实际利率与名义利率的区别

实际利率与名义利率的区别 名义利率与实际利率 在经济分析中，复利计算通常以年为计息周期。但在实际经济活动中，计息周期有半年、季、月、周、日等多种。当利率的时间单位与计息期不一致时，就出现了名义利率和实际利率的概念。 ?实际利率(Effective Interest Rate) 计算利息时实际采用的有效利率; ?名义利率(Nominal Interest Rate) 计息周期的利率乘以每年计息周期数。 按月计算利息，且其月利率为1%，通常也称为“年利率12%，每月计息一次”。 则 1% 是月实际利率;1%×12=12% 即为年名义利率; (1+1%)12 - 1=12.68% 为年实际利率。 注:通常所说的年利率都是名义利率，如果不对计息期加以说明，则 表 关于同志近三年现实表现材料材料类招标技术评分表图表与交易pdf视力表打印pdf用图表说话 pdf 示1年计息1次。 名义利率和实际利率的关系: 设 r 为年名义利率，i 表示年实际利率，m 表示一年中的计息次数，P 为本金。 则计息周期的实际利率为 r/m;一年后本利和为: 利息为: 例1:某人存款2500元，年利率为8%，半年按复利计息一次，试求8年后的本利和。 25Cr-13Ni type or a welding material with high nickel content. Low temperature steels, austenitic stainless steel and heat-resistant corrosion-resistant high alloy steels and austenitic and non-austenite dissimilar steel welded joints shall comply with the following requirements: to ensure penetration and fusion under good conditions, low current, short-arc, welding speed and much faster welding process and interpass temperature should be controlled. High corrosion resistance performance of double-sided welded welds, welded layer in contact with corrosive media finally welded. Low temperature steel welding, suitable for the surface of the weld bead annealing. Check 6.6.1 6.6 welding inspection before welding material and welding materials, must be carried out according to standard acceptance, unqualified persons may be used. Group before the dimensions of various parts of the main structure, Groove sizes, and grooved surface for inspection. Welding Groove and Groove on both sides should be checked before the cleaning quality. Check the welding before welding conditions are consistent with the prescribed conditions, and welding equipment. The drying and cleaning of welding materials to confirm that it meets the requirements. 6.6.2 intermediate welding inspection tack welding after the skull should be cleared checks to welding the defects found shall be removed before they can. Multi-layer welding welding after the each floor should immediately clean the layers, and Visual inspection, found defects in welded to eliminate before they can proceed to the next level. To interrupt the welding seam, should be cleaned and checked before continuing to weld to eliminate welding defects found by the rear. 6.6.3 check after welding seams shall be welded ends immediately after the removal of slag skin, splash, clean weld and weld inspection. Profiles should shape forming beautiful, not undercut, cracked, incomplete fusion, blowhole, slag, splash and other defects. Weld reinforcement should 或 F = 2500(1 + 8%/2)16 = 4682.45(元) 例2:某人用1000元进行投资，时间为10年，年利率为6%，每季计息一次，求年实际利率和10年末的本利和。 6.14% 1814.02(元) 例3:本金1000元，投资5年，利率8,，每年复利一次，其复利利息为: I,P,(1，i)n,1, ,1000,(1，8,)5,1, ,1000×(1.469,1) ,469(元) 例4:本金1000元，投资5年，年利率8,，每季度复利一次，则: 每季度利率,8,?4,2, 复利次数,5×4,20 F,1000(1，2%)20 ,1000×1.486 ,1486(元) I,1486,1000 ,486(元) 当一年内复利几次时，实际得到的利息要比名义利率计算利息高。 例3的利息486元，比前例要高17元(486-469)。例4的实际利率高于8,。 例4: 如果一张信用卡收费的月利率是3%，问这张信用卡的实际年利率是多少,名义年利率是多少, 计算出实际年利率为42.576%: 计算出名义年利率为36%: 例5:在银行存款1000元，存期5年，试计算下列两种情况的本利和: (1)单利，年利率7%; 25Cr-13Ni type or a welding material with high nickel content. Low temperature steels, austenitic stainless steel and heat-resistant corrosion-resistant high alloy steels and austenitic and non-austenite dissimilar steel welded joints shall comply with the following requirements: to ensure penetration and fusion under good conditions, low current, short-arc, welding speed and much faster welding process and interpass temperature should be controlled. High corrosion resistance performance of double-sided welded welds, welded layer in contact with corrosive media finally welded. Low temperature steel welding, suitable for the surface of the weld bead annealing. Check 6.6.1 6.6 welding inspection before welding material and welding materials, must be carried out according to standard acceptance, unqualified persons may be used. Group before the dimensions of various parts of the main structure, Groove sizes, and grooved surface for inspection. Welding Groove and Groove on both sides should be checked before the cleaning quality. Check the welding before welding conditions are consistent with the prescribed conditions, and welding equipment. The drying and cleaning of welding materials to confirm that it meets the requirements. 6.6.2 intermediate welding inspection tack welding after the skull should be cleared checks to welding the defects found shall be removed before they can. Multi-layer welding welding after the each floor should immediately clean the layers, and Visual inspection, found defects in welded to eliminate before they can proceed to the next level. To interrupt the welding seam, should be cleaned and checked before continuing to weld to eliminate welding defects found by the rear. 6.6.3 check after welding seams shall be welded ends immediately after the removal of slag skin, splash, clean weld and weld inspection. Profiles should shape forming beautiful, not undercut, cracked, incomplete fusion, blowhole, slag, splash and other defects. Weld reinforcement should (2)复利，年利率5%。 解: (1)单利计息本利为 F=P(1+i.n) =1000(1+5×7%) =1350(元) (2)复利计息本利和为 F=P(1+i)5 =1000(1+5%)5 =1276(元) 例6:按月计息的名义利率20%，相当于年实际利率多少, 解: 名义利率=20%， 年实际利率=(1+20%/12)12,1 通俗的说法 名义利率是没有考虑通货膨胀的利率，一般银行的利率都是名义利率，而实际利率则是考虑了名义利率和通货膨胀在内，考察的是货币的实际购买力。实际利率=名义利率-通货膨胀率。我国曾经有段时间实行的保值储蓄，就是为了让名义利率不低于通货膨胀率。以防出现储蓄贬值的情况。有效地防止了挤兑情况的出现。 相关文章: 名义利率实际利率存巨大差异 负利率时代来临, 如果告诉你，你在存钱的同时正在亏钱，你所获得的实际收益是负值，你相信吗,我们正在面对名义利率和实际利率的巨大差异，并从低利率时代走向负利率时代。 2月24日，中国人民银行发布了以下简称《2003年中国货币政策执行 报告 软件系统测试报告下载sgs报告如何下载关于路面塌陷情况报告535n,sgs报告怎么下载竣工报告下载 》(《报告》)，在报告中有这样一句话“通货膨胀压力加大，需要密切关注”。人民银行行长周小川也曾表示，为防患于未然，中央银行将使用各种工具加以调控。分析家认为，央行为防止通货膨胀而采用的货币政策工具主要包括利率、存款准备25Cr-13Ni type or a welding material with high nickel content. Low temperature steels, austenitic stainless steel and heat-resistant corrosion-resistant high alloy steels and austenitic and non-austenite dissimilar steel welded joints shall comply with the following requirements: to ensure penetration and fusion under good conditions, low current, short-arc, welding speed and much faster welding process and interpass temperature should be controlled. High corrosion resistance performance of double-sided welded welds, welded layer in contact with corrosive media finally welded. Low temperature steel welding, suitable for the surface of the weld bead annealing. Check 6.6.1 6.6 welding inspection before welding material and welding materials, must be carried out according to standard acceptance, unqualified persons may be used. Group before the dimensions of various parts of the main structure, Groove sizes, and grooved surface for inspection. Welding Groove and Groove on both sides should be checked before the cleaning quality. Check the welding before welding conditions are consistent with the prescribed conditions, and welding equipment. The drying and cleaning of welding materials to confirm that it meets the requirements. 6.6.2 intermediate welding inspection tack welding after the skull should be cleared checks to welding the defects found shall be removed before they can. Multi-layer welding welding after the each floor should immediately clean the layers, and Visual inspection, found defects in welded to eliminate before they can proceed to the next level. To interrupt the welding seam, should be cleaned and checked before continuing to weld to eliminate welding defects found by the rear. 6.6.3 check after welding seams shall be welded ends immediately after the removal of slag skin, splash, clean weld and weld inspection. Profiles should shape forming beautiful, not undercut, cracked, incomplete fusion, blowhole, slag, splash and other defects. Weld reinforcement should 金率和公开市场操作，后两种工具去年已经被采纳，继续使用的空间和效能不大。因此，在负利率时代来临之际，调整利率就变得更加现实和急迫了! 在经济学家的眼里，CPI(全国居民消费价格总水平指数)通常是被用作衡量通货膨胀率的核心观察指标之一。在2003年以前，我国的CPI同比增幅一直为负增长。但到了2003年12月份，我国CPI上涨3.2%。经济学家分析认为,今年上半年CPI涨幅将基本上保持在去年第四季度的水平，也就是3%以上。初步估计，2004年同比价格上涨的翘尾因素为2.2。也就是说，2004年即使没有任何新的涨价，全年物价上涨也会达到2.2%。 有关金融专家分析，按照全年物价2.2%的上涨率，实际上意味着个人储户存入银行一年的定期存款，实际收益已经是负值。如今银行存款1年期的利率为1.98%，扣除20%利息税，实际存款利率只有1.58%。如果以CPI为3%计算，老百姓的1年期存款的实际利率为1.58%-3%=-1.42%。这是什么含义,它意味着你将10000元存进银行，1年后它的实际价值变成了9858元，有142元白白地“蒸发”! 抵御负利率 2002年2月21日降息后，金融机构1年期存款利率为?98%，处于20年来的最低水平，一年期贷款利率为?31%。一旦出现通货膨胀，真实的利率水平必然受到影响。假如当前的存贷款利率水平不变，3%的通货膨胀率对于储户而言，就意味着当前存款的真实利率将是负值、企业贷款的真实利率将会下降3个百分点。那么，企业融资成本将会极大地降低，从而刺激企业大量从银行借贷用于投资，从而进一步带动新一轮的信贷扩张及投资过热。这显然是央行不愿看到的!或许只有提高利率，才能化解因实际利率为负值而形成的通货膨胀压力。 中国社会科学院首席经济学家袁钢明认为，如果未来几个月，CPI和投资继续快速増长，央行很可能进行8年来的首次加息，并调高人民币利率，以抑制消费品价格指数和投资的快速增长。 值得一提的是，我国的银行存款真实利率一直比较低。按消费价格指数计算的1年期存款的真实利率在1987年1月到2003年7月的平均值为0.32%。这个平均值很低，一个原因是在1993,1995年通货膨胀率很高。即使考虑到保值贴息，长期平均的真实存款利率也比较低。而适当调整人民币利率也是情理中的事情。 中国社科院金融研究所研究员易宪容认为，我们的存款利率是在政府管制下，并不是市场真实的利率。如果单纯从储户角度考虑，应该上调存款利率，可是今年政府将更关注国有银行的改革，这也是今年经济改革的核心问 题 快递公司问题件快递公司问题件货款处理关于圆的周长面积重点题型关于解方程组的题及答案关于南海问题 。如果上调存款利率，银行的支出成本将加大，收益减少，直接影响银行的经济效益，对银行改革不十分有利。所以，判断利率是否调整，就要看政府着眼点放在哪里! 事实上，从《报告》中传出的信息，已经显示出人民币利率上升的压力越来越大，人们对利率上升的预期越来越强烈～而央行调整存贷款利率的可能性正在增大，25Cr-13Ni type or a welding material with high nickel content. Low temperature steels, austenitic stainless steel and heat-resistant corrosion-resistant high alloy steels and austenitic and non-austenite dissimilar steel welded joints shall comply with the following requirements: to ensure penetration and fusion under good conditions, low current, short-arc, welding speed and much faster welding process and interpass temperature should be controlled. High corrosion resistance performance of double-sided welded welds, welded layer in contact with corrosive media finally welded. Low temperature steel welding, suitable for the surface of the weld bead annealing. Check 6.6.1 6.6 welding inspection before welding material and welding materials, must be carried out according to standard acceptance, unqualified persons may be used. Group before the dimensions of various parts of the main structure, Groove sizes, and grooved surface for inspection. Welding Groove and Groove on both sides should be checked before the cleaning quality. Check the welding before welding conditions are consistent with the prescribed conditions, and welding equipment. The drying and cleaning of welding materials to confirm that it meets the requirements. 6.6.2 intermediate welding inspection tack welding after the skull should be cleared checks to welding the defects found shall be removed before they can. Multi-layer welding welding after the each floor should immediately clean the layers, and Visual inspection, found defects in welded to eliminate before they can proceed to the next level. To interrupt the welding seam, should be cleaned and checked before continuing to weld to eliminate welding defects found by the rear. 6.6.3 check after welding seams shall be welded ends immediately after the removal of slag skin, splash, clean weld and weld inspection. Profiles should shape forming beautiful, not undercut, cracked, incomplete fusion, blowhole, slag, splash and other defects. Weld reinforcement should 只是调整幅度的大小问题。因为，央行今年的货币政策目标是“在促进经济平稳较快增长的同时，高度重视防止通货膨胀和金融风险。” 负利率时代的到来，对于普通老百姓尤其是热衷于储蓄的人来说，它是一个不得不接受的事实;而在积极理财、投资意识强的人的眼中，它却意味着赚钱时代的到来。我们必须积极地调整理财思路，通过行之有效的投资手段来抵御负利率。抵御负利率的手段有很多，如减少储蓄，多消费，甚至以理性的头脑和积极的心态进行投资(如股票、房产等)，因为你的投资收益越大，抵御通货膨胀的能力也就越强。所以，负利率不可怕，可怕的是面对负利率却无动于衷! 25Cr-13Ni type or a welding material with high nickel content. Low temperature steels, austenitic stainless steel and heat-resistant corrosion-resistant high alloy steels and austenitic and non-austenite dissimilar steel welded joints shall comply with the following requirements: to ensure penetration and fusion under good conditions, low current, short-arc, welding speed and much faster welding process and interpass temperature should be controlled. High corrosion resistance performance of double-sided welded welds, welded layer in contact with corrosive media finally welded. Low temperature steel welding, suitable for the surface of the weld bead annealing. Check 6.6.1 6.6 welding inspection before welding material and welding materials, must be carried out according to standard acceptance, unqualified persons may be used. Group before the dimensions of various parts of the main structure, Groove sizes, and grooved surface for inspection. Welding Groove and Groove on both sides should be checked before the cleaning quality. Check the welding before welding conditions are consistent with the prescribed conditions, and welding equipment. The drying and cleaning of welding materials to confirm that it meets the requirements. 6.6.2 intermediate welding inspection tack welding after the skull should be cleared checks to welding the defects found shall be removed before they can. Multi-layer welding welding after the each floor should immediately clean the layers, and Visual inspection, found defects in welded to eliminate before they can proceed to the next level. To interrupt the welding seam, should be cleaned and checked before continuing to weld to eliminate welding defects found by the rear. 6.6.3 check after welding seams shall be welded ends immediately after the removal of slag skin, splash, clean weld and weld inspection. Profiles should shape forming beautiful, not undercut, cracked, incomplete fusion, blowhole, slag, splash and other defects. Weld reinforcement should