java银行利息计算

在Java中，银行利息计算通常涉及到复利公式，特别是对于定期存款和贷款。以下是一个简单的例子：

public class InterestCalculator {
    private double principal; // 原始本金
    private double annualInterestRate; // 年利率
    private int years; // 存款或贷款年数
    private boolean isCompoundedAnnually; // 利息是否按年计

    public InterestCalculator(double principal, double interestRate, int years) {
        this.principal = principal;
        this.annualInterestRate = interestRate / 100; // 转换成小数形式
        this.years = years;
    }

    // 按年复利计算
    public double calculateSimpleInterest() {
        return principal * annualInterestRate * years;
    }

    // 按年复利并考虑年内多次计息
    public double calculateCompoundInterest() {
        double compoundInterest = principal * Math.pow(1 + annualInterestRate, years);
        return compoundInterest - principal;
    }

    public static void main(String[] args) {
        double initialBalance = 10000; // 例如初始存款额
        double rate = 2.5; // 例如年利率2.5%
        int termYears = 5; // 例如5年期限

        InterestCalculator calculator = new InterestCalculator(initialBalance, rate, termYears);
        double simpleInterest = calculator.calculateSimpleInterest();
        double compoundInterest = calculator.calculateCompoundInterest();

        System.out.println("简单利息: " + simpleInterest);
        System.out.println("复利利息: " + compoundInterest);
    }
}

在这个示例中，`calculateSimpleInterest()`和`calculateCompoundInterest()`分别实现了简单利息和复利的计算。用户可以根据实际需要选择合适的计算方式。