{"id":5049,"date":"2020-12-28T15:42:05","date_gmt":"2020-12-28T07:42:05","guid":{"rendered":"https:\/\/www.finmonster.com\/blog\/?p=5049"},"modified":"2021-01-26T17:08:37","modified_gmt":"2021-01-26T09:08:37","slug":"%e6%b7%ba%e8%ab%87%e9%8a%80%e5%9c%98%e8%b2%b8%e6%ac%be%e4%b8%8b%e7%af%87","status":"publish","type":"post","link":"https:\/\/www.finmonster.com\/blog\/2020\/12\/28\/%e6%b7%ba%e8%ab%87%e9%8a%80%e5%9c%98%e8%b2%b8%e6%ac%be%e4%b8%8b%e7%af%87\/","title":{"rendered":"\u6dfa\u8ac7\u9280\u5718\u8cb8\u6b3e(\u4e0b\u7bc7)"},"content":{"rendered":"\n

\u9280\u5718\u8cb8\u6b3e\u7684\u597d\u8655<\/h2>\n\n\n\n

\u9280\u5718\u8cb8\u6b3e\u5c0d\u501f\u6b3e\u4eba\u7684\u4e3b\u8981\u597d\u8655\u662f, \u53ef\u4ee5\u900f\u904e\u4e00\u7d44\u8cb8\u6b3e\u4eba\u70ba\u8cc7\u672c\u5bc6\u96c6\u7684\u767c\u5c55\u9805\u76ee\u63d0\u4f9b\u5927\u91cf\u7684\u8cc7\u91d1\u3002\u7531\u65bc\u6240\u6709\u8cb8\u6b3e\u4eba\u5c0d\u65bc\u540c\u4e00\u7b46\u4ea4\u6613\u5177\u6709\u76f8\u540c\u7684\u4fe1\u8cb8\u98a8\u96aa, \u501f\u6b3e\u4eba\u4e0d\u5fc5\u8207\u773e\u591a\u8cb8\u6b3e\u4eba\u9032\u884c\u8ac7\u5224, \u4ee5\u5b8c\u6210\u91d1\u984d\u5de8\u5927\u4f46\u76ee\u7684\u55ae\u4e00\u7684\u878d\u8cb8\u3002\u9280\u5718\u8cb8\u6b3e\u65e2\u80fd\u70ba\u501f\u6b3e\u4eba\u7bc0\u7701\u6642\u9593, \u53c8\u6700\u6709\u53ef\u80fd\u7bc0\u7701\u878d\u8cc7\u6210\u672c\u3002\u8a66\u60f3\u4e00\u4e0b, \u82e5\u8cb8\u6b3e\u4eba\u53ef\u4ee5\u7bc0\u7701\u76e1\u8077\u8abf\u67e5\u3001\u8cb8\u6b3e\u689d\u6b3e\u8ac7\u5224\u548c\u7372\u53d6\u5ba2\u6236\u7684\u6642\u9593, \u5f9e\u800c\u7bc0\u7701\u54e1\u5de5\u6210\u672c\u548c\u904b\u4f5c\u6210\u672c,  \u8cb8\u6b3e\u4eba\u9858\u610f\u63a5\u53d7\u8f03\u4f4e\u7684\u8cb8\u6b3e\u5229\u7387\u3002\u7531\u65bcMLAB\u6bcf\u5929\u53c3\u8207\u9280\u5718\u8cb8\u6b3e\u5e02\u5834, \u95dc\u65bc\u8cb8\u6b3e\u9280\u884c\u7684\u98a8\u96aa\u80c3\u7d0d\u548c\u5e02\u5834\u50f9\u683c\u57fa\u6e96, \u5b83\u64c1\u6709\u7b2c\u4e00\u624b\u7684\u8cc7\u8a0a, \u800c\u501f\u6b3e\u4eba\u5247\u6c92\u6709, \u76e1\u7ba1\u5e02\u5834\u65e9\u6709\u5de5\u5177\u4f86\u7372\u5f97\u9019\u4e9b\u8cc7\u8a0a<\/a>\u3002\u9084\u6709\u91cd\u8981\u7684\u4e00\u500b\u597d\u8655, \u9280\u5718\u8cb8\u6b3e\u7684\u9084\u6b3e\u8a18\u9304\u53ef\u4ee5\u589e\u52a0\u501f\u6b3e\u4eba\u5728\u8cb8\u6b3e\u5e02\u5834\u7684\u8072\u8b7d, \u4f7f\u501f\u6b3e\u4eba\u66f4\u5bb9\u6613\u5728\u672a\u4f86\u7372\u5f97\u878d\u8cc7\u6a5f\u6703\u3002<\/p>\n\n\n\n

\u5f9e\u8cb8\u6b3e\u4eba\u65b9\u9762\u770b,\u9280\u5718\u8cb8\u6b3e\u6709\u52a9\u65bc\u8cb8\u6b3e\u4eba\u5206\u6563\u4fe1\u8cb8\u98a8\u96aa, \u5c0d\u65bc\u55ae\u4e00\u8cb8\u6b3e\u4eba\u4f86\u8aaa, \u627f\u64d4\u6574\u500b\u9280\u5718\u8cb8\u6b3e\u91d1\u984d\u7684\u55ae\u4e00\u98a8\u96aa\u662f\u5de8\u5927\u7684\u3002MLAB \u4f5c\u70ba\u5b89\u6392\u8005, \u5c0d\u6574\u500b\u9280\u5718\u8cb8\u6b3e\u7684\u884c\u653f\u7ba1\u7406\u8ca0\u6709\u4e3b\u8981\u8cac\u4efb, \u5f9e\u800c\u6e1b\u8f15\u53c3\u8cb8\u884c\u7684\u884c\u653f\u6210\u672c\u3002MLAB \u53ef\u4ee5\u5f9e\u501f\u6b3e\u4eba\u90a3\u88e1\u8cfa\u53d6\u5b89\u6392\u8cbb, \u589e\u52a0\u8cbb\u7528\u6536\u5165, \u4ee5\u88dc\u511f\u56e0\u9280\u5718\u8cb8\u6b3e\u5206\u8584\u4e86\u7684\u8cb8\u6b3e\u5206\u984d\u800c\u640d\u5931\u7684\u5229\u606f\u6536\u5165\u3002\u6574\u9ad4\u800c\u9019, MLAB\u53ef\u4ee5\u901a\u904e\u9280\u5718\u8cb8\u6b3e\u4e2d\u7684\u8cbb\u7528\u6536\u5165, \u63d0\u9ad8\u9280\u884c\u7684\u98a8\u96aa\u8abf\u6574\u8cc7\u672c\u56de\u5831\u7387(RAROC)\u4ee5\u9039\u81f4\u7e3e\u6548\u8981\u6c42\u3002<\/p>\n\n\n\n

\u9280\u5718\u8cb8\u6b3e\u7684\u5b9a\u50f9<\/h2>\n\n\n\n

\u9280\u5718\u8cb8\u6b3e\u53ef\u4ee5\u4ee5\u4e0d\u540c\u985e\u578b\u7684\u8cb8\u6b3e\u985e\u578b\u548c\u62b5\u62bc\u54c1\u9032\u884c\u7d50\u69cb\u8a2d\u8a08\u3002\u7576\u7136, \u4e0d\u540c\u7684\u8cb8\u6b3e\u985e\u578b\u6d10\u751f\u51fa\u4e0d\u540c\u7684\u5229\u606f\u5b9a\u50f9, \u53ef\u4ee5\u662f\u56fa\u5b9a\u5229\u7387\u6216\u6d6e\u52d5\u5229\u7387, \u4e0d\u540c\u7684\u9078\u64c7\u8b93\u501f\u6b3e\u4eba\u5728\u8ca1\u52d9\u9810\u7b97\u4e0a\u66f4\u52a0\u9748\u6d3b\u3002\u6d6e\u52d5\u5229\u7387\u662f\u6307\u5728\u8cb8\u6b3e\u5e74\u671f\u88cf\u4ee5\u6d6e\u52d5\u5229\u7387\u8a08\u7b97\u5229\u606f\u6210\u672c, \u901a\u5e38\u6309\u57fa\u6e96\u5229\u7387\u52a0\u606f\u5dee\u8a08\u7b97\u3002\u4e0b\u5716\u662fFinMonster\u8cb8\u6b3e\u5e02\u5834\u7684\u6d6e\u52d5\u5229\u7387\u793a\u4f8b<\/a>, \u606f\u5dee\u70ba2.92%, \u800c\u57fa\u6e96\u5229\u7387\u70baHIBOR\u3002\u9999\u6e2f\u4e00\u822c\u7684\u57fa\u6e96\u5229\u7387\u70ba\u9280\u884c\u6700\u512a\u60e0\u5229\u7387(Prime Rate)\u3001\u9999\u6e2f\u9280\u884c\u540c\u696d\u62c6\u606f\u5229\u7387(HIBOR)\u6216\u502b\u6566\u9280\u884c\u540c\u696d\u62c6\u606f\u5229\u7387(LIBOR), \u7531\u5229\u7387\u78ba\u8a8d\u5b9a\u50f9\u9031\u671f\u3002\u6700\u5e38\u898b\u7684\u56fa\u5b9a\u671f\u662f\u6bcf\u4e09\u500b\u6708\u4e00\u6b21(\u5982\u9078\u64c73\u500b\u6708\u671f\u7684\u540c\u696d\u62c6\u606f\u5229\u7387)\u3002<\/p>\n\n\n\n

\u9280\u5718\u8cb8\u6b3e\u7684\u5b9a\u50f9\u9084\u5305\u62ec\u5f9e\u521d\u59cb\u63d0\u6b3e\u88cf\u6536\u53d6\u7d66\u4e88\u53c3\u8cb8\u884c\u7684\u5b89\u6392\u8cbb\u3002\u5b89\u6392\u8cbb\u4e00\u822c\u4ee5\u878d\u8cc7\u91d1\u984d\u7684\u591a\u5c11\u4f5c\u70ba\u5206\u5c64\u7684\u6536\u8cbb\u3002\u4ee5\u4e0b\u9762“\u78a7\u6842\u5712”<\/a>\u7684\u9280\u5718\u70ba\u4f8b , \u8d85\u904e7500\u842c\u6e2f\u5143\u7684\u53c3\u8cb8\u91d1\u984d, \u5b89\u6392\u8cbb\u70ba\u6700\u9ad8\u76842.35%\u3002\u8d85\u904e\u6e2f\u5e635000\u842c\u6e2f\u5143\u53c3\u8cb8\u984d\u7684\u7684\u8cb8\u6b3e\u4eba\u5247\u6536\u53d62.17%\u7684\u5b89\u6392\u8cbb\u3002<\/p>\n\n\n\n

\u4e0a\u6587\u63d0\u5230<\/a>, \u5f9e\u9280\u884c\u7684\u89d2\u5ea6\u4f86\u770b, \u82e5\u5169\u500b\u8cb8\u6b3e\u4ea4\u6613\u91d1\u984d\u76f8\u540c, \u5b89\u6392\u8cbb\u8d8a\u9ad8, \u9280\u884c\u7684\u98a8\u96aa\u8abf\u6574\u8cc7\u672c\u56de\u5831\u7387(RAROC)\u4fbf\u8d8a\u9ad8, \u56e0\u8f03\u9ad8\u7684\u5b89\u6392\u8cbb\u6bd4\u4f8b\u610f\u5473\u8457\u66f4\u9ad8\u7684\u5373\u6642\u56de\u5831\u3002\u7136\u800c, \u501f\u6b3e\u4eba\u5247\u6709\u76f8\u53cd\u7684\u9ad4\u9a57, \u56e0\u5b89\u6392\u8cbb\u4e00\u822c\u5f9e\u8cb8\u6b3e\u63d0\u6b3e\u91d1\u984d\u4e2d\u6263\u9664, \u90a3\u8d8a\u9ad8\u7684\u5b89\u6392\u8cbb\u4ee3\u8868\u501f\u6b3e\u4eba\u7684\u53ef\u7528\u8cc7\u91d1\u4fbf\u8d8a\u5c11\u3002<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

\u8ca1\u52d9\u5951\u7d04<\/h2>\n\n\n\n

\u9280\u5718\u8cb8\u6b3e\u662f\u627f\u8afe\u8cb8\u6b3e(Committed Loan)\u3002\u53ea\u8981\u501f\u6b3e\u4eba\u7b26\u5408\u6240\u6709\u7684\u63d0\u8cb8\u689d\u4ef6, \u8cb8\u6b3e\u4eba\u5fc5\u9700\u5c65\u884c\u63d0\u4f9b\u8cc7\u91d1\u7684\u7fa9\u52d9,\u3002\u70ba\u4e86\u6e1b\u8f15\u8cb8\u6b3e\u4eba\u5728\u6388\u4fe1\u5176\u9593\u7684\u4fe1\u8cb8\u98a8\u96aa, \u5728\u8cb8\u6b3e\u671f\u4e00\u822c\u6703\u6709\u4e0d\u540c\u7684\u627f\u8afe\u689d\u6b3e\u53ca\u8ca1\u52d9\u5951\u7d04\u4ee5\u76e3\u6e2c\u501f\u6b3e\u4eba\u7684\u4fe1\u8cb8\u98a8\u96aa, \u8ca1\u52d9\u5951\u7d04(“\u5951\u7d04”)\u901a\u5e38\u7528\u65bc\u63a7\u5236\u501f\u6b3e\u4eba\u516c\u53f8\u7684\u6295\u8cc7\u548c\u76e3\u6e2c\u501f\u6b3e\u4eba\u7684\u696d\u52d9\u8868\u73fe\u3002\u8207\u50b5\u5377\u516c\u958b\u5e02\u5834\u76f8\u6bd4, \u50b5\u5377\u88ab\u5ee3\u6cdb\u6301\u6709, \u4ea6\u6613\u65bc\u8f49\u8b93, \u4f7f\u6301\u6709\u4eba\u80fd\u5920\u4ee5\u4f4e\u5ec9\u7684\u65b9\u5f0f\u5206\u6563\u98a8\u96aa\u3001\u7ba1\u7406\u6295\u8cc7\u7d44\u5408\u548c\u8f49\u79fb\u4fe1\u8cb8\u98a8\u96aa\u3002\u9452\u65bc\u6709\u95dc\u50b5\u5238\u501f\u6b3e\u4eba\u7684\u76f8\u95dc\u4fe1\u606f\u900f\u660e\u5ea6\u9ad8, \u50b5\u5377\u7684\u689d\u6b3e\u7d04\u675f\u4e00\u822c\u8f03\u5c11, \u5c0e\u81f4\u6295\u8cc7\u4eba\u5c0d\u501f\u6b3e\u4eba\u7684\u5408\u898f\u76e3\u6e2c\u548c\u57f7\u884c\u6210\u672c\u4e5f\u76f8\u5c0d\u8f03\u9ad8, \u540c\u6642\u900f\u904e\u5408\u7d04\u7684\u5236\u7d04\u80fd\u529b\u4e5f\u76f8\u5c0d\u8f03\u5c11\u3002\u76f8\u6bd4\u4e4b\u4e0b, \u975e\u516c\u958b\u50b5\u52d9\u5e02\u5834\u5efa\u7acb\u5728\u8cb8\u6b3e\u4eba\u548c\u501f\u6b3e\u4eba\u4e4b\u9593\u5df2\u5b58\u5728\u95dc\u4fc2\u4e0a\u3002\u5951\u7d04\u4e00\u822c\u5df2\u5305\u542b\u5728\u8cb8\u6b3e\u5354\u8b70\u4e0a, \u8457\u6b64\u63a7\u5236\u501f\u6b3e\u4eba\u7684\u91cd\u5927\u5546\u696d\u6c7a\u5b9a, \u4f46\u67d0\u4e9b\u60c5\u6cc1\u4e0b, \u70ba\u4e86\u53cd\u6620\u8cb8\u6b3e\u4eba\u5c0d\u5546\u696d\u904b\u4f5c\u7684\u4f4e\u63a7\u5236\u80fd\u529b,\u5951\u7d04\u53ef\u80fd\u662f\u6602\u8cb4\u4e14\u4e0d\u5b8c\u5584\u5730\u53cd\u6620\u4e86\u7ba1\u7406\u5c64\u7684\u8868\u73fe\u3002\u4e5f\u56e0\u5982\u6b64, \u9280\u5718\u6bd4\u516c\u958b\u50b5\u5238\u5e02\u5834\u7684\u597d\u8655\u662f, \u56e0\u5951\u7d04\u9650\u5236\u76c8\u5229\u6d3b\u52d5\u7684\u98a8\u96aa\u53ef\u4ee5\u900f\u904e\u8ddf\u4e00\u5c0f\u64ae\u7684\u8cb8\u6b3e\u4eba\u91cd\u65b0\u8ac7\u5224\u6240\u62b5\u6d88\u3002<\/p>\n\n\n\n

\u5951\u7d04\u7684\u56b4\u7dca\u7a0b\u5ea6\u53d6\u6c7a\u65bc\u8cb8\u6b3e\u4eba\u64c1\u6709\u591a\u5c11\u6216\u53ef\u5426\u5bb9\u6613\u7372\u5f97\u501f\u6b3e\u4eba\u7684\u8cc7\u8a0a\u3002\u5982\u679c\u8cb8\u6b3e\u4eba\u5c0d\u501f\u6b3e\u4eba\u7684\u696d\u52d9\u72c0\u6cc1\u6c92\u6709\u5b8c\u5168\u7684\u628a\u63a7,\u6709\u53ef\u80fd\u5c0b\u6c42\u66f4\u56b4\u683c\u7684\u5951\u7d04, \u4ee5\u4fbf\u5bc6\u5207\u5730\u63a7\u5236\u501f\u6b3e\u4eba\u5546\u696d\u6d3b\u52d5\u3002\u8ca1\u52d9\u5951\u7d04\u7684\u56b4\u7dca\u7a0b\u5ea6\u4e00\u822c\u6839\u64da\u501f\u6b3e\u4eba\u548c\u8cb8\u6b3e\u4eba\u5354\u5546\u7684\u696d\u52d9\u9810\u6e2c\u4f5c\u70ba\u57fa\u6e96\u3002\u4ee5\u4e0b\u662f\u9280\u5718\u8cb8\u6b3e\u4e2d\u4e00\u822c\u61c9\u7528\u7684\u8ca1\u52d9\u5951\u7d04:<\/p>\n\n\n\n

\u5951\u7d04<\/strong><\/td>\u5951\u7d04\u7a2e\u985e<\/strong><\/td> <\/strong><\/td>\u5951\u7d04<\/strong><\/td>\u5951\u7d04\u7a2e\u985e<\/strong><\/td><\/tr>
Debt to EBITDA<\/td>Leverage<\/td> <\/td>Current Ratio<\/td>Liquidity<\/td><\/tr>
Leverage Ratio<\/td>Leverage<\/td> <\/td>Debt Service Coverage<\/td>Liquidity<\/td><\/tr>
Debt to Tangible Net Worth<\/td>Leverage<\/td> <\/td>Cash Interest Coverage<\/td>Liquidity<\/td><\/tr>
Debt to Equity<\/td>Leverage<\/td> <\/td>Fixed Charge Coverage<\/td>Liquidity<\/td><\/tr>
Loan to Value<\/td>Leverage<\/td> <\/td>Interest Coverage<\/td>Liquidity<\/td><\/tr>
Tangible Net Worth<\/td>Net Worth<\/td> <\/td>Quick Ratio<\/td>Liquidity<\/td><\/tr>
Capex<\/td>Capex<\/td> <\/td>EBITDA<\/td>Liquidity<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

\u7d50\u8a9e<\/h2>\n\n\n\n

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\u73fe\u5728FinMonster \u8207\u5168\u7403\u77e5\u540d\u7684\u6578\u64da\u516c\u53f8Refinitiv\u5408\u4f5c\uff0c\u806f\u624b\u89e3\u6c7a\u5e02\u5834\u8cc7\u8a0a\u4e0d\u5c0d\u7a31\u7684\u554f\u984c\uff0c\u70ba\u7528\u6236\u63d0\u4f9b\u57fa\u6e96\u5b9a\u50f9\u3001\u689d\u6b3e\u3001\u8cb8\u6b3e\u4f9b\u61c9\u3001\u65b0\u805e\u548c\u5206\u6790\u7b49\u5404\u7a2e\u6709\u95dc\u8cb8\u6b3e\u5e02\u5834\u52d5\u614b\u7684\u91cd\u8981\u8cc7\u8a0a\u6240\u6709\u7528\u6236\u53ef\u4eab7\u5929\u514d\u8cbb\u8a66\u7528<\/strong><\/p>\n\n\n\n

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