3021200002哈哈 啊vh（3021200002 ha ha, VH!）.docVIP

3021200002哈哈 啊vh（3021200002 ha ha, VH!） The third chapter interest and interest rate Purpose and requirements of this chapter Through learning this chapter, candidates should understand the basic meaning of the time value of money; understand the final value and the present value, yield to maturity, the benchmark interest rate, nominal interest rate and real interest rate and the interest rate effect of meaning; understanding interest rates play a role, to grasp the interest income form the role become general and will grasp the interest calculation method and application; compound interest method, theory and understanding the factors that determine the impact of the interest rate; understand the interest rate liberalization in china. Course content Section 1 general form of interest and income What are the interest rates and interest rates? Lets start with the time value of money I. the time value and interest of money 1., the time value of money: that is, the same amount of money, its present value is greater than its future value. 2. interest is the embodiment of time value of money. Two, the general form of interest and income As an external manifestation of the time value of money, interest is usually regarded as a general form of income. The monetary fund providers will provide money demand, money demand for funds to use monetary funds engaged in production and business activities to obtain profits, profits to take part to the form of interest to the monetary fund provider, the remainder as their own production and business income. Interest into the general revenue form plays a very important role, it can be any profitable things by comparing the income and interest rate was the equivalent of the amount of capital things much, this is the capitalization of income. C (proceeds) =P (principal) * R (interest rate) P=C/R Second, the measurement and types of interest rates First, the concept of interest rates Interest rate is the ratio of the amount of interest fo