**** 贷款公式

def calculate_monthly_payment(loan_amount, loan_years, annual_rate):
    """
    计算等额本息还款每月还款额
    :param loan_amount: 贷款总额，单位：万元
    :param loan_years: 还款年限，单位：年
    :param annual_rate: 年利率，单位：百分比，例如，5.88 表示 5.88%
    :return: 每月还款额，单位：元
    """
    # 将年利率转换为月利率
    monthly_rate = annual_rate / 12 / 100

    # 将还款年限转换为还款月数
    num_of_payments = loan_years * 12

    # 计算每月还款额
    monthly_payment = loan_amount * monthly_rate * (1 + monthly_rate) ** num_of_payments / ((1 + monthly_rate) ** num_of_payments - 1)

    return monthly_payment * 10000

calculate_monthly_payment(100, 20, 5.88) # 7095.254556255669