compound interest rate 中文意思是什麼
compound interest rate
解釋
復利-
In order to make the research of this paper more practicable, the paper combines the actual situation of market - oriented interest rate of china, compares and analyses the base leading rate affixation model, the cost plus pricing model, and the customer profitability analysis model, which are all very popular abroad. based on this, and according to the basic principles of lending pricing, the paper introduces the concept of loan - term compound interest, and constructs a lending pricing model on " the mobile choice between cost and market price ", which is practicable under the condition of market - oriented interest rate
為使本文的研究更有實踐意義，本文結合中國利率市場化趨勢，比較分析了國外普遍採用的「基準利率加點」 、 「成本加成」 、 「客戶盈利分析」等貸款定價模式在中國的適用性，並在此基礎上，根據貸款定價的基本原則，引入貸款期限復利概念，構建了利率市場化條件下具有實際可操作性的「成本與市價相機訣擇」的貸款定價模型。 -
Policy - holder is old period after life - insurance pay insurance cost, retreat ahead of schedule before insurance expires protect, two kinds are retreated differently maintain pattern, one kind is to arrive two years in retreat the poundage with already handed in insurance cost to deduct certain is pressed when protecting reimburse insurance cost ( the insurance cost that waits to will be received then undertakes returning returning after deducting poundage, not plan breath or do not keep a cost ) ; another kind returns cost of money namely, back down during exceeding particular insurance namely protect, right now insurance company according to previous provision each period cost of money undertakes returning returning to policy - holder, be equal to gold of repayment of capital and interest are returned to already paying insurance cost after deducting certain overhead expenses, the cost of money after arriving 2 years 3 years commonly has exceeded the insurance cost of original pay, will have compound interest rise in value according to fixed interest rate, the cost of money that these can add after clauses gets exact numerical value on the watch
投保人為多年期的人壽保險繳納保費后，在保險到期之前提前退保，有兩種不同的退保方式，一種是一到兩年之內退保時按已交保費扣減一定的手續費退還保費（等於是將收到的保費在扣除手續費后進行返還，不計息或不保值） ；另一種就是退還現金價值，也就是在超過一定的保險期間後退保，此時保險公司按照先前規定的各期現金價值對投保人進行返還，等於在扣除一定的治理費用后對已交保費返還本金和利息，一般二年到三年後的現金價值就已經超過原來繳納的保費，並將按照一定的利率進行復利增值，這些都可在保險條款后所附的現金價值表上得到準確的數值。 -
Press national regulation, 8 % what active individual account dimensions expends salary for him capture, form completely by individual pay cost, account stores the forehead is pressed year accumulate computation compound interest plan ceases, interest rate of chalk it up is united by province government make announce
按國家規定，現行的個人帳戶規模為本人繳費工資的8 % ，完全由個人繳費形成，帳戶儲存額按年累積計算復利計息，記帳利率由省政府統一制定公布。 -
However, chinese life insurance company didn ’ t know this point, and ignore the policy credit interest rate is long - time interest and is compound interest. since 1982, the policy ordered credit interest rate has been established referring to deposit interest in the same term for a long time
但我國恢復人壽保險業務后很長時期內，壽險公司內部一直沒有認識到這一問題，誤認為可以將產品保證利率與銀行利率相比較，忽視了保證利率是長期利率，而且是復利。 -
Based on the exploration of lending pricing behaviors of banks during the historic process of the interest rate system reform, the paper mainly discusses the genesis mechanism of lending price and the interrelated implicit interest rate under the condition of financial regulation, analyses the external and internal factors which influence the lending pricing decision - making process of the microeconomic bodies ( banks and enterprises ). and based on the contrast of the lending pricing modes which are popular at home and abroad now, the paper designs a lending pricing model of compound interest rate, which can be applied to the market - oriented interest rate circumstance
本文將銀行的貸款定價行為置於利率體制變革的歷史進程中加以考察，重點討論了金融管制條件下貸款價格的生成機制及與此相關的隱性利率，分析了影響微觀經濟主體（銀行和企業）貸款定價決策的內外部因素，並在對比國內外當前普遍採用的貸款定價模式的基礎上，設計了適用於利率市場化環境的貸款復利定價模型。 -
The concept of instant increment rate is recommended, the relation between stationary increment and compound interest increment is analyzed and the application of instant increment rate is introduced into the theoretical and practical model
摘要引入了瞬時增長率的概念，分析了平穩增長與連續復利增長的關系，並在理論及實際建模中介紹了瞬時增長率的應用。
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