以下是引用shenyang在2007-1-30 12:06:00的发言:对于利率那道题,可能我太执著了,数学没怎么复习,要考试了,临时抱佛脚呢^^ 我总是对这种文字题型特别不敢冒,所以又仔细看了一下OG对复利的解释: If interest is compounded, then interest is computed on the principal as well as on any interest already earned. 就是说单利,复利的区别在于本金(基本金)的基准,是利率*原始本金,还是*加了利率之后的本金。 例题也是在math review里的,我把所有的解释都贴一下: OG11例题(142页)IF $10,000 is invested at 10 percent annual interest, compounded semiannually, what is the balance after 1 year? Solution:The balance after the first 6 months would be 10,000+(10,000)(0.05)=10,500 the balance after one year would be 10,500+(10,500)(0.05)-11,025 note that the interest rate for each 6-month period is 5%, which is half of the 10% annual rate. The balance after one year can also be expressed as 10,000(1+0.1/2)^2 MM说的肯定对,没有疑问因为我考中文或英文的财务管理琢磨这个很多次了。首先区分simple interest 还是compound interest.如果是复利题,要考虑一年内复利多少次,即判断问题中给出的是否是名义利率.如果一年中复利N次(N>1)则问题中给出的年利率R为名义利率,实际年利率为(1+R/N)^N-1 再请你帮忙看看687题的答案,谢谢! |