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1、Copyright 2009 Pearson Education, Inc. Publishing as Prentice Hall1目标目标解释复利和贴现的概念并提供现实生活应用的例子Copyright 2009 Pearson Education, Inc. Publishing as Prentice Hall2Copyright 2009 Pearson Education, Inc. Publishing as Prentice Hall3Copyright 2009 Pearson Education, Inc. Publishing as Prentice Hall4Copyri
2、ght 2009 Pearson Education, Inc. Publishing as Prentice Hall5Copyright 2009 Pearson Education, Inc. Publishing as Prentice Hall61 Year$1.12 Years$1.213 Years$1.3314 Years$1.4641Copyright 2009 Pearson Education, Inc. Publishing as Prentice Hall7Copyright 2009 Pearson Education, Inc. Publishing as Pre
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19、n, Inc. Publishing as Prentice Hall56500,13$03.0*)1.01(*500000$Points000,450$)1.01(*500000$LoanCopyright 2009 Pearson Education, Inc. Publishing as Prentice Hall57niPVFV PMTResult360 0.5% 450,0000?-2,697.98每月还款额Copyright 2009 Pearson Education, Inc. Publishing as Prentice Hall58Copyright 2009 Pearso
20、n Education, Inc. Publishing as Prentice Hall59Amortization of Principal0.0050000.00100000.00150000.00200000.00250000.00300000.00350000.00400000.00450000.00024487296120144168192216240264288312336360MonthsOutstanding BalanceCopyright 2009 Pearson Education, Inc. Publishing as Prentice Hall60Percent o
21、f Interest and Principal0%10%20%30%40%50%60%70%80%90%100%024487296120144168192216240264288312336360MonthsPercent% Interest% PrincipalCopyright 2009 Pearson Education, Inc. Publishing as Prentice Hall61Copyright 2009 Pearson Education, Inc. Publishing as Prentice Hall62$10,000$11,000 1,000,0001,030,0
22、00Time10% $/$ (direct)0.01 $/3% / ? $/U.S.A.JapanCopyright 2009 Pearson Education, Inc. Publishing as Prentice Hall63Copyright 2009 Pearson Education, Inc. Publishing as Prentice Hall64$10,000$11,124$11,000 1,000,0001,030,000Time10% $/$ (direct)0.01 $/3% /0.0108 $/U.S.A.JapanCopyright 2009 Pearson E
23、ducation, Inc. Publishing as Prentice Hall65Copyright 2009 Pearson Education, Inc. Publishing as Prentice Hall66$10,000$10,918 $11,000 1,000,0001,030,000Time10% $/$ (direct)0.01 $/3% / 0.0106 $/U.S.A.JapanCopyright 2009 Pearson Education, Inc. Publishing as Prentice Hall67Copyright 2009 Pearson Education, Inc. Publishing as Prentice Hall68$10,000$11,000 $11,000 1,000,0001,030,000Time10% $/$ (dir
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