╨С╨░╨╖╨╕╤Б╨╜╤Л╨╡ ╨▒╨░╨╗╨╗╤Л (BPS)
╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨▒╨░╨╖╨╕╤Б╨╜╨░╤П ╤В╨╛╤З╨║╨░?
╨С╨░╨╖╨╕╤Б╨╜╤Л╨╣ ╨┐╤Г╨╜╨║╤В (╨▒/╤Б) тАФ ╤Н╤В╨╛ ╨╡╨┤╨╕╨╜╨╕╤Ж╨░ ╨╕╨╖╨╝╨╡╤А╨╡╨╜╨╕╤П, ╨╛╤В╤А╨░╨╢╨░╤О╤Й╨░╤П ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨╛╨╡ ╨╕╨╖╨╝╨╡╨╜╨╡╨╜╨╕╨╡ ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╨╕╨╜╤Б╤В╤А╤Г╨╝╨╡╨╜╤В╨╛╨▓. ╨Ю╨▒╤Л╤З╨╜╨╛ ╨╛╨╜ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╨╡╤В╤Б╤П ╨┤╨╗╤П ╤А╨░╤Б╤З╨╡╤В╨░ ╨╕╨╖╨╝╨╡╨╜╨╡╨╜╨╕╨╣ ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╨╕ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣, ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Л╤Е ╤Б╤В╨░╨▓╨╛╨║ ╨╕ ╤А╨░╨╖╨╗╨╕╤З╨╜╤Л╤Е ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╛╨▓ ╨▓ ╤Д╨╕╨╜╨░╨╜╤Б╨░╤Е. ╨Ъ╨░╤Б╨░╤В╨╡╨╗╤М╨╜╨╛ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Л╨╣ ╨┐╤Г╨╜╨║╤В ╨┐╤А╨╛╤В╨╕╨▓ ╨▒╨░╨╖╨╕╤Б╨╜╨╛╨│╨╛ ╨┐╤Г╨╜╨║╤В╨░╨╛╨▒╨░ ╤В╨╡╤А╨╝╨╕╨╜╨░ ╤А╨░╨╖╨╗╨╕╤З╨░╤О╤В╤Б╤П ╨┐╨╛ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╕╤О ╨╕ ╤А╨░╤Б╤З╨╡╤В╤Г.
╨Ю╨│╨╗╨░╨▓╨╗╨╡╨╜╨╕╨╡
- ╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨▒╨░╨╖╨╕╤Б╨╜╨░╤П ╤В╨╛╤З╨║╨░?
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╨Ю╨┤╨╕╨╜ ╨▒╨╕╤В/╤Б (╨▒╨╕╨┐╤Б) ╤Н╨║╨▓╨╕╨▓╨░╨╗╨╡╨╜╤В╨╡╨╜ 0,0001 (1/100 ╤З╨░╤Б╤В╤М ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨░) ╨╕╨╗╨╕ 0,01%, ╨╕, ╤Б╨╗╨╡╨┤╨╛╨▓╨░╤В╨╡╨╗╤М╨╜╨╛, 100 ╨▒╨╕╤В/╤Б ╤А╨░╨▓╨╜╤Л 0,01 ╨╕╨╗╨╕ 1%. ╨Я╨╛╤Б╨╗╨╡╨┤╨╛╨▓╨░╤В╨╡╨╗╤М╨╜╨╛ ╨╛╨╜ ╨┐╨╛╨▓╤Л╤И╨░╨╡╤В╤Б╤П ╨┤╨╛ 10000 ╨▒╨╕╤В/╤Б, ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╤П 100%. ╨С╨╛╨╗╨╡╨╡ ╤В╨╛╨│╨╛, ╨┐╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░ ╨▒╨╕╤В╨╛╨▓ ╨▓ ╤Б╨╡╨║╤Г╨╜╨┤╤Г ╨▓╨║╨╗╤О╤З╨░╤О╤В ╨▓ ╤Б╨╡╨▒╤П ╤В╨╛╤З╨╜╤Л╨╣ ╤А╨░╤Б╤З╨╡╤В ╨╕ ╨╗╤Г╤З╤И╨╡╨╡ ╨╛╨▒╤К╤П╤Б╨╜╨╡╨╜╨╕╨╡ ╤Б╨┐╤А╨╡╨┤╨░.
╨Ю╨│╨╗╨░╨▓╨╗╨╡╨╜╨╕╨╡
- ╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨▒╨░╨╖╨╕╤Б╨╜╨░╤П ╤В╨╛╤З╨║╨░?
╨Ъ╨╗╤О╤З╨╡╨▓╤Л╨╡ ╨▓╤Л╨▓╨╛╨┤╤Л
- ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╕╨╡ ╨▒╨░╨╖╨╕╤Б╨╜╨╛╨╣ ╤В╨╛╤З╨║╨╕ ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨╜╨░╨╕╨╝╨╡╨╜╤М╤И╤Г╤О ╨╝╨╡╤В╤А╨╕╨║╤Г ╨┤╨╗╤П ╨╛╨▒╨╛╨╖╨╜╨░╤З╨╡╨╜╨╕╤П ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨╛╨│╨╛ ╨╕╨╖╨╝╨╡╨╜╨╡╨╜╨╕╤П ╤Ж╨╡╨╜╤Л ╨╕╨╗╨╕ ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╨┐╨░╤А╨░╨╝╨╡╤В╤А╨╛╨▓, ╨░ ╨╕╨╝╨╡╨╜╨╜╨╛ ╨║╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╨║╨╕╤Е ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣, ╨║╨╛╤А╨┐╨╛╤А╨░╤В╨╕╨▓╨╜╤Л╤Е ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣ ╨╕ ╨┤╨╛╨╗╨│╨╛╨▓╤Л╤Е ╤Ж╨╡╨╜╨╜╤Л╤Е ╨▒╤Г╨╝╨░╨│.
- ╨Ю╨┤╨╕╨╜ ╨▒╨╕╤В/╤Б ╤А╨░╨▓╨╡╨╜ 0,01% ╨╕╨╗╨╕ 0,0001, ╨░ ╤Б╤В╨╛ ╨▒╨╕╤В/╤Б ╤А╨░╨▓╨╡╨╜ 1% ╨╕╨╗╨╕ 0,01.
- ╨Х╨│╨╛ ╨┤╨╛╤Б╤В╨╛╨╕╨╜╤Б╤В╨▓╨░ ╨▓╨║╨╗╤О╤З╨░╤О╤В ╨▓ ╤Б╨╡╨▒╤П ╨┐╨╛╨┤╤А╨╛╨▒╨╜╤Г╤О ╨╛╤Ж╨╡╨╜╨║╤Г ╤Ж╨╡╨╜╨╛╨▓╨╛╨│╨╛ ╨┤╨▓╨╕╨╢╨╡╨╜╨╕╤П ╨╜╨╕╨╢╨╡ 1% ╨╕ ╨╗╤Г╤З╤И╨╡╨╡ ╨╛╨▒╤К╤П╤Б╨╜╨╡╨╜╨╕╨╡ ╤Б╨┐╤А╨╡╨┤╨░.
- ╨Ш╨╜╨▓╨╡╤Б╤В╨╛╤А ╨┤╨╛╨╗╨╢╨╡╨╜ ╤А╨░╨╖╨┤╨╡╨╗╨╕╤В╤М bps ╨╜╨░ 100 ╨┤╨╗╤П ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨╛╨│╨╛ ╨┐╤А╨╡╨╛╨▒╤А╨░╨╖╨╛╨▓╨░╨╜╨╕╤П ╨╕ ╤Г╨╝╨╜╨╛╨╢╨╕╤В╤М ╨┐╤А╨╛╤Ж╨╡╨╜╤В ╨╜╨░ 100 ╨┤╨╗╤П ╨┐╤А╨╡╨╛╨▒╤А╨░╨╖╨╛╨▓╨░╨╜╨╕╤П ╨▓ bps.
╨Ю╨▒╤К╤П╤Б╨╜╨╡╨╜╨╕╨╡ ╨▒╨░╨╖╨╛╨▓╨╛╨╣ ╤В╨╛╤З╨║╨╕
╨С╨░╨╖╨╕╤Б╨╜╤Л╨╣ ╨┐╤Г╨╜╨║╤В ╨╕╨╗╨╕ ╨▒╨░╨╖╨╕╤Б╨╜╤Л╨╡ ╨┐╤Г╨╜╨║╤В╤Л ╨┐╨╛╨╝╨╛╨│╨░╤О╤В ╨д╨╡╨┤╨╡╤А╨░╨╗╤М╨╜╨╛╨╣ ╤А╨╡╨╖╨╡╤А╨▓╨╜╨╛╨╣ ╤Б╨╕╤Б╤В╨╡╨╝╨╡ (╨д╨а╨б) ╨╛╤Б╤Г╤Й╨╡╤Б╤В╨▓╨╗╤П╤В╤М ╤Е╨╛╤А╨╛╤И╨╕╨╣ ╨║╨╛╨╜╤В╤А╨╛╨╗╤М ╨╜╨░╨┤ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Л╨╝╨╕ ╤Б╤В╨░╨▓╨║╨░╨╝╨╕, ╨▓╨╗╨╕╤П╤О╤Й╨╕╨╝╨╕ ╨╜╨░ ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╨╡ ╤Н╨║╨╛╨╜╨╛╨╝╨╕╨║╨╛╨╣ ╨б╨и╨Р. ╨д╨а╨б ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╨╡╤В ╨▒╨╕╤В╤Л ╨▓ ╤Б╨╡╨║╤Г╨╜╨┤╤Г ╨┐╤А╨╕ ╨▓╤Л╨┤╨░╤З╨╡ ╨║╤А╨╡╨┤╨╕╤В╨╛╨▓ ╨╜╨░╨╗╨╕╤З╨╜╤Л╨╝╨╕ ╨╕╨╗╨╕ ╨╕╨╖╨╝╨╡╨╜╨╡╨╜╨╕╨╕ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Л╤Е ╤Б╤В╨░╨▓╨╛╨║. ╨Ъ╤А╨╛╨╝╨╡ ╤В╨╛╨│╨╛, ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А╤Л ╨╕ ╨┐╨╛╤А╤В╤Д╨╡╨╗╤М╨╜╤Л╨╡ ╨┤╨╕╤А╨╡╨║╤В╨╛╤А╨░ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╤О╤В ╤Н╤В╨╛ ╨┤╨╗╤П ╤В╨╛╤А╨│╨╛╨▓╨╗╨╕ ╨▓╨╖╨░╨╕╨╝╨╜╤Л╨╝╨╕ ╤Д╨╛╨╜╨┤╨░╨╝╨╕. ╨Т╨╖╨░╨╕╨╝╨╜╤Л╨╡ ╤Д╨╛╨╜╨┤╤Л. ╨Т╨╖╨░╨╕╨╝╨╜╤Л╨╣ ╤Д╨╛╨╜╨┤ тАФ ╤Н╤В╨╛ ╨┐╤А╨╛╤Д╨╡╤Б╤Б╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛ ╤Г╨┐╤А╨░╨▓╨╗╤П╨╡╨╝╤Л╨╣ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╨╣ ╨┐╤А╨╛╨┤╤Г╨║╤В, ╨▓ ╨║╨╛╤В╨╛╤А╨╛╨╝ ╨┐╤Г╨╗ ╨┤╨╡╨╜╨╡╨│ ╨╛╤В ╨│╤А╤Г╨┐╨┐╤Л ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А╨╛╨▓ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╤Г╨╡╤В╤Б╤П ╨▓ ╨░╨║╤В╨╕╨▓╤Л, ╤В╨░╨║╨╕╨╡ ╨║╨░╨║ ╨░╨║╤Ж╨╕╨╕, ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╨╕ ╤В. ╨┤. ╨Ъ╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╨║╨╕╨╡ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ (╨╕╨╗╨╕ ╨║╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╨║╨╕╨╡ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕) тАФ ╤Н╤В╨╛ ╤Ж╨╡╨╜╨╜╤Л╨╡ ╨▒╤Г╨╝╨░╨│╨╕ ╨│╨╛╤Б╤Г╨┤╨░╤А╤Б╤В╨▓╨╡╨╜╨╜╨╛╨│╨╛ ╨┤╨╛╨╗╨│╨░ ╤Б ╤Д╨╕╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╨╛╨╣ ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╤М╤О ╨╕ ╨╛╤В╨╜╨╛╤Б╨╕╤В╨╡╨╗╤М╨╜╨╛ ╨╜╨╕╨╖╨║╨╕╨╝ ╤А╨╕╤Б╨║╨╛╨╝, ╨▓╤Л╨┐╤Г╤Й╨╡╨╜╨╜╤Л╨╡ ╨┐╤А╨░╨▓╨╕╤В╨╡╨╗╤М╤Б╤В╨▓╨╛╨╝ ╨б╨и╨Р. ╨Т╤Л ╨╝╨╛╨╢╨╡╤В╨╡ ╨║╤Г╨┐╨╕╤В╤М ╨║╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╨║╨╕╨╡ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╨╜╨╡╨┐╨╛╤Б╤А╨╡╨┤╤Б╤В╨▓╨╡╨╜╨╜╨╛ ╨▓ ╨Ь╨╕╨╜╨╕╤Б╤В╨╡╤А╤Б╤В╨▓╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓ ╨б╨и╨Р ╨╕╨╗╨╕ ╤З╨╡╤А╨╡╨╖ ╨▒╨░╨╜╨║, ╨▒╤А╨╛╨║╨╡╤А╨░ ╨╕╨╗╨╕ ╨║╨╛╨╝╨┐╨░╨╜╨╕╤О ╨▓╨╖╨░╨╕╨╝╨╜╨╛╨│╨╛ ╤Д╨╛╨╜╨┤╨░. ╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡, ╨░ ╤В╨░╨║╨╢╨╡ ╨▒╨╕╤А╨╢╨╡╨▓╤Л╨╡ ╤Д╨╛╨╜╨┤╤Л╨С╨╕╤А╨╢╨╡╨▓╤Л╨╡ ╤Д╨╛╨╜╨┤╤Л╨С╨╕╤А╨╢╨╡╨▓╨╛╨╣ ╤Д╨╛╨╜╨┤ (ETF) тАФ ╤Н╤В╨╛ ╤Ж╨╡╨╜╨╜╨░╤П ╨▒╤Г╨╝╨░╨│╨░, ╨║╨╛╤В╨╛╤А╨░╤П ╤Б╨╛╨┤╨╡╤А╨╢╨╕╤В ╨╝╨╜╨╛╨╢╨╡╤Б╤В╨▓╨╛ ╤В╨╕╨┐╨╛╨▓ ╤Ж╨╡╨╜╨╜╤Л╤Е ╨▒╤Г╨╝╨░╨│, ╤В╨░╨║╨╕╤Е ╨║╨░╨║ ╨║╨░╨║ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕, ╨░╨║╤Ж╨╕╨╕, ╤В╨╛╨▓╨░╤А╤Л ╨╕ ╤В. ╨┤., ╨╕ ╨║╨╛╤В╨╛╤А╤Л╨╡ ╤В╨╛╤А╨│╤Г╤О╤В╤Б╤П ╨╜╨░ ╨▒╨╕╤А╨╢╨╡, ╨║╨░╨║ ╨░╨║╤Ж╨╕╨╕, ╤Ж╨╡╨╜╨░ ╨║╨╛╤В╨╛╤А╤Л╤Е ╨╝╨╜╨╛╨│╨╛╨║╤А╨░╤В╨╜╨╛ ╨║╨╛╨╗╨╡╨▒╨╗╨╡╤В╤Б╤П ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨┤╨╜╤П, ╨║╨╛╨│╨┤╨░ ╤В╨╛╤А╨│╤Г╨╡╨╝╤Л╨╣ ╨╜╨░ ╨▒╨╕╤А╨╢╨╡ ╤Д╨╛╨╜╨┤ ╨┐╨╛╨║╤Г╨┐╨░╨╡╤В╤Б╤П ╨╕ ╨┐╤А╨╛╨┤╨░╨╡╤В╤Б╤П ╨╜╨░ ╨▒╨╕╤А╨╢╨╡. ╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡ (ETF).
╨Ю╨▒╤А╨░╤В╨╕╤В╨╡ ╨▓╨╜╨╕╨╝╨░╨╜╨╕╨╡, ╤З╤В╨╛ ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╤М ╨╜╨╡╨║╨╛╤В╨╛╤А╤Л╤Е ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣ ╨║╨╛╨╗╨╡╨▒╨╗╨╡╤В╤Б╤П ╨╕ ╤Б╨▓╤П╨╖╨░╨╜╨░ ╤Б ╤А╨░╨╖╨╗╨╕╤З╨╜╤Л╨╝╨╕ ╤Б╤В╨░╨▓╨║╨░╨╝╨╕ ╨┐╤А╨╡╨┤╨╗╨╛╨╢╨╡╨╜╨╕╤П, ╨╜╨░╨┐╤А╨╕╨╝╨╡╤А, ╨╜╨░ 30 ╨▒╨░╨╖╨╕╤Б╨╜╤Л╤Е ╨┐╤Г╨╜╨║╤В╨╛╨▓ ╨▓╤Л╤И╨╡ ╨Ы╨╛╨╜╨┤╨╛╨╜╤Б╨║╨╛╨╣ ╨╝╨╡╨╢╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╛╨╣ ╤Б╤В╨░╨▓╨║╨╕ ╨┐╤А╨╡╨┤╨╗╨╛╨╢╨╡╨╜╨╕╤П╨Ы╨╛╨╜╨┤╨╛╨╜╤Б╨║╨░╤П ╨╝╨╡╨╢╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨░╤П ╤Б╤В╨░╨▓╨║╨░ ╨┐╤А╨╡╨┤╨╗╨╛╨╢╨╡╨╜╨╕╤П ╨б╤В╨░╨▓╨║╨░ LIBOR (╨Ы╨╛╨╜╨┤╨╛╨╜╤Б╨║╨╛╨╡ ╨╝╨╡╨╢╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╛╨╡ ╨┐╤А╨╡╨┤╨╗╨╛╨╢╨╡╨╜╨╕╨╡) тАФ ╤Н╤В╨╛ ╤А╨░╤Б╤З╨╡╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░, ╤А╨░╤Б╤Б╤З╨╕╤В╨░╨╜╨╜╨░╤П ╨┐╤Г╤В╨╡╨╝ ╤Г╤Б╤А╨╡╨┤╨╜╨╡╨╜╨╕╤П ╤В╨╡╨║╤Г╤Й╨╡╨╣ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨╛╨╣ ╤Б╤В╨░╨▓╨║╨╕, ╨▓╨╖╨╕╨╝╨░╨╡╨╝╨╛╨╣ ╨╕╨╖╨▓╨╡╤Б╤В╨╜╤Л╨╝╨╕ ╤Ж╨╡╨╜╤В╤А╨░╨╗╤М╨╜╤Л╨╝╨╕ ╨▒╨░╨╜╨║╨░╨╝╨╕. ╨▓ ╨Ы╨╛╨╜╨┤╨╛╨╜╨╡ ╨▓ ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╤Н╤В╨░╨╗╨╛╨╜╨╜╨╛╨╣ ╤Б╤В╨░╨▓╨║╨╕ ╨┤╨╗╤П ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╤А╤Л╨╜╨║╨╛╨▓ ╨▓╨╜╤Г╤В╤А╨╕ ╤Б╤В╤А╨░╨╜╤Л ╨╕ ╨╖╨░ ╤А╤Г╨▒╨╡╨╢╨╛╨╝, ╨│╨┤╨╡ ╨╛╨╜╨░ ╨╝╨╡╨╜╤П╨╡╤В╤Б╤П ╨╕╨╖╨╛ ╨┤╨╜╤П ╨▓ ╨┤╨╡╨╜╤М ╨▓ ╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛╤Б╤В╨╕ ╨╛╤В ╨║╨╛╨╜╨║╤А╨╡╤В╨╜╤Л╤Е ╤А╤Л╨╜╨╛╤З╨╜╤Л╤Е ╤Г╤Б╨╗╨╛╨▓╨╕╨╣. ╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡ (LIBOR). ╨Р╨╗╤М╤В╨╡╤А╨╜╨░╤В╨╕╨▓╨╜╨╛ ╨╛╨▒╨╛╨╖╨╜╨░╤З╨░╨╡╨╝╤Л╨╣ ╨║╨░╨║ DV01DV01DV01, ╨╕╨╗╨╕ ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓╨░╤П ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М 1 ╨▒╨░╨╖╨╕╤Б╨╜╨╛╨│╨╛ ╨┐╤Г╨╜╨║╤В╨░, ╨╕╨╖╨╝╨╡╤А╤П╨╡╤В ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Л╨╣ ╤А╨╕╤Б╨║ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╨╕╨╗╨╕ ╨┐╨╛╤А╤В╤Д╨╡╨╗╤П ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣ ╨┐╤Г╤В╨╡╨╝ ╨╛╤Ж╨╡╨╜╨║╨╕ ╨╕╨╖╨╝╨╡╨╜╨╡╨╜╨╕╤П ╤Ж╨╡╨╜╤Л ╨▓ ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓╨╛╨╝ ╨▓╤Л╤А╨░╨╢╨╡╨╜╨╕╨╕ ╨▓ ╨╛╤В╨▓╨╡╤В ╨╜╨░ ╨╕╨╖╨╝╨╡╨╜╨╡╨╜╨╕╨╡ ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╨╕ ╨╜╨░ ╨╛╨┤╨╕╨╜ ╨▒╨░╨╖╨╕╤Б╨╜╤Л╨╣ ╨┐╤Г╨╜╨║╤В (1% ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В 100 ╨▒╨░╨╖╨╕╤Б╨╜╤Л╤Е ╨┐╤Г╨╜╨║╤В╨╛╨▓). ╨▒╨░╨╗╨╗╤Л).╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡, ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╨▒╨░╨╖╨╕╤Б╨╜╨╛╨│╨╛ ╨┐╤Г╨╜╨║╤В╨░ ╤Г╨║╨░╨╖╤Л╨▓╨░╨╡╤В ╨╜╨░ ╨╕╨╖╨╝╨╡╨╜╨╡╨╜╨╕╨╡ ╤Ж╨╡╨╜╤Л (╨▓ ╨┤╨╛╨╗╨╗╨░╤А╨░╤Е) ╤Ж╨╡╨╜╨╜╨╛╨╣ ╨▒╤Г╨╝╨░╨│╨╕ ╤Б ╤Д╨╕╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╨╛╨╣ ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╤М╤О ╨┐╨╛╤Б╨╗╨╡ ╨╕╨╖╨╝╨╡╨╜╨╡╨╜╨╕╤П ╨╡╨╡ ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╨╕ ╨╜╨░ ╨╛╨┤╨╕╨╜ ╨▒╨░╨╖╨╛╨▓╤Л╨╣ ╨┐╤Г╨╜╨║╤В.
╨Ш╤В╨░╨║, 2,5% LIBOR ╤Б╨╛╨╛╨▒╤Й╨░╨╡╤В ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Г╤О ╤Б╤В╨░╨▓╨║╤Г,
= 2,5% +30 ╨▒.╨┐.
= 2,5% + 0,3%
╨в╨░╨║╨╕╨╝ ╨╛╨▒╤А╨░╨╖╨╛╨╝, ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░ = 2,8%
╨Я╤А╨╕╨╜╤Ж╨╕╨┐╨╕╨░╨╗╤М╨╜╨╛╨╡ ╨╛╤В╨╗╨╕╤З╨╕╨╡ ╤Б ╤Г╤З╨╡╤В╨╛╨╝ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Л╨╣ ╨┐╤Г╨╜╨║╤В ╨┐╤А╨╛╤В╨╕╨▓ ╨▒╨░╨╖╨╕╤Б╨╜╨╛╨│╨╛ ╨┐╤Г╨╜╨║╤В╨░ ╨▓ ╤Д╨╕╨╜╨░╨╜╤Б╨░╤Е ╨╖╨░╨║╨╗╤О╤З╨░╨╡╤В╤Б╤П ╨▓ ╨╕╤Е ╨╕╨╜╤В╨╡╤А╨┐╤А╨╡╤В╨░╤Ж╨╕╨╕. ╨Я╨╡╤А╨▓╤Л╨╣ ╨┐╨╛╨┤╤А╨░╨╖╤Г╨╝╨╡╨▓╨░╨╡╤В ╤А╨░╨╖╨╗╨╕╤З╨╕╨╡ ╨╝╨╡╨╢╨┤╤Г ╨┤╨▓╤Г╨╝╤П ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨░╨╝╨╕, ╨▓ ╤В╨╛ ╨▓╤А╨╡╨╝╤П ╨║╨░╨║ ╨┐╨╛╤Б╨╗╨╡╨┤╨╜╨╕╨╣ ╨╛╨▒╨╛╨╖╨╜╨░╤З╨░╨╡╤В ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨╛╨╡ ╨╕╨╖╨╝╨╡╨╜╨╡╨╜╨╕╨╡ ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╨╕╨╜╤Б╤В╤А╤Г╨╝╨╡╨╜╤В╨╛╨▓. ╨║╨░╨┐╨╕╤В╨░╨╗, ╤Д╤М╤О╤З╨╡╤А╤Б╤Л, ╨░╨║╤Ж╨╕╨╕, ╨┐╨╡╤А╨╡╨▓╨╛╨┤╨╜╤Л╨╡ ╨▓╨╡╨║╤Б╨╡╨╗╤П, ╤Д╨╛╤А╨▓╨░╤А╨┤╤Л, FRA ╨╕╨╗╨╕ ╤Б╨╛╨│╨╗╨░╤И╨╡╨╜╨╕╨╡ ╨╛ ╤Д╨╛╤А╨▓╨░╤А╨┤╨╜╨╛╨╣ ╤Б╤В╨░╨▓╨║╨╡ ╨╕ ╤В. ╨┤. ╨╛╨┤╨╜╨╛╨╣ ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╨╕ ╨╕ ╨▓ ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╤Б╤В╨▓╨░ ╨┤╤А╤Г╨│╨╛╨╣ ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╨╕ ╨╕ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╤О╤В╤Б╤П ╨╕╤Б╨║╨╗╤О╤З╨╕╤В╨╡╨╗╤М╨╜╨╛ ╨▓ ╤В╨╛╤А╨│╨╛╨▓╤Л╤Е ╤Ж╨╡╨╗╤П╤Е. ╨┐╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡. ╨б ╤В╨╛╤З╨║╨╕ ╨╖╤А╨╡╨╜╨╕╤П ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Л╨╣ ╨┐╤Г╨╜╨║╤В ╨┐╤А╨╛╤В╨╕╨▓ ╨▒╨░╨╖╨╕╤Б╨╜╨╛╨│╨╛ ╨┐╤Г╨╜╨║╤В╨░╨▒╨╕╤В/╤Б ╨┐╨╛╨╝╨╛╨│╨░╨╡╤В ╨▒╨╛╨╗╨╡╨╡ ╨░╨┤╨╡╨║╨▓╨░╤В╨╜╨╛ ╨▓╤Л╤А╨░╨╢╨░╤В╤М ╨╜╨╡╨▒╨╛╨╗╤М╤И╨╕╨╡ ╤З╨╕╤Б╨╗╨╛╨▓╤Л╨╡ ╨╕╨╖╨╝╨╡╨╜╨╡╨╜╨╕╤П, ╤З╨╡╨╝ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨░╤П ╤В╨╛╤З╨║╨░.
╨Ъ╨░╨║╨╕╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╨╕╨╜╤Б╤В╤А╤Г╨╝╨╡╨╜╤В╤Л ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╤О╤В ╨▒╨░╨╖╨╕╤Б╨╜╤Г╤О ╤В╨╛╤З╨║╤Г?
╨е╨╛╤В╤П ╨▓ ╨╛╤Б╨╜╨╛╨▓╨╜╨╛╨╝ ╨╛╨╜ ╨╛╤В╨╜╨╛╤Б╨╕╤В╤Б╤П ╨║ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Л╨╝ ╤Б╤В╨░╨▓╨║╨░╨╝ ╨╕ ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╨╕ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣ ╨╜╨░ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨╝ ╤А╤Л╨╜╨║╨╡, ╤В╨╡╤А╨╝╨╕╨╜ ┬л╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╣ ╤А╤Л╨╜╨╛╨║┬╗ ╨╛╤В╨╜╨╛╤Б╨╕╤В╤Б╤П ╨║ ╤А╤Л╨╜╨║╤Г, ╨╜╨░ ╨║╨╛╤В╨╛╤А╨╛╨╝ ╨╛╤Б╤Г╤Й╨╡╤Б╤В╨▓╨╗╤П╤О╤В╤Б╤П ╤В╨░╨║╨╕╨╡ ╨┤╨╡╨╣╤Б╤В╨▓╨╕╤П, ╨║╨░╨║ ╤Б╨╛╨╖╨┤╨░╨╜╨╕╨╡ ╨╕ ╤В╨╛╤А╨│╨╛╨▓╨╗╤П ╤А╨░╨╖╨╗╨╕╤З╨╜╤Л╨╝╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╝╨╕ ╨░╨║╤В╨╕╨▓╨░╨╝╨╕, ╤В╨░╨║╨╕╨╝╨╕ ╨║╨░╨║ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕, ╨░╨║╤Ж╨╕╨╕, ╤В╨╛╨▓╨░╤А╤Л, ╨▓╨░╨╗╤О╤В╤Л ╨╕ ╨┐╤А╨╛╨╕╨╖╨▓╨╛╨┤╨╜╤Л╨╡ ╨╕╨╜╤Б╤В╤А╤Г╨╝╨╡╨╜╤В╤Л. ╨Ю╨╜ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨┐╨╗╨░╤В╤Д╨╛╤А╨╝╤Г ╨┤╨╗╤П ╨▓╨╖╨░╨╕╨╝╨╛╨┤╨╡╨╣╤Б╤В╨▓╨╕╤П ╨┐╤А╨╛╨┤╨░╨▓╤Ж╨╛╨▓ ╨╕ ╨┐╨╛╨║╤Г╨┐╨░╤В╨╡╨╗╨╡╨╣ ╨╕ ╤В╨╛╤А╨│╨╛╨▓╨╗╨╕ ╨┐╨╛ ╤Ж╨╡╨╜╨╡, ╨╛╨┐╤А╨╡╨┤╨╡╨╗╤П╨╡╨╝╨╛╨╣ ╤А╤Л╨╜╨╛╤З╨╜╤Л╨╝╨╕ ╤Б╨╕╨╗╨░╨╝╨╕. ╨С╨╛╨╗╨╡╨╡ ╤В╨╛╨│╨╛, ╨▒╨╕╤В╤Л ╨▓ ╤Б╨╡╨║╤Г╨╜╨┤╤Г ╤В╨░╨║╨╢╨╡ ╨┐╤А╨╕╨╝╨╡╨╜╨╕╨╝╤Л ╨║ ╨╕╨╖╨╝╨╡╨╜╨╡╨╜╨╕╤О ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╨╕ ╨░╨║╤В╨╕╨▓╨░. ╨Т╨╛╤В ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╛ ╤А╨░╤Б╨┐╤А╨╛╤Б╤В╤А╨░╨╜╨╡╨╜╨╜╤Л╤Е ╨┐╤А╨╕╨╝╨╡╤А╨╛╨▓:
- ╨Ъ╨╛╤А╨┐╨╛╤А╨░╤В╨╕╨▓╨╜╤Л╨╡ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕
- ╨Ъ╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╨║╨╕╨╡ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕
- ╨Ъ╤А╨╡╨┤╨╕╤В╨╜╤Л╨╡ ╨┤╨╡╤А╨╕╨▓╨░╤В╨╕╨▓╤Л╨Ъ╤А╨╡╨┤╨╕╤В╨╜╤Л╨╡ ╨┤╨╡╤А╨╕╨▓╨░╤В╨╕╨▓╤Л╨Ъ╤А╨╡╨┤╨╕╤В╨╜╤Л╨╡ ╨┤╨╡╤А╨╕╨▓╨░╤В╨╕╨▓╤Л (╨Ъ╨Ф) тАФ ╤Н╤В╨╛ ╨┐╤А╨╛╨╕╨╖╨▓╨╛╨┤╨╜╤Л╨╡ ╨║╨╛╨╜╤В╤А╨░╨║╤В╤Л, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨┐╨╛╨╖╨▓╨╛╨╗╤П╤О╤В ╨║╤А╨╡╨┤╨╕╤В╨╛╤А╤Г ╨┐╨╡╤А╨╡╨┤╨░╤В╤М ╨║╤А╨╡╨┤╨╕╤В╨╜╤Л╨╣ ╤А╨╕╤Б╨║ ╨┐╨╛ ╨┤╨╛╨╗╨│╨╛╨▓╨╛╨╝╤Г ╨╕╨╜╤Б╤В╤А╤Г╨╝╨╡╨╜╤В╤Г ╤В╤А╨╡╤В╤М╨╡╨╣ ╤Б╤В╨╛╤А╨╛╨╜╨╡ ╨▓ ╨╛╨▒╨╝╨╡╨╜ ╨╜╨░ ╨┐╨╗╨░╤В╨╡╨╢. ╤З╨╕╤В╨░╤В╤М ╨┤╨░╨╗╨╡╨╡
- ╨Я╤А╨╛╨╕╨╖╨▓╨╛╨┤╨╜╤Л╨╡ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Л╨╡ ╤Б╤В╨░╨▓╨║╨╕
- ╨Ф╨╛╨╗╨│╨╛╨▓╤Л╨╡ ╤Ж╨╡╨╜╨╜╤Л╨╡ ╨▒╤Г╨╝╨░╨│╨╕
- ╨д╤М╤О╤З╨╡╤А╤Б╤Л ╨╕ ╨╛╨┐╤Ж╨╕╨╛╨╜╤Л
- ╨Ф╨╛╨╗╨╡╨▓╤Л╨╡ ╤Ж╨╡╨╜╨╜╤Л╨╡ ╨▒╤Г╨╝╨░╨│╨╕
╨С╨░╨╖╨╕╤Б╨╜╤Л╨╣ ╨┐╤Г╨╜╨║╤В ╨▓ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨░╤Е
╨Ф╨╗╤П ╨┐╤А╨╡╨╛╨▒╤А╨░╨╖╨╛╨▓╨░╨╜╨╕╤П ╨╕╨╖ ╨▒╨░╨╖╨╕╤Б╨╜╤Л╤Е ╨┐╤Г╨╜╨║╤В╨╛╨▓ ╨▓ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л ╨╕ ╨╜╨░╨╛╨▒╨╛╤А╨╛╤В:
- ╨С╨╕╤В/╤Б ╨▓ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨░╤Е тАФ ╤А╨░╨╖╨┤╨╡╨╗╨╕╤В╨╡ ╨▒╨╕╤В/╤Б ╨╜╨░ 100.
╨б╨╗╨╡╨┤╨╛╨▓╨░╤В╨╡╨╗╤М╨╜╨╛, 5 ╨▒.╨┐. = 5/100 = 0,05%
- ╨Я╤А╨╛╤Ж╨╡╨╜╤В╤Л ╨║ ╨▒╨╕╤В╨░╨╝ ╨▓ ╤Б╨╡╨║╤Г╨╜╨┤╤Г тАФ ╤Г╨╝╨╜╨╛╨╢╤М╤В╨╡ ╨┐╤А╨╛╤Ж╨╡╨╜╤В ╨╜╨░ 100.
╨б╨╗╨╡╨┤╨╛╨▓╨░╤В╨╡╨╗╤М╨╜╨╛, 50% = 50 * 100 = 5000 ╨▒╨╕╤В/╤Б.
╨а╨░╤Б╤З╨╡╤В╤Л
╨Т╨╛╤В ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╛ ╨┐╤А╨╕╨╝╨╡╤А╨╛╨▓ ╨▒╨░╨╖╨╕╤Б╨╜╤Л╨╡ ╤А╨░╤Б╤З╨╡╤В╤Л ╨▓ ╤Д╨╕╨╜╨░╨╜╤Б╨░╤Е.
╨Я╤А╨╕╨╝╨╡╤А тДЦ1
╨Я╤А╨╡╨┤╨┐╨╛╨╗╨╛╨╢╨╕╨╝, ╤З╤В╨╛ ╨║╨╛╨╝╨╝╨╡╤А╤З╨╡╤Б╨║╨╕╨╣ ╨▒╨░╨╜╨║╨Ъ╨╛╨╝╨╝╨╡╤А╤З╨╡╤Б╨║╨╕╨╣ ╨▒╨░╨╜╨║╨Ъ╨╛╨╝╨╝╨╡╤А╤З╨╡╤Б╨║╨╕╨╣ ╨▒╨░╨╜╨║ ╨╛╤В╨╜╨╛╤Б╨╕╤В╤Б╤П ╨║ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨╝╤Г ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╤О, ╨║╨╛╤В╨╛╤А╨╛╨╡ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╤А╨░╨╖╨╗╨╕╤З╨╜╤Л╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╤А╨╡╤И╨╡╨╜╨╕╤П ╨┤╨╗╤П ╨╛╤В╨┤╨╡╨╗╤М╨╜╤Л╤Е ╨║╨╗╨╕╨╡╨╜╤В╨╛╨▓ ╨╕╨╗╨╕ ╨║╨╗╨╕╨╡╨╜╤В╨╛╨▓ ╨╝╨░╨╗╨╛╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░. ╨н╤В╨╛ ╨╛╨▒╨╗╨╡╨│╤З╨░╨╡╤В ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╨╡ ╨┤╨╡╨┐╨╛╨╖╨╕╤В╤Л, ╤Г╤Б╨╗╤Г╨│╨╕ ╤И╨║╨░╤Д╤З╨╕╨║╨╛╨▓, ╨║╤А╨╡╨┤╨╕╤В╤Л, ╤В╨╡╨║╤Г╤Й╨╕╨╡ ╤Б╤З╨╡╤В╨░ ╨╕ ╤А╨░╨╖╨╗╨╕╤З╨╜╤Л╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╨┐╤А╨╛╨┤╤Г╨║╤В╤Л, ╤В╨░╨║╨╕╨╡ ╨║╨░╨║ ╤Б╨▒╨╡╤А╨╡╨│╨░╤В╨╡╨╗╤М╨╜╤Л╨╡ ╤Б╤З╨╡╤В╨░, ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╨╡ ╨╛╨▓╨╡╤А╨┤╤А╨░╤Д╤В╤Л ╨╕ ╨┤╨╡╨┐╨╛╨╖╨╕╤В╨╜╤Л╨╡ ╤Б╨╡╤А╤В╨╕╤Д╨╕╨║╨░╤В╤Л. ╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡ ╤Б╨╜╨╕╨╢╨░╨╡╤В ╤Б╤В╨░╨▓╨║╤Г ╨╢╨╕╨╗╨╕╤Й╨╜╨╛╨│╨╛ ╨║╤А╨╡╨┤╨╕╤В╨░ ╨╜╨░ 25 ╨▒╨░╨╖╨╕╤Б╨╜╤Л╤Е ╨┐╤Г╨╜╨║╤В╨╛╨▓ ╤Б 8,75%. ╨в╨░╨║╨╕╨╝ ╨╛╨▒╤А╨░╨╖╨╛╨╝, ╤Б╨╜╨╕╨╢╨╡╨╜╨╕╨╡ ╤Б╤В╨░╨▓╨║╨╕ (╨▓ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨░╤Е) ╨▓╤Л╨│╨╗╤П╨┤╨╕╤В ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╕╨╝ ╨╛╨▒╤А╨░╨╖╨╛╨╝:
╨б╨╜╨╕╨╢╨╡╨╜╨╕╨╡ ╤Б╤В╨░╨▓╨║╨╕ = 0,01% * 25
= (0,01/100) * 25
= 0,25%
╨в╨╡╨┐╨╡╤А╤М ╤В╨╡╨║╤Г╤Й╨░╤П ╨║╤А╨╡╨┤╨╕╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╤П╨╡╤В╤Б╤П ╤В╨░╨║:
╨Э╨╛╨▓╨░╤П ╨║╤А╨╡╨┤╨╕╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░ = 8,75% тАУ 0,25%
= 8,50 %
╨Я╤А╨╕╨╝╨╡╤А#2
╨б╨║╨░╨╢╨╡╨╝, ╨Я╨╡╨╜╨╜╨╕ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╤Г╨╡╤В ╨▓ ╤Ж╨╡╨╜╨╜╤Л╨╡ ╨▒╤Г╨╝╨░╨│╨╕ ╤Б ╤Д╨╕╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╝ ╨┤╨╛╤Е╨╛╨┤╨╛╨╝ ╤Б ╨┤╨╛╤Е╨╛╨┤╨╛╨╝ ╨╛╤В ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╣ (ROI) 20% ╨▓ ╨│╨╛╨┤ ╨╕ ╨║╨╛╤Н╤Д╤Д╨╕╤Ж╨╕╨╡╨╜╤В╨╛╨╝ ╤А╨░╤Б╤Е╨╛╨┤╨╛╨▓ 25 ╨▒╨░╨╖╨╕╤Б╨╜╤Л╤Е ╨┐╤Г╨╜╨║╤В╨╛╨▓. ╨б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╡╨╜╨╜╨╛, ╨▓╨░╨╗╨╛╨▓╨░╤П ╨╜╨╛╤А╨╝╨░ ╨┐╤А╨╕╨▒╤Л╨╗╨╕ ╤А╨░╨▓╨╜╨░
╨Ю╨▒╤Й╨╕╨╣ ROI = 10% тАУ 25 ╨▒.╨┐.
= 10% тАУ (25/100) %
= 10% тАУ 0,25%
╨б╨╗╨╡╨┤╨╛╨▓╨░╤В╨╡╨╗╤М╨╜╨╛, ROI = 9,75%
╨Я╤А╨╕╨╝╨╡╤А тДЦ3
╨д╨а╨б ╨┐╨╛╨▓╤Л╤Б╨╕╨╗╨░ ╨▒╨░╨╖╨╛╨▓╤Г╤О ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Г╤О ╤Б╤В╨░╨▓╨║╤Г ╨┤╨╛ ╤Б╨░╨╝╨╛╨╣ ╨▒╨╛╨╗╤М╤И╨╛╨╣ ╤Б╤Г╨╝╨╝╤Л ╨╖╨░ ╨┤╨▓╨░ ╨┤╨╡╤Б╤П╤В╨╕╨╗╨╡╤В╨╕╤П (╨┐╨╛╨╗╨╛╨▓╨╕╨╜╨░ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨╛╨│╨╛ ╨┐╤Г╨╜╨║╤В╨░) ╨┤╨╗╤П ╨┐╤А╨╛╤В╨╕╨▓╨╛╨┤╨╡╨╣╤Б╤В╨▓╨╕╤П ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕. ╨Я╨╛ ╤Б╨╗╨╛╨▓╨░╨╝ ╨╡╨│╨╛ ╨┐╤А╨╡╨┤╤Б╨╡╨┤╨░╤В╨╡╨╗╤П ╨Ф╨╢╨╡╤А╨╛╨╝╨░ ╨Я╨░╤Г╤Н╨╗╨╗╨░, ╤Н╤В╨╛ ╨╜╨░╨╝╨╡╨║╨░╨╡╤В ╨╜╨░ ╨╝╨╜╨╛╨│╨╛╤З╨╕╤Б╨╗╨╡╨╜╨╜╤Л╨╡ ╨┐╨╛╨▓╤Л╤И╨╡╨╜╨╕╨╡ ╤Ж╨╡╨╜ ╨╜╨░ 50 ╨▒╨╕╨┐╤Б╨╛╨▓ (╨╝╨░╨║╤Б╨╕╨╝╤Г╨╝). ╨н╤В╨╛╤В ╤И╨░╨│ ╨┐╨╛╨╝╨╛╨╢╨╡╤В ╨▓╨╛╤Б╤Б╤В╨░╨╜╨╛╨▓╨╕╤В╤М ╤Б╤В╨░╨▒╨╕╨╗╨╕╨╖╨░╤Ж╨╕╤О ╤Ж╨╡╨╜.
╨Ъ╤А╨╛╨╝╨╡ ╤В╨╛╨│╨╛, ╨д╨╡╨┤╨╡╤А╨░╨╗╤М╨╜╨░╤П ╤А╨╡╨╖╨╡╤А╨▓╨╜╨░╤П ╤Б╨╕╤Б╤В╨╡╨╝╨░ ╤Б╨╛╨╛╨▒╤Й╨╕╨╗╨░ ╨╛ ╨╜╨░╤З╨░╨╗╨╡ ╤Б╨╛╨║╤А╨░╤Й╨╡╨╜╨╕╤П ╤Б╨▓╨╛╨╕╤Е ╨░╨║╤В╨╕╨▓╨╛╨▓ ╨╜╨░ ╤Б╤Г╨╝╨╝╤Г 9 ╤В╤А╨╕╨╗╨╗╨╕╨╛╨╜╨╛╨▓ ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓. ╨Э╨╡╤Б╨╝╨╛╤В╤А╤П ╨╜╨░ ╤Б╨║╨╗╨╛╨╜╨╜╨╛╤Б╤В╤М ╤А╤Л╨╜╨╛╤З╨╜╨╛╨│╨╛ ╤Ж╨╡╨╜╨╛╨╛╨▒╤А╨░╨╖╨╛╨▓╨░╨╜╨╕╤П ╨║ ╨┐╤А╨╕╤А╨░╤Й╨╡╨╜╨╕╤О ╨д╨а╨б ╨╜╨░ ┬╛ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨╛╨│╨╛ ╨┐╤Г╨╜╨║╤В╨░, ╨║╨╛╨╝╨╕╤Б╤Б╨╕╤П ╨┐╨╛-╨┐╤А╨╡╨╢╨╜╨╡╨╝╤Г ╨╜╨╡ ╤А╨░╤Б╤Б╨╝╨░╤В╤А╨╕╨▓╨░╨╡╤В 75 ╨▒╨╕╨┐╤Б╨╛╨▓.
╨Я╨╗╨░╨╜, ╨╜╨░╤З╨╕╨╜╨░╤О╤Й╨╕╨╣╤Б╤П 1 ╨╕╤О╨╜╤П, ╨▒╤Г╨┤╨╡╤В ╨╜╨░╨▒╨╗╤О╨┤╨░╤В╤М ╨╖╨░ ╨┐╨░╨┤╨╡╨╜╨╕╨╡╨╝ ╨║╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╨║╨╕╤Е ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣ (30 ╨╝╨╕╨╗╨╗╨╕╨░╤А╨┤╨╛╨▓ ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓) ╨╕ ╤Ж╨╡╨╜╨╜╤Л╤Е ╨▒╤Г╨╝╨░╨│, ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╡╨╜╨╜╤Л╤Е ╨╕╨┐╨╛╤В╨╡╨║╨╛╨╣. ╨Ш╨╜╨▓╨╡╤Б╤В╨╛╤А╤Л ╨┐╨╛╨╗╤Г╤З╨░╤О╤В ╨▓╤Л╨│╨╛╨┤╤Г ╨╛╤В ╨┐╨╡╤А╨╕╨╛╨┤╨╕╤З╨╡╤Б╨║╨╕╤Е ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣, ╨╛╤Е╨▓╨░╤В╤Л╨▓╨░╤О╤Й╨╕╤Е ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╜╤Л╨╣ ╨┐╤А╨╛╤Ж╨╡╨╜╤В ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╛╨▓ ╨╕ ╨┐╤А╨╕╨╜╤Ж╨╕╨┐╨░. ╨Ю╨┤╨╜╨░╨║╨╛ ╨╛╨╜╨╕ ╤В╨░╨║╨╢╨╡ ╤Б╤В╨░╨╗╨║╨╕╨▓╨░╤О╤В╤Б╤П ╤Б ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╕╨╝╨╕ ╤А╨╕╤Б╨║╨░╨╝╨╕, ╤В╨░╨║╨╕╨╝╨╕ ╨║╨░╨║ ╤А╨╕╤Б╨║ ╨┤╨╡╤Д╨╛╨╗╤В╨░ ╨╕ ╨┤╨╛╤Б╤А╨╛╤З╨╜╨╛╨│╨╛ ╨┐╨╛╨│╨░╤И╨╡╨╜╨╕╤П. ╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡ (17,5 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р). ╨Ъ╤А╨╛╨╝╨╡ ╤В╨╛╨│╨╛, ╨┐╤А╨╡╨┤╨╡╨╗╤М╨╜╤Л╨╣ ╤А╨░╨╖╨╝╨╡╤А ╨▓╤Л╤А╨░╤Б╤В╨╡╤В ╨┤╨╛ 35 ╨╝╨╕╨╗╨╗╨╕╨░╤А╨┤╨╛╨▓ ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╤З╨╡╤А╨╡╨╖ ╤В╤А╨╕ ╨╝╨╡╤Б╤П╤Ж╨░ ╨╕ 60 ╨╝╨╕╨╗╨╗╨╕╨╛╨╜╨╛╨▓ ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨┤╨╗╤П ╨╕╨┐╨╛╤В╨╡╤З╨╜╤Л╤Е ╨╕ ╨║╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╨║╨╕╤Е ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣ ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╡╨╜╨╜╨╛.
╨Я╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░ ╨▒╨░╨╖╨╛╨▓╨╛╨╣ ╤В╨╛╤З╨║╨╕
╨з╤В╨╛╨▒╤Л ╤Г╤В╨╛╤З╨╜╨╕╤В╤М, ╨┤╨░╨▓╨░╨╣╤В╨╡ ╤А╨░╤Б╤Б╨╝╨╛╤В╤А╨╕╨╝ ╨╜╨╡╨║╨╛╤В╨╛╤А╤Л╨╡ ╨┐╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░ ╨▒╨░╨╖╨╕╤Б╨╜╨╛╨╣ ╤В╨╛╤З╨║╨╕:
╨Ф╨╡╤В╨░╨╗╤М╨╜╤Л╨╣ ╤А╨░╤Б╤З╨╡╤В
╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╨▒╨░╨╖╨╕╤Б╨╜╨╛╨│╨╛ ╨┐╤Г╨╜╨║╤В╨░ ╨┐╨╛╨┤╤В╨▓╨╡╤А╨╢╨┤╨░╨╡╤В ╨▒╨╡╨╖╨╛╤И╨╕╨▒╨╛╤З╨╜╤Г╤О ╨╛╤Ж╨╡╨╜╨║╤Г ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╨┐╨░╤А╨░╨╝╨╡╤В╤А╨╛╨▓, ╤В╨░╨║╨╕╤Е ╨║╨░╨║ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Л╨╡ ╤Б╤В╨░╨▓╨║╨╕. ╨в╨╡╨╝ ╨▒╨╛╨╗╨╡╨╡ ╤Г╨┤╨╛╨▒╨╜╨╛, ╨║╨╛╨│╨┤╨░ ╤А╨░╨╖╨▒╤А╨╛╤Б ╤Б╤В╨░╨▓╨║╨╕ ╨╝╨╡╨╜╤М╤И╨╡ 1% ╨╕ ╨║╨╛╨╗╨╕╤З╨╡╤Б╤В╨▓╨╛ ╨░╨║╤В╤Г╨░╨╗╤М╨╜╨╛. ╨Ф╤А╤Г╨│╨╕╨╝╨╕ ╤Б╨╗╨╛╨▓╨░╨╝╨╕, ╨╛╨╜ ╨┐╤А╨╡╨┤╨╛╤В╨▓╤А╨░╤Й╨░╨╡╤В ╤Б╨╛╨╝╨╜╨╡╨╜╨╕╤П ╨╕ ╤Б╨║╨╡╨┐╤В╨╕╤Ж╨╕╨╖╨╝ ╨┐╤А╨╕ ╨░╨╜╨░╨╗╨╕╨╖╨╡ ╨░╨▒╤Б╨╛╨╗╤О╤В╨╜╤Л╤Е ╨╕ ╨╛╤В╨╜╨╛╤Б╨╕╤В╨╡╨╗╤М╨╜╤Л╤Е ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Л╤Е ╤Б╤В╨░╨▓╨╛╨║.
╨Ю╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╕╨╡ ╤Б╨┐╤А╨╡╨┤╨░
╨Ъ╨░╨║ ╨┐╤А╨░╨▓╨╕╨╗╨╛, ╨▒╨╕╤В╤Л ╨▓ ╤Б╨╡╨║╤Г╨╜╨┤╤Г ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╤О╤В╤Б╤П ╨┤╨╗╤П ╨╛╨┐╨╕╤Б╨░╨╜╨╕╤П ╤Б╨┐╤А╨╡╨┤╨░. ╨б╨┐╤А╨╡╨┤. ╨б╨┐╤А╨╡╨┤ тАФ ╤Н╤В╨╛ ╤А╨░╨╖╨╜╨╕╤Ж╨░ ╨▓ ╤Ж╨╡╨╜╨╡, ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨╛╨╣ ╤Б╤В╨░╨▓╨║╨╡ ╨╕╨╗╨╕ ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╨╕ ╨░╨║╤Ж╨╕╨╣, ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣, ╤Д╤М╤О╤З╨╡╤А╤Б╨╜╤Л╤Е ╨║╨╛╨╜╤В╤А╨░╨║╤В╨╛╨▓, ╨╛╨┐╤Ж╨╕╨╛╨╜╨╛╨▓ ╨╕ ╨▓╨░╨╗╤О╤В╨╜╤Л╤Е ╨┐╨░╤А ╨▓ ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╤Г╤О╤Й╨╕╤Е ╨║╨╛╨╗╨╕╤З╨╡╤Б╤В╨▓╨░╤Е. ╤Ж╨╡╨╜╤Л (╨┐╤А╨╛╨┤╨░╨╢╨╕) ╨░╨║╤В╨╕╨▓╨░ ╨╕╨╗╨╕ ╤Ж╨╡╨╜╨╜╨╛╨╣ ╨▒╤Г╨╝╨░╨│╨╕. ╨Ю╨╜ ╤В╨░╨║╨╢╨╡ ╨┐╨╡╤А╨╡╨┤╨░╨╡╤В ╤А╨░╨╖╨╜╨╕╤Ж╤Г ╨▓ ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╨╕ ╨╕╨╗╨╕ ╤А╨╡╨╜╤В╨░╨▒╨╡╨╗╤М╨╜╨╛╤Б╤В╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╨╕╨╜╤Б╤В╤А╤Г╨╝╨╡╨╜╤В╨╛╨▓. ╨Т╤Л╤А╨░╨╢╨╡╨╜╨╕╨╡ ╤Б╨┐╤А╨╡╨┤╨░ ╨▓ ╨╡╨┤╨╕╨╜╨╕╤Ж╨░╤Е ╨▓ ╤Б╨╡╨║╤Г╨╜╨┤╤Г ╨┐╨╛╨╝╨╛╨│╨░╨╡╤В ╨▓ ╨┤╨╛╤Б╤В╨╛╨╣╨╜╨╛╨╝ ╨╛╨▒╤К╤П╤Б╨╜╨╡╨╜╨╕╨╕ ╨╕╨╖╨╝╨╡╨╜╨╡╨╜╨╕╤П ╤Ж╨╡╨╜╤Л.
╨з╨░╤Б╤В╨╛ ╨╖╨░╨┤╨░╨▓╨░╨╡╨╝╤Л╨╡ ╨▓╨╛╨┐╤А╨╛╤Б╤Л (╨з╨░╤Б╤В╨╛ ╨╖╨░╨┤╨░╨▓╨░╨╡╨╝╤Л╨╡ ╨▓╨╛╨┐╤А╨╛╤Б╤Л)
╨Ъ╨░╨║ ╤А╨░╤Б╤Б╤З╨╕╤В╨░╤В╤М ╨▒╨░╨╖╨╕╤Б╨╜╤Л╨╡ ╨▒╨░╨╗╨╗╤Л?
╨Ф╨╗╤П ╤А╨░╤Б╤З╨╡╤В╨░ ╨▒╨░╨╖╨╕╤Б╨╜╤Л╤Е ╨┐╤Г╨╜╨║╤В╨╛╨▓ ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А ╨┤╨╛╨╗╨╢╨╡╨╜ ╨┐╨╛╨╝╨╜╨╕╤В╤М ╤Б╤В╨░╨╜╨┤╨░╤А╤В╨╜╨╛╨╡ ╨┐╤А╨░╨▓╨╕╨╗╨╛ ╨║╨╛╨╜╨▓╨╡╤А╤В╨░╤Ж╨╕╨╕, ╤В. ╨╡. ╨╛╨┤╨╕╨╜ ╨┐╤А╨╛╤Ж╨╡╨╜╤В ╤Н╨║╨▓╨╕╨▓╨░╨╗╨╡╨╜╤В╨╡╨╜ 100 ╨▒╨░╨╖╨╕╤Б╨╜╤Л╨╝ ╨┐╤Г╨╜╨║╤В╨░╨╝. ╨Ш╤В╨░╨║, ╤Г╨╝╨╜╨╛╨╢╨╡╨╜╨╕╨╡ ╤Г╨║╨░╨╖╨░╨╜╨╜╨╛╨│╨╛ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨░ ╨╜╨░ 100 ╨┤╨░╨╡╤В ╤В╤А╨╡╨▒╤Г╨╡╨╝╤Л╨╣ ╤А╨╡╨╖╤Г╨╗╤М╤В╨░╤В. ╨Э╨░╨┐╤А╨╕╨╝╨╡╤А,
25% = 25 * 100 = 2500 ╨▒╨╕╤В/╤Б ╨╕╨╗╨╕
80% = 80 * 100 = 8000 ╨▒╨╕╤В/╤Б ╨╕ ╤В. ╨┤.
╨б╨║╨╛╨╗╤М╨║╨╛ ╨▒╨░╨╖╨╕╤Б╨╜╤Л╤Е ╨┐╤Г╨╜╨║╤В╨╛╨▓ ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В 1 ╨┐╤А╨╛╤Ж╨╡╨╜╤В?
╨б╤В╨╛ ╨▒╨░╨╖╨╕╤Б╨╜╤Л╤Е ╨┐╤Г╨╜╨║╤В╨╛╨▓ ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╤О╤В 1 ╨┐╤А╨╛╤Ж╨╡╨╜╤В. ╨Ю╨▒╤А╨░╤В╨╕╤В╨╡ ╨▓╨╜╨╕╨╝╨░╨╜╨╕╨╡, ╤З╤В╨╛ ╨╛╨┤╨╕╨╜ ╨▒╨░╨╖╨╛╨▓╨░╤П ╤В╨╛╤З╨║╨░ ╨▓ ╤Д╨╕╨╜╨░╨╜╤Б╨░╤Е ╤А╨░╨▓╨╡╨╜ 0,01%. ╨б╨╗╨╡╨┤╤Г╤П ╤Н╤В╨╛╨╝╤Г ╨┐╤А╨░╨▓╨╕╨╗╤Г,
1/100 ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨░ = 1 ╨▒.╨┐.
╨б╨╗╨╡╨┤╨╛╨▓╨░╤В╨╡╨╗╤М╨╜╨╛, 1 ╨┐╤А╨╛╤Ж╨╡╨╜╤В = 1/(1/100)
= 100 ╨▒╨╕╤В/╤Б
╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨▒╨░╨╖╨╕╤Б╨╜╤Л╨╡ ╨▒╨░╨╗╨╗╤Л ╨▓ ╨╕╨┐╨╛╤В╨╡╨║╨╡?
╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╕╨╡ ╨▒╨░╨╖╨╕╤Б╨╜╨╛╨╣ ╤В╨╛╤З╨║╨╕ ╨╛╤В╨╛╨▒╤А╨░╨╢╨░╨╡╤В ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨╛╨╡ ╨╕╨╖╨╝╨╡╨╜╨╡╨╜╨╕╨╡ ╨╡╨╢╨╡╨╝╨╡╤Б╤П╤З╨╜╤Л╤Е ╨╕ ╨│╨╛╨┤╨╛╨▓╤Л╤Е ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Л╤Е ╤Б╤В╨░╨▓╨╛╨║ ╨┐╨╛ ╨╕╨┐╨╛╤В╨╡╨║╨╡. ╨б╨╗╨╡╨┤╨╛╨▓╨░╤В╨╡╨╗╤М╨╜╨╛, ╤Н╤В╨╛, ╨▒╨╡╨╖╤Г╤Б╨╗╨╛╨▓╨╜╨╛, ╨▓╨╗╨╕╤П╨╡╤В ╨╜╨░ ╨╛╨▒╤Й╤Г╤О ╤Б╤Г╨╝╨╝╤Г ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╛╨▓, ╨┐╨╛╨┤╨╗╨╡╨╢╨░╤Й╨╕╤Е ╨▓╤Л╨┐╨╗╨░╤В╨╡. ╨н╤В╨╛ ╨┐╨╛╨╝╨╛╨│╨░╨╡╤В ╨╕╨╖╨▒╨╡╨╢╨░╤В╤М ╨┐╤Г╤В╨░╨╜╨╕╤Ж╤Л ╨╕╨╗╨╕ ╨┤╨▓╤Г╤Б╨╝╤Л╤Б╨╗╨╡╨╜╨╜╨╛╤Б╤В╨╕ ╨┐╤А╨╕ ╨╛╤Ж╨╡╨╜╨║╨╡ ╨░╨▒╤Б╨╛╨╗╤О╤В╨╜╤Л╤Е ╨╕ ╨╛╤В╨╜╨╛╤Б╨╕╤В╨╡╨╗╤М╨╜╤Л╤Е ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Л╤Е ╤Б╤В╨░╨▓╨╛╨║.
╨Э╨░╨┐╤А╨╕╨╝╨╡╤А, ╨┐╨╛╨▓╤Л╤И╨╡╨╜╨╕╨╡ ╨╜╨░ 100 ╨▒╨░╨╖╨╕╤Б╨╜╤Л╤Е ╨┐╤Г╨╜╨║╤В╨╛╨▓ ╨┐╨╛╨▓╤Л╤И╨░╨╡╤В ╤В╨╡╨║╤Г╤Й╤Г╤О ╤Б╤В╨░╨▓╨║╤Г ╨┐╨╛ ╨╕╨┐╨╛╤В╨╡╨║╨╡ ╨╜╨░ 1% (╨┤╨╛╨┐╤Г╤Б╤В╨╕╨╝, ╤Б 7% ╨┤╨╛ 8%). ╨Я╤А╨╕ ╤Н╤В╨╛╨╝ ╨┐╨░╨┤╨╡╨╜╨╕╨╡ ╨╜╨░ 100 ╨▒.╨┐. ╨╛╨╖╨╜╨░╤З╨░╨╡╤В ╨╡╨│╨╛ ╨╕╤Б╤В╨╛╤Й╨╡╨╜╨╕╨╡ ╨╜╨░ 1% (╤Б╨║╨░╨╢╨╡╨╝, ╤Б 6% ╨┤╨╛ 5%).
╨а╨╡╨║╨╛╨╝╨╡╨╜╨┤╤Г╨╡╨╝╤Л╨╡ ╤Б╤В╨░╤В╤М╨╕
╨н╤В╨╛ ╤А╤Г╨║╨╛╨▓╨╛╨┤╤Б╤В╨▓╨╛ ╨┐╨╛ ╨▒╨░╨╖╨╕╤Б╨╜╤Л╨╝ ╤В╨╛╤З╨║╨░╨╝ (BPS) ╨╕ ╨╕╤Е ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╕╤О. ╨Ь╤Л ╨╛╨▒╤К╤П╤Б╨╜╤П╨╡╨╝ ╨╡╨│╨╛ ╤А╨░╤Б╤З╨╡╤В╤Л, ╨║╨░╨║ ╨┐╤А╨╡╨╛╨▒╤А╨░╨╖╨╛╨▓╨░╤В╤М ╨╡╨│╨╛ ╨▓ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л, ╨░ ╤В╨░╨║╨╢╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╨┐╤А╨╕╨╝╨╡╤А╤Л. ╨Т╤Л ╨╝╨╛╨╢╨╡╤В╨╡ ╤Г╨╖╨╜╨░╤В╤М ╨▒╨╛╨╗╤М╤И╨╡ ╨╕╨╖ ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╕╤Е ╤Б╤В╨░╤В╨╡╨╣ тАФ
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