金融工具包.docVIP

(8) 统 计 与 金 融 首 先 用 with命 令 载 入 工 具 包 stats、 finance。 restart; with(stats); with(finance); 金 融 工 具 包 （ 本 工 具 包 内 容 未 做 汉 化 ） The finance package assists you in performing financial calculations. Wi th it, y ou can calculate the present value and accumulated value of annuities, g rowing a nnuities, perpetuities, growing perpetuities and level coupon bonds. Mor eover, i t can also help you compute the yield to maturity of a bond. You can construct an a mortizat ion table, determine the effective rate of interest for a given compound interes t rate, and find the present value and future value of a fixed quantity for a gi ven compound interest rate. Note: all examples use dollars ($) and interest rates are in terms of pe rcent (% ). Moreover, the default setting for floating point precision is 10. Rou nd up ea ch answer that Maple finds to the nearest cent. Amortization Method The most common method of repaying interest-bearing loans is the amortiz ation me thod . This procedure is used to liquidate an interest-bearing debt by a series of periodic payments, usually equal, at a given interest rate. You may u se Maple to determine how many payments are required to pay off the loan, using the amortiza tion command. You can also create amortization tables. A debt of $100 with interest at 10% per annum is to be amortized by paym ents of $50 at the end of each year for as long as necessary. A:= amortization( 100, 50, 0.10 ); The output from the command above is summarized in the table below. From the res ult we see that you must make three payments: $50, $50 and $17.60. The l ast resu lt in the output, $17.60, is the cost of the loan . amortization_table[n, Payment, Interest, Principal, Balance] = matrix( A[1]); The first column of the matrix refers to the payment number. The second column s hows the payment per time period. The third column is how much of the pa yment go es towards paying off the interest. The fourth refers to how much goes t o pay of f the princ