{"id":251219,"date":"2021-09-03T13:25:50","date_gmt":"2021-09-03T05:25:50","guid":{"rendered":"\/\/m.catawbaoil.com\/251219.html"},"modified":"2021-09-03T13:25:50","modified_gmt":"2021-09-03T05:25:50","slug":"%e6%9e%97%e9%87%87%e5%ae%9c%ef%bc%9a%e4%b8%ad%e5%9b%bd%e4%bd%8f%e5%ae%85%e5%9c%b0%e4%ba%a7%e7%9a%84%e7%b9%81%e8%8d%a3%e8%bf%98%e8%83%bd%e6%8c%81%e7%bb%ad%e5%a4%9a%e4%b9%85%ef%bc%9f","status":"publish","type":"post","link":"\/\/m.catawbaoil.com\/251219.html","title":{"rendered":"\u6797\u91c7\u5b9c\uff1aX\u4f4f\u5b85\u5730\u4ea7\u7684\u7e41\u8363\u8fd8\u80fd\u6301\u7eed\u591a\u4e45\uff1f"},"content":{"rendered":"<div>\n<p><p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><strong>\u6765\u6e90\uff1a\u4e2d\u56fd\u9996\u5e2d\u7ecf\u6d4e\u5b66\u5bb6\u8bba\u575b\u7814\u7a76\u9662<\/strong><span><\/span><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><strong>\u672c\u6587\u4f5c\u8005\u6797\u91c7\u5b9c\u4e3a\u4e2d\u56fd\u9996\u5e2d\u7ecf\u6d4e\u5b66\u5bb6\u8bba\u575b\u7814\u7a76\u9662\u526f\u9662\u957f\uff0c\u80e1\u5955\u82c7\u4e3a\u4e2d\u56fd\u9996\u5e2d\u7ecf\u6d4e\u5b66\u5bb6\u8bba\u575b\u7814\u7a76\u9662\u7814\u7a76\u5458\u3002\u62a5\u544a\u6240\u8f7d\u4fe1\u606f\u6216\u6240\u8868\u8fbe\u7684\u610f\u89c1\u4ec5\u4e3a\u63d0\u4f9b\u53c2\u8003\uff0c\u4e0d\u6784\u6210\u5bf9\u4e70\u5165\u6216\u5356\u51fa\u4efb\u4f55\u8bc1\u5238\u7684\u5efa\u8bae\u3002<\/strong><span><\/span><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><br \/> <\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <\/p>\n<ul>\n<li> <span style=\"font-size:12.0pt;line-height:150%;\">\u4ece\u4e2d\u957f\u671f\u8d77\u6765\u770b\uff0c\u652f\u6491\u623f\u5730\u4ea7\u5e02\u573a\u7e41\u8363\u7684\u57fa\u7840\u662f\u4eba\u53e3\u589e\u957f\uff08\u5305\u62ec\u81ea\u7136\u589e\u957f\u548c\u79fb\u6c11\u52a0\u5165\uff09\u5c45\u6c11\u6536\u5165\u589e\u957f\uff0c\u4ece\u77ed\u671f\u6765\u770b\uff0c\u662f\u9f13\u52b1\u5c45\u6c11\u8d2d\u623f\u7684\u4fe1\u8d37\u653f\u7b56\uff08\u4f4f\u623f\u516c\u79ef\u91d1\u8d37\u6b3e\u53ca\u5176\u4ed6\u4f4e\u5229\u7387\u623f\u8d37\uff09\u548c\u7a0e\u6536\u653f\u7b56\uff08\u5982\u8d2d\u623f\u9000\u7a0e\u7b49\uff09\u7684\u6295\u8d44\u52a8\u529b\u3002<\/span> <\/li>\n<li> <span style=\"font-size:12.0pt;line-height:150%;\">\u5c31\u4e2d\u56fd\u800c\u8a00\uff0c\u4eba\u53e3\u8001\u9f84\u5316\u4f34\u968f\u7740\u6536\u5165\u589e\u901f\u4e0b\u964d\u5c06\u6291\u5236\u5c45\u6c11\u7684\u7f6e\u4e1a\u9700\u6c42\uff0c\u4e0e\u6b64\u540c\u65f6\uff0c\u201c\u623f\u4f4f\u4e0d\u7092\u201d\u7684\u653f\u7b56\u548c\u623f\u5730\u4ea7\u7a0e\u7684\u9884\u671f\u5c06\u6291\u5236\u623f\u5730\u4ea7\u6295\u8d44\u9700\u6c42\uff0c\u4e2d\u957f\u671f\u770b\uff0c\u4e2d\u56fd\u623f\u5730\u4ea7\u7684\u76db\u590f\u5df2\u7ecf\u65f6\u65e5\u65e0\u591a\u3002<\/span> <\/li>\n<\/ul>\n<p> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><br \/> <\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><strong>\u4e00\u3001\u4eba\u53e3\u548c\u6536\u5165\u662f\u652f\u6491\u623f\u5730\u4ea7\u5e02\u573a\u957f\u671f\u7e41\u8363\u7684\u57fa\u7840<\/strong><span> <\/span><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><br \/> <\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\">\u4e00\u822c\u800c\u8a00\uff0c\u623f\u4ef7\u4e0a\u6da8\u7684\u9a71\u52a8\u56e0\u7d20\u901a\u5e38\u5206\u4e3a\u4e24\u7c7b\uff1a\u2460\u7531\u4eba\u53e3\u589e\u52a0\u548c\u6536\u5165\u589e\u957f\u9a71\u52a8\u7684\u5c45\u4f4f\u9700\u6c42\uff1b\u2461\u7531\u8d27\u5e01\u653f\u7b56\u548c\u7a0e\u6536\u653f\u7b56\u63a8\u52a8\u7684\u6295\u8d44\u52a8\u529b\u3002<span><\/span><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><br \/> <\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><strong>1. <\/strong><\/span><span style=\"font-size:12.0pt;line-height:150%;\"><strong>\u7f8e\u56fd<\/strong><span><strong>60<\/strong><\/span><strong>\u5e74\u623f\u5730\u4ea7\u7e41\u8363\u7684\u539f\u56e0<\/strong><span><\/span><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><br \/> <\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\">\u4e8c\u6218\u7ed3\u675f\u540e\uff0c\u7f8e\u56fd\u623f\u5730\u4ea7\u4e1a\u7ecf\u5386\u4e86\u8fd1<span>60<\/span>\u5e74\u7684\u5e73\u7a33\u53d1\u5c55<span>[<\/span>\u6ce8<span>1]<\/span>\uff0c  \u4eba\u53e3\u589e\u957f\u662f\u652f\u6491\u623f\u4ef7\u957f\u671f\u4e0a\u884c\u7684\u57fa\u7840\u3002\u4e8c\u6218\u540e\u7684\u5a74\u513f\u6f6e\u4e00\u4ee3\u5728<span>70-80<\/span>\u5e74\u4ee3\u6210\u5bb6\u7acb\u4e1a\uff0c\u8fd9\u4e00\u65f6\u671f\u7f8e\u56fd\u9752\u58ee\u5e74\u4eba\u53e3\u89c4\u6a21\u548c\u589e\u957f\u7387\u5747\u4e3a\u4e8c\u5341\u4e16\u7eaa\u7684\u9ad8\u5cf0\uff0c<span>25<\/span>\u81f3<span>44<\/span>\u5c81\u4eba\u53e3\u589e\u957f\u7387\u4ece\u5e74\u5747<span>0.3%[1970<\/span>\u5e74\u524d\u7684\u589e\u957f\u7387<span>]<\/span>\u63d0\u5347\u81f3\u5176\u540e<span>20<\/span>\u5e74\u7684\u5e74\u5747<span>2.7%<\/span>\uff0c\u4eba\u53e3\u7684\u81ea\u7136\u589e\u957f\u5f62\u6210\u5bf9\u4f4f\u623f\u7684\u5de8\u5927\u9700\u6c42\u3002\u4e8c\u5341\u5e74\u540e\uff0c\u5230\u4e86<span>2000<\/span>\u5e74\uff0c\u4ed6\u4eec\u7684\u4e0b\u4e00\u4ee3\u957f\u5927\u6210\u4eba\uff0c\u4e2d\u9752\u5e74\u4eba\u53e3\u89c4\u6a21\u518d\u6b21\u51fa\u73b0\u4e00\u6b21\u5c0f\u5e45\u4e0a\u5347\uff0c\u4e24\u6b21\u5a5a\u80b2\u4eba\u53e3\u589e\u957f\u9ad8\u5cf0\u5747\u4f34\u968f\u7740<span>3<\/span>\u81f3<span>9<\/span>\u5e74\u540e\u4f4f\u623f\u4ef7\u683c\u7684\u663e\u8457\u4e0a\u884c\u3002<span><\/span><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><img decoding=\"async\" src=\"http:\/\/www.chinacef.cn\/public\/editor\/attached\/image\/20201102\/20201102104801_73440.png\" alt=\"\u6797\u91c7\u5b9c\uff1a\u4e2d\u56fd\u4f4f\u5b85\u5730\u4ea7\u7684\u7e41\u8363\u8fd8\u80fd\u6301\u7eed\u591a\u4e45\uff1f\" \/><br \/> <\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\">\u6b64\u5916\uff0c\u5c45\u6c11\u6536\u5165\u7684\u53d8\u5316\u4e5f\u662f\u5f71\u54cd\u623f\u4ef7\u7684\u91cd\u8981\u56e0\u7d20\u3002\u6700\u8fd1\u4e09\u5341\u5e74\uff08<span>1990-2020<\/span>\uff09\u7684\u6570\u636e\u663e\u793a\uff1a\u7f8e\u56fd\u7684\u623f\u4ef7\u6307\u6570\u548c\u5c45\u6c11\u6536\u5165\u6c34\u5e73\u7684\u53d8\u5316\u5448\u73b0\u660e\u663e\u7684\u540c\u6b65\u6027\u3002<span><\/span><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><img decoding=\"async\" src=\"http:\/\/www.chinacef.cn\/public\/editor\/attached\/image\/20201102\/20201102104812_17563.png\" alt=\"\u6797\u91c7\u5b9c\uff1a\u4e2d\u56fd\u4f4f\u5b85\u5730\u4ea7\u7684\u7e41\u8363\u8fd8\u80fd\u6301\u7eed\u591a\u4e45\uff1f\" \/><br \/> <\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\">\u9664\u4e86\u4eba\u53e3\u548c\u6536\u5165\u4ee5\u5916\uff0c\u8d27\u5e01\u653f\u7b56\u548c\u91d1\u878d\u73af\u5883\u4e5f\u662f\u5f71\u54cd\u623f\u4ef7\u7684\u91cd\u8981\u56e0\u7d20\u3002<span><\/span><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><br \/> <\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\">\u4e0a\u4e2a\u4e16\u7eaa<span>60<\/span>\u5e74\u4ee3\u4ee5\u6765\uff0c\u7f8e\u56fd\u6bcf\u4e2a\u4f4f\u623f\u9500\u91cf\u9ad8\u5cf0\u80cc\u540e\u5747\u662f\u8054\u90a6\u57fa\u91d1\u5229\u7387\u7684\u660e\u663e\u4e0b\u8c03\u3002\u8fdb\u5165<span>90<\/span>\u5e74\u4ee3\u540e\uff0c\u867d\u7136<span>25-44<\/span>\u5c81\u7684\u9752\u58ee\u5e74\u4eba\u53e3\u589e\u901f\u653e\u7f13<span>[ <\/span>\u8fdb\u5165<span>21<\/span>\u4e16\u7eaa\u540e\u5e74\u5747\u589e\u957f\u4f4e\u81f3<span>-0.06%]<\/span>\uff0c\u4f46\u8d27\u5e01\u5bbd\u677e\u548c\u4e00\u7cfb\u5217\u4f4f\u623f\u8d37\u6b3e\u4f18\u60e0\u653f\u7b56\u50ac\u751f\u7684\u6295\u8d44\u9700\u6c42\u4f9d\u7136\u5728\u652f\u6491\u7f8e\u56fd\u7684\u623f\u4ef7\u6301\u7eed\u8d70\u5f3a\u3002\u5c24\u5176\u662f<span>2000<\/span>\u5e74\u4e92\u8054\u7f51\u6ce1\u6cab\u7834\u706d\u540e\uff0c\u7f8e\u8054\u50a8\u5148\u540e<span>12<\/span>\u6b21\u964d\u606f\uff0c\u628a\u8054\u90a6\u57fa\u91d1\u5229\u7387\u4ece<span>6.5%<\/span>\u4e0b\u8c03\u81f3<span>1.75%<\/span>\uff0c\u6781\u5927\u5730\u523a\u6fc0\u4e86\u4f4f\u623f\u9500\u552e\uff0c\u5bfc\u81f4\u623f\u4ef7\u6307\u6570\u521b\u4e0b\u516d\u5341\u5e74\u65b0\u9ad8\u3002\u5bbd\u677e\u7684\u8d27\u5e01\u653f\u7b56\u6fc0\u53d1\u7684\u6295\u8d44\u6027\u9700\u6c42\u4e5f\u662f\u4fc3\u8fdb\u5730\u4ea7\u7e41\u8363\u751a\u81f3\u50ac\u751f\u5730\u4ea7\u6ce1\u6cab\u7684\u91cd\u8981\u56e0\u7d20\u3002<span><\/span><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><img decoding=\"async\" src=\"http:\/\/www.chinacef.cn\/public\/editor\/attached\/image\/20201102\/20201102104822_93065.png\" alt=\"\u6797\u91c7\u5b9c\uff1a\u4e2d\u56fd\u4f4f\u5b85\u5730\u4ea7\u7684\u7e41\u8363\u8fd8\u80fd\u6301\u7eed\u591a\u4e45\uff1f\" \/><br \/> <\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\">\u9664\u4e86\u5bbd\u677e\u7684\u8d27\u5e01\u653f\u7b56\u4ee5\u5916\uff0c\u5bbd\u677e\u7684\u4fe1\u8d37\u653f\u7b56\u548c\u9ad8\u5ea6\u91d1\u878d\u5316\u4e5f\u662f\u50ac\u751f\u5730\u4ea7\u9700\u6c42\u7684\u91cd\u8981\u56e0\u7d20\u3002\u4f8b\u5982\u4f4e\u9996\u4ed8\u751a\u81f3\u96f6\u9996\u4ed8\u7684\u4f4f\u623f\u6309\u63ed\u653f\u7b56\u3002\u8054\u90a6\u4f4f\u623f\u91d1\u878d\u5c40\u8bbe\u7f6e\u8f83\u4f4e\u7684\u623f\u8d37\u9996\u4ed8\u6bd4\u4f8b\uff0c\u5e76\u901a\u8fc7\u4f17\u591a\u4fdd\u9669\u673a\u6784\u7684\u9996\u4ed8\u51cf\u514d\u653f\u7b56\u8fdb\u4e00\u6b65\u964d\u4f4e\u5b9e\u9645\u9996\u4ed8\u6bd4\u4f8b\uff0c\u4f8b\u5982\uff0c\u4e24\u623f\u89c4\u5b9a\u7684\u7f8e\u56fd\u5408\u89c4\u623f\u8d37\u9996\u4ed8\u6bd4\u4f8b\u540d\u4e49\u4e0a\u4e3a<span>20%<\/span>\uff0c\u5b9e\u9645\u8d2d\u4e70<span>FHA<\/span>\u4fdd\u9669\u53ef\u964d\u4f4e\u81f3<span>3.5%<\/span>\uff0c<span>VA<\/span>\u7b49\u673a\u6784\u63d0\u4f9b\u7684\u623f\u8d37\u4fdd\u9669\u66f4\u80fd\u4f7f\u7b26\u5408\u6761\u4ef6\u7684\u8d2d\u4e70\u8005\u96f6\u9996\u4ed8\u83b7\u5f97\u4f4f\u623f\u8d37\u6b3e\u3002<span><\/span><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><br \/> <\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\">2000<\/span><span style=\"font-size:12.0pt;line-height:150%;\">\u5e74\u540e\u7684\u7f8e\u56fd<span>75<\/span>\u4e2a\u57ce\u5e02\u7684\u4f4f\u623f\u8d37\u6b3e\u5b9e\u9645\u5e73\u5747\u9996\u4ed8\u6bd4\u4f8b\u4e2d\u4f4d\u6570\u4e0d\u8d85\u8fc7<span>10%[<\/span>\u6700\u9ad8\u7684\u57ce\u5e02\u4e0d\u8fc7<span>25%]<\/span>\u3002<span><\/span><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><img decoding=\"async\" src=\"http:\/\/www.chinacef.cn\/public\/editor\/attached\/image\/20201102\/20201102104832_95144.png\" alt=\"\u6797\u91c7\u5b9c\uff1a\u4e2d\u56fd\u4f4f\u5b85\u5730\u4ea7\u7684\u7e41\u8363\u8fd8\u80fd\u6301\u7eed\u591a\u4e45\uff1f\" \/><br \/> <\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\"><\/span> <\/p>\n<p style=\"text-indent:24.0pt;\"> <span style=\"font-size:12.0pt;line-height:150%;\">\u4fe1\u7528\u4e00\u518d\u4e0b\u6c89\u5bfc\u81f4\u623f\u5c4b\u8d37\u6b3e\u53d1\u653e\u673a\u6784\u7684\u98ce\u9669\u655e\u53e3\u4e0d\u65ad\u6269\u5927\uff0c\u6b64\u65f6\u623f\u8d37\u91d1\u878d\u5316\u9ad8\u5ea6\u53d1\u8fbe\u7684\u5e02\u573a\u5728\u5e2e\u52a9\u653e\u8d37\u673a\u6784\u56de\u7b3c\u6d41\u52a8\u6027\u3001\u8f6c\u79fb\u98ce\u9669\u7684\u8fc7\u7a0b\u4e2d\u626e\u6f14\u4e86\u91cd\u8981\u7684\u89d2\u8272\u3002<span>70<\/span>\u5e74\u4ee3\u623f\u5730\u7f8e\u548c\u5409\u5229\u7f8e\u6210\u7acb\uff0c\u5176\u540e<span>20<\/span>\u5e74\u5185<span>MBS<\/span>\u548c<span>CMO<\/span>\u7684\u53d1\u884c\u89c4\u6a21\u7ffb<span>10<\/span>\u500d\u6709\u4f59\uff0c<span>2001<\/span>\u81f3<span>2007<\/span>\u5e74\u623f\u5730\u4ea7\u6ce1\u6cab\u65f6\u671f\u7f8e\u56fd\u4f4f\u623f\u62b5\u62bc\u8d37\u6b3e\u503a\u5238\u603b\u53d1\u884c\u91cf\u6700\u9ad8\u6269\u5927\u8fd1\u4e00\u500d\uff0c\u5176\u4e2d\u975e\u673a\u6784\u53d1\u884c\u91cf\u5e74\u5747\u589e\u957f<span>68%<\/span>\u3002\u623f\u8d37\u91d1\u878d\u5316\u5f62\u6210\u7684\u98ce\u9669\u8f6c\u79fb\u673a\u5236\u8fdb\u4e00\u6b65\u523a\u