銆€銆€涓夈€佸偟鍒哥殑鏀剁泭鐜�$lesson$

銆€銆€鍚京鍒版湡鏀剁泭鐜囨槸鎸囦互鐗瑰畾鍍�(ji脿)鏍艰臣璨峰偟鍒稿苟鎸佹湁鑷冲埌鏈熸棩鎵€鑳界嵅寰楃殑鏀剁泭鐜�锛屽嵆鏄娇鏈締鐝�(xi脿n)閲戞祦鍏ョ従(xi脿n)鍊肩瓑浜庡偟鍒歌臣鍏ュ児(ji脿)鏍肩殑璨肩従(xi脿n)鐜�銆�

銆€銆€瑷�(j矛)绠楁柟娉曚娇鐢ㄥ偟鍒稿児(ji脿)鍊肩殑瑷�(j矛)绠楀叕寮�锛屽皣鍌靛埜鍍�(ji脿)鍊兼敼鐐哄凡鐭ョ殑璨峰児(ji脿)锛屽€掓眰鎶樼従(xi脿n)鐜囧嵆鍙�銆�

銆€銆€鎳�(y墨ng)鐢ㄧ暥(d膩ng)鍌靛埜鐨勫埌鏈熸敹鐩婄巼鈮ュ繀瑕佸牨(b脿o)閰巼(鎴栧競鍫村埄鐜�)鏅�(sh铆)锛屾噳(y墨ng)璩艰卜鍌靛埜;鍙嶄箣锛屼笉鎳�(y墨ng)璩艰卜鍌靛埜銆�

銆€銆€瑾槑骞冲児(ji脿)璩艰卜鐨勬瘡骞翠粯鎭竴娆＄殑鍌靛埜鐨勫埌鏈熸敹鐩婄巼绛変簬绁ㄩ潰鍒╃巼;婧㈠児(ji脿)璩艰卜鐨勬瘡骞翠粯鎭竴娆＄殑鍌靛埜鐨勫埌鏈熸敹鐩婄巼浣庝簬绁ㄩ潰鍒╃巼;鎶樺児(ji脿)璩艰卜鐨勬瘡骞翠粯鎭竴娆＄殑鍌靛埜鐨勫埌鏈熸敹鐩婄巼楂樹簬绁ㄩ潰鍒╃巼銆�

銆€銆€銆愪緥5-8銆�

銆€銆€ABC鍏徃20脳1骞�2鏈�1鏃ョ敤骞冲児(ji脿)璩艰卜涓€寮甸潰椤嶇偤1 000鍏冪殑鍌靛埜锛屽叾绁ㄩ潰鍒╃巼鐐�8%锛屾瘡骞�2鏈�1鏃ヨ▓(j矛)绠楀苟鏀粯涓€娆″埄鎭�锛屽苟浜�5骞村悗鐨�1鏈�31鏃ュ埌鏈熴€傝┎鍏徃鎸佹湁瑭插偟鍒歌嚦鍒版湡鏃�锛岃▓(j矛)绠楀叾鍒版湡鏀剁泭鐜�銆�

銆€銆€1000=80脳(p/A锛宨锛�5)+1000脳(p/F锛宨锛�5)

銆€銆€瑙ｈ┎鏂圭▼瑕佺敤鈥滆│瑾ゆ硶鈥濄€�

銆€銆€鐢╥=8%瑭︾畻锛�

銆€銆€80脳(p/A锛�8%锛�5)+1 000脳(p/F锛�8%, 5)=80脳3.9927+1000脳0.6806=1000(鍏�)

銆€銆€鍙锛屽钩鍍�(ji脿)璩艰卜鐨勬瘡骞翠粯鎭竴娆＄殑鍌靛埜鐨勫埌鏈熸敹鐩婄巼绛変簬绁ㄩ潰鍒╃巼銆�

銆€銆€濡傛灉鍌靛埜鐨勫児(ji脿)鏍奸珮浜庨潰鍊硷紝鍓囨儏娉佸皣鐧�(f膩)鐢熻畩鍖�銆備緥濡傦紝璨峰児(ji脿)鏄�1105鍏�锛屽墖锛�

銆€銆€1105=80脳(p/A锛宨锛�5)+1000脳(p/s锛宨锛�5)

銆€銆€閫氶亷鍓嶉潰瑭︾畻宸茬煡锛宨=8%鏅�(sh铆)绛夊紡鍙虫柟鐐�1 000鍏�锛屽皬浜�1105锛屽彲鍒ゆ柗鏀剁泭鐜囦綆浜�8%锛岄檷浣庢姌鐝�(xi脿n)鐜囬€�(j矛n)涓€姝ヨ│绠楋細

銆€銆€鐢╥=6%瑭︾畻锛�

銆€銆€80脳(p/A锛�6%锛�5)+1 000脳(p/F锛�6%锛�5)=80脳4.212+1000脳0.747=1083.96(鍏�)

銆€銆€鐢变簬鎶樼従(xi脿n)绲�(ji茅)鏋滀粛灏忎簬1 105锛岄倓鎳�(y墨ng)閫�(j矛n)涓€姝ラ檷浣庢姌鐝�(xi脿n)鐜�銆傜敤i=4%瑭︾畻锛�

銆€銆€80 脳(p/A锛�4%锛�5)+1 000脳(p/F锛�4%锛�5)=80脳4.452+1000脳0.822=1178.16(鍏�)

銆€銆€鎶樼従(xi脿n)绲�(ji茅)鏋滈珮浜�1105锛屽彲浠ュ垽鏂�锛屾敹鐩婄巼楂樹簬4%銆傜敤鎻掕(b菙)娉曡▓(j矛)绠楄繎浼煎€硷細

銆€銆€寰炴渚嬪彲浠ョ湅鍑�锛屽鏋滆卜鍍�(ji脿)鍜岄潰鍊间笉绛�锛屽墖鏀剁泭鐜囧拰绁ㄩ潰鍒╃巼涓嶅悓銆�

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