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檔名: TITLE_POR-041029.doc 頁碼: 第 1/2 頁
hp 10BII calculadora financeira
guia do usuário
Edição 1
Número de peça HP F1902-90004
檔名: 10BII_POR(MP01-2)-041029(Print) 頁碼: 第 2/2 頁
Aviso
REGISTRO SEU PRODUTO EM : www.register.hp.com
ESTE MANUAL E TODOS OS EXEMPLOS CONTIDOS AQUI SÃO
FORNECIDOS “DO JEITO QUE ESTÃO” E ESTÃO SUJEITOS À
MUDANÇAS SEM AVISO PRÉVIO. A COMPAINHA HEWLETT-
PACKARD NÃO FAZ GARANTIA DE NENHUM TIPO COM
RESPEITO A ESTE MANUAL OU OS EXEMPLOS CONTIDOS AQUI,
INCLUINDO, MAS NÃO SE LIMITANDO ÀS GARANTIAS
IMPLÍCITAS DE COMERCIABILIDADE, NÃO-VIOLAÇÃO E
APTIDÃO PARA UM PROPÓSITO PARTICULAR.
HEWLETT-PACKARD CO. NÃO SERÁ RESPONSÁVEL POR
QUAISQUER ERROS OU POR DANOS ACIDENTAIS OU
CONSEQUENCIAIS RELACIONADOS COM O FORNECIMENTO,
DESEMPENHO, OU USO DESTE MANUAL OU OS EXEMPLOS
CONTIDOS AQUI.
© Copyright 1988, 1989, 2001, 2004 Hewlett-Packard Development
Company, L.P. Reprodução, adaptação, ou tradução deste manual é
proibido sem permissão prévia por escrito de Hewlett-Packard Company,
exceto quando permitido pelas leis de direitos autorais.
Hewlett-Packard Company
4995 Murphy Canyon Rd,
Suite 301
San Diego,CA 92123
Histórico da Tiragem
Edição 1 Maio 2003
Bem-vindo à HP 10BII 3
Bem-vindo à HP 10BII
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10B.book Page 3 Sunday, June 25, 2000 1:17 PM
4 Bem-vindo à HP 10BII
Recursos
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10B.book Page 4 Sunday, June 25, 2000 1:17 PM
Índice 5
Índice
11 Visão Rápida
11
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14 9DORU7HPSRUDOGR'LQKHLUR790³9LVmR5iSLGD
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18 ,55<5H139³9LVmR5iSLGD
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21 7HFODV
1 23 Instruções Iniciais
23
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23 &iOFXORV$ULWPpWLFRV6LPSOHV
25 &DUDFWHUtVWLFDVGR9LVRUHGR7HFODGR
25 &XUVRU
25 ([FOXVmRGH'DGRVGR&RQWH~GRGD&DOFXODGRUD
25 ([FOXVmRGR&RQWH~GRGH'DGRVGD0HPyULD
26 ,QGLFDGRUHV
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28 7HFOD,1387
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31 $UUHGRQGDPHQWRGH1~PHUR V
32 0HQVDJHQV
10B.book Page 5 Sunday, June 25, 2000 1:17 PM
6 Índice
2 33 Percentagens para Negócios
33
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33 &iOFXORGHXPD3HUFHQ WDJHP
34 $GLomRRX6XEWUDFomR GHXPD3H UFHQ WDJHP
34 9DULDomR3HUF HQWXDO
35 &iOFXORVGH0DUJHPH0DUJHP GH/XFU R
35 &iOFXORVGH0DUJHP
36 0DUJHPGH/XFUR HP&iOF XORV GH&XVWR
36 8VRGH0DUJHP H0DU JHPGH/ XFUR -XQ WRV
3 37 Armazenamento de Números e Aritmética
37
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37 8WLOL]DomRGH&RQVWDQWHV
39 8WLOL]DomRGR5HJLVWUDGRU0
40 8WLOL]DomRGH5HJLVWUDGRUHV1XPHUDGRV
41 ([HFXomRGH&iOFXORV$ULWPpWLFRVHP5HJLVWUDGRUHV
42 ([HFXomRGH&iOFXORV$ULWPpWLFRV
43 2SHUDGRUGH3RWHQFLDomR
43 8WLOL]DomRGH3DUrQWHVHVHP&iOFXORV
4 45 Identificação de Problemas Financeiros
45
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46 6LQDLVGH)OX[RVGH&DL[D
47 3HUtRGRVH)OX[RVGH&DL[D
47 -XUR6LPSOHVH-XUR&RPSRVWR
47 -XUR6LPSOHV
48 -XUR&RPSRVWR
49 7D[DVGH-XURV
49 'RLV7LSRVGH3UREOHPDV)LQ DQFHLURV
49 5HFRQKHFLPHQWRGHXP3URE OHPD790
51 5HFRQKHFHQGRXP3UREOH PDGH)OX[RGH&DL[D
10B.book Page 6 Sunday, June 25, 2000 1:17 PM
Índice 7
5 53 Cálculo do Valor Temporal do Dinheiro
53
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55 ([FOXVmRGR&RQWH~GRGH790
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55 &iOFXORVGH(PSUpVWLPRV
61 &iOFXORVGH3RXSDQoD
64 &iOFXORVGH$OXJXHUHV
68 $PRUWL]DomR
73 &RQYHUV}HVGH7D[DVGH-XURV
74 ,QYHVWLPHQWRV FRP3HUtRGRVGH&RPSRVLomR 'LVWLQWRV
75 3HUtRGRVGH&RPSRVLomRH3DJDPHQWR'LIHUHQWHV
6 77 Cálculos de Fluxo de Caixa
77
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79 139H,55<5)OX[RVGH&DL[D'HVFRQWtQXRV
79 2UJDQL]DomRGH)OX[RVGH&DL[D
80 ,QFOXVmRGH)OX[RVGH&DL[D
82 9LVXDOL]DomRH6XEVWLWXLomRGH)OX[RVGH&DL[D
83 &iOFXORGR9DORU3UHVHQWH/tTXLGR
86 &iOFXORGD7D[D,QWHUQDGH5HWRUQR
87 $UPD]HQDPHQWR$XWRPiWLFRGH,55<5H139
7 89 Cálculos Estatísticos
89
([FOXVmRGH'DGRV(VWDWtVWLFRV
90 ,QFOXVmRGH'DGRV(VWDWtVWLFRV
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90 (VWDWtVWLFDVFRP'XDV9DULiYHLVH0pGLD3RQGHUDGD
91 &RUUHomRGH'DGRV(VWDWtVWLFRV
91 &RUUHomRGH'DGRVFRP8PD9DULiYHO
91 &RUUHomRGH'DGRVFRP'XDV9DULiYHLV
92 5HVXPRGH&iOFXORV(VWDWtVWLFRV
93 0pGLD'HVYLR3DGUmRH(VWDWtVWLFDVGH6RPDWyULRV
95 5HJUHVVmR/LQHDUH(VWLPDWLYD
98 0pGLD3RQGHUDGD
10B.book Page 7 Sunday, June 25, 2000 1:17 PM
8 Índice
8 99 Outros Exemplos
99
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99 'HILQLomRGHXP3UHoRGH9HQGD
100 3URMHomR%DVHDGDQR+LVWyULFR
101 &XVWRGD'HVFRQVLGHUDomRGH'HV FRQWRSDUD3DJD
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102 (PSUpVWLPRVH+LSRWHFDV
102 7D[D$QXDO6LPSOHV
102 &RPSRVLomR&RQWtQXD
104 5HQGLPHQWRGHXPD+LSRWHFDFRP 'HVFRQWRRX
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105 3HUFHQWXDO$QXDOSDUDXP(PSUp VWLPR7D[DGR
107 (PSUpVWLPRFRPXP3ULP HLUR3HUtRGR3DUFLDO)UD
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109 (PSUpVWLPRSDUD&RP SUDGH$XWRPyYHO
110 +LSRWHFDV&DQDGHQVHV
111 +LSyWHVHVHP&iOFXORV790
113 3RXSDQoDV
113 3RXSDQoDSDUD3DJDPHQ WRGH8QLYHUVLGDGH
115 *DQKRV1mR7ULEXWDGR VDWpD5HWLUDGD
117 9DORUGHXPD&RQWDGH$SRVHQWDGRULD7ULEXWiYHO
118 ([HPSORVGH)OX[RVGH&DL[D
118 +LSRWHFDV5HILQDQFLDGDV
120 9DORU)XWXUR/tTXLGR
A 123 Atendimento ao Cliente, Baterias e Assistência
Técnica
123
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125 /LPLWDo}HV$PELHQWDLV
125 (QHUJLDH%DWHULDV
125 ,QGLFDGRUGH3RXFD(QHUJLD
125 (VSHFLILFDo}HVGD%DWHULD
126 ,QVWDODomRGDV%DWHULDV
127 ,GHQWLILFDomRGD1HFHVVLGDGHGH$VVLVWrQFLD7pFQ LFD
128 *DUDQWLD/LPLWDGDGH8P$QR
128 24XHe&REHUWR
129 24XH1mRe&REHUWR
10B.book Page 8 Sunday, June 25, 2000 1:17 PM
Índice 9
129 7UDQVDo}HVGH&RQVXPRQR5HLQR8QLGR
130 6HD&DOFXODGRUD3UHFLVDUGH$VVLVWrQFLD7pFQLFD
130 2EWHQomRGH$VVLVWrQFLD7pFQLFD
130 7D[DGH6HUYLoR
131 ,QVWUXo}HVSDUD(QYLR
131 *DUDQWLDVREUHD$VVLVWrQFLD7pFQLFD
131 $FRUGRVGH$VVLVWrQFLD7pFQLFD
132 ,QIRUPDo}HV5HJXODWyULDV
133 3DUD-DSmRVRPHQWH
133 7HUPRVH&RQGLo}HVGR8VXiULR)LQDO
B 135 Informações Adicionais sobre Cálculos
135
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135 3RVVtYHLV5HVXOWDGRVGR&iOFXORGH,55<5
136 6XVSHQVmRH5HLQtFLRGH,55<5
136 ,QFOXVmRGHXPD6XSRVLomRSDUD,55<5
137 (IHLWRGR8VRGH
Σ
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137 ,QWHUYDORGH1~PHURV
138 (TXDo}HV
138 &iOFXORVGH0DUJHPH0DUJHPGH/XFUR
138 9DORU7HPSRUDOGR'LQKHLUR790
139 $PRUWL]DomR
139 &RQYHUV}HVGH7D[DVGH-XURV
140 &iOFXORVGH)OX[RGH&DL[D
141 (VWDWtVWLFDV
C 143 Mensagens
145 Índice remissivo
10B.book Page 9 Sunday, June 25, 2000 1:17 PM
10B.book Page 10 Sunday, June 25, 2000 1:17 PM
11Visão Rápida
Visão Rápida
(VWDVHomRGHVWLQDVHjTXHOHVTXHMiHVWmRIDPLOLDUL]DGRVFRPDRSHUDomR
GDFDOFXODGRUDRXFRPFRQFHLWRVILQDQFHLURV(ODSRGHVHUXVDGDFRPR
XPDUHIHUrQFLDUiSLGD2UHVWDQWHGRPDQXDORIHUHFHH[SOLFDo}HVH
H[HPSORVGRVFRQFHLWRVDSUHVHQWDGRVQHVWDVHomR
Instruções Básicas — Visão Rápida
Teclas: Visor: Descrição:
0,00
/LJDDFDOFXODGRUD
[rótulo laranja] 0,00
([LEHRLQGLFDGRUGH
SUHIL[R
SHIFT
0,00
,QWHUURPSHDRSHUDomR
GHSUHIL[R
12_
$SDJDR~OWLPR
FDUDFWHUH
0,00
$SDJDRYLVRU
0,00
$SDJDRFRQWH~GRGD
PHPyULDHVWDWtVWLFD
0,00
$SDJDWRGDDPHPyULD
'HVOLJDDFDOFXODGRUD
10B.book Page 11 Sunday, June 25, 2000 1:17 PM
12 Visão Rápida
Percentuais — Visão Rápida
6RPDUD
(QFRQWUDUDPDUJHPVHRFXVWRpGHHRSUHoRGHYHQGDp
6HRFXVWRpHDPDUJHPGHOXFURpTXDOpRSUHoRGHYHQGD"
3HUFHQWXDLV
&XVWR
3UHoR
0DUJHP
0DUJHPGH/XFUR
Teclas: Visor: Descrição:
17,50
,QFOXLRQ~PHUR
20,13
6RPD
15,00
,QFOXLRFXVWR
22,00
,QFOXLRSUHoR
31,82
&DOFXODDPDUJHP
20,00
,QFOXLRFXVWR
33,00
,QFOXLDPDUJHPGH
OXFUR
26,60
&DOFXODRSUHoR
10B.book Page 12 Sunday, June 25, 2000 1:17 PM
Visão Rápida 13
Teclas de Memória — Visão Rápida
0XOWLSOLFDUHSRUDUPD]HQDQGR´ïµFRPRXPDRSHUDomR
FRQVWDQWH
$UPD]HQDUQRUHJLVWUDGRUHHPVHJXLGDUHFXSHUiOR
$UPD]HQDXPDRSHUDomRFRQVWDQWH
$UPD]HQDXPYDORUQRUHJLVWUDGRU0ORFDomRGH
PHPyULD
5HFXSHUDRQ~PHURGRUHJLVWUDGRU0
6RPDXPYDORUDRQ~PHURDUPD]HQDGRQRUHJLVWUDGRU0
$UPD]HQDXPYDORUQXPUHJLVWUDGRUQXPHUDGR
5HFXSHUDXPYDORUGHXPUHJLVWUDGRUQXPHUDGR
Teclas: Visor: Descrição:
7,00
$UPD]HQD´ïµFRPR
XPDRSHUDomR
FRQVWDQWH
119,00
0XOWLSOLFDï
154,00
0XOWLSOLFDï
175,00
0XOWLSOLFDï
519,00
$UPD]HQDQR
UHJLVWUDGRU
0,00
$SDJDRYLVRU
519,00
5HFXSHUDUHJLVWUDGRU
10B.book Page 13 Sunday, June 25, 2000 1:17 PM
14 Visão Rápida
Valor Temporal do Dinheiro (TVM) — Visão
Rápida
'LJLWHTXDWURYDORUHVGHQWUHRVFLQFRHREWHQKDDVROXomR
SDUDRTXLQWRYDORU
8PVLQDOQHJDWLYRQRYLVRUUHSUHVHQWDRGLQKHLURSDJRR
GLQKHLURUHFHELGRWHPYDORUSRVLWLYR
6HYRFrWRPRXXPHPSUpVWLPRGH39SRUPHVHV1D
GHMXURV,<5TXDOpRSDJDPHQWRPHQVDO"
&RQILJXUHRPRGR(QG3UHVVLRQH
VHDLQGLFDomRBEGINHVWLYHU
VHQGRH[LELGD
1~PHURGHSDJDPHQWRV
-XURSRUDQR
9DORUSUHVHQWH
3DJDPHQWR
9DORUIXWXUR
0RGR%HJLQRX(QG
0RGRGHQ~PHURGHSDJDPHQWRVSRUDQR
Teclas: Visor: Descrição:
12,00
'HILQHRVSDJDPHQWRV
SRUDQR
360,00
,QFOXLRQ~PHURGH
SDJDPHQWRV
10,00
,QFOXLRMXURDRDQR
14.000,00
,QFOXLRYDORUSUHVHQWH
0,00
,QFOXLRYDORUIXWXUR
–122,86
&DOFXODRSDJDPHQWRVH
HVWHIRUSDJRDRILQDO
GRSHUtRGR
10B.book Page 14 Sunday, June 25, 2000 1:17 PM
Visão Rápida 15
Hipóteses TVM — Visão Rápida
1mRpQHFHVViULRGLJLWDUQRYDPHQWHYDORUHV790SDUDFDGD
H[HPSOR8VDQGRRVYDORUHVMiLQIRUPDGRVSiJLQD
FDOFXOHRYDORUGRHPSUpVWLPRDVHUVROLFLWDGRVHYRFrGHVHMD
XPSDJDPHQWRGH
4XDOVHUiRYDORUGRHPSUpVWLPRFRPXPDWD[DGHMXURGH"
Teclas: Visor: Descrição:
–100,00
,QFOXLRQRYRYDORUGH
SDJDPHQWR'LQKHLUR
SDJRpQHJDWLYR
11.395,08
&DOFXODRYDORUGR
HPSUpVWLPR
9,50
,QFOXLQRYDWD[DGH
MXUR
11.892,67
&DOFXODRQRYRYDORU
SUHVHQWHSDUD
GHSDJDPHQWRH
GHMXURV
10,00
,QFOXLQRYDPHQWHD
WD[DGHMXURRULJLQDO
14.000,00
,QFOXLQRYDPHQWHR
YDORUSUHVHQWHRULJLQDO
–122,86
&DOFXODRSDJDPHQWR
RULJLQDO
10B.book Page 15 Sunday, June 25, 2000 1:17 PM
16 Visão Rápida
Amortização — Visão Rápida
$SyVFDOFXODURSDJDPHQWRXVDQGRR9DORU7HPSRUDOGH
'LQKHLUR790LQFOXDRVSHUtRGRVDVHUHPDPRUWL]DGRVH
SUHVVLRQH
(QWmRSUHVVLRQH SDUDSHUFRUUHURV
YDORUHVGHMXURSULQFLSDOHVDOGRLQGLFDGRVSHODV
PRIN
INTHBALUHVSHFWLYDPHQWH
8VDQGRRH[HPSORDQWHULRUGH790SiJLQDDPRUWL]H
XPSDJDPHQWR~QLFRHHPVHJXLGDXPLQWHUYDORGHSDJDPHQWRV
$PRUWL]DUR
SDJDPHQWRGRHPSUpVWLPR
$PRUWL]DUGR
DWpR SDJDPHQWRGRHPSUpVWLPR
Teclas: Visor: Descrição:
20,00
,QFOXLRSHUtRGRDVHU
DPRUWL]DGR
20 – 20
([LEHRSHUtRGRDVHU
DPRUWL]DGR
–7,25
([LEHRSULQFLSDO
–115,61
([LEHRMXUR'LQKHLUR
SDJRpQHJDWLYR
13.865,83
([LEHRVDOGR
12_
,QFOXLRLQWHUYDORGH
SHUtRGRVDVHUHP
DPRUWL]DGRV
1 – 12
([LEHRLQWHUYDORGH
SHUtRGRVSDJDPHQWRV
–77,82
([LEHRSULQFLSDO
–1.396,50
([LEHRMXUR'LQKHLUR
SDJRpQHJDWLYR
13.922,18
([LEHRVDOGR
10B.book Page 16 Sunday, June 25, 2000 1:17 PM
18 Visão Rápida
IRR/YR e NPV — Visão Rápida
6HYRFrWHPXPDVDtGDGHFDL[DLQLFLDOGHVHJXLGRSRUHQWUDGDV
GHFDL[DPHQVDLVGHHTXDOpR,55<5"
4XDOpR,55SRUPrV"
4XDOpR139VHDWD[DGHGHVFRQWRp"
1~PHURGHSHUtRGRVSRUDQRRSDGUmRp
)OX[RVGHFDL[DDWp´MµLGHQWLILFDRQ~PHURGHIOX[RGH
FDL[D
1~PHURGHRFRUUrQFLDVFRQVHFXWLYDVGRIOX[RGHFDL[D´Mµ
7D[DLQWHUQDGHUHWRUQRSRUDQR
9DORUDQXDOOtTXLGR
Teclas: Visor: Descrição:
0,00
$SDJDWRGDDPHPyULD
12,00
'HILQHRVSDJDPHQWRVSRUDQR
–40.000,00
,QFOXLDVDtGDGHFDL[DLQLFLDO
4.700,00
,QFOXLRSULPHLURIOX[RGH
FDL[D
7.000,00
,QFOXLRVHJXQGRIOX[RGHFDL[D
2,00
,QFOXLRQ~PHURGHRFRUUrQFLDV
FRQVHFXWLYDVGRIOX[RGHFDL[D
23.000,00
,QFOXLRWHUFHLURIOX[RGHFDL[D
15,96
&DOFXOD,55<5
1,33
&DOFXOD,55SRUPrV
 10,00
,QFOXL,<5
622,85
&DOFXOD139
10B.book Page 18 Sunday, June 25, 2000 1:17 PM
Visão Rápida 19
Estatísticas — Visão Rápida
8VDQGRRVGDGRVDEDL[RHQFRQWUDUDVPpGLDVGH[H\RGHGHVYLRSDGUmR
GDDPRVWUDGH[H\HDLQWHUVHomR\HDLQFOLQDomRGDOLQKDGHSURMHomRGH
UHJUHVVmROLQHDU(PVHJXLGDXVHDVHVWDWtVWLFDVGHVRPDWyULRSDUD
HQFRQWUDUQH
Σ
[\
$SDJDRVUHJLVWUDGRUHVHVWDWtVWLFRV
Q~PHUR
,QFOXLGDGRVGHXPDYDULiYHOHVWDWtVWLFD
Q~PHUR
$SDJDGDGRVGHXPDYDULiYHOHVWDWtVWLFD
Q~PHUR
Q~PHUR
,QFOXLGDGRVGHGXDVYDULiYHLVHVWDWtVWLFDV
Q~PHUR
Q~PHUR
$SDJDGDGRVGHGXDVYDULiYHLVHVWDWtVWLFDV
0pGLDGH[H\
0pGLDGH[SRQGHUDGDSRU\
'HVYLRSDGUmRGDDPRVWUDGH[H\
'HVYLRSDGUmRGHSRSXODomRGH[H\
YDORU\
(VWLPDWLYDGH[HFRHILFLHQWHGHFRUUHODomR
YDORU[
(VWLPDWLYDGH\
,QWHUVHomR\HLQFOLQDomR
dados de
x
246
dados de
y
50 90 160
10B.book Page 19 Sunday, June 25, 2000 1:17 PM
20 Visão Rápida
Teclas: Visor: Descrição:
0,00
/LPSDRVUHJLVWUDGRUHV
HVWDWtVWLFRV
1,00
,QFOXLRSULPHLURSDU[\
2,00
,QFOXLRVHJXQGRSDU[\
3,00
,QFOXLRWHUFHLURSDU[\
4,00
([LEHDPpGLDGH[
100,00
([LEHDPpGLDGH\
2,00
([LEHRGHVYLRSDGUmR
GDDPRVWUDGH[
55,68
([LEHRGHVYLRSDGUmR
GDDPRVWUDGH\
–10,00
([LEHDLQWHUVHomR\GD
OLQKDGHUHJUHVVmR 
YDORUSURMHWDGRSDUD[ 

27,50
([LEHDLQFOLQDomRGD
OLQKDGHUHJUHVVmR
3,00
([LEHQQ~PHURGH
SRQWRVGHGDGRV
GLJLWDGRV
1.420,00
([LEH
Σ
[\VRPDWyULD
GRVSURGXWRVGRVYDORUHV
GH[H\
y
ˆ
10B.book Page 20 Sunday, June 25, 2000 1:17 PM
Visão Rápida 21
Teclas
1. Cálculo do Valor Temporal do
Dinheiro (página 53)
2. Tecla Input (página 28)
3. Tecla de Percentagem (página 33)
4. Constantes (página 37)
5. Utilização de Registradores
Numerados (página 40)
6. Formato de Números (página 24)
7. Tecla de Estatística (página 27)
8. Tecla de Prefixo (página 27)
9. Limpar mostrador, cancelar
operação (página 25)
10. Limpar Toda a memória (página 25)
11. Ligar (página 23)
12. Funções estatísticas (página 92)
13.
n
através Σ
xy
: regisstos de
somatório estatístico (página 93)
14. Memória de 3 teclas (página 39)
15. Backspace (página 25)
16. Dados estatísticos acumulados
(página 90)
17. Fluxos de caixa (página 77)
18. Funções Financeiras: margem,
margem de lucro, custo e preço
(página 35)
19. Conversão de juros (página 73)
20. Amortização (página 68)
21. Linhas indicadoras (página 26)
10B.book Page 21 Sunday, June 25, 2000 1:17 PM
10B.book Page 22 Sunday, June 25, 2000 1:17 PM
1: Instruções Iniciais 23
1
Instruções Iniciais
Ligando e Desligando a Calculadora
3DUDOLJDUDFDOFXODGRUD+3%,,SUHVVLRQH 3DUD
GHVOLJiODSUHVVLRQHDWHFODGHSUHIL[RODUDQMD
HHP
VHJXLGD
WDPEpPHVFULWD 
&RPRDFDOFXODGRUDSRVVXLPHPyULDFRQWtQXDVHX
GHVOLJDPHQWRQmRDIHWDDVLQIRUPDo}HVDUPD]HQ DGDV3DUD
HFRQRPL]DUHQHUJLDDFDOFXODGRUDGHVOLJDVH
DXWRPDWLFDPHQWHDSyVPLQXWRVGHRFLRVLGDGH$FDOFXODGRUDXVDGXDV
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24 1: Instruções Iniciais
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1: Instruções Iniciais 25
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26 1: Instruções Iniciais
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1: Instruções Iniciais 27
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28 1: Instruções Iniciais
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1: Instruções Iniciais 29
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30 1: Instruções Iniciais
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 RUHVXOWDGRp(TXHVLJQLILFD´XP
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VLJQLILFD´TXDWURPXOWLSOLFDGRSRUGH]HOHYDGRjGpFLPDVHJXQGDSRWrQFLD
QHJDWLYDµRX´FRPRSRQWRGHFLPDOGHVORFDGRFDVDVjHVTXHUGDµ
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5,727
5,727360000
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5,73
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10B.book Page 30 Sunday, June 25, 2000 1:17 PM
1: Instruções Iniciais 31
Exibição de Números com Precisão Total
3DUDSUHSDUDUDFDOFXODGRUDSDUDH[LELUQRYLVRUQ~PHURV
FRPDPDLRUSUHFLVmRSRVVtYHOSUHVVLRQH
]HURVj
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RVGtJLWRVGHXPQ~PHURQRYLVRU LQGHSHQGHQWHGR
IRUPDWR DWXDOGRYLVRUSUHVVLRQH
HPDQWHQKD
SUHVVLRQDGDDWHFOD
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WHFOD
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
Intercâmbio entre Ponto e Vírgula
3DUDDOWHUQDUHQWUHRSRQWRHDYtUJXODYLVRUGRV(8$H
LQWHUQDFLRQDOXWLOL]DGRVFRPRVHSDUDGRUHVGHFLPDLVH
VHSDUDGRUHVGHGtJLWRVSUHVVLRQH
3RUH[HPSORXPPLOKmRSRGHVHUH[LELGRFRPR
RX
Arredondamento de Números
$FDOFXODGRUDDUPD]HQ DHID]FiOFXORVXWLOL]DQGRQ~PHURV
FRPGtJLWRV4XDQGRQmRIRU GHVHMiYHODSUHFLVmRGH
GtJLWRVXWLOL]H
SDUDDUUHGRQGDU RQ~PHUR SDUDR
IRUPDWR H[LELGRQRYLVRUDQWHVGHXWLOL]iORHPFiOFXORV2
DUUHGRQGDPHQ WRGHQ~PHURV p~WLOTXDQGRIRUQHFHVViULR 
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10B.book Page 31 Sunday, June 25, 2000 1:17 PM
32 1: Instruções Iniciais
Mensagens
$+3%,,H[LEHPHQVD JHQVV REUHRV WDWXVGDFDOFXODGRUDRXLQIR UP D
VREUHXPDWHQWDWLYDGHRSHUDomRLQ FR UU HWD3DUDDSDJDUXPDP HQVDJ HP
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Teclas: Visor: Descrição:
9,87654321_
,QFOXLXPQ~PHURFRP
PDLVGHGXDVFDVDV
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9,88
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GHFLPDLV
987654321000
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10B.book Page 32 Sunday, June 25, 2000 1:17 PM
2: Percentagens para Negócios 33
2
Percentagens para Negócios
8WLOL]HD+3%,,SDUDFDOFXODUSHUFHQ WDJHQV VLPSOHVYDULDomR
SHUFHQWXDOFXVWRSUHoRPDUJHPHPDUJHP GHOXFUR
Tecla de Percentagem
$WHFOD WHPGXDVIXQo}HVHQFRQWUDUXPDSHUFHQWDJHP
HVRPDURXVXEWUDLUXPDSHUFHQWDJHP
Cálculo de uma Percentagem
$WHFOD GLYLGHXPQ~PHURSRUDPHQRVTXHVHMDSUHFHGLGDSRUXP
VLQDOGHDGLomRRXVXEWUDFomR
Exemplo. &DOFXODUGH
Teclas: Visor: Descrição:
200,00
'LJLWD
0,25
&RQYHUWHQXPYDORU
GHFLPDO
50,00
0XOWLSOLFDSRU
10B.book Page 33 Sunday, June 25, 2000 1:17 PM
34 2: Percentagens para Negócios
Adição ou Subtracção de uma Percentagem
eSRVVtYHODGLFLRQDURXVXEWUDLUXPDSHUF HQWDJHPQXPFiOFXOR
Exemplo. 5HGX]LUD
Exemplo. 8PDSHVV RDSHGHHPSUHVWDGRDXPSDUHQWHHFRPELQD
SDJDURHPSUpVWLP RFRPGHMXURVVLPSOHV4XDOVHUiRYDORUDVHU
SDJR"
Variação Percentual
&DOFXODDYDULDomRSHUFHQWXDOHQWUHGRLVQ~PHURVQ HQ 
H[SUHVVRFRPRXPDSHUFHQWDJHPGHQ
GLJLWDQGRVHQ
Q HHPVHJXLGDSUHVVLRQDQGR
Exemplo. &DOFXODUDYDULDomRSHUFHQWXDOHQWUHH

Teclas: Visor: Descrição:
200,00
'LJLWD
50,00
0XOWLSOLFDSRU

150,00
6XEWUDLGH
Teclas: Visor: Descrição:
87,50
&DOFXODRMXURGR
HPSUpVWLPR
1.337,50
6RPDH
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RYDORUDVDOGDUGR
HPSUpVWLPR
Teclas: Visor: Descrição:
291,70
,QVHUHQ
8,60
&DOFXODDYDULDomRSHU
FHQWXDO
10B.book Page 34 Sunday, June 25, 2000 1:17 PM
2: Percentagens para Negócios 35
Exemplo. &DOFXOHDYDULDomRSHUFHQWXDOHQWUHïH
Cálculos de Margem e Margem de Lucro
$+3%,,SRGHFDOFXODUFXVWRSUHoRGHYHQGDPDUJHPRXPDUJHPGH
OXFUR
3DUDYHUTXDOTXHUYDORUXWLOL]DGRSHODDSOLFDomRGH0DUJHPH0DUJHPGH
/XFURSUHVVLRQH
HHPVHJXLGDDWHFODTXHGHVHMDYHU3RUH[HPSOR
SDUDYHURYDORUDUPD]HQDGRFRPR
SUHVVLRQH 0DUJHPH
0DUJHPGH/XFURFRPSDUWLOKDPRPHVPRUHJLVWRGHDUP D]HQDPHQWR
3RUH[HPSORVHRXWLOL]DGRUDUPD]HQDUHP
HHPVHJXLGD
SUHVVLRQDU
VHUiH[LELGR
Cálculos de Margem
Exemplo. $.LORZDWW(OHFWURQLFVFRPSUDWHOHYLV} HVSRU $V
WHOHYLV}HVVmRYHQGLGDVSRU4XDOpDPDUJHP"
Teclas: Visor: Descrição:
60,00
&DOFXODHLQVHUHQ
38,33
&DOFXODDYDULDomRSHU
FHQWXDO
Aplicação Teclas Descrição
0DUJHP
, ,
$PDUJHPpXPDFUpVFLPR
H[SUHVVRFRPRXPDSHUFHQWD
JHPGRSUHoR
0DUJHPGH/XFUR
, ,
&iOFXORVGHPDUJHPGHOXFUR
VmRH[SUHVVRVFRPRXPDSHU
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Teclas: Visor: Descrição:
255,00
$UPD]HQDRFXVWRHP
&67
300,00
$UPD]HQDRSUHoRGH
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15,00
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10B.book Page 35 Sunday, June 25, 2000 1:17 PM
36 2: Percentagens para Negócios
Margem de Lucro em Cálculos de Custo
Exemplo. $PDU JHPGHOXFURSDGUmRVREUHELMXWHULDVQD.OH LQHU·V
.RVPHWLTXHpGH$ORMDDFDERXGHUHFHEHUXPORWHGHJ DUJDQWLOKDV 
TXHFXVWDUDPFDGD4XDOVHUiRSUHoRGHU HWDOKRSRUSHoD"
Uso de Margem e Margem de Lucro Juntos
Exemplo.8 PDFRRSHUDWLYDGHDOLPHQWRVFRPSUDFDL[DVGHVRSDHQODWDGD
FRPXPFXVWRGHIDFWXUDGHSRUFDL[D6HDFRR SHUDWLYDXVD
JHUDOPHQWHXPDPDUJHPGHOXFURGHTXDOGHYHUiVHURSUHo RFREUDGR
SRUFDL[DGHVRSD"4XDOpDPDUJ HP"
Teclas: Visor: Descrição:
19,00
$UPD]HQDRFXV WR
60,00
$UPD]HQDDPDU JHP
GHOXFUR
30,40
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UHWDOKR
Teclas: Visor: Descrição:
9,60
$UPD]HQDFXVWRGH
IDFWXUD
15,00
$UPD]HQDDPDU JHP
GHOXFUR
11,04
&DOFXODRSUHoRVREUH
XPDFDL[DGHVRSD
13,04
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10B.book Page 36 Sunday, June 25, 2000 1:17 PM
3: Armazenamento de Números e Aritmética 37
3
Armazenamento de Números e
Aritmética
Utilização de Números Armazenados para se
Efetuar Cálculos
eSRVVtYHODUPD]HQDUQ~PHURVSDUDXWLOL]DomRSRVWHULRUGHYiULDV
IRUPDV
8VDQGR &RQVWDQWHSDUDDUPD]HQDUXPQ~PHURHVHXRSHUDGRU
SDUDRSHUDo}HVUHSHWLWLYDV
8VDQGRDVWUrV7HFODVGH0HPyULD  H SDUDDUPD]HQDU
UHFXSHUDUHVRPDUQ~PHURVSUHVVLRQDQGRXPD~QLFDWHFOD
8VDQGR H SDUDDUPD]HQDUHUHFXSHUDUGDGRVDSDUWLUGRV
UHJLVWUDGRUHVQXPHUDGRV
Utilização de Constantes
8WLOL]H SDUDDUPD]HQDUXPQ~PHURHRRSHUDGRU
DULWPpWLFRSDUDFiOFXORVUHSHWLWLYRV'HSRLVGHDUPD]HQDU
DRSHUDomRFRQVWDQWHGLJLWHXPQ~PHURHSUHVVLRQH
$
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QRYLVRU
10B.book Page 37 Sunday, June 25, 2000 1:17 PM
38 3: Armazenamento de Números e Aritmética
Exemplo. &DOFXODUH
Exemplo. &DOFXODUH
Exemplo. &DOFXODU H
Teclas Operação
Q~PHUR
$UPD]HQD´Q ~PHURµFRPRFRQVWDQWH
Q~PHUR
$UPD]HQD´²Q~PHURµFRPRFRQVWDQWH
Q~PHUR
$UPD]HQD´ïQ ~PHURµFRPRFRQVWDQWH
Q~PHUR
$UPD]HQD´¸Q~PHURµFRPRFRQVWDQWH
YDORU[
$UPD]HQD´\ µFRPRFRQVWDQWH
Q~PHUR
%
$UPD]HQD´Q ~PHURµFRPRFRQVWDQWH
Q~PHUR
%
$UPD]HQD´²Q~PHURµFRPRFRQVWDQWH
Q~PHUR
%
$UPD]HQD´ïQ ~PHURµFRPRFRQVWDQWH
Q~PHUR
%
$UPD]HQD´¸Q~PHURµFRPRFRQVWDQWH
Teclas: Visor: Descrição:
2,00
$UPD]HQD´µFRPR
FRQVWDQWH
7,00
6RPD
8,00
6RPD
9,00
6RPD
Teclas: Visor: Descrição:
1,00
$UPD]HQD´µ
FRPRFRQVWDQWH
11,00
6RPDD
12,10
6RPDD
27,50
6RPDD
Teclas: Visor: Descrição:
3,00
$UPD]HQD´\ µFRPR
FRQVWDQWH
8,00
&DOFXOD
64,00
&DOFXOD
10B.book Page 38 Sunday, June 25, 2000 1:17 PM
3: Armazenamento de Números e Aritmética 39
Utilização do Registrador M
$VWHFODV  H H[HFXWDPRSHUDo}HVGHPHPyULD
HPXP~QLFRUHJLVWUDGRUGHDUPD]HQDPHQWRFKDPDGR
UHJLVWUDGRU01DPDLRULDGRVFDVRVQmRpQHFHVViULR
DSDJDURUHJLVWUDGRU0MiTXH
VXEVWLWXLRFRQWH~GR
DQWHULRU(QWUHWDQWRpSRVVtYHODSDJDURFRQWH~GRGR
UHJLVWUDGRU0SUHVVLRQDQGR
3DUDDGLFLRQDUXPD
VpULHGHQ~PHURVDRUHJLVWUDGRU0XVH
SDUD
DUPD]HQDURSULPHLURQ~PHURH
SDUDVRPDURVQ~PHURVVHJXLQWHV
3DUDVXEWUDLURQ~PHURH[LELGRGRQ~PHURWRWDOL]DGRQRUHJLVWUDGRU0
SUHVVLRQH
VHJXLGRGH
Exemplo.8VHRUHJLVWUDGRU0SDUDVRPDUH'HSRLV
VXEWUDLDHUHFXSHUHRUHVXOWDGR
Teclas Descrição
$UPD]HQDRQ~PHURH[LELGRQRUHJLVWUDGRU0
5HFXSHUDRQ~PHURGRUHJLVWUDGRU0
$FUHVFHQWDRQ~PHURH[LELGRDRUHJLVWUDGRU0
Teclas: Visor: Descrição:
17,00
$UPD]HQDQR
UHJLVWUDGRU0
14,25
$GLFLRQDDR
UHJLVWUDGRU0
16,95
$GLFLRQDDR
UHJLVWUDGRU0
–4,65
$GLFLRQDDR
UHJLVWUDGRU0
43,55
5HFXSHUDRFRQWH~GR
GRUHJLVWUDGRU0
10B.book Page 39 Sunday, June 25, 2000 1:17 PM
40 3: Armazenamento de Números e Aritmética
Utilização de Registradores Numerados
$VWHFODV H DFHVVDPRVUHJLVWUDGRUHVGR
XVXiULR$WHFOD
pXVDGDSDUDFRSLDURQ~PHUR
H[LELGRSDUDXPUHJLVWUDGRUGHVLJQDGR$WHFOD
pXVDGD
SDUDFRSLDUXPQ~PHURGHXPUHJLVWUDGRUSDUDRYLVRU
3DUDDUPD]HQDURXUHFXSHUDUXPQ~PHURHPGXDVHWDSDV
 3UHVVLRQH
RX 3DUDFDQFHODUHVVDHWDSDSUHVVLRQH RX

 'LJLWHRQ~PHURGRUHJLVWUDGRUD
1RH[HPSORDEDL[RGRLVUHJLVWUDGRUHVGHDUPD]HQDPHQWRVmRXVDGRV
&DOFXOHRVHJXLQWH
H
&RPH[FHomRGHHVWDWtVWLFDVWDPEpPpSRVVtYHOXVDU
H SDUD
UHJLVWUDGRUHVGHDSOLFDo}HV3RUH[HPSOR
DUPD]HQDRQ~PHUR
H[LELGRQRYLVRUQRUHJLVWUDGRU
FRSLDRFRQWH~GRGH
SDUDRYLVRU
Teclas: Visor: Descrição:
475,60
$UPD]HQD
Q~PHURH[LELGRHP
5
39,15
$UPD]HQDHP
5
12,15
([HFXWDRSULPHLUR
FiOFXOR
475,60
5HFXSHUD5
39,15
5HFXSHUD5
26,45
([HFXWDRVHJXQGR
FiOFXOR

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
 
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
10B.book Page 40 Sunday, June 25, 2000 1:17 PM
3: Armazenamento de Números e Aritmética 41
1DPDLRULDGRVFDVRVQmRpQHFHVViULRDSDJDURFRQWH~GRGHXP
UHJLVWUDGRUGHDUPD]HQDPHQWRMiTXHRDUPD]HQDPHQWRGHXPQ~PHUR
VXEVWLWXLRFRQWH~GRDQWHULRU(QWUHWDQWRpSRVVtYHODSDJDURFRQWH~GR
GHXPUHJLVWUDGRUDUPD]HQDQGRQHOH3DUDDSDJDUWRGRVRV
UHJLVWUDGRUHVGHXPDVyYH]SUHVVLRQH

Execução de Cálculos Aritméticos em Registradores
eSRVVtYHOH[HFXWDUFiOFXORVDULWPpWLFRVGHQWURGRVUHJLVWUDGRUHVGH
DUPD]HQDPHQWR5
D5 2UHVXOWDGRpDUPD]HQDGRQRUHJLVWUDGRU
Exemplo. $UPD]HQDUHP5 PXOWLSOLFDUSRUHDUPD]HQDUR
UHVXOWDGRHP5
Teclas Novo número no registrador
Q~PHURGRU HJLVWUDGRU &RQWH~GRDQWHULRUQ~PHURH[LELGR
Q~PHURGRU HJLVWUDGRU &RQWH~GRDQWHULRU²Q~PHURH[LELGR
Q~PHURGRU HJLVWUDGRU &RQWH~GRDQWHULRUïQ~PHURH[LELGR
Q~PHURGRU HJLVWUDGRU &RQWH~GRDQWHULRU¸Q~PHURH[LELGR
Teclas: Visor: Descrição:
45,70
$UPD]HQDHP5
2,50
0XOWLSOLFDHP5
SRUHDUPD]HQDR
UHVXOWDGRHP
5
114,25
([LEH5
10B.book Page 41 Sunday, June 25, 2000 1:17 PM
42 3: Armazenamento de Números e Aritmética
Execução de Cálculos Aritméticos
)XQo}HVPDWHPiWLFDVDWXDPVREUHRQ~PHURH[LELGRQR
YLVRU
Exemplo. &DOFXODU HHPVHJXLGDFDOFXODU 
Exemplo. &DOFXODURORJDULWPRQDWXUDOH (PVHJXLGDFDOFXODU

Teclas: Visor: Descrição:
0,25
&DOFXODRUHFtSURFRGH

4,47
&DOFXOD
√

51,67
&DOFXOD
√

1,21
&DOFXOD
52,88
([HFXWDRFiOFXOR
Teclas: Visor: Descrição:
12,18
&DOFXODH
2,50
&DOFXODRORJDULWPR
QDWXUDOGRUHVXOWDGR
24,00
&DOFXODRIDWRULDOGH
814,00
([HFXWDRFiOFXOR

10B.book Page 42 Sunday, June 25, 2000 1:17 PM
3: Armazenamento de Números e Aritmética 43
Operador de Potenciação
2RSHUDGRUGHSRWHQFLDomR HOHYDRQ~PHURDQWHULRU
YDORU\jSRWrQFLDGRQ~PHURVHJXLQWHYDORU[
Exemplo. &DOFXODU HHPVHJXLGDHQFRQWUDUDUDL]F~ELFDGH
Utilização de Parênteses em Cálculos
8WLOL]HSDUrQWHVHVSDUDDGLDURFiOFXORGHXPUHVXOWDGRLQWHUPHGLiULRH
SRGHUGLJLWDUPDLVQ~PHURVeSRVVtYHOGLJLWDUDWpTXDWURSDUrQWHVHV
DEHUWRVHPFDGDFiOFXOR&RPRH[HPSORVXSRQKDPRVRVHJXLQWHFiOFXOR
6HIRUGLJLWDGR
pH[LELGRRUHVXOWDGRLQWHUPHGLiULR
,VVRRFRUUHSRUTXHRVFiOFXORVVHPSDUrQWHVHVVmRH[HFXWDGRVGD
HVTXHUGDSDUDDGLUHLWDFRQIRUPHVmRGLJLWDGRV
3DUDTXHDGLYLVmRVHMDDWUDVDGDDWpTXHRXVXiULRWHQKDVXEWUDtGRGH
VmRXVDGRVRVSDUrQWHVHV2VSDUrQWHVHVGHIHFKDPHQWRTXHILFDPDR
ILPGDH[SUHVVmRSRGHPVHURPLWLGRV3RUH[HPSORDGLJLWDomRGH´
÷
ï µpHTXLYDOHQWHD´
÷
ï µ
Teclas: Visor: Descrição:
1.953.125,00
&DOFXOD
5,00
&DOFXODDUDL]F~ELFDGH
RX

 
–()
----------------------
×
10B.book Page 43 Sunday, June 25, 2000 1:17 PM
44 3: Armazenamento de Números e Aritmética
Teclas: Visor: Descrição:
85,00
1HQKXPFiOFXORDLQGD
73,00
&DOFXOD²
0,41
&DOFXOD
÷

3,70
0XOWLSOLFDRUHVXOWDGR
SRU
10B.book Page 44 Sunday, June 25, 2000 1:17 PM
4: Identificação de Problemas Financeiros 45
4
Identificação de Problemas
Financeiros
Como abordar um Problema Financeiro
2YRFDEXOiULRILQDQFHLURGD+3%,,pVLPSOLILFDGRSDUDVHDSOLFDUD
WRGRVRVFDPSRVILQDQFHLURV3RUH[HPSORDVXDiUHDSRGHXVDURV
WHUPRVVDOGRSDJDPHQWREDOmRUHVLGXDOYDORUQRYHQFLPHQWRRXVDOGRUHVWDQWHSDUD
GHVLJQDUXPYDORUTXHD+3%,,FRQKHFHFRPR
YDORUIXWXUR
$WHUPLQRORJLDVLPSOLILFDGDGD+3%,,WHPFRPREDVHGLDJUDPDVGH
IOX[RGHFDL[DTXHVmRLOXVWUDo}HVGHSUREOHPDVILQDQFHLURVPRVWUDQGR
IOX[RVGHFDL[DDRORQJRGRWHPSR'HVHQKDUXPGLDJUDPDGHIOX[RGH
FDL[DpDSULPHLUDHWDSDGDVROXomRGHXPSUREOHPDILQDQFHLUR
2GLDJUDPDGHIOX[RGHFDL[DDEDL[RUHSUHVHQWDLQYHVWLPHQWRVQXP
IXQGRP~WXR2LQYHVWLPHQWRRULJLQDOIRLGHVHJXLGRGH
LQYHVWLPHQWRVGHHDRILPGRWHUFHLURHVH[WRPHVHV
$RILPGRGpFLPRSULPHLURPrVIRUDPVDFDGRV$RILPGR
GpFLPRVH[WRPrVIRUDPVDFDGRV
CHAPT_4.FM Page 45 Sunday, June 25, 2000 2:37 PM
46 4: Identificação de Problemas Financeiros
4XDOTXHUH[HPSORGHIOX[RGHFDL[DSRGHVHUUHSUHVHQWDGRSRUXP
GLDJUDPDGHIOX[RGHFDL[DPHGLGDTXHRGLDJUDPDIRUGHVHQKDGRR
XWLOL]DGRUGHYHLGHQWLILFDURTXHFRQKHFHHGHVFRQKHFHHPUHODomRj
WUDQVDFomR
2WHPSRpUHSUHVHQWDGRSRUXPDOLQKDKRUL]RQWDOGLYLGLGDHPSHUtRGRV
GHWHPSRUHJXODUHV2VIOX[RVGHFDL[DVmRFRORFDGRVQDOLQKDKRUL]RQWDO
QRSHUtRGRGHWHPSRHPTXHRFRUUHP4XDQGRQmRKRXYHUVHWDV
GHVHQKDGDVQmRRFRUUHUDPIOX[RVGHFDL[D
Sinais de Fluxos de Caixa
(PGLDJUDPDVGHIOX[RGHFDL[DRGLQKHLURLQYHVWLGRpPRVWUDGRFRPR
QHJDWLYRHRGLQKHLURUHWLUDGRpPRVWUDGRFRPRSRVLWLYR$VDtGDGHIOX[R
GHFDL[DpQHJDWLYDDHQWUDGDGHIOX[RGHFDL[DpSRVLWLYD
3RUH[HPSORGDSHUVSHFWLYDGRILQDQFLDGRURVIOX[RVGHFDL[DSDUD
FOLHQWHVGHHPSUpVWLPRVVmRUHSUHVHQWDGRVFRPRQHJDWLYRV'DPHVPD
IRUPDTXDQGRXPILQDQFLDGRUUHFHEHGLQKHLURGHFOLHQWHVRVIOX[RVGH
FDL[DVmRUHSUHVHQWDGRVFRPRSRVLWLYR$RFRQWUiULRGDSHUVSHFWLYDGR
ILQDQFLDGRRGLQKHLURWRPDGRFRPRHPSUpVWLPRpSRVLWLYRHQTXDQWRR
YDORUSDJRDRILQDQFLDGRUpQHJDWLYR
CHAPT_4.FM Page 46 Sunday, June 25, 2000 2:37 PM
4: Identificação de Problemas Financeiros 47
Períodos e Fluxos de Caixa
$OpPGDFRQYHQomRGHVLQDLVVDtGDGHFDL[DpQHJDWLYDHQWUDGDGHFDL[Dp
SRVLWLYDHPGLDJUDPDVGHIOX[RGHFDL[DH[LVWHPYiULDVRXWUDV
FRQVLGHUDo}HV
$OLQKDGHWHPSRpGLYLGLGDHPLQWHUYDORVGHWHPSRLJXDLV2
SHUtRGRPDLVFRPXPpXPPrVSRUpPSHUtRGRVGLiULRVWULPHVWUDLV
HDQXDLVWDPEpPVmRFRPXQV2SHUtRGRpQRUPDOPHQWHGHILQLGR
SRUFRQWUDWRHGHYHVHUFRQKHFLGRDQWHVGRLQtFLRGRVFiOFXORV
3DUDVROXFLRQDUXPSUREOHPDILQDQFHLURFRPD+3%,,WRGRVRV
IOX[RVGHFDL[DGHYHPRFRUUHUQRLQtFLRRXQRILPGHXPSHUtRGR
6HPDLVGHXPIOX[RGHFDL[DRFRUUHUQRPHVPRSRQWRGRGLDJUDPD
GHIOX[RGHFDL[DHOHVVmRDJUHJDGRVRXFRPSHQVDGRV3RUH[HPSOR
XPIOX[RGHFDL[DQHJDWLYRGHHXPIOX[RGHFDL[DSRVLWLYR
GHRFRUUHQGRDRPHVPRWHPSRQRGLDJUDPDGHIOX[RGH
FDL[DVmRLQIRUPDGRVFRPRXPIOX[RGHFDL[DGH²

8PDWUDQVDFomRILQDQFHLUDYiOLGDGHYHWHUSHORPHQRVXPIOX[RGH
FDL[DSRVLWLYRHRXWURQHJDWLYR
Juro Simples e Juro Composto
2VFiOFXORVILQDQFHLURVEDVHLDPVHQRIDFWRGHTXHRGLQKHLURUHQGH
MXURVDRORQJRGRWHPSR([LVWHPGRLVWLSRVGHMXURVVLPSOHVH
FRPSRVWR$EDVHSDUDFiOFXORVGR9DORU7HPSRUDOGR'LQKHLURHGR
IOX[RGHFDL[DpRMXURFRPSRVWR
Juro Simples
(PFRQWUDWRVGHMXURVVLPSOHVRMXURpXPDSHUFHQWDJHPGDLPSRUWkQFLD
RULJLQDO2MXURHDLPSRUWkQFLDSULQFLSDOGHYHPVHUSDJDVDRILPGR
FRQWUDWR3RUH[HPSORVXSRQKDPRVTXH$HPSUHVWHD%SRUXP
DQR(VWHSDJDUiD$FRPGHMXURVVLPSOHV$RILPGRDQR%GHYHD
$pGH2VFiOFXORVGHMXURVVLPSOHVVmRIHLWRV
XVDQGRDWHFOD
GD+3%,,9HMDXPH[HPSORGHFiOFXORGHMXUR
VLPSOHVQDSiJLQD
CHAPT_4.FM Page 47 Sunday, June 25, 2000 2:37 PM
48 4: Identificação de Problemas Financeiros
Juro Composto
8PFRQWUDWRGHMXURFRPSRVWRpFRPRXPDVpULHGHFRQWUDWRVGHMXUR
VLPSOHVFRQHFWDGRV$GXUDomRGHFDGDFRQWUDWRGHMXURVLPSOHVpLJXDOD
XPSHUtRGRGHFRPSRVLomR$RILPGHFDGDSHUtRGRRMXURJDQKRHP
FDGDFRQWUDWRGHMXURVLPSOHVpDGLFLRQDGRjLPSRUWkQFLDSULQFLSDO3RU
H[HPSORXPGHSyVLWRGHQXPDFRQWDGHSRXSDQoDTXHSDJD
GHMXURVDQXDLVFRPSRVWRVPHQVDOPHQWHSURGX]UHQGLPHQWRQR
SULPHLURPrVLJXDODRGHXPFRQWUDWRGHMXURVLPSOHVSDUDXPPrVDó
¸$RILPGRSULPHLURPrVRVDOGRGDFRQWDVHUiGH
póGH
1RVHJXQGRPrVRPHVPRSURFHVVRDFRQWHFHVREUHRQRYRVDOGRGH
2YDORUGRVMXURVSDJRVDRILPGRVHJXQGRPrVVHUiGHó
GHRX2SURFHVVRGHFRPSRVLomRFRQWLQXDUiQR
WHUFHLURTXDUWRHTXLQWRPHVHV2VUHVXOWDGRVLQWHUPpGLRVGHVWD
LOXVWUDomRIRUDPDUUHGRQGDGRVSDUDGyODUHVHFHQWDYRV
$SDODYUDFRPSRVWRHPMXURFRPSRVWRWHPRULJHPQDLGHLDGHTXHRVMXURV
JDQKRVDQWHULRUPHQWHVmRLQFRUSRUDGRVjLPSRUWkQFLDSULQFLSDO$VVLP
HODSRGHUHQGHUPDLVMXURV2VUHFXUVRVGHFiOFXORVILQDQFHLURVGD+3
%,,VmREDVHDGRVQRVMXURVFRPSRVWRV
CHAPT_4.FM Page 48 Sunday, June 25, 2000 2:37 PM
4: Identificação de Problemas Financeiros 49
Taxas de Juros
$RDERUGDUXPSUREOHPDILQDQFHLURpLPSRUWDQWHUHFRQKHFHUTXHDWD[D
GHMXURVRXWD[DGHUHWRUQRSRGHVHUGHVFULWDGHSHORPHQRVWUrVIRUPDV
GLIHUHQWHV
&RPRXPDWD[DSHULyGLFD(VWDpDWD[DDSOLFDGDDRVHXGLQKHLURGH
SHUtRGRHPSHUtRGR
&RPRXPDWD[DQRPLQDODQXDOeDWD[DSHULyGLFDPXOWLSOLFDGDSHOR
Q~PHURGHSHUtRGRVHPXPDQR
&RPRXPDWD[DHIHFWLYDDQXDOeDWD[DTXHFRQVLGHUDDFRPSRVLomR
1RH[HPSORDQWHULRUGHXPDFRQWDGHSRXSDQoDGHDWD[D
SHULyGLFDpGHóSRUPrVFRWDGDVFRPRXPDWD[DQRPLQDODQXDOGH
óï(VVDPHVPDWD[DSHULyGLFDSRGHULDVHUFRWDGDFRPRXPD
WD[DHIHFWLYDDQXDOTXHFRQVLGHUDDFRPSRVLomR2VDOGRDSyVPHVHV
GHFRPSRVLomRpGHVLJQLILFDQGRTXHDWD[DGHMXURVHIHFWLYD
DQXDOpGH
([HPSORVGHFRQYHUVmRHQWUHDVWD[DVQRPLQDLVHHIHFWLYDVDQXDLVSRGHP
VHUHQFRQWUDGRVQDVSiJLQDVD
Dois Tipos de Problemas Financeiros
2VSUREOHPDVILQDQFHLURVGHVWHPDQXDOXVDPMXURVFRPSRVWRVDPHQRV
TXHVHMDHVSHFLILFDPHQWHLQGLFDGRRXVRGHFiOFXORVGHMXURVVLPSOHV2V
SUREOHPDVILQDQFHLURVVmRGLYLGLGRVHPGRLVJUXSRVSUREOHPDV790H
SUREOHPDVGHIOX[RVGHFDL[D
Reconhecimento de um Problema TVM
6HRFRUUHUHPIOX[RVGHFDL[DXQLIRUPHVHQWUHRSULPHLURHR~OWLPR
SHUtRGRVGRGLDJUDPDGHIOX[RGHFDL[DRSUREOHPDILQDQFHLURpGRWLSR
790YDORUWHPSRUDOGRGLQKHLUR&LQFRWHFODVSULQFLSDLVVmRXVDGDV
SDUDVROXFLRQDUXPSUREOHPD790
CHAPT_4.FM Page 49 Sunday, June 25, 2000 2:37 PM
50 4: Identificação de Problemas Financeiros
2XWLOL]DGRUSRGHFDOFXODUTXDOTXHUYDORUDSyVGLJLWDURVRXWURVTXDWUR
YDORUHV'LDJUDPDVGHIOX[RGHFDL[DSDUDHPSUpVWLPRVKLSRWHFDV
DOXJXHUHVFRQWDVGHSRXSDQoDRXTXDOTXHUFRQWUDWRFRPIOX[RVGHFDL[D
UHJXODUHVGRPHVPRPRQWDQWHVmRJHUDOPHQWHWUDWDGRVFRPRSUREOHPDV
7902H[HPSORDEDL[RPRVWUDXPGLDJUDPDGHIOX[RGHFDL[DGD
SHUVSHFWLYDGRILQDQFLDGRSDUDXPDKLSRWHFDGHDQRVQRYDORUGH
FRPSDJDPHQWRGHMXURDQXDOGHH
SDJDPHQWREDOmRGH
8PGRVYDORUHVGH39307H)9 SRGHVHU]HUR2H[HPSORVHJXLQWHp
XPGLDJUDPDGHIOX[RGHFDL[DGDSHUVSHFWLYDGRDIRUUDGRUSDUDFRQWDV
GHSRXSDQoDFRPXP~QLFRGHSyVLWRHXPD~QLFDUHWLUDGDDSyVFLQFR
DQRV2VMXURVVmRFRPSRVWRVPHQVDOPHQWH1HVWHH[HPSOR370p]HUR
1~PHURGHSHUtRGRVRXSDJDPHQWRV
7D[DSHUFHQWXDOGHMXURDQXDOJHUDOPHQWHDWD[DQRPLQDODQXDO
9DORUDFWXDORIOX[RGHFDL[DQRLQtFLRGDOLQKDGHWHPSR
3DJDPHQWRSHULyGLFR
9DORUIXWXURRIOX[RGHFDL[DDRILPGRGLDJUDPDGHIOX[RGH
FDL[DDOpPGHTXDOTXHUSDJDPHQWRSHULyGLFRUHJXODU
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4: Identificação de Problemas Financeiros 51
2VFiOFXORVGRYDORUWHPSRUDOGRGLQKHLURVmRGHVFULWRVQRFDStWXOR
VHJXLQWH
Reconhecendo um Problema de Fluxo de Caixa
8PSUREOHPDILQDQFHLURTXHQmRUHFHEHSDJDPHQWRVUHJXODUHVH
XQLIRUPHVjVYH]HVFKDPDGRVGHIOX[RVGHFDL[DLUUHJXODUHVpXP
SUREOHPDGHIOX[RGHFDL[DHQmRXPSUREOHPD790
2H[HPSORDEDL[RpXPGLDJUDPDGHIOX[RGHFDL[DSDUDXPLQYHVWLPHQWR
QXPIXQGRP~WXR(VVHpRWLSRGHSUREOHPDTXHSRGHVHUVROXFLRQDGR
XVDQGR
9DORU$FWXDO/tTXLGRRX 7D[D,QWHUQDGH
5HWRUQR$QXDO
2VSUREOHPDVGHIOX[RGHFDL[DVmRGHVFULWRVQRFDStWXOR
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5: Cálculo do Valor Temporal do Dinheiro 53
5
Cálculo do Valor Temporal do
Dinheiro
Utilização da Aplicação TVM
$DSOLFDomRYDORUWHPSRUDOGRGLQKHLUR790pXVDGD
SDUDFRPSRUFiOFXORVGHMXURVTXHHQYROYHPIOX[RVGH
FDL[DXQLIRUPHVHUHJXODUHVFKDPDGRVSDJDPHQWRV
'HSRLVGRVYDORUHVVHUHPLQIRUPDGRVSRGHVHHIHFWXDUD
YDULDomRGHXPYDORUGHFDGDYH]VHPSUHFLVDUGHGLJLWDU
RVYDORUHVQRYDPHQWH
3DUDXVDUR790YiULRVSUpUHTXLVLWRVGHYHPVHUDWHQGLGRV
2YDORUGHFDGDSDJDPHQWRGHYHVHURPHVPR6HRVYDORUHVGH
SDJDPHQWRVYDULDUHPGHYHPVHUXVDGRVRVSURFHGLPHQWRVGHVFULWRV
QRFDStWXOR´&iOFXORVGH)OX[RVGH&DL[Dµ
2VSDJDPHQWRVGHYHPRFRUUHUHPLQWHUYDORVUHJXODUHV
2SHUtRGRGHSDJDPHQWRGHYHFRLQFLGLUFRPRSHUtRGRGH
FRPSRVLomRGRVMXURV6HLVVRQmRDFRQWHFHUGHYHVHFRQYHUWHUD
WD[DGHMXURXVDQGRVHDVWHFODV
 H GHVFULWDVQD
SiJLQD
'HYHPH[LVWLUSHORPHQRVXPIOX[RGHFDL[DSRVLWLYRHRXWUR
QHJDWLYR
10B.book Page 53 Sunday, June 25, 2000 1:17 PM
Índice remissivo 147
(VWDWtVWLFDVFR PXPD YD ULiYHO 
(VWDWtVWLFDV
DSDJDPHQWR

GHVYLRSDGUmR
, 
GXDVYDULiYHLV
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, 
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790
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+LSRWHFD VFDQ DGHQ VHV

+LSRWHFDVUHILQDQFLDGDV
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+LSRWHFD V
FDQDGHQVHV
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INT 
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FiOFXOR
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10B.book Page 137 Sunday, June 25, 2000 1:17 PM
… 147 …

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Andere Handbücher von HP 10bII

HP 10bII Bedienungsanleitung - Deutsch - 158 seiten

HP 10bII Bedienungsanleitung - Englisch - 144 seiten

HP 10bII Bedienungsanleitung - Holländisch - 150 seiten

HP 10bII Bedienungsanleitung - Französisch - 154 seiten

HP 10bII Bedienungsanleitung - Spanisch - 154 seiten


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