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???????????????????

1???????4?????????????

???????7%?????????????????

?1??????????????? ?2????????????????

?3??????????????5??????????16%??????2.5?????????????????????????

???1?????????0.1*8%+0.2*10%+0.4*12%+0.2*14%+0.1*16%=12%

?????????????=??????+????*(???????-??????)=7%+?*(12%-7%)=7%+?*5% (2)??????

[120*(7%+0.5*5%)+100*(7%+2*5%)+60*(7%+4*5%)+80*(7%+1*5%)+40*(7%+3*5%)]/400=15.75%

(3)????????????????????(7%+2.5*5%)=19.5%????????16%??????????????????????????19.5%?????

2???????????????????????????

?????? 10%???????????????????? ?1???????? ?2?????? ?3???? ?4??????? ?5????? ?6?????

???????=1????+2+1/3=3.3? ??????=500+500/1.1=954.55

???????=300/1.1^2+300/1.1^3+300/1.1^4+200/1.1^5+300/1.1^6=971.76 ???=971.76-954.55=17.21 ????=17.21/954.55=1.8% ????=971.76/954.55=102%

?????????????(2015)

??????????

1???1000???????????8?????????10???????????

??F=1000�(1+8%)10=1000�2.159=2159?

2???10000???????????8???????????10??????????

8%10�4??F=10000�(1+)=1000�2.208=22080? 4

3???????????????5??????????????40???????????????8????????????????????????

??P=40�(1+8%)?5=40�0.681=27.24??

4?????5????10000???????????????????????10??????????????

??

1000010000A===1638?

5??????????????????10????????20000??????????9???????????????

??P=20000�(P A,9%,10)=20000�6.418=128360?

6???1000????????10????????2060???????????????????10???????2?????

???????????????

??(1) (F P,i,10)=20601000=2.06

(F P,7%,10)=1.949

(F P,8%,10)=2.144

2.06?1.949i=�1%+7%=7.57% (2)

(F P,i,20)=2

(F P,3%,20)=1.806

(F P,4%,10)=2.191

2?1.806i=�1%+3%=3.504% 2i=7.008%

7?2014?1?1?????10000?????10%??????

?1????????2017?1?1?????????

?2??10000?????2014??2015??2016??2017?1?1????2500????10%???????????2017?1?1????

?3??10000?????2014??2015??2016??2017?1?1????2500????10%???????????2017?12?31????

??(1)F=1000�(1+10%)3=10000�1.331=13310?

(2)F=2500�(F A,10%,4)=2500�4.506=11265?

(3) F=2500� F A,10%,4 � 1+10%

=2500�4.506�1.1=12391.5?

8????2011??2012???????????50000????

??2015???????2015?2016?2017?2018?????????40000??????9%????1?????2011??????

?2?????????2011??????

??(1)

50000 P=50000+=50000+45871.56=95871.56? (2) P=40000�(P A,9%,4)�(P F,9%,4)

=40000�3.24�0.708=91756.8?

9????2010?1?1??????80?????20??????12%????????????????????2011?12?31??

?1??????????

?2?2015?12?31???????????????????

?3????2010?12?31???????????

???1?

8080A===10.7109?? (PA,12%,20)7.469

?2?F=80�(F P,12%,6)?10.7109�(F A,12%,5)� 1+12%

=80�1.974?10.7109�6.353�1.12

=157.92?66.9263=90.9937??

?3?I=80�12%=9.6??

10??????????????????????????????????????????????????

??

A????????=0.3�30%+0.5�15%+0.2�0=16.5% B????????=0.3�40%+0.5�15%+0.2�??15%?=16.5%

C????????=0.3�50%+0.5�15%+0.2�??30%?=16.5%

A???????

=

=10.5%

B???????

=

=19.11%

C???????

=

=27.75%

10.5%A????????V===0.636 16.5%?

19.11%B????????V===1.158 16.5%27.75%C????????V===1.682 16.5%C???????B?????A?????

11??????500??????????????????????120???0.2?100???0.5?60???0.3???????????6%????????8%??????????????????????????????????????????

??

12010060?????????=0.2�+0.5�+0.3�500500500

=18.4%

????

= =4.45%

4.45%?????V===0.2418 ?????=?�V=0.2418�6%=1.45%

?????????=8%+1.45%=9.45%

12??????????14???????????20????????????????A?????????2????A????????????????????????100??????A???20???B???30???C???50?????????2?1.5?0.5?????????????????????A?????????15??????????? ???


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