The Bank obtained a short-term loan of RMB 6,543,800,000 with a term of 654.38+0 years and an annual interest rate (nominal interest rate) of 8.5%. Please calculate the total amount method, discount method and interest rate increase method respectively. First, the one-time payment method, that is, the way to repay the principal and interest when due. The formula is: sum of principal and interest = principal *( 1+ corresponding interest rate) corresponding period. Substitute the data in this question, that is, the sum of principal and interest =1000 * (1+8.5%)1=1085 (ten thousand yuan).

Second, the interest rate method, that is, the installment method, banks generally use the equal repayment method. Its annuity = principal * corresponding interest rate /( 1-( 1+ corresponding interest rate)-corresponding term). Final value = annuity * corresponding period. Substituting this data, annuity (month) =1000 * (8.5%12)/(1-(1+8.5%12) = 85438+02. The final value = 87.22 *12 =1046.64 (ten thousand yuan).

Third, the discount method. At present, the bank has no clear external quotation, so many factors should be considered when determining the final discount rate, such as face value, discount days, issuing bank, customers, bank capital adequacy ratio and so on. 1000000 and 10000000 the discount rates promised by banks are different. 10000000 The promised discount rate of the bank is higher than that of 1000000 in principle. In addition, when banks have sufficient funds and are short of funds, they will put all their funds into loans with higher returns. Finally, the customer situation, the bank's big customers, basically no matter what tickets, give the most favorable discount rate. Wait a minute.