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15问答网 > 请问数学：有一笔100000元存款存银行，存期五年，实际利率3.85%，到期后比基准利率可以多获利息1951

请问数学：有一笔100000元存款存银行，存期五年，实际利率3.85%，到期后比基准利率可以多获利息1951

2025-03-16 18:56:45

推荐回答（1个）

回答1：

100000×（1+3.85%）^5=120790.42，按照实际利率本利合计120790.42元，
120790.42-19517=101273.42，按照基准利率本利合计101273.42元，
（101273.42÷100000）^(1/5)-100%=1.0025-100%=100.25%-100%=0.25%，基准利率0.25%

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