绗洓绔犵涓€绡€(ji茅)銆€璩囬噾鐨勬檪闁撳児鍊煎強鍏惰▓(j矛)绠�

涓€銆佸柈闋�(xi脿ng)閬告搰椤�

1銆侀亱(y霉n)鐢ㄧ従(xi脿n)閲戞祦閲忓湒鍙互鍏ㄩ潰銆佸舰璞�銆佺洿瑙€鍦拌〃绀虹従(xi脿n)閲戞祦閲忕殑涓夎绱狅細(銆€)銆�

A銆佽硣閲戞暩(sh霉)椤嶃€佹柟鍚�銆佹湡闁�

B銆佽硣閲戞暩(sh霉)椤�銆佹祦鍏�銆佹檪闁撻粸(di菐n)

C銆佸ぇ灏�銆佹祦鍑恒€佹檪闁撴

D銆佸ぇ灏忋€佹柟鍚�銆佹檪闁撻粸(di菐n)

2銆佽硣閲戞槸鍏锋湁鏅傞枔鍍瑰€肩殑锛岀敤渚嗚　閲忚硣閲戞檪闁撳児鍊肩殑绲曞皪灏哄害鏄�(銆€)銆�

A銆佸埄鎭�

B銆佸埄娼�

C銆佸埄鐜�

D銆佹(j墨)鏈冩垚鏈�

3銆佹煇鍏徃鍚戦妧琛屽€熸锛岃哺娆惧勾鍒╃巼鐐�6%銆傜涓€骞村垵鍊熸200钀厓锛屾瘡骞磋▓(j矛)鎭竴娆�;绗簩骞存湯鍙堝€熸100钀厓锛屾瘡鍗婂勾瑷�(j矛)鎭竴娆�锛屽叐绛嗗€熸鍧囧湪绗�3骞存湯閭勬湰浠樻伅锛屽墖寰�(f霉)鏈埄鍜岀偤(銆€)钀厓銆�

A銆�324.54

B銆�331.10

C銆�331.28

D銆�344.29

4銆佹煇闋�(xi脿ng)鐩缓瑷�(sh猫)鏈熺偤3骞达紝寤鸿ō(sh猫)鏈熷収(n猫i)姣忓勾骞村垵璨告鍒嗗垾鐐�300钀厓銆�400钀厓鍜�500钀厓锛屽勾鍒╃巼鐐�8%銆傝嫢鍦ㄩ亱(y霉n)鐕熸湡绗�5骞存湯涓€娆℃€у劅閭勮哺娆撅紝鍓囨噳(y墨ng)鍎熼倓鐨勬湰鍒╁拰鐐�(銆€)钀厓銆�

A銆�1576.63

B銆�2034.25

C銆�2098.49

D銆�2308.34

5銆佸悓涓€绛嗗€熸锛屽湪鍒╃巼鍜岃▓(j矛)鎭懆鏈熷潎鐩稿悓鐨勬儏娉佷笅锛岀敤寰�(f霉)鍒╄▓(j矛)绠楀嚭鐨勫埄鎭噾椤嶆暩(sh霉)鍜岀敤鍠埄瑷�(j矛)绠楀嚭鐨勫埄鎭噾椤嶆暩(sh霉)姣旇純(銆€)銆�

A銆佸墠鑰呮瘮鍚庤€呭皬

B銆佸墠鑰呮瘮鍚庤€呭ぇ

C銆佸叐鑰呯浉绛�

D銆佷笉鑳界⒑瀹�

6銆佸奖闊胯硣閲戠瓑鍊肩殑闂�(gu膩n)閸靛洜绱犳槸(銆€)銆�

A銆佽硣閲戠殑澶氬皯

B銆佽硣閲戠櫦(f膩)鐢熺殑鏅傞枔

C銆佸€熻哺璩囨湰鐨勪緵姹傛儏娉�

D銆佹姌鐝�(xi脿n)鐜�

7銆佷笅鍒楀皪浜庤硣閲戠瓑鍊肩殑鎻忚堪涓嶆纰虹殑鏄�(銆€)銆�

A銆佸父鐢ㄧ殑绛夊€艰▓(j矛)绠楁柟娉曚富瑕佸寘鎷竴娆℃敮浠樺拰绛夐鏀粯

B銆侀噾椤嶇浉鍚岀殑璩囬噾鐧�(f膩)鐢熷湪涓嶅悓鏅傞枔锛屾渻鐢�(ch菐n)鐢熺浉鍚岀殑鍍瑰€兼檪绛夊€肩殑楂旂従(xi脿n)

C銆佷笉鍚屾檪榛�(di菐n)绲曞皪鍊间笉绛夌殑璩囬噾鍦ㄦ檪闁撳児鍊肩殑浣滅敤涓嬪彲鑳藉叿鏈夌浉绛夌殑鍍瑰€�

D銆侀ⅷ(f膿ng)闅�(xi菐n)瓒婂ぇ锛屽埄鐜囦篃灏辫秺楂�

8銆佹煇鏂藉伐浼佹キ(y猫)鍚戦妧琛屽€熸300钀厓锛屾湡闄�2骞�锛屽勾鍒╃巼6.8%锛屽崐骞村京(f霉)鍒╄▓(j矛)鎭竴娆�銆傜浜屽勾鏈倓鏈粯鎭紝鍓囧埌鏈熶紒妤�(y猫)闇€鏀粯绲﹂妧琛岀殑鍒╂伅鐐�(銆€)钀厓銆�

A銆�42.94

B銆�42.95

C銆�42.93

D銆�42.91

9銆佹煇鍏徃寰為妧琛屽€熸5000钀厓锛屽勾寰�(f霉)鍒╃巼i=10%锛岃│鍟�5骞村悗涓€娆￠渶鏀粯鏈埄鍜�(銆€)钀厓銆�

A銆�6052.56

B銆�7320.50

C銆�7551.65

D銆�8052.55

10銆佹煇浼佹キ(y猫)绗�1骞村勾鍒濆拰绗�1骞村勾鏈垎鍒ュ悜閵€琛屽€熸30钀厓锛屽勾鍒╃巼鍧囩偤10%锛屽京(f霉)鍒╄▓(j矛)鎭�锛岀3锝�5骞村勾鏈瓑椤嶆湰鎭劅閭勫叏閮ㄥ€熸銆傚墖姣忓勾骞存湯鎳�(y墨ng)鍎熼倓閲戦鐐�(銆€)銆�

A銆�20.94

B銆�23.03

C銆�27.87

D銆�31.57

11銆佹煇浼佹キ(y猫)绗�1鑷�5骞存瘡骞村垵绛夐鎶曡硣锛屽勾鏀剁泭鐜囩偤10%锛屾寜寰�(f霉)鍒╄▓(j矛)鎭�锛岃┎浼佹キ(y猫)鑻ユ兂鍦ㄧ5骞存湯涓€娆℃€у洖鏀舵姇璩囨湰鎭�1000钀厓锛屾噳(y墨ng)鍦ㄦ瘡骞村垵鎶曡硣(銆€)钀厓銆�

A銆�124.18

B銆�148.91

C銆�163.80

D銆�181.82

12銆佺暥(d膩ng)骞村悕缇╁埄鐜囦竴瀹氭檪锛屾瘡骞寸殑瑷�(j矛)绠楁湡鏁�(sh霉)瓒婂锛屽墖骞存湁鏁堝埄鐜�(銆€)銆�

A銆佽垏骞村悕缇╁埄鐜囩殑宸€艰秺澶�

B銆佽垏骞村悕缇╁埄鐜囩殑宸€艰秺灏�

C銆佽垏瑷�(j矛)鎭湡鍒╃巼鐨勫樊鍊艰秺灏�

D銆佽垏瑷�(j矛)鎭湡鍒╃巼鐨勫樊鍊艰定浜庡父鏁�(sh霉)

13銆佸勾鍒╃巼8%锛屾寜瀛ｅ害寰�(f霉)鍒╄▓(j矛)鎭紝鍓囧崐骞存湡瀵�(sh铆)闅涘埄鐜囩偤(銆€)銆�

A銆�4.00%

B銆�4.04%

C銆�4.07%

D銆�4.12%

浜�銆佸闋�(xi脿ng)閬告搰椤�

1銆侀棞(gu膩n)浜庣従(xi脿n)閲戞祦閲忓湒绻埗瑕�(gu墨)鍓囩殑瑾硶锛屾纰虹殑鏈�(銆€)銆�

A銆佹┇杌哥偤鏅傞枔杌�锛屾暣鍊嬫┇杌歌〃绀虹稉(j墨ng)婵�(j矛)绯荤当(t菕ng)澹藉懡鏈�

B銆佹┇杌哥殑璧烽粸(di菐n)琛ㄧず鏅傞枔搴忓垪绗竴鏈熸湡鏈�

C銆佹┇杌镐笂姣忎竴闁撻殧浠ｈ〃涓€鍊嬭▓(j矛)鎭懆鏈�

D銆佽垏姗桓鐩搁€ｇ殑鍨傜洿绠窔浠ｈ〃涓嶅悓鏅傞粸(di菐n)鐨勭従(xi脿n)閲戞祦鍏ユ垨鐝�(xi脿n)閲戞祦鍑�

E銆佸瀭鐩寸绶氱殑闀风煭鎳�(y墨ng)楂旂従(xi脿n)鍚勬檪榛�(di菐n)鐝�(xi脿n)閲戞祦閲忕殑澶у皬

2銆佷笅鍒楅棞(gu膩n)浜庤硣閲戞檪闁撳児鍊肩殑瑾硶姝ｇ⒑鐨勬湁(銆€)銆�

A銆佸埄鐜囨按骞充竴鑸兘浣庝簬绀炬渻骞冲潎鍒╂饯鐜�

B銆佹檪闁撳児鍊兼槸璩囬噾鍦ㄧぞ鏈冨啀鐢熺敘(ch菐n)閬庣▼涓墍鐢�(ch菐n)鐢熺殑澧炲€�

C銆侀噾铻嶅競鍫翠笂鍊熻哺璩囨湰渚涢亷浜庢眰鏅傦紝璩囬噾鐨勬檪闁撳児鍊肩巼(鍒╃巼)涓婂崌

D銆佸皪浜庡湅瀹堕紦鍕电櫦(f膩)灞曠殑琛屾キ(y猫)锛屽埄鐜囦竴鑸畾寰楄純浣�

E銆佹檪闁撳児鍊兼槸灏嶈硣閲戞(j墨)鏈冩垚鏈殑琛￠噺

3銆佷笅鍒楅伕闋�(xi脿ng)涓�锛屽爆浜庡奖闊胯硣閲戠瓑鍊肩殑涓昏鍥犵礌鏈�(銆€)銆�

A銆佽硣閲戠殑澶氬皯

B銆佽硣閲戠櫦(f膩)鐢熺殑鏅傞枔

C銆佸€熻哺璩囨湰鐨勪緵姹傛儏娉�

D銆佸埄鐜�

E銆佹姌鐝�(xi脿n)鐜�

4銆佹煇闋�(xi脿ng)鐩殑鐝�(xi脿n)閲戞祦閲忓涓嬪湒鎵€绀�锛屽墖涓嬪垪绛夋槸姝ｇ⒑鐨勬湁(銆€)銆�

A銆丳=-30(P/A锛宨锛�3)+40(P/F锛宨锛�4)+60(P/A锛宨锛�5)(P/F锛宨锛�5)

B銆丳=-30(P/A锛宨锛�4)(1+i)+40(P/F锛宨锛�4)+60(P/A锛宨锛�6)(P/F锛宨锛�4)

C銆丳=-30-30(P/A锛宨锛�3)+40(P/F锛宨锛�4)+60(P/A锛宨锛�10)

D銆丳=-30-30(P/A锛宨锛�3)+40(P/F锛宨锛�4)+60(P/A锛宨锛�5)(P/F锛宨锛�5)

E銆丳=-30-30(P/A锛宨锛�3)+40(P/F锛宨锛�4)+60(P/A锛宨锛�6)(P/F锛宨锛�4)

绛旀閮ㄥ垎

涓€銆佸柈闋�(xi脿ng)閬告搰椤�

1銆�

銆愭纰虹瓟妗堛€� D

銆愮瓟妗堣В鏋愩€� 鏈鑰冩煡鐨勬槸鐝�(xi脿n)閲戞祦閲忓拰璩囬噾鐨勬檪闁撳児鍊�?锛孎(xi脿n)閲戞祦閲忕殑涓夎绱狅細澶у皬(璩囬噾鏁�(sh霉)椤�)銆佹柟鍚�(璩囬噾娴佸叆鎴栨祦鍑�)鍜屼綔鐢ㄩ粸(di菐n)(璩囬噾娴佸叆鎴栨祦鍑虹殑鏅傞枔榛�(di菐n))銆傚弮瑕嬫暀鏉怭152銆�

2銆�

銆愭纰虹瓟妗堛€� A

銆愮瓟妗堣В鏋愩€� 鏈鑰冩煡鐨勬槸鐝�(xi脿n)閲戞祦閲忓拰璩囬噾鐨勬檪闁撳児鍊笺€傚埄鎭槸璩囬噾鏅傞枔鍍瑰€肩殑涓€绋噸瑕佽〃鐝�(xi脿n)褰㈠紡锛岀敋鑷冲彲浠ョ敤鍒╂伅浠ｈ〃璩囬噾鐨勬檪闁撳児鍊�銆傞€氬父锛岀敤鍒╂伅浣滅偤琛￠噺璩囬噾鏅傞枔鍍瑰€肩殑绲曞皪灏哄害锛岀敤鍒╃巼浣滅偤琛￠噺璩囬噾鏅傞枔鍍瑰€肩殑鐩稿皪灏哄害銆傚弮瑕嬫暀鏉怭153銆�

3銆�

銆愭纰虹瓟妗堛€� D

銆愮瓟妗堣В鏋愩€� 鏈鑰冩煡鐨勬槸鍒╂伅瑷�(j矛)绠楁柟娉曘€傛牴鎿�(j霉)涓€娆℃敮浠樼祩鍊煎叕寮忎互鍙婃瘡骞�銆佹瘡鍗婂勾瑷�(j矛)鎭殑宸暟锛屽叐绛嗗€熸鍦ㄧ3骞存湯鎳�(y墨ng)鍎熼倓鐨勬湰鍒╁拰(F)=200(1+6%)3+100(1+3%)2=344.29(钀厓)銆傚弮瑕嬫暀鏉怭154銆�

4銆�

銆愭纰虹瓟妗堛€� B

銆愮瓟妗堣В鏋愩€� 鏈鑰冩煡鐨勬槸鍒╂伅瑷�(j矛)绠楁柟娉�銆俒300×(1+8%)3+400×(1+8%)2+500×(1+8%)]×(1+8%)5=2034.25(钀厓)銆傚弮瑕嬫暀鏉怭155銆�

5銆�

銆愭纰虹瓟妗堛€� B

銆愮瓟妗堣В鏋愩€� 鏈鑰冩煡鐨勬槸鍒╂伅瑷�(j矛)绠楁柟娉�銆傚悓涓€绛嗗€熸锛屽湪鍒╃巼鍜岃▓(j矛)鎭懆鏈熷潎鐩稿悓鐨勬儏娉佷笅锛岀敤寰�(f霉)鍒╄▓(j矛)绠楀嚭鐨勫埄鎭噾椤嶆暩(sh霉)姣旂敤鍠埄瑷�(j矛)绠楀嚭鐨勫埄鎭噾椤嶅ぇ銆傚弮瑕嬫暀鏉怭155銆�

6銆�

銆愭纰虹瓟妗堛€� D

銆愮瓟妗堣В鏋愩€� 鏈鑰冩煡鐨勬槸褰遍熆璩囬噾绛夊€肩殑鍥犵礌銆傚奖闊胯硣閲戠瓑鍊肩殑鍥犵礌鏈変笁鍊嬶細璩囬噾鐨勫灏�銆佽硣閲戠櫦(f膩)鐢熺殑鏅傞枔銆佸埄鐜�(鎴栨姌鐝�(xi脿n)鐜�)鐨勫ぇ灏�銆傚叾涓�锛屽埄鐜囨槸涓€鍊嬮棞(gu膩n)閸靛洜绱狅紝鍦ㄧ瓑鍊艰▓(j矛)绠椾腑锛屼竴鑸互鍚屼竴鍒╃巼鐐轰緷鎿�(j霉)銆傚弮瑕嬫暀鏉怭156銆�

7銆�

銆愭纰虹瓟妗堛€� B

銆愮瓟妗堣В鏋愩€� 鏈鑰冩煡鐨勬槸褰遍熆璩囬噾绛夊€肩殑鍥犵礌銆傜敱浜庤硣閲戠殑鏅傞枔鍍瑰€�锛屼娇寰楅噾椤嶇浉鍚岀殑璩囬噾鐧�(f膩)鐢熷湪涓嶅悓鏅傞枔锛屾渻鐢�(ch菐n)鐢熶笉鍚岀殑鍍瑰€�銆傚弮瑕嬫暀鏉怭156銆�

8銆�

銆愭纰虹瓟妗堛€� C

銆愮瓟妗堣В鏋愩€� 鏈鑰冩煡鐨勬槸涓€娆℃敮浠樼殑鎯呭舰銆�300×(1+6.8%/2)4-300=42.93(钀厓)銆傚弮瑕嬫暀鏉怭157銆�

9銆�

銆愭纰虹瓟妗堛€� D

銆愮瓟妗堣В鏋愩€� 鏈鑰冩煡鐨勬槸涓€娆℃敮浠樼殑鎯呭舰銆侳=P×(F/P锛�10%锛�5)=5000×(1+10%)5=8052.55(钀厓)銆傚弮瑕嬫暀鏉怭157銆�

10銆�

銆愭纰虹瓟妗堛€� C

銆愮瓟妗堣В鏋愩€� 鏈鑰冩煡鐨勬槸绛夐鏀粯绯诲垪鎯呭舰銆侫=[30×(1+10%)5+30×(1+10%)4]×10%/[(1+10%)3-1]=27.87(钀厓)銆傚弮瑕嬫暀鏉怭157銆�

11銆�

銆愭纰虹瓟妗堛€� B

銆愮瓟妗堣В鏋愩€� 鏈鑰冩煡鐨勬槸绛夐鏀粯绯诲垪鎯呭舰銆�1000×10%/{[(1+10%)5-1]×(1+10%)锝�≈148.91(钀厓)銆傚弮瑕嬫暀鏉怭159銆�

12銆�

銆愭纰虹瓟妗堛€� A

銆愮瓟妗堣В鏋愩€� 鏈鑰冩煡鐨勬槸鍚嶇京鍒╃巼鑸囨湁鏁堝埄鐜�銆傚悕缇╁埄鐜囩浉鐣�(d膩ng)浜庡柈鍒╄▓(j矛)绠�锛屽(sh铆)闅涘埄鐜囩浉鐣�(d膩ng)浜庡京(f霉)鍒╄▓(j矛)绠椼€傚鏋滄湰閲戣秺澶�锛屽埄鐜囪秺楂樸€佽▓(j矛)鎭懆鏈熸暩(sh霉)瓒婂锛屽叐鑰呭樊鍊煎氨瓒婂ぇ 銆傚弮瑕嬫暀鏉怭161銆�

13銆�

銆愭纰虹瓟妗堛€� B

銆愮瓟妗堣В鏋愩€� 鏈鑰冩煡鐨勬槸鍚嶇京鍒╃巼鑸囨湁鏁堝埄鐜�銆傚崐骞寸殑瀵�(sh铆)闅涘埄鐜�=(1+8%/4)2-1=4.04%銆傚弮瑕嬫暀鏉怭161銆�

浜�銆佸闋�(xi脿ng)閬告搰椤�

1銆�

銆愭纰虹瓟妗堛€� ACDE

銆愮瓟妗堣В鏋愩€� 鏈鑰冩煡鐨勬槸鐝�(xi脿n)閲戞祦閲忓拰璩囬噾鐨勬檪闁撳児鍊�銆傞伕闋�(xi脿ng)D鏄€嬮櫡浜曪紝鐝�(xi脿n)閲戞祦鍏ラ噺銆佺従(xi脿n)閲戞祦鍑洪噺銆佸噲鐝�(xi脿n)閲戞祦閲忕当(t菕ng)绋辩偤鐝�(xi脿n)閲戞祦閲忥紝鑰岃垏姗桓鐩搁€ｇ殑鍨傜洿绠窔浠ｈ〃涓嶅悓鏅傞粸(di菐n)鐨勭従(xi脿n)閲戞祦鍏ユ垨鐝�(xi脿n)閲戞祦鍑�銆傚弮瑕嬫暀鏉怭153銆�

2銆�

銆愭纰虹瓟妗堛€� ABDE

銆愮瓟妗堣В鏋愩€� 鏈鑰冩煡鐨勬槸鐝�(xi脿n)閲戞祦閲忓拰璩囬噾鐨勬檪闁撳児鍊�銆傞伕闋�(xi脿ng)C鐣�(d膩ng)鍊熻哺璩囨湰渚涢亷浜庢眰锛屽埄鐜囦笅闄�;鍙嶄箣锛屽埄鐜囦笂鍗囥€傚弮瑕嬫暀鏉怭153锝�154銆�

3銆�

銆愭纰虹瓟妗堛€� ABDE

銆愮瓟妗堣В鏋愩€� 鏈鑰冩煡鐨勬槸褰遍熆璩囬噾绛夊€肩殑鍥犵礌銆傚奖闊胯硣閲戠瓑鍊肩殑鍥犵礌鏈変笁鍊嬶細璩囬噾鐨勫灏�銆佽硣閲戠櫦(f膩)鐢熺殑鏅傞枔鍙婂埄鐜�(鎴栨姌鐝�(xi脿n)鐜�)鐨勫ぇ灏忋€傚弮瑕嬫暀鏉怭156銆�

4銆�

銆愭纰虹瓟妗堛€� BE

銆愮瓟妗堣В鏋愩€� 鏈鑰冩煡鐨勬槸绛夐鏀粯绯诲垪鎯呭舰銆傚勾閲戞姌鐝�(xi脿n)涓€瀹氳鎶樺埌绗竴绛嗗勾閲戠殑鍓嶄竴骞�銆傛瘮濡傛湰椤屼腑锛�0-3骞寸殑绛夐鏀嚭鎶樼従(xi脿n)鏅傚彧鑳芥姌鍒�0鐨勫墠涓€骞�锛岃€岀従(xi脿n)鍊兼槸鍦�0閭ｉ粸(di菐n)鐨勫児鍊硷紝鍥犳鍙互鏈夊叐绋檿鐞嗘柟娉曪細涓€绋槸鍏堟暣楂旀姌鍒�-1骞�锛屽啀寰€0榛�(di菐n)鎶樼畻锛屾瘮濡傜瓟妗圔;鍙︿竴绋檿鐞嗘柟娉曟槸锛屽皣閫欑瓎绛夐鏀嚭鍒嗘垚鍏╅儴鍒�锛屽湪0榛�(di菐n)鐨勪笉闇€鎶樼従(xi脿n)锛�1-3骞寸殑鍐嶆寜骞撮噾鐝�(xi脿n)鍊兼姌绠�锛屾瘮濡傜瓟妗圗;鍙︿竴鍊嬪晱椤屾槸闂�(gu膩n)浜庡叕寮忎腑n鐨勭⒑瀹�锛屽鏋滃勾閲戞暩(sh霉)閲忚純灏�锛屽彲浠ユ暩(sh霉)骞撮噾鍊嬫暩(sh霉)锛屽嵆鐐簄;鐣�(d膩ng)骞撮噾鏁�(sh霉)閲忚純澶氭檪锛岀敤鏈€鍚庝竴绛嗗勾閲戠櫦(f膩)鐢熺殑鏅傞粸(di菐n)娓涘幓绗竴绛嗗勾閲戠殑鍓嶄竴骞�锛屽嵆鐐簄銆傚鏈涓�5-10骞寸殑骞撮噾60锛屾姌鐝�(xi脿n)鏅傞渶鍏堟姌绠楀埌绗�5骞村垵(4骞存湯)锛屽墖骞撮噾鍊嬫暩(sh霉)鐐�10-4=6锛岀劧鍚庡啀寰炵4骞存湯涓€娆℃姌鐝�(xi脿n)鍒�0榛�(di菐n)銆傚弮瑕嬫暀鏉怭159銆�