期数 |
等额本息 |
等额本金 |
金额 |
本金 |
利息 |
累计本金 |
累计利息 |
金额 |
本金 |
利息 |
累计本金 |
累计支利息 |
第1年 |
1 |
38730.93 |
24825.93 |
13905.00 |
24825.93 |
13905.00 |
45117.12 |
31212.12 |
13905.00 |
31212.12 |
13905.00 |
2 |
38730.93 |
24909.71 |
13821.21 |
49735.64 |
27726.21 |
45011.78 |
31212.12 |
13799.66 |
62424.24 |
27704.66 |
3 |
38730.93 |
24993.78 |
13737.14 |
74729.42 |
41463.35 |
44906.44 |
31212.12 |
13694.32 |
93636.36 |
41398.98 |
4 |
38730.93 |
25078.14 |
13652.79 |
99807.56 |
55116.14 |
44801.10 |
31212.12 |
13588.98 |
124848.48 |
54987.95 |
5 |
38730.93 |
25162.78 |
13568.15 |
124970.33 |
68684.29 |
44695.76 |
31212.12 |
13483.64 |
156060.61 |
68471.59 |
6 |
38730.93 |
25247.70 |
13483.23 |
150218.03 |
82167.52 |
44590.42 |
31212.12 |
13378.30 |
187272.73 |
81849.89 |
7 |
38730.93 |
25332.91 |
13398.01 |
175550.94 |
95565.53 |
44485.08 |
31212.12 |
13272.95 |
218484.85 |
95122.84 |
8 |
38730.93 |
25418.41 |
13312.52 |
200969.35 |
108878.05 |
44379.73 |
31212.12 |
13167.61 |
249696.97 |
108290.45 |
9 |
38730.93 |
25504.20 |
13226.73 |
226473.55 |
122104.78 |
44274.39 |
31212.12 |
13062.27 |
280909.09 |
121352.73 |
10 |
38730.93 |
25590.27 |
13140.65 |
252063.82 |
135245.43 |
44169.05 |
31212.12 |
12956.93 |
312121.21 |
134309.66 |
11 |
38730.93 |
25676.64 |
13054.28 |
277740.46 |
148299.71 |
44063.71 |
31212.12 |
12851.59 |
343333.33 |
147161.25 |
12 |
38730.93 |
25763.30 |
12967.63 |
303503.76 |
161267.34 |
43958.37 |
31212.12 |
12746.25 |
374545.45 |
159907.50 |
第2年 |
13 |
38730.93 |
25850.25 |
12880.67 |
329354.01 |
174148.01 |
43853.03 |
31212.12 |
12640.91 |
405757.58 |
172548.41 |
14 |
38730.93 |
25937.49 |
12793.43 |
355291.51 |
186941.44 |
43747.69 |
31212.12 |
12535.57 |
436969.70 |
185083.98 |
15 |
38730.93 |
26025.03 |
12705.89 |
381316.54 |
199647.33 |
43642.35 |
31212.12 |
12430.23 |
468181.82 |
197514.20 |
16 |
38730.93 |
26112.87 |
12618.06 |
407429.41 |
212265.39 |
43537.01 |
31212.12 |
12324.89 |
499393.94 |
209839.09 |
17 |
38730.93 |
26201.00 |
12529.93 |
433630.41 |
224795.32 |
43431.67 |
31212.12 |
12219.55 |
530606.06 |
222058.64 |
18 |
38730.93 |
26289.43 |
12441.50 |
459919.84 |
237236.81 |
43326.33 |
31212.12 |
12114.20 |
561818.18 |
234172.84 |
19 |
38730.93 |
26378.15 |
12352.77 |
486297.99 |
249589.58 |
43220.98 |
31212.12 |
12008.86 |
593030.30 |
246181.70 |
20 |
38730.93 |
26467.18 |
12263.74 |
512765.17 |
261853.33 |
43115.64 |
31212.12 |
11903.52 |
624242.42 |
258085.23 |
21 |
38730.93 |
26556.51 |
12174.42 |
539321.68 |
274027.75 |
43010.30 |
31212.12 |
11798.18 |
655454.55 |
269883.41 |
22 |
38730.93 |
26646.14 |
12084.79 |
565967.82 |
286112.54 |
42904.96 |
31212.12 |
11692.84 |
686666.67 |
281576.25 |
23 |
38730.93 |
26736.07 |
11994.86 |
592703.88 |
298107.39 |
42799.62 |
31212.12 |
11587.50 |
717878.79 |
293163.75 |
24 |
38730.93 |
26826.30 |
11904.62 |
619530.18 |
310012.02 |
42694.28 |
31212.12 |
11482.16 |
749090.91 |
304645.91 |
第3年 |
25 |
38730.93 |
26916.84 |
11814.09 |
646447.02 |
321826.10 |
42588.94 |
31212.12 |
11376.82 |
780303.03 |
316022.73 |
26 |
38730.93 |
27007.68 |
11723.24 |
673454.71 |
333549.35 |
42483.60 |
31212.12 |
11271.48 |
811515.15 |
327294.20 |
27 |
38730.93 |
27098.83 |
11632.09 |
700553.54 |
345181.44 |
42378.26 |
31212.12 |
11166.14 |
842727.27 |
338460.34 |
28 |
38730.93 |
27190.29 |
11540.63 |
727743.83 |
356722.07 |
42272.92 |
31212.12 |
11060.80 |
873939.39 |
349521.14 |
29 |
38730.93 |
27282.06 |
11448.86 |
755025.89 |
368170.93 |
42167.58 |
31212.12 |
10955.45 |
905151.52 |
360476.59 |
30 |
38730.93 |
27374.14 |
11356.79 |
782400.03 |
379527.72 |
42062.23 |
31212.12 |
10850.11 |
936363.64 |
371326.70 |
31 |
38730.93 |
27466.53 |
11264.40 |
809866.56 |
390792.12 |
41956.89 |
31212.12 |
10744.77 |
967575.76 |
382071.48 |
32 |
38730.93 |
27559.22 |
11171.70 |
837425.78 |
401963.82 |
41851.55 |
31212.12 |
10639.43 |
998787.88 |
392710.91 |
33 |
38730.93 |
27652.24 |
11078.69 |
865078.02 |
413042.51 |
41746.21 |
31212.12 |
10534.09 |
1030000.00 |
403245.00 |
34 |
38730.93 |
27745.56 |
10985.36 |
892823.58 |
424027.87 |
41640.87 |
31212.12 |
10428.75 |
1061212.12 |
413673.75 |
35 |
38730.93 |
27839.20 |
10891.72 |
920662.79 |
434919.59 |
41535.53 |
31212.12 |
10323.41 |
1092424.24 |
423997.16 |
36 |
38730.93 |
27933.16 |
10797.76 |
948595.95 |
445717.35 |
41430.19 |
31212.12 |
10218.07 |
1123636.36 |
434215.23 |
第4年 |
37 |
38730.93 |
28027.44 |
10703.49 |
976623.38 |
456420.84 |
41324.85 |
31212.12 |
10112.73 |
1154848.48 |
444327.95 |
38 |
38730.93 |
28122.03 |
10608.90 |
1004745.41 |
467029.74 |
41219.51 |
31212.12 |
10007.39 |
1186060.61 |
454335.34 |
39 |
38730.93 |
28216.94 |
10513.98 |
1032962.35 |
477543.72 |
41114.17 |
31212.12 |
9902.05 |
1217272.73 |
464237.39 |
40 |
38730.93 |
28312.17 |
10418.75 |
1061274.53 |
487962.47 |
41008.83 |
31212.12 |
9796.70 |
1248484.85 |
474034.09 |
41 |
38730.93 |
28407.73 |
10323.20 |
1089682.25 |
498285.67 |
40903.48 |
31212.12 |
9691.36 |
1279696.97 |
483725.45 |
42 |
38730.93 |
28503.60 |
10227.32 |
1118185.86 |
508513.00 |
40798.14 |
31212.12 |
9586.02 |
1310909.09 |
493311.48 |
43 |
38730.93 |
28599.80 |
10131.12 |
1146785.66 |
518644.12 |
40692.80 |
31212.12 |
9480.68 |
1342121.21 |
502792.16 |
44 |
38730.93 |
28696.33 |
10034.60 |
1175481.99 |
528678.72 |
40587.46 |
31212.12 |
9375.34 |
1373333.33 |
512167.50 |
45 |
38730.93 |
28793.18 |
9937.75 |
1204275.16 |
538616.46 |
40482.12 |
31212.12 |
9270.00 |
1404545.45 |
521437.50 |
46 |
38730.93 |
28890.35 |
9840.57 |
1233165.52 |
548457.04 |
40376.78 |
31212.12 |
9164.66 |
1435757.58 |
530602.16 |
47 |
38730.93 |
28987.86 |
9743.07 |
1262153.37 |
558200.10 |
40271.44 |
31212.12 |
9059.32 |
1466969.70 |
539661.48 |
48 |
38730.93 |
29085.69 |
9645.23 |
1291239.07 |
567845.33 |
40166.10 |
31212.12 |
8953.98 |
1498181.82 |
548615.45 |
第5年 |
49 |
38730.93 |
29183.86 |
9547.07 |
1320422.92 |
577392.40 |
40060.76 |
31212.12 |
8848.64 |
1529393.94 |
557464.09 |
50 |
38730.93 |
29282.35 |
9448.57 |
1349705.28 |
586840.98 |
39955.42 |
31212.12 |
8743.30 |
1560606.06 |
566207.39 |
51 |
38730.93 |
29381.18 |
9349.74 |
1379086.46 |
596190.72 |
39850.08 |
31212.12 |
8637.95 |
1591818.18 |
574845.34 |
52 |
38730.93 |
29480.34 |
9250.58 |
1408566.80 |
605441.30 |
39744.73 |
31212.12 |
8532.61 |
1623030.30 |
583377.95 |
53 |
38730.93 |
29579.84 |
9151.09 |
1438146.64 |
614592.39 |
39639.39 |
31212.12 |
8427.27 |
1654242.42 |
591805.23 |
54 |
38730.93 |
29679.67 |
9051.26 |
1467826.31 |
623643.65 |
39534.05 |
31212.12 |
8321.93 |
1685454.55 |
600127.16 |
55 |
38730.93 |
29779.84 |
8951.09 |
1497606.14 |
632594.73 |
39428.71 |
31212.12 |
8216.59 |
1716666.67 |
608343.75 |
56 |
38730.93 |
29880.35 |
8850.58 |
1527486.49 |
641445.31 |
39323.37 |
31212.12 |
8111.25 |
1747878.79 |
616455.00 |
57 |
38730.93 |
29981.19 |
8749.73 |
1557467.68 |
650195.04 |
39218.03 |
31212.12 |
8005.91 |
1779090.91 |
624460.91 |
58 |
38730.93 |
30082.38 |
8648.55 |
1587550.06 |
658843.59 |
39112.69 |
31212.12 |
7900.57 |
1810303.03 |
632361.48 |
59 |
38730.93 |
30183.91 |
8547.02 |
1617733.97 |
667390.61 |
39007.35 |
31212.12 |
7795.23 |
1841515.15 |
640156.70 |
60 |
38730.93 |
30285.78 |
8445.15 |
1648019.74 |
675835.76 |
38902.01 |
31212.12 |
7689.89 |
1872727.27 |
647846.59 |
第6年 |
61 |
38730.93 |
30387.99 |
8342.93 |
1678407.74 |
684178.69 |
38796.67 |
31212.12 |
7584.55 |
1903939.39 |
655431.14 |
62 |
38730.93 |
30490.55 |
8240.37 |
1708898.29 |
692419.06 |
38691.33 |
31212.12 |
7479.20 |
1935151.52 |
662910.34 |
63 |
38730.93 |
30593.46 |
8137.47 |
1739491.74 |
700556.53 |
38585.98 |
31212.12 |
7373.86 |
1966363.64 |
670284.20 |
64 |
38730.93 |
30696.71 |
8034.22 |
1770188.45 |
708590.75 |
38480.64 |
31212.12 |
7268.52 |
1997575.76 |
677552.73 |
65 |
38730.93 |
30800.31 |
7930.61 |
1800988.77 |
716521.36 |
38375.30 |
31212.12 |
7163.18 |
2028787.88 |
684715.91 |
66 |
38730.93 |
30904.26 |
7826.66 |
1831893.03 |
724348.03 |
38269.96 |
31212.12 |
7057.84 |
2060000.00 |
691773.75 |
67 |
38730.93 |
31008.56 |
7722.36 |
1862901.59 |
732070.39 |
38164.62 |
31212.12 |
6952.50 |
2091212.12 |
698726.25 |
68 |
38730.93 |
31113.22 |
7617.71 |
1894014.81 |
739688.09 |
38059.28 |
31212.12 |
6847.16 |
2122424.24 |
705573.41 |
69 |
38730.93 |
31218.23 |
7512.70 |
1925233.03 |
747200.79 |
37953.94 |
31212.12 |
6741.82 |
2153636.36 |
712315.23 |
70 |
38730.93 |
31323.59 |
7407.34 |
1956556.62 |
754608.13 |
37848.60 |
31212.12 |
6636.48 |
2184848.48 |
718951.70 |
71 |
38730.93 |
31429.30 |
7301.62 |
1987985.92 |
761909.75 |
37743.26 |
31212.12 |
6531.14 |
2216060.61 |
725482.84 |
72 |
38730.93 |
31535.38 |
7195.55 |
2019521.30 |
769105.30 |
37637.92 |
31212.12 |
6425.80 |
2247272.73 |
731908.64 |
第7年 |
73 |
38730.93 |
31641.81 |
7089.12 |
2051163.11 |
776194.42 |
37532.58 |
31212.12 |
6320.45 |
2278484.85 |
738229.09 |
74 |
38730.93 |
31748.60 |
6982.32 |
2082911.71 |
783176.74 |
37427.23 |
31212.12 |
6215.11 |
2309696.97 |
744444.20 |
75 |
38730.93 |
31855.75 |
6875.17 |
2114767.46 |
790051.91 |
37321.89 |
31212.12 |
6109.77 |
2340909.09 |
750553.98 |
76 |
38730.93 |
31963.27 |
6767.66 |
2146730.73 |
796819.57 |
37216.55 |
31212.12 |
6004.43 |
2372121.21 |
756558.41 |
77 |
38730.93 |
32071.14 |
6659.78 |
2178801.87 |
803479.36 |
37111.21 |
31212.12 |
5899.09 |
2403333.33 |
762457.50 |
78 |
38730.93 |
32179.38 |
6551.54 |
2210981.25 |
810030.90 |
37005.87 |
31212.12 |
5793.75 |
2434545.45 |
768251.25 |
79 |
38730.93 |
32287.99 |
6442.94 |
2243269.24 |
816473.84 |
36900.53 |
31212.12 |
5688.41 |
2465757.58 |
773939.66 |
80 |
38730.93 |
32396.96 |
6333.97 |
2275666.20 |
822807.81 |
36795.19 |
31212.12 |
5583.07 |
2496969.70 |
779522.73 |
81 |
38730.93 |
32506.30 |
6224.63 |
2308172.50 |
829032.43 |
36689.85 |
31212.12 |
5477.73 |
2528181.82 |
785000.45 |
82 |
38730.93 |
32616.01 |
6114.92 |
2340788.50 |
835147.35 |
36584.51 |
31212.12 |
5372.39 |
2559393.94 |
790372.84 |
83 |
38730.93 |
32726.09 |
6004.84 |
2373514.59 |
841152.19 |
36479.17 |
31212.12 |
5267.05 |
2590606.06 |
795639.89 |
84 |
38730.93 |
32836.54 |
5894.39 |
2406351.13 |
847046.58 |
36373.83 |
31212.12 |
5161.70 |
2621818.18 |
800801.59 |
第8年 |
85 |
38730.93 |
32947.36 |
5783.56 |
2439298.49 |
852830.14 |
36268.48 |
31212.12 |
5056.36 |
2653030.30 |
805857.95 |
86 |
38730.93 |
33058.56 |
5672.37 |
2472357.04 |
858502.51 |
36163.14 |
31212.12 |
4951.02 |
2684242.42 |
810808.98 |
87 |
38730.93 |
33170.13 |
5560.79 |
2505527.17 |
864063.30 |
36057.80 |
31212.12 |
4845.68 |
2715454.55 |
815654.66 |
88 |
38730.93 |
33282.08 |
5448.85 |
2538809.25 |
869512.15 |
35952.46 |
31212.12 |
4740.34 |
2746666.67 |
820395.00 |
89 |
38730.93 |
33394.41 |
5336.52 |
2572203.66 |
874848.67 |
35847.12 |
31212.12 |
4635.00 |
2777878.79 |
825030.00 |
90 |
38730.93 |
33507.11 |
5223.81 |
2605710.77 |
880072.48 |
35741.78 |
31212.12 |
4529.66 |
2809090.91 |
829559.66 |
91 |
38730.93 |
33620.20 |
5110.73 |
2639330.97 |
885183.21 |
35636.44 |
31212.12 |
4424.32 |
2840303.03 |
833983.98 |
92 |
38730.93 |
33733.67 |
4997.26 |
2673064.64 |
890180.47 |
35531.10 |
31212.12 |
4318.98 |
2871515.15 |
838302.95 |
93 |
38730.93 |
33847.52 |
4883.41 |
2706912.16 |
895063.87 |
35425.76 |
31212.12 |
4213.64 |
2902727.27 |
842516.59 |
94 |
38730.93 |
33961.75 |
4769.17 |
2740873.91 |
899833.04 |
35320.42 |
31212.12 |
4108.30 |
2933939.39 |
846624.89 |
95 |
38730.93 |
34076.37 |
4654.55 |
2774950.28 |
904487.59 |
35215.08 |
31212.12 |
4002.95 |
2965151.52 |
850627.84 |
96 |
38730.93 |
34191.38 |
4539.54 |
2809141.67 |
909027.14 |
35109.73 |
31212.12 |
3897.61 |
2996363.64 |
854525.45 |
第9年 |
97 |
38730.93 |
34306.78 |
4424.15 |
2843448.44 |
913451.28 |
35004.39 |
31212.12 |
3792.27 |
3027575.76 |
858317.73 |
98 |
38730.93 |
34422.56 |
4308.36 |
2877871.01 |
917759.65 |
34899.05 |
31212.12 |
3686.93 |
3058787.88 |
862004.66 |
99 |
38730.93 |
34538.74 |
4192.19 |
2912409.75 |
921951.83 |
34793.71 |
31212.12 |
3581.59 |
3090000.00 |
865586.25 |
100 |
38730.93 |
34655.31 |
4075.62 |
2947065.05 |
926027.45 |
34688.37 |
31212.12 |
3476.25 |
3121212.12 |
869062.50 |
101 |
38730.93 |
34772.27 |
3958.66 |
2981837.32 |
929986.10 |
34583.03 |
31212.12 |
3370.91 |
3152424.24 |
872433.41 |
102 |
38730.93 |
34889.63 |
3841.30 |
3016726.95 |
933827.40 |
34477.69 |
31212.12 |
3265.57 |
3183636.36 |
875698.98 |
103 |
38730.93 |
35007.38 |
3723.55 |
3051734.33 |
937550.95 |
34372.35 |
31212.12 |
3160.23 |
3214848.48 |
878859.20 |
104 |
38730.93 |
35125.53 |
3605.40 |
3086859.86 |
941156.35 |
34267.01 |
31212.12 |
3054.89 |
3246060.61 |
881914.09 |
105 |
38730.93 |
35244.08 |
3486.85 |
3122103.93 |
944643.19 |
34161.67 |
31212.12 |
2949.55 |
3277272.73 |
884863.64 |
106 |
38730.93 |
35363.03 |
3367.90 |
3157466.96 |
948011.09 |
34056.33 |
31212.12 |
2844.20 |
3308484.85 |
887707.84 |
107 |
38730.93 |
35482.38 |
3248.55 |
3192949.34 |
951259.64 |
33950.98 |
31212.12 |
2738.86 |
3339696.97 |
890446.70 |
108 |
38730.93 |
35602.13 |
3128.80 |
3228551.47 |
954388.44 |
33845.64 |
31212.12 |
2633.52 |
3370909.09 |
893080.23 |
第10年 |
109 |
38730.93 |
35722.29 |
3008.64 |
3264273.75 |
957397.08 |
33740.30 |
31212.12 |
2528.18 |
3402121.21 |
895608.41 |
110 |
38730.93 |
35842.85 |
2888.08 |
3300116.60 |
960285.15 |
33634.96 |
31212.12 |
2422.84 |
3433333.33 |
898031.25 |
111 |
38730.93 |
35963.82 |
2767.11 |
3336080.42 |
963052.26 |
33529.62 |
31212.12 |
2317.50 |
3464545.45 |
900348.75 |
112 |
38730.93 |
36085.20 |
2645.73 |
3372165.62 |
965697.99 |
33424.28 |
31212.12 |
2212.16 |
3495757.58 |
902560.91 |
113 |
38730.93 |
36206.98 |
2523.94 |
3408372.60 |
968221.93 |
33318.94 |
31212.12 |
2106.82 |
3526969.70 |
904667.73 |
114 |
38730.93 |
36329.18 |
2401.74 |
3444701.78 |
970623.67 |
33213.60 |
31212.12 |
2001.48 |
3558181.82 |
906669.20 |
115 |
38730.93 |
36451.79 |
2279.13 |
3481153.58 |
972902.80 |
33108.26 |
31212.12 |
1896.14 |
3589393.94 |
908565.34 |
116 |
38730.93 |
36574.82 |
2156.11 |
3517728.39 |
975058.91 |
33002.92 |
31212.12 |
1790.80 |
3620606.06 |
910356.14 |
117 |
38730.93 |
36698.26 |
2032.67 |
3554426.65 |
977091.58 |
32897.58 |
31212.12 |
1685.45 |
3651818.18 |
912041.59 |
118 |
38730.93 |
36822.11 |
1908.81 |
3591248.77 |
979000.39 |
32792.23 |
31212.12 |
1580.11 |
3683030.30 |
913621.70 |
119 |
38730.93 |
36946.39 |
1784.54 |
3628195.16 |
980784.92 |
32686.89 |
31212.12 |
1474.77 |
3714242.42 |
915096.48 |
120 |
38730.93 |
37071.08 |
1659.84 |
3665266.24 |
982444.76 |
32581.55 |
31212.12 |
1369.43 |
3745454.55 |
916465.91 |
第11年 |
121 |
38730.93 |
37196.20 |
1534.73 |
3702462.44 |
983979.49 |
32476.21 |
31212.12 |
1264.09 |
3776666.67 |
917730.00 |
122 |
38730.93 |
37321.74 |
1409.19 |
3739784.17 |
985388.68 |
32370.87 |
31212.12 |
1158.75 |
3807878.79 |
918888.75 |
123 |
38730.93 |
37447.70 |
1283.23 |
3777231.87 |
986671.91 |
32265.53 |
31212.12 |
1053.41 |
3839090.91 |
919942.16 |
124 |
38730.93 |
37574.08 |
1156.84 |
3814805.95 |
987828.75 |
32160.19 |
31212.12 |
948.07 |
3870303.03 |
920890.23 |
125 |
38730.93 |
37700.90 |
1030.03 |
3852506.85 |
988858.78 |
32054.85 |
31212.12 |
842.73 |
3901515.15 |
921732.95 |
126 |
38730.93 |
37828.14 |
902.79 |
3890334.98 |
989761.57 |
31949.51 |
31212.12 |
737.39 |
3932727.27 |
922470.34 |
127 |
38730.93 |
37955.81 |
775.12 |
3928290.79 |
990536.69 |
31844.17 |
31212.12 |
632.05 |
3963939.39 |
923102.39 |
128 |
38730.93 |
38083.91 |
647.02 |
3966374.70 |
991183.71 |
31738.83 |
31212.12 |
526.70 |
3995151.52 |
923629.09 |
129 |
38730.93 |
38212.44 |
518.49 |
4004587.14 |
991702.19 |
31633.48 |
31212.12 |
421.36 |
4026363.64 |
924050.45 |
130 |
38730.93 |
38341.41 |
389.52 |
4042928.54 |
992091.71 |
31528.14 |
31212.12 |
316.02 |
4057575.76 |
924366.48 |
131 |
38730.93 |
38470.81 |
260.12 |
4081399.35 |
992351.83 |
31422.80 |
31212.12 |
210.68 |
4088787.88 |
924577.16 |
132 |
38730.93 |
38600.65 |
130.28 |
4120000.00 |
992482.10 |
31317.46 |
31212.12 |
105.34 |
4120000.00 |
924682.50 |
汇总:
|
等额本息
总利息:992482.10元 总还款:5112482.10元
|
等额本金
总利息:924682.50元 总还款:5044682.50元
|
年利率为:4.05%,折扣: 不打折,贷款:412.0万,
分132期(11年), 等额本息比等额本金多:67799.60元。
|
注意! 因为实际贷款率每年会变化调整,所以以上数据仅供参考。。