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单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,*,单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,*,单击此处编辑母版标题样式,*,*,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,*,财务计算器操作指南,(德州仪器,BA PLUS,学生版),2,财务计算器功能键简介及使用方法,1,、,ON|OFF,:,开,/,关,CPT,:,计算,ENTER/SET,:,确认,/,设定,、:,上下选择,:,删除,CE|C,:,清除,2,、,N,:,付款期数,I/Y,:,年利率(默认,%,),PV,:,现值,PMT,:,年金,FV,:,终值,+|-,:,正负号,(介绍赋值方式),3,3,、,2ND,:,第二功能键,RESET,:,复位,2ND,,,RESET,,,ENTER,,,CE|C,FORMAT,:,小数点后位数,2ND,,,FORMAT,,“,DEC=,?”,数字,,ENTER,,,CE|C,P/Y,:,年付款次数,2ND,,,P/Y,,“,P/Y=,?”,数字,,ENTER,,,CE|C,(默认,P/Y=C/Y,),C/Y,:,年复利计息次数,2ND,,,P/Y,,“,C/Y=,?”,数字,,ENTER,,,CE|C,BGN,:,期初付款,2ND,,,BGN,,,2ND,,,ENTER,,,CE|C,(显示),END,:,期末付款,2ND,,,BGN,,,2ND,,,ENTER,,,CE|C,(默认,不显示,),4,4,、,AMORT,、,P1,、,P2,:,偿还贷款起、止期数,2ND,,,AMORT,,“,P1=,?”,数字,,ENTER,,“,P2=,?”,数字,,ENTER,BAL,:,还款,P1,P2,期后的未还贷款本金,接上步骤,按,PRN,:,P1,P2,期的已还贷款本金,接上步骤按,INT,:,P1,P2,期的已还贷款利息,接上步骤按,5,、,CF0,:,初始现金流,CF,,“,CF0=,?”,数字,,ENTER,C01,、,C02,:,第,n,笔现金流,接上步骤按,“,C01=,?”,数字,,ENTER,F01,、,F02,:,第,n,笔现金流出现频次,接上步骤按,“,F01=,?”,数字,,ENTER,(,C01,、,F01,、,C02,、,F02,交替赋值),NPV,:,财务净现值,接上步骤按,NPV,,“,I=,?”,数字,,ENTER,,,CPT,IRR,:,内部报酬率,接上步骤按,IRR,,,CPT,5,6,一、已知现值求终值,FV,PV,(,1,I/Y,),n,操 作,按 键,显 示,将所有变量设为默认值,2nd,,,RESET,,,ENTER,RST 0.00,输入付款期数,5,,,N,N=5,输入利率,10,,,I,Y,I,Y=10,输入期初余额(现值),2,,,PV,PV=,2,计算终值,CPT,,,FV,FV=32210,7,二、已知终值求现值,PV,FV,(,1,I/Y,),n,操 作,按 键,显 示,将所有变量设为默认值,2nd,,,RESET,,,ENTER,RST 0.00,输入付款期数,5,,,N,N=5.00,输入利率,8,,,I,Y,I,Y=8.00,输入期末余额(终值),50000,,,FV,FV=50000,计算现值,CPT,,,PV,PV=,34029.16,8,三、已知年金求终值,操 作,按 键,显 示,将所有变量设为默认值,2nd,,,RESET,,,ENTER,RST 0.00,将年付款方式设为,12,次,2nd,,,P,Y,,,12,,,ENTER,P,Y=12.00,将付款方式设置为期初付款,2nd,,,BGN,,,2nd,,,SET,BGN,返回计算器标准模式,2nd,,,QUIT,0.00,使用付款乘子输入总的,付款次数,20,,,2nd,,,xP,Y,,,N,N=240.00,输入利率,7.5,,,I,Y,I,Y=7.5,输入每期付款项,200,,,PMT,PMT=,200.00,计算终值,CPT,,,FV,FV=111438.31,9,四、已知终值求年金,操 作,按 键,显 示,将所有变量设为默认值,2nd,,,RESET,,,ENTER,RST 0.00,将每年付款次数设为,12,次,2nd,,,P,Y,,,12,,,ENTER,P,Y=12.00,将年复利次数设为,4,4,,,ENTER,C,Y=4.00,将付款方式设置为期初付款,2nd,,,BGN,,,2nd,,,SET,BGN,返回计算器标准模式,2nd,,,QUIT,0.00,使用付款乘子计算总存款次数,10,,,2nd,,,xP,Y,,,N,N=120.00,输入利率,5,,,I,Y,I,Y=5,输入终值,25000,,,FV,FV=25000.00,计算存款额,CPT,,,PMT,PMT=,160.51,10,五、已知年金求现值,操 作,按 键,显 示,将所有变量设为默认值,2nd,,,RESET,,,ENTER,RST 0.00,输入付款期数,10,,,N,N=10.00,输入每期付款利率,10,,,I,Y,I,Y=10,输入付款额,50000,,,PMT,PMT=,50000.00,计算现值,CPT,,,PV,PV=307228.36,11,六、已知现值求年金,操 作,按 键,显 示,将所有变量设为默认值,2nd,,,RESET,,,ENTER,RST 0.00,将年付款次数设为,12,次,2nd,,,P,Y,,,12,,,ENTER,P,Y=12.00,返回计算器标准模式,2nd,,,QUIT,0.00,使用付款乘子输入付款期数,10,,,2nd,,,xP,Y,,,N,N=120.00,输入贷款现值,100000,,,PV,PV=100000.00,输入年利率,4.5,,,I,Y,I,Y=4.5,计算公积金贷款每月还款额,CPT,,,PMT,PMT=,1036.38,12,七、提前还款,操 作,按 键,显 示,将所有变量设为默认值,2nd,,,RESET,,,ENTER,RST 0.00,将年付款次数设为,12,次,2nd,,,P,Y,,,12,,,ENTER,P,Y=12.00,返回计算器标准模式,2nd,,,QUIT,0.00,输入贷款现值,579196.68,,,PV,PV=579196.68,输入年利率,6,,,I,Y,I,Y=6,输入每月还款额,5731.45,,,PMT,PMT=,5731.45,计算还款期,CPT,,,N,N=141.10,13,八、年金的终值、现值计算举例,【案例6】,赵女士今年30岁,计划为自己设立一个风险保障账户,从今年开始,每年年末往账户里存入2万元钱,设年利率为6%,计算到赵女士60岁时,这笔风险保障金为多少?,(158万元),操 作,按 键,显 示,将所有变量设为默认值,2nd,,+/-,,ENTER,RST0.00,输入期数,30,,N,N=,30,.00,输入每期付款项,2,0000,,+/-,PMT,PMT=-20000.00,输入利率,6,,I,Y,I,Y=,6,.00,计算终值,CPT,,F,V,F,V=,1581163.72,14,【案例7】,某公司需一项设备,买价2000元,可用10年;若租,每年初需付租金200元。假设其他条件一致,7%的利率,该公司是租还是买?,(1,503.052000,租合算),操 作,按 键,显 示,将所有变量设为默认值,2nd,,+/-,,ENTER,RST0.00,将付款方式设置为期初付款,2nd,,,P,MT,,2nd,,SET,BGN,返回计算器标准模式,2nd,,CP,T,0.00,输入期数,10,,,N,N=10.00,输入每期付款项,2,00,+/-,PMT,P,MT,=,-2,00.00,输入利率,7,,I,Y,I,Y=,7.00,计算现值,CPT,,,P,V,P,V,=,1503.05,15,【案例8】,某保险公司推出退休基金计划后,小王决定月投入200元。利率为7.5%,按月复利计息,每月初付款,20年后他的账户余额为多少?,(111438.31元),操 作,按 键,显 示,将所有变量设为默认值,2nd,,+/-,,ENTER,RST 0.00,将每年付款次数设为,12,次,2nd,,,P,Y,,,12,,,ENTER,P,Y=12.00,将付款方式设置为期初付款,2nd,,PMT,,2nd,,,SET,BGN,返回计算器标准模式,2nd,,CP,T,0.00,使用付款乘子输入总付款次数,2,0,,,2nd,,N,,N,N,=,240,.00,输入利率,7.,5,,,I,Y,I,Y=,7.,5,输入每期付款项,2,00,+/-,,PMT,PMT=,200.00,计算终值,CPT,,,FV,FV=,111438.31,16,【案例9】,李先生计划开立一个存款账户,每月月初存入一笔钱,10年后拥有25000元。年利率为5%,按季复利计息,则李先生每月应存入多少钱?,(160.51元/月),【提示】因计算器默认P/Y=C/Y,故此处需对P/Y和C/Y分别赋值。,操 作,按 键,显 示,将所有变量设为默认值,2nd,,+/-,,ENTER,RST 0.00,将每年付款次数设为,12,次,2nd,,,P,Y,,,12,,,ENTER,P,Y=12.00,将年复利次数设为,4,4,,,ENTER,C,Y=4.00,将付款方式设置为期初付款,2nd,,PMT,,2nd,,,SET,BGN,返回计算器标准模式,2nd,,CP,T,0.00,使用付款乘子计算总存款次数,10,,,2nd,,N,,N,N=120.00,输入年利率,5,,,I,Y,I,Y=5,输入终值,25000,,,FV,FV=25000.00,计算存款额,CPT,,,PMT,PMT=,160.51,17,【案例10】,甲银行向某客户发放了一笔抵押贷款,贷款额为75000元,贷款期限为30年,按月还款,月还款额为500元,求银行向客户发放的该笔贷款的年利率是多少?,(7.02%),操 作,按 键,显 示,将所有变量设为默认值,2nd,,+/-,,ENTER,RST 0.00,将每年付款次数设为,12,次,2nd,,,P,Y,,,12,,,ENTER,P,Y=12.00,返回计算器标准模式,2nd,,CP,T,0.00,使用付款乘子输入总付款次数,3,0,,,2nd,,N,,N,N=,36,0.00,输入贷款金额,75000,PV,PV,=,75000.00,输入付款金额,5,00,+/-,PMT,PMT=,5,00.00,计算年利率,CPT,,,I,Y,I,Y,=7.02,18,【案例11】,某客户以房产作为抵押,向银行贷款75000元,贷款期限为30年,年利率10%。按月还款,求每月还款额?,(658.18元/月),操 作,按 键,显 示,将所有变量设为默认值,2nd,,+/-,,ENTER,RST 0.00,将每年付款次数设为,12,次,2nd,,,P,Y,,,12,,,ENTER,P,Y=12.00,返回计算器标准模式,2nd,,CP,T,0.00,使用付款乘子输入总付款次数,3,0,,,2nd,,N,,N,N=,36,0.00,输入年利率,10,,I,Y,I,Y=,10.00,输入贷款金额,75,00,0,,+/-,,PV,PV,=,750,00.00,计算每期付款额,CPT,,,PMT,PMT,=-658.18,19,【案例12】,接,【案例6】,,求每季付款额?,(1977.13元),【注意】计算器会自动将年复利次数(C/Y)与年付款次数(P/Y)设为一致。,操 作,按 键,显 示,将每年付款次数设为4次,2nd,PY,,4,,ENTER,PY=,4,.00,返回计算器标准模式,2nd,CPT,0.00,使用付款乘子输入期数,30,2
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