{"id":171594,"date":"2019-04-06T04:15:32","date_gmt":"2019-04-05T20:15:32","guid":{"rendered":"https:\/\/www.lixiangluntan.com\/171594.html"},"modified":"2019-04-06T04:15:32","modified_gmt":"2019-04-05T20:15:32","slug":"%e5%a4%8d%e5%88%a9%e5%8f%8a%e5%a4%8d%e5%88%a9%e8%ae%a1%e7%ae%97%e5%85%ac%e5%bc%8f_%e9%81%93%e8%bf%aa%e6%8b%93%e9%87%91","status":"publish","type":"post","link":"https:\/\/www.lixiangluntan.com\/?p=171594","title":{"rendered":"\u590d\u5229\u53ca\u590d\u5229\u8ba1\u7b97\u516c\u5f0f_\u9053\u8fea\u62d3\u91d1"},"content":{"rendered":"<blockquote style=\"font-size:15px;background-color: #F5F5F5;border:none;padding: 5px;margin:15px;line-height: 1.6;text-indent: 2em;\">\n<p style=\"margin-bottom:5px;\">\u8be6\u89e3\u9664\u6743\u662f\u4ec0\u4e48\u610f\u601d<\/p>\n<p>\u3000\u3000\u4e00\u3001 \u9664\u6743\u662f\u4ec0\u4e48\u610f\u601d\uff1a\u9664\u6743\u5f62\u6210\u539f\u56e0<\/p>\n<\/blockquote>\n<p><a href=\"http:\/\/www.lixiangluntan.com\" target=\"_blank\" rel=\"noopener 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\u3000\u3000\u201c\u590d\u5229\u8ba1\u7b97\u201d\uff1a\u5176\u5b9e\u591a\u5e74\u6765\uff0c\u6211\u56fd\u4e00\u76f4\u5b58\u5728\u4e00\u4e2a\u5947\u602a\u7684\u73b0\u8c61\uff1a\u627f\u8ba4\u5229\u606f\u5b58\u5728\u4f46\u662f\u4e0d\u627f\u8ba4\u590d\u5229\uff0c\u4e00\u63d0\u5230\u590d\u5229\uff0c\u5c31\u628a\u5b83\u548c\u201c\u5229\u6eda\u5229\u201d\u548c\u201c\u9a74\u6253\u6eda\u201d\u8054\u7cfb\u8d77\u6765\uff0c\u5c31\u662f\u5265\u524a\u548c\u7f6a\u6076\u3002\u4f46\u662f\u4e8b\u5b9e\u4e0a\u6211\u4eec\u4e5f\u4e00\u76f4\u6ca1\u6709\u80fd\u591f\u5426\u5b9a\u590d\u5229\uff0c\u5728\u65e5\u5e38\u7ecf\u6d4e\u795e\u706b\u4e2d\u6211\u4eec\u4e5f\u4e00\u76f4\u5728\u4f7f\u7528\uff0c\u65e2\u7136\u6709\u590d\u5229\uff0c\u90a3\u4e48\u5c31\u6709\u590d\u5229\u8ba1\u7b97\u516c\u5f0f\uff0c\u63a5\u4e0b\u6765\u6211\u4eec\u5c06\u5bf9\u590d\u5229\u53ca\u590d\u5229\u8ba1\u7b97\u516c\u5f0f\u8fdb\u884c\u4e3e\u4f8b\u8bb2\u89e3\u3002<\/p>\n<p> \u3000\u3000\u4e00\u3001 \u590d\u5229\u8ba1\u7b97\u516c\u5f0f\uff1a\u590d\u5229\u7684\u5b9a\u4e49<\/p>\n<p> \u3000\u3000\u590d\u5229\u662f\u5229\u606f\u8ba1\u7b97\u7684\u4e00\u79cd\u65b9\u6cd5\uff0c\u5b83\u662f\u4e00\u79cd\u5c06\u4e0a\u671f\u5229\u606f\u8f6c\u4e3a\u672c\u91d1\u5e76\u4e00\u5e76\u8ba1\u606f\u7684\u65b9\u6cd5\u3002\u4e2d\u56fd\u5bf9\u8fd9\u79cd\u590d\u5229\u8ba1\u606f\u65b9\u6cd5\u901a\u4fd7\u7684\u79f0\u4e3a\u606f\u4e0a\u52a0\u606f\u3002<\/p>\n<p> \u3000\u3000\u590d\u5229\u8ba1\u7b97\u7684\u7279\u70b9\u662f\u628a\u4e0a\u671f\u672b\u7684\u672c\u5229\u548c\u4f5c\u4e3a\u4e0b\u4e00\u671f\u7684\u672c\u91d1\uff0c\u5728\u8ba1\u7b97\u65f6\u6bcf\u4e00\u671f\u672c\u91d1\u7684\u6570\u989d\u662f\u4e0d\u540c\u7684\u590d\u5229\u8ba1\u7b97\u6709\u95f4\u65ad\u590d\u5229\u548c\u8fde\u7eed\u590d\u5229\u4e4b\u5206\u3002\u6309\u671f\uff08\u5982\u6309\u5e74\u3001\u534a\u5e74\u3001\u5b63\u3001\u6708\u6216\u65e5\u7b49\uff09\u8ba1\u7b97\u590d\u5229\u7684\u65b9\u6cd5\u4e3a\u95f4\u65ad\u590d\u5229;\u6309\u77ac\u65f6\u8ba1\u7b97\u590d\u5229\u7684\u65b9\u6cd5\u4e3a\u8fde\u7eed\u590d\u5229\u3002\u5728\u5b9e\u9645\u5e94\u7528\u4e2d\u4e00\u822c\u91c7\u7528\u95f4\u65ad\u590d\u5229\u7684\u8ba1\u7b97\u65b9\u6cd5\u3002<\/p>\n<p> \u3000\u3000\u4e8c\u3001 \u590d\u5229\u8ba1\u7b97\u516c\u5f0f\uff1a\u57fa\u672c\u516c\u5f0f<\/p>\n<p> \u3000\u3000\u590d\u5229\u8ba1\u7b97\u516c\u5f0f\u5305\u62ec\u4e00\u4e9b\u7ec8\u503c\u3001\u73b0\u503c\u4ee5\u53ca\u6574\u5b58\u6574\u53d6\uff0c\u96f6\u5b58\u6574\u53d6\u7684\u57fa\u672c\u516c\u5f0f\u3002<\/p>\n<p> \u3000\u3000F=P*\uff081+i\uff09^n<\/p>\n<p> \u3000\u3000F=A\uff08\uff081+i\uff09^n-1\uff09\/i<\/p>\n<p> \u3000\u3000P=F\/\uff081+i\uff09^n<\/p>\n<p> \u3000\u3000P=A\uff08\uff081+i\uff09^n-1\uff09\/\uff08i\uff081+i\uff09^n\uff09<\/p>\n<p> \u3000\u3000A=Fi\/\uff08\uff081+i\uff09^n-1\uff09<\/p>\n<p> \u3000\u3000A=P\uff08i\uff081+i\uff09^n\uff09\/\uff08\uff081+i\uff09^n-1\uff09<\/p>\n<p> \u3000\u3000F\uff1a\u7ec8\u503c\uff08Future Value\uff09\uff0c\u6216\u53eb\u672a\u6765\u503c\uff0c\u5373\u671f\u672b\u672c\u5229\u548c\u7684\u3002<\/p>\n<p> \u3000\u3000P\uff1a\u73b0\u503c\uff08Present Value\uff09\uff0c\u6216\u53eb\u671f\u521d\u91d1\u989d\u3002<\/p>\n<p> \u3000\u3000A \uff1a\u5e74\u91d1\uff08Annuity\uff09\uff0c\u6216\u53eb\u7b49\u989d\u503c\u3002<\/p>\n<p> \u3000\u3000i\uff1a\u5229\u7387\u6216\u6298\u73b0\u7387<\/p>\n<p> \u3000\u3000N\uff1a\u8ba1\u606f\u671f\u6570<\/p>\n<p> \u3000\u3000\u4e09\u3001 \u590d\u5229\u8ba1\u7b97\u516c\u5f0f\uff1a\u4e3e\u4f8b\u8bf4\u660e<\/p>\n<p> \u3000\u3000\uff08\u4e00\uff09\u3001\u590d\u5229\u8ba1\u7b97\u516c\u5f0f\uff1a\u590d\u5229\u7ec8\u503c\u7684\u8ba1\u7b97<\/p>\n<p> \u3000\u3000\u590d\u5229\u7ec8\u503c=\u73b0\u503c\u00d7\uff081+\u5229\u7387\uff09\u671f\u6570=\u73b0\u503c\u00d7\u590d\u5229\u7ec8\u503c\u7cfb\u6570<\/p>\n<p> \u3000\u3000FVn=PV\u00d7\uff081+i\uff09n=PV\u00d7FVIFi\uff0cn<\/p>\n<p> \u3000\u3000\u4f8b\uff1a\u4ee5100\u5143\u5b58\u5165\u94f6\u884c\uff0c\u5229\u606f\u738710%\uff0c\u4e94\u5e74\u540e\u7684\u7ec8\u503c\u4e3a\u591a\u5c11\uff1f<\/p>\n<p> \u3000\u3000FV5=PV\uff081+i\uff095=100\u00d7\uff081+10%\uff095=161\uff08\u5143\uff09<\/p>\n<p> \u3000\u3000\u4f8b\u5982\uff1a\u672c\u91d1\u4e3a50000\u5143\uff0c\u5229\u7387\u6216\u8005\u6295\u8d44\u56de\u62a5\u7387\u4e3a3%\uff0c\u6295\u8d44\u5e74\u9650\u4e3a30\u5e74\uff0c\u90a3\u4e48\uff0c30\u5e74\u540e\u6240\u83b7\u5f97\u7684\u5229\u606f\u6536\u5165\uff0c\u6309\u590d\u5229\u8ba1\u7b97\u516c\u5f0f\u6765\u8ba1\u7b97\u5c31\u662f\uff1a50000\u00d7\uff081+3%\uff0930<\/p>\n<p> \u3000\u3000\uff08\u4e8c\uff09\u3001\u590d\u5229\u8ba1\u7b97\u516c\u5f0f\uff1a\u590d\u5229\u73b0\u503c\u7684\u8ba1\u7b97<\/p>\n<p> \u3000\u3000\u590d\u5229\u73b0\u503c=\u7ec8\u503c\u00d7\uff081+\u5229\u7387\uff09-\u671f\u6570=\u7ec8\u503c\u00d7\u590d\u5229\u73b0\u503c\u7cfb\u6570<\/p>\n<p> \u3000\u3000PV=FV\/\uff081+i\uff09n=FV\u00d7PVIFi\uff0cn<\/p>\n<p> \u3000\u3000\u4f8b\uff1a\u4f60\u8ba1\u5212\u5728\u4e09\u5e74\u4ee5\u540e\u5f97\u5230400\u5143\uff0c\u5229\u606f\u7387\u4e3a8%\uff0c\u73b0\u5728\u5e94\u5b58\u91d1\u989d\u4e3a\u591a\u5c11\uff1f<\/p>\n<p> \u3000\u3000PV=FVn\/\uff081+i\uff09n=400\/\uff081+i\uff093=317.6\uff08\u5143\uff09<\/p>\n<p> \u3000\u3000\u4f8b\u5982\uff1a30\u5e74\u4e4b\u540e\u8981\u7b79\u63aa\u5230300\u4e07\u5143\u7684\u517b\u8001\u91d1\uff0c\u5047\u5b9a\u5e73\u5747\u7684\u5e74\u56de\u62a5\u7387\u662f3%\uff0c\u90a3\u4e48\uff0c\u73b0\u5728\u5fc5\u987b\u6295\u5165\u7684\u672c\u91d1\u662f5000000\u00d71\/\uff081+3%\uff0930<\/p>\n<p> 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rel=\"noopener noreferrer\">\u7092\u80a1\u8f6f\u4ef6<\/a><\/p>\n<blockquote style=\"font-size:15px;background-color: #F5F5F5;border:none;padding: 5px;margin:15px;line-height: 1.6;text-indent: 2em;\">\n<p style=\"margin-bottom:5px;\">\u4f18\u5148\u80a1\u80a1\u5229\u95ee\u9898\u8ba8\u8bba<\/p>\n<p>\u3000\u3000\u4e00\u3001 \u4f18\u5148\u80a1\u80a1\u5229\uff1a\u8ba1\u7b97<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>\u3000\u3000\u4e00\u3001 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