\n\t\u8a31\u591a\u4eba\u9762\u5c0dExcel\u8ca1\u52d9\u51fd\u6578\u7684\u61c9\u7528\uff0c\u5f80\u5f80\u4e0d\u77e5\u9053TYPE\u8b8a\u6578\u8a72\u586b0(\u671f\u672b)\u9084\u662f1(\u671f\u521d)\uff0c\u70ba\u89e3\u6c7a\u4f7f\u7528\u8005\u9019\u65b9\u9762\u56f0\u64fe\uff0c\u672c\u6587\u91dd\u5c0dTYPE\u8b8a\u6578\u505a\u4e86\u66f4\u8a73\u7d30\u7684\u8aaa\u660e\u3002\n<\/p>\n
\n\tFV\u3001 PV\u3001PMT\u3001NPER\u3001RATE\u662fExcel\u5f88\u91cd\u8981\u76845\u500b\u8ca1\u52d9\u51fd\u6578\uff0c\u51fd\u6578\u7684\u540d\u7a31\u5176\u5be6\u4e5f\u53ef\u4ee5\u662f\u8b8a\u6578\uff0c\u56e0\u70ba\u90195\u500b\u8b8a\u6578\u4f9d\u8ca8\u5e63\u6642\u9593\u50f9\u503c\u5f97\u5230\u4e00\u500b\u65b9\u7a0b\u5f0f\uff0c\u53ea\u8981\u77e5\u9053\u5176\u4e2d4\u500b\u8b8a\u6578\uff0c\u5c31\u53ef\u4ee5\u5f97\u5230\u53e6\u4e00\u500b\u8b8a\u6578\u7684\u89e3\u3002\u51fd\u6578\u540d\u7a31\u4e7e\u8106\u5c31\u7528\u6c42\u89e3\u7684\u8b8a\u6578\u547d\u540d\u3002\u4f8b\u5982\u9810\u4f30\u67d0\u9805\u6295\u8cc7\u7684\u672a\u4f86\u6de8\u503c\u5c31\u7528FV\u51fd\u6578\uff0c\u90a3\u9ebc\u5c31\u5f97\u77e5\u9053PV\u3001PMT\u3001NPER\u3001RATE\u9019\u4e9b\u8b8a\u6578\u3002\u6216\u8005\u6c42\u8cb8\u6b3e\u5c08\u6848\u7684\u6bcf\u6708\u672c\u606f\u7e73\u6b3e\u91d1\u984d\uff0c\u53ef\u7528PMT\u51fd\u6578\uff0c\u90a3\u9ebc\u5176\u4ed64\u500b\u8b8a\u6578\u5c31\u5fc5\u9808\u662f\u5df2\u77e5\u3002\n<\/p>\n
\n\t\u8209\u4e00\u500b\u5178\u578b\u7684\u61c9\u7528\u7bc4\u4f8b\uff0c\u671f\u521d\u6295\u516510\u842c\u5143(PV)\uff0c\u4e14\u6bcf\u9694\u4e00\u500b\u6708\u518d\u6295\u51651\u842c\u5143(PMT)\uff0c\u65bc\u5e74\u5e73\u5747\u5831\u916c\u73875.0% (RATE)\u7684\u57fa\u91d1\uff0c\u7d93\u904e5\u5e74(NPER)\u5f8c\uff0c\u671f\u672b\u6de8\u503c(FV)\u6703\u662f\u591a\u5c11\uff1f\u9019\u4f8b\u5b50\u4e2dPV\u3001PMT\u3001NPER\u3001RATE\u90fd\u662f\u5df2\u77e5\uff0c\u6240\u4ee5\u5c31\u53ef\u4ee5\u7528FV\u51fd\u6578\u6c42\u89e3\u3002\n<\/p>\n
\n\t\u5716\u4e00\n<\/p>\n
\n\t
\n\t\u5716\u4e00\u70ba\u9019\u5c08\u6848\u7684\u73fe\u91d1\u6d41\u91cf\u5716\uff0cExcel\u90195\u500b\u51fd\u6578\u90fd\u662f\u4ee5\u4e00\u671f\u70ba\u8a08\u7b97\u55ae\u4f4d\uff0c\u81f3\u65bc\u4e00\u671f\u591a\u4e45\uff0c\u53ef\u4ee5\u81ea\u884c\u4f9d\u9700\u6c42\u5236\u8a02\uff0c\u4f8b\u5982\u4e00\u5e74\u3001\u534a\u5e74\u6216\u4e00\u500b\u6708\u3002\u56e0\u70ba\u672c\u4f8b\u7684\u73fe\u91d1\u6d41\u91cf\u6700\u5c0f\u671f\u9593\u662f\u4e00\u500b\u6708\uff0c\u6240\u4ee5\u5fc5\u9808\u4ee5\u4e00\u500b\u6708\u70ba\u4e00\u671f\uff0c\u800c\u671f\u9593\u70ba5\u5e74\uff0c\u6240\u4ee5\u7e3d\u671f\u6578NPER\u70ba60\u3002\n<\/p>\n
\n\t\u81f3\u65bc\u6bcf\u500b\u6708\u518d\u6295\u5165\u76841\u842c\u5143\uff0c\u4e26\u6c92\u6709\u660e\u767d\u7684\u6558\u8ff0\u6295\u5165\u6642\u9593\u9ede\uff0c\u662f\u6bcf\u4e00\u671f\u7684\u671f\u521d\u6216\u662f\u671f\u672b\uff0c\u800c\u9019\u5169\u7a2e\u578b\u614bPMT\u7684\u6bcf\u4e00\u7b46\u73fe\u91d1\u6d41\u91cf\uff0c\u525b\u597d\u90fd\u5dee\u4e861\u671f\uff0c\u6240\u4ee5\u5fc5\u9808\u7cbe\u6e96\u63cf\u8ff0\uff0c\u5426\u5247\u7b97\u51fa\u4f86\u7684\u7d50\u679c\u662f\u4e0d\u6b63\u78ba\u7684\u3002\n<\/p>\n
\n\tPMT\u6709\u591a\u5c11\u7b46\u91d1\u984d\u8ddfNPER\u606f\u606f\u76f8\u95dc\uff0cPMT\u70ba-1\u842c\u5143(\u8ca0\u503c\u70ba\u73fe\u91d1\u6d41\u51fa)\u3001NPER\u70ba60\u500b\u6708\uff0c\u4ee3\u8868\u8457\u6bcf\u4e00\u6708\u90fd\u6703\u6709\u652f\u4ed81\u842c\u5143\uff0c\u7e3d\u5171\u670960\u842c\u3002\u4f46\u9019\u6a23\u63cf\u8ff0\u9084\u4e0d\u5920\uff0c\u5fc5\u9808\u52a0\u5165TYPE\u8b8a\u6578\u624d\u5b8c\u6574\uff0c\u901960\u842c\u6295\u5165\u7684\u6642\u9593\u9ede\uff0c\u662f\u6bcf\u4e00\u671f\u7684\u671f\u521d\u9084\u662f\u671f\u672b\u5462\uff0c\u662f\u7531TYPE\u6c7a\u5b9a\u7684\uff0c0\u4ee3\u8868\u671f\u672b(\u9810\u8a2d\u503c)\u800c1\u4ee3\u8868\u671f\u521d\u3002\u5716\u4e00\u5de6\u908a\u671f\u672b\uff0c\u53f3\u908a\u662f\u671f\u521d\u3002\u8868\u4e00\u5217\u51fa\u4e86\u5169\u7a2e\u6a21\u5f0f\u7684\u8a08\u7b97\u516c\u5f0f\u53ca\u7d50\u679c\u3002\n<\/p>\n
\n\t\u8868\u4e00\n<\/p>\n
\n\tType \u516c\u5f0f
\n\tFV(rate, nper, pmt, [pv], [type]) \u7d50\u679c
\n\t0\uff1a\u671f\u672b =FV(5%\/12, 60, -10000, -100000, 0)
\n\t\u6216
\n\t=FV(5%\/12, 60, -10000, -100000) 808,396.70
\n\t1\uff1a\u671f\u521d =FV(5%\/12, 60, -10000, -100000, 1) 811,230.28
\n\t\u8981\u7279\u5225\u6ce8\u610f\uff0c\u671f\u521d\u4e0d\u662f\u6708\u521d\uff0c\u671f\u672b\u4e5f\u4e0d\u662f\u6708\u5e95\u3002\u4e00\u671f\u7684\u8d77\u59cb\u9ede\u662f\u4ee5\u5c08\u6848\u751f\u6548\u65e5\u8d77\u7b97\uff0c\u4e5f\u662f\u7b2c\u4e00\u671f\u7684\u671f\u521d\uff0c\u4e00\u671f\u7684\u7d50\u675f\u9ede\u70ba\u671f\u672b\uff0c\u800c\u6bcf\u4e00\u671f\u7684\u671f\u672b\u5c31\u662f\u4e0b\u4e00\u671f\u7684\u671f\u521d\uff0c\u4f8b\u5982\u7b2c1\u671f\u672b\u7b49\u65bc\u7b2c2\u671f\u521d\uff0c\u7b2c10\u671f\u521d\u4e5f\u7b49\u65bc\u7b2c9\u671f\u672b\u3002\u6709\u6642\u5019\u4e5f\u6703\u4ee5\u5951\u7d04\u751f\u6548\u65e5\u70ba\u7b2c\u4e00\u671f\u7684\u671f\u521d\uff0c\u4f8b\u5982\u9280\u884c\u8cb8\u6b3e\u6216\u4fdd\u96aa\u3002\n<\/p>\n
\n\t\u9280\u884c\u8cb8\u6b3e\u4e4b\u6bcf\u6708\u7e73\u6b3e\u91d1\u984d\n<\/p>\n
\n\t\u7528\u7bc4\u4f8b\u4f86\u89e3\u8aaa\u66f4\u6e05\u695a\uff0c\u6709\u4e00\u9280\u884c\u8cb8\u6b3e\u5c08\u6848\uff0c\u8cb8\u6b3e\u91d1\u984d100\u842c\u5143\uff0c\u5e74\u5229\u73875.0%\uff0c\u520636\u6708\u672c\u606f\u5e73\u5747\u6524\u9084\uff0c\u6bcf\u6708\u7e73\u6b3e\u91d1\u984d\u70ba\u591a\u5c11\uff1f\n<\/p>\n
\n\t\u672c\u91d1\u53ca\u5229\u606f\u662f\u64a5\u6b3e\u4e4b\u5f8c\u8d77\u7b97\uff0c\u6bcf\u4e00\u500b\u6708\u5f8c\u7e73\u4ea4\u4e00\u6b21\u3002\u6240\u4ee5\u9280\u884c\u64a5\u6b3e\u65e5\u4e5f\u662f\u7b2c\u4e00\u671f\u7684\u671f\u521d\u3002\u82e5\u64a5\u6b3e\u65e5\u70ba2\/10\uff0c\u90a3\u9ebc\u7b2c\u4e00\u671f\u672b\u5c31\u662f3\/10\uff0c\u7b2c\u4e8c\u671f\u672b\u70ba4\/10\u4f9d\u6b64\u985e\u63a8\u3002\u73fe\u91d1\u6d41\u91cf\u5982\u5716\u4e8c\u6240\u793a\uff1a\n<\/p>\n
\n\t\u5716\u4e8c\n<\/p>\n
\n\t
\n\t\u56e0\u70ba\u9019\u61c9\u7528\u8981\u6c42\u89e3\u7684\u662f\u6bcf\u6708\u7e73\u6b3e(PMT)\uff0c\u6240\u4ee5\u7528PMT\u51fd\u6578\u4f86\u8a08\u7b97\uff0c\u516c\u5f0f\u5982\u4e0b\uff1a\n<\/p>\n
\n\t=PMT(rate, nper, pv, [fv], [type])\n<\/p>\n
\n\t\u4e2d\u62ec\u5f27\u7684fv\u53catype\u82e5\u70ba0\u53ef\u4ee5\u7701\u7565\u3002\n<\/p>\n
\n\t\u6b64\u5c08\u6848\u6700\u5c0f\u9593\u8ddd\u70ba\u4e00\u500b\u6708\uff0c\u6240\u4ee5\u6bcf\u6708\u70ba\u4e00\u671f\uff0c\u64a5\u6b3e\u65e5\u958b\u59cb\u751f\u6548\uff0c\u6240\u4ee5\u6bcf\u6708\u672c\u606f\u7684\u7e73\u6b3e\u6642\u9593\u9ede\u90fd\u843d\u5728\u671f\u672b\uff0c\u6240\u4ee5type\u5fc5\u9808\u8a2d\u5b9a\u70ba0\uff0c\u56e0\u70bafv\u53catype\u90fd\u662f\u9810\u8a2d\u503c0\uff0c\u6240\u4ee5\u53ef\u4ee5\u7701\u7565\u3002\u56e0\u6b64\u516c\u5f0f\u5982\u4e0b\uff1a\n<\/p>\n
\n\t=PMT(5%\/12, 36, -1000000)
\n\t=29,971\n<\/p>\n
\n\t\u516d\u5e74\u671f\u5132\u84c4\u96aa\u4e4b\u5229\u7387\u8a08\u7b97\n<\/p>\n
\n\t\u53e6\u4e00\u500b\u61c9\u7528\u662f100\u842c\u516d\u5e74\u671f\u5132\u84c4\u96aa\uff0c\u5e74\u7e73\u4fdd\u8cbb15\u842c4,876\u5143\uff0c\u9019\u4fdd\u96aa\u76f8\u7576\u65bc\u9280\u884c\u591a\u5c11\u7684\u5e74\u5229\u7387\uff1f\u5132\u84c4\u96aa\u7684\u73fe\u91d1\u6d41\u91cf\u5982\u5716\u4e09\u6240\u793a\uff1a\n<\/p>\n
\n\t\u5716\u4e09\n<\/p>\n
\n\t
\n\t\u8981\u6c42\u89e3\u7684\u662f\u5229\u7387(RATE)\uff0c\u6240\u4ee5\u7528Excel\u7684RATE\u51fd\u6578\uff0c\u5176\u4ed6\u56db\u500b\u8b8a\u6578FV\u3001 PV\u3001PMT\u3001NPER\u5fc5\u9808\u5df2\u77e5\u624d\u884c\uff0cRATE\u51fd\u6578\u683c\u5f0f\u5982\u4e0b\uff1a\n<\/p>\n
\n\t=RATE(nper, pmt, pv, [fv], [type], [guess])\n<\/p>\n
\n\t\u5951\u7d04\u958b\u59cb\u751f\u6548\u6642\u5c31\u662f\u7b2c\u4e00\u671f\u7684\u671f\u521d\uff0c\u7b2c\u4e00\u671f\u4fdd\u8cbb\u65bc\u6295\u4fdd\u6642\u5c31\u5f97\u4ea4\u4ed8\uff0c\u6240\u4ee5\u5c6c\u65bc\u671f\u521d\u5e74\u91d1\uff0cTYPE\u5fc5\u9700\u8a2d\u70ba1\u3002\u73fe\u91d1\u6d41\u91cf\u7684\u6700\u77ed\u9593\u8ddd\u70ba\u4e00\u5e74\uff0c\u6240\u4ee5\u6bcf\u4e00\u5e74\u70ba\u4e00\u671f\uff0c\u4e5f\u5c31\u662fNPER\u7b49\u65bc6\u3002\u5e74\u5229\u7387\u8a08\u7b97\u7d50\u679c\u5982\u4e0b\uff1a\n<\/p>\n
\n\t=RATE(6, -154876, 0, 1000000, 1)
\n\t=2.1%<\/p>\n","protected":false},"excerpt":{"rendered":"
\u8a31\u591a\u4eba\u9762\u5c0dExcel\u8ca1\u52d9\u51fd\u6578\u7684\u61c9\u7528\uff0c\u5f80\u5f80\u4e0d\u77e5\u9053TYPE\u8b8a\u6578\u8a72\u586b0(\u671f\u672b)\u9084\u662f1(\u671f\u521d)\uff0c\u70ba\u89e3\u6c7a\u4f7f\u7528\u8005\u9019\u65b9\u9762\u56f0\u64fe … \u95b1\u8b80\u5168\u6587\u3008Excel\u8ca1\u52d9\u51fd\u6578\u3009<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/www.kuki.idv.tw\/index.php?rest_route=\/wp\/v2\/posts\/2710"}],"collection":[{"href":"https:\/\/www.kuki.idv.tw\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kuki.idv.tw\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kuki.idv.tw\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kuki.idv.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2710"}],"version-history":[{"count":1,"href":"https:\/\/www.kuki.idv.tw\/index.php?rest_route=\/wp\/v2\/posts\/2710\/revisions"}],"predecessor-version":[{"id":2711,"href":"https:\/\/www.kuki.idv.tw\/index.php?rest_route=\/wp\/v2\/posts\/2710\/revisions\/2711"}],"wp:attachment":[{"href":"https:\/\/www.kuki.idv.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2710"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kuki.idv.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2710"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kuki.idv.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2710"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}