{"id":13263,"date":"2020-08-03T22:38:52","date_gmt":"2020-08-03T14:38:52","guid":{"rendered":"https:\/\/www.lixiangluntan.com\/13263.html"},"modified":"2020-08-03T22:38:52","modified_gmt":"2020-08-03T14:38:52","slug":"%e6%80%8e%e6%a0%b7%e5%88%a9%e7%94%a8%e7%a6%bb%e8%a7%a3%e6%af%94%e4%be%8b%e6%9d%a5%e7%a6%bb%e8%a7%a3%e5%85%ac%e5%8f%b8%e5%b9%b4%e6%8a%a5%ef%bc%9f_%e8%82%a1%e7%a5%a8k%e7%ba%bf%e5%9b%be","status":"publish","type":"post","link":"https:\/\/www.lixiangluntan.com\/?p=13263","title":{"rendered":"\u600e\u6837\u5229\u7528\u79bb\u89e3\u6bd4\u4f8b\u6765\u79bb\u89e3\u516c\u53f8\u5e74\u62a5\uff1f_\u80a1\u7968k\u7ebf\u56fe"},"content":{"rendered":"
\n

\u7b79\u7801\u96c6\u51dd\u80a1\u8981\u600e\u6837\u5f80\u7cbe\u786e\u5bfb\u89c5\uff1f<\/p>\n

\u3000\u3000
\n\u7b79\u7801\u96c6\u51dd\u80a1<\/strong>\u8981\u600e\u6837\u5f80\u7cbe\u786e\u5bfb\u89c5\uff1f\u7b79\u7801\u96c6\u51dd\u80a1\u8981\u4f55\u5982\u600e\u4e48\u5f80\u7cbe\u786e\u5bfb\u89c5\uff1f<\/p>\n<\/blockquote>\n

     <\/p>\n

\u3000\u3000\u600e\u6837\u5229\u7528\u79bb\u89e3\u6bd4\u4f8b<\/strong>\u6765\u79bb\u89e3\u516c\u53f8\u5e74\u62a5\uff1f\u4f55\u5982\u600e\u4e48\u5229\u7528\u79bb\u89e3\u6bd4\u4f8b\u6765\u79bb\u89e3\u516c\u53f8\u5e74\u62a5\uff1f<\/p>\n

\u3000\u3000\u5e02\u6ee1\u7387\u662f\u4e00\u4e2a\u8bef\u5bfc\u7684\u6bd4\u7387\uff0c\u65b9\u786e\u7684\u7528\u6cd5\u662f\u5c06\u5e02\u6ee1\u7387\u53cd\u8f6c\uff0c\u5c06\u6ee1\u5229\u9664\u4ee5\u5e02\u4ef7\uff0c\u5f97\u51fa\u4e00\u4e2a\u6ee1\u5229\u62a5\u7b54\u3002\u7b14\u8005\u5f3a\u8c03\u8981\u7528\u6ee1\u5229\u62a5\u7b54\u7387\uff0c\u4e0d\u6d88\u5e02\u6ee1\u7387\uff0c\u907f\u514d\u6df7\u540c\u3002\u5409\u6bd4\u5e02\u6ee1\u738720\u500d\uff0c\u6ee1\u5229\u62a5\u7b54\u7387\u5219\u4e3a\uff11\/ 20\uff0c\u53735%\u7684\u62a5\u7b54\u3002\u4e00\u4e2a5%\u7684\u62a5\u7b54\u6ca1\u65f1\u7cfb\u95f4\u63a5\u548c\u6052\u4e45\u503a\u5238\u62a5\u7b54\u4f5c\u4e00\u6bd4\u8f83\uff0c\u4e0d\u4f1a\u539f\u56e020\u500d\u800c\u906d\u5230\u8bef\u5bfc\u3002<\/p>\n

\u3000\u3000\u5e02\u6ee1\u7387\u7684\u65b9\u786e\u7528\u6cd5\uff0c\u95ed\u975e\u7528\u6765\u6d4b\u91cf\u4e00\u5bb6\u516c\u53f8\u7684\u5e02\u4ef7\u80fd\u975e\u514b\u5df1\uff0c\u65b9\u786e\u7684\u4f7f\u7528\u6cd5\uff0c\u662f\u5c06\u5e02\u6ee1\u7387\u9664\u4ee5\u516c\u53f8\u6ee1\u5229\u52a0\u52a0\u7387\uff0c\u5f97\u51fa\u7684\u7cfb\u6570\u6765\u6bd4\u8f83\u3002\u5409\u6bd4A\u516c\u53f8\u5e02\u6ee1\u738720\u500d\uff0c\u516c\u53f8\u6ee1\u5229\u52a0\u52a0\u7387\u4e3a20%\uff0c\u5f97\u51fa\u7684\u7cfb\u6570\u4e3a1\u3002B\u516c\u53f8\u7684\u5e02\u6ee1\u7387\u4e3a15\u500d\uff0c\u800c\u6ee1\u5229\u52a0\u52a0\u7387\u4e3a10%\uff0c\u6240\u5f97\u7cfb\u6570\u4e3a1.5\u3002\u6362\u8a00\u4e4b\uff0c\u56fa\u7136A\u516c\u53f8\u5e02\u6ee1\u7387\u8f83\u9ad8\uff0c\u4f46\u539f\u56e0\u6709\u8f83\u9ad8\u7684\u52a0\u52a0\u7387\uff0c\u6240\u4ee5\u53cd\u800c\u8f83B\u516c\u53f8\u514b\u5df1\u3002\u8fd9\u5373\u662f\uff08PE\/Growth\uff09\u7684\u7528\u6cd5\u3002<\/p>\n

\u3000\u3000\uff08\u4e8c\uff09\u8fb9\u9645\u5229\u6da6\u7387\uff08Profit Margin\uff09\u662f\u4e00\u4e2a\u5341\u79bb\u6709\u7528\u7684<\/p>\n

\u3000\u3000\u8fd9\u662f\u5728\u9009\u80a1\u8fc7\u7a0b\u508d\u8fb9\u5fc5\u7528\u7684\u6307\u6807\u3002\u6ca1\u65f1\u7cfb\u7528\u6bdb\u5229\u7387\u6216\u7eaf\u5229\u7387\u6765\u8ba1\u5212\u3002\u5c06\u53d1\u5356\u989d\u6263\u9664\u8fd0\u8425\u6210\u672c\uff0c\u5f97\u51fa\u6ea2\u5229\u603b\u989d\uff0c\u5c06\u6ea2\u5229\u603b\u989d\u548c\u53d1\u5356\u989d\u4f5c\u6bd4\u8f83\u5373\u662f\u6bdb\u5229\u7387\u3002\u800c\u7eaf\u5229\u7387\u5219\u662f\u5c06\u80a1\u4e1c\u7b54\u5360\u7eaf\u5229\u548c\u53d1\u5356\u989d\u4f5c\u6bd4\u8f83\u3002<\/p>\n

\u3000\u3000\u7eaf\u5229\u7387\u6d77\u6db5\u5409\u591a\u8d56\u5f02\u8eab\u79bb\uff0c\u5409\u6bd4\u4e24\u5bb6\u516c\u53f8\u5904\u7f6e\u540c\u4e00\u884c\u4e1a\uff0c\u7136\u5219\u4ed6\u4eec\u5728\u8d1f\u503a\u3001\u5446\u677f\u5e03\u7f6e\u7684\u6298\u65e7\u7387\u65b9\u9762\u8d56\u5f02\uff0c\u4e0b\u573a\u5176\u7eaf\u5229\u7387\u5c06\u4f1a\u6709\u6240\u8d56\u5f02\uff1b\u6bdb\u5229\u7387\u53ea\u662f\u6bd4\u8f83\u751f\u4ea7\u6216\u8fd0\u4f5c\u7684\u6bdb\u5229\uff0c\u4e0d\u662f\u6bd4\u8f83\u516c\u53f8\u7684\u8d62\u5229\u624d\u534e\u3002\u6bdb\u5229\u7387\u5173\u7528\u4e8e\u5bb6\u4ea7\u7c7b\u516c\u53f8\uff0c\u5356\u5bb6\u4ea7\u4ea7\u7269\u5df2\u7ecf\u8fbe\u5230\u56fd\u9645\u6c34\u4eae\uff0c\u6807\u7b7e\u5316\uff0c\u7528\u6bdb\u5229\u7387\u6765\u6bd4\u8f83\uff0c\u6ca1\u65f1\u7cfb\u671b\u5230\u516c\u53f8\u751f\u4ea7\u8fc7\u7a0b\u7684\u7ecf\u6d4e\u6548\u76ca\u3002\u8fd9\u662f\u6bdb\u5229\u7387\u7684\u4f5c\u7528\uff0c\u5341\u79bb\u6709\u9650\u5236\u6027\u3002<\/p>\n

\u3000\u3000\u7eaf\u5229\u7387\u5bf9\u6295\u8d44\u8005\u52a0\u500d\u5b9e\u7528\uff0c\u5b83\u53cd\u7b54\u4e86\u516c\u53f8\u7684\u501f\u8d37\u53ca\u5176\u4ed6\u6210\u672c\uff0c\u4e5f\u53cd\u7b54\u4e86\u5e03\u7f6e\u7684\u66f4\u65b0\u53ca\u6298\u65e7\uff0c\u66f4\u53cd\u7b54\u4e86\u7a0e\u7387\u7b49\u5404\u65b9\u9762\u8eab\u79bb\uff0c\u6545\u6b64\uff0c\u6bd4\u6bdb\u5229\u7387\u5168\u9762\u5f97\u591a\u3002\u6700\u5409\u7684\u6cd5\u5b50\u662f\u5c06\u540c\u7c7b\u79bb\u516c\u53f8\u6574\u5173\u4e3a\u4e00\u7ec4\u4f5c\u51fa\u6bd4\u8f83\u3002<\/p>\n

\u3000\u3000\u79bb\u89e3\u6bdb\u5229\u7387\u6216\u7eaf\u5229\u7387\u65f6\uff0c\u8981\u989d\u5916\u7559\u795e\u4ee5\u4e0b\u7684\u6570\u683d\u60c5\u51b5\uff1a<\/p>\n

\u3000\u30001.\u4ee5\u4e0a\u6d77\u5b9e\u4e1a\u6d3b\u52a8\u671b\u65e7\u89c4\u5b50\uff0c2004\u5e74\u4e0a\u534a\u5e74\uff0c\u5176\u7eaf\u5229\u5e74\u591c\u52a089%\uff0c\u81f39.3\u4ebf\u6e2f\u5143\uff0c\u5176\u4e2d\u5e74\u591c\u4e2a\u79bb\u6765\u81ea\u4e2d\u82af\u56fd\u9645\u4e0a\u5e02\u65f6\uff0c\u51fa\u5356\u5176\u4e2a\u79bb\u80a1\u4efd\u6240\u5f97\u5230\u7684\u5229\u6da6\u3002\u53cd\u800c\u5f00\u5e38\u6027\u4e1a\u52a1\u6cdb\u59cb\u9000\u6b65\uff0c\u6240\u4ee5\u8981\u5c06\u8fd9\u4e9b\u975e\u5f00\u5e38\u6027\u7684\u9879\u76ee\u5254\u9664\uff0c\u624d\u6c14\u591f\u8ba1\u5212\u7eaf\u5229\u7387\u3002<\/p>\n

\u3000\u30002.\u6c7d\u8f66\u884c\u4e1a\u4e5f\u6709\u4e9b\u989d\u5916\u60c5\u51b5\u3002\u5409\u6bd4\u9a8f\u5a01\u6c7d\u8f66\u5728\u5e74\u62a5\u4e2d\u7684\u4e70\u5356\u989d\u4e0d\u591a\uff0c\u6ca1\u6709\u5305\u7f57\u548c\u65e5\u672c\u672c\u7530\u534f\u4f5c\u5728\u5e7f\u5dde\u751f\u4ea7\u6c7d\u8f66\u7684\u53d1\u5356\u989d\u3002\u9a8f\u5a01\u6301\u6709\u8fd9\u5bb6\u8054\u8425\u516c\u53f8\u7455\u75b550%\u7684\u80a1\u6743\uff0c\u4ee5\u7b54\u5360\u6ee1\u5229\uff08Equity Accounting\uff09\u4f5c\u7eb3\u7eb3\u3002\u662f\u4ee5\u8981\u8ba1\u5212\u7eaf\u5229\u7387\u7684\u8bdd\uff0c\u8981\u82b1\u4e9b\u5e74\u534e\u5728\u5e74\u62a5\u7684\u9644\u6ce8\u4e2d\uff0c\u627e\u51fa\u8054\u8425\u516c\u53f8\u7684\u4e70\u5356\u989d\u3002<\/p>\n

\u3000\u30003.\u5409\u591a\u5546\u4eba\u683c\u4e1a\u6216\u8fd0\u8d25\u884c\u4e1a\uff0c\u50cf\u6d77\u8fd0\u6216\u822a\u7a7a\u4e8b\u4e1a\uff0c\u4ed6\u4eec\u7684\u7eaf\u5229\u7387\u6ce2\u52a8\u6027\u5f88\u5e74\u591c\u3002\u5546\u4eba\u683c\u4e1a\u7684\u7eaf\u5229\u6781\u53d7\u5546\u54c1\u6ce2\u52a8\u6240\u6d78\u67d3\uff0c\u5409\u6bd4\u7164\u6cb9\u4ef7\u503c\u6539\u53d8\u5bf9\u6cb9\u516c\u53f8\u7684\u7eaf\u5229\u6d78\u67d3\u3002\u8fd0\u8d25\u4e1a\u7684\u56fa\u5b9a\u6210\u672c\u5341\u79bb\u9ad8\uff0c\u6240\u4ee5\u5728\u53cd\u5883\u65f6\u5bb9\u6613\u6cdb\u59cb\u8d54\u8680\u3002\u5728\u987a\u5883\u65f6\uff0c\u5176\u7eaf\u5229\u6ca1\u65f1\u7cfb\u4fc4\u7136\u5e74\u591c\u52a0\uff0c\u4ee4\u7eaf\u5229\u7387\u9ad8\u6da8\u3002\u5bf9\u6b20\u6b8b\u5b89\u7965\u7eaf\u5229\u7684\u516c\u53f8\uff0c\u7eaf\u5229\u7387\u8fd9\u4e2a\u6bd4\u4f8b\u5f80\u5f80\u843d\u7a7a\u6307\u6807\u7684\u4f5c\u7528\u3002<\/p>\n

\u3000\u3000\uff08\u4e09\uff09\u62a5\u7b54\u7387<\/p>\n

\u3000\u3000\u671b\u516c\u53f8\u7684\u62a5\u7b54\uff0c\u6700\u7b80\u6613\u7684\u6cd5\u5b50\u662f\u671b\u80a1\u4e1c\u8d44\u91d1\u62a5\u7b54\u7387\uff08Return On Equity\uff09\u6216\u8bb8\u8d22\u4ea7\u62a5\u7b54\u7387\uff08Return On Asset\uff09\u3002\u80a1\u4e1c\u8d44\u91d1\u62a5\u7b54\u7387\uff0c\u662f\u5c06\u516c\u53f8\u7eaf\u5229\u9664\u4ee5\u80a1\u4e1c\u8d44\u91d1\uff0c\u8d22\u4ea7\u62a5\u7b54\u7387\u8ba1\u5212\u6cd5\u5b50\u6709\u4e8c\uff1a\u7b2c\u4e00\u662f\u5c06\u7eaf\u5229\u9664\u4ee5\u516c\u53f8\u7684\u603b\u8d22\u4ea7\uff1b\u7b2c\u4e8c\u662f\u5c06\u7eaf\u5229\u52a0\u4e0a\u5229\u606f\u652f\u51fa\uff0c\u518d\u9664\u4ee5\u603b\u8d22\u4ea7\uff0c\u540e\u8005\u79f0\u4e3a\u5229\u606f\u5148\u8d22\u4ea7\u62a5\u7b54\u7387\uff08Pre-interest Return\uff09\u3002\u5229\u606f\u5148\u62a5\u7b54\uff0c\u662f\u4e3b\u8981\u7528\u4e8e\u67d0\u4e9b\u8d44\u4e2a\u6027\u6295\u8d44\u989d\u5916\u5e74\u591c\u7684\u884c\u4e1a\uff0c\u5409\u6bd4\u53d1\u7535\u4f01\u4e1a\uff0c\u539f\u56e0\u8d37\u6b3e\u989d\u5916\u5e74\u591c\uff0c\u82e5\u5229\u7387\u7684\u6ce2\u52a8\u5bf9\u7eaf\u5229\u6cdb\u59cb\u6d78\u67d3\uff0c\u7528\u5229\u606f\u5148\u62a5\u7b54\u66f4\u80fd\u671b\u5230\u771f\u5b9e\u7684\u8fd0\u8425\u60c5\u51b5\u3002<\/p>\n

\u3000\u3000\uff08\u56db\uff09\u91d1\u878d\u884c\u4e1a\u7684\u62a5\u7b54\u6307\u6807<\/p>\n

\u3000\u3000\u79bb\u89e3\u94f6\u884c\u53ca\u4fdd\u5371\u4e1a\u4f1a\u7528\u8d56\u5f02\u7684\u6bd4\u4f8b\uff0c\u94f6\u884c\u4e1a\u6211\u4eec\u4f1a\u7528\u6076\u5e10\u548c\u603b\u8d37\u6b3e\u76f8\u9664\uff0c\uff08Bad Debt\/Total Advances\uff09\uff1b\u4fdd\u5371\u4e1a\u6709\u540c\u4e00\u7c7b\u7684\u6027\u5b50\uff0c\u4f1a\u7528\u8d54\u507f\u548c\u603b\u4fdd\u91d1\u7eb3\u7eb3\u76f8\u9664\uff08Claims\/Total Premiums\uff09\u3002\u53c8\u6709\u4e00\u4e2a\u6700\u4e25\u91cd\u7684\u6307\u6807\uff0c\u5373\u662f\u6210\u672c\u548c\u7eb3\u7eb3\u6bd4\u4f8b\uff0c\uff08Cost\/Income Ratio\uff09\u3002\u7b14\u8005\u5728\u6b64\u4e0d\u4f5c\u4f8b\u5b50\u4e86\u3002<\/p>\n

\u3000\u3000\uff08\u4e94\uff09\u516c\u53f8\u8d22\u653f\u60c5\u51b5\u7684\u7a33\u5356\u6027\u6307\u6807<\/p>\n

\u3000\u3000\u5305\u7f57\u8d1f\u503a\u548c\u80a1\u4e1c\u8d44\u91d1\u6bd4\u7387\uff08Debt\/ Equity Ratio\uff09\uff0c\u5373\u5c06\u4e00\u5171\u957f\u77ed\u8d1f\u503a\u9664\u4ee5\u80a1\u4e1c\u8d44\u91d1\uff1b\u5176\u5b83\u53c8\u6709\u8fd0\u8425\u73b0\u6b3e\u6d41\uff08Operating Cash Flow\uff09\uff0c\u5373\u5c06\u7eaf\u5229\u52a0\u4e0a\u6298\u65e7\u53ca\u644a\u9500\uff0c\u7136\u540e\u51cf\u5f80\u80a1\u606f\u5f00\u9500\u3002\u73b0\u6b3e\u6d41\u548c\u8d44\u672c\u5f00\u9500\u6bd4\u7387\uff08Cash Flow\/Capex Ratio\uff09\u3002<\/p>\n

\u66f4\u591a\u79bb\u89e3\u6bd4\u4f8b\u77e5\u8bc6\u8bf7\u5173\u6ce8\u77e5\u8bc6\u7f51<\/p>\n

\uff08\u80a1\u7968\u8d44\u6e90\u9986lixiangluntan.com\uff09<\/p>\n

\n

\u3010\u80a1\u7968\u8d44\u6e90\u9986\u3011\u4e1c\u65b9\u8d22\u5bccL2\u51b3\u7b56\u7834\u89e3\u7248,\u4e1c\u65b9\u8d22\u5bcc\u7f51,\u4e1c\u65b9\u8d22\u5bcc\u6295\u8d44\u5927\u5e08\u7834\u89e3\u7248,\u4e1c\u65b9\u8d22\u5bcc\u5148\u950b\u7248\u7834\u89e3,\u4e1c\u65b9\u8d22\u5bcc\u9886\u822a\u7248\u7834\u89e3,\u540c\u82b1\u987a\u8fdc\u822a\u7248\u7834\u89e3,\u540c\u82b1\u987a\u8d22\u5bcc\u5148\u950b\u7834\u89e3,\u540c\u82b1\u987aL2\u7834\u89e3\u3002<\/p>\n<\/blockquote>\n

\n

\u80a1\u7968\u6295\u8d44\u7684\u671f\u9650\u9009\u62d4\u6709\u54ea\u4e9b\uff1f<\/p>\n

\u3000\u3000
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