4第四章答案翻译1-41题
Zvi Bodie Robert C Merton,金融学 第四章答案翻译1-41题

1,如果你现在投资1000美元,年利率为10%,而且你20年内不动用这笔资金,20年后你将拥有多少钱?FV=1000×(1+10%)202.3.4.5.B.12 x $88.85 - $1,000 = $66.206.注意:A.当计算每个月的比率时不要四舍五入利率,否则你将得不到相同的答案,i=16/12B.你必须用相反的公式输入PMT和FV。
C.你必须用相反的公式输入PMT和FV。
7.8.9.10.假如你首先要支付2个百分点的货币,也就是说,银行只给你98000美元,那么这笔抵押贷款的真实APR我们计算:i =0.89575% 每个月。
APR = 12 ⨯ .89575 → 10.75%$500 x (1.07) = $535$500 x (1.06) = $530a.你将决定把钱存在A银行里,因为在年末的时候可以得到更多的钱.这个决定可以使你多得到5美元.即增值为1%.由于利息每年只增加一次而且这笔钱放在银行帐户里只有一年时间,这个增值一定是因为这1%的利率差别.b.大多数人都会选择A银行.最终B银行会不得不提高存款利率.但是,很可能A银行支付一个高利率是为了吸引更多的储蓄者,尽管对银行而言这个利率是不盈利的. A银行最终会为了盈利而将利率降到与B银行同样的利率水平.13.a.根据72法则72: n = 72/10 = 7.2.所以苏的这笔资金要想在年利率为10%增长到5,000大约要花7.2年.$2,500 x (1.10)n = $5,000由于(1.10)n = 2.0n log 1.10 = log 2.0n =0.301/0.0414= 7.27 Years14.计算公式:$20,000 x 1.07 x 1.06 x 1.05 = $23,818.2015.a.实际年利率:A银行=8%.D银行= [1 +0.075/365]365 - 1 = .07788 = 7.788%根据实际年利率,你将会选择A银行,因为这样可以获得更多的利息收入.b.如果A银行8%的年利率要求将钱存一年,你必须确定在这一年中将不需要这笔钱.如果不能确定什末时候需要这笔钱,将钱存在D银行将会更安全.当你随时需要这笔钱的而取出的时候将会造成潜在的利息损失.FV (A银行) = $1,000 x 1.08 = $1,080FV (D银行) = $1,000 x 1.07788 = $1,077.88利息损失=$2.12.16.实际年利率(EFF)=[1 + APR/m] m– 1a.(1 + 0.12/12)12 - 1 =0.1268 = 12.68%b.(1 + 0..10/1)- 1 = 0.10 = 10%c.(1 + 0.06/365)365 - 1 =0.0618 = 6.18%EAR=(1.029302)-1=12.25%18.PV = $2,500/(1.04)2= $2,311.39PV = $2,500/(1.045)2= $2,289.32通过计算你将会选择在乙银行进行储蓄,因为从现在开始你只需要存入比在甲银行少的现金就可以实现两年后2,500美元的目标.PV = $2,500/(1.04)3= $2,222.49PV = $2,500/(1.045)3= $2,190.74通过计算你将会选择在乙银行进行储蓄,因为从现在开始你只需要存入比在甲银行少的现金就可以实现两年后2,500美元的目标.19.a.大叔给的礼物的终值就是一年后她将收到的$1000.她将得不到任何的利息,因为她只能在一年后才可以得到这笔钱.b.大姨给的礼物的终值:$900 x (1.12) = $1,008.c.她将选择大姨给的礼物,因为从现在开始一年后这份礼物的终值将是$1008.大叔给的礼物的终值是$1,000.大姨的礼物可以使她在一年后多得到$8.d.如果她能仅以10%利率进行投资,那末投资的将来值只有$990: $900 x (1.10) = $990.所以她会选择一年后的$1,000.当利率为11.11%时,两种选择对她来说是一样的: $1000/ (1+i) = $900或者(1+i) = 1,000/900 i = 0.1111 = 11.11%20.a.由于另一个投资项目的利率为4%,理性的选择是将工程的现金流以4%的贴现率进行贴现.因为4%的贴现率可以看作是投资的机会成本.所以也是资金的机会成本.b.项目现金流的现值:PV = $1,000/(1.04)= $961.54投资项目的净现值:$961.54 - $950 (cost) = $11.54由于净现值是确定的所以应该投资这个项目.c.如果银行将其一年期存单的利率提高到5.5%,现值变为:PV = $1,000/(1.055) = $947.87现在净现值是负的:$947.87 - $950 = - $2.13.所以你不会投资这个项目.d.当银行一年期的存单利率为5.26%时,两个投资项目对你来说是一样的:$1,000/(1+i) = $950i = 5.26%21.题中给出了好几个现金流,我们可以依次把它们代入公式中从而得出答案!n相加就等出净现值:$6193.47-$2000=$4193.47 (因为英文中没数据,这数据是我自己算的,和英文中最后的答案有点偏差,不好意思)(1+i)5 = $1,200/$995方程两边同时开五次方:1+i=1.0382=>i=0.0382=3.82%做决策时还需要知道当地银行的利率b).知道银行的利率是3.5%时,你应该建议你堂妹买债券,因为债券的回报率是3.82%,比银行的利率3.5%高.c).如果银行的利率是5%,则你会建议你堂妹把钱存入银行中,因为这样她可以得到更高的回报率.$300 x (1.06)n = $500(1.06)n = 1.6667n log 1.06 = log 1.6667n =log1.6667/log1.06= 8.77你会选择储蓄公债,因为它可以使你在4年后就得到$500,而选择现金$300的话,你要超过8年才可以得到$500.$300.在上面的表格中,当利率分别为6%和10%时,NPV时正的,此时,选择债券,当利率为15%时,NPV为负值,所以此时要选择现金$300. 这种NPV分析得到的结果和上面分析得到的结果是一样的.24. a).要知道年利率,你首先要知道和实际年利率8%相吻合的月利率,然后再拿它乘以12.1.08 = (1+ i)12两边同时开12次方得:1.006434 = 1+ ii = 0.006434 =0 .6434%APR=12*0.6434%=7.72%b).这种方法是先计算这三笔借款得现值,然后再计算具有同一现值分36个月返还的年金.25). a)(.备注:根据英文答案,题中所说的”和最后一年”要去掉,就只是”第三年要支付$11000”.下面是按照修改后的题做的)贴现率为10%时:NPV=$5000/1.10+$4000/1.102-$11000/1.103=$-413.22b).不会采纳该项目.(它有负的净现值NPV)同样的结果)这是一个现金流由正变为负的项目,性质就好比是一项负债.IRR=13.6%就好像是债务的利率,当资本的贴现率是10%时你去借一笔利率为13.6%的债务当然使不明智的!所以,应该拒绝该项目!!26). 用财务计算机可以很快算出几种现金流的净现值::27). 普通年金的计算公式为:FV=PMT[(1+i)n-1]/i把题中所给的数据一次代进去就可以得出答案!或者用财务计算器,可以很快地得出答案:e).普通年金地的现值的计算公式是:PV=PMT[1-(1+i)-n]/i把数据代入就可以得到答案.用财务计算器可以很快得出答案:f).现值和终值的关系为:FV = PV * (1+i)n28). 由题知,三年后你要连续7年支付一定的年金,而这种年金是即时年金,用财务计算器可以很快得出答案:29). a).普通年金的现值计算公式为:PV=PMT[1-(1+i)-n]/i 把数据代进去得出答案.增加一笔立刻得到的$100,就是在原有现值的基础上加上$100,最后的现值为:$432.95+$100=$532.95b).普通年金的终值计算公式为FV=PMT[(1+i)n-1]/I,将数据代入就可以得出答案.增加一笔立刻得到的$100,这$100在5年后的值为:$100*1.05=$127.63,所以最后的终值为:$552.56+$127.63=$680.1930). 因为两种选择的的偿还时间是一样的,所以,可以通过比较它们的月偿付款来决定要选择哪一个!用财务计算器可以很快的得出下表:通过上表的比较你会选择第一种方式买车即按$2000的价格,4%的APR,分三年偿还.因为它的月偿付额要少一点!31.用NPV净值法,APR=2.9时,三年期按月还清则N=3*12=36.所以可以得到:$1,998.2532.有题意可知:N=1时,有$475.48进入户头,一年后在利率为0.1的情况下他将增值为$523.03,此时取出$150,资金剩373.03。
《新英汉翻译教程》第四章课后答案

How to explain that I was not a proud owner seeking admiration for his vehicle, but a tourist who had broken down如何解释,我不是一个骄傲的主人寻求佩服他的汽车,但游客坏了吗Special equipment assures that the computers will not be disturbed by power interruptions that last less than two hours.特种设备确保计算机就不会被打断,力量持续不到两个小时。
It is actually very, very old and was not always as beautiful as it is now. It is not certain how the Earth began. Probably it began as a huge globe of gas and dust. The globe became smaller and denser. Today the outer layer or crust is cool and hard,它实际上是非常非常老的,并不总是像现在这样美丽。
这都是不确定的地球就开始了。
可能起源于一个由气体和尘埃组成的庞大球体。
地球变得更小且致密。
今天的外层或地壳是凉爽且硬,It was not anger, nor surprise, nor disapproval, not horror, nor any of the other emotions that she had been prepared for.那表情不是生气,不是惊讶,不是不满,不是嫌恶,也不是她原先准备应付的任务一种感情。
Modern geology has for its aim the deciphering of the whole evolution of the earth from the time of the earlier records that can be recognized in the rocks to the present day.当代地质解释为其目标的整体演化的地球早期的时间记录,可以识别岩石到当代。
现代大学英语精读4课后习题翻译答案(完整版)

现代大学英语精读4课后习题翻译答案Unit 11. 我知道,不管发生什么情况,我都可以依靠兄弟的支持。
I know I could rely on my brother to stand by me whatever happened.2. 一般说来,年轻一代与老一辈不同,他们对现在而不是对过去更感兴趣。
但这两代人如果不互相尊重对方的需要,就都会遭受损失。
As a rule, the younger generation tends to be more interested in the present rather than the past unlike the older generation, but both generations will stand to lose if they do not respect the other’s needs.3. 中国的书面文字是国家完整统一的一个重要因素。
The Chinese written language has been a major factor for integrating the whole nation.4. 在中国的传统艺术和文学中,竹子和松树往往象征着道德上的正直和刚正不阿。
In traditional Chinese art and literature, the bamboo and the pine tree always symbolize moral integrity and uprightness.5. 女皇伊丽莎白一世统治英国45年。
在她统治时期,国家十分繁荣昌盛。
Queen Elizabeth the First ruled England for 45 years, and the nation prospered under her rule.6. XX意味着多数人来治理;但不仅如此,尊重少数人反对的权利也是XX不可分的一部分。
大学体验英语第四单元课后练习和课文翻译

Unit4 Passage A 课后练习Read and think2 Answer the following questions with the information you got from the passage.1 She decided to experience living abroad early in her college years and she actually went to liv e abroad two months after she graduated from college.2 Her classmates looked for permanent jobs in the “real world” but she looked for a temporary job in another country.3 Because she only had a work visa but no job or place to live.She had no one to rely on but to depend entirely on herself.4 She had her first interview the first week and she had three altogether.5 She thought it had many advantages.Firstly she truly got to learn the culture. Secondly,it was an economical way to live and travel in another country.Thirdly,she had the chance to gain valuable working experience and internationalize her resume.She strongly recommended it.Read and complete3 Fill in the blanks with the words or phrases from the passage.Don’t refer back to it until you have finished.1 living abroad;the“real world”2 go and work;interviewing for3 to live abroad;was willing to do anything4 a program;with the interest5 language;opportunities6 graduated from college;traveled throughout7 finding a job;financial resources;paycheck8 found a job in London;very well—known;employers9 accepted;international bank;located10 the best decision;hesitate for a secondLanguage FocusRead and complete4 Fill in the blanks with the words given below.Change the form where necessary.1 undertaken2 had intended3 resources4 inquiries5 investigated6 recommend7 participates8 aspects9 hesitate 10 economical5 Complete the following sentences with words or expressions from the passage. Change the form where necessary.1 running low2 turned out3 participate in4 as a result5 so far6 Rewrite the following sentences,replacing the underlined words with their synonyms you have learned in this unit.1 employment 2 opportunities 3 advantages 4 expenses 5 accommodation(s)Read and translate7 Translate the following sentences into English.1 I have faxed my resume and a cover letter to that company, but I haven’t received a reply yet.2 John will not hesitate for a second to offer help when others are in trouble.3 I have to admit that I desire very much to work or study abroad for some time but I know it is not easy to get a visa.4 It was not until 2 years after he arrived in London that he found/took a job in an international bank.5 After finishing his teaching,Tom traveled throughout China for 2 months before returning home in America.Read and simulate8 Read and compare the English sentences,paying attention to their italicized parts and translate the Chinese sentences by simulating the structure of the English sentences.1 Of the three jobs available/offered,I chose this one because of the pay and the working condition.2 It wasn’t until 6 months after my graduation that I found my first job and went to work in a computer company.3 I was most scared about the next day’s job interview since 1 was not well prepared and I needed t o do more homework /preparation.4 The university I work at is in a beautiful.scenic spot Located two miles from the Xiang River.5 Exercise has many advantages.For one,it helps you to lose weight.Secondly, it helps prevent disease.Thirdly, exercising everyday keeps you fit and strong.Unit4 Passage A课文译文玛塞娜的工作经历进大学不久我就下定决心,在进入“现实世界”前先到国外呆一段。
大学体验英语综合教程4课文翻译及答案

大学体验英语-综合教程4 Unit1 Passage AUnit 1无名英雄:职业父亲意味着什么?在我们的孪生女儿出生后的第一次“约会”时,我和丈夫一起去看了一部名为《玩具故事》的电影。
我们很喜欢这部片子,但随后我丈夫问道:“父亲在哪儿呢?”起初我还认为因为一个小小的失误而批评一部很吸引人的家庭影片似乎是太偏狭了。
可后来越想越觉得这一疏忽太严重了。
父亲不仅没有出现,他甚至没有被提到——尽管家中有婴儿,说明他不可能离开太长时间。
影片给人的感觉是,父亲出现与否似乎是个极次要的细节,甚至不需要做任何解释。
新闻媒体倾向于把父亲的边缘化,这只是一个例子,它反映了在美国发生的巨大的社会变化。
大卫?布兰肯霍恩在《无父之国》一书中将这种倾向称之为“无需父亲”观念。
职业母亲(我想这应是与无职业母亲相对而言的)奋斗的故事从媒体上无尽无休地轰击着我们。
与此同时,媒体上绝大多数有关父亲的故事又集中表现暴力的丈夫或没出息的父亲。
看起来似乎父亲惟一值得人们提及的时候是因为他们做家务太少而受到指责的时候(我怀疑这一说法的可靠性,因为“家务”的定义中很少包括打扫屋顶的雨水沟、给汽车换机油或其它一些典型地由男人们做的事),或者是在他们去世的时候。
当布兰肯霍恩先生就“顾家的好男人”一词的词义对父亲们进行调查时,许多父亲都回答这一词语只有在葬礼上听到。
这种“无需父亲”综合症的一个例外是家庭全职父亲所受到的媒体的赞扬。
我并非暗指这些家庭全职父亲作出的承诺不值得人们的支持,我只是想指出在实际生效的双重标准:家庭全职父亲受到人们的赞扬,而家庭全职母亲和养家活口的父亲,所得到文化上的认同却很少,甚至完全得不到。
我们用来讨论父亲角色(即没出息的父亲)的话语本身就显示出人们对大多数男人默默无闻而自豪地履行对家庭承担的责任缺乏赏识。
我们几乎从来没听到“职业父亲”这一说法,在人们呼吁应该考虑给予工作者在工作地点上更大的灵活性时,很少有人认为这种呼吁不但适用于女子,同样也适应于男子。
大学体验英语综合教程4课文翻译和课后答案

大学体验英语综合教程4课文翻译和课后答案大学体验英语综合教程4课后答案Unit 1课后答案Read and think 31~5 BADDCRead and think 41.media2.images3.abusive4.fulfilling5.recognition6.status7.stresses8.aware9.deserveRead and complete 51. obligation2. applauded3. fulfilled4. mirror5. flexibility6. devalue7. striving8. entailed9. supposedly10. ConsequentlyRead and complete 61.referred to as2.at best3.by the same token4.at large5.held up...asRead and translate 81.随着职务的提升,他担负的责任也更大了。
With his promotion,he has taken on greater responsibilities.2.他感到他没有必要再一次对约翰承担这样的责任了。
He felt he did not have to make such a commitment to John any more.3.闲暇时玛丽喜欢外出购物,与她相反,露西却喜欢呆在家里看书。
Mary likes to go shopping in her spare time, as opposed to Lucy,who prefers to stay at home reading.4.说好听一点,可以说他有抱负,用最糟糕的话来说,他是一个没有良心或没有资格的权力追求者。
At best he’s ambitious,and at worst a power-seeker without conscience or qualifications.5.我们已经尽全力想说服他,但是却毫无进展。
新编大学基础英语(四)试题翻译和写作部分

新编大学基础英语(四)试题翻译和写作部分翻译题:1、艾玛和她的父母住在牛津,他们住在镇中心的一座小公寓。
Emma and her parents lire in Oxford,They live in a small apartment in the middle of town。
2、我大部分时间呆在客厅看电视或者呆在我的卧室里听歌。
I spend most of my time in the living room watching TV or listening to songs in my bedroom.。
3、我们学校有一个花园,里面长满了树木花草。
There is a garden in our school full of trees and flowe。
4、这套房子有两个卧室,一个客厅,两个卫生间,一个书房和一间厨房。
The house have two bedrooms a living room two bathroom a study and kitchen。
5、从阳台上,我可以看见大海。
From the balcony, I can see the sea.6、玛丽亚的母亲正在打扫客厅。
Maria's mother is cleaning the living room.7、孩子们正在做作业吗?不,他们正在踢足球。
Are the children doing their homework? No, they are playing football。
8、露西正在做什么?她正在游泳。
What is Lucy doing? Is she swimming?9、你这是去哪里?我要去超市。
Where are you going? I am going to the supermarket。
10、萨姆和他父亲正在打羽毛球。
Sam and his father are playing badminton.11、我朋友玛吉是一位性格超好的女人。
英语泛读教程4文章翻译及答案 完整版

课文答案Unit 1Text: Exercises A. dB. 1.c 2.c 3.b 4.d 5.c 6.b 7.b 8.aD. 1.a 2.b 3.c 4.d 5.b 6.d 7.d 8.b9.a10.aFast Reading: 1.a 2.a 3.d 4.c 5.c 6.d 7.c 8.d 9.d 10.c 11.c 12.b 13.c 14.d15.aHome Reading: 1.d 2.c 3.a 4.d 5.c 6.d 7.b 8.b 9.c 10.aUnit 2Text: Exercises A. aB.1.b 2.b 3.c 4.b 5.d 6.b 7.a 8 .b 9.a 10.cD.1.b 2.a 3.a 4.a 5.b 6.a 7.c 8.d 9.cFast Reading: 1.a 2.c 3.d 4.a 5.b 6.c 7.a 8.d 9.d 10.b 11.d 12.c 13.c 14.d 15.bHome Reading: 1.d .2.a 3.d 4.d 5.b 6.d 7.c 8.c 9.d 10.dUnit 3Text: Exercises A. cB. 1.b 2.a 3.b 4.c 5.d 6.b 7.a 8.b 9.bD. 1.a 2.a 3.d 4.b 5.a 6.c 7.c 8.a 9.d 10.b 11.c 12.c 13.a 14.dFast Reading: 1.c 2.b 3.b 4.a 5.b 6.b 7.a 8.d 9.b 10.b 11.b 12.b 13.d 14.a 1 5.dHome Reading: 1.c 2.a 3.a 4.b 5.a 6.b 7.d 8.c 9.bUnit 4Text: Exercises A. bB.1.c 2.d 3.b 4.d 5.b 6.c 7.a 8.d 9.b 10.d 11.cD. 1.d 2.b 3.a 4.a 5.b 6.d 7.b 8.a 9.b 10.dFast Reading: 1.d 2.b 3.c 4.c 5.d 6.b 7.d 8.c 9.b 10.d 11.c 12.a 13.c 14.c 15.d Home Reading: 1.d 2.d 3.c 4.c 5.a 6.d 7.b 8.aUnit 5Text: Exercises A. aB. 1.b 2.c 3.a 4.d 5.b 6.c 7.aD. 1.d 2.c 3.d 4.a 5.b 6.a 7.b 8.d 9.a 10.d 11.b 12.c 13.aFast Reading: 1.b 2.c 3.a 4.c 5.d 6.a 7.c 8.b 9.d 10.c 11.a 12.c 13.c 14.c 15.cHome Reading: 1.c 2.b 3.a 4.d 5.a 6.d 7.b 8.c 9.c 10.aUnit 6Text: Exercises A. bB. 1.b 2.d 3.a 4.a 5.c 6.b 7.c 8.dD. 1.d 2.c 3.a 4.a 5.d 6.c 7.d 8.d 9.b 10.a 11.b 12.cFast Reading: 1.c 2.a 3.d 4.b 5.a 6.b 7.c 8.d 9.a 10.b 11.b 12.d 13.a 14.c 15.cHome Reading: 1.c 2.a 3.b 4.d 5.b 6.a 7.c 8.a 9.c 10.bUnit 7Text: Exercises A. cB. 1.c 2.a 3.a 4.b 5.d 6.a 7.b 8.cD. 1.a 2.d 3.c 4.d 5.a 6.a 7.b 8.b 9.c 10.d 11.a 12.b 13.cFast Reading: 1.a 2.d 3.c 4.b 5.a 6.d 7.b 8.d 9.c 10.b 11.d 12.b 13.b 14.c 15.dHome Reading: 1.d 2.d 3.b 4.d 5.c 6.a 7.b 8.a 9.b 10.cUnit 8Text: Exercises c.B. 1.d 2. c 3.b 4.b 5 a. 6. c 7.a 8.cD. 1. c2.d 3.a 4. c 5. a 6. b 7. d 8. c 9. b 10.b 11.d 12.d 13.d 14.c 15.dFast Reading: 1.a 2.c 3. a 4. a 5. d 6. b 7c . 8. d 9. d 10. c 11.d 12. d 13. d 14.c 15.d Home Reading: 1.a 2. d 3. d 4.d 5.b 6.c 7.d 8. bUnit 9Text: Exercises A. bB. 1.b 2.a 3.d 4.c 5.d 6.a 7.b 8.cD. 1.a 2.c 3.b 4.a 5.c 6.d 7.a 8.b 9.c 10.a 11.c 12.a 13.b 14.c 15.a 16.c17.d 18.b 19.aFast Reading: 1.a 2.ac3.c 4.d 5.b 6.a 7.b 8.c 9.c 10.d 11.c 12.b 13.c 14.a 15.dHome Reading: 1.b 2.c 3.d 4.a 5.c 6.b 7.d 8.a 9.d 10.dUnit 10Text: Exercises A. cB. 1.c 2.b 3.b 4.c 5.b 6.c 7.b 8.b 9.c 10.cD. 1.b 2.a 3.c 4.b 5.a 6.d 7.d 8.a 9.c 10.a 11.c 12.b 13.b 14.aFast Reading: 1.a 2.b 3.b 4.d 5.a 6.c 7.b 8.b 9.d 10.a 11.d 12.c 13.d 14.d 15.bHome Reading: 1.c2.c 3.c4.a 5.d 6.b 7.d 8.d 9.b 10.cUnit 11Text: Exercises A. bB. 1.b 2.a 3.a 4.c 5.d 6.c 7.b 8.cD. 1.d 2.a 3.a 4.d 5.b 6.c 7.b 8.a 9.c 10.aFast Reading: 1.c 2.a 3.b 4.d 5.d 6.a 7.c 8.c 9.d 10.a 11.c 12.c 13.d 14.d 15.bHome Reading: 1.c 2.a 3.c 4.a 5.d 6.b 7.a 8.b 9.a 10.cUnit 12Text: Excises A. bB. 1.d 2.a 3.b 4.d 5.d 6.b 7.c 8.d 9.cD. 1.b 2.a 3.a 4.b 5.b 6.c 7.a 8.b 9.c 10.b 11.b 12.a 13.c 14.b 15.aFast Reading: 1.d 2.d 3.b 4.b 5.b 6.d 7.d 8.c 9.b 10.c 11.c 12.b 13.c 14.d 15.aHome Reading: 1.d 2.c 3.c 4.b 5.d 6.b 7.cUnit 13Text: Exercises bB. 1.a 2.b3.b 4.d5.c 6.a 7. c 8.c 9.cD. 1.a 2.b 3.b 4.a 5.b 6.d 7.a 8.c 9. c10.c 11. d 12. b 13.d 14.aFast Reading: 1.d 2.a 3.d 4.d5.d 6.c 7.b 8.c 9.a 10.a 11.c 12.b 13.b 14.d 15.dHome Reading: 1.b 2.c 3.d 4.c 5.c 6.b 7.cd 8.a d.a 10.b 11.dUnit 14Text: Exercises cB. 1c. 2.d 3.b 4.b 5.d 6.d 7.c 8.d 9.d 10.dD. 1.c. 2.d 3.b 4.a 5. d 6.d 7.a 8. a 9.b 10.a 11.c 12.a 13.a 14.d Fast Reading: 1.a 2.c 3.b 4. a 5.d 6.d 7. d 8.b 9.c 10. c 11.d 12.b 13.c 14. d15.bHome Reading: 1. c2. c 3. c 4. a 5.a 6. c 7.c 8.dUnit 15Text: Exercises A. bB. 1.a 2.d 3.c 4.c 5.a 6.c 7.d 8.b 9.bD. 1.a 2.b 3.c 4.c 5.a 6.b 7.a 8.a 9.d 10.bFast Reading: 1.a 2.c 3.d 4.b 5.a 6.b 7.c 8.c 9.d 10.c 11.c 12.b 13.a 14.d 15.dHome Reading: 1.a 2.c 3.d 4.b 5.c 6.d 7.d 8.b 9.课后翻译Unit 1Text天才与工匠许多人羡慕作家们的精彩小说,但却很少有人知道作家们是如何辛勤笔耕才使一篇小说问世的。
大学体验英语综合教程4unit4课文翻译及课后答案

Unit 4学英语既有乐趣又有回报文学的研究——包含对哲学、宗教、历史事件的发展和观念由来的研究,不仅是文明的,并且有教化作用,而且是流行的和实际的。
在所有从文理学院毕业并获得学士学位的人中,有六分之一的主修英语。
让人惊异的是可,这些毕业生能胜任范围相当广泛的工作。
他们的经验表明,这种广泛流行的偏见是错误的,即英语专业的学生只能从事新闻或教学工作:事实上,主修英语的学生也为未来从事法律、医学、商业和公职等职业做了相当好的准备。
有人时常劝告期望上法学院或医学院的大学生要学习与他们的择业有直接联系的严格指定的课程。
有人还建议未来法学院的学生应该选修政治、历史、会计、商业管理,甚至人体解刨学、婚姻和家庭生活等课程。
未来医学院的学生被引导去学习多种理科课程,实际上,这些课程比他们考入医学院所需要的理科课程要多得多。
令人惊讶的是,许多法学院和医学院却指出,如此专门化的准备不但没有必要,而且并不可取。
没有什么“法律预科”课程:上法学院和从事法律行业的最好的准备是培养学生能够进行批判性的思考;能够进行清晰的合乎逻辑的自我表达,能够对他人的动机、行动和思想进行敏锐的分析。
这些技能也正是英语专业要教给学生掌握的技能。
此外,要进入法学院就读,通常需要具有合格院校颁发的学士学位,还需要拿到最低限度的各课平均积分点,并和在法学院录取考试中取得一个通得过的分数。
这项测试包括三个部分:首先是测试阅读理解、图形分类和书面材料评估等能力。
测试的第二部分是考核对英语语法和词汇用法的掌握能力,组织书面材料的能力和文字编辑的能力。
第三个部分是检验学生的文学、艺术、音乐、自然科学和社会科学的一般知识。
显而易见,主修英语的学生参加法学院的录取考试回得心应手。
至于医学院,入学要求的一条知识修满32个学时的理科课程。
这一要求对主修英语的学生来说肯定不成问题。
另外,许多医学院校要求学生必须在医学院入学考试中取得规定的最低分,这一测试对全面发展的文科学生来说有十分有利。
全新版综合教程4第四单元课文译文及课后练习答案

全新版大学英语(第二版)综合教程4第四单元课文A翻译(Globalization is sweeping aside national borders and changing relations between nations. What impact does this have on national identities and loyalties? Are they strengthened or weakened? The author investigates.全球化正在扫除国界、改变国与国之间的关系。
这对国家的认同和对国家的忠诚会带来什么影响呢?它们会得到加强还是削弱?作者对这些问题进行了探讨。
In Search of Davos ManPeter Gumbel1. William Browder was born in Princeton, New Jersey, grew up in Chicago, and studied at Stanford University in California. But don't call him an American. For the past 16 of his 40 years he has lived outside the U.S., first in London and then, from 1996, in Moscow, where he runs his own investment firm. Browder now manages $1.6 billion in assets. In 1998 he gave up his American passport to become a British citizen, since his life is now centered in Europe. "National identity makes no difference for me," he says. "I feel completely international. If you have four good friends and you like what you are doing, it doesn't matter where you are. That's globalization."寻找达沃斯人彼得·甘贝尔威廉·布劳德出生于新泽西州的普林斯顿,在芝加哥长大,就读于加利福尼亚州的斯坦福大学。
新概念英语第四册课后习题答案

新概念英语第四册课后习题答案Unit 1 CABDD BDAAC AB Unit 2 BCBDC ACAAD BC Unit 3 CABDA CDABA CD Unit 4 ACCAB BCDAA BD Unit 5 CABAB DACBB DD Unit 6 CACCC AAADB AA Unit 7 DCABA BACDA AC Unit 8 BDABD BAABC BC Unit 9 CDBAA CABAC AD Unit 10 CAABD CBBDC AA Unit 11 AABDD DADDB DD Unit 12 CABAC CDACA AB Unit 13 ACDAC BDABC AD Unit 14 DBDCC ACCBD BD Unit 15 CADCD DBACA CA Unit 16 ABCCA DDBAB AC Unit 17 BBADA BBDCD CA Unit 18 BABCD CDCCC BA Unit 19 BBCAD AABDD BC Unit 20 BCADC CCBDB CA Unit 21 BDBBA ADDAB CA Unit 22 CDACB ADBCD AB Unit 23 CADCC DCABC AC Unit 24 AACCB CADDA CD Unit 25 DBADD CACDB CA Unit 26 CBCBA CDDAB AC Unit 27 BCDCC ACCDD DA Unit 28 ADCDA BCADA BD Unit 29 CCADD CCADA BC Unit 30 CABDD BCCAC DC Unit 31 AABAD BADDC BD Unit 32 BDCBA DBDCA BC Unit 33 BDBAD BCCDC BA Unit 34 DCACB DACDB CA Unit 35 CBCAC ABBDC CD Unit 36 ACBCC ACCDB AC Unit 37 CABAC DBCDC BD Unit 38 CAABB ACBDD AB Unit 39 BCADA BDDBD BC Unit 40 DCDAC ADDDA DB Unit 41 ACACD CBBBD BC Unit 42 BCCBD BDADC AC Unit 43 DBABC CDDAC BB Unit 44 AAAAB BBBDC BA Unit 45 CADAC CACDC DC Unit 46 BBDBD ABCDA BD Unit 47 CAADB CACDB BC Unit 48 CCBCC CCDBA AB新概念4 笔记 1 Finding fossil man一、重点单词解释1、recount:v.叙述注意读音,重音在后。
大学体验英语4课后翻译答案

Unit 1Passage A1With his promotion, he has taken on greater responsibilities.2He felt he did not have to make such a commitment to John any more.3Mary likes to go shopping in her spare time, as opposed to Lucy, who prefers to stay at home reading.4At best he’s ambitious, at worst a power-seeker without conscience or qualifications.5We have striven to the full to convince him, but we have made no headway. Passage B6The popularity of Internet provides people with quick and convenient access to information.7Since he doesn’t agree to this plan, there is not much point in thinking about i t any more.8I haven't seen it myself, but it is supposed to be a very good film.9If you don't work hard, you'll end up nowhere.10It's up to the United States to take the initiative in banning nuclear weapons.Unit 2Passage A11He is no more fit to be a headmaster than any schoolboy would be.12As for her father, she is not sure whether he will accept her and her baby.13Staying up late will undermine one’s health while going to bed early and getting up early will benefit i t.14The ambassador personally conveyed the president’s message to the premier.15The girl decided to open up and tell the police what she had seen.Passage B16Excessive exercises does more harm than good to one’s health. Therefore we must control the amount of exercise we do.17He made a few attempts to join in their conversation, but he gave up out of timidness.18Trains cannot compete wi th planes in terms of convenience and speed.19Making a comparison between Chinese and American cultures will help you to better understand and adapt to your study environment in the USA.20It is a tradi tional Chinese virtue for the young on buses to yield their seats to the old, the weak, the sick and the disabled.Unit 3Passage A21It is simply unbelievable for him to change 500 dollars for a haircut.22People grant you the privilege, so you should serve the people wholeheartedly.23The weather forecast is very important so that we can decide when to go to sea.24The sound of guns violated the usual calmness of Sunday morning, and people had a strong feeling that the war was coming.25Even though you read three pages per minute, you will by no means finish the book by the end of this weekend.Passage B26He can beat his opponent easily without giving a second thought.27With little or no knowledge of driving, he drove the car onto the road.28It is illegal to make an unauthorized change in the construction of the bridge.29I could accept this fact calmly because I knew if I were not able to finish the mission, chances were that the team would be defeated.30Children in remote mountain areas are lacking in scientific and cultural knowledge.Unit 4Passage A31My grandfather’s interests rang from playing chess to climbing mountains although he is 70 years.32Surprisingly, Tom’s grandmother plays wi th dolls at the age of 80.33His selflessness and talent qualify him for the job most students dream to get.34What interpretation would you put on his odd/strange dream?35The brand-new car our boss has just bought id capable of making 200 kilometers an hour.Passage B36He suggested at the board meeting that the easy task should be left to Mary whose health is poor.37Mr Brown, who is in Hong Kong now, has a lot of teaching experience and will come to teach our students in the spring.38This is the best hotel in our city: the food is good and the same is true of the service.39In order to attract more passengers, the caption assured all the passengers of the safety of traveling by ship.40His new car, for which he had paid¥150 000, was seriously damaged in an accident and was beyond repair.Unit 5Passage A41The airplane they boarded soared out of sight right after i t took off.42At the meeting, the two sides had a hot debate. The reformers put forward many reforming measures.43In the long run, we should learn more about science and technology. Besides our major subjects, knowledge of computers, English and driving is necessary for our work.44She does gymnastic exercises four times a week in the quest to achieve the perfect body.45Every morning in the park, some old people are doing physical exercises there, chatting with each other at the same time.Passage B46Won’t it be better if we take measures to change the present situation?47I didn’t give him credit for such a skill. (I didn’t give credit to him for such a skill.)48They have been learning English up to now, though in their advanced age.49He has not been to school for seven days because of illness.50The children ran out of the classroom, jumping and singing.Unit 6Passage A51She portrayed her childhood as a time of wonder and discovery.52Experiments showed that nonsmokers committed fewer errors than smokers.53Football fans are often highly regarded not for their own achievement, but through their connection to a team that wins.54Despite the actors’wonderful acting, the three-hour movie could not hold our attention.55Professor Wang is the only doctor I can rely on to save my son.Passage B56We don’t think your proposal is qui te in place, so you should give it up.57When he arrived home, he found nothing but some broken furniture there.58Given the condition of the engine, it is a wonder that i t even starts.59In terms of employment, the hotel industry is the second largest industry in this country.60Everyone in this country had the right to live where he wants to, regardless of the color of his skin.Unit 7Passage A61Although he said he had done a lot for the case, his success was at least in part due to luck.62The issue to be discussed is critical, because it will determine the future of many people.63I’ll try my best to avoid imposing my ideas on others.64Rarely can people face up to the defects in their own characters in such a situation.65College life is referred to as the m ost beautiful period of one’s life.Passage B66Generally speaking he is quite learned, especially in the field of mathematics.However, when i t comes to politics, he knows nothing.67According to the survey they made of the 1000 workers who missed out on the chance to go to university, their failure in the college entrance exam inations had a profound effect on their later life.68Owing to cost rise, employers refuse to pay the retirement pension for their employees. On the flip side, employees are unwilling to stay in the same company for their whole lives.69Since you’ve told me who should take responsibility for the matter, I will not pursue it any further.70I will try to set aside half an hour each day to do some exercise even in the busiest season.。
新编大学英语4课文翻译及课后习题答案完整版

新编大学英语4课文参考译文及课后习题答案(Book 4)Unit 1享受幽默—什么东西令人开怀?1 听了一个有趣的故事会发笑、很开心,古今中外都一样。
这一现象或许同语言本身一样悠久。
那么,到底是什么东西会使一个故事或笑话让人感到滑稽可笑的呢?2 我是第一次辨识出幽默便喜欢上它的人,因此我曾试图跟学生议论和探讨幽默。
这些学生文化差异很大,有来自拉丁美洲的,也有来自中国的。
我还认真地思考过一些滑稽有趣的故事。
这么做完全是出于自己的喜好。
3 为什么听我讲完一个笑话后,班上有些学生会笑得前仰后合,而其他学生看上去就像刚听我读了天气预报一样呢?显然,有些人对幽默比别人更敏感。
而且,我们也发现有的人很善于讲笑话,而有的人要想说一点有趣的事却要费好大的劲。
我们都听人说过这样的话:“我喜欢笑话,但我讲不好,也总是记不住。
”有些人比别人更有幽默感,就像有些人更具有音乐、数学之类的才能一样。
一个真正风趣的人在任何场合都有笑话可讲,而且讲了一个笑话,就会从他记忆里引出一连串的笑话。
一个缺乏幽默感的人不可能成为一群人中最受欢迎的人。
一个真正有幽默感的人不仅受人喜爱,而且在任何聚会上也往往是人们注意的焦点。
这么说是有道理的。
4 甚至有些动物也具有幽默感。
我岳母从前经常来我们家,并能住上很长一段时间。
通常她不喜欢狗,但却很喜欢布利茨恩—我们养过的一条拉布拉多母猎犬。
而且,她们的这种喜欢是相互的。
布利茨恩在很小的时候就常常戏弄外祖母,当外祖母坐在起居室里她最喜欢的那张舒适的椅子上时,布利茨恩就故意把她卧室里的一只拖鞋叼到起居室,并在外祖母刚好够不到的地方蹦来跳去,一直逗到外祖母忍不住站起来去拿那只拖鞋。
外祖母从椅子上一起来,布利茨恩就迅速跳上那椅子,从它那闪亮的棕色眼睛里掠过一丝拉布拉多式的微笑,无疑是在说:“啊哈,你又上了我的当。
”5 典型的笑话或幽默故事由明显的三部分构成。
第一部分是铺垫(即背景),接下来是主干部分(即故事情节),随后便是妙语(即一个出人意料或令人惊讶的结尾)。
《大学汉英翻译教程》 第四章 句子的英译与常用技巧

【例2】科学是老老实实的学问,来不得半点虚假,需要付出艰巨的 劳动。(郭沫若:《科学的春天》) Science means honest, solid knowledge, allowing not an iota of falsehood, and it involves herculean effort and grueling toil. 【分析】译文中增译了“herculean effort”,用来和“grueling toil” 一起来表示艰巨的任务的意思,增加了这个词语,使得译文更充分 的传达除了艰苦的劳动之意。 【例3】还有些人不能进领导班子或者不能重用,例如,……革命意志 严重衰退,饱食终日,无所用心的,等等。(邓小平:《邓小平文 选》第二卷) There are also others whom we should not recruit into leading bodies or place in important posts. They include:...and persons whose revolutionary will has waned and who are content to eat three square meals a day and do nothing. 【分析】“饱食终日”这个词语在译文中采用了增译法,划线部分为 与之对应的译文。
【例3】所以,人们对于大自然,全都一致并深深地依赖着。 Hence people are all heavily dependent on nature for survival. 【分析】“全都”已经包含了“一致”的意思了,所以,译文 中“一致”并没有再次译出。
【例4】他暗暗下定决心:一定重新做人。 He made up his mind to turn a new leaf in his life. 【分析】“暗暗下决心”不必译成“he made up his mind secretly”,在英文中“make up one’s mind”就可以表达暗暗下 定决心了,如果加上“secretly”反而会让人觉得奇怪。因为下 决心本来就是一种心理活动,所以就不存在“openly”和 “secretly”之分了。
新视野大学英语1-4册课后翻译答案 (汉翻英 完整版)

新视野大学英语第一册课后翻译全解1.1.以英语为母语的人交谈是非常有益的体验,从中我们学到许多东西。
We can reap a lot from the rewarding experience of communicating with native speakers of English.1.2.在市长(mayor)的帮助下,我们最终获准接触这起交谈事故的受害着。
With the mayor’s help, we were at last allowed access to those pe ople who suffered from the traffic accident.1.3.Bob 和 frank 一直不和。
令他们尴尬的是,他们将分配到同一个部门工作。
Bob and Frank didn’t get along well with each other. It was embarrassing that they were to work in the same department.1.4 小时候,我告诉妹妹说狼来了,把她吓得直哭。
As a boy, I used to intimidate my sister into crying by telling her thata wolf was coming.1.5 做科学研究不容易不仅需要时间、精力和经费,还需要有自制力和奉献精神。
It is not easy to do scientific research; it requires time, energy and money as well as discipline and commitment.2.1 芬奇先生冲进她的房间,朝着她喊道:“难道你就不能把音乐关小一点吗?”.Mr. Finch burst into her room and shouted at her, “Can’t you turn down the music a little bit?” 2.2 我喜欢摇滚音乐,因为它通常节奏强,寓意深。
大学英语精读4课后翻译答案

unit 1.我们接到通知,财政部长将于次日接见我们。
We were informed that the Minister of Finance was to meet us the next day.2.我觉得很奇怪,他似乎不记得自己的生日。
I thought it odd that he didn’t seem to remember his own birthday.3.学期论文最迟应在下星期二交来,可是大部分学生却至今几无进展。
Next Tuesday is the deadline for handing in the term papers, but most students have hardly made a dent in the work so far.4.看到学生人数不断减少,校长心里很难受。
It pained the headmaster to find the number of students shrinking.5.在那个国家一般用现金付账,但支票变得普通起来了,不久会代替现金作为人们结账的一种方式。
Cash is commonly used in paying bills in that country, but checks are becoming more popular and will, in a short while, replace cash as a way for people to settle their accounts.6.该公司声称,这条河流的污染不是它造成的。
the company claims that it is not responsible for the pollution in river.unit21.比尔已是个成熟的小伙子,不再依赖父母替他作主。
Bill is a mature young man who is no longer dependent on his parents for decisions.2.这个地区有大量肉类供应,但新鲜果蔬奇缺。
翻译三级口译综合能力-41

翻译三级口译综合能力-41(总分:34.00,做题时间:90分钟)一、Part Ⅰ(总题数:0,分数:0.00)二、A(总题数:1,分数:9.00)(分数:9.00)(1).Emma is my grandmother.(分数:0.90)A.正确B.错误√解析:[听力原文]My mother stayed in California for ten years. Her grandfather left her to his wife, Emma, a severe woman who wore black dresses and resented and ignored my mother. Emma discouraged visitors and rarely allowed my mother to attend parties or other functions. One Halloween, when she caught my mother trick-or-treating with school friends, Emma decided to confine her to her room for an entire year, except for the hours she was in school. She forbade my mother to eat at the kitchen table or linger in the front yard. This cruel punishment went on for months until Emma"s sister came for a visit and put a stop to it. By the time my mother turned fourteen, she could no longer bear life in her grandmother"s house. She found work as a mother"s helper, caring for two young children in return for room, board and three dollars a week. She had little time for the extracurricular athletics and drama that she loved and no money for clothes. She washed the same blouse everyday to wear with her only skirt and, in colder weather, her only sweater. But for the first time, she lived in household where the father and mother gave their children the love, attention and guidance she had never received. My mother often told me that without that sojourn with a strong family, she would not have known how to care for her own home and children. Emma is my grandmother.[分析] 理解推断。
新视野大学英语4-读写教程-4课后翻译标准答案

The International Atomic Energy Agency (IAEA) is the world's center of cooperation in thenuclear field. It was set up as the world's "Atoms for Peace" organization in 1957 withinthe United Nations family. The Agency works with its member states and multiple partners worldwide to promote safe, secure and peaceful nuclear technologies. As an independent international organization related to the United Nations system, the IAEA's relation ship with the UN is regulated by special agreement. In terms of its Statute, the IAEA reportsannually to the UN General Assembly and, when appropriate, to the Security Councilregarding non -compliance by States with their safeguards obligations as well as on matters relating to international peace and security. The IAEA Secretariat isheadquartered in Vienna, Austria. Operational liaison and regional offices are located inGeneva, Switzerland; New York, USA; Toronto, Canada; and Tokyo, Japan. The IAEA'smission is guided by the interests and needs of member states, strategic plans and thevision embodied in the IAEA Statute. Three main pillars or areas of work underpin theIAEA's mission: Safety and Security; Science and Technology; Safeguards andVerification.国际原子能机构是世界核领域的合作中心,它于1957 年作为世界性的“原子能为和平服务”的组织而建立,成为联合国大家庭的一员。
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A. 当计算每个月的比率时不要四舍五入利率,否则你将得不到相 同的答案,i=16/12 B. 你必须用相反的公式输入 PMT 和 FV。 C. 你必须用相反的公式输入 PMT 和 FV。 7.
N(年限) 360 I(利率) 6%
课
PV(现值) 24
da
FV(终值) ? FV(终值) 0 ? FV(终值) 0 20,000 FV(终值) 0 100,000
m
N(年限) a. 300 b. 300 c. d. 300 ?
I(利率) 16/12 16/12 16/12 ?
PV(现值) 100,000 ? 100,000 100,000
FV(终值) 0 0 0 0
PMT ? 1,000 1,500 1,500
Result(答案) PMT =$1358.89 PV = $73,590 n = 166
14.计算公式: $20,000 x 1.07 x 1.06 x 1.05 = $23,818.20 15.a.实际年利率:A银行=8%.D银行= [1 +0.075/365]365 - 1 = .07788 = 7.788%
根据实际年利率,你将会选择 A 银行,因为这样可以获得更多的利息收入. b.如果 A 银行 8%的年利率要求将钱存一年,你必须确定在这一年中将不需要这笔钱.如果不能确 成潜在的利息损失. FV (A 银行) = $1,000 x 1.08 = $1,080 FV (D 银行) = $1,000 x 1.07788 = $1,077.88 利息损失=$2.12.
11.第一步先计算出在支付了 12 个月之后的剩余额:
n 348 i .875 PV ? FV 0 PMT
914.74
第二步计算出在月利率为 1%时每月的支付额:
n 348 i 1 PV 99499.57 FV 0
12.在 A 银行的将来值:
n 1 i 7
后 答
PV
w.
? FV Solve $535 FV Solve $530 FV $5,000
PMT
案 网
$500 x (1.07) = $535
n 1
kh
i 6 i 10
在 B 银行的将来值:
课
计算公式:
da
PV - $500 PV - $2,500
- $500
ww
w.
$500 x (1.06) = $530
计算公式:
a.
你将决定把钱存在 A 银行里,因为在年末的时候可以得到更多的钱.这个决定 可以使你多得到 5 美元.即增值为 1%.由于利息每年只增加一次而且这笔钱放在银行帐
案 网
co
d.如果她能仅以 10%利率进行投资,那末投资的将来值只有$990: $900 x (1.10) = $990.所以她
m
计算公式: PV = $2,500/(1.045) = $2,190.74 通过计算你将会选择在乙银行进行储蓄,因为从现在开始你只需要存入比在甲银 行少的现金就可以实现两年后 2,500 美元的目标. 19. a.大叔给的礼物的终值就是一年后她将收到的$1000.她将得不到任何的利息,因为 她只能在一年后才可以得到这笔钱. b.大姨给的礼物的终值: $900 x (1.12) = $1,008. c.她将选择大姨给的礼物,因为从现在开始一年后这份礼物的终值将是$1008.大叔
16.实际年利率(EFF)= [1 + APR/m] m – 1
da
-$100 PV ? PV ?
2
i ?
PV
EAR=(1.029302) -1=12.25%
n 2
kh
i 4 i 4.5 i 4
3
Байду номын сангаас
18. a.在甲银行储蓄的现值:
课
w.
n 2 n 3 n i
计算公式: PV = $2,500/(1.04)2 = $2,311.39 在乙银行储蓄的现值:
户里只有一年时间,这个增值一定是因为这 1%的利率差别.
b. 大多数人都会选择 A 银行.最终 B 银行会不得不提高存款利率.但是,很可能 A 银行支付一个 高利率是为了吸引更多的储蓄者,尽管对银行而言这个利率是不盈利的. A 银行最终会为了盈 利而将利率降到与 B 银行同样的利率水平. 13.a.根据 72 法则 72: n = 72/10 = 7.2.所以苏的这笔资金要想在年利率为 10%增长到 5,000 大约要 花 7.2 年. b.当利率为 10%时:
课
d. 10 e.终身年金
kh
10% 10% I(利率) 10% PV(现值) I(利率) 1% PV(现值)
4.
N(年限) 4
w.
5.
N(年限) 12
ww
B.12 x $88.85 - $1,000 = $66.20 6.
co
结果
FV = 5,727.50 PMT = 872.98 Result PV = 62.09 PV = 3284 PV = $614.46 PV = $675.90 PV=1000 Resul(结果)t PV =$3,169.87 Result(答案) PMT = $88.85
Result PV = $2,289.32
ww
计算公式: PV = $2,500/(1.045) = $2,289.32 通过计算你将会选择在乙银行进行储蓄,因为从现在开始你只需要存入比在甲银 行少的现金就可以实现两年后 2,500 美元的目标. b.在甲银行储蓄的现值:
PV ? = $2,222.49 PV Result Result PV= $2,222.49
计算公式: PV = $2,500/(1.04) 在乙银行储蓄的现值:
co
Result =2.9302% Result PV= $2, 311.39
定什末时候需要这笔钱,将钱存在 D 银行将会更安全.当你随时需要这笔钱的而取出的时候将会造
m
3
4.5
3
?
$2,500
0
PV= $2,190.74
给的礼物的终值是$1,000.大姨的礼物可以使她在一年后多得到$8.
ww
w.
kh
课
i = 5.26%
da
现在净现值是负的: $947.87 - $950 = - $2.13.所以你不会投资这个项目.
后 答
c.如果银行将其一年期存单的利率提高到 5.5%,现值变为: PV = $1,000/(1.055) = $947.87
w.
4%的贴现率可以看作是投资的机会成本.所以也是资金的机会成本.
中最后的答案有点偏差,不好意思) 22. a).债券的内涵报酬率: n i PV FV PMT 结果 5 ? -995 1200 0 3.82% 5 计算过程:$995*(1+i) =$1200 (1+i)5 = $1,200 /$995 方程两边同时开五次方:1+i=1.0382 =>i=0.0382=3.82% 做决策时还需要知道当地银行的利率 b).知道银行的利率是 3.5%时,你应该建议你堂妹买债券,因为债券的回报率是 3.82%,比银行的利率 3.5%高. c).如果银行的利率是 5%,则你会建议你堂妹把钱存入银行中,因为这样她可以得 到更高的回报率. 如果债券的价格是$900,它的 IRR 如下: n i PV FV PMT 结果 5 ? -900 1200 0 5.92% 显然,此时债券的回报率比银行的回报率高,所以,你还是会建议你堂妹买债券. 23. a).由$300 到$500 所需的时间: n i PV FV PMT 结果 ? 6 $300 $500 0 8.77 年 计算如下:
1, 如果你现在投资 1000 美元, 年利率为 10%, 而且你 20 年内不动用这笔资金, 20 年后你将拥有多少钱?
N(时间) 20
I(利率) 10%
PV(现值) 1000
结果
FV =6,727.50
FV=1000×(1+10%)20
2.
N(时间) a. 20 b. 20 I(利率) 10% 10% PV(现值) 0 0 FV(终止) ? 50,000 PMT 100 ?
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后 答
8.
N(年限) 20
kh
I(利率) 8% PV(现值) I(利率) 12% PV(现值) I(利率) 0.875 PV(现值)
w.
9.
N(年限) ?
ww
10.
N(年限) 360
假如你首先要支付 2 个百分点的货币,也就是说,银行只给你 98000
w.
PMT 0 Result(结果) FV = 3.09 1010 PMT 50,000 Result(结果) PV = $490,907 PMT 3,540 Result(结果) n = 10 years PMT ? Result(结果) PMT = $914.74
n a. 5 b. 60 c. 10
i 10% 10% 10%
PV
案 网
3.
w.
FV PMT 0 100 100 0 0 一年后开始每年 100 0 0 现在开始 100 每年 100 并持续 PMT 1,000 0 PMT ? 0
后 答
da
? ? ? ? FV(终值) ? FV(终值) 1,000
后 答
b. (1 + 0..10/1) - 1 = 0.10 = 10% c. (1 + 0.06/365)365 - 1 =0.0618 = 6.18% 17.