present value of 1 yuan per period

简明释义

每期一元的现值

英英释义

例句

1.Investors often look at the present value of 1 yuan per period when evaluating investment opportunities.

投资者在评估投资机会时，常常关注每期1元的现值。

2.To understand the impact of inflation, one must consider the present value of 1 yuan per period over time.

要理解通货膨胀的影响，必须考虑每期1元的现值随时间的变化。

3.In a bond valuation model, the present value of 1 yuan per period helps in calculating the bond's price.

在债券估值模型中，每期1元的现值有助于计算债券的价格。

4.The concept of present value of 1 yuan per period is crucial for understanding discounted cash flow analysis.

理解折现现金流分析时，每期1元的现值的概念至关重要。

5.The financial analyst calculated the present value of 1 yuan per period to determine the worth of future cash flows.

财务分析师计算了每期1元的现值以确定未来现金流的价值。

作文

In the realm of finance and economics, understanding the concept of the present value of 1 yuan per period is crucial for making informed investment decisions. The present value (PV) is a financial formula used to determine how much a future sum of money is worth today, given a specific rate of return or discount rate. Essentially, it helps investors understand the value of receiving a specific amount of money in the future compared to receiving that same amount today. When we refer to the present value of 1 yuan per period, we are specifically looking at the value of receiving one yuan at the end of each period, discounted back to the present day. This concept is foundational in various financial analyses, including net present value calculations, annuities, and capital budgeting.The formula for calculating present value is quite straightforward. It can be expressed as: PV = FV / (1 + r)^nWhere: - PV is the present value,- FV is the future value (in this case, 1 yuan),- r is the discount rate (expressed as a decimal), and- n is the number of periods until the payment is received.For example, if an investor expects to receive 1 yuan in one year and the discount rate is 5%, the present value would be calculated as follows:PV = 1 / (1 + 0.05)^1 = 0.9524 yuan.This means that the value of receiving 1 yuan in one year is equivalent to approximately 0.9524 yuan today, considering the time value of money. As the number of periods increases, the present value of that future payment decreases, demonstrating the principle that money available today is worth more than the same amount in the future due to its potential earning capacity.The significance of the present value of 1 yuan per period extends beyond mere calculations; it influences critical financial decisions. For instance, businesses often use present value calculations when evaluating projects. By determining the present value of expected cash flows from a project, companies can decide whether to proceed with an investment. If the present value of cash inflows exceeds the initial investment, the project is likely deemed worthwhile.Moreover, understanding the present value of 1 yuan per period can aid individuals in personal finance decisions, such as saving for retirement or planning for significant purchases. By knowing how to calculate the present value of future savings or expenses, individuals can make better choices regarding their finances.In conclusion, the present value of 1 yuan per period is a fundamental concept in finance that assists in evaluating the worth of future cash flows in today's terms. It highlights the importance of the time value of money and serves as a vital tool for both businesses and individuals in their financial planning and decision-making processes. Grasping this concept not only enhances one's financial acumen but also empowers better investment strategies and financial management practices.

在金融和经济领域，理解“每期1元的现值”这一概念对于做出明智的投资决策至关重要。现值（PV）是一个金融公式，用于确定在给定特定回报率或折现率的情况下，未来一笔金额今天值多少钱。本质上，它帮助投资者理解未来收到特定金额与今天收到相同金额的价值。当我们提到“每期1元的现值”时，我们具体指的是将每期末收到的一元钱折算回当前的价值。这个概念在各种财务分析中是基础，包括净现值计算、年金和资本预算。计算现值的公式相当简单，可以表示为：PV = FV / (1 + r)^n其中：- PV 是现值，- FV 是未来值（在此案例中为1元），- r 是折现率（以小数形式表示），- n 是收到付款的期数。例如，如果投资者预计在一年后收到1元，而折现率为5%，则现值的计算如下：PV = 1 / (1 + 0.05)^1 = 0.9524元。这意味着在考虑货币的时间价值的情况下，一年后收到1元的价值大约相当于今天的0.9524元。随着期数的增加，未来支付的现值会降低，这表明今天可用的钱比未来相同数量的钱更有价值，因为它具有潜在的赚取能力。“每期1元的现值”的重要性不仅仅体现在计算上；它影响着关键的财务决策。例如，企业在评估项目时通常会使用现值计算。通过确定项目预期现金流的现值，公司可以决定是否进行投资。如果现金流入的现值超过初始投资，则该项目可能被认为是值得的。此外，理解“每期1元的现值”还可以帮助个人在个人理财决策中，例如为退休储蓄或计划重大购买。通过了解如何计算未来储蓄或支出的现值，个人可以在财务方面做出更好的选择。总之，“每期1元的现值”是金融中的一个基本概念，有助于评估未来现金流在今天的价值。它突显了货币时间价值的重要性，并作为企业和个人在其财务规划和决策过程中不可或缺的工具。掌握这一概念不仅增强了个人的财务能力，还促进了更好的投资策略和财务管理实践。