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在（1）的基础上进行改进

1：增加一个静态成员函数total，记录账户总金额和静态成员函数getTotal

2对不需要改变的对象进行const修饰

3多文件实现

account。h文件

#ifndef _ACCOUNT_
#define _ACCOUNT_
class SavingAccount {private:int id;double rate;double balance;int lastdate;double accumulation;static double total;void record(int date, double amount);double accumulate(int date)const {return accumulation + balance * (date - lastdate);}
public:SavingAccount(int date, int id, double rate);int getid()const { return id; }double getbalance()const { return balance; }double getrate()const { return rate; }static double getTotal() { return total; }void deposit(int date, double amount);void withdraw(int date, double amount);void settle(int date);void show()const;
};
#endif

account。cpp文件

#include"account.h"
#include<cmath>
#include<iostream>
using namespace std;
double SavingAccount::total = 0;
SavingAccount::SavingAccount(int date, int id, double rate) :id(id), balance(0), rate(rate), lastdate(date)
, accumulation(0) {cout << date << "\t#" << id << "    " << endl;
}
void SavingAccount::record(int date, double amount) {accumulation = accumulate(date);lastdate = date;amount = floor(amount * 100 + 0.5) / 100;balance += amount;total += amount;cout << date << "\t#" << id << "\t" << amount << "\t" << balance << endl;
}
void SavingAccount::deposit(int date, double amount) {record(date, amount);
}
void SavingAccount::withdraw(int date, double amount) {if (amount > getbalance())cout << "余额不足" << endl;elserecord(date, -amount);
}
void SavingAccount::settle(int date) {double interest = accumulate(date) * rate / 365;if (interest != 0)record(date, interest);accumulation = 0;
}
void SavingAccount::show()const {cout << "#" << id << "\tbalance:" << balance;
}

1.cpp

#include"account.h"
#include<iostream>
using namespace std;
int main() {SavingAccount s1(1, 21325302, 0.0015);SavingAccount s2(1, 21325303, 0.0015);s1.deposit(5, 5000);s2.deposit(25, 10000);s1.deposit(45, 5500);s2.withdraw(60, 4000);s1.settle(90);s2.settle(90);s1.show();s2.show();}