本息剥离算法

假设提前还款100元，其中需要剥离出其中多少还本、多少还息，如何计算：

100=本金P+利息I

     =P + P*日利率IR*计息天数N

     =P（1+IR*N）

其中IR与N（应计天数）已知，可以得到P，然后I=100-P。

Assuming an early repayment of 100 yuan, how much of it is principal and how much is interest?

100= Principal (P) + Interest (I)

    = P + P * Daily Interest Rate (IR) * Number of Accrual Days (N)

    = P(1 + IR * N)

Given that IR and N (accrued days) are known, we can determine P, and then I = 100 - P.