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183、Excel函数之财务函数四--名义利率与实际利率函数(NOMINAL函数和EFFECT函数)

  • 2026-07-22 02:09:14
183、Excel函数之财务函数四--名义利率与实际利率函数(NOMINAL函数和EFFECT函数)
      在经济分析时，复利计算通常是以年为计息周期的。但实际中，计息周期还有半年、季度、月、周、日等多种。当利率的时间单位与计息周期不一致时，就出现了名义利率和实际利率的问题。
      在Excel中使用NOMINAL函数和EFFECT函数来计算名义利率和实际利率。
语法结构为：

NOMINAL(effect_rate, npery)

EFFECT(nominal_rate, npery)

参数中effect_rate/nominal_rate为实际利率和名义利率；npery为每年的复利期数。

名义利率与实际利率的数学关系为：
示例：
根据给出的名义利率和实际利率，计算各计息周期下的实际利率和名义利率。如下图所示：
C4单元格公式为“=BYROW(B4:B9,LAMBDA(x,NOMINAL(B1,x)))”。
H4单元格公式为“=BYROW(G4:G9,LAMBDA(x,EFFECT(G1,x)))”。
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  1. CONNECT:[ UseTime:0.000369s ] mysql:host=127.0.0.1;port=3306;dbname=h_sjds;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000519s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000284s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000264s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000535s ]
  6. SELECT * FROM `set` [ RunTime:0.000198s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000518s ]
  8. SELECT * FROM `article` WHERE `id` = 541034 LIMIT 1 [ RunTime:0.000322s ]
  9. UPDATE `article` SET `lasttime` = 1784717281 WHERE `id` = 541034 [ RunTime:0.028014s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 65 LIMIT 1 [ RunTime:0.000314s ]
  11. SELECT * FROM `article` WHERE `id` < 541034 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000457s ]
  12. SELECT * FROM `article` WHERE `id` > 541034 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.008837s ]
  13. SELECT * FROM `article` WHERE `id` < 541034 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.001690s ]
  14. SELECT * FROM `article` WHERE `id` < 541034 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.021135s ]
  15. SELECT * FROM `article` WHERE `id` < 541034 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.000844s ]
0.136380s