当前位置:财税问题 >
實(shí)務(wù)
问题已解决
a錯(cuò)吧 因?yàn)閍的利息是季度付息一次 然后 票面利率除以四 等于0.02*1000 不應(yīng)該是20嗎 答案錯(cuò)了嗎
FAILED



同學(xué)你好
同學(xué)把答案也截圖以下
季度付息,按照20期計(jì)算利息哦,季度利息就是8%/4,5*4期
2024 11/11 16:31

m80258768 

2024 11/11 16:50
但是答案是19.4 我就疑惑了

Fenny老師 

2024 11/11 17:09
要按照實(shí)際利率計(jì)算每期利息,8%是名義利率。
?實(shí)際利率的計(jì)算公式為:i = (1 + r/m)^(m-1)?,其中r表示名義利率,m表示一年內(nèi)的計(jì)息周期次數(shù)。?

m80258768 

2024 11/11 17:14
但是也還是不對(duì)啊 a*(p/a,i,n)+p*(p/f,i,n)

m80258768 

2024 11/11 17:14
a不是用面值?票面利率?

Fenny老師 

2024 11/11 17:20
a是每期收到的利息金額,要按照實(shí)際利率計(jì)算,這里一年內(nèi)有幾次付息,實(shí)際利率就不是8%了。如果是按年付息,實(shí)際利率=名義利率,那就按照8%算。

m80258768 

2024 11/11 17:23
因?yàn)楝F(xiàn)在是季度嘛 那應(yīng)該是8%/4=2% 然后?面值1000=20

m80258768 

2024 11/11 17:26
實(shí)際利率1+(8%/4)^4-1=0.0824

m80258768 

2024 11/11 17:29
你還不如試試19.4怎么來的
FAILED

m80258768 

2024 11/11 17:46
在嗎老師

Fenny老師 

2024 11/11 18:14
老師正在看哈,同學(xué)稍等

Fenny老師 

2024 11/11 18:32
(1+r/4)4-1=8%,解得:r=7.77%,每個(gè)季度的實(shí)際票面利率=7.77%/4=1.94%,每次支付的利息=1000×1.94%=19.4(元),題目8%是有效利率。

Fenny老師 

2024 11/11 18:53
題目這里有點(diǎn)繞,是按照名義利率算,因?yàn)榍懊娓嬖V的是有效年利率8%,因此要換算成名義利率(票面利率),因此要注意如果是有效利率就是實(shí)際利率,票面利率就是名義利率。
