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鍗曞埄鐨勯瓍鍔?/p>
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鍏紡锛?/p>
鈻冲浘鐗囬槄瑙?/p>
[ A = P(1 + rt) ]
- (A) 鏄埌鏈熼噾棰濓紱
- (P) 鏄湰閲戯紙鍒濆鎶曞叆鐨勯挶锛夛紱
鈻冲浘鐗囬槄瑙?/p>
- (r) 鏄勾鍒╃巼锛堟敞鎰忔槸鍗佽繘鍒跺舰寮忥級锛?/p>
- (t) 鏄椂闂达紙鎸夊勾鏉ョ畻锛夈€?/p>
涓句釜渚嬪瓙鍚э紝鍋囪浣犲瓨鍏ラ摱琛?000鍧楅挶锛屽勾鍒╃巼涓?%锛屼竴骞村悗浣犱細鏈夊灏戦挶锛熸牴鎹笂闈㈤偅涓叕寮忥細
鈻冲浘鐗囬槄瑙?/p>
[ A = 1000(1 + 0.05 times 1) = 1050 ]
鐪嬪惂锛屽氨杩欎箞绠€鍗曟槑浜嗭紒
澶嶅埄鐨勫姏閲?/p>
鎺ヤ笅鏉ヨ疆鍒扳€滃鍒┾€濈櫥鍦哄暒锛佸鏋滆鍗曞埄鍍忔槸鐩寸嚎鍓嶈繘鐨勮瘽锛岄偅澶嶅埄灏卞儚鏄潗涓婁簡鐏涓€鏍凤紝澧為暱閫熷害瓒婃潵瓒婂揩銆?/p>
[ A = P(1 + r/n)^{nt} ]
- (A) 杩樻槸鍒版湡閲戦锛?/p>
- (P) 鍜?(r) 鐨勬剰鎬濅笉鍙橈紝杩樻槸鏈噾鍜屽勾鍒╃巼锛?/p>
- (n) 琛ㄧず姣忓勾璁＄畻鍒╂伅鐨勬鏁帮紙姣斿姣忔湀涓€娆★紝閭ｄ箞 (n=12)锛夛紱
- (t) 鍚屾牱琛ㄧず鏃堕棿锛堝勾鏁帮級銆?/p>
鍐嶆潵鐪嬩竴涓緥瀛愶紝濡傛灉杩樻寜鐓у垰鎵嶇殑鏉′欢锛屼絾鏄幇鍦ㄩ噰鐢ㄧ殑鏄鍒╂柟寮忥紝骞朵笖姣忓崐骞存敮浠樹竴娆″埄鎭紝缁撴灉浼氭€庢牱锛?/p>
[ A = 1000(1 + 0.05/2)^{2times1} approx 1050.63 ]
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鎬荤粨涓€涓?/p>
閫氳繃瀵规瘮鎴戜滑鍙互鍙戠幇锛屽湪鐩稿悓鏉′欢涓嬶紝澶嶅埄姣斿崟鍒╂洿鑳借浣犵殑閽辩敓閽憋紝杩欏氨鏄负浠€涔堝ぇ瀹堕兘璇粹€滃鍒╂槸涓栫晫涓婃渶浼熷ぇ鐨勫彂鏄庝箣涓€鈥濄€?/p>
濂戒簡锛屼粖澶╃殑鍒嗕韩灏卞埌杩欓噷銆傚笇鏈涘ぇ瀹堕兘鑳界伒娲昏繍鐢ㄨ繖浜涚煡璇嗭紝璁╄嚜宸辩殑璐㈠瘜涓嶆柇澧炲€煎惂锛佸埆蹇樹簡缁忓父澶嶄範涓€涓嬭繖涓や釜鍏紡锛屾瘯绔熺啛鑳界敓宸у槢锝炰笅娆¤锛侌煈?/p>
鎵╁睍闃呰锛?/p>
