{"id":45022,"date":"2013-08-24T21:01:27","date_gmt":"2013-08-25T02:01:27","guid":{"rendered":"http:\/\/blog.jackjia.com\/?p=45022"},"modified":"2013-08-25T21:02:34","modified_gmt":"2013-08-26T02:02:34","slug":"20130824%e4%b8%bb%e8%a6%81%e9%93%b6%e8%a1%8c%e5%a2%9e0-2-%e7%9f%ad%e6%9c%9f%e5%bd%b1%e5%93%8d%e4%b8%8d%e5%a4%a7","status":"publish","type":"post","link":"https:\/\/blog.jackjia.com\/?p=45022","title":{"rendered":"20130824\/\u4e3b\u8981\u94f6\u884c\u589e0.2% \u77ed\u671f\u5f71\u54cd\u4e0d\u5927"},"content":{"rendered":"<p><strong>\u4e13\u5bb6\uff1a\u623f\u8d37\u5229\u7387\u5c06\u5411\u4e0a<\/strong><\/p>\n<p>\u661f\u5c9b\u65e5\u62a5\/\u52a0\u56fd\u4e3b\u8981\u5546\u4e1a\u94f6\u884c\u5468\u56db\u8c03\u5347\u591a\u6570\u5b9a\u671f\u623f\u8d37\u5229\u7387\uff0c\u5176\u4e2d\u4e94\u5e74\u671f\u7279\u522b\u4f18\u60e0\u56fa\u5b9a\u5229\u7387\u5e73\u5747\u8c03\u53470.2%\uff0c\u8fbe\u52303.69%\u81f33.89%\u7684\u6c34\u5e73\u3002\u6709\u91d1\u878d\u5206\u6790\u5e08\u6307\u51fa\uff0c\u76ee\u524d\u9996\u6b21\u7f6e\u4e1a\u7684\u52a0\u56fd\u65b0\u4e00\u4ee3\uff0c\u6ca1\u6709\u7ecf\u5386\u8fc7\u9ad8\u623f\u8d37\u5229\u7387\u9020\u6210\u7684\u538b\u529b\uff0c\u4e00\u65e6\u623f\u8d37\u5229\u7387\u589e\u5e45\u8f83\u5927\uff0c\u5e74\u8f7b\u5bb6\u5ead\u5c06\u627f\u53d7\u6c89\u91cd\u8d22\u52a1\u538b\u529b\u3002<\/p>\n<p>\u6709\u623f\u8d37\u4e13\u5bb6\u5468\u4e94\u6307\u51fa\uff0c\u8fd1\u671f\u6570\u6b21\u8c03\u5347\u7684\u662f\u8f83\u957f\u5e74\u671f\u7684\u56fa\u5b9a\u5229\u7387\uff0c\u4f46\u8c03\u6574\u540e\u4ecd\u5904\u4e8e\u5386\u53f2\u8f83\u4f4e\u6c34\u5e73\uff1b\u53e6\u5916\uff0c\u4ee5\u6700\u4f18\u60e0\u5229\u7387\uff08prime rate\uff09\u4e3a\u6307\u6807\u7684\u6d6e\u52a8\u5229\u7387\u5e76\u672a\u53d8\u5316\u3002\u56e0\u6b64\uff0c\u8fd1\u671f\u623f\u8d37\u5229\u7387\u53d8\u5316\u5bf9\u516c\u4f17\u5f71\u54cd\u4e0d\u5927\uff0c\u4f46\u5c31\u547c\u5401\u62e5\u6709\u623f\u8d37\uff0c\u6216\u8ba1\u5212\u8d37\u6b3e\u7f6e\u4e1a\u7684\u516c\u4f17\u672a\u96e8\u7ef8\u7f2a\uff0c\u505a\u597d\u5bb6\u5ead\u8d22\u52a1\u89c4\u5212\u3002<\/p>\n<p>\u8ba1\u5212\u7f6e\u4e1a\u8005\u505a\u597d\u8d22\u52a1\u89c4\u5212<\/p>\n<p>\u672c\u5468\u56db\uff0c\u52a0\u62ff\u5927\u7687\u5bb6\u94f6\u884c\uff08RBC\uff09\u5ba3\u5e03\uff0c\u8c03\u5347\u5927\u90e8\u5206\u56fa\u5b9a\u5c01\u95ed\u5f0f\u623f\u8d37\u5229\u73870.2%\uff0c\u4f7f\u5f97\u5176\u4e2d\u4e94\u5e74\u671f\u7279\u522b\u4f18\u60e0\u5229\u7387\u589e\u81f33.89%\u3002\u53e6\u5916\uff0c\u5c31\u4e94\u5e74\u671f\u7279\u522b\u4f18\u60e0\u5229\u7387\u800c\u8a00\uff0c\u6ee1\u5730\u53ef\u94f6\u884c\uff08BMO\uff09\u3001\u4e30\u4e1a\u94f6\u884c\uff08Scotiabank\uff09\u53ca\u9053\u660e\u94f6\u884c\uff08TD Bank\uff09\u5206\u522b\u5ba3\u5e03\u8c03\u5347\u81f33.79%\uff0c\u52a0\u62ff\u5927\u5e1d\u56fd\u5546\u4e1a\u94f6\u884c\uff08CIBC\uff09\u5219\u8c03\u5347\u81f33.69%\u3002<\/p>\n<p>\u636e\u52a0\u62ff\u5927\u5e7f\u64ad\u516c\u53f8\uff08CBC\uff09\u62a5\u9053\uff0cCIBC\u4e16\u754c\u5e02\u573a\u9ad8\u7ea7\u7ecf\u6d4e\u5206\u6790\u5458\u6cf0\u5965\uff08Benjamin Tal\uff09\u6307\u51fa\uff0c\u672a\u7ecf\u5386\u8fc7\u9ad8\u5229\u606f\u7684\u52a0\u56fd\u65b0\u4e00\u4ee3\uff0c\u5bf9\u53ef\u80fd\u5c06\u9762\u5bf9\u7684\u9ad8\u623f\u8d37\u5f00\u652f\u611f\u5230\u60ca\u8bb6\u3002<\/p>\n<p>\u4ed6\u8bf4\uff0c\u5c31\u76ee\u524d\u60c5\u51b5\u5206\u6790\uff0c\u77ed\u671f\u5229\u7387\u5bf9\u623f\u5e02\u6f5c\u5728\u4e70\u5bb6\u53ef\u80fd\u66f4\u5177\u5438\u5f15\u529b\u3002\u52a0\u56fd\u6700\u4f18\u60e0\u5229\u7387\u8fd1\u671f\u672a\u6709\u8c03\u5347\uff0c\u6cf0\u5965\u66f4\u9884\u4f30\u77ed\u671f\u5229\u7387\u81f3\u5c11\u57282015\u5e74\u521d\u6216\u5e74\u4e2d\u524d\u4e0d\u4f1a\u8c03\u5347\u3002\u4e0d\u8fc7\uff0c\u6cf0\u5965\u8b66\u544a\u9009\u62e9\u77ed\u671f\u6d6e\u52a8\u5229\u606f\u7684\u516c\u4f17\uff0c\u6b64\u7c7b\u5229\u606f\u5982\u679c\u4e00\u65e6\u5f00\u59cb\u4e0a\u6da8\uff0c\u901f\u5ea6\u5c06\u5f88\u5feb\uff0c\u6301\u6b64\u7c7b\u5229\u606f\u623f\u8d37\u7684\u516c\u4f17\u5e94\u7279\u522b\u5c0f\u5fc3\u7559\u610f\u5229\u7387\u53d8\u5316\u3002<\/p>\n<p>\u53e6\u5916\uff0c\u4e00\u5bb6\u540d\u4e3aNorth Cove Advisors\u5e02\u573a\u8c03\u67e5\u516c\u53f8\u5206\u6790\u5e08\u62c9\u6bd4\u675c\u514b\u65af\uff08Ben Rabidoux\uff09\u8ba4\u4e3a\uff0c\u52a0\u56fd\u623f\u8d37\u5229\u7387\u7684\u786e\u5df2\u7ecf\u6b65\u5165\u4e0a\u5347\u8d8b\u52bf\uff0c\u5404\u5927\u94f6\u884c\u4f30\u8ba1\u4f1a\u5728\u672a\u6765\u56db\u81f3\u81f3\u4e2a\u6708\u5185\u518d\u5ea6\u8c03\u5347\u5229\u7387\u3002<\/p>\n<p>\u4ed6\u8fd8\u8ba4\u4e3a\uff0c\u623f\u8d37\u5229\u7387\u7684\u8c03\u5347\u81f3\u5c11\u5728\u4eca\u5e74\u79cb\u5b63\u524d\u4e0d\u4f1a\u5bf9\u52a0\u56fd\u623f\u5e02\u9020\u6210\u5f71\u54cd\uff0c\u56e0\u4e3a\u591a\u6570\u8ba1\u5212\u4e70\u623f\u7684\u516c\u4f17\uff0c\u5df2\u7ecf\u5728\u672c\u8f6e\u5229\u7387\u4e0a\u5347\u524d\u63d0\u524d\u8fdb\u5165\u5e02\u573a\u3002<\/p>\n<p><strong>\u623f\u8d37\u5229\u7387\u4e0e\u6d6e\u606f \u6e10\u56de\u590d\u6b63\u5e38\u5dee\u8ddd<\/strong><\/p>\n<p>\u661f\u5c9b\u65e5\u62a5\u8bb0\u8005\u674e\u7fa4\/\u5927\u6e29\u8d37\u6b3e\u7ecf\u7406\u9ec4\u671d\u671d\u8ba4\u4e3a\uff0c\u8fd1\u671f\u52a0\u56fd\u5404\u5927\u94f6\u884c\u6570\u6b21\u8c03\u5347\u8f83\u957f\u5e74\u671f\u7684\u56fa\u5b9a\u623f\u8d37\u5229\u7387\uff0c\u4f7f\u5f97\u8be5\u7c7b\u5229\u7387\u4e0e\u6d6e\u52a8\u606f\u7387\u5dee\u522b\u52a0\u5927\uff0c\u5176\u5b9e\u662f\u5411\u6b63\u5e38\u606f\u5dee\u7684\u56de\u5f52\u3002<\/p>\n<p>\u534a\u5e74\u524d\u51e0\u4e4e\u76f8\u540c\u6c34\u5e73<\/p>\n<p>\u9ec4\u671d\u671d\u89e3\u91ca\u8bf4\uff0c\u6d6e\u52a8\u623f\u8d37\u5229\u7387\u56e0\u6301\u6709\u8005\u987b\u627f\u62c5\u5229\u7387\u6d6e\u52a8\u98ce\u9669\u7b49\u539f\u56e0\uff0c\u901a\u5e38\u8f83\u56fa\u5b9a\u623f\u8d37\u5229\u7387\u4f4e\u3002\u4f46\u662f\uff0c\u7ea6\u534a\u5e74\u524d\u52a0\u56fd\u4e94\u5e74\u56fa\u5b9a\u5229\u7387\u4e0e\u6d6e\u52a8\u5229\u7387\uff0c\u51e0\u4e4e\u5904\u4e8e\u76f8\u540c\u7684\u6c34\u5e73\uff0c\u5927\u81f4\u57282.8%\u5de6\u53f3\uff0c\u8fd9\u5176\u5b9e\u662f\u4e0d\u6b63\u5e38\u7684\u73b0\u8c61\u3002\u4eca\u5e746\u6708\u4e2d\u65ec\u4ee5\u6765\u623f\u8d37\u56fa\u5b9a\u5229\u7387\u7684\u6570\u6b21\u63d0\u5347\uff0c\u62c9\u5927\u4e86\u4e0e\u6d6e\u52a8\u5229\u7387\u7684\u606f\u5dee\uff0c\u5176\u5b9e\u662f\u5411\u6b63\u5e38\u6c34\u5e73\u7684\u56de\u5f52\u3002\u5979\u8bf4\uff0c\u76ee\u524d\u7684\u6700\u4f18\u60e0\u5229\u7387\u4e3a3%\uff0c\u591a\u6570\u91d1\u878d\u673a\u6784\u7ed9\u4e88\u987e\u5ba2\u8be5\u5229\u7387\u51cf\u53bb0.55%\u7684\u4f18\u60e0\uff0c\u505a\u4e3a\u76ee\u524d\u7684\u6d6e\u52a8\u5229\u7387\uff0c\u5373\u987e\u5ba2\u53ef\u83b7\u5f972.45%\u7684\u6d6e\u52a8\u5229\u7387\u3002\u8be5\u5229\u7387\u4e0e\u73b0\u5728\u94f6\u884c\u63d0\u4f9b\u76845\u5e74\u56fa\u5b9a\u5229\u7387\u76f8\u6bd4\u7ea6\u67091%\u5de6\u53f3\u7684\u606f\u5dee\uff0c\u5bf9\u5f88\u591a\u4e70\u5bb6\u6784\u6210\u5438\u5f15\u529b\u3002<\/p>\n<p>\u53e6\u4e00\u8d37\u6b3e\u7ecf\u7406\u5d14\u82f1\u8868\u793a\uff0c\u5e94\u6839\u636e\u8d37\u6b3e\u8005\u4e0d\u540c\u7684\u60c5\u51b5\uff0c\u6765\u51b3\u5b9a\u9009\u62e9\u56fa\u5b9a\u6216\u6d6e\u52a8\u5229\u7387\u7684\u623f\u8d37\uff0c\u539f\u5219\u4e3a\u6536\u5165\u53ca\u652f\u51fa\u8f83\u56fa\u5b9a\uff0c\u4e14\u8f83\u96be\u627f\u53d7\u77ed\u671f\u5229\u7387\u4e0a\u6da8\u8d1f\u62c5\u538b\u529b\u7684\u4eba\u58eb\uff0c\u6bd4\u8f83\u9002\u5408\u56fa\u5b9a\u5229\u7387\u3002<\/p>\n<p>\u5d14\u82f1\u6307\u51fa\uff0c\u52a0\u56fd\u591a\u6570\u94f6\u884c\u5728\u4eca\u5e746\u6708\u4e2d\u65ec\u4ee5\u540e\u5f00\u59cb\u4e3a\u56fa\u5b9a\u623f\u8d37\u52a0\u606f\uff0c\u8f83\u591a\u987e\u5ba2\u9009\u62e9\u7684\u4e94\u5e74\u671f\u623f\u8d37\u75312.79%\u589e\u52a0\u81f3\u76ee\u524d\u7ea63.59%\u3002\u5979\u63d0\u9192\u623f\u8d37\u6301\u6709\u8005\uff0c\u623f\u8d37\u5230\u671f\u524d\u5e94\u63d0\u65e9\u4e0e\u6309\u63ed\u7ecf\u7406\u5546\u8bae\uff0c\u91cd\u65b0\u8bc4\u4f30\u8d22\u52a1\u72b6\u51b5\uff0c\u9009\u62e9\u6700\u9002\u5408\u7684\u623f\u8d37\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4e13\u5bb6\uff1a\u623f\u8d37\u5229\u7387\u5c06\u5411\u4e0a \u661f\u5c9b\u65e5\u62a5\/\u52a0\u56fd\u4e3b\u8981\u5546\u4e1a\u94f6\u884c\u5468\u56db\u8c03\u5347\u591a\u6570\u5b9a\u671f\u623f\u8d37\u5229\u7387\uff0c\u5176\u4e2d\u4e94\u5e74\u671f\u7279\u522b\u4f18\u60e0\u56fa\u5b9a\u5229\u7387\u5e73\u5747\u8c03\u53470.2%\uff0c\u8fbe\u52303.69%\u81f33.89%\u7684\u6c34\u5e73\u3002\u6709\u91d1\u878d\u5206\u6790\u5e08\u6307\u51fa\uff0c\u76ee\u524d\u9996\u6b21\u7f6e\u4e1a\u7684\u52a0\u56fd\u65b0\u4e00\u4ee3\uff0c\u6ca1\u6709\u7ecf\u5386\u8fc7\u9ad8\u623f\u8d37\u5229\u7387\u9020\u6210\u7684\u538b\u529b\uff0c\u4e00\u65e6\u623f\u8d37\u5229\u7387\u589e\u5e45\u8f83\u5927\uff0c\u5e74\u8f7b\u5bb6\u5ead\u5c06\u627f\u53d7\u6c89\u91cd\u8d22\u52a1\u538b\u529b\u3002 \u6709\u623f\u8d37\u4e13\u5bb6\u5468\u4e94\u6307\u51fa\uff0c&#8230;<br \/><a class=\"read-more-button\" href=\"https:\/\/blog.jackjia.com\/?p=45022\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[10],"tags":[],"_links":{"self":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/45022"}],"collection":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=45022"}],"version-history":[{"count":1,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/45022\/revisions"}],"predecessor-version":[{"id":45023,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/45022\/revisions\/45023"}],"wp:attachment":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=45022"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=45022"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=45022"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}