公司债券与股票不同,它是按固定利息率借给公司的贷款。
Debentures, unlike shares, are loans to a company with a fixed rate of interest.
你发现定期存款可以得到3%的固定利息,不损失本金——你觉得不错。
You've found a certificate of deposit that pays a fixed 3% interest, with no loss of principal - not bad, you think.
例如,当利息走势不好的时候,拥有大量固定利息证券和衍生产品的银行很可能会受到重挫。
A bank with a very large portfolio of fixed-interest securities and derivatives, for example, would lose a bundle if interest rates went the wrong way.
Whereas, at the beginning, the mortgage balance is dropping only very slowly because you've got a lot of interest to pay and your mortgage payment is constant.
而在贷款初期,贷款余款减少的则非常缓慢,这是因为还款额是固定的,同时你还要偿付大量的利息
Your mortgage payment is constant through time but the fraction of it that goes to paying off principal versus interest changes through time and it just changes as dictated by this formula.
抵押贷款每月还款是固定的,但是其中本金和利息的比例关系,会随时间而改变,这是由这个公式所决定的
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