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想做蜜蜂的猫咪 · 2023年10月29日

这道题能不能用李老师课上教的方法计算。

NO.PZ2023090505000013

问题如下:

An issuer is comparing a bank loan at a rate of 15% with taking advantage of a supplier’s terms of 1/14, net 30, paying on day 14. The best decision in terms of the lower cost of financing is to:

选项:

A.

forgo the discount and use the supplier’s financing to pay on day 30.

B.

borrow from the bank to take advantage of the trade credit terms.

C.

use either option because the cost of the bank loan and the cost of the trade credit are identical.

解释:

B is correct. The cost of the supplier’s trade credit, expressed as an effective annual rate, is 25.769%, which is higher than the 15% interest rate on the bank loan.


EAR of 1/14, net 30 = 0.25769 or 25.769%

A and C are incorrect, because the bank loan rate of 15% is lower than the effective annual rate, 25.769%, on the supplier’s trade credit.

这道题能不能用李老师课上教的方法计算。

2 个答案

王琛_品职助教 · 2024年03月23日

嗨,爱思考的PZer你好:


@Thea.Yu

用老师方法算出6% 请问哪错了 (PV=-99,FV=100,N=16,PMT=0)

1

同学这样按也行,但是会麻烦一些

首先,I/Y 显示的结果,要除以 100,才是最终的结果

因为 I/Y 的单位其实是 %,相当于 0.01

如果 I/Y 的结果是 8,对应的其实是 8%

所以,计算出来的结果 I/Y = 0.062834,对应的其实是 0.00062834

2

其次,要换算成年化的概念

则需要 (1+0.00062834)^365-1=0.257684

3

最后,如果要按计算器,其实可以先公式变形,再计算

参考老师上课介绍的方法,原公式为:99*(1+r)^[(30-14)/365]=100

先把 99 移项到等号右侧:(1+r)^[(30-14)/365] = 100/99

然后开根号,把次方移项到等号右侧:(1+r)=(100/99)^[365/(30-14)]

再减去 1,即把 1 移项到等号右侧:r = (100/99)^[365/(30-14)] - 1

4

公式变形到这样,同学看现在是否会按计算器了哈

其中,指数的按键,位于数字 9 的上方

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加油吧,让我们一起遇见更好的自己!

王琛_品职助教 · 2023年10月31日

嗨,爱思考的PZer你好:


1

可以的呀

这道题其实就是基础班例题,只是改了数据而已,解题思路都是一致的

请参考基础班讲义墨迹版 P185

2

如果我直接按老师课上讲的方法,把解题过程写出来,相当于同学少了一次练习和发现可能的错误的机会

所以建议同学可以先自己做一下,看按照李老师课上教的方法,自己能否算出答案

计算过程中,哪里遇到了问题,记录一下

如果同学没有计算出正确答案,可以继续追问或者评论,把同学的计算过程和遇到的问题说一下,我再回答同学的后续疑问哈

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虽然现在很辛苦,但努力过的感觉真的很好,加油!

Thea.Yu · 2024年03月22日

用老师方法算出6% 请问哪错了 (PV=-99,FV=100,N=16,PMT=0)

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NO.PZ2023090505000013问题如下 issuer is comparing a bank loa rate of 15% with taking aantage of a supplier’s terms of 1/14, net 30, paying on y 14. The best cision in terms of the lower cost of financing is to: A.forgo the scount anuse the supplier’s financing to pon y 30.B.borrow from the bank to take aantage of the tra cret terms.C.use either option because the cost of the bank loanthe cost of the tra cret are intical. B is correct. The cost of the supplier’s tra cret, expresseeffective annurate, is 25.769%, whiis higher ththe 15% interest rate on the bank loan.Eof 1/14, net 30 = 0.25769 or 25.769%A anC are incorrect, because the bank lorate of 15% is lower ththe effective annurate, 25.769%, on the supplier’s tra cret. 不太理解可以详细一下吗

2024-03-15 16:45 2 · 回答

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2024-03-04 17:53 1 · 回答