{"id":490,"date":"2019-07-18T16:44:31","date_gmt":"2019-07-18T08:44:31","guid":{"rendered":"https:\/\/www.finmonster.com\/blog\/?p=490"},"modified":"2020-11-13T16:16:02","modified_gmt":"2020-11-13T08:16:02","slug":"%e6%b7%ba%e8%ab%87%e4%bc%81%e6%a5%ad%e9%8a%80%e8%a1%8c%e6%9c%8d%e5%8b%99%ef%bc%88%ef%bc%92%ef%bc%89-%e6%b5%81%e5%8b%95%e8%b2%b8%e6%ac%be","status":"publish","type":"post","link":"https:\/\/www.finmonster.com\/blog\/2019\/07\/18\/%e6%b7%ba%e8%ab%87%e4%bc%81%e6%a5%ad%e9%8a%80%e8%a1%8c%e6%9c%8d%e5%8b%99%ef%bc%88%ef%bc%92%ef%bc%89-%e6%b5%81%e5%8b%95%e8%b2%b8%e6%ac%be\/","title":{"rendered":"\u6dfa\u8ac7\u4f01\u696d\u9280\u884c\u670d\u52d9\uff08\uff12\uff09\u2014\u6d41\u52d5\u8cb8\u6b3e"},"content":{"rendered":"\n<p>\u4e0a\u6587\u63d0\u5230\u8cbf\u6613\u670d\u52d9\uff0c\u672c\u6587\u5c07\u6703\u7e7c\u7e8c\u6dfa\u8ac7\u6d41\u52d5\u8cb8\u6b3e (Working\nCapital Loan)\u3002\u6d41\u52d5\u8cc7\u91d1\u65b9\u9762\uff0c\u4e00\u822c\u4f01\u696d\u9280\u884c\u53ef\u63d0\u4f9b\u900f\u652f (Overdraft\/ OD)\u3001\u5faa\u74b0\u8cb8\u6b3e (Revolving\nLoan)\u3001\u5206\u671f\u8cb8\u6b3e\n(Instalment Loan)\uff0c\u8996\u4e4e\u5ba2\u6236\u4fe1\u8cb8\u60c5\u6cc1\u548c\u5be6\u969b\u9700\u8981\u3002<\/p>\n\n\n\n<p>\u900f\u652f (Overdraft\/ OD)\uff1a\u5c0d\u4f01\u696d\u4f86\u8aaa\u5f48\u6027\u6700\u9ad8\uff0c\u9280\u884c\u63d0\u4f9b\u4e00\u7b46\u5b9a\u984d\u5099\u7528\u6b3e\u9805\uff0c\u5177\u5728\u96a8\u501f\u96a8\u9084\u7684\u7279\u6027\uff0c\u5ba2\u6236\u53ef\u4ee5\u6309\u7167\u9700\u8981\u76f4\u63a5\u63d0\u6b3e\uff0c\u4e0d\u9700\u8981\u63d0\u4f9b\u7528\u6b3e\u8b49\u660e\uff0c\u5229\u606f\u6309\u4f7f\u7528\u91d1\u984d\u9010\u5929\u8a08\u7b97\u3002\u7531\u65bc\u6c92\u6709\u7279\u5b9a\u7528\u9014\uff0c\u91d1\u984d\u4e00\u822c\u8f03\u5c11\uff0c\u800c\u5229\u606f\u6703\u6bd4\u4e00\u822c\u8cb8\u6b3e\u70ba\u9ad8\uff0c\u4e00\u822c\u6703\u5728\u6700\u512a\u60e0\u5229\u7387 (Prime Rate) \u6216\u4ee5\u4e0a\uff0c\u800c\u4e14\u4ea6\u6709\u53ef\u80fd\u9700\u8981\u652f\u4ed8\u627f\u8afe\u8cbb (Commitment Fee)\uff0c\u6309\u6c92\u6709\u4f7f\u7528\u7684\u984d\u5ea6\u90e8\u5206\uff0c\u652f\u4ed8\u4e00\u5b9a\u7684\u8cbb\u7528\u3002<br><br>\u5faa\u74b0\u8cb8\u6b3e (Revolving Loan)\uff1a\u9280\u884c\u6703\u5411\u4f01\u696d\u63d0\u4f9b\u4e00\u500b\u4fe1\u8cb8\u984d\u5ea6\uff0c\u5ba2\u6236\u53ef\u4ee5\u6309\u901a\u77e5\u671f (Notice Period\uff0c\u4e00\u822c\u70ba\u4e00\u81f3\u4e94\u500b\u5de5\u4f5c\u5929)\uff0c\u66f8\u9762\u544a\u77e5\u9280\u884c\u7684\u63d0\u6b3e\u9700\u6c42\u3001\u91d1\u984d\u3001\u8cb8\u6b3e\u671f(\u4e00\u822c\u70ba\u4e00\u81f3\u516d\u500b\u6708)\u548c\u5229\u606f\u671f(Interest Period\uff0c\u4e00\u822c\u70ba\u4e00\u3001\u4e09\u6216\u516d\u500b\u6708)\uff0c\u4fbf\u53ef\u63d0\u53d6\u8cb8\u6b3e\u3002\u6709\u4e9b\u8cb8\u6b3e\u689d\u4ef6\u6216\u6703\u8981\u6c42\u5ba2\u6236\u63d0\u4f9b\u7528\u6b3e\u8b49\u660e (Use of Proceed)\uff0c\u6216\u5c07\u6b3e\u9805\u8f49\u5230\u7b2c\u4e09\u65b9\uff0c\u8996\u4e4e\u96d9\u65b9\u5354\u5546\u3002\u7531\u65bc\u5faa\u74b0\u8cb8\u6b3e\u7684\u5229\u606f\u4e00\u822c\u662f\u6309\u9280\u884c\u540c\u696d\u62c6\u606f (HIBOR for HKD or LIBOR for USD) \u52a0\u5229\u5dee (Margin) \u8a08\u7b97\uff0c\u6240\u4ee5\u5fc5\u9808\u70ba\u8cb8\u6b3e\u5b9a\u4e0b\u5229\u606f\u671f\u3002\u4f8b\u5982\u5ba2\u6236\u9078\u4e09\u500b\u6708\u7684\u62c6\u606f\uff0c\u5ba2\u6236\u4fbf\u8981\u5728\u63d0\u6b3e\u5f8c\u6bcf\u4e09\u500b\u6708\u4ed8\u606f\uff0c\u76f4\u5230\u8cb8\u6b3e\u671f\u5b8c\u7d50\u70ba\u6b62\u3002\u5728\u6b63\u5e38\u8ca1\u8cc7\u5e02\u5834\u60c5\u6cc1\u4e0b\uff0c\u4e00\u500b\u6708\u7684\u62c6\u606f\u6703\u6bd4\u4e09\u500b\u6708\u70ba\u4f4e\uff0c\u4f46\u4e00\u500b\u6708\u7684\u62c6\u606f\u4ea6\u6703\u5728\u5b63\u7d50\u6216\u5927\u578b\u4e0a\u5e02\u6d3b\u52d5\u6642\u671f\u8f03\u70ba\u6ce2\u52d5\uff0c\u6240\u4ee5\u5ba2\u6236\u5728\u9078\u64c7\u5229\u606f\u671f\u9700\u8981\u6709\u53d6\u6368\u3002\u53e6\u5916\uff0c\u6709\u500b\u5225\u4e2d\u5c0f\u9280\u884c\u7531\u65bc\u5b58\u6b3e\u57fa\u790e\u8f03\u5c11\uff0c\u9700\u8981\u4e0d\u6642\u5728\u540c\u696d\u5e02\u5834\u62c6\u501f\u8cc7\u91d1\uff0c\u800c\u53c8\u56e0\u70ba\u540c\u696d\u5e02\u5834\u4e00\u822c\u4ee5\u4e09\u500b\u6708\u5229\u606f\u671f\u8a08\u7b97\uff0c\u6240\u4ee5\u5982\u5ba2\u6236\u9078\u64c7\u4e00\u500b\u6708\u7684\u5229\u606f\u671f\uff0c\u9280\u884c\u6216\u6703\u5411\u5ba2\u6236\u6536\u53d6\u984d\u5916\u5229\u5dee\uff0c\u4ee5\u88dc\u8cbc\u8f03\u9ad8\u8cc7\u91d1\u6210\u672c\u3002\u4f01\u696d\u9700\u591a\u52a0\u7559\u610f\u3002<\/p>\n\n\n\n<p>\u9084\u6b3e\u65b9\u9762\uff0c\u5ba2\u6236\u53ef\u5728\u8cb8\u6b3e\u5230\u671f\u6642\u6574\u7b46\u8cb8\u6b3e\u6e05\u9084\uff0c\u6216\u9078\u64c7\u7e8c\u671f (Rollover)\u3002\u901a\u5e38\u9280\u884c\u53ef\u5bb9\u8a31\u4e00\u5230\u5169\u6b21\u7684\u7e8c\u671f\uff0c\u6bcf\u6b21\u4e09\u81f3\u516d\u500b\u6708\u3002\u70ba\u6709\u6548\u63a7\u5236\u4fe1\u8cb8\u98a8\u96aa\uff0c\u9280\u884c\u4e00\u822c\u6703\u8981\u6c42\u5ba2\u6236\u5728\u4e00\u5e74\u5167\u6709\u4e94\u5230\u5341\u500b\u5de5\u4f5c\u5929\u7684\u6e05\u511f\u671f\u9593 (Clean-up Period)\uff0c\u671f\u5167\u5fc5\u9808\u628a\u984d\u5ea6\u6e05\u9084\uff0c\u4ee5\u78ba\u4fdd\u5ba2\u6236\u6709\u4e00\u5b9a\u7684\u8cc7\u91d1\u5be6\u529b\u3002\u53e6\u5916\u4f01\u696d\u5982\u9808\u63d0\u65e9\u9084\u6b3e (Early Repayment)\uff0c\u9700\u8981\u6309\u901a\u77e5\u671f\u544a\u77e5\u9280\u884c\uff0c\u4e26\u5728\u5229\u606f\u671f\u7576\u5929\u9032\u884c\uff0c\u5426\u5247\u6703\u6709\u4e00\u5b9a\u7684\u63d0\u524d\u9084\u6b3e\u8cbb\u7528 (Break Funding Cost)\u3002<\/p>\n\n\n\n<p>\u5206\u671f\u8cb8\u6b3e (Instalment Loan)\uff1a\u70ba\u8f03\u591a\u5c0f\u5fae\u4f01\u4f7f\u7528\uff0c\u4e3b\u8981\u662f\u7c21\u55ae\u6613\u7528\u3002\u4e00\u822c\u8cb8\u6b3e\u5e74\u671f\u7531\u4e00\u5230\u4e94\u5e74\uff0c\u8f03\u591a\u7684\u662f\u4e09\u5e74\u5167\u3002\u8cb8\u6b3e\u7528\u9014\u6c92\u6709\u7279\u5b9a\u9650\u5236\uff0c\u7531\u63d0\u6b3e\u65e5\u8d77\u958b\u59cb\u6bcf\u6708\u6309\u5b9a\u984d\u9084\u6b3e\uff0c\u76f4\u5230\u5b8c\u5168\u6e05\u9084\u3002\u5229\u7387\u65b9\u9762\u662f\u56fa\u5b9a\u7684\uff0c\u6240\u4ee5\u4e0d\u7528\u64d4\u5fc3\u56e0\u8ca1\u8cc7\u5e02\u5834\u8b8a\u5316\u800c\u591a\u4ed8\u5229\u606f\u3002\u5229\u606f\u901a\u5e38\u662f\u6309\u6708\u5e73\u606f\u8a08\u7b97\uff0c\u5168\u671f\u5229\u606f\u4fbf\u662f\u8cb8\u6b3e\u91d1\u984d\uff58\u6708\u5e73\u606f\u7387\uff58\u9084\u6b3e\u671f\u6578(\u6708)\u3002\u6bcf\u6708\u9084\u6b3e\u984d\u5247\u662f\u672c\u91d1\u52a0\u4e0a\u5168\u671f\u5229\u606f\u9664\u4ee5\u9084\u6b3e\u671f\u6578(\u6708)\u3002\u7531\u65bc\u9280\u884c\u540c\u696d\u9593\u7af6\u722d\uff0c\u689d\u6b3e\u6216\u6703\u52a0\u5165\u514d\u606f\u671f\u3001\u624b\u7e8c\u8cbb\u3001\u79ae\u5238\u6216\u5229\u606f\u56de\u8d08\u7b49\u7279\u8272\uff0c\u5ba2\u6236\u56e0\u6b64\u8f03\u96e3\u7406\u89e3\u5be6\u969b\u501f\u8cb8\u6210\u672c\uff0c\u5efa\u8b70\u5ba2\u6236\u4ee5\u5be6\u969b\u5e74\u5229\u7387 (Annual\nPercentage Rate) \u4f5c\u6bd4\u8f03\u3002\u5be6\u969b\u5e74\u5229\u7387\u662f\u6309\u5e74\u5229\u7387\u5c55\u793a\u51fa\u9280\u884c\u7522\u54c1\u6240\u6536\u53d6\u7684\u5229\u606f\u52a0\u4e0a\u76f8\u95dc\u8cbb\u7528(\u4f8b\u5982\u8cb8\u6b3e\u624b\u7e8c\u8cbb\u3001\u670d\u52d9\u8cbb\u7b49)\u7684\u4e00\u500b\u53c3\u8003\u5229\u7387\u3002<\/p>\n\n\n\n<p>\u53e6\u5916\uff0c\u5373\u4f7f\u6bcf\u500b\u6708\u9084\u6b3e\u7684\u91d1\u984d\u76f8\u540c\uff0c\u4e00\u822c\u4f86\u8aaa\u524d\u671f\u9084\u6b3e\u7684\u5229\u606f\u6703\u4f54\u8f03\u91cd\uff0c\u672c\u91d1\u8f03\u8f15\u3002\u9280\u884c\u901a\u5e38\u4ee5\u300c78\u6cd5\u5247\u300d\u4f86\u8a08\u6524\u5206\u5229\u606f\u3002\u4ee5\u4e00\u5e74\u671f\u8cb8\u6b3e\u4f5c\u4f8b\u5b50\uff0c\u5373\u7b2c\u4e00\u500b\u6708\u6524\u5206\u5229\u606f\u4f54\u5168\u671f\u768412\/78\uff0c\u7b2c\u4e8c\u500b\u6708\u4f5411\/78\uff0c\u5982\u6b64\u985e\u63a8\uff0c\u76f4\u5230\u7b2c\u5341\u4e8c\u500b\u6708\u70ba1\/78\u3002\u6bcf\u671f\u511f\u9084\u672c\u91d1\u5247\u662f\u6bcf\u671f\u9084\u6b3e(\u56fa\u5b9a)\u6e1b\u53bb\u6bcf\u671f\u6524\u5206\u5229\u606f\u3002\u7531\u6b64\u53ef\u898b\uff0c\u96d6\u5247\u6bcf\u671f\u9084\u6b3e\u91d1\u984d\u76f8\u540c\uff0c\u53ea\u6709\u5c11\u90e8\u5206\u672c\u91d1\u5728\u524d\u671f\u511f\u9084\u3002\u9019\u500b\u60c5\u6cc1\u5c0d\u65bc\u63d0\u65e9\u9084\u6b3e\u7684\u6642\u5019\u5c24\u5176\u660e\u986f\u3002<\/p>\n\n\n\n<p>\u7531\u65bc\u6d41\u52d5\u8cb8\u6b3e\u7522\u54c1\u7279\u6027\u8f03\u70ba\u7c21\u55ae\uff0c\u6240\u4ee5\u5be9\u6279\u91d1\u984d\u548c\u5229\u7387\u5c07\u6703\u6210\u70ba\u9280\u884c\u540c\u696d\u9593\u7684\u4e3b\u8981\u7af6\u722d\u689d\u4ef6\u3002\u6211\u5011FinMonster\u7684\u7522\u54c1\u6db5\u84cb\u8c50\u5bcc\uff0c\u767b\u8a18\u6210\u70ba\u6211\u5011\u7684\u4f01\u696d\u7528\u6236\u5f8c\uff0c\u53ef\u4ee5\u7acb\u5373\u900f\u904e\u672c\u5e73\u53f0\u7be9\u9078\u5408\u9069\u7684\u9280\u884c\u7d93\u7406\u548c\u6d41\u52d5\u8cb8\u6b3e\u689d\u4ef6\uff0c\u4ee5\u914d\u5408\u696d\u52d9\u767c\u5c55\u3002<\/p>\n\n\n\n<p><a href=\"https:\/\/www.finmonster.com\/blog\/2019\/07\/18\/%e6%b7%ba%e8%ab%87%e4%bc%81%e6%a5%ad%e9%8a%80%e8%a1%8c%e6%9c%8d%e5%8b%99%ef%bc%88%ef%bc%92%ef%bc%89-%e6%b5%81%e5%8b%95%e8%b2%b8%e6%ac%be\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u5ef6\u4f38\u95b1\u8b80\uff1a\u6dfa\u8ac7\u4f01\u696d\u9280\u884c\u670d\u52d9\uff08\uff12\uff09\u2014\u6d41\u52d5\u8cb8\u6b3e (opens in a new tab)\">\u5ef6\u4f38\u95b1\u8b80\uff1a\u6dfa\u8ac7\u4f01\u696d\u9280\u884c\u670d\u52d9\uff08\uff12\uff09\u2014\u6d41\u52d5\u8cb8\u6b3e<\/a><\/p>\n\n\n\n<p><a aria-label=\" \u5ef6\u4f38\u95b1\u8b80\uff1a\u6dfa\u8ac7\u4f01\u696d\u9280\u884c\u670d\u52d9\uff083\uff09\u2014\u9577\u671f\u8cb8\u6b3e (opens in a new tab)\" rel=\"noreferrer noopener\" href=\"https:\/\/www.finmonster.com\/blog\/2019\/12\/09\/%e6%b7%ba%e8%ab%87%e4%bc%81%e6%a5%ad%e9%8a%80%e8%a1%8c%e6%9c%8d%e5%8b%99%ef%bc%883%ef%bc%89-%e9%95%b7%e6%9c%9f%e8%b2%b8%e6%ac%be\/\" target=\"_blank\">\u5ef6\u4f38\u95b1\u8b80\uff1a\u6dfa\u8ac7\u4f01\u696d\u9280\u884c\u670d\u52d9\uff083\uff09\u2014\u9577\u671f\u8cb8\u6b3e<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p>FinMonster 2.0\u7d93\u5df2\u9762\u4e16\uff01FinMonster\u8207\u5168\u7403\u77e5\u540d\u7684\u6578\u64da\u516c\u53f8Refinitiv\u5408\u4f5c\u63d0\u4f9b\u667a\u6167\u878d\u8cc7\u65b9\u6848\uff0c\u532f\u6574\u4f01\u696d\u8cb8\u6b3e\u8cc7\u8a0a\uff0c\u5354\u52a9\u60a8\u638c\u63e1\u5e02\u5834\u8108\u640f\u4ee5\u5236\u5b9a\u660e\u667a\u6c7a\u7b56\u3002\u4f60\u53ef\u4ee5\u7372\u53d6\u6bcf\u5929\u66f4\u65b0\u7684\u8cb8\u6b3e\u5e02\u5834\u6d88\u606f\u3001\u903e\u5343\u9805\u4f86\u81ea\u4e0d\u540c\u884c\u696d\u516c\u53f8\u7684\u8cb8\u6b3e\u57fa\u6e96\u5b9a\u50f9\u548c\u689d\u6b3e\uff0c\u4ee5\u53ca\u4e9e\u592a\u5340\u4e00\u4e8c\u7d1a\u5e02\u5834\u6708\u5ea6\u878d\u8cc7\u52d5\u614b\u5831\u544a\u3002\u6211\u5011\u8aa0\u610f\u9080\u8acb\u60a8\u89aa\u8eab\u611f\u53d7\u5404\u9805\u65b0\u7684\u529f\u80fd\uff0c\u4e26\u70ba\u65b0\u8a02\u6236\u7368\u5bb6\u63d0\u4f9b7\u5929\u514d\u8cbb\u8a66\u7528\u3002<\/p>\n\n\n\n<div class=\"wp-block-buttons\">\n<div class=\"wp-block-button is-style-fill\"><a 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