基金最佳使用计划

本文给出了基金存款策略的数学模型.对于基金M使用n年的情况而言,首先把M分成n份,其中第i(1≤i≤n)份存款xi存期为i年,那么只有当第i(i ≤n-1)份资金按最佳存款策略存款到期后的本息和等于当年的奖学金数,并且第n份资金按最佳存款策略存款n年后的本息和等于原基金M与当年的奖学金数之和时,每年发放的奖学金才能达到最多.通过求解此模型,我们得到了基金的最佳存款策略,并求出了在n=10年,M=5000万元的情况下,基金的最佳使用方案.在可存款也可购买国库券时,采取一种转化方法,将国库券购买情况转化为相应年期的定期存款,结合问题(一)即可求得在n=10年,M=5000万元的情况下,基金的最佳使用方案;在第三年校庆时奖学金数额比其它年度多20%的问题的分析方法和模型的解决方法与前相同.

Optical Scheme for Using Funds

The mathematical model of the funds deposit scheme was proposed in this paper. For fund M is to be used for n years. First fund M can be divided into n parts . We assume one of them is (the number is more than or equal to 1 and less than or equal to n ) ,Its time limit is years. only when the sum of the capital and interest equals to the amount of scholarship at that year at the expiration of deposit ( number is less than or equal to n-1) according to the optimal funds deposit scheme. Moreover, when the sum of capital and interest equals to the sum of M and the scholarship at that year at the expiration of deposit . The amount of scholarship can attain the largest grant. By calculating this mathematical model, Optimal funds deposit scheme was found. For n equals to 10 years and M equals to 5000 ten thousand yuans, Optimal funds deposit scheme was found. when we can choose to deposit or purchase nation bond, The problem that purchase nation bond is converted into deposit in the same time. combined question one we could found the optimal funds deposit scheme when n equal to 10 years and M equal 5000 ten thousand yuans. In the third school anniversary, the analysis method about the amount of scholarship 20% more than other years and the solving method are same as the former.