{"id":2867,"date":"2018-09-27T21:45:44","date_gmt":"2018-09-27T13:45:44","guid":{"rendered":"https:\/\/www.mpfdiy.com\/?p=2867"},"modified":"2022-03-24T05:00:53","modified_gmt":"2022-03-23T21:00:53","slug":"%e9%80%80%e4%bc%91%e7%90%86%e8%b2%a12-%e9%80%80%e4%bc%91%e5%80%bc%e5%b9%be%e9%8c%a2","status":"publish","type":"post","link":"https:\/\/www.mpfdiy.com\/2018\/09\/%e9%80%80%e4%bc%91%e7%90%86%e8%b2%a12-%e9%80%80%e4%bc%91%e5%80%bc%e5%b9%be%e9%8c%a2\/","title":{"rendered":"\u9000\u4f11\u7406\u8ca1#2 – \u9000\u4f11\u503c\u5e7e\u9322"},"content":{"rendered":"

\u9000\u4f11\u7406\u8ca1#2 – \u9000\u4f11\u503c\u5e7e\u9322<\/span><\/strong><\/span><\/h2>\n

 <\/p>\n

 <\/p>\n

\u9000\u4f11\u503c\u5e7e\u9322\uff1f\u554f\u7684\u662f\u9000\u4f11\u958b\u652f\u662f\u591a\u5c11\uff1f<\/span><\/p>\n

 <\/p>\n

\u5c07\u9000\u4f11\u958b\u652f\u6578\u5b57\u5316\u662f\u4e00\u500b\u8cc7\u7522\u5b9a\u50f9\uff08valuation\uff09\u7684\u904e\u7a0b\uff0c\u4e00\u822c\u7684\u8cc7\u7522\u5b9a\u50f9\u53ef\u5206\u70ba\u4e09\u500b\u9762\u5411\uff1a\u904e\u53bb<\/strong><\/span>\u3001\u73fe\u5728<\/strong><\/span>\u3001\u5c07\u4f86<\/strong><\/span>\uff08\u898b\u524d\u6587\u7684\u5f8c\u8a18<\/a>\uff09\u3002\u653e\u5165\u5c07\u9000\u4f11\u958b\u652f\u5b9a\u50f9\u7684\u60c5\u666f\uff0c\u53ef\u4ee5\u6709\u4ee5\u4e0b\u7684\u8003\u91cf\uff1a<\/span><\/p>\n

 <\/p>\n

\n

 <\/p>\n

1.\u904e\u53bb<\/span><\/strong><\/span><\/p>\n

 <\/p>\n

\u5f9e\u300c\u904e\u53bb\u300d\u89d2\u5ea6\u53bb\u8003\u616e\u8cc7\u7522\u7684\u5b9a\u50f9\uff0c\u5e38\u898b\u7684\u6709\u91cd\u7f6e\u6210\u672c\uff08Replacement Cost\uff09\uff0c\u4f8b\u5982\u4f60\u8cb7\u5168\u4fdd\uff0c\u67b6\u8eca\u6c34\u6d78total loss\uff0c\u4fdd\u96aa\u516c\u53f8\u6703\u8ce0\u591a\u5c11\u9322\u7d66\u4f60\uff1f\u4e0d\u4e00\u5b9a\u662f\u8ce0\u4e00\u67b6\u65b0\u8eca\u7d66\u4f60\uff0c\u800c\u53ef\u80fd\u662f\u91cd\u7f6e\u4f60\u7684\u8eca\u8f1b\u7684\u6210\u672c\uff0c\u5c31\u662f\u7d93\u904e\u843d\u5730\u53ca\u76f8\u540c\u91cc\u6578\u3001\u4fdd\u990a\u53ca\u4f7f\u7528\u5f8c\u7684\u50f9\u503c\u3002<\/span><\/p>\n

 <\/p>\n

\u9019\u7a2e\u53ea\u8003\u616e\u300c\u904e\u53bb\u300d\u7684\u89d2\u5ea6\uff0c\u653e\u65bc\u9000\u4f11\u91d1\u53ef\u4ee5\u662f\u5c0d\u300c\u904e\u53bb\u300d\u7684\u81ea\u5df1\u7684\u5132\u84c4\u8981\u6c42\uff0c\u4f8b\u5982\u4e94\u5341\u6b72\u56de\u671b\u81ea\u5df1\u61c9\u8a72\u5132\u84c4\u591a\u5c11\u7684\u9000\u4f11\u91d1\uff0c\u5927\u5bb6\u53ef\u53c3\u8003\u300a\u7a4d\u91d1\u5927\u53cd\u64ca\u300b\u7b2c99\u9801\u7684\u300e\u9000\u4f11\u91d1\u5132\u84c4\u76ee\u6a19\u8207\u6708\u85aa\u6bd4\u4f8b\u300f\u5716\u8868<\/strong>\uff0c\u8a72\u5716\u8868\u5217\u51fa\u5404\u5e74\u6b72\u9700\u8981\u5132\u84c4\u591a\u5c11\u500d\u7576\u5e74\u6708\u85aa\u7684\u9000\u4f11\u91d1\uff0c\u91cd\u9ede\u6578\u5b57\u5982\u4e0b\uff1a<\/span><\/p>\n

 <\/p>\n

 <\/p>\n\n\n\n\n\n\n\n
\u5e74\u6b72<\/span><\/strong><\/td>\nX\u500d\u6708\u85aa<\/span><\/strong><\/td>\n<\/tr>\n
30<\/span><\/td>\n17<\/span><\/td>\n<\/tr>\n
40<\/span><\/td>\n40<\/span><\/td>\n<\/tr>\n
50<\/span><\/td>\n76<\/span><\/td>\n<\/tr>\n
65<\/span><\/td>\n167<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

 <\/p>\n

\u56e0\u70ba\u8907\u5229\uff08compound interest\uff09\u7684\u95dc\u4fc2\uff0c\u9000\u4f11\u524d15\u5e74\uff0850\u81f365\u6b72\uff09\u61c9\u8a72\u662f\u9000\u4f11\u91d1\u7684\u9ec3\u91d1\u589e\u9577\u671f\uff0c\u753150\u6b72\u768476\u500d\u6708\u85aa\u523065\u6b72\u7684167\u500d\u6708\u85aa\uff0c\u9700\u8981\u589e\u52a0\u9000\u4f11\u91d1\u5132\u84c4\u4e00\u500d\u591a\u5c11\u5c11\uff0c\u630972\u6cd5\u5247<\/a>\uff0c\u56de\u5831\u8981\u670972\/15=4.8%\u3002<\/span><\/p>\n

 <\/p>\n

\u4e0d\u904e\u6709\u4e00\u9ede\u8981\u6ce8\u610f\uff0c\u300e\u9000\u4f11\u91d1\u5132\u84c4\u76ee\u6a19\u8207\u6708\u85aa\u6bd4\u4f8b\u300f\u662f\u6309\u7576\u5e74\u6708\u85aa\u8a08\u7b97\uff0c\u7531\u65bc\u6708\u85aa\u6703\u96a8\u5347\u8077\u53ca\u901a\u8139\u589e\u52a0\uff0c\u6240\u4ee5\u4e00\u822c\u4eba\u7528\u7684\u540d\u7fa9\u56de\u5831\uff08nominal return\uff09\uff0c\u662f\u8981\u5c0772\u6cd5\u5247<\/a>\u7684\u5be6\u8cea\u56de\u5831\uff08real return\uff09\u52a0\u4e0a\u901a\u8139\uff0c\u5927\u7d04\u70ba4.8%+4%=8.8%\uff0c\u6240\u4ee5\u300a\u7a4d\u91d1\u5927\u53cd\u64ca\u300b\u7b2c98\u9801\u4ee5\u56de\u58318.5%\u4f5c\u8a08\u7b97\u3002<\/span><\/p>\n

 <\/p>\n

\n

 <\/p>\n

2.\u73fe\u5728<\/span><\/strong><\/span><\/p>\n

 <\/p>\n

\u8003\u616e\u300c\u904e\u53bb\u300d\u7684\u89d2\u5ea6\u6709\u9ede\u50cf\u8dd1\u6578\uff0c\u5982\u679c\u5230\u9000\u4f11\u90fd\u8ffd\u5514\u5230\u5481\u9ede\u7b97\uff1f\u4e00\u4fc2\u5ef6\u9072\u9000\u4f11\uff0c\u4e00\u4fc2\u964d\u4f4e\u4e00\u9ede\u751f\u6d3b\u6c34\u5e73\u3002<\/span><\/p>\n

 <\/p>\n

\u300a\u7a4d\u91d1\u5927\u53cd\u64ca\u300b\u7b2c112\u9801<\/strong>\u7684\u300e4%\u6cd5\u5247\u300f\u662f\u4e00\u7a2e\u300c\u73fe\u5728\u300d<\/strong>\u7684\u7528\u9322\u89d2\u5ea6\uff0c\u6709\u5e7e\u591a\u99db\u5e7e\u591a\uff0c\u7747\u9938\u98df\u98ef\u3002\u5047\u8a2d\u4f60\u9000\u4f11\u524d\u6708\u85aa\u70ba\u4e8c\u842c\u5143\uff0c167\u500d\u6708\u85aa\u4fbf\u662f334\u842c\u5143\uff0c\u9000\u4f11\u5f8c\u9996\u5e74\u53ef\u75284%\uff0c\u5373334 x 4% = 13.4\u842c\u5143\uff0c\u6216\u6bcf\u67081.1\u842c\u5143\uff0c\u6b64\u6bcf\u6708\u53ef\u7528\u9000\u4f11\u91d1\u5927\u7d04\u70ba\u9000\u4f11\u524d\u6708\u85aa\u768455%\u81f360%\uff0c\u800c\u9000\u4f11\u5f8c\u958b\u652f\u662f\u9000\u4f11\u524d\u6708\u85aa\u768460%\uff0c\u4ea6\u662f\u300a\u7a4d\u91d1\u5927\u53cd\u64ca\u300b\u7b2c98\u9801\u7684\u8a2d\u5b9a\uff0c\u6b64\u6bd4\u7387\u88ab\u7a31\u70ba\u300c\u66ff\u4ee3\u6536\u5165\u300d\uff08replacement income\uff09<\/span><\/strong>\u3002<\/span><\/p>\n

 <\/p>\n

 <\/p>\n

\u6309\u7d93\u6fdf\u5408\u4f5c\u66a8\u767c\u5c55\u7d44\u7e54\uff08OECD\uff09<\/strong>\u7684\u7d71\u8a08\u6578\u5b57\uff0c\u570b\u969b\u4e0a\u300c\u66ff\u4ee3\u6536\u5165\u300d\u7684\u6bd4\u7387\u5e73\u5747\u7d04\u70ba62.2%\uff08\u898b\u6b64<\/a>\uff09\uff0c\u6b64\u5e73\u5747\u6578\u662f\u5c0d\u61c9\u7740\u8a72\u5730\u5340\u7684\u6536\u5165\u4e2d\u4f4d\u6578\u3002\u9999\u6e2f\u65bc2017\u5e74\u7684\u6536\u5165\u4e2d\u4f4d\u6578<\/a>\u662f$16800\uff0c\u5982\u679c\u6536\u5165\u662f\u4e2d\u4f4d\u6578\u7684\u4e00\u534a\uff0c\u6309OCED\u7684\u7d71\u8a08\u6578\u5b57\u4e0b\u300c\u66ff\u4ee3\u6536\u5165\u300d\u6bd4\u7387\u4fbf\u8981\u63d0\u5347\u523070%\u81f380%\uff1b\u5982\u679c\u6536\u5165\u9ad8\u65bc\u4e2d\u4f4d\u6578\uff0c\u300c\u66ff\u4ee3\u6536\u5165\u300d\u6bd4\u7387\u4fbf\u53ef\u4f4e\u65bc60%\u81f350%\u3002\u5373\u662f\u8aaa\uff0c\u4eba\u5de5\u6108\u4f4e\u4fbf\u9910\u6435\u9910\u98df\u9910\u9910\u6e05\uff0c\u8981\u6309\u9000\u4f11\u524d\u6708\u85aa\u768470%\u81f380%\u8003\u616e\u9000\u4f11\u5f8c\u958b\u652f\uff1b\u800c\u9ad8\u85aa\u4e00\u65cf\uff0c\u6309\u9000\u4f11\u524d\u6708\u85aa\u768450%\u81f360%\u4f5c\u70ba\u958b\u652f\uff0c\u5df2\u7d93\u53ef\u4ee5\u4fdd\u6301\u5230\u751f\u6d3b\u6c34\u5e73\u3002<\/span><\/p>\n

 <\/p>\n

\u9019\u5c31\u662f\u300a\u7a4d\u91d1\u5927\u53cd\u64ca\u300b\u4ee5\u300c\u66ff\u4ee3\u6536\u5165\u300d\u6bd4\u738760%\u4f5c\u5e73\u5747\u8a08\u7b97\u7684\u51fa\u8655\u3002<\/span><\/strong><\/span><\/p>\n

 <\/p>\n

\u53e6\u5916\uff0c\u4ee5\u300c\u73fe\u5728\u300d\u7684\u7528\u9322\u89d2\u5ea6\uff0c\u5e0c\u671b\u63d0\u65e9\u9000\u4f11\u53ef\u53c3\u8003\u300a\u7a4d\u91d1\u5927\u53cd\u64ca\u300b\u7b2c121\u9801\u7684\u5217\u8868\uff0c\u77e5\u9053\u64c1\u67092000\u842c\u5143\u65bc40\u6b72\u9000\u4f11\u5f8c\uff0c\u4fdd\u5b88\u64cd\u4f5c\u53ea\u53ef\u6bcf\u6708\u958b\u652f2\u842c\u5143\uff0c\u9032\u53d6\u64cd\u4f5c\u53ef\u6bcf\u6708\u958b\u652f3\u842c\u5143\u3002<\/span><\/p>\n

 <\/p>\n

\u5047\u5982\u4eca\u5929\u662f\u9000\u4f11\u4e2d\u6bb570\u300180\u6b72\uff0c\u906d\u9047\u91d1\u878d\u5371\u6a5f\uff0c\u9000\u4f11\u91d1\u7121\u5de6\u4e00\u622a\uff0c\u300c\u73fe\u5728\u300d\u9ede\u7b97\uff1f\u53ef\u53c3\u8003\u524d\u6587 1<\/a>\u00a0 2<\/a>\u3002<\/span><\/p>\n

 <\/p>\n

\n

 <\/p>\n

3.\u5c07\u4f86<\/span><\/strong><\/span><\/p>\n

 <\/p>\n

\u8ca1\u52d9\u81ea\u7406<\/strong><\/span>\u4e0d\u5916\u4e4e\u662f\u300c\u91cf\u51fa\u70ba\u5165\u3001\u91cf\u5165\u70ba\u51fa\u300d\u3002\u81ea\u5df1\u5efa\u7acb\u4e00\u500b\u6536\u5165\u652f\u51fa\u8cc7\u7522\u8ca0\u50b5\u5217\u8868\uff0c\u4f30\u8a08\u63a8\u7b97\u4e00\u4e0b\u300c\u5c07\u4f86\u300d\u7684\u6536\u5165\u652f\u51fa\u8cc7\u7522\u8ca0\u50b5\uff0c\u4fbf\u662f\u4ee5\u300c\u5c07\u4f86\u300d\u70ba\u8003\u616e\u8d77\u9ede\u7684\u9000\u4f11\u958b\u652f\u5b9a\u50f9\u3002<\/span><\/p>\n

 <\/p>\n

\u5927\u5bb6\u77e5\u4e0d\u77e5\u9053\u50b5\u5238\u662f\u5982\u4f55\u5b9a\u50f9\uff1f\u5c31\u662f\u6309\u5c07\u4f86\u5404\u6642\u671f\u7684\u5229\u606f\u6536\u5165\u8207\u53ca\u671f\u672b\u7684\u672c\u91d1\u56de\u6536\uff0c\u6298\u73fe\u5230\u4eca\u5929\u800c\u6210\u3002\u9000\u4f11\u958b\u652f\u90fd\u53ef\u4ee5\u6309\u540c\u6a23\u65b9\u6cd5\uff0c\u628a\u5c07\u4f86\u5404\u6642\u671f\u7684\u958b\u652f\u6298\u73fe\u5230\u4eca\u5929\uff0c\u5c0d\u6bd4\u4e00\u4e0b\u73fe\u6642\u7684\u8cc7\u7522\u7e3d\u503c\u3002<\/span><\/p>\n

 <\/p>\n

\u5982\u679c\u73fe\u6642\u7684\u8cc7\u7522\u7e3d\u503c\u4f4e\u65bc\u958b\u652f\u6298\u73fe\u503c\u7684\u8a71\uff0c\u4fbf\u662f\u6307\u73fe\u6642\u7684\u9000\u4f11\u8cc7\u7522\u4e0d\u80fd\u652f\u6301\u9000\u4f11\u958b\u652f\uff0c\u5982\u679c\u6309\u300c\u91cf\u5165\u70ba\u51fa\u300d\u53bb\u89e3\u6c7a\uff0c\u4fbf\u662f\u6e1b\u5c11\u9000\u4f11\u958b\u652f\uff1b\u6309\u300c\u91cf\u51fa\u70ba\u5165\u300d\u53bb\u89e3\u6c7a\uff0c\u4fbf\u662f\u589e\u52a0\u9000\u4f11\u8cc7\u7522\u56de\u5831\u3002<\/span><\/p>\n

 <\/p>\n

\n

 <\/p>\n

\u7e3d\u7d50\uff1a<\/span><\/strong><\/span><\/p>\n

 <\/p>\n

\u9000\u4f11\u958b\u652f\u5b9a\u50f9\u5176\u5be6\u9084\u6709\u5176\u4ed6\u5f88\u591a\u65b9\u5f0f\uff0c\u5927\u5bb6\u6309\u4e00\u5169\u7a2e\u81ea\u5df1\u6709\u80fd\u529b\u628a\u63e1\u7684\u53bb\u8003\u616e\u8a08\u7b97\u4fbf\u53ef\u3002\u7db2\u4e0a\u6709\u4e00\u5927\u5806\u9000\u4f11\u8a08\u7b97\u6a5f<\/a>\u53ef\u4ee5\u5e6b\u5230\u5927\u5bb6\u3002<\/span><\/p>\n

 <\/p>\n

\u5f71\u97ff\u9000\u4f11\u958b\u652f\u7684\u8b8a\u6578\u592a\u591a\uff08\u6de8\u4fc2\u5e7e\u6642\u6b7b\u5df2\u7d93\u5187\u4eba\u77e5\uff09\uff0c\u9000\u4f11\u958b\u652f\u53c8\u6bd4\u8f03\u500b\u4eba\u5316\uff0c\u53ea\u80fd\u6709\u4e00\u500b\u5927\u6982\u7684\u638c\u63e1\u3002<\/span><\/p>\n

 <\/p>\n

\u300a\u7a4d\u91d1\u5927\u53cd\u64ca\u300b\u6240\u63d0\u53ca\u7684167\u6708\u85aa\u53ca4%\u6cd5\u5247\uff0c\u5df2\u7d93\u63d0\u4f9b\u4e86\u4e00\u500b\u5927\u6982\u7684\u9000\u4f11\u91d1\u6846\u67b6\uff0c\u7d30\u7bc0\u4fbf\u7531\u5404\u4eba\u6309\u81ea\u5df1\u7684\u9700\u8981\u53ca\u8655\u666f\u4f5c\u51fa\u8abf\u7bc0\uff0c\u5187\u4eba\u53ef\u4ee5\u6307\u5b9a\u4f60\u904e\u4e00\u500b\u600e\u9ebc\u6a23\u7684\u4eba\u751f\uff0c\u9664\u4e86\u4f60\u81ea\u5df1\u3002\u6709\u6b63\u5e38\u8ca1\u52d9\u81ea\u7406\u80fd\u529b\u7684\u4eba\uff0c\u662f\u4e0d\u6703\u5c07\u81ea\u5df1\u7684\u9000\u4f11\u958b\u652f\u5916\u5224\u7d66\u5bb6\u4eba\u3001\u793e\u6703\u53ca\u653f\u5e9c\u3002\u5c07\u81ea\u5df1\u9000\u4f11\u7684\u8cac\u4efb\uff0c\u63a8\u7d66\u5bb6\u4eba\u3001\u793e\u6703\u53ca\u653f\u5e9c\uff0c\u5230\u8001\u6b7b\u9084\u662f\u8655\u65bc\u300c\u8ca1\u52d9\u5b69\u63d0\u300d\u7684\u72c0\u614b\u3002<\/span><\/p>\n

 <\/p>\n

 <\/p>\n

\u81ea\u5df1\u7684\u4eba\u751f\u662f\u7531\u81ea\u5df1\u8ca0\u8cac\u3002<\/span><\/strong><\/span><\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

\u4e0b\u6587\u7e8c<\/span><\/a><\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

Image from\u00a0depositphotos.com<\/span><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\u9000\u4f11\u7406\u8ca1#2 – \u9000\u4f11\u503c\u5e7e\u9322     \u9000\u4f11\u503c\u5e7e\u9322\uff1f\u554f\u7684\u662f\u9000\u4f11\u958b\u652f\u662f\u591a\u5c11\uff1f &n…<\/p>\n","protected":false},"author":1,"featured_media":2895,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[69],"tags":[27,50],"class_list":["post-2867","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-69","tag-27","tag-50"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2018\/09\/fruit-market.jpg?fit=1024%2C680&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p7Tc20-Kf","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/2867","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/comments?post=2867"}],"version-history":[{"count":5,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/2867\/revisions"}],"predecessor-version":[{"id":6913,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/2867\/revisions\/6913"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/media\/2895"}],"wp:attachment":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/media?parent=2867"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/categories?post=2867"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/tags?post=2867"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}