每年付息1次:现值=1000×10%×(P/A,8%,2)+1000×(P/F,8%,2)=100×1.7833+1000×0.8573=1035.63每半年年付息1次:现值=1000×10%/2×(P/A,8%/2,2)+1000×(P/F,8%/2,2)=50×3.6299+1000×0.8548=1036.3