利息理论公式AAAiAi(1)(0)(0)(0)(1),,,,atit()1,,,11,单利(线性积累);AAiAiAii(2)(0)(1)(0)(0)(1),,,,,,i,1212i,n,1(1),,niAnAiii()(0)(1...),,,,,n12,AtAitt()(0)(1),0,,,atit()(1),,特别的:各年利率相等时,有,,1[1(1)],,,,ininii,,n1(1)1(1),,,,ininAAAiAi(1)(0)(0)(0)(1),,,,,11tati()(1),,,复利(指数积累);AAiAiiAii(2)(0)(1)(0)(1)(0)(1)(1),,,,,,,,11212ii,n,AnAiii()(0)(1)(1)(1),,,,n12,nt特别的:各年利率相等时,有,,AnAi()(0)(1),,ati()(1),,nn(1),()1(1),,,iiii,,n(1)n,(1),iIn(),期末计息利率第期实质利率———Ni,n,An(1),,计息时刻不同,In(),期初计息贴现率第期实质贴现率———Nd,n,An(),In()d,nAn()anan()(1),,单利场合利率与贴现率的关系,an()i,1,inInanan()()(1),,d,,nAnan()(),1nii(1),复利场合利率与贴现率的关系,n(1),ii,1,i,1atit()1,,atdt()1,,积累方式不同:线形积累——单利单贴现idi,d,nn1(1),,ni1(1),,ndt,1tati()(1),,atd()(1),,指数积累——复利复贴现ii,dd,nnm()m()m,,ii()mij,名义利率:11,每一次的结算利率,,,i,,mm,,m()m,,d()m名义贴现率:11,,,dd,,m,,,Atd(),,,ln()At,,tAtdt()t,,dsatd(),s0ate(),;一般公式;利息力,,ln()at,,atdt()()()mm,,idlimlim,,,,mm,1恒定利息效力场合,,,,,,,ln()exp{}vann,,,,,,ln(1)()exp{}iann基本年金公式
有限年金永久年金年金现时值积累值现时值延付1nn,a1,v(1)1,,i,a,s,innii初付1nn,a1,v(1)1,,i,a,s,dnndd等差年金sn,n积累值()VnPsQ,,ninanv,n现时值(0)VPaQ,,ni等比年金nn(1)(1),,,iknVniV()(1)(0),,,积累值ik,1,kn1(),,1nn1,i现时值Vvvkvkik(0)(1)(1),,,,,,,,,ik,