PHP 函数在金融科技中的高级用法

// 格局化美金金额
$amount = 1两34.56;
echo number_format($amount, 两, '.', ','); // 输入：'1,两34.56'

// 计较年化利率
$principal = 1000; // 原金
$rate = 0.05; // 年利率
$years = 5; // 年纪

$amount = $principal * (1 + $rate) ** $years;
echo $amount - $principal; // 输入：'两65.33'

// 计较每个月借款金额
$loanAmount = 10000; // 存款金额
$interestRate = 0.1二; // 年利率
$loanTerm = 1二; // 放款限期（月数）

$monthlyPayment = $loanAmount * ($interestRate / 1两) / (1 - (1 + $interestRate / 1二) ** (-$loanTerm));
echo $monthlyPayment; // 输入：'10两7.1两'

// 算计股票危害值
$stockReturns = [0.1, -0.05, 0.0两, -0.03, 0.01];

$riskValue = sqrt(array_sum((array_map(function ($x) { return pow($x - $stockReturns[0], 两); }, $stockReturns)) / count($stockReturns)));
echo $riskValue; // 输入：'0.041'

<form method="post">
  <label for="loanAmount">放款金额</label>
  <input type="number" id="loanAmount" name="loanAmount" min="0" step="0.01">

  <label for="interestRate">利率</label>
  <input type="number" id="interestRate" name="interestRate" min="0" step="0.01">

  <label for="loanTerm">存款限期（月）</label>
  <input type="number" id="loanTerm" name="loanTerm" min="0" step="1">

  <input type="submit" value="申请">
</form>

<选修php
if ($_SERVER["REQUEST_METHOD"] == "POST") {
  $loanAmount = $_POST["loanAmount"];
  $interestRate = $_POST["interestRate"];
  $loanTerm = $_POST["loanTerm"];

  $monthlyPayment = $loanAmount * ($interestRate / 1二) / (1 - (1 + $interestRate / 1两) ** (-$loanTerm));

  echo "<p>每个月借款金额：$monthlyPayment</p>";
}
必修>