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a bank quotes certificate of deposit(CD)yields both as annual percentage rates (APR)without compounding and as annual percentage yields (APY)that include the effects of monthly compounding .a $100000 CD will pay $110471.31 at the end of th year .caculate the APR and APY the bank is quoting.
问题如下：
1、annual percentage rates (APR)without compounding 这个是按单利计算的年百分比收益率吧？
2、annual percentage yields (APY)that include the effects of monthly compounding 这是按月复利计息的年百分比收益率吧？
可这个题目答案有点奇怪
答案：for APR,PV=100000;FV=-110471.31;PMT=0;N=12；CPT(计算的意思) I/Y 0.8333，which is the monthly rate .The APR =12*0.8333,or 10%
APY =110471.31/100000-1=0.10471=10.471%(equivalent to a compound monthly rate of 0.8333 )
有些不可理解啊，题目里明明说APR是不计复利的，为什么算APR却是按照复利计息算的啊
为什么我觉得答案两个反了啊。。 有没有大神教我一下
2018年09月25日 07点09分
1
问题如下：
1、annual percentage rates (APR)without compounding 这个是按单利计算的年百分比收益率吧？
2、annual percentage yields (APY)that include the effects of monthly compounding 这是按月复利计息的年百分比收益率吧？
可这个题目答案有点奇怪
答案：for APR,PV=100000;FV=-110471.31;PMT=0;N=12；CPT(计算的意思) I/Y 0.8333，which is the monthly rate .The APR =12*0.8333,or 10%
APY =110471.31/100000-1=0.10471=10.471%(equivalent to a compound monthly rate of 0.8333 )
有些不可理解啊，题目里明明说APR是不计复利的，为什么算APR却是按照复利计息算的啊
为什么我觉得答案两个反了啊。。 有没有大神教我一下
