銆€銆€(涓�)骞撮噾鐨勭祩鍊艰垏鐝�(xi脿n)鍊�

銆€銆€骞撮噾鏄寚涓€瀹氭檪鏈熷収(n猫i)姣忔绛夐鏀朵粯鐨勭郴鍒楁闋咃紝閫氬父瑷樹綔A銆�

銆€銆€绯诲垪绛夐鏀朵粯鐨勯枔闅旀湡闁撳彧闇€瑕佹豢瓒斥€滅浉绛夆€濊(di脿o)绡€(ji茅)鍗冲彲锛岄枔闅旀湡瀹屽叏鍙互涓嶆槸涓€骞�銆�

銆€銆€骞撮噾鎸夊叾姣忔鏀朵粯娆鹃爡鐧�(f膩)鐢熺殑鏅傞粸涓嶅悓锛屽彲浠ュ垎鐐烘櫘閫氬勾閲戙€佸嵆浠樺勾閲�銆侀仦寤跺勾閲�銆佹案绾�(x霉)骞撮噾绛夐鍨�銆�

銆€?銆佸€ㄨ儉顭屾澆楣媍鍗充粯骞撮噾鏄勾閲戠殑鍩烘湰褰㈠紡锛岄兘鏄緸绗竴鏈熼枊濮嬬櫦(f膩)鐢熺瓑椤嶆敹浠�锛屽叐鑰呯殑鍗€(q奴)鍒ユ槸鏅€氬勾閲戠櫦(f膩)鐢熷湪鏈熸湯锛屽嵆浠樺勾閲戠櫦(f膩)鐢熷湪鏈熷垵

銆€?銆佽岸f寤跺勾閲戝拰姘哥簩(x霉)骞撮噾鏄淳鐢熷嚭渚嗙殑骞撮噾銆傞仦寤跺勾閲戞槸寰炵浜屾湡鎴栫浜屾湡浠ュ悗鎵嶇櫦(f膩)鐢�锛岃€屾案绾�(x霉)骞撮噾鐨勬敹浠樻湡瓒ㄥ悜鐒＄澶�銆�

銆€銆€1.鏅€氬勾閲�

銆€銆€鏅€氬勾閲戞槸鎸囧緸绗竴鏈熻捣锛屽湪涓€瀹氭檪鏈熷収(n猫i)姣忔湡鏈熸湯绛夐鏀朵粯鐨勭郴鍒楁闋�锛屽張绋辩偤鍚庝粯骞撮噾銆傚叾褰㈠紡濡備笅鍦�:

銆€銆€鍒╃敤寰�(f霉)鍒╁皣姣忔湡骞撮噾鎶樺埌绗琻骞存湯

銆€銆€F=A+A(1+i)+A(1+i)2+ 鈥�+A(1+i)n-1 (1)

銆€銆€灏囨鍏紡鍏╅倞閮戒箻浠�(1+i)锛�

銆€銆€F(1+i)=A(1+i)+ A(1+i)2+ 鈥�+A(1+i)n (2)

銆€銆€(2)-(1)

銆€銆€F i= A(1+i)n- A,鏁寸悊鍚庡緱

銆€銆€娉ㄦ剰锛�

銆€?銆佸亪琛�?IMG src="/web_news/images/2011-7/20117269350637.jpg" border=0>绋变綔"骞撮噾绲傚€肩郴鏁�(sh霉)"锛岃浣�(F/A锛宨锛宯)銆�

銆€?銆佽皜鏉查妇K鍊肩郴鏁�(sh霉)鑸囧京(f霉)鍒╃祩鍊肩郴鏁�(sh霉)闂�(gu膩n)绯诲涓嬶細

銆€銆€銆愪緥3-5銆�

銆€銆€灏忕帇鏄綅鐔卞績浜庡叕鐪句簨妤�(y猫)鐨勪汉锛岃嚜1995骞�12鏈堝簳闁嬪锛屼粬姣忓勾閮借鍚戜竴浣嶅け瀛�(xu茅)鍏掔鎹愯磮銆傚皬鐜嬪悜閫欎綅澶卞(xu茅)鍏掔姣忓勾鎹愭1000鍏�锛屽公鍔╅€欎綅澶卞(xu茅)鍏掔寰炲皬瀛�(xu茅)涓€骞寸礆璁€瀹屼節骞寸京鍕�(w霉)鏁欒偛銆傚亣瑷�(sh猫)姣忓勾瀹氭湡瀛樻鍒╃巼閮芥槸2%锛屽墖灏忕帇涔濆勾鎹愭鍦�2003骞村簳鐩哥暥(d膩ng)浜庡灏戦將?

銆€銆€鍒嗘瀽锛�

銆€銆€姣忓勾骞存湯鏀粯1000鍏冪殑娆鹃爡锛岀附瑷堟敮浠樹簡9骞�锛屽爆浜庢櫘閫氬勾閲戠殑褰㈠紡锛屽凡鐭ユ櫘閫氬勾閲�锛屾眰鏅€氬勾閲戠祩鍊硷紝鍒╃敤(F/A锛宨锛宯)瑷堢畻銆�

    2012骞存渻瑷堣伔绋辫紨灏�(d菐o)鎷涚敓绨＄珷

    鐝�(xi脿n)鍫卞悕杓斿皫(d菐o)濂楅鍙韩鍏姌鍎�(y艒u)鎯�

    2012骞存渻瑷堣伔绋辫€冭│鍫卞悕闋�(y霉)浼�

    2011骞存渻瑷堣伔绋辫€冭│鐪熼鍖附