UC知道有Finance高手帮帮忙解决几道问题吗？
来源：百度知道 编辑：UC知道 时间：2024/06/15 13:28:35
第一题
What is the value of $250 invested for one year at a continuously compounded annual rate of 6.5%？
第二题
I took a car loan of $20,000 from my credit union. The loan carries an annual interest of 6% and is to be repaid in 30 equal monthly payments. Calculate the monthly payment.
麻烦大家帮忙解答并注明过程（不是用Finance专用计算器算！）回答很好的话有更多加分。
谢谢高人指点～～
What is the value of $250 invested for one year at a continuously compounded annual rate of 6.5%？
第二题
I took a car loan of $20,000 from my credit union. The loan carries an annual interest of 6% and is to be repaid in 30 equal monthly payments. Calculate the monthly payment.
麻烦大家帮忙解答并注明过程（不是用Finance专用计算器算！）回答很好的话有更多加分。
谢谢高人指点～～
1).continuously compounded 是指连续复利,本金为C、期限为T年、利率为r的连续复利终值为P=C*[e^(rT)],代入C=250,r=0.065,T=1,e为自然对数,约等于2.71828,得P=250*[2.71828^0.065]=266.79
2).事实上是要求一个每月还款X元,连续还30个月,年利率为6%,这30个月还款的折现值总和是你的债款20000元.相当于求一个每月X元,持续30个月,月利率为6%/12=0.5%的年金,使得年金净现值为20000元.由年金净现值计算公式:
PV=(C/r)*[1-1/(1+r)^T],代入PV=20000,r=0.005,T=30,解得C=719.58元.
即每月还719.58元,
第一题应该是年金的问题，第二道是按谒分期偿还的问题，按相关原理答答
牛气