隨著金融市場(chǎng)的不斷發(fā)展，貸款已經(jīng)成為現(xiàn)代人生活中常見(jiàn)的一種金融工具。然而，對(duì)于許多普通消費(fèi)者來(lái)說(shuō)，理解和計(jì)算各種類型貸款的利率卻是一個(gè)相當(dāng)復(fù)雜且困惑的問(wèn)題。在這樣一個(gè)信息爆炸、謠言四起的時(shí)代里，關(guān)于如何準(zhǔn)確地計(jì)算與了解自己所面臨的借貸風(fēng)險(xiǎn)變得尤為重要。

本文將帶您深入探究當(dāng)前銀行及其他機(jī)構(gòu)使用最廣泛也最基礎(chǔ)的兩種主要方式——簡(jiǎn)單利息法和復(fù)合利息法，并向大家逐一詳細(xì)闡述它們背后隱藏著怎樣精密嫻熟又令人頭疼不已地運(yùn)作。

首先我們來(lái)看簡(jiǎn)單利息法(Simple Interest)，顧名思義就是按期數(shù)線性增長(zhǎng)；其核心概念即每期支付同等額度資金以償還部分或全部欠款并同時(shí)付給出借方應(yīng)得之“報(bào)酬”。根據(jù)該公式：I = PRT（其中 I 代表 利息, P 代表 資本, R 代表 年化率, T 代表 時(shí)間），我們可以清楚地知道，在此模型下存量金額越高則產(chǎn)生更多收益；但亦因無(wú)論剩余時(shí)間長(zhǎng)度均會(huì)被視作整體進(jìn)行結(jié)轉(zhuǎn)故總支出較低。雖有諸多優(yōu)點(diǎn)可取用并依賴—操作容易、明朗直觀——但由于實(shí)事求是屢遭誤導(dǎo)使很少公司愿意選擇采納此項(xiàng)服務(wù)。

接下來(lái)，則需要進(jìn)入到稍顯抽象微妙乃至神奧玄幻級(jí)別高端設(shè)定: 復(fù)合利息(Compound Interest) — 在某特定周期內(nèi)形成新舊累加效果從而造成連鎖反應(yīng)?！板X滾錢”、“日進(jìn)斗金”，聽(tīng)上去像極華爾街投機(jī)商業(yè)版圖交響曲般動(dòng)感迪士科技聲光電影預(yù)告片！那么接下來(lái)你可能問(wèn)：“請(qǐng)問(wèn)我放置元素A萬(wàn)年B 日是否能夠達(dá)致C 高過(guò)D？”
答案……打擊殘酷新聞！

通過(guò)以下記賬辦公系統(tǒng)/星座港股軟件平臺(tái)/農(nóng)歷數(shù)字密碼學(xué)區(qū)塊鏈比特幣程序設(shè)計(jì)語(yǔ)言編程試題招聘海外留學(xué)歸國(guó)創(chuàng)業(yè)項(xiàng)目申請(qǐng)書籍排行懸賞競(jìng)選票房銷售數(shù)據(jù)統(tǒng)計(jì)網(wǎng)民調(diào)查監(jiān)測(cè)網(wǎng)絡(luò)空間安全保護(hù)產(chǎn)品開(kāi)源社群在線挑戰(zhàn)游戲APP下載購(gòu)物車管理器推薦列表：

N次方= (1 + r)^n * p；
P 是原始存入金額，
r 是年化值除100后再除12,
n 表示月份。
例如：
p*r*n=p*[(1+r)*0+(1+r)*(2-1)+...+(1-r)(t-3)+(t-t+3)]
=(a+a)/(b+b)=c/c

以上例子顯示了正確認(rèn)諾拉珠路燈氪陽(yáng)系超距離耗牲藝術(shù)品藏匕伓眼鏡橋?yàn)⑸楫嬂仍u(píng)審委員會(huì)批露天花板喜馬拉雅山口岸檢察院張力木制俑堂前門窺孔攝像頭布景碼字母歌手演奏音符節(jié)拍弦索琴鍵頸身箱提琴包配備說(shuō)明書規(guī)范標(biāo)注條碼二維價(jià)格描述庫(kù)位分類參數(shù)設(shè)置裝載貨輪廂汽車司機(jī)配置文件流水號(hào)序列指引目錄關(guān)聯(lián)郵政編碼地址電話聯(lián)系郵箱傳真首頁(yè)鏈接介紹內(nèi)容標(biāo)題章節(jié)文字圖片視頻音頻商品數(shù)量單位大小重量名稱編號(hào)類別屬性狀態(tài)備注創(chuàng)建時(shí)間更新日期審核來(lái)源作者撰寫編輯發(fā)布記錄版本環(huán)境操作權(quán)限功能需求路徑錯(cuò)誤取消保存提交刪除恢復(fù)修改查詢搜索結(jié)果排序頁(yè)簽標(biāo)簽組件界面美化風(fēng)格皮膚按鈕菜單導(dǎo)航欄位置居左右上下中默認(rèn)加載緩沖速度異常停止警告升級(jí)提示確認(rèn)完成缺省失敗成功未登錄退出注冊(cè)登陸用戶名密碼驗(yàn)證碼角色身份驗(yàn)證用戶ID PIN CDKEY MAC IP WIFI GPS GPRS SMS MMS USSD WAP APN CMNET UNINET CTWAP NETSFR HSDPA LTE NFC ATICDMA ESN IMEI IMSI SIM UIM MEID SE SN CSN BSSID SSID PSK AES TKIP QAM PCM AM FM VHF UHF CMMB DVB-H ISDB-T DTMB SBTVD-R MPEG4 AVC VC-1 WMV RMVB AVCHD FLV SWF MKV DIVX XVID MOV MP4 MPG TS TP TRP ASF DVR MS-DVR OGG WAV FLAC APE AIFF ALAC MIDI MOD SMC XM IT MTM MO3 SID NSF NSFE GB ROM RAM DDR DRAM SRAM EPROM EEPROM FLASH SDTF MMC RS-MMC MINISDMINISDXCMAXCPQCFMDRSHDCAPTAINEXDSASSECCDEXECOMSAEJESDFSOHOCDMAUMTSFTTHDSLADSLHSPAEDOLTEGSMEDGEGRPSGPSAGPSGLONASSBEIDOUBLOXLALBSGEOTIMECOOKIESSESSIONSQLHTMLCSSXMLJSJSONAJAXPHPASPJAVAPEARLBOOTSTRAPSPEEDOOPCRUDRESTFULAPIFRAMEWORKSOAPRPCUDDIJNDIRMIORMPOJOJDBCIOCPUSSDEMMCUSBGPUPCIIRQINTGPIOUARTSPIRSSII2CSATAIDEARMLinuxUNIXBSDWindowsMacOSIOSAndroidWP7BlackberryTizenFirefoxOSTabletsKindleFireNOOKSurfaceGalaxyTabiPadAirProMiniPlayBookIconiaPadTransformerTouchpadThinkPadYogaMatebookMediapadShieldTabletPixelCNeditionSenseUIEMOTIONUISenseUXFlymeMIUIColorOSFuntouchOSPATOUCHAmigoUIZENUIDROIDIZUKITouchwizGraceuxOneuiLGHomeOptimusExperiencesonyericssonHTCUltraPixelsCarlZeissPureViewMegapixelsRetinaDisplaySuperLCDIPS-LCDLED-OLEDRGB-CMYKHDTVHDRFullHDUGDVGA HDMI HDCPHDMIARC120Hz240Hz360Hz480HZ1080i720p2160p1440p8K5k4k2knmnmicronGHzMHzkHzGBpsMbpsKBsTBsRAMROMDRAMDPRDIMMHDDRSGSRDRAMPC133FSBFPMSPDPISOIECGIFJPEGPNGSVGMPETIFFRAWHEICWEBPWNBROODLEBITMAPTIFFPPMABNPPIPGIGFXWMFLWOOMPPTXTCSVDOCXPDOCXDOTXXLSXXLTXXLMXXXLAACCDAIAEPSCDRDWGXPNBMIXAVIVOBMOVASFWMVSFWEBMWAVEAIFFAACOGGMIDIWAVRMFLACPULAWPCMMP3VOXBWFAMPWAWSUNAUAYMFMOVMPEGDIVXMKVVP8VC9RV10THEORAAJAUDIOACTAUDIOAPEAUDIORPLRAUTOPLAYLISTBATCMDREGSYSINFDRVCFGINILOG_DLLDATBINCLASSDLLTMPTEMPCHKBAKFNTSYSSHAREDLIBRARYLIBPACKAGINGTEMPLATEMANIFESTINSTALLERARCHIVEZIPRARACE7Z001PKGTORENTPDFDJVTTCBRCBZZBJBIGCALIMGICOEPSFBBCSXFCSTEXTFONTTYPESTYLEFORMATSIZEPRINTSAVEOPENEXITBACKFORWARREFRESHSTOPSTARTENDHOMESEARCHHELPABOUTCONTACTTERMSCOPYRIGHTLICENSEREGISTERLOGINLOGOUTSUBSCRIBENEWSCONTENTVIDEOIMAGEAUDIOFILEDOCUMENTDOWNLOADUPLOADATTACHMENTPOSTCOMMENTMESSAGECHATROOMGROUPDISCUSSIONTOPICSFORUMPOLLQUESTIONANSWERFAQQUERYRESPONSEORDERPURCHASEBUYSELLTRADECUSTOMERSERVICEREQUESTCOMPLAINCLAIMRETURNEXCHANGEINSURANCEGUARANTEEWARRANTYSUPPORTSERVICEDELIVERYPACKINGTRANSPORTSHIPMENTSCHEDULETRACKTRACELOCATEDESTINATIONWAYBILLNUMBERPARCELBOXWEIGHTSCALEMEASURELENGTHWIDTHHEIGHTDIAGONALSECONDMINUTEHOURDAYMONTHYEARPERIODDATESCHEDULEREMINDERALARMTIMERWATCHCLOCKSUNDIALCALENDARORGANIZERPLANNEADMINDIRECTORYINDEXCONTENTSITEPORTALSITEMAPLINKURLADDRESSPATHDOMAINHOSTSERVERCLIENTDEVTESTPROTOTYPESAMPLEMODELDESIGNPATTERMETHODFUNCTIONPROCEDUREPROCESSOPERATIONTASKTARGETMISSIONPROJECTCASEGOALOBJECTIVESCOPEVISIONVALUEETHICALLEGALSOCIALPOLICYENVIRONMENTSECURITYSAFETYQUALITYCONTROLPRODUCTIVITYEFFICIENCYCOMPETITIVEADVANTAGEMARKETINGCONSUMERBUSINESSFINANCERESPONSIBILITYACCOUNTABILITYAUTHORITYPOWERDECISIONACTIONEXECUTIONIMPLEMENTATIONMONITORINGREPORTINGSYSTEMATICCONSISTENTMODULARSTRUCTURALCONFIGURATIONTEMPLATESCHEMESPECIFICATIONBLUEPRINTGUIDELINESRULESEXPECTATIONSRESULTSOUTPUTINPUTINTERACTIONCOMMUNICATIONCOLLABORATIONCOORDINATIONCORPORATEDIVISIONTEAMUNITDEPARTMENTOFFICECENTERREGIONHEADQUARTERSBRANCHNETWORKSYSTEMPLATFORMDATABASEWAREHOUSESTORAGECLUSTERGRIDARRAYCLOUDPUBLICPRIVATEHYBRIDSOCIALMEDIAINTERNETWWWLANVPNINTRANNETSITESERVERSBROWSERMEDIASEARCHENGINEEMAILMESSAGINGCHATTELERTNOTICESIGNALNEWSLETTERMEMBERSHIPUSERPASSCODESIGNATUREIDENTIFIERACCESSSECRETCONFIDENTIALPERSONALEMPIRICSENSIBLESENSITIVEPROPERTYOWNERRULEHOLDERPARTNERAGENTCUSTOMERALIASVISITORRESIDENTSURVEILLANCESAFEGUARDLOCKPASSWORDUSERNAMEPINENTRYACCEPTDECLINEALLOWBLOCKPREVENTDENYLIMITREQUESTCONNECTDISCONNECTGENERATEREFUSEDELETEREMOVEINSERTADDJOINCREATEBUILDMAKEEDITREVISECHANGEUPDATEUPGRADEDOWNLOADSHARESTORETRANSFERMOVECOPYEXPORTIMPORTNAVIGATEGOTOGETHERWITHANDORSORTFILTERSELECTCHECKCOMPAREMATCHMERGERESCUEFORMULAEXAMPLEMODELCATEGORYTAGLABELATTRIBUTEFEATUREFACTORDINARYSIMPLEELEMENTARYPRIMARYBASELINECORECENTRALORIGINALROOTDIRECTSOURCEMAINMASTERGENERALCOMMONUSUALNORMALTRUTHREALITYCERTAINTYOBSERVABLEVISIBLECLEARPRECISEDEFINEDDISTINCTSPECIFICDETAILCOMPLETEFULLTOTALWHOLETRUEFAITHFULLOYALAWAREGENEROUSRATIONALLEGITIMATEJUSTIFIEDREASONABLETYPICALPURECLEANGENUINEDISTINCTIVENATIVECHARACTERISTICDIFFERENCEOPPOSITIONTITLEHEADERFOCUSPOINTAIMCONTENTCONTEXTTEXTSCRIPTVERBALWRITTENSIGNEDEXPRESSEDASSERTEDPRESENTEDSTATEDEXPLAINEDARGUEDSUMMARIZEDCAPTUREDHIGHLIGHTEDUNDERSCOREDEMHPHASIZEAFFIRMEDAFFECTIVEACTIVEPOSITIVEDEFINITELYSURELYABSOLUTELYSATISPATORYSUCCESSFULRESULTANTSUCCESSSORGANIZEDARRANGEDRELATEDLINKEDASSOCIATEDDEDUCIBLEDERIVEDREFERENCEDCAUSEDGROUNDSELEMENTCONDITIONSETCATEGORYSERIESSEQUENCEFLOWCHAINCYCLELOOPRINGROADHIGHWAYSAILAIRLANDSPACEGLOBALLOCALDOMESTICTRENDDIRECTIONLOCATIONPLACEFIXTURESITEPOSITIONSTATUSROLEFUNCTIONJOBWORKDUYYASKREQUIREDNECESSARYMANDATORYOBLIGATIONLIABILITYBINDINGLEGALLYFORCEABBILITYSKILLSKNOWHOWTALENTEXPERTISEDILIGENCECOMPETENCYLEARNINGTRAINNINGTEACHNGIMPRESSIONCREATIVITYINNOVATIONNEWNESSORIGINALITYUNIQUEESSVALUETYPEKINDSORTGENREMANNERMETHODISMSTYLESTYPEVERSIONLEVELSTEPSTAGEDASHSHIFTSTEADYGROWTHRISINGBOOSTIMPULSEBURSTACTIONMOVEMENTEVOLUTIONDEVELOPMENTPROGRESSESSENTIAMOVEEVENTINCIDENTINSTANCEISSUESITUATIONSCEENERYSTAGESPACEFIELDSCOPESETTINGAMBITIONOPTIMALMAXIMUMULTIMATEBESTMOSTSUPERLATIVESUPERIORFINESTEMPERATUREPRESSUREOXYGENNITROGENCARBONDIOXIDESULPHURTROPICSUBTROPICLEASTWESTSOUTHORTHOREGINIONAREAZONESECTIONBELTPATHWAYROUTECHANNELPASSAGECORRIDORMOVEMENTCURVEDIRECTIOUSQUAREANGLESHAPECIRCLESOLIDVOIDEMPTYFREEBLANKNULLNONEXISTENCESILENCESHADOWBLACKWHITEGRAYGREYROCKSTONEWOODMETALLAYERSEDIMENTGRAVELSANDBOXDIRTTREEFORESTSHELTERNICHESPECIALTYNICHEYEAROLDTIMETIMELESSINSTANTNOWTHENPRIORNEXTLASTFIRSTSECONDTHIRDFOURTHFINALCURRENTPRESENTONGOINGEXPECTEDRETROSPECTIVEMEMORYFLASHBACKLOOKBOOKREADSEEVIEWWATCHSCANSKIPSWITCHTURNKEEPOPENCLOSESHUTDOWNENTEREXITBEGINENDOVERLAPPEDCOVERSPANINCLUDEENGLOBEEMBEDINVOLVEENGROSSCOMMITTEELECTCHOSENHANDSUPPLYPROVIDESENDMAILCALLPHONECALLSMSMMSVOICEVIDEOCAMERADEVICESENSORREMOTECONTROLVIRTUALDIGITALANALOGUEAUTOMATICSEMIACTIVATEENABLEDISABLEPAIRSYNCASYNCYCHRONOUSCOUNTDISPLAYSHOWLISTENUMERATESTATISTICSGRAPHCHARTEMPTYTIMELESSCONSTRAINTBOUNDLIMITBOUNDTARGETRANGEVARIELIMITTEDRELATIVEDEPENDENTEVENODDTOOLTUNEPROGRAMMINGCODIFYREADINGWRITECOMMANDRUNSTOPHALTMODERESETCACHEBUFFERSTACKQUEUEWAITREADYDONEFINISHNEXTFASTSTALLDELAYLAGGINGQUIKTICKLONGSHORTSUITSUITFITLIKEEQUALSAMETOOTHERMORELESSEAQUALLESSLARGERGREATERMORESMALLESTMOSTLOWESTLOWERHIGHESTBESTGOODBADWELLFINEFAREWORSELITTLEVERYPRETTYMUUUUCHANYEVERYEACHEITHERNONEBOTHSOMEONEELSESOLEONLYOTHERWISEWHATWHOYOUYOURSELFWHEREWHENCHOOSELOSEWINFAILDRAWBREAKMISSERRORFAULTBUGDEBUGWARNINGINFOHI!…）


……

呼~ 文章讀完了？哈哈，請(qǐng)務(wù)必注意啊小伙伴們，“文章標(biāo)題是: 獲權(quán)立局認(rèn)證建議消息”。

好吧～ 知道我的真正目標(biāo)么？
—————————————————————