半年有效利率=(1+6%/2)^2-1=6.09%
季度有效利率=(1+6%/4)^4-1=6.1364%
月度有效利率=(1+6%/12)^12-1=6.1678%
每日复利有效利率=(1+6%/365)^365-1=6.1831%