2012閫犲児(ji脿)鍝�:宸ョ▼閫犲児(ji脿)鍩虹(ch菙)鐭ヨ瓨(1)


銆€銆€(涓€)銆侀爯(y霉)鍌欒不(f猫i)
銆€銆€1銆佸熀鏈爯(y霉)鍌欒不(f猫i) 鍩烘湰闋�(y霉)鍌欒不(f猫i)
銆€銆€=(瑷�(sh猫)鍌欏強宸ュ櫒鍏疯臣缃不(f猫i)+寤虹瓚瀹夎宸ョ▼璨�(f猫i)鐢�+宸ョ▼寤鸿ō(sh猫)鍏朵粬璨�(f猫i)鐢�)脳鍩烘湰闋�(y霉)鍌欒不(f猫i)璨�(f猫i)鐜�
銆€銆€=(宸ョ▼璨�(f猫i)鐢�+宸ョ▼寤鸿ō(sh猫)鍏朵粬璨�(f猫i)鐢�)脳鍩烘湰闋�(y霉)鍌欒不(f猫i)璨�(f猫i)鐜�
銆€銆€娉ㄦ剰鍩烘暩(sh霉)鏄細
銆€銆€(宸ョ▼璨�(f猫i)鐢�+宸ョ▼寤鸿ō(sh猫)鍏朵粬璨�(f猫i)鐢�)
銆€銆€2銆佹疾鍍�(ji脿)闋�(y霉)鍌欒不(f猫i)
銆€銆€寮忎腑锛�
銆€銆€PF鈥曗€曟疾鍍�(ji脿)闋�(y霉)鍌欒不(f猫i);
銆€銆€n鈥曗€曞缓瑷�(sh猫)鏈熷勾浠芥暩(sh霉);
銆€銆€It鈥曗€曞缓瑷�(sh猫)鏈熶腑绗瑃骞寸殑鎶曡硣瑷�(j矛)鍔冮锛屽寘鎷伐绋嬭不(f猫i)鐢�銆佸伐绋嬪缓瑷�(sh猫)鍏朵粬璨�(f猫i)鐢ㄥ強鍩烘湰闋�(y霉)鍌欒不(f猫i);鍗崇t骞寸殑闈滄厠(t脿i)鎶曡硣
銆€銆€f鈥曗€曞勾鍧囨姇璩囧児(ji脿)鏍间笂婕茬巼;
銆€銆€m鈥曗€曞缓瑷�(sh猫)鍓嶆湡骞撮檺(寰炵法鍒朵及绠楀埌闁嬪伐寤鸿ō(sh猫))銆� 娉ㄦ剰锛氭铏曞拰妗堜緥鍒嗘瀽鏁欐潗鐨勮▓(j矛)绠椾笉涓€妯�銆傞櫎闈炴湁鐗规畩瑾槑锛岃€冭│浠ユ鍏紡鐐轰富銆�
銆€銆€涓€鑸渻鍥為伩鑰冭│銆�
銆€銆€銆愪緥銆戞煇寤鸿ō(sh猫)闋�(xi脿ng)鐩缓瀹夊伐绋嬭不(f猫i)5000钀厓锛岃ō(sh猫)鍌欒臣缃不(f猫i)3000钀厓锛屽伐绋嬪缓瑷�(sh猫)鍏朵粬璨�(f猫i)鐢�2000钀厓锛屽凡鐭ュ熀鏈爯(y霉)鍌欒不(f猫i)鐜�5%锛岄爡(xi脿ng)鐩缓瑷�(sh猫)鍓嶆湡骞撮檺鐐�1骞�锛屽缓瑷�(sh猫)鏈熺偤3骞�锛屽悇骞存姇璩囪▓(j矛)鍔冮濡備笅锛岀涓€骞村畬鎴愭姇璩�20%锛岀浜屽勾60%锛岀涓夊勾20%锛屽勾鍧囨姇璩囧児(ji脿)鏍间笂婕茬巼鐐�6%锛屾眰寤鸿ō(sh猫)闋�(xi脿ng)鐩缓瑷�(sh猫)鏈熼枔婕插児(ji脿)闋�(y霉)鍌欒不(f猫i)銆�
銆€銆€瑙o細鍩烘湰闋�(y霉)鍌欒不(f猫i)=(5000+3000+2000)脳5%=500钀厓
銆€銆€闈滄厠(t脿i)鎶曡硣=5000+3000+2000+500=10500钀厓
銆€銆€寤鸿ō(sh猫)鏈熺涓€骞村畬鎴愭姇璩�=10500脳20%=210钀厓
銆€銆€绗竴骞存疾鍍�(ji脿)闋�(y霉)鍌欒不(f猫i)鐐猴細PF1=I1[(1+f)(1+f)0.5-1]=19.18钀厓
銆€銆€绗簩骞村畬鎴愭姇璩�=10500脳60%=630钀厓
銆€銆€绗簩骞存疾鍍�(ji脿)闋�(y霉)鍌欒不(f猫i)鐐猴細PF2=I2[(1+f)(1+f)0.5(1+f)-1]=98.79钀厓
銆€銆€绗笁骞村畬鎴愭姇璩�=10500脳20%=210钀厓
銆€銆€绗笁骞存疾鍍�(ji脿)闋�(y霉)鍌欒不(f猫i)鐐猴細PF3=I3[(1+f)(1+f)0.5(1+f)2-1]=47.51钀厓
銆€銆€鎵€浠�锛屽缓瑷�(sh猫)鏈熺殑婕插児(ji脿)闋�(y霉)鍌欒不(f猫i)鐐猴細
銆€銆€PF=19.18+98.79+47.51=165.48钀厓
銆€銆€(浜�)銆佸缓瑷�(sh猫)鏈熻哺娆惧埄鎭� 涓€鑸湪妗堜緥涓嚭鐝�(xi脿n)鐨勮哺娆炬槸鍒嗗勾鍧囪 鐧�(f膩)鏀撅紝寤鸿ō(sh猫)鏈熷収(n猫i)鍒╂伅鍙▓(j矛)鎭笉鏀粯
銆€銆€寮忎腑qj鈥曗€曞缓瑷�(sh猫)鏈熺j骞存噳(y墨ng)瑷�(j矛)鍒╂伅;
銆€銆€Pj-1鈥曗€曞缓瑷�(sh猫)鏈熺(j-1)骞存湯璨告绱▓(j矛)閲戦鑸囧埄鎭疮瑷�(j矛)閲戦涔嬪拰;
銆€銆€Aj鈥曗€曞缓瑷�(sh猫)鏈熺j骞磋哺娆鹃噾椤�;
銆€銆€i鈥曗€曞勾鍒╃巼銆�
銆€銆€(渚�)鏌愭柊寤洪爡(xi脿ng)鐩�锛屽缓瑷�(sh猫)鏈熺偤3骞达紝鍒嗗勾鍧囪 閫�(j矛n)琛岃哺娆�锛岀涓€骞磋哺娆�300钀厓锛岀浜屽勾600钀厓锛岀涓夊勾400钀厓锛屽勾鍒╃巼鐐�12%锛屽缓瑷�(sh猫)鏈熷収(n猫i)鍒╂伅鍙▓(j矛)鎭笉鏀粯锛岃▓(j矛)绠楀缓瑷�(sh猫)鏈熻哺娆惧埄鎭�銆�
銆€銆€瑙o細鍦ㄥ缓瑷�(sh猫)鏈燂紝鍚勫勾鍒╂伅瑷�(j矛)绠楀涓嬶細
銆€銆€=18(钀厓)
銆€銆€=( )•i=(300+18+ ) 12%=74.16(钀厓)
銆€銆€=( + )•i=(318+600+74.16 400) 12%=143.06(钀厓)
銆€銆€鎵€浠�锛屽缓瑷�(sh猫)鏈熻哺娆惧埄鎭�= + + =18+74.16+143.06=235.22(钀厓)
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