀛樿波鍛ㄨ綁(zhu菐n)鐜囨寚妯�(bi膩o)鏈夊瓨璨ㄥ懆杞�(zhu菐n)娆℃暩(sh霉)鍜屽瓨璨ㄥ懆杞�(zhu菐n)澶╂暩(sh霉)鍏╃ó褰㈠紡銆傚叾瑷�(j矛)绠楀叕寮忓垎鍒ョ偤锛�

瀛樿波鍛ㄨ綁(zhu菐n)娆℃暩(sh霉)=鐕熸キ(y猫)鎴愭湰+瀛樿波瀛樿波鍛ㄨ綁(zhu菐n)澶╂暩(sh霉)=瑷�(j矛)绠楁湡澶╂暩(sh霉)+瀛樿波鍛ㄨ綁(zhu菐n)娆℃暩(sh霉)

鈶ｆ噳(y墨ng)鏀惰超娆惧懆杞�(zhu菐n)鐜�

鎳�(y墨ng)鏀惰超娆惧懆杞�(zhu菐n)鐜囨槸鎸囦紒妤�(y猫)鍦ㄦ煇涓€鏅�(sh铆)鏈熻硳閵锋敹鍏ュ拰鍚屾湡鎳�(y墨ng)鏀惰超娆句箣闁撶殑姣旂巼锛岄€氬父鐢ㄦ噳(y墨ng)鏀惰超娆惧懆杞�(zhu菐n)娆℃暩(sh霉)鍜屾噳(y墨ng)鏀惰超娆惧懆杞�(zhu菐n)澶╂暩(sh霉)鍏╃ó褰㈠紡渚嗚〃绀恒€傚叾瑷�(j矛)绠楀叕寮忓垎鍒ョ偤锛�

鎳�(y墨ng)鏀惰超娆惧懆杞�(zhu菐n)鐜�(鍛ㄨ綁(zhu菐n)娆℃暩(sh霉))=鐕熸キ(y猫)鏀跺叆+鎳�(y墨ng)鏀惰超娆炬噳(y墨ng)鏀惰超娆惧懆杞�(zhu菐n)澶╂暩(sh霉)=365+鎳�(y墨ng)鏀惰超娆惧懆杞�(zhu菐n)娆℃暩(sh霉)

(3)鐩堝埄鑳藉姏姣旂巼銆傚弽鏄犱紒妤�(y猫)鐩堝埄鑳藉姏鐨勬寚妯�(bi膩o)寰堝锛屽父鐢ㄧ殑涓昏鏈夊噲璩囩敘(ch菐n)鏀剁泭鐜囧拰绺借硣鐢�(ch菐n)鍫�(b脿o)閰巼銆�

鈶犲噲璩囩敘(ch菐n)鏀剁泭鐜�

鍑堣硣鐢�(ch菐n)鏀剁泭鐜囨槸鎸囦紒妤�(y猫)鏈湡鍑堝埄娼ゅ拰鍑堣硣鐢�(ch菐n)鐨勬瘮鐜�锛屾槸鍙嶆槧浼佹キ(y猫)鐩堝埄鑳藉姏鐨勬牳蹇冩寚妯�(bi膩o)銆傝┎鎸囨(bi膩o)瓒婇珮锛屽噲鍒╂饯瓒婂锛岃鏄庝紒妤�(y猫)鐩堝埄鑳藉姏瓒婂ソ銆傚噲璩囩敘(ch菐n)鏀剁泭鐜囩殑瑷�(j矛)绠楀叕寮忓涓嬶細

鍑堣硣鐢�(ch菐n)鏀剁泭鐜�=鍑堝埄娼�+鍑堣硣鐢�(ch菐n)X100%

鈶＄附璩囩敘(ch菐n)鍫�(b脿o)閰巼

绺借硣鐢�(ch菐n)鍫�(b脿o)閰巼鏄寚浼佹キ(y猫)閬�(y霉n)鐢ㄥ叏閮ㄨ硣鐢�(ch菐n)鐨勬敹鐩婄巼锛屽畠鍙嶆槧浼佹キ(y猫)鍏ㄩ儴璩囩敘(ch菐n)閬�(y霉n)鐢ㄧ殑绺芥垚鏋�銆傜附璩囩敘(ch菐n)鍫�(b脿o)閰巼鐨勮▓(j矛)绠楀叕寮忓涓嬶細

绺借硣鐢�(ch菐n)鍫�(b脿o)閰巼=鎭▍鍓嶅埄娼�+璩囩敘(ch菐n)绺介X100%

(4)鐧�(f膩)灞曡兘鍔涙瘮鐜�锛屼紒妤�(y猫)鐧�(f膩)灞曡兘鍔涚殑鎸囨(bi膩o)涓昏鏈夌嚐妤�(y猫)澧為暦鐜囥€佽硣鏈⿳绱巼銆�

鈶犵嚐妤�(y猫)澧為暦鐜�

鐕熸キ(y猫)澧為暦鐜囨槸鎸囦紒妤�(y猫)鏈湡鐕熸キ(y猫)鏀跺叆澧為暦椤嶅悓涓婃湡鐕熸キ(y猫)鏀跺叆绺介鐨勬瘮鐜�銆傚叾瑷�(j矛)绠楀叕寮忕偤锛�

鐕熸キ(y猫)澧為暦鐜�=鏈湡鐕熸キ(y猫)鏀跺叆澧炲姞椤�+涓婃湡鐕熸キ(y猫)鏀跺叆绺介X100%

鈶¤硣鏈⿳绱巼

璩囨湰绌嶇疮鐜囨槸鎸囦紒妤�(y猫)鏈勾鎵€鏈夎€呮瑠(qu谩n)鐩婂闀烽鍚屽勾鍒濇墍鏈夎€呮瑠(qu谩n)鐩婄殑姣旂巼銆傝硣鏈⿳绱巼鐨勮▓(j矛)绠楀叕寮忕偤锛�

璩囨湰绌嶇疮鐜�=鏈勾鎵€鏈夎€呮瑠(qu谩n)鐩婂闀烽+骞村垵鎵€鏈夎€呮瑠(qu谩n)鐩奨100%

(5)璨�(c谩i)鍕�(w霉)鎸囨(bi膩o)缍滃悎鍒嗘瀽——鏉滈偊璨�(c谩i)鍕�(w霉)鍒嗘瀽楂旂郴銆傛潨閭﹁病(c谩i)鍕�(w霉)鍒嗘瀽楂旂郴鏄埄鐢ㄥ悇涓昏璨�(c谩i)鍕�(w霉)姣旂巼鎸囨(bi膩o)涔嬮枔鐨勫収(n猫i)鍦ㄨ伅(li谩n)绯诲皪(du矛)浼佹キ(y猫)璨�(c谩i)鍕�(w霉)鐙€娉佸拰缍�(j墨ng)鐕熸垚鏋滈€�(j矛n)琛岀稖鍚堢郴绲�(t菕ng)瑭�(p铆ng)鍍�(ji脿)鐨勬柟娉曘€傝┎楂旂郴鏄互鍑堣硣鐢�(ch菐n)鏀剁泭鐜囩偤鏍稿績鎸囨(bi膩o)锛屼互绺借硣鐢�(ch菐n)鍑堝埄鐜囧拰娆�(qu谩n)鐩婁箻鏁�(sh霉)鐐哄叐鍊�(g猫)鏂归潰锛岄噸榛�(di菐n)鎻ず浼佹キ(y猫)鐛插埄鑳藉姏鍙婃瑠(qu谩n)鐩婁箻鏁�(sh霉)灏�(du矛)鍑堣硣鐢�(ch菐n)鏀剁泭鐜囩殑褰遍熆锛屼互鍙婂悇鐩搁棞(gu膩n)鎸囨(bi膩o)涔嬮枔鐨勭浉浜掍綔鐢ㄩ棞(gu膩n)绯�銆�

鐗涘垁灏忚│锛�

1.鎿�(j霉)鏌愬叕鍙告湡鏈渻(hu矛)瑷�(j矛)鍫�(b脿o)琛ㄨ硣鏂欙紝璩囩敘(ch菐n)绺借▓(j矛)鏈熷垵鏁�(sh霉)1000000鍏�锛屾湡鏈暩(sh霉)1200000鍏�;璨�(f霉)鍌靛悎瑷�(j矛)鏈熷垵鏁�(sh霉)450000鍏�锛屾湡鏈暩(sh霉)350000鍏�;鍑堝埄娼ょ偤200000鍏冿紝鍓囪┎浼佹キ(y猫)鍑堣硣鐢�(ch菐n)鏀剁泭鐜囩偤( )銆�

A.23.52%

B.26.67%

C.28.57%

D.34.84%

绛旀锛欳

2.鏌愪紒妤�(y猫)娴佸嫊(d貌ng)璩囩敘(ch菐n)骞存湯鍚堣▓(j矛)鏁�(sh霉)鐐�520000鍏冦€傚叾涓瓨璨ㄥ勾鏈暩(sh霉)鐐�310000鍏�锛屾祦鍕�(d貌ng)璨�(f霉)鍌靛勾鏈暩(sh霉)鐐�160000鍏�锛屽墖瑭蹭紒妤�(y猫)閫熷嫊(d貌ng)姣旂巼鐐�( )銆�

A.0.516

B.O.760

C.1.313

D.1.938

绛旀锛欳

瑙ｆ瀽锛氶€熷嫊(d貌ng)璩囩敘(ch菐n)=娴佸嫊(d貌ng)璩囩敘(ch菐n)-瀛樿波=520000-310000=210000鍏�

閫熷嫊(d貌ng)姣旂巼=閫熷嫊(d貌ng)璩囩敘(ch菐n)/娴佸嫊(d貌ng)璨�(f霉)鍌�=210000/160000=1.313銆�

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