{"id":31925,"date":"2026-08-16T08:03:15","date_gmt":"2026-08-16T00:03:15","guid":{"rendered":"https:\/\/www.mniu.com\/info\/?p=31925"},"modified":"2026-08-16T08:03:15","modified_gmt":"2026-08-16T00:03:15","slug":"xgtr","status":"publish","type":"post","link":"https:\/\/www.xyka.net\/info\/xgtr.html","title":{"rendered":"\u8ba9\u4f60\u82b1\u5f97\u660e\u660e\u767d\u767d\uff0c\u6559\u4f60\u7b97\u94f6\u884c\u4fe1\u7528\u5361\u5206\u671f\u771f\u5b9e\u5229\u7387"},"content":{"rendered":"

\"\u8ba9\u4f60\u82b1\u5f97\u660e\u660e\u767d\u767d\uff0c\u6559\u4f60\u7b97\u94f6\u884c\u4fe1\u7528\u5361\u5206\u671f\u771f\u5b9e\u5229\u7387\"<\/p>\n

\u4e00\u3001\u6848\u4f8b<\/p>\n

\u6587\u7ae0\u5f00\u59cb\u4e4b\u524d\uff0c\u6211\u60f3\u8bb22\u4e2a\u6545\u4e8b\uff1a<\/p>\n

1\u3001\u8682\u8681\u82b1\u5457<\/strong>\n<\/p>\n

\u633a\u54e5\u4e00\u6253\u5f00\u8682\u8681\u501f\u5457\uff0c\u53d1\u73b0\u4e00\u4e07\u5757\u501f\u4e00\u5e74\u520612\u671f\u7684\u5229\u606f\u53ea\u6709308\u5757\uff0c\u8fd9\u6837\u7b97\u4e0b\u6765\u5229\u7387\u53ea\u67093%\uff0c\u518d\u6253\u5f00\u4f59\u989d\u5b9d\uff0c\u53d1\u73b0\u5f53\u524d\u5e74\u5316\u6536\u76ca\u7387\u662f4.01%\uff0c\u90e8\u5206\u7406\u8d22\u4ea7\u54c1\u5e74\u5316\u6536\u76ca\u7387\u4e3a4.7%\uff0c\u6211\u7684\u5929\u6211\u628a\u8682\u8681\u501f\u5457\u501f\u51fa\u6765\u7684\u94b1\u653e\u8fdb\u4f59\u989d\u5b9d\u91cc\uff0c\u8fd9\u6837\u4e0d\u5c31\u53ef\u4ee5\u8eba\u7740\u6323\u5229\u5dee\u4e86\u5417\uff1f\u54c8\u54c8\u54c8\u6211\u592a\u806a\u660e\u4e86\u3002<\/p>\n

2\u3001\u4fe1\u7528\u5361\u5206\u671f<\/strong>\n<\/p>\n

\u5982\u679c\u5237\u53611\u4e07\uff0c\u6bcf\u6708\u8fd8\u672c\u91d1\u5e94\u8be5\u662f10000\/12=833.33\u5143\uff0c\u5982\u679c\u6bcf\u6708\u591a\u8fd860\u7684\u624b\u7eed\u8d39\u6216\u8005\u5229\u606f\uff0c\u4e00\u5e74\u4e00\u5171720\u5143\uff0c\u8c8c\u4f3c\u5e74\u5229\u7387\u662f720\u9664\u4ee510000\u7b49\u4e8e7.2%.\u597d\u50cf\u4e5f\u4e0d\u8d35\u7684\u6837\u5b50\u3002<\/p>\n

\u4f46\u662f\u4f60\u4e0d\u662f1\u4e07\u90fd\u501f\u7528\u4e86\u4e00\u5e74\uff0c\u800c\u53ea\u6709\u4e00\u4e2a833.33\u662f\u4e00\u5e74\uff0c\u7b2c\u4e00\u4e2a\u6708\u548c\u5012\u6570\u7b2c\u4e8c\u4e2a\u6708\u52a0\u8d77\u6765\u7b97\u4e00\u5e74\uff0c\u4ee5\u6b64\u7c7b\u63a8\uff0c\u4e00\u5171\u662f0.55\u4e07\u5143\uff0c\u7528\u4e86\u4e00\u5e74\uff0c\u5e74\u5229\u7387\u5f88\u7b80\u5355\u662f720\/5500=13%\uff1b<\/p>\n

\u5230\u5e95\u600e\u4e48\u7b97\u5462\uff1f<\/p>\n

\u4e8c\u3001\u57fa\u7840\u77e5\u8bc6<\/strong>\n<\/p>\n

\u597d\u5427\uff0c\u73b0\u5b9e\u751f\u6d3b\u4e2d\uff0c\u5404\u79cd\u7433\u7405\u6ee1\u76ee\u7684\u5229\u7387\uff0c\u5e74\u5229\u7387\u3001\u65e5\u5229\u7387\u3001\u6708\u5229\u7387\u30017\u65e5\u5e74\u5316\u6536\u76ca\u7387\u3001\u5206\u671f\u624b\u7eed\u8d39\uff0c\u7b49\u989d\u672c\u606f\u3001\u7b49\u989d\u672c\u91d1\u7b49\u73b2\u7405\u6ee1\u76ee\u7684\u6536\u8d39\u60c5\u51b5\uff0c\u4e3a\u4e86\u6bd4\u8f83\u5404\u79cd\u5229\u7387\uff0c\u6211\u4eec\u5fc5\u987b\u627e\u4e00\u4e2a\u6807\u51c6\u6765\u8861\u91cf\u5229\u7387\u9ad8\u4f4e\uff0c\u80fd\u4e0d\u80fd\u4ee5\u603b\u5229\u606f\u6570\u989d\u8fdb\u884c\u6bd4\u8f83\uff1f<\/p>\n

\u4e3a\u4e86\u66f4\u65b9\u4fbf\u5404\u4f4d\u503c\u53cb\u5ba2\u89c2\u7684\u56f4\u89c2\uff0c\u633a\u54e5\u6545\u4f5c\u7384\u865a\u7684\u8bb2\u70b9\u57fa\u7840\u7684\u7ecf\u6d4e\u5b66bibi\uff0c\u5982\u679c\u63cf\u8ff0\u7684\u4e0d\u662f\u5f88\u6e05\u6670\u7684\u8bdd\uff0c\u5efa\u8bae\u8df3\u8fc7\u8fd9\u6bb5\u6216\u8005\u53bb\u56fe\u4e66\u9986\u7ffb\u7ffb\u5566\u3002<\/p>\n

\u6211\u4eec\u5148\u5f15\u5165\u4e24\u4e2a\u6982\u5ff5\uff0c\u540d\u4e49\u5229\u7387\u548c\u5b9e\u9645\u5229\u7387<\/p>\n

\u540d\u4e49\u5229\u7387=\u8bb0\u606f\u5468\u671f*\u8ba1\u606f\u5468\u671f\u5185\u5229\u7387\uff0c\u4f8b\u5982\u8682\u8681\u501f\u5457\u4e00\u5e74\u7684\u540d\u4e49\u5e74\u5229\u7387=0.00015*30*12=5.4%<\/p>\n

\u5b9e\u9645\u5229\u7387\u5219\u8981\u8003\u8651\u63d0\u524d\u8fd8\u6b3e\u90e8\u5206\u4ea7\u751f\u7684\u590d\u5229\uff0c\u7b80\u5316\u516c\u5f0f\u5982\u4e0b\uff0c\u5176\u4e2dr\u4e3a\u540d\u4e49\u5e74\u5229\u7387\uff0cm\u4e3a\u8ba1\u606f\u5468\u671f<\/p>\n

\u5e74\u5b9e\u9645\u5229\u7387\u4e0e\u540d\u4e49\u5229\u7387r\u7684\u6362\u7b97\u5173\u7cfb\u4e3a\uff1a<\/p>\n

\u5bf9\u4e8e\u8682\u8681\u501f\u5457\uff0c\u5b9e\u9645\u5229\u7387\u4e3a\uff081+0.054\/12\uff09^12-1=5.53%\uff1b<\/p>\n

\u4fe1\u7528\u5361\u5206\u671f\u5229\u7387\u5219\u6bd4\u8f83\u7279\u6b8a\uff0c\u4fe1\u7528\u5361\u5206\u671f\u7684\u6bcf\u6708\u8d39\u7387\u662f\u56fa\u5b9a\u76840.66%\uff0c\u5373\u6211\u4eec\u6bcf\u4e2a\u6708\u90fd\u5728\u4e3a\u5df2\u7ecf\u507f\u8fd8\u7684\u90e8\u5206\u4ed8\u606f\u3002\u4e3a\u4e86\u533a\u5206\u8fd9\u4e24\u79cd\u8fd8\u6b3e\u65b9\u5f0f\uff0c\u6211\u4eec\u518d\u5f15\u5165\u4e24\u4e2a\u6982\u5ff5\uff0c\u6708\u606f\u548c\u6708\u5e73\u606f\u3002<\/p>\n

\u6708\u5e73\u606f\u8fd9\u4e2a\u540d\u8bcd\u5728\u9999\u6e2f\u4f7f\u7528\u7684\u8f83\u591a\uff0c\u4e0e\u6708\u606f\u6bcf\u4e2a\u6708\u7684\u5229\u606f\u4f1a\u51cf\u5c11\u4e0d\u540c\uff0c\u6708\u5e73\u606f\u6bcf\u6708\u5229\u606f\u662f\u56fa\u5b9a\u7684\u3002\u4fe1\u7528\u5361\u5206\u671f\u8d39\u7387\u5c31\u662f\u5178\u578b\u7684\u6708\u5e73\u606f\u3002<\/p>\n

\u4e09\u3001\u4ecb\u7ecd\u4e00\u6b3e\u795e\u5668--XIRR\u51fd\u6570<\/strong>\n<\/p>\n

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XIRR(values,dates,[guess])<\/p>\n

XIRR\u51fd\u6570\u8bed\u6cd5\u5177\u6709\u4e0b\u5217\u53c2\u6570\uff1a<\/p>\n

\u503c\u5fc5\u9700\u3002\u4e0edates\u4e2d\u7684\u652f\u4ed8\u65f6\u95f4\u76f8\u5bf9\u5e94\u7684\u4e00\u7cfb\u5217\u73b0\u91d1\u6d41\u3002\u9996\u671f\u652f\u4ed8\u662f\u53ef\u9009\u7684\uff0c\u5e76\u4e0e\u6295\u8d44\u5f00\u59cb\u65f6\u7684\u6210\u672c\u6216\u652f\u4ed8\u6709\u5173\u3002\u5982\u679c\u7b2c\u4e00\u4e2a\u503c\u662f\u6210\u672c\u6216\u652f\u4ed8\uff0c\u5219\u5b83\u5fc5\u987b\u662f\u8d1f\u503c\u3002\u6240\u6709\u540e\u7eed\u652f\u4ed8\u90fd\u57fa\u4e8e365\u5929\/\u5e74\u8d34\u73b0\u3002\u503c\u7cfb\u5217\u4e2d\u5fc5\u987b\u81f3\u5c11\u5305\u542b\u4e00\u4e2a\u6b63\u503c\u548c\u4e00\u4e2a\u8d1f\u503c\u3002<\/p>\n

\u65e5\u671f\u5fc5\u9700\u3002\u4e0e\u73b0\u91d1\u6d41\u652f\u4ed8\u76f8\u5bf9\u5e94\u7684\u652f\u4ed8\u65e5\u671f\u8868\u3002\u65e5\u671f\u53ef\u6309\u4efb\u4f55\u987a\u5e8f\u6392\u5217\u3002\u5e94\u4f7f\u7528DATE\u51fd\u6570\u8f93\u5165\u65e5\u671f\uff0c\u6216\u8005\u5c06\u65e5\u671f\u4f5c\u4e3a\u5176\u4ed6\u516c\u5f0f\u6216\u51fd\u6570\u7684\u7ed3\u679c\u8f93\u5165\u3002\u4f8b\u5982\uff0c\u4f7f\u7528\u51fd\u6570DATE(2008,5,23)\u8f93\u51652008\u5e745\u670823\u65e5\u3002\u5982\u679c\u65e5\u671f\u4ee5\u6587\u672c\u5f62\u5f0f\u8f93\u5165\uff0c\u5219\u4f1a\u51fa\u73b0\u95ee\u9898\u3002<\/p>\n

\u6848\u4f8b\u7b54\u6848\uff1a<\/strong>\n<\/p>\n

\u6211\u4eec\u5c06\u8682\u8681\u501f\u5457\u548c\u4fe1\u7528\u5361\u5206\u671f\u7684\u8fd8\u6b3e\u8ba1\u5212\u8f93\u5165\uff0c\u7136\u540e\u4f7f\u7528XIRR\u51fd\u6570\uff0c\u53ef\u5f97\u51fa\u51c6\u786e\u7684\u5229\u7387\u3002<\/p>\n

\u7b97\u51fa\u7684\u6709\u6548\u5229\u7387\u5206\u522b\u4e3a5.8%\u548c15.3%<\/p>\n

\u56db\u3001\u7ed3\u8bba\u6765\u4e86<\/strong>\n<\/p>\n

\u7701\u8fc7\u524d\u9762\u7684\u6240\u6709\uff0c\u76f4\u63a5\u770b\u7ed3\u8bba\uff0c\u4e5f\u662f\u86ee\u4e0d\u9519\u7684\u5566\u3002<\/p>\n

\u4fe1\u7528\u5361\u5206\u671f\u5b9e\u9645\u5229\u7387\uff1a<\/p>\n

\u4e0a\u56fe\u610f\u4e49\u5c31\u5728\u4e8e\uff1a<\/p>\n

1\u3001\u5206\u671f\u624b\u7eed\u8d39\u4e3a0.4%,\u52069\u671f\u8ba1\u7b97\uff0c\u5219\u5b9e\u9645\u5e74\u5229\u7387\u4e3a2.16*0.4%=8.84%\uff0c\u624b\u7eed\u8d39\u4f4e\u4e8e0.4%\u7684\uff0c\u76f8\u5bf9\u8fd8\u4e0d\u9519\u5427\u3002\u90e8\u5206\u94f6\u884c\u505a\u6d3b\u52a8\uff0c\u9001\u7684\u793c\u7269\u8fd8\u662f\u4e0d\u9519\u5566\u3002<\/p>\n

2\u3001\u5982\u679c\u5206\u671f\u624b\u7eed\u8d39\u91c7\u75280.4%\u75282\u671f\u5373\u5229\u7387\u4f4d1.6%*0.4=6.4%\uff0c\u6bd4\u8d77\u76f4\u63a5\u5957\u73b0\u76840.6%\u624b\u7eed\u8d39\uff080.6%*12\u6b21=7.2%\uff09\u4e5f\u5dee\u4e0d\u4e86\u591a\u5c11\u5566!\u518d\u8bf4\uff0c\u5176\u5b9e\u5206\u671f\u4ed8\u6b3e\u8fd8\u67091\u4e2a\u6708\u7684\u514d\u606f\u671f\u54e6\u3002<\/p>\n

3\u3001\u5f53\u7136\u5206\u671f\u624b\u7eed\u8d39\u662f\u4e0d\u5efa\u8bae\u7684\u5566\u3002<\/p>\n

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