单利:F=[A*(1+i)^n-1]/i=[100*(1+10%/12)^(5*12)-1]/(10%/12)=7743.7复利:实际利率ir=(1+in/n)^n-1 =(1+10%/2)^2-1=0.1025F=[A*(1+i)^n-1]/i=[100*(1+10.25%/12)^(5*12)-1]/(10.25%/12)=7795.1
