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ZAA · 2019年11月07日

问一道题:NO.PZ2017092702000018

问题如下:

Given the  discount rate of 4% a year compounded annually, the present value (PV)of 50,000, as of the end of Year 5 (PV5 ), of the cash flow received at the end of Year 20 is closest to:

选项:

A.

$22,819.

B.

$27,763.

C.

$28,873.

解释:

B is correct.

The PV in Year 5 of a $50,000 lump sum paid in Year 20 is $27,763.23 (where FV is future value): PV = FVN(1 + r)N PV = $50,000(1 + 0.04)15 PV = $27,763.23

题目的题干是什么意思,梅读懂

1 个答案

星星_品职助教 · 2019年11月08日

同学你好,

这题说的确实比较绕。分拆开来说哈。

首先解决英文比较绕的问题,其实就是20年后会收到一笔5w,问这笔5w如果折现的话,现值是多少?做完这步转化就会发现其实就是一个简单的已知FV求PV的过程。

然后再解决陷阱,这笔现值不是折到0时点的,而是折到5时点,所以N在这里不是20,而是15.

所以直接计算器 FV=50000,N=15,I/Y=4,PMT=0,CPT PV即可,加油。

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