This paper presents a concept model for solving bond mathematics problems; it is the manner in which our knowledge concerning bond mathematics is organized into a cognitive architecture. We build a concept model for bond mathematics to achieve good organization and to integrate the knowledge for bond mathematics. The ultimate goal is to enable many students to understand the solution process without difficulty. Our concept model comprises entity-relationship diagrams, and using our concept models, students can integrate financial theories and mathematical formulas. This paper illustrates concept models for bond mathematics by showing concrete examples of word mathematics problems. It also describes our principles in developing the concept model and the descriptive power of our model.