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2

МОСКОВСКИЙ ИНСТИТУТ ПРЕДПРИНИМАТЕЛЬСТВА И ПРАВА

КОНТРОЛЬНАЯ РАБОТА

По дисциплине: Финансовая математика

По теме: задача №№ 1, 2, 3, 4, 5, 6, 7,8.

Направление/ Финансы и кредит

Студент: 3 курса

Адрес:

№ телефона:

Шифр зачетной книжки:

Преподаватель:

г. Новосибирск

2007

Параметры варианта:
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– последняя цифра номера зачетки (если последняя цифра -“0”, то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=10);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000002010100050000000102ffffff00040000002e011800050000003102010000000500
00000b0200000000050000000c026001c0021200000026060f001a00ffffffff00001000
0000c0ffffff4f00000080020000af0100000b00000026060f000c004d61746854797065
0000200010000000fb0220fe0000000000009001000000020002001053796d626f6c0002
040000002d01000008000000320a20018301010000002d0015000000fb0220fe00000000
00009001010000000402001054696d6573204e657720526f6d616e0000a7040000002d01
010004000000f001000008000000320a20014f00010000007a000a00000026060f000a00
ffffffff01000000000010000000fb021000070000000000bc02000000cc010202225379
7374656d00cc040000002d01000004000000f0010100030000000000 предпоследняя
цифра номера зачетки;

000002010100050000000102ffffff00040000002e011800050000003102010000000500
00000b0200000000050000000c02e00100031200000026060f001a00ffffffff00001000
0000c0ffffff4f000000c00200002f0200000b00000026060f000c004d61746854797065
0000600010000000fb0220fe0000000000009001000000020002001053796d626f6c0002
040000002d01000008000000320a2001c701010000002d0015000000fb0220fe00000000
00009001010000000402001054696d6573204e657720526f6d616e00008b040000002d01
010004000000f001000008000000320a20014f000100000067000a00000026060f000a00
ffffffff01000000000010000000fb021000070000000000bc02000000cc010202225379
7374656d00cc040000002d01000004000000f0010100030000000000последняя цифра
года рождения (если последняя цифра -“0”, то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=10);
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х=4; z=3; g=1.

y=5; n=5; a=210; в=35.

Задача 1. Какая сумма будет в итоге на счете, если вклад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= 210 руб. положен на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=5 лет под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=35% годовых в банк. Проценты сложные, начисление:

а) раз в год; в) ежемесячное;

б) ежеквартальное; г) ежедневное

Решение:

а) ежегодное начисление.

Дано:

P=210 руб.

S1= P (1+i) n

n=5 лет.

i =0,35

S1 – ?

S1= 210 (1+0,35) 5 =210Ч4,484033438=941,64 рублей.

б) ежеквартальное начисление.

Дано:

P=210 руб.

n=5 лет.

i =0,35

m=4

S2 – ?

S2=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S2=
210picscalex125010009000003b701000003001c0000000000050000000902000000000
5000000020101000000050000000102ffffff00050000002e0118000000050000000b020
0000000050000000c02e00340081200000026060f001a00ffffffff000010000000c0fff
fffb8ffffff00080000980300000b00000026060f000c004d617468547970650000c0001
c000000fb0205fee300000000009001000000020002001053796d626f6c007e40000000f
80a0a9a0c020d7e15020d7e20d00f7e00003000040000002d01000008000000320a5e023
30001000000287908000000fa0200001000000000000000040000002d010100050000001
40200027f0205000000130200022d051c000000fb0205fee300000000009001000000020
002001053796d626f6c007e40000000e30a0a620c020d7e15020d7e20d00f7e000030000
40000002d01020004000000f001000008000000320a5e0226060100000029791c000000f
b0220ff0000000000009001000000000402001054696d6573204e657720526f6d616e000
c020d7e15020d7e20d00f7e00003000040000002d01000004000000f0010200080000003
20a9801880701000000347908000000320a98019e060100000035791c000000fb0280fe0
000000000009001000000000402001054696d6573204e657720526f6d616e000c020d7e1
5020d7e20d00f7e00003000040000002d01020004000000f001000008000000320a8c037
d0301000000347908000000320a6e01a50302000000333508000000320a6e014c0301000
0002c3508000000320a6e01930201000000303508000000320a600281000100000031351
c000000fb0220ff0000000000009001000000020002001053796d626f6c007e40000000f
80a0a9c0c020d7e15020d7e20d00f7e00003000040000002d01000004000000f00102000
8000000320a9801070701000000b4351c000000fb0280fe0000000000009001000000020
002001053796d626f6c007e4000000055080a590c020d7e15020d7e20d00f7e000030000
40000002d01020004000000f001000008000000320a60026b01010000002b350a0000002
6060f000a00ffffffff0100000000001c000000fb021000070000000000bc02000000cc0
102022253797374656d000000000a0021008a010000000000000000f4f312000efe0c7e0
40000002d01000004000000f0010200030000000000=210Ч(1,0875)20=1124,09
рублей

в) ежемесячное начисление.

P=210 руб.

n=5лет.

i =0,35

m=12

S3 – ?

г) ежедневное (непрерывное) начисление.

Дано:

P=210 руб.

n=5лет.

i =0,35

S4 – ?

S4= P е in

S4= 210 e0,35Ч5 =210Ч2,721,75=210Ч5,760=1209,6 рублей.

Задача 2. Рассчитайте, какую сумму надо положить на депозит, чтобы через
4 года она выросла на а=210 руб. при в=35% годовых.

Дано:

S=P+210руб. При решении используем формулу математического
дисконтирования

n=5лет.

i =0,35

Р – ?
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picscalex100010009000003d301000003001c0000000000050000000902000000000500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Задача 3. Через сколько лет удвоится вклад при годовой ставке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=35%. Проценты начисляются:

а) ежеквартально; б) ежемесячно

Дано:

S=2P руб.

m1=4

m2=12

i =0,35

n1 – ?

n2 – ?

а) ежеквартально
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;
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;

(1,08) 4n1 = 2;

log (1,08) 4n1 = log1,08 2;

4n1 log1,081,08 = log1,08 2;

4n1=log1,082;

4n1=ln2/ln1,08;
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б) ежемесячно
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;
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;

picscalex1000100090000036f01000003001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c02400440081200000026060f001a00ffffffff000010000000c0ffffff
b8ffffff00080000f80300000b00000026060f000c004d617468547970650000f0000800
0000fa0200001000000000000000040000002d0100000500000014020002500205000000
13020002ef071c000000fb0220ff0000000000009001000000000402001054696d657320
4e657720526f6d616e000c020d7e15020d7e20d00f7e00003000040000002d0101000800
0000320ae7023a0701000000327908000000320ae702c6050200000031321c000000fb02
80fe0000000000009001000000000402001054696d6573204e657720526f6d616e000c02
0d7e15020d7e20d00f7e00003000040000002d01020004000000f001010008000000320a
9303400501000000293208000000320a9303c00302000000303208000000320a93036003
010000002c3208000000320a9303c40201000000313208000000320a9303640201000000
283208000000320a6e01c50401000000323208000000320a600210000100000031321c00
0000fb0220ff0000000000009001010000000402001054696d6573204e657720526f6d61
6e000c020d7e15020d7e20d00f7e00003000040000002d01010004000000f00102000800
0000320ae702b606010000006e321c000000fb0280fe0000000000009001000000020002
001053796d626f6c007e4000000083080a5b0c020d7e15020d7e20d00f7e000030000400
00002d01020004000000f001010008000000320a60021201010000003d320a0000002606
0f000a00ffffffff0100000000001c000000fb021000070000000000bc02000000cc0102
022253797374656d000000000a0021008a01000000000100000094f312000efe0c7e0400
00002d01010004000000f0010200030000000000

(1,02) 12n2 = 2;

log (1,02) 12n2 = log1,02 2;

12n2 log1,021,02 = log1,02 2;

12n2=log1,022;

12n2=ln2/ln1,08;
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Задача 4. Платеж в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=210 руб., срок выплаты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25 месяцев, заменить платежом со сроком:

а)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15 месяцев; б)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30 месяцев

Используется ставка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=35% годовых, начисление процентов – раз в год.

10 5

——-Ч—————Ч—————-Ч———

15 дисконт 25наращ 30
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picscalex1110100090000038801000003001c0000000000050000000902000000000500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Дано:

S=210 руб.

n=25-15=10;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i=0,35

P-?

Дано:

S=210 руб.

n=30-25=5;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i=0,35

P-?
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picscalex1110100090000038801000003001c0000000000050000000902000000000500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Задача 5. Существует три платежа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 руб., со сроками выплат
соответственно через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лет заменить одним платежом через три года. Найдите величину платежа,
если используется сложная ставка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=35% годовых.

Так как платежи переносятся на более ранний срок, то их нужно
дисконтировать.

Используем математическое дисконтирование сложных процентов.

Дано:

S1=420

S2=210

S3=105

n1=5-3=2

n2=6-3=3

n3=7-3=4

i=0,35

P – ?
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picscalex111010009000003c701000003001c0000000000050000000902000000000500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picscalex111010009000003c701000003001c0000000000050000000902000000000500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picscalex111010009000003c701000003001c0000000000050000000902000000000500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Р=Р1+ Р2+ Р3=230,51+85,36+31,61=347,48 рублей.

Задача 6. Инвестор, вложив а=210тыс. руб. получил в конце года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=410 тыс.
руб. Инфляция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=1% годовых. Найдите эффективную ставку.

Дано:

P=210000

S=410000

Ј=0,01

n=1

iэфф-?

S = P (1+i) n;

410000=210000 (1+i) 1;

41 = 21 (1+i) 1;

1+i =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;

i =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 номинальная ставка;

1+i =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; iэфф =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; iэфф =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;

iэфф =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; iэфф =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;; iэфф = 93%.

Задача 7. Месячная инфляция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=1%. Какова должна быть назначена номинальная ставка, чтобы эффективная
оказалась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= 35%.

Дано:

h = 0,01

iэфф= 0,35

i – ?

Обозначим годовой индекс инфляции ч. з.1+,

Месячный индекс 1+h.

1+ = (1+h) 12

= (1+h) 12 – 1 = (1+0,01) 12 – 1 = 0,12 т.е.

годовая инфляция составила 12%.

1+iэфф =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; (1+ iэфф) (1+);

i = (1+ iэфф) (1+) -1 = (1+0,35) (1+0,12) – 1 = (1,35) (1,12) – 1=

= 1,512 ? 1,51 или I = 151%.

Задача 8. Оцените, что выгоднее: получить
picscalex100010009000003b20000000200150000000000050000000902000000000400
000002010100050000000102ffffff00040000002e011800050000003102010000000500
00000b0200000000050000000c02000260021200000026060f001a00ffffffff00001000
0000c0ffffffcfffffff20020000cf0100000b00000026060f000c004d61746854797065
0000300015000000fb0220fe0000000000009001010000cc0402001054696d6573204e65
7720526f6d616e00cc87040000002d01000008000000320aa001310101000000e0001500
0000fb0220fe0000000000009001000000000402001054696d6573204e657720526f6d61
6e000087040000002d01010004000000f001000008000000320aa0013900010000003200
0a00000026060f000a00ffffffff01000000000010000000fb021000070000000000bc02
000000cc0102022253797374656d00cc040000002d01000004000000f001010003000000
0000=420 руб. сразу или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=315
руб. сейчас и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=105
руб. через два года, если ставка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=35% годовых.

Дано:

Р1=420

Р2=315

Р3=105

n =2

i=0,35

S – ?

S1=420 (1+0,35) 2 = 420 (1,35) 2 = 420Ч1,822 =765,24 рублей;

S2=315 (1+0,35) 2 + 105 = 315 (1,35) 2 + 105 = 679,08 рублей:

765,24 > 679,08, по этому 420 рублей выгоднее получить сразу.

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18 Сен 2004
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