鎶曡祫瀛︿範棰樷垰
绗?/p>
5
绔?/p>
鍒╃巼鍙蹭笌椋庨櫓婧环
1
锛庝笅鍒楀椤归�夋嫨棰樻憳鑷繃鍘荤殑娉ㄥ唽閲戣瀺鍒嗘瀽甯堬紙
CFA
锛夎�冭瘯鐨勮瘯棰橈細
a
锛庡叕鍙哥殑浼樺厛鑲＄粡甯镐互浣庝簬鍏跺�哄埜鐨勬敹鐩婄巼鍑哄敭锛岃繖鏄洜涓猴細
i
锛庝紭鍏堣偂閫氬父鏈夋洿楂樼殑浠ｇ悊绛夌骇
ii
锛庝紭鍏堣偂鎸佹湁浜哄鍏徃鐨勬敹鍏ユ湁浼樺厛瑕佹眰鏉?/p>
iii
锛庝紭鍏堣偂鎸佹湁浜哄湪鍏徃娓呯畻鏃跺鍏徃鐨勮祫浜ф湁浼樺厛瑕佹眰鏉?/p>
iv
锛庢嫢鏈夎偂绁ㄧ殑鍏徃鍙互灏嗗叾鎵�寰楃孩鍒╂敹鍏ュ厤寰佹墍寰楃◣鈭?/p>
b
锛庝竴甯傛斂鍊哄埜鎭エ鐜囦负
6
戮
%
锛屼互闈㈠�煎嚭鍞紱涓�绾崇◣浜虹殑搴旂◣绛夌骇涓?/p>
34%
锛岃鍊哄埜鎵�鎻愪緵
鐨勫簲绋庣瓑浠锋敹鐩婁负锛?/p>
i
锛?/p>
4.5%
ii
锛?/p>
10.2%
鈭?/p>
iii
锛?/p>
13.4%
iv
锛?/p>
19.9%
c
锛?/p>
鍦ㄨ偂鎸囨湡鏉冨競鍦轰笂锛?/p>
濡傛灉棰勬湡鑲″競浼氬湪浜ゆ槗瀹屾垚鍚庤繀閫熶笂娑紝
浠ヤ笅鍝浜ゆ槗椋庨櫓鏈�澶э紵
鈭?/p>
i
锛庡崠鍑虹湅娑ㄦ湡鏉?/p>
ii
锛庡崠鍑虹湅璺屾湡鏉?/p>
iii
锛庝拱鍏ョ湅娑ㄦ湡鏉?/p>
iv
锛庝拱鍏ョ湅璺屾湡鏉?/p>
2
锛庢姇璧勮�呰�冭檻鎶曡祫
50000
缇庡厓浜庝竴浼犵粺鐨勪竴骞存湡閾惰澶ч瀛樺崟锛屽埄鐜囦负
7%
锛涙垨鑰呮姇璧勪簬
涓�骞存湡涓庨�氳揣鑶ㄨ儉鐜囨寕閽╃殑澶ч瀛樺崟锛屽勾鏀剁泭鐜囦负
3.5%+
閫氳儉鐜囥�?/p>
a
锛庡摢涓�绉嶆姇璧勬洿涓哄畨鍏紵
b
锛庡摢涓�绉嶆姇璧勬湡鏈涙敹鐩婄巼鏇撮珮锛?/p>
c
锛庡鏋滄姇璧勮�呴鏈熸潵骞撮�氳儉鐜囦负
3%
锛屽摢涓�绉嶆姇璧勬洿濂斤紵涓轰粈涔堬紵
d
锛?/p>
濡傛灉鎴戜滑瑙傚療鍒版棤椋庨櫓鍚嶄箟鍒╃巼涓烘瘡骞?/p>
7%
锛?/p>
鏃犻闄╁疄闄呭埄鐜囦负
3.5%
锛?/p>
鎴戜滑鑳芥帹鍑哄競
鍦洪鏈熼�氳儉鐜囨槸姣忓勾
3.5%
鍚楋紵
a
锛庝笌閫氳儉鎸傞挬鐨勫ぇ棰濆瓨鍗曟洿瀹夊叏銆?/p>
b
锛庨鏈熸敹鐩婄巼鏍规嵁鏉ュ勾鐨勯�氳儉鐜囧喅瀹氾紝濡傛灉閫氳儉鐜囧ぇ浜?/p>
3.5%
锛屼笌閫氳儉鐜囨寕閽╃殑鏇撮珮锛?/p>
濡傛灉灏忎簬
3.5%
锛屽埄鐜囦负
7%
鐨勫浐瀹氬瓨鍗曟洿楂橈紝濡傛灉绛変簬
3.5%
锛屼袱鑰呴鏈熸敹鐩婄巼鐩哥瓑銆?/p>
c
锛庡鏋滄姇璧勮�呴鏈熸潵骞撮�氳儉鐜囦负
3%
锛屽埄鐜囦负
7%
鐨勫浐瀹氬瓨鍗曟洿濂斤紝鍥犱负鍏舵敹鐩婄巼楂樸�?/p>
d
锛庡洜涓哄悕涔夋棤椋庨櫓鍒╃巼涓庢棤椋庨櫓瀹為檯鍒╃巼鐨勫樊鍗充负閫氳揣鑶ㄨ儉鐜囷紝鎵�浠ュ彲浠ユ帹鍑洪鏈熼�?/p>
璐ц啫鑳�鐜囪繎浼间负
3.5%
銆?/p>
绗?/p>
6
绔?/p>
椋庨櫓涓庨闄╁帉鎭?/p>
3
锛庤�冭檻涓�椋庨櫓璧勪骇缁勫悎锛屽勾鏈潵鑷璧勪骇缁勫悎鐨勭幇閲戞祦鍙兘涓?/p>
70000
缇庡厓鎴?/p>
200000
缇庡厓锛?/p>
姒傜巼鐩哥瓑锛屽潎涓?/p>
0.5
锛涘彲渚涢�夋嫨鐨勬棤椋庨櫓鍥藉簱鍒告姇璧勫勾鍒╃巼涓?/p>
6%
銆?/p>
a
锛庡鏋滄姇璧勮�呰姹?/p>
8%
鐨勯闄╂孩浠凤紝鍒欐姇璧勮�呮効鎰忔敮浠樺灏戦挶鍘昏喘涔拌璧勪骇缁勫悎锛?/p>
b
锛庡亣璁炬姇璧勮�呭彲浠ヨ喘涔帮紙
a
锛変腑鐨勮祫浜х粍鍚堟暟閲忥紝璇ユ姇璧勭殑鏈熸湜鏀剁泭鐜囦负澶氬皯锛?/p>
c
锛庡亣瀹氱幇鍦ㄦ姇璧勮�呰姹?/p>
12%
鐨勯闄╂孩浠凤紝鍒欐姇璧勮�呮効鎰忔敮浠樼殑浠锋牸鏄灏戯紵
d
锛庢瘮杈冿紙
a
锛夊拰锛?/p>
c
锛夌殑绛旀锛屽叧浜庢姇璧勬墍瑕佹眰鐨勯闄╂孩浠蜂笌鍞环涔嬮棿鐨勫叧绯伙紝鎶曡祫鑰呮湁
浠�涔堢粨璁猴紵
a
锛庡鏋滄姇璧勮�呰姹?/p>
8%
鐨勯闄╂孩浠凤紝鎶曡祫鑰呮効鎰忔敮浠樼殑璧勯噾涓?/p>
W
锛屾敹鐩婄巼涓?/p>
14%
14%=0.5
锛?/p>
70000-W
锛?/p>
/W+0.5
锛?/p>
200000-W
锛?/p>
/W
W=118421
缇庡厓
b
锛庡亣璁炬姇璧勮�呭彲浠ヨ喘涔帮紙
a
锛変腑鐨勮祫浜х粍鍚堟暟閲忥紝璇ユ姇璧勭殑鏈熸湜鏀剁泭鐜囦负
E
锛?/p>
r
锛?/p>
118421[1+E
锛?/p>
r
锛?/p>
]=0.5
锛?/p>
70000+200000
锛?/p>
E
锛?/p>
r
锛?/p>
=14%