discount factor

discount factor的音标是[ˈdɪskaʊnt fəˈtɜːr] ，基本翻译是“折扣因子”，速记技巧是：谐音记忆：“迪斯卡我脱佛特儿” 意为“折扣就是那个东西”。

Discount Factor这个词的英文词源可以追溯到拉丁语和法语，表示折扣或折价的因素。它的变化形式主要有复数形式discount factors，过去式discounted，现在分词discounting等。

相关单词：

Discount（折扣）：这个词直接来自于discount factor，表示在交易中给予的价格折扣。

Reduce（减少）：这个词与discount有相似的含义，表示减少数量或金额。

Markdown（降价）：这个词也与discount有关，表示将商品或服务以折扣价格出售。

Subtract（减法）：这个词表示从总数中减去一部分，与discount Factor的含义有相似之处。

Discounted Price（折价价格）：这是一个合成词，表示已经打折后的价格。

Discount Rate（折扣率）：这是一个金融术语，表示在交易中给予的折扣所占的比例。

Discount Window（折扣窗）：这是一个金融术语，表示银行或金融机构提供折扣的窗口，以鼓励交易。

Discounting（折扣处理）：这是一个动词形式，表示在交易中给予折扣或对价格进行折扣处理。

Discounting Contract（折扣合同）：这是一个商业术语，表示一种合同形式，其中一方同意在一定时间内给予折扣。

折扣因子（Discount Factor）常用短语：

1. Discount Rate（折扣率）

2. Discount Factor for Interest（利息的折扣因子）

3. Discounted Value（折现值）

4. Discounted Future Value（折现未来值）

5. Discounted Cash Flow（折现现金流）

6. Discounted Return on Investment（投资折现回报率）

7. Discounted Value of Time（时间的折现价值）

例句：

1. The discount rate used to calculate the discounted value of the investment is crucial.（计算投资折现值所用的折扣率至关重要。）

2. The discount factor for interest is a key factor in determining the repayment schedule of a loan.（利息的折扣因子是确定贷款还款计划的关键因素。）

3. The discounted future value of an investment represents the amount that will be received in the future after taking into account the discount rate.（投资折现未来值是在考虑了折扣率后未来将获得的金额。）

英文小作文：

Discount Factor in Finance

Discount factor is an essential concept in finance that helps us understand the value of future cash flows. When we consider an investment or loan, we need to take into account the time value of money, which is why discount factor plays such an important role.

For example, imagine a company that plans to invest $1 million in a new project and expects to earn a 10% return over the next five years. Without considering the discount factor, the company might think it has received $500,000 in cash flow immediately after investing the $1 million. However, if we apply a 5% discount rate, we will realize that the true value of the cash flows is much lower, closer to $400,000.

The discount factor is also important when considering repayment schedules for loans. By calculating the discount factor for interest, we can determine how much we should be expecting to receive back over time, taking into account the rate of interest and the length of the loan term.

In conclusion, the discount factor is a powerful tool that helps us understand the true value of future cash flows and make informed decisions about investments and loans.