问题如下图：
选项：
A. 
B. 
C. 
解释：
请问这道题目为何不考虑工资和生活费每年上涨的3%？ 而只简单的将3%看作通货膨胀率去计算真实折现率
包包_品职助教 · 2019年10月24日
同学你好，这个解题思路是这样的，因为考虑生活费上涨的3%的话就需要每年都调整现金流就比较麻烦，那我们就可以调整下折现率，使得分子上的现金流不用调整
假设调整后的折现率是i，现在是第n年，那么有CF（1+3%）n次方/（1+0.055）n次方=CF / （1+i)n次方，就有（1+3%）/（1+0.055）=1/ （1+i) 这样你就可以解出来i=1.055/1.03-1
或着也可以近似的用0.055-0.03来计算
歪fine朱 · 2019年10月25日
好的。谢谢～ 很清晰
包包_品职助教 · 2019年10月26日
不客气，继续加油哈
NO.PZ2018091705000086问题如下Marion anshelly Cornell are 44 years olan40 years ol respectively. They have two chilen. Marion is a manager of technicservices for a large corporation anshelly works in a lochospital. Salary anexpenses occur the beginning of eaof year. The Cornells are saving for their retirement ancollege funng for both chilen. Marion bought a whole life insuranpoliwith a ath benefit of $200,000 when chilen were born. The Cornells currently have 600,000 cash nee for Mortgage anEcation funantotcapitavailable is 950,000(cash plus life insuranbenefit). Marion asks his investment aisor Collins to assess the family’s insurannee in the event Marion of ing this year. To so, Collins uses the nee analysis methobaseon the financita presentebelow anthe following assumptions:ta Summary for Cornells:A.341,863.B.1,291,863C.0A is correct. 考点:Life Insurance解析寿险金额短缺是根据家庭总经济需要totfinancinee和总可用资金totcapitavailable之间的差额来计算的。增长率= 3%，折现率= 5.5%。这里可以理解成把nominrate调成rerate，?0.055就是nominal，3%就是inflation rate，计算出来的2.43%就是rerate, 调整后的折现率i可以计算为:[(1 +折现率)/(1 +增长率)]- 1，或者i =(1.055/1.03) - 1 = 2.43%。Totfinancinee总额计算如下为什么收入是Bgn。 不对吧
NO.PZ2018091705000086 问题如下 Marion anshelly Cornell are 44 years olan40 years ol respectively. They have two chilen. Marion is a manager of technicservices for a large corporation anshelly works in a lochospital. Salary anexpenses occur the beginning of eaof year. The Cornells are saving for their retirement ancollege funng for both chilen. Marion bought a whole life insuranpoliwith a ath benefit of $200,000 when chilen were born. The Cornells currently have 600,000 cash nee for Mortgage anEcation funantotcapitavailable is 950,000(cash plus life insuranbenefit). Marion asks his investment aisor Collins to assess the family’s insurannee in the event Marion of ing this year. To so, Collins uses the nee analysis methobaseon the financita presentebelow anthe following assumptions:ta Summary for Cornells: A.341,863. B.1,291,863 C.0 A is correct. 考点:Life Insurance解析寿险金额短缺是根据家庭总经济需要totfinancinee和总可用资金totcapitavailable之间的差额来计算的。增长率= 3%，折现率= 5.5%。这里可以理解成把nominrate调成rerate，?0.055就是nominal，3%就是inflation rate，计算出来的2.43%就是rerate, 调整后的折现率i可以计算为:[(1 +折现率)/(1 +增长率)]- 1，或者i =(1.055/1.03) - 1 = 2.43%。Totfinancinee总额计算如下 请问如果是主观题的话，怎么判断题目中说的这句买了200000保险已经包含在后面的totavailable 950000里面呀？很容易再额外减去这部分20万，请问这个是干扰信息吗？
NO.PZ2018091705000086 问题如下 Marion anshelly Cornell are 44 years olan40 years ol respectively. They have two chilen. Marion is a manager of technicservices for a large corporation anshelly works in a lochospital. Salary anexpenses occur the beginning of eaof year. The Cornells are saving for their retirement ancollege funng for both chilen. Marion bought a whole life insuranpoliwith a ath benefit of $200,000 when chilen were born. The Cornells currently have 600,000 cash nee for Mortgage anEcation funantotcapitavailable is 950,000(cash plus life insuranbenefit). Marion asks his investment aisor Collins to assess the family’s insurannee in the event Marion of ing this year. To so, Collins uses the nee analysis methobaseon the financita presentebelow anthe following assumptions:ta Summary for Cornells: A.341,863. B.1,291,863 C.0 A is correct. 考点:Life Insurance解析寿险金额短缺是根据家庭总经济需要totfinancinee和总可用资金totcapitavailable之间的差额来计算的。增长率= 3%，折现率= 5.5%。这里可以理解成把nominrate调成rerate，?0.055就是nominal，3%就是inflation rate，计算出来的2.43%就是rerate, 调整后的折现率i可以计算为:[(1 +折现率)/(1 +增长率)]- 1，或者i =(1.055/1.03) - 1 = 2.43%。Totfinancinee总额计算如下 请问这里的totfinancinee 1291163是什么数字，从哪里来的？
NO.PZ2018091705000086问题如下Marion anshelly Cornell are 44 years olan40 years ol respectively. They have two chilen. Marion is a manager of technicservices for a large corporation anshelly works in a lochospital. Salary anexpenses occur the beginning of eaof year. The Cornells are saving for their retirement ancollege funng for both chilen. Marion bought a whole life insuranpoliwith a ath benefit of $200,000 when chilen were born. The Cornells currently have 600,000 cash nee for Mortgage anEcation funantotcapitavailable is 950,000(cash plus life insuranbenefit). Marion asks his investment aisor Collins to assess the family’s insurannee in the event Marion of ing this year. To so, Collins uses the nee analysis methobaseon the financita presentebelow anthe following assumptions:ta Summary for Cornells:A.341,863.B.1,291,863C.0A is correct. 考点:Life Insurance解析寿险金额短缺是根据家庭总经济需要totfinancinee和总可用资金totcapitavailable之间的差额来计算的。增长率= 3%，折现率= 5.5%。这里可以理解成把nominrate调成rerate，?0.055就是nominal，3%就是inflation rate，计算出来的2.43%就是rerate, 调整后的折现率i可以计算为:[(1 +折现率)/(1 +增长率)]- 1，或者i =(1.055/1.03) - 1 = 2.43%。Totfinancinee总额计算如下为什么已买的20万寿险不扣除；为什么计算工资收入是先付，不是应该按照后付吗？
NO.PZ2018091705000086 问题如下 Marion anshelly Cornell are 44 years olan40 years ol respectively. They have two chilen. Marion is a manager of technicservices for a large corporation anshelly works in a lochospital. Salary anexpenses occur the beginning of eaof year. The Cornells are saving for their retirement ancollege funng for both chilen. Marion bought a whole life insuranpoliwith a ath benefit of $200,000 when chilen were born. The Cornells currently have 600,000 cash nee for Mortgage anEcation funantotcapitavailable is 950,000(cash plus life insuranbenefit). Marion asks his investment aisor Collins to assess the family’s insurannee in the event Marion of ing this year. To so, Collins uses the nee analysis methobaseon the financita presentebelow anthe following assumptions:ta Summary for Cornells: A.341,863. B.1,291,863 C.0 A is correct. 考点:Life Insurance解析寿险金额短缺是根据家庭总经济需要totfinancinee和总可用资金totcapitavailable之间的差额来计算的。增长率= 3%，折现率= 5.5%。这里可以理解成把nominrate调成rerate，?0.055就是nominal，3%就是inflation rate，计算出来的2.43%就是rerate, 调整后的折现率i可以计算为:[(1 +折现率)/(1 +增长率)]- 1，或者i =(1.055/1.03) - 1 = 2.43%。Totfinancinee总额计算如下 Marion anshelly Cornell are 44 years olan40 years ol respectively. They have two chilen. Marion is a manager of technicservices for a large corporation anshelly works in a lochospital. Salary anexpenses occur the beginning of eaof year. The Cornells are saving for their retirement ancollege funng for both chilen. Marion bought a whole life insuranpoliwith a ath benefit of $200,000 when chilen were born. The Cornells currently have 600,000 cash nee for Mortgage anEcation funantotcapitavailable is 950,000(cash plus life insuranbenefit). Marion asks his investment aisor Collins to assess the family’s insurannee in the event Marion of ing this year. To so, Collins uses the nee analysis methobaseon the financita presentebelow anthe following assumptions:请问， 为什么600,000 cash nee for Mortgage anEcation fun不从totcapitavailable 里头扣除， 然后在与计算出的$691,863 做差？