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Noraff · 2023年07月18日

老师这个是算先付年金还是后付呢?

NO.PZ2018062016000018

问题如下:

Four years ago, Joy put $2,000 into her bank account for house decoration which compounded annually with annual interest rate of 3%.  At present, Joy changes her plan and decide to deposit the money for another five years. The present value of Joy’s account is about:

选项:

A.

$2610

B.

$2251

C.

$2319

解释:

B is correct. The present value is the original deposit compounded annually for four years, which is $2,000*(1+3%)4=$2251.

用计算器算的话是end还是bgn

1 个答案
已采纳答案

星星_品职助教 · 2023年07月19日

同学你好,

先付和后付年金的先后针对的是期间现金流,即PMT。

本题没有PMT的存在,不涉及先后问题。如果用计算器来按,会发现设置END和BGN最后得到的结果是一样的。