Both loans carry have an initial annual interestrate of 5.31%.
两笔贷款初期年利率均为5.31%。
2
Only a bank officer (that is, a parent) can change the interestrate, set up a new account (and the initial balance), or close an account.
只有银行主管人（即家长）能够更改利率，设立新帐户（和初始余额）或者关闭帐户。
3
Calculation case shows that in the given initial value and restraints, convexity gap model can lessen the exposure position of interestrate risk and increase yields.