东北财经大学23春《利息理论》综合作业一

奥鹏东北财经大学新学期作业参考

东财23春《利息理论》综合作业

有一项3年期、每年初付款100元的年金，第1年的利率为2%，第2年的利率为3%，第3年的利率为4%。该年的终值（积累值）为（）元。
A:310
B:320
C:330
D:340
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某人签署了一张1年期的1000元借据并从银行获得920元。在第6个月末，该人支付了288元。在单贴现方式，该人的这笔付款会使借据的面值减少（）元。
A:675
B:700
C:725
D:780
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以年利率4%在第1年初和第2年初分别投资1万元，并将每年的利息以年利率2%进行再投资，那么，在第4年末，这项投资的积累值为（）万元。
A:226.43
B:228.73
C:234.12
D:238.34
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A:pimg width="64" height="15" alt="" src="/TKGL/userfiles/image/QQ截图20140905092009.png" //p
B:pimg width="63" height="15" alt="" src="/TKGL/userfiles/image/QQ截图20140905092056.png" //p
C:pimg width="68" height="14" alt="" src="/TKGL/userfiles/image/QQ截图20140905092123.png" //p
D:pimg width="62" height="14" alt="" src="/TKGL/userfiles/image/QQ截图20140905092413.png" //p
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A:4；3；3
B:3；4；3
C:2；5；4
D:2；4；4
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在未来5年内，某人以偿债基金法来偿还一笔100万元的贷款，贷款年利率为4%，偿债基金存款年利率为2%。该偿债基金在第4年末的净本金支出为（）万元。
A:20. 192
B:20. 292
C:20. 392
D:20. 492
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当债券的价格高于其赎回值时，称该债券被按（）出售。
A:折价方式
B:溢价方式
C:贴现方式
D:单利方式
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A:L
B:D
C:R
D:I
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某人在未来20年内以等额本金法来偿还一笔金额为100万元的贷款，贷款年利率为4%。该人前10年内支付的利息总额为（）万元。
A:30
B:31
C:32
D:33
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在常规单利法下，投资期年数 = 投资期天数 / （）。
A:基础天数
B:365
C:360
D:12
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有一项10年期的期末付年金，每季度付款1000元，每年计息4次的名义利率为6%。该年金的现值为（）元。
A:29918.85
B:29917.85
C:29916.85
D:29915.85
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某借款人获得10000元贷款，贷款年利率为10%。该借款人以年利率8%积累偿债基金以偿还该贷款。第10年底的偿债基金余额为5000元，第11年该借款人支付的金额为1500元。于是，第11年底还款的利息部分为（）元。
A:500
B:600
C:800
D:1000
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如果每年计息12次的名义贴现率为6%，则年实际贴现率为（）。
A:4.84%
B:5.84%
C:6.04%
D:6.24%
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有一项基金账户，其账户在年初有款100万元， 4月末追加投资15万元，6月末追加投资20万元，9月末抽走资金20万元，其账户在年末有款130万元。在单利假设下，该项基金的投资额加权收益率为（）。
A:2/23
B:3/23
C:4/23
D:5/23
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在银行家法则下，投资期年数 = （）/ 360。
A:基础天数
B:投资期实际天数
C:每月按30天计算的投资期天数
D:365
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某人申请了一项10年期、以贷款年利率4%计息的30000元贷款，每年末还款一次。该笔贷款的1/3以利率2.5%的偿债基金来偿还；其余2/3以利率3.5%的偿债基金来偿还。该人在每年末支付的还款总额为（）元。
A:3697.42
B:3797.42
C:3897.42
D:3997.42
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在1年内，本金X既可以产生336元利息，也可以产生300元贴息。根据以上信息，X等于（）元。
A:2500
B:2800
C:2900
D:2950
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可以用一些“率”来度量投资的利息，这些“率”是（）。
A:利率
B:贴现率
C:名义利率
D:名义贴现率
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等额分期偿还法可以分为（）。
A:价值等式法
B:等额本息法
C:等额本金法
D:收益率法
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债务偿还的方法一般包括（）。
A:满期偿还法
B:分期偿还法
C:偿债基金法
D:净现值法
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由于利息理论研究基于“货币的时间价值”，所以不同时点的两笔或多笔资金不能直接比较。只有将这两笔或多笔资金换算到同一时点，才能进行比较。
A:对
B:错
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pspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-font-kerning: 1.0pt"对于债券，有公式/spanspan lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt"span style="position: relative; top: 9pt; mso-text-raise: -9.0pt"v:shapetype id="_x0000_t75" coordsize="21600,21600" o:spt="75" o:preferrelative="t" path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f" v:stroke joinstyle="miter"/v:strokev:formulasv:f eqn="if lineDrawn pixelLineWidth 0"/v:fv:f eqn="sum @0 1 0"/v:fv:f eqn="sum 0 0 @1"/v:fv:f eqn="prod @2 1 2"/v:fv:f eqn="prod @3 21600 pixelWidth"/v:fv:f eqn="prod @3 21600 pixelHeight"/v:fv:f eqn="sum @0 0 1"/v:fv:f eqn="prod @6 1 2"/v:fv:f eqn="prod @7 21600 pixelWidth"/v:fv:f eqn="sum @8 21600 0"/v:fv:f eqn="prod @7 21600 pixelHeight"/v:fv:f eqn="sum @10 21600 0"/v:f/v:formulasv:path o:extrusionok="f" gradientshapeok="t" o:connecttype="rect"/v:patho:lock v:ext="edit" aspectratio="t"/o:lock/v:shapetype/span/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-font-kerning: 1.0pt"img alt="" width="126" height="20" src="http://exercises.edufe.com.cn/TKGL/userfiles/image/QQ截图20140905163020.png" /成立。其中/spani style="mso-bidi-font-style: normal"span lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt"C/span/ispan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-font-kerning: 1.0pt"为赎回值，/spani style="mso-bidi-font-style: normal"span lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt"g/span/ispan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-font-kerning: 1.0pt"为修正票息率，/spani style="mso-bidi-font-style: normal"span lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt"i/span/ispan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-font-kerning: 1.0pt"为收益率，/spani style="mso-bidi-font-style: normal"span lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt"P/span/ispan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-font-kerning: 1.0pt"为购买价格，/spani style="mso-bidi-font-style: normal"span lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt"n/span/ispan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-font-kerning: 1.0pt"为票息支付次数。/span/p
A:对
B:错
正确答案问询微信：424329

等额本息法和等额本金法的区别在于：前者的每期偿还额均相等，而后者的每期偿还额的本金部分均相等。
A:对
B:错
正确答案问询微信：424329

使净现值为零的利率被称为收益率。
A:对
B:错
正确答案问询微信：424329

如果将收益率数值带入净现值公式，该公式的值不一定等于0。
A:对
B:错
正确答案问询微信：424329

在根据投资组合法来分配收益时，如果投资者预期到未来利率可能下降，就可能出于投机心理而不追加投资甚或抽走资金，以提高投资收益。
A:对
B:错
正确答案问询微信：424329

pspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"有一项年金，在前/spanspan lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"10/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"年的每年末付款/spanspan lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"1/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"，在后/spanspan lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"10/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"年的每年末付款/spanspan lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"2/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"，则该年金在第/spanspan lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"1/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"年初的现值为img width="57" height="16" alt="" src="http://exercises.edufe.com.cn/TKGL/userfiles/image/QQ截图20140905091121.png" //spanspan lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"span style="position: relative; top: 8pt; mso-text-raise: -8.0pt"v:shapetype id="_x0000_t75" stroked="f" filled="f" path="m@4@5l@4@11@9@11@9@5xe" o:preferrelative="t" o:spt="75" coordsize="21600,21600" v:stroke joinstyle="miter"/v:strokev:formulasv:f eqn="if lineDrawn pixelLineWidth 0"/v:fv:f eqn="sum @0 1 0"/v:fv:f eqn="sum 0 0 @1"/v:fv:f eqn="prod @2 1 2"/v:fv:f eqn="prod @3 21600 pixelWidth"/v:fv:f eqn="prod @3 21600 pixelHeight"/v:fv:f eqn="sum @0 0 1"/v:fv:f eqn="prod @6 1 2"/v:fv:f eqn="prod @7 21600 pixelWidth"/v:fv:f eqn="sum @8 21600 0"/v:fv:f eqn="prod @7 21600 pixelHeight"/v:fv:f eqn="sum @10 21600 0"/v:f/v:formulasv:path o:connecttype="rect" gradientshapeok="t" o:extrusionok="f"/v:patho:lock aspectratio="t" v:ext="edit"/o:lock/v:shapetype/span/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"。/span/p
A:对
B:错
正确答案问询微信：424329

pspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: Calibri; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"债券账面值的递推公式为：/spanspan lang="EN-US" style="font-family: 'Calibri','sans-serif'; font-size: 10pt; mso-hansi-font-family: 宋体; mso-font-kerning: 1.0pt; mso-fareast-font-family: 宋体; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"span style="position: relative; top: 6pt; mso-text-raise: -6.0pt"v:shapetype id="_x0000_t75" stroked="f" filled="f" path="m@4@5l@4@11@9@11@9@5xe" o:preferrelative="t" o:spt="75" coordsize="21600,21600" img width="117" height="17" alt="" src="http://exercises.edufe.com.cn/TKGL/userfiles/image/QQ截图20140905162909.png" /。v:stroke joinstyle="miter"/v:strokev:formulasv:f eqn="if lineDrawn pixelLineWidth 0"/v:fv:f eqn="sum @0 1 0"/v:fv:f eqn="sum 0 0 @1"/v:fv:f eqn="prod @2 1 2"/v:fv:f eqn="prod @3 21600 pixelWidth"/v:fv:f eqn="prod @3 21600 pixelHeight"/v:fv:f eqn="sum @0 0 1"/v:fv:f eqn="prod @6 1 2"/v:fv:f eqn="prod @7 21600 pixelWidth"/v:fv:f eqn="sum @8 21600 0"/v:fv:f eqn="prod @7 21600 pixelHeight"/v:fv:f eqn="sum @10 21600 0"/v:f/v:formulasv:path o:connecttype="rect" gradientshapeok="t" o:extrusionok="f"/v:patho:lock aspectratio="t" v:ext="edit"/o:lock/v:shapetype/span/span/p
A:对
B:错
正确答案问询微信：424329

等额本息法分期偿还表中，每期本金部分之和等于贷款金额。
A:对
B:错
正确答案问询微信：424329

当市场利率上升时，可赎回债券被提前赎回的可能性较大。
A:对
B:错
正确答案问询微信：424329

pimg width="76" height="21" alt="" src="http://exercises.edufe.com.cn/TKGL/userfiles/image/QQ截图20140905095325.png"/。/p
A:对
B:错
正确答案问询微信：424329

pspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"某人在未来/spani style="mso-bidi-font-style: normal"span lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"n/span/ispan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"年内以等额本息法来偿还一笔金额为/spani style="mso-bidi-font-style: normal"span lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"L/span/ispan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"的贷款，贷款利率为/spani style="mso-bidi-font-style: normal"span lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"i/span/ispan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"，每年末还款额为/spani style="mso-bidi-font-style: normal"span lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"R/span/ispan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"。若/spani style="mso-bidi-font-style: normal"span lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"B/span/isubspan lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"10/span/subspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"为第/spanspan lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"10/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"年末（恰在第/spanspan lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"10/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"次还款之后）的贷款余额，则：img width="107" height="22" alt="" src="http://exercises.edufe.com.cn/TKGL/userfiles/image/QQ截图20140905110327(1).png" /。/span/p
A:对
B:错
正确答案问询微信：424329

pimg width="58" height="19" alt="" src="http://exercises.edufe.com.cn/TKGL/userfiles/image/QQ截图20140905095402.png"/。/p
A:对
B:错
正确答案问询微信：424329

等额本息法分期偿还表中，每期的本金部分构成一个等比数列。
A:对
B:错
正确答案问询微信：424329

在根据投资组合法来分配收益时，如果投资者预期到未来利率可能上升，就可能出于投机心理而不追加投资甚或抽走资金，以提高投资收益。
A:对
B:错
正确答案问询微信：424329

pimg width="102" height="14" alt="" src="http://exercises.edufe.com.cn/TKGL/userfiles/image/QQ截图20140904142450.png"/。/p
A:对
B:错
正确答案问询微信：424329

不论积累时间是否超过一年，资金在年单利率3%下的积累速度一定低于年复利率3%下的积累速度。
A:对
B:错
正确答案问询微信：424329

当债券以折价出售时，投资者的利润（折价额）必须分摊到各期票息额中，与各期票息额共同体现为当期利息。
A:对
B:错
正确答案问询微信：424329

偿债基金法是指借款人每期向贷款人支付贷款利息，同时另存一笔资金到一项基金（称为偿债基金），在贷款期满时积累为贷款本金，以便一次性偿还给贷款人。
A:对
B:错
正确答案问询微信：424329

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