方案1资金成本=0.30*0.08+0.20*0.10+0.1*0.12+0.4*0.16=12% 方案2资金成本=0.10*0.08+0.30*0.10+0.60*0.16=13.4% 方案3资金成本=0.50*0.08+0.10*0.10+0.10*0.12+0.30*0.16=11%