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\u7b2c\u4e00\u3001\u5206\u671f\u4ed8\u6b3e<\/strong><\/p>\n \u73b0\u5728\u4fe1\u7528\u5361\u5206\u671f\u4ed8\u6b3e\u90fd\u6ca1\u6709\u5229\u606f\uff0c\u4f46\u662f\u8981\u6536\u624b\u7eed\u8d39\uff0c\u5343\u4e07\u522b\u5c0f\u770b\u4e86\u8fd9\u4e2a\u624b\u7eed\u8d39\uff0c\u91cc\u9762\u7684\u95e8\u9053\u591a\u4e86\u53bb\u4e86\u3002<\/p>\n \u4e3e\u4e2a\u4f8b\u5b50\u7ed9\u5927\u5bb6\u8bb2\u8bb2\u3002\u6bd4\u5982\u4fe1\u7528\u5361\u7f51(xyka.net)\u5c0f\u7f16\u7528\u4fe1\u7528\u5361\u4e70\u4e86\u53f012000\u5143\u7684\u7535\u8111\uff0c\u73b0\u5728\u60f3\u520612\u671f\u8fd8\u6b3e\uff0c\u6bcf\u4e00\u671f\u7684\u8d39\u7387\u4e3a0.5%\u3002\u8868\u9762\u4e0a\u770b\u8d77\u6765\u8d39\u7387\u5f88\u4f4e\uff0c1\u5e74\u4e5f\u5c310.5%\u00d712=6%\uff0c\u4f46\u662f\u8fd9\u6837\u7b97\u4e0d\u5bf9\uff0c\u6b63\u786e\u7684\u5e74\u8d39\u7387\u8ba1\u7b97\u516c\u5f0f\u5982\u4e0b\uff1a<\/p>\n \u5e74\u8d39\u7387=12\u00d7\u6bcf\u671f\u624b\u7eed\u8d39\u8d39\u7387\u00d7\u5206\u671f\u671f\u6570\/[(1+\u5206\u671f\u671f\u6570)\/2]<\/p>\n =24\u00d7\u5206\u671f\u671f\u6570\u00d7\u6bcf\u671f\u624b\u7eed\u8d39\u8d39\u7387\/(1+\u5206\u671f\u671f\u6570)<\/p>\n \u6211\u4eec\u628a\u6570\u636e\u8f93\u5165\u8fd9\u4e2a\u516c\u5f0f\u8ba1\u7b97\u4e00\u4e0b\u3002<\/p>\n \u5e74\u8d39\u7387=24\u00d712\u00d70.5%\/(1+12)=11.077%<\/p>\n 11.077%\u51e0\u4e4e\u662f6%\u76842\u500d\uff0c\u6240\u4ee5\u5206\u671f\u4ed8\u6b3e\u53ea\u662f\u8868\u9762\u4e0a\u770b\u8d77\u6765\u8d39\u7387\u4f4e\u800c\u5df2\u3002\u9760\u5206\u671f\u4ed8\u6b3e\u6765\u8585\u94f6\u884c\u7684\u7f8a\u6bdb\u5c31\u662f\u505a\u68a6!<\/p>\n 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