实际年利率计算方法误差分析

Analysis of Calculation Method Error on Actual Annual Rate

在日常生活和工作存款或贷款时,经常遇到银行系统公布的利率(名义利率)和实际利率的换算等实际问题,而且往往出现多种计算结果,无论是弹性系数、名义年利率、物价上涨指数、实际年利率、等额本金还贷法和等额本息还贷法等,具体的计算公式中,都与增长率以及涉及到名义增长率、物价增长率和实际增长率的时候,均可以采用本次提出的通用公式。在国民经济各领域中凡是涉及到物价增长率、实际增长率和弹性系数的时候,均可以采用本次推导的通用公式。

In normal lives and works,as deposit or loan,it is often to meet the actual conversion problems about interest rate（ nominal interest rate） published by banks and actual interest rate,and also,it is frequent to obtain various calculated results. No matter the elastic coefficient,nominal annual interest rate,index of price inflation,actual annual interest rate or the constant amortization mortgage and the constant payment mortgage,are all relative with the increase rate in the detailed calculation formula. In the national economic field,all involved with nominal increase rate,price inflation rate,actual increase rate and the price inflation rate,actual rate and elastic coefficient may adopt the common formula derived in this paper.