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乐笙 · 2022年10月03日

根据给出的答案，如果在计算器里直接求次方N ？

  1. CFA I
  2. Quantitative

NO.PZ2017092702000006

问题如下：

For a lump sum investment of ¥250,000 invested at a stated annual rate of 3% compounded daily, the number of months needed to grow the sum to ¥1,000,000 is closest to:

选项：

A.

555.

B.

563.

C.

576.

解释：

A is correct.

The effective annual rate (EAR) is calculated as follows:

EAR = (1 + Periodic interest rate)m – 1   EAR = (1 + 0.03/365)365 – 1   EAR= (1.03045) – 1 = 0.030453 ≈ 3.0453%.

Solving for N on a financial calculator results in (where FV is future value and PV is present value):

(1 + 0,030453）N = FVN/PV = (¥1,000,000/¥250,000）So,N = 46.21 years, which multiplied by 12 to convert to months results in 554.5, or ≈ 555 months.

根据给出的答案，如果在计算器里直接求次方N ？

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3 个答案

星星_品职助教 · 2022年11月29日

@Yuri

题干中的条件为“ a stated annual rate of 3% compounded daily”.stated annual interest rate为名义上的报价利率，不能直接用来计算，需要结合计息频率进行转化。本题即转化为3%/365得到实际的日利率。

输入I/Y时，去掉百分号，即为3/365.

星星_品职助教 · 2022年10月08日

@MayMeng

原回复中计算器按键无误。

可以尝试清零后重新输入。如果还有问题，可尝试reset计算器。

星星_品职助教 · 2022年10月04日

同学你好，

计算器无法直接求N。

答案解析中的公式需要方程两边同时取Ln，然后逐步进行转化，这并不是此类题目的常规解法。

这类题目都不通过公式来解，而是用计算器第三排的五个键来直接CPT N。

计算器按键为：PV=-250000， I/Y=3/365，PMT=0，FV=1000000， CPT N=16868（天），转化成16868/365=46.21年，再转化为554.5月

MayMeng · 2022年10月08日

在输入 所有数值后， CPY N时出现Error5. 请问计算器如何修改

🌊Yuri🌊 · 2022年11月29日

请问I/Y为什么是3/365？

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NO.PZ2017092702000006 问题如下 For a lump sum investment of ¥250,000 investea stateannurate of 3% compounily, the number of months neeto grow the sum to ¥1,000,000 is closest to: A.555. B.563. C.576. A is correct. The effective annurate (EAR) is calculatefollows: E= (1 + Perioc interest rate)m – 1   E= (1 + 0.03/365)365 – 1   EAR= (1.03045) – 1 = 0.030453 ≈ 3.0453%. Solving for N on a financicalculator results in (where FV is future value anPV is present value): (1 + 0,030453）N = FVN/PV = (¥1,000,000/¥250,000）So,N = 46.21 years, whimultiplie12 to convert to months results in 554.5, or ≈ 555 months. 这题我EAR已经算出来是3.045，带入计算器知四求一不知道为什么算出来是46.21.

2023-06-02 16:31 1 · 回答

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2023-05-28 15:18 1 · 回答

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2022-11-22 02:27 3 · 回答

NO.PZ2017092702000006 问题如下 For a lump sum investment of ¥250,000 investea stateannurate of 3% compounily, the number of months neeto grow the sum to ¥1,000,000 is closest to: A.555. B.563. C.576. A is correct. The effective annurate (EAR) is calculatefollows: E= (1 + Perioc interest rate)m – 1   E= (1 + 0.03/365)365 – 1   EAR= (1.03045) – 1 = 0.030453 ≈ 3.0453%. Solving for N on a financicalculator results in (where FV is future value anPV is present value): (1 + 0,030453）N = FVN/PV = (¥1,000,000/¥250,000）So,N = 46.21 years, whimultiplie12 to convert to months results in 554.5, or ≈ 555 months. (1 + 0,030453）N = FVN/PV = (¥1,000,000/¥250,000）So,N = 46.21 years, whimultiplie12 to convert to months results in 554.5, or ≈ 555 months.请问这一步是什么意思，是怎么求得的46.21呢。我算到日利率为0.030453就不知道怎么往下算了

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