㈠ 浠涔堟槸鍗曞埄錛
闂棰1錛氫粈涔堟槸鍗曞埄錛
闂棰2錛氬崟鍒╂槸浠涔堟剰鎬濓紵
鍗曞埄鏄鏁翠釜鍒╃巼瀹舵棌鏈鍗曠函鐨勪漢鐗╋紝涔熸槸鏈涓哄ぇ瀹舵墍鐔熺煡鐨勩傛垜浠騫蟲椂鐨勫偍钃勫埄鎮璁＄畻鏂規硶鍏ㄦ槸鐢ㄥ崟鍒┿傚氨鏄涓嶇′綘鐨勫瓨鏈熸湁澶氶暱錛屼綘鐨勫埄鎮閮戒笉浼氬姞鍏ヤ綘鐨勫瓨嬈炬湰閲戦噸澶嶈＄畻鍒╂伅銆傦紙瑙ｉ噴涓涓嬶紝鎵璋撴湰閲戝氨鏄浣犲瓨鍏ラ摱琛岀殑鏈鍒濋噾棰濓級
涓句釜渚嬪瓙錛屽亣濡備綘鐜板湪瀛樺叆閾惰100鍏冮挶錛屽勾鍒╃巼鏄10%錛屽瓨鏈熸槸2騫達紝閭ｄ箞浣犵殑鍒╂伅鎬庝箞綆楀憿錛熷氨鏄鐢100*10*2%絳変簬20鍏冮挶銆傚煎緱娉ㄦ剰鐨勬槸鍒扮涓騫存湯錛屼綘鐨勫埄鎮鏄10鍏冮挶錛屽埌浜嗙浜屽勾璁＄畻鍒╂伅鐨勫熀鏁頒粛鏄100鍏冿紝鑰屾病鏈夋妸鍒╂伅10鍏冪粰鍔犱笂鍘誨彉鎴110鍏冿紝鍥犳よ繖絎旈挶鍒頒簡絎浜屽勾鏈錛屽埄鎮鎬誨叡鍙鏈20鍏冦
鍙鍒鐪嬪崟鍒╃畝鍗曞氨灝忕湅浜嗗畠錛屽湪閲戣瀺涓氾紝瀹冨彲鏈夊箍娉涚殑搴旂敤錛屽埄鎮鐨勮＄畻銆佷互鍙婅創鐜板肩殑璁＄畻閮芥槸闈犲畠銆
㈡ 瀹濋┈閲戣瀺鏄浠涔堟剰鎬
瀹濋┈閲戣瀺鏄鎸囧疂椹闆嗗洟鍦ㄥ叾閿鍞鍜屾湇鍔￠嗗煙涓鎵鎻愪緵鐨勯噾鋙嶄駭鍝佸拰鏈嶅姟錛屼富瑕佸寘鎷璐鋒俱佺熻祦銆佷繚闄╃瓑銆傚疂椹閲戣瀺鑷村姏浜庝負瀹㈡埛鎻愪緵璐村績渚挎嵎鐨勯噾鋙嶈В鍐蟲柟妗堬紝甯鍔╀粬浠鍦ㄨ喘杞﹀拰鐢ㄨ濺榪囩▼涓鏇村姞鎷ユ湁瀹夊績鎰熷拰淇″績鎰熴
瀹濋┈閲戣瀺鐨勬牳蹇冪悊蹇墊槸鈥滄洿鎺ヨ繎鈥濓紝鏃ㄥ湪閫氳繃涓庡㈡埛鐨勪簰鍔ㄥ拰娌熼氫簡瑙ｄ粬浠鐨勯渶奼傦紝涓哄叾鎻愪緵浜嗚В鍚堥備笖涓鎬у寲鐨勯噾鋙嶄駭鍝佸拰鏈嶅姟銆傚悓鏃訛紝瀹濋┈閲戣瀺榪樻湁鏁堝湴杈呭姪浜嗗疂椹奼借濺閿鍞鐨勬帹騫匡紝鍥犱負瀹㈡埛鑳藉熸洿瀹規槗鍦伴氳繃鍏舵彁渚涚殑鍚勭嶉噾鋙嶄駭鍝佸拰鏈嶅姟鏉ヨ喘杞﹀拰浣跨敤瀹濋┈奼借濺銆
浣滀負涓栫晫棰嗗厛鐨勬苯杞﹀埗閫犲晢涔嬩竴錛屽疂椹闆嗗洟涓鐩村湪涓嶆柇鎷撳睍鍏朵笟鍔¤寖鍥淬傞氳繃瀹濋┈閲戣瀺錛岃ラ泦鍥㈠凡鎴愬姛鍦板皢鍏惰繘涓姝ョ殑鎵╁紶鍒頒簡閲戣瀺鏈嶅姟棰嗗煙錛屼負鍏跺搧鐗屼箖鑷蟲暣涓琛屼笟澧炴坊浜嗘柊鐨勪環鍊箋傚湪鏈鏉ワ紝瀹濋┈閲戣瀺灝嗙戶緇鍒涙柊鍜岃繘鍙栵紝涓哄箍澶у㈡埛鎻愪緵鏇村姞浼樿川鐨勯噾鋙嶄駭鍝佸拰鏈嶅姟錛屽苟鍦ㄦ湇鍔＄駭鍒鍜屼笟鍔￠嗗煙鏂歸潰縐鏋佸紑灞曟敼榪涘拰鎷撳睍銆
㈢ 騫村寲鍒╃巼鍗曞埄鏄鍟ユ剰鎬濓紵
涓銆佸勾鍖栧埄鐜囧崟鍒╂槸鍟ユ剰鎬濓紵
鍗曞埄錛屽嵆鍙鍦ㄥ師鏈夋湰閲戜笂璁＄畻鍒╂伅錛屼篃灝辨槸鎸夌収鍥哄畾鐨勬湰閲戣＄畻鐨勫埄鎮錛屼絾瀵規湰閲戞墍浜х敓鐨勫埄鎮涓嶅啀璁＄畻鍒╂伅銆傚傛灉鎶曡祫鑰呯殑鏈閲戞槸10,000鍏冿紝涓騫翠駭鐢2%鐨勫埄鎮錛岀敤鍗曞埄璁＄畻錛屽垯姣忓勾閮藉彧浼氬湪鏈閲戠殑鍩虹涓婁駭鐢200鍏冨埄鎮銆
騫村埄鐜囧崟鍒╂槸鎸囬氳繃浜у搧鐨勫滻鏈夋敹鐩婄巼鎶樼幇鑷沖叏騫寸殑鍒╃巼銆傝捶嬈懼勾鍖栧埄鐜囨槸浠ュ熸句漢鏀跺彇鐨勫叏閮ㄨ捶嬈捐垂鐢ㄥ崰鍊熸句漢瀹為檯鍗犵敤璐鋒炬湰閲戠殑姣斾緥鏉ヨ＄畻鐨勩
鎶樼畻鎴愬勾鍖栧艦寮忥紝騫村寲璐鋒懼埄鐜囬噰鐢ㄧ殑鏄澶嶅埄娉曟垨鍗曞埄娉曡＄畻錛屽傛灉鏄閲囩敤鍗曞埄娉曟潵璁＄畻鍒欒存槑涓哄崟鍒╋紝鍗曞埄鏄鎸囨棤璁哄熀閲戠殑瀛樻湡鏈夊氶暱錛屽彧鏈夋湰閲戝彇鍒╂伅錛岃屽墠鍑犳湡鐨勫埄鎮涓嶅湪涓嬩竴涓鍒╂伅鍛ㄦ湡璁＄畻鐨勮℃伅鏂瑰紡銆
浜屻佷粈涔堟槸鍗曞埄銆佸嶅埄?
涓昏佸尯鍒錛
1銆佸崟鍒╋細鍒╂伅浠呮寜鍘熷嬫湰閲戣＄畻錛屽埄鎮涓嶈″叆鏈閲戝埄鎮銆傚氨鏄鍒╀笉鐢熷埄錛屽嵆鏈閲戝滻瀹氾紝鍒版湡鍚庝竴嬈℃х粨綆楀埄鎮錛岃屾湰閲戞墍浜х敓鐨勫埄鎮涓嶅啀璁＄畻鍒╂伅銆
2銆佸嶅埄錛氬嶅埄鐨勮＄畻鏄鏍規嵁鍏朵駭鐢熺殑鏈閲戝拰鍒╂伅璁＄畻鐨勩傚嶅埄鍏跺疄灝辨槸鍒╂粴鍒╋紝鍗蟲妸涓婁竴鏈熺殑鏈閲戝拰鍒╂伅浣滀負涓嬩竴鏈熺殑鏈閲戞潵璁＄畻鍒╂伅銆
渚嬪傦細
鎶10000鍏冨瓨2騫達紝騫村埄鐜囦負3.25%錛2騫村悗鍒╂伅涓猴細
1銆佸崟鍒╄＄畻鏂瑰紡錛100003.25%2=650鍏冿紱
2銆佸嶅埄璁＄畻鏂瑰紡錛
100003.25%2100003.25%3.25%=650鍏21.125鍏冿紱
鍏朵腑100003.25%3.25%=21.125鍏冨氨鏄絎涓騫寸殑鍒╂伅
100003.25%鍦ㄧ浜屽勾浜х敓鐨勫埄鎮錛屼篃灝辨槸鍒╂伅鐨勫埄鎮銆
涓夈佽捶嬈懼崟鍒╁嶅埄浠涔堟剰鎬
璐鋒懼崟鍒╁嶅埄鐨勬剰鎬濇槸鎸囪捶嬈炬寜鐓у崟鍒╂垨鏄澶嶅埄鐨勬柟寮忔敹鍙栧埄鎮銆傚崟鍒╂槸鎸囦竴絎旇祫閲戞棤璁哄瓨鏈熷氶暱錛屽彧鏈夋湰閲戣″彇鍒╂伅錛岃屼互鍓嶅悇鏈熷埄鎮鍦ㄤ笅涓涓鍒╂伅鍛ㄦ湡鍐呬笉璁＄畻鍒╂伅鐨勮℃伅鏂規硶銆傚嶅埄鏄鎸囧湪璁＄畻鍒╂伅鏃訛紝鏌愪竴璁℃伅鍛ㄦ湡鐨勫埄鎮鏄鐢辨湰閲戝姞涓婂厛鍓嶅懆鏈熸墍縐緔鍒╂伅鎬婚濇潵璁＄畻鐨勮℃伅鏂瑰紡錛屼篃鍗抽氬父鎵璇寸殑"鍒╄村埄"錛"鍒╂粴鍒"銆傚埄鎮鏄鎸囧熸句漢涓哄彇寰楄祫閲戜嬌鐢ㄦ潈鑰屽悜璐鋒句漢鏀浠樼殑鎶ラ叕錛屽畠鏄璧勬湰錛堝嵆璐峰嚭鐨勬湰閲戱級鍦ㄤ竴瀹氭湡闂村唴鐨勪嬌鐢ㄤ環鏍箋傝捶嬈懼埄鎮鍙浠ラ氳繃璐鋒懼埄鎮璁＄畻鍣ㄨ︾粏鐨勮＄畻鍑烘潵銆傚湪姘戞硶涓錛屽埄鎮鏄鏈閲戠殑娉曞畾瀛蟲伅銆傝捶嬈劇殑璐ф炬柟寮忥細絳夐濇湰鎮榪樻撅細鍗寵捶嬈劇殑鏈閲戝拰鍒╂伅涔嬪拰閲囩敤鎸夋湀絳夐濊繕嬈劇殑涓縐嶆柟寮忋備綇鎴垮叕縐閲戣捶嬈懼拰澶氭暟閾惰岀殑鍟嗕笟鎬т釜浜轟綇鎴胯捶嬈鵑兘閲囩敤浜嗚繖縐嶆柟寮忋傝繖縐嶆柟寮忔瘡鏈堢殑榪樻鵑濈浉鍚屻傜瓑棰濇湰閲戣繕嬈撅細鍗沖熸句漢灝嗚捶嬈鵑濆鉤鍧囧垎鎽婂埌鏁翠釜榪樻炬湡鍐呮瘡鏈燂紙鏈堬級褰掕繕錛屽悓鏃朵粯娓呬笂涓浜ゆ槗鏃ュ埌鏈嬈¤繕嬈炬棩闂寸殑璐鋒懼埄鎮鐨勪竴縐嶈繕嬈炬柟寮忋傝繖縐嶆柟寮忔瘡鏈堢殑榪樻鵑濋愭湀鍑忓皯銆
鍥涖佽捶嬈懼崟鍒╁拰澶嶅埄鍝涓濂
寤鴻鵑摱琛屼釜浜轟綇鎴胯捶嬈懼埄鎮鏄澶嶅埄銆
鈶犱粠鏈璐ㄤ笂璇達紝璐鋒懼埄鎮鏄澶嶅埄錛屽張涓嶆槸綆鍗曠殑澶嶅埄錛
鈶″嵆姣忔湀榪樻句腑涓閮ㄥ垎鏄鍒╂伅錛屼竴閮ㄥ垎鏄鏈閲戱紝涓嬫湀璁＄畻鍒╂伅鏃跺厛璁＄畻鍑烘湰閲戜綑棰濓紝鐩存帴涔樹互鏈堝埄鐜囧緱鍑烘湰鏈堝簲榪樺埄鎮錛屽啀鐢ㄦ湀渚-鏈鏈堝簲榪樺埄鎮灝辨槸鏈鏈堣繕鏈閲戦濓紝濡傛ゅ線澶嶈＄畻銆
鎷撳睍璧勬枡錛
閫愮瑪璁℃伅娉曪細
錛1錛夋寜棰勫厛紜瀹氱殑璁℃伅鍏寮忓埄鎮=鏈綆楀埄鎮錛屽叿浣撴湁涓夛細
璁℃伅鏈熶負鏁村勾(鏈)鐨勶紝璁℃伅鍏寮忎負錛氣憼鍒╂伅=鏈閲懨楁湁鏁村勾(鏈)鍙堟湁闆跺ご澶╂暟鐨勶紝璁℃伅鍏寮忎負錛氣憽鍒╂伅=鏈閲懨楀勾(鏈)鏁懊楀勾(鏈)鍒╃巼鏈閲懨楅浂澶村ぉ鏁懊楁棩鍒╃巼鍚屾椂錛岄摱琛屽彲閫夋嫨灝嗚℃伅鏈熷叏閮ㄥ寲涓哄疄闄呭ぉ鏁拌＄畻鍒╂伅錛屽嵆姣忓勾涓365澶(闂板勾366澶)錛屾瘡鏈堜負褰撴湀鍏鍘=鏈閲懨楀疄闄呭ぉ鏁懊楁棩鍒╃巼
閾惰岃捶嬈懼傛灉鏄鍦ㄧ害瀹氱殑榪樻炬湡闄愮殑錛屽傛灉閫炬湡錛屽姞鏀墮炬湡璐鋒懼埄鎮鐨勫嶅埄銆
鍒╂伅鏁伴濅笌鏈閲戦濈殑姣斾緥銆
鎴戝浗鐨勫埄鐜囩敱涓琛岃捶嬈懼埄鐜囧弬鐓т腑鍥戒漢姘戦檯鍚堝悓鍒╃巼鍙鍦ㄥ熀瀹氳寖鍥村唴嫻鍔ㄣ
浠ラ摱琛岀瓑閲戣瀺鏈烘瀯涓哄嚭鍊熶漢鐨勫熸懼悎鑳藉湪涓鍥戒漢姘戦摱琛岃勫畾鍟嗐傝捶嬈懼埄鐜囬珮錛屽垯鍊熸炬湡闄愬悗鍊熶綆銆
鍗曞埄鏄鎸囨寜鐓у滻瀹氱殑鏈閲戣＄畻鐨勫埄鎮錛屾槸璁＄畻鍒╂伅鐨勪竴縐嶆柟娉曘傚崟鍒╃殑鎴栬捶嬈劇殑閲戦(鏈鐨勯暱鐭鍙婂競鍦轟竴鑸鍒╃巼姘村鉤絳夊洜緔犮傞摱琛屽瓨嬈劇殑鍒╂伅灝辨槸鍗
澶嶅埄鏄涓縐嶈＄畻鍒╂伅鐨勬柟娉曘傛寜鐓ф嵁鏈閲戣＄畻澶栵紝鏂板緱鍒扮殑鍒╂伅鍚屾牱鍙浠ョ敓鎮錛屽洜姝や織鈥濇垨鈥滃埄鍙犲埄鈥濄傚彧瑕佽＄畻鍒╅暱瓚婂揩錛岃岄殢鐫騫存湡瓚婇暱錛屽嶅埄鏁堝簲涔熶細瓚婃潵瓚婃槑鏄俱
澶嶅埄璁＄畻鍏寮忥細鏄璁＄畻鍓嶄竴鏈熷埄鎮璁℃伅銆傚畠鐨勮＄畻鏂規硶涓昏佸垎涓2縐嶏細涓縐嶆槸涓嬈℃敮浠樺嶅埄璁＄畻錛涘彟涓縐嶆槸絳夐濆氭℃敮浠樺嶅埄璁＄畻銆傚嶅埄璁＄畻鏈夐棿鏂澶嶅埄鍜岃繛緇澶嶅埄涔嬨佸崐騫淬佸ｃ佹湀鎴栨棩絳夛級璁℃柇澶嶅埄錛涙寜鐬鏃惰＄畻澶嶅埄鐨勬柟娉曚負榪炵畫澶嶅埄銆傚湪瀹為檯搴旂敤涓涓鑸閲囩敤闂存柇澶嶅埄鐗圭偣鏄錛氭妸涓婃湡鏈鐨勬湰鍒╁拰浣滀負涓嬩竴鏈熺殑鏈閲戱紝鍦ㄨ＄畻鏃舵瘡涓鏈熸湰閲戣＄畻澶氭＄瓑棰濇姇璧勭殑鏈鍒╃粓鍊