新光人壽美添109建議書如下
若想了解IRR 5%的香港保單或其他台灣保單
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以下的cashFlow.txt
副檔名.csv亦可,
內容就是逗點分隔檔
每列現金流狀況與建議書一致
程式碼:
import csv
import numpy_financial as npf
import numpy as np
base = 0.01 # 基準利率1%,隨便key的,不用認真
year_IRR = [(“Year”, “IRR”, “絕對利差”, “相對利差”)]
with open(r”C:\Python\example\csvreader\cashFlow.txt”, “r”) as f:
csvreader = csv.reader(f)
csvlst = [r for r in csvreader]
# print(csvlst) #2D list,且都為字串,非數字
# 以下雙層for迴圈,把字串都轉成數字
for r in range(len(csvlst)):
for c in range(len(csvlst[r])):
csvlst[r][c] = eval(csvlst[r][c])
for r in csvlst:
print(f”{r.index(r[-1])}年現金流:\n”, r)
# 看起來沒問題,元素都是數字
for row in csvlst:
csvAry = np.array(row)
myirr = round(npf.irr(csvAry), 4)
# round函數本身的問題,有的資料取小數點下4位失敗
rateDiff = myirr – base # 絕對利差
rateDiffRel = rateDiff/base # 相對利差
year = row.index(csvAry[-1])
yearStr = “%02d” % year
myirrStr = “%.2f %%” % (myirr*100)
rateDiffStr = “%.2f %%” % (rateDiff*100)
rateDiffRelStr = “%.2f %%” % (rateDiffRel*100)
tup = (yearStr, myirrStr, rateDiffStr, rateDiffRelStr)
year_IRR.append(tup)
for ele in year_IRR:
print(ele)
with open(r”C:\Python\example\csvreader\IRR_Calculate.csv”, “w”) as f2:
csv.writer(f2).writerows(year_IRR)
print(“資料已寫入IRR_Calculate.csv”)
輸出結果:
寫出的csv檔:
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