{"id":54132,"date":"2021-06-04T06:45:00","date_gmt":"2021-06-04T06:45:00","guid":{"rendered":"https:\/\/cn.cryptonews.com\/?p=54132"},"modified":"2023-06-26T11:27:07","modified_gmt":"2023-06-26T11:27:07","slug":"apy-and-apr","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/cn\/news\/apy-and-apr\/","title":{"rendered":"\u5e74\u5229\u7387\uff08APR\uff09\u4e0e\u5e74\u6ea2\u7387\uff08APY\uff09"},"content":{"rendered":"<figure class=\"image\"><img decoding=\"async\" src=\"https:\/\/cimg.co\/news\/54132\/18775\/listingforcryptonews.jpeg\" loading=\"auto\" width class=\"content-img\"><\/figure><h2>\u7efc\u8ff0<\/h2><span class=\"replacer\"><\/span><p>\u5e74\u5229\u7387\uff08APR\uff09\u548c \u5e74\u6ea2\u7387\uff08APY\uff09\u88ab\u7528\u4e8eDeFi\u534f\u8bae\u4e2d\u7684\u8bb8\u591a\u6536\u76ca\u589e\u503c\u8ba1\u5212\u3002\u4e0d\u8fc7\uff0c\u5b83\u4eec\u4e24\u8005\u5e76\u4e0d\u662f\u4e00\u56de\u4e8b\uff01\u4f5c\u4e3a\u5e02\u573a\u53c2\u4e0e\u8005\uff0c\u6211\u4eec\u5728\u6295\u8d44\u7684\u540c\u65f6\uff0c\u4e5f\u4f1a\u901a\u8fc7\u589e\u503c\u548c\u8d28\u62bcDeFi\u4ee3\u5e01\u7684\u65b9\u5f0f\u6765\u79ef\u6781\u83b7\u5f97\u66f4\u591a\u6536\u76ca\u3002\u56e0\u6b64\uff0c\u8fd9\u4e9b\u57fa\u672c\u672f\u8bed\u4e0d\u4ec5\u662f\u5f88\u91cd\u8981\u7684\uff0c\u800c\u4e14\u8fd8\u662f\u53ef\u4ee5\u5e2e\u52a9\u4f60\u66f4\u6709\u6548\u5730\u8fdb\u884c\u6295\u8d44\u7684\u4fe1\u606f\u3002<\/p><p>\u4e24\u8005\u90fd\u4e0e\u56de\u62a5\u6709\u5173\u3002\u4f46\u662f\u5b83\u4eec\u6709\u4ec0\u4e48\u4e0d\u540c\u5462\uff1f\u4e3a\u4ec0\u4e48\u5b83\u4eec\u4e0d\u80fd\u4e92\u6362\uff1f\u6211\u4eec\u5c06\u5728\u672c\u671f\u6587\u7ae0\u4e2d\u8ba8\u8bba\u8fd9\u4e2a\u95ee\u9898\u3002<\/p><h2>\u5b9a\u4e49<\/h2><span class=\"replacer\"><\/span><p>APR\u4ee3\u8868\u5e74\u5ea6\u767e\u5206\u6bd4\u7387\uff08Annual Percentage Rate\uff09\u3002\u5b83\u662f\u5b9e\u9645\u7684\u5e74\u56de\u62a5\u7387\uff0c\u4e0d\u8003\u8651\u590d\u5229\u7684\u5f71\u54cd\u3002<\/p><p>APY\u4ee3\u8868\u5e74\u6ea2\u7387\u767e\u5206\u6bd4\uff08Annual Percentage Yield\uff09\u3002\u5b83\u662f\u5b9e\u9645\u7684\u5e74\u6536\u76ca\u7387\uff0c\u8003\u8651\u4e86\u590d\u5229\u7684\u5f71\u54cd\u3002<\/p><p>\u5b83\u4eec\u53ef\u4ee5\u7528\u6765\u505a\u4ec0\u4e48\uff1fAPY\u66f4\u9002\u5408\u8ba1\u7b97\u4f60\u7684\u6295\u8d44\u56de\u62a5\uff0c\u800cAPR\u5728\u8d37\u6b3e\u4e2d\u66f4\u5e38\u89c1\u3002<\/p><blockquote><p>\u6570\u5b66\u9898\uff1a\u4f60\u8ba4\u4e3a\u54ea\u4e00\u4e2a\u6570\u503c\u66f4\u9ad8\uff1f \u5f53\u7136\u662fAPY\uff0c\u8003\u8651\u4e86\u590d\u5229\u7684\u90a3\u4e2a\u6307\u6807\u3002<\/p><\/blockquote><h2>\u5b83\u4eec\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f<\/h2><span class=\"replacer\"><\/span><h3>APR<\/h3><p>\u4f8b\u5982\uff0c\u6536\u76ca\u589e\u503c\u8ba1\u5212\u63d0\u4f9b\u4e86100%\/\u5e74\u7684APR\u3002\u4f60\u6295\u4e861000\u7f8e\u5143\u5230\u8fd9\u4e2a\u8ba1\u5212\u4e0a\u3002\u4e00\u5e74\u540e\uff0c\u4f60\u5c06\u6536\u52302,000\u7f8e\u5143\uff0c\u5176\u4e2d1000\u7f8e\u5143\u662f\u4f60\u7684\u521d\u59cb\u8d44\u672c\uff0c\u53e6\u5916\u76841000\u7f8e\u5143\u5c31\u662f\u4f60\u7684APR\u3002<\/p><p>\u4e00\u65e6\u4f60\u770b\u5230APR\uff0c\u4f60\u5c31\u53ef\u4ee5\u7acb\u5373\u8ba1\u7b97\u51fa\u671f\u672b\u5c06\u83b7\u5f97\u591a\u5c11\u5229\u6da6\u3002\u8fd9\u7b14\u5229\u6da6\u6765\u81ea\u60a8\u7684\u8d28\u62bc\u6216\u589e\u503c\uff0c\u56e0\u6b64\u53ea\u9700\u5728\u5f00\u59cb\u65f6\u52a0\u5165\u5373\u53ef\u83b7\u5f97APR\u5229\u606f\u7684\u7ed3\u679c\u3002<\/p><h3>\u516c\u5f0f<\/h3><p>APR = r x N<\/p><p>\u5176\u4e2d\uff1a<\/p><p>r\uff1a\u5f53\u5e74\u7684\u5229\u7387\uff1b<\/p><p>N\uff1a\u5229\u606f\u671f\uff08N = 1\uff0c\u8868\u793a1\u5e74\uff09\u3002<\/p><h3>APY<\/h3><p>APY\u662f\u53e6\u4e00\u79cd\u8ba1\u7b97\u4f60\u5c06\u83b7\u5f97\u7684\u5b9e\u9645\u5229\u6da6\u767e\u5206\u6bd4\u7684\u65b9\u6cd5\u3002<\/p><blockquote><p>\u5982\u679c\u4f60\u6bcf\u5929\u4ece\u8d28\u62bc\u4e2d\u83b7\u5f97\u5229\u6da6\uff0c\u5e76\u5c06\u5176\u6dfb\u52a0\u5230\u4f60\u7684\u672c\u91d1\u4e2d\u5e76\u6bcf\u5929\u8d5a\u53d6\u5229\u606f\uff0c\u4f60\u4f1a\u5f97\u5230\u591a\u5c11\uff1f<\/p><\/blockquote><p>\u5982\u679c\u4f60\u7684APR\u4e3a100%\/\u5e74\u5e76\u4e14\u6709\u6bcf\u65e5\u5229\u6da6\uff0c\u90a3\u4e48\u60a8\u5fc5\u987b\u5c06\u7528APR\u9664\u4ee5365\u5929\u7684\u65b9\u5f0f\u6765\u8ba1\u7b97\u6bcf\u5929\u6536\u5230\u7684\u5229\u606f (0.27%)\u3002\u7136\u540e\u6bcf\u5929\u4e0d\u65ad\u5730\u518d\u6295\u8d44\u8fd9\u4e2a\u5229\u606f\u3002\u4f60\u5c06\u83b7\u5f97\u7684\u91d1\u989d\u662f2,714.57 \u7f8e\u5143\uff0c\u5176\u4e2d1000\u7f8e\u5143\u662f\u521d\u59cb\u8d44\u672c\uff0c1714.57\u7f8e\u5143\u662f APY\u3002<\/p><p>\u5047\u8bbe\u4f60\u5728\u7d22\u5c14\u5e01\u7684Raydium\u5e94\u7528\u4e0a\u53c2\u4e0e\u4e86\u589e\u503c\u5bf9\uff08Farming Pairs\uff09\uff0c\u6211\u4e5f\u7ed3\u5408Step Finance\u6765\u4e86\u89e3\u8fd9\u4e9b\u4e2a\u589e\u503c\u5bf9\u7684APR\u548cAPY\u3002\u901a\u5e38\u6765\u8bf4\uff0c\u6211\u5c06$RAY\u8d28\u62bc\u5728Raydium\u4e0a\uff08\u5f53\u524d\u9879\u76ee\u7684APR\u4e3a35.33%\uff09\uff0c\u4ece\u5e74\u521d\u5230\u5e74\u5e95\uff0c\u4f60\u75281,000\u7f8e\u5143\u7684\u6295\u8d44\u5f97\u5230\u7684\u603b\u6536\u5165\u5c06\u4e3a1,423.51\u7f8e\u5143\u3002<\/p><h3>\u516c\u5f0f<\/h3><p>APY = (1+r)^n &#8211; 1<\/p><p>\u5176\u4e2d\uff1a<\/p><p>r\uff1a\u5f53\u671f\u5229\u7387\uff1b<\/p><p>n\uff1a\u5229\u606f\u671f\uff08n=1 \u8868\u793a 1 \u5929\uff09\u3002<\/p><h2>\u610f\u8bc6<\/h2><span class=\"replacer\"><\/span><p>\u56e0\u6b64\uff0c\u5f53\u4eca\u7684\u9879\u76ee\u901a\u5e38\u63d0\u4f9bAPR\u548cAPY\u8fd9\u4e24\u4e2a\u6bd4\u7387\uff0c\u4ee5\u5411\u7528\u6237\u5c55\u793a\u5f53\u524d\u53ef\u7528\u7684\u56de\u62a5\u7387\u3002\u4f46\u662f\uff0c\u4e00\u4e9b\u63d0\u4f9b\u6bcf\u65e57\u5929\u5229\u606f\u5468\u671f\u7684\u9879\u76ee\u5c31\u53ea\u662f\u76f4\u63a5\u63d0\u4f9bAPY\u3002\u8fd9\u6709\u4e24\u4e2a\u542b\u4e49\uff1a<\/p><ul><li>\u9996\u5148\uff0c\u5c55\u793aAPY\u4f1a\u6bd4APR\u4ea7\u751f\u66f4\u5927\u7684\u767e\u5206\u6bd4\uff0c\u5b83\u8ba9\u4e00\u4e9b\u6709\u52c7\u6c14\u7684\u4eba\u89c9\u5f97\u4ed6\u4eec\u4f1a\u83b7\u5f97\u66f4\u591a\u7684\u5229\u6da6\u3002<\/li><li>\u5176\u6b21\uff0cAPY\u5229\u606f\u53ea\u6709\u5728\u7528\u6237\u5728\u5141\u8bb8\u7684\u65f6\u95f4\u5185\u6301\u7eed\u8fdb\u884c\u518d\u6295\u8d44\uff08restake\u3001refarm\uff09\uff08\u4f8b\u5982\u6536\u5230\u5956\u52b1\u65f6\uff0c\u7acb\u5373\u8fdb\u884c\u8d28\u62bc\uff09\u624d\u6709\u7528\u3002<\/li><\/ul><p>\u4eca\u5929\uff0c\u6211\u4eec\u770b\u5230\u8bb8\u591aAggregator\u8f6c\u6362\u5668\u534f\u8bae\u5df2\u7ecf\u5728\u4f7f\u7528\u8fd9\u79cd\u80fd\u529b\u6765\u589e\u52a0\u5229\u6da6\uff0c\u5e76\u5728\u539f\u59cb\u534f\u8bae\u7684\u80fd\u529b\u8303\u56f4\u5185\u4e0d\u65ad\u8fdb\u884c\u518d\u6295\u8d44\u3002\u5982\u679c\u5b83\u7684\u4ea4\u6613\u6210\u672c\u4e0d\u9ad8\uff0c\u90a3\u5b83\u5c31\u771f\u7684\u5f88\u4e0d\u9519\u3002\u5e0c\u671b\u6211\u4eec\u53ef\u4ee5\u5728\u7b2c\u4e8c\u5c42\uff08Layer 2\uff09\u4e2d\u627e\u5230\u8fd9\u4e9b\u89e3\u51b3\u65b9\u6848\u3002<\/p><h2>\u672c\u6587\u6982\u8981\uff1a<\/h2><span class=\"replacer\"><\/span><p>\u7406\u89e3APR\u548cAPY\u8fd9\u4e24\u4e2a\u672f\u8bed\u5728\u4eca\u5929\u7684DeFi\u4e2d\u5df2\u7ecf\u53d8\u5f97\u66f4\u52a0\u91cd\u8981\uff0c\u56e0\u4e3a\u51e0\u4e4e\u6240\u6709\u6d89\u53ca\u9ad8\u6536\u76ca\u589e\u503c\u7684\u534f\u8bae\u90fd\u663e\u793a\u8fd9\u4e9b\u6570\u5b57\u3002\u4e86\u89e3\u5b83\u4eec\u4e0d\u4ec5\u662f\u4e3a\u4e86\u7406\u89e3\u548c\u6267\u884c\u4e0d\u540c\u7684\u7b56\u7565\uff0c\u4e5f\u662f\u4e3a\u4e86\u8ba1\u7b97\u5b9e\u9645\u5229\u6da6\u3002<br> <\/p>","protected":false},"excerpt":{"rendered":"<p>\u7efc\u8ff0\u5e74\u5229\u7387\uff08APR\uff09\u548c \u5e74\u6ea2\u7387\uff08APY\uff09\u88ab\u7528\u4e8eDeFi\u534f\u8bae\u4e2d\u7684\u8bb8\u591a\u6536\u76ca\u589e\u503c\u8ba1\u5212\u3002\u4e0d\u8fc7\uff0c\u5b83\u4eec\u4e24\u8005\u5e76\u4e0d\u662f\u4e00\u56de\u4e8b\uff01\u4f5c\u4e3a\u5e02\u573a\u53c2\u4e0e\u8005\uff0c\u6211\u4eec\u5728\u6295\u8d44\u7684\u540c\u65f6\uff0c\u4e5f\u4f1a\u901a\u8fc7\u589e\u503c\u548c\u8d28\u62bcDeFi\u4ee3\u5e01\u7684\u65b9\u5f0f\u6765\u79ef\u6781\u83b7\u5f97\u66f4\u591a\u6536\u76ca\u3002\u56e0\u6b64\uff0c\u8fd9\u4e9b\u57fa\u672c\u672f\u8bed\u4e0d\u4ec5\u662f\u5f88\u91cd\u8981\u7684\uff0c\u800c\u4e14\u8fd8\u662f\u53ef\u4ee5\u5e2e\u52a9\u4f60\u66f4\u6709\u6548\u5730\u8fdb\u884c\u6295\u8d44\u7684\u4fe1\u606f\u3002\u4e24\u8005\u90fd\u4e0e\u56de\u62a5\u6709\u5173\u3002\u4f46\u662f\u5b83\u4eec\u6709\u4ec0\u4e48\u4e0d\u540c\u5462\uff1f\u4e3a\u4ec0\u4e48\u5b83\u4eec\u4e0d\u80fd\u4e92\u6362\uff1f\u6211\u4eec\u5c06\u5728\u672c\u671f\u6587\u7ae0\u4e2d\u8ba8\u8bba\u8fd9\u4e2a\u95ee\u9898\u3002\u5b9a\u4e49APR\u4ee3\u8868\u5e74\u5ea6\u767e\u5206\u6bd4\u7387\uff08Annual Percentage Rate\uff09\u3002\u5b83\u662f\u5b9e\u9645\u7684\u5e74\u56de\u62a5\u7387\uff0c\u4e0d\u8003\u8651\u590d\u5229\u7684\u5f71\u54cd\u3002APY\u4ee3\u8868\u5e74\u6ea2\u7387\u767e\u5206\u6bd4\uff08Annual Percentage Yield\uff09\u3002\u5b83\u662f\u5b9e\u9645\u7684\u5e74\u6536\u76ca\u7387\uff0c\u8003\u8651\u4e86\u590d\u5229\u7684\u5f71\u54cd\u3002\u5b83\u4eec\u53ef\u4ee5\u7528\u6765\u505a\u4ec0\u4e48\uff1fAPY\u66f4\u9002\u5408\u8ba1\u7b97\u4f60\u7684\u6295\u8d44\u56de\u62a5\uff0c\u800cAPR\u5728\u8d37\u6b3e\u4e2d\u66f4\u5e38\u89c1\u3002 \u6570\u5b66\u9898\uff1a\u4f60\u8ba4\u4e3a\u54ea\u4e00\u4e2a\u6570\u503c\u66f4\u9ad8\uff1f \u5f53\u7136\u662fAPY\uff0c\u8003\u8651\u4e86\u590d\u5229\u7684\u90a3\u4e2a\u6307\u6807\u3002 \u5b83\u4eec\u6709\u4ec0\u4e48\u4e0d\u540c\uff1fAPR\u4f8b\u5982\uff0c\u6536\u76ca\u589e\u503c\u8ba1\u5212\u63d0\u4f9b\u4e86100%\/\u5e74\u7684APR\u3002\u4f60\u6295\u4e861000\u7f8e\u5143\u5230\u8fd9\u4e2a\u8ba1\u5212\u4e0a\u3002\u4e00\u5e74\u540e\uff0c\u4f60\u5c06\u6536\u52302,000\u7f8e\u5143\uff0c\u5176\u4e2d1000\u7f8e\u5143\u662f\u4f60\u7684\u521d\u59cb\u8d44\u672c\uff0c\u53e6\u5916\u76841000\u7f8e\u5143\u5c31\u662f\u4f60\u7684APR\u3002\u4e00\u65e6\u4f60\u770b\u5230APR\uff0c\u4f60\u5c31\u53ef\u4ee5\u7acb\u5373\u8ba1\u7b97\u51fa\u671f\u672b\u5c06\u83b7\u5f97\u591a\u5c11\u5229\u6da6\u3002\u8fd9\u7b14\u5229\u6da6\u6765\u81ea\u60a8\u7684\u8d28\u62bc\u6216\u589e\u503c\uff0c\u56e0\u6b64\u53ea\u9700\u5728\u5f00\u59cb\u65f6\u52a0\u5165\u5373\u53ef\u83b7\u5f97APR\u5229\u606f\u7684\u7ed3\u679c\u3002\u516c\u5f0fAPR = r x N\u5176\u4e2d\uff1ar\uff1a\u5f53\u5e74\u7684\u5229\u7387\uff1bN\uff1a\u5229\u606f\u671f\uff08N = 1\uff0c\u8868\u793a1\u5e74\uff09\u3002APYAPY\u662f\u53e6\u4e00\u79cd\u8ba1\u7b97\u4f60\u5c06\u83b7\u5f97\u7684\u5b9e\u9645\u5229\u6da6\u767e\u5206\u6bd4\u7684\u65b9\u6cd5\u3002 \u5982\u679c\u4f60\u6bcf\u5929\u4ece\u8d28\u62bc\u4e2d\u83b7\u5f97\u5229\u6da6\uff0c\u5e76\u5c06\u5176\u6dfb\u52a0\u5230\u4f60\u7684\u672c\u91d1\u4e2d\u5e76\u6bcf\u5929\u8d5a\u53d6\u5229\u606f\uff0c\u4f60\u4f1a\u5f97\u5230\u591a\u5c11\uff1f \u5982\u679c\u4f60\u7684APR\u4e3a100%\/\u5e74\u5e76\u4e14\u6709\u6bcf\u65e5\u5229\u6da6\uff0c\u90a3\u4e48\u60a8\u5fc5\u987b\u5c06\u7528APR\u9664\u4ee5365\u5929\u7684\u65b9\u5f0f\u6765\u8ba1\u7b97\u6bcf\u5929\u6536\u5230\u7684\u5229\u606f (0.27%)\u3002\u7136\u540e\u6bcf\u5929\u4e0d\u65ad\u5730\u518d\u6295\u8d44\u8fd9\u4e2a\u5229\u606f\u3002\u4f60\u5c06\u83b7\u5f97\u7684\u91d1\u989d\u662f2,714.57 \u7f8e\u5143\uff0c\u5176\u4e2d1000\u7f8e\u5143\u662f\u521d\u59cb\u8d44\u672c\uff0c1714.57\u7f8e\u5143\u662f 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