Page 10 - 銀行家雜誌第87期

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Τ࢕ᝈᓃ

ண֛ɨʘ˂ڀؐږᕘd͵ ږᕘ௰ЭʔᏐЭ׵ਿ͉͛ݺ˥ ϋږᐼږᕘd˸ܖ̻אᐵʃତ
уʔሞତίჯεˇdሜ዆ܝ௰ ๟הც˕̈dщۆਗ਼̙ঐԴࡡ ʦٙϋږॹɹdᒒеϋږԐΣ
ε̥ঐჯ՟Ϥɓږᕘf ͉ϗ˕̻ፅٙϋږჯ՟٫ɝʔ ॎପfءจՑϋږ௰৷еಯږ
ϋږ௰৷еಯږᕘٙண֛d ᅯ̈fՉϣdᔟ͟ሜ዆ϋږ௰ ᕘ൳৷dࡈɛ˜ჯږᕘ൳εd

՟Ӕ׵ՇɽΪ९f࠯΋dϤɓ ৷еಯږᕘ̙ಯˇהც˕̈ٙ הც˕̈ʘϋږᐼږᕘɰ൳
εiˀʘdϋږ௰৷еಯږᕘ
ڌ3ࡡ˜ჯᐼᕘ16ຬdϋږ௰৷еಯږᕘ6ຬd ൳Эdࡈɛ˜ჯږᕘ൳ˇdה
჈ಯሜ዆ϓᅰ5% ც˕̈ʘϋږᐼږᕘɰ൳ˇf

ࡡჯږᕘ ሜ዆ϓᅰ ሜ዆ܝྼჯږᕘ
ږᕘਜග ༊ˢ༰ۃԷdତ৿ணϋږ௰৷
A B AXB/10
6ຬ˸ɨ 60,000 10 60,000 еಯږᕘண֛މ4ຬdږᕘሜ
6ຬ~7ຬ 10,000 9.5 9,500
7ຬ~8ຬ 10,000 9 9,000 ዆ॴ൷ʿሜ዆ϓᅰၪܵʔᜊd
8ຬ~9ຬ 10,000 8.5 8,500 ۆ࣬ኽڌ2dࡡ͉ϋږӊ˜ჯ
9ຬ~10ຬ 10,000 8 8,000
10ຬ~11ຬ 10,000 7.5 7,500 ՟16ຬʩٙږᕘdɨሜމ8ຬ
11ຬ~12ຬ 10,000 7 7,000 5,000ʩdЭ׵ϋږ௰৷еಯ
12ຬ~13ຬ 10,000 6.5 6,500
13ຬ~14ຬ 10,000 6 6,000 ږᕘண֛މ6ຬࣛٙ˜ჯږᕘ
14ຬ~15ຬ 10,000 5.5 5,500
15ຬ~16ຬ 10,000 5 5,000 10ຬ5,000ʩf
Υࠇ 160,000 - 132,500
˸ࡡ˜ჯᐼᕘ16ຬ٫dϋ
ڌ4ࡡ˜ჯᐼᕘ16ຬdϋږ௰৷еಯږᕘ6ຬd ږ௰৷еಯږᕘ4 ຬމԷd
჈ಯሜ዆ϓᅰ20% ሜ዆ܝྼჯږᕘਗ਼ಯމ8 ຬ
ࡡჯږᕘ ሜ዆ϓᅰ ሜ዆ܝྼჯږᕘ
ږᕘਜග 5,000ʩdˇჯ7ຬ500ʩd
A B AXB/10
6ຬ˸ɨ 60,000 10 60,000 ࠥష༺46.875%f8ຬ5,000
6ຬ~7ຬ 10,000 8 8,000
7ຬ~8ຬ 10,000 6 6,000 ʩуމϤɓண֛ɨʘ˂ڀ
8ຬ~9ຬ 10,000 4 4,000 ؐږᕘd͵уʔሞତίჯε
9ຬ~10ຬ 10,000 2 2,000
൴ཀ10ຬ 60,000 0 0 ˇdሜ዆ܝ௰ε̥ঐჯ՟Ϥɓ
Υࠇ 160,000 - 80,000
ږᕘf
ڌ5ࡡ˜ჯᐼᕘ16ຬdሜ዆ܝӊ˜ഗ˹ږᕘ ͟Ϥ̙ٝdϋږ௰৷еಯږ
჈ಯሜ዆ϓᅰ ᕘၾ૧ۂಯʘϋږ৕ࢨᕘܓϞ
௰৷еಯږᕘ 20% 10% 5%
30,000 50,000 75,000 114,500 ᗫd͵ၾ਷͏ਿ͉͛ݺ˥๟
40,000 60,000 85,000 121,000
60,000 80,000 105,000 132,500 ϞᗫdϤɚ٫ɦ̙͟ϋږϗ˕
ًرeϋږ༶ࣖ͜ଟe͛ݺܸ
ڌ6ࡡ˜ჯᐼᕘ30ຬdሜ዆ܝӊ˜ഗ˹ږᕘ
ᅰeஷ஬ጱദଟഃᎇࣛගҷᜊ
჈ಯሜ዆ϓᅰ 20% 10% 5%
௰৷еಯږᕘ ٙᜊᅰˀ݈dΪϤϋږ௰৷е
30,000 50,000 75,000 125,000 ಯږᕘ̙֛ಂ（例如每年）Ꮸ
40,000 60,000 85,000 135,000
60,000 80,000 105,000 155,000 ীd̀ࠅࣛʚ˸ሜ዆f

10 ̨ᝄვБ࢕2017.3˜໮

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