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Уважаемые эксперты! Пожалуйста, ответьте на вопрос: Рыночная стоимость ликвидной облигации на конкурентном рынке равна 111руб. Ее номинальная стоимость — 120 руб., номинальная ставка годового купонного процента — 19%. Срок до погашения облигации — 2 года. Ставка налога — 15%. Какова фактическая ставка дохода по этой облигации?
Для решения задачи нужно знать, по какой методике происходит оценка доходности в соответствии с Вашей учебной программой. Чтобы понять, в чём проблема, посмотрите, пожалуйста, этот материал. Каким учебником Вы пользуетесь?
Я недаром интересовался, каким учебником Вы пользуетесь и какая методика расчёта ставки дохода имеется в виду. К сожалению, Ваш ответ не даёт нужной информации.
Приводимое Вами дальше решение странное. Откуда оно взято?
На мой взгляд, например, простейший расчёт может быть следующим: 1) 140*19/100 = 26,6 (р.) - годовой купонный доход (при условии выплаты один раз в год) без учёта налога; 2) 26,6*15/100 = 3,99 (р.) - налог на годовой купонный доход; 3) 26,6-3,99=22,61 (р.) - фактический годовой купонный доход; 4) 22,61*100%/140=16,15% - процентная ставка фактического годового купонного дохода. Можно и ещё проще: 19%*(100%-15%)/100%=16,15% - процентная ставка фактического годового купонного дохода. По отношению к рыночной цене облигации процентная ставка годового купонного дохода составляет 22,61*100%/120=18,84%.
Но и в этом решении принимается, например, что купонный доход выплачивается раз в год, что, по-моему, противоречит действительности.
Давайте сначала определим всё же, какая методика даётся в используемом Вами пособии по дисциплине. Потому что сам термин "фактическая ставка дохода по облигации" представляется мне сомнительным.
Ниже приводится решение задачи в том виде, в каком оно может быть, на мой взгляд.
Если оно Вас устраивает, то я оформлю ответ. Если не устраивает, то, возможно, кто-нибудь из экспертов рассылки сумеет Вам помочь.
Замечу, что более точное значение доходности облигации к погашению можно найти, решая уравнение, которое Вы можете найти по указанной в решении ссылке. Но, думаю, в этом нет необходимости. Кроме того, применяя последнюю формулу, мы полагаем, что облигация погашается по номинальной цене.
Об авторе:
Facta loquuntur.
Неизвестный
31.08.2011, 18:59
общий
Да, я думаю меня устроит решение, которое вы оформите. Спасибо!
Ниже приводится решение задачи в том виде, в каком оно может быть, на мой взгляд.
Применяя последнюю формулу, мы полагаем, что облигация погашается по номинальной цене (F = N).
Более точное значение доходности облигации к погашению можно найти, решая уравнение, которое Вы можете найти по указанной в решении ссылке. Но, думаю, в этом нет необходимости.
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