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Lee13 · 2022年02月12日

老师您好,请问列表当中的数字是怎么算出来的呢?为什么第一年是4*4这样以此类推?不太理解,麻烦解答一下,谢谢!

NO.PZ2018062016000010

问题如下:

Mary has a separate account for her annual savings which has a stated annual rate of 3% and compounding quarterly. At the end of each year, she transfers unequal cash flows into this account. Year 1: $500, Year 2: $800, Year 3: $0, Year 4: $300, Year 5: $500. How much will Mary save for her account at the end of year 5?

选项:

A.

$2246.81

B.

$2247.65

C.

$2281.00

解释:

B is correct.

Mary has a separate account for her annual savings which has a stated annual rate of 3% and compounding quarterly. At the end of each year, she transfers unequal cash flows into this account. Year 1: $500, Year 2: $800, Year 3: $0, Year 4: $300, Year 5: $500. How much will Mary save for her account at the end of year 5?

您的回答C, 正确答案是: B 

A

$2246.81

B

$2247.65

C

不正确$2281.00

数据统计(全部)

做对次数: 1705

做错次数: 489

正确率: 77.71% 

数据统计(个人)

做对次数: 0

做错次数: 1

正确率: 0.00% 

解析

B is correct.

1 个答案

星星_品职助教 · 2022年02月12日

同学你好,

本题的计息频率为compounding quarterly,即一年计息4次。

所以按照季度利率3%/4=0.75%对于每笔现金流分别进行复利。第一笔500复利到四年后就复利了4×4=16次,即 500× (1+0.75%)^16;

第二笔800复利到三年后就复利了4×3=12次,即800×(1+0.75%)^12。以此类推即可。

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