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1、(8)统计与金融首先用with命令载入工具包stats、finance。>restart;>with(stats);>with(finance);金融工具包（本工具包内容未做汉化）Thefinancepackageassistsyouinperformingfinancialcalculations.Withit,youcancalculatethepresentvalueandaccumulatedvalueofannuities,growingannuities,perpetuities,growin
2、gperpetuitiesandlevelcouponbonds.Moreover,itcanalsohelpyoucomputetheyieldtomaturityofabond.Youcanconstructanamortizationtable,determinetheeffectiverateofinterestforagivencompoundinterestrate,andfindthepresentvalueandfuturevalueofafixedquantityforagivencom
3、poundinterestrate.Note:allexamplesusedollars($)andinterestratesareintermsofpercent(%).Moreover,thedefaultsettingforfloatingpointprecisionis10.RoundupeachanswerthatMaplefindstothenearestcent.AmortizationMethodThemostcommonmethodofrepayinginterest-bearinglo
4、ansistheamortizationmethod.Thisprocedureisusedtoliquidateaninterest-bearingdebtbyaseriesofperiodicpayments,usuallyequal,atagiveninterestrate.YoumayuseMapletodeterminehowmanypaymentsarerequiredtopayofftheloan,usingtheamortizationcommand.Youcanalsocreateamo
5、rtizationtables.Adebtof$100withinterestat10%perannumistobeamortizedbypaymentsof$50attheendofeachyearforaslongasnecessary.>A:=amortization(100,50,0.10);Theoutputfromthecommandaboveissummarizedinthetablebelow.Fromtheresultweseethatyoumustmakethreepayments:$
6、50,$50and$17.60.Thelastresultintheoutput,$17.60,isthecostoftheloan.>amortization_table[n,Payment,Interest,Principal,Balance]=matrix(A[1]);Thefirstcolumnofthematrixreferstothepaymentnumber.Thesecondcolumnshowsthepaymentpertimeperiod.Thethirdcolumnishowmuch
7、ofthepaymentgoestowardspayingofftheinterest.Thefourthreferstohowmuchgoestopayofftheprincipalperpayment.Thelastcolumnistheoutstandingbalanceofthedebt.AnnuitiesMaplecanfindthepresentvalueofordinarysimpleannuities.Supposeyouwanttofindthepresentvalueofanannui
8、typaying$100perannum,for5years,startingin1yearfromnow,atanannualinterestrateof10%.>annuity(100,0.10,5);Consideragrowing(increasing)annuitythatpays$100attheendofthefirstyear,thengrowsat5%perannum.Itisafive-yearannuit
