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177、Excel函数之财务函数三--本金和利息相关的函数2(PV函数)

  • 2026-07-17 18:02:06
177、Excel函数之财务函数三--本金和利息相关的函数2(PV函数)
在利率rate、总期数nper、每期付款额pmt、终值fv、支付时间类型type确定的情况下，可以使用PV函数求出现值。
语法结构为：
PV(rate,nper,pmt,[fv],[type])
示例
一、根据期望的终值计算存款现值
     当前银行1年期定期存款利率为0.95%，且假设利率不变，每年都将本息和进行续存，如果想在30年后银行存款达到100万，那么现在应该一次性存入多少钱？
计算及结果如下图所示：
存款属于资金流出，所以计算的结果为负值。
二、一次存款固定取款
      老李现在有一笔钱想存入银行，银行目前1年期定期存款利率为0.95%，希望在30年内每年从银行取款10万元，直到全部存款取完，他现在需要存入多少钱？
计算及结果如下图所示：
最后存款要全部取完，所以终值为0.
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  1. CONNECT:[ UseTime:0.000452s ] mysql:host=127.0.0.1;port=3306;dbname=h_sjds;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000760s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.002230s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000264s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000693s ]
  6. SELECT * FROM `set` [ RunTime:0.000252s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000524s ]
  8. SELECT * FROM `article` WHERE `id` = 538688 LIMIT 1 [ RunTime:0.004183s ]
  9. UPDATE `article` SET `lasttime` = 1784991596 WHERE `id` = 538688 [ RunTime:0.003052s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 65 LIMIT 1 [ RunTime:0.000338s ]
  11. SELECT * FROM `article` WHERE `id` < 538688 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.002354s ]
  12. SELECT * FROM `article` WHERE `id` > 538688 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.002017s ]
  13. SELECT * FROM `article` WHERE `id` < 538688 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.002939s ]
  14. SELECT * FROM `article` WHERE `id` < 538688 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.008260s ]
  15. SELECT * FROM `article` WHERE `id` < 538688 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.000832s ]
0.104243s