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Scarle · 2022年09月12日

题干中是stated,就是名义对吧

NO.PZ2018062016000017

问题如下:

Bella set a new account for her worldwide-traveling plan. She plans to fund about $100,000 in five years and deposit cash in this account every month. Assume the stated annual rate is 3% and compounded monthly, the amount that Bella has to put into the account each month is:

选项:

A.

$1,547

B.

$1,570

C.

$1,670

解释:

A is correct. Input the following data in the calculator at END mode: N=5*12=60, I/Y=3/12, FV=100,000, PV=0, then PMT=-1,547. Therefore, the monthly deposit for Bella is $1547.

题干中是stated,就是名义对吧,名义年利率,为啥不用算EAR再除以12呢?题干表述的是不是不严谨。如果用3%/12直接算,那3%就不能被称作是名义了吧?

1 个答案

星星_品职助教 · 2022年09月12日

同学你好,

stated annual interest rate为名义/报价利率,stated annual interest rate=实际的期间利率×对应期间。

所以,stated annual interest rate / 期间 =实际的期间利率,套用在本题中,就是3%/12=实际月利率。

-------

实际利率可以直接参与计算,EAR已是实际(年)利率,不需要再除以期间。

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