第1章节利息的基本知识点mìcrosoftpowerpoìnt演示文稿.pptVIP

例（1）求每月结算的年利率为12%的实际利率； （2）求每季结算的年贴现率为10%的实际贴现率。 解（1） （2） 结论：结转次数越多，实际利率越大，实际贴现率越小。 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 例 2，000元的本金在6%的名义利率下投资，如果每年结转4次利息，求： 1）2年零6个月后的积累值； 2）年名义贴现率。 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 解 1）共计息10次 2）由公式 得： Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 例:一张尚需6个月到期的债券，其面值为2，000元，如果名义贴现率为6%，一年贴现4次，求该债券现在的价格为多少？ 解：1） P= 或：2） Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 7、利息力 瞬时利率。度量资本在某一时点上的获利能力。 1）常数利息力 定义 ： Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 。 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 或： 所以：a） b） Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 利息力与累积函数 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 2）常数贴现力 当m ，期初付与期末付没有区别。 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 3）利息力的一般式 定义 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 累积函数与利息力 由定义式： Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 两边积分 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 。 当 为常数时： Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 各年的利息力分别为： 积累函数值 Evaluation only. Created with Aspose.Slides for .N