銀行金融存款的利息是多少

『壹』 鐜板湪閾惰屽瓨璐鋒懼埄鐜囨槸澶氬皯鍛

涓銆佺幇鍦ㄩ摱琛屽瓨璐鋒懼埄鐜囨槸澶氬皯鍛

涓騫存湡瀛樻懼埄鐜囷細3.25%璐鋒撅細6.31%

浜屻佸瓨嬈懼埄鎮姣旇捶嬈懼埄鎮楂橈紵

涓嶆槸榪欐牱鐨勶紝鍏堜笉璁虹粨鏋滃逛笉瀵癸紝鍗曠湅鍒╃巼灝辯煡閬撹皝楂樿皝浣庝簡錛岃捶嬈懼埄鐜3.25錛屽瓨嬈懼埄鐜2錛岃繖灝卞彲浠ョ煡閬撹捶嬈懼埄鐜囨洿楂樸傝繖涓緇撴灉鏄鏈変竴涓鐞嗚В璇宸鐨勶紝瀛樻槸50涓囨暣瀛樻暣鍙栫殑錛屽叏閮ㄩ兘鏄10騫存湡錛岃岃捶嬈懼嵈涓嶆槸榪欐牱錛屾瘡涓鏈堥兘瑕佽繕錛50涓囬噷鐨勪竴鐧句簩鍗佸垎涔嬩竴鐨勯挶錛岀浉褰撲簬鍙鍊熶簡涓涓鏈堬紝50涓囬噷涔熷彧鏈変竴鐧句簩鍗佸垎涔嬩竴鐨勯挶鍊熸弧浜10騫達紝榪欐牱灝變細灝戝緢澶氬埄鎮鐨勶紝璇宸灝卞湪榪欓噷錛岄珮浣庣湅鍒╃巼楂樹綆灝卞緢鐩存帴浜嗐

涓夈佽捶嬈懼埄鐜囧拰鍒╂伅鐨勫尯鍒

1銆佸畾涔変笉鍚屽埄鐜囷紝鏄涓瀹氭椂鏈熷唴鍒╂伅棰濅笌鍊熻捶璧勯噾棰濆嵆鏈閲戠殑姣旂巼錛岄氬父鐢ㄧ櫨鍒嗘瘮琛ㄧず銆傛牴鎹璁￠噺鐨勬湡闄愭爣鍑嗕笉鍚岋紝琛ㄧず鏂規硶鏈夊勾鍒╃巼銆佹湀鍒╃巼銆佹棩鍒╃巼銆傚埄鎮錛屾寚璐у竵鎸佹湁鑰(鍊烘潈浜)鍥犺捶鍑鴻揣甯佹垨璐у竵璧勬湰鑰屼粠鍊熸句漢(鍊哄姟浜)鎵嬩腑鑾峰緱鐨勬姤閰銆傛垨鑰呰存槸鍥犲瓨嬈俱佹斁嬈捐屽緱鍒扮殑鏈閲戜互澶栫殑閽憋紙鍖哄埆浜庘樻湰閲戔欙級銆2銆佽＄畻鍏寮忎笉鍚屽埄鎮鐜=鍒╂伅/錛堟湰閲憍鏃墮棿錛壝100%銆傚埄鎮璁＄畻鍏寮忔槸錛氬埄鎮=鏈閲懨楀埄鐜嚸楁椂闂淬傛諱箣錛屽埄鐜囧氨鏄涓涓姣斾緥錛涜屽埄鎮鏄涓涓鍏蜂綋璐у竵閲忋傚埄鐜囨槸鍗曚綅璐у竵鍦ㄥ崟浣嶆椂闂村唴鐨勫埄鎮姘村鉤銆傛嫇灞曡祫鏂欏埄鐜囨槸鎸囦竴瀹氭椂鏈熷唴鍒╂伅棰濅笌鍊熻捶璧勯噾棰濓紙鏈閲戱級鐨勬瘮鐜囥傚埄鐜囨槸鍐沖畾浼佷笟璧勯噾鎴愭湰楂樹綆鐨勪富瑕佸洜緔狅紝鍚屾椂涔熸槸浼佷笟絳硅祫銆佹姇璧勭殑鍐沖畾鎬у洜緔狅紝瀵歸噾鋙嶇幆澧冪殑鐮旂┒蹇呴』娉ㄦ剰鍒╃巼鐜扮姸鍙婂叾鍙樺姩瓚嬪娍銆傚埄鐜囨槸鎸囧熸俱佸瓨鍏ユ垨鍊熷叆閲戦濓紙縐頒負鏈閲戞婚濓級涓姣忎釜鏈熼棿鍒版湡鐨勫埄鎮閲戦濅笌紲ㄩ潰浠峰肩殑姣旂巼銆傚熷嚭鎴栧熷叆閲戦濈殑鎬誨埄鎮鍙栧喅浜庢湰閲戞婚濄佸埄鐜囥佸嶅埄棰戠巼銆佸熷嚭銆佸瓨鍏ユ垨鍊熷叆鐨勬椂闂撮暱搴︺傚埄鐜囨槸鍊熸句漢闇鍚戝叾鎵鍊熼噾閽辨墍鏀浠樼殑浠ｄ環錛屼害鏄鏀炬句漢寤惰繜鍏舵秷璐癸紝鍊熺粰鍊熸句漢鎵鑾峰緱鐨勫洖鎶ャ傚埄鐜囬氬父浠ヤ竴騫存湡鍒╂伅涓庢湰閲戠殑鐧懼垎姣旇＄畻銆備竴鑸鏉ヨ達紝鍒╃巼鏍規嵁璁￠噺鐨勬湡闄愭爣鍑嗕笉鍚岋紝琛ㄧず鏂規硶鏈夊勾鍒╃巼銆佹湀鍒╃巼銆佹棩鍒╃巼銆傜幇浠ｇ粡嫻庝腑錛屽埄鐜囦綔涓鴻祫閲戠殑浠鋒牸錛屼笉浠呭彈鍒扮粡嫻庣ぞ浼氫腑璁稿氬洜緔犵殑鍒剁害錛岃屼笖錛屽埄鐜囩殑鍙樺姩瀵規暣涓緇忔祹浜х敓閲嶅ぇ鐨勫獎鍝嶏紝鍥犳わ紝鐜頒唬緇忔祹瀛﹀跺湪鐮旂┒鍒╃巼鐨勫喅瀹氶棶棰樻椂錛岀壒鍒閲嶈嗗悇縐嶅彉閲忕殑鍏崇郴浠ュ強鏁翠釜緇忔祹鐨勫鉤琛￠棶棰橈紝鍒╃巼鍐沖畾鐞嗚轟篃緇忓巻浜嗗彜鍏稿埄鐜囩悊璁恆佸嚡鎮╂柉鍒╃巼鐞嗚恆佸彲璐瘋祫閲戝埄鐜囩悊璁恆両S錛峀M鍒╃巼鍒嗘瀽浠ュ強褰撲唬鍔ㄦ佺殑鍒╃巼妯″瀷鐨勬紨鍙樸佸彂灞曡繃紼嬨1銆佸埄鎮鐨勫氬皯鍙栧喅浜庝笁涓鍥犵礌錛氭湰閲戙佸瓨鏈熷拰鍒╂伅鐜囨按騫熾傝＄畻鍏寮忔湁錛氾紙1錛夊埄鎮錛堝勾錛=鏈閲懨楀勾鍒╃巼錛堢櫨鍒嗘暟錛壝楀瓨鏈燂紱鎴栧埄鎮=鏈閲懨楀埄鐜嚸楁椂闂淬傦紙2錛夊瓨嬈懼埄鎮=鏈閲懨楀ぉ鏁懊楁寕鐗屽埄鎮(鏃ュ埄鐜囷級=璁℃伅澶╂暟脳鏃ュ埄鐜囥傦紙3錛夊埄鎮紼=瀛樻懼埄鎮(搴旂即綰蟲墍寰楃◣棰)脳閫傜敤紼庣巼銆2銆佸獎鍝嶅埄鎮鐜囩殑鍥犵礌錛氫富瑕佹湁璧勬湰鐨勮竟闄呯敓浜у姏鎴栬祫鏈鐨勪緵奼傚叧緋匯傛ゅ栬繕鏈夋壙璇轟氦浠樿揣甯佺殑鏃墮棿闀垮害浠ュ強鎵鎵挎媴椋庨櫓鐨勭▼搴︺傚埄鎮鐜囨斂絳栨槸瀹忚傝揣甯佹斂絳栫殑涓昏佹帾鏂斤紝鏀垮簻涓轟簡騫查勭粡嫻庯紝鍙閫氳繃鍙樺姩鍒╂伅鐜囩殑鍔炴硶鏉ラ棿鎺ヨ皟鑺傚浗鍐呴氳揣鑶ㄨ儉姘村鉤銆

『貳』 鐜板湪閾惰岀殑瀛樻懼埄鎮鏄澶氬皯錛熷悇琛屽瓨嬈懼埄鐜囨竻鍗

鍦ㄥ叕浼楃湅鏉ワ紝閾惰屾槸涓涓闈炲父鍙淇＄殑閲戣瀺鏈烘瀯錛屽洜涓洪摱琛屾彁鍓嶅湪涓鍥介摱琛屼笟鐩戠潱綆＄悊濮斿憳浼氬囨堬紝鍙鏈夐摱琛屼笟鐩戠潱綆＄悊濮斿憳浼氶氳繃鐢ㄦ埛鍦ㄩ摱琛屽瓨嬈句篃闈炲父瀹夊叏銆備互涓嬫槸閾惰屽瓨嬈懼埄鎮鐨勭浉鍏沖唴瀹廣
鍚勫ぇ閾惰屽瓨嬈懼埄鐜囨竻鍗
1.鍩哄噯鍒╃巼:1騫村埄鐜囦負1.5%錛2騫村埄鐜2.1%錛3騫村埄鐜2.75%錛
2.涓鍥介摱琛:1騫村埄鐜囦負1.2騫村埄鐜囦負75%.涓夊勾鍒╃巼25%.75%錛5騫村埄鐜2.75%錛
3.寤鴻鵑摱琛:1騫村埄鐜囦負1.2騫村埄鐜囦負75%.涓夊勾鍒╃巼25%.75%錛5騫村埄鐜2.75%錛
4.宸ュ晢閾惰:1騫村埄鐜囦負1.2騫村埄鐜囦負75%.25%錛3騫村埄鐜囦負2.75%錛5騫村埄鐜2.75%錛
5.鍐滀笟閾惰:1騫村埄鐜囦負1.2騫村埄鐜囦負75%.涓夊勾鍒╃巼25%.75%錛5騫村埄鐜2.75%錛
6.閭鏀垮偍钃勯摱琛屽勾鍒╃巼涓1.2騫村埄鐜78%.涓夊勾鍒╃巼25%.75%錛5騫村埄鐜2.75%錛
7.浜ら氶摱琛:1騫村埄鐜囦負1.2騫村埄鐜囦負75%.涓夊勾鍒╃巼25%.75%錛5騫村埄鐜2.75%錛
8銆佹嫑鍟嗛摱琛岋細1騫村埄鐜囦負1.2騫村埄鐜囦負75%.涓夊勾鍒╃巼25%.75%錛5騫村埄鐜2.75%錛
9.涓婃搗閾惰:1騫村埄鐜囦負1.2騫村埄鐜囦負95%.4%錛3騫村埄鐜2.75%錛5騫村埄鐜2.75%錛
鍏夊ぇ閾惰岋細1騫村埄鐜囦負10.2騫村埄鐜囦負95%.41%錛3騫村埄鐜2.75%錛5騫村埄鐜3%錛
11.嫻﹀彂閾惰:1騫村埄鐜囦負1.2騫村埄鐜囦負95%.4%錛3騫村埄鐜2.8%錛5騫村埄鐜2.8%錛
12.騫沖畨閾惰:1騫村埄鐜囦負1.2騫村埄鐜囦負95%.5%錛3騫村埄鐜2.8%錛5騫村埄鐜2.8%錛
13銆佸畞娉㈤摱琛岋細1騫村埄鐜囦負2%錛2騫村埄鐜囦負2.4%錛3騫村埄鐜2.8%錛5騫村埄鐜3.25%錛
14.涓淇￠摱琛:1騫村埄鐜囦負1.2騫村埄鐜囦負95%.3%錛3騫村埄鐜2.75%錛5騫村埄鐜2.75%錛
15.姘戠敓閾惰:1騫村埄鐜囦負1.2騫村埄鐜囦負95%.35%錛3騫村埄鐜2.8%錛5騫村埄鐜2.8%錛
16.騫垮彂閾惰:1騫村埄鐜囦負1.2騫村埄鐜囦負95%.4%錛3騫村埄鐜3.1%錛5騫村埄鐜3.2%錛
17銆佸崕澶忛摱琛岋細1騫村埄鐜囦負1.2騫村埄鐜囦負95%.4%錛3騫村埄鐜3.1%錛5騫村埄鐜3.2%錛
18銆佸伐涓氶摱琛屽埄鐜囦負1.2騫村埄鐜囦負95%.75%錛3騫村埄鐜3.2%錛5騫村埄鐜囦負3.2%錛
19.鍖椾含閾惰:1騫村埄鐜囦負1.2騫村埄鐜囦負95%.5%錛3騫村埄鐜3.5騫村埄鐜囦負35%.15%錛
20.鍚夋灄閾惰:1騫村埄鐜囦負1.2騫村埄鐜囦負95%.52%錛3騫村埄鐜3.3%錛5騫村埄鐜3.6%錛
21.涓滆帪閾惰:涓騫村埄鐜2.2騫村埄鐜囦負2025%.52%錛3騫村埄鐜囦負3.5騫村埄鐜囦負3025%.25%錛
22.鍗椾含閾惰:1騫村埄鐜囦負1.9%錛2騫村埄鐜2.52%錛3騫村埄鐜3.5騫村埄鐜囦負35%.3%錛
23.奼熻嫃閾惰:1騫村埄鐜囦負1.2騫村埄鐜囦負92%.52%錛3騫村埄鐜囦負3.1%錛5騫村埄鐜3.15%錛
24.榻愰瞾閾惰:1騫村埄鐜囦負1.2騫村埄鐜囦負875%.52%錛3騫村埄鐜3.3%錛5騫村埄鐜3.6%錛
25.寰藉晢閾惰:1騫村埄鐜囦負1.2騫村埄鐜囦負95%.5%錛3騫村埄鐜3.5騫村埄鐜囦負35%.25%錛
26.娌沖寳閾惰:涓騫村埄鐜2.25%錛2騫村埄鐜25%.3騫村埄鐜73%.3%錛5騫村埄鐜3.3%錛
27.闀挎矙閾惰:涓騫村埄鐜2.2騫村埄鐜囦負2025%.835%錛3騫村埄鐜3.575%錛5騫村埄鐜3.705%錛
28.瑗垮畨閾惰:涓騫村埄鐜2.2騫村埄鐜囦負2025%.52%錛3騫村埄鐜3.3%錛5騫村埄鐜3.6%錛
29.閲嶅簡閾惰:1騫村埄鐜2%錛2騫村埄鐜2%.52%錛3騫村埄鐜3.3%錛5騫村埄鐜4.3%錛
30.奼夊彛閾惰:涓騫村埄鐜2.25%錛2騫村埄鐜囦負2.8%錛3騫村埄鐜3.5騫村埄鐜囦負35%.75%錛
31.嫻峰場閾惰:1騫村埄鐜2.1%錛2騫村埄鐜2.9%錛3騫村埄鐜3.85%錛5騫村埄鐜4%錛
32.榫欐睙閾惰:1騫村埄鐜囦負1.2騫村埄鐜囦負95%.3騫村埄鐜73%.575%錛5騫村埄鐜3.9%銆
鏈鏂囦富瑕佸啓鐨勬槸閾惰屽瓨嬈懼埄鎮鐨勭浉鍏崇煡璇嗙偣錛屼粎渚涘弬鑰冦

『叄』 鍐滄潙淇＄敤紺劇殑瀛樻懼埄鐜囧氬皯錛

鍐滄潙淇＄敤紺懼瓨嬈懼埄鐜囧備笅錛

瀹氭湡瀛樻撅細

1銆佹暣瀛樻暣鍙栦笁涓鏈286%銆佸崐騫308%銆佷竴騫330%銆佷簩騫375%銆佷笁騫425%銆佷簲騫475%銆

2銆侀浂瀛樻暣鍙栥佹暣瀛橀浂鍙栥佸瓨鏈鍙栨伅涓騫286%銆佷笁騫308%銆佷簲騫330%銆

3銆佸畾媧諱袱渚挎寜涓騫翠互鍐呭畾鏈熸暣瀛樻暣鍙栧悓妗ｆ″埄鐜囨墦6鎶樸

鍐滄潙淇＄敤紺懼瓨1涓囦竴騫村埄鎮澶氬皯璁＄畻鏂規硶錛氫俊鐢ㄧぞ瀹氭湡涓騫寸殑鍒╃巼鏄425%;騫村埄鎮=鏈閲憍鍒╃巼x騫撮檺=10000x425%x1=615x1=425鍏冦備俊鐢ㄧぞ瀛樻1涓囧瓨涓騫村瓨嬈懼埄鎮鏄425鍏冦

濡傛灉鏄鏁村瓨鏁村彇錛10涓囧瓨瀹氭湡3騫達紝鍩哄噯騫村瓨嬈懼埄鐜囨槸425%錛屽傛灉鏄闆跺瓨鏁村彇錛屽垯鍩哄噯騫村瓨嬈懼埄鐜囨槸29%錛屼漢姘戦摱琛岃勫畾錛屽晢涓氶摱琛屽彲鏍規嵁甯傚満鎯呭喌鍦ㄥ熀鍑嗗埄鐜囧熀紜涓婁笂璋冨瓨嬈懼埄鐜10%錛屾墍浠ヤ綘鏁村瓨鏁村彇瀹氬瓨3騫寸殑鏈楂樺勾鍒╃巼鍙浠ヨ揪鍒4675%錛屼竴鑸鏄鏉戦晣閾惰屾垨鑰呭栧湴鍦ㄦ湰甯傚煄甯傚晢涓氭墽琛岃繖涓鍒╃巼銆

鍐滄潙淇＄敤紺撅紝瀹氭湡涓夊勾騫村埄鐜囨槸錛425%1涓囧厓瀛樹笁騫村畾鏈燂紝鍒版湡鍙寰楀埄鎮錛10000脳425%脳3=1275(鍏)

鍐滄潙淇＄敤紺懼瓨嬈懼埄鐜囨槸澶氬皯

鍐滄潙淇＄敤紺2022騫村畾鏈熷瓨嬈懼埄鐜囷細

鏁村瓨鏁村彇涓変釜鏈286%銆佸崐騫308%銆佷竴騫330%銆佷簩騫375%銆佷笁騫425%銆佷簲騫475%銆

闆跺瓨鏁村彇銆佹暣瀛橀浂鍙栥佸瓨鏈鍙栨伅涓騫286%銆佷笁騫308%銆佷簲騫330%銆

瀹氭椿涓や究鎸変竴騫翠互鍐呭畾鏈熸暣瀛樻暣鍙栧悓妗ｆ″埄鐜囨墦6鎶樸

鍐滄潙淇＄敤紺懼畾鏈熷瓨嬈句笂嫻鍒╃巼錛氫笁涓鏈1485%錛屽叚涓鏈1755%錛屼竴騫2025%錛屼簩騫存湡2835%錛屼笁騫存湡3712%錛屼簲騫存湡405%銆傚瓨嬈懼埄鐜囨槸涓瀹氭椂鏈熷唴鍒╂伅鐨勬暟棰濆悓瀛樻鵑噾棰濈殑姣旂巼銆備害縐板瓨嬈懼埄鎮鐜囥傛槸璁＄畻瀛樻懼埄鎮鐨勬爣鍑嗐傛湁騫村埄鐜囷紝鏈堝埄鐜囷紝鏃ュ埄鐜(浜︾О騫存伅鐜囥佹湀鎮鐜囥佹棩鎮鐜)銆傚勾鍒╃巼鎸夋湰閲戠殑鐧懼垎涔嬪嚑琛ㄧず錛屾湀鍒╃巼鎸夋湰閲戠殑鍗冨垎涔嬪嚑琛ㄧず;鏃ュ埄鐜囨寜鏈閲戠殑涓囧垎涔嬪嚑琛ㄧず銆備腑鍥戒範鎯縐板埄鐜囦負鍑犲帢鍑犳銆傚瓨嬈懼埄鐜囨槸閾惰屽惛鏀跺瓨嬈劇殑涓涓緇忔祹鏉犳潌錛屼篃鏄褰卞搷閾惰屾垚鏈鐨勪竴涓閲嶈佸洜緔犮備腑鍥界殑瀛樻懼埄鐜囨槸鍥藉舵牴鎹瀹㈣傜粡嫻庢潯浠躲佽揣甯佹祦閫氬強甯傚満鐗╄祫渚涙眰絳夋儏鍐碉紝騫跺吋欏懼悇鏂瑰埄鐩婏紝鏈夎″垝鍦扮『瀹氱殑銆

閾惰屽瓨嬈句竴鑸鍖呮嫭瀛樻懼埄鐜囧拰瀹氭湡瀛樻懼埄鐜囥備互涓嬫槸鍌ㄨ搫浜掑姪紺劇殑鍒╃巼:

1瀛樻懼埄鐜:鍐滄潙淇＄敤紺炬椿鏈熷瓨嬈懼勾鍒╃巼涓035%銆

2瀹氭湡瀛樻:涓変釜鏈154%錛涘叚涓鏈堜負182%錛涗竴騫存槸225%錛涗袱騫翠負285%錛涗笁騫翠負30%錛涗簲騫存槸310%銆

鎵╁睍淇℃伅:

瀛樻懼埄鐜囨槸璁＄畻瀛樻懼埄鎮鐨勬爣鍑嗐傚畠鏄鎸囦竴瀹氭椂鏈熷唴鍒╂伅閲戦濅笌瀛樻鵑噾棰濈殑姣斿礆紝涔熺О涓哄瓨嬈懼埄鐜囥

鍒╃巼鏄閾惰屽惛鏀跺瓨嬈劇殑緇忔祹鏉犳潌錛屼篃鏄褰卞搷閾惰屾垚鏈鐨勯噸瑕佸洜緔犮傛垜鍥界殑瀛樻懼埄鐜囨槸鍥藉舵牴鎹瀹㈣傜粡嫻庢潯浠躲佽揣甯佹祦閫氥佸競鍦虹墿璧勪緵奼傜姸鍐碉紝鍏奸【鍚勬柟鍒╃泭錛屾湁璁″垝鍦扮『瀹氱殑銆

2015騫10鏈23鏃ワ紝涓鍥戒漢姘戦摱琛屽ｅ竷闄嶆伅鍜孯RR銆傚悓鏃舵槑紜涓嶅啀瀵瑰晢涓氶摱琛屽拰鍐滄潙鍚堜綔閲戣瀺鏈烘瀯璁懼畾瀛樻懼埄鐜囦笂闄愩傝嚦姝わ紝鍒╃巼綆″埗鍩烘湰鍙栨秷錛屽埄鐜囧競鍦哄寲鏀歸潻榪涘叆鏂伴樁孌點

瀛樻懼埄鐜囧崟浣嶄負騫村埄鐜囥佹湀鍒╃巼銆佹棩鍒╃巼(涔熺О騫村埄鐜囥佹湀鍒╃巼銆佹棩鍒╃巼)銆傚勾鍒╃巼鐢ㄦ湰閲戠殑鐧懼垎涔嬪嚑琛ㄧず錛屾湀鎮鐢ㄦ湰閲戠殑鍗冨垎涔嬪嚑琛ㄧず錛涙棩鍒╃巼琛ㄧず涓烘湰閲戠殑涓囧垎涔嬪嚑銆備腑鍥戒範鎯鎶婂埄鐜囧彨鍋氬嚑鍒嗛挶銆

2021騫6鏈21鏃ワ紝閮ㄥ垎閾惰屽皢鏍規嵁鍒╃巼綆＄悊瑕佹眰涓嬭皟涓ゅ勾鏈熷拰涓夊勾鏈熷瓨鍗曚駭鍝佸埄鐜囥

鍒╂伅紼庡嬩簬1950騫達紝褰撴椂棰佸竷鐨勩婂埄鎮鎵寰楃◣鏉′緥銆嬭勫畾錛屽瑰瓨嬈懼埄鎮寰佹敹10%(鍚庡噺涓5%)鐨勬墍寰楃◣銆1959騫村埄鎮紼庢殏鍋滃緛鏀訛紝1999騫11鏈1鏃ュ啀嬈″緛鏀躲

1999騫11鏈1鏃ヤ互鍓嶇Н緔鐨勫偍钃勫埄鎮鏀跺叆錛屼笉寰佹敹涓浜烘墍寰楃◣錛

瀵1999騫11鏈1鏃ヨ嚦2007騫8鏈14鏃ユ湡闂村偍钃勪駭鐢熺殑鍒╂伅鏀跺叆錛屾寜20%鐨勬瘮渚嬬◣鐜囧緛鏀朵釜浜烘墍寰楃◣錛

瀵2007騫8鏈15鏃ヨ嚦2008騫10鏈8鏃ユ湡闂村偍钃勪駭鐢熺殑鍒╂伅鏀跺叆錛屾寜5%鐨勬瘮渚嬬◣鐜囧緛鏀朵釜浜烘墍寰楃◣銆

瀵2008騫10鏈9鏃(鍚)浠ュ悗鍌ㄨ搫浜х敓鐨勫埄鎮鏀跺叆錛屾殏鍋滃緛鏀朵釜浜烘墍寰楃◣銆

涓浜烘椿鏈熷瓨嬈炬瘡瀛ｅ害鏈鍚庝竴涓鏈堢殑20鏃ユ眹綆楁竻緙翠竴嬈★紝2008騫10鏈9鏃ュ墠浜х敓鐨勫埄鎮鏀跺叆錛屽噺鎸5%鐨勭◣鐜囧緛鏀朵釜浜烘墍寰楃◣銆

『肆』 閾惰屽瓨嬈懼埄鎮鏄澶氬皯錛

1銆佸埄鎮騫村寲7.2鍗寵繖涓騫村埄鐜囦負7.2%銆傚嵆濡傛灉浣10000鍏冨瓨涓騫達紝涓騫村悗鍙栨湰閲10000鍔犲埄鎮10000*7.2%=720鍏冨叡10720鍏冦
2銆佸勾鍖栧埄鎮7.2涔熷彲浠ヨ繖鏍風悊瑙ｃ備竴騫12涓鏈堛傝繖12涓鏈堢殑鍒╂伅鍏辮7.2錛屽嵆姣忔湀鍒╂伅7.2/12=0.6錛岃繖涓0.6涓0.6%銆傚嵆100鍏冨埄鎮0.6鍏
3銆佸傛灉瀛10000錛屽勾鍖栧埄鎮7.2.閭ｆ瘡鏈堝彲寰楀埄鎮涓猴紝10000*錛7.2/12錛%=60鍏冿紝鍗蟲瘡騫村埄鎮12*60=720鍏
4銆佸勾鍒╃巼銆佹湀鍒╃巼鍜屾棩鍒╃巼杞鎹㈠叕寮忥細 鏈堝埄鐜=騫村埄鐜/12錛屽勾鍒╃巼=鏈堝埄鐜*12銆
5銆佸勾鍒╃巼鎸夋湰閲戠殑鐧懼垎涔嬪嚑錛%錛夎〃紺猴紝鏈堝埄鐜囨寜鍗冨垎涔嬪嚑錛堚幫級琛ㄧず錛屾瘮鏂硅村勾鍒╃巼鏄7.05%錛屾崲綆楁垚鏈堝埄鐜囧氨鏄7.05%/12=5.875鈥般
鎷撳睍璧勬枡錛
璐鋒懼埄鎮錛屾槸鎸囪捶嬈句漢鍥犱負鍙戝嚭璐у竵璧勯噾鑰屼粠鍊熸句漢鎵嬩腑鑾峰緱鐨勬姤閰錛屼篃鏄鍊熸句漢浣跨敤璧勯噾蹇呴』鏀浠樼殑浠ｄ環銆 閾惰岃捶嬈懼埄鐜囨槸鎸囧熸炬湡闄愬唴鍒╂伅鏁伴濅笌鏈閲戦濈殑姣斾緥銆備互閾惰岀瓑閲戣瀺鏈烘瀯涓哄嚭鍊熶漢鐨勫熸懼悎鍚岀殑鍒╃巼紜瀹氾紝褰撲簨浜哄彧鑳藉湪涓鍥介摱琛岃勫畾鐨勫埄鐜囦笂涓嬮檺鐨勮寖鍥村唴榪涜屽崗鍟嗐傝捶嬈懼埄鐜囬珮錛屽垯鍊熸炬湡闄愬悗鍊熸炬柟榪樻鵑噾棰濇彁楂橈紝鍙嶄箣錛屽垯闄嶄綆銆傚喅瀹氳捶嬈懼埄鎮鐨勪笁澶у洜緔:璐鋒鵑噾棰濄佽捶嬈炬湡闄愩佽捶嬈懼埄鐜囥
璁＄畻鏂瑰紡
(涓)浜烘皯甯佷笟鍔＄殑鍒╃巼鎹㈢畻鍏寮忎負錛堟敞錛氬瓨璐烽氱敤錛夛細
1.鏃ュ埄鐜(0/000)=騫村埄鐜(%)梅360=鏈堝埄鐜(鈥)梅30
2.鏈堝埄鐜(鈥)=騫村埄鐜(%)梅12
(浜)閾惰屽彲閲囩敤縐鏁拌℃伅娉曞拰閫愮瑪璁℃伅娉曡＄畻鍒╂伅銆
1.縐鏁拌℃伅娉曟寜瀹為檯澶╂暟姣忔棩緔璁¤處鎴蜂綑棰濓紝浠ョ瘡璁＄Н鏁頒箻浠ユ棩鍒╃巼璁＄畻鍒╂伅銆傝℃伅鍏寮忎負錛
鍒╂伅=緔璁¤℃伅縐鏁懊楁棩鍒╃巼錛屽叾涓緔璁¤℃伅縐鏁=姣忔棩浣欓濆悎璁℃暟銆
2.閫愮瑪璁℃伅娉曟寜棰勫厛紜瀹氱殑璁℃伅鍏寮忓埄鎮=鏈閲懨楀埄鐜嚸楄捶嬈炬湡闄愰愮瑪璁＄畻鍒╂伅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
鈶犲埄鎮=鏈閲懨楀勾(鏈)鏁懊楀勾(鏈)鍒╃巼
璁℃伅鏈熸湁鏁村勾(鏈)鍙堟湁闆跺ご澶╂暟鐨勶紝璁℃伅鍏寮忎負錛
鈶″埄鎮=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嗗疄闄呭ぉ鏁幫紝璁℃伅鍏寮忎負錛
鈶㈠埄鎮=鏈閲懨楀疄闄呭ぉ鏁懊楁棩鍒╃巼
榪欎笁涓璁＄畻鍏寮忓疄璐ㄧ浉鍚岋紝浣嗙敱浜庡埄鐜囨崲綆椾腑涓騫村彧浣360澶╋紝浣嗗疄闄呮寜鏃ュ埄鐜囪＄畻鏃訛紝涓騫村皢浣365澶╄＄畻錛屽緱鍑虹殑緇撴灉浼氱◢鏈夊嚲宸銆傚叿浣撻噰鐢ㄩ偅涓涓鍏寮忚＄畻錛屽ぎ琛岃祴浜堜簡閲戣瀺鏈烘瀯鑷涓婚夋嫨鐨勬潈鍒┿傚洜姝わ紝褰撲簨浜哄拰閲戣瀺鏈烘瀯鍙浠ュ氨姝ゅ湪鍚堝悓涓綰﹀畾銆