问答题

计算题 W企业从银行借入180万元，年利率10.2%，银行要求企业按贷款额的15%保持补偿性余额。
要求：计算该项贷款的实际利率及企业实际动用的借款。

【参考答案】

该项贷款的实际利率＝10.21%／(1-15%)＝12%
实际动用的借款＝180万元×(1-15%)＝153万元

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