1. 10*12%*(P/A, 11.8%, 3)+10*(P/F, 11.8%, 3)=10.05万元2. 10000*(P/F, 10%, 1)+14000*(P/F, 10%, 2)+20000*(P/F, 10%, 3)+30000*(P/F, 10%, 4)=56177.863. 10+2+1.5+8000*1.2/10000=14.46万元