使用Python讀取csv逗點分隔檔(每列內容為現金流),計算新光人壽美添109 IRR,免費下載IRR計算機

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”)