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年华收益率是怎么算的？

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坦克

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电梯直达

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发表于 2013-10-22 19:03 |只看该作者 |正序浏览

http://list.lufax.com/list/productDetail?productId=38895
陆金所的投资项目，号称年化收益率8.61%
期次收款日应收本息(元) 应收本金(元) 应收利息(元) 剩余本金(元)
1 2013-11-23 1,580.93 1,222.18 358.75 48,777.82
2 2013-12-23 1,580.93 1,230.95 349.98 47,546.87
3 2014-01-23 1,580.93 1,239.78 341.15 46,307.09
4 2014-02-23 1,580.93 1,248.68 332.25 45,058.41
5 2014-03-23 1,580.93 1,257.64 323.29 43,800.77
6 2014-04-23 1,580.93 1,266.66 314.27 42,534.11
7 2014-05-23 1,580.93 1,275.75 305.18 41,258.36
8 2014-06-23 1,580.93 1,284.90 296.03 39,973.46
9 2014-07-23 1,580.93 1,294.12 286.81 38,679.34
10 2014-08-23 1,580.93 1,303.41 277.52 37,375.93
11 2014-09-23 1,580.93 1,312.76 268.17 36,063.17
12 2014-10-23 1,580.93 1,322.18 258.75 34,740.99
13 2014-11-23 1,580.93 1,331.66 249.27 33,409.33
14 2014-12-23 1,580.93 1,341.22 239.71 32,068.11
15 2015-01-23 1,580.93 1,350.84 230.09 30,717.27
16 2015-02-23 1,580.93 1,360.53 220.40 29,356.74
17 2015-03-23 1,580.93 1,370.30 210.63 27,986.44
18 2015-04-23 1,580.93 1,380.13 200.80 26,606.31
19 2015-05-23 1,580.93 1,390.03 190.90 25,216.28
20 2015-06-23 1,580.93 1,400.00 180.93 23,816.28
21 2015-07-23 1,580.93 1,410.05 170.88 22,406.23
22 2015-08-23 1,580.93 1,420.17 160.76 20,986.06
23 2015-09-23 1,580.93 1,430.36 150.57 19,555.70
24 2015-10-23 1,580.93 1,440.62 140.31 18,115.08
25 2015-11-23 1,580.93 1,450.95 129.98 16,664.13
26 2015-12-23 1,580.93 1,461.36 119.57 15,202.77
27 2016-01-23 1,580.93 1,471.85 109.08 13,730.92
28 2016-02-23 1,580.93 1,482.41 98.52 12,248.51
29 2016-03-23 1,580.93 1,493.05 87.88 10,755.46
30 2016-04-23 1,580.93 1,503.76 77.17 9,251.70
31 2016-05-23 1,580.93 1,514.55 66.38 7,737.15
32 2016-06-23 1,580.93 1,525.42 55.51 6,211.73
33 2016-07-23 1,580.93 1,536.36 44.57 4,675.37
34 2016-08-23 1,580.93 1,547.38 33.55 3,127.99
35 2016-09-23 1,580.93 1,558.49 22.44 1,569.50
36 2016-10-23 1,580.76 1,569.50 11.26 0.00
合计 56,913.31 50,000.00 6,913.31

三年五万元的利息是6913，折合每年收益4.6%

8.61%的数据怎么来的？