2022 first-class construction engineer " engineering economy " real questions answers and analysis!
1. The enterprise invests a fund at the beginning of the year, and the nominal interest rate of is 6%, and the interest is calculated based on quarterly compound interest. The sum of the principal system at the end of the year is 31.8409 million yuan. Then the loan amount at the beginning of the year is () 10,000
A. 3003.86 B.3000.00 D. 3185.03 C. 3018.03
[Reference answer] B [Analysis] (1+r/m) m-1= (1+6%/4 4-1=6.136%, P=3184.09/ (1+6.136%)=3000.00
2. Regarding the debt repayment reserve ratio, the correct statement is ()
A. The debt repayment reserve ratio is greater than 1, indicating that the ability to repay the principal and interest of the debt is insufficient
B. The debt repayment reserve ratio reflects the enterprise's ability to repay the debt interest from the perspective of the source of interest payment funds
C debt repayment reserve ratio is the ratio of the funds that repay the principal and interest and the amount of principal to be repaid in the current period
D. The debt repayment rate should be calculated annually during the loan repayment period
[Reference answer] D [Analysis] A, the debt repayment rate is low, indicating that the funds to repay the principal and interest of the debt are insufficient, and the debt repayment risk is high. In normal circumstances, the debt repayment rate should be greater than 1 and determined in combination with the requirements of the creditor. B, C, the debt repayment rate reflects the ability to repay the principal and interest from the perspective of the abundant source of debt repayment funds. It refers to the ratio of the funds that can be used for repayment of principal and interest in each year during the technical plan loan repayment period to the amount of principal and interest that should be repaid in the current period. D is correct.
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