养老金

190262653

设计一个养老金的存储和发放模型,是退休后可领取一千的养老金

190262653

我女朋友问我这个问题,不会!请大家帮忙!

zhouyongjia

<>你女朋友南理工的吧</P>

Stone60823

<>我也做过这个题目，不过那时我还根本不懂数模（现在也不是很懂，呵呵！）
我现在想的话，可以这样用线形规划（单纯形法或是其他）做：
首先假设领取养老金的年限一定（可查找人年平均寿命），优化目标有二个，
初始拥有基金最少，平均每月领取的养老金最多。
选初始拥有基金最少作为目标函数，对应每年领取的养老金为约束条件，将基金分为对应每年领取的存储部分，方案的生成还要对一定年限里存储进行分析（不同期存储组合），具体的我就不说了，将初始拥有基金最少作为LP，得出最优解，那么平均每月领取的养老金最多为DP（对偶问题），也得到了最优化。</P><>以上思路供参考，欢迎大家批评指正！方便的话，做完论文给我看一下呀，学习学习！
呵呵！</P>[em01][em01][em01]

Stone60823

<>下面的可能用的到:</P><><TABLE medium none; BORDER-TOP: medium none; BORDER-LEFT: medium none; WIDTH: 419.4pt; BORDER-BOTTOM: medium none; BORDER-COLLAPSE: collapse; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext" cellSpacing=0 cellPadding=0 width=559 border=1><TR 23.9pt; mso-yfti-irow: 0; mso-yfti-firstrow: yes"><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: windowtext 1pt solid; WIDTH: 68.4pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.9pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt" vAlign=top width=91>< 0cm 0cm 6pt 10.5pt; TEXT-INDENT: -10.5pt; LINE-HEIGHT: 18pt; mso-char-indent-count: -1.0; mso-line-height-rule: exactly">整存整取（<B>%</B>）<p></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.9pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt 10.5pt; TEXT-INDENT: -10.5pt; LINE-HEIGHT: 18pt; mso-char-indent-count: -1.0; mso-line-height-rule: exactly">年利率（<B>%</B>）<p></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.9pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt 10.5pt; TEXT-INDENT: -10.5pt; LINE-HEIGHT: 18pt; mso-char-indent-count: -1.0; mso-line-height-rule: exactly">零存整取（<B>%</B>）<p></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.9pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt 10.5pt; TEXT-INDENT: -10.5pt; LINE-HEIGHT: 18pt; mso-char-indent-count: -1.0; mso-line-height-rule: exactly">年利率（<B>%</B>）<p></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 63pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.9pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt" vAlign=top width=84><P 0cm 0cm 6pt 10.5pt; TEXT-INDENT: -10.5pt; LINE-HEIGHT: 18pt; mso-char-indent-count: -1.0; mso-line-height-rule: exactly">整存零取（<B>%</B>）<p></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.9pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt 10.5pt; TEXT-INDENT: -10.5pt; LINE-HEIGHT: 18pt; mso-char-indent-count: -1.0; mso-line-height-rule: exactly">年利率（<B>%</B>）<p></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 72pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.9pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt" vAlign=top width=96><P 0cm 0cm 6pt 21pt; TEXT-INDENT: -21pt; LINE-HEIGHT: 18pt; mso-char-indent-count: -2.0; mso-line-height-rule: exactly">活期年利率（<B>%</B>）<p></p></P></TD></TR><TR 23.15pt; mso-yfti-irow: 1"><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: windowtext 1pt solid; WIDTH: 68.4pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.15pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=91><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><B><FONT face="Times New Roman">3</FONT></B><B>个月<p></p></B></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.15pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><B><FONT face="Times New Roman">1.71<p></p></FONT></B></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.15pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><B><FONT face="Times New Roman">1</FONT></B><B>年</B><p></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.15pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><FONT face="Times New Roman"><B>1.71</B><p></p></FONT></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 63pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.15pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=84><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><B><FONT face="Times New Roman">1</FONT></B><B>年</B><p></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.15pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><FONT face="Times New Roman"><B>1.71</B><p></p></FONT></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 72pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.15pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=96><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><B><FONT face="Times New Roman">0.72<p></p></FONT></B></P></TD></TR><TR 23.9pt; mso-yfti-lastrow: yes; mso-yfti-irow: 2"><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: windowtext 1pt solid; WIDTH: 68.4pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.9pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=91><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><B><FONT face="Times New Roman">6</FONT></B><B>个月<p></p></B></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.9pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><B><FONT face="Times New Roman">1.89<p></p></FONT></B></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.9pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><B><FONT face="Times New Roman">3</FONT></B><B>年</B><p></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.9pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><FONT face="Times New Roman"><B>1.89</B><p></p></FONT></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 63pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.9pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=84><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><B><FONT face="Times New Roman">3</FONT></B><B>年</B><p></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.9pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><FONT face="Times New Roman"><B>1.89</B><p></p></FONT></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 72pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 23.9pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=96><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><p><FONT face="Times New Roman"> </FONT></p></P></TD></TR></TABLE></P>

Stone60823

<TABLE medium none; BORDER-TOP: medium none; BORDER-LEFT: medium none; WIDTH: 419.4pt; BORDER-BOTTOM: medium none; BORDER-COLLAPSE: collapse; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext" cellSpacing=0 cellPadding=0 width=559 border=1><TR 21.6pt; mso-yfti-irow: 0; mso-yfti-firstrow: yes"><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: windowtext 1pt solid; WIDTH: 68.4pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt" vAlign=top width=91>< 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><B><FONT face="Times New Roman">1</FONT></B><B>年<p></p></B></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt" vAlign=top width=72>< 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><B><FONT face="Times New Roman">1.98<p></p></FONT></B></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt" vAlign=top width=72>< 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><B><FONT face="Times New Roman">5</FONT></B><B>年</B><p></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><FONT face="Times New Roman"><B>1.98</B><p></p></FONT></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 63pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt" vAlign=top width=84><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><B><FONT face="Times New Roman">5</FONT></B><B>年</B><p></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><FONT face="Times New Roman"><B>1.98</B><p></p></FONT></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 72pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt" vAlign=top width=96><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><p><FONT face="Times New Roman"> </FONT></p></P></TD></TR><TR 21.6pt; mso-yfti-irow: 1"><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: windowtext 1pt solid; WIDTH: 68.4pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=91><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><B><FONT face="Times New Roman">2</FONT></B><B>年<p></p></B></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><B><FONT face="Times New Roman">2.25<p></p></FONT></B></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><p><FONT face="Times New Roman"> </FONT></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><p><FONT face="Times New Roman"> </FONT></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 63pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=84><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><p><FONT face="Times New Roman"> </FONT></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><p><FONT face="Times New Roman"> </FONT></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 72pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=96><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><p><FONT face="Times New Roman"> </FONT></p></P></TD></TR><TR 21.6pt; mso-yfti-irow: 2"><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: windowtext 1pt solid; WIDTH: 68.4pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=91><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><B><FONT face="Times New Roman">3</FONT></B><B>年<p></p></B></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><B><FONT face="Times New Roman">2.52<p></p></FONT></B></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><p><FONT face="Times New Roman"> </FONT></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><p><FONT face="Times New Roman"> </FONT></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 63pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=84><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><p><FONT face="Times New Roman"> </FONT></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><p><FONT face="Times New Roman"> </FONT></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 72pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=96><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><p><FONT face="Times New Roman"> </FONT></p></P></TD></TR><TR 21.6pt; mso-yfti-lastrow: yes; mso-yfti-irow: 3"><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: windowtext 1pt solid; WIDTH: 68.4pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=91><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><B><FONT face="Times New Roman">5</FONT></B><B>年<p></p></B></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><B><FONT face="Times New Roman">2.79<p></p></FONT></B></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><p><FONT face="Times New Roman"> </FONT></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><p><FONT face="Times New Roman"> </FONT></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 63pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=84><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><p><FONT face="Times New Roman"> </FONT></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 54pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=72><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><p><FONT face="Times New Roman"> </FONT></p></P></TD><TD windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 72pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; HEIGHT: 21.6pt; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width=96><P 0cm 0cm 6pt; LINE-HEIGHT: 18pt; mso-line-height-rule: exactly"><p><FONT face="Times New Roman"> </FONT></p></P></TD></TR></TABLE>[em01][em01][em01]

hotel99cn

感觉题目和学校拿钱买基金和存银行的问题相似的

xbj9803

<>我觉的 对于“初始拥有基金最少，平均每月领取的养老金最多。”这是不可能的，就现实来说，如果你是参加投保的人，你从什么时候开始投保，到开始领取养老金，不是你说了算，你只有根据投保率来选择那种类型的进而获的最大利润。，如果你是保险公司的人，要规定一种养老保险，也要根据投保率来计算，要求投保人从什么时候开始投保，开始领取时，应领取的金额，制定出合理的方案来 获取利润。这和银行存钱是不一样的，但是要考虑把钱存银行里的利息，我想题目应该是给出几种投保类型，有如下数据：你开始投保的年龄，每月交纳的钱数，一般是存到60岁，就开始领取养老金。然后还有银行的存钱利率，，所在地区的平均寿命，根据这些数据计算出投保率，计算的时候，领取的钱并不是投保的钱，应该算上这部分钱的利息，值得注意的地方也就是这里了吧</P><>这个模型比较简单，需要注意的只是中间的计算。
</P>

湖海

<>同意8楼的说法,</P><>我觉得8楼已经把这方面的知识都涉及到了</P>

Stone60823

<>“初始拥有基金最少，平均每月领取的养老金最多。”同时实现当然不可能，我说的是在初始拥有基金一定的前提下实现平均每月领取的养老金最多，或在平均每月领取的养老金一定的前提下实现初始拥有基金最少。这是运筹学里的一个对称问题。</P><>另外，我看到的原题是不涉及到保险公司的，只讨论银行存款的最优化。地区的平均寿命也没什么太大必要，取一个期望领取年限还好一些。题目是不可能告诉你这个人是哪个地区的，取哪里都没什么意义。</P>[em01][em01][em01]