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【速搜问答】年化利率是什么

问答 admin 9个月前 (03-13) 164次浏览 已收录 0个评论

汉英对照:
Chinese-English Translation:

年化利率是指通过产品的固有收益率折现到全年的利率。是指一定期限内利息额与存款本金或贷款本金的比率,然后换算成一年的收益率。年化利率按本金的百分之几表示。

Annualized interest rate refers to the interest rate discounted to the whole year through the inherent rate of return of the product. It refers to the ratio of interest amount to deposit principal or loan principal within a certain period, and then converted into one-year yield. The annualized interest rate is expressed as a percentage of the principal.

年化利率是指通过产品的固有收益率折现到全年的利率。是指一定期限内利息额与存款本金或贷款本金的比率,然后换算成一年的收益率。年化利率按本金的百分之几表示,月预期年化利率按千分之几表示,日预期年化利率按万分之几表示。

Annualized interest rate refers to the interest rate discounted to the whole year through the inherent rate of return of the product. It refers to the ratio of interest amount to deposit principal or loan principal within a certain period, and then converted into one-year yield. The annualized interest rate is expressed as the percentage of the principal, the monthly expected annualized interest rate is expressed as the thousandth, and the daily expected annualized interest rate is expressed as the thousandth.

假设某金融产品收益期为 a 年,收益率为 b,那么年化利率 r,r=(1+b)^a-1。年利率:年利息÷本金×100%,例如:存入银行 100 万,一年利息 2 万,年利率是,2÷100×100%=2%。年化利率主要是用在存款和贷款上。

Suppose that the yield period of a financial product is a year and the yield is B, then the annualized interest rate R, r = (1 + b) ^ A-1. Annual interest rate: annual interest △ principal × 100%, for example: deposit 1 million in the bank, annual interest 20000, annual interest rate is, 2 △ 100 × 100% = 2%. Annualized interest rates are mainly used for deposits and loans.

以年为计息周期计算的利息。年利率以本金的百分之几表示。例如:存款 100 元,银行答应付年利率 4.2%,那么未来一年银行就得支付 4.2 元利息。

Interest calculated on an annual basis. The annual interest rate is expressed as a percentage of the principal. For example: deposit 100 yuan, the bank promised to pay 4.2% annual interest rate, then the next year the bank will have to pay 4.2 yuan interest.

计算公式是 100×4.2%=4.2 元,公式为:利率=利息÷本金÷时间×100%。利息=本金×利率×时间=100×4.2%=4.2 元,最后取款 100+4.2=104.2 元。

The calculation formula is 100 × 4.2% = 4.2 yuan, and the formula is: interest rate = interest / Principal / time × 100%. Interest = principal × interest rate × time = 100 × 4.2% = 4.2 yuan, and the final withdrawal is 100 + 4.2 = 104.2 yuan.

年化利率是通过产品固有收益率折现到全年的利率,也就是把一个产品日利率或月利率转化为年利率。年化利率是一种理论收益率,并不是实际的收益率。如果设某产品收益期为 X 年,收益率为 Y,那么年化利率即为(1+Y)的 X 次方-1。

Annualized interest rate is the interest rate discounted to the whole year through the inherent rate of return of a product, that is, the daily interest rate or monthly interest rate of a product is converted into annual interest rate. Annualized interest rate is a theoretical rate of return, not an actual rate of return. If the yield period of a product is x years and the yield is y, then the annualized interest rate is X-1 of (1 + y).


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