WO2019028573A1 - Photoelectric digital magnetic suspension display ball for financial bubble and calculation method for financial bubble - Google Patents
Photoelectric digital magnetic suspension display ball for financial bubble and calculation method for financial bubble Download PDFInfo
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- WO2019028573A1 WO2019028573A1 PCT/CN2017/096139 CN2017096139W WO2019028573A1 WO 2019028573 A1 WO2019028573 A1 WO 2019028573A1 CN 2017096139 W CN2017096139 W CN 2017096139W WO 2019028573 A1 WO2019028573 A1 WO 2019028573A1
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- G09F9/00—Indicating arrangements for variable information in which the information is built-up on a support by selection or combination of individual elements
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- the invention belongs to the field of financial technology, and in particular relates to a financial foam photoelectric digital magnetic levitation display ball and a method for calculating a financial bubble.
- the calculation method of cash flow is a calculation method of capital time flow.
- the principal generates interest and depreciation to calculate the cash flow equivalent value.
- the calculation result is the equivalent value of the principal period of the principal period (year value, The monthly value, etc.), the principal, interest and depreciation included in the equal value are arranged in order, like a spectrum-like string to form a cash string price spectrum, and the value composition of the cash string price spectrum forms a brand-new value space.
- Calculation method points out that under the conditions of fluctuations such as the currency inflation rate and the consumer price index, the calculation of the re-transfer of funds brings the “flying gold” that does not deduct interest or depreciation in the real principal.
- Feijin is the difference between the real principal and the principal. However, at this stage, people use Feijin as the principal for compound interest calculation, which brings the interest and depreciation generated by Feijin, which is a financial bubble.
- the existing photoelectric digital display technology is applied to electronic information display.
- the magnetic levitation display technology is applied to globes, commodity models, speakers, etc., but there is no photoelectric digital magnetic levitation display technology and products.
- the essence of the financial bubble is to calculate the real principal retransmission calculation as the result of the compound compounding calculation.
- people cannot see the “financial bubble” intuitively, and they cannot see the investment.
- the present invention provides a method for calculating the financial bubble photoelectric digital magnetic levitation display ball and financial bubble in order to solve the financial bubble.
- a financial foam photoelectric digital magnetic levitation display ball comprising: a display sphere, the surface of the display sphere is a photoelectric digital LED screen, the display sphere is provided with a neodymium iron boron magnet, a speaker, and a receiving device for receiving photoelectric information and audio information;
- the neodymium iron boron magnet is disposed at a lower end of the display sphere;
- the base is provided with an optoelectronic digital board on the base, the photoelectric digital board is an LED screen;
- the base is provided with a PCB circuit board, a control motor and a control a module, the control module is electrically connected to the PCB circuit board and the control motor respectively;
- the PCB circuit board includes a magnetic pole coil, a magnetic pole generated by the magnetic pole coil and a magnetic pole of the neodymium iron boron magnet in the display ball
- the power supply is electrically connected to the control module, the PCB circuit board and the control motor, and is disposed in
- a method for calculating a financial bubble including: obtaining a calculation period, an annual interest-bearing period, a one-year central bank benchmark interest rate, a central bank benchmark interest rate corresponding to the calculation period, and a one-year consumer price index, and calculating the interest period, The one-year equivalent comprehensive interest rate, the equivalent comprehensive interest rate, and the one-year equivalent inflation rate are calculated and calculated by the calculation period, the central bank benchmark interest rate, and the calculated interest period.
- the real principal information, principal information, real interest information, interest information, depreciation information, Feijin information and financial bubble in economics can be vividly displayed through the base, realizing people's intuitive understanding of cash strings.
- FIG. 1 is a schematic view of a financial foam photoelectric digital magnetic levitation display ball in an embodiment
- FIG. 2 is a schematic view showing the structure of the financial foam photoelectric digital magnetic levitation display ball base of FIG. 1;
- Figure 3 is a schematic diagram of the photoelectric digital spectroscopy of the base of the inflation space flying gold foam
- Figure 4 is a schematic diagram of the photoelectric digital spectroscopy of the base of the deflation space flying foam
- FIG. 5 is a schematic view of the module in the base of Figure 1;
- FIG. 6 is a schematic diagram showing an implementation flow of a cash string calculation method in an embodiment
- FIG. 7 is a schematic structural diagram of a structure of a cash string calculation system in an embodiment
- Figure 8 is a two-dimensional interest cycle space model diagram
- Figure 9 is a schematic diagram of the present value cash price spectrum
- Figure 10 is a schematic diagram of the original value cash price spectrum.
- the financial foam photoelectric digital magnetic levitation display ball includes: a base, a control module, a power source, an input keyboard, and a display sphere (including a magnetic levitation display ball component).
- the base is a regular integral member that houses the components inside and plays a supporting role.
- the base is a three-dimensional conical shape and the structure is stable. In other embodiments, it may be a polyhedron or other irregular shape.
- the center of the base is a rotatable LED panel, and the outer ring portion of the rotating panel is a fixed LED display.
- the control module is set in the base.
- the control module is an electronic integrated circuit board that controls the display of the display of the sphere and the like.
- the power source is electrically connected to the control module and is disposed in the base.
- the power source can be a battery or an external external energy source, and provides a power source for displaying the sphere.
- the input keyboard is electrically connected to the control module and is disposed on the surface of the base.
- the input keyboard can input corresponding numerical information according to the button control, such as calculation period, annual interest period, investment amount, etc., and display the calculation period, the annual interest period, and the input information of the investment on the circular photoelectric digital LED panel.
- the display sphere is the LED display
- the display ball is connected with the base magnetic levitation
- the spin ball is Set the speaker.
- the LED panel on the top surface of the base is a circular display panel
- the display panel has two concentric circles
- the inner circular area is a financial foam area
- the financial foam area is a rotatable panel.
- the inner circle of the ceiling of the base shows the financial bubble J 0 * and the percentage of the financial bubble coefficient ⁇ %:
- the financial bubble is displayed by the magnetic suspension ball LED screen. Under the condition of currency inflation, it shows the positive value of the financial bubble and the positive financial bubble coefficient. Under the condition of currency deflation, it shows the negative financial bubble and the negative financial bubble. Percentage of coefficients, and information about the financial bubble emitted on the magnetic levitation ball via Bluetooth technology audio transmission.
- the outer circle area is the price spectrum area
- the difference between the outer circle and the inner circle radius represents the cash period of the interest period n
- the outer circle corresponds to the zero point of the interest period
- the inner circle corresponds to the end of the interest period
- the cash period of the interest period is equal to the present
- the difference between the outer circle and the inner circle radius also represents the value of the cash string.
- the value of the cash string is equal to the principal including the flying gold, and the real interest.
- the cash string size including the principal, real interest and depreciation information of the flying gold is determined according to the principal, real interest and depreciation information of the flying gold included in the price spectrum. This means that the radius of the LED panel circle on the top of the base is no longer the physical space size, but the cash string size in the cash price spectrum.
- the LED panel ring on the top of the base shows an investment price spectrum.
- the slow clockwise rotation shows the investment price spectrum.
- the investment price spectrum ring shows the principal, real interest and depreciation of the flying gold from the outside to the inside.
- the principal of the investment price spectrum is red.
- the interest is blue and the ⁇ value is yellow.
- the slow counterclockwise rotation shows the investment price spectrum.
- the investment price spectrum ring shows the real principal, the interest and the depreciation including the interest rate from the inside to the outside, and the real principal in the investment price spectrum is selected. Red, the interest including the flying interest is blue, and the ⁇ value is yellow.
- the price spectrum contains the principal and true of the flying gold.
- the proportionality of positive interest and depreciation is expressed as a compound interest series:
- the cash string ring price spectrum displayed by the LED on the top of the base is the original value of the cash price spectrum, except that the real cash bundle in the original value cash string is replaced by the cash bundle containing the cash.
- the photoelectric digital display on the top surface of the base is a circle with a radius of h, and the size of the cash string is represented by the radius of the circle.
- the center part of the circle represents the financial bubble, and the ring part represents the principal, real interest and depreciation price spectrum of the flying gold from the outside to the inside.
- the difference between the inner and outer circle radius of the ring indicates the cash string interest period n (the outer point is Zero, the inner point is n), the origin of the cash string origin in the price spectrum is 0, the cash string demarcation point
- Corresponding size is The equivalent junction point n y * corresponds to the size h y * , and the corresponding size of the equivalent junction point n y ⁇ is h y ⁇ .
- the top digital photo of the base shows: (0-h y * ) indicates the principal of the flying gold, and the red, (h y ⁇ -h y * ) segment indicates the increase of the principal, that is, the flying gold, also used red, Segments represent real interest, in blue, The segment indicates the depreciation, in yellow.
- the photoelectric digital display of the top surface of the base is related to the state of currency inflation.
- the rotating part of the center of the top circle of the base represents the area of the flying gold foam (positive financial bubble), and the magnetic levitation display above it
- the ball LED screen displays the information of the flying gold foam.
- the ring part expresses the principal and the principal by the outward direction, that is, the flying gold, the real interest and the depreciating price spectrum; under the condition of the currency deflation, the center of the top circle of the base rotates.
- the magnetic suspension above the display ball LED screen shows the information of the flying bubble, the ring part from the outward to the inside to indicate the depreciation, interest, increase interest, that is, flying interest, and the real principal price spectrum .
- the financial bubble photoelectric digital magnetic levitation display ball vividly displays the principal information, real interest information, depreciation information and financial bubble information in the economics, and people can intuitively understand the financial bubble information. .
- control module includes an arithmetic unit (not shown) and a memory (not shown).
- the computing unit accepts the input information, searches the benchmark interest rate, the consumer price index information, and calculates the true principal information, the principal information, the real interest information, the interest information, the depreciation information, the flying gold information, and the financial bubble information, and the memory stores the input and the calculation information.
- the arithmetic unit also displays the display of the panel.
- control module further includes: a communication unit, transmitting principal information, interest information, depreciation information, real interest information, fly gold information, financial bubble information, and voice information; and the person only needs to receive the communication unit to receive Mobile devices such as mobile phones, laptops, PDAs, etc., can obtain the above economic information in real time.
- the communication unit can receive the communication signal, which can also be a “fixed device”, such as a home desktop computer, a television or a display panel.
- the communication unit may be a WIFI, Bluetooth, infrared light wireless communication unit.
- the financial foam photoelectric digital magnetic levitation display ball further includes a display light button and a numeric keypad disposed on the side of the vertebral body base, inputting a calculation period, an annual interest cycle number, investment information, and a photoelectric digital display on the base The input information is displayed on the board.
- a speaker is further disposed in the magnetic levitation ball to output voice information.
- Financial bubble photoelectric digital magnetic levitation display ball can better display the "financial bubble”, better understand the “financial bubble” principle and display process, especially how the arithmetic unit in the control module calculates the "cash string price spectrum” Contains the principal information of Feijin, namely real principal information, real interest information, depreciation information, Feijin information and financial bubble information.
- step S101 of FIG. 7 the calculation period (years), the annual interest-bearing period, the one-year central bank benchmark interest rate, the central bank benchmark interest rate corresponding to the calculation period, and the one-year consumer price index are obtained.
- the input calculation period (years) and the annual interest period are received, and the one-year central bank benchmark interest rate, the central bank benchmark interest rate corresponding to the calculation period, and the one-year resident consumption are obtained from the Internet or relevant departments.
- Price index (predicted value), and calculate the interest period, one year based on the calculation period, the annual interest period, the one-year central bank benchmark interest rate, the central bank benchmark interest rate corresponding to the calculation period, and the one-year consumer price index.
- the following formula can be used to calculate the interest period, the one-year equivalent comprehensive interest rate, the equivalent comprehensive interest rate, and the one-year equivalent inflation rate:
- n is the interest period (the number of interest periods)
- T is the calculation period (years)
- m is the number of annual interest periods (the number of interest periods in a year)
- i p1 * is the one-year equivalent comprehensive interest rate.
- r 1 represents the one-year central bank benchmark interest rate (annual interest rate)
- i p * represents the equivalent comprehensive interest rate
- r represents the central bank's benchmark interest rate (annual interest rate) in the calculation period
- f 1 ⁇ represents the one-year equivalent inflation rate.
- CPI 1 represents the one-year consumer price index (predicted value).
- Step S102 Calculate the equivalent interest rate according to the one-year equivalent comprehensive interest rate and the one-year equivalent inflation rate, and calculate the equivalent inflation rate according to the equivalent comprehensive interest rate and the calculated equivalent interest rate.
- the equivalent formula and the equivalent inflation rate can be calculated using the following formula:
- i ⁇ (i p1 * -f 1 ⁇ )/(1+f 1 ⁇ )
- i ⁇ denotes the equivalent interest rate
- i p1 * denotes the one-year equivalent comprehensive interest rate
- f 1 ⁇ denotes the one-year equivalent inflation rate
- i * p denotes the equivalent comprehensive interest rate
- f ⁇ denotes the equivalent inflation rate rate
- Step S103 calculating an equivalent interest rate compounding level according to the interest period and the equivalent interest rate.
- L i represents the equivalent interest rate compounding series, which is an abbreviation of L[i ⁇ , n], and n represents the interest period.
- Step S104 calculating an equivalent inflation rate compounding series according to the interest period and the equivalent inflation rate, and outputting the calculated equivalent inflation rate compounding series.
- L f represents the equivalent inflation rate compounding series and is an abbreviation for L[f ⁇ , n].
- Step S105 calculating an equivalent comprehensive interest rate compounding series according to the interest period, the equivalent interest rate compounding series, and the equivalent inflation rate compounding series, and outputting the calculated equivalent comprehensive interest rate compounding series.
- L ⁇ represents the equivalent comprehensive interest rate compounding series, which is an abbreviation of L[i p ⁇ , n].
- Step S106 calculating an equivalent comprehensive interest rate compounding level according to the interest period and the equivalent comprehensive interest rate, and outputting the calculated equivalent comprehensive interest rate compounding series.
- L * represents the equivalent comprehensive interest rate compounding series, which is an abbreviation of L[i p * , n].
- step S107 the opening amount is obtained.
- a * represents the equal value
- Y represents the real principal of the cash string (the beginning amount)
- J * represents the value of the cash string
- n represents the interest period
- Y% represents the true principal percentage of the cash string.
- Step S108 calculating the cash string principal and its percentage according to the interest period, the cash string value, and the equivalent comprehensive interest rate compounding series;
- P o represents the cash string principal
- P o % represents the cash string principal percentage
- J * represents the cash string value
- L ⁇ represents the equivalent comprehensive interest rate compounding series
- n represents the interest period.
- Step S109 calculating the cash string interest and the percentage thereof according to the interest period, the cash string value, the equivalent comprehensive interest rate compounding series, and the equivalent inflation rate compounding series;
- S * represents cash string interest
- S * % represents cash string interest percentage
- J * represents cash string value
- L f represents equivalent inflation rate compound interest series
- n represents interest period.
- Step S110 calculating a cash string value and a percentage thereof according to the cash string value, the cash string principal, and the cash string interest, and outputting the calculated cash string value and a percentage thereof;
- B * represents the cash string ⁇ value
- B * % represents the cash string ⁇ value percentage
- J * represents the cash string value
- P o represents the cash string principal
- S * represents the cash string interest.
- Step S111 calculating the real interest of the cash string and the percentage thereof according to the value of the cash string, the real principal of the cash string, and the cash dividend value, and outputting the calculated real interest of the cash string and the percentage thereof.
- S x * represents the real interest of the cash string
- S x * % represents the true interest percentage of the cash string
- J * represents the cash string value
- Y represents the real principal of the cash string
- B * represents the cash string ⁇ value.
- Step S112 calculating a cash dividend and a financial bubble according to the real cash of the cash string and the cash string principal, and outputting the calculated cash dividend, the financial bubble and the percentage of the financial foam coefficient thereof;
- G o represents cash dividends
- Y represents the true principal of the cash string
- P o represents the cash string principal
- J o * represents the financial bubble
- ⁇ % represents the percentage of the financial bubble coefficient
- a * represents the equivalent value
- L * represents the equivalent comprehensive interest rate compounding series
- L ⁇ represents the equivalent comprehensive interest rate compounding series
- n represents the interest period.
- the embodiment of the invention further provides a system for calculating cash bundles, the system comprising:
- Figure 8 is a data acquisition module for obtaining a calculation period (years), an annual interest-bearing period, a one-year central bank benchmark interest rate, a central bank benchmark interest rate corresponding to the calculation period, and a one-year consumer price index, and is also used according to the The calculation period, the annual interest-bearing period, the one-year central bank benchmark interest rate, the central bank benchmark interest rate corresponding to the calculation period, and the one-year consumer price index calculation interest period, one-year equivalent comprehensive interest rate, equivalent comprehensive interest rate, and one The equivalent inflation rate for the year, and the calculation period, the central bank benchmark interest rate, and the calculated interest period;
- An equivalent interest rate and equivalent inflation rate calculation module for calculating an equivalent interest rate based on the one-year equivalent comprehensive interest rate and a one-year equivalent inflation rate, and also for using the equivalent comprehensive interest rate and the like Value interest rate calculation equivalent inflation rate;
- An equal interest rate compounding series calculation module configured to calculate an equivalent interest rate compounding level according to the interest period and the equivalent interest rate
- the equivalent inflation rate compounding series calculation module is configured to calculate the equivalent inflation rate compounding series according to the interest period and the equivalent inflation rate, and output the equivalent inflation rate compounding series.
- the equivalent comprehensive interest rate compounding series calculation module is configured to calculate the equivalent comprehensive interest rate compounding series according to the interest period, the equivalent interest rate compounding series and the equivalent inflation rate compounding series, and output the calculated equivalent value.
- the equivalent comprehensive interest rate compounding series calculation module is configured to calculate an equivalent comprehensive interest rate compounding level according to the interest period and the equivalent comprehensive interest rate, and output the calculated equivalent comprehensive interest rate compounding series;
- the cash string value calculation module is configured to calculate an equal value according to the input value (the initial amount) and the equivalent comprehensive interest rate compounding series, and is further used for calculating the cash string value according to the interest period and the equal value, and outputting the cash string.
- the true principal the beginning amount
- a cash string principal calculation module configured to calculate a cash string principal and a percentage thereof according to the interest period, the cash string value, and the equivalent comprehensive interest rate compounding series;
- the cash string interest calculation module is configured to calculate the cash string interest and the percentage thereof according to the interest period, the cash string value, the equivalent comprehensive interest rate compounding series, and the equivalent inflation rate compounding series;
- the cash string depreciation calculation module is configured to calculate a cash string value and a percentage thereof according to the cash string value, the cash string principal amount and the cash string interest, and output the calculated cash string value and a percentage thereof.
- the cash string real interest calculation module is configured to calculate the real interest of the cash string and the percentage thereof according to the value of the cash string, the real principal of the cash string and the cash dividend value, and output the calculated real interest of the cash string and the percentage thereof.
- a cash string financial bubble calculation module configured to calculate a cash dividend according to the real cash of the cash string and the cash string principal, and calculate a financial bubble according to the cash dividend, cash string interest, cash string depreciation and cash string principal And output the calculated cash dividends, financial bubbles and their coefficient percentages.
- the cash string computing system can include one or more processors, one or more input devices, one or more output devices, and memory.
- processors one or more input devices, one or more output devices, and memory.
- the above processor, input device, output device and memory are connected by a bus. among them:
- the processor is configured to obtain, by using the input device, a calculation period, an annual interest-bearing period, a one-year central bank benchmark interest rate, a central bank benchmark interest rate corresponding to the calculation period, and a one-year consumer price index, and are also used according to the The calculation period, the annual interest-bearing period, the central bank benchmark interest rate, the consumer price index calculation of the interest period, the one-year equivalent comprehensive interest rate, the equivalent comprehensive interest rate, and the one-year equivalent inflation rate, and through the output Equipment output calculation period and central bank benchmark interest rate;
- the processor is further configured to calculate an equivalent interest rate according to the one-year equivalent comprehensive interest rate and a one-year equivalent inflation rate; and calculate an equivalent inflation rate according to the equivalent comprehensive interest rate and the equivalent interest rate; Calculating an equivalent interest rate compounding level according to the interest period and the equivalent interest rate; according to the interest period And the equivalent inflation rate to calculate the equivalent inflation rate compounding series; calculating the equivalent comprehensive interest rate compounding series according to the interest period, the equivalent interest rate compounding series, and the equivalent inflation rate compounding series; Calculating the equivalent comprehensive interest rate compounding series by the interest period and the equivalent comprehensive interest rate, and outputting the calculated interest period and the equivalent inflation rate compounding series through the output device;
- the processor is further configured to obtain an initial amount by the input device, calculate an equal value according to the input value (the initial amount) and the equivalent comprehensive interest rate compounding level, and also be used according to the interest period, The equal value calculates the value of the cash string, and outputs the true principal of the cash string through the output device, that is, the opening amount and the calculated true principal percentage of the cash string;
- the processor is further configured to calculate a cash string principal and a percentage thereof according to the interest period, the cash string value, and the equivalent comprehensive interest rate compounding series, and output the calculated cash string principal and the percentage thereof through the output device ;
- the processor is further configured to calculate a cash string interest and a percentage thereof according to the interest period, the cash string value, the equivalent comprehensive interest rate compounding series, and the equivalent inflation rate compounding series, and output through the output device Calculated cash string interest and its percentage;
- the processor is further configured to calculate a cash string value and a percentage thereof according to the cash string value, the cash string principal, and the cash string interest, and output the calculated cash string value and a percentage thereof through the output device;
- the processor is further configured to calculate a real interest of the cash string and a percentage thereof according to the value of the cash string, the real principal of the cash string, and the cash dividend value, and output the calculated real interest of the cash string and the percentage thereof through the output device .
- the processor is further configured to calculate a cash dividend and a percentage thereof, a financial bubble and a coefficient percentage thereof according to the true principal amount of the cash string and a percentage thereof, and a cash string principal and a percentage thereof, and calculate the output through the output device Cash dividends, financial bubbles and their coefficient percentages;
- the memory is configured to store a calculation period obtained by the input device, a central interest cycle period, a one-year central bank benchmark interest rate, a central bank benchmark interest rate corresponding to the calculation period, a one-year consumer price index, and an opening amount; Storing the result value calculated by the processor, and the result value includes a interest period, one year Period equivalent comprehensive interest rate, equivalent comprehensive interest rate, one-year equivalent inflation rate, equivalent interest rate, equivalent interest rate compound interest series, equivalent inflation rate, equivalent inflation rate compound interest series, equivalent comprehensive interest rate Compound interest series, equivalent comprehensive interest rate compounding series, equal value, cash string value, real principal amount and percentage of cash string, cash string principal and its percentage, cash string interest and its percentage, cash string value and its percentage, cash String of real interest and its percentage, cash flow, financial bubble and its coefficient percentage.
- the processor may be a central processing unit (CPU), and the processor may also be another general-purpose processor, a digital signal processor (DSP), Application Specific Integrated Circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware component, etc.
- the general purpose processor may be a microprocessor or the processor or any conventional processor or the like.
- the input device may include a touchpad, a fingerprint capture sensor (for collecting fingerprint information of the user and direction information of the fingerprint), a microphone, and the like.
- the output device may include a display (LCD or the like), a speaker, or the like.
- the memory can include read only memory and random access memory and provides instructions and data to the processor.
- a portion of the memory may also include a non-volatile random access memory.
- the memory can also store information of the device type.
- the cash string calculation is the parameter calculation during the calculation period.
- the one-year central bank benchmark interest rate, the central bank benchmark interest rate corresponding to the calculation period, and the one-year consumer price index forecast value are based on the public information published by the relevant departments in that year. .
- the public information published by the relevant departments especially the accuracy of the predicted value of the consumer price index, is not included in the patent for this case.
- the central bank's benchmark interest rate can be multiplied by different factors to express various forms of interest rates, such as home loan interest rates, commercial lending rates, and agricultural lending rates.
- the one-year loan interest rate was calculated.
- the conversion of the 30-year loan monthly interest rate is the equivalent comprehensive interest rate
- Calculate the one-year inflation rate f 1 0.015.
- the value of the cash string is calculated to be 21,132,280,000 yuan, of which the real principal of the cash string is 10 million yuan and its percentage is 45.59%, the cash string principal is 942.018 million yuan and its percentage is 42.95%, and the real interest of cash string is 637.845 million yuan.
- the percentage is 29.08%, the interest on cash string is 6.957.87 million yuan and its percentage is 31.72%, the cash dividend value is 555.4435 million yuan and its percentage is 25.33%, the cash dividend is 579.842 million yuan, the financial bubble is 707.163 million yuan, and the financial bubble coefficient percentage It is 3.5116%.
- This example calculates the original value of the cash price spectrum length ratio It is 164:105:91.
- This example calculates the ratio of the current value of the cash price spectrum It is 155:114:91.
- the cash string calculation system 2 includes:
- the data obtaining module 21 is configured to obtain a calculation period (years), an annual interest-bearing period, a one-year central bank benchmark interest rate, a central bank benchmark interest rate corresponding to the calculation period, and a one-year consumer price index, and are used according to the calculation period. , annual interest-bearing cycles, central bank benchmark interest rates, and consumer price index calculations Interest period, one-year equivalent comprehensive interest rate, equivalent comprehensive interest rate and one-year equivalent inflation rate, and output calculation period, central bank benchmark interest rate and calculated interest period;
- the equivalent interest rate and equivalent inflation rate calculation module 22 is configured to calculate an equivalent interest rate according to the one-year equivalent comprehensive interest rate and the one-year equivalent inflation rate, and is further used according to the equivalent comprehensive interest rate and Equivalent interest rate to calculate the equivalent inflation rate;
- the equal interest rate compounding series calculation module 23 is configured to calculate an equivalent interest rate compounding level according to the interest period and the equivalent interest rate;
- the equivalent inflation rate compounding series calculation module 24 is configured to calculate an equivalent inflation rate compounding series according to the interest period and the consumer price index, and output the calculated equivalent inflation rate compounding series;
- the equivalent comprehensive interest rate compounding series calculation module 25 is configured to calculate an equivalent comprehensive interest rate compounding series according to the interest period, the equivalent interest rate compounding series, and the equivalent inflation rate compounding series, and output the calculated and the like. Value comprehensive interest rate compounding series;
- the equivalent comprehensive interest rate compounding series calculation module 26 is configured to calculate an equivalent comprehensive interest rate compounding series according to the interest period and the equivalent comprehensive interest rate, and output the calculated equivalent comprehensive interest rate compounding series;
- the cash string value calculation module 27 is configured to calculate an equal value according to the input value (the initial amount) and the equivalent comprehensive interest rate compounding level, and is also used to calculate the cash string value according to the interest period and the equal value, and output the cash.
- the cash string principal calculation module 28 is configured to calculate a cash string principal and a percentage thereof according to the interest period, the cash string value, and the equivalent comprehensive interest rate compounding series, and output the calculated cash string principal and a percentage thereof;
- the cash string interest calculation module 29 is configured to calculate the cash string interest and the percentage thereof according to the interest period, the cash string value, the equivalent comprehensive interest rate compounding series, and the equivalent inflation rate compounding series, and output the calculated cash. String interest and its percentage;
- the cash string value calculation module 30 is configured to calculate a cash string value and a percentage thereof according to the cash string value, the cash string principal amount, and the cash string interest, and output the calculated cash string value and a percentage thereof;
- the cash string real interest calculation module 31 is configured to calculate the real interest of the cash string and the percentage thereof according to the cash string value, the real cash of the cash string and the cash string enthalpy value, and output the calculated real interest of the cash string and the percentage thereof.
- the cash string financial bubble calculation module 32 is configured to calculate the cash dividend according to the real cash of the cash string and the cash string principal, calculate the financial bubble by using the flying gold as the principal, and output the calculated cash dividend. , financial bubble and its coefficient percentage. According to the output, the positive and negative values of the cash string flying gold bubble are calculated, and the Bluetooth technology is used to control the sound and fluorescence of the magnetic suspension display ball.
- Feijin is usually used as the principal.
- the important difference between Feijin and the principal is that Feijin does not depreciate interest without interest, and the principal is both interest and interest. Depreciation, this brings the bubble calculated by the flying gold as the principal, which is called the flying gold foam.
- the calculation formula of the flying gold foam is:
- the original value cash string Under the condition of currency inflation, the original value cash string has flying gold. Under the condition of currency deflation, the original value cash string has a flying interest.
- the negative value of the flying gold is to fly, so the above formula is also the formula for calculating the flying bubble.
- the difference is that the flying gold G o is positive (flying gold), the flying gold foam J o * is also positive, the flying gold G o is negative (flying interest), and the flying foam J o * is also negative.
- the flying bubble and the flying bubble are collectively referred to as the financial bubble, and the financial bubble is the value bubble.
- the financial bubble is the result of calculating the true principal as a principal.
- Harmfulness The financial bubble has time accumulation and spatial superposition effect. The result of accumulating financial bubbles in time and space brings the inflation financial crisis.
- the nominal interest rate of cash flow is the calculated interest rate of the cash flow equivalent.
- the real interest rate in the nominal interest rate is often constant because it represents the actual purchasing power. Therefore, it can be concluded that the nominal interest rate changes in the same direction as the inflation rate, that is, the change in the inflation rate. A change in nominal interest rates has come.
- CPI 1 is the predicted value of the one-year consumer price index
- CPI 0 is the benchmark value of the consumer price index for the previous year.
- the consumer price index CPI 1 is to select the previous year's consumer price index CPI 0 as the benchmark value of 100, so the above formula becomes:
- the consumer price index CPI 1 is not expressed by the officially announced development speed, but is expressed by the percentage of growth rate.
- the official announcement of CPI 1 102.5
- the equivalent comprehensive interest rate medium interest rate i ⁇ is constant during the calculation period, that is, the real interest rate does not change during the calculation period, and the inflation rate changes in the same direction as the nominal interest rate. Therefore, the equivalent calculation is calculated according to the central bank benchmark interest rate r corresponding to the calculation period.
- the comprehensive interest rate i p * and then calculate the equivalent inflation rate f ⁇ according to the equivalent interest rate i ⁇
- Cash flow has the concept of present value, equal value and final value according to the way of time flow. This is an accepted economic model that has been used by the financial community for hundreds of years. Now the cash flow is presented in a spatially distributed manner. The concept of value (principal), full value (principal + interest), and final value (interest) transforms the time value stream into a spatial value field concept.
- the selected interest period determines the unique number of annual interest periods m.
- Its calculation is The compound interest rate is calculated on the compound interest rate, and the single-cycle final value cash flow is regarded as the equivalent cash flow under the condition that the interest period is 1.
- the calculation is a simple interest calculation of the nominal interest rate, and now the financial industry's regular savings is a single-cycle final value cash flow.
- the present value of the invariant element is the value of the initial point of time (excluding the time value), that is, the principal, the value added is the difference between the value of the end of time and the value of the initial point (only time value), ie interest, Defining the value of the invariant elementary cash flow is the sum of the present value and the value added, that is, the value of the end of time. This is the value distribution of the single-interest-bearing cash flow. For the multi-interest-bearing period, the cash flow value distribution is the present value, the equal value and the cash flow value.
- a discount initial point (space origin) value is the present value P, ie
- the cash flow with interest period i is n
- the cash flow with interest rate i can be regarded as two cash flows.
- One is the cash flow with the interest period of n y and the interest rate is zero, and the other is the interest period nn.
- the interest rate is infinite value-added cash flow, which is the transformation formula of the conversion process of the invariant dollar cash flow value into the cash flow value storage process, which provides a theoretical basis for the cash flow value distribution.
- the cash flow consists of two parts, one is the present value cash flow, that is, the principal cash flow, and the other is the value-added cash flow, that is, the interest cash flow, the present value cash flow is in the front, including the space origin, and the value-added cash flow is After that, including the end of space, they cannot be interchanged before and after;
- the cash flow value J is the sum of the present value and the added value, expressed as the product of the interest period n and the equal value A.
- cash flow interest rate and the inflation rate are constant
- the actual yuan of any size at any point in the calculation period has a unique equivalent cash flow corresponding to it. Therefore, cash flow is usually an equal amount of cash flow.
- the value of cash flow is divided into three parts. The first part is the initial present value (principal P), the second part is time increment (interest S * ), and the third part is time depreciation (depreciation B * ), which can prove: cash flow first Only the present value will have value added, and the present value and value added will depreciate.
- cash flow value distribution shown in Figure 9 is based on the familiar actual meta-value distribution that is distinguished along the direction of the interest-bearing period, which is consistent with the actual meta-value distribution that is differentiated along the equal-value direction.
- the cash flow value J * is the product of the interest period n and the equal value A * , indicating that the cash flow value J * can be expressed by the cash flow model area, which relates the value of the dynamic simulated cash flow to its model physical space area. From cash flow to cash flow model is a shift from time value flow to spatial value distribution.
- the nominal interest rate for the time benchmark is r
- the nominal interest rate for the value benchmark is r a
- the two-dimensional cash flow model of the interest period n and the equal value A * is converted into the number of interest periods n and the interest period.
- the two-dimensional interest cycle space of number A * is a virtual space invisible to human vision, and it is also a realistic space in which cash flow intuition feels. It is transformed from an economic economic model to a physical model of physics (see Figure 9). .
- the spatial area of the two-dimensional interest cycle differs from the physical space area in that the former area unit is not the square of the interest period, but the interest period with the mean, that is, the interest period n with the mean A, or
- the duty cycle A of the mean n and the duality of the spatial area unit of the two-dimensional interest cycle bring about the constraint problem of the cash flow value calculated by the two-dimensional interest period space area.
- the cash flow is equivalent, that is, under different constant interest rate conditions, the value of different funds at different points in time is equal at any point in the calculation period, and the present value of the element P, the value added S * , the devaluation B * and the value J * evolve into a two-dimensional meter.
- the periodic space equivalent element
- the cash flow value J * can be expressed by the two-dimensional interest period space area, but when the equivalent element is expressed by the area, there is a condition that the interest period n is constant or the equal value A * is unchanged, so
- the cash flow value J * is represented by a two-dimensional interest cycle space diagonal W ⁇ path, which has a value strength, that is, a cash flow value V * of a unit interest period, that is,
- the value-added segment has a demarcation point
- the time value S * can be accumulated, and due to the devaluation of the time value, the time ⁇ B * can be accumulated at the end point.
- the change real interest rate is first evolved into a constant equivalence interest rate i ⁇
- the change inflation rate is evolved into a constant equivalent inflation rate f ⁇ , ie
- the equivalent comprehensive interest rate i p * is calculated by the equivalent interest rate and the equivalent inflation rate according to the nominal interest rate r formula:
- i p * i ⁇ +f ⁇ +i ⁇ ⁇ f ⁇
- the above formula is a compound transfer calculation formula for calculating the spatial original value Y according to the constant equivalent comprehensive interest rate i p * .
- the effective value and the invalid value of the equivalent comprehensive interest rate i p * are observed in the two-dimensional interest period space, that is, the spatial original value and the added value, and there is a vertical boundary line n y * and a horizontal boundary line A. y * , they intersect at the equivalent boundary point W y * on the diagonal, so we know that n y * is to find A y * as:
- the front part of the equivalent path has the origin and the back part has the end point, it is determined that the original value Y can be accumulated at the origin of the equivalent path, and the increased value X * can be accumulated at the end point, and the added value X * is the aging value S x * and The time depreciation is the sum of B * .
- the actual meta-equal rate i ⁇ and the equivalent inflation rate f ⁇ are in accordance with the equivalent space structure of the first value-added ⁇ value (see Figure 9).
- the above formula is a compound interest calculation formula for calculating the spatial present value P o according to the equivalent comprehensive interest rate i p ⁇ .
- the spatial present value P o , the time value S * and the time threshold B * are calculated by the equivalent comprehensive interest rate i p ⁇ in the two-dimensional interest period space, and there is a vertical boundary line n y ⁇ and a horizontal boundary line A. y ⁇ , they intersect at the equidistant boundary point W y ⁇ on the diagonal, so we know that n y ⁇ is to find A y ⁇ as:
- the diagonal W ⁇ of the two-dimensional interest cycle model that is, the diagonal of the present value dimension n and the value-added dimension A * is a path, thereby making an artifact containing the value of money, which is called a cash string.
- the cash string there are successively sorted the spatial origin, the boundary between the effective value and the currency appreciation, the demarcation point of the currency appreciation and the currency depreciation, and the end point of the space, on which values of different nature can be gathered.
- This means that the cash string is used to order the effective value, currency appreciation and currency depreciation in a segmented line segment.
- the four characteristics of (a), (b), (c), and (d) of the cash flow area used to accommodate the cash flow value are also applicable to the cash string path to accommodate the cash string value, and the cash string value is the cash flow value. .
- the cash string W ⁇ is the number of interest periods that can be calculated according to the path relationship. It can also calculate the interest rate i by applying the number of interest periods W ⁇ as the number of interest period cycles A * . Pw ⁇ , ie
- the total value of the funds in the former investment project is expressed by the value of the cash flow. What is the principal amount of the cash flow value, and what is the value of the increase? Only through the calculation of professionals can the answer, the customer is most concerned about how to separate the real interest and the depreciation in the added value, what is the real interest rate? Now change the cash flow to a cash string.
- the total value of the investment project funds is expressed by the value of the cash string.
- the actual principal amount of the cash string value, the actual interest amount, and the depreciation is the origin of the two-dimensional interest period space cash string. , The intersection of the junction point, the demarcation point and the relative position of the end point is easy for the customer to observe and accept. It is an advancement in science and technology to replace the cash flow with a cash string.
- Natural white light can be decomposed into seven-color light, and the spectrum is formed according to the frequency.
- the value of the cash string can also be decomposed into the principal, interest and depreciation.
- the value sequence is formed according to the extreme value of the interest rate, which is called the cash string price spectrum, which is called the cash price spectrum.
- the nominal interest rate r is the constant interest rate synthesized by the constant real interest rate i and the constant inflation rate f.
- the value distribution of the invariant meta-cash flow under the condition of no inflation can also be applied to the value distribution of the actual meta-cash flow under inflation conditions, with the same value distribution (a), ( The four characteristics of b), (c), and (d) are different in that the value-added cash flow is transformed into an increased value cash flow, and the added value is the sum of the value added and the depreciation, that is,
- the cash flow time process interest period n is equivalent to the cash string space path interest period W r
- the cash flow time process interest cycle interest rate r is equivalent to the cash string space path interest cycle interest rate r w , they Has the following equation:
- the proportional formula is a proportional cash-price spectrum proportional formula, and the same proportional formula is obtained according to the cash flow equivalent value. Therefore, the nominal cash string price spectrum proportional formula is the cash flow price spectrum proportional formula.
- the cash string is composed of the principal cash string, the interest cash string and the depreciation cash string.
- the nominal cash string interest rate price spectrum which is determined by the actual interest rate and the inflation rate of zero or infinity, is also the cash flow rate price spectrum.
- the difference is that the former is W r and the value intensity is V * , the latter.
- the time period of interest is n, and the equal value is A * .
- the comprehensive expression of the cash string rate price spectrum determined by zero or infinity, the cash string value J * is equal to the sum of the present value P, the time value S * and the ⁇ value B * , it is like the white light that people see is different frequency seven-color light The overall performance is the same.
- the cash string interest rate price spectrum directly shows the proportional relationship between the cash string principal, interest and depreciation.
- the cash string segmentation accommodates principal, interest and depreciation, and has a proportional formula for compound interest calculation according to the equivalent comprehensive interest rate i p ⁇ :
- the equivalent comprehensive interest rate i p ⁇ calculates the spatial present value P o , which is equal to the constant interest rate and the inflation rate.
- the proportional formula directly reflects the ratio of the principal, interest and depreciation in the cash flow. It is also said that the proportional formula is also the ratio of the present value of the cash price spectrum. Therefore, the present value of the cash string interest rate is the nominal cash dividend rate and the cash. Flow rate price spectrum, but their preconditions are different.
- the basic parameters of cash flow are cash flow interest period, real interest rate and inflation rate.
- the present value cash dividend rate price spectrum directly shows the relationship between cash flow principal, interest and depreciation ratio.
- the cash string segment accommodates the real principal, real interest and depreciation, and has a proportional formula for the retransmission of the equivalent comprehensive interest rate i p * :
- the equivalent comprehensive interest rate i p ⁇ calculates the spatial present value P o , which is not equal to the equivalent comprehensive interest rate i p * calculates the spatial original value Y, so n y ⁇ ⁇ n y * , they
- the difference between the actual interest rate and the inflation rate under the condition of changing the equivalent comprehensive interest rate i p * reflects the ratio of real principal, real interest and depreciation in the cash string, which is called the original value of cash.
- the price spectrum is proportional.
- the proportion of their origin, junction, demarcation point and end point is only related to the interest period, the actual interest rate and the inflation rate, and the true
- the size of the gold or the principal is irrelevant, so the proportion of the cash price spectrum is the basic formula of the cash price spectrum.
- the formula is established by the equal value A * ⁇ 0 and the interest period n ⁇ 0, and any one of the conditions is not satisfied.
- the proportion of the cash price spectrum does not hold.
- the cash string evolves into a time dimension.
- the cash string spectrum proportional is described by the time dimension parameter, it is not a time-price spectrum proportional nor a cash flow rate spectrum ratio. formula.
- the cash price spectrum proportional formula is described by the time dimension parameter, the space cash string length is the interest period n, and the cash string value strength is the equal value A * .
- the main difference between the original value of the cash price spectrum and the present value of the cash price spectrum is the emergence of Feijin.
- the dead cash string is a nominal cash string where the real interest rate and inflation rate do not change. There is no flying cash; the live cash string is The original value cash string of the actual interest rate and inflation rate changes, there is flying gold.
- the cash string exists in a superposition, and the cash string is superimposed due to changes in real interest rates and inflation rates.
- the cash string has two states, one is the nominal cash string status (unchanged real interest rate and constant inflation rate), and the other is the original value cash string status (changing the actual interest rate and changing inflation) Rate), because their differences are not the same (the cash string length is the same, the value strength is the same, the equivalent interest rate (real interest rate) is the same size, the equivalent inflation rate (inflation rate) is the same size, and the interest-bearing path is the same) , but the state is different (the difference between the cash price spectrum and the flying gold). Before people can observe it, they are undetermined. It is a single state superposition.
- the nominal cash string and the original value cash string are the superimposed state of the cash string, and finally collapsed to the original value cash string.
- the difference between the nominal cash string and the original value cash string is that the former has the same real interest rate and the inflation rate remains unchanged.
- the difference between the present value cash string and the original value cash string is that the former interest-bearing path and the devaluation path are calculated separately, and the latter interest-bearing path and the devaluation path are combined and calculated, and they are different in the interest-bearing path, which brings a two-dimensional interest period.
- the value dimension changes to the original value dimension, and the value-added dimension changes to the effect value dimension. They reflect the difference of the entity and are a kind of cash string multi-body superposition.
- Flying gold is the value of a stealth transmission. This is inconsistent with people's understanding that Feijin needs to transmit from the beginning to the end of the time, because people understand that Feijin is certain before it is observed. In fact, Feijin is uncertain before it is observed. Feijin is the result of the entanglement of the cash string multi-body superposition.
- the Feijin bubble is the income of the flying gold calculated by using the flying gold as the principal.
- the income is the sum of the interest and the depreciation, that is,
- J o * is a flying gold foam
- G o is a flying gold
- B * is a depreciation
- P o is a principal
- a * is an equal value
- n is a term of interest
- L ⁇ represents the equivalent comprehensive interest rate compounding series
- L * represents the equivalent comprehensive interest rate compounding series.
- the negative value of flying gold is the interest rate, and the flying gold bubble calculation formula is also the calculation formula of the flying interest bubble, so it is also called the financial bubble calculation formula.
- the above two formulas for expressing the financial bubble are theoretical formulas.
- the interest period bubble n o does not exist, that is to say, the interest period n does not change, only the equal value can be changed, so
- the economic bubble uses the equal value bubble A o * to express the financial bubble.
- the financial bubble coefficient ⁇ is the ratio of the value bubble J o * to the cash string value J * , which is the characteristic value of the cash string with the financial bubble.
- the essence of the financial bubble is that the calculation of the value of the currency increase is calculated by the method of currency appreciation.
- the calculation formula of the currency increase value is a compound transfer calculation formula
- the currency value increase calculation formula is a compound interest calculation formula.
- the two formulas have different requirements for calculating interest rates.
- the interest rate in the formula for calculating the compound interest is the equivalent comprehensive interest rate i p *
- the interest rate in the compound interest calculation formula is the equivalent comprehensive interest rate i p ⁇ or the nominal interest rate r.
- the benchmark interest rate is based on the nominal interest rate (the actual interest rate is constant and the inflation rate is constant).
- the benchmark interest rate is the equivalent comprehensive interest rate i p * (the real interest rate is the same as the inflation rate) Therefore, the calculation of the benchmark interest rate is a re-transfer calculation. There is no financial bubble. However, if the benchmark interest rate is used as the nominal interest rate for compound interest calculation, a financial bubble will occur. At present, there is a financial bubble in the calculation of financial cash flow.
- the principal can only be calculated using the compound interest calculation formula.
- the real principal can only be calculated by the compound transfer calculation formula.
- the fly gold is the difference between the real principal and the principal, otherwise a financial bubble will be generated.
- the value bubble J o * , the interest period bubble n o , the equal value bubble A o * are different descriptions of the false value, the value bubble has no value, the interest period bubble has no interest period, and the equal value bubble has no equal value. Therefore, they have no division of principal, interest, and depreciation. They are collectively referred to as financial bubbles. Just as the financial bubble is a flying gold bubble, the negative financial bubble is a flying bubble.
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Abstract
Provided is a photoelectric digital magnetic suspension display ball for a financial bubble and a calculation method for the financial bubble. A top plate of a base of the photoelectric digital magnetic suspension display ball for the financial bubble is a circular photoelectric digital LED panel, and the display ball thereof is a magnetic suspension ball which displays characteristics of the financial bubble by applying photoelectric digital technology and magnetic suspension technology. The information of the financial bubble is displayed in the center of the photoelectric digital display panel, a cash value spectrum of the financial bubble is displayed in a multi-layer concentric circle, and audio information of the financial bubble is issued on a magnetic suspension ball by Bluetooth technology. Flying cash is real principal without interest or depreciation. However, in the modern financial cash flow environment, flying cash is calculated as the principal. When flying cash increases the calculation of the principal, the calculation of interest and depreciation is also increased. The flying cash serving as the added value of the interest and depreciation which are brought about by increasing calculation of the principal is the financial bubble. Hence, the authenticity of the financial bubble is related to the calculation of compound interest of flying cash, and the financial bubble will disappear as the calculation of compound interest of flying cash disappears.
Description
本发明属于金融科技领域,尤其涉及一种金融泡沫光电数码磁悬浮显示球及金融泡沫计算的方法。The invention belongs to the field of financial technology, and in particular relates to a financial foam photoelectric digital magnetic levitation display ball and a method for calculating a financial bubble.
在传统的经济学中,现金流的计算方法是一种资金时间流的计算方法,本金产生利息和贬值进行现金流等值计算,计算结果是本金产生计息期等额值(年值、月值等),等额值中所包含的本金、利息和贬值依次排列,就像光谱似的串为一体形成现金串价谱,而现金串价谱的价值构成就形成一种全新的价值空间计算方法。该全新的价值空间计算方法指出,在货币通货膨胀率、居民消费价格指数等波动的条件下,资金复转利计算带来了真正本金中不计利息也不贬值的“飞金”。In traditional economics, the calculation method of cash flow is a calculation method of capital time flow. The principal generates interest and depreciation to calculate the cash flow equivalent value. The calculation result is the equivalent value of the principal period of the principal period (year value, The monthly value, etc.), the principal, interest and depreciation included in the equal value are arranged in order, like a spectrum-like string to form a cash string price spectrum, and the value composition of the cash string price spectrum forms a brand-new value space. Calculation method. The new value space calculation method points out that under the conditions of fluctuations such as the currency inflation rate and the consumer price index, the calculation of the re-transfer of funds brings the “flying gold” that does not deduct interest or depreciation in the real principal.
飞金是真正本金与本金的差值,但是现阶段人们是将飞金当作本金进行复利计算,这样带来了飞金所产生的利息和贬值,即产生了金融泡沫。Feijin is the difference between the real principal and the principal. However, at this stage, people use Feijin as the principal for compound interest calculation, which brings the interest and depreciation generated by Feijin, which is a financial bubble.
现有光电数码展示技术是应用于电子信息展示,磁悬浮展示技术是应用于地球仪、商品模型、音箱等展示,但没有光电数码磁悬浮展示技术和产品。The existing photoelectric digital display technology is applied to electronic information display. The magnetic levitation display technology is applied to globes, commodity models, speakers, etc., but there is no photoelectric digital magnetic levitation display technology and products.
金融泡沫的实质是将真正本金复转利计算当作本金复利计算带来的结果,然而在现有的经济活动中,人们是无法直观的看到“金融泡沫”,更无法看到投资价谱外出现的“金融泡沫”。因此,如何直观地展示“金融泡沫”信息是当下的技术难题,亟待解决。The essence of the financial bubble is to calculate the real principal retransmission calculation as the result of the compound compounding calculation. However, in the existing economic activities, people cannot see the “financial bubble” intuitively, and they cannot see the investment. The “financial bubble” that appears outside the price spectrum. Therefore, how to visually display the "financial bubble" information is a current technical problem that needs to be resolved.
发明内容Summary of the invention
鉴于此,本发明为解决无法直观地展示金融泡沫,提供一种金融泡沫光电数码磁悬浮显示球及金融泡沫计算的方法。
In view of this, the present invention provides a method for calculating the financial bubble photoelectric digital magnetic levitation display ball and financial bubble in order to solve the financial bubble.
一种金融泡沫光电数码磁悬浮显示球,包括:显示球体,所述显示球体表面为光电数码LED屏,所述显示球体内设置钕铁硼磁体、扬声器以及接收光电信息、音讯信息的接收装置;所述钕铁硼磁体设置在所述显示球体的下端;底座,在所述底座上设有光电数码板,所述光电数码板为LED屏;所述底座内设有PCB电路板、控制电机以及控制模块,所述控制模块分别于所述PCB电路板、所述控制电机电连接;所述PCB电路板包括磁极线圈,所述磁极线圈产生的磁极与所述显示球内的钕铁硼磁体的磁极相同;电源,与所述控制模块、所述PCB电路板以及所述控制电机电连接,且设置在所述底座内;输入键盘,与所述控制模块电连接,且设置在所述底座侧面。A financial foam photoelectric digital magnetic levitation display ball, comprising: a display sphere, the surface of the display sphere is a photoelectric digital LED screen, the display sphere is provided with a neodymium iron boron magnet, a speaker, and a receiving device for receiving photoelectric information and audio information; The neodymium iron boron magnet is disposed at a lower end of the display sphere; the base is provided with an optoelectronic digital board on the base, the photoelectric digital board is an LED screen; the base is provided with a PCB circuit board, a control motor and a control a module, the control module is electrically connected to the PCB circuit board and the control motor respectively; the PCB circuit board includes a magnetic pole coil, a magnetic pole generated by the magnetic pole coil and a magnetic pole of the neodymium iron boron magnet in the display ball The power supply is electrically connected to the control module, the PCB circuit board and the control motor, and is disposed in the base; an input keyboard is electrically connected to the control module and disposed on a side of the base.
还提供一种金融泡沫计算的方法,包括:获取计算期、年计息周期数、一年期央行基准利率、计算期对应的央行基准利率以及一年期居民消费价格指数,计算计息期、一年期等效综合利率、等效综合利率以及一年期等值通货膨胀率,并输出计算期、央行基准利率以及计算得到的计息期等计算获得。A method for calculating a financial bubble is also provided, including: obtaining a calculation period, an annual interest-bearing period, a one-year central bank benchmark interest rate, a central bank benchmark interest rate corresponding to the calculation period, and a one-year consumer price index, and calculating the interest period, The one-year equivalent comprehensive interest rate, the equivalent comprehensive interest rate, and the one-year equivalent inflation rate are calculated and calculated by the calculation period, the central bank benchmark interest rate, and the calculated interest period.
采用本方案,可以通过底座把经济学中的真正本金信息、本金信息、真正利息信息、利息信息、贬值信息、飞金信息以及金融泡沫,生动形象地展示,实现人们直观的了解现金串有序容纳本金、利息、贬值,同时展示金融泡沫,并用光电和语音显示计算的结果。With this scheme, the real principal information, principal information, real interest information, interest information, depreciation information, Feijin information and financial bubble in economics can be vividly displayed through the base, realizing people's intuitive understanding of cash strings. Orderly accommodate the principal, interest, depreciation, and display the financial bubble, and display the results of the calculation using optoelectronics and voice.
为了更清楚地说明本发明实施例中的技术方案,下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍,显而易见地,下面描述中的附图仅仅是本发明的一些实施例,对于本领域普通技术人员来讲,在不付出创造性劳动性的前提下,还可以根据这些附图获得其他的附图。In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings used in the embodiments or the description of the prior art will be briefly described below. It is obvious that the drawings in the following description are only the present invention. For some embodiments, other drawings may be obtained from those of ordinary skill in the art without departing from the drawings.
图1是一实施例中金融泡沫光电数码磁悬浮显示球的示意图;1 is a schematic view of a financial foam photoelectric digital magnetic levitation display ball in an embodiment;
图2是图1中金融泡沫光电数码磁悬浮显示球底座的结构的示意图;2 is a schematic view showing the structure of the financial foam photoelectric digital magnetic levitation display ball base of FIG. 1;
图3是通货膨胀空间飞金泡沫的底座光电数码价谱示意图;
Figure 3 is a schematic diagram of the photoelectric digital spectroscopy of the base of the inflation space flying gold foam;
图4是通货紧缩空间飞息泡沫的底座光电数码价谱示意图;Figure 4 is a schematic diagram of the photoelectric digital spectroscopy of the base of the deflation space flying foam;
图5是图1中底座内的模块示意图;Figure 5 is a schematic view of the module in the base of Figure 1;
图6是一实施例中现金串计算方法的实现流程示意图;6 is a schematic diagram showing an implementation flow of a cash string calculation method in an embodiment;
图7是一实施例中现金串计算***的组成结构示意图;7 is a schematic structural diagram of a structure of a cash string calculation system in an embodiment;
图8是二维计息周期空间模型图;Figure 8 is a two-dimensional interest cycle space model diagram;
图9是现值现金串价谱的示意图;Figure 9 is a schematic diagram of the present value cash price spectrum;
图10是原值现金串价谱的示意图。Figure 10 is a schematic diagram of the original value cash price spectrum.
为了使本发明的目的、技术方案及优点更加清楚明白,以下结合附图及实施例,对本发明进行进一步详细说明。应当理解,此处所描述的具体实施例仅仅用以解释本发明,并不用于限定本发明。The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
为了说明本发明所述的技术方案,下面通过具体实施例来进行说明。In order to explain the technical solution described in the present invention, the following description will be made by way of specific embodiments.
结合附图1~5,金融泡沫光电数码磁悬浮显示球,包括:底座、控制模块、电源、输入键盘以及显示球体(含磁悬浮显示球部件)。1 to 5, the financial foam photoelectric digital magnetic levitation display ball includes: a base, a control module, a power source, an input keyboard, and a display sphere (including a magnetic levitation display ball component).
底座,为一规则整体构件,内部收容各器件,且起到支撑作用。在本实施例中,底座为立体圆锥形,结构稳定。在其它实施例中,可以是多面体或其它不规则形状。底座中央是可旋转的LED面板,在旋转面板的外圆环部分是固定LED显示屏。The base is a regular integral member that houses the components inside and plays a supporting role. In this embodiment, the base is a three-dimensional conical shape and the structure is stable. In other embodiments, it may be a polyhedron or other irregular shape. The center of the base is a rotatable LED panel, and the outer ring portion of the rotating panel is a fixed LED display.
控制模块,设置在底座内。控制模块为电子集成电路板,控制显示球体的显示等控制作用。The control module is set in the base. The control module is an electronic integrated circuit board that controls the display of the display of the sphere and the like.
电源,与控制模块电连接,且设置在底座内。该电源可以蓄电池,也可以是外接外部能源,同时提供显示球体的动力源。The power source is electrically connected to the control module and is disposed in the base. The power source can be a battery or an external external energy source, and provides a power source for displaying the sphere.
输入键盘,与控制模块电连接,且设置在底座表面。输入键盘,可以根据按键控制输入相应的数值信息,例如计算期、年计息周期数、投资金额等,在圆型光电数码LED面板上显示计算期、年计息周期数、投资的输入信息。The input keyboard is electrically connected to the control module and is disposed on the surface of the base. The input keyboard can input corresponding numerical information according to the button control, such as calculation period, annual interest period, investment amount, etc., and display the calculation period, the annual interest period, and the input information of the investment on the circular photoelectric digital LED panel.
显示球体,显示球面是LED显示屏,显示球与底座磁悬浮联系,自旋球内
设置扬声器。Display the sphere, the display sphere is the LED display, the display ball is connected with the base magnetic levitation, and the spin ball is
Set the speaker.
具体地,在底座顶面LED面板为圆形显示面板,显示面板有两个同心圆区域,内圆区域是金融泡沫区域,所述金融泡沫区域为可旋转的面板。Specifically, the LED panel on the top surface of the base is a circular display panel, the display panel has two concentric circles, the inner circular area is a financial foam area, and the financial foam area is a rotatable panel.
底座顶板LED内圆显示金融泡沫J0
*和金融泡沫系数百分数ω%为:The inner circle of the ceiling of the base shows the financial bubble J 0 * and the percentage of the financial bubble coefficient ω%:
金融泡沫是通过磁悬浮球LED屏来展示的,在货币通货膨胀的条件下显示正值金融泡沫和正值金融泡沫系数百分数,在货币通货紧缩的条件下,显示负值金融泡沫和负值金融泡沫系数百分数,并通过蓝牙技术音频传输在磁悬浮球上发出金融泡沫的有关信息。The financial bubble is displayed by the magnetic suspension ball LED screen. Under the condition of currency inflation, it shows the positive value of the financial bubble and the positive financial bubble coefficient. Under the condition of currency deflation, it shows the negative financial bubble and the negative financial bubble. Percentage of coefficients, and information about the financial bubble emitted on the magnetic levitation ball via Bluetooth technology audio transmission.
外圆区域是价谱区域,外圆与内圆半径的差代表了计息期n现金串,外圆对应于计息期零点,内圆对应于计息期末点,计息期现金串等于本金(含加大本金)现金串、真正利息现金串以及贬值现金串的和,外圆与内圆半径的差也代表了现金串价值,现金串价值等于包含飞金的本金、真正利息以及贬值的和,按照价谱中包含飞金的本金、真正利息和贬值信息确定包含飞金的本金、真正利息和贬值信息的现金串尺寸。这就是说底座顶面LED面板圆的半径显示的不再是物理空间尺寸,而是现金串价谱中现金串尺寸,底座顶面LED面板圆环显示的是一种投资价谱。The outer circle area is the price spectrum area, and the difference between the outer circle and the inner circle radius represents the cash period of the interest period n, the outer circle corresponds to the zero point of the interest period, the inner circle corresponds to the end of the interest period, and the cash period of the interest period is equal to the present The sum of the cash (including the increased principal) cash string, the real interest cash string and the depreciation cash string. The difference between the outer circle and the inner circle radius also represents the value of the cash string. The value of the cash string is equal to the principal including the flying gold, and the real interest. And the sum of the depreciation, the cash string size including the principal, real interest and depreciation information of the flying gold is determined according to the principal, real interest and depreciation information of the flying gold included in the price spectrum. This means that the radius of the LED panel circle on the top of the base is no longer the physical space size, but the cash string size in the cash price spectrum. The LED panel ring on the top of the base shows an investment price spectrum.
在货币通货膨胀条件下,慢速顺时针旋转显示投资价谱,投资价谱圆环由外到里分别显示的是包含飞金的本金、真正利息和贬值,投资价谱中本金选用红色,利息选用蓝色,贬值选用黄色。Under the condition of currency inflation, the slow clockwise rotation shows the investment price spectrum. The investment price spectrum ring shows the principal, real interest and depreciation of the flying gold from the outside to the inside. The principal of the investment price spectrum is red. The interest is blue and the 贬 value is yellow.
在货币通货紧缩条件下,慢速逆时针旋转显示投资价谱,投资价谱圆环由里到外分别显示的是真正本金、包含飞息的利息和贬值,投资价谱中真正本金选用红色,包含飞息的利息选用蓝色,贬值选用黄色。Under the condition of currency deflation, the slow counterclockwise rotation shows the investment price spectrum. The investment price spectrum ring shows the real principal, the interest and the depreciation including the interest rate from the inside to the outside, and the real principal in the investment price spectrum is selected. Red, the interest including the flying interest is blue, and the 贬 value is yellow.
由于底座顶板LED显示的是现金串环形价谱,价谱中包含飞金的本金、真
正利息及贬值的比例式用复利级数表示为:Since the top panel LED of the base shows the cash string ring price spectrum, the price spectrum contains the principal and true of the flying gold.
The proportionality of positive interest and depreciation is expressed as a compound interest series:
其中,n=L0=L[0,n]=(1+0)-1+(1+0)-2+……+(1+0)-n
Where n=L 0 =L[0,n]=(1+0) -1 +(1+0) -2 +...+(1+0) -n
ny
*=L*=L[ip
*,n]=(1+ip
*)-1+(1+ip
*)-2+……+(1+ip
*)-n
n y * =L * =L[i p * ,n]=(1+i p * ) -1 +(1+i p * ) -2 +...+(1+i p * ) -n
底座顶板LED显示的现金串环形价谱就是原值现金串价谱,只是原值现金串中真正本金现金串用包含飞金的本金现金串所替代。The cash string ring price spectrum displayed by the LED on the top of the base is the original value of the cash price spectrum, except that the real cash bundle in the original value cash string is replaced by the cash bundle containing the cash.
底座顶面光电数码显示价谱是半径为h的圆,用圆的半径尺寸表示现金串的尺寸。圆的圆心部分表示金融泡沫,圆环部分由外向里表示包含飞金的本金、真正利息和贬值价谱,圆环的内外圆半径的差值表示现金串计息期n(外圆点为零,内圆点为n),价谱中现金串原点对应尺寸为0,现金串分界点对应尺寸为等效交界点ny
*对应尺寸为hy
*、等值交界点ny
△的对应尺寸为hy
△。The photoelectric digital display on the top surface of the base is a circle with a radius of h, and the size of the cash string is represented by the radius of the circle. The center part of the circle represents the financial bubble, and the ring part represents the principal, real interest and depreciation price spectrum of the flying gold from the outside to the inside. The difference between the inner and outer circle radius of the ring indicates the cash string interest period n (the outer point is Zero, the inner point is n), the origin of the cash string origin in the price spectrum is 0, the cash string demarcation point Corresponding size is The equivalent junction point n y * corresponds to the size h y * , and the corresponding size of the equivalent junction point n y Δ is h y Δ .
底座顶面光电数码圆环显示:(0-hy
*)段表示包含飞金的本金,用红色,(hy
△-hy
*)段表示加大本金,即飞金,也用红色,段表示真正利息,用蓝色,段表示贬值,用黄色。The top digital photo of the base shows: (0-h y * ) indicates the principal of the flying gold, and the red, (h y △ -h y * ) segment indicates the increase of the principal, that is, the flying gold, also used red, Segments represent real interest, in blue, The segment indicates the depreciation, in yellow.
应该指出,底座顶面圆环光电数码显示与货币通货膨胀状态有关,在货币通货膨胀的条件下,底座顶面圆的圆心旋转部分表示飞金泡沫(正值金融泡沫)区,其上方磁悬浮显示球LED屏显示飞金泡沫信息,圆环部分由外向里表示本金、加大本金,即飞金、真正利息和贬值价谱;在货币通货紧缩的条件下,底座顶面圆的圆心旋转部分表示飞息泡沫(负值金融泡沫)区,其上方磁悬浮显示球LED屏显示飞息泡沫信息,圆环部分由外向里表示贬值、利息、加大利息,即飞息、和真正本金价谱。It should be pointed out that the photoelectric digital display of the top surface of the base is related to the state of currency inflation. Under the condition of currency inflation, the rotating part of the center of the top circle of the base represents the area of the flying gold foam (positive financial bubble), and the magnetic levitation display above it The ball LED screen displays the information of the flying gold foam. The ring part expresses the principal and the principal by the outward direction, that is, the flying gold, the real interest and the depreciating price spectrum; under the condition of the currency deflation, the center of the top circle of the base rotates. Part of the Feiyu bubble (negative financial bubble) area, the magnetic suspension above the display ball LED screen shows the information of the flying bubble, the ring part from the outward to the inside to indicate the depreciation, interest, increase interest, that is, flying interest, and the real principal price spectrum .
采用上述方案,通过金融泡沫光电数码磁悬浮显示球把经济学中的包含飞金的本金信息、真正利息信息、贬值信息以及金融泡沫信息,生动形象地展示出来,人们可直观地了解金融泡沫信息。
Using the above scheme, the financial bubble photoelectric digital magnetic levitation display ball vividly displays the principal information, real interest information, depreciation information and financial bubble information in the economics, and people can intuitively understand the financial bubble information. .
在一实施例中,该控制模块包括:运算单元(图未示)、存储器(图未示)。运算单元接受输入信息,检索基准利率、居民消费价格指数信息,计算真正本金信息、本金信息、真正利息信息、利息信息、贬值信息、飞金信息以及金融泡沫信息,存储器存储输入和计算信息;运算单元还显示面板的显示。In an embodiment, the control module includes an arithmetic unit (not shown) and a memory (not shown). The computing unit accepts the input information, searches the benchmark interest rate, the consumer price index information, and calculates the true principal information, the principal information, the real interest information, the interest information, the depreciation information, the flying gold information, and the financial bubble information, and the memory stores the input and the calculation information. The arithmetic unit also displays the display of the panel.
在其它实施例中,控制模块还包括:通讯单元,传输本金信息、利息信息、贬值信息、真正利息信息、飞金信息、金融泡沫信息以及语音信息;人们只需要用可接收该通讯单元发出通讯信号的移动设备,例如手机、笔记本电脑、PDA等,都可以实时的获得上述经济信息。可以理解,可接收该通讯单元发出通讯信号的也可以是“固定设备”,例如家用台式电脑、电视或者展示面板等。进一步的说明,该通讯单元可以是WIFI、蓝牙、红外灯无线通信单元。In other embodiments, the control module further includes: a communication unit, transmitting principal information, interest information, depreciation information, real interest information, fly gold information, financial bubble information, and voice information; and the person only needs to receive the communication unit to receive Mobile devices such as mobile phones, laptops, PDAs, etc., can obtain the above economic information in real time. It can be understood that the communication unit can receive the communication signal, which can also be a “fixed device”, such as a home desktop computer, a television or a display panel. Further, the communication unit may be a WIFI, Bluetooth, infrared light wireless communication unit.
在一实施例中,金融泡沫光电数码磁悬浮显示球,还包括显示灯按钮和数字键盘,设置在所述椎体底座侧面,输入计算期、年计息周期数、投资信息,在底座光电数码显示板上显示输入信息。In an embodiment, the financial foam photoelectric digital magnetic levitation display ball further includes a display light button and a numeric keypad disposed on the side of the vertebral body base, inputting a calculation period, an annual interest cycle number, investment information, and a photoelectric digital display on the base The input information is displayed on the board.
在一实施例中,还包括扬声器,设置在所述磁悬浮球内,输出语音信息。In an embodiment, a speaker is further disposed in the magnetic levitation ball to output voice information.
金融泡沫光电数码磁悬浮显示球能够更好地显示“金融泡沫”,更好地理解“金融泡沫”原理和展示过程,特介绍控制模块中的运算器是如何计算出“现金串价谱”中的包含飞金的本金信息,即真正本金信息、真正利息信息、贬值信息、飞金信息以及金融泡沫信息。Financial bubble photoelectric digital magnetic levitation display ball can better display the "financial bubble", better understand the "financial bubble" principle and display process, especially how the arithmetic unit in the control module calculates the "cash string price spectrum" Contains the principal information of Feijin, namely real principal information, real interest information, depreciation information, Feijin information and financial bubble information.
基于此,具体的算法如下:Based on this, the specific algorithm is as follows:
图7步骤S101,获取计算期(年数)、年计息周期数、一年期央行基准利率、计算期对应的央行基准利率以及一年期居民消费价格指数。In step S101 of FIG. 7, the calculation period (years), the annual interest-bearing period, the one-year central bank benchmark interest rate, the central bank benchmark interest rate corresponding to the calculation period, and the one-year consumer price index are obtained.
在本实施例中,接收输入的计算期(年数)及年计息周期数,并从互联网或有关部门获取所述一年期央行基准利率、计算期对应的央行基准利率、一年期居民消费价格指数(预测值),并根据所述计算期、年计息周期数、一年期央行基准利率、计算期对应的央行基准利率以及一年期居民消费价格指数,计算计息期、一年期等效综合利率、等效综合利率以及一年期等值通货膨胀;
In this embodiment, the input calculation period (years) and the annual interest period are received, and the one-year central bank benchmark interest rate, the central bank benchmark interest rate corresponding to the calculation period, and the one-year resident consumption are obtained from the Internet or relevant departments. Price index (predicted value), and calculate the interest period, one year based on the calculation period, the annual interest period, the one-year central bank benchmark interest rate, the central bank benchmark interest rate corresponding to the calculation period, and the one-year consumer price index. Period equivalent comprehensive interest rate, equivalent comprehensive interest rate and one-year equivalent inflation;
具体的,可以采用以下公式计算计息期、一年期等效综合利率、等效综合利率以及一年期等值通货膨胀率:Specifically, the following formula can be used to calculate the interest period, the one-year equivalent comprehensive interest rate, the equivalent comprehensive interest rate, and the one-year equivalent inflation rate:
n=T·m (m≥1/T)n=T·m (m≥1/T)
ip1
*=r1/mi p1 * =r 1 /m
ip
*=r/mi p * =r/m
f1
Δ≈(CPI1/100-1)/mf 1 Δ ≈ (CPI 1 /100-1)/m
其中,n表示计息期(计息周期数),T表示计算期(年数),m表示年计息周期数(一年内计息周期数),ip1
*表示一年期等效综合利率,r1表示一年期央行基准利率(年利率),ip
*表示等效综合利率,r表示计算期对应的央行基准利率(年利率),f1
△表示一年期等值通货膨胀率,CPI1表示一年期居民消费价格指数(预测值)。Where n is the interest period (the number of interest periods), T is the calculation period (years), m is the number of annual interest periods (the number of interest periods in a year), and i p1 * is the one-year equivalent comprehensive interest rate. r 1 represents the one-year central bank benchmark interest rate (annual interest rate), i p * represents the equivalent comprehensive interest rate, r represents the central bank's benchmark interest rate (annual interest rate) in the calculation period, and f 1 △ represents the one-year equivalent inflation rate. CPI 1 represents the one-year consumer price index (predicted value).
步骤S102,根据所述一年等效综合利率以及一年期等值通货膨胀率计算等值利率,根据所述等效综合利率以及计算得到的等值利率计算等值通货膨胀率。Step S102: Calculate the equivalent interest rate according to the one-year equivalent comprehensive interest rate and the one-year equivalent inflation rate, and calculate the equivalent inflation rate according to the equivalent comprehensive interest rate and the calculated equivalent interest rate.
具体的,可以采用以下公式计算等值利率和等值通货膨胀率:Specifically, the equivalent formula and the equivalent inflation rate can be calculated using the following formula:
iΔ=(ip1
*-f1
Δ)/(1+f1Δ)i Δ =(i p1 * -f 1 Δ )/(1+f 1 Δ)
fΔ=(ip
*-iΔ)/(1+iΔ)f Δ =(i p * -i Δ )/(1+i Δ )
其中,iΔ表示等值利率,ip1
*表示一年期等效综合利率,f1
△表示一年期等值通货膨胀率,i*
p表示等效综合利率,fΔ表示等值通货膨胀率。Where i Δ denotes the equivalent interest rate, i p1 * denotes the one-year equivalent comprehensive interest rate, f 1 △ denotes the one-year equivalent inflation rate, i * p denotes the equivalent comprehensive interest rate, and f Δ denotes the equivalent inflation rate rate.
步骤S103,根据所述计息期以及所述等值利率计算等值利率复利级数。Step S103, calculating an equivalent interest rate compounding level according to the interest period and the equivalent interest rate.
具体的,可以采用以下公式计算等值利率复利级数:Specifically, the following formula can be used to calculate the equivalent interest rate compounding series:
Li=L[iΔ,n]=(1+iΔ)-1+(1+iΔ)-2+……+(1+iΔ)-n=(1-(1+iΔ)Λ(-n))/iΔ
L i =L[i Δ ,n]=(1+i Δ ) -1 +(1+i Δ ) -2 +...+(1+i Δ ) -n =(1-(1+i Δ ) Λ (-n)) / i Δ
其中,Li表示等值利率复利级数,是L[iΔ,n]的缩写,n表示计息期。Where L i represents the equivalent interest rate compounding series, which is an abbreviation of L[i Δ , n], and n represents the interest period.
步骤S104,根据所述计息期以及等值通货膨胀率计算等值通货膨胀率复利级数,并输出计算得到的等值通货膨胀率复利级数。Step S104, calculating an equivalent inflation rate compounding series according to the interest period and the equivalent inflation rate, and outputting the calculated equivalent inflation rate compounding series.
具体的,可以采用以下公式计算等值通货膨胀率复利级数:
Specifically, the following formula can be used to calculate the equivalent inflation rate compounding series:
Lf=L[fΔ,n]=(1+fΔ)-1+(1+fΔ)-2+……+(1+fΔ)-n=(1-(1+fΔ)Λ(-n))/fΔ
L f =L[f Δ ,n]=(1+f Δ ) -1 +(1+f Δ ) -2 +...+(1+f Δ ) -n =(1-(1+f Δ ) Λ (-n))/f Δ
其中,Lf表示等值通货膨胀率复利级数,是L[fΔ,n]的缩写。Where L f represents the equivalent inflation rate compounding series and is an abbreviation for L[f Δ , n].
步骤S105,根据所述计息期、等值利率复利级数以及等值通货膨胀率复利级数计算等值综合利率复利级数,并输出计算得到的等值综合利率复利级数。Step S105, calculating an equivalent comprehensive interest rate compounding series according to the interest period, the equivalent interest rate compounding series, and the equivalent inflation rate compounding series, and outputting the calculated equivalent comprehensive interest rate compounding series.
具体的,可以采用以下公式计算等值综合利率复利级数:Specifically, the following formula can be used to calculate the equivalent comprehensive interest rate compounding series:
LΔ=L[ip
Δ,n]=(1+ip
Δ)-1+(1+ip
Δ)-2+……+(1+ip
Δ)-n=Li×Lf/nL Δ =L[i p Δ ,n]=(1+i p Δ ) -1 +(1+i p Δ ) -2 +...+(1+i p Δ ) -n =L i ×L f /n
其中,LΔ表示等值综合利率复利级数,是L[ip
Δ,n]的缩写。Among them, L Δ represents the equivalent comprehensive interest rate compounding series, which is an abbreviation of L[i p Δ , n].
步骤S106,根据所述计息期以及等效综合利率计算等效综合利率复利级数,并输出计算得到的等效综合利率复利级数。Step S106, calculating an equivalent comprehensive interest rate compounding level according to the interest period and the equivalent comprehensive interest rate, and outputting the calculated equivalent comprehensive interest rate compounding series.
具体的,可以采用以下公式计算等效综合利率复利级数:Specifically, the following formula can be used to calculate the equivalent comprehensive interest rate compounding series:
其中,L*表示等效综合利率复利级数,是L[ip
*,n]的缩写。Among them, L * represents the equivalent comprehensive interest rate compounding series, which is an abbreviation of L[i p * , n].
步骤S107,获取期初金额。In step S107, the opening amount is obtained.
根据输入值(期初金额)以及所述等效综合利率复利级数计算等额值,根据所述计息期、等额值计算现金串价值,并输出现金串真正本金(期初金额)以及计算得到的现金串真正本金百分比。Calculate the equivalent value according to the input value (the initial amount) and the equivalent comprehensive interest rate compounding series, calculate the cash string value according to the interest period and the equal value, and output the real cash amount (the initial amount) and the calculated The true principal percentage of the cash string.
具体的,可以采用以下公式计算等额值、现金串价值以及现金串真正本金百分比:Specifically, the following formula can be used to calculate the equivalent value, the cash string value, and the true principal percentage of the cash string:
A*=Y/L*
A * =Y/L *
J*=A*×nJ * =A * ×n
Y%=Y/J*×100%Y%=Y/J * ×100%
其中,A*表示等额值,Y表示现金串真正本金(期初金额),J*表示现金串价值,n表示计息期,Y%表示现金串真正本金百分比。Among them, A * represents the equal value, Y represents the real principal of the cash string (the beginning amount), J * represents the value of the cash string, n represents the interest period, and Y% represents the true principal percentage of the cash string.
步骤S108,根据所述计息期、现金串价值以及等值综合利率复利级数计算现金串本金及其百分比;
Step S108, calculating the cash string principal and its percentage according to the interest period, the cash string value, and the equivalent comprehensive interest rate compounding series;
Po=J*×LΔ/nP o =J * ×L Δ /n
Po%=Po/J*×100%P o %=P o /J * ×100%
其中,Po表示现金串本金,Po%表示现金串本金百分比,J*表示现金串价值,LΔ表示等值综合利率复利级数,n表示计息期。Where P o represents the cash string principal, P o % represents the cash string principal percentage, J * represents the cash string value, L Δ represents the equivalent comprehensive interest rate compounding series, and n represents the interest period.
步骤S109,根据所述计息期、现金串价值、等值综合利率复利级数以及等值通货膨胀率复利级数计算现金串利息及其百分比;Step S109, calculating the cash string interest and the percentage thereof according to the interest period, the cash string value, the equivalent comprehensive interest rate compounding series, and the equivalent inflation rate compounding series;
S*=J*×(Lf-LΔ)/nS * = J * × (L f - L Δ ) / n
S*%=S*/J*×100%S * %=S * /J * ×100%
其中,S*表示现金串利息,S*%表示现金串利息百分比,J*表示现金串价值,Lf表示等值通货膨胀率复利级数,n表示计息期。Among them, S * represents cash string interest, S * % represents cash string interest percentage, J * represents cash string value, L f represents equivalent inflation rate compound interest series, and n represents interest period.
步骤S110,根据所述现金串价值、现金串本金以及现金串利息计算现金串贬值及其百分比,并输出计算得到的现金串贬值及其百分比;Step S110, calculating a cash string value and a percentage thereof according to the cash string value, the cash string principal, and the cash string interest, and outputting the calculated cash string value and a percentage thereof;
B*=J*-Po-S*
B * =J * -P o -S *
B*%=B*/J*×100%B * %=B * /J * ×100%
其中,B*表示现金串贬值,B*%表示现金串贬值百分比,J*表示现金串价值,Po表示现金串本金,S*表示现金串利息。Where B * represents the cash string 贬 value, B * % represents the cash string 贬 value percentage, J * represents the cash string value, P o represents the cash string principal, and S * represents the cash string interest.
步骤S111,根据所述现金串价值、现金串真正本金以及现金串贬值计算现金串真正利息及其百分比,并输出计算得到的现金串真正利息及其百分比。Step S111, calculating the real interest of the cash string and the percentage thereof according to the value of the cash string, the real principal of the cash string, and the cash dividend value, and outputting the calculated real interest of the cash string and the percentage thereof.
Sx
*=J*-Y-B*
S x * =J * -YB *
Sx
*%=Sx
*/J*×100%S x * %=S x * /J * ×100%
其中,Sx
*表示现金串真正利息,Sx
*%表示现金串真正利息百分比,J*表示现金串价值,Y表示现金串真正本金,B*表示现金串贬值。Where S x * represents the real interest of the cash string, S x * % represents the true interest percentage of the cash string, J * represents the cash string value, Y represents the real principal of the cash string, and B * represents the cash string 贬 value.
步骤S112,根据所述现金串真正本金以及现金串本金计算现金串飞金及其金融泡沫,并输出计算得到的现金串飞金、金融泡沫及其金融泡沫系数百分数;。Step S112, calculating a cash dividend and a financial bubble according to the real cash of the cash string and the cash string principal, and outputting the calculated cash dividend, the financial bubble and the percentage of the financial foam coefficient thereof;
Go=Y-Po
G o =YP o
其中,Go表示现金串飞金,,Y表示现金串真正本金,Po表示现金串本金,(S*=S△)表示现金串利息,表示现金串贬值,Jo
*表示金融泡沫,ω%表示金融泡沫系数百分数,A*表示等额值,L*表示等效综合利率复利级数,L△表示等值综合利率复利级数,n表示计息期。。Where G o represents cash dividends, Y represents the true principal of the cash string, P o represents the cash string principal, (S*=S △ ) represents the cash string interest, which represents the cash string depreciation, and J o * represents the financial bubble, ω% represents the percentage of the financial bubble coefficient, A * represents the equivalent value, L * represents the equivalent comprehensive interest rate compounding series, L △ represents the equivalent comprehensive interest rate compounding series, and n represents the interest period. .
本发明实施例还提供一种现金串计算的***,所述***包括:The embodiment of the invention further provides a system for calculating cash bundles, the system comprising:
图8数据获取模块,用于获取计算期(年数)、年计息周期数、一年期央行基准利率、计算期对应的央行基准利率以及一年期居民消费价格指数,还用于根据所述计算期、年计息周期数、一年期央行基准利率、计算期对应的央行基准利率以及一年期居民消费价格指数计算计息期、一年期等效综合利率、等效综合利率以及一年期等值通货膨胀率,并输出计算期、央行基准利率以及计算得到的计息期;Figure 8 is a data acquisition module for obtaining a calculation period (years), an annual interest-bearing period, a one-year central bank benchmark interest rate, a central bank benchmark interest rate corresponding to the calculation period, and a one-year consumer price index, and is also used according to the The calculation period, the annual interest-bearing period, the one-year central bank benchmark interest rate, the central bank benchmark interest rate corresponding to the calculation period, and the one-year consumer price index calculation interest period, one-year equivalent comprehensive interest rate, equivalent comprehensive interest rate, and one The equivalent inflation rate for the year, and the calculation period, the central bank benchmark interest rate, and the calculated interest period;
等值利率及等值通货膨胀率计算模块,用于根据所述一年期等效综合利率以及一年期等值通货膨胀率计算等值利率,还用于根据所述等效综合利率以及等值利率计算等值通货膨胀率;An equivalent interest rate and equivalent inflation rate calculation module for calculating an equivalent interest rate based on the one-year equivalent comprehensive interest rate and a one-year equivalent inflation rate, and also for using the equivalent comprehensive interest rate and the like Value interest rate calculation equivalent inflation rate;
等值利率复利级数计算模块,用于根据所述计息期以及所述等值利率计算等值利率复利级数;An equal interest rate compounding series calculation module, configured to calculate an equivalent interest rate compounding level according to the interest period and the equivalent interest rate;
等值通货膨胀率复利级数计算模块,用于根据所述计息期以及等值通货膨胀率计算等值通货膨胀率复利级数,并输出计算得到等值通货膨胀率复利级数;The equivalent inflation rate compounding series calculation module is configured to calculate the equivalent inflation rate compounding series according to the interest period and the equivalent inflation rate, and output the equivalent inflation rate compounding series.
等值综合利率复利级数计算模块,用于根据所述计息期、等值利率复利级数以及等值通货膨胀率复利级数计算等值综合利率复利级数,并输出计算得到的等值综合利率复利级数;The equivalent comprehensive interest rate compounding series calculation module is configured to calculate the equivalent comprehensive interest rate compounding series according to the interest period, the equivalent interest rate compounding series and the equivalent inflation rate compounding series, and output the calculated equivalent value. Comprehensive interest rate compounding series;
等效综合利率复利级数计算模块,用于根据所述计息期以及等效综合利率计算等效综合利率复利级数,并输出计算得到的等效综合利率复利级数;
The equivalent comprehensive interest rate compounding series calculation module is configured to calculate an equivalent comprehensive interest rate compounding level according to the interest period and the equivalent comprehensive interest rate, and output the calculated equivalent comprehensive interest rate compounding series;
现金串价值计算模块,用于根据输入值(期初金额)以及所述等效综合利率复利级数计算等额值,还用于根据所述计息期、等额值计算现金串价值,并输出现金串真正本金(期初金额)以及计算得到的现金串真正本金百分比;The cash string value calculation module is configured to calculate an equal value according to the input value (the initial amount) and the equivalent comprehensive interest rate compounding series, and is further used for calculating the cash string value according to the interest period and the equal value, and outputting the cash string. The true principal (the beginning amount) and the calculated true principal percentage of the cash string;
现金串本金计算模块,用于根据所述计息期、现金串价值以及等值综合利率复利级数计算现金串本金及其百分比;a cash string principal calculation module, configured to calculate a cash string principal and a percentage thereof according to the interest period, the cash string value, and the equivalent comprehensive interest rate compounding series;
现金串利息计算模块,用于根据所述计息期、现金串价值、等值综合利率复利级数以及等值通货膨胀率复利级数计算现金串利息及其百分比;The cash string interest calculation module is configured to calculate the cash string interest and the percentage thereof according to the interest period, the cash string value, the equivalent comprehensive interest rate compounding series, and the equivalent inflation rate compounding series;
现金串贬值计算模块,用于根据所述现金串价值、现金串本金以及现金串利息计算现金串贬值及其百分比,并输出计算得到的现金串贬值及其百分比。The cash string depreciation calculation module is configured to calculate a cash string value and a percentage thereof according to the cash string value, the cash string principal amount and the cash string interest, and output the calculated cash string value and a percentage thereof.
现金串真正利息计算模块,用于根据所述现金串价值、现金串真正本金以及现金串贬值计算现金串真正利息及其百分比,并输出计算得到的现金串真正利息及其百分比。The cash string real interest calculation module is configured to calculate the real interest of the cash string and the percentage thereof according to the value of the cash string, the real principal of the cash string and the cash dividend value, and output the calculated real interest of the cash string and the percentage thereof.
现金串金融泡沫计算模块,用于根据所述现金串真正本金以及现金串本金计算现金串飞金,还根据所述现金串飞金、现金串利息、现金串贬值以及现金串本金计算金融泡沫,并输出计算得到现金串飞金、金融泡沫及其系数百分数。a cash string financial bubble calculation module, configured to calculate a cash dividend according to the real cash of the cash string and the cash string principal, and calculate a financial bubble according to the cash dividend, cash string interest, cash string depreciation and cash string principal And output the calculated cash dividends, financial bubbles and their coefficient percentages.
现金串计算***可以包括:一个或多个处理器,一个或多个输入设备,一个或多个输出设备和存储器。上述处理器、输入设备、输出设备和存储器通过总线连接。其中:The cash string computing system can include one or more processors, one or more input devices, one or more output devices, and memory. The above processor, input device, output device and memory are connected by a bus. among them:
所述处理器,用于通过所述输入设备获取计算期、年计息周期数、一年期央行基准利率、计算期对应的央行基准利率以及一年期居民消费价格指数,还用于根据所述计算期、年计息周期数、央行基准利率、居民消费价格指数计算计息期、一年期等效综合利率、等效综合利率以及一年期等值通货膨胀率,并通过所述输出设备输出计算期以及央行基准利率;The processor is configured to obtain, by using the input device, a calculation period, an annual interest-bearing period, a one-year central bank benchmark interest rate, a central bank benchmark interest rate corresponding to the calculation period, and a one-year consumer price index, and are also used according to the The calculation period, the annual interest-bearing period, the central bank benchmark interest rate, the consumer price index calculation of the interest period, the one-year equivalent comprehensive interest rate, the equivalent comprehensive interest rate, and the one-year equivalent inflation rate, and through the output Equipment output calculation period and central bank benchmark interest rate;
所述处理器,还用于根据所述一年期等效综合利率以及一年期等值通货膨胀率计算等值利率;根据所述等效综合利率以及等值利率计算等值通货膨胀率;根据所述计息期以及所述等值利率计算等值利率复利级数;根据所述计息期以
及等值通货膨胀率计算等值通货膨胀率复利级数;根据所述计息期、等值利率复利级数以及等值通货膨胀率复利级数计算等值综合利率复利级数;根据所述计息期以及等效综合利率计算等效综合利率复利级数,并通过所述输出设备输出计算得到的计息期、等值通货膨胀率复利级数;The processor is further configured to calculate an equivalent interest rate according to the one-year equivalent comprehensive interest rate and a one-year equivalent inflation rate; and calculate an equivalent inflation rate according to the equivalent comprehensive interest rate and the equivalent interest rate; Calculating an equivalent interest rate compounding level according to the interest period and the equivalent interest rate; according to the interest period
And the equivalent inflation rate to calculate the equivalent inflation rate compounding series; calculating the equivalent comprehensive interest rate compounding series according to the interest period, the equivalent interest rate compounding series, and the equivalent inflation rate compounding series; Calculating the equivalent comprehensive interest rate compounding series by the interest period and the equivalent comprehensive interest rate, and outputting the calculated interest period and the equivalent inflation rate compounding series through the output device;
所述处理器,还用于通过所述输入设备获取期初金额,根据所述输入值(期初金额)以及所述等效综合利率复利级数计算等额值,也用于根据所述计息期、等额值计算现金串价值,并通过所述输出设备输出现金串真正本金,即期初金额以及计算得到的现金串真正本金百分比;The processor is further configured to obtain an initial amount by the input device, calculate an equal value according to the input value (the initial amount) and the equivalent comprehensive interest rate compounding level, and also be used according to the interest period, The equal value calculates the value of the cash string, and outputs the true principal of the cash string through the output device, that is, the opening amount and the calculated true principal percentage of the cash string;
所述处理器,还用于根据所述计息期、现金串价值以及等值综合利率复利级数计算现金串本金及其百分比,并通过所述输出设备输出计算得到的现金串本金及其百分比;The processor is further configured to calculate a cash string principal and a percentage thereof according to the interest period, the cash string value, and the equivalent comprehensive interest rate compounding series, and output the calculated cash string principal and the percentage thereof through the output device ;
所述处理器,还用于根据所述计息期、现金串价值、等值综合利率复利级数以及等值通货膨胀率复利级数计算现金串利息及其百分比,并通过所述输出设备输出计算得到的现金串利息及其百分比;The processor is further configured to calculate a cash string interest and a percentage thereof according to the interest period, the cash string value, the equivalent comprehensive interest rate compounding series, and the equivalent inflation rate compounding series, and output through the output device Calculated cash string interest and its percentage;
所述处理器,还用于根据所述现金串价值、现金串本金以及现金串利息计算现金串贬值及其百分比,并通过所述输出设备输出计算得到的现金串贬值及其百分比;The processor is further configured to calculate a cash string value and a percentage thereof according to the cash string value, the cash string principal, and the cash string interest, and output the calculated cash string value and a percentage thereof through the output device;
所述处理器,还用于根据所述现金串价值、现金串真正本金以及现金串贬值计算现金串真正利息及其百分比,并通过所述输出设备输出计算得到的现金串真正利息及其百分比。The processor is further configured to calculate a real interest of the cash string and a percentage thereof according to the value of the cash string, the real principal of the cash string, and the cash dividend value, and output the calculated real interest of the cash string and the percentage thereof through the output device .
所述处理器,还用于根据所述现金串真正本金及其百分比以及现金串本金及其百分比计算现金串飞金及其百分比,金融泡沫及其系数百分数,并通过所述输出设备输出计算得到的现金串飞金、金融泡沫及其系数百分数;The processor is further configured to calculate a cash dividend and a percentage thereof, a financial bubble and a coefficient percentage thereof according to the true principal amount of the cash string and a percentage thereof, and a cash string principal and a percentage thereof, and calculate the output through the output device Cash dividends, financial bubbles and their coefficient percentages;
所述存储器,用于存储输入设备获取的计算期、年计息周期央数、一年期央行基准利率、计算期对应的央行基准利率、一年期居民消费价格指数以及期初金额;还用于存储所述处理器计算得到的结果值,结果值包括计息期、一年
期等效综合利率、等效综合利率、一年期等值通货膨胀率、等值利率、等值利率复利级数、等值通货膨胀率、等值通货膨胀率复利级数、等值综合利率复利级数、等效综合利率复利级数、等额值、现金串价值、现金串真正本金及其百分比、现金串本金及其百分比、现金串利息及其百分比、现金串贬值及其百分比、现金串真正利息及其百分比、现金串飞金、金融泡沫及其系数百分数等。The memory is configured to store a calculation period obtained by the input device, a central interest cycle period, a one-year central bank benchmark interest rate, a central bank benchmark interest rate corresponding to the calculation period, a one-year consumer price index, and an opening amount; Storing the result value calculated by the processor, and the result value includes a interest period, one year
Period equivalent comprehensive interest rate, equivalent comprehensive interest rate, one-year equivalent inflation rate, equivalent interest rate, equivalent interest rate compound interest series, equivalent inflation rate, equivalent inflation rate compound interest series, equivalent comprehensive interest rate Compound interest series, equivalent comprehensive interest rate compounding series, equal value, cash string value, real principal amount and percentage of cash string, cash string principal and its percentage, cash string interest and its percentage, cash string value and its percentage, cash String of real interest and its percentage, cash flow, financial bubble and its coefficient percentage.
应当理解,在本发明实施例中,所述处理器可以是中央处理单元(Central Processing Unit,CPU),该处理器还可以是其他通用处理器、数字信号处理器(Digital Signal Processor,DSP)、专用集成电路(Application Specific Integrated Circuit,ASIC)、现成可编程门阵列(Field-Programmable Gate Array,FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件等。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。It should be understood that, in the embodiment of the present invention, the processor may be a central processing unit (CPU), and the processor may also be another general-purpose processor, a digital signal processor (DSP), Application Specific Integrated Circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware component, etc. The general purpose processor may be a microprocessor or the processor or any conventional processor or the like.
所述输入设备可以包括触控板、指纹采传感器(用于采集用户的指纹信息和指纹的方向信息)、麦克风等。The input device may include a touchpad, a fingerprint capture sensor (for collecting fingerprint information of the user and direction information of the fingerprint), a microphone, and the like.
所述输出设备可以包括显示器(LCD等)、扬声器等。The output device may include a display (LCD or the like), a speaker, or the like.
所述存储器可以包括只读存储器和随机存取存储器,并向处理器提供指令和数据。所述存储器的一部分还可以包括非易失性随机存取存储器。例如,存储器还可以存储设备类型的信息。The memory can include read only memory and random access memory and provides instructions and data to the processor. A portion of the memory may also include a non-volatile random access memory. For example, the memory can also store information of the device type.
应该指出,现金串计算是计算期内参数计算,一年期央行基准利率、计算期对应的央行基准利率以及一年期居民消费价格指数预测值来说,以当年有关部门公布的公众信息为依据。在此说明有关部门公布的公众信息,尤其居民消费价格指数预测值的准确性不在本案例发明专利之中。同时央行基准利率可乘不同系数表现为各种形式的利率,如房屋贷款利率,商业贷款利率,农业贷款利率等。It should be pointed out that the cash string calculation is the parameter calculation during the calculation period. The one-year central bank benchmark interest rate, the central bank benchmark interest rate corresponding to the calculation period, and the one-year consumer price index forecast value are based on the public information published by the relevant departments in that year. . Here, the public information published by the relevant departments, especially the accuracy of the predicted value of the consumer price index, is not included in the patent for this case. At the same time, the central bank's benchmark interest rate can be multiplied by different factors to express various forms of interest rates, such as home loan interest rates, commercial lending rates, and agricultural lending rates.
举例说明上述过程:2015年1月银行房屋按揭贷款Y=1000万元(输入值),贷款期30年,计息期n=360个月,按照等额本息还款方式计算该贷款总价值(现金串价值)、其中本金(现金串真正本金、现金串本金)、利息(现金串真正
利息、现金串利息)和贬值(现金串贬值)多少?For example, the above process: Bank mortgage loan Y=10 million yuan (input value) in January 2015, loan period 30 years, interest period n=360 months, calculate the total value of the loan according to the equal principal and interest repayment method (cash) String value), where the principal (cash string real principal, cash string principal), interest (cash string real
What is interest, cash dividend interest, and depreciation (cash value)?
2015年1月中国房屋贷款一年期基准利率r1=5.60%,30年期基准利率r=6.15%,2015年居民消费价格指数增长预测值CPI1=1.5,换算一年期贷款月利率为一年期等效综合利率ip1
*=0.0560/12=0.004667,换算30年贷款月利率为等效综合利率计算一年期通货膨胀率f1=0.015。换算月通货膨胀率为等值通货膨胀率f1
△=0.015/12=0.00125。In January 2015, the one-year benchmark interest rate for China's housing loans was r 1 = 5.60%, the 30-year benchmark interest rate was r = 6.15%, and the 2015 consumer price index growth forecast was CPI 1 = 1.5. The one-year loan interest rate was calculated. The one-year equivalent comprehensive interest rate i p1 * =0.0560/12=0.004667, the conversion of the 30-year loan monthly interest rate is the equivalent comprehensive interest rate Calculate the one-year inflation rate f 1 =0.015. The converted monthly inflation rate is the equivalent inflation rate f 1 △ =0.015/12=0.00125.
2015-2045年(n=360)等额值(每月计算还款额):2015-2045 (n=360) equal value (calculated monthly repayment amount):
2015-2045年(n=360)现金串价值:2015-2045 (n=360) cash string value:
J*=A*×n=6.0923×360=2193.228(万元)J * =A * ×n=6.0923×360=2193.228 (ten thousand yuan)
Y%=Y/J*=1000÷2193.228=45.59%Y%=Y/J * =1000÷2193.228=45.59%
2015年(n=12)等值利率,也是2015-2045年(n=360)等值利率:The 2015 (n=12) equivalent interest rate is also the 2015-2045 (n=360) equivalent interest rate:
2015-2045年(n=360)等值通货膨胀率:2015-2045 (n=360) equivalent inflation rate:
2015-2045年(n=360)等值综合利率复利级数:2015-2045 (n=360) equivalent comprehensive interest rate compounding series:
2015-2045年(n=360)现金串本金及其百分比:2015-2045 (n=360) cash string principal and its percentage:
Po=J*×L[ip
Δ,n]/n=2193.228×154.6240÷360=942.0158(万元)
P o =J * ×L[i p Δ ,n]/n=2193.228×154.6240÷360=942.0158 (ten thousand yuan)
Po%=Po/J*=942.0158÷2193.228=42.95%P o %=P o /J * =942.0158÷2193.228=42.95%
2015-2045年(n=360)现金串利息及其百分比:2015-2045 (n=360) cash string interest and its percentage:
S*=J*×[L[fΔ,n]-L[ip
Δ,n]]/n=2193.228×114.2046÷360=695.7687(万元)S * =J * ×[L[f Δ ,n]-L[i p Δ ,n]]/n=2193.228×114.2046÷360=695.7687 (ten thousand yuan)
S*%=S*/J*=695.7687÷2193.228=31.72%S * %=S * /J * =695.7687÷2193.228=31.72%
2015-2045年(n=360)现金串贬值及其百分比:2015-2045 (n=360) cash dividends and their percentages:
B*=J*-Po-S*=2193.2280-942.0158-695.7687=555.4435(万元)B * =J * -P o -S * =2193.2280-942.0158-695.7687=555.4435 (ten thousand yuan)
B*%=B*/J*=555.4435÷2193.228=25.33%B * %=B * /J * =555.4435÷2193.228=25.33%
2015-2045年(n=360)现金串真正利息及其百分比:2015-2045 (n=360) cash string real interest and its percentage:
Sx
*=J*-Y-B*=2193.2280-1000-555.4435=637.7845(万元)S x * =J * -YB * =2193.2280-1000-555.4435=637.7845 (ten thousand yuan)
Sx
*%=Sx
*/J*=637.7845÷2193.228=29.08%S x * %=S x * /J * =637.7845÷2193.228=29.08%
2015-2045年(n=360)现金串飞金、金融泡沫及其系数百分数为:2015-2045 (n=360) cash dividends, financial bubbles and their coefficient percentages are:
Go=Y-Po=1000-942.0158=57.9842(万元)G o =YP o =1000-942.0158=57.9842 (ten thousand yuan)
该例计算现金串价值为2193.2280万元,其中现金串真正本金为1000万元及其百分比45.59%,现金串本金为942.0158万元及其百分比42.95%,现金串真正利息为637.7845万元及其百分比29.08%,现金串利息为695.7687万元及其百分比31.72%,现金串贬值为555.4435万元及其百分比25.33%,现金串飞金为57.9842万元,金融泡沫为77.0163万元,金融泡沫系数百分数为3.5116%。In this case, the value of the cash string is calculated to be 21,132,280,000 yuan, of which the real principal of the cash string is 10 million yuan and its percentage is 45.59%, the cash string principal is 942.018 million yuan and its percentage is 42.95%, and the real interest of cash string is 637.845 million yuan. The percentage is 29.08%, the interest on cash string is 6.957.87 million yuan and its percentage is 31.72%, the cash dividend value is 555.4435 million yuan and its percentage is 25.33%, the cash dividend is 579.842 million yuan, the financial bubble is 707.163 million yuan, and the financial bubble coefficient percentage It is 3.5116%.
该例计算原值现金串价谱长度比例为164∶105:91。This example calculates the original value of the cash price spectrum length ratio It is 164:105:91.
该例计算现值现金串价谱长度比例为155∶114:91。This example calculates the ratio of the current value of the cash price spectrum It is 155:114:91.
该现金串计算***2包括:The cash string calculation system 2 includes:
数据获取模块21,用于获取计算期(年数)、年计息周期数、一年期央行基准利率、计算期对应的央行基准利率以及一年期居民消费价格指数,并用于根据所述计算期、年计息周期数、央行基准利率以及居民消费价格指数计算计
息期、一年期等效综合利率、等效综合利率以及一年期等值通货膨胀率,并输出计算期、央行基准利率以及计算得到的计息期;The data obtaining module 21 is configured to obtain a calculation period (years), an annual interest-bearing period, a one-year central bank benchmark interest rate, a central bank benchmark interest rate corresponding to the calculation period, and a one-year consumer price index, and are used according to the calculation period. , annual interest-bearing cycles, central bank benchmark interest rates, and consumer price index calculations
Interest period, one-year equivalent comprehensive interest rate, equivalent comprehensive interest rate and one-year equivalent inflation rate, and output calculation period, central bank benchmark interest rate and calculated interest period;
等值利率及等值通货膨胀率计算模块22,用于根据所述一年期等效综合利率以及一年期等值通货膨胀率计算等值利率,还用于根据所述等效综合利率以及等值利率计算等值通货膨胀率;The equivalent interest rate and equivalent inflation rate calculation module 22 is configured to calculate an equivalent interest rate according to the one-year equivalent comprehensive interest rate and the one-year equivalent inflation rate, and is further used according to the equivalent comprehensive interest rate and Equivalent interest rate to calculate the equivalent inflation rate;
等值利率复利级数计算模块23,用于根据所述计息期以及所述等值利率计算等值利率复利级数;The equal interest rate compounding series calculation module 23 is configured to calculate an equivalent interest rate compounding level according to the interest period and the equivalent interest rate;
等值通货膨胀率复利级数计算模块24,用于根据所述计息期以及居民消费价格指数计算等值通货膨胀率复利级数,并输出计算得到的等值通货膨胀率复利级数;The equivalent inflation rate compounding series calculation module 24 is configured to calculate an equivalent inflation rate compounding series according to the interest period and the consumer price index, and output the calculated equivalent inflation rate compounding series;
等值综合利率复利级数计算模块25,用于根据所述计息期、等值利率复利级数以及等值通货膨胀率复利级数计算等值综合利率复利级数,并输出计算得到的等值综合利率复利级数;The equivalent comprehensive interest rate compounding series calculation module 25 is configured to calculate an equivalent comprehensive interest rate compounding series according to the interest period, the equivalent interest rate compounding series, and the equivalent inflation rate compounding series, and output the calculated and the like. Value comprehensive interest rate compounding series;
等效综合利率复利级数计算模块26,用于根据所述计息期以及等效综合利率计算等效综合利率复利级数,并输出计算得到的等效综合利率复利级数;The equivalent comprehensive interest rate compounding series calculation module 26 is configured to calculate an equivalent comprehensive interest rate compounding series according to the interest period and the equivalent comprehensive interest rate, and output the calculated equivalent comprehensive interest rate compounding series;
现金串价值计算模块27,用于根据输入值(期初金额)以及所述等效综合利率复利级数计算等额值,还用于根据所述计息期、等额值计算现金串价值,并输出现金串真正本金(期初金额)及其计算得到的现金串真正本金百分比;The cash string value calculation module 27 is configured to calculate an equal value according to the input value (the initial amount) and the equivalent comprehensive interest rate compounding level, and is also used to calculate the cash string value according to the interest period and the equal value, and output the cash. The true principal amount (the initial amount) and the calculated true principal percentage of the cash string;
现金串本金计算模块28,用于根据所述计息期、现金串价值以及等值综合利率复利级数计算现金串本金及其百分比,并输出计算得到的现金串本金及其百分比;The cash string principal calculation module 28 is configured to calculate a cash string principal and a percentage thereof according to the interest period, the cash string value, and the equivalent comprehensive interest rate compounding series, and output the calculated cash string principal and a percentage thereof;
现金串利息计算模块29,用于根据所述计息期、现金串价值、等值综合利率复利级数以及等值通货膨胀率复利级数计算现金串利息及其百分比,并输出计算得到的现金串利息及其百分比;The cash string interest calculation module 29 is configured to calculate the cash string interest and the percentage thereof according to the interest period, the cash string value, the equivalent comprehensive interest rate compounding series, and the equivalent inflation rate compounding series, and output the calculated cash. String interest and its percentage;
现金串贬值计算模块30,用于根据所述现金串价值、现金串本金以及现金串利息计算现金串贬值及其百分比,并输出计算得到的现金串贬值及其百分比;
The cash string value calculation module 30 is configured to calculate a cash string value and a percentage thereof according to the cash string value, the cash string principal amount, and the cash string interest, and output the calculated cash string value and a percentage thereof;
现金串真正利息计算模块31,用于根据所述现金串价值、现金串真正本金以及现金串贬值计算现金串真正利息及其百分比,并输出计算得到的现金串真正利息及其百分比。The cash string real interest calculation module 31 is configured to calculate the real interest of the cash string and the percentage thereof according to the cash string value, the real cash of the cash string and the cash string enthalpy value, and output the calculated real interest of the cash string and the percentage thereof.
现金串金融泡沫计算模块32,用于根据所述现金串真正本金以及现金串本金计算现金串飞金,再将飞金当作本金计算其金融泡沫,并输出计算得到的现金串飞金、金融泡沫及其系数百分数。再根据输出计算得到的现金串飞金泡沫的正负值,采用蓝牙技术控制磁悬浮显示球的音讯和荧光。The cash string financial bubble calculation module 32 is configured to calculate the cash dividend according to the real cash of the cash string and the cash string principal, calculate the financial bubble by using the flying gold as the principal, and output the calculated cash dividend. , financial bubble and its coefficient percentage. According to the output, the positive and negative values of the cash string flying gold bubble are calculated, and the Bluetooth technology is used to control the sound and fluorescence of the magnetic suspension display ball.
以上所述实施例仅用以说明本发明的技术方案,而非对其限制;尽管参照前述实施例对本发明进行了详细的说明,本领域的普通技术人员应当理解:其依然可以对前述各实施例所记载的技术方案进行修改,或者对其中部分技术特征进行等同替换;而这些修改或者替换,并不使相应技术方案的本质脱离本发明实施例技术方案的精神和范围。The embodiments described above are only for explaining the technical solutions of the present invention, and are not intended to be limiting; although the present invention has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art will understand that The technical solutions described in the examples are modified, or the equivalents of the technical features are replaced by the equivalents of the technical solutions of the embodiments of the present invention.
人们的经济活动没有认识到飞金的存在,因此通常把飞金当作本金进行计算,飞金和本金的重要区别是,飞金不计利息也不贬值,而本金是既计利息又贬值,这样就带来了飞金当作本金计算的泡沫,称它为飞金泡沫,飞金泡沫计算公式是:People’s economic activities do not recognize the existence of Feijin. Therefore, Feijin is usually used as the principal. The important difference between Feijin and the principal is that Feijin does not depreciate interest without interest, and the principal is both interest and interest. Depreciation, this brings the bubble calculated by the flying gold as the principal, which is called the flying gold foam. The calculation formula of the flying gold foam is:
在货币通货膨胀条件下,原值现金串具有飞金,在货币通货紧缩条件下,原值现金串具有飞息。飞金负值就是飞息,因此上式也是飞息带来飞息泡沫计算公式。所不同的是飞金Go为正值(飞金),飞金泡沫Jo
*也为正值,飞金Go为负值(飞息),飞息泡沫Jo
*也为负值,飞金泡沫和飞息泡沫统称为金融泡沫,金融泡沫是价值泡沫。金融泡沫是把真正本金当作本金计算带来的结果。Under the condition of currency inflation, the original value cash string has flying gold. Under the condition of currency deflation, the original value cash string has a flying interest. The negative value of the flying gold is to fly, so the above formula is also the formula for calculating the flying bubble. The difference is that the flying gold G o is positive (flying gold), the flying gold foam J o * is also positive, the flying gold G o is negative (flying interest), and the flying foam J o * is also negative. The flying bubble and the flying bubble are collectively referred to as the financial bubble, and the financial bubble is the value bubble. The financial bubble is the result of calculating the true principal as a principal.
金融泡沫具有以下特点:The financial bubble has the following characteristics:
1、真实性:在现金流金融环境中人们总是把飞金当作本金计算,金融泡沫真实性是建立在包含飞金的本金复利计算基础上的,飞金也是复利计算,因此金融泡沫在现金流计算中的价值是存在的,随着飞金复利计算消失,金融泡沫
将随之消失。1. Authenticity: In the cash flow financial environment, people always use Feijin as the principal calculation. The authenticity of the financial bubble is based on the calculation of the principal compound interest including the flying gold. Feijin is also the compound interest calculation, so the financial The value of the bubble in the calculation of cash flow is there, as the calculation of the fly-core compound interest disappears, the financial bubble
Will disappear with it.
2、虚伪性:把飞金当作本金计算,出现了现金串价谱之外虚伪价值(金融泡沫),金融泡沫没有本金、利息及贬值的划分,金融泡沫是二维计息周期空间之外的价值,它没有二维计息周期空间现金串的表现形式;2, hypocrisy: the use of flying gold as the principal calculation, there is a false value outside the cash price spectrum (financial bubble), the financial bubble has no principal, interest and depreciation, the financial bubble is a two-dimensional interest cycle space Outside the value, it does not have the representation of a two-dimensional interest cycle space cash string;
3、隐蔽性:由于飞金隐形传输,也带来了金融泡沫的隐形态,尤其隐形泡沫以等额值泡沫Ao
*形态出现时,更具有隐蔽的性质;3. Concealment: Due to the invisible transmission of Feijin, it also brings the hidden form of financial bubbles. Especially when the invisible foam appears in the form of equal value foam A o * , it has more hidden nature;
4、不公平性:飞金是通货膨胀货币转值,按照资金等值法则计算金融泡沫,出现不公平性;4. Unfairness: Feijin is the inflation currency conversion value, and the financial bubble is calculated according to the capital equivalent law, which is unfair;
5、危害性:金融泡沫具有时间累加和空间叠加效应,时间和空间积累金融泡沫的结果带来了通货膨胀金融危机。5. Harmfulness: The financial bubble has time accumulation and spatial superposition effect. The result of accumulating financial bubbles in time and space brings the inflation financial crisis.
进一步的,为了更好理解本发明,下面对现金串相关问题进行具体的说明:Further, in order to better understand the present invention, the following is a detailed description of the cash string related issues:
(1)现金流价值分布(1) Cash flow value distribution
货币具有随时间增值功能,这是货币单利计算的基础,货币增值具有繁衍功能,这是货币复利计算的基础,在此引出了现值(本金)、增值(利息)和终值的概念,不同时间终值可以现值相等,这就是货币等值的概念。经过一段金融实践,产生了现金流和现金流等值。Currency has the function of increasing value over time, which is the basis of the calculation of currency simple profit. The appreciation of money has the function of reproduction. This is the basis of the calculation of monetary compound interest, which leads to the concept of present value (principal), value added (interest) and final value. The final value at different times can be equal in value. This is the concept of currency equivalence. After a period of financial practice, the cash flow and cash flow equivalents are generated.
现金流名义利率是现金流等值的计算利率,名义利率中实际利率往往是不变的,因为它代表实际购买力,因此可以得出名义利率与通货膨胀率同方向变化,即通货膨胀率变化带来了名义利率的变化。The nominal interest rate of cash flow is the calculated interest rate of the cash flow equivalent. The real interest rate in the nominal interest rate is often constant because it represents the actual purchasing power. Therefore, it can be concluded that the nominal interest rate changes in the same direction as the inflation rate, that is, the change in the inflation rate. A change in nominal interest rates has come.
首先根据一年期居民消费价格指数CPI的相对值计算该年的通货膨胀率f1,再换算计算该年的等值通货膨胀率为:First, calculate the inflation rate f 1 for the year based on the relative value of the one-year consumer price index CPI, and then calculate the equivalent inflation rate for the year:
式中CPI1为一年期居民消费价格指数的预测值,CPI0为上年居民消费价格指数的基准值。通常官方公布居民消费价格指数CPI1是选择上年居民消费价格指数CPI0为基准值100,于是上式变为:
In the formula, CPI 1 is the predicted value of the one-year consumer price index, and CPI 0 is the benchmark value of the consumer price index for the previous year. Usually officially announced that the consumer price index CPI 1 is to select the previous year's consumer price index CPI 0 as the benchmark value of 100, so the above formula becomes:
在金融实践中居民消费价格指数CPI1不用官方公布的发展速度表述,而是多选择增长速度百分数来表述,例如官方公布CPI1=102.5,金融实践中采用CPI1=2.5,并采用以下简化公式:In the financial practice, the consumer price index CPI 1 is not expressed by the officially announced development speed, but is expressed by the percentage of growth rate. For example, the official announcement of CPI 1 = 102.5, the adoption of CPI 1 = 2.5 in financial practice, and the following simplified formula is adopted. :
根据一年期央行基准利率r1计算该年等效综合利率ip1
*,再根据该年等值通货膨胀率f1
△,计算该年等值利率i△,即Calculate the equivalent comprehensive interest rate i p1 * according to the one-year central bank benchmark interest rate r 1 , and then calculate the equivalent interest rate i △ according to the annual equivalent inflation rate f 1 △
ip1
*=r1/mi p1 * =r 1 /m
由于计算期内等效综合利率中等值利率i△是不变的,即计算期内实际利率不变,通货膨胀率与名义利率同方向变化,因此根据计算期对应的央行基准利率r计算等效综合利率ip
*,再根据等值利率i△,计算等值通货膨胀率f△,即Since the equivalent comprehensive interest rate medium interest rate i △ is constant during the calculation period, that is, the real interest rate does not change during the calculation period, and the inflation rate changes in the same direction as the nominal interest rate. Therefore, the equivalent calculation is calculated according to the central bank benchmark interest rate r corresponding to the calculation period. The comprehensive interest rate i p * , and then calculate the equivalent inflation rate f △ according to the equivalent interest rate i △
ip
*=r/mi p * =r/m
现金流按照时间流动的方式有现值、等额值和终值的概念,这是金融界已经沿用几百年的一种被人接受的经济模式,现将现金流按照空间分布的方式提出空间现值(本金)、全值(本金+利息)和末值(利息)的概念,将时间价值流转变为空间价值场观念。Cash flow has the concept of present value, equal value and final value according to the way of time flow. This is an accepted economic model that has been used by the financial community for hundreds of years. Now the cash flow is presented in a spatially distributed manner. The concept of value (principal), full value (principal + interest), and final value (interest) transforms the time value stream into a spatial value field concept.
计算期T是计算时间年数,计息期n是计息周期数,年计息周期数m是每年的计息周期数,因此n=T·m。选定计息周期就确定了唯一的年计息周期数m。现金流分为多周期等额现金流(计息期n为整数)和单周期终值现金流(计息期n=1),在本案例中是仅讨论多周期等额现金流,它的计算是实际利率的复利计算,而单周期终值现金流被看作为计息期为1条件下的等额现金流,它
的计算是名义利率的单利计算,现在金融界定期储蓄就是单周期终值现金流。The calculation period T is the calculation time year, the interest period n is the number of interest periods, and the annual interest period number m is the number of interest periods per year, so n=T·m. The selected interest period determines the unique number of annual interest periods m. The cash flow is divided into multi-cycle equal cash flow (the interest period n is an integer) and the single-cycle final value cash flow (interest period n=1). In this case, only the multi-cycle equal cash flow is discussed. Its calculation is The compound interest rate is calculated on the compound interest rate, and the single-cycle final value cash flow is regarded as the equivalent cash flow under the condition that the interest period is 1.
The calculation is a simple interest calculation of the nominal interest rate, and now the financial industry's regular savings is a single-cycle final value cash flow.
不变元(无通货膨胀货币)现值是时间初始点的价值(不含时间价值),即本金,增值是时间终点的价值与初始点价值的差(仅含时间价值),即利息,定义不变元现金流价值就是现值与增值的和,即时间终点的价值。这是单计息周期现金流的价值分布,对于多计息周期现金流价值分布是现值、等额值和现金流价值。The present value of the invariant element (no inflation currency) is the value of the initial point of time (excluding the time value), that is, the principal, the value added is the difference between the value of the end of time and the value of the initial point (only time value), ie interest, Defining the value of the invariant elementary cash flow is the sum of the present value and the value added, that is, the value of the end of time. This is the value distribution of the single-interest-bearing cash flow. For the multi-interest-bearing period, the cash flow value distribution is the present value, the equal value and the cash flow value.
不变元现金流等额值A贴现初始点(空间原点)价值为现值P,即The invariant elementary cash flow equal value A discount initial point (space origin) value is the present value P, ie
P=A·(1+i)-1+A·(1+i)-2+……+A·(1+i)-n=A·L[i,n]=A·ny
P=A·(1+i) -1 +A·(1+i) -2 +...+A·(1+i) -n =A·L[i,n]=A·n y
式中L空间级数定义为:The L space series in the formula is defined as:
L[i,n]=(1+i)-1+(1+i)-2+……+(1+i)-n=ny
L[i,n]=(1+i) -1 +(1+i) -2 +...+(1+i) -n =n y
假设利率i=0,则L[i,n]=n;假设i=∝则L[i,n]=0。于是上式变换为:Assuming that the interest rate i = 0, then L[i, n] = n; assuming i = ∝ then L[i, n] = 0. Then the above equation is transformed into:
即L[i,n]=L[i=0,ny]+L[i=∝,n-ny]That is, L[i,n]=L[i=0,n y ]+L[i=∝,nn y ]
上式说明计息期为n,利率为i的现金流可以看成为两段现金流组成,一段是计息期为ny,利率为零的现值现金流,另一段是计息期为n-ny,利率为无穷大的增值现金流,这是不变元现金流价值计息过程转换为现金流价值储存过程的变换公式,它为现金流价值分布提供了理论基础。具体地说是:The above formula shows that the cash flow with interest period i is n, and the cash flow with interest rate i can be regarded as two cash flows. One is the cash flow with the interest period of n y and the interest rate is zero, and the other is the interest period nn. y , the interest rate is infinite value-added cash flow, which is the transformation formula of the conversion process of the invariant dollar cash flow value into the cash flow value storage process, which provides a theoretical basis for the cash flow value distribution. Specifically:
(a)现金流由两部分组成,一部分是现值现金流,即本金现金流,另一部分是增值现金流,即利息现金流,现值现金流在前,包括空间原点,增值现金流在后,包括空间末点,它们前后不能互换;(a) The cash flow consists of two parts, one is the present value cash flow, that is, the principal cash flow, and the other is the value-added cash flow, that is, the interest cash flow, the present value cash flow is in the front, including the space origin, and the value-added cash flow is After that, including the end of space, they cannot be interchanged before and after;
(b)现值现金流是集中现值,增值现金流是集中增值,它们不可交叉分布;
(b) Present-value cash flows are concentrated present value, and value-added cash flows are concentrated and value-added, and they cannot be cross-distributed;
(c)现值现金流现值集中于空间原点,增值现金流增值可集中于空间末点。(c) Present value of present value cash flow is concentrated at the spatial origin, and value added cash flow appreciation can be concentrated at the end of space.
(d)现金流价值J是现值与增值的和,表现为计息期n与等额值A的乘积。(d) The cash flow value J is the sum of the present value and the added value, expressed as the product of the interest period n and the equal value A.
如图8所示,在现金流利率和通货膨胀率(居民物价消费指数)恒定不变的条件下,计算期内任何时点、任何大小的实际元都有唯一的等额现金流与之对应,因此现金流通常是等额现金流。现金流价值划分为三部分,第一部分是初始现值(本金P),第二部分是时间增值(利息S*),第三部分是时间贬值(贬值B*),可以证明:现金流先有现值才有增值,有了现值和增值才有贬值。As shown in Figure 8, under the condition that the cash flow interest rate and the inflation rate (residential price consumption index) are constant, the actual yuan of any size at any point in the calculation period has a unique equivalent cash flow corresponding to it. Therefore, cash flow is usually an equal amount of cash flow. The value of cash flow is divided into three parts. The first part is the initial present value (principal P), the second part is time increment (interest S * ), and the third part is time depreciation (depreciation B * ), which can prove: cash flow first Only the present value will have value added, and the present value and value added will depreciate.
应该指出,图9所示现金流价值分布是采用了人们熟悉的沿计息期方向区分的实际元价值分布,它与沿等额值方向区分的实际元价值分布是一致的。It should be noted that the cash flow value distribution shown in Figure 9 is based on the familiar actual meta-value distribution that is distinguished along the direction of the interest-bearing period, which is consistent with the actual meta-value distribution that is differentiated along the equal-value direction.
(2)二维计息周期空间现金串(2) Two-dimensional interest cycle space cash string
本发明实施例提供的二维计息周期空间的实际元,即通货膨胀货币价值分布,该分布过程详述如下:The actual element of the two-dimensional interest cycle space provided by the embodiment of the present invention, that is, the inflation currency value distribution, is detailed as follows:
现金流价值J*是计息期n与等额值A*的乘积,从而说明现金流价值J*可用现金流模型面积来表述,它将动态模拟现金流的价值与其模型物理空间面积联系起来。从现金流到现金流模型是一种从时间价值流动到空间价值分布的转换。The cash flow value J * is the product of the interest period n and the equal value A * , indicating that the cash flow value J * can be expressed by the cash flow model area, which relates the value of the dynamic simulated cash flow to its model physical space area. From cash flow to cash flow model is a shift from time value flow to spatial value distribution.
货币增值及贬值功能是货币随时间增值和贬值。如何表现货币增值及贬值功能,现是通过现金流向现金流模型的转变(见图9),采用时间标杆进行时间价值和时间贬值的计算,除此之外,发现货币增值功能表现形式不是唯一的,除了时间标杆n之外,还存在一种价值标杆,这就是等额值A*。采用价值标杆进行增值和贬值等值计算,用不同标杆计算现值相等,创建了二维计息周期空间模型,即Currency appreciation and depreciation are the appreciation and depreciation of currency over time. How to express the value-added and depreciation function of the currency is now through the cash flow to the cash flow model (see Figure 9), using the time benchmark for the calculation of time value and time depreciation. In addition, it is found that the currency appreciation function is not unique. In addition to the time benchmark n, there is also a value benchmark, which is the equal value A * . The value benchmark is used to calculate the value-added and devaluation equivalents, and the present value is calculated by using different benchmarks to create a two-dimensional interest cycle space model.
式中r=i+f+i·fWhere r=i+f+i·f
通过模型不同标杆利率,对于时间标杆名义利率为r,对于价值标杆名义利率为ra,将计息期n和等额值A*的二维现金流模型改建为计息周期数n和计息周期数A*的二维计息周期空间,它是人的视觉不可见的虚拟空间,也是现金流直觉感受存在的现实空间,由一种经济学经济造型改建为物理学物理模型(见图9)。Through the different benchmark interest rates of the model, the nominal interest rate for the time benchmark is r, and the nominal interest rate for the value benchmark is r a , and the two-dimensional cash flow model of the interest period n and the equal value A * is converted into the number of interest periods n and the interest period. The two-dimensional interest cycle space of number A * is a virtual space invisible to human vision, and it is also a realistic space in which cash flow intuition feels. It is transformed from an economic economic model to a physical model of physics (see Figure 9). .
应该指出,二维计息周期空间面积与物理空间面积不同之处在于,前者面积单位不是计息周期的平方,而是具有均值的计息周期,即具有均值A的计息周期n,或具有均值n的计息周期A,二维计息周期空间面积单位的双重性就带来了现金流价值用二维计息周期空间面积计算的约束问题。It should be noted that the spatial area of the two-dimensional interest cycle differs from the physical space area in that the former area unit is not the square of the interest period, but the interest period with the mean, that is, the interest period n with the mean A, or The duty cycle A of the mean n and the duality of the spatial area unit of the two-dimensional interest cycle bring about the constraint problem of the cash flow value calculated by the two-dimensional interest period space area.
可见现金流等值,即在恒定利率条件下不同时点不同资金价值在计算期内任意时点价值相等,元素现值P、增值S*、贬值B*和价值J*就演变为二维计息周期空间等值元素。应该指出,现金流价值J*可用二维计息周期空间面积来表述,但它的等值元素用面积表述时,存在计息期n不变,或等额值A*不变的条件,因此将现金流价值J*改用二维计息周期空间对角线W△路径来表述,该路径具有价值强度,即单位计息周期的现金流价值V*,即It can be seen that the cash flow is equivalent, that is, under different constant interest rate conditions, the value of different funds at different points in time is equal at any point in the calculation period, and the present value of the element P, the value added S * , the devaluation B * and the value J * evolve into a two-dimensional meter. The periodic space equivalent element. It should be pointed out that the cash flow value J * can be expressed by the two-dimensional interest period space area, but when the equivalent element is expressed by the area, there is a condition that the interest period n is constant or the equal value A * is unchanged, so The cash flow value J * is represented by a two-dimensional interest cycle space diagonal W △ path, which has a value strength, that is, a cash flow value V * of a unit interest period, that is,
由于等值路径现值段具有原点,增值段具有分界点,贬值段具有末点,于是认定在现金流平面对角线上的等值路径原点可积聚空间现值Po(Po=P),在分界点可积聚时间价值S*,由于时间价值产生贬值,在末点可积聚时间贬值B*。Since the present value segment of the equivalence path has an origin, the value-added segment has a demarcation point, and the depreciation segment has an end point, so that the origin value of the equivalent path origin on the diagonal of the cash flow plane can be accumulated P o (P o = P) At the demarcation point, the time value S * can be accumulated, and due to the devaluation of the time value, the time 贬 B * can be accumulated at the end point.
在利率变化的条件下,按照货币增值和贬值计算规则首先将变化实际利率演变为恒定等值利率iΔ,将变化通货膨胀率演变为恒定等值通货膨胀率fΔ,即Under the condition of interest rate change, according to the currency appreciation and depreciation calculation rules, the change real interest rate is first evolved into a constant equivalence interest rate i Δ , and the change inflation rate is evolved into a constant equivalent inflation rate f Δ , ie
其中是k(k=1,2,……,n)时间点平均实际利率,是k(k=1,2,……,n)时间点平均通货膨胀率。among them Is the average real interest rate at time point k (k = 1, 2, ..., n), Is the average inflation rate at time point k (k = 1, 2, ..., n).
因为等值利率及等值通货膨胀率是各时间点利率相同的恒定利率,因此用等值利率及等值通货膨胀率按照名义利率r公式引申计算等效综合利率ip
*为:Since the equivalent interest rate and the equivalent inflation rate are constant interest rates with the same interest rate at each time point, the equivalent comprehensive interest rate i p * is calculated by the equivalent interest rate and the equivalent inflation rate according to the nominal interest rate r formula:
ip
*=iΔ+fΔ+iΔ·fΔ
i p * =i Δ +f Δ +i Δ ·f Δ
按照恒定等效综合利率ip
*计算有效价值,即空间原值Y为:Calculate the effective value according to the constant equivalent comprehensive interest rate i p * , that is, the spatial original value Y is:
Y=A*·(1+ip
*)-1+A*·(1+i
p
*)-2+……+A*·(1+ip
*)-n=A*·L[ip
*,n]=A*·ny
*
Y=A * ·(1+i p * ) -1 +A * ·(1+ i p * ) -2 +...+A * ·(1+i p * ) -n =A * ·L[i p * ,n]=A * ·n y *
上式是按照恒定等效综合利率ip
*计算空间原值Y的复转利计算公式。The above formula is a compound transfer calculation formula for calculating the spatial original value Y according to the constant equivalent comprehensive interest rate i p * .
如图8所示,在二维计息周期空间中观察等效综合利率ip
*计算的有效价值与无效价值,即空间原值与增贬值,存在垂直交界线ny
*和水平交界线Ay
*,它们相交于对角线上等效交界点Wy
*,因此已知ny
*就求出Ay
*为:As shown in Fig. 8, the effective value and the invalid value of the equivalent comprehensive interest rate i p * are observed in the two-dimensional interest period space, that is, the spatial original value and the added value, and there is a vertical boundary line n y * and a horizontal boundary line A. y * , they intersect at the equivalent boundary point W y * on the diagonal, so we know that n y * is to find A y * as:
由于等效路径的前段具有原点,后段具有末点,于是认定在等效路径原点可积聚空间原值Y,在末点可积聚增贬值X*,增贬值X*是时效价值Sx
*与时间贬值B*的和。Since the front part of the equivalent path has the origin and the back part has the end point, it is determined that the original value Y can be accumulated at the origin of the equivalent path, and the increased value X * can be accumulated at the end point, and the added value X * is the aging value S x * and The time depreciation is the sum of B * .
由于利息具有贬值,但贬值没有利息,除上述等效空间结构之外,将实际元等值利率iΔ与等值通货膨胀率fΔ按照先增值后贬值的等值空间结构(见图9)合成为等值综合利率ip
Δ,得到有效价值,即空间现值Po(Po=P)为:Since the interest has a depreciation, but the depreciation has no interest, in addition to the above equivalent space structure, the actual meta-equal rate i Δ and the equivalent inflation rate f Δ are in accordance with the equivalent space structure of the first value-added 贬 value (see Figure 9). The composition is the equivalent comprehensive interest rate i p Δ , and the effective value is obtained, that is, the spatial present value P o (P o = P) is:
即L[i
p
Δ,n]·n=L[iΔ,n]·L[fΔ,n] (ny
Δ=L[ip
Δ,n])That is, L[ i p Δ , n]·n=L[i Δ ,n]·L[f Δ ,n] (n y Δ =L[i p Δ ,n])
式中实际元等额值A*与不变元等额值A的关系式为:The relationship between the actual element equal value A * and the constant element equal value A is:
上式是按照等值综合利率ip
△计算空间现值Po的复利计算公式。The above formula is a compound interest calculation formula for calculating the spatial present value P o according to the equivalent comprehensive interest rate i p △ .
如图8所示,在二维计息周期空间用等值综合利率ip
Δ计算空间现值Po、时间价值S*和时间贬值B*,存在垂直交界线ny
Δ和水平交界线Ay
Δ,它们相交于对角线上等值交界点Wy
Δ,因此已知ny
△就求出Ay
△为:As shown in Fig. 8, the spatial present value P o , the time value S * and the time threshold B * are calculated by the equivalent comprehensive interest rate i p Δ in the two-dimensional interest period space, and there is a vertical boundary line n y Δ and a horizontal boundary line A. y Δ , they intersect at the equidistant boundary point W y Δ on the diagonal, so we know that n y △ is to find A y △ as:
二维计息周期空间模型对角线W△,即现值维n与增值维A*的对角线是一种路径,由此可以制作一种容纳货币价值的人造物,称它为现金串,现金串特征是它有长度W△,长度单位是计息周期,长度计算是复利级数计算,也有价值强度V*,它的价值为J*=W△·V*,是一种容纳现金流价值的金融工具。The diagonal W △ of the two-dimensional interest cycle model, that is, the diagonal of the present value dimension n and the value-added dimension A * is a path, thereby making an artifact containing the value of money, which is called a cash string. The cash string characteristic is that it has a length W △ , the length unit is the interest period, the length calculation is the compound interest series calculation, and also has the value intensity V * , and its value is J * = W △ · V * , which is a kind of cash accommodation. The financial instrument of streaming value.
在现金串中先后排序有空间原点、有效价值与货币增值的交界点、货币增值与货币贬值的分界点和空间末点,在这些节点上可以聚集不同性质的价值。这就是说现金串是用分段线段有序容纳有效价值、货币增值和货币贬值。以上所述现金流用面积容纳现金流价值的(a)、(b)、(c)、(d)的4个特点,同样适用于现金串用路径容纳现金串价值,现金串价值就是现金流价值。In the cash string, there are successively sorted the spatial origin, the boundary between the effective value and the currency appreciation, the demarcation point of the currency appreciation and the currency depreciation, and the end point of the space, on which values of different nature can be gathered. This means that the cash string is used to order the effective value, currency appreciation and currency depreciation in a segmented line segment. The four characteristics of (a), (b), (c), and (d) of the cash flow area used to accommodate the cash flow value are also applicable to the cash string path to accommodate the cash string value, and the cash string value is the cash flow value. .
在二维计息周期空间中,现金串W△是可以根据路径关系计算的计息周期数,它也和等额值计息周期数A*一样可以应用计息周期数W△计算自身的利率ip w
△,即In the two-dimensional interest period space, the cash string W △ is the number of interest periods that can be calculated according to the path relationship. It can also calculate the interest rate i by applying the number of interest periods W △ as the number of interest period cycles A * . Pw △ , ie
在前投资项目资金总价值是用现金流价值来表达的,现金流价值中本金多少,增贬值多少?只有通过专业人士计算才能解答,客户最为关心的是如何将增贬值中真实利息和贬值分开,需要付出的真实利息是多少?现在将现金流改变为现金串,投资项目资金总价值是用现金串价值来表达的,现金串价值中真正本金多少,真正利息多少,贬值多少是通过二维计息周期空间现金串的原点、
交界点、分界点以及末点相对位置来表达的,客户易于观察和接受,用现金串替代现金流是一种科学技术的进步。The total value of the funds in the former investment project is expressed by the value of the cash flow. What is the principal amount of the cash flow value, and what is the value of the increase? Only through the calculation of professionals can the answer, the customer is most concerned about how to separate the real interest and the depreciation in the added value, what is the real interest rate? Now change the cash flow to a cash string. The total value of the investment project funds is expressed by the value of the cash string. The actual principal amount of the cash string value, the actual interest amount, and the depreciation is the origin of the two-dimensional interest period space cash string. ,
The intersection of the junction point, the demarcation point and the relative position of the end point is easy for the customer to observe and accept. It is an advancement in science and technology to replace the cash flow with a cash string.
(3)现金串利率价谱(3) Cash string interest rate price spectrum
自然界白光可以分解为七色光,按照频率不同排列形成光谱。现金串价值也可以分解为本金、利息和贬值,按照利率极值不同排列形成价值序谱,称它为现金串利率价谱,简称现金串价谱。Natural white light can be decomposed into seven-color light, and the spectrum is formed according to the frequency. The value of the cash string can also be decomposed into the principal, interest and depreciation. The value sequence is formed according to the extreme value of the interest rate, which is called the cash string price spectrum, which is called the cash price spectrum.
在货币通货膨胀条件下,实际元现金流等额值A*贴现初始点现值P为:Under the condition of currency inflation, the actual dollar cash flow equal value A * discount initial point present value P is:
P=A*·(1+r)-1+A*·(1+r)-2+……+A*·(1+r)-n=A*·L[r,n]P=A * ·(1+r) -1 +A * ·(1+r) -2 +...+A * ·(1+r) -n =A * ·L[r,n]
式中名义利率r是不变实际利率i和不变通货膨胀率f合成的不变利率。The nominal interest rate r is the constant interest rate synthesized by the constant real interest rate i and the constant inflation rate f.
由此可见,在无通货膨胀条件下的不变元现金流的价值分布,也可应用于在有通货膨胀条件下的实际元现金流的价值分布,具有相同的价值分布的(a)、(b)、(c)、(d)的4个特点,所不同的是增值现金流变换为增贬值现金流,增贬值是增值与贬值的和,即It can be seen that the value distribution of the invariant meta-cash flow under the condition of no inflation can also be applied to the value distribution of the actual meta-cash flow under inflation conditions, with the same value distribution (a), ( The four characteristics of b), (c), and (d) are different in that the value-added cash flow is transformed into an increased value cash flow, and the added value is the sum of the value added and the depreciation, that is,
式中ny
r=L[r,n] (r=i+f+i·f)Where n y r =L[r,n] (r=i+f+i·f)
如图8所示,在二维计息周期空间模型中,由于现金串原点0、交界点Wy、分界点和末点Wr分段比例,等于现金流流始点0、交界点ny、分界点和终点n分段比例,现金流时间流程计息期n相当于现金串空间路径计息期Wr,现金流时间流程计息周期利率r相当于现金串空间路径计息周期利率rw,它们具有如下等式:As shown in Fig. 8, in the two-dimensional interest cycle space model, due to the cash string origin 0, the junction point W y , the demarcation point And the final point W r is proportional to the cash flow starting point 0, the junction point n y , the demarcation point And the end point n segmentation ratio, the cash flow time process interest period n is equivalent to the cash string space path interest period W r , the cash flow time process interest cycle interest rate r is equivalent to the cash string space path interest cycle interest rate r w , they Has the following equation:
因此,以上现金流价值的分析可以完全应用于现金串价值分析。Therefore, the analysis of the above cash flow value can be fully applied to the cash string value analysis.
如图8所示,在实际利率以及通货膨胀率不变的条件下,现金流分段容纳
本金、利息和贬值,对于按照名义利率r的复利计算,具有比例式:As shown in Figure 8, cash flow segmentation is accommodated under the conditions of real interest rate and inflation rate.
The principal, interest and depreciation are proportional to the compound interest calculated according to the nominal interest rate r:
该比例式是名义现金串价谱比例式,根据现金流等值也得到以上相同的比例式,因此,名义现金串价谱比例式就是现金流价谱比例式。The proportional formula is a proportional cash-price spectrum proportional formula, and the same proportional formula is obtained according to the cash flow equivalent value. Therefore, the nominal cash string price spectrum proportional formula is the cash flow price spectrum proportional formula.
如图9所示,根据名义现金串价谱比例式,现金串是由本金现金串、利息现金串和贬值现金串组成,从现金串原点0开始,本金现金串是第一现金串0~ny
r,其特征r=0为实际利率i=0,通货膨胀率f=0;利息现金串是第二现金串其特征i=∝表示实际利率i=∝,通货膨胀率f=0;贬值现金串是第三现金串其特征f=∝表示实际利率i=0,通货膨胀率f=∝;直到现金串末点n。它们是不能颠倒排列的。由此得到了由实际利率及通货膨胀率为零或无穷大决定的名义现金串利率价谱,也是现金流利率价谱,它们不同之处是前者长度为Wr,价值强度是V*,后者时间计息期为n,等额值为A*。As shown in Figure 9, according to the nominal cash price spectrum proportional formula, the cash string is composed of the principal cash string, the interest cash string and the depreciation cash string. Starting from the cash string origin 0, the principal cash string is the first cash string 0~ n y r , its characteristic r=0 is the actual interest rate i=0, the inflation rate f=0; the interest cash string is the second cash string Its characteristic i=∝ indicates the actual interest rate i=∝, the inflation rate f=0; the depreciation cash string is the third cash string Its characteristic f = ∝ indicates the actual interest rate i = 0, the inflation rate f = ∝; until the end of the cash string n. They cannot be arranged upside down. Thus, the nominal cash string interest rate price spectrum, which is determined by the actual interest rate and the inflation rate of zero or infinity, is also the cash flow rate price spectrum. The difference is that the former is W r and the value intensity is V * , the latter. The time period of interest is n, and the equal value is A * .
在人们投资活动中,是通过实际利率i和通货膨胀率f来计算现金流等额值A*,即现金流价值J*=n·A*,从本质上分析,这仅仅是利率、通货膨胀率为零或无穷大决定的现金串利率价谱的综合表现形式,现金串价值J*等于现值P、时间价值S*与贬值B*的和,它就像人们见到的白光是不同频率七色光的综合表现形式一样。In people's investment activities, the cash flow equivalent A * , ie the cash flow value J * =n·A * , is calculated by the real interest rate i and the inflation rate f. In essence, this is only the interest rate and the inflation rate. The comprehensive expression of the cash string rate price spectrum determined by zero or infinity, the cash string value J * is equal to the sum of the present value P, the time value S * and the 贬 value B * , it is like the white light that people see is different frequency seven-color light The overall performance is the same.
现金串利率价谱就直接显示了现金串本金、利息和贬值的比例关系。The cash string interest rate price spectrum directly shows the proportional relationship between the cash string principal, interest and depreciation.
如图9所示,在实际利率及通货膨胀率变化的条件下,现金串分段容纳本金、利息和贬值,对于按照等值综合利率ip
△的复利计算,具有比例式:As shown in Figure 9, under the condition of changes in real interest rate and inflation rate, the cash string segmentation accommodates principal, interest and depreciation, and has a proportional formula for compound interest calculation according to the equivalent comprehensive interest rate i p △ :
式中现金串等值交界点ny
△为:
In the formula, the cash string equivalent junction point n y △ is:
ny
Δ=L[ip
Δ,n]=L[iΔ,n]·L[fΔ,n]/nn y Δ =L[i p Δ ,n]=L[i Δ ,n]·L[f Δ ,n]/n
在实际利率及通货膨胀率变化条件下,等值综合利率ip
△计算空间现值Po,等于不变实际利率及通货膨胀率条件下名义利率r计算现值P,因此ny
△=ny
r,它们的交界点相同,由于S△=S*,分界点也相同,它们的比例式是相同的。比例式直接反映了现金流中本金、利息和贬值的比例,称该比例式也为现值现金串价谱比例式,因此现值现金串利率价谱就是名义现金串利率价谱,也是现金流利率价谱,但是它们的前提条件不同。Under the condition of real interest rate and inflation rate, the equivalent comprehensive interest rate i p △ calculates the spatial present value P o , which is equal to the constant interest rate and the inflation rate. The nominal interest rate r calculates the present value P, so n y △ =n y r , their junction point is the same, since S △ =S * , the demarcation point is also the same, their proportion is the same. The proportional formula directly reflects the ratio of the principal, interest and depreciation in the cash flow. It is also said that the proportional formula is also the ratio of the present value of the cash price spectrum. Therefore, the present value of the cash string interest rate is the nominal cash dividend rate and the cash. Flow rate price spectrum, but their preconditions are different.
如图9所示,现金流基本参数是现金流计息期、实际利率及通货膨胀率,现在应用现值现金串利率价谱直接显示现金流本金、利息和贬值比例关系。As shown in Figure 9, the basic parameters of cash flow are cash flow interest period, real interest rate and inflation rate. Now, the present value cash dividend rate price spectrum directly shows the relationship between cash flow principal, interest and depreciation ratio.
如图10所示,在实际利率及通货膨胀率变化条件下,现金串分段容纳真正本金、真正利息和贬值,对于按照等效综合利率ip
*的复转利计算,具有比例式:As shown in Figure 10, under the conditions of real interest rate and inflation rate, the cash string segment accommodates the real principal, real interest and depreciation, and has a proportional formula for the retransmission of the equivalent comprehensive interest rate i p * :
式中现金串等效交界点ny
*为:Where the cash string equivalent junction point n y * is:
ny
*=L[ip
*,n] (ip
*=iΔ+fΔ+iΔ·fΔ)n y * =L[i p * ,n] (i p * =i Δ +f Δ +i Δ ·f Δ )
在实际利率及通货膨胀率变化条件下,等值综合利率ip
△计算空间现值Po,不等于等效综合利率ip
*计算空间原值Y,因此ny
△≠ny
*,它们的交界点不同,变化实际利率及通货膨胀率条件下等效综合利率ip
*计算的比例式,反映了现金串中真正本金、真正利息和贬值的比例,称该比例式为原值现金串价谱比例式。Under the condition of real interest rate and inflation rate, the equivalent comprehensive interest rate i p △ calculates the spatial present value P o , which is not equal to the equivalent comprehensive interest rate i p * calculates the spatial original value Y, so n y △ ≠n y * , they The difference between the actual interest rate and the inflation rate under the condition of changing the equivalent comprehensive interest rate i p * reflects the ratio of real principal, real interest and depreciation in the cash string, which is called the original value of cash. The price spectrum is proportional.
式中原值现金串、现值现金串和名义现金串具有相同长度,即W*=W△=W。The original value cash string, the present value cash string and the nominal cash string have the same length, that is, W * = W Δ = W.
根据现值现金串以及原值现金串的价谱比例式,它们的原点、交界点、分界点和末点的分段比例仅与计息期、实际利率及通货膨胀率有关,而与真正本金或本金的大小无关,因此现金串价谱比例式是现金串价谱的基础公式,公式成立的条件是等额值A*≠0和计息期n≠0,其中任何一个条件不满足,现金串价谱比例式不成立。或是说在A*=0的条件下,现金串就演变为时间维,尽管现
金串价谱比例式是用时间维参数描述,但它不是时间价谱比例式,也不是现金流价谱比例式。According to the current value cash string and the valence ratio of the original value cash string, the proportion of their origin, junction, demarcation point and end point is only related to the interest period, the actual interest rate and the inflation rate, and the true The size of the gold or the principal is irrelevant, so the proportion of the cash price spectrum is the basic formula of the cash price spectrum. The formula is established by the equal value A * ≠0 and the interest period n≠0, and any one of the conditions is not satisfied. The proportion of the cash price spectrum does not hold. Or, under the condition of A * =0, the cash string evolves into a time dimension. Although the cash string spectrum proportional is described by the time dimension parameter, it is not a time-price spectrum proportional nor a cash flow rate spectrum ratio. formula.
在不会混淆的条件下,现金串价谱比例式是用时间维参数描述,空间现金串长度是计息期n,现金串价值强度是等额值A*。Under the condition that it will not be confused, the cash price spectrum proportional formula is described by the time dimension parameter, the space cash string length is the interest period n, and the cash string value strength is the equal value A * .
原值现金串价谱与现值现金串价谱的主要区别是飞金的出现。The main difference between the original value of the cash price spectrum and the present value of the cash price spectrum is the emergence of Feijin.
由于飞金不会影响现金串价值的大小,也不会影响本利,即本金与利息的和的大小,因此飞金是不同于本金、利息的第三经济要素。飞金在原值现金串价谱中是无法显示的,它产生效果是原值现金串价谱中有部分真正本金,即飞金的实际利率i=0,改变为实际利率i=∝,它带来了飞金穿越等效交界点变成利息,此时等效交界点消失,出现了等值交界点,这种飞金穿越现象是二维计息周期空间无法解释的经济现象。Since Feijin does not affect the value of the cash string, it will not affect the profit, that is, the sum of the principal and interest. Therefore, Feijin is the third economic factor different from the principal and interest. Feijin cannot be displayed in the original value of the cash price spectrum. The effect is that there is some real principal in the original value of the cash price spectrum, that is, the actual interest rate of the flying gold i=0, and the actual interest rate i=∝, It brings the flying gold through the equivalent junction point into interest. At this time, the equivalent junction point disappears and the equivalent boundary point appears. This phenomenon of flying gold crossing is an economic phenomenon that cannot be explained by the two-dimensional interest period space.
(4)飞金隐形传输(4) Flying gold stealth transmission
在物理量子力学中有态叠加原理,最有名的是量子力学创始人薛定谔设想的“薛定谔的猫”的实验,他阐述了既死又活的叠加态猫。在二维计息周期空间中也同样存在既死又活的叠加态现金串,死态现金串是实际利率和通货膨胀率不发生变化的名义现金串,不存在飞金;活态现金串是实际利率和通货膨胀率发生变化的原值现金串,存在飞金。In the physics of quantum mechanics, there is a superposition principle. The most famous one is the experiment of "Schrodinger's Cat" envisioned by the founder of quantum mechanics, Schrödinger. He elaborates on the superimposed and dead cats. In the two-dimensional interest cycle space, there are also dead and live superimposed cash strings. The dead cash string is a nominal cash string where the real interest rate and inflation rate do not change. There is no flying cash; the live cash string is The original value cash string of the actual interest rate and inflation rate changes, there is flying gold.
现金串存在态叠加,由于实际利率和通货膨胀率变化带来现金串单体态叠加。在人们没有观察之前,现金串存在两种状态,一种是名义现金串状态(不变实际利率及不变通货膨胀率),另一种是原值现金串状态(变化实际利率及变化通货膨胀率),由于它们的区别不是存在的不同(现金串长度相同,价值强度相同,等值利率(实际利率)大小相同,等值通货膨胀率(通货膨胀率)大小相同,计息路径也相同),而是状态的不同(现金串价谱存在飞金的不同),在人们没有观察之前,它们是无法确定的,是一种单体态叠加,当人们观察到通货膨胀率变化时(央行基准利率与计算期有关),现金串叠加态坍缩为唯一状态,原两种不确定状态就变成为唯一确定的原值现金串状态,原值现金串价
谱中存在飞金就被确定下来。The cash string exists in a superposition, and the cash string is superimposed due to changes in real interest rates and inflation rates. Before people observe it, the cash string has two states, one is the nominal cash string status (unchanged real interest rate and constant inflation rate), and the other is the original value cash string status (changing the actual interest rate and changing inflation) Rate), because their differences are not the same (the cash string length is the same, the value strength is the same, the equivalent interest rate (real interest rate) is the same size, the equivalent inflation rate (inflation rate) is the same size, and the interest-bearing path is the same) , but the state is different (the difference between the cash price spectrum and the flying gold). Before people can observe it, they are undetermined. It is a single state superposition. When people observe the change of inflation rate (the central bank benchmark interest rate) Related to the calculation period), the cash string superposition state collapses to a unique state, and the original two uncertain states become the only determined original value cash string state, the original value of the cash string price
The presence of flying gold in the spectrum is determined.
名义现金串与原值现金串是现金串单体叠加态,并且最后坍缩为原值现金串,名义现金串与原值现金串的区别是,前者实际利率不变和通货膨胀率不变,后者实际利率变化和通货膨胀率变化,它们是计息的过程不同反映了状态的不同,是一种现金串单体叠加。现值现金串与原值现金串的区别是,前者计息路径与贬值路径分开计算,后者计息路径与贬值路径合并计算,它们是计息的路径不同带来了二维计息周期现值维改变为原值维,增值维改变为效值维,它们反映了实体的不同,是一种现金串多体叠加。The nominal cash string and the original value cash string are the superimposed state of the cash string, and finally collapsed to the original value cash string. The difference between the nominal cash string and the original value cash string is that the former has the same real interest rate and the inflation rate remains unchanged. The changes in real interest rates and changes in inflation rates, which are different in the process of interest-bearing, reflect the difference in state, and are a superposition of cash strings. The difference between the present value cash string and the original value cash string is that the former interest-bearing path and the devaluation path are calculated separately, and the latter interest-bearing path and the devaluation path are combined and calculated, and they are different in the interest-bearing path, which brings a two-dimensional interest period. The value dimension changes to the original value dimension, and the value-added dimension changes to the effect value dimension. They reflect the difference of the entity and are a kind of cash string multi-body superposition.
飞金是一种隐形传输的价值。这和人们理解飞金从时间起点到终点需要传输的观念是不符合的,原因是人们理解飞金在没有观察之前就是确定的。实际上飞金在没有观察之前是不确定的,飞金是现金串多体叠加态纠缠的结果。Flying gold is the value of a stealth transmission. This is inconsistent with people's understanding that Feijin needs to transmit from the beginning to the end of the time, because people understand that Feijin is certain before it is observed. In fact, Feijin is uncertain before it is observed. Feijin is the result of the entanglement of the cash string multi-body superposition.
(5)金融泡沫计算(5) Financial bubble calculation
飞金泡沫是把飞金当作本金计算飞金的收益,收益是利息与贬值的和,即The Feijin bubble is the income of the flying gold calculated by using the flying gold as the principal. The income is the sum of the interest and the depreciation, that is,
其中Jo
*是飞金泡沫,Go是飞金,S△(S△=S*)是利息,B*是贬值,Po是本金,A*是等额值,n表示计息期,LΔ表示等值综合利率复利级数,L*表示等效综合利率复利级数。Where J o * is a flying gold foam, G o is a flying gold, S △ (S △ = S * ) is interest, B * is a depreciation, P o is a principal, A * is an equal value, and n is a term of interest, L Δ represents the equivalent comprehensive interest rate compounding series, and L * represents the equivalent comprehensive interest rate compounding series.
负值的飞金为飞息,飞金泡沫计算式也是飞息泡沫计算式,因此也称它为金融泡沫计算式。The negative value of flying gold is the interest rate, and the flying gold bubble calculation formula is also the calculation formula of the flying interest bubble, so it is also called the financial bubble calculation formula.
在现金串价谱图中用计息期泡沫no来表述金融泡沫的公式是:The formula for expressing the financial bubble in the cash price spectrum with the interest period bubble n o is:
在现金串价谱图中用等额值泡沫Ao
*来表述金融泡沫的公式是:The formula for expressing a financial bubble using the equal value bubble A o * in the cash price spectrum is:
以上两种表述金融泡沫的公式是理论公式,在实际经济活动中,计息期泡沫no是不存在的,也就是说计息期n是不会改变的,只有等额值可以改变,因
此在人们经济活动中用等额值泡沫Ao
*来表述金融泡沫。The above two formulas for expressing the financial bubble are theoretical formulas. In actual economic activities, the interest period bubble n o does not exist, that is to say, the interest period n does not change, only the equal value can be changed, so The economic bubble uses the equal value bubble A o * to express the financial bubble.
金融泡沫系数ω公式:Financial bubble coefficient ω formula:
金融泡沫系数ω是价值泡沫Jo
*与现金串价值J*的比,它是现金串具有金融泡沫的特征值。The financial bubble coefficient ω is the ratio of the value bubble J o * to the cash string value J * , which is the characteristic value of the cash string with the financial bubble.
产生金融泡沫的实质是货币增转值计算中转值用货币增值计算方法计算。货币增转值计算公式是复转利计算公式,货币增值计算公式是复利计算公式。两种公式对计算利率要求不同,复转利计算公式中利率是等效综合利率ip
*,复利计算公式中利率是等值综合利率ip
△或名义利率r。The essence of the financial bubble is that the calculation of the value of the currency increase is calculated by the method of currency appreciation. The calculation formula of the currency increase value is a compound transfer calculation formula, and the currency value increase calculation formula is a compound interest calculation formula. The two formulas have different requirements for calculating interest rates. The interest rate in the formula for calculating the compound interest is the equivalent comprehensive interest rate i p * , and the interest rate in the compound interest calculation formula is the equivalent comprehensive interest rate i p △ or the nominal interest rate r.
在现阶段现金流金融环境中,基准利率是采用名义利率(实际利率不变和通货膨胀率不变),实际上基准利率是等效综合利率ip
*(实际利率相同和通货膨胀率相同),因此采用基准利率计算是复转利计算,不存在金融泡沫的问题,但是将基准利率作为名义利率进行复利计算,就会产生金融泡沫,现阶段金融现金流计算存在金融泡沫。In the current cash flow financial environment, the benchmark interest rate is based on the nominal interest rate (the actual interest rate is constant and the inflation rate is constant). In fact, the benchmark interest rate is the equivalent comprehensive interest rate i p * (the real interest rate is the same as the inflation rate) Therefore, the calculation of the benchmark interest rate is a re-transfer calculation. There is no financial bubble. However, if the benchmark interest rate is used as the nominal interest rate for compound interest calculation, a financial bubble will occur. At present, there is a financial bubble in the calculation of financial cash flow.
归纳以上分析,本金只能用复利计算公式计算,真正本金只能用复转利计算公式计算,飞金是真正本金与本金的差值计算,否则就会产生金融泡沫。In summary of the above analysis, the principal can only be calculated using the compound interest calculation formula. The real principal can only be calculated by the compound transfer calculation formula. The fly gold is the difference between the real principal and the principal, otherwise a financial bubble will be generated.
应该指出,价值泡沫Jo
*、计息期泡沫no、等额值泡沫Ao
*是虚假价值的不同描述方式,价值泡沫没有价值,计息期泡沫没有计息期,等额值泡沫没有等额值,因此它们都没有本金、利息、贬值的划分,它们统称为金融泡沫。正值金融泡沫是飞金泡沫,负值金融泡沫是飞息泡沫。It should be pointed out that the value bubble J o * , the interest period bubble n o , the equal value bubble A o * are different descriptions of the false value, the value bubble has no value, the interest period bubble has no interest period, and the equal value bubble has no equal value. Therefore, they have no division of principal, interest, and depreciation. They are collectively referred to as financial bubbles. Just as the financial bubble is a flying gold bubble, the negative financial bubble is a flying bubble.
如图3所示,在货币通货膨胀的条件下,交界点有不等式ny
*>ny
△,这时飞金加大了本金,成为加大本金,按照复利计算产生了飞金泡沫,位于现金串末点之上。As shown in Figure 3, under the condition of monetary inflation, there is an inequality n y * >n y △ at the junction point. At this time, Feijin increased the principal and became the principal, and the fly gold bubble was produced according to compound interest. , above the end of the cash string.
如图4所示,在货币通货紧缩的条件下,交界点有不等式ny
*<ny
△,这时飞息加大了利息,成为加大利息,按照复利计算产生了飞息泡沫,位于现金串原点之上。
As shown in Figure 4, under the condition of currency deflation, there is an inequality n y * <n y △ at the junction point. At this time, the interest rate increases interest, and the interest is increased. According to the compound interest calculation, a flying bubble is generated. The cash string is above the origin.
Claims (7)
- 一种金融泡沫光电数码磁悬浮显示球,其特征在于,Financial foam photoelectric digital magnetic levitation display ball, characterized in that显示球体,所述显示球为光电数码LED屏球,球内设置钕铁硼磁体、扬声器;所述钕铁硼磁体设置在所述显示球体的下端,并带光电信息、音讯信息接收装置;Displaying a sphere, the display sphere is a photoelectric digital LED screen ball, a neodymium iron boron magnet and a speaker are disposed in the ball; the neodymium iron boron magnet is disposed at a lower end of the display sphere, and has photoelectric information and an audio information receiving device;底座,设置在所述底座上设有光电数码板,所述光电数码板为LED屏;所述底座内设有PCB电路板,集成所有磁悬浮***的电子元器件,所述底座内还装置有控制电机;a base, disposed on the base is provided with an optoelectronic digital board, the photoelectric digital board is an LED screen; the base is provided with a PCB circuit board, integrated with electronic components of all magnetic suspension systems, and the base is also equipped with control Motor控制模块,设置在所述底座内;a control module disposed in the base;电源,、与所述控制模块、所述磁极线圈以及控制电机电连接,且设置在所述底座内;a power source, electrically connected to the control module, the magnetic pole coil, and the control motor, and disposed in the base;输入键盘,与所述控制模块电连接,且设置在所述底座侧面;Input keyboard, electrically connected to the control module, and disposed on a side of the base;所述底座磁极线圈通过所述电源获得电能生成磁极,所述磁极线圈产生的磁极与所述显示球磁体的磁极相同。The base pole coil obtains electric energy generating magnetic poles through the power source, and the magnetic pole coil generates magnetic poles identical to magnetic poles of the display ball magnet.
- 如权利要求1所述的金融泡沫光电数码磁悬浮显示球,其特征在于,所述LED显示球屏显示金融泡沫信息,所述扬声器设有蓝牙装置,所述扬声器通过蓝牙连接并发出音讯。The financial foam photoelectric digital magnetic levitation display ball according to claim 1, wherein said LED display screen displays financial bubble information, said speaker is provided with a Bluetooth device, and said speaker is connected via Bluetooth and emits audio.
- 如权利要求1所述的金融泡沫光电数码磁悬浮显示球,其特征在于,底座为圆锥形底座,所述光电数码板为圆环型光电数码LED屏,所述圆环型光电数码LED屏显示现金串本金、加大本金、真正利息以及贬值信息。The financial foam photoelectric digital magnetic levitation display ball according to claim 1, wherein the base is a conical base, the photoelectric digital panel is a circular-type photoelectric digital LED screen, and the circular-shaped photoelectric digital LED screen displays cash. String of principal, increased principal, real interest and depreciation information.
- 如权利要求1所述的融泡沫光电数码磁悬浮显示球,其特征在于,所述底座内设有旋转电机,所述旋转电机与所述光电数码板连接,所述控制模块与所述旋转电机连接并控制所述光电数码板旋转。The fused foam photoelectric digital magnetic levitation display ball according to claim 1, wherein: ???said base is provided with a rotating electric machine, said rotating electric machine is connected with said photoelectric digital board, and said control module is connected with said rotating electric machine And controlling the rotation of the photoelectric digital board.
- 如权利要求1所述的融泡沫光电数码磁悬浮显示球,其特征在于,所述底座侧面设有显示灯按钮和数字键盘,通过所述数字键盘输入信息,在所述光电数码板上显示输入信息。 The fused foam photoelectric digital magnetic levitation display ball according to claim 1, wherein a side of the base is provided with a display light button and a numeric keypad, and information is input through the numeric keypad to display input information on the photoelectric digital board. .
- 一种金融泡沫计算的方法,其特征在于,所述方法包括:A method of financial bubble calculation, characterized in that the method comprises:获取计算期、年计息周期数、一年期央行基准利率、计算期对应的央行基准利率以及一年期居民消费价格指数,计算计息期、一年期等效综合利率、等效综合利率以及一年期等值通货膨胀率,并输出计算期、央行基准利率以及计算得到的计息期;Obtain the calculation period, the annual interest-bearing period, the one-year central bank benchmark interest rate, the central bank benchmark interest rate corresponding to the calculation period, and the one-year consumer price index, calculate the interest period, the one-year equivalent comprehensive interest rate, and the equivalent comprehensive interest rate. And a one-year equivalent inflation rate, and output the calculation period, the central bank benchmark interest rate, and the calculated interest period;根据所述一年期等效综合利率以及一年期等值通货膨胀率计算等值利率;Calculate the equivalent interest rate based on the one-year equivalent comprehensive interest rate and the one-year equivalent inflation rate;根据所述等效综合利率以及等值利率计算等值通货膨胀率;Calculating an equivalent inflation rate based on the equivalent comprehensive interest rate and the equivalent interest rate;根据所述计息期以及所述等值利率计算等值利率复利级数;Calculating an equivalent interest rate compounding level according to the interest period and the equivalent interest rate;根据所述计息期以及等值通货膨胀率计算等值通货膨胀率复利级数,并输出计算得到的等值通货膨胀率复利级数;Calculating an equivalent inflation rate compounding series according to the interest period and the equivalent inflation rate, and outputting the calculated equivalent inflation rate compounding series;根据所述计息期、等值利率复利级数以及等值通货膨胀率复利级数计算等值综合利率复利级数,并输出计算得到的等值综合利率复利级数;Calculating the equivalent comprehensive interest rate compounding series according to the interest period, the equivalent interest rate compounding series and the equivalent inflation rate compounding series, and outputting the calculated equivalent comprehensive interest rate compounding series;根据所述计息期以及等效综合利率计算等效综合利率复利级数,并输出计算得到的等效综合利率复利级数;Calculating the equivalent comprehensive interest rate compounding series according to the interest period and the equivalent comprehensive interest rate, and outputting the calculated equivalent comprehensive interest rate compounding series;根据输入值以及所述等效综合利率复利级数计算等额值,根据所述计息期、等额值计算现金串价值,并输出现金串真正本金及其计算得到的现金串价值;Calculating the equal value according to the input value and the equivalent comprehensive interest rate compounding series, calculating the cash string value according to the interest period and the equal value, and outputting the real cash of the cash string and the calculated cash string value;根据所述计息期、现金串价值以及等值综合利率复利级数计算现金串本金,并输出计算得到的现金串本金;Calculating the cash string principal according to the interest period, the cash string value and the equivalent comprehensive interest rate compounding series, and outputting the calculated cash string principal;根据所述计息期、现金串价值、等值综合利率复利级数以及等值通货膨胀率复利级数计算现金串利息,并输出计算得到的现金串利息;Calculating the cash string interest according to the interest period, the cash string value, the equivalent comprehensive interest rate compounding series, and the equivalent inflation rate compounding series, and outputting the calculated cash string interest;根据所述现金串价值、现金串本金以及现金串利息计算现金串贬值,并输出计算得到的现金串贬值;Calculating a cash string value based on the cash string value, the cash string principal, and the cash string interest, and outputting the calculated cash string value;根据所述现金串价值、现金串真正本金以及现金串贬值计算现金串真正利息,并输出计算得到的现金串真正利息;Calculating the real interest of the cash string based on the value of the cash string, the real principal of the cash string, and the cash dividend value, and outputting the calculated real interest of the cash string;根据所述现金串真正本金以及现金串本金计算现金串飞金,再将飞金当作本金计算金融泡沫,并输出计算得到的现金串飞金、金融泡沫及其系数百分数。 Calculate the cash flow of the cash based on the real principal of the cash string and the cash dividend, and then use the flying gold as the principal to calculate the financial bubble, and output the calculated cash dividend, financial bubble and its coefficient percentage.
- 如权利要求1所述的方法,其特征在于,把飞金当作本金进行计算;飞金和本金的重要区别是,飞金不计利息也不贬值,而本金是既计利息又贬值,这样就带来了飞金当作本金计算产生的利息与贬值,它们的和就是金融泡沫,金融泡沫及其金融泡沫系数百分数计算公式是:The method according to claim 1, wherein the flying gold is calculated as the principal; the important difference between the flying gold and the principal is that the flying gold does not depreciate without interest, and the principal is both interest and depreciation. This brings the interest and depreciation generated by Feijin as the principal calculation. The sum of them is the financial bubble. The formula for calculating the financial bubble and its financial bubble coefficient is:其中Jo *是价值泡沫,ω%表示金融泡沫系数百分数,Go是飞金,S△(S△=S*)是利息,B*是贬值,Po是本金,A*是等额值,n表示计息期,LΔ表示等值综合利率复利级数,L*表示等效综合利率复利级数。 Where J o * is the value bubble, ω% is the percentage of the financial bubble coefficient, G o is the flying gold, S △ (S △ =S * ) is the interest, B * is the devaluation, P o is the principal, and A * is the equal value , n represents the interest period, L Δ represents the equivalent comprehensive interest rate compounding series, and L * represents the equivalent comprehensive interest rate compounding series.
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