WO2019028578A2 - 一种现金串的计算方法及系统 - Google Patents
一种现金串的计算方法及系统 Download PDFInfo
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- WO2019028578A2 WO2019028578A2 PCT/CN2017/096144 CN2017096144W WO2019028578A2 WO 2019028578 A2 WO2019028578 A2 WO 2019028578A2 CN 2017096144 W CN2017096144 W CN 2017096144W WO 2019028578 A2 WO2019028578 A2 WO 2019028578A2
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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- the invention belongs to the field of financial technology, and in particular relates to a method and system for calculating a cash string.
- the existing cash flow calculation method is a method for calculating the flow of funds.
- the principal generates interest and depreciation to calculate the cash flow equivalent.
- the calculation result is the equivalent value of the principal period (year value, monthly value, etc.), but The principal, interest and depreciation in the equal value are not calculated separately.
- the cash string is calculated and arranged separately to form the valence spectrum, just like the Mitsubishi mirror refractive spectrum.
- the algorithm calculates and distinguishes it, which is an urgent need to solve technical difficulties in the field.
- an embodiment of the present invention provides a method and system for calculating a cash string, by inventing a path of a two-dimensional interest cycle space, inventing cash strings in an orderly manner to accommodate real principal, real interest, depreciation, and flying gold.
- a cash price spectrum A cash price spectrum.
- the embodiment of the present invention is implemented in this way, firstly a method of cash string calculation.
- a method of cash string calculation comprising:
- the benchmark interest rate and the consumer price index calculate the interest period, the one-year equivalent comprehensive interest rate, the equivalent comprehensive interest rate, and the one-year equivalent inflation rate, and output the calculation period and the central bank benchmark interest rate;
- the equivalent interest rate the equivalent inflation rate, the equivalent interest rate compounding series, the equivalent inflation rate compounding series, the equivalent comprehensive interest rate compounding series, the calculation of the equivalent comprehensive interest rate compounding series, the equal value, the real principal Percentage, principal and percentage, interest and percentage, depreciation and its percentage, real interest And its percentage, the calculated fly gold and its percentage.
- An embodiment of the present invention provides a cash string calculation system, including:
- Cash flow value distribution model two-dimensional interest period space cash string model; invariant element cash flow rate price spectrum model; actual yuan cash string interest rate price spectrum model.
- Embodiments of the present invention provide a method and system for calculating a cash string, which includes a cash string price calculation method and a system module thereof for calculating a real cash, real interest, depreciation, and fly of a cash string under the condition of predicting inflation.
- the cash price spectrum is a sequence of real principal, real interest and depreciation, showing the phenomenon of flying gold in the cash price spectrum.
- the cash string price spectrum provided by the embodiment of the invention is scientific, universal, simple and easy to implement, and has strong intuitiveness and practicability.
- FIG. 1 is a schematic flowchart of an implementation process of a cash string calculation method according to an embodiment of the present invention
- FIG. 2 is a schematic structural diagram of a structure of a cash string calculation system according to an embodiment of the present invention
- FIG. 3 is a schematic structural diagram of another component of a cash string calculation system according to an embodiment of the present invention.
- FIG. 5 is a spatial distribution diagram of cash flow values according to an embodiment of the present invention.
- FIG. 6 is a two-dimensional interest cycle space model diagram provided by an embodiment of the present invention.
- FIG. 7 is an analysis diagram of a nominal cash string interest rate price spectrum provided by an embodiment of the present invention.
- FIG. 8 is an analysis diagram of an original value cash string interest rate price spectrum according to an embodiment of the present invention.
- FIG. 1 is a flowchart showing an implementation process of a cash string calculation method according to an embodiment of the present invention. The process is detailed as follows:
- Step S101 obtaining a calculation period (years), an annual interest-bearing period, a one-year central bank benchmark interest rate, a central bank benchmark interest rate corresponding to the calculation period, and a one-year consumer price index.
- the input calculation period (years) and the annual interest period are received, and the one-year central bank benchmark interest rate, the central bank benchmark interest rate corresponding to the calculation period, and the one-year consumer price index are obtained from the Internet or relevant departments. (predicted value), and calculate the interest period and one-year equivalent comprehensively according to the calculation period, the annual interest-bearing period, the one-year central bank benchmark interest rate, the central bank benchmark interest rate corresponding to the calculation period, and the one-year consumer price index.
- Interest rate, equivalent comprehensive interest rate and one-year equivalent inflation rate and output the calculation period, the central bank benchmark interest rate and the calculated interest period;
- the following formula can be used to calculate the interest period, the one-year equivalent comprehensive interest rate, the equivalent comprehensive interest rate, and the one-year equivalent inflation rate:
- n is the interest period (the number of interest periods)
- T is the calculation period (years)
- m is the number of annual interest periods (the number of interest periods in a year)
- i p1 * is the one-year equivalent comprehensive interest rate.
- r 1 represents the one-year central bank benchmark interest rate (annual interest rate)
- i p * represents the equivalent comprehensive interest rate
- r represents the central bank's benchmark interest rate (annual interest rate) in the calculation period
- f 1 ⁇ represents the one-year equivalent inflation rate.
- CPI 1 represents the one-year consumer price index (predicted value).
- Step S102 Calculate the equivalent interest rate according to the one-year equivalent comprehensive interest rate and the one-year equivalent inflation rate, and calculate the equivalent inflation rate according to the equivalent comprehensive interest rate and the calculated equivalent interest rate.
- the equivalent formula and the equivalent inflation rate can be calculated using the following formula:
- i ⁇ (i p1 * -f 1 ⁇ )/(1+f 1 ⁇ )
- i ⁇ denotes the equivalent interest rate
- i p1 * denotes the one-year equivalent comprehensive interest rate
- f 1 ⁇ denotes the one-year equivalent inflation rate
- f ⁇ represents the equivalent inflation rate
- Step S103 calculating the equivalent interest rate compounding level according to the interest period and the equivalent interest rate.
- L i represents the equivalent interest rate compounding series, which is an abbreviation of L[i ⁇ , n], and n represents the interest period.
- Step S104 calculating an equivalent inflation rate compounding series according to the interest period and the equivalent inflation rate, and outputting the calculated equivalent inflation rate compounding series.
- L f represents the equivalent inflation rate compounding series and is an abbreviation for L[f ⁇ , n].
- Step S105 calculating an equivalent comprehensive interest rate compounding series according to the interest period, the equivalent interest rate compounding series, and the equivalent inflation rate compounding series, and outputting the calculated equivalent comprehensive interest rate compounding series.
- L ⁇ represents the equivalent comprehensive interest rate compounding series, which is an abbreviation of L[i p ⁇ , n].
- Step S106 calculating an equivalent comprehensive interest rate compounding level according to the interest period and the equivalent comprehensive interest rate, and outputting the calculated equivalent comprehensive interest rate compounding series.
- L * represents the equivalent comprehensive interest rate compounding series, which is an abbreviation of L[i p * , n].
- step S107 the opening amount is obtained.
- a * represents the equal value
- Y represents the real principal of the cash string (the beginning amount)
- J * represents the value of the cash string
- n represents the interest period
- Y% represents the true principal percentage of the cash string.
- Step S108 calculating the cash string principal and its percentage according to the interest period, the cash string value, and the equivalent comprehensive interest rate compounding series, and outputting the calculated cash string principal and its percentage;
- P o represents the cash string principal
- P o % represents the cash string principal percentage
- J * represents the cash string value
- L ⁇ represents the equivalent comprehensive interest rate compounding series
- n represents the interest period.
- Step S109 calculating the cash string interest and the percentage thereof according to the interest period, the cash string value, the equivalent comprehensive interest rate compounding series, and the equivalent inflation rate compounding series, and outputting the calculated cash string interest and the percentage thereof;
- S * represents cash string interest
- S * % represents cash string interest percentage
- J * represents cash string value
- L f represents equivalent inflation rate compound interest series
- n represents interest period.
- Step S110 calculating a cash string value and a percentage thereof according to the cash string value, the cash string principal, and the cash string interest, and outputting the calculated cash string value and its percentage;
- B * represents the cash string ⁇ value
- B * % represents the cash string ⁇ value percentage
- J * represents the cash string value
- P o represents the cash string principal
- S * represents the cash string interest.
- Step S111 calculating the real interest of the cash string and the percentage thereof according to the value of the cash string, the real principal of the cash string, and the cash dividend value, and outputting the calculated real interest of the cash string and the percentage thereof.
- S x * represents the real interest of the cash string
- S x * % represents the true interest percentage of the cash string
- J * represents the cash string value
- Y represents the real principal of the cash string
- B * represents the cash string ⁇ value.
- Step S112 calculating the cash dividend and its percentage according to the true principal amount of the cash string and the percentage thereof, and the cash bundle principal and its percentage, and outputting the calculated cash dividend and its percentage;
- G o % Y%-P o %
- G o represents cash dividends
- G o % represents the percentage of cash dividends
- Y represents the true principal of the cash string
- Y% represents the true principal percentage of the cash string
- P o represents the cash string principal
- P o % represents cash The percentage of the string principal.
- the cash string calculation is the calculation of the parameters during the calculation period, the one-year central bank benchmark interest rate, the central bank benchmark interest rate corresponding to the calculation period, and the one-year consumer price index (predicted value), which was announced by the relevant government departments in the current year. Information is the basis.
- the public information published by the relevant departments especially the accuracy of the predicted value of the consumer price index, is not included in the patent for this case.
- the central bank's benchmark interest rate can be multiplied by different factors to express various forms of interest rates, such as home loan interest rates, commercial lending rates, and agricultural lending rates.
- the one-year loan interest rate was calculated.
- the conversion of the 30-year loan monthly interest rate is the equivalent comprehensive interest rate
- Calculate the one-year inflation rate f 1 0.015.
- the value of the cash string is calculated to be 21,132,280,000 yuan, of which the real principal of the cash string is 10 million yuan and its percentage is 45.59%, the cash string principal is 942.018 million yuan and its percentage is 42.95%, and the real interest of cash string is 637.845 million yuan.
- the percentage is 29.08%, the interest on cash string is 6.957.87 million yuan and its percentage is 31.72%, the cash string value is 555.4435 yuan and its percentage is 25.33%, and the cash dividend is 579.842 million yuan and its percentage is 2.644%.
- This example calculates the original value cash string price length ratio n y * :(n ⁇ -n y * ): (nn ⁇ ) is 164:105:91.
- the present value cash valence spectrum length ratio n y ⁇ :(n ⁇ -n y ⁇ ): (nn ⁇ ) is calculated as 155:114:91.
- the cash string calculation system may be a software unit, a hardware unit or a combination of hardware and software running on each terminal device (including a mobile phone, a desktop computer, a tablet computer, etc.).
- the cash string calculation system 2 includes:
- the data obtaining module 21 is configured to obtain a calculation period (years), an annual interest period, a one-year central bank benchmark interest rate, a central bank benchmark interest rate corresponding to the calculation period, and a one-year consumer price index, and are used according to the calculation period and the year.
- the interest-bearing cycle number, the central bank benchmark interest rate, and the consumer price index calculate the interest period, the one-year equivalent comprehensive interest rate, the equivalent comprehensive interest rate, and the one-year equivalent inflation rate, and output calculations.
- the equivalent interest rate and equivalent inflation rate calculation module 22 is configured to calculate the equivalent interest rate according to the one-year equivalent comprehensive interest rate and the one-year equivalent inflation rate, and is also used to calculate according to the equivalent comprehensive interest rate and the equivalent interest rate. Equivalent inflation rate
- the equivalent interest rate compounding series calculation module 23 is configured to calculate an equivalent interest rate compounding level according to the interest period and the equivalent interest rate;
- the equivalent inflation rate compounding series calculation module 24 is configured to calculate an equivalent inflation rate compounding series according to the interest period and the consumer price index, and output the calculated equivalent inflation rate compounding series;
- the equivalent comprehensive interest rate compounding series calculation module 25 is configured to calculate the equivalent comprehensive interest rate compounding series according to the interest period, the equivalent interest rate compounding series and the equivalent inflation rate compounding series, and output the calculated equivalent comprehensive synthesis.
- the equivalent comprehensive interest rate compounding series calculation module 26 is configured to calculate an equivalent comprehensive interest rate compounding level according to the interest period and the equivalent comprehensive interest rate, and output the calculated equivalent comprehensive interest rate compounding series;
- the cash string value calculation module 27 is configured to calculate an equal value according to the input value (the initial amount) and the equivalent comprehensive interest rate compounding level, and is also used to calculate the cash string value according to the interest period and the equal value, and output the real core of the cash string. (the beginning amount) and the calculated percentage of the true principal of the cash string;
- the cash string principal calculation module 28 is configured to calculate the cash string principal and its percentage according to the interest period, the cash string value, and the equivalent comprehensive interest rate compounding series, and output the calculated cash string principal and its percentage;
- the cash string interest calculation module 29 is configured to calculate the cash string interest and the percentage thereof according to the interest period, the cash string value, the equivalent comprehensive interest rate compounding series, and the equivalent inflation rate compounding series, and output the calculated cash string interest. And its percentage;
- the cash string value calculation module 30 is configured to calculate the cash string value and its percentage according to the cash string value, the cash string principal, and the cash string interest, and output the calculated cash string value and its percentage;
- the cash string real interest calculation module 31 is configured to use the cash string value, the real core of the cash string, and The cash string depreciation calculates the true interest of the cash string and its percentage, and outputs the calculated real interest of the cash string and its percentage.
- the cash flow calculation module 32 is configured to calculate the cash dividend and its percentage based on the true principal amount of the cash string and its percentage, and the cash string principal and its percentage, and output the calculated cash dividend and its percentage;
- the data acquisition module 21 calculates the interest period according to the calculation period and the number of annual interest periods; calculates the one-year equivalent comprehensive interest rate according to the annual interest period and the one-year central bank benchmark interest rate; And the corresponding central bank benchmark interest rate to calculate the equivalent comprehensive interest rate; the formula for calculating the one-year equivalent inflation rate based on the annual interest-bearing period and the one-year consumer price index is:
- n is the interest period (the number of interest periods)
- T is the calculation period (years)
- m is the number of annual interest periods (the number of interest periods in a year)
- i p1 * is the one-year equivalent comprehensive interest rate.
- r 1 represents the one-year central bank benchmark interest rate (annual interest rate)
- i p * represents the equivalent comprehensive interest rate
- r represents the central bank's benchmark interest rate (annual interest rate) in the calculation period
- f 1 ⁇ represents the one-year equivalent inflation rate.
- CPI 1 represents the predicted value of the one-year consumer price index and outputs the calculation period T and the corresponding central bank benchmark interest rate.
- the equivalent interest rate and the equivalent inflation rate calculation module 22 calculates the equivalent interest rate according to the one-year equivalent comprehensive interest rate and the one-year equivalent inflation rate, and calculates the equivalent value according to the equivalent comprehensive interest rate and the equivalent interest rate.
- the formula for inflation rate is:
- i ⁇ (i p1 * -f 1 ⁇ )/(1+f 1 ⁇ )
- i ⁇ denotes the equivalent interest rate
- i p1 * denotes the one-year equivalent comprehensive interest rate
- f 1 ⁇ denotes the one-year equivalent inflation rate
- f ⁇ denotes the equivalent inflation rate
- i p * denotes the equivalent comprehensive ratio interest rate
- the equivalent interest rate compounding series calculation module 23 calculates the interest period and the equivalent interest rate.
- the formula for the equivalent interest rate compounding series is:
- L i represents the equivalent interest rate compounding series
- n represents the interest period
- L f represents the equivalent inflation rate compounding series.
- L ⁇ represents the equivalent comprehensive interest rate compounding series.
- L * represents the equivalent comprehensive interest rate compounding series.
- the cash string value calculation module 27 calculates the equal value according to the input value (the initial amount) and the equivalent comprehensive interest rate compounding level, and calculates the cash string value and the true principal percentage of the cash string according to the interest period and the equal value, and outputs
- the formula for the true principal (initial amount) of the cash string and the calculated true principal percentage of the cash string is:
- a * represents the equal value
- Y represents the real principal of the cash string
- J * represents the value of the cash string
- Y% represents the true principal percentage of the cash string.
- the cash string principal and its percentage calculation module 28 calculate the cash string principal and its percentage according to the interest period, the cash string value, and the equivalent comprehensive interest rate compounding series, and output the calculated present.
- the formula for the gold string and its percentage is;
- P o represents the cash string principal and P o % represents the cash string principal percentage.
- the cash string interest and its percentage calculation module 29 calculates the cash string interest and its percentage according to the interest period, the cash string value, the equivalent comprehensive interest rate compounding series, and the equivalent inflation rate compounding series, and outputs the calculated value.
- the formula for the cash string interest and its percentage is:
- S * represents cash string interest and S * % represents cash string interest percentage.
- the cash string value and its percentage calculation module 30 calculates the cash string value and its percentage based on the cash string value, the cash string principal, and the cash string interest, and outputs the calculated cash string value and its percentage as:
- B * represents the cash string ⁇ value
- B * % represents the cash string ⁇ value percentage
- the cash string real interest and its percentage calculation module 31 calculates the real interest of the cash string and its percentage based on the value of the cash string, the true principal of the cash string, and the cash dividend value, and outputs the calculated real interest of the cash string and its percentage.
- the formula is:
- S x * represents the real interest of the cash string
- S x * % represents the true interest percentage of the cash string
- the cash dividend and its percentage calculation module 32 calculates the cash dividend and its percentage based on the true principal amount of the cash string and its percentage, and the cash bundle principal and its percentage, and outputs the calculated cash string flying gold and its calculated The formula for the percentage is:
- G o % Y%-P o %
- G o represents cash dividends
- G o % represents the percentage of cash dividends
- Y represents the true principal of the cash string
- Y% represents the true principal percentage of the cash string
- P o represents the cash string principal
- P o % represents cash The percentage of the string principal.
- each functional module in the embodiment may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit, and the integrated unit may be implemented in the form of hardware. It can also be implemented in the form of a software functional unit.
- the specific names of the respective functional modules are only for the purpose of distinguishing from each other, and are not intended to limit the scope of protection of the present application.
- the cash string computing system in the embodiment of the present invention as shown in FIG. 3 may include one or more processors 301 (only one is shown), one or more input devices 302 (only one is shown) One or more output devices 303 (only one shown in the figure) and memory 304.
- processors 301 only one is shown
- input devices 302 only one is shown
- output devices 303 only one shown in the figure
- memory 304 The above-described processor 301, input device 302, output device 303, and memory 304 are connected by a bus 305. among them:
- the processor 301 is configured to obtain, by using the input device 302, a calculation period, an annual interest rate period, a one-year central bank benchmark interest rate, a central bank benchmark interest rate corresponding to the calculation period, and a one-year consumer price index, and are also used according to the calculation period, The annual interest-bearing period, the central bank benchmark interest rate, the consumer price index, the calculation of the interest period, the one-year equivalent comprehensive interest rate, the equivalent comprehensive interest rate, and the one-year equivalent inflation rate, and output the calculation period through the output device 303 and Central bank benchmark interest rate;
- the processor 301 is further configured to calculate an equivalent interest rate according to the one-year equivalent comprehensive interest rate and the one-year equivalent inflation rate; calculate an equivalent inflation rate according to the equivalent comprehensive interest rate and the equivalent interest rate; according to the interest period and Equivalent interest rate calculation equivalent interest rate compound interest series; based on interest period and equivalent inflation rate Calculate the equivalent inflation rate compounding series; calculate the equivalent comprehensive interest rate compounding series according to the interest period, the equivalent interest rate compounding series and the equivalent inflation rate compounding series; calculate according to the interest period and the equivalent comprehensive interest rate The comprehensive interest rate compounding series, and outputting the calculated interest period, the equivalent inflation rate compounding series, and the uninterrupted alternating output calculation of the equivalent comprehensive interest rate compounding series and the equivalent comprehensive interest rate through the output device 303 Compound interest series, showing the cash price spectrum and flying gold phenomenon;
- the processor 301 is further configured to obtain an initial amount by using the input device 302, calculate an equal value according to the input value (the initial amount) and the equivalent comprehensive interest rate compounding level, and also calculate the cash string value according to the interest period and the equal value, and
- the output unit 303 outputs the true principal of the cash string (the initial amount) and the calculated true principal percentage of the cash string;
- the processor 301 is further configured to calculate a cash string principal and a percentage thereof according to the interest period, the cash string value, and the equivalent comprehensive interest rate compounding series, and output the calculated cash string principal and the percentage thereof through the output device 303;
- the processor 301 is further configured to calculate the cash string interest and the percentage thereof according to the interest period, the cash string value, the equivalent comprehensive interest rate compounding series, and the equivalent inflation rate compounding series, and output the calculated cash through the output device 303.
- the processor 301 is further configured to calculate a cash string 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 value and a percentage thereof through the output device 303;
- the processor 301 is further configured to calculate the real interest of the cash string and the percentage thereof according to the cash string value, the real cash of the cash string, and the cash string value, and output the calculated real interest of the cash string and the percentage thereof through the output device 303.
- the processor 301 is further configured to calculate the cash dividend and its percentage according to the true principal of the cash string and the percentage thereof, and the cash string principal and the percentage thereof, and output the calculated cash dividend and the percentage thereof through the output device 303;
- the memory 304 is configured to store the calculation period acquired by the input device 302, the annual interest cycle period, the one-year central bank benchmark interest rate, the central bank benchmark interest rate corresponding to the calculation period, and the one-year consumer price index. And the initial amount; and is also used to store the result value calculated by the processor 301, and the result value includes the interest period, the one-year equivalent comprehensive interest rate, the equivalent comprehensive interest rate, the one-year equivalent inflation rate, the equivalent interest rate, Equivalent interest rate compounding series, equivalent inflation rate, equivalent inflation rate compounding series, equivalent comprehensive interest rate compounding series, equivalent comprehensive interest rate compounding series, equal value, cash string value, cash string real principal And its percentage, cash string principal and its percentage, cash string interest and its percentage, cash string depreciation and its percentage, cash string real interest and its percentage, and cash dividends and their percentages.
- the processor 301 may be a central processing unit (CPU), and the processor may also be another general-purpose processor, a digital signal processor (DSP), and a dedicated processor.
- DSP digital signal processor
- ASIC Application Specific Integrated Circuit
- FPGA Field-Programmable Gate Array
- the general purpose processor may be a microprocessor or the processor or any conventional processor or the like.
- the input device 302 can include a touchpad, a fingerprint capture sensor (for collecting fingerprint information of the user and direction information of the fingerprint), a microphone, and the like.
- Output device 303 can include a display (LCD, etc.), a speaker, and the like.
- Memory 304 can include read only memory and random access memory and provides instructions and data to processor 301. A portion of the memory 304 may also include a non-volatile random access memory. For example, the memory 304 can also store information of the device type.
- the disclosed flying gold computing system and method may be implemented in other manners.
- the embodiments of the flying gold computing system described above are merely illustrative.
- the division of modules is only a logical function division.
- there may be another division manner for example, multiple modules or components may be combined. Or it can be integrated into another system, or some features can be ignored or not executed.
- the mutual coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection through some interface, device or unit, and may be in an electrical, mechanical or other form.
- Modules described as separate components may or may not be physically separate as a unit
- the displayed components may or may not be physical units, ie may be located in one place, or may be distributed over multiple network elements. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of the embodiment.
- each functional module in the embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.
- the cash price spectrum is a professional investment price spectrum for the promotion and promotion of the financial market and the housing mortgage loan market.
- the cash price spectrum has a variety of equipment performances such as cash string screen, cash string column, cash string ball, etc., realizing the original value of cash string real capital, real interest and depreciation price spectrum graphic display, cash string real principal, real interest and Depreciation calculation data display and display of flying gold phenomenon.
- the cash string (including the cash string and its calculation method) and its price spectrum are specifically described below:
- Money has the function of adding value over time, which is the basis for the calculation of currency interest, and the appreciation of money has a multiplication.
- Function which is the basis of monetary compounding calculation, which introduces the concept of present value (principal), value-added (interest) and final value.
- the final value of different time can be equal in value. This is the concept of currency equivalence. After a period of financial practice, the cash flow and cash flow equivalents are generated.
- the nominal interest rate of cash flow is the calculated interest rate of the cash flow equivalent.
- the real interest rate in the nominal interest rate is often constant because it represents the actual purchasing power. Therefore, it can be concluded that the nominal interest rate changes in the same direction as the inflation rate, that is, the change in the inflation rate. A change in nominal interest rates has come.
- CPI 1 is the predicted value of the one-year consumer price index
- CPI 0 is the benchmark value of the consumer price index for the previous year.
- the consumer price index CPI 1 is to select the previous year's consumer price index CPI 0 as the benchmark value of 100, so the above formula becomes:
- the consumer price index CPI 1 is not expressed by the officially announced development speed, but is expressed by the percentage of growth rate.
- the official announcement of CPI 1 102.5
- the equivalent comprehensive interest rate medium interest rate i ⁇ is constant during the calculation period (the actual interest rate does not change during the calculation period, the inflation rate changes in the same direction as the nominal interest rate), so the calculation is equivalent according to the central bank benchmark interest rate r corresponding to the calculation period.
- the comprehensive interest rate i p * and then calculate the equivalent inflation rate f ⁇ according to the equivalent interest rate i ⁇
- Cash flow has the concept of present value, equal value and final value according to the way of time flow. This is an accepted economic model that has been used by the financial community for hundreds of years. Now the cash flow is presented in a spatial manner. The concept of value (principal), full value (principal + interest), and final value (interest) transforms the time value stream into a spatial value field concept.
- the selected interest period determines the unique number of annual interest periods m.
- Its calculation is The compound interest rate is calculated as the compound interest rate, and the single-cycle final value cash flow is regarded as the equal-value cash flow under the condition that the interest period is 1.
- the calculation is the simple interest calculation of the nominal interest rate. Now the financial industry's regular savings is the single-cycle final value cash. flow.
- any funds (any time, any size) during the calculation period have a unique equal cash flow.
- the cash flow is usually an equal amount of cash flow.
- the value of cash flow is divided into three parts. The first part is the initial present value (principal P), the second part is time increment (interest S * ), and the third part is time depreciation (depreciation B * ), which can prove: cash flow first
- the distribution of the principal on the time axis is a small to large nonlinear distribution.
- the distribution of interest on the time axis is from large to small, and it is also a nonlinear distribution.
- the sum of the principal and the interest is the constant element A, and the constant element A considers the depreciation to obtain the actual element A * , which is the current time distribution of the cash flow value calculated according to the benchmark interest rate r.
- the present value of the invariant element is the value of the initial point of time (excluding the time value), that is, the principal, the value added is the difference between the value of the end of time and the value of the initial point (only time value), ie interest, Defining the value of the invariant elementary cash flow is the sum of the present value and the value added, that is, the value of the end of time. This is the value distribution of the single-interest-bearing cash flow. For the multi-interest-bearing period, the cash flow value distribution is the present value, the equal value and the current The value of gold flow.
- a discount initial point (space origin) value is the present value P, ie
- the cash flow with interest period i is n
- the cash flow with interest rate i can be regarded as two cash flows.
- One is the cash flow with the interest period of n y and the interest rate is zero, and the other is the interest period nn.
- the interest rate is infinite value-added cash flow, which is the transformation formula of the invariant cash flow value calculation process into the cash flow value storage process, which provides a theoretical basis for the spatial distribution of cash flow value.
- the cash flow consists of two parts, one is the present value cash flow (principal cash flow), and the other is the value-added cash flow (interest cash flow), the present value cash flow is in front, including the space origin, and the value-added cash flow is After that, including the end of space; they are not interchangeable before and after;
- the cash flow value J is the sum of the present value and the added value, expressed as the product of the interest period n and the equal value A.
- FIG. 6 shows an actual element (inflation currency) value distribution of a two-dimensional interest cycle space provided by an embodiment of the present invention, which is detailed as follows:
- the cash flow value J * is the product of the interest period n and the equal value A * , indicating that the cash flow value J * can be expressed by the cash flow model area, which relates the value of the dynamic simulated cash flow to its model physical space area. From cash flow to cash flow model is a shift from time value flow to spatial value distribution.
- the two-dimensional cash flow model of interest period n and equal value A * is converted into the number of interest-bearing periods n and the number of interest-bearing periods A by different benchmark interest rates (time-rated nominal interest rate r, value benchmark nominal interest rate is r a ).
- the two-dimensional interest cycle space which is the virtual space invisible to human vision, is also the real space where the cash flow intuition feels, and is transformed from an economic economic model to a physical physics model (see Figure 6).
- the spatial area of the two-dimensional interest cycle differs from the physical space area in that the former area unit is not the square of the interest period, but the interest period with the mean, that is, the interest period n with the mean A, or
- the duty cycle A of the mean n and the duality of the spatial area unit of the two-dimensional interest cycle bring about the constraint problem of the cash flow value calculated by the two-dimensional interest period space area.
- the cash flow is equivalent (the value of the different funds at different points in the constant interest rate is equal at any time during the calculation period).
- the present value P, the value added S * , the devaluation B * and the value J * evolve into two-dimensional interest. Periodic space equivalent.
- the cash flow value J * can be expressed by the two-dimensional interest period space area, but when the equivalent element is expressed by the area, there is a condition that the interest period n is constant or the equal value A * is unchanged, so
- the cash flow value J * is represented by a two-dimensional interest cycle space diagonal W ⁇ path, which has a value strength (cash flow value per unit interest period) V * , ie
- the value-added segment has a demarcation point
- the time value S * can be accumulated (the time value produces a ⁇ value), and at the end point, the time ⁇ value B * can be accumulated.
- the change real interest rate is first evolved into a constant equivalence interest rate i ⁇
- the change inflation rate is evolved into a constant equivalent inflation rate f ⁇ , ie
- the equivalent comprehensive interest rate i p * is calculated by the equivalent interest rate and the equivalent inflation rate according to the nominal interest rate r formula:
- i p * i ⁇ +f ⁇ +i ⁇ ⁇ f ⁇
- the above formula is a compound transfer calculation formula for calculating the spatial original value Y according to the constant equivalent comprehensive interest rate i p * .
- the effective value (space original value) and the invalid value (enhanced value) calculated by the equivalent comprehensive interest rate i p * are observed in the two-dimensional interest period space, and there is a vertical boundary line n y * and a horizontal boundary line. A y * , they intersect at the equivalent boundary point W y * on the diagonal, so we know that n y * is to find A y * as:
- the actual meta-equal rate i ⁇ and the equivalent inflation rate f ⁇ are synthesized into an equivalent comprehensive interest rate according to the equivalent space structure of the first value-added ⁇ value (interest ⁇ value) (see Figure 5).
- the above formula is a compound interest calculation formula for calculating the spatial present value P o according to the equivalent comprehensive interest rate i p ⁇ .
- the spatial present value P o , the time value S * and the time threshold B * are calculated by the equivalent comprehensive interest rate i p ⁇ in the two-dimensional interest period space, and there is a vertical boundary line n y ⁇ and a horizontal boundary line A. y ⁇ , they intersect at the equidistant boundary point W y ⁇ on the diagonal, so we know that n y ⁇ is to find A y ⁇ as:
- the diagonal W ⁇ (the diagonal of the present value dimension n and the value-added dimension A * ) of the two-dimensional interest period space model is a path, thereby making an artifact containing the value of money, which is called a cash string.
- the cash string there are successively sorted the spatial origin, the boundary between the effective value and the currency appreciation, the demarcation point of the currency appreciation and the currency depreciation, and the end point of the space, on which values of different nature can be gathered.
- the cash string is used to order the effective value, currency appreciation and currency depreciation in a segmented line segment.
- the above four characteristics of (a), (b), (c), and (d) of the cash flow use area to accommodate the cash flow value are also applicable to the cash string path to accommodate the cash string value, and the cash string value is the cash flow value.
- the cash string W ⁇ is the number of interest periods that can be calculated according to the path relationship. It can also calculate the interest rate i by applying the number of interest periods W ⁇ as the number of interest period cycles A * . Pw ⁇ , ie
- the total value of the funds in the former investment project is expressed by the value of the cash flow. What is the principal amount of the cash flow value, and what is the value of the increase? Only through the calculation of professionals can the answer, the customer is most concerned about how to separate the real interest and the depreciation in the added value, what is the real interest rate? Now change the cash flow to a cash string.
- the total value of the investment project funds is expressed by the value of the cash string.
- the actual principal amount of the cash string value, the actual interest amount, and the depreciation is the origin of the two-dimensional interest period space cash string. , the intersection point, the demarcation point and the relative position of the end point, the customer is easy to observe and accept, using cash strings instead of cash flow is a scientific and technological advancement.
- Natural white light can be decomposed into seven-color light, and the spectrum is formed according to the frequency.
- the value of the cash string can also be decomposed into the principal, interest and depreciation.
- the value sequence is formed according to the extreme value of the interest rate, which is called the cash string price spectrum, which is called the cash price spectrum.
- the nominal interest rate r is the constant interest rate synthesized by the constant real interest rate i and the constant inflation rate f.
- the value distribution of the invariant elementary cash flow without inflation can also be applied.
- the value distribution of the actual meta-cash flow under inflation conditions has four characteristics of (a), (b), (c), and (d) of the same value distribution, except that the value-added cash flow is transformed into Increase in value (value added + depreciation) cash flow, ie
- the cash flow time process interest period n is equivalent to the cash string space path interest period W r
- the cash flow time process interest cycle interest rate r is equivalent to the cash string space path interest
- the periodic interest rates r w which have the following equation:
- J * : P: S * : B * n: (n y r - 0): (n ⁇ -n y r ): (nn ⁇ ) (A * ⁇ 0; n ⁇ 0)
- the proportional formula is a proportional cash-price spectrum proportional formula, and the same proportional formula is obtained according to the cash flow equivalent value. Therefore, the nominal cash string price spectrum proportional formula is the cash flow price spectrum proportional formula.
- the cash string is composed of the principal cash string, the interest cash string and the depreciation cash string.
- the inflation rate f 0;
- the nominal cash string interest rate price spectrum which is determined by the actual interest rate and the inflation rate of zero or infinity, is also the cash flow rate price spectrum.
- the difference is that the former is W r and the value intensity is V * , the latter.
- the interest period is n and the equal value is A * .
- the cash string interest rate price spectrum directly shows the proportional relationship between the cash string principal, interest and depreciation.
- the cash string segmentation accommodates principal, interest and depreciation, and has a proportional formula for compound interest calculation according to the equivalent comprehensive interest rate i p ⁇ :
- J * : P o : S ⁇ : B * n: (n y ⁇ - 0): (n ⁇ - n y ⁇ ): (nn ⁇ ) (A * ⁇ 0; n ⁇ 0)
- the equivalent comprehensive interest rate i p ⁇ calculates the spatial present value P o , which is equal to the constant interest rate and the inflation rate.
- the proportional formula directly reflects the ratio of the principal, interest and depreciation in the cash flow. It is also said that the proportional formula is also the ratio of the present value of the cash price spectrum. Therefore, the present value of the cash string interest rate is the nominal cash dividend rate and the cash. Flow rate price spectrum, but their preconditions are different.
- the basic parameters of cash flow are cash flow interest period, real interest rate and inflation rate.
- the present value cash dividend rate price spectrum directly shows the relationship between cash flow principal, interest and depreciation.
- the cash string segment accommodates the real principal, real interest and depreciation, and has a proportional formula for the retransmission of the equivalent comprehensive interest rate i p * :
- J * :Y:S x * :B * n:(n y * -0):(n ⁇ -n y * ):(nn ⁇ ) (A * ⁇ 0; n ⁇ 0)
- the equivalent comprehensive interest rate i p ⁇ calculates the spatial present value P o , which is not equal to the equivalent comprehensive interest rate i p * calculates the spatial original value Y, so n y ⁇ ⁇ n y * , they
- the difference between the actual interest rate and the inflation rate under the condition of changing the equivalent comprehensive interest rate i p * reflects the ratio of real principal, real interest and depreciation in the cash string, which is called the original value of cash.
- the price spectrum is proportional.
- the cash price spectrum can be a combination of the present value cash price spectrum and the original value of the cash price spectrum, that is, the cash price spectrum is the price spectrum of the principal, the flying gold, the real interest and the depreciation, or the real principal and the dividend. , the price spectrum of interest and depreciation, their proportion is:
- the cash price spectrum As a component of the price spectrum. It shows that under the conditions of real interest rate and inflation rate, Feijin is an objective existence and a difference.
- the proportional ratio of the cash price spectrum is not the proportion of the investment price spectrum. That is, the principal and real interest cannot be present at the same time in the proportion of the investment price spectrum, and the real principal and interest cannot occur at the same time.
- Feijin can only be expressed through the "flying gold phenomenon" of Feijin crossing, which indicates that the cash price spectrum is flawed, that is, due to the two-dimensional interest period Space can not achieve flying gold crossing, bringing a two-dimensional meter The fragmentation of the cash price spectrum in the interest cycle space.
- the proportion of their origin, junction, demarcation point and end point is only related to the interest period, the actual interest rate and the inflation rate, and the true
- the size of the gold or the principal is irrelevant, so the proportion of the cash price spectrum is the basic formula of the cash price spectrum.
- the formula is established by the equal value A * ⁇ 0 and the interest period n ⁇ 0, and any one of the conditions is not satisfied.
- the proportion of the cash price spectrum does not hold.
- the cash string evolves into a time dimension.
- the cash string spectrum proportional is described by the time dimension parameter, it is not a time-price spectrum proportional nor a cash flow rate spectrum ratio. formula.
- the cash price spectrum proportional formula is described by the time dimension parameter, the space cash string length is the interest period n, and the cash string value strength is the equal value A * .
- the three cash price spectrums propose three methods for calculating the spatial origin value.
- the nominal cash price spectrum uses the nominal interest rate r to calculate the present value P, which is the result of the cash flow equivalent calculation, that is, the assumed real interest rate i and the inflation rate.
- f is the result of calculation of constant interest rate, but this constant interest rate does not exist in the activities of the financial sector.
- the principle of cash flow equivalence using the nominal interest rate r to calculate the present value P has the defect of preconditions, ie There is a defect in the nominal cash price spectrum that has the preconditions.
- the present value cash price spectrum uses the equivalent comprehensive interest rate i p ⁇ to calculate the spatial present value P o , which is in the value space field, assuming that currency inflation will only bring about currency depreciation without affecting currency appreciation, and increase the value according to the first currency.
- the original value of the cash price spectrum uses the equivalent comprehensive interest rate i p * to calculate the spatial original value Y, which is in the value space field, assuming that currency inflation brings currency depreciation and also affects currency appreciation, according to currency appreciation and currency depreciation the results of the calculation step, and therefore the space is not equal to the original value of Y space present value P o, appears spatial original value Y (true principal) and the present value of the space P o (principal) difference between G o, called fly Gold, ie
- the flying gold can be a negative value (-G o ), which is called a flying interest.
- the phenomenon of flying gold is an economic phenomenon that cannot be explained by the two-dimensional interest cycle space.
- Feijin is the invisible transmission value of the cash string superposition.
- the three cash price spectrums propose three methods for calculating the spatial origin value.
- the nominal cash price spectrum uses the nominal interest rate r to calculate the present value P, which is the result of the cash flow equivalent calculation, that is, the assumed real interest rate i and the inflation rate.
- f is the result of calculations for constant interest rates.
- the present value cash price spectrum uses the equivalent comprehensive interest rate i p ⁇ to calculate the spatial present value P o , which is in the value space field, assuming that currency inflation will only bring about currency depreciation without affecting currency appreciation, and increase the value according to the first currency.
- the original value of the cash price spectrum uses the equivalent comprehensive interest rate i p * to calculate the spatial original value Y, which is in the value space field, assuming that currency inflation brings currency depreciation and also affects currency appreciation, according to currency appreciation and currency depreciation the results of the calculation step, and therefore the space is not equal to the original value of Y space present value P o, appears spatial original value Y (true principal) and the present value of the space P o (principal) difference between G o, called fly Gold, flying gold can be a negative value (-G o ), which is called a flying interest.
- the original space value is calculated by the equivalent comprehensive interest rate i p * :
- the present value of the space is calculated by the equivalent comprehensive interest rate i p ⁇ :
- i ⁇ is a constant equivalent interest rate and f ⁇ is a constant equivalent inflation rate.
- the cash string is a spatial valence pattern with the properties of a linearly correlated superposition state
- the dead cash string is a nominal cash string where the real interest rate and inflation rate do not change. There is no flying cash; the live cash string is The original value cash string of the actual interest rate and inflation rate changes, there is flying gold.
- the cash string exists in a superposition, and the cash string is superimposed due to changes in real interest rates and inflation rates.
- the cash string has two states, one is the nominal cash string status (unchanged real interest rate and constant inflation rate), and the other is the original value cash string status (changing the actual interest rate and changing inflation) Rate), because their differences are not the same (the cash string length is the same, the value strength is the same, the equivalent interest rate (real interest rate) is the same size, the equivalent inflation rate (inflation rate) is the same size, and the interest-bearing path is the same) , but the state is different (the difference between the cash price spectrum and the flying gold). Before people can observe it, they are undetermined. It is a single state superposition.
- the nominal cash string and the original value cash string are the superimposed state of the cash string, and finally collapsed to the original value cash string.
- the difference between the nominal cash string and the original value cash string is that the former has the same real interest rate and the inflation rate remains unchanged.
- the difference between the present value cash string and the original value cash string is that the former interest-bearing path and the devaluation path are calculated separately, and the latter interest-bearing path and the devaluation path are combined and calculated, and they are different in the interest-bearing path, which brings a two-dimensional interest period.
- the value dimension changes to the original value dimension, and the value-added dimension changes to the effect value dimension. They reflect the difference of the entity and are a kind of cash string multi-body superposition.
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Claims (8)
- 一种现金串的计算方法,其特征在于,包括:获取计算期、年计息周期数、一年期央行基准利率、计算期对应的央行基准利率以及一年期居民消费价格指数,计算计息期、一年期等效综合利率、等效综合利率以及一年期等值通货膨胀率,并输出计算期、央行基准利率以及计算得到的计息期;根据所述一年期等效综合利率以及一年期等值通货膨胀率计算等值利率;根据所述等效综合利率以及等值利率计算等值通货膨胀率;根据所述计息期以及所述等值利率计算等值利率复利级数;根据所述计息期以及等值通货膨胀率计算等值通货膨胀率复利级数,并输出计算得到的等值通货膨胀率复利级数;根据所述计息期、等值利率复利级数以及等值通货膨胀率复利级数计算等值综合利率复利级数,并输出计算得到的等值综合利率复利级数;根据所述计息期以及等效综合利率计算等效综合利率复利级数,并输出计算得到的等效综合利率复利级数;根据输入值以及所述等效综合利率复利级数计算等额值,根据所述计息期、等额值计算现金串价值,并输出现金串真正本金及其计算得到的现金串真正本金百分比;根据所述计息期、现金串价值以及等值综合利率复利级数计算现金串本金及其百分比,并输出计算得到的现金串本金及其百分比;根据所述计息期、现金串价值、等值综合利率复利级数以及等值通货膨胀率复利级数计算现金串利息及其百分比,并输出计算得到的现金串利息及其百分比;根据所述现金串价值、现金串本金以及现金串利息计算现金串贬值及其百分比,并输出计算得到的现金串贬值及其百分比;根据所述现金串价值、现金串真正本金以及现金串贬值计算现金串真正利 息及其百分比,并输出计算得到的现金串真正利息及其百分比;根据所述现金串真正本金及其百分比以及现金串本金及其百分比计算现金串飞金及其百分比,并输出计算得到的现金串飞金及其百分比。
- 如权利要求1所述的方法,其特征在于,根据所述一年期等效综合利率以及一年期等值通货膨胀率计算等值利率,并根据等效综合利率以及等值利率计算等值通货膨胀率的公式为:iΔ=(ip1 *-f1 Δ)/(1+f1 Δ)fΔ=(ip *-iΔ)/(1+iΔ)其中,iΔ表示等值利率,ip1 *表示一年期等效综合利率,f1 △表示一年期等值通货膨胀率,ip *表示等效综合利率,f△表示等值通货膨胀率。
- 如权利要求1所述的方法,其特征在于,所述根据输入值(期初金额)以及所述等效综合利率复利级数计算等额值,根据所述计息期、等额值计算现金串价值,并输出现金串真正本金(期初金额)及其计算得到的现金串真正本金百分比的公式为:A*=Y/L*J*=A*×nY%=Y/J*×100%其中,A*表示等额值,Y表示真正本金,Y%表示真正本金百分比,L*表示等效综合利率复利级数,J*表示现金串价值,n表示计息期。
- 如权利要求1所述的方法,其特征在于,根据所述计息期、现金串价值以及等值综合利率复利级数、等值通货膨胀率复利级数、现金串真正本金及其百分比计算现金串本金及其百分比、利息及其百分比、贬值及其百分比、真正利息及其百分比以及飞金及其百分比,并输出计算得到的现金串本金及其百分比、利息及其百分比、贬值及其百分比、真正利息及其百分比以及飞金及其百分比的公式为;Po=J*×LΔ/n Po%=Po/J*×100%S*=J*×(Lf-LΔ)/n S*%=S*/J*×100%B*=J*-Po-S* B*%=B*/J*×100%Sx *=J*-Y-B* Sx *%=Sx */J*×100%Go=Y-Po Go%=Y%-Po%其中,J*表示现金串价值,n表示计息期,LΔ表示等值综合利率复利级数,Lf表示等值通货膨胀率复利级数,Po表示现金串本金,Po%表示现金串本金百分比,S*表示现金串利息,S*%表示现金串利息百分比,B*表示现金串贬值,B*%表示现金串贬值百分比,Sx *表示现金串真正利息,Sx *%表示现金串真正利息百分比,Go表示现金串飞金,Go%表示现金串飞金百分比,Y表示现金串真正本金,Y%表示现金串真正本金百分比。
- 一种现金串计算的系统,其特征在于,所述系统包括:数据获取模块,用于获取计算期、年计息周期数、一年期央行基准利率、一年期居民消费价格指数以及计算期对应的央行基准利率,还用于根据所述计算期、年计息周期数、一年期央行基准利率、一年期居民消费价格指数以及计算期对应的央行基准利率,计算计息期、一年期等效综合利率、一年期等值通货膨胀率及其等效综合利率,并输出计算期、央行基准利率以及计算得到的计 息期;等值利率及等值通货膨胀率计算模块,用于根据所述一年期等效综合利率以及一年期等值通货膨胀率计算等值利率,还用于根据所述等效综合利率以及等值利率计算等值通货膨胀率;等值利率复利级数计算模块,用于根据所述计息期以及所述等值利率计算等值利率复利级数;等值通货膨胀率复利级数计算模块,用于根据所述计息期以及等值通货膨胀率计算等值通货膨胀率复利级数,并输出计算得到的等值通货膨胀率复利级数;等值综合利率复利级数计算模块,用于根据所述计息期、等值利率复利级数以及等值通货膨胀率复利级数计算等值综合利率复利级数,并输出计算得到的等值综合利率复利级数;等效综合利率复利级数计算模块,用于根据所述计息期以及等效综合利率计算等效综合利率复利级数,并输出计算得到的等效综合利率复利级数;现金串价值计算模块,用于根据输入值(期初金额)以及所述等效综合利率复利级数计算等额值,还用于根据所述计息期、等额值计算现金串价值,并输出现金串真正本金(期初金额)以及计算得到的现金串真正本金百分比;现金串本金计算模块,用于根据所述计息期、现金串价值以及等值综合利率复利级数计算现金串本金及其百分比;现金串利息计算模块,用于根据所述计息期、现金串价值、等值综合利率复利级数以及等值通货膨胀率复利级数计算现金串利息及其百分比;现金串贬值计算模块,用于根据所述现金串价值、现金串本金以及现金串利息计算现金串贬值及其百分比,并输出计算得到的现金串贬值及其百分比;现金串真正利息计算模块,用于根据所述现金串价值、现金串真正本金以及现金串贬值计算现金串真正利息及其百分比,并输出计算得到的现金串真正利息及其百分比;现金串飞金计算模块,用于根据所述现金串真正本金及其百分比以及现金串本金及其百分比计算现金串飞金及其百分比,并输出计算得到的现金串飞金及其百分比。
- 如权利要求6所述的系统,其特征在于,所述等值利率及等值通货膨胀率计算模块中根据所述一年期等效综合利率以及一年期等值通货膨胀率计算等值利率,还根据所述等效综合利率以及等值利率计算等值通货膨胀率的公式为:iΔ=(ip1 *-f1 Δ)/(1+f1 Δ)fΔ=(ip *-iΔ)/(1+iΔ)其中,iΔ表示等值利率,ip1 *表示一年期等效综合利率,f1 △表示一年期等值通货膨胀率,ip *表示等效综合利率,f△表示等值通货膨胀率。
- 如权利要求6所述的系统,其特征在于,所述等值综合利率复利级数计算模块中根据所述计息期、等值利率复利级数以及等值通货膨胀率复利级数计算等值综合利率复利级数的公式为:Li=(1-(1+iΔ)Λ(-n))/iΔLf=(1-(1+fΔ)Λ(-n))/fΔLΔ=Li×Lf/n其中,Li表示等值利率复利级数,Lf表示等值通货膨胀率复利级数,LΔ表示等值综合利率复利级数,n表示计息期,iΔ表示等值利率,fΔ表示等值通货膨胀率。
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