{"id":2378,"date":"2024-12-10T09:35:00","date_gmt":"2024-12-10T01:35:00","guid":{"rendered":"http:\/\/www.lycfbj.com\/?p=2378"},"modified":"2024-12-09T21:38:11","modified_gmt":"2024-12-09T13:38:11","slug":"%e5%a6%82%e4%bd%95%e8%ae%a1%e7%ae%97%e6%b1%bd%e8%bd%a6%e6%8a%b5%e6%8a%bc%e8%b4%b7%e6%ac%be%e7%9a%84%e8%bf%98%e6%ac%be%e9%87%91%e9%a2%9d%ef%bc%9f","status":"publish","type":"post","link":"http:\/\/www.lycfbj.com\/2378.html","title":{"rendered":"\u5982\u4f55\u8ba1\u7b97\u6c7d\u8f66\u62b5\u62bc\u8d37\u6b3e\u7684\u8fd8\u6b3e\u91d1\u989d\uff1f"},"content":{"rendered":"\n<p>\u8ba1\u7b97\u6c7d\u8f66\u62b5\u62bc\u8d37\u6b3e\u7684\u8fd8\u6b3e\u91d1\u989d\u4e3b\u8981\u53d6\u51b3\u4e8e\u6240\u9009\u62e9\u7684\u8fd8\u6b3e\u65b9\u5f0f\u3001\u8d37\u6b3e\u672c\u91d1\u3001\u8d37\u6b3e\u671f\u9650\u4ee5\u53ca\u8d37\u6b3e\u5229\u7387\u7b49\u56e0\u7d20\u3002\u4ee5\u4e0b\u662f\u4e24\u79cd\u5e38\u89c1\u7684\u8fd8\u6b3e\u65b9\u5f0f\u2014\u2014\u7b49\u989d\u672c\u606f\u548c\u7b49\u989d\u672c\u91d1\u7684\u5177\u4f53\u8ba1\u7b97\u65b9\u6cd5\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1.&nbsp;<strong>\u7b49\u989d\u672c\u606f\u8fd8\u6b3e\u6cd5<\/strong><\/h3>\n\n\n\n<p>\u7b49\u989d\u672c\u606f\u662f\u6307\u5728\u8d37\u6b3e\u671f\u5185\u6bcf\u6708\u507f\u8fd8\u76f8\u7b49\u7684\u91d1\u989d\uff0c\u5176\u4e2d\u5305\u542b\u90e8\u5206\u672c\u91d1\u548c\u5f53\u6708\u4ea7\u751f\u7684\u5229\u606f\u3002\u968f\u7740\u8d37\u6b3e\u4f59\u989d\u9010\u6e10\u51cf\u5c11\uff0c\u6bcf\u6708\u652f\u4ed8\u7684\u5229\u606f\u9010\u6e10\u51cf\u5c11\uff0c\u800c\u672c\u91d1\u7684\u6bd4\u4f8b\u9010\u6e10\u589e\u52a0\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u8ba1\u7b97\u516c\u5f0f\uff1a<\/h4>\n\n\n\n<p>\u6708\u8fd8\u6b3e\u989d=\u8d37\u6b3e\u672c\u91d1\u00d7\u6708\u5229\u7387\u00d7(1+\u6708\u5229\u7387)\u8fd8\u6b3e\u6708\u6570(1+\u6708\u5229\u7387)\u8fd8\u6b3e\u6708\u6570\u22121\u6708\u8fd8\u6b3e\u989d=(1+\u6708\u5229\u7387)\u8fd8\u6b3e\u6708\u6570\u22121\u8d37\u6b3e\u672c\u91d1\u00d7\u6708\u5229\u7387\u00d7(1+\u6708\u5229\u7387)\u8fd8\u6b3e\u6708\u6570\u200b<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u8d37\u6b3e\u672c\u91d1<\/strong>\uff1a\u5373\u501f\u6b3e\u4eba\u4ece\u8d37\u6b3e\u673a\u6784\u83b7\u5f97\u7684\u8d37\u6b3e\u603b\u989d\u3002<\/li>\n\n\n\n<li><strong>\u6708\u5229\u7387<\/strong>\uff1a\u5e74\u5229\u7387\u9664\u4ee512\u4e2a\u6708\uff0c\u4f8b\u5982\u5e74\u5229\u7387\u4e3a6%\uff0c\u5219\u6708\u5229\u7387\u4e3a\u00a06%12=0.5%126%\u200b=0.5%\u00a0\u6216 0.005\u3002<\/li>\n\n\n\n<li><strong>\u8fd8\u6b3e\u6708\u6570<\/strong>\uff1a\u8d37\u6b3e\u671f\u9650\uff08\u5e74\uff09\u4e58\u4ee512\u4e2a\u6708\uff0c\u4f8b\u59823\u5e74\u671f\u8d37\u6b3e\u7684\u8fd8\u6b3e\u6708\u6570\u4e3a\u00a03\u00d712=363\u00d712=36\u00a0\u4e2a\u6708\u3002<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\u793a\u4f8b\uff1a<\/h4>\n\n\n\n<p>\u5047\u8bbe\u8d37\u6b3e\u672c\u91d1\u4e3a10\u4e07\u5143\uff0c\u5e74\u5229\u7387\u4e3a6%\uff0c\u8d37\u6b3e\u671f\u9650\u4e3a3\u5e74\uff0836\u4e2a\u6708\uff09\uff0c\u90a3\u4e48\u6708\u8fd8\u6b3e\u989d\u7684\u8ba1\u7b97\u5982\u4e0b\uff1a \u6708\u8fd8\u6b3e\u989d=100,000\u00d70.005\u00d7(1+0.005)36(1+0.005)36\u22121\u6708\u8fd8\u6b3e\u989d=(1+0.005)36\u22121100,000\u00d70.005\u00d7(1+0.005)36\u200b \u6708\u8fd8\u6b3e\u989d\u2248100,000\u00d70.005\u00d71.19671.1967\u22121\u6708\u8fd8\u6b3e\u989d\u22481.1967\u22121100,000\u00d70.005\u00d71.1967\u200b \u6708\u8fd8\u6b3e\u989d\u2248100,000\u00d70.005\u00d71.19670.1967\u6708\u8fd8\u6b3e\u989d\u22480.1967100,000\u00d70.005\u00d71.1967\u200b \u6708\u8fd8\u6b3e\u989d\u2248598.350.1967\u6708\u8fd8\u6b3e\u989d\u22480.1967598.35\u200b \u6708\u8fd8\u6b3e\u989d\u22483,042.26\u6708\u8fd8\u6b3e\u989d\u22483,042.26<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u6bcf\u6708\u8fd8\u6b3e\u989d\u7ea6\u4e3a <strong>3,042.26\u5143<\/strong>\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2.&nbsp;<strong>\u7b49\u989d\u672c\u91d1\u8fd8\u6b3e\u6cd5<\/strong><\/h3>\n\n\n\n<p>\u7b49\u989d\u672c\u91d1\u662f\u6307\u5728\u8fd8\u6b3e\u671f\u5185\u5c06\u8d37\u6b3e\u672c\u91d1\u5e73\u5747\u5206\u644a\u5230\u6bcf\u4e2a\u6708\u4e2d\uff0c\u6bcf\u6708\u507f\u8fd8\u76f8\u540c\u7684\u672c\u91d1\u91d1\u989d\uff0c\u4f46\u5229\u606f\u662f\u6839\u636e\u5269\u4f59\u8d37\u6b3e\u4f59\u989d\u9010\u6708\u9012\u51cf\u7684\u3002\u56e0\u6b64\uff0c\u6bcf\u6708\u7684\u8fd8\u6b3e\u603b\u989d\u4f1a\u9010\u6e10\u51cf\u5c11\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u8ba1\u7b97\u516c\u5f0f\uff1a<\/h4>\n\n\n\n<p>\u6bcf\u6708\u8fd8\u6b3e\u989d=\u8d37\u6b3e\u672c\u91d1\u8fd8\u6b3e\u6708\u6570+(\u8d37\u6b3e\u672c\u91d1\u2212\u5df2\u8fd8\u672c\u91d1\u7d2f\u8ba1)\u00d7\u6708\u5229\u7387\u6bcf\u6708\u8fd8\u6b3e\u989d=\u8fd8\u6b3e\u6708\u6570\u8d37\u6b3e\u672c\u91d1\u200b+(\u8d37\u6b3e\u672c\u91d1\u2212\u5df2\u8fd8\u672c\u91d1\u7d2f\u8ba1)\u00d7\u6708\u5229\u7387<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u8d37\u6b3e\u672c\u91d1<\/strong>\uff1a\u540c\u4e0a\u3002<\/li>\n\n\n\n<li><strong>\u6708\u5229\u7387<\/strong>\uff1a\u540c\u4e0a\u3002<\/li>\n\n\n\n<li><strong>\u8fd8\u6b3e\u6708\u6570<\/strong>\uff1a\u540c\u4e0a\u3002<\/li>\n\n\n\n<li><strong>\u5df2\u8fd8\u672c\u91d1\u7d2f\u8ba1<\/strong>\uff1a\u6307\u622a\u81f3\u5f53\u524d\u6708\u4efd\u4e3a\u6b62\u5df2\u7ecf\u507f\u8fd8\u7684\u672c\u91d1\u603b\u989d\u3002<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\u793a\u4f8b\uff1a<\/h4>\n\n\n\n<p>\u5047\u8bbe\u8d37\u6b3e\u672c\u91d1\u4e3a10\u4e07\u5143\uff0c\u5e74\u5229\u7387\u4e3a6%\uff0c\u8d37\u6b3e\u671f\u9650\u4e3a3\u5e74\uff0836\u4e2a\u6708\uff09\uff0c\u90a3\u4e48\u7b2c\u4e00\u6708\u7684\u8fd8\u6b3e\u989d\u8ba1\u7b97\u5982\u4e0b\uff1a \u6bcf\u6708\u8fd8\u6b3e\u672c\u91d1=100,00036=2,777.78\u6bcf\u6708\u8fd8\u6b3e\u672c\u91d1=36100,000\u200b=2,777.78 \u7b2c\u4e00\u6708\u5229\u606f=100,000\u00d70.005=500\u7b2c\u4e00\u6708\u5229\u606f=100,000\u00d70.005=500 \u7b2c\u4e00\u6708\u8fd8\u6b3e\u603b\u989d=2,777.78+500=3,277.78\u7b2c\u4e00\u6708\u8fd8\u6b3e\u603b\u989d=2,777.78+500=3,277.78<\/p>\n\n\n\n<p>\u7b2c\u4e8c\u6708\u7684\u8fd8\u6b3e\u989d\u8ba1\u7b97\u5982\u4e0b\uff1a \u7b2c\u4e8c\u6708\u5229\u606f=(100,000\u22122,777.78)\u00d70.005=486.11\u7b2c\u4e8c\u6708\u5229\u606f=(100,000\u22122,777.78)\u00d70.005=486.11 \u7b2c\u4e8c\u6708\u8fd8\u6b3e\u603b\u989d=2,777.78+486.11=3,263.89\u7b2c\u4e8c\u6708\u8fd8\u6b3e\u603b\u989d=2,777.78+486.11=3,263.89<\/p>\n\n\n\n<p>\u4f9d\u6b64\u7c7b\u63a8\uff0c\u6bcf\u6708\u7684\u8fd8\u6b3e\u603b\u989d\u4f1a\u9010\u6e10\u51cf\u5c11\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3.&nbsp;<strong>\u5176\u4ed6\u8fd8\u6b3e\u65b9\u5f0f<\/strong><\/h3>\n\n\n\n<p>\u9664\u4e86\u7b49\u989d\u672c\u606f\u548c\u7b49\u989d\u672c\u91d1\u5916\uff0c\u8fd8\u6709\u4e00\u4e9b\u5176\u4ed6\u7684\u8fd8\u6b3e\u65b9\u5f0f\uff0c\u5982\u5148\u606f\u540e\u672c\u3001\u4e00\u6b21\u6027\u8fd8\u6e05\u7b49\uff0c\u5177\u4f53\u8ba1\u7b97\u65b9\u6cd5\u6709\u6240\u4e0d\u540c\u3002\u8fd9\u4e9b\u65b9\u5f0f\u901a\u5e38\u9002\u7528\u4e8e\u7279\u5b9a\u7684\u501f\u6b3e\u9700\u6c42\u6216\u77ed\u671f\u8d37\u6b3e\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4.&nbsp;<strong>\u4f7f\u7528\u8d37\u6b3e\u8ba1\u7b97\u5668<\/strong><\/h3>\n\n\n\n<p>\u4e3a\u4e86\u7b80\u5316\u8ba1\u7b97\u8fc7\u7a0b\uff0c\u8bb8\u591a\u91d1\u878d\u673a\u6784\u548c\u5728\u7ebf\u5e73\u53f0\u63d0\u4f9b\u4e86<strong>\u6c7d\u8f66\u8d37\u6b3e\u8ba1\u7b97\u5668<\/strong>\uff0c\u7528\u6237\u53ea\u9700\u8f93\u5165\u8d37\u6b3e\u672c\u91d1\u3001\u8d37\u6b3e\u671f\u9650\u3001\u5e74\u5229\u7387\u7b49\u4fe1\u606f\uff0c\u5373\u53ef\u5feb\u901f\u5f97\u5230\u6bcf\u6708\u8fd8\u6b3e\u989d\u548c\u603b\u5229\u606f\u652f\u51fa\u3002\u8fd9\u7c7b\u5de5\u5177\u53ef\u4ee5\u5e2e\u52a9\u501f\u6b3e\u4eba\u66f4\u76f4\u89c2\u5730\u4e86\u89e3\u4e0d\u540c\u8fd8\u6b3e\u65b9\u5f0f\u4e0b\u7684\u8fd8\u6b3e\u60c5\u51b5\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5.&nbsp;<strong>\u6ce8\u610f\u4e8b\u9879<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u63d0\u524d\u8fd8\u6b3e<\/strong>\uff1a\u5982\u679c\u501f\u6b3e\u4eba\u8ba1\u5212\u63d0\u524d\u8fd8\u6b3e\uff0c\u9700\u6ce8\u610f\u8d37\u6b3e\u5408\u540c\u4e2d\u662f\u5426\u6709\u63d0\u524d\u8fd8\u6b3e\u7684\u7f5a\u91d1\u6761\u6b3e\u3002\u63d0\u524d\u8fd8\u6b3e\u53ef\u4ee5\u51cf\u5c11\u603b\u5229\u606f\u652f\u51fa\uff0c\u4f46\u4e5f\u53ef\u80fd\u9700\u8981\u652f\u4ed8\u4e00\u5b9a\u7684\u624b\u7eed\u8d39\u3002<\/li>\n\n\n\n<li><strong>\u6d6e\u52a8\u5229\u7387 vs \u56fa\u5b9a\u5229\u7387<\/strong>\uff1a\u6709\u4e9b\u8d37\u6b3e\u91c7\u7528\u6d6e\u52a8\u5229\u7387\uff0c\u8fd9\u610f\u5473\u7740\u8d37\u6b3e\u5229\u7387\u53ef\u80fd\u4f1a\u968f\u5e02\u573a\u53d8\u5316\u800c\u8c03\u6574\u3002\u56fa\u5b9a\u5229\u7387\u5219\u5728\u6574\u4e2a\u8d37\u6b3e\u671f\u95f4\u4fdd\u6301\u4e0d\u53d8\u3002\u9009\u62e9\u54ea\u79cd\u5229\u7387\u53d6\u51b3\u4e8e\u4e2a\u4eba\u7684\u98ce\u9669\u504f\u597d\u548c\u5e02\u573a\u9884\u671f\u3002<\/li>\n\n\n\n<li><strong>\u4fdd\u9669\u548c\u5176\u4ed6\u8d39\u7528<\/strong>\uff1a\u67d0\u4e9b\u8d37\u6b3e\u673a\u6784\u53ef\u80fd\u8981\u6c42\u501f\u6b3e\u4eba\u8d2d\u4e70\u8f66\u8f86\u4fdd\u9669\u6216\u5176\u4ed6\u9644\u52a0\u670d\u52a1\uff0c\u8fd9\u4e9b\u8d39\u7528\u4e5f\u4f1a\u5f71\u54cd\u603b\u7684\u8fd8\u6b3e\u6210\u672c\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u603b\u7ed3<\/h3>\n\n\n\n<p>\u8ba1\u7b97\u6c7d\u8f66\u62b5\u62bc\u8d37\u6b3e\u7684\u8fd8\u6b3e\u91d1\u989d\u9700\u8981\u6839\u636e\u5177\u4f53\u7684\u8fd8\u6b3e\u65b9\u5f0f\u8fdb\u884c\u4e0d\u540c\u7684\u8ba1\u7b97\u3002\u7b49\u989d\u672c\u606f\u9002\u5408\u5e0c\u671b\u6bcf\u6708\u8fd8\u6b3e\u989d\u56fa\u5b9a\u7684\u501f\u6b3e\u4eba\uff0c\u800c\u7b49\u989d\u672c\u91d1\u5219\u9002\u5408\u5e0c\u671b\u5c3d\u5feb\u51cf\u5c11\u8d37\u6b3e\u4f59\u989d\u3001\u964d\u4f4e\u603b\u5229\u606f\u652f\u51fa\u7684\u501f\u6b3e\u4eba\u3002\u5efa\u8bae\u5728\u7533\u8bf7\u8d37\u6b3e\u524d\u4ed4\u7ec6\u6bd4\u8f83\u4e0d\u540c\u8fd8\u6b3e\u65b9\u5f0f\uff0c\u5e76\u4f7f\u7528\u8d37\u6b3e\u8ba1\u7b97\u5668\u8fdb\u884c\u6a21\u62df\u8ba1\u7b97\uff0c\u786e\u4fdd\u9009\u62e9\u9002\u5408\u81ea\u5df1\u7684\u8fd8\u6b3e\u65b9\u6848\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"490\" 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