金融理论与实务计算（Financial theory and practice calculation）.docVIP

下载本文档

11
0
约1.72万字
约 18页
2017-08-16 发布于河南
举报
版权申诉

金融理论与实务计算（Financial theory and practice calculation）.doc

1、本文档共18页，可阅读全部内容。
2、原创力文档（book118）网站文档一经付费（服务费），不意味着购买了该文档的版权，仅供个人/单位学习、研究之用，不得用于商业用途，未经授权，严禁复制、发行、汇编、翻译或者网络传播等，侵权必究。
3、本站所有内容均由合作方或网友上传，本站不对文档的完整性、权威性及其观点立场正确性做任何保证或承诺！文档内容仅供研究参考，付费前请自行鉴别。如您付费，意味着您自己接受本站规则且自行承担风险，本站不退款、不进行额外附加服务；查看《如何避免下载的几个坑》。如果您已付费下载过本站文档，您可以点击这里二次下载。
4、如文档侵犯商业秘密、侵犯著作权、侵犯人身权等，请点击“版权申诉”（推荐），也可以打举报电话：400-050-0827(电话支持时间：9:00-18:30)。
5、该文档为VIP文档，如果想要下载，成为VIP会员后，下载免费。
6、成为VIP后，下载本文档将扣除1次下载权益。下载后，不支持退款、换文档。如有疑问请联系我们。
7、成为VIP后，您将拥有八大权益，权益包括：VIP文档下载权益、阅读免打扰、文档格式转换、高级专利检索、专属身份标志、高级客服、多端互通、版权登记。
8、VIP文档为合作方或网友上传，每下载1次，网站将根据用户上传文档的质量评分、类型等，对文档贡献者给予高额补贴、流量扶持。如果你也想贡献VIP文档。上传文档

金融理论与实务计算（Financial theory and practice calculation）

金融理论与实务计算（Financial theory and practice calculation） In October 1st 1.2000, someone in the business department of a ICBC in three years of savings deposits of 100 thousand yuan, the three day period of time deposit interest rate of 3%, please use the simple interest and compound interest law respectively in the calculation of the interest income tax is 20% under the condition of the full three years net interest amount. Solution: (1) the simple calculation method: the amount of interest rate X = principal * deposit =10 yuan * 3% * 3=0.9 million yuan Net interest amount of =0.9 * 80%=0.72 million (2) compound interest calculation: interest amount = principal * (1+ interest rate) deposit period - principal =10 yuan x (1+3%) 3-10 yuan, =10 yuan x 1.093-10 yuan, =0.93 yuan Net interest amount of =0.93 * 80%=0.744 million In January 1st 2.2004, someone in the savings deposit ICBC one-year deposit 100 thousand yuan, if the one-year deposit interest rate of 2%, interest calculation, calculate the interest income tax is 20%, the full year net interest amount. If the inflation rate is 4% in 2004, and the interest tax is not considered, please calculate the actual yield of this persons deposit (1) interest amount = principal * interest rate * deposit period =10 yuan *2%*1=2000 yuan Net interest amount =2000*20%=400 yuan (2) real rate of return = nominal rate of return - inflation rate =2%-4%=-2% 3. a enterprise is ready to borrow 1000000 yuan from the bank for a period of 2 years. Chinese bank 2 year loan interest rate of 5.52%, interest calculation period; foreign bank loan interest rate of 5.4%, the annual compound interest rate. Compare the interest cost of a bank to a bank Solution: the amount of interest of the Bank of China = principal * interest rate * deposit =1000000*5.52%*2=110400 yuan Foreign bank interest amount = principal * (1+ interest rate) deposit period - principal =100000* (1+0.54%) 2-1000000=1110916-100000=110916 yuan Interest on loans of Chinese banks les