财管第六章思维导图
现金流，年金，永久资产等内容讲解
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Discounted Cash Flow Evaluation思维导图模板大纲
FV & PV of muitiple cash flows
将不同的现金流分别算出来再相加
Annuities and Perpetuities
Annuity
finite series of equal payments occurring at regular intervals
example
ordinary annuity
first payment occurs at the end of the period
annuity due
first payment occurs at the beginning of the period
formulas
普通年金的现值
普通年金的终值
Growing Annuity
固定增长率、有限期限
Perpetuity
infinite series of equal payments
永续年金的现值
Growing Perpetuity
固定增长率、无限期限
Loan types and Loan Amortization
Effective Annual Rate vs. Annual Percentage Rate
EAR
the actual rate paid (or received) after accounting for compounding that occurs during the year
APR is the quoted rate, and m is the number of compounding periods per year
APR
period rate=APR/number of periods per year
Loan types
Pure DIscount Loans
如Treasury bills(T-bills),零息债券一定要折价发行
Interest-only Loan
如corporation bond到期还本，分期付息
Amortized Loan with Fixed Principal Payment
每期（一般是每年）支付定额本金和利息
Amortized Loan with Fixed Payment
每期支付等额的本金与利息和，是一种年金
Make sure the interest rate match with time periods.思维导图模板大纲
mortgage debt is an example of an amortized loan思维导图模板大纲
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