Simple interest does not reflect this time value of money because interest doesn't earn interest . 單利不能反映貨幣的時間價值,因為根據(jù)單利概念利息并不賺取利息。
The margin on this order is very small and we hope you will allow us an extra discount of 5 % 本定單利潤甚微,盼貴方惠予額外5 %折扣。
In the analysis process , it is important to stress the time value and equivalent value of capital ; this involves the calculation of single rate and compound rate , and the relationship among current value , year - end value and final value 在分析過程中資金的時間價值與等值尤為重要,這里面涉及到單利和復(fù)利的計算、現(xiàn)值、年值和終值之間的關(guān)系。
The model , which is based on the fully consideration of both lending management cost and the market interest rate level , particularly solves the problem of the fix quantity estimate of lending deadline risks . compared with the simple - interest model , which many commercial banks are studying now , this model can reflect the tendency of market interest rate more precisely 該模型充分考慮了貸款經(jīng)營成本和市場利率水平兩方面因素,突出解決了貸款期限風(fēng)險的定量估算問題,比當(dāng)前各商業(yè)銀行正在研究的單利模型更能準(zhǔn)確地反映市場利率的走勢,在具體操作中更適用我國資金市場的實際情況。