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1. NIZOVI
Aritmetiki niz c an = a1 + (n 1) d , Geometrijski niz an = a1 q n1 , sn = a1 qn 1 , q1 an = an1 an+1 sn = n 2 a1 + (n 1) d , 2 an = an1 + an+1 2
p , 100
r =1+
p , 100
Cn = C0 rn
1+
p 1 , 100
r =
n=
S(r1) Rr
log r
n=
+1
log r
A =
S rn 1 =R n rn r (r 1)
R RA (r1)
n= R = AR Beskonana renta c
log r
n=
log
log r rn 1 rn+1 rn (r 1)
rn 1 rn , rn1 (r 1)
R = A R
R r1
5. KREDIT
Otplata kredita jednakim anuitetima krajem razdoblja K=a Ik = Ok1 p , 100 Ok = a rn 1 , rn (r 1) a=K rn (r 1) rn 1 Ok = Ok1 Rk a rnk+1
Rk = a Ik ,
Rk = R1 rk1 ,
Rk =
7. AMORTIZACIJA
Linearna metoda R= C S , n Dk = k R , Bk = C Dk
Metoda konstantnog postotka d Rk = Bk1 , 100 Metoda sume znamenaka s = 1 + 2 + + n nk+1 1 n (C S) , . . . , Rk = (C S) , . . . , Rn = (C S) s s s Bk = Bk1 Rk , Dk = C Bk , d S =C 1 100
n
R1 =
Funkcionalna metoda Q = p1 + p2 + + pn , a= C S , Q R i = pi a
qn , 100
Cn = C 0
100 100 qn
100 , 100 q
Cn = C0 n
q 100
I0 =
Kq , 100
Rk = (a I0 )k ,
Ik = a Rk ,
Ok = Ok1 Rk
9. MATEMATIKA OSIGURANJA
Jednogodinje vjerojatnosti doivljenja i smrti s z px = 1 qx = lx+1 lx qx = dx lx lx+1 = lx lx
lx+n lx
n qx
= 1 n px =
lx lx+n lx
Neodgodena osobna renta trajanja n godina ax:n = 1 + Dx+1 Dx+2 Dx+n1 Nx Nx+n + + ... + = Dx Dx Dx Dx
Dx+n Dx
b) OSIGURANJE ZA SLUCAJ SMRTI Neodgodeno doivotno osiguranje za sluaj smrti z c Ax = Cx Cx+1 C Mx + + ... + = Dx Dx Dx Dx
Aa x:n
+ 1
Dx+n Dx
(1 ) ax:n