鏈熻波寰炴キ(y猫)娉曞緥娉曡(gu墨)閲嶉粸(di菐n)

鍏紡涓€銆佹湡杞�(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)

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)绋嬩腑锛岃卜鏂瑰強璩ｆ柟(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簩姝ワ紝闆欐柟浠�“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�銆�

鍓囨渶绲�锛岃卜鏂圭殑(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�锛�

璩ｆ柟鐨�(瀵�(sh铆)闅�)閵峰敭鍍�(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)鏂瑰紡涓嬶紱

鍙﹀锛屽湪鍒版湡浜ゅ壊涓紝璩ｆ柟閭勫瓨鍦ㄤ竴鍊�(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鍞垚鏈偤锛氬(sh铆)闅涢姺鍞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锛�

鑰岃卜鏂瑰墖涓嶅瓨鍦ㄤ氦鍓叉垚鏈�銆�

鍏紡浜�銆佹湡璨ㄨ卜璩ｇ泩铏у強鎸佸€�(c膩ng)鐩堣櫑鐨勮▓(j矛)绠�

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

ps锛氬垎娓呯暥(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�

鍏紡涓�銆佸熀宸氦鏄撶殑瑷�(j矛)绠�

A寮勬竻妤氬熀宸氦鏄撶殑瀹氱京锛�

B璨锋柟鍙児(ji脿)鏂瑰紡涓€鑸垏璩ｆ湡淇濆€奸厤鍚堬紱璩ｆ柟鍙児(ji脿)鏂瑰紡涓€鑸垏璨锋湡淇濆€奸厤鍚�锛�

C鏈€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�

鍏紡鍥涖€佸皣渚�(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�)锛氬皣渚�(l谩i)鍊�=鐝�(xi脿n)鍊�*(1+骞村埄鐜�*骞存暩(sh霉))

A.涓€鑸鐩腑鏈�(hu矛)鍛婄煡绁ㄩ潰閲戦鑸囩エ闈㈠埄鐜囷紝鍓囦互閫欏叐鍊�(g猫)姊濅欢鍗冲彲瑷�(j矛)绠楀嚭锛氬皣渚�(l谩i)鍊�=绁ㄩ潰閲戦*(1+绁ㄩ潰鍒╃巼)——鍋囪ō(sh猫)鐐�1骞存湡

B.鍥犵煭鏈熸啈璀変竴鑸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

鍏紡浜斻€佽綁(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)浜ゅ壊鍝侊紝鍙悊瑙ｇ偤瀹冪殑杞�(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锛屽墖璨锋柟闇€瑕佹敮浠樼殑閲戦=X÷Y(寰堟儭鍔ｇ殑琛ㄩ仈(d谩)寮�)銆傚€�(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�

鍏紡鍏€佺煭鏈熷湅(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�

鎴愪氦鍍�(ji脿)=闈㈠€�*[1-(100-鍫�(b脿o)鍍�(ji脿))/4]

鍏紡涓�銆�β绯绘暩(sh霉)

A.涓€鍊�(g猫)鑲＄エ绲勫悎鐨�β绯绘暩(sh霉)锛岃〃鏄庤┎绲勫悎鐨勬疾璺屾槸鎸囨暩(sh霉)婕茶穼鐨�β鍊�锛涘嵆β=鑲＄エ婕茶穼骞�/鑲℃寚婕茶穼骞�

B.鑲＄エ绲勫悎鐨勫児(ji脿)鍊艰垏鎸囨暩(sh霉)鍚堢磩鐨勫児(ji脿)鍊奸枔鐨勯棞(gu膩n)绯伙細β=鑲℃寚鍚堢磩绺藉児(ji脿)鍊�/鑲＄エ绲勫悎绺藉児(ji脿)鍊�=鏈熻波绺藉€�/鐝�(xi脿n)璨ㄧ附鍊�

鍏紡鍏€侀仩(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)(鏇镐笂渚嬮)

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╁拰锛�

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)绠楋細鐝�(xi脿n)鍊�/灏�(du矛)鎳�(y墨ng)榛�(di菐n)鏁�(sh霉)=閬�(yu菐n)鏈熷悎鐞嗗児(ji脿)鏍�/閬�(yu菐n)鏈熷皪(du矛)鎳�(y墨ng)榛�(di菐n)鏁�(sh霉)銆�

鍏紡涔濄€佺劇(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�*[1+(骞村埄鎭巼-骞存寚鏁�(sh霉)鑲℃伅鐜�)*鏈熼枔闀�(zh菐ng)搴�(澶�)/365]

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�锛岀附浜ゆ槗鎴愭湰=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)*鍊熻哺鍒╃巼宸�*鍊熻哺鏈熼枔(鏈�)/12

鍏紡鍗�銆佸瀭鐩村鍒╃殑鐩搁棞(gu膩n)瑷�(j矛)绠楋細涓昏瑷庤珫鍨傜洿濂楀埄涓殑鏈€澶чⅷ(f膿ng)闅�(xi菐n)銆佹渶澶ф敹鐩婂強鐩堣櫑骞宠　榛�(di菐n)鐨勮▓(j矛)绠�

鏈瑷�(j矛)绠椾腑涓昏娑夊強鍒扮殑璁婇噺鐐猴細楂�銆佷綆鍩�(zh铆)琛屽児(ji脿)鏍硷紝鍑堟瑠(qu谩n)鍒╅噾锛�

鍏朵腑锛屽噲娆�(qu谩n)鍒╅噾=鏀跺彇鐨勬瑠(qu谩n)鍒╅噾-鏀嚭鐨勬瑠(qu谩n)鍒╅噾锛屽墖娆�(qu谩n)鍒╅噾鍙鍙矤(f霉)锛�

濡傛灉鏌愪竴绛栫暐涓噲娆�(qu谩n)鍒╅噾鐐鸿矤(f霉)鍊�锛屽墖琛ㄦ槑瑭茬瓥鐣ョ殑鏈€澶чⅷ(f膿ng)闅�(xi菐n)=鍑堟瑠(qu谩n)閲�(鍙栫禃灏�(du矛)鍊�)

鐩告噳(y墨ng)鐨勬渶澶ф敹鐩�=鍩�(zh铆)琛屽児(ji脿)鏍煎樊-鍑堟瑠(qu谩n)閲�(鍙栫禃灏�(du矛)鍊�)

濡傛灉鏌愪竴绛栫暐涓噲娆�(qu谩n)鍒╅噾鐐烘鍊�锛屽墖瑭茬瓥鐣ョ殑鏈€澶ф敹鐩�=鍑堟瑠(qu谩n)閲�

鐩告噳(y墨ng)鐨勬渶澶чⅷ(f膿ng)闅�(xi菐n)=鍩�(zh铆)琛屽児(ji脿)鏍煎樊-鍑堟瑠(qu谩n)閲�

绺界祼(ji茅)锛氶鍏堥€氶亷(gu貌)鍑堟瑠(qu谩n)閲戠殑姝ｈ矤(f霉)渚�(l谩i)鍒ゆ柗鍑堟瑠(qu谩n)閲戠偤鏈€澶чⅷ(f膿ng)闅�(xi菐n)閭勬槸鏈€澶ф敹鐩�

鍏舵锛岄€氶亷(gu貌)鍑堟瑠(qu谩n)閲戠偤棰�(f膿ng)闅�(xi菐n)鎴栨敹鐩�锛屼締(l谩i)纰哄畾鐩告噳(y墨ng)鐨勬敹鐩婃垨棰�(f膿ng)闅�(xi菐n)锛屽嵆绛変簬鍩�(zh铆)琛屽児(ji脿)鏍煎樊-鍑堟瑠(qu谩n)閲�

濡傛灉绛栫暐鎿嶄綔鐨勬槸鐪嬫疾鏈熸瑠(qu谩n)锛屽墖骞宠　榛�(di菐n)=浣庡煼(zh铆)琛屽児(ji脿)鏍�+鍑堟瑠(qu谩n)閲�

濡傛灉绛栫暐鎿嶄綔鐨勬槸鐪嬭穼鏈熸瑠(qu谩n)锛屽墖骞宠　榛�(di菐n)=楂樺煼(zh铆)琛屽児(ji脿)鏍�-鍑堟瑠(qu谩n)閲�

鍏紡鍗佷竴銆佽綁(zhu菐n)鎻涘鍒╄垏鍙嶅悜杞�(zhu菐n)鎻涘鍒╃殑鍒╂饯(r霉n)瑷�(j矛)绠�

棣栧厛锛屾槑纰猴細鍑堟瑠(qu谩n)鍒╅噾=鏀跺埌鐨勬瑠(qu谩n)鍒╅噾-鏀嚭鐨勬瑠(qu谩n)鍒╅噾

鍓囨湁锛氳綁(zhu菐n)鎻涘鍒╃殑鍒╂饯(r霉n)=鍑堟瑠(qu谩n)鍒╅噾-(鏈熻波鍍�(ji脿)鏍�-鏈熸瑠(qu谩n)鍩�(zh铆)琛屽児(ji脿)鏍�)锛涙敞锛氭湡璨ㄥ児(ji脿)鏍兼寚寤哄€�(c膩ng)鏅�(sh铆)鐨勫児(ji脿)鏍�

鍙嶅悜杞�(zhu菐n)鎻涘鍒╃殑鍒╂饯(r霉n)=鍑堟瑠(qu谩n)鍒╅噾+(鏈熻波鍍�(ji脿)鏍�-鏈熸瑠(qu谩n)鍩�(zh铆)琛屽児(ji脿)鏍�)锛涙敞鎰忓紡涓偤鍔犺櫉(h脿o)

鎻愰啋涓€涓嬶紝鐒�(w煤)璜栬綁(zhu菐n)鎻涢倓鏄弽鍚戣綁(zhu菐n)鎻涘鍒�锛屾搷浣滀腑锛屾湡璨ㄧ殑鐨勬搷浣滄柟鍚戣垏鏈熸瑠(qu谩n)鐨勬搷浣滄柟鍚戦兘鏄浉鍙嶇殑銆�

杞�(zhu菐n)鎻涘鍒╋細璨峰叆鏈熻波——鐪嬪

璨峰叆鐪嬭穼銆佽常鍑虹湅婕叉湡娆�(qu谩n)——鐪嬬┖

鍙嶅悜杞�(zhu菐n)鎻涘鍒╋細璩ｅ嚭鏈熻波——鐪嬬┖

璨峰叆鐪嬫疾銆佽常鍑虹湅璺屾湡娆�(qu谩n)——鐪嬪

鍏紡鍗佷簩銆佽法寮忓鍒╃殑鎼嶇泩鍜屽钩琛￠粸(di菐n)瑷�(j矛)绠�

棣栧厛锛屾槑纰猴細绺芥瑠(qu谩n)鍒╅噾=鏀跺埌鐨勫叏閮ㄦ瑠(qu谩n)鍒╅噾(灏�(du矛)鎳�(y墨ng)鐨勬槸璩ｅ嚭璺ㄥ紡濂楀埄)鎴�=鏀粯鐨勫叏閮ㄦ瑠(qu谩n)鍒╅噾(灏�(du矛)鎳�(y墨ng)鐨勬槸璨峰叆璺ㄥ紡濂楀埄)

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