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Review of technical economy and Enterprise Management Chapter 4

2022-06-12 03:24:00 【Huang Jiajun】

The meaning of time value of capital

The same amount of money expended or earned at different times , They are unequal in value , The value of money will change over time . in other words , The time value of capital is the different actual value of the same capital at different time points .

Add ：

The time value of capital refers to the time when the capital is put into production or circulation , The appreciation of capital over time , Or the difference in the value of equal funds at different time points .

The interest rate ：
Under the control of interest rate changes , There are two contradictory forces .
For a single person ：
Under the role of producer, interest rate is ： The profits from the surplus funds are limited
Interest rates are reflected in the role of consumers ： Generate the attraction of delaying consumption and saving
ps： That doesn't really take into account ： The influence of interest rates of different roles in a transaction . In a transaction , It is divided into consumers and sellers , The former wants to postpone consumption , Savings ; The latter wants to encourage consumption , Postpone savings . Everyone in the market does have the role of consumer and producer . But it doesn't have to be a seller . So what contradictory forces determine the interest rate ？ Personally, I think it is the latter ！

I： interest
P： The principal
F： Bentley and
i： The interest rate = I/P
n： Number of interest accrual periods

The practice of cash flow chart

For the sake of calculation , Graph the relationship between cash flow and time , This is the cash flow chart .
Be careful ：
1、 Generally, from the perspective of investors ： Investment is negative , The return is positive
2、（ Of investment income ） Company
3、 Description of the beginning and end of the period