Financial Calculator Pro \u2014 \u5168\u573a\u666f\u4e13\u4e1a\u91d1\u878d\u8ba1\u7b97\u5668 | \u8d27\u5e01\u65f6\u95f4\u4ef7\u503c\u30fb\u73b0\u91d1\u6d41\u30fb\u503a\u5238\u30fb\u6298\u65e7\u30fb\u7edf\u8ba1\u30fb\u5b9e\u76d8\u8054\u52a8\u30fb\u9ad8\u7cbe\u5ea6\u8ba1\u7b97\u5f15\u64ce<\/strong><\/p>\n\n\n\n \u5bf9\u6807BA II Plus\/HP 12C<\/strong>\u4e13\u4e1a\u91d1\u878d\u8ba1\u7b97\u5668\uff0c\u5168\u529f\u80fd\u590d\u523b + \u6570\u5b57\u5316\u589e\u5f3a + OpenClaw \u751f\u6001\u6253\u901a<\/strong>\uff0c\u9762\u5411 CFA\/FRM\/CPA \u8003\u751f\u3001\u6295\u7814\u3001\u98ce\u63a7\u3001\u4f1a\u8ba1\u3001\u94f6\u884c\u4ece\u4e1a\u8005\uff0c\u63d0\u4f9bTVM\u3001NPV\/IRR\u3001\u503a\u5238\u5b9a\u4ef7\u3001\u4e45\u671f\u3001\u6298\u65e7\u3001\u644a\u9500\u3001\u7edf\u8ba1\u3001\u6c47\u7387\u3001\u6760\u6746\u3001\u98ce\u63a7\u6307\u6807<\/strong>\u5168\u7ef4\u5ea6\u4e13\u4e1a\u8ba1\u7b97\uff0c\u652f\u6301\u6279\u91cf\u8ba1\u7b97\u3001\u5386\u53f2\u56de\u6eaf\u3001\u7ed3\u679c\u5bfc\u51fa\u3001\u7b56\u7565\u8054\u52a8\u3001Web\/CLI \u53cc\u7aef<\/strong>\uff0c\u66ff\u4ee3\u786c\u4ef6\u8ba1\u7b97\u5668\uff0c\u6df1\u5ea6\u5bf9\u63a5Finance\u3001Backtest Expert\u3001Stock Monitor<\/strong>\u5168\u94fe\u8def\u3002<\/p>\n\n\n\n plaintext<\/p>\n\n\n\n txt<\/p>\n\n\n\n python<\/p>\n\n\n\n \u8fd0\u884c<\/p>\n\n\n\n python<\/p>\n\n\n\n \u8fd0\u884c<\/p>\n\n\n\n python<\/p>\n\n\n\n \u8fd0\u884c<\/p>\n\n\n\n python<\/p>\n\n\n\n \u8fd0\u884c<\/p>\n\n\n\n python<\/p>\n\n\n\n \u8fd0\u884c<\/p>\n\n\n\n python<\/p>\n\n\n\n \u8fd0\u884c<\/p>\n\n\n\n python<\/p>\n\n\n\n \u8fd0\u884c<\/p>\n\n\n\n python<\/p>\n\n\n\n \u8fd0\u884c<\/p>\n\n\n\n python<\/p>\n\n\n\n \u8fd0\u884c<\/p>\n\n\n\n bash<\/p>\n\n\n\n \u8fd0\u884c<\/p>\n\n\n\n bash<\/p>\n\n\n\n \u8fd0\u884c<\/p>\n\n\n\n plaintext<\/p>\n\n\n\n \u4e00\u3001\u72ec\u7acb\u65e0\u4e8c\u6807\u9898 & \u5dee\u5f02\u5316\u5b9a\u4f4d Financial Calculator Pro \u2014 \u5168\u573a\u666f\u4e13\u4e1a\u91d1\u878d […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-303","post","type-post","status-publish","format-standard","hentry","category-mianfeiercikaifalongxiaskill"],"_links":{"self":[{"href":"https:\/\/www.longxiapro.com\/index.php\/wp-json\/wp\/v2\/posts\/303","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.longxiapro.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.longxiapro.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.longxiapro.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.longxiapro.com\/index.php\/wp-json\/wp\/v2\/comments?post=303"}],"version-history":[{"count":1,"href":"https:\/\/www.longxiapro.com\/index.php\/wp-json\/wp\/v2\/posts\/303\/revisions"}],"predecessor-version":[{"id":304,"href":"https:\/\/www.longxiapro.com\/index.php\/wp-json\/wp\/v2\/posts\/303\/revisions\/304"}],"wp:attachment":[{"href":"https:\/\/www.longxiapro.com\/index.php\/wp-json\/wp\/v2\/media?parent=303"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.longxiapro.com\/index.php\/wp-json\/wp\/v2\/categories?post=303"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.longxiapro.com\/index.php\/wp-json\/wp\/v2\/tags?post=303"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\u6838\u5fc3\u5b9a\u4f4d<\/h3>\n\n\n\n
\u72ec\u5bb6\u6539\u9020\u7279\u8272\uff08\u533a\u522b\u4f20\u7edf\u786c\u4ef6 \/ \u666e\u901a\u8ba1\u7b97\u5668\uff09<\/h3>\n\n\n\n
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\u4e8c\u3001\u4f20\u7edf\u8ba1\u7b97\u5668\u75db\u70b9<\/h3>\n\n\n\n
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\u4e09\u3001\u6838\u5fc3\u529f\u80fd\u6a21\u5757\uff08\u5168\u4e13\u4e1a\u8986\u76d6\uff09<\/h3>\n\n\n\n
1. \u8d27\u5e01\u65f6\u95f4\u4ef7\u503c TVM\uff08\u6838\u5fc3\uff09<\/h3>\n\n\n\n
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2. \u73b0\u91d1\u6d41\u5206\u6790\uff08CFA\/FRM \u6838\u5fc3\uff09<\/h3>\n\n\n\n
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3. \u503a\u5238\u5b9a\u4ef7\u4e0e\u56fa\u5b9a\u6536\u76ca<\/h3>\n\n\n\n
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4. \u644a\u9500\u4e0e\u6298\u65e7<\/h3>\n\n\n\n
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5. \u7edf\u8ba1\u4e0e\u56de\u5f52<\/h3>\n\n\n\n
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6. \u4e13\u4e1a\u91d1\u878d & \u98ce\u63a7\u6307\u6807<\/h3>\n\n\n\n
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7. \u8f85\u52a9\u5de5\u5177<\/h3>\n\n\n\n
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\u56db\u3001\u9879\u76ee\u76ee\u5f55\u7ed3\u6784<\/h3>\n\n\n\n
financial-calculator-pro\/\n\u251c\u2500\u2500 config\/ # \u5168\u5c40\u914d\u7f6e\u3001\u7cbe\u5ea6\u3001\u7a0e\u7387\u3001\u9ed8\u8ba4\u53c2\u6570\n\u251c\u2500\u2500 core\/ # \u8ba1\u7b97\u5185\u6838\uff1aTVM\u3001\u73b0\u91d1\u6d41\u3001\u503a\u5238\u3001\u6298\u65e7\u3001\u7edf\u8ba1\n\u251c\u2500\u2500 modules\/ # \u529f\u80fd\u6a21\u5757\u3001\u6279\u91cf\u8ba1\u7b97\u3001\u60c5\u666f\u5bf9\u6bd4\u3001\u5bfc\u51fa\n\u251c\u2500\u2500 web\/ # Web\u524d\u7aef\u3001\u4ea4\u4e92\u5f0f\u8ba1\u7b97\u5668\u3001\u53cc\u884c\u663e\u793a\n\u251c\u2500\u2500 cli\/ # \u547d\u4ee4\u884c\u5165\u53e3\u3001\u6781\u901f\u8ba1\u7b97\u811a\u672c\n\u251c\u2500\u2500 utils\/ # \u7cbe\u5ea6\u63a7\u5236\u3001\u65e5\u5fd7\u3001\u5386\u53f2\u8bb0\u5f55\u3001\u5bfc\u51fa\u5de5\u5177\n\u251c\u2500\u2500 api\/ # FastAPI\u63a5\u53e3\u3001OpenClaw\u5bf9\u63a5\n\u251c\u2500\u2500 test\/ # \u7cbe\u5ea6\u6d4b\u8bd5\u3001\u5bf9\u6807BA II Plus\n\u251c\u2500\u2500 requirements.txt # \u4f9d\u8d56\n\u2514\u2500\u2500 main.py # \u5165\u53e3\n<\/code><\/pre>\n\n\n\n\u4e94\u3001\u5b8c\u6574\u4e8c\u6b21\u5f00\u53d1\u4ee3\u7801\uff08\u53ef\u76f4\u63a5\u90e8\u7f72\uff09<\/h3>\n\n\n\n
1. requirements.txt<\/h3>\n\n\n\n
# \u6838\u5fc3\u8ba1\u7b97\nnumpy>=1.24.0\nscipy>=1.10.0\npandas>=2.0.0\n\n# Web\nfastapi>=0.104.0\nuvicorn>=0.24.0\nstreamlit>=1.28.0\n\n# \u5bfc\u51fa\nopenpyxl>=3.1.0\nreportlab>=4.0.0\n\n# \u5de5\u5177\nloguru>=0.7.2\npython-dotenv>=1.0.0\n<\/code><\/pre>\n\n\n\n2. config\/settings.py<\/h3>\n\n\n\n
import os\nfrom dotenv import load_dotenv\nload_dotenv()\n\n# \u7cbe\u5ea6\u8bbe\u7f6e\uff08\u5bf9\u6807\u4e13\u4e1a\u8ba1\u7b97\u5668\uff09\nPRECISION = 15\nROUND_DECIMALS = 6\n\n# \u9ed8\u8ba4\u53c2\u6570\nDEFAULT_RATE = 0.05\nDEFAULT_PERIODS = 10\nDEFAULT_COMPOUND = 12 # \u6708\u590d\u5229\n\n# API\nAPI_HOST = \"0.0.0.0\"\nAPI_PORT = 8110\n\n# \u5bfc\u51fa\u8def\u5f84\nEXPORT_DIR = \".\/export\"\n<\/code><\/pre>\n\n\n\n3. core\/tvm.py\uff08\u8d27\u5e01\u65f6\u95f4\u4ef7\u503c\u5185\u6838\uff09<\/h3>\n\n\n\n
import numpy_financial as nufin\nfrom config.settings import PRECISION\n\nclass TVMCalculator:\n @staticmethod\n def pv(rate, nper, pmt, fv=0, due=0):\n \"\"\"\u73b0\u503c PV\"\"\"\n return round(nufin.pv(rate, nper, pmt, fv, due), PRECISION)\n\n @staticmethod\n def fv(rate, nper, pmt, pv=0, due=0):\n \"\"\"\u7ec8\u503c FV\"\"\"\n return round(nufin.fv(rate, nper, pmt, pv, due), PRECISION)\n\n @staticmethod\n def pmt(rate, nper, pv, fv=0, due=0):\n \"\"\"\u5e74\u91d1 PMT\"\"\"\n return round(nufin.pmt(rate, nper, pv, fv, due), PRECISION)\n\n @staticmethod\n def nper(rate, pmt, pv, fv=0, due=0):\n \"\"\"\u671f\u6570 N\"\"\"\n return round(nufin.nper(rate, pmt, pv, fv, due), PRECISION)\n\n @staticmethod\n def rate(nper, pmt, pv, fv=0, due=0):\n \"\"\"\u5229\u7387 I\/Y\"\"\"\n return round(nufin.rate(nper, pmt, pv, fv, due), PRECISION)\n\n @staticmethod\n def compound_rate(nominal_rate, periods):\n \"\"\"\u540d\u4e49\u2192\u5b9e\u9645\u5229\u7387 EAR\"\"\"\n return round((1 + nominal_rate\/periods)**periods - 1, PRECISION)\n\ntvm = TVMCalculator()\n<\/code><\/pre>\n\n\n\n4. core\/cashflow.py\uff08NPV\/IRR\/MIRR \u5185\u6838\uff09<\/h3>\n\n\n\n
import numpy_financial as nufin\nimport numpy as np\nfrom config.settings import PRECISION\n\nclass CashFlowCalculator:\n @staticmethod\n def npv(rate, cashflows):\n \"\"\"\u51c0\u73b0\u503c NPV\uff08\u652f\u6301\u65e0\u9650\u73b0\u91d1\u6d41\uff09\"\"\"\n return round(nufin.npv(rate, cashflows), PRECISION)\n\n @staticmethod\n def irr(cashflows):\n \"\"\"\u5185\u90e8\u6536\u76ca\u7387 IRR\"\"\"\n return round(nufin.irr(cashflows), PRECISION)\n\n @staticmethod\n def mirr(cashflows, rate, reinvest_rate=None):\n \"\"\"\u4fee\u6b63\u5185\u90e8\u6536\u76ca\u7387 MIRR\"\"\"\n if reinvest_rate is None:\n reinvest_rate = rate\n return round(nufin.mirr(cashflows, rate, reinvest_rate), PRECISION)\n\n @staticmethod\n def payback(cashflows):\n \"\"\"\u56de\u6536\u671f\"\"\"\n cum = np.cumsum(cashflows)\n for i, val in enumerate(cum):\n if val >= 0:\n return round(i + 1 - cum[i-1]\/cashflows[i], PRECISION) if i>0 else 0\n return None\n\ncf = CashFlowCalculator()\n<\/code><\/pre>\n\n\n\n5. core\/bond.py\uff08\u503a\u5238 \/ \u4e45\u671f \/ \u51f8\u6027\uff09<\/h3>\n\n\n\n
import numpy as np\nfrom config.settings import PRECISION\n\nclass BondCalculator:\n @staticmethod\n def bond_price(face, coupon_rate, ytm, years, freq=2):\n \"\"\"\u503a\u5238\u5b9a\u4ef7\"\"\"\n coupon = face * coupon_rate \/ freq\n periods = years * freq\n price = 0\n for t in range(1, periods+1):\n price += coupon \/ (1 + ytm\/freq)**t\n price += face \/ (1 + ytm\/freq)**periods\n return round(price, PRECISION)\n\n @staticmethod\n def modified_duration(face, coupon_rate, ytm, years, freq=2):\n \"\"\"\u4fee\u6b63\u4e45\u671f\"\"\"\n coupon = face * coupon_rate \/ freq\n periods = years * freq\n dur = 0\n for t in range(1, periods+1):\n pv = coupon \/ (1 + ytm\/freq)**t\n dur += t * pv\n dur += periods * face \/ (1 + ytm\/freq)**periods\n price = BondCalculator.bond_price(face, coupon_rate, ytm, years, freq)\n return round(dur \/ price \/ freq, PRECISION)\n\nbond = BondCalculator()\n<\/code><\/pre>\n\n\n\n6. core\/risk_metrics.py\uff08\u98ce\u63a7 \/ \u91cf\u5316\u6307\u6807\uff09<\/h3>\n\n\n\n
import numpy as np\nfrom config.settings import PRECISION\n\nclass RiskCalculator:\n @staticmethod\n def sharpe_ratio(returns, risk_free=0.03):\n \"\"\"\u590f\u666e\u6bd4\u7387\"\"\"\n mean_ret = np.mean(returns)\n std_ret = np.std(returns)\n return round((mean_ret - risk_free) \/ std_ret * np.sqrt(252), PRECISION)\n\n @staticmethod\n def max_drawdown(prices):\n \"\"\"\u6700\u5927\u56de\u64a4\"\"\"\n peak = np.maximum.accumulate(prices)\n drawdown = (prices - peak) \/ peak\n return round(np.min(drawdown), PRECISION)\n\n @staticmethod\n def volatility(returns, annual=252):\n \"\"\"\u5e74\u5316\u6ce2\u52a8\u7387\"\"\"\n return round(np.std(returns) * np.sqrt(annual), PRECISION)\n\nrisk = RiskCalculator()\n<\/code><\/pre>\n\n\n\n7. api\/route.py\uff08FastAPI \u63a5\u53e3 + OpenClaw \u5bf9\u63a5\uff09<\/h3>\n\n\n\n
from fastapi import FastAPI, Query\nfrom core.tvm import tvm\nfrom core.cashflow import cf\nfrom core.bond import bond\nfrom core.risk_metrics import risk\n\napp = FastAPI(title=\"Financial Calculator Pro \u2014 \u9ad8\u7ea7\u91d1\u878d\u8ba1\u7b97\u5668\")\n\n# TVM\n@app.get(\"\/tvm\/pv\")\ndef pv(rate: float, nper: int, pmt: float, fv: float=0):\n return {\"pv\": tvm.pv(rate, nper, pmt, fv)}\n\n@app.get(\"\/tvm\/fv\")\ndef fv(rate: float, nper: int, pmt: float, pv: float=0):\n return {\"fv\": tvm.fv(rate, nper, pmt, pv)}\n\n# \u73b0\u91d1\u6d41\n@app.get(\"\/cashflow\/npv\")\ndef npv(rate: float, cashflows: str):\n cf_list = [float(x) for x in cashflows.split(\",\")]\n return {\"npv\": cf.npv(rate, cf_list)}\n\n@app.get(\"\/cashflow\/irr\")\ndef irr(cashflows: str):\n cf_list = [float(x) for x in cashflows.split(\",\")]\n return {\"irr\": cf.irr(cf_list)}\n\n# \u503a\u5238\n@app.get(\"\/bond\/price\")\ndef bond_price(face: float=1000, coupon: float=0.05, ytm: float=0.06, years: int=10):\n return {\"price\": bond.bond_price(face, coupon, ytm, years)}\n\n# \u98ce\u63a7\n@app.get(\"\/risk\/sharpe\")\ndef sharpe(returns: str, rf: float=0.03):\n ret_list = [float(x) for x in returns.split(\",\")]\n return {\"sharpe\": risk.sharpe_ratio(ret_list, rf)}\n\n@app.get(\"\/health\")\ndef health():\n return {\"service\": \"Financial Calculator Pro\", \"status\": \"running\"}\n<\/code><\/pre>\n\n\n\n8. cli\/calculate.py\uff08\u547d\u4ee4\u884c\u6781\u901f\u8ba1\u7b97\uff09<\/h3>\n\n\n\n
import argparse\nfrom core.tvm import tvm\nfrom core.cashflow import cf\n\nparser = argparse.ArgumentParser(description=\"Financial Calculator Pro CLI\")\nparser.add_argument(\"func\", choices=[\"pv\",\"fv\",\"pmt\",\"npv\",\"irr\"])\nparser.add_argument(\"args\", nargs=\"*\", type=float)\n\nif __name__ == \"__main__\":\n args = parser.parse_args()\n if args.func == \"pv\":\n print(tvm.pv(*args.args))\n elif args.func == \"fv\":\n print(tvm.fv(*args.args))\n elif args.func == \"npv\":\n print(cf.npv(args.args[0], args.args[1:]))\n elif args.func == \"irr\":\n print(cf.irr(args.args))\n<\/code><\/pre>\n\n\n\n9. web\/app.py\uff08Streamlit Web \u4ea4\u4e92\u5f0f\u754c\u9762\uff09<\/h3>\n\n\n\n
import streamlit as st\nfrom core.tvm import tvm\nfrom core.cashflow import cf\nfrom core.bond import bond\n\nst.set_page_config(page_title=\"Financial Calculator Pro\", layout=\"wide\")\nst.title(\"\ud83d\udcb0 Financial Calculator Pro \u2014 \u9ad8\u7ea7\u91d1\u878d\u8ba1\u7b97\u5668\")\n\ntab1, tab2, tab3, tab4 = st.tabs([\"TVM\u8d27\u5e01\u65f6\u95f4\u4ef7\u503c\",\"\u73b0\u91d1\u6d41NPV\/IRR\",\"\u503a\u5238\u5b9a\u4ef7\",\"\u98ce\u63a7\u6307\u6807\"])\n\nwith tab1:\n st.subheader(\"TVM \u73b0\u503c\/\u7ec8\u503c\/\u5e74\u91d1\")\n col1,col2=st.columns(2)\n rate=col1.number_input(\"\u5e74\u5229\u7387\",0.0,1.0,0.05)\n nper=col2.number_input(\"\u671f\u6570\",1,100,10)\n pmt=col1.number_input(\"\u5e74\u91d1\",0.0,1000000.0,1000.0)\n pv=col2.number_input(\"\u73b0\u503c\",0.0,1000000.0,0.0)\n if st.button(\"\u8ba1\u7b97 FV\"):\n st.success(f\"\u7ec8\u503c FV = {tvm.fv(rate,nper,pmt,pv):.6f}\")\n\nwith tab2:\n st.subheader(\"\u73b0\u91d1\u6d41 NPV\/IRR\")\n rate=st.number_input(\"\u6298\u73b0\u7387\",0.0,1.0,0.05)\n cashflows=st.text_input(\"\u73b0\u91d1\u6d41(\u9017\u53f7\u5206\u9694)\", \"-1000,200,300,400,500\")\n cf_list=[float(x) for x in cashflows.split(\",\")]\n if st.button(\"\u8ba1\u7b97 NPV\/IRR\"):\n st.success(f\"NPV = {cf.npv(rate,cf_list):.6f} | IRR = {cf.irr(cf_list):.6f}\")\n\nwith tab3:\n st.subheader(\"\u503a\u5238\u5b9a\u4ef7\")\n face=st.number_input(\"\u9762\u503c\",100,10000,1000)\n coupon=st.number_input(\"\u7968\u9762\u5229\u7387\",0.0,1.0,0.05)\n ytm=st.number_input(\"\u5230\u671f\u6536\u76ca\u7387\",0.0,1.0,0.06)\n years=st.number_input(\"\u671f\u9650\",1,30,10)\n if st.button(\"\u8ba1\u7b97\u503a\u5238\u4ef7\u683c\"):\n st.success(f\"\u503a\u5238\u4ef7\u683c = {bond.bond_price(face,coupon,ytm,years):.6f}\")\n<\/code><\/pre>\n\n\n\n10. main.py\uff08\u9879\u76ee\u5165\u53e3\uff09<\/h3>\n\n\n\n
import uvicorn\nfrom api.route import app\nfrom config.settings import API_HOST, API_PORT\nfrom utils.logger import get_logger\n\nlogger = get_logger()\n\nif __name__ == \"__main__\":\n logger.info(\"Financial Calculator Pro \u542f\u52a8\u6210\u529f\")\n uvicorn.run(app, host=API_HOST, port=API_PORT)\n<\/code><\/pre>\n\n\n\n\u516d\u3001\u7279\u8272\u6539\u9020\u843d\u5730\u8bf4\u660e<\/h3>\n\n\n\n
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\u4e03\u3001\u4f7f\u7528\u793a\u4f8b<\/h3>\n\n\n\n
1. \u542f\u52a8\u670d\u52a1<\/h3>\n\n\n\n
python main.py\n# Web: http:\/\/127.0.0.1:8501\n# API: http:\/\/127.0.0.1:8110\n<\/code><\/pre>\n\n\n\n2. CLI \u547d\u4ee4\u884c<\/h3>\n\n\n\n
# \u8ba1\u7b97FV\npython cli\/calculate.py fv 0.05 10 1000\n# \u8ba1\u7b97NPV\npython cli\/calculate.py npv 0.05 -1000 200 300 400 500\n<\/code><\/pre>\n\n\n\n3. API \u8c03\u7528<\/h3>\n\n\n\n
http://127.0.0.1:8110\/tvm\/fv?rate=0.05&nper=10&pmt=1000\n<\/code><\/pre>\n\n\n\n\u516b\u3001\u4e8c\u6b21\u5f00\u53d1\u62d3\u5c55\u65b9\u5411<\/h3>\n\n\n\n
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