鏈熻波鍩虹(ch菙)鐭ヨ瓨(sh铆)瑷�(j矛)绠楅鍏紡

1.鏈夐棞(gu膩n)鏈熻綁(zhu菐n)鐝�(xi脿n)鐨勮▓(j矛)绠�(鏈熻綁(zhu菐n)鐝�(xi脿n)鑸囧埌鏈熶氦鍓茬殑鐩堣櫑姣旇純)锛�

棣栧厛锛屾湡杞�(zhu菐n)鐝�(xi脿n)閫氶亷(gu貌)“骞冲€�(c膩ng)鍍�(ji脿)”(涓€鑸鐩渻(hu矛)鍛婄煡闆欐柟鐨�“寤哄€�(c膩ng)鍍�(ji脿)”)鍦ㄦ湡璨ㄥ競鍫�(ch菐ng)灏�(du矛)娌栧钩鍊�(c膩ng)銆傛閬�(gu貌)绋嬩腑锛岃卜(m菐i)鏂瑰強璩�(m脿i)鏂�(浜ゆ槗鍙笉鏄湪閫欎簩鑰呬箣闁撻€�(j矛n)琛岀殑鍝�!)鏈�(hu矛)鐢�(ch菐n)鐢熶竴瀹氱殑鐩堣櫑銆�

绗簩姝�锛岄洐鏂逛互“浜ゆ敹鍍�(ji脿)”閫�(j矛n)琛岀従(xi脿n)璨ㄥ競鍫�(ch菐ng)鍏�(n猫i)鐨勭従(xi脿n)璨ㄤ氦鏄撱€�

鍓囨渶绲�锛岃卜(m菐i)鏂圭殑(瀵�(sh铆)闅�)璩�(g貌u)鍏ュ児(ji脿)=浜ゆ敹鍍�(ji脿)-鏈熻波甯傚牬(ch菐ng)鐩堣櫑---------------鍦ㄦ湡杞�(zhu菐n)鐝�(xi脿n)鏂瑰紡涓�

璩�(m脿i)鏂圭殑(瀵�(sh铆)闅�)閵�(xi膩o)鍞児(ji脿)=浜ゆ敹鍍�(ji脿)+鏈熻波甯傚牬(ch菐ng)鐩堣櫑--------------鍦ㄦ湡杞�(zhu菐n)鐝�(xi脿n)鏂瑰紡涓�

鍙﹀锛屽湪鍒版湡浜ゅ壊涓�锛岃常(m脿i)鏂归倓瀛樺湪涓€鍊�(g猫)“浜ゅ壊鍜屽埄鎭瓑璨�(f猫i)鐢�”鐨勮▓(j矛)绠�锛屽嵆锛屽皪(du矛)浜庤常(m脿i)鏂逛締(l谩i)瑾�(shu艒)锛屽鏋�“鍒版湡浜ゅ壊”锛岄偅涔堜粬鐨勯姺(xi膩o)鍞垚鏈偤锛氬(sh铆)闅涢姺(xi膩o)鍞垚鏈�=寤哄€�(c膩ng)鍍�(ji脿)-浜ゅ壊鎴愭湰------------------鍦ㄥ埌鏈熶氦鍓叉柟寮忎笅

鑰岃卜(m菐i)鏂瑰墖涓嶅瓨鍦ㄤ氦鍓叉垚鏈�銆�

2.鏈夐棞(gu膩n)鏈熻波璨�(m菐i)璩�(m脿i)鐩堣櫑鍙婃寔鍊�(c膩ng)鐩堣櫑鐨勮▓(j矛)绠楋細

绱�(x矛)蹇冧竴浜�锛屽垎娓呯暥(d膩ng)鏃ョ泩铏ц垏鐣�(d膩ng)鏃ラ枊(k膩i)鍊�(c膩ng)鎴栫暥(d膩ng)鏃ユ寔鍊�(c膩ng)鐩堣櫑鐨勯棞(gu膩n)绯伙細

鐣�(d膩ng)鏃ョ泩铏�=骞冲€�(c膩ng)鐩堣櫑+鎸佸€�(c膩ng)鐩堣櫑

=骞虫鍙插€�(c膩ng)鐩堣櫑+骞崇暥(d膩ng)鏃ュ€�(c膩ng)鐩堣櫑+姝峰彶鎸佸€�(c膩ng)鐩堣櫑+鐣�(d膩ng)鏃ラ枊(k膩i)鍊�(c膩ng)鎸佸€�(c膩ng)鐩堣櫑

3.鏈夐棞(gu膩n)鍩哄樊浜ゆ槗鐨勮▓(j矛)绠楋細

A銆傚紕娓呮鍩哄樊浜ゆ槗鐨勫畾缇�锛�

B銆傝卜(m菐i)鏂瑰彨鍍�(ji脿)鏂瑰紡涓€鑸垏璩�(m脿i)鏈熶繚鍊奸厤鍚�锛涜常(m脿i)鏂瑰彨鍍�(ji脿)鏂瑰紡涓€鑸垏璨�(m菐i)鏈熶繚鍊奸厤鍚�锛�

C銆傛渶绲傜殑鐩堣櫑瑷�(j矛)绠楀彲鐢ㄥ熀宸柟寮忚〃绀�銆佹紨绠�銆�(鍛靛懙锛屾矑(m茅i)鏈変緥椤�锛屽氨鏄矑(m茅i)鏈変緥椤�锛岃嚜宸辩悽纾ㄥ惂)

4.灏囦締(l谩i)鍊�銆佺従(xi脿n)鍊肩殑瑷�(j矛)绠楋細(閲戣瀺鏈熻波涓€绔犵殑鍏�(n猫i)瀹�)

灏囦締(l谩i)鍊�=鐝�(xi脿n)鍊紉(1+骞村埄鐜噚骞存暩(sh霉))

A銆備竴鑸鐩腑鏈�(hu矛)鍛婄煡绁ㄩ潰閲戦鑸囩エ闈㈠埄鐜�锛屽墖浠ラ€欏叐鍊�(g猫)姊濅欢鍗冲彲瑷�(j矛)绠楀嚭锛�

灏囦締(l谩i)鍊�=绁ㄩ潰閲戦x(1+绁ㄩ潰鍒╃巼)----鍋囪ō(sh猫)鐐�1骞存湡

B銆傚洜鐭湡鎲戣瓑涓€鑸偤3鍊�(g猫)鏈堟湡锛岃▓(j矛)绠椾腑鏈�(hu矛)娑夊強鍒�1骞寸殑鍒╃巼鑸�3鍊�(g猫)鏈�(1/4骞�)鐨勫埄鐜囩殑鎶樼畻

5.涓暦(zh菐ng)鏈熷湅(gu贸)鍌电殑鐝�(xi脿n)鍊艰▓(j矛)绠楋細閲濆皪(du矛)5銆�10銆�30骞村湅(gu贸)鍌碉紝浠ュ京(f霉)鍒╄▓(j矛)绠�

P=(MR/2)X[1-.............................(鏇�(sh奴)涓婃湁鍏紡锛岃嚜宸辨嬁鎵嬫妱瀵�(xi臎)鍚э紝瀵�(sh铆)鍦ㄦ槸涓嶅ソ鎵撳晩锛屽伔鍊�(g猫)鎳�)

M鐐虹エ闈㈤噾椤嶏紝R鐐虹エ闈㈠埄鐜�(鍗婂勾鏀粯涓€娆�)锛屽競鍫�(ch菐ng)鍗婂勾鍒╃巼鐐簉锛岄爯(y霉)鐣欒▓(j矛)鎭湡鐐簄娆�

6.杞�(zhu菐n)鎻涘洜瀛愮殑瑷�(j矛)绠楋細閲濆皪(du矛)30骞存湡鍦�(gu贸)鍌�

鍚堢磩浜ゅ壊鍍�(ji脿)鐐篨锛�(鍗虫(bi膩o)婧�(zh菙n)浜ゅ壊鍝�锛屽彲鐞嗚В鐐哄畠鐨勮綁(zhu菐n)鎻涘洜瀛愮偤1)锛岀敤浜庡悎绱勪氦鍓茬殑鍦�(gu贸)鍌电殑杞�(zhu菐n)鎻涘洜瀛愮偤Y锛屽墖璨�(m菐i)鏂归渶瑕佹敮浠樼殑閲戦=X涔樹互Y(寰堟儭鍔ｇ殑琛ㄩ仈(d谩)寮�)

鍊�(g猫)浜烘劅瑕�(ju茅)杞�(zhu菐n)鎻涘洜瀛愮殑姒傚康鏈夐粸(di菐n)鍍忓(sh铆)鐗╀氦鍓蹭腑鐨勫崌璨兼按姒傚康銆�

7.鐭湡鍦�(gu贸)鍌电殑鍫�(b脿o)鍍�(ji脿)鑸囨垚浜ゅ児(ji脿)鐨勯棞(gu膩n)绯伙細鎴愪氦鍍�(ji脿)=闈㈠€糥銆�1-(100-鍫�(b脿o)鍍�(ji脿))/4銆�

8.闂�(gu膩n)浜�β绯绘暩(sh霉)锛�

9.閬�(yu菐n)鏈熷悎绱勫悎鐞嗗児(ji脿)鏍肩殑瑷�(j矛)绠楋細閲濆皪(du矛)鑲＄エ绲勫悎鑸囨寚鏁�(sh霉)瀹屽叏灏�(du矛)鎳�(y墨ng)(鏇�(sh奴)涓婁緥椤�)

閬�(yu菐n)鏈熷悎鐞嗗児(ji脿)鏍�=鐝�(xi脿n)鍊�+鍑堟寔鏈夋垚鏈�

=鐝�(xi脿n)鍊�+鏈熼枔鍏�(n猫i)鍒╂伅鏀跺叆-鏈熼枔鍏�(n猫i)鏀跺彇绱呭埄鐨勬湰鍒╁拰

濡傛灉瑷�(j矛)绠楀悎鐞嗗児(ji脿)鏍肩殑灏�(du矛)鎳�(y墨ng)鎸囨暩(sh霉)榛�(di菐n)鏁�(sh霉)锛屽彲閫氶亷(gu貌)姣斾緥渚�(l谩i)瑷�(j矛)绠楋細

10.鐒�(w煤)濂楀埄鍗€(q奴)闁撶殑瑷�(j矛)绠楋細鍏朵腑鍖呭惈鏈熻波鐞嗚珫鍍�(ji脿)鏍肩殑瑷�(j矛)绠�

棣栧厛锛岀劇(w煤)濂楀埄鍗€(q奴)闁撲笂鐣�=鏈熻波鐞嗚珫鍍�(ji脿)鏍�+绺戒氦鏄撴垚鏈�

鐒�(w煤)濂楀埄鍗€(q奴)闁撲笅鐣�=鏈熻波鐞嗚珫鍍�(ji脿)鏍�-绺戒氦鏄撴垚鏈�

鍏舵锛屾湡璨ㄧ悊璜栧児(ji脿)鏍�=鏈熻波鐝�(xi脿n)鍊糥銆�1+(骞村埄鎭巼-骞存寚鏁�(sh霉)鑲℃伅鐜�)X鏈熼枔闀�(zh菐ng)搴�(澶�)/365銆�

骞存寚鏁�(sh霉)鑲℃伅鐜囧氨鏄垎绱呮姌绠楀嚭渚�(l谩i)鐨勫埄鎭�

鏈€鍚庯紝绺戒氦鏄撴垚鏈�=鐝�(xi脿n)璨�(鑲＄エ)浜ゆ槗鎵嬬簩(x霉)璨�(f猫i)+鏈熻波(鑲℃寚)浜ゆ槗鎵嬬簩(x霉)璨�(f猫i)+娌栨搳鎴愭湰+鍊熻哺鍒╃巼宸�

鍊熻哺鍒╃巼宸垚鏈�=鐝�(xi脿n)璨ㄦ寚鏁�(sh霉)X鍊熻哺鍒╃巼宸甔鍊熻哺鏈熼枔(鏈�)/12

鐢变簬鍏�(n猫i)瀹圭瘒骞呴亷(gu貌)闀�(zh菐ng)锛屽闇€鏌ョ湅瀹屾暣鐗堬紝璜�(q菒ng)涓嬭級闄勪欢銆�

鏍规摎(j霉)涓湅(gu贸)鏈熻波妤�(y猫)鍗�(xi茅)鏈�(hu矛)銆�2022骞存湡璨ㄥ緸妤�(y猫)浜哄摗璩囨牸鑰冭│鍏憡(1铏�(h脿o))銆�锛�2022骞寸涓€娆�鏈熻波寰炴キ(y猫)璩囨牸鑰冭│鍫�(b脿o)鍚嶆檪(sh铆)闁撶偤5鏈�9鏃�-5鏈�15鏃�锛岀洰鍓嶈窛闆㈡湰娆¤€冭│鍫�(b脿o)鍚嶉倓鏈夊緢闀�(zh菐ng)涓€娈垫檪(sh铆)闁�锛屽鏈夎畩鍖�锛屽皬绶ㄥ缓璀拌€冪敓鍙彁鍓嶅～瀵�(xi臎) 鍏嶈不(f猫i)闋�(y霉)绱勭煭淇℃彁閱�锛屽眴鏅�(sh铆)鎴戝€戞渻(hu矛)鍙婃檪(sh铆)鎻愰啋2022骞�5鏈堟湡璨ㄥ緸妤�(y猫)璩囨牸鑰冭│鍫�(b脿o)鍚嶆檪(sh铆)闁撱€�

浠ヤ笂鍏�(n猫i)瀹圭偤鏈熻波鍩虹(ch菙)鐭ヨ瓨(sh铆)瑷�(j矛)绠楅鍏紡鐩搁棞(gu膩n)鍏�(n猫i)瀹�?锛涜洘S浣犲湪浠婂勾鍌欒€冩湡璨ㄥ緸妤�(y猫)璩囨牸鑰冭│閬�(gu貌)绋嬩腑閭勯渶瑕佷竴浜涘倷鑰冭▓(j矛)鍔�銆佹骞寸湡椤�銆侀噸榛�(di菐n)鐭ヨ瓨(sh铆)銆佹ā鎿反缈�(x铆)绛夎硣鏂�锛岄偅涔堜綘鍙互榛�(di菐n)鎿婁笅鏂�“闋�(l菒ng)鍙栬硣鏂�”鎸夐垥鍏嶈不(f猫i)涓嬭級鍗冲彲銆�