2020骞翠竴绱�(j铆)寤洪€犲斧銆婂伐绋嬬稉(j墨ng)婵�(j矛)銆嬫瘡鏃ヤ竴绶�(12鏈�22鏃�)
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姝e湪鍌欒€�2020骞翠竴绱�(j铆)寤洪€犲斧鑰冭│鐨勮€冪敓锛屾偍鍙互榛�(di菐n)鎿婃枃绔犲簳閮ㄦ寜閳�锛屽厤璨�(f猫i)涓嬭級2020骞翠竴寤哄倷鑰冪簿鍝佽硣鏂�锛屽叏鍔涗互璧村倷鑰�2020骞磋€冭│锛�
鐩搁棞(gu膩n)鎺ㄨ枽锛�2020涓€绱�(j铆)寤洪€犲斧銆婂悇绉戙€�12鏈堟瘡鏃ヤ竴绶村尟绺�
2020涓€绱�(j铆)寤洪€犲斧銆婂伐绋嬬稉(j墨ng)婵�(j矛)銆嬫瘡鏃ヤ竴绶�(12鏈�22鏃�)
1.銆愬柈閬搞€戝勾鍒╃巼鐐�12%锛屾寜瀛e害寰�(f霉)鍒╄▓(j矛)鎭�锛屽墖鍗婂勾鏈熺殑瀵�(sh铆)闅涘埄鐜囩偤( )銆�
A.6.00%
B.6.09%
C.6.07%
D.6.12%
2.銆愬閬搞€戝皪(du矛)鍚嶇京鍒╃巼鍜屽(sh铆)闅涘埄鐜囩悊瑙f纰虹殑鏄�( )銆�
A.鍚嶇京鍒╃巼鏄互涓€骞寸偤瑷�(j矛)鎭熀绀�(ch菙)锛岀瓑浜庢瘡涓€瑷�(j矛)鎭湡鐨勫埄鐜囪垏姣忓勾鐨勮▓(j矛)鎭湡鏁�(sh霉)鐨勪箻绌�
B.鐣�(d膩ng)寰�(f霉)鍒╄▓(j矛)鎭湡鐐�1骞存檪(sh铆)锛屽墖鍚嶇京鍒╃巼绛変簬鏈夋晥鍒╃巼
C.鐣�(d膩ng)鍚嶇京鍒╃巼涓€瀹氭檪(sh铆)锛岃▓(j矛)鎭湡瓒婂锛屾湁鏁堝勾鍒╃巼瓒婁綆
D.瀵�(sh铆)闅涘埄鐜囨槸閲囩敤鍠埄瑷�(j矛)鎭柟娉�锛屾妸鍚勭ó涓嶅悓瑷�(j矛)鎭殑鍒╃巼鎻涚畻鎴愪互骞寸偤瑷�(j矛)鎭湡鐨勫埄鐜�
E.鍚嶇京鍒╃巼鍜屽(sh铆)闅涘埄鐜囬兘閲囩敤鍠埄瑷�(j矛)鎭硶
3.銆愬柈閬搞€戞煇浼佹キ(y猫)闇€鍚戦妧琛岃哺娆�锛岀従(xi脿n)鏈�4绋€熸鏂规锛岀敳閵€琛岃哺娆惧勾鍒╃巼8%锛屾寜瀛h▓(j矛)鎭�;涔欓妧琛岃哺娆惧勾鍒╃巼8%锛屾寜鏈堣▓(j矛)鎭�;涓欓妧琛岃哺娆惧勾鍒╃巼7.8%锛屾寜瀛h▓(j矛)鎭�;涓侀妧琛岃哺娆惧勾鍒╃巼7.8%锛屾寜鏈堣▓(j矛)鎭�锛屽墖瑭蹭紒妤�(y猫)鎳�(y墨ng)鍚�( )閵€琛岄€�(j矛n)琛岃哺娆俱€�
A.鐢�
B.涔�
C.涓�
D.涓�
銆愮瓟妗堣В鏋愯珛(q菒ng)缈婚爜(y猫)鏌ョ湅銆�
鐩搁棞(gu膩n)鎺ㄨ枽锛�2020涓€绱�(j铆)寤洪€犲斧銆婂悇绉戙€�12鏈堟瘡鏃ヤ竴绶村尟绺�
2020涓€绱�(j铆)寤洪€犲斧銆�宸ョ▼缍�(j墨ng)婵�(j矛)銆嬫瘡鏃ヤ竴绶�(12鏈�22鏃�)绛旀
1.銆愮瓟妗堛€態
銆愯В鏋愩€戝崐骞存湡鐨勫(sh铆)闅涘埄鐜�=(1+12%/4)^2-1=6.09%銆�
2. 銆愮瓟妗堛€慉B
銆愯В鏋愩€戞墍璎傚悕缇╁埄鐜囨槸鎸囪▓(j矛)鎭懆鏈熷埄鐜囦箻浠ヤ竴骞村収(n猫i)鐨勮▓(j矛)鎭懆鏈熸暩(sh霉)m鎵€寰楃殑骞村埄鐜�銆傛湁鏁堝埄鐜囨槸鎸囪硣閲戝湪瑷�(j矛)鎭腑鎵€鐧�(f膩)鐢熺殑瀵�(sh铆)闅涘埄鐜囥€侫姝g⒑銆�
鐣�(d膩ng)瑷�(j矛)鎭懆鏈熺偤涓€骞存檪(sh铆)锛屽悕缇╁埄鐜囪垏鏈夋晥鍒╃巼鐩哥瓑銆侭姝g⒑銆�
鐣�(d膩ng)鍚嶇京鍒╃巼涓€瀹氭檪(sh铆)锛岃▓(j矛)鎭懆鏈熻秺澶氾紝鏈夋晥鍒╃巼瓒婇珮銆侰閷�(cu貌)瑾ゃ€�
瀵�(sh铆)闅涘埄鐜囨槸閲囩敤寰�(f霉)鍒╄▓(j矛)鎭柟娉�锛屾妸鍚勭ó涓嶅悓瑷�(j矛)鎭殑鍒╃巼鎻涚畻鎴愪互骞寸偤瑷�(j矛)鎭湡鐨勫埄鐜囥€侱閷�(cu貌)瑾�銆�
骞存湁鏁堝埄鐜囧拰鍚嶇京鍒╃巼鐨勯棞(gu膩n)绯诲(sh铆)璩�(zh矛)涓婅垏寰�(f霉)鍒╁拰鍠埄鐨勯棞(gu膩n)绯讳竴妯c€侲閷�(cu貌)瑾�銆�
3. 銆愮瓟妗堛€慍
銆愯В鏋愩€戞牴鎿�(j霉)鍏紡ieff=(1+r/m)m-1鍒嗗垾瑷�(j矛)绠楀緱锛�
鐢诧細ieff=(1+8%/4)4-1=8.24%;
涔欙細ieff=(1+8%/12)12-1=8.29%;
涓欙細ieff=(1+7.8%/4)4-1=8.03%;
?銆傜eff=(1+7.8%/12)12-1=8.08%;
鏁呬笝閵€琛屾湁鏁堝埄鐜囨渶浣庯紝鎳�(y墨ng)鍚戜笝璨告銆�
浠ヤ笂灏辨槸灏忕法鏁寸悊鐨�2020涓€绱�(j铆)寤洪€犲斧銆�宸ョ▼缍�(j墨ng)婵�(j矛)銆嬫瘡鏃ヤ竴绶�(12鏈�22鏃�)锛屽鏋滄兂鍙婃檪(sh铆)浜嗚В2020骞翠竴绱�(j铆)寤洪€犲斧鑰冭│鍫�(b脿o)鍚嶆檪(sh铆)闁�銆佽€冭│鏅�(sh铆)闁撶瓑锛屽彲浠� 鍏嶈不(f猫i)闋�(y霉)绱勭煭淇℃彁閱�锛岄爯(y霉)绱勬垚鍔熺殑鑰冪敓灏囨渻(hu矛)鍦ㄦ檪(sh铆)闁撳叕甯冨悗鍙婃檪(sh铆)婧�(zh菙n)纰哄湴鎺ユ敹鍒扮浉闂�(gu膩n)鐨勮€冭│淇℃伅閫氱煡锛�
鐩搁棞(gu膩n)鎺ㄨ枽锛�浠ヤ笅鍏�(n猫i)瀹规槸2020骞翠竴绱�(j铆)寤洪€犲斧鍚勭12鏈堢殑姣忔棩涓€绶村尟绺�锛屾湁闇€瑕佺殑鑰冪敓鍙互榛�(di菐n)鎿婃煡鐪�銆�
鍏叡绉戠洰锛�銆婂伐绋嬫硶瑕�(gu墨)銆�
灏�(zhu膩n)妤�(y猫)绉戠洰锛�銆婃按鍒╁伐绋嬨€�
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