?? ?? ???? ??????? ???????

???? ??????? ?????? (AIR) ?? ???? ??????? ??????? ??? ???? ????? ????? ???? ??????/??????? ??????? ?? ????? ????? ????? ?? ?????? ??????? ???? ???. ??? ??? ???????? ???????? ?????? ??????? ?????? ?? ?????? ?????? ??? ????? ????? ??? ???? ???? ???????.

??????? ??????? ??????? ???????

???? ??????? ???????： ??? ??????? ??? ????? ????? ?? ??? ?????? (??? ???? ?????? 5%)? ??????? ?? ?????? ???????? ?? ?????? ????? ?????. ???? ??????? ??????： ???? ??????? ?????? ÷ 12? ?????? ??? ????? ????? (??? ???? ?????? 0.42%? ??? ?? ?????? ?? ???? ????? ???? ???? 5%). ???? ??????? ??????： ???? ??????? ?????? ÷ 365? ?????? ??? ????? ????? ?? ???? ???? (??? ???? ?????? 0.014%? ??? ?? ?????? ?? ???? ????? ???? ???? 5%).

????? ??????? ????? ???????

???? ??????: - ???? ???? ??????? ????? ??? ??? ?????? ????? ??????? ??????? ???????? ?????? (????/????/?????) ?????? ???????? ??????? ??????? ???? ????? ????????. - ????? ?????? ?????? ?????? ???????? ??? ????? ????????? ????? ????????? ????????. - ?????? ??????? ???? ????????? ??????? ??????? ?????????? ????????????? ??????.

????

??? ??? ?????? ???? 10,000 ???? ????? ????? ???? 3.5% ???? 180 ?????: ??????? = ??? ?????? = ??? ?????? × ???? ?????? ??????? ??????? × (?????? ÷ 365) = 10,000 × 3.5% × 172.6 ??????? ????????(180÷365) ≈ 172.6 ????

??????: ????? ?????? ?? ??? ?????? ??? ????? ?????? ?????? ???????? ?????? ??????? ?????? ????.