1. Effective annual interest rate EAR=( 1+ nominal annual interest rate/number of compound interest periods) number of compound interest periods-1\x0d\2. Real interest rate: \x0d\( 1) The interest rate obtained by subtracting the inflation rate from the nominal interest rate. \x0d\(2) The interest rate calculated according to the nominal annual interest rate and the actual interest-bearing times each year. \x0d\3。 Nominal interest rate: the interest rate announced by the central bank or other institutions providing loans without inflation adjustment, that is, the ratio of the monetary amount of interest (reward) to the monetary amount of principal.