< 0cm 0pt?>第三题</P>
< 0cm 0pt?>解:<FONT face="Times New Roman">(1) </FONT>设月利率为<FONT face="Times New Roman">r</FONT>,由于按月还款,因此复利按月计算。</P>
< TEXT-INDENT: 0cm 0pt; 36.75pt; mso-char-indent-count: 3.5?>设<FONT face="Times New Roman">a<SUB>i</SUB></FONT>为第<FONT face="Times New Roman">i</FONT>月剩余要还的款,可得到模型为:</P>
<P TEXT-INDENT: 0cm 0pt; 36.75pt; mso-char-indent-count: 3.5?><FONT face="Times New Roman">a<SUB>0</SUB>=15<br><br></FONT>
<P>
<P TEXT-INDENT: 0cm 0pt; 36.75pt; mso-char-indent-count: 3.5?><FONT face="Times New Roman">a<SUB>i</SUB>=a<SUB>i-1</SUB>(1+r)-0.1<br>
<P></FONT>
<P>
<P TEXT-INDENT: 0cm 0pt; 36.75pt; mso-char-indent-count: 3.5?>问题变为求<FONT face="Times New Roman">r</FONT>,使<FONT face="Times New Roman">a<SUB>180</SUB>=0<br>
<P></FONT>
<P>
<P TEXT-INDENT: 0cm 0pt; 36.75pt; mso-char-indent-count: 3.5?>求得利率为<FONT face="Times New Roman">r=0.0020815<br>
<P></FONT>
<P>
<P 18.75pt? list tab-stops: lfo1; level1 l0 mso-list: -18.75pt; TEXT-INDENT: 18.75pt; 0pt 0cm><FONT face="Times New Roman"><FONT size=3>(2) </FONT>
<P></FONT>
<P>
<P TEXT-INDENT: 0cm 0pt; mso-char-indent-count: 21pt; 2.0?><FONT face="Times New Roman">(2.1)</FONT>第一家银行按月还,则复利按月计算,设月利率为<FONT face="Times New Roman">r</FONT>。</P>
<P TEXT-INDENT: 0cm 0pt; 36.75pt; mso-char-indent-count: 3.5?>设<FONT face="Times New Roman">a<SUB>i</SUB></FONT>为第<FONT face="Times New Roman">i</FONT>月剩余要还的款,可得到模型为:</P>
<P TEXT-INDENT: 0cm 0pt; 36.75pt; mso-char-indent-count: 3.5?><FONT face="Times New Roman">a<SUB>0</SUB>=50<br>
<P></FONT>
<P>
<P TEXT-INDENT: 0cm 0pt; 36.75pt; mso-char-indent-count: 3.5?><FONT face="Times New Roman">a<SUB>i</SUB>=a<SUB>i-1</SUB>(1+r)-0.45<br>
<P></FONT>
<P>
<P TEXT-INDENT: 0cm 0pt; 36.75pt; mso-char-indent-count: 3.5?>问题变为求<FONT face="Times New Roman">r</FONT>,使<FONT face="Times New Roman">a<SUB>180</SUB>=0<br>
<P></FONT>
<P>
<P TEXT-INDENT: 0cm 0pt; mso-char-indent-count: 31.5pt; 3.0?>求得利率为<FONT face="Times New Roman">r=0.0058508 <br>
<P></FONT>
<P>
<P TEXT-INDENT: 0cm 0pt; mso-char-indent-count: 21pt; 2.0?><FONT face="Times New Roman">(2.2)</FONT>第二家银行按年还,则复利按年计算,设年利率为<FONT face="Times New Roman">R</FONT>。</P>
<P TEXT-INDENT: 0cm 0pt; 36.75pt; mso-char-indent-count: 3.5?>设<FONT face="Times New Roman">b<SUB>i</SUB></FONT>为第<FONT face="Times New Roman">i年</FONT>剩余要还的款,可得到模型为:</P>
<P TEXT-INDENT: 0cm 0pt; 36.75pt; mso-char-indent-count: 3.5?><FONT face="Times New Roman">b<SUB>0</SUB>=50<br>
<P></FONT>
<P>
<P TEXT-INDENT: 0cm 0pt; 36.75pt; mso-char-indent-count: 3.5?><FONT face="Times New Roman">b<SUB>i</SUB>=b<SUB>i-1</SUB>(1+R)-4.5<br>
<P></FONT>
<P>
<P TEXT-INDENT: 0cm 0pt; 36.75pt; mso-char-indent-count: 3.5?>问题变为求<FONT face="Times New Roman">R</FONT>,使b<FONT face="Times New Roman"><SUB>20</SUB>=0<br>
<P></FONT>
<P>
<P TEXT-INDENT: 0cm 0pt; mso-char-indent-count: 31.5pt; 3.0?>求得利率为<FONT face="Times New Roman">R=0.063948777</FONT></P>折算为月利率为r=R/12=0.0053290647,利率比第一家银行略低。
[此贴子已经被作者于2006-1-5 13:04:27编辑过]
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