关于折现率的一个问题，希望能得到同学们帮助

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问题如下：现行折现率是每年10%，一年后的现金流是1000元。如果这个现金流在到期前一个月我来购买的话，我对它进行折现应该是1000*（1+10%/12）呢？还是1000*（1+10%）外面十二分之一次方呢？谢谢

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关键词：同学们 折现率 现金流 折现率

我觉得是外边12之11次方

而且折现应该是除而不是乘

Hello dushededidi,

I know what's your point.
Unfortunately, both of your options are not appropriate.

Take it easy,it's not your fault.
It is actually a practical issue.
Here is the concept,
you pay the PV at your latest prior transaction point + interest afterwards.
Meaning, practitioner won't use discount method to get the transaction price between two coupon dates.

For your convenience,
I built a model for you.

1. get PV at time 0= 1000/(1.1)
2. get interest = 1000 - PV
3. get monthly interest  = interest / 12
4. get your final price = PV + monthly interest X 11
    or
    FV - monthly interest

The solutions should match with each other as the model demonstrated.
I hope it helps.