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1、1/24/202311/24/202321/24/202331/24/202341/24/202351/24/20236特点：1.每期的利息相等 2.利息计算的基数相等1/24/20237 niFP11/24/202381/24/202391/24/2023101/24/2023111/24/2023121/24/2023131/24/2023141/24/202315iiAFn1)1(1/24/202316iiAFn1)1(1)1(niiFA1/24/202317iiAPn)1(11/24/202318iiAPn)1(1niiPA)1(11/24/2023191/24/2023201/24/
2、20232111)1(1iiAFnF=A(F/A,i,n)(1+i)1/24/2023221/24/2023231)1(1)1(iiAPnP=A(P/A,i,n)(1+i)1/24/2023241/24/2023251/24/2023261/24/2023271/24/202328iAP1iiiLimnn1)1(11/24/2023291/24/2023301)(1nPFi1/24/202331031.0014.0%1%8ii=8.45%1/24/2023321/24/2023331/24/20233411MMri实际利率实际利率要高于名要高于名义利率义利率1/24/202335%24.81%
3、)21(14%814Mi1/24/2023361/24/2023371/24/2023381/24/2023391/24/2023401/24/2023411/24/2023421/24/202343第二节 收益与风险n1.同样报酬的投资,你该如何选择?n2.你是什么样的投资者,喜欢高风险高报酬?还是稳健投资的?1/24/2023441/24/2023451/24/2023461/24/2023471/24/20234810iP11niiP1/24/202349niiiPXX11/24/202350情况收益(万元)概率好3000.3中2000.4差1000.31/24/202351niiiPX
4、X12)()(46.773.0)200100(4.0)200200(3.0)200300(222)1(万元1/24/202352niiiPXX122)(1/24/202353市场情况利润(万元)概率好6000.3中3000.5差00.2)(2102.0)3300(5.0)330300(3.0)330600(222)2(万元1/24/202354XV3873.020046.77)1(V6364.0330210)2(V1/24/202355XV1/24/202356XV1/24/202357XV1/24/202358四、风险的衡量四、风险的衡量n1.资产组合的系统性风险系数的计量iipW1/24/202359四、风险的衡量四、风险的衡量n2.资本资产定价模型)R-(RRRFmFii1/24/202360课堂小结n1.风险的类型n2.风险的收益n3.风险的衡量1/24/2023611/24/202362演讲完毕，谢谢观看！
财务管理基本观念(PPT 62页)
