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(一)资金的时间价值是指等量的资金在不同时点上具有不同价值的差额。从借贷过程来说是利息,从投资过程来说是利润(亏损)。说到底,就是现在的一元钱与一定时间以后的一元钱在价值上是不等的,它是劳动者为社会创造出来新的价值,它是以利息或利润(亏损)的形式表现的。这是因为对资金的投放、运用和收回的时间不同,其价值也不同。在通常情况下,资金随着时间的推移而增殖,在特殊情况下,资金还会随着时间的推移而减殖。资金在商品经济规律下,由于客观上存在投资活动的风险性、资金所有权与使用权的相对独立性和通货膨胀因素及供求的关系影响,使得资金自身价值在运动过程中必然发生变化,这是价值运动形式的一种客观属性。(二)由于过去实行产品经济,资金供给制,人们对资金的时间价值观念淡薄,没有摆脱传统的静态思维方式,往往局限于量上的
(1) The time value of funds refers to the difference in the value of equal amounts of funds at different points in time. It is interest from the lending process and profits (loss) from the investment process. In the final analysis, it is that the current one dollar and the one dollar after a certain period of time are not equal in value. It is a new value created by the laborer for the society. It is expressed in the form of interest or profit (loss). This is because the value of putting, using, and recovering funds is different, and their value is also different. Under normal circumstances, funds will multiply over time, and under special circumstances, funds will be reduced over time. Under the laws of commodity economy, funds are subject to the risk of investment activities, the relative independence of capital ownership and use rights, and the influence of inflation factors and supply and demand, making the value of funds inevitably change in the course of the movement. This is An objective property of the form of value movement. (2) In the past, due to the implementation of the product economy and capital supply system, people’s time value concept of funds was weak and they did not get rid of the traditional static thinking methods and were often limited to quantitative