{"id":292,"date":"2022-02-23T13:10:29","date_gmt":"2022-02-23T05:10:29","guid":{"rendered":"https:\/\/hu662.shop\/blog\/?p=292"},"modified":"2022-04-27T15:09:18","modified_gmt":"2022-04-27T07:09:18","slug":"dbr","status":"publish","type":"post","link":"https:\/\/hu662.shop\/blog\/292\/dbr\/","title":{"rendered":"\u8ca0\u50b5\u6bd4\u7387\u662f\u4ec0\u9ebc\uff1f\u8ca0\u50b5\u6bd4\u5982\u4f55\u8a08\u7b97\uff1f3\u5927\u516c\u5f0f\u5feb\u901f\u6838\u8cb8"},"content":{"rendered":"\n

\u8ca0\u50b5\u6bd4(Debt Burden Ratio, DBR)\uff0c\u4e5f\u7a31\u70ba\u8ca0\u50b5\u6bd4\u7387\uff0c\u662f\u9280\u884c\u8cb8\u6b3e\u662f\u5426\u6838\u8cb8\u7684\u4f9d\u64da\u4e4b\u4e00\uff0c\u4e5f\u8ddf\u8cb8\u6b3e\u6838\u8cb8\u7684\u984d\u5ea6\u606f\u606f\u76f8\u95dc\uff0c\u672c\u7bc7\u6703\u8aaa\u660e\u8ca0\u50b5\u6bd4\u7387\u7684\u5b9a\u7fa9\u662f\u4ec0\u9ebc\uff1f\u4e26\u4e14\u8aaa\u660e\u8a08\u7b97\u8ca0\u50b5\u6bd4\u7387\u76843\u5927\u516c\u5f0f\uff0c\u9084\u6703\u5be6\u969b\u8209\u4f8b\u8ca0\u50b5\u6bd4\u7387\u516c\u5f0f\u5982\u4f55\u61c9\u7528\u5728\u8cb8\u6b3e\u7533\u8acb\u4e2d\uff0c\u6700\u5f8c\u6703\u63a8\u85a6\u8ca0\u50b5\u6bd4\u7684\u5b89\u5168\u7bc4\u570d\uff0c\u5982\u679c\u9084\u662f\u89ba\u5f97\u597d\u96e3\u61c2\u600e\u9ebc\u8fa6\uff1f\u6559\u4f60\u7528\u6700\u7c21\u55ae\u7684\u65b9\u5f0f\uff0c\u76f4\u63a5\u53d6\u5f97\u6700\u7d42\u8cb8\u6b3e\u8a55\u4f30\u9810\u6e2c\u7684\u7d50\u679c\uff01<\/p>\n\n\n\n

\u7533\u8acb\u4fe1\u7528\u8cb8\u6b3e\uff0c\u9664\u4e86\u8981\u77e5\u9053\u8ca0\u50b5\u6bd4\u4ee5\u5916\uff0c\u9084\u8981\u4e86\u89e3\u7533\u8acb\u4fe1\u8cb8\u7684\u689d\u4ef6\uff0c\u9019\u7bc7\u3010\u7533\u8acb\u9280\u884c\u4fe1\u8cb8\u689d\u4ef6\u6709\u54ea\u4e9b\uff1f7\u5927\u4fe1\u8cb8\u689d\u4ef6\u4f60\u4e00\u5b9a\u8981\u77e5\u9053\uff01<\/a>\u3011\u8a73\u7d30\u8aaa\u660e\u4e86\u5fc5\u9808\u8981\u6709\u76843\u5927\u689d\u4ef6\uff0c\u548c\u7d55\u5c0d\u4e0d\u80fd\u6709\u76844\u5927\u689d\u4ef6\u5594\uff01<\/p>\n\n\n\n

\u8ca0\u50b5\u6bd4\u7387\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n\n\n

\u8ca0\u50b5\u6bd4\u662f\u8868\u793a\u50b5\u52d9\u6709\u591a\u5c11\u7684\u6bd4\u7387\uff0c\u986f\u793a\u8cc7\u7522\u548c\u8ca0\u50b5\u7684\u95dc\u4fc2\uff0c\u8ca0\u50b5\u6bd4\u662f\u9280\u884c\u6c7a\u5b9a\u8981\u4e0d\u8981\u6838\u51c6\u4fe1\u7528\u8cb8\u6b3e\u7684\u6307\u6a19\u4e4b\u4e00\uff0c\u900f\u904e\u8ca0\u50b5\u6bd43\u5927\u516c\u5f0f\uff0c\u8a08\u7b97\u51fa\u4f60\u7684\u8ca0\u50b5\u72c0\u6cc1\u662f\u4e0d\u662f\u5f88\u56b4\u91cd\uff0c\u6bcf\u6708\u6536\u5165\u662f\u5426\u8db3\u4ee5\u8ca0\u64d4\u8cb8\u6b3e\u7684\u6708\u4ed8\u91d1\uff0c\u5982\u679c\u8ca0\u50b5\u6bd4\u7684\u8a08\u7b97\u7d50\u679c\u8d85\u51fa\u9280\u884c\u9810\u671f\u7bc4\u570d\uff0c\u9280\u884c\u5c31\u6703\u5224\u65b7\u662f\u9ad8\u98a8\u96aa\u65cf\u7fa4\uff0c\u60f3\u8981\u901a\u904e\u4fe1\u7528\u8cb8\u6b3e\u5be9\u6838\u5c31\u6703\u8f03\u70ba\u56f0\u96e3\uff0c\u4ee5\u4e0b\u8aaa\u660e3\u5927\u516c\u5f0f\u8a08\u7b97\u8ca0\u50b5\u6bd4\u7387\uff0c\u5e6b\u52a9\u4f60\u521d\u6b65\u5224\u65b7\u662f\u5426\u53ef\u4ee5\u6210\u529f\u6838\u8cb8\uff0c\u4ee5\u53ca\u6700\u9ad8\u53ef\u4ee5\u7533\u8acb\u591a\u5c11\u4fe1\u7528\u8cb8\u6b3e\u3002<\/p>\n\n\n\n

\u8ca0\u50b5\u6bd4 3 \u5927\u516c\u5f0f<\/h2>\n\n\n\n

DBR<22\u500d<\/h3>\n\n\n\n

DBR\u5c31\u662f\u8ca0\u50b5\u6bd4\uff0c\u6839\u64da\u91d1\u878d\u76e3\u7763\u7ba1\u7406\u59d4\u54e1\u6703(\u7c21\u7a31\u91d1\u7ba1\u6703)\u7684\u898f\u5b9a\uff0c\u91d1\u878d\u6a5f\u69cb\u5728\u627f\u4f5c\u7121\u64d4\u4fdd\u8cb8\u6b3e\u6642\uff0c\u4e00\u5b9a\u8981\u9075\u5b88\u300c\u8ca0\u50b5\u984d\u5ea6\u70ba\u5e73\u5747\u6708\u6536\u516522\u500d\u300d\u7684\u4e0a\u9650\u503c(\u91d1\u7ba1\u6703\u539f\u6587\u6cd5\u898f<\/a>)\uff0c\u8ca0\u50b5\u984d\u5ea6\u5305\u542b\uff1a\u4fe1\u7528\u5361\u672a\u7e73\u6e05\u91d1\u984d\u3001\u73fe\u91d1\u5361\u91d1\u984d\u3001\u4fe1\u8cb8\u91d1\u984d<\/strong>\u7b49\u7b49\u3002<\/p>\n\n\n\n

\u767d\u8a71\u6587\u7ffb\u8b6f\u5c31\u662f\uff0c\u9280\u884c\u4e0d\u7528\u64d4\u4fdd\u54c1\u5c31\u501f\u7d66\u4f60\u7684\u9322\uff0c\u6700\u591a\u4e0d\u80fd\u8d85\u904e\u4f60\u6708\u85aa\u768422\u500d\uff0c\u9280\u884c\u501f\u7d66\u4f60\u7684\u9322\u5305\u542b\u4fe1\u7528\u5361\u8cbb\u3001\u4fe1\u7528\u5361\u5206\u671f\u672a\u4ed8\u6b3e\u91d1\u984d\u3001\u4fe1\u7528\u5361\u5faa\u74b0\u9918\u984d\u548c\u4fe1\u7528\u8cb8\u6b3e\u9918\u984d\u7b49\u7b49\u3002<\/p>\n\n\n\n

\u4ee5\u5927\u5bb6\u7684\u597d\u670b\u53cb\u5c0f\u660e\u4f86\u8209\u4f8b\u8aaa\u660e\uff0c\u5c0f\u660e\u7684\u5e73\u5747\u6708\u6536\u5165\u662f4\u842c\uff0cDBR22\u500d = 4\u842c x 22 = 88\u842c\u3002\u4ee3\u8868\u5c0f\u660e\u6700\u591a\u53ef\u4ee5\u5f9e\u9280\u884c\u501f\u523088\u842c\u7684\u4fe1\u7528\u8cb8\u6b3e\u3002<\/p>\n\n\n\n

\u6708\u8ca0\u50b5\u6536\u652f\u6bd4\uff1c70%<\/h3>\n\n\n\n

\u6708\u8ca0\u50b5\u6536\u652f\u6bd4\uff1d\u6bcf\u500b\u6708\u9700\u8981\u511f\u9084\u7684\u8ca0\u50b5 \u00f7 \u5e73\u5747\u6708\u6536\u5165\uff58100%<\/p>\n\n\n\n

\u901a\u5e38\u9280\u884c\u5be9\u6838\u901a\u904e\u7684\u4fe1\u8cb8\u984d\u5ea6\uff0c\u6703\u662f\u4f7f\u7528\u8005\u7684\u6708\u8ca0\u50b5\u6536\u652f\u6bd4\u7d0440~45%\uff0c\u5982\u679c\u52a0\u4e0a\u623f\u8cb8\u7684\u8a71\uff0c\u6700\u591a\u53ef\u80fd\u6703\u9054\u523070%\u3002\u7562\u7adf\u4ee5\u9280\u884c\u7684\u89d2\u5ea6\u4f86\u8aaa\uff0c\u82e5\u662f\u4f60\u7684\u6708\u8ca0\u50b5\u6536\u652f\u6bd4\u592a\u9ad8\uff0c\u6bcf\u500b\u6708\u85aa\u6c34\u6263\u6389\u57fa\u672c\u751f\u6d3b\u8cbb\u5f8c\uff0c\u5269\u4e0b\u7684\u9322\u6839\u672c\u4e0d\u5920\u7e73\u8cb8\u6b3e\uff0c\u7121\u6cd5\u6bcf\u6708\u6e96\u6642\u9084\u6b3e\u7d66\u9280\u884c\uff0c\u9280\u884c\u5c31\u4e0d\u6703\u501f\u9322\u7d66\u4f60\u7684\u3002<\/p>\n\n\n\n

\u4ee5\u5c0f\u660e\u4f86\u8aaa\uff0c\u5e73\u5747\u6708\u6536\u5165\u662f4\u842c\u5143\uff0c\u5047\u8a2d\u6bcf\u6708\u9700\u8981\u9084\u6b3e\u7684\u8ca0\u50b5\u91d1\u984d\u70ba1\u842c6\u5343\u5143\uff0c\u90a3\u9ebc\u5c0f\u660e\u7684\u6708\u8ca0\u50b5\u6536\u652f\u6bd4 = 1.6\u842c \u00f7 4\u842c\uff58100% = 40%\u3002\u5c0d\u9280\u884c\u4f86\u8aaa\u5c31\u662f\u53ef\u627f\u64d4\u7684\u7bc4\u570d\uff0c\u6838\u8cb8\u7684\u6a5f\u7387\u5c31\u6703\u6bd4\u8f03\u9ad8\u3002<\/p>\n\n\n\n

\u7e3d\u8cc7\u7522\u8ca0\u50b5\u6bd4\uff1c60%<\/h3>\n\n\n\n

\u7e3d\u8cc7\u7522\u8ca0\u50b5\u6bd4 = \u7e3d\u8ca0\u50b5\u91d1\u984d \u00f7 \u7e3d\u8cc7\u7522\uff58100%<\/p>\n\n\n\n

\u7e3d\u8cc7\u7522\u5305\u542b\u623f\u5730\u7522\u3001\u80a1\u7968\u3001\u57fa\u91d1\u3001\u9280\u884c\u5b58\u6b3e\u7b49\u3002\u9280\u884c\u6703\u5e0c\u671b\u4fe1\u8cb8\u7533\u8fa6\u8005\u7684\u7e3d\u8cc7\u7522\u8ca0\u50b5\u6bd4\u843d\u5728 40%~60% \u5167\uff0c <\/strong>\u8ca0\u50b5\u6bd4\u904e\u9ad8\uff0c\u9280\u884c\u6703\u64d4\u5fc3\u4f60\u7e73\u4e0d\u51fa\u8cb8\u6b3e\uff0c\u53c8\u6c92\u6709\u76f8\u61c9\u7684\u8cc7\u7522\u53ef\u4ee5\u511f\u9084\uff0c\u5c31\u6703\u8a8d\u5b9a\u662f\u9ad8\u98a8\u96aa\u4eba\u800c\u62d2\u7d55\u7533\u8cb8\u3002<\/p>\n\n\n\n

\u4eca\u5929\u5c0f\u660e\u7684\u9280\u884c\u5b58\u6b3e\u67093\u842c\uff0c\u57fa\u91d1\u3001\u80a1\u7968\u7b49\u8b49\u5238\u7684\u7e3d\u50f9\u503c\u7d0450\u842c\uff0c\u4fe1\u7528\u5361\u8cbb\u7d042\u842c\uff0c\u82e5\u5c0f\u660e\u60f3\u8981\u7533\u8acb\u4fe1\u7528\u8cb8\u6b3e40\u842c\u5143\uff0c\u7e3d\u8cc7\u7522\u8ca0\u50b5\u6bd4\u5c31\u6703\uff1d(40+2) \u00f7 (50+3)\uff58100%\uff1d80%\uff0c\u7e3d\u8cc7\u7522\u8ca0\u50b5\u6bd4\u592a\u9ad8\uff0c\u90a3\u9ebc\u9280\u884c\u5c31\u5f88\u6709\u53ef\u80fd\u6703\u62d2\u7d55\u5c0f\u660e\u7684\u8cb8\u6b3e\u7533\u8acb\u3002<\/p>\n\n\n\n

\u8ca0\u50b5\u6bd4\u7387\u7b97\u6cd5\u597d\u8907\u96dc\u600e\u9ebc\u8fa6\uff1f<\/h2>\n\n\n\n

\u8ca0\u50b5\u6bd43\u5927\u516c\u5f0f\u63a8\u85a6\u6700\u4f73\u5b89\u5168\u7bc4\u570d\uff1a<\/p>\n\n\n\n

  1. \u6700\u9ad8\u8cb8\u6b3e\u7533\u8acb\u984d\u5ea6=\u5e73\u5747\u6708\u6536\u5165(\u842c)\u00d718<\/li>
  2. \u6bcf\u500b\u6708\u9700\u8981\u511f\u9084\u7684\u6708\u4ed8\u91d1 \u00f7 \u5e73\u5747\u6708\u6536\u5165\uff58100% < 40%<\/li>
  3. \u6700\u9ad8\u8cb8\u6b3e\u7533\u8acb\u984d\u5ea6 \u00f7 \u7e3d\u8cc7\u7522\uff58100% < 60%<\/li><\/ol>\n\n\n\n

    \u4ee5\u4e0a3\u7a2e\u8a08\u7b97\u8ca0\u50b5\u6bd4\u7684\u516c\u5f0f\uff0c\u53ef\u4ee5\u5e6b\u4f60\u521d\u6b65\u5224\u65b7\u53ef\u4ee5\u7533\u8acb\u591a\u5c11\u4fe1\u7528\u8cb8\u6b3e\uff0c\u4ee5\u53ca\u6838\u8cb8\u7684\u6a5f\u7387\uff0c\u4f46\u8ca0\u50b5\u6bd4\u8a08\u7b97\u597d\u56f0\u96e3\uff0c\u800c\u4e14\u6211\u5011\u8a8d\u5b9a\u7684\u8cc7\u7522\u50f9\u503c\u8ddf\u9280\u884c\u8a8d\u5b9a\u7684\u8cc7\u7522\u50f9\u503c\u4e5f\u4e0d\u5b8c\u5168\u4e00\u6a23\uff0c\u9019\u6a23\u7b97\u8d77\u4f86\u4e5f\u4e0d\u662f\u5f88\u7cbe\u6e96\uff0c\u518d\u8aaa\u4fe1\u7528\u8cb8\u6b3e\u662f\u5426\u6838\u8cb8\u4e5f\u4e0d\u662f\u53ea\u770b\u8ca0\u50b5\u6bd4\uff0c\u9084\u6709\u5176\u4ed6\u8a55\u4f30\u4f9d\u64da\uff0c\u56e0\u6b64\u63a8\u85a6\u4f7f\u7528\u4fe1\u8cb8\u8a55\u4f30\u5de5\u5177\uff0c\u76f4\u63a5\u9810\u6e2c\u5404\u5bb6\u9280\u884c\u7684\u904e\u4ef6\u7387\u3001\u5229\u7387\u3001\u984d\u5ea6\u7b49\uff0c\u4e0d\u7528\u806f\u5fb5\u5c31\u80fd\u77e5\u9053\u7533\u8acb\u4fe1\u8cb8\u6700\u91cd\u8981\u7684\u689d\u4ef6\u3002<\/p>\n\n\n

    \n
    \"\"<\/a><\/figure><\/div>","protected":false},"excerpt":{"rendered":"

    \u8ca0\u50b5\u6bd4(Debt Burden Ratio, DBR)\uff0c\u4e5f\u7a31\u70ba\u8ca0\u50b5\u6bd4\u7387\uff0c\u662f\u9280\u884c\u8cb8\u6b3e\u662f\u5426\u6838\u8cb8\u7684\u4f9d\u64da\u4e4b\u4e00\uff0c\u4e5f\u8ddf\u8cb8\u6b3e\u6838\u8cb8\u7684\u984d\u5ea6\u606f\u606f\u76f8\u95dc\uff0c\u672c\u7bc7\u6703\u8aaa\u660e\u8ca0\u50b5\u6bd4\u7387\u7684\u5b9a\u7fa9\u662f\u4ec0\u9ebc\uff1f\u4e26\u4e14\u8aaa\u660e\u8a08\u7b97\u8ca0\u50b5\u6bd4\u7387\u76843\u5927\u516c\u5f0f\uff0c\u9084\u6703\u5be6\u969b\u8209\u4f8b\u8ca0\u50b5\u6bd4\u7387\u516c\u5f0f\u5982\u4f55\u61c9\u7528\u5728\u8cb8\u6b3e\u7533\u8acb\u4e2d\uff0c\u6700\u5f8c\u6703\u63a8\u85a6\u8ca0\u50b5\u6bd4\u597d\u96e3\u61c2\u600e\u9ebc\u8fa6\uff1f\u6559\u4f60\u7528\u6700\u7c21\u55ae\u7684\u65b9\u5f0f\uff0c\u76f4\u63a5\u53d6\u5f97\u6700\u7d42\u8cb8\u6b3e\u8a55\u4f30\u9810\u6e2c\u7684\u7d50\u679c\uff01<\/p>\n","protected":false},"author":2,"featured_media":296,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[1],"tags":[5,20,7],"class_list":["post-292","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loan","tag-5","tag-20","tag-7"],"fimg_url":"https:\/\/hu662.shop\/blog\/wp-content\/uploads\/2022\/02\/\u8ca0\u50b5\u6bd4\u7387\u662f\u4ec0\u9ebc\uff1f3\u5927\u516c\u5f0f\u6559\u4f60\u9810\u6e2c\u8cb8\u6b3e\u984d\u5ea6.jpg","_links":{"self":[{"href":"https:\/\/hu662.shop\/blog\/wp-json\/wp\/v2\/posts\/292","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hu662.shop\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hu662.shop\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hu662.shop\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/hu662.shop\/blog\/wp-json\/wp\/v2\/comments?post=292"}],"version-history":[{"count":7,"href":"https:\/\/hu662.shop\/blog\/wp-json\/wp\/v2\/posts\/292\/revisions"}],"predecessor-version":[{"id":549,"href":"https:\/\/hu662.shop\/blog\/wp-json\/wp\/v2\/posts\/292\/revisions\/549"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hu662.shop\/blog\/wp-json\/wp\/v2\/media\/296"}],"wp:attachment":[{"href":"https:\/\/hu662.shop\/blog\/wp-json\/wp\/v2\/media?parent=292"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hu662.shop\/blog\/wp-json\/wp\/v2\/categories?post=292"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hu662.shop\/blog\/wp-json\/wp\/v2\/tags?post=292"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}