CN110337683A

CN110337683A - Investment valence composes photoelectric digital cash string ball and cash string valence composes calculation method

Info

Publication number: CN110337683A
Application number: CN201780081555.5A
Authority: CN
Inventors: 李晨冈; 李安南; 樊学林
Original assignee: Individual
Current assignee: Individual
Priority date: 2017-08-06
Filing date: 2017-08-06
Publication date: 2019-10-15
Also published as: WO2019028576A1

Abstract

The present invention provides a kind of investment valence spectrum photoelectric digital cash string balls and cash string valence to compose calculation method, and investment valence is composed real capital, real interest and devaluation separate computations and arrangement as spectrum.Cash string ball includes: pedestal；Control module is arranged in pedestal；Power supply is electrically connected with control module, and is arranged in pedestal；Input keyboard is electrically connected with control module, and is arranged in susceptor surface；Show sphere, the not instead of physical space size that cash string ball is shown, cash string size, for cash string just as Mitsubishi's mirror reflects spectrum, cash string shows a kind of investment valence spectrum.Using the above scheme, can be by display sphere the real capital information, real interest information of strict differences and devaluing that information is vivid shows each other in economics, while firkin information is also illustrated by " firkin phenomenon ".

Description

Investment price spectrum photoelectric digital cash string ball and cash string price spectrum calculation method

Technical Field

The invention belongs to the field of financial science and technology, and particularly relates to an investment price spectrum photoelectric digital cash string ball and a cash string price spectrum calculation method.

Background

In traditional economics, a cash flow calculation method is a fund time flow calculation method, a principal generates interest and dereference to perform cash flow equivalent calculation, and the calculation result is that the principal generates interest periods and other equivalent values (annual value, monthly value and the like), but the principal, the interest and the dereference in the equivalent values are not calculated separately and are integrated comprehensive performance.

Principal, interest and depreciation contained in the equivalent value are sequentially arranged, strings similar to spectrums are integrated into a cash string price spectrum, and the value composition of the cash string price spectrum forms a brand-new value space calculation method. The brand new value space calculation method indicates that the cash cluster price spectrum separately calculates and arranges true principal, true interest and depreciation like a spectrum to form an investment price spectrum.

The existing photoelectric digital display ball is a ball body which displays commercial advertisements on the spherical surface by using a photoelectric digital display technology.

In view of this, the embodiment of the present invention provides an investment price spectrum photoelectric digital cash cluster ball, so that the cash cluster ball orderly accommodates real principal, real interest and depreciation by calculating a path of a two-dimensional interest cycle space, and displays a calculation result by using a photoelectric method and a voice method.

The flying fund is the value of money principal conversion interest, the flying fund does not count the interest and does not lose the value in the conversion process, and the photoelectric digital cash cluster with the price spectrum is invested so as to display the flying fund phenomenon by calculating the real principal, the real interest, the principal and the interest.

However, in the existing economic activities, people cannot visually see the arrangement composition of the cash string price spectrum, and cannot see the cash flying phenomenon caused by the cash string price spectrum. Therefore, how to intuitively display the investment price spectrum information and the phenomenon of gold flying is a current technical problem and needs to be solved urgently.

Disclosure of Invention

In view of the above, the invention provides an investment price spectrum photoelectric digital cash string ball for solving the problem that the investment price spectrum information and the phenomenon of cash-out cannot be visually displayed.

An investment price spectrum photoelectric digital cash cluster ball, comprising: a base; the control module is arranged in the base; the power supply is electrically connected with the control module and is arranged in the base; the input keyboard is electrically connected with the control module and is arranged on the surface of the base; the display ball body, the surface of the display ball body is provided with a display panel, and the control module is electrically connected with the control module.

A method for calculating the price spectrum of cash string includes such steps as calculating the nominal cash string, the current cash string, the original cash string and the combined price spectrum of cash string, which have the proportional formulas of their respective price spectra.

By adopting the scheme, the real principal information, the real interest information, the depreciation information and the feming information in the economics can be vividly displayed as the investment price spectrum through the cash string ball body, people can visually know that the cash string ball body orderly contains the real principal, the real interest and the depreciation, the feming phenomenon is displayed simultaneously, and the calculation result is displayed by using the photoelectricity and the voice.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.

FIG. 1 is a diagram of an embodiment of an investment price spectrum photoelectric digital cash cluster;

FIG. 2 is a schematic diagram of the structure of the photoelectric digital cash cluster ball of the investment price spectrum of FIG. 1;

FIG. 3 is a two-dimensional interest cycle spatial model diagram;

FIG. 4 is a schematic illustration of a present cash string value spectrum;

FIG. 5 is a schematic illustration of a raw value cash string value spectrum;

FIG. 6 is a schematic view of a module within the base of FIG. 1;

FIG. 7 is a flow diagram that illustrates the flow of operations performed by the method for calculating a cash string in one embodiment;

FIG. 8 is a block diagram that illustrates the components of the cash string computing system in one embodiment;

FIG. 9 is a schematic diagram of "gold flying" in one embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

In order to explain the technical means of the present invention, the following description will be given by way of specific examples.

With reference to the attached figures 1-6, the photoelectric digital cash cluster ball with the investment price spectrum comprises: the device comprises a base, a control module, a power supply, an input keyboard and a display sphere (comprising a photoelectric digital display sphere component, namely a motor, a digital display integrated circuit board, a display sphere and the like).

The base is a regular integral component, accommodates all devices inside and plays a supporting role. In this embodiment, the base is a three-dimensional cone, and the structure is stable. In other embodiments, it may be a polyhedron or other irregular shape.

And the control module is arranged in the base. The control module is an electronic integrated circuit board and controls the display of the display ball body and the like.

And the power supply is electrically connected with the control module and is arranged in the base. The power supply can be a storage battery or an external energy source and also provides a power source for displaying the sphere.

And the input keyboard is electrically connected with the control module and is arranged on the surface of the base. The input keyboard can input corresponding numerical information such as calculation period, annual resting period number, investment amount and the like according to key control.

And the display ball body is electrically connected with the control module.

Specifically, a display panel is arranged on the outer surface of the display sphere, the display longitudinal size of the display panel is fixed and represents the interest stage cash string, the interest stage cash string is equal to the sum of the real principal cash string, the real interest cash string and the depreciation cash string, and also represents the cash string value, the cash string value is equal to the sum of the real principal, the real interest and the depreciation, and the cash string size of the real principal, the real interest and the depreciation information is determined according to the real principal, the real interest and the depreciation information in the price spectrum. That is to say that the displayed size of the physical space is no longer the size of the cash string in the cash string price list, which shows a kind of investment price list. The real principal in the investment price spectrum is red, the real interest is blue, and the depreciation is yellow.

Because the photoelectric digital cash cluster ball shows a cash cluster price spectrum, the proportion of true principal, true interest and depreciation and the proportion of principal, interest and depreciation in the price spectrum are expressed by the number of the recycling levels as follows:

wherein n ═ L₀＝L[0,n]＝(1+0)^-1+(1+0)^-2+……+(1+0)^-n

n_y ^*＝L^*＝L[i_p ^*,n]＝(1+i_p ^*)^-1+(1+i_p ^*)^-2+……+(1+i_p ^*)^-n

n_y ^Δ＝L^Δ＝L[i_p ^Δ,n]＝(1+i_p ^Δ)^-1+(1+i_p ^Δ)^-2+……+(1+i_p ^Δ)^-n

The photoelectric digital display ball is a sphere with the diameter H, and the size of the cash string is represented by the longitudinal size of the ball. The size h between the upper chord and the lower chord of the price chart in the middle of the sphere (the lower chord is zero and the upper chord is h) represents the cash string rest period n, so the size equivalent boundary point n of the cash string boundary point in the price chart_y ^*Dimension h of_y ^*Equal value boundary point n_y ^△Dimension h of_y ^△Respectively as follows:

h_y ^*＝h×(n_y ^*/n)

h_y ^Δ＝h×(n_y ^Δ/n)

investment price spectrum photoelectric digital cash cluster ball (0-h)_y ^*) The segments represent the true principal Y in red, (0-h)_y ^△) Segment represents principal P_oAlso in red, the segment represents true interest S_x ^*With blue, the segments representing interest S^△Also expressed in blue, segment, as depreciation B^*With yellow colour, thus appearing flying gold G_oThe red and blue of the light passing through flicker, and the size h of the flicker segment_oComprises the following steps:

h_o＝h_y ^*-h_y ^Δ＝h×(n_y ^*-n_y ^Δ)/n

also specifically, as shown in fig. 9, the actual investment price spectrum of the true principal, true interest and depreciation information is displayed on the display sphere, and the actual investment price spectrum of the principal, interest and depreciation information may also be displayed. The real principal comprises the flyings and the principal, the flyings are effective values (real principal) at the origin, the flyings are separated from the real principal area, the flyings pass through the origin and the end points of the cash cluster and surround a circle, interest is not counted and value is not devalued, the flyings are invalid values (real interest) at the end points, finally the flyings and the real interest are combined into interest, and a new price spectrum of the cash cluster principal, the interest and the devaluation is displayed. The gold flying crossing is the gold flying phenomenon.

In other embodiments, the flying gold may have a plurality of display forms, such as the real principal and the principal's boundary generating a back and forth swing, the flying gold ' will appear in time when the flying gold crosses the real principal and the principal's boundary, and so on.

By adopting the scheme, the real principal information, the real interest information, the depreciation information and the flyaway information in the economics can be vividly and vividly displayed through the display ball body, and the flyaway phenomenon is also vividly displayed, so that people can visually know the flyaway and the flyaway phenomenon.

In one embodiment, the control module includes: an arithmetic unit (not shown), and a memory (not shown). The operation unit receives the input information, retrieves the reference interest rate and the resident consumption price index information, calculates the real principal information, real interest information, depreciation information and flyaway information, and the memory stores the input and calculation information; the arithmetic unit also displays the display of the panel.

In other embodiments, the control module further comprises: the communication unit is used for transmitting principal information, interest information, depreciation information, real interest information, flying fund information and voice information; people only need to use mobile equipment capable of receiving communication signals sent by the communication unit, such as mobile phones, notebook computers, PDAs and the like, to obtain the economic information in real time. It will be appreciated that what may receive the communication signal from the communication unit may also be a "fixed device", such as a home desktop computer, a television or a display panel. Further, the communication unit may be a WIFI, bluetooth, infrared lamp wireless communication unit.

In one embodiment, the photoelectric digital cash cluster ball with the investment price spectrum further comprises a display lamp button and a digital keyboard which are arranged on the base and used for inputting and displaying the input information of the calculation period, the annual rest period number and the investment.

In one embodiment, the mobile phone further comprises a loudspeaker which is arranged on the base and outputs voice information.

According to the invention, the calculation period, the annual rest period number and the investment amount can be firstly input from the investment price spectrum photoelectric digital cash cluster ball, the voice playing starts, under the condition that the expansion rate of the currency is stable and unchanged, the flying fund price spectrum photoelectric digital cash cluster ball displays the current cash cluster price spectrum of the principal, interest and depreciation information, and the composition of the cash cluster price spectrum is explained by voice; under the condition of fluctuation and change of the inflation rate of the currency, the cash string price spectrum photoelectric digital cash string ball displays the original cash string price spectrum of the real principal, real interest and devaluation information, and the flying gold size and the flying gold phenomenon in the cash string price spectrum are explained through voice until the voice playing is finished. The commentary is played regularly under the condition that the inflation rate of the currency is stable and unchanged, and the display is switched regularly under the condition that the inflation rate of the currency fluctuates and is controlled by the confirmation button of the input keyboard.

The photoelectric digital cash cluster ball with the investment price spectrum can better display the investment price spectrum, better understand the principle and the display process of the investment price spectrum, and particularly introduce how an arithmetic unit in a control module calculates the real principal information, real interest information, depreciation information and flying gold information in the cash cluster price spectrum.

Based on this, the specific algorithm is as follows:

in step S101 in fig. 7, a calculation period (number of years), a number of yearly resting cycles, a reference interest rate of the central row in one year, a reference interest rate of the central row corresponding to the calculation period, and a consumption price index of the residents in one year are obtained.

In this embodiment, the calculation period (number of years) and the annual number of rest cycles are received, the reference interest rate of the central row in one year, the reference interest rate of the central row corresponding to the calculation period, and the consumption price index (predicted value) of the residents in one year are obtained from the internet or related departments, and the rest period, the equivalent comprehensive interest rate in one year, and the equivalent inflation of the general goods in one year are calculated according to the calculation period, the number of annual rest cycles, the reference interest rate of the central row in one year, the reference interest rate of the central row corresponding to the calculation period, and the consumption price index of the residents in one year;

specifically, the rest period, the equivalent comprehensive interest rate of the one-year period, the equivalent comprehensive interest rate and the equivalent inflation rate of the currency of the one-year period can be calculated by the following formulas:

n＝T·m (m≥1/T)

i_p1 ^*＝r₁/m

i_p ^*＝r/m

f₁ ^Δ≈(CPI₁/100-1)/m

wherein n represents the rest period (number of rest cycles), T represents the rest period (number of years), m represents the number of rest cycles per year (number of rest cycles per year), i represents_p1 ^*Represents the equivalent comprehensive interest rate of one year, r₁Indicates the basal rate of the oral row in one year (annual rate), i_p ^*Representing the equivalent integrated interest rate, r representing the reference interest rate (annual interest rate) of the central row corresponding to the calculation period, f₁ ^△Indicating the equivalent inflation rate of the currency, CPI, for a period of one year₁Representing the index (predicted value) of the consumption price of the residents in one year.

And S102, calculating the equivalent interest rate according to the equivalent comprehensive interest rate of the year and the equivalent inflation rate of the currency in the year period, and calculating the equivalent inflation rate of the currency according to the equivalent comprehensive interest rate and the calculated equivalent interest rate.

Specifically, the equivalent interest rate and the equivalent inflation rate of the currency can be calculated by the following formulas:

i^Δ＝(i_p1 ^*-f₁ ^Δ)/(1+f₁ ^Δ)

f^Δ＝(i_p ^*-i^Δ)/(1+i^Δ)

wherein i^ΔRepresenting the equivalent interest rate, i_p1 ^*Represents the equivalent comprehensive interest rate of one year, f₁ ^△Expressing equivalent inflation rate of the currency in one year, and expressing equivalent comprehensive interest rate f^ΔIndicating the equivalent inflation rate of the currency.

And S103, calculating an equivalent interest rate reckoning series according to the rest period and the equivalent interest rate.

Specifically, the equivalent interest rate number of the recurrent series can be calculated by the following formula:

L_i＝L[i^Δ,n]＝(1+i^Δ)^-1+(1+i^Δ)^-2+……+(1+i^Δ)^-n＝(1-(1+i^Δ)^Λ(-n))/i^Δ

wherein L is_iRepresents the number of equivalent interest rate Rex series, is L [ i ]^Δ,n]And n represents the rest period.

And step S104, calculating the equivalent inflation rate reckoning grade according to the rest period and the equivalent inflation rate, and outputting the calculated equivalent inflation rate reckoning grade.

Specifically, the equivalent inflation rate reckoning number can be calculated by the following formula:

L_f＝L[f^Δ,n]＝(1+f^Δ)^-1+(1+f^Δ)^-2+……+(1+f^Δ)^-n＝(1-(1+f^Δ)^Λ(-n))/f^Δ

wherein L is_fExpressing the equivalent inflation rate Rex series of the currency, is L [ f ]^Δ,n]Abbreviations of (a).

And S105, calculating the equivalent comprehensive interest rate reckoning grade according to the rest period, the equivalent interest rate reckoning grade and the equivalent communication expansion rate reckoning grade, and outputting the calculated equivalent comprehensive interest rate reckoning grade.

Specifically, the equivalent comprehensive interest rate number of the Rex series can be calculated by adopting the following formula:

L^Δ＝L[i_p ^Δ,n]＝(1+i_p ^Δ)^-1+(1+i_p ^Δ)^-2+……+(1+i_p ^Δ)^-n＝L_i×L_f/n

wherein L is^ΔRepresents an equivalent comprehensive interest rate Rex series of L [ i ]_p ^Δ,n]Abbreviations of (a).

And S106, calculating an equivalent comprehensive interest rate reckoning series according to the rest period and the equivalent comprehensive interest rate, and outputting the calculated equivalent comprehensive interest rate reckoning series.

Specifically, the equivalent combined interest rate number of the second stage can be calculated by the following formula:

wherein L is^*Represents the equivalent combined interest rate Rex series, is L [ i ]_p ^*,n]Abbreviations of (a).

In step S107, the amount of the beginning is acquired.

And calculating an equivalent value according to the input value (the initial amount) and the equivalent comprehensive interest rate rewarding level, calculating the cash string value according to the rest period and the equivalent value, and outputting the real principal (the initial amount) of the cash string and the calculated real principal percentage of the cash string.

Specifically, the equivalent value, the cash string value, and the cash string true principal percentage may be calculated using the following formulas:

A^*＝Y/L^*

J^*＝A^*×n

Y％＝Y/J^*×100％

wherein A is^*Indicating the amount of the balance, Y the actual principal (the initial amount) of the cash string, J^*Representing the value of the cash string, n representing the resting period, and Y% representing the percentage of the true principal of the cash string.

Step S108, calculating cash flow principal and the percentage thereof according to the rest period, the cash flow value and the equivalent comprehensive interest rate rewarding grade;

P_o＝J^*×L^Δ/n

P_o％＝P_o/J^*×100％

wherein, P_oRepresenting cash-chain principal, P_o% represents the cash book percentage, J^*Representing cash-string value, L^ΔExpressing the equivalent comprehensive interest rate Rex series, and n expressing the rest period.

Step S109, calculating the interest and the percentage of the cash flow according to the rest period, the cash flow value, the equivalent comprehensive interest rate rewarding level and the equivalent currency expansion rate rewarding level;

S^*＝J^*×(L_f-L^Δ)/n

S^*％＝S^*/J^*×100％

wherein S is^*Indicating interest in the Cash string, S^*% indicates Cash string interest percentage, J^*Representing cash-string value, L_fExpressing the equivalent inflation rate reckoning series, and n expressing the rest period.

Step S110, calculating the cash string devaluation value and the percentage thereof according to the cash string value, the cash string principal and the cash string interest, and outputting the calculated cash string devaluation value and the calculated percentage thereof;

B^*＝J^*-P_o-S^*

B^*％＝B^*/J^*×100％

wherein, B^*Indicating a depreciation of a cash string, B^*% represents the percentage of cash depreciation, J^*Representing cash-string value, P_oRepresenting cash-cash^*Representing a cash string interest.

And step S111, calculating the real interest and the percentage of the cash string according to the cash string value, the real principal of the cash string and the cash string devaluation, and outputting the calculated real interest and the percentage of the cash string.

S_x ^*＝J^*-Y-B^*

S_x ^*％＝S_x ^*/J^*×100％

Wherein S is_x ^*Indicating true interest in the cash string, S_x ^*% indicates the true interest percentage of the Cash Bank, J^*Representing the value of the cash string, Y representing the true principal of the cash string, B^*Indicating a cash-string depreciation.

And step S112, calculating cash string flying fund and financial foam thereof according to the real principal of the cash string and the principal of the cash string, calculating equal-value foam according to the rest period, calculating rest period foam according to the equal-value, and outputting the calculated cash string flying fund.

G_o＝Y-P_o

Wherein G is_oShowing flying cash, Y showing true principal, P_oRepresenting the cash-string principal.

An embodiment of the present invention further provides a cash string calculation system, where the system includes:

fig. 8 is a data acquisition module, configured to acquire a calculation period (number of years), a number of yearly-counted periods, a central-row reference interest rate at the number of yearly-counted periods, a central-row reference interest rate corresponding to the calculation period, and a one-year-resident consumption price index, and further configured to calculate an interest period, an equivalent comprehensive interest rate at the number of yearly-counted periods, and an equivalent inflation rate at the number of yearly-counted periods, according to the calculation period, the number of yearly-counted periods, the central-row reference interest rate at the number of yearly-counted periods, the one-year-counted population consumption price index, and output the calculation period, the central-row reference interest rate;

the equivalent interest rate and equivalent currency expansion rate calculation module is used for calculating the equivalent interest rate according to the equivalent comprehensive interest rate in the one-year period and the equivalent currency expansion rate in the one-year period and also used for calculating the equivalent currency expansion rate according to the equivalent comprehensive interest rate and the equivalent interest rate;

the equivalent interest rate reckoning series calculation module is used for calculating the equivalent interest rate reckoning series according to the rest period and the equivalent interest rate;

the equivalent currency expansion rate rewarding series calculation module is used for calculating the equivalent currency expansion rate rewarding series according to the rest period and the equivalent currency expansion rate and outputting the calculated equivalent currency expansion rate rewarding series;

the equivalent comprehensive interest rate reckoning series calculation module is used for calculating the equivalent comprehensive interest rate reckoning series according to the rest period, the equivalent interest rate reckoning series and the equivalent communication expansion rate reckoning series and outputting the calculated equivalent comprehensive interest rate reckoning series;

the equivalent comprehensive interest rate reckoning series calculation module is used for calculating the equivalent comprehensive interest rate reckoning series according to the rest period and the equivalent comprehensive interest rate and outputting the calculated equivalent comprehensive interest rate reckoning series;

the cash string value calculation module is used for calculating an equivalent value according to an input value (an initial amount) and the equivalent comprehensive interest rate rewarding series, calculating a cash string value according to the rest period and the equivalent value, and outputting a real principal (an initial amount) of the cash string and a calculated real principal percentage of the cash string;

the cash string principal fund calculation module is used for calculating cash string principal fund and percentage thereof according to the rest period, the cash string value and the equivalent comprehensive interest rate rewarding grade;

the cash string interest calculation module is used for calculating cash string interest and the percentage thereof according to the rest period, the cash string value, the equivalent comprehensive interest rate rewarding grade number and the equivalent currency expansion rate rewarding grade number;

and the cash string depreciation calculating module is used for calculating the cash string depreciation and the percentage thereof according to the cash string value, the cash string principal and the cash string interest and outputting the calculated cash string depreciation and the percentage thereof.

And the cash string real interest calculation module is used for calculating the cash string real interest and the percentage thereof according to the cash string value, the cash string real principal and the cash string devaluation and outputting the calculated cash string real interest and the calculated percentage thereof.

And the cash string flying fund calculation module is used for calculating cash string flying fund according to the real principal fund of the cash string and the principal fund of the cash string and outputting the calculated cash string flying fund.

The cash string computing system may include: one or more processors, one or more input devices, one or more output devices, and memory. The processor, the input device, the output device and the memory are connected by a bus. Wherein:

the processor is used for acquiring a calculation period, an annual number of rest periods, a reference rate of a central row in one year, a reference rate of a central row corresponding to the calculation period and a consumption price index of residents in one year through the input device, calculating an rest period, an equivalent comprehensive rate of interest in one year and an equivalent inflation rate of goods in one year according to the calculation period, the annual number of rest periods, the reference rate of the central row and the consumption price index of residents in one year, and outputting the calculation period and the reference rate of the central row through the output device;

the processor is further used for calculating an equivalent interest rate according to the equivalent comprehensive interest rate of the one-year period and the equivalent inflation rate of the currency of the one-year period; calculating the equivalent inflation rate of the currency according to the equivalent comprehensive interest rate and the equivalent interest rate; calculating an equivalent interest rate rewarding series according to the rest period and the equivalent interest rate; calculating an equivalent currency expansion rate rewarding stage number according to the rest period and the equivalent currency expansion rate; calculating an equivalent comprehensive interest rate reckoning series according to the rest period, the equivalent interest rate reckoning series and the equivalent communication expansion rate reckoning series; calculating the equivalent comprehensive interest rate rewarding series according to the rest period and the equivalent comprehensive interest rate, outputting the rest period and the equivalent currency expansion rate rewarding series obtained by calculation through the output equipment, and outputting the equivalent comprehensive interest rate rewarding series and the equivalent comprehensive interest rate rewarding series obtained by calculation in an uninterrupted alternating manner to display a cash string price spectrum and a cash-out phenomenon;

the processor is further used for acquiring the initial amount through the input device, calculating an equivalent value according to the input value (the initial amount) and the equivalent combined interest rate rewarding series, calculating a cash string value according to the rest period and the equivalent value, and outputting a cash string real principal (the initial amount) and the calculated cash string real principal percentage through the output device;

the processor is also used for calculating the cash flow principal and the percentage thereof according to the rest period, the cash flow value and the equivalent comprehensive interest rate rewarding grade number, and outputting the calculated cash flow principal and the percentage thereof through the output equipment;

the processor is also used for calculating the interest and the percentage of the cash flow according to the rest period, the cash flow value, the equivalent comprehensive interest rate rewarding level and the equivalent currency expansion rate rewarding level, and outputting the calculated interest and the percentage of the cash flow through the output equipment;

the processor is further configured to calculate a cash string depreciation value and a percentage thereof according to the cash string value, the cash string principal and the cash string interest, and output the calculated cash string depreciation value and the percentage thereof through the output device;

the processor is further configured to calculate a real interest and percentage of the cash string according to the cash string value, the real principal of the cash string, and the cash string devaluation, and output the calculated real interest and percentage of the cash string through the output device.

The processor is also used for calculating the cash string flying fund and the percentage thereof according to the real principal fund and the percentage thereof of the cash string and the principal fund and the percentage thereof of the cash string, and outputting the calculated cash string flying fund and the percentage thereof through the output equipment;

the memory is used for storing the calculation period, the number of the annual account cycles, the reference interest rate of the central row in one year, the reference interest rate of the central row corresponding to the calculation period, the consumption price index of residents in one year and the initial amount obtained by the input device; and the result values calculated by the processor are also stored, and comprise a rest period, an equivalent comprehensive interest rate of a year, an equivalent comprehensive interest rate, an equivalent circulation expansion rate of a year, an equivalent interest rate payback level, an equivalent circulation expansion rate payback level, an equivalent comprehensive interest rate payback level, an equivalent value, a cash string real principal and percentage thereof, a cash string interest and percentage thereof, a cash string derogation value and percentage thereof, a cash string real interest and percentage thereof, a cash string flyer and the like.

It should be understood that, in the embodiment of the present invention, the Processor may be a Central Processing Unit (CPU), and the Processor may also be other general-purpose processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components, and the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

The input device may include a touch pad, a fingerprint sensor (for collecting fingerprint information of a user and direction information of the fingerprint), a microphone, and the like.

The output devices may include a display (LCD, etc.), speakers, etc.

The memory may include both read-only memory and random access memory, and provides instructions and data to the processor. The portion of memory may also include non-volatile random access memory. For example, the memory may also store device type information.

Note that the cash string calculation is a parameter calculation in the calculation period, and the reference interest rate of the central row in one year, the reference interest rate of the central row corresponding to the calculation period and the predicted value of the consumption price index of residents in one year are based on public information published by relevant departments in the current year. It is explained that the accuracy of the public information published by the relevant departments, especially the predicted value of the residential consumption price index, is not in the patent of the invention of the present embodiment. The reference interest rate of the simultaneous rows can be multiplied by different coefficients to be expressed as various forms of interest rates, such as house loan interest rate, commercial loan interest rate, agricultural loan interest rate and the like.

The above process is illustrated by way of example: the amount of the total loan value (cash lot value), the principal (real principal of cash lot, cash lot principal), interest (real interest of cash lot, interest of cash lot) and the depreciation value (cash lot depreciation) is calculated according to the equal-amount principal repayment mode in 2015, 1 month bank house according to the loan Y being 1000 ten-thousand yuan (input value), the loan period being 30 years and the rest period n being 360 months?

2015 1 month Chinese house loan one year benchmark interest rate r₁5.60 percent, the benchmark interest rate r of 30 years 6.15 percent, and the predicted value CPI for the increase of the consumption price index of the residents in 2015₁1.5, converting the monthly rate of loan in one year into equivalent comprehensive rate i in one year_p1 ^*When 0.0560/12 is 0.004667, the monthly rate of loan in 30 years is converted into the equivalent comprehensive rate, and the expansion rate f of the currency in one year is calculated₁0.015. Converting the expansion rate of the monthly currency into the equivalent expansion rate f of the monthly currency₁ ^△＝0.015/12＝0.00125。

2015-2045 years (n is 360) equivalent value (calculated payoff per month):

wherein the content of the first and second substances,

2015 + 2045 years (n is 360) cash string value:

J^*＝A^*xn 6.0923 × 360 ═ 2193.228 (ten thousand yuan)

Y％＝Y/J^*＝1000÷2193.228＝45.59％

Equivalent interest rate in 2015 (n is 12), also equivalent interest rate in 2015-2045 (n is 360):

equivalent inflation rate in 2015-2045 years (n is 360):

2015-2045 years (n is 360) equivalent comprehensive interest rate and profit grade:

wherein the content of the first and second substances,

2015-2045 years (n is 360) cash fund and its percentage:

P_o＝J^*×L[i_p ^Δ,n]2193.228 × 154.6240 ÷ 360 ═ 942.0158 (ten thousand yuan)

P_o％＝P_o/J^*＝942.0158÷2193.228＝42.95％

2015-2045 years (n-360) cash string interest and its percentages:

S^*＝J^*×[L[f^Δ,n]-L[i_p ^Δ,n]]2193.228 × 114.2046 ÷ 360 ═ 695.7687 (ten thousand yuan)

S^*％＝S^*/J^*＝695.7687÷2193.228＝31.72％

2015-2045 (n-360) cash depreciation and its percentage:

B^*＝J^*-P_o-S^*2193.2280-942.0158-695.7687 ═ 555.4435 (ten thousand yuan)

B^*％＝B^*/J^*＝555.4435÷2193.228＝25.33％

2015-2045 years (n-360) true interest and its percentage:

S_x ^*＝J^*-Y-B^*637.7845 (ten thousand yuan) is 2193.2280-1000-555.4435

S_x ^*％＝S_x ^*/J^*＝637.7845÷2193.228＝29.08％

In 2015-assisted 2045 years (n is 360), cash-string flying gold is:

G_o＝Y-P_o＝1000-942.0158 ═ 57.9842 (ten thousand yuan)

G_o％＝G_o/J^*＝57.9842÷2193.228＝2.644％

The example calculates the cash bunch value to be 2193.2280 ten thousand yuan, wherein the real principal of the cash bunch is 1000 ten thousand yuan and 45.59 percent of the real principal, the principal of the cash bunch is 942.0158 ten thousand yuan and 42.95 percent of the real principal, the real interest of the cash bunch is 637.7845 ten thousand yuan and 29.08 percent of the real principal, the interest of the cash bunch is 695.7687 ten thousand yuan and 31.72 percent of the real principal, the depreciation value of the cash bunch is 555.4435 ten thousand yuan and 25.33 percent of the real principal, and the faring of the cash bunch is 57.9842 ten thousand yuan and 2.644 percent of the real principal.

This example calculates the raw cash string value spectrum length ratio as 164:105: 91.

This example calculates the present value cash string value spectrum length ratio to be 155:114: 91.

The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the spirit and scope of the technical solutions of the embodiments of the present invention.

Further, for a better understanding of the present invention, the following detailed description of the problems associated with cash strings:

(1) cash flow value distribution

The currency has a function of adding value with time, which is the basis of currency simple profit calculation, and the currency added value has a function of multiplying, which is the basis of currency repeated profit calculation, and the concepts of present value (principal), added value (interest) and final value are introduced, and the final value can be equal at different times, which is the concept of currency equivalence. After a period of financial practice, cash flow and cash flow equivalence are generated.

The nominal interest rate of the cash flow is the calculated interest rate of the cash flow equivalent, the actual interest rate in the nominal interest rate is always unchanged, and the actual purchasing power is represented, so that the change of the nominal interest rate and the change of the currency expansion rate in the same direction can be obtained, namely the change of the currency expansion rate brings the change of the nominal interest rate.

Firstly, calculating the inflation rate f of the current goods of the year according to the relative value of the consumption price index CPI of residents in the year₁And then, converting and calculating the equivalent inflation rate of the currency in the year as follows:

formula (II) CPI₁Is a predicted value of the consumption price index of residents in one year, CPI₀Is the reference value of the consumption price index of the residents in the last year. Official post of the resident's consumption price index CPI in general₁Selecting the consumption price index CPI of the residents in the last year₀Is a reference value of 100, and then the above equation becomes:

resident consumption price index CPI in financial practice₁Not expressed in terms of the rate of development of official publications, but in terms of percentage of growth rate of multiple choices, e.g. official publication of CPI₁102.5, CPI is used in financial practice₁2.5, and the following simplified formula is adopted:

according to the standard rate of interest r of the oral row in one year₁Calculating equivalent comprehensive interest rate i in the year_p1 ^*Then according to the equivalent inflation rate f of the current cargo in the year₁ ^△Calculating the equivalent interest rate i of the year^△I.e. by

i_p1 ^*＝r₁/m

Due to the fact that the equivalent interest rate i in the equivalent comprehensive interest rate in the calculation period^△Is constant, namely the actual interest rate is constant in the calculation period, and the inflation rate of the currency and the nominal interest rate are changed in the same direction, so that the equivalent comprehensive interest rate i is calculated according to the reference interest rate r of the central row corresponding to the calculation period_p ^*Then according to the equivalent interest rate i^△Calculating the equivalent inflation rate f^△I.e. by

i_p ^*＝r/m

The cash flow has the concepts of present value, equal value and final value according to the time flowing mode, which is an accepted economic model that the financial world has used for hundreds of years, and the concept of spatial present value (principal), full value (principal + interest) and final value (interest) is proposed according to the cash flow in a spatial distribution mode, so that the time value flow is converted into the concept of a spatial value field.

The calculation period T is the number of years of the calculation time, the rest period n is the number of rest periods, and the number of rest periods m is the number of rest periods per year, so n is T · m. The selected rest period defines a unique number m of annual rest periods. The cash flow is divided into a multi-cycle equal cash flow (the rest period n is an integer) and a single-cycle end value cash flow (the rest period n is 1), in this case, only the multi-cycle equal cash flow is discussed, the calculation is the repeated profit calculation of the actual interest rate, the single-cycle end value cash flow is regarded as the equal cash flow under the condition that the rest period is 1, the calculation is the single profit calculation of the nominal interest rate, and the current financial limit period deposit is the single-cycle end value cash flow.

The current value of the invariant (no currency inflation currency) is the value at the time initial point (no time value), i.e. principal, the added value is the difference between the value at the time end point and the value at the initial point (only time value), i.e. interest, and the current value of the invariant cash flow is defined as the sum of the current value and the added value, i.e. the value at the time end point. The value distribution of cash flow in single interest cycle is the cash flow value distribution, and the cash flow value distribution in multiple interest cycles is the cash flow value, the equal amount value and the cash flow value.

The value of the invariant cash flow equivalent value A is attached to the initial point (space origin) as the current value P, namely

P＝A·(1+i)^-1+A·(1+i)^-2+……+A·(1+i)^-n＝A·L[i,n]＝A·n_y

Wherein the L spatial progression is defined as:

L[i,n]＝(1+i)^-1+(1+i)^-2+……+(1+i)^-n＝n_y

assuming that interest rate i is 0, L [ i, n ] is n; assuming that i ═ becomes equal to 0, L [ i, n ] -. The above equation then transforms into:

i.e. L [ i, n ]]＝L[i＝0,n_y]+L[i＝∝,n-n_y]

The above formula shows that the cash flow with the rest period of n and the interest rate of i can be regarded as the composition of two cash flows, one cash flow is formed by the rest period of n_yThe cash flow with interest rate of zero, and the rest period is n-n_yInterest rate is an infinite value-added cash flow, which is the value of the unchanging cash flowThe interest process is converted into a conversion formula of the cash flow value storage process, and a theoretical basis is provided for cash flow value distribution. Specifically, the method comprises the following steps:

(a) the cash flow consists of two parts, one part is a cash flow, namely a principal cash flow, and the other part is a value-added cash flow, namely an interest cash flow, the cash flow is in front and comprises a space origin, and the value-added cash flow is behind and comprises a space end, and the front part and the back part can not be interchanged;

(b) the cash flow of the present value is the concentrated present value, the cash flow of the added value is the concentrated added value, and the cash flow of the added value can not be distributed in a cross way;

(c) the cash flow cash value can be concentrated at the origin of the space, and the value-added cash flow value can be concentrated at the end of the space.

(d) The cash flow value J is the sum of the current value and the added value, and is expressed as the product of the rest period n and the equivalent value a.

As shown in fig. 3, under the condition that interest rate and inflation rate (residential price consumption index) of cash flow are constant, actual elements of any size at any time point in the calculation period have unique equal cash flow corresponding to the same, so the cash flow is usually equal cash flow. The cash flow value is divided into three parts, the first part is the initial cash value (principal P), the second part is the time increment (interest S)^*) The third part is time depreciation (depreciation B)^*) It can be proved that: the cash flow has value added before the current value and has value depreciated after the current value and the value added.

It should be noted that the cash flow value distribution shown in fig. 4 uses the familiar actual meta-value distribution divided in the direction of interest period, which is consistent with the actual meta-value distribution divided in the direction of equal value.

(2) Two-dimensional interest-counting periodic space cash string

FIG. 3 shows the actual element of the two-dimensional interest cycle space provided by an embodiment of the present invention, namely the currency swelling monetary value distribution, which is detailed as follows:

cash flow value J^*Is the rest period n and the equivalent value A^*Product of, thereby accounting for cash flow value J^*Can be expressed by the area of the cash flow model, and will moveThe value of the state-simulated cash flow is related to the physical space area of the model. The cash flow to cash flow model is a transformation from temporal value flow to spatial value distribution.

The currency increment and decrement function is that currency increments and decrements over time. How to express the currency increment and decrement functions is to calculate the time value and the time decrement by adopting the time scale through the conversion of the cash flow to the cash flow model (see fig. 4), besides, the expression form of the currency increment function is found to be not unique, besides the time scale n, a value scale exists, namely, the equivalent value A^*. Value benches are adopted to carry out value-added and value-depreciated equivalence calculation, the current values calculated by different benches are equal, and a two-dimensional interest period space model is created, namely

P＝A^*·L[r,n]＝n·L[r_a,A^*] (L[r_a,A^*]＝(1+r_a)^-1+(1+r_a)^-2+…+(1+r_a)^-A*)

Where r is i + f + i · f

Through different benchmarking interest rates of the model, the nominal interest rate of the time benchmarking is r, and the nominal interest rate of the value benchmarking is r_aThe rest period n and the equivalent value A^*The two-dimensional cash flow model is reconstructed into an interest cycle number n and an interest cycle number A^*The two-dimensional rest period space is a virtual space which is invisible to human vision and a real space in which cash flow is intuitively felt to exist, and is reconstructed into a physical model from an economic shape (see figure 4).

It should be noted that the two-dimensional rest period spatial area differs from the physical spatial area in that the former area unit is not the square of the rest period, but rather the rest period having a mean value, i.e. having a mean value A^*Or an interest period A having a mean value n^*The dual nature of the two-dimensional interest cycle spatial area unit brings about the constraint problem of the cash flow value calculated by the two-dimensional interest cycle spatial area.

It can be seen that cash flow is equivalent, i.e. different capital values at different time points under the condition of constant interest rate in the calculation periodEqual value at any time point, current value P and added value S of element^*Depreciation B^*Sum value J^*It evolves into a two-dimensional interest cycle space equivalent element. It should be noted that cash flow value J^*Can be expressed by the space area of a two-dimensional rest period, but when the equivalent elements of the rest period are expressed by the area, the rest period n is unchanged or the equivalent value A is equal^*Invariant conditions, hence the cash flow value J^*Two-dimensional interest-bearing periodic space diagonal W^△Expressed in terms of a path having a value intensity, i.e. cash flow value V per unit of interest period^*I.e. by

Since the isometric current-value segment has an origin, the value-added segment has a demarcation point, and the value-subtracted segment has an end point, it is assumed that the isometric origin on the diagonal of the cash flow plane accumulates the spatial current value P_o(P_oP), at the dividing point, the time value S can be accumulated^*(time value generating depreciation) at the end of which a time depreciation B can be accumulated^*。

Under the condition of interest rate change, firstly, the changed actual interest rate is evolved into a constant equivalent interest rate i according to the currency increment and dereference calculation rule^ΔThe variable inflation rate of the general cargo is converted into a constant equivalent inflation rate f of the general cargo^ΔI.e. by

The average actual interest rate at the time point k (k ═ 1,2, … …, n) is the average inflation rate at the time point k (k ═ 1,2, … …, n).

Because the equivalent interest rate and the equivalent inflation rate of the currency are constant interest rates with the same interest rate at each time point, the equivalent interest rate and the equivalent inflation rate of the currency are used for calculating the equivalent comprehensive interest rate i according to the nominal interest rate r formula_p ^*Comprises the following steps:

i_p ^*＝i^Δ+f^Δ+i^Δ·f^Δ

according to constant equivalent integrated interest rate i_p ^*The calculated effective value (spatial raw value) Y is:

Y＝A^*·(1+i_p ^*)^-1+A^*·(1+i_p ^*)^-2+……+A^*·(1+i_p ^*)^-n＝A^*·L[i_p ^*,n]＝A^*·n_y ^*

the above formula is according to constant equivalent integrated interest rate i_p ^*And calculating a repeated conversion profit calculation formula of the space original value Y.

As shown in FIG. 3, the equivalent integrated interest rate i is observed in a two-dimensional interest cycle space_p ^*The effective and ineffective values, i.e. the spatial original and the enhancement, of the calculation have vertical boundary linesn _y ^*Boundary with horizontalA _y ^*They intersect at the diagonal equivalent intersection point W_y ^*Thus n is known_y ^*Then calculate A_y ^*Comprises the following steps:

since the front segment of the equivalent path has an origin and the rear segment has an end, it is assumed that the spatial original value Y is accumulated at the origin of the equivalent path and the enhancement value X is accumulated at the end^*Increase and decrease value X^*Is a time value S_x ^*And time depreciation B^*The sum of (1).

Since interest has a depreciation but the depreciation has no interest, the actual meta-equivalent interest rate i is determined in addition to the above equivalent spatial structure^ΔEquivalent inflation rate f^ΔSynthesizing the equivalent comprehensive interest rate i according to the equivalent space structure (shown in figure 4) of adding value and then removing value_p ^ΔTo obtain the effective value, i.e. the space current value P_o(P_oP) is:

i.e. L [ i ]_p ^Δ,n]·n＝L[i^Δ,n]·L[f^Δ,n] (n_y ^Δ＝L[i_p ^Δ,n])

In the formula, the actual number A is equal to the number of Yuan^*The relationship with the invariant value A is as follows:

namely, it is

The above formula is according to the equivalent comprehensive interest rate i_p ^△Computing the spatial current value P_oThe complex computing formula of (1).

As shown in FIG. 3, the equivalent integrated interest rate i is used in the two-dimensional interest cycle space_p ^ΔComputing space cashValue P_oTime value S^*Sum time depreciation B^*Existence of a vertical boundary line n_y ^ΔAnd a horizontal boundary line A_y ^ΔThey intersect at a diagonal isovalent boundary point W_y ^ΔThus n is known_y ^△Then calculate A_y ^△Comprises the following steps:

two-dimensional interest-bearing periodic space model diagonal line W^△The instantaneous dimension n and the incremental dimension A^*The diagonal of (a) is a path whereby an artefact containing monetary value may be made, referred to as a cash-string, characterised in that it has a length W^△The length unit is the rest period, the length calculation is the number of the Rex series, and the value intensity V^*Its value is J^*＝W^△·V^*It is a financial tool for holding cash flow value.

Space origin, junction point of effective value and currency increment, demarcation point and space end point of currency increment and currency decrement are sequenced in sequence in the cash string, and values with different properties can be gathered on the nodes. That is, the cash string is ordered by the segmentation segments to accommodate the effective value, the monetary add-on and the monetary depreciation. The above-described 4 features (a), (b), (c), and (d) of the cash flow area accommodating cash flow values are also applicable to the cash flow path accommodating cash flow values, which are cash flow values.

In a two-dimensional rest-circle space, a cash-string W^△Is the number of message periods that can be calculated from the path relationship, which is also equal to the number of message periods A^*The same applies for the number of information periods W^△Calculating interest rate i of the user_pw ^△I.e. by

The total capital value of the previous investment projects is expressed in cash flow value, how much the principal is in cash flow value, how much the value is in derogation? Only by professional calculation, what is the true interest and devaluation that the customer is most concerned about how to separate the true interest and devaluation in the appreciation and devaluation? The cash flow is changed into a cash string, the total capital value of the investment project is expressed by the cash string value, the true principal, the true interest and the depreciation in the cash string value are expressed by the relative positions of the origin, the intersection, the demarcation and the end of the cash string in the two-dimensional interest cycle space, the client can easily observe and accept the cash flow, and the cash flow replaced by the cash string is a progress of science and technology.

(3) Cash series interest rate price chart

The natural white light can be decomposed into seven colors of light, and the seven colors of light are arranged according to different frequencies to form a spectrum. The cash cluster value can also be decomposed into principal, interest and depreciation, and a value sequence spectrum is formed according to different arrangement of interest rate extreme values, and is called a cash cluster interest rate price spectrum, which is called a cash cluster price spectrum for short.

Under the condition of currency inflation, the equivalent value A of the actual cash flow^*The current value P of the mapping initial point is as follows:

P＝A^*·(1+r)^-1+A^*·(1+r)^-2+……+A^*·(1+r)^-n＝A^*·L[r,n]

where the nominal interest rate r is the combined constant interest rate of the constant actual interest rate i and the constant inflation rate f.

It follows that the value distribution of the invariant cash flow under the no-currency expansion condition can also be applied to the value distribution of the actual cash flow under the no-currency expansion condition, having the 4 characteristics of (a), (b), (c) and (d) of the same value distribution, except that the value-added cash flow is converted into a value-added and value-subtracted (value-added + depreciated) cash flow, i.e. the value distribution of the actual cash flow under the no-currency expansion condition is applied to the value distribution of the actual cash flow under the no-currency expansion condition, and the

In the formula n_y ^r＝L[r,n] (r＝i+f+i·f)

As shown in FIG. 3, in the two-dimensional interest cycle space model, the cash sequence origin 0 and the boundary point W are used_yBoundary point and end point W^rSegment proportion, equal to the starting point 0 and the boundary point n of the cash flow_yThe division point and the end point n are in segmented proportion, and the cash flow time flow rest period n is equivalent to the cash flow space path rest period W^rThe interest rate r of cash flow time flow interest cycle is equivalent to the interest rate r of cash flow space path interest cycle_wThey have the following equation:

therefore, the above analysis of cash flow value can be fully applied to cash-string value analysis.

As shown in fig. 3, under the condition that the actual interest rate and the inflation rate of the currency are unchanged, the cash flow segment contains principal, interest and depreciation, and for the reckoning calculation according to the nominal interest rate r, the cash flow segment has a proportional formula:

namely, it is

The proportion formula is a nominal cash string price spectrum proportion formula, and the same proportion formula is obtained according to the cash flow equivalence, so the nominal cash string price spectrum proportion formula is the cash flow price spectrum proportion formula.

As shown in FIG. 4, according to the nominal cash string price spectrum proportional formula, the cash string is composed of principal cash string, interest cash string and depreciation cash string, starting from the origin 0 of the cash string, the principal cash string is the first cash string 0-n_y ^rThe characteristic r is 0, the actual interest rate i is 0, and the inflation rate f is 0; the interest cash string is a second cash string, the characteristic i ═ indicates that the actual interest rate i ═ indicates that the currency expansion rate f is 0; a depreciated cash string is a third cash string, the characteristic f ═ indicates that the actual interest rate i ═ 0 and the currency expansion rate f ═ varies; up to the cash string end point n. They cannot be arranged upside down. The nominal cash serial interest rate price spectrum determined by the actual interest rate and the currency expansion rate of zero or infinity is obtained, and the difference is that the length of the nominal cash serial interest rate price spectrum is W^rThe value strength is V^*The latter time rest period is n, the equivalent value is A^*。

In the investment activities of people, the cash flow equivalent value A is calculated through the actual interest rate i and the currency expansion rate f^*The value of the cash flow J^*＝n·A^*Essentially, the result is only the comprehensive expression form of the cash-string interest rate price spectrum determined by the interest rate and the currency expansion rate of zero or infinity, and the cash-string value J^*Equal to the present value P, the time value S^*And depreciation B^*It is just as white light as one sees is a comprehensive representation of seven colors of light of different frequencies.

The cash bunch interest rate price spectrum directly displays the proportional relation of cash bunch principal, interest and depreciation.

As shown in fig. 4, under the condition of the change of the actual interest rate and the expansion rate of the currency, the cash string can accommodate the principal, interest and depreciation in sections, and the comprehensive interest rate i according to the equivalent value is obtained_p ^△Has a proportional formula:

namely, it is

Cash string equivalent boundary point n in formula_y ^△Comprises the following steps:

n_y ^Δ＝L[i_p ^Δ,n]＝L[i^Δ,n]·L[f^Δ,n]/n

equivalent comprehensive interest rate i under the condition of actual interest rate and currency expansion rate change_p ^△Computing the spatial current value P_oEqual to the current value P calculated for the nominal interest rate r under the conditions of constant actual interest rate and inflation rate, so that n_y ^△＝n_y ^rThe boundary points are the same, and the boundary points are the same (S)^△＝S^*) Their ratio formulae are the same. The proportional expression directly reflects the proportions of principal, interest and depreciation in the cash flow, and is also called as a proportional expression of the cash flow rate spectrum of the present value, so that the cash flow rate spectrum of the present value is a nominal cash flow rate spectrum of the present value, and is also a cash flow rate spectrum of the present value, but the preconditions of the spectra are different.

As shown in fig. 4, the cash flow basic parameters are the cash flow interest period, the actual interest rate and the full-length expansion rate, and the proportional relation of the cash flow principal, the interest and the depreciation is directly displayed by applying the cash flow serial interest rate price spectrum.

As shown in fig. 5, under the condition of the actual interest rate and the inflation rate of the currency, the cash string can accommodate the real principal, the real interest and the depreciation in sections, and the equivalent comprehensive interest rate i_p ^*The complex transfer calculation of (1) has a proportional formula:

namely, it is

In-formula cash string equivalent boundary point n_y ^*Comprises the following steps:

n_y ^*＝L[i_p ^*,n] (i_p ^*＝i^Δ+f^Δ+i^Δ·f^Δ)

in actual interest rate and general cargoEquivalent comprehensive interest rate i under the condition of expansion rate change_p ^△Computing the spatial current value P_oNot equal to the equivalent integrated interest rate i_p ^*Computing the spatial original value Y, thus n_y ^△≠n_y ^*Their boundary points are different, and the equivalent comprehensive interest rate i under the condition of changing actual interest rate and currency expansion rate_p ^*The calculated proportional expression reflects the proportion of true principal, true interest and depreciation in the cash string, and is called as an original value cash string price spectrum proportional expression.

Wherein the currency cash-in-place strings, the currency cash-in-place strings and the nominal cash-in-place strings have the same length, i.e. W^*＝W^△＝W。

The cash string price spectrum proportional formula is a basic formula of the cash string price spectrum, and the formula is established under the condition that the equal value A is the value spectrum of the cash string and the value spectrum proportional formula of the original value cash string, the segment proportion of the original point, the boundary point and the tail point is only related to the rest period, the actual interest rate and the currency expansion rate, but is not related to the real principal or the size of the principal^*And the note period n is not equal to 0, any condition is not satisfied, and the cash string price spectrum proportion formula is not satisfied. Or is to say in A^*Under the condition of 0, the cash string evolves into a time dimension, and although the cash string price spectrum proportional expression is described by a time dimension parameter, the cash string price spectrum proportional expression is not a time price spectrum proportional expression and is not a cash flow price spectrum proportional expression.

Under the condition of no confusion, the cash string price spectrum proportion formula is described by using time dimension parameters, the space cash string length is a rest period n, and the cash string value intensity is an equal value A^*。

The main difference between the original value cash string price spectrum and the current value cash string price spectrum is the appearance of flying gold.

Since the flying fund does not affect the value of the cash string and the benefit, namely the sum of the principal fund and the interest, the flying fund is a third economic element different from the principal fund and the interest. The method has the advantages that the flying gold cannot be displayed in the original cash string price spectrum, the real original gold exists in the original cash string price spectrum, namely the actual interest rate i of the flying gold is equal to 0, the actual interest rate i is changed into the actual interest rate i equal to equal, the flying gold passes through the equivalent boundary point to become interest, the equivalent boundary point disappears at the moment, the equivalent boundary point appears, and the flying gold passing phenomenon is an economic phenomenon which cannot be explained in a two-dimensional interest-counting period space.

(4) Feijin invisible transmission

The three cash string price spectrums provide three calculation methods of the value of the original point of space, the nominal cash string price spectrums adopt the nominal interest rate r to calculate the current value P, which is the result of cash flow equivalent calculation, namely the result of calculation assuming that the actual interest rate i and the currency expansion rate f are both constant interest rates.

The cash-in-cash-lot price list adopts equivalent comprehensive interest rate i_p ^△Computing the spatial current value P_oIn the value space field, the result of calculation according to the steps of currency appreciation first and currency appreciation second is assumed that currency inflation only brings currency appreciation and does not affect currency appreciation, so the space present value P_oEqual to the present value P.

The original value cash string price spectrum adopts equivalent comprehensive interest rate i_p ^*Calculating a spatial raw value Y in the value space field, which is a result of the step of combining the currency increment and the currency decrement assuming that the currency volume is expanded to bring the currency increment and influence the currency increment, so that the spatial raw value Y is not equal to the spatial current value P_oThat is, the original space value Y (real principal) and the present space value P appear_oDifference of (principal gold) G_oIt is called Feijin, which can be negative (-G)_o) It is called flier.

Under the condition of changing actual interest rate and changing inflation rate of currency, using equivalent comprehensive interest rate i_p ^*The calculated spatial raw values are:

Y＝A^*·L[i_p ^*,n] (i_p ^*＝i^Δ+f^Δ+i^Δ·f^Δ)

under the condition of changing actual interest rate and changing inflation rate of currency, using equivalent comprehensive interest rate i_p ^△The current value of the calculation space is:

this yields the inequality:

in the formula i^△Is a constant equivalent interest rate, f^△Is a constant equivalent inflation rate for the currency.

Under the condition of constant actual interest rate and constant inflation rate of currency, the equivalent comprehensive interest rate i is used_p ^*The calculated spatial raw values are:

Y_o＝A^*·L[i_p ^*,n]＝A^*·L[r,n]＝P (i_p ^*＝r＝i+f+i·f)

under the condition of constant actual interest rate and constant inflation rate of the currency, the equivalent comprehensive interest rate i is used_p ^△The current value of the calculation space is:

this gives the equation:

it has been mathematically proven that the inequality and equality (somewhat) are correct, which directly confirms the presence of the flyaway (the difference between the original and the current value of the space, and also the difference between the original and the current value of the space).

Obviously, under the condition of changing actual interest rate and changing inflation rate of currency, the equivalent integrated interest rate i is used_p ^*Calculating the equivalent comprehensive interest rate i when the space original value Y is not equal to the used value_p ^△Computing the spatial current value P_oUnder the condition of constant actual interest rate and constant inflation rate of the currency, the equivalent comprehensive interest rate i is used_p ^*Calculating the space original value Y_oEqual to the current value P calculated by the nominal interest rate r and equal to the integrated interest rate i_p ^△Computing the spatial current value P_oThis directly indicates that the changes of the actual interest rate and the inflation rate of the currency bring about unequal space original value Y and present value P, and also indicates that the merging and separating changes of the currency increment and decrement calculation paths bring about unequal space original value Y and space present value P_oAre not equal.

Because the actual interest rate and the inflation rate of the currency are changed or not changed, the result is a cash string observation and measurement result, the currency increment and derogation calculation path is merged, or the result is a cash string superposition state entanglement result, the nominal cash string, the current cash string and the original cash string are analyzed according to the physical quantum mechanical state superposition principle to form a cash string state superposition method, and the conclusion is as follows:

(a) the cash string is a space price spectrum form and has the property of linear correlation superposition state;

(b) the nominal cash string, the present cash string and the original cash string are in three different superposition states;

(c) the nominal cash string and the original cash string are in a single body superposition state and are collapsed into the original cash string;

(d) the cash string with the current value and the cash string with the original value are in a multi-body superposition state and are entangled into the cash string with the original value;

(e) the flying gold is the result of the superposition of entangled states and is an invisible transmission value.

In the principle of state superposition in physical quantum mechanics, quantum mechanics is the best known to begin the experiment of the 'Schrodinger cat' conceived by Schrodinger, and the quantum mechanics explains the superposed state cats which are dead and alive. The cash strings in the stacked state which are dead and alive also exist in the two-dimensional interest cycle space, the cash strings in the dead state are nominal cash strings with unchanged actual interest rate and currency expansion rate, and no flying fund exists; the cash string in the active state is an original cash string with the actual interest rate and the currency expansion rate changed, and has cash.

The cash strings are stacked in a state, and the cash strings are stacked in a single state due to the change of the actual interest rate and the expansion rate of the currency. Before people observe the cash string, the cash string has two states, one state is a nominal cash string state (unchanged actual interest rate and unchanged currency expansion rate), the other state is an original cash string state (changed actual interest rate and changed currency expansion rate), because the difference is not the difference (the cash string has the same length, the same value intensity, the same equivalent interest rate (actual interest rate), the same equivalent currency expansion rate (currency expansion rate) and the same interest path) but the different states (the cash string price spectrum has the difference of flying money), before people observe the cash string, the cash string states can not be determined, the cash string states are a single state superposition, when people observe the change of the currency expansion rate (the reference interest rate of the compulsory rows is related to the calculation period), the cash string superposition state collapses to be the unique state, and the original two states become the uniquely determined original cash state, the existence of flying funds in the original cash string price spectrum is determined.

Currently, people know that cash cascade superposition is a subjective consciousness, namely, the currency inflation only brings currency dereferencing and does not influence currency increment. The result of the consciousness participation reasoning is that the actual interest rate is unchanged, the inflation rate of the currency is also unchanged, so far, the reasoning is not known by people, and the result of the wrong subjective consciousness participation results in that the inflation rate of the currency is unchanged, so that the currency string superposition state collapses into the nominal currency string, and no flying fund exists in the nominal currency string price spectrum. The nominal cash flow rate spectrum is a cash flow rate spectrum which is the result of cash flow equivalence calculation, and the participation of wrong subjective consciousness forms a miszone of the current cash flow which is popular in the financial world and has no flying fund.

The nominal cash string and the present cash string are similar cash strings, the nominal cash string and the present cash string are combined and calculated according to the interest path and the depreciation path, and the interest path and the depreciation path are calculated separately; the former has a constant actual interest rate and a constant currency expansion rate, and the latter has a constant actual interest rate and a constant currency expansion rate, but the cash strings integrated with the former are the same.

The nominal cash string and the original cash string are in a cash string monomer superposition state and are finally collapsed into the original cash string, and the nominal cash string and the original cash string are different in that the actual interest rate is unchanged and the volume expansion rate is unchanged, the actual interest rate is changed and the volume expansion rate is changed, the nominal cash string and the original cash string reflect the difference of the states due to different processes of information, and the nominal cash string and the original cash string are in a cash string monomer superposition state. The difference between the cash string and the original cash string is that the interest path and the depreciation path are calculated separately, the interest path and the depreciation path are calculated in a combined manner, the difference of the interest paths causes the change of a two-dimensional interest period, namely, a current value dimension into an original value dimension, and a value-added dimension into a valid value dimension, which reflect the difference of entities, and the cash string is a cash string multi-body superposition.

The cash string multi-body superposition is that there must be definite relation between them, and the cash string of present value and the cash string of original value have a pair of EPR of sharing to right, and its mathematical expression is principal + interest + depreciation is real principal + real interest + depreciation, because EPR is right existence, the cash string of present value and the cash string of original value constitute the entanglement cash string pair.

The flyer transmission is an information transmission, the sender of the flyer is a common spatial origin of the cash series of the present value and the cash series of the original value, the receiver of the flyer is a spatial boundary point of the cash series of the present value and a spatial end point of the cash series of the original value, an EPR-cash series entanglement pair shared by the cash series of the present value and the cash series of the original value is obtained according to the EPR-cash series entanglement pair (principal + interest + depreciation + true principal + true interest + true depreciation) shared by the cash series of the present value and the cash series of the original value, the mathematical expression is the principal + interest + true principal + true interest, the sender jointly measures the half of the EPR pairs (principal and true principal) owned by the sender and the flyer to be sent (principal-flyer), so that the other half of the EPR pairs (interest and true interest) owned by the receiver are instantaneously collapsed to another state (interest + true flying money), the spatial origin of the spatial boundary point and the spatial end point of the cash series of the original value are instantaneously completed cash series of the original value, femtogenes are an implicit transmission.

It should be noted that flyaway stealth transport is distinct from quantum stealth transport, the former being value (credit) transport and the latter being quantum transport; the former EPR pair is a valid association, and the latter EPR pair is a Bell state; the former instant completion is a completion which does not consume any time, and the latter instant completion is a completion which consumes the bell state generation, measurement and conventional transmission time.

Femtogenes is a value for stealth transmission. This is inconsistent with the notion that the femtogenes need to be transmitted from the start of time to the end of time, since it is understood that femtogenes are determined before they are not observed. In fact, the flying gold is uncertain before being observed, and the flying gold is the result of entanglement of multiple stacked states of the cash strings.

The conclusion of the state superposition analysis of the cash string is as follows: the nominal cash string and the original cash string are in a single body superposition state, and the single body superposition state collapses into the original cash string due to the fact that the observation and measurement currency expansion rate is changed (the reference interest rate is related to the calculation years). The cash string and the original cash string are in a multi-body superposition state, and under the condition that currency is expanded and the true principal of the original cash string is greater than the principal of the cash string, the flying gold of the original cash string is invisibly transmitted between the spatial origin and the spatial destination, so the multi-body superposition state is entangled into the original cash string.

It can be seen that the cash string state superposition solves the selection problem of the nominal cash string, the current cash string and the original cash string. The original cash bunch flyings cross the space from the original point of the two-dimensional interest cycle space to the end point, when the cash bunch is observed, the flyings cross the time from the time starting point to the end point, and the states that the actual interest rate is zero and the inflation rate of the currency is zero do not exist in the time crossing process, so that the flyings are the insensible currency value, and the cash bunch state superposition solves the theoretical basic problem of the flyings.

It should be noted that the stealth transfer of the flyer in the two-dimensional interest-bearing periodic space from the origin to the end of the space has the problem of exceeding the space, and because the two-dimensional interest-bearing periodic space has the boundary line between principal and interest and the boundary line between interest and depreciation, the stealth transfer of the flyer is the transfer across the boundary line and the boundary line, and the transfer across the line cannot be realized in the two-dimensional space, which is related to the stealth transfer track. Therefore, the stealth transmission of gold flying cannot explain the phenomenon of "gold flying through" in the two-dimensional interest cycle space.

Under the condition of changing actual interest rate and inflation rate of the currency, one is equivalent comprehensive interest rate i_p ^△The cash-value-cash-string price spectrum (nominal cash-string price spectrum) formed by the calculated principal, interest and depreciation, and the other is the equivalent comprehensive interest rate i_p ^*The calculated true principal, true interest and depreciation constitute the original cash-string price spectrum, which are collectively called the cash-string price spectrum.

The cash string price spectrum can be a combination form of the cash string price spectrum with the original value, namely the cash string price spectrum is a price spectrum of principal, flying principal, real interest and depreciation, or a price spectrum of real principal, flying principal, interest and depreciation, and the proportion formula is as follows:

feijin G_o＝Y-P_o

Fly by-G_o＝S_x ^*-S^*

The cash-string price spectrum has an important meaning of listing the flying gold price spectrum into a component of the price spectrum, which shows that under the condition of change of actual interest rate and currency expansion rate, flying gold (flying interest) is an objective existence and is a third economic element different from principal gold and interest. Certainly, the cash string price spectrum proportional formula is not an investment price spectrum proportional formula, namely principal and real interest cannot be presented at the same time in the investment price spectrum proportional formula, and real principal and interest cannot be presented at the same time, principal and interest can be presented at the same time, or real principal and real interest can be presented at the same time, and flying gold can be presented only through a flying gold phenomenon of flying gold crossing, which shows that the cash string price spectrum in the two-dimensional interest cycle space has defects, namely, the cash string price spectrum in the two-dimensional interest cycle space has defects because flying gold crossing cannot be realized in the two-dimensional interest cycle space.

Claims

An investment price spectrum photoelectric digital cash cluster ball, which is characterized by comprising:

a base;

the control module is arranged in the base;

the power supply is electrically connected with the control module, electrically connected with the display ball motor and arranged in the base;

the input keyboard is electrically connected with the control module and is arranged on the surface of the base;

the display ball body is provided with a display panel on the surface and is electrically connected with the control module.
The photoelectric digital cash-string ball with investment price spectrum of claim 1, characterized in that a display panel is provided on the outer surface of the display ball body, the display panel having a constant display longitudinal dimension representing the cash-string with interest period, the cash-string with interest period being equal to the sum of the cash-string with true principal, the cash-string with interest period and the cash-string with value of cash-string, the cash-string value being equal to the sum of true principal, true interest period and value of interest period, the cash-string with true principal, true interest period and value of interest period being determined according to the information of true principal, true interest period and value of interest period in the price spectrum; that is, the display ball no longer displays the physical space size but the cash string size in the cash string price list, which displays an investment price list.
The photoelectric digital cash-string ball with investment price spectrum according to claim 1, characterized in that the display ball displays the original cash-string price spectrum of true principal, true interest and depreciation, the true principal includes flying principal and principal, the flying principal is separated from the true principal area, passes through the cash-string origin and end point and circles, goes to the true interest area without interest and depreciation, finally the flying principal and true interest are combined into interest, and the new cash-string price spectrum of principal, interest and depreciation is displayed.
The investment price spectrum photoelectric digital cash string ball according to any one of claim 1, wherein the control module comprises: a processor, a memory; the operation unit receives input information, retrieves reference interest rate and resident consumption price index information, calculates real principal information, real interest information, depreciation information, femtoferring information and financial foam, and the memory stores the input information, the calculation information and the voice information; the arithmetic unit also controls the display of the display panel.
The investment price spectrum photoelectric digital cash string ball of claim 1, wherein the control module further comprises: the system comprises an input device and an output device, and transmits principal information, interest information, depreciation information, real interest information, flyaway information and voice information.
The price spectrum photoelectric digital cash string ball of claim 5, wherein the communication unit further comprises: and (4) mutually visiting with the Internet cloud, and retrieving the information of the reference interest rate and the resident consumption price index.
The photoelectric digital cash string ball with investment price spectrum according to claim 5, further comprising display lamp buttons and a numeric keyboard which are arranged on the base and input and display input information of calculation period, annual rest period number and investment on a ball display screen.
The flying gold price spectrum photoelectric digital cash string ball as claimed in claim 5, further comprising a speaker arranged on the base for outputting voice information.
A cash string price spectrum calculation method comprises a calculation method of a nominal cash string, a present cash string, an original cash string and a combined cash string.
The method of claim 9, wherein the nominal cash flow segments accommodate principal, interest and depreciation at the same actual interest rate and inflation rate, and wherein for the reckoning calculation at the nominal interest rate r, there is the proportional formula:
a claim 9 wherein the cash-string segments accommodate principal, interest and depreciation with varying actual interest rates and inflation rates, and wherein the proportional formula for the rewarding calculation in terms of the equivalent aggregate interest rate is:

namely, it is

Cash string equivalent boundary point n in formula_y ^△Comprises the following steps:

n_y ^Δ＝L[i_p ^Δ,n]＝L[i^Δ,n]·L[f^Δ,n]/n。
the method of claim 9, wherein the cash-bunch staging contains true principal, true interest and depreciation under the conditions of actual interest rate and inflation rate, and the repeated conversion calculation according to the equivalent integrated interest rate has the proportional formula:

namely, it is

In-formula cash string equivalent boundary point n_y ^*Comprises the following steps:

n_y ^*＝L[i_p ^*,n] (i_p ^*＝i^Δ+f^Δ+i^Δ·f^Δ)。
the claim 9, characterized in that the cash string price spectrum is a combination of the present cash string price spectrum and the original cash string price spectrum, that is, the cash string price spectrum is a price spectrum of principal, flying principal, real interest and depreciation, or a price spectrum of real principal, flying principal, interest and depreciation, and their proportion formula is:

feijin G_o＝Y-P_o

Fly by-G_o＝S_x ^*-S^*。