东北财经大学23春《利息理论X》综合作业二

奥鹏东北财经大学新学期作业参考

东财23春《利息理论X》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%。该人第一年需要支付的偿还额为5.2万元，以后每年递减（）万元。
A:0.20
B:0.22
C:0.24
D:0.26
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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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一项投资基金拥有总数为100人的投资者，其中A类投资40人，B类投资者60人。2010年，A类投资者在年初分别投资了100万元，B类投资者在年初分别投资了50万元。上半年该基金的收益率为4%。当预期到下半年的收益率将上升时， A类投资者在年中分别追加投资了20万元，而B类投资者保持不变。下半年的收益率为6%。在投资组合法下，分配给每位A类投资者的收益额为（）万元。
A:125
B:127
C:129
D:131
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A:4；3；3
B:3；4；3
C:2；5；4
D:2；4；4
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如果年度实际利率为6%，则季度实际利率为（）。
A:1.12%
B:1.25%
C:1.38%
D:1.47%
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资本预算的方法包括（）。
A:收益率法和净现值法
B:未来法和过去法
C:复利法和单利法
D:偿债基金法和分期偿还法
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某10年期债券的面值为100元，年票息率为5%，可赎回日和赎回值为：第2、3、4年的付息日，赎回值110元。第6、7、8年的付息日，赎回值105元。到期日，赎回值105元。当某投资者的目标年收益率为4%时，投资者愿意支付的最高价格为（）元。
A:108.19
B:109.19
C:110.19
D:111.19
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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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某债券的面值为100元，年票息率为4%，期限为5年，到期赎回值为110元。如果年收益率为5%，所得税率为20%且无其它税负，那么该债券的价格为（）元。
A:107.28
B:108.28
C:109.28
D:110.28
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如果年实际贴现率为6%，则年实际利率为（）。
A:6/94
B:6/106
C:4/94
D:4/106
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某人在未来20年内以等额本息法来偿还一笔金额为100万元的贷款，贷款年利率为4%。第10笔偿还额中的利息部分数额为（）元。
A:25484
B:25584
C:25684
D:25784
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某人在未来20年内以等额本息法来偿还一笔金额为100万元的贷款，贷款年利率为4%。该人每年需要支付的偿还额为（）元。
A:72581.75
B:73581.75
C:74581.75
D:75581.75
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pimg width="209" height="18" alt="" src="http://exercises.edufe.com.cn/TKGL/userfiles/image/QQ截图20140904140349.png" /（）。/p
A:119.1
B:129.1
C:139.1
D:149.1
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如果年实际利率为6%，则年实际贴现率为（）。
A:6/106
B:6/94
C:4/106
D:4/104
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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年底的还款的本金部分为（）元。
A:500
B:600
C:700
D:800
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一项期初付永久年金（永续年金）每年付款1万元，年实际利率为5%。根据以上信息，该年金的现值为（）万元。
A:20
B:21
C:22.5
D:25
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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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时间加权收益率用以1衡量投资者的收益，但不能衡量基金经理的经营业绩。
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
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在等额偿债基金法下，每期的净本金支出呈现一个等比数列。
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"有一项年金，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"1~5/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"年的每年初付款/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"100/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"6~10/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"年的每年初付款/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"200/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"，在第/spanspan lang="EN-US" style="font-family: 'Times New Roman','serif'; font-size: 10pt; mso-ans奥鹏东北财经大学新学期作业参考i-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"11~20/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"年的每年初付款/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"300/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"。该年金的现值为：img width="155" height="21" alt="" src="http://exercises.edufe.com.cn/TKGL/userfiles/image/QQ截图20140905100606.png" /。/span/p
A:对
B:错
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通常，偿债基金的利率会高于贷款利率。
A:对
B:错
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实际利率和复利率在本质上是一致的。
A:对
B:错
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当债券以溢价出售时，各期票息额的一部分必须被用于弥补投资者的损失（溢价额），其剩余部分才是各期利息。
A:对
B:错
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pimg width="73" height="42" alt="" src="http://exercises.edufe.com.cn/TKGL/userfiles/image/QQ截图20140905095521.png"/。/p
A:对
B:错
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资本预算是指投资者在面临多种投资备选方案时，用以决定投资数额以及这些投资额在多种可能的投资方向之间如何分配的过程。
A:对
B:错
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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
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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
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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"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
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投资年法可以有效地避免投资组合法的固有缺陷。
A:对
B:错
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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
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当贷款利率等于偿债基金存款利率时，偿债基金表与等额分期偿还表本质上相同。
A:对
B:错
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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
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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
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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
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