{"id":5052,"date":"2020-12-28T15:41:28","date_gmt":"2020-12-28T07:41:28","guid":{"rendered":"https:\/\/www.finmonster.com\/blog\/?p=5052"},"modified":"2020-12-30T16:51:07","modified_gmt":"2020-12-30T08:51:07","slug":"%e6%b5%85%e8%b0%88%e9%93%b6%e5%9b%a2%e8%b4%b7%e6%ac%be%e4%b8%8b%e7%af%87","status":"publish","type":"post","link":"https:\/\/www.finmonster.com\/blog\/2020\/12\/28\/%e6%b5%85%e8%b0%88%e9%93%b6%e5%9b%a2%e8%b4%b7%e6%ac%be%e4%b8%8b%e7%af%87\/","title":{"rendered":"\u6d45\u8c08\u94f6\u56e2\u8d37\u6b3e(\u4e0b\u7bc7)"},"content":{"rendered":"\n

\u94f6\u56e2\u8d37\u6b3e\u7684\u597d\u5904<\/h2>\n\n\n\n

\u94f6\u56e2\u8d37\u6b3e\u5bf9\u501f\u6b3e\u4eba\u7684\u4e3b\u8981\u597d\u5904\u662f,\u53ef\u4ee5\u900f\u8fc7\u4e00\u7ec4\u8d37\u6b3e\u4eba\u4e3a\u8d44\u672c\u5bc6\u96c6\u7684\u53d1\u5c55\u9879\u76ee\u63d0\u4f9b\u5927\u91cf\u7684\u8d44\u91d1\u3002\u7531\u4e8e\u6240\u6709\u8d37\u6b3e\u4eba\u5bf9\u4e8e\u540c\u4e00\u7b14\u4ea4\u6613\u5177\u6709\u76f8\u540c\u7684\u4fe1\u8d37\u98ce\u9669,\u501f\u6b3e\u4eba\u4e0d\u5fc5\u4e0e\u4f17\u591a\u8d37\u6b3e\u4eba\u8fdb\u884c\u8c08\u5224,\u4ee5\u5b8c\u6210\u91d1\u989d\u5de8\u5927\u4f46\u76ee\u7684\u5355\u4e00\u7684\u878d\u8d37\u3002\u94f6\u56e2\u8d37\u6b3e\u65e2\u80fd\u4e3a\u501f\u6b3e\u4eba\u8282\u7701\u65f6\u95f4,\u53c8\u6700\u6709\u53ef\u80fd\u8282\u7701\u878d\u8d44\u6210\u672c\u3002\u8bd5\u60f3\u4e00\u4e0b,\u82e5\u8d37\u6b3e\u4eba\u53ef\u4ee5\u8282\u7701\u5c3d\u804c\u8c03\u67e5\u3001\u8d37\u6b3e\u6761\u6b3e\u8c08\u5224\u548c\u83b7\u53d6\u5ba2\u6237\u7684\u65f6\u95f4,\u4ece\u800c\u8282\u7701\u5458\u5de5\u6210\u672c\u548c\u8fd0\u4f5c\u6210\u672c,\u8d37\u6b3e\u4eba\u613f\u610f\u63a5\u53d7\u8f83\u4f4e\u7684\u8d37\u6b3e\u5229\u7387\u3002\u7531\u4e8eMLAB\u6bcf\u5929\u53c2\u4e0e\u94f6\u56e2\u8d37\u6b3e\u5e02\u573a,\u5173\u4e8e\u8d37\u6b3e\u94f6\u884c\u7684\u98ce\u9669\u80c3\u7eb3\u548c\u5e02\u573a\u4ef7\u683c\u57fa\u51c6,\u5b83\u62e5\u6709\u7b2c\u4e00\u624b\u7684\u8d44\u8baf,\u800c\u501f\u6b3e\u4eba\u5219\u6ca1\u6709,\u5c3d\u7ba1\u5e02\u573a\u65e9\u6709\u5de5\u5177\u6765\u83b7\u5f97\u8fd9\u4e9b\u8d44\u8baf<\/a>\u3002\u8fd8\u6709\u91cd\u8981\u7684\u4e00\u4e2a\u597d\u5904,\u94f6\u56e2\u8d37\u6b3e\u7684\u8fd8\u6b3e\u8bb0\u5f55\u53ef\u4ee5\u589e\u52a0\u501f\u6b3e\u4eba\u5728\u8d37\u6b3e\u5e02\u573a\u7684\u58f0\u8a89,\u4f7f\u501f\u6b3e\u4eba\u66f4\u5bb9\u6613\u5728\u672a\u6765\u83b7\u5f97\u878d\u8d44\u673a\u4f1a\u3002<\/p>\n\n\n\n

\u4ece\u8d37\u6b3e\u4eba\u65b9\u9762\u770b,\u94f6\u56e2\u8d37\u6b3e\u6709\u52a9\u4e8e\u8d37\u6b3e\u4eba\u5206\u6563\u4fe1\u8d37\u98ce\u9669,\u5bf9\u4e8e\u5355\u4e00\u8d37\u6b3e\u4eba\u6765\u8bf4,\u627f\u62c5\u6574\u4e2a\u94f6\u56e2\u8d37\u6b3e\u91d1\u989d\u7684\u5355\u4e00\u98ce\u9669\u662f\u5de8\u5927\u7684\u3002 MLAB\u4f5c\u4e3a\u5b89\u6392\u8005,\u5bf9\u6574\u4e2a\u94f6\u56e2\u8d37\u6b3e\u7684\u884c\u653f\u7ba1\u7406\u8d1f\u6709\u4e3b\u8981\u8d23\u4efb,\u4ece\u800c\u51cf\u8f7b\u53c2\u8d37\u884c\u7684\u884c\u653f\u6210\u672c\u3002 MLAB\u53ef\u4ee5\u4ece\u501f\u6b3e\u4eba\u90a3\u91cc\u8d5a\u53d6\u5b89\u6392\u8d39,\u589e\u52a0\u8d39\u7528\u6536\u5165,\u4ee5\u8865\u507f\u56e0\u94f6\u56e2\u8d37\u6b3e\u5206\u8584\u4e86\u7684\u8d37\u6b3e\u5206\u989d\u800c\u635f\u5931\u7684\u5229\u606f\u6536\u5165\u3002\u6574\u4f53\u800c\u8fd9, MLAB\u53ef\u4ee5\u901a\u8fc7\u94f6\u56e2\u8d37\u6b3e\u4e2d\u7684\u8d39\u7528\u6536\u5165,\u63d0\u9ad8\u94f6\u884c\u7684\u98ce\u9669\u8c03\u6574\u8d44\u672c\u56de\u62a5\u7387(RAROC)\u4ee5\u9039\u81f4\u7ee9\u6548\u8981\u6c42\u3002<\/p>\n\n\n\n

\u94f6\u56e2\u8d37\u6b3e\u7684\u5b9a\u4ef7<\/h2>\n\n\n\n

\u94f6\u56e2\u8d37\u6b3e\u53ef\u4ee5\u4ee5\u4e0d\u540c\u7c7b\u578b\u7684\u8d37\u6b3e\u7c7b\u578b\u548c\u62b5\u62bc\u54c1\u8fdb\u884c\u7ed3\u6784\u8bbe\u8ba1\u3002\u5f53\u7136,\u4e0d\u540c\u7684\u8d37\u6b3e\u7c7b\u578b\u6d10\u751f\u51fa\u4e0d\u540c\u7684\u5229\u606f\u5b9a\u4ef7,\u53ef\u4ee5\u662f\u56fa\u5b9a\u5229\u7387\u6216\u6d6e\u52a8\u5229\u7387,\u4e0d\u540c\u7684\u9009\u62e9\u8ba9\u501f\u6b3e\u4eba\u5728\u8d22\u52a1\u9884\u7b97\u4e0a\u66f4\u52a0\u7075\u6d3b\u3002\u6d6e\u52a8\u5229\u7387\u662f\u6307\u5728\u8d37\u6b3e\u5e74\u671f\u91cc\u4ee5\u6d6e\u52a8\u5229\u7387\u8ba1\u7b97\u5229\u606f\u6210\u672c,\u901a\u5e38\u6309\u57fa\u51c6\u5229\u7387\u52a0\u606f\u5dee\u8ba1\u7b97\u3002\u4e0b\u56fe\u662fFinMonster\u8d37\u6b3e\u5e02\u573a\u7684\u6d6e\u52a8\u5229\u7387\u793a\u4f8b<\/a>,\u606f\u5dee\u4e3a2.92%,\u800c\u57fa\u51c6\u5229\u7387\u4e3aHIBOR\u3002\u9999\u6e2f\u4e00\u822c\u7684\u57fa\u51c6\u5229\u7387\u4e3a\u94f6\u884c\u6700\u4f18\u60e0\u5229\u7387(Prime Rate)\u3001\u9999\u6e2f\u94f6\u884c\u540c\u4e1a\u62c6\u606f\u5229\u7387(HIBOR)\u6216\u4f26\u6566\u94f6\u884c\u540c\u4e1a\u62c6\u606f\u5229\u7387(LIBOR),\u7531\u5229\u7387\u786e\u8ba4\u5b9a\u4ef7\u5468\u671f\u3002\u6700\u5e38\u89c1\u7684\u56fa\u5b9a\u671f\u662f\u6bcf\u4e09\u4e2a\u6708\u4e00\u6b21(\u5982\u9009\u62e93\u4e2a\u6708\u671f\u7684\u540c\u4e1a\u62c6\u606f\u5229\u7387)\u3002<\/p>\n\n\n\n

\u94f6\u56e2\u8d37\u6b3e\u7684\u5b9a\u4ef7\u8fd8\u5305\u62ec\u4ece\u521d\u59cb\u63d0\u6b3e\u91cc\u6536\u53d6\u7ed9\u4e88\u53c2\u8d27\u884c\u7684\u5b89\u6392\u8d39\u3002\u5b89\u6392\u8d39\u4e00\u822c\u4ee5\u878d\u8d44\u91d1\u989d\u7684\u591a\u5c11\u4f5c\u4e3a\u5206\u5c42\u7684\u6536\u8d35\u3002\u4ee5\u4e0b\u9762“\u78a7\u6842\u56ed”<\/a>\u7684\u94f6\u56e2\u4e3a\u4f8b,\u8d85\u8fc77500\u4e07\u6e2f\u5143\u7684\u53c2\u8d37\u91d1\u989d,\u5b89\u6392\u8d39\u4e3a\u6700\u9ad8\u76842.35%\u3002\u8d85\u8fc7\u6e2f\u5e015000\u4e07\u6e2f\u5143\u53c2\u8d37\u989d\u7684\u7684\u8d37\u6b3e\u4eba\u5219\u6536\u53d62.17%\u7684\u5b89\u6392\u8d39\u3002<\/p>\n\n\n\n

\u4e0a\u6587\u63d0\u5230(LINK\u540e\u8865),\u4ece\u94f6\u884c\u7684\u89d2\u5ea6\u6765\u770b,\u82e5\u4e24\u4e2a\u8d37\u6b3e\u4ea4\u6613\u91d1\u989d\u76f8\u540c,\u5b89\u6392\u8d39\u8d8a\u9ad8,\u94f6\u884c\u7684\u98ce\u9669\u8c03\u6574\u8d44\u672c\u56de\u62a5\u7387(RAROC)\u4fbf\u8d8a\u9ad8,\u56e0\u8f83\u9ad8\u7684\u5b89\u6392\u8d39\u6bd4\u4f8b\u610f\u5473\u7740\u66f4\u9ad8\u7684\u5373\u65f6\u56de\u62a5\u3002\u7136\u800c,\u501f\u6b3e\u4eba\u5219\u6709\u76f8\u53cd\u7684\u4f53\u9a8c,\u56e0\u5b89\u6392\u8d39\u4e00\u822c\u4ece\u8d37\u6b3e\u63d0\u6b3e\u91d1\u989d\u4e2d\u6263\u9664,\u90a3\u8d8a\u9ad8\u7684\u5b89\u6392\u8d39\u4ee3\u8868\u501f\u6b3e\u4eba\u7684\u53ef\u7528\u8d44\u91d1\u4fbf\u8d8a\u5c11\u3002<\/p>\n\n\n\n

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

\u8d22\u52a1\u5951\u7ea6<\/h2>\n\n\n\n

\u94f6\u56e2\u8d37\u6b3e\u662f\u627f\u8bfa\u8d37\u6b3e(Committed Loan)\u3002\u53ea\u8981\u501f\u6b3e\u4eba\u7b26\u5408\u6240\u6709\u7684\u63d0\u8d37\u6761\u4ef6,\u8d37\u6b3e\u4eba\u5fc5\u9700\u5c65\u884c\u63d0\u4f9b\u8d44\u91d1\u7684\u4e49\u52a1,\u3002\u4e3a\u4e86\u51cf\u8f7b\u8d37\u6b3e\u4eba\u5728\u6388\u4fe1\u5176\u95f4\u7684\u4fe1\u8d37\u98ce\u9669,\u5728\u8d37\u6b3e\u671f\u4e00\u822c\u4f1a\u6709\u4e0d\u540c\u7684\u627f\u8bfa\u6761\u6b3e\u53ca\u8d22\u52a1\u5951\u7ea6\u4ee5\u76d1\u6d4b\u501f\u6b3e\u4eba\u7684\u4fe1\u8d37\u98ce\u9669,\u8d22\u52a1\u5951\u7ea6(“\u5951\u7ea6”)\u901a\u5e38\u7528\u4e8e\u63a7\u5236\u501f\u6b3e\u4eba\u516c\u53f8\u7684\u6295\u8d44\u548c\u76d1\u6d4b\u501f\u6b3e\u4eba\u7684\u4e1a\u52a1\u8868\u73b0\u3002\u4e0e\u503a\u5377\u516c\u5f00\u5e02\u573a\u76f8\u6bd4,\u503a\u5377\u88ab\u5e7f\u6cdb\u6301\u6709,\u4ea6\u6613\u4e8e\u8f6c\u8ba9,\u4f7f\u6301\u6709\u4eba\u80fd\u591f\u4ee5\u4f4e\u5ec9\u7684\u65b9\u5f0f\u5206\u6563\u98ce\u9669\u3001\u7ba1\u7406\u6295\u8d44\u7ec4\u5408\u548c\u8f6c\u79fb\u4fe1\u8d37\u98ce\u9669\u3002\u9274\u4e8e\u6709\u5173\u503a\u5238\u501f\u6b3e\u4eba\u7684\u76f8\u5173\u4fe1\u606f\u900f\u660e\u5ea6\u9ad8,\u503a\u5377\u7684\u6761\u6b3e\u7ea6\u675f\u4e00\u822c\u8f83\u5c11,\u5bfc\u81f4\u6295\u8d44\u4eba\u5bf9\u501f\u6b3e\u4eba\u7684\u5408\u89c4\u76d1\u6d4b\u548c\u6267\u884c\u6210\u672c\u4e5f\u76f8\u5bf9\u8f83\u9ad8,\u540c\u65f6\u900f\u8fc7\u5408\u7ea6\u7684\u5236\u7ea6\u80fd\u529b\u4e5f\u76f8\u5bf9\u8f83\u5c11\u3002\u76f8\u6bd4\u4e4b\u4e0b,\u975e\u516c\u5f00\u503a\u52a1\u5e02\u573a\u5efa\u7acb\u5728\u8d37\u6b3e\u4eba\u548c\u501f\u6b3e\u4eba\u4e4b\u95f4\u5df2\u5b58\u5728\u5173\u7cfb\u4e0a\u3002\u5951\u7ea6\u4e00\u822c\u5df2\u5305\u542b\u5728\u8d37\u6b3e\u534f\u8bae\u4e0a,\u7740\u6b64\u63a7\u5236\u501f\u6b3e\u4eba\u7684\u91cd\u5927\u5546\u4e1a\u51b3\u5b9a,\u4f46\u67d0\u4e9b\u60c5\u51b5\u4e0b,\u4e3a\u4e86\u53cd\u6620\u8d37\u6b3e\u4eba\u5bf9\u5546\u4e1a\u8fd0\u4f5c\u7684\u4f4e\u63a7\u5236\u80fd\u529b,\u5951\u7ea6\u53ef\u80fd\u662f\u6602\u8d35\u4e14\u4e0d\u5b8c\u5584\u5730\u53cd\u6620\u4e86\u7ba1\u7406\u5c42\u7684\u8868\u73b0\u3002\u4e5f\u56e0\u5982\u6b64,\u94f6\u56e2\u6bd4\u516c\u5f00\u503a\u5238\u5e02\u573a\u7684\u597d\u5904\u662f,\u56e0\u5951\u7ea6\u9650\u5236\u76c8\u5229\u6d3b\u52a8\u7684\u98ce\u9669\u53ef\u4ee5\u900f\u8fc7\u8ddf\u4e00\u5c0f\u64ae\u7684\u8d37\u6b3e\u4eba\u91cd\u65b0\u8c08\u5224\u6240\u62b5\u6d88\u3002<\/p>\n\n\n\n

\u5951\u7ea6\u7684\u4e25\u7d27\u7a0b\u5ea6\u53d6\u51b3\u4e8e\u8d37\u6b3e\u4eba\u62e5\u6709\u591a\u5c11\u6216\u53ef\u5426\u5bb9\u6613\u83b7\u5f97\u501f\u6b3e\u4eba\u7684\u8d44\u8baf\u3002\u5982\u679c\u8d37\u6b3e\u4eba\u5bf9\u501f\u6b3e\u4eba\u7684\u4e1a\u52a1\u72b6\u51b5\u6ca1\u6709\u5b8c\u5168\u7684\u628a\u63a7,\u6709\u53ef\u80fd\u5bfb\u6c42\u66f4\u4e25\u683c\u7684\u5951\u7ea6,\u4ee5\u4fbf\u5bc6\u5207\u5730\u63a7\u5236\u501f\u6b3e\u4eba\u5546\u4e1a\u6d3b\u52a8\u3002\u8d22\u52a1\u5951\u7ea6\u7684\u4e25\u7d27\u7a0b\u5ea6\u4e00\u822c\u6839\u636e\u501f\u6b3e\u4eba\u548c\u8d37\u6b3e\u4eba\u534f\u5546\u7684\u4e1a\u52a1\u9884\u6d4b\u4f5c\u4e3a\u57fa\u51c6\u3002\u4ee5\u4e0b\u662f\u94f6\u56e2\u8d37\u6b3e\u4e2d\u4e00\u822c\u5e94\u7528\u7684\u8d22\u52a1\u5951\u7ea6:<\/p>\n\n\n\n

\u5951\u7ea6<\/td>\u5951\u7ea6\u79cd\u7c7b<\/td> <\/strong><\/td>\u5951\u7ea6<\/td>\u5951\u7ea6\u79cd\u7c7b<\/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

\u7ed3\u8bed<\/h2>\n\n\n\n

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\u73b0\u5728FinMonster \u4e0e\u5168\u7403\u77e5\u540d\u7684\u6570\u636e\u516c\u53f8Refinitiv\u5408\u4f5c\uff0c\u8054\u624b\u89e3\u51b3\u5e02\u573a\u8d44\u8baf\u4e0d\u5bf9\u79f0\u7684\u95ee\u9898\uff0c\u4e3a\u7528\u6237\u63d0\u4f9b\u57fa\u51c6\u5b9a\u4ef7\u3001\u6761\u6b3e\u3001\u8d37\u6b3e\u4f9b\u5e94\u3001\u65b0\u95fb\u548c\u5206\u6790\u7b49\u5404\u79cd\u6709\u5173\u8d37\u6b3e\u5e02\u573a\u52a8\u6001\u7684\u91cd\u8981\u8d44\u8baf\u6240\u6709\u7528\u6237\u53ef\u4eab7\u5929\u514d\u8d39\u8bd5\u7528<\/strong><\/p>\n\n\n\n

\n
\u514d\u8cbb\u8a66\u7528<\/a><\/div>\n<\/div>\n\n\n\n
\n\n\n\n

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