在2000年发表的一篇学术论文里，李建议了这个可应用于信用风险的定理，涵盖了从债券到房屋抵押贷款的一切。

In a scholarly paper published in 2000, li proposed the theorem be applied to credit risks, encompassing everything from bonds to mortgages.

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随着债券利率和按揭利率双双下跌，购买房屋和再融资的抵押贷款申请数量出现增长。

As bond yields and mortgage rates have dropped, mortgage applications both to refinance and to buy homes have risen.

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对通胀的担忧也拉高了日本长期债券的收益率﹐后者影响著公司贷款和房屋抵押贷款的利率。

Inflation worries also are lifting Japan's long-term bond yields, which influence rates for corporate loans and home mortgages.

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