在提前消费的指导思想,并银行、商户和消费者的三方利好优势下,分期付款的消费行为,已迅速进入百姓生活,成为人们日常消费的重要组成部分。利用高中所学等比数列求和的数学原理,建立购物消费的数学模型,并编出数学模型的相应算法,使消费者科学、便捷、有比较的选择自己的分期付款方式,满足个人消费需求。 With the guiding ideology of early consumption and the favorable advantages of banks, merchants and consumers, the consumer behavior of installments has rapidly entered into people's lives and become an important part of people's daily consumption. Using mathematics principle of summation of geometric series in high school, this paper establishes a mathematical model of shopping consumption and compiles the corresponding algorithm of mathematical model so that consumers can choose their own installment method scientifically, conveniently and comparatively to meet personal consumption demand .