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复利现值


  
  概念
  复利现值是复利终值的对称概念,指未来一定时间的特定资金按复利计算的现在价值,或者说是为取得将来一定本利和现在所需要的本金。
  计算
  复利现值计算,是指已知s、i、n时,求p。
  通过复利终值计算已知:
  s=p*(1+i) n
  所以:
  p=s/(1+i) n=s*(1+i)- n
  上式中的(1+i)- n是把终值折算为现值的系数,称为复利现值系数,或称作1元的复利现值,用符号(p/s,i,n)来表示。例如,(p/s,10%,5)表示利率为10%时5期的复利现值系数。为了便于计算,可编制“复利现值系数表”。该表的使用方法与“复利终值系数表”相同。
  计算年金现值的举例(该例子计算有误,请不要参考,祥子2575)
  
[例1]某人拟在5年后获得本利和10000元。假设投资报酬率为10%,他现在应投入多少元?
  p=s/(1+i) n=s*(1+i)- n
  =10000×(p/s,10%,5)
  =10000×0.621
  =6210(元)
  答案是某人应投入6210元。
  复利现值系数表
  
期数1%2%3%4%5%6%7%8%9%10%11%12%13%14%15%
10.99010.98040.97090.96150.95240.94340.93460.92590.91740.90910.90090.89290.88500.87720.8696
20.98030.96120.94260.92460.90700.89000.87340.85730.84170.82640.81160.79720.78310.76950.7561
30.97060.94230.91510.88900.86380.83960.81630.79380.77220.75130.73120.71180.69310.67500.6575
40.96100.92380.88850.85480.82270.79210.76290.73500.70840.68300.65870.63550.61330.59210.5718
50.95150.90570.86260.82190.78350.74730.71300.68060.64990.62090.59350.56740.54280.51940.4972
60.94200.88800.83750.79030.74620.70500.66630.63020.59630.56450.53460.50660.48030.45560.4323
70.93270.87060.81310.75990.71070.66510.62270.58350.54700.51320.48170.45230.42510.39960.3759
80.92350.85350.78940.73070.67680.62740.58200.54030.50190.46650.43390.40390.37620.35060.3269
90.91430.83680.76640.70260.64460.59190.54390.50020.46040.42410.39090.36060.33290.30750.2843
100.90530.82030.74410.67560.61390.55840.50830.46320.42240.38550.35220.32200.29460.26970.2472
110.89630.80430.72240.64960.58470.52680.47510.42890.38750.35050.31730.28750.26070.23660.2149
120.88740.78850.70140.62460.55680.49700.44400.39710.35550.31860.28580.25670.23070.20760.1869
130.87870.77300.68100.60060.53030.46880.41500.36770.32620.28970.25750.22920.20420.18210.1625
140.87000.75790.66110.57750.50510.44230.38780.34050.29920.26330.23200.20460.18070.15970.1413
150.86130.74300.64190.55530.48100.41730.36240.31520.27450.23940.20900.18270.15990.14010.1229
160.85280.72840.62320.53390.45810.39360.33870.29190.25190.21760.18830.16310.14150.12290.1069
170.84440.71420.60500.51340.43630.37140.31660.27030.23110.19780.16960.14560.12520.10780.0929
180.83600.70020.58740.49360.41550.35030.29590.25020.21200.17990.15280.13000.11080.09460.0808
190.82770.68640.57030.47460.39570.33050.27650.23170.19450.16350.13770.11610.09810.08290.0703
200.81950.67300.55370.45640.37690.31180.25840.21450.17840.14860.12400.10370.08680.07280.0611
210.81140.65980.53750.43880.35890.29420.24150.19870.16370.13510.11170.09260.07680.06380.0531
220.80340.64680.52190.42200.34180.27750.22570.18390.15020.12280.10070.08260.06800.05600.0462
230.79540.63420.50670.40570.32560.26180.21090.17030.13780.11170.09070.07380.06010.04910.0402
240.78760.62170.49190.39010.31010.24700.19710.15770.12640.10150.08170.06590.05320.04310.0349
250.77980.60950.47760.37510.29530.23300.18420.14600.11600.09230.07360.05880.04710.03780.0304
260.77200.59760.46370.36070.28120.21980.17220.13520.10640.08390.06630.05250.04170.03310.0264
270.76440.58590.45020.34680.26780.20740.16090.12520.09760.07630.05970.04690.03690.02910.0230
280.75680.57440.43710.33350.25510.19560.15040.11590.08950.06930.05380.04190.03260.02550.0200
290.74930.56310.42430.32070.24290.18460.14060.10730.08220.06300.04850.03740.02890.02240.0174
300.74190.55210.41200.30830.23140.17410.13140.09940.07540.05730.04370.03340.02560.01960.0151

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