21年春东财《利息理论》综合作业100分

答案来历：熊猫奥鹏（www.188open.com）利息理论-[东北财经大学]东财《利息理论》归纳作业
试卷总分:100 得分:100
第1题,现年50岁的或人期望在60岁退休时每年头从银行收取10000元的资金，共收取15年。他方案从如今开端，每年头向银行存款R元，共存款10年。假定银行的年利率为3%且坚持不变。依据以上信息，R=（ ）元。
A、10414
B、10514
C、10614
D、10714
正确答案:


第2题,某债券的面值为100元，年票息率为4%，期限为5年，到期换回值为110元。假如年收益率为3%，不思考任何税负，那么该债券的报价为（ ）元。
A、113.21
B、114.21
C、115.21
D、116.21
正确答案:


第3题,资本预算的方法包含（ ）。
A、收益率法和净现值法
B、将来法和曩昔法
C、复利法和单利法
D、偿债基金法和分期归还法
正确答案:


第4题,有一项3年期、每年底付款100元的年金，第1笔付款的对应年利率为2%，第2笔付款的对应年利率为3%，第3笔付款的对应年利率为4%。该年金的现值为（ ）元。
A、281
B、271
C、261
D、251
正确答案:


答案来历：熊猫奥鹏（www.188open.com）,或人在将来20年内以等额本息法来归还一笔金额为100万元的借款，借款年利率为4%。第10笔归还额中的本金有些数额为（ ）元。
A、47997
B、47897
C、47797
D、47697
正确答案:


第6题,或人在将来20年内以等额本金法来归还一笔金额为100万元的借款，借款年利率为4%。该人在整个归还期内付出的总利息为（ ）万元。
A、38
B、40
C、42
D、44
正确答案:


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A、pspan lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-fareast-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"emC/em/spanspan lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-fareast-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"(1i style="mso-bidi-font-style: normal"+i/i)sup-i style="mso-bidi-font-style: normal"n/i/sup/span/p
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正确答案:


第8题,假如年实践利率为6%，则月实践利率为（ ）。
A、0.487%
B、0.497%
C、0.507%
D、0.517%
正确答案:


第9题,某基金在年头有款100万元，年底有款110万元；3月1日投入10万元，7月1日抽走15万元，12月1日投入5万元。该基金的出资额加权收益率为（ ）。
A、9.86%
B、9.87%
C、9.88%
D、9.89%
正确答案:


答案来历：熊猫奥鹏（www.188open.com）,有一项10年期的期末付年金，每季度付款1000元，每年计息4次的名义利率为6%。该年金的现值为（ ）元。
A、29918.85
B、29917.85
C、29916.85
D、29915.85
正确答案:


第11题,某公司的普通股在本年有每股盈利10元，该年底将付出5元股利，预期每年股利增加率为4%。在年收益率5%下，该股市的理论报价为（ ）元。
A、100
B、400
C、500
D、1000
正确答案:


答案来历：熊猫奥鹏（www.188open.com）,某告贷人取得10000元借款，借款年利率为10%。该告贷人以年利率8%堆集偿债基金以归还该借款。第10年末的偿债基金余额为5000元，第11年该告贷人付出的金额为1500元。所以，第11年末还款的利息有些为（ ）元。
A、500
B、600
C、800
D、1000
正确答案:


第13题,以年利率4%在第1年头和第2年头别离出资100万元，并将每年的利息以年利率2%进行再出资，那么，在第2年底，这项出资的堆集值为（ ）万元。
A、208.00
B、208.08
C、212.00
D、212.08
正确答案:


第14题,假如年实践贴现率为6%，则年实践利率为（ ）。
A、6/94
B、6/106
C、4/94
D、4/106
正确答案:


答案来历：熊猫奥鹏（www.188open.com）,在银行家规律下，出资期年数 = （ ）/ 360。
A、基础天数
B、出资期实践天数
C、每月按30天计算的出资期天数
D、365
正确答案:


第16题,在严厉单利法下，出资期年数 = 出资期天数 / （ ）。
A、基础天数
B、365
C、360
D、12
正确答案:


第17题,有一项3年期、每年底付款100元的年金，第1年的利率为2%，第2年的利率为3%，第3年的利率为4%。该年的现值为（ ）元。
A、265
B、275
C、285
D、295
正确答案:


第18题,能够用一些"率"来衡量出资的利息，这些"率"是（ ）。
A、利率
B、贴现率
C、名义利率
D、名义贴现率
正确答案:,B,C,D


第19题,等额分期归还法能够分为（ ）。
A、价值等式法
B、等额本息法
C、等额本金法
D、收益率法
正确答案:,C


答案来历：熊猫奥鹏（www.188open.com）,债款归还的方法一般包含（ ）。
A、满期归还法
B、分期归还法
C、偿债基金法
D、净现值法
正确答案:,B,C


第21题,pspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"一项年金在第/spanspan lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"1~10/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"年底别离付款/spanspan lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"1/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; 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font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"1/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"年头的现值为span style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"img width="103" height="21" alt="" src="http://exercises.edufe.com.cn/TKGL/userfiles/image/QQ截图20140905103241.png" //span/spanspan lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"span style="position: relative; 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T、对
F、错
正确答案:


第22题,因为利息理论研讨根据"货币的时刻价值"，所以不一样时点的两笔或多笔资金不能直接对比。只要将这两笔或多笔资金换算到同一时点，才干进行对比。
T、对
F、错
答案联系QQ:3326650399 微信：cs80188 熊猫奥鹏（www.188open.com）


第23题,在等额偿债基金法下，每期的净本金开销出现一个等比数列。
T、对
F、错
答案联系QQ:3326650399 微信：cs80188 熊猫奥鹏（www.188open.com）


第24题,pspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"有一项年金，在前/spanspan lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"10/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"年的每年底付款/spanspan lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"2/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"，在后/spanspan lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"10/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"年的每年底付款/spanspan lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"1/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"，则该年金在第/spanspan lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"1/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"年头的现值为img width="56" height="18" alt="" src="http://exercises.edufe.com.cn/TKGL/userfiles/image/QQ截图20140905091448.png" /。/span/p
T、对
F、错
正确答案:


答案来历：熊猫奥鹏（www.188open.com）,等额本息法和等额本金法的差异在于：前者的每期归还额均持平，然后者的每期归还额的本金有些均持平。
T、对
F、错
答案联系QQ:3326650399 微信：cs80188 熊猫奥鹏（www.188open.com）


第26题,或人正在对两项备选的出资计划进行资本预算，以断定其间哪个计划更优。他发现，A计划的收益率为4%，B计划的收益率为6%，而其设定的最低可承受收益率为5%。依据收益率法，他将扔掉B计划。
T、对
F、错
正确答案:


第27题,实践利率和复利率在实质上是共同的。
T、对
F、错
答案联系QQ:3326650399 微信：cs80188 熊猫奥鹏（www.188open.com）


第28题,pimg width="120" height="23" alt="" src="http://exercises.edufe.com.cn/TKGL/userfiles/image/QQ截图20140905100647.png"/。/p
T、对
F、错
正确答案:


第29题,假如告贷人以总利息开销起码为准则挑选偿债方法，那么他大概挑选等额本息法而非等额本金法。
T、对
F、错
正确答案:


答案来历：熊猫奥鹏（www.188open.com）,pspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"金融函数与堆集函数的关系式为：img width="100" height="17" alt="" src="http://exercises.edufe.com.cn/TKGL/userfiles/image/QQ截图20140904135949(1).png" /。/span/p
T、对
F、错
正确答案:


第31题,关于一项出资的一切时点，假如未动用出资余额均为正，则收益率必定仅有。
T、对
F、错
正确答案:


第32题,或人正在对两项备选的出资计划进行资本预算，以断定其间哪个计划更优。他将最低可承受收益率设定为5%。他将5%带入这两个计划的净现值公式，通过计算发现，A计划的净现值为45000元，B计划的净现值为56000元。依据净现值法，他将以为B计划更优，然后会将更多的资金投入B计划，而将较少的资金投入计划A。
T、对
F、错
答案联系QQ:3326650399 微信：cs80188 熊猫奥鹏（www.188open.com）


第33题,利息（Interest），是指在必定时期内，资金具有人将运用资金的自在权转让给告贷人后所得到的酬劳。
T、对
F、错
答案联系QQ:3326650399 微信：cs80188 熊猫奥鹏（www.188open.com）


第34题,pspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"或人在将来/spani style="mso-bidi-font-style: normal"span lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"n/span/ispan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"年内以等额本息法来归还一笔金额为/spani style="mso-bidi-font-style: normal"span lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"L/span/ispan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"的借款，借款利率为/spani style="mso-bidi-font-style: normal"span lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"i/span/ispan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"，每年底还款额为/spani style="mso-bidi-font-style: normal"span lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"R/span/ispan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"。若/spani style="mso-bidi-font-style: normal"span lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"B/span/isubspan lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"10/span/subspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"为第/spanspan lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"10/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"年底（恰在第/spanspan lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"10/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"次还款之后）的借款余额，则：img width="107" height="22" alt="" src="http://exercises.edufe.com.cn/TKGL/userfiles/image/QQ截图20140905110327(1).png" /。/span/p
T、对
F、错
正确答案:


第35题,假如一切现金流在某时点之前朝向一个方向而在该时点之后朝向另一个方向，那么收益率必定仅有。
T、对
F、错
答案联系QQ:3326650399 微信：cs80188 熊猫奥鹏（www.188open.com）


第36题,等额本息法分期归还表中，每期的本金有些构成一个等比数列。
T、对
F、错
正确答案:


第37题,pspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-font-kerning: 1.0pt"一项年金在将来/spanspan lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt"10/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-font-kerning: 1.0pt"年内每年头别离付款/spanspan lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt"1/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-font-kerning: 1.0pt"。该年金在第/spanspan lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt"5/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-font-kerning: 1.0pt"年头的价值为/spanspan lang="EN-US" style="font-family: \'Times New Roman\',\'serif\'; font-size: 10pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体"span style="position: relative; top: 8pt; mso-text-raise: -8.0pt"v:shapetype id="_x0000_t75" stroked="f" filled="f" path="m@4@5l@4@11@9@11@9@5xe" o:preferrelative="t" o:spt="75" coordsize="21600,21600"img width="43" height="16" alt="" src="http://exercises.edufe.com.cn/TKGL/userfiles/image/QQ截图20140905100942.png" / v:stroke joinstyle="miter"/v:strokev:formulasv:f eqn="if lineDrawn pixelLineWidth 0"/v:fv:f eqn="sum @0 1 0"/v:fv:f eqn="sum 0 0 @1"/v:fv:f eqn="prod @2 1 2"/v:fv:f eqn="prod @3 21600 pixelWidth"/v:fv:f eqn="prod @3 21600 pixelHeight"/v:fv:f eqn="sum @0 0 1"/v:fv:f eqn="prod @6 1 2"/v:fv:f eqn="prod @7 21600 pixelWidth"/v:fv:f eqn="sum @8 21600 0"/v:fv:f eqn="prod @7 21600 pixelHeight"/v:fv:f eqn="sum @10 21600 0"/v:f/v:formulasv:path o:connecttype="rect" gradientshapeok="t" o:extrusionok="f"/v:patho:lock aspectratio="t" v:ext="edit"/o:lock/v:shapetype/span/spanspan style="font-family: 宋体; font-size: 10pt; mso-ascii-font-family: \'Times New Roman\'; mso-hansi-font-family: \'Times New Roman\'; mso-bidi-font-family: \'Times New Roman\'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-font-kerning: 1.0pt"。/span/p
T、对
F、错
正确答案:


第38题,关于债券而言，票息额中一有些体现为利息收入，另一有些体现为本金调整；从债券的采购日开端，直至换回日，债券的价值通过逐年的本金调整，才由报价向下（溢价采购时）或向上（折价采购时）调整到换回值。债券在调整过程中的价值称为该债券的账面值。
T、对
F、错
答案联系QQ:3326650399 微信：cs80188 熊猫奥鹏（www.188open.com）


第39题,虽然按等额本息法归还债款会付出高于等额本金法的总利息，可是等额本息法仍是实务中常被选用的方法，缘由之一在于每期归还额一样，便于还贷者方案开销。
T、对
F、错
正确答案:


第40题,偿债基金法是指告贷人每期向借款人付出借款利息，一起另存一笔资金到一项基金（称为偿债基金），在借款期满时堆集为借款本金，以便一次性归还给借款人。
T、对
F、错
答案联系QQ:3326650399 微信：cs80188 熊猫奥鹏（www.188open.com）