年金终值系数公式

年金终值系数公式

短吻鳄英语-石油炼制与化工

附表一复利终值系数表

期数1%2%3%4%5%6%7%8%9%10%

11.01001.02001.03001.04001.05001.06001.07001.08001.09001.1000

21.02011.04041.06091.08161.10251.12361.14491.16641.18811.2100

31.03031.06121.09271.12491.15761.19101.22501.25971.29501.3310

41.04061.08241.12551.16991.21551.26251.31081.36051.41161.4641

51.05101.10411.15931.21671.27631.33821.40261.46931.53861.6105

61.06151.12621.19411.26531.34011.41851.50071.58691.67711.7716

71.07211.14871.22991.31591.40711.50361.60581.71381.82801.9487

81.08291.17171.26681.36861.47751.59381.71821.85091.99262.1436

91.09371.19511.30481.42331.55131.68951.83851.99902.17192.3579

101.10461.21901.34391.48021.62891.79081.96722.15892.36742.5937

111.11571.24341.38421.53951.71031.89832.10492.33162.58042.8531

121.12681.26821.42581.60101.79592.01222.25222.51822.81273.1384

131.13811.29361.46851.66511.88562.13292.40982.71963.06583.4523

141.14951.31951.51261.73171.97992.26092.57852.93723.34173.7975

151.16101.34591.55801.80092.07892.39662.75903.17223.64254.1772

161.17261.37281.60471.87302.18292.54042.95223.42593.97034.5950

171.18431.40021.65281.94792.29202.69283.15883.70004.32765.0545

181.19611.42821.70242.02582.40662.85433.37993.99604.71715.5599

191.20811.45681.75352.10682.52703.02563.61654.31575.14176.1159

201.22021.48591.80612.19112.65333.20713.86974.66105.60446.7275

211.23241.51571.86032.27882.78603.39964.14065.03386.10887.4002

221.24471.54601.91612.36992.92533.60354.43045.43656.65868.1403

231.25721.57691.97362.46473.07153.81974.74055.87157.25798.9543

241.26971.60842.03282.56333.22514.04895.07246.34127.91119.8497

251.28241.64062.09382.66583.38644.29195.42746.84858.623110.835

261.29531.67342.15662.77253.55574.54945.80747.39649.399211.918

271.30821.70692.22132.88343.73354.82236.21397.988110.24513.110

281.32131.74102.28792.99873.92015.11176.64888.627111.16714.421

291.33451.77582.35663.11874.11615.41847.11439.317312.17215.863

301.34781.81142.42733.24344.32195.74357.612310.06313.26817.449

401.48892.20803.26204.80107.040010.28614.97521.72531.40945.259

501.64462.69164.38397.106711.46718.42029.45746.90274.358117.39

601.81673.28105.891610.52018.67932.98857.946101.26176.03304.48

计算公式：复利终值系数=ni1，S=Pni1

P—现值或初始值；i—报酬率或利率；n—计息期数；S—终值或本利和

附表一复利终值系数表续表

期数12%14%15%16%18%20%24%28%32%36%

11.12001.14001.15001.16001.18001.20001.24001.28001.32001.3600

21.25441.29961.32251.34561.39241.44001.53761.63841.74241.8496

31.40491.48151.52091.56091.64301.72801.90662.09722.30002.5155

41.57351.68901.74901.81061.93882.07362.36422.68443.03603.4210

51.76231.92542.01142.10032.28782.48832.93163.43604.00754.6526

61.97382.19502.31312.43642.69962.98603.63524.39805.28996.3275

72.21072.50232.66002.82623.18553.58324.50775.62956.98268.6054

82.47602.85263.05903.27843.75894.29985.58957.20589.217011.703

92.77313.25193.51793.80304.43555.15986.93109.223412.16715.917

103.10583.70724.04564.41145.23386.19178.594411.80616.06021.647

113.47854.22624.65245.11736.17597.430110.65715.11221.19929.439

123.89604.81795.35035.93607.28768.916113.21519.34327.98340.038

134.36355.49246.15286.88588.599410.69916.38624.75936.93754.451

144.88716.26137.07577.987510.14712.83920.31931.69148.75774.053

155.47367.13798.13719.265511.97415.40725.19640.56564.359100.71

166.13048.13729.357610.74814.12918.48831.24351.92384.954136.97

176.86609.276510.76112.46816.67222.18638.74166.461112.14186.28

187.690010.57512.37614.46319.67326.62348.03985.071148.02253.34

198.612812.05614.23216.77723.21431.94859.568108.89195.39344.54

209.646313.74416.36719.46127.39338.33873.864139.38257.92468.57

2110.80415.66818.82222.57532.32446.00591.592178.41340.45637.26

2212.10017.86121.64526.18638.14255.206113.57228.36449.39866.67

2313.55220.36224.89230.37645.00866.247140.83292.30593.201178.7

2415.17923.21228.62535.23653.10979.497174.63374.14783.021603.0

2517.00026.46232.91940.87462.66995.396216.54478.901033.62180.1

2619.04030.16737.85747.41473.949114.48268.51613.001364.32964.9

2721.32534.39043.53555.00087.260137.37332.96784.641800.94032.3

2823.88439.20550.06663.800102.97164.84412.861004.32377.25483.9

2926.75044.69357.57674.009121.50197.81511.951285.63137.97458.1

3029.96050.95066.21285.850143.37237.38634.821645.54142.110143

4093.051188.88267.86378.72750.381469.85455.91942766521*

50289.00700.231083.71670.73927.49100.446890***

60897.602595.94384.07370.22055556348****

注：*〉99999

计算公式：复利终值系数=ni1，S=Pni1

P—现值或初始值

i—报酬率或利率

n—计息期数

S—终值或本利和

附表二复利现值系数表

期数1%2%3%4%5%6%7%8%9%10%

10.99010.98040.97090.96150.95240.94340.93460.92590.91740.9091

20.98030.96120.94260.92460.90700.89000.87340.85730.84170.8264

30.97060.94230.91510.88900.86380.83960.81630.79380.77220.7513

40.96100.92380.88850.85480.82270.79210.76290.73500.70840.6830

50.95150.90570.86260.82190.78350.74730.71300.68060.64990.6209

60.94200.88800.83750.79030.74620.70500.66630.63020.59630.5645

70.93270.87060.81310.75990.71070.66510.62270.58350.54700.5132

80.92350.85350.78940.73070.67680.62740.58200.54030.50190.4665

90.91430.83680.76640.70260.64460.59190.54390.50020.46040.4241

100.90530.82030.74410.67560.61390.55840.50830.46320.42240.3855

110.89630.80430.72240.64960.58470.52680.47510.42890.38750.3505

120.88740.78850.70140.62460.55680.49700.44400.39710.35550.3186

130.87870.77300.68100.60060.53030.46880.41500.36770.32620.2897

140.87000.75790.66110.57750.50510.44230.38780.34050.29920.2633

150.86130.74300.64190.55530.48100.41730.36240.31520.27450.2394

160.85280.72840.62320.53390.45810.39360.33870.29190.25190.2176

170.84440.71420.60500.51340.43630.37140.31660.27030.23110.1978

180.83600.70020.58740.49360.41550.35030.29590.25020.21200.1799

190.82770.68640.57030.47460.39570.33050.27650.23170.19450.1635

200.81950.67300.55370.45640.37690.31180.25840.21450.17840.1486

210.81140.65980.53750.43880.35890.29420.24150.19870.16370.1351

220.80340.64680.52190.42200.34180.27750.22570.18390.15020.1228

230.79540.63420.50670.40570.32560.26180.21090.17030.13780.1117

240.78760.62170.49190.39010.31010.24700.19710.15770.12640.1015

250.77980.60950.47760.37510.29530.23300.18420.14600.11600.0923

260.77200.59760.46370.36070.28120.21980.17220.13520.10640.0839

270.76440.58590.45020.34680.26780.20740.16090.12520.09760.0763

280.75680.57440.43710.33350.25510.19560.15040.11590.08950.0693

290.74930.56310.42430.32070.24290.18460.14060.10730.08220.0630

300.74190.55210.41200.30830.23140.17410.13140.09940.07540.0573

350.70590.50000.35540.25340.18130.13010.09370.06760.04900.0356

400.67170.45290.30660.20830.14200.09720.06680.04600.03180.0221

450.63910.41020.26440.17120.11130.07270.04760.03130.02070.0137

500.60800.37150.22810.14070.08720.05430.03390.02130.01340.0085

550.57850.33650.19680.11570.06830.04060.02420.01450.00870.0053

注：

计算公式：复利现值系数=-ni1，P=

ni1

S



=S-ni1

P—现值或初始值；i—报酬率或利率；n—计息期数；S—终值或本利和

附表二复利现值系数表续表

期数12%14%15%16%18%20%24%28%32%36%

10.89290.87720.86960.86210.84750.83330.80650.78130.75760.7353

20.79720.76950.75610.74320.71820.69440.65040.61040.57390.5407

30.71180.67500.65750.64070.60860.57870.52450.47680.43480.3975

40.63550.59210.57180.55230.51580.48230.42300.37250.32940.2923

50.56740.51940.49720.47610.43710.40190.34110.29100.24950.2149

60.50660.45560.43230.41040.37040.33490.27510.22740.18900.1580

70.45230.39960.37590.35380.31390.27910.22180.17760.14320.1162

80.40390.35060.32690.30500.26600.23260.17890.13880.10850.0854

90.36060.30750.28430.26300.22550.19380.14430.10840.08220.0628

100.32200.26970.24720.22670.19110.16150.11640.08470.06230.0462

110.28750.23660.21490.19540.16190.13460.09380.06620.04720.0340

120.25670.20760.18690.16850.13720.11220.07570.05170.03570.0250

130.22920.18210.16250.14520.11630.09350.06100.04040.02710.0184

140.20460.15970.14130.12520.09850.07790.04920.03160.02050.0135

150.18270.14010.12290.10790.08350.06490.03970.02470.01550.0099

160.16310.12290.10690.09300.07080.05410.03200.01930.01180.0073

170.14560.10780.09290.08020.06000.04510.02580.01500.00890.0054

180.13000.09460.08080.06910.05080.03760.02080.01180.00680.0039

190.11610.08290.07030.05960.04310.03130.01680.00920.00510.0029

200.10370.07280.06110.05140.03650.02610.01350.00720.00390.0021

210.09260.06380.05310.04430.03090.02170.01090.00560.00290.0016

220.08260.05600.04620.03820.02620.01810.00880.00440.00220.0012

230.07380.04910.04020.03290.02220.01510.00710.00340.00170.0008

240.06590.04310.03490.02840.01880.01260.00570.00270.00130.0006

250.05880.03780.03040.02450.01600.01050.00460.00210.00100.0005

260.05250.03310.02640.02110.01350.00870.00370.00160.00070.0003

270.04690.02910.02300.01820.01150.00730.00300.00130.00060.0002

280.04190.02550.02000.01570.00970.00610.00240.00100.00040.0002

290.03740.02240.01740.01350.00820.00510.00200.00080.00030.0001

300.03340.01960.01510.01160.00700.00420.00160.00060.00020.0001

350.01890.01020.00750.00550.00300.00170.00050.00020.0001*

400.01070.00530.00370.00260.00130.00070.00020.0001**

450.00610.00270.00190.00130.00060.00030.0001***

500.00350.00140.00090.00060.00030.0001****

550.00200.00070.00050.00030.0001*****

注：*<0.0001

计算公式：复利现值系数=-ni1，P=

ni1

S



=S-ni1

P—现值或初始值；i—报酬率或利率；n—计息期数；S—终值或本利和

附表三年金终值系数表

期数1%2%3%4%5%6%7%8%9%10%

11.00001.00001.00001.00001.00001.00001.00001.00001.00001.0000

22.01002.02002.03002.04002.05002.06002.07002.08002.09002.1000

33.03013.06043.09093.12163.15253.18363.21493.24643.27813.3100

44.06044.12164.18364.24654.31014.37464.43994.50614.57314.6410

55.10105.20405.30915.41635.52565.63715.75075.86665.98476.1051

66.15206.30816.46846.63306.80196.97537.15337.33597.52337.7156

77.21357.43437.66257.89838.14208.39388.65408.92289.20049.4872

88.28578.58308.89239.21429.54919.897510.26010.63711.02911.436

99.36859.754610.15910.58311.02711.49111.97812.48813.02113.580

1010.46210.95011.46412.00612.57813.18113.81614.48715.19315.937

1111.56712.16912.80813.48614.20714.97215.78416.64617.56018.531

1212.68313.41214.19215.02615.91716.87017.88918.97720.14121.384

1313.80914.68015.61816.62717.71318.88220.14121.49522.95324.523

1414.94715.97417.08618.29219.59921.01522.55124.21526.01927.975

1516.09717.29318.59920.02421.57923.27625.12927.15229.36131.773

1617.25818.63920.15721.82523.65825.67327.88830.32433.00335.950

1718.43020.01221.76223.69825.84028.21330.84033.75036.97440.545

1819.61521.41223.41425.64528.13230.90633.99937.45041.30145.599

1920.81122.84125.11727.67130.53933.76037.37941.44646.01951.159

2022.01924.29726.87029.77833.06636.78640.99645.76251.16057.275

2123.23925.78328.67731.96935.71939.99344.86550.42356.76564.003

2224.47227.29930.53734.24838.50543.39249.00655.45762.87371.403

2325.71628.84532.45336.61841.43146.99653.43660.89369.53279.543

2426.97430.42234.42739.08344.50250.81658.17766.76576.79088.497

2528.24332.03036.45941.64647.72754.86563.24973.10684.70198.347

2629.52633.67138.55344.31251.11459.15668.67779.95493.324109.18

2730.82135.34440.71047.08454.66963.70674.48487.351102.72121.10

2832.12937.05142.93149.96858.40368.52880.69895.339112.97134.21

2933.45038.79245.21952.96662.32373.64087.347103.97124.14148.63

3034.78540.56847.57556.08566.43979.05894.461113.28136.31164.49

4048.88660.40275.40195.026120.80154.76199.64259.06337.88442.59

5064.46384.579112.80152.67209.35290.34406.53573.77815.081163.9

6081.670114.05163.05237.99353.58533.13813.521253.21944.83034.8

注：

计算公式：年金终值系数=



i

1i1n

，S=A



i

1i1n

A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；S—年金终值或本利和

附表三年金终值系数表续表

期数12%14%15%16%18%20%24%28%32%36%

11.00001.00001.00001.00001.00001.00001.00001.00001.00001.0000

22.12002.14002.15002.16002.18002.20002.24002.28002.32002.3600

33.37443.43963.47253.50563.57243.64003.77763.91844.06244.2096

44.77934.92114.99345.06655.21545.36805.68426.01566.36246.7251

56.35286.61016.74246.87717.15427.44168.04848.69999.398310.146

68.11528.53558.75378.97759.44209.929910.98012.13613.40614.799

710.08910.73111.06711.41412.14212.91614.61516.53418.69621.126

812.30013.23313.72714.24015.32716.49919.12322.16325.67829.732

914.77616.08516.78617.51919.08620.79924.71329.36934.89541.435

1017.54919.33720.30421.32223.52125.95931.64338.59347.06257.352

1120.65523.04524.34925.73328.75532.15040.23850.39963.12278.998

1224.13327.27129.00230.85034.93139.58150.89565.51084.320108.44

1328.02932.08934.35236.78642.21948.49764.11084.853112.30148.48

1432.39337.58140.50543.67250.81859.19680.496109.61149.24202.93

1537.28043.84247.58051.66060.96572.035100.82141.30198.00276.98

1642.75350.98055.71860.92572.93987.442126.01181.87262.36377.69

1748.88459.11865.07571.67387.068105.93157.25233.79347.31514.66

1855.75068.39475.83684.141103.74128.12195.99300.25459.45700.94

1963.44078.96988.21298.603123.41154.74244.03385.32607.47954.28

2072.05291.025102.44115.38146.63186.69303.60494.21802.861298.8

2181.699104.77118.81134.84174.02225.03377.46633.591060.81767.4

2292.503120.44137.63157.42206.34271.03469.06812.001401.22404.7

23104.60138.30159.28183.60244.49326.24582.631040.41850.63271.3

24118.16158.66184.17213.98289.49392.48723.461332.72443.84450.0

25133.33181.87212.79249.21342.60471.98898.091706.83226.86053.0

26150.33208.33245.71290.09405.27567.381114.62185.74260.48233.1

27169.37238.50283.57337.50479.22681.851383.12798.75624.811198

28190.70272.89327.10392.50566.48819.221716.13583.37425.715230

29214.58312.09377.17456.30669.45984.072129.04587.79802.920714

30241.33356.79434.75530.31790.951181.92640.95873.21294128172

40767.091342.01779.12360.84163.27343.922729693772

502400.04994.57217.79103**

607471.61733****

注：*>999999.99

计算公式：年金终值系数=



i

1i1n

，S=A



i

1i1n

A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；S—年金终值或本利和

附表四年金现值系数表

期数1%2%3%4%5%6%7%8%9%10%

10.99010.98040.97090.96150.95240.94340.93460.92590.91740.9091

21.97041.94161.91351.88611.85941.83341.80801.78331.75911.7355

32.94102.88392.82862.77512.72322.67302.62432.57712.53132.4869

43.90203.80773.71713.62993.54603.46513.38723.31213.23973.1699

54.85344.71354.57974.45184.32954.21244.10023.99273.88973.7908

65.79555.60145.41725.24215.07574.91734.76654.62294.48594.3553

76.72826.47206.23036.00215.78645.58245.38935.20645.03304.8684

87.65177.32557.01976.73276.46326.20985.97135.74665.53485.3349

98.56608.16227.78617.43537.10786.80176.51526.24695.99525.7590

109.47138.98268.53028.11097.72177.36017.02366.71016.41776.1446

1110.36769.78689.25268.76058.30647.88697.49877.13906.80526.4951

1211.255110.57539.95409.38518.86338.38387.94277.53617.16076.8137

1312.133711.348410.63509.98569.39368.85278.35777.90387.48697.1034

1413.003712.106211.296110.56319.89869.29508.74558.24427.78627.3667

1513.865112.849311.937911.118410.37979.71229.10798.55958.06077.6061

1614.717913.577712.561111.652310.837810.10599.44668.85148.31267.8237

1715.562314.291913.166112.165711.274110.47739.76329.12168.54368.0216

1816.398314.992013.753512.659311.689610.827610.05919.37198.75568.2014

1917.226015.678514.323813.133912.085311.158110.33569.60368.95018.3649

2018.045616.351414.877513.590312.462211.469910.59409.81819.12858.5136

2118.857017.011215.415014.029212.821211.764110.835510.01689.29228.6487

2219.660417.658015.936914.451113.163012.041611.061210.20079.44248.7715

2320.455818.292216.443614.856813.488612.303411.272210.37119.58028.8832

2421.243418.913916.935515.247013.798612.550411.469310.52889.70668.9847

2522.023219.523517.413115.622114.093912.783411.653610.67489.82269.0770

2622.795220.121017.876815.982814.375213.003211.825810.81009.92909.1609

2723.559620.706918.327016.329614.643013.210511.986710.935210.02669.2372

2824.316421.281318.764116.663114.898113.406212.137111.051110.11619.3066

2925.065821.844419.188516.983715.141113.590712.277711.158410.19839.3696

3025.807722.396519.600417.292015.372513.764812.409011.257810.27379.4269

3529.408624.998621.487218.664616.374214.498212.947711.654610.56689.6442

4032.834727.355523.114819.792817.159115.046313.331711.924610.75749.7791

4536.094529.490224.518720.720017.774115.455813.605512.108410.88129.8628

5039.196131.423625.729821.482218.255915.761913.800712.233510.96179.9148

5542.147233.174826.774422.108618.633515.990513.939912.318611.01409.9471

注：

计算公式：年金现值系数=



i

i11n-

，P=A



i

i11n-

A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；P—年金现值或本利和

附表四年金现值系数表续表

期数12%14%15%16%18%20%24%28%32%36%

10.89290.87720.86960.86210.84750.83330.80650.78130.75760.7353

21.69011.64671.62571.60521.56561.52781.45681.39161.33151.2760

32.40182.32162.28322.24592.17432.10651.98131.86841.76631.6735

43.03732.91372.85502.79822.69012.58872.40432.24102.09571.9658

53.60483.43313.35223.27433.12722.99062.74542.53202.34522.1807

64.11143.88873.78453.68473.49763.32553.02052.75942.53422.3388

74.56384.28834.16044.03863.81153.60463.24232.93702.67752.4550

84.96764.63894.48734.34364.07763.83723.42123.07582.78602.5404

95.32824.94644.77164.60654.30304.03103.56553.18422.86812.6033

105.65025.21615.01884.83324.49414.19253.68193.26892.93042.6495

115.93775.45275.23375.02864.65604.32713.77573.33512.97762.6834

126.19445.66035.42065.19714.79324.43923.85143.38683.01332.7084

136.42355.84245.58315.34234.90954.53273.91243.42723.04042.7268

146.62826.00215.72455.46755.00814.61063.96163.45873.06092.7403

156.81096.14225.84745.57555.09164.67554.00133.48343.07642.7502

166.97406.26515.95425.66855.16244.72964.03333.50263.08822.7575

177.11966.37296.04725.74875.22234.77464.05913.51773.09712.7629

187.24976.46746.12805.81785.27324.81224.07993.52943.10392.7668

197.36586.55046.19825.87755.31624.84354.09673.53863.10902.7697

207.46946.62316.25935.92885.35274.86964.11033.54583.11292.7718

217.56206.68706.31255.97315.38374.89134.12123.55143.11582.7734

227.64466.74296.35876.01135.40994.90944.13003.55583.11802.7746

237.71846.79216.39886.04425.43214.92454.13713.55923.11972.7754

247.78436.83516.43386.07265.45094.93714.14283.56193.12102.7760

257.84316.87296.46416.09715.46694.94764.14743.56403.12202.7765

267.89576.90616.49066.11825.48044.95634.15113.56563.12272.7768

277.94266.93526.51356.13645.49194.96364.15423.56693.12332.7771

287.98446.96076.53356.15205.50164.96974.15663.56793.12372.7773

298.02186.98306.55096.16565.50984.97474.15853.56873.12402.7774

308.05527.00276.56606.17725.51684.97894.16013.56933.12422.7775

358.17557.07006.61666.21535.53864.99154.16443.57083.12482.7777

408.24387.10506.64186.23355.54824.99664.16593.57123.12502.7778

458.28257.12326.65436.24215.55234.99864.16643.57143.12502.7778

508.30457.13276.66056.24635.55414.99954.16663.57143.12502.7778

558.31707.13766.66366.24825.55494.99984.16663.57143.12502.7778

注：

计算公式：年金现值系数=



i

i11n-

，P=A



i

i11n-

A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；P—年金现值或本利和

附表五自然对数表

N

1.00.00000.01000.01980.02960.03920.04880.05830.06770.07700.0862

1.10.09530.10440.11330.12220.13100.13980.14840.15700.16550.1740

1.20.18230.19060.19890.20700.21510.22310.23110.23900.24690.2546

1.30.26240.27000.27760.28520.29270.30010.30750.31480.32210.3293

1.40.33650.34360.35070.35770.36460.37160.37840.38530.39200.3988

1.50.40550.41210.41870.42530.43180.43830.44470.45110.45740.4637

1.60.47000.47620.48240.48860.49470.50080.50680.51280.51880.5247

1.70.53060.53650.54230.54810.55390.55960.56530.57100.57660.5822

1.80.58780.59330.59880.60430.60980.61520.62060.62590.63130.6366

1.90.64190.64710.65230.65750.66270.66780.67290.67800.68310.6881

2.00.69310.69810.70310.70800.71290.71780.72270.72750.73240.7372

2.10.74190.74670.75140.75610.76080.76550.77010.77470.77930.7839

2.20.78850.79300.79750.80200.80650.81090.81540.81980.82420.8286

2.30.83290.83720.84160.84590.85020.85440.85870.86290.86710.8713

2.40.87550.87960.88380.88790.89200.89610.90020.90420.90830.9123

2.50.91630.92030.92430.92820.93220.93610.94000.94390.94780.9517

2.60.95550.95940.96320.96700.97080.97460.97830.98210.98580.9895

2.70.99330.99691.00061.00431.00801.01161.01521.01881.02251.0260

2.81.02961.03321.03671.04031.04381.04731.05081.05431.05781.0613

2.91.06471.06821.07161.07501.07841.08181.08521.08861.09191.0953

3.01.09861.10191.10531.10861.11191.11511.11841.12171.12491.1282

3.11.13141.13461.13781.14101.14421.14741.15061.15371.15691.1600

3.21.16321.16631.16941.17251.17561.17871.18171.18481.18781.1909

3.31.19391.19691.20001.20301.20601.20901.21191.21491.21791.2208

3.41.22381.22671.22961.23261.23551.23841.24131.24421.24701.2499

3.51.25281.25561.25851.26131.26411.26691.26981.27261.27541.2782

3.61.28091.28371.28651.28921.29201.29471.29751.30021.30291.3056

3.71.30831.31101.31371.31641.31911.32181.32441.32711.32971.3324

3.81.33501.33761.34031.34291.34551.34811.35071.35331.35581.3584

3.91.36101.36351.36611.36861.37121.37371.37621.37881.38131.3838

4.01.38631.38881.39131.39381.39621.39871.40121.40361.40611.4085

4.11.41101.41341.41591.41831.42071.42311.42551.42791.43031.4327

4.21.43511.43751.43981.44221.44461.44691.44931.45161.45401.4563

4.31.45861.46091.46331.46561.46791.47021.47251.47481.47701.4793

4.41.48161.48391.48611.48841.49071.49291.49511.49741.49961.5019

4.51.50411.50631.50851.51071.51291.51511.51731.51951.52171.5239

4.61.52611.52821.53041.53261.53471.53691.53901.54121.54331.5454

4.71.54761.54971.55181.55391.55601.55811.56021.56231.56441.5665

4.81.56861.57071.57281.57481.57691.57901.58101.58311.58511.5872

4.91.58921.59131.59331.59531.59741.59941.60141.60341.60541.6074

5.01.60941.61141.61341.61541.61741.61941.62141.62331.62531.6273

5.11.62921.63121.63321.63511.63711.63901.64091.64291.64481.6467

5.21.64871.65061.65251.65441.65631.65821.66011.66201.66391.6658

5.31.66771.66961.67151.67341.67521.67711.67901.68081.68271.6845

5.41.68641.68821.69011.69191.69381.69561.69741.69931.70111.7029

5.51.70471.70661.70841.71021.71201.71381.71561.71741.71921.7210

5.61.72281.72461.72631.72811.72991.73171.73341.73521.73701.7387

5.71.74051.74221.74401.74571.74751.74921.75091.75271.75441.7561

5.81.75791.75961.76131.76301.76471.76641.76811.76991.77161.7733

注：

计算公式：自然对数值=lnN。表示以自然数e为底，N的对数值。

如N=5.83，则查纵列5.8横列3对应的数值，即ln(5.83)=1.7630。

附表五自然对数表续表

N

5.91.77501.77661.77831.78001.78171.78341.78511.78671.78841.7901

6.01.79181.79341.79511.79671.79841.80011.80171.80341.80501.8066

6.11.80831.80991.81161.81321.81481.81651.81811.81971.82131.8229

6.21.82451.82621.82781.82941.83101.83261.83421.83581.83741.8390

6.31.84051.84211.84371.84531.84691.84851.85001.85161.85321.8547

6.41.85631.85791.85941.86101.86251.86411.86561.86721.86871.8703

6.51.87181.87331.87491.87641.87791.87951.88101.88251.88401.8856

6.61.88711.88861.89011.89161.89311.89461.89611.89761.89911.9006

6.71.90211.90361.90511.90661.90811.90951.91101.91251.91401.9155

6.81.91691.91841.91991.92131.92281.92421.92571.92721.92861.9301

6.91.93151.93301.93441.93591.93731.93871.94021.94161.94301.9445

7.01.94591.94731.94881.95021.95161.95301.95441.95591.95731.9587

7.11.96011.96151.96291.96431.96571.96711.96851.96991.97131.9727

7.21.97411.97551.97691.97821.97961.98101.98241.98381.98511.9865

7.31.98791.98921.99061.99201.99331.99471.99611.99741.99882.0001

7.42.00152.00282.00422.00552.00692.00822.00962.01092.01222.0136

7.52.01492.01622.01762.01892.02022.02152.02292.02422.02552.0268

7.62.02812.02952.03082.03212.03342.03472.03602.03732.03862.0399

7.72.04122.04252.04382.04512.04642.04772.04902.05032.05162.0528

7.82.05412.05542.05672.05802.05922.06052.06182.06312.06432.0656

7.92.06692.06812.06942.07072.07192.07322.07442.07572.07692.0782

8.02.07942.08072.08192.08322.08442.08572.08692.08822.08942.0906

8.12.09192.09312.09432.09562.09682.09802.09922.10052.10172.1029

8.22.10412.10542.10662.10782.10902.11022.11142.11262.11382.1150

8.32.11632.11752.11872.11992.12112.12232.12352.12472.12582.1270

8.42.12822.12942.13062.13182.13302.13422.13532.13652.13772.1389

8.52.14012.14122.14242.14362.14482.14592.14712.14832.14942.1506

8.62.15182.15292.15412.15522.15642.15762.15872.15992.16102.1622

8.72.16332.16452.16562.16682.16792.16912.17022.17132.17252.1736

8.82.17482.17592.17702.17822.17932.18042.18152.18272.18382.1849

8.92.18612.18722.18832.18942.19052.19172.19282.19392.19502.1961

9.02.19722.19832.19942.20062.20172.20282.20392.20502.20612.2072

9.12.20832.20942.21052.21162.21272.21382.21482.21592.21702.2181

9.22.21922.22032.22142.22252.22352.22462.22572.22682.22792.2289

9.32.23002.23112.23222.23322.23432.23542.23642.23752.23862.2396

9.42.24072.24182.24282.24392.24502.24602.24712.24812.24922.2502

9.52.25132.25232.25342.25442.25552.25652.25762.25862.25972.2607

9.62.26182.26282.26382.26492.26592.26702.26802.26902.27012.2711

9.72.27212.27322.27422.27522.27622.27732.27832.27932.28032.2814

9.82.28242.28342.28442.28542.28652.28752.28852.28952.29052.2915

9.92.29252.29352.29462.29562.29662.29762.29862.29962.30062.3016

10.02.30262.30362.30462.30562.30662.30762.30862.30962.31062.3115

注：

计算公式：自然对数值=lnN。表示以自然数e为底，N的对数值。

如N=9.83，则查纵列9.8横列3对应的数值，即ln(9.83)=2.2854。

附表六正态分布下的累积概率[N（d）]

（即变量取值小于其均值与d个标准差之和的概率）

X/σ0.000.010.020.030.040.050.060.070.080.09

0.00.50000.50400.50800.51200.51600.51990.52390.52790.53190.5359

0.10.53980.54380.54780.55170.55570.55960.56360.56750.57140.5753

0.20.57930.58320.58710.59100.59480.59870.60260.60640.61030.6141

0.30.61790.62170.62550.62930.63310.63680.64060.64430.68440.6517

0.40.65540.65910.66280.66640.67000.67360.67720.68080.71900.6879

0.50.69150.69500.69850.70190.70540.70880.71230.71570.75170.7224

0.60.72750.72910.73240.73570.73890.74220.74540.74860.78230.7549

0.70.75800.76110.76420.76730.77040.77340.77640.77940.81060.7852

0.80.78810.79100.79390.79670.79950.80230.80510.80780.83650.8133

0.90.81590.81860.82120.82380.82640.82890.83150.83400.85990.8389

1.00.84130.84380.84610.84850.85080.85310.85540.85770.88100.8621

1.10.86430.86650.86860.87080.87290.87490.87700.87900.89970.8830

1.20.88490.88690.88880.89070.89250.89440.89620.89800.91620.9015

1.30.90320.90490.90660.90820.90990.91150.91310.91470.93060.9177

1.40.91920.92070.92220.92360.92510.92650.92790.92920.94290.9319

1.50.93320.93450.93570.93700.93820.93940.94060.94180.95350.9441

1.60.94520.94630.94740.94840.94950.95050.95150.95250.96250.9545

1.70.95540.95640.95730.95820.95910.95990.96080.96160.96990.9633

1.80.96410.96490.96560.96640.96710.96780.96860.96930.97610.9706

1.90.97130.97190.97260.97320.97380.97440.97500.97560.98120.9767

2.00.97720.97780.97830.97880.97930.97980.98030.98080.98540.9817

2.10.98210.98260.98300.98340.98380.98420.98460.98500.98870.9857

2.20.98610.98640.98680.98710.98750.98780.98810.98840.99130.9890

2.30.98930.98960.98980.99010.99040.99060.99090.99110.99340.9916

2.40.99180.99200.99220.99250.99270.99290.99310.99320.99510.9936

2.50.99380.99400.99410.99430.99450.99460.99480.99490.99630.9952

2.60.99530.99550.99560.99570.99590.99600.99610.99620.99730.9964

2.70.99650.99660.99670.99680.99690.99700.99710.99720.99800.9974

2.80.99740.99750.99760.99770.99770.99780.99790.99790.99860.9981

2.90.99810.99820.99820.99830.99840.99840.99850.99850.99900.9986

3.00.99870.99870.99870.99880.99880.99890.99890.99891.12490.9990

4.01.00001.00001.00001.00001.00001.00001.00001.00001.00001.0000

5.01.00001.00001.00001.00001.00001.00001.00001.00001.00001.0000

注：例如，d=0.22，则N（d）=0.5871，即正态分布变量有0.5871的可能取值小于其均值与0.22

个标准差之和。

附表七rte的值：1元的连续复利终值

r

01%2%3%4%5%6%7%8%9%10%

11.01011.02021.03051.04081.05131.06181.07251.08331.09421.1052

21.02021.04081.06181.08331.10521.12751.15031.17351.19721.2214

31.03051.06181.09421.12751.16181.19721.23371.27121.31001.3499

41.04081.08331.12751.17351.22141.27121.32311.37711.43331.4918

51.05131.10521.16181.22141.28401.34991.41911.49181.56831.6487

61.06181.12751.19721.27121.34991.43331.52201.61611.71601.8221

71.07251.15031.23371.32311.41911.52201.63231.75071.87762.0138

81.08331.17351.27121.37711.49181.61611.75071.89652.05442.2255

91.09421.19721.31001.43331.56831.71601.87762.05442.24792.4596

101.10521.22141.34991.49181.64871.82212.01382.22552.45962.7183

111.11631.24611.39101.55271.73331.93482.15982.41092.69123.0042

121.12751.27121.43331.61611.82212.05442.31642.61172.94473.3201

131.13881.29691.47701.68201.91552.18152.48432.82923.22203.6693

141.15031.32311.52201.75072.01382.31642.66453.06493.52544.0552

151.16181.34991.56831.82212.11702.45962.85773.32013.85744.4817

161.17351.37711.61611.89652.22552.61173.06493.59664.22074.9530

171.18531.40491.66531.97392.33962.77323.28713.89624.61825.4739

181.19721.43331.71602.05442.45962.94473.52544.22075.05316.0496

191.20921.46231.76832.13832.58573.12683.78104.57225.52906.6859

201.22141.49181.82212.22552.71833.32014.05524.95306.04967.3891

211.23371.52201.87762.31642.85773.52544.34925.36566.61948.1662

221.24611.55271.93482.41093.00423.74344.66465.81247.24279.0250

231.25861.58411.99372.50933.15823.97495.00286.29657.92489.9742

241.27121.61612.05442.61173.32014.22075.36566.82108.671111.0232

251.28401.64872.11702.71833.49034.48175.75467.38919.487712.1825

261.29691.68202.18152.82923.66934.75886.17198.004510.381213.4637

271.31001.71602.24792.94473.85745.05316.61948.671111.358914.8797

281.32311.75072.31643.06494.05525.36567.09939.393312.428616.4446

291.33641.78602.38693.18994.26315.69737.614110.175713.599118.1741

301.34991.82212.45963.32014.48176.04968.166211.023214.879720.0855

351.41912.01382.85774.05525.75468.166211.588316.444623.336133.1155

401.49182.22553.32014.95307.389111.023216.444624.532536.598254.5982

451.56832.45963.85746.04969.487714.879723.336136.598257.397590.0171

501.64872.71834.48177.389112.182520.085533.115554.598290.0171148.4132

551.73333.00425.20709.025015.642627.112646.993181.4509141.1750244.6919

601.82213.32016.049611.023220.085536.598266.6863121.5104221.4064403.4288

注：计算公式：连续复利终值=rte。例如，以10%的年利率连续复利，则今天投资1元，1年末的价

值为1.1052元，2年末的价值为1.2214元。