| 1. | Constant failure rate period
恒定失效率期 |
| 2. | Constant rate period
恒速干燥阶段 |
| 3. | The hkmc s fixed adjustable rate mortgage " farm " programme currently offers three fixed - rate periods to the borrowers , namely , 1 - year , 2 - year and 3 - year
按揭证券公司的定息按揭计划定息按揭计划现时向贷款人提供三个定息期，即一年期两年期及三年期。 |
| 4. | The arrangement will enable homebuyers to lock in a low mortgage rate for up to three years and insulate themselves from adverse interest rate movements during the fixed rate period
是项计划可让置业人士把按揭利率锁定于低水平，于最长3年定息期内免受利率波动的影响。如置业人士于 |
| 5. | Depending on market conditions and the demand of homebuyers , the hkmc intends to introduce , on an incremental basis , new farm products with an initial fixed rate period beyond 3 years in 2002
视乎市况及置业人士的需求，按揭证券公司计划于二零零二年逐步推出定息期超过三年的新定息按揭产品。 |
| 6. | At the end of the fixed - rate period , the borrower can choose either to refix the mortgage rate for another fixed term at the then prevailing farm rates or to convert the loan to a floating rate mortgage
于定息期满后，贷款人可选择以当时的定息按揭计划提供的息率重新厘定另一期的定息按揭息率，或将贷款转为浮息按揭。 |
| 7. | Another attractiveness of the special fixed - rate scheme is that the prepayment penalty period is capped at three years for fixed - rate periods exceeding 3 years and up to 10 years . the other key product features of the special scheme are summarised in
这新计划之另一吸引之处为特别优惠的提早还款手续费， 3年至10年的定息按揭贷款，提早还款手续费只限首3年。 |
| 8. | Thus in terms of the structure of interest rate periods in micro financial market , a macro analysis of the long - term economic fluctuation in our country slams that the relative variables following the transition from rise to fall of economic operation periods distribute respectively in rate of inflation > nominal interest rate > actual interest rate and rate of inflation > nominal interest rate > actual interest rate , the reason of which lies in the adjustment of nominal interest rate falling behind the wave of inflation rate both in time and in scale
将微观金融市场的利率期限结构方法引入中国长期经济波动和宏观分析，会发现经济周期上行和向下转折之后相关变量间分别存在通货膨胀率名义利率实际利率和通货膨胀率名义利率实际利率，其原因在于名义利率调节无论在时间和幅度上都落后于通货膨胀率变动。 |
| 9. | Although our country is now placed in the controlled interest rate period , the interest - rate risk is still ineluctable , which is mainly caused by internal and external facts , and the system fact plays an important role in the interest - rate risk , and thus our country ' s commercial banks suffer from the clean interest income and the loss of value market for this . meanwhile further and quickly marketed interest rate steps have a great impact on the commercial banks " external operating environment and internal management , which also puts forward the need of our commercial banks " interest - rate risk management
当前我国虽还处在管制利率时期，但利率风险仍然是不可避免的，主要来自于内外部两种因素，其中外部的体制性因素起到了关键性的作用，我国的商业银行并为此遭受了净利息收益和市场价值的损失；同时，我国利率市场化步伐的进一步加快，影响了商业银行的外部运营环境和内部经营管理，对我国商业银行的利率风险管理也提出了迫切的要求。 |
