Python

Question

我需要能够以与 EXCEL 函数相同的方式计算年利率速度然而我无法在任何地方找到其背后的数学原理。

我最好用 ruby​​ 或 python 来实现它。

Answer 1

您可以在 Ruby 中使用 Exonio 库：

https://github.com/Noverde/exonio

像这样：

Exonio.rate(number_of_periods, payment_per_period, present_value)

Answer 2

Python

numpy.rate()计算每期的利率。

rate(nper, pmt, pv, fv[, when, guess, tol, ...])    

Answer 3

这是一个非常简单的例子虚拟专用网络：

Function MyRATE(nper As Integer, pmt As Double, pv As Double, Optional fv As Double = 0, _
                              Optional PaymentEnd As Integer = 0, Optional guess As Double = 0.1)
    Dim a As Double, b As Double, c As Double ' coefficients of the equation
    Dim R As Double, RTmp As Double, i As Integer

    ' Initialize coefficients and R
    R = 1 + guess
    a = (pmt * (1 - PaymentEnd) - pv) / (pv + pmt * PaymentEnd)
    b = (fv - pmt * PaymentEnd) / (pv + pmt * PaymentEnd)
    c = (-pmt * (1 - PaymentEnd) - fv) / (pv + pmt * PaymentEnd)

    ' Iterate
    For i = 1 To 20
        RTmp = R - (R ^ (nper + 1) + a * R ^ nper + b * R + c) / ((nper + 1) * R ^ nper + a * nper * R ^ (nper - 1) + b)
        If Abs(RTmp - R) < 0.0000001 Then Exit For
        R = RTmp
    Next i

    If i <= 20 Then
        MyRATE = RTmp - 1
    Else
        MyRATE = "N/A" ' Must try another guess
    End If
End Function

使用该函数（在工作表单元格中）：

请注意第三个参数的减号和乘以 12。