{"id":494,"date":"2019-07-18T16:42:24","date_gmt":"2019-07-18T08:42:24","guid":{"rendered":"https:\/\/www.finmonster.com\/blog\/?p=494"},"modified":"2020-02-10T15:57:48","modified_gmt":"2020-02-10T07:57:48","slug":"%e6%b5%85%e8%b0%88%e4%bc%81%e4%b8%9a%e9%93%b6%e8%a1%8c%e6%9c%8d%e5%8a%a1%ef%bc%88%ef%bc%92%ef%bc%89-%e6%b5%81%e5%8a%a8%e8%b4%b7%e6%ac%be","status":"publish","type":"post","link":"https:\/\/www.finmonster.com\/blog\/2019\/07\/18\/%e6%b5%85%e8%b0%88%e4%bc%81%e4%b8%9a%e9%93%b6%e8%a1%8c%e6%9c%8d%e5%8a%a1%ef%bc%88%ef%bc%92%ef%bc%89-%e6%b5%81%e5%8a%a8%e8%b4%b7%e6%ac%be\/","title":{"rendered":"\u6d45\u8c08\u4f01\u4e1a\u94f6\u884c\u670d\u52a1\uff08\uff12\uff09\u2014\u6d41\u52a8\u8d37\u6b3e"},"content":{"rendered":"\n<p>\u4e0a\u6587\u63d0\u5230\u8d38\u6613\u670d\u52a1\uff0c\u672c\u6587\u5c06\u4f1a\u7ee7\u7eed\u6d45\u8c08\u6d41\u52a8\u8d37\u6b3e\n(Working Capital Loan)\u3002\u6d41\u52a8\u8d44\u91d1\u65b9\u9762\uff0c\u4e00\u822c\u4f01\u4e1a\u94f6\u884c\u53ef\u63d0\u4f9b\u900f\u652f\n(Overdraft\/ OD)\u3001\u5faa\u73af\u8d37\u6b3e\n(Revolving Loan)\u3001\u5206\u671f\u8d37\u6b3e\n(Instalment Loan)\uff0c\u89c6\u4e4e\u5ba2\u6237\u4fe1\u8d37\u60c5\u51b5\u548c\u5b9e\u9645\u9700\u8981\u3002<\/p>\n\n\n\n<p>\u900f\u652f (Overdraft\/ OD)\uff1a\u5bf9\u4f01\u4e1a\u6765\u8bf4\u5f39\u6027\u6700\u9ad8\uff0c\u94f6\u884c\u63d0\u4f9b\u4e00\u7b14\u5b9a\u989d\u5907\u7528\u6b3e\u9879\uff0c\u5177\u5728\u968f\u501f\u968f\u8fd8\u7684\u7279\u6027\uff0c\u5ba2\u6237\u53ef\u4ee5\u6309\u7167\u9700\u8981\u76f4\u63a5\u63d0\u6b3e\uff0c\u4e0d\u9700\u8981\u63d0\u4f9b\u7528\u6b3e\u8bc1\u660e\uff0c\u5229\u606f\u6309\u4f7f\u7528\u91d1\u989d\u9010\u5929\u8ba1\u7b97\u3002\u7531\u4e8e\u6ca1\u6709\u7279\u5b9a\u7528\u9014\uff0c\u91d1\u989d\u4e00\u822c\u8f83\u5c11\uff0c\u800c\u5229\u606f\u4f1a\u6bd4\u4e00\u822c\u8d37\u6b3e\u4e3a\u9ad8\uff0c\u4e00\u822c\u4f1a\u5728\u6700\u4f18\u60e0\u5229\u7387 (Prime Rate) \u6216\u4ee5\u4e0a\uff0c\u800c\u4e14\u4ea6\u6709\u53ef\u80fd\u9700\u8981\u652f\u4ed8\u627f\u8bfa\u8d39 (Commitment Fee)\uff0c\u6309\u6ca1\u6709\u4f7f\u7528\u7684\u989d\u5ea6\u90e8\u5206\uff0c\u652f\u4ed8\u4e00\u5b9a\u7684\u8d39\u7528\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5faa\u73af\u8d37\u6b3e (Revolving Loan)\uff1a\u94f6\u884c\u4f1a\u5411\u4f01\u4e1a\u63d0\u4f9b\u4e00\u4e2a\u4fe1\u8d37\u989d\u5ea6\uff0c\u5ba2\u6237\u53ef\u4ee5\u6309\u901a\u77e5\u671f (Notice Period\uff0c\u4e00\u822c\u4e3a\u4e00\u81f3\u4e94\u4e2a\u5de5\u4f5c\u5929)\uff0c\u4e66\u9762\u544a\u77e5\u94f6\u884c\u7684\u63d0\u6b3e\u9700\u6c42\u3001\u91d1\u989d\u3001\u8d37\u6b3e\u671f(\u4e00\u822c\u4e3a\u4e00\u81f3\u516d\u4e2a\u6708)\u548c\u5229\u606f\u671f(Interest Period\uff0c\u4e00\u822c\u4e3a\u4e00\u3001\u4e09\u6216\u516d\u4e2a\u6708)\uff0c\u4fbf\u53ef\u63d0\u53d6\u8d37\u6b3e\u3002\u6709\u4e9b\u8d37\u6b3e\u6761\u4ef6\u6216\u4f1a\u8981\u6c42\u5ba2\u6237\u63d0\u4f9b\u7528\u6b3e\u8bc1\u660e (Use of Proceed)\uff0c\u6216\u5c06\u6b3e\u9879\u8f6c\u5230\u7b2c\u4e09\u65b9\uff0c\u89c6\u4e4e\u53cc\u65b9\u534f\u5546\u3002\u7531\u4e8e\u5faa\u73af\u8d37\u6b3e\u7684\u5229\u606f\u4e00\u822c\u662f\u6309\u94f6\u884c\u540c\u4e1a\u62c6\u606f (HIBOR for HKD or LIBOR for USD) \u52a0\u5229\u5dee (Margin) \u8ba1\u7b97\uff0c\u6240\u4ee5\u5fc5\u987b\u4e3a\u8d37\u6b3e\u5b9a\u4e0b\u5229\u606f\u671f\u3002\u4f8b\u5982\u5ba2\u6237\u9009\u4e09\u4e2a\u6708\u7684\u62c6\u606f\uff0c\u5ba2\u6237\u4fbf\u8981\u5728\u63d0\u6b3e\u540e\u6bcf\u4e09\u4e2a\u6708\u4ed8\u606f\uff0c\u76f4\u5230\u8d37\u6b3e\u671f\u5b8c\u7ed3\u4e3a\u6b62\u3002\u5728\u6b63\u5e38\u8d22\u8d44\u5e02\u573a\u60c5\u51b5\u4e0b\uff0c\u4e00\u4e2a\u6708\u7684\u62c6\u606f\u4f1a\u6bd4\u4e09\u4e2a\u6708\u4e3a\u4f4e\uff0c\u4f46\u4e00\u4e2a\u6708\u7684\u62c6\u606f\u4ea6\u4f1a\u5728\u5b63\u7ed3\u6216\u5927\u578b\u4e0a\u5e02\u6d3b\u52a8\u65f6\u671f\u8f83\u4e3a\u6ce2\u52a8\uff0c\u6240\u4ee5\u5ba2\u6237\u5728\u9009\u62e9\u5229\u606f\u671f\u9700\u8981\u6709\u53d6\u820d\u3002\u53e6\u5916\uff0c\u6709\u4e2a\u522b\u4e2d\u5c0f\u94f6\u884c\u7531\u4e8e\u5b58\u6b3e\u57fa\u7840\u8f83\u5c11\uff0c\u9700\u8981\u4e0d\u65f6\u5728\u540c\u4e1a\u5e02\u573a\u62c6\u501f\u8d44\u91d1\uff0c\u800c\u53c8\u56e0\u4e3a\u540c\u4e1a\u5e02\u573a\u4e00\u822c\u4ee5\u4e09\u4e2a\u6708\u5229\u606f\u671f\u8ba1\u7b97\uff0c\u6240\u4ee5\u5982\u5ba2\u6237\u9009\u62e9\u4e00\u4e2a\u6708\u7684\u5229\u606f\u671f\uff0c\u94f6\u884c\u6216\u4f1a\u5411\u5ba2\u6237\u6536\u53d6\u989d\u5916\u5229\u5dee\uff0c\u4ee5\u8865\u8d34\u8f83\u9ad8\u8d44\u91d1\u6210\u672c\u3002\u4f01\u4e1a\u9700\u591a\u52a0\u7559\u610f\u3002<\/p>\n\n\n\n<p>\u8fd8\u6b3e\u65b9\u9762\uff0c\u5ba2\u6237\u53ef\u5728\u8d37\u6b3e\u5230\u671f\u65f6\u6574\u7b14\u8d37\u6b3e\u6e05\u8fd8\uff0c\u6216\u9009\u62e9\u7eed\u671f\n(Rollover)\u3002\u901a\u5e38\u94f6\u884c\u53ef\u5bb9\u8bb8\u4e00\u5230\u4e24\u6b21\u7684\u7eed\u671f\uff0c\u6bcf\u6b21\u4e09\u81f3\u516d\u4e2a\u6708\u3002\u4e3a\u6709\u6548\u63a7\u5236\u4fe1\u8d37\u98ce\u9669\uff0c\u94f6\u884c\u4e00\u822c\u4f1a\u8981\u6c42\u5ba2\u6237\u5728\u4e00\u5e74\u5185\u6709\u4e94\u5230\u5341\u4e2a\u5de5\u4f5c\u5929\u7684\u6e05\u507f\u671f\u95f4\n(Clean-up Period)\uff0c\u671f\u5185\u5fc5\u987b\u628a\u989d\u5ea6\u6e05\u8fd8\uff0c\u4ee5\u786e\u4fdd\u5ba2\u6237\u6709\u4e00\u5b9a\u7684\u8d44\u91d1\u5b9e\u529b\u3002\u53e6\u5916\u4f01\u4e1a\u5982\u987b\u63d0\u65e9\u8fd8\u6b3e\n(Early Repayment)\uff0c\u9700\u8981\u6309\u901a\u77e5\u671f\u544a\u77e5\u94f6\u884c\uff0c\u5e76\u5728\u5229\u606f\u671f\u5f53\u5929\u8fdb\u884c\uff0c\u5426\u5219\u4f1a\u6709\u4e00\u5b9a\u7684\u63d0\u524d\u8fd8\u6b3e\u8d39\u7528\n(Break Funding Cost)\u3002<\/p>\n\n\n\n<p>\u5206\u671f\u8d37\u6b3e (Instalment Loan)\uff1a\u4e3a\u8f83\u591a\u5c0f\u5fae\u4f01\u4f7f\u7528\uff0c\u4e3b\u8981\u662f\u7b80\u5355\u6613\u7528\u3002\u4e00\u822c\u8d37\u6b3e\u5e74\u671f\u7531\u4e00\u5230\u4e94\u5e74\uff0c\u8f83\u591a\u7684\u662f\u4e09\u5e74\u5185\u3002\u8d37\u6b3e\u7528\u9014\u6ca1\u6709\u7279\u5b9a\u9650\u5236\uff0c\u7531\u63d0\u6b3e\u65e5\u8d77\u5f00\u59cb\u6bcf\u6708\u6309\u5b9a\u989d\u8fd8\u6b3e\uff0c\u76f4\u5230\u5b8c\u5168\u6e05\u8fd8\u3002\u5229\u7387\u65b9\u9762\u662f\u56fa\u5b9a\u7684\uff0c\u6240\u4ee5\u4e0d\u7528\u62c5\u5fc3\u56e0\u8d22\u8d44\u5e02\u573a\u53d8\u5316\u800c\u591a\u4ed8\u5229\u606f\u3002\u5229\u606f\u901a\u5e38\u662f\u6309\u6708\u5e73\u606f\u8ba1\u7b97\uff0c\u5168\u671f\u5229\u606f\u4fbf\u662f\u8d37\u6b3e\u91d1\u989d\uff58\u6708\u5e73\u606f\u7387\uff58\u8fd8\u6b3e\u671f\u6570(\u6708)\u3002\u6bcf\u6708\u8fd8\u6b3e\u989d\u5219\u662f\u672c\u91d1\u52a0\u4e0a\u5168\u671f\u5229\u606f\u9664\u4ee5\u8fd8\u6b3e\u671f\u6570(\u6708)\u3002\u7531\u4e8e\u94f6\u884c\u540c\u4e1a\u95f4\u7ade\u4e89\uff0c\u6761\u6b3e\u6216\u4f1a\u52a0\u5165\u514d\u606f\u671f\u3001\u624b\u7eed\u8d39\u3001\u793c\u5238\u6216\u5229\u606f\u56de\u8d60\u7b49\u7279\u8272\uff0c\u5ba2\u6237\u56e0\u6b64\u8f83\u96be\u7406\u89e3\u5b9e\u9645\u501f\u8d37\u6210\u672c\uff0c\u5efa\u8bae\u5ba2\u6237\u4ee5\u5b9e\u9645\u5e74\u5229\u7387\n(Annual Percentage Rate) \u4f5c\u6bd4\u8f83\u3002\u5b9e\u9645\u5e74\u5229\u7387\u662f\u6309\u5e74\u5229\u7387\u5c55\u793a\u51fa\u94f6\u884c\u4ea7\u54c1\u6240\u6536\u53d6\u7684\u5229\u606f\u52a0\u4e0a\u76f8\u5173\u8d39\u7528(\u4f8b\u5982\u8d37\u6b3e\u624b\u7eed\u8d39\u3001\u670d\u52a1\u8d39\u7b49)\u7684\u4e00\u4e2a\u53c2\u8003\u5229\u7387\u3002<\/p>\n\n\n\n<p>\u53e6\u5916\uff0c\u5373\u4f7f\u6bcf\u4e2a\u6708\u8fd8\u6b3e\u7684\u91d1\u989d\u76f8\u540c\uff0c\u4e00\u822c\u6765\u8bf4\u524d\u671f\u8fd8\u6b3e\u7684\u5229\u606f\u4f1a\u5360\u8f83\u91cd\uff0c\u672c\u91d1\u8f83\u8f7b\u3002\u94f6\u884c\u901a\u5e38\u4ee5\u300c78\u6cd5\u5219\u300d\u6765\u8ba1\u644a\u5206\u5229\u606f\u3002\u4ee5\u4e00\u5e74\u671f\u8d37\u6b3e\u4f5c\u4f8b\u5b50\uff0c\u5373\u7b2c\u4e00\u4e2a\u6708\u644a\u5206\u5229\u606f\u5360\u5168\u671f\u768412\/78\uff0c\u7b2c\u4e8c\u4e2a\u6708\u536011\/78\uff0c\u5982\u6b64\u7c7b\u63a8\uff0c\u76f4\u5230\u7b2c\u5341\u4e8c\u4e2a\u6708\u4e3a1\/78\u3002\u6bcf\u671f\u507f\u8fd8\u672c\u91d1\u5219\u662f\u6bcf\u671f\u8fd8\u6b3e(\u56fa\u5b9a)\u51cf\u53bb\u6bcf\u671f\u644a\u5206\u5229\u606f\u3002\u7531\u6b64\u53ef\u89c1\uff0c\u867d\u5219\u6bcf\u671f\u8fd8\u6b3e\u91d1\u989d\u76f8\u540c\uff0c\u53ea\u6709\u5c11\u90e8\u5206\u672c\u91d1\u5728\u524d\u671f\u507f\u8fd8\u3002\u8fd9\u4e2a\u60c5\u51b5\u5bf9\u4e8e\u63d0\u65e9\u8fd8\u6b3e\u7684\u65f6\u5019\u5c24\u5176\u660e\u663e\u3002<\/p>\n\n\n\n<p>\u7531\u4e8e\u6d41\u52a8\u8d37\u6b3e\u4ea7\u54c1\u7279\u6027\u8f83\u4e3a\u7b80\u5355\uff0c\u6240\u4ee5\u5ba1\u6279\u91d1\u989d\u548c\u5229\u7387\u5c06\u4f1a\u6210\u4e3a\u94f6\u884c\u540c\u4e1a\u95f4\u7684\u4e3b\u8981\u7ade\u4e89\u6761\u4ef6\u3002\u6211\u4eecFinMonster\u7684\u4ea7\u54c1\u6db5\u76d6\u4e30\u5bcc\uff0c\u767b\u8bb0\u6210\u4e3a\u6211\u4eec\u7684\u4f01\u4e1a\u7528\u6237\u540e\uff0c\u53ef\u4ee5\u7acb\u5373\u900f\u8fc7\u672c\u5e73\u53f0\u7b5b\u9009\u5408\u9002\u7684\u94f6\u884c\u7ecf\u7406\u548c\u6d41\u52a8\u8d37\u6b3e\u6761\u4ef6\uff0c\u4ee5\u914d\u5408\u4e1a\u52a1\u53d1\u5c55\u3002<\/p>\n\n\n\n<p><a href=\"https:\/\/www.finmonster.com\/blog\/2019\/07\/18\/%e6%b5%85%e8%b0%88%e4%bc%81%e4%b8%9a%e9%93%b6%e8%a1%8c%e6%9c%8d%e5%8a%a1%ef%bc%88%ef%bc%92%ef%bc%89-%e6%b5%81%e5%8a%a8%e8%b4%b7%e6%ac%be\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u5ef6\u4f38\u9605\u8bfb\uff1a\u6d45\u8c08\u4f01\u4e1a\u94f6\u884c\u670d\u52a1\uff08\uff12\uff09\u2014\u6d41\u52a8\u8d37\u6b3e (opens in a new tab)\">\u5ef6\u4f38\u9605\u8bfb\uff1a\u6d45\u8c08\u4f01\u4e1a\u94f6\u884c\u670d\u52a1\uff08\uff12\uff09\u2014\u6d41\u52a8\u8d37\u6b3e<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.finmonster.com\/blog\/2019\/12\/09\/%e6%b5%85%e8%b0%88%e4%bc%81%e4%b8%9a%e9%93%b6%e8%a1%8c%e6%9c%8d%e5%8a%a1%ef%bc%883%ef%bc%89-%e9%95%bf%e6%9c%9f%e8%b4%b7%e6%ac%be\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u5ef6\u4f38\u9605\u8bfb\uff1a\u6d45\u8c08\u4f01\u4e1a\u94f6\u884c\u670d\u52a1\uff083\uff09\u2014\u957f\u671f\u8d37\u6b3e (opens in a new 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