안녕하세요 어제 금리스왑 관련해서 질문올렸던 오유인입니다..ㅠㅠ <div><br></div> <div>설명들었는데 잘 이해가 안가는 부분이 있어 다시 질문올립니다.. 이번엔 예시까지있어요 ㅠ</div> <div><br></div> <div><p> </p><p></p> <p><span lang="en-us" style="letter-spacing:0pt;"><</span><span style="font-family:'함초롬바탕';">문제</span><span lang="en-us" style="letter-spacing:0pt;">></span></p> <p><span style="font-family:'함초롬바탕';">금리스왑과 차입금리조건</span></p> <p> </p><p></p> <table style="border-collapse:collapse;table-layout:fixed;border:.28pt solid rgb(0,0,0);"><tbody><tr><td style="width:104.88pt;height:12.82pt;padding:1.41pt 5.1pt;border:.28pt solid rgb(0,0,0);" valign="middle"> <p> </p><p></p></td> <td style="width:104.88pt;height:12.82pt;padding:1.41pt 5.1pt;border:.28pt solid rgb(0,0,0);" valign="middle"> <p><span style="font-family:'함초롬바탕';">신용등급</span></p></td> <td style="width:104.88pt;height:12.82pt;padding:1.41pt 5.1pt;border:.28pt solid rgb(0,0,0);" valign="middle"> <p><span style="font-family:'함초롬바탕';">고정금리</span></p></td> <td style="width:104.88pt;height:12.82pt;padding:1.41pt 5.1pt;border:.28pt solid rgb(0,0,0);" valign="middle"> <p><span style="font-family:'함초롬바탕';">변동금리</span></p></td></tr><tr><td style="width:104.88pt;height:12.82pt;padding:1.41pt 5.1pt;border:.28pt solid rgb(0,0,0);" valign="middle"> <p><span lang="en-us" style="letter-spacing:0pt;">A</span><span style="font-family:'함초롬바탕';">기업</span></p></td> <td style="width:104.88pt;height:12.82pt;padding:1.41pt 5.1pt;border:.28pt solid rgb(0,0,0);" valign="middle"> <p><span lang="en-us" style="letter-spacing:0pt;">bbb</span></p></td> <td style="width:104.88pt;height:12.82pt;padding:1.41pt 5.1pt;border:.28pt solid rgb(0,0,0);" valign="middle"> <p><span lang="en-us" style="letter-spacing:0pt;">7.00%</span></p></td> <td style="width:104.88pt;height:12.82pt;padding:1.41pt 5.1pt;border:.28pt solid rgb(0,0,0);" valign="middle"> <p><span lang="en-us" style="letter-spacing:0pt;">LIBOR+0.5%</span></p></td></tr><tr><td style="width:104.88pt;height:12.82pt;padding:1.41pt 5.1pt;border:.28pt solid rgb(0,0,0);" valign="middle"> <p><span lang="en-us" style="letter-spacing:0pt;">B</span><span style="font-family:'함초롬바탕';">은행</span></p></td> <td style="width:104.88pt;height:12.82pt;padding:1.41pt 5.1pt;border:.28pt solid rgb(0,0,0);" valign="middle"> <p><span lang="en-us" style="letter-spacing:0pt;">aaa</span></p></td> <td style="width:104.88pt;height:12.82pt;padding:1.41pt 5.1pt;border:.28pt solid rgb(0,0,0);" valign="middle"> <p><span lang="en-us" style="letter-spacing:0pt;">6.25%</span></p></td> <td style="width:104.88pt;height:12.82pt;padding:1.41pt 5.1pt;border:.28pt solid rgb(0,0,0);" valign="middle"> <p><span lang="en-us" style="letter-spacing:0pt;">LIBOR+0.25%</span></p></td></tr><tr><td style="width:104.88pt;height:12.82pt;padding:1.41pt 5.1pt;border:.28pt solid rgb(0,0,0);" valign="middle"> <p><span style="font-family:'함초롬바탕';">금리격차</span><span lang="en-us" style="letter-spacing:0pt;">(A-B)</span></p></td> <td style="width:104.88pt;height:12.82pt;padding:1.41pt 5.1pt;border:.28pt solid rgb(0,0,0);" valign="middle"> <p> </p><p></p></td> <td style="width:104.88pt;height:12.82pt;padding:1.41pt 5.1pt;border:.28pt solid rgb(0,0,0);" valign="middle"> <p><span lang="en-us" style="letter-spacing:0pt;">0.75%</span></p></td> <td style="width:104.88pt;height:12.82pt;padding:1.41pt 5.1pt;border:.28pt solid rgb(0,0,0);" valign="middle"> <p><span lang="en-us" style="letter-spacing:0pt;">0.25%</span></p></td></tr></tbody></table><p> </p><p></p> <p><span style="font-family:'함초롬바탕';">비교우위 </span><span lang="en-us" style="letter-spacing:0pt;">: B</span><span style="font-family:'함초롬바탕';">은행 </span><span lang="en-us" style="letter-spacing:0pt;">: </span><span style="font-family:'함초롬바탕';">고정금리</span><span lang="en-us" style="letter-spacing:0pt;">, A</span><span style="font-family:'함초롬바탕';">기업</span><span lang="en-us" style="letter-spacing:0pt;">: </span><span style="font-family:'함초롬바탕';">변동금리</span></p> <p> </p><p></p> <p><span style="font-family:'함초롬바탕';">조달금리</span></p> <p><span lang="en-us"> </span><span lang="en-us" style="letter-spacing:0pt;">- A</span><span style="font-family:'함초롬바탕';">기업</span><span lang="en-us" style="letter-spacing:0pt;">: 6.40% + (LIBOR+0.50%) - (LIBOR+0.10%)</span></p> <p><span lang="en-us"> </span><span lang="en-us" style="letter-spacing:0pt;">- B</span><span style="font-family:'함초롬바탕';">은행</span><span lang="en-us" style="letter-spacing:0pt;">: (LIBOR+0.10%) + 6.25% - 6.40% = LIBOR </span><span style="font-family:'함초롬바탕';letter-spacing:0pt;">– </span><span lang="en-us" style="letter-spacing:0pt;">0.05%</span></p> <p> </p><p></p> <p><span style="font-family:'함초롬바탕';">차입금리 절감액</span></p> <p><span lang="en-us"> </span><span lang="en-us" style="letter-spacing:0pt;">- A</span><span style="font-family:'함초롬바탕';">기업</span><span lang="en-us" style="letter-spacing:0pt;">: 7.00% - 6.80% = 0.20</span></p> <p><span lang="en-us"> </span><span lang="en-us" style="letter-spacing:0pt;">- B</span><span style="font-family:'함초롬바탕';">은행</span><span lang="en-us" style="letter-spacing:0pt;">: (LIBOR+0.25%) - (LIBOR-0.05%) = 0.30%</span></p> <p><span lang="en-us" style="letter-spacing:0pt;"><br></span></p> <p><span lang="en-us" style="letter-spacing:0pt;"><br></span></p> <p>{질문입니다}</p> <p><br></p> <p>여기서 6.40%는 어디서 나온 값인가요... LIBOR+0.10%도 어디서 나온값인가요... </p> <p><br></p> <p>감사합니다~</p></div>
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