{"id":65805,"date":"2025-01-20T03:26:52","date_gmt":"2025-01-19T19:26:52","guid":{"rendered":"https:\/\/0592ban.cn\/?p=65805"},"modified":"2025-01-20T03:26:52","modified_gmt":"2025-01-19T19:26:52","slug":"2021%e5%b9%b43%e6%9c%88%e9%93%b6%e8%a1%8c%e5%90%8c%e6%9c%9f%e8%b4%b7%e6%ac%be%e5%88%a9%e7%8e%87-2021%e5%b9%b43d%e5%bc%80%e5%a5%96%e7%bb%93%e6%9e%9c%e5%85%a8%e5%b9%b4%e6%9f%a5%e8%af%a2","status":"publish","type":"post","link":"https:\/\/0592ban.cn\/index.php\/2025\/01\/20\/2021%e5%b9%b43%e6%9c%88%e9%93%b6%e8%a1%8c%e5%90%8c%e6%9c%9f%e8%b4%b7%e6%ac%be%e5%88%a9%e7%8e%87-2021%e5%b9%b43d%e5%bc%80%e5%a5%96%e7%bb%93%e6%9e%9c%e5%85%a8%e5%b9%b4%e6%9f%a5%e8%af%a2\/","title":{"rendered":"2021\u5e743\u6708\u94f6\u884c\u540c\u671f\u8d37\u6b3e\u5229\u7387 (2021\u5e743d\u5f00\u5956\u7ed3\u679c\u5168\u5e74\u67e5\u8be2)"},"content":{"rendered":"<p><img decoding=\"async\" alt=\"2021\u5e743d\u5f00\u5956\u7ed3\u679c\u5168\u5e74\u67e5\u8be2\" loading=\"lazy\" src=\"https:\/\/0592ban.cn\/wp-content\/uploads\/2025\/01\/5f16ad74-ec82-47ca-afa0-51531fed8840.jpg\"\/><\/p>\n<p>\n \u6839\u636e\u4e2d\u56fd\u4eba\u6c11\u94f6\u884c\u5b98\u7f51\u4fe1\u606f\uff0c2021\u5e743\u6708\u8d37\u6b3e\u5e02\u573a\u62a5\u4ef7\u5229\u7387\uff08LPR\uff09\u5982\u4e0b\uff1a\n<\/p>\n<ul>\n<li>\n  \u4e00\u5e74\u671fLPR\uff1a3.85%\n <\/li>\n<li>\n  \u4e94\u5e74\u671f\u4ee5\u4e0aLPR\uff1a4.65%\n <\/li>\n<\/ul>\n<p>\n LPR\u5229\u7387\u67e5\u8be2\n<\/p>\n<p>\n LPR\u5229\u7387\u6bcf\u670820\u65e5\u76849\u70b930\u5206\u516c\u5e03\uff0c\u8282\u5047\u65e5\u987a\u5ef6\u3002\u53ef\u901a\u8fc7\u4ee5\u4e0b\u6e20\u9053\u67e5\u8be2LPR\u5229\u7387\uff1a\n<\/p>\n<ul>\n<li>\n  <a href=\"https:\/\/www.cib.com.cn\/cn\/money-market\/shibor-libor\/\"><br \/>\n   \u5168\u56fd\u94f6\u884c\u95f4\u540c\u4e1a\u62c6\u501f\u4e2d\u5fc3\u5b98\u7f51<br \/>\n  <\/a>\n <\/li>\n<p> 5.7%<\/p>\n<li>\n  \u6708\u5229\u7387\uff1a\u5e74\u5229\u7387 \/ 12 = 0.475%\n <\/li>\n<\/ul>\n<p>\n \u53ef\u8ba1\u7b97\u6708\u8fd8\u6b3e\u989d\uff1a\n<\/p>\n<p>&#8220;`<br \/>\n  \u6708\u8fd8\u6b3e\u989d = \u8d37\u6b3e\u989d  \u6708\u5229\u7387 \/ [1 &#8211; (1 + \u6708\u5229\u7387)^-\u8fd8\u6b3e\u6708\u6570]<br \/>\n  \u6708\u8fd8\u6b3e\u989d = 350000  0.475% \/ [1 &#8211; (1 + 0.475%)^-240]<br \/>\n  \u6708\u8fd8\u6b3e\u989d = 2,447.31\u5143<br \/>\n  &#8220;`<\/p>\n<p>\n \u8fd8\u6b3e\u603b\u989d\u4e3a\uff1a587,354.97\u5143\n<\/p>\n<p>\n \u5229\u606f\u603b\u989d\u4e3a\uff1a237,354.97\u5143\n<\/p>\n<p>\n 2021\u5e74\u5546\u8d37\u5229\u7387\n<\/p>\n<p>\n \u5546\u8d37\u5229\u7387\u7531\u5404\u5546\u4e1a\u94f6\u884c\u53c2\u7167\u592e\u884c\u8d37\u6b3e\u57fa\u51c6\u5229\u7387\u5e76\u6839\u636e\u5f53\u5730\u60c5\u51b5\u8c03\u6574\u5f62\u6210\u30022021\u5e743\u6708\u8d37\u6b3e\u5e02\u573a\u62a5\u4ef7\u5229\u7387\uff08LPR\uff09\u4e3a\uff1a\n<\/p>\n<ul>\n<li>\n  \u4e00\u5e74\u671fLPR\uff1a3.85%\n <\/li>\n<li>\n  \u4e94\u5e74\u671f\u4ee5\u4e0aLPR\uff1a4.65%\n <\/li>\n<\/ul>\n<p>\n \u5177\u4f53\u7684\u5546\u8d37\u5229\u7387\u4f1a\u6309\u7167\u6700\u8fd1\u4e00\u4e2a\u6708\u76f8\u5e94\u671f\u9650\u7684LPR\u4e3a\u5b9a\u4ef7\u57fa\u51c6\u52a0\u70b9\u5f62\u6210\uff0c\u5177\u4f53\u52a0\u70b9\u6570\u503c\u7531\u5404\u94f6\u884c\u81ea\u884c\u51b3\u5b9a\u3002\n<\/p>\n<p>\n 2021\u5e74\u5404\u5927\u94f6\u884c\u8d37\u6b3e\u5229\u7387\u4e00\u89c8\u8868\n<\/p>\n<table border=\"1\" cellpadding=\"5\" cellspacing=\"0\">\n<thead>\n<tr>\n<th>\n    \u94f6\u884c\n   <\/th>\n<th>\n    \u4e00\u5e74\u671f\u8d37\u6b3e\u5229\u7387\n   <\/th>\n<th>\n    \u4e94\u5e74\u671f\u4ee5\u4e0a\u8d37\u6b3e\u5229\u7387\n   <\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n    \u5efa\u8bbe\u94f6\u884c\n   <\/td>\n<td>\n    5.9%\n   <\/td>\n<td>\n    6.0%\n   <\/td>\n<\/tr>\n<tr>\n<td>\n    \u5de5\u5546\u94f6\u884c\n   <\/td>\n<td>\n    5.95%\n   <\/td>\n<td>\n    6.05%\n   <\/td>\n<\/tr>\n<tr>\n<td>\n    \u519c\u4e1a\u94f6\u884c\n   <\/td>\n<td>\n    6.0%\n   <\/td>\n<td>\n    6.1%\n   <\/td>\n<\/tr>\n<tr>\n<td>\n    \u4e2d\u56fd\u94f6\u884c\n   <\/td>\n<td>\n    5.95%\n   <\/td>\n<td>\n    6.05%\n   <\/td>\n<\/tr>\n<tr>\n<td>\n    \u4ea4\u901a\u94f6\u884c\n   <\/td>\n<td>\n    5.95%\n   <\/td>\n<td>\n    6.05%\n   <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\n \u6ce8\uff1a\u672c\u6570\u636e\u4ec5\u4f9b\u53c2\u8003\uff0c\u5177\u4f53\u8d37\u6b3e\u5229\u7387\u8bf7\u4ee5\u5404\u94f6\u884c\u5b9e\u9645\u6267\u884c\u4e3a\u51c6\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u6839\u636e\u4e2d\u56fd\u4eba\u6c11\u94f6\u884c\u5b98\u7f51\u4fe1\u606f\uff0c2021\u5e743\u6708\u8d37\u6b3e\u5e02\u573a\u62a5\u4ef7\u5229\u7387\uff0cLPR\uff0c\u5982\u4e0b\uff0c\u4e00\u5e74\u671fLPR\uff0c3.85%\u4e94\u5e74\u671f\u4ee5\u4e0aLPR\uff0c4.65%LPR\u5229\u7387\u67e5\u8be2LPR\u5229\u7387\u6bcf\u670820\u65e5\u76849\u70b930\u5206\u516c\u5e03\uff0c\u8282\u5047\u65e5\u987a\u5ef6\uff0c\u53ef\u901a\u8fc7\u4ee5\u4e0b\u6e20\u9053\u67e5\u8be2LPR\u5229\u7387\uff0c\u5168\u56fd\u94f6\u884c\u95f4\u540c\u4e1a\u62c6\u501f\u4e2d\u5fc3\u5b98\u7f515.7%\u6708\u5229\u7387\uff0c\u5e74\u5229\u7387\uff0c12=0.475%\u53ef\u8ba1\u7b97\u6708\u8fd8\u6b3e\u989d\uff0c&#8220;`\u6708\u8fd8\u6b3e\u989d=\u8d37\u6b3e\u989d\u6708\u5229\u7387\uff0c[1&#8230;\u3002<\/p>\n","protected":false},"author":1,"featured_media":65804,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[28755],"class_list":["post-65805","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-12shengxiao","tag-28755"],"_links":{"self":[{"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/posts\/65805","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/comments?post=65805"}],"version-history":[{"count":1,"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/posts\/65805\/revisions"}],"predecessor-version":[{"id":65806,"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/posts\/65805\/revisions\/65806"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/media\/65804"}],"wp:attachment":[{"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/media?parent=65805"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/categories?post=65805"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/tags?post=65805"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}