{"id":9166,"date":"2024-05-10T07:01:01","date_gmt":"2024-05-09T23:01:01","guid":{"rendered":""},"modified":"2024-05-10T07:01:01","modified_gmt":"2024-05-09T23:01:01","slug":"LPR\/IRR\/APR\/PMT\/PV\/FV\u533a\u5206\uff0cexcel\u4e2dPMT\/PV\/FV\u8fd0\u7528\uff0c\u7b49\u989d\u672c\u606f\/\u7b49\u989d\u672c\u91d1excel\u8ba1\u7b97\u5668","status":"publish","type":"post","link":"https:\/\/mushiming.com\/9166.html","title":{"rendered":"LPR\/IRR\/APR\/PMT\/PV\/FV\u533a\u5206\uff0cexcel\u4e2dPMT\/PV\/FV\u8fd0\u7528\uff0c\u7b49\u989d\u672c\u606f\/\u7b49\u989d\u672c\u91d1excel\u8ba1\u7b97\u5668"},"content":{"rendered":"<h2 style=\"margin-left:0px;\">\u4e00\u3001IRR\/ARR\uff0cPV\/NPV\/FV\u3001PMT\/PPMT\/IPMT\u3001LPR\u57fa\u7840\u542b\u4e49<\/h2>\n<p>1\u3001LPR\u3001IRR\/ARR\/EAR\u3001APR\u3001<\/p>\n<p><span style=\"color:#0d0016;\">\uff081\uff09LPR \u82f1\u6587\u91ca\u4e49 Loan Prime Rate\uff0c\u6307\u8d37\u6b3e\u5e02\u573a\u62a5\u4ef7\u5229\u7387\uff0c\u662f\u753118\u5bb6\u62a5\u4ef7\u884c\u72ec\u7acb\u62a5\u4ef7\uff0c\u7531\u4e2d\u56fd\u4eba\u6c11\u94f6\u884c\u6388\u6743\u5168\u56fd\u94f6\u884c\u95f4\u540c\u4e1a\u62c6\u501f\u4e2d\u5fc3\u8ba1\u7b97\u53d1\u5e03\uff0c\u6bcf\u6708\u8c03\u6574\u4e00\u6b21\uff0c\u5f53\u524d\u623f\u8d37\u5e02\u573a\u4e3b\u8981\u91c7\u7528\u7684\u5c31\u662fLPR\u52a0\u70b9\u5f62\u5f0f\u62a5\u4ef7\u3002\u4e0e\u4e4b\u5bf9\u5e94\u7684\u6982\u5ff5\u201c\u57fa\u672c\u5229\u7387\u201d\uff0c\u662f\u7531\u4e2d\u56fd\u4eba\u6c11\u94f6\u884c\u5bf9\u56fd\u5bb6\u4e13\u4e1a\u94f6\u884c\u548c\u5176\u4ed6\u91d1\u878d\u673a\u6784\u89c4\u5b9a\u7684\u5b58\u8d37\u6b3e\u5229\u7387\uff0c\u662f\u91d1\u878d\u5e02\u573a\u666e\u904d\u53c2\u8003\u7684\u5229\u7387\uff0c\u7531\u592e\u884c\u4e0d\u5b9a\u671f\u53d1\u5e03\uff0c\u6211\u4eec\u65e5\u5e38\u751f\u6d3b\u4e2d\u5e38\u5e38\u542c\u5230\u7684\u964d\u606f\u3001\u52a0\u606f\uff0c\u90fd\u662f\u4ee5\u8fd9\u4e2a\u57fa\u51c6\u5229\u7387\u4e3a\u8c03\u6574\u6807\u51c6\u3002<\/span><\/p>\n<p><span style=\"color:#0d0016;\">\uff082\uff09IRR \u7684\u82f1\u6587\u91ca\u4e49&nbsp;<\/span><span style=\"color:#0d0016;\">internal rate of return<\/span><span style=\"color:#0d0016;\">&nbsp;\u5373\u5185\u90e8\u6536\u76ca\u7387\u6216\u5185\u90e8\u62a5\u916c\u7387\uff0c\u8003\u8651\u4e86\u8d27\u5e01\u7684\u65f6\u95f4\u4ef7\u503c\uff0c\u7c7b\u4f3c\u4e8e\u51c0\u73b0\u503c\uff1b<\/span>\u901a\u8fc7\u5b83\u53ef\u4ee5\u53cd\u5e94\u51fa\u4e00\u4e2a\u4ea7\u54c1\u5728\u67d0\u4e2a\u65f6\u70b9\u7684\u771f\u5b9e\u6536\u76ca\u7387\u3002<span style=\"color:#0d0016;\">\u901a\u5e38\u5185<\/span>\u90e8\u6536\u76ca\u7387\u5927\u4e8e\u8d34\u73b0\u7387\u5219\u9879\u76ee\u53ef\u884c\uff0c\u82e5\u5185\u90e8\u6536\u76ca\u7387\u5c0f\u4e8e\u8d34\u73b0\u7387\u5219\u9879\u76ee\u4e0d\u53ef\u884c\u3002<\/p>\n<p><span style=\"color:#0d0016;\">\uff083\uff09APR \u82f1\u6587\u91ca\u4e49&nbsp;A<\/span>nnual Percentage Rate\uff0c\u5e74\u5ea6\u767e\u5206\u6bd4\u5229\u7387\uff0c\u5f3a\u8c03\u5355\u5229\uff0c\u5728\u62a5\u51faAPR\u7684\u540c\u65f6\uff0c\u5fc5\u987b\u660e\u786e\u590d\u5229\u9891\u7387\uff1b<\/p>\n<p><span style=\"color:#0d0016;\">EAR \u82f1\u6587\u91ca\u4e49&nbsp;<\/span>Effective Annual Rate\uff0c\u6709\u6548\u5e74\u5229\u7387\uff0c\u5f3a\u8c03\u590d\u5229\uff1b<\/p>\n<p>EAR=\uff081+APR\/m\uff09^m-1\uff0cm\u4e3a\u590d\u5229\u9891\u7387\uff1b<\/p>\n<p>\u8fd9\u4e00\u5957\u662f\u7531\u7f8e\u56fd\u7684\u4fe1\u8d37\u516c\u5e73\u6cd5\u89c4\u5b9a\u7684\u4e00\u79cd\u8ba1\u606f\u65b9\u5f0f\uff0c\u5176\u7279\u70b9\u662f\uff1a\u4ee5\u4e24\u6b21\u652f\u4ed8\u7684\u6700\u77ed\u65f6\u95f4\u95f4\u9694\u4e3a\u590d\u5229\u65f6\u6bb5\uff0c\u786e\u5b9a\u65f6\u6bb5\u5230\u671f\u6536\u76ca\u7387\uff0c\u518d\u5c06\u65f6\u6bb5\u5230\u671f\u6536\u76ca\u7387\u4e58\u4ee5\u4e00\u5e74\u4e2d\u7684\u590d\u5229\u65f6\u6bb5\u6570\u3002\u8fd9\u4e00\u89c4\u5b9a\u7684\u76ee\u7684\uff0c\u5c31\u662f\u4e3a\u4e86\u5728\u4e0d\u540c\u7684\u8ba1\u606f\u65b9\u5f0f\u4e4b\u95f4\uff0c\u5efa\u7acb\u4e00\u5957\u80fd\u4e3a\u6240\u6709\u4eba\u90fd\u4e86\u89e3\u7684\u6807\u51c6\u7a0b\u5e8f\u4e0e\u65b9\u6cd5\u3002<\/p>\n<p>\uff084\uff09ARR \u7684\u82f1\u6587\u91ca\u4e49 accounting rate of return \u5373\u4f1a\u8ba1\u6536\u76ca\u7387\u6216\u5e73\u5747\u6536\u76ca\u7387\uff1b<\/p>\n<p>\u901a\u5e38ARR=\u5e73\u5747\u5e74\u73b0\u91d1\u6d41\u91cf\/\u521d\u59cb\u6295\u8d44\u989d\uff0c\u672a\u8003\u8651\u8d27\u5e01\u7684\u65f6\u95f4\u4ef7\u503c\uff0c\u4e5f\u672a\u8003\u521d\u59cb\u6295\u8d44\u7684\u6d41\u91cf\u53d8\u52a8<\/p>\n<p><span style=\"color:#0d0016;\"><strong>\u62d3\u5c55<\/strong>\uff1a\u8d37\u6b3e\u5e02\u573a\uff08\u6b64\u5904\u4e3b\u8981\u6307\u975e\u94f6\u5e02\u573a\uff09\u901a\u5e38\u4e5f\u6709IRR\u4e0eAPR\uff08\u4e5f\u53ebARR\uff09\u4e24\u79cd\u5229\u7387\u62a5\u4ef7\u65b9\u5f0f\uff0c\u8fd9\u91cc\u7684\u5b9a\u4e49\u4e0e\u4e0a\u8ff0\u7565\u6709\u4e0d\u540c\uff0c\u8981\u6ce8\u610f\u533a\u5206\u3002\u6b64\u5904IRR\u4e0eAPR\u7684\u4e3b\u8981\u533a\u522b\u662f\u5728\u4e8e\u5229\u606f\u7684\u8ba1\u7b97\u65b9\u5f0f\u4e0d\u540c\uff0c\u89e3\u8bfb\u4e5f\u6709\u6240\u4e0d\u540c<\/span><\/p>\n<p><span style=\"color:#0d0016;\">\u4ee5\u6807\u51c6\u7b49\u989d\u672c\u606f\u4e3a\u4f8b\uff1a<\/span><\/p>\n<p><span style=\"color:#0d0016;\">IRR&nbsp; \u901a\u5e38\u6307\u6bcf\u671f\u5229\u606f\/\u5f53\u671f\u671f\u521d\u5269\u4f59\u672c\u91d1\u540e\u518d\u6362\u7b97\u6210\u5e74\u5229\u7387\uff1b<\/span><\/p>\n<p><span style=\"color:#0d0016;\">APR \u901a\u5e38\u6307\u5e74\u5747\u5229\u606f\u603b\u548c\/\u521d\u59cb\u8d37\u6b3e\u672c\u91d1<\/span><\/p>\n<p><span style=\"color:#0d0016;\">\u6309\u6b64\u89e3\u8bfb\u65b9\u5f0f\u65f6\uff0cIRR\u7ea6\u662fAPR\u76841.8\u500d<\/span><\/p>\n<p>2\u3001PV\/NPV\uff0cFV<\/p>\n<p>PV\/NPV\uff08net&nbsp;present value\uff09\u73b0\u503c\u548c\u51c0\u73b0\u503c\uff1a\u6307\u672a\u6765\u7684\u73b0\u91d1\u6d41\u6309\u4e00\u5b9a\u7684\u6298\u73b0\u7387\u6298\u73b0\u540e\u7684\u5f53\u524d\u4ef7\u503c\uff0c\u662f\u8003\u8651\u8d27\u5e01\u65f6\u95f4\u4ef7\u503c\u56e0\u7d20\u540e\u7684\u8ba1\u91cf\uff1b<\/p>\n<p>FV\uff08future&nbsp;value\uff09\u7ec8\u503c\u6216\u4e00\u7cfb\u5217\u672a\u6765\u4ed8\u6b3e\u989d\u7684\u672a\u6765\u6298\u73b0\uff0c\u6216\u53eb\u672a\u6765\u4ef7\u503c;<\/p>\n<p>3\u3001PMT\/PPMT\/IPMT<\/p>\n<p>PMT \u5e74\u91d1\u6982\u5ff5\uff0c\u6bcf\u671f\u56fa\u5b9a\u73b0\u91d1\u6d41\uff0c\u57fa\u4e8e\u56fa\u5b9a\u5229\u7387\u53ca\u7b49\u989d\u5206\u671f\u4ed8\u6b3e\u65b9\u5f0f\u8fd4\u56de\u8d37\u6b3e\u7684\u6bcf\u671f\u652f\u4ed8\u91d1\u989d\uff0c\u540c\u4e8e\u65e5\u5e38\u6240\u89c1\u7684\u7b49\u989d\u672c\u606f\u6708\u8fd8\u6b3e\u603b\u989d<\/p>\n<p>PPMT \u57fa\u4e8e\u56fa\u5b9a\u5229\u7387\u53ca\u7b49\u989d\u5206\u671f\u4ed8\u6b3e\u65b9\u5f0f\u4e0b\u7ed9\u5b9a\u671f\u6b21\u5185\u67d0\u9879\u6295\u8d44\u56de\u62a5\uff08\u6216\u8d37\u6b3e\u507f\u8fd8\uff09\u7684\u672c\u91d1\u90e8\u5206<\/p>\n<p>IPMT \u57fa\u4e8e\u56fa\u5b9a\u5229\u7387\u53ca\u7b49\u989d\u5206\u671f\u4ed8\u6b3e\u65b9\u5f0f\u4e0b\u7ed9\u5b9a\u671f\u6b21\u5185\u67d0\u9879\u6295\u8d44\u56de\u62a5\uff08\u6216\u8d37\u6b3e\u507f\u8fd8\uff09\u7684\u5229\u606f\u90e8\u5206<\/p>\n<\/p>\n<h2 style=\"margin-left:0px;\">\u4e8c\u3001\u6570\u5b66\u903b\u8f91<\/h2>\n<p>1\u3001APR\u4e0eEAR<\/p>\n<p style=\"margin-left:0;\">\u82e5\u590d\u5229\u6b21\u6570\u4e3am\uff0c\u5219\uff1aEAR=\uff081+APR\/m\uff09^m-1\uff0c\u5f53m\u4e3a1\u65f6\uff0cAPR=EAR\uff1b<\/p>\n<p style=\"margin-left:0;\">\u4e3e\u4f8b\uff1a<\/p>\n<p style=\"margin-left:0;\">\u62a5APR12%\uff0c\u6309\u6708\u590d\u5229\uff0c\u5219\u6709\u6548\u5e74\u5229\u7387EAR=\uff081+12%\/12\uff09^12-1=12.68%<\/p>\n<p style=\"margin-left:0;\">\u62a5APR12%\uff0c\u6309\u5b63\u590d\u5229\uff0c\u5219\u6709\u6548\u5e74\u5229\u7387EAR=\uff081+12%\/4\uff09^4-1=12.55%<\/p>\n<p style=\"margin-left:0;\">\u62a5APR12%\uff0c\u6309\u534a\u5e74\u590d\u5229\uff0c\u5219\u6709\u6548\u5e74\u5229\u7387EAR=\uff081+12%\/2\uff09^2-1=12.36%<\/p>\n<p style=\"margin-left:0;\">\u5e74\u5ea6\u767e\u5206\u6bd4\u5229\u7387\uff08APR\uff09\u901a\u5e38\u5c0f\u4e8e\u6709\u6548\u5e74\u5229\u7387\uff08EAR\uff09<\/p>\n<p style=\"margin-left:0;\">2\u3001PMT\/PV\/FV&nbsp;<\/p>\n<p style=\"margin-left:0;\">&nbsp;\u53c2\u6570\uff1a\u671f\u6570N\uff0c\u5229\u7387\uff08\u6298\u73b0\u7387\uff09R\uff0c\u5e74\u91d1PMT\uff0c\u7ec8\u503cFV\uff0c\u73b0\u503cPV\uff0cR\u540cN\u9700\u4e3a\u540c\u4e00\u65f6\u95f4\u7ef4\u5ea6\uff08\u5373\u5e74\u5bf9\u5e74\u5229\u7387\uff0c\u6708\u5bf9\u6708\u5229\u7387\uff0c\u65e5\u5bf9\u65e5\u5229\u7387\uff0c\u6708\u5229\u7387=\u5e74\u5229\u7387\/12\uff0c\u65e5\u5229\u7387=\u6708\u5229\u7387\/\u6708\u5185\u5929\u6570\uff09<\/p>\n<p style=\"margin-left:0;\">\uff081\uff09PMT\uff1a<\/p>\n<p style=\"margin-left:0;\"><img decoding=\"async\" src=\"https:\/\/img.mushiming.top\/app\/mushiming_com\/7936cd492c154a8b8f99ea8032bd56bb.png\" =\"\" =\"\" alt=\"LPR\/IRR\/APR\/PMT\/PV\/FV\u533a\u5206\uff0cexcel\u4e2dPMT\/PV\/FV\u8fd0\u7528\uff0c\u7b49\u989d\u672c\u606f\/\u7b49\u989d\u672c\u91d1excel\u8ba1\u7b97\u5668 (https:\/\/mushiming.com\/)  \u7b2c1\u5f20\" title=\"LPR\/IRR\/APR\/PMT\/PV\/FV\u533a\u5206\uff0cexcel\u4e2dPMT\/PV\/FV\u8fd0\u7528\uff0c\u7b49\u989d\u672c\u606f\/\u7b49\u989d\u672c\u91d1excel\u8ba1\u7b97\u5668  \u7b2c1\u5f20-\u7a46\u4e16\u660e\u535a\u5ba2\" ><\/p>\n<p style=\"margin-left:0;\">\u5176\u4e2dP\u662fPV\u5373\u521d\u59cb\u672c\u91d1<\/p>\n<p style=\"margin-left:0;\">\uff082\uff09PV\/FV<\/p>\n<p style=\"margin-left:0;\">PV=FV\/(1+R)^N&nbsp; \u662f\u672a\u6765\u4ef7\u503c\u7684\u73b0\u503c&nbsp;<\/p>\n<p style=\"margin-left:0;\">FV=PV*(1+R)^N&nbsp; \u6bcf\u671f\u90fd\u672c\u606f\u590d\u5229\uff0c\u662f\u73b0\u503c\u7684\u672a\u6765\u4ef7\u503c<\/p>\n<p style=\"margin-left:0;\">FV\/PV=(1+R)^N&nbsp; &nbsp;\u672a\u6765\u503c\u4e0e\u73b0\u503c\u7684\u6298\u7b97\u7cfb\u6570<\/p>\n<p style=\"margin-left:0;\"><strong>\u5df2\u77e5\u671f\u6570N\uff0c\u5229\u7387\uff08\u6298\u73b0\u7387\uff09R\u540e\uff0cPMT\/FV\/PV\u4e09\u503c\u4e2d\u5df2\u77e5\u4efb\u4e00\u53d8\u91cf\u53ef\u6c42\u5176\u4ed6\u4e24\u4e2a\u53d8\u91cf\uff1b<\/strong><\/p>\n<p style=\"margin-left:0;\">\u62d3\u5c55\uff1a\u5e74\u5316\u5229\u738712%\uff0c12\u671f\uff0c\u5219FV\/PV=(1+12%\/12)^12=1.1268\uff0c\u53ef\u4ee5\u89c2\u5bdf\u7ed3\u679c\u503c\u4e0e\u4e0a\u65b9\u62a5APR12%\u6309\u6708\u590d\u5229\u65f6\u6709\u6548\u5e74\u5229\u7387EAR\u7684\u503c<\/p>\n<h2><\/h2>\n<h2>\u4e09\u3001EXCEL\u51fd\u6570<\/h2>\n<p style=\"margin-left:0px;\"><strong>1\u3001PMT\/PPMT\/IPMT\/PV\/FV<\/strong><\/p>\n<p>\u516c\u5f0f&nbsp; =PMT(rate, nper, pv, [fv], [type])&nbsp; &nbsp;&nbsp;<\/p>\n<p>\u516c\u5f0f&nbsp; =PPMT(rate,per,nper,pv, [fv], [type])<\/p>\n<p>\u516c\u5f0f&nbsp; =IPMT(rate,per,nper,pv, [fv], [type])<\/p>\n<p>\u516c\u5f0f&nbsp; =PV(rate, nper,pmt,[fv], [type])<\/p>\n<p>\u516c\u5f0f&nbsp; =FV(rate, nper,pmt,[pv], [type])<\/p>\n<p>\u53c2\u6570\u5b9a\u4e49\uff1arate\u5229\u7387\uff1bnper\u671f\u6570\uff08\u603b\u671f\u6570\uff09\uff1bper\u6240\u5c5e\u671f\uff08\u5355\u671f\uff0c\u7b2c\u51e0\u671f\uff09\uff0cpv\u73b0\u503c\u6216\u521d\u59cb\u672c\u91d1\uff0cpmt\u5e74\u91d1\u6216\u53eb\u6708\u652f\u4ed8\u989d\uff0cfv\u7ec8\u503c\u6216\u672a\u6765\u4ef7\u503c\uff1b<\/p>\n<p>[pv]\uff0c[fv]\u9009\u586b\uff0c\u7f3a\u7701\u503c\u4e3a0\uff1b<\/p>\n<p>[type]\u9009\u586b\uff0c\u4e3a0\u62161\uff0c\u7528\u4ee5\u6307\u5b9a\u5404\u671f\u7684\u4ed8\u6b3e\u65f6\u95f4\u662f\u5728\u671f\u521d\u8fd8\u662f\u671f\u672b\uff0c\u7f3a\u7701\u503c\u4e3a0\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/img.mushiming.top\/app\/mushiming_com\/8c2b568e47824f3ea69810aa07b48b37.png\" =\"\" =\"\" alt=\"LPR\/IRR\/APR\/PMT\/PV\/FV\u533a\u5206\uff0cexcel\u4e2dPMT\/PV\/FV\u8fd0\u7528\uff0c\u7b49\u989d\u672c\u606f\/\u7b49\u989d\u672c\u91d1excel\u8ba1\u7b97\u5668 (https:\/\/mushiming.com\/)  \u7b2c2\u5f20\" title=\"LPR\/IRR\/APR\/PMT\/PV\/FV\u533a\u5206\uff0cexcel\u4e2dPMT\/PV\/FV\u8fd0\u7528\uff0c\u7b49\u989d\u672c\u606f\/\u7b49\u989d\u672c\u91d1excel\u8ba1\u7b97\u5668  \u7b2c2\u5f20-\u7a46\u4e16\u660e\u535a\u5ba2\" ><\/p>\n<\/p>\n<p>&nbsp;<strong>\u6ce8\u610f\u8bef\u533a\uff1a<\/strong><\/p>\n<\/p>\n<p style=\"margin-left:0;\"><strong>PMT\u53ef\u4f5c\u4e3a\u7b49\u989d\u672c\u606f\u6708\u8fd8\u6b3e\u91d1\u989d\uff0cPMT*N\u53ef\u4f5c\u4e3a\u7b49\u989d\u672c\u606f\u603b\u8fd8\u6b3e\u989d\uff0c\u4f46FV\u2260\u603b\u8fd8\u6b3e\u989d\uff0c\u5373FV\u2260PMT*N<\/strong><\/p>\n<p style=\"margin-left:0;\">\u539f\u56e0\uff1aFV\u8986\u76d6\u4e86\u65f6\u95f4\u4ef7\u503c\uff0c\u800c\u603b\u8fd8\u6b3e\u989d\u53ea\u662f\u4e2a\u6570\u5b57\u603b\u548c\uff1b<\/p>\n<p style=\"margin-left:0;\">\u5982\u4e0a\u56fe\u4e2d\u672a\u6765\u503c\u4e0e\u5e74\u91d1\u603b\u989d\u63a5\u8fd1\u4f46\u4e0d\u4e00\u81f4\uff1b<\/p>\n<p style=\"margin-left:0;\">\n<p><strong>2\u3001\u7b49\u989d\u672c\u606f\u3001\u7b49\u989d\u672c\u91d1\u8ba1\u7b97\u5668<\/strong><\/p>\n<p>\u8fd0\u7528\u4e0a\u8ff0\u516c\u5f0f\uff0c\u53ef\u5728excel\u4e2d\u5feb\u901f\u6784\u5efa\u7b49\u989d\u672c\u606f\u3001\u7b49\u989d\u672c\u91d1\u8fd8\u6b3e\u8ba1\u5212\u5217\u8868\uff1a<\/p>\n<p>\u53c2\u6570\u9879\uff1a\u8d37\u6b3e\u672c\u91d1\uff0c\u5229\u7387\uff08\u53ef\u4ee5\u662f\u5e74\/\u5b63\/\u6708\/\u65e5\uff09\uff0c\u671f\u6570\uff08\u53ef\u4ee5\u662f\u5e74\/\u5b63\/\u6708\/\u65e5\uff09<\/p>\n<p>\u8f93\u51fa\u9879\uff1a\u6708\u8fd8\u603b\u989d\uff0c\u6708\u8fd8\u672c\u91d1\uff0c\u6708\u8fd8\u5229\u606f\uff0c\u671f\u672b\u5269\u4f59\u672c\u91d1<\/p>\n<p>\u5982\u4e0b\uff08\u56fe\u4e2d\u7b49\u989d\u672c\u606f\u63d0\u4f9b\u4e863\u79cd\u6708\u8fd8\u5229\u606f\u7684\u8ba1\u7b97\u65b9\u5f0f\uff0c\u4fbf\u4e8e\u7406\u89e3\u7b49\u989d\u672c\u606f\u6982\u5ff5\uff09\uff1a<\/p>\n<p style=\"text-align:center;\"><img decoding=\"async\" src=\"https:\/\/img.mushiming.top\/app\/mushiming_com\/1ee476fcc8904cefa4d617589c774d49.png\" =\"\" =\"\" alt=\"LPR\/IRR\/APR\/PMT\/PV\/FV\u533a\u5206\uff0cexcel\u4e2dPMT\/PV\/FV\u8fd0\u7528\uff0c\u7b49\u989d\u672c\u606f\/\u7b49\u989d\u672c\u91d1excel\u8ba1\u7b97\u5668 (https:\/\/mushiming.com\/)  \u7b2c3\u5f20\" title=\"LPR\/IRR\/APR\/PMT\/PV\/FV\u533a\u5206\uff0cexcel\u4e2dPMT\/PV\/FV\u8fd0\u7528\uff0c\u7b49\u989d\u672c\u606f\/\u7b49\u989d\u672c\u91d1excel\u8ba1\u7b97\u5668  \u7b2c3\u5f20-\u7a46\u4e16\u660e\u535a\u5ba2\" ><\/p>\n<\/p>\n<p style=\"margin-left:0px;\"><strong>3\u3001\u7b49\u989d\u672c\u606f\u3001\u7b49\u989d\u672c\u91d1\u3001\u4e0e\u7b49\u672c\u7b49\u8d39<\/strong><\/p>\n<p style=\"margin-left:0;\">\uff081\uff09\u7b49\u989d\u672c\u606f\u3001\u7b49\u989d\u672c\u91d1\u3001\u5148\u606f\u540e\u672c\uff1a<\/p>\n<p style=\"margin-left:0;\">\u53ea\u8981\u5229\u7387\u672a\u53d8\uff0c\u8d44\u91d1\u4ef7\u683c\u5c31\u672a\u53d8\uff0c\u8fd9\u4e09\u79cd\u8fd8\u6b3e\u65b9\u5f0f\u5b9a\u4ef7\u672c\u8d28\u662f\u4e00\u6837\u7684<\/p>\n<p style=\"margin-left:0;\">a\u3001\u7b49\u989d\u672c\u606f\u4e0e\u7b49\u989d\u672c\u91d1\u7684\u672c\u8d28\u90fd\u662f\u5728\u6bcf\u671f\u671f\u521d\u5269\u4f59\u672c\u91d1\u7684\u57fa\u7840\u4e0a\u6309\u56fa\u5b9a\u5229\u7387\u6838\u7b97\u5f53\u671f\u5229\u606f\uff0c\u533a\u522b\u4ec5\u662f\u6708\u8fd8\u672c\u91d1\u4e0d\u540c\u5bfc\u81f4\u6bcf\u671f\u5269\u4f59\u672c\u91d1\u4e0d\u540c\uff1b<\/p>\n<p style=\"margin-left:0;\">\u5148\u606f\u540e\u672c\u7531\u4e8e\u6bcf\u671f\u5269\u4f59\u672c\u91d1\u4e0d\u53d8\uff0c\u6240\u4ee5\u65e0\u8bba\u662f\u6309\u671f\u4ed8\u606f\u5230\u671f\u8fd8\u672c\u8fd8\u662f\u5230\u671f\u4e00\u6b21\u6027\u8fd8\u672c\u4ed8\u606f\uff0c\u4e5f\u90fd\u662f\u5728\u5269\u4f59\u672c\u91d1\u7684\u57fa\u7840\u4e0a\u6309\u56fa\u5b9a\u5229\u7387\u6838\u7b97\u5f53\u671f\u5229\u606f\uff0c\u5229\u606f\u7684\u7b97\u6cd5\u4e0e\u7b49\u989d\u672c\u606f\u3001\u7b49\u989d\u672c\u91d1\u4e00\u81f4<\/p>\n<p style=\"margin-left:0;\">b\u3001\u672c\u606f\u5f62\u6001\uff0c\u4e3a\u4fdd\u8bc1\u53ef\u89c6\u5316\uff0c\u4ee5\u5e74\u531636%\uff0c60\u4e07\u672c\u91d1\uff0c5\u5e74\u671f\u4e3a\u4f8b\uff1a<\/p>\n<p style=\"margin-left:0;\">\u4ee5\u4e0b\u662f\u6708\u8fd8\u672c\u606f\u7684\u7edd\u5bf9\u6570\u5f62\u6001\uff1a\u7b49\u989d\u672c\u606f\u6708\u8fd8\u672c\u91d1\u9012\u589e\uff0c\u7b49\u989d\u672c\u91d1\u6708\u8fd8\u672c\u91d1\u4e0d\u53d8<\/p>\n<h2 style=\"margin-left:0px;\"><img decoding=\"async\" src=\"https:\/\/img.mushiming.top\/app\/mushiming_com\/f5487655070742f29e34c609cb5dced0.png\" =\"\" =\"\" alt=\"LPR\/IRR\/APR\/PMT\/PV\/FV\u533a\u5206\uff0cexcel\u4e2dPMT\/PV\/FV\u8fd0\u7528\uff0c\u7b49\u989d\u672c\u606f\/\u7b49\u989d\u672c\u91d1excel\u8ba1\u7b97\u5668 (https:\/\/mushiming.com\/)  \u7b2c4\u5f20\" title=\"LPR\/IRR\/APR\/PMT\/PV\/FV\u533a\u5206\uff0cexcel\u4e2dPMT\/PV\/FV\u8fd0\u7528\uff0c\u7b49\u989d\u672c\u606f\/\u7b49\u989d\u672c\u91d1excel\u8ba1\u7b97\u5668  \u7b2c4\u5f20-\u7a46\u4e16\u660e\u535a\u5ba2\" ><\/h2>\n<\/p>\n<p>&nbsp;\u4ee5\u4e0b\u662f\u6708\u8fd8\u672c\u606f\u7684\u6bd4\u4f8b\u5f62\u6001\uff1a<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/img.mushiming.top\/app\/mushiming_com\/eddd40ba3c14436893ffe3cdc1eca473.png\" =\"\" =\"\" alt=\"LPR\/IRR\/APR\/PMT\/PV\/FV\u533a\u5206\uff0cexcel\u4e2dPMT\/PV\/FV\u8fd0\u7528\uff0c\u7b49\u989d\u672c\u606f\/\u7b49\u989d\u672c\u91d1excel\u8ba1\u7b97\u5668 (https:\/\/mushiming.com\/)  \u7b2c5\u5f20\" title=\"LPR\/IRR\/APR\/PMT\/PV\/FV\u533a\u5206\uff0cexcel\u4e2dPMT\/PV\/FV\u8fd0\u7528\uff0c\u7b49\u989d\u672c\u606f\/\u7b49\u989d\u672c\u91d1excel\u8ba1\u7b97\u5668  \u7b2c5\u5f20-\u7a46\u4e16\u660e\u535a\u5ba2\" ><\/p>\n<\/p>\n<p>\uff082\uff09\u7b49\u989d\u672c\u606f\u4e0e\u7b49\u672c\u7b49\u8d39<\/p>\n<p>\u8d37\u6b3e\u5e02\u573a\u4e0a\u5e38\u89c1\u6709\u4e00\u79cd\u7b49\u672c\u7b49\u8d39\u7684\u62a5\u4ef7\u65b9\u5f0f\uff0c\u6b64\u79cd\u65b9\u6cd5\uff0c\u6bcf\u671f\u90fd\u662f\u4ee5\u521d\u59cb\u8d37\u6b3e\u672c\u91d1\u6309\u56fa\u5b9a\u5229\u7387\u6838\u7b97\u5f53\u671f\u8d39\u7528\uff08\u4e5f\u6709\u79f0\u5229\u606f\uff09\uff0c\u5b8c\u5168\u5ffd\u7565\u5386\u53f2\u6708\u4efd\u5df2\u8fd8\u672c\u91d1\u53ca\u5df2\u7ecf\u9012\u51cf\u4e86\u7684\u5269\u4f59\u672c\u91d1\u56e0\u7d20\u3002\u6309\u6b64\u53e3\u5f84\u7684\u8fd8\u6b3e\u65b9\u5f0f\u901a\u5e38\u88ab\u79f0\u4e3a\u7b49\u672c\u7b49\u8d39\uff08\u4e5f\u6709\u79f0\u7b49\u672c\u7b49\u606f\uff0c\u7531\u4e8e\u5176\u672c\u8d28\u975e\u201c\u606f\u201d\u7684\u6982\u5ff5\uff0c\u6545\u8ba4\u4e3a\u6b64\u53eb\u6cd5\u4e0d\u5408\u7406\uff09\u3002\u7b49\u989d\u672c\u606f\u3001\u7b49\u989d\u672c\u91d1\u3001\u7b49\u672c\u7b49\u8d39\u7684\u7279\u5f81\u5dee\u5f02\u5927\u81f4\u5982\u4e0b<\/p>\n<table cellspacing=\"0\" style=\"width:390pt;\">\n<tbody>\n<tr>\n<td style=\"border-color:#000000;text-align:center;vertical-align:middle;width:56pt;\">\u5206\u7c7b\u8bf4\u660e<\/td>\n<td style=\"border-color:#000000;text-align:center;vertical-align:middle;width:143pt;\">\u671f\u8fd8\u5229\u606f<\/td>\n<td style=\"border-color:#000000;text-align:center;vertical-align:middle;width:122pt;\">\u671f\u8fd8\u672c\u91d1<\/td>\n<td style=\"border-color:#000000;text-align:center;vertical-align:middle;width:69pt;\">\u671f\u8fd8\u603b\u989d<\/td>\n<\/tr>\n<tr>\n<td style=\"border-color:#000000;text-align:center;vertical-align:middle;\">\u7b49\u989d\u672c\u606f<\/td>\n<td style=\"border-color:#000000;text-align:center;vertical-align:middle;width:143pt;\">\u671f\u521d\u5269\u4f59\u672c\u91d1*\u671f\u8d39\u7387\uff0c<br \/> \u6bcf\u671f\u9012\u51cf<\/td>\n<td style=\"border-color:#000000;text-align:center;vertical-align:middle;\">\n<p style=\"text-align:center;\">PPMT\u7b97\u6cd5\uff0c<\/p>\n<p style=\"text-align:center;\">\u6bcf\u671f\u9012\u589e<\/p>\n<\/td>\n<td style=\"border-color:#000000;text-align:center;vertical-align:middle;\">\u6bcf\u671f\u4e00\u81f4<\/td>\n<\/tr>\n<tr>\n<td style=\"border-color:#000000;text-align:center;vertical-align:middle;\">\u7b49\u989d\u672c\u91d1<\/td>\n<td style=\"border-color:#000000;text-align:center;vertical-align:middle;width:143pt;\">\u671f\u521d\u5269\u4f59\u672c\u91d1*\u671f\u8d39\u7387\uff0c<br \/> \u6bcf\u671f\u9012\u51cf<\/td>\n<td style=\"border-color:#000000;text-align:center;vertical-align:middle;width:122pt;\">\u521d\u59cb\u8d37\u6b3e\u672c\u91d1\/\u603b\u671f\u6570\uff0c<br \/> \u6708\u5ea6\u4e0d\u53d8<\/td>\n<td style=\"border-color:#000000;text-align:center;vertical-align:middle;\">\u6bcf\u671f\u9012\u51cf<\/td>\n<\/tr>\n<tr>\n<td style=\"border-color:#000000;text-align:center;vertical-align:middle;\">\u7b49\u672c\u7b49\u8d39<\/td>\n<td style=\"border-color:#000000;text-align:center;vertical-align:middle;width:143pt;\">\u521d\u59cb\u8d37\u6b3e\u672c\u91d1*\u671f\u8d39\u7387\uff0c<br \/> \u6bcf\u671f\u4e0d\u53d8<\/td>\n<td style=\"border-color:#000000;text-align:center;vertical-align:middle;width:122pt;\">\u521d\u59cb\u8d37\u6b3e\u672c\u91d1\/\u603b\u671f\u6570\uff0c<br \/> \u6708\u5ea6\u4e0d\u53d8<\/td>\n<td style=\"border-color:#000000;text-align:center;vertical-align:middle;\">\u6bcf\u671f\u4e00\u81f4<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u4ee5\u4e0a\u4e09\u79cd\u65b9\u5f0f\uff0c\u540c\u6837\u7684\u5229\u7387\u62a5\u4ef7\uff0c\u6298\u7b97\u6210ARP\u540e\uff0c\u7b49\u672c\u7b49\u8d39\u7ea6\u662f\u7b49\u989d\u672c\u606f\u76841.8\u500d\u3002<\/p>\n<\/p>\n<\/p>\n<p> &nbsp;<\/p>\n<\/p>\n<\/p>\n<p style=\"margin-left:0;\">\n<\/p>\n<\/p>\n<\/p>\n<\/p>\n<p style=\"margin-left:0;\">\n<p style=\"margin-left:0;\">\n","protected":false},"excerpt":{"rendered":"LPR\/IRR\/APR\/PMT\/PV\/FV\u533a\u5206\uff0cexcel\u4e2dPMT\/PV\/FV\u8fd0\u7528\uff0c\u7b49\u989d\u672c\u606f\/\u7b49\u989d\u672c\u91d1excel\u8ba1\u7b97\u5668LPR\u3001IRR\/APR\uff0cPV\/FV\u533a\u5206\uff0cEXCEL\u4e2dPMT\/PPMT...","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"_links":{"self":[{"href":"https:\/\/mushiming.com\/wp-json\/wp\/v2\/posts\/9166"}],"collection":[{"href":"https:\/\/mushiming.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mushiming.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mushiming.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mushiming.com\/wp-json\/wp\/v2\/comments?post=9166"}],"version-history":[{"count":0,"href":"https:\/\/mushiming.com\/wp-json\/wp\/v2\/posts\/9166\/revisions"}],"wp:attachment":[{"href":"https:\/\/mushiming.com\/wp-json\/wp\/v2\/media?parent=9166"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mushiming.com\/wp-json\/wp\/v2\/categories?post=9166"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mushiming.com\/wp-json\/wp\/v2\/tags?post=9166"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}