{"id":173,"date":"2025-06-30T14:42:27","date_gmt":"2025-06-30T06:42:27","guid":{"rendered":"https:\/\/www.daikuanbaike.com\/?p=173"},"modified":"2025-06-30T14:42:27","modified_gmt":"2025-06-30T06:42:27","slug":"%e8%b4%b7%e6%ac%be%e5%88%a9%e7%8e%87%e6%80%8e%e4%b9%88%e8%ae%a1%e7%ae%97%ef%bc%9f%e4%b8%80%e6%96%87%e6%90%9e%e6%87%82%e5%88%a9%e6%81%af%e8%ae%a1%e7%ae%97%e8%a7%84%e5%88%99","status":"publish","type":"post","link":"https:\/\/www.daikuanbaike.com\/index.php\/2025\/06\/30\/%e8%b4%b7%e6%ac%be%e5%88%a9%e7%8e%87%e6%80%8e%e4%b9%88%e8%ae%a1%e7%ae%97%ef%bc%9f%e4%b8%80%e6%96%87%e6%90%9e%e6%87%82%e5%88%a9%e6%81%af%e8%ae%a1%e7%ae%97%e8%a7%84%e5%88%99\/","title":{"rendered":"\u200b\u200b\u8d37\u6b3e\u5229\u7387\u600e\u4e48\u8ba1\u7b97\uff1f\u4e00\u6587\u641e\u61c2\u5229\u606f\u8ba1\u7b97\u89c4\u5219\u200b"},"content":{"rendered":"<p>\u200b<\/p>\n<p>\u65e0\u8bba\u662f\u623f\u8d37\u3001\u8f66\u8d37\u8fd8\u662f\u7ecf\u8425\u8d37\uff0c\u8d37\u6b3e\u5229\u7387\u90fd\u662f\u51b3\u5b9a\u8fd8\u6b3e\u538b\u529b\u7684\u6838\u5fc3\u56e0\u7d20\u3002\u4f46\u9762\u5bf9\u201c\u5e74\u5229\u7387\u201d\u201c\u6708\u5229\u7387\u201d\u201c\u65e5\u5229\u7387\u201d\u4ee5\u53ca\u7b49\u989d\u672c\u606f\u3001\u7b49\u989d\u672c\u91d1\u7b49\u590d\u6742\u6982\u5ff5\uff0c\u5f88\u591a\u4eba\u5bf9\u201c\u5229\u606f\u600e\u4e48\u7b97\u201d\u4ecd\u4e00\u5934\u96fe\u6c34\u3002\u4e0b\u9762\u7528\u6700\u76f4\u767d\u7684\u65b9\u5f0f\uff0c\u62c6\u89e3\u8d37\u6b3e\u5229\u7387\u7684\u8ba1\u7b97\u903b\u8f91\u3002<\/p>\n<hr \/>\n<h3>\u200b<strong>\u200b\u4e00\u3001\u5229\u7387\u7684\u201c\u6362\u7b97\u516c\u5f0f\u201d\uff1a\u7edf\u4e00\u5ea6\u91cf\u8861\u200b<\/strong>\u200b<\/h3>\n<p>\u8d37\u6b3e\u5229\u7387\u901a\u5e38\u4ee5\u4e09\u79cd\u5f62\u5f0f\u5448\u73b0\uff0c\u4e09\u8005\u53ef\u4e92\u76f8\u8f6c\u6362\uff1a<\/p>\n<ul>\n<li>\u200b<strong>\u200b\u5e74\u5229\u7387\u200b<\/strong>\u200b\uff1a\u4ee5\u5e74\u4e3a\u5355\u4f4d\u8ba1\u7b97\u7684\u5229\u7387\uff08\u5982\u94f6\u884c\u6807\u6ce8\u7684\u201c\u5e74\u5229\u73875%\u201d\uff09\uff1b<\/li>\n<li>\u200b<strong>\u200b\u6708\u5229\u7387\u200b<\/strong>\u200b\uff1a\u5e74\u5229\u7387\u00f712\uff08\u59825%\u5e74\u5229\u7387\u2192\u6708\u5229\u7387=5%\u00f712\u22480.4167%\uff09\uff1b<\/li>\n<li>\u200b<strong>\u200b\u65e5\u5229\u7387\u200b<\/strong>\u200b\uff1a\u5e74\u5229\u7387\u00f7360\uff08\u94f6\u884c\u8ba1\u606f\u60ef\u4f8b\uff0c\u975e365\u5929\uff09\uff08\u59825%\u5e74\u5229\u7387\u2192\u65e5\u5229\u7387=5%\u00f7360\u22480.0139%\uff09\u3002<\/li>\n<\/ul>\n<p>\u200b<strong>\u200b\u793a\u4f8b\u200b<\/strong>\u200b\uff1a\u82e5\u8d37\u6b3e\u5e74\u5229\u7387\u4e3a6%\uff0c\u5219\u6708\u5229\u7387=6%\u00f712=0.5%\uff0c\u65e5\u5229\u7387=6%\u00f7360\u22480.0167%\u3002<\/p>\n<hr \/>\n<h3>\u200b<strong>\u200b\u4e8c\u3001\u5229\u606f\u7684\u201c\u8ba1\u7b97\u65b9\u5f0f\u201d\uff1a\u56db\u79cd\u5e38\u89c1\u573a\u666f\u200b<\/strong>\u200b<\/h3>\n<h4>\u200b<strong>\u200b1. \u7b49\u989d\u672c\u606f\uff1a\u6bcf\u6708\u8fd8\u6b3e\u989d\u56fa\u5b9a\u200b<\/strong>\u200b<\/h4>\n<p>\u6bcf\u6708\u8fd8\u6b3e\u989d\u5305\u542b\u672c\u91d1\u548c\u5229\u606f\uff0c\u524d\u671f\u5229\u606f\u5360\u6bd4\u9ad8\uff0c\u672c\u91d1\u5360\u6bd4\u9010\u6708\u9012\u589e\u3002\u8ba1\u7b97\u516c\u5f0f\u8f83\u590d\u6742\uff0c\u53ef\u76f4\u63a5\u7528Excel\u516c\u5f0f\u6216\u8d37\u6b3e\u8ba1\u7b97\u5668\uff1a<\/p>\n<ul>\n<li>\u200b<strong>\u200b\u6bcf\u6708\u8fd8\u6b3e\u989d\u200b<\/strong>\u200b = [\u8d37\u6b3e\u672c\u91d1\u00d7\u6708\u5229\u7387\u00d7(1+\u6708\u5229\u7387)^\u8fd8\u6b3e\u6708\u6570]\u00f7[(1+\u6708\u5229\u7387)^\u8fd8\u6b3e\u6708\u6570-1]<\/li>\n<li>\u200b<strong>\u200b\u603b\u5229\u606f\u200b<\/strong>\u200b = \u6bcf\u6708\u8fd8\u6b3e\u989d\u00d7\u8fd8\u6b3e\u6708\u6570 &#8211; \u8d37\u6b3e\u672c\u91d1<\/li>\n<\/ul>\n<p>\u200b<strong>\u200b\u793a\u4f8b\u200b<\/strong>\u200b\uff1a\u8d37\u6b3e100\u4e07\u5143\uff0c\u5e74\u5229\u73875%\uff08\u6708\u5229\u7387\u22480.4167%\uff09\uff0c\u671f\u965030\u5e74\uff08360\u4e2a\u6708\uff09\uff1a<br \/>\n\u6bcf\u6708\u8fd8\u6b3e\u989d\u22485368\u5143\uff0c\u603b\u5229\u606f\u224893.25\u4e07\u5143\u3002<\/p>\n<h4>\u200b<strong>\u200b2. \u7b49\u989d\u672c\u91d1\uff1a\u6bcf\u6708\u5f52\u8fd8\u56fa\u5b9a\u672c\u91d1+\u5269\u4f59\u5229\u606f\u200b<\/strong>\u200b<\/h4>\n<p>\u6bcf\u6708\u5f52\u8fd8\u56fa\u5b9a\u672c\u91d1\uff0c\u5229\u606f\u968f\u5269\u4f59\u672c\u91d1\u51cf\u5c11\u800c\u9012\u51cf\uff0c\u603b\u5229\u606f\u4f4e\u4e8e\u7b49\u989d\u672c\u606f\u3002<\/p>\n<ul>\n<li>\u200b<strong>\u200b\u6bcf\u6708\u8fd8\u6b3e\u989d\u200b<\/strong>\u200b =\uff08\u8d37\u6b3e\u672c\u91d1\u00f7\u8fd8\u6b3e\u6708\u6570\uff09+\uff08\u8d37\u6b3e\u672c\u91d1-\u5df2\u8fd8\u672c\u91d1\u7d2f\u8ba1\u989d\uff09\u00d7\u6708\u5229\u7387<\/li>\n<li>\u200b<strong>\u200b\u603b\u5229\u606f\u200b<\/strong>\u200b =\uff08\u8fd8\u6b3e\u6708\u6570+1\uff09\u00d7\u8d37\u6b3e\u672c\u91d1\u00d7\u6708\u5229\u7387\u00f72<\/li>\n<\/ul>\n<p>\u200b<strong>\u200b\u793a\u4f8b\u200b<\/strong>\u200b\uff1a\u540c\u4e0a\u6761\u4ef6\uff08100\u4e07\u30015%\u300130\u5e74\uff09\uff1a<br \/>\n\u9996\u6708\u8fd8\u6b3e\u22486861\u5143\uff08\u672c\u91d12778\u5143+\u5229\u606f4083\u5143\uff09\uff0c\u672b\u6708\u8fd8\u6b3e\u22482780\u5143\uff08\u672c\u91d12778\u5143+\u5229\u606f12\u5143\uff09\uff0c\u603b\u5229\u606f\u224875.21\u4e07\u5143\u3002<\/p>\n<h4>\u200b<strong>\u200b3. \u6309\u65e5\u8ba1\u606f\uff1a\u6309\u5b9e\u9645\u5929\u6570\u8ba1\u7b97\u5229\u606f\u200b<\/strong>\u200b<\/h4>\n<p>\u5e38\u89c1\u4e8e\u77ed\u671f\u8d37\u6b3e\uff08\u5982\u8fc7\u6865\u8d37\u3001\u4fe1\u7528\u5361\u53d6\u73b0\uff09\uff0c\u5229\u606f=\u8d37\u6b3e\u672c\u91d1\u00d7\u65e5\u5229\u7387\u00d7\u5b9e\u9645\u5929\u6570\u3002<br \/>\n\u200b<strong>\u200b\u793a\u4f8b\u200b<\/strong>\u200b\uff1a\u8d37\u6b3e10\u4e07\u5143\uff0c\u65e5\u5229\u73870.05%\uff0c\u7528\u6b3e10\u5929\uff1a\u5229\u606f=10\u4e07\u00d70.05%\u00d710=500\u5143\u3002<\/p>\n<h4>\u200b<strong>\u200b4. \u5148\u606f\u540e\u672c\uff1a\u524d\u671f\u53ea\u8fd8\u5229\u606f\uff0c\u5230\u671f\u8fd8\u672c\u91d1\u200b<\/strong>\u200b<\/h4>\n<p>\u6bcf\u6708\u53ea\u8fd8\u5229\u606f\uff0c\u5230\u671f\u4e00\u6b21\u6027\u5f52\u8fd8\u672c\u91d1\uff0c\u8d44\u91d1\u5229\u7528\u7387\u9ad8\uff0c\u4f46\u5230\u671f\u9700\u5907\u8db3\u672c\u91d1\u3002<\/p>\n<ul>\n<li>\u200b<strong>\u200b\u6bcf\u6708\u5229\u606f\u200b<\/strong>\u200b = \u8d37\u6b3e\u672c\u91d1\u00d7\u6708\u5229\u7387<\/li>\n<li>\u200b<strong>\u200b\u603b\u5229\u606f\u200b<\/strong>\u200b = \u8d37\u6b3e\u672c\u91d1\u00d7\u6708\u5229\u7387\u00d7\u8fd8\u6b3e\u6708\u6570<\/li>\n<\/ul>\n<p>\u200b<strong>\u200b\u793a\u4f8b\u200b<\/strong>\u200b\uff1a\u8d37\u6b3e50\u4e07\u5143\uff0c\u5e74\u5229\u73876%\uff08\u6708\u5229\u73870.5%\uff09\uff0c\u671f\u96501\u5e74\uff1a<br \/>\n\u6bcf\u6708\u5229\u606f=50\u4e07\u00d70.5%=2500\u5143\uff0c\u603b\u5229\u606f=2500\u00d712=3\u4e07\u5143\u3002<\/p>\n<hr \/>\n<h3>\u200b<strong>\u200b\u4e09\u3001\u5173\u952e\u6ce8\u610f\u4e8b\u9879\u200b<\/strong>\u200b<\/h3>\n<ol>\n<li>\u200b<strong>\u200b\u5229\u7387\u7c7b\u578b\u200b<\/strong>\u200b\uff1a\u786e\u8ba4\u662f\u56fa\u5b9a\u5229\u7387\uff08\u5168\u7a0b\u4e0d\u53d8\uff09\u8fd8\u662f\u6d6e\u52a8\u5229\u7387\uff08\u968f\u5e02\u573a\u8c03\u6574\uff09\uff1b<\/li>\n<li>\u200b<strong>\u200b\u8fd8\u6b3e\u65b9\u5f0f\u200b<\/strong>\u200b\uff1a\u7b49\u989d\u672c\u606f\u603b\u5229\u606f\u9ad8\u4f46\u6708\u4f9b\u7a33\uff0c\u7b49\u989d\u672c\u91d1\u603b\u5229\u606f\u4f4e\u4f46\u524d\u671f\u538b\u529b\u5927\uff1b<\/li>\n<li>\u200b<strong>\u200b\u9690\u6027\u6210\u672c\u200b<\/strong>\u200b\uff1a\u90e8\u5206\u8d37\u6b3e\u9700\u652f\u4ed8\u624b\u7eed\u8d39\u3001\u8fdd\u7ea6\u91d1\u7b49\uff0c\u9700\u6298\u7b97\u4e3a\u5b9e\u9645\u5229\u7387\uff08IRR\uff09\uff1b<\/li>\n<li>\u200b<strong>\u200b\u63d0\u524d\u8fd8\u6b3e\u200b<\/strong>\u200b\uff1a\u90e8\u5206\u94f6\u884c\u5bf9\u63d0\u524d\u8fd8\u6b3e\u6536\u53d6\u8fdd\u7ea6\u91d1\uff08\u59821%-3%\uff09\uff0c\u9700\u63d0\u524d\u786e\u8ba4\u3002<\/li>\n<\/ol>\n<hr \/>\n<p>\u200b<strong>\u200b\u603b\u7ed3\u200b<\/strong>\u200b\uff1a\u8d37\u6b3e\u5229\u7387\u8ba1\u7b97\u7684\u6838\u5fc3\u662f\u201c\u672c\u91d1\u00d7\u5229\u7387\u00d7\u65f6\u95f4\u201d\uff0c\u4f46\u8fd8\u6b3e\u65b9\u5f0f\u4e0d\u540c\u4f1a\u5bfc\u81f4\u5229\u606f\u5dee\u5f02\u663e\u8457\u3002\u529e\u7406\u8d37\u6b3e\u65f6\uff0c\u52a1\u5fc5\u660e\u786e\u5229\u7387\u7c7b\u578b\u3001\u8fd8\u6b3e\u65b9\u5f0f\u53ca\u9644\u52a0\u8d39\u7528\uff0c\u7528\u8d37\u6b3e\u8ba1\u7b97\u5668\u6216\u54a8\u8be2\u94f6\u884c\u6d4b\u7b97\u771f\u5b9e\u6210\u672c\uff0c\u907f\u514d\u201c\u4f4e\u5229\u7387\u9677\u9631\u201d\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u200b \u65e0\u8bba\u662f\u623f\u8d37\u3001\u8f66\u8d37\u8fd8\u662f\u7ecf\u8425\u8d37\uff0c\u8d37\u6b3e\u5229\u7387\u90fd\u662f\u51b3\u5b9a\u8fd8\u6b3e\u538b\u529b\u7684\u6838\u5fc3\u56e0\u7d20\u3002\u4f46\u9762\u5bf9\u201c\u5e74\u5229\u7387\u201d\u201c\u6708\u5229\u7387\u201d\u201c\u65e5\u5229\u7387\u201d\u4ee5\u53ca\u7b49 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