<p style="text-align:left; margin:0pt 0pt 0.0001pt"><span style="background:#ffffff"><span style="letter-spacing:0.0000pt"><span style="font-weight:normal"><span style="text-transform:none"><span style="font-style:normal"><font face="思源黑体 Normal">下面是使用计算器计算年金现值的详细步骤：</font></span></span></span></span></span></p>
<p style="text-align:left; margin:0pt 0pt 0.0001pt"><span style="background:#ffffff"><span style="letter-spacing:0.0000pt"><span style="font-weight:normal"><span style="text-transform:none"><span style="font-style:normal"><font face="思源黑体 Normal">1. 输入每次支付的金额（P）。</font></span></span></span></span></span></p>
<p style="text-align:left; margin:0pt 0pt 0.0001pt"><span style="background:#ffffff"><span style="letter-spacing:0.0000pt"><span style="font-weight:normal"><span style="text-transform:none"><span style="font-style:normal"><font face="思源黑体 Normal">2. 输入年利率（r），记得将年利率转换为小数形式。</font></span></span></span></span></span></p>
<p style="text-align:left; margin:0pt 0pt 0.0001pt"><span style="background:#ffffff"><span style="letter-spacing:0.0000pt"><span style="font-weight:normal"><span style="text-transform:none"><span style="font-style:normal"><font face="思源黑体 Normal">3. 输入总的支付期数（n）。</font></span></span></span></span></span></p>
<p style="text-align:left; margin:0pt 0pt 0.0001pt"><span style="background:#ffffff"><span style="letter-spacing:0.0000pt"><span style="font-weight:normal"><span style="text-transform:none"><span style="font-style:normal"><font face="思源黑体 Normal">4. 使用计算器上的PV功能，有些计算器可能需要先按下“PV”键。</font></span></span></span></span></span></p>
<p style="text-align:left; margin:0pt 0pt 0.0001pt"><span style="background:#ffffff"><span style="letter-spacing:0.0000pt"><span style="font-weight:normal"><span style="text-transform:none"><span style="font-style:normal"><font face="思源黑体 Normal">5. 输入以上数值。</font></span></span></span></span></span></p>
<p style="text-align:left; margin:0pt 0pt 0.0001pt"><span style="background:#ffffff"><span style="letter-spacing:0.0000pt"><span style="font-weight:normal"><span style="text-transform:none"><span style="font-style:normal"><font face="思源黑体 Normal">6. 计算器会显示出年金现值（PV）的结果。</font></span></span></span></span></span></p>
