例句與用法

1. this system fixes on the floor and upper limits and benchmark interest rate . its particular pricing procedure includes two major processes : ( 1 ) to confirm the initial interest rate by adjust the benchmark interest rate which take some elements such as the personal credit risk grade, loan category, loan term, the interrelationship between banks and borrowers, etc . as the basis; ( 2 ) to adjust the subsequently annual mortgage loan interest rate by using m-t-m model to confirm the alteration of value of the mortgage loan which related with the prepayment risk and term structure of interest rate in national debt market
   該住房貸款定價(jià)體系先確定住房貸款定價(jià)的上下限及基準(zhǔn)利率,其具體定價(jià)決定過(guò)程包含2個(gè)部分:(1)根據(jù)借款人的信用風(fēng)險(xiǎn)程度、貸款種類、貸款期限、借款人和銀行關(guān)系等因素對(duì)貸款基準(zhǔn)利率進(jìn)行相應(yīng)調(diào)整的初期利率;(2)應(yīng)用m-t-m模型,根據(jù)考慮了住房貸款提前清償風(fēng)險(xiǎn)、國(guó)債市場(chǎng)利率期限結(jié)構(gòu)的住房貸款價(jià)值的變動(dòng)情況對(duì)貸款初期利率進(jìn)行年度的定價(jià)調(diào)整。