{"id":2877,"date":"2021-05-20T08:49:51","date_gmt":"2021-05-20T08:49:51","guid":{"rendered":"https:\/\/sky-mba.com\/?p=2877"},"modified":"2022-09-24T15:52:35","modified_gmt":"2022-09-24T07:52:35","slug":"bank-business-model","status":"publish","type":"post","link":"https:\/\/sky-mba.com\/bank-business-model\/","title":{"rendered":"\u9280\u884c\u9760\u4ec0\u9ebc\u4f86\u76c8\u5229\uff1f\u89e3\u6790\u9280\u884c\u7684\u5546\u696d\u6a21\u5f0f"},"content":{"rendered":"<p>\u55e8\u4eca\u5929\u8981\u4f86\u5c0f\u5c0f\u79d1\u666e\uff0c\u9280\u884c\u662f\u4ec0\u9ebc\uff1f\u9280\u884c\u7528\u4ec0\u9ebc\u4f86\u8cfa\u9322\u3002\u7dad\u57fa\u767e\u79d1\u4e0a\uff0c\u300c\u9280\u884c\u662f\u5438\u6536\u516c\u773e\u5b58\u6b3e\u3001\u767c\u653e\u8cb8\u6b3e\u3001\u8fa6\u7406\u7d50\u7b97\u7b49\u696d\u52d9\u7684\u91d1\u878d\u6a5f\u69cb\u3002\u9280\u884c\u5728\u91d1\u878d\u9ad4\u7cfb\u4e2d\u626e\u6f14\u8457\u91cd\u8981\u89d2\u8272\uff0c\u5c0d\u4e00\u570b\u4e43\u81f3\u5168\u7403\u91d1\u878d\u7a69\u5b9a\u7522\u751f\u5de8\u5927\u5f71\u97ff\uff0c\u901a\u5e38\u90fd\u88ab\u7f6e\u65bc\u5404\u570b\u91d1\u878d\u7ba1\u7406\u7576\u5c40\u7684\u56b4\u683c\u76e3\u7ba1\u4e4b\u4e0b\u3002\u300d<\/p>\n<p><img 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[]).push({});\n<\/script><\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li>\u5546\u696d\u9280\u884c\uff1a\u6536\u53d7\u652f\u7968\u5b58\u6b3e\u3001\u6d3b\u671f\u5b58\u6b3e\u3001\u5b9a\u671f\u5b58\u6b3e\uff0c\u4f9b\u7d66\u77ed\u671f\u3001\u4e2d\u671f\u4fe1\u7528\u70ba\u4e3b\u8981\u4efb\u52d9\u4e4b\u9280\u884c\u3002<\/li>\n<li>\u5c08\u696d\u9280\u884c\uff1a\u5305\u62ec\u5de5\u696d\u9280\u884c\u3001\u8fb2\u696d\u9280\u884c\u3001\u8f38\u51fa\u5165\u9280\u884c\u3001\u4e2d\u5c0f\u4f01\u696d\u9280\u884c\u3001\u4e0d\u52d5\u7522\u4fe1\u7528\u9280\u884c\u53ca\u570b\u6c11\u9280\u884c\uff0c\u4f46\u76ee\u524d\u5c1a\u672a\u6709\u7533\u8acb\u8a2d\u7acb\u570b\u6c11\u9280\u884c\u8005\u3002<\/li>\n<li>\u4fe1\u8a17\u6295\u8cc7\u516c\u53f8\uff1a\u4ee5\u53d7\u8a17\u4eba\u4e4b\u5730\u4f4d\uff0c\u6309\u7167\u7279\u5b9a\u76ee\u7684\uff0c\u6536\u53d7\u3001\u7d93\u7406\u53ca\u904b\u7528\u4fe1\u8a17\u8cc7\u91d1\u8207\u7d93\u71df\u4fe1\u8a17\u8ca1\u7522\uff0c\u6216\u4ee5\u6295\u8cc7\u4e2d\u9593\u4eba\u4e4b\u5730\u4f4d\uff0c\u5f9e\u4e8b\u8207\u8cc7\u672c\u5e02\u5834\u6709\u95dc\u7279\u5b9a\u76ee\u7684\u6295\u8cc7\u4e4b\u91d1\u878d\u6a5f\u69cb\u3002<\/li>\n<li>\u5916\u570b\u9280\u884c\uff1a\u4f9d\u7167\u5916\u570b\u6cd5\u5f8b\u7d44\u7e54\u767b\u8a18\u4e4b\u9280\u884c\uff0c\u7d93\u53f0\u7063\u653f\u5e9c\u8a8d\u8a31\u3001\u4f9d\u516c\u53f8\u6cd5\u53ca\u9280\u884c\u6cd5\u767b\u8a18\u71df\u696d\u4e4b\u5206\u884c\u3002<\/li>\n<\/ol>\n<h2><\/h2>\n<h2>\u76c8\u5229<\/h2>\n<p>\u90a3\u9280\u884c\u8981\u5982\u4f55\u8cfa\u9322\u5462\uff1f\u8aaa\u5230\u76c8\u5229\u6a21\u5f0f\uff0c\u6211\u5011\u5c31\u5fc5\u9808\u5148\u4e86\u89e3\u9280\u884c\u5e73\u6642\u5728\u505a\u4ec0\u9ebc\uff0c\u800c\u4eca\u5929\u6703\u4ee5\u5546\u696d\u9280\u884c\u70ba\u4f8b\u4f86\u95e1\u8ff0\u3002\u8a18\u5f97\u5c0f\u7de8\u5728\u7d93\u6fdf\u5b78\u4e0a\u8ab2\u6642\uff0c\u66fe\u7d93\u770b\u5230\u8ab2\u672c\u7684\u5b9a\u7fa9\uff1a<\/p>\n<p><em>\uff02\u5546\u696d\u9280\u884c\u53d6\u5f97\u500b\u4eba\u8207\u516c\u53f8\u7684\u5b58\u6b3e\u8cc7\u91d1\uff0c\u7136\u5f8c\u4fbf\u62ff\u9019\u4e9b\u9322\u9edb\u6b3e\u7d66\u6709\u9700\u8981\u7684\u5bb6\u5ead\u548c\u516c\u53f8\u7b49\u501f\u7528\u4eba\uff0c\u501f\u51fa\u7684\u5229\u7387\u5fc5\u9808\u9ad8\u65bc\u5b58\u6b3e\u5229\u7387\uff0c\u5982\u6b64\u624d\u80fd\u8cfa\u5f97\u5229\u6f64\u3002\uff02<\/em><\/p>\n<p>\u5176\u5be6\u8b1b\u767d\u4e86\uff0c\u5c31\u662f\u9280\u884c\u8b93\u6211\u5011\u9019\u4e9b\u5e73\u6c11XD\u6216\u516c\u53f8\u53bb\u5b58\u9322\uff0c\u7136\u5f8c\u5f9e\u5229\u7528\u9019\u4e9b\u7a69\u5b9a\u5728\u624b\u7684\u73fe\u91d1\uff0c\u62ff\u51fa\u90e8\u4efd\u53bb\u904b\u7528\u70ba\u8cb8\u6b3e\uff0c\u518d\u501f\u51fa\u53bb\u7d66\u5225\u4eba\uff0c\u4e26\u4e14\u4ee5\u512a\u65bc\u5b58\u6b3e\u5229\u7387\u7684\u5229\u7387\u8cfa\u53d6\u5229\u606f\uff0c\u4e00\u4f86\u4e00\u5f80\uff0c\u5c31\u53ef\u4ee5\u8cfa\u53d6\u8cb8\u6b3e\u5229\u7387\u8207\u5b58\u6b3e\u5229\u7387\u9593\u7684\u5229\u5dee\u3002\u9019\u7d93\u7531\u9019\u4e9b\u64cd\u4f5c\u7522\u751f\u7684\u5229\u6f64\uff0c\u5c31\u662f\u9280\u884c\u8cfa\u9322\u7684\u65b9\u5f0f\u3002<\/p>\n<p>\u7c21\u55ae\u4f86\u8aac\u5c31\u662f\u62ff\u6211\u5011\u7684\u5b58\u6b3e\u501f\u7d66\u5225\u4eba\uff0c\u7136\u5f8c\u6536\u53d6\u9ad8\u5229\u606f\u4f86\u6253\u6d88\u8a72\u4ed8\u7d66\u6211\u5011\u7684\u5229\u606f\u4ee5\u53ca\u7372\u5229\uff0c\u9019\u5c31\u662f\u9280\u884c\u8cfa\u9322\u7684\u6a21\u5f0f\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-2878 size-full\" src=\"https:\/\/sky-mba.com\/wp-content\/uploads\/2021\/05\/\u9280\u884c-1.jpeg\" alt=\"\u9280\u884c\u5546\u696d\u6a21\u5f0f\" width=\"1024\" height=\"768\" srcset=\"https:\/\/sky-mba.com\/wp-content\/uploads\/2021\/05\/\u9280\u884c-1.jpeg 1024w, https:\/\/sky-mba.com\/wp-content\/uploads\/2021\/05\/\u9280\u884c-1-300x225.jpeg 300w, https:\/\/sky-mba.com\/wp-content\/uploads\/2021\/05\/\u9280\u884c-1-768x576.jpeg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>\u64e7\u500b\u7c21\u55ae\u7684\u4f8b\u5b50\u4f86\u8aac\u660e\uff1a<\/p>\n<p>\u5c0f\u660e\u4eca\u5929\u53bb\u9280\u884c\u958b\u6236\u4e26\u5b58\u4e86 100 \u842c\u5143\uff0c\u9019\u6a23\u5c0f\u660e\u7684\u8cec\u6236\u9918\u984d\u5c31\u662f 100 \u842c\u5143\uff0c\u800c\u9280\u884c\u5229\u7387\u70ba 1%\uff0c\u4e5f\u5c31\u662f\u660e\u5e74\u9280\u884c\u6703\u7d66\u5c0f\u660e 1 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\/>\n\u9019\u6642\u4ed6\u9078\u64c7\u5230\u9280\u884c\u501f\u8cb8\uff0c\u800c\u9280\u884c\u5c31\u6703\u5148\u628a\u5c0f\u660e\u6240\u64c1\u6709\u7684\u90e8\u5206\u91d1\u984d\u501f\u7d66\u66c9\u9e97\uff0c\u4e26\u8981\u6c42\u6bcf\u5e74\u652f\u4ed8\u7d66\u9280\u884c\u7684\u5229\u606f 5%\uff0c<\/p>\n<p>\u56e0\u6b64\u66c9\u9e97\u6bcf\u5e74\u9664\u4e86\u8981\u9084\u7d66\u9280\u884c\u90e8\u5206\u8cb8\u6b3e\uff0c\u9084\u8981\u652f\u4ed8\u7d66\u9280\u884c\u5229\u606f\u3002<\/p>\n<p>\u5047\u8a2d\u66c9\u9e97\u501f\u4e86 100 \u842c\u5143\uff0c\u5229\u606f 5%\uff0c\u4e5f\u5c31\u662f\u8aac\u66c9\u9e97\u6bcf\u5e74\u8981\u9084\u7d66\u9280\u884c 5 \u842c\u5143\u3002<\/p>\n<p>\u9280\u884c\u5f9e\u66c9\u9e97\u8eab\u4e0a\u5f97\u5230 5 \u842c\u5143\uff0c\u6bcf\u5e74\u652f\u4ed8\u7d66\u5c0f\u660e\u7684\u5229\u73871\u842c\u5143\uff0c\u4e5f\u5c31\u662f\u8aac\u9280\u884c\u901a\u904e\u9019\u6b21\u4ea4\u6613\u7e3d\u5171\u8cfa\u4e86 4 \u842c\u5143\u3002<\/p>\n<p>5 \u842c\u5143-1 \u842c\u5143=4 \u842c\u5143<\/p>\n<p>\u800c\u9019\u6a23\u7684\u64cd\u4f5c\u5c31\u727d\u6d89\u5230\u300c\u57fa\u672c\u5229\u7387\u300d\u4e86\uff0c<br \/>\n\u5728\u4e16\u754c\u5404\u570b\uff0c<br \/>\n\u8cb8\u6b3e\u7684\u5229\u7387\u901a\u5e38\u662f\u7531\u9818\u5c0e\u5546\u9280\u5236\u5b9a\uff0c<br \/>\n\u5176\u4ed6\u5546\u9280\u6703\u518d\u8ddf\u9032\u8abf\u6574\uff0c<br \/>\n\u800c\u9019\u4e9b\u9280\u884c\u7684\u9818\u5c0e\u8005\u6240\u5ba3\u544a\u7684\u8cb8\u6b3e\u5229\u7387\u7a31\u70ba\u300c\u57fa\u672c\u5229\u7387\u300d\u3002<\/p>\n<p>\u9760\u8457\u8cb8\u6b3e\u7684\uff02<strong>\u57fa\u672c\u5229\u7387(Prime Rate)<\/strong>\uff02\u7684\u6536\u5165\uff0c\u9280\u884c\u5c31\u53ef\u4ee5\u5f9e\u4e2d\u7372\u5229\uff0c<br \/>\n\u6709\u8208\u8da3\u7684\u540c\u5b78\u53ef\u4ee5\u518d\u8cb7\u4e00\u4e9b\u8ca8\u5e63\u9280\u884c\u5b78\u6216\u7d93\u6fdf\u5b78\u7684\u66f8\u4f86 K \u5594\uff01<\/p>\n<p><script async 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\/>\n\u4ee5\u4e0a\u5c31\u662f\u9280\u884c\u7684\u5546\u696d\u6a21\u5f0f\uff0c\u4e86\u89e3\u9280\u884c\u7684\u5546\u696d\u6a21\u5f0f\u53ef\u4ee5\u4e86\u89e3\u6574\u500b\u793e\u6703\u91d1\u9322\u7684\u6d41\u52d5\u89c0\u5ff5\uff0c\u63a8\u52d5\u793e\u6703\u7d93\u6fdf\u8b8a\u5316\uff0c\u66f4\u751a\u8005\u9084\u53ef\u4ee5\u8b93\u6295\u8cc7\u8005\u4e86\u89e3\u4e00\u9593\u9280\u884c\u7684\u57fa\u672c\u9762\uff0c\u800c\u5982\u679c\u6709\u60f3\u8981\u4e86\u89e3\u9280\u884c\u4ee5\u5916\u7684\u516c\u53f8\u7684\u57fa\u672c\u9762\u7684\u8a71\uff0c\u53ef\u4ee5\u53c3\u8003\uff1a<span style=\"text-decoration: underline;\"><a href=\"https:\/\/sky-mba.com\/four-major-financial-indicators\/\">\u65b0\u624b\u5fc5\u9808\u770b\u61c2\u7684\u8ca1\u5831 4 \u5927\u6307\u6a19\uff5c\u6aa2\u8996\u4f01\u696d\u6295\u8cc7\u7684\u6a19\u6e96<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u55e8\u4eca\u5929\u8981\u4f86\u5c0f\u5c0f\u79d1\u666e\uff0c\u9280\u884c\u662f\u4ec0\u9ebc\uff1f\u9280\u884c\u7528\u4ec0\u9ebc\u4f86\u8cfa\u9322\u3002\u7dad\u57fa\u767e\u79d1\u4e0a\uff0c\u300c\u9280\u884c\u662f\u5438\u6536\u516c\u773e\u5b58\u6b3e\u3001\u767c\u653e\u8cb8\u6b3e\u3001\u8fa6\u7406\u7d50\u7b97\u7b49\u696d\u52d9\u7684 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":3773,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,11],"tags":[],"_links":{"self":[{"href":"https:\/\/sky-mba.com\/wp-json\/wp\/v2\/posts\/2877"}],"collection":[{"href":"https:\/\/sky-mba.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sky-mba.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sky-mba.com\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/sky-mba.com\/wp-json\/wp\/v2\/comments?post=2877"}],"version-history":[{"count":2,"href":"https:\/\/sky-mba.com\/wp-json\/wp\/v2\/posts\/2877\/revisions"}],"predecessor-version":[{"id":6011,"href":"https:\/\/sky-mba.com\/wp-json\/wp\/v2\/posts\/2877\/revisions\/6011"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sky-mba.com\/wp-json\/wp\/v2\/media\/3773"}],"wp:attachment":[{"href":"https:\/\/sky-mba.com\/wp-json\/wp\/v2\/media?parent=2877"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sky-mba.com\/wp-json\/wp\/v2\/categories?post=2877"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sky-mba.com\/wp-json\/wp\/v2\/tags?post=2877"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}