銆€銆€銆愭憳瑕併€�“鐕�(y铆ng)鏀瑰”灏囨矕鎿婂師鏈夐€犲児(ji脿)妯″紡锛岃В妲�(g貌u)鐩墠鐨勯€犲児(ji脿)楂旂郴锛屽叾瑾茬▍灏�(du矛)璞�銆佽▓(j矛)绋呮柟寮忎互鍙婅▓(j矛)绋呬緷鎿�(j霉)閮藉皣鐧�(f膩)鐢熼噸澶ц畩鍖�锛屽伐绋嬭▓(j矛)鍍�(ji脿)瑕�(gu墨)鍓�銆佽▓(j矛)鍍�(ji脿)渚濇摎(j霉)銆侀€犲児(ji脿)淇℃伅銆佸悎绱勮(gu墨)鍔冪瓑閮界櫦(f膩)鐢熸繁鍒荤殑璁婇潻銆�

銆€銆€涓€銆佺嚐(y铆ng)鏀瑰灏囨矕鎿婂師鏈夐€犲児(ji脿)妯″紡

銆€銆€鐕�(y铆ng)鏀瑰灏�(du矛)宸ョ▼閫犲児(ji脿)鐢�(ch菐n)鐢熷叏闈㈠張娣卞埢鐨勫奖闊�銆�

銆€銆€鐕�(y铆ng)鏀瑰涓嶅彧鏄▍鍒剁殑璁婂寲锛岃€屾槸涓€鍒囬兘璁婁簡锛岀敋鑷充竴鍒囬兘浜備簡銆傚叾褰遍熆鐨勮(gu墨)妯″拰娣卞害锛屽彲鑳戒笉浜炰簬1994骞寸殑閭ｄ竴鍫�(ch菐ng)鍒嗙▍鍒舵敼闈┿€傚垎绋呭埗鏈唱(zh矛)涓ぎ鑸囧湴鏂圭▍鏀舵灞殑瑾�(di脿o)鏁�锛岄€犳垚“澶瘜鍦扮”銆傝€岀嚐(y铆ng)鏀瑰鏄▍鍒惰垏绋呯巼鐨勮(di脿o)鏁�锛屽彲鑳芥渻(hu矛)“鍦�(gu贸)瀵屾皯绐�”銆傛牴鎿�(j霉)涔嬪墠鐨勭嚐(y铆ng)鏀瑰瑭﹂粸(di菐n)锛屼紒妤�(y猫)绋呰矤(f霉)澶у箙澧炲姞銆�

銆€銆€鐕�(y铆ng)妤�(y猫)绋呮槸鍍�(ji脿)鍏�(n猫i)绋咃紝鍏ㄩ寰佺▍;澧炲€肩▍鏄児(ji脿)澶栫▍锛屽樊椤嶅緛绋�銆�

銆€銆€澧炲€肩▍浣滅偤鍍�(ji脿)澶栫▍锛屽叾绋呰矤(f霉)鐞嗚珫涓婃噳(y墨ng)鐢辨秷璨�(f猫i)鑰呮壙鎿�(d膩n)锛屽畠瀹屽叏椤涜浜嗗師渚�(l谩i)寤虹瓚鐢�(ch菐n)鍝佺殑閫犲児(ji脿)妲�(g貌u)鎴愩€備笉鍍呭皪(du矛)寤轰紒鑷韩鐢�(ch菐n)鐢熷奖闊�锛岃€屼笖閫氶亷(gu貌)浼佹キ(y猫)灏�(du矛)鏁村€�(g猫)鐢�(ch菐n)妤�(y猫)閺�銆佷笂涓嬫父鐢�(ch菐n)鐢熷奖闊裤€�

銆€銆€“鐕�(y铆ng)鏀瑰”灏囨矕鎿婂師鏈夐€犲児(ji脿)妯″紡锛岃В妲�(g貌u)鐩墠鐨勯€犲児(ji脿)楂旂郴锛屽叾瑾茬▍灏�(du矛)璞�銆佽▓(j矛)绋呮柟寮忎互鍙婅▓(j矛)绋呬緷鎿�(j霉)閮藉皣鐧�(f膩)鐢熼噸澶ц畩鍖�锛屽伐绋嬭▓(j矛)鍍�(ji脿)瑕�(gu墨)鍓�銆佽▓(j矛)鍍�(ji脿)渚濇摎(j霉)銆侀€犲児(ji脿)淇℃伅銆佸悎绱勮(gu墨)鍔冪瓑閮界櫦(f膩)鐢熸繁鍒荤殑璁婇潻銆�

銆€銆€浜�銆佺嚐(y铆ng)鏀瑰鐨勬牳蹇冩槸鎶垫墸閺堟墦閫�

銆€銆€鏍规摎(j霉)鐞嗚珫娓�(c猫)绠�锛岀嚐(y铆ng)鏀瑰娓涜紩绋呰矤(f霉)83%;鑰屾牴鎿�(j霉)瀵�(sh铆)闅涙脯(c猫)绠�锛屽鍔犵▍璨�(f霉)93%锛屾姌鍚堢嚐(y铆ng)妤�(y猫)绋呯巼5.8%锛屽師渚�(l谩i)寤虹瓚妤�(y猫)鐕�(y铆ng)妤�(y猫)绋�3%銆傛湁鐨勬槑璩哄(sh铆)铏�锛屾湁鐨勬槑铏у(sh铆)璩�锛岄€欏畬鍏ㄥ彇姹轰簬鏈夊灏戝彲鎶垫墸鐨勯€�(j矛n)闋�(xi脿ng)绋呫€�

銆€銆€鐕�(y铆ng)鏀瑰鐨勬牳蹇冩槸鎶垫墸閺堟鎵撻€�锛岀挵(hu谩n)鐠�(hu谩n)鐩告墸锛屽堡灞ゆ姷閵�(xi膩o)銆備絾鐢变簬瀵�(sh铆)闅涙搷浣滀腑瀛樺湪鏈夌殑鍙姷鎵ｏ紝鏈夌殑涓嶈兘鎶垫墸;鏈夌殑鎶垫墸澶�锛屾湁鐨勬姷鎵ｅ皯;鏈夌殑鏄竴鑸磵绋呬汉锛屾湁鐨勬槸灏忚(gu墨)妯＄磵绋呬汉銆傚皬瑕�(gu墨)妯＄磵绋呬汉鏄勾鎳�(y墨ng)绋呴姺(xi膩o)鍞妯�(bi膩o)婧�(zh菙n)灏忎簬500钀�(w脿n)鍙婁笉缍�(j墨ng)甯哥櫦(f膩)鐢熸噳(y墨ng)绋呰鐐�銆傚皬瑕�(gu墨)妯＄磵绋呬汉鍙互杞�(zhu菐n)鐐轰竴鑸磵绋呬汉锛屼絾涓€鑸磵绋呬汉閫氬父涓嶈兘杞�(zhu菐n)鐐哄皬瑕�(gu墨)妯＄磵绋呬汉鎴栬綁(zhu菐n)鎻涚殑娴佺▼寰�(f霉)闆�銆�

銆€銆€涓夈€佺嚐(y铆ng)鏀瑰鐨勮▓(j矛)鍍�(ji脿)瑕�(gu墨)鍓囨槸“鍍�(ji脿)绋呭垎闆�”

銆€銆€鍥犵▍鐜囦笉鍚�锛屽彲鎶垫墸瑕�(gu墨)鍓囦篃涓嶅悓锛屽畾鍍�(ji脿)銆佺祫鍍�(ji脿)銆佽▓(j矛)鍍�(ji脿)銆佸牨(b脿o)鍍�(ji脿)鍜岄€犲児(ji脿)灏辫畩寰楃暟甯哥箒鐟�銆傛棦鐒跺姝わ紝鐕�(y铆ng)鏀瑰涓嬬殑瑷�(j矛)鍍�(ji脿)瑕�(gu墨)鍓囨噳(y墨ng)瑭�“鍍�(ji脿)绋呭垎闆�”锛屽叏閮ㄩ噰鐢�“瑁稿児(ji脿)”锛屼汉宸�銆佹潗鏂欍€佹(j墨)姊扮瓑鍏ㄩ儴“鍍�(ji脿)绋呭垎闆�”锛屼俊鎭児(ji脿)鍜屽競鍫�(ch菐ng)鍍�(ji脿)閲囬泦鑸囩櫦(f膩)甯冮兘瑕�“鍍�(ji脿)绋呭垎闆�”锛岄倓闋堣€冩叜甯傚牬(ch菐ng)鍍�(ji脿)鏍间笂琛屽洜绱�锛岄噸妲�(g貌u)瑷�(j矛)鍍�(ji脿)楂旂郴銆傛柊瑷�(j矛)鍍�(ji脿)楂旂郴鏈�(hu矛)鏇村姞鍤�(y谩n)璎�(j菒n)锛屾洿鍔犵簿绱�(x矛)锛屾洿鍔犲京(f霉)闆溿€�

銆€銆€涔嬪墠锛岄€犲児(ji脿)绋呴噾鎸夌稖鍚堣不(f猫i)鐜囪▓(j矛)鍙栫偤3.41%锛屽凡鑰冩叜寤轰紒鐨勫叾浠栭檮鍔犵▍銆�

銆€銆€鏍规摎(j霉)妯″瀷娓�(c猫)绠�锛屽児(ji脿)绋呭畬鍏ㄥ垎闆㈡ā寮忚垏绋呯巼鐩存帴杞�(zhu菐n)鎻涗笉璁婃洿鍘熸湁鍒嗛爡(xi脿ng)瑷�(j矛)鍍�(ji脿)鏂瑰紡鐨勯€犲児(ji脿)澶ц嚧鎺ヨ繎銆�

銆€銆€鏍规摎(j霉)寤烘(bi膩o)杈2016]4铏�(h脿o)鏂�“浣忔埧鍩庨剦(xi膩ng)寤鸿ō(sh猫)閮ㄨ睛鍏怀闂�(gu膩n)浜庡仛濂藉缓绛戞キ(y猫)鐕�(y铆ng)鏀瑰寤鸿ō(sh猫)宸ョ▼瑷�(j矛)鍍�(ji脿)渚濇摎(j霉)瑾�(di脿o)鏁存簴(zh菙n)鍌欏伐浣滅殑閫氱煡”锛屽伐绋嬮€犲児(ji脿)=绋呭墠宸ョ▼閫犲児(ji脿)×(1+11%)銆�11%鐐哄鍊肩▍鐜囷紝绋呭墠宸ョ▼閫犲児(ji脿)=浜哄伐璨�(f猫i)+鏉愭枡璨�(f猫i)+姗�(j墨)姊拌不(f猫i)+绠＄悊璨�(f猫i)+鍒╂饯(r霉n)+瑕�(gu墨)璨�(f猫i)+鎺柦璨�(f猫i)(鍘熸枃浠剁劇(w煤)锛屾鐐虹瓎鑰呮墍鍔�锛屾闋�(xi脿ng)蹇呬笉鍙皯)銆傚悇璨�(f猫i)鐢ㄩ爡(xi脿ng)鐩潎浠ヤ笉鍖呭惈澧炲€肩▍鍙姷鎵ｉ€�(j矛n)闋�(xi脿ng)绋呴鐨勫児(ji脿)鏍艰▓(j矛)绠�锛屽嵆鍏ㄩ儴浠�“瑁稿児(ji脿)”瑷�(j矛)绠�锛屽鏋滀汉宸ヨ不(f猫i)銆佹潗鏂欒不(f猫i)銆佹(j墨)姊拌不(f猫i)绛夋槸鍚▍鍍�(ji脿)鏍�锛岄偅涔�锛岄倓寰楀墲闆㈠叾涓殑绋呴銆�

銆€銆€鏍规摎(j霉)鐕�(y铆ng)鏀瑰灏�(du矛)姣旀ā鍨嬪垎鏋愬拰娓�(c猫)绠�锛岀嚐(y铆ng)鏀瑰澧炲姞閫犲児(ji脿)銆傚浜哄伐璨�(f猫i)鍚▍鍍�(ji脿)鏍肩偤1钀�(w脿n)鍏�锛岄偅涔堥€犲児(ji脿)涓汉宸ヨ不(f猫i)鍍�(ji脿)鏍兼槸澶氬皯?濡傛灉鏄寜涓€鑸磵绋呬汉瑷�(j矛)绋呴€犲児(ji脿)涓汉宸ヨ不(f猫i)鍍�(ji脿)鏍�=10000÷(1+11%)=9009鍏�;濡傛灉鏄寜绨�(ji菐n)鏄撹▓(j矛)绋呴€犲児(ji脿)涓汉宸ヨ不(f猫i)鍍�(ji脿)鏍�=10000÷(1+3%)=9708.74鍏�銆�

銆€銆€濡傞嫾绛嬪惈绋呭児(ji脿)鏍肩偤1钀�(w脿n)锛岄偅涔堥€犲児(ji脿)涓嫾绛嬪児(ji脿)鏍兼槸澶氬皯?濡傛灉鏄寜涓€鑸磵绋呬汉瑷�(j矛)绋呴€犲児(ji脿)涓嫾绛嬪児(ji脿)鏍�=10000÷(1+17%)=8547鍏�;濡傛灉鏄寜绨�(ji菐n)鏄撹▓(j矛)绋呴€犲児(ji脿)涓汉宸ヨ不(f猫i)鍍�(ji脿)鏍�=10000÷(1+3%)=9708.74鍏�銆�

銆€銆€鍦ㄨ▓(j矛)绠楁墍鏈夎不(f猫i)鐢ㄦ檪(sh铆)閮借鍒嗕竴鑸磵绋呬汉鍜屽皬瑕�(gu墨)妯＄磵绋呬汉鍏╃ó锛屾儏娉佽畩寰楃暟甯稿京(f霉)闆�銆傝▓(j矛)鍍�(ji脿)鏅�(sh铆)閮藉厛浜嗚В渚涙噳(y墨ng)鍟嗙殑绱嶇▍椤�(l猫i)鍨�锛岄兘瑕佸皪(du矛)閵�(xi膩o)鍞児(ji脿)鏍奸€�(j矛n)琛屽児(ji脿)绋呭垎闆㈠拰閵�(xi膩o)鍞笉鍚▍鍍�(ji脿)鏍艰垏閵�(xi膩o)鍞惈绋呭児(ji脿)鏍奸€�(j矛n)琛屾彌绠楋紝閫欒畵浜哄穿娼�銆傜嚐(y铆ng)鏀瑰鏄皯涔嬫墍鎯￠倓鏄墍濂�?姘戜箣鎯″墖鍘讳箣锛屾皯涔嬫墍濂藉墖绲︿箣锛岃€屼笉鑳藉弽鍏堕亾琛屼箣銆�

銆€銆€鍥�銆佸彧鏈夌暥(d膩ng)閫�(j矛n)闋�(xi脿ng)绋呯巼澶т簬8%锛屽缓浼佺殑绋呰矤(f霉)鎵嶆笡杓�

銆€銆€寤虹瓚妤�(y猫)鏄埧鍦扮敘(ch菐n)妤�(y猫)鏈€涓昏鐨勪笂娓镐緵鎳�(y墨ng)鍟嗭紝瀹冪嵅寰楃殑鎶垫墸鐩告瘮涓嬫父鐨勬埧鍦扮敘(ch菐n)浼佹キ(y猫)瑕佸皯銆�

銆€銆€鍘熺嚐(y铆ng)妤�(y猫)绋呭埗涓嬬殑寤轰紒绋呰矤(f霉)=(绲�(ji茅)绠楀伐绋嬮€犲児(ji脿)-鍒嗗寘閫犲児(ji脿))×3%锛屽悇闋�(xi脿ng)璨�(f猫i)鐢ㄥ潎鐐哄惈绋呭児(ji脿)鏍�銆�(鍏朵粬闄勫姞绋呯巼涓嶈畩)

銆€銆€澧炲€肩▍鍒朵笅鐨勫缓浼佸鍊肩▍绋呰矤(f霉)鐜�=(涓嶅惈绋呮敹鍏�-閫�(j矛n)闋�(xi脿ng)绋呴)÷涓嶅惈绋呮敹鍏�

銆€銆€鍙湁鐣�(d膩ng)閫�(j矛n)闋�(xi脿ng)绋呴鐜�>8%锛屽鍊肩▍鍒剁殑浼佹キ(y猫)绋呰矤(f霉)鐜囧皬浜庡師鐕�(y铆ng)妤�(y猫)绋呯巼3%銆備絾鍙栧緱閫�(j矛n)闋�(xi脿ng)绋呴鐜�>8%璜囦綍瀹规槗銆�

銆€銆€鎳�(y墨ng)绱嶇▍椤�=閵�(xi膩o)闋�(xi脿ng)绋呴涓€閫�(j矛n)闋�(xi脿ng)绋呴銆傞姺(xi膩o)闋�(xi脿ng)绋呴=閵�(xi膩o)鍞×绋呯巼銆傞姺(xi膩o)鍞=鍚▍閵�(xi膩o)鍞÷(1+绋呯巼)銆傞姺(xi膩o)鍞涓嶅惈绋�銆傚缓浼佺殑閫�(j矛n)闋�(xi脿ng)绋呴鍖呮嫭澶у畻鏉愭枡鍜屽垎鍖呭晢銆�

銆€銆€澶у畻鏉愭枡濡傛灉涓€鑸磵绋呬汉澧炲€肩▍鐜�17%锛屽彲鎶垫墸;濡傛灉灏忚(gu墨)妯＄磵绋呬汉锛岄仼鐢ㄧ啊(ji菐n)鏄撹▓(j矛)绋呮柟娉�锛屽緛鏀剁巼3%锛屼笉寰楁姷鎵�銆�

銆€銆€鍒嗗寘鍟嗗鏋滀竴鑸磵绋呬汉澧炲€肩▍鐜�11%锛屽彲鎶垫墸;濡傛灉灏忚(gu墨)妯＄磵绋呬汉锛岄仼鐢ㄧ啊(ji菐n)鏄撹▓(j矛)绋呮柟娉曪紝寰佹敹鐜�3%锛屼笉寰楁姷鎵�銆�

銆€銆€浜�銆佸浣曡檿鐞嗙嚐(y铆ng)鏀瑰鍚庣殑“鐢蹭緵”鑸�“灏�(zhu膩n)妤�(y猫)鍒嗗寘”

銆€銆€鍦ㄥ師鏈夌殑绋呭埗涓�锛屽ぇ瀹楁潗鏂�“鐢蹭緵”鏄洐鍒冨妽锛屽苟涓嶄竴瀹氭湁鍒╀簬鐢叉柟鎴栦箼鏂�锛屽皪(du矛)鐢蹭箼闆欐柟閮芥槸鍒╁紛鐩哥暥(d膩ng)锛屽洜?y脿n)妞存樊瀣栬鍌绘寶鍦籑(j矛n)闋�(xi脿ng)绋呴鐨勮(gu墨)瀹�銆�

銆€銆€鐕�(y铆ng)鏀瑰鍚�锛岃(shu铆)閲囪臣(g貌u)閫�(j矛n)璨ㄨ(shu铆)灏辫兘鐛插緱鍙姷鎵ｇ殑閫�(j矛n)闋�(xi脿ng)绋呴锛屾墍浠�锛屽畠灏辨槸鍒╃泭锛屽鍦熷繀鐖�(zh膿ng)銆傚ぇ瀹楁潗鏂欏鏋滄槸鐢蹭緵锛屽缓瑷�(sh猫)鍠綅鍙互浜彈鎶垫墸姝ら€�(j矛n)闋�(xi脿ng)绋�锛岃€屾壙鍖呭晢澶卞幓閫欏鍒╃泭銆傛墍浠�锛屼互鍚庢壙鍖呭悎鍚屽皪(du矛)鐢蹭緵蹇呯劧鎴愮偤鍗氬紙鐨勭劍榛�(di菐n)銆傚鏋滈嫾绛嬪拰娣峰嚌鍦熺敳渚�锛屽缓浼佸咕涔庢矑(m茅i)鏈変粈涔堥€�(j矛n)闋�(xi脿ng)绋呭彲鎶点€�

銆€銆€鑷充簬灏�(zhu膩n)妤�(y猫)鍒嗗寘锛屽咕涔庡氨鏄厫鏁楃殑鐢�(ch菐n)鐗�锛屽氨鏄缓瑷�(sh猫)鍠綅鐨勫埄鐩婂钩琛�锛岄偅鏄妤�(y猫)鍏�(n猫i)閫氳鍋氭硶锛屽缓浼佹槸寰堢劇(w煤)濂堢殑銆傚叾瀵�(sh铆)锛岃偄瑙ｅ垎鍖呮槸閬曞弽銆婂缓绛戞硶銆嬬殑锛屼絾澶у閮界繏(x铆)鎱ｄ簡锛屼笖娉曚笉璨�(z茅)鐪�锛屾墍浠�锛屼笉浠ョ偤鎬簡銆傚闁€(m茅n)绐楃瓑宸ョ▼锛岄洠閬撶附鎵垮寘娌�(m茅i)鏈夎兘鍔涘仛鍡�?闆ｉ亾绺芥壙鍖呬笉鏈�(hu矛)鎵惧皥(zhu膩n)妤�(y猫)鐨勯杸(m茅n)绐楀叕鍙�?

銆€銆€鐕�(y铆ng)鏀瑰灏�(du矛)寤轰紒涓嶅埄锛屽皪(du矛)鎴夸紒鏈夊埄銆傛牴鎿�(j霉)鐝�(xi脿n)鍦ㄧ殑鎵跨櫦(f膩)鍖呮ā寮�锛屽伐绋嬭偄瑙ｏ紝閫犲児(ji脿)涔熻鑲㈣В銆傝(shu艒)鏄附鎵垮寘锛屽(sh铆)闅涘彧鍋氭瘺澹�锛屽叾浠栦竴鑸潎閲囩敤灏�(zhu膩n)妤�(y猫)鍒嗗寘褰㈠紡锛岀敋鑷冲湡寤虹殑妯佸熀宸ョ▼銆佸湡鏂瑰伐绋嬨€侀杸(m茅n)绐楀伐绋�銆侀槻姘村伐绋嬨€佷繚婧伐绋�銆佸澧绘秱鏂欐垨闈㈤＞宸ョ▼銆侀噾灞瑒妗跨瓑鍧囧垎鍖�锛岄€欐ǎ锛屽缓浼佸彲鎶垫墸鐨勯€�(j矛n)闋�(xi脿ng)绋呮矑(m茅i)澶氬皯锛岃€屾埧浼佺殑鍙姷鎵ｇ殑閫�(j矛n)闋�(xi脿ng)绋呭緢澶�銆�

銆€銆€鐕�(y铆ng)鏀瑰鍚�锛屽洜娑夊強鎶垫墸閫�(j矛n)闋�(xi脿ng)绋�锛屾墍浠ワ紝灏�(zhu膩n)妤�(y猫)鍒嗗寘閫欎簺娼涜(gu墨)鍓囧皣鏀瑰(xi臎)鎴栭噸鏂扮磩瀹氱附鍖呰不(f猫i)鐜�銆�

銆€  鐠�(hu谩n)鐞冪恫(w菐ng)鏍℃暣鐞�锛�鐕�(y铆ng)鏀瑰灏�(du矛)宸ョ▼瑷�(j矛)鍍�(ji脿)鐨勫奖闊�锛屾洿澶氶棞(gu膩n)浜庣嚐(y铆ng)鏀瑰鐩搁棞(gu膩n)淇℃伅璜�(q菒ng)闅ㄦ檪(sh铆)闂�(gu膩n)娉ㄧ挵(hu谩n)鐞冪恫(w菐ng)鏍�閫犲児(ji脿)宸ョ▼甯�闋婚亾鎴栫櫥閷勯€犲児(ji脿)甯�璜栧锛岃垏鍚勪綅婧�(zh菙n)閫犲児(ji脿)甯氦娴佺稉(j墨ng)椹�(y脿n)锛�

    绶ㄨ集鎺ㄨ枽锛�

    鐕�(y铆ng)鏀瑰绱�(x矛)鍓囪惤鍦帮紝灏�(du矛)寤虹瓚琛屾キ(y猫)鏈夊摢浜涘奖闊�锛�

    鐕�(y铆ng)鏀瑰灏�(du矛)寤虹瓚琛屾キ(y猫)鑸囦紒妤�(y猫)甯朵締(l谩i)鐨勫奖闊�

    “鐕�(y铆ng)鏀瑰”閬�(gu貌)娓℃湡濡備綍鎳�(y墨ng)灏�(du矛)锛�

    寤虹瓚妤�(y猫)鐕�(y铆ng)鏀瑰閬�(gu貌)娓℃湡鏀跨瓥鍏ㄨВ鏋�

    鐕�(y铆ng)鏀瑰鍚�锛屽缓绛戞キ(y猫)澶氶噸鍥伴洠寰呯牬瑙�

    鐕�(y铆ng)鏀瑰23鍊�(g猫)鐔遍粸(di菐n)鍟�(w猫n)椤屽叏瑙�

    闂�(gu膩n)浜庡叏闈㈡帹闁�(k膩i)鐕�(y铆ng)妤�(y猫)绋呮敼寰佸鍊肩▍瑭﹂粸(di菐n)閫氱煡

銆€銆€銆愭憳瑕併€�2016骞�5鏈�1鏃ヨ捣锛屽缓绛戞キ(y猫)鍏ㄩ潰"鐕�(y铆ng)鏀瑰"銆傚湪鐭煭涓嶅埌涓€鍊�(g猫)鏈堢殑鏅�(sh铆)闁撳収(n猫i)锛屽缓绛戜紒妤�(y猫)瑕佸緸鐕�(y铆ng)妤�(y猫)绋呯磵绋呬汉锛岃綁(zhu菐n)璁�?y艒u)妯甸矉鍒€鎯绋呬汉锛岄潰鑷ㄥ畬鍏ㄩ檶鐢熺殑绋呮敹鐠�(hu谩n)澧�锛屽缓绛戞キ(y猫)濡備綍鍋氬ソ鐕�(y铆ng)鏀瑰骞崇┅(w臎n)閬�(gu貌)娓�锛岀▍璨�(f霉)鍙笡涓嶅銆�

銆€銆€鍏�銆佺嚐(y铆ng)鏀瑰浜哄伐璨�(f猫i)濡備綍铏曠悊

銆€銆€鍒嗗寘鍟嗘槸涓€鑸磵绋呬汉閭勬槸灏忚(gu墨)妯＄磵绋呬汉锛屽崁(q奴)鍒ュお澶т簡銆傜敱浜庡缓绛戣妤�(y猫)鐨勫嫗鍕�(w霉)鍒嗗寘澶ч兘灞簬灏忚(gu墨)妯＄磵绋呬汉锛岀劇(w煤)娉曟姷鎵�锛岃€屽伐绋嬮€犲児(ji脿)涓汉宸ユ垚鏈張鏄ぇ闋�锛屽崰绺介€犲児(ji脿)绱�30%銆傞姺(xi膩o)闋�(xi脿ng)绋呬氦浜嗗緢澶�锛岄珮閬�(d谩)11%锛屼絾閫�(j矛n)闋�(xi脿ng)绋呮姷鎵ｅ緱寰堝皯鐢氳嚦娌�(m茅i)鏈�銆傚鏋滀笉瑷�(j矛)閫�(j矛n)闋�(xi脿ng)绋呴锛屼紒妤�(y猫)绋呰矤(f霉)澶у箙澧炲姞銆傚嵆浣胯▓(j矛)鍏ラ€�(j矛n)闋�(xi脿ng)绋呴锛岀敱浜庡彇寰楅€�(j矛n)闋�(xi脿ng)绋呮姷鎵ｆ啈璀夐洠搴﹀ぇ锛屽(sh铆)闅涘彲鎶垫墸鐨勯€�(j矛n)闋�(xi脿ng)绋呴涔熸湁闄愩€�

銆€銆€鏌愬伐绋嬪嫗鍕�(w霉)璨�(f猫i)100钀�(w脿n)(鍚▍)

銆€銆€濡傚嫗鍕�(w霉)鍏徃鏄皬瑕�(gu墨)妯＄磵绋呬汉锛屽緛绋呯巼3%锛屼笉鍚▍鍕炲嫏(w霉)璨�(f猫i)=100÷(1+3%)=97.087379钀�(w脿n)锛岀▍椤�=97.087379×3%=2.912621钀�(w脿n)銆傛绋呴寤轰紒涓嶈兘鎶垫墸銆�

銆€銆€濡傛灉鍕炲嫏(w霉)鍏徃鏄竴鑸磵绋呬汉锛屽鍊肩▍鐜�11%锛屼笉鍚▍鍕炲嫏(w霉)璨�(f猫i)=100÷(1+11%)=90.09009钀�(w脿n)锛岀▍椤�=90.09009×11%=9.90991 钀�(w脿n)銆傛绋呴寤轰紒鍙互鎶垫墸銆傚悓妯ｇ殑鍕炲嫏(w霉)璨�(f猫i)鏀嚭锛屽儏鍍呭洜?y脿n)闁锭?w霉)鍏徃鐨勭磵绋呬汉椤�(l猫i)鍨嬩笉鍚�锛岃€屽皪(du矛)寤轰紒鐨勫埄娼�(r霉n)鐢�(ch菐n)鐢熼噸澶х殑褰遍熆锛屽崰鍕炲嫏(w霉)璨�(f猫i)绱�9.9%銆�

銆€銆€灏�(du矛)浜庨€犲児(ji脿)浜哄摗渚�(l谩i)瑾�(shu艒)锛屽叾寰�(f霉)闆滄€у湪浜庨€犲児(ji脿)涓殑宸ヤ汉璨�(f猫i)涓嶇瓑浜庡(sh铆)闅涘垎鍖呯殑鍕炲嫏(w霉)璨�(f猫i)銆�

銆€銆€浜哄伐璨�(f猫i)=瀹氶浜哄伐鍚噺×淇℃伅鍍�(ji脿)浜哄伐璨�(f猫i)(鎴栨姇妯�(bi膩o)浜哄伐鍠児(ji脿))

銆€銆€鑰屽嫗鍕�(w霉)璨�(f猫i)涓€鑸槸鏍规摎(j霉)甯傚牬(ch菐ng)琛屾儏鍜岄洐鏂圭磩瀹�锛屾寜姣忓钩鏂瑰灏戝児(ji脿)鏍肩啊(ji菐n)鏄撹▓(j矛)鍍�(ji脿)銆�

銆€銆€閫欏氨鏄畾椤嶈▓(j矛)鍍�(ji脿)妯″紡鏈韩鐨勭己闄�锛岃垏甯傚牬(ch菐ng)鍤�(y谩n)閲嶈劔绡€(ji茅)銆�

銆€銆€浜哄伐璨�(f猫i)涓嶅惈绋呭浣曡檿鐞�?鏍规摎(j霉)鐩墠鐨勬儏娉佸彧鑳藉湪淇℃伅鍍�(ji脿)涓婁綔铏曠悊锛屽児(ji脿)绋呭垎闆�锛岀劧鍚�锛岃▓(j矛)鍍�(ji脿)鏅�(sh铆)鍙栦笉鍚▍浜哄伐璨�(f猫i)鍗冲彲銆傞偅涔�锛屽晱(w猫n)椤屽張渚�(l谩i)浜嗭紝浜哄伐璨�(f猫i)绋呯巼鏄灏�锛屾槸鍚﹂倓寰楀垎灏忚(gu墨)妯＄磵绋呬汉鍜屼竴鑸磵绋呬汉銆傜嚐(y铆ng)鏀瑰浼佹キ(y猫)绋呰矤(f霉)澧炲姞锛岄€犲児(ji脿)浜哄摗宸ヤ綔闆ｅ害澧炲姞銆�

銆€銆€涓冦€佺嚐(y铆ng)鏀瑰鍚堝悓濡備綍绨借▊

銆€銆€鐢变簬寤虹瓚妤�(y猫)鏅亶瀛樺湪鎺涢潬銆佽硣璩�(zh矛)鍏变韩銆佽綁(zhu菐n)鍖�銆佸垎鍖呯瓑褰㈠紡锛岀嚐(y铆ng)妤�(y猫)绋呭埗涓嬮€欎簺閮戒笉鏄ぇ鍟�(w猫n)椤岋紝鐒惰€�锛岀嚐(y铆ng)鏀瑰鍚庡晱(w猫n)椤屽氨灏变締(l谩i)浜�銆�

銆€銆€鍚堝悓绨借▊涓婚珨鑸囧(sh铆)闅涙柦宸ヤ富楂斾笉涓€鑷�锛岄€�(j矛n)閵�(xi膩o)闋�(xi脿ng)绋呯劇(w煤)娉曞尮閰�锛岀劇(w煤)娉曟姷鎵ｉ€�(j矛n)闋�(xi脿ng)绋呫€�

銆€銆€涓(bi膩o)鍠綅鑸囧(sh铆)闅涙柦宸ュ柈浣嶄箣闁撶劇(w煤)鍚堝悓闂�(gu膩n)绯�锛岀劇(w煤)娉曞缓绔嬪鍊肩▍鎶垫墸閺堟锛屼笉鑳藉(sh铆)鐝�(xi脿n)鍒嗗寘鎴愭湰閫�(j矛n)闋�(xi脿ng)绋呮姷鎵�锛屽奖闊块€�(j矛n)闋�(xi脿ng)绋呮姷鎵ｃ€�

銆€銆€鍏�(n猫i)閮ㄧ附鍒嗗寘涔嬮枔涓嶉枊(k膩i)鍏风櫦(f膩)绁�锛岀附鍖呮柟鐒�(w煤)娉曟姷鎵ｅ垎鍖呮垚鏈殑閫�(j矛n)闋�(xi脿ng)绋�銆�

銆€銆€鐗╄硣銆佽ō(sh猫)鍌欐(j墨)姊板ぇ澶氶噰鐢ㄩ泦鍦�(tu谩n)闆嗕腑閲囪臣(g貌u)妯″紡锛屼互闄嶄綆宸ョ▼鎴愭湰銆傜敱浜庡悎鍚岀敖瑷傛柟鑸囧(sh铆)闅涢仼鐢ㄦ柟鍚嶇ū(ch膿ng)涓嶄竴鑷�锛岀劇(w煤)娉曞(sh铆)鐝�(xi脿n)閫�(j矛n)闋�(xi脿ng)绋呴鎶垫墸銆傞渶瑕佽(di脿o)鏁村師鏈夌殑缍�(j墨ng)鐕�(y铆ng)妯″紡锛岀当(t菕ng)璜�銆佸垎绨姐€佸垎浠�锛屾墠鑳芥姷鎵�銆�

銆€銆€鍏€佺嚐(y铆ng)鏀瑰瀛樺湪澶ч噺鐒�(w煤)娉曟姷鎵ｉ爡(xi脿ng)鐩�

銆€銆€闆跺伐鐨勪汉宸ユ垚鏈拰寤轰紒鍝″伐鐨勪汉宸ユ垚鏈洠浠ュ彇寰楀彲鎶垫墸鐨勯€�(j矛n)闋�(xi脿ng)绋�銆傜偤鐛插緱閫�(j矛n)闋�(xi脿ng)绋呴鎶垫墸锛屽繀闋堝叏閮ㄥ鍖�锛屼笖澶栧寘鍠綅鍏峰倷涓€鑸磵绋呬汉璩囨牸銆�

銆€銆€鏂藉伐鐢ㄧ殑寰堝浜屼笁椤�(l猫i)鏉愭枡(闆舵槦鏉愭枡鍜屽垵绱�(j铆)鏉愭枡濡傛矙銆佺煶绛�)锛屽洜渚涙枡娓犻亾澶氱偤灏忚(gu墨)妯′紒妤�(y猫)銆佺鐕�(y铆ng)浼佹キ(y猫)鎴栧€�(g猫)楂旀埗(h霉)锛岄€氬父鍙湁鏅€氱櫦(f膩)绁ㄧ敋鑷冲彧鑳介枊(k膩i)鍏锋敹鎿�(j霉)锛岄洠浠ュ彇寰楀彲鎶垫墸鐨勫鍊肩▍灏�(zhu膩n)鐢ㄧ櫦(f膩)绁�銆�

銆€銆€宸ョ▼鎴愭湰涓殑姗�(j墨)姊颁娇鐢ㄨ不(f猫i)鍜屽绉熸(j墨)姊拌ō(sh猫)鍌欎竴鑸兘闁�(k膩i)鍏锋櫘閫氭湇鍕�(w霉)妤�(y猫)鐧�(f膩)绁ㄣ€�

銆€銆€BT銆丅OT闋�(xi脿ng)鐩€氬父闇€澧婁粯璩囬噾锛屼笖璩囬噾鍥炴敹鏈熼暦(zh菐ng)锛屽叾鍒╂伅璨�(f猫i)鐢ㄥ法澶э紝涔熺劇(w煤)娉曟姷鎵�銆�

銆€銆€鐢蹭緵銆佺敳鎺ф潗鏂欏缓浼佺劇(w煤)娉曟姷鎵ｃ€�

銆€銆€鏂藉伐鐢熺敘(ch菐n)鐢ㄨ嚚鏅�(sh铆)鎴垮眿銆佽嚚鏅�(sh铆)寤虹瓚鐗�銆佹(g貌u)绛戠墿绛夎ō(sh猫)鏂戒笉灞簬澧炲€肩▍鎶垫墸鑼冨湇銆�

銆€銆€涔�銆佺嚐(y铆ng)鏀瑰閫犲児(ji脿)浜哄摗鎳�(y墨ng)鎻愰珮瀹氬児(ji脿)鑳藉姏

銆€銆€濡傛灉寤轰紒涓嶇啛鎮夌嚐(y铆ng)鏀瑰鐨勮(gu墨)鍓囷紝涓嶆墦鐮存€濈董瀹氬嫝(sh矛)锛屼笉瑾�(di脿o)鏁存姇妯�(bi膩o)绛栫暐锛屼笉鏍规摎(j霉)鏂扮▍鍒堕€�(j矛n)琛屽悎绱勮(gu墨)鍔�锛屼笉鐖�(zh膿ng)鍙栧埌鏇村鐨勫彲鎶垫墸閫�(j矛n)闋�(xi脿ng)绋咃紝涓嶅寮�(qi谩ng)寤轰紒鐨勫畾鍍�(ji脿)銆佸牨(b脿o)鍍�(ji脿)鍜岃珖鍍�(ji脿)鑳藉姏锛屽氨鏈�(hu矛)锠堕寤轰紒鏈氨寰杽鐨勫埄娼�(r霉n)銆傛垜鍦�(gu贸)鐝�(xi脿n)琛屽缓绛戣▓(j矛)鍍�(ji脿)妯″紡鐢变簬瀛樺湪“鏀垮簻瀹氬児(ji脿)”“淇℃伅鍍�(ji脿)”绛夐潪瀹屽叏甯傚牬(ch菐ng)缍�(j墨ng)婵�(j矛)鍥犵礌锛屽洜鑰屽瓨鍦ㄨ憲鏀跨瓥鍒跺害鍜屽(sh铆)闅涙搷浣滀笂鐨勭煕鐩�銆�

銆€銆€鐕�(y铆ng)鏀瑰锛屼笉鍍呭鍔犲缓浼佺殑绋呰矤(f霉)锛岃€屼笖澧炲姞寤轰紒鐨勯ⅷ(f膿ng)闅�(xi菐n)銆傚缓浼佺殑璐忓埄鍙栨焙浜庡彲鎶垫墸閫�(j矛n)闋�(xi脿ng)绋呴鐨勫灏戙€傚鏋滃彲鎶垫墸閫�(j矛n)闋�(xi脿ng)绋呴灏戞垨娌�(m茅i)鏈�锛屽墖闈㈣嚚铏ф悕棰�(f膿ng)闅�(xi菐n)銆�

銆€銆€寤虹瓚琛屾キ(y猫)鏈韩灏辨槸寰埄琛屾キ(y猫)锛岃妤�(y猫)骞冲潎鍑堝埄娼�(r霉n)涓嶉亷(gu貌)鏄�2%宸﹀彸锛岀嚐(y铆ng)鏀瑰鍚庡皫(d菐o)鑷村噲鍒╂饯(r霉n)鐜囨垨?q奴)鈷嬭爴顙€闄嗘媴顑篅榛�(di菐n)鍒╂饯(r霉n)鍙兘閭勪笉澶犲浜ょ磵鐨勭▍閲�锛屽彲鑳藉嚭鐝�(xi脿n)鏁撮珨鎬ц妤�(y猫)鎬ц櫑鎼�銆傚缓绛戞キ(y猫)绮楁斁钀藉悗锛屾湁鑰佸斧瑾�(shu艒)鐕�(y铆ng)鏀瑰鏈夊埄浜庢彁鍗囩鐞嗘按骞�锛岄€欐€庝箞鍙兘锛屽姝ら噸鐨勭▍璨�(f霉)灏囧璺ㄨū澶氫紒妤�(y猫)銆�

銆€銆€“鐕�(y铆ng)鏀瑰”鐗戒竴鐧�(f膩)鑰屽嫊(d貌ng)鍏ㄨ韩銆備笉绠℃槸寤轰紒閭勬槸鎴夸紒鍒跺畾鍑烘噳(y墨ng)灏�(du矛)鐕�(y铆ng)鏀瑰鏂规锛屽苟涓嶆柗閫�(j矛n)琛屾柟妗堝劒(y艒u)鍖栥€傞€犲児(ji脿)鍜ㄨ(x煤n)鍏徃鎳�(y墨ng)鐧�(f膩)鎻皥(zhu膩n)妤�(y猫)鍎�(y艒u)鍕�(sh矛)锛岀洝蹇偤濮旀墭鏂规彁渚涙渶鍎�(y艒u)瑙ｆ焙鏂规銆�

銆€  鐠�(hu谩n)鐞冪恫(w菐ng)鏍℃暣鐞�锛�鐕�(y铆ng)鏀瑰灏�(du矛)宸ョ▼瑷�(j矛)鍍�(ji脿)鐨勫奖闊�锛屾洿澶氶棞(gu膩n)浜庣嚐(y铆ng)鏀瑰鐩搁棞(gu膩n)淇℃伅璜�(q菒ng)闅ㄦ檪(sh铆)闂�(gu膩n)娉ㄧ挵(hu谩n)鐞冪恫(w菐ng)鏍�閫犲児(ji脿)宸ョ▼甯�闋婚亾鎴栫櫥閷勯€犲児(ji脿)甯�璜栧锛岃垏鍚勪綅婧�(zh菙n)閫犲児(ji脿)甯氦娴佺稉(j墨ng)椹�(y脿n)锛�

    绶ㄨ集鎺ㄨ枽锛�

    鐕�(y铆ng)鏀瑰绱�(x矛)鍓囪惤鍦�锛屽皪(du矛)寤虹瓚琛屾キ(y猫)鏈夊摢浜涘奖闊�锛�

    鐕�(y铆ng)鏀瑰灏�(du矛)寤虹瓚琛屾キ(y猫)鑸囦紒妤�(y猫)甯朵締(l谩i)鐨勫奖闊�

    “鐕�(y铆ng)鏀瑰”閬�(gu貌)娓℃湡濡備綍鎳�(y墨ng)灏�(du矛)锛�

    寤虹瓚妤�(y猫)鐕�(y铆ng)鏀瑰閬�(gu貌)娓℃湡鏀跨瓥鍏ㄨВ鏋�

    鐕�(y铆ng)鏀瑰鍚�锛屽缓绛戞キ(y猫)澶氶噸鍥伴洠寰呯牬瑙�

    鐕�(y铆ng)鏀瑰23鍊�(g猫)鐔遍粸(di菐n)鍟�(w猫n)椤屽叏瑙�

    闂�(gu膩n)浜庡叏闈㈡帹闁�(k膩i)鐕�(y铆ng)妤�(y猫)绋呮敼寰佸鍊肩▍瑭﹂粸(di菐n)閫氱煡