在利息理论中，折现因子表示一年后一元的现值，单复利都适用。
现代金融学的许多经典问题，如套利定价原理以及风险中性定价等都可以用随机折现因子模型理解，随机折现因子模型是资产定价模型的统一框架。
Through the stochastic discount factor model, it is easy to understand some classical problems of modern finance, such as arbitrage pricing theory and risk neutral pricing, etc.
上述有关信贷机构的35.59%赠与比例(赠与率)是使用2011年九月三十日的数值为5.91%差异化贴现率(差异化折现因子)来计算。
The grant element of 35.59% on the above credit facility was calculated using a differentiated discount factor of 5.91% value September 30th, 2011.
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