财务管理系数表、年金现值、终值、复利现值、终值

附表一 复利终值系数表

期数1234567891011121314151617181920212223242526272829304050601%1.01001.02011.03031.04061.05101.06151.07211.08291.09371.10461.11571.12681.13811.14951.16101.17261.18431.19611.20811.22021.23241.24471.25721.26971.28241.29531.30821.32131.33451.34781.48891.64461.81672%1.02001.04041.06121.08241.10411.12621.14871.17171.19511.21901.24341.26821.29361.31951.34591.37281.40021.42821.45681.48591.51571.54601.57691.60841.64061.67341.70691.74101.77581.81142.20802.69163.28103%1.03001.06091.09271.12551.15931.19411.22991.26681.30481.34391.38421.42581.46851.51261.55801.60471.65281.70241.75351.80611.86031.91611.97362.03282.09382.15662.22132.28792.35662.42733.26204.38395.89164%1.04001.08161.12491.16991.21671.26531.31591.36861.42331.48021.53951.60101.66511.73171.80091.87301.94792.02582.10682.19112.27882.36992.46472.56332.66582.77252.88342.99873.11873.24344.80107.106710.5205%1.05001.10251.15761.21551.27631.34011.40711.47751.55131.62891.71031.79591.88561.97992.07892.18292.29202.40662.52702.65332.78602.92533.07153.22513.38643.55573.73353.92014.11614.32197.040011.46718.6796%1.06001.12361.19101.26251.33821.41851.50361.59381.68951.79081.89832.01222.13292.26092.39662.54042.69282.85433.02563.20713.39963.60353.81974.04894.29194.54944.82235.11175.41845.743510.28618.42032.9887%1.07001.14491.22501.31081.40261.50071.60581.71821.83851.96722.10492.25222.40982.57852.75902.95223.15883.37993.61653.86974.14064.43044.74055.07245.42745.80746.21396.64887.11437.612314.97529.45757.9468%1.08001.16641.25971.36051.46931.58691.71381.85091.99902.15892.33162.51822.71962.93723.17223.42593.70003.99604.31574.66105.03385.43655.87156.34126.84857.39647.98818.62719.317310.06321.72546.902101.269%1.09001.18811.29501.41161.53861.67711.82801.99262.17192.36742.58042.81273.06583.34173.64253.97034.32764.71715.14175.60446.10886.65867.25797.91118.62319.399210.24511.16712.17213.26831.40974.358176.0310%1.10001.21001.33101.46411.61051.77161.94872.14362.35792.59372.85313.13843.45233.79754.17724.59505.05455.55996.11596.72757.40028.14038.95439.849710.83511.91813.11014.42115.86317.44945.259117.39304.48 nn1i1i计算公式：复利终值系数=，S=P

P—现值或初始值；i—报酬率或利率；n—计息期数；S—终值或本利和

附表一 复利终值系数表 续表

期数12345678910111213141516171819202122232425262728293040506012%1.12001.25441.40491.57351.76231.97382.21072.47602.77313.10583.47853.89604.36354.88715.47366.13046.86607.69008.61289.646310.80412.10013.55215.17917.00019.04021.32523.88426.75029.96093.051289.00897.6014%1.14001.29961.48151.68901.92542.19502.50232.85263.25193.70724.22624.81795.49246.26137.13798.13729.276510.57512.05613.74415.66817.86120.36223.21226.46230.16734.39039.20544.69350.950188.88700.232595.915%1.15001.32251.52091.74902.01142.31312.66003.05903.51794.04564.65245.35036.15287.07578.13719.357610.76112.37614.23216.36718.82221.64524.89228.62532.91937.85743.53550.06657.57666.212267.861083.74384.016%1.16001.34561.56091.81062.10032.43642.82623.27843.80304.41145.11735.93606.88587.98759.265510.74812.46814.46316.77719.46122.57526.18630.37635.23640.87447.41455.00063.80074.00985.850378.721670.77370.218%1.18001.39241.64301.93882.28782.69963.18553.75894.43555.23386.17597.28768.599410.14711.97414.12916.67219.67323.21427.39332.32438.14245.00853.10962.66973.94987.260102.97121.50143.37750.383927.42055520%1.20001.44001.72802.07362.48832.98603.58324.29985.15986.19177.43018.916110.69912.83915.40718.48822.18626.62331.94838.33846.00555.20666.24779.49795.396114.48137.37164.84197.81237.381469.89100.45634824%1.24001.53761.90662.36422.93163.63524.50775.58956.93108.594410.65713.21516.38620.31925.19631.24338.74148.03959.56873.86491.592113.57140.83174.63216.54268.51332.96412.86511.95634.825455.946890*28%1.28001.63842.09722.68443.43604.39805.62957.20589.223411.80615.11219.34324.75931.69140.56551.92366.46185.071108.89139.38178.41228.36292.30374.14478.90613.00784.641004.31285.61645.519427**32%1.32001.74242.30003.03604.00755.28996.98269.217012.16716.06021.19927.98336.93748.75764.35984.954112.14148.02195.39257.92340.45449.39593.20783.021033.61364.31800.92377.23137.94142.166521**36%1.36001.84962.51553.42104.65266.32758.605411.70315.91721.64729.43940.03854.45174.053100.71136.97186.28253.34344.54468.57637.26866.671178.71603.02180.12964.94032.35483.97458.110143*** 注：*〉99 999

nn1i1i计算公式：复利终值系数=，S=P

P—现值或初始值

i—报酬率或利率

n—计息期数

S—终值或本利和

附表二

复利现值系数表

期数12345678910111213141516171819202122232425262728293035404550551%0.99010.98030.97060.96100.95150.94200.93270.92350.91430.90530.89630.88740.87870.87000.86130.85280.84440.83600.82770.81950.81140.80340.79540.78760.77980.77200.76440.75680.74930.74190.70590.67170.63910.60800.57852%0.98040.96120.94230.92380.90570.88800.87060.85350.83680.82030.80430.78850.77300.75790.74300.72840.71420.70020.68640.67300.65980.64680.63420.62170.60950.59760.58590.57440.56310.55210.50000.45290.41020.37150.33653%0.97090.94260.91510.88850.86260.83750.81310.78940.76640.74410.72240.70140.68100.66110.64190.62320.60500.58740.57030.55370.53750.52190.50670.49190.47760.46370.45020.43710.42430.41200.35540.30660.26440.22810.19684%0.96150.92460.88900.85480.82190.79030.75990.73070.70260.67560.64960.62460.60060.57750.55530.53390.51340.49360.47460.45640.43880.42200.40570.39010.37510.36070.34680.33350.32070.30830.25340.20830.17120.14070.11575%0.95240.90700.86380.82270.78350.74620.71070.67680.64460.61390.58470.55680.53030.50510.48100.45810.43630.41550.39570.37690.35890.34180.32560.31010.29530.28120.26780.25510.24290.23140.18130.14200.11130.08720.06836%0.94340.89000.83960.79210.74730.70500.66510.62740.59190.55840.52680.49700.46880.44230.41730.39360.37140.35030.33050.31180.29420.27750.26180.24700.23300.21980.20740.19560.18460.17410.13010.09720.07270.05430.04067%0.93460.87340.81630.76290.71300.66630.62270.58200.54390.50830.47510.44400.41500.38780.36240.33870.31660.29590.27650.25840.24150.22570.21090.19710.18420.17220.16090.15040.14060.13140.09370.06680.04760.03390.02428%0.92590.85730.79380.73500.68060.63020.58350.54030.50020.46320.42890.39710.36770.34050.31520.29190.27030.25020.23170.21450.19870.18390.17030.15770.14600.13520.12520.11590.10730.09940.06760.04600.03130.02130.01459%0.91740.84170.77220.70840.64990.59630.54700.50190.46040.42240.38750.35550.32620.29920.27450.25190.23110.21200.19450.17840.16370.15020.13780.12640.11600.10640.09760.08950.08220.07540.04900.03180.02070.01340.008710%0.90910.82640.75130.68300.62090.56450.51320.46650.42410.38550.35050.31860.28970.26330.23940.21760.19780.17990.16350.14860.13510.12280.11170.10150.09230.08390.07630.06930.06300.05730.03560.02210.01370.00850.0053 注：

S-n-nn1i1i1i计算公式：复利现值系数=，P==S

P—现值或初始值；i—报酬率或利率；n—计息期数；S—终值或本利和

附表二 复利现值系数表 续表

期数123456789101112131415161718192021222324252627282930354045505512%0.89290.79720.71180.63550.56740.50660.45230.40390.36060.32200.28750.25670.22920.20460.18270.16310.14560.13000.11610.10370.09260.08260.07380.06590.05880.05250.04690.04190.03740.03340.01890.01070.00610.00350.002014%0.87720.76950.67500.59210.51940.45560.39960.35060.30750.26970.23660.20760.18210.15970.14010.12290.10780.09460.08290.07280.06380.05600.04910.04310.03780.03310.02910.02550.02240.01960.01020.00530.00270.00140.000715%0.86960.75610.65750.57180.49720.43230.37590.32690.28430.24720.21490.18690.16250.14130.12290.10690.09290.08080.07030.06110.05310.04620.04020.03490.03040.02640.02300.02000.01740.01510.00750.00370.00190.00090.000516%0.86210.74320.64070.55230.47610.41040.35380.30500.26300.22670.19540.16850.14520.12520.10790.09300.08020.06910.05960.05140.04430.03820.03290.02840.02450.02110.01820.01570.01350.01160.00550.00260.00130.00060.000318%0.84750.71820.60860.51580.43710.37040.31390.26600.22550.19110.16190.13720.11630.09850.08350.07080.06000.05080.04310.03650.03090.02620.02220.01880.01600.01350.01150.00970.00820.00700.00300.00130.00060.00030.000120%0.83330.69440.57870.48230.40190.33490.27910.23260.19380.16150.13460.11220.09350.07790.06490.05410.04510.03760.03130.02610.02170.01810.01510.01260.01050.00870.00730.00610.00510.00420.00170.00070.00030.0001*24%0.80650.65040.52450.42300.34110.27510.22180.17890.14430.11640.09380.07570.06100.04920.03970.03200.02580.02080.01680.01350.01090.00880.00710.00570.00460.00370.00300.00240.00200.00160.00050.00020.0001**28%0.78130.61040.47680.37250.29100.22740.17760.13880.10840.08470.06620.05170.04040.03160.02470.01930.01500.01180.00920.00720.00560.00440.00340.00270.00210.00160.00130.00100.00080.00060.00020.0001***32%0.75760.57390.43480.32940.24950.18900.14320.10850.08220.06230.04720.03570.02710.02050.01550.01180.00890.00680.00510.00390.00290.00220.00170.00130.00100.00070.00060.00040.00030.00020.0001****36%0.73530.54070.39750.29230.21490.15800.11620.08540.06280.04620.03400.02500.01840.01350.00990.00730.00540.00390.00290.00210.00160.00120.00080.00060.00050.00030.00020.00020.00010.0001***** 注：*<0.0001

S-n-nn1i1i1i计算公式：复利现值系数=，P==S

P—现值或初始值；i—报酬率或利率；n—计息期数；S—终值或本利和

附表三 年金终值系数表

期数1234567891011121314151617181920212223242526272829304050601%1.00002.01003.03014.06045.10106.15207.21358.28579.368510.46211.56712.68313.80914.94716.09717.25818.43019.61520.81122.01923.23924.47225.71626.97428.24329.52630.82132.12933.45034.78548.88664.46381.6702%1.00002.02003.06044.12165.20406.30817.43438.58309.754610.95012.16913.41214.68015.97417.29318.63920.01221.41222.84124.29725.78327.29928.84530.42232.03033.67135.34437.05138.79240.56860.40284.579114.053%1.00002.03003.09094.18365.30916.46847.66258.892310.15911.46412.80814.19215.61817.08618.59920.15721.76223.41425.11726.87028.67730.53732.45334.42736.45938.55340.71042.93145.21947.57575.401112.80163.054%1.00002.04003.12164.24655.41636.63307.89839.214210.58312.00613.48615.02616.62718.29220.02421.82523.69825.64527.67129.77831.96934.24836.61839.08341.64644.31247.08449.96852.96656.08595.026152.67237.995%1.00002.05003.15254.31015.52566.80198.14209.549111.02712.57814.20715.91717.71319.59921.57923.65825.84028.13230.53933.06635.71938.50541.43144.50247.72751.11454.66958.40362.32366.439120.80209.35353.586%1.00002.06003.18364.37465.63716.97538.39389.897511.49113.18114.97216.87018.88221.01523.27625.67328.21330.90633.76036.78639.99343.39246.99650.81654.86559.15663.70668.52873.64079.058154.76290.34533.137%1.00002.07003.21494.43995.75077.15338.654010.26011.97813.81615.78417.88920.14122.55125.12927.88830.84033.99937.37940.99644.86549.00653.43658.17763.24968.67774.48480.69887.34794.461199.64406.53813.528%1.00002.08003.24644.50615.86667.33598.922810.63712.48814.48716.64618.97721.49524.21527.15230.32433.75037.45041.44645.76250.42355.45760.89366.76573.10679.95487.35195.339103.97113.28259.06573.771253.29%1.00002.09003.27814.57315.98477.52339.200411.02913.02115.19317.56020.14122.95326.01929.36133.00336.97441.30146.01951.16056.76562.87369.53276.79084.70193.324102.72112.97124.14136.31337.88815.081944.810%1.00002.10003.31004.64106.10517.71569.487211.43613.58015.93718.53121.38424.52327.97531.77335.95040.54545.59951.15957.27564.00371.40379.54388.49798.347109.18121.10134.21148.63164.49442.591163.93034.8

注：

1in1计算公式：年金终值系数=

i1in1，S=A

i

A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；S—年金终值或本利和

附表三 年金终值系数表 续表

期数12345678910111213141516171819202122232425262728293040506012%1.00002.12003.37444.77936.35288.115210.08912.30014.77617.54920.65524.13328.02932.39337.28042.75348.88455.75063.44072.05281.69992.503104.60118.16133.33150.33169.37190.70214.58241.33767.092400.07471.614%1.00002.14003.43964.92116.61018.535510.73113.23316.08519.33723.04527.27132.08937.58143.84250.98059.11868.39478.96991.025104.77120.44138.30158.66181.87208.33238.50272.89312.09356.791342.04994.51853515%1.00002.15003.47254.99346.74248.753711.06713.72716.78620.30424.34929.00234.35240.50547.58055.71865.07575.83688.212102.44118.81137.63159.28184.17212.79245.71283.57327.10377.17434.751779.17217.72922016%1.00002.16003.50565.06656.87718.977511.41414.24017.51921.32225.73330.85036.78643.67251.66060.92571.67384.14198.603115.38134.84157.42183.60213.98249.21290.09337.50392.50456.30530.312360.8104364605818%1.00002.18003.57245.21547.15429.442012.14215.32719.08623.52128.75534.93142.21950.81860.96572.93987.068103.74123.41146.63174.02206.34244.49289.49342.60405.27479.22566.48669.45790.954163.22181311419020%1.00002.20003.64005.36807.44169.929912.91616.49920.79925.95932.15039.58148.49759.19672.03587.442105.93128.12154.74186.69225.03271.03326.24392.48471.98567.38681.85819.22984.071181.97343.94549728173324%1.00002.24003.77765.68428.048410.98014.61519.12324.71331.64340.23850.89564.11080.496100.82126.01157.25195.99244.03303.60377.46469.06582.63723.46898.091114.61383.11716.12129.02640.922729195373*28%1.00002.28003.91846.01568.699912.13616.53422.16329.36938.59350.39965.51084.853109.61141.30181.87233.79300.25385.32494.21633.59812.001040.41332.71706.82185.72798.73583.34587.75873.269377819103*32%1.00002.32004.06246.36249.398313.40618.69625.67834.89547.06263.12284.320112.30149.24198.00262.36347.31459.45607.47802.861060.81401.21850.62443.83226.84260.45624.87425.79802.912941207874**36%1.00002.36004.20966.725110.14614.79921.12629.73241.43557.35278.998108.44148.48202.93276.98377.69514.66700.94954.281298.81767.42404.73271.34450.06053.08233.111198152302071428172609890** 注：*>999 999.99

1in1计算公式：年金终值系数=

i1in1，S=A

i

A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；S—年金终值或本利

和

附表四 年金现值系数表

期数12345678910111213141516171819202122232425262728293035404550551%0.99011.97042.94103.90204.85345.79556.72827.65178.56609.471310.367611.255112.133713.003713.865114.717915.562316.398317.226018.045618.857019.660420.455821.243422.023222.795223.559624.316425.065825.807729.408632.834736.094539.196142.14722%0.98041.94162.88393.80774.71355.60146.47207.32558.16228.98269.786810.575311.348412.106212.849313.577714.291914.992015.678516.351417.011217.658018.292218.913919.523520.121020.706921.281321.844422.396524.998627.355529.490231.423633.17483%0.97091.91352.82863.71714.57975.41726.23037.01977.78618.53029.25269.954010.635011.296111.937912.561113.166113.753514.323814.877515.415015.936916.443616.935517.413117.876818.327018.764119.188519.600421.487223.114824.518725.729826.77444%0.96151.88612.77513.62994.45185.24216.00216.73277.43538.11098.76059.38519.985610.563111.118411.652312.165712.659313.133913.590314.029214.451114.856815.247015.622115.982816.329616.663116.983717.292018.664619.792820.720021.482222.10865%0.95241.85942.72323.54604.32955.07575.78646.46327.10787.72178.30648.86339.39369.898610.379710.837811.274111.689612.085312.462212.821213.163013.488613.798614.093914.375214.643014.898115.141115.372516.374217.159117.774118.255918.63356%0.94341.83342.67303.46514.21244.91735.58246.20986.80177.36017.88698.38388.85279.29509.712210.105910.477310.827611.158111.469911.764112.041612.303412.550412.783413.003213.210513.406213.590713.764814.498215.046315.455815.761915.99057%0.93461.80802.62433.38724.10024.76655.38935.97136.51527.02367.49877.94278.35778.74559.10799.44669.763210.059110.335610.594010.835511.061211.272211.469311.653611.825811.986712.137112.277712.409012.947713.331713.605513.800713.93998%0.92591.78332.57713.31213.99274.62295.20645.74666.24696.71017.13907.53617.90388.24428.55958.85149.12169.37199.60369.818110.016810.200710.371110.528810.674810.810010.935211.051111.158411.257811.654611.924612.108412.233512.31869%0.91741.75912.53133.23973.88974.48595.03305.53485.99526.41776.80527.16077.48697.78628.06078.31268.54368.75568.95019.12859.29229.44249.58029.70669.82269.929010.026610.116110.198310.273710.566810.757410.881210.961711.014010%0.90911.73552.48693.16993.79084.35534.86845.33495.75906.14466.49516.81377.10347.36677.60617.82378.02168.20148.36498.51368.64878.77158.88328.98479.07709.16099.23729.30669.36969.42699.64429.77919.86289.91489.9471 注：

11ii计算公式：年金现值系数=

- n11ii，P=A

- n

A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；P—年金现值或本利和

附表四 年金现值系数表 续表

期数123456789101112131415161718192021222324252627282930354045505512%0.89291.69012.40183.03733.60484.11144.56384.96765.32825.65025.93776.19446.42356.62826.81096.97407.11967.24977.36587.46947.56207.64467.71847.78437.84317.89577.94267.98448.02188.05528.17558.24388.28258.30458.317014%0.87721.64672.32162.91373.43313.88874.28834.63894.94645.21615.45275.66035.84246.00216.14226.26516.37296.46746.55046.62316.68706.74296.79216.83516.87296.90616.93526.96076.98307.00277.07007.10507.12327.13277.137615%0.86961.62572.28322.85503.35223.78454.16044.48734.77165.01885.23375.42065.58315.72455.84745.95426.04726.12806.19826.25936.31256.35876.39886.43386.46416.49066.51356.53356.55096.56606.61666.64186.65436.66056.663616%0.86211.60522.24592.79823.27433.68474.03864.34364.60654.83325.02865.19715.34235.46755.57555.66855.74875.81785.87755.92885.97316.01136.04426.07266.09716.11826.13646.15206.16566.17726.21536.23356.24216.24636.248218%0.84751.56562.17432.69013.12723.49763.81154.07764.30304.49414.65604.79324.90955.00815.09165.16245.22235.27325.31625.35275.38375.40995.43215.45095.46695.48045.49195.50165.50985.51685.53865.54825.55235.55415.554920%0.83331.52782.10652.58872.99063.32553.60463.83724.03104.19254.32714.43924.53274.61064.67554.72964.77464.81224.84354.86964.89134.90944.92454.93714.94764.95634.96364.96974.97474.97894.99154.99664.99864.99954.999824%0.80651.45681.98132.40432.74543.02053.24233.42123.56553.68193.77573.85143.91243.96164.00134.03334.05914.07994.09674.11034.12124.13004.13714.14284.14744.15114.15424.15664.15854.16014.16444.16594.16644.16664.166628%0.78131.39161.86842.24102.53202.75942.93703.07583.18423.26893.33513.38683.42723.45873.48343.50263.51773.52943.53863.54583.55143.55583.55923.56193.56403.56563.56693.56793.56873.56933.57083.57123.57143.57143.571432%0.75761.33151.76632.09572.34522.53422.67752.78602.86812.93042.97763.01333.04043.06093.07643.08823.09713.10393.10903.11293.11583.11803.11973.12103.12203.12273.12333.12373.12403.12423.12483.12503.12503.12503.125036%0.73531.27601.67351.96582.18072.33882.45502.54042.60332.64952.68342.70842.72682.74032.75022.75752.76292.76682.76972.77182.77342.77462.77542.77602.77652.77682.77712.77732.77742.77752.77772.77782.77782.77782.7778 注：

11ii计算公式：年金现值系数=

11ii，P=A

- n- n

A—每期等额支付（或收入）的金额；i—报酬率或利率；n—计息期数；P—年金现值或本利和

附表五 自然对数表

N1.01.11.21.31.41.51.61.71.81.92.02.12.22.32.42.52.62.72.82.93.03.13.23.33.43.53.63.73.83.94.04.14.24.34.44.54.64.74.84.95.05.15.25.35.45.55.65.75.800.00000.09530.18230.26240.33650.40550.47000.53060.58780.64190.69310.74190.78850.83290.87550.91630.95550.99331.02961.06471.09861.13141.16321.19391.22381.25281.28091.30831.33501.36101.38631.41101.43511.45861.48161.50411.52611.54761.56861.58921.60941.62921.64871.66771.68641.70471.72281.74051.757910.01000.10440.19060.27000.34360.41210.47620.53650.59330.64710.69810.74670.79300.83720.87960.92030.95940.99691.03321.06821.10191.13461.16631.19691.22671.25561.28371.31101.33761.36351.38881.41341.43751.46091.48391.50631.52821.54971.57071.59131.61141.63121.65061.66961.68821.70661.72461.74221.759620.01980.11330.19890.27760.35070.41870.48240.54230.59880.65230.70310.75140.79750.84160.88380.92430.96321.00061.03671.07161.10531.13781.16941.20001.22961.25851.28651.31371.34031.36611.39131.41591.43981.46331.48611.50851.53041.55181.57281.59331.61341.63321.65251.67151.69011.70841.72631.74401.761330.02960.12220.20700.28520.35770.42530.48860.54810.60430.65750.70800.75610.80200.84590.88790.92820.96701.00431.04031.07501.10861.14101.17251.20301.23261.26131.28921.31641.34291.36861.39381.41831.44221.46561.48841.51071.53261.55391.57481.59531.61541.63511.65441.67341.69191.71021.72811.74571.763040.03920.13100.21510.29270.36460.43180.49470.55390.60980.66270.71290.76080.80650.85020.89200.93220.97081.00801.04381.07841.11191.14421.17561.20601.23551.26411.29201.31911.34551.37121.39621.42071.44461.46791.49071.51291.53471.55601.57691.59741.61741.63711.65631.67521.69381.71201.72991.74751.764750.04880.13980.22310.30010.37160.43830.50080.55960.61520.66780.71780.76550.81090.85440.89610.93610.97461.01161.04731.08181.11511.14741.17871.20901.23841.26691.29471.32181.34811.37371.39871.42311.44691.47021.49291.51511.53691.55811.57901.59941.61941.63901.65821.67711.69561.71381.73171.74921.766460.05830.14840.23110.30750.37840.44470.50680.56530.62060.67290.72270.77010.81540.85870.90020.94000.97831.01521.05081.08521.11841.15061.18171.21191.24131.26981.29751.32441.35071.37621.40121.42551.44931.47251.49511.51731.53901.56021.58101.60141.62141.64091.66011.67901.69741.71561.73341.75091.768170.06770.15700.23900.31480.38530.45110.51280.57100.62590.67800.72750.77470.81980.86290.90420.94390.98211.01881.05431.08861.12171.15371.18481.21491.24421.27261.30021.32711.35331.37881.40361.42791.45161.47481.49741.51951.54121.56231.58311.60341.62331.64291.66201.68081.69931.71741.73521.75271.769980.07700.16550.24690.32210.39200.45740.51880.57660.63130.68310.73240.77930.82420.86710.90830.94780.98581.02251.05781.09191.12491.15691.18781.21791.24701.27541.30291.32971.35581.38131.40611.43031.45401.47701.49961.52171.54331.56441.58511.60541.62531.64481.66391.68271.70111.71921.73701.75441.771690.08620.17400.25460.32930.39880.46370.52470.58220.63660.68810.73720.78390.82860.87130.91230.95170.98951.02601.06131.09531.12821.16001.19091.22081.24991.27821.30561.33241.35841.38381.40851.43271.45631.47931.50191.52391.54541.56651.58721.60741.62731.64671.66581.68451.70291.72101.73871.75611.7733 注：

计算公式：自然对数值=lnN。表示以自然数e为底，N的对数值。

如N=5.83，则查纵列5.8横列3对应的数值，即ln(5.83)=1.7630。

附表五 自然对数表 续表

N5.96.06.16.26.36.46.56.66.76.86.97.07.17.27.37.47.57.67.77.87.98.08.18.28.38.48.58.68.78.88.99.09.19.29.39.49.59.69.79.89.910.001.77501.79181.80831.82451.84051.85631.87181.88711.90211.91691.93151.94591.96011.97411.98792.00152.01492.02812.04122.05412.06692.07942.09192.10412.11632.12822.14012.15182.16332.17482.18612.19722.20832.21922.23002.24072.25132.26182.27212.28242.29252.302611.77661.79341.80991.82621.84211.85791.87331.88861.90361.91841.93301.94731.96151.97551.98922.00282.01622.02952.04252.05542.06812.08072.09312.10542.11752.12942.14122.15292.16452.17592.18722.19832.20942.22032.23112.24182.25232.26282.27322.28342.29352.303621.77831.79511.81161.82781.84371.85941.87491.89011.90511.91991.93441.94881.96291.97691.99062.00422.01762.03082.04382.05672.06942.08192.09432.10662.11872.13062.14242.15412.16562.17702.18832.19942.21052.22142.23222.24282.25342.26382.27422.28442.29462.304631.78001.79671.81321.82941.84531.86101.87641.89161.90661.92131.93591.95021.96431.97821.99202.00552.01892.03212.04512.05802.07072.08322.09562.10782.11992.13182.14362.15522.16682.17822.18942.20062.21162.22252.23322.24392.25442.26492.27522.28542.29562.305641.78171.79841.81481.83101.84691.86251.87791.89311.90811.92281.93731.95161.96571.97961.99332.00692.02022.03342.04642.05922.07192.08442.09682.10902.12112.13302.14482.15642.16792.17932.19052.20172.21272.22352.23432.24502.25552.26592.27622.28652.29662.306651.78341.80011.81651.83261.84851.86411.87951.89461.90951.92421.93871.95301.96711.98101.99472.00822.02152.03472.04772.06052.07322.08572.09802.11022.12232.13422.14592.15762.16912.18042.19172.20282.21382.22462.23542.24602.25652.26702.27732.28752.29762.307661.78511.80171.81811.83421.85001.86561.88101.89611.91101.92571.94021.95441.96851.98241.99612.00962.02292.03602.04902.06182.07442.08692.09922.11142.12352.13532.14712.15872.17022.18152.19282.20392.21482.22572.23642.24712.25762.26802.27832.28852.29862.308671.78671.80341.81971.83581.85161.86721.88251.89761.91251.92721.94161.95591.96991.98381.99742.01092.02422.03732.05032.06312.07572.08822.10052.11262.12472.13652.14832.15992.17132.18272.19392.20502.21592.22682.23752.24812.25862.26902.27932.28952.29962.309681.78841.80501.82131.83741.85321.86871.88401.89911.91401.92861.94301.95731.97131.98511.99882.01222.02552.03862.05162.06432.07692.08942.10172.11382.12582.13772.14942.16102.17252.18382.19502.20612.21702.22792.23862.24922.25972.27012.28032.29052.30062.310691.79011.80661.82291.83901.85471.87031.88561.90061.91551.93011.94451.95871.97271.98652.00012.01362.02682.03992.05282.06562.07822.09062.10292.11502.12702.13892.15062.16222.17362.18492.19612.20722.21812.22892.23962.25022.26072.27112.28142.29152.30162.3115 注：

计算公式：自然对数值=lnN。表示以自然数e为底，N的对数值。

如N=9.83，则查纵列9.8横列3对应的数值，即ln(9.83)=2.2854。

附表六 正态分布下的累积概率[N（d）]

（即变量取值小于其均值与d个标准差之和的概率）

X/σ0.00.10.20.30.40.50.60.70.80.91.01.11.21.31.41.51.61.71.81.92.02.12.22.32.42.52.62.72.82.93.04.05.00.000.50000.53980.57930.61790.65540.69150.72750.75800.78810.81590.84130.86430.88490.90320.91920.93320.94520.95540.96410.97130.97720.98210.98610.98930.99180.99380.99530.99650.99740.99810.99871.00001.00000.010.50400.54380.58320.62170.65910.69500.72910.76110.79100.81860.84380.86650.88690.90490.92070.93450.94630.95640.96490.97190.97780.98260.98640.98960.99200.99400.99550.99660.99750.99820.99871.00001.00000.020.50800.54780.58710.62550.66280.69850.73240.76420.79390.82120.84610.86860.88880.90660.92220.93570.94740.95730.96560.97260.97830.98300.98680.98980.99220.99410.99560.99670.99760.99820.99871.00001.00000.030.51200.55170.59100.62930.66640.70190.73570.76730.79670.82380.84850.87080.89070.90820.92360.93700.94840.95820.96640.97320.97880.98340.98710.99010.99250.99430.99570.99680.99770.99830.99881.00001.00000.040.51600.55570.59480.63310.67000.70540.73890.77040.79950.82640.85080.87290.89250.90990.92510.93820.94950.95910.96710.97380.97930.98380.98750.99040.99270.99450.99590.99690.99770.99840.99881.00001.00000.050.51990.55960.59870.63680.67360.70880.74220.77340.80230.82890.85310.87490.89440.91150.92650.93940.95050.95990.96780.97440.97980.98420.98780.99060.99290.99460.99600.99700.99780.99840.99891.00001.00000.060.52390.56360.60260.64060.67720.71230.74540.77640.80510.83150.85540.87700.89620.91310.92790.94060.95150.96080.96860.97500.98030.98460.98810.99090.99310.99480.99610.99710.99790.99850.99891.00001.00000.070.52790.56750.60640.64430.68080.71570.74860.77940.80780.83400.85770.87900.89800.91470.92920.94180.95250.96160.96930.97560.98080.98500.98840.99110.99320.99490.99620.99720.99790.99850.99891.00001.00000.080.53190.57140.61030.68440.71900.75170.78230.81060.83650.85990.88100.89970.91620.93060.94290.95350.96250.96990.97610.98120.98540.98870.99130.99340.99510.99630.99730.99800.99860.99901.12491.00001.00000.090.53590.57530.61410.65170.68790.72240.75490.78520.81330.83890.86210.88300.90150.91770.93190.94410.95450.96330.97060.97670.98170.98570.98900.99160.99360.99520.99640.99740.99810.99860.99901.00001.0000 注：例如，d=0.22，则N（d）=0.5871，即正态分布变量有0.5871的可能取值小于其均值与0.22个标准差之和。

rt附表七 e的值：1元的连续复利终值

r01234567891011121314151617181920212223242526272829303540455055601%2%3%4%5%6%7%8%9%10%1.01011.02021.03051.04081.05131.06181.07251.08331.09421.10521.02021.04081.06181.08331.10521.12751.15031.17351.19721.22141.03051.06181.09421.12751.16181.19721.23371.27121.31001.34991.04081.08331.12751.17351.22141.27121.32311.37711.43331.49181.05131.10521.16181.22141.28401.34991.41911.49181.56831.64871.06181.12751.19721.27121.34991.43331.52201.61611.71601.82211.07251.15031.23371.32311.41911.52201.63231.75071.87762.01381.08331.17351.27121.37711.49181.61611.75071.89652.05442.22551.09421.19721.31001.43331.56831.71601.87762.05442.24792.45961.10521.22141.34991.49181.64871.82212.01382.22552.45962.71831.11631.24611.39101.55271.73331.93482.15982.41092.69123.00421.12751.27121.43331.61611.82212.05442.31642.61172.94473.32011.13881.29691.47701.68201.91552.18152.48432.82923.22203.66931.15031.32311.52201.75072.01382.31642.66453.06493.52544.05521.16181.34991.56831.82212.11702.45962.85773.32013.85744.48171.17351.37711.61611.89652.22552.61173.06493.59664.22074.95301.18531.40491.66531.97392.33962.77323.28713.89624.61825.47391.19721.43331.71602.05442.45962.94473.52544.22075.05316.04961.20921.46231.76832.13832.58573.12683.78104.57225.52906.68591.22141.49181.82212.22552.71833.32014.05524.95306.04967.38911.23371.52201.87762.31642.85773.52544.34925.36566.61948.16621.24611.55271.93482.41093.00423.74344.66465.81247.24279.02501.25861.58411.99372.50933.15823.97495.00286.29657.92489.97421.27121.61612.05442.61173.32014.22075.36566.82108.671111.02321.28401.64872.11702.71833.49034.48175.75467.38919.487712.18251.29691.68202.18152.82923.66934.75886.17198.004510.381213.46371.31001.71602.24792.94473.85745.05316.61948.671111.358914.87971.32311.75072.31643.06494.05525.36567.09939.393312.428616.44461.33641.78602.38693.18994.26315.69737.614110.175713.599118.17411.34991.82212.45963.32014.48176.04968.166211.023214.879720.08551.41912.01382.85774.05525.75468.166211.588316.444623.336133.11551.49182.22553.32014.95307.389111.023216.444624.532536.598254.59821.56832.45963.85746.04969.487714.879723.336136.598257.397590.01711.64872.71834.48177.389112.182520.085533.115554.598290.01711.73333.00425.20709.025015.642627.112646.993181.45091.82213.32016.049611.023220.085536.598266.6863121.5104141.1750221.4064148.4132244.6919403.4288 注：计算公式：连续复利终值=e。例如，以10%的年利率连续复利，则今天投资1元，1年末的价值为1.1052元，2年末的价值为1.2214元。

rt