, , PV , FV . - PV FV n . , :
(1‑29)
k ( ) . , . kd = 1/(1 + n*r).
1‑23
250 500 . ., 10% 360 . .
:
, :
PV = FV * 1 / (1 + t / T * r) =
= 500000 * 1 / (1 + 250 / 360 * 0,1) = 467532.5 .
PV = FV * k = 500000 * 1.0694 = 467532.5 ..
, 467532.5 ., 250 23116.88 .
ð :
(1‑30)
ð m , :
(1‑31)
kd ()
kd= (1‑32)
1‑24
2 200000 . , 10% :
) ;
) .
?
) = 200000/(1+0.1/1)2 = 165289.3 .
) =200000/(1+0.1/12)24 =163881.9 .
, (, [13]) , [14]. , :
PV = FV - D, (1‑33)
FV - ; PV - ; D - , (
.1-8 , (.. , )
. 1‑8
, .
F [15]:
D = FV - PV = FV * n * d = FV * t / T * d, (1‑34)
n .
:
PV = FV - FV * n * d = FV * (1 - n * d)[16] = FV*d (1‑35)
|
|
kd = (1 - n * d) .
, , .
. 1‑9
1‑25
5000 . 17 , 19 8%. , .
:
, :
t = 13 () + 30 () + 31 () + 17 () - 1 = 90 .
, :
PV = FV * (1 - t / T *d ) = 5000 (1 - 90 / 360 * 0,08) = 4900 .
:
D = FV - PV = 5000 - 4900 = 100 .
D = FV *(t / T * d)= 5000 * 90 / 360 * 0,08 = 100 .
, 4900 ., 100 .
F :
PV = FV *(1 - d) n (1‑36)
(1‑37)
(1‑38)
, .. , .
. 1‑10 .
1‑26
100 . . 3 30% .
?
PV = FV*(1-d)n = 100000*(1-0.3)3 = 34300 .
D =FV-PV = 100000 34300 = 65700 .
1‑27
1 . 200 . . 1 . . 50% , . , T=360 ?
.
= ln(1/1.2)/ln(1-0.5) = 0.263 @ 94 .