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Captain America · 2023年01月09日

这道题目我用EA R算的答案是一样的,所以这类题目都可以用EAR算了再复利对吗?

NO.PZ2015120604000016

问题如下:

An investor invests $180,000  today . Assume the interest rate is 10% and the investment can coumpound daily. after 2 years, the value of the investment will be :

选项:

A.

$217,800.

B.

$198,928.

C.

$219,846.

解释:

C is correct.

N = 2 × 365 ;

I/Y = 10 / 365 ;

PMT = 0;

PV = -180,000;

CPT  FV = $219,846.47

这道题目我用EA R算的答案是一样的,所以这类题目都可以用EAR算了再复利对吗?

1 个答案
已采纳答案

星星_品职助教 · 2023年01月10日

同学你好,

用EAR或期间利率计算并不会导致结果的不同。做题时优先看能否直接用期间利率计算,这样会减少一步计算EAR的过程,节约时间。

如果期间利率达不到目的,例如题干中给出的PMT是年度值,这时I/Y就必须也得是年利率。这种情况下才选择计算EAR。

Captain America · 2023年01月10日

“ Assume the interest rate is 10% and the investment can coumpound daily”主要是我看到compounded daily 我就想到了EAR

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