年金终值系数计算公式

年金终值系数计算公式 年金终值系数、年金现值系数和复利现值系数公式推导 2010-01-16 14:49 1)年金终值系数 普通年金终值指一定时期内，每期期末等额收入或支出的本利和，也就是将每一期的金额，按复利换算到最后一期期末的终值，然后加总，就是该年金终值。其公式推导如下: 设每年的支付金额为A，利率为i，期数为n，则按复利计算的年金终值S为: S = A + A×(1+i) + „ + A×(1+i)^(n-1) 等式两边同乘以(1+i): S(1+i) = A(1+i) + A(1+i)^2 + „ + A(1+l)^n 上式两边相减可得: S(1+i) - S = A(1+l)^n - A, S = A[(1+i)n - 1] / i 式中[(1+i)n - 1] / i的为普通年金、利率为i，经过n期的年金终值记作(S/A, i, n)，可查普通年金终值系数表。 2)年金现值系数 年金现值通常为每年投资收益的现值总和，它是一定时间内每期期末收付款项的复利现值之和.每年取得收益1元，年利率为10%，为期5年，上例逐年的现值和年金现值，可计算如下: 1年1元的现值=1/(1+10%)=0.909(元) 注:现求的复利现值 2 2年1元的现值=1/(1+10%)=0.826(元) 3年1元的现值=0.751(元) 4年1元的现值=0.683(元) 5年1元的现值=0.621(元) 1元年金5年的现值为上述和的汇总3.790(元) 普通年金a元、利率为r，经过n期的年金现值计算公式: p=a(1/(1+r)+1/(1+r)^2+...+1/(1+r)^n) 根据等比数列求和公式，整理得:p=a(1-(1+r)^(-n))/r 3)复利终值系数 年金现值通常为每年投资收益的现值总和，它是一定时间内每期期末收付款项的复利现值之和.每年取得收益1元，年利率为10%，为期5年，上例逐年的现值和年金现值，可计算如下: -1 1年1元的现值=1/(1+10%)=1.1(元) 注:现求的复利终值 coefficient not greater than 1.3; High efficiency: control 1 hour travel time between any two points within the various groups within the area up to half an hour, 1-hour access to the airport, 45min reached the city's main traffic hub, external highway for half an hour with the main channels connecting bus 1.5 hours between any two groups of core areas; Intensive: 2030 transit share rate of around 35%, 2050 bus sharing rate of 45% per cent. 3rd chapter, Yibin city, traffic situation and General ... 3.1.1 city traffic status 1, external transport passenger and cargo traffic in Yibin city, traffic at the present main railway, highway, waterway and air four modes of passenger and freight transport, there -22年1元的现值=1/(1+10%)=1.21(元) 3年1元的现值=1.331(元) 4年1元的现值=1.4641(元) 5年1元的现值=1.6105(元) 如题，复利是(p/s,i,n);(s/p,i,n) 年金是(a/s,i,n);(s/a,i,n) 一般要怎么区别两者，他们之间有什么联系,谢谢～ 小猪跳过橙汁 回答:1 人气:6 解决时间:2009-09-08 15:14 满意 好评率:0% 所谓复利也称利上加利，是指一笔存款或者投资获得回报之后，再连本带利进行新一轮投资的方法。这是现实中最常见的情况。 所谓的年金，就是指在一定时期内，每隔相等的时间收入或支出固定的金额。这 年”并不是真正的一年，而是一个固定期限的含义。比如你每月获取固定里的“ 工资收入，或每月固定支出一笔房贷，都是年金的一种形式。 年金和复利的关系，年金是复利和 复利终值,现值*复利终值系数 复利现值,终值*复利现值系数 年金就是等额+定期+系列 年金和复利的关系，年金是复利和 年金的形式:普通(期未)、即付(期初)、递延(有间隔期)、永续(无终值) 普通年金终值,年金*年金终值系数 偿债基金年金,终值/年金终值系数 普通年金现值,年金*年金现值系数 资本回收额,年金现值/年金现值系数 即付年金终值,年金*普通年金终值系数*(1+i) coefficient not greater than 1.3; High efficiency: control 1 hour travel time between any two points within the various groups within the area up to half an hour, 1-hour access to the airport, 45min reached the city's main traffic hub, external highway for half an hour with the main channels connecting bus 1.5 hours between any two groups of core areas; Intensive: 2030 transit share rate of around 35%, 2050 bus sharing rate of 45% per cent. 3rd chapter, Yibin city, traffic situation and General ... 3.1.1 city traffic status 1, external transport passenger and cargo traffic in Yibin city, traffic at the present main railway, highway, waterway and air four modes of passenger and freight transport, there 即付年金现值,年金*即付年金现价值系数(期数减1，系数加1) 递延年金是普通年金的特殊形式 年金终值系数: (F/A，n，i)=[(1+i)n-1]/i 年金现值系数: (P/A，n，i)=[1-(1+i)-n]/i 复利终值系数: (F/P，n，i)=(1+i)n 复利现值系数: (P/F，n，i)=(1+i)-n F:终值。P:现值。A:年金。n:期数(一般是年数)。i:投资报酬率 公式中的n与-n都是指n次方与-n次方。 coefficient not greater than 1.3; High efficiency: control 1 hour travel time between any two points within the various groups within the area up to half an hour, 1-hour access to the airport, 45min reached the city's main traffic hub, external highway for half an hour with the main channels connecting bus 1.5 hours between any two groups of core areas; Intensive: 2030 transit share rate of around 35%, 2050 bus sharing rate of 45% per cent. 3rd chapter, Yibin city, traffic situation and General ... 3.1.1 city traffic status 1, external transport passenger and cargo traffic in Yibin city, traffic at the present main railway, highway, waterway and air four modes of passenger and freight transport, there