银行职业考试知识点《个人理财》复利与年金系数表

附表一 复利终值系数表计算公式：复利终值系数=()n i 1+，S=P ()ni 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 续表注：*〉99 999计算公式：复利终值系数=()n i 1+，S=P ()ni 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 复利现值系数表注：计算公式：复利现值系数=()-ni 1+，P=()ni 1S+=S ()-ni 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 续表注：*<0.0001计算公式：复利现值系数=()-ni 1+，P=()ni 1S+=S ()-ni 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注：计算公式：年金终值系数=()i1i1n-+，S=A()i1i1n-+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注：*>999 999.99计算公式：年金终值系数=()i1i1n-+，S=A()i1i1n-+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计算公式：年金现值系数=()ii11n-+-，P=A()ii11n-+-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注：计算公式：年金现值系数=()ii11n-+-，P=A()ii11n-+-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。

表格（一）名称： 复利现值系数表期1% 2% 3% 4% 5% 6% 7% 8% 9% 10%11%12% 13% 14%15%数1 0.9901 0.9804 0.9709 0.9615 0.9524 0.94340.93460.92590.91740.90910.90090.8929 0.8850 0.87720.86962 0.9803 0.9612 0.9426 0.9246 0.9070 0.89000.87340.85730.84170.82640.81160.7972 0.7831 0.76950.75613 0.9706 0.9423 0.9151 0.8890 0.8638 0.83960.81630.79380.77220.75130.73120.7118 0.6931 0.67500.65754 0.9610 0.9238 0.8885 0.8548 0.8227 0.79210.76290.73500.70840.68300.65870.6355 0.6133 0.59210.57185 0.9515 0.9057 0.8626 0.8219 0.7835 0.74730.71300.68060.64990.62090.59350.5674 0.5428 0.51940.49726 0.9420 0.8880 0.8375 0.7903 0.7462 0.70500.66630.63020.59630.56450.53460.5066 0.4803 0.45560.43237 0.9327 0.8706 0.8131 0.7599 0.7107 0.66510.62270.58350.54700.51320.48170.4523 0.4251 0.39960.37598 0.9235 0.8535 0.7894 0.7307 0.6768 0.62740.58200.54030.50190.46650.43390.4039 0.3762 0.35060.32699 0.9143 0.8368 0.7664 0.7026 0.6446 0.59190.54390.50020.46040.42410.39090.3606 0.3329 0.30750.284310 0.9053 0.8203 0.7441 0.6756 0.6139 0.55840.50830.46320.42240.38550.35220.3220 0.2946 0.26970.247211 0.8963 0.8043 0.7224 0.6496 0.5847 0.52680.47510.42890.38750.35050.31730.2875 0.2607 0.23660.214912 0.8874 0.7885 0.7014 0.6246 0.5568 0.49700.44400.39710.35550.31860.28580.2567 0.2307 0.20760.186913 0.8787 0.7730 0.6810 0.6006 0.5303 0.46880.41500.36770.32620.28970.25750.2292 0.2042 0.18210.162514 0.8700 0.7579 0.6611 0.5775 0.5051 0.44230.38780.34050.29920.26330.23200.2046 0.1807 0.15970.141315 0.8613 0.7430 0.6419 0.5553 0.4810 0.41730.36240.31520.27450.23940.20900.1827 0.1599 0.14010.122916 0.8528 0.7284 0.6232 0.5339 0.4581 0.39360.33870.29190.25190.21760.18830.1631 0.1415 0.12290.106917 0.8444 0.7142 0.6050 0.5134 0.4363 0.37140.31660.27030.23110.19780.16960.1456 0.1252 0.10780.092918 0.8360 0.7002 0.5874 0.4936 0.4155 0.35030.29590.25020.21200.17990.15280.1300 0.1108 0.09460.080819 0.8277 0.6864 0.5703 0.4746 0.3957 0.33050.27650.23170.19450.16350.13770.1161 0.0981 0.08290.070320 0.8195 0.6730 0.5537 0.4564 0.3769 0.31180.25840.21450.17840.14860.12400.1037 0.0868 0.07280.061121 0.8114 0.6598 0.5375 0.4388 0.3589 0.29420.24150.19870.16370.13510.11170.0926 0.0768 0.06380.053122 0.8034 0.6468 0.5219 0.4220 0.3418 0.27750.22570.18390.15020.12280.10070.0826 0.0680 0.05600.046223 0.7954 0.6342 0.5067 0.4057 0.3256 0.26180.21090.17030.13780.11170.09070.0738 0.0601 0.04910.040224 0.7876 0.6217 0.4919 0.3901 0.3101 0.24700.19710.15770.12640.10150.08170.0659 0.0532 0.04310.034925 0.7798 0.6095 0.4776 0.3751 0.2953 0.23300.18420.14600.11600.09230.07360.0588 0.0471 0.03780.030426 0.7720 0.5976 0.4637 0.3607 0.2812 0.21980.17220.13520.10640.08390.06630.0525 0.0417 0.03310.026427 0.7644 0.5859 0.4502 0.3468 0.2678 0.20740.16090.12520.09760.07630.05970.0469 0.0369 0.02910.023028 0.7568 0.5744 0.4371 0.3335 0.2551 0.19560.15040.11590.08950.06930.05380.0419 0.0326 0.02550.020029 0.7493 0.5631 0.4243 0.3207 0.2429 0.18460.14060.10730.08220.06300.04850.0374 0.0289 0.02240.017430 0.7419 0.5521 0.4120 0.3083 0.2314 0.17410.13140.09940.07540.05730.04370.0334 0.0256 0.01960.0151表格（二）名称： 复利终值系数表期1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% 数1 1.0100 1.0200 1.0300 1.0400 1.0500 1.0600 1.0700 1.0800 1.0900 1.1000 1.1100 1.1200 1.1300 1.1400 1.15002 1.0201 1.0404 1.0609 1.0816 1.1025 1.1236 1.1449 1.1664 1.1881 1.2100 1.2321 1.2544 1.2769 1.2996 1.32253 1.0303 1.0612 1.0927 1.1249 1.1576 1.1910 1.2250 1.2597 1.2950 1.3310 1.3676 1.4049 1.4429 1.4815 1.52094 1.0406 1.0824 1.1255 1.1699 1.2155 1.2625 1.3108 1.3605 1.4116 1.4641 1.5181 1.5735 1.6305 1.6890 1.74905 1.0510 1.1041 1.1593 1.2167 1.2763 1.3382 1.4026 1.4693 1.5386 1.6105 1.6851 1.7623 1.8424 1.9254 2.01146 1.0615 1.1262 1.1941 1.2653 1.3401 1.4185 1.5007 1.5869 1.6771 1.7716 1.8704 1.9738 2.0820 2.1950 2.31317 1.0721 1.1487 1.2299 1.3159 1.4071 1.5036 1.6058 1.7138 1.8280 1.9487 2.0762 2.2107 2.3526 2.5023 2.66008 1.0829 1.1717 1.2668 1.3686 1.4775 1.5938 1.7182 1.8509 1.9926 2.1436 2.3045 2.4760 2.6584 2.8526 3.05909 1.0937 1.1951 1.3048 1.4233 1.5513 1.6895 1.8385 1.9990 2.1719 2.3579 2.5580 2.7731 3.0040 3.2519 3.517910 1.1046 1.2190 1.3439 1.4802 1.6289 1.7908 1.9672 2.1589 2.3674 2.5937 2.8394 3.1058 3.3946 3.7072 4.045611 1.1157 1.2434 1.3842 1.5395 1.7103 1.8983 2.1049 2.3316 2.5804 2.8531 3.1518 3.4786 3.8359 4.2262 4.652412 1.1268 1.2682 1.4258 1.6010 1.7959 2.0122 2.2522 2.5182 2.8127 3.1384 3.4985 3.8960 4.3345 4.8179 5.350313 1.1381 1.2936 1.4685 1.6651 1.8856 2.1329 2.4098 2.7196 3.0658 3.4523 3.8833 4.3635 4.8980 5.4924 6.152814 1.1495 1.3195 1.5126 1.7317 1.9799 2.2609 2.5785 2.9372 3.3417 3.7975 4.3104 4.8871 5.5348 6.26137.075715 1.1610 1.3459 1.5580 1.8009 2.0789 2.3966 2.7590 3.1722 3.6425 4.1772 4.7846 5.4736 6.2543 7.13798.137116 1.1726 1.3728 1.6047 1.8730 2.1829 2.5404 2.9522 3.4259 3.9703 4.5950 5.3109 6.1304 7.0673 8.13729.357617 1.1843 1.4002 1.6528 1.9479 2.2920 2.6928 3.1588 3.7000 4.3276 5.0545 5.8951 6.8660 7.9861 9.276510.761318 1.1961 1.4282 1.7024 2.0258 2.4066 2.8543 3.3799 3.9960 4.7171 5.5599 6.54367.6900 9.0243 10.575212.375519 1.2081 1.4568 1.7535 2.1068 2.5270 3.0256 3.6165 4.3157 5.1417 6.11597.26338.6128 10.1974 12.055714.231820 1.2202 1.4859 1.8061 2.1911 2.6533 3.2071 3.8697 4.6610 5.6044 6.72758.06239.6463 11.5231 13.743516.366521 1.2324 1.5157 1.8603 2.2788 2.7860 3.3996 4.1406 5.0338 6.10887.40028.949210.8038 13.0211 15.667618.821522 1.2447 1.5460 1.9161 2.3699 2.9253 3.6035 4.4304 5.4365 6.65868.14039.933612.1003 14.7138 17.861021.644723 1.2572 1.5769 1.9736 2.4647 3.0715 3.8197 4.7405 5.87157.25798.954311.026313.5523 16.6266 20.361624.891524 1.2697 1.6084 2.0328 2.5633 3.2251 4.0489 5.0724 6.34127.91119.849712.239215.1786 18.7881 23.212228.625225 1.2824 1.6406 2.0938 2.6658 3.3864 4.2919 5.4274 6.84858.623110.834713.585517.0001 21.2305 26.461932.919026 1.2953 1.6734 2.1566 2.7725 3.5557 4.5494 5.80747.39649.399211.918215.079919.0401 23.9905 30.166637.856827 1.3082 1.7069 2.2213 2.8834 3.7335 4.8223 6.21397.988110.245113.110016.738721.3249 27.1093 34.389943.535328 1.3213 1.7410 2.2879 2.9987 3.9201 5.1117 6.64888.627111.167114.421018.579923.8839 30.6335 39.204550.065629 1.3345 1.7758 2.3566 3.1187 4.1161 5.4184 7.11439.317312.172215.863120.623726.7499 34.6158 44.693157.575530 1.3478 1.8114 2.4273 3.2434 4.3219 5.7435 7.612310.062713.267717.449422.892329.9599 39.1159 50.950266.2118表格（三）名称： 年金现值系数表期1% 2% 3% 4% 5% 6% 7% 8% 9% 10%11% 12% 13%14%15%数1 0.9901 0.9804 0.9709 0.9615 0.9524 0.94340.93460.92590.91740.90910.9009 0.8929 0.88500.87720.86962 1.9704 1.9416 1.9135 1.8861 1.8594 1.8334 1.8080 1.7833 1.7591 1.73551.7125 1.6901 1.66811.64671.62573 2.9410 2.8839 2.8286 2.7751 2.7232 2.6730 2.6243 2.5771 2.5313 2.48692.4437 2.4018 2.36122.32162.28324 3.9020 3.8077 3.7171 3.6299 3.5460 3.4651 3.3872 3.3121 3.2397 3.16993.1024 3.0373 2.97452.91372.85505 4.8534 4.7135 4.5797 4.4518 4.3295 4.2124 4.1002 3.9927 3.8897 3.79083.6959 3.6048 3.51723.43313.35226 5.7955 5.6014 5.4172 5.2421 5.0757 4.9173 4.7665 4.6229 4.4859 4.35534.2305 4.1114 3.99753.88873.78457 6.7282 6.4720 6.2303 6.0021 5.7864 5.5824 5.3893 5.2064 5.0330 4.86844.7122 4.5638 4.42264.28834.16048 7.6517 7.3255 7.0197 6.7327 6.4632 6.2098 5.9713 5.7466 5.5348 5.33495.1461 4.9676 4.79884.63894.48739 8.5660 8.1622 7.7861 7.4353 7.1078 6.8017 6.5152 6.2469 5.9952 5.75905.5370 5.3282 5.13174.94644.771610 9.4713 8.9826 8.5302 8.1109 7.7217 7.36017.0236 6.7101 6.4177 6.14465.8892 5.6502 5.42625.21615.018811 10.3676 9.7868 9.2526 8.7605 8.3064 7.88697.49877.1390 6.8052 6.49516.2065 5.9377 5.68695.45275.233712 11.2551 10.5753 9.9540 9.3851 8.8633 8.38387.94277.53617.1607 6.81376.4924 6.1944 5.91765.66035.420613 12.1337 11.3484 10.6350 9.9856 9.3936 8.85278.35777.90387.48697.10346.7499 6.4235 6.12185.84245.583114 13.0037 12.1062 11.2961 10.5631 9.8986 9.29508.74558.24427.78627.36676.9819 6.6282 6.30256.00215.724515 13.8651 12.8493 11.9379 11.1184 10.3797 9.71229.10798.55958.06077.60617.1909 6.8109 6.46246.14225.847416 14.7179 13.5777 12.5611 11.6523 10.8378 10.10599.44668.85148.31267.82377.3792 6.9740 6.60396.26515.954217 15.5623 14.2919 13.1661 12.1657 11.2741 10.47739.76329.12168.54368.02167.5488 7.1196 6.72916.37296.047218 16.3983 14.9920 13.7535 12.6593 11.6896 10.827610.05919.37198.75568.20147.7016 7.2497 6.83996.46746.128019 17.2260 15.6785 14.3238 13.1339 12.0853 11.158110.33569.60368.95018.36497.8393 7.3658 6.93806.55046.198220 18.0456 16.3514 14.8775 13.5903 12.4622 11.469910.59409.81819.12858.51367.9633 7.4694 7.02486.62316.259321 18.8570 17.0112 15.4150 14.0292 12.8212 11.764110.835510.01689.29228.64878.0751 7.5620 7.10166.68706.312522 19.6604 17.6580 15.9369 14.4511 13.1630 12.041611.061210.20079.44248.77158.1757 7.6446 7.16956.74296.358723 20.4558 18.2922 16.4436 14.8568 13.4886 12.303411.272210.37119.58028.88328.2664 7.7184 7.22976.79216.398824 21.2434 18.9139 16.9355 15.2470 13.7986 12.550411.469310.52889.70668.98478.3481 7.7843 7.28296.83516.433825 22.0232 19.5235 17.4131 15.6221 14.0939 12.783411.653610.67489.82269.07708.4217 7.8431 7.33006.87296.464126 22.7952 20.1210 17.8768 15.9828 14.3752 13.003211.825810.81009.92909.16098.4881 7.8957 7.37176.90616.490627 23.5596 20.7069 18.3270 16.3296 14.6430 13.210511.986710.935210.02669.23728.5478 7.9426 7.40866.93526.513528 24.3164 21.2813 18.7641 16.6631 14.8981 13.406212.137111.051110.11619.30668.6016 7.9844 7.44126.96076.533529 25.0658 21.8444 19.1885 16.9837 15.1411 13.590712.277711.158410.19839.36968.6501 8.0218 7.47016.98306.550930 25.8077 22.3965 19.6004 17.2920 15.3725 13.764812.409011.257810.27379.42698.6938 8.0552 7.49577.00276.5660表格（四）名称：年金终值系数表期1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% 数1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002 2.0100 2.0200 2.0300 2.0400 2.0500 2.0600 2.0700 2.0800 2.0900 2.1000 2.1100 2.1200 2.1300 2.1400 2.15003 3.0301 3.0604 3.0909 3.1216 3.1525 3.1836 3.2149 3.2464 3.2781 3.3100 3.3421 3.3744 3.4069 3.4396 3.47254 4.0604 4.1216 4.1836 4.2465 4.3101 4.3746 4.4399 4.5061 4.5731 4.6410 4.7097 4.7793 4.8498 4.9211 4.99345 5.1010 5.2040 5.3091 5.4163 5.5256 5.6371 5.7507 5.8666 5.9847 6.1051 6.2278 6.3528 6.4803 6.6101 6.74246 6.1520 6.3081 6.4684 6.6330 6.8019 6.9753 7.15337.33597.52337.71567.91298.11528.3227 8.5355 8.75377 7.2135 7.4343 7.6625 7.8983 8.1420 8.3938 8.65408.92289.20049.48729.783310.089010.4047 10.7305 11.06688 8.2857 8.5830 8.8923 9.2142 9.5491 9.8975 10.259810.636611.028511.435911.859412.299712.7573 13.2328 13.72689 9.3685 9.7546 10.1591 10.5828 11.0266 11.4913 11.978012.487613.021013.579514.164014.775715.4157 16.0853 16.785810 10.4622 10.9497 11.4639 12.0061 12.5779 13.1808 13.816414.486615.192915.937416.722017.548718.4197 19.3373 20.303711 11.5668 12.1687 12.8078 13.4864 14.2068 14.9716 15.783616.645517.560318.531219.561420.654621.8143 23.0445 24.349312 12.6825 13.4121 14.1920 15.0258 15.9171 16.8699 17.888518.977120.140721.384322.713224.133125.6502 27.2707 29.001713 13.8093 14.6803 15.6178 16.6268 17.7130 18.8821 20.140621.495322.953424.522726.211628.029129.9847 32.0887 34.351914 14.9474 15.9739 17.0863 18.2919 19.5986 21.0151 22.550524.214926.019227.975030.094932.392634.8827 37.5811 40.504715 16.0969 17.2934 18.5989 20.0236 21.5786 23.2760 25.129027.152129.360931.772534.405437.279740.4175 43.8424 47.580416 17.2579 18.6393 20.1569 21.8245 23.6575 25.6725 27.888130.324333.003435.949739.189942.753346.6717 50.9804 55.717517 18.4304 20.0121 21.7616 23.6975 25.8404 28.2129 30.840233.750236.973740.544744.500848.883753.7391 59.1176 65.075118 19.6147 21.4123 23.4144 25.6454 28.1324 30.9057 33.999037.450241.301345.599250.395955.749761.7251 68.3941 75.836419 20.8109 22.8406 25.1169 27.6712 30.5390 33.7600 37.379041.446346.018551.159156.939563.439770.7494 78.9692 88.211820 22.0190 24.2974 26.8704 29.7781 33.0660 36.7856 40.995545.762051.160157.275064.202872.052480.9468 91.0249 102.443621 23.2392 25.7833 28.6765 31.9692 35.7193 39.9927 44.865250.422956.764564.002572.265181.698792.4699 104.7684 118.810122 24.4716 27.2990 30.5368 34.2480 38.5052 43.3923 49.005755.456862.873371.402781.214392.5026105.4910 120.4360 137.631623 25.7163 28.8450 32.4529 36.6179 41.4305 46.9958 53.436160.893369.531979.543091.1479104.6029120.2048 138.2970 159.276424 26.9735 30.4219 34.4265 39.0826 44.5020 50.8156 58.176766.764876.789888.4973102.1742118.1552136.8315 158.6586 184.167825 28.2432 32.0303 36.4593 41.6459 47.7271 54.8645 63.249073.105984.700998.3471114.4133133.3339155.6196 181.8708 212.793026 29.5256 33.6709 38.5530 44.3117 51.1135 59.1564 68.676579.954493.3240109.1818127.9988150.3339176.8501 208.3327 245.712027 30.8209 35.3443 40.7096 47.0842 54.6691 63.7058 74.483887.3508102.7231121.0999143.0786169.3740200.8406 238.4993 283.568828 32.1291 37.0512 42.9309 49.9676 58.4026 68.5281 80.697795.3388112.9682134.2099159.8173190.6989227.9499 272.8892 327.104129 33.4504 38.7922 45.2189 52.9663 62.3227 73.6398 87.3465103.9659124.1354148.6309178.3972214.5828258.5834 312.0937 377.169730 34.7849 40.5681 47.5754 56.0849 66.4388 79.0582 94.4608113.2832136.3075164.4940199.0209241.3327293.1992 356.7868 434.7451年金现值怎么计算年金现值通常为每年投资收益的现值总和，它是一定时间内每期期末收付款项的复利现值之和。

复利年金终值系数表【完整版】什么是年金终值系数？
年金终值系数指固定的距离时间相等的期间(如以年为单位)分期支付(存入)1元金额，经过若干年后按复利计算的累计本利之和。

而年金按其每次收付发作的时点(即收付当日日是在①有限期的首期期末、②有限期的首期期初、③有限期的若干期后的期末、④无限期)的不同，可分为：普通年金(后付年金)、先付年金、递延年金、永续年金等几种，故年金终值亦可分为：普通年金终值、先付年金终值、递延年金终值。

(注：永续年金只需现值，不存在终值。

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复利年金终值系数公式
年金终值系数公式如下：
年金终值系数（Future value of an annuity factor）
=F/A=(F/A,i,n)
F/A=(F/A,i,n)=frac{(1+i)^n-1}{i}
这里F/A=(F/A,i,n)代表年金终值系数，i代表利率，n代表年数。

复利终值和年金复利终值的区别
1.投资方式不同:复利的最终价值在于，你不需要连续进行同期投资，而是一次性存入；年金复利的最终价值是同期(如每月、每季)固定金额存入，而不是一次性存入。

2.计算金额不同:复利的最终值是用每期不同的本金金额来计算的；年金复利的终值是用每期相同金额的本金计算的。

完好复利年金终值系数表一览
复利年金终值系数表一
复利年金终值系数表二（接上表）
复利年金终值系数表三（接上表）
本文关键词：复利年金终值系数整版
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第一章个人理财业务概述本章知识体系专家剖析考点银行个人理财业务发展和现状、银行个人理财业务的影响因素、银行个人理财业务的定位。

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为了让考生们更容易通过，我们在软件里提供了更多的资料和试题，考生应着重理解掌握。

本章重要考点详解2．1．1 生命周期理论（表2-1）72．1．2 货币的时间价值（表2-2）2．1．3 投资理论（表2-3）82．1．4 资产配置原理（表2-4）92．1．5 投资策略与投资组合的选择（表2-5）2．2．1理财业务的客户准入（表2-6）2．2．2 客户理财价值观（表2-7）102．2．3客户风险属性（表2-8）112．2．4客户风险评估（表2-9）1213第三章 金融市场和其他投资市场本章知识体系专家剖析考点本章重点是金融市场的功能和分类、金融市场的发展、货币市场、资本市场、金融衍生品市场、外汇市场、保险市场、贵金属及其他投资市场等。

为了让考生们更容易通过，我们在软件里提供了更多的资料和试题，考生应着重理解掌握。

第三章 金融市场和其他投资市场本章重要考点详解3.1金融市场概述（表3-1）3．2．1 金融市场功能（表3-2）3．2．2 金融市场分类（表3-3）3．4．1 货币市场概述（表3-4）3．4．2 货币市场的组成（表3-5）143．4．3 货币市场在个人理财中的运用（表3-6）3．5．1 股票市场（表3-7）3．5．2 债券市场（表3-8）153．6．1 市场概述（表3-9）3．6．2 金融衍生品（表3-10）163．6．3金融衍生品市场在个人理财中的运用（表3-11）3．7．1 外汇市场概述（表3-12）3．7．2 外汇市场的分类（表3-13）3．7．3外汇市场在个人理财中的运用（表3-14）3．8．1 保险市场概述（表3-15）（表3-15）保险市场概述173．8．2 保险市场的主要产品（表3-16）3．8．3 保险市场在个人理财中的运用（表3-17）3．9．1 黄金市场及产品（表3-18）3．9．2 房地产市场（表3-19）3．9．3 收藏品市场（表3-20）19。

附表一复利终值系数表计算公式：复利终值系数二6+i)1,S=P G+i需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注：*〉99999计算公式：复利终值系数二G+i)1,S=P G+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注：计算公式：复利现值系数二G+i)-n,P==SG+i)-n(1+l)nP—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注：*<0.0001计算公式：复利现值系数二G+i)-n,P==S G+i)-nQ+i)iP—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注：计算公式：年金终值系数=_*£±@二1,S=A心二1iiA—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注：*>999999.99计算公式：年金终值系数=_*£±@二1,S=A心二1iiA—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1-(1+i)-n1-(1+i)-n计算公式：年金现值系数=,P=A—iiA—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注：1-(1+i)-n1-(1+i)-n计算公式：年金现值系数=,P=A—iiA—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。

个人理财易错点1.复利现值：PV=FV/(1+r)t复利终值：FV=PV*(1+r)t年金现值：PV=c/r*[1-1/(1+r)t] (期末) PV=c/r*[1-1/(1+r)t]（1+r）(期初)年金终值：FV=c/r*[ (1+r)t-1] (期末) FV=c/r*[ (1+r)t-1]（1+r）（期初）2.持有期收益率=（红利+市值变化）/初始市值3.系统风险是有某种全局性因素而引起的，具体包括市场利率、汇率、购买力、政策风险等非系统风险是有某种个别特殊情况而引起的，具体包括财务、经营、信用、偶然事件风险等4.常见的资产配置组合：金字塔形：安全、稳定性最佳哑铃形：极端风险多、收益多，中间少纺锤形：极端风险少、收益少，中间多梭镖形：赌徒形投资5.强型有效市场包含半强型有效市场，半强型有效市场包含弱型有效市场6.若相信市场有效，投资者将采取被动投资策略若相信市场无效，投资者将采取主动投资策略7.仅适合有投资经验的客户的理财产品起点不得低于10万元人民币，或等值外币8.回购协议时一种以证券为抵押品的抵押贷款9.大额可转让定期存单不能提前支取，但可以在二级市场上流通转让10.债券收益来源：⑴利息收益；⑵资本利得；⑶债券利息的再投资收益11.金融远期合约：双方约定在未来某一确定时间，按确定的价格买卖一定数量的某种金融工具的合约金融期货：双方同意在约定的将来某个日期，按约定的条件来买入或卖出一定数量的金融工具的标准化协议金融期货：持有在未来某个特定的时间内按买卖双方约定的价格，购买或卖出一定数量的某种金融资产权利12.世界上最大的外汇交易中心是伦敦13.⑴买进看涨期权：买方的收益=P-X-C（P≧X）(c为期权费，x为执行价格，p是市场价格)卖方的收益= -C (P<X)⑵卖出看涨的期权：期权卖出者最大的收益是出售期权所得的期权费，最大损失随着金融工具价格的上涨水平而定⑶买入看跌期权：买方的收益= -C (P>X) (c为期权费，x为执行价格，p是市场价格)卖方的收益= X - P -C（P≦X）⑷卖出看跌期权：卖出者的最大利润是出售期权所得的期权费，最大损失随基础工具价格下跌水平而定14.金融互换：两个或两个以上的当事人，按照商定条件，在约定的时间内，相互交换等现金流的合约15.保本类理财产品的特点是投资者在到期日可获100%的本金，并有机会获得更高的投资回报非保本类理财产品的特点是投资者在到期日可获100%的本金，适合能承受一定风险的投资者16.开放式产品总体份额与金额都是可变的封闭式产品总体份额在持续期不变，而总体金额可能变化。

附表一复利终值系数表计算公式：复利终值系数=i1+1+，S=P iP—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注：*〉99 999计算公式：复利终值系数=()n i1+，S=P()n i1+ 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注：计算公式：复利现值系数=()-ni 1+，P=()ni 1S+=S ()-ni 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 续表注：*<0.0001计算公式：复利现值系数=()-ni 1+，P=()ni 1S+=S ()-ni 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 年金终值系数表计算公式：年金终值系数=()i1i1n-+，S=A()i1i1n-+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*>999 999.99计算公式：年金终值系数=()i1i1n-+，S=A()i1i1n-+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式：年金现值系数=()ii11n-+-，P=A()ii11n-+-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计算公式：年金现值系数=()ii11n-+-，P=A()ii11n-+-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。