前言
尊敬的客户：
您好！
首先感谢您到本公司咨询并寻求财务策划建议。
我们的职责是准确评估您的财务需求，并在此基础上为您提供高质量的财务建议和长期的服务。本理财计划将在不影响您目前的生活方式的前提下，帮助您积累财富、保障家庭财务状况，满足您的财务需求。
本理财计划是在您本人提供的目前资料和目标基础上制订的。请您仔细阅读本计划书，以确保这些资料准确无误。
本理财计划的内容严格遵守了法律的相关规定，理财计划的内容需要随着您本人状况和其他因素的变化定期进行修改和完善。
您如果有任何疑问，欢迎您随时联系本公司，我们期待与您共同完善和执行本建议。
助理理财师：00
班级：00000班级
学号：000000000
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1.本理财报告用来帮助您明确财务需求及目标，帮助您对理财事务进行更好的决策。本理财报告是在您提供的资料基础上，并基于通常可接受的假设、合理的估计，综合考虑您的资产负债状况、理财目标、现金收支以及理财对策而制定的，推算出的结果可能与您的真实情况存有一定的误差，您提供信息的完整性、真实性将有利于我们为你更好的量身定制个人理财计划，提供更好的个人理财服务。作为我行尊敬的客户，所有信息都由您自愿提供，我们将为您严格保密。
2.所有的理财规划分析都基于您目前的家庭状况、财务状况、生活环境、未来目标和计划、您对一些金融参数的假设、中华人民共和国目前生效的法律（含地方法规）以及目前所处的经济形势。以上内容都有可能发生变化，我们建议您定期审视您的财务目标和规划，特别是当你的婚姻状况改变时更需如此。
3.对本理财报告中涉及的金融产品，提供产品的金融机构享有对这些产品的最终解释权。同时，除了确定收益率的金融产品外（如存款、债券），本理财报告不保证分析过程中所采用的金融产品的收益。我行的理财建议为参考性质的，其不代表我行对实现理财目标的保证。
一、客户信息
（一）客户信息管理
1.新增客户
表1.1.1 客户基本信息
客户名称陈立健性别男
年龄30 婚姻状况已婚
职业上班族地址上海市浦东新区张东路1388
号城市之星5栋2202学历水平研究生联系方式182********
2.家庭成员
表1.1.2 客户家庭成员信息
关系成员名称年龄职业学历水平
配偶方芳27 教师本科
长子
长女
父亲
母亲
（二）财务分析
1.生命周期分析
表1.2.1 客户生命周期分析
生命周期家庭形成期
这一时期，该客户可支配收入中；支出高；风险承受能力中高。
2.家庭现金流量表
表1.2.2 客户家庭现金流量表 2016年
项目金额（元）
收入工资和薪金467820 自雇收入
奖金和佣金172110
养老金和年金
其他收入
总收入639930 日常生活支出66000
支出
房屋支出183626.63
汽车支出
商业保险费用
医疗费用2000
其他支出28000 总支出279626.63
结余360303.37
表1.2.3 家庭资产负债表 2016年12月31日项目金额（元）
金融资产现金与现金等价物
现金8000
活期存款20000
定期存款150000
其他类型存款
货币市场基金
其他金融资产
债券
股票
基金149232
权证
期货
外汇实盘投资
人民币理财产品
保险理财产品
证券理财产品
信托理财产品
其他
实物资产
自住房6000000 投资房
机动车
家具家电
珠宝和收藏品
其他个人资产
资产总计6327232
负债信用卡透支
消费贷款
创业贷款
汽车贷款
住房贷款2045456.90 其他负债
负债总计2045456.90 净资产4281775.1
3.财务比率分析
表1.2.4 财务比率分析
财务比例分析计算结果诊断
结余比率56.30% （偏高）
投资净资产比 3.49% （偏低）
流动性比例7.61 （偏高）
清偿比率67.67% （合理）
资产负债率32.33% （合理）
负债收入比28.69% （偏低）
即付比率8.66% （偏低）（三）理财目标设定与分析
表1.3.1 理财目标可行性分析
目标类别目标描述预期实现时间（年）可变更性
长期项目可（不可）变更短期项目可（不可）变更长期项目可（不可）变更短期项目可（不可）变更短期项目可（不可）变更短期项目可（不可）变更
二、分项规划
（一）现金规划
1.现金需求分析
表2.1.1 原现金等价物资产组成
现有现金及现金等价物现金（元）
银行活期存款（元）银行定期存款（元）其他存款（元）
货币市场基金（元）
根据对客户家庭财务报表的分析可以知道客户目前流动性资产为 _ (元)；每月支出为 _ (元)；客户家庭的流动性比率为 _ ；而根据分析该客户家庭职业及其收入的稳定程度我们判断该客户家庭需要准备倍的应急准备金以支付家庭日常开支和满足家庭的应急要求,因此该客户需要持有现金保证家庭成员正常生活个月的时间.从客户现有资产配置来看,该客户的家庭应急准备金。（偏多/合理/偏少）2.现金规划工具
表2.1.2 现金规划工具选择
现金银行活期存款
银行定期存款国债
企业债股票
货币市场基金证券投资基金
期权期货
外汇理财产品人民币理财产品
金融债信托理财产品
信用卡融资典当融资
保单质押融资
注意：此处需向客户推荐余额宝理财产品，介绍其收益和流动性情况，以及投资注意事项。
（二）保险规划
1.优先被保险人的确定
表2.2.1 优先被保险人的确定
姓名年龄
职业个人年收入
个人年收入占家庭年收入比重
2.保险金额的确定
表2.2.2 保险金额的确定
已买意外险保额（万元）保费支出（元）
已买寿险及重大疾病险保额（万元）保费支出（元）
建议寿险及重大疾病险保额（万元）建议保费支出（元）
建议意外险保额（万元）建议保费支出（元）此处需推荐一款寿险及重疾险和一款综合意外险（参考向日葵保险网）
（三）教育规划
1.教育资金缺口分析
2.3.1 教育投资策划
目前学费水平（元/年）筹集资金年限（年）
教育费用增长率（百分比）目前已储备教育基金（元）
教育资金总需求（元）教育资金缺口（元）
每月定投资金（元）
（四）购房规划
1.购房资金总需求
表2.4.1 购房总需求
以下信息需要客户输入
目前年结余（元）购房准备金（元）
拟几年后买房（年）拟贷款年数（年）
以下是默认信息，可手动修改
还款期数当地房价（元）
投资报酬率假设（百分比房屋贷款利率（百分比
以下信息由学生计算结果
可负担首付款（元）可负担房屋贷款额（元）
可负担买房总价（元）房屋贷款占总价成数（百分比
2.还款方式
表2.4.2 购房总需求
买房总价贷款方式贷款金额还款方式首期还款额
商业贷款等额本息还款
（五）投资规划
1.风险承受能力评估结果
表2.5.1 风险矩阵表
评估意见：您的风险承受能力属于，风险态度属于。我们建议您的资产配置比例为低风险%；中风险%；高风险%。
2.现有投资组合（低风险产品：现金、活期存款、定期存款、货币基金、货币理财产品；
中风险产品：债券、债券型基金、投资型房产；高风险产品：股票、期权、期货、外汇等）
表2.5.2 现有投资组合
资产类别当前价值比重（%）
低风险类
中风险类
高风险类
根据风险评估结果得出适合您的投资组合为低风险%；中风险%；高风险%。但是您现有的投资组合为：低风险%；中风险%；高风险%。因此判断您现有的投资组合调整。
3.投资理财方案
表2.5.3 现有投资组合
投资工具产品比例（百分比）投入金额（元）预期投资收益率低风险4
中风险8
高风险12
合计
此处需推荐一款中风险投资产品（债券型基金）和一款高风险投资产品（股票型投资基金）
基金简称基金代码
基金类型成立日期
2016年12月31日基
金规模
2016年12月31日份额规模
2016年投资收益率过去三年投资收益率(2014.01.01-2016.12.31)
申购费率（前端）赎回费率
业绩比较基准
2016年末资产配置
情况
（六）养老规划
表2.6.1 养老规划定投测算表客户名称年龄
预计退休年龄预期寿命
预计退休后年生活费
用退休当年需要储备的
退休费用
现有养老金储备预期收益率
现有养老金储备退休
当年终值
退休当年资金缺口退休前每年定投资金
(七）财产分配与传承规划
1.继承人
表2.7.1 继承人分析
继承人名称年龄继承人顺序
父亲第一顺序继承人
外祖父第一顺序继承人
母亲第一顺序继承人
外祖母第一顺序继承人
配偶第一顺序继承人
兄弟第一顺序继承人
姐妹第一顺序继承人
长子第一顺序继承人
长女第一顺序继承人
2.遗产种类与价值计算
表2.7.2 遗产种类与价值计算表
资产负债
种类金额种类金额现金及现金等价物信用卡透支
股票、债券、基金等投资创业贷款
合伙人投资收益汽车贷款
其他投资收益住房贷款
养老金（一次性收入现值）助学贷款
主要房产及其他房产消费贷款
收藏品、珠宝和贵重衣物其他负债
汽车、家具、其他资产负债总计
资产总计净资产总计
3.遗产分配方案
表2.7.3 遗产分配方案
继承人名称继承遗产总额（元）配偶
长子
长女
父亲
母亲
兄弟
姐妹
祖父
祖母
外祖父
外祖母
附表一复利终值系数表
1 1.0100 1.0200 1.0300 1.0400 1.0500 1.0600 1.0700 1.0800 1.0900 1.1000
2 1.0201 1.0404 1.0609 1.0816 1.1025 1.1236 1.1449 1.1664 1.1881 1.2100
3 1.0303 1.0612 1.0927 1.1249 1.1576 1.1910 1.2250 1.2597 1.2950 1.3310
4 1.0406 1.0824 1.125
5 1.1699 1.2155 1.2625 1.3108 1.3605 1.411
6 1.4641
5 1.0510 1.1041 1.1593 1.2167 1.2763 1.3382 1.402
6 1.4693 1.5386 1.6105
6 1.0615 1.1262 1.1941 1.2653 1.3401 1.4185 1.500
7 1.5869 1.6771 1.7716
7 1.0721 1.1487 1.2299 1.3159 1.4071 1.5036 1.6058 1.7138 1.8280 1.9487
8 1.0829 1.1717 1.2668 1.3686 1.4775 1.5938 1.7182 1.8509 1.9926 2.1436
9 1.0937 1.1951 1.3048 1.4233 1.5513 1.6895 1.8385 1.9990 2.1719 2.3579
10 1.1046 1.2190 1.3439 1.4802 1.6289 1.7908 1.9672 2.1589 2.3674 2.5937
11 1.1157 1.2434 1.3842 1.5395 1.7103 1.8983 2.1049 2.3316 2.5804 2.8531
12 1.1268 1.2682 1.4258 1.6010 1.7959 2.0122 2.2522 2.5182 2.8127 3.1384
13 1.1381 1.2936 1.4685 1.6651 1.8856 2.1329 2.4098 2.7196 3.0658 3.4523
14 1.1495 1.3195 1.5126 1.7317 1.9799 2.2609 2.5785 2.9372 3.3417 3.7975
15 1.1610 1.3459 1.5580 1.8009 2.0789 2.3966 2.7590 3.1722 3.6425 4.1772
16 1.1726 1.3728 1.6047 1.8730 2.1829 2.5404 2.9522 3.4259 3.9703 4.5950
17 1.1843 1.4002 1.6528 1.9479 2.2920 2.6928 3.1588 3.7000 4.3276 5.0545
18 1.1961 1.4282 1.7024 2.0258 2.4066 2.8543 3.3799 3.9960 4.7171 5.5599
19 1.2081 1.4568 1.7535 2.1068 2.5270 3.0256 3.6165 4.3157 5.1417 6.1159
20 1.2202 1.4859 1.8061 2.1911 2.6533 3.2071 3.8697 4.6610 5.6044 6.7275
21 1.2324 1.5157 1.8603 2.2788 2.7860 3.3996 4.1406 5.0338 6.10887.4002
22 1.2447 1.5460 1.9161 2.3699 2.9253 3.6035 4.4304 5.4365 6.65868.1403
23 1.2572 1.5769 1.9736 2.4647 3.0715 3.8197 4.7405 5.87157.25798.9543
24 1.2697 1.6084 2.0328 2.5633 3.2251 4.0489 5.0724 6.34127.91119.8497
25 1.2824 1.6406 2.0938 2.6658 3.3864 4.2919 5.4274 6.84858.623110.835
26 1.2953 1.6734 2.1566 2.7725 3.5557 4.5494 5.80747.39649.399211.918
27 1.3082 1.7069 2.2213 2.8834 3.7335 4.8223 6.21397.988110.24513.110
28 1.3213 1.7410 2.2879 2.9987 3.9201 5.1117 6.64888.627111.16714.421
29 1.3345 1.7758 2.3566 3.1187 4.1161 5.41847.11439.317312.17215.863
30 1.3478 1.8114 2.4273 3.2434 4.3219 5.74357.612310.06313.26817.449
40 1.4889 2.2080 3.2620 4.80107.040010.28614.97521.72531.40945.259
50 1.6446 2.6916 4.38397.106711.46718.42029.45746.90274.358117.39
60 1.8167 3.2810 5.891610.52018.67932.98857.946101.26176.03304.48计算公式：复利终值系数=()n i
1+，S=P()n i
1+
P—现值或初始值；i—报酬率或利率；n—计息期数；S—终值或本利和
附表一复利终值系数表续表
1 1.1200 1.1400 1.1500 1.1600 1.1800 1.2000 1.2400 1.2800 1.3200 1.3600
2 1.2544 1.2996 1.3225 1.3456 1.3924 1.4400 1.5376 1.6384 1.7424 1.8496
3 1.4049 1.4815 1.5209 1.5609 1.6430 1.7280 1.9066 2.0972 2.3000 2.5155
4 1.573
5 1.6890 1.7490 1.810
6 1.9388 2.0736 2.3642 2.6844 3.0360 3.4210
5 1.7623 1.9254 2.0114 2.1003 2.2878 2.4883 2.931
6 3.4360 4.0075 4.6526
6 1.9738 2.1950 2.3131 2.4364 2.6996 2.9860 3.6352 4.3980 5.2899 6.3275
7 2.2107 2.5023 2.6600 2.8262 3.1855 3.5832 4.5077 5.6295 6.98268.6054
8 2.4760 2.8526 3.0590 3.2784 3.7589 4.2998 5.58957.20589.217011.703
9 2.7731 3.2519 3.5179 3.8030 4.4355 5.1598 6.93109.223412.16715.917
10 3.1058 3.7072 4.0456 4.4114 5.2338 6.19178.594411.80616.06021.647
11 3.4785 4.2262 4.6524 5.1173 6.17597.430110.65715.11221.19929.439
12 3.8960 4.8179 5.3503 5.93607.28768.916113.21519.34327.98340.038
13 4.3635 5.4924 6.1528 6.88588.599410.69916.38624.75936.93754.451
14 4.8871 6.26137.07577.987510.14712.83920.31931.69148.75774.053
15 5.47367.13798.13719.265511.97415.40725.19640.56564.359100.71
16 6.13048.13729.357610.74814.12918.48831.24351.92384.954136.97
17 6.86609.276510.76112.46816.67222.18638.74166.461112.14186.28
187.690010.57512.37614.46319.67326.62348.03985.071148.02253.34 198.612812.05614.23216.77723.21431.94859.568108.89195.39344.54 209.646313.74416.36719.46127.39338.33873.864139.38257.92468.57 2110.80415.66818.82222.57532.32446.00591.592178.41340.45637.26 2212.10017.86121.64526.18638.14255.206113.57228.36449.39866.67 2313.55220.36224.89230.37645.00866.247140.83292.30593.201178.7 2415.17923.21228.62535.23653.10979.497174.63374.14783.021603.0 2517.00026.46232.91940.87462.66995.396216.54478.901033.62180.1 2619.04030.16737.85747.41473.949114.48268.51613.001364.32964.9 2721.32534.39043.53555.00087.260137.37332.96784.641800.94032.3 2823.88439.20550.06663.800102.97164.84412.861004.32377.25483.9 2926.75044.69357.57674.009121.50197.81511.951285.63137.97458.1 3029.96050.95066.21285.850143.37237.38634.821645.54142.110143 4093.051188.88267.86378.72750.381469.85455.91942766521* 50289.00700.231083.71670.73927.49100.446890*** 60897.602595.94384.07370.22055556348****注：*〉99 999
计算公式：复利终值系数=()n i
1+
1+，S=P()n i
P—现值或初始值
i—报酬率或利率
n—计息期数
S—终值或本利和
附表二复利现值系数表
10.99010.98040.97090.96150.95240.94340.93460.92590.91740.909120.98030.96120.94260.92460.90700.89000.87340.85730.84170.826430.97060.94230.91510.88900.86380.83960.81630.79380.77220.751340.96100.92380.88850.85480.82270.79210.76290.73500.70840.683050.95150.90570.86260.82190.78350.74730.71300.68060.64990.620960.94200.88800.83750.79030.74620.70500.66630.63020.59630.564570.93270.87060.81310.75990.71070.66510.62270.58350.54700.513280.92350.85350.78940.73070.67680.62740.58200.54030.50190.466590.91430.83680.76640.70260.64460.59190.54390.50020.46040.4241100.90530.82030.74410.67560.61390.55840.50830.46320.42240.3855110.89630.80430.72240.64960.58470.52680.47510.42890.38750.3505120.88740.78850.70140.62460.55680.49700.44400.39710.35550.3186130.87870.77300.68100.60060.53030.46880.41500.36770.32620.2897140.87000.75790.66110.57750.50510.44230.38780.34050.29920.2633150.86130.74300.64190.55530.48100.41730.36240.31520.27450.2394160.85280.72840.62320.53390.45810.39360.33870.29190.25190.2176170.84440.71420.60500.51340.43630.37140.31660.27030.23110.1978180.83600.70020.58740.49360.41550.35030.29590.25020.21200.1799190.82770.68640.57030.47460.39570.33050.27650.23170.19450.1635200.81950.67300.55370.45640.37690.31180.25840.21450.17840.1486210.81140.65980.53750.43880.35890.29420.24150.19870.16370.1351220.80340.64680.52190.42200.34180.27750.22570.18390.15020.1228230.79540.63420.50670.40570.32560.26180.21090.17030.13780.1117240.78760.62170.49190.39010.31010.24700.19710.15770.12640.1015250.77980.60950.47760.37510.29530.23300.18420.14600.11600.0923260.77200.59760.46370.36070.28120.21980.17220.13520.10640.0839270.76440.58590.45020.34680.26780.20740.16090.12520.09760.0763280.75680.57440.43710.33350.25510.19560.15040.11590.08950.0693290.74930.56310.42430.32070.24290.18460.14060.10730.08220.0630300.74190.55210.41200.30830.23140.17410.13140.09940.07540.0573350.70590.50000.35540.25340.18130.13010.09370.06760.04900.0356400.67170.45290.30660.20830.14200.09720.06680.04600.03180.0221450.63910.41020.26440.17120.11130.07270.04760.03130.02070.0137500.60800.37150.22810.14070.08720.05430.03390.02130.01340.008555
0.5785
0.3365
0.1968
0.1157
0.0683
0.0406
0.0242
0.0145
0.0087
0.0053
注：
计算公式：复利现值系数=()-n
i 1+，P=
()n
i 1S
+=S ()-n
i 1+
P —现值或初始值；i —报酬率或利率；n —计息期数；S —终值或本利和
附表二 复利现值系数表 续表
10.89290.87720.86960.86210.84750.83330.80650.78130.75760.735320.79720.76950.75610.74320.71820.69440.65040.61040.57390.540730.71180.67500.65750.64070.60860.57870.52450.47680.43480.397540.63550.59210.57180.55230.51580.48230.42300.37250.32940.292350.56740.51940.49720.47610.43710.40190.34110.29100.24950.214960.50660.45560.43230.41040.37040.33490.27510.22740.18900.158070.45230.39960.37590.35380.31390.27910.22180.17760.14320.116280.40390.35060.32690.30500.26600.23260.17890.13880.10850.085490.36060.30750.28430.26300.22550.19380.14430.10840.08220.0628100.32200.26970.24720.22670.19110.16150.11640.08470.06230.0462110.28750.23660.21490.19540.16190.13460.09380.06620.04720.0340120.25670.20760.18690.16850.13720.11220.07570.05170.03570.0250130.22920.18210.16250.14520.11630.09350.06100.04040.02710.0184140.20460.15970.14130.12520.09850.07790.04920.03160.02050.0135150.18270.14010.12290.10790.08350.06490.03970.02470.01550.0099160.16310.12290.10690.09300.07080.05410.03200.01930.01180.0073170.14560.10780.09290.08020.06000.04510.02580.01500.00890.0054180.13000.09460.08080.06910.05080.03760.02080.01180.00680.0039190.11610.08290.07030.05960.04310.03130.01680.00920.00510.0029200.10370.07280.06110.05140.03650.02610.01350.00720.00390.0021210.09260.06380.05310.04430.03090.02170.01090.00560.00290.0016220.08260.05600.04620.03820.02620.01810.00880.00440.00220.0012230.07380.04910.04020.03290.02220.01510.00710.00340.00170.0008240.06590.04310.03490.02840.01880.01260.00570.00270.00130.0006250.05880.03780.03040.02450.01600.01050.00460.00210.00100.0005260.05250.03310.02640.02110.01350.00870.00370.00160.00070.0003270.04690.02910.02300.01820.01150.00730.00300.00130.00060.0002280.04190.02550.02000.01570.00970.00610.00240.00100.00040.0002290.03740.02240.01740.01350.00820.00510.00200.00080.00030.0001300.03340.01960.01510.01160.00700.00420.00160.00060.00020.0001350.01890.01020.00750.00550.00300.00170.00050.00020.0001*400.01070.00530.00370.00260.00130.00070.00020.0001**450.00610.00270.00190.00130.00060.00030.0001***500.00350.00140.00090.00060.00030.0001****55
0.0020
0.0007
0.0005
0.0003
0.0001
*
*
*
*
*
注：*<0.0001
计算公式：复利现值系数=()-n
i 1+，P=
()n
i 1S
+=S ()-n
i 1+
P —现值或初始值；i —报酬率或利率；n —计息期数；S —终值或本利和
附表三 年金终值系数表
1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2 2.0100 2.0200 2.0300 2.0400 2.0500 2.0600 2.0700 2.0800 2.0900 2.1000
3 3.0301 3.060
4 3.0909 3.1216 3.152
5 3.183
6 3.2149 3.2464 3.2781 3.3100
4 4.0604 4.1216 4.1836 4.246
5 4.3101 4.374
6 4.4399 4.5061 4.5731 4.6410
5 5.1010 5.2040 5.3091 5.4163 5.525
6 5.6371 5.750
7 5.8666 5.9847 6.1051
6 6.1520 6.3081 6.4684 6.6330 6.8019 6.97537.15337.33597.52337.7156
77.21357.43437.66257.89838.14208.39388.65408.92289.20049.4872
88.28578.58308.89239.21429.54919.897510.26010.63711.02911.436
99.36859.754610.15910.58311.02711.49111.97812.48813.02113.580
1010.46210.95011.46412.00612.57813.18113.81614.48715.19315.937 1111.56712.16912.80813.48614.20714.97215.78416.64617.56018.531 1212.68313.41214.19215.02615.91716.87017.88918.97720.14121.384 1313.80914.68015.61816.62717.71318.88220.14121.49522.95324.523 1414.94715.97417.08618.29219.59921.01522.55124.21526.01927.975 1516.09717.29318.59920.02421.57923.27625.12927.15229.36131.773 1617.25818.63920.15721.82523.65825.67327.88830.32433.00335.950 1718.43020.01221.76223.69825.84028.21330.84033.75036.97440.545 1819.61521.41223.41425.64528.13230.90633.99937.45041.30145.599 1920.81122.84125.11727.67130.53933.76037.37941.44646.01951.159 2022.01924.29726.87029.77833.06636.78640.99645.76251.16057.275 2123.23925.78328.67731.96935.71939.99344.86550.42356.76564.003 2224.47227.29930.53734.24838.50543.39249.00655.45762.87371.403 2325.71628.84532.45336.61841.43146.99653.43660.89369.53279.543 2426.97430.42234.42739.08344.50250.81658.17766.76576.79088.497 2528.24332.03036.45941.64647.72754.86563.24973.10684.70198.347 2629.52633.67138.55344.31251.11459.15668.67779.95493.324109.18 2730.82135.34440.71047.08454.66963.70674.48487.351102.72121.10 2832.12937.05142.93149.96858.40368.52880.69895.339112.97134.21 2933.45038.79245.21952.96662.32373.64087.347103.97124.14148.63 3034.78540.56847.57556.08566.43979.05894.461113.28136.31164.49 4048.88660.40275.40195.026120.80154.76199.64259.06337.88442.59 5064.46384.579112.80152.67209.35290.34406.53573.77815.081163.9 6081.670114.05163.05237.99353.58533.13813.521253.21944.83034.8注：
计算公式：年金终值系数=()
i
1
i
1n-
+
，S=A
()
i
1
i
1n-
+
A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；S—年金终值或本利和
附表三年金终值系数表续表期数12%14%15%16%18%20%24%28%32%36%
1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2 2.1200 2.1400 2.1500 2.1600 2.1800 2.2000 2.2400 2.2800 2.3200 2.3600
3 3.374
4 3.4396 3.472
5 3.505
6 3.5724 3.6400 3.7776 3.9184 4.0624 4.2096
4 4.7793 4.9211 4.9934 5.066
5 5.2154 5.3680 5.6842 6.015
6 6.3624 6.7251
5 6.3528 6.6101 6.7424 6.87717.15427.44168.04848.69999.398310.146
68.11528.53558.75378.97759.44209.929910.98012.13613.40614.799
710.08910.73111.06711.41412.14212.91614.61516.53418.69621.126 812.30013.23313.72714.24015.32716.49919.12322.16325.67829.732 914.77616.08516.78617.51919.08620.79924.71329.36934.89541.435 1017.54919.33720.30421.32223.52125.95931.64338.59347.06257.352 1120.65523.04524.34925.73328.75532.15040.23850.39963.12278.998 1224.13327.27129.00230.85034.93139.58150.89565.51084.320108.44 1328.02932.08934.35236.78642.21948.49764.11084.853112.30148.48 1432.39337.58140.50543.67250.81859.19680.496109.61149.24202.93 1537.28043.84247.58051.66060.96572.035100.82141.30198.00276.98 1642.75350.98055.71860.92572.93987.442126.01181.87262.36377.69 1748.88459.11865.07571.67387.068105.93157.25233.79347.31514.66 1855.75068.39475.83684.141103.74128.12195.99300.25459.45700.94 1963.44078.96988.21298.603123.41154.74244.03385.32607.47954.28 2072.05291.025102.44115.38146.63186.69303.60494.21802.861298.8 2181.699104.77118.81134.84174.02225.03377.46633.591060.81767.4 2292.503120.44137.63157.42206.34271.03469.06812.001401.22404.7 23104.60138.30159.28183.60244.49326.24582.631040.41850.63271.3 24118.16158.66184.17213.98289.49392.48723.461332.72443.84450.0 25133.33181.87212.79249.21342.60471.98898.091706.83226.86053.0 26150.33208.33245.71290.09405.27567.381114.62185.74260.48233.1 27169.37238.50283.57337.50479.22681.851383.12798.75624.811198 28190.70272.89327.10392.50566.48819.221716.13583.37425.715230 29214.58312.09377.17456.30669.45984.072129.04587.79802.920714 30241.33356.79434.75530.31790.951181.92640.95873.21294128172 40767.091342.01779.12360.84163.27343.92272969377207874609890 502400.04994.57217.7104362181345497195373819103** 607471.6185352922046058114190281733****注：*>999 999.99
计算公式：年金终值系数=()
i
1
i
1n-
+
，S=A
()
i
1
i
1n-
+
A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；S—年金终值或本利和
附表四年金现值系数表
期数1%2%3%4%5%6%7%8%9%10%
10.99010.98040.97090.96150.95240.94340.93460.92590.91740.9091
2 1.9704 1.9416 1.9135 1.8861 1.8594 1.8334 1.8080 1.783
3 1.7591 1.7355
3 2.9410 2.8839 2.8286 2.7751 2.7232 2.6730 2.6243 2.5771 2.5313 2.4869
4 3.9020 3.8077 3.7171 3.6299 3.5460 3.4651 3.3872 3.3121 3.2397 3.1699
5 4.8534 4.7135 4.5797 4.4518 4.3295 4.2124 4.1002 3.9927 3.8897 3.7908
6 5.7955 5.6014 5.4172 5.2421 5.075
7 4.9173 4.7665 4.6229 4.4859 4.3553
7 6.7282 6.4720 6.2303 6.0021 5.7864 5.5824 5.3893 5.2064 5.0330 4.8684
87.65177.32557.0197 6.7327 6.4632 6.2098 5.9713 5.7466 5.5348 5.3349
98.56608.16227.78617.43537.1078 6.8017 6.5152 6.2469 5.9952 5.7590
109.47138.98268.53028.11097.72177.36017.0236 6.7101 6.4177 6.1446 1110.36769.78689.25268.76058.30647.88697.49877.1390 6.8052 6.4951 1211.255110.57539.95409.38518.86338.38387.94277.53617.1607 6.8137 1312.133711.348410.63509.98569.39368.85278.35777.90387.48697.1034 1413.003712.106211.296110.56319.89869.29508.74558.24427.78627.3667 1513.865112.849311.937911.118410.37979.71229.10798.55958.06077.6061 1614.717913.577712.561111.652310.837810.10599.44668.85148.31267.8237 1715.562314.291913.166112.165711.274110.47739.76329.12168.54368.0216 1816.398314.992013.753512.659311.689610.827610.05919.37198.75568.2014 1917.226015.678514.323813.133912.085311.158110.33569.60368.95018.3649 2018.045616.351414.877513.590312.462211.469910.59409.81819.12858.5136 2118.857017.011215.415014.029212.821211.764110.835510.01689.29228.6487 2219.660417.658015.936914.451113.163012.041611.061210.20079.44248.7715 2320.455818.292216.443614.856813.488612.303411.272210.37119.58028.8832 2421.243418.913916.935515.247013.798612.550411.469310.52889.70668.9847 2522.023219.523517.413115.622114.093912.783411.653610.67489.82269.0770 2622.795220.121017.876815.982814.375213.003211.825810.81009.92909.1609 2723.559620.706918.327016.329614.643013.210511.986710.935210.02669.2372 2824.316421.281318.764116.663114.898113.406212.137111.051110.11619.3066 2925.065821.844419.188516.983715.141113.590712.277711.158410.19839.3696 3025.807722.396519.600417.292015.372513.764812.409011.257810.27379.4269 3529.408624.998621.487218.664616.374214.498212.947711.654610.56689.6442 4032.834727.355523.114819.792817.159115.046313.331711.924610.75749.7791 4536.094529.490224.518720.720017.774115.455813.605512.108410.88129.8628 5039.196131.423625.729821.482218.255915.761913.800712.233510.96179.9148 5542.147233.174826.774422.108618.633515.990513.939912.318611.01409.9471注：
计算公式：年金现值系数=
()
i
i
1
1n-
+
-
，P=A
()
i
i
1
1n-
+
-
A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；P—年金现值或本利和
附表四年金现值系数表续表期数12%14%15%16%18%20%24%28%32%36%
10.89290.87720.86960.86210.84750.83330.80650.78130.75760.7353
2 1.6901 1.6467 1.6257 1.6052 1.5656 1.5278 1.4568 1.3916 1.3315 1.2760
3 2.4018 2.3216 2.2832 2.2459 2.1743 2.1065 1.9813 1.868
4 1.7663 1.6735
4 3.0373 2.9137 2.8550 2.7982 2.6901 2.5887 2.4043 2.2410 2.0957 1.9658
5 3.6048 3.4331 3.3522 3.2743 3.1272 2.990
6 2.7454 2.5320 2.3452 2.1807
6 4.1114 3.888
7 3.7845 3.6847 3.4976 3.3255 3.0205 2.7594 2.5342 2.3388
7 4.5638 4.2883 4.1604 4.0386 3.8115 3.6046 3.2423 2.9370 2.6775 2.4550
8 4.9676 4.6389 4.4873 4.3436 4.0776 3.8372 3.4212 3.0758 2.7860 2.5404
9 5.3282 4.9464 4.7716 4.6065 4.3030 4.0310 3.5655 3.1842 2.8681 2.6033
10 5.6502 5.2161 5.0188 4.8332 4.4941 4.1925 3.6819 3.2689 2.9304 2.6495
11 5.9377 5.4527 5.2337 5.0286 4.6560 4.3271 3.7757 3.3351 2.9776 2.6834
12 6.1944 5.6603 5.4206 5.1971 4.7932 4.4392 3.8514 3.3868 3.0133 2.7084
13 6.4235 5.8424 5.5831 5.3423 4.9095 4.5327 3.9124 3.4272 3.0404 2.7268
14 6.6282 6.0021 5.7245 5.4675 5.0081 4.6106 3.9616 3.4587 3.0609 2.7403
15 6.8109 6.1422 5.8474 5.5755 5.0916 4.6755 4.0013 3.4834 3.0764 2.7502
16 6.9740 6.2651 5.9542 5.6685 5.1624 4.7296 4.0333 3.5026 3.0882 2.7575
177.1196 6.3729 6.0472 5.7487 5.2223 4.7746 4.0591 3.5177 3.0971 2.7629 187.2497 6.4674 6.1280 5.8178 5.2732 4.8122 4.0799 3.5294 3.1039 2.7668 197.3658 6.5504 6.1982 5.8775 5.3162 4.8435 4.0967 3.5386 3.1090 2.7697 207.4694 6.6231 6.2593 5.9288 5.3527 4.8696 4.1103 3.5458 3.1129 2.7718 217.5620 6.6870 6.3125 5.9731 5.3837 4.8913 4.1212 3.5514 3.1158 2.7734 227.6446 6.7429 6.3587 6.0113 5.4099 4.9094 4.1300 3.5558 3.1180 2.7746 237.7184 6.7921 6.3988 6.0442 5.4321 4.9245 4.1371 3.5592 3.1197 2.7754 247.7843 6.8351 6.4338 6.0726 5.4509 4.9371 4.1428 3.5619 3.1210 2.7760 257.8431 6.8729 6.4641 6.0971 5.4669 4.9476 4.1474 3.5640 3.1220 2.7765 267.8957 6.9061 6.4906 6.1182 5.4804 4.9563 4.1511 3.5656 3.1227 2.7768 277.9426 6.9352 6.5135 6.1364 5.4919 4.9636 4.1542 3.5669 3.1233 2.7771 287.9844 6.9607 6.5335 6.1520 5.5016 4.9697 4.1566 3.5679 3.1237 2.7773 298.0218 6.9830 6.5509 6.1656 5.5098 4.9747 4.1585 3.5687 3.1240 2.7774 308.05527.0027 6.5660 6.1772 5.5168 4.9789 4.1601 3.5693 3.1242 2.7775 358.17557.0700 6.6166 6.2153 5.5386 4.9915 4.1644 3.5708 3.1248 2.7777 408.24387.1050 6.6418 6.2335 5.5482 4.9966 4.1659 3.5712 3.1250 2.7778 458.28257.1232 6.6543 6.2421 5.5523 4.9986 4.1664 3.5714 3.1250 2.7778 508.30457.1327 6.6605 6.2463 5.5541 4.9995 4.1666 3.5714 3.1250 2.7778 558.31707.1376 6.6636 6.2482 5.5549 4.9998 4.1666 3.5714 3.1250 2.7778注：
计算公式：年金现值系数=
()
i
i
1
1n-
+
-
，P=A
()
i
i
1
1n-
+
-
A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；P—年金现值或本利和