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Helen 🎈 · 2023年01月07日

这道题pv 为啥是25000

  1. CFA I
  2. Quantitative

NO.PZ2015120604000019

问题如下：

An investor borrowed $25,000 at 12% interest. The loan should be paid back at the same amount over next ten years, how much of the second year's payment is interest(assume annual loan payments)?

选项：

A.

$2,829.05.

B.

$4,424.60.

C.

$1,037.26.

解释：

A is correct.

PV = -25,000; FV = 0; I/Y = 12; N = 10; CPT PMT = 4,424.60.

The interest should be pad in the first year is $3,000 = 25,000 × 0.12

The principal in the second year is $25,000 -($4,424.60-$3,000) = $23,575.40.

The interest should be pad in the second year is = $23,575.40 × 0.12 = $2,829.05.

我理解的是，他向银行借了25000 所以是fv

然后再回头计算

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1 个答案

星星_品职助教 · 2023年01月08日

同学你好，

投资者在现在这个时点上从银行借了25,000，所以是在现在（0时点）有一笔25,000的现金流入，从现金流流入的角度来看，PV=25,000。

如果FV=25,000，说明的是末时点（本题中的10时点）有一笔25,000流入。而在本题中，10时点是没有任何现金流的，所以FV应设置为0.

如果题目说在10时点要偿还25,000，则从现金流流出的角度来看，此时FV=-25,000。数量中很少有这类题目，通常出现在固收科目的债券到期还本金的题型里。

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