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FrankSun · 2019年10月27日

问一道题:NO.PZ2017092702000016

问题如下图:

    

选项:

A.

B.

C.

解释:


老师,这题是compounsed mounthly,连续复利。

不应该用EAR吗?我算出来EAR是0.3489左右,答案就不一样了。

1 个答案
已采纳答案

星星_品职助教 · 2019年10月27日

同学你好,

如果是连续复利(continuous compounding)的话,确实需要计算出EAR。1+EAR=e^r

但这道题是compounded monthly,也就是说是按月计息的,所以这种情况就需要用6%/12来计算出期间利率,进而可以使用计算器了。如果算EAR的话就是1+EAR=(1+6%/12)^12

所以要熟悉英文的描述:compound是复利的意思,continuous compounding是连续复利。而如果出现 (stated) annual rate of 6%,compounded semiannually/monthly/weekly/daily等,就是离散的利率,可以算期间利率的。

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