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lxn · 2018年05月26日

请问什么情况用EAR?

  1. CFA I
  2. Quantitative

请问什么情况用EAR,什么情况下直接用给的利率? 本题我直接用的3％ 没有转换 就错了，不知怎样分辨? 谢谢

问题如下图：

选项：

A.

B.

C.

解释：

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2 个答案

源_品职助教 · 2018年05月27日

前者是用于算收益率，365次方，代表了复利投资了365次。后者仅仅是算得一个每天获得的利息率水平。

源_品职助教 · 2018年05月26日

做这类题目，关键看是以怎样的计息方式计息。比如这题中，它说了了按天计息，COMPOUNDED DAILY。那么就要先把年利率天化，然后再按天计息。

如果给定利率形式，并且和我们计息周期一样，就可以直接用数字，比如给定年化利率，同时按照每年一次计息，那就直接用给定的利息数字

lxn · 2018年05月26日

把年利率天化，一种是EAR法 (1+r/365)^365 , 一种是直接 r/365，请问这两种怎么分辨呢？

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