170被浏览91,040分享邀请回答116 条评论分享收藏感谢收起0添加评论分享收藏感谢收起年金终值中的利率是定期的还是活期的？如果存入一年半的话，在年金终值系数表中算几年啊？_百度知道
年金终值中的利率是定期的还是活期的？如果存入一年半的话，在年金终值系数表中算几年啊？
我有更好的答案
是活期的，按照月计算复利有的半年或者一个季度还要复利一次
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我们会通过消息、邮箱等方式尽快将举报结果通知您。年金问题_百度知道
果每年存3000元，按季度付息，一个季度后终值是多少3000×（1+8％）∧1/，年利率8％
按季度付息”即每季度按2%付息(也就是第二种算法)现实中通常给出年利率，8%被称为名义利率。本题中“年利率8%，紧接着在后面注明复利计息期
采纳率：83%
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我们会通过消息、邮箱等方式尽快将举报结果通知您。以下试题来自：
多项选择题下列对年金分类对应关系正确的有（）。
A．按照起讫日期，划分为简单年金和一般年金
B．按照每期年金收支额是否相等，划分为等额年金和不等额年金
C．按照持续期，划分为有限年金和无限年金
D．按照每期年金额发生的时间，划分为确定年金和不确定年金
E．按照年金发生期间与计息期间是否一致，划分为后付年金、先付年金等
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最新相关试卷年金终值_百度百科
声明：百科词条人人可编辑，词条创建和修改均免费，绝不存在官方及代理商付费代编，请勿上当受骗。
年金终值就是在已知等额收付款金额Present、利率（这里我们默认为年利率）interest和计息期数n时，考虑货币的时间价值，计算出的这些收付款到到期时的等价票面金额。而年金按其每次收付发生的时点（即收付当日日是在①有限期的首期期末、②有限期的首期期初、③有限期的若干期后的期末、④无限期）的不同，可分为：（后付年金）、、、等几种，故年金终值亦可分为：、先付年金、递延年金终值。（注：永续年金只有，不存在终值。）
年金终值概念与分类
年金终值概念
（Annuity）是指一定期间内每期等额收付的款项。因此，可以说年金是的产物，是复利的一种特殊形式（等额收付）。[1]
年金终值分类
（Ordinary Annuity）是指每期期末收付款项的年金，[1]
例如采用直线法计提的单项固定资产的折旧（折旧总额会随着固定资产数量的变化而变化，不是年金，但就单项固定资产而言，其使用期内按直线法计提的折旧额是一定的）、一定期间的租金（租金不变期间）、每年员工的社会保险金（按月计算，每年7月1日到次年6月30日不变）、一定期间的贷款利息（即银行存贷款利率不变且存贷金额不变期间，如贷款金额在银行贷款利率不变期间有变化可以视为多笔年金）等。
（Annuity Due）是指每期期初收付款项的年金，[1]
例如先付钱后用餐的餐厅，每一道菜（包括米饭、面、饺子和馄饨等）分别出来之后都是先付年金。
（Deferred Annuity）是指在预备计算时尚未发生收付，但未来一定会发生若干期等额收付的年金，[1]
一般是在金融理财和社保回馈方面会产生递延年金。递延年金在做投资或其他资本预算时具有相当可观的作用。
（Perpetual Annuity）即无限期连续收付款的年金，[1]
最典型的就是。
年金终值背景
从初期开始，“”现象频出，贷出资金者在短时期内“”生钱，由此也就产生了“”的概念。在这样的社会大背景下，复利产生了；而为了简化等额复利的计算，也就应运而生。
年金终值分类与计算
年金终值普通年金终值
终值：指一定时期内，每期期末等额收入或支出的本利和，也就是将每一期的金额，按复利换算到最后一期期末的终值，然后加总，就是该年金终值。例如：每年存款10000元，年利率为10%，经过5年，逐年的终值为年金终值，计算为：
记作F=A（F/A，i，n）。推导如下：
如果年金的期数n很多，用上述方法计算终值显然相当繁琐。由于每年支付额相等，折算终值的系数又是有规律的，所以，可找出简便的计算方法，其思路为：将其视为以（1+i）为公比的等比数列，采用等比数列求和公式，将其简化为以下公式：
设每年的支付金额为A，利率为i，期数为n，则按复利计算的年金终值F为：
为普通年金终值系数后付年金终值系数，利率为i，经过n期的年金终值记作(F/A，i，n)，可查普通表。
年金终值先付年金终值
先付年金终值：是其最后一期期末时的本利和，相当于各期期初等额收付款项的复利终值之和。
n期先付年金与n期的收付款次数相同，但由于付款时间不同，n期先付年金终值比n期普通年金的终值多计算一期利息。因此在n期的基础上乘以（1+i）就得出n期先付年金的终值了，公式为：
记作F=A·[(F/A，i，n+1)-1]
则如果上例为每年初计息的话，经过5年，逐年的终值为年金终值，计算为：
年金终值递延年金终值
递延年金终值，它的计算完全可以利用普通年金终值公式来计算（因为递延期内没有年金）
年金终值永续年金终值
永续年金因为是无限期收付的，所以永续年金没有终值。
年金终值系数表
本词条提供1%~50%利率1~50期的（精确到）供查询。但因利率越高、期数越长，会导致数据过长，所以本表特意每5个百分点分出一张表格，合计10张表格，以免出现表内换行的情形。
表一（1%~5%利率）
年 金 终 值 系 数 表利率
1%2%3%4%5%11.00001.00001.00001.00001.000022.01002.02002.03002.04002.050033.03013.06043.09093.12163.152544.06044.12164.18364.24654.310155.10105.20405.30915.41635.525666.15206.30816.46846.63306.801977.21357.43437.66257.89838.142088.28568.58308.89239.21429.549199.36859.754610.159110.582811.02661010.462210.949711.463912.006112.57791111.566812.168712.807813.486414.20681212.682513.412114.192015.025815.91711313.809314.680315.617816.626817.71301414.947415.973917.086318.291919.59861516.096917.293418.598920.023621.57861617.257918.639320.156921.824523.65751718.430420.012121.761623.697525.84041819.614721.412323.414425.645428.13241920.810922.840625.116927.671230.53902022.019024.297426.870429.778133.06602123.239225.783328.676531.969235.71932224.471627.299030.536834.248038.50522325.716328.845032.452936.617941.43052426.973530.421934.426539.082644.50202528.243232.030336.459341.645947.72712629.525633.670938.553044.311751.11352730.820935.344340.709647.084254.66912832.129137.051242.930949.967658.40262933.450438.793345.328952.966362.32273034.784940.568147.575456.084966.43883136.132742.379450.002759.328370.76083237.494144.227052.502862.701575.29883338.869046.111655.077866.209580.06383440.257748.033857.730269.857985.06703541.660349.994560.462173.652290.32033643.076951.994463.275977.598395.83633744.507654.034366.174281.7022101.62813845.952756.114969.159485.9703107.70953947.412358.237272.234290.4091114.09504048.886460.402075.401395.0255120.79984150.375262.610078.663399.8265127.83984251.879064.862282.0232104.8196135.23184353.397867.159585.4839110.0124142.99334454.931869.502789.0484115.4129151.14304554.481171.892792.7199121.0294159.70024658.045974.330696.5015126.8706168.68524759.626376.8172100.3965132.9454178.11944861.222679.3535104.4084139.2632188.02544962.834881.9406108.5406145.8337198.42675064.463284.5794112.7969152.6671209.3480[3-4]
表二（6%~10%利率）
年金终值系数表（续表一） 利率
6%7%8%9%10%11.00001.00001.00001.00001.000022.06002.07002.08002.09002.100033.18363.21493.24643.27813.310044.37464.43994.50614.57314.641055.63715.75075.86665.98476.105166.97537.15337.33597.52337.715678.39388.65408.92289.20049.487289.897510.259810.636611.028511.4359911.491311.978012.487613.021013.57951013.180813.816414.486615.192915.93741114.971615.783616.645517.560318.53121216.869917.888418.977120.140721.38431318.882120.140621.495322.953424.52271421.015122.550524.214926.019227.97501523.276025.129027.152129.360931.77251625.672527.888130.324333.003435.94971728.212930.840233.750236.973740.54471830.905733.999037.450241.301345.59921933.760037.379041.446346.018551.15912036.785640.995545.762051.160157.27502139.992744.865250.422956.764564.00252243.392349.005755.456862.873371.40272346.995853.436160.893369.531979.54302450.815658.176766.674876.789888.48732554.864563.249073.105984.700998.34712659.156468.676579.954493.3240109.18182763.705874.483887.3508102.7231121.09992868.528180.697795.3388112.9682134.20992973.639887.3465103.9659123.1354148.63093079.058294.4608113.2832136.3075164.49403184.8017102.0730123.3459149.5752181.94343290.8898110.2182134.2135164.0370201.13783397.3432118.9334145.9506179.8003222.251534104.1838128.2588158.6267196.9823245.476735111.4348138.2369172.3168215.7108271.024436119.1209148.9135187.1021236.1247299.126837127.2681160.3374203.0703258.3759330.039538135.9042172.5610220.3159282.6298364.043439145.0585185.6403238.9412309.0665401.447840154.7620199.6351259.0565337.8824442.592641165.0477214.6096280.7810369.2919487.851842175.9505230.6322304.2435403.5281537.637043187.5076247.7765329.5830440.8457592.400744199.7580266.1209356.9496481.5218652.640845212.7435285.7493386.5056525.8587718.904846226.5081306.7518418.4261574.1860791.795347241.0986329.2244452.9002626.8628871.974948256.5645353.2701490.1322684.2804960.172349272.9584378.9990530.3427746.86561,057.189650290.3359406.5289573.7702815.08361,163.9085[4-5]
表三（11%~15%利率）
年金终值系数表（续表二）利率
11%12%13%14%15%11.00001.00001.00001.00001.000022.11002.12002.13002.14002.150033.34213.37443.40693.43963.472544.70974.77934.84984.92114.993456.27786.35286.48036.61016.742467.91298.11528.32278.53558.753779.783310.089010.404710.730511.0668811.859412.299712.757313.232813.7268914.164014.775715.415716.085316.78581016.722017.548718.419719.337320.30371119.561420.654621.814323.044524.34931222.713224.133125.650227.270729.00171326.211628.029129.984732.088734.35191430.094932.392634.882737.581140.50471534.405437.279740.417543.842447.58041639.189942.753346.671750.980455.71751744.500848.883753.739159.117665.07511850.395955.749761.725168.394175.83641956.939563.439770.749478.969288.21182064.202872.052480.946891.0249102.44362172.265181.698792.4699104.7684118.81012281.214392.5026105.4910120.4360137.63162391.1479104.6029120.2048138.2970159.276424102.1742118.1552136.8315158.6586184.167825114.4133133.3339155.6196181.8708212.793026127.9988150.3339176.8501208.3327245.712027143.0786169.3740200.8406238.4993283.568828159.8173190.6989227.9499272.8892327.104129178.3972214.5828258.5834312.0937377.169730199.0209241.3327293.1992356.7868434.745131221.9132271.2926332.3151407.7370500.956932247.3236304.8477376.5161465.8202577.100533275.5292342.4294426.4632532.0350664.665534306.8374384.5210482.9034607.5199765.365435341.5896431.6635546.6808693.5727881.170236380.1644484.4631618.7493791.67291,014.345737422.9825543.5987700.1867903.50711,167.497538470.5106609.8305792.21101,030.98811,343.622239523.2667684.0102896.19841,176.33781,546.165540581.8261767.09141,013.70421,342.02511,779.090341646.8269860.14241,146.48581,530.90862,046.953942718.9779964.35951,296.52891,746.23582,354.996943799.06551,081.08261,466.07771,991.70882,709.246544887.96271,211.81251,657.66782,271.54813,116.633445986.63861,358.23001,874.16462,590.56483,585.1285461,096.16881,522.21762,118.80602,954.24394,123.8977471,217.74741,705.88382,395.25083,368.83804,743.4824481,352.69961,911.58982,707.63343,841.47535,456.0047491,502.49652,141.98063,060.62584,380.28196,275.4055501,668.77123,459.50714,994.52137,217.7163[6-7]
表四（16%~20%利率）
年金终值系数表（续表三） 利率
18%19%20%11.00001.00001.00001.00001.000022.16002.17002.18002.19002.200033.50563.53893.57243.60613.640045.06655.14055.21545.29135.368056.87717.01447.15427.29667.441668.97749.20689.44209.68309.9299711.413911.772012.141512.522712.9159814.240114.773315.327015.902016.4991917.518518.284719.085919.923420.79891021.321522.393123.521324.708925.95871125.732927.199928.755130.403532.15041230.850232.823934.931137.180239.58051336.786239.404042.218745.244548.49661443.672047.102750.818054.840959.19591551.659556.110160.965366.260772.03511660.925066.648872.939079.850287.44211771.673078.979287.068096.0218105.93061884.140793.4056103.7403115.2659128.11671998.6032110.2846123.4135138.1664154.740020115.3797130.0329146.6280165.4180186.688021134.8405153.1385174.0210197.8474225.025622157.4150180.1721206.3448236.4385271.030723183.6014211.8013244.4868282.3618326.236924213.9776248.8076289.4945337.0105392.484225249.2140292.1049342.6035402.0425471.981126290.0883342.7627405.2721479.4306567.377327337.5024402.0323479.2211571.5224681.852828392.5028471.3778566.4809681.1116819.223329456.3032552.5121669.4475811.5228984.068030530.3117647.4391790.9480966.71221,181.881631616.1616758.5038934.31861,151.38751,415.257932715.7475888.44941,103.49601,371.15111,704.109533831.26711,040.48581,303.12531,632.66982,045.931434965.26981,218.36841,538.68781,943.87712,456.1176351,120.71301,426.49101,816.65162,314.21372,948.3411361,301.02701,669.99452,144.64892,754.91433,539.0094371,510.19141,954.89362,531.68573,279.34814,247.8113381,752.82202,288.22552,988.38913,903.42425,098.3735392,034.27352,678.22383,527.29924,646.07486,119.0482402,360.75723,134.52184,163.21305,529.82907,343.8578412,739.47843,668.39064,913.59146,581.49658,813.6294423,178,79494,293.01695,799.03787,832.980810,577.3553433,688.40215,023.82986,843.86469,322.247212,693.8264444,279.54655,878.88098,076.760311,094.474115,233.5916454,965.27396,879.29079,531.577113,203.424218,281.3099465,760.71778,049.770111,248.261015,713.074821,938.5719476,683.43269,419.231013,273.947918,699.559126,327.2863487,753.781811,021.500215,664.258622,253.475331,593.7436498,995.386912,896.155318,484.825126,482.635637,913.49235010,435.648815,089.501721,813.093731,515.336345,497.1908[8]
表五（21%~25%利率）
年金终值系数表（续表四） 利率
21%22%23%24%25%11.00001.00001.00001.00001.000022.21002.22002.23002.24002.250033.67413.70843.74293.77763.812545.44575.52425.56045.68425.765657.58927.73967.89268.04848.2070610.183010.442310.707910.980111.2588713.321413.739614.170814.615315.0735817.118917.762318.430019.122919.8419921.713922.670023.669024.712525.80231027.273828.657430.112831.643433.25291134.001335.962038.038840.237942.56611242.141644.873747.787750.895054.20771351.991355.745959.778864.109768.75961463.909569.010074.528080.496186.94951578.330585.192292.6694100.8151109.68681695.7799104.9345114.9834126.0108138.108517116.8937129.0201142.4295157.2534173.635718142.4413158.4045176.1883195.9942218.044619173.3540194.2535217.7116244.0328273.555820210.7584237.9893268.7853303.6006342.944721256.0176291.3469331.6059377.4648429.680922310.7813356.4432408.8753469.0563538.101123377.0454435.8607503.9166582.6298673.626424457.2249532.7501620.8174723.4610843.032925554.2422650.9551764.6054898.09161,054.791226671.6330795.1653941.46471,114.63361,319.489027813.6759971.10161,159.00161,383.14271,650.361228985.54791,185.74401,426.57191,716.10072,063.9515291,193.51291,447.60771,755.68352,128.96482,580.9394301,445.15071,767.08132,160.49072,640.91643,227.1743311,749.63232,156.83922,658.40363,275.73634,034.9678322,118.05512,632.34393,270.83644,062.91305,044.7098332,563.84673,212.45954,024.12875,039.01226,306.8872343,103.25453,920.20064,950.67836,249.37517,884.6091353,755.93794,783.64476,090.33447,750.22519,856.7613364,545.68485,837.04667,492.11139,611.279112,321.9516375,501.27877,122.19689,216.296911,918.986115,403.4396386,657.54728,690.080111,337.045114,780.542819,255.2994398,056.632110,602.897813,945.565518,328.873124,070.1243409,749.524812,936.535317,154.045622,728.802630,088.65544111,797.925115,783.573021,100.476128,184.715237,611.81924214,276.489319,256.959125,954.585634,950.046947,015.77404317,275.552123,494.490131,925.140343,339.058158,770.71754420,904.418028,664.277939,268.922553,741.432173,464.39694525,295.345834,971.419148,301.774766,640.375891,831.49624630,608.368442,666.131259,412.182982,635.0660114,790.37024737,037.125752,053.680173,077.9850102,468.4818143,488.96274844,815.922263,506.489789,886.9215127,061.9174179,362.20344954,228.265877,478.9175110,561.9135157,557.7776224,203.75435065,617.201694,525.2793135,992.1536195,372.6442280,255.6929[8]
表六（26%~30%利率）
年金终值系数表（续表五） 利率
26%27%28%29%30%11.00001.00001.00001.00001.000022.26002.27002.28002.29002.300033.84763.88293.91843.95413.990045.84805.93136.01566.10086.187058.36848.53278.69998.87009.0431611.544211.836612.135912.442312.7560715.545816.032416.533917.050617.5828820.587621.361222.163422.995323.8577926.940428.128729.369230.663932.01501034.944936.723538.592640.556442.61951145.030647.638850.398553.317856.40531257.738661.501365.510069.780074.32701373.750679.106684.852991.016197.62501493.9258101.4654109.6117118.4108127.912515119.3465129.8611141.3029153.7500167.286316151.3766165.9236181.8677199.3374218.472217191.7345211.7230233.7907258.1453285.013918242.5855269.8882300.2521334.0074371.518019306.6577343.7580385.3227431.8696483.973420387.3887437.5726494.2131558.1118630.165521489.1098556.7173633.5927720.9642820.215122617.2783708.0309811.9987931.04381,067.279623778.7707900.19931,040.35831,202.04651,388.463524982.25111,144.25311,332.65861,551.64001,806.0026251,238.63631,454.20141,706.80312,002.61562,348.8033261,561.68181,847.83582,185.70792,584.37413,054.4443271,968.71912,347.75152,798.70613,334.84263,971.7776282,481.58602,982.64443,583.34384,302.94705,164.3109293,127.79843,788.95834,587.68015,551.80166,714.6042303,942.02604,812.97715,873.23067,162.82418,279.9855314,967.95276,113.48097,518.73519,241.043111,349.9811326,260.62047,765.12079,624.981011,921.945614,755.9755337,889.38179,862.703312,320.975615,380.309819,183.7681349,941.621012,526.633215,771.848819,841.600024,939.89853512,527.442415,909.824220,188.966525,596.663632,422.86813615,785.577520,206.476725,842.877133,020.696042,150.72853719,890.827625,663.225433,079.882642,597.697854,796.94713825,063.442832,593,296342,343.249854,952.030271,237.03123931,580.937941,394.486254,200.359770,889.119092,609.10454039,792.981752,571.997669,377.460491,447.9635120,392.88274150,140.156966,767.436988,804.1494117,968.8729156,511.74754263,177.597884,795.6449113,670.3112152,180.8460203,466.27184379,604.7732107,691.4690145,498.9983196,314.2913264,507.153344100,303.0142136,769.1656186,239.7178253,246.4358343,860.299345126,382.7979173,697.8403238,387.8388326,688.9022447,019.389046159,243.3254220,597.2572305,137.4337421,429.6838581,126.205847200,647.5900280,159.5166390,576.9151543,645.2922755,465.067548252,816.9634355,803.5861499,939.4514701,303.4269982,105.587749318,550.3739451,871.5544639,923.4978904,682.42071,276,738.264050401,374.4711573,877.8741819,103.07711,167,041.32271,659,760.7433[8]
表七（31%~35%利率）
年金终值系数表（续表六） 利率
31%32%33%34%35%11.00001.00001.00001.00001.000022.31002.32002.33002.34002.350034.02614.06244.09894.13564.172546.27426.36246.45156.54176.632959.21929.39839.58059.76599.9544613.077113.405813.742114.086314.4384718.131118.695619.277019.875620.4919824.751725.678226.638427.633328.6640933.424734.895336.429138.028739.69641044.786447.061849.450751.958454.59021159.670163.121566.769570.624374.69671279.167984.320489.803495.6365101.840613104.7099112.3030120.4385129.1529138.484814138.1700149.2399161.1833174.0649187.954415161.2024197.9967215.3737234.2470254.738516239.4235262.3557287.4471314.8910344.897017314.6448347.3095383.3046422.9539466.610918413.1847459.4485510.7951567.7583630.924719542.2719607.7207680.3575761.7961852.748320711.3762802.8631905.87551,021.80681,152.210321932.90281,060.77931,205.81441,370.22101,556.4838221,223.10271,401.22871,604.73321,837.09622,102.2532231,603.26451,850.62192,135.29512,462.70892,839.0418242,101.27652,443.82092,840.94253,301.03003,833.7064252,753.67223,226.84363,779.45364,424.38015,176.5037263,608.31064,260.43365,027.67325,929.66946,989.2800274,727.88685,624.77236,687.80547,946.75709,436.5280286,194.53187,425.69948,895.781210,649.654312,740.3128298,115.83669,802.923311,832.389014,271.536817,200.42223010,632.746012,940.858715,738.077419,124.859323,221.57003113,929.897217,082.933520,932.642925,628.311531,350.11953218,249.165322,550.472227,841.415034,342.937442,323.66133323,907.406629,707.623337,030.082046,020.536257,137.94283431,319.702739,294.262849,251.009161,668.518577,137.22283541,029.810551,869.426965,504.842082,636.8147104,136.25073653,750.051768,468.643587,122.4399110,734.3317140,584.93853770,413.567790,379.6094115,873.8451148,385.0045189,790.66703892,242.7737119,302.0844154,113.2139198,836.9061256,218.400439120,839.0336157,479.7515204,971.5745266,442.4541345,895.840640158,300.1340207,874.2719272,613.1941357,033.8885466,960.384841207,374.1756274,395.0390362,576.5482478,426.4106630,397.519542271,661.1700362,202.4514482,227.8091641,092.3902851,037.651343355,877.1327478,108.2359641,363.9861859,064.80291,148,901.829344466,200.0438631,103.8714853,015.10151,151,147.83591,551,018.469545610,723.0574833,058.11021,134,511.08501,542,539.10012,093,875.933846800,048.20521,099,637.70551,508,900.74312,067,003.39422,826,733.5107471,048,064.14881,451,522.77122,006,838.98832,769,785.54823,816,091.2394481,372,965.03491,916,011.05802,669,096.85453,711,513.63465,151,724.1732491,798,585.19572,529,135.59663,549,899.81654,973,429.27036,954,828.6337502,356,147.60643,338,459.98754,721,367.75596,664,396.22239,389,019.6555[8]
表八（36%~40%利率）
年金终值系数表（续表七） 利率
36%37%38%39%40%11.00001.00001.00001.00001.000022.36002.37002.38002.39002.400034.20964.24694.28444.32214.360046.72516.81836.91257.00777.1040510.146110.341010.539210.740710.9456614.798715.167215.544115.929616.3238721.126221.779022.450923.142123.8534829.731630.837331.982233.167634.3947941.435043.247145.135447.103049.15261057.351660.248563.286966.473169.13661178.998283.540488.335993.397798.739112108.4375115.4503122.9036130.8227139.234813148.7498159.1670170.6070182.8436195.928714202.9260219.0588236.4376255.1526275.300215276.9793301.1106327.2839355.6621386.420216377.6919413.5215452.6518495.3704541.988317514.6610567.5245625.6595689.5648759.783718700.9389778.5085864.4101959.49511,064.697119954.27691,067.55671,193.88591,334.69821,491.5760201,298.81661,463.55271,648.56251,856.23052,089.2064211,767.39062,006.06722,276.01622,581.16042,925.8889222,404.65122,749.31203,141.90253,588.81294,097.2445233,271.32563,767.55754,336.82544,989.44995,737.1423244,450.00295,162.55375,985.81916,936.33548,032.9993256,053.00397,073.69868,261.43049,642.506211,247.1990268,233.08539,691.967111,401.773913,756.822716,575.87212711,197.996013,278.994915,735.448019,123.009923,207.27362815,230.274518,193.223021,715.918226,582.010132,491.23572920,714.173424,925.716029,968.967136,950.020345,488.78263028,172.275834,149.230441,358.174651,361.554563,685.34833138,315.295146,785.445657,075.281069,562.982384,702.51323252,109.801364,097.060578,764.887896,693.5454118,584.51853370,870.329887,813.9728108,696.5451134,405.0282166,019.32603496,384.6485120,306.1428150,002.2322186,823.9891232,428.056335131,084.1219164,820.4156207,004.0805259,686.3449325,400.278936178,275.4058225,804.9694285,666.6311360,965.0194455,561.390437242,455.5519309,353.8081394 220.9509501,742.3770637,786.946638329,740.5506423,815.7171544,025.9122697,422.9040892,902.725239448,448.1488580,628.5324750 756.7589969,418.83661,250,064.815340609,890.4824795,462.08941,036,045.32721,347,493.18291,750,091.741441829,452.05601,089,784.06241,429,743.55161,873,016.52432,450,129.4381421,128,055.79621,493,005.16561,973,047.10122,603,493.96873,430,182.2133431,534,156.88282,045,418.07682,722,805.99963,618,857.61654,802,256.0986442,086,454.36062,802,223.76533,757,473.27955,030,213.08706,723,159.5381452,837,578.93043,839,047.55845,185,314.12576,991,997.19099,412,424.3532463,859,108.34535,259,496.15517,155,734.49359,718,877.095313,177,395.0946475,248,388.34967,205,510.73249,874,914.601013,509,240.162518,448,354.1324487,137,809.15559,871,550.703413,627,383.149418,777,844.825825,827,696.7854499,707,421.451513,524,025.463718,805,789.746226,101,205.308036,158,776.49965013,202,094.174018,527,915.885325,951,990.849836,280,676.378150,622,288.0994[10]
表九（41%~45%利率）
年金终值系数表（续表八） 利率
41%42%43%44%45%11.00001.00001.00001.00001.000022.41002.42002.43002.44002.450034.39814.43644.47494.51364.552547.20137.29977.39917.49967.6011511.153911.365611.580711.799412.0216616.726917.139117.560417.991118.4314724.585025.337526.111426.907227.7255835.664836.979338.339339.746441.2019951.287453.510655.825258.234860.74281073.315376.985080.830184.858289.077111104.3745110.3187116.5870123.1958130.161812148.1681157.6525167.7195178.4019189.734613209.9170224.8666240.8388257.8988276.115114296.9830320.3106345.3995372.3742401.367015419.7460455.8410494.9213537.2189582.982116592.8419648.2942708.7375774.5952846.324017836.9070921.57781,014.49471,116.41711 228.1699181,181.03891,309.64041,451.72741,608.64061,781.8463191,666.26491,860.68942,076.97012,317.44252,584.6771202,350.43342,643.17892,971.06733,338.11723,748.7818213,315.11123,754.31414,249.62624,807.88885,436.7336224,675.30685,332.12606,077.96556,924.35987,884.2638236,593.18267,572.61898,692.49069,972.078111,433.1824249,297.387510,754.118912,431.261614,360.792516,579.11452513,110.316415,271.848817,777.704120,680.541224,040.71612618,486.546121,687.025325,423.116829,780.979434,860.03832726,067.030030,796.575936,356.057142,885.610350,548.05562836,755.512243,732.137851,990.161661,756.278973,295.68062951,826.272362,100.635774,346.931188,930.0416106,279.73683073,076.043888,183.9027106,317.1115128,060.2599154,106.618431103,038.2218125,222.1419152,034.4694184,407.7742223,455.596732145,284.8929177,816.4415217,410.2912265,548.1949324,011.615233204,852.6989252,500.3469310,897.7165382,390.4007469,817.842134288,843.3055358,551.4925444,584.7345550,643.1770681,236.871035407,270.0607509,144.1195635,757.1704792,927.1748987,794.463036574,251.7856722,985.6496909,133.75361,141,816.13181,432,302.971337809,696.01771,026,640.62251,300,062.26771,644,216.22982,076,840.3084381,141,672.38501,457,830.68391,859,090.04282,367,672.37093,011,419.4472391,609,759.06282,070,120.57112,658,499.76133,409,449.21404,366,559.1985402,269,761.27862,939,572.21103,801,655.65864,909,607.86826,331,511.8378413,200,364.40284,174,193.53965,436,368.59187,069,836.33029,180,693.1648424,512,514.80805,927,355.82637,774,008.086310,180,565.315513,312,006.0890436,362,646.87938,416,846.273311,116,832.563414,660,015.054319,302,409.8290448,971,333.099711,951,922.708115,897,071.565621,110,422.678227,988,495.25214512,649,580.670616,971,731.245522,732,813.338830,399,009.656640,583,319.11554617,835,909.745624,099,859.368632,507,924.074543,774,574.905658,845,813.71754725,148,633.741334,221,801.303446,486,332.426663,035,388.864185,326,430.89044835,459,574.575248,594,958.850866,475,456.370090,770,960.9643123,723,325.79104949,998,001.151169,004,842.568195,059,903.6091130,710,184.7885179,398,823.39705070,497,182.623097,986,877.4468135,935,663.1610188,222,667.0955260,128,294.9257[10]
表十（46%~50%利率）
年金终值系数表（续表九） 利率
46%47%48%49%50%11.00001.00001.00001.00001.000022.46002.47002.48002.49002.500034.59164.63094.67044.71014.750047.70377.80747.91228.01808.1250512.247512.476912.710012.946913.1875618.881319.341119.810920.290920.7813728.566729.431430.320131.233432.1719842.707344.264145.873747.537849.2578963.352766.068268.893171.831374.88671093.495098.1203102.9618108.0286113.330111137.5027145.2368153.3835161.9626170.995112201.7539214.4981228.0075242.3243257.492713295.5607316.3122338.4511362.0631387.239014432.5186465.9790501.9077540.4741581.858515632.4771685.9891743.8233806.3064873.787816924.41661,009.40401,101.85851,202.39651,311.6817171 350.64831,484.82391,631.75061,792.57081,968.5225181,972.94652,183.69122,415.99102,671.93052,953.7838192,881.50193,211.02613,576.66663,982.17654,431.6756204,207.99274,721.20835,294.46665,934.44306,648.5135216,144.66946,941.17627,836.81068,843.32019,973.7702228,972.217310,204.529011,599.479613,177.546914,961.65532313,100.437215 001.657717,168.229919,635.544922,443.48292419,127.638322,053.436825,409.980229,257.961933,666.22442527,927.351932,419.552037,607.770743,595.363250,500.33662640,774.933847,657.741455,660.500664,958.091275,751.50492759,532.403470,057.880082,378.540996,788.5559113,628.25732886,918.3090102,986.0836121,921.2405144,215.9482170,443.386029126,901.7311151,390.5428180,444.4359214,882.7628255,666.079030185,277.5273222,545.0980267,058.7652320,176.3167383,500.118531270,506.1900327,142.2940395,247.9724477,063.7118575,251.177732394,940.0373480,900.1722584,967.9992710,825.9306862,877.766533576,613.4545706,924.2531865,753.63881,059,131.63661,294,317.649834841,856.64361,039,179.65201,281,316.38541,578,107.13851,941,477.4747351,229,111.69961,527,595.08841,896,349.25042,351,380.63642,912,217.2121361,794,504.08152,245,565.78012,806,597.89063,503,558.14834,368,326.8181372,619,976.95893,300,982.69674,153,765.87815,220,302.64096,552,491.2272383,825,167.36014,852,445.56416,147,574.49967,778,251.93499,828,737.8408395,584,745.34577,133,095.97929,098,411.259411,589,596.383114,743,107.7613408,153,729.204710,485,652.089513,465,649.663917,268,499.610822,114,662.64194111,904,445.638915,413,909.571619,929,162.502625,730,065.420033,171,994.96284217,380,491.632822,658,448.070229,495,161.503938,337,798.475849,757,993.44424325,375,518.783833,307,919.663143,652,840.025757,123,320.729074,636,991.16634437,048,258.424448,962,642.904864,606,204.238185,113,748.8862111,955,487.74954554,090,458.299671,975,086.070295,617,183.2724126,819,486.8405167,933,232.62434678,972,070.1174105,803,377.5231141,513,432.2431188,961,036.3923251,899,849.936447115,299,223.3714155,530,965.9590209,439,880.7198281,551,945.2245377,849,775.904648168,336,867.1223228,630,520.9598309,971,024.4653419,512,399.3845566,774,664.856949245,771,826.9985336,086,866.8109458,757,117.2087625,073,476.0830850,161,998.285450358,826,868.4178494,047,695.2120678,960,534.4689931,359,480.36361,275,242,998.4281[10]
王庆成、李相国等．《财务管理学》（2006年版）．北京市海淀区阜成路甲28号：中国财政经济出版社，2006年6月第1版，2006年12月北京第12次印刷：P48
宋效中、陈晶璞、李小青、王明贤、李胜芬．《公司理财》（2005年版）．北京市百万庄大街22号：机械工业出版社，2009年1月第1版第4次印刷：P30
王庆成、李相国等．《财务管理学》（2006年版）．北京市海淀区阜成路甲28号：中国财政经济出版社，2006年6月第1版，2006年12月北京第12次印刷：P580
宋效中、陈晶璞、李小青、王明贤、李胜芬等．《公司理财》．北京市百万庄大街22号：机械工业出版社，2009年1月第1版第4次印刷：P331
王庆成、李相国等．《财务管理学》（2006年版）．北京市海淀区阜成路甲28号：中国财政经济出版社，2006年6月第1版，2006年12月北京第12次印刷：P580-581
王庆成、李相国等．《财务管理学》（2006年版）．北京市海淀区阜成路甲28号：中国财政经济出版社，2006年6月第1版，2006年12月北京第12次印刷：P581
宋效中、陈晶璞、李小青、王明贤、李胜芬等．《公司理财》．北京市百万庄大街22号：机械工业出版社，2009年1月第1版第4次：P332
王庆成、李相国等．《财务管理学》（2006年版）．北京市海淀区阜成路甲28号：中国财政经济出版社，2006年6月第1版，2006年12月北京第12次印刷：P582
宋效中、陈晶璞、李小青、王明贤、李胜芬等．《公司理财》．北京市百万庄大街22号：机械工业出版社，2009年1月第1版第4次印刷：P333
王庆成、李相国等．《财务管理学》（2006年版）．北京市海淀区阜成路甲28号：中国财政经济出版社，2006年6月第1版，2006年12月北京第12次印刷：P583
