在numpy.rate中遇到溢出

import numpy as np

# 假设我们要计算一笔本金为1000000，年利率为10%，期限为30年的复利增长率
principal = 1000000
rate = 0.10
nper = 30
pmt = 0  # 每期支付额，这里假设为0
fv = -1000000  # 未来值，负数表示支出

try:
    # 尝试直接计算复利增长率
    growth_rate = np.rate(nper, pmt, -principal, fv, when='end')
    print(f"复利增长率: {growth_rate:.2%}")
except OverflowError:
    print("计算溢出，尝试使用更高精度的方法...")
    
    # 使用decimal模块进行高精度计算
    from decimal import Decimal, getcontext
    getcontext().prec = 50  # 设置精度
    
    principal_dec = Decimal(principal)
    rate_dec = Decimal(rate)
    nper_dec = Decimal(nper)
    fv_dec = Decimal(fv)
    
    # 分段计算复利增长率
    total_growth = fv_dec / principal_dec
    for _ in range(int(nper_dec)):
        total_growth = (total_growth + 1) ** (Decimal('1') / nper_dec) - 1
    
    print(f"分段计算的复利增长率: {total_growth:.2%}")