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1、 复利现值系数-详解 复利现值系数（present-value interest factor）目录 1 什么是复利现值系数 2 复利现值系数的运用 3 复利现值系数表1 4 参考文献 5 相关条目什么是复利现值系数复利现值是复利终值的对称概念，指未来一定时间的特定资金按复利计算的现在价值，或者说是为取得将来一定复利现值系数本利和现在所需要的本金。根据复利终值计算公式 S = P(1 + i)n，可得出：复利现值的计算公式如下：公式中(1 + i) n及称为复利现值系数，i称为贴现率，由终值求现值的过程称为贴现。复利现值系数也可记作(P/S，i，n)，表示利率为i，计息期为n期的复利现值系数。
2、在实际工作中，也可利用复利现值系数表，直接查出相应的现值系数。复利现值系数的运用为了便于计算，可编制“复利现值系数表”（下表）进行查询。该表的使用方法与“复利终值系数表”相同。例：某人拟在5年后获得本利和10000元，假设投资报酬率为10，他现在应投入多少元?(元)复利现值系数表1期数1%2%3%4%5%6%7%8%9%10%11%12%13%14%15%16%17%18%19%20%21%22%23%24%25%26%27%28%29%30%10.99010.98040.97090.96150.95240.94340.93460.92590.91740.90910.90090.89290.8
3、8500.87720.86960.86210.85470.84750.84030.83330.82640.81970.81300.80650.80000.79370.78740.78130.77520.769220.98030.96120.94260.92460.90700.89000.87340.85730.84170.82640.81160.79720.78310.76950.75610.74320.73050.71820.70620.69440.68300.67190.66100.65040.64000.62990.62000.61040.60090.591730.97060.94230
4、.91510.88900.86380.83960.81630.79380.77220.75130.73120.71180.69310.67500.65750.64070.62440.60860.59340.57870.56450.55070.53740.52450.51200.49990.48820.47680.46580.455240.96100.92380.88850.85480.82270.79210.76290.73500.70840.68300.65870.63550.61330.59210.57180.55230.53370.51580.49870.48230.46650.4514
5、0.43690.42300.40960.39680.38440.37250.36110.350150.95150.90570.86260.82190.78350.74730.71300.68060.64990.62090.59350.56740.54280.51940.49720.47610.45610.43710.41900.40190.38550.37000.35520.34110.32770.31490.30270.29100.27990.269360.94200.88800.83750.79030.74620.70500.66630.63020.59630.56450.53460.50
6、660.48030.45560.43230.41040.38980.37040.35210.33490.31860.30330.28880.27510.26210.24990.23830.22740.21700.207270.93270.87060.81310.75990.71070.66510.62270.58350.54700.51320.48170.45230.42510.39960.37590.35380.33320.31390.29590.27910.26330.24860.23480.22180.20970.19830.18770.17760.16820.159480.92350.
7、85350.78940.73070.67680.62740.58200.54030.50190.46650.43390.40390.37620.35060.32690.30500.28480.26600.24870.23260.21760.20380.19090.17890.16780.15740.14780.13880.13040.122690.91430.83680.76640.70260.64460.59190.54390.50020.46040.42410.39090.36060.33290.30750.28430.26300.24340.22550.20900.19380.17990
8、.16700.15520.14430.13420.12490.11640.10840.10110.0943100.90530.82030.74410.67560.61390.55840.50830.46320.42240.38550.35220.32200.29460.26970.24720.22670.20800.19110.17560.16150.14860.13690.12620.11640.10740.09920.09160.08470.07840.0725110.89630.80430.72240.64960.58470.52680.47510.42890.38750.35050.3
9、1730.28750.26070.23660.21490.19540.17780.16190.14760.13460.12280.11220.10260.09380.08590.07870.07210.06620.06070.0558120.88740.78850.70140.62460.55680.49700.44400.39710.35550.31860.28580.25670.23070.20760.18690.16850.15200.13720.12400.11220.10150.09200.08340.07570.06870.06250.05680.05170.04710.04291
10、30.87870.77300.68100.60060.53030.46880.41500.36770.32620.28970.25750.22920.20420.18210.16250.14520.12990.11630.10420.09350.08390.07540.06780.06100.05500.04960.04470.04040.03650.0330140.87000.75790.66110.57750.50510.44230.38780.34050.29920.26330.23200.20460.18070.15970.14130.12520.11100.09850.08760.0
11、7790.06930.06180.05510.04920.04400.03930.03520.03160.02830.0254150.86130.74300.64190.55530.48100.41730.36240.31520.27450.23940.20900.18270.15990.14010.12290.10790.09490.08350.07360.06490.05730.05070.04480.03970.03520.03120.02770.02470.02190.0195160.85280.72840.62320.53390.45810.39360.33870.29190.251
12、90.21760.18830.16310.14150.12290.10690.09300.08110.07080.06180.05410.04740.04150.03640.03200.02810.02480.02180.01930.01700.0150170.84440.71420.60500.51340.43630.37140.31660.27030.23110.19780.16960.14560.12520.10780.09290.08020.06930.06000.05200.04510.03910.03400.02960.02580.02250.01970.01720.01500.01320.0116180.83600.70020.58740.49360.41550.35030.29590.25020.21200.17990.15280.13000.11080.09460.08080.0691
