閲嶇鎺ㄨ枽锛�2014骞村瑷�(j矛)甯€冭│閫€璨�(f猫i)淇濋亷(gu貌)濂楅

    鐗规儬鎺ㄨ枽锛�2014骞村瑷�(j矛)甯€冭│淇濋亷(gu貌)濂楅   

銆€銆€璨ㄥ梗鏅�(sh铆)闁撳児(ji脿)鍊肩殑鐗规畩鎯呮硜鐨勮▓(j矛)绠楄垏閬�(y霉n)鐢�

銆€銆€1銆佸京(f霉)鍒╄▓(j矛)鎭牷鏁�(sh霉)鐨勫奖闊�

銆€銆€寰�(f霉)鍒╄▓(j矛)鎭牷鏁�(sh霉)(鎴栧京(f霉)鍒╂姌鐝�(xi脿n)绯绘暩(sh霉)锛屼笅鍚�)鏄寚涓€骞翠腑寰�(f霉)鍒╄▓(j矛)鎭�(鎴栨姌鐝�(xi脿n).涓嬪悓)鐨勯牷鐜囨鏁�(sh霉)銆�

銆€銆€瑷�(j矛)鎭湡鏁�(sh霉)鍜岃▓(j矛)鎭巼鍧囧彲鎸変笅鍒楀叕寮忛€�(j矛n)琛屾彌绠楋細r=i/m t= n?m

銆€銆€鍏紡涓�锛宺鐐烘湡鍒╃巼锛宨鐐哄勾鍒╃巼锛宮鐐烘瘡骞寸殑瑷�(j矛)鎭鏁�(sh霉)锛宯鐐哄勾鏁�(sh霉)锛宼鐐烘彌绠楀悗鐨勮▓(j矛)鎭湡鏁�(sh霉)銆�

銆€銆€渚嬶細瀛樺叆閵€琛�1000鍏�锛屽勾鍒╃巼鐐�12%锛岃▓(j矛)绠楁寜骞�銆佸崐骞淬€佸銆佹湀鐨勫京(f霉)鍒╃祩鍊笺€�

銆€銆€1.鎸夊勾寰�(f霉)鍒╃殑绲傚€�

銆€銆€F1=1000脳(1+12%)=1120(鍏�)

銆€銆€2.鎸夊崐骞村京(f霉)鍒╃殑绲傚€�

銆€銆€F2=1000脳[1+(12%/2)]2=1123.6(鍏�)

銆€銆€3.鎸夊寰�(f霉)鍒╃殑绲傚€�

銆€銆€F3=1000脳[1+(12%/4)]4=1125.51(鍏�)

銆€銆€4.鎸夋湀寰�(f霉)鍒╃殑绲傚€�

銆€銆€F4=1000脳[1+(12%/12)]12=1126.83(鍏�)

銆€銆€寰炰互涓婅▓(j矛)绠楀彲浠ョ湅鍑�锛屾寜骞村京(f霉)鍒╃祩鍊肩偤1120鍏冿紝鎸夊崐骞村京(f霉)鍒╃祩鍊肩偤1123.6鍏�锛屾寜瀛ｅ京(f霉)鍒╃祩鍊肩偤1125.51鍏�锛屾寜鏈堝京(f霉)鍒╃祩鍊肩偤1126.83鍏�銆�

銆€銆€绲�(ji茅)璜栵細涓€骞翠腑瑷�(j矛)鎭鏁�(sh霉)瓒婂锛屽叾绲傚€煎氨瓒婂ぇ銆備竴骞翠腑瑷�(j矛)鎭鏁�(sh霉)瓒婂锛屽叾鐝�(xi脿n)鍊艰秺灏�銆傞€欎簩鑰呯殑闂�(gu膩n)绯昏垏绲傚€煎拰瑷�(j矛)鎭鏁�(sh霉)鐨勯棞(gu膩n)绯绘伆濂界浉鍙�銆�

銆€銆€2銆佹姌鐝�(xi脿n)鐜囧拰鎶樼従(xi脿n)鏈熺殑瑷�(j矛)绠�

銆€銆€鍦ㄥ(sh铆)闅涗腑鏈�(hu矛)閬囧埌宸茬煡绲傚€煎拰鐝�(xi脿n)鍊间互鍙婃姌鐝�(xi脿n)鏈熸垨鑰呮姌鐝�(xi脿n)鐜囷紝姹傝В鎶樼従(xi脿n)鐜囨垨鑰呮姌鐝�(xi脿n)鏈熺殑瑕佹眰銆�

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   銆婂瑷�(j矛)灏堟キ(y猫)鐩搁棞(gu膩n)鐭ヨ瓨(sh铆)銆嬬煡璀�(sh铆)榛�(di菐n)   瀵╄▓(j矛)甯€冭│瀛�(xu茅)缈�(x铆)鍗佸ぇ瑕侀粸(di菐n)  2003-2011骞村瑷�(j矛)甯骞寸湡椤屽尟绺�