Ò×·½´ïÖÐÖ¤ÍòµÃÉúÎï¿Æ¼¼Ö¸Êý֤ȯͶ×Ê»ù½ð£¨LOF£©¿ª·ÅÈÕ³£Éê
¹º¡¢Êê»Ø¡¢×ª»»ºÍ¶¨ÆÚ¶¨¶îͶ×ÊÒµÎñµÄ¹«¸æ
¹«¸æËͳöÈÕÆÚ£º2020Äê12ÔÂ2ÈÕ
1.¹«¸æ»ù±¾ÐÅÏ¢
»ù½ðÃû³Æ Ò×·½´ïÖÐÖ¤ÍòµÃÉúÎï¿Æ¼¼Ö¸Êý֤ȯͶ×Ê»ù½ð£¨LOF£©
»ù½ð¼ò³Æ Ò×·½´ïÖÐÖ¤ÍòµÃÉúÎï¿Æ¼¼Ö¸Êý£¨LOF£©
»ù½ðÖ÷´úÂë 161122
»ù½ðÔË×÷·½Ê½ ÆõÔ¼ÐÍ¿ª·Åʽ
»ù½ðºÏͬÉúЧÈÕ 2020Äê12ÔÂ3ÈÕ
»ù½ð¹ÜÀíÈËÃû³Æ Ò×·½´ï»ù½ð¹ÜÀíÓÐÏÞ¹«Ë¾
»ù½ðÍйÜÈËÃû³Æ Öйú½¨ÉèÒøÐйɷÝÓÐÏÞ¹«Ë¾
»ù½ð×¢²áµÇ¼Ç»ú¹¹Ãû³Æ AÀà»ù½ð·Ý¶î£ºÖйú֤ȯµÇ¼Ç½áËãÓÐÏÞÔðÈι«Ë¾ CÀà»ù½ð·Ý¶î£ºÒ×·½´ï»ù½ð¹ÜÀíÓÐÏÞ¹«Ë¾
¹«¸æÒÀ¾Ý ¡¶Ò×·½´ïÖÐÖ¤ÍòµÃÉúÎï¿Æ¼¼Ö¸Êý֤ȯͶ×Ê»ù½ð£¨LOF£©»ù½ðºÏͬ¡·£¨ÒÔϼò³Æ¡°¡¶»ù½ðºÏͬ¡·¡±£©¡¶Ò×·½´ïÖÐÖ¤ÍòµÃÉúÎï¿Æ¼¼Ö¸Êý֤ȯͶ×Ê»ù½ð£¨LOF£©ÕÐļ˵Ã÷Êé¡·£¨ÒÔϼò³Æ¡°¡¶ÕÐļ˵Ã÷Êé¡·¡±£©
É깺ÆðʼÈÕ 2020Äê12ÔÂ3ÈÕ
Êê»ØÆðʼÈÕ 2020Äê12ÔÂ3ÈÕ
ת»»×ªÈëÆðʼÈÕ 2020Äê12ÔÂ3ÈÕ
ת»»×ª³öÆðʼÈÕ 2020Äê12ÔÂ3ÈÕ
¶¨ÆÚ¶¨¶îͶ×ÊÆðʼÈÕ 2020Äê12ÔÂ3ÈÕ
ÏÂÊô·Ö¼¶»ù½ðµÄ»ù½ð¼ò³Æ Ò×·½´ïÖÐÖ¤ÍòµÃÉúÎï¿Æ¼¼Ö¸Êý£¨LOF£©A Ò×·½´ïÖÐÖ¤ÍòµÃÉúÎï¿Æ¼¼Ö¸Êý£¨LOF£©C
ÏÂÊô·Ö¼¶»ù½ðµÄ½»Ò×´úÂë 161122 010572
¸Ã·Ö¼¶»ù½ðÊÇ·ñ¿ª·ÅÉ깺¡¢Êê»Ø¡¢×ª»»¡¢¶¨ÆÚ¶¨¶îͶ×Ê ÊÇ ÊÇ
×¢£º£¨1£©Ò×·½´ïÖÐÖ¤ÍòµÃÉúÎï¿Æ¼¼Ö¸Êý֤ȯͶ×Ê»ù½ð£¨LOF£©£¨ÒÔϼò³Æ¡°±¾»ù½ð¡±£©
ÓÉÒ×·½´ïÉúÎï¿Æ¼¼Ö¸Êý·Ö¼¶Ö¤È¯Í¶×Ê»ù½ð±ä¸ü×¢²á¶øÀ´¡£×Ô2020Äê12ÔÂ3ÈÕÆð
ÔöÉèCÀà»ù½ð·Ý¶î£¬Í¬Ê±Ò×·½´ïÉúÎï¿Æ¼¼Ö¸Êý·Ö¼¶Ö¤È¯Í¶×Ê»ù½ðԷݶî±ä¸üΪA
Àà»ù½ð·Ý¶î£¨³¡ÄÚ¼ò³Æ¡°ÉúÎï¿Æ¼¼¡±£©£¬²¢×Ô2020Äê12ÔÂ3ÈÕÆ𿪷ű¾»ù½ð¸÷Àà
»ù½ð·Ý¶îµÄÉ깺¡¢Êê»Ø¡¢×ª»»ºÍ¶¨ÆÚ¶¨¶îͶ×ÊÒµÎñ¡£ÔöÉèCÀà»ù½ð·Ý¶îºó£¬±¾»ù
½ð°üÀ¨AÀà»ù½ð·Ý¶îºÍCÀà»ù½ð·Ý¶î¡£
£¨2£©±¾»ù½ð¸÷Àà»ù½ð·Ý¶îµÄÉ깺¡¢Êê»Ø¼Û¸ñÒÔÉêÇëµ±ÈÕÊÕÊкó¼ÆËãµÄ¸÷Àà»ù½ð
·Ý¶î¾»ÖµÎª»ù×¼½øÐмÆË㣬CÀà»ù½ð·Ý¶îÊ×±ÊÉ깺µ±ÈÕµÄÉ깺¼Û¸ñΪµ±ÈÕAÀà»ù
½ð·Ý¶îµÄ»ù½ð·Ý¶î¾»Öµ¡£
2.ÈÕ³£É깺¡¢Êê»Ø¡¢×ª»»ºÍ¶¨ÆÚ¶¨¶îͶ×ÊÒµÎñµÄ°ìÀíʱ¼ä
£¨1£©Í¶×ÊÕßÔÚ¿ª·ÅÈÕ°ìÀí±¾»ù½ðÉ깺¡¢Êê»Ø¡¢×ª»»»ò¶¨ÆÚ¶¨¶îͶ×Ê£¬¾ßÌå
°ìÀíʱ¼äΪÉϺ£Ö¤È¯½»Ò×Ëù¡¢ÉîÛÚ֤ȯ½»Ò×ËùµÄÕý³£½»Ò×ÈյĽ»Ò×ʱ¼ä£¬»ù½ð¹Ü
ÀíÈ˸ù¾Ý·¨ÂÉ·¨¹æ¡¢ÖйúÖ¤¼à»áµÄÒªÇó»ò¡¶»ù½ðºÏͬ¡·µÄ¹æ¶¨¹«¸æÔÝÍ£É깺¡¢Êê
»Ø¡¢×ª»»»ò¶¨ÆÚ¶¨¶îͶ×Êʱ³ýÍâ¡£
Èô³öÏÖеÄ֤ȯ½»Ò×Êг¡¡¢Ö¤È¯½»Ò×Ëù½»Ò×ʱ¼ä±ä¸ü¡¢ÆäËûÌØÊâÇé¿ö»ò¸ù¾Ý
ÒµÎñÐèÒª£¬»ù½ð¹ÜÀíÈËÓÐȨÊÓÇé¿ö¶ÔÇ°Êö¿ª·ÅÈÕ¼°¿ª·Åʱ¼ä½øÐÐÏàÓ¦µÄµ÷Õû£¬µ«
Ó¦ÔÚʵʩǰÒÀÕÕ¡¶¹«¿ªÄ¼¼¯Ö¤È¯Í¶×Ê»ù½ðÐÅÏ¢Åû¶¹ÜÀí°ì·¨¡·£¨ÒÔϼò³Æ¡°¡¶ÐÅÏ¢
Åû¶°ì·¨¡·¡±£©µÄÓйع涨Ôڹ涨ý½éÉϹ«¸æ¡£
£¨2£©»ù½ð¹ÜÀíÈ˲»µÃÔÚ¡¶»ù½ðºÏͬ¡·Ô¼¶¨Ö®ÍâµÄÈÕÆÚ»òÕßʱ¼ä°ìÀíÉ깺»ò
ÕßÊê»Ø»òÕßת»»»òÕ߶¨ÆÚ¶¨¶îͶ×Ê¡£Í¶×ÊÕßÔÚ¡¶»ù½ðºÏͬ¡·Ô¼¶¨Ö®ÍâµÄÈÕÆÚºÍʱ
¼äÌá³öÉ깺¡¢Êê»Ø¡¢×ª»»»ò¶¨ÆÚ¶¨¶îͶ×ÊÉêÇëÇÒ×¢²áµÇ¼Ç»ú¹¹È·ÈϽÓÊܵģ¬Æä»ù
½ð·Ý¶îÉ깺¡¢Êê»Ø¡¢×ª»»»ò¶¨ÆÚ¶¨¶îͶ×ʼ۸ñΪÏÂÒ»¿ª·ÅÈÕ¸ÃÀà±ð»ù½ð·Ý¶îÉ깺¡¢
Êê»Ø¡¢×ª»»»ò¶¨ÆÚ¶¨¶îͶ×ʵļ۸ñ¡£
3.ÈÕ³£É깺ҵÎñ
3.1É깺½ð¶îÏÞÖÆ
£¨1£©Í¶×ÊÕß°ìÀí±¾»ù½ð³¡ÍâÉ깺AÀà»ù½ð·Ý¶î¡¢CÀà»ù½ð·Ý¶îʱ£¬Í¨¹ý³¡
Íâ·ÇÖ±ÏúÏúÊÛ»ú¹¹»ò±¾¹«Ë¾ÍøÉÏÖ±ÏúϵͳÊ×´ÎÉ깺µÄµ¥±Ê×îµÍ½ð¶îΪ1ÔªÈËÃñ
±Ò£¬×·¼ÓÉ깺µ¥±Ê×îµÍ½ð¶îΪ1ÔªÈËÃñ±Ò£»Í¶×ÊÕßͨ¹ý±¾¹«Ë¾Ö±ÏúÖÐÐÄÊ×´ÎÉ깺
µÄµ¥±Ê×îµÍ½ð¶îΪ50,000ÔªÈËÃñ±Ò£¬×·¼ÓÉ깺µ¥±Ê×îµÍ½ð¶îΪ1,000ÔªÈËÃñ±Ò¡£
Ͷ×ÊÕßͨ¹ý±¾»ù½ð³¡ÄÚÏúÊÛ»ú¹¹É깺AÀà»ù½ð·Ý¶îʱ£¬Ã¿±ÊÉ깺½ð¶î×îµÍΪ1Ôª£¬
ͬʱÉ깺½ð¶î±ØÐëÊÇÕûÊý½ð¶î¡£ÔÚ·ûºÏ·¨ÂÉ·¨¹æ¹æ¶¨µÄÇ°ÌáÏ£¬¸÷ÏúÊÛ»ú¹¹¶Ô×î
µÍÉ깺Ï޶½»Ò×¼¶²îÓÐÆäËû¹æ¶¨µÄ£¬Ðèͬʱ×ñѸÃÏúÊÛ»ú¹¹µÄÏà¹Ø¹æ¶¨¡££¨ÒÔ
ÉϽð¶î¾ùº¬É깺·Ñ£©¡£
£¨2£©Í¶×ÊÕß½«µ±ÆÚ·ÖÅäµÄ»ù½ðÊÕÒæת¹º»ù½ð·Ý¶î»ò²ÉÓö¨ÆÚ¶¨¶îͶ×ʼƻ®
ʱ£¬²»ÊÜ×îµÍÉ깺½ð¶îµÄÏÞÖÆ¡£
£¨3£©Í¶×ÊÕ߿ɶà´ÎÉ깺£¬Ò»°ãÇé¿öϱ¾»ù½ð¶Ôµ¥¸öͶ×ÊÕßÀۼƳÖÓзݶ
ÉèÉÏÏÞÏÞÖÆ¡£µ«¶ÔÓÚ¿ÉÄܵ¼Öµ¥Ò»Í¶×ÊÕß³ÖÓлù½ð·Ý¶îµÄ±ÈÀý´ïµ½»òÕß³¬¹ý50%£¬
»òÕß±äÏà¹æ±Ü50%¼¯ÖжȵÄÇéÐΣ¬»ù½ð¹ÜÀíÈËÓÐȨ²ÉÈ¡¿ØÖÆ´ëÊ©¡£µ±½ÓÊÜÉ깺Éê
Çë¶Ô´æÁ¿»ù½ð·Ý¶î³ÖÓÐÈËÀûÒæ¹¹³ÉDZÔÚÖØ´ó²»ÀûÓ°Ïìʱ£¬»ù½ð¹ÜÀíÈËÓ¦µ±²ÉÈ¡Éè
¶¨µ¥Ò»Í¶×ÊÕßÉ깺½ð¶îÉÏÏÞ»ò»ù½ðµ¥ÈÕ¾»É깺±ÈÀýÉÏÏÞ¡¢¾Ü¾ø´ó¶îÉ깺¡¢ÔÝÍ£»ù
½ðÉ깺µÈ´ëÊ©£¬ÇÐʵ±£»¤´æÁ¿»ù½ð·Ý¶î³ÖÓÐÈ˵ĺϷ¨È¨Òæ¡£»ù½ð¹ÜÀíÈË»ùÓÚͶ×Ê
ÔË×÷Óë·çÏÕ¿ØÖƵÄÐèÒª£¬¿É²ÉÈ¡ÉÏÊö´ëÊ©¶Ô»ù½ð¹æÄ£ÓèÒÔ¿ØÖÆ¡£¾ßÌå¼û»ù½ð¹ÜÀí
ÈËÏà¹Ø¹«¸æ¡£
£¨4£©»ù½ð¹ÜÀíÈË¿ÉÔÚ·¨ÂÉ·¨¹æÔÊÐíµÄÇé¿öÏ£¬µ÷ÕûÉÏÊö¹æ¶¨É깺½ð¶îµÈÊý
Á¿ÏÞÖÆ£¬»òÕßÐÂÔö»ù½ð¹æÄ£¿ØÖÆ´ëÊ©¡£»ù½ð¹ÜÀíÈ˱ØÐëÔÚµ÷ÕûʵʩǰÒÀÕÕ¡¶ÐÅÏ¢
Åû¶°ì·¨¡·µÄÓйع涨Ôڹ涨ý½éÉϹ«¸æ¡£
3.2É깺·ÑÂÊ
¶ÔÓÚAÀà»ù½ð·Ý¶î£¬±¾»ù½ð¶Ôͨ¹ý±¾¹«Ë¾Ö±ÏúÖÐÐÄÉ깺µÄÌض¨Í¶×ÊȺÌåÓë³ý
´ËÖ®ÍâµÄÆäËûͶ×ÊÕßʵʩ²î±ðµÄÉ깺·ÑÂÊ¡£
Ìض¨Í¶×ÊȺÌåָȫ¹úÉç»á±£ÕÏ»ù½ð¡¢ÒÀ·¨ÉèÁ¢µÄ»ù±¾ÑøÀϱ£ÏÕ»ù½ð¡¢ÒÀ·¨ÖÆ
¶¨µÄÆóÒµÄê½ð¼Æ»®³ï¼¯µÄ×ʽð¼°ÆäͶ×ÊÔËÓªÊÕÒæÐγɵÄÆóÒµ²¹³äÑøÀϱ£ÏÕ»ù½ð
£¨°üÀ¨ÆóÒµÄê½ðµ¥Ò»¼Æ»®ÒÔ¼°¼¯ºÏ¼Æ»®£©£¬ÒÔ¼°¿ÉÒÔͶ×Ê»ù½ðµÄÆäËûÉç»á±£ÏÕ»ù
½ð¡£È罫À´³öÏÖ¿ÉÒÔͶ×Ê»ù½ðµÄס·¿¹«»ý½ð¡¢ÏíÊÜË°ÊÕÓŻݵĸöÈËÑøÀÏÕË»§¡¢¾
ÑøÀÏ»ù½ð¼à¹Ü²¿ÃÅÈϿɵÄеÄÑøÀÏ»ù½ðÀàÐÍ£¬»ù½ð¹ÜÀíÈ˿ɽ«ÆäÄÉÈëÌض¨Í¶×ÊȺ
Ì巶Χ¡£
Ìض¨Í¶×ÊȺÌå¿Éͨ¹ý±¾¹«Ë¾Ö±ÏúÖÐÐÄÉ깺±¾»ù½ð¡£»ù½ð¹ÜÀíÈ˿ɸù¾ÝÇé¿ö±ä
¸ü»òÔö¼õÌض¨Í¶×ÊȺÌåÉ깺±¾»ù½ðµÄÏúÊÛ»ú¹¹£¬²¢ÔÚ»ù½ð¹ÜÀíÈËÍøÕ¾¹«Ê¾¡£
3.2.1Ç°¶ËÊÕ·Ñ
£¨1£©±¾»ù½ð³¡Íâ¡¢³¡ÄÚAÀà»ù½ð·Ý¶îµÄÉ깺·ÑÂÊÏàͬ£¬¾ßÌå·ÑÂʼûÏÂ±í£º
É깺½ð¶îM£¨Ôª£©£¨º¬É깺·Ñ£© AÀà»ù½ð·Ý¶îÌض¨É깺·ÑÂÊ£¨Ìض¨Í¶×ÊȺÌ壩 AÀà»ù½ð·Ý¶îÉ깺·ÑÂÊ£¨ÆäËûͶ×ÊÕߣ©
M£¼100Íò 0.10% 1.0%
100Íò¡ÜM£¼200Íò 0.06% 0.6%
200Íò¡ÜM£¼500Íò 0.03% 0.3%
M¡Ý500Íò °´±Ê¹Ì¶¨ÊÕÈ¡1,000Ôª/±Ê
Ìض¨É깺·ÑÂʽöÊÊÓÃÓÚͨ¹ý»ù½ð¹ÜÀíÈËÖ±ÏúÖÐÐÄ¡¢ÒÔ³¡ÍⷽʽÉ깺µÄÌض¨Í¶
×ÊȺÌå¡£ÔÚÉ깺·Ñ°´½ð¶î·ÖµµµÄÇé¿öÏ£¬Èç¹ûͶ×ÊÕ߶à´ÎÉ깺£¬É깺·ÑÊÊÓõ¥±Ê
É깺½ð¶îËù¶ÔÓ¦µÄ·ÑÂÊ¡£
£¨2£©±¾»ù½ðCÀà»ù½ð·Ý¶î²»ÊÕÈ¡É깺·ÑÓ㬶øÊÇ´Ó±¾Àà±ð»ù½ð×ʲúÖмÆÌá
ÏúÊÛ·þÎñ·Ñ¡£±¾»ù½ðCÀà»ù½ð·Ý¶îÏúÊÛ·þÎñ·ÑÄê·ÑÂÊΪ0.30%¡£
£¨3£©»ù½ð¹ÜÀíÈË¿ÉÒÔÔÚ¡¶»ù½ðºÏͬ¡·¹æ¶¨µÄ·¶Î§ÄÚµ÷ÕûÉ깺·ÑÂÊ»ò±ä¸üÊÕ
·Ñ·½Ê½£¬µ÷ÕûºóµÄÉ깺·ÑÂÊ»ò±ä¸üµÄÊÕ·Ñ·½Ê½ÔÚ¡¶Ò×·½´ïÖÐÖ¤ÍòµÃÉúÎï¿Æ¼¼Ö¸Êý
֤ȯͶ×Ê»ù½ð£¨LOF£©¸üеÄÕÐļ˵Ã÷Êé¡·ÖÐÁÐʾ¡£ÉÏÊö·ÑÂÊ»òÊÕ·Ñ·½Ê½Èç·¢Éú
±ä¸ü£¬»ù½ð¹ÜÀíÈË×î³ÙÓ¦ÓÚеķÑÂÊ»òÊÕ·Ñ·½Ê½ÊµÊ©Ç°ÒÀÕÕ¡¶ÐÅÏ¢Åû¶°ì·¨¡·µÄ
Óйع涨Ôڹ涨ý½éÉϹ«¸æ¡£
£¨4£©»ù½ð¹ÜÀíÈË¿ÉÒÔÔÚ²»Î¥·´·¨ÂÉ·¨¹æ¹æ¶¨¼°¡¶»ù½ðºÏͬ¡·Ô¼¶¨µÄÇé¿öÏÂ
¸ù¾ÝÊг¡Çé¿öÖƶ¨»ù½ð´ÙÏú¼Æ»®£¬Õë¶Ô»ù½ðͶ×ÊÕ߶¨ÆںͲ»¶¨ÆڵؿªÕ¹»ù½ð´ÙÏú
»î¶¯¡£ÔÚ»ù½ð´ÙÏú»î¶¯Æڼ䣬»ù½ð¹ÜÀíÈË¿ÉÒÔÊʵ±µ÷µÍ»ù½ðÏúÊÛ·ÑÂÊ£¬»òÕë¶ÔÌØ
¶¨ÇþµÀ¡¢Ìض¨Í¶×ÊȺÌ忪չÓвî±ðµÄ·ÑÂÊÓŻݻ¡£
3.3ÆäËûÓëÉ깺Ïà¹ØµÄÊÂÏî
¹ØÓڲμÓÏúÊÛ»ú¹¹¸÷ÖÖÇþµÀ»ù½ðÉ깺·ÑÂÊÓŻݻµÄ˵Ã÷£º
£¨1£©±¾»ù½ðAÀà»ù½ð·Ý¶î³¡Íâ·Ý¶îÔÚ·ÇÖ±ÏúÏúÊÛ»ú¹¹¿ªÕ¹µÄÉ깺·ÑÂÊÓÅ»Ý
»î¶¯Çé¿öÇë²é¿´Ôı¾¹«Ë¾»ò·ÇÖ±ÏúÏúÊÛ»ú¹¹µÄÏà¹Ø¹«¸æ»ò֪ͨ¡£
£¨2£©Í¶×ÊÕßͨ¹ý±¾¹«Ë¾ÍøÉÏÖ±ÏúϵͳÉ깺±¾»ù½ðAÀà»ù½ð·Ý¶î³¡Íâ·Ý¶îµÄ
ÓŻݷÑÂÊ£¬Ïê¼û±¾¹«Ë¾ÍøÕ¾ÉϵÄÏà¹Ø˵Ã÷¡£
4.ÈÕ³£Êê»ØÒµÎñ
4.1Êê»Ø·Ý¶îÏÞÖÆ
£¨1£©»ù½ð·Ý¶î³ÖÓÐÈË°ìÀí³¡ÍâÊê»ØAÀà»ù½ð·Ý¶î¡¢CÀà»ù½ð·Ý¶îʱ£¬Ã¿±Ê
Êê»ØÉêÇëµÄ×îµÍ·Ý¶îΪ1·Ý»ù½ð·Ý¶î£¨Èç¸ÃÕË»§ÔÚ¸ÃÏúÊÛ»ú¹¹ÍйܵĸÃÀà»ù½ð·Ý
¶îÓà¶î²»×ã1·Ý£¬Ôò±ØÐëÒ»´ÎÐÔÊê»Ø»òת³ö¸ÃÀà»ù½ð·Ý¶îÈ«²¿·Ý¶î£©£»»ù½ð·Ý¶î
³ÖÓÐÈË°ìÀí³¡ÄÚAÀà»ù½ð·Ý¶îÊê»Øʱ£¬Ã¿±ÊÊê»ØÉêÇëµÄ×îµÍ·Ý¶îΪ1·Ý»ù½ð·Ý
¶î£¬Í¬Ê±Êê»Ø·Ý¶î±ØÐëÊÇÕûÊý·Ý¶î¡£
»ù½ð·Ý¶î³ÖÓÐÈ˿ɽ«ÆäÈ«²¿»ò²¿·Ö»ù½ð·Ý¶îÊê»Ø£¬µ«Ä³±Ê½»Ò×ÀàÒµÎñ£¨ÈçÊê
»Ø¡¢»ù½ðת»»¡¢×ªÍйܵȣ©µ¼Öµ¥¸ö½»Ò×ÕË»§µÄ¸ÃÀà»ù½ð·Ý¶îÓà¶îÉÙÓÚ1·Ýʱ£¬
»ù½ð¹ÜÀíÈËÓÐȨ½«»ù½ð·Ý¶î³ÖÓÐÈËÔÚ¸ÃÏúÊÛ»ú¹¹ÍйܵĸÃÀà»ù½ð·Ý¶îÊ£Óà·Ý¶î
Ò»´ÎÐÔÈ«²¿Êê»Ø¡£ÔÚ·ûºÏ·¨ÂÉ·¨¹æ¹æ¶¨µÄÇ°ÌáÏ£¬¸÷ÏúÊÛ»ú¹¹¶ÔÊê»Ø·Ý¶îÏÞÖÆÓÐ
ÆäËû¹æ¶¨µÄ£¬Ðèͬʱ×ñѸÃÏúÊÛ»ú¹¹µÄÏà¹Ø¹æ¶¨¡£
£¨2£©»ù½ð¹ÜÀíÈË¿ÉÔÚ·¨ÂÉ·¨¹æÔÊÐíµÄÇé¿öÏ£¬µ÷ÕûÉÏÊö¹æ¶¨Êê»Ø·Ý¶îµÈÊý
Á¿ÏÞÖÆ£¬»òÕßÐÂÔö»ù½ð¹æÄ£¿ØÖÆ´ëÊ©¡£»ù½ð¹ÜÀíÈ˱ØÐëÔÚµ÷ÕûʵʩǰÒÀÕÕ¡¶ÐÅÏ¢
Åû¶°ì·¨¡·µÄÓйع涨Ôڹ涨ý½éÉϹ«¸æ¡£
4.2Êê»Ø·ÑÂÊ
£¨1£©±¾»ù½ðAÀà»ù½ð·Ý¶î³¡ÍâÊê»Ø·Ñ¾ßÌå·ÑÂÊÈçÏ£º
³ÖÓÐʱ¼ä£¨Ì죩 AÀà»ù½ð·Ý¶î³¡ÍâÊê»Ø·ÑÂÊ
0-6 1.50%
7-29 0.50%
30-179 0.25%
180¼°ÒÔÉÏ 0%
±¾»ù½ðAÀà»ù½ð·Ý¶î³¡ÄÚÊê»Ø·Ñ¾ßÌå·ÑÂÊÈçÏ£º
³ÖÓÐÆÚÏÞ£¨Ì죩 AÀà»ù½ð·Ý¶î³¡ÄÚÊê»Ø·ÑÂÊ
0-6 1.50%
7¼°ÒÔÉÏ 0.50%
Ͷ×ÊÕ߿ɽ«Æä³ÖÓеÄÈ«²¿»ò²¿·ÖAÀà»ù½ð·Ý¶îÊê»Ø¡£Êê»Ø·ÑÓÃÓÉÊê»Ø»ù½ð·Ý
¶îµÄAÀà»ù½ð·Ý¶î³ÖÓÐÈ˳е££¬ÔÚ»ù½ð·Ý¶î³ÖÓÐÈËÊê»Ø»ù½ð·Ý¶îʱÊÕÈ¡¡£¶Ô³ÖÓÐ
ÆÚÉÙÓÚ7Ì죨²»º¬£©µÄAÀà»ù½ð·Ý¶î³ÖÓÐÈËËùÊÕÈ¡Êê»Ø·ÑÓÃÈ«¶î¼ÆÈë»ù½ð²Æ²ú£»
¶Ô³ÖÓÐÆÚ7ÌìÒÔÉÏ£¨º¬£©µÄAÀà»ù½ð·Ý¶î³ÖÓÐÈËËùÊÕÈ¡Êê»Ø·ÑÓÃ×ܶîµÄ25%¼ÆÈë
»ù½ð²Æ²ú£»ÆäÓàÓÃÓÚÖ§¸¶µÇ¼Ç½áËã·ÑµÈÆäËûÏà¹ØÊÖÐø·Ñ¡£
£¨2£©±¾»ù½ðCÀà»ù½ð·Ý¶îÊê»Ø·Ñ¾ßÌå·ÑÂÊÈçÏ£º
³ÖÓÐʱ¼ä(Ìì) CÀà»ù½ð·Ý¶îÊê»Ø·ÑÂÊ
0-6 1.50%
7¼°ÒÔÉÏ 0%
Ͷ×ÊÕ߿ɽ«Æä³ÖÓеÄÈ«²¿»ò²¿·ÖCÀà»ù½ð·Ý¶îÊê»Ø¡£Êê»Ø·ÑÓÃÓÉÊê»Ø»ù½ð·Ý
¶îµÄCÀà»ù½ð·Ý¶î³ÖÓÐÈ˳е££¬ÔÚ»ù½ð·Ý¶î³ÖÓÐÈËÊê»Ø»ù½ð·Ý¶îʱÊÕÈ¡¡£¶Ô³ÖÓÐ
ÆÚÉÙÓÚ7Ì죨²»º¬£©µÄCÀà»ù½ð·Ý¶î³ÖÓÐÈËËùÊÕÈ¡Êê»Ø·ÑÓÃÈ«¶î¼ÆÈë»ù½ð²Æ²ú¡£
£¨3£©¸ù¾ÝÓйØÒµÎñ¹æÔò£¬»ù½ð·Ý¶î³ÖÓÐÈ˳ÖÓеÄÒ×·½´ïÉúÎï·Ö¼¶·Ý¶îת»»
ΪÒ×·½´ïÖÐÖ¤ÍòµÃÉúÎï¿Æ¼¼Ö¸Êý֤ȯͶ×Ê»ù½ð£¨LOF£©AÀà·Ý¶îºó£¬ÆäÔ»ù½ð·Ý
¶î³ÖÓÐÆÚ¼ÆÈëÒ×·½´ïÖÐÖ¤ÍòµÃÉúÎï¿Æ¼¼Ö¸Êý֤ȯͶ×Ê»ù½ð£¨LOF£©AÀà·Ý¶îµÄ³Ö
ÓÐÆÚ£»»ù½ð·Ý¶î³ÖÓÐÈ˳ÖÓеÄÒ×·½´ïÉúÎï·Ö¼¶AÀà·Ý¶îºÍÒ×·½´ïÉúÎï·Ö¼¶BÀà
·Ý¶îת»»ÎªÒ×·½´ïÖÐÖ¤ÍòµÃÉúÎï¿Æ¼¼Ö¸Êý֤ȯͶ×Ê»ù½ð£¨LOF£©AÀೡÄڷݶîºó£¬
»ù½ð·Ý¶î³ÖÓÐÆÚ×ÔÒ×·½´ïÖÐÖ¤ÍòµÃÉúÎï¿Æ¼¼Ö¸Êý֤ȯͶ×Ê»ù½ð£¨LOF£©AÀೡÄÚ
·Ý¶îÈ·ÈÏÖ®ÈÕÆð¼ÆË㣬»ù½ð·Ý¶î³ÖÓÐÈËÊê»Ø·Ý¶îʱÊÊÓõÄÊê»Ø·ÑÂʽ«¸ù¾Ý³ÖÓÐÆÚ
È·¶¨£¬¾ßÌå³ÖÓÐʱ¼äÒԵǼǽáËã»ú¹¹ÏµÍ³¼Ç¼Ϊ׼¡£Èç¹ûÊê»Ø·Ý¶îʱ³ÖÓÐÆڽ϶̣¬
»ù½ð·Ý¶î³ÖÓÐÈ˽«³Ðµ£½Ï¸ßµÄÊê»Ø·Ñ¡£
£¨4£©»ù½ð¹ÜÀíÈË¿ÉÒÔÔÚ¡¶»ù½ðºÏͬ¡·¹æ¶¨µÄ·¶Î§ÄÚµ÷ÕûÊê»Ø·ÑÂÊ»ò±ä¸üÊÕ
·Ñ·½Ê½£¬µ÷ÕûºóµÄÊê»Ø·ÑÂÊ»ò±ä¸üµÄÊÕ·Ñ·½Ê½ÔÚ¡¶Ò×·½´ïÖÐÖ¤ÍòµÃÉúÎï¿Æ¼¼Ö¸Êý
֤ȯͶ×Ê»ù½ð£¨LOF£©¸üеÄÕÐļ˵Ã÷Êé¡·ÖÐÁÐʾ¡£ÉÏÊö·ÑÂÊ»òÊÕ·Ñ·½Ê½Èç·¢Éú
±ä¸ü£¬»ù½ð¹ÜÀíÈË×î³ÙÓ¦ÓÚеķÑÂÊ»òÊÕ·Ñ·½Ê½ÊµÊ©Ç°ÒÀÕÕ¡¶ÐÅÏ¢Åû¶°ì·¨¡·µÄ
Óйع涨Ôڹ涨ý½éÉϹ«¸æ¡£
£¨5£©»ù½ð¹ÜÀíÈË¿ÉÒÔÔÚ²»Î¥·´·¨ÂÉ·¨¹æ¹æ¶¨¼°¡¶»ù½ðºÏͬ¡·Ô¼¶¨µÄÇé¿öÏÂ
¸ù¾ÝÊг¡Çé¿öÖƶ¨»ù½ð´ÙÏú¼Æ»®£¬Õë¶Ô»ù½ðͶ×ÊÕ߶¨ÆںͲ»¶¨ÆڵؿªÕ¹»ù½ð´ÙÏú
»î¶¯¡£ÔÚ»ù½ð´ÙÏú»î¶¯Æڼ䣬»ù½ð¹ÜÀíÈË¿ÉÒÔÊʵ±µ÷µÍ»ù½ðÏúÊÛ·ÑÂÊ£¬»òÕë¶ÔÌØ
¶¨ÇþµÀ¡¢Ìض¨Í¶×ÊȺÌ忪չÓвî±ðµÄ·ÑÂÊÓŻݻ¡£
5.ÈÕ³£×ª»»ÒµÎñ
5.1ת»»·ÑÂÊ
£¨1£©»ù½ðת»»µÄ¼ÆË㹫ʽ
A=[B¡ÁC¡Á(1-D)/(1+G)+F]/E
H=B¡ÁC¡ÁD
J=[B¡ÁC¡Á(1-D)/(1+G)]¡ÁG
ÆäÖУ¬AΪתÈëµÄ»ù½ð·Ý¶î£»BΪת³öµÄ»ù½ð·Ý¶î£»CΪת»»ÉêÇëµ±ÈÕת³ö
»ù½ðµÄ»ù½ð·Ý¶î¾»Öµ£»DΪת³ö»ù½ðµÄ¶ÔÓ¦Êê»Ø·ÑÂÊ£»EΪת»»ÉêÇëµ±ÈÕתÈë»ù
½ðµÄ»ù½ð·Ý¶î¾»Öµ£»FΪ»õ±ÒÊг¡»ù½ðÈ«²¿×ª³öʱע²áµÇ¼Ç»ú¹¹ÒÑÖ§¸¶µÄδ¸¶ÊÕ
Ò棨½öÏÞת³ö»ù½ðΪÒ×·½´ï»õ±ÒÊг¡»ù½ð¡¢Ò×·½´ïÌìÌìÀí²Æ»õ±ÒÊг¡»ù½ð¡¢Ò×·½
´ï²Æ¸»¿ìÏß»õ±ÒÊг¡»ù½ð¡¢Ò×·½´ïÌìÌìÔöÀû»õ±ÒÊг¡»ù½ð¡¢Ò×·½´ïÁú±¦»õ±ÒÊг¡
»ù½ð¡¢Ò×·½´ïÔö½ð±¦»õ±ÒÊг¡»ù½ð¡¢Ò×·½´ïÏÖ½ðÔöÀû»õ±ÒÊг¡»ù½ð¡¢Ò×·½´ïÌìÌì
·¢»õ±ÒÊг¡»ù½ðºÍÒ×·½´ïÒ×Àí²Æ»õ±ÒÊг¡»ù½ð£©»òÕ߶ÌÆÚÀí²Æ»ù½ðת³öʱ¶ÔÓ¦µÄ
ÀÛ¼Æδ¸¶ÊÕÒ棨ת³ö»ù½ðΪÒ×·½´ïÔÂÔÂÀûÀí²ÆծȯÐÍ֤ȯͶ×Ê»ù½ðºÍÒ×·½´ïÕƹñ
¼¾¼¾Ó¯Àí²ÆծȯÐÍ֤ȯͶ×Ê»ù½ð£©£»GΪ¶ÔÓ¦µÄÉ깺²¹²î·ÑÂÊ£»HΪת³ö»ù½ðÊê»Ø
·Ñ£»JΪÉ깺²¹²î·Ñ¡£
×¢£ºµ±Í¶×ÊÕßÔÚÈ«²¿×ª»»×ª³öijÀà»õ±ÒÊг¡»ù½ð·Ý¶îʱ£¬ÈçÆäδ¸¶ÊÕÒæΪÕý£¬
»ù½ð·Ý¶î¶ÔÓ¦µÄδ¸¶ÊÕÒæÊÇ·ñÓëת»»×ª³ö·Ý¶î¶ÔÓ¦µÄ¿îÏîÒ»²¢»®×ªµ½×ª»»×ªÈë
µÄ»ù½ð£¬ÒÔÏúÊÛ»ú¹¹ºÍ×¢²áµÇ¼Ç»ú¹¹µÄ¾ßÌå¹æ¶¨Îª×¼¡£µ±Í¶×ÊÕßÔÚÈ«²¿×ª»»×ª³ö
ijÀà»õ±ÒÊг¡»ù½ð·Ý¶îʱ£¬ÈçÆäδ¸¶ÊÕÒæΪ¸º£¬»ù½ð·Ý¶î¶ÔÓ¦µÄδ¸¶ÊÕÒæÓëת»»
ת³ö·Ý¶î¶ÔÓ¦µÄ¿îÏîÒ»²¢»®×ªµ½×ª»»×ªÈëµÄ»ù½ð¡£
£¨2£©»ù½ðת»»·Ñ
1£©»ù½ðת»»·ÑÓÃÓÉת³ö»ù½ðÊê»Ø·ÑÓü°»ù½ðÉ깺²¹²î·ÑÓÃÁ½²¿·Ö¹¹³É¡£
2£©×ªÈë»ù½ðʱ£¬´ÓÉ깺·ÑÓõ͵Ļù½ðÏòÉ깺·ÑÓøߵĻù½ðת»»Ê±£¬Ã¿´ÎÊÕ
È¡É깺²¹²î·ÑÓã»´ÓÉ깺·ÑÓøߵĻù½ðÏòÉ깺·ÑÓõ͵Ļù½ðת»»Ê±£¬²»ÊÕÈ¡É깺
²¹²î·ÑÓã¨×¢£º¶Ôͨ¹ýÖ±ÏúÖÐÐÄÉ깺ʵʩ²î±ðÉ깺·ÑÂʵÄÌض¨Í¶×ÊȺÌå»ù½ð·Ý¶î
µÄÉ깺·Ñ£¬ÒÔ³ýͨ¹ýÖ±ÏúÖÐÐÄÉ깺µÄÌض¨Í¶×ÊȺÌåÖ®ÍâµÄÆäËûͶ×ÊÕßÉ깺·ÑΪ±È
½Ï±ê×¼£©¡£É깺²¹²î·ÑÓð´ÕÕת»»½ð¶î¶ÔÓ¦µÄת³ö»ù½ðÓëתÈë»ù½ðµÄÉ깺·ÑÂʲî
¶î½øÐв¹²î£¬¾ßÌåÊÕÈ¡Çé¿öÊÓÿ´Îת»»Ê±Á½Ö»»ù½ðµÄÉ깺·ÑÂʵIJîÒìÇé¿ö¶ø¶¨¡£
3£©×ª³ö»ù½ðʱ£¬ÈçÉæ¼°µÄת³ö»ù½ðÓÐÊê»Ø·ÑÓã¬ÊÕÈ¡¸Ã»ù½ðµÄÊê»Ø·ÑÓá£
ÊÕÈ¡µÄÊê»Ø·Ñ°´ÕÕ¸÷»ù½ðµÄ¡¶»ù½ðºÏͬ¡·¡¢¡¶ÕÐļ˵Ã÷Êé¡·£¨º¬¸üУ©¼°×îеÄÏà
¹Ø¹«¸æÔ¼¶¨µÄ±ÈÀý¹éÈë»ù½ð²Æ²ú£¬ÆäÓಿ·ÖÓÃÓÚÖ§¸¶×¢²áµÇ¼Ç·ÑµÈÏà¹ØÊÖÐø·Ñ¡£
£¨3£©¾ßÌåת»»·ÑÂʾÙÀý
1£©µ±±¾»ù½ðAÀà»ù½ð·Ý¶î³¡Íâ·Ý¶îΪת³ö»ù½ð£¬Ò×·½´ïËê·áÌíÀûծȯÐÍÖ¤
ȯͶ×Ê»ù½ð³¡Íâ·Ý¶îΪתÈë»ù½ðʱ£º
¢Ùת»»¶ÔÓ¦µÄת³ö»ù½ð£¬¼´±¾»ù½ðAÀà»ù½ð·Ý¶î³¡ÍâÊê»Ø·ÑÂÊ°´³ÖÓÐʱ¼äµÝ
¼õ£¬¾ßÌå·ÑÂÊÈçÏ£º
³ÖÓÐÆÚÏÞ0-6£¨º¬£©Ì죬Êê»Ø·ÑÂÊΪ1.5%£»
³ÖÓÐÆÚÏÞ7£¨º¬£©-29£¨º¬£©Ì죬Êê»Ø·ÑÂÊΪ0.50%£»
³ÖÓÐÆÚÏÞ30£¨º¬£©-179£¨º¬£©Ì죬Êê»Ø·ÑÂÊΪ0.25%£»
³ÖÓÐÆÚÏÞ180£¨º¬£©ÌìÒÔÉÏ£¬Êê»Ø·ÑÂÊΪ0£»
¢Úת»»¶ÔÓ¦µÄÉ깺²¹²î·ÑÂÊÈçÏ£º
i¶ÔÓÚÖ±ÏúÖÐÐĵÄÌض¨Í¶×ÊȺÌ壺
ת»»½ð¶î0-100ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0£»
ת»»½ð¶î100Íò£¨º¬£©-200ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0£»
ת»»½ð¶î200Íò£¨º¬£©-500ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0.01%£»
ת»»½ð¶î500Íò£¨º¬£©-1000ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0.018%£»
ת»»½ð¶î1000Íò£¨º¬£©ÔªÒÔÉÏ£¬É깺²¹²î·ÑÂÊΪ0¡£
ii¶ÔÓÚÆäËûͶ×ÊÕߣº
ת»»½ð¶î0-100ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0£»
ת»»½ð¶î100Íò£¨º¬£©-200ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0£»
ת»»½ð¶î200Íò£¨º¬£©-500ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0.10%£»
ת»»½ð¶î500Íò£¨º¬£©-1000ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0.18%£»
ת»»½ð¶î1000Íò£¨º¬£©ÔªÒÔÉÏ£¬É깺²¹²î·ÑÂÊΪ0¡£
×¢£º¶ÔÓÚת»»½ð¶îΪ500Íò£¨º¬£©-1000ÍòÔªµÄÇé¿ö£¬¼øÓÚת³ö»ù½ðÉ깺·Ñ
ÂÊΪÿ±Ê¹Ì¶¨½ð¶î1000Ôª£¬×ªÈë»ù½ðÉ깺·ÑÂÊΪ0.20%£¬ÔÚ¼ÆËãÉ깺²¹²î·ÑÂÊ
ʱ°´0.02%¿Û¼õ£¨¼´É깺²¹²î·ÑÂÊΪ0.20%-0.02%£½0.18%£©£¬»ù½ð¹ÜÀíÈ˿ɸù¾Ý
ÒµÎñÐèÒª½øÐе÷Õû¡£
2£©µ±±¾»ù½ðAÀà»ù½ð·Ý¶î³¡Íâ·Ý¶îΪתÈë»ù½ð£¬Ò×·½´ïËê·áÌíÀûծȯÐÍÖ¤
ȯͶ×Ê»ù½ð³¡Íâ·Ý¶îΪת³ö»ù½ðʱ£º
¢Ùת»»¶ÔÓ¦µÄת³ö»ù½ð£¬¼´Ò×·½´ïËê·áÌíÀûծȯÐÍ֤ȯͶ×Ê»ù½ðµÄ³¡ÍâÊê»Ø
·ÑÂÊ°´³ÖÓÐʱ¼äµÝ¼õ£¬¾ßÌå·ÑÂÊÈçÏ£º
³ÖÓÐÆÚÏÞ0-6£¨º¬£©Ì죬Êê»Ø·ÑÂÊΪ1.5%£»
³ÖÓÐÆÚÏÞ7£¨º¬£©-364£¨º¬£©Ì죬Êê»Ø·ÑÂÊΪ0.1%£»
³ÖÓÐÆÚÏÞ365£¨º¬£©-729£¨º¬£©Ì죬Êê»Ø·ÑÂÊΪ0.05%£»
³ÖÓÐÆÚÏÞ730£¨º¬£©ÌìÒÔÉÏ£¬Êê»Ø·ÑÂÊΪ0£»
¢Úת»»¶ÔÓ¦µÄÉ깺²¹²î·ÑÂÊÈçÏ£º
i¶ÔÓÚÖ±ÏúÖÐÐĵÄÌض¨Í¶×ÊȺÌ壺
ת»»½ð¶î0-100ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0.02%£»
ת»»½ð¶î100Íò£¨º¬£©-200ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0.02%£»
ת»»½ð¶î200Íò£¨º¬£©-500ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0£»
ת»»½ð¶î500Íò£¨º¬£©-1000ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0£»
ת»»½ð¶î1000Íò£¨º¬£©ÔªÒÔÉÏ£¬É깺²¹²î·ÑÂÊΪ0¡£
ii¶ÔÓÚÆäËûͶ×ÊÕߣº
ת»»½ð¶î0-100ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0.20%£»
ת»»½ð¶î100Íò£¨º¬£©-200ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0.20%£»
ת»»½ð¶î200Íò£¨º¬£©-500ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0£»
ת»»½ð¶î500Íò£¨º¬£©-1000ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0£»
ת»»½ð¶î1000Íò£¨º¬£©ÔªÒÔÉÏ£¬É깺²¹²î·ÑÂÊΪ0¡£
×¢£º¶ÔÓÚת»»½ð¶îΪ500Íò£¨º¬£©-1000ÍòÔªµÄÇé¿ö£¬¼øÓÚת³ö»ù½ðÉ깺·Ñ
ÂÊΪ0.20%£¬×ªÈë»ù½ðÉ깺·ÑÂÊΪÿ±Ê¹Ì¶¨½ð¶î1000Ôª£¬ÔÚ¼ÆËãÉ깺²¹²î·ÑÂÊ
ʱ°´0.02%¼ÆË㣨¼´É깺²¹²î·ÑÂÊΪ0£©£¬»ù½ð¹ÜÀíÈ˿ɸù¾ÝÒµÎñÐèÒª½øÐе÷Õû¡£
3£©µ±±¾»ù½ðCÀà»ù½ð·Ý¶îΪת³ö»ù½ð£¬Ò×·½´ï²ßÂԳɳ¤¶þºÅ»ìºÏÐÍ֤ȯͶ
×Ê»ù½ðΪתÈë»ù½ðʱ£º
¢Ùת»»¶ÔÓ¦µÄת³ö»ù½ð¼´±¾»ù½ðCÀà»ù½ð·Ý¶îÊê»Ø·ÑÂÊÈçÏ£º
³ÖÓÐÆÚÏÞ0-6£¨º¬£©Ì죬Êê»Ø·ÑÂÊΪ1.5%£»
³ÖÓÐÆÚÏÞ7£¨º¬£©Ìì¼°ÒÔÉÏ£¬Êê»Ø·ÑÂÊΪ0%¡£
¢Úת»»¶ÔÓ¦µÄÉ깺²¹²î·ÑÂÊÈçÏ£º
i¶ÔÓÚÖ±ÏúÖÐÐĵÄÌض¨Í¶×ÊȺÌ壺
ת»»½ð¶î0-100ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0.2%£»
ת»»½ð¶î100Íò£¨º¬£©-200ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0.16%£»
ת»»½ð¶î200Íò£¨º¬£©-500ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0.16%£»
ת»»½ð¶î500Íò£¨º¬£©-1000ÍòÔª£¬É깺²¹²î·ÑÂÊΪ0.1%£»
ת»»½ð¶î1000Íò£¨º¬£©ÔªÒÔÉÏ£¬É깺²¹²î·ÑÂÊΪ1000Ôª/±Ê¡£
ii¶ÔÓÚÆäËûͶ×ÊÕߣº
ת»»½ð¶î0-100ÍòÔª£¬É깺²¹²î·ÑÂÊΪ2%£»
ת»»½ð¶î100Íò£¨º¬£©-200ÍòÔª£¬É깺²¹²î·ÑÂÊΪ1.6%£»
ת»»½ð¶î200Íò£¨º¬£©-500ÍòÔª£¬É깺²¹²î·ÑÂÊΪ1.6%£»
ת»»½ð¶î500Íò£¨º¬£©-1000ÍòÔª£¬É깺²¹²î·ÑÂÊΪ1%£»
ת»»½ð¶î1000Íò£¨º¬£©ÔªÒÔÉÏ£¬É깺²¹²î·ÑÂÊΪ1000Ôª/±Ê¡£
4£©µ±±¾»ù½ðCÀà»ù½ð·Ý¶îΪתÈë»ù½ð£¬Ò×·½´ïË«Õ®ÔöǿծȯÐÍ֤ȯͶ×Ê»ù
½ðAÀà»ù½ð·Ý¶îΪת³ö»ù½ðʱ£º
¢Ùת»»¶ÔÓ¦µÄת³ö»ù½ð¼´Ò×·½´ïË«Õ®ÔöǿծȯÐÍ֤ȯͶ×Ê»ù½ðAÀà»ù½ð·Ý
¶îµÄÊê»Ø·ÑÂÊÈçÏ£º
³ÖÓÐÆÚÏÞ0-6£¨º¬£©Ì죬Êê»Ø·ÑÂÊΪ1.5%£»
³ÖÓÐÆÚÏÞ7£¨º¬£©-29£¨º¬£©Ì죬Êê»Ø·ÑÂÊΪ0.75%£»
³ÖÓÐÆÚÏÞ30£¨º¬£©-364£¨º¬£©Ì죬Êê»Ø·ÑÂÊΪ0.1%£»
³ÖÓÐÆÚÏÞ365£¨º¬£©-729£¨º¬£©Ì죬Êê»Ø·ÑÂÊΪ0.05%£»
³ÖÓÐÆÚÏÞ730£¨º¬£©Ìì¼°ÒÔÉÏ£¬Êê»Ø·ÑÂÊΪ0%¡£
¢Úת»»¶ÔÓ¦µÄÉ깺²¹²î·ÑÂÊÈçÏ£º
Ͷ×ÊÕßתÈë±¾»ù½ðCÀà»ù½ð·Ý¶î£¬×ª»»¶ÔÓ¦µÄÉ깺²¹²î·ÑÂÊΪ0%¡£
5£©±¾»ù½ðAÀà»ù½ð·Ý¶î³¡Íâ·Ý¶îÔÚ·ÇÖ±ÏúÏúÊÛ»ú¹¹¿ªÕ¹µÄת»»·ÑÂÊÓŻݻî
¶¯Çé¿öÇë²é¿´±¾¹«Ë¾»ò·ÇÖ±ÏúÏúÊÛ»ú¹¹µÄÏà¹Ø¹«¸æ»ò֪ͨ£»Í¶×ÊÕßͨ¹ý±¾¹«Ë¾Íø
ÉÏÖ±ÏúϵͳµÈ½øÐб¾»ù½ð³¡Íâ·Ý¶îºÍ±¾¹«Ë¾ÆìÏÂÆäËü¿ª·Åʽ»ù½ðÖ®¼äת»»µÄת
»»·ÑÂÊ£¬Ïê¼û±¾¹«Ë¾ÍøÕ¾ÉϵÄÏà¹Ø˵Ã÷¡£
£¨4£©»ù½ðת»»·Ý¶îµÄ¼ÆËã·½·¨¾ÙÀý
¼ÙÉèij³ÖÓÐÈË£¨·ÇÌض¨Í¶×ÊȺÌ壩³ÖÓб¾»ù½ðCÀà»ù½ð·Ý¶î10,000·Ý£¬³Ö
ÓÐ100Ì죬ÏÖÓûת»»ÎªÒ×·½´ï²ßÂԳɳ¤¶þºÅ»ìºÏÐÍ֤ȯͶ×Ê»ù½ð£»¼ÙÉèת³ö»ù½ð
TÈյĻù½ð·Ý¶î¾»ÖµÎª1.1000Ôª£¬×ªÈë»ù½ðÒ×·½´ï²ßÂԳɳ¤¶þºÅ»ìºÏÐÍ֤ȯͶ
×Ê»ù½ðTÈյĻù½ð·Ý¶î¾»ÖµÎª1.020Ôª£¬Ôòת³ö»ù½ðµÄÊê»Ø·ÑÂÊΪ0%£¬É깺²¹
²î·ÑÂÊΪ2%¡£×ª»»·Ý¶î¼ÆËãÈçÏ£º
ת»»½ð¶î=ת³ö»ù½ðÉêÇë·Ý¶î¡Áת³ö»ù½ð·Ý¶î¾»Öµ
=10,000¡Á1.1000=11,000.00Ôª
ת³ö»ù½ðÊê»Ø·Ñ=ת»»½ð¶î¡Áת³ö»ù½ðÊê»Ø·ÑÂÊ=11,000.00¡Á0%=0Ôª
É깺²¹²î·Ñ=£¨×ª»»½ð¶î-ת³ö»ù½ðÊê»Ø·Ñ£©¡ÁÉ깺²¹²î·ÑÂʡ£¨1£«É깺²¹
²î·ÑÂÊ£©=£¨11,000.00-0)¡Á2%¡Â(1+2%)=215.69Ôª
ת»»·Ñ=ת³ö»ù½ðÊê»Ø·Ñ+É깺²¹²î·Ñ=0+215.69=215.69Ôª
תÈë½ð¶î=ת»»½ð¶î-ת»»·Ñ=11,000.00-215.69=10,784.31Ôª
תÈë·Ý¶î=תÈë½ð¶î¡ÂתÈë»ù½ð·Ý¶î¾»Öµ=10,784.31¡Â1.020=10,572.85·Ý
5.2 ÆäËûÓëת»»Ïà¹ØµÄÊÂÏî
£¨1£©±¾»ù½ðAÀà·Ý¶î½ö¿ªÍ¨³¡Íâ·Ý¶îµÄת»»ÒµÎñ,ÇÒ½ö¿ªÍ¨ÓëÒÔÏ»ù½ð³¡Íâ
·Ý¶îÖ®¼äµÄת»»ÒµÎñ£ºÒ×·½´ïÓÀÐñÌíÀû¶¨ÆÚ¿ª·ÅծȯÐÍ֤ȯͶ×Ê»ù½ð¡¢Ò×·½´ïÖÐ
Õ®ÐÂ×ÛºÏծȯָÊý·¢Æðʽ֤ȯͶ×Ê»ù½ð£¨LOF£©¡¢Ò×·½´ïËê·áÌíÀûծȯÐÍ֤ȯͶ×Ê
»ù½ð¡¢Ò×·½´ï²¢¹ºÖØ×éÖ¸Êý·Ö¼¶Ö¤È¯Í¶×Ê»ù½ð¡¢Ò×·½´ïÖÐÖ¤ÒøÐÐÖ¸Êý֤ȯͶ×Ê»ù
½ð£¨LOF£©ºÍÒ×·½´ïÖÐС°åÖ¸Êý֤ȯͶ×Ê»ù½ð£¨LOF£©¡£
±¾»ù½ðCÀà»ù½ð·Ý¶î¿ªÍ¨ÓëÒ×·½´ïÆìÏÂÆäËü¿ª·Åʽ»ù½ð£¨ÓÉͬһע²áµÇ¼Ç»ú
¹¹°ìÀí×¢²áµÇ¼ÇµÄ¡¢ÇÒÒѹ«¸æ¿ªÍ¨»ù½ðת»»ÒµÎñ£©Ö®¼äµÄת»»ÒµÎñ£¬¸÷»ù½ðת»»
ÒµÎñµÄ¿ª·Å״̬¼°½»Ò×ÏÞÖÆÏê¼û¸÷»ù½ðÏà¹Ø¹«¸æ¡£Í¶×ÊÕßÐ赽ͬʱÏúÊÛÄâת³öºÍ
תÈëÁ½Ö»»ù½ðµÄͬһÏúÊÛ»ú¹¹°ìÀí»ù½ðµÄת»»ÒµÎñ£¬¾ßÌåµÄÒµÎñÁ÷³Ì¡¢°ìÀíʱ¼ä
ºÍ°ìÀí·½Ê½ÒÔÏúÊÛ»ú¹¹µÄ¹æ¶¨Îª×¼¡£
×¢£º»ªÏÄÒøÐйɷÝÓÐÏÞ¹«Ë¾¡¢Æ½°²ÒøÐйɷÝÓÐÏÞ¹«Ë¾¡¢ÉϺ£ÆÖ¶«·¢Õ¹ÒøÐйÉ
·ÝÓÐÏÞ¹«Ë¾¡¢Öйú¹â´óÒøÐйɷÝÓÐÏÞ¹«Ë¾¡¢Öйú½¨ÉèÒøÐйɷÝÓÐÏÞ¹«Ë¾¡¢ÖйúÃñ
ÉúÒøÐйɷÝÓÐÏÞ¹«Ë¾¡¢ÖйúÓÊÕþ´¢ÐîÒøÐйɷÝÓÐÏÞ¹«Ë¾¡¢¶«Ý¸Å©´åÉÌÒµÒøÐйɷÝ
ÓÐÏÞ¹«Ë¾¡¢¶«Ý¸ÒøÐйɷÝÓÐÏÞ¹«Ë¾¡¢º¼ÖÝÒøÐйɷÝÓÐÏÞ¹«Ë¾¡¢ºÓ±±ÒøÐйɷÝÓÐÏÞ
¹«Ë¾¡¢½ËÕ½ÄÏÅ©´åÉÌÒµÒøÐйɷÝÓÐÏÞ¹«Ë¾¡¢Äþ²¨ÒøÐйɷÝÓÐÏÞ¹«Ë¾¡¢ÈªÖÝÒøÐÐ
¹É·ÝÓÐÏÞ¹«Ë¾¡¢ÉϺ£Å©´åÉÌÒµÒøÐйɷÝÓÐÏÞ¹«Ë¾¡¢ÉϺ£ÒøÐйɷÝÓÐÏÞ¹«Ë¾¡¢°²ÐÅ
֤ȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢²³º£Ö¤È¯¹É·ÝÓÐÏÞ¹«Ë¾¡¢³¤³Ç֤ȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢³¤½Ö¤È¯
¹É·ÝÓÐÏÞ¹«Ë¾¡¢´¨²Æ֤ȯÓÐÏÞÔðÈι«Ë¾¡¢´ó֤ͨȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢µÚÒ»´´ÒµÖ¤È¯
¹É·ÝÓÐÏÞ¹«Ë¾¡¢¶«±±Ö¤È¯¹É·ÝÓÐÏÞ¹«Ë¾¡¢¶«º£Ö¤È¯¹É·ÝÓÐÏÞ¹«Ë¾¡¢¶«Îâ֤ȯ¹É·Ý
ÓÐÏÞ¹«Ë¾¡¢¹â´ó֤ȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢¹ã·¢Ö¤È¯¹É·ÝÓÐÏÞ¹«Ë¾¡¢¹ú¶¼Ö¤È¯¹É·ÝÓÐÏÞ
¹«Ë¾¡¢¹ú½ð֤ȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢¹úʢ֤ȯÓÐÏÞÔðÈι«Ë¾¡¢¹úÌ©¾ý°²Ö¤È¯¹É·ÝÓÐÏÞ
¹«Ë¾¡¢¹úÐÅ֤ȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢º£Í¨Ö¤È¯¹É·ÝÓÐÏÞ¹«Ë¾¡¢»ª°²Ö¤È¯¹É·ÝÓÐÏÞ¹«Ë¾¡¢
»ª±¦Ö¤È¯ÓÐÏÞÔðÈι«Ë¾¡¢»ª¸£Ö¤È¯ÓÐÏÞÔðÈι«Ë¾¡¢»ªÁú֤ȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢»ªÈÚ
֤ȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢»ªÌ©Ö¤È¯¹É·ÝÓÐÏÞ¹«Ë¾¡¢»ªÎ÷֤ȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢½º£Ö¤È¯
ÓÐÏÞ¹«Ë¾¡¢½ðԪ֤ȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢Áª´¢Ö¤È¯ÓÐÏÞÔðÈι«Ë¾¡¢ÄϾ©Ö¤È¯¹É·ÝÓÐÏÞ
¹«Ë¾¡¢Æ½°²Ö¤È¯¹É·ÝÓÐÏÞ¹«Ë¾¡¢É½Î÷֤ȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢ÉϺ£Ö¤È¯ÓÐÏÞÔðÈι«Ë¾¡¢
ÉêÍòºêÔ´Î÷²¿Ö¤È¯ÓÐÏÞ¹«Ë¾¡¢ÉêÍòºêԴ֤ȯÓÐÏÞ¹«Ë¾¡¢Ìì·ç֤ȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢
Î÷²¿Ö¤È¯¹É·ÝÓÐÏÞ¹«Ë¾¡¢Î÷ÄÏ֤ȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢Ïæ²Æ֤ȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢ÐÂʱ
´ú֤ȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢ÐÅ´ï֤ȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢ÖйúÒøºÓ֤ȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢ð®
ÐË֤ȯÓÐÏÞ¹«Ë¾¡¢ÔÁ¿ªÖ¤È¯¹É·ÝÓÐÏÞ¹«Ë¾¡¢ÖйúÖнð²Æ¸»Ö¤È¯ÓÐÏÞ¹«Ë¾¡¢Öйú¹ú
¼Ê½ðÈڹɷÝÓÐÏÞ¹«Ë¾¡¢ÖÐɽ֤ȯÓÐÏÞÔðÈι«Ë¾¡¢ÖÐ̩֤ȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢ÖÐÌìÖ¤
ȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢ÖÐÐŽ¨Í¶Ö¤È¯¹É·ÝÓÐÏÞ¹«Ë¾¡¢ÖÐÔ֤ȯ¹É·ÝÓÐÏÞ¹«Ë¾¡¢ÉϺ£³¤
Á¿»ù½ðÏúÊÛÓÐÏÞ¹«Ë¾¡¢±±¾©´´½ðÆô¸»»ù½ðÏúÊÛÓÐÏÞ¹«Ë¾¡¢±±¾©µ°¾í»ù½ðÏúÊÛÓÐÏÞ
¹«Ë¾¡¢·º»ªÆÕÒæ»ù½ðÏúÊÛÓÐÏÞ¹«Ë¾¡¢ÉîÛÚ¸»¼Ã»ù½ðÏúÊÛÓÐÏÞ¹«Ë¾¡¢º£Òø»ù½ðÏúÊÛ
ÓÐÏÞ¹«Ë¾¡¢ÉϺ£ºÃÂò»ù½ðÏúÊÛÓÐÏÞ¹«Ë¾¡¢ºÍѶÐÅÏ¢¿Æ¼¼ÓÐÏÞ¹«Ë¾¡¢±±¾©ºãÌìÃ÷Ôó
»ù½ðÏúÊÛÓÐÏÞ¹«Ë¾¡¢ºëÒµÆÚ»õ¹É·ÝÓÐÏÞ¹«Ë¾¡¢±±¾©ºçµã»ù½ðÏúÊÛÓÐÏÞ¹«Ë¾¡¢±±¾©
»ã³É»ù½ðÏúÊÛÓÐÏÞ¹«Ë¾¡¢ÉϺ£»ã¸¶»ù½ðÏúÊÛÓÐÏÞ¹«Ë¾¡¢¾©¶«¿ÏÌØÈð»ù½ðÏúÊÛÓÐÏÞ
¹«Ë¾¡¢ÉϺ£ÁªÌ©»ù½ðÏúÊÛÓÐÏÞ¹«Ë¾¡¢ÂìÒÏ£¨º¼ÖÝ£©»ù½ðÏúÊÛÓÐÏÞ¹«Ë¾¡¢ÆÖÁì»ù½ð
ÏúÊÛÓÐÏÞ¹«Ë¾¡¢ÉîÛÚÊÐÐÂÀ¼µÂ֤ȯͶ×Ê×ÉѯÓÐÏÞ¹«Ë¾¡¢±±¾©êÉÊÓÌìÏ»ù½ðÏúÊÛÓÐ
ÏÞ¹«Ë¾¡¢ÉϺ£ÌìÌì»ù½ðÏúÊÛÓÐÏÞ¹«Ë¾¡¢Í¨»ª²Æ¸»£¨ÉϺ££©»ù½ðÏúÊÛÓÐÏÞ¹«Ë¾¡¢Õã
½Í¬»¨Ë³»ù½ðÏúÊÛÓÐÏÞ¹«Ë¾¡¢Íò¼Ò²Æ¸»»ù½ðÏúÊÛ£¨Ìì½ò£©ÓÐÏÞ¹«Ë¾¡¢Ò»Â·²Æ¸»£¨±±
¾©£©»ù½ðÏúÊÛÓÐÏÞ¹«Ë¾¡¢ÒËÐÅÆÕÔ󣨱±¾©£©»ù½ðÏúÊÛÓÐÏÞ¹«Ë¾¡¢ÞÈ·á»ù½ðÏúÊÛÓÐ
ÏÞ¹«Ë¾¡¢Ö麣ӯÃ×»ù½ðÏúÊÛÓÐÏÞ¹«Ë¾¡¢ÉϺ£ÔÆÍå»ù½ðÏúÊÛÓÐÏÞ¹«Ë¾¡¢±±¾©Õ¹ºã»ù
½ðÏúÊ۹ɷÝÓÐÏÞ¹«Ë¾¡¢ÖÐÐŽ¨Í¶ÆÚ»õÓÐÏÞ¹«Ë¾¡¢ÖÐÖ¤½ðÅ££¨±±¾©£©Í¶×Ê×ÉѯÓÐÏÞ
¹«Ë¾¡¢ÉîÛÚÖÚ»»ù½ðÏúÊ۹ɷÝÓÐÏÞ¹«Ë¾ºÍ±¾¹«Ë¾Ö±Ïú»ú¹¹¿ª·Å±¾»ù½ðAÀà»ù½ð·Ý
¶î³¡Íâת»»ÒµÎñ¡£±¾¹«Ë¾Ö±Ïú»ú¹¹¿ª·Å±¾»ù½ðCÀà»ù½ð·Ý¶îµÄת»»ÒµÎñ¡£ÆäËûÏú
ÊÛ»ú¹¹¿ªÍ¨±¾»ù½ðת»»ÒµÎñµÄÇé¿ö¾´ÇëͶ×ÊÕß¹Ø×¢¸÷ÏúÊÛ»ú¹¹¿ªÍ¨×ª»»ÒµÎñµÄ
¹«¸æ»ò´¹Ñ¯ÓйØÏúÊÛ»ú¹¹¡£
£¨2£©×ª»»ÒµÎñ¹æÔò
1£©»ù½ðת»»ÊÇÖ¸»ù½ð·Ý¶î³ÖÓÐÈË°´ÕÕ¡¶»ù½ðºÏͬ¡·ºÍ»ù½ð¹ÜÀíÈ˽ìʱÓÐЧ
¹«¸æ¹æ¶¨µÄÌõ¼þ£¬ÉêÇ뽫Æä³ÖÓлù½ð¹ÜÀíÈ˹ÜÀíµÄ¡¢Ä³Ò»»ù½ðµÄ»ù½ð·Ý¶îתΪ»ù
½ð¹ÜÀíÈ˹ÜÀíµÄ¡¢ÇÒÓÉͬһע²áµÇ¼Ç»ú¹¹°ìÀí×¢²áµÇ¼ÇµÄÆäËû»ù½ð»ù½ð·Ý¶îµÄÐÐ
Ϊ¡£
2£©»ù½ðת»»Ö»ÄÜÔÚͬһÏúÊÛ»ú¹¹½øÐС£×ª»»µÄÁ½Ö»»ù½ð±ØÐ붼ÊǸÃÏúÊÛ»ú
¹¹ÏúÊÛµÄͬһ»ù½ð¹ÜÀíÈ˹ÜÀíµÄ¡¢ÔÚͬһע²áµÇ¼Ç»ú¹¹×¢²áµÇ¼ÇµÄ»ù½ð¡£Í¬Ò»»ù
½ð²»Í¬·Ý¶îÀà±ðÖ®¼ä²»¿É½øÐÐÏ໥ת»»£¬³ý·Ç»ù½ð¹ÜÀíÈ˹«¸æ¿ªÍ¨¡£
3£©»ù½ðת»»ÒԷݶîΪµ¥Î»½øÐÐÉêÇ롣Ͷ×ÊÕß¿ÉÒÔ·¢Æð¶à´Î»ù½ðת»»ÒµÎñ£¬
»ù½ðת»»·ÑÓð´Ã¿±ÊÉêÇëµ¥¶À¼ÆË㡣ת»»·ÑÓÃÒÔÈËÃñ±ÒԪΪµ¥Î»£¬¼ÆËã½á¹û°´ÕÕ
ËÄÉáÎåÈë·½·¨£¬±£ÁôСÊýµãºóÁ½Î»¡£
4£©»ù½ðת»»²Éȡδ֪¼Û·¨£¬¼´»ù½ðµÄת»»¼Û¸ñÒÔת»»ÉêÇëÊÜÀíµ±ÈÕ¸÷ת³ö¡¢
תÈë»ù½ðµÄ·Ý¶î¾»ÖµÎª»ù×¼½øÐмÆËã¡£
5£©»ù½ðת»»ºó£¬×ªÈëµÄ»ù½ð·Ý¶îµÄ³ÖÓÐÆÚ½«×ÔתÈëµÄ»ù½ð·Ý¶î±»È·ÈÏÖ®ÈÕ
ÆðÖØпªÊ¼¼ÆËã¡£
6£©±¾»ù½ð·Ý¶î³ÖÓÐÈ˿ɽ«ÆäÈ«²¿»ò²¿·Ö»ù½ð·Ý¶îת»»³ÉÁíÒ»Ö»»ù½ð£¬±¾»ù
½ðµ¥±Êת³öÉêÇë²»µÃÉÙÓÚ1·Ý£¨Èç¸ÃÕË»§ÔÚ¸ÃÏúÊÛ»ú¹¹ÍйܵĸÃÀà»ù½ð·Ý¶îÓà¶î
²»×ã1·Ý£¬Ôò±ØÐëÒ»´ÎÐÔÊê»Ø»òת³ö¸ÃÀà»ù½ð·Ý¶îÈ«²¿·Ý¶î£©£»Èôij±Êת»»µ¼ÖÂ
Ͷ×ÊÕßÔÚ¸ÃÏúÊÛ»ú¹¹ÍйܵĸÃÀà»ù½ð·Ý¶îÓà¶î²»×ã1·Ýʱ£¬»ù½ð¹ÜÀíÈËÓÐȨ½«Í¶
×ÊÕßÔÚ¸ÃÏúÊÛ»ú¹¹ÍйܵĸÃÀà»ù½ð·Ý¶îÊ£Óà·Ý¶îÒ»´ÎÐÔÈ«²¿Êê»Ø¡£
7£©Èô±¾»ù½ðµ¥¸ö¿ª·ÅÈÕÄڵĻù½ð·Ý¶î¾»Êê»ØÉêÇ루Êê»ØÉêÇë·Ý¶î×ÜÊý¼ÓÉÏ
»ù½ðת»»ÖÐת³öÉêÇë·Ý¶î×ÜÊýºó¿Û³ýÉ깺ÉêÇë·Ý¶î×ÜÊý¼°»ù½ðת»»ÖÐתÈëÉêÇë
·Ý¶î×ÜÊýºóµÄÓà¶î£©³¬¹ýÇ°Ò»¿ª·ÅÈյĻù½ð×ܷݶîµÄ10%£¬¼´ÈÏΪÊÇ·¢ÉúÁ˾޶î
Êê»Ø¡£·¢Éú¾Þ¶îÊê»Øʱ£¬»ù½ðת³öÓë»ù½ðÊê»Ø¾ßÓÐÏàͬµÄÓÅÏȼ¶£¬»ù½ð¹ÜÀíÈË¿É
¸ù¾Ý»ù½ð×ʲú×éºÏÇé¿ö£¬¾ö¶¨È«¶îת³ö»ò²¿·Öת³ö£¬²¢ÇÒ¶ÔÓÚ»ù½ðת³öºÍ»ù½ðÊê
»Ø£¬½«²ÉÈ¡ÏàͬµÄ±ÈÀýÈ·ÈÏ£¨³ýÁíÓй«¸æÍ⣩£»ÔÚת³öÉêÇëµÃµ½²¿·ÖÈ·ÈϵÄÇé¿ö
Ï£¬Î´È·ÈϵÄת³öÉêÇ뽫²»ÓèÒÔ˳ÑÓ¡£
8£©Í¶×ÊÕß°ìÀí»ù½ðת»»ÒµÎñʱ£¬×ª³ö·½µÄ»ù½ð±ØÐë´¦ÓÚ¿ÉÊê»Ø״̬£¬×ªÈë
·½µÄ»ù½ð±ØÐë´¦ÓÚ¿ÉÉ깺״̬¡£
9£©×ª»»ÒµÎñ×ñÑ¡°ÏȽøÏȳö¡±µÄÒµÎñ¹æÔò£¬¼´·Ý¶î×¢²áÈÕÆÚÔÚÇ°µÄÏÈת»»
³ö£¬·Ý¶î×¢²áÈÕÆÚÔÚºóµÄºóת»»³ö£¬Èç¹ûת»»ÉêÇëµ±ÈÕ£¬Í¬Ê±ÓÐÊê»ØÉêÇëµÄÇé¿ö
Ï£¬Ôò×ñÑÏÈÊê»Øºóת»»µÄ´¦ÀíÔÔò¡£
10£©¾ßÌå·Ý¶îÒÔ×¢²áµÇ¼Ç»ú¹¹µÄ¼Ç¼Ϊ׼£¬×ªÈë·Ý¶îµÄ¼ÆËã½á¹û±£ÁôλÊýÒÀ
ÕÕ¸÷»ù½ðµÄ¡¶ÕÐļ˵Ã÷Êé¡·£¨º¬¸üУ©µÄ¹æ¶¨¡£ÆäÖÐתÈë±¾»ù½ðµÄ·Ý¶î¼ÆËã½á¹û
±£Áôµ½Ð¡ÊýµãºóÁ½Î»£¬Ð¡ÊýµãºóÁ½Î»ÒÔºóµÄ²¿·ÖËÄÉáÎåÈ룬ÓÉ´ËÎó²î²úÉúµÄËðʧ
ÓÉ»ù½ð²Æ²ú³Ðµ££¬²úÉúµÄÊÕÒæ¹é»ù½ð²Æ²úËùÓС£
£¨3£©»ù½ðת»»µÄ×¢²áµÇ¼Ç
Ͷ×ÊÕßTÈÕÉêÇë»ù½ðת»»³É¹¦ºó£¬×¢²áµÇ¼Ç»ú¹¹½«ÔÚT+1¹¤×÷ÈÕΪͶ×ÊÕß°ì
Àí¼õÉÙת³ö»ù½ð·Ý¶î¡¢Ôö¼ÓתÈë»ù½ð·Ý¶îµÄȨÒæµÇ¼ÇÊÖÐø£¬Ò»°ãÇé¿öÏ£¬Í¶×ÊÕß
×ÔT+2¹¤×÷ÈÕÆðÓÐȨÊê»ØתÈ벿·ÖµÄ»ù½ð·Ý¶î¡£
£¨4£©ÔÝÍ£»ù½ðת»»µÄÇéÐÎ
·¢ÉúÏÂÁÐÇé¿öʱ£¬»ù½ð¹ÜÀíÈ˿ɾܾø»òÔÝÍ£½ÓÊÜ»ù½ðͶ×ÊÕßµÄת»»ÉêÇ룺
1£©Òò²»¿É¿¹Á¦µ¼Ö»ù½ðÎÞ·¨Õý³£ÔË×÷»òÒò²»¿É¿¹Á¦µ¼Ö»ù½