| 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 |
4637.65 |
2082.65 |
2555.00 |
2082.65 |
2555.00 |
5736.82 |
3181.82 |
2555.00 |
3181.82 |
2555.00 |
| 2 |
4637.65 |
2095.32 |
2542.33 |
4177.96 |
5097.33 |
5717.46 |
3181.82 |
2535.64 |
6363.64 |
5090.64 |
| 3 |
4637.65 |
2108.06 |
2529.58 |
6286.03 |
7626.91 |
5698.11 |
3181.82 |
2516.29 |
9545.45 |
7606.93 |
| 4 |
4637.65 |
2120.89 |
2516.76 |
8406.91 |
10143.67 |
5678.75 |
3181.82 |
2496.93 |
12727.27 |
10103.86 |
| 5 |
4637.65 |
2133.79 |
2503.86 |
10540.70 |
12647.53 |
5659.39 |
3181.82 |
2477.58 |
15909.09 |
12581.44 |
| 6 |
4637.65 |
2146.77 |
2490.88 |
12687.47 |
15138.41 |
5640.04 |
3181.82 |
2458.22 |
19090.91 |
15039.66 |
| 7 |
4637.65 |
2159.83 |
2477.82 |
14847.30 |
17616.23 |
5620.68 |
3181.82 |
2438.86 |
22272.73 |
17478.52 |
| 8 |
4637.65 |
2172.97 |
2464.68 |
17020.27 |
20080.91 |
5601.33 |
3181.82 |
2419.51 |
25454.55 |
19898.03 |
| 9 |
4637.65 |
2186.19 |
2451.46 |
19206.46 |
22532.37 |
5581.97 |
3181.82 |
2400.15 |
28636.36 |
22298.18 |
| 10 |
4637.65 |
2199.49 |
2438.16 |
21405.94 |
24970.53 |
5562.61 |
3181.82 |
2380.80 |
31818.18 |
24678.98 |
| 11 |
4637.65 |
2212.87 |
2424.78 |
23618.81 |
27395.31 |
5543.26 |
3181.82 |
2361.44 |
35000.00 |
27040.42 |
| 12 |
4637.65 |
2226.33 |
2411.32 |
25845.14 |
29806.63 |
5523.90 |
3181.82 |
2342.08 |
38181.82 |
29382.50 |
| 第2年 |
13 |
4637.65 |
2239.87 |
2397.78 |
28085.01 |
32204.40 |
5504.55 |
3181.82 |
2322.73 |
41363.64 |
31705.23 |
| 14 |
4637.65 |
2253.50 |
2384.15 |
30338.51 |
34588.55 |
5485.19 |
3181.82 |
2303.37 |
44545.45 |
34008.60 |
| 15 |
4637.65 |
2267.21 |
2370.44 |
32605.71 |
36958.99 |
5465.83 |
3181.82 |
2284.02 |
47727.27 |
36292.61 |
| 16 |
4637.65 |
2281.00 |
2356.65 |
34886.71 |
39315.64 |
5446.48 |
3181.82 |
2264.66 |
50909.09 |
38557.27 |
| 17 |
4637.65 |
2294.87 |
2342.77 |
37181.59 |
41658.41 |
5427.12 |
3181.82 |
2245.30 |
54090.91 |
40802.58 |
| 18 |
4637.65 |
2308.84 |
2328.81 |
39490.42 |
43987.23 |
5407.77 |
3181.82 |
2225.95 |
57272.73 |
43028.52 |
| 19 |
4637.65 |
2322.88 |
2314.77 |
41813.30 |
46301.99 |
5388.41 |
3181.82 |
2206.59 |
60454.55 |
45235.11 |
| 20 |
4637.65 |
2337.01 |
2300.64 |
44150.32 |
48602.63 |
5369.05 |
3181.82 |
2187.23 |
63636.36 |
47422.35 |
| 21 |
4637.65 |
2351.23 |
2286.42 |
46501.54 |
50889.05 |
5349.70 |
3181.82 |
2167.88 |
66818.18 |
49590.23 |
| 22 |
4637.65 |
2365.53 |
2272.12 |
48867.08 |
53161.16 |
5330.34 |
3181.82 |
2148.52 |
70000.00 |
51738.75 |
| 23 |
4637.65 |
2379.92 |
2257.73 |
51247.00 |
55418.89 |
5310.98 |
3181.82 |
2129.17 |
73181.82 |
53867.92 |
| 24 |
4637.65 |
2394.40 |
2243.25 |
53641.40 |
57662.14 |
5291.63 |
3181.82 |
2109.81 |
76363.64 |
55977.73 |
| 第3年 |
25 |
4637.65 |
2408.97 |
2228.68 |
56050.36 |
59890.82 |
5272.27 |
3181.82 |
2090.45 |
79545.45 |
58068.18 |
| 26 |
4637.65 |
2423.62 |
2214.03 |
58473.98 |
62104.84 |
5252.92 |
3181.82 |
2071.10 |
82727.27 |
60139.28 |
| 27 |
4637.65 |
2438.36 |
2199.28 |
60912.35 |
64304.13 |
5233.56 |
3181.82 |
2051.74 |
85909.09 |
62191.02 |
| 28 |
4637.65 |
2453.20 |
2184.45 |
63365.54 |
66488.58 |
5214.20 |
3181.82 |
2032.39 |
89090.91 |
64223.41 |
| 29 |
4637.65 |
2468.12 |
2169.53 |
65833.66 |
68658.10 |
5194.85 |
3181.82 |
2013.03 |
92272.73 |
66236.44 |
| 30 |
4637.65 |
2483.14 |
2154.51 |
68316.80 |
70812.61 |
5175.49 |
3181.82 |
1993.67 |
95454.55 |
68230.11 |
| 31 |
4637.65 |
2498.24 |
2139.41 |
70815.04 |
72952.02 |
5156.14 |
3181.82 |
1974.32 |
98636.36 |
70204.43 |
| 32 |
4637.65 |
2513.44 |
2124.21 |
73328.48 |
75076.23 |
5136.78 |
3181.82 |
1954.96 |
101818.18 |
72159.39 |
| 33 |
4637.65 |
2528.73 |
2108.92 |
75857.21 |
77185.15 |
5117.42 |
3181.82 |
1935.61 |
105000.00 |
74095.00 |
| 34 |
4637.65 |
2544.11 |
2093.54 |
78401.32 |
79278.68 |
5098.07 |
3181.82 |
1916.25 |
108181.82 |
76011.25 |
| 35 |
4637.65 |
2559.59 |
2078.06 |
80960.91 |
81356.74 |
5078.71 |
3181.82 |
1896.89 |
111363.64 |
77908.14 |
| 36 |
4637.65 |
2575.16 |
2062.49 |
83536.07 |
83419.23 |
5059.36 |
3181.82 |
1877.54 |
114545.45 |
79785.68 |
| 第4年 |
37 |
4637.65 |
2590.82 |
2046.82 |
86126.89 |
85466.05 |
5040.00 |
3181.82 |
1858.18 |
117727.27 |
81643.86 |
| 38 |
4637.65 |
2606.59 |
2031.06 |
88733.48 |
87497.11 |
5020.64 |
3181.82 |
1838.83 |
120909.09 |
83482.69 |
| 39 |
4637.65 |
2622.44 |
2015.20 |
91355.92 |
89512.32 |
5001.29 |
3181.82 |
1819.47 |
124090.91 |
85302.16 |
| 40 |
4637.65 |
2638.40 |
1999.25 |
93994.32 |
91511.57 |
4981.93 |
3181.82 |
1800.11 |
127272.73 |
87102.27 |
| 41 |
4637.65 |
2654.45 |
1983.20 |
96648.76 |
93494.77 |
4962.58 |
3181.82 |
1780.76 |
130454.55 |
88883.03 |
| 42 |
4637.65 |
2670.59 |
1967.05 |
99319.36 |
95461.82 |
4943.22 |
3181.82 |
1761.40 |
133636.36 |
90644.43 |
| 43 |
4637.65 |
2686.84 |
1950.81 |
102006.20 |
97412.63 |
4923.86 |
3181.82 |
1742.05 |
136818.18 |
92386.48 |
| 44 |
4637.65 |
2703.18 |
1934.46 |
104709.38 |
99347.09 |
4904.51 |
3181.82 |
1722.69 |
140000.00 |
94109.17 |
| 45 |
4637.65 |
2719.63 |
1918.02 |
107429.01 |
101265.11 |
4885.15 |
3181.82 |
1703.33 |
143181.82 |
95812.50 |
| 46 |
4637.65 |
2736.17 |
1901.47 |
110165.18 |
103166.59 |
4865.80 |
3181.82 |
1683.98 |
146363.64 |
97496.48 |
| 47 |
4637.65 |
2752.82 |
1884.83 |
112918.00 |
105051.41 |
4846.44 |
3181.82 |
1664.62 |
149545.45 |
99161.10 |
| 48 |
4637.65 |
2769.57 |
1868.08 |
115687.57 |
106919.50 |
4827.08 |
3181.82 |
1645.27 |
152727.27 |
100806.36 |
| 第5年 |
49 |
4637.65 |
2786.41 |
1851.23 |
118473.98 |
108770.73 |
4807.73 |
3181.82 |
1625.91 |
155909.09 |
102432.27 |
| 50 |
4637.65 |
2803.36 |
1834.28 |
121277.35 |
110605.01 |
4788.37 |
3181.82 |
1606.55 |
159090.91 |
104038.83 |
| 51 |
4637.65 |
2820.42 |
1817.23 |
124097.76 |
112422.24 |
4769.02 |
3181.82 |
1587.20 |
162272.73 |
105626.02 |
| 52 |
4637.65 |
2837.58 |
1800.07 |
126935.34 |
114222.31 |
4749.66 |
3181.82 |
1567.84 |
165454.55 |
107193.86 |
| 53 |
4637.65 |
2854.84 |
1782.81 |
129790.18 |
116005.12 |
4730.30 |
3181.82 |
1548.48 |
168636.36 |
108742.35 |
| 54 |
4637.65 |
2872.20 |
1765.44 |
132662.38 |
117770.57 |
4710.95 |
3181.82 |
1529.13 |
171818.18 |
110271.48 |
| 55 |
4637.65 |
2889.68 |
1747.97 |
135552.06 |
119518.54 |
4691.59 |
3181.82 |
1509.77 |
175000.00 |
111781.25 |
| 56 |
4637.65 |
2907.26 |
1730.39 |
138459.31 |
121248.93 |
4672.23 |
3181.82 |
1490.42 |
178181.82 |
113271.67 |
| 57 |
4637.65 |
2924.94 |
1712.71 |
141384.25 |
122961.64 |
4652.88 |
3181.82 |
1471.06 |
181363.64 |
114742.73 |
| 58 |
4637.65 |
2942.73 |
1694.91 |
144326.99 |
124656.55 |
4633.52 |
3181.82 |
1451.70 |
184545.45 |
116194.43 |
| 59 |
4637.65 |
2960.64 |
1677.01 |
147287.62 |
126333.56 |
4614.17 |
3181.82 |
1432.35 |
187727.27 |
117626.78 |
| 60 |
4637.65 |
2978.65 |
1659.00 |
150266.27 |
127992.56 |
4594.81 |
3181.82 |
1412.99 |
190909.09 |
119039.77 |
| 第6年 |
61 |
4637.65 |
2996.77 |
1640.88 |
153263.04 |
129633.44 |
4575.45 |
3181.82 |
1393.64 |
194090.91 |
120433.41 |
| 62 |
4637.65 |
3015.00 |
1622.65 |
156278.03 |
131256.09 |
4556.10 |
3181.82 |
1374.28 |
197272.73 |
121807.69 |
| 63 |
4637.65 |
3033.34 |
1604.31 |
159311.37 |
132860.40 |
4536.74 |
3181.82 |
1354.92 |
200454.55 |
123162.61 |
| 64 |
4637.65 |
3051.79 |
1585.86 |
162363.16 |
134446.25 |
4517.39 |
3181.82 |
1335.57 |
203636.36 |
124498.18 |
| 65 |
4637.65 |
3070.36 |
1567.29 |
165433.52 |
136013.54 |
4498.03 |
3181.82 |
1316.21 |
206818.18 |
125814.39 |
| 66 |
4637.65 |
3089.03 |
1548.61 |
168522.56 |
137562.16 |
4478.67 |
3181.82 |
1296.86 |
210000.00 |
127111.25 |
| 67 |
4637.65 |
3107.83 |
1529.82 |
171630.38 |
139091.98 |
4459.32 |
3181.82 |
1277.50 |
213181.82 |
128388.75 |
| 68 |
4637.65 |
3126.73 |
1510.92 |
174757.11 |
140602.89 |
4439.96 |
3181.82 |
1258.14 |
216363.64 |
129646.89 |
| 69 |
4637.65 |
3145.75 |
1491.89 |
177902.87 |
142094.79 |
4420.61 |
3181.82 |
1238.79 |
219545.45 |
130885.68 |
| 70 |
4637.65 |
3164.89 |
1472.76 |
181067.76 |
143567.55 |
4401.25 |
3181.82 |
1219.43 |
222727.27 |
132105.11 |
| 71 |
4637.65 |
3184.14 |
1453.50 |
184251.90 |
145021.05 |
4381.89 |
3181.82 |
1200.08 |
225909.09 |
133305.19 |
| 72 |
4637.65 |
3203.51 |
1434.13 |
187455.41 |
146455.18 |
4362.54 |
3181.82 |
1180.72 |
229090.91 |
134485.91 |
| 第7年 |
73 |
4637.65 |
3223.00 |
1414.65 |
190678.41 |
147869.83 |
4343.18 |
3181.82 |
1161.36 |
232272.73 |
135647.27 |
| 74 |
4637.65 |
3242.61 |
1395.04 |
193921.02 |
149264.87 |
4323.83 |
3181.82 |
1142.01 |
235454.55 |
136789.28 |
| 75 |
4637.65 |
3262.33 |
1375.31 |
197183.35 |
150640.18 |
4304.47 |
3181.82 |
1122.65 |
238636.36 |
137911.93 |
| 76 |
4637.65 |
3282.18 |
1355.47 |
200465.53 |
151995.65 |
4285.11 |
3181.82 |
1103.30 |
241818.18 |
139015.23 |
| 77 |
4637.65 |
3302.15 |
1335.50 |
203767.68 |
153331.15 |
4265.76 |
3181.82 |
1083.94 |
245000.00 |
140099.17 |
| 78 |
4637.65 |
3322.23 |
1315.41 |
207089.91 |
154646.57 |
4246.40 |
3181.82 |
1064.58 |
248181.82 |
141163.75 |
| 79 |
4637.65 |
3342.44 |
1295.20 |
210432.36 |
155941.77 |
4227.05 |
3181.82 |
1045.23 |
251363.64 |
142208.98 |
| 80 |
4637.65 |
3362.78 |
1274.87 |
213795.13 |
157216.64 |
4207.69 |
3181.82 |
1025.87 |
254545.45 |
143234.85 |
| 81 |
4637.65 |
3383.23 |
1254.41 |
217178.37 |
158471.05 |
4188.33 |
3181.82 |
1006.52 |
257727.27 |
144241.36 |
| 82 |
4637.65 |
3403.82 |
1233.83 |
220582.18 |
159704.88 |
4168.98 |
3181.82 |
987.16 |
260909.09 |
145228.52 |
| 83 |
4637.65 |
3424.52 |
1213.13 |
224006.71 |
160918.01 |
4149.62 |
3181.82 |
967.80 |
264090.91 |
146196.33 |
| 84 |
4637.65 |
3445.35 |
1192.29 |
227452.06 |
162110.30 |
4130.27 |
3181.82 |
948.45 |
267272.73 |
147144.77 |
| 第8年 |
85 |
4637.65 |
3466.31 |
1171.33 |
230918.37 |
163281.63 |
4110.91 |
3181.82 |
929.09 |
270454.55 |
148073.86 |
| 86 |
4637.65 |
3487.40 |
1150.25 |
234405.77 |
164431.88 |
4091.55 |
3181.82 |
909.73 |
273636.36 |
148983.60 |
| 87 |
4637.65 |
3508.62 |
1129.03 |
237914.39 |
165560.91 |
4072.20 |
3181.82 |
890.38 |
276818.18 |
149873.98 |
| 88 |
4637.65 |
3529.96 |
1107.69 |
241444.35 |
166668.60 |
4052.84 |
3181.82 |
871.02 |
280000.00 |
150745.00 |
| 89 |
4637.65 |
3551.43 |
1086.21 |
244995.78 |
167754.81 |
4033.48 |
3181.82 |
851.67 |
283181.82 |
151596.67 |
| 90 |
4637.65 |
3573.04 |
1064.61 |
248568.82 |
168819.42 |
4014.13 |
3181.82 |
832.31 |
286363.64 |
152428.98 |
| 91 |
4637.65 |
3594.77 |
1042.87 |
252163.60 |
169862.30 |
3994.77 |
3181.82 |
812.95 |
289545.45 |
153241.93 |
| 92 |
4637.65 |
3616.64 |
1021.00 |
255780.24 |
170883.30 |
3975.42 |
3181.82 |
793.60 |
292727.27 |
154035.53 |
| 93 |
4637.65 |
3638.64 |
999.00 |
259418.88 |
171882.30 |
3956.06 |
3181.82 |
774.24 |
295909.09 |
154809.77 |
| 94 |
4637.65 |
3660.78 |
976.87 |
263079.66 |
172859.17 |
3936.70 |
3181.82 |
754.89 |
299090.91 |
155564.66 |
| 95 |
4637.65 |
3683.05 |
954.60 |
266762.71 |
173813.77 |
3917.35 |
3181.82 |
735.53 |
302272.73 |
156300.19 |
| 96 |
4637.65 |
3705.45 |
932.19 |
270468.16 |
174745.96 |
3897.99 |
3181.82 |
716.17 |
305454.55 |
157016.36 |
| 第9年 |
97 |
4637.65 |
3728.00 |
909.65 |
274196.16 |
175655.62 |
3878.64 |
3181.82 |
696.82 |
308636.36 |
157713.18 |
| 98 |
4637.65 |
3750.67 |
886.97 |
277946.83 |
176542.59 |
3859.28 |
3181.82 |
677.46 |
311818.18 |
158390.64 |
| 99 |
4637.65 |
3773.49 |
864.16 |
281720.32 |
177406.75 |
3839.92 |
3181.82 |
658.11 |
315000.00 |
159048.75 |
| 100 |
4637.65 |
3796.45 |
841.20 |
285516.77 |
178247.95 |
3820.57 |
3181.82 |
638.75 |
318181.82 |
159687.50 |
| 101 |
4637.65 |
3819.54 |
818.11 |
289336.31 |
179066.05 |
3801.21 |
3181.82 |
619.39 |
321363.64 |
160306.89 |
| 102 |
4637.65 |
3842.78 |
794.87 |
293179.08 |
179860.93 |
3781.86 |
3181.82 |
600.04 |
324545.45 |
160906.93 |
| 103 |
4637.65 |
3866.15 |
771.49 |
297045.24 |
180632.42 |
3762.50 |
3181.82 |
580.68 |
327727.27 |
161487.61 |
| 104 |
4637.65 |
3889.67 |
747.97 |
300934.91 |
181380.39 |
3743.14 |
3181.82 |
561.33 |
330909.09 |
162048.94 |
| 105 |
4637.65 |
3913.33 |
724.31 |
304848.25 |
182104.71 |
3723.79 |
3181.82 |
541.97 |
334090.91 |
162590.91 |
| 106 |
4637.65 |
3937.14 |
700.51 |
308785.39 |
182805.21 |
3704.43 |
3181.82 |
522.61 |
337272.73 |
163113.52 |
| 107 |
4637.65 |
3961.09 |
676.56 |
312746.48 |
183481.77 |
3685.08 |
3181.82 |
503.26 |
340454.55 |
163616.78 |
| 108 |
4637.65 |
3985.19 |
652.46 |
316731.67 |
184134.23 |
3665.72 |
3181.82 |
483.90 |
343636.36 |
164100.68 |
| 第10年 |
109 |
4637.65 |
4009.43 |
628.22 |
320741.10 |
184762.44 |
3646.36 |
3181.82 |
464.55 |
346818.18 |
164565.23 |
| 110 |
4637.65 |
4033.82 |
603.82 |
324774.92 |
185366.27 |
3627.01 |
3181.82 |
445.19 |
350000.00 |
165010.42 |
| 111 |
4637.65 |
4058.36 |
579.29 |
328833.28 |
185945.55 |
3607.65 |
3181.82 |
425.83 |
353181.82 |
165436.25 |
| 112 |
4637.65 |
4083.05 |
554.60 |
332916.33 |
186500.15 |
3588.30 |
3181.82 |
406.48 |
356363.64 |
165842.73 |
| 113 |
4637.65 |
4107.89 |
529.76 |
337024.22 |
187029.91 |
3568.94 |
3181.82 |
387.12 |
359545.45 |
166229.85 |
| 114 |
4637.65 |
4132.88 |
504.77 |
341157.10 |
187534.68 |
3549.58 |
3181.82 |
367.77 |
362727.27 |
166597.61 |
| 115 |
4637.65 |
4158.02 |
479.63 |
345315.12 |
188014.31 |
3530.23 |
3181.82 |
348.41 |
365909.09 |
166946.02 |
| 116 |
4637.65 |
4183.31 |
454.33 |
349498.43 |
188468.64 |
3510.87 |
3181.82 |
329.05 |
369090.91 |
167275.08 |
| 117 |
4637.65 |
4208.76 |
428.88 |
353707.19 |
188897.53 |
3491.52 |
3181.82 |
309.70 |
372272.73 |
167584.77 |
| 118 |
4637.65 |
4234.37 |
403.28 |
357941.56 |
189300.81 |
3472.16 |
3181.82 |
290.34 |
375454.55 |
167875.11 |
| 119 |
4637.65 |
4260.12 |
377.52 |
362201.68 |
189678.33 |
3452.80 |
3181.82 |
270.98 |
378636.36 |
168146.10 |
| 120 |
4637.65 |
4286.04 |
351.61 |
366487.72 |
190029.94 |
3433.45 |
3181.82 |
251.63 |
381818.18 |
168397.73 |
| 第11年 |
121 |
4637.65 |
4312.11 |
325.53 |
370799.84 |
190355.47 |
3414.09 |
3181.82 |
232.27 |
385000.00 |
168630.00 |
| 122 |
4637.65 |
4338.35 |
299.30 |
375138.18 |
190654.77 |
3394.73 |
3181.82 |
212.92 |
388181.82 |
168842.92 |
| 123 |
4637.65 |
4364.74 |
272.91 |
379502.92 |
190927.68 |
3375.38 |
3181.82 |
193.56 |
391363.64 |
169036.48 |
| 124 |
4637.65 |
4391.29 |
246.36 |
383894.21 |
191174.04 |
3356.02 |
3181.82 |
174.20 |
394545.45 |
169210.68 |
| 125 |
4637.65 |
4418.00 |
219.64 |
388312.22 |
191393.68 |
3336.67 |
3181.82 |
154.85 |
397727.27 |
169365.53 |
| 126 |
4637.65 |
4444.88 |
192.77 |
392757.10 |
191586.45 |
3317.31 |
3181.82 |
135.49 |
400909.09 |
169501.02 |
| 127 |
4637.65 |
4471.92 |
165.73 |
397229.01 |
191752.17 |
3297.95 |
3181.82 |
116.14 |
404090.91 |
169617.16 |
| 128 |
4637.65 |
4499.12 |
138.52 |
401728.14 |
191890.70 |
3278.60 |
3181.82 |
96.78 |
407272.73 |
169713.94 |
| 129 |
4637.65 |
4526.49 |
111.15 |
406254.63 |
192001.85 |
3259.24 |
3181.82 |
77.42 |
410454.55 |
169791.36 |
| 130 |
4637.65 |
4554.03 |
83.62 |
410808.66 |
192085.47 |
3239.89 |
3181.82 |
58.07 |
413636.36 |
169849.43 |
| 131 |
4637.65 |
4581.73 |
55.91 |
415390.39 |
192141.38 |
3220.53 |
3181.82 |
38.71 |
416818.18 |
169888.14 |
| 132 |
4637.65 |
4609.61 |
28.04 |
420000.00 |
192169.43 |
3201.17 |
3181.82 |
19.36 |
420000.00 |
169907.50 |
|
汇总:
|
等额本息
总利息:192169.43元 总还款:612169.43元
|
等额本金
总利息:169907.50元 总还款:589907.50元
|
|
年利率为:7.30%,折扣: 不打折,贷款:42.0万,
分132期(11年), 等额本息比等额本金多:22261.93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。。