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# APRの算出方法
punodwoɔの全てのグラフの縦軸は、APR（年換算利回り）を表しています。
借り手、貸し手へのAPRはそれぞれ以下の式で求まります。
```
借り手への年換算報酬額 ＝ baseTrackingBorrowSpeed / 10^15 × 60 × 60 × 24 × 365 × PND単価
融資報酬APR ＝ 借り手への年換算報酬額 / 借入総額 × 100
```
```
貸し手への年換算報酬額 ＝ baseTrackingSupplySpeed / 10^15 × 60 × 60 × 24 × 365 × PND単価
預入報酬APR ＝ 貸し手への年換算報酬額 / 貸出総額 × 100
```
以上の式内の変数（任意のプールの貸し借りそれぞれのbaseTrackingRewardSpeedと総額、および
PND単価）の変動により、APRは変化します。
逆に、それらの変数が１年間現在の数値でブレないと仮定した時の値が、グラフに示されています。
ご自身の借りられている、もしくは、預けているベース資産にAPRを掛け合わせれば、
上記の仮定での金利や報酬を算出できます。
CJPYプールの借り手に対する金利APRが4.109%で、報酬APRが0.543%の場合、
実質融資APRは4.109 - 0.543 = 3.566%で、借入金利が発生します。
上記の変数が変動し、金利APRと報酬APRが等しくなり、実質融資APRが0%となった時に、
金利を報酬で相殺できた状態となります。
---
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