һ
10Ԫ˵512
ţ10ԪУҲ3%һϢ3ǧ飬5Ϣ1.512㻹5ǧȻǽĺá
֪ʶͯЬ֣̾
֪֪ҪǮǮø㣬϶㡣
No. No. No.
3%5긴ֵҲ115927ֻȵ927Ԫ
ǻǽĺã
Щͨ͵һֱڱֵÿͨ3.5%100Ԫֻ൱50ԪĹҲʲôʱ룿
ƲƷӯӯ˫ӯӯʶ5%Ӧһã
ܶ˶ĸôӦãȴˡ
˾ἰĸҪءʱͶʻرʡ⣬껹ӰĵĸҪءĻԸӦ˼ܡ
ҪЩѧ֪ʶӰ⡣ѧûȤͯЬֱ5ΡĴ𰸡
1. ʲôǵ
Ҫסȵ˽⡰ΪʵǶϡ
νһǮ۴ãֻбϢ
ϢI=PV ʣRn t
磬103%5
Ϣ = 10 x 3% x 5 = 1.5
ֵΪ 10+1.5 = 11.5
ʣRnʡһ꣬Ϣ㣬50죬50/365; һ¾1/12һȾ1/4
103%80黹
Ϣ = 100,000 x 3% x 80/365 =657.53(Ԫ)
2. ʲôǸ
ӢǡCompound Interest. ˹̹˵ôһƽΪĻڰ˴漣֪֪֮֮߱
νɱϢ⣬µõϢһͬϢ׳ơ
磬10Ԫ3%5,
һϢ = 100,000 x 3% = 3,000Ԫ
ڶϢ = 103,000 x 3% = 3,090Ԫ
Ϣ = 106,090 x 3% =3,182.7Ԫ
Ϣ = 109,272.7x 3% = 3,278.18Ԫ
Ϣ = 112,550.88 x 3% = 3,376.53Ԫ
ֵ112,550.88+3,376.53=115,927.41Ԫ
ͯЬ־ˣ̫鷳ˡѵ20ꡢ30꣬Ҳôһһȥ
Ȼûôɵͨùʽ£
ƸδֵFV = PV x (1+ ʣRn)^t
Ű汾FV = PV x (1+Rn)^t
עʽtΪη
10Ԫ3%5,
ֵ = 100,000 x (1 + 3%)^5 = 115,927.41Ԫ
ֱҵֱܶؼֵֵܳСdz㡣
3. Ӱ츴Ĵ
ͯЬܾɥ꣬ȵŶ927Ԫʲôڰ˴漣
ȱһ£
γʱҹУʦ˵ÿ1.4Ԫ20%40ԺܳΪ̡ γ˴Ŭʵճɻ
ͯЬȸԾÿ1.4Ԫһ²ֻҪ1167飿ÿܴ࣡ѵ40꣬Ҳ̣ܳ
ǸЧ
Ϊʲô10飬5ֻ927Ԫÿ1.440Ҳ56ܳɾ̣
ٿһ¹ʽ
ƸδֵFV = PV x (1+ ʣRn)^t
ӰFVֵģأ
1𣺱ԽߣδƸԽߡ
ȻҲ
2ʣԽߣδƸԽ
ѣҲǺܶ˾ø˵ĵطҶ20%Ļرȴʮÿ20%رжѡ
3ݣʱԽδƸԽ
ʮ꣬ЧԡֻܶǮ棬ֵ˳ɼҵΣԽԽأͷˡǣҪЧͱ㹻ʱ䣬ԽЧԽ
ҪأÿһصЩܴӿƸٶȡͷֵģֱ
ͬԸΪ
* ԭ10Ԫ3%5, ȵ927Ԫ.
a. 100 3%5
ֵ = 1,000,000 + 1,000,000 x 3% x 5 = 150,000Ԫ
ֵ = 1,000,000 x (1 + 3%)^5 = 1,159,274Ԫ
ȵԼ9,000Ԫ
b. 10 20% 5
ֵ = 100,000 +100,000 x 20% x 5 = 200,000Ԫ
ֵ = 100,000 x (1 + 20%)^5 = 248,832 Ԫ
ȵԼ48,832Ԫ
c. 103%ʱӳ30ꡣ
ֵ = 100,000 + 100,000 x 3% x 30 = 190,000Ԫ
ֵ = 100,000 x (1 + 3%)^30 = 242,726 Ԫ
ȵԼ52,726Ԫ
d. ضһЩ: 20Ԫ8%30
ֵ = 200,000 + 200,000 x 8% x 30 = 680,000Ԫ
ֵ = 200,000 x (1 + 8%)^30 = 2,012,531
20201
ȵԼ153Ԫ
ѧͯЬʣ꣬㲻˵Ĵص𣿹ʽֻĸ
4ÿϢ
뵥IJ֮ͬϢҲܲϢôϢյԽ磬Խ翪ʼ
ûϡÿϢӺĹʽΪ
Ƹδֵ FV = PV x (1 + Rn/ÿϢm)^ÿϢm*t
ŰΪFV = PV x (1 + Rn/m)^m*t
עʽm*tΪη
ң20Ԫÿ½һϢÿϢ8%/128%12νᣩ30ꡣ
ֵ = 200,000 + 200,000 x 8% x 30 = 680,000Ԫ
ֵ = 200,000 x (1 + 8%/12)^12*30= 2,187,146Ԫ
ʱ仹30꣬˵ĸӺȸոյĸֵ17.46
ȻϢܴôջDzÿһϢãÿÿ붼һϢDzǾͻܶܶࣿ
ÿϢӽεĸʽΪ
ʱʽΪ(üǹʽֱӿͳ)
Ƹδֵ FV = PV x Ȼָ^Rn*t
ŰΪFV = PV x e^Rn*t
㣬ѧҷ֣һ¼һϢһһβ࣬ĽҲࡣ
ԣһÿ¼һϢš
4. Ӧá72
⣬ͨͺұֵij̶ȡ
ѧһ72ԸΪԭԹͶʷұֵҪʱġ
1ͶʷҪʱ
10ԪϢ8%ʲôʱܷ20
ʽ72 / 8 ʣ= 9
Ҳǣÿ8%øķʽҪ9ʱ䣬10Ԫ20Ԫ
2ұֵҪʱ
10Ԫÿͨ3.5%㣬ʲôʱ10ԪĹֻ൱5أ
ʽ72 / 3.5 ͨʣ= 20.57
5. Ĵ
صһʼ⣬øԭ
1һ10Ԫ˵512費裿
ݸĹʽرΪ8.2%ʱ5ջ150,471.80Ԫ
ǸأͶȷ8.2%ǾԼͶʰɡ
2ÿͨ3.5%ʱΪ20.57ꡣ
3ƲƷһÿ½һεš
6. ܽ
γϵʦ˵ÿ´1000Ԫ40ܳΪ̡ǰÿͶʻرҪ20%
Ҫɥ֪˸ĸӰأ֪˽ӽ̵ķ̣ȴŬһ£ǧ̡
ÿǴ3,000ԪÿͶʻر8%ÿ½һΣ40㽫õ10,545,843.65Ԫٰǧ
ͨʣֱ3.5%ͨʣ20ͻṺ룬40ټ롣
ôأ
סأǮѧϰͶʡһֱȥԽãջԽࡣ
лУǵÿ½ϢŶÿ£ҲȡÿȻÿꡣ
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