終值和現(xiàn)值的計(jì)算
終值又稱將來值,是現(xiàn)在-定量的貨幣折算到未來某-時(shí)點(diǎn)所對(duì)應(yīng)的金額,通常記作F.
現(xiàn)值,是指未來某-時(shí)點(diǎn)上-定量的貨幣折算到現(xiàn)在所對(duì)應(yīng)的金額,通常記作P.
(-)單利、復(fù)利的終值和現(xiàn)值
1.單利的終值和現(xiàn)值
(1)終值F=P×(1+n·i)
(2)現(xiàn)值P=F/(1+n·i)
2.復(fù)利的終值和現(xiàn)值
(1)終值F=P×(1+i)n=P×(F/P,i,n)
(2)現(xiàn)值P=F/(1+i)n=F×(P/F,i,n)