文档介绍：《货币金融学》《货币金融学》《货币金融学》计算题复****计算题复****计算题复****Evaluation only. Evaluation only. Created with Client Profile . Created with Client Profile . Copyright 2004-2011 Aspose Pty Ltd. Copyright 2004-2011 Aspose Pty Ltd. 28 December 2016 2 计算题教学内容计算题教学内容计算题教学内容一、一、贴现贴现二、二、利息利息三、三、收益率收益率四、四、现值与期值现值与期值五、五、派生存款派生存款六、六、基础货币、货币乘数与货币供给量基础货币、货币乘数与货币供给量 Evaluation only. Evaluation only. Created with Client Profile . Created with Client Profile . Copyright 2004-2011 Aspose Pty Ltd. Copyright 2004-2011 Aspose Pty Ltd. 28 December 2016 3 一、贴现一、贴现一、贴现??公式公式––银行贴现付款额银行贴现付款额= =票据期值票据期值- -贴现利息贴现利息 = = 票据期值( 票据期值( 1- 1-贴现率贴现率× ×贴现期) 贴现期) ??举例举例––某面值某面值 1000 1000 元债券,利随本金复利计息,期限元债券,利随本金复利计息,期限 2 2年,年利率年,年利率 10% 10% 。。其持有人在离到期日还有其持有人在离到期日还有 3 3个月时到银行贴现,在年贴现率个月时到银行贴现,在年贴现率 9% 9% 的条件下能得到多少现款? 的条件下能得到多少现款? ??银行贴现付款额银行贴现付款额=1210 =1210 × ×( (1-9%/12 1-9%/12 × ×3 3) ) = = 元元 Evaluation only. Evaluation only. Created with Client Profile . Created with Client Profile . Copyright 2004-2011 Aspose Pty Ltd. Copyright 2004-2011 Aspose Pty Ltd. ??例:一张面额为例:一张面额为 10000 10000 元,还剩元,还剩 3 3个月到期的商业个月到期的商业银行票据到银行贴现,银行付款银行票据到银行贴现,银行付款 9800 9800 元,计算年元,计算年贴现利率是多少? 贴现利率是多少? ??解: 解: ??年贴现率为年贴现率为(10000 (10000 - -9800) 9800) ÷ ÷10000 10000 × ×4=8% 4=8% 28 December 2016 4 Evaluation only. Evaluation only. Created with Client Profile . Created with Client Profile . Copyright 2004-2011 Aspose Pty Ltd. Copyright 2004-2011 Aspose Pty Ltd. 28 December 2016 5 二、利息二、利息二、利息??单利单利––I = P I = P × ×i i× ×n n––S = P S = P ( (1+i 1+i × ×n n) ) ??复利复利––S = P S = P ( (1+i 1+i ) ) n n––I = P[ I = P[ ( (1+i 1+i ) ) n n-1] -1] ??举例举例??设有设有 5 5年期定期银行存款年期定期银行存款 10000 10000 元,年利率为元,年利率为 5% 5%,以年为计息期间,请分别